ZIP 04478 Foreclosure, Tax-Lien & Distress Report

DLRadar grades ZIP 04478 (Somerset County, Maine) at a low 22/100 for overall property distress. Property-level stress concentrates in construction/permit lag (68/100), structural risk (47/100), institutional ownership (28/100). By contrast, institutional ownership (28/100) and mortgage stress (15/100) register low. It additionally carries heavy environmental risk: climate & FEMA risk (63/100). On the structural side it scores 47/100, with 5/100 of stress already active.

The market reads expansion — home values rose 6.1% year on year (phase confidence 43/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.

Around 29% of adults hold a bachelor's degree or higher. The poverty rate is 2.9% — low. Around 100% of renters are cost-burdened. The typical home is worth about $379,300 (6.3× income). About 491 people live here, median age 66. The demographic-stress sub-score lands at 50/100. At $58,750, median income runs below typical U.S. levels. The ZIP holds roughly 875 housing units. The vacancy rate is 73.7% — elevated. 88% of housing is owner-occupied.

Net-net, 04478 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.