ZIP 40972 Property Distress & Foreclosure Data

In Clay County, Kentucky, ZIP 40972 scores 24 of 100 for composite distress, a low level on DLRadar's public-record index. Climate and flood risk are elevated too — FEMA disaster exposure (94/100), flood (NFIP) exposure (73/100). Its standout signals are institutional ownership (67/100), structural risk (51/100), mortgage stress (27/100). mortgage stress (27/100) stay muted. Structural exposure scores 51 and live distress 8 on the 0–100 scale.

Prices here sit in a peak phase: values rose 4.5% over the trailing year, at 33/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

1,443 residents call 40972 home, typically aged 41. Owners hold 80% of homes, renters 20%. Home values center near $50,500, an affordability ratio of 0.9× — accessible. DLRadar's demographic-stress index for the area reads 35/100. Rent burden reaches 100% of tenant households. Vacancy runs 23.4%, above the national norm and a classic distress-and-opportunity signal. There are about 640 housing units across 40972. Median household income is $55,842, below the U.S. median near $78,000. 19.8% of residents fall below the poverty threshold. Educational attainment sits at 20% bachelor's-or-above.

Taken together, 40972 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.