ZIP 20817 Foreclosure, Tax-Lien & Distress Report

Scored purely from public records, 20817 (Montgomery County, Maryland) returns a low composite of 20/100. Structural risk reads 43/100 against active distress of 2/100. Environmental exposure also runs high (climate & FEMA risk (92/100), flood (NFIP) exposure (81/100)). The pressure is most legible in structural risk (43/100), institutional ownership (18/100), mortgage stress (7/100). On the quiet end sit institutional ownership (18/100) and mortgage stress (7/100).

The peak-phase market in 20817 posted values that rose 1.6% over the year, and 18% higher over three years, at 20/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

82% of housing is owner-occupied. There are about 14,357 housing units across 20817. 37,738 residents call 20817 home, typically aged 46. Vacancy runs 5.4%. The typical home is worth about $1,183,600 (4.8× income). Around 85% of adults hold a bachelor's degree or higher. On demographic stress specifically, 20817 scores 25/100. Households earn a median $240,104 — above the roughly $78,000 national figure. Roughly 4.2% live below the poverty line, a low share typical of higher-equity areas. Rent burden reaches 34% of tenant households.

Net-net, 20817 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.

No ZIP is too small to score: 20817 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 20/100 composite is a like-for-like number rather than an isolated estimate. Nothing here is interpolated — where a source is thin for 20817, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

The 20/100 figure for 20817 is a composite, not one metric: it rolls up foreclosure and pre-foreclosure activity, mortgage stress, tax delinquency and liens, local lender headwind, and structural risk into a single reading, which is why a ZIP can look calm on price yet score high on distress. Treat 20817 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.