ZIP 21520 Foreclosure, Tax-Lien & Distress Report

Composite property distress in 21520 (Garrett County, Maryland) lands at 11/100 — minimal on DLRadar's public-record scoring. It additionally carries heavy environmental risk: flood (NFIP) exposure (78/100). Property-level stress concentrates in construction/permit lag (33/100), structural risk (28/100), institutional ownership (18/100). On the quiet end sit institutional ownership (18/100) and mortgage stress (13/100). Structural risk reads 28/100 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 11/100 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 11/100 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.