ZIP 21120 Foreclosure, Tax-Lien & Distress Report

ZIP 21120's composite property-distress score is 22/100 - DLRadar classes that as low for Baltimore County, Maryland. On the structural side it scores 49/100, with 2/100 of stress already active. Its standout signals are structural risk (49/100), institutional ownership (20/100), construction/permit lag (15/100). construction/permit lag (15/100) and mortgage stress (8/100) stay muted. Environmental exposure also runs high (climate & FEMA risk (94/100), flood (NFIP) exposure (88/100)).

The market reads peak — home values rose 2.2% year on year, and 15% higher over three years, at 21/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

Owners hold 95% of homes, renters 5%. Around 22% of renters are cost-burdened. The typical home is worth about $580,900 (3.5× income, relatively affordable). Around 62% of adults hold a bachelor's degree or higher. The vacancy rate is 1.1%. 2.7% of residents fall below the poverty threshold. The ZIP holds roughly 2,622 housing units. The demographic-stress sub-score lands at 20/100. About 7,286 people live here, median age 41. At $157,275, median income runs above typical U.S. levels.

On balance, 21120 reads as a higher-equity, stable market where distress is selective and worth pinpointing parcel by parcel. There is no property file for 21120 at the moment; the composite and its components are still built from verifiable public records.

The 21120 read uses the identical public-record model applied coast to coast, which means its 22/100 score means exactly what it means anywhere else, and 21120 stays directly comparable to neighboring ZIPs and the rest of Baltimore County, Maryland. Where the public record is thin for 21120, the field stays empty rather than modeled, and fills in as new documents post.

Each component behind 21120 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 22/100 roll-up. Practically, 21120 works as a screen — verify the reading, drill to the specific parcels driving it, and carry the deal through capital and closing on the platform.