ZIP 04055 Foreclosure, Tax-Lien & Distress Report

DLRadar grades ZIP 04055 (Cumberland County, Maine) at a low 24/100 for overall property distress. Structural risk reads 53/100 against active distress of 6/100. The most distinctive pressure shows up in structural risk (53/100), institutional ownership (44/100), mortgage stress (19/100). On the quiet end sit mortgage stress (19/100) and construction/permit lag (8/100). Environmental exposure also runs high (flood (NFIP) exposure (90/100), climate & FEMA risk (82/100)).

Prices here sit in a peak phase: values rose 4.2% over the trailing year, and 25% higher over three years (phase confidence 24/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

The ZIP holds roughly 3,360 housing units. The tenure split is 89% owner-occupied to 11% rented. Population is roughly 3,949 with a median age of 51. The vacancy rate is 39.3% — elevated. Around 34% of adults hold a bachelor's degree or higher. 10.5% of residents fall below the poverty threshold. At $68,278, median income runs below typical U.S. levels. DLRadar's demographic-stress index for the area reads 35/100. A median home runs $340,100 here, or 3.8 times local income. Rent burden reaches 69% of tenant households.

Net-net, 04055 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. No parcel file is published for 04055 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

Whether 04055 runs hot or quiet, its 24/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 04055 can be compared directly against any other ZIP in Cumberland County, Maine or nationwide. Sparse data for 04055 shows as blanks, never estimates, and the score updates on every fresh public filing.

Each component behind 04055 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 24/100 roll-up. In workflow terms, 04055 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.