ZIP 04981 Foreclosure, Tax-Lien & Distress Report

Scored purely from public records, 04981 (Waldo County, Maine) returns a low composite of 25/100. Environmental exposure also runs high (flood (NFIP) exposure (88/100)). Its standout signals are construction/permit lag (65/100), structural risk (57/100), institutional ownership (47/100). On the quiet end sit mortgage stress (23/100). The split runs 57/100 structural to 7/100 active on the ground.

Prices here sit in a peak phase: values rose 2.0% over the trailing year, and 44% higher over three years (phase confidence 40/100). Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

84% of housing is owner-occupied. Around 24% of renters are cost-burdened. There are about 1,364 housing units across 04981. The vacancy rate is 13.8% — elevated. Population is roughly 2,584 with a median age of 51. DLRadar's demographic-stress index for the area reads 26/100. 12.1% of residents fall below the poverty threshold. Educational attainment sits at 26% bachelor's-or-above. A median home runs $239,000 here, or 3.1 times local income. Households earn a median $72,178 — near the roughly $78,000 national figure.

Net-net, 04981 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. While 04981 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

Whether 04981 runs hot or quiet, its 25/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 04981 can be compared directly against any other ZIP in Waldo County, Maine or nationwide. The score is rebuilt from public data as it updates, so 04981 reflects the current record instead of a stale or modeled snapshot.

Each component behind 04981 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 25/100 roll-up. In workflow terms, 04981 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.