ZIP 04085 Foreclosure, Tax-Lien & Distress Report

ZIP code 04085 in Cumberland County, Maine carries a composite property-distress score of 24/100 — a low reading on DLRadar's deterministic public-record index. Its standout signals are structural risk (54/100), institutional ownership (42/100), mortgage stress (19/100). By contrast, mortgage stress (19/100) and construction/permit lag (12/100) register low. Environmental exposure also runs high (flood (NFIP) exposure (90/100), climate & FEMA risk (82/100)). The latent-versus-live split is 54/100 structural and 6/100 already moving.

The market reads peak — home values rose 4.2% year on year, and 18% higher over three years (phase confidence 24/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

Rent burden reaches 86% of tenant households. 10.4% of residents fall below the poverty threshold. Population is roughly 2,822 with a median age of 42. Home values center near $288,600, an affordability ratio of 3.1× — accessible. Households earn a median $88,739 — above the roughly $78,000 national figure. About 19% have a four-year degree. The ZIP holds roughly 1,035 housing units. On demographic stress specifically, 04085 scores 36/100. 86% of housing is owner-occupied. Vacancy runs 6.7%.

Broadly, 04085 is a steadier market — the deals are the exceptions, not the rule. While 04085 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

Because one deterministic model scores every ZIP, 04085's 24/100 can be lined up against any neighbor in Cumberland County, Maine or any ZIP coast to coast. Every figure is auditable to a public dataset and refreshed on ingest; 04085 shows blanks, not estimates, wherever the record is sparse.

04085'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. For a buyer, 04085 is one row in a larger workflow: confirm the score, pull the distressed parcels behind it, then move from signal to funded, closed acquisition through DLRadar.