ZIP 04106 Foreclosure, Tax-Lien & Distress Report

In Cumberland County, Maine, ZIP 04106 scores 24 of 100 for composite distress, a low level on DLRadar's public-record index. Its heaviest discrete signals: structural risk (54/100), institutional ownership (42/100), mortgage stress (19/100). On the quiet end sit mortgage stress (19/100) and construction/permit lag (12/100). Structural exposure scores 54 and live distress 6 on the 0–100 scale. Climate and flood risk are elevated too — flood (NFIP) exposure (90/100), climate & FEMA risk (82/100).

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

Rent burden reaches 34% of tenant households. 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. Educational attainment sits at 49% bachelor's-or-above. A median home runs $438,800 here, or 4.8 times local income. The vacancy rate is 4.6%. DLRadar's demographic-stress index for the area reads 31/100. 6.2% of residents fall below the poverty threshold. 26,966 residents call 04106 home, typically aged 41.

Overall 04106 looks resilient on the surface, so the edge is isolating individual stressed parcels. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.

No ZIP is too small to score: 04106 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 24/100 composite is a like-for-like number rather than an isolated estimate. Every figure is auditable to a public dataset and refreshed on ingest; 04106 shows blanks, not estimates, wherever the record is sparse.

The 24/100 figure for 04106 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. Practically, 04106 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.