ZIP 21778 Foreclosure, Tax-Lien & Distress Report

Composite property distress in 21778 (Frederick County, Maryland) lands at 23/100 — low on DLRadar's distress scoring. Its standout signals are construction/permit lag (65/100), structural risk (52/100), institutional ownership (14/100). By contrast, institutional ownership (14/100) and mortgage stress (6/100) register low. It additionally carries heavy environmental risk: climate & FEMA risk (79/100), flood (NFIP) exposure (61/100). On the structural side it scores 52/100, with 2/100 of stress already active.

The market reads peak — home values rose 1.6% year on year, and 24% higher over three years (phase confidence 20/100). Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

840 residents call 21778 home, typically aged 52. Owners hold 95% of homes, renters 5%. Home values center near $382,100, an affordability ratio of 3.8× — accessible. Educational attainment sits at 23% bachelor's-or-above. On demographic stress specifically, 21778 scores 36/100. Median household income is $110,489, above the U.S. median near $78,000. The ZIP holds roughly 332 housing units. 0.0% of residents fall below the poverty threshold. Vacancy runs 8.8%.

Net-net, 21778 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. No parcel file is published for 21778 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

Big metro or rural, 21778 runs through one identical scoring model, so its 23/100 sits on the same scale as every other ZIP in Frederick County, Maryland and the nation. Every figure is auditable to a public dataset and refreshed as records update; 21778 shows blanks, not estimates, wherever the record is sparse.

Behind 21778's composite sit distinct signals (foreclosure, mortgage, tax-lien, lender and structural), each scored on its own before rolling up, so two ZIPs with the same total can describe very different situations on the ground. Practically, 21778 works as a screen — verify the reading, drill to the specific parcels driving it, and carry the deal through capital and closing on the platform.