ZIP 04238 Foreclosure, Tax-Lien & Distress Report

On DLRadar's 0-100 public-record scale, ZIP 04238 in Oxford County, Maine comes in at 25, a low composite-distress reading. Its standout signals are 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. Climate and flood risk are elevated too — flood (NFIP) exposure (71/100), climate & FEMA risk (65/100). On the structural side it scores 58/100, with 7/100 of stress already active.

Prices here sit in a peak phase: values rose 2.0% over the trailing year (phase confidence 40/100). Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

On demographic stress specifically, 04238 scores 34/100. The poverty rate is 7.1% — low. Households earn a median $88,011 — above the roughly $78,000 national figure. About 21% have a four-year degree. Around 100% of renters are cost-burdened. The typical home is worth about $242,300 (2.7× income, relatively affordable). There are about 479 housing units across 04238. About 1,175 people live here, median age 43. The tenure split is 94% owner-occupied to 6% rented. Vacancy runs 5.3%.

Net-net, 04238 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. While 04238 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

Big metro or rural, 04238 runs through one identical public-record model, so its 25/100 sits on the same scale as every other ZIP in Oxford County, Maine and the nation. Where the public record is thin for 04238, the field stays empty rather than modeled, and fills in as new documents post.

The 25/100 figure for 04238 is a composite, not one metric: it rolls up foreclosure and pre-foreclosure activity, mortgage stress, tax delinquency and liens, local lender headwind, and structural risk into a single reading, which is why a ZIP can look calm on price yet score high on distress. The point of the 04238 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.