ZIP 41101 Foreclosure, Tax-Lien & Distress Report

DLRadar grades ZIP 41101 (Boyd County, Kentucky) at a moderate 35/100 for overall property distress. The sharpest non-environmental signals are construction/permit lag (100/100), structural risk (78/100), institutional ownership (60/100). On the quiet end sit mortgage stress (24/100). Climate and flood risk are elevated too — flood (NFIP) exposure (85/100), FEMA disaster exposure (75/100), climate & FEMA risk (70/100). The latent-versus-live split is 78/100 structural and 7/100 already moving.

The expansion-phase market in 41101 posted values that rose 7.3% over the year, and 22% higher over three years (phase confidence 37/100). Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.

Median household income is $53,491, below the U.S. median near $78,000. The poverty rate is 21.0% — high, a tax-stress and distress correlate. 19,331 residents call 41101 home, typically aged 40. Rent burden reaches 34% of tenant households. On demographic stress specifically, 41101 scores 29/100. About 23% have a four-year degree. Owners hold 59% of homes, renters 41%. There are about 9,052 housing units across 41101. The typical home is worth about $121,600 (2.3× income, relatively affordable). Vacancy runs 11.4%, above the national norm and a classic distress-and-opportunity signal.

Taken together, 41101 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. While 41101 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

Because one deterministic model scores every ZIP, 41101's 35/100 can be lined up against any neighbor in Boyd County, Kentucky or any ZIP coast to coast. Nothing here is interpolated — where a source is thin for 41101, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

The 35/100 figure for 41101 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. The point of the 41101 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.