ZIP 21040 Foreclosure, Tax-Lien & Distress Report
Harford County, Maryland · Distress market
On DLRadar's 0-100 distress scale, ZIP 21040 in Harford County, Maryland comes in at 24, a low composite-distress reading. Climate and flood risk are elevated too — flood (NFIP) exposure (83/100), climate & FEMA risk (78/100). On the structural side it scores 56/100, with 2/100 of stress already active. The sharpest non-environmental signals are construction/permit lag (66/100), structural risk (56/100), institutional ownership (19/100). institutional ownership (19/100) and mortgage stress (7/100) stay muted.
The peak-phase market in 21040 posted values that rose 2.2% over the year, and 19% higher over three years, at 21/100 phase confidence. Near a top, distress surfaces unevenly, so parcel screening beats headline strength.
Households earn a median $86,925 — near the roughly $78,000 national figure. Rent burden reaches 46% of tenant households. 10.9% of residents fall below the poverty threshold. 69% of housing is owner-occupied. Around 23% of adults hold a bachelor's degree or higher. The ZIP holds roughly 10,241 housing units. The demographic-stress sub-score lands at 29/100. Home values center near $238,000, an affordability ratio of 2.7× — accessible. About 25,290 people live here, median age 37. The vacancy rate is 3.3%.
Overall 21040 looks resilient on the surface, so the edge is isolating individual stressed parcels. Parcel-level detail for 21040 is not published yet -- the ZIP-level readings above remain fully sourced.
Big metro or rural, 21040 runs through one identical scoring model, so its 24/100 sits on the same scale as every other ZIP in Harford County, Maryland and the nation. Nothing here is interpolated — where a source is thin for 21040, DLRadar leaves it blank rather than guessing, and re-scores as new records post.
The 24/100 figure for 21040 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 an operator, 21040 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.
Distress signal breakdown — ZIP 21040
Delinquent tax, institutional holdings, insurance strain, flood/NFIP exposure, build-out lag, price dislocation and auction pace — along with the 0 individual distressed properties are broken out by owner, address, APN, per-property score and exit read inside DLRadar.
ZIP 21040 Stress Report snapshot
Current distress, phase, housing and lender-pressure figures for 21040, drawn from the same report attached to each property.
Harford County ZIPs near 21040
Nearest ZIP codes to 21040
By straight-line distance between ZIP centers — the surrounding market, whichever county or state line it crosses.
More distress data near 21040
Other reports tied to Harford County, Maryland — ZIP, county and statewide.
Unlock the full ZIP 21040 acquisition report
The full 21040 file lists each distressed parcel with owner, address, APN, per-property score, bank exposure and exit-velocity read, and carries it straight through to owner and lender records. Refreshed continuously.
No modelling: every input is a public record · methodology