ANNUAL REPORT AND LOCAL HOUSING INCENTIVES CERTIFICATION (10)State Housing Initiatives Partnership (SHIP) Program
Annual Report and Local Housing Incentives Certification
On Behalf of The City of Clearwater (Local Government), I hereby certify that:
1. The Annual Report information submitted electronically to Florida Housing Finance Corporation is true
and accurate for the closeout year 2020-2021 and interim year2021-2022
2. The local housing incentives or local housing incentive plan have been implemented or are in the
process of being implemented. Including, at a minimum:
a. Permits as defined in s.163.3164 (15) and (16) for affordable housing projects are
expedited to a greater degree than other projects; and
b. There is an ongoing process for review of local policies, ordinances, regulations, and plan
provisions that increase the cost of housing prior to their adoption.
3. The cumulative cost per newly constructed housing per housing unit, from these actions is estimated
to be $0.00
4. The cumulative cost per rehabilitated housing per housing unit, from these actions is estimated to be$
0.00
Staff Member responsible for submitting annual report to FHFC: Ms. Terry Malcolm -Smith
Witness Signature
Date Chief Elected OffiI or Design e Signature Date
1?)(tc ) . %No-, S�•
Witness Printed Name Chief Elected Official or Des?g nee Printed Name
Witness Signature Date
Witness Printed Name
or
A A /2,9s/A033
ATTEST (Seal)
Signature V.L Date
420.9075 (10) Each county or eligible municipality shall submit to the corporation by September 15 of each year a report of
its affordable housing programs and accomplishments through lune 30 immediately preceding submittal of the report. The
report shall be certified as accurate and complete by the local government's chief elected official or his or her designee.
Transmittal of the annual report by a county's or eligible municipality's chief elected official, or his or her designee, certifies
that the local housing incentive strategies, or, if applicable, the local housing incentive plan, have been implemented or are in
the process of being implemented pursuant to the adopted schedule for implementation.
Form 1
Title: SHIP Annual Report
Clearwater FY 2020/2021 Closeout
Page 1
Form SHIP AR/2009
67-38.008 (5), F.A.C.
Effective Date: 5/23/2017
Report Status: Unsubmitted
Form SHIP AR/2009
67-38.008 (5), F.A.C.
Effective Date: 5/23/2017
SHIP Distribution Summary
Homeownership
1
Purchase Assistance w
Rehab
$45,300.00
1
3
Owner Occupied Rehab
$182,455.63
7
10
New Construction
$103,314.88
1
Homeownership Totals:
Rentals
$331,070.51
9
Rental Totals:
Subtotals:
Additional Use of Funds
Administrative
Homeownership Counseling
Admin From Program Income
Admin From Disaster Funds
$331,070.51
9
Total Revenue (Actual and/or Anticipated) for Local SHIP Trust Fund
State Annual Distribution
Program Income (Interest)
Program Income (Payments)
Recaptured Funds
Disaster Funds
Other Funds
Carryover funds from previous year
$.00
$5,848.11
$427,327.11
$.00
-$77,959.86
Total:
$355,215.36
* Carry Forward to Next Year: -$6,972.49
NOTE: This carry forward amount will only be accurate
when all revenue amounts and all expended,
encumbered and unencumbered amounts have been
added to Form 1
Form 2
Rental Unit Information
Page 2
Form SHIP AR/2009
67-38.008 (5), F.A.C.
Effective Date: 5/23/2017
ELI
388
416
549
719
889
VLI
646
692
831
960
1,071
LOW
1,033
1,107
1,328
1,535
1,712
MOD
1,551
1,662
1,995
2,304
2,571
Up to 140%
1,809
1,939
2,327
2,688
2,999
Recap of Funding Sources for Units Produced ("Leveraging")
SHIP Funds Expended
Public Moneys Expended
Private Funds Expended
Owner Contribution
Total Value of All Units
$331,070.51
$10,000.00
$259,300.00
$3,143.08
$603,513.59
54.86%
1.66%
42.97%
.52%
100.00%
SHIP Program Compliance Summary - Home Ownership/Construction/Rehab
Homeownership
Construction / Rehabilitation
$331,070.51 -$77,959.86
-424.67%
65%
$331,070.51 -$77,959.86 -424.67% 75%
Program Compliance - Income Set -Asides
Extremely Low
Very Low
Low
Moderate
Over 120%-140%
$45,715.02
$69,030.09
$146,065.88
$70,259.52
$.00
12.87%
19.43%
41.12%
19.78%
.00%
Totals: $331,070.51
93.20%
Project Funding for Expended Funds Only
Page 3
Form SHIP AR/2009
67-38.008 (5), F.A.C.
Effective Date: 5/23/2017
IlG • � a - • .
y�y • r ®
� aag@S„��T�oea}t[aii�
• S �`�
a•
l�i� �
��a � �u '� °� a� � ;
Tod a
Extremely Low
$45,715.02
2
0
$45,715.02
2
Very Low
$69,030.09
2
0
$69,030.09
2
Low
$146,065.88
3
0
$146,065.88
3
Moderate
$70,259.52
2
0
$70,259.52
2
Over 120%-140%
0
0
$.00
0
Totals:
$331,070.51
9
$.00
0 $331,070.51
Form 3
Number of Households/Units Produced
Purchase Assistance
w Rehab
Owner Occupied
Rehab
New Construction
Clearwater
Clearwater
Clearwater
2
2
2
1
1
1
1
7
1
Totals:
Characteristics/Age (Head of Household)
2
2
3
2
Purchase Assistance
w Rehab
Owner Occupied
Rehab
New Construction
Clearwater
Clearwater
Clearwater
1
3
1
4
1
7
1
Totals:
Family Size
1
3
5
Purchase Assistance
w Rehab
Owner Occupied
Rehab
New Construction
Clearwater
Clearwater
Clearwater
6
1
1
1
1
7
1
Totals:
Race (Head of Household)
Page 4
6
3
9
9
9
Form SHIP AR/2009
67-38.008 (5), F.A.C.
Effective Date: 5/23/2017
Purchase Assistance
w Rehab
Clearwater
1
1
Owner Occupied
Rehab
Clearwater
4
3
7
New Construction
Clearwater
1
1
Totals:
Demographics (Any Member of Household)
4
5
Purchase Assistance
w Rehab
Owner Occupied
Rehab
New Construction
Clearwater
Clearwater
Clearwater
3
0
3
0
Totals:
3
3
9
Special Target Groups for Funds Expended (i.e. teachers, nurses, law enforcement,
fire fighters, etc.) Set Aside
Form 4
Status of Incentive Strategies
Incentive
Expedited permitting
Ongoing review process
Impact fee modifications
Flexible densities
Allowance of accessory
dwelling units
Allowance of flexible lot
sizes
Printed inventory of public
owned lands
Reduction of parking and
setbacks
Description (If Other)
Category
Page 5
AHAC Review
:AHAC Review
AHAC Review
'AHAC Review
AHAC Review
AHAC Review
'AHAC Review
AHAC Review
Status
Implemented,
in LHAP
Implemented, 2022
in LHAP
Implemented 2022
in LHAP
Year Adopted?,,
(or N/A)
2022
Implemented, 2021
in LHAP
Implemented, Q2020
in LHAP
Implemented, ,2021
in LHAP
Implemented, 2022
in LHAP
Implemented, ;2021
in LHAP
Form SHIP AR/2009
67-38.008 (5), F.A.C.
Effective Date: 5/23/2017
Support Services
The City of Clearwater partners with organizations that provide support services in many areas. The
available services include, but are not limited to, the following:
Gulfcoast Legal Services (GLS) has provided free civil assistance to low/moderate income residents of
Tampa Bay area for over40 years. GLS focuses on legal matters related to housing, immigration, family
law, and financial stability. GLS promotes fair housing opportunities, affordable housing for renters and/or
homebuyers, efforts/activities to end chronic homelessness, economic opportunities for very low to
moderate -income individuals and provides outreach and housing opportunities for homeless individuals and
families. GLS also prevents and eliminates unfair and illegal housing practices, discrimination/fair housing
violations, predatory lending, foreclosure, homeowner repair schemes, substandard housing conditions, and
unlawful eviction
practices that can lead to homelessness. It does so by providing both information and access to the courts
for low/moderate income residents who, because of their limited financial means, have traditionally been the
most vulnerable and least likely to know about their legal rights, resulting in their victimization.
Homeless Emergency Project Inc., (HEP's) mission is to provide homeless individuals and families,
including veterans, with housing, food, clothing and supportive services necessary to obtain self-sufficiency
and improved quality of life. HEP also provides emergency shelter and critical support services for adults
experiencing homelessness in Pinellas County.
Directions For Living is committed to serving children and families who are homeless or housing unstable.
DFL understands that children who are homeless are more likely to become homeless as adults and to
experience complex mental health conditions. It is for this reason that DFL has advocated to proactively
address the needs of children and their families who are housing unstable or homeless through our Family
Works program. DFL has worked in conjunction with the Pinellas County Schools to aid in identification of
this at -risk population and to ensure the right intensity service is being delivered to the family at the right
time.
The Kimberly Home Transitional Housing Program provides a safe and loving campus environment to
pregnant women and new moms aged 18 years and older who are homeless or at risk of homelessness.
This program provides temporary residence and counseling for expectant mothers who are struggling to
maintain independence and have no safe place to live. The program also addresses their emotional needs
by providing a stable, secure, nurturing environment where they can easily access community resources,
develop a plan for their future, learn how to care for their babies, and become strong, self-sufficient,
independent mothers. The need for safe, affordable housing for homeless pregnant women remains high.
The goal of this program is to ensure that when a client leaves, she has gained the knowledge, self-
confidence, and life skills she will need to succeed on her own.
Chore Services Program has been providing services to the 60+ population of Clearwater for over 45 years.
The goal is to assist this vulnerable population of Clearwater to remain in their own home, self-sufficient and
independent. The services provided by Chore Services allow the over 60 population to maintain a safe and
sanitary home environment. The agency targets those with the greatest economic and social needs, those
at risk for institutional placement, and low and moderate -income clients. Chore Services provides these
clients with services that will include heavy household cleaning, yard work, and minor repairs. Services are
provided to residents who are financially and/or physically unable to perform these daily tasks of
independent living and who have no one else to assist them. These services will empower the clients to
eliminate crime, create pride in their community, deter blighting influence, improve neighborhood stability,
and ensure their sustainability as a viable participant in the community.
Suncoast Housing Connections and Tampa Bay Neighborhood Housing Services provides homebuyer
counseling to individuals and families desiring to purchase a home in Clearwater. The majority of the clients
are low to moderate -income and are eligible for purchase assistance. These agencies work with clients to
ensure they are purchase -ready. This involves a thorough review of their credit and finances. The clients are
made aware of purchase assistance program for which they are eligible, guide them in the process, and
ensures they are seeking to purchase a home they can afford for the long term. Without this, many potential
homebuyers would not be able to close the affordability gap preventing them from homeownership.
Tampa Bay Black Business Investment Corporation (BBIC) is a nonprofit organization established in 1987 to
meet the need for capital & capacity services for African American entrepreneurs who were then entering
the business sector in growing numbers. The Small Business Capital Access Project (The B -CAP) is
Page 6
Form SHIP AR/2009
67-38.008 (5), F.A.C.
Effective Date: 5/23/2017
working to bring comprehensive capital access and capacity -building services to the North Greenwood and
Lake Bellevue areas of in order to fulfill several City Neighborhood Revitalization Strategy Area objectives:
expanding business opportunities, reducing unemployment, facilitating community and economic
development, and creating new investment opportunities.
Prospera provides educational seminars, one-on-one technical assistance, and grants to entrepreneurs and
existing businesses that are considered low to moderate -income persons as defined by HUD. They provide
up to six (6) entrepreneurial grants, allowing startups and existing businesses to receive advanced business
development services at no cost. A network of professionals provides these services, most of them small
businesses contracted by Prospera. These services may include legal assessment, accounting assessment,
QuickBooks training, marketing planning, business planning and other related services.
Other Accomplishments
Mr. Michael Taylor, a special needs homeowner, was in need of financial assistance to address the followinc
code deficiencies in his dwelling: roofing, electrical, plumbing, HVAC and the cabinets were falling off the
walls.
The client received help from his family to complete and submit his application.
During the processing of the client's application, staff noticed that there were numerous encumbrances
against his property that prevented assistance through the City's housing rehabilitation program.
After further review of the title report, staff collaborated on Mr. Taylor's title issues and came up with a way
the client could address his title issues. Staff called the client and informed him of what he should do, but he
was unable to perform the task. Staff realized that they needed to intervene on behalf of the client. Staff
reached out by making phone calls and sending emails to several financial institutions that had
encumbrances on the property. Within a month, the encumbrances were removed and the title company
was able to revise the title report. Staff was able to proceed to loan closing and the rehabilitation of the
property was completed correcting all deficiencies. Mr. Taylor was also referred to the Paint Your Heart Out
organization where he was approved and his house was painted.
Mr. Taylor has expressed his gratitude to staff for guiding him through the process for assistance.
Availability for Public Inspection and Comments
The City's Annual Report was made available for public inspection and comments on the City's website at
www.myclearwater.com/HousingNotices. Notice to the public of the availability of the report was given by
new paper advertisement in the Tampa Bay Times.
Life -to -Date Homeownership Default and Foreclosure
Total SHIP Purchase Assistance Loans:
196
Mortgage Foreclosures
A. Very low income households in foreclosure: 3
B. Low income households in foreclosure: 9
C. Moderate households in foreclosure: 3
Foreclosed Loans Life -to -date: 15
SHIP Program Foreclosure Percentage Rate Life to Date: 7.65
Mortgage Defaults
A. Very low income households in default: 0
B. Low income households in default: 1
Page 7
C. Moderate households in default: 0
Defaulted Loans Life -to -date: 1
SHIP Program Default Percentage Rate Life to Date:
Strategies and Production Costs
0.51
Expended Funds
Total Unit Count: 9
Total Expended Amount:
$331,070.51
Form SHIP AR/2009
67-38.008 (5), F.A.C.
Effective Date: 5/23/2017
Purchase
Assistance w
Rehab
Owner Occupied
Rehab
Owner Occupied
Rehab
Owner Occupied
Rehab
Owner Occupied
Rehab
Owner Occupied
Rehab
Owner Occupied
Rehab
New Construction
Owner Occupied
Rehab
David Bell
Kimbery
Emery
Lee Black
Melanie Bouse
Denise Fort -
Myles
Victoria
Jasionowski
Juanita Hunter
Aaron Cowan
Bertha Boone
2050 Loma Linda
Way
1017 N. Betty Lane
24862 U S Hwy 19
N. Unit 2103
1120 Webb Drive
1155 Queen Street
2204 NE Coachman
Road
1002 Engman Street
602 Alden Avenue
1532 Long Street
Clearwater
Clearwater
Clearwater
Clearwater
Clearwater
Clearwater
33763
33756
33763
33755
33756
Clearwater
Clearwater
Clearwater
33765
33755
33755
33755
$45,300.00
$24,959.52
$33,343.12
$35,686.97
$21,503.46
$32,092.97
$13,622.05
$103,314.88
$21,247.54
Administration by Entity
City of Clearwater
NOVA Engineering
Rock Solid
Local
Government
Engineering
Company
Inspection
Company
All strategies in LHAP
Owner Occupied
Rehabiliation & New
Construction
Purchase Assistance
Administration of
all strategies in
LHAP
Construction
inspections
Housing code
inspections
$25,000.00
$6,042.34
$75.00
Page 8
$103,314.88
New Construction
Owner Occupied Rehab
$26,065.09
Purchase Assistance w Rehab
$45,300.00
Expended Funds
Total Unit Count: 9
Total Expended Amount:
$331,070.51
Form SHIP AR/2009
67-38.008 (5), F.A.C.
Effective Date: 5/23/2017
Purchase
Assistance w
Rehab
Owner Occupied
Rehab
Owner Occupied
Rehab
Owner Occupied
Rehab
Owner Occupied
Rehab
Owner Occupied
Rehab
Owner Occupied
Rehab
New Construction
Owner Occupied
Rehab
David Bell
Kimbery
Emery
Lee Black
Melanie Bouse
Denise Fort -
Myles
Victoria
Jasionowski
Juanita Hunter
Aaron Cowan
Bertha Boone
2050 Loma Linda
Way
1017 N. Betty Lane
24862 U S Hwy 19
N. Unit 2103
1120 Webb Drive
1155 Queen Street
2204 NE Coachman
Road
1002 Engman Street
602 Alden Avenue
1532 Long Street
Clearwater
Clearwater
Clearwater
Clearwater
Clearwater
Clearwater
33763
33756
33763
33755
33756
Clearwater
Clearwater
Clearwater
33765
33755
33755
33755
$45,300.00
$24,959.52
$33,343.12
$35,686.97
$21,503.46
$32,092.97
$13,622.05
$103,314.88
$21,247.54
Administration by Entity
City of Clearwater
NOVA Engineering
Rock Solid
Local
Government
Engineering
Company
Inspection
Company
All strategies in LHAP
Owner Occupied
Rehabiliation & New
Construction
Purchase Assistance
Administration of
all strategies in
LHAP
Construction
inspections
Housing code
inspections
$25,000.00
$6,042.34
$75.00
Page 8
Program Income
Loan Repayment:
$94,556.76
Refinance:
$56,193.65
Foreclosure:
$61,936.58
Sale of Property:
$214,640.12
Interest Earned:
$5,848.11
Total:
$433,175.22
Number of Affordable Housing Applications
0 B B 8 8 6 • i m d
Submitted 0
Approved 0
Denied 0
Explanation of Recaptured funds
Rental Developments
Form SHIP AR/2009
67-38.008 (5), F.A.C.
Effective Date: 5/23/2017
Total:
$.00
Pinellas
County
Housing
Authority
PCHA
1450 S.
Martin
Luther
King, Jr.
Avenue
Clearwater
33756
$361,472.00
Single Family Area Purchase Price
The average area purchase price of single family units:
Or
Not Applicable
310,000.00
Form 5
Page 9
Form SHIP AR/2009
67-38.008 (5), F.A.C.
Effective Date: 5/23/2017
Special Needs Breakdown
SHIP Expended and Encumbered for Special Needs Applicants
e a
{
i.
ter
3 Owner Occupied Rehab
$46,965.17
2
rc.
Special Needs Category Breakdown by Strategy
Provide a description of efforts to reduce homelessness:
The city of Clearwater initiated and maintains a comprehensive and holistic approach by establishing the City
Homeless Initiative Program.
The Homeless Initiative Program provides homeless individuals and families access to comprehensive services.
The city has committed its support for organizations that provides wrap-around services that address the root causes
of homelessness. In addition, the city contributes financially to the Homeless Leadership Alliance (HLA) which is the
umbrella organization overseeing the continuum of care providers, and the HMIS Homeless Management Information
System in Pinellas County.
The following are some of the ways in which city funds are being used to provide services to individuals and families
experiencing homelessness:
1. Overnight emergency, transitional, or permanent housing to homeless individuals and/or families.
2. Delivery of case management
3. Transportation services for veterans to Bay Pines Hospital.
Interim Year Data
Page 10
ARS$ .�rW.
i.
ter
s•..
x• _
rc.
(3) Owner Occupied Rehab
Person with Disabling
$46,965.17
2
Condition (not DD)
Provide a description of efforts to reduce homelessness:
The city of Clearwater initiated and maintains a comprehensive and holistic approach by establishing the City
Homeless Initiative Program.
The Homeless Initiative Program provides homeless individuals and families access to comprehensive services.
The city has committed its support for organizations that provides wrap-around services that address the root causes
of homelessness. In addition, the city contributes financially to the Homeless Leadership Alliance (HLA) which is the
umbrella organization overseeing the continuum of care providers, and the HMIS Homeless Management Information
System in Pinellas County.
The following are some of the ways in which city funds are being used to provide services to individuals and families
experiencing homelessness:
1. Overnight emergency, transitional, or permanent housing to homeless individuals and/or families.
2. Delivery of case management
3. Transportation services for veterans to Bay Pines Hospital.
Interim Year Data
Page 10
Form SHIP AR/2009
67-38.008 (5), F.A.C.
Effective Date: 5/23/2017
Interim Year Data
175.63%
197.96%
32.72%
50.05%
70.39%
Page 11
State Annual Distribution
$806,837.00
Program Income
$1,045,409.04
Program Funds Expended
$825,540.43
Program Funds Encumbered
$952,990.13
Total Administration Funds Expended
$98,637.02
Total Administration Funds Encumbered
$34,317.13
Homeownership Counseling
Disaster Funds
65% Homeownership Requirement
$1,417,058.56
75% Construction / Rehabilitation
$1,597,205.56
30% Very & Extremely Low Income Requirement
$606,057.90
30% Low Income Requirement
$927,047.66
20% Special Needs Requirement
$567,895.86
Carry Forward to Next Year
175.63%
197.96%
32.72%
50.05%
70.39%
Page 11
Form SHIP AR/2009
67-38.008 (5), F.A.C.
Effective Date: 5/23/2017
LG Submitted Comments:
Page 12