ZIP 03904 Foreclosure, Tax-Lien & Distress Report

ZIP code 03904 in York County, Maine carries a composite property-distress score of 28/100 — a low reading on DLRadar's deterministic public-record index. It additionally carries heavy environmental risk: flood (NFIP) exposure (96/100), climate & FEMA risk (83/100). Its heaviest discrete signals: structural risk (64/100), construction/permit lag (47/100), institutional ownership (43/100). mortgage stress (21/100) stay muted. Structural exposure scores 64 and live distress 6 on the 0–100 scale.

The market reads peak — home values rose 4.2% year on year, and 32% higher over three years (phase confidence 24/100). Topping markets hide individual distress behind strong averages.

About 8,310 people live here, median age 48. Owners hold 62% of homes, renters 38%. Home values center near $448,900, an affordability ratio of 5.6×. About 40% have a four-year degree. At $74,551, median income runs near typical U.S. levels. Around 35% of renters are cost-burdened. The vacancy rate is 7.2%. The ZIP holds roughly 4,411 housing units. DLRadar's demographic-stress index for the area reads 34/100. 9.2% of residents fall below the poverty threshold.

On balance 03904 is mixed, rewarding parcel-by-parcel screening over broad assumptions. No parcel file is published for 03904 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

The 03904 read uses the identical public-record model applied coast to coast, which means its 28/100 score means exactly what it means anywhere else, and 03904 stays directly comparable to neighboring ZIPs and the rest of York County, Maine. Where the public record is thin for 03904, the field stays empty rather than modeled, and fills in as new documents post.

The 28/100 for 03904 sums independent layers - foreclosure, mortgage, tax-lien, lender headwind and structural risk - so the mix behind the number matters as much as the number. Practically, 03904 works as a screen — verify the reading, drill to the specific parcels driving it, and carry the deal through capital and closing on the platform.