ZIP 04095 Foreclosure, Tax-Lien & Distress Report

In York County, Maine, ZIP 04095 scores 28 of 100 for composite distress, a low level on DLRadar's public-record index. The latent-versus-live split is 64/100 structural and 6/100 already moving. Environmental exposure also runs high (flood (NFIP) exposure (96/100), climate & FEMA risk (83/100)). Its heaviest discrete signals: structural risk (64/100), construction/permit lag (47/100), institutional ownership (43/100). By contrast, mortgage stress (21/100) register low.

Prices here sit in a peak phase: values rose 4.2% over the trailing year, and 38% higher over three years (phase confidence 24/100). Topping markets hide individual distress behind strong averages.

The tenure split is 98% owner-occupied to 2% rented. The ZIP holds roughly 1,089 housing units. About 1,382 people live here, median age 49. Educational attainment sits at 19% bachelor's-or-above. Vacancy runs 42.5%, above the national norm and a classic distress-and-opportunity signal. Rent burden reaches 0% of tenant households. The typical home is worth about $319,000 (5.1× income). Median household income is $57,188, below the U.S. median near $78,000. The poverty rate is 9.5%. On demographic stress specifically, 04095 scores 30/100.

Taken together, 04095 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. While 04095 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

The number is not local guesswork: 04095's 28/100 comes from the same nationwide foreclosure, tax, mortgage and lender model, making it directly comparable anywhere. Every figure is auditable to a public dataset and refreshed on ingest; 04095 shows blanks, not estimates, wherever the record is sparse.

Each component behind 04095 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 28/100 roll-up. The point of the 04095 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.