ZIP 04220 Property Distress & Foreclosure Data

DLRadar grades ZIP 04220 (Oxford County, Maine) at a low 22/100 for overall property distress. It additionally carries heavy environmental risk: flood (NFIP) exposure (72/100), climate & FEMA risk (65/100). Property-level stress concentrates in structural risk (49/100), institutional ownership (44/100), mortgage stress (22/100). By contrast, mortgage stress (22/100) and construction/permit lag (21/100) register low. Structural exposure scores 49 and live distress 7 on the 0–100 scale.

The market reads expansion — home values rose 6.1% year on year, and 24% higher over three years, at 43/100 phase confidence. Appreciation rarely lifts every parcel — the laggards are the opportunity.

Vacancy runs 20.9%, above the national norm and a classic distress-and-opportunity signal. There are about 1,713 housing units across 04220. About 3,815 people live here, median age 40. The demographic-stress sub-score lands at 21/100. The typical home is worth about $222,000 (2.2× income, relatively affordable). The poverty rate is 5.8% — low. 95% of housing is owner-occupied. Rent burden reaches 12% of tenant households. Around 23% of adults hold a bachelor's degree or higher. At $89,036, median income runs above typical U.S. levels.

Net-net, 04220 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.