ZIP 21784 Foreclosure, Tax-Lien & Distress Report

Scored on a fixed 0-100 scale, 21784 (Carroll County, Maryland) returns a low composite of 23/100. The latent-versus-live split is 54/100 structural and 2/100 already moving. Climate and flood risk are elevated too — climate & FEMA risk (69/100), flood (NFIP) exposure (62/100). The sharpest non-environmental signals are construction/permit lag (86/100), structural risk (54/100), institutional ownership (14/100). institutional ownership (14/100) and mortgage stress (6/100) stay muted.

Prices here sit in a peak phase: values rose 2.2% over the trailing year, and 15% higher over three years, at 21/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

There are about 13,797 housing units across 21784. The typical home is worth about $491,800 (3.4× income, relatively affordable). DLRadar's demographic-stress index for the area reads 23/100. Owners hold 87% of homes, renters 13%. Households earn a median $141,228 — above the roughly $78,000 national figure. The vacancy rate is 3.3%. Around 53% of adults hold a bachelor's degree or higher. Around 29% of renters are cost-burdened. About 37,813 people live here, median age 40. Roughly 4.1% live below the poverty line, a low share typical of higher-equity areas.

Overall 21784 looks resilient on the surface, so the edge is isolating individual stressed parcels. While 21784 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

The number is not local guesswork: 21784's 23/100 comes from the same nationwide foreclosure, tax, mortgage and lender model, making it directly comparable anywhere. Sparse data for 21784 shows as blanks, never estimates, and the score updates on every fresh public filing.

21784's headline rolls up several separately-scored signals, which is why two ZIPs can share a composite yet face very different distress. In workflow terms, 21784 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.