ZIP 03905 Foreclosure, Tax-Lien & Distress Report

ZIP code 03905 in York County, Maine carries a composite property-distress score of 28/100 — a low reading on DLRadar's deterministic distress index. Its standout signals are structural risk (64/100), construction/permit lag (48/100), institutional ownership (45/100). By contrast, mortgage stress (21/100) register low. Structurally it carries 64/100, against 6/100 of stress already in motion. Environmental exposure also runs high (flood (NFIP) exposure (95/100), climate & FEMA risk (83/100)).

Prices here sit in a peak phase: values rose 4.2% over the trailing year, and 36% higher over three years (phase confidence 24/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

There are about 1,123 housing units across 03905. Around 20% of renters are cost-burdened. Vacancy runs 19.2%, above the national norm and a classic distress-and-opportunity signal. About 67% have a four-year degree. 88% of housing is owner-occupied. The demographic-stress sub-score lands at 20/100. Roughly 1.4% live below the poverty line, a low share typical of higher-equity areas. About 1,970 people live here, median age 53. At $138,519, median income runs above typical U.S. levels. A median home runs $541,100 here, or 3.5 times local income.

Taken together, 03905 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. 03905 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.

Whether 03905 runs hot or quiet, its 28/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 03905 can be compared directly against any other ZIP in York County, Maine or nationwide. 03905 carries no interpolated values - each figure ties to a public source and refreshes the moment new records land.

Behind 03905's composite sit distinct signals (foreclosure, mortgage, tax-lien, lender and structural), each scored on its own before rolling up, so two ZIPs with the same total can describe very different situations on the ground. For a buyer, 03905 is one row in a larger workflow: confirm the score, pull the distressed parcels behind it, then move from signal to funded, closed acquisition through DLRadar.