ZIP 41812 Foreclosure, Tax-Lien & Distress Report
Letcher County, Kentucky · High Vacancy market
DLRadar grades ZIP 41812 (Letcher County, Kentucky) at a low 24/100 for overall property distress. Structural exposure scores 52 and live distress 0 on the 0–100 scale. Climate and flood risk are elevated too — flood (NFIP) exposure (85/100), FEMA disaster exposure (84/100), climate & FEMA risk (61/100). The most distinctive pressure shows up in institutional ownership (64/100), structural risk (52/100).
The expansion-phase market in 41812 posted values that rose 5.3% over the year, at 33/100 phase confidence. Appreciation rarely lifts every parcel — the laggards are the opportunity.
76% of housing is owner-occupied. The demographic-stress sub-score lands at 46/100. About 185 people live here, median age 58. Around 11% of adults hold a bachelor's degree or higher. A median home runs $83,600 here, or 4.0 times local income. The ZIP holds roughly 130 housing units. At $19,444, median income runs below typical U.S. levels. Rent burden reaches 100% of tenant households. The vacancy rate is 14.1% — elevated. 29.2% of residents fall below the poverty threshold.
On the whole, 41812 leans distressed, with opportunity clustered in specific stressed parcels. There is no property file for 41812 at the moment; the composite and its components are still built from verifiable public records.
The number is not local guesswork: 41812's 24/100 comes from the same nationwide foreclosure, tax, mortgage and lender model, making it directly comparable anywhere. Nothing here is interpolated — where a source is thin for 41812, DLRadar leaves it blank rather than guessing, and re-scores as new records post.
The 24/100 figure for 41812 is a composite, not one metric: it rolls up foreclosure and pre-foreclosure activity, mortgage stress, tax delinquency and liens, local lender headwind, and structural risk into a single reading, which is why a ZIP can look calm on price yet score high on distress. For an operator, 41812 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.
Distress signal breakdown — ZIP 41812
Tax arrears, institutional buyers, insurance load, flood exposure, stalled construction, dislocated pricing and auction velocity — together with the 0 individual distressed properties carry owner, address, APN, a parcel-level score and an exit read in the full DLRadar file.
Snapshot: 41812 by the numbers
41812 live: composite distress, market phase, housing detail and lender pressure, identical to the per-property report.
Other Letcher County ZIP codes
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The complete 41812 distress and acquisition report
The full 41812 file lists each distressed parcel with owner, address, APN, per-property score, bank exposure and exit-velocity read, and carries it straight through funding and closing. Refreshed continuously.
Rules-based scoring — each signal ties to a public dataset · methodology