ZIP 04978 Foreclosure, Tax-Lien & Distress Report

Composite property distress in 04978 (Somerset County, Maine) lands at 23/100 — low on DLRadar's public-record scoring. It additionally carries heavy environmental risk: climate & FEMA risk (68/100). The pressure is most legible in 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). The split runs 50/100 structural to 4/100 active on the ground.

Prices here sit in a peak phase: values rose 2.0% over the trailing year (phase confidence 40/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

The typical home is worth about $242,800 (2.2× income, relatively affordable). 91% of housing is owner-occupied. The vacancy rate is 40.2% — elevated. DLRadar's demographic-stress index for the area reads 24/100. At $105,694, median income runs above typical U.S. levels. The ZIP holds roughly 683 housing units. 867 residents call 04978 home, typically aged 56. Around 36% of adults hold a bachelor's degree or higher. Roughly 4.7% live below the poverty line, a low share typical of higher-equity areas. Rent burden reaches 35% of tenant households.

Taken together, 04978 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.

Big metro or rural, 04978 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. Where the public record is thin for 04978, the field stays empty rather than modeled, and fills in as new documents post.

Each component behind 04978 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 23/100 roll-up. Treat 04978 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.