ZIP 41095 Foreclosure, Tax-Lien & Distress Report

ZIP code 41095 in Gallatin County, Kentucky carries a composite property-distress score of 20/100 — a low reading on DLRadar's deterministic distress index. The most distinctive pressure shows up in institutional ownership (56/100), structural risk (46/100), construction/permit lag (40/100). On the quiet end sit mortgage stress (23/100). Environmental exposure also runs high (flood (NFIP) exposure (81/100), FEMA disaster exposure (71/100)). Structural exposure scores 46 and live distress 7 on the 0–100 scale.

The peak-phase market in 41095 posted values that rose 3.5% over the year, and 14% higher over three years, at 24/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

DLRadar's demographic-stress index for the area reads 30/100. Educational attainment sits at 13% bachelor's-or-above. Rent burden reaches 26% of tenant households. Population is roughly 3,775 with a median age of 38. Vacancy runs 14.0%, above the national norm and a classic distress-and-opportunity signal. Home values center near $180,700, an affordability ratio of 2.8× — accessible. The poverty rate is 15.6%. Owners hold 59% of homes, renters 41%. Median household income is $59,342, below the U.S. median near $78,000. The ZIP holds roughly 1,747 housing units.

Taken together, 41095 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. Parcel-level detail for 41095 is not published yet -- the ZIP-level readings above remain fully sourced.

Big metro or rural, 41095 runs through one identical scoring model, so its 20/100 sits on the same scale as every other ZIP in Gallatin County, Kentucky and the nation. Every figure is auditable to a public dataset and refreshed as records update; 41095 shows blanks, not estimates, wherever the record is sparse.

41095'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. In workflow terms, 41095 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.