ZIP 40870 Foreclosure, Tax-Lien & Distress Report

Scored purely from public records, 40870 (Harlan County, Kentucky) returns a low composite of 23/100. What sets it apart are the readings on institutional ownership (63/100), structural risk (50/100), mortgage stress (26/100). On the quiet end sit mortgage stress (26/100). The split runs 50/100 structural to 8/100 active on the ground. Environmental exposure also runs high (FEMA disaster exposure (89/100), flood (NFIP) exposure (69/100), climate & FEMA risk (61/100)).

The market reads expansion — home values rose 5.3% year on year, at 33/100 phase confidence. Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.

Roughly 3.4% live below the poverty line, a low share typical of higher-equity areas. Vacancy runs 11.6%, above the national norm and a classic distress-and-opportunity signal. At $46,961, median income runs below typical U.S. levels. Around 8% of adults hold a bachelor's degree or higher. The ZIP holds roughly 239 housing units. The demographic-stress sub-score lands at 29/100. Around 52% of renters are cost-burdened. The typical home is worth about $132,000 (2.7× income, relatively affordable). The tenure split is 88% owner-occupied to 12% rented. Population is roughly 635 with a median age of 52.

Overall, 40870 shows a mixed profile — neither uniformly stressed nor insulated — so opportunity is property-specific. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.

No ZIP is too small to score: 40870 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 23/100 composite is a like-for-like number rather than an isolated estimate. Sparse data for 40870 shows as blanks, never estimates, and the score updates on every fresh public filing.

40870's headline rolls up several separately-scored signals, which is why two ZIPs can share a composite yet face very different distress. The point of the 40870 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.