ZIP 20685 Foreclosure, Tax-Lien & Distress Report

Composite property distress in 20685 (Calvert County, Maryland) lands at 19/100 — low on DLRadar's distress scoring. Climate and flood risk are elevated too — flood (NFIP) exposure (70/100). Structural exposure scores 46 and live distress 2 on the 0–100 scale. What sets it apart are the readings on construction/permit lag (79/100), structural risk (46/100), institutional ownership (16/100). On the quiet end sit institutional ownership (16/100) and mortgage stress (7/100).

The contraction-phase market in 20685 posted values that fell 0.8% over the year, and 14% higher over three years, at 41/100 phase confidence. A cooling market tends to open discount-to-value windows.

95% of housing is owner-occupied. The demographic-stress sub-score lands at 26/100. 0.5% of residents fall below the poverty threshold. Educational attainment sits at 24% bachelor's-or-above. Households earn a median $122,059 — above the roughly $78,000 national figure. About 6,481 people live here, median age 45. Rent burden reaches 36% of tenant households. Home values center near $450,400, an affordability ratio of 3.5× — accessible. There are about 2,676 housing units across 20685. The vacancy rate is 5.5%.

Taken together, 20685 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. While 20685 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

Whether 20685 runs hot or quiet, its 19/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 20685 can be compared directly against any other ZIP in Calvert County, Maryland or nationwide. Sparse data for 20685 shows as blanks, never estimates, and the score updates on every fresh public filing.

Each component behind 20685 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 19/100 roll-up. In workflow terms, 20685 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.