ZIP 21047 Foreclosure, Tax-Lien & Distress Report

ZIP code 21047 in Harford County, Maryland carries a composite property-distress score of 24/100 — a low reading on DLRadar's deterministic distress index. Latent structural risk is 56/100 while live distress already moving reads 2/100. It additionally carries heavy environmental risk: flood (NFIP) exposure (83/100), climate & FEMA risk (78/100). The pressure is most legible in construction/permit lag (66/100), structural risk (56/100), institutional ownership (19/100). By contrast, institutional ownership (19/100) and mortgage stress (7/100) register low.

The market reads peak — home values rose 2.2% year on year, and 17% higher over three years (phase confidence 21/100). Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

A median home runs $552,500 here, or 3.3 times local income. About 53% have a four-year degree. There are about 4,899 housing units across 21047. At $154,524, median income runs above typical U.S. levels. The vacancy rate is 1.5%. The poverty rate is 3.9% — low. 97% of housing is owner-occupied. Rent burden reaches 36% of tenant households. Population is roughly 13,540 with a median age of 47. The demographic-stress sub-score lands at 22/100.

On balance, 21047 reads as a higher-equity, stable market where distress is selective and worth pinpointing parcel by parcel. While 21047 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

The number is not local guesswork: 21047's 24/100 comes from the same nationwide foreclosure, tax, mortgage and lender model, making it directly comparable anywhere. The score is rebuilt from public data as it updates, so 21047 reflects the current record instead of a stale or modeled snapshot.

The 24/100 figure for 21047 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. Treat 21047 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.