ZIP 05401 Foreclosure, Tax-Lien & Distress Report
Chittenden County, Vermont · High Poverty market
Scored purely from public records, 05401 (Chittenden County, Vermont) returns a low composite of 25/100. Climate and flood risk are elevated too — flood (NFIP) exposure (89/100), FEMA disaster exposure (78/100), climate & FEMA risk (72/100). Its heaviest discrete signals: institutional ownership (62/100), structural risk (55/100), mortgage stress (23/100). mortgage stress (23/100) stay muted. Latent structural risk is 55/100 while live distress already moving reads 7/100.
The peak-phase market in 05401 posted values that rose 0.7% over the year, and 20% higher over three years, at 16/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.
There are about 13,722 housing units across 05401. Around 49% of renters are cost-burdened. Home values center near $492,100, an affordability ratio of 7.7× — stretched. Around 63% of adults hold a bachelor's degree or higher. Population is roughly 31,676 with a median age of 25. The vacancy rate is 3.9%. The demographic-stress sub-score lands at 47/100. At $60,532, median income runs below typical U.S. levels. Owners hold 29% of homes, renters 71%. The poverty rate is 28.4% — high, a tax-stress and distress correlate.
Net-net, 05401 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. Parcel-level detail for 05401 is not published yet -- the ZIP-level readings above remain fully sourced to public records.
The number is not local guesswork: 05401's 25/100 comes from the same nationwide foreclosure, tax, mortgage and lender model, making it directly comparable anywhere. The score is rebuilt from public data as it updates, so 05401 reflects the current record instead of a stale or modeled snapshot.
The 25/100 for 05401 sums independent layers - foreclosure, mortgage, tax-lien, lender headwind and structural risk - so the mix behind the number matters as much as the number. Treat 05401 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.
What is driving ZIP 05401’s distress
Unpaid tax, corporate ownership share, insurance cost pressure, NFIP flood risk, construction slowdown, price gaps and auction turnover — plus the 0 individual distressed properties carry owner, address, APN, a parcel-level score and an exit read in the full DLRadar file.
ZIP 05401 Stress Report snapshot
The live 05401 panel — distress score, market phase, housing and bank pressure — as attached to every individual property.
More ZIPs across Chittenden County
Related reports across Chittenden County, Vermont
Further distress data across Chittenden County, Vermont at ZIP, county and state level.
See every distressed parcel in 05401
The full 05401 file lists each distressed parcel with owner, address, APN, per-property score, bank exposure and exit-velocity read, and carries it straight through funding and closing. Refreshed continuously.
No modelling: every input is a public record · methodology