ZIP 21639 Foreclosure, Tax-Lien & Distress Report

ZIP code 21639 in Caroline County, Maryland carries a composite property-distress score of 16/100 — a low reading on DLRadar's deterministic public-record index. The sharpest non-environmental signals are structural risk (37/100), construction/permit lag (35/100), institutional ownership (17/100). By contrast, institutional ownership (17/100) and mortgage stress (7/100) register low. It additionally carries heavy environmental risk: flood (NFIP) exposure (76/100). Structural risk reads 37/100 against active distress of 2/100.

The expansion-phase market in 21639 posted values that rose 5.3% over the year, and 18% higher over three years, at 38/100 phase confidence. Even climbing markets leave specific parcels in distress; the scoring isolates them.

Vacancy runs 11.0%. Population is roughly 4,621 with a median age of 37. There are about 1,916 housing units across 21639. About 12% have a four-year degree. Around 33% of renters are cost-burdened. The tenure split is 71% owner-occupied to 29% rented. 14.3% of residents fall below the poverty threshold. DLRadar's demographic-stress index for the area reads 35/100. At $59,274, median income runs below typical U.S. levels. Home values center near $269,400, an affordability ratio of 4.6×.

Overall, 21639 shows a mixed profile — neither uniformly stressed nor insulated — so opportunity is property-specific. No parcel file is published for 21639 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

No ZIP is too small to score: 21639 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 16/100 composite is a like-for-like number rather than an isolated estimate. Where the public record is thin for 21639, the field stays empty rather than modeled, and fills in as new documents post.

The 16/100 figure for 21639 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. Treat 21639 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.