ZIP 04021 Property Distress & Foreclosure Data

In Cumberland County, Maine, ZIP 04021 scores 27 of 100 for composite distress, a low level on DLRadar's public-record index. Climate and flood risk are elevated too — flood (NFIP) exposure (90/100), climate & FEMA risk (82/100). The latent-versus-live split is 61/100 structural and 6/100 already moving. Its standout signals are structural risk (61/100), institutional ownership (47/100), construction/permit lag (34/100). construction/permit lag (34/100) and mortgage stress (19/100) stay muted.

Prices here sit in a expansion phase: values rose 5.2% over the trailing year, and 27% higher over three years (phase confidence 34/100). Even climbing markets leave specific parcels in distress; the scoring isolates them.

A median home runs $579,000 here, or 3.5 times local income. Roughly 4.8% live below the poverty line, a low share typical of higher-equity areas. On demographic stress specifically, 04021 scores 26/100. About 70% have a four-year degree. Households earn a median $145,833 — above the roughly $78,000 national figure. The tenure split is 93% owner-occupied to 7% rented. Around 60% of renters are cost-burdened. 6,629 residents call 04021 home, typically aged 39. The ZIP holds roughly 2,568 housing units. The vacancy rate is 4.8%.

Overall, 04021 shows a mixed profile — neither uniformly stressed nor insulated — so opportunity is property-specific. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.