ZIP 21639 Foreclosure, Tax-Lien & Distress Report

ZIP code 21639 in Caroline County, Maryland carries a composite property-distress score of 13/100 — a minimal reading on DLRadar's deterministic distress index. The sharpest non-environmental signals are structural risk (31/100), institutional ownership (17/100), construction/permit lag (10/100). By contrast, construction/permit lag (10/100) and mortgage stress (7/100) register low. It additionally carries heavy environmental risk: flood (NFIP) exposure (74/100). Structural risk reads 31/100 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 13/100 composite is a like-for-like number rather than an isolated estimate. Where the record is thin for 21639, the field stays empty rather than modeled, and fills in as new documents post.

The 13/100 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.