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STATE OF FLORIDA
NEIGHBORHOOD STABILIZATION PROGRAM
APPLICATION
DUE DATE APRIL 69 2009
NAME OF APPLICANT
INDIAN RI VER COUNTY
FLORIDA DEPARTMENT OF COMMUNITY AFFAIRS
CDBG NEIGHBORHOOD STABILIZATION PROGRAM
2555 SHUMARD OAK BOULEVARD
TALLAHASSEE , FLORIDA 32399 -2100
850 /487 -3644
FAX 850/922- 5609
I . APPLICANT INFORMATION
AplUicant . ' �� , _ Jurisdiction ( s ) to Be Served
Indian River County Unincorporated Indian River County, City of Vero
j Beach , City of Fellsmere, City of Sebastian
Local Contact Title
Robert Keating Community Development Director
I
Phone Number FAX
(772) 2264254 ( 772) 9784806
Mailing Address City Zip Code
1801 27th Street, [sero Beach 32960-3388
E - mail Address
bkeatin a 'rc ov. com
Chief Elected Official Title
Wesley S. Davis Chairman
Chief Elected Official ' s Address ( if different)
f
APPLICATION PREPARER INFORMATION
Agency or Firm
Fred Fox Enterprises, Inc
Address Phone Number
P. O. Box 1047, St Au ustine , Fl 320854047 (904) 810- 5183
Contact Title
I Fred For Administrator
E - Mail Address
red. o. aJ red oxenter rises. com
OTHER INFORMATION
Are the jurisdictions to be served covered by the National Flood Insurance Program ? Yes No
X
Will you be working with a HUD direct funded grantee ? Yes No
X
U . S . Congressional Florida Senate Florida House
District 15 `1' District( s ) 26` x' & 28 °i District( s ) 2911' & 80 `x'
I HISTORIC PRESERVATION - Applicants should consider the questions listed below as units are selected for
purchase , rehabilitation , demolition and clearance . Contact the State Historic Preservation Office ( SHPO ) as soon
as possible for guidance if there is . a potential historic preservation issue .
Will any activities result in direct physical changes to a structure older than 50 years , such as Yes No
demolition , rehabilitation , restoration , remodeling, renovation , expansion, or relocation ? X
Will any related activities result in direct physical changes to public improvements older than 50 Yes No
years , such as stone curbs or brick streets ? X
Will any related activities result in direct physical changes to a planned open space older than 50 Yes No
j years ? X
Will any project activities occur within 100 feet of a structure , public improvement, or planned Yes No
open space older than 50 years ? X
Will any activities occur in a Historic District listed on the National Register? Yes No X
Properties that are listed , or eligible for listing, in the National Register of Historic Places must meet the
specifications reflected in the Secretary of the Interior 's Standards or Rehabilitation Guidelines for Rehabilitating
i
Historic Buildings .
IL NEIGHBORHOOD STABILIZATION PLAN
NARRATIVE DESCRIPTION
the Federal Reglication . The Application Instruct
ister Notice dated October 6 , 2008 and the State ' s Substantial
Applicants should review
Amendment to the 2008 CDBG Action Plan before completing the Appions ,
Emergency Rule and NSP Policy Guide also provide relevant information on NSP strategies and related
requirements . In the space below , provide an overall narrative description of your plan to utilize
NSP funds to
address abandoned and foreclosed properties in areas of greatest need . (Use additional pages if necessary . ) This
description should correspond to Strategies 41 - 5 on pages 4- 14 .
Once you complete the narrative description , provide the requested information on pages 4 - 14
for each NSP
Strategy that you intend to carry out . This information should correspond to the budget information requested on
the Attachment A for each NSP strategy and must be updated when changes are made .
Indian River County utilized the three (3 ) criteria detailed below to establish target areas for the County ' s
Neighborhood Stabilization Program . The target areas selected met at least two (2) of the three (3 ) criteria
detailed below :
1 . The estimated foreclosure abandonment risk scores provided by HUD . Indian River County has
elected to utilize a score of eight (8 ) or greater. This includes census tracts 50302 and 50804 , each of
which had a score of 10 ; census tracts 50100 , 50301 , APP
50602 , 506031 50606 , 50701 , 508019 50803 , 50901
and 50902 , all of which had a score of 9e and census tracts 502001 50400 , 50605 , 50702 and 50703 , all
sus tracts are shown in Map
of which had a score of 8 . These cen41 , which is included as an
attachment to this application .
� 2 . The HIVIDA high cost loan rate (sub- prime mortgage areas ) provided by HUD . Indian River County
has elected to utilize a score greater than seventeen percent ( 17 % ) . This includes census tract 50302 ,
which had a score of 43 . 1 % * census tract 50606 , which had a score of 40 .3 % 0 census tract 50901 ,
which had a score of 32 . 1 % ; census tract 50603 , which had a score of 31 . 6 % ; census tract 50803 ,
which had a score of 27 . 3 % ; census tract 50100 , which had a score of 27 . 20/0 ; census tract 50801 ,
which had a score of 27 . 0 % 1 census tract 50602 . which had a score of 24 . 8 % ; census tract 50701 ,
which had a score of 24 . 4 % o census tract 50200 , which had a score of 23 . 4 % ; census tract 50802 ,
which had a score of 22 . 1 % ; census tract 50703 , which had a score of 19 . 5 "/° ; census tracts 50400 and
50804 , each of which had a score of 18 . 6 % ; census tract 50702 , which had a score of 17 . 8 % ; and
census tract 50902 , which had a score of 17 . 5 % . These census tracts are shown in Map #2 , which is
included as an attachment to this application .
I
3 . The geographic comparison from Realty Trac showing foreclosure rates in the County by Zip Code .
Indian River County has elected to utilize a foreclosure rate higher than the county average of . 26 `o .
The Zip Code areas that helped define the County ' s target areas are as follows : 32967 which had a
" " % 32968 which had a foreclosure rate of . 45 % ; 32962 which had a foreclosure
foreclosure rate of . 55 ,
rate of A2 % ; 32948 which had a foreclosure rate of . 37 % e and 32958 which had a foreclosure rate of
31 % . The Realty Trac information is included in Addendum # 1 to this application . The zip code
areas described herein are shown on Map #3 , which is included as an attachment to this application .
� 4 . Based upon the information presented above , Indian River County has included the municipalities
and Census Designated Places of Fellsmere , Florida Ridge , Gifford , Roseland , Sebastian , Vero
Beach , Vero Beach South , Wabasso , West Vero Corridor, and Winter Beach as target areas for the
Neighborhood Stabilization Program . These target areas are shown on Map 44 , which is included as
an attachment to this application .
I J
STRATEGY 41 HOUSING ACQUISITION/REHABILITATION OF HOMES FOR SALE TO
INDIVIDUALS AND FAMILIES WITH INCOMES LESS THAN 120 PERCENT OF AMI :
I
Indian River County will use Strategy # 1 to address priority needs related to foreclosed and abandoned
single family residential properties in the target area communities .
In order to identify priority need target areas , the County utilized statistical data available through HUD
and statistical data available from Realty Trac as detailed above . The County then evaluated the available
census tract and zip code information and identified priority need target areas as those ranking at 8 or above
on HUD ' s estimated foreclosure abandonment risk score and 17 . 0 % or above on HUD ' s HMDA high cost
(subprime) loan assessment . The County also included zip codes that were above the County average of
. 26 % for foreclosed properties from the Realty Trac information .
The resulting target areas of greatest need are the neighborhoods of Fellsmere , Florida Ridge , Gifford ,
Roseland , Sebastian , Vero Beach , Vero Beach South , Wabasso , West Vero corridor, and Winter Beach .
The County intends on purchasing , rehabilitating and selling eight (8) single family housing units as part of
this activity .
There is a significant amount of unmet need . With additional funds , the county could address twenty (20)
additional single family housing units utilizing the same delivery strategy .
NSP STRATEGY 42 : HOUSING FINANCE :
Under this activity , the County will provide all eight ( 8) of the families acquiring homes under activity # 1
with closing cost assistance .
As an unmet need , the County could provide the twenty ( 20) additional single family housing units identified
as an unmet need in Activity # 1 with closing cost assistance .
NSP STRATEGY 45 : HOUSING ACQUISITION/REHABILITATION OF HOMES FOR LEASE TO
INDIVIDUALS AND FAMILIES WITH INCOMES LESS THAN 120 PERCENT OF AMI.
For the acquisition , rehabilitation and rental portion of the County ' s overall strategy , the County will use the
same methodology for selecting target areas as described for the acquisition , rehabilitation and purchase
activity detailed above . The main difference will be that the selection of properties will be targeted toward
both existing single family and multi- family units . For this strategy , the County anticipates purchasing,
rehabilitating and leasing seven ( 7 ) units utilizing regular NSP funding and five ( S) additional units utilizing
the NSPLI funding in this strategy . The NSP funded units are intended for occupancy by families making
below 120 % AMI, while the NSPLI funded units will be leased to families whose total household income is at
or below 50 % of AMI .
By acquiring , rehabilitating and selling or renting previously foreclosed homes to the County ' s existing pool
of eligible home buyers and renters , the County will reduce the number of blighted , vacant properties within
the existing targeted neighborhoods .
III . NSP STRATEGIES
NSP STRATEGY I : HOUSING ACQUISITION/REHABILITATION OF HOMES FOR SALE TO
INDIVIDUALS AND FAMILIES WITH INCOMES LESS THAN 120 PERCENT OF AMI
Description : The purpose of this NSP strategy is to stabilize neighborhoods of greatest need by providing a means
for the acquisition , rehabilitation , renovation , and subsequent provision of homes and other foreclosed or
abandoned residential properties to individuals and families whose income does not exceed 120 percent of the area
median income . NSP sub - grantees will be required to work with lenders to acquire homes that have been foreclosed
within the areas designated as having the greatest need . Indicate which activities you plan to undertake with
NSP
and/or other funding :
_X_24 CFR 570 . 201 ( a) Acquisition
_X_24 CFR 570 , 201 ( b) Disposition
_X_24 CFT 570201 ( e) Public Services for housing counseling
24 CFR 570 . 201 ( i ) Relocation
_X _24 CFR 570 . 201 ( n ) Homeownership Assistance
X 24 CER 570 . 202 (a) Rehabilitation
Total NSP Budget for NSP Strategy : $. 1 , 520 , ) 00
Other Funds to Be Committed for NSP Strategy : $ 0
NSP Target Area and Justification : Include as much detail as you can about the NSP target area( s ) and
provide
justification of need (estimated number of foreclosed homes , vacant homes , etc . ) .
NSP Target Area (city ,
neighborhood , etc . ) As shown on the target area map , includingFellsmere , Florida Ridge , Gifford ,
� Roseland , Sebastian , Vero Beach , Vero Beach South , Wabasso , West Vero Corridor ,
I
and Winter Beach
Justification ( estimated In developing the Target Areas for this strategy , the County utilized several sources of
number of toreclosures , information , including HUD census tract data reflecting the estimated
etc . ) :
foreclosure/abandonment risk score in selected activity areas that attained a score of 8
or above . The County also utilized HUD data for HMDA high cost ( sub - prime ) loans
and included all census tract areas that were over 17 . 0 % . Additionally , the County
utilized information from Realty Trac that identifies areas by zip code that have
foreclosure rates greater than the County average of . 26% . There is an abundance of
homes available in the identified target areas that can be purchased and will need a
moderate amount of rehabilitation prior to resale .
I I
I
—I
Potential Nonprofit or For-
II
profit Su
Indian River Habitat for Humanity and others .
( including property
management companies) :
� I
Potential Lending Partners
( if known ) : Harris Bank, Marine Bank & Trust Company , National City Mortgage , RBC ,
Riverside National Bank , Seacoast National Bank, SunTrust Bank , Wells Fargo Home
Mortgage , Habitat for Humanity
Potential Counseling
Agencies ( if known ) :
Timeline : Please provide a tentative timeline for the following steps :
Activity Tentative Start Dates
Identification of units for acquisition 4 /01 /09
Appraisal of units 7/ 01 /09
Negotiation of price at closing 8 /01 / 09
Rehabilitation of units ( if needed ) 9 / 01 /09
Solicitation and qualification of buyers 7/ 01 /09
Closing 12 / 01 / 09
Performance Measures : All activities funded with State NSP funds must meet one or more of
the following
performance measures :
Enter estimated number of units that will benefit each income level : 50 % AMI 51 - 80 % 81 - 120 %
and below AMI AMI
estimated units of housing to be acquired 0 2 6
estimated units of housing to be rehabilitated 0 2 6
estimated units of housing to be demolished 1 0 0 0
estimated units of housing to be sold 0 2 6
estimated parcel ( s ) to be acquired 0 0 0
Unmet Need : Please describe any unmet need that you wish to be taken into consideration should recaptured funds
from another grantee or program income be made available .
NSP Strategy Approximate $ Amount
Needed
I
If sufficient funds are available , the County could address twenty (20 ) additional housing
units under this strategy $ 4 , 0001000
i
r>
NSP STRATEGY 2 : HOUSING FINANCE
Description : The purpose of this NSP strategy is to improve access to mortgage capital on flexible terms , maintain
occupancy of foreclosed homes , facilitate property renovation , and help individuals and families access responsible
credit and financing to promote homeownership by promoting long- term affordability . Indicate which activities
you plan to undertake with NSP and / or other funding :
24 CFR 570 . 206 ( 8 ) Administrative expenses to facilitate housing
X 24 CFR 570 . 201 ( 11 ) Homeownership Assistance
Total NSP Budget for NSP strategy : $ _80 , 000
Other Funds to Be Committed for NSP Strategy :
NSP Target Area and Justification : Include as much detail as you can about the NSP target area( s) and
provide
justification of need ( estimated number of foreclosed homes , vacant homes , etc . ) .
NSP Target Area ( city ,
neiGifford ,etc . ) As shown on the target area map , including Fellsmere , Florida Ridge , ,
Roseland , Sebastian , Vero Beach , Vero Beach South , Wabasso , West Vero Corridor ,
and Winter Beach
Justification ( estimated In developing the Target Areas for this strategy , the County utilized several sources of
number of foreclosures , information , including HUD census tract data reflecting the estimated
etc . ) : foreclosure/ abandonment risk score in selected activity areas that attained a score of 8 I
or above . The County also utilized HUD data for HMDA high cost ( sub - prime ) loans
and included all census tract areas that were over 17 . 0 % . Additionally , the County
utilized information from Realty Trac that identifies areas by zip code that have
foreclosure rates greater than the County average of . 26% . There is an abundance of
� homes available in the identified target areas that can be purchased and will need a
moderate amount of rehabilitation prior to resale .
�II I
I
Potential Nonprofit or For-
profit Subrecipients In
River Habitat for Humanity and others . --------i
( including property �i
management companies) :
I �
Potential Lending Partners
( if known ) : Harris Bank , Marine Bank & Trust Company , National City Mortgage , RBC ,
I
Riverside National Bank, Seacoast National Bank , SunTrust Bank , Wells Fargo Homme
Mortgage , Habitat for Humanity —�
Potential Counseling
Agencies ( if known ) :
;
Timeline : Please provide a tentative timeline for the following steps :
Activity Tentative Start Dates
Identification of units for acquisition 4 /01 /09
Appraisal of units 7 / 01 /09
Negotiation of price at closing 8 / 0 t /09
Rehabilitation of units ( if needed ) 9 /01 / 09
Solicitation and qualification of buyers 7/01 /09
Closing 12 /01 /09
Performance Measures _ All activities funded with State NSP funds must meet one or more of the
following
performance measures :
Enter estimated number of units that will benefit each income level : # benefit- 1 51 - 80 % 81 - 120 %
in Y9 50 % AM [ AMI
AMI and
below
estimated number of households to receive homeownership assistance 0 2 6
Unmet Need : Please describe any unmet need that you wish to be taken into consideration should recaptured funds
from another grantee or program income be made available .
NSP Strategy Approximate $ Amount Needed
If additional funds are made available , the County could address twentv ' 20
additional housing units under this strategy 100 , 000
I I
NSP STRATEGY 3 : ESTABLISHING LAND BANKS
NSP strategy is to bring abandoned property back into producti
Description : The purpose of thisve use , generating
tax revenue , raising property values and creating community amenities such as affordable housing and green space .
For the purposes of the NSP program , a land bank wilt operate in a specific , defined geographic
area and will
purchase properties that have been abandoned or foreclosed upon and will maintain , assemble , facilitate
dispose of the land- banked properties . Indicate which activities you plan to
redevelopment of, market, and
undertake with NSP and/ or other funding :
24 CFR 570 . 201 ( a ) Acquisition
24 CFR 570201 ( b ) Disposition
Total NSP Budget for NSP Strategy : $ 0 . 00
gy :
Other Funds to Be Committed for NSP Strafe $ The Department will limit the overall
reg
funding (excluded the funds set aside for rental housing for households at or below 50 percent
percentage of re
AMI ) that can be used for land banking to 10 percent .
NSP Target Area and Justification : Include as much detail as you can about the NSP target area( s ) and
provide
justification of need (estimated number of foreclosed homes , vacant homes , etc . ) .
I NSP Target Area (city ,
neighborhood , etc . )
I
I
Justification (estimated
number of foreclosures ,
etc . ) . A land bank
disposition plan must be II
provided if you intend to
spend NSP funds on land
�I
banking . I
II j
I
I! I
' • 1 Non ro
fit
C For-
i. Potentia p I
For-
profit Subrecipients
( including property
management companies ) :
I
I
� II
i
Timeline : Please provide a tentative timeline for the following steps :
Activity Tentative Start Dates
Identification of parcels for acquisition
If acquired parcels have vacant units that will he demolished, indicate tentative date
for demolition
iE
Appraisal of parcel
Negotiation of price at closing
Closing
I
Performance Measures : All activities funded with State NSP funds must meet one or more of
the following
performance measures :
estimated number of parcels ,
estimated units of housing or other properties to be demolished _
estimated parcel ( s ) to be acquired
Unmet Need : Please describe any um-net need that you wish to be taken into consideration should recaptured funds
from another grantee or program income be made available .
NSP Strategy Approximate S Amount
j Needed
I
NSP STRATEGY =4 : DEMOLITION AND CLEARANCE / HOUSING REDEVELOPMENT
Description : "The purpose of this NSP strategy is to turn vacant or blighted properties into productive use that will
n
ghborhood which has been egatively impacted by foreclosures . Indicate which activities you
help stabilize a nei
plan to undertake with NSP and / or other funding :
24 CFR 570 . 201 ( a) Acquisition
24 CFR 570 . 201 ( b ) Disposition
24 CFR 570 . 201 ( d ) Clearance and Remediation ( including housing replacement or new construction )
24 CFR 570201 ( n ) Homeownership Assistance
24 CFR 570 . 201 (o ) Counseling
Total NSP Budget for NSP Strategy : $ 0 Funds for this activity cannot exceed five percent of the
regular allocation (excluding the set- aside for rental housing) .
Other Funds to Be Committed for NSP Strategy : $ 0
NSP Target Area and Justification : Include as much detail as you can about the NSP target area( s )
and provide
Justification of need ( estimated number of foreclosed homes , vacant homes , etc . ) .
NSP Target Area ( city ,
neighborhood , etc . )
Justification (estimated
number of foreclosures ,
etc . ) :
Potential Nonprofit or For
profit Subrecipients —
( including property
management companies ) :
Potential Lending Partners
( if known ) :
Potential Counseling
Agencies ( if known ) :
Timeline : Please provide a tentative timeline for the following steps :
ii Activity Tentative Start Dates
Identification of units for acquisition
Appraisal of units
If acquired units will he demolished, indicate tentative date for demolition
If new construction will occur, indicate tentative date for completion
Negotiation of price at closing
Closing
Performance Measures : All activities funded with State NSP funds must meet one or more of
the following
performance measures :
Enter the estimated number of units for each income level : # benefit- 51 - 80 % 81 - 120 %
ing 501% AMI ANII
AMI and
below I
estimated units of housing to be acquired
estimated units of housing to be rehabilitated
estimated units of housing to be demolished
e isenated units of housing to be sold
estimated units of housing to be rented — C
estimated parcel ( s ) to be acquired
Unmet Need : Please describe any unmet need that you wish to be taken into consideration should recaptured funds
from another grantee or program income be made available .
NSP Strategy Approximate $
l Amount Needed
NSP STRATEGY 5 : HOUSING ACQUISITION/REHABILITATION OF HONIES FOR LEASE TO
INDIVIDUALS AND FAMILIES WITH INCOMES LESS THAN 120 PERCENT OF AMI. FUNDS FOR
THIS NSP STRATEGY MUST INCLUDE ALL OF THE SUPPLEMENTAL FUNDING , BUT MAY ALSO
INCLUDE THE REGULAR STATE ALLOCATION .
Description : The purpose of this NSP strategy is to turn foreclosed or abandoned properties into decent, safe
and
affordable housing for low , moderate and middle income individuals and families . This form must reflect the 25
percent set- aside for rental housing for households at or below 50 percent of AMI as well
as for rental
housing funded from the regular allocation that meets the income requirement . Indicate which activities you
plan to undertake with NSP and/or other funding :
X 24 CFR 570 . 201 ( a) Acquisition
_X_24 CFR 570 . 202 ( a) Rehabilitation
24 CFR 570 , 201 ( b ) Disposition
24 CFR 570 . 201 ( i ) Relocation
Total NSP Budget for NSP Strategy : $_ 1 , 680 , 247_
Total NSP Budget for activities that will benefit persons at or below 50 percent of AML• S.."1 , 082 282
Other Funds to Be Committed for NSP Strategy : $ 0
NSP Target Area and Justification : Include as much detail as you can about the NSP target area( s ) and
provide
Justification of need ( estimated number of foreclosed homes , vacant homes , etc . ) .
NSP Target Area ( city , As shown on the target area map , including Fellsmere Florida Ridge , Gifford ,
neighborhood , etc . ) Roseland , Sebastian , Vero Beach , Vero Beach South , Wabasso , West Vero Corridor,
and Winter Beach _
Justification (estimated In developing the Target Areas for this strategy, the County utilized several sources
number of foreclosures , of information , including HUD census tract data reflecting the estimated
etc . ) : foreclosure/abandonment risk score in selected activity areas that attained a score of
8 or above . The County also utilized HUD data for NMDA high cost ( sub - prime )
loans and included all census tract areas that were over 17 . 0 % . Additionally , the
County utilized information from Realty Trac that identities areas by zip code that
a ► he County average of . 26 % . There is an
have foreclosure rates greater than t g
ha g I�
abundance of homes available in the identified target areas that can be purchased and i
W need a moderate amount of rehabilitation prior to resale .
- I
Potential Nonprofit or For-
profit Subrecipients Every Dream Has a Price , Inc . , Coalition For Attainable Homes , hoc and others
( including property
management companies ) :
II
Potential Lending Partners
( if known ) : None
I
I
i
Potential Counseling
Agencies ( if known ) ;
I imeline : Please provide a tentative timeline for the following steps :
Activity Tentative Start Dates
Identification of units for acquisition 5 / 01 /09
Appraisal of units 6/01 /09
Negotiation of price at closing 7/ 01 /09
Rehabilitation of units ( if needed ) 9/0 ] /09
Closing 12/01 /09
Performance kleasures- All activities funded with State NSP funds must meet one or more of
the following
performance measures :
Enter estimated number of units that will 4 benefiting 50 % AMI and below 51 - 80 % 81 - 120 %
benefit each income level : (this amount must correspond to the I AMI AMI
rental set- aside allocation)
estimated units of housing to be acquired 5 2 5
estimated units of 11OUSing to be rehabilitated 5 2 5
estimated units of housing to be demolished 0 0 5
estimated units of housing to be rented 5 2 5
estimated parcel ( s ) to be acquired 5 2 5
Unmet Need : Please describe any unmet need that you wish to be taken into consideration should recaptured funds
from another grantee or program income be made available .
NSP Strategy Approximate $ Amount
Needed
If additional funds are made available the COWIN could address twenty (20 ) additional $ 4 , 000 , 000
housing units under this strategy ,
i
i
ADMINISTRATION
S must be associated with overall program management . This does not include
Description : Administrative cost
costs associated with carrying out activities eligible under Section tt ( B ) ( 3 ) ( b ) regarding homebuyer counseling or
activity delivery costs .
Total Budget : $ _3 t8 , 296 (cannot exceed 6 . 8 percent of allocation)
_ I
Responsible Organization : Indian River Count
_
Potential Subrecipients :
IV . ASSURANCES , CERTIFICATIONS AND SIGNATURE
I , the undersigned chief elected official or authorized representative of the Applicant, certify that this
Application
has been approved by the local governing body and that the Applicant will comply with the following certifications
and assurances as well as applicable federal and state requirements in the administration of any award that is made
.
1 . Affirmatively furthering fair housing . The Applicant certifies that it will affirmatively further fair housing,
which
means that it will conduct an analysis to identify impediments to fair housing choice within the jurisdiction
, take
appropriate actions to overcome the effects of any impediments identified through that analysis , and
maintain
records reflecting the analysis and actions in this regard .
2 . Anti - lobbying . The Applicant must submit a certification with regard to compliance with restrictions on lobbying
required by 24 CFR part 87 , together with disclosure forms , if required by that part .
3 . Authority of Applicant . The Applicant certifies that the consolidated plan is authorized under state and local
law
( as applicable ) and that the jurisdiction possesses the legal authority to carry out the programs
for which it is
seeking funding , in accordance with applicable HUD regulations and other program requirements .
4 . Acquisition and relocation . The Applicant certifies that it will comply with the acquisition and relocation
requirements of the Uniform Relocation Assistance and Real Property Acquisition Policies Act of 1970 , as amended
( 42 U . S . C . 4601 ) , and implementing regulations at 49 CFR part 24 , except as those provisions are
modified by the
notice for the NSP program published by HUD . An Anti - Displacement and Relocation Plan has been adopted (
or
will be adopted prior to the expenditure of funds ) and displacement of persons will be minimized .
5 . Section 3 . The Applicant certifies that it will comply with section 3 of the Housing and Urban
Development Act
of 1968 ( 12 U . S . C . 1701 u ) , and implementing regulations at 24 CFR part 135 .
6 . Citizen participation . The Applicant certifies that it is in full compliance and following a detailed
citizen
participation plan that satisfies the requirements of Sections 24 CFR 91 . 105 or 9 1 . 1 15 , as modified
by federal and
state NSP requirements .
7 . Use of funds . The Applicant certifies that it will comply with Title III of Division
B of the Housing and
Economic Recovery Act of 2008 by using all of its grant funds within 18 months of receipt of the grant .
S . The Applicant certifies :
a . that all of the NSP funds made available to it will be used with respect to individuals and families
whose
I
ncomes do not exceed 120 percent of area median income ; and
b . The Applicant will not attempt to recover any capital costs of public improvements assisted with
NSP
funds , including Section 108 loan guaranteed funds , by assessing any amount against properties owned and
occupied by persons of low - and moderate - income , including any fee charged or assessment made
as a
condition of obtaining access to such public improvements . However, if NSP funds are used to
pay the
proportion of a fee or assessment attributable to the capital costs of public improvements ( assisted in
part
with NSP funds) financed from other revenue sources , an assessment or charge may be made against
the
property with respect to the public improvements financed by a source other than NSP funds . In addition
,
with respect to properties owned and occupied by moderate income ( but not low - income ) families
, an
assessment or charge may be made against the property with respect to the public improvements financed
by a source other than NSP Hinds if the Applicant certifies that it lacks NSP funds to cover the assessment .
9 . Excessive force . The Applicant certifies that it has adopted and is enforcing :
a . A policy prohibiting the use of excessive force by law enforcement agencies within its
jurisdiction
against any individuals engaged in nonviolent civil rights demonstrations ; and
b . A policy of enforcing applicable state and local laws against physically barring entrance to , or exit from
,
a facility or location that is the subject of such nonviolent civil rights demonstrations within itsjurisdiction .
10 . Compliance with antidiscrimination laws . The Applicant certifies that the NSP grant will be conducted
and
administered in conformity with Title VI of the Civil Rights Act of 1964 (42 U . S . C . 2000d ) , the
Fair Housing Act
( 42 U . S . C . 3601 -3619 ) , and implementing regulations .
11 . Compliance with lead - based paint procedures . The Applicant certifies that its activities concerning lead
- based
paint will comply with the requirements of part 35 , subparts A , B , 1 , K , and R of this title .
12 . Compliance with laws . The Applicant certifies that it will comply with applicable laws .
13 . The Applicant will satisfy the Intergovernmental Coordination and Review ( Clearinghouse Review Process )
and Environmental Review requirements .
14 . Each housing structure addressed with CDBG funds will , upon completion , meet HUD Section 8
Housing
Quality Standards and local codes .
15 . The Applicant has adopted a Community Development Plan or has adopted the Local Comprehensive Plan as
the Community Development Plan .
16 . The Applicant has adopted a Housing Assistance Plan for selecting potential beneficiaries and housing units for
the proposed NSP assistance .
17 . The Applicant will collect and maintain documentation verifying that the beneficiaries of the funds meet
the
federal guidelines as described in the Federal Register Notice dated October 6 , 2008 , and the
specific activity
requirements described in the NSP Substantial Amendment to the Action Plan .
18 . The Recipient has read , understands , and will comply with the provisions of the State ' s Substantial Amendment
to its 2008 Action Plan regarding the recapture of funds and program income .
19 . The Applicant will monitor all subrecipients to ensure compliance with all regulations promulgated by HUD
and the Department of Community Affairs ,
20 . The information presented in this application is accurate , and documentation is on file and readily accessible
to
the Department of Community Affairs .
21 . Submission of this Application was authorized by the local governing body .
Wesle S . Davis
Typed Name of Chief Elected Official or Individual Authorized by
Resol of the Local Governing Body
Signature of Chief Elected Official or Individual Authorized by
Resolution of the Local Governing Body
Date
ATTACHMENT A : PROJECT BUDGET AND ACCOMPLISHMENTS
NSP STRATEGY 1 : Housing Acquisition/ Rehabilitation of homes for sale to individuals and families with incomes less than 120 percent
of AMI
ACTIVITY ACCOMPLISHMENTS BENEFICIARIES BUDGET
ACTIVffY ACTIVITY UNIT ESTIMATED 50 % 51 % to 81 % to NSP $ OTHERS SOURCE( S)
# NUMBER AMI 80 % 120 %
and AMI AMI
below
2113 ENGINEERING
01 Acquisition
Housing Unit 8 5 15 1 , 160 , 000 0
02 Disposition
05 Public Services for housing
counseling Family 8 5 15 4 , 000 0
08 Relocation
13 Homeownership
Assistance
14A Rehabilitation - Single
Family Housing Unit 8 5 15 356 , 000 0
14B Rehabilitation -- Multi
Family F 15
TOTALS
8 5 15 1 , 520, 000 0
ATTACHMENT A : PROJECT BUDGET AND ACCOMPLISHMENTS
NSP STRATEGY 2 : Housing Finance
ACTIVITY ACCOMPLISHMEN "1 ' S BENEFICIARIES BUDGET
ACTIVITY ACTIVITY UN1T ESTIMATED 50% 51 % to 81 % to NSP O"THERS SOURCE( S )
ii NUMBER AMI 80% 120 % $
and AMI AM ]
below
13 Homeownership Assistance ( including
Administrative Expenses -Necessary to Family 8 5 15 80000 0
,
Facilitate Homeownership)
Totals 807000 0
ATTACHMENT A : PROJECT BUDGET AND ACCOMPLISHMENTS
NSP STRATEGY 3 : Establishing Land Banks
AC ' FIV1TY ACCOMPLISHMENTS BENEFICIARIES BUDGET
ACTIVITY ACTIVITY UNIT ESTIMATED 50% 51 % to 81 % to NSP S OTHER S SOURCES )
# NUMBER AMI 80% 120 %
and AMI AMI
below
21B ENGINEERING
01 Acquisition
02 Disposition
04 Clearance and remediation
Totals
0
ATTACHMENT A : PROJECT BUDGET AND ACCOMPLISHMENTS
NSP STRATEGY 4 : Demolition and Clearance/ Housing Redevelopment
ACTIVITY ACCOMPLISHMENTS BENEFICIARIES BUDGET
ACTIVITY AC "IIV17Y UNIT ESTIMATED 50% 51 % to 81 % to NSP OTHER SOURCE ( S)
t# NUMBER AMI 80% 120% S S
and AMI AMI
below
21B ENGINEERING ( If applicable)
01 Acquisition
02 Disposition
05 Public Services for housing counseling
08 Relocation
13 Homeownership Assistance
04 Clearance and remediation
12 Housing Replacement
Totals
0
ATTACHMENT A : PROJECT BUDGET AND ACCOMPLISHMENTS
NSP STRATEGY 5 : Housing Acquisition/Rehabilitation of homes for lease to individuals and families with incomes less
than 120 percent of AMI . This page must include
funds set- aside for individuals and families with incomes less than 50 percent of AML
ACTIVITY ACCOMPLISHMENTS BENEFICIARIES BUDGET
ACTIVITY ACTIVITY UNIT ESTIMATED 50% 51 % 81 % to Total NSP $ for REGULAR OTHER S SOURCE( S )
# NUMBER AMI to 120% activities that will NSP S
and 80 % AMI benefit persons at or
below AMI below 50% AMI
21B ENGINEERING
01 Acquisition Housing 12 12 5 12 750 , 000 1 , 0501000 0
Unit ___
14A Rehabilitation – Single l lousing 12 12 5 12 332 , 282 630 ,247 0
Family Unit
14B Rehabilitation Multi
Family –
02 Disposition
08 Relocation
Totals Housing 12 12 5 12 102 , 282 1 , 680 , 247 0
Unit — __
ATTACHMENT A : ACTIVITY AND BUDGET SUMMARY
SUMMARY OF ALL AC'fiy1 '1 ' IES
This form must reflect the summary of all activities to be undertaken as well as administrative costs ( not to exceed 6 . 8%
of the allocation ) .
Project delivery administrative costs should be included in the activity budget (not the Administration line item) . For examC>le, all costs
related to the Sjwcific acquisition of a
residential property should be included in the acquisition budget.
ACTIVITY ACCOMPLISHMENTS BENEFICIARIES BUDGET
ACTIVITY ACTIVITY UNIT ESTIMATED 50% 51 % 81 % to Total NSP S for REGULAR OTHER S SOURCE (
S )
# NUMBER AMI to 120% activities that NSP S
and 80% AMI will benefit
below AMI persons at or
below 50% AMI
21A ADMINISTRATION
318 , 296 0
2113 ENGINEERING
01 Acquisition Housinv
Unit ? 0 12 10 27 750 , 000 2 , 2 101000 0
14A Rehabilitation - Single Ifousim4
Family Unit 20 12 10 27 332 , 282 986 ; 247 p
14B Rehabilitation - Multi
Family
02 Disposition
05 Public Services for - --
Housing Counseling Family 8 0 5 15 4 , 000 0
08 Relocation
13 Homeownership
Assistance ( including
Administrative Expenses Housing Unit 8 0 5 15 80 ) 000 0
to Facilitate
Homeownership )
04 Clearance and
Remediation
l 'otals — 1 082 282 I 3 , 598 , 5) 41 0
ATTACHMENT B
HOUSING ASSISTANCE PLAN
The local government must adopt a policy for selecting beneficiaries and housing units for housing assistance . If the Department
awards a grant to the local
government, the local government must follow this policy . The policy can only be modified with DCA approval . A copy
of the policy must accompany the
application . Please refer to the Application Instructions for the minimum criteria required in the plan .
Attachment B
INDIAN RIVER COUNTY
FFY 2009 COMMUNITY DEVELOPMENT BLOCK GRANT
NEIGHBORHOOD STABILIZATION PROGRAM ( NSP)
HOUSING ASSISTANCE PLAN
REHABILITATION/REPLACEMENT/TEMPORARY
RELOCATION GUIDELINES AND
GENERAL INFORMATION FOR PARTICIPANTS
I . INTRODUCTION
The national foreclosure crisis has drastically impacted Indian River County and the
families living within the community , resulting in many vacant, abandoned and
foreclosed properties . The vacant and abandoned properties in the community threaten
both the stability of the local housing market and the viability of the neighborhoods
within the community . These circumstances invite crime and discourage further
investment in the community .
To address the impacts of the national foreclosure problem , the federal govermnent
created the Neighborhood Stabilization Program (NSP) , a Federally Funded Program in
which funds are provided to local governments through the Florida Department of
Community Affairs ( DCA ) to address foreclosed and abandoned properties in the areas of
greatest need within their community . On the local level , Neighborhood Stabilization
funds are to be utilized to provide affordable housing to very low income ( less than 50 %
AMI ) , low to moderate income ( 5 1 % - 80 % AMI ) , and moderate to middle income ( 81 % -
120 ) AMI ) families . In Indian River County , NSP dollars will be utilized to purchase and
rehabilitate foreclosed properties . These rehabilitated properties will be made available
through purchase or rental to qualified families who make a maximum of 120 % of the
area median income ( AMI ) .
IL GENERAL
The purpose of the information provided herein is to establish guidelines by which the
County will operate its Neighborhood Stabilization Program . These guidelines have been
established to ensure compliance with the requirements established by the Florida
Department of Community Affairs ( DCA) and the Federal Department of Housing and
Urban Development ( HUD ) for the Neighborhood Stabilization Program , The
information contained herein is subject to change upon action of DCA , HUD , or the
Indian River County Commission .
Through this document, Indian River County confirms that it will not discriminate on the
basis of RACE , CREED , COLOR, SEX , RELIGION , ETHNICITY , HANDICAP , AGE ,
NATIONAL ORIGIN , or FAMILY STATUS . Individuals residing in the County are also
protected by the State ' s Fair Housing Act , Sections 760 . 20 , 760 . 22 , 760 . 23 , and any
amendments thereto .
1
To serve as an oversight committee for the NSP program , Indian River County has
established a NSP Citizen ' s Advisory Task Force ( CATF) . This committee will meet as
needed to ensure that the program operates in accordance with all Local , State , and
Federal requirements .
III . TYPE OF ASSISTANCE
All applicants considered for the NSP program must qualify under the strategy in which
they apply for assistance . The steps taken by the County to solicit applicants and the
criteria utilized to rank them shall be available for public review .
To select participants for both the Home Ownership and Rental Strategies , the following
steps will be taken :
1 . A display advertisement will be placed in one or more local newspapers of
general circulation , advising local citizens of the availability of grant funds and
establishing a convenient time and place for interested citizens to obtain information and
pick up application forms to provide for eligible residents to be considered for inclusion
in the program . Applications will be accepted by the County for a minimum of twelve
( 12 ) calendar days after the notice is placed .
2 . A list of qualified applicants will be compiled by each of the Non- Profit and/ or
For- Profit Housing Organizations selected by the County to participate as a sub - recipient
to help carry out one or more NSP strategies . Each sub - recipient shall inform their
potential applicants who are eligible to participate in the NSP program to apply for NSP
participation . All applicants considered as possible NSP beneficiaries must qualify for
participation under the strategy they are being considered for . The steps carried out by
the sub - recipient to solicit for applicants must also be made available to the County .
3 . The County ' s list of eligible SHIP applicants shall be included for consideration
as potential beneficiaries .
4 . Local organizations which work with clientele that could qualify for the program
will be contacted , and asked to refer their potential applicants for NSP participation to the
CoUnty .
In a situation where there are more applicants than NSP housing units available , the
following ranking criteria will be utilized to rank qualified applicants :
1 . Applicants that were on the local government ' s affordable housing waiting list
or a sub - recipient ' s waiting list for eligible participants .
2 . In the home ownership strategy , the applicants with the strongest credit
ratings .
3 . Disabled and/ or handicapped heads of household .
4 . Applicants Heads of Household over 62 years of age .
5 . Applicants with large families ( five or more) .
6 . Applicants with small families (four or less) .
The local NSP representative , sub - recipient or consultant will meet with applicants and
discuss the requirements of the program . This shall include providing an informational
packet to the applicant . The informational packet shall include , at a minimum , a copy of
the Housing Assistance Plan , Lead Based Paint warning information , application form ,
and other appropriate documents .
All applicants will be required to complete a pre - approval application and provide all
requested back up documentation required to determine their program eligibility . When
requested , the applicant shall provide any additional and updated information to
document changes in household income and/or composition .
A list of qualified applicants will be made available to the CATF and Indian River
County Board of County Commissioners with ranking criteria noted . The CATF will
make recommendations to the Indian River County Board of County Commissioners for
Final ranking .
All program beneficiaries who will be purchasing housing units will be required to
attend , at a minimum , 8 hours of approved credit counseling . The credit counseling shall
be provided by a HUD certified organization prior to final approval of the beneficiary
through the NSP Program .
There will be no acquisition or rehabilitation of mobile homes , modular homes or other
forms of manufactured housing with NSP dollars under this program .
All recipients of properties purchased under the local NSP program will be required to
provide proof of insurance at closing and maintain homeowners insurance including , at a
minimum, fire , liability , causality and , theft insurance . The owners of all properties
purchased with NSP finding that are located in a flood zone must provide proof of flood
insurance at closing and maintain flood insurance for the life of the mortgage .
All required insurance policies must be maintained for the length of time that the
mortgage with the local government is in effect .
1 . REFIABILITATION STANDARDS
Neighborhood Stabilization Program funds will be utilized to purchase foreclosed ,
abandoned , deed in lieu of foreclosure and/or blight properties in predetermined target
areas . Residential structures purchased under this program that are not deemed beyond
feasible repair ( repairs exceeding 50 % of the value of the structure ) will be rehabilitated
as needed to meet the following :
1 . HUD Section 8 Housing Quality Standards ( 24CFR982 . 401 )
2 . Local Zoning Requirements
3 . State of Florida Building Code
4 . The local building code
5 . Modern , Green Building and Energy - Efficiency Criteria
6 . Florida Energy Efficiency Code for Building Construction (Newly
Constructed Housing Units)
7 . Accessibility requirements of 24 CFR Part 8 , 24 CFR 100 . 201 , and
24 CFR 100 . 205
Parcels and residential structures acquired under this program will be purchased at no
more than 85 % of the current appraised market value of the property . Current appraised
value will be determined by an appraisal completed by a licensed real estate appraiser
within 60 days prior to the closing on the property .
The Housing Specialist will assign a case number and evaluate each property being
considered for purchase under the program . The initial inspection will result in a report
of finding which will be used in the consideration for purchase .
Homes considered for purchase under this program will be evaluated by the local
Housing Specialist and/or Non- Profit and/ or For Profit sub - recipient , and a written
recommendation of condition will be submitted to County staff for approval prior to an
offer for purchase being submitted to the owner of the property .
Written notification will be submitted by certified mail to all property owners who were
notified that their properties were being considered for purchase under this program , but
later were eliminated from consideration .
Prior to the County moving forward with carrying out its due diligence on any parcel
being considered for purchase , the owner of the parcel to be acquired under this program ,
will be required to sign a purchase option contract with the County or its sub - recipient
that commits the property owner to sell the property .
The County will not exercise any powers of eminent domain as part of the NSP Program .
All contractors will be required to maintain and provide proof of builders risk insurance
on all new construction and rehabilitation contracts under the NSP Program .
The County will advertise for contractors in a newspaper published in a Metropolitan
Statistical Area ( MSA) with circulation throughout Indian River County . The County
will allow contractors a minimum of 15 days to submit prequalification packages . All
contractors must be pre - approved prior to bidding on projects . Pre - approval will include
completing a pre - qualification package, providing proof of proper Licensing through the
Florida Department of Business and Professional Regulation , providing proof of
insurance , providing proof of liability and worker ' s compensation insurance (provided
waivers will be evaluated) , and providing references and background documentation .
Contractors who have a potential conflict of interest with any recipients , sub - recipients or
potential beneficiaries will not be allowed to submit bids or perform any work under the
NSP program .
4
A list of prequalified contractors will be developed and maintained .
Bid specifications meeting the criteria of the program will be developed on each property
by the Housing Specialist .
Bid specification packages and contracts for multifamily projects with eight ( 8 ) or more
units will include Federal Labor Standards requirements , including Davis Bacon
compliance , Labor Standards provisions , Section 3 requirements and other applicable
Federal labor requirements . The County is not planning to purchase or rehabilitate any
properties with eight ( 8 ) or more multifamily units .
Prequalified contractors will be notified in writing of all available bid packages and
mandatory bid walkthroughs . In the bid specifications , the date and time that the bids are
due , as well as the public bid opening date , will be specified . All bids will be submitted
to the County . The bids will be publicly opened as stated in the contractor bid
notification . Bids will be evaluated and the lowest qualified bid will be recommended
for approval . Only bids received from prequalified contractors who had a representative
attend the mandatory bid walkthrough will be considered for contract award .
All bids will be presented to the Indian River County Board of County Commissioners
for final approval .
Contractors will be awarded no more than three ( 3 ) NSP construction contracts at any one
time . This number may be increased at the discretion of the County based upon the
contractor ' s demonstrated capacity to assume additional work .
Each construction contract will include a draw schedule , defined late penalties and the
allowed number of days to complete the project .
A Notice of Commencement will be recorded for each property after contract execution .
A Notice to Proceed will be issued for construction .
All construction projects will require permitting through the local building department .
The housing specialist will perform random on site inspections during construction in
addition to scheduled inspections as part of the draw request process .
A copy of all requests for payments will be submitted by the contractor to the local
government representative and the housing specialist .
All payment requests submitted by the contractor shall include partial release of liens and
evidence of all required building department approvals .
Tfinal nal request for payment must be include a Certificate of Occupancy or a Certificate
of Completion from the local building department , full release of liens from the
contractor , all sub - contractors and material suppliers , and a statement from the contractor
that all items on the initial work write up as modified through change orders have been
competed .
At the final walkthrough, the contractor is to provide the Housing Specialist with a
notebook containing all new appliance booklets , new HVAC information and all
warranties associated with the project as per the bid specifications .
The contractor will submit a copy of the Certificate of Occupancy or Certificate of
Completion from the local building department along with the Contractor ' s Certification
of Completion to the Housing Specialist . Upon the receipt of this information , the
Housing Specialist shall issue a final inspection report certifying that the residence meets
the applicable local code and Section 8 Housing Quality Standards .
No change orders are to be considered approved until fully executed by the contractor ,
local government , appropriate sub - recipient and housing specialist .
No change order over one thousand dollars ( S 1 , 000 . 00 ) will be considered unless it is to
address a building code violation , a Section 8 Housing Quality Standard issue , a local
code issue , or a health and safety issue .
The household composition of an applicant family must meet the minimum requirements
of the Section 8 Minimum Property Standards to qualify for the unit being considered for
purchase or rental .
No more than two (2 ) persons of the same sex may occupy the same bedroom .
Two (2 ) persons of the opposite sex may not occupy the same bedroom
(excluding husband and wife ) .
Any housing units located within a designated flood plain being considered for
acquisition and rehabilitation must have a floor elevation above the FEMA 100 year
flood zone elevation .
All new construction carried out in a flood zone shall be placed a minimum of twelve
I
nches ( 12 " ) above the FEMA 100 year flood zone elevation .
The date of original construction of a structure wilt be determined by the County ' s
property records and the data provided by the title search .
Information on all homes over 50 years of age that are proposed for inclusion in the NSP
will be presented to the Florida Department of State Bureau of Historic Preservation . The
package submitted to the Bureau of Historic Preservation shall include the proposed
rehabilitation specifications and current pictures . The decision as to whether to proceed
with the project will be based upon the guidance received froin the State Bureau of
Historic Preservation .
6
All residential housing units built prior to 1978 and being considered for inclusion in the
NSP program will be inspected by a licensed lead inspector . If lead is found exceeding
the maximum safe amounts as specified by HUD and it is decided to proceed with
acquisition and rehabilitation of the property , the lead will be abated based upon the
direction of a lead inspector . The lead abatement process shall be included in the bid
specifications . After the lead abatement has been completed , a clearance test will be
performed by a licensed lead inspector . Abatement will proceed until clearance is
obtained .
2 . RENTAL ASSISTANCE
The local NSPLI (Neighborhood Stabilization Program Low Income ) Supplemental
Allocation will be utilized to purchase and rehabilitate foreclosed , abandoned or blighted
structures . These structures will be brought up to Section 8 Housing Quality Standards
and made available as rental properties to households with a combined household income
which is less than 50 % of the area median income (AMI) . All potential tenants will be
required to go through the full client application process to determine eligibility and
ranking .
A portion of Regular NSP funds will be utilized to purchase and rehabilitate foreclosed ,
abandoned or blighted structures for rental to households with a combined household
income which is less than 120 % of the area median income . All potential tenants will be
required to go through the full client application process to determine eligibility and
ranking .
Any organization ( s) chosen through a request for proposal process to purchase ,
rehabilitate , own and manage NSP acquired rental properties must have at minimum of
five ( 5 ) years experience in the management of federal or state funded rental properties .
Each NSP rental property will be purchased by one of the selected non - profit or for profit
organizations . On each rental property purchased and rehabilitated with NSP funds , the
local government will place a promissory note and mortgage . The mortgage will be for
the total amount of NSP funds expended on the property , and will be in perpetuity at a
zero interest rate . The total amount of the mortgage will be due and payable to the
County if title to the property transfers from the non-profit organization .
A deed restriction will also be placed on the rental property , requiring that the property,
remain affordable in perpetuity to the specified Area Median Income (AMI ) group that it
is targeted to .
All rents will be affordable based upon the tenant ' s income and HUD ' s Annual Fair
Market rent limits .
7
3 . ACQUISITION PURCHASE ASSISTANCE
With respect to the acquisition purchase assistance strategy , a notice will be place in a
newspaper with Local circulation advising all local owners of foreclosed or abandoned
properties , including lending institutions , of the availability of the NSP program and of
the local government ' s intent to purchase foreclosed , abandoned , blighted and deed in
lieu of foreclosure properties .
By utilizing information obtained from the County Clerk ' s office , information obtained
from Realty- Trac , information obtained from various financial institution web sites , and
information provided by the owners of eligible properties , the local government will
compile a pool of eligible properties .
A request for proposals will be published to solicit local non- profit and for profit
organizations that wish to assume the role as sub - recipients in the local government ' s
NSP program . The organizations selected will be utilized to acquire and rehabilitate
foreclosed properties . The selected properties will be sold to eligible homebuyers as their
primary residence .
All proposals received will be evaluated and ranked based on each organization ' s ability
to best address the activities included in the NSP program in the time allowed .
The proposed ranking will be submitted to the Indian River County Commission for final
action .
A sub - recipient agreement will be executed with each approved organization .
Once selected , each organization will be provided with a list of available properties that
meet the requirements of the NSP program . From that list , each organization will
develop a list of properties that it would like to purchase in order to carry out its
NSP
program strategy .
All properties considered for acquisition will be inspected by the housing specialist , and a
written report and cost estimate will be prepared and presented to County staff. This
report and cost estimate will be used to determine which properties would best address
the strategies to be carried out as part of the County ' s NSP program .
An appraisal will be prepared for each property considered for purchase .
No longer than sixty ( 60 ) days after the completion of the appraisal report on the
property , a written offer to purchase will be submitted by the local government or its sub -
recipient partner to the property owner utilizing the Florida Association of Realtors
purchase option contract which has been approved by the Florida BAR . The contract
shall include the following contingencies :
8
• No lead paint
• Appropriate zoning and permits
• No liens
Property purchase prices will average no more than 85 % of the current appraised market
value of all properties purchased .
Once an offer is accepted by a seller , the following activities will be carried out :
• A property survey will be completed . If the property is located in a 100 year
flood zone , the survey will include information on existing floor elevations .
• A Phase 1 Environmental Assessment will be prepared for the property .
• A title search will be performed , and the feasibility to obtain title insurance on the
property will be determined .
• The current zoning of the property will be researched to verify that the property is
properly zoned for the intended use .
The property closing will take place at a title company or attorney ' s office .
A deed restriction requiring the property remain affordable for a minimum of twenty - five
years wilt be placed upon each property .
A promissory note and mortgage will be placed on each property purchased with NSP
funds . The mortgage will be for an unlimited term at a zero interest rate . There will be
no forgiveness of the mortgage . The mortgage will be due and payable to the County
when title to the property transfers from the parties on the mortgage .
A deed restriction will also be placed on the property requiring that the property remain
affordable to the specified Area Median Income ( AMI ) group for a minimum of twenty -
five years .
If the local govermnent decides not to purchase a property after the local government has
notified the property owner in writing that it is considering purchasing the property , a
letter notifying the property owner of the local government ' s decision not to purchase the
property will be sent by certified mail to the property owner .
4 . DISPOSITION SALE
Sub - recipients will be allowed a developer ' s fee (maximum of 12 % of the line item
activity budget) for :
1 . Marketing the property ;
2 . Finding and qualifying applicants for purchase or rental of the property
3 . Assisting prospective home buyers in obtaining fixed rate mortgages .
4 . Working with local government staff and the consultant to verify that all grant
requirements are being adhered to .
9
� . Ntaintaining the property during the period of time that the property is owned by
the sub - recipient .
6 . Assist the applicant with the home buying process .
For properties acquired with NSP funds and sold to a qualifying household , the buyer
household will obtain a principal mortgage from a financial institution , while the local
government will provide the purchasing household with a second mortgage . The second
mortgage will be for an amount that reflects the difference between the purchase price
and the principal mortgage amount . The second mortgage will be a zero interest ,
deferred payment loan for an unlimited term and shall be due and payable on sale or
transfer of the property .
5 . HOMEOWNERSHIP ASSISTANCE
Indian River County will utilize NSP funding to assist with closing cost assistance . All
NSP funds utilized as closing cost assistance will be secured by a second mortgage on the
residence . The second mortgage shall be in the form of a zero interest Deferred Payment
Loan ( DPL ) . The DPL will be for an unlimited term and will be due and payable at the
transfer of ownership of the property . The Deferred Payment Loan will be recorded as a
second mortgage on the property .
The Deferred Payment Loan will remain in force until ownership of the property is
transferred . There will be no principal reduction during the life of the Deferred Payment
Loan . The full amount of the Deferred Payment will be due and payable at the transfer of
ownership of the property .
6 . HOMEOWNERSHIP COUNSELING
All prequalified applicants participating in the home ownership program will be required
to attend a minimum of 8 hours of HUD certified homeownership counseling prior to
purchasing a property and must provide documentation of completion of a
homeownership counseling course prior to scheduling a property closing . The cost for
the homeownership counseling course will be paid with NSP funding and must be
scheduled through the local government or the sub - recipient .
7 . CONFLICT OF INTEREST
Any member of the County Commission or CATF , any local government employee , any
board member or employee of a sub - recipient organization , any contract worker who is
directly related to anyone working in the NSP Program , or relatives of any of these
individuals , as defined by HUD and Florida Statutes , shall be ineligible for program
participation unless he/ she is granted a waiver by the local government and the Florida
This prohibition against participation in the NSP
Department of Community Affairs .
shall continue for one year after an individual ' s relationship with the local government ,
sub - recipient or contract worker has terminated .
10
Only certain conflicts of interest are eligible for consideration of a waiver by the
Department of Community Affairs .
All conflicts will be addressed on a case by case basis to include consideration of
possible waiver request .
All individuals with voting or decision making responsibilities related to the local NSP
Program will be required to review a list of all potential beneficiaries and fill out
documentation listing all potential beneficiaries they are related to or have a possible
conflict of interest with . An affidavit detailing any potential conflicts of interest will be
completed by all persons involved in the program .
For a person with a potential conflict of interest to be eligible to participate in the
program, the following steps must be taken :
1 . The applicant must declare on the application form that a conflict of
interest may exist .
2 . The local government must decide whether to proceed with requesting a
waiver for the potential participant despite the conflict of interest .
3 . If the person with whom the conflict of interest exists is a voting member
of any organization participating in the NSP program , that person must
declare a conflict of interest and not vote on any items that relate directly
or indirectly to the potential participant .
4 . The local government Attorney shall prepare a written document stating
that in his or her opinion proceeding with the potential participant ' s
residence would not violate any state or local laws .
� . A written request for waiver shall be sent by the County to DCA for
review
and comment .
6 . If a waiver is obtained , the potential participant will be considered for
final approval .
S . TEMPORARY RELOCATION
Temporary Relocation assistance will be provided only to qualified families that occupy a
residential housing unit at the time of purchase of the residential housing unit with
Neighborhood Stabilization Program Funding . Additionally , said families will be
approved as an eligible recipient of an NSP funding either as a tenant in a NSP rental
property that requires rehabilitation or as a home buyer whose residence will require
some amount of rehabilitation or full replacement prior to the qualified family moving
back into the residence .
11
Based upon the extent of the rehabilitation required to bring a residence in compliance
with current code requirements or in a situation where a residential building is being
replaced , it may be necessary for all occupants of the building to relocate during the
construction phase of the project . Prior to entering into a contract for purchase or lease ,
the local government will notify all approved applicants if they must temporarily vacate
their residence to allow for the residence to be rehabilitated or replaced .
All residential structures that are vacated may not be reoccupied until a Certificate of
Occupancy has been issued by the local building department, electricity and water have
been turned on by the applicable utility departments , and all parties involved have
accepted the construction work as complete and executed documentation to that effect .
Prior to occupancy , all parties involved including , but are not limited to , the Building
Department , the NSP recipient , the sub - recipient organization and the housing
rehabilitation specialist must accept the construction work on the residential housing unit
as totally completed based upon the construction contract including any change orders .
A . Moving Expenses
This procedure will take place , if required , through one of two methods :
1 . Method One : The NSP sub - recipient may choose to place the moving and
storage of the qualifying family ' s personal belongings out for bid , with the
firm submitting the lowest acceptable bid being awarded the contract .
2 . Method Two : The NSP sub - recipient will provide the family with moving
expenses totaling three hundred dollars ( $ 300 . 00 ) . One hundred and fifty
dollars ( $ 150 . 00 ) will be provided when the family moves its belongings
from the dwelling unit to a central storage location , and one hundred fifty
dollars ( $ 150 . 00 ) will be provided when the family moves its belongings
from the central storage location back to the dwelling unit after the unit
has been rehabilitated or replaced .
The local government will receive price quotes from a minimum of three
storage facilities centrally located to the area and provide the owner with a
standard sized storage unit in the storage facility that provides the lowest
price . The family may utilize the storage unit during the period of
construction on its residential housing unit . The family is responsible for
providing its own lock and maintaining all keys to the storage unit . All
personal belongings shall be removed from the dwelling within 10 days of
receipt of written notification to vacate the dwelling from the Project
Manager . Vacating the dwelling shall include the removal of all trash and
debris from the dwelling and the surrounding property . The owner is to
remove all items from the storage unit and sweep out the storage unit
within 10 days after receipt of written notification that a " Certificate of
Completion " or " Certificate of Occupancy " for the rehabilitation or
replacement of the recipient ' s dwelling has been issued .
12
Method two provides the recipient with greater access to his belongings .
Neither the NSP recipient nor the Housing Specialist/ Consultant shall hold any liability in
loss , damage or theft of any or all personal belongings of the recipient . It is the family ' s
responsibitity to pack all belongings within 10 days of written notification to vacate the
dwelling . All trash and debris shall be removed by the family before a % Notice to
Proceed " will be issued to the rehabilitation or demolition contractor . The family is to
remove all items from and sweep out the storage facility with in 10 days after receipt of
written notification by the Housing Specialist/ Consultant of the Building Department ' s
issuance of a " Certificate of Completion" or " Certificate of Occupancy " for the
rehabilitation or replacement of the dwelling . It is the family ' s responsibility to provide
insurance for its belongings during the moving and storage phase of the project at the
family ' s own expense .
Be Temporary Relocation Allowances
Temporary relocation assistance will be provided only to families that are occupying a
residence at the time it was purchased with NSP funds .
1 . Method One : The NSP sub - recipient will offer monthly allowances of one
hundred dollars ($ 100 ) for families of one or two persons that find their
own living accommodations ( i . e . friends , private homes , other family
members , etc . ) and two hundred dollars ( $ 200 . 00 ) for families with three
or more members that find their own living accommodations . These funds
will be provided by the NSP sub - recipient to participants to offset the
increase in utilities at the temporary relocation housing unit .
2 . Method Two : If a family is unable to find temporary living
accommodations as set forth in Method One above , the NSP family will
work with the Housing Specialist/ Consultant to find acceptable vacant
housing to temporarily house the family . It is the local government ' s
responsibility , along with the NSP sub - recipient , to locate affordable
temporary relocation units . The local government will have final approval
of the temporary replacement housing accommodations selected by the
recipient . The local government utilizing proceeds from the NSP will pay
the following costs associated with the rental of the temporary relocation
housing unit :
a . The rental of the unit
b . The cost of the following utilities :
1 . Water and sewer
2 . Electricity
3 . heating fuel
4 . Garbage collection
5 . Natural Gas
13
C , Deposits for the rental unit and/ or the utilities . Any deposits that
are lost due to the actions of the family shall be the responsibility
of the family to repay to the local government .
Whether the family relocates to a private residence or has the local government provide a
temporary housing unit, the participating family will be responsible for packing and
unpacking all of its belongings .
Neither the local government nor the Housing Specialist/ Consultant will be responsible
for any items lost , stolen , or damaged during the temporary relocation process . The
family shall be encouraged to make other arrangements to secure family valuables .
In the event that a family is evicted from a temporary relocation unit due to the
behavior of one or more members of the household , the local government will not be
responsible for finding other temporary housing for members of the family ' s household
or for payment of any further costs associated with the relocation (i . e . rents , utilities ,
moving expenses ) . The only expense that will be allowed will be the cost of relocating
the family back into its residence at the completion of the rehabilitation or replacement of
the dwelling .
9 . PERMANENT RELOCATION
There will be no permanent relocation involved in the Neighborhood Stabilization Project
(NSP ) . Neither the local government nor any of its sub - recipients will purchase any
housing units with NSP fiends where those units are currently occupied by a family that
has not qualified for the NSP program and has not been approved for assistance to remain
at the location where it currently resides .
10 . LEAD BASE PAINT POISONING
IN NO INSTANCE SHALL LEAD BASED PAINT BE UTILIZED IN THE
REHABILITATION OF A STRUCTURE . If a property was constructed before 1978 ,
there is a possibility that it may contain lead - based paint . All properties built before
1978 , not being replaced , will be tested for the presence of lead - based paint . Where lead -
based paint is found , removal or abatement procedures will be included in the
rehabilitation of the housing unit . Encapsulation , where feasible , will be the preferred
method of addressing existing lead - based paint .
11 . CLOSEOUT DOCUMENTATION
The following will be provided to the Department of Community Affairs as part of the
Closeout package at the completion of the Neighborhood Stabilization Program contract :
1 . The date each property purchased was acquired .
2 . The date that the rehabilitation of each property was completed and the amount
expended on each property .
14
3 . The household composition of the beneficiary renting or purchasing each housing
unit :
a . Whether the recipient was a female head of household
b . The number of handicapped people occupying the household
c . The number of elderly people living in the household
d . The total household income and the median income category that the
recipient qualified under
e . The racial composition of the recipient household
f. The number of occupants categorized by sex
ADOPTED BY INDIAN RIVER COUNTY BOARD OF COUNTY COMMISSIONERS
THIS 17th DAY OF March 2009
BY • _
oo-
Wesley 5 . Dai s , ..,airman
lir MSTED BY :
' Jeffrey K . Barton , Cleric
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Certification of Exemption for HUD funded projects
Determination of activities listed at 24 CFR 58 . 34 ( a )
May be subject to provisions of Sec 58 . 6 , as applicable
Grant Recipient : Indian River County Contract Number : 09DB -4X - 10-40 - 01 - NS13
Project Description ( Include all activities , both number and name , and the approximate amount of funding ) :
Activity Number ( s ) : 21A Activity Name : Administration Estimated Amount : $ 318 , 296
Activity Number ( s ) : 01 Activity Name : Acquisition Estimated Amount : $ 21900 , 000
Activity Number( s ) : 14A Activity Name : Rehab . Single- Family Estimated Amount : $ 11297 , 529
Activity Number( s ) : 05 Activity Name : Public Services for Estimated Amount : $ 51000
Housing Counseling
Activity Number( s ) : 13 Activity Name : Homeownership Estimated Amount : $sss, 160 , 000
Assistance
Location ( County , Cities , Neighborhood , etc . ) : NSP Target Areas in Indian River County including the
municipalities and Census Designated Places of Fellsmere Florida Ridge Gifford Roseland , Sebastian ,
Vero Beach Vero Beach South Wabasso West Vero Corridor , and Winter Beach
Funding Source : NSP XX CDBG CDBG / Disaster Recovery Other.
I hereby certify that the abovementioned project has been reviewed and determined an Exempt
activity per 24 CFR 58 . 34 ( a ) as follows :
1 . Environmental & other studies , resource identification & the development of plans & strategies -,
2 . Information and financial services ;
X 3 . Administrative and management activities ;
4 . Public services that will not have a physical impact or result in any physical changes , including but not
X limited to services concerned with employment , crime prevention , child care , health , drug abuse , education ,
counseling , energy conservation and welfare or recreational needs ;
X 5 . Inspections and testing of properties for hazards or defects ;
X 6 . Purchase of insurance ,
7 . Purchase of tools ,
8 . Engineering or design costs ,
X 9 . Technical assistance and training ;
10 . Assistance for temporary or permanent improvements that do not alter environmental conditions and
are limited to protection , repair , or restoration activities necessary only to control or arrest the effects from
disasters or imminent threats to public safety including those resulting from physical deterioration ;
(This exemption applies only in certain circumstances; HUD has released clarification regarding the use
and applicability of this exemption . Local governments that wish to use this exemption should contact the
Department for special instructions . Documentation of Compliance with 24 CFR Part 58 . 6 required when
this exemption is used. } _
11 . Payment of principal and interest on loans made or obligations guaranteed by HUD ;
12 . Any of the categorical exclusions listed in Sec . 58 . 35 ( a ) provided that there are no circumstances that
require compliance with any other Federal laws and authorities cited in Section 58 . 5 .
(Before you can consider activities listed in Sec. 58. 35 (a) as exempt activities , you must complete the
categorical exclusion checklists and related review process . Documentation of Compliance with 24 CFR
Part 58. 6 required}
If your project falls into any of the above categories , a Request for Release of Funds and Certification
( HUD form 7015 . 15 ) is not required , and no further environmental approval by DCA will be needed by the
recipient . However , this certification must be acknowledged by DCA before funds can be expended . The
responsible entity must maintain a copy of this document as a written record of the environmental review
undertaken under this part for each project .
Page 1 of 2
By signing below the Responsible Entity certifies in writing that each activity or project is exempt and meets
the conditions specified for such exemption under section 24 CFR 58 . 34 ( a ) . Please keep a copy of this
determination in your oroject files .
Nlesley S . Davis Chairman
Responsible Entity Certifying Official Name Title ( please print )
June 9 ,2[1(19
responsible Entity &drtifying Official Signature Date
24 CFR 58 . 34 ( a ) - ERR Document
F . ACommunity Development\Users\CDBG\2008 NSP\ Environmental Reviews\NSP Certification of Exemption . doc
Page 2 of 2