ZIP 04430 Property Distress & Foreclosure Data

ZIP code 04430 in Penobscot County, Maine carries a composite property-distress score of 25/100 — a low reading on DLRadar's deterministic public-record index. 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. 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.

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

Around 49% of renters are cost-burdened. About 1,545 people live here, median age 44. The poverty rate is 18.5% — high, a tax-stress and distress correlate. The ZIP holds roughly 824 housing units. The vacancy rate is 18.6% — elevated. The demographic-stress sub-score lands at 28/100. At $44,306, median income runs below typical U.S. levels. The typical home is worth about $86,200 (1.7× income, relatively affordable). Around 23% of adults hold a bachelor's degree or higher. 78% of housing is owner-occupied.

Net-net, 04430 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.