ZIP 04076 Foreclosure, Tax-Lien & Distress Report

On DLRadar's 0-100 distress scale, ZIP 04076 in York County, Maine comes in at 29, a low composite-distress reading. Climate and flood risk are elevated too — flood (NFIP) exposure (95/100), climate & FEMA risk (83/100). The latent-versus-live split is 65/100 structural and 6/100 already moving. Its heaviest discrete signals: structural risk (65/100), construction/permit lag (48/100), institutional ownership (46/100). On the quiet end sit mortgage stress (21/100).

Prices here sit in a peak phase: values rose 4.2% over the trailing year, and 32% higher over three years (phase confidence 24/100). Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

On demographic stress specifically, 04076 scores 31/100. Rent burden reaches 39% of tenant households. Households earn a median $87,560 — above the roughly $78,000 national figure. Around 25% of adults hold a bachelor's degree or higher. The ZIP holds roughly 2,067 housing units. The vacancy rate is 45.4% — elevated. Owners hold 96% of homes, renters 4%. 2,954 residents call 04076 home, typically aged 45. Roughly 6.0% live below the poverty line, a low share typical of higher-equity areas. A median home runs $356,000 here, or 3.7 times local income.

Net-net, 04076 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.

No ZIP is too small to score: 04076 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 29/100 composite is a like-for-like number rather than an isolated estimate. Nothing here is interpolated — where a source is thin for 04076, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

04076's score blends several independent layers — foreclosure and mortgage stress, tax and lien delinquency, bank headwind and structural exposure — into one 0–100 number, so understanding the components matters as much as the headline for anyone screening the ZIP. The point of the 04076 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.