ZIP 04292 Foreclosure, Tax-Lien & Distress Report

In Oxford County, Maine, ZIP 04292 scores 25 of 100 for composite distress, a low level on DLRadar's public-record index. It additionally carries heavy environmental risk: flood (NFIP) exposure (71/100), climate & FEMA risk (65/100). Latent structural risk is 58/100 while live distress already moving reads 7/100. Its heaviest discrete signals: construction/permit lag (63/100), structural risk (58/100), institutional ownership (38/100). On the quiet end sit institutional ownership (38/100) and mortgage stress (22/100).

The peak-phase market in 04292 posted values that rose 2.0% over the year, at 40/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

The ZIP holds roughly 579 housing units. A median home runs $150,000 here, or 3.0 times local income. Around 29% of renters are cost-burdened. Population is roughly 996 with a median age of 48. Vacancy runs 30.6%, above the national norm and a classic distress-and-opportunity signal. Educational attainment sits at 22% bachelor's-or-above. The poverty rate is 5.1% — low. On demographic stress specifically, 04292 scores 27/100. Households earn a median $51,250 — below the roughly $78,000 national figure. 92% of housing is owner-occupied.

On the whole, 04292 leans distressed, with opportunity clustered in specific stressed parcels. Parcel-level detail for 04292 is not published yet -- the ZIP-level readings above remain fully sourced to public records.

No ZIP is too small to score: 04292 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 25/100 composite is a like-for-like number rather than an isolated estimate. Nothing here is interpolated — where a source is thin for 04292, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

The 25/100 figure for 04292 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. For an operator, 04292 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.