ZIP 42765 Foreclosure, Tax-Lien & Distress Report
Hart County, Kentucky · High Poverty market
ZIP code 42765 in Hart County, Kentucky carries a composite property-distress score of 16/100 — a low reading on DLRadar's deterministic distress index. The latent-versus-live split is 33/100 structural and 7/100 already moving. The most distinctive pressure shows up in institutional ownership (53/100), structural risk (33/100), mortgage stress (22/100). By contrast, structural risk (33/100) and mortgage stress (22/100) register low. It additionally carries heavy environmental risk: FEMA disaster exposure (85/100).
The expansion-phase market in 42765 posted values that rose 5.3% over the year, at 33/100 phase confidence. Even climbing markets leave specific parcels in distress; the scoring isolates them.
About 7,030 people live here, median age 34. There are about 2,778 housing units across 42765. The poverty rate is 21.4% — high, a tax-stress and distress correlate. On demographic stress specifically, 42765 scores 30/100. The tenure split is 66% owner-occupied to 34% rented. Rent burden reaches 23% of tenant households. The vacancy rate is 8.3%. At $50,880, median income runs below typical U.S. levels. A median home runs $143,600 here, or 2.7 times local income. About 13% have a four-year degree.
On the whole, 42765 leans distressed, with opportunity clustered in specific stressed parcels. Parcel-level detail for 42765 is not published yet -- the ZIP-level readings above remain fully sourced.
Big metro or rural, 42765 runs through one identical scoring model, so its 16/100 sits on the same scale as every other ZIP in Hart County, Kentucky and the nation. Every figure is auditable to a public dataset and refreshed as records update; 42765 shows blanks, not estimates, wherever the record is sparse.
Behind 42765'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. In workflow terms, 42765 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.
Distress signal breakdown — ZIP 42765
Tax delinquency, institutional ownership, insurance pressure, NFIP/flood, construction lag, price dislocation and auction velocity — plus the 0 individual distressed properties are broken out by owner, address, APN, per-property score and exit read inside DLRadar.
The 42765 distress snapshot
Real-time distress, cycle phase, housing and bank-stress readings for 42765, the same set carried on every parcel.
Adjacent Hart County ZIP reports
Nearest ZIP codes to 42765
By straight-line distance between ZIP centers — the surrounding market, whichever county or state line it crosses.
More distress data near 42765
Other reports tied to Hart County, Kentucky — ZIP, county and statewide.
Unlock parcel-level detail for ZIP 42765
Open 42765 parcel by parcel: owner, address, APN, individual distress score, lender exposure, exit-velocity estimate, and owner and lender records in a single click. Updated continuously across the country.
Rules-based scoring — each signal ties to a public dataset · methodology