ZIP 04095 Foreclosure, Tax-Lien & Distress Report
York County, Maine · High Vacancy market
In York County, Maine, ZIP 04095 scores 29 of 100 for composite distress, a low level on DLRadar's distress index. The latent-versus-live split is 65/100 structural and 6/100 already moving. Environmental exposure also runs high (flood (NFIP) exposure (95/100), climate & FEMA risk (83/100)). Its heaviest discrete signals: structural risk (65/100), construction/permit lag (48/100), institutional ownership (46/100). 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 29/100 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 as records update; 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 29/100 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.
ZIP 04095 distress signals, scored
Delinquent tax, institutional holdings, insurance strain, flood/NFIP exposure, build-out lag, price dislocation and auction pace — along with the 0 individual distressed properties carry owner, address, APN, a parcel-level score and an exit read in the full DLRadar file.
04095 at a glance
Real-time distress, cycle phase, housing and bank-stress readings for 04095, the same set carried on every parcel.
More ZIPs across York County
Nearest ZIP codes to 04095
By straight-line distance between ZIP centers — the surrounding market, whichever county or state line it crosses.
Related reports across York County, Maine
Related ZIP, county and statewide reads linked to York County, Maine.
Get the full acquisition report for 04095
The full 04095 file lists each distressed parcel with owner, address, APN, per-property score, bank exposure and exit-velocity read, and carries it straight through to owner and lender records. Refreshed continuously.
Built from public records, scored the same way everywhere · methodology