ZIP 04015 Foreclosure, Tax-Lien & Distress Report

ZIP code 04015 in Cumberland County, Maine carries a composite property-distress score of 24/100 — a low reading on DLRadar's deterministic public-record index. Structural risk reads 54/100 against active distress of 6/100. The most distinctive pressure shows up in 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). Climate and flood risk are elevated too — flood (NFIP) exposure (90/100), climate & FEMA risk (82/100).

The market reads peak — home values rose 4.2% year on year, and 16% higher over three years (phase confidence 24/100). Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

Owners hold 92% of homes, renters 8%. Home values center near $355,500, an affordability ratio of 4.4×. The poverty rate is 9.9%. On demographic stress specifically, 04015 scores 32/100. The ZIP holds roughly 2,973 housing units. Around 29% of renters are cost-burdened. 3,656 residents call 04015 home, typically aged 52. Households earn a median $64,229 — below the roughly $78,000 national figure. Vacancy runs 44.6%, above the national norm and a classic distress-and-opportunity signal. Around 32% of adults hold a bachelor's degree or higher.

On the whole, 04015 leans distressed, with opportunity clustered in specific stressed parcels. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.

Big metro or rural, 04015 runs through one identical public-record model, so its 24/100 sits on the same scale as every other ZIP in Cumberland County, Maine and the nation. Every figure is auditable to a public dataset and refreshed on ingest; 04015 shows blanks, not estimates, wherever the record is sparse.

The 24/100 for 04015 sums independent layers - foreclosure, mortgage, tax-lien, lender headwind and structural risk - so the mix behind the number matters as much as the number. In workflow terms, 04015 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.