ZIP 04950 Foreclosure, Tax-Lien & Distress Report

ZIP 04950's composite property-distress score is 23/100 - DLRadar classes that as low for Somerset County, Maine. It additionally carries heavy environmental risk: climate & FEMA risk (68/100). Leading the profile are construction/permit lag (84/100), structural risk (50/100), institutional ownership (23/100). institutional ownership (23/100) and mortgage stress (14/100) stay muted. The latent-versus-live split is 50/100 structural and 4/100 already moving.

Prices here sit in a peak phase: values rose 2.0% over the trailing year, and 15% higher over three years, at 40/100 phase confidence. Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

The tenure split is 60% owner-occupied to 40% rented. Roughly 17.2% live below the poverty line, elevated and often tied to deferred-maintenance inventory. There are about 2,684 housing units across 04950. Rent burden reaches 20% of tenant households. 4,761 residents call 04950 home, typically aged 52. About 15% have a four-year degree. The vacancy rate is 17.8% — elevated. On demographic stress specifically, 04950 scores 30/100. The typical home is worth about $187,600 (3.2× income, relatively affordable). Households earn a median $48,750 — below the roughly $78,000 national figure.

Net-net, 04950 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. No parcel file is published for 04950 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

Because one deterministic model scores every ZIP, 04950's 23/100 can be lined up against any neighbor in Somerset County, Maine or any ZIP coast to coast. The score is rebuilt from public data as it updates, so 04950 reflects the current record instead of a stale or modeled snapshot.

The 23/100 figure for 04950 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, 04950 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.