ZIP 04939 Foreclosure, Tax-Lien & Distress Report

Composite property distress in 04939 (Penobscot County, Maine) lands at 25/100 — low on DLRadar's distress scoring. Leading the profile are structural risk (56/100), construction/permit lag (54/100), institutional ownership (36/100). By contrast, institutional ownership (36/100) and mortgage stress (17/100) register low. The latent-versus-live split is 56/100 structural and 5/100 already moving. It additionally carries heavy environmental risk: climate & FEMA risk (79/100).

The contraction-phase market in 04939 posted values that held roughly flat over the year, 2.9% off the recent peak, at 44/100 phase confidence. Softening prices widen the spread between distressed and market value — what acquisition buyers watch for.

Rent burden reaches 41% of tenant households. The demographic-stress sub-score lands at 29/100. Median household income is $53,083, below the U.S. median near $78,000. The tenure split is 84% owner-occupied to 16% rented. About 20% have a four-year degree. The typical home is worth about $205,400 (2.8× income, relatively affordable). Roughly 15.8% live below the poverty line. The ZIP holds roughly 452 housing units. Population is roughly 819 with a median age of 55. Vacancy runs 17.8%, above the national norm and a classic distress-and-opportunity signal.

Net-net, 04939 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. Parcel-level detail for 04939 is not published yet -- the ZIP-level readings above remain fully sourced.

Big metro or rural, 04939 runs through one identical scoring model, so its 25/100 sits on the same scale as every other ZIP in Penobscot County, Maine and the nation. Where the record is thin for 04939, the field stays empty rather than modeled, and fills in as new documents post.

Behind 04939'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, 04939 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.