ZIP 05446 Foreclosure, Tax-Lien & Distress Report

On DLRadar's 0-100 public-record scale, ZIP 05446 in Chittenden County, Vermont comes in at 25, a low composite-distress reading. Its heaviest discrete signals: 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). Latent structural risk is 55/100 while live distress already moving reads 7/100.

Prices here sit in a peak phase: values rose 0.7% over the trailing year, and 30% higher over three years, at 16/100 phase confidence. Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

Around 41% of adults hold a bachelor's degree or higher. The demographic-stress sub-score lands at 29/100. Roughly 8.0% live below the poverty line. Around 43% of renters are cost-burdened. At $97,442, median income runs above typical U.S. levels. The typical home is worth about $393,200 (3.7× income, relatively affordable). There are about 7,876 housing units across 05446. The vacancy rate is 11.0%. 72% of housing is owner-occupied. 16,361 residents call 05446 home, typically aged 40.

Overall, 05446 shows a mixed profile — neither uniformly stressed nor insulated — so opportunity is property-specific. Parcel-level detail for 05446 is not published yet -- the ZIP-level readings above remain fully sourced to public records.

Because one deterministic model scores every ZIP, 05446's 25/100 can be lined up against any neighbor in Chittenden County, Vermont or any ZIP coast to coast. Nothing here is interpolated — where a source is thin for 05446, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

05446's score blends several independent layers — foreclosure and mortgage stress, tax and lien delinquency, bank headwind and structural exposure — into one 0–100 number, so understanding the components matters as much as the headline for anyone screening the ZIP. For a buyer, 05446 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.