ZIP 04428 Foreclosure, Tax-Lien & Distress Report

On DLRadar's 0-100 public-record scale, ZIP 04428 in Penobscot County, Maine comes in at 26, a low composite-distress reading. Environmental exposure also runs high (climate & FEMA risk (79/100)). Leading the profile are construction/permit lag (57/100), structural risk (57/100), institutional ownership (35/100). By contrast, institutional ownership (35/100) and mortgage stress (17/100) register low. On the structural side it scores 57/100, with 5/100 of stress already active.

The market reads contraction — home values held roughly flat year on year, 2.9% off the recent peak, and 25% higher over three years, at 44/100 phase confidence. Falling values surface more motivated sellers and below-market exits.

The ZIP holds roughly 1,607 housing units. Median household income is $74,784, near the U.S. median near $78,000. 82% of housing is owner-occupied. Rent burden reaches 23% of tenant households. 3,374 residents call 04428 home, typically aged 50. The poverty rate is 7.7%. Vacancy runs 10.6%. The demographic-stress sub-score lands at 24/100. The typical home is worth about $244,500 (2.9× income, relatively affordable). Around 28% of adults hold a bachelor's degree or higher.

On the whole, 04428 leans distressed, with opportunity clustered in specific stressed parcels. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.

Whether 04428 runs hot or quiet, its 26/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 04428 can be compared directly against any other ZIP in Penobscot County, Maine or nationwide. Sparse data for 04428 shows as blanks, never estimates, and the score updates on every fresh public filing.

04428'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. Treat 04428 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.