ZIP 05465 Foreclosure, Tax-Lien & Distress Report

Chittenden County, Vermont's ZIP 05465 registers 25/100 composite distress, which DLRadar reads as low. Environmental exposure also runs high (flood (NFIP) exposure (89/100), FEMA disaster exposure (78/100), climate & FEMA risk (72/100)). Its standout signals are institutional ownership (62/100), structural risk (55/100), mortgage stress (23/100). By contrast, mortgage stress (23/100) register low. Structural risk reads 55/100 against active distress of 7/100.

The market reads peak — home values rose 0.7% year on year, and 22% higher over three years, at 16/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

Owners hold 92% of homes, renters 8%. The vacancy rate is 1.1%. Median household income is $116,786, above the U.S. median near $78,000. Around 67% of renters are cost-burdened. There are about 2,388 housing units across 05465. The poverty rate is 1.2% — low. Home values center near $477,400, an affordability ratio of 3.9× — accessible. DLRadar's demographic-stress index for the area reads 27/100. 5,628 residents call 05465 home, typically aged 45. Around 65% of adults hold a bachelor's degree or higher.

Net-net, 05465 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. 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: 05465 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 05465 shows as blanks, never estimates, and the score updates on every fresh public filing.

The 25/100 figure for 05465 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. Practically, 05465 works as a screen — verify the reading, drill to the specific parcels driving it, and carry the deal through capital and closing on the platform.