ZIP 42038 Foreclosure, Tax-Lien & Distress Report

In Lyon County, Kentucky, ZIP 42038 scores 17 of 100 for composite distress, a low level on DLRadar's public-record index. The pressure is most legible in construction/permit lag (52/100), institutional ownership (43/100), structural risk (37/100). structural risk (37/100) and mortgage stress (22/100) stay muted. Climate and flood risk are elevated too — FEMA disaster exposure (78/100). The split runs 37/100 structural to 6/100 active on the ground.

Prices here sit in a expansion phase: values rose 5.3% over the trailing year, and 27% higher over three years (phase confidence 33/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.

A median home runs $198,400 here, or 3.0 times local income. About 15% have a four-year degree. At $64,254, median income runs below typical U.S. levels. Around 32% of renters are cost-burdened. There are about 3,111 housing units across 42038. About 6,045 people live here, median age 43. The poverty rate is 11.7%. 77% of housing is owner-occupied. On demographic stress specifically, 42038 scores 31/100. The vacancy rate is 31.3% — elevated.

Taken together, 42038 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. No parcel file is published for 42038 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

Because one deterministic model scores every ZIP, 42038's 17/100 can be lined up against any neighbor in Lyon County, Kentucky or any ZIP coast to coast. Nothing here is interpolated — where a source is thin for 42038, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

The 17/100 figure for 42038 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 a buyer, 42038 is one row in a larger workflow: confirm the score, pull the distressed parcels behind it, then move from signal to funded, closed acquisition through DLRadar.