ZIP 04108 Foreclosure, Tax-Lien & Distress Report
Cumberland County, Maine · High Vacancy market
Cumberland County, Maine's ZIP 04108 registers 24/100 composite distress, which DLRadar reads as low. Property-level stress concentrates in structural risk (54/100), institutional ownership (42/100), mortgage stress (19/100). By contrast, mortgage stress (19/100) and construction/permit lag (12/100) register low. Structural risk reads 54/100 against active distress of 6/100. It additionally carries heavy environmental risk: flood (NFIP) exposure (90/100), climate & FEMA risk (82/100).
The peak-phase market in 04108 posted values that rose 4.2% over the year, and 32% higher over three years (phase confidence 24/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.
Households earn a median $84,120 — near the roughly $78,000 national figure. Around 49% of renters are cost-burdened. Roughly 15.7% live below the poverty line. Around 70% of adults hold a bachelor's degree or higher. 788 residents call 04108 home, typically aged 60. The vacancy rate is 59.7% — elevated. There are about 1,002 housing units across 04108. The typical home is worth about $637,500 (5.8× income). DLRadar's demographic-stress index for the area reads 38/100. Owners hold 87% of homes, renters 13%.
On the whole, 04108 leans distressed, with opportunity clustered in specific stressed parcels. Parcel-level detail for 04108 is not published yet -- the ZIP-level readings above remain fully sourced to public records.
The 04108 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 04108 stays directly comparable to neighboring ZIPs and the rest of Cumberland County, Maine. Sparse data for 04108 shows as blanks, never estimates, and the score updates on every fresh public filing.
04108's score blends several independent layers — foreclosure and mortgage stress, tax and lien delinquency, bank headwind and structural exposure — into one 0–100 number, so understanding the components matters as much as the headline for anyone screening the ZIP. Treat 04108 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.
What is driving ZIP 04108’s distress
Delinquent tax, institutional holdings, insurance strain, flood/NFIP exposure, build-out lag, price dislocation and auction pace — along with the 0 individual distressed properties — each with owner, address, APN, its own distress score and an exit read — are in the full report.
Snapshot: 04108 by the numbers
Current distress, phase, housing and lender-pressure figures for 04108, drawn from the same report attached to each property.
Adjacent Cumberland County ZIP reports
More distress data near 04108
Other reports tied to Cumberland County, Maine — ZIP, county and statewide.
See every distressed parcel in 04108
Every distressed parcel in 04108 comes with owner and address, APN, its own distress score, bank exposure and an exit-velocity read — plus a one-click path to funding and closing, refreshed continuously nationwide.
Deterministic. Every signal traces to a public dataset · methodology