ZIP 41603 Foreclosure, Tax-Lien & Distress Report

DLRadar grades ZIP 41603 (Floyd County, Kentucky) at a moderate 31/100 for overall property distress. Structural risk reads 67/100 against active distress of 8/100. It additionally carries heavy environmental risk: flood (NFIP) exposure (94/100), climate & FEMA risk (93/100), FEMA disaster exposure (68/100). What sets it apart are the readings on structural risk (67/100), institutional ownership (62/100), mortgage stress (25/100). mortgage stress (25/100) and construction/permit lag (25/100) stay muted.

The market reads peak — home values rose 4.4% year on year, and 14% higher over three years (phase confidence 22/100). Topping markets hide individual distress behind strong averages.

The ZIP holds roughly 936 housing units. Home values center near $202,200, an affordability ratio of 3.6× — accessible. Around 10% of adults hold a bachelor's degree or higher. Vacancy runs 29.1%, above the national norm and a classic distress-and-opportunity signal. Population is roughly 1,661 with a median age of 32. 20.2% of residents fall below the poverty threshold. Households earn a median $56,218 — below the roughly $78,000 national figure. DLRadar's demographic-stress index for the area reads 40/100. 53% of housing is owner-occupied. Rent burden reaches 56% of tenant households.

Net-net, 41603 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. There is no property file for 41603 at the moment; the composite and its components are still built from verifiable records.

Whether 41603 runs hot or quiet, its 31/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 41603 can be compared directly against any other ZIP in Floyd County, Kentucky or nationwide. The score is rebuilt from public data as it updates, so 41603 reflects the current record instead of a stale or modeled snapshot.

The 31/100 for 41603 sums independent layers - foreclosure, mortgage, tax-lien, lender headwind and structural risk - so the mix behind the number matters as much as the number. For a buyer, 41603 is one row in a larger workflow: confirm the score, pull the distressed parcels behind it, then move from signal to funded, closed acquisition through DLRadar.