There is no person now, and there has never been a person who in your opinion could objectively be called a racist?
Well, I guess people who committed genocide, or stood on state house steps to defend segregation could be safely called "racist" although I think the word "objectively" is problematic. The word "objectively" implies that any reasonable person, regardless of their political ideology, would agree which people met the criteria of racist. This becomes problematic when the word racist is now being used for a broad category of things ranging from graffiti on mosques to hoop earrings.
In any rate, the OP isn't talking about genocide, or oppression. She is talking about her judgment of the internal mental state of her neighbors. It is certainly objective. When you are using a derogatory word to describe your judgment of your neighbors, the nuance of the exact word doesn't matter.
I am sympathetic to racial issues... I grew up in an interracial family and my kids are mixed race. I am only talking about words here. If you are going to have a dialog with someone, it is better to be specific about what the issue is.
If you are going to give your feelings about people of whom you disapprove to people who already agree with you, than the specific words used to describe these emotions don't really matter.
We just lost an election. A turning point was when Hillary talked about a "basket of deplorables"... this was a phrase that was cheered by her fervent supporters. I realized what a huge tactical error she had made when I went to Topsfield fair during the election (a local agricultural fair in Massachusetts). There were many stands all selling T-Shirts to the effect of "I am a deplorable!". This was the time I started to fear we were going to lose.
There are two different types of communication going on here. If you say to your friends "he is a racist", you are expressing an emotion to someone who already understands you and shares your point of view. You both understand the emotion and the beliefs behind the emotion. The dictionary definition and any objective test of this racism are really not important. It is a shortcut to a shared understanding.
If you are talking to a general audience, or to people outside of your political bubble, the phrase "he is a racist" doesn't have the implicit meaning. It is a vague term that probably won't mean anything to the people who are listening. In this case, you need to be more specific. For me to talk about how my son was upset being followed around in stores is a specific story that people can understand and perhaps relate to. The generic term that is being applied to so many different ideas doesn't have much value in this case. And, it may be detrimental to communicating your ideas as Hillary found out.