ZIP 04220 Foreclosure, Tax-Lien & Distress Report

Oxford County, Maine's ZIP 04220 registers 25/100 composite distress, which DLRadar reads as low. Environmental exposure also runs high (flood (NFIP) exposure (71/100), climate & FEMA risk (65/100)). Its heaviest discrete signals: construction/permit lag (63/100), structural risk (58/100), institutional ownership (38/100). By contrast, institutional ownership (38/100) and mortgage stress (22/100) register low. The latent-versus-live split is 58/100 structural and 7/100 already moving.

The peak-phase market in 04220 posted values that rose 2.0% over the year, and 24% higher over three years (phase confidence 40/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

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. DLRadar's demographic-stress index for the area reads 21/100. Home values center near $222,000, an affordability ratio of 2.2× — accessible. 5.8% of residents fall below the poverty threshold. 95% of housing is owner-occupied. Around 12% of renters are cost-burdened. About 23% have a four-year degree. Households earn a median $89,036 — above the roughly $78,000 national figure.

Taken together, 04220 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. No parcel file is published for 04220 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

The 04220 read uses the identical public-record model applied coast to coast, which means its 25/100 score means exactly what it means anywhere else, and 04220 stays directly comparable to neighboring ZIPs and the rest of Oxford County, Maine. Nothing here is interpolated — where a source is thin for 04220, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

04220's headline rolls up several separately-scored signals, which is why two ZIPs can share a composite yet face very different distress. Practically, 04220 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.