ZIP 21132 Foreclosure, Tax-Lien & Distress Report
Harford County, Maryland · Distress market
Composite property distress in 21132 (Harford County, Maryland) lands at 25/100 — low on DLRadar's public-record scoring. The most distinctive pressure shows up in construction/permit lag (70/100), structural risk (57/100), institutional ownership (19/100). By contrast, institutional ownership (19/100) and mortgage stress (7/100) register low. Structural exposure scores 57 and live distress 2 on the 0–100 scale. Environmental exposure also runs high (flood (NFIP) exposure (83/100), climate & FEMA risk (78/100)).
Prices here sit in a peak phase: values rose 2.2% over the trailing year, and 17% higher over three years, at 21/100 phase confidence. Near a top, distress surfaces unevenly, so parcel screening beats headline strength.
On demographic stress specifically, 21132 scores 35/100. Roughly 4.5% live below the poverty line, a low share typical of higher-equity areas. The ZIP holds roughly 1,180 housing units. Rent burden reaches 100% of tenant households. Median household income is $150,119, above the U.S. median near $78,000. Home values center near $485,600, an affordability ratio of 3.4× — accessible. Around 35% of adults hold a bachelor's degree or higher. Vacancy runs 9.9%. About 2,904 people live here, median age 42. Owners hold 98% of homes, renters 2%.
On balance 21132 is mixed, rewarding parcel-by-parcel screening over broad assumptions. There is no property file for 21132 at the moment; the composite and its components are still built from verifiable public records.
No ZIP is too small to score: 21132 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 25/100 composite is a like-for-like number rather than an isolated estimate. The score is rebuilt from public data as it updates, so 21132 reflects the current record instead of a stale or modeled snapshot.
21132's headline rolls up several separately-scored signals, which is why two ZIPs can share a composite yet face very different distress. For an operator, 21132 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.
Distress signal breakdown — ZIP 21132
Delinquency on tax, investor concentration, insurance pressure, NFIP flood, lagging construction, price dislocation and sale velocity — and the 0 individual distressed properties come with owner, address, APN, an individual score and an exit read in the complete report.
Snapshot: 21132 by the numbers
Current distress, phase, housing and lender-pressure figures for 21132, drawn from the same report attached to each property.
Neighbouring ZIPs in Harford County
Related reports across Harford County, Maryland
Further distress data across Harford County, Maryland at ZIP, county and state level.
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Built from public records, scored the same way everywhere · methodology