ZIP 21221 Foreclosure, Tax-Lien & Distress Report
Baltimore County, Maryland · Distress market
DLRadar grades ZIP 21221 (Baltimore County, Maryland) at a low 22/100 for overall property distress. Structural exposure scores 49 and live distress 2 on the 0–100 scale. What sets it apart are the readings on structural risk (49/100), institutional ownership (20/100), construction/permit lag (13/100). On the quiet end sit construction/permit lag (13/100) and mortgage stress (8/100). It additionally carries heavy environmental risk: climate & FEMA risk (94/100), flood (NFIP) exposure (88/100).
The peak-phase market in 21221 posted values that rose 2.2% over the year, and 19% higher over three years, at 21/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.
43,536 residents call 21221 home, typically aged 42. The ZIP holds roughly 18,442 housing units. Vacancy runs 6.7%. Rent burden reaches 46% of tenant households. Home values center near $271,500, an affordability ratio of 4.0× — accessible. Around 20% of adults hold a bachelor's degree or higher. The tenure split is 59% owner-occupied to 41% rented. On demographic stress specifically, 21221 scores 35/100. Households earn a median $67,368 — below the roughly $78,000 national figure. Roughly 12.8% live below the poverty line.
Overall, 21221 shows a mixed profile — neither uniformly stressed nor insulated — so opportunity is property-specific. 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: 21221 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 22/100 composite is a like-for-like number rather than an isolated estimate. Every figure is auditable to a public dataset and refreshed as records update; 21221 shows blanks, not estimates, wherever the record is sparse.
The 22/100 figure for 21221 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. Treat 21221 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.
Signal-by-signal read on 21221
Tax delinquency, institutional ownership, insurance pressure, NFIP/flood, construction lag, price dislocation and auction velocity — plus the 0 individual distressed properties — each with owner, address, APN, its own distress score and an exit read — are in the full report.
ZIP 21221 Stress Report snapshot
The live 21221 panel — distress score, market phase, housing and bank pressure — as attached to every individual property.
Baltimore County ZIPs near 21221
Nearest ZIP codes to 21221
By straight-line distance between ZIP centers — the surrounding market, whichever county or state line it crosses.
Related reports across Baltimore County, Maryland
Related ZIP, county and statewide reads linked to Baltimore County, Maryland.
Unlock parcel-level detail for ZIP 21221
Open 21221 parcel by parcel: owner, address, APN, individual distress score, lender exposure, exit-velocity estimate, and owner and lender records in a single click. Updated continuously across the country.
Deterministic scoring, sourced entirely from public data · methodology