ZIP 42649 Foreclosure, Tax-Lien & Distress Report

Scored purely from public records, 42649 (Mccreary County, Kentucky) returns a minimal composite of 11/100. Climate and flood risk are elevated too — FEMA disaster exposure (78/100). Structurally it carries 22/100, against 6/100 of stress already in motion. Its standout signals are institutional ownership (43/100), structural risk (22/100), mortgage stress (19/100). structural risk (22/100) and mortgage stress (19/100) stay muted.

The market reads expansion — home values rose 5.3% year on year (phase confidence 33/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.

1,878 residents call 42649 home, typically aged 36. Around 13% of adults hold a bachelor's degree or higher. Home values center near $98,200. Rent burden reaches 44% of tenant households. Owners hold 80% of homes, renters 20%. Vacancy runs 18.0%, above the national norm and a classic distress-and-opportunity signal. The poverty rate is 29.0% — high, a tax-stress and distress correlate. DLRadar's demographic-stress index for the area reads 37/100. The ZIP holds roughly 939 housing units.

Net-net, 42649 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. While 42649 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

Big metro or rural, 42649 runs through one identical public-record model, so its 11/100 sits on the same scale as every other ZIP in Mccreary County, Kentucky and the nation. Where the public record is thin for 42649, the field stays empty rather than modeled, and fills in as new documents post.

The 11/100 figure for 42649 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. For an operator, 42649 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.