ZIP 04032 Foreclosure, Tax-Lien & Distress Report

Composite property distress in 04032 (Cumberland County, Maine) lands at 24/100 — low on DLRadar's distress scoring. Its heaviest discrete signals: structural risk (53/100), institutional ownership (44/100), mortgage stress (19/100). By contrast, mortgage stress (19/100) and construction/permit lag (8/100) register low. Structurally it carries 53/100, against 6/100 of stress already in motion. Environmental exposure also runs high (flood (NFIP) exposure (90/100), climate & FEMA risk (82/100)).

The market reads peak — home values rose 4.2% year on year, and 26% higher over three years (phase confidence 24/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

Households earn a median $108,864 — above the roughly $78,000 national figure. Roughly 7.0% live below the poverty line, a low share typical of higher-equity areas. Home values center near $508,400, an affordability ratio of 4.1×. The vacancy rate is 13.7% — elevated. There are about 4,249 housing units across 04032. Owners hold 77% of homes, renters 23%. Around 57% of adults hold a bachelor's degree or higher. On demographic stress specifically, 04032 scores 30/100. Around 52% of renters are cost-burdened. Population is roughly 8,736 with a median age of 45.

Net-net, 04032 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. Parcel-level detail for 04032 is not published yet -- the ZIP-level readings above remain fully sourced.

The 04032 read uses the identical scoring model applied coast to coast, which means its 24/100 score means exactly what it means anywhere else, and 04032 stays directly comparable to neighboring ZIPs and the rest of Cumberland County, Maine. Sparse data for 04032 shows as blanks, never estimates, and the score updates on every fresh public filing.

The 24/100 for 04032 sums independent layers - foreclosure, mortgage, tax-lien, lender headwind and structural risk - so the mix behind the number matters as much as the number. Practically, 04032 works as a screen — verify the reading, drill to the specific parcels driving it, and carry the deal through capital and closing on the platform.