ZIP 04538 Foreclosure, Tax-Lien & Distress Report

Lincoln County, Maine's ZIP 04538 registers 22/100 composite distress, which DLRadar reads as low. Structural risk reads 51/100 against active distress of 7/100. Leading the profile are construction/permit lag (58/100), structural risk (51/100), institutional ownership (42/100). By contrast, mortgage stress (23/100) register low. Climate and flood risk are elevated too — flood (NFIP) exposure (92/100).

The market reads peak — home values rose 2.0% year on year, and 21% higher over three years (phase confidence 40/100). Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

Home values center near $388,100, an affordability ratio of 6.2×. Median household income is $60,000, below the U.S. median near $78,000. The ZIP holds roughly 1,892 housing units. Rent burden reaches 42% of tenant households. Population is roughly 1,688 with a median age of 64. The vacancy rate is 52.1% — elevated. The demographic-stress sub-score lands at 41/100. About 45% have a four-year degree. Owners hold 76% of homes, renters 24%. The poverty rate is 15.9%.

On the whole, 04538 leans distressed, with opportunity clustered in specific stressed parcels. No parcel file is published for 04538 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

The 04538 read uses the identical public-record model applied coast to coast, which means its 22/100 score means exactly what it means anywhere else, and 04538 stays directly comparable to neighboring ZIPs and the rest of Lincoln County, Maine. Where the public record is thin for 04538, the field stays empty rather than modeled, and fills in as new documents post.

04538'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. Treat 04538 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.