ZIP 21788 Foreclosure, Tax-Lien & Distress Report
Frederick County, Maryland · Distress market
DLRadar grades ZIP 21788 (Frederick County, Maryland) at a low 23/100 for overall property distress. 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). institutional ownership (14/100) and mortgage stress (6/100) stay muted. The split runs 52/100 structural to 2/100 active on the ground.
Prices here sit in a peak phase: values rose 1.6% over the trailing year, and 10% higher over three years (phase confidence 20/100). Topping markets hide individual distress behind strong averages.
The typical home is worth about $379,200 (3.7× income, relatively affordable). Rent burden reaches 45% of tenant households. About 11,919 people live here, median age 47. The ZIP holds roughly 4,871 housing units. The demographic-stress sub-score lands at 30/100. 9.4% of residents fall below the poverty threshold. 82% of housing is owner-occupied. At $93,717, median income runs above typical U.S. levels. The vacancy rate is 5.5%. About 30% have a four-year degree.
Net-net, 21788 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. 21788 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.
Because one deterministic model scores every ZIP, 21788's 23/100 can be lined up against any neighbor in Frederick County, Maryland or any ZIP coast to coast. The score is rebuilt from public data as it updates, so 21788 reflects the current record instead of a stale or modeled snapshot.
The 23/100 figure for 21788 is a composite, not one metric: it rolls up foreclosure and pre-foreclosure activity, mortgage stress, tax delinquency and liens, local lender headwind, and structural risk into a single reading, which is why a ZIP can look calm on price yet score high on distress. The point of the 21788 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.
What is driving ZIP 21788’s distress
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.
21788 at a glance
Real-time distress, cycle phase, housing and bank-stress readings for 21788, the same set carried on every parcel.
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Unlock parcel-level detail for ZIP 21788
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Deterministic scoring, sourced entirely from public data · methodology