ZIP 21538 Foreclosure, Tax-Lien & Distress Report
Garrett County, Maryland · High Vacancy market
ZIP code 21538 in Garrett County, Maryland carries a composite property-distress score of 11/100 — a minimal reading on DLRadar's deterministic public-record index. Property-level stress concentrates in construction/permit lag (33/100), structural risk (28/100), institutional ownership (18/100). By contrast, structural risk (28/100) and institutional ownership (18/100) register low. It additionally carries heavy environmental risk: flood (NFIP) exposure (78/100). Structurally it carries 28/100, against 0/100 of stress already in motion.
The market reads expansion — home values rose 5.3% year on year, at 38/100 phase confidence. Even climbing markets leave specific parcels in distress; the scoring isolates them.
Around 0% of renters are cost-burdened. Roughly 7.6% live below the poverty line. Educational attainment sits at 9% bachelor's-or-above. Households earn a median $83,913 — near the roughly $78,000 national figure. 605 residents call 21538 home, typically aged 38. The tenure split is 83% owner-occupied to 17% rented. The ZIP holds roughly 421 housing units. On demographic stress specifically, 21538 scores 21/100. The vacancy rate is 21.9% — elevated.
On the whole, 21538 leans distressed, with opportunity clustered in specific stressed parcels. 21538 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.
Because one deterministic model scores every ZIP, 21538's 11/100 can be lined up against any neighbor in Garrett County, Maryland or any ZIP coast to coast. The score is rebuilt from public data as it updates, so 21538 reflects the current record instead of a stale or modeled snapshot.
21538's headline rolls up several separately-scored signals, which is why two ZIPs can share a composite yet face very different distress. For a buyer, 21538 is one row in a larger workflow: confirm the score, pull the distressed parcels behind it, then move from signal to funded, closed acquisition through DLRadar.
Distress signal breakdown — ZIP 21538
Tax-delinquent parcels, institutional ownership, insurance strain, flood risk, construction lag, price dislocation and auction speed — 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 21538 Stress Report snapshot
Live ZIP-level distress, market-phase, housing and bank-pressure read — the same report attached to every property.
Other Garrett County ZIP codes
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The complete 21538 distress and acquisition report
Pull every distressed parcel in 21538 — owner, address, APN, distress score, lender exposure and exit read — with funding and closing one click away. Nationwide coverage, continuously updated.
No modelling: every input is a public record · methodology