ZIP 04685 Property Distress & Foreclosure Data

DLRadar grades ZIP 04685 (Hancock County, Maine) at a low 25/100 for overall property distress. Property-level stress concentrates in structural risk (56/100), institutional ownership (54/100), construction/permit lag (34/100). By contrast, construction/permit lag (34/100) and mortgage stress (26/100) register low. It additionally carries heavy environmental risk: flood (NFIP) exposure (87/100), FEMA disaster exposure (64/100). The latent-versus-live split is 56/100 structural and 8/100 already moving.

The market reads expansion — home values rose 6.1% year on year (phase confidence 43/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.

At $78,125, median income runs near typical U.S. levels. Around 60% of renters are cost-burdened. The vacancy rate is 62.4% — elevated. About 388 people live here, median age 59. The typical home is worth about $316,700 (4.0× income). Around 36% of adults hold a bachelor's degree or higher. The poverty rate is 2.9% — low. 93% of housing is owner-occupied. The demographic-stress sub-score lands at 35/100. The ZIP holds roughly 493 housing units.

Net-net, 04685 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.