ZIP 04401 Foreclosure, Tax-Lien & Distress Report

In Penobscot County, Maine, ZIP 04401 scores 25 of 100 for composite distress, a low level on DLRadar's distress index. It additionally carries heavy environmental risk: climate & FEMA risk (79/100). Latent structural risk is 56/100 while live distress already moving reads 5/100. The pressure is most legible in structural risk (56/100), construction/permit lag (54/100), institutional ownership (36/100). institutional ownership (36/100) and mortgage stress (17/100) stay muted.

The market reads contraction — home values held roughly flat year on year, 2.9% off the recent peak, and 25% higher over three years, at 44/100 phase confidence. Falling values surface more motivated sellers and below-market exits.

Owners hold 55% of homes, renters 45%. Roughly 11.8% live below the poverty line. About 44,418 people live here, median age 41. Rent burden reaches 36% of tenant households. Households earn a median $66,136 — below the roughly $78,000 national figure. Educational attainment sits at 37% bachelor's-or-above. A median home runs $239,900 here, or 3.5 times local income. The vacancy rate is 8.8%. The demographic-stress sub-score lands at 30/100. The ZIP holds roughly 21,613 housing units.

Net-net, 04401 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. No parcel file is published for 04401 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

Whether 04401 runs hot or quiet, its 25/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 04401 can be compared directly against any other ZIP in Penobscot County, Maine or nationwide. Every figure is auditable to a public dataset and refreshed as records update; 04401 shows blanks, not estimates, wherever the record is sparse.

04401'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 a buyer, 04401 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.