ZIP 20685 Property Distress & Foreclosure Data

ZIP code 20685 in Calvert County, Maryland carries a composite property-distress score of 12/100 — a minimal reading on DLRadar's deterministic public-record index. Environmental exposure also runs high (flood (NFIP) exposure (73/100)). On the structural side it scores 27/100, with 2/100 of stress already active. What sets it apart are the readings on structural risk (27/100), institutional ownership (17/100), mortgage stress (7/100). On the quiet end sit institutional ownership (17/100) and mortgage stress (7/100).

The peak-phase market in 20685 posted values that rose 4.6% over the year, 1.9% off the recent peak, and 14% higher over three years (phase confidence 24/100). Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

Owners hold 95% of homes, renters 5%. DLRadar's demographic-stress index for the area reads 26/100. 0.5% of residents fall below the poverty threshold. Educational attainment sits at 24% bachelor's-or-above. Median household income is $122,059, above the U.S. median near $78,000. Population is roughly 6,481 with a median age of 45. Around 36% of renters are cost-burdened. Home values center near $450,400, an affordability ratio of 3.5× — accessible. The ZIP holds roughly 2,676 housing units. The vacancy rate is 5.5%.

Broadly, 20685 is a steadier market — the deals are the exceptions, not the rule. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.