ZIP 40914 Foreclosure, Tax-Lien & Distress Report
Clay County, Kentucky · High Vacancy market
On DLRadar's 0-100 distress scale, ZIP 40914 in Clay County, Kentucky comes in at 22, a low composite-distress reading. Climate and flood risk are elevated too — FEMA disaster exposure (92/100), flood (NFIP) exposure (69/100). The most distinctive pressure shows up in institutional ownership (64/100), structural risk (48/100), mortgage stress (26/100). By contrast, mortgage stress (26/100) register low. Structural exposure scores 48 and live distress 8 on the 0–100 scale.
The market reads neutral — home values rose 4.7% year on year, at 25/100 phase confidence. Appreciation rarely lifts every parcel — the laggards are the opportunity.
955 residents call 40914 home, typically aged 35. A median home runs $47,200 here, or 1.6 times local income. The tenure split is 68% owner-occupied to 32% rented. The vacancy rate is 24.2% — elevated. The ZIP holds roughly 412 housing units. Roughly 22.7% live below the poverty line, elevated and often tied to deferred-maintenance inventory. Around 5% of adults hold a bachelor's degree or higher. At $28,990, median income runs below typical U.S. levels. The demographic-stress sub-score lands at 31/100. Rent burden reaches 39% of tenant households.
Taken together, 40914 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.
The 40914 read uses the identical scoring model applied coast to coast, which means its 22/100 score means exactly what it means anywhere else, and 40914 stays directly comparable to neighboring ZIPs and the rest of Clay County, Kentucky. Sparse data for 40914 shows as blanks, never estimates, and the score updates on every fresh public filing.
The 22/100 for 40914 sums independent layers - foreclosure, mortgage, tax-lien, lender headwind and structural risk - so the mix behind the number matters as much as the number. In workflow terms, 40914 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.
Signal-by-signal read on 40914
Tax delinquency, institutional ownership, insurance pressure, NFIP/flood, construction lag, price dislocation and auction velocity — plus the 0 individual distressed properties carry owner, address, APN, a parcel-level score and an exit read in the full DLRadar file.
The 40914 distress snapshot
The live 40914 panel — distress score, market phase, housing and bank pressure — as attached to every individual property.
Clay County ZIPs near 40914
Nearest ZIP codes to 40914
By straight-line distance between ZIP centers — the surrounding market, whichever county or state line it crosses.
Explore related distress reports
More ZIP, county and state distress intelligence connected to Clay County, Kentucky.
See every distressed parcel in 40914
The full 40914 file lists each distressed parcel with owner, address, APN, per-property score, bank exposure and exit-velocity read, and carries it straight through to owner and lender records. Refreshed continuously.
Deterministic. Every signal traces to a public dataset · methodology