ZIP 21773 Foreclosure, Tax-Lien & Distress Report

DLRadar grades ZIP 21773 (Frederick County, Maryland) at a low 23/100 for overall property distress. The latent-versus-live split is 52/100 structural and 2/100 already moving. What sets it apart are the readings on construction/permit lag (65/100), structural risk (52/100), institutional ownership (14/100). institutional ownership (14/100) and mortgage stress (6/100) stay muted. It additionally carries heavy environmental risk: climate & FEMA risk (79/100), flood (NFIP) exposure (61/100).

The market reads peak — home values rose 1.6% year on year, and 19% higher over three years, at 20/100 phase confidence. Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

Home values center near $544,400, an affordability ratio of 3.1× — accessible. 93% of housing is owner-occupied. Population is roughly 5,619 with a median age of 43. Median household income is $152,839, above the U.S. median near $78,000. The vacancy rate is 11.3% — elevated. Educational attainment sits at 46% bachelor's-or-above. The ZIP holds roughly 2,235 housing units. The demographic-stress sub-score lands at 20/100. 3.0% of residents fall below the poverty threshold. Rent burden reaches 12% of tenant households.

Overall, 21773 shows a mixed profile — neither uniformly stressed nor insulated — so opportunity is property-specific. There is no property file for 21773 at the moment; the composite and its components are still built from verifiable records.

No ZIP is too small to score: 21773 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 23/100 composite is a like-for-like number rather than an isolated estimate. 21773 carries no interpolated values - each figure ties to a public source and refreshes the moment new records land.

21773's score blends several independent layers — foreclosure and mortgage stress, tax and lien delinquency, bank headwind and structural exposure — into one 0–100 number, so understanding the components matters as much as the headline for anyone screening the ZIP. For a buyer, 21773 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.