ZIP 04765 Foreclosure, Tax-Lien & Distress Report

ZIP code 04765 in Penobscot County, Maine carries a composite property-distress score of 26/100 — a low reading on DLRadar's deterministic public-record index. On the structural side it scores 57/100, with 5/100 of stress already active. Environmental exposure also runs high (climate & FEMA risk (79/100)). Its standout signals are construction/permit lag (57/100), structural risk (57/100), institutional ownership (35/100). By contrast, institutional ownership (35/100) and mortgage stress (17/100) register low.

The contraction-phase market in 04765 posted values that held roughly flat over the year, 2.9% off the recent peak, at 44/100 phase confidence. A cooling market tends to open discount-to-value windows.

Home values center near $121,400, an affordability ratio of 2.5× — accessible. Rent burden reaches 41% of tenant households. About 1,452 people live here, median age 55. Educational attainment sits at 25% bachelor's-or-above. Vacancy runs 40.8%, above the national norm and a classic distress-and-opportunity signal. Median household income is $47,269, below the U.S. median near $78,000. 84% of housing is owner-occupied. On demographic stress specifically, 04765 scores 34/100. There are about 1,097 housing units across 04765. The poverty rate is 31.1% — high, a tax-stress and distress correlate.

On the whole, 04765 leans distressed, with opportunity clustered in specific stressed parcels. No parcel file is published for 04765 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

The 04765 read uses the identical public-record model applied coast to coast, which means its 26/100 score means exactly what it means anywhere else, and 04765 stays directly comparable to neighboring ZIPs and the rest of Penobscot County, Maine. 04765 carries no interpolated values - each figure ties to a public source and refreshes the moment new records land.

The 26/100 figure for 04765 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 a buyer, 04765 is one row in a larger workflow: confirm the score, pull the distressed parcels behind it, then move from signal to funded, closed acquisition through DLRadar.