ZIP 04776 Foreclosure, Tax-Lien & Distress Report

Scored purely from public records, 04776 (Aroostook County, Maine) returns a low composite of 27/100. Climate and flood risk are elevated too — climate & FEMA risk (78/100), flood (NFIP) exposure (77/100). Property-level stress concentrates in construction/permit lag (100/100), structural risk (63/100), institutional ownership (17/100). By contrast, institutional ownership (17/100) and mortgage stress (10/100) register low. 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.

Home values center near $119,000, an affordability ratio of 2.0× — accessible. The ZIP holds roughly 492 housing units. 886 residents call 04776 home, typically aged 38. The tenure split is 90% owner-occupied to 10% rented. Around 27% of renters are cost-burdened. Educational attainment sits at 15% bachelor's-or-above. The vacancy rate is 36.7% — elevated. Roughly 31.8% live below the poverty line, elevated and often tied to deferred-maintenance inventory. The demographic-stress sub-score lands at 31/100. Households earn a median $50,625 — below the roughly $78,000 national figure.

On the whole, 04776 leans distressed, with opportunity clustered in specific stressed parcels. There is no property file for 04776 at the moment; the composite and its components are still built from verifiable public records.

Whether 04776 runs hot or quiet, its 27/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 04776 can be compared directly against any other ZIP in Aroostook County, Maine or nationwide. Every figure is auditable to a public dataset and refreshed on ingest; 04776 shows blanks, not estimates, wherever the record is sparse.

Behind 04776's composite sit distinct signals (foreclosure, mortgage, tax-lien, lender and structural), each scored on its own before rolling up, so two ZIPs with the same total can describe very different situations on the ground. For a buyer, 04776 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.