ZIP 05489 Foreclosure, Tax-Lien & Distress Report

In Chittenden County, Vermont, ZIP 05489 scores 25 of 100 for composite distress, a low level on DLRadar's public-record index. Latent structural risk is 55/100 while live distress already moving reads 7/100. It additionally carries heavy environmental risk: 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). On the quiet end sit mortgage stress (23/100).

The market reads peak — home values rose 0.7% year on year, and 29% higher over three years (phase confidence 16/100). Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

The tenure split is 82% owner-occupied to 18% rented. Roughly 6.6% live below the poverty line, a low share typical of higher-equity areas. Vacancy runs 0.0%. On demographic stress specifically, 05489 scores 23/100. The typical home is worth about $442,400 (4.6× income). Rent burden reaches 0% of tenant households. About 3,429 people live here, median age 44. Median household income is $88,015, above the U.S. median near $78,000. The ZIP holds roughly 1,325 housing units. About 45% have a four-year degree.

Overall, 05489 shows a mixed profile — neither uniformly stressed nor insulated — so opportunity is property-specific. Parcel-level detail for 05489 is not published yet -- the ZIP-level readings above remain fully sourced to public records.

No ZIP is too small to score: 05489 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 05489, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

Each component behind 05489 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 25/100 roll-up. The point of the 05489 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.