ZIP 40939 Foreclosure, Tax-Lien & Distress Report

ZIP code 40939 in Bell County, Kentucky carries a composite property-distress score of 27/100 — a low reading on DLRadar's deterministic public-record index. What sets it apart are the readings on institutional ownership (62/100), structural risk (61/100), construction/permit lag (40/100). The latent-versus-live split is 61/100 structural and 0/100 already moving. Climate and flood risk are elevated too — FEMA disaster exposure (84/100), flood (NFIP) exposure (73/100), climate & FEMA risk (63/100).

The market reads peak — home values rose 4.4% year on year, at 22/100 phase confidence. Topping markets hide individual distress behind strong averages.

Population is roughly 189 with a median age of 39. The tenure split is 100% owner-occupied to 0% rented. Around 42% of adults hold a bachelor's degree or higher. Vacancy runs 22.7%, above the national norm and a classic distress-and-opportunity signal. The ZIP holds roughly 59 housing units. On demographic stress specifically, 40939 scores 39/100. Roughly 63.0% live below the poverty line, elevated and often tied to deferred-maintenance inventory.

Taken together, 40939 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. While 40939 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

Big metro or rural, 40939 runs through one identical public-record model, so its 27/100 sits on the same scale as every other ZIP in Bell County, Kentucky and the nation. Where the public record is thin for 40939, the field stays empty rather than modeled, and fills in as new documents post.

Each component behind 40939 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 27/100 roll-up. Treat 40939 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.