ZIP 03906 Foreclosure, Tax-Lien & Distress Report

ZIP code 03906 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 standout signals are structural risk (64/100), construction/permit lag (47/100), institutional ownership (43/100). On the quiet end sit mortgage stress (21/100). Structurally it carries 64/100, against 6/100 of stress already in motion.

Prices here sit in a peak phase: values rose 4.2% over the trailing year, and 18% higher over three years (phase confidence 24/100). Topping markets hide individual distress behind strong averages.

Vacancy runs 8.5%. Home values center near $432,900, an affordability ratio of 4.0×. The poverty rate is 3.6% — low. Owners hold 85% of homes, renters 15%. DLRadar's demographic-stress index for the area reads 29/100. Households earn a median $95,762 — above the roughly $78,000 national figure. About 5,275 people live here, median age 42. Around 40% of renters are cost-burdened. There are about 2,277 housing units across 03906. Around 29% of adults hold a bachelor's degree or higher.

Net-net, 03906 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. While 03906 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

The 03906 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 03906 stays directly comparable to neighboring ZIPs and the rest of York County, Maine. Nothing here is interpolated — where a source is thin for 03906, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

03906's headline rolls up several separately-scored signals, which is why two ZIPs can share a composite yet face very different distress. For an operator, 03906 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.