ZIP 20636 Property Distress & Foreclosure Data

In St. Mary'S County, Maryland, ZIP 20636 scores 17 of 100 for composite distress, a low level on DLRadar's public-record index. Its standout signals are 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). The latent-versus-live split is 40/100 structural and 2/100 already moving.

The market reads peak — home values rose 4.6% year on year, 1.9% off the recent peak, and 14% higher over three years (phase confidence 24/100). Topping markets hide individual distress behind strong averages.

At $159,800, median income runs above typical U.S. levels. The demographic-stress sub-score lands at 26/100. Around 43% of renters are cost-burdened. The vacancy rate is 12.9% — elevated. The poverty rate is 5.5% — low. 88% of housing is owner-occupied. Around 37% of adults hold a bachelor's degree or higher. About 10,357 people live here, median age 40. The typical home is worth about $474,000 (2.9× income, relatively affordable). The ZIP holds roughly 3,880 housing units.

Net-net, 20636 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.