ZIP 21523 Foreclosure, Tax-Lien & Distress Report
Garrett County, Maryland · Affordable market
In Garrett County, Maryland, ZIP 21523 scores 10 of 100 for composite distress, a minimal level on DLRadar's distress index. It additionally carries heavy environmental risk: flood (NFIP) exposure (77/100). The split runs 25/100 structural to 4/100 active on the ground. The most distinctive pressure shows up in structural risk (25/100), construction/permit lag (23/100), institutional ownership (17/100). By contrast, institutional ownership (17/100) and mortgage stress (13/100) register low.
The market reads expansion — home values rose 5.3% year on year, at 38/100 phase confidence. Appreciation rarely lifts every parcel — the laggards are the opportunity.
The ZIP holds roughly 60 housing units. The poverty rate is 9.1%. Home values center near $98,100, an affordability ratio of 1.5× — accessible. Around 0% of renters are cost-burdened. Educational attainment sits at 33% bachelor's-or-above. 165 residents call 21523 home, typically aged 38. Households earn a median $70,347 — near the roughly $78,000 national figure. On demographic stress specifically, 21523 scores 15/100. Vacancy runs 0.0%. The tenure split is 88% owner-occupied to 12% rented.
Overall, 21523 shows a mixed profile — neither uniformly stressed nor insulated — so opportunity is property-specific. There is no property file for 21523 at the moment; the composite and its components are still built from verifiable records.
The number is not local guesswork: 21523's 10/100 comes from the same nationwide foreclosure, tax, mortgage and lender model, making it directly comparable anywhere. The score is rebuilt from public data as it updates, so 21523 reflects the current record instead of a stale or modeled snapshot.
The 10/100 for 21523 sums independent layers - foreclosure, mortgage, tax-lien, lender headwind and structural risk - so the mix behind the number matters as much as the number. Treat 21523 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.
What is driving ZIP 21523’s distress
Tax delinquency, institutional ownership, insurance pressure, NFIP/flood, construction lag, price dislocation and auction velocity — plus the 0 individual distressed properties carry owner, address, APN, a parcel-level score and an exit read in the full DLRadar file.
21523 at a glance
21523 live: composite distress, market phase, housing detail and lender pressure, identical to the per-property report.
Nearby ZIPs in Garrett County
Nearest ZIP codes to 21523
By straight-line distance between ZIP centers — the surrounding market, whichever county or state line it crosses.
Explore related distress reports
Keep going: ZIP, county and state distress coverage for Garrett County, Maryland.
See every distressed parcel in 21523
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Each signal above is traceable to an open dataset · methodology