ZIP 41631 Foreclosure, Tax-Lien & Distress Report
Floyd County, Kentucky · High Poverty market
ZIP code 41631 in Floyd County, Kentucky carries a composite property-distress score of 31/100 — a moderate reading on DLRadar's deterministic distress index. What sets it apart are the readings on structural risk (67/100), institutional ownership (62/100), construction/permit lag (25/100). By contrast, construction/permit lag (25/100) register low. Latent structural risk is 67/100 while live distress already moving reads 0/100. Climate and flood risk are elevated too — flood (NFIP) exposure (94/100), climate & FEMA risk (93/100), FEMA disaster exposure (68/100).
Prices here sit in a peak phase: values rose 4.4% over the trailing year (phase confidence 22/100). Near a top, distress surfaces unevenly, so parcel screening beats headline strength.
The demographic-stress sub-score lands at 69/100. Owners hold 67% of homes, renters 33%. About 17% have a four-year degree. The vacancy rate is 9.3%. The poverty rate is 51.7% — high, a tax-stress and distress correlate. The ZIP holds roughly 488 housing units. About 1,230 people live here, median age 28.
Net-net, 41631 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. There is no property file for 41631 at the moment; the composite and its components are still built from verifiable records.
Big metro or rural, 41631 runs through one identical scoring model, so its 31/100 sits on the same scale as every other ZIP in Floyd County, Kentucky and the nation. Every figure is auditable to a public dataset and refreshed as records update; 41631 shows blanks, not estimates, wherever the record is sparse.
41631's score blends several independent layers — foreclosure and mortgage stress, tax and lien delinquency, bank headwind and structural exposure — into one 0–100 number, so understanding the components matters as much as the headline for anyone screening the ZIP. Practically, 41631 works as a screen — verify the reading, drill to the specific parcels driving it, and carry the deal through capital and closing on the platform.
Distress signal breakdown — ZIP 41631
Tax-delinquent parcels, institutional ownership, insurance strain, flood risk, construction lag, price dislocation and auction speed — plus the 0 individual distressed properties come with owner, address, APN, an individual score and an exit read in the complete report.
ZIP 41631 Stress Report snapshot
Live ZIP-level distress, market-phase, housing and bank-pressure read — the same report attached to every property.
Floyd County ZIPs near 41631
Nearest ZIP codes to 41631
By straight-line distance between ZIP centers — the surrounding market, whichever county or state line it crosses.
Keep exploring Kentucky distress
Keep going: ZIP, county and state distress coverage for Floyd County, Kentucky.
Unlock the full ZIP 41631 acquisition report
See who owns each distressed property in 41631, where it is, its APN and score, the bank behind it and how fast it should exit — then open its owner and lender records in one click. Continuously refreshed, nationwide.
No modelling: every input is a public record · methodology