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County and ZIP distress scoring, market phase, and the deals that surfaced today.

ZIP 21536 Foreclosure, Tax-Lien & Distress Report

Garrett County, Maryland · Affordable market

DLRadar grades ZIP 21536 (Garrett County, Maryland) at a minimal 11/100 for overall property distress. The sharpest non-environmental signals are construction/permit lag (33/100), structural risk (28/100), institutional ownership (18/100). institutional ownership (18/100) and mortgage stress (13/100) stay muted. Environmental exposure also runs high (flood (NFIP) exposure (78/100)). The split runs 28/100 structural to 4/100 active on the ground.

The market reads expansion — home values rose 5.3% year on year, and 23% higher over three years (phase confidence 38/100). Even climbing markets leave specific parcels in distress; the scoring isolates them.

Educational attainment sits at 21% bachelor's-or-above. There are about 1,756 housing units across 21536. 3,829 residents call 21536 home, typically aged 47. Around 22% of renters are cost-burdened. The poverty rate is 14.7%. The typical home is worth about $201,300 (2.9× income, relatively affordable). Households earn a median $69,677 — near the roughly $78,000 national figure. On demographic stress specifically, 21536 scores 26/100. Owners hold 79% of homes, renters 21%. Vacancy runs 8.3%.

Net-net, 21536 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. No parcel file is published for 21536 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

No ZIP is too small to score: 21536 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 11/100 composite is a like-for-like number rather than an isolated estimate. Nothing here is interpolated — where a source is thin for 21536, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

The 11/100 for 21536 sums independent layers - foreclosure, mortgage, tax-lien, lender headwind and structural risk - so the mix behind the number matters as much as the number. The point of the 21536 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.

11/100
Composite stress
28/100
Structural risk
4/100
Distress activity

Distress signal breakdown — ZIP 21536

Foreclosure activity0
Mortgage stress13
Climate / FEMA risk16
Nine more distress signals are scored here

Delinquent tax, institutional holdings, insurance strain, flood/NFIP exposure, build-out lag, price dislocation and auction pace — along with the 0 individual distressed properties are listed in full, with owner, address, APN, per-parcel score and exit-velocity read.

Snapshot: 21536 by the numbers

The live 21536 panel — distress score, market phase, housing and bank pressure — as attached to every individual property.

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See who owns each distressed property in 21536, where it is, its APN and score, the bank behind it and how fast it should exit — then fund and close it in one click. Continuously refreshed, nationwide.

No modelling: every input is a public record · methodology

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