ZIP 42321 Foreclosure, Tax-Lien & Distress Report

Muhlenberg County, Kentucky's ZIP 42321 registers 22/100 composite distress, which DLRadar reads as low. The latent-versus-live split is 49/100 structural and 7/100 already moving. Leading the profile are institutional ownership (55/100), structural risk (49/100), construction/permit lag (25/100). By contrast, construction/permit lag (25/100) and mortgage stress (22/100) register low. Environmental exposure also runs high (FEMA disaster exposure (78/100)).

The expansion-phase market in 42321 posted values that rose 5.3% over the year (phase confidence 33/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.

Population is roughly 578 with a median age of 35. The ZIP holds roughly 212 housing units. The tenure split is 89% owner-occupied to 11% rented. About 5% have a four-year degree. The vacancy rate is 7.2%. The demographic-stress sub-score lands at 36/100. The poverty rate is 17.6% — high, a tax-stress and distress correlate. Rent burden reaches 100% of tenant households. The typical home is worth about $79,800 (1.7× income, relatively affordable). Median household income is $50,926, below the U.S. median near $78,000.

Net-net, 42321 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. Parcel-level detail for 42321 is not published yet -- the ZIP-level readings above remain fully sourced to public records.

No ZIP is too small to score: 42321 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 22/100 composite is a like-for-like number rather than an isolated estimate. Every figure is auditable to a public dataset and refreshed on ingest; 42321 shows blanks, not estimates, wherever the record is sparse.

The 22/100 figure for 42321 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 42321 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.