ZIP 42746 Foreclosure, Tax-Lien & Distress Report

Composite property distress in 42746 (Hart County, Kentucky) lands at 15/100 — low on DLRadar's public-record scoring. Property-level stress concentrates in institutional ownership (51/100), structural risk (31/100), mortgage stress (22/100). By contrast, structural risk (31/100) and mortgage stress (22/100) register low. Latent structural risk is 31/100 while live distress already moving reads 7/100. It additionally carries heavy environmental risk: FEMA disaster exposure (78/100).

The expansion-phase market in 42746 posted values that rose 5.1% over the year (phase confidence 31/100). Even climbing markets leave specific parcels in distress; the scoring isolates them.

Vacancy runs 23.2%, above the national norm and a classic distress-and-opportunity signal. Roughly 18.1% live below the poverty line, elevated and often tied to deferred-maintenance inventory. There are about 978 housing units across 42746. Around 8% of adults hold a bachelor's degree or higher. Rent burden reaches 39% of tenant households. 84% of housing is owner-occupied. Median household income is $55,048, below the U.S. median near $78,000. DLRadar's demographic-stress index for the area reads 30/100. Home values center near $115,200, an affordability ratio of 2.0× — accessible. Population is roughly 2,473 with a median age of 34.

Taken together, 42746 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. 42746 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.

No ZIP is too small to score: 42746 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 15/100 composite is a like-for-like number rather than an isolated estimate. Nothing here is interpolated — where a source is thin for 42746, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

42746's score blends several independent layers — foreclosure and mortgage stress, tax and lien delinquency, bank headwind and structural exposure — into one 0–100 number, so understanding the components matters as much as the headline for anyone screening the ZIP. The point of the 42746 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.