ZIP 20678 Foreclosure, Tax-Lien & Distress Report

On DLRadar's 0-100 public-record scale, ZIP 20678 in Calvert County, Maryland comes in at 18, a low composite-distress reading. What sets it apart are the readings on construction/permit lag (67/100), structural risk (43/100), institutional ownership (17/100). On the quiet end sit institutional ownership (17/100) and mortgage stress (7/100). The latent-versus-live split is 43/100 structural and 2/100 already moving. Climate and flood risk are elevated too — flood (NFIP) exposure (72/100).

The contraction-phase market in 20678 posted values that fell 0.8% over the year, and 10% higher over three years (phase confidence 41/100). Softening prices widen the spread between distressed and market value — what acquisition buyers watch for.

The poverty rate is 9.1%. About 12,686 people live here, median age 39. Median household income is $118,288, above the U.S. median near $78,000. 79% of housing is owner-occupied. Rent burden reaches 46% of tenant households. A median home runs $455,100 here, or 3.6 times local income. Around 30% of adults hold a bachelor's degree or higher. The demographic-stress sub-score lands at 30/100. There are about 5,183 housing units across 20678. Vacancy runs 5.4%.

Taken together, 20678 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. While 20678 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

Big metro or rural, 20678 runs through one identical public-record model, so its 18/100 sits on the same scale as every other ZIP in Calvert County, Maryland and the nation. Where the public record is thin for 20678, the field stays empty rather than modeled, and fills in as new documents post.

20678's score blends several independent layers — foreclosure and mortgage stress, tax and lien delinquency, bank headwind and structural exposure — into one 0–100 number, so understanding the components matters as much as the headline for anyone screening the ZIP. Practically, 20678 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.