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Sometimes it could be that you built something else close to the house or close to where the now-homeless person is, either directly blocking the way, or making the ground change elevation and become unroutable because the new building flattened the area weirdly. That usually happens when you're building as close to the river or to a mountain as possible.
Could also be that people are on the other side of the river and a tree is starting to grow in front of the bridge, not clearly visible yet but already blocking the way (always put at least 1 square of road on each side of bridges to avoid that).
With some mods that add dock, your people can bring materials and go build dock pieces by walking under the water, but as soon as the dock piece is built, they get stuck on it if there's no valid path back to the shore, so always build docks from the land towards the water, and with a road square where the dock reaches the ground to keep people from getting stuck on the water.
You also have some rare buggy maps where people will walk to the edge of the map to cross a stream because there's a square there that's not correctly flagged as unroutable. Once they're on the other side of the stream they'll no longer see a valid path back home and will become homeless and usually starve/freeze.
Lastly, I hope you are using the most recent version of One Year is One Year. The old one altered other things than just the aging speed. It tweaked the distance that would be considered as a valid one to go look for a job. That part of the mod got broken in the last Banished patch, so it's led to odd situations where people suddenly become jobless or homeless not because the job or house had vanished, but because they had walked "too far".
So I definitely agree, it's pathing!
I guess it might be a pathing problem, but it has happened in urban areas with stone roads everywhere anyone would go, and the homeless people are in town. Also, it mostly seems to happen to parents with children- often single parents, but at 150 adults, it's more or less impossible to figure out if they are single single, or simply split from their mate, as happens when there is too much housing. I'm pretty sure that in three cases there must have been a living mate who was not homeless, because nobody had died yet in the game.
What's confusing is that the situation often fixes itself, with no new housing built, nothing changed on the map.
As for One Year- I do believe I have the latest version. In any case, nobody in my game is ever very far from home, I've learned that lesson a long time ago, and I always test bridges right away to make sure people won't get stuck.