ZIP 20680 Foreclosure, Tax-Lien & Distress Report

Composite property distress in 20680 (St. Mary's County, Maryland) lands at 20/100 — low on DLRadar's public-record scoring. Climate and flood risk are elevated too — flood (NFIP) exposure (67/100). Property-level stress concentrates in construction/permit lag (67/100), structural risk (46/100), institutional ownership (16/100). By contrast, institutional ownership (16/100) register low. Structurally it carries 46/100, against 0/100 of stress already in motion.

The contraction-phase market in 20680 posted values that fell 0.8% over the year (phase confidence 41/100). A cooling market tends to open discount-to-value windows.

The ZIP holds roughly 288 housing units. Owners hold 72% of homes, renters 28%. Home values center near $397,500, an affordability ratio of 4.8×. The vacancy rate is 14.8% — elevated. Rent burden reaches 54% of tenant households. The demographic-stress sub-score lands at 37/100. Educational attainment sits at 31% bachelor's-or-above. Households earn a median $81,125 — near the roughly $78,000 national figure. About 702 people live here, median age 34. The poverty rate is 13.5%.

On the whole, 20680 leans distressed, with opportunity clustered in specific stressed parcels. 20680 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.

The 20680 read uses the identical public-record model applied coast to coast, which means its 20/100 score means exactly what it means anywhere else, and 20680 stays directly comparable to neighboring ZIPs and the rest of St. Mary's County, Maryland. Where the public record is thin for 20680, the field stays empty rather than modeled, and fills in as new documents post.

20680's headline rolls up several separately-scored signals, which is why two ZIPs can share a composite yet face very different distress. The point of the 20680 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.