ZIP 04496 Property Distress & Foreclosure Data

DLRadar grades ZIP 04496 (Waldo County, Maine) at a low 23/100 for overall property distress. It additionally carries heavy environmental risk: flood (NFIP) exposure (88/100), FEMA disaster exposure (64/100). On the structural side it scores 53/100, with 7/100 of stress already active. Property-level stress concentrates in institutional ownership (54/100), structural risk (53/100), construction/permit lag (36/100). By contrast, construction/permit lag (36/100) and mortgage stress (23/100) register low.

The market reads expansion — home values rose 6.1% year on year, and 18% higher over three years (phase confidence 43/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.

At $103,938, median income runs above typical U.S. levels. The vacancy rate is 2.7%. The poverty rate is 4.7% — low. 92% of housing is owner-occupied. Around 37% of adults hold a bachelor's degree or higher. About 3,839 people live here, median age 42. Around 59% of renters are cost-burdened. The demographic-stress sub-score lands at 25/100. The ZIP holds roughly 1,752 housing units. The typical home is worth about $283,000 (2.3× income, relatively affordable).

Overall 04496 looks resilient on the surface, so the edge is isolating individual stressed parcels. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.