ZIP 04040 Property Distress & Foreclosure Data

DLRadar grades ZIP 04040 (Cumberland County, Maine) at a low 26/100 for overall property distress. It additionally carries heavy environmental risk: flood (NFIP) exposure (82/100), climate & FEMA risk (75/100). Property-level stress concentrates in structural risk (57/100), institutional ownership (46/100), construction/permit lag (32/100). By contrast, construction/permit lag (32/100) and mortgage stress (20/100) register low. Structural exposure scores 57 and live distress 6 on the 0–100 scale.

The market reads expansion — home values rose 5.6% year on year, and 26% higher over three years, at 38/100 phase confidence. Appreciation rarely lifts every parcel — the laggards are the opportunity.

92% of housing is owner-occupied. The typical home is worth about $256,300 (4.2× income). Rent burden reaches 37% of tenant households. Around 32% of adults hold a bachelor's degree or higher. About 2,963 people live here, median age 56. Vacancy runs 34.2%, above the national norm and a classic distress-and-opportunity signal. The poverty rate is 17.3% — high, a tax-stress and distress correlate. At $58,267, median income runs below typical U.S. levels. There are about 2,113 housing units across 04040. The demographic-stress sub-score lands at 33/100.

Net-net, 04040 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.