ZIP 40964 Foreclosure, Tax-Lien & Distress Report

ZIP code 40964 in Harlan County, Kentucky carries a composite property-distress score of 23/100 — a low reading on DLRadar's deterministic public-record index. Property-level stress concentrates in institutional ownership (63/100), structural risk (50/100). Environmental exposure also runs high (FEMA disaster exposure (89/100), flood (NFIP) exposure (69/100), climate & FEMA risk (61/100)). The split runs 50/100 structural to 0/100 active on the ground.

The market reads expansion — home values rose 5.3% year on year, at 33/100 phase confidence. Appreciation rarely lifts every parcel — the laggards are the opportunity.

Rent burden reaches 100% of tenant households. About 104 people live here, median age 61. The poverty rate is 17.3% — high, a tax-stress and distress correlate. About 0% have a four-year degree. 56% of housing is owner-occupied. Vacancy runs 31.3%, above the national norm and a classic distress-and-opportunity signal. On demographic stress specifically, 40964 scores 51/100. The ZIP holds roughly 89 housing units.

On the whole, 40964 leans distressed, with opportunity clustered in specific stressed parcels. There is no property file for 40964 at the moment; the composite and its components are still built from verifiable public records.

The 40964 read uses the identical public-record model applied coast to coast, which means its 23/100 score means exactly what it means anywhere else, and 40964 stays directly comparable to neighboring ZIPs and the rest of Harlan County, Kentucky. The score is rebuilt from public data as it updates, so 40964 reflects the current record instead of a stale or modeled snapshot.

40964'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 40964 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.