ZIP 04554 Foreclosure, Tax-Lien & Distress Report

Lincoln County, Maine's ZIP 04554 registers 22/100 composite distress, which DLRadar reads as low. The latent-versus-live split is 51/100 structural and 7/100 already moving. Environmental exposure also runs high (flood (NFIP) exposure (92/100)). Its heaviest discrete signals: construction/permit lag (58/100), structural risk (51/100), institutional ownership (42/100). By contrast, mortgage stress (23/100) register low.

The market reads peak — home values rose 2.0% year on year, and 54% higher over three years (phase confidence 40/100). Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

The tenure split is 82% owner-occupied to 18% rented. There are about 694 housing units across 04554. About 562 people live here, median age 69. Educational attainment sits at 59% bachelor's-or-above. A median home runs $501,700 here, or 6.5 times local income. 3.0% of residents fall below the poverty threshold. Vacancy runs 64.6%, above the national norm and a classic distress-and-opportunity signal. On demographic stress specifically, 04554 scores 36/100. Rent burden reaches 25% of tenant households. At $76,932, median income runs near typical U.S. levels.

On the whole, 04554 leans distressed, with opportunity clustered in specific stressed parcels. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.

The number is not local guesswork: 04554's 22/100 comes from the same nationwide foreclosure, tax, mortgage and lender model, making it directly comparable anywhere. Sparse data for 04554 shows as blanks, never estimates, and the score updates on every fresh public filing.

Behind 04554's composite sit distinct signals (foreclosure, mortgage, tax-lien, lender and structural), each scored on its own before rolling up, so two ZIPs with the same total can describe very different situations on the ground. The point of the 04554 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.