ZIP 05445 Foreclosure, Tax-Lien & Distress Report

In Chittenden County, Vermont, ZIP 05445 scores 25 of 100 for composite distress, a low level on DLRadar's public-record index. The latent-versus-live split is 55/100 structural and 7/100 already moving. Its standout signals are institutional ownership (62/100), structural risk (55/100), mortgage stress (23/100). On the quiet end sit mortgage stress (23/100). It additionally carries heavy environmental risk: flood (NFIP) exposure (89/100), FEMA disaster exposure (78/100), climate & FEMA risk (72/100).

The market reads peak — home values rose 0.7% year on year, and 36% higher over three years (phase confidence 16/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

There are about 2,098 housing units across 05445. Home values center near $695,300, an affordability ratio of 4.8×. 94% of housing is owner-occupied. About 62% have a four-year degree. DLRadar's demographic-stress index for the area reads 28/100. The poverty rate is 3.2% — low. About 3,905 people live here, median age 50. Median household income is $136,385, above the U.S. median near $78,000. Vacancy runs 16.4%, above the national norm and a classic distress-and-opportunity signal. Around 43% of renters are cost-burdened.

Taken together, 05445 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. Parcel-level detail for 05445 is not published yet -- the ZIP-level readings above remain fully sourced to public records.

No ZIP is too small to score: 05445 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. Nothing here is interpolated — where a source is thin for 05445, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

The 25/100 figure for 05445 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. For a buyer, 05445 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.