ZIP 21640 Property Distress & Foreclosure Data

DLRadar grades ZIP 21640 (Caroline County, Maryland) at a low 18/100 for overall property distress. Property-level stress concentrates in construction/permit lag (57/100), structural risk (42/100), institutional ownership (17/100). institutional ownership (17/100) and mortgage stress (8/100) stay muted. Climate and flood risk are elevated too — flood (NFIP) exposure (77/100). The latent-versus-live split is 42/100 structural and 2/100 already moving.

Prices here sit in a peak phase: values rose 2.9% over the trailing year, and 33% higher over three years (phase confidence 41/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

The vacancy rate is 3.3%. The ZIP holds roughly 531 housing units. Around 29% of renters are cost-burdened. About 15% have a four-year degree. Roughly 8.8% live below the poverty line. A median home runs $268,500 here, or 4.0 times local income. Households earn a median $65,952 — below the roughly $78,000 national figure. 1,251 residents call 21640 home, typically aged 42. On demographic stress specifically, 21640 scores 28/100. The tenure split is 96% owner-occupied to 4% rented.

Overall, 21640 shows a mixed profile — neither uniformly stressed nor insulated — so opportunity is property-specific. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.