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Home My WebLink About2005-286 1 of 2 Form 1 : SHIP DISTRIBUTION SUMMARY Submittal Date : 8/23/2005 Section 420. 9075(9) , F . S . Fiscal Year : 2003-2004 C FLORIDA HOUSING FINANCE CORPORATION - SHIP PROGRAM ANNUAL REPORT NAME OF `:.00AL ENTITY: Indian River County TABLE A: ' SHIP FUNDS SHIP FUNDS UNENCUMBERED STRATEGY EXPENDED ENCUMBERED SHIP FUNDS DESCRIPTION A B C Proposed Proposed v HOMEOWNERSHIP STRATEGIES Amount Units Amount Units Amount Units 1 DPCC $ 30 000 . 00 2 $ - 0 $ 2 DPCC + RL $ 148 070. 93 11 $ 58 330 . 00 3 3 IFG $ - - 0 $ 4 596. 00 1 4 IFL + DPCC + LAL $ 199 352. 00 8 $ - 0 5 IFL + DPCC $ 269 051 . 67 12 $ - 0 6 RG $ 127 672. 59 9 $ 289 136 .45 13 7 RG + IG $ 16 229 . 50 1 $ 0 8 RL $ 27F455. 05 2 $ 90 715 . 00 4 RENTAL STRATEGIES Subtotal $ 817 3 14 : ''48� $ r 442777.4577771 < .$ "fl �0 Administration $ 95 1 504. 80 Home Ownership Counseling Admin from Program Income $ 21 450 . 14 Admin from Disaster Funds Total $ 934, 786:68 ' 45 .$ 442,777.45 ,. 21 ` $ This figure must equal the amount for "SHIP Funds Expended" on Form 2 , Table B . TABLE B : Total Revenue (actual and/or anticipated) for Local SHIP Trust Fund A B Amount Percentage Source of SHIP Funds of Funds of Funds State Annual Distribution $ 955 , 048. 00 68 . 97% Program Income J!nterestj 0. 00% Program Income (Payments ) $ 429 , 002. 84 30 . 98% Recaptured Funds ° Disaster Funds 0. 007 Other Funds $ - 0 . 00% Carry over funds from previous year $ 584. 91 0. 04% o a unds eposl a In o oca $ 1 , 384 , 635 . 75 ° TI Affordable Housing Trust Fund TABLE C : " Enter Total $$ from Table A, Columns A, B & C : 1 $ 1 , 377, 564 . 13 "'Enter amount to be carried forward to next year: $7 , 071 . 62 TOTAL' $ 1 , 384, 635 . 75 " Must equal Total from Form 1 , Table b , Col. B . "`Carry forward is used only in a closeout year when the amount of funds remaining are not sufficient to fully assist one unit. The unit assisted is counted in the next fiscal year. SHIP AR/02- 1 FORM 2: Rents and Compliance Summary Submittal Date: 8/23/2005 Section 420.9075(b), (c), (d), (g), F.S. Fiscal Year : 2003-2004 FLORIDA HOUSING FINANCE CORPORATION - SHIP PROGRAM ANNUAL REPORT Name of Local Entity: Indian River County Table A`Rental Unit Information RENTAL RATES - ACTUAL It rents very for the same unit, enter greatest amount A B C D E STRATEGY DESCRIPTION Eff. 1 Bed 2 Bed 3 Bed 4 Bed Table B: Recap of Funding Sources for Units Produced Source of $$ Produced thru June 30th for Units Amount of Funds Expended to Date % of Total Value A B C SHIP Funds Expended 817 831 .74 21 .41 % Public Mone s Expended 280 323 .81 7.34% Private Funds Expended 2 , 722 , 322. 15 71 .26% Owner Equity 0.00% Total Value of All Units 3,820,477 .70 100.00% Table C : SHIP Program Compliance Summa - Home Ownership/Construction/Rehab` Compliance Category SHIP Funds' Trust Fund " % of Trust Fund FL Statute Minimum % A B C D E HOME OWNERSHIP 1 ,260,609. 19 $ 955,048.00 131 .99% 65% CONSTRUCTION/REHABILITATION 1 ,260,609. 19 $ 955,048.00 131 .99% 75% Include amounts expended, encumbered, 8 unencumbered (projected) in this table "Trust Fund equals Distribution plus Recaptured Funds Table D: Program Compliance - Income Set-Asides Program Compliance by Funds Expended , Encumbered , Unencumbered (projected) SHIP $ Encumbered SHIP $ Projected % of Total Income Category SHIP $ Expended Total A+B+C Avaliable Funds 'Total Available Funds A B C D E F Very-Low Income 470 894. 09 285 952.45 756 846. 54 54.66% 1 , 384,635.75 Low Income 258 676.05 66 110.00 324 786.05 23.46% 1 ,384,635+75 Moderate Income 88,261 .60 90, 715.00 178,976.60 12.93% 1 , 384,635.75 TOTAL 817,831 . 74 442,777.45 0.00 1 ,260,609. 19 91 . 04% 1 , 384,635. 75 'Total Available Funds" equals State Distribution + Recaptured Funds + Program Income + Carry Over Funds + Other Funds . 'From Form 1 Table 8 Column B total Table E: Special Tar et Grou s for Funds Expended (i.e . teachers . nurses law enforcement fire fighters, etc. I Set Aside Strateqv Description Special Target Group Expended Funds Total # of Expended Units A B C D Table F: Project Funding for Expended Funds Only Total SHIP # of SHIP Income Category Mortgages , Loans Mortgages , Loans Average Loan Total of SHIP Average Grant Total # and DPL's and DPL's Amount Grants # of SHIP Grants Amount Total SHIP Funds Expended of Units A B C D E F G H Very-Low Income 345 477 . 00 13 26 575. 15 125 417. 09 8 15 677 . 14 : -5n€470 x ' ,09 - Low Income 240 191 .05 15 16 012. 74 18 485.00 2 9,242 . 50IV 1,7 Moderate Income 88,261 .60 7 12 ,608.80 0.00 0 _Yaxfi '., 7.` TOTAL 673,929.65 35 19,255. 13 143 ,902 .09 101 14 390.21 Table G: Allowable Administration Set Aside from Pro ram Income Total Amount of Total % Program Income Allowed for Total Administration Program Income '5% Maximum "10% Maximum Administration Income Used A B C D E $429,002.84 $21 ,450. 14 $42, 900.28 5% $21 ,450. 14 Counties and Eligible Municipalities which receive more than the minimum distribution. Use either the 5% or 10% $ amount. Counties and Eligible Municipalities which receive the minimum distribution or less. Table H : Allowable Administration Set Aside from Disaster Funds Total Amount of Total Disaster Funds Allowed for Total Administration Disaster Funds '5% Maximum "1o% Maximum Administration Income Used A B C D E $ $0.00 $0.00 Counties and Eligible Municipalities which receive more than the minimum distribution . Use 5 or 10% See Form 1 Table A " Counties and Eligible Municipalities which receive the minimum distribution or less . as applicable D40 SHIP AR/02.1 Form 3 : Household Characteristics FLORIDA HOUSING FINANCE AGENCY SHIP PROGRAM ANNUAL REPORT Section 420 . 9075 ( 9 ) ( a ) F . S . for State Fiscal Year : 2003 - 2004 NAME OF LOCAL ENTITY : Indian River County ' Provide information only on units for which Program funds have been expended Provide information for head of household only . Submittal Date • 8 / 23 / 05 A B C D E F Strategy Number of Households Characteristics /Age Family Race Special Needs Description Units Produced ( Head of Household ) Size ( Head of Household ) ( Any Member of Household ) Location VLI LI MODER TOTAL 0 - 25 26- 40 41 - 61 62 + 1 Per 2 - 4 P 5 + Pe White Black Hisp Asian AmInd Other FrmWk MDis Hless Eldy PDis Other DPCC 1 IRC 0 2 0 2 0 2 0 0 1 1 0 2 0 0 0 0 0 0 0 0 0 0 0 DPRL 2 IRC 0 4 5 9 1 3 5 0 2 5 2 3 1 3 0 0 2 0 0 0 0 0 0 3 SEB 0 0 1 1 0 0 1 0 0 1 0 1 0 0 0 0 0 0 0 0 0 0 0 4 VB 010 1 0 1 0 0 010 0 0 1 0 0 0 0 0 0 0 0 0 LDAL 5 IRC 6 2 0 8 3 4 1 0 0 5 3 5 2 0 1 0 0 0 0 0 1 0 0 LDPC 6 IRC 7 3 0 10 1 5 2 2 0 6 4 1 9 0 0 0 0 0 0 0 1 1 0 7 SEB 0 0 1 1 0 0 1 0 0 0 1 0 0 1 0 0 0 0 0 0 1 0 0 8 VB 0 1 0 1 0 100 0 0 1 0 1 0 0 0 0 0 0 0 0 1 0 0 RG 9 IRC 7 2 0 9 1 1 4 3 5 4 0 3 6 0 0 0 0 0 0 0 1 3 0 RIG 10 IRC 1 0 0 1 0 0 1 1 0 1 0 1 0 0 1 0 0 0 0 0 0 0 0 0 0 RL 11 IRC 0 1 2 0 2 0 0 0 201102 0 0 0 0 0 0 0 1 1 0 TOTAL 21 17 7 45 6 17 15 7 8 26 11 16 21 5 1 0 2 0 0 0 4 5 0 SHIP AR / 99 - 1 Effective 04 / 01 / 98 Printed on : 07 / 15 / 2005 3 : 54 : 50PM FORM 4 : Program Summary Submittal Date : 8/23/2005 Section 420 . 9075 FLORIDA HOUSING FINANCE CORPORATION SHIP PROGRAM ANNUAL REPORT - STATE FISCAL YEAR 2003-2004 Name of Local Entity : Indian River County 1 . Please provide information on the status of the implementation of the Local Housing Incentive Plan or Incentive Strategy adopted by the local Affordable Housing Assistance Plan. A . Incentive Strategy : Adopted regulations providing up to a 20% density bonus for affordable housing development projects (housing element policy 2 . 5 , Land Development Regulations Section 911 . 14 (4)(a)) . Adopted regulations allowing for small lot subdivisions with reduced setbacks , lot size , and lot width requirements (Land Development Regulations , Chapter 911 and section 971 . 41 (9)) . Adopted regulations allowing for accessory single-family dwelling units in all agricultural and residential zoning districts (Land Development Regulations , Chapter 911 and Section 971 . 41 ( 10)) . Adopted regulations allowing multi-family dwelling units in conjunction with commercial development, such as apartments over commercial buildings (Land Development Regulations Section 911 . 10 and Section 971 . 41 (6)) . Adopted policies for expedited permit processing (Housing Element policies 1 . 5 and 1 . 6) . - Adopted a policy for review of proposed local policies or regulations which may increase the cost of housing (Housing Element policy 1 . 7) . Adopted a policy for inventory of all surplus county owned land (Housing Element policy 2 . 4) . Adopted regulations allowing zero lot line subdivisions (Land Development Regulations Section 915 . 15 ) , Established Local Housing Assistance Program , allowing the county to utilize State Housing Initiatives Partnership (SHIP) program funds for the provision of affordable housing (Local Housing Assistance Program , Local Housing Assistance Plan, Housing Element policies 2 . 7 , 3 . 5 , 4 . 4 , 4 . 6 , 4 . 7 , 4 . 9 , and 9 . 1 ) B . Adopting Ordinance or Resolution Number or identify local policy : Identified as part of Section " A " above C . Implementation Schedule (Date) : All incentives were implemented as scheduled D . Has the plan or strategy been implemented? If no , describe steps that will be taken to implement the Plan . Yes E . Status of Strategy - (Is the strategy functioning as intended, ie . , are time frames being met, etc . ) All strategies are working as intended 2 . Attach a concise description of the support services that are available to the residents of affordable housing . The county in conjunction with financial institutions conducts a homebuyers ' educational workshop program for all applicants who request downpayment/closing cost assistance (see attachments regarding homebuyers ' education program) Consumer Credit Counseling provides assistance to applicants through lenders and through the homebuyers ' educational workshops The Indian River County Council on Aging provides various services to elderly and handicapped individuals including housing assistance The Housing Authority and Economic Opportunity Council provides housing assistance to qualified households The county staff provides one on one assistance to applicants for completing SHIP applications , resolving credit problems , referring applicants to appropriate financial institutions for acquiring first mortgages , and providing other assistance as needed The county SHIP staff in conjunction with local financial institutions , non- profit organizations , HUD staff, and others conducted information workshops in the Gifford area, Wabasso area, and Oslo area of the county which have a high percentage of minorities and low income households . 3 . Attach such other data or unique affordable housing accomplishments considered significant by your Agency . (success stories , newspaper clippings , etc . ) By the end of June 2005 , the Indian River County LHAProgram had approved 66 loans with FY 03 - 04 funding . In administering the program , LHAProgram staff held several public meetings , placed newspaper advertisements , and sponsored radio advertisements and announcements . Because of these efforts , the LHAProgram is well known to the public , and there are many more eligible applicants than the county can assist with available SHIP funds . Photocopies of success stories , newspaper articles , and thank-you notes have already been sent to the Florida Housing Coalition . 4 . Describe how the Annual Report was made available for public inspection and comments . Attach copies of all comments that were received and provide the local government's response . Annual report provided to the public through Affordable Housing Partnership meetings/Lending Consortium , county planning division, municipalities within the county, the Treasure Coast Builders Association, and the county website . Availability of the reports also advertised in the local newspaper . 5 . Since State fiscal year 1992-93 , 281 mortgages have been made to very low income households with 3 in default. Since State fiscal year 1992- 93 , 337 mortgages have been made to low income households with 5 in default . Since State fiscal year 1992 -93 , 90 mortgages have been made to moderate income households with 1 in default . Total default rate for all mortgages 1 . 27% . 6 . Describe how eligible sponsors (if applicable) that employed personnel from welfare to work programs were given preference in the local selection process . All applications reviewed based on first application submitted, first application reviewed . All applications approved based on first application completed, first application approved 7 . List strategies and give the average cost of production (FY 2003 -2004 YTD) . Strategy Number of Loans Average SHIP Finalized YTD Assistance Downpayment/Closing Cost (DPCC ) 2 $ 15 , 000 DPCC + Rehabilitation Loan (RL) 14 $ 14 , 743 DPCC + Land Acquisition Loan (LAL) +IFL 8 $243919 IFG 1 $4 , 596 DPCC + IFL 12 $229420 Rehabilitation Grant (RG) 22 $ 189945 Rehabilitation Loans (RL) 6 $ 19 , 695 RG + IFG 1 $ 169229 TOTAL 66 $ 193100 CERTIFICATION On behalf of Indian River County, I hereby certify that the information presented herein is true and accurate as of the date of submission . wjo� 44;� 94e eecW, Date (.— S�/� '' Date 08 -23 -2005 W ' ness Chief Elected Official or Designee e�VL C_ Commissioner Thomas S . Lowther ._ . , ate Zy BCC Chairman Date 08 -23 -2005 Witness Name and Title OR , ' r 'L • . . . ley`: " '. W ` Date Attest (Seal')` GENERAL INFORMATION Name of I e , qn., 'call regarding the Annual Report Form : Sasan Rohani , AICP Telephone Number : (772) 226- 1250 F : \Community Development\Users\VICKIE\SASAN\AR03 -04final . doc CERTIFICATION For Implementation of Regulatory Reform Activities Required by S . H . I . P . On behalf of Indian River County , I hereby certify that the following Name of Local Government information is true and accurate as of the date of submission. 1 ) Permits as defined in s . 163 . 3164(7) and (8) * for affordable housing projects are expedited to a greater degree than other projects ; and 2) There is an ongoing process for review of local policies , ordinances , regulations , and plan provisions that increase the cost of housing prior to their adoption . 3 ) The cumulative cost per newly constructed housing per housing unit, from these actions for * * FY 03 /04 is estimated to be $ 1 , 320 . 4) The cumulative cost per rehabilitated housing per housing unit, from these actions for * * FY 03/04 is estimated to be $ 0 . Date � Date Witness Chief Elected Official Thomas S . Lowther Print Name and Title Datecv% Date Witness o my dministrator Joseph A . Baird Print Name and Title OR y ` e ' _ Date d2 y � G Attest (Seal) Nofe : - - .This form wilrbe utilized beginning with * * FY 2003 /2004 . * I 62 . 3164(7) , Florida- Statutes : "Development Order" means any order granting, denying, or granting with conditions an application for a development permit. 163 . 3164(8), Florida Statutes : "Development Permit' includes any building permit, zoning permit, subdivision approval, rezoning, certification, special exception, variance, or any other official action of local government having the effect of permitting the development of land . Maintenance Strategy CDPR9063 - Maintenance Strategy - CODE DESCRIPTION IFG IMPACT FEE GRANT IFL IMPACT FEE LOAN DPCC DOWNPAYMENT CLOSING COST LOAN RL REHABILITATION LOAN LAL LAND ACQUISITION LOAN LB LAND BANKING GDPC IFG + DPCC GRL IFG + RL GLAL IFG + LAL GLB IFG + LB LDPC IFL + DPCC LRL IFL + RL LLAL IFL + LAL LLB IFL + LB ADPL LAL + DPCC BDPC LB + DPCC GDAL IFG + DPCC + LAL GDBL IFG + DPCC + LB LDAL IFL + DPCC + LAL LDBL IFL + DPCC + LB DPRL DPCC + RL DRIL DPCC + RL + IFL RG REHABILITATION GRANT RIG RG + IG .dian River County Printed on : 05 / 17 / 2000 10 : 13 : 39AM - Plus for Windows 95 / 98 / NT Page 1 of 1 Figure 11.3 MUNICIPALITIES OF I - INDIAN RIVER COUNTY I ® - CITY Of VERO BEACH i 4 • CITY OF SEBASTIAN i CITY OF fEttSMERE 11 6 146 CR.512 • 0:X TOWN Of aim CR.510 INDIAN RIVER SNORES =I//W 1 Lao . • TOWN OF ORCIBO � . % i D V < f �• (t' =- - _ - - -- -- i - S.R60 Florida Turnpike . . . . . . . . . . . . . . SCALE ! 2 3 4 Milan INDIAN RIVER COUNTY DATE , August 2005 if a ! ' y IJ I�Y ' b I f 1 1 I 1 P . O . Box 1268 Vero Beach , Florida 32961 562 - 2315 !!."M" reg 3ournat COUNTY OF INDIAN RIVER : STATE OF FLORIDA Before the undersigned authority personally appeared Nancy Norton who on oath says that she is Manager of Display Advertising of the Press Journal , a daily newspaper published in Indian River County, Florida ; that A Display ad measuring 28 col. inches at $ 18 . 30 per col . inch billed to Indian River Planning Department was published in said newspaper in the issue (s) of Sunday June 1 , 2003 Sworn to and subscribed before me this 1st day of June A . D . 2003 OFF BEVERLY M. KEEHNER Display Advertising Manager PUBLIC��a MY Comm EW 10/8/04 No. CC 973628 1 Poswk* mown17 00W I.D. •. 1G,�r' %1111w was Pug NOTICE - - ] I ' 3•YY.�Y YE o ImY •�1rT ae5 II •5r+% INDIAN RIVER COUNTY, 11 111st 0 X11 I I 1� . yPy.] tj y ACCEPTING 'Y• lpoor 1 I I 1 •, �/A JI iu 1• Y•N.vi� i-"(ti I 1 1 • IT11 T • 1 •�Q°e. I�rf� .• 1111 .•N 1 G r •' 1 . _. . I : 1 I ff ZnMl . . Program, bemade available through followingthe AVAILABLE LOCAL AN • Type . G • :: I i ia Category Grantiir X t Fee Loans • 1 1i1 11 � e � r wrl M all of , • 11 111 11 a WON • .wn Payment/C losing Purchasefor r 1 i1 '' J siyfat'f N 4 } home without rebabilltption (not more than 15% of total ITN I,If b . Purchase of new home � Iess than one year old) it 't ' 4 4, c Construction of new home It; s4 ":' .R. 1a. C'`Q h`1'�� i 'V U ' k f 4 '3•.;� t � + 4 "Ybe L. d . Purchase of an existing home being rehabilitated in the last 12 months . a . Combined purchase and rehabilitation of adi existing homei uy 3 • Y f . Combined Construction and •zr * 4 y. d iiLIQ ki Land Acquisition Loans g Is PL 77 lid 1 41 a ' y • • residency • e requirements:meet the followring 1 . Income Lai • • ' total annual gross Income level mLM : • ix _ 1 . . Indian River County Maximum income Levels • Income Classtficatlon1 Person rep 1 1 1 1 f i Household Very Low Low Moderate 129,350 1 ' 1 2 Person 20,950 1 50,280 3 Person. 23o6OO 37,760 56,640 4 Person 11 41 ,goo 62880 5 Person IJ 45,250 1 6 Person 1 11 • t 1 Persontl • 111 78,000 1 f f f f I f I I 8 Person 34,600 56P350 839040 2. .'Employment At lessli one of the ho r usehold members _ _ • • • - , - 1 111 11 payment(closing cost assistance. if 6. Purchase Price Limitation: The purchase price for now and existing hqmes -may not 1 r - : , 11 RIP10HISITI ON OF MOSILE. HOMES 01 Rate. or Dtirchasta moblie homes. INDIAN RIVER COUNTY, FLORIDA MEMORANDUM TO : Members of the Affordable Housing Partnership Group (Lending Consortium) Dennis Ragsdale, Planning Director, City of Vero Beach Tracy Hass, Growth Management Director, City of Sebastian Robert Baker, Mayor, City of Fellsmere Robert Bradshaw, Town Manager, Town of Indian River Shores David Jakubiak, Town Manager, Town of Orchid Treasure Coast Builders Association, Inc . FROM : Sasan Rohani, AICP `a '��' Chief, Long-Range Planning DATE : July 2, 2003 SUBJECT: SHIP ANNUAL REPORTS Please find enclosed FY 2001 -2002 and FY 2002 -2003 Indian River County SHIP Program annual reports . Please be advised that the report for FY 2001 -2002 is a closeout report and report for FY 2002-2003 is a year-to-date active report. Please review these reports and provide me with your written comments by August 8 , 2003 . Should you have any questions, please call me at (772) 567- 8000 , ext. 1250 . cc : Robert M. Keating, AICP Community Development Director William G . Collins , 11 County Attorney Francene Worrell F : \Community Development\Users\VICKIE\SASAN\shan . mem PUBLIC NOTICE INDIAN RIVER COUNTY ANNUAL REPORT FOR THE STATE HOUSING INITIATIVES PARTNERSHIP ( SHIP ) PROGRAM FOR FY 2002 - 2003 AND FY 2003 - 2004 The FY 2002 - 2003 and FY 2003 - 2004 annual reports for the State Housing Initiatives Partnership ( SHIP ) Program may be inspected by the public at the housing office at the Community Development Department located at 1840 25th Street , Vero Beach , FL 32960 , between the hours of 8 : 30 a . m , and 5 : 00 p . m . on weekdays . Written public comments are encouraged . For more information contact Francene Worrell at ( 772 ) 567 - 8000 , ext . 1454 . To be advertised July 11 , 2004 . Publish in Sunday Real Estate Section Size : 2 columns width X 2 depth Title Heading 14 points minimum ( approx . ) ( Proportional to remaining type as indicated ) Please forward proof of publication to : Vanessa Carter Planning Department 1840 25th Street Vero Beach , Florida 32960 F : \ Community Development \ Users \ SHIP \ HOUSING \ LHAPDOCS \ LHAP2003 - 2009 . AD9 . doc INDIAN RIVER COUNTY, FLORIDA MEMORANDUM TO : Members of the Affordable Housing Partnership Group (Lending Consortium) Mark Satterlee , Planning and Development Director, City of Vero Beach Al Minner, City Manager, City of Sebastian A' ilen Duff, Community Development Director, City of r elismere Robert Bradshaw, Town Manager, Town of Indian River Shores Richard Dunlop , Mayor, Town of Orchid Treasure Coast Builders Association, Inc . FROM : Sasan Rohani, AICP Chief, Long-Range Planning DATE : July 25 , 2005 SUBJECT : SHIP ANNUAL REPORTS Please find enclosed FY 2003 -2004 and FY 2004-2005 Indian River County SHIP Program annual reports . Please be advised that the report for FY 2002-2003 and report for FY 2003 -2004 are a year- to-date interim report . Please review these reports and provide me with your written comments by August 8 , 2005 . Should you have any questions , please call me at (772) 226- 1250 . cc : Robert M . Keating, AICP Community Development Director William G . Collins , II County Attorney Margo Strickland, SHIP Coordinator Diane Pickhardt, SHIP Coordinator F : \Community Development\Users\VICKIE\SASAN\shan.mem I i P . O . Box 1268 Vero Beach , Florida 32961 562 - 2315 re J o at urn COUNTY OF INDIAN RIVER : STATE OF FLORIDA Before the undersigned authority personally appeared Nancy Norton who on oath says that she is Manager of Display Advertising of the Press Journal , a daily newspaper published in Indian River County, Florida ; that Advertisement totaling 4 inches at the rate of $ 18.30 per inch billed to Indian River County Planning Department was published in said newspaper in the issue ( s ) of Sunday, July 31 , 2005 Sworn to and subscribed before me this 31st day of July A . D . 2005 BEVERLY M. KEEHNER �w 2,o Pig',. 2 , " %; Notary Public - State of Florida WVCommisslonEVtesOcts, 2008 Display Advertising Manager Commission # DD 350432 Bonded By National Notary Assn. G4 Treasure Coast Newspapers Sunday, July 31 , 2005 F/V i AT I e ro e ssion Q: I am remodeling my HOME MAINTENANCE Still, it is very difficult to master bathroom. The space slide a new tub into such a between the walls where the Sy ppght Barnett tight space. In some cases it tub is measures 58 inches . Scripps Howard News Service With few exceptions, the is necessary to chisel or smallest :tub I have found is" What you probably mea- scrape off some of the surface 60 inches. Do you have any sured was the distance from of the wood studs to gain suggestions? the -finished file and dr wall some extra space. Contact a y professional the installer for A: All standard residential behind that file to the tile . advice. tubs are 60 inches long. But and drywall on the opposite There are four areas of a the good news is that so is wall: Take away the tile and whirlpool tub installation the space between your un- the drywall and you will that are often overlooked by finished walls in the bath- have the 60 inches needed to installers . room, install the new tub . One: If there is a window NORRIS ' ^_ COMPANYs �. R P • L ^ C STAT L 47 ,n Neo%afm& E Ilole 772 . 231 . 5056 sallydoerr@realtor. com 1 i PUBLIC NOTICE INDIAN RIVER COUNTY ANNUAL REPORT FOR THE STATE HOUSING INITIATIVES PARTNERSHIP (SHIP) PROGRAM L FOR FY 2003-2004 AND FY 2004-2005 The 17Y 2003 - 2004 and FY 2004-2005 annual reports for the State`. Housing Initiatives Partnership (SHIP) Program may be inspected by the public at the housing office at the Community Development Department located at 1840 . 25th 'Street , Vero Beach , FL 32960 , between the hours of 8 : 30 a'a1i . and , 5 :00 p .m . on weekdays . Written . comments are encouraged and must be received by August 8 , 2005 . For more information contact Diane Pickhardt at (772) 226- 1594 . n n 1 UVA' FIRS BX%JLRD ., e Fast •0 Ort Site Uiiderwritiiig �:e f . Ile a : Rates" FINAN X%ju CE NOW 1 APR