ZIP 04022 Foreclosure, Tax-Lien & Distress Report

DLRadar grades ZIP 04022 (Oxford County, Maine) at a low 25/100 for overall property distress. Latent structural risk is 58/100 while live distress already moving reads 7/100. Its heaviest discrete signals: construction/permit lag (63/100), structural risk (58/100), institutional ownership (38/100). On the quiet end sit institutional ownership (38/100) and mortgage stress (22/100). Climate and flood risk are elevated too — flood (NFIP) exposure (71/100), climate & FEMA risk (65/100).

Prices here sit in a peak phase: values rose 2.0% over the trailing year, and 51% higher over three years (phase confidence 40/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

1,149 residents call 04022 home, typically aged 53. The tenure split is 91% owner-occupied to 9% rented. The typical home is worth about $250,000 (3.6× income, relatively affordable). Around 28% of adults hold a bachelor's degree or higher. The poverty rate is 9.8%. On demographic stress specifically, 04022 scores 33/100. There are about 1,035 housing units across 04022. Around 42% of renters are cost-burdened. The vacancy rate is 53.0% — elevated. Households earn a median $65,938 — below the roughly $78,000 national figure.

Taken together, 04022 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 04022 read uses the identical public-record model applied coast to coast, which means its 25/100 score means exactly what it means anywhere else, and 04022 stays directly comparable to neighboring ZIPs and the rest of Oxford County, Maine. Where the public record is thin for 04022, the field stays empty rather than modeled, and fills in as new documents post.

Each component behind 04022 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 25/100 roll-up. For a buyer, 04022 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.