ZIP 04085 Property Distress & Foreclosure Data

In Cumberland County, Maine, ZIP 04085 scores 27 of 100 for composite distress, a low level on DLRadar's public-record index. Its standout signals are structural risk (61/100), institutional ownership (47/100), construction/permit lag (34/100). By contrast, construction/permit lag (34/100) and mortgage stress (19/100) register low. It additionally carries heavy environmental risk: flood (NFIP) exposure (90/100), climate & FEMA risk (82/100). On the structural side it scores 61/100, with 6/100 of stress already active.

The market reads expansion — home values rose 5.2% year on year, and 18% higher over three years (phase confidence 34/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.

Around 86% of renters are cost-burdened. The poverty rate is 10.4%. About 2,822 people live here, median age 42. The typical home is worth about $288,600 (3.1× income, relatively affordable). At $88,739, median income runs above typical U.S. levels. Around 19% of adults hold a bachelor's degree or higher. The ZIP holds roughly 1,035 housing units. The demographic-stress sub-score lands at 36/100. 86% of housing is owner-occupied. The vacancy rate is 6.7%.

Net-net, 04085 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.