ZIP 20639 Foreclosure, Tax-Lien & Distress Report
Calvert County, Maryland · Cooling Market market
DLRadar grades ZIP 20639 (Calvert County, Maryland) at a low 18/100 for overall property distress. Structurally it carries 43/100, against 2/100 of stress already in motion. Climate and flood risk are elevated too — flood (NFIP) exposure (72/100). The most distinctive pressure shows up in construction/permit lag (67/100), structural risk (43/100), institutional ownership (17/100). institutional ownership (17/100) and mortgage stress (7/100) stay muted.
The contraction-phase market in 20639 posted values that fell 0.8% over the year, and 15% higher over three years (phase confidence 41/100). Softening prices widen the spread between distressed and market value — what acquisition buyers watch for.
About 14,969 people live here, median age 43. Owners hold 92% of homes, renters 8%. The vacancy rate is 3.9%. There are about 5,144 housing units across 20639. At $153,375, median income runs above typical U.S. levels. 3.1% of residents fall below the poverty threshold. A median home runs $555,100 here, or 3.5 times local income. DLRadar's demographic-stress index for the area reads 24/100. Around 30% of renters are cost-burdened. Educational attainment sits at 36% bachelor's-or-above.
Net-net, 20639 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.
Because one deterministic model scores every ZIP, 20639's 18/100 can be lined up against any neighbor in Calvert County, Maryland or any ZIP coast to coast. The score is rebuilt from public data as it updates, so 20639 reflects the current record instead of a stale or modeled snapshot.
The 18/100 figure for 20639 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. The point of the 20639 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.
Signal-by-signal read on 20639
Tax arrears, institutional buyers, insurance load, flood exposure, stalled construction, dislocated pricing and auction velocity — together with the 0 individual distressed properties — each with owner, address, APN, its own distress score and an exit read — are in the full report.
20639 at a glance
Real-time distress, cycle phase, housing and bank-stress readings for 20639, the same set carried on every parcel.
Nearby ZIPs in Calvert County
Related reports across Calvert County, Maryland
Other reports tied to Calvert County, Maryland — ZIP, county and statewide.
The complete 20639 distress and acquisition report
Pull every distressed parcel in 20639 — owner, address, APN, distress score, lender exposure and exit read — with funding and closing one click away. Nationwide coverage, continuously updated.
No modelling: every input is a public record · methodology