ZIP 04103 Property Distress & Foreclosure Data

DLRadar grades ZIP 04103 (Cumberland County, Maine) at a low 27/100 for overall property distress. Structural exposure scores 61 and live distress 6 on the 0–100 scale. It additionally carries heavy environmental risk: flood (NFIP) exposure (90/100), climate & FEMA risk (82/100). Property-level stress concentrates in structural risk (61/100), institutional ownership (47/100), construction/permit lag (34/100). By contrast, construction/permit lag (34/100) and mortgage stress (19/100) register low.

The market reads expansion — home values rose 5.2% year on year, and 24% higher over three years, at 34/100 phase confidence. Appreciation rarely lifts every parcel — the laggards are the opportunity.

There are about 14,516 housing units across 04103. Vacancy runs 6.8%. The typical home is worth about $459,500 (4.7× income). Around 58% of adults hold a bachelor's degree or higher. Rent burden reaches 36% of tenant households. The poverty rate is 8.2%. 61% of housing is owner-occupied. The demographic-stress sub-score lands at 30/100. About 31,705 people live here, median age 38. At $90,682, median income runs above typical U.S. levels.

Net-net, 04103 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.