ZIP 20732 Foreclosure, Tax-Lien & Distress Report

In Calvert County, Maryland, ZIP 20732 scores 18 of 100 for composite distress, a low level on DLRadar's public-record index. The split runs 43/100 structural to 2/100 active on the ground. Property-level stress concentrates in construction/permit lag (67/100), structural risk (43/100), institutional ownership (17/100). By contrast, institutional ownership (17/100) and mortgage stress (7/100) register low. Climate and flood risk are elevated too — flood (NFIP) exposure (72/100).

The market reads contraction — home values fell 0.8% year on year, and 9% higher over three years (phase confidence 41/100). Falling values surface more motivated sellers and below-market exits.

Home values center near $448,700, an affordability ratio of 3.1× — accessible. Vacancy runs 7.3%. 10,940 residents call 20732 home, typically aged 43. Rent burden reaches 55% of tenant households. Roughly 2.3% live below the poverty line, a low share typical of higher-equity areas. On demographic stress specifically, 20732 scores 27/100. 88% of housing is owner-occupied. Households earn a median $135,925 — above the roughly $78,000 national figure. The ZIP holds roughly 4,489 housing units. Around 42% of adults hold a bachelor's degree or higher.

On the whole, 20732 leans distressed, with opportunity clustered in specific stressed parcels. There is no property file for 20732 at the moment; the composite and its components are still built from verifiable public records.

The number is not local guesswork: 20732's 18/100 comes from the same nationwide foreclosure, tax, mortgage and lender model, making it directly comparable anywhere. Where the public record is thin for 20732, the field stays empty rather than modeled, and fills in as new documents post.

Behind 20732's composite sit distinct signals (foreclosure, mortgage, tax-lien, lender and structural), each scored on its own before rolling up, so two ZIPs with the same total can describe very different situations on the ground. In workflow terms, 20732 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.