ZIP 21157 Foreclosure, Tax-Lien & Distress Report
Carroll County, Maryland · Distress market
In Carroll County, Maryland, ZIP 21157 scores 18 of 100 for composite distress, a low level on DLRadar's public-record index. Structural risk reads 41/100 against active distress of 2/100. It additionally carries heavy environmental risk: climate & FEMA risk (67/100), flood (NFIP) exposure (64/100). The sharpest non-environmental signals are structural risk (41/100), construction/permit lag (34/100), institutional ownership (15/100). On the quiet end sit institutional ownership (15/100) and mortgage stress (6/100).
The market reads peak — home values rose 2.2% year on year, and 16% higher over three years (phase confidence 21/100). Topping markets hide individual distress behind strong averages.
There are about 15,471 housing units across 21157. Educational attainment sits at 37% bachelor's-or-above. Owners hold 76% of homes, renters 24%. The vacancy rate is 5.3%. Population is roughly 40,191 with a median age of 42. Roughly 7.5% live below the poverty line. Households earn a median $102,835 — above the roughly $78,000 national figure. Around 46% of renters are cost-burdened. Home values center near $424,100, an affordability ratio of 3.8× — accessible. DLRadar's demographic-stress index for the area reads 30/100.
Broadly, 21157 is a steadier market — the deals are the exceptions, not the rule. No parcel file is published for 21157 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.
No ZIP is too small to score: 21157 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 18/100 composite is a like-for-like number rather than an isolated estimate. Every figure is auditable to a public dataset and refreshed on ingest; 21157 shows blanks, not estimates, wherever the record is sparse.
Behind 21157'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. For an operator, 21157 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.
What is driving ZIP 21157’s distress
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.
The 21157 distress snapshot
Real-time distress, cycle phase, housing and bank-stress readings for 21157, the same set carried on every parcel.
Other Carroll County ZIP codes
Keep exploring Maryland distress
Further distress data across Carroll County, Maryland at ZIP, county and state level.
See every distressed parcel in 21157
Every distressed parcel in 21157 comes with owner and address, APN, its own distress score, bank exposure and an exit-velocity read — plus a one-click path to funding and closing, refreshed continuously nationwide.
Deterministic scoring, sourced entirely from public data · methodology