ZIP 04417 Foreclosure, Tax-Lien & Distress Report

On DLRadar's 0-100 public-record scale, ZIP 04417 in Penobscot County, Maine comes in at 26, a low composite-distress reading. The split runs 57/100 structural to 5/100 active on the ground. Climate and flood risk are elevated too — climate & FEMA risk (79/100). Its heaviest discrete signals: 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).

The contraction-phase market in 04417 posted values that held roughly flat over the year, 2.9% off the recent peak (phase confidence 44/100). Falling values surface more motivated sellers and below-market exits.

Median household income is $42,778, below the U.S. median near $78,000. Owners hold 95% of homes, renters 6%. 23.6% of residents fall below the poverty threshold. About 24% have a four-year degree. Vacancy runs 56.6%, above the national norm and a classic distress-and-opportunity signal. Home values center near $96,300, an affordability ratio of 2.2× — accessible. DLRadar's demographic-stress index for the area reads 29/100. Population is roughly 386 with a median age of 59. The ZIP holds roughly 470 housing units.

Net-net, 04417 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. While 04417 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

No ZIP is too small to score: 04417 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 26/100 composite is a like-for-like number rather than an isolated estimate. Every figure is auditable to a public dataset and refreshed on ingest; 04417 shows blanks, not estimates, wherever the record is sparse.

04417's headline rolls up several separately-scored signals, which is why two ZIPs can share a composite yet face very different distress. The point of the 04417 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.