ZIP 04084 Foreclosure, Tax-Lien & Distress Report

Scored on a fixed 0-100 scale, 04084 (Cumberland County, Maine) returns a low composite of 24/100. The latent-versus-live split is 53/100 structural and 6/100 already moving. Its standout signals are structural risk (53/100), institutional ownership (44/100), mortgage stress (19/100). mortgage stress (19/100) and construction/permit lag (8/100) stay muted. Environmental exposure also runs high (flood (NFIP) exposure (90/100), climate & FEMA risk (82/100)).

The market reads peak — home values rose 4.2% year on year, and 30% higher over three years, at 24/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

There are about 3,890 housing units across 04084. 6.8% of residents fall below the poverty threshold. Home values center near $351,200, an affordability ratio of 3.3× — accessible. Around 38% of adults hold a bachelor's degree or higher. The tenure split is 92% owner-occupied to 8% rented. Rent burden reaches 53% of tenant households. 7,695 residents call 04084 home, typically aged 40. The demographic-stress sub-score lands at 29/100. Vacancy runs 26.7%, above the national norm and a classic distress-and-opportunity signal. Households earn a median $103,086 — above the roughly $78,000 national figure.

Net-net, 04084 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. While 04084 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

Big metro or rural, 04084 runs through one identical scoring model, so its 24/100 sits on the same scale as every other ZIP in Cumberland County, Maine and the nation. The score is rebuilt from public data as it updates, so 04084 reflects the current record instead of a stale or modeled snapshot.

The 24/100 for 04084 sums independent layers - foreclosure, mortgage, tax-lien, lender headwind and structural risk - so the mix behind the number matters as much as the number. Treat 04084 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.