ZIP 21703 Property Distress & Foreclosure Data

DLRadar grades ZIP 21703 (Frederick County, Maryland) at a low 24/100 for overall property distress. Climate and flood risk are elevated too — climate & FEMA risk (79/100), flood (NFIP) exposure (64/100). The latent-versus-live split is 55/100 structural and 2/100 already moving. Property-level stress concentrates in construction/permit lag (75/100), structural risk (55/100), institutional ownership (15/100). institutional ownership (15/100) and mortgage stress (6/100) stay muted.

Prices here sit in a peak phase: values rose 2.8% over the trailing year, and 15% higher over three years (phase confidence 32/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

On demographic stress specifically, 21703 scores 29/100. Roughly 9.9% live below the poverty line. The tenure split is 69% owner-occupied to 31% rented. The ZIP holds roughly 16,069 housing units. Households earn a median $105,293 — above the roughly $78,000 national figure. About 43% have a four-year degree. A median home runs $384,600 here, or 3.5 times local income. 41,766 residents call 21703 home, typically aged 35. Around 42% of renters are cost-burdened. The vacancy rate is 3.4%.

On balance, 21703 reads as a higher-equity, stable market where distress is selective and worth pinpointing parcel by parcel. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.