ZIP 04107 Foreclosure, Tax-Lien & Distress Report

ZIP code 04107 in Cumberland County, Maine carries a composite property-distress score of 24/100 — a low reading on DLRadar's deterministic public-record index. On the structural side it scores 54/100, with 6/100 of stress already active. Climate and flood risk are elevated too — flood (NFIP) exposure (90/100), climate & FEMA risk (82/100). The most distinctive pressure shows up in 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).

The market reads peak — home values rose 4.2% year on year, and 27% higher over three years (phase confidence 24/100). Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

There are about 3,994 housing units across 04107. The tenure split is 89% owner-occupied to 11% rented. A median home runs $729,800 here, or 4.5 times local income. About 77% have a four-year degree. Roughly 4.2% live below the poverty line, a low share typical of higher-equity areas. At $145,464, median income runs above typical U.S. levels. 9,581 residents call 04107 home, typically aged 50. Around 26% of renters are cost-burdened. The vacancy rate is 5.2%. On demographic stress specifically, 04107 scores 23/100.

On balance, 04107 reads as a higher-equity, stable market where distress is selective and worth pinpointing parcel by parcel. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.

The 04107 read uses the identical public-record model applied coast to coast, which means its 24/100 score means exactly what it means anywhere else, and 04107 stays directly comparable to neighboring ZIPs and the rest of Cumberland County, Maine. Sparse data for 04107 shows as blanks, never estimates, and the score updates on every fresh public filing.

The 24/100 for 04107 sums independent layers - foreclosure, mortgage, tax-lien, lender headwind and structural risk - so the mix behind the number matters as much as the number. For a buyer, 04107 is one row in a larger workflow: confirm the score, pull the distressed parcels behind it, then move from signal to funded, closed acquisition through DLRadar.