ZIP 42784 Foreclosure, Tax-Lien & Distress Report

Composite property distress in 42784 (Hart County, Kentucky) lands at 22/100 — low on DLRadar's distress scoring. Leading the profile are institutional ownership (57/100), structural risk (47/100), construction/permit lag (31/100). By contrast, construction/permit lag (31/100) and mortgage stress (21/100) register low. The latent-versus-live split is 47/100 structural and 6/100 already moving. It additionally carries heavy environmental risk: FEMA disaster exposure (82/100).

Prices here sit in a peak phase: values rose 1.5% over the trailing year, 1.2% off the recent peak, at 31/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

At $72,340, median income runs near typical U.S. levels. Vacancy runs 10.5%. Rent burden reaches 19% of tenant households. The ZIP holds roughly 1,509 housing units. The poverty rate is 23.8% — high, a tax-stress and distress correlate. About 2,948 people live here, median age 37. DLRadar's demographic-stress index for the area reads 27/100. Home values center near $178,100, an affordability ratio of 2.2× — accessible. Educational attainment sits at 21% bachelor's-or-above. Owners hold 71% of homes, renters 29%.

On the whole, 42784 leans distressed, with opportunity clustered in specific stressed parcels. No parcel file is published for 42784 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

The 42784 read uses the identical scoring model applied coast to coast, which means its 22/100 score means exactly what it means anywhere else, and 42784 stays directly comparable to neighboring ZIPs and the rest of Hart County, Kentucky. Where the record is thin for 42784, the field stays empty rather than modeled, and fills in as new documents post.

42784'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. For a buyer, 42784 is one row in a larger workflow: confirm the score, pull the distressed parcels behind it, then move from signal to funded, closed acquisition through DLRadar.