ZIP 20861 Foreclosure, Tax-Lien & Distress Report

DLRadar grades ZIP 20861 (Montgomery County, Maryland) at a low 20/100 for overall property distress. Environmental exposure also runs high (climate & FEMA risk (92/100), flood (NFIP) exposure (81/100)). Latent structural risk is 43/100 while live distress already moving reads 2/100. Its standout signals are 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.

The market reads peak — home values rose 1.6% year on year, and 24% higher over three years (phase confidence 20/100). Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

There are about 971 housing units across 20861. The demographic-stress sub-score lands at 22/100. Owners hold 99% of homes, renters 1%. Rent burden reaches 0% of tenant households. The vacancy rate is 4.1%. Educational attainment sits at 71% bachelor's-or-above. Roughly 2.1% live below the poverty line, a low share typical of higher-equity areas. The typical home is worth about $852,700 (5.4× income). Households earn a median $176,094 — above the roughly $78,000 national figure. About 3,020 people live here, median age 56.

Net-net, 20861 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. While 20861 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

No ZIP is too small to score: 20861 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. 20861 carries no interpolated values - each figure ties to a public source and refreshes the moment new records land.

20861's score blends several independent layers — foreclosure and mortgage stress, tax and lien delinquency, bank headwind and structural exposure — into one 0–100 number, so understanding the components matters as much as the headline for anyone screening the ZIP. Treat 20861 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.