ZIP 20645 Property Distress & Foreclosure Data

In Charles County, Maryland, ZIP 20645 scores 22 of 100 for composite distress, a low level on DLRadar's public-record index. Its standout signals are construction/permit lag (87/100), structural risk (51/100), institutional ownership (15/100). By contrast, institutional ownership (15/100) and mortgage stress (6/100) register low. On the structural side it scores 51/100, with 2/100 of stress already active. It additionally carries heavy environmental risk: flood (NFIP) exposure (66/100).

The market reads peak — home values rose 2.8% year on year (phase confidence 32/100). Topping markets hide individual distress behind strong averages.

96% of housing is owner-occupied. At $176,591, median income runs above typical U.S. levels. The demographic-stress sub-score lands at 18/100. Around 43% of adults hold a bachelor's degree or higher. The typical home is worth about $531,500 (2.9× income, relatively affordable). The vacancy rate is 0.0%. The ZIP holds roughly 298 housing units. The poverty rate is 0.0% — low. About 717 people live here, median age 55.

Overall 20645 looks resilient on the surface, so the edge is isolating individual stressed parcels. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.