ZIP 05828 Foreclosure, Tax-Lien & Distress Report
Caledonia County, Vermont · Distress market
In Caledonia County, Vermont, ZIP 05828 scores 24 of 100 for composite distress, a low level on DLRadar's public-record index. Environmental exposure also runs high (flood (NFIP) exposure (94/100), FEMA disaster exposure (84/100)). The latent-versus-live split is 55/100 structural and 8/100 already moving. The most distinctive pressure shows up in institutional ownership (66/100), structural risk (55/100), construction/permit lag (36/100). construction/permit lag (36/100) and mortgage stress (26/100) stay muted.
Prices here sit in a expansion phase: values rose 6.2% over the trailing year, and 36% higher over three years (phase confidence 46/100). Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.
The poverty rate is 5.0% — low. DLRadar's demographic-stress index for the area reads 26/100. Owners hold 84% of homes, renters 16%. There are about 1,042 housing units across 05828. At $74,688, median income runs near typical U.S. levels. A median home runs $279,100 here, or 3.7 times local income. Educational attainment sits at 37% bachelor's-or-above. Vacancy runs 10.9%. Rent burden reaches 33% of tenant households. 2,042 residents call 05828 home, typically aged 50.
Net-net, 05828 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. Parcel-level detail for 05828 is not published yet -- the ZIP-level readings above remain fully sourced to public records.
No ZIP is too small to score: 05828 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 24/100 composite is a like-for-like number rather than an isolated estimate. Sparse data for 05828 shows as blanks, never estimates, and the score updates on every fresh public filing.
05828's headline rolls up several separately-scored signals, which is why two ZIPs can share a composite yet face very different distress. Practically, 05828 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.
Signal-by-signal read on 05828
Tax delinquency, institutional ownership, insurance pressure, NFIP/flood, construction lag, price dislocation and auction velocity — plus the 0 individual distressed properties — each with owner, address, APN, its own distress score and an exit read — are in the full report.
05828 at a glance
05828 live: composite distress, market phase, housing detail and lender pressure, identical to the per-property report.
Adjacent Caledonia County ZIP reports
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Built from public records, scored the same way everywhere · methodology