ZIP 21209 Foreclosure, Tax-Lien & Distress Report

Scored purely from public records, 21209 (Baltimore County, Maryland) returns a low composite of 26/100. It additionally carries heavy environmental risk: climate & FEMA risk (94/100), flood (NFIP) exposure (83/100). The sharpest non-environmental signals are construction/permit lag (60/100), structural risk (59/100), institutional ownership (19/100). By contrast, institutional ownership (19/100) and mortgage stress (8/100) register low. Structural risk reads 59/100 against active distress of 3/100.

The market reads peak — home values rose 2.2% year on year, and 14% higher over three years, at 21/100 phase confidence. Topping markets hide individual distress behind strong averages.

30,766 residents call 21209 home, typically aged 36. The typical home is worth about $440,800 (4.8× income). On demographic stress specifically, 21209 scores 32/100. Around 60% of adults hold a bachelor's degree or higher. Vacancy runs 4.0%. The ZIP holds roughly 12,071 housing units. The tenure split is 57% owner-occupied to 43% rented. Rent burden reaches 46% of tenant households. Households earn a median $87,669 — above the roughly $78,000 national figure. Roughly 7.2% live below the poverty line, a low share typical of higher-equity areas.

Net-net, 21209 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.

No ZIP is too small to score: 21209 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 26/100 composite is a like-for-like number rather than an isolated estimate. The score is rebuilt from public data as it updates, so 21209 reflects the current record instead of a stale or modeled snapshot.

The 26/100 figure for 21209 is a composite, not one metric: it rolls up foreclosure and pre-foreclosure activity, mortgage stress, tax delinquency and liens, local lender headwind, and structural risk into a single reading, which is why a ZIP can look calm on price yet score high on distress. The point of the 21209 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.