ZIP 42104 Property Distress & Foreclosure Data

ZIP code 42104 in Warren County, Kentucky carries a composite property-distress score of 32/100 — a moderate reading on DLRadar's deterministic public-record index. It additionally carries heavy environmental risk: flood (NFIP) exposure (90/100), climate & FEMA risk (83/100), FEMA disaster exposure (83/100). The latent-versus-live split is 70/100 structural and 7/100 already moving. What sets it apart are the readings on structural risk (70/100), institutional ownership (65/100), construction/permit lag (43/100). By contrast, mortgage stress (24/100) register low.

The market reads expansion — home values rose 5.3% year on year, and 15% higher over three years (phase confidence 32/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.

A median home runs $306,400 here, or 3.8 times local income. Roughly 11.2% live below the poverty line. The ZIP holds roughly 17,842 housing units. Around 34% of renters are cost-burdened. The vacancy rate is 4.8%. About 42% have a four-year degree. About 41,273 people live here, median age 37. On demographic stress specifically, 42104 scores 29/100. Households earn a median $73,975 — near the roughly $78,000 national figure. The tenure split is 62% owner-occupied to 38% rented.

Net-net, 42104 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.