ZIP 42712 Property Distress & Foreclosure Data

ZIP code 42712 in Hardin County, Kentucky carries a composite property-distress score of 33/100 — a moderate reading on DLRadar's deterministic public-record index. Structural risk reads 76/100 against active distress of 7/100. Climate and flood risk are elevated too — flood (NFIP) exposure (87/100), FEMA disaster exposure (76/100), climate & FEMA risk (60/100). What sets it apart are the readings on construction/permit lag (100/100), structural risk (76/100), institutional ownership (60/100). mortgage stress (23/100) stay muted.

Prices here sit in a peak phase: values rose 3.4% over the trailing year, at 36/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

Owners hold 89% of homes, renters 11%. DLRadar's demographic-stress index for the area reads 33/100. 1,787 residents call 42712 home, typically aged 50. Educational attainment sits at 14% bachelor's-or-above. Vacancy runs 20.1%, above the national norm and a classic distress-and-opportunity signal. Rent burden reaches 51% of tenant households. Home values center near $147,400, an affordability ratio of 3.1× — accessible. 18.4% of residents fall below the poverty threshold. There are about 928 housing units across 42712. Median household income is $46,926, below the U.S. median near $78,000.

Taken together, 42712 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.