ZIP 42728 Foreclosure, Tax-Lien & Distress Report

On DLRadar's 0-100 public-record scale, ZIP 42728 in Adair County, Kentucky comes in at 21, a low composite-distress reading. Environmental exposure also runs high (FEMA disaster exposure (77/100)). Structural risk reads 45/100 against active distress of 6/100. The pressure is most legible in construction/permit lag (74/100), structural risk (45/100), institutional ownership (42/100). mortgage stress (19/100) stay muted.

Prices here sit in a expansion phase: values rose 5.3% over the trailing year, and 24% higher over three years, at 33/100 phase confidence. Appreciation rarely lifts every parcel — the laggards are the opportunity.

Households earn a median $49,063 — below the roughly $78,000 national figure. The vacancy rate is 18.8% — elevated. The poverty rate is 17.1% — high, a tax-stress and distress correlate. The ZIP holds roughly 7,586 housing units. Rent burden reaches 28% of tenant households. DLRadar's demographic-stress index for the area reads 29/100. Around 20% of adults hold a bachelor's degree or higher. The tenure split is 75% owner-occupied to 25% rented. About 16,108 people live here, median age 40. The typical home is worth about $151,300 (2.7× income, relatively affordable).

On the whole, 42728 leans distressed, with opportunity clustered in specific stressed parcels. Parcel-level detail for 42728 is not published yet -- the ZIP-level readings above remain fully sourced to public records.

Whether 42728 runs hot or quiet, its 21/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 42728 can be compared directly against any other ZIP in Adair County, Kentucky or nationwide. Sparse data for 42728 shows as blanks, never estimates, and the score updates on every fresh public filing.

Each component behind 42728 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 21/100 roll-up. In workflow terms, 42728 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.