Clark County, Indiana Court Filings Intelligence

• Filing volume accelerating (+38.7%) — last 2 complete months (165 filings) vs prior 2 complete months (119 filings). Excludes the current calendar month (in progress).
• 51.4% off-site owners — share of filings where the owner's mailing address differs from the property address. Could be out-of-state landlords, inherited estates, second homes, or in-transition properties (we don't distinguish; the underlying signal is "not living there").
• Max gross cap rate 6.1% at HUD Fair Market Rent — $15,264/year (2BR FMR × 12) on the $248,800 median estimated market value. Section-8-eligible rent ceiling; real-market rent typically exceeds FMR; excludes operating costs (taxes, insurance, maintenance, vacancy, management).
• 43.4% of filings are Divorce — the dominant lead category in Clark County during the observed window.

About Clark County

Clark County is a county in the U.S. state of Indiana, located directly across the Ohio River from Louisville, Kentucky. At the 2020 census, the population was 121,093. The county seat is Jeffersonville. Clark County is part of the Louisville/Jefferson County, KY–IN Metropolitan Statistical Area.

Source: Wikipedia

At a glance

Filing type breakdown

Each row is a distinct case verified for current owner-of-record before inclusion.

Monthly filing activity

Each row reflects new filings entering the dataset that month, after ownership verification. Most recent month may be partial.

Geographic concentration by ZIP

Top 10 ZIPs in Clark County account for 52.3% of all tracked filings, showing where distressed real estate activity clusters.

Based on filings with a parseable property address (53% of Clark County filings).

Property value distribution

Source: third-party property enrichment (76% coverage on Clark County filings). Median $248,800; mean $277,472.

Day-of-week filing pattern

Filings cluster Monday through Friday, with weekend filings essentially absent (court system closed). Computed for 1008 filings with a parseable date.

Building characteristics

Per-property details from third-party property enrichment, aggregated across the 862 filings with characteristic data:

Housing stock + distress signals

Underlying housing stock and distress indicators across all 53854 Clark County housing units, from US Census ACS 5-year data. National reference values shown for context.

Source: US Census Bureau American Community Survey (ACS 2023 5-year). National reference values are ACS 2022 5-year US totals. Why these matter: vacancy rate is the strongest single proxy for distressed inventory; mortgage-carrying share defines the risk pool exposed to rate environment; pre-1940 stock signals deferred maintenance and renovation opportunity; senior population correlates with probate pipeline depth.

Rent benchmark (HUD Fair Market Rent)

HUD sets Fair Market Rents at the metro area level — the same FMRs apply to every county within the metro. Clark County sits within the Louisville/Jefferson County, KY-IN (FY 2026). Used to set Section 8 voucher amounts; investors use it as a defensible rent-estimate floor for buy-to-rent underwriting.

Source: US Department of Housing and Urban Development, Fair Market Rents (2026). 40th-percentile gross rent including utilities. Why this matters: Section-8-eligible tenants are a baseline demand floor for rental inventory at these price points; FMR is the official ceiling for voucher-eligible rents.

New construction (market momentum)

Annual building permits filed in Clark County from the US Census Building Permits Survey. Trend signal on whether new housing demand is accelerating or contracting in this market.

Source: US Census Bureau Building Permits Survey, annual cumulative data. Why this matters: permits trending up signals strong demand for new inventory; permits contracting at the same time foreclosure activity rises indicates broader market softening (deals price differently). Multifamily share shows whether the market is densifying or holding to single-family stock.

Macro context: state home prices and national delinquency

Clark County filings should be read against the broader housing-market backdrop. Indiana state home-price trend and the national mortgage-delinquency rate are the two macro signals most directly relevant to foreclosure exposure.

Sources: Federal Housing Finance Agency state house price indices (FRED series INSTHPI); Federal Reserve Board, Mortgage Delinquency 30+Day Rate on Single-Family Residential Mortgages (FRED series DRSFRMACBS). Updated quarterly. Free public data.

Local-market benchmark

Demographics of the ZIPs where filings cluster, weighted by filing count and benchmarked against Census ACS 2023 5-year:

Source: U.S. Census Bureau ACS 5-year estimates, weighted by Keystone's filing volume across 8 top ZIPs.

Most active foreclosure plaintiffs in Clark County

Top mortgage holders and servicers named in foreclosure complaints filed in this county. Lender names are normalized to collapse common legal-suffix variants (e.g. "as Trustee for X Trust", "N.A.").

Source: plaintiff names extracted from Clark County foreclosure complaint text. Court records are public information.

Post-filing sale outcomes in Clark County

What happens to distressed properties after a court filing? By cross-referencing each filing's property with county assessor and deed-transfer records, we track which properties sold, how long the process took, and at what price. This analysis covers 921 filings (91.4% of all 1008 filings) where parcel-level tracking is available.

Time from filing to sale

How quickly do distressed properties sell after a court filing is recorded? This distribution shows where post-filing sales cluster.

Sale rates by filing type

Not all distress types lead to property sales at the same rate. Foreclosures tend to result in eventual sales more often than probate or divorce filings.

How sales relate to the filing

Not every post-filing sale is caused by the court case. We classify each sale's relationship to the original filing so investors can focus on the highest-signal outcomes. 76.2% of confirmed sales were directly driven by the filing.

Source: county assessor and deed-transfer records cross-referenced with court filings by parcel ID. Sale outcomes tracked for 921 of 1008 filings (91.4% parcel coverage). Timing based on 63 sales with valid filing and sale dates. Prices based on 59 sales with recorded sale amounts.

FEMA flood zone exposure

Are distressed properties concentrated in flood-prone areas? By checking each property's coordinates against FEMA's National Flood Hazard Layer, we identify which filings fall in Special Flood Hazard Areas (mandatory flood insurance zones). This analysis covers 965 properties with geocoded locations.

Source: FEMA National Flood Hazard Layer (NFHL), queried by property coordinates. Zones A/AE/AH/AO/V/VE are Special Flood Hazard Areas (1% annual flood chance, mandatory flood insurance). Zone X is minimal risk. 965 properties checked.

Filing velocity by case type

How each distress category is trending — are foreclosures accelerating while divorces cool, or vice versa? This breakdown is only possible with direct court-record data.

Trend = recent 2-3 month volume vs prior 2-3 months (current partial month excluded). Positive = accelerating; negative = cooling.

Seasonal filing patterns

Court filings peak in Jan and are lowest in Jul. The 10.5x peak-to-trough ratio suggests strong seasonal patterns — investors who time their outreach around Jan can reach more distressed homeowners.

Average filings per calendar month across all observed years. Relative column shows each month as a percentage of the peak month (Jan), with a 10.5x peak-to-trough ratio.

ZIP code distress hotspots

Distress shows moderate geographic concentration — the top 5 ZIP codes represent 45.6% of filings.

Top 10 of 14 ZIP codes with filings.

Non-resident owner analysis

Most filings (96%) involve owner-occupied properties. The relatively low absentee rate suggests distress is primarily hitting homeowners, not institutional investors.

Non-resident = owner's mailing address differs from the property address. Could indicate out-of-state landlords, inherited estates, second homes, or in-transition properties.

Distress composition and shifts

Guardianship share is rising. Pre-Foreclosure share is declining.

Distress diversity score: 1.93 (Shannon entropy; higher = more diverse distress sources). "Recent" = last 2 complete months; "Earlier" = all prior months.

Motivation breakdown

Of 58 filings with a tagged motivation, the most common is Equity Division Sale (55.2%), followed by Inherited Property (29.3%). This motivation breakdown is captured at the court-filing stage and is not available from property-data aggregators.

Based on 58 filings tagged with a motivation sub-type at the court-filing stage.

Case Outcomes & Resolution Timeline

1.8% of tracked cases have reached a resolution, with a median time of 64 days from filing to resolution. The most common resolution is judgment entered (10 cases, 56% of resolved).

Outcomes by Case Type

Based on 1001 court filings with docket event tracking. Based on a robust sample; percentages are reliable. Outcomes derived from docket entries (judgments, dismissals, sheriff sales, and settlement agreements). 983 cases are still active or pending resolution.

Court Docket Activity

Across 119 tracked cases, the average case has 15 docket entries (median 14). 58.0% of cases are in the "mid-process (6-15 events)" stage. Pre-Foreclosure cases are the most court-active at 21.7 events on average. Higher docket activity signals that courts are actively processing the case, which can indicate timeline urgency for investor outreach.

Based on 119 cases with docket event tracking from Clark County court records. Docket entries include filings, hearings, orders, and motions.

Procedural Stage Pipeline

Of 50 tracked cases, 16.0% reached the service-of-process stage, 48.0% progressed to a hearing.

Based on 50 cases with 60 recorded stage transitions from Clark County court docket entries. Stages identified from docket events: service of process, responses, hearings, judgments, settlements, and dismissals.

Property Value Profile

The median assessed value of properties in court filings is $230,900. Inherited Property filings involve the highest-value properties (median $283,800), while Guardianship filings trend lower (median $205,900). The largest segment (40.2%) falls in the $100K - $250K range.

Based on county assessor records for 853 properties with court filings (84.6% of total filings). Values are tax-assessed amounts, not market listing prices.

Investment Opportunity Score by ZIP Code

Across 12 ZIP codes with sufficient court filing data, ZIP 47130 (Jeffersonville) ranks highest with an investment opportunity score of 71/100, driven by high filing volume (168 cases). 4 of 12 scored ZIPs are above the average score of 44.

Based on 1008 court filings across 12 ZIP codes. ZIPs with fewer than 3 filings are excluded. Property values from county assessor records. Absentee status from property ownership verification.

Distress Capital Analysis

$213,072,091 in assessed property value is currently tied up in 853 court-filed properties. Divorce filings represent the largest capital pool ($91,540,898 across 372 properties).

Capital at Risk by Filing Type

Based on 853 properties with assessor valuations (84.6% of 1008 total filings). Values are county assessor estimates. Equity calculated from estimated value vs outstanding mortgage balance where available.

Market Absorption & Turnover Analysis

1,115 court filings tracked with 18 resolved (1.6% absorption rate). The court system is accumulating cases faster than they resolve, creating a growing backlog of 1,097 active cases. Resolved cases take an average of 54 days. Probate cases resolve fastest (avg 31 days), while Divorce cases take longest (avg 62 days).

Resolution by Case Type

Absorption rate measures the percentage of filed cases that have reached a terminal resolution (judgment, dismissal, settlement, or sale). A low absorption rate indicates a growing backlog of active cases in the court system. Resolution timing based on 18 resolved cases out of 1115 total filings.

Property Type Distribution

69.7% of distressed properties are classified as Single Family, followed by Residential (13.4%).

Property classifications from county assessor records for 845 properties (75.8% of total filings). Categories normalized from assessor codes.

Case Aging & Stall Analysis

547 cases (49.1%) have been active for over a year without resolution. Pre-Foreclosure cases resolve fastest (median 35 days), while Divorce cases take longest (median 66 days). 72 filings in the last <30 days represent fresh opportunities.

Case aging computed from filing date to present for unresolved cases. Resolution classified from court docket entries (judgments, settlements, dismissals, sheriff sales). Cases with a resolution event are removed from the stall count.

Property Age & Distress Profile

834 filings (74.8% of scope) have year-built data. 2000+ properties are most common (42%). Newer properties (2000+) average $293,460 — 1.6x the value of Pre-1960 stock ($189,800). Pre-1960 cases resolve fastest (median 30d) vs 2000+ (70d).

Value trend: 2000+ properties average $293,460 — 1.55x the value of Pre-1960 stock ($189,800).

Construction year sourced from county tax assessor records. Value is assessed value from the most recent available tax assessment. Resolution timing based on court docket events.

Quarterly Filing Volume Trends

Filing trends across 7 comparable quarters show 1,058 tracked filings in Clark County. Most recent quarter (2026 Q2: 231) was declining vs prior (2026 Q1: 308, -25.0%). Divorce shows the largest composition shift, growing share from 37.2% to 45.7%.

Composition shift: Divorce filings are growing share, moving from 37.2% to 45.7% of total filings (+8.5 percentage points).

Only comparable quarters shown (collection ramp-up periods excluded). Filing dates from verified court records. Current partial quarter excluded from trend calculations.

Property Value Distribution

The median property value in distressed filings is $216,300, with the largest concentration (30.9%) in the $200K–$300K range. Divorce filings have the highest median value ($223,900) while Guardianship filings are lowest ($197,100).

Assessed property values from county assessor records for 921 properties (82.6% of total filings). Values reflect tax-assessed amounts, not market price.

Ownership Duration Before Filing

The median ownership duration before a court filing is 5.0 years (17.2% held 10+ years). Pre-Foreclosure cases show the longest tenure (5.8 yr median) vs. Divorce (4.5 yr).

Duration calculated from last recorded property sale to court filing date for 453 properties (40.6% of total filings). Longer ownership often correlates with higher equity.

Repeat litigation patterns in Clark County

Of 978 unique property owners in court filings, 126 (12.9%) appear in multiple cases, including 6 with 3 or more filings. The most active repeat filer has 6 cases. Guardianship cases have the highest repeat rate at 26.2%.

Repeat rate by case type

Analysis based on 978 unique owner names across court filings. Repeat filers are property owners appearing in 2 or more distinct cases.

Serial distressed properties in Clark County

Of 799 unique properties in court filings, 58 (7.3%) have multiple filings (averaging 2.6 filings per property). Average time between repeat filings: 7 months. Guardianship properties have the highest repeat rate at 33.3%.

Serial distress rate by case type

Analysis based on 799 unique property addresses across court filings. Serial distressed properties have 2 or more distinct case filings at the same address.

Land vs improvement value composition

Across 774 properties with assessed value breakdowns, the median land share is 19.0% (median land value $46,900, median improvement value $197,600). 21 properties (2.7%) are land-dominant (50%+ land value) — potential teardown or vacant-lot targets. Guardianship cases skew most land-heavy (median 20.6%) while Divorce skews most improvement-heavy (18.7%).

Land share distribution

Land share by case type

Analysis of 774 properties (69.4% of filings) with assessed land and improvement value breakdowns.

Prior sale value trajectory

Across 525 properties with purchase and assessed value data, the median value change since purchase is +10.4%. 226 properties (43.0%) are underwater (current assessed value below purchase price). Short-hold owners (<5 yr) show a median -8.6% value change vs +97.6% for long-hold (10+ yr). Guardianship cases have the highest underwater rate (52.9%) while Pre-Foreclosure has the lowest (28.2%).

Value change distribution

Holding period vs value change

Value trajectory by case type

Analysis of 525 properties (47.1% of filings) with both prior sale price and current assessed value data.

Why these filings are invisible on most public foreclosure sites

The largest public foreclosure-aggregator interfaces surface only post-auction bank-owned properties in Indiana. Pre-foreclosure court filings are not visible to their non-paying users. Keystone tracks the court filing the day it hits the docket, weeks or months before any property reaches the auction stage those aggregators surface.

Methodology and full audit: Court-vs-aggregator coverage gap report.

Methodology and data sources

• Court filings are collected directly from Clark County court records, which are public information.
• Every filing in this dataset has been verified for current owner-of-record. Entity-owned filings (LLCs, trusts, banks) and properties where the named party is not the current owner are excluded.
• Property value figures come from third-party enrichment (76% coverage on this dataset).
• Individual case data, defendant names, and property addresses are not published. Reports show aggregated statistics only.
• The methodology page at /reports/methodology documents data sources, sample sizes, and known limitations in detail.
• This report was generated 2026-07-14 from the live database. Numbers reflect the dataset at that moment.

Top cities for filings within Clark County

Where filings concentrate inside Clark County, by parsed property city or township.

Share is computed against filings with a parsed property city (not against total Clark County filings — addresses missing the city portion are excluded from the denominator). Top 5 shown; smaller cities aggregate into the long tail.

Related Indiana guides

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