ZIP 41086 Foreclosure, Tax-Lien & Distress Report
Gallatin County, Kentucky · High Vacancy market
Gallatin County, Kentucky's ZIP 41086 registers 20/100 composite distress, which DLRadar reads as low. Climate and flood risk are elevated too — flood (NFIP) exposure (84/100), FEMA disaster exposure (65/100). Structurally it carries 45/100, against 7/100 of stress already in motion. The most distinctive pressure shows up in institutional ownership (54/100), structural risk (45/100), construction/permit lag (41/100). mortgage stress (24/100) stay muted.
The peak-phase market in 41086 posted values that rose 4.3% over the year, and 23% higher over three years (phase confidence 22/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.
Households earn a median $59,911 — below the roughly $78,000 national figure. There are about 976 housing units across 41086. The poverty rate is 5.3% — low. Home values center near $168,800, an affordability ratio of 2.8× — accessible. Around 50% of renters are cost-burdened. On demographic stress specifically, 41086 scores 30/100. Around 15% of adults hold a bachelor's degree or higher. The vacancy rate is 14.5% — elevated. Population is roughly 2,126 with a median age of 38. Owners hold 80% of homes, renters 20%.
Taken together, 41086 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.
No ZIP is too small to score: 41086 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 20/100 composite is a like-for-like number rather than an isolated estimate. The score is rebuilt from public data as it updates, so 41086 reflects the current record instead of a stale or modeled snapshot.
Behind 41086's composite sit distinct signals (foreclosure, mortgage, tax-lien, lender and structural), each scored on its own before rolling up, so two ZIPs with the same total can describe very different situations on the ground. For a buyer, 41086 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.
Distress signal breakdown — ZIP 41086
Unpaid tax, corporate ownership share, insurance cost pressure, NFIP flood risk, construction slowdown, price gaps and auction turnover — plus the 0 individual distressed properties — each with owner, address, APN, its own distress score and an exit read — are in the full report.
The 41086 distress snapshot
Real-time distress, cycle phase, housing and bank-stress readings for 41086, the same set carried on every parcel.
Adjacent Gallatin County ZIP reports
Explore related distress reports
Further distress data across Gallatin County, Kentucky at ZIP, county and state level.
Open the complete 41086 acquisition file
Pull every distressed parcel in 41086 — owner, address, APN, distress score, lender exposure and exit read — with funding and closing one click away. Nationwide coverage, continuously updated.
Deterministic scoring, sourced entirely from public data · methodology