ZIP 20628 Foreclosure, Tax-Lien & Distress Report
St. Mary's County, Maryland · High Vacancy market
ZIP code 20628 in St. Mary's County, Maryland carries a composite property-distress score of 20/100 — a low reading on DLRadar's deterministic public-record index. On the structural side it scores 46/100, with 0/100 of stress already active. The sharpest non-environmental signals are construction/permit lag (67/100), structural risk (46/100), institutional ownership (16/100). institutional ownership (16/100) stay muted. It additionally carries heavy environmental risk: flood (NFIP) exposure (67/100).
Prices here sit in a contraction phase: values fell 0.8% over the trailing year, at 41/100 phase confidence. A cooling market tends to open discount-to-value windows.
The vacancy rate is 16.2% — elevated. Households earn a median $160,043 — above the roughly $78,000 national figure. 90% of housing is owner-occupied. Around 47% of renters are cost-burdened. Home values center near $545,800, an affordability ratio of 2.6× — accessible. The poverty rate is 4.8% — low. Population is roughly 791 with a median age of 56. Around 43% of adults hold a bachelor's degree or higher. There are about 268 housing units across 20628. On demographic stress specifically, 20628 scores 25/100.
On the whole, 20628 leans distressed, with opportunity clustered in specific stressed parcels. No parcel file is published for 20628 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.
Because one deterministic model scores every ZIP, 20628's 20/100 can be lined up against any neighbor in St. Mary's County, Maryland or any ZIP coast to coast. The score is rebuilt from public data as it updates, so 20628 reflects the current record instead of a stale or modeled snapshot.
The 20/100 for 20628 sums independent layers - foreclosure, mortgage, tax-lien, lender headwind and structural risk - so the mix behind the number matters as much as the number. The point of the 20628 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.
ZIP 20628 distress signals, scored
Unpaid tax, corporate ownership share, insurance cost pressure, NFIP flood risk, construction slowdown, price gaps and auction turnover — plus the 0 individual distressed properties are broken out by owner, address, APN, per-property score and exit read inside DLRadar.
The 20628 distress snapshot
Real-time distress, cycle phase, housing and bank-stress readings for 20628, the same set carried on every parcel.
Neighbouring ZIPs in St. Mary's County
Related reports across St. Mary's County, Maryland
Further distress data across St. Mary's County, Maryland at ZIP, county and state level.
See every distressed parcel in 20628
The full 20628 file lists each distressed parcel with owner, address, APN, per-property score, bank exposure and exit-velocity read, and carries it straight through funding and closing. Refreshed continuously.
Each signal above is traceable to an open dataset · methodology