ZIP 21102 Foreclosure, Tax-Lien & Distress Report

On DLRadar's 0-100 public-record scale, ZIP 21102 in Carroll County, Maryland comes in at 18, a low composite-distress reading. It additionally carries heavy environmental risk: climate & FEMA risk (74/100), flood (NFIP) exposure (70/100). Its heaviest discrete signals: structural risk (41/100), construction/permit lag (21/100), institutional ownership (16/100). By contrast, institutional ownership (16/100) and mortgage stress (7/100) register low. Structural risk reads 41/100 against active distress of 2/100.

The peak-phase market in 21102 posted values that rose 2.2% over the year, and 17% higher over three years, at 21/100 phase confidence. Topping markets hide individual distress behind strong averages.

Home values center near $392,800, an affordability ratio of 3.1× — accessible. 89% of housing is owner-occupied. 12,176 residents call 21102 home, typically aged 45. The ZIP holds roughly 4,511 housing units. The poverty rate is 4.1% — low. Median household income is $119,535, above the U.S. median near $78,000. Vacancy runs 1.4%. Rent burden reaches 63% of tenant households. Educational attainment sits at 32% bachelor's-or-above. DLRadar's demographic-stress index for the area reads 29/100.

Broadly, 21102 is a steadier market — the deals are the exceptions, not the rule. Parcel-level detail for 21102 is not published yet -- the ZIP-level readings above remain fully sourced to public records.

Whether 21102 runs hot or quiet, its 18/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 21102 can be compared directly against any other ZIP in Carroll County, Maryland or nationwide. The score is rebuilt from public data as it updates, so 21102 reflects the current record instead of a stale or modeled snapshot.

Behind 21102's composite sit distinct signals (foreclosure, mortgage, tax-lien, lender and structural), each scored on its own before rolling up, so two ZIPs with the same total can describe very different situations on the ground. For a buyer, 21102 is one row in a larger workflow: confirm the score, pull the distressed parcels behind it, then move from signal to funded, closed acquisition through DLRadar.