ZIP 20854 Foreclosure, Tax-Lien & Distress Report

Composite property distress in 20854 (Montgomery County, Maryland) lands at 20/100 — low on DLRadar's public-record scoring. Property-level stress concentrates 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). Structural exposure scores 43 and live distress 2 on the 0–100 scale. Environmental exposure also runs high (climate & FEMA risk (92/100), flood (NFIP) exposure (81/100)).

The peak-phase market in 20854 posted values that rose 1.6% over the year, and 23% higher over three years (phase confidence 20/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

The poverty rate is 2.5% — low. DLRadar's demographic-stress index for the area reads 22/100. Households earn a median $250,001 — above the roughly $78,000 national figure. The typical home is worth about $1,165,400 (4.4× income). The ZIP holds roughly 17,311 housing units. Around 86% of adults hold a bachelor's degree or higher. The tenure split is 90% owner-occupied to 10% rented. The vacancy rate is 3.4%. Around 29% of renters are cost-burdened. Population is roughly 49,694 with a median age of 48.

Overall, 20854 shows a mixed profile — neither uniformly stressed nor insulated — so opportunity is property-specific. 20854 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.

Whether 20854 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 20854 can be compared directly against any other ZIP in Montgomery County, Maryland or nationwide. The score is rebuilt from public data as it updates, so 20854 reflects the current record instead of a stale or modeled snapshot.

The 20/100 for 20854 sums independent layers - foreclosure, mortgage, tax-lien, lender headwind and structural risk - so the mix behind the number matters as much as the number. Practically, 20854 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.