ZIP 04448 Foreclosure, Tax-Lien & Distress Report

DLRadar grades ZIP 04448 (Penobscot County, Maine) at a low 25/100 for overall property distress. On the structural side it scores 56/100, with 5/100 of stress already active. Climate and flood risk are elevated too — climate & FEMA risk (79/100). Leading the profile are structural risk (56/100), construction/permit lag (54/100), institutional ownership (36/100). On the quiet end sit institutional ownership (36/100) and mortgage stress (17/100).

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

Owners hold 84% of homes, renters 16%. Educational attainment sits at 14% bachelor's-or-above. There are about 659 housing units across 04448. Vacancy runs 16.2%, above the national norm and a classic distress-and-opportunity signal. The typical home is worth about $152,000 (2.4× income, relatively affordable). The poverty rate is 22.2% — high, a tax-stress and distress correlate. At $48,958, median income runs below typical U.S. levels. Rent burden reaches 16% of tenant households. Population is roughly 1,489 with a median age of 48. The demographic-stress sub-score lands at 26/100.

Net-net, 04448 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. No parcel file is published for 04448 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

Whether 04448 runs hot or quiet, its 25/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 04448 can be compared directly against any other ZIP in Penobscot County, Maine or nationwide. Sparse data for 04448 shows as blanks, never estimates, and the score updates on every fresh public filing.

Behind 04448's composite sit distinct signals (foreclosure, mortgage, tax-lien, lender and structural), each scored on its own before rolling up, so two ZIPs with the same total can describe very different situations on the ground. The point of the 04448 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.