ZIP 20634 Foreclosure, Tax-Lien & Distress Report

ZIP 20634's composite property-distress score is 20/100 - DLRadar classes that as low for St. Mary's County, Maryland. The pressure is most legible in construction/permit lag (67/100), structural risk (46/100), institutional ownership (16/100). By contrast, institutional ownership (16/100) and mortgage stress (7/100) register low. Environmental exposure also runs high (flood (NFIP) exposure (67/100)). Structural risk reads 46/100 against active distress of 2/100.

The contraction-phase market in 20634 posted values that fell 0.8% over the year, and 27% higher over three years (phase confidence 41/100). Softening prices widen the spread between distressed and market value — what acquisition buyers watch for.

Households earn a median $117,431 — above the roughly $78,000 national figure. Population is roughly 6,976 with a median age of 32. The demographic-stress sub-score lands at 26/100. Around 37% of renters are cost-burdened. Roughly 4.3% live below the poverty line, a low share typical of higher-equity areas. Educational attainment sits at 41% bachelor's-or-above. The typical home is worth about $342,300 (2.9× income, relatively affordable). There are about 3,026 housing units across 20634. The vacancy rate is 11.6% — elevated. 68% of housing is owner-occupied.

On the whole, 20634 leans distressed, with opportunity clustered in specific stressed parcels. Parcel-level detail for 20634 is not published yet -- the ZIP-level readings above remain fully sourced to public records.

Big metro or rural, 20634 runs through one identical public-record model, so its 20/100 sits on the same scale as every other ZIP in St. Mary's County, Maryland and the nation. 20634 carries no interpolated values - each figure ties to a public source and refreshes the moment new records land.

Behind 20634's composite sit distinct signals (foreclosure, mortgage, tax-lien, lender and structural), each scored on its own before rolling up, so two ZIPs with the same total can describe very different situations on the ground. The point of the 20634 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.