ZIP 04011 Foreclosure, Tax-Lien & Distress Report

ZIP 04011's composite property-distress score is 24/100 - DLRadar classes that as low for Cumberland County, Maine. It additionally carries heavy environmental risk: flood (NFIP) exposure (90/100), climate & FEMA risk (82/100). Its standout signals are structural risk (54/100), institutional ownership (42/100), mortgage stress (19/100). By contrast, mortgage stress (19/100) and construction/permit lag (12/100) register low. Latent structural risk is 54/100 while live distress already moving reads 6/100.

The market reads peak — home values rose 4.2% year on year, and 24% higher over three years, at 24/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

Vacancy runs 7.3%. DLRadar's demographic-stress index for the area reads 31/100. A median home runs $376,300 here, or 4.6 times local income. Around 52% of adults hold a bachelor's degree or higher. The ZIP holds roughly 9,523 housing units. Median household income is $74,102, near the U.S. median near $78,000. Owners hold 74% of homes, renters 26%. Around 46% of renters are cost-burdened. About 22,081 people live here, median age 40. The poverty rate is 6.5% — low.

Net-net, 04011 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. Parcel-level detail for 04011 is not published yet -- the ZIP-level readings above remain fully sourced to public records.

Whether 04011 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 04011 can be compared directly against any other ZIP in Cumberland County, Maine or nationwide. Where the public record is thin for 04011, the field stays empty rather than modeled, and fills in as new documents post.

04011's score blends several independent layers — foreclosure and mortgage stress, tax and lien delinquency, bank headwind and structural exposure — into one 0–100 number, so understanding the components matters as much as the headline for anyone screening the ZIP. The point of the 04011 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.