ZIP 04419 Foreclosure, Tax-Lien & Distress Report

DLRadar grades ZIP 04419 (Penobscot County, Maine) at a low 26/100 for overall property distress. Latent structural risk is 57/100 while live distress already moving reads 5/100. Climate and flood risk are elevated too — climate & FEMA risk (79/100). The pressure is most legible in construction/permit lag (57/100), structural risk (57/100), institutional ownership (35/100). institutional ownership (35/100) and mortgage stress (17/100) stay muted.

Prices here sit in a contraction phase: values held roughly flat over the trailing year, 2.9% off the recent peak, and 56% higher over three years (phase confidence 44/100). A cooling market tends to open discount-to-value windows.

Population is roughly 2,901 with a median age of 44. The tenure split is 85% owner-occupied to 15% rented. DLRadar's demographic-stress index for the area reads 26/100. Educational attainment sits at 19% bachelor's-or-above. Vacancy runs 4.3%. Around 37% of renters are cost-burdened. A median home runs $256,800 here, or 2.6 times local income. There are about 1,362 housing units across 04419. Median household income is $89,615, above the U.S. median near $78,000. The poverty rate is 10.7%.

Net-net, 04419 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. Parcel-level detail for 04419 is not published yet -- the ZIP-level readings above remain fully sourced to public records.

No ZIP is too small to score: 04419 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. Where the public record is thin for 04419, the field stays empty rather than modeled, and fills in as new documents post.

04419'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, 04419 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.