ZIP 20851 Foreclosure, Tax-Lien & Distress Report

In Montgomery County, Maryland, ZIP 20851 scores 20 of 100 for composite distress, a low level on DLRadar's public-record index. On the structural side it scores 43/100, with 2/100 of stress already active. Climate and flood risk are elevated too — 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). institutional ownership (18/100) and mortgage stress (7/100) stay muted.

Prices here sit in a peak phase: values rose 1.6% over the trailing year, and 14% higher over three years, at 20/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

Population is roughly 14,660 with a median age of 39. The demographic-stress sub-score lands at 34/100. 57% of housing is owner-occupied. The poverty rate is 9.2%. There are about 5,338 housing units across 20851. The vacancy rate is 3.6%. Rent burden reaches 45% of tenant households. About 41% have a four-year degree. A median home runs $568,900 here, or 4.6 times local income. Households earn a median $113,951 — above the roughly $78,000 national figure.

Net-net, 20851 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. Parcel-level detail for 20851 is not published yet -- the ZIP-level readings above remain fully sourced to public records.

Whether 20851 runs hot or quiet, its 20/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 20851 can be compared directly against any other ZIP in Montgomery County, Maryland or nationwide. Every figure is auditable to a public dataset and refreshed on ingest; 20851 shows blanks, not estimates, wherever the record is sparse.

Each component behind 20851 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 20/100 roll-up. Practically, 20851 works as a screen — verify the reading, drill to the specific parcels driving it, and carry the deal through capital and closing on the platform.