ZIP 21541 Foreclosure, Tax-Lien & Distress Report
Garrett County, Maryland · High Vacancy market
ZIP 21541's composite property-distress score is 11/100 - DLRadar classes that as minimal for Garrett County, Maryland. 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. Climate and flood risk are elevated too — flood (NFIP) exposure (78/100). The latent-versus-live split is 28/100 structural and 4/100 already moving.
The expansion-phase market in 21541 posted values that rose 5.3% over the year, and 9% higher over three years (phase confidence 38/100). Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.
Rent burden reaches 16% of tenant households. On demographic stress specifically, 21541 scores 31/100. The poverty rate is 5.9% — low. Around 35% of adults hold a bachelor's degree or higher. Households earn a median $65,347 — below the roughly $78,000 national figure. Owners hold 75% of homes, renters 25%. Home values center near $342,500, an affordability ratio of 3.8× — accessible. 1,147 residents call 21541 home, typically aged 54. The ZIP holds roughly 1,929 housing units. The vacancy rate is 68.1% — elevated.
Net-net, 21541 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. Parcel-level detail for 21541 is not published yet -- the ZIP-level readings above remain fully sourced to public records.
No ZIP is too small to score: 21541 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. Where the public record is thin for 21541, the field stays empty rather than modeled, and fills in as new documents post.
21541's score blends several independent layers — foreclosure and mortgage stress, tax and lien delinquency, bank headwind and structural exposure — into one 0–100 number, so understanding the components matters as much as the headline for anyone screening the ZIP. Practically, 21541 works as a screen — verify the reading, drill to the specific parcels driving it, and carry the deal through capital and closing on the platform.
Distress signal breakdown — ZIP 21541
Tax arrears, institutional buyers, insurance load, flood exposure, stalled construction, dislocated pricing and auction velocity — together with the 0 individual distressed properties — each with owner, address, APN, its own distress score and an exit read — are in the full report.
Snapshot: 21541 by the numbers
Live ZIP-level distress, market-phase, housing and bank-pressure read — the same report attached to every property.
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Each signal above is traceable to an open dataset · methodology