ZIP 04961 Foreclosure, Tax-Lien & Distress Report

In Somerset County, Maine, ZIP 04961 scores 23 of 100 for composite distress, a low level on DLRadar's public-record index. Structural risk reads 50/100 against active distress of 4/100. What sets it apart are the readings on construction/permit lag (84/100), structural risk (50/100), institutional ownership (23/100). On the quiet end sit institutional ownership (23/100) and mortgage stress (14/100). It additionally carries heavy environmental risk: climate & FEMA risk (68/100).

Prices here sit in a peak phase: values rose 2.0% over the trailing year (phase confidence 40/100). Topping markets hide individual distress behind strong averages.

Population is roughly 795 with a median age of 56. 94% of housing is owner-occupied. Home values center near $162,100, an affordability ratio of 3.3× — accessible. The vacancy rate is 59.5% — elevated. Around 94% of renters are cost-burdened. Roughly 17.2% live below the poverty line, elevated and often tied to deferred-maintenance inventory. Around 19% of adults hold a bachelor's degree or higher. At $44,000, median income runs below typical U.S. levels. The ZIP holds roughly 987 housing units. The demographic-stress sub-score lands at 42/100.

Net-net, 04961 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. 04961 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.

Because one deterministic model scores every ZIP, 04961's 23/100 can be lined up against any neighbor in Somerset County, Maine or any ZIP coast to coast. Every figure is auditable to a public dataset and refreshed on ingest; 04961 shows blanks, not estimates, wherever the record is sparse.

Each component behind 04961 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 23/100 roll-up. For a buyer, 04961 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.