ZIP 21776 Foreclosure, Tax-Lien & Distress Report
Carroll County, Maryland · Distress market
On DLRadar's 0-100 public-record scale, ZIP 21776 in Carroll County, Maryland comes in at 22, a low composite-distress reading. The most distinctive pressure shows up in construction/permit lag (67/100), structural risk (50/100), 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 (70/100), flood (NFIP) exposure (64/100). Structural risk reads 50/100 against active distress of 2/100.
The peak-phase market in 21776 posted values that rose 2.0% over the year, and 18% higher over three years, at 21/100 phase confidence. Topping markets hide individual distress behind strong averages.
Households earn a median $111,923 — above the roughly $78,000 national figure. The poverty rate is 5.0% — low. The typical home is worth about $461,600 (3.9× income, relatively affordable). The ZIP holds roughly 2,378 housing units. About 5,905 people live here, median age 44. Around 37% of adults hold a bachelor's degree or higher. Around 40% of renters are cost-burdened. DLRadar's demographic-stress index for the area reads 27/100. Vacancy runs 4.1%. The tenure split is 92% owner-occupied to 8% rented.
On balance, 21776 reads as a higher-equity, stable market where distress is selective and worth pinpointing parcel by parcel. 21776 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.
The number is not local guesswork: 21776's 22/100 comes from the same nationwide foreclosure, tax, mortgage and lender model, making it directly comparable anywhere. Where the public record is thin for 21776, the field stays empty rather than modeled, and fills in as new documents post.
21776's headline rolls up several separately-scored signals, which is why two ZIPs can share a composite yet face very different distress. Treat 21776 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.
Signal-by-signal read on 21776
Delinquent tax, institutional holdings, insurance strain, flood/NFIP exposure, build-out lag, price dislocation and auction pace — along with the 0 individual distressed properties carry owner, address, APN, a parcel-level score and an exit read in the full DLRadar file.
ZIP 21776 Stress Report snapshot
A live read on 21776: distress, market phase, housing and bank pressure — identical to the report behind every parcel.
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