ZIP 21545 Foreclosure, Tax-Lien & Distress Report
Allegany County, Maryland · High Vacancy market
On DLRadar's 0-100 public-record scale, ZIP 21545 in Allegany County, Maryland comes in at 21, a low composite-distress reading. Its heaviest discrete signals: construction/permit lag (64/100), structural risk (50/100), institutional ownership (20/100). On the quiet end sit institutional ownership (20/100) and mortgage stress (10/100). 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).
Prices here sit in a peak phase: values rose 1.6% over the trailing year (phase confidence 20/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.
Educational attainment sits at 15% bachelor's-or-above. A median home runs $130,700 here, or 1.9 times local income. Roughly 15.4% live below the poverty line. The vacancy rate is 19.3% — elevated. Households earn a median $59,551 — below the roughly $78,000 national figure. DLRadar's demographic-stress index for the area reads 28/100. The ZIP holds roughly 810 housing units. Owners hold 77% of homes, renters 23%. Around 38% of renters are cost-burdened. About 1,716 people live here, median age 44.
Taken together, 21545 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.
Whether 21545 runs hot or quiet, its 21/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 21545 can be compared directly against any other ZIP in Allegany County, Maryland or nationwide. 21545 carries no interpolated values - each figure ties to a public source and refreshes the moment new records land.
The 21/100 figure for 21545 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. For an operator, 21545 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.
ZIP 21545 distress signals, scored
Unpaid tax, corporate ownership share, insurance cost pressure, NFIP flood risk, construction slowdown, price gaps and auction turnover — plus the 0 individual distressed properties — each with owner, address, APN, its own distress score and an exit read — are in the full report.
Snapshot: 21545 by the numbers
Live ZIP-level distress, market-phase, housing and bank-pressure read — the same report attached to every property.
Other Allegany County ZIP codes
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The complete 21545 distress and acquisition report
See who owns each distressed property in 21545, where it is, its APN and score, the bank behind it and how fast it should exit — then fund and close it in one click. Continuously refreshed, nationwide.
Built from public records, scored the same way everywhere · methodology