ZIP 21851 Foreclosure, Tax-Lien & Distress Report

Composite property distress in 21851 (Worcester County, Maryland) lands at 24/100 — low on DLRadar's public-record scoring. Its heaviest discrete signals: construction/permit lag (87/100), structural risk (56/100), mortgage stress (17/100). On the quiet end sit mortgage stress (17/100) and institutional ownership (17/100). Environmental exposure also runs high (flood (NFIP) exposure (73/100), climate & FEMA risk (66/100)). On the structural side it scores 56/100, with 5/100 of stress already active.

The market reads peak — home values rose 1.8% year on year, and 25% higher over three years, at 23/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

At $50,847, median income runs below typical U.S. levels. Owners hold 65% of homes, renters 35%. Roughly 9.8% live below the poverty line. The ZIP holds roughly 3,644 housing units. Rent burden reaches 39% of tenant households. 7,252 residents call 21851 home, typically aged 44. DLRadar's demographic-stress index for the area reads 32/100. A median home runs $206,700 here, or 3.7 times local income. Educational attainment sits at 20% bachelor's-or-above. The vacancy rate is 12.4% — elevated.

Taken together, 21851 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. No parcel file is published for 21851 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

No ZIP is too small to score: 21851 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 24/100 composite is a like-for-like number rather than an isolated estimate. Where the public record is thin for 21851, the field stays empty rather than modeled, and fills in as new documents post.

The 24/100 figure for 21851 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, 21851 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.