ZIP 41645 Foreclosure, Tax-Lien & Distress Report

DLRadar grades ZIP 41645 (Floyd County, Kentucky) at a moderate 33/100 for overall property distress. It additionally carries heavy environmental risk: flood (NFIP) exposure (94/100), climate & FEMA risk (93/100), FEMA disaster exposure (71/100). Its heaviest discrete signals: structural risk (73/100), institutional ownership (59/100), construction/permit lag (50/100). mortgage stress (25/100) stay muted. On the structural side it scores 73/100, with 8/100 of stress already active.

The market reads peak — home values rose 4.4% year on year, at 22/100 phase confidence. Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

1,137 residents call 41645 home, typically aged 46. The ZIP holds roughly 614 housing units. Home values center near $91,500, an affordability ratio of 1.2× — accessible. Around 0% of renters are cost-burdened. 83% of housing is owner-occupied. The vacancy rate is 29.8% — elevated. Educational attainment sits at 32% bachelor's-or-above. DLRadar's demographic-stress index for the area reads 16/100. Households earn a median $80,357 — near the roughly $78,000 national figure. Roughly 2.3% live below the poverty line, a low share typical of higher-equity areas.

Taken together, 41645 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. 41645 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.

The 41645 read uses the identical public-record model applied coast to coast, which means its 33/100 score means exactly what it means anywhere else, and 41645 stays directly comparable to neighboring ZIPs and the rest of Floyd County, Kentucky. Sparse data for 41645 shows as blanks, never estimates, and the score updates on every fresh public filing.

41645's headline rolls up several separately-scored signals, which is why two ZIPs can share a composite yet face very different distress. For a buyer, 41645 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.