ZIP 04091 Property Distress & Foreclosure Data

Composite property distress in 04091 (Cumberland County, Maine) lands at 27/100 — low on DLRadar's public-record scoring. Structural exposure scores 61 and live distress 6 on the 0–100 scale. It additionally carries heavy environmental risk: flood (NFIP) exposure (90/100), climate & FEMA risk (82/100). The sharpest non-environmental 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.

The market reads expansion — home values rose 5.2% year on year, at 34/100 phase confidence. Appreciation rarely lifts every parcel — the laggards are the opportunity.

About 751 people live here, median age 49. 87% of housing is owner-occupied. The poverty rate is 5.0% — low. Around 26% of adults hold a bachelor's degree or higher. The typical home is worth about $304,200 (3.0× income, relatively affordable). The demographic-stress sub-score lands at 21/100. There are about 356 housing units across 04091. Rent burden reaches 5% of tenant households. Vacancy runs 13.2%, above the national norm and a classic distress-and-opportunity signal. At $79,500, median income runs near typical U.S. levels.

Net-net, 04091 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.