ZIP 04986 Foreclosure, Tax-Lien & Distress Report

ZIP code 04986 in Waldo County, Maine carries a composite property-distress score of 25/100 — a low reading on DLRadar's deterministic public-record index. It additionally carries heavy environmental risk: flood (NFIP) exposure (88/100). On the structural side it scores 57/100, with 7/100 of stress already active. Leading the profile are construction/permit lag (65/100), structural risk (57/100), institutional ownership (47/100). By contrast, mortgage stress (23/100) register low.

The market reads peak — home values rose 2.0% year on year (phase confidence 40/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

The ZIP holds roughly 761 housing units. The vacancy rate is 13.5% — elevated. On demographic stress specifically, 04986 scores 25/100. Educational attainment sits at 25% bachelor's-or-above. Around 21% of renters are cost-burdened. Home values center near $184,500, an affordability ratio of 2.5× — accessible. 10.1% of residents fall below the poverty threshold. 2,323 residents call 04986 home, typically aged 31. At $69,375, median income runs near typical U.S. levels. The tenure split is 80% owner-occupied to 20% rented.

Net-net, 04986 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.

Because one deterministic model scores every ZIP, 04986's 25/100 can be lined up against any neighbor in Waldo County, Maine or any ZIP coast to coast. Nothing here is interpolated — where a source is thin for 04986, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

Behind 04986's composite sit distinct signals (foreclosure, mortgage, tax-lien, lender and structural), each scored on its own before rolling up, so two ZIPs with the same total can describe very different situations on the ground. Practically, 04986 works as a screen — verify the reading, drill to the specific parcels driving it, and carry the deal through capital and closing on the platform.