ZIP 21797 Foreclosure, Tax-Lien & Distress Report
Howard County, Maryland · High Value market
In Howard County, Maryland, ZIP 21797 scores 26 of 100 for composite distress, a low level on DLRadar's distress index. Structural risk reads 60/100 against active distress of 2/100. Its heaviest discrete signals: construction/permit lag (100/100), structural risk (60/100), institutional ownership (15/100). By contrast, institutional ownership (15/100) and mortgage stress (6/100) register low. Climate and flood risk are elevated too — climate & FEMA risk (75/100), flood (NFIP) exposure (65/100).
Prices here sit in a peak phase: values rose 2.2% over the trailing year, and 16% higher over three years, at 21/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.
Population is roughly 8,772 with a median age of 44. Rent burden reaches 64% of tenant households. A median home runs $735,600 here, or 3.9 times local income. Roughly 4.7% live below the poverty line, a low share typical of higher-equity areas. Owners hold 90% of homes, renters 10%. Vacancy runs 2.3%. The demographic-stress sub-score lands at 30/100. There are about 2,903 housing units across 21797. About 49% have a four-year degree. Households earn a median $185,435 — above the roughly $78,000 national figure.
On balance 21797 is mixed, rewarding parcel-by-parcel screening over broad assumptions. Parcel-level detail for 21797 is not published yet -- the ZIP-level readings above remain fully sourced.
No ZIP is too small to score: 21797 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 26/100 composite is a like-for-like number rather than an isolated estimate. Nothing here is interpolated — where a source is thin for 21797, DLRadar leaves it blank rather than guessing, and re-scores as new records post.
21797's headline rolls up several separately-scored signals, which is why two ZIPs can share a composite yet face very different distress. The point of the 21797 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.
ZIP 21797 distress signals, scored
Delinquency on tax, investor concentration, insurance pressure, NFIP flood, lagging construction, price dislocation and sale velocity — and the 0 individual distressed properties carry owner, address, APN, a parcel-level score and an exit read in the full DLRadar file.
ZIP 21797 Stress Report snapshot
Live ZIP-level distress, market-phase, housing and bank-pressure read — the same report attached to every property.
Neighbouring ZIPs in Howard County
Nearest ZIP codes to 21797
By straight-line distance between ZIP centers — the surrounding market, whichever county or state line it crosses.
Related reports across Howard County, Maryland
Other reports tied to Howard County, Maryland — ZIP, county and statewide.
The complete 21797 distress and acquisition report
The full 21797 file lists each distressed parcel with owner, address, APN, per-property score, bank exposure and exit-velocity read, and carries it straight through to owner and lender records. Refreshed continuously.
Deterministic. Every signal traces to a public dataset · methodology