ZIP 42049 Foreclosure, Tax-Lien & Distress Report

ZIP code 42049 in Calloway County, Kentucky carries a composite property-distress score of 24/100 — a low reading on DLRadar's deterministic public-record index. Its standout signals are institutional ownership (55/100), structural risk (52/100), mortgage stress (24/100). mortgage stress (24/100) and construction/permit lag (5/100) stay muted. Latent structural risk is 52/100 while live distress already moving reads 7/100. Environmental exposure also runs high (flood (NFIP) exposure (74/100), climate & FEMA risk (73/100), FEMA disaster exposure (71/100)).

The market reads peak — home values rose 4.4% year on year, and 14% higher over three years (phase confidence 22/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

Around 59% of renters are cost-burdened. There are about 656 housing units across 42049. Around 23% of adults hold a bachelor's degree or higher. Population is roughly 1,386 with a median age of 40. Vacancy runs 24.9%, above the national norm and a classic distress-and-opportunity signal. The typical home is worth about $189,900 (3.3× income, relatively affordable). Median household income is $48,482, below the U.S. median near $78,000. On demographic stress specifically, 42049 scores 38/100. 29.3% of residents fall below the poverty threshold. Owners hold 70% of homes, renters 30%.

Taken together, 42049 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. No parcel file is published for 42049 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

Big metro or rural, 42049 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. Every figure is auditable to a public dataset and refreshed on ingest; 42049 shows blanks, not estimates, wherever the record is sparse.

42049's score blends several independent layers — foreclosure and mortgage stress, tax and lien delinquency, bank headwind and structural exposure — into one 0–100 number, so understanding the components matters as much as the headline for anyone screening the ZIP. The point of the 42049 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.