ZIP 21540 Foreclosure, Tax-Lien & Distress Report

ZIP code 21540 in Allegany County, Maryland carries a composite property-distress score of 21/100 — a low reading on DLRadar's deterministic public-record index. Latent structural risk is 50/100 while live distress already moving reads 3/100. It additionally carries heavy environmental risk: flood (NFIP) exposure (92/100). Its heaviest discrete signals: construction/permit lag (64/100), structural risk (50/100), institutional ownership (20/100). By contrast, institutional ownership (20/100) 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.