ZIP 04274 Foreclosure, Tax-Lien & Distress Report

In Androscoggin County, Maine, ZIP 04274 scores 21 of 100 for composite distress, a low level on DLRadar's public-record index. Its standout signals are structural risk (45/100), institutional ownership (42/100), mortgage stress (16/100). By contrast, mortgage stress (16/100) and construction/permit lag (16/100) register low. The latent-versus-live split is 45/100 structural and 5/100 already moving. It additionally carries heavy environmental risk: flood (NFIP) exposure (63/100), climate & FEMA risk (62/100).

The market reads expansion — home values rose 8.8% year on year, and 24% higher over three years (phase confidence 44/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.

86% of housing is owner-occupied. The poverty rate is 11.9%. Around 50% of renters are cost-burdened. Around 29% of adults hold a bachelor's degree or higher. At $94,625, median income runs above typical U.S. levels. The vacancy rate is 16.1% — elevated. The demographic-stress sub-score lands at 29/100. About 5,920 people live here, median age 40. The ZIP holds roughly 2,995 housing units. The typical home is worth about $283,600 (3.0× income, relatively affordable).

Net-net, 04274 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.