ZIP 04461 Foreclosure, Tax-Lien & Distress Report

Composite property distress in 04461 (Penobscot County, Maine) lands at 25/100 — low on DLRadar's distress scoring. Climate and flood risk are elevated too — climate & FEMA risk (79/100). On the structural side it scores 56/100, with 5/100 of stress already active. The sharpest non-environmental signals 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).

Prices here sit in a contraction phase: values held roughly flat over the trailing year, 2.9% off the recent peak, and 51% higher over three years, at 44/100 phase confidence. Falling values surface more motivated sellers and below-market exits.

Households earn a median $63,892 — below the roughly $78,000 national figure. Roughly 9.8% live below the poverty line. Around 43% of renters are cost-burdened. The ZIP holds roughly 1,498 housing units. Vacancy runs 10.7%. The demographic-stress sub-score lands at 29/100. A median home runs $176,400 here, or 2.9 times local income. Population is roughly 3,083 with a median age of 43. About 17% have a four-year degree. The tenure split is 84% owner-occupied to 16% rented.

Net-net, 04461 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. 04461 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.

Because one deterministic model scores every ZIP, 04461's 25/100 can be lined up against any neighbor in Penobscot County, Maine or any ZIP coast to coast. Sparse data for 04461 shows as blanks, never estimates, and the score updates on every fresh public filing.

Behind 04461'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. Treat 04461 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.