ZIP 21001 Foreclosure, Tax-Lien & Distress Report
Harford County, Maryland · Distress market
Scored purely from public records, 21001 (Harford County, Maryland) returns a low composite of 25/100. It additionally carries heavy environmental risk: flood (NFIP) exposure (83/100), climate & FEMA risk (78/100). The sharpest non-environmental signals are construction/permit lag (70/100), structural risk (57/100), institutional ownership (19/100). On the quiet end sit institutional ownership (19/100) and mortgage stress (7/100). Latent structural risk is 57/100 while live distress already moving reads 2/100.
The market reads peak — home values rose 2.2% year on year, and 16% higher over three years, at 21/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.
The ZIP holds roughly 11,610 housing units. 66% of housing is owner-occupied. Population is roughly 26,121 with a median age of 38. The demographic-stress sub-score lands at 30/100. Around 42% of renters are cost-burdened. Households earn a median $81,778 — near the roughly $78,000 national figure. Home values center near $285,800, an affordability ratio of 3.3× — accessible. Roughly 13.7% live below the poverty line. Vacancy runs 3.9%. Around 28% of adults hold a bachelor's degree or higher.
Overall, 21001 shows a mixed profile — neither uniformly stressed nor insulated — so opportunity is property-specific. There is no property file for 21001 at the moment; the composite and its components are still built from verifiable public records.
Because one deterministic model scores every ZIP, 21001's 25/100 can be lined up against any neighbor in Harford County, Maryland or any ZIP coast to coast. Sparse data for 21001 shows as blanks, never estimates, and the score updates on every fresh public filing.
The 25/100 figure for 21001 is a composite, not one metric: it rolls up foreclosure and pre-foreclosure activity, mortgage stress, tax delinquency and liens, local lender headwind, and structural risk into a single reading, which is why a ZIP can look calm on price yet score high on distress. For a buyer, 21001 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.
Signal-by-signal read on 21001
Delinquent tax, institutional holdings, insurance strain, flood/NFIP exposure, build-out lag, price dislocation and auction pace — along with the 0 individual distressed properties (owner, address, APN, per-property score and exit read) are in the full DLRadar report.
The 21001 distress snapshot
Real-time distress, cycle phase, housing and bank-stress readings for 21001, the same set carried on every parcel.
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Built from public records, scored the same way everywhere · methodology