ZIP 42712 Foreclosure, Tax-Lien & Distress Report

On DLRadar's 0-100 public-record scale, ZIP 42712 in Hardin County, Kentucky comes in at 32, a moderate composite-distress reading. On the structural side it scores 74/100, with 7/100 of stress already active. Climate and flood risk are elevated too — flood (NFIP) exposure (87/100), FEMA disaster exposure (68/100), climate & FEMA risk (60/100). What sets it apart are the readings on construction/permit lag (100/100), structural risk (74/100), institutional ownership (56/100). By contrast, mortgage stress (23/100) register low.

The peak-phase market in 42712 posted values that rose 2.0% over the year, 1.0% off the recent peak, at 29/100 phase confidence. Topping markets hide individual distress behind strong averages.

The tenure split is 89% owner-occupied to 11% rented. On demographic stress specifically, 42712 scores 33/100. Population is roughly 1,787 with a median age of 50. Around 14% of adults hold a bachelor's degree or higher. Vacancy runs 20.1%, above the national norm and a classic distress-and-opportunity signal. Rent burden reaches 51% of tenant households. The typical home is worth about $147,400 (3.1× income, relatively affordable). 18.4% of residents fall below the poverty threshold. There are about 928 housing units across 42712. At $46,926, median income runs below typical U.S. levels.

Net-net, 42712 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. While 42712 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

No ZIP is too small to score: 42712 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 32/100 composite is a like-for-like number rather than an isolated estimate. The score is rebuilt from public data as it updates, so 42712 reflects the current record instead of a stale or modeled snapshot.

Behind 42712's composite sit distinct signals (foreclosure, mortgage, tax-lien, lender and structural), each scored on its own before rolling up, so two ZIPs with the same total can describe very different situations on the ground. For an operator, 42712 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.