ZIP 05654 Foreclosure, Tax-Lien & Distress Report

Scored purely from public records, 05654 (Orange County, Vermont) returns a low composite of 21/100. Latent structural risk is 46/100 while live distress already moving reads 6/100. What sets it apart are the readings on institutional ownership (51/100), structural risk (46/100), construction/permit lag (34/100). construction/permit lag (34/100) and mortgage stress (21/100) stay muted. Environmental exposure also runs high (FEMA disaster exposure (74/100)).

The market reads neutral — home values rose 4.4% year on year, at 29/100 phase confidence. Appreciation rarely lifts every parcel — the laggards are the opportunity.

The ZIP holds roughly 450 housing units. The demographic-stress sub-score lands at 33/100. Home values center near $231,300, an affordability ratio of 3.5× — accessible. Rent burden reaches 55% of tenant households. The vacancy rate is 14.8% — elevated. About 21% have a four-year degree. Population is roughly 1,044 with a median age of 36. Median household income is $59,167, below the U.S. median near $78,000. The tenure split is 62% owner-occupied to 38% rented. The poverty rate is 2.9% — low.

Net-net, 05654 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. 05654 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.

Whether 05654 runs hot or quiet, its 21/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 05654 can be compared directly against any other ZIP in Orange County, Vermont or nationwide. Every figure is auditable to a public dataset and refreshed on ingest; 05654 shows blanks, not estimates, wherever the record is sparse.

Each component behind 05654 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 21/100 roll-up. Practically, 05654 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.