ZIP 21701 Foreclosure, Tax-Lien & Distress Report

In Frederick County, Maryland, ZIP 21701 scores 25 of 100 for composite distress, a low level on DLRadar's public-record index. Climate and flood risk are elevated too — climate & FEMA risk (79/100), flood (NFIP) exposure (63/100). Structurally it carries 57/100, against 2/100 of stress already in motion. The pressure is most legible in construction/permit lag (82/100), structural risk (57/100), institutional ownership (15/100). By contrast, institutional ownership (15/100) and mortgage stress (6/100) register low.

The market reads peak — home values rose 1.6% year on year, and 12% higher over three years (phase confidence 20/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

Rent burden reaches 37% of tenant households. 7.4% of residents fall below the poverty threshold. About 41,340 people live here, median age 39. On demographic stress specifically, 21701 scores 28/100. Median household income is $102,306, above the U.S. median near $78,000. Educational attainment sits at 50% bachelor's-or-above. The ZIP holds roughly 19,513 housing units. Vacancy runs 6.6%. The tenure split is 67% owner-occupied to 33% rented. The typical home is worth about $435,000 (4.0× income, relatively affordable).

On balance 21701 is mixed, rewarding parcel-by-parcel screening over broad assumptions. Parcel-level detail for 21701 is not published yet -- the ZIP-level readings above remain fully sourced to public records.

Whether 21701 runs hot or quiet, its 25/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 21701 can be compared directly against any other ZIP in Frederick County, Maryland or nationwide. The score is rebuilt from public data as it updates, so 21701 reflects the current record instead of a stale or modeled snapshot.

Each component behind 21701 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 25/100 roll-up. In workflow terms, 21701 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.