ZIP 21866 Foreclosure, Tax-Lien & Distress Report

ZIP 21866's composite property-distress score is 25/100 - DLRadar classes that as low for Somerset County, Maryland. Climate and flood risk are elevated too — flood (NFIP) exposure (82/100). Structurally it carries 58/100, against 3/100 of stress already in motion. What sets it apart are the readings on construction/permit lag (100/100), structural risk (58/100), institutional ownership (19/100). On the quiet end sit institutional ownership (19/100) and mortgage stress (11/100).

The peak-phase market in 21866 posted values that rose 2.7% over the year, 1.3% off the recent peak, at 33/100 phase confidence. Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

A median home runs $177,500 here, or 1.2 times local income. Vacancy runs 32.3%, above the national norm and a classic distress-and-opportunity signal. Around 5% of adults hold a bachelor's degree or higher. The demographic-stress sub-score lands at 39/100. The tenure split is 100% owner-occupied to 0% rented. Median household income is $81,420, near the U.S. median near $78,000. About 106 people live here, median age 61. 40.6% of residents fall below the poverty threshold. There are about 73 housing units across 21866.

Taken together, 21866 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. 21866 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.

The 21866 read uses the identical scoring model applied coast to coast, which means its 25/100 score means exactly what it means anywhere else, and 21866 stays directly comparable to neighboring ZIPs and the rest of Somerset County, Maryland. Where the record is thin for 21866, the field stays empty rather than modeled, and fills in as new documents post.

The 25/100 for 21866 sums independent layers - foreclosure, mortgage, tax-lien, lender headwind and structural risk - so the mix behind the number matters as much as the number. In workflow terms, 21866 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.