ZIP 20640 Foreclosure, Tax-Lien & Distress Report

ZIP 20640's composite property-distress score is 22/100 - DLRadar classes that as low for Charles County, Maryland. On the structural side it scores 51/100, with 2/100 of stress already active. It additionally carries heavy environmental risk: flood (NFIP) exposure (65/100). Its heaviest discrete signals: construction/permit lag (89/100), structural risk (51/100), institutional ownership (15/100). On the quiet end sit institutional ownership (15/100) and mortgage stress (6/100).

The market reads peak — home values rose 1.6% year on year, and 14% higher over three years, at 20/100 phase confidence. Topping markets hide individual distress behind strong averages.

Home values center near $324,600, an affordability ratio of 3.2× — accessible. Roughly 7.4% live below the poverty line, a low share typical of higher-equity areas. The tenure split is 79% owner-occupied to 21% rented. About 25% have a four-year degree. The vacancy rate is 7.0%. At $95,560, median income runs above typical U.S. levels. About 10,254 people live here, median age 39. Rent burden reaches 48% of tenant households. The ZIP holds roughly 4,501 housing units. The demographic-stress sub-score lands at 29/100.

Overall, 20640 shows a mixed profile — neither uniformly stressed nor insulated — so opportunity is property-specific. While 20640 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

The 20640 read uses the identical public-record model applied coast to coast, which means its 22/100 score means exactly what it means anywhere else, and 20640 stays directly comparable to neighboring ZIPs and the rest of Charles County, Maryland. Nothing here is interpolated — where a source is thin for 20640, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

The 22/100 figure for 20640 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. In workflow terms, 20640 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.