ZIP 05404 Foreclosure, Tax-Lien & Distress Report
Chittenden County, Vermont · Distress market
On DLRadar's 0-100 public-record scale, ZIP 05404 in Chittenden County, Vermont comes in at 25, a low composite-distress reading. The most distinctive pressure shows up in institutional ownership (62/100), structural risk (55/100), mortgage stress (23/100). mortgage stress (23/100) stay muted. Structurally it carries 55/100, against 7/100 of stress already in motion. Environmental exposure also runs high (flood (NFIP) exposure (89/100), FEMA disaster exposure (78/100), climate & FEMA risk (72/100)).
Prices here sit in a peak phase: values rose 0.7% over the trailing year, and 21% higher over three years, at 16/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.
38% of housing is owner-occupied. Roughly 14.3% live below the poverty line. Households earn a median $77,020 — near the roughly $78,000 national figure. There are about 4,236 housing units across 05404. The demographic-stress sub-score lands at 33/100. A median home runs $381,500 here, or 4.5 times local income. Around 38% of renters are cost-burdened. Population is roughly 8,198 with a median age of 33. About 56% have a four-year degree. The vacancy rate is 2.8%.
On balance 05404 is mixed, rewarding parcel-by-parcel screening over broad assumptions. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.
No ZIP is too small to score: 05404 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 25/100 composite is a like-for-like number rather than an isolated estimate. Sparse data for 05404 shows as blanks, never estimates, and the score updates on every fresh public filing.
05404's headline rolls up several separately-scored signals, which is why two ZIPs can share a composite yet face very different distress. For a buyer, 05404 is one row in a larger workflow: confirm the score, pull the distressed parcels behind it, then move from signal to funded, closed acquisition through DLRadar.
What is driving ZIP 05404’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.
Snapshot: 05404 by the numbers
A live read on 05404: distress, market phase, housing and bank pressure — identical to the report behind every parcel.
Adjacent Chittenden County ZIP reports
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Unlock parcel-level detail for ZIP 05404
The full 05404 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.
Each signal above is traceable to an open dataset · methodology