Waldo County, ME Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Waldo County, ME distress report, 2026: 18 ZIPs scored in Waldo, ME, Waldo, ME average 25/100; the top Waldo, ME ZIP is 04354 at 25/100; Waldo, ME market phase peak, Waldo, ME prices +2.0% year over year.
- Waldo, ME ranks #724 nationally (opportunity index); Waldo, ME #4 in Maine; Waldo, ME index 32.3.
- Waldo, ME: no CFPB county sample; Waldo, ME non-metro area reading 1.1%.
- Waldo, ME ZIP phases: 18 peak.
- Waldo, ME residential listings tracked: 22 across 18 ZIPs; Waldo, ME candidate listings 15.
- Waldo, ME HUD assisted properties: 2 with 38 units.
- Waldo, ME lenders on watch: 3; largest Waldo, ME footprint Bangor Savings Bank (4 branches).
- Waldo, ME most distressed ZIP: 04354 at 25/100.
Waldo, ME figures: DLRadar distress index; Waldo, ME inputs: CFPB, FHFA, HUD, FDIC; Waldo, ME rebuilt as sources refresh.
| Rank | Waldo, ME ZIP | Score |
|---|---|---|
| 1 | 04354 | 25/100 |
| 2 | 04438 | 25/100 |
| 3 | 04496 | 25/100 |
| 4 | 04848 | 25/100 |
| 5 | 04849 | 25/100 |
| 6 | 04915 | 25/100 |
| 7 | 04921 | 25/100 |
| 8 | 04922 | 25/100 |
| 9 | 04941 | 25/100 |
| 10 | 04949 | 25/100 |
| 11 | 04951 | 25/100 |
| 12 | 04952 | 25/100 |
Most distressed Waldo, ME ZIPs (0-100, 2026)
Mortgage delinquency around Waldo, ME
No CFPB county sample covers Waldo, ME; the non-metro area reading for Waldo, ME: 1.1% ninety-plus; Waldo, ME area thirty-to-eighty-nine 2.1% (December 2025, Waldo, ME); Maine overall 0.9%.
Opportunity index: Waldo, ME
Waldo, ME index 32.3, Waldo, ME phase early_signal; Waldo, ME primary driver vacancy, Waldo, ME second driver construction. Waldo, ME components: property stress 27.9, foreclosure pressure 26.9, listing discounts 25.6, bank stress 48.7, insurance 0.0; Waldo, ME pulse 36.5; Waldo, ME capital opportunity 26.1; Waldo, ME seven-day change +0.4%.
ZIP market phases inside Waldo, ME
18 Waldo, ME ZIPs carry a price-cycle phase; Waldo, ME ZIPs by phase (Waldo, ME), deepest drawdown first: peak, +2.0% YoY, 0.7% off peak (Waldo, ME): 04354, 04438, 04496, 04848, Waldo, ME 04849, 04915, 04921, 04922, Waldo, ME 04941, 04949, 04951, 04952, Waldo, ME 04973, 04974, 04981, 04986.
Residential listings by Waldo, ME ZIP
Waldo, ME ZIPs with the most tracked Waldo, ME residential listings: 04915 3 listings, 3 candidates, bank pressure 73; 04949 3 listings, 3 candidates, bank pressure 73; 04496 2 listings, 2 candidates, bank pressure 73; 04922 2 listings, 0 candidates, bank pressure 73 (Waldo, ME); 04941 2 listings, 0 candidates, bank pressure 73; 04973 2 listings, 2 candidates, bank pressure 73; 04987 2 listings, 2 candidates, bank pressure 73; 04354 1 listings, 1 candidates, bank pressure 73. Waldo, ME totals: 22 listings; Waldo, ME candidates 15; active ZIPs 4.
HUD assisted housing in Waldo, ME
2 assisted properties with 38 units sit in Waldo, ME; largest Waldo, ME properties: Edward J. Reynolds House (Belfast) 33 units, 32 assisted; Waldo Avenue Apartments (Belfast) 5 units, 5 assisted.
Lenders with branches in Waldo, ME
Waldo, ME lenders by branch count: Bangor Savings Bank (Waldo, ME): stress 94, 4 branches low in Waldo, ME; Camden National Bank (Waldo, ME): stress 61, 2 branches low in Waldo, ME; First National Bank (Waldo, ME): stress 72, 1 branch low in Waldo, ME.
Vacancy and permits, Waldo, ME
4,782 of 22,252 Waldo, ME housing units are vacant; Waldo, ME permits, twelve months: 3 multifamily units in Waldo, ME, 142 one-to-four unit units.
Work Waldo, ME at the parcel level
Every Waldo, ME parcel carries owner and address; every Waldo, ME parcel carries APN; Waldo, ME distress scores sit on the Waldo, ME live board.
Waldo, ME figures refresh with each source.
Waldo, ME questions
Most distressed ZIP code in Waldo County, ME?
ZIP 04354 leads Waldo, ME at 25/100; next in Waldo, ME: 04438 at 25/100; the Waldo, ME average is 25/100.
Where does Waldo County, ME rank for investment opportunity?
Waldo, ME is #724 among all ranked counties, #4 in Maine; the Waldo, ME driver is vacancy; Waldo, ME moved up 142 places.
How many mortgages are delinquent in Waldo County, ME?
Waldo, ME takes the non-metro area reading of 1.1% for December 2025; no CFPB county sample covers Waldo, ME.
Which banks lend in Waldo County, ME?
3 watched lenders hold Waldo, ME branches; the largest Waldo, ME footprints are Bangor Savings Bank (4), Camden National Bank (2), First National Bank (1).
More on Waldo, ME
Waldo County, ME distress report: public-record figures for Waldo, ME; not legal advice for Waldo, ME; not tax or investment advice; verify every Waldo, ME record before acting.