ZIP 21028 Foreclosure, Tax-Lien & Distress Report

Harford County, Maryland's ZIP 21028 registers 25/100 composite distress, which DLRadar reads as low. Its heaviest discrete signals: 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. Structural risk reads 57/100 against active distress of 2/100. It additionally carries heavy environmental risk: flood (NFIP) exposure (83/100), climate & FEMA risk (78/100).

The peak-phase market in 21028 posted values that rose 2.2% over the year, and 31% higher over three years, at 21/100 phase confidence. Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

The typical home is worth about $512,400 (3.6× income, relatively affordable). 2.2% of residents fall below the poverty threshold. Households earn a median $133,583 — above the roughly $78,000 national figure. Rent burden reaches 62% of tenant households. The ZIP holds roughly 1,134 housing units. Around 50% of adults hold a bachelor's degree or higher. DLRadar's demographic-stress index for the area reads 29/100. The tenure split is 85% owner-occupied to 15% rented. 2,872 residents call 21028 home, typically aged 44. Vacancy runs 12.6%, above the national norm and a classic distress-and-opportunity signal.

On the whole, 21028 leans distressed, with opportunity clustered in specific stressed parcels. While 21028 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

The 21028 read uses the identical public-record model applied coast to coast, which means its 25/100 score means exactly what it means anywhere else, and 21028 stays directly comparable to neighboring ZIPs and the rest of Harford County, Maryland. Sparse data for 21028 shows as blanks, never estimates, and the score updates on every fresh public filing.

Each component behind 21028 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 25/100 roll-up. Treat 21028 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.