ZIP 21540 Foreclosure, Tax-Lien & Distress Report
Allegany County, Maryland · High Vacancy market
ZIP code 21540 in Allegany County, Maryland carries a composite property-distress score of 21/100 — a low reading on DLRadar's deterministic distress index. Latent structural risk is 50/100 while live distress already moving reads 3/100. It additionally carries heavy environmental risk: flood (NFIP) exposure (93/100). Its heaviest discrete signals: construction/permit lag (61/100), structural risk (50/100), institutional ownership (21/100). By contrast, institutional ownership (21/100) and mortgage stress (10/100) register low.
Prices here sit in a peak phase: values rose 1.6% over the trailing year (phase confidence 20/100). Near a top, distress surfaces unevenly, so parcel screening beats headline strength.
A median home runs $51,000 here, or 0.7 times local income. There are about 47 housing units across 21540. About 93 people live here, median age 44. DLRadar's demographic-stress index for the area reads 17/100. The tenure split is 81% owner-occupied to 19% rented. Vacancy runs 32.7%, above the national norm and a classic distress-and-opportunity signal. Rent burden reaches 0% of tenant households. Roughly 5.4% live below the poverty line, a low share typical of higher-equity areas. Households earn a median $73,125 — near the roughly $78,000 national figure. Educational attainment sits at 14% bachelor's-or-above.
Net-net, 21540 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.
The number is not local guesswork: 21540's 21/100 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 21540 reflects the current record instead of a stale or modeled snapshot.
Each component behind 21540 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 21/100 roll-up. In workflow terms, 21540 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.
ZIP 21540 distress signals, scored
Tax arrears, institutional buyers, insurance load, flood exposure, stalled construction, dislocated pricing and auction velocity — together with the 0 individual distressed properties carry owner, address, APN, a parcel-level score and an exit read in the full DLRadar file.
Snapshot: 21540 by the numbers
21540 live: composite distress, market phase, housing detail and lender pressure, identical to the per-property report.
Other Allegany County ZIP codes
Nearest ZIP codes to 21540
By straight-line distance between ZIP centers — the surrounding market, whichever county or state line it crosses.
More distress data near 21540
Keep going: ZIP, county and state distress coverage for Allegany County, Maryland.
Get the full acquisition report for 21540
See who owns each distressed property in 21540, where it is, its APN and score, the bank behind it and how fast it should exit — then open its owner and lender records in one click. Continuously refreshed, nationwide.
Each signal above is traceable to an open dataset · methodology