ZIP 41812 Property Distress & Foreclosure Data

ZIP code 41812 in Letcher County, Kentucky carries a composite property-distress score of 24/100 — a low reading on DLRadar's deterministic public-record index. Structural exposure scores 53 and live distress 0 on the 0–100 scale. Climate and flood risk are elevated too — FEMA disaster exposure (88/100), flood (NFIP) exposure (85/100), climate & FEMA risk (61/100). What sets it apart are the readings on institutional ownership (66/100), structural risk (53/100).

Prices here sit in a peak phase: values rose 4.7% over the trailing year, at 33/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

Owners hold 76% of homes, renters 24%. DLRadar's demographic-stress index for the area reads 46/100. 185 residents call 41812 home, typically aged 58. Educational attainment sits at 11% bachelor's-or-above. Home values center near $83,600, an affordability ratio of 4.0× — accessible. There are about 130 housing units across 41812. Median household income is $19,444, below the U.S. median near $78,000. Rent burden reaches 100% of tenant households. Vacancy runs 14.1%, above the national norm and a classic distress-and-opportunity signal. 29.2% of residents fall below the poverty threshold.

Taken together, 41812 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.