ZIP 04102 Property Distress & Foreclosure Data

In Cumberland County, Maine, ZIP 04102 scores 27 of 100 for composite distress, a low level on DLRadar's public-record index. Its standout signals are structural risk (61/100), institutional ownership (47/100), construction/permit lag (34/100). construction/permit lag (34/100) and mortgage stress (19/100) stay muted. Climate and flood risk are elevated too — flood (NFIP) exposure (90/100), climate & FEMA risk (82/100). The latent-versus-live split is 61/100 structural and 6/100 already moving.

Prices here sit in a expansion phase: values rose 5.2% over the trailing year, and 16% higher over three years (phase confidence 34/100). Even climbing markets leave specific parcels in distress; the scoring isolates them.

Around 33% of renters are cost-burdened. Roughly 10.0% live below the poverty line. The ZIP holds roughly 8,746 housing units. On demographic stress specifically, 04102 scores 34/100. Households earn a median $79,631 — near the roughly $78,000 national figure. About 62% have a four-year degree. 17,642 residents call 04102 home, typically aged 37. The tenure split is 50% owner-occupied to 50% rented. A median home runs $503,500 here, or 5.8 times local income. The vacancy rate is 5.7%.

Overall, 04102 shows a mixed profile — neither uniformly stressed nor insulated — so opportunity is property-specific. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.