ZIP 04354 Foreclosure, Tax-Lien & Distress Report

On DLRadar's 0-100 public-record scale, ZIP 04354 in Waldo County, Maine comes in at 25, a low composite-distress reading. Climate and flood risk are elevated too — flood (NFIP) exposure (88/100). What sets it apart are the readings on construction/permit lag (65/100), structural risk (57/100), institutional ownership (47/100). On the quiet end sit mortgage stress (23/100). Structurally it carries 57/100, against 7/100 of stress already in motion.

The peak-phase market in 04354 posted values that rose 2.0% over the year, and 54% higher over three years, at 40/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

Population is roughly 1,420 with a median age of 44. The typical home is worth about $259,700 (2.9× income, relatively affordable). At $92,344, median income runs above typical U.S. levels. Vacancy runs 36.8%, above the national norm and a classic distress-and-opportunity signal. There are about 994 housing units across 04354. Around 18% of renters are cost-burdened. Roughly 4.2% live below the poverty line, a low share typical of higher-equity areas. On demographic stress specifically, 04354 scores 24/100. Owners hold 94% of homes, renters 6%. Educational attainment sits at 33% bachelor's-or-above.

Taken together, 04354 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. There is no property file for 04354 at the moment; the composite and its components are still built from verifiable public records.

Because one deterministic model scores every ZIP, 04354's 25/100 can be lined up against any neighbor in Waldo County, Maine or any ZIP coast to coast. The score is rebuilt from public data as it updates, so 04354 reflects the current record instead of a stale or modeled snapshot.

The 25/100 figure for 04354 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 a buyer, 04354 is one row in a larger workflow: confirm the score, pull the distressed parcels behind it, then move from signal to funded, closed acquisition through DLRadar.