ZIP 21085 Property Distress & Foreclosure Data

ZIP code 21085 in Harford County, Maryland carries a composite property-distress score of 25/100 — a low reading on DLRadar's deterministic public-record index. Structural risk reads 58/100 against active distress of 2/100. Climate and flood risk are elevated too — flood (NFIP) exposure (84/100), climate & FEMA risk (79/100). What sets it apart are the readings on construction/permit lag (73/100), structural risk (58/100), institutional ownership (19/100). institutional ownership (19/100) and mortgage stress (7/100) stay muted.

Prices here sit in a peak phase: values rose 2.8% over the trailing year, and 20% higher over three years, at 30/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

Vacancy runs 7.3%. Households earn a median $107,975 — above the roughly $78,000 national figure. A median home runs $348,600 here, or 3.0 times local income. The tenure split is 82% owner-occupied to 18% rented. On demographic stress specifically, 21085 scores 25/100. Rent burden reaches 29% of tenant households. There are about 7,169 housing units across 21085. About 31% have a four-year degree. 16,511 residents call 21085 home, typically aged 43. Roughly 7.6% live below the poverty line.

Overall, 21085 shows a mixed profile — neither uniformly stressed nor insulated — so opportunity is property-specific. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.