ZIP 21520 Foreclosure, Tax-Lien & Distress Report
Garrett County, Maryland · High Vacancy market
Composite property distress in 21520 (Garrett County, Maryland) lands at 10/100 — minimal on DLRadar's distress scoring. It additionally carries heavy environmental risk: flood (NFIP) exposure (77/100). Property-level stress concentrates in structural risk (25/100), construction/permit lag (23/100), institutional ownership (17/100). On the quiet end sit institutional ownership (17/100) and mortgage stress (13/100). Structural risk reads 25/100 against active distress of 4/100.
The expansion-phase market in 21520 posted values that rose 5.3% over the year, and 35% higher over three years (phase confidence 38/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.
Owners hold 79% of homes, renters 21%. The ZIP holds roughly 978 housing units. Population is roughly 2,327 with a median age of 39. Educational attainment sits at 29% bachelor's-or-above. A median home runs $298,600 here, or 4.3 times local income. Median household income is $63,631, below the U.S. median near $78,000. Vacancy runs 17.6%, above the national norm and a classic distress-and-opportunity signal. DLRadar's demographic-stress index for the area reads 29/100. The poverty rate is 7.9%. Rent burden reaches 21% of tenant households.
Taken together, 21520 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.
Because one deterministic model scores every ZIP, 21520's 10/100 can be lined up against any neighbor in Garrett County, Maryland or any ZIP coast to coast. 21520 carries no interpolated values - each figure ties to a public source and refreshes the moment new records land.
The 10/100 for 21520 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, 21520 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.
What is driving ZIP 21520’s distress
Tax arrears, institutional buyers, insurance load, flood exposure, stalled construction, dislocated pricing and auction velocity — together with the 0 individual distressed properties — each with owner, address, APN, its own distress score and an exit read — are in the full report.
21520 at a glance
Current distress, phase, housing and lender-pressure figures for 21520, drawn from the same report attached to each property.
Nearby ZIPs in Garrett County
Nearest ZIP codes to 21520
By straight-line distance between ZIP centers — the surrounding market, whichever county or state line it crosses.
Keep exploring Maryland distress
Related ZIP, county and statewide reads linked to Garrett County, Maryland.
Unlock parcel-level detail for ZIP 21520
Get every distressed property in 21520 with owner, address, APN, per-property distress score, bank exposure, exit-velocity read and a one-click path to owner and lender records. Nationwide, refreshed continuously.
Each signal above is traceable to an open dataset · methodology