ZIP 21795 Foreclosure, Tax-Lien & Distress Report

DLRadar grades ZIP 21795 (Washington County, Maryland) at a low 24/100 for overall property distress. It additionally carries heavy environmental risk: climate & FEMA risk (69/100), flood (NFIP) exposure (64/100). What sets it apart are the readings on construction/permit lag (93/100), structural risk (57/100), institutional ownership (15/100). On the quiet end sit institutional ownership (15/100) and mortgage stress (7/100). Latent structural risk is 57/100 while live distress already moving reads 2/100.

The market reads peak — home values held roughly flat year on year, 2.9% off the recent peak, and 22% higher over three years, at 31/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

The tenure split is 69% owner-occupied to 31% rented. Home values center near $295,800, an affordability ratio of 3.3× — accessible. The ZIP holds roughly 4,387 housing units. The demographic-stress sub-score lands at 31/100. About 9,942 people live here, median age 41. Around 26% of adults hold a bachelor's degree or higher. Roughly 11.9% live below the poverty line. Rent burden reaches 39% of tenant households. Vacancy runs 11.7%, above the national norm and a classic distress-and-opportunity signal. Median household income is $83,542, near the U.S. median near $78,000.

Overall, 21795 shows a mixed profile — neither uniformly stressed nor insulated — so opportunity is property-specific. While 21795 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

No ZIP is too small to score: 21795 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 24/100 composite is a like-for-like number rather than an isolated estimate. Sparse data for 21795 shows as blanks, never estimates, and the score updates on every fresh public filing.

Behind 21795'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. For a buyer, 21795 is one row in a larger workflow: confirm the score, pull the distressed parcels behind it, then move from signal to funded, closed acquisition through DLRadar.