ZIP 21204 Foreclosure, Tax-Lien & Distress Report

In Baltimore County, Maryland, ZIP 21204 scores 22 of 100 for composite distress, a low level on DLRadar's public-record index. What sets it apart are the readings on structural risk (49/100), institutional ownership (20/100), construction/permit lag (15/100). On the quiet end sit construction/permit lag (15/100) and mortgage stress (8/100). On the structural side it scores 49/100, with 2/100 of stress already active. It additionally carries heavy environmental risk: climate & FEMA risk (94/100), flood (NFIP) exposure (88/100).

The market reads peak — home values rose 2.2% year on year, and 5% higher over three years, at 21/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

Around 40% of renters are cost-burdened. 14.9% of residents fall below the poverty threshold. At $98,452, median income runs above typical U.S. levels. On demographic stress specifically, 21204 scores 36/100. There are about 9,588 housing units across 21204. Vacancy runs 10.1%. Around 73% of adults hold a bachelor's degree or higher. Owners hold 46% of homes, renters 54%. The typical home is worth about $594,800 (5.8× income). 19,605 residents call 21204 home, typically aged 34.

On balance, 21204 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.

Big metro or rural, 21204 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 21204 reflects the current record instead of a stale or modeled snapshot.

The 22/100 for 21204 sums independent layers - foreclosure, mortgage, tax-lien, lender headwind and structural risk - so the mix behind the number matters as much as the number. Practically, 21204 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.