ZIP 04609 Foreclosure, Tax-Lien & Distress Report

Composite property distress in 04609 (Hancock County, Maine) lands at 24/100 — low on DLRadar's public-record scoring. It additionally carries heavy environmental risk: flood (NFIP) exposure (87/100). The latent-versus-live split is 55/100 structural and 8/100 already moving. The sharpest non-environmental signals are structural risk (55/100), institutional ownership (47/100), construction/permit lag (40/100). mortgage stress (26/100) stay muted.

Prices here sit in a peak phase: values rose 2.0% over the trailing year, and 38% higher over three years (phase confidence 40/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

Median household income is $74,408, near the U.S. median near $78,000. The typical home is worth about $538,400 (6.1× income). There are about 3,573 housing units across 04609. Rent burden reaches 35% of tenant households. Vacancy runs 30.9%, above the national norm and a classic distress-and-opportunity signal. Educational attainment sits at 58% bachelor's-or-above. DLRadar's demographic-stress index for the area reads 36/100. About 5,198 people live here, median age 49. 14.4% of residents fall below the poverty threshold. The tenure split is 74% owner-occupied to 26% rented.

On the whole, 04609 leans distressed, with opportunity clustered in specific stressed parcels. While 04609 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

Whether 04609 runs hot or quiet, its 24/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 04609 can be compared directly against any other ZIP in Hancock County, Maine or nationwide. 04609 carries no interpolated values - each figure ties to a public source and refreshes the moment new records land.

The 24/100 figure for 04609 is a composite, not one metric: it rolls up foreclosure and pre-foreclosure activity, mortgage stress, tax delinquency and liens, local lender headwind, and structural risk into a single reading, which is why a ZIP can look calm on price yet score high on distress. The point of the 04609 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.