ZIP 41631 Foreclosure, Tax-Lien & Distress Report

ZIP code 41631 in Floyd County, Kentucky carries a composite property-distress score of 33/100 — a moderate reading on DLRadar's deterministic public-record index. What sets it apart are the readings on structural risk (73/100), institutional ownership (59/100), construction/permit lag (50/100). Latent structural risk is 73/100 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 (71/100).

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 43/100. 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 public records.

Big metro or rural, 41631 runs through one identical public-record model, so its 33/100 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 on ingest; 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.