ZIP 04110 Foreclosure, Tax-Lien & Distress Report

DLRadar grades ZIP 04110 (Cumberland County, Maine) at a low 24/100 for overall property distress. Structurally it carries 53/100, against 6/100 of stress already in motion. 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 (53/100), institutional ownership (44/100), mortgage stress (19/100). On the quiet end sit mortgage stress (19/100) and construction/permit lag (8/100).

Prices here sit in a peak phase: values rose 4.2% over the trailing year, and 32% higher over three years (phase confidence 24/100). Topping markets hide individual distress behind strong averages.

Owners hold 85% of homes, renters 15%. The vacancy rate is 2.5%. About 1,917 people live here, median age 56. Households earn a median $187,857 — above the roughly $78,000 national figure. A median home runs $923,600 here, or 5.1 times local income. Around 75% of adults hold a bachelor's degree or higher. Roughly 0.2% live below the poverty line, a low share typical of higher-equity areas. The ZIP holds roughly 714 housing units. The demographic-stress sub-score lands at 31/100. Around 69% of renters are cost-burdened.

Broadly, 04110 is a steadier market — the deals are the exceptions, not the rule. 04110 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.

The 04110 read uses the identical scoring model applied coast to coast, which means its 24/100 score means exactly what it means anywhere else, and 04110 stays directly comparable to neighboring ZIPs and the rest of Cumberland County, Maine. Nothing here is interpolated — where a source is thin for 04110, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

04110's headline rolls up several separately-scored signals, which is why two ZIPs can share a composite yet face very different distress. The point of the 04110 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.