ZIP 21009 Foreclosure, Tax-Lien & Distress Report

ZIP 21009's composite property-distress score is 25/100 - DLRadar classes that as low for Harford County, Maryland. Structural exposure scores 57 and live distress 2 on the 0–100 scale. The pressure is most legible in construction/permit lag (70/100), structural risk (57/100), institutional ownership (19/100). By contrast, institutional ownership (19/100) and mortgage stress (7/100) register low. Climate and flood risk are elevated too — flood (NFIP) exposure (83/100), climate & FEMA risk (78/100).

The market reads peak — home values rose 2.2% year on year, and 12% higher over three years (phase confidence 21/100). Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

The ZIP holds roughly 13,256 housing units. Vacancy runs 2.8%. Home values center near $357,100, an affordability ratio of 2.9× — accessible. Rent burden reaches 34% of tenant households. Households earn a median $117,017 — above the roughly $78,000 national figure. Educational attainment sits at 40% bachelor's-or-above. 81% of housing is owner-occupied. The poverty rate is 3.9% — low. 33,444 residents call 21009 home, typically aged 36. DLRadar's demographic-stress index for the area reads 23/100.

On balance 21009 is mixed, rewarding parcel-by-parcel screening over broad assumptions. Parcel-level detail for 21009 is not published yet -- the ZIP-level readings above remain fully sourced to public records.

Whether 21009 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 21009 can be compared directly against any other ZIP in Harford County, Maryland or nationwide. 21009 carries no interpolated values - each figure ties to a public source and refreshes the moment new records land.

The 25/100 figure for 21009 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. In workflow terms, 21009 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.