ZIP 42036 Foreclosure, Tax-Lien & Distress Report

Scored purely from public records, 42036 (Calloway County, Kentucky) returns a low composite of 24/100. What sets it apart are the readings on institutional ownership (55/100), structural risk (53/100), mortgage stress (24/100). On the quiet end sit mortgage stress (24/100) and construction/permit lag (6/100). Environmental exposure also runs high (flood (NFIP) exposure (74/100), climate & FEMA risk (73/100), FEMA disaster exposure (71/100)). On the structural side it scores 53/100, with 7/100 of stress already active.

Prices here sit in a peak phase: values rose 4.4% over the trailing year, and 2% higher over three years (phase confidence 22/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

Median household income is $95,482, above the U.S. median near $78,000. Vacancy runs 3.7%. Owners hold 90% of homes, renters 10%. About 10% have a four-year degree. 6.2% of residents fall below the poverty threshold. 1,289 residents call 42036 home, typically aged 49. The ZIP holds roughly 608 housing units. On demographic stress specifically, 42036 scores 31/100. Around 100% of renters are cost-burdened. The typical home is worth about $119,500 (1.3× income, relatively affordable).

Overall 42036 looks resilient on the surface, so the edge is isolating individual stressed parcels. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.

Big metro or rural, 42036 runs through one identical public-record model, so its 24/100 sits on the same scale as every other ZIP in Calloway County, Kentucky and the nation. 42036 carries no interpolated values - each figure ties to a public source and refreshes the moment new records land.

The 24/100 figure for 42036 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. For an operator, 42036 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.