ZIP 21856 Foreclosure, Tax-Lien & Distress Report

Scored purely from public records, 21856 (Wicomico County, Maryland) returns a low composite of 20/100. Structural exposure scores 46 and live distress 2 on the 0–100 scale. Climate and flood risk are elevated too — flood (NFIP) exposure (67/100), climate & FEMA risk (64/100). Its standout signals are construction/permit lag (54/100), structural risk (46/100), institutional ownership (16/100). On the quiet end sit institutional ownership (16/100) and mortgage stress (7/100).

The market reads peak — home values rose 2.7% year on year, 1.3% off the recent peak, and 10% higher over three years (phase confidence 33/100). Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

816 residents call 21856 home, typically aged 53. Rent burden reaches 0% of tenant households. Owners hold 81% of homes, renters 19%. Around 20% of adults hold a bachelor's degree or higher. The ZIP holds roughly 423 housing units. Households earn a median $77,946 — near the roughly $78,000 national figure. Vacancy runs 23.1%, above the national norm and a classic distress-and-opportunity signal. Roughly 16.7% live below the poverty line, elevated and often tied to deferred-maintenance inventory. A median home runs $380,600 here, or 3.1 times local income. The demographic-stress sub-score lands at 25/100.

Taken together, 21856 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. No parcel file is published for 21856 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

Whether 21856 runs hot or quiet, its 20/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 21856 can be compared directly against any other ZIP in Wicomico County, Maryland or nationwide. Where the public record is thin for 21856, the field stays empty rather than modeled, and fills in as new documents post.

Each component behind 21856 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 20/100 roll-up. Treat 21856 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.