ZIP 41045 Foreclosure, Tax-Lien & Distress Report

Carroll County, Kentucky's ZIP 41045 registers 16/100 composite distress, which DLRadar reads as low. Environmental exposure also runs high (flood (NFIP) exposure (86/100), FEMA disaster exposure (65/100)). Its standout signals are institutional ownership (54/100), structural risk (36/100), mortgage stress (23/100). On the quiet end sit mortgage stress (23/100) and construction/permit lag (1/100). On the structural side it scores 36/100, with 7/100 of stress already active.

Prices here sit in a neutral phase: values rose 4.7% over the trailing year (phase confidence 25/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.

1,222 residents call 41045 home, typically aged 49. The tenure split is 76% owner-occupied to 24% rented. Home values center near $183,300, an affordability ratio of 3.0× — accessible. There are about 602 housing units across 41045. About 12% have a four-year degree. 18.0% of residents fall below the poverty threshold. On demographic stress specifically, 41045 scores 37/100. Around 71% of renters are cost-burdened. Vacancy runs 19.9%, above the national norm and a classic distress-and-opportunity signal. At $57,381, median income runs below typical U.S. levels.

Net-net, 41045 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.

Because one deterministic model scores every ZIP, 41045's 16/100 can be lined up against any neighbor in Carroll County, Kentucky or any ZIP coast to coast. Sparse data for 41045 shows as blanks, never estimates, and the score updates on every fresh public filing.

41045's headline rolls up several separately-scored signals, which is why two ZIPs can share a composite yet face very different distress. For an operator, 41045 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.