ZIP 04051 Foreclosure, Tax-Lien & Distress Report

In Oxford County, Maine, ZIP 04051 scores 25 of 100 for composite distress, a low level on DLRadar's distress index. Latent structural risk is 57/100 while live distress already moving reads 7/100. Its standout signals are construction/permit lag (60/100), structural risk (57/100), institutional ownership (40/100). By contrast, mortgage stress (22/100) register low. Climate and flood risk are elevated too — flood (NFIP) exposure (69/100), climate & FEMA risk (65/100).

The market reads peak — home values rose 2.0% year on year, and 26% higher over three years (phase confidence 40/100). Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

1,291 residents call 04051 home, typically aged 52. Home values center near $295,000, an affordability ratio of 3.7× — accessible. The poverty rate is 12.7%. DLRadar's demographic-stress index for the area reads 34/100. 85% of housing is owner-occupied. The vacancy rate is 57.9% — elevated. Around 41% of renters are cost-burdened. The ZIP holds roughly 1,360 housing units. At $72,308, median income runs near typical U.S. levels. About 33% have a four-year degree.

Net-net, 04051 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. There is no property file for 04051 at the moment; the composite and its components are still built from verifiable records.

Big metro or rural, 04051 runs through one identical scoring model, so its 25/100 sits on the same scale as every other ZIP in Oxford County, Maine and the nation. Nothing here is interpolated — where a source is thin for 04051, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

04051's headline rolls up several separately-scored signals, which is why two ZIPs can share a composite yet face very different distress. For an operator, 04051 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.