ZIP 04101 Property Distress & Foreclosure Data

ZIP code 04101 in Cumberland County, Maine carries a composite property-distress score of 27/100 — a low reading on DLRadar's deterministic public-record index. Structural risk reads 61/100 against active distress of 6/100. 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 (61/100), institutional ownership (47/100), construction/permit lag (34/100). On the quiet end sit construction/permit lag (34/100) and mortgage stress (19/100).

The expansion-phase market in 04101 posted values that rose 5.2% over the year, and 15% higher over three years, at 34/100 phase confidence. Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.

Population is roughly 18,128 with a median age of 36. Home values center near $617,600, an affordability ratio of 9.9× — stretched. Rent burden reaches 40% of tenant households. There are about 11,818 housing units across 04101. 17.5% of residents fall below the poverty threshold. Median household income is $60,726, below the U.S. median near $78,000. Vacancy runs 10.3%. DLRadar's demographic-stress index for the area reads 52/100. Owners hold 23% of homes, renters 77%. Educational attainment sits at 57% bachelor's-or-above.

On balance 04101 is mixed, rewarding parcel-by-parcel screening over broad assumptions. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.