ZIP 20912 Foreclosure, Tax-Lien & Distress Report

In Montgomery County, Maryland, ZIP 20912 scores 20 of 100 for composite distress, a low level on DLRadar's public-record index. On the structural side it scores 43/100, with 2/100 of stress already active. Its heaviest discrete signals: structural risk (43/100), institutional ownership (18/100), mortgage stress (7/100). institutional ownership (18/100) and mortgage stress (7/100) stay muted. Environmental exposure also runs high (climate & FEMA risk (92/100), flood (NFIP) exposure (81/100)).

Prices here sit in a peak phase: values rose 1.6% over the trailing year, and 10% higher over three years, at 20/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

There are about 10,303 housing units across 20912. 12.8% of residents fall below the poverty threshold. The tenure split is 43% owner-occupied to 57% rented. Educational attainment sits at 51% bachelor's-or-above. Population is roughly 25,428 with a median age of 38. The vacancy rate is 4.0%. At $82,097, median income runs near typical U.S. levels. Rent burden reaches 49% of tenant households. A median home runs $699,300 here, or 8.2 times local income. DLRadar's demographic-stress index for the area reads 46/100.

On balance 20912 is mixed, rewarding parcel-by-parcel screening over broad assumptions. 20912 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.

Whether 20912 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 20912 can be compared directly against any other ZIP in Montgomery County, Maryland or nationwide. Nothing here is interpolated — where a source is thin for 20912, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

The 20/100 figure for 20912 is a composite, not one metric: it rolls up foreclosure and pre-foreclosure activity, mortgage stress, tax delinquency and liens, local lender headwind, and structural risk into a single reading, which is why a ZIP can look calm on price yet score high on distress. In workflow terms, 20912 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.