ZIP 21704 Property Distress & Foreclosure Data

Composite property distress in 21704 (Frederick County, Maryland) lands at 24/100 — low on DLRadar's public-record scoring. Structural exposure scores 55 and live distress 2 on the 0–100 scale. The sharpest non-environmental signals are construction/permit lag (75/100), structural risk (55/100), institutional ownership (15/100). By contrast, institutional ownership (15/100) and mortgage stress (6/100) register low. It additionally carries heavy environmental risk: climate & FEMA risk (79/100), flood (NFIP) exposure (64/100).

The market reads peak — home values rose 2.8% year on year, and 13% higher over three years, at 32/100 phase confidence. Topping markets hide individual distress behind strong averages.

About 19,623 people live here, median age 38. The typical home is worth about $612,000 (3.6× income, relatively affordable). Around 58% of adults hold a bachelor's degree or higher. The demographic-stress sub-score lands at 24/100. 81% of housing is owner-occupied. Vacancy runs 1.5%. There are about 6,257 housing units across 21704. Rent burden reaches 32% of tenant households. The poverty rate is 3.2% — low. At $164,457, median income runs above typical U.S. levels.

Overall 21704 looks resilient on the surface, so the edge is isolating individual stressed parcels. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.