ZIP 21539 Foreclosure, Tax-Lien & Distress Report

On DLRadar's 0-100 distress scale, ZIP 21539 in Garrett County, Maryland comes in at 14, a minimal composite-distress reading. Structural risk reads 34/100 against active distress of 3/100. Climate and flood risk are elevated too — flood (NFIP) exposure (83/100). Its heaviest discrete signals: structural risk (34/100), construction/permit lag (30/100), institutional ownership (19/100). By contrast, institutional ownership (19/100) and mortgage stress (11/100) register low.

The market reads peak — home values rose 3.7% year on year, and 17% higher over three years, at 21/100 phase confidence. Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

69% of housing is owner-occupied. There are about 1,141 housing units across 21539. The typical home is worth about $130,200 (2.1× income, relatively affordable). At $51,667, median income runs below typical U.S. levels. About 1,846 people live here, median age 48. The vacancy rate is 24.2% — elevated. The poverty rate is 20.4% — high, a tax-stress and distress correlate. The demographic-stress sub-score lands at 32/100. Around 18% of adults hold a bachelor's degree or higher. Rent burden reaches 48% of tenant households.

On the whole, 21539 leans distressed, with opportunity clustered in specific stressed parcels. There is no property file for 21539 at the moment; the composite and its components are still built from verifiable records.

The 21539 read uses the identical scoring model applied coast to coast, which means its 14/100 score means exactly what it means anywhere else, and 21539 stays directly comparable to neighboring ZIPs and the rest of Garrett County, Maryland. Where the record is thin for 21539, the field stays empty rather than modeled, and fills in as new documents post.

The 14/100 figure for 21539 is a composite, not one metric: it rolls up foreclosure and pre-foreclosure activity, mortgage stress, tax delinquency and liens, local lender headwind, and structural risk into a single reading, which is why a ZIP can look calm on price yet score high on distress. In workflow terms, 21539 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.