ZIP 42445 Foreclosure, Tax-Lien & Distress Report

ZIP code 42445 in Caldwell County, Kentucky carries a composite property-distress score of 27/100 — a low reading on DLRadar's deterministic public-record index. Climate and flood risk are elevated too — FEMA disaster exposure (83/100), flood (NFIP) exposure (65/100). On the structural side it scores 61/100, with 8/100 of stress already active. Its heaviest discrete signals: construction/permit lag (78/100), structural risk (61/100), institutional ownership (60/100). mortgage stress (25/100) stay muted.

The expansion-phase market in 42445 posted values that rose 5.3% over the year, and 25% higher over three years (phase confidence 33/100). Even climbing markets leave specific parcels in distress; the scoring isolates them.

Vacancy runs 11.5%, above the national norm and a classic distress-and-opportunity signal. Home values center near $118,100, an affordability ratio of 2.1× — accessible. The poverty rate is 14.8%. Rent burden reaches 29% of tenant households. About 17% have a four-year degree. There are about 4,912 housing units across 42445. At $54,024, median income runs below typical U.S. levels. On demographic stress specifically, 42445 scores 27/100. Population is roughly 10,371 with a median age of 44. 67% of housing is owner-occupied.

Overall, 42445 shows a mixed profile — neither uniformly stressed nor insulated — so opportunity is property-specific. There is no property file for 42445 at the moment; the composite and its components are still built from verifiable public records.

No ZIP is too small to score: 42445 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 27/100 composite is a like-for-like number rather than an isolated estimate. Every figure is auditable to a public dataset and refreshed on ingest; 42445 shows blanks, not estimates, wherever the record is sparse.

42445's score blends several independent layers — foreclosure and mortgage stress, tax and lien delinquency, bank headwind and structural exposure — into one 0–100 number, so understanding the components matters as much as the headline for anyone screening the ZIP. Treat 42445 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.