ZIP 21904 Foreclosure, Tax-Lien & Distress Report
Cecil County, Maryland · High Vacancy market
ZIP 21904's composite property-distress score is 26/100 - DLRadar classes that as low for Cecil County, Maryland. Climate and flood risk are elevated too — flood (NFIP) exposure (88/100), climate & FEMA risk (62/100). The pressure is most legible in construction/permit lag (100/100), structural risk (61/100), institutional ownership (20/100). On the quiet end sit institutional ownership (20/100) and mortgage stress (9/100). On the structural side it scores 61/100, with 3/100 of stress already active.
The market reads peak — home values rose 1.6% year on year, and 31% higher over three years, at 20/100 phase confidence. Topping markets hide individual distress behind strong averages.
The ZIP holds roughly 2,622 housing units. Households earn a median $84,375 — near the roughly $78,000 national figure. About 6,401 people live here, median age 41. The demographic-stress sub-score lands at 31/100. A median home runs $333,500 here, or 3.8 times local income. 7.5% of residents fall below the poverty threshold. The vacancy rate is 13.3% — elevated. About 25% have a four-year degree. Owners hold 84% of homes, renters 16%. Rent burden reaches 49% of tenant households.
Net-net, 21904 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. While 21904 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.
Whether 21904 runs hot or quiet, its 26/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 21904 can be compared directly against any other ZIP in Cecil County, Maryland or nationwide. The score is rebuilt from public data as it updates, so 21904 reflects the current record instead of a stale or modeled snapshot.
Each component behind 21904 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 26/100 roll-up. The point of the 21904 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.
ZIP 21904 distress signals, scored
Tax arrears, institutional buyers, insurance load, flood exposure, stalled construction, dislocated pricing and auction velocity — together with the 0 individual distressed properties carry owner, address, APN, a parcel-level score and an exit read in the full DLRadar file.
21904 at a glance
Real-time distress, cycle phase, housing and bank-stress readings for 21904, the same set carried on every parcel.
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Each signal above is traceable to an open dataset · methodology