ZIP 40972 Foreclosure, Tax-Lien & Distress Report
Clay County, Kentucky · High Vacancy market
DLRadar grades ZIP 40972 (Clay County, Kentucky) at a low 24/100 for overall property distress. It additionally carries heavy environmental risk: FEMA disaster exposure (93/100), flood (NFIP) exposure (73/100). What sets it apart are the readings on institutional ownership (66/100), structural risk (51/100), mortgage stress (27/100). By contrast, mortgage stress (27/100) register low. Structurally it carries 51/100, against 8/100 of stress already in motion.
Prices here sit in a peak phase: values rose 4.4% over the trailing year, at 22/100 phase confidence. Near a top, distress surfaces unevenly, so parcel screening beats headline strength.
About 1,443 people live here, median age 41. 80% of housing is owner-occupied. A median home runs $50,500 here, or 0.9 times local income. 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. At $55,842, median income runs below typical U.S. levels. Roughly 19.8% live below the poverty line, elevated and often tied to deferred-maintenance inventory. Educational attainment sits at 20% bachelor's-or-above.
On the whole, 40972 leans distressed, with opportunity clustered in specific stressed parcels. There is no property file for 40972 at the moment; the composite and its components are still built from verifiable public records.
Big metro or rural, 40972 runs through one identical public-record model, so its 24/100 sits on the same scale as every other ZIP in Clay County, Kentucky and the nation. Sparse data for 40972 shows as blanks, never estimates, and the score updates on every fresh public filing.
The 24/100 for 40972 sums independent layers - foreclosure, mortgage, tax-lien, lender headwind and structural risk - so the mix behind the number matters as much as the number. Treat 40972 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.
What is driving ZIP 40972’s distress
Delinquent tax, institutional holdings, insurance strain, flood/NFIP exposure, build-out lag, price dislocation and auction pace — along with the 0 individual distressed properties carry owner, address, APN, a parcel-level score and an exit read in the full DLRadar file.
40972 at a glance
The live 40972 panel — distress score, market phase, housing and bank pressure — as attached to every individual property.
Adjacent Clay County ZIP reports
Keep exploring Kentucky distress
Keep going: ZIP, county and state distress coverage for Clay County, Kentucky.
Get the full acquisition report for 40972
See who owns each distressed property in 40972, where it is, its APN and score, the bank behind it and how fast it should exit — then fund and close it in one click. Continuously refreshed, nationwide.
Rules-based scoring — each signal ties to a public dataset · methodology