ZIP 04401 Property Distress & Foreclosure Data

Composite property distress in 04401 (Penobscot County, Maine) lands at 25/100 — low on DLRadar's public-record scoring. Environmental exposure also runs high (climate & FEMA risk (79/100)). On the structural side it scores 56/100, with 5/100 of stress already active. The sharpest non-environmental signals are structural risk (56/100), construction/permit lag (43/100), institutional ownership (40/100). On the quiet end sit mortgage stress (17/100).

The peak-phase market in 04401 posted values that rose 2.4% over the year, 1.3% off the recent peak, and 25% higher over three years (phase confidence 56/100). Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

Owners hold 55% of homes, renters 45%. 11.8% of residents fall below the poverty threshold. Population is roughly 44,418 with a median age of 41. Around 36% of renters are cost-burdened. Median household income is $66,136, below the U.S. median near $78,000. Educational attainment sits at 37% bachelor's-or-above. Home values center near $239,900, an affordability ratio of 3.5× — accessible. The vacancy rate is 8.8%. DLRadar's demographic-stress index for the area reads 30/100. The ZIP holds roughly 21,613 housing units.

On balance 04401 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.