ZIP 41650 Foreclosure, Tax-Lien & Distress Report

In Floyd County, Kentucky, ZIP 41650 scores 33 of 100 for composite distress, a moderate level on DLRadar's public-record index. The split runs 73/100 structural to 8/100 active on the ground. Its heaviest discrete signals: structural risk (73/100), institutional ownership (59/100), construction/permit lag (50/100). mortgage stress (25/100) stay muted. It additionally carries heavy environmental risk: flood (NFIP) exposure (94/100), climate & FEMA risk (93/100), FEMA disaster exposure (71/100).

The peak-phase market in 41650 posted values that rose 4.4% over the year (phase confidence 22/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

549 residents call 41650 home, typically aged 39. Around 9% of adults hold a bachelor's degree or higher. Vacancy runs 42.0%, above the national norm and a classic distress-and-opportunity signal. Median household income is $23,871, below the U.S. median near $78,000. Home values center near $90,600, an affordability ratio of 3.6× — accessible. Roughly 37.7% live below the poverty line, elevated and often tied to deferred-maintenance inventory. Owners hold 63% of homes, renters 37%. The ZIP holds roughly 386 housing units. Rent burden reaches 100% of tenant households. The demographic-stress sub-score lands at 51/100.

Taken together, 41650 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.

The 41650 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 41650 stays directly comparable to neighboring ZIPs and the rest of Floyd County, Kentucky. Every figure is auditable to a public dataset and refreshed on ingest; 41650 shows blanks, not estimates, wherever the record is sparse.

41650'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, 41650 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.