ZIP 20630 Property Distress & Foreclosure Data

ZIP code 20630 in St. Mary'S County, Maryland carries a composite property-distress score of 17/100 — a low reading on DLRadar's deterministic public-record index. What sets it apart are the readings on construction/permit lag (44/100), structural risk (40/100), institutional ownership (16/100). By contrast, institutional ownership (16/100) and mortgage stress (7/100) register low. It additionally carries heavy environmental risk: flood (NFIP) exposure (68/100). On the structural side it scores 40/100, with 2/100 of stress already active.

The market reads peak — home values rose 4.6% year on year, 1.9% off the recent peak, and 8% higher over three years (phase confidence 24/100). Topping markets hide individual distress behind strong averages.

At $227,581, median income runs above typical U.S. levels. The poverty rate is 0.0% — low. The ZIP holds roughly 253 housing units. Around 69% of adults hold a bachelor's degree or higher. Around 0% of renters are cost-burdened. 68% of housing is owner-occupied. The demographic-stress sub-score lands at 14/100. The typical home is worth about $618,100 (2.6× income, relatively affordable). About 346 people live here, median age 57. The vacancy rate is 0.0%.

Overall 20630 looks resilient on the surface, so the edge is isolating individual stressed parcels. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.