ZIP 04412 Property Distress & Foreclosure Data

ZIP code 04412 in Penobscot County, Maine carries a composite property-distress score of 25/100 — a low reading on DLRadar's deterministic public-record index. What sets it apart are the readings on structural risk (56/100), construction/permit lag (43/100), institutional ownership (40/100). By contrast, mortgage stress (17/100) register low. It additionally carries heavy environmental risk: climate & FEMA risk (79/100). On the structural side it scores 56/100, with 5/100 of stress already active.

The market reads peak — home values rose 2.4% year on year, 1.3% off the recent peak, and 20% higher over three years (phase confidence 56/100). Topping markets hide individual distress behind strong averages.

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. The ZIP holds roughly 4,402 housing units. Around 31% of adults hold a bachelor's degree or higher. The typical home is worth about $245,300 (4.2× income). 56% of housing is owner-occupied. The demographic-stress sub-score lands at 34/100. Around 41% of renters are cost-burdened. The vacancy rate is 2.7%.

Net-net, 04412 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.