ZIP 40965 Property Distress & Foreclosure Data

Composite property distress in 40965 (Bell County, Kentucky) lands at 29/100 — low on DLRadar's public-record scoring. Structural exposure scores 64 and live distress 7 on the 0–100 scale. Environmental exposure also runs high (FEMA disaster exposure (86/100), flood (NFIP) exposure (62/100), climate & FEMA risk (60/100)). The sharpest non-environmental signals are structural risk (64/100), construction/permit lag (63/100), institutional ownership (60/100). On the quiet end sit mortgage stress (24/100).

The peak-phase market in 40965 posted values that rose 4.6% over the year, and 42% higher over three years, at 32/100 phase confidence. Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

Vacancy runs 17.8%, above the national norm and a classic distress-and-opportunity signal. The typical home is worth about $95,200 (2.7× income, relatively affordable). There are about 6,052 housing units across 40965. The demographic-stress sub-score lands at 37/100. Population is roughly 11,698 with a median age of 41. At $30,980, median income runs below typical U.S. levels. 57% of housing is owner-occupied. Rent burden reaches 52% of tenant households. The poverty rate is 29.7% — high, a tax-stress and distress correlate. Around 15% of adults hold a bachelor's degree or higher.

On the whole, 40965 leans distressed, with opportunity clustered in specific stressed parcels. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.