ZIP 04330 Foreclosure, Tax-Lien & Distress Report

ZIP code 04330 in Kennebec County, Maine carries a composite property-distress score of 23/100 — a low reading on DLRadar's deterministic distress index. On the structural side it scores 50/100, with 4/100 of stress already active. The sharpest non-environmental signals are construction/permit lag (51/100), structural risk (50/100), institutional ownership (30/100). On the quiet end sit institutional ownership (30/100) and mortgage stress (14/100). It additionally carries heavy environmental risk: climate & FEMA risk (77/100).

The peak-phase market in 04330 posted values that rose 2.9% over the year, and 25% higher over three years, at 29/100 phase confidence. Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

The ZIP holds roughly 13,342 housing units. The vacancy rate is 7.4%. The tenure split is 64% owner-occupied to 36% rented. At $55,158, median income runs below typical U.S. levels. Home values center near $217,300, an affordability ratio of 3.6× — accessible. The poverty rate is 16.1%. DLRadar's demographic-stress index for the area reads 30/100. Rent burden reaches 31% of tenant households. About 26,517 people live here, median age 44. Around 28% of adults hold a bachelor's degree or higher.

On balance 04330 is mixed, rewarding parcel-by-parcel screening over broad assumptions. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.

The 04330 read uses the identical scoring model applied coast to coast, which means its 23/100 score means exactly what it means anywhere else, and 04330 stays directly comparable to neighboring ZIPs and the rest of Kennebec County, Maine. The score is rebuilt from public data as it updates, so 04330 reflects the current record instead of a stale or modeled snapshot.

The 23/100 figure for 04330 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 04330 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.