ZIP 04020 Foreclosure, Tax-Lien & Distress Report

On DLRadar's 0-100 public-record scale, ZIP 04020 in York County, Maine comes in at 28, a low composite-distress reading. Structural risk reads 64/100 against active distress of 6/100. The most distinctive pressure shows up in structural risk (64/100), construction/permit lag (47/100), institutional ownership (43/100). By contrast, mortgage stress (21/100) register low. It additionally carries heavy environmental risk: flood (NFIP) exposure (96/100), climate & FEMA risk (83/100).

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

1,948 residents call 04020 home, typically aged 39. A median home runs $274,200 here, or 3.5 times local income. Vacancy runs 13.8%, above the national norm and a classic distress-and-opportunity signal. Owners hold 83% of homes, renters 17%. DLRadar's demographic-stress index for the area reads 31/100. Rent burden reaches 47% of tenant households. The ZIP holds roughly 863 housing units. 5.5% of residents fall below the poverty threshold. At $69,068, median income runs near typical U.S. levels. About 20% have a four-year degree.

Taken together, 04020 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.

The number is not local guesswork: 04020's 28/100 comes from the same nationwide foreclosure, tax, mortgage and lender model, making it directly comparable anywhere. Nothing here is interpolated — where a source is thin for 04020, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

The 28/100 figure for 04020 is a composite, not one metric: it rolls up foreclosure and pre-foreclosure activity, mortgage stress, tax delinquency and liens, local lender headwind, and structural risk into a single reading, which is why a ZIP can look calm on price yet score high on distress. For a buyer, 04020 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.