ZIP 21704 Foreclosure, Tax-Lien & Distress Report

Composite property distress in 21704 (Frederick County, Maryland) lands at 25/100 — low on DLRadar's public-record scoring. Latent structural risk is 57/100 while live distress already moving reads 2/100. Its standout signals are 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. Environmental exposure also runs high (climate & FEMA risk (79/100), flood (NFIP) exposure (63/100)).

The market reads peak — home values rose 1.6% year on year, and 13% higher over three years, at 20/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

Population is roughly 19,623 with a median age of 38. Home values center near $612,000, an affordability ratio of 3.6× — accessible. Educational attainment sits at 58% bachelor's-or-above. DLRadar's demographic-stress index for the area reads 24/100. Owners hold 81% of homes, renters 19%. Vacancy runs 1.5%. There are about 6,257 housing units across 21704. Around 32% of renters are cost-burdened. Roughly 3.2% live below the poverty line, a low share typical of higher-equity areas. At $164,457, median income runs above typical U.S. levels.

On balance 21704 is mixed, rewarding parcel-by-parcel screening over broad assumptions. 21704 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.

The 21704 read uses the identical public-record model applied coast to coast, which means its 25/100 score means exactly what it means anywhere else, and 21704 stays directly comparable to neighboring ZIPs and the rest of Frederick County, Maryland. Where the public record is thin for 21704, the field stays empty rather than modeled, and fills in as new documents post.

The 25/100 for 21704 sums independent layers - foreclosure, mortgage, tax-lien, lender headwind and structural risk - so the mix behind the number matters as much as the number. For a buyer, 21704 is one row in a larger workflow: confirm the score, pull the distressed parcels behind it, then move from signal to funded, closed acquisition through DLRadar.