ZIP 05476 Foreclosure, Tax-Lien & Distress Report

Franklin County, Vermont's ZIP 05476 registers 20/100 composite distress, which DLRadar reads as low. Structural exposure scores 44 and live distress 5 on the 0–100 scale. Property-level stress concentrates in construction/permit lag (71/100), structural risk (44/100), institutional ownership (39/100). On the quiet end sit institutional ownership (39/100) and mortgage stress (16/100). Climate and flood risk are elevated too — FEMA disaster exposure (71/100).

The market reads peak — home values rose 0.7% year on year, and 12% higher over three years, at 16/100 phase confidence. Topping markets hide individual distress behind strong averages.

Population is roughly 3,217 with a median age of 37. A median home runs $196,700 here, or 3.1 times local income. Median household income is $61,944, below the U.S. median near $78,000. DLRadar's demographic-stress index for the area reads 31/100. There are about 1,543 housing units across 05476. The poverty rate is 18.1% — high, a tax-stress and distress correlate. The tenure split is 73% owner-occupied to 27% rented. Around 19% of adults hold a bachelor's degree or higher. The vacancy rate is 16.8% — elevated. Around 34% of renters are cost-burdened.

Net-net, 05476 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. There is no property file for 05476 at the moment; the composite and its components are still built from verifiable public records.

The 05476 read uses the identical public-record model applied coast to coast, which means its 20/100 score means exactly what it means anywhere else, and 05476 stays directly comparable to neighboring ZIPs and the rest of Franklin County, Vermont. Where the public record is thin for 05476, the field stays empty rather than modeled, and fills in as new documents post.

The 20/100 figure for 05476 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. Treat 05476 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.