ZIP 40965 Foreclosure, Tax-Lien & Distress Report

Composite property distress in 40965 (Bell County, Kentucky) lands at 26/100 — low on DLRadar's public-record scoring. Latent structural risk is 58/100 while live distress already moving reads 7/100. Climate and flood risk are elevated too — FEMA disaster exposure (82/100), flood (NFIP) exposure (62/100), climate & FEMA risk (60/100). The pressure is most legible in institutional ownership (58/100), structural risk (58/100), construction/permit lag (42/100). On the quiet end sit mortgage stress (24/100).

Prices here sit in a peak phase: values rose 4.2% over the trailing year, and 42% higher over three years (phase confidence 23/100). Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

The vacancy rate is 17.8% — elevated. Home values center near $95,200, an affordability ratio of 2.7× — accessible. The ZIP holds roughly 6,052 housing units. 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. The tenure split is 57% owner-occupied to 43% rented. Rent burden reaches 52% of tenant households. 29.7% of residents fall below the poverty threshold. About 15% have a four-year degree.

Taken together, 40965 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.

Whether 40965 runs hot or quiet, its 26/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 40965 can be compared directly against any other ZIP in Bell County, Kentucky or nationwide. The score is rebuilt from public data as it updates, so 40965 reflects the current record instead of a stale or modeled snapshot.

Behind 40965's composite sit distinct signals (foreclosure, mortgage, tax-lien, lender and structural), each scored on its own before rolling up, so two ZIPs with the same total can describe very different situations on the ground. The point of the 40965 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.