ZIP 04039 Property Distress & Foreclosure Data

ZIP code 04039 in Cumberland County, Maine carries a composite property-distress score of 27/100 — a low reading on DLRadar's deterministic public-record index. Climate and flood risk are elevated too — flood (NFIP) exposure (90/100), climate & FEMA risk (82/100). What sets it apart are the readings on 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. Structural risk reads 61/100 against active distress of 6/100.

Prices here sit in a expansion phase: values rose 5.2% over the trailing year, and 17% higher over three years, at 34/100 phase confidence. Even climbing markets leave specific parcels in distress; the scoring isolates them.

A median home runs $357,500 here, or 3.5 times local income. The tenure split is 83% owner-occupied to 17% rented. 8,004 residents call 04039 home, typically aged 43. On demographic stress specifically, 04039 scores 25/100. Vacancy runs 16.3%, above the national norm and a classic distress-and-opportunity signal. There are about 4,139 housing units across 04039. Rent burden reaches 34% of tenant households. Roughly 3.4% live below the poverty line, a low share typical of higher-equity areas. Households earn a median $94,284 — above the roughly $78,000 national figure. About 47% have a four-year degree.

Taken together, 04039 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.