ZIP 21048 Foreclosure, Tax-Lien & Distress Report

Composite property distress in 21048 (Carroll County, Maryland) lands at 18/100 — low on DLRadar's public-record scoring. The most distinctive pressure shows up in structural risk (41/100), construction/permit lag (34/100), institutional ownership (15/100). institutional ownership (15/100) and mortgage stress (6/100) stay muted. It additionally carries heavy environmental risk: climate & FEMA risk (67/100), flood (NFIP) exposure (64/100). The latent-versus-live split is 41/100 structural and 2/100 already moving.

The market reads peak — home values rose 2.2% year on year, and 18% higher over three years, at 21/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

2.2% of residents fall below the poverty threshold. Population is roughly 10,002 with a median age of 45. Vacancy runs 2.3%. 94% of housing is owner-occupied. Around 46% of renters are cost-burdened. DLRadar's demographic-stress index for the area reads 25/100. Median household income is $122,801, above the U.S. median near $78,000. A median home runs $459,000 here, or 3.5 times local income. About 44% have a four-year degree. There are about 3,824 housing units across 21048.

Overall 21048 looks resilient on the surface, so the edge is isolating individual stressed parcels. Parcel-level detail for 21048 is not published yet -- the ZIP-level readings above remain fully sourced to public records.

Big metro or rural, 21048 runs through one identical public-record model, so its 18/100 sits on the same scale as every other ZIP in Carroll County, Maryland and the nation. Sparse data for 21048 shows as blanks, never estimates, and the score updates on every fresh public filing.

21048's score blends several independent layers — foreclosure and mortgage stress, tax and lien delinquency, bank headwind and structural exposure — into one 0–100 number, so understanding the components matters as much as the headline for anyone screening the ZIP. For an operator, 21048 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.