ZIP 04097 Foreclosure, Tax-Lien & Distress Report

On DLRadar's 0-100 distress scale, ZIP 04097 in Cumberland County, Maine comes in at 24, a low composite-distress reading. Structurally it carries 53/100, against 6/100 of stress already in motion. Environmental exposure also runs high (flood (NFIP) exposure (90/100), climate & FEMA risk (82/100)). What sets it apart are the readings on structural risk (53/100), institutional ownership (44/100), mortgage stress (19/100). By contrast, mortgage stress (19/100) and construction/permit lag (8/100) register low.

The market reads peak — home values rose 4.2% year on year, and 24% higher over three years (phase confidence 24/100). Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

Population is roughly 4,173 with a median age of 48. The tenure split is 87% owner-occupied to 13% rented. Around 19% of renters are cost-burdened. The vacancy rate is 5.9%. The typical home is worth about $496,500 (4.0× income). Households earn a median $119,813 — above the roughly $78,000 national figure. Educational attainment sits at 53% bachelor's-or-above. DLRadar's demographic-stress index for the area reads 24/100. There are about 1,612 housing units across 04097. The poverty rate is 6.3% — low.

On balance, 04097 reads as a higher-equity, stable market where distress is selective and worth pinpointing parcel by parcel. There is no property file for 04097 at the moment; the composite and its components are still built from verifiable records.

Whether 04097 runs hot or quiet, its 24/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 04097 can be compared directly against any other ZIP in Cumberland County, Maine or nationwide. 04097 carries no interpolated values - each figure ties to a public source and refreshes the moment new records land.

The 24/100 figure for 04097 is a composite, not one metric: it rolls up foreclosure and pre-foreclosure activity, mortgage stress, tax delinquency and liens, local lender headwind, and structural risk into a single reading, which is why a ZIP can look calm on price yet score high on distress. For an operator, 04097 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.