ZIP 21158 Foreclosure, Tax-Lien & Distress Report

Carroll County, Maryland's ZIP 21158 registers 18/100 composite distress, which DLRadar reads as low. The sharpest non-environmental signals are structural risk (41/100), construction/permit lag (34/100), institutional ownership (15/100). By contrast, institutional ownership (15/100) and mortgage stress (6/100) register low. Structural risk reads 41/100 against active distress of 2/100. Environmental exposure also runs high (climate & FEMA risk (67/100), flood (NFIP) exposure (64/100)).

Prices here sit in a peak phase: values rose 2.2% over the trailing year, and 12% higher over three years, at 21/100 phase confidence. Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

Households earn a median $108,795 — above the roughly $78,000 national figure. The poverty rate is 5.3% — low. Rent burden reaches 33% of tenant households. DLRadar's demographic-stress index for the area reads 26/100. The vacancy rate is 5.1%. The ZIP holds roughly 8,768 housing units. About 36% have a four-year degree. A median home runs $384,700 here, or 3.5 times local income. 22,404 residents call 21158 home, typically aged 43. The tenure split is 80% owner-occupied to 20% rented.

On balance, 21158 reads as a higher-equity, stable market where distress is selective and worth pinpointing parcel by parcel. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.

The 21158 read uses the identical public-record model applied coast to coast, which means its 18/100 score means exactly what it means anywhere else, and 21158 stays directly comparable to neighboring ZIPs and the rest of Carroll County, Maryland. Where the public record is thin for 21158, the field stays empty rather than modeled, and fills in as new documents post.

21158'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, 21158 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.