ZIP 04221 Property Distress & Foreclosure Data

Composite property distress in 04221 (Oxford County, Maine) lands at 22/100 — low on DLRadar's public-record scoring. Environmental exposure also runs high (flood (NFIP) exposure (72/100), climate & FEMA risk (65/100)). On the structural side it scores 49/100, with 7/100 of stress already active. The sharpest non-environmental signals are structural risk (49/100), institutional ownership (44/100), mortgage stress (22/100). On the quiet end sit mortgage stress (22/100) and construction/permit lag (21/100).

The expansion-phase market in 04221 posted values that rose 6.1% over the year (phase confidence 43/100). Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.

DLRadar's demographic-stress index for the area reads 33/100. 9.1% of residents fall below the poverty threshold. Population is roughly 1,072 with a median age of 42. The ZIP holds roughly 448 housing units. Owners hold 82% of homes, renters 18%. Educational attainment sits at 27% bachelor's-or-above. Median household income is $67,656, below the U.S. median near $78,000. Home values center near $165,000, an affordability ratio of 2.9× — accessible. Around 62% of renters are cost-burdened. The vacancy rate is 24.5% — elevated.

On the whole, 04221 leans distressed, with opportunity clustered in specific stressed parcels. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.