ZIP 04457 Foreclosure, Tax-Lien & Distress Report

Penobscot County, Maine's ZIP 04457 registers 26/100 composite distress, which DLRadar reads as low. It additionally carries heavy environmental risk: climate & FEMA risk (79/100). Property-level stress concentrates in 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 latent-versus-live split is 57/100 structural and 5/100 already moving.

Prices here sit in a contraction phase: values held roughly flat over the trailing year, 2.9% off the recent peak, and 42% higher over three years, at 44/100 phase confidence. A cooling market tends to open discount-to-value windows.

The typical home is worth about $146,300 (2.5× income, relatively affordable). Vacancy runs 21.5%, above the national norm and a classic distress-and-opportunity signal. 75% of housing is owner-occupied. Around 21% of adults hold a bachelor's degree or higher. 5,755 residents call 04457 home, typically aged 53. There are about 3,456 housing units across 04457. Rent burden reaches 51% of tenant households. The demographic-stress sub-score lands at 30/100. Median household income is $51,403, below the U.S. median near $78,000. 13.7% of residents fall below the poverty threshold.

On the whole, 04457 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 04457 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 04457 can be compared directly against any other ZIP in Penobscot County, Maine or nationwide. 04457 carries no interpolated values - each figure ties to a public source and refreshes the moment new records land.

04457'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 an operator, 04457 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.