ZIP 21074 Property Distress & Foreclosure Data

Composite property distress in 21074 (Carroll County, Maryland) lands at 18/100 — low on DLRadar's public-record scoring. Structural risk reads 40/100 against active distress of 2/100. The sharpest non-environmental signals are structural risk (40/100), institutional ownership (16/100), construction/permit lag (15/100). By contrast, construction/permit lag (15/100) and mortgage stress (7/100) register low. It additionally carries heavy environmental risk: climate & FEMA risk (75/100), flood (NFIP) exposure (72/100).

The market reads peak — home values rose 2.8% year on year, and 17% higher over three years, at 30/100 phase confidence. Topping markets hide individual distress behind strong averages.

86% of housing is owner-occupied. The typical home is worth about $378,100 (3.5× income, relatively affordable). At $101,462, median income runs above typical U.S. levels. There are about 6,054 housing units across 21074. About 15,070 people live here, median age 42. Vacancy runs 1.7%. The demographic-stress sub-score lands at 23/100. Around 36% of adults hold a bachelor's degree or higher. The poverty rate is 2.0% — low. Rent burden reaches 27% of tenant households.

Overall 21074 looks resilient on the surface, so the edge is isolating individual stressed parcels. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.