ZIP 20855 Foreclosure, Tax-Lien & Distress Report

Scored purely from public records, 20855 (Montgomery County, Maryland) returns a low composite of 20/100. It additionally carries heavy environmental risk: climate & FEMA risk (92/100), flood (NFIP) exposure (81/100). Leading the profile are structural risk (43/100), institutional ownership (18/100), mortgage stress (7/100). institutional ownership (18/100) and mortgage stress (7/100) stay muted. Structural risk reads 43/100 against active distress of 2/100.

Prices here sit in a peak phase: values rose 1.6% over the trailing year, and 16% higher over three years, at 20/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

16,557 residents call 20855 home, typically aged 42. The typical home is worth about $640,300 (4.2× income). 78% of housing is owner-occupied. DLRadar's demographic-stress index for the area reads 24/100. Vacancy runs 1.6%. About 68% have a four-year degree. Households earn a median $147,708 — above the roughly $78,000 national figure. 4.5% of residents fall below the poverty threshold. The ZIP holds roughly 6,525 housing units. Around 27% of renters are cost-burdened.

Net-net, 20855 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. Parcel-level detail for 20855 is not published yet -- the ZIP-level readings above remain fully sourced to public records.

The 20855 read uses the identical public-record model applied coast to coast, which means its 20/100 score means exactly what it means anywhere else, and 20855 stays directly comparable to neighboring ZIPs and the rest of Montgomery County, Maryland. 20855 carries no interpolated values - each figure ties to a public source and refreshes the moment new records land.

Behind 20855'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. For a buyer, 20855 is one row in a larger workflow: confirm the score, pull the distressed parcels behind it, then move from signal to funded, closed acquisition through DLRadar.