ZIP 21821 Foreclosure, Tax-Lien & Distress Report

DLRadar grades ZIP 21821 (Somerset County, Maryland) at a low 25/100 for overall property distress. Structural risk reads 58/100 against active distress of 3/100. Climate and flood risk are elevated too — flood (NFIP) exposure (83/100). Its heaviest discrete signals: construction/permit lag (100/100), structural risk (58/100), institutional ownership (19/100). By contrast, institutional ownership (19/100) and mortgage stress (11/100) register low.

Prices here sit in a peak phase: values rose 2.7% over the trailing year, 1.3% off the recent peak, and 66% higher over three years, at 33/100 phase confidence. Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

About 736 people live here, median age 57. The poverty rate is 15.4%. 90% of housing is owner-occupied. Around 8% of adults hold a bachelor's degree or higher. A median home runs $188,200 here, or 3.0 times local income. The ZIP holds roughly 679 housing units. The vacancy rate is 50.8% — elevated. On demographic stress specifically, 21821 scores 31/100. Rent burden reaches 26% of tenant households. Households earn a median $51,500 — below the roughly $78,000 national figure.

Taken together, 21821 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. While 21821 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

The 21821 read uses the identical public-record model applied coast to coast, which means its 25/100 score means exactly what it means anywhere else, and 21821 stays directly comparable to neighboring ZIPs and the rest of Somerset County, Maryland. The score is rebuilt from public data as it updates, so 21821 reflects the current record instead of a stale or modeled snapshot.

21821'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, 21821 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.