ZIP 04102 Foreclosure, Tax-Lien & Distress Report

ZIP 04102's composite property-distress score is 24/100 - DLRadar classes that as low for Cumberland County, Maine. The pressure is most legible in structural risk (54/100), institutional ownership (42/100), mortgage stress (19/100). mortgage stress (19/100) and construction/permit lag (12/100) stay muted. Climate and flood risk are elevated too — flood (NFIP) exposure (90/100), climate & FEMA risk (82/100). Structural risk reads 54/100 against active distress of 6/100.

Prices here sit in a peak phase: values rose 4.2% over the trailing year, and 16% higher over three years (phase confidence 24/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

Rent burden reaches 33% of tenant households. 10.0% of residents fall below the poverty threshold. The ZIP holds roughly 8,746 housing units. DLRadar's demographic-stress index for the area reads 34/100. At $79,631, median income runs near typical U.S. levels. About 62% have a four-year degree. About 17,642 people live here, median age 37. Owners hold 50% of homes, renters 50%. Home values center near $503,500, an affordability ratio of 5.8×. Vacancy runs 5.7%.

Overall 04102 looks resilient on the surface, so the edge is isolating individual stressed parcels. 04102 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.

The 04102 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 04102 stays directly comparable to neighboring ZIPs and the rest of Cumberland County, Maine. Nothing here is interpolated — where a source is thin for 04102, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

Behind 04102's composite sit distinct signals (foreclosure, mortgage, tax-lien, lender and structural), each scored on its own before rolling up, so two ZIPs with the same total can describe very different situations on the ground. The point of the 04102 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.