ZIP 04945 Foreclosure, Tax-Lien & Distress Report
Somerset County, Maine · High Vacancy market
ZIP 04945's composite property-distress score is 23/100 - DLRadar classes that as low for Somerset County, Maine. Climate and flood risk are elevated too — climate & FEMA risk (68/100). What sets it apart are the readings on construction/permit lag (84/100), structural risk (50/100), institutional ownership (23/100). institutional ownership (23/100) and mortgage stress (14/100) stay muted. Structural risk reads 50/100 against active distress of 4/100.
Prices here sit in a peak phase: values rose 2.0% over the trailing year (phase confidence 40/100). Near a top, distress surfaces unevenly, so parcel screening beats headline strength.
Population is roughly 1,270 with a median age of 53. 90% of housing is owner-occupied. Home values center near $197,000, an affordability ratio of 2.6× — accessible. Roughly 12.5% live below the poverty line. The vacancy rate is 46.4% — elevated. The demographic-stress sub-score lands at 25/100. Rent burden reaches 14% of tenant households. The ZIP holds roughly 1,209 housing units. About 29% have a four-year degree. Households earn a median $57,661 — below the roughly $78,000 national figure.
Taken together, 04945 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. While 04945 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.
Big metro or rural, 04945 runs through one identical public-record model, so its 23/100 sits on the same scale as every other ZIP in Somerset County, Maine and the nation. Every figure is auditable to a public dataset and refreshed on ingest; 04945 shows blanks, not estimates, wherever the record is sparse.
Behind 04945'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, 04945 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.
Distress signal breakdown — ZIP 04945
Tax arrears, institutional buyers, insurance load, flood exposure, stalled construction, dislocated pricing and auction velocity — together with the 0 individual distressed properties — each with owner, address, APN, its own distress score and an exit read — are in the full report.
Snapshot: 04945 by the numbers
The live 04945 panel — distress score, market phase, housing and bank pressure — as attached to every individual property.
Somerset County ZIPs near 04945
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Rules-based scoring — each signal ties to a public dataset · methodology