ZIP 20632 Foreclosure, Tax-Lien & Distress Report

Charles County, Maryland's ZIP 20632 registers 22/100 composite distress, which DLRadar reads as low. Its heaviest discrete signals: construction/permit lag (89/100), structural risk (51/100), institutional ownership (15/100). By contrast, institutional ownership (15/100) register low. It additionally carries heavy environmental risk: flood (NFIP) exposure (65/100). Structural exposure scores 51 and live distress 0 on the 0–100 scale.

The peak-phase market in 20632 posted values that rose 1.6% over the year, at 20/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

A median home runs $474,500 here, or 2.4 times local income. The vacancy rate is 25.5% — elevated. At $204,071, median income runs above typical U.S. levels. The ZIP holds roughly 168 housing units. 2.1% of residents fall below the poverty threshold. The demographic-stress sub-score lands at 34/100. Around 45% of adults hold a bachelor's degree or higher. 91% of housing is owner-occupied. Rent burden reaches 100% of tenant households. Population is roughly 687 with a median age of 39.

Net-net, 20632 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. There is no property file for 20632 at the moment; the composite and its components are still built from verifiable public records.

No ZIP is too small to score: 20632 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 22/100 composite is a like-for-like number rather than an isolated estimate. Nothing here is interpolated — where a source is thin for 20632, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

The 22/100 figure for 20632 is a composite, not one metric: it rolls up foreclosure and pre-foreclosure activity, mortgage stress, tax delinquency and liens, local lender headwind, and structural risk into a single reading, which is why a ZIP can look calm on price yet score high on distress. For a buyer, 20632 is one row in a larger workflow: confirm the score, pull the distressed parcels behind it, then move from signal to funded, closed acquisition through DLRadar.