ZIP 04096 Foreclosure, Tax-Lien & Distress Report

ZIP code 04096 in Cumberland County, Maine carries a composite property-distress score of 24/100 — a low reading on DLRadar's deterministic public-record index. What sets it apart are the readings on structural risk (54/100), institutional ownership (42/100), mortgage stress (19/100). By contrast, mortgage stress (19/100) and construction/permit lag (12/100) register low. Latent structural risk is 54/100 while live distress already moving reads 6/100. It additionally carries heavy environmental risk: flood (NFIP) exposure (90/100), climate & FEMA risk (82/100).

The peak-phase market in 04096 posted values that rose 4.2% over the year, and 31% higher over three years (phase confidence 24/100). Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

The poverty rate is 9.1%. Rent burden reaches 28% of tenant households. The ZIP holds roughly 3,639 housing units. A median home runs $639,700 here, or 5.3 times local income. 9,006 residents call 04096 home, typically aged 41. On demographic stress specifically, 04096 scores 28/100. About 69% have a four-year degree. Vacancy runs 4.3%. At $107,911, median income runs above typical U.S. levels. The tenure split is 77% owner-occupied to 23% rented.

On balance, 04096 reads as a higher-equity, stable market where distress is selective and worth pinpointing parcel by parcel. Parcel-level detail for 04096 is not published yet -- the ZIP-level readings above remain fully sourced to public records.

The 04096 read uses the identical public-record model applied coast to coast, which means its 24/100 score means exactly what it means anywhere else, and 04096 stays directly comparable to neighboring ZIPs and the rest of Cumberland County, Maine. Every figure is auditable to a public dataset and refreshed on ingest; 04096 shows blanks, not estimates, wherever the record is sparse.

Each component behind 04096 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 24/100 roll-up. In workflow terms, 04096 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.