ZIP 04345 Foreclosure, Tax-Lien & Distress Report

Composite property distress in 04345 (Kennebec County, Maine) lands at 22/100 — low on DLRadar's public-record scoring. The split runs 48/100 structural to 4/100 active on the ground. It additionally carries heavy environmental risk: climate & FEMA risk (77/100). What sets it apart are the readings on construction/permit lag (49/100), structural risk (48/100), institutional ownership (27/100). institutional ownership (27/100) and mortgage stress (14/100) stay muted.

The market reads peak — home values rose 2.9% year on year, and 17% higher over three years (phase confidence 29/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

The tenure split is 78% owner-occupied to 22% rented. There are about 5,538 housing units across 04345. A median home runs $242,800 here, or 3.0 times local income. Rent burden reaches 48% of tenant households. About 12,363 people live here, median age 45. About 29% have a four-year degree. The vacancy rate is 8.0%. Median household income is $68,844, near the U.S. median near $78,000. DLRadar's demographic-stress index for the area reads 28/100. The poverty rate is 8.2%.

Net-net, 04345 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. Parcel-level detail for 04345 is not published yet -- the ZIP-level readings above remain fully sourced to public records.

Big metro or rural, 04345 runs through one identical public-record model, so its 22/100 sits on the same scale as every other ZIP in Kennebec County, Maine and the nation. Nothing here is interpolated — where a source is thin for 04345, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

04345'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. Treat 04345 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.