ZIP 21817 Foreclosure, Tax-Lien & Distress Report

Composite property distress in 21817 (Somerset County, Maryland) lands at 25/100 — low on DLRadar's public-record scoring. The pressure is most legible in construction/permit lag (100/100), structural risk (58/100), institutional ownership (19/100). institutional ownership (19/100) and mortgage stress (11/100) stay muted. Environmental exposure also runs high (flood (NFIP) exposure (83/100)). The split runs 58/100 structural to 3/100 active on the ground.

The peak-phase market in 21817 posted values that rose 2.7% over the year, 1.3% off the recent peak, and 28% higher over three years, at 33/100 phase confidence. Topping markets hide individual distress behind strong averages.

Educational attainment sits at 22% bachelor's-or-above. Around 25% of renters are cost-burdened. 15.7% of residents fall below the poverty threshold. On demographic stress specifically, 21817 scores 30/100. Median household income is $53,139, below the U.S. median near $78,000. The typical home is worth about $161,000 (3.0× income, relatively affordable). Vacancy runs 26.2%, above the national norm and a classic distress-and-opportunity signal. 69% of housing is owner-occupied. The ZIP holds roughly 2,554 housing units. About 4,102 people live here, median age 46.

Net-net, 21817 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. While 21817 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: 21817 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 25/100 composite is a like-for-like number rather than an isolated estimate. Every figure is auditable to a public dataset and refreshed on ingest; 21817 shows blanks, not estimates, wherever the record is sparse.

21817'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. Treat 21817 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.