ZIP 04009 Foreclosure, Tax-Lien & Distress Report

On DLRadar's 0-100 public-record scale, ZIP 04009 in Cumberland County, Maine comes in at 24, a low composite-distress reading. Climate and flood risk are elevated too — flood (NFIP) exposure (90/100), climate & FEMA risk (82/100). Structurally it carries 54/100, against 6/100 of stress already in motion. The sharpest non-environmental signals are structural risk (54/100), institutional ownership (42/100), mortgage stress (19/100). On the quiet end sit mortgage stress (19/100) and construction/permit lag (12/100).

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). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

At $86,386, median income runs near typical U.S. levels. Owners hold 84% of homes, renters 16%. Vacancy runs 50.1%, above the national norm and a classic distress-and-opportunity signal. About 32% have a four-year degree. 14.9% of residents fall below the poverty threshold. About 5,357 people live here, median age 51. Around 15% of renters are cost-burdened. The demographic-stress sub-score lands at 29/100. The ZIP holds roughly 4,605 housing units. A median home runs $317,100 here, or 3.3 times local income.

Net-net, 04009 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. Parcel-level detail for 04009 is not published yet -- the ZIP-level readings above remain fully sourced to public records.

Whether 04009 runs hot or quiet, its 24/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 04009 can be compared directly against any other ZIP in Cumberland County, Maine or nationwide. Where the public record is thin for 04009, the field stays empty rather than modeled, and fills in as new documents post.

Behind 04009'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. The point of the 04009 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.