ZIP 41146 Foreclosure, Tax-Lien & Distress Report

On DLRadar's 0-100 distress scale, ZIP 41146 in Carter County, Kentucky comes in at 22, a low composite-distress reading. Climate and flood risk are elevated too — FEMA disaster exposure (84/100), flood (NFIP) exposure (74/100). The pressure is most legible in institutional ownership (65/100), structural risk (48/100). On the structural side it scores 48/100, with 0/100 of stress already active.

The market reads expansion — home values rose 7.3% year on year, at 37/100 phase confidence. Appreciation rarely lifts every parcel — the laggards are the opportunity.

Rent burden reaches 55% of tenant households. The tenure split is 79% owner-occupied to 21% rented. The demographic-stress sub-score lands at 54/100. About 6% have a four-year degree. Median household income is $43,523, below the U.S. median near $78,000. The ZIP holds roughly 231 housing units. The vacancy rate is 8.7%. About 446 people live here, median age 58. 15.5% of residents fall below the poverty threshold.

On balance 41146 is mixed, rewarding parcel-by-parcel screening over broad assumptions. While 41146 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

The 41146 read uses the identical scoring model applied coast to coast, which means its 22/100 score means exactly what it means anywhere else, and 41146 stays directly comparable to neighboring ZIPs and the rest of Carter County, Kentucky. Nothing here is interpolated — where a source is thin for 41146, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

The 22/100 figure for 41146 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 41146 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.