ZIP 20812 Foreclosure, Tax-Lien & Distress Report

ZIP code 20812 in Montgomery County, Maryland carries a composite property-distress score of 20/100 — a low reading on DLRadar's deterministic distress index. Property-level stress concentrates in structural risk (43/100), institutional ownership (18/100), mortgage stress (7/100). By contrast, institutional ownership (18/100) and mortgage stress (7/100) register low. Climate and flood risk are elevated too — climate & FEMA risk (92/100), flood (NFIP) exposure (80/100). Structural exposure scores 43 and live distress 2 on the 0–100 scale.

Prices here sit in a peak phase: values rose 1.6% over the trailing year, at 20/100 phase confidence. Topping markets hide individual distress behind strong averages.

Median household income is $195,000, above the U.S. median near $78,000. On demographic stress specifically, 20812 scores 22/100. 1.3% of residents fall below the poverty threshold. There are about 105 housing units across 20812. Vacancy runs 5.3%. Around 83% of adults hold a bachelor's degree or higher. Rent burden reaches 0% of tenant households. 314 residents call 20812 home, typically aged 48. 94% of housing is owner-occupied. Home values center near $1,163,500, an affordability ratio of 5.8×.

Overall, 20812 shows a mixed profile — neither uniformly stressed nor insulated — so opportunity is property-specific. 20812 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.

Big metro or rural, 20812 runs through one identical scoring model, so its 20/100 sits on the same scale as every other ZIP in Montgomery County, Maryland and the nation. Every figure is auditable to a public dataset and refreshed as records update; 20812 shows blanks, not estimates, wherever the record is sparse.

Each component behind 20812 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 20/100 roll-up. For an operator, 20812 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.