ZIP 21015 Foreclosure, Tax-Lien & Distress Report

In Harford County, Maryland, ZIP 21015 scores 25 of 100 for composite distress, a low level on DLRadar's public-record index. Its heaviest discrete signals: construction/permit lag (70/100), structural risk (57/100), institutional ownership (19/100). institutional ownership (19/100) and mortgage stress (7/100) stay muted. Climate and flood risk are elevated too — flood (NFIP) exposure (83/100), climate & FEMA risk (78/100). On the structural side it scores 57/100, with 2/100 of stress already active.

The peak-phase market in 21015 posted values that rose 2.2% over the year, and 13% higher over three years, at 21/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

Median household income is $137,219, above the U.S. median near $78,000. Rent burden reaches 31% of tenant households. The poverty rate is 4.8% — low. On demographic stress specifically, 21015 scores 22/100. Around 52% of adults hold a bachelor's degree or higher. Population is roughly 30,451 with a median age of 40. The vacancy rate is 3.6%. There are about 11,408 housing units across 21015. Home values center near $443,400, an affordability ratio of 3.0× — accessible. 90% of housing is owner-occupied.

Net-net, 21015 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. No parcel file is published for 21015 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

No ZIP is too small to score: 21015 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 25/100 composite is a like-for-like number rather than an isolated estimate. 21015 carries no interpolated values - each figure ties to a public source and refreshes the moment new records land.

Each component behind 21015 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 25/100 roll-up. For an operator, 21015 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.