ZIP 21838 Foreclosure, Tax-Lien & Distress Report

Scored purely from public records, 21838 (Somerset County, Maryland) returns a low composite of 25/100. Climate and flood risk are elevated too — flood (NFIP) exposure (83/100). The sharpest non-environmental signals are 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. Latent structural risk is 58/100 while live distress already moving reads 3/100.

Prices here sit in a peak phase: values rose 2.7% over the trailing year, 1.3% off the recent peak (phase confidence 33/100). Topping markets hide individual distress behind strong averages.

Vacancy runs 21.8%, above the national norm and a classic distress-and-opportunity signal. Owners hold 93% of homes, renters 7%. There are about 917 housing units across 21838. The poverty rate is 4.4% — low. The demographic-stress sub-score lands at 21/100. Around 13% of renters are cost-burdened. The typical home is worth about $202,400 (2.1× income, relatively affordable). Around 20% of adults hold a bachelor's degree or higher. 1,975 residents call 21838 home, typically aged 46. Households earn a median $85,577 — near the roughly $78,000 national figure.

Taken together, 21838 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. No parcel file is published for 21838 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

The number is not local guesswork: 21838's 25/100 comes from the same nationwide foreclosure, tax, mortgage and lender model, making it directly comparable anywhere. Nothing here is interpolated — where a source is thin for 21838, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

The 25/100 figure for 21838 is a composite, not one metric: it rolls up foreclosure and pre-foreclosure activity, mortgage stress, tax delinquency and liens, local lender headwind, and structural risk into a single reading, which is why a ZIP can look calm on price yet score high on distress. For an operator, 21838 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.