ZIP 21154 Foreclosure, Tax-Lien & Distress Report

In Harford County, Maryland, ZIP 21154 scores 24 of 100 for composite distress, a low level on DLRadar's distress index. Its standout signals are construction/permit lag (66/100), structural risk (56/100), institutional ownership (19/100). By contrast, institutional ownership (19/100) and mortgage stress (7/100) register low. It additionally carries heavy environmental risk: flood (NFIP) exposure (83/100), climate & FEMA risk (78/100). Structural risk reads 56/100 against active distress of 2/100.

Prices here sit in a peak phase: values rose 2.2% over the trailing year, and 7% higher over three years, at 21/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

There are about 2,692 housing units across 21154. The demographic-stress sub-score lands at 33/100. Households earn a median $100,583 — above the roughly $78,000 national figure. The tenure split is 86% owner-occupied to 14% rented. Rent burden reaches 45% of tenant households. A median home runs $455,400 here, or 4.6 times local income. Educational attainment sits at 30% bachelor's-or-above. Vacancy runs 10.6%. 8.1% of residents fall below the poverty threshold. 7,187 residents call 21154 home, typically aged 48.

Broadly, 21154 is a steadier market — the deals are the exceptions, not the rule. 21154 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.

The number is not local guesswork: 21154's 24/100 comes from the same nationwide foreclosure, tax, mortgage and lender model, making it directly comparable anywhere. Sparse data for 21154 shows as blanks, never estimates, and the score updates on every fresh public filing.

21154's score blends several independent layers — foreclosure and mortgage stress, tax and lien delinquency, bank headwind and structural exposure — into one 0–100 number, so understanding the components matters as much as the headline for anyone screening the ZIP. For a buyer, 21154 is one row in a larger workflow: confirm the score, pull the distressed parcels behind it, then move from signal to funded, closed acquisition through DLRadar.