ZIP 21632 Foreclosure, Tax-Lien & Distress Report

Caroline County, Maryland's ZIP 21632 registers 16/100 composite distress, which DLRadar reads as low. Structurally it carries 38/100, against 2/100 of stress already in motion. Property-level stress concentrates in structural risk (38/100), construction/permit lag (34/100), institutional ownership (18/100). By contrast, institutional ownership (18/100) and mortgage stress (8/100) register low. It additionally carries heavy environmental risk: flood (NFIP) exposure (78/100).

The neutral-phase market in 21632 posted values that rose 4.6% over the year, and 28% higher over three years (phase confidence 29/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.

60% of housing is owner-occupied. Vacancy runs 11.0%. 6,227 residents call 21632 home, typically aged 44. 20.9% of residents fall below the poverty threshold. Home values center near $216,000, an affordability ratio of 3.2× — accessible. There are about 2,956 housing units across 21632. The demographic-stress sub-score lands at 35/100. About 13% have a four-year degree. Households earn a median $59,808 — below the roughly $78,000 national figure. Around 42% of renters are cost-burdened.

Taken together, 21632 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. There is no property file for 21632 at the moment; the composite and its components are still built from verifiable public records.

The number is not local guesswork: 21632's 16/100 comes from the same nationwide foreclosure, tax, mortgage and lender model, making it directly comparable anywhere. Where the public record is thin for 21632, the field stays empty rather than modeled, and fills in as new documents post.

Behind 21632's composite sit distinct signals (foreclosure, mortgage, tax-lien, lender and structural), each scored on its own before rolling up, so two ZIPs with the same total can describe very different situations on the ground. Practically, 21632 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.