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commercial development occurred on the subject property, 10th Avenue along with 9th Street would be used to reach the subject property. Tenth Avenue is an unpaved subdivision road and should not be subjected to commercial use traffic flows. Approval of the request would result in significant impacts upon surrounding homeowners; however, no significant oi pact st�on environmental quality would arise from approval of the Development of the Subject Property The subject property is large enough to comfortably accommodate a single-family home. The orientation of the home on the subject :property is crucial since the property abuts three roads. The home :should face 10th'Avenue and be in the western half of the parcel away from Old Dixie Highway (See Attachment 5). This would abate roperty's location such some of the nuisances associated with the p as traffic, noise, visual pollution, and lack of privacy from the .commercial development. :The subject property, as described, is .34 acres or 14,810 gross square feet. The setbacks from the property line for development of a single-family home in the RS -6 zoning district are stated in! `Chapter 911 of the County's Land Development Regulations. The, .subject property is large enough to accommodate the setback' `..:requirement of twenty (20) feet on 10th Avenue, Old Dixie Highway, and 9th Street (See Attachment 5). A fence, or vegetative buffer, could serve as a shield from the commercial development to the, north and east; and provide privacy to the homeowner. Such a fence could be up to six feet in height along Old Dixie Highway and 9th Street, subject to administrative approval; and up to four feet in height along 10th Avenue. By siting a house on the western part of the property and employing the techniques referenced above, the applicant can mitigate the impact of traffic along Old Dixie Highway. The applicant has referenced nuisance associated with traffic as a major reason warranting a' land use change for the property. It is staff's position, however, that traffic on an abutting road is not a sufficient reason to designate property commercial. If it were, many roads would be characterized by strip commercial development - a development pattern inconsistent with the county's plan. The property owner has stated that an impediment to developing the site with a single family home has been denial by the bank of a loan. This inability to receive a loan has been one of the reasons stated for seeking a change in the land use. While the specific reasons given by the bank for denial of the applicant's request for a loan to build a single family home are not known by staff, the i applicant has indicated that the loan was denied because the.bank i thought that the subject property should be developed commercially. There are, however, a number of reasons why a bank would not lend money for construction or rehabilitation of a single-family home. These include the loan to value ratio, an applicant's credit !I record, and an applicant's income. Lending tons also frequently have more stringent requirements for non - pied single-family homes than owner -occupied units. Staff feels that the inability to receive a loan is insufficient evidence to warrant a land use amendment because there are too many criteria required by the banks which are unrelated to a property's location or proposed use. ► Consistency with the Comprehensive Plan The proposed land use change and rezoning would require a change to the adopted Future Land Use Map in the County's Comprehensive Plan. A review of this requested change reveals two major inconsistencies with the Future Land Use Element and its policies. 39 MAY 2 1 Ig9I