ZIP 42154 Foreclosure, Tax-Lien & Distress Report

ZIP code 42154 in Metcalfe County, Kentucky carries a composite property-distress score of 19/100 — a low reading on DLRadar's deterministic public-record index. Environmental exposure also runs high (FEMA disaster exposure (84/100)). The most distinctive pressure shows up in construction/permit lag (63/100), institutional ownership (46/100), structural risk (40/100). mortgage stress (19/100) stay muted. On the structural side it scores 40/100, with 6/100 of stress already active.

Prices here sit in a peak phase: values rose 4.4% over the trailing year, at 22/100 phase confidence. Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

704 residents call 42154 home, typically aged 37. Vacancy runs 16.5%, above the national norm and a classic distress-and-opportunity signal. There are about 341 housing units across 42154. On demographic stress specifically, 42154 scores 23/100. Owners hold 91% of homes, renters 9%. Rent burden reaches 0% of tenant households. Home values center near $155,600, an affordability ratio of 1.8× — accessible. Roughly 26.6% live below the poverty line, elevated and often tied to deferred-maintenance inventory. At $48,778, median income runs below typical U.S. levels. Around 16% of adults hold a bachelor's degree or higher.

On the whole, 42154 leans distressed, with opportunity clustered in specific stressed parcels. No parcel file is published for 42154 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

Whether 42154 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 42154 can be compared directly against any other ZIP in Metcalfe County, Kentucky or nationwide. Every figure is auditable to a public dataset and refreshed on ingest; 42154 shows blanks, not estimates, wherever the record is sparse.

The 19/100 figure for 42154 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. The point of the 42154 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.