ZIP 04238 Property Distress & Foreclosure Data

In Oxford County, Maine, ZIP 04238 scores 22 of 100 for composite distress, a low level on DLRadar's public-record index. Its standout signals are 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. It additionally carries heavy environmental risk: flood (NFIP) exposure (72/100), climate & FEMA risk (65/100). The latent-versus-live split is 49/100 structural and 7/100 already moving.

The market reads expansion — home values rose 6.1% year on year (phase confidence 43/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.

The demographic-stress sub-score lands at 34/100. The poverty rate is 7.1% — low. At $88,011, median income runs above typical U.S. levels. Around 21% of adults hold a bachelor's degree or higher. Around 100% of renters are cost-burdened. The typical home is worth about $242,300 (2.7× income, relatively affordable). The ZIP holds roughly 479 housing units. About 1,175 people live here, median age 43. 94% of housing is owner-occupied. The vacancy rate is 5.3%.

Overall 04238 looks resilient on the surface, so the edge is isolating individual stressed parcels. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.