ZIP 04685 Foreclosure, Tax-Lien & Distress Report

Composite property distress in 04685 (Hancock County, Maine) lands at 24/100 — low on DLRadar's public-record scoring. The most distinctive pressure shows up in structural risk (55/100), institutional ownership (47/100), construction/permit lag (40/100). On the quiet end sit mortgage stress (26/100). Climate and flood risk are elevated too — flood (NFIP) exposure (87/100). Latent structural risk is 55/100 while live distress already moving reads 8/100.

The peak-phase market in 04685 posted values that rose 2.0% over the year, at 40/100 phase confidence. Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

Median household income is $78,125, near the U.S. median near $78,000. Rent burden reaches 60% of tenant households. Vacancy runs 62.4%, above the national norm and a classic distress-and-opportunity signal. About 388 people live here, median age 59. Home values center near $316,700, an affordability ratio of 4.0×. About 36% have a four-year degree. 2.9% of residents fall below the poverty threshold. 93% of housing is owner-occupied. DLRadar's demographic-stress index for the area reads 35/100. There are about 493 housing units across 04685.

Taken together, 04685 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. Parcel-level detail for 04685 is not published yet -- the ZIP-level readings above remain fully sourced to public records.

Because one deterministic model scores every ZIP, 04685's 24/100 can be lined up against any neighbor in Hancock County, Maine or any ZIP coast to coast. Where the public record is thin for 04685, the field stays empty rather than modeled, and fills in as new documents post.

The 24/100 figure for 04685 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 04685 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.