ZIP 04038 Foreclosure, Tax-Lien & Distress Report
Cumberland County, Maine · Distress market
DLRadar grades ZIP 04038 (Cumberland County, Maine) at a low 24/100 for overall property distress. Leading the profile are 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. The split runs 54/100 structural to 6/100 active on the ground. Environmental exposure also runs high (flood (NFIP) exposure (90/100), climate & FEMA risk (82/100)).
The peak-phase market in 04038 posted values that rose 4.2% over the year, and 22% higher over three years, at 24/100 phase confidence. Topping markets hide individual distress behind strong averages.
At $110,181, median income runs above typical U.S. levels. 18,192 residents call 04038 home, typically aged 39. The poverty rate is 3.4% — low. The demographic-stress sub-score lands at 25/100. Around 32% of renters are cost-burdened. There are about 6,834 housing units across 04038. Owners hold 83% of homes, renters 17%. Vacancy runs 3.4%. Around 46% of adults hold a bachelor's degree or higher. The typical home is worth about $460,900 (3.9× income, relatively affordable).
On balance, 04038 reads as a higher-equity, stable market where distress is selective and worth pinpointing parcel by parcel. There is no property file for 04038 at the moment; the composite and its components are still built from verifiable public records.
Whether 04038 runs hot or quiet, its 24/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 04038 can be compared directly against any other ZIP in Cumberland County, Maine or nationwide. Sparse data for 04038 shows as blanks, never estimates, and the score updates on every fresh public filing.
The 24/100 figure for 04038 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. Practically, 04038 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.
What is driving ZIP 04038’s distress
Tax arrears, institutional buyers, insurance load, flood exposure, stalled construction, dislocated pricing and auction velocity — together with the 0 individual distressed properties come with owner, address, APN, an individual score and an exit read in the complete report.
ZIP 04038 Stress Report snapshot
Current distress, phase, housing and lender-pressure figures for 04038, drawn from the same report attached to each property.
Cumberland County ZIPs near 04038
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More ZIP, county and state distress intelligence connected to Cumberland County, Maine.
Open the complete 04038 acquisition file
Every distressed parcel in 04038 comes with owner and address, APN, its own distress score, bank exposure and an exit-velocity read — plus a one-click path to funding and closing, refreshed continuously nationwide.
Each signal above is traceable to an open dataset · methodology