ZIP 42776 Foreclosure, Tax-Lien & Distress Report

Scored purely from public records, 42776 (Hardin County, Kentucky) returns a moderate composite of 31/100. On the structural side it scores 70/100, with 7/100 of stress already active. Environmental exposure also runs high (FEMA disaster exposure (69/100), flood (NFIP) exposure (65/100)). Leading the profile are construction/permit lag (100/100), structural risk (70/100), institutional ownership (55/100). By contrast, mortgage stress (22/100) register low.

The contraction-phase market in 42776 posted values that fell 1.1% over the year, 1.9% off the recent peak, at 49/100 phase confidence. Falling values surface more motivated sellers and below-market exits.

Population is roughly 2,071 with a median age of 47. The ZIP holds roughly 803 housing units. The poverty rate is 19.2% — high, a tax-stress and distress correlate. The vacancy rate is 5.7%. Home values center near $192,700, an affordability ratio of 3.3× — accessible. The demographic-stress sub-score lands at 30/100. Around 14% of adults hold a bachelor's degree or higher. Households earn a median $55,570 — below the roughly $78,000 national figure. 75% of housing is owner-occupied. Around 28% of renters are cost-burdened.

On the whole, 42776 leans distressed, with opportunity clustered in specific stressed parcels. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.

The 42776 read uses the identical public-record model applied coast to coast, which means its 31/100 score means exactly what it means anywhere else, and 42776 stays directly comparable to neighboring ZIPs and the rest of Hardin County, Kentucky. 42776 carries no interpolated values - each figure ties to a public source and refreshes the moment new records land.

42776'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. Practically, 42776 works as a screen — verify the reading, drill to the specific parcels driving it, and carry the deal through capital and closing on the platform.