ZIP 04412 Foreclosure, Tax-Lien & Distress Report

Penobscot County, Maine's ZIP 04412 registers 26/100 composite distress, which DLRadar reads as low. The most distinctive pressure shows up in construction/permit lag (57/100), structural risk (57/100), institutional ownership (35/100). On the quiet end sit institutional ownership (35/100) and mortgage stress (17/100). Environmental exposure also runs high (climate & FEMA risk (79/100)). Structural risk reads 57/100 against active distress of 5/100.

Prices here sit in a contraction phase: values held roughly flat over the trailing year, 2.9% off the recent peak, and 20% higher over three years, at 44/100 phase confidence. A cooling market tends to open discount-to-value windows.

At $51,490, median income runs below typical U.S. levels. The poverty rate is 17.2% — high, a tax-stress and distress correlate. About 9,654 people live here, median age 41. There are about 4,402 housing units across 04412. About 31% have a four-year degree. Home values center near $245,300, an affordability ratio of 4.2×. The tenure split is 56% owner-occupied to 44% rented. On demographic stress specifically, 04412 scores 34/100. Around 41% of renters are cost-burdened. The vacancy rate is 2.7%.

Taken together, 04412 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. No parcel file is published for 04412 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

The 04412 read uses the identical public-record model applied coast to coast, which means its 26/100 score means exactly what it means anywhere else, and 04412 stays directly comparable to neighboring ZIPs and the rest of Penobscot County, Maine. Where the public record is thin for 04412, the field stays empty rather than modeled, and fills in as new documents post.

Behind 04412's composite sit distinct signals (foreclosure, mortgage, tax-lien, lender and structural), each scored on its own before rolling up, so two ZIPs with the same total can describe very different situations on the ground. The point of the 04412 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.