10COMMUNITY LAND TRUSTS IN SOUTH FLORIDA
SOUTH FLORIDA COMMUNITY LAND TRUST NETWORK | APRIL 2016
YEARS OF
The South Florida Community Land Trust Network (SFCLTN) is a collaborative comprised of Community Land Trusts and key partner organizations operating in South Florida
SFCLTN LeadHousing Leadership Council of Palm Beach County
Community Land Trust MembersCommunity Land Trust of Palm Beach CountyDelray Beach Community Land TrustHeartfelt Florida Housing Community Land TrustSouth Florida Community Land Trust
Partner OrganizationsAdopt-A-Family of the Palm BeachesHousing PartnershipNeighborhood Renaissance
SPONSORED BY
SFCLTN PARTNER ORGANIZATIONS 20
THE COMMUNITY LAND TRUST MODEL 2
5 REASONS SOUTH FLORIDA NEEDS COMMUNITY LAND TRUSTS
4THE SOUTH FLORIDA COMMUNITY LAND TRUST NETWORK
8
COMMUNITY LAND TRUST ORGANIZATIONS IN SOUTH FLORIDA 8
COMMUNITY LAND TRUST OF PALM BEACH COUNTY 12
DELRAY BEACH COMMUNITY LAND TRUST 14
HEARTFELT FLORIDA HOUSING COMMUNITY LAND TRUST 16
SOUTH FLORIDA COMMUNITY LAND TRUST 18
HOUSING LEADERSHIP COUNCIL OF PALM BEACH COUNTY 20
ADOPT-A-FAMILY OF THE PALM BEACHES 21
NEIGHBORHOOD RENAISSANCE 21
HOUSING PARTNERSHIP 21
WHATrsquoS INSIDE
110 Years of Community Land Trusts in South Florida April 2016
THE COMMUNITY LAND TRUST (CLT) MODEL
The Community Land Trust (CLT) model is based on dual ownership The land is owned and preserved by the nonprofit and the homebuyer owns the home including the building and all of the improvements on the land This separation reduces the purchase price for buyers allowing more families to afford a home while providing the permanence and security of traditional homeownership
A ground lease between the homebuyer and land trust ensures that when the house is sold it goes to another deserving family and that the appreciation in property value is shared between the land trust and individual Through shared-appreciation CLTs allow residents to build equity while preserving affordability It also gives residents the ability to pass on the same opportunity they received to the next household and ensure that housing remains affordable for future generations
COMMUNITY LAND TRUSTS (CLT) ARE NONPROFIT ORGANIZATIONS THAT PROVIDE PERMANENTLY AFFORDABLE HOUSING
2 SOUTH FLORIDA COMMUNITY LAND TRUST NETWORK
PEOPLE CITIES COMMUNITIES
In markets that are slowly appreciating CLT properties become more affordable over time
THE CLT MODEL WORKS IN ANY MARKET AND IN ANY COMMUNITY
CLTs provide homeownership that is affordable while giving households the opportunity to build equity and wealth
CLT housing remains affordable without additional subsidy for future buyers In fact the subsidy value increases over time
CLTs can help stabilize communities increase homeownership rates and protect neighborhoods facing gentrification
THE CLT MODEL BALANCES AND SUPPORTS THE NEEDS OF PEOPLE CITIES amp COMMUNITIES
In rapidly appreciating markets the value of CLT subsidy will substantially increase over time
In stabilized communities CLTs provide access to opportunities such as jobs transit and good schools
In transitional revitalizing neighborhoods CLTs can prevent gentrification and allow families to remain in their community
In weaker markets CLTs can stabilize communities by increasing homeownership and preventing foreclosures
310 Years of Community Land Trusts in South Florida April 2016
Community Land Trusts throughout South Florida have helped people own or rent homes in more than 20 cities across Palm Beach and Broward Counties
Unit counts and data includes only units developed by the Community Land Trust of Palm Beach County Delray Beach Community Land Trust Heartfelt Florida Housing Community Land Trust and South Florida Community Land Trust
336units will be built or occupied by the end of 2016 in Broward and Palm Beach Counties
38additional units are projected to be developed by 2017
THE SOUTH FLORIDA COMMUNITY LAND TRUSTNETWORK
The South Florida Community Land Trust Network (SFCLTN) formed in 2012 about 6 years after the first CLT home was developed in the region The group came together to address collective challenges share resources and to incubate permanently affordable housing options in a time when the region was ravaged and reeling from the Great Recession
By forming this Network the organizations involved have leveraged resources to expand their collective footprints cultivate increased capacity and maximize impact The group is lead by the Housing Leadership Council of Palm Beach County and includes four CLTs and numerous partner organizations
510 Years of Community Land Trusts in South Florida April 2016
PARTNERINGWITH
CORNERSTONE HOMEOWNERSHIP
INNOVATION PROGRAM (CHIP)
While newly formed SFCLTN is already a driving force in the national landscape SFCLTN was one of only eight groups - and the only consortium - accepted into the Cornerstone Homeowner Innovation Program (CHIP) a highly competitive national grant program funded by the Social Innovation Fund and the Ford Foundation CHIP provided SFCLTN with four years of capacity building support that has had an incalculable impact in advancing the CLT Model and permanently affordable housing here in South Florida
INCREASING MUNICIPAL
SUPPORT
CLTs protect public investments by ensuring the long-term preservation of government subsidies and by maintaining the quality of housing overtime Therefore the SFCLTN works to increase municipal support for the CLT Model and subsidy preservation through education and research A recent report commissioned by SFCLTN found that If subsidies are retained through the CLT Model the local government investment will increase by 140 overtime
Rebecca Walter PhD Carla Fink PhD and Sarah Jones Graduate Assistant The University of Texas at San Antonio Subsidy Retention versus Subsidy Recapture Strengthening Partnerships between South Florida Community Land Trusts and Local Governments
SFCLTN ACCOMPLISHMENTS
ldquoThe SFCLTN got started because we recognized that we could do so much more together Each organization serves its own geographic area and our program
services vary to some degree but at the beginning and at the end of the day we all provide very affordable housing to low and moderate income householdsrdquo
- Evelyn Dobson Delray Beach Community Land Trust
6 SOUTH FLORIDA COMMUNITY LAND TRUST NETWORK
GETTING THE WORD OUT
CLTs are a proven model for protecting affordability and have been employed over 250 communities across the county However the model is still relatively new in South Florida with the first CLTs forming 10 years ago To get the word out SFCLTN organizations delved into a CLT educational series targeting specific groups including real estate agents homebuyer counsellors and local government groups The goal was to educate stakeholders on the model and identify opportunities to partner Since forming the coalition has been featured at numerous local state and national conferences including at the 2014 FDIC Roundtable and the 27th Annual Statewide Florida Housing Conference The SFCLTN also produced a high quality video titled ldquoCommunity Land Trusts Where Home Isrdquo to highlight how residents have been impacted and share the importance and need for the CLT model in South Florida
EDUCATING PROSPECTIVE
BUYERS
Itrsquos important for prospective buyers to be well informed on the CLT model To that end SFCLTN members developed a Regional CLT Homebuyer Guide available in English Spanish and Creole In addition the group partnered with MBS Consulting Services to develop a stand-alone training module for all housing counselling agencies This CLT curriculum is now included in most local first-time homebuyer workshops
LENDING FOR CLTS
CLT loans are proven to be less risky than traditional financing However after the housing bubble burst many local lenders were lost and others became incredibly risk-averse One of the biggest achievements of the SFCLTN was bringing lenders back to the table with the assistance of the National CLT Network Florida Community Land Trust Institute and MBS Consulting Services This group hosted a lending forum and by the end of that day had two committed lenders Now we have seven active and ten approved lenders who are committed to the process Based on this huge success similar CLT lending forums have been replicated throughout the state and nation
710 Years of Community Land Trusts in South Florida April 2016
5REASONS SOUTH FLORIDA NEEDS COMMUNITY LAND TRUSTS
Housing is the single largest expense a household faces To understand the full picture of housing affordability measuring the share of a householdrsquos income spent on housing is more telling than simply comparing expenses Households spending more than 30 of their income on housing costs are considered housing cost-burdened those spending more that 50 are severely cost-burdened
By these measures 47 of households in the tri-county region are housing cost-burdened and over half of those households are severely cost-burdened ndash the highest percentage in the country This gap between income and the cost of housing continues to widen in South Florida
The result is a region where nearly half of all households struggle to maintain stable housing often foregoing other essentials including healthy food education or healthcare Community Land Trusts provide a long-term solution to bridge the gap between what households can afford and what the market provides
2015 State of the Nationrsquos Housing by the Joint Center for Housing Studies of Harvard University
01 ADDRESSING HIGH HOUSING COST
8 SOUTH FLORIDA COMMUNITY LAND TRUST NETWORK
65 decline in homeownership since 2006
A telling indicator of the state of our regionrsquos housing is the steep drop in homeownership While all but one metropolitan market experienced declines in homeownership between 2006 and 2013 South Florida had the sixth highest decline in the nation by 65 Some of this is undoubtedly related to the housing boom and bust stricter lending standards and generational choices Itrsquos also attributable to the fact that many are struggling to save for a down payment due to overwhelming rental costs and debt
Decreased opportunities for homeownership has negative impacts on economic outcomes particularly wealth accumulation Community Land Trusts can provide a stepping stool to get people out of renting and into homeownership Through a shared-equity model CLT homeowners are building wealth
2015 State of the Nationrsquos Housing by the Joint Center for Housing Studies of Harvard University
02 INCREASING HOMEOWNERSHIP OPPORTUNITIES
03 LINKING HOUSING AND TRANSIT
South Florida is quickly expanding its transportation infrastructure to improve mobility and connectivity in South Florida There is an opportunity to link those positive changes to increased access to housing that is affordable The time to make that link is now
Beyond housing the second highest cost a family faces is transportation In South Florida the combined burden of housing and transportation costs for moderate-income renters and homeowners is the highest in the country eating up an average of 72 cents of each dollar earned
CLTs can and should play a critical role in ensuring that housing near transportation options in South Florida remains accessible to mixed-income households now and into the future
ldquoLosing Ground The Struggle of Moderate-Income Households to Afford the Rising Costs of Housing and Transportationrdquo Center for Housing Policy amp Center for Neighborhood Technology
910 Years of Community Land Trusts in South Florida April 2016
In most affordable homeownership programs public investments or subsidies are given in the form of down-payment assistance that is eventually forgiven or ldquorecapturedrdquo when the benefiting homeowner sells the home However in a housing market like South Floridarsquos where housing appreciates more quickly than incomes rise the amount of subsidy needed for subsequent homeowners will be greater than the amount recaptured Thus the value of recaptured subsidies diminishes over time fewer homeowners can be assisted and the affordability of homes is lost
CLTs on the other hand function to protect both affordability and public investments by recycling the subsidy from one buyer to the next generation after generation forever Particularly in a time when funding for housing is diminishing and demand is growing ensuring public investments have a sustained impact like this is critical
04 PRESERVING PUBLIC INVESTMENTS
$$$
TIME
COST OF MARKET RATE HOUSINGSubsidy retained with the
property COST OF CLT HOUSING
INCOME
CLTs function to protect both affordability amp public investments by recycling the subsidy from one buyer to the next generation after generation forever
10 SOUTH FLORIDA COMMUNITY LAND TRUST NETWORK
05 ADDING ECONOMIC VALUE
Developing affordable housing builds more than just homes ndash itrsquos a proven economic driver that increases spending and employment in the surrounding economy Moreover without an adequate supply of affordable housing employers ndash and entire regional job markets ndash are disadvantaged due to their inability to attract and retain workers Affordable housing also improves educational outcomes by allowing families access to high performing schools and reducing unwanted moves
Affordable housing not only builds the economy but is also a stabilizing force A national survey finds that CLT homeowners are eight times less likely to be in the process of foreclosure than owners of market-rate homes The lower incidence of foreclosure among CLT homes in turn represents significant direct and indirect cost savings for municipalities in avoiding potential foreclosures
Thaden Emily 2010 June 7 Outperforming the Market Making Sense of the Low Rates of Delinquencies and Foreclosures in Community Land Trusts Nashville TN Peabody College Vanderbilt University
ldquoThe fact that the land is not counted in the price of the home in and of itself immediately establishes CLT homes as attainable In addition the fact that CLTs continues to support homeowners after homes are purchased is to me one of the strongest yet least visible pillars of the modelrdquo
- Marcia Barry-Smith MBS Consulting Services amp H2H Founder
1110 Years of Community Land Trusts in South Florida April 2016
INCREASING THE PERMANENT SUPPLY OF AFFORDABLE HOUSING IN PALM BEACH COUNTY THROUGHbull Land acquisition housing development preservation
bull Create a permanent supply of both rental and homeownership opportunities
bull Develop the community land trust model as an effective tool in meeting the long term affordable housing needs of Palm Beach County residents
bull Create vibrant mixed-income communities
bull Undertake a client focused approach to community development
bull Create sustainable communities
bull Collaborate
CLT OF PALM BEACH COUNTY
12 SOUTH FLORIDA COMMUNITY LAND TRUST NETWORK
4938 Davis Road Lake Worth561-318-8442wwwcltofpbcorg
BOARD OF DIRECTORSHAZEL LUCAS ESQPRESIDENT
TIMOTHY WHEAT VICE PRESIDENT
ANDREW ZEEMANTREASURER
ANGELA USHERSECRETARY
DOROTHY ELLINGTON
TANGENICA HENRY
VICE MAYOR SCOTT MAXWELL
TAMMY MCDONALD ANDERSON
SEMENTHA SANTANGELO
MAYOR SHANIQUE SCOTT
SHEMERRIA BURGESS
RANDY WERTEPNY
STAFFCINDEE LACOURSE-BLUMEXECUTIVE DIRECTOR
TANYA WARD BENGAMINHOUSING MANAGER
One defining feature in the idea of community is that its members affect each otherrsquos quality of life Nowhere is this demonstrated better and in a more positive manner than by the Community Land Trust of Palm Beach County (CLT of PBC) This countywide nonprofit organizationrsquos aim is to provide permanently affordable housing opportunities for its residents
ldquoIn general the understanding that humans need homes to both survive and thrive motivates me to work in affordable housingrdquo Cindee LaCourse-Blum Executive Director explained Clearly there is a desperate need High housing costs and slow wage growth have made the area unaffordable for many
The CLT of PBC was initiated in 2006 by Palm Beach County but rapidly became a community project with a wide range of founding members including Gold Coast Builders Association Palm Beach County League of Cities Business Development Board Business Forum of Palm Beach County Florida Rural Legal Services Community Financing Consortium Adopt-A-Family of the Palm Beaches Inc South Florida LISC We Help Community Development Inc Fair Housing Center of the Greater Palm Beaches Urban League of Palm Beach County Housing Partnership North Palm Beach Chamber of Commerce and the School District of Palm Beach County
These groups pulled together with the goal of creating vibrant mixed-income sustainable communities with a permanent supply of both rental and homeownership opportunities
Now with 108 total units throughout central Palm Beach County the dream is coming to fruition Itrsquos easy to see that the CLT of PBC serves as a successful model for demonstrating the power of a community and its ability do great things
+3380 28Rental Units
CLT Owner Units
Units by 2017
1310 Years of Community Land Trusts in South Florida April 2016
Love what you do and you will never work a day in your life Itrsquos a common quote not often practiced by many However Evelyn Dobson Executive Director of Delray Beach Community Land Trust (DBCLT) and Gary Eliopoulos Chairman of the Board seem to live by this motto
ldquoI feel like I finally found my niche in what I do because I know what it feels like to dream of becoming a homeowner and at times feeling that it may never happenrdquo said Evelyn Dobson when describing her job ldquoTo see the smile on the homeowners face when they get the keys to their home is the most rewarding feelingrdquo
Gary shares the same sentiment describing that the DBCLT was the perfect fit for him Itrsquos a feeling that kept their door open despite difficult times
The organization was formed in 2006 During the Great Recession DBCLT operated with a limited staff worked tirelessly with lending institutes and refused to give up ldquoTo be able to say that we are still operating after the Great Recession is our organizations greatest accomplishmentrdquo said Gary Eliopoulos
ldquoWe sustained the housing program services provided by the organization and that is of most importancerdquo
Fast-forward ten years and the team has served more than 500 households and currently stewards and manages 107 units including single-family homes townhomes and rentals However Evelyn and Gary refuse to stop there
DELRAY BEACH CLT
FOSTERING HEALTHY COMMUNITIES THROUGH THE CREATION STABILIZATION AND PRESERVATION OF QUALITY LONG-TERM AFFORDABLE HOUSING
14 SOUTH FLORIDA COMMUNITY LAND TRUST NETWORK
145 SW 12th Avenue Delray Beach561-243-7500 wwwdelraylandtrustorg
BOARD OF DIRECTORSGARY P ELIOPOULOSPRESIDENT
KIMBERLY CAMEJOVICE PRESIDENT
DYSONYA MITCHELLTREASURER
MORRIE WEINMANSECRETARY
ARTHUR BROWN
POLK COTTON
CHERYL HAYWOOD
VICKI HILL
ANTHONY HOLLIDAY JR
ELTON MCGOWAN JR
KIMBERLY MORRIS
PATRICIA WRIGHT
STAFF
EVELYN DOBSONEXECUTIVE DIRECTOR
GERECIA JACKSON EDMONDHOUSING MANAGER
AHMED BURTONHOUSING COORDINATOR
+1243 64Rental Units
CLT Owner Units
Units by 2017
The DBCLT Atlantic Park Square Project along SW 14th Avenue will consist of 22 single family homes upon completion with three to four bedrooms rear-and-side loaded garages and large elevated porches Of the 22 planned 21 have been completed and sold with one lot remaining It is a true example of how the DBCLT City of Delray Beach and Delray Beach CRA can partner to create something spectacular
ldquoWe continue to work together The organization is accountable the dedication is there and we have made affordable housing a reality for very-low- to moderate-income householdsrdquo said Dobson As housing prices increase Evelyn and Gary look forward to a very bright future The CLT model is working thanks to the hard work and dedication of the team and partners
1510 Years of Community Land Trusts in South Florida April 2016
HEARTFELT FLORIDA HOUSING CLTDEVELOPING THRIVING STABLE COMMUNITIES THROUGH THE ACQUISITION OF LAND amp THE CREATION amp STEWARDSHIP OF PERMANENTLY AFFORDABLE HOUSING FOR LOW- TO MODERATE-INCOME INDIVIDUALS
Ocean Breeze West sounds like a tropical paradise and for the residents there it is The development is constructed on a 45 acre site which was destroyed by the hurricanes of 2004 and now has 21 new single-family homes located in the heart of Boynton It is the first Heartfelt Florida Housing Community Land Trust (HFHCLT) mixed-income development aimed at an innovative socially responsible and sustainable solutions to the lack of affordable housing opportunities in South Palm Beach
After 25 years of serving South Palm Beach the local affiliate of Habitat for Humanity decided to utilize the community land trust model and the nonprofit Heartfelt Florida Housing Community Land Trust (HFHCLT) was founded in 2010
Mike Williams Associate Executive Director at Habitat for Humanity of South Palm Beach County shared his vision when he stated ldquoThe impact of having a decent place to live especially for kids who do so much better
16 SOUTH FLORIDA COMMUNITY LAND TRUST NETWORK
181 SE 5th Avenue Delray Beach561-819-6070wwwheartfeltcltorg
BOARD OF DIRECTORS
JEREMY AHWEE PRESIDENT
MIKE CAMPBELLSECRETARY
PAMELA OWENS TREASURER
WANESTA BUSH MEMBER
DIANA HILLMAN MEMBER
ROJUANA MOSSMEMBER
MIKE OWEN MEMBER
STAFFDONNA WALDRONEXECUTIVE DIRECTOR
when they have a place to study and thrive and the parents themselves who donrsquot have to worry about a landlord or where they will live next month and being able to address that is the greatest motivationrdquo
The focus of the land trust is to make these homes permanently affordable The homeowners are granted a long-term ground lease with their home purchase and can stay there for its duration If they choose to sell a formula is used to allow a limited but fair return to the seller while keeping the structure affordable for the next buyer ensuring perpetual affordability
In addition to the goal of perpetual affordability Heartfelt works with its present and future residents to safeguard the homes and maintain the security of its occupants Ocean Breeze West brings new hope to the entire community It provides an opportunity for working families to return to a neighborhood that lost residents when the former buildings were rendered uninhabitable
Yet HFHCLT isnrsquot satisfied that enough has been done They are committed to the expansion of their acquisition and development program According to Mike HFHCLT is working with the City of Delray in looking at a couple of areas to do bigger developments
HFHCLT is paving the way to preserving the quality affordability and economic diversity of housing for residents of South Palm Beach County Florida
27CLT Owner Units
+18Units by 2017
1710 Years of Community Land Trusts in South Florida April 2016
SOUTH FLORIDA CLTPROVIDING AND PRESERVING QUALITY SUSTAINABLE AFFORDABLE HOUSING FOR UNDERSERVED POPULATIONS IN SOUTH FLORIDA When driving through the quiet neighborhoods of South Florida you notice houses transformed into homes with families making memories inside But what you donrsquot notice is the history as to how these families got there Behind that brick and concrete is something even stronger Perseverance
It is this adjective that weaves throughout the South Florida Community Land Trust (SFCLT) foundation SFCLT has assisted over 100 individuals to find a home But achieving this goal wasnrsquot always easy
ldquoOur first project was the most challengingrdquo said Mandy Bartle SFCLT Executive Director ldquoWe bought an apartment building in a nice wealthy community There was a lot of resistance from the neighbors and commissioners for developing affordable housing in the neighborhood After we
remodeled the apartments we them showed how beautiful it was and started getting calls from the community about moving in We were able to change perceptions about what affordable housing doesrdquo
Through hard work and perseverance Mandy and her team grew the South Florida Community Land Trust into what it is today
South Florida Community Land Trust is a nonprofit corporation that develops and preserves affordable housing in South Florida It is one of the few organizations in South Florida that is focused on creating a permanent source of affordable housing to help both current and future homeowners They work to help South Florida residents afford a home without compromising on safety or quality
1007 N Federal HWY 2999547691731wwwsouthfloridacltorg
BOARD OF DIRECTORS
GIOVANNI MOSSPRESIDENT
MARCIE OPPENHEIMER NOLANVICE PRESIDENT
JERRY HENISERTREASURER
SANDRA EINHORNSECRETARY
MARCIA BARRY-SMITH
MONICA NAVARRO
STEVE WERTHMAN
STAFFMANDY SPANGLER BARTLEEXECUTIVE DIRECTOR
MATT WEISSPROPERTY MANAGER
ANNA MCMASTERPROGRAM MANAGER
+15
SFCLT was formed in 2006 a time plagued with high unemployment rates and banks hesitant to loan Yet the team persevered They were able to advocate to the banks to offer loans to their homeowners
The future is very bright for SFCLT They have plans to expand to Miami Florida within two years Despite the various challenges SFCLT knows they need to be there
ldquoNumerous reports have cited the need as it is one of few major metropolitan areas in the country without a CLT We are one of a number of groups trying to change thatrdquo said Bartle ldquoThere are CLTrsquos in Monroe Palm Beach and Broward Counties and Miami is one of the most expensive markets- thatrsquos why the need is so greatrdquo
South Florida Community Land Trust will continue to make a difference in the lives of South Florida residents and hopefully one day the residents of Miami-Dade County
46 8Rental Units
CLT Owner Units
Units by 2017
1910 Years of Community Land Trusts in South Florida April 2016
HOUSING LEADERSHIP COUNCIL OF PALM BEACH COUNTY
SFCLTN PARTNER ORGANIZATIONS
It can be easy to take advantage of a warm bed shelter during a storm a place to call home These are things we have been given since we could remember However it is the team at the Housing Leadership Council of Palm Beach County (HLCPBC) that remind us that lifersquos ldquosimplicitiesrdquo are actually quite difficult to obtain
In July 2006 the Workforce Housing Needs Assessment released a shocking report on the depth and severity of the housing market in Palm Beach County They found approximately 60 percent of Palm Beach County residents earn less than 50 percent of the area median income With such high numbers many low to mid-size earners were struggling financially to obtain or keep their homes
The report called for each county and municipality to develop a comprehensive housing policy that addresses the urgent need of expanding and preserving the inventory of affordable housing Immediately the Housing Leadership of Palm Beach County was born with a mission that housing is attainable for the workforce at all income levels through education advocacy and facilitating collaboration
Ten years later the organization continues thrive off that mission Since 2007 the Housing Leadership Council has been working on important collaborative efforts that ensure we address the current issues of stabilizing neighborhoods and making sure we have an adequate supply of workforce housing in our community
They remind us each day that we all need a place to call home
wwwhlcpbcorg
20 SOUTH FLORIDA COMMUNITY LAND TRUST NETWORK
ADOPT-A-FAMILY OF THE PALM BEACHES
HOUSING PARTNERSHIP
NEIGHBORHOOD RENAISSANCE
Research | Design | Programming
wwwadoptafamilypbcorg
Adopt-A-Family is a 501c3 nonprofit charitable organization dedicated to strengthening families with children in their efforts to achieve stability and self-sufficiency by providing access to all-encompassing services
wwwneighborhoodrenaissanceorg
Neighborhood Renaissance Inc is a nonprofit community based organization dedicated to building and supporting strong economies and diverse communities in Palm Beach County They do so by creating workforce housing opportunities jobs and small business prospects for low and moderate income persons
9 CLT HOMEOWNERSHIP UNITS45 PERMANENTLY AFFORDABLE RENTAL UNITS
wwwcp-ctoorghousing-partnership
Housing Partnership Inc a member of Community Partners began in 1986 and has come to believe that finding impactful solutions to complex community issues requires an approach that is both holistic and focused In all that they do they strive to work with the person in the context of their family and with the family in the context of their community
1 CLT HOMEOWNERSHIP UNIT9 PERMANENTLY AFFORDABLE RENTAL UNITS
2110 Years of Community Land Trusts in South Florida April 2016
The South Florida Community Land Trust Network (SFCLTN) is a collaborative comprised of Community Land Trusts and key partner organizations operating in South Florida
SFCLTN LeadHousing Leadership Council of Palm Beach County | wwwhlcpbcorg
Community Land Trust MembersCommunity Land Trust of Palm Beach County |wwwcltofpbcorgDelray Beach Community Land Trust | wwwdelraylandtrustorgHeartfelt Florida Housing Community Land Trust | wwwheartfeltcltorgSouth Florida Community Land Trust | wwwsouthfloridacltorg
Partner OrganizationsAdopt-A-Family of the Palm Beaches | wwwadoptafamilypbcorgHousing Partnership | wwwcp-ctoorghousing-partnershipNeighborhood Renaissance | wwwneighborhoodrenaissanceorg
THE SOUTH FLORIDA COMMUNITY LAND TRUSTNETWORK
The South Florida Community Land Trust Network (SFCLTN) is a collaborative comprised of Community Land Trusts and key partner organizations operating in South Florida
SFCLTN LeadHousing Leadership Council of Palm Beach County
Community Land Trust MembersCommunity Land Trust of Palm Beach CountyDelray Beach Community Land TrustHeartfelt Florida Housing Community Land TrustSouth Florida Community Land Trust
Partner OrganizationsAdopt-A-Family of the Palm BeachesHousing PartnershipNeighborhood Renaissance
SPONSORED BY
SFCLTN PARTNER ORGANIZATIONS 20
THE COMMUNITY LAND TRUST MODEL 2
5 REASONS SOUTH FLORIDA NEEDS COMMUNITY LAND TRUSTS
4THE SOUTH FLORIDA COMMUNITY LAND TRUST NETWORK
8
COMMUNITY LAND TRUST ORGANIZATIONS IN SOUTH FLORIDA 8
COMMUNITY LAND TRUST OF PALM BEACH COUNTY 12
DELRAY BEACH COMMUNITY LAND TRUST 14
HEARTFELT FLORIDA HOUSING COMMUNITY LAND TRUST 16
SOUTH FLORIDA COMMUNITY LAND TRUST 18
HOUSING LEADERSHIP COUNCIL OF PALM BEACH COUNTY 20
ADOPT-A-FAMILY OF THE PALM BEACHES 21
NEIGHBORHOOD RENAISSANCE 21
HOUSING PARTNERSHIP 21
WHATrsquoS INSIDE
110 Years of Community Land Trusts in South Florida April 2016
THE COMMUNITY LAND TRUST (CLT) MODEL
The Community Land Trust (CLT) model is based on dual ownership The land is owned and preserved by the nonprofit and the homebuyer owns the home including the building and all of the improvements on the land This separation reduces the purchase price for buyers allowing more families to afford a home while providing the permanence and security of traditional homeownership
A ground lease between the homebuyer and land trust ensures that when the house is sold it goes to another deserving family and that the appreciation in property value is shared between the land trust and individual Through shared-appreciation CLTs allow residents to build equity while preserving affordability It also gives residents the ability to pass on the same opportunity they received to the next household and ensure that housing remains affordable for future generations
COMMUNITY LAND TRUSTS (CLT) ARE NONPROFIT ORGANIZATIONS THAT PROVIDE PERMANENTLY AFFORDABLE HOUSING
2 SOUTH FLORIDA COMMUNITY LAND TRUST NETWORK
PEOPLE CITIES COMMUNITIES
In markets that are slowly appreciating CLT properties become more affordable over time
THE CLT MODEL WORKS IN ANY MARKET AND IN ANY COMMUNITY
CLTs provide homeownership that is affordable while giving households the opportunity to build equity and wealth
CLT housing remains affordable without additional subsidy for future buyers In fact the subsidy value increases over time
CLTs can help stabilize communities increase homeownership rates and protect neighborhoods facing gentrification
THE CLT MODEL BALANCES AND SUPPORTS THE NEEDS OF PEOPLE CITIES amp COMMUNITIES
In rapidly appreciating markets the value of CLT subsidy will substantially increase over time
In stabilized communities CLTs provide access to opportunities such as jobs transit and good schools
In transitional revitalizing neighborhoods CLTs can prevent gentrification and allow families to remain in their community
In weaker markets CLTs can stabilize communities by increasing homeownership and preventing foreclosures
310 Years of Community Land Trusts in South Florida April 2016
Community Land Trusts throughout South Florida have helped people own or rent homes in more than 20 cities across Palm Beach and Broward Counties
Unit counts and data includes only units developed by the Community Land Trust of Palm Beach County Delray Beach Community Land Trust Heartfelt Florida Housing Community Land Trust and South Florida Community Land Trust
336units will be built or occupied by the end of 2016 in Broward and Palm Beach Counties
38additional units are projected to be developed by 2017
THE SOUTH FLORIDA COMMUNITY LAND TRUSTNETWORK
The South Florida Community Land Trust Network (SFCLTN) formed in 2012 about 6 years after the first CLT home was developed in the region The group came together to address collective challenges share resources and to incubate permanently affordable housing options in a time when the region was ravaged and reeling from the Great Recession
By forming this Network the organizations involved have leveraged resources to expand their collective footprints cultivate increased capacity and maximize impact The group is lead by the Housing Leadership Council of Palm Beach County and includes four CLTs and numerous partner organizations
510 Years of Community Land Trusts in South Florida April 2016
PARTNERINGWITH
CORNERSTONE HOMEOWNERSHIP
INNOVATION PROGRAM (CHIP)
While newly formed SFCLTN is already a driving force in the national landscape SFCLTN was one of only eight groups - and the only consortium - accepted into the Cornerstone Homeowner Innovation Program (CHIP) a highly competitive national grant program funded by the Social Innovation Fund and the Ford Foundation CHIP provided SFCLTN with four years of capacity building support that has had an incalculable impact in advancing the CLT Model and permanently affordable housing here in South Florida
INCREASING MUNICIPAL
SUPPORT
CLTs protect public investments by ensuring the long-term preservation of government subsidies and by maintaining the quality of housing overtime Therefore the SFCLTN works to increase municipal support for the CLT Model and subsidy preservation through education and research A recent report commissioned by SFCLTN found that If subsidies are retained through the CLT Model the local government investment will increase by 140 overtime
Rebecca Walter PhD Carla Fink PhD and Sarah Jones Graduate Assistant The University of Texas at San Antonio Subsidy Retention versus Subsidy Recapture Strengthening Partnerships between South Florida Community Land Trusts and Local Governments
SFCLTN ACCOMPLISHMENTS
ldquoThe SFCLTN got started because we recognized that we could do so much more together Each organization serves its own geographic area and our program
services vary to some degree but at the beginning and at the end of the day we all provide very affordable housing to low and moderate income householdsrdquo
- Evelyn Dobson Delray Beach Community Land Trust
6 SOUTH FLORIDA COMMUNITY LAND TRUST NETWORK
GETTING THE WORD OUT
CLTs are a proven model for protecting affordability and have been employed over 250 communities across the county However the model is still relatively new in South Florida with the first CLTs forming 10 years ago To get the word out SFCLTN organizations delved into a CLT educational series targeting specific groups including real estate agents homebuyer counsellors and local government groups The goal was to educate stakeholders on the model and identify opportunities to partner Since forming the coalition has been featured at numerous local state and national conferences including at the 2014 FDIC Roundtable and the 27th Annual Statewide Florida Housing Conference The SFCLTN also produced a high quality video titled ldquoCommunity Land Trusts Where Home Isrdquo to highlight how residents have been impacted and share the importance and need for the CLT model in South Florida
EDUCATING PROSPECTIVE
BUYERS
Itrsquos important for prospective buyers to be well informed on the CLT model To that end SFCLTN members developed a Regional CLT Homebuyer Guide available in English Spanish and Creole In addition the group partnered with MBS Consulting Services to develop a stand-alone training module for all housing counselling agencies This CLT curriculum is now included in most local first-time homebuyer workshops
LENDING FOR CLTS
CLT loans are proven to be less risky than traditional financing However after the housing bubble burst many local lenders were lost and others became incredibly risk-averse One of the biggest achievements of the SFCLTN was bringing lenders back to the table with the assistance of the National CLT Network Florida Community Land Trust Institute and MBS Consulting Services This group hosted a lending forum and by the end of that day had two committed lenders Now we have seven active and ten approved lenders who are committed to the process Based on this huge success similar CLT lending forums have been replicated throughout the state and nation
710 Years of Community Land Trusts in South Florida April 2016
5REASONS SOUTH FLORIDA NEEDS COMMUNITY LAND TRUSTS
Housing is the single largest expense a household faces To understand the full picture of housing affordability measuring the share of a householdrsquos income spent on housing is more telling than simply comparing expenses Households spending more than 30 of their income on housing costs are considered housing cost-burdened those spending more that 50 are severely cost-burdened
By these measures 47 of households in the tri-county region are housing cost-burdened and over half of those households are severely cost-burdened ndash the highest percentage in the country This gap between income and the cost of housing continues to widen in South Florida
The result is a region where nearly half of all households struggle to maintain stable housing often foregoing other essentials including healthy food education or healthcare Community Land Trusts provide a long-term solution to bridge the gap between what households can afford and what the market provides
2015 State of the Nationrsquos Housing by the Joint Center for Housing Studies of Harvard University
01 ADDRESSING HIGH HOUSING COST
8 SOUTH FLORIDA COMMUNITY LAND TRUST NETWORK
65 decline in homeownership since 2006
A telling indicator of the state of our regionrsquos housing is the steep drop in homeownership While all but one metropolitan market experienced declines in homeownership between 2006 and 2013 South Florida had the sixth highest decline in the nation by 65 Some of this is undoubtedly related to the housing boom and bust stricter lending standards and generational choices Itrsquos also attributable to the fact that many are struggling to save for a down payment due to overwhelming rental costs and debt
Decreased opportunities for homeownership has negative impacts on economic outcomes particularly wealth accumulation Community Land Trusts can provide a stepping stool to get people out of renting and into homeownership Through a shared-equity model CLT homeowners are building wealth
2015 State of the Nationrsquos Housing by the Joint Center for Housing Studies of Harvard University
02 INCREASING HOMEOWNERSHIP OPPORTUNITIES
03 LINKING HOUSING AND TRANSIT
South Florida is quickly expanding its transportation infrastructure to improve mobility and connectivity in South Florida There is an opportunity to link those positive changes to increased access to housing that is affordable The time to make that link is now
Beyond housing the second highest cost a family faces is transportation In South Florida the combined burden of housing and transportation costs for moderate-income renters and homeowners is the highest in the country eating up an average of 72 cents of each dollar earned
CLTs can and should play a critical role in ensuring that housing near transportation options in South Florida remains accessible to mixed-income households now and into the future
ldquoLosing Ground The Struggle of Moderate-Income Households to Afford the Rising Costs of Housing and Transportationrdquo Center for Housing Policy amp Center for Neighborhood Technology
910 Years of Community Land Trusts in South Florida April 2016
In most affordable homeownership programs public investments or subsidies are given in the form of down-payment assistance that is eventually forgiven or ldquorecapturedrdquo when the benefiting homeowner sells the home However in a housing market like South Floridarsquos where housing appreciates more quickly than incomes rise the amount of subsidy needed for subsequent homeowners will be greater than the amount recaptured Thus the value of recaptured subsidies diminishes over time fewer homeowners can be assisted and the affordability of homes is lost
CLTs on the other hand function to protect both affordability and public investments by recycling the subsidy from one buyer to the next generation after generation forever Particularly in a time when funding for housing is diminishing and demand is growing ensuring public investments have a sustained impact like this is critical
04 PRESERVING PUBLIC INVESTMENTS
$$$
TIME
COST OF MARKET RATE HOUSINGSubsidy retained with the
property COST OF CLT HOUSING
INCOME
CLTs function to protect both affordability amp public investments by recycling the subsidy from one buyer to the next generation after generation forever
10 SOUTH FLORIDA COMMUNITY LAND TRUST NETWORK
05 ADDING ECONOMIC VALUE
Developing affordable housing builds more than just homes ndash itrsquos a proven economic driver that increases spending and employment in the surrounding economy Moreover without an adequate supply of affordable housing employers ndash and entire regional job markets ndash are disadvantaged due to their inability to attract and retain workers Affordable housing also improves educational outcomes by allowing families access to high performing schools and reducing unwanted moves
Affordable housing not only builds the economy but is also a stabilizing force A national survey finds that CLT homeowners are eight times less likely to be in the process of foreclosure than owners of market-rate homes The lower incidence of foreclosure among CLT homes in turn represents significant direct and indirect cost savings for municipalities in avoiding potential foreclosures
Thaden Emily 2010 June 7 Outperforming the Market Making Sense of the Low Rates of Delinquencies and Foreclosures in Community Land Trusts Nashville TN Peabody College Vanderbilt University
ldquoThe fact that the land is not counted in the price of the home in and of itself immediately establishes CLT homes as attainable In addition the fact that CLTs continues to support homeowners after homes are purchased is to me one of the strongest yet least visible pillars of the modelrdquo
- Marcia Barry-Smith MBS Consulting Services amp H2H Founder
1110 Years of Community Land Trusts in South Florida April 2016
INCREASING THE PERMANENT SUPPLY OF AFFORDABLE HOUSING IN PALM BEACH COUNTY THROUGHbull Land acquisition housing development preservation
bull Create a permanent supply of both rental and homeownership opportunities
bull Develop the community land trust model as an effective tool in meeting the long term affordable housing needs of Palm Beach County residents
bull Create vibrant mixed-income communities
bull Undertake a client focused approach to community development
bull Create sustainable communities
bull Collaborate
CLT OF PALM BEACH COUNTY
12 SOUTH FLORIDA COMMUNITY LAND TRUST NETWORK
4938 Davis Road Lake Worth561-318-8442wwwcltofpbcorg
BOARD OF DIRECTORSHAZEL LUCAS ESQPRESIDENT
TIMOTHY WHEAT VICE PRESIDENT
ANDREW ZEEMANTREASURER
ANGELA USHERSECRETARY
DOROTHY ELLINGTON
TANGENICA HENRY
VICE MAYOR SCOTT MAXWELL
TAMMY MCDONALD ANDERSON
SEMENTHA SANTANGELO
MAYOR SHANIQUE SCOTT
SHEMERRIA BURGESS
RANDY WERTEPNY
STAFFCINDEE LACOURSE-BLUMEXECUTIVE DIRECTOR
TANYA WARD BENGAMINHOUSING MANAGER
One defining feature in the idea of community is that its members affect each otherrsquos quality of life Nowhere is this demonstrated better and in a more positive manner than by the Community Land Trust of Palm Beach County (CLT of PBC) This countywide nonprofit organizationrsquos aim is to provide permanently affordable housing opportunities for its residents
ldquoIn general the understanding that humans need homes to both survive and thrive motivates me to work in affordable housingrdquo Cindee LaCourse-Blum Executive Director explained Clearly there is a desperate need High housing costs and slow wage growth have made the area unaffordable for many
The CLT of PBC was initiated in 2006 by Palm Beach County but rapidly became a community project with a wide range of founding members including Gold Coast Builders Association Palm Beach County League of Cities Business Development Board Business Forum of Palm Beach County Florida Rural Legal Services Community Financing Consortium Adopt-A-Family of the Palm Beaches Inc South Florida LISC We Help Community Development Inc Fair Housing Center of the Greater Palm Beaches Urban League of Palm Beach County Housing Partnership North Palm Beach Chamber of Commerce and the School District of Palm Beach County
These groups pulled together with the goal of creating vibrant mixed-income sustainable communities with a permanent supply of both rental and homeownership opportunities
Now with 108 total units throughout central Palm Beach County the dream is coming to fruition Itrsquos easy to see that the CLT of PBC serves as a successful model for demonstrating the power of a community and its ability do great things
+3380 28Rental Units
CLT Owner Units
Units by 2017
1310 Years of Community Land Trusts in South Florida April 2016
Love what you do and you will never work a day in your life Itrsquos a common quote not often practiced by many However Evelyn Dobson Executive Director of Delray Beach Community Land Trust (DBCLT) and Gary Eliopoulos Chairman of the Board seem to live by this motto
ldquoI feel like I finally found my niche in what I do because I know what it feels like to dream of becoming a homeowner and at times feeling that it may never happenrdquo said Evelyn Dobson when describing her job ldquoTo see the smile on the homeowners face when they get the keys to their home is the most rewarding feelingrdquo
Gary shares the same sentiment describing that the DBCLT was the perfect fit for him Itrsquos a feeling that kept their door open despite difficult times
The organization was formed in 2006 During the Great Recession DBCLT operated with a limited staff worked tirelessly with lending institutes and refused to give up ldquoTo be able to say that we are still operating after the Great Recession is our organizations greatest accomplishmentrdquo said Gary Eliopoulos
ldquoWe sustained the housing program services provided by the organization and that is of most importancerdquo
Fast-forward ten years and the team has served more than 500 households and currently stewards and manages 107 units including single-family homes townhomes and rentals However Evelyn and Gary refuse to stop there
DELRAY BEACH CLT
FOSTERING HEALTHY COMMUNITIES THROUGH THE CREATION STABILIZATION AND PRESERVATION OF QUALITY LONG-TERM AFFORDABLE HOUSING
14 SOUTH FLORIDA COMMUNITY LAND TRUST NETWORK
145 SW 12th Avenue Delray Beach561-243-7500 wwwdelraylandtrustorg
BOARD OF DIRECTORSGARY P ELIOPOULOSPRESIDENT
KIMBERLY CAMEJOVICE PRESIDENT
DYSONYA MITCHELLTREASURER
MORRIE WEINMANSECRETARY
ARTHUR BROWN
POLK COTTON
CHERYL HAYWOOD
VICKI HILL
ANTHONY HOLLIDAY JR
ELTON MCGOWAN JR
KIMBERLY MORRIS
PATRICIA WRIGHT
STAFF
EVELYN DOBSONEXECUTIVE DIRECTOR
GERECIA JACKSON EDMONDHOUSING MANAGER
AHMED BURTONHOUSING COORDINATOR
+1243 64Rental Units
CLT Owner Units
Units by 2017
The DBCLT Atlantic Park Square Project along SW 14th Avenue will consist of 22 single family homes upon completion with three to four bedrooms rear-and-side loaded garages and large elevated porches Of the 22 planned 21 have been completed and sold with one lot remaining It is a true example of how the DBCLT City of Delray Beach and Delray Beach CRA can partner to create something spectacular
ldquoWe continue to work together The organization is accountable the dedication is there and we have made affordable housing a reality for very-low- to moderate-income householdsrdquo said Dobson As housing prices increase Evelyn and Gary look forward to a very bright future The CLT model is working thanks to the hard work and dedication of the team and partners
1510 Years of Community Land Trusts in South Florida April 2016
HEARTFELT FLORIDA HOUSING CLTDEVELOPING THRIVING STABLE COMMUNITIES THROUGH THE ACQUISITION OF LAND amp THE CREATION amp STEWARDSHIP OF PERMANENTLY AFFORDABLE HOUSING FOR LOW- TO MODERATE-INCOME INDIVIDUALS
Ocean Breeze West sounds like a tropical paradise and for the residents there it is The development is constructed on a 45 acre site which was destroyed by the hurricanes of 2004 and now has 21 new single-family homes located in the heart of Boynton It is the first Heartfelt Florida Housing Community Land Trust (HFHCLT) mixed-income development aimed at an innovative socially responsible and sustainable solutions to the lack of affordable housing opportunities in South Palm Beach
After 25 years of serving South Palm Beach the local affiliate of Habitat for Humanity decided to utilize the community land trust model and the nonprofit Heartfelt Florida Housing Community Land Trust (HFHCLT) was founded in 2010
Mike Williams Associate Executive Director at Habitat for Humanity of South Palm Beach County shared his vision when he stated ldquoThe impact of having a decent place to live especially for kids who do so much better
16 SOUTH FLORIDA COMMUNITY LAND TRUST NETWORK
181 SE 5th Avenue Delray Beach561-819-6070wwwheartfeltcltorg
BOARD OF DIRECTORS
JEREMY AHWEE PRESIDENT
MIKE CAMPBELLSECRETARY
PAMELA OWENS TREASURER
WANESTA BUSH MEMBER
DIANA HILLMAN MEMBER
ROJUANA MOSSMEMBER
MIKE OWEN MEMBER
STAFFDONNA WALDRONEXECUTIVE DIRECTOR
when they have a place to study and thrive and the parents themselves who donrsquot have to worry about a landlord or where they will live next month and being able to address that is the greatest motivationrdquo
The focus of the land trust is to make these homes permanently affordable The homeowners are granted a long-term ground lease with their home purchase and can stay there for its duration If they choose to sell a formula is used to allow a limited but fair return to the seller while keeping the structure affordable for the next buyer ensuring perpetual affordability
In addition to the goal of perpetual affordability Heartfelt works with its present and future residents to safeguard the homes and maintain the security of its occupants Ocean Breeze West brings new hope to the entire community It provides an opportunity for working families to return to a neighborhood that lost residents when the former buildings were rendered uninhabitable
Yet HFHCLT isnrsquot satisfied that enough has been done They are committed to the expansion of their acquisition and development program According to Mike HFHCLT is working with the City of Delray in looking at a couple of areas to do bigger developments
HFHCLT is paving the way to preserving the quality affordability and economic diversity of housing for residents of South Palm Beach County Florida
27CLT Owner Units
+18Units by 2017
1710 Years of Community Land Trusts in South Florida April 2016
SOUTH FLORIDA CLTPROVIDING AND PRESERVING QUALITY SUSTAINABLE AFFORDABLE HOUSING FOR UNDERSERVED POPULATIONS IN SOUTH FLORIDA When driving through the quiet neighborhoods of South Florida you notice houses transformed into homes with families making memories inside But what you donrsquot notice is the history as to how these families got there Behind that brick and concrete is something even stronger Perseverance
It is this adjective that weaves throughout the South Florida Community Land Trust (SFCLT) foundation SFCLT has assisted over 100 individuals to find a home But achieving this goal wasnrsquot always easy
ldquoOur first project was the most challengingrdquo said Mandy Bartle SFCLT Executive Director ldquoWe bought an apartment building in a nice wealthy community There was a lot of resistance from the neighbors and commissioners for developing affordable housing in the neighborhood After we
remodeled the apartments we them showed how beautiful it was and started getting calls from the community about moving in We were able to change perceptions about what affordable housing doesrdquo
Through hard work and perseverance Mandy and her team grew the South Florida Community Land Trust into what it is today
South Florida Community Land Trust is a nonprofit corporation that develops and preserves affordable housing in South Florida It is one of the few organizations in South Florida that is focused on creating a permanent source of affordable housing to help both current and future homeowners They work to help South Florida residents afford a home without compromising on safety or quality
1007 N Federal HWY 2999547691731wwwsouthfloridacltorg
BOARD OF DIRECTORS
GIOVANNI MOSSPRESIDENT
MARCIE OPPENHEIMER NOLANVICE PRESIDENT
JERRY HENISERTREASURER
SANDRA EINHORNSECRETARY
MARCIA BARRY-SMITH
MONICA NAVARRO
STEVE WERTHMAN
STAFFMANDY SPANGLER BARTLEEXECUTIVE DIRECTOR
MATT WEISSPROPERTY MANAGER
ANNA MCMASTERPROGRAM MANAGER
+15
SFCLT was formed in 2006 a time plagued with high unemployment rates and banks hesitant to loan Yet the team persevered They were able to advocate to the banks to offer loans to their homeowners
The future is very bright for SFCLT They have plans to expand to Miami Florida within two years Despite the various challenges SFCLT knows they need to be there
ldquoNumerous reports have cited the need as it is one of few major metropolitan areas in the country without a CLT We are one of a number of groups trying to change thatrdquo said Bartle ldquoThere are CLTrsquos in Monroe Palm Beach and Broward Counties and Miami is one of the most expensive markets- thatrsquos why the need is so greatrdquo
South Florida Community Land Trust will continue to make a difference in the lives of South Florida residents and hopefully one day the residents of Miami-Dade County
46 8Rental Units
CLT Owner Units
Units by 2017
1910 Years of Community Land Trusts in South Florida April 2016
HOUSING LEADERSHIP COUNCIL OF PALM BEACH COUNTY
SFCLTN PARTNER ORGANIZATIONS
It can be easy to take advantage of a warm bed shelter during a storm a place to call home These are things we have been given since we could remember However it is the team at the Housing Leadership Council of Palm Beach County (HLCPBC) that remind us that lifersquos ldquosimplicitiesrdquo are actually quite difficult to obtain
In July 2006 the Workforce Housing Needs Assessment released a shocking report on the depth and severity of the housing market in Palm Beach County They found approximately 60 percent of Palm Beach County residents earn less than 50 percent of the area median income With such high numbers many low to mid-size earners were struggling financially to obtain or keep their homes
The report called for each county and municipality to develop a comprehensive housing policy that addresses the urgent need of expanding and preserving the inventory of affordable housing Immediately the Housing Leadership of Palm Beach County was born with a mission that housing is attainable for the workforce at all income levels through education advocacy and facilitating collaboration
Ten years later the organization continues thrive off that mission Since 2007 the Housing Leadership Council has been working on important collaborative efforts that ensure we address the current issues of stabilizing neighborhoods and making sure we have an adequate supply of workforce housing in our community
They remind us each day that we all need a place to call home
wwwhlcpbcorg
20 SOUTH FLORIDA COMMUNITY LAND TRUST NETWORK
ADOPT-A-FAMILY OF THE PALM BEACHES
HOUSING PARTNERSHIP
NEIGHBORHOOD RENAISSANCE
Research | Design | Programming
wwwadoptafamilypbcorg
Adopt-A-Family is a 501c3 nonprofit charitable organization dedicated to strengthening families with children in their efforts to achieve stability and self-sufficiency by providing access to all-encompassing services
wwwneighborhoodrenaissanceorg
Neighborhood Renaissance Inc is a nonprofit community based organization dedicated to building and supporting strong economies and diverse communities in Palm Beach County They do so by creating workforce housing opportunities jobs and small business prospects for low and moderate income persons
9 CLT HOMEOWNERSHIP UNITS45 PERMANENTLY AFFORDABLE RENTAL UNITS
wwwcp-ctoorghousing-partnership
Housing Partnership Inc a member of Community Partners began in 1986 and has come to believe that finding impactful solutions to complex community issues requires an approach that is both holistic and focused In all that they do they strive to work with the person in the context of their family and with the family in the context of their community
1 CLT HOMEOWNERSHIP UNIT9 PERMANENTLY AFFORDABLE RENTAL UNITS
2110 Years of Community Land Trusts in South Florida April 2016
The South Florida Community Land Trust Network (SFCLTN) is a collaborative comprised of Community Land Trusts and key partner organizations operating in South Florida
SFCLTN LeadHousing Leadership Council of Palm Beach County | wwwhlcpbcorg
Community Land Trust MembersCommunity Land Trust of Palm Beach County |wwwcltofpbcorgDelray Beach Community Land Trust | wwwdelraylandtrustorgHeartfelt Florida Housing Community Land Trust | wwwheartfeltcltorgSouth Florida Community Land Trust | wwwsouthfloridacltorg
Partner OrganizationsAdopt-A-Family of the Palm Beaches | wwwadoptafamilypbcorgHousing Partnership | wwwcp-ctoorghousing-partnershipNeighborhood Renaissance | wwwneighborhoodrenaissanceorg
THE SOUTH FLORIDA COMMUNITY LAND TRUSTNETWORK
SFCLTN PARTNER ORGANIZATIONS 20
THE COMMUNITY LAND TRUST MODEL 2
5 REASONS SOUTH FLORIDA NEEDS COMMUNITY LAND TRUSTS
4THE SOUTH FLORIDA COMMUNITY LAND TRUST NETWORK
8
COMMUNITY LAND TRUST ORGANIZATIONS IN SOUTH FLORIDA 8
COMMUNITY LAND TRUST OF PALM BEACH COUNTY 12
DELRAY BEACH COMMUNITY LAND TRUST 14
HEARTFELT FLORIDA HOUSING COMMUNITY LAND TRUST 16
SOUTH FLORIDA COMMUNITY LAND TRUST 18
HOUSING LEADERSHIP COUNCIL OF PALM BEACH COUNTY 20
ADOPT-A-FAMILY OF THE PALM BEACHES 21
NEIGHBORHOOD RENAISSANCE 21
HOUSING PARTNERSHIP 21
WHATrsquoS INSIDE
110 Years of Community Land Trusts in South Florida April 2016
THE COMMUNITY LAND TRUST (CLT) MODEL
The Community Land Trust (CLT) model is based on dual ownership The land is owned and preserved by the nonprofit and the homebuyer owns the home including the building and all of the improvements on the land This separation reduces the purchase price for buyers allowing more families to afford a home while providing the permanence and security of traditional homeownership
A ground lease between the homebuyer and land trust ensures that when the house is sold it goes to another deserving family and that the appreciation in property value is shared between the land trust and individual Through shared-appreciation CLTs allow residents to build equity while preserving affordability It also gives residents the ability to pass on the same opportunity they received to the next household and ensure that housing remains affordable for future generations
COMMUNITY LAND TRUSTS (CLT) ARE NONPROFIT ORGANIZATIONS THAT PROVIDE PERMANENTLY AFFORDABLE HOUSING
2 SOUTH FLORIDA COMMUNITY LAND TRUST NETWORK
PEOPLE CITIES COMMUNITIES
In markets that are slowly appreciating CLT properties become more affordable over time
THE CLT MODEL WORKS IN ANY MARKET AND IN ANY COMMUNITY
CLTs provide homeownership that is affordable while giving households the opportunity to build equity and wealth
CLT housing remains affordable without additional subsidy for future buyers In fact the subsidy value increases over time
CLTs can help stabilize communities increase homeownership rates and protect neighborhoods facing gentrification
THE CLT MODEL BALANCES AND SUPPORTS THE NEEDS OF PEOPLE CITIES amp COMMUNITIES
In rapidly appreciating markets the value of CLT subsidy will substantially increase over time
In stabilized communities CLTs provide access to opportunities such as jobs transit and good schools
In transitional revitalizing neighborhoods CLTs can prevent gentrification and allow families to remain in their community
In weaker markets CLTs can stabilize communities by increasing homeownership and preventing foreclosures
310 Years of Community Land Trusts in South Florida April 2016
Community Land Trusts throughout South Florida have helped people own or rent homes in more than 20 cities across Palm Beach and Broward Counties
Unit counts and data includes only units developed by the Community Land Trust of Palm Beach County Delray Beach Community Land Trust Heartfelt Florida Housing Community Land Trust and South Florida Community Land Trust
336units will be built or occupied by the end of 2016 in Broward and Palm Beach Counties
38additional units are projected to be developed by 2017
THE SOUTH FLORIDA COMMUNITY LAND TRUSTNETWORK
The South Florida Community Land Trust Network (SFCLTN) formed in 2012 about 6 years after the first CLT home was developed in the region The group came together to address collective challenges share resources and to incubate permanently affordable housing options in a time when the region was ravaged and reeling from the Great Recession
By forming this Network the organizations involved have leveraged resources to expand their collective footprints cultivate increased capacity and maximize impact The group is lead by the Housing Leadership Council of Palm Beach County and includes four CLTs and numerous partner organizations
510 Years of Community Land Trusts in South Florida April 2016
PARTNERINGWITH
CORNERSTONE HOMEOWNERSHIP
INNOVATION PROGRAM (CHIP)
While newly formed SFCLTN is already a driving force in the national landscape SFCLTN was one of only eight groups - and the only consortium - accepted into the Cornerstone Homeowner Innovation Program (CHIP) a highly competitive national grant program funded by the Social Innovation Fund and the Ford Foundation CHIP provided SFCLTN with four years of capacity building support that has had an incalculable impact in advancing the CLT Model and permanently affordable housing here in South Florida
INCREASING MUNICIPAL
SUPPORT
CLTs protect public investments by ensuring the long-term preservation of government subsidies and by maintaining the quality of housing overtime Therefore the SFCLTN works to increase municipal support for the CLT Model and subsidy preservation through education and research A recent report commissioned by SFCLTN found that If subsidies are retained through the CLT Model the local government investment will increase by 140 overtime
Rebecca Walter PhD Carla Fink PhD and Sarah Jones Graduate Assistant The University of Texas at San Antonio Subsidy Retention versus Subsidy Recapture Strengthening Partnerships between South Florida Community Land Trusts and Local Governments
SFCLTN ACCOMPLISHMENTS
ldquoThe SFCLTN got started because we recognized that we could do so much more together Each organization serves its own geographic area and our program
services vary to some degree but at the beginning and at the end of the day we all provide very affordable housing to low and moderate income householdsrdquo
- Evelyn Dobson Delray Beach Community Land Trust
6 SOUTH FLORIDA COMMUNITY LAND TRUST NETWORK
GETTING THE WORD OUT
CLTs are a proven model for protecting affordability and have been employed over 250 communities across the county However the model is still relatively new in South Florida with the first CLTs forming 10 years ago To get the word out SFCLTN organizations delved into a CLT educational series targeting specific groups including real estate agents homebuyer counsellors and local government groups The goal was to educate stakeholders on the model and identify opportunities to partner Since forming the coalition has been featured at numerous local state and national conferences including at the 2014 FDIC Roundtable and the 27th Annual Statewide Florida Housing Conference The SFCLTN also produced a high quality video titled ldquoCommunity Land Trusts Where Home Isrdquo to highlight how residents have been impacted and share the importance and need for the CLT model in South Florida
EDUCATING PROSPECTIVE
BUYERS
Itrsquos important for prospective buyers to be well informed on the CLT model To that end SFCLTN members developed a Regional CLT Homebuyer Guide available in English Spanish and Creole In addition the group partnered with MBS Consulting Services to develop a stand-alone training module for all housing counselling agencies This CLT curriculum is now included in most local first-time homebuyer workshops
LENDING FOR CLTS
CLT loans are proven to be less risky than traditional financing However after the housing bubble burst many local lenders were lost and others became incredibly risk-averse One of the biggest achievements of the SFCLTN was bringing lenders back to the table with the assistance of the National CLT Network Florida Community Land Trust Institute and MBS Consulting Services This group hosted a lending forum and by the end of that day had two committed lenders Now we have seven active and ten approved lenders who are committed to the process Based on this huge success similar CLT lending forums have been replicated throughout the state and nation
710 Years of Community Land Trusts in South Florida April 2016
5REASONS SOUTH FLORIDA NEEDS COMMUNITY LAND TRUSTS
Housing is the single largest expense a household faces To understand the full picture of housing affordability measuring the share of a householdrsquos income spent on housing is more telling than simply comparing expenses Households spending more than 30 of their income on housing costs are considered housing cost-burdened those spending more that 50 are severely cost-burdened
By these measures 47 of households in the tri-county region are housing cost-burdened and over half of those households are severely cost-burdened ndash the highest percentage in the country This gap between income and the cost of housing continues to widen in South Florida
The result is a region where nearly half of all households struggle to maintain stable housing often foregoing other essentials including healthy food education or healthcare Community Land Trusts provide a long-term solution to bridge the gap between what households can afford and what the market provides
2015 State of the Nationrsquos Housing by the Joint Center for Housing Studies of Harvard University
01 ADDRESSING HIGH HOUSING COST
8 SOUTH FLORIDA COMMUNITY LAND TRUST NETWORK
65 decline in homeownership since 2006
A telling indicator of the state of our regionrsquos housing is the steep drop in homeownership While all but one metropolitan market experienced declines in homeownership between 2006 and 2013 South Florida had the sixth highest decline in the nation by 65 Some of this is undoubtedly related to the housing boom and bust stricter lending standards and generational choices Itrsquos also attributable to the fact that many are struggling to save for a down payment due to overwhelming rental costs and debt
Decreased opportunities for homeownership has negative impacts on economic outcomes particularly wealth accumulation Community Land Trusts can provide a stepping stool to get people out of renting and into homeownership Through a shared-equity model CLT homeowners are building wealth
2015 State of the Nationrsquos Housing by the Joint Center for Housing Studies of Harvard University
02 INCREASING HOMEOWNERSHIP OPPORTUNITIES
03 LINKING HOUSING AND TRANSIT
South Florida is quickly expanding its transportation infrastructure to improve mobility and connectivity in South Florida There is an opportunity to link those positive changes to increased access to housing that is affordable The time to make that link is now
Beyond housing the second highest cost a family faces is transportation In South Florida the combined burden of housing and transportation costs for moderate-income renters and homeowners is the highest in the country eating up an average of 72 cents of each dollar earned
CLTs can and should play a critical role in ensuring that housing near transportation options in South Florida remains accessible to mixed-income households now and into the future
ldquoLosing Ground The Struggle of Moderate-Income Households to Afford the Rising Costs of Housing and Transportationrdquo Center for Housing Policy amp Center for Neighborhood Technology
910 Years of Community Land Trusts in South Florida April 2016
In most affordable homeownership programs public investments or subsidies are given in the form of down-payment assistance that is eventually forgiven or ldquorecapturedrdquo when the benefiting homeowner sells the home However in a housing market like South Floridarsquos where housing appreciates more quickly than incomes rise the amount of subsidy needed for subsequent homeowners will be greater than the amount recaptured Thus the value of recaptured subsidies diminishes over time fewer homeowners can be assisted and the affordability of homes is lost
CLTs on the other hand function to protect both affordability and public investments by recycling the subsidy from one buyer to the next generation after generation forever Particularly in a time when funding for housing is diminishing and demand is growing ensuring public investments have a sustained impact like this is critical
04 PRESERVING PUBLIC INVESTMENTS
$$$
TIME
COST OF MARKET RATE HOUSINGSubsidy retained with the
property COST OF CLT HOUSING
INCOME
CLTs function to protect both affordability amp public investments by recycling the subsidy from one buyer to the next generation after generation forever
10 SOUTH FLORIDA COMMUNITY LAND TRUST NETWORK
05 ADDING ECONOMIC VALUE
Developing affordable housing builds more than just homes ndash itrsquos a proven economic driver that increases spending and employment in the surrounding economy Moreover without an adequate supply of affordable housing employers ndash and entire regional job markets ndash are disadvantaged due to their inability to attract and retain workers Affordable housing also improves educational outcomes by allowing families access to high performing schools and reducing unwanted moves
Affordable housing not only builds the economy but is also a stabilizing force A national survey finds that CLT homeowners are eight times less likely to be in the process of foreclosure than owners of market-rate homes The lower incidence of foreclosure among CLT homes in turn represents significant direct and indirect cost savings for municipalities in avoiding potential foreclosures
Thaden Emily 2010 June 7 Outperforming the Market Making Sense of the Low Rates of Delinquencies and Foreclosures in Community Land Trusts Nashville TN Peabody College Vanderbilt University
ldquoThe fact that the land is not counted in the price of the home in and of itself immediately establishes CLT homes as attainable In addition the fact that CLTs continues to support homeowners after homes are purchased is to me one of the strongest yet least visible pillars of the modelrdquo
- Marcia Barry-Smith MBS Consulting Services amp H2H Founder
1110 Years of Community Land Trusts in South Florida April 2016
INCREASING THE PERMANENT SUPPLY OF AFFORDABLE HOUSING IN PALM BEACH COUNTY THROUGHbull Land acquisition housing development preservation
bull Create a permanent supply of both rental and homeownership opportunities
bull Develop the community land trust model as an effective tool in meeting the long term affordable housing needs of Palm Beach County residents
bull Create vibrant mixed-income communities
bull Undertake a client focused approach to community development
bull Create sustainable communities
bull Collaborate
CLT OF PALM BEACH COUNTY
12 SOUTH FLORIDA COMMUNITY LAND TRUST NETWORK
4938 Davis Road Lake Worth561-318-8442wwwcltofpbcorg
BOARD OF DIRECTORSHAZEL LUCAS ESQPRESIDENT
TIMOTHY WHEAT VICE PRESIDENT
ANDREW ZEEMANTREASURER
ANGELA USHERSECRETARY
DOROTHY ELLINGTON
TANGENICA HENRY
VICE MAYOR SCOTT MAXWELL
TAMMY MCDONALD ANDERSON
SEMENTHA SANTANGELO
MAYOR SHANIQUE SCOTT
SHEMERRIA BURGESS
RANDY WERTEPNY
STAFFCINDEE LACOURSE-BLUMEXECUTIVE DIRECTOR
TANYA WARD BENGAMINHOUSING MANAGER
One defining feature in the idea of community is that its members affect each otherrsquos quality of life Nowhere is this demonstrated better and in a more positive manner than by the Community Land Trust of Palm Beach County (CLT of PBC) This countywide nonprofit organizationrsquos aim is to provide permanently affordable housing opportunities for its residents
ldquoIn general the understanding that humans need homes to both survive and thrive motivates me to work in affordable housingrdquo Cindee LaCourse-Blum Executive Director explained Clearly there is a desperate need High housing costs and slow wage growth have made the area unaffordable for many
The CLT of PBC was initiated in 2006 by Palm Beach County but rapidly became a community project with a wide range of founding members including Gold Coast Builders Association Palm Beach County League of Cities Business Development Board Business Forum of Palm Beach County Florida Rural Legal Services Community Financing Consortium Adopt-A-Family of the Palm Beaches Inc South Florida LISC We Help Community Development Inc Fair Housing Center of the Greater Palm Beaches Urban League of Palm Beach County Housing Partnership North Palm Beach Chamber of Commerce and the School District of Palm Beach County
These groups pulled together with the goal of creating vibrant mixed-income sustainable communities with a permanent supply of both rental and homeownership opportunities
Now with 108 total units throughout central Palm Beach County the dream is coming to fruition Itrsquos easy to see that the CLT of PBC serves as a successful model for demonstrating the power of a community and its ability do great things
+3380 28Rental Units
CLT Owner Units
Units by 2017
1310 Years of Community Land Trusts in South Florida April 2016
Love what you do and you will never work a day in your life Itrsquos a common quote not often practiced by many However Evelyn Dobson Executive Director of Delray Beach Community Land Trust (DBCLT) and Gary Eliopoulos Chairman of the Board seem to live by this motto
ldquoI feel like I finally found my niche in what I do because I know what it feels like to dream of becoming a homeowner and at times feeling that it may never happenrdquo said Evelyn Dobson when describing her job ldquoTo see the smile on the homeowners face when they get the keys to their home is the most rewarding feelingrdquo
Gary shares the same sentiment describing that the DBCLT was the perfect fit for him Itrsquos a feeling that kept their door open despite difficult times
The organization was formed in 2006 During the Great Recession DBCLT operated with a limited staff worked tirelessly with lending institutes and refused to give up ldquoTo be able to say that we are still operating after the Great Recession is our organizations greatest accomplishmentrdquo said Gary Eliopoulos
ldquoWe sustained the housing program services provided by the organization and that is of most importancerdquo
Fast-forward ten years and the team has served more than 500 households and currently stewards and manages 107 units including single-family homes townhomes and rentals However Evelyn and Gary refuse to stop there
DELRAY BEACH CLT
FOSTERING HEALTHY COMMUNITIES THROUGH THE CREATION STABILIZATION AND PRESERVATION OF QUALITY LONG-TERM AFFORDABLE HOUSING
14 SOUTH FLORIDA COMMUNITY LAND TRUST NETWORK
145 SW 12th Avenue Delray Beach561-243-7500 wwwdelraylandtrustorg
BOARD OF DIRECTORSGARY P ELIOPOULOSPRESIDENT
KIMBERLY CAMEJOVICE PRESIDENT
DYSONYA MITCHELLTREASURER
MORRIE WEINMANSECRETARY
ARTHUR BROWN
POLK COTTON
CHERYL HAYWOOD
VICKI HILL
ANTHONY HOLLIDAY JR
ELTON MCGOWAN JR
KIMBERLY MORRIS
PATRICIA WRIGHT
STAFF
EVELYN DOBSONEXECUTIVE DIRECTOR
GERECIA JACKSON EDMONDHOUSING MANAGER
AHMED BURTONHOUSING COORDINATOR
+1243 64Rental Units
CLT Owner Units
Units by 2017
The DBCLT Atlantic Park Square Project along SW 14th Avenue will consist of 22 single family homes upon completion with three to four bedrooms rear-and-side loaded garages and large elevated porches Of the 22 planned 21 have been completed and sold with one lot remaining It is a true example of how the DBCLT City of Delray Beach and Delray Beach CRA can partner to create something spectacular
ldquoWe continue to work together The organization is accountable the dedication is there and we have made affordable housing a reality for very-low- to moderate-income householdsrdquo said Dobson As housing prices increase Evelyn and Gary look forward to a very bright future The CLT model is working thanks to the hard work and dedication of the team and partners
1510 Years of Community Land Trusts in South Florida April 2016
HEARTFELT FLORIDA HOUSING CLTDEVELOPING THRIVING STABLE COMMUNITIES THROUGH THE ACQUISITION OF LAND amp THE CREATION amp STEWARDSHIP OF PERMANENTLY AFFORDABLE HOUSING FOR LOW- TO MODERATE-INCOME INDIVIDUALS
Ocean Breeze West sounds like a tropical paradise and for the residents there it is The development is constructed on a 45 acre site which was destroyed by the hurricanes of 2004 and now has 21 new single-family homes located in the heart of Boynton It is the first Heartfelt Florida Housing Community Land Trust (HFHCLT) mixed-income development aimed at an innovative socially responsible and sustainable solutions to the lack of affordable housing opportunities in South Palm Beach
After 25 years of serving South Palm Beach the local affiliate of Habitat for Humanity decided to utilize the community land trust model and the nonprofit Heartfelt Florida Housing Community Land Trust (HFHCLT) was founded in 2010
Mike Williams Associate Executive Director at Habitat for Humanity of South Palm Beach County shared his vision when he stated ldquoThe impact of having a decent place to live especially for kids who do so much better
16 SOUTH FLORIDA COMMUNITY LAND TRUST NETWORK
181 SE 5th Avenue Delray Beach561-819-6070wwwheartfeltcltorg
BOARD OF DIRECTORS
JEREMY AHWEE PRESIDENT
MIKE CAMPBELLSECRETARY
PAMELA OWENS TREASURER
WANESTA BUSH MEMBER
DIANA HILLMAN MEMBER
ROJUANA MOSSMEMBER
MIKE OWEN MEMBER
STAFFDONNA WALDRONEXECUTIVE DIRECTOR
when they have a place to study and thrive and the parents themselves who donrsquot have to worry about a landlord or where they will live next month and being able to address that is the greatest motivationrdquo
The focus of the land trust is to make these homes permanently affordable The homeowners are granted a long-term ground lease with their home purchase and can stay there for its duration If they choose to sell a formula is used to allow a limited but fair return to the seller while keeping the structure affordable for the next buyer ensuring perpetual affordability
In addition to the goal of perpetual affordability Heartfelt works with its present and future residents to safeguard the homes and maintain the security of its occupants Ocean Breeze West brings new hope to the entire community It provides an opportunity for working families to return to a neighborhood that lost residents when the former buildings were rendered uninhabitable
Yet HFHCLT isnrsquot satisfied that enough has been done They are committed to the expansion of their acquisition and development program According to Mike HFHCLT is working with the City of Delray in looking at a couple of areas to do bigger developments
HFHCLT is paving the way to preserving the quality affordability and economic diversity of housing for residents of South Palm Beach County Florida
27CLT Owner Units
+18Units by 2017
1710 Years of Community Land Trusts in South Florida April 2016
SOUTH FLORIDA CLTPROVIDING AND PRESERVING QUALITY SUSTAINABLE AFFORDABLE HOUSING FOR UNDERSERVED POPULATIONS IN SOUTH FLORIDA When driving through the quiet neighborhoods of South Florida you notice houses transformed into homes with families making memories inside But what you donrsquot notice is the history as to how these families got there Behind that brick and concrete is something even stronger Perseverance
It is this adjective that weaves throughout the South Florida Community Land Trust (SFCLT) foundation SFCLT has assisted over 100 individuals to find a home But achieving this goal wasnrsquot always easy
ldquoOur first project was the most challengingrdquo said Mandy Bartle SFCLT Executive Director ldquoWe bought an apartment building in a nice wealthy community There was a lot of resistance from the neighbors and commissioners for developing affordable housing in the neighborhood After we
remodeled the apartments we them showed how beautiful it was and started getting calls from the community about moving in We were able to change perceptions about what affordable housing doesrdquo
Through hard work and perseverance Mandy and her team grew the South Florida Community Land Trust into what it is today
South Florida Community Land Trust is a nonprofit corporation that develops and preserves affordable housing in South Florida It is one of the few organizations in South Florida that is focused on creating a permanent source of affordable housing to help both current and future homeowners They work to help South Florida residents afford a home without compromising on safety or quality
1007 N Federal HWY 2999547691731wwwsouthfloridacltorg
BOARD OF DIRECTORS
GIOVANNI MOSSPRESIDENT
MARCIE OPPENHEIMER NOLANVICE PRESIDENT
JERRY HENISERTREASURER
SANDRA EINHORNSECRETARY
MARCIA BARRY-SMITH
MONICA NAVARRO
STEVE WERTHMAN
STAFFMANDY SPANGLER BARTLEEXECUTIVE DIRECTOR
MATT WEISSPROPERTY MANAGER
ANNA MCMASTERPROGRAM MANAGER
+15
SFCLT was formed in 2006 a time plagued with high unemployment rates and banks hesitant to loan Yet the team persevered They were able to advocate to the banks to offer loans to their homeowners
The future is very bright for SFCLT They have plans to expand to Miami Florida within two years Despite the various challenges SFCLT knows they need to be there
ldquoNumerous reports have cited the need as it is one of few major metropolitan areas in the country without a CLT We are one of a number of groups trying to change thatrdquo said Bartle ldquoThere are CLTrsquos in Monroe Palm Beach and Broward Counties and Miami is one of the most expensive markets- thatrsquos why the need is so greatrdquo
South Florida Community Land Trust will continue to make a difference in the lives of South Florida residents and hopefully one day the residents of Miami-Dade County
46 8Rental Units
CLT Owner Units
Units by 2017
1910 Years of Community Land Trusts in South Florida April 2016
HOUSING LEADERSHIP COUNCIL OF PALM BEACH COUNTY
SFCLTN PARTNER ORGANIZATIONS
It can be easy to take advantage of a warm bed shelter during a storm a place to call home These are things we have been given since we could remember However it is the team at the Housing Leadership Council of Palm Beach County (HLCPBC) that remind us that lifersquos ldquosimplicitiesrdquo are actually quite difficult to obtain
In July 2006 the Workforce Housing Needs Assessment released a shocking report on the depth and severity of the housing market in Palm Beach County They found approximately 60 percent of Palm Beach County residents earn less than 50 percent of the area median income With such high numbers many low to mid-size earners were struggling financially to obtain or keep their homes
The report called for each county and municipality to develop a comprehensive housing policy that addresses the urgent need of expanding and preserving the inventory of affordable housing Immediately the Housing Leadership of Palm Beach County was born with a mission that housing is attainable for the workforce at all income levels through education advocacy and facilitating collaboration
Ten years later the organization continues thrive off that mission Since 2007 the Housing Leadership Council has been working on important collaborative efforts that ensure we address the current issues of stabilizing neighborhoods and making sure we have an adequate supply of workforce housing in our community
They remind us each day that we all need a place to call home
wwwhlcpbcorg
20 SOUTH FLORIDA COMMUNITY LAND TRUST NETWORK
ADOPT-A-FAMILY OF THE PALM BEACHES
HOUSING PARTNERSHIP
NEIGHBORHOOD RENAISSANCE
Research | Design | Programming
wwwadoptafamilypbcorg
Adopt-A-Family is a 501c3 nonprofit charitable organization dedicated to strengthening families with children in their efforts to achieve stability and self-sufficiency by providing access to all-encompassing services
wwwneighborhoodrenaissanceorg
Neighborhood Renaissance Inc is a nonprofit community based organization dedicated to building and supporting strong economies and diverse communities in Palm Beach County They do so by creating workforce housing opportunities jobs and small business prospects for low and moderate income persons
9 CLT HOMEOWNERSHIP UNITS45 PERMANENTLY AFFORDABLE RENTAL UNITS
wwwcp-ctoorghousing-partnership
Housing Partnership Inc a member of Community Partners began in 1986 and has come to believe that finding impactful solutions to complex community issues requires an approach that is both holistic and focused In all that they do they strive to work with the person in the context of their family and with the family in the context of their community
1 CLT HOMEOWNERSHIP UNIT9 PERMANENTLY AFFORDABLE RENTAL UNITS
2110 Years of Community Land Trusts in South Florida April 2016
The South Florida Community Land Trust Network (SFCLTN) is a collaborative comprised of Community Land Trusts and key partner organizations operating in South Florida
SFCLTN LeadHousing Leadership Council of Palm Beach County | wwwhlcpbcorg
Community Land Trust MembersCommunity Land Trust of Palm Beach County |wwwcltofpbcorgDelray Beach Community Land Trust | wwwdelraylandtrustorgHeartfelt Florida Housing Community Land Trust | wwwheartfeltcltorgSouth Florida Community Land Trust | wwwsouthfloridacltorg
Partner OrganizationsAdopt-A-Family of the Palm Beaches | wwwadoptafamilypbcorgHousing Partnership | wwwcp-ctoorghousing-partnershipNeighborhood Renaissance | wwwneighborhoodrenaissanceorg
THE SOUTH FLORIDA COMMUNITY LAND TRUSTNETWORK
THE COMMUNITY LAND TRUST (CLT) MODEL
The Community Land Trust (CLT) model is based on dual ownership The land is owned and preserved by the nonprofit and the homebuyer owns the home including the building and all of the improvements on the land This separation reduces the purchase price for buyers allowing more families to afford a home while providing the permanence and security of traditional homeownership
A ground lease between the homebuyer and land trust ensures that when the house is sold it goes to another deserving family and that the appreciation in property value is shared between the land trust and individual Through shared-appreciation CLTs allow residents to build equity while preserving affordability It also gives residents the ability to pass on the same opportunity they received to the next household and ensure that housing remains affordable for future generations
COMMUNITY LAND TRUSTS (CLT) ARE NONPROFIT ORGANIZATIONS THAT PROVIDE PERMANENTLY AFFORDABLE HOUSING
2 SOUTH FLORIDA COMMUNITY LAND TRUST NETWORK
PEOPLE CITIES COMMUNITIES
In markets that are slowly appreciating CLT properties become more affordable over time
THE CLT MODEL WORKS IN ANY MARKET AND IN ANY COMMUNITY
CLTs provide homeownership that is affordable while giving households the opportunity to build equity and wealth
CLT housing remains affordable without additional subsidy for future buyers In fact the subsidy value increases over time
CLTs can help stabilize communities increase homeownership rates and protect neighborhoods facing gentrification
THE CLT MODEL BALANCES AND SUPPORTS THE NEEDS OF PEOPLE CITIES amp COMMUNITIES
In rapidly appreciating markets the value of CLT subsidy will substantially increase over time
In stabilized communities CLTs provide access to opportunities such as jobs transit and good schools
In transitional revitalizing neighborhoods CLTs can prevent gentrification and allow families to remain in their community
In weaker markets CLTs can stabilize communities by increasing homeownership and preventing foreclosures
310 Years of Community Land Trusts in South Florida April 2016
Community Land Trusts throughout South Florida have helped people own or rent homes in more than 20 cities across Palm Beach and Broward Counties
Unit counts and data includes only units developed by the Community Land Trust of Palm Beach County Delray Beach Community Land Trust Heartfelt Florida Housing Community Land Trust and South Florida Community Land Trust
336units will be built or occupied by the end of 2016 in Broward and Palm Beach Counties
38additional units are projected to be developed by 2017
THE SOUTH FLORIDA COMMUNITY LAND TRUSTNETWORK
The South Florida Community Land Trust Network (SFCLTN) formed in 2012 about 6 years after the first CLT home was developed in the region The group came together to address collective challenges share resources and to incubate permanently affordable housing options in a time when the region was ravaged and reeling from the Great Recession
By forming this Network the organizations involved have leveraged resources to expand their collective footprints cultivate increased capacity and maximize impact The group is lead by the Housing Leadership Council of Palm Beach County and includes four CLTs and numerous partner organizations
510 Years of Community Land Trusts in South Florida April 2016
PARTNERINGWITH
CORNERSTONE HOMEOWNERSHIP
INNOVATION PROGRAM (CHIP)
While newly formed SFCLTN is already a driving force in the national landscape SFCLTN was one of only eight groups - and the only consortium - accepted into the Cornerstone Homeowner Innovation Program (CHIP) a highly competitive national grant program funded by the Social Innovation Fund and the Ford Foundation CHIP provided SFCLTN with four years of capacity building support that has had an incalculable impact in advancing the CLT Model and permanently affordable housing here in South Florida
INCREASING MUNICIPAL
SUPPORT
CLTs protect public investments by ensuring the long-term preservation of government subsidies and by maintaining the quality of housing overtime Therefore the SFCLTN works to increase municipal support for the CLT Model and subsidy preservation through education and research A recent report commissioned by SFCLTN found that If subsidies are retained through the CLT Model the local government investment will increase by 140 overtime
Rebecca Walter PhD Carla Fink PhD and Sarah Jones Graduate Assistant The University of Texas at San Antonio Subsidy Retention versus Subsidy Recapture Strengthening Partnerships between South Florida Community Land Trusts and Local Governments
SFCLTN ACCOMPLISHMENTS
ldquoThe SFCLTN got started because we recognized that we could do so much more together Each organization serves its own geographic area and our program
services vary to some degree but at the beginning and at the end of the day we all provide very affordable housing to low and moderate income householdsrdquo
- Evelyn Dobson Delray Beach Community Land Trust
6 SOUTH FLORIDA COMMUNITY LAND TRUST NETWORK
GETTING THE WORD OUT
CLTs are a proven model for protecting affordability and have been employed over 250 communities across the county However the model is still relatively new in South Florida with the first CLTs forming 10 years ago To get the word out SFCLTN organizations delved into a CLT educational series targeting specific groups including real estate agents homebuyer counsellors and local government groups The goal was to educate stakeholders on the model and identify opportunities to partner Since forming the coalition has been featured at numerous local state and national conferences including at the 2014 FDIC Roundtable and the 27th Annual Statewide Florida Housing Conference The SFCLTN also produced a high quality video titled ldquoCommunity Land Trusts Where Home Isrdquo to highlight how residents have been impacted and share the importance and need for the CLT model in South Florida
EDUCATING PROSPECTIVE
BUYERS
Itrsquos important for prospective buyers to be well informed on the CLT model To that end SFCLTN members developed a Regional CLT Homebuyer Guide available in English Spanish and Creole In addition the group partnered with MBS Consulting Services to develop a stand-alone training module for all housing counselling agencies This CLT curriculum is now included in most local first-time homebuyer workshops
LENDING FOR CLTS
CLT loans are proven to be less risky than traditional financing However after the housing bubble burst many local lenders were lost and others became incredibly risk-averse One of the biggest achievements of the SFCLTN was bringing lenders back to the table with the assistance of the National CLT Network Florida Community Land Trust Institute and MBS Consulting Services This group hosted a lending forum and by the end of that day had two committed lenders Now we have seven active and ten approved lenders who are committed to the process Based on this huge success similar CLT lending forums have been replicated throughout the state and nation
710 Years of Community Land Trusts in South Florida April 2016
5REASONS SOUTH FLORIDA NEEDS COMMUNITY LAND TRUSTS
Housing is the single largest expense a household faces To understand the full picture of housing affordability measuring the share of a householdrsquos income spent on housing is more telling than simply comparing expenses Households spending more than 30 of their income on housing costs are considered housing cost-burdened those spending more that 50 are severely cost-burdened
By these measures 47 of households in the tri-county region are housing cost-burdened and over half of those households are severely cost-burdened ndash the highest percentage in the country This gap between income and the cost of housing continues to widen in South Florida
The result is a region where nearly half of all households struggle to maintain stable housing often foregoing other essentials including healthy food education or healthcare Community Land Trusts provide a long-term solution to bridge the gap between what households can afford and what the market provides
2015 State of the Nationrsquos Housing by the Joint Center for Housing Studies of Harvard University
01 ADDRESSING HIGH HOUSING COST
8 SOUTH FLORIDA COMMUNITY LAND TRUST NETWORK
65 decline in homeownership since 2006
A telling indicator of the state of our regionrsquos housing is the steep drop in homeownership While all but one metropolitan market experienced declines in homeownership between 2006 and 2013 South Florida had the sixth highest decline in the nation by 65 Some of this is undoubtedly related to the housing boom and bust stricter lending standards and generational choices Itrsquos also attributable to the fact that many are struggling to save for a down payment due to overwhelming rental costs and debt
Decreased opportunities for homeownership has negative impacts on economic outcomes particularly wealth accumulation Community Land Trusts can provide a stepping stool to get people out of renting and into homeownership Through a shared-equity model CLT homeowners are building wealth
2015 State of the Nationrsquos Housing by the Joint Center for Housing Studies of Harvard University
02 INCREASING HOMEOWNERSHIP OPPORTUNITIES
03 LINKING HOUSING AND TRANSIT
South Florida is quickly expanding its transportation infrastructure to improve mobility and connectivity in South Florida There is an opportunity to link those positive changes to increased access to housing that is affordable The time to make that link is now
Beyond housing the second highest cost a family faces is transportation In South Florida the combined burden of housing and transportation costs for moderate-income renters and homeowners is the highest in the country eating up an average of 72 cents of each dollar earned
CLTs can and should play a critical role in ensuring that housing near transportation options in South Florida remains accessible to mixed-income households now and into the future
ldquoLosing Ground The Struggle of Moderate-Income Households to Afford the Rising Costs of Housing and Transportationrdquo Center for Housing Policy amp Center for Neighborhood Technology
910 Years of Community Land Trusts in South Florida April 2016
In most affordable homeownership programs public investments or subsidies are given in the form of down-payment assistance that is eventually forgiven or ldquorecapturedrdquo when the benefiting homeowner sells the home However in a housing market like South Floridarsquos where housing appreciates more quickly than incomes rise the amount of subsidy needed for subsequent homeowners will be greater than the amount recaptured Thus the value of recaptured subsidies diminishes over time fewer homeowners can be assisted and the affordability of homes is lost
CLTs on the other hand function to protect both affordability and public investments by recycling the subsidy from one buyer to the next generation after generation forever Particularly in a time when funding for housing is diminishing and demand is growing ensuring public investments have a sustained impact like this is critical
04 PRESERVING PUBLIC INVESTMENTS
$$$
TIME
COST OF MARKET RATE HOUSINGSubsidy retained with the
property COST OF CLT HOUSING
INCOME
CLTs function to protect both affordability amp public investments by recycling the subsidy from one buyer to the next generation after generation forever
10 SOUTH FLORIDA COMMUNITY LAND TRUST NETWORK
05 ADDING ECONOMIC VALUE
Developing affordable housing builds more than just homes ndash itrsquos a proven economic driver that increases spending and employment in the surrounding economy Moreover without an adequate supply of affordable housing employers ndash and entire regional job markets ndash are disadvantaged due to their inability to attract and retain workers Affordable housing also improves educational outcomes by allowing families access to high performing schools and reducing unwanted moves
Affordable housing not only builds the economy but is also a stabilizing force A national survey finds that CLT homeowners are eight times less likely to be in the process of foreclosure than owners of market-rate homes The lower incidence of foreclosure among CLT homes in turn represents significant direct and indirect cost savings for municipalities in avoiding potential foreclosures
Thaden Emily 2010 June 7 Outperforming the Market Making Sense of the Low Rates of Delinquencies and Foreclosures in Community Land Trusts Nashville TN Peabody College Vanderbilt University
ldquoThe fact that the land is not counted in the price of the home in and of itself immediately establishes CLT homes as attainable In addition the fact that CLTs continues to support homeowners after homes are purchased is to me one of the strongest yet least visible pillars of the modelrdquo
- Marcia Barry-Smith MBS Consulting Services amp H2H Founder
1110 Years of Community Land Trusts in South Florida April 2016
INCREASING THE PERMANENT SUPPLY OF AFFORDABLE HOUSING IN PALM BEACH COUNTY THROUGHbull Land acquisition housing development preservation
bull Create a permanent supply of both rental and homeownership opportunities
bull Develop the community land trust model as an effective tool in meeting the long term affordable housing needs of Palm Beach County residents
bull Create vibrant mixed-income communities
bull Undertake a client focused approach to community development
bull Create sustainable communities
bull Collaborate
CLT OF PALM BEACH COUNTY
12 SOUTH FLORIDA COMMUNITY LAND TRUST NETWORK
4938 Davis Road Lake Worth561-318-8442wwwcltofpbcorg
BOARD OF DIRECTORSHAZEL LUCAS ESQPRESIDENT
TIMOTHY WHEAT VICE PRESIDENT
ANDREW ZEEMANTREASURER
ANGELA USHERSECRETARY
DOROTHY ELLINGTON
TANGENICA HENRY
VICE MAYOR SCOTT MAXWELL
TAMMY MCDONALD ANDERSON
SEMENTHA SANTANGELO
MAYOR SHANIQUE SCOTT
SHEMERRIA BURGESS
RANDY WERTEPNY
STAFFCINDEE LACOURSE-BLUMEXECUTIVE DIRECTOR
TANYA WARD BENGAMINHOUSING MANAGER
One defining feature in the idea of community is that its members affect each otherrsquos quality of life Nowhere is this demonstrated better and in a more positive manner than by the Community Land Trust of Palm Beach County (CLT of PBC) This countywide nonprofit organizationrsquos aim is to provide permanently affordable housing opportunities for its residents
ldquoIn general the understanding that humans need homes to both survive and thrive motivates me to work in affordable housingrdquo Cindee LaCourse-Blum Executive Director explained Clearly there is a desperate need High housing costs and slow wage growth have made the area unaffordable for many
The CLT of PBC was initiated in 2006 by Palm Beach County but rapidly became a community project with a wide range of founding members including Gold Coast Builders Association Palm Beach County League of Cities Business Development Board Business Forum of Palm Beach County Florida Rural Legal Services Community Financing Consortium Adopt-A-Family of the Palm Beaches Inc South Florida LISC We Help Community Development Inc Fair Housing Center of the Greater Palm Beaches Urban League of Palm Beach County Housing Partnership North Palm Beach Chamber of Commerce and the School District of Palm Beach County
These groups pulled together with the goal of creating vibrant mixed-income sustainable communities with a permanent supply of both rental and homeownership opportunities
Now with 108 total units throughout central Palm Beach County the dream is coming to fruition Itrsquos easy to see that the CLT of PBC serves as a successful model for demonstrating the power of a community and its ability do great things
+3380 28Rental Units
CLT Owner Units
Units by 2017
1310 Years of Community Land Trusts in South Florida April 2016
Love what you do and you will never work a day in your life Itrsquos a common quote not often practiced by many However Evelyn Dobson Executive Director of Delray Beach Community Land Trust (DBCLT) and Gary Eliopoulos Chairman of the Board seem to live by this motto
ldquoI feel like I finally found my niche in what I do because I know what it feels like to dream of becoming a homeowner and at times feeling that it may never happenrdquo said Evelyn Dobson when describing her job ldquoTo see the smile on the homeowners face when they get the keys to their home is the most rewarding feelingrdquo
Gary shares the same sentiment describing that the DBCLT was the perfect fit for him Itrsquos a feeling that kept their door open despite difficult times
The organization was formed in 2006 During the Great Recession DBCLT operated with a limited staff worked tirelessly with lending institutes and refused to give up ldquoTo be able to say that we are still operating after the Great Recession is our organizations greatest accomplishmentrdquo said Gary Eliopoulos
ldquoWe sustained the housing program services provided by the organization and that is of most importancerdquo
Fast-forward ten years and the team has served more than 500 households and currently stewards and manages 107 units including single-family homes townhomes and rentals However Evelyn and Gary refuse to stop there
DELRAY BEACH CLT
FOSTERING HEALTHY COMMUNITIES THROUGH THE CREATION STABILIZATION AND PRESERVATION OF QUALITY LONG-TERM AFFORDABLE HOUSING
14 SOUTH FLORIDA COMMUNITY LAND TRUST NETWORK
145 SW 12th Avenue Delray Beach561-243-7500 wwwdelraylandtrustorg
BOARD OF DIRECTORSGARY P ELIOPOULOSPRESIDENT
KIMBERLY CAMEJOVICE PRESIDENT
DYSONYA MITCHELLTREASURER
MORRIE WEINMANSECRETARY
ARTHUR BROWN
POLK COTTON
CHERYL HAYWOOD
VICKI HILL
ANTHONY HOLLIDAY JR
ELTON MCGOWAN JR
KIMBERLY MORRIS
PATRICIA WRIGHT
STAFF
EVELYN DOBSONEXECUTIVE DIRECTOR
GERECIA JACKSON EDMONDHOUSING MANAGER
AHMED BURTONHOUSING COORDINATOR
+1243 64Rental Units
CLT Owner Units
Units by 2017
The DBCLT Atlantic Park Square Project along SW 14th Avenue will consist of 22 single family homes upon completion with three to four bedrooms rear-and-side loaded garages and large elevated porches Of the 22 planned 21 have been completed and sold with one lot remaining It is a true example of how the DBCLT City of Delray Beach and Delray Beach CRA can partner to create something spectacular
ldquoWe continue to work together The organization is accountable the dedication is there and we have made affordable housing a reality for very-low- to moderate-income householdsrdquo said Dobson As housing prices increase Evelyn and Gary look forward to a very bright future The CLT model is working thanks to the hard work and dedication of the team and partners
1510 Years of Community Land Trusts in South Florida April 2016
HEARTFELT FLORIDA HOUSING CLTDEVELOPING THRIVING STABLE COMMUNITIES THROUGH THE ACQUISITION OF LAND amp THE CREATION amp STEWARDSHIP OF PERMANENTLY AFFORDABLE HOUSING FOR LOW- TO MODERATE-INCOME INDIVIDUALS
Ocean Breeze West sounds like a tropical paradise and for the residents there it is The development is constructed on a 45 acre site which was destroyed by the hurricanes of 2004 and now has 21 new single-family homes located in the heart of Boynton It is the first Heartfelt Florida Housing Community Land Trust (HFHCLT) mixed-income development aimed at an innovative socially responsible and sustainable solutions to the lack of affordable housing opportunities in South Palm Beach
After 25 years of serving South Palm Beach the local affiliate of Habitat for Humanity decided to utilize the community land trust model and the nonprofit Heartfelt Florida Housing Community Land Trust (HFHCLT) was founded in 2010
Mike Williams Associate Executive Director at Habitat for Humanity of South Palm Beach County shared his vision when he stated ldquoThe impact of having a decent place to live especially for kids who do so much better
16 SOUTH FLORIDA COMMUNITY LAND TRUST NETWORK
181 SE 5th Avenue Delray Beach561-819-6070wwwheartfeltcltorg
BOARD OF DIRECTORS
JEREMY AHWEE PRESIDENT
MIKE CAMPBELLSECRETARY
PAMELA OWENS TREASURER
WANESTA BUSH MEMBER
DIANA HILLMAN MEMBER
ROJUANA MOSSMEMBER
MIKE OWEN MEMBER
STAFFDONNA WALDRONEXECUTIVE DIRECTOR
when they have a place to study and thrive and the parents themselves who donrsquot have to worry about a landlord or where they will live next month and being able to address that is the greatest motivationrdquo
The focus of the land trust is to make these homes permanently affordable The homeowners are granted a long-term ground lease with their home purchase and can stay there for its duration If they choose to sell a formula is used to allow a limited but fair return to the seller while keeping the structure affordable for the next buyer ensuring perpetual affordability
In addition to the goal of perpetual affordability Heartfelt works with its present and future residents to safeguard the homes and maintain the security of its occupants Ocean Breeze West brings new hope to the entire community It provides an opportunity for working families to return to a neighborhood that lost residents when the former buildings were rendered uninhabitable
Yet HFHCLT isnrsquot satisfied that enough has been done They are committed to the expansion of their acquisition and development program According to Mike HFHCLT is working with the City of Delray in looking at a couple of areas to do bigger developments
HFHCLT is paving the way to preserving the quality affordability and economic diversity of housing for residents of South Palm Beach County Florida
27CLT Owner Units
+18Units by 2017
1710 Years of Community Land Trusts in South Florida April 2016
SOUTH FLORIDA CLTPROVIDING AND PRESERVING QUALITY SUSTAINABLE AFFORDABLE HOUSING FOR UNDERSERVED POPULATIONS IN SOUTH FLORIDA When driving through the quiet neighborhoods of South Florida you notice houses transformed into homes with families making memories inside But what you donrsquot notice is the history as to how these families got there Behind that brick and concrete is something even stronger Perseverance
It is this adjective that weaves throughout the South Florida Community Land Trust (SFCLT) foundation SFCLT has assisted over 100 individuals to find a home But achieving this goal wasnrsquot always easy
ldquoOur first project was the most challengingrdquo said Mandy Bartle SFCLT Executive Director ldquoWe bought an apartment building in a nice wealthy community There was a lot of resistance from the neighbors and commissioners for developing affordable housing in the neighborhood After we
remodeled the apartments we them showed how beautiful it was and started getting calls from the community about moving in We were able to change perceptions about what affordable housing doesrdquo
Through hard work and perseverance Mandy and her team grew the South Florida Community Land Trust into what it is today
South Florida Community Land Trust is a nonprofit corporation that develops and preserves affordable housing in South Florida It is one of the few organizations in South Florida that is focused on creating a permanent source of affordable housing to help both current and future homeowners They work to help South Florida residents afford a home without compromising on safety or quality
1007 N Federal HWY 2999547691731wwwsouthfloridacltorg
BOARD OF DIRECTORS
GIOVANNI MOSSPRESIDENT
MARCIE OPPENHEIMER NOLANVICE PRESIDENT
JERRY HENISERTREASURER
SANDRA EINHORNSECRETARY
MARCIA BARRY-SMITH
MONICA NAVARRO
STEVE WERTHMAN
STAFFMANDY SPANGLER BARTLEEXECUTIVE DIRECTOR
MATT WEISSPROPERTY MANAGER
ANNA MCMASTERPROGRAM MANAGER
+15
SFCLT was formed in 2006 a time plagued with high unemployment rates and banks hesitant to loan Yet the team persevered They were able to advocate to the banks to offer loans to their homeowners
The future is very bright for SFCLT They have plans to expand to Miami Florida within two years Despite the various challenges SFCLT knows they need to be there
ldquoNumerous reports have cited the need as it is one of few major metropolitan areas in the country without a CLT We are one of a number of groups trying to change thatrdquo said Bartle ldquoThere are CLTrsquos in Monroe Palm Beach and Broward Counties and Miami is one of the most expensive markets- thatrsquos why the need is so greatrdquo
South Florida Community Land Trust will continue to make a difference in the lives of South Florida residents and hopefully one day the residents of Miami-Dade County
46 8Rental Units
CLT Owner Units
Units by 2017
1910 Years of Community Land Trusts in South Florida April 2016
HOUSING LEADERSHIP COUNCIL OF PALM BEACH COUNTY
SFCLTN PARTNER ORGANIZATIONS
It can be easy to take advantage of a warm bed shelter during a storm a place to call home These are things we have been given since we could remember However it is the team at the Housing Leadership Council of Palm Beach County (HLCPBC) that remind us that lifersquos ldquosimplicitiesrdquo are actually quite difficult to obtain
In July 2006 the Workforce Housing Needs Assessment released a shocking report on the depth and severity of the housing market in Palm Beach County They found approximately 60 percent of Palm Beach County residents earn less than 50 percent of the area median income With such high numbers many low to mid-size earners were struggling financially to obtain or keep their homes
The report called for each county and municipality to develop a comprehensive housing policy that addresses the urgent need of expanding and preserving the inventory of affordable housing Immediately the Housing Leadership of Palm Beach County was born with a mission that housing is attainable for the workforce at all income levels through education advocacy and facilitating collaboration
Ten years later the organization continues thrive off that mission Since 2007 the Housing Leadership Council has been working on important collaborative efforts that ensure we address the current issues of stabilizing neighborhoods and making sure we have an adequate supply of workforce housing in our community
They remind us each day that we all need a place to call home
wwwhlcpbcorg
20 SOUTH FLORIDA COMMUNITY LAND TRUST NETWORK
ADOPT-A-FAMILY OF THE PALM BEACHES
HOUSING PARTNERSHIP
NEIGHBORHOOD RENAISSANCE
Research | Design | Programming
wwwadoptafamilypbcorg
Adopt-A-Family is a 501c3 nonprofit charitable organization dedicated to strengthening families with children in their efforts to achieve stability and self-sufficiency by providing access to all-encompassing services
wwwneighborhoodrenaissanceorg
Neighborhood Renaissance Inc is a nonprofit community based organization dedicated to building and supporting strong economies and diverse communities in Palm Beach County They do so by creating workforce housing opportunities jobs and small business prospects for low and moderate income persons
9 CLT HOMEOWNERSHIP UNITS45 PERMANENTLY AFFORDABLE RENTAL UNITS
wwwcp-ctoorghousing-partnership
Housing Partnership Inc a member of Community Partners began in 1986 and has come to believe that finding impactful solutions to complex community issues requires an approach that is both holistic and focused In all that they do they strive to work with the person in the context of their family and with the family in the context of their community
1 CLT HOMEOWNERSHIP UNIT9 PERMANENTLY AFFORDABLE RENTAL UNITS
2110 Years of Community Land Trusts in South Florida April 2016
The South Florida Community Land Trust Network (SFCLTN) is a collaborative comprised of Community Land Trusts and key partner organizations operating in South Florida
SFCLTN LeadHousing Leadership Council of Palm Beach County | wwwhlcpbcorg
Community Land Trust MembersCommunity Land Trust of Palm Beach County |wwwcltofpbcorgDelray Beach Community Land Trust | wwwdelraylandtrustorgHeartfelt Florida Housing Community Land Trust | wwwheartfeltcltorgSouth Florida Community Land Trust | wwwsouthfloridacltorg
Partner OrganizationsAdopt-A-Family of the Palm Beaches | wwwadoptafamilypbcorgHousing Partnership | wwwcp-ctoorghousing-partnershipNeighborhood Renaissance | wwwneighborhoodrenaissanceorg
THE SOUTH FLORIDA COMMUNITY LAND TRUSTNETWORK
PEOPLE CITIES COMMUNITIES
In markets that are slowly appreciating CLT properties become more affordable over time
THE CLT MODEL WORKS IN ANY MARKET AND IN ANY COMMUNITY
CLTs provide homeownership that is affordable while giving households the opportunity to build equity and wealth
CLT housing remains affordable without additional subsidy for future buyers In fact the subsidy value increases over time
CLTs can help stabilize communities increase homeownership rates and protect neighborhoods facing gentrification
THE CLT MODEL BALANCES AND SUPPORTS THE NEEDS OF PEOPLE CITIES amp COMMUNITIES
In rapidly appreciating markets the value of CLT subsidy will substantially increase over time
In stabilized communities CLTs provide access to opportunities such as jobs transit and good schools
In transitional revitalizing neighborhoods CLTs can prevent gentrification and allow families to remain in their community
In weaker markets CLTs can stabilize communities by increasing homeownership and preventing foreclosures
310 Years of Community Land Trusts in South Florida April 2016
Community Land Trusts throughout South Florida have helped people own or rent homes in more than 20 cities across Palm Beach and Broward Counties
Unit counts and data includes only units developed by the Community Land Trust of Palm Beach County Delray Beach Community Land Trust Heartfelt Florida Housing Community Land Trust and South Florida Community Land Trust
336units will be built or occupied by the end of 2016 in Broward and Palm Beach Counties
38additional units are projected to be developed by 2017
THE SOUTH FLORIDA COMMUNITY LAND TRUSTNETWORK
The South Florida Community Land Trust Network (SFCLTN) formed in 2012 about 6 years after the first CLT home was developed in the region The group came together to address collective challenges share resources and to incubate permanently affordable housing options in a time when the region was ravaged and reeling from the Great Recession
By forming this Network the organizations involved have leveraged resources to expand their collective footprints cultivate increased capacity and maximize impact The group is lead by the Housing Leadership Council of Palm Beach County and includes four CLTs and numerous partner organizations
510 Years of Community Land Trusts in South Florida April 2016
PARTNERINGWITH
CORNERSTONE HOMEOWNERSHIP
INNOVATION PROGRAM (CHIP)
While newly formed SFCLTN is already a driving force in the national landscape SFCLTN was one of only eight groups - and the only consortium - accepted into the Cornerstone Homeowner Innovation Program (CHIP) a highly competitive national grant program funded by the Social Innovation Fund and the Ford Foundation CHIP provided SFCLTN with four years of capacity building support that has had an incalculable impact in advancing the CLT Model and permanently affordable housing here in South Florida
INCREASING MUNICIPAL
SUPPORT
CLTs protect public investments by ensuring the long-term preservation of government subsidies and by maintaining the quality of housing overtime Therefore the SFCLTN works to increase municipal support for the CLT Model and subsidy preservation through education and research A recent report commissioned by SFCLTN found that If subsidies are retained through the CLT Model the local government investment will increase by 140 overtime
Rebecca Walter PhD Carla Fink PhD and Sarah Jones Graduate Assistant The University of Texas at San Antonio Subsidy Retention versus Subsidy Recapture Strengthening Partnerships between South Florida Community Land Trusts and Local Governments
SFCLTN ACCOMPLISHMENTS
ldquoThe SFCLTN got started because we recognized that we could do so much more together Each organization serves its own geographic area and our program
services vary to some degree but at the beginning and at the end of the day we all provide very affordable housing to low and moderate income householdsrdquo
- Evelyn Dobson Delray Beach Community Land Trust
6 SOUTH FLORIDA COMMUNITY LAND TRUST NETWORK
GETTING THE WORD OUT
CLTs are a proven model for protecting affordability and have been employed over 250 communities across the county However the model is still relatively new in South Florida with the first CLTs forming 10 years ago To get the word out SFCLTN organizations delved into a CLT educational series targeting specific groups including real estate agents homebuyer counsellors and local government groups The goal was to educate stakeholders on the model and identify opportunities to partner Since forming the coalition has been featured at numerous local state and national conferences including at the 2014 FDIC Roundtable and the 27th Annual Statewide Florida Housing Conference The SFCLTN also produced a high quality video titled ldquoCommunity Land Trusts Where Home Isrdquo to highlight how residents have been impacted and share the importance and need for the CLT model in South Florida
EDUCATING PROSPECTIVE
BUYERS
Itrsquos important for prospective buyers to be well informed on the CLT model To that end SFCLTN members developed a Regional CLT Homebuyer Guide available in English Spanish and Creole In addition the group partnered with MBS Consulting Services to develop a stand-alone training module for all housing counselling agencies This CLT curriculum is now included in most local first-time homebuyer workshops
LENDING FOR CLTS
CLT loans are proven to be less risky than traditional financing However after the housing bubble burst many local lenders were lost and others became incredibly risk-averse One of the biggest achievements of the SFCLTN was bringing lenders back to the table with the assistance of the National CLT Network Florida Community Land Trust Institute and MBS Consulting Services This group hosted a lending forum and by the end of that day had two committed lenders Now we have seven active and ten approved lenders who are committed to the process Based on this huge success similar CLT lending forums have been replicated throughout the state and nation
710 Years of Community Land Trusts in South Florida April 2016
5REASONS SOUTH FLORIDA NEEDS COMMUNITY LAND TRUSTS
Housing is the single largest expense a household faces To understand the full picture of housing affordability measuring the share of a householdrsquos income spent on housing is more telling than simply comparing expenses Households spending more than 30 of their income on housing costs are considered housing cost-burdened those spending more that 50 are severely cost-burdened
By these measures 47 of households in the tri-county region are housing cost-burdened and over half of those households are severely cost-burdened ndash the highest percentage in the country This gap between income and the cost of housing continues to widen in South Florida
The result is a region where nearly half of all households struggle to maintain stable housing often foregoing other essentials including healthy food education or healthcare Community Land Trusts provide a long-term solution to bridge the gap between what households can afford and what the market provides
2015 State of the Nationrsquos Housing by the Joint Center for Housing Studies of Harvard University
01 ADDRESSING HIGH HOUSING COST
8 SOUTH FLORIDA COMMUNITY LAND TRUST NETWORK
65 decline in homeownership since 2006
A telling indicator of the state of our regionrsquos housing is the steep drop in homeownership While all but one metropolitan market experienced declines in homeownership between 2006 and 2013 South Florida had the sixth highest decline in the nation by 65 Some of this is undoubtedly related to the housing boom and bust stricter lending standards and generational choices Itrsquos also attributable to the fact that many are struggling to save for a down payment due to overwhelming rental costs and debt
Decreased opportunities for homeownership has negative impacts on economic outcomes particularly wealth accumulation Community Land Trusts can provide a stepping stool to get people out of renting and into homeownership Through a shared-equity model CLT homeowners are building wealth
2015 State of the Nationrsquos Housing by the Joint Center for Housing Studies of Harvard University
02 INCREASING HOMEOWNERSHIP OPPORTUNITIES
03 LINKING HOUSING AND TRANSIT
South Florida is quickly expanding its transportation infrastructure to improve mobility and connectivity in South Florida There is an opportunity to link those positive changes to increased access to housing that is affordable The time to make that link is now
Beyond housing the second highest cost a family faces is transportation In South Florida the combined burden of housing and transportation costs for moderate-income renters and homeowners is the highest in the country eating up an average of 72 cents of each dollar earned
CLTs can and should play a critical role in ensuring that housing near transportation options in South Florida remains accessible to mixed-income households now and into the future
ldquoLosing Ground The Struggle of Moderate-Income Households to Afford the Rising Costs of Housing and Transportationrdquo Center for Housing Policy amp Center for Neighborhood Technology
910 Years of Community Land Trusts in South Florida April 2016
In most affordable homeownership programs public investments or subsidies are given in the form of down-payment assistance that is eventually forgiven or ldquorecapturedrdquo when the benefiting homeowner sells the home However in a housing market like South Floridarsquos where housing appreciates more quickly than incomes rise the amount of subsidy needed for subsequent homeowners will be greater than the amount recaptured Thus the value of recaptured subsidies diminishes over time fewer homeowners can be assisted and the affordability of homes is lost
CLTs on the other hand function to protect both affordability and public investments by recycling the subsidy from one buyer to the next generation after generation forever Particularly in a time when funding for housing is diminishing and demand is growing ensuring public investments have a sustained impact like this is critical
04 PRESERVING PUBLIC INVESTMENTS
$$$
TIME
COST OF MARKET RATE HOUSINGSubsidy retained with the
property COST OF CLT HOUSING
INCOME
CLTs function to protect both affordability amp public investments by recycling the subsidy from one buyer to the next generation after generation forever
10 SOUTH FLORIDA COMMUNITY LAND TRUST NETWORK
05 ADDING ECONOMIC VALUE
Developing affordable housing builds more than just homes ndash itrsquos a proven economic driver that increases spending and employment in the surrounding economy Moreover without an adequate supply of affordable housing employers ndash and entire regional job markets ndash are disadvantaged due to their inability to attract and retain workers Affordable housing also improves educational outcomes by allowing families access to high performing schools and reducing unwanted moves
Affordable housing not only builds the economy but is also a stabilizing force A national survey finds that CLT homeowners are eight times less likely to be in the process of foreclosure than owners of market-rate homes The lower incidence of foreclosure among CLT homes in turn represents significant direct and indirect cost savings for municipalities in avoiding potential foreclosures
Thaden Emily 2010 June 7 Outperforming the Market Making Sense of the Low Rates of Delinquencies and Foreclosures in Community Land Trusts Nashville TN Peabody College Vanderbilt University
ldquoThe fact that the land is not counted in the price of the home in and of itself immediately establishes CLT homes as attainable In addition the fact that CLTs continues to support homeowners after homes are purchased is to me one of the strongest yet least visible pillars of the modelrdquo
- Marcia Barry-Smith MBS Consulting Services amp H2H Founder
1110 Years of Community Land Trusts in South Florida April 2016
INCREASING THE PERMANENT SUPPLY OF AFFORDABLE HOUSING IN PALM BEACH COUNTY THROUGHbull Land acquisition housing development preservation
bull Create a permanent supply of both rental and homeownership opportunities
bull Develop the community land trust model as an effective tool in meeting the long term affordable housing needs of Palm Beach County residents
bull Create vibrant mixed-income communities
bull Undertake a client focused approach to community development
bull Create sustainable communities
bull Collaborate
CLT OF PALM BEACH COUNTY
12 SOUTH FLORIDA COMMUNITY LAND TRUST NETWORK
4938 Davis Road Lake Worth561-318-8442wwwcltofpbcorg
BOARD OF DIRECTORSHAZEL LUCAS ESQPRESIDENT
TIMOTHY WHEAT VICE PRESIDENT
ANDREW ZEEMANTREASURER
ANGELA USHERSECRETARY
DOROTHY ELLINGTON
TANGENICA HENRY
VICE MAYOR SCOTT MAXWELL
TAMMY MCDONALD ANDERSON
SEMENTHA SANTANGELO
MAYOR SHANIQUE SCOTT
SHEMERRIA BURGESS
RANDY WERTEPNY
STAFFCINDEE LACOURSE-BLUMEXECUTIVE DIRECTOR
TANYA WARD BENGAMINHOUSING MANAGER
One defining feature in the idea of community is that its members affect each otherrsquos quality of life Nowhere is this demonstrated better and in a more positive manner than by the Community Land Trust of Palm Beach County (CLT of PBC) This countywide nonprofit organizationrsquos aim is to provide permanently affordable housing opportunities for its residents
ldquoIn general the understanding that humans need homes to both survive and thrive motivates me to work in affordable housingrdquo Cindee LaCourse-Blum Executive Director explained Clearly there is a desperate need High housing costs and slow wage growth have made the area unaffordable for many
The CLT of PBC was initiated in 2006 by Palm Beach County but rapidly became a community project with a wide range of founding members including Gold Coast Builders Association Palm Beach County League of Cities Business Development Board Business Forum of Palm Beach County Florida Rural Legal Services Community Financing Consortium Adopt-A-Family of the Palm Beaches Inc South Florida LISC We Help Community Development Inc Fair Housing Center of the Greater Palm Beaches Urban League of Palm Beach County Housing Partnership North Palm Beach Chamber of Commerce and the School District of Palm Beach County
These groups pulled together with the goal of creating vibrant mixed-income sustainable communities with a permanent supply of both rental and homeownership opportunities
Now with 108 total units throughout central Palm Beach County the dream is coming to fruition Itrsquos easy to see that the CLT of PBC serves as a successful model for demonstrating the power of a community and its ability do great things
+3380 28Rental Units
CLT Owner Units
Units by 2017
1310 Years of Community Land Trusts in South Florida April 2016
Love what you do and you will never work a day in your life Itrsquos a common quote not often practiced by many However Evelyn Dobson Executive Director of Delray Beach Community Land Trust (DBCLT) and Gary Eliopoulos Chairman of the Board seem to live by this motto
ldquoI feel like I finally found my niche in what I do because I know what it feels like to dream of becoming a homeowner and at times feeling that it may never happenrdquo said Evelyn Dobson when describing her job ldquoTo see the smile on the homeowners face when they get the keys to their home is the most rewarding feelingrdquo
Gary shares the same sentiment describing that the DBCLT was the perfect fit for him Itrsquos a feeling that kept their door open despite difficult times
The organization was formed in 2006 During the Great Recession DBCLT operated with a limited staff worked tirelessly with lending institutes and refused to give up ldquoTo be able to say that we are still operating after the Great Recession is our organizations greatest accomplishmentrdquo said Gary Eliopoulos
ldquoWe sustained the housing program services provided by the organization and that is of most importancerdquo
Fast-forward ten years and the team has served more than 500 households and currently stewards and manages 107 units including single-family homes townhomes and rentals However Evelyn and Gary refuse to stop there
DELRAY BEACH CLT
FOSTERING HEALTHY COMMUNITIES THROUGH THE CREATION STABILIZATION AND PRESERVATION OF QUALITY LONG-TERM AFFORDABLE HOUSING
14 SOUTH FLORIDA COMMUNITY LAND TRUST NETWORK
145 SW 12th Avenue Delray Beach561-243-7500 wwwdelraylandtrustorg
BOARD OF DIRECTORSGARY P ELIOPOULOSPRESIDENT
KIMBERLY CAMEJOVICE PRESIDENT
DYSONYA MITCHELLTREASURER
MORRIE WEINMANSECRETARY
ARTHUR BROWN
POLK COTTON
CHERYL HAYWOOD
VICKI HILL
ANTHONY HOLLIDAY JR
ELTON MCGOWAN JR
KIMBERLY MORRIS
PATRICIA WRIGHT
STAFF
EVELYN DOBSONEXECUTIVE DIRECTOR
GERECIA JACKSON EDMONDHOUSING MANAGER
AHMED BURTONHOUSING COORDINATOR
+1243 64Rental Units
CLT Owner Units
Units by 2017
The DBCLT Atlantic Park Square Project along SW 14th Avenue will consist of 22 single family homes upon completion with three to four bedrooms rear-and-side loaded garages and large elevated porches Of the 22 planned 21 have been completed and sold with one lot remaining It is a true example of how the DBCLT City of Delray Beach and Delray Beach CRA can partner to create something spectacular
ldquoWe continue to work together The organization is accountable the dedication is there and we have made affordable housing a reality for very-low- to moderate-income householdsrdquo said Dobson As housing prices increase Evelyn and Gary look forward to a very bright future The CLT model is working thanks to the hard work and dedication of the team and partners
1510 Years of Community Land Trusts in South Florida April 2016
HEARTFELT FLORIDA HOUSING CLTDEVELOPING THRIVING STABLE COMMUNITIES THROUGH THE ACQUISITION OF LAND amp THE CREATION amp STEWARDSHIP OF PERMANENTLY AFFORDABLE HOUSING FOR LOW- TO MODERATE-INCOME INDIVIDUALS
Ocean Breeze West sounds like a tropical paradise and for the residents there it is The development is constructed on a 45 acre site which was destroyed by the hurricanes of 2004 and now has 21 new single-family homes located in the heart of Boynton It is the first Heartfelt Florida Housing Community Land Trust (HFHCLT) mixed-income development aimed at an innovative socially responsible and sustainable solutions to the lack of affordable housing opportunities in South Palm Beach
After 25 years of serving South Palm Beach the local affiliate of Habitat for Humanity decided to utilize the community land trust model and the nonprofit Heartfelt Florida Housing Community Land Trust (HFHCLT) was founded in 2010
Mike Williams Associate Executive Director at Habitat for Humanity of South Palm Beach County shared his vision when he stated ldquoThe impact of having a decent place to live especially for kids who do so much better
16 SOUTH FLORIDA COMMUNITY LAND TRUST NETWORK
181 SE 5th Avenue Delray Beach561-819-6070wwwheartfeltcltorg
BOARD OF DIRECTORS
JEREMY AHWEE PRESIDENT
MIKE CAMPBELLSECRETARY
PAMELA OWENS TREASURER
WANESTA BUSH MEMBER
DIANA HILLMAN MEMBER
ROJUANA MOSSMEMBER
MIKE OWEN MEMBER
STAFFDONNA WALDRONEXECUTIVE DIRECTOR
when they have a place to study and thrive and the parents themselves who donrsquot have to worry about a landlord or where they will live next month and being able to address that is the greatest motivationrdquo
The focus of the land trust is to make these homes permanently affordable The homeowners are granted a long-term ground lease with their home purchase and can stay there for its duration If they choose to sell a formula is used to allow a limited but fair return to the seller while keeping the structure affordable for the next buyer ensuring perpetual affordability
In addition to the goal of perpetual affordability Heartfelt works with its present and future residents to safeguard the homes and maintain the security of its occupants Ocean Breeze West brings new hope to the entire community It provides an opportunity for working families to return to a neighborhood that lost residents when the former buildings were rendered uninhabitable
Yet HFHCLT isnrsquot satisfied that enough has been done They are committed to the expansion of their acquisition and development program According to Mike HFHCLT is working with the City of Delray in looking at a couple of areas to do bigger developments
HFHCLT is paving the way to preserving the quality affordability and economic diversity of housing for residents of South Palm Beach County Florida
27CLT Owner Units
+18Units by 2017
1710 Years of Community Land Trusts in South Florida April 2016
SOUTH FLORIDA CLTPROVIDING AND PRESERVING QUALITY SUSTAINABLE AFFORDABLE HOUSING FOR UNDERSERVED POPULATIONS IN SOUTH FLORIDA When driving through the quiet neighborhoods of South Florida you notice houses transformed into homes with families making memories inside But what you donrsquot notice is the history as to how these families got there Behind that brick and concrete is something even stronger Perseverance
It is this adjective that weaves throughout the South Florida Community Land Trust (SFCLT) foundation SFCLT has assisted over 100 individuals to find a home But achieving this goal wasnrsquot always easy
ldquoOur first project was the most challengingrdquo said Mandy Bartle SFCLT Executive Director ldquoWe bought an apartment building in a nice wealthy community There was a lot of resistance from the neighbors and commissioners for developing affordable housing in the neighborhood After we
remodeled the apartments we them showed how beautiful it was and started getting calls from the community about moving in We were able to change perceptions about what affordable housing doesrdquo
Through hard work and perseverance Mandy and her team grew the South Florida Community Land Trust into what it is today
South Florida Community Land Trust is a nonprofit corporation that develops and preserves affordable housing in South Florida It is one of the few organizations in South Florida that is focused on creating a permanent source of affordable housing to help both current and future homeowners They work to help South Florida residents afford a home without compromising on safety or quality
1007 N Federal HWY 2999547691731wwwsouthfloridacltorg
BOARD OF DIRECTORS
GIOVANNI MOSSPRESIDENT
MARCIE OPPENHEIMER NOLANVICE PRESIDENT
JERRY HENISERTREASURER
SANDRA EINHORNSECRETARY
MARCIA BARRY-SMITH
MONICA NAVARRO
STEVE WERTHMAN
STAFFMANDY SPANGLER BARTLEEXECUTIVE DIRECTOR
MATT WEISSPROPERTY MANAGER
ANNA MCMASTERPROGRAM MANAGER
+15
SFCLT was formed in 2006 a time plagued with high unemployment rates and banks hesitant to loan Yet the team persevered They were able to advocate to the banks to offer loans to their homeowners
The future is very bright for SFCLT They have plans to expand to Miami Florida within two years Despite the various challenges SFCLT knows they need to be there
ldquoNumerous reports have cited the need as it is one of few major metropolitan areas in the country without a CLT We are one of a number of groups trying to change thatrdquo said Bartle ldquoThere are CLTrsquos in Monroe Palm Beach and Broward Counties and Miami is one of the most expensive markets- thatrsquos why the need is so greatrdquo
South Florida Community Land Trust will continue to make a difference in the lives of South Florida residents and hopefully one day the residents of Miami-Dade County
46 8Rental Units
CLT Owner Units
Units by 2017
1910 Years of Community Land Trusts in South Florida April 2016
HOUSING LEADERSHIP COUNCIL OF PALM BEACH COUNTY
SFCLTN PARTNER ORGANIZATIONS
It can be easy to take advantage of a warm bed shelter during a storm a place to call home These are things we have been given since we could remember However it is the team at the Housing Leadership Council of Palm Beach County (HLCPBC) that remind us that lifersquos ldquosimplicitiesrdquo are actually quite difficult to obtain
In July 2006 the Workforce Housing Needs Assessment released a shocking report on the depth and severity of the housing market in Palm Beach County They found approximately 60 percent of Palm Beach County residents earn less than 50 percent of the area median income With such high numbers many low to mid-size earners were struggling financially to obtain or keep their homes
The report called for each county and municipality to develop a comprehensive housing policy that addresses the urgent need of expanding and preserving the inventory of affordable housing Immediately the Housing Leadership of Palm Beach County was born with a mission that housing is attainable for the workforce at all income levels through education advocacy and facilitating collaboration
Ten years later the organization continues thrive off that mission Since 2007 the Housing Leadership Council has been working on important collaborative efforts that ensure we address the current issues of stabilizing neighborhoods and making sure we have an adequate supply of workforce housing in our community
They remind us each day that we all need a place to call home
wwwhlcpbcorg
20 SOUTH FLORIDA COMMUNITY LAND TRUST NETWORK
ADOPT-A-FAMILY OF THE PALM BEACHES
HOUSING PARTNERSHIP
NEIGHBORHOOD RENAISSANCE
Research | Design | Programming
wwwadoptafamilypbcorg
Adopt-A-Family is a 501c3 nonprofit charitable organization dedicated to strengthening families with children in their efforts to achieve stability and self-sufficiency by providing access to all-encompassing services
wwwneighborhoodrenaissanceorg
Neighborhood Renaissance Inc is a nonprofit community based organization dedicated to building and supporting strong economies and diverse communities in Palm Beach County They do so by creating workforce housing opportunities jobs and small business prospects for low and moderate income persons
9 CLT HOMEOWNERSHIP UNITS45 PERMANENTLY AFFORDABLE RENTAL UNITS
wwwcp-ctoorghousing-partnership
Housing Partnership Inc a member of Community Partners began in 1986 and has come to believe that finding impactful solutions to complex community issues requires an approach that is both holistic and focused In all that they do they strive to work with the person in the context of their family and with the family in the context of their community
1 CLT HOMEOWNERSHIP UNIT9 PERMANENTLY AFFORDABLE RENTAL UNITS
2110 Years of Community Land Trusts in South Florida April 2016
The South Florida Community Land Trust Network (SFCLTN) is a collaborative comprised of Community Land Trusts and key partner organizations operating in South Florida
SFCLTN LeadHousing Leadership Council of Palm Beach County | wwwhlcpbcorg
Community Land Trust MembersCommunity Land Trust of Palm Beach County |wwwcltofpbcorgDelray Beach Community Land Trust | wwwdelraylandtrustorgHeartfelt Florida Housing Community Land Trust | wwwheartfeltcltorgSouth Florida Community Land Trust | wwwsouthfloridacltorg
Partner OrganizationsAdopt-A-Family of the Palm Beaches | wwwadoptafamilypbcorgHousing Partnership | wwwcp-ctoorghousing-partnershipNeighborhood Renaissance | wwwneighborhoodrenaissanceorg
THE SOUTH FLORIDA COMMUNITY LAND TRUSTNETWORK
Community Land Trusts throughout South Florida have helped people own or rent homes in more than 20 cities across Palm Beach and Broward Counties
Unit counts and data includes only units developed by the Community Land Trust of Palm Beach County Delray Beach Community Land Trust Heartfelt Florida Housing Community Land Trust and South Florida Community Land Trust
336units will be built or occupied by the end of 2016 in Broward and Palm Beach Counties
38additional units are projected to be developed by 2017
THE SOUTH FLORIDA COMMUNITY LAND TRUSTNETWORK
The South Florida Community Land Trust Network (SFCLTN) formed in 2012 about 6 years after the first CLT home was developed in the region The group came together to address collective challenges share resources and to incubate permanently affordable housing options in a time when the region was ravaged and reeling from the Great Recession
By forming this Network the organizations involved have leveraged resources to expand their collective footprints cultivate increased capacity and maximize impact The group is lead by the Housing Leadership Council of Palm Beach County and includes four CLTs and numerous partner organizations
510 Years of Community Land Trusts in South Florida April 2016
PARTNERINGWITH
CORNERSTONE HOMEOWNERSHIP
INNOVATION PROGRAM (CHIP)
While newly formed SFCLTN is already a driving force in the national landscape SFCLTN was one of only eight groups - and the only consortium - accepted into the Cornerstone Homeowner Innovation Program (CHIP) a highly competitive national grant program funded by the Social Innovation Fund and the Ford Foundation CHIP provided SFCLTN with four years of capacity building support that has had an incalculable impact in advancing the CLT Model and permanently affordable housing here in South Florida
INCREASING MUNICIPAL
SUPPORT
CLTs protect public investments by ensuring the long-term preservation of government subsidies and by maintaining the quality of housing overtime Therefore the SFCLTN works to increase municipal support for the CLT Model and subsidy preservation through education and research A recent report commissioned by SFCLTN found that If subsidies are retained through the CLT Model the local government investment will increase by 140 overtime
Rebecca Walter PhD Carla Fink PhD and Sarah Jones Graduate Assistant The University of Texas at San Antonio Subsidy Retention versus Subsidy Recapture Strengthening Partnerships between South Florida Community Land Trusts and Local Governments
SFCLTN ACCOMPLISHMENTS
ldquoThe SFCLTN got started because we recognized that we could do so much more together Each organization serves its own geographic area and our program
services vary to some degree but at the beginning and at the end of the day we all provide very affordable housing to low and moderate income householdsrdquo
- Evelyn Dobson Delray Beach Community Land Trust
6 SOUTH FLORIDA COMMUNITY LAND TRUST NETWORK
GETTING THE WORD OUT
CLTs are a proven model for protecting affordability and have been employed over 250 communities across the county However the model is still relatively new in South Florida with the first CLTs forming 10 years ago To get the word out SFCLTN organizations delved into a CLT educational series targeting specific groups including real estate agents homebuyer counsellors and local government groups The goal was to educate stakeholders on the model and identify opportunities to partner Since forming the coalition has been featured at numerous local state and national conferences including at the 2014 FDIC Roundtable and the 27th Annual Statewide Florida Housing Conference The SFCLTN also produced a high quality video titled ldquoCommunity Land Trusts Where Home Isrdquo to highlight how residents have been impacted and share the importance and need for the CLT model in South Florida
EDUCATING PROSPECTIVE
BUYERS
Itrsquos important for prospective buyers to be well informed on the CLT model To that end SFCLTN members developed a Regional CLT Homebuyer Guide available in English Spanish and Creole In addition the group partnered with MBS Consulting Services to develop a stand-alone training module for all housing counselling agencies This CLT curriculum is now included in most local first-time homebuyer workshops
LENDING FOR CLTS
CLT loans are proven to be less risky than traditional financing However after the housing bubble burst many local lenders were lost and others became incredibly risk-averse One of the biggest achievements of the SFCLTN was bringing lenders back to the table with the assistance of the National CLT Network Florida Community Land Trust Institute and MBS Consulting Services This group hosted a lending forum and by the end of that day had two committed lenders Now we have seven active and ten approved lenders who are committed to the process Based on this huge success similar CLT lending forums have been replicated throughout the state and nation
710 Years of Community Land Trusts in South Florida April 2016
5REASONS SOUTH FLORIDA NEEDS COMMUNITY LAND TRUSTS
Housing is the single largest expense a household faces To understand the full picture of housing affordability measuring the share of a householdrsquos income spent on housing is more telling than simply comparing expenses Households spending more than 30 of their income on housing costs are considered housing cost-burdened those spending more that 50 are severely cost-burdened
By these measures 47 of households in the tri-county region are housing cost-burdened and over half of those households are severely cost-burdened ndash the highest percentage in the country This gap between income and the cost of housing continues to widen in South Florida
The result is a region where nearly half of all households struggle to maintain stable housing often foregoing other essentials including healthy food education or healthcare Community Land Trusts provide a long-term solution to bridge the gap between what households can afford and what the market provides
2015 State of the Nationrsquos Housing by the Joint Center for Housing Studies of Harvard University
01 ADDRESSING HIGH HOUSING COST
8 SOUTH FLORIDA COMMUNITY LAND TRUST NETWORK
65 decline in homeownership since 2006
A telling indicator of the state of our regionrsquos housing is the steep drop in homeownership While all but one metropolitan market experienced declines in homeownership between 2006 and 2013 South Florida had the sixth highest decline in the nation by 65 Some of this is undoubtedly related to the housing boom and bust stricter lending standards and generational choices Itrsquos also attributable to the fact that many are struggling to save for a down payment due to overwhelming rental costs and debt
Decreased opportunities for homeownership has negative impacts on economic outcomes particularly wealth accumulation Community Land Trusts can provide a stepping stool to get people out of renting and into homeownership Through a shared-equity model CLT homeowners are building wealth
2015 State of the Nationrsquos Housing by the Joint Center for Housing Studies of Harvard University
02 INCREASING HOMEOWNERSHIP OPPORTUNITIES
03 LINKING HOUSING AND TRANSIT
South Florida is quickly expanding its transportation infrastructure to improve mobility and connectivity in South Florida There is an opportunity to link those positive changes to increased access to housing that is affordable The time to make that link is now
Beyond housing the second highest cost a family faces is transportation In South Florida the combined burden of housing and transportation costs for moderate-income renters and homeowners is the highest in the country eating up an average of 72 cents of each dollar earned
CLTs can and should play a critical role in ensuring that housing near transportation options in South Florida remains accessible to mixed-income households now and into the future
ldquoLosing Ground The Struggle of Moderate-Income Households to Afford the Rising Costs of Housing and Transportationrdquo Center for Housing Policy amp Center for Neighborhood Technology
910 Years of Community Land Trusts in South Florida April 2016
In most affordable homeownership programs public investments or subsidies are given in the form of down-payment assistance that is eventually forgiven or ldquorecapturedrdquo when the benefiting homeowner sells the home However in a housing market like South Floridarsquos where housing appreciates more quickly than incomes rise the amount of subsidy needed for subsequent homeowners will be greater than the amount recaptured Thus the value of recaptured subsidies diminishes over time fewer homeowners can be assisted and the affordability of homes is lost
CLTs on the other hand function to protect both affordability and public investments by recycling the subsidy from one buyer to the next generation after generation forever Particularly in a time when funding for housing is diminishing and demand is growing ensuring public investments have a sustained impact like this is critical
04 PRESERVING PUBLIC INVESTMENTS
$$$
TIME
COST OF MARKET RATE HOUSINGSubsidy retained with the
property COST OF CLT HOUSING
INCOME
CLTs function to protect both affordability amp public investments by recycling the subsidy from one buyer to the next generation after generation forever
10 SOUTH FLORIDA COMMUNITY LAND TRUST NETWORK
05 ADDING ECONOMIC VALUE
Developing affordable housing builds more than just homes ndash itrsquos a proven economic driver that increases spending and employment in the surrounding economy Moreover without an adequate supply of affordable housing employers ndash and entire regional job markets ndash are disadvantaged due to their inability to attract and retain workers Affordable housing also improves educational outcomes by allowing families access to high performing schools and reducing unwanted moves
Affordable housing not only builds the economy but is also a stabilizing force A national survey finds that CLT homeowners are eight times less likely to be in the process of foreclosure than owners of market-rate homes The lower incidence of foreclosure among CLT homes in turn represents significant direct and indirect cost savings for municipalities in avoiding potential foreclosures
Thaden Emily 2010 June 7 Outperforming the Market Making Sense of the Low Rates of Delinquencies and Foreclosures in Community Land Trusts Nashville TN Peabody College Vanderbilt University
ldquoThe fact that the land is not counted in the price of the home in and of itself immediately establishes CLT homes as attainable In addition the fact that CLTs continues to support homeowners after homes are purchased is to me one of the strongest yet least visible pillars of the modelrdquo
- Marcia Barry-Smith MBS Consulting Services amp H2H Founder
1110 Years of Community Land Trusts in South Florida April 2016
INCREASING THE PERMANENT SUPPLY OF AFFORDABLE HOUSING IN PALM BEACH COUNTY THROUGHbull Land acquisition housing development preservation
bull Create a permanent supply of both rental and homeownership opportunities
bull Develop the community land trust model as an effective tool in meeting the long term affordable housing needs of Palm Beach County residents
bull Create vibrant mixed-income communities
bull Undertake a client focused approach to community development
bull Create sustainable communities
bull Collaborate
CLT OF PALM BEACH COUNTY
12 SOUTH FLORIDA COMMUNITY LAND TRUST NETWORK
4938 Davis Road Lake Worth561-318-8442wwwcltofpbcorg
BOARD OF DIRECTORSHAZEL LUCAS ESQPRESIDENT
TIMOTHY WHEAT VICE PRESIDENT
ANDREW ZEEMANTREASURER
ANGELA USHERSECRETARY
DOROTHY ELLINGTON
TANGENICA HENRY
VICE MAYOR SCOTT MAXWELL
TAMMY MCDONALD ANDERSON
SEMENTHA SANTANGELO
MAYOR SHANIQUE SCOTT
SHEMERRIA BURGESS
RANDY WERTEPNY
STAFFCINDEE LACOURSE-BLUMEXECUTIVE DIRECTOR
TANYA WARD BENGAMINHOUSING MANAGER
One defining feature in the idea of community is that its members affect each otherrsquos quality of life Nowhere is this demonstrated better and in a more positive manner than by the Community Land Trust of Palm Beach County (CLT of PBC) This countywide nonprofit organizationrsquos aim is to provide permanently affordable housing opportunities for its residents
ldquoIn general the understanding that humans need homes to both survive and thrive motivates me to work in affordable housingrdquo Cindee LaCourse-Blum Executive Director explained Clearly there is a desperate need High housing costs and slow wage growth have made the area unaffordable for many
The CLT of PBC was initiated in 2006 by Palm Beach County but rapidly became a community project with a wide range of founding members including Gold Coast Builders Association Palm Beach County League of Cities Business Development Board Business Forum of Palm Beach County Florida Rural Legal Services Community Financing Consortium Adopt-A-Family of the Palm Beaches Inc South Florida LISC We Help Community Development Inc Fair Housing Center of the Greater Palm Beaches Urban League of Palm Beach County Housing Partnership North Palm Beach Chamber of Commerce and the School District of Palm Beach County
These groups pulled together with the goal of creating vibrant mixed-income sustainable communities with a permanent supply of both rental and homeownership opportunities
Now with 108 total units throughout central Palm Beach County the dream is coming to fruition Itrsquos easy to see that the CLT of PBC serves as a successful model for demonstrating the power of a community and its ability do great things
+3380 28Rental Units
CLT Owner Units
Units by 2017
1310 Years of Community Land Trusts in South Florida April 2016
Love what you do and you will never work a day in your life Itrsquos a common quote not often practiced by many However Evelyn Dobson Executive Director of Delray Beach Community Land Trust (DBCLT) and Gary Eliopoulos Chairman of the Board seem to live by this motto
ldquoI feel like I finally found my niche in what I do because I know what it feels like to dream of becoming a homeowner and at times feeling that it may never happenrdquo said Evelyn Dobson when describing her job ldquoTo see the smile on the homeowners face when they get the keys to their home is the most rewarding feelingrdquo
Gary shares the same sentiment describing that the DBCLT was the perfect fit for him Itrsquos a feeling that kept their door open despite difficult times
The organization was formed in 2006 During the Great Recession DBCLT operated with a limited staff worked tirelessly with lending institutes and refused to give up ldquoTo be able to say that we are still operating after the Great Recession is our organizations greatest accomplishmentrdquo said Gary Eliopoulos
ldquoWe sustained the housing program services provided by the organization and that is of most importancerdquo
Fast-forward ten years and the team has served more than 500 households and currently stewards and manages 107 units including single-family homes townhomes and rentals However Evelyn and Gary refuse to stop there
DELRAY BEACH CLT
FOSTERING HEALTHY COMMUNITIES THROUGH THE CREATION STABILIZATION AND PRESERVATION OF QUALITY LONG-TERM AFFORDABLE HOUSING
14 SOUTH FLORIDA COMMUNITY LAND TRUST NETWORK
145 SW 12th Avenue Delray Beach561-243-7500 wwwdelraylandtrustorg
BOARD OF DIRECTORSGARY P ELIOPOULOSPRESIDENT
KIMBERLY CAMEJOVICE PRESIDENT
DYSONYA MITCHELLTREASURER
MORRIE WEINMANSECRETARY
ARTHUR BROWN
POLK COTTON
CHERYL HAYWOOD
VICKI HILL
ANTHONY HOLLIDAY JR
ELTON MCGOWAN JR
KIMBERLY MORRIS
PATRICIA WRIGHT
STAFF
EVELYN DOBSONEXECUTIVE DIRECTOR
GERECIA JACKSON EDMONDHOUSING MANAGER
AHMED BURTONHOUSING COORDINATOR
+1243 64Rental Units
CLT Owner Units
Units by 2017
The DBCLT Atlantic Park Square Project along SW 14th Avenue will consist of 22 single family homes upon completion with three to four bedrooms rear-and-side loaded garages and large elevated porches Of the 22 planned 21 have been completed and sold with one lot remaining It is a true example of how the DBCLT City of Delray Beach and Delray Beach CRA can partner to create something spectacular
ldquoWe continue to work together The organization is accountable the dedication is there and we have made affordable housing a reality for very-low- to moderate-income householdsrdquo said Dobson As housing prices increase Evelyn and Gary look forward to a very bright future The CLT model is working thanks to the hard work and dedication of the team and partners
1510 Years of Community Land Trusts in South Florida April 2016
HEARTFELT FLORIDA HOUSING CLTDEVELOPING THRIVING STABLE COMMUNITIES THROUGH THE ACQUISITION OF LAND amp THE CREATION amp STEWARDSHIP OF PERMANENTLY AFFORDABLE HOUSING FOR LOW- TO MODERATE-INCOME INDIVIDUALS
Ocean Breeze West sounds like a tropical paradise and for the residents there it is The development is constructed on a 45 acre site which was destroyed by the hurricanes of 2004 and now has 21 new single-family homes located in the heart of Boynton It is the first Heartfelt Florida Housing Community Land Trust (HFHCLT) mixed-income development aimed at an innovative socially responsible and sustainable solutions to the lack of affordable housing opportunities in South Palm Beach
After 25 years of serving South Palm Beach the local affiliate of Habitat for Humanity decided to utilize the community land trust model and the nonprofit Heartfelt Florida Housing Community Land Trust (HFHCLT) was founded in 2010
Mike Williams Associate Executive Director at Habitat for Humanity of South Palm Beach County shared his vision when he stated ldquoThe impact of having a decent place to live especially for kids who do so much better
16 SOUTH FLORIDA COMMUNITY LAND TRUST NETWORK
181 SE 5th Avenue Delray Beach561-819-6070wwwheartfeltcltorg
BOARD OF DIRECTORS
JEREMY AHWEE PRESIDENT
MIKE CAMPBELLSECRETARY
PAMELA OWENS TREASURER
WANESTA BUSH MEMBER
DIANA HILLMAN MEMBER
ROJUANA MOSSMEMBER
MIKE OWEN MEMBER
STAFFDONNA WALDRONEXECUTIVE DIRECTOR
when they have a place to study and thrive and the parents themselves who donrsquot have to worry about a landlord or where they will live next month and being able to address that is the greatest motivationrdquo
The focus of the land trust is to make these homes permanently affordable The homeowners are granted a long-term ground lease with their home purchase and can stay there for its duration If they choose to sell a formula is used to allow a limited but fair return to the seller while keeping the structure affordable for the next buyer ensuring perpetual affordability
In addition to the goal of perpetual affordability Heartfelt works with its present and future residents to safeguard the homes and maintain the security of its occupants Ocean Breeze West brings new hope to the entire community It provides an opportunity for working families to return to a neighborhood that lost residents when the former buildings were rendered uninhabitable
Yet HFHCLT isnrsquot satisfied that enough has been done They are committed to the expansion of their acquisition and development program According to Mike HFHCLT is working with the City of Delray in looking at a couple of areas to do bigger developments
HFHCLT is paving the way to preserving the quality affordability and economic diversity of housing for residents of South Palm Beach County Florida
27CLT Owner Units
+18Units by 2017
1710 Years of Community Land Trusts in South Florida April 2016
SOUTH FLORIDA CLTPROVIDING AND PRESERVING QUALITY SUSTAINABLE AFFORDABLE HOUSING FOR UNDERSERVED POPULATIONS IN SOUTH FLORIDA When driving through the quiet neighborhoods of South Florida you notice houses transformed into homes with families making memories inside But what you donrsquot notice is the history as to how these families got there Behind that brick and concrete is something even stronger Perseverance
It is this adjective that weaves throughout the South Florida Community Land Trust (SFCLT) foundation SFCLT has assisted over 100 individuals to find a home But achieving this goal wasnrsquot always easy
ldquoOur first project was the most challengingrdquo said Mandy Bartle SFCLT Executive Director ldquoWe bought an apartment building in a nice wealthy community There was a lot of resistance from the neighbors and commissioners for developing affordable housing in the neighborhood After we
remodeled the apartments we them showed how beautiful it was and started getting calls from the community about moving in We were able to change perceptions about what affordable housing doesrdquo
Through hard work and perseverance Mandy and her team grew the South Florida Community Land Trust into what it is today
South Florida Community Land Trust is a nonprofit corporation that develops and preserves affordable housing in South Florida It is one of the few organizations in South Florida that is focused on creating a permanent source of affordable housing to help both current and future homeowners They work to help South Florida residents afford a home without compromising on safety or quality
1007 N Federal HWY 2999547691731wwwsouthfloridacltorg
BOARD OF DIRECTORS
GIOVANNI MOSSPRESIDENT
MARCIE OPPENHEIMER NOLANVICE PRESIDENT
JERRY HENISERTREASURER
SANDRA EINHORNSECRETARY
MARCIA BARRY-SMITH
MONICA NAVARRO
STEVE WERTHMAN
STAFFMANDY SPANGLER BARTLEEXECUTIVE DIRECTOR
MATT WEISSPROPERTY MANAGER
ANNA MCMASTERPROGRAM MANAGER
+15
SFCLT was formed in 2006 a time plagued with high unemployment rates and banks hesitant to loan Yet the team persevered They were able to advocate to the banks to offer loans to their homeowners
The future is very bright for SFCLT They have plans to expand to Miami Florida within two years Despite the various challenges SFCLT knows they need to be there
ldquoNumerous reports have cited the need as it is one of few major metropolitan areas in the country without a CLT We are one of a number of groups trying to change thatrdquo said Bartle ldquoThere are CLTrsquos in Monroe Palm Beach and Broward Counties and Miami is one of the most expensive markets- thatrsquos why the need is so greatrdquo
South Florida Community Land Trust will continue to make a difference in the lives of South Florida residents and hopefully one day the residents of Miami-Dade County
46 8Rental Units
CLT Owner Units
Units by 2017
1910 Years of Community Land Trusts in South Florida April 2016
HOUSING LEADERSHIP COUNCIL OF PALM BEACH COUNTY
SFCLTN PARTNER ORGANIZATIONS
It can be easy to take advantage of a warm bed shelter during a storm a place to call home These are things we have been given since we could remember However it is the team at the Housing Leadership Council of Palm Beach County (HLCPBC) that remind us that lifersquos ldquosimplicitiesrdquo are actually quite difficult to obtain
In July 2006 the Workforce Housing Needs Assessment released a shocking report on the depth and severity of the housing market in Palm Beach County They found approximately 60 percent of Palm Beach County residents earn less than 50 percent of the area median income With such high numbers many low to mid-size earners were struggling financially to obtain or keep their homes
The report called for each county and municipality to develop a comprehensive housing policy that addresses the urgent need of expanding and preserving the inventory of affordable housing Immediately the Housing Leadership of Palm Beach County was born with a mission that housing is attainable for the workforce at all income levels through education advocacy and facilitating collaboration
Ten years later the organization continues thrive off that mission Since 2007 the Housing Leadership Council has been working on important collaborative efforts that ensure we address the current issues of stabilizing neighborhoods and making sure we have an adequate supply of workforce housing in our community
They remind us each day that we all need a place to call home
wwwhlcpbcorg
20 SOUTH FLORIDA COMMUNITY LAND TRUST NETWORK
ADOPT-A-FAMILY OF THE PALM BEACHES
HOUSING PARTNERSHIP
NEIGHBORHOOD RENAISSANCE
Research | Design | Programming
wwwadoptafamilypbcorg
Adopt-A-Family is a 501c3 nonprofit charitable organization dedicated to strengthening families with children in their efforts to achieve stability and self-sufficiency by providing access to all-encompassing services
wwwneighborhoodrenaissanceorg
Neighborhood Renaissance Inc is a nonprofit community based organization dedicated to building and supporting strong economies and diverse communities in Palm Beach County They do so by creating workforce housing opportunities jobs and small business prospects for low and moderate income persons
9 CLT HOMEOWNERSHIP UNITS45 PERMANENTLY AFFORDABLE RENTAL UNITS
wwwcp-ctoorghousing-partnership
Housing Partnership Inc a member of Community Partners began in 1986 and has come to believe that finding impactful solutions to complex community issues requires an approach that is both holistic and focused In all that they do they strive to work with the person in the context of their family and with the family in the context of their community
1 CLT HOMEOWNERSHIP UNIT9 PERMANENTLY AFFORDABLE RENTAL UNITS
2110 Years of Community Land Trusts in South Florida April 2016
The South Florida Community Land Trust Network (SFCLTN) is a collaborative comprised of Community Land Trusts and key partner organizations operating in South Florida
SFCLTN LeadHousing Leadership Council of Palm Beach County | wwwhlcpbcorg
Community Land Trust MembersCommunity Land Trust of Palm Beach County |wwwcltofpbcorgDelray Beach Community Land Trust | wwwdelraylandtrustorgHeartfelt Florida Housing Community Land Trust | wwwheartfeltcltorgSouth Florida Community Land Trust | wwwsouthfloridacltorg
Partner OrganizationsAdopt-A-Family of the Palm Beaches | wwwadoptafamilypbcorgHousing Partnership | wwwcp-ctoorghousing-partnershipNeighborhood Renaissance | wwwneighborhoodrenaissanceorg
THE SOUTH FLORIDA COMMUNITY LAND TRUSTNETWORK
THE SOUTH FLORIDA COMMUNITY LAND TRUSTNETWORK
The South Florida Community Land Trust Network (SFCLTN) formed in 2012 about 6 years after the first CLT home was developed in the region The group came together to address collective challenges share resources and to incubate permanently affordable housing options in a time when the region was ravaged and reeling from the Great Recession
By forming this Network the organizations involved have leveraged resources to expand their collective footprints cultivate increased capacity and maximize impact The group is lead by the Housing Leadership Council of Palm Beach County and includes four CLTs and numerous partner organizations
510 Years of Community Land Trusts in South Florida April 2016
PARTNERINGWITH
CORNERSTONE HOMEOWNERSHIP
INNOVATION PROGRAM (CHIP)
While newly formed SFCLTN is already a driving force in the national landscape SFCLTN was one of only eight groups - and the only consortium - accepted into the Cornerstone Homeowner Innovation Program (CHIP) a highly competitive national grant program funded by the Social Innovation Fund and the Ford Foundation CHIP provided SFCLTN with four years of capacity building support that has had an incalculable impact in advancing the CLT Model and permanently affordable housing here in South Florida
INCREASING MUNICIPAL
SUPPORT
CLTs protect public investments by ensuring the long-term preservation of government subsidies and by maintaining the quality of housing overtime Therefore the SFCLTN works to increase municipal support for the CLT Model and subsidy preservation through education and research A recent report commissioned by SFCLTN found that If subsidies are retained through the CLT Model the local government investment will increase by 140 overtime
Rebecca Walter PhD Carla Fink PhD and Sarah Jones Graduate Assistant The University of Texas at San Antonio Subsidy Retention versus Subsidy Recapture Strengthening Partnerships between South Florida Community Land Trusts and Local Governments
SFCLTN ACCOMPLISHMENTS
ldquoThe SFCLTN got started because we recognized that we could do so much more together Each organization serves its own geographic area and our program
services vary to some degree but at the beginning and at the end of the day we all provide very affordable housing to low and moderate income householdsrdquo
- Evelyn Dobson Delray Beach Community Land Trust
6 SOUTH FLORIDA COMMUNITY LAND TRUST NETWORK
GETTING THE WORD OUT
CLTs are a proven model for protecting affordability and have been employed over 250 communities across the county However the model is still relatively new in South Florida with the first CLTs forming 10 years ago To get the word out SFCLTN organizations delved into a CLT educational series targeting specific groups including real estate agents homebuyer counsellors and local government groups The goal was to educate stakeholders on the model and identify opportunities to partner Since forming the coalition has been featured at numerous local state and national conferences including at the 2014 FDIC Roundtable and the 27th Annual Statewide Florida Housing Conference The SFCLTN also produced a high quality video titled ldquoCommunity Land Trusts Where Home Isrdquo to highlight how residents have been impacted and share the importance and need for the CLT model in South Florida
EDUCATING PROSPECTIVE
BUYERS
Itrsquos important for prospective buyers to be well informed on the CLT model To that end SFCLTN members developed a Regional CLT Homebuyer Guide available in English Spanish and Creole In addition the group partnered with MBS Consulting Services to develop a stand-alone training module for all housing counselling agencies This CLT curriculum is now included in most local first-time homebuyer workshops
LENDING FOR CLTS
CLT loans are proven to be less risky than traditional financing However after the housing bubble burst many local lenders were lost and others became incredibly risk-averse One of the biggest achievements of the SFCLTN was bringing lenders back to the table with the assistance of the National CLT Network Florida Community Land Trust Institute and MBS Consulting Services This group hosted a lending forum and by the end of that day had two committed lenders Now we have seven active and ten approved lenders who are committed to the process Based on this huge success similar CLT lending forums have been replicated throughout the state and nation
710 Years of Community Land Trusts in South Florida April 2016
5REASONS SOUTH FLORIDA NEEDS COMMUNITY LAND TRUSTS
Housing is the single largest expense a household faces To understand the full picture of housing affordability measuring the share of a householdrsquos income spent on housing is more telling than simply comparing expenses Households spending more than 30 of their income on housing costs are considered housing cost-burdened those spending more that 50 are severely cost-burdened
By these measures 47 of households in the tri-county region are housing cost-burdened and over half of those households are severely cost-burdened ndash the highest percentage in the country This gap between income and the cost of housing continues to widen in South Florida
The result is a region where nearly half of all households struggle to maintain stable housing often foregoing other essentials including healthy food education or healthcare Community Land Trusts provide a long-term solution to bridge the gap between what households can afford and what the market provides
2015 State of the Nationrsquos Housing by the Joint Center for Housing Studies of Harvard University
01 ADDRESSING HIGH HOUSING COST
8 SOUTH FLORIDA COMMUNITY LAND TRUST NETWORK
65 decline in homeownership since 2006
A telling indicator of the state of our regionrsquos housing is the steep drop in homeownership While all but one metropolitan market experienced declines in homeownership between 2006 and 2013 South Florida had the sixth highest decline in the nation by 65 Some of this is undoubtedly related to the housing boom and bust stricter lending standards and generational choices Itrsquos also attributable to the fact that many are struggling to save for a down payment due to overwhelming rental costs and debt
Decreased opportunities for homeownership has negative impacts on economic outcomes particularly wealth accumulation Community Land Trusts can provide a stepping stool to get people out of renting and into homeownership Through a shared-equity model CLT homeowners are building wealth
2015 State of the Nationrsquos Housing by the Joint Center for Housing Studies of Harvard University
02 INCREASING HOMEOWNERSHIP OPPORTUNITIES
03 LINKING HOUSING AND TRANSIT
South Florida is quickly expanding its transportation infrastructure to improve mobility and connectivity in South Florida There is an opportunity to link those positive changes to increased access to housing that is affordable The time to make that link is now
Beyond housing the second highest cost a family faces is transportation In South Florida the combined burden of housing and transportation costs for moderate-income renters and homeowners is the highest in the country eating up an average of 72 cents of each dollar earned
CLTs can and should play a critical role in ensuring that housing near transportation options in South Florida remains accessible to mixed-income households now and into the future
ldquoLosing Ground The Struggle of Moderate-Income Households to Afford the Rising Costs of Housing and Transportationrdquo Center for Housing Policy amp Center for Neighborhood Technology
910 Years of Community Land Trusts in South Florida April 2016
In most affordable homeownership programs public investments or subsidies are given in the form of down-payment assistance that is eventually forgiven or ldquorecapturedrdquo when the benefiting homeowner sells the home However in a housing market like South Floridarsquos where housing appreciates more quickly than incomes rise the amount of subsidy needed for subsequent homeowners will be greater than the amount recaptured Thus the value of recaptured subsidies diminishes over time fewer homeowners can be assisted and the affordability of homes is lost
CLTs on the other hand function to protect both affordability and public investments by recycling the subsidy from one buyer to the next generation after generation forever Particularly in a time when funding for housing is diminishing and demand is growing ensuring public investments have a sustained impact like this is critical
04 PRESERVING PUBLIC INVESTMENTS
$$$
TIME
COST OF MARKET RATE HOUSINGSubsidy retained with the
property COST OF CLT HOUSING
INCOME
CLTs function to protect both affordability amp public investments by recycling the subsidy from one buyer to the next generation after generation forever
10 SOUTH FLORIDA COMMUNITY LAND TRUST NETWORK
05 ADDING ECONOMIC VALUE
Developing affordable housing builds more than just homes ndash itrsquos a proven economic driver that increases spending and employment in the surrounding economy Moreover without an adequate supply of affordable housing employers ndash and entire regional job markets ndash are disadvantaged due to their inability to attract and retain workers Affordable housing also improves educational outcomes by allowing families access to high performing schools and reducing unwanted moves
Affordable housing not only builds the economy but is also a stabilizing force A national survey finds that CLT homeowners are eight times less likely to be in the process of foreclosure than owners of market-rate homes The lower incidence of foreclosure among CLT homes in turn represents significant direct and indirect cost savings for municipalities in avoiding potential foreclosures
Thaden Emily 2010 June 7 Outperforming the Market Making Sense of the Low Rates of Delinquencies and Foreclosures in Community Land Trusts Nashville TN Peabody College Vanderbilt University
ldquoThe fact that the land is not counted in the price of the home in and of itself immediately establishes CLT homes as attainable In addition the fact that CLTs continues to support homeowners after homes are purchased is to me one of the strongest yet least visible pillars of the modelrdquo
- Marcia Barry-Smith MBS Consulting Services amp H2H Founder
1110 Years of Community Land Trusts in South Florida April 2016
INCREASING THE PERMANENT SUPPLY OF AFFORDABLE HOUSING IN PALM BEACH COUNTY THROUGHbull Land acquisition housing development preservation
bull Create a permanent supply of both rental and homeownership opportunities
bull Develop the community land trust model as an effective tool in meeting the long term affordable housing needs of Palm Beach County residents
bull Create vibrant mixed-income communities
bull Undertake a client focused approach to community development
bull Create sustainable communities
bull Collaborate
CLT OF PALM BEACH COUNTY
12 SOUTH FLORIDA COMMUNITY LAND TRUST NETWORK
4938 Davis Road Lake Worth561-318-8442wwwcltofpbcorg
BOARD OF DIRECTORSHAZEL LUCAS ESQPRESIDENT
TIMOTHY WHEAT VICE PRESIDENT
ANDREW ZEEMANTREASURER
ANGELA USHERSECRETARY
DOROTHY ELLINGTON
TANGENICA HENRY
VICE MAYOR SCOTT MAXWELL
TAMMY MCDONALD ANDERSON
SEMENTHA SANTANGELO
MAYOR SHANIQUE SCOTT
SHEMERRIA BURGESS
RANDY WERTEPNY
STAFFCINDEE LACOURSE-BLUMEXECUTIVE DIRECTOR
TANYA WARD BENGAMINHOUSING MANAGER
One defining feature in the idea of community is that its members affect each otherrsquos quality of life Nowhere is this demonstrated better and in a more positive manner than by the Community Land Trust of Palm Beach County (CLT of PBC) This countywide nonprofit organizationrsquos aim is to provide permanently affordable housing opportunities for its residents
ldquoIn general the understanding that humans need homes to both survive and thrive motivates me to work in affordable housingrdquo Cindee LaCourse-Blum Executive Director explained Clearly there is a desperate need High housing costs and slow wage growth have made the area unaffordable for many
The CLT of PBC was initiated in 2006 by Palm Beach County but rapidly became a community project with a wide range of founding members including Gold Coast Builders Association Palm Beach County League of Cities Business Development Board Business Forum of Palm Beach County Florida Rural Legal Services Community Financing Consortium Adopt-A-Family of the Palm Beaches Inc South Florida LISC We Help Community Development Inc Fair Housing Center of the Greater Palm Beaches Urban League of Palm Beach County Housing Partnership North Palm Beach Chamber of Commerce and the School District of Palm Beach County
These groups pulled together with the goal of creating vibrant mixed-income sustainable communities with a permanent supply of both rental and homeownership opportunities
Now with 108 total units throughout central Palm Beach County the dream is coming to fruition Itrsquos easy to see that the CLT of PBC serves as a successful model for demonstrating the power of a community and its ability do great things
+3380 28Rental Units
CLT Owner Units
Units by 2017
1310 Years of Community Land Trusts in South Florida April 2016
Love what you do and you will never work a day in your life Itrsquos a common quote not often practiced by many However Evelyn Dobson Executive Director of Delray Beach Community Land Trust (DBCLT) and Gary Eliopoulos Chairman of the Board seem to live by this motto
ldquoI feel like I finally found my niche in what I do because I know what it feels like to dream of becoming a homeowner and at times feeling that it may never happenrdquo said Evelyn Dobson when describing her job ldquoTo see the smile on the homeowners face when they get the keys to their home is the most rewarding feelingrdquo
Gary shares the same sentiment describing that the DBCLT was the perfect fit for him Itrsquos a feeling that kept their door open despite difficult times
The organization was formed in 2006 During the Great Recession DBCLT operated with a limited staff worked tirelessly with lending institutes and refused to give up ldquoTo be able to say that we are still operating after the Great Recession is our organizations greatest accomplishmentrdquo said Gary Eliopoulos
ldquoWe sustained the housing program services provided by the organization and that is of most importancerdquo
Fast-forward ten years and the team has served more than 500 households and currently stewards and manages 107 units including single-family homes townhomes and rentals However Evelyn and Gary refuse to stop there
DELRAY BEACH CLT
FOSTERING HEALTHY COMMUNITIES THROUGH THE CREATION STABILIZATION AND PRESERVATION OF QUALITY LONG-TERM AFFORDABLE HOUSING
14 SOUTH FLORIDA COMMUNITY LAND TRUST NETWORK
145 SW 12th Avenue Delray Beach561-243-7500 wwwdelraylandtrustorg
BOARD OF DIRECTORSGARY P ELIOPOULOSPRESIDENT
KIMBERLY CAMEJOVICE PRESIDENT
DYSONYA MITCHELLTREASURER
MORRIE WEINMANSECRETARY
ARTHUR BROWN
POLK COTTON
CHERYL HAYWOOD
VICKI HILL
ANTHONY HOLLIDAY JR
ELTON MCGOWAN JR
KIMBERLY MORRIS
PATRICIA WRIGHT
STAFF
EVELYN DOBSONEXECUTIVE DIRECTOR
GERECIA JACKSON EDMONDHOUSING MANAGER
AHMED BURTONHOUSING COORDINATOR
+1243 64Rental Units
CLT Owner Units
Units by 2017
The DBCLT Atlantic Park Square Project along SW 14th Avenue will consist of 22 single family homes upon completion with three to four bedrooms rear-and-side loaded garages and large elevated porches Of the 22 planned 21 have been completed and sold with one lot remaining It is a true example of how the DBCLT City of Delray Beach and Delray Beach CRA can partner to create something spectacular
ldquoWe continue to work together The organization is accountable the dedication is there and we have made affordable housing a reality for very-low- to moderate-income householdsrdquo said Dobson As housing prices increase Evelyn and Gary look forward to a very bright future The CLT model is working thanks to the hard work and dedication of the team and partners
1510 Years of Community Land Trusts in South Florida April 2016
HEARTFELT FLORIDA HOUSING CLTDEVELOPING THRIVING STABLE COMMUNITIES THROUGH THE ACQUISITION OF LAND amp THE CREATION amp STEWARDSHIP OF PERMANENTLY AFFORDABLE HOUSING FOR LOW- TO MODERATE-INCOME INDIVIDUALS
Ocean Breeze West sounds like a tropical paradise and for the residents there it is The development is constructed on a 45 acre site which was destroyed by the hurricanes of 2004 and now has 21 new single-family homes located in the heart of Boynton It is the first Heartfelt Florida Housing Community Land Trust (HFHCLT) mixed-income development aimed at an innovative socially responsible and sustainable solutions to the lack of affordable housing opportunities in South Palm Beach
After 25 years of serving South Palm Beach the local affiliate of Habitat for Humanity decided to utilize the community land trust model and the nonprofit Heartfelt Florida Housing Community Land Trust (HFHCLT) was founded in 2010
Mike Williams Associate Executive Director at Habitat for Humanity of South Palm Beach County shared his vision when he stated ldquoThe impact of having a decent place to live especially for kids who do so much better
16 SOUTH FLORIDA COMMUNITY LAND TRUST NETWORK
181 SE 5th Avenue Delray Beach561-819-6070wwwheartfeltcltorg
BOARD OF DIRECTORS
JEREMY AHWEE PRESIDENT
MIKE CAMPBELLSECRETARY
PAMELA OWENS TREASURER
WANESTA BUSH MEMBER
DIANA HILLMAN MEMBER
ROJUANA MOSSMEMBER
MIKE OWEN MEMBER
STAFFDONNA WALDRONEXECUTIVE DIRECTOR
when they have a place to study and thrive and the parents themselves who donrsquot have to worry about a landlord or where they will live next month and being able to address that is the greatest motivationrdquo
The focus of the land trust is to make these homes permanently affordable The homeowners are granted a long-term ground lease with their home purchase and can stay there for its duration If they choose to sell a formula is used to allow a limited but fair return to the seller while keeping the structure affordable for the next buyer ensuring perpetual affordability
In addition to the goal of perpetual affordability Heartfelt works with its present and future residents to safeguard the homes and maintain the security of its occupants Ocean Breeze West brings new hope to the entire community It provides an opportunity for working families to return to a neighborhood that lost residents when the former buildings were rendered uninhabitable
Yet HFHCLT isnrsquot satisfied that enough has been done They are committed to the expansion of their acquisition and development program According to Mike HFHCLT is working with the City of Delray in looking at a couple of areas to do bigger developments
HFHCLT is paving the way to preserving the quality affordability and economic diversity of housing for residents of South Palm Beach County Florida
27CLT Owner Units
+18Units by 2017
1710 Years of Community Land Trusts in South Florida April 2016
SOUTH FLORIDA CLTPROVIDING AND PRESERVING QUALITY SUSTAINABLE AFFORDABLE HOUSING FOR UNDERSERVED POPULATIONS IN SOUTH FLORIDA When driving through the quiet neighborhoods of South Florida you notice houses transformed into homes with families making memories inside But what you donrsquot notice is the history as to how these families got there Behind that brick and concrete is something even stronger Perseverance
It is this adjective that weaves throughout the South Florida Community Land Trust (SFCLT) foundation SFCLT has assisted over 100 individuals to find a home But achieving this goal wasnrsquot always easy
ldquoOur first project was the most challengingrdquo said Mandy Bartle SFCLT Executive Director ldquoWe bought an apartment building in a nice wealthy community There was a lot of resistance from the neighbors and commissioners for developing affordable housing in the neighborhood After we
remodeled the apartments we them showed how beautiful it was and started getting calls from the community about moving in We were able to change perceptions about what affordable housing doesrdquo
Through hard work and perseverance Mandy and her team grew the South Florida Community Land Trust into what it is today
South Florida Community Land Trust is a nonprofit corporation that develops and preserves affordable housing in South Florida It is one of the few organizations in South Florida that is focused on creating a permanent source of affordable housing to help both current and future homeowners They work to help South Florida residents afford a home without compromising on safety or quality
1007 N Federal HWY 2999547691731wwwsouthfloridacltorg
BOARD OF DIRECTORS
GIOVANNI MOSSPRESIDENT
MARCIE OPPENHEIMER NOLANVICE PRESIDENT
JERRY HENISERTREASURER
SANDRA EINHORNSECRETARY
MARCIA BARRY-SMITH
MONICA NAVARRO
STEVE WERTHMAN
STAFFMANDY SPANGLER BARTLEEXECUTIVE DIRECTOR
MATT WEISSPROPERTY MANAGER
ANNA MCMASTERPROGRAM MANAGER
+15
SFCLT was formed in 2006 a time plagued with high unemployment rates and banks hesitant to loan Yet the team persevered They were able to advocate to the banks to offer loans to their homeowners
The future is very bright for SFCLT They have plans to expand to Miami Florida within two years Despite the various challenges SFCLT knows they need to be there
ldquoNumerous reports have cited the need as it is one of few major metropolitan areas in the country without a CLT We are one of a number of groups trying to change thatrdquo said Bartle ldquoThere are CLTrsquos in Monroe Palm Beach and Broward Counties and Miami is one of the most expensive markets- thatrsquos why the need is so greatrdquo
South Florida Community Land Trust will continue to make a difference in the lives of South Florida residents and hopefully one day the residents of Miami-Dade County
46 8Rental Units
CLT Owner Units
Units by 2017
1910 Years of Community Land Trusts in South Florida April 2016
HOUSING LEADERSHIP COUNCIL OF PALM BEACH COUNTY
SFCLTN PARTNER ORGANIZATIONS
It can be easy to take advantage of a warm bed shelter during a storm a place to call home These are things we have been given since we could remember However it is the team at the Housing Leadership Council of Palm Beach County (HLCPBC) that remind us that lifersquos ldquosimplicitiesrdquo are actually quite difficult to obtain
In July 2006 the Workforce Housing Needs Assessment released a shocking report on the depth and severity of the housing market in Palm Beach County They found approximately 60 percent of Palm Beach County residents earn less than 50 percent of the area median income With such high numbers many low to mid-size earners were struggling financially to obtain or keep their homes
The report called for each county and municipality to develop a comprehensive housing policy that addresses the urgent need of expanding and preserving the inventory of affordable housing Immediately the Housing Leadership of Palm Beach County was born with a mission that housing is attainable for the workforce at all income levels through education advocacy and facilitating collaboration
Ten years later the organization continues thrive off that mission Since 2007 the Housing Leadership Council has been working on important collaborative efforts that ensure we address the current issues of stabilizing neighborhoods and making sure we have an adequate supply of workforce housing in our community
They remind us each day that we all need a place to call home
wwwhlcpbcorg
20 SOUTH FLORIDA COMMUNITY LAND TRUST NETWORK
ADOPT-A-FAMILY OF THE PALM BEACHES
HOUSING PARTNERSHIP
NEIGHBORHOOD RENAISSANCE
Research | Design | Programming
wwwadoptafamilypbcorg
Adopt-A-Family is a 501c3 nonprofit charitable organization dedicated to strengthening families with children in their efforts to achieve stability and self-sufficiency by providing access to all-encompassing services
wwwneighborhoodrenaissanceorg
Neighborhood Renaissance Inc is a nonprofit community based organization dedicated to building and supporting strong economies and diverse communities in Palm Beach County They do so by creating workforce housing opportunities jobs and small business prospects for low and moderate income persons
9 CLT HOMEOWNERSHIP UNITS45 PERMANENTLY AFFORDABLE RENTAL UNITS
wwwcp-ctoorghousing-partnership
Housing Partnership Inc a member of Community Partners began in 1986 and has come to believe that finding impactful solutions to complex community issues requires an approach that is both holistic and focused In all that they do they strive to work with the person in the context of their family and with the family in the context of their community
1 CLT HOMEOWNERSHIP UNIT9 PERMANENTLY AFFORDABLE RENTAL UNITS
2110 Years of Community Land Trusts in South Florida April 2016
The South Florida Community Land Trust Network (SFCLTN) is a collaborative comprised of Community Land Trusts and key partner organizations operating in South Florida
SFCLTN LeadHousing Leadership Council of Palm Beach County | wwwhlcpbcorg
Community Land Trust MembersCommunity Land Trust of Palm Beach County |wwwcltofpbcorgDelray Beach Community Land Trust | wwwdelraylandtrustorgHeartfelt Florida Housing Community Land Trust | wwwheartfeltcltorgSouth Florida Community Land Trust | wwwsouthfloridacltorg
Partner OrganizationsAdopt-A-Family of the Palm Beaches | wwwadoptafamilypbcorgHousing Partnership | wwwcp-ctoorghousing-partnershipNeighborhood Renaissance | wwwneighborhoodrenaissanceorg
THE SOUTH FLORIDA COMMUNITY LAND TRUSTNETWORK
PARTNERINGWITH
CORNERSTONE HOMEOWNERSHIP
INNOVATION PROGRAM (CHIP)
While newly formed SFCLTN is already a driving force in the national landscape SFCLTN was one of only eight groups - and the only consortium - accepted into the Cornerstone Homeowner Innovation Program (CHIP) a highly competitive national grant program funded by the Social Innovation Fund and the Ford Foundation CHIP provided SFCLTN with four years of capacity building support that has had an incalculable impact in advancing the CLT Model and permanently affordable housing here in South Florida
INCREASING MUNICIPAL
SUPPORT
CLTs protect public investments by ensuring the long-term preservation of government subsidies and by maintaining the quality of housing overtime Therefore the SFCLTN works to increase municipal support for the CLT Model and subsidy preservation through education and research A recent report commissioned by SFCLTN found that If subsidies are retained through the CLT Model the local government investment will increase by 140 overtime
Rebecca Walter PhD Carla Fink PhD and Sarah Jones Graduate Assistant The University of Texas at San Antonio Subsidy Retention versus Subsidy Recapture Strengthening Partnerships between South Florida Community Land Trusts and Local Governments
SFCLTN ACCOMPLISHMENTS
ldquoThe SFCLTN got started because we recognized that we could do so much more together Each organization serves its own geographic area and our program
services vary to some degree but at the beginning and at the end of the day we all provide very affordable housing to low and moderate income householdsrdquo
- Evelyn Dobson Delray Beach Community Land Trust
6 SOUTH FLORIDA COMMUNITY LAND TRUST NETWORK
GETTING THE WORD OUT
CLTs are a proven model for protecting affordability and have been employed over 250 communities across the county However the model is still relatively new in South Florida with the first CLTs forming 10 years ago To get the word out SFCLTN organizations delved into a CLT educational series targeting specific groups including real estate agents homebuyer counsellors and local government groups The goal was to educate stakeholders on the model and identify opportunities to partner Since forming the coalition has been featured at numerous local state and national conferences including at the 2014 FDIC Roundtable and the 27th Annual Statewide Florida Housing Conference The SFCLTN also produced a high quality video titled ldquoCommunity Land Trusts Where Home Isrdquo to highlight how residents have been impacted and share the importance and need for the CLT model in South Florida
EDUCATING PROSPECTIVE
BUYERS
Itrsquos important for prospective buyers to be well informed on the CLT model To that end SFCLTN members developed a Regional CLT Homebuyer Guide available in English Spanish and Creole In addition the group partnered with MBS Consulting Services to develop a stand-alone training module for all housing counselling agencies This CLT curriculum is now included in most local first-time homebuyer workshops
LENDING FOR CLTS
CLT loans are proven to be less risky than traditional financing However after the housing bubble burst many local lenders were lost and others became incredibly risk-averse One of the biggest achievements of the SFCLTN was bringing lenders back to the table with the assistance of the National CLT Network Florida Community Land Trust Institute and MBS Consulting Services This group hosted a lending forum and by the end of that day had two committed lenders Now we have seven active and ten approved lenders who are committed to the process Based on this huge success similar CLT lending forums have been replicated throughout the state and nation
710 Years of Community Land Trusts in South Florida April 2016
5REASONS SOUTH FLORIDA NEEDS COMMUNITY LAND TRUSTS
Housing is the single largest expense a household faces To understand the full picture of housing affordability measuring the share of a householdrsquos income spent on housing is more telling than simply comparing expenses Households spending more than 30 of their income on housing costs are considered housing cost-burdened those spending more that 50 are severely cost-burdened
By these measures 47 of households in the tri-county region are housing cost-burdened and over half of those households are severely cost-burdened ndash the highest percentage in the country This gap between income and the cost of housing continues to widen in South Florida
The result is a region where nearly half of all households struggle to maintain stable housing often foregoing other essentials including healthy food education or healthcare Community Land Trusts provide a long-term solution to bridge the gap between what households can afford and what the market provides
2015 State of the Nationrsquos Housing by the Joint Center for Housing Studies of Harvard University
01 ADDRESSING HIGH HOUSING COST
8 SOUTH FLORIDA COMMUNITY LAND TRUST NETWORK
65 decline in homeownership since 2006
A telling indicator of the state of our regionrsquos housing is the steep drop in homeownership While all but one metropolitan market experienced declines in homeownership between 2006 and 2013 South Florida had the sixth highest decline in the nation by 65 Some of this is undoubtedly related to the housing boom and bust stricter lending standards and generational choices Itrsquos also attributable to the fact that many are struggling to save for a down payment due to overwhelming rental costs and debt
Decreased opportunities for homeownership has negative impacts on economic outcomes particularly wealth accumulation Community Land Trusts can provide a stepping stool to get people out of renting and into homeownership Through a shared-equity model CLT homeowners are building wealth
2015 State of the Nationrsquos Housing by the Joint Center for Housing Studies of Harvard University
02 INCREASING HOMEOWNERSHIP OPPORTUNITIES
03 LINKING HOUSING AND TRANSIT
South Florida is quickly expanding its transportation infrastructure to improve mobility and connectivity in South Florida There is an opportunity to link those positive changes to increased access to housing that is affordable The time to make that link is now
Beyond housing the second highest cost a family faces is transportation In South Florida the combined burden of housing and transportation costs for moderate-income renters and homeowners is the highest in the country eating up an average of 72 cents of each dollar earned
CLTs can and should play a critical role in ensuring that housing near transportation options in South Florida remains accessible to mixed-income households now and into the future
ldquoLosing Ground The Struggle of Moderate-Income Households to Afford the Rising Costs of Housing and Transportationrdquo Center for Housing Policy amp Center for Neighborhood Technology
910 Years of Community Land Trusts in South Florida April 2016
In most affordable homeownership programs public investments or subsidies are given in the form of down-payment assistance that is eventually forgiven or ldquorecapturedrdquo when the benefiting homeowner sells the home However in a housing market like South Floridarsquos where housing appreciates more quickly than incomes rise the amount of subsidy needed for subsequent homeowners will be greater than the amount recaptured Thus the value of recaptured subsidies diminishes over time fewer homeowners can be assisted and the affordability of homes is lost
CLTs on the other hand function to protect both affordability and public investments by recycling the subsidy from one buyer to the next generation after generation forever Particularly in a time when funding for housing is diminishing and demand is growing ensuring public investments have a sustained impact like this is critical
04 PRESERVING PUBLIC INVESTMENTS
$$$
TIME
COST OF MARKET RATE HOUSINGSubsidy retained with the
property COST OF CLT HOUSING
INCOME
CLTs function to protect both affordability amp public investments by recycling the subsidy from one buyer to the next generation after generation forever
10 SOUTH FLORIDA COMMUNITY LAND TRUST NETWORK
05 ADDING ECONOMIC VALUE
Developing affordable housing builds more than just homes ndash itrsquos a proven economic driver that increases spending and employment in the surrounding economy Moreover without an adequate supply of affordable housing employers ndash and entire regional job markets ndash are disadvantaged due to their inability to attract and retain workers Affordable housing also improves educational outcomes by allowing families access to high performing schools and reducing unwanted moves
Affordable housing not only builds the economy but is also a stabilizing force A national survey finds that CLT homeowners are eight times less likely to be in the process of foreclosure than owners of market-rate homes The lower incidence of foreclosure among CLT homes in turn represents significant direct and indirect cost savings for municipalities in avoiding potential foreclosures
Thaden Emily 2010 June 7 Outperforming the Market Making Sense of the Low Rates of Delinquencies and Foreclosures in Community Land Trusts Nashville TN Peabody College Vanderbilt University
ldquoThe fact that the land is not counted in the price of the home in and of itself immediately establishes CLT homes as attainable In addition the fact that CLTs continues to support homeowners after homes are purchased is to me one of the strongest yet least visible pillars of the modelrdquo
- Marcia Barry-Smith MBS Consulting Services amp H2H Founder
1110 Years of Community Land Trusts in South Florida April 2016
INCREASING THE PERMANENT SUPPLY OF AFFORDABLE HOUSING IN PALM BEACH COUNTY THROUGHbull Land acquisition housing development preservation
bull Create a permanent supply of both rental and homeownership opportunities
bull Develop the community land trust model as an effective tool in meeting the long term affordable housing needs of Palm Beach County residents
bull Create vibrant mixed-income communities
bull Undertake a client focused approach to community development
bull Create sustainable communities
bull Collaborate
CLT OF PALM BEACH COUNTY
12 SOUTH FLORIDA COMMUNITY LAND TRUST NETWORK
4938 Davis Road Lake Worth561-318-8442wwwcltofpbcorg
BOARD OF DIRECTORSHAZEL LUCAS ESQPRESIDENT
TIMOTHY WHEAT VICE PRESIDENT
ANDREW ZEEMANTREASURER
ANGELA USHERSECRETARY
DOROTHY ELLINGTON
TANGENICA HENRY
VICE MAYOR SCOTT MAXWELL
TAMMY MCDONALD ANDERSON
SEMENTHA SANTANGELO
MAYOR SHANIQUE SCOTT
SHEMERRIA BURGESS
RANDY WERTEPNY
STAFFCINDEE LACOURSE-BLUMEXECUTIVE DIRECTOR
TANYA WARD BENGAMINHOUSING MANAGER
One defining feature in the idea of community is that its members affect each otherrsquos quality of life Nowhere is this demonstrated better and in a more positive manner than by the Community Land Trust of Palm Beach County (CLT of PBC) This countywide nonprofit organizationrsquos aim is to provide permanently affordable housing opportunities for its residents
ldquoIn general the understanding that humans need homes to both survive and thrive motivates me to work in affordable housingrdquo Cindee LaCourse-Blum Executive Director explained Clearly there is a desperate need High housing costs and slow wage growth have made the area unaffordable for many
The CLT of PBC was initiated in 2006 by Palm Beach County but rapidly became a community project with a wide range of founding members including Gold Coast Builders Association Palm Beach County League of Cities Business Development Board Business Forum of Palm Beach County Florida Rural Legal Services Community Financing Consortium Adopt-A-Family of the Palm Beaches Inc South Florida LISC We Help Community Development Inc Fair Housing Center of the Greater Palm Beaches Urban League of Palm Beach County Housing Partnership North Palm Beach Chamber of Commerce and the School District of Palm Beach County
These groups pulled together with the goal of creating vibrant mixed-income sustainable communities with a permanent supply of both rental and homeownership opportunities
Now with 108 total units throughout central Palm Beach County the dream is coming to fruition Itrsquos easy to see that the CLT of PBC serves as a successful model for demonstrating the power of a community and its ability do great things
+3380 28Rental Units
CLT Owner Units
Units by 2017
1310 Years of Community Land Trusts in South Florida April 2016
Love what you do and you will never work a day in your life Itrsquos a common quote not often practiced by many However Evelyn Dobson Executive Director of Delray Beach Community Land Trust (DBCLT) and Gary Eliopoulos Chairman of the Board seem to live by this motto
ldquoI feel like I finally found my niche in what I do because I know what it feels like to dream of becoming a homeowner and at times feeling that it may never happenrdquo said Evelyn Dobson when describing her job ldquoTo see the smile on the homeowners face when they get the keys to their home is the most rewarding feelingrdquo
Gary shares the same sentiment describing that the DBCLT was the perfect fit for him Itrsquos a feeling that kept their door open despite difficult times
The organization was formed in 2006 During the Great Recession DBCLT operated with a limited staff worked tirelessly with lending institutes and refused to give up ldquoTo be able to say that we are still operating after the Great Recession is our organizations greatest accomplishmentrdquo said Gary Eliopoulos
ldquoWe sustained the housing program services provided by the organization and that is of most importancerdquo
Fast-forward ten years and the team has served more than 500 households and currently stewards and manages 107 units including single-family homes townhomes and rentals However Evelyn and Gary refuse to stop there
DELRAY BEACH CLT
FOSTERING HEALTHY COMMUNITIES THROUGH THE CREATION STABILIZATION AND PRESERVATION OF QUALITY LONG-TERM AFFORDABLE HOUSING
14 SOUTH FLORIDA COMMUNITY LAND TRUST NETWORK
145 SW 12th Avenue Delray Beach561-243-7500 wwwdelraylandtrustorg
BOARD OF DIRECTORSGARY P ELIOPOULOSPRESIDENT
KIMBERLY CAMEJOVICE PRESIDENT
DYSONYA MITCHELLTREASURER
MORRIE WEINMANSECRETARY
ARTHUR BROWN
POLK COTTON
CHERYL HAYWOOD
VICKI HILL
ANTHONY HOLLIDAY JR
ELTON MCGOWAN JR
KIMBERLY MORRIS
PATRICIA WRIGHT
STAFF
EVELYN DOBSONEXECUTIVE DIRECTOR
GERECIA JACKSON EDMONDHOUSING MANAGER
AHMED BURTONHOUSING COORDINATOR
+1243 64Rental Units
CLT Owner Units
Units by 2017
The DBCLT Atlantic Park Square Project along SW 14th Avenue will consist of 22 single family homes upon completion with three to four bedrooms rear-and-side loaded garages and large elevated porches Of the 22 planned 21 have been completed and sold with one lot remaining It is a true example of how the DBCLT City of Delray Beach and Delray Beach CRA can partner to create something spectacular
ldquoWe continue to work together The organization is accountable the dedication is there and we have made affordable housing a reality for very-low- to moderate-income householdsrdquo said Dobson As housing prices increase Evelyn and Gary look forward to a very bright future The CLT model is working thanks to the hard work and dedication of the team and partners
1510 Years of Community Land Trusts in South Florida April 2016
HEARTFELT FLORIDA HOUSING CLTDEVELOPING THRIVING STABLE COMMUNITIES THROUGH THE ACQUISITION OF LAND amp THE CREATION amp STEWARDSHIP OF PERMANENTLY AFFORDABLE HOUSING FOR LOW- TO MODERATE-INCOME INDIVIDUALS
Ocean Breeze West sounds like a tropical paradise and for the residents there it is The development is constructed on a 45 acre site which was destroyed by the hurricanes of 2004 and now has 21 new single-family homes located in the heart of Boynton It is the first Heartfelt Florida Housing Community Land Trust (HFHCLT) mixed-income development aimed at an innovative socially responsible and sustainable solutions to the lack of affordable housing opportunities in South Palm Beach
After 25 years of serving South Palm Beach the local affiliate of Habitat for Humanity decided to utilize the community land trust model and the nonprofit Heartfelt Florida Housing Community Land Trust (HFHCLT) was founded in 2010
Mike Williams Associate Executive Director at Habitat for Humanity of South Palm Beach County shared his vision when he stated ldquoThe impact of having a decent place to live especially for kids who do so much better
16 SOUTH FLORIDA COMMUNITY LAND TRUST NETWORK
181 SE 5th Avenue Delray Beach561-819-6070wwwheartfeltcltorg
BOARD OF DIRECTORS
JEREMY AHWEE PRESIDENT
MIKE CAMPBELLSECRETARY
PAMELA OWENS TREASURER
WANESTA BUSH MEMBER
DIANA HILLMAN MEMBER
ROJUANA MOSSMEMBER
MIKE OWEN MEMBER
STAFFDONNA WALDRONEXECUTIVE DIRECTOR
when they have a place to study and thrive and the parents themselves who donrsquot have to worry about a landlord or where they will live next month and being able to address that is the greatest motivationrdquo
The focus of the land trust is to make these homes permanently affordable The homeowners are granted a long-term ground lease with their home purchase and can stay there for its duration If they choose to sell a formula is used to allow a limited but fair return to the seller while keeping the structure affordable for the next buyer ensuring perpetual affordability
In addition to the goal of perpetual affordability Heartfelt works with its present and future residents to safeguard the homes and maintain the security of its occupants Ocean Breeze West brings new hope to the entire community It provides an opportunity for working families to return to a neighborhood that lost residents when the former buildings were rendered uninhabitable
Yet HFHCLT isnrsquot satisfied that enough has been done They are committed to the expansion of their acquisition and development program According to Mike HFHCLT is working with the City of Delray in looking at a couple of areas to do bigger developments
HFHCLT is paving the way to preserving the quality affordability and economic diversity of housing for residents of South Palm Beach County Florida
27CLT Owner Units
+18Units by 2017
1710 Years of Community Land Trusts in South Florida April 2016
SOUTH FLORIDA CLTPROVIDING AND PRESERVING QUALITY SUSTAINABLE AFFORDABLE HOUSING FOR UNDERSERVED POPULATIONS IN SOUTH FLORIDA When driving through the quiet neighborhoods of South Florida you notice houses transformed into homes with families making memories inside But what you donrsquot notice is the history as to how these families got there Behind that brick and concrete is something even stronger Perseverance
It is this adjective that weaves throughout the South Florida Community Land Trust (SFCLT) foundation SFCLT has assisted over 100 individuals to find a home But achieving this goal wasnrsquot always easy
ldquoOur first project was the most challengingrdquo said Mandy Bartle SFCLT Executive Director ldquoWe bought an apartment building in a nice wealthy community There was a lot of resistance from the neighbors and commissioners for developing affordable housing in the neighborhood After we
remodeled the apartments we them showed how beautiful it was and started getting calls from the community about moving in We were able to change perceptions about what affordable housing doesrdquo
Through hard work and perseverance Mandy and her team grew the South Florida Community Land Trust into what it is today
South Florida Community Land Trust is a nonprofit corporation that develops and preserves affordable housing in South Florida It is one of the few organizations in South Florida that is focused on creating a permanent source of affordable housing to help both current and future homeowners They work to help South Florida residents afford a home without compromising on safety or quality
1007 N Federal HWY 2999547691731wwwsouthfloridacltorg
BOARD OF DIRECTORS
GIOVANNI MOSSPRESIDENT
MARCIE OPPENHEIMER NOLANVICE PRESIDENT
JERRY HENISERTREASURER
SANDRA EINHORNSECRETARY
MARCIA BARRY-SMITH
MONICA NAVARRO
STEVE WERTHMAN
STAFFMANDY SPANGLER BARTLEEXECUTIVE DIRECTOR
MATT WEISSPROPERTY MANAGER
ANNA MCMASTERPROGRAM MANAGER
+15
SFCLT was formed in 2006 a time plagued with high unemployment rates and banks hesitant to loan Yet the team persevered They were able to advocate to the banks to offer loans to their homeowners
The future is very bright for SFCLT They have plans to expand to Miami Florida within two years Despite the various challenges SFCLT knows they need to be there
ldquoNumerous reports have cited the need as it is one of few major metropolitan areas in the country without a CLT We are one of a number of groups trying to change thatrdquo said Bartle ldquoThere are CLTrsquos in Monroe Palm Beach and Broward Counties and Miami is one of the most expensive markets- thatrsquos why the need is so greatrdquo
South Florida Community Land Trust will continue to make a difference in the lives of South Florida residents and hopefully one day the residents of Miami-Dade County
46 8Rental Units
CLT Owner Units
Units by 2017
1910 Years of Community Land Trusts in South Florida April 2016
HOUSING LEADERSHIP COUNCIL OF PALM BEACH COUNTY
SFCLTN PARTNER ORGANIZATIONS
It can be easy to take advantage of a warm bed shelter during a storm a place to call home These are things we have been given since we could remember However it is the team at the Housing Leadership Council of Palm Beach County (HLCPBC) that remind us that lifersquos ldquosimplicitiesrdquo are actually quite difficult to obtain
In July 2006 the Workforce Housing Needs Assessment released a shocking report on the depth and severity of the housing market in Palm Beach County They found approximately 60 percent of Palm Beach County residents earn less than 50 percent of the area median income With such high numbers many low to mid-size earners were struggling financially to obtain or keep their homes
The report called for each county and municipality to develop a comprehensive housing policy that addresses the urgent need of expanding and preserving the inventory of affordable housing Immediately the Housing Leadership of Palm Beach County was born with a mission that housing is attainable for the workforce at all income levels through education advocacy and facilitating collaboration
Ten years later the organization continues thrive off that mission Since 2007 the Housing Leadership Council has been working on important collaborative efforts that ensure we address the current issues of stabilizing neighborhoods and making sure we have an adequate supply of workforce housing in our community
They remind us each day that we all need a place to call home
wwwhlcpbcorg
20 SOUTH FLORIDA COMMUNITY LAND TRUST NETWORK
ADOPT-A-FAMILY OF THE PALM BEACHES
HOUSING PARTNERSHIP
NEIGHBORHOOD RENAISSANCE
Research | Design | Programming
wwwadoptafamilypbcorg
Adopt-A-Family is a 501c3 nonprofit charitable organization dedicated to strengthening families with children in their efforts to achieve stability and self-sufficiency by providing access to all-encompassing services
wwwneighborhoodrenaissanceorg
Neighborhood Renaissance Inc is a nonprofit community based organization dedicated to building and supporting strong economies and diverse communities in Palm Beach County They do so by creating workforce housing opportunities jobs and small business prospects for low and moderate income persons
9 CLT HOMEOWNERSHIP UNITS45 PERMANENTLY AFFORDABLE RENTAL UNITS
wwwcp-ctoorghousing-partnership
Housing Partnership Inc a member of Community Partners began in 1986 and has come to believe that finding impactful solutions to complex community issues requires an approach that is both holistic and focused In all that they do they strive to work with the person in the context of their family and with the family in the context of their community
1 CLT HOMEOWNERSHIP UNIT9 PERMANENTLY AFFORDABLE RENTAL UNITS
2110 Years of Community Land Trusts in South Florida April 2016
The South Florida Community Land Trust Network (SFCLTN) is a collaborative comprised of Community Land Trusts and key partner organizations operating in South Florida
SFCLTN LeadHousing Leadership Council of Palm Beach County | wwwhlcpbcorg
Community Land Trust MembersCommunity Land Trust of Palm Beach County |wwwcltofpbcorgDelray Beach Community Land Trust | wwwdelraylandtrustorgHeartfelt Florida Housing Community Land Trust | wwwheartfeltcltorgSouth Florida Community Land Trust | wwwsouthfloridacltorg
Partner OrganizationsAdopt-A-Family of the Palm Beaches | wwwadoptafamilypbcorgHousing Partnership | wwwcp-ctoorghousing-partnershipNeighborhood Renaissance | wwwneighborhoodrenaissanceorg
THE SOUTH FLORIDA COMMUNITY LAND TRUSTNETWORK
GETTING THE WORD OUT
CLTs are a proven model for protecting affordability and have been employed over 250 communities across the county However the model is still relatively new in South Florida with the first CLTs forming 10 years ago To get the word out SFCLTN organizations delved into a CLT educational series targeting specific groups including real estate agents homebuyer counsellors and local government groups The goal was to educate stakeholders on the model and identify opportunities to partner Since forming the coalition has been featured at numerous local state and national conferences including at the 2014 FDIC Roundtable and the 27th Annual Statewide Florida Housing Conference The SFCLTN also produced a high quality video titled ldquoCommunity Land Trusts Where Home Isrdquo to highlight how residents have been impacted and share the importance and need for the CLT model in South Florida
EDUCATING PROSPECTIVE
BUYERS
Itrsquos important for prospective buyers to be well informed on the CLT model To that end SFCLTN members developed a Regional CLT Homebuyer Guide available in English Spanish and Creole In addition the group partnered with MBS Consulting Services to develop a stand-alone training module for all housing counselling agencies This CLT curriculum is now included in most local first-time homebuyer workshops
LENDING FOR CLTS
CLT loans are proven to be less risky than traditional financing However after the housing bubble burst many local lenders were lost and others became incredibly risk-averse One of the biggest achievements of the SFCLTN was bringing lenders back to the table with the assistance of the National CLT Network Florida Community Land Trust Institute and MBS Consulting Services This group hosted a lending forum and by the end of that day had two committed lenders Now we have seven active and ten approved lenders who are committed to the process Based on this huge success similar CLT lending forums have been replicated throughout the state and nation
710 Years of Community Land Trusts in South Florida April 2016
5REASONS SOUTH FLORIDA NEEDS COMMUNITY LAND TRUSTS
Housing is the single largest expense a household faces To understand the full picture of housing affordability measuring the share of a householdrsquos income spent on housing is more telling than simply comparing expenses Households spending more than 30 of their income on housing costs are considered housing cost-burdened those spending more that 50 are severely cost-burdened
By these measures 47 of households in the tri-county region are housing cost-burdened and over half of those households are severely cost-burdened ndash the highest percentage in the country This gap between income and the cost of housing continues to widen in South Florida
The result is a region where nearly half of all households struggle to maintain stable housing often foregoing other essentials including healthy food education or healthcare Community Land Trusts provide a long-term solution to bridge the gap between what households can afford and what the market provides
2015 State of the Nationrsquos Housing by the Joint Center for Housing Studies of Harvard University
01 ADDRESSING HIGH HOUSING COST
8 SOUTH FLORIDA COMMUNITY LAND TRUST NETWORK
65 decline in homeownership since 2006
A telling indicator of the state of our regionrsquos housing is the steep drop in homeownership While all but one metropolitan market experienced declines in homeownership between 2006 and 2013 South Florida had the sixth highest decline in the nation by 65 Some of this is undoubtedly related to the housing boom and bust stricter lending standards and generational choices Itrsquos also attributable to the fact that many are struggling to save for a down payment due to overwhelming rental costs and debt
Decreased opportunities for homeownership has negative impacts on economic outcomes particularly wealth accumulation Community Land Trusts can provide a stepping stool to get people out of renting and into homeownership Through a shared-equity model CLT homeowners are building wealth
2015 State of the Nationrsquos Housing by the Joint Center for Housing Studies of Harvard University
02 INCREASING HOMEOWNERSHIP OPPORTUNITIES
03 LINKING HOUSING AND TRANSIT
South Florida is quickly expanding its transportation infrastructure to improve mobility and connectivity in South Florida There is an opportunity to link those positive changes to increased access to housing that is affordable The time to make that link is now
Beyond housing the second highest cost a family faces is transportation In South Florida the combined burden of housing and transportation costs for moderate-income renters and homeowners is the highest in the country eating up an average of 72 cents of each dollar earned
CLTs can and should play a critical role in ensuring that housing near transportation options in South Florida remains accessible to mixed-income households now and into the future
ldquoLosing Ground The Struggle of Moderate-Income Households to Afford the Rising Costs of Housing and Transportationrdquo Center for Housing Policy amp Center for Neighborhood Technology
910 Years of Community Land Trusts in South Florida April 2016
In most affordable homeownership programs public investments or subsidies are given in the form of down-payment assistance that is eventually forgiven or ldquorecapturedrdquo when the benefiting homeowner sells the home However in a housing market like South Floridarsquos where housing appreciates more quickly than incomes rise the amount of subsidy needed for subsequent homeowners will be greater than the amount recaptured Thus the value of recaptured subsidies diminishes over time fewer homeowners can be assisted and the affordability of homes is lost
CLTs on the other hand function to protect both affordability and public investments by recycling the subsidy from one buyer to the next generation after generation forever Particularly in a time when funding for housing is diminishing and demand is growing ensuring public investments have a sustained impact like this is critical
04 PRESERVING PUBLIC INVESTMENTS
$$$
TIME
COST OF MARKET RATE HOUSINGSubsidy retained with the
property COST OF CLT HOUSING
INCOME
CLTs function to protect both affordability amp public investments by recycling the subsidy from one buyer to the next generation after generation forever
10 SOUTH FLORIDA COMMUNITY LAND TRUST NETWORK
05 ADDING ECONOMIC VALUE
Developing affordable housing builds more than just homes ndash itrsquos a proven economic driver that increases spending and employment in the surrounding economy Moreover without an adequate supply of affordable housing employers ndash and entire regional job markets ndash are disadvantaged due to their inability to attract and retain workers Affordable housing also improves educational outcomes by allowing families access to high performing schools and reducing unwanted moves
Affordable housing not only builds the economy but is also a stabilizing force A national survey finds that CLT homeowners are eight times less likely to be in the process of foreclosure than owners of market-rate homes The lower incidence of foreclosure among CLT homes in turn represents significant direct and indirect cost savings for municipalities in avoiding potential foreclosures
Thaden Emily 2010 June 7 Outperforming the Market Making Sense of the Low Rates of Delinquencies and Foreclosures in Community Land Trusts Nashville TN Peabody College Vanderbilt University
ldquoThe fact that the land is not counted in the price of the home in and of itself immediately establishes CLT homes as attainable In addition the fact that CLTs continues to support homeowners after homes are purchased is to me one of the strongest yet least visible pillars of the modelrdquo
- Marcia Barry-Smith MBS Consulting Services amp H2H Founder
1110 Years of Community Land Trusts in South Florida April 2016
INCREASING THE PERMANENT SUPPLY OF AFFORDABLE HOUSING IN PALM BEACH COUNTY THROUGHbull Land acquisition housing development preservation
bull Create a permanent supply of both rental and homeownership opportunities
bull Develop the community land trust model as an effective tool in meeting the long term affordable housing needs of Palm Beach County residents
bull Create vibrant mixed-income communities
bull Undertake a client focused approach to community development
bull Create sustainable communities
bull Collaborate
CLT OF PALM BEACH COUNTY
12 SOUTH FLORIDA COMMUNITY LAND TRUST NETWORK
4938 Davis Road Lake Worth561-318-8442wwwcltofpbcorg
BOARD OF DIRECTORSHAZEL LUCAS ESQPRESIDENT
TIMOTHY WHEAT VICE PRESIDENT
ANDREW ZEEMANTREASURER
ANGELA USHERSECRETARY
DOROTHY ELLINGTON
TANGENICA HENRY
VICE MAYOR SCOTT MAXWELL
TAMMY MCDONALD ANDERSON
SEMENTHA SANTANGELO
MAYOR SHANIQUE SCOTT
SHEMERRIA BURGESS
RANDY WERTEPNY
STAFFCINDEE LACOURSE-BLUMEXECUTIVE DIRECTOR
TANYA WARD BENGAMINHOUSING MANAGER
One defining feature in the idea of community is that its members affect each otherrsquos quality of life Nowhere is this demonstrated better and in a more positive manner than by the Community Land Trust of Palm Beach County (CLT of PBC) This countywide nonprofit organizationrsquos aim is to provide permanently affordable housing opportunities for its residents
ldquoIn general the understanding that humans need homes to both survive and thrive motivates me to work in affordable housingrdquo Cindee LaCourse-Blum Executive Director explained Clearly there is a desperate need High housing costs and slow wage growth have made the area unaffordable for many
The CLT of PBC was initiated in 2006 by Palm Beach County but rapidly became a community project with a wide range of founding members including Gold Coast Builders Association Palm Beach County League of Cities Business Development Board Business Forum of Palm Beach County Florida Rural Legal Services Community Financing Consortium Adopt-A-Family of the Palm Beaches Inc South Florida LISC We Help Community Development Inc Fair Housing Center of the Greater Palm Beaches Urban League of Palm Beach County Housing Partnership North Palm Beach Chamber of Commerce and the School District of Palm Beach County
These groups pulled together with the goal of creating vibrant mixed-income sustainable communities with a permanent supply of both rental and homeownership opportunities
Now with 108 total units throughout central Palm Beach County the dream is coming to fruition Itrsquos easy to see that the CLT of PBC serves as a successful model for demonstrating the power of a community and its ability do great things
+3380 28Rental Units
CLT Owner Units
Units by 2017
1310 Years of Community Land Trusts in South Florida April 2016
Love what you do and you will never work a day in your life Itrsquos a common quote not often practiced by many However Evelyn Dobson Executive Director of Delray Beach Community Land Trust (DBCLT) and Gary Eliopoulos Chairman of the Board seem to live by this motto
ldquoI feel like I finally found my niche in what I do because I know what it feels like to dream of becoming a homeowner and at times feeling that it may never happenrdquo said Evelyn Dobson when describing her job ldquoTo see the smile on the homeowners face when they get the keys to their home is the most rewarding feelingrdquo
Gary shares the same sentiment describing that the DBCLT was the perfect fit for him Itrsquos a feeling that kept their door open despite difficult times
The organization was formed in 2006 During the Great Recession DBCLT operated with a limited staff worked tirelessly with lending institutes and refused to give up ldquoTo be able to say that we are still operating after the Great Recession is our organizations greatest accomplishmentrdquo said Gary Eliopoulos
ldquoWe sustained the housing program services provided by the organization and that is of most importancerdquo
Fast-forward ten years and the team has served more than 500 households and currently stewards and manages 107 units including single-family homes townhomes and rentals However Evelyn and Gary refuse to stop there
DELRAY BEACH CLT
FOSTERING HEALTHY COMMUNITIES THROUGH THE CREATION STABILIZATION AND PRESERVATION OF QUALITY LONG-TERM AFFORDABLE HOUSING
14 SOUTH FLORIDA COMMUNITY LAND TRUST NETWORK
145 SW 12th Avenue Delray Beach561-243-7500 wwwdelraylandtrustorg
BOARD OF DIRECTORSGARY P ELIOPOULOSPRESIDENT
KIMBERLY CAMEJOVICE PRESIDENT
DYSONYA MITCHELLTREASURER
MORRIE WEINMANSECRETARY
ARTHUR BROWN
POLK COTTON
CHERYL HAYWOOD
VICKI HILL
ANTHONY HOLLIDAY JR
ELTON MCGOWAN JR
KIMBERLY MORRIS
PATRICIA WRIGHT
STAFF
EVELYN DOBSONEXECUTIVE DIRECTOR
GERECIA JACKSON EDMONDHOUSING MANAGER
AHMED BURTONHOUSING COORDINATOR
+1243 64Rental Units
CLT Owner Units
Units by 2017
The DBCLT Atlantic Park Square Project along SW 14th Avenue will consist of 22 single family homes upon completion with three to four bedrooms rear-and-side loaded garages and large elevated porches Of the 22 planned 21 have been completed and sold with one lot remaining It is a true example of how the DBCLT City of Delray Beach and Delray Beach CRA can partner to create something spectacular
ldquoWe continue to work together The organization is accountable the dedication is there and we have made affordable housing a reality for very-low- to moderate-income householdsrdquo said Dobson As housing prices increase Evelyn and Gary look forward to a very bright future The CLT model is working thanks to the hard work and dedication of the team and partners
1510 Years of Community Land Trusts in South Florida April 2016
HEARTFELT FLORIDA HOUSING CLTDEVELOPING THRIVING STABLE COMMUNITIES THROUGH THE ACQUISITION OF LAND amp THE CREATION amp STEWARDSHIP OF PERMANENTLY AFFORDABLE HOUSING FOR LOW- TO MODERATE-INCOME INDIVIDUALS
Ocean Breeze West sounds like a tropical paradise and for the residents there it is The development is constructed on a 45 acre site which was destroyed by the hurricanes of 2004 and now has 21 new single-family homes located in the heart of Boynton It is the first Heartfelt Florida Housing Community Land Trust (HFHCLT) mixed-income development aimed at an innovative socially responsible and sustainable solutions to the lack of affordable housing opportunities in South Palm Beach
After 25 years of serving South Palm Beach the local affiliate of Habitat for Humanity decided to utilize the community land trust model and the nonprofit Heartfelt Florida Housing Community Land Trust (HFHCLT) was founded in 2010
Mike Williams Associate Executive Director at Habitat for Humanity of South Palm Beach County shared his vision when he stated ldquoThe impact of having a decent place to live especially for kids who do so much better
16 SOUTH FLORIDA COMMUNITY LAND TRUST NETWORK
181 SE 5th Avenue Delray Beach561-819-6070wwwheartfeltcltorg
BOARD OF DIRECTORS
JEREMY AHWEE PRESIDENT
MIKE CAMPBELLSECRETARY
PAMELA OWENS TREASURER
WANESTA BUSH MEMBER
DIANA HILLMAN MEMBER
ROJUANA MOSSMEMBER
MIKE OWEN MEMBER
STAFFDONNA WALDRONEXECUTIVE DIRECTOR
when they have a place to study and thrive and the parents themselves who donrsquot have to worry about a landlord or where they will live next month and being able to address that is the greatest motivationrdquo
The focus of the land trust is to make these homes permanently affordable The homeowners are granted a long-term ground lease with their home purchase and can stay there for its duration If they choose to sell a formula is used to allow a limited but fair return to the seller while keeping the structure affordable for the next buyer ensuring perpetual affordability
In addition to the goal of perpetual affordability Heartfelt works with its present and future residents to safeguard the homes and maintain the security of its occupants Ocean Breeze West brings new hope to the entire community It provides an opportunity for working families to return to a neighborhood that lost residents when the former buildings were rendered uninhabitable
Yet HFHCLT isnrsquot satisfied that enough has been done They are committed to the expansion of their acquisition and development program According to Mike HFHCLT is working with the City of Delray in looking at a couple of areas to do bigger developments
HFHCLT is paving the way to preserving the quality affordability and economic diversity of housing for residents of South Palm Beach County Florida
27CLT Owner Units
+18Units by 2017
1710 Years of Community Land Trusts in South Florida April 2016
SOUTH FLORIDA CLTPROVIDING AND PRESERVING QUALITY SUSTAINABLE AFFORDABLE HOUSING FOR UNDERSERVED POPULATIONS IN SOUTH FLORIDA When driving through the quiet neighborhoods of South Florida you notice houses transformed into homes with families making memories inside But what you donrsquot notice is the history as to how these families got there Behind that brick and concrete is something even stronger Perseverance
It is this adjective that weaves throughout the South Florida Community Land Trust (SFCLT) foundation SFCLT has assisted over 100 individuals to find a home But achieving this goal wasnrsquot always easy
ldquoOur first project was the most challengingrdquo said Mandy Bartle SFCLT Executive Director ldquoWe bought an apartment building in a nice wealthy community There was a lot of resistance from the neighbors and commissioners for developing affordable housing in the neighborhood After we
remodeled the apartments we them showed how beautiful it was and started getting calls from the community about moving in We were able to change perceptions about what affordable housing doesrdquo
Through hard work and perseverance Mandy and her team grew the South Florida Community Land Trust into what it is today
South Florida Community Land Trust is a nonprofit corporation that develops and preserves affordable housing in South Florida It is one of the few organizations in South Florida that is focused on creating a permanent source of affordable housing to help both current and future homeowners They work to help South Florida residents afford a home without compromising on safety or quality
1007 N Federal HWY 2999547691731wwwsouthfloridacltorg
BOARD OF DIRECTORS
GIOVANNI MOSSPRESIDENT
MARCIE OPPENHEIMER NOLANVICE PRESIDENT
JERRY HENISERTREASURER
SANDRA EINHORNSECRETARY
MARCIA BARRY-SMITH
MONICA NAVARRO
STEVE WERTHMAN
STAFFMANDY SPANGLER BARTLEEXECUTIVE DIRECTOR
MATT WEISSPROPERTY MANAGER
ANNA MCMASTERPROGRAM MANAGER
+15
SFCLT was formed in 2006 a time plagued with high unemployment rates and banks hesitant to loan Yet the team persevered They were able to advocate to the banks to offer loans to their homeowners
The future is very bright for SFCLT They have plans to expand to Miami Florida within two years Despite the various challenges SFCLT knows they need to be there
ldquoNumerous reports have cited the need as it is one of few major metropolitan areas in the country without a CLT We are one of a number of groups trying to change thatrdquo said Bartle ldquoThere are CLTrsquos in Monroe Palm Beach and Broward Counties and Miami is one of the most expensive markets- thatrsquos why the need is so greatrdquo
South Florida Community Land Trust will continue to make a difference in the lives of South Florida residents and hopefully one day the residents of Miami-Dade County
46 8Rental Units
CLT Owner Units
Units by 2017
1910 Years of Community Land Trusts in South Florida April 2016
HOUSING LEADERSHIP COUNCIL OF PALM BEACH COUNTY
SFCLTN PARTNER ORGANIZATIONS
It can be easy to take advantage of a warm bed shelter during a storm a place to call home These are things we have been given since we could remember However it is the team at the Housing Leadership Council of Palm Beach County (HLCPBC) that remind us that lifersquos ldquosimplicitiesrdquo are actually quite difficult to obtain
In July 2006 the Workforce Housing Needs Assessment released a shocking report on the depth and severity of the housing market in Palm Beach County They found approximately 60 percent of Palm Beach County residents earn less than 50 percent of the area median income With such high numbers many low to mid-size earners were struggling financially to obtain or keep their homes
The report called for each county and municipality to develop a comprehensive housing policy that addresses the urgent need of expanding and preserving the inventory of affordable housing Immediately the Housing Leadership of Palm Beach County was born with a mission that housing is attainable for the workforce at all income levels through education advocacy and facilitating collaboration
Ten years later the organization continues thrive off that mission Since 2007 the Housing Leadership Council has been working on important collaborative efforts that ensure we address the current issues of stabilizing neighborhoods and making sure we have an adequate supply of workforce housing in our community
They remind us each day that we all need a place to call home
wwwhlcpbcorg
20 SOUTH FLORIDA COMMUNITY LAND TRUST NETWORK
ADOPT-A-FAMILY OF THE PALM BEACHES
HOUSING PARTNERSHIP
NEIGHBORHOOD RENAISSANCE
Research | Design | Programming
wwwadoptafamilypbcorg
Adopt-A-Family is a 501c3 nonprofit charitable organization dedicated to strengthening families with children in their efforts to achieve stability and self-sufficiency by providing access to all-encompassing services
wwwneighborhoodrenaissanceorg
Neighborhood Renaissance Inc is a nonprofit community based organization dedicated to building and supporting strong economies and diverse communities in Palm Beach County They do so by creating workforce housing opportunities jobs and small business prospects for low and moderate income persons
9 CLT HOMEOWNERSHIP UNITS45 PERMANENTLY AFFORDABLE RENTAL UNITS
wwwcp-ctoorghousing-partnership
Housing Partnership Inc a member of Community Partners began in 1986 and has come to believe that finding impactful solutions to complex community issues requires an approach that is both holistic and focused In all that they do they strive to work with the person in the context of their family and with the family in the context of their community
1 CLT HOMEOWNERSHIP UNIT9 PERMANENTLY AFFORDABLE RENTAL UNITS
2110 Years of Community Land Trusts in South Florida April 2016
The South Florida Community Land Trust Network (SFCLTN) is a collaborative comprised of Community Land Trusts and key partner organizations operating in South Florida
SFCLTN LeadHousing Leadership Council of Palm Beach County | wwwhlcpbcorg
Community Land Trust MembersCommunity Land Trust of Palm Beach County |wwwcltofpbcorgDelray Beach Community Land Trust | wwwdelraylandtrustorgHeartfelt Florida Housing Community Land Trust | wwwheartfeltcltorgSouth Florida Community Land Trust | wwwsouthfloridacltorg
Partner OrganizationsAdopt-A-Family of the Palm Beaches | wwwadoptafamilypbcorgHousing Partnership | wwwcp-ctoorghousing-partnershipNeighborhood Renaissance | wwwneighborhoodrenaissanceorg
THE SOUTH FLORIDA COMMUNITY LAND TRUSTNETWORK
5REASONS SOUTH FLORIDA NEEDS COMMUNITY LAND TRUSTS
Housing is the single largest expense a household faces To understand the full picture of housing affordability measuring the share of a householdrsquos income spent on housing is more telling than simply comparing expenses Households spending more than 30 of their income on housing costs are considered housing cost-burdened those spending more that 50 are severely cost-burdened
By these measures 47 of households in the tri-county region are housing cost-burdened and over half of those households are severely cost-burdened ndash the highest percentage in the country This gap between income and the cost of housing continues to widen in South Florida
The result is a region where nearly half of all households struggle to maintain stable housing often foregoing other essentials including healthy food education or healthcare Community Land Trusts provide a long-term solution to bridge the gap between what households can afford and what the market provides
2015 State of the Nationrsquos Housing by the Joint Center for Housing Studies of Harvard University
01 ADDRESSING HIGH HOUSING COST
8 SOUTH FLORIDA COMMUNITY LAND TRUST NETWORK
65 decline in homeownership since 2006
A telling indicator of the state of our regionrsquos housing is the steep drop in homeownership While all but one metropolitan market experienced declines in homeownership between 2006 and 2013 South Florida had the sixth highest decline in the nation by 65 Some of this is undoubtedly related to the housing boom and bust stricter lending standards and generational choices Itrsquos also attributable to the fact that many are struggling to save for a down payment due to overwhelming rental costs and debt
Decreased opportunities for homeownership has negative impacts on economic outcomes particularly wealth accumulation Community Land Trusts can provide a stepping stool to get people out of renting and into homeownership Through a shared-equity model CLT homeowners are building wealth
2015 State of the Nationrsquos Housing by the Joint Center for Housing Studies of Harvard University
02 INCREASING HOMEOWNERSHIP OPPORTUNITIES
03 LINKING HOUSING AND TRANSIT
South Florida is quickly expanding its transportation infrastructure to improve mobility and connectivity in South Florida There is an opportunity to link those positive changes to increased access to housing that is affordable The time to make that link is now
Beyond housing the second highest cost a family faces is transportation In South Florida the combined burden of housing and transportation costs for moderate-income renters and homeowners is the highest in the country eating up an average of 72 cents of each dollar earned
CLTs can and should play a critical role in ensuring that housing near transportation options in South Florida remains accessible to mixed-income households now and into the future
ldquoLosing Ground The Struggle of Moderate-Income Households to Afford the Rising Costs of Housing and Transportationrdquo Center for Housing Policy amp Center for Neighborhood Technology
910 Years of Community Land Trusts in South Florida April 2016
In most affordable homeownership programs public investments or subsidies are given in the form of down-payment assistance that is eventually forgiven or ldquorecapturedrdquo when the benefiting homeowner sells the home However in a housing market like South Floridarsquos where housing appreciates more quickly than incomes rise the amount of subsidy needed for subsequent homeowners will be greater than the amount recaptured Thus the value of recaptured subsidies diminishes over time fewer homeowners can be assisted and the affordability of homes is lost
CLTs on the other hand function to protect both affordability and public investments by recycling the subsidy from one buyer to the next generation after generation forever Particularly in a time when funding for housing is diminishing and demand is growing ensuring public investments have a sustained impact like this is critical
04 PRESERVING PUBLIC INVESTMENTS
$$$
TIME
COST OF MARKET RATE HOUSINGSubsidy retained with the
property COST OF CLT HOUSING
INCOME
CLTs function to protect both affordability amp public investments by recycling the subsidy from one buyer to the next generation after generation forever
10 SOUTH FLORIDA COMMUNITY LAND TRUST NETWORK
05 ADDING ECONOMIC VALUE
Developing affordable housing builds more than just homes ndash itrsquos a proven economic driver that increases spending and employment in the surrounding economy Moreover without an adequate supply of affordable housing employers ndash and entire regional job markets ndash are disadvantaged due to their inability to attract and retain workers Affordable housing also improves educational outcomes by allowing families access to high performing schools and reducing unwanted moves
Affordable housing not only builds the economy but is also a stabilizing force A national survey finds that CLT homeowners are eight times less likely to be in the process of foreclosure than owners of market-rate homes The lower incidence of foreclosure among CLT homes in turn represents significant direct and indirect cost savings for municipalities in avoiding potential foreclosures
Thaden Emily 2010 June 7 Outperforming the Market Making Sense of the Low Rates of Delinquencies and Foreclosures in Community Land Trusts Nashville TN Peabody College Vanderbilt University
ldquoThe fact that the land is not counted in the price of the home in and of itself immediately establishes CLT homes as attainable In addition the fact that CLTs continues to support homeowners after homes are purchased is to me one of the strongest yet least visible pillars of the modelrdquo
- Marcia Barry-Smith MBS Consulting Services amp H2H Founder
1110 Years of Community Land Trusts in South Florida April 2016
INCREASING THE PERMANENT SUPPLY OF AFFORDABLE HOUSING IN PALM BEACH COUNTY THROUGHbull Land acquisition housing development preservation
bull Create a permanent supply of both rental and homeownership opportunities
bull Develop the community land trust model as an effective tool in meeting the long term affordable housing needs of Palm Beach County residents
bull Create vibrant mixed-income communities
bull Undertake a client focused approach to community development
bull Create sustainable communities
bull Collaborate
CLT OF PALM BEACH COUNTY
12 SOUTH FLORIDA COMMUNITY LAND TRUST NETWORK
4938 Davis Road Lake Worth561-318-8442wwwcltofpbcorg
BOARD OF DIRECTORSHAZEL LUCAS ESQPRESIDENT
TIMOTHY WHEAT VICE PRESIDENT
ANDREW ZEEMANTREASURER
ANGELA USHERSECRETARY
DOROTHY ELLINGTON
TANGENICA HENRY
VICE MAYOR SCOTT MAXWELL
TAMMY MCDONALD ANDERSON
SEMENTHA SANTANGELO
MAYOR SHANIQUE SCOTT
SHEMERRIA BURGESS
RANDY WERTEPNY
STAFFCINDEE LACOURSE-BLUMEXECUTIVE DIRECTOR
TANYA WARD BENGAMINHOUSING MANAGER
One defining feature in the idea of community is that its members affect each otherrsquos quality of life Nowhere is this demonstrated better and in a more positive manner than by the Community Land Trust of Palm Beach County (CLT of PBC) This countywide nonprofit organizationrsquos aim is to provide permanently affordable housing opportunities for its residents
ldquoIn general the understanding that humans need homes to both survive and thrive motivates me to work in affordable housingrdquo Cindee LaCourse-Blum Executive Director explained Clearly there is a desperate need High housing costs and slow wage growth have made the area unaffordable for many
The CLT of PBC was initiated in 2006 by Palm Beach County but rapidly became a community project with a wide range of founding members including Gold Coast Builders Association Palm Beach County League of Cities Business Development Board Business Forum of Palm Beach County Florida Rural Legal Services Community Financing Consortium Adopt-A-Family of the Palm Beaches Inc South Florida LISC We Help Community Development Inc Fair Housing Center of the Greater Palm Beaches Urban League of Palm Beach County Housing Partnership North Palm Beach Chamber of Commerce and the School District of Palm Beach County
These groups pulled together with the goal of creating vibrant mixed-income sustainable communities with a permanent supply of both rental and homeownership opportunities
Now with 108 total units throughout central Palm Beach County the dream is coming to fruition Itrsquos easy to see that the CLT of PBC serves as a successful model for demonstrating the power of a community and its ability do great things
+3380 28Rental Units
CLT Owner Units
Units by 2017
1310 Years of Community Land Trusts in South Florida April 2016
Love what you do and you will never work a day in your life Itrsquos a common quote not often practiced by many However Evelyn Dobson Executive Director of Delray Beach Community Land Trust (DBCLT) and Gary Eliopoulos Chairman of the Board seem to live by this motto
ldquoI feel like I finally found my niche in what I do because I know what it feels like to dream of becoming a homeowner and at times feeling that it may never happenrdquo said Evelyn Dobson when describing her job ldquoTo see the smile on the homeowners face when they get the keys to their home is the most rewarding feelingrdquo
Gary shares the same sentiment describing that the DBCLT was the perfect fit for him Itrsquos a feeling that kept their door open despite difficult times
The organization was formed in 2006 During the Great Recession DBCLT operated with a limited staff worked tirelessly with lending institutes and refused to give up ldquoTo be able to say that we are still operating after the Great Recession is our organizations greatest accomplishmentrdquo said Gary Eliopoulos
ldquoWe sustained the housing program services provided by the organization and that is of most importancerdquo
Fast-forward ten years and the team has served more than 500 households and currently stewards and manages 107 units including single-family homes townhomes and rentals However Evelyn and Gary refuse to stop there
DELRAY BEACH CLT
FOSTERING HEALTHY COMMUNITIES THROUGH THE CREATION STABILIZATION AND PRESERVATION OF QUALITY LONG-TERM AFFORDABLE HOUSING
14 SOUTH FLORIDA COMMUNITY LAND TRUST NETWORK
145 SW 12th Avenue Delray Beach561-243-7500 wwwdelraylandtrustorg
BOARD OF DIRECTORSGARY P ELIOPOULOSPRESIDENT
KIMBERLY CAMEJOVICE PRESIDENT
DYSONYA MITCHELLTREASURER
MORRIE WEINMANSECRETARY
ARTHUR BROWN
POLK COTTON
CHERYL HAYWOOD
VICKI HILL
ANTHONY HOLLIDAY JR
ELTON MCGOWAN JR
KIMBERLY MORRIS
PATRICIA WRIGHT
STAFF
EVELYN DOBSONEXECUTIVE DIRECTOR
GERECIA JACKSON EDMONDHOUSING MANAGER
AHMED BURTONHOUSING COORDINATOR
+1243 64Rental Units
CLT Owner Units
Units by 2017
The DBCLT Atlantic Park Square Project along SW 14th Avenue will consist of 22 single family homes upon completion with three to four bedrooms rear-and-side loaded garages and large elevated porches Of the 22 planned 21 have been completed and sold with one lot remaining It is a true example of how the DBCLT City of Delray Beach and Delray Beach CRA can partner to create something spectacular
ldquoWe continue to work together The organization is accountable the dedication is there and we have made affordable housing a reality for very-low- to moderate-income householdsrdquo said Dobson As housing prices increase Evelyn and Gary look forward to a very bright future The CLT model is working thanks to the hard work and dedication of the team and partners
1510 Years of Community Land Trusts in South Florida April 2016
HEARTFELT FLORIDA HOUSING CLTDEVELOPING THRIVING STABLE COMMUNITIES THROUGH THE ACQUISITION OF LAND amp THE CREATION amp STEWARDSHIP OF PERMANENTLY AFFORDABLE HOUSING FOR LOW- TO MODERATE-INCOME INDIVIDUALS
Ocean Breeze West sounds like a tropical paradise and for the residents there it is The development is constructed on a 45 acre site which was destroyed by the hurricanes of 2004 and now has 21 new single-family homes located in the heart of Boynton It is the first Heartfelt Florida Housing Community Land Trust (HFHCLT) mixed-income development aimed at an innovative socially responsible and sustainable solutions to the lack of affordable housing opportunities in South Palm Beach
After 25 years of serving South Palm Beach the local affiliate of Habitat for Humanity decided to utilize the community land trust model and the nonprofit Heartfelt Florida Housing Community Land Trust (HFHCLT) was founded in 2010
Mike Williams Associate Executive Director at Habitat for Humanity of South Palm Beach County shared his vision when he stated ldquoThe impact of having a decent place to live especially for kids who do so much better
16 SOUTH FLORIDA COMMUNITY LAND TRUST NETWORK
181 SE 5th Avenue Delray Beach561-819-6070wwwheartfeltcltorg
BOARD OF DIRECTORS
JEREMY AHWEE PRESIDENT
MIKE CAMPBELLSECRETARY
PAMELA OWENS TREASURER
WANESTA BUSH MEMBER
DIANA HILLMAN MEMBER
ROJUANA MOSSMEMBER
MIKE OWEN MEMBER
STAFFDONNA WALDRONEXECUTIVE DIRECTOR
when they have a place to study and thrive and the parents themselves who donrsquot have to worry about a landlord or where they will live next month and being able to address that is the greatest motivationrdquo
The focus of the land trust is to make these homes permanently affordable The homeowners are granted a long-term ground lease with their home purchase and can stay there for its duration If they choose to sell a formula is used to allow a limited but fair return to the seller while keeping the structure affordable for the next buyer ensuring perpetual affordability
In addition to the goal of perpetual affordability Heartfelt works with its present and future residents to safeguard the homes and maintain the security of its occupants Ocean Breeze West brings new hope to the entire community It provides an opportunity for working families to return to a neighborhood that lost residents when the former buildings were rendered uninhabitable
Yet HFHCLT isnrsquot satisfied that enough has been done They are committed to the expansion of their acquisition and development program According to Mike HFHCLT is working with the City of Delray in looking at a couple of areas to do bigger developments
HFHCLT is paving the way to preserving the quality affordability and economic diversity of housing for residents of South Palm Beach County Florida
27CLT Owner Units
+18Units by 2017
1710 Years of Community Land Trusts in South Florida April 2016
SOUTH FLORIDA CLTPROVIDING AND PRESERVING QUALITY SUSTAINABLE AFFORDABLE HOUSING FOR UNDERSERVED POPULATIONS IN SOUTH FLORIDA When driving through the quiet neighborhoods of South Florida you notice houses transformed into homes with families making memories inside But what you donrsquot notice is the history as to how these families got there Behind that brick and concrete is something even stronger Perseverance
It is this adjective that weaves throughout the South Florida Community Land Trust (SFCLT) foundation SFCLT has assisted over 100 individuals to find a home But achieving this goal wasnrsquot always easy
ldquoOur first project was the most challengingrdquo said Mandy Bartle SFCLT Executive Director ldquoWe bought an apartment building in a nice wealthy community There was a lot of resistance from the neighbors and commissioners for developing affordable housing in the neighborhood After we
remodeled the apartments we them showed how beautiful it was and started getting calls from the community about moving in We were able to change perceptions about what affordable housing doesrdquo
Through hard work and perseverance Mandy and her team grew the South Florida Community Land Trust into what it is today
South Florida Community Land Trust is a nonprofit corporation that develops and preserves affordable housing in South Florida It is one of the few organizations in South Florida that is focused on creating a permanent source of affordable housing to help both current and future homeowners They work to help South Florida residents afford a home without compromising on safety or quality
1007 N Federal HWY 2999547691731wwwsouthfloridacltorg
BOARD OF DIRECTORS
GIOVANNI MOSSPRESIDENT
MARCIE OPPENHEIMER NOLANVICE PRESIDENT
JERRY HENISERTREASURER
SANDRA EINHORNSECRETARY
MARCIA BARRY-SMITH
MONICA NAVARRO
STEVE WERTHMAN
STAFFMANDY SPANGLER BARTLEEXECUTIVE DIRECTOR
MATT WEISSPROPERTY MANAGER
ANNA MCMASTERPROGRAM MANAGER
+15
SFCLT was formed in 2006 a time plagued with high unemployment rates and banks hesitant to loan Yet the team persevered They were able to advocate to the banks to offer loans to their homeowners
The future is very bright for SFCLT They have plans to expand to Miami Florida within two years Despite the various challenges SFCLT knows they need to be there
ldquoNumerous reports have cited the need as it is one of few major metropolitan areas in the country without a CLT We are one of a number of groups trying to change thatrdquo said Bartle ldquoThere are CLTrsquos in Monroe Palm Beach and Broward Counties and Miami is one of the most expensive markets- thatrsquos why the need is so greatrdquo
South Florida Community Land Trust will continue to make a difference in the lives of South Florida residents and hopefully one day the residents of Miami-Dade County
46 8Rental Units
CLT Owner Units
Units by 2017
1910 Years of Community Land Trusts in South Florida April 2016
HOUSING LEADERSHIP COUNCIL OF PALM BEACH COUNTY
SFCLTN PARTNER ORGANIZATIONS
It can be easy to take advantage of a warm bed shelter during a storm a place to call home These are things we have been given since we could remember However it is the team at the Housing Leadership Council of Palm Beach County (HLCPBC) that remind us that lifersquos ldquosimplicitiesrdquo are actually quite difficult to obtain
In July 2006 the Workforce Housing Needs Assessment released a shocking report on the depth and severity of the housing market in Palm Beach County They found approximately 60 percent of Palm Beach County residents earn less than 50 percent of the area median income With such high numbers many low to mid-size earners were struggling financially to obtain or keep their homes
The report called for each county and municipality to develop a comprehensive housing policy that addresses the urgent need of expanding and preserving the inventory of affordable housing Immediately the Housing Leadership of Palm Beach County was born with a mission that housing is attainable for the workforce at all income levels through education advocacy and facilitating collaboration
Ten years later the organization continues thrive off that mission Since 2007 the Housing Leadership Council has been working on important collaborative efforts that ensure we address the current issues of stabilizing neighborhoods and making sure we have an adequate supply of workforce housing in our community
They remind us each day that we all need a place to call home
wwwhlcpbcorg
20 SOUTH FLORIDA COMMUNITY LAND TRUST NETWORK
ADOPT-A-FAMILY OF THE PALM BEACHES
HOUSING PARTNERSHIP
NEIGHBORHOOD RENAISSANCE
Research | Design | Programming
wwwadoptafamilypbcorg
Adopt-A-Family is a 501c3 nonprofit charitable organization dedicated to strengthening families with children in their efforts to achieve stability and self-sufficiency by providing access to all-encompassing services
wwwneighborhoodrenaissanceorg
Neighborhood Renaissance Inc is a nonprofit community based organization dedicated to building and supporting strong economies and diverse communities in Palm Beach County They do so by creating workforce housing opportunities jobs and small business prospects for low and moderate income persons
9 CLT HOMEOWNERSHIP UNITS45 PERMANENTLY AFFORDABLE RENTAL UNITS
wwwcp-ctoorghousing-partnership
Housing Partnership Inc a member of Community Partners began in 1986 and has come to believe that finding impactful solutions to complex community issues requires an approach that is both holistic and focused In all that they do they strive to work with the person in the context of their family and with the family in the context of their community
1 CLT HOMEOWNERSHIP UNIT9 PERMANENTLY AFFORDABLE RENTAL UNITS
2110 Years of Community Land Trusts in South Florida April 2016
The South Florida Community Land Trust Network (SFCLTN) is a collaborative comprised of Community Land Trusts and key partner organizations operating in South Florida
SFCLTN LeadHousing Leadership Council of Palm Beach County | wwwhlcpbcorg
Community Land Trust MembersCommunity Land Trust of Palm Beach County |wwwcltofpbcorgDelray Beach Community Land Trust | wwwdelraylandtrustorgHeartfelt Florida Housing Community Land Trust | wwwheartfeltcltorgSouth Florida Community Land Trust | wwwsouthfloridacltorg
Partner OrganizationsAdopt-A-Family of the Palm Beaches | wwwadoptafamilypbcorgHousing Partnership | wwwcp-ctoorghousing-partnershipNeighborhood Renaissance | wwwneighborhoodrenaissanceorg
THE SOUTH FLORIDA COMMUNITY LAND TRUSTNETWORK
65 decline in homeownership since 2006
A telling indicator of the state of our regionrsquos housing is the steep drop in homeownership While all but one metropolitan market experienced declines in homeownership between 2006 and 2013 South Florida had the sixth highest decline in the nation by 65 Some of this is undoubtedly related to the housing boom and bust stricter lending standards and generational choices Itrsquos also attributable to the fact that many are struggling to save for a down payment due to overwhelming rental costs and debt
Decreased opportunities for homeownership has negative impacts on economic outcomes particularly wealth accumulation Community Land Trusts can provide a stepping stool to get people out of renting and into homeownership Through a shared-equity model CLT homeowners are building wealth
2015 State of the Nationrsquos Housing by the Joint Center for Housing Studies of Harvard University
02 INCREASING HOMEOWNERSHIP OPPORTUNITIES
03 LINKING HOUSING AND TRANSIT
South Florida is quickly expanding its transportation infrastructure to improve mobility and connectivity in South Florida There is an opportunity to link those positive changes to increased access to housing that is affordable The time to make that link is now
Beyond housing the second highest cost a family faces is transportation In South Florida the combined burden of housing and transportation costs for moderate-income renters and homeowners is the highest in the country eating up an average of 72 cents of each dollar earned
CLTs can and should play a critical role in ensuring that housing near transportation options in South Florida remains accessible to mixed-income households now and into the future
ldquoLosing Ground The Struggle of Moderate-Income Households to Afford the Rising Costs of Housing and Transportationrdquo Center for Housing Policy amp Center for Neighborhood Technology
910 Years of Community Land Trusts in South Florida April 2016
In most affordable homeownership programs public investments or subsidies are given in the form of down-payment assistance that is eventually forgiven or ldquorecapturedrdquo when the benefiting homeowner sells the home However in a housing market like South Floridarsquos where housing appreciates more quickly than incomes rise the amount of subsidy needed for subsequent homeowners will be greater than the amount recaptured Thus the value of recaptured subsidies diminishes over time fewer homeowners can be assisted and the affordability of homes is lost
CLTs on the other hand function to protect both affordability and public investments by recycling the subsidy from one buyer to the next generation after generation forever Particularly in a time when funding for housing is diminishing and demand is growing ensuring public investments have a sustained impact like this is critical
04 PRESERVING PUBLIC INVESTMENTS
$$$
TIME
COST OF MARKET RATE HOUSINGSubsidy retained with the
property COST OF CLT HOUSING
INCOME
CLTs function to protect both affordability amp public investments by recycling the subsidy from one buyer to the next generation after generation forever
10 SOUTH FLORIDA COMMUNITY LAND TRUST NETWORK
05 ADDING ECONOMIC VALUE
Developing affordable housing builds more than just homes ndash itrsquos a proven economic driver that increases spending and employment in the surrounding economy Moreover without an adequate supply of affordable housing employers ndash and entire regional job markets ndash are disadvantaged due to their inability to attract and retain workers Affordable housing also improves educational outcomes by allowing families access to high performing schools and reducing unwanted moves
Affordable housing not only builds the economy but is also a stabilizing force A national survey finds that CLT homeowners are eight times less likely to be in the process of foreclosure than owners of market-rate homes The lower incidence of foreclosure among CLT homes in turn represents significant direct and indirect cost savings for municipalities in avoiding potential foreclosures
Thaden Emily 2010 June 7 Outperforming the Market Making Sense of the Low Rates of Delinquencies and Foreclosures in Community Land Trusts Nashville TN Peabody College Vanderbilt University
ldquoThe fact that the land is not counted in the price of the home in and of itself immediately establishes CLT homes as attainable In addition the fact that CLTs continues to support homeowners after homes are purchased is to me one of the strongest yet least visible pillars of the modelrdquo
- Marcia Barry-Smith MBS Consulting Services amp H2H Founder
1110 Years of Community Land Trusts in South Florida April 2016
INCREASING THE PERMANENT SUPPLY OF AFFORDABLE HOUSING IN PALM BEACH COUNTY THROUGHbull Land acquisition housing development preservation
bull Create a permanent supply of both rental and homeownership opportunities
bull Develop the community land trust model as an effective tool in meeting the long term affordable housing needs of Palm Beach County residents
bull Create vibrant mixed-income communities
bull Undertake a client focused approach to community development
bull Create sustainable communities
bull Collaborate
CLT OF PALM BEACH COUNTY
12 SOUTH FLORIDA COMMUNITY LAND TRUST NETWORK
4938 Davis Road Lake Worth561-318-8442wwwcltofpbcorg
BOARD OF DIRECTORSHAZEL LUCAS ESQPRESIDENT
TIMOTHY WHEAT VICE PRESIDENT
ANDREW ZEEMANTREASURER
ANGELA USHERSECRETARY
DOROTHY ELLINGTON
TANGENICA HENRY
VICE MAYOR SCOTT MAXWELL
TAMMY MCDONALD ANDERSON
SEMENTHA SANTANGELO
MAYOR SHANIQUE SCOTT
SHEMERRIA BURGESS
RANDY WERTEPNY
STAFFCINDEE LACOURSE-BLUMEXECUTIVE DIRECTOR
TANYA WARD BENGAMINHOUSING MANAGER
One defining feature in the idea of community is that its members affect each otherrsquos quality of life Nowhere is this demonstrated better and in a more positive manner than by the Community Land Trust of Palm Beach County (CLT of PBC) This countywide nonprofit organizationrsquos aim is to provide permanently affordable housing opportunities for its residents
ldquoIn general the understanding that humans need homes to both survive and thrive motivates me to work in affordable housingrdquo Cindee LaCourse-Blum Executive Director explained Clearly there is a desperate need High housing costs and slow wage growth have made the area unaffordable for many
The CLT of PBC was initiated in 2006 by Palm Beach County but rapidly became a community project with a wide range of founding members including Gold Coast Builders Association Palm Beach County League of Cities Business Development Board Business Forum of Palm Beach County Florida Rural Legal Services Community Financing Consortium Adopt-A-Family of the Palm Beaches Inc South Florida LISC We Help Community Development Inc Fair Housing Center of the Greater Palm Beaches Urban League of Palm Beach County Housing Partnership North Palm Beach Chamber of Commerce and the School District of Palm Beach County
These groups pulled together with the goal of creating vibrant mixed-income sustainable communities with a permanent supply of both rental and homeownership opportunities
Now with 108 total units throughout central Palm Beach County the dream is coming to fruition Itrsquos easy to see that the CLT of PBC serves as a successful model for demonstrating the power of a community and its ability do great things
+3380 28Rental Units
CLT Owner Units
Units by 2017
1310 Years of Community Land Trusts in South Florida April 2016
Love what you do and you will never work a day in your life Itrsquos a common quote not often practiced by many However Evelyn Dobson Executive Director of Delray Beach Community Land Trust (DBCLT) and Gary Eliopoulos Chairman of the Board seem to live by this motto
ldquoI feel like I finally found my niche in what I do because I know what it feels like to dream of becoming a homeowner and at times feeling that it may never happenrdquo said Evelyn Dobson when describing her job ldquoTo see the smile on the homeowners face when they get the keys to their home is the most rewarding feelingrdquo
Gary shares the same sentiment describing that the DBCLT was the perfect fit for him Itrsquos a feeling that kept their door open despite difficult times
The organization was formed in 2006 During the Great Recession DBCLT operated with a limited staff worked tirelessly with lending institutes and refused to give up ldquoTo be able to say that we are still operating after the Great Recession is our organizations greatest accomplishmentrdquo said Gary Eliopoulos
ldquoWe sustained the housing program services provided by the organization and that is of most importancerdquo
Fast-forward ten years and the team has served more than 500 households and currently stewards and manages 107 units including single-family homes townhomes and rentals However Evelyn and Gary refuse to stop there
DELRAY BEACH CLT
FOSTERING HEALTHY COMMUNITIES THROUGH THE CREATION STABILIZATION AND PRESERVATION OF QUALITY LONG-TERM AFFORDABLE HOUSING
14 SOUTH FLORIDA COMMUNITY LAND TRUST NETWORK
145 SW 12th Avenue Delray Beach561-243-7500 wwwdelraylandtrustorg
BOARD OF DIRECTORSGARY P ELIOPOULOSPRESIDENT
KIMBERLY CAMEJOVICE PRESIDENT
DYSONYA MITCHELLTREASURER
MORRIE WEINMANSECRETARY
ARTHUR BROWN
POLK COTTON
CHERYL HAYWOOD
VICKI HILL
ANTHONY HOLLIDAY JR
ELTON MCGOWAN JR
KIMBERLY MORRIS
PATRICIA WRIGHT
STAFF
EVELYN DOBSONEXECUTIVE DIRECTOR
GERECIA JACKSON EDMONDHOUSING MANAGER
AHMED BURTONHOUSING COORDINATOR
+1243 64Rental Units
CLT Owner Units
Units by 2017
The DBCLT Atlantic Park Square Project along SW 14th Avenue will consist of 22 single family homes upon completion with three to four bedrooms rear-and-side loaded garages and large elevated porches Of the 22 planned 21 have been completed and sold with one lot remaining It is a true example of how the DBCLT City of Delray Beach and Delray Beach CRA can partner to create something spectacular
ldquoWe continue to work together The organization is accountable the dedication is there and we have made affordable housing a reality for very-low- to moderate-income householdsrdquo said Dobson As housing prices increase Evelyn and Gary look forward to a very bright future The CLT model is working thanks to the hard work and dedication of the team and partners
1510 Years of Community Land Trusts in South Florida April 2016
HEARTFELT FLORIDA HOUSING CLTDEVELOPING THRIVING STABLE COMMUNITIES THROUGH THE ACQUISITION OF LAND amp THE CREATION amp STEWARDSHIP OF PERMANENTLY AFFORDABLE HOUSING FOR LOW- TO MODERATE-INCOME INDIVIDUALS
Ocean Breeze West sounds like a tropical paradise and for the residents there it is The development is constructed on a 45 acre site which was destroyed by the hurricanes of 2004 and now has 21 new single-family homes located in the heart of Boynton It is the first Heartfelt Florida Housing Community Land Trust (HFHCLT) mixed-income development aimed at an innovative socially responsible and sustainable solutions to the lack of affordable housing opportunities in South Palm Beach
After 25 years of serving South Palm Beach the local affiliate of Habitat for Humanity decided to utilize the community land trust model and the nonprofit Heartfelt Florida Housing Community Land Trust (HFHCLT) was founded in 2010
Mike Williams Associate Executive Director at Habitat for Humanity of South Palm Beach County shared his vision when he stated ldquoThe impact of having a decent place to live especially for kids who do so much better
16 SOUTH FLORIDA COMMUNITY LAND TRUST NETWORK
181 SE 5th Avenue Delray Beach561-819-6070wwwheartfeltcltorg
BOARD OF DIRECTORS
JEREMY AHWEE PRESIDENT
MIKE CAMPBELLSECRETARY
PAMELA OWENS TREASURER
WANESTA BUSH MEMBER
DIANA HILLMAN MEMBER
ROJUANA MOSSMEMBER
MIKE OWEN MEMBER
STAFFDONNA WALDRONEXECUTIVE DIRECTOR
when they have a place to study and thrive and the parents themselves who donrsquot have to worry about a landlord or where they will live next month and being able to address that is the greatest motivationrdquo
The focus of the land trust is to make these homes permanently affordable The homeowners are granted a long-term ground lease with their home purchase and can stay there for its duration If they choose to sell a formula is used to allow a limited but fair return to the seller while keeping the structure affordable for the next buyer ensuring perpetual affordability
In addition to the goal of perpetual affordability Heartfelt works with its present and future residents to safeguard the homes and maintain the security of its occupants Ocean Breeze West brings new hope to the entire community It provides an opportunity for working families to return to a neighborhood that lost residents when the former buildings were rendered uninhabitable
Yet HFHCLT isnrsquot satisfied that enough has been done They are committed to the expansion of their acquisition and development program According to Mike HFHCLT is working with the City of Delray in looking at a couple of areas to do bigger developments
HFHCLT is paving the way to preserving the quality affordability and economic diversity of housing for residents of South Palm Beach County Florida
27CLT Owner Units
+18Units by 2017
1710 Years of Community Land Trusts in South Florida April 2016
SOUTH FLORIDA CLTPROVIDING AND PRESERVING QUALITY SUSTAINABLE AFFORDABLE HOUSING FOR UNDERSERVED POPULATIONS IN SOUTH FLORIDA When driving through the quiet neighborhoods of South Florida you notice houses transformed into homes with families making memories inside But what you donrsquot notice is the history as to how these families got there Behind that brick and concrete is something even stronger Perseverance
It is this adjective that weaves throughout the South Florida Community Land Trust (SFCLT) foundation SFCLT has assisted over 100 individuals to find a home But achieving this goal wasnrsquot always easy
ldquoOur first project was the most challengingrdquo said Mandy Bartle SFCLT Executive Director ldquoWe bought an apartment building in a nice wealthy community There was a lot of resistance from the neighbors and commissioners for developing affordable housing in the neighborhood After we
remodeled the apartments we them showed how beautiful it was and started getting calls from the community about moving in We were able to change perceptions about what affordable housing doesrdquo
Through hard work and perseverance Mandy and her team grew the South Florida Community Land Trust into what it is today
South Florida Community Land Trust is a nonprofit corporation that develops and preserves affordable housing in South Florida It is one of the few organizations in South Florida that is focused on creating a permanent source of affordable housing to help both current and future homeowners They work to help South Florida residents afford a home without compromising on safety or quality
1007 N Federal HWY 2999547691731wwwsouthfloridacltorg
BOARD OF DIRECTORS
GIOVANNI MOSSPRESIDENT
MARCIE OPPENHEIMER NOLANVICE PRESIDENT
JERRY HENISERTREASURER
SANDRA EINHORNSECRETARY
MARCIA BARRY-SMITH
MONICA NAVARRO
STEVE WERTHMAN
STAFFMANDY SPANGLER BARTLEEXECUTIVE DIRECTOR
MATT WEISSPROPERTY MANAGER
ANNA MCMASTERPROGRAM MANAGER
+15
SFCLT was formed in 2006 a time plagued with high unemployment rates and banks hesitant to loan Yet the team persevered They were able to advocate to the banks to offer loans to their homeowners
The future is very bright for SFCLT They have plans to expand to Miami Florida within two years Despite the various challenges SFCLT knows they need to be there
ldquoNumerous reports have cited the need as it is one of few major metropolitan areas in the country without a CLT We are one of a number of groups trying to change thatrdquo said Bartle ldquoThere are CLTrsquos in Monroe Palm Beach and Broward Counties and Miami is one of the most expensive markets- thatrsquos why the need is so greatrdquo
South Florida Community Land Trust will continue to make a difference in the lives of South Florida residents and hopefully one day the residents of Miami-Dade County
46 8Rental Units
CLT Owner Units
Units by 2017
1910 Years of Community Land Trusts in South Florida April 2016
HOUSING LEADERSHIP COUNCIL OF PALM BEACH COUNTY
SFCLTN PARTNER ORGANIZATIONS
It can be easy to take advantage of a warm bed shelter during a storm a place to call home These are things we have been given since we could remember However it is the team at the Housing Leadership Council of Palm Beach County (HLCPBC) that remind us that lifersquos ldquosimplicitiesrdquo are actually quite difficult to obtain
In July 2006 the Workforce Housing Needs Assessment released a shocking report on the depth and severity of the housing market in Palm Beach County They found approximately 60 percent of Palm Beach County residents earn less than 50 percent of the area median income With such high numbers many low to mid-size earners were struggling financially to obtain or keep their homes
The report called for each county and municipality to develop a comprehensive housing policy that addresses the urgent need of expanding and preserving the inventory of affordable housing Immediately the Housing Leadership of Palm Beach County was born with a mission that housing is attainable for the workforce at all income levels through education advocacy and facilitating collaboration
Ten years later the organization continues thrive off that mission Since 2007 the Housing Leadership Council has been working on important collaborative efforts that ensure we address the current issues of stabilizing neighborhoods and making sure we have an adequate supply of workforce housing in our community
They remind us each day that we all need a place to call home
wwwhlcpbcorg
20 SOUTH FLORIDA COMMUNITY LAND TRUST NETWORK
ADOPT-A-FAMILY OF THE PALM BEACHES
HOUSING PARTNERSHIP
NEIGHBORHOOD RENAISSANCE
Research | Design | Programming
wwwadoptafamilypbcorg
Adopt-A-Family is a 501c3 nonprofit charitable organization dedicated to strengthening families with children in their efforts to achieve stability and self-sufficiency by providing access to all-encompassing services
wwwneighborhoodrenaissanceorg
Neighborhood Renaissance Inc is a nonprofit community based organization dedicated to building and supporting strong economies and diverse communities in Palm Beach County They do so by creating workforce housing opportunities jobs and small business prospects for low and moderate income persons
9 CLT HOMEOWNERSHIP UNITS45 PERMANENTLY AFFORDABLE RENTAL UNITS
wwwcp-ctoorghousing-partnership
Housing Partnership Inc a member of Community Partners began in 1986 and has come to believe that finding impactful solutions to complex community issues requires an approach that is both holistic and focused In all that they do they strive to work with the person in the context of their family and with the family in the context of their community
1 CLT HOMEOWNERSHIP UNIT9 PERMANENTLY AFFORDABLE RENTAL UNITS
2110 Years of Community Land Trusts in South Florida April 2016
The South Florida Community Land Trust Network (SFCLTN) is a collaborative comprised of Community Land Trusts and key partner organizations operating in South Florida
SFCLTN LeadHousing Leadership Council of Palm Beach County | wwwhlcpbcorg
Community Land Trust MembersCommunity Land Trust of Palm Beach County |wwwcltofpbcorgDelray Beach Community Land Trust | wwwdelraylandtrustorgHeartfelt Florida Housing Community Land Trust | wwwheartfeltcltorgSouth Florida Community Land Trust | wwwsouthfloridacltorg
Partner OrganizationsAdopt-A-Family of the Palm Beaches | wwwadoptafamilypbcorgHousing Partnership | wwwcp-ctoorghousing-partnershipNeighborhood Renaissance | wwwneighborhoodrenaissanceorg
THE SOUTH FLORIDA COMMUNITY LAND TRUSTNETWORK
In most affordable homeownership programs public investments or subsidies are given in the form of down-payment assistance that is eventually forgiven or ldquorecapturedrdquo when the benefiting homeowner sells the home However in a housing market like South Floridarsquos where housing appreciates more quickly than incomes rise the amount of subsidy needed for subsequent homeowners will be greater than the amount recaptured Thus the value of recaptured subsidies diminishes over time fewer homeowners can be assisted and the affordability of homes is lost
CLTs on the other hand function to protect both affordability and public investments by recycling the subsidy from one buyer to the next generation after generation forever Particularly in a time when funding for housing is diminishing and demand is growing ensuring public investments have a sustained impact like this is critical
04 PRESERVING PUBLIC INVESTMENTS
$$$
TIME
COST OF MARKET RATE HOUSINGSubsidy retained with the
property COST OF CLT HOUSING
INCOME
CLTs function to protect both affordability amp public investments by recycling the subsidy from one buyer to the next generation after generation forever
10 SOUTH FLORIDA COMMUNITY LAND TRUST NETWORK
05 ADDING ECONOMIC VALUE
Developing affordable housing builds more than just homes ndash itrsquos a proven economic driver that increases spending and employment in the surrounding economy Moreover without an adequate supply of affordable housing employers ndash and entire regional job markets ndash are disadvantaged due to their inability to attract and retain workers Affordable housing also improves educational outcomes by allowing families access to high performing schools and reducing unwanted moves
Affordable housing not only builds the economy but is also a stabilizing force A national survey finds that CLT homeowners are eight times less likely to be in the process of foreclosure than owners of market-rate homes The lower incidence of foreclosure among CLT homes in turn represents significant direct and indirect cost savings for municipalities in avoiding potential foreclosures
Thaden Emily 2010 June 7 Outperforming the Market Making Sense of the Low Rates of Delinquencies and Foreclosures in Community Land Trusts Nashville TN Peabody College Vanderbilt University
ldquoThe fact that the land is not counted in the price of the home in and of itself immediately establishes CLT homes as attainable In addition the fact that CLTs continues to support homeowners after homes are purchased is to me one of the strongest yet least visible pillars of the modelrdquo
- Marcia Barry-Smith MBS Consulting Services amp H2H Founder
1110 Years of Community Land Trusts in South Florida April 2016
INCREASING THE PERMANENT SUPPLY OF AFFORDABLE HOUSING IN PALM BEACH COUNTY THROUGHbull Land acquisition housing development preservation
bull Create a permanent supply of both rental and homeownership opportunities
bull Develop the community land trust model as an effective tool in meeting the long term affordable housing needs of Palm Beach County residents
bull Create vibrant mixed-income communities
bull Undertake a client focused approach to community development
bull Create sustainable communities
bull Collaborate
CLT OF PALM BEACH COUNTY
12 SOUTH FLORIDA COMMUNITY LAND TRUST NETWORK
4938 Davis Road Lake Worth561-318-8442wwwcltofpbcorg
BOARD OF DIRECTORSHAZEL LUCAS ESQPRESIDENT
TIMOTHY WHEAT VICE PRESIDENT
ANDREW ZEEMANTREASURER
ANGELA USHERSECRETARY
DOROTHY ELLINGTON
TANGENICA HENRY
VICE MAYOR SCOTT MAXWELL
TAMMY MCDONALD ANDERSON
SEMENTHA SANTANGELO
MAYOR SHANIQUE SCOTT
SHEMERRIA BURGESS
RANDY WERTEPNY
STAFFCINDEE LACOURSE-BLUMEXECUTIVE DIRECTOR
TANYA WARD BENGAMINHOUSING MANAGER
One defining feature in the idea of community is that its members affect each otherrsquos quality of life Nowhere is this demonstrated better and in a more positive manner than by the Community Land Trust of Palm Beach County (CLT of PBC) This countywide nonprofit organizationrsquos aim is to provide permanently affordable housing opportunities for its residents
ldquoIn general the understanding that humans need homes to both survive and thrive motivates me to work in affordable housingrdquo Cindee LaCourse-Blum Executive Director explained Clearly there is a desperate need High housing costs and slow wage growth have made the area unaffordable for many
The CLT of PBC was initiated in 2006 by Palm Beach County but rapidly became a community project with a wide range of founding members including Gold Coast Builders Association Palm Beach County League of Cities Business Development Board Business Forum of Palm Beach County Florida Rural Legal Services Community Financing Consortium Adopt-A-Family of the Palm Beaches Inc South Florida LISC We Help Community Development Inc Fair Housing Center of the Greater Palm Beaches Urban League of Palm Beach County Housing Partnership North Palm Beach Chamber of Commerce and the School District of Palm Beach County
These groups pulled together with the goal of creating vibrant mixed-income sustainable communities with a permanent supply of both rental and homeownership opportunities
Now with 108 total units throughout central Palm Beach County the dream is coming to fruition Itrsquos easy to see that the CLT of PBC serves as a successful model for demonstrating the power of a community and its ability do great things
+3380 28Rental Units
CLT Owner Units
Units by 2017
1310 Years of Community Land Trusts in South Florida April 2016
Love what you do and you will never work a day in your life Itrsquos a common quote not often practiced by many However Evelyn Dobson Executive Director of Delray Beach Community Land Trust (DBCLT) and Gary Eliopoulos Chairman of the Board seem to live by this motto
ldquoI feel like I finally found my niche in what I do because I know what it feels like to dream of becoming a homeowner and at times feeling that it may never happenrdquo said Evelyn Dobson when describing her job ldquoTo see the smile on the homeowners face when they get the keys to their home is the most rewarding feelingrdquo
Gary shares the same sentiment describing that the DBCLT was the perfect fit for him Itrsquos a feeling that kept their door open despite difficult times
The organization was formed in 2006 During the Great Recession DBCLT operated with a limited staff worked tirelessly with lending institutes and refused to give up ldquoTo be able to say that we are still operating after the Great Recession is our organizations greatest accomplishmentrdquo said Gary Eliopoulos
ldquoWe sustained the housing program services provided by the organization and that is of most importancerdquo
Fast-forward ten years and the team has served more than 500 households and currently stewards and manages 107 units including single-family homes townhomes and rentals However Evelyn and Gary refuse to stop there
DELRAY BEACH CLT
FOSTERING HEALTHY COMMUNITIES THROUGH THE CREATION STABILIZATION AND PRESERVATION OF QUALITY LONG-TERM AFFORDABLE HOUSING
14 SOUTH FLORIDA COMMUNITY LAND TRUST NETWORK
145 SW 12th Avenue Delray Beach561-243-7500 wwwdelraylandtrustorg
BOARD OF DIRECTORSGARY P ELIOPOULOSPRESIDENT
KIMBERLY CAMEJOVICE PRESIDENT
DYSONYA MITCHELLTREASURER
MORRIE WEINMANSECRETARY
ARTHUR BROWN
POLK COTTON
CHERYL HAYWOOD
VICKI HILL
ANTHONY HOLLIDAY JR
ELTON MCGOWAN JR
KIMBERLY MORRIS
PATRICIA WRIGHT
STAFF
EVELYN DOBSONEXECUTIVE DIRECTOR
GERECIA JACKSON EDMONDHOUSING MANAGER
AHMED BURTONHOUSING COORDINATOR
+1243 64Rental Units
CLT Owner Units
Units by 2017
The DBCLT Atlantic Park Square Project along SW 14th Avenue will consist of 22 single family homes upon completion with three to four bedrooms rear-and-side loaded garages and large elevated porches Of the 22 planned 21 have been completed and sold with one lot remaining It is a true example of how the DBCLT City of Delray Beach and Delray Beach CRA can partner to create something spectacular
ldquoWe continue to work together The organization is accountable the dedication is there and we have made affordable housing a reality for very-low- to moderate-income householdsrdquo said Dobson As housing prices increase Evelyn and Gary look forward to a very bright future The CLT model is working thanks to the hard work and dedication of the team and partners
1510 Years of Community Land Trusts in South Florida April 2016
HEARTFELT FLORIDA HOUSING CLTDEVELOPING THRIVING STABLE COMMUNITIES THROUGH THE ACQUISITION OF LAND amp THE CREATION amp STEWARDSHIP OF PERMANENTLY AFFORDABLE HOUSING FOR LOW- TO MODERATE-INCOME INDIVIDUALS
Ocean Breeze West sounds like a tropical paradise and for the residents there it is The development is constructed on a 45 acre site which was destroyed by the hurricanes of 2004 and now has 21 new single-family homes located in the heart of Boynton It is the first Heartfelt Florida Housing Community Land Trust (HFHCLT) mixed-income development aimed at an innovative socially responsible and sustainable solutions to the lack of affordable housing opportunities in South Palm Beach
After 25 years of serving South Palm Beach the local affiliate of Habitat for Humanity decided to utilize the community land trust model and the nonprofit Heartfelt Florida Housing Community Land Trust (HFHCLT) was founded in 2010
Mike Williams Associate Executive Director at Habitat for Humanity of South Palm Beach County shared his vision when he stated ldquoThe impact of having a decent place to live especially for kids who do so much better
16 SOUTH FLORIDA COMMUNITY LAND TRUST NETWORK
181 SE 5th Avenue Delray Beach561-819-6070wwwheartfeltcltorg
BOARD OF DIRECTORS
JEREMY AHWEE PRESIDENT
MIKE CAMPBELLSECRETARY
PAMELA OWENS TREASURER
WANESTA BUSH MEMBER
DIANA HILLMAN MEMBER
ROJUANA MOSSMEMBER
MIKE OWEN MEMBER
STAFFDONNA WALDRONEXECUTIVE DIRECTOR
when they have a place to study and thrive and the parents themselves who donrsquot have to worry about a landlord or where they will live next month and being able to address that is the greatest motivationrdquo
The focus of the land trust is to make these homes permanently affordable The homeowners are granted a long-term ground lease with their home purchase and can stay there for its duration If they choose to sell a formula is used to allow a limited but fair return to the seller while keeping the structure affordable for the next buyer ensuring perpetual affordability
In addition to the goal of perpetual affordability Heartfelt works with its present and future residents to safeguard the homes and maintain the security of its occupants Ocean Breeze West brings new hope to the entire community It provides an opportunity for working families to return to a neighborhood that lost residents when the former buildings were rendered uninhabitable
Yet HFHCLT isnrsquot satisfied that enough has been done They are committed to the expansion of their acquisition and development program According to Mike HFHCLT is working with the City of Delray in looking at a couple of areas to do bigger developments
HFHCLT is paving the way to preserving the quality affordability and economic diversity of housing for residents of South Palm Beach County Florida
27CLT Owner Units
+18Units by 2017
1710 Years of Community Land Trusts in South Florida April 2016
SOUTH FLORIDA CLTPROVIDING AND PRESERVING QUALITY SUSTAINABLE AFFORDABLE HOUSING FOR UNDERSERVED POPULATIONS IN SOUTH FLORIDA When driving through the quiet neighborhoods of South Florida you notice houses transformed into homes with families making memories inside But what you donrsquot notice is the history as to how these families got there Behind that brick and concrete is something even stronger Perseverance
It is this adjective that weaves throughout the South Florida Community Land Trust (SFCLT) foundation SFCLT has assisted over 100 individuals to find a home But achieving this goal wasnrsquot always easy
ldquoOur first project was the most challengingrdquo said Mandy Bartle SFCLT Executive Director ldquoWe bought an apartment building in a nice wealthy community There was a lot of resistance from the neighbors and commissioners for developing affordable housing in the neighborhood After we
remodeled the apartments we them showed how beautiful it was and started getting calls from the community about moving in We were able to change perceptions about what affordable housing doesrdquo
Through hard work and perseverance Mandy and her team grew the South Florida Community Land Trust into what it is today
South Florida Community Land Trust is a nonprofit corporation that develops and preserves affordable housing in South Florida It is one of the few organizations in South Florida that is focused on creating a permanent source of affordable housing to help both current and future homeowners They work to help South Florida residents afford a home without compromising on safety or quality
1007 N Federal HWY 2999547691731wwwsouthfloridacltorg
BOARD OF DIRECTORS
GIOVANNI MOSSPRESIDENT
MARCIE OPPENHEIMER NOLANVICE PRESIDENT
JERRY HENISERTREASURER
SANDRA EINHORNSECRETARY
MARCIA BARRY-SMITH
MONICA NAVARRO
STEVE WERTHMAN
STAFFMANDY SPANGLER BARTLEEXECUTIVE DIRECTOR
MATT WEISSPROPERTY MANAGER
ANNA MCMASTERPROGRAM MANAGER
+15
SFCLT was formed in 2006 a time plagued with high unemployment rates and banks hesitant to loan Yet the team persevered They were able to advocate to the banks to offer loans to their homeowners
The future is very bright for SFCLT They have plans to expand to Miami Florida within two years Despite the various challenges SFCLT knows they need to be there
ldquoNumerous reports have cited the need as it is one of few major metropolitan areas in the country without a CLT We are one of a number of groups trying to change thatrdquo said Bartle ldquoThere are CLTrsquos in Monroe Palm Beach and Broward Counties and Miami is one of the most expensive markets- thatrsquos why the need is so greatrdquo
South Florida Community Land Trust will continue to make a difference in the lives of South Florida residents and hopefully one day the residents of Miami-Dade County
46 8Rental Units
CLT Owner Units
Units by 2017
1910 Years of Community Land Trusts in South Florida April 2016
HOUSING LEADERSHIP COUNCIL OF PALM BEACH COUNTY
SFCLTN PARTNER ORGANIZATIONS
It can be easy to take advantage of a warm bed shelter during a storm a place to call home These are things we have been given since we could remember However it is the team at the Housing Leadership Council of Palm Beach County (HLCPBC) that remind us that lifersquos ldquosimplicitiesrdquo are actually quite difficult to obtain
In July 2006 the Workforce Housing Needs Assessment released a shocking report on the depth and severity of the housing market in Palm Beach County They found approximately 60 percent of Palm Beach County residents earn less than 50 percent of the area median income With such high numbers many low to mid-size earners were struggling financially to obtain or keep their homes
The report called for each county and municipality to develop a comprehensive housing policy that addresses the urgent need of expanding and preserving the inventory of affordable housing Immediately the Housing Leadership of Palm Beach County was born with a mission that housing is attainable for the workforce at all income levels through education advocacy and facilitating collaboration
Ten years later the organization continues thrive off that mission Since 2007 the Housing Leadership Council has been working on important collaborative efforts that ensure we address the current issues of stabilizing neighborhoods and making sure we have an adequate supply of workforce housing in our community
They remind us each day that we all need a place to call home
wwwhlcpbcorg
20 SOUTH FLORIDA COMMUNITY LAND TRUST NETWORK
ADOPT-A-FAMILY OF THE PALM BEACHES
HOUSING PARTNERSHIP
NEIGHBORHOOD RENAISSANCE
Research | Design | Programming
wwwadoptafamilypbcorg
Adopt-A-Family is a 501c3 nonprofit charitable organization dedicated to strengthening families with children in their efforts to achieve stability and self-sufficiency by providing access to all-encompassing services
wwwneighborhoodrenaissanceorg
Neighborhood Renaissance Inc is a nonprofit community based organization dedicated to building and supporting strong economies and diverse communities in Palm Beach County They do so by creating workforce housing opportunities jobs and small business prospects for low and moderate income persons
9 CLT HOMEOWNERSHIP UNITS45 PERMANENTLY AFFORDABLE RENTAL UNITS
wwwcp-ctoorghousing-partnership
Housing Partnership Inc a member of Community Partners began in 1986 and has come to believe that finding impactful solutions to complex community issues requires an approach that is both holistic and focused In all that they do they strive to work with the person in the context of their family and with the family in the context of their community
1 CLT HOMEOWNERSHIP UNIT9 PERMANENTLY AFFORDABLE RENTAL UNITS
2110 Years of Community Land Trusts in South Florida April 2016
The South Florida Community Land Trust Network (SFCLTN) is a collaborative comprised of Community Land Trusts and key partner organizations operating in South Florida
SFCLTN LeadHousing Leadership Council of Palm Beach County | wwwhlcpbcorg
Community Land Trust MembersCommunity Land Trust of Palm Beach County |wwwcltofpbcorgDelray Beach Community Land Trust | wwwdelraylandtrustorgHeartfelt Florida Housing Community Land Trust | wwwheartfeltcltorgSouth Florida Community Land Trust | wwwsouthfloridacltorg
Partner OrganizationsAdopt-A-Family of the Palm Beaches | wwwadoptafamilypbcorgHousing Partnership | wwwcp-ctoorghousing-partnershipNeighborhood Renaissance | wwwneighborhoodrenaissanceorg
THE SOUTH FLORIDA COMMUNITY LAND TRUSTNETWORK
05 ADDING ECONOMIC VALUE
Developing affordable housing builds more than just homes ndash itrsquos a proven economic driver that increases spending and employment in the surrounding economy Moreover without an adequate supply of affordable housing employers ndash and entire regional job markets ndash are disadvantaged due to their inability to attract and retain workers Affordable housing also improves educational outcomes by allowing families access to high performing schools and reducing unwanted moves
Affordable housing not only builds the economy but is also a stabilizing force A national survey finds that CLT homeowners are eight times less likely to be in the process of foreclosure than owners of market-rate homes The lower incidence of foreclosure among CLT homes in turn represents significant direct and indirect cost savings for municipalities in avoiding potential foreclosures
Thaden Emily 2010 June 7 Outperforming the Market Making Sense of the Low Rates of Delinquencies and Foreclosures in Community Land Trusts Nashville TN Peabody College Vanderbilt University
ldquoThe fact that the land is not counted in the price of the home in and of itself immediately establishes CLT homes as attainable In addition the fact that CLTs continues to support homeowners after homes are purchased is to me one of the strongest yet least visible pillars of the modelrdquo
- Marcia Barry-Smith MBS Consulting Services amp H2H Founder
1110 Years of Community Land Trusts in South Florida April 2016
INCREASING THE PERMANENT SUPPLY OF AFFORDABLE HOUSING IN PALM BEACH COUNTY THROUGHbull Land acquisition housing development preservation
bull Create a permanent supply of both rental and homeownership opportunities
bull Develop the community land trust model as an effective tool in meeting the long term affordable housing needs of Palm Beach County residents
bull Create vibrant mixed-income communities
bull Undertake a client focused approach to community development
bull Create sustainable communities
bull Collaborate
CLT OF PALM BEACH COUNTY
12 SOUTH FLORIDA COMMUNITY LAND TRUST NETWORK
4938 Davis Road Lake Worth561-318-8442wwwcltofpbcorg
BOARD OF DIRECTORSHAZEL LUCAS ESQPRESIDENT
TIMOTHY WHEAT VICE PRESIDENT
ANDREW ZEEMANTREASURER
ANGELA USHERSECRETARY
DOROTHY ELLINGTON
TANGENICA HENRY
VICE MAYOR SCOTT MAXWELL
TAMMY MCDONALD ANDERSON
SEMENTHA SANTANGELO
MAYOR SHANIQUE SCOTT
SHEMERRIA BURGESS
RANDY WERTEPNY
STAFFCINDEE LACOURSE-BLUMEXECUTIVE DIRECTOR
TANYA WARD BENGAMINHOUSING MANAGER
One defining feature in the idea of community is that its members affect each otherrsquos quality of life Nowhere is this demonstrated better and in a more positive manner than by the Community Land Trust of Palm Beach County (CLT of PBC) This countywide nonprofit organizationrsquos aim is to provide permanently affordable housing opportunities for its residents
ldquoIn general the understanding that humans need homes to both survive and thrive motivates me to work in affordable housingrdquo Cindee LaCourse-Blum Executive Director explained Clearly there is a desperate need High housing costs and slow wage growth have made the area unaffordable for many
The CLT of PBC was initiated in 2006 by Palm Beach County but rapidly became a community project with a wide range of founding members including Gold Coast Builders Association Palm Beach County League of Cities Business Development Board Business Forum of Palm Beach County Florida Rural Legal Services Community Financing Consortium Adopt-A-Family of the Palm Beaches Inc South Florida LISC We Help Community Development Inc Fair Housing Center of the Greater Palm Beaches Urban League of Palm Beach County Housing Partnership North Palm Beach Chamber of Commerce and the School District of Palm Beach County
These groups pulled together with the goal of creating vibrant mixed-income sustainable communities with a permanent supply of both rental and homeownership opportunities
Now with 108 total units throughout central Palm Beach County the dream is coming to fruition Itrsquos easy to see that the CLT of PBC serves as a successful model for demonstrating the power of a community and its ability do great things
+3380 28Rental Units
CLT Owner Units
Units by 2017
1310 Years of Community Land Trusts in South Florida April 2016
Love what you do and you will never work a day in your life Itrsquos a common quote not often practiced by many However Evelyn Dobson Executive Director of Delray Beach Community Land Trust (DBCLT) and Gary Eliopoulos Chairman of the Board seem to live by this motto
ldquoI feel like I finally found my niche in what I do because I know what it feels like to dream of becoming a homeowner and at times feeling that it may never happenrdquo said Evelyn Dobson when describing her job ldquoTo see the smile on the homeowners face when they get the keys to their home is the most rewarding feelingrdquo
Gary shares the same sentiment describing that the DBCLT was the perfect fit for him Itrsquos a feeling that kept their door open despite difficult times
The organization was formed in 2006 During the Great Recession DBCLT operated with a limited staff worked tirelessly with lending institutes and refused to give up ldquoTo be able to say that we are still operating after the Great Recession is our organizations greatest accomplishmentrdquo said Gary Eliopoulos
ldquoWe sustained the housing program services provided by the organization and that is of most importancerdquo
Fast-forward ten years and the team has served more than 500 households and currently stewards and manages 107 units including single-family homes townhomes and rentals However Evelyn and Gary refuse to stop there
DELRAY BEACH CLT
FOSTERING HEALTHY COMMUNITIES THROUGH THE CREATION STABILIZATION AND PRESERVATION OF QUALITY LONG-TERM AFFORDABLE HOUSING
14 SOUTH FLORIDA COMMUNITY LAND TRUST NETWORK
145 SW 12th Avenue Delray Beach561-243-7500 wwwdelraylandtrustorg
BOARD OF DIRECTORSGARY P ELIOPOULOSPRESIDENT
KIMBERLY CAMEJOVICE PRESIDENT
DYSONYA MITCHELLTREASURER
MORRIE WEINMANSECRETARY
ARTHUR BROWN
POLK COTTON
CHERYL HAYWOOD
VICKI HILL
ANTHONY HOLLIDAY JR
ELTON MCGOWAN JR
KIMBERLY MORRIS
PATRICIA WRIGHT
STAFF
EVELYN DOBSONEXECUTIVE DIRECTOR
GERECIA JACKSON EDMONDHOUSING MANAGER
AHMED BURTONHOUSING COORDINATOR
+1243 64Rental Units
CLT Owner Units
Units by 2017
The DBCLT Atlantic Park Square Project along SW 14th Avenue will consist of 22 single family homes upon completion with three to four bedrooms rear-and-side loaded garages and large elevated porches Of the 22 planned 21 have been completed and sold with one lot remaining It is a true example of how the DBCLT City of Delray Beach and Delray Beach CRA can partner to create something spectacular
ldquoWe continue to work together The organization is accountable the dedication is there and we have made affordable housing a reality for very-low- to moderate-income householdsrdquo said Dobson As housing prices increase Evelyn and Gary look forward to a very bright future The CLT model is working thanks to the hard work and dedication of the team and partners
1510 Years of Community Land Trusts in South Florida April 2016
HEARTFELT FLORIDA HOUSING CLTDEVELOPING THRIVING STABLE COMMUNITIES THROUGH THE ACQUISITION OF LAND amp THE CREATION amp STEWARDSHIP OF PERMANENTLY AFFORDABLE HOUSING FOR LOW- TO MODERATE-INCOME INDIVIDUALS
Ocean Breeze West sounds like a tropical paradise and for the residents there it is The development is constructed on a 45 acre site which was destroyed by the hurricanes of 2004 and now has 21 new single-family homes located in the heart of Boynton It is the first Heartfelt Florida Housing Community Land Trust (HFHCLT) mixed-income development aimed at an innovative socially responsible and sustainable solutions to the lack of affordable housing opportunities in South Palm Beach
After 25 years of serving South Palm Beach the local affiliate of Habitat for Humanity decided to utilize the community land trust model and the nonprofit Heartfelt Florida Housing Community Land Trust (HFHCLT) was founded in 2010
Mike Williams Associate Executive Director at Habitat for Humanity of South Palm Beach County shared his vision when he stated ldquoThe impact of having a decent place to live especially for kids who do so much better
16 SOUTH FLORIDA COMMUNITY LAND TRUST NETWORK
181 SE 5th Avenue Delray Beach561-819-6070wwwheartfeltcltorg
BOARD OF DIRECTORS
JEREMY AHWEE PRESIDENT
MIKE CAMPBELLSECRETARY
PAMELA OWENS TREASURER
WANESTA BUSH MEMBER
DIANA HILLMAN MEMBER
ROJUANA MOSSMEMBER
MIKE OWEN MEMBER
STAFFDONNA WALDRONEXECUTIVE DIRECTOR
when they have a place to study and thrive and the parents themselves who donrsquot have to worry about a landlord or where they will live next month and being able to address that is the greatest motivationrdquo
The focus of the land trust is to make these homes permanently affordable The homeowners are granted a long-term ground lease with their home purchase and can stay there for its duration If they choose to sell a formula is used to allow a limited but fair return to the seller while keeping the structure affordable for the next buyer ensuring perpetual affordability
In addition to the goal of perpetual affordability Heartfelt works with its present and future residents to safeguard the homes and maintain the security of its occupants Ocean Breeze West brings new hope to the entire community It provides an opportunity for working families to return to a neighborhood that lost residents when the former buildings were rendered uninhabitable
Yet HFHCLT isnrsquot satisfied that enough has been done They are committed to the expansion of their acquisition and development program According to Mike HFHCLT is working with the City of Delray in looking at a couple of areas to do bigger developments
HFHCLT is paving the way to preserving the quality affordability and economic diversity of housing for residents of South Palm Beach County Florida
27CLT Owner Units
+18Units by 2017
1710 Years of Community Land Trusts in South Florida April 2016
SOUTH FLORIDA CLTPROVIDING AND PRESERVING QUALITY SUSTAINABLE AFFORDABLE HOUSING FOR UNDERSERVED POPULATIONS IN SOUTH FLORIDA When driving through the quiet neighborhoods of South Florida you notice houses transformed into homes with families making memories inside But what you donrsquot notice is the history as to how these families got there Behind that brick and concrete is something even stronger Perseverance
It is this adjective that weaves throughout the South Florida Community Land Trust (SFCLT) foundation SFCLT has assisted over 100 individuals to find a home But achieving this goal wasnrsquot always easy
ldquoOur first project was the most challengingrdquo said Mandy Bartle SFCLT Executive Director ldquoWe bought an apartment building in a nice wealthy community There was a lot of resistance from the neighbors and commissioners for developing affordable housing in the neighborhood After we
remodeled the apartments we them showed how beautiful it was and started getting calls from the community about moving in We were able to change perceptions about what affordable housing doesrdquo
Through hard work and perseverance Mandy and her team grew the South Florida Community Land Trust into what it is today
South Florida Community Land Trust is a nonprofit corporation that develops and preserves affordable housing in South Florida It is one of the few organizations in South Florida that is focused on creating a permanent source of affordable housing to help both current and future homeowners They work to help South Florida residents afford a home without compromising on safety or quality
1007 N Federal HWY 2999547691731wwwsouthfloridacltorg
BOARD OF DIRECTORS
GIOVANNI MOSSPRESIDENT
MARCIE OPPENHEIMER NOLANVICE PRESIDENT
JERRY HENISERTREASURER
SANDRA EINHORNSECRETARY
MARCIA BARRY-SMITH
MONICA NAVARRO
STEVE WERTHMAN
STAFFMANDY SPANGLER BARTLEEXECUTIVE DIRECTOR
MATT WEISSPROPERTY MANAGER
ANNA MCMASTERPROGRAM MANAGER
+15
SFCLT was formed in 2006 a time plagued with high unemployment rates and banks hesitant to loan Yet the team persevered They were able to advocate to the banks to offer loans to their homeowners
The future is very bright for SFCLT They have plans to expand to Miami Florida within two years Despite the various challenges SFCLT knows they need to be there
ldquoNumerous reports have cited the need as it is one of few major metropolitan areas in the country without a CLT We are one of a number of groups trying to change thatrdquo said Bartle ldquoThere are CLTrsquos in Monroe Palm Beach and Broward Counties and Miami is one of the most expensive markets- thatrsquos why the need is so greatrdquo
South Florida Community Land Trust will continue to make a difference in the lives of South Florida residents and hopefully one day the residents of Miami-Dade County
46 8Rental Units
CLT Owner Units
Units by 2017
1910 Years of Community Land Trusts in South Florida April 2016
HOUSING LEADERSHIP COUNCIL OF PALM BEACH COUNTY
SFCLTN PARTNER ORGANIZATIONS
It can be easy to take advantage of a warm bed shelter during a storm a place to call home These are things we have been given since we could remember However it is the team at the Housing Leadership Council of Palm Beach County (HLCPBC) that remind us that lifersquos ldquosimplicitiesrdquo are actually quite difficult to obtain
In July 2006 the Workforce Housing Needs Assessment released a shocking report on the depth and severity of the housing market in Palm Beach County They found approximately 60 percent of Palm Beach County residents earn less than 50 percent of the area median income With such high numbers many low to mid-size earners were struggling financially to obtain or keep their homes
The report called for each county and municipality to develop a comprehensive housing policy that addresses the urgent need of expanding and preserving the inventory of affordable housing Immediately the Housing Leadership of Palm Beach County was born with a mission that housing is attainable for the workforce at all income levels through education advocacy and facilitating collaboration
Ten years later the organization continues thrive off that mission Since 2007 the Housing Leadership Council has been working on important collaborative efforts that ensure we address the current issues of stabilizing neighborhoods and making sure we have an adequate supply of workforce housing in our community
They remind us each day that we all need a place to call home
wwwhlcpbcorg
20 SOUTH FLORIDA COMMUNITY LAND TRUST NETWORK
ADOPT-A-FAMILY OF THE PALM BEACHES
HOUSING PARTNERSHIP
NEIGHBORHOOD RENAISSANCE
Research | Design | Programming
wwwadoptafamilypbcorg
Adopt-A-Family is a 501c3 nonprofit charitable organization dedicated to strengthening families with children in their efforts to achieve stability and self-sufficiency by providing access to all-encompassing services
wwwneighborhoodrenaissanceorg
Neighborhood Renaissance Inc is a nonprofit community based organization dedicated to building and supporting strong economies and diverse communities in Palm Beach County They do so by creating workforce housing opportunities jobs and small business prospects for low and moderate income persons
9 CLT HOMEOWNERSHIP UNITS45 PERMANENTLY AFFORDABLE RENTAL UNITS
wwwcp-ctoorghousing-partnership
Housing Partnership Inc a member of Community Partners began in 1986 and has come to believe that finding impactful solutions to complex community issues requires an approach that is both holistic and focused In all that they do they strive to work with the person in the context of their family and with the family in the context of their community
1 CLT HOMEOWNERSHIP UNIT9 PERMANENTLY AFFORDABLE RENTAL UNITS
2110 Years of Community Land Trusts in South Florida April 2016
The South Florida Community Land Trust Network (SFCLTN) is a collaborative comprised of Community Land Trusts and key partner organizations operating in South Florida
SFCLTN LeadHousing Leadership Council of Palm Beach County | wwwhlcpbcorg
Community Land Trust MembersCommunity Land Trust of Palm Beach County |wwwcltofpbcorgDelray Beach Community Land Trust | wwwdelraylandtrustorgHeartfelt Florida Housing Community Land Trust | wwwheartfeltcltorgSouth Florida Community Land Trust | wwwsouthfloridacltorg
Partner OrganizationsAdopt-A-Family of the Palm Beaches | wwwadoptafamilypbcorgHousing Partnership | wwwcp-ctoorghousing-partnershipNeighborhood Renaissance | wwwneighborhoodrenaissanceorg
THE SOUTH FLORIDA COMMUNITY LAND TRUSTNETWORK
INCREASING THE PERMANENT SUPPLY OF AFFORDABLE HOUSING IN PALM BEACH COUNTY THROUGHbull Land acquisition housing development preservation
bull Create a permanent supply of both rental and homeownership opportunities
bull Develop the community land trust model as an effective tool in meeting the long term affordable housing needs of Palm Beach County residents
bull Create vibrant mixed-income communities
bull Undertake a client focused approach to community development
bull Create sustainable communities
bull Collaborate
CLT OF PALM BEACH COUNTY
12 SOUTH FLORIDA COMMUNITY LAND TRUST NETWORK
4938 Davis Road Lake Worth561-318-8442wwwcltofpbcorg
BOARD OF DIRECTORSHAZEL LUCAS ESQPRESIDENT
TIMOTHY WHEAT VICE PRESIDENT
ANDREW ZEEMANTREASURER
ANGELA USHERSECRETARY
DOROTHY ELLINGTON
TANGENICA HENRY
VICE MAYOR SCOTT MAXWELL
TAMMY MCDONALD ANDERSON
SEMENTHA SANTANGELO
MAYOR SHANIQUE SCOTT
SHEMERRIA BURGESS
RANDY WERTEPNY
STAFFCINDEE LACOURSE-BLUMEXECUTIVE DIRECTOR
TANYA WARD BENGAMINHOUSING MANAGER
One defining feature in the idea of community is that its members affect each otherrsquos quality of life Nowhere is this demonstrated better and in a more positive manner than by the Community Land Trust of Palm Beach County (CLT of PBC) This countywide nonprofit organizationrsquos aim is to provide permanently affordable housing opportunities for its residents
ldquoIn general the understanding that humans need homes to both survive and thrive motivates me to work in affordable housingrdquo Cindee LaCourse-Blum Executive Director explained Clearly there is a desperate need High housing costs and slow wage growth have made the area unaffordable for many
The CLT of PBC was initiated in 2006 by Palm Beach County but rapidly became a community project with a wide range of founding members including Gold Coast Builders Association Palm Beach County League of Cities Business Development Board Business Forum of Palm Beach County Florida Rural Legal Services Community Financing Consortium Adopt-A-Family of the Palm Beaches Inc South Florida LISC We Help Community Development Inc Fair Housing Center of the Greater Palm Beaches Urban League of Palm Beach County Housing Partnership North Palm Beach Chamber of Commerce and the School District of Palm Beach County
These groups pulled together with the goal of creating vibrant mixed-income sustainable communities with a permanent supply of both rental and homeownership opportunities
Now with 108 total units throughout central Palm Beach County the dream is coming to fruition Itrsquos easy to see that the CLT of PBC serves as a successful model for demonstrating the power of a community and its ability do great things
+3380 28Rental Units
CLT Owner Units
Units by 2017
1310 Years of Community Land Trusts in South Florida April 2016
Love what you do and you will never work a day in your life Itrsquos a common quote not often practiced by many However Evelyn Dobson Executive Director of Delray Beach Community Land Trust (DBCLT) and Gary Eliopoulos Chairman of the Board seem to live by this motto
ldquoI feel like I finally found my niche in what I do because I know what it feels like to dream of becoming a homeowner and at times feeling that it may never happenrdquo said Evelyn Dobson when describing her job ldquoTo see the smile on the homeowners face when they get the keys to their home is the most rewarding feelingrdquo
Gary shares the same sentiment describing that the DBCLT was the perfect fit for him Itrsquos a feeling that kept their door open despite difficult times
The organization was formed in 2006 During the Great Recession DBCLT operated with a limited staff worked tirelessly with lending institutes and refused to give up ldquoTo be able to say that we are still operating after the Great Recession is our organizations greatest accomplishmentrdquo said Gary Eliopoulos
ldquoWe sustained the housing program services provided by the organization and that is of most importancerdquo
Fast-forward ten years and the team has served more than 500 households and currently stewards and manages 107 units including single-family homes townhomes and rentals However Evelyn and Gary refuse to stop there
DELRAY BEACH CLT
FOSTERING HEALTHY COMMUNITIES THROUGH THE CREATION STABILIZATION AND PRESERVATION OF QUALITY LONG-TERM AFFORDABLE HOUSING
14 SOUTH FLORIDA COMMUNITY LAND TRUST NETWORK
145 SW 12th Avenue Delray Beach561-243-7500 wwwdelraylandtrustorg
BOARD OF DIRECTORSGARY P ELIOPOULOSPRESIDENT
KIMBERLY CAMEJOVICE PRESIDENT
DYSONYA MITCHELLTREASURER
MORRIE WEINMANSECRETARY
ARTHUR BROWN
POLK COTTON
CHERYL HAYWOOD
VICKI HILL
ANTHONY HOLLIDAY JR
ELTON MCGOWAN JR
KIMBERLY MORRIS
PATRICIA WRIGHT
STAFF
EVELYN DOBSONEXECUTIVE DIRECTOR
GERECIA JACKSON EDMONDHOUSING MANAGER
AHMED BURTONHOUSING COORDINATOR
+1243 64Rental Units
CLT Owner Units
Units by 2017
The DBCLT Atlantic Park Square Project along SW 14th Avenue will consist of 22 single family homes upon completion with three to four bedrooms rear-and-side loaded garages and large elevated porches Of the 22 planned 21 have been completed and sold with one lot remaining It is a true example of how the DBCLT City of Delray Beach and Delray Beach CRA can partner to create something spectacular
ldquoWe continue to work together The organization is accountable the dedication is there and we have made affordable housing a reality for very-low- to moderate-income householdsrdquo said Dobson As housing prices increase Evelyn and Gary look forward to a very bright future The CLT model is working thanks to the hard work and dedication of the team and partners
1510 Years of Community Land Trusts in South Florida April 2016
HEARTFELT FLORIDA HOUSING CLTDEVELOPING THRIVING STABLE COMMUNITIES THROUGH THE ACQUISITION OF LAND amp THE CREATION amp STEWARDSHIP OF PERMANENTLY AFFORDABLE HOUSING FOR LOW- TO MODERATE-INCOME INDIVIDUALS
Ocean Breeze West sounds like a tropical paradise and for the residents there it is The development is constructed on a 45 acre site which was destroyed by the hurricanes of 2004 and now has 21 new single-family homes located in the heart of Boynton It is the first Heartfelt Florida Housing Community Land Trust (HFHCLT) mixed-income development aimed at an innovative socially responsible and sustainable solutions to the lack of affordable housing opportunities in South Palm Beach
After 25 years of serving South Palm Beach the local affiliate of Habitat for Humanity decided to utilize the community land trust model and the nonprofit Heartfelt Florida Housing Community Land Trust (HFHCLT) was founded in 2010
Mike Williams Associate Executive Director at Habitat for Humanity of South Palm Beach County shared his vision when he stated ldquoThe impact of having a decent place to live especially for kids who do so much better
16 SOUTH FLORIDA COMMUNITY LAND TRUST NETWORK
181 SE 5th Avenue Delray Beach561-819-6070wwwheartfeltcltorg
BOARD OF DIRECTORS
JEREMY AHWEE PRESIDENT
MIKE CAMPBELLSECRETARY
PAMELA OWENS TREASURER
WANESTA BUSH MEMBER
DIANA HILLMAN MEMBER
ROJUANA MOSSMEMBER
MIKE OWEN MEMBER
STAFFDONNA WALDRONEXECUTIVE DIRECTOR
when they have a place to study and thrive and the parents themselves who donrsquot have to worry about a landlord or where they will live next month and being able to address that is the greatest motivationrdquo
The focus of the land trust is to make these homes permanently affordable The homeowners are granted a long-term ground lease with their home purchase and can stay there for its duration If they choose to sell a formula is used to allow a limited but fair return to the seller while keeping the structure affordable for the next buyer ensuring perpetual affordability
In addition to the goal of perpetual affordability Heartfelt works with its present and future residents to safeguard the homes and maintain the security of its occupants Ocean Breeze West brings new hope to the entire community It provides an opportunity for working families to return to a neighborhood that lost residents when the former buildings were rendered uninhabitable
Yet HFHCLT isnrsquot satisfied that enough has been done They are committed to the expansion of their acquisition and development program According to Mike HFHCLT is working with the City of Delray in looking at a couple of areas to do bigger developments
HFHCLT is paving the way to preserving the quality affordability and economic diversity of housing for residents of South Palm Beach County Florida
27CLT Owner Units
+18Units by 2017
1710 Years of Community Land Trusts in South Florida April 2016
SOUTH FLORIDA CLTPROVIDING AND PRESERVING QUALITY SUSTAINABLE AFFORDABLE HOUSING FOR UNDERSERVED POPULATIONS IN SOUTH FLORIDA When driving through the quiet neighborhoods of South Florida you notice houses transformed into homes with families making memories inside But what you donrsquot notice is the history as to how these families got there Behind that brick and concrete is something even stronger Perseverance
It is this adjective that weaves throughout the South Florida Community Land Trust (SFCLT) foundation SFCLT has assisted over 100 individuals to find a home But achieving this goal wasnrsquot always easy
ldquoOur first project was the most challengingrdquo said Mandy Bartle SFCLT Executive Director ldquoWe bought an apartment building in a nice wealthy community There was a lot of resistance from the neighbors and commissioners for developing affordable housing in the neighborhood After we
remodeled the apartments we them showed how beautiful it was and started getting calls from the community about moving in We were able to change perceptions about what affordable housing doesrdquo
Through hard work and perseverance Mandy and her team grew the South Florida Community Land Trust into what it is today
South Florida Community Land Trust is a nonprofit corporation that develops and preserves affordable housing in South Florida It is one of the few organizations in South Florida that is focused on creating a permanent source of affordable housing to help both current and future homeowners They work to help South Florida residents afford a home without compromising on safety or quality
1007 N Federal HWY 2999547691731wwwsouthfloridacltorg
BOARD OF DIRECTORS
GIOVANNI MOSSPRESIDENT
MARCIE OPPENHEIMER NOLANVICE PRESIDENT
JERRY HENISERTREASURER
SANDRA EINHORNSECRETARY
MARCIA BARRY-SMITH
MONICA NAVARRO
STEVE WERTHMAN
STAFFMANDY SPANGLER BARTLEEXECUTIVE DIRECTOR
MATT WEISSPROPERTY MANAGER
ANNA MCMASTERPROGRAM MANAGER
+15
SFCLT was formed in 2006 a time plagued with high unemployment rates and banks hesitant to loan Yet the team persevered They were able to advocate to the banks to offer loans to their homeowners
The future is very bright for SFCLT They have plans to expand to Miami Florida within two years Despite the various challenges SFCLT knows they need to be there
ldquoNumerous reports have cited the need as it is one of few major metropolitan areas in the country without a CLT We are one of a number of groups trying to change thatrdquo said Bartle ldquoThere are CLTrsquos in Monroe Palm Beach and Broward Counties and Miami is one of the most expensive markets- thatrsquos why the need is so greatrdquo
South Florida Community Land Trust will continue to make a difference in the lives of South Florida residents and hopefully one day the residents of Miami-Dade County
46 8Rental Units
CLT Owner Units
Units by 2017
1910 Years of Community Land Trusts in South Florida April 2016
HOUSING LEADERSHIP COUNCIL OF PALM BEACH COUNTY
SFCLTN PARTNER ORGANIZATIONS
It can be easy to take advantage of a warm bed shelter during a storm a place to call home These are things we have been given since we could remember However it is the team at the Housing Leadership Council of Palm Beach County (HLCPBC) that remind us that lifersquos ldquosimplicitiesrdquo are actually quite difficult to obtain
In July 2006 the Workforce Housing Needs Assessment released a shocking report on the depth and severity of the housing market in Palm Beach County They found approximately 60 percent of Palm Beach County residents earn less than 50 percent of the area median income With such high numbers many low to mid-size earners were struggling financially to obtain or keep their homes
The report called for each county and municipality to develop a comprehensive housing policy that addresses the urgent need of expanding and preserving the inventory of affordable housing Immediately the Housing Leadership of Palm Beach County was born with a mission that housing is attainable for the workforce at all income levels through education advocacy and facilitating collaboration
Ten years later the organization continues thrive off that mission Since 2007 the Housing Leadership Council has been working on important collaborative efforts that ensure we address the current issues of stabilizing neighborhoods and making sure we have an adequate supply of workforce housing in our community
They remind us each day that we all need a place to call home
wwwhlcpbcorg
20 SOUTH FLORIDA COMMUNITY LAND TRUST NETWORK
ADOPT-A-FAMILY OF THE PALM BEACHES
HOUSING PARTNERSHIP
NEIGHBORHOOD RENAISSANCE
Research | Design | Programming
wwwadoptafamilypbcorg
Adopt-A-Family is a 501c3 nonprofit charitable organization dedicated to strengthening families with children in their efforts to achieve stability and self-sufficiency by providing access to all-encompassing services
wwwneighborhoodrenaissanceorg
Neighborhood Renaissance Inc is a nonprofit community based organization dedicated to building and supporting strong economies and diverse communities in Palm Beach County They do so by creating workforce housing opportunities jobs and small business prospects for low and moderate income persons
9 CLT HOMEOWNERSHIP UNITS45 PERMANENTLY AFFORDABLE RENTAL UNITS
wwwcp-ctoorghousing-partnership
Housing Partnership Inc a member of Community Partners began in 1986 and has come to believe that finding impactful solutions to complex community issues requires an approach that is both holistic and focused In all that they do they strive to work with the person in the context of their family and with the family in the context of their community
1 CLT HOMEOWNERSHIP UNIT9 PERMANENTLY AFFORDABLE RENTAL UNITS
2110 Years of Community Land Trusts in South Florida April 2016
The South Florida Community Land Trust Network (SFCLTN) is a collaborative comprised of Community Land Trusts and key partner organizations operating in South Florida
SFCLTN LeadHousing Leadership Council of Palm Beach County | wwwhlcpbcorg
Community Land Trust MembersCommunity Land Trust of Palm Beach County |wwwcltofpbcorgDelray Beach Community Land Trust | wwwdelraylandtrustorgHeartfelt Florida Housing Community Land Trust | wwwheartfeltcltorgSouth Florida Community Land Trust | wwwsouthfloridacltorg
Partner OrganizationsAdopt-A-Family of the Palm Beaches | wwwadoptafamilypbcorgHousing Partnership | wwwcp-ctoorghousing-partnershipNeighborhood Renaissance | wwwneighborhoodrenaissanceorg
THE SOUTH FLORIDA COMMUNITY LAND TRUSTNETWORK
4938 Davis Road Lake Worth561-318-8442wwwcltofpbcorg
BOARD OF DIRECTORSHAZEL LUCAS ESQPRESIDENT
TIMOTHY WHEAT VICE PRESIDENT
ANDREW ZEEMANTREASURER
ANGELA USHERSECRETARY
DOROTHY ELLINGTON
TANGENICA HENRY
VICE MAYOR SCOTT MAXWELL
TAMMY MCDONALD ANDERSON
SEMENTHA SANTANGELO
MAYOR SHANIQUE SCOTT
SHEMERRIA BURGESS
RANDY WERTEPNY
STAFFCINDEE LACOURSE-BLUMEXECUTIVE DIRECTOR
TANYA WARD BENGAMINHOUSING MANAGER
One defining feature in the idea of community is that its members affect each otherrsquos quality of life Nowhere is this demonstrated better and in a more positive manner than by the Community Land Trust of Palm Beach County (CLT of PBC) This countywide nonprofit organizationrsquos aim is to provide permanently affordable housing opportunities for its residents
ldquoIn general the understanding that humans need homes to both survive and thrive motivates me to work in affordable housingrdquo Cindee LaCourse-Blum Executive Director explained Clearly there is a desperate need High housing costs and slow wage growth have made the area unaffordable for many
The CLT of PBC was initiated in 2006 by Palm Beach County but rapidly became a community project with a wide range of founding members including Gold Coast Builders Association Palm Beach County League of Cities Business Development Board Business Forum of Palm Beach County Florida Rural Legal Services Community Financing Consortium Adopt-A-Family of the Palm Beaches Inc South Florida LISC We Help Community Development Inc Fair Housing Center of the Greater Palm Beaches Urban League of Palm Beach County Housing Partnership North Palm Beach Chamber of Commerce and the School District of Palm Beach County
These groups pulled together with the goal of creating vibrant mixed-income sustainable communities with a permanent supply of both rental and homeownership opportunities
Now with 108 total units throughout central Palm Beach County the dream is coming to fruition Itrsquos easy to see that the CLT of PBC serves as a successful model for demonstrating the power of a community and its ability do great things
+3380 28Rental Units
CLT Owner Units
Units by 2017
1310 Years of Community Land Trusts in South Florida April 2016
Love what you do and you will never work a day in your life Itrsquos a common quote not often practiced by many However Evelyn Dobson Executive Director of Delray Beach Community Land Trust (DBCLT) and Gary Eliopoulos Chairman of the Board seem to live by this motto
ldquoI feel like I finally found my niche in what I do because I know what it feels like to dream of becoming a homeowner and at times feeling that it may never happenrdquo said Evelyn Dobson when describing her job ldquoTo see the smile on the homeowners face when they get the keys to their home is the most rewarding feelingrdquo
Gary shares the same sentiment describing that the DBCLT was the perfect fit for him Itrsquos a feeling that kept their door open despite difficult times
The organization was formed in 2006 During the Great Recession DBCLT operated with a limited staff worked tirelessly with lending institutes and refused to give up ldquoTo be able to say that we are still operating after the Great Recession is our organizations greatest accomplishmentrdquo said Gary Eliopoulos
ldquoWe sustained the housing program services provided by the organization and that is of most importancerdquo
Fast-forward ten years and the team has served more than 500 households and currently stewards and manages 107 units including single-family homes townhomes and rentals However Evelyn and Gary refuse to stop there
DELRAY BEACH CLT
FOSTERING HEALTHY COMMUNITIES THROUGH THE CREATION STABILIZATION AND PRESERVATION OF QUALITY LONG-TERM AFFORDABLE HOUSING
14 SOUTH FLORIDA COMMUNITY LAND TRUST NETWORK
145 SW 12th Avenue Delray Beach561-243-7500 wwwdelraylandtrustorg
BOARD OF DIRECTORSGARY P ELIOPOULOSPRESIDENT
KIMBERLY CAMEJOVICE PRESIDENT
DYSONYA MITCHELLTREASURER
MORRIE WEINMANSECRETARY
ARTHUR BROWN
POLK COTTON
CHERYL HAYWOOD
VICKI HILL
ANTHONY HOLLIDAY JR
ELTON MCGOWAN JR
KIMBERLY MORRIS
PATRICIA WRIGHT
STAFF
EVELYN DOBSONEXECUTIVE DIRECTOR
GERECIA JACKSON EDMONDHOUSING MANAGER
AHMED BURTONHOUSING COORDINATOR
+1243 64Rental Units
CLT Owner Units
Units by 2017
The DBCLT Atlantic Park Square Project along SW 14th Avenue will consist of 22 single family homes upon completion with three to four bedrooms rear-and-side loaded garages and large elevated porches Of the 22 planned 21 have been completed and sold with one lot remaining It is a true example of how the DBCLT City of Delray Beach and Delray Beach CRA can partner to create something spectacular
ldquoWe continue to work together The organization is accountable the dedication is there and we have made affordable housing a reality for very-low- to moderate-income householdsrdquo said Dobson As housing prices increase Evelyn and Gary look forward to a very bright future The CLT model is working thanks to the hard work and dedication of the team and partners
1510 Years of Community Land Trusts in South Florida April 2016
HEARTFELT FLORIDA HOUSING CLTDEVELOPING THRIVING STABLE COMMUNITIES THROUGH THE ACQUISITION OF LAND amp THE CREATION amp STEWARDSHIP OF PERMANENTLY AFFORDABLE HOUSING FOR LOW- TO MODERATE-INCOME INDIVIDUALS
Ocean Breeze West sounds like a tropical paradise and for the residents there it is The development is constructed on a 45 acre site which was destroyed by the hurricanes of 2004 and now has 21 new single-family homes located in the heart of Boynton It is the first Heartfelt Florida Housing Community Land Trust (HFHCLT) mixed-income development aimed at an innovative socially responsible and sustainable solutions to the lack of affordable housing opportunities in South Palm Beach
After 25 years of serving South Palm Beach the local affiliate of Habitat for Humanity decided to utilize the community land trust model and the nonprofit Heartfelt Florida Housing Community Land Trust (HFHCLT) was founded in 2010
Mike Williams Associate Executive Director at Habitat for Humanity of South Palm Beach County shared his vision when he stated ldquoThe impact of having a decent place to live especially for kids who do so much better
16 SOUTH FLORIDA COMMUNITY LAND TRUST NETWORK
181 SE 5th Avenue Delray Beach561-819-6070wwwheartfeltcltorg
BOARD OF DIRECTORS
JEREMY AHWEE PRESIDENT
MIKE CAMPBELLSECRETARY
PAMELA OWENS TREASURER
WANESTA BUSH MEMBER
DIANA HILLMAN MEMBER
ROJUANA MOSSMEMBER
MIKE OWEN MEMBER
STAFFDONNA WALDRONEXECUTIVE DIRECTOR
when they have a place to study and thrive and the parents themselves who donrsquot have to worry about a landlord or where they will live next month and being able to address that is the greatest motivationrdquo
The focus of the land trust is to make these homes permanently affordable The homeowners are granted a long-term ground lease with their home purchase and can stay there for its duration If they choose to sell a formula is used to allow a limited but fair return to the seller while keeping the structure affordable for the next buyer ensuring perpetual affordability
In addition to the goal of perpetual affordability Heartfelt works with its present and future residents to safeguard the homes and maintain the security of its occupants Ocean Breeze West brings new hope to the entire community It provides an opportunity for working families to return to a neighborhood that lost residents when the former buildings were rendered uninhabitable
Yet HFHCLT isnrsquot satisfied that enough has been done They are committed to the expansion of their acquisition and development program According to Mike HFHCLT is working with the City of Delray in looking at a couple of areas to do bigger developments
HFHCLT is paving the way to preserving the quality affordability and economic diversity of housing for residents of South Palm Beach County Florida
27CLT Owner Units
+18Units by 2017
1710 Years of Community Land Trusts in South Florida April 2016
SOUTH FLORIDA CLTPROVIDING AND PRESERVING QUALITY SUSTAINABLE AFFORDABLE HOUSING FOR UNDERSERVED POPULATIONS IN SOUTH FLORIDA When driving through the quiet neighborhoods of South Florida you notice houses transformed into homes with families making memories inside But what you donrsquot notice is the history as to how these families got there Behind that brick and concrete is something even stronger Perseverance
It is this adjective that weaves throughout the South Florida Community Land Trust (SFCLT) foundation SFCLT has assisted over 100 individuals to find a home But achieving this goal wasnrsquot always easy
ldquoOur first project was the most challengingrdquo said Mandy Bartle SFCLT Executive Director ldquoWe bought an apartment building in a nice wealthy community There was a lot of resistance from the neighbors and commissioners for developing affordable housing in the neighborhood After we
remodeled the apartments we them showed how beautiful it was and started getting calls from the community about moving in We were able to change perceptions about what affordable housing doesrdquo
Through hard work and perseverance Mandy and her team grew the South Florida Community Land Trust into what it is today
South Florida Community Land Trust is a nonprofit corporation that develops and preserves affordable housing in South Florida It is one of the few organizations in South Florida that is focused on creating a permanent source of affordable housing to help both current and future homeowners They work to help South Florida residents afford a home without compromising on safety or quality
1007 N Federal HWY 2999547691731wwwsouthfloridacltorg
BOARD OF DIRECTORS
GIOVANNI MOSSPRESIDENT
MARCIE OPPENHEIMER NOLANVICE PRESIDENT
JERRY HENISERTREASURER
SANDRA EINHORNSECRETARY
MARCIA BARRY-SMITH
MONICA NAVARRO
STEVE WERTHMAN
STAFFMANDY SPANGLER BARTLEEXECUTIVE DIRECTOR
MATT WEISSPROPERTY MANAGER
ANNA MCMASTERPROGRAM MANAGER
+15
SFCLT was formed in 2006 a time plagued with high unemployment rates and banks hesitant to loan Yet the team persevered They were able to advocate to the banks to offer loans to their homeowners
The future is very bright for SFCLT They have plans to expand to Miami Florida within two years Despite the various challenges SFCLT knows they need to be there
ldquoNumerous reports have cited the need as it is one of few major metropolitan areas in the country without a CLT We are one of a number of groups trying to change thatrdquo said Bartle ldquoThere are CLTrsquos in Monroe Palm Beach and Broward Counties and Miami is one of the most expensive markets- thatrsquos why the need is so greatrdquo
South Florida Community Land Trust will continue to make a difference in the lives of South Florida residents and hopefully one day the residents of Miami-Dade County
46 8Rental Units
CLT Owner Units
Units by 2017
1910 Years of Community Land Trusts in South Florida April 2016
HOUSING LEADERSHIP COUNCIL OF PALM BEACH COUNTY
SFCLTN PARTNER ORGANIZATIONS
It can be easy to take advantage of a warm bed shelter during a storm a place to call home These are things we have been given since we could remember However it is the team at the Housing Leadership Council of Palm Beach County (HLCPBC) that remind us that lifersquos ldquosimplicitiesrdquo are actually quite difficult to obtain
In July 2006 the Workforce Housing Needs Assessment released a shocking report on the depth and severity of the housing market in Palm Beach County They found approximately 60 percent of Palm Beach County residents earn less than 50 percent of the area median income With such high numbers many low to mid-size earners were struggling financially to obtain or keep their homes
The report called for each county and municipality to develop a comprehensive housing policy that addresses the urgent need of expanding and preserving the inventory of affordable housing Immediately the Housing Leadership of Palm Beach County was born with a mission that housing is attainable for the workforce at all income levels through education advocacy and facilitating collaboration
Ten years later the organization continues thrive off that mission Since 2007 the Housing Leadership Council has been working on important collaborative efforts that ensure we address the current issues of stabilizing neighborhoods and making sure we have an adequate supply of workforce housing in our community
They remind us each day that we all need a place to call home
wwwhlcpbcorg
20 SOUTH FLORIDA COMMUNITY LAND TRUST NETWORK
ADOPT-A-FAMILY OF THE PALM BEACHES
HOUSING PARTNERSHIP
NEIGHBORHOOD RENAISSANCE
Research | Design | Programming
wwwadoptafamilypbcorg
Adopt-A-Family is a 501c3 nonprofit charitable organization dedicated to strengthening families with children in their efforts to achieve stability and self-sufficiency by providing access to all-encompassing services
wwwneighborhoodrenaissanceorg
Neighborhood Renaissance Inc is a nonprofit community based organization dedicated to building and supporting strong economies and diverse communities in Palm Beach County They do so by creating workforce housing opportunities jobs and small business prospects for low and moderate income persons
9 CLT HOMEOWNERSHIP UNITS45 PERMANENTLY AFFORDABLE RENTAL UNITS
wwwcp-ctoorghousing-partnership
Housing Partnership Inc a member of Community Partners began in 1986 and has come to believe that finding impactful solutions to complex community issues requires an approach that is both holistic and focused In all that they do they strive to work with the person in the context of their family and with the family in the context of their community
1 CLT HOMEOWNERSHIP UNIT9 PERMANENTLY AFFORDABLE RENTAL UNITS
2110 Years of Community Land Trusts in South Florida April 2016
The South Florida Community Land Trust Network (SFCLTN) is a collaborative comprised of Community Land Trusts and key partner organizations operating in South Florida
SFCLTN LeadHousing Leadership Council of Palm Beach County | wwwhlcpbcorg
Community Land Trust MembersCommunity Land Trust of Palm Beach County |wwwcltofpbcorgDelray Beach Community Land Trust | wwwdelraylandtrustorgHeartfelt Florida Housing Community Land Trust | wwwheartfeltcltorgSouth Florida Community Land Trust | wwwsouthfloridacltorg
Partner OrganizationsAdopt-A-Family of the Palm Beaches | wwwadoptafamilypbcorgHousing Partnership | wwwcp-ctoorghousing-partnershipNeighborhood Renaissance | wwwneighborhoodrenaissanceorg
THE SOUTH FLORIDA COMMUNITY LAND TRUSTNETWORK
Love what you do and you will never work a day in your life Itrsquos a common quote not often practiced by many However Evelyn Dobson Executive Director of Delray Beach Community Land Trust (DBCLT) and Gary Eliopoulos Chairman of the Board seem to live by this motto
ldquoI feel like I finally found my niche in what I do because I know what it feels like to dream of becoming a homeowner and at times feeling that it may never happenrdquo said Evelyn Dobson when describing her job ldquoTo see the smile on the homeowners face when they get the keys to their home is the most rewarding feelingrdquo
Gary shares the same sentiment describing that the DBCLT was the perfect fit for him Itrsquos a feeling that kept their door open despite difficult times
The organization was formed in 2006 During the Great Recession DBCLT operated with a limited staff worked tirelessly with lending institutes and refused to give up ldquoTo be able to say that we are still operating after the Great Recession is our organizations greatest accomplishmentrdquo said Gary Eliopoulos
ldquoWe sustained the housing program services provided by the organization and that is of most importancerdquo
Fast-forward ten years and the team has served more than 500 households and currently stewards and manages 107 units including single-family homes townhomes and rentals However Evelyn and Gary refuse to stop there
DELRAY BEACH CLT
FOSTERING HEALTHY COMMUNITIES THROUGH THE CREATION STABILIZATION AND PRESERVATION OF QUALITY LONG-TERM AFFORDABLE HOUSING
14 SOUTH FLORIDA COMMUNITY LAND TRUST NETWORK
145 SW 12th Avenue Delray Beach561-243-7500 wwwdelraylandtrustorg
BOARD OF DIRECTORSGARY P ELIOPOULOSPRESIDENT
KIMBERLY CAMEJOVICE PRESIDENT
DYSONYA MITCHELLTREASURER
MORRIE WEINMANSECRETARY
ARTHUR BROWN
POLK COTTON
CHERYL HAYWOOD
VICKI HILL
ANTHONY HOLLIDAY JR
ELTON MCGOWAN JR
KIMBERLY MORRIS
PATRICIA WRIGHT
STAFF
EVELYN DOBSONEXECUTIVE DIRECTOR
GERECIA JACKSON EDMONDHOUSING MANAGER
AHMED BURTONHOUSING COORDINATOR
+1243 64Rental Units
CLT Owner Units
Units by 2017
The DBCLT Atlantic Park Square Project along SW 14th Avenue will consist of 22 single family homes upon completion with three to four bedrooms rear-and-side loaded garages and large elevated porches Of the 22 planned 21 have been completed and sold with one lot remaining It is a true example of how the DBCLT City of Delray Beach and Delray Beach CRA can partner to create something spectacular
ldquoWe continue to work together The organization is accountable the dedication is there and we have made affordable housing a reality for very-low- to moderate-income householdsrdquo said Dobson As housing prices increase Evelyn and Gary look forward to a very bright future The CLT model is working thanks to the hard work and dedication of the team and partners
1510 Years of Community Land Trusts in South Florida April 2016
HEARTFELT FLORIDA HOUSING CLTDEVELOPING THRIVING STABLE COMMUNITIES THROUGH THE ACQUISITION OF LAND amp THE CREATION amp STEWARDSHIP OF PERMANENTLY AFFORDABLE HOUSING FOR LOW- TO MODERATE-INCOME INDIVIDUALS
Ocean Breeze West sounds like a tropical paradise and for the residents there it is The development is constructed on a 45 acre site which was destroyed by the hurricanes of 2004 and now has 21 new single-family homes located in the heart of Boynton It is the first Heartfelt Florida Housing Community Land Trust (HFHCLT) mixed-income development aimed at an innovative socially responsible and sustainable solutions to the lack of affordable housing opportunities in South Palm Beach
After 25 years of serving South Palm Beach the local affiliate of Habitat for Humanity decided to utilize the community land trust model and the nonprofit Heartfelt Florida Housing Community Land Trust (HFHCLT) was founded in 2010
Mike Williams Associate Executive Director at Habitat for Humanity of South Palm Beach County shared his vision when he stated ldquoThe impact of having a decent place to live especially for kids who do so much better
16 SOUTH FLORIDA COMMUNITY LAND TRUST NETWORK
181 SE 5th Avenue Delray Beach561-819-6070wwwheartfeltcltorg
BOARD OF DIRECTORS
JEREMY AHWEE PRESIDENT
MIKE CAMPBELLSECRETARY
PAMELA OWENS TREASURER
WANESTA BUSH MEMBER
DIANA HILLMAN MEMBER
ROJUANA MOSSMEMBER
MIKE OWEN MEMBER
STAFFDONNA WALDRONEXECUTIVE DIRECTOR
when they have a place to study and thrive and the parents themselves who donrsquot have to worry about a landlord or where they will live next month and being able to address that is the greatest motivationrdquo
The focus of the land trust is to make these homes permanently affordable The homeowners are granted a long-term ground lease with their home purchase and can stay there for its duration If they choose to sell a formula is used to allow a limited but fair return to the seller while keeping the structure affordable for the next buyer ensuring perpetual affordability
In addition to the goal of perpetual affordability Heartfelt works with its present and future residents to safeguard the homes and maintain the security of its occupants Ocean Breeze West brings new hope to the entire community It provides an opportunity for working families to return to a neighborhood that lost residents when the former buildings were rendered uninhabitable
Yet HFHCLT isnrsquot satisfied that enough has been done They are committed to the expansion of their acquisition and development program According to Mike HFHCLT is working with the City of Delray in looking at a couple of areas to do bigger developments
HFHCLT is paving the way to preserving the quality affordability and economic diversity of housing for residents of South Palm Beach County Florida
27CLT Owner Units
+18Units by 2017
1710 Years of Community Land Trusts in South Florida April 2016
SOUTH FLORIDA CLTPROVIDING AND PRESERVING QUALITY SUSTAINABLE AFFORDABLE HOUSING FOR UNDERSERVED POPULATIONS IN SOUTH FLORIDA When driving through the quiet neighborhoods of South Florida you notice houses transformed into homes with families making memories inside But what you donrsquot notice is the history as to how these families got there Behind that brick and concrete is something even stronger Perseverance
It is this adjective that weaves throughout the South Florida Community Land Trust (SFCLT) foundation SFCLT has assisted over 100 individuals to find a home But achieving this goal wasnrsquot always easy
ldquoOur first project was the most challengingrdquo said Mandy Bartle SFCLT Executive Director ldquoWe bought an apartment building in a nice wealthy community There was a lot of resistance from the neighbors and commissioners for developing affordable housing in the neighborhood After we
remodeled the apartments we them showed how beautiful it was and started getting calls from the community about moving in We were able to change perceptions about what affordable housing doesrdquo
Through hard work and perseverance Mandy and her team grew the South Florida Community Land Trust into what it is today
South Florida Community Land Trust is a nonprofit corporation that develops and preserves affordable housing in South Florida It is one of the few organizations in South Florida that is focused on creating a permanent source of affordable housing to help both current and future homeowners They work to help South Florida residents afford a home without compromising on safety or quality
1007 N Federal HWY 2999547691731wwwsouthfloridacltorg
BOARD OF DIRECTORS
GIOVANNI MOSSPRESIDENT
MARCIE OPPENHEIMER NOLANVICE PRESIDENT
JERRY HENISERTREASURER
SANDRA EINHORNSECRETARY
MARCIA BARRY-SMITH
MONICA NAVARRO
STEVE WERTHMAN
STAFFMANDY SPANGLER BARTLEEXECUTIVE DIRECTOR
MATT WEISSPROPERTY MANAGER
ANNA MCMASTERPROGRAM MANAGER
+15
SFCLT was formed in 2006 a time plagued with high unemployment rates and banks hesitant to loan Yet the team persevered They were able to advocate to the banks to offer loans to their homeowners
The future is very bright for SFCLT They have plans to expand to Miami Florida within two years Despite the various challenges SFCLT knows they need to be there
ldquoNumerous reports have cited the need as it is one of few major metropolitan areas in the country without a CLT We are one of a number of groups trying to change thatrdquo said Bartle ldquoThere are CLTrsquos in Monroe Palm Beach and Broward Counties and Miami is one of the most expensive markets- thatrsquos why the need is so greatrdquo
South Florida Community Land Trust will continue to make a difference in the lives of South Florida residents and hopefully one day the residents of Miami-Dade County
46 8Rental Units
CLT Owner Units
Units by 2017
1910 Years of Community Land Trusts in South Florida April 2016
HOUSING LEADERSHIP COUNCIL OF PALM BEACH COUNTY
SFCLTN PARTNER ORGANIZATIONS
It can be easy to take advantage of a warm bed shelter during a storm a place to call home These are things we have been given since we could remember However it is the team at the Housing Leadership Council of Palm Beach County (HLCPBC) that remind us that lifersquos ldquosimplicitiesrdquo are actually quite difficult to obtain
In July 2006 the Workforce Housing Needs Assessment released a shocking report on the depth and severity of the housing market in Palm Beach County They found approximately 60 percent of Palm Beach County residents earn less than 50 percent of the area median income With such high numbers many low to mid-size earners were struggling financially to obtain or keep their homes
The report called for each county and municipality to develop a comprehensive housing policy that addresses the urgent need of expanding and preserving the inventory of affordable housing Immediately the Housing Leadership of Palm Beach County was born with a mission that housing is attainable for the workforce at all income levels through education advocacy and facilitating collaboration
Ten years later the organization continues thrive off that mission Since 2007 the Housing Leadership Council has been working on important collaborative efforts that ensure we address the current issues of stabilizing neighborhoods and making sure we have an adequate supply of workforce housing in our community
They remind us each day that we all need a place to call home
wwwhlcpbcorg
20 SOUTH FLORIDA COMMUNITY LAND TRUST NETWORK
ADOPT-A-FAMILY OF THE PALM BEACHES
HOUSING PARTNERSHIP
NEIGHBORHOOD RENAISSANCE
Research | Design | Programming
wwwadoptafamilypbcorg
Adopt-A-Family is a 501c3 nonprofit charitable organization dedicated to strengthening families with children in their efforts to achieve stability and self-sufficiency by providing access to all-encompassing services
wwwneighborhoodrenaissanceorg
Neighborhood Renaissance Inc is a nonprofit community based organization dedicated to building and supporting strong economies and diverse communities in Palm Beach County They do so by creating workforce housing opportunities jobs and small business prospects for low and moderate income persons
9 CLT HOMEOWNERSHIP UNITS45 PERMANENTLY AFFORDABLE RENTAL UNITS
wwwcp-ctoorghousing-partnership
Housing Partnership Inc a member of Community Partners began in 1986 and has come to believe that finding impactful solutions to complex community issues requires an approach that is both holistic and focused In all that they do they strive to work with the person in the context of their family and with the family in the context of their community
1 CLT HOMEOWNERSHIP UNIT9 PERMANENTLY AFFORDABLE RENTAL UNITS
2110 Years of Community Land Trusts in South Florida April 2016
The South Florida Community Land Trust Network (SFCLTN) is a collaborative comprised of Community Land Trusts and key partner organizations operating in South Florida
SFCLTN LeadHousing Leadership Council of Palm Beach County | wwwhlcpbcorg
Community Land Trust MembersCommunity Land Trust of Palm Beach County |wwwcltofpbcorgDelray Beach Community Land Trust | wwwdelraylandtrustorgHeartfelt Florida Housing Community Land Trust | wwwheartfeltcltorgSouth Florida Community Land Trust | wwwsouthfloridacltorg
Partner OrganizationsAdopt-A-Family of the Palm Beaches | wwwadoptafamilypbcorgHousing Partnership | wwwcp-ctoorghousing-partnershipNeighborhood Renaissance | wwwneighborhoodrenaissanceorg
THE SOUTH FLORIDA COMMUNITY LAND TRUSTNETWORK
145 SW 12th Avenue Delray Beach561-243-7500 wwwdelraylandtrustorg
BOARD OF DIRECTORSGARY P ELIOPOULOSPRESIDENT
KIMBERLY CAMEJOVICE PRESIDENT
DYSONYA MITCHELLTREASURER
MORRIE WEINMANSECRETARY
ARTHUR BROWN
POLK COTTON
CHERYL HAYWOOD
VICKI HILL
ANTHONY HOLLIDAY JR
ELTON MCGOWAN JR
KIMBERLY MORRIS
PATRICIA WRIGHT
STAFF
EVELYN DOBSONEXECUTIVE DIRECTOR
GERECIA JACKSON EDMONDHOUSING MANAGER
AHMED BURTONHOUSING COORDINATOR
+1243 64Rental Units
CLT Owner Units
Units by 2017
The DBCLT Atlantic Park Square Project along SW 14th Avenue will consist of 22 single family homes upon completion with three to four bedrooms rear-and-side loaded garages and large elevated porches Of the 22 planned 21 have been completed and sold with one lot remaining It is a true example of how the DBCLT City of Delray Beach and Delray Beach CRA can partner to create something spectacular
ldquoWe continue to work together The organization is accountable the dedication is there and we have made affordable housing a reality for very-low- to moderate-income householdsrdquo said Dobson As housing prices increase Evelyn and Gary look forward to a very bright future The CLT model is working thanks to the hard work and dedication of the team and partners
1510 Years of Community Land Trusts in South Florida April 2016
HEARTFELT FLORIDA HOUSING CLTDEVELOPING THRIVING STABLE COMMUNITIES THROUGH THE ACQUISITION OF LAND amp THE CREATION amp STEWARDSHIP OF PERMANENTLY AFFORDABLE HOUSING FOR LOW- TO MODERATE-INCOME INDIVIDUALS
Ocean Breeze West sounds like a tropical paradise and for the residents there it is The development is constructed on a 45 acre site which was destroyed by the hurricanes of 2004 and now has 21 new single-family homes located in the heart of Boynton It is the first Heartfelt Florida Housing Community Land Trust (HFHCLT) mixed-income development aimed at an innovative socially responsible and sustainable solutions to the lack of affordable housing opportunities in South Palm Beach
After 25 years of serving South Palm Beach the local affiliate of Habitat for Humanity decided to utilize the community land trust model and the nonprofit Heartfelt Florida Housing Community Land Trust (HFHCLT) was founded in 2010
Mike Williams Associate Executive Director at Habitat for Humanity of South Palm Beach County shared his vision when he stated ldquoThe impact of having a decent place to live especially for kids who do so much better
16 SOUTH FLORIDA COMMUNITY LAND TRUST NETWORK
181 SE 5th Avenue Delray Beach561-819-6070wwwheartfeltcltorg
BOARD OF DIRECTORS
JEREMY AHWEE PRESIDENT
MIKE CAMPBELLSECRETARY
PAMELA OWENS TREASURER
WANESTA BUSH MEMBER
DIANA HILLMAN MEMBER
ROJUANA MOSSMEMBER
MIKE OWEN MEMBER
STAFFDONNA WALDRONEXECUTIVE DIRECTOR
when they have a place to study and thrive and the parents themselves who donrsquot have to worry about a landlord or where they will live next month and being able to address that is the greatest motivationrdquo
The focus of the land trust is to make these homes permanently affordable The homeowners are granted a long-term ground lease with their home purchase and can stay there for its duration If they choose to sell a formula is used to allow a limited but fair return to the seller while keeping the structure affordable for the next buyer ensuring perpetual affordability
In addition to the goal of perpetual affordability Heartfelt works with its present and future residents to safeguard the homes and maintain the security of its occupants Ocean Breeze West brings new hope to the entire community It provides an opportunity for working families to return to a neighborhood that lost residents when the former buildings were rendered uninhabitable
Yet HFHCLT isnrsquot satisfied that enough has been done They are committed to the expansion of their acquisition and development program According to Mike HFHCLT is working with the City of Delray in looking at a couple of areas to do bigger developments
HFHCLT is paving the way to preserving the quality affordability and economic diversity of housing for residents of South Palm Beach County Florida
27CLT Owner Units
+18Units by 2017
1710 Years of Community Land Trusts in South Florida April 2016
SOUTH FLORIDA CLTPROVIDING AND PRESERVING QUALITY SUSTAINABLE AFFORDABLE HOUSING FOR UNDERSERVED POPULATIONS IN SOUTH FLORIDA When driving through the quiet neighborhoods of South Florida you notice houses transformed into homes with families making memories inside But what you donrsquot notice is the history as to how these families got there Behind that brick and concrete is something even stronger Perseverance
It is this adjective that weaves throughout the South Florida Community Land Trust (SFCLT) foundation SFCLT has assisted over 100 individuals to find a home But achieving this goal wasnrsquot always easy
ldquoOur first project was the most challengingrdquo said Mandy Bartle SFCLT Executive Director ldquoWe bought an apartment building in a nice wealthy community There was a lot of resistance from the neighbors and commissioners for developing affordable housing in the neighborhood After we
remodeled the apartments we them showed how beautiful it was and started getting calls from the community about moving in We were able to change perceptions about what affordable housing doesrdquo
Through hard work and perseverance Mandy and her team grew the South Florida Community Land Trust into what it is today
South Florida Community Land Trust is a nonprofit corporation that develops and preserves affordable housing in South Florida It is one of the few organizations in South Florida that is focused on creating a permanent source of affordable housing to help both current and future homeowners They work to help South Florida residents afford a home without compromising on safety or quality
1007 N Federal HWY 2999547691731wwwsouthfloridacltorg
BOARD OF DIRECTORS
GIOVANNI MOSSPRESIDENT
MARCIE OPPENHEIMER NOLANVICE PRESIDENT
JERRY HENISERTREASURER
SANDRA EINHORNSECRETARY
MARCIA BARRY-SMITH
MONICA NAVARRO
STEVE WERTHMAN
STAFFMANDY SPANGLER BARTLEEXECUTIVE DIRECTOR
MATT WEISSPROPERTY MANAGER
ANNA MCMASTERPROGRAM MANAGER
+15
SFCLT was formed in 2006 a time plagued with high unemployment rates and banks hesitant to loan Yet the team persevered They were able to advocate to the banks to offer loans to their homeowners
The future is very bright for SFCLT They have plans to expand to Miami Florida within two years Despite the various challenges SFCLT knows they need to be there
ldquoNumerous reports have cited the need as it is one of few major metropolitan areas in the country without a CLT We are one of a number of groups trying to change thatrdquo said Bartle ldquoThere are CLTrsquos in Monroe Palm Beach and Broward Counties and Miami is one of the most expensive markets- thatrsquos why the need is so greatrdquo
South Florida Community Land Trust will continue to make a difference in the lives of South Florida residents and hopefully one day the residents of Miami-Dade County
46 8Rental Units
CLT Owner Units
Units by 2017
1910 Years of Community Land Trusts in South Florida April 2016
HOUSING LEADERSHIP COUNCIL OF PALM BEACH COUNTY
SFCLTN PARTNER ORGANIZATIONS
It can be easy to take advantage of a warm bed shelter during a storm a place to call home These are things we have been given since we could remember However it is the team at the Housing Leadership Council of Palm Beach County (HLCPBC) that remind us that lifersquos ldquosimplicitiesrdquo are actually quite difficult to obtain
In July 2006 the Workforce Housing Needs Assessment released a shocking report on the depth and severity of the housing market in Palm Beach County They found approximately 60 percent of Palm Beach County residents earn less than 50 percent of the area median income With such high numbers many low to mid-size earners were struggling financially to obtain or keep their homes
The report called for each county and municipality to develop a comprehensive housing policy that addresses the urgent need of expanding and preserving the inventory of affordable housing Immediately the Housing Leadership of Palm Beach County was born with a mission that housing is attainable for the workforce at all income levels through education advocacy and facilitating collaboration
Ten years later the organization continues thrive off that mission Since 2007 the Housing Leadership Council has been working on important collaborative efforts that ensure we address the current issues of stabilizing neighborhoods and making sure we have an adequate supply of workforce housing in our community
They remind us each day that we all need a place to call home
wwwhlcpbcorg
20 SOUTH FLORIDA COMMUNITY LAND TRUST NETWORK
ADOPT-A-FAMILY OF THE PALM BEACHES
HOUSING PARTNERSHIP
NEIGHBORHOOD RENAISSANCE
Research | Design | Programming
wwwadoptafamilypbcorg
Adopt-A-Family is a 501c3 nonprofit charitable organization dedicated to strengthening families with children in their efforts to achieve stability and self-sufficiency by providing access to all-encompassing services
wwwneighborhoodrenaissanceorg
Neighborhood Renaissance Inc is a nonprofit community based organization dedicated to building and supporting strong economies and diverse communities in Palm Beach County They do so by creating workforce housing opportunities jobs and small business prospects for low and moderate income persons
9 CLT HOMEOWNERSHIP UNITS45 PERMANENTLY AFFORDABLE RENTAL UNITS
wwwcp-ctoorghousing-partnership
Housing Partnership Inc a member of Community Partners began in 1986 and has come to believe that finding impactful solutions to complex community issues requires an approach that is both holistic and focused In all that they do they strive to work with the person in the context of their family and with the family in the context of their community
1 CLT HOMEOWNERSHIP UNIT9 PERMANENTLY AFFORDABLE RENTAL UNITS
2110 Years of Community Land Trusts in South Florida April 2016
The South Florida Community Land Trust Network (SFCLTN) is a collaborative comprised of Community Land Trusts and key partner organizations operating in South Florida
SFCLTN LeadHousing Leadership Council of Palm Beach County | wwwhlcpbcorg
Community Land Trust MembersCommunity Land Trust of Palm Beach County |wwwcltofpbcorgDelray Beach Community Land Trust | wwwdelraylandtrustorgHeartfelt Florida Housing Community Land Trust | wwwheartfeltcltorgSouth Florida Community Land Trust | wwwsouthfloridacltorg
Partner OrganizationsAdopt-A-Family of the Palm Beaches | wwwadoptafamilypbcorgHousing Partnership | wwwcp-ctoorghousing-partnershipNeighborhood Renaissance | wwwneighborhoodrenaissanceorg
THE SOUTH FLORIDA COMMUNITY LAND TRUSTNETWORK
HEARTFELT FLORIDA HOUSING CLTDEVELOPING THRIVING STABLE COMMUNITIES THROUGH THE ACQUISITION OF LAND amp THE CREATION amp STEWARDSHIP OF PERMANENTLY AFFORDABLE HOUSING FOR LOW- TO MODERATE-INCOME INDIVIDUALS
Ocean Breeze West sounds like a tropical paradise and for the residents there it is The development is constructed on a 45 acre site which was destroyed by the hurricanes of 2004 and now has 21 new single-family homes located in the heart of Boynton It is the first Heartfelt Florida Housing Community Land Trust (HFHCLT) mixed-income development aimed at an innovative socially responsible and sustainable solutions to the lack of affordable housing opportunities in South Palm Beach
After 25 years of serving South Palm Beach the local affiliate of Habitat for Humanity decided to utilize the community land trust model and the nonprofit Heartfelt Florida Housing Community Land Trust (HFHCLT) was founded in 2010
Mike Williams Associate Executive Director at Habitat for Humanity of South Palm Beach County shared his vision when he stated ldquoThe impact of having a decent place to live especially for kids who do so much better
16 SOUTH FLORIDA COMMUNITY LAND TRUST NETWORK
181 SE 5th Avenue Delray Beach561-819-6070wwwheartfeltcltorg
BOARD OF DIRECTORS
JEREMY AHWEE PRESIDENT
MIKE CAMPBELLSECRETARY
PAMELA OWENS TREASURER
WANESTA BUSH MEMBER
DIANA HILLMAN MEMBER
ROJUANA MOSSMEMBER
MIKE OWEN MEMBER
STAFFDONNA WALDRONEXECUTIVE DIRECTOR
when they have a place to study and thrive and the parents themselves who donrsquot have to worry about a landlord or where they will live next month and being able to address that is the greatest motivationrdquo
The focus of the land trust is to make these homes permanently affordable The homeowners are granted a long-term ground lease with their home purchase and can stay there for its duration If they choose to sell a formula is used to allow a limited but fair return to the seller while keeping the structure affordable for the next buyer ensuring perpetual affordability
In addition to the goal of perpetual affordability Heartfelt works with its present and future residents to safeguard the homes and maintain the security of its occupants Ocean Breeze West brings new hope to the entire community It provides an opportunity for working families to return to a neighborhood that lost residents when the former buildings were rendered uninhabitable
Yet HFHCLT isnrsquot satisfied that enough has been done They are committed to the expansion of their acquisition and development program According to Mike HFHCLT is working with the City of Delray in looking at a couple of areas to do bigger developments
HFHCLT is paving the way to preserving the quality affordability and economic diversity of housing for residents of South Palm Beach County Florida
27CLT Owner Units
+18Units by 2017
1710 Years of Community Land Trusts in South Florida April 2016
SOUTH FLORIDA CLTPROVIDING AND PRESERVING QUALITY SUSTAINABLE AFFORDABLE HOUSING FOR UNDERSERVED POPULATIONS IN SOUTH FLORIDA When driving through the quiet neighborhoods of South Florida you notice houses transformed into homes with families making memories inside But what you donrsquot notice is the history as to how these families got there Behind that brick and concrete is something even stronger Perseverance
It is this adjective that weaves throughout the South Florida Community Land Trust (SFCLT) foundation SFCLT has assisted over 100 individuals to find a home But achieving this goal wasnrsquot always easy
ldquoOur first project was the most challengingrdquo said Mandy Bartle SFCLT Executive Director ldquoWe bought an apartment building in a nice wealthy community There was a lot of resistance from the neighbors and commissioners for developing affordable housing in the neighborhood After we
remodeled the apartments we them showed how beautiful it was and started getting calls from the community about moving in We were able to change perceptions about what affordable housing doesrdquo
Through hard work and perseverance Mandy and her team grew the South Florida Community Land Trust into what it is today
South Florida Community Land Trust is a nonprofit corporation that develops and preserves affordable housing in South Florida It is one of the few organizations in South Florida that is focused on creating a permanent source of affordable housing to help both current and future homeowners They work to help South Florida residents afford a home without compromising on safety or quality
1007 N Federal HWY 2999547691731wwwsouthfloridacltorg
BOARD OF DIRECTORS
GIOVANNI MOSSPRESIDENT
MARCIE OPPENHEIMER NOLANVICE PRESIDENT
JERRY HENISERTREASURER
SANDRA EINHORNSECRETARY
MARCIA BARRY-SMITH
MONICA NAVARRO
STEVE WERTHMAN
STAFFMANDY SPANGLER BARTLEEXECUTIVE DIRECTOR
MATT WEISSPROPERTY MANAGER
ANNA MCMASTERPROGRAM MANAGER
+15
SFCLT was formed in 2006 a time plagued with high unemployment rates and banks hesitant to loan Yet the team persevered They were able to advocate to the banks to offer loans to their homeowners
The future is very bright for SFCLT They have plans to expand to Miami Florida within two years Despite the various challenges SFCLT knows they need to be there
ldquoNumerous reports have cited the need as it is one of few major metropolitan areas in the country without a CLT We are one of a number of groups trying to change thatrdquo said Bartle ldquoThere are CLTrsquos in Monroe Palm Beach and Broward Counties and Miami is one of the most expensive markets- thatrsquos why the need is so greatrdquo
South Florida Community Land Trust will continue to make a difference in the lives of South Florida residents and hopefully one day the residents of Miami-Dade County
46 8Rental Units
CLT Owner Units
Units by 2017
1910 Years of Community Land Trusts in South Florida April 2016
HOUSING LEADERSHIP COUNCIL OF PALM BEACH COUNTY
SFCLTN PARTNER ORGANIZATIONS
It can be easy to take advantage of a warm bed shelter during a storm a place to call home These are things we have been given since we could remember However it is the team at the Housing Leadership Council of Palm Beach County (HLCPBC) that remind us that lifersquos ldquosimplicitiesrdquo are actually quite difficult to obtain
In July 2006 the Workforce Housing Needs Assessment released a shocking report on the depth and severity of the housing market in Palm Beach County They found approximately 60 percent of Palm Beach County residents earn less than 50 percent of the area median income With such high numbers many low to mid-size earners were struggling financially to obtain or keep their homes
The report called for each county and municipality to develop a comprehensive housing policy that addresses the urgent need of expanding and preserving the inventory of affordable housing Immediately the Housing Leadership of Palm Beach County was born with a mission that housing is attainable for the workforce at all income levels through education advocacy and facilitating collaboration
Ten years later the organization continues thrive off that mission Since 2007 the Housing Leadership Council has been working on important collaborative efforts that ensure we address the current issues of stabilizing neighborhoods and making sure we have an adequate supply of workforce housing in our community
They remind us each day that we all need a place to call home
wwwhlcpbcorg
20 SOUTH FLORIDA COMMUNITY LAND TRUST NETWORK
ADOPT-A-FAMILY OF THE PALM BEACHES
HOUSING PARTNERSHIP
NEIGHBORHOOD RENAISSANCE
Research | Design | Programming
wwwadoptafamilypbcorg
Adopt-A-Family is a 501c3 nonprofit charitable organization dedicated to strengthening families with children in their efforts to achieve stability and self-sufficiency by providing access to all-encompassing services
wwwneighborhoodrenaissanceorg
Neighborhood Renaissance Inc is a nonprofit community based organization dedicated to building and supporting strong economies and diverse communities in Palm Beach County They do so by creating workforce housing opportunities jobs and small business prospects for low and moderate income persons
9 CLT HOMEOWNERSHIP UNITS45 PERMANENTLY AFFORDABLE RENTAL UNITS
wwwcp-ctoorghousing-partnership
Housing Partnership Inc a member of Community Partners began in 1986 and has come to believe that finding impactful solutions to complex community issues requires an approach that is both holistic and focused In all that they do they strive to work with the person in the context of their family and with the family in the context of their community
1 CLT HOMEOWNERSHIP UNIT9 PERMANENTLY AFFORDABLE RENTAL UNITS
2110 Years of Community Land Trusts in South Florida April 2016
The South Florida Community Land Trust Network (SFCLTN) is a collaborative comprised of Community Land Trusts and key partner organizations operating in South Florida
SFCLTN LeadHousing Leadership Council of Palm Beach County | wwwhlcpbcorg
Community Land Trust MembersCommunity Land Trust of Palm Beach County |wwwcltofpbcorgDelray Beach Community Land Trust | wwwdelraylandtrustorgHeartfelt Florida Housing Community Land Trust | wwwheartfeltcltorgSouth Florida Community Land Trust | wwwsouthfloridacltorg
Partner OrganizationsAdopt-A-Family of the Palm Beaches | wwwadoptafamilypbcorgHousing Partnership | wwwcp-ctoorghousing-partnershipNeighborhood Renaissance | wwwneighborhoodrenaissanceorg
THE SOUTH FLORIDA COMMUNITY LAND TRUSTNETWORK
181 SE 5th Avenue Delray Beach561-819-6070wwwheartfeltcltorg
BOARD OF DIRECTORS
JEREMY AHWEE PRESIDENT
MIKE CAMPBELLSECRETARY
PAMELA OWENS TREASURER
WANESTA BUSH MEMBER
DIANA HILLMAN MEMBER
ROJUANA MOSSMEMBER
MIKE OWEN MEMBER
STAFFDONNA WALDRONEXECUTIVE DIRECTOR
when they have a place to study and thrive and the parents themselves who donrsquot have to worry about a landlord or where they will live next month and being able to address that is the greatest motivationrdquo
The focus of the land trust is to make these homes permanently affordable The homeowners are granted a long-term ground lease with their home purchase and can stay there for its duration If they choose to sell a formula is used to allow a limited but fair return to the seller while keeping the structure affordable for the next buyer ensuring perpetual affordability
In addition to the goal of perpetual affordability Heartfelt works with its present and future residents to safeguard the homes and maintain the security of its occupants Ocean Breeze West brings new hope to the entire community It provides an opportunity for working families to return to a neighborhood that lost residents when the former buildings were rendered uninhabitable
Yet HFHCLT isnrsquot satisfied that enough has been done They are committed to the expansion of their acquisition and development program According to Mike HFHCLT is working with the City of Delray in looking at a couple of areas to do bigger developments
HFHCLT is paving the way to preserving the quality affordability and economic diversity of housing for residents of South Palm Beach County Florida
27CLT Owner Units
+18Units by 2017
1710 Years of Community Land Trusts in South Florida April 2016
SOUTH FLORIDA CLTPROVIDING AND PRESERVING QUALITY SUSTAINABLE AFFORDABLE HOUSING FOR UNDERSERVED POPULATIONS IN SOUTH FLORIDA When driving through the quiet neighborhoods of South Florida you notice houses transformed into homes with families making memories inside But what you donrsquot notice is the history as to how these families got there Behind that brick and concrete is something even stronger Perseverance
It is this adjective that weaves throughout the South Florida Community Land Trust (SFCLT) foundation SFCLT has assisted over 100 individuals to find a home But achieving this goal wasnrsquot always easy
ldquoOur first project was the most challengingrdquo said Mandy Bartle SFCLT Executive Director ldquoWe bought an apartment building in a nice wealthy community There was a lot of resistance from the neighbors and commissioners for developing affordable housing in the neighborhood After we
remodeled the apartments we them showed how beautiful it was and started getting calls from the community about moving in We were able to change perceptions about what affordable housing doesrdquo
Through hard work and perseverance Mandy and her team grew the South Florida Community Land Trust into what it is today
South Florida Community Land Trust is a nonprofit corporation that develops and preserves affordable housing in South Florida It is one of the few organizations in South Florida that is focused on creating a permanent source of affordable housing to help both current and future homeowners They work to help South Florida residents afford a home without compromising on safety or quality
1007 N Federal HWY 2999547691731wwwsouthfloridacltorg
BOARD OF DIRECTORS
GIOVANNI MOSSPRESIDENT
MARCIE OPPENHEIMER NOLANVICE PRESIDENT
JERRY HENISERTREASURER
SANDRA EINHORNSECRETARY
MARCIA BARRY-SMITH
MONICA NAVARRO
STEVE WERTHMAN
STAFFMANDY SPANGLER BARTLEEXECUTIVE DIRECTOR
MATT WEISSPROPERTY MANAGER
ANNA MCMASTERPROGRAM MANAGER
+15
SFCLT was formed in 2006 a time plagued with high unemployment rates and banks hesitant to loan Yet the team persevered They were able to advocate to the banks to offer loans to their homeowners
The future is very bright for SFCLT They have plans to expand to Miami Florida within two years Despite the various challenges SFCLT knows they need to be there
ldquoNumerous reports have cited the need as it is one of few major metropolitan areas in the country without a CLT We are one of a number of groups trying to change thatrdquo said Bartle ldquoThere are CLTrsquos in Monroe Palm Beach and Broward Counties and Miami is one of the most expensive markets- thatrsquos why the need is so greatrdquo
South Florida Community Land Trust will continue to make a difference in the lives of South Florida residents and hopefully one day the residents of Miami-Dade County
46 8Rental Units
CLT Owner Units
Units by 2017
1910 Years of Community Land Trusts in South Florida April 2016
HOUSING LEADERSHIP COUNCIL OF PALM BEACH COUNTY
SFCLTN PARTNER ORGANIZATIONS
It can be easy to take advantage of a warm bed shelter during a storm a place to call home These are things we have been given since we could remember However it is the team at the Housing Leadership Council of Palm Beach County (HLCPBC) that remind us that lifersquos ldquosimplicitiesrdquo are actually quite difficult to obtain
In July 2006 the Workforce Housing Needs Assessment released a shocking report on the depth and severity of the housing market in Palm Beach County They found approximately 60 percent of Palm Beach County residents earn less than 50 percent of the area median income With such high numbers many low to mid-size earners were struggling financially to obtain or keep their homes
The report called for each county and municipality to develop a comprehensive housing policy that addresses the urgent need of expanding and preserving the inventory of affordable housing Immediately the Housing Leadership of Palm Beach County was born with a mission that housing is attainable for the workforce at all income levels through education advocacy and facilitating collaboration
Ten years later the organization continues thrive off that mission Since 2007 the Housing Leadership Council has been working on important collaborative efforts that ensure we address the current issues of stabilizing neighborhoods and making sure we have an adequate supply of workforce housing in our community
They remind us each day that we all need a place to call home
wwwhlcpbcorg
20 SOUTH FLORIDA COMMUNITY LAND TRUST NETWORK
ADOPT-A-FAMILY OF THE PALM BEACHES
HOUSING PARTNERSHIP
NEIGHBORHOOD RENAISSANCE
Research | Design | Programming
wwwadoptafamilypbcorg
Adopt-A-Family is a 501c3 nonprofit charitable organization dedicated to strengthening families with children in their efforts to achieve stability and self-sufficiency by providing access to all-encompassing services
wwwneighborhoodrenaissanceorg
Neighborhood Renaissance Inc is a nonprofit community based organization dedicated to building and supporting strong economies and diverse communities in Palm Beach County They do so by creating workforce housing opportunities jobs and small business prospects for low and moderate income persons
9 CLT HOMEOWNERSHIP UNITS45 PERMANENTLY AFFORDABLE RENTAL UNITS
wwwcp-ctoorghousing-partnership
Housing Partnership Inc a member of Community Partners began in 1986 and has come to believe that finding impactful solutions to complex community issues requires an approach that is both holistic and focused In all that they do they strive to work with the person in the context of their family and with the family in the context of their community
1 CLT HOMEOWNERSHIP UNIT9 PERMANENTLY AFFORDABLE RENTAL UNITS
2110 Years of Community Land Trusts in South Florida April 2016
The South Florida Community Land Trust Network (SFCLTN) is a collaborative comprised of Community Land Trusts and key partner organizations operating in South Florida
SFCLTN LeadHousing Leadership Council of Palm Beach County | wwwhlcpbcorg
Community Land Trust MembersCommunity Land Trust of Palm Beach County |wwwcltofpbcorgDelray Beach Community Land Trust | wwwdelraylandtrustorgHeartfelt Florida Housing Community Land Trust | wwwheartfeltcltorgSouth Florida Community Land Trust | wwwsouthfloridacltorg
Partner OrganizationsAdopt-A-Family of the Palm Beaches | wwwadoptafamilypbcorgHousing Partnership | wwwcp-ctoorghousing-partnershipNeighborhood Renaissance | wwwneighborhoodrenaissanceorg
THE SOUTH FLORIDA COMMUNITY LAND TRUSTNETWORK
SOUTH FLORIDA CLTPROVIDING AND PRESERVING QUALITY SUSTAINABLE AFFORDABLE HOUSING FOR UNDERSERVED POPULATIONS IN SOUTH FLORIDA When driving through the quiet neighborhoods of South Florida you notice houses transformed into homes with families making memories inside But what you donrsquot notice is the history as to how these families got there Behind that brick and concrete is something even stronger Perseverance
It is this adjective that weaves throughout the South Florida Community Land Trust (SFCLT) foundation SFCLT has assisted over 100 individuals to find a home But achieving this goal wasnrsquot always easy
ldquoOur first project was the most challengingrdquo said Mandy Bartle SFCLT Executive Director ldquoWe bought an apartment building in a nice wealthy community There was a lot of resistance from the neighbors and commissioners for developing affordable housing in the neighborhood After we
remodeled the apartments we them showed how beautiful it was and started getting calls from the community about moving in We were able to change perceptions about what affordable housing doesrdquo
Through hard work and perseverance Mandy and her team grew the South Florida Community Land Trust into what it is today
South Florida Community Land Trust is a nonprofit corporation that develops and preserves affordable housing in South Florida It is one of the few organizations in South Florida that is focused on creating a permanent source of affordable housing to help both current and future homeowners They work to help South Florida residents afford a home without compromising on safety or quality
1007 N Federal HWY 2999547691731wwwsouthfloridacltorg
BOARD OF DIRECTORS
GIOVANNI MOSSPRESIDENT
MARCIE OPPENHEIMER NOLANVICE PRESIDENT
JERRY HENISERTREASURER
SANDRA EINHORNSECRETARY
MARCIA BARRY-SMITH
MONICA NAVARRO
STEVE WERTHMAN
STAFFMANDY SPANGLER BARTLEEXECUTIVE DIRECTOR
MATT WEISSPROPERTY MANAGER
ANNA MCMASTERPROGRAM MANAGER
+15
SFCLT was formed in 2006 a time plagued with high unemployment rates and banks hesitant to loan Yet the team persevered They were able to advocate to the banks to offer loans to their homeowners
The future is very bright for SFCLT They have plans to expand to Miami Florida within two years Despite the various challenges SFCLT knows they need to be there
ldquoNumerous reports have cited the need as it is one of few major metropolitan areas in the country without a CLT We are one of a number of groups trying to change thatrdquo said Bartle ldquoThere are CLTrsquos in Monroe Palm Beach and Broward Counties and Miami is one of the most expensive markets- thatrsquos why the need is so greatrdquo
South Florida Community Land Trust will continue to make a difference in the lives of South Florida residents and hopefully one day the residents of Miami-Dade County
46 8Rental Units
CLT Owner Units
Units by 2017
1910 Years of Community Land Trusts in South Florida April 2016
HOUSING LEADERSHIP COUNCIL OF PALM BEACH COUNTY
SFCLTN PARTNER ORGANIZATIONS
It can be easy to take advantage of a warm bed shelter during a storm a place to call home These are things we have been given since we could remember However it is the team at the Housing Leadership Council of Palm Beach County (HLCPBC) that remind us that lifersquos ldquosimplicitiesrdquo are actually quite difficult to obtain
In July 2006 the Workforce Housing Needs Assessment released a shocking report on the depth and severity of the housing market in Palm Beach County They found approximately 60 percent of Palm Beach County residents earn less than 50 percent of the area median income With such high numbers many low to mid-size earners were struggling financially to obtain or keep their homes
The report called for each county and municipality to develop a comprehensive housing policy that addresses the urgent need of expanding and preserving the inventory of affordable housing Immediately the Housing Leadership of Palm Beach County was born with a mission that housing is attainable for the workforce at all income levels through education advocacy and facilitating collaboration
Ten years later the organization continues thrive off that mission Since 2007 the Housing Leadership Council has been working on important collaborative efforts that ensure we address the current issues of stabilizing neighborhoods and making sure we have an adequate supply of workforce housing in our community
They remind us each day that we all need a place to call home
wwwhlcpbcorg
20 SOUTH FLORIDA COMMUNITY LAND TRUST NETWORK
ADOPT-A-FAMILY OF THE PALM BEACHES
HOUSING PARTNERSHIP
NEIGHBORHOOD RENAISSANCE
Research | Design | Programming
wwwadoptafamilypbcorg
Adopt-A-Family is a 501c3 nonprofit charitable organization dedicated to strengthening families with children in their efforts to achieve stability and self-sufficiency by providing access to all-encompassing services
wwwneighborhoodrenaissanceorg
Neighborhood Renaissance Inc is a nonprofit community based organization dedicated to building and supporting strong economies and diverse communities in Palm Beach County They do so by creating workforce housing opportunities jobs and small business prospects for low and moderate income persons
9 CLT HOMEOWNERSHIP UNITS45 PERMANENTLY AFFORDABLE RENTAL UNITS
wwwcp-ctoorghousing-partnership
Housing Partnership Inc a member of Community Partners began in 1986 and has come to believe that finding impactful solutions to complex community issues requires an approach that is both holistic and focused In all that they do they strive to work with the person in the context of their family and with the family in the context of their community
1 CLT HOMEOWNERSHIP UNIT9 PERMANENTLY AFFORDABLE RENTAL UNITS
2110 Years of Community Land Trusts in South Florida April 2016
The South Florida Community Land Trust Network (SFCLTN) is a collaborative comprised of Community Land Trusts and key partner organizations operating in South Florida
SFCLTN LeadHousing Leadership Council of Palm Beach County | wwwhlcpbcorg
Community Land Trust MembersCommunity Land Trust of Palm Beach County |wwwcltofpbcorgDelray Beach Community Land Trust | wwwdelraylandtrustorgHeartfelt Florida Housing Community Land Trust | wwwheartfeltcltorgSouth Florida Community Land Trust | wwwsouthfloridacltorg
Partner OrganizationsAdopt-A-Family of the Palm Beaches | wwwadoptafamilypbcorgHousing Partnership | wwwcp-ctoorghousing-partnershipNeighborhood Renaissance | wwwneighborhoodrenaissanceorg
THE SOUTH FLORIDA COMMUNITY LAND TRUSTNETWORK
1007 N Federal HWY 2999547691731wwwsouthfloridacltorg
BOARD OF DIRECTORS
GIOVANNI MOSSPRESIDENT
MARCIE OPPENHEIMER NOLANVICE PRESIDENT
JERRY HENISERTREASURER
SANDRA EINHORNSECRETARY
MARCIA BARRY-SMITH
MONICA NAVARRO
STEVE WERTHMAN
STAFFMANDY SPANGLER BARTLEEXECUTIVE DIRECTOR
MATT WEISSPROPERTY MANAGER
ANNA MCMASTERPROGRAM MANAGER
+15
SFCLT was formed in 2006 a time plagued with high unemployment rates and banks hesitant to loan Yet the team persevered They were able to advocate to the banks to offer loans to their homeowners
The future is very bright for SFCLT They have plans to expand to Miami Florida within two years Despite the various challenges SFCLT knows they need to be there
ldquoNumerous reports have cited the need as it is one of few major metropolitan areas in the country without a CLT We are one of a number of groups trying to change thatrdquo said Bartle ldquoThere are CLTrsquos in Monroe Palm Beach and Broward Counties and Miami is one of the most expensive markets- thatrsquos why the need is so greatrdquo
South Florida Community Land Trust will continue to make a difference in the lives of South Florida residents and hopefully one day the residents of Miami-Dade County
46 8Rental Units
CLT Owner Units
Units by 2017
1910 Years of Community Land Trusts in South Florida April 2016
HOUSING LEADERSHIP COUNCIL OF PALM BEACH COUNTY
SFCLTN PARTNER ORGANIZATIONS
It can be easy to take advantage of a warm bed shelter during a storm a place to call home These are things we have been given since we could remember However it is the team at the Housing Leadership Council of Palm Beach County (HLCPBC) that remind us that lifersquos ldquosimplicitiesrdquo are actually quite difficult to obtain
In July 2006 the Workforce Housing Needs Assessment released a shocking report on the depth and severity of the housing market in Palm Beach County They found approximately 60 percent of Palm Beach County residents earn less than 50 percent of the area median income With such high numbers many low to mid-size earners were struggling financially to obtain or keep their homes
The report called for each county and municipality to develop a comprehensive housing policy that addresses the urgent need of expanding and preserving the inventory of affordable housing Immediately the Housing Leadership of Palm Beach County was born with a mission that housing is attainable for the workforce at all income levels through education advocacy and facilitating collaboration
Ten years later the organization continues thrive off that mission Since 2007 the Housing Leadership Council has been working on important collaborative efforts that ensure we address the current issues of stabilizing neighborhoods and making sure we have an adequate supply of workforce housing in our community
They remind us each day that we all need a place to call home
wwwhlcpbcorg
20 SOUTH FLORIDA COMMUNITY LAND TRUST NETWORK
ADOPT-A-FAMILY OF THE PALM BEACHES
HOUSING PARTNERSHIP
NEIGHBORHOOD RENAISSANCE
Research | Design | Programming
wwwadoptafamilypbcorg
Adopt-A-Family is a 501c3 nonprofit charitable organization dedicated to strengthening families with children in their efforts to achieve stability and self-sufficiency by providing access to all-encompassing services
wwwneighborhoodrenaissanceorg
Neighborhood Renaissance Inc is a nonprofit community based organization dedicated to building and supporting strong economies and diverse communities in Palm Beach County They do so by creating workforce housing opportunities jobs and small business prospects for low and moderate income persons
9 CLT HOMEOWNERSHIP UNITS45 PERMANENTLY AFFORDABLE RENTAL UNITS
wwwcp-ctoorghousing-partnership
Housing Partnership Inc a member of Community Partners began in 1986 and has come to believe that finding impactful solutions to complex community issues requires an approach that is both holistic and focused In all that they do they strive to work with the person in the context of their family and with the family in the context of their community
1 CLT HOMEOWNERSHIP UNIT9 PERMANENTLY AFFORDABLE RENTAL UNITS
2110 Years of Community Land Trusts in South Florida April 2016
The South Florida Community Land Trust Network (SFCLTN) is a collaborative comprised of Community Land Trusts and key partner organizations operating in South Florida
SFCLTN LeadHousing Leadership Council of Palm Beach County | wwwhlcpbcorg
Community Land Trust MembersCommunity Land Trust of Palm Beach County |wwwcltofpbcorgDelray Beach Community Land Trust | wwwdelraylandtrustorgHeartfelt Florida Housing Community Land Trust | wwwheartfeltcltorgSouth Florida Community Land Trust | wwwsouthfloridacltorg
Partner OrganizationsAdopt-A-Family of the Palm Beaches | wwwadoptafamilypbcorgHousing Partnership | wwwcp-ctoorghousing-partnershipNeighborhood Renaissance | wwwneighborhoodrenaissanceorg
THE SOUTH FLORIDA COMMUNITY LAND TRUSTNETWORK
HOUSING LEADERSHIP COUNCIL OF PALM BEACH COUNTY
SFCLTN PARTNER ORGANIZATIONS
It can be easy to take advantage of a warm bed shelter during a storm a place to call home These are things we have been given since we could remember However it is the team at the Housing Leadership Council of Palm Beach County (HLCPBC) that remind us that lifersquos ldquosimplicitiesrdquo are actually quite difficult to obtain
In July 2006 the Workforce Housing Needs Assessment released a shocking report on the depth and severity of the housing market in Palm Beach County They found approximately 60 percent of Palm Beach County residents earn less than 50 percent of the area median income With such high numbers many low to mid-size earners were struggling financially to obtain or keep their homes
The report called for each county and municipality to develop a comprehensive housing policy that addresses the urgent need of expanding and preserving the inventory of affordable housing Immediately the Housing Leadership of Palm Beach County was born with a mission that housing is attainable for the workforce at all income levels through education advocacy and facilitating collaboration
Ten years later the organization continues thrive off that mission Since 2007 the Housing Leadership Council has been working on important collaborative efforts that ensure we address the current issues of stabilizing neighborhoods and making sure we have an adequate supply of workforce housing in our community
They remind us each day that we all need a place to call home
wwwhlcpbcorg
20 SOUTH FLORIDA COMMUNITY LAND TRUST NETWORK
ADOPT-A-FAMILY OF THE PALM BEACHES
HOUSING PARTNERSHIP
NEIGHBORHOOD RENAISSANCE
Research | Design | Programming
wwwadoptafamilypbcorg
Adopt-A-Family is a 501c3 nonprofit charitable organization dedicated to strengthening families with children in their efforts to achieve stability and self-sufficiency by providing access to all-encompassing services
wwwneighborhoodrenaissanceorg
Neighborhood Renaissance Inc is a nonprofit community based organization dedicated to building and supporting strong economies and diverse communities in Palm Beach County They do so by creating workforce housing opportunities jobs and small business prospects for low and moderate income persons
9 CLT HOMEOWNERSHIP UNITS45 PERMANENTLY AFFORDABLE RENTAL UNITS
wwwcp-ctoorghousing-partnership
Housing Partnership Inc a member of Community Partners began in 1986 and has come to believe that finding impactful solutions to complex community issues requires an approach that is both holistic and focused In all that they do they strive to work with the person in the context of their family and with the family in the context of their community
1 CLT HOMEOWNERSHIP UNIT9 PERMANENTLY AFFORDABLE RENTAL UNITS
2110 Years of Community Land Trusts in South Florida April 2016
The South Florida Community Land Trust Network (SFCLTN) is a collaborative comprised of Community Land Trusts and key partner organizations operating in South Florida
SFCLTN LeadHousing Leadership Council of Palm Beach County | wwwhlcpbcorg
Community Land Trust MembersCommunity Land Trust of Palm Beach County |wwwcltofpbcorgDelray Beach Community Land Trust | wwwdelraylandtrustorgHeartfelt Florida Housing Community Land Trust | wwwheartfeltcltorgSouth Florida Community Land Trust | wwwsouthfloridacltorg
Partner OrganizationsAdopt-A-Family of the Palm Beaches | wwwadoptafamilypbcorgHousing Partnership | wwwcp-ctoorghousing-partnershipNeighborhood Renaissance | wwwneighborhoodrenaissanceorg
THE SOUTH FLORIDA COMMUNITY LAND TRUSTNETWORK
ADOPT-A-FAMILY OF THE PALM BEACHES
HOUSING PARTNERSHIP
NEIGHBORHOOD RENAISSANCE
Research | Design | Programming
wwwadoptafamilypbcorg
Adopt-A-Family is a 501c3 nonprofit charitable organization dedicated to strengthening families with children in their efforts to achieve stability and self-sufficiency by providing access to all-encompassing services
wwwneighborhoodrenaissanceorg
Neighborhood Renaissance Inc is a nonprofit community based organization dedicated to building and supporting strong economies and diverse communities in Palm Beach County They do so by creating workforce housing opportunities jobs and small business prospects for low and moderate income persons
9 CLT HOMEOWNERSHIP UNITS45 PERMANENTLY AFFORDABLE RENTAL UNITS
wwwcp-ctoorghousing-partnership
Housing Partnership Inc a member of Community Partners began in 1986 and has come to believe that finding impactful solutions to complex community issues requires an approach that is both holistic and focused In all that they do they strive to work with the person in the context of their family and with the family in the context of their community
1 CLT HOMEOWNERSHIP UNIT9 PERMANENTLY AFFORDABLE RENTAL UNITS
2110 Years of Community Land Trusts in South Florida April 2016
The South Florida Community Land Trust Network (SFCLTN) is a collaborative comprised of Community Land Trusts and key partner organizations operating in South Florida
SFCLTN LeadHousing Leadership Council of Palm Beach County | wwwhlcpbcorg
Community Land Trust MembersCommunity Land Trust of Palm Beach County |wwwcltofpbcorgDelray Beach Community Land Trust | wwwdelraylandtrustorgHeartfelt Florida Housing Community Land Trust | wwwheartfeltcltorgSouth Florida Community Land Trust | wwwsouthfloridacltorg
Partner OrganizationsAdopt-A-Family of the Palm Beaches | wwwadoptafamilypbcorgHousing Partnership | wwwcp-ctoorghousing-partnershipNeighborhood Renaissance | wwwneighborhoodrenaissanceorg
THE SOUTH FLORIDA COMMUNITY LAND TRUSTNETWORK
The South Florida Community Land Trust Network (SFCLTN) is a collaborative comprised of Community Land Trusts and key partner organizations operating in South Florida
SFCLTN LeadHousing Leadership Council of Palm Beach County | wwwhlcpbcorg
Community Land Trust MembersCommunity Land Trust of Palm Beach County |wwwcltofpbcorgDelray Beach Community Land Trust | wwwdelraylandtrustorgHeartfelt Florida Housing Community Land Trust | wwwheartfeltcltorgSouth Florida Community Land Trust | wwwsouthfloridacltorg
Partner OrganizationsAdopt-A-Family of the Palm Beaches | wwwadoptafamilypbcorgHousing Partnership | wwwcp-ctoorghousing-partnershipNeighborhood Renaissance | wwwneighborhoodrenaissanceorg
THE SOUTH FLORIDA COMMUNITY LAND TRUSTNETWORK