ZIP 05851 Foreclosure, Tax-Lien & Distress Report

On DLRadar's 0-100 distress scale, ZIP 05851 in Caledonia County, Vermont comes in at 24, a low composite-distress reading. The sharpest non-environmental signals are institutional ownership (62/100), structural risk (54/100), construction/permit lag (41/100). By contrast, mortgage stress (26/100) register low. Structurally it carries 54/100, against 8/100 of stress already in motion. Environmental exposure also runs high (flood (NFIP) exposure (93/100), FEMA disaster exposure (77/100)).

Prices here sit in a expansion phase: values rose 6.2% over the trailing year, and 13% higher over three years (phase confidence 46/100). Even climbing markets leave specific parcels in distress; the scoring isolates them.

Vacancy runs 8.7%. Around 50% of renters are cost-burdened. The poverty rate is 14.4%. Population is roughly 5,972 with a median age of 45. On demographic stress specifically, 05851 scores 31/100. Around 30% of adults hold a bachelor's degree or higher. Households earn a median $63,586 — below the roughly $78,000 national figure. The tenure split is 83% owner-occupied to 17% rented. The typical home is worth about $227,200 (3.5× income, relatively affordable). The ZIP holds roughly 2,776 housing units.

Net-net, 05851 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.

Big metro or rural, 05851 runs through one identical scoring model, so its 24/100 sits on the same scale as every other ZIP in Caledonia County, Vermont and the nation. Sparse data for 05851 shows as blanks, never estimates, and the score updates on every fresh public filing.

The 24/100 figure for 05851 is a composite, not one metric: it rolls up foreclosure and pre-foreclosure activity, mortgage stress, tax delinquency and liens, local lender headwind, and structural risk into a single reading, which is why a ZIP can look calm on price yet score high on distress. In workflow terms, 05851 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.