ZIP 04106 Property Distress & Foreclosure Data

ZIP code 04106 in Cumberland County, Maine carries a composite property-distress score of 27/100 — a low reading on DLRadar's deterministic public-record index. What sets it apart are the readings on 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 latent-versus-live split is 61/100 structural and 6/100 already moving. It additionally carries heavy environmental risk: flood (NFIP) exposure (90/100), climate & FEMA risk (82/100).

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

Around 34% of renters are cost-burdened. The ZIP holds roughly 12,860 housing units. At $83,744, median income runs near typical U.S. levels. 60% of housing is owner-occupied. Around 49% of adults hold a bachelor's degree or higher. The typical home is worth about $438,800 (4.8× income). The vacancy rate is 4.6%. The demographic-stress sub-score lands at 31/100. The poverty rate is 6.2% — low. About 26,966 people live here, median age 41.

Net-net, 04106 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.