ZIP 04092 Foreclosure, Tax-Lien & Distress Report
Cumberland County, Maine · Distress market
In Cumberland County, Maine, ZIP 04092 scores 24 of 100 for composite distress, a low level on DLRadar's distress index. The sharpest non-environmental 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)). Latent structural risk is 53/100 while live distress already moving reads 6/100.
The peak-phase market in 04092 posted values that rose 4.2% over the year, and 20% higher over three years (phase confidence 24/100). Near a top, distress surfaces unevenly, so parcel screening beats headline strength.
The vacancy rate is 5.0%. There are about 9,575 housing units across 04092. At $85,868, median income runs near typical U.S. levels. Educational attainment sits at 40% bachelor's-or-above. Rent burden reaches 36% of tenant households. The demographic-stress sub-score lands at 30/100. Roughly 9.1% live below the poverty line. Home values center near $383,300, an affordability ratio of 4.0× — accessible. The tenure split is 64% owner-occupied to 36% rented. About 20,484 people live here, median age 38.
Overall 04092 looks resilient on the surface, so the edge is isolating individual stressed parcels. There is no property file for 04092 at the moment; the composite and its components are still built from verifiable records.
Because one deterministic model scores every ZIP, 04092's 24/100 can be lined up against any neighbor in Cumberland County, Maine or any ZIP coast to coast. Nothing here is interpolated — where a source is thin for 04092, DLRadar leaves it blank rather than guessing, and re-scores as new records post.
04092's headline rolls up several separately-scored signals, which is why two ZIPs can share a composite yet face very different distress. Practically, 04092 works as a screen — verify the reading, drill to the specific parcels driving it, and carry the deal through capital and closing on the platform.
ZIP 04092 distress signals, scored
Tax-delinquent parcels, institutional ownership, insurance strain, flood risk, construction lag, price dislocation and auction speed — plus the 0 individual distressed properties — each with owner, address, APN, its own distress score and an exit read — are in the full report.
ZIP 04092 Stress Report snapshot
Current distress, phase, housing and lender-pressure figures for 04092, drawn from the same report attached to each property.
Other Cumberland County ZIP codes
Nearest ZIP codes to 04092
By straight-line distance between ZIP centers — the surrounding market, whichever county or state line it crosses.
Related reports across Cumberland County, Maine
Additional distress intelligence spanning Cumberland County, Maine by ZIP, county and state.
See every distressed parcel in 04092
Open 04092 parcel by parcel: owner, address, APN, individual distress score, lender exposure, exit-velocity estimate, and owner and lender records in a single click. Updated continuously across the country.
Rules-based scoring — each signal ties to a public dataset · methodology