ZIP 20886 Foreclosure, Tax-Lien & Distress Report

In Montgomery County, Maryland, ZIP 20886 scores 20 of 100 for composite distress, a low level on DLRadar's public-record index. It additionally carries heavy environmental risk: climate & FEMA risk (92/100), flood (NFIP) exposure (81/100). Its heaviest discrete signals: 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. On the structural side it scores 43/100, with 2/100 of stress already active.

Prices here sit in a peak phase: values rose 1.6% over the trailing year, and 39% higher over three years, at 20/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

34,419 residents call 20886 home, typically aged 38. The ZIP holds roughly 13,024 housing units. 68% of housing is owner-occupied. Vacancy runs 5.5%. The typical home is worth about $386,500 (3.7× income, relatively affordable). Around 43% of adults hold a bachelor's degree or higher. DLRadar's demographic-stress index for the area reads 32/100. At $98,767, median income runs above typical U.S. levels. 11.0% of residents fall below the poverty threshold. Rent burden reaches 57% of tenant households.

On balance 20886 is mixed, rewarding parcel-by-parcel screening over broad assumptions. While 20886 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

The number is not local guesswork: 20886's 20/100 comes from the same nationwide foreclosure, tax, mortgage and lender model, making it directly comparable anywhere. Nothing here is interpolated — where a source is thin for 20886, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

20886'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. In workflow terms, 20886 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.