ZIP 04105 Foreclosure, Tax-Lien & Distress Report

DLRadar grades ZIP 04105 (Cumberland County, Maine) at a low 24/100 for overall property distress. Latent structural risk is 54/100 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). Leading the profile are structural risk (54/100), institutional ownership (42/100), mortgage stress (19/100). mortgage stress (19/100) and construction/permit lag (12/100) stay muted.

Prices here sit in a peak phase: values rose 4.2% over the trailing year, and 21% higher over three years, at 24/100 phase confidence. Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

The vacancy rate is 6.1%. At $131,833, median income runs above typical U.S. levels. About 12,557 people live here, median age 48. Owners hold 85% of homes, renters 15%. About 71% have a four-year degree. There are about 5,283 housing units across 04105. Home values center near $767,500, an affordability ratio of 5.1×. 2.8% of residents fall below the poverty threshold. DLRadar's demographic-stress index for the area reads 27/100. Rent burden reaches 35% of tenant households.

Broadly, 04105 is a steadier market — the deals are the exceptions, not the rule. No parcel file is published for 04105 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

Big metro or rural, 04105 runs through one identical public-record model, so its 24/100 sits on the same scale as every other ZIP in Cumberland County, Maine and the nation. Where the public record is thin for 04105, the field stays empty rather than modeled, and fills in as new documents post.

The 24/100 figure for 04105 is a composite, not one metric: it rolls up foreclosure and pre-foreclosure activity, mortgage stress, tax delinquency and liens, local lender headwind, and structural risk into a single reading, which is why a ZIP can look calm on price yet score high on distress. The point of the 04105 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.