ZIP 40977 Foreclosure, Tax-Lien & Distress Report

Composite property distress in 40977 (Bell County, Kentucky) lands at 27/100 — low on DLRadar's public-record scoring. Climate and flood risk are elevated too — FEMA disaster exposure (84/100), flood (NFIP) exposure (73/100), climate & FEMA risk (63/100). Structural exposure scores 61 and live distress 8 on the 0–100 scale. Leading the profile are institutional ownership (62/100), structural risk (61/100), construction/permit lag (40/100). On the quiet end sit mortgage stress (25/100).

Prices here sit in a peak phase: values rose 4.4% over the trailing year, at 22/100 phase confidence. Topping markets hide individual distress behind strong averages.

64% of housing is owner-occupied. Rent burden reaches 34% of tenant households. The vacancy rate is 19.1% — elevated. The ZIP holds roughly 3,918 housing units. At $35,822, median income runs below typical U.S. levels. The demographic-stress sub-score lands at 31/100. 23.8% of residents fall below the poverty threshold. The typical home is worth about $85,600 (2.3× income, relatively affordable). Educational attainment sits at 17% bachelor's-or-above. Population is roughly 8,218 with a median age of 40.

Taken together, 40977 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. 40977 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.

No ZIP is too small to score: 40977 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 27/100 composite is a like-for-like number rather than an isolated estimate. Sparse data for 40977 shows as blanks, never estimates, and the score updates on every fresh public filing.

The 27/100 figure for 40977 is a composite, not one metric: it rolls up foreclosure and pre-foreclosure activity, mortgage stress, tax delinquency and liens, local lender headwind, and structural risk into a single reading, which is why a ZIP can look calm on price yet score high on distress. Practically, 40977 works as a screen — verify the reading, drill to the specific parcels driving it, and carry the deal through capital and closing on the platform.