ZIP 21824 Foreclosure, Tax-Lien & Distress Report

In Somerset County, Maryland, ZIP 21824 scores 25 of 100 for composite distress, a low level on DLRadar's public-record index. Its heaviest discrete signals: construction/permit lag (100/100), structural risk (58/100), institutional ownership (19/100). institutional ownership (19/100) and mortgage stress (11/100) stay muted. On the structural side it scores 58/100, with 3/100 of stress already active. Climate and flood risk are elevated too — flood (NFIP) exposure (83/100).

The market reads peak — home values rose 2.7% year on year, 1.3% off the recent peak, at 33/100 phase confidence. Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

The typical home is worth about $108,500 (1.2× income, relatively affordable). 7.7% of residents fall below the poverty threshold. Households earn a median $87,938 — above the roughly $78,000 national figure. Vacancy runs 29.8%, above the national norm and a classic distress-and-opportunity signal. About 1% have a four-year degree. There are about 180 housing units across 21824. Rent burden reaches 0% of tenant households. On demographic stress specifically, 21824 scores 20/100. The tenure split is 80% owner-occupied to 20% rented. Population is roughly 234 with a median age of 49.

Taken together, 21824 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. While 21824 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

Because one deterministic model scores every ZIP, 21824's 25/100 can be lined up against any neighbor in Somerset County, Maryland or any ZIP coast to coast. Where the public record is thin for 21824, the field stays empty rather than modeled, and fills in as new documents post.

Each component behind 21824 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 25/100 roll-up. For an operator, 21824 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.