ZIP 41046 Foreclosure, Tax-Lien & Distress Report

In Owen County, Kentucky, ZIP 41046 scores 18 of 100 for composite distress, a low level on DLRadar's distress index. Environmental exposure also runs high (flood (NFIP) exposure (72/100), FEMA disaster exposure (69/100)). Structural exposure scores 42 and live distress 7 on the 0–100 scale. Leading the profile are institutional ownership (53/100), structural risk (42/100), construction/permit lag (35/100). By contrast, construction/permit lag (35/100) and mortgage stress (22/100) register low.

The market reads peak — home values rose 4.3% year on year, at 22/100 phase confidence. Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

Median household income is $85,795, near the U.S. median near $78,000. 12.4% of residents fall below the poverty threshold. The ZIP holds roughly 605 housing units. Around 6% of adults hold a bachelor's degree or higher. On demographic stress specifically, 41046 scores 24/100. 1,685 residents call 41046 home, typically aged 33. Around 6% of renters are cost-burdened. A median home runs $226,900 here, or 2.3 times local income. The tenure split is 78% owner-occupied to 22% rented. Vacancy runs 11.0%.

Overall 41046 looks resilient on the surface, so the edge is isolating individual stressed parcels. There is no property file for 41046 at the moment; the composite and its components are still built from verifiable records.

Big metro or rural, 41046 runs through one identical scoring model, so its 18/100 sits on the same scale as every other ZIP in Owen County, Kentucky and the nation. Nothing here is interpolated — where a source is thin for 41046, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

The 18/100 figure for 41046 is a composite, not one metric: it rolls up foreclosure and pre-foreclosure activity, mortgage stress, tax delinquency and liens, local lender headwind, and structural risk into a single reading, which is why a ZIP can look calm on price yet score high on distress. Practically, 41046 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.