ZIP 21104 Foreclosure, Tax-Lien & Distress Report

ZIP code 21104 in Howard County, Maryland carries a composite property-distress score of 26/100 — a low reading on DLRadar's deterministic distress index. Climate and flood risk are elevated too — climate & FEMA risk (77/100), flood (NFIP) exposure (68/100). The sharpest non-environmental signals are construction/permit lag (94/100), structural risk (60/100), institutional ownership (16/100). By contrast, institutional ownership (16/100) and mortgage stress (6/100) register low. Latent structural risk is 60/100 while live distress already moving reads 2/100.

Prices here sit in a peak phase: values rose 2.2% over the trailing year, and 20% higher over three years (phase confidence 21/100). Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

About 5,786 people live here, median age 46. A median home runs $680,200 here, or 3.3 times local income. Median household income is $199,803, above the U.S. median near $78,000. The vacancy rate is 2.7%. Rent burden reaches 100% of tenant households. DLRadar's demographic-stress index for the area reads 31/100. The tenure split is 97% owner-occupied to 3% rented. About 63% have a four-year degree. The ZIP holds roughly 2,204 housing units. Roughly 2.5% live below the poverty line, a low share typical of higher-equity areas.

Net-net, 21104 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.

The 21104 read uses the identical scoring model applied coast to coast, which means its 26/100 score means exactly what it means anywhere else, and 21104 stays directly comparable to neighboring ZIPs and the rest of Howard County, Maryland. The score is rebuilt from public data as it updates, so 21104 reflects the current record instead of a stale or modeled snapshot.

Behind 21104'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. In workflow terms, 21104 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.