ZIP 42120 Foreclosure, Tax-Lien & Distress Report

On DLRadar's 0-100 distress scale, ZIP 42120 in Allen County, Kentucky comes in at 19, a low composite-distress reading. Property-level stress concentrates in institutional ownership (63/100), structural risk (42/100), mortgage stress (25/100). On the quiet end sit mortgage stress (25/100). On the structural side it scores 42/100, with 7/100 of stress already active. It additionally carries heavy environmental risk: FEMA disaster exposure (88/100), flood (NFIP) exposure (70/100).

The peak-phase market in 42120 posted values that rose 2.1% over the year (phase confidence 18/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

Median household income is $73,242, near the U.S. median near $78,000. Around 70% of renters are cost-burdened. The demographic-stress sub-score lands at 32/100. Owners hold 95% of homes, renters 5%. Home values center near $178,500, an affordability ratio of 2.3× — accessible. Population is roughly 2,595 with a median age of 38. 11.4% of residents fall below the poverty threshold. Vacancy runs 22.2%, above the national norm and a classic distress-and-opportunity signal. About 23% have a four-year degree. There are about 1,111 housing units across 42120.

Taken together, 42120 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. While 42120 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

Whether 42120 runs hot or quiet, its 19/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 42120 can be compared directly against any other ZIP in Allen County, Kentucky or nationwide. 42120 carries no interpolated values - each figure ties to a public source and refreshes the moment new records land.

The 19/100 figure for 42120 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. Treat 42120 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.