ZIP 04745 Foreclosure, Tax-Lien & Distress Report

ZIP 04745's composite property-distress score is 27/100 - DLRadar classes that as low for Aroostook County, Maine. It additionally carries heavy environmental risk: climate & FEMA risk (78/100), flood (NFIP) exposure (75/100). What sets it apart are the readings on construction/permit lag (98/100), structural risk (63/100), institutional ownership (17/100). On the quiet end sit institutional ownership (17/100) and mortgage stress (10/100). The latent-versus-live split is 63/100 structural and 3/100 already moving.

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

Vacancy runs 12.4%, above the national norm and a classic distress-and-opportunity signal. 81% of housing is owner-occupied. Population is roughly 876 with a median age of 54. There are about 480 housing units across 04745. Educational attainment sits at 16% bachelor's-or-above. 12.1% of residents fall below the poverty threshold. The typical home is worth about $137,300 (2.7× income, relatively affordable). Around 32% of renters are cost-burdened. On demographic stress specifically, 04745 scores 27/100. Households earn a median $50,000 — below the roughly $78,000 national figure.

Net-net, 04745 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.

No ZIP is too small to score: 04745 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 27/100 composite is a like-for-like number rather than an isolated estimate. Sparse data for 04745 shows as blanks, never estimates, and the score updates on every fresh public filing.

The 27/100 figure for 04745 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. In workflow terms, 04745 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.