ZIP 21654 Foreclosure, Tax-Lien & Distress Report

Talbot County, Maryland's ZIP 21654 registers 20/100 composite distress, which DLRadar reads as low. It additionally carries heavy environmental risk: flood (NFIP) exposure (82/100). Its heaviest discrete signals: construction/permit lag (76/100), structural risk (48/100), institutional ownership (19/100). On the quiet end sit institutional ownership (19/100) and mortgage stress (10/100). On the structural side it scores 48/100, with 3/100 of stress already active.

The peak-phase market in 21654 posted values that rose 1.6% over the year, and 29% higher over three years (phase confidence 20/100). Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

There are about 923 housing units across 21654. The typical home is worth about $840,000 (9.1× income, severely stretched). The vacancy rate is 33.3% — elevated. 9.9% of residents fall below the poverty threshold. 87% of housing is owner-occupied. On demographic stress specifically, 21654 scores 48/100. Around 72% of renters are cost-burdened. Educational attainment sits at 65% bachelor's-or-above. 1,195 residents call 21654 home, typically aged 66. At $88,512, median income runs above typical U.S. levels.

Taken together, 21654 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. While 21654 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

The 21654 read uses the identical public-record model applied coast to coast, which means its 20/100 score means exactly what it means anywhere else, and 21654 stays directly comparable to neighboring ZIPs and the rest of Talbot County, Maryland. Sparse data for 21654 shows as blanks, never estimates, and the score updates on every fresh public filing.

21654's score blends several independent layers — foreclosure and mortgage stress, tax and lien delinquency, bank headwind and structural exposure — into one 0–100 number, so understanding the components matters as much as the headline for anyone screening the ZIP. Treat 21654 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.