ZIP 05495 Foreclosure, Tax-Lien & Distress Report

DLRadar grades ZIP 05495 (Chittenden County, Vermont) at a low 25/100 for overall property distress. What sets it apart are the readings on institutional ownership (62/100), structural risk (55/100), mortgage stress (23/100). mortgage stress (23/100) stay muted. Structural risk reads 55/100 against active distress of 7/100. It additionally carries heavy environmental risk: flood (NFIP) exposure (89/100), FEMA disaster exposure (78/100), climate & FEMA risk (72/100).

Prices here sit in a peak phase: values rose 0.7% over the trailing year, and 18% higher over three years, at 16/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

Median household income is $105,768, above the U.S. median near $78,000. The ZIP holds roughly 5,091 housing units. Around 57% of renters are cost-burdened. About 56% have a four-year degree. 4.5% of residents fall below the poverty threshold. Owners hold 76% of homes, renters 24%. On demographic stress specifically, 05495 scores 30/100. 10,984 residents call 05495 home, typically aged 45. The vacancy rate is 7.5%. Home values center near $470,300, an affordability ratio of 4.1×.

Overall, 05495 shows a mixed profile — neither uniformly stressed nor insulated — so opportunity is property-specific. While 05495 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

The 05495 read uses the identical public-record model applied coast to coast, which means its 25/100 score means exactly what it means anywhere else, and 05495 stays directly comparable to neighboring ZIPs and the rest of Chittenden County, Vermont. Every figure is auditable to a public dataset and refreshed on ingest; 05495 shows blanks, not estimates, wherever the record is sparse.

Each component behind 05495 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 25/100 roll-up. Practically, 05495 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.