ZIP 42721 Foreclosure, Tax-Lien & Distress Report

ZIP code 42721 in Grayson County, Kentucky carries a composite property-distress score of 20/100 — a low reading on DLRadar's deterministic distress index. Environmental exposure also runs high (FEMA disaster exposure (84/100), flood (NFIP) exposure (75/100)). Its heaviest discrete signals: institutional ownership (63/100), structural risk (44/100), mortgage stress (26/100). By contrast, mortgage stress (26/100) register low. Latent structural risk is 44/100 while live distress already moving reads 8/100.

The market reads neutral — home values rose 5.0% year on year (phase confidence 31/100). Even climbing markets leave specific parcels in distress; the scoring isolates them.

Owners hold 82% of homes, renters 18%. Roughly 19.3% live below the poverty line, elevated and often tied to deferred-maintenance inventory. The typical home is worth about $130,700 (2.4× income, relatively affordable). About 15% have a four-year degree. The ZIP holds roughly 1,733 housing units. The demographic-stress sub-score lands at 30/100. Vacancy runs 17.0%, above the national norm and a classic distress-and-opportunity signal. Median household income is $52,833, below the U.S. median near $78,000. 4,302 residents call 42721 home, typically aged 38. Around 37% of renters are cost-burdened.

On the whole, 42721 leans distressed, with opportunity clustered in specific stressed parcels. There is no property file for 42721 at the moment; the composite and its components are still built from verifiable records.

Whether 42721 runs hot or quiet, its 20/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 42721 can be compared directly against any other ZIP in Grayson County, Kentucky or nationwide. Nothing here is interpolated — where a source is thin for 42721, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

Behind 42721'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. The point of the 42721 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.