ZIP 04985 Foreclosure, Tax-Lien & Distress Report

Scored purely from public records, 04985 (Somerset County, Maine) returns a low composite of 23/100. Environmental exposure also runs high (climate & FEMA risk (68/100)). Property-level stress concentrates 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). On the structural side it scores 50/100, with 4/100 of stress already active.

The peak-phase market in 04985 posted values that rose 2.0% over the year, at 40/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

On demographic stress specifically, 04985 scores 28/100. Roughly 3.7% live below the poverty line, a low share typical of higher-equity areas. At $83,750, median income runs near typical U.S. levels. 163 residents call 04985 home, typically aged 40. Home values center near $287,000, an affordability ratio of 3.1× — accessible. About 48% have a four-year degree. The ZIP holds roughly 447 housing units. The tenure split is 95% owner-occupied to 5% rented. Vacancy runs 81.3%, above the national norm and a classic distress-and-opportunity signal.

Net-net, 04985 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. No parcel file is published for 04985 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

No ZIP is too small to score: 04985 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 23/100 composite is a like-for-like number rather than an isolated estimate. The score is rebuilt from public data as it updates, so 04985 reflects the current record instead of a stale or modeled snapshot.

04985's score blends several independent layers — foreclosure and mortgage stress, tax and lien delinquency, bank headwind and structural exposure — into one 0–100 number, so understanding the components matters as much as the headline for anyone screening the ZIP. For a buyer, 04985 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.