ZIP 40962 Foreclosure, Tax-Lien & Distress Report
Clay County, Kentucky · High Vacancy market
Composite property distress in 40962 (Clay County, Kentucky) lands at 34/100 — moderate on DLRadar's distress scoring. Leading the profile are construction/permit lag (100/100), structural risk (76/100), institutional ownership (66/100). By contrast, mortgage stress (27/100) register low. It additionally carries heavy environmental risk: FEMA disaster exposure (94/100), flood (NFIP) exposure (71/100), climate & FEMA risk (60/100). The latent-versus-live split is 76/100 structural and 8/100 already moving.
The peak-phase market in 40962 posted values that rose 4.4% over the year (phase confidence 22/100). Topping markets hide individual distress behind strong averages.
At $39,694, median income runs below typical U.S. levels. 17,390 residents call 40962 home, typically aged 41. DLRadar's demographic-stress index for the area reads 34/100. Rent burden reaches 51% of tenant households. The poverty rate is 33.6% — high, a tax-stress and distress correlate. Around 17% of adults hold a bachelor's degree or higher. Home values center near $103,000, an affordability ratio of 2.4× — accessible. The vacancy rate is 15.4% — elevated. The tenure split is 78% owner-occupied to 22% rented. The ZIP holds roughly 7,377 housing units.
On the whole, 40962 leans distressed, with opportunity clustered in specific stressed parcels. Parcel-level detail for 40962 is not published yet -- the ZIP-level readings above remain fully sourced.
The number is not local guesswork: 40962's 34/100 comes from the same nationwide foreclosure, tax, mortgage and lender model, making it directly comparable anywhere. 40962 carries no interpolated values - each figure ties to a public source and refreshes the moment new records land.
Each component behind 40962 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 34/100 roll-up. In workflow terms, 40962 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.
Distress signal breakdown — ZIP 40962
Tax delinquency, institutional ownership, insurance pressure, NFIP/flood, construction lag, price dislocation and auction velocity — plus the 0 individual distressed properties are broken out by owner, address, APN, per-property score and exit read inside DLRadar.
The 40962 distress snapshot
The live 40962 panel — distress score, market phase, housing and bank pressure — as attached to every individual property.
Neighbouring ZIPs in Clay County
Nearest ZIP codes to 40962
By straight-line distance between ZIP centers — the surrounding market, whichever county or state line it crosses.
Explore related distress reports
Additional distress intelligence spanning Clay County, Kentucky by ZIP, county and state.
See every distressed parcel in 40962
The full 40962 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.
Built from public records, scored the same way everywhere · methodology