Kennebec County, ME Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Kennebec County, ME distress report, 2026: 27 ZIPs scored in Kennebec, ME, Kennebec, ME average 23/100; the top Kennebec, ME ZIP is 04988 at 24/100; Kennebec, ME market phase peak, Kennebec, ME prices +2.9% year over year.
- Kennebec, ME ranks #2,610 nationally (opportunity index); Kennebec, ME #15 in Maine; Kennebec, ME index 25.3.
- Kennebec, ME ninety-day mortgage delinquency 0.7% in December 2025; Kennebec, ME twelve-month change 0.0%.
- Kennebec, ME ZIP phases: 27 peak.
- Kennebec, ME residential listings tracked: 21 across 26 ZIPs; Kennebec, ME candidate listings 14.
- Kennebec, ME HUD assisted properties: 8 with 358 units.
- Kennebec, ME lenders on watch: 6; largest Kennebec, ME footprint Camden National Bank (11 branches).
- Kennebec, ME most distressed ZIP: 04988 at 24/100.
Kennebec, ME figures: DLRadar distress index; Kennebec, ME inputs: CFPB, FHFA, HUD, FDIC; Kennebec, ME rebuilt as sources refresh.
| Rank | Kennebec, ME ZIP | Score |
|---|---|---|
| 1 | 04988 | 24/100 |
| 2 | 04259 | 23/100 |
| 3 | 04265 | 23/100 |
| 4 | 04284 | 23/100 |
| 5 | 04330 | 23/100 |
| 6 | 04344 | 23/100 |
| 7 | 04345 | 23/100 |
| 8 | 04346 | 23/100 |
| 9 | 04347 | 23/100 |
| 10 | 04349 | 23/100 |
| 11 | 04350 | 23/100 |
| 12 | 04351 | 23/100 |
Most distressed Kennebec, ME ZIPs (0-100, 2026)
Mortgage delinquency in Kennebec, ME
0.7% of Kennebec, ME mortgages were ninety-plus days late (Kennebec, ME, December 2025); Kennebec, ME thirty-to-eighty-nine days late: 2.4%; Kennebec, ME twelve-month change 0.0%; Kennebec, ME peak since 2008: 4.5% (January 2010); Maine overall 0.9%. Kennebec, ME ninety-day series: Dec 24 0.7, Jan 25 1.0, Feb 25 0.7 (Kennebec, ME), Mar 25 0.7, Apr 25 0.7, May 25 0.6 (Kennebec, ME), Jun 25 0.8, Jul 25 1.0, Aug 25 0.9 (Kennebec, ME), Sep 25 0.4, Oct 25 0.3, Nov 25 0.6 (Kennebec, ME), Dec 25 0.7.
Opportunity index: Kennebec, ME
Kennebec, ME index 25.3, Kennebec, ME phase weak; Kennebec, ME primary driver vacancy, Kennebec, ME second driver bank institutional. Kennebec, ME components: property stress 18.0, foreclosure pressure 17.4, listing discounts 11.4, bank stress 52.5, insurance 0.0; Kennebec, ME pulse 30.4; Kennebec, ME capital opportunity 17.7; Kennebec, ME seven-day change +0.3%.
ZIP market phases inside Kennebec, ME
27 Kennebec, ME ZIPs carry a price-cycle phase; Kennebec, ME ZIPs by phase (Kennebec, ME), deepest drawdown first: peak, +2.2% YoY, 0.6% off peak (Kennebec, ME): 04988; peak, +2.9% YoY (Kennebec, ME): 04259, 04265, 04284, 04330, Kennebec, ME 04344, 04345, 04346, 04347, Kennebec, ME 04349, 04350, 04351, 04352, Kennebec, ME 04355, 04358, 04359.
Residential listings by Kennebec, ME ZIP
Kennebec, ME ZIPs with the most tracked Kennebec, ME residential listings: 04346 4 listings, 1 candidates, bank pressure 58; 04330 3 listings, 3 candidates, bank pressure 58; 04345 3 listings, 2 candidates, bank pressure 58; 04901 3 listings, 2 candidates, bank pressure 58 (Kennebec, ME); 04910 2 listings, 2 candidates, bank pressure 58; 04963 2 listings, 1 candidates, bank pressure 58; 04259 1 listings, 0 candidates, bank pressure 58; 04344 1 listings, 1 candidates, bank pressure 58. Kennebec, ME totals: 21 listings; Kennebec, ME candidates 14; active ZIPs 1.
HUD assisted housing in Kennebec, ME
8 assisted properties with 358 units sit in Kennebec, ME; largest Kennebec, ME properties: Seton Village (Waterville) 140 units, 140 assisted; Chateau Cushnoc (Augusta) 60 units, 60 assisted; Margaret Chase Smith House (Augusta) 45 units, 44 assisted in Kennebec, ME; St. Francis Apartments (Waterville) 40 units, 40 assisted; John Marvin Tower (Augusta) 32 units, 32 assisted; Roncalli Apartments (Augusta) 30 units, 30 assisted.
Lenders with branches in Kennebec, ME
Kennebec, ME lenders by branch count: Camden National Bank (Kennebec, ME): stress 61, 11 branches low in Kennebec, ME; Kennebec Savings Bank (Kennebec, ME): stress 51, 6 branches low in Kennebec, ME; Bangor Savings Bank (Kennebec, ME): stress 94, 4 branches low in Kennebec, ME; Bar Harbor Bank&Trust (Kennebec, ME): stress 53, 2 branches low in Kennebec, ME; Skowhegan Savings Bank (Kennebec, ME): stress 43, 1 branch low in Kennebec, ME; Northeast Bank (Kennebec, ME): stress 35, 1 branch low in Kennebec, ME.
Vacancy and permits, Kennebec, ME
9,209 of 63,521 Kennebec, ME housing units are vacant; Kennebec, ME permits, twelve months: 61 multifamily units in Kennebec, ME, 416 one-to-four unit units.
Work Kennebec, ME at the parcel level
Every Kennebec, ME parcel carries owner and address; every Kennebec, ME parcel carries APN; Kennebec, ME distress scores sit on the Kennebec, ME live board.
Kennebec, ME figures refresh with each source.
Kennebec, ME questions
Most distressed ZIP code in Kennebec County, ME?
ZIP 04988 leads Kennebec, ME at 24/100; next in Kennebec, ME: 04259 at 23/100; the Kennebec, ME average is 23/100.
Where does Kennebec County, ME rank for investment opportunity?
Kennebec, ME is #2,610 among all ranked counties, #15 in Maine; the Kennebec, ME driver is vacancy; Kennebec, ME moved down 369 places.
How many mortgages are delinquent in Kennebec County, ME?
0.7% of Kennebec, ME mortgages were ninety-plus days late in December 2025; the Kennebec, ME peak since 2008 was 4.5%.
Which banks lend in Kennebec County, ME?
6 watched lenders hold Kennebec, ME branches; the largest Kennebec, ME footprints are Camden National Bank (11), Kennebec Savings Bank (6), Bangor Savings Bank (4).
More on Kennebec, ME
Kennebec County, ME distress report: public-record figures for Kennebec, ME; not legal advice for Kennebec, ME; not tax or investment advice; verify every Kennebec, ME record before acting.