ZIP 21104 Foreclosure, Tax-Lien & Distress Report
Howard County, Maryland · High Value market
ZIP code 21104 in Howard County, Maryland carries a composite property-distress score of 26/100 — a low reading on DLRadar's deterministic public-record index. Climate and flood risk are elevated too — climate & FEMA risk (77/100), flood (NFIP) exposure (70/100). 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 public-record 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.
Distress signal breakdown — ZIP 21104
Tax-delinquent parcels, institutional ownership, insurance strain, flood risk, construction lag, price dislocation and auction speed — plus the 0 individual distressed properties are broken out by owner, address, APN, per-property score and exit read inside DLRadar.
21104 at a glance
Current distress, phase, housing and lender-pressure figures for 21104, drawn from the same report attached to each property.
Adjacent Howard County ZIP reports
More distress data near 21104
Further distress data across Howard County, Maryland at ZIP, county and state level.
Open the complete 21104 acquisition file
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Deterministic scoring, sourced entirely from public data · methodology