ZIP 20645 Foreclosure, Tax-Lien & Distress Report

Scored on a fixed 0-100 scale, 20645 (Charles County, Maryland) returns a low composite of 22/100. Property-level stress concentrates in construction/permit lag (97/100), structural risk (53/100), institutional ownership (15/100). By contrast, institutional ownership (15/100) and mortgage stress (6/100) register low. The latent-versus-live split is 53/100 structural and 2/100 already moving. It additionally carries heavy environmental risk: flood (NFIP) exposure (63/100).

The market reads peak — home values rose 1.6% year on year (phase confidence 20/100). Topping markets hide individual distress behind strong averages.

The tenure split is 96% owner-occupied to 4% rented. At $176,591, median income runs above typical U.S. levels. On demographic stress specifically, 20645 scores 31/100. About 43% have a four-year degree. A median home runs $531,500 here, or 2.9 times local income. Vacancy runs 0.0%. There are about 298 housing units across 20645. Roughly 0.0% live below the poverty line, a low share typical of higher-equity areas. About 717 people live here, median age 55.

On balance 20645 is mixed, rewarding parcel-by-parcel screening over broad assumptions. Parcel-level detail for 20645 is not published yet -- the ZIP-level readings above remain fully sourced.

Whether 20645 runs hot or quiet, its 22/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 20645 can be compared directly against any other ZIP in Charles County, Maryland or nationwide. The score is rebuilt from public data as it updates, so 20645 reflects the current record instead of a stale or modeled snapshot.

The 22/100 for 20645 sums independent layers - foreclosure, mortgage, tax-lien, lender headwind and structural risk - so the mix behind the number matters as much as the number. Practically, 20645 works as a screen — verify the reading, drill to the specific parcels driving it, and carry the deal through capital and closing on the platform.