ZIP 04097 Property Distress & Foreclosure Data

Cumberland County, Maine's ZIP 04097 registers 27/100 composite distress, which DLRadar reads as low. Structural risk reads 61/100 against active distress of 6/100. It additionally carries heavy environmental risk: flood (NFIP) exposure (90/100), climate & FEMA risk (82/100). The most distinctive pressure shows up in structural risk (61/100), institutional ownership (47/100), construction/permit lag (34/100). By contrast, construction/permit lag (34/100) and mortgage stress (19/100) register low.

The market reads expansion — home values rose 5.2% year on year, and 24% higher over three years, at 34/100 phase confidence. Appreciation rarely lifts every parcel — the laggards are the opportunity.

About 4,173 people live here, median age 48. 87% of housing is owner-occupied. Rent burden reaches 19% of tenant households. Vacancy runs 5.9%. The typical home is worth about $496,500 (4.0× income). At $119,813, median income runs above typical U.S. levels. Around 53% of adults hold a bachelor's degree or higher. The demographic-stress sub-score lands at 24/100. There are about 1,612 housing units across 04097. The poverty rate is 6.3% — low.

Net-net, 04097 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.