ZIP 41537 Foreclosure, Tax-Lien & Distress Report

DLRadar grades ZIP 41537 (Letcher County, Kentucky) at a low 26/100 for overall property distress. Climate and flood risk are elevated too — flood (NFIP) exposure (91/100), FEMA disaster exposure (75/100), climate & FEMA risk (73/100). The sharpest non-environmental signals are institutional ownership (61/100), structural risk (56/100), mortgage stress (26/100). By contrast, mortgage stress (26/100) and construction/permit lag (5/100) register low. The latent-versus-live split is 56/100 structural and 8/100 already moving.

The neutral-phase market in 41537 posted values that rose 4.9% over the year (phase confidence 28/100). Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.

Vacancy runs 24.3%, above the national norm and a classic distress-and-opportunity signal. A median home runs $76,200 here, or 2.2 times local income. There are about 2,151 housing units across 41537. The demographic-stress sub-score lands at 30/100. 28.7% of residents fall below the poverty threshold. Households earn a median $33,587 — below the roughly $78,000 national figure. 3,177 residents call 41537 home, typically aged 49. Around 25% of renters are cost-burdened. The tenure split is 74% owner-occupied to 26% rented. Around 13% of adults hold a bachelor's degree or higher.

On the whole, 41537 leans distressed, with opportunity clustered in specific stressed parcels. While 41537 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, 41537's 26/100 can be lined up against any neighbor in Letcher County, Kentucky or any ZIP coast to coast. Nothing here is interpolated — where a source is thin for 41537, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

The 26/100 figure for 41537 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 41537 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.