ZIP 05640 Foreclosure, Tax-Lien & Distress Report

ZIP code 05640 in Washington County, Vermont carries a composite property-distress score of 26/100 — a low reading on DLRadar's deterministic public-record index. What sets it apart are the readings on institutional ownership (59/100), structural risk (59/100), construction/permit lag (35/100). By contrast, construction/permit lag (35/100) and mortgage stress (24/100) register low. Structural exposure scores 59 and live distress 7 on the 0–100 scale. Climate and flood risk are elevated too — flood (NFIP) exposure (95/100), FEMA disaster exposure (71/100).

Prices here sit in a neutral phase: values rose 4.4% over the trailing year (phase confidence 29/100). Even climbing markets leave specific parcels in distress; the scoring isolates them.

Households earn a median $116,250 — above the roughly $78,000 national figure. On demographic stress specifically, 05640 scores 17/100. 89% of housing is owner-occupied. Around 55% of adults hold a bachelor's degree or higher. Around 0% of renters are cost-burdened. Population is roughly 288 with a median age of 17. The poverty rate is 4.2% — low. A median home runs $315,600 here, or 2.7 times local income. There are about 110 housing units across 05640. The vacancy rate is 9.2%.

On balance 05640 is mixed, rewarding parcel-by-parcel screening over broad assumptions. No parcel file is published for 05640 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

No ZIP is too small to score: 05640 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 26/100 composite is a like-for-like number rather than an isolated estimate. Sparse data for 05640 shows as blanks, never estimates, and the score updates on every fresh public filing.

Each component behind 05640 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 26/100 roll-up. The point of the 05640 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.