ZIP 04281 Foreclosure, Tax-Lien & Distress Report

On DLRadar's 0-100 public-record scale, ZIP 04281 in Oxford County, Maine comes in at 25, a low composite-distress reading. The sharpest non-environmental 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. On the structural side it scores 58/100, with 7/100 of stress already active. It additionally carries heavy environmental risk: flood (NFIP) exposure (71/100), climate & FEMA risk (65/100).

Prices here sit in a peak phase: values rose 2.0% over the trailing year, and 12% higher over three years, at 40/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

The demographic-stress sub-score lands at 32/100. Home values center near $240,400, an affordability ratio of 2.8× — accessible. Roughly 17.5% live below the poverty line, elevated and often tied to deferred-maintenance inventory. Rent burden reaches 47% of tenant households. 5,268 residents call 04281 home, typically aged 46. About 21% have a four-year degree. Households earn a median $68,197 — below the roughly $78,000 national figure. There are about 2,746 housing units across 04281. The tenure split is 66% owner-occupied to 34% rented. The vacancy rate is 14.0% — elevated.

Net-net, 04281 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. While 04281 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

Big metro or rural, 04281 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. Sparse data for 04281 shows as blanks, never estimates, and the score updates on every fresh public filing.

04281's score blends several independent layers — foreclosure and mortgage stress, tax and lien delinquency, bank headwind and structural exposure — into one 0–100 number, so understanding the components matters as much as the headline for anyone screening the ZIP. For an operator, 04281 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.