ZIP 21780 Foreclosure, Tax-Lien & Distress Report

Scored on a fixed 0-100 scale, 21780 (Frederick County, Maryland) returns a low composite of 23/100. Structural risk reads 52/100 against active distress of 2/100. It additionally carries heavy environmental risk: climate & FEMA risk (79/100), flood (NFIP) exposure (61/100). Leading the profile are construction/permit lag (65/100), structural risk (52/100), institutional ownership (14/100). On the quiet end sit institutional ownership (14/100) and mortgage stress (6/100).

The market reads peak — home values rose 1.5% year on year, and 13% higher over three years, at 20/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

1,814 residents call 21780 home, typically aged 45. Vacancy runs 5.0%. The ZIP holds roughly 812 housing units. Owners hold 75% of homes, renters 25%. The demographic-stress sub-score lands at 35/100. Around 26% of adults hold a bachelor's degree or higher. A median home runs $451,600 here, or 6.5 times local income. Median household income is $64,602, below the U.S. median near $78,000. The poverty rate is 10.9%. Rent burden reaches 14% of tenant households.

On balance 21780 is mixed, rewarding parcel-by-parcel screening over broad assumptions. There is no property file for 21780 at the moment; the composite and its components are still built from verifiable records.

The number is not local guesswork: 21780's 23/100 comes from the same nationwide foreclosure, tax, mortgage and lender model, making it directly comparable anywhere. Where the record is thin for 21780, the field stays empty rather than modeled, and fills in as new documents post.

Each component behind 21780 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 23/100 roll-up. The point of the 21780 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.