ZIP 21813 Foreclosure, Tax-Lien & Distress Report

Worcester County, Maryland's ZIP 21813 registers 23/100 composite distress, which DLRadar reads as low. Environmental exposure also runs high (flood (NFIP) exposure (69/100), climate & FEMA risk (68/100)). The latent-versus-live split is 54/100 structural and 5/100 already moving. Leading the profile are construction/permit lag (80/100), structural risk (54/100), mortgage stress (17/100). On the quiet end sit mortgage stress (17/100) and institutional ownership (16/100).

The market reads peak — home values rose 1.6% year on year, and 31% higher over three years, at 20/100 phase confidence. Topping markets hide individual distress behind strong averages.

Rent burden reaches 12% of tenant households. The ZIP holds roughly 1,697 housing units. DLRadar's demographic-stress index for the area reads 31/100. Around 23% of adults hold a bachelor's degree or higher. Median household income is $102,332, above the U.S. median near $78,000. 82% of housing is owner-occupied. 4.1% of residents fall below the poverty threshold. About 2,936 people live here, median age 55. Home values center near $628,000, an affordability ratio of 5.5×. The vacancy rate is 17.6% — elevated.

Taken together, 21813 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. There is no property file for 21813 at the moment; the composite and its components are still built from verifiable records.

Big metro or rural, 21813 runs through one identical scoring model, so its 23/100 sits on the same scale as every other ZIP in Worcester County, Maryland and the nation. Nothing here is interpolated — where a source is thin for 21813, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

21813's score blends several independent layers — foreclosure and mortgage stress, tax and lien delinquency, bank headwind and structural exposure — into one 0–100 number, so understanding the components matters as much as the headline for anyone screening the ZIP. For a buyer, 21813 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.