ZIP 21015 Foreclosure, Tax-Lien & Distress Report

Composite property distress in 21015 (Harford County, Maryland) lands at 25/100 — low on DLRadar's public-record scoring. The sharpest non-environmental signals are construction/permit lag (77/100), structural risk (59/100), institutional ownership (19/100). On the quiet end sit institutional ownership (19/100) and mortgage stress (7/100). Environmental exposure also runs high (flood (NFIP) exposure (83/100), climate & FEMA risk (78/100)). On the structural side it scores 59/100, with 2/100 of stress already active.

The peak-phase market in 21015 posted values that rose 2.8% over the year, and 13% higher over three years (phase confidence 30/100). Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

Median household income is $137,219, above the U.S. median near $78,000. Around 31% of renters are cost-burdened. 4.8% of residents fall below the poverty threshold. DLRadar's demographic-stress index for the area reads 22/100. Educational attainment sits at 52% bachelor's-or-above. Population is roughly 30,451 with a median age of 40. The vacancy rate is 3.6%. The ZIP holds roughly 11,408 housing units. Home values center near $443,400, an affordability ratio of 3.0× — accessible. Owners hold 90% of homes, renters 10%.

On balance 21015 is mixed, rewarding parcel-by-parcel screening over broad assumptions. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.