ZIP 20904 Foreclosure, Tax-Lien & Distress Report

Montgomery County, Maryland's ZIP 20904 registers 20/100 composite distress, which DLRadar reads as low. Climate and flood risk are elevated too — climate & FEMA risk (92/100), flood (NFIP) exposure (80/100). The split runs 43/100 structural to 2/100 active on the ground. What sets it apart are the readings on 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 peak-phase market in 20904 posted values that rose 1.6% over the year, and 14% higher over three years (phase confidence 20/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

Home values center near $560,000, an affordability ratio of 5.7×. Around 50% of adults hold a bachelor's degree or higher. Households earn a median $93,322 — above the roughly $78,000 national figure. The vacancy rate is 5.0%. Roughly 9.2% live below the poverty line. On demographic stress specifically, 20904 scores 39/100. Around 55% of renters are cost-burdened. There are about 22,261 housing units across 20904. 51% of housing is owner-occupied. About 57,244 people live here, median age 40.

Overall, 20904 shows a mixed profile — neither uniformly stressed nor insulated — so opportunity is property-specific. While 20904 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

The 20904 read uses the identical scoring model applied coast to coast, which means its 20/100 score means exactly what it means anywhere else, and 20904 stays directly comparable to neighboring ZIPs and the rest of Montgomery County, Maryland. 20904 carries no interpolated values - each figure ties to a public source and refreshes the moment new records land.

Each component behind 20904 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 20/100 roll-up. For an operator, 20904 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.