ZIP 42740 Foreclosure, Tax-Lien & Distress Report

Composite property distress in 42740 (Hardin County, Kentucky) lands at 35/100 — moderate on DLRadar's public-record scoring. The sharpest non-environmental signals are construction/permit lag (100/100), structural risk (80/100), institutional ownership (56/100). By contrast, mortgage stress (22/100) register low. Climate and flood risk are elevated too — flood (NFIP) exposure (94/100), climate & FEMA risk (76/100), FEMA disaster exposure (65/100). Structural risk reads 80/100 against active distress of 7/100.

The market reads contraction — home values fell 1.1% year on year, 1.9% off the recent peak, and 26% higher over three years, at 49/100 phase confidence. Softening prices widen the spread between distressed and market value — what acquisition buyers watch for.

2.0% of residents fall below the poverty threshold. The ZIP holds roughly 888 housing units. Median household income is $85,372, near the U.S. median near $78,000. Around 18% of adults hold a bachelor's degree or higher. Rent burden reaches 7% of tenant households. The vacancy rate is 12.2% — elevated. 74% of housing is owner-occupied. The demographic-stress sub-score lands at 20/100. About 1,938 people live here, median age 45. The typical home is worth about $238,900 (2.1× income, relatively affordable).

On the whole, 42740 leans distressed, with opportunity clustered in specific stressed parcels. Parcel-level detail for 42740 is not published yet -- the ZIP-level readings above remain fully sourced to public records.

The 42740 read uses the identical public-record model applied coast to coast, which means its 35/100 score means exactly what it means anywhere else, and 42740 stays directly comparable to neighboring ZIPs and the rest of Hardin County, Kentucky. The score is rebuilt from public data as it updates, so 42740 reflects the current record instead of a stale or modeled snapshot.

42740's headline rolls up several separately-scored signals, which is why two ZIPs can share a composite yet face very different distress. In workflow terms, 42740 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.