ZIP 04040 Foreclosure, Tax-Lien & Distress Report

Composite property distress in 04040 (Cumberland County, Maine) lands at 24/100 — low on DLRadar's public-record scoring. Environmental exposure also runs high (flood (NFIP) exposure (82/100), climate & FEMA risk (75/100)). Its standout signals are structural risk (52/100), institutional ownership (40/100), construction/permit lag (21/100). construction/permit lag (21/100) and mortgage stress (20/100) stay muted. Structural risk reads 52/100 against active distress of 6/100.

Prices here sit in a peak phase: values rose 3.2% over the trailing year, and 26% higher over three years, at 31/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

Owners hold 92% of homes, renters 8%. A median home runs $256,300 here, or 4.2 times local income. Around 37% of renters are cost-burdened. About 32% have a four-year degree. Population is roughly 2,963 with a median age of 56. The vacancy rate is 34.2% — elevated. 17.3% of residents fall below the poverty threshold. Households earn a median $58,267 — below the roughly $78,000 national figure. The ZIP holds roughly 2,113 housing units. DLRadar's demographic-stress index for the area reads 33/100.

On the whole, 04040 leans distressed, with opportunity clustered in specific stressed parcels. Parcel-level detail for 04040 is not published yet -- the ZIP-level readings above remain fully sourced to public records.

Big metro or rural, 04040 runs through one identical public-record model, so its 24/100 sits on the same scale as every other ZIP in Cumberland County, Maine and the nation. Where the public record is thin for 04040, the field stays empty rather than modeled, and fills in as new documents post.

The 24/100 figure for 04040 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. For an operator, 04040 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.