ZIP 04634 Foreclosure, Tax-Lien & Distress Report

ZIP code 04634 in Hancock County, Maine carries a composite property-distress score of 24/100 — a low reading on DLRadar's deterministic public-record index. Property-level stress concentrates in structural risk (55/100), institutional ownership (47/100), construction/permit lag (40/100). On the quiet end sit mortgage stress (26/100). The latent-versus-live split is 55/100 structural and 8/100 already moving. Climate and flood risk are elevated too — flood (NFIP) exposure (87/100).

The market reads peak — home values rose 2.0% year on year, at 40/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

The ZIP holds roughly 1,653 housing units. Home values center near $264,600, an affordability ratio of 3.5× — accessible. The poverty rate is 14.2%. Owners hold 76% of homes, renters 24%. Around 34% of renters are cost-burdened. DLRadar's demographic-stress index for the area reads 33/100. Around 21% of adults hold a bachelor's degree or higher. Population is roughly 2,218 with a median age of 49. Median household income is $66,607, below the U.S. median near $78,000. The vacancy rate is 41.2% — elevated.

On the whole, 04634 leans distressed, with opportunity clustered in specific stressed parcels. Parcel-level detail for 04634 is not published yet -- the ZIP-level readings above remain fully sourced to public records.

The 04634 read uses the identical public-record model applied coast to coast, which means its 24/100 score means exactly what it means anywhere else, and 04634 stays directly comparable to neighboring ZIPs and the rest of Hancock County, Maine. The score is rebuilt from public data as it updates, so 04634 reflects the current record instead of a stale or modeled snapshot.

The 24/100 figure for 04634 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. For an operator, 04634 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.