ZIP 21131 Foreclosure, Tax-Lien & Distress Report

In Baltimore County, Maryland, ZIP 21131 scores 22 of 100 for composite distress, a low level on DLRadar's public-record index. Structural risk reads 49/100 against active distress of 2/100. It additionally carries heavy environmental risk: climate & FEMA risk (94/100), flood (NFIP) exposure (88/100). The most distinctive pressure shows up in structural risk (49/100), institutional ownership (20/100), construction/permit lag (15/100). By contrast, construction/permit lag (15/100) and mortgage stress (8/100) register low.

The market reads peak — home values rose 2.2% year on year, and 14% higher over three years (phase confidence 21/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

The poverty rate is 3.4% — low. The vacancy rate is 5.9%. Median household income is $187,250, above the U.S. median near $78,000. Around 72% of adults hold a bachelor's degree or higher. On demographic stress specifically, 21131 scores 19/100. About 7,050 people live here, median age 49. There are about 2,658 housing units across 21131. Home values center near $686,000, an affordability ratio of 3.5× — accessible. The tenure split is 99% owner-occupied to 1% rented.

Broadly, 21131 is a steadier market — the deals are the exceptions, not the rule. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.

Big metro or rural, 21131 runs through one identical public-record model, so its 22/100 sits on the same scale as every other ZIP in Baltimore County, Maryland and the nation. The score is rebuilt from public data as it updates, so 21131 reflects the current record instead of a stale or modeled snapshot.

Each component behind 21131 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 22/100 roll-up. Practically, 21131 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.