ZIP 05477 Foreclosure, Tax-Lien & Distress Report

ZIP code 05477 in Chittenden County, Vermont carries a composite property-distress score of 25/100 — a low reading on DLRadar's deterministic distress index. Its heaviest discrete signals: institutional ownership (60/100), structural risk (55/100), mortgage stress (23/100). By contrast, mortgage stress (23/100) register low. Environmental exposure also runs high (flood (NFIP) exposure (86/100), FEMA disaster exposure (84/100), climate & FEMA risk (72/100)). Structural risk reads 55/100 against active distress of 7/100.

The peak-phase market in 05477 posted values that rose 0.7% over the year, and 17% higher over three years (phase confidence 16/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

Educational attainment sits at 64% bachelor's-or-above. The poverty rate is 3.9% — low. The typical home is worth about $424,400 (3.4× income, relatively affordable). Around 21% of renters are cost-burdened. The vacancy rate is 9.1%. On demographic stress specifically, 05477 scores 21/100. Households earn a median $118,214 — above the roughly $78,000 national figure. There are about 2,226 housing units across 05477. The tenure split is 78% owner-occupied to 22% rented. Population is roughly 4,374 with a median age of 44.

Overall, 05477 shows a mixed profile — neither uniformly stressed nor insulated — so opportunity is property-specific. Parcel-level detail for 05477 is not published yet -- the ZIP-level readings above remain fully sourced.

The 05477 read uses the identical scoring model applied coast to coast, which means its 25/100 score means exactly what it means anywhere else, and 05477 stays directly comparable to neighboring ZIPs and the rest of Chittenden County, Vermont. Sparse data for 05477 shows as blanks, never estimates, and the score updates on every fresh public filing.

05477'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, 05477 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.