ZIP 21754 Property Distress & Foreclosure Data

Composite property distress in 21754 (Frederick County, Maryland) lands at 24/100 — low on DLRadar's public-record scoring. The sharpest non-environmental signals are construction/permit lag (75/100), structural risk (55/100), institutional ownership (15/100). institutional ownership (15/100) and mortgage stress (6/100) stay muted. The latent-versus-live split is 55/100 structural and 2/100 already moving. Climate and flood risk are elevated too — climate & FEMA risk (79/100), flood (NFIP) exposure (64/100).

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.

A median home runs $647,300 here, or 3.5 times local income. The vacancy rate is 0.8%. Households earn a median $179,797 — above the roughly $78,000 national figure. 7,439 residents call 21754 home, typically aged 41. Roughly 2.9% live below the poverty line, a low share typical of higher-equity areas. On demographic stress specifically, 21754 scores 21/100. Around 29% of renters are cost-burdened. The tenure split is 96% owner-occupied to 4% rented. About 57% have a four-year degree. The ZIP holds roughly 2,688 housing units.

On balance, 21754 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.