ZIP 04021 Foreclosure, Tax-Lien & Distress Report
Cumberland County, Maine · Distress market
Scored purely from public records, 04021 (Cumberland County, Maine) returns a low composite of 24/100. Environmental exposure also runs high (flood (NFIP) exposure (90/100), climate & FEMA risk (82/100)). Latent structural risk is 54/100 while live distress already moving reads 6/100. Property-level stress concentrates in 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.
Prices here sit in a peak phase: values rose 4.2% over the trailing year, and 27% higher over three years, at 24/100 phase confidence. Near a top, distress surfaces unevenly, so parcel screening beats headline strength.
A median home runs $579,000 here, or 3.5 times local income. 4.8% of residents fall below the poverty threshold. DLRadar's demographic-stress index for the area reads 26/100. Educational attainment sits at 70% bachelor's-or-above. Households earn a median $145,833 — above the roughly $78,000 national figure. The tenure split is 93% owner-occupied to 7% rented. Rent burden reaches 60% of tenant households. Population is roughly 6,629 with a median age of 39. The ZIP holds roughly 2,568 housing units. The vacancy rate is 4.8%.
Overall 04021 looks resilient on the surface, so the edge is isolating individual stressed parcels. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.
Because one deterministic model scores every ZIP, 04021's 24/100 can be lined up against any neighbor in Cumberland County, Maine or any ZIP coast to coast. The score is rebuilt from public data as it updates, so 04021 reflects the current record instead of a stale or modeled snapshot.
The 24/100 figure for 04021 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 an operator, 04021 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.
Signal-by-signal read on 04021
Tax arrears, institutional buyers, insurance load, flood exposure, stalled construction, dislocated pricing and auction velocity — together with the 0 individual distressed properties — each with owner, address, APN, its own distress score and an exit read — are in the full report.
The 04021 distress snapshot
Current distress, phase, housing and lender-pressure figures for 04021, drawn from the same report attached to each property.
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Built from public records, scored the same way everywhere · methodology