ZIP 41189 Foreclosure, Tax-Lien & Distress Report

ZIP code 41189 in Lewis County, Kentucky carries a composite property-distress score of 15/100 — a low reading on DLRadar's deterministic public-record index. Climate and flood risk are elevated too — FEMA disaster exposure (89/100). Structural risk reads 30/100 against active distress of 6/100. Its heaviest discrete signals: institutional ownership (48/100), structural risk (30/100), mortgage stress (21/100). On the quiet end sit structural risk (30/100) and mortgage stress (21/100).

The expansion-phase market in 41189 posted values that rose 5.3% over the year (phase confidence 33/100). Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.

The poverty rate is 7.2% — low. Around 20% of renters are cost-burdened. 84% of housing is owner-occupied. About 9% have a four-year degree. The vacancy rate is 15.1% — elevated. The demographic-stress sub-score lands at 23/100. At $50,924, median income runs below typical U.S. levels. The ZIP holds roughly 953 housing units. Home values center near $119,400, an affordability ratio of 2.0× — accessible. Population is roughly 2,052 with a median age of 48.

On the whole, 41189 leans distressed, with opportunity clustered in specific stressed parcels. While 41189 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

No ZIP is too small to score: 41189 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 15/100 composite is a like-for-like number rather than an isolated estimate. Nothing here is interpolated — where a source is thin for 41189, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

Behind 41189'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. The point of the 41189 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.