ZIP 04539 Foreclosure, Tax-Lien & Distress Report
Lincoln County, Maine · Distress market
In Lincoln County, Maine, ZIP 04539 scores 22 of 100 for composite distress, a low level on DLRadar's public-record index. Climate and flood risk are elevated too — flood (NFIP) exposure (92/100). On the structural side it scores 51/100, with 7/100 of stress already active. Property-level stress concentrates in construction/permit lag (58/100), structural risk (51/100), institutional ownership (42/100). By contrast, mortgage stress (23/100) register low.
Prices here sit in a peak phase: values rose 2.0% over the trailing year, and 30% higher over three years (phase confidence 40/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.
At $94,688, median income runs above typical U.S. levels. The ZIP holds roughly 734 housing units. Vacancy runs 5.5%. Rent burden reaches 0% of tenant households. Roughly 11.2% live below the poverty line. About 1,524 people live here, median age 55. Educational attainment sits at 44% bachelor's-or-above. 93% of housing is owner-occupied. On demographic stress specifically, 04539 scores 20/100. Home values center near $346,900, an affordability ratio of 3.6× — accessible.
Net-net, 04539 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. While 04539 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.
Because one deterministic model scores every ZIP, 04539's 22/100 can be lined up against any neighbor in Lincoln County, Maine or any ZIP coast to coast. The score is rebuilt from public data as it updates, so 04539 reflects the current record instead of a stale or modeled snapshot.
04539'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. In workflow terms, 04539 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.
Signal-by-signal read on 04539
Delinquency on tax, investor concentration, insurance pressure, NFIP flood, lagging construction, price dislocation and sale velocity — and the 0 individual distressed properties are broken out by owner, address, APN, per-property score and exit read inside DLRadar.
ZIP 04539 Stress Report snapshot
The live 04539 panel — distress score, market phase, housing and bank pressure — as attached to every individual property.
Lincoln County ZIPs near 04539
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Built from public records, scored the same way everywhere · methodology