ZIP 04039 Foreclosure, Tax-Lien & Distress Report

Composite property distress in 04039 (Cumberland County, Maine) lands at 24/100 — low on DLRadar's public-record scoring. Climate and flood risk are elevated too — flood (NFIP) exposure (90/100), climate & FEMA risk (82/100). Leading the profile are structural risk (54/100), institutional ownership (42/100), mortgage stress (19/100). mortgage stress (19/100) and construction/permit lag (12/100) stay muted. Structurally it carries 54/100, against 6/100 of stress already in motion.

The market reads peak — home values rose 4.2% year on year, and 17% higher over three years (phase confidence 24/100). Topping markets hide individual distress behind strong averages.

A median home runs $357,500 here, or 3.5 times local income. Owners hold 83% of homes, renters 17%. Population is roughly 8,004 with a median age of 43. On demographic stress specifically, 04039 scores 25/100. The vacancy rate is 16.3% — elevated. There are about 4,139 housing units across 04039. Around 34% of renters are cost-burdened. Roughly 3.4% live below the poverty line, a low share typical of higher-equity areas. Median household income is $94,284, above the U.S. median near $78,000. Educational attainment sits at 47% bachelor's-or-above.

Taken together, 04039 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. There is no property file for 04039 at the moment; the composite and its components are still built from verifiable public records.

The number is not local guesswork: 04039's 24/100 comes from the same nationwide foreclosure, tax, mortgage and lender model, making it directly comparable anywhere. Every figure is auditable to a public dataset and refreshed on ingest; 04039 shows blanks, not estimates, wherever the record is sparse.

The 24/100 for 04039 sums independent layers - foreclosure, mortgage, tax-lien, lender headwind and structural risk - so the mix behind the number matters as much as the number. For a buyer, 04039 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.