ZIP 04109 Foreclosure, Tax-Lien & Distress Report

Scored purely from public records, 04109 (Cumberland County, Maine) returns a low composite of 24/100. It additionally carries heavy environmental risk: flood (NFIP) exposure (90/100), climate & FEMA risk (82/100). Its heaviest discrete signals: structural risk (54/100), institutional ownership (42/100), construction/permit lag (12/100). By contrast, construction/permit lag (12/100) register low. The split runs 54/100 structural to 0/100 active on the ground.

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

Population is roughly 188 with a median age of 73. Roughly 19.7% live below the poverty line, elevated and often tied to deferred-maintenance inventory. The ZIP holds roughly 348 housing units. Vacancy runs 69.1%, above the national norm and a classic distress-and-opportunity signal. DLRadar's demographic-stress index for the area reads 22/100. The typical home is worth about $755,400. Owners hold 100% of homes, renters 0%. About 88% have a four-year degree.

Net-net, 04109 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. Parcel-level detail for 04109 is not published yet -- the ZIP-level readings above remain fully sourced to public records.

Big metro or rural, 04109 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. Nothing here is interpolated — where a source is thin for 04109, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

Behind 04109's composite sit distinct signals (foreclosure, mortgage, tax-lien, lender and structural), each scored on its own before rolling up, so two ZIPs with the same total can describe very different situations on the ground. Practically, 04109 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.