ZIP 04495 Foreclosure, Tax-Lien & Distress Report

On DLRadar's 0-100 public-record scale, ZIP 04495 in Penobscot County, Maine comes in at 26, a low composite-distress reading. The split runs 57/100 structural to 5/100 active on the ground. The sharpest non-environmental signals are 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). It additionally carries heavy environmental risk: climate & FEMA risk (79/100).

The contraction-phase market in 04495 posted values that held roughly flat over the year, 2.9% off the recent peak, at 44/100 phase confidence. A cooling market tends to open discount-to-value windows.

Population is roughly 273 with a median age of 57. A median home runs $95,600 here, or 2.6 times local income. Around 25% of adults hold a bachelor's degree or higher. Vacancy runs 11.8%, above the national norm and a classic distress-and-opportunity signal. The tenure split is 83% owner-occupied to 17% rented. The demographic-stress sub-score lands at 31/100. The ZIP holds roughly 182 housing units. Around 60% of renters are cost-burdened. Households earn a median $37,125 — below the roughly $78,000 national figure. Roughly 20.1% live below the poverty line, elevated and often tied to deferred-maintenance inventory.

On the whole, 04495 leans distressed, with opportunity clustered in specific stressed parcels. There is no property file for 04495 at the moment; the composite and its components are still built from verifiable public records.

Because one deterministic model scores every ZIP, 04495's 26/100 can be lined up against any neighbor in Penobscot County, Maine or any ZIP coast to coast. Sparse data for 04495 shows as blanks, never estimates, and the score updates on every fresh public filing.

The 26/100 for 04495 sums independent layers - foreclosure, mortgage, tax-lien, lender headwind and structural risk - so the mix behind the number matters as much as the number. The point of the 04495 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.