ZIP 42104 Foreclosure, Tax-Lien & Distress Report

Scored purely from public records, 42104 (Warren County, Kentucky) returns a low composite of 29/100. It additionally carries heavy environmental risk: flood (NFIP) exposure (90/100), climate & FEMA risk (83/100), FEMA disaster exposure (78/100). The latent-versus-live split is 65/100 structural and 7/100 already moving. Its heaviest discrete signals: structural risk (65/100), institutional ownership (62/100), mortgage stress (24/100). On the quiet end sit mortgage stress (24/100) and construction/permit lag (24/100).

The peak-phase market in 42104 posted values that rose 2.3% over the year, and 15% higher over three years (phase confidence 19/100). Topping markets hide individual distress behind strong averages.

Home values center near $306,400, an affordability ratio of 3.8× — accessible. 11.2% of residents fall below the poverty threshold. There are about 17,842 housing units across 42104. Around 34% of renters are cost-burdened. The vacancy rate is 4.8%. Around 42% of adults hold a bachelor's degree or higher. About 41,273 people live here, median age 37. On demographic stress specifically, 42104 scores 29/100. At $73,975, median income runs near typical U.S. levels. 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. Parcel-level detail for 42104 is not published yet -- the ZIP-level readings above remain fully sourced to public records.

Because one deterministic model scores every ZIP, 42104's 29/100 can be lined up against any neighbor in Warren County, Kentucky or any ZIP coast to coast. The score is rebuilt from public data as it updates, so 42104 reflects the current record instead of a stale or modeled snapshot.

42104's headline rolls up several separately-scored signals, which is why two ZIPs can share a composite yet face very different distress. Treat 42104 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.