ZIP 21770 Property Distress & Foreclosure Data

In Frederick County, Maryland, ZIP 21770 scores 24 of 100 for composite distress, a low level on DLRadar's public-record index. It additionally carries heavy environmental risk: climate & FEMA risk (79/100), flood (NFIP) exposure (64/100). On the structural side it scores 55/100, with 2/100 of stress already active. Its standout 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.

The market reads peak — home values rose 2.8% year on year, and 14% higher over three years (phase confidence 32/100). Topping markets hide individual distress behind strong averages.

The poverty rate is 1.4% — low. Around 0% of renters are cost-burdened. Around 55% of adults hold a bachelor's degree or higher. The typical home is worth about $632,500 (3.3× income, relatively affordable). About 7,815 people live here, median age 41. The ZIP holds roughly 2,632 housing units. At $184,464, median income runs above typical U.S. levels. The demographic-stress sub-score lands at 17/100. 98% of housing is owner-occupied. The vacancy rate is 2.2%.

Overall 21770 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.