ZIP 04091 Foreclosure, Tax-Lien & Distress Report

Cumberland County, Maine's ZIP 04091 registers 24/100 composite distress, which DLRadar reads as low. Structurally it carries 54/100, against 6/100 of stress already in motion. Environmental exposure also runs high (flood (NFIP) exposure (90/100), climate & FEMA risk (82/100)). Its standout signals are structural risk (54/100), institutional ownership (42/100), mortgage stress (19/100). On the quiet end sit mortgage stress (19/100) and construction/permit lag (12/100).

The peak-phase market in 04091 posted values that rose 4.2% over the year (phase confidence 24/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

Population is roughly 751 with a median age of 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. Home values center near $304,200, an affordability ratio of 3.0× — accessible. The demographic-stress sub-score lands at 21/100. The ZIP holds roughly 356 housing units. Rent burden reaches 5% of tenant households. Vacancy runs 13.2%, above the national norm and a classic distress-and-opportunity signal. Median household income is $79,500, near the U.S. median near $78,000.

Net-net, 04091 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. Parcel-level detail for 04091 is not published yet -- the ZIP-level readings above remain fully sourced to public records.

Big metro or rural, 04091 runs through one identical public-record model, so its 24/100 sits on the same scale as every other ZIP in Cumberland County, Maine and the nation. 04091 carries no interpolated values - each figure ties to a public source and refreshes the moment new records land.

04091's headline rolls up several separately-scored signals, which is why two ZIPs can share a composite yet face very different distress. For a buyer, 04091 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.