ZIP 04076 Foreclosure, Tax-Lien & Distress Report

In York County, Maine, ZIP 04076 scores 30 of 100 for composite distress, a moderate level on DLRadar's public-record index. It additionally carries heavy environmental risk: flood (NFIP) exposure (96/100), climate & FEMA risk (83/100). The latent-versus-live split is 67/100 structural and 6/100 already moving. Its standout signals are structural risk (67/100), construction/permit lag (54/100), institutional ownership (48/100). By contrast, mortgage stress (21/100) register low.

The market reads expansion — home values rose 5.2% year on year, and 32% higher over three years (phase confidence 34/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.

The demographic-stress sub-score lands at 31/100. Around 39% of renters are cost-burdened. At $87,560, median income runs above typical U.S. levels. 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. 96% of housing is owner-occupied. About 2,954 people live here, median age 45. The poverty rate is 6.0% — low. The typical home is worth about $356,000 (3.7× income, relatively affordable).

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.