ZIP 04103 Foreclosure, Tax-Lien & Distress Report

Composite property distress in 04103 (Cumberland County, Maine) lands at 24/100 — low on DLRadar's distress scoring. Latent structural risk is 53/100 while live distress already moving reads 6/100. Climate and flood risk are elevated too — flood (NFIP) exposure (90/100), climate & FEMA risk (82/100). Its standout signals are structural risk (53/100), institutional ownership (44/100), mortgage stress (19/100). On the quiet end sit mortgage stress (19/100) and construction/permit lag (8/100).

The market reads peak — home values rose 4.2% year on year, and 24% higher over three years, at 24/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

The ZIP holds roughly 14,516 housing units. The vacancy rate is 6.8%. The typical home is worth about $459,500 (4.7× income). Educational attainment sits at 58% bachelor's-or-above. Around 36% of renters are cost-burdened. Roughly 8.2% live below the poverty line. Owners hold 61% of homes, renters 39%. On demographic stress specifically, 04103 scores 30/100. Population is roughly 31,705 with a median age of 38. Median household income is $90,682, above the U.S. median near $78,000.

On balance, 04103 reads as a higher-equity, stable market where distress is selective and worth pinpointing parcel by parcel. 04103 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.

The number is not local guesswork: 04103's 24/100 comes from the same nationwide foreclosure, tax, mortgage and lender model, making it directly comparable anywhere. 04103 carries no interpolated values - each figure ties to a public source and refreshes the moment new records land.

Behind 04103'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. Practically, 04103 works as a screen — verify the reading, drill to the specific parcels driving it, and carry the deal through capital and closing on the platform.