01/12/2026Monday, January 12, 2026
1:00 PM
City of Clearwater
Main Library - Council Chambers
100 N. Osceola Avenue
Clearwater, FL 33755
Main Library - Council Chambers
Community Redevelopment Agency
Meeting Agenda
January 12, 2026Community Redevelopment Agency Meeting Agenda
1. Call To Order
2. Approval of Minutes
2.1 Approve the minutes of the December 1, 2025 CRA meeting as submitted in
written summation by the City Clerk.
3. Citizens to be Heard Regarding Items Not on the Agenda
4. New Business Items
4.1 Present the 2025 Business Spotlight Winners.
4.2 Approve a loan from the CRA to Clearwater Bluffs LLC and a promissory note,
in connection with the approved funding contribution for the residential project
on the Bluff.
4.3 Approve the amendments to the Downtown Clearwater Commercial Grant.
4.4 Approve the recommended updates to the Residential Exterior Improvement
Grant Program guidelines for the North Greenwood Community
Redevelopment Area (NGCRA).
4.5 Approve an increase to the maximum award amount for the North Greenwood
Commercial Grant Program from $75,000.00 to $100,000.00.
5. Director's Report
5.1 Director’s Report for December 2025.
6. Adjourn
Page 2 City of Clearwater Printed on 1/6/2026
Cover Memo
City of Clearwater Main Library - Council
Chambers
100 N. Osceola Avenue
Clearwater, FL 33755
File Number: ID#25-1345
Agenda Date: 1/12/2026 Status: Agenda ReadyVersion: 1
File Type: MinutesIn Control: Community Redevelopment Agency
Agenda Number: 2.1
SUBJECT/RECOMMENDATION:
Approve the minutes of the December 1, 2025 CRA meeting as submitted in written
summation by the City Clerk.
Page 1 City of Clearwater Printed on 1/6/2026
Community Redevelopment Agency Meeting Minutes December 1, 2025
Page 1 City of Clearwater
City of Clearwater
Main Library - Council Chambers
100 N. Osceola Avenue
Clearwater, FL 33755
Meeting Minutes
Monday, December 1, 2025
1:00 PM
Main Library - Council Chambers
Community Redevelopment Agency Draft
Community Redevelopment Agency Meeting Minutes December 1, 2025
Page 2 City of Clearwater
Roll Call Present 5 - Chair Bruce Rector, Trustee Ryan Cotton, Trustee Michael
Mannino, Trustee David Allbritton, and Trustee Lina Teixeira
Also Present: Jennifer Poirrier – City Manager, Alfred Battle – Assistant City Manager, David Margolis – City Attorney, Rosemarie Call – City Clerk, Nicole Sprague – Deputy City Clerk, and Jesus Niño – CRA Executive
Director
To provide continuity for research, items are listed in agenda order although not
necessarily discussed in that order.
Unapproved 1. Call to Order – Chair Rector
The meeting was called to order at 1:44 p.m. 2. Approval of Minutes
2.1 Approve the minutes of the November 17, 2025 CRA meeting as submitted in written
summation by the City Clerk.
Trustee Teixeira moved to approve the minutes of the November
17, 2025 CRA meeting as submitted in written summation by the
City Clerk. The motion was duly seconded and carried
unanimously. 3. Citizens to be Heard Regarding Items Not on the Agenda – None. 4. New Business Items
4.1 Approve funding in an amount not to exceed $80,000 for the Art Oasis Mural Festival
in the North Greenwood CRA and authorize the appropriate officials to execute same. In 2024, the city/CRA hosted Clearwater’s first Art Oasis Mural Festival. The
name reflects the idea that, while Clearwater can sometimes feel like an “art
desert,” concentrated public art can transform a neighborhood into an oasis of
creativity. Last year’s festival successfully delivered seven new murals across
the Downtown and East Gateway neighborhoods.
This year, the Arts and Cultural Affairs Division is requesting funding to bring
the same initiative to the North Greenwood CRA. Murals will be offered to local
businesses, property owners, and selected City-owned structures. An
application process will be available for property owners, or businesses with
property owner approval, who wish to host a mural. Draft
Community Redevelopment Agency Meeting Minutes December 1, 2025
Page 3 City of Clearwater
For this iteration, staff hopes to add a new component that was not previously
possible: a culminating neighborhood celebration to honor the new artworks
and officially close the festival. This will be produced and paid for by Arts and
Cultural Affairs Division.
This festival will bring together regional artists, residents, and businesses to
create murals that beautify the neighborhood while enhancing community pride
and connection.
Purpose of the Festival
• Support neighborhood revitalization and increase foot traffic to local
businesses.
• Help establish North Greenwood as a cultural destination within
Clearwater.
Artist & Design Selection Process
Clearwater will conduct an open call for artists (currently open). The
highest-scoring applicants, with preference for regional artists, will form the top
10 pool. Business owners will review artist portfolios and select their preferred
artist, who will then design a mural specifically for their building. Selection
operates on a first-come, first-served basis, giving early applicants the widest
selection of artists.
The CRA funds the artist commissions, which include materials, labor, and
on-site storage. Property owners receive a professionally created mural at no
cost, an investment that would typically range from $5,000 to $20,000,
depending on scale. Completed murals will be added to the City’s public art
map to help draw visitors and increase foot traffic.
This item was brought forward to the North Greenwood Citizen’s Advisory
Committee at their September 3, 2025, meetings and was approved for
recommendation.
APPROPRIATION CODE AND AMOUNT:
Funds are available in cost code 3897552-R2405- Public Art & Culture, to fund
this program.
STRATEGIC PRIORITY:
2.1 Strengthen public-private initiatives that attract, develop, and retain
diversified business sector.
3.1 Support neighborhood identity through services and programs that
empower community pride and belonging.
In response to a question, Arts and Cultural Affairs Manager Amber
Brice said one unveiling for all three pieces, inviting all artists, business Draft
Community Redevelopment Agency Meeting Minutes December 1, 2025
Page 4 City of Clearwater
owners, and the public to the one event. She said it is hard to schedule an
unveiling for murals. CRA Assistant Director Anne Lopez said the $80,000
funding is only for the murals.
Trustee Allbritton moved to approve funding in an amount not to
exceed $80,000 for the Art Oasis Mural Festival in the North
Greenwood CRA and authorize the appropriate officials to execute
same. The motion was duly seconded and carried unanimously.
4.2 St. Petersburg College Management Consulting Services Pilot Program Final
Presentation.
Dr. Andy Rojas, Professor at St. Petersburg College (SPC), will present the
final report of the pilot Management Consulting Services Project conducted in
partnership between the City of Clearwater and SPC. Dr. Rojas will also
introduce his student junior business consultants to the CRA Trustees for
acknowledgment of their participation and contributions to the project.
On July 7, 2025, staff introduced a new partnership between the City of
Clearwater and the College of Business at St. Petersburg College to launch a
pilot Management Consulting Services Program. This initiative was designed to
strengthen local business performance while enhancing student professional
development through hands-on consulting experience.
The program officially commenced on October 1, 2025, and provided pro bono
consulting services to the Clearwater Urban Leadership Coalition. The
consulting team was composed of SPC business students enrolled in an
intensive 8-week Management Consulting course, under the supervision of Dr.
Andy Rojas, a professor with over 25 years of consulting experience across
multiple industries.
DELIVERABLES TO PARTICIPATING BUSINESSES:
• A co-branded, comprehensive business report
• SWOT analysis
• Industry and competitive research
• Tailored strategic growth plan customized with insights to improve
operations and identify competitive advantages
STRATEGIC PRIORITY:
2.1 Strengthen public-private initiatives that attract, develop, and retain a
diversified business sector
2.3 Cultivate a business climate that welcomes entrepreneurship, encourages
investment, and supports high-quality job growth Draft
Community Redevelopment Agency Meeting Minutes December 1, 2025
Page 5 City of Clearwater
2.5 Facilitate partnerships with educational and research institutions to
enhance workforce development opportunities
3.1 Support neighborhood identity through programs that empower community
pride and belonging
Dr. Rojas and students provided a PowerPoint presentation.
In response to questions, Dr. Rojas said the data revealed six
restaurants were needed to create a destination. The ten-crate project
does not include a retail component right now. It is envisioned that each
crate houses a restaurant.
4.3 Downtown Revitalization
A monthly opportunity for CRA Trustees to exchange ideas and address
downtown related topics and priorities.
5. Director's Report 5.1 Director’s Report
CRA Executive Director Jesus Nino provided a PowerPoint presentation.
6. Adjourn
The meeting adjourned at 2:11 p.m.
Chair Community Redevelopment Agency
Attest
City Clerk Draft
Cover Memo
City of Clearwater Main Library - Council
Chambers
100 N. Osceola Avenue
Clearwater, FL 33755
File Number: ID#25-1340
Agenda Date: 1/12/2026 Status: Agenda ReadyVersion: 1
File Type: Action ItemIn Control: Community Redevelopment Agency
Agenda Number: 4.1
SUBJECT/RECOMMENDATION:
Present the 2025 Business Spotlight Winners.
SUMMARY:
On August 18, 2025, the CRA Trustees approved the continuation of the Business Spotlight Program to
highlight locally owned businesses within the Downtown Clearwater and North Greenwood CRA districts.
The program is intended to showcase businesses that contribute to economic vitality while strengthening
community identity and visibility within redevelopment areas.
For the 2025 program cycle, a total of nine businesses were selected as Standard and Legacy Business
Spotlight recipients. Legacy businesses are recognized for their long-term investment and sustained
presence within the CRA districts.
The selected Business Spotlight recipients, listed by featured month, include:
·Direct Mail 2.0 (Legacy) - February - Downtown Clearwater
·One Stop Shoppe (Legacy) - March - Downtown Clearwater
·New Vision Behavior Health - April - North Greenwood
·Tequila’s Restaurant (Legacy) - May - Downtown Clearwater
·Hatchet Hangout - June - North Greenwood
·Social Sips Café - July - Downtown Clearwater
·Soul Sicilian (Legacy) - August - Downtown Clearwater
·Downtown Pizza - September - Downtown Clearwater
·Emily’s Restaurant (Legacy) - October - Downtown Clearwater
Throughout the upcoming year, each business will be featured through coordinated marketing efforts
with Public Communications to include professional video, storytelling and digital promotion, to support
business retention, increase awareness, and reinforce district identity.
STRATEGIC PRIORITY:
2.1 Strengthen public-private initiatives that attract, develop, and retain diversified business sector.
3.1 Support neighborhood identity through services and programs that empower community pride and
belonging.
Page 1 City of Clearwater Printed on 1/6/2026
Cover Memo
City of Clearwater Main Library - Council
Chambers
100 N. Osceola Avenue
Clearwater, FL 33755
File Number: ID#25-1312
Agenda Date: 1/12/2026 Status: Agenda ReadyVersion: 1
File Type: Action ItemIn Control: Community Redevelopment Agency
Agenda Number: 4.2
SUBJECT/RECOMMENDATION:
Approve a loan from the CRA to Clearwater Bluffs LLC and a promissory note, in connection
with the approved funding contribution for the residential project on the Bluff.
SUMMARY:
On August 4, 2022, the City of Clearwater City Council (City Council) - subject to voter
approval - tentatively approved a purchase and sale agreement (PSA) with Gotham Property
Acquisitions, LLC (Gotham) and the DeNunzio Group, LLC (DeNunzio). The PSA
contemplated the sale of the city-owned old City Hall parcel, located at 112 S. Osceola
Avenue to Gotham for the construction of a new attached dwelling development project
(Project). On that same date, the City Council approved a development agreement relating to
both the old City Hall parcel and the separate Harborview parcel.
On February 1, 2024, the City Council approved a fourth amendment to the PSA that created
a new closing condition being a funding contribution from the CRA (Contribution) in either the
amount of $2,250,000.00 (if closing on the Old City Hall Site occurs after March 1, 2026) or in
the amount of $3,250,000.00 (if closing occurs on or before March 1, 2026). The amendment
to the PSA also provided that either the $2,250,00.00 will be disbursed at time of substantial
completion of the Project or the $3,250,000.00 will be disbursed at time of commencement of
construction of the Project. On March 18, 2024, the City of Clearwater Community
Redevelopment Agency Board of Trustees (Trustees) formally approved the Contribution.
On November 21, 2025, Gotham and DeNunzio assigned the PSA to Clearwater Bluffs LLC
(Clearwater Bluffs), a special purpose entity established by Gotham for the development of the
Project. Operating under the current framework, Gotham is working diligently toward closing.
Their general contractor, Moss, has already obtained all building permits necessary to
construct the Project.
In anticipation of closing, the City Attorney, City Manager, CRA Executive Director, and the
Gotham team have determined the preferred mechanism to fund the Contribution. On
December 4, 2025, the City Council approved a fifth amendment to the PSA providing that the
Contribution would be in the form of a loan with a promissory note to be approved by the
Trustees. The amount and timing of the Contribution’s disbursal remain unchanged. Once
the project is complete, the CRA shall discharge the loan. This change represents a win-win
for the CRA and Gotham. It protects the CRA by securing the funding with the Promissory
Note, while aligning the CRA interests with those of Gotham by requiring the CRA to
Page 1 City of Clearwater Printed on 1/6/2026
File Number: ID#25-1312
discharge the loan upon completion of the Project.
Therefore, to ensure the success of the Project and maximize tax savings, the CRA Executive
Director recommends converting the Contribution into a 30-year, nonrecourse deferred loan
taking the form of a promissory note.
APPROPRIATION CODE AND AMOUNT:
N/A
Page 2 City of Clearwater Printed on 1/6/2026
DOCUMENTARY STAMP TAXES IN THE AMOUNT OF $2,450.00 HAVE BEEN PAID IN CONNECTION WITH THE EXECUTION OF THIS NOTE AND HAVE BEEN REMITTED DIRECTLY TO THE FLORIDA DEPARTMENT OF REVENUE.
PROMISSORY NOTE
[$3,250,000.00 if Closing (as defined in the Contract) occurs Clearwater, Florida
on or before 3/1/2026 or $2,225,000.00 Effective as of _____________
if Closing (as defined in the Contract) occurs after 3/1/2026]
This Promissory Note (“Note”) is entered into this __ day of ___, 202__, by and between
CLEARWATER BLUFFS LLC, a Delaware limited liability company (the “Borrower”) whose mailing
address is 111 Fifth Ave., 9th Floor, New York, New York 10003 and Community Redevelopment Agency
of the City of Clearwater, Florida, a public body corporate and politic of the State of Florida (the “Lender”)
whose mailing address is P.O. Box 4748, Clearwater, FL 33758.
WITNESSTH
WHEREAS, pursuant to the terms and conditions of that certain Contract for Purchase of Real
Property dated August 15, 2022, made by and between The City of Clearwater, a municipal corporation
within the State of Florida (the “City”), Gotham Property Acquisitions, LLC (“Gotham”), and The
DeNunzio Group, LLC (“DeNunzio”), as amended and assigned (the “Contract”), Borrower has purchased
from the City that certain real estate as more particularly described in the Contract (“Property”);
WHEREAS, the Property is subject to that certain Development Agreement dated August 4, 2022,
by and between the City, Gotham and DeNunzio, and recorded as Instrument No. 2022252437 of the Public
Records of Pinellas County, Florida, as amended by that certain First Amendment to Development
Agreement dated June 6, 2024, and recorded as Instrument No. 2024151027, of the Public Records of
Pinellas County, Florida (collectively, “Development Agreement”);
NOW THEREFORE, in consideration of the mutual covenants and promises contained herein, and
other good and valuable consideration, the Borrower and Lender agree and covenant with each other as
follows:
1. GENERALLY
The foregoing recitals are true and correct and are incorporated in and form a part of this Note. Unless
otherwise defined, all capitalized terms used in this Note shall have the meaning ascribed in the
Development Agreement.
2. BORROWER’S PROMISE TO PAY
For value received, Borrower promises to pay to the order of the Lender the principal amount of [Three
Million Two Hundred Fifty Thousand Dollars and 00/100 Cents ($3,250,000.00) if Closing occurs on
or before 3/1/2026 or Two Million Two Hundred Fifty Thousand Dollars and 00/100 Cents
($2,225,000.00) if Closing occurs after 3/1/2026] in U.S. dollars (this amount is called “Principal”), or
so much thereof as is advanced from time to time by Lender to Borrower under the terms of the
MIADOCS 27783805 1
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Development Agreement and Contract. The Lender or anyone who takes this Note by transfer and who is
entitled to receive the value as evidenced by this Note is called the “Note Holder”, provided, however, that
in no event shall Lender be permitted to transfer this Note without the prior written consent of Borrower,
which may be granted or denied in Borrower’s sole discretion. This Note evidences the CRA funding
extended by Lender to Borrower pursuant to the terms of the Development Agreement and Contract.
The indebtedness evidenced by this Note is and shall be subordinate in right of payment to the prior payment
in full of the following indebtedness: (i) that certain promissory note secured by a mortgage
dated_______________, in the original principal amount of _____________________, made payable to
the order of Wells Fargo Bank, its successors and/or assigns (the “Bank”), executed and delivered by the
Borrower to the Bank, as the same may be modified, amended, restated from time to time, increased as to
the principal amount or refinanced(herein referred to as the “Construction Loan Note”); (ii) that certain
promissory note secured by a pledge of interest of the Borrower dated_______________, in the original
principal amount of _____________________, made payable to the order of Lionheart Capital, its
successors and/or assigns (the “Mezz Bank”), executed and delivered by the Borrower to the Mezz Bank,
as the same may be modified, amended, restated from time to time, increased as to the principal amount or
refinanced(herein referred to as the “Mezz Loan Note”); and (iii) any subsequent first position mortgage
financing. While the Property is subject to mortgage financing, in no event shall the Lender take any action
to enforce the terms of this note against the Borrower without the express written consent of the Bank,
Mezz Bank, and any other applicable lenders.
The indebtedness evidenced by this Note is subject to that certain: (i) Subordination Agreement dated
_________________ among Bank, Note Holder, as subordinate lender, and Borrower, as borrower (the
“Subordination Agreement”) and (ii) Subordination Agreement dated _________________ among Mezz
Bank, Note Holder, as subordinate lender, and Borrower, as borrower (the “Mezz Subordination
Agreement”) and shall be subordinate in right of payment to the extent and in the manner provided in the
Subordination Agreement and Mezz Subordination Agreement to the prior payment in full of the
indebtedness evidenced by the Construction Loan Note and Mezz Loan Note, as applicable. Each
subsequent holder of this Note shall be deemed, by virtue of such holder’s acquisition of the Note, to have
agreed to perform and observe all of the terms, covenants and conditions to be performed or observed by
“Subordinate Lender” under the Subordination Agreement and Mezz Subordination Agreement.
3. INTEREST
Interest on the principal amount outstanding under this Note shall compound annually and shall accrue at the
rate (the "Contract Rate") equal to the Mid-Term AFR (as defined below) for _____________ as set forth
by Internal Revenue Service (“IRS”) Revenue Ruling 2019-25. “Mid-Term AFR” means the mid-term
monthly applicable federal rate announced by the IRS pursuant to sections 7872 and 1274(d) of the Internal
Revenue Code of 1986, as amended, and the regulations promulgated pursuant thereto.
4. PAYMENTS
The loan evidenced by this Note is a thirty (30) year deferred payment loan with no payment required of
principal or interest until the 30th anniversary date of this Note, __________________ (the “Maturity
Date”).
The Borrower will not be required to make monthly payments. The loan is a deferred payment loan. On
the Maturity Date, the Borrower will forward the deferred lump sum payment of principal (and any interest
MIADOCS 27783805 1
3
thereon) to the City of Clearwater at P.O Box 4748, Clearwater, FL 33758, or at a different place if required
by the Note Holder. The Lender may, in its sole and absolute discretion, choose to forgive the loan
(including principal and any accrued interest thereon) on the Maturity Date. Notwithstanding the foregoing,
upon Borrower’s request, Lender shall be required to forgive the loan or convert the loan to a Development
Incentive Grant, which request may be made with respect to all or a portion of the amounts due under this
Note plus any accrued interest due at such date, if the following condition has been met: the City Hall
Project is Substantially Completed.
The indebtedness evidenced by this Note, and any other financial obligations which may hereafter be
imposed on Borrower by the Lender, is subordinate to the indebtedness specified in Section 1 and all other
indebtedness incurred by the Borrower without the need for a separate subordination instrument.
5. BORROWER’S RIGHT TO PREPAY
The Borrower has the right to prepay the balance due on this Note, in whole or in part, at any time without
premium or penalty (any such prepayment known as a “prepayment”). When a prepayment is made, the
Borrower must notify the Note Holder, in writing, that it is doing so. The Note Holder will use all
prepayments to reduce the amount of principal that is owed under this Note. If a partial prepayment is
made, there will be no change in the Maturity Date, unless the Note Holder agrees, in writing, to such
change.
6. LOAN CHARGES
If a law, which applies to this loan and which sets maximum loan charges, is finally interpreted so that the
interest or other loan charges collected in connection with this loan exceed the permitted limit, then any
sum already collected which exceeded permitted limits shall be credited as a payment of principal, unless
the undersigned shall notify the Note Holder, in writing, that the undersigned elects to have such excess
sum returned to it forthwith.
7. BORROWER’S FAILURE TO PAY AS REQUIRED
(A) Default
Except as otherwise provided in Section 4 above, if the full amount is not paid or forgiven by the Maturity
Date, the undersigned will be in default.
(B) Notice of Default
If the undersigned is in default, then after failure of the Borrower to cure a default within thirty (30) days
of written notice of a default under this Note, the Note Holder may send a written notice which advises that
the full principal amount, including any interest that may accrue (as defined in Sections 2 and 3 above), is
due and payable by a certain date. That date must be at least thirty (30) days after the date on which the
notice is delivered or mailed.
(C) No Waiver By Note Holder
The remedies of the Note Holder, as provided herein shall be cumulative and concurrent and may be pursued
regularly, successively, or together, at the sole discretion of the Note Holder, and may be exercised as often
MIADOCS 27783805 1
4
as occasion therefore shall arise. No act or omission or commission of the Note Holder, including
specifically any failure to exercise any right, remedy or recourse, shall be deemed to be a waiver or release
of the same, such waiver or release to be affected only through a written document executed by the Note
Holder, and then only to the extent specifically recited therein. A waiver or release with reference to any
one event shall not be construed as continuing as a waiver or release of any subsequent right, remedy, or
recourse as to a subsequent event. Even if, at a time when the undersigned is in default, the Note Holder
does not require payment in full, as described above, the Note Holder will still have the right to do so if a
default occurs at a later time.
(D) Payment of Note Holder’s Costs and Expenses
In the event the Note is collected through enforcement by law or through an attorney at law, or under advice
therefrom, the Note Holder will have the right to be paid back for all of its costs and expenses in enforcing
this Note to the extent not prohibited by applicable law. Those expenses include, for example, reasonable
attorney’s fees, which are defined to include, without limitation, all fees incurred in all matters of collection
and enforcement, construction and interpretations, before, during and after trial, proceedings and appeals,
as well as appearances in reorganization or similar proceedings, and the cost of paraprofessional personnel
working under supervision of an attorney.
8. GIVING OF NOTICES
All notices provided for herein shall be sent by certified or registered return receipt requested mail, or by a
nationally recognized overnight courier, addressed to the appropriate party at the address designated for
such party in the preamble to this Note, or such other address as the party who is to receive such notice may
designate in writing. Notice by mail shall be completed by depositing the same in a letterbox or other
means provided for the posting of mail addressed to the party with the proper amount of postage affixed
thereto. Actual receipt of notice shall not be required to effect notice hereunder. Notices sent by a nationally
recognized overnight courier service shall be deemed delivered the next business day after deposit with
such courier unless the records of such courier indicate a later delivery in which case the notice shall be
deemed received on the date of delivery. Copies of all notices sent to Borrower under this Note shall be
provided to c/o Bryan Kelly, 432 Park Avenue South, Second Floor, New York, NY 10016.
9. OBLIGATIONS OF PERSONS UNDER THIS NOTE
If more than one person signs this Note, each person is fully and personally obligated to keep all of the
promises made in this Note, including the promise to pay the full amount owed. Any person who is a
guarantor, surety or endorser of this Note is also obligated to do these things. Any person who takes over
these obligations, including the obligations of a guarantor, surety or endorser of this Note, is also obligated
to keep all of the promises made in this Note. The Note Holder may enforce its rights under this Note
against each person individually or against all of us together. This means that any one of the persons signing
this Note may be required to pay all of the amounts owned under this Note.
10. WAIVERS
All persons now or at any time liable, whether primarily or secondarily, for the payment of the indebtedness
hereby evidenced, for themselves, their heirs, legal representatives, successors and assigns respectively,
hereby (a) expressly waive the rights of presentment, demand for payment, notice of dishonor, protest,
notice of nonpayment or protest, and diligence in collection. “Presentment” means the right to require the
MIADOCS 27783805 1
5
Note Holder to demand payment of amounts due. “Notice of Dishonor” means the right to require the Note
Holder to give Notice to other persons that amounts due have not been paid. (b) consent that the time of
all payments or any part thereof may be extended, rearranged, renewed or postponed by the Note Holder
hereof and further consent that the collateral security or any part thereof may be released, exchanged, added
to or substituted for by the Holder hereof, without in anyway modifying, altering, releasing, affecting or
limiting their respective liability or the lien of any security instrument; (c) agreed that the Note Holder, in
order to enforce payment of this Note, shall not be required first to institute any suit or to exhaust any of its
remedies against the undersigned or any other person or party to become liable hereunder. This Note and
the instruments securing it have been executed and delivered in, and their terms and provisions are to be
governed and construed by the laws of the State of Florida.
11. If more than one party shall execute this Note, the term “undersigned”, as used herein, shall mean
all parties signing this Note and each of them, who shall be jointly and severally obligated hereunder. In
this Note, whenever the context so requires, the neuter gender includes the feminine and/or masculine, as
the case may be, and the singular number includes the plural.
12. COPY RECEIVED
Borrower hereby acknowledges receipt of a copy of this instrument.
13. NONRECOURSE OBLIGATION
The obligations and liability of Borrower for payment of principal, interest and any charges under this Note
shall be enforced solely against the Borrower. Notwithstanding anything to the contrary, Borrower, its
members, partners, officers, and/or directors, shall not be personally liable for the payment or satisfaction
of such sums.
Notice to Borrower
Do not sign this Note if it contains blank
spaces. All spaces should be completed before you sign.
[SIGNATURE PAGE FOLLOWS]
MIADOCS 27783805 1
6
21652437v9
[SIGNATURE PAGE TO PROMISSORY NOTE] IN WITNESS WHEREOF, this Note has been duly signed by the Borrower on this ____ day of__________________, 202__.
BORROWER:
CLEARWATER BLUFFS LLC, a Delaware
limited liability company.
By:
Name: _________________________________
Title: __________________________________
STATE OF _____________
COUNTY OF __________
The foregoing instrument was acknowledged before me by means of [_] physical presence or [_]
online notarization this ____ day of __________, 202__, by ____________ as ___________________of
Clearwater Bluffs LLC, a Delaware limited liability company, on behalf of the limited liability company.
(NOTARY SEAL) ______________________________
Name:
Personally Known _______ OR Produced Identification _______
Type of Identification Produced ___________________________
Cover Memo
City of Clearwater Main Library - Council
Chambers
100 N. Osceola Avenue
Clearwater, FL 33755
File Number: ID#25-1326
Agenda Date: 1/12/2026 Status: Agenda ReadyVersion: 1
File Type: Action ItemIn Control: Community Redevelopment Agency
Agenda Number: 4.3
SUBJECT/RECOMMENDATION:
Approve the amendments to the Downtown Clearwater Commercial Grant.
SUMMARY:
The Downtown Clearwater Commercial Grant Program has been updated to improve clarity,
consistency, and transparency. Changes or amendments to any policy or program are not official
without trustee approval.
Recommended changes:
·Table of Contents - Section 2 (pp. 1-3): Corrected typographical errors, removed duplications,
standardized terminology, and clarified numbering.
·Section 3 - Available Assistance (pp. 3-4): Clarified CRA Director authority, grant thresholds, and
applicant match percentages to ensure consistency and transparency.
·Section 4 - Eligible Property and Applicant (pp. 4-6): Defined eligible applicants, clarified
independent ownership/operation requirements, excluded ineligible properties and mobile vendors, and
clarified cumulative grant caps over 12 months.
·Section 5 - Eligible Improvements (pp. 6-7): Clarified eligible restaurant fixtures and equipment (cap
$7,500), removed entertainment and outdoor café furniture, and added retroactive reimbursement for
approved improvements completed within 8 months prior to application submittal.
·Section 6 - Requirements, Reviews, & Approval Process (pp. 7-9): Removed redundancy and
corrected numbering/format errors.
·Section 7 - Disbursement Policy and Procedure (pp. 9-10): Clarified documentation required for
disbursement, including proof of payment, contractor information, photographs, permits, inspections, and
Certificate of Occupancy/Completion. Work performed without required permits is ineligible.
·Section 11 - Application (pp. 11-13): Added Local Historic Landmark, updated Project Budget
(Attachment A) including verified owner equity, and deleted Notary section.
These recommendations enhance clarity and readability, reduce applicant confusion, ensure the
effective targeting of grant funds, increase transparency, and safeguard CRA resources.
APPROPRIATION CODE AND AMOUNT:
Funds for the program are available in R2003- Economic Development-City
STRATEGIC PRIORITY:
2.1 Strengthen public-private initiatives that attract, develop, and retain diversified business sectors.
2.2 Cultivate a business climate that welcomes entrepreneurship, inspires local investment, supports
Eco-friendly enterprises, and encourages high-quality job growth.
2.3 Promote Clearwater as a premier destination for entertainment, cultural experiences, tourism, and
national sporting events.
3.1 Support neighborhood identity through services and programs that empower community pride and
belonging.
Page 1 City of Clearwater Printed on 1/6/2026
COMMERCIAL GRANT
PROGRAM
&
APPLICATION FORM
City of Clearwater Community Redevelopment Agency
Downtown Community Redevelopment Area
1
Commercial Grant Program & Application Form
Approved by the CRA Trustees on August 12, 2024.
TABLE OF CONTENTS
SECTION 1 – PROGRAM OVERVIEW ........................................................................................................ 2
SECTION 2 – PURPOSE AND INTENT ....................................................................................................... 2
SECTION 3 – AVAILABLE ASSISTANCE .................................................................................................... 3
SECTION 4 – ELIGIBLE PROPERTY AND APPLICANT ............................................................................ 4
SECTION 5 – ELIGIBLE IMPROVEMENTS ................................................................................................. 5
SECTION 6 – REQUIREMENTS, REVIEW & APPROVAL PROCESS ....................................................... 6
SECTION 7 – DISBURSEMENT POLICY AND PROCEDURE ................................................................... 8
SECTION 8 – GRANT EXPIRATION ............................................................................................................ 8
SECTION 9 – ALTERATIONS AND MAINTENANCE .................................................................................. 9
SECTION 10 – COMPLIANCE WITH THE CITY OF CLEARWATER ETHICS CODE ................................ 9
SECTION 11 – APPLICATION ................................................................................................................... 10
SECTION 12 – ATTACHMENT A – PROJECT BUDGET .......................................................................... 13
SECTION 13 – ELIGIBLE CRA AREA MAP ............................................................................................... 14
2
COMMERCIAL GRANT PROGRAM
SECTION 1 – PROGRAM OVERVIEW
The Downtown Commercial Grant Program (Program) offers varying levels of support and
addresses both short and long-term challenges that commercial stakeholders have experienced
in the Clearwater Downtown Redevelopment Area (DTCRA). This program aims to reduce blight
and activate commercial spaces with uses that aspire to generate creative and innovative
gathering spaces, walkable pedestrian thoroughfares, and increased overall activity.
SECTION 2 – PURPOSE AND INTENT
The purpose of the Program is to support the implementation of the adopted Community
Redevelopment Area Plan (Plan) for the Clearwater Downtown Community Redevelopment
Area in accordance with the Florida Community Redevelopment Act of 1969. Sections 163.330,
et seq., Florida Statutes, by:
1. Downtown shall be a place that attracts residents, visitors, businesses, and their
employees and enable the development of community. The City shall encourage a
vibrant and active public realm, recreation and entertainment opportunities and support
the community and neighborhoods. (People Goals, page 46)
Objective 1E: Maintain Cleveland Street as Downtown’s Main Street which is
valued for its historic character and pedestrian scale.
Objective 1D: Encourage a variety of office-intensive businesses, including
finance and insurance, IT/software, professional services and medical to relocate
and expand in Downtown to provide a stable employment center.
2. Downtown will be a memorable place to be enjoyed that is enhanced by Clearwater’s
waterfront location, natural resources, built environment and history. (Amenity Goal,
page 47)
Objective 3G: Create and activate space to work as signature destination,
including civic plazas, markets and retail gathering places that promote economic
growth for Downtown. (page 48)
3. Downtown will be a dynamic built environment of dense and livable patterns and active
and attractive streets through quality urban design and architecture. (Urban Design
Goals, page 48)
Objective 4A: Encourage redevelopment that contains a variety of building
forms and style.
Objective 4D: Encourage renovation, restoration, and reuse of existing historic
structures to maintain the character of Downtown’s neighborhoods.
4. Creating value for the Downtown Community Redevelopment Area by (themes stressed
throughout the Plan):
3
a. Promoting a business, consumer, family and resident friendly atmosphere;
b. Creating more dining, retail, and entertainment opportunities;
c. Creating additional employment opportunities;
d. Promoting infill and adaptive reuse of properties;
e. Incentivizing property owners to enhance the value of their respective properties;
f. Encouraging private investment in the improvement of commercial properties;
g. Reducing vacancies in commercial buildings; and
h. Increasing the functionality of existing buildings.
It is the intent of this Program to attract or improve the following types of businesses in the
CRA (not limited to the following):
Retail;
Restaurants and food services (e.g., full-service sit-down restaurants, fast food
restaurants, buffet or cafeteria restaurants, coffeehouse/shops with food component,
cafes, bistros, delicatessens, bakeries, grocery stores, etc.);
Micro-brewery;
Personal services (e.g., barber, salons, beauty shops, tailors, childcare, etc.);
Art studios and galleries;
Co-working space; and
Professional offices (financial services, IT/software, medical, etc.).
This Program is designed to help Downtown Clearwater thrive as the urban core and heart
of the City, as the center of business and government, and as an attractive place to live,
work, shop and play. (Ch. 3, Vision, pg. 44)
In addition, it is the intent of this Program to incentivize improvements to the area that go
beyond what is required by the City’s development codes to enhance the form, function,
and design quality of the redevelopment area. It is not the intent of the CRA to engage in
any rehabilitation activity that requires vacating property or displacing any business
establishments or residents from property. Moreover, it is not the intent of this Program to
assist in the development of new construction projects on vacant land. Rather, it is to
rehabilitate and enhance area commercial structures exhibiting deterioration and decline.
SECTION 3 – AVAILABLE ASSISTANCE
Grants shall be awarded on a first-qualified, first-awarded basis while funds are available. The
Program provides matching, as specified below in Levels 1 through 4, grant funding to assist
applicants with improvements to commercial properties. Grants may be awarded to property
owners and for-profit business owners/commercial tenants for exterior and interior improvements
to commercial property within the DTCRA. The grant is primarily a reimbursement grant to the
Applicant. However, the CRA Director may allow initial project deposits or other necessary draws,
up to fifty percent (50%) of the grant amount, to be paid directly to the applicant. Below is the
level of funding and reimbursement percentage for the total eligible grant expenditures.
Level 1 – Up to $50,000. and under (Requires a 25% match of total project costs by the
applicant)
Administrative approval.
Award letter and Grant Agreement.
4
Level 2 – $ More than $50.000 up to $150,000. (Requires a 35% match of total project costs
by the applicant)
Administrative approval up to $100,000.
Applicants must supply proof of a lease, or other acceptable documentation, that identifies
at least a minimum of a three-year term for tenant/business occupying or will occupy the
improved space.
CRA Trustee Approval required for Grants exceeding $100,000..
Award letter and Grant Agreement.
Level 3 – More than $150,000. up to $500,000. (Requires a 45% match of total project costs
by the applicant)
Staff recommendation.
Applicants must supply proof of a lease, or other acceptable documentation, that identifies
at least a minimum of a five-year term for tenant/business occupying or will occupy the
improved space.
CRA Trustee approval.
Award letter and Grant Agreement.
Level 4 – More than $500,000is considered a special project and may require submittal
requirements/documentation above and beyond what is described in this Program.
Staff recommendation.
CRA Trustee approval.
Applicants must supply proof of a lease(s), or other acceptable documentation, that
identifies at least a minimum of a five-year term for tenant/business occupying or will
occupy the improved space.
Award letter, Grant Agreement, Mandatory Reporting.
Other – Special Terms and Conditions.
SECTION 4 – ELIGIBLE PROPERTY AND APPLICANT
To be eligible for the Program, the Applicant must meet all the following qualifications:
Must be:
o A property owner that is leasing commercial space to a for-profit business;
o A property owner that occupies or intends to occupy the property as a for-profit
business; or
o A for-profit business leasing space from a property owner.
The business must be an allowable use on the subject property in accordance with the City’s
Community Development Code among other applicable codes.
Must be current in all property taxes and City of Clearwater business fees.
Must be in good standing with the city (no outstanding code enforcement or building code
violations). This requirement may be waived by the CRA Director if the work proposed under
this application will remediate all code violations.
Property must be free of code enforcement liens or other City liens.
The business or new proposed business on the property must be an independently-owned
and operated local business.
If the business is an independently owned and operated franchise, other franchise locations
associated with the same brand must ONLY be located within the municipal boundary of the
city.
5
o The owner of the property shall be the applicant, unless the Owner authorizes a for-profit
business owner occupying the property by a valid lease to undertake improvements on
the property. Owner of property (“Owner”) means a holder of any legal or equitable estate
in the property, whether alone or jointly with others and whether in possession or not shall
include all individuals, associations, partnerships, corporations, limited liability companies
and others who have interest in a structure and any who are in possession or control
thereof as agent of the owner, as executor, administrator, trustee, or guardian of the estate
of the owner. Owners that are NOT leasing commercial space to nor can be classified as
for-profit businesses shall be ineligible for grant funding assistance under this program.
Mobile vendors are also ineligible for assistance.
o The total CRA grant value that an Owner has received over such period shall be the
combined value, in the 12 month period immediately preceding the submission of an
application for this program, of: (1) the amount of CRA grant funds that the applicant has
received; (2) the amount of CRA grant funds that any holder of legal title in the subject
property other than the applicant has received; and (3) if a business entity holds legal title
in the subject property, the total amount of CRA grant funds received by any directors,
members, partners, shareholders, any others with an ownership interest in such entity,
and any others able to exert managerial control over or direct the affairs of said entity.
SECTION 5 – ELIGIBLE IMPROVEMENTS
The following improvements or related items may be eligible for Program assistance:
Interior Improvements:
1) Any fixed interior leasehold improvements to commercial space;
2) Electrical/plumbing upgrades and utility connections;
3) Grease traps/interceptors;
4) Venting, HVAC, mechanical systems, and water heaters;
5) Sprinkler/fire suppression systems, firewalls, life safety improvements;
6) Certain fixed solid waste and recycling management systems;
7) American with Disabilities Act (ADA) systems;
8) Internal structural stabilization systems (e.g., repair and replacement of load bearing walls,
columns, beams/girders, joist, etc.);
9) Interior walls (including drywall), ceilings, floors, doors, and molding;
10) Interior paint;
11) Wall insulation;
12) Certain permanent bathroom and kitchen counter tops, cabinets, sinks;
13) Restaurant fixtures or other essential equipment up to a maximum of $7,500.00 (purchase
or repair)
14) Interior historical restoration; or
15) Other permanent improvements may be submitted for consideration but must demonstrate
that the improvement meets the intent of this grant program.
Exterior Improvements:
1) Any fixed exterior leasehold improvements to commercial space;
2) The repair of exterior walls;
3) Roof repairs or replacement, including facia board, soffits, and gutters;
4) Decorative fencing;*
5) Exterior painting; (including murals)
6
6) Exterior windows and/or doors;
7) Exterior signage;
8) Awnings or canopies over windows or walkways, including shutters, seating areas;
9) The installation, repair, or renovation of porches, patios, plazas;
10) The installation, repair, or renovation of pathways and sidewalks;**
11) The installation of decorative lighting, and security lighting;
12) Parking area and driveway improvements;
13) Stormwater drainage improvements for properties with a history of flooding;
14) Bicycle racks, shade areas, benches, or other pedestrian amenities;
15) Certain Crime Prevention Through Environmental Design (CPTED) ?
16) ADA accessibility improvements;
17) The removal of deteriorated or undesirable exterior alterations;
18) The installation of landscaping and irrigation systems, not to exceed twenty percent (20%)
of the total grant amount; or
19) Other permanent improvements may be submitted for consideration but must demonstrate
that the improvement meets the intent of this grant program.
*Chain link fencing, with or without slats, wooden stockade, board on board, and wooden picket
fencing are not eligible for the Program.
**Not city right-of-way or property
Other Eligible Items:
1) Predevelopment Costs (permit, architectural, and engineering fees among other
comparable fees as approved by CRA Director) up to $10,000.00.
2) Past site or building improvements that were completed up to eight months prior to
submittal of an application.
a. Only improvements listed in the itemized budget submitted as part of the
application will be considered for approval.
The following are ineligible for assistance:
1) Past site or building improvements that were completed more than eight months prior to
submittal of an application .
2) Properties not occupied or intended to be occupied by a for-profit business.
3) Second floor and above renovations unless part of or tied to a ground floor business and
verifiable proof is provided that second floor, or above floors, improvements will enhance
a ground floor business. (excluding roof renovations and repairs)
4) Assistance to businesses located in residential homes.
5) Repairs to unsafe or substandard structures that cannot be made safe for tenant
occupancy with Program funds.
6) Repairs covered by insurance.
7) Non-permanent improvements, except for items expressly stated as allowed in this
Program.
8) Installation of window or door security bars.
9) Any fixed exterior or interior leasehold prohibited improvements to commercial space.
10) Refinancing existing debts, business operational cost, payroll, etc.
SECTION 6 – REQUIREMENTS, REVIEW & APPROVAL PROCESS
7
1) All statements and representations made in the application must be true and correct in all
material respects when made.
2) Applicants must schedule an appointment with the Community Redevelopment Agency
Department staff prior to applying. The Community Redevelopment Agency Department
(Department) is located at 600 Cleveland Street, Suite 600, Clearwater, Florida 33755.
To schedule an appointment, contact staff at 727-562-4039. Applications will be received
on an ongoing basis.
3) A copy of a fully executed lease agreement, and notarized copy of the Owners’ Affidavit
form, including property description and property address. If the forms are prepared and
signed by a representative of the Owner, a legal Power-of-Attorney document must be
submitted with the application.
4) Applicants must submit, as part of the application, concept plans, design plans and
floorplan accurately delineating the square footage of the improvement area within the
commercial structure.
5) Digital photographs of the existing structure, interior and exterior, must be provided with
application.
6) Work required to be performed by licensed contractors. Applicant must provide, as
attachments, three quotes from contractors and copies of their licenses. Quotes to
include complete description of materials to be used.
7) Portions of the project costs not funded by the requested grant must be provided by
Applicant funding. Applicant funding may consist of bank loans, lines of credit, other
grants, and owned assets (Equity), etc.
8) Applicant must demonstrate their source of the Applicant Funding and their ability to meet
the financial obligations of the Program.
9) Proceeds from other City-managed financial assistance programs may be used as
Applicant Equity to satisfy the Applicant Funding requirements of this Program and may
be used to assist with funding of remaining portion of larger improvement project. Grant
funds cannot be used as Equity to satisfy the Applicant Funding requirements of other
City-managed financial assistance programs.
10) Staff will review the application for completeness, which includes all required attachments
and requested data. A post-application submittal conference will be held with the Applicant
to discuss any issues or deficiencies with the application.
11) Incomplete applications will not be considered submitted until all required documentation
has been submitted to Community Redevelopment Agency Department staff. Submittal of
an application does not guarantee a grant award.
12) The Applicant will be required to obtain quotes/estimates from licensed contractors/design
professionals for eligible improvements and submit said quotes/estimates as part of the
grant application submission.
8
13) All construction/design contracts will be between the Applicant and the contractor or
design professional.
14) Applicants may combine adjacent parcels, buildings and/or individual storefronts within a
building to create one grant request.
SECTION 7 – DISBURSEMENT POLICY AND PROCEDURE
Grant funds will, unless otherwise approved by the CRA Director to allow initial project deposits
or other necessary draws, up to fifty percent of the grant amount, to be paid directly to a City/CRA
approved licensed contractor/vendor, be disbursed upon a “Finding of Project Completion” by
CRA Director. A “Finding of Project Completion” will be granted when the following criteria are
met:
1) Requests for disbursement of project costs will be viewed as a single, completed package,
unless prior disbursement of funds arrangements have been made to pay licensed
contractors directly (no more than one payment within a 30-day period). Costs not included
in the approved application budget will not be considered for disbursement.
2) To receive disbursement of project costs, the Applicant must provide:
1. Proof of Payment:
o Copies of cancelled checks, certified checks, money orders, or credit card
statements showing payment of project costs; and
o Detailed invoices and paid receipts that are signed, dated, and marked “paid
in full.”
2. Project Information:
o Name, address, and telephone number of design professionals, general
contractors, and other vendors involved.
3. Photographs:
o Before and after photos of the project.
4. Permits and Approvals:
o Copies of all required permits (e.g. zoning, building) and evidence of passing
all required inspections.
o If applicable, a Certificate of Occupancy or Certificate of Completion
demonstrating legal occupancy of the project area.
Note: Any work performed without a required permit will not be eligible for grant funding.
3) The CRA disburses funds to grant recipients within 30 days of fully completed
reimbursement request.
SECTION 8 – GRANT EXPIRATION
Applicants must receive a “Certificate of Occupancy or Certificate of Competition” within 365
calendar days from the date of the executed grant agreement. After the said 365 days, the grant
will expire. An extension for the grant funds may be granted by the CRA Director for a good cause.
It is the responsibility of the Applicant to request an extension of the grant approval before the
expiration date.
9
SECTION 9 – ALTERATIONS AND MAINTENANCE
The improvements will be maintained in accordance with City policies, codes and any other
applicable requirements identified by the City, CRA, or other agencies for a period not less than
three years, or upon written approval by CRA Director.
SECTION 10 – COMPLIANCE WITH THE CITY OF CLEARWATER ETHICS CODE
The applicant will comply with all applicable City rules and regulations including the City's Ethics
Codes. Moreover, each applicant to the Program acknowledges and understands that the City's
Ethics Code prohibit City employees from receiving any benefit, direct or indirect, from any
contract or obligation entered with the City.
10
SECTION 11 – APPLICATION
COMMERCIAL GRANT PROGRAM
Please circle if you are the: Property Owner Business Owner
1) Applicant/Name of Business
Entity Name (matches Sunbiz)
Full Legal Name and Title (matches Sunbiz)
Mailing Address:
City/State/Zip:
Phone Number: E-mail Address:
Web Site (if available):
Lease Term (if applicable): N/A
If applicant is not the property owner, please fill out section 2
2) Authorized Agent (If applicable)
Entity Name (if any):
Full Legal Name and Title (if any):
Mailing Address:
City/State/Zip:
Phone Number: E-mail Address:
3) Subject Property/Location of Proposed Project
Address commonly known as:
Parcel Identification Number(s):
Property is designated as a Local Historic Landmark: Yes ___ No ___ if yes please
provide documentation.
4) Project description (including business name, tenant description, type of business,
proposed hours of operation, proposed opening date or proposed project
completion date), scope of work to be performed, project schedule, sketch plans
and specifications detailing the scope of work (provide attachment if needed).
Applicant understands that depending on the project, certain City Departments
may require additional documentation, plans, etc. to properly review and approve
the proposed project described in this application.
Case Number:
11
5) Describe existing uses and conditions on the property (include photographs as
attachments):
6) Financial Disclosure
Amount of Grant Requested: $
Project Budget – Sources/Uses of Funds (complete Attachment A: Project Budget)
Applicant’s Funding verified by
staff
Grant Request: $
Total Project Funding: $
My Property Is up to date with taxes, fees, and complies with City codes and regulations:
Yes____ No ____
If the Applicant has received loan or grant assistance from a city-managed financial
assistance program for a project at this address, please specify the program(s) and the
loan/grant amount(s).
1. $
2. $
PLEASE NOTE: Grants are awarded on a first come, first qualified basis until funds have
been depleted.
12
I UNDERSTAND THAT IN ORDER FOR MY REQUEST FOR GRANT FUNDING TO BE
APPROVED, I MUST AGREE TO THE FOLLOWING CONDITIONS:
1) To adhere to the application procedures and guidelines as specified.
2) That additional improvements or changes not approved in the original grant application
will not be funded by the CRA.
3) That disbursement of grant funds will only occur after:
a) All improvements have been completed or as otherwise approved by the CRA Director;
b) Inspections of the improvements are approved by the appropriate City Officials or other
required authorities, if any; and
c) Proof of payment, as described in this document, for project costs approved in the
grant application.
I ACKNOWLEDGE THAT I HAVE RECEIVED AND UNDERSTAND THE GRANT GUIDELINES
HEREIN ABOVE STATED. IN ADDITION, BY EXECUTING THIS APPLICATION, I
ACKNOWLEDGE THAT I AM LAWFULLY AUTHORIZED TO EXECUTE THIS APPLICATION.
Mail or hand deliver completed application form to:
Community Redevelopment Agency
City of Clearwater / 600 Cleveland Street, Suite 600 / Clearwater, FL 33755
For question call the Community Redevelopment Department at 727-562-4039.
13
SECTION 12 – ATTACHMENT A PROJECT BUDGET
Attachment A - Project Budget Form
(Attach contractor/vendor estimates/quotes for consistency verification of items listed below. Contractor/vendor estimates/quotes
improvement item descriptions and cost will supersede if improvement item descriptions and cost are listed different below. If more
project budget form lines are need, Applicant may duplicate budget template below on separate sheet. If new Project Budget Form
is created, write “See Attached” in Line No. 1 below.)
For Applicant Use For staff use only
Line
Item No.
Improvement(s) Item Description
(Including construction materials, labor,
permitting, other fees, etc.)
Improvement(s)
Cost Amount
Line Item Eligible for
Grant Consideration
Yes/No
Cost Amount
Eligible for
Grant (%)
1 $ $
2 $ $
3 $ $
4 $ $
5 $ $
6 $ $
7 $ $
8 $ $
9 $ $
10 $ $
11 $ $
12 $ $
13 $ $
14 $ $
15 $ $
16 Architecture and Engineering fees $ $
17 $ $
Total Improvement(s) Cost Amount $
Total Cost Amount
Eligible for Grant
Consideration
$
14
SECTION 13 – ELIGIBLE CRA AREA MAP
Authorized Signature: Date:
COMMERCIAL GRANT
PROGRAM
&
APPLICATION FORM
City of Clearwater Community Redevelopment Agency
Downtown Community Redevelopment Area
1
Commercial Grant Program & Application Form
Approved by the CRA Trustees on August 12, 2024.
TABLE OF CONTENTS
SECTION 1 – PROGRAM OVERVIEW ........................................................................................................ 2
SECTION 2 – PURPOSE AND INTENT ....................................................................................................... 2
SECTION 3 – AVAILABLE ASSISTANCE .................................................................................................... 3
SECTION 4 – ELIGIBLE PROPERTY AND APPLICANT ............................................................................ 4
SECTION 5 – ELIGIBLE IMPROVEMENTS ................................................................................................. 5
SECTION 6 – REQUIREMENTS, REVIEW & APPROVAL PROCESS ....................................................... 6
SECTION 7 – DISBURSEMENT POLICY AND PROCEDURE ................................................................... 8
SECTION 8 – GRANT EXPIRATION ............................................................................................................ 8
SECTION 9 – ALTERATIONS AND MAINTENANCE .................................................................................. 9
SECTION 10 – COMPLIANCE WITH THE CITY OF CLEARWATER ETHICS CODE ................................ 9
SECTION 11 – APPLICATION ................................................................................................................... 10
SECTION 12 – ATTACHMENT A – PROJECT BUDGET .......................................................................... 13
SECTION 13 – ELIGIBLE CRA AREA MAP ............................................................................................... 14
2
COMMERCIAL GRANT PROGRAM
SECTION 1 – PROGRAM OVERVIEW
The Downtown Commercial Grant Program (Program) offers varying levels of support and
addresses both short and long-term challenges that commercial stakeholders have experienced
in the Clearwater Downtown Redevelopment Area (DTCRA). This program aims to reduce blight
and activate commercial spaces with uses that aspire to generate creative and innovative
gathering spaces, walkable pedestrian thoroughfares, and increased overall activity.
SECTION 2 – PURPOSE AND INTENT
The purpose of the Program is to support the implementation of the adopted Community
Redevelopment Area Plan (Plan) for the Clearwater Downtown Community Redevelopment
Area in accordance with the Florida Community Redevelopment Act of 1969. Sections 163.330,
et seq., Florida Statutes, by:
1. Downtown shall be a place that attracts residents, visitors, businesses, and their
employees and enable the development of community. The City shall encourage a
vibrant and active public realm, recreation and entertainment opportunities and support
the community and neighborhoods. (People Goals, page 46)
Objective 1E: Maintain Cleveland Street as Downtown’s Main Street which is
valued for its historic character and pedestrian scale.
Objective 1D: Encourage a variety of office-intensive businesses, including
finance and insurance, IT/software, professional services and medical to relocate
and expand in Downtown to provide a stable employment center.
2. Downtown will be a memorable place to be enjoyed that is enhanced by Clearwater’s
waterfront location, natural resources, built environment and history. (Amenity Goal,
page 47)
Objective 3G: Create and activate space to work as signature destination,
including civic plazas, markets and retail gathering places that promote economic
growth for Downtown. (page 48)
3. Downtown will be a dynamic built environment of dense and livable patterns and active
and attractive streets through quality urban design and architecture. (Urban Design
Goals, page 48)
Objective 4A: Encourage redevelopment that contains a variety of building
forms and style.
Objective 4D: Encourage renovation, restoration, and reuse of existing historic
structures to maintain the character of Downtown’s neighborhoods.
4. Creating value for the Downtown Community Redevelopment Area by (themes stressed
throughout the Plan):
3
a. Promoting a business, consumer, family and resident friendly atmosphere;
b. Creating more dining, retail, and entertainment opportunities;
c. Creating additional employment opportunities;
d. Promoting infill and adaptive reuse of properties;
e. Incentivizing property owners to enhance the value of their respective properties;
f. Encouraging private investment in the improvement of commercial properties;
g. Reducing vacancies in commercial buildings; and
h. Increasing the functionality of existing buildings.
It is the intent of this Program to attract or improve the following types of businesses in the
CRA (not limited to the following):
Retail;
Restaurants and food services (e.g., full-service sit-down restaurants, fast food
restaurants, buffet or cafeteria restaurants, coffeehouse/shops with food component,
cafes, bistros, delicatessens, bakeries, grocery stores, etc.);
Micro-brewery;
Personal services (e.g., barber, salons, beauty shops, tailors, childcare, etc.);
Art studios and galleries;
Co-working space; and
Professional offices (financial services, IT/software, medical, etc.).
This Program is designed to help Downtown Clearwater thrive as the urban core and heart
of the City, as the center of business and government, and as an attractive place to live,
work, shop and play. (Ch. 3, Vision, pg. 44)
In addition, it is the intent of this Program to incentivize improvements to the area that go
beyond what is required by the City’s development codes to enhance the form, function,
and design quality of the redevelopment area. It is not the intent of the CRA to engage in
any rehabilitation activity that requires vacating property or displacing any business
establishments or residents from property. Moreover, it is not the intent of this Program to
assist in the development of new construction projects on vacant land. Rather, it is to
rehabilitate and enhance area commercial structures exhibiting deterioration and decline.
SECTION 3 – AVAILABLE ASSISTANCE
Grants shall be awarded on a first-qualified, first-awarded basis while funds are available. The
Program provides matching, as specified below in Levels 1 through 4, grant funding to assist
applicants with improvements to commercial properties. Grants may be awarded to property
owners and for-profit business owners/commercial tenants for exterior and interior improvements
to commercial property within the DTCRA. The grant is primarily a reimbursement grant to the
Applicant. However, the CRA Director may allow initial project deposits or other necessary draws,
up to fifty percent (50%) of the grant amount, to be paid directly to the applicant. Below is the level
of funding and reimbursement percentage for the total eligible grant expenditures.
Level 1 – Up to $50,000 and under (Requires a 25% match of total project costs by the
applicant)
Administrative approval.
Award letter and Grant Agreement.
4
Level 2 – $ More than $50,000 up to $150,000 (Requires a 35% match of total project costs
by the applicant)
Administrative approval up to $100,000.
Applicants must supply proof of a lease, or other acceptable documentation, that identifies
at least a minimum of a three-year term for tenant/business occupying or will occupy the
improved space.
CRA Trustee Approval required for Grants exceeding $100,000..
Award letter and Grant Agreement.
Level 3 – More than $150,000 up to $500,000 (Requires a 45% match of total project costs
by the applicant)
Staff recommendation.
Applicants must supply proof of a lease, or other acceptable documentation, that identifies
at least a minimum of a five-year term for tenant/business occupying or will occupy the
improved space.
CRA Trustee approval.
Award letter and Grant Agreement.
Level 4 – More than $500,000 is considered a special project and may require submittal
requirements/documentation above and beyond what is described in this Program.
Staff recommendation.
CRA Trustee approval.
Applicants must supply proof of a lease(s), or other acceptable documentation, that
identifies at least a minimum of a five-year term for tenant/business occupying or will
occupy the improved space.
Award letter, Grant Agreement, Mandatory Reporting.
Other – Special Terms and Conditions.
SECTION 4 – ELIGIBLE PROPERTY AND APPLICANT
To be eligible for the Program, the Applicant must meet all the following qualifications:
Must be:
o A property owner that is leasing commercial space to a for-profit business;
o A property owner that occupies or intends to occupy the property as a for-profit
business; or
o A for-profit business leasing space from a property owner.
The business must be an allowable use on the subject property in accordance with the City’s
Community Development Code among other applicable codes.
Must be current in all property taxes and City of Clearwater business fees.
Must be in good standing with the city (no outstanding code enforcement or building code
violations). This requirement may be waived by the CRA Director if the work proposed under
this application will remediate all code violations.
Property must be free of code enforcement liens or other City liens.
The business or new proposed business on the property must be an independently-owned
and operated local business.
If the business is an independently owned and operated franchise, other franchise locations
associated with the same brand must ONLY be located within the municipal boundary of the
city.
5
o The owner of the property shall be the applicant, unless the Owner authorizes a for-profit
business owner occupying the property by a valid lease to undertake improvements on
the property. Owner of property (“Owner”) means a holder of any legal or equitable estate
in the property, whether alone or jointly with others and whether in possession or not shall
include all individuals, associations, partnerships, corporations, limited liability companies
and others who have interest in a structure and any who are in possession or control
thereof as agent of the owner, as executor, administrator, trustee, or guardian of the estate
of the owner. Owners that are NOT leasing commercial space to nor can be classified as
for-profit businesses shall be ineligible for grant funding assistance under this program.
Mobile vendors are also ineligible for assistance.
o The total CRA grant value that an Owner has received over such period shall be the
combined value, in the 12 month period immediately preceding the submission of an
application for this program, of: (1) the amount of CRA grant funds that the applicant has
received; (2) the amount of CRA grant funds that any holder of legal title in the subject
property other than the applicant has received; and (3) if a business entity holds legal title
in the subject property, the total amount of CRA grant funds received by any directors,
members, partners, shareholders, any others with an ownership interest in such entity,
and any others able to exert managerial control over or direct the affairs of said entity.
SECTION 5 – ELIGIBLE IMPROVEMENTS
The following improvements or related items may be eligible for Program assistance:
Interior Improvements:
1) Any fixed interior leasehold improvements to commercial space;
2) Electrical/plumbing upgrades and utility connections;
3) Grease traps/interceptors;
4) Venting, HVAC, mechanical systems, and water heaters;
5) Sprinkler/fire suppression systems, firewalls, life safety improvements;
6) Certain fixed solid waste and recycling management systems;
7) American with Disabilities Act (ADA) systems;
8) Internal structural stabilization systems (e.g., repair and replacement of load bearing walls,
columns, beams/girders, joist, etc.);
9) Interior walls (including drywall), ceilings, floors, doors, and molding;
10) Interior paint;
11) Wall insulation;
12) Certain permanent bathroom and kitchen counter tops, cabinets, sinks;
13) Restaurant fixtures or other essential equipment up to a maximum of $7,500.00 (purchase
or repair)
14) Interior historical restoration; or
15) Other permanent improvements may be submitted for consideration but must demonstrate
that the improvement meets the intent of this grant program.
Exterior Improvements:
1) Any fixed exterior leasehold improvements to commercial space;
2) The repair of exterior walls;
3) Roof repairs or replacement, including facia board, soffits, and gutters;
4) Decorative fencing;*
5) Exterior painting; (including murals)
6
6) Exterior windows and/or doors;
7) Exterior signage;
8) Awnings or canopies over windows or walkways, including shutters, seating areas;
9) The installation, repair, or renovation of porches, patios, plazas;
10) The installation, repair, or renovation of pathways and sidewalks;**
11) The installation of decorative lighting, and security lighting;
12) Parking area and driveway improvements;
13) Stormwater drainage improvements for properties with a history of flooding;
14) Bicycle racks, shade areas, benches, or other pedestrian amenities;
15) Certain Crime Prevention Through Environmental Design (CPTED) ?
16) ADA accessibility improvements;
17) The removal of deteriorated or undesirable exterior alterations;
18) The installation of landscaping and irrigation systems, not to exceed twenty percent (20%)
of the total grant amount; or
19) Other permanent improvements may be submitted for consideration but must demonstrate
that the improvement meets the intent of this grant program.
*Chain link fencing, with or without slats, wooden stockade, board on board, and wooden picket
fencing are not eligible for the Program.
**Not city right-of-way or property
Other Eligible Items:
1) Predevelopment Costs (permit, architectural, and engineering fees among other
comparable fees as approved by CRA Director) up to $10,000.00.
2) Past site or building improvements that were completed up to eight months prior to
submittal of an application.
a. Only improvements listed in the itemized budget submitted as part of the
application will be considered for approval.
The following are ineligible for assistance:
1) Past site or building improvements that were completed more than eight months prior to
submittal of an application .
2) Properties not occupied or intended to be occupied by a for-profit business.
3) Second floor and above renovations unless part of or tied to a ground floor business and
verifiable proof is provided that second floor, or above floors, improvements will enhance
a ground floor business. (excluding roof renovations and repairs)
4) Assistance to businesses located in residential homes.
5) Repairs to unsafe or substandard structures that cannot be made safe for tenant
occupancy with Program funds.
6) Repairs covered by insurance.
7) Non-permanent improvements, except for items expressly stated as allowed in this
Program.
8) Installation of window or door security bars.
9) Any fixed exterior or interior leasehold prohibited improvements to commercial space.
10) Refinancing existing debts, business operational cost, payroll, etc.
SECTION 6 – REQUIREMENTS, REVIEW & APPROVAL PROCESS
7
1) All statements and representations made in the application must be true and correct in all
material respects when made.
2) Applicants must schedule an appointment with the Community Redevelopment Agency
Department staff prior to applying. The Community Redevelopment Agency Department
(Department) is located at 600 Cleveland Street, Suite 600, Clearwater, Florida 33755.
To schedule an appointment, contact staff at 727-562-4039. Applications will be received
on an ongoing basis.
3) A copy of a fully executed lease agreement, and notarized copy of the Owners’ Affidavit
form, including property description and property address. If the forms are prepared and
signed by a representative of the Owner, a legal Power-of-Attorney document must be
submitted with the application.
4) Applicants must submit, as part of the application, concept plans, design plans and
floorplan accurately delineating the square footage of the improvement area within the
commercial structure.
5) Digital photographs of the existing structure, interior and exterior, must be provided with
application.
6) Work required to be performed by licensed contractors. Applicant must provide, as
attachments, three quotes from contractors and copies of their licenses. Quotes to
include complete description of materials to be used.
7) Portions of the project costs not funded by the requested grant must be provided by
Applicant funding. Applicant funding may consist of bank loans, lines of credit, other
grants, and owned assets (Equity), etc.
8) Applicant must demonstrate their source of the Applicant Funding and their ability to meet
the financial obligations of the Program.
9) Proceeds from other City-managed financial assistance programs may be used as
Applicant Equity to satisfy the Applicant Funding requirements of this Program and may
be used to assist with funding of remaining portion of larger improvement project. Grant
funds cannot be used as Equity to satisfy the Applicant Funding requirements of other
City-managed financial assistance programs.
10) Staff will review the application for completeness, which includes all required attachments
and requested data. A post-application submittal conference will be held with the Applicant
to discuss any issues or deficiencies with the application.
11) Incomplete applications will not be considered submitted until all required documentation
has been submitted to Community Redevelopment Agency Department staff. Submittal of
an application does not guarantee a grant award.
12) The Applicant will be required to obtain quotes/estimates from licensed contractors/design
professionals for eligible improvements and submit said quotes/estimates as part of the
grant application submission.
8
13) All construction/design contracts will be between the Applicant and the contractor or
design professional.
14) Applicants may combine adjacent parcels, buildings and/or individual storefronts within a
building to create one grant request.
SECTION 7 – DISBURSEMENT POLICY AND PROCEDURE
Grant funds will, unless otherwise approved by the CRA Director to allow initial project deposits
or other necessary draws, up to fifty percent of the grant amount, to be paid directly to a City/CRA
approved licensed contractor/vendor, be disbursed upon a “Finding of Project Completion” by
CRA Director. A “Finding of Project Completion” will be granted when the following criteria are
met:
1) Requests for disbursement of project costs will be viewed as a single, completed package,
unless prior disbursement of funds arrangements have been made to pay licensed
contractors directly (no more than one payment within a 30-day period). Costs not included
in the approved application budget will not be considered for disbursement.
2) To receive disbursement of project costs, the Applicant must provide:
1. Proof of Payment:
o Copies of cancelled checks, certified checks, money orders, or credit card
statements showing payment of project costs; and
o Detailed invoices and paid receipts that are signed, dated, and marked “paid
in full.”
2. Project Information:
o Name, address, and telephone number of design professionals, general
contractors, and other vendors involved.
3. Photographs:
o Before and after photos of the project.
4. Permits and Approvals:
o Copies of all required permits (e.g. zoning, building) and evidence of passing
all required inspections.
o If applicable, a Certificate of Occupancy or Certificate of Completion
demonstrating legal occupancy of the project area.
Note: Any work performed without a required permit will not be eligible for grant funding.
3) The CRA disburses funds to grant recipients within 30 days of fully completed
reimbursement request.
SECTION 8 – GRANT EXPIRATION
Applicants must receive a “Certificate of Occupancy or Certificate of Competition” within 365
calendar days from the date of the executed grant agreement. After the said 365 days, the grant
will expire. An extension for the grant funds may be granted by the CRA Director for a good cause.
It is the responsibility of the Applicant to request an extension of the grant approval before the
expiration date.
9
SECTION 9 – ALTERATIONS AND MAINTENANCE
The improvements will be maintained in accordance with City policies, codes and any other
applicable requirements identified by the City, CRA, or other agencies for a period not less than
three years, or upon written approval by CRA Director.
SECTION 10 – COMPLIANCE WITH THE CITY OF CLEARWATER ETHICS CODE
The applicant will comply with all applicable City rules and regulations including the City's Ethics
Codes. Moreover, each applicant to the Program acknowledges and understands that the City's
Ethics Code prohibit City employees from receiving any benefit, direct or indirect, from any
contract or obligation entered with the City.
10
SECTION 11 – APPLICATION
COMMERCIAL GRANT PROGRAM
Please circle if you are the: Property Owner Business Owner
1) Applicant/Name of Business
Entity Name (matches Sunbiz)
Full Legal Name and Title (matches Sunbiz)
Mailing Address:
City/State/Zip:
Phone Number: E-mail Address:
Web Site (if available):
Lease Term (if applicable): N/A
If applicant is not the property owner, please fill out section 2
2) Authorized Agent (If applicable)
Entity Name (if any):
Full Legal Name and Title (if any):
Mailing Address:
City/State/Zip:
Phone Number: E-mail Address:
3) Subject Property/Location of Proposed Project
Address commonly known as:
Parcel Identification Number(s):
Property is designated as a Local Historic Landmark: Yes ___ No ___ if yes please
provide documentation.
4) Project description (including business name, tenant description, type of business,
proposed hours of operation, proposed opening date or proposed project
completion date), scope of work to be performed, project schedule, sketch plans
and specifications detailing the scope of work (provide attachment if needed).
Applicant understands that depending on the project, certain City Departments
may require additional documentation, plans, etc. to properly review and approve
the proposed project described in this application.
Case Number:
11
5) Describe existing uses and conditions on the property (include photographs as
attachments):
6) Financial Disclosure
Amount of Grant Requested: $
Project Budget – Sources/Uses of Funds (complete Attachment A: Project Budget)
Applicant’s Funding verified by
staff
Grant Request: $
Total Project Funding: $
My Property Is up to date with taxes, fees, and complies with City codes and regulations:
Yes____ No ____
If the Applicant has received loan or grant assistance from a city-managed financial
assistance program for a project at this address, please specify the program(s) and the
loan/grant amount(s).
1. $
2. $
PLEASE NOTE: Grants are awarded on a first come, first qualified basis until funds have
been depleted.
12
I UNDERSTAND THAT IN ORDER FOR MY REQUEST FOR GRANT FUNDING TO BE
APPROVED, I MUST AGREE TO THE FOLLOWING CONDITIONS:
1) To adhere to the application procedures and guidelines as specified.
2) That additional improvements or changes not approved in the original grant application
will not be funded by the CRA.
3) That disbursement of grant funds will only occur after:
a) All improvements have been completed or as otherwise approved by the CRA Director;
b) Inspections of the improvements are approved by the appropriate City Officials or other
required authorities, if any; and
c) Proof of payment, as described in this document, for project costs approved in the
grant application.
I ACKNOWLEDGE THAT I HAVE RECEIVED AND UNDERSTAND THE GRANT GUIDELINES
HEREIN ABOVE STATED. IN ADDITION, BY EXECUTING THIS APPLICATION, I
ACKNOWLEDGE THAT I AM LAWFULLY AUTHORIZED TO EXECUTE THIS APPLICATION.
Mail or hand deliver completed application form to:
Community Redevelopment Agency
City of Clearwater / 600 Cleveland Street, Suite 600 / Clearwater, FL 33755
For question call the Community Redevelopment Department at 727-562-4039.
13
SECTION 12 – ATTACHMENT A PROJECT BUDGET
Authorized Signature: Date:
Attachment A - Project Budget Form
(Attach contractor/vendor estimates/quotes for consistency verification of items listed below. Contractor/vendor estimates/quotes
improvement item descriptions and cost will supersede if improvement item descriptions and cost are listed different below. If more
project budget form lines are need, Applicant may duplicate budget template below on separate sheet. If new Project Budget Form
is created, write “See Attached” in Line No. 1 below.)
For Applicant Use For staff use only
Line
Item No.
Improvement(s) Item Description
(Including construction materials, labor,
permitting, other fees, etc.)
Improvement(s)
Cost Amount
Line Item Eligible for
Grant Consideration
Yes/No
Cost Amount
Eligible for
Grant (%)
1 $ $
2 $ $
3 $ $
4 $ $
5 $ $
6 $ $
7 $ $
8 $ $
9 $ $
10 $ $
11 $ $
12 $ $
13 $ $
14 $ $
15 $ $
16 Architecture and Engineering fees $ $
17 $ $
Total Improvement(s) Cost Amount $
Total Cost Amount
Eligible for Grant
Consideration
$
14
SECTION 13 – ELIGIBLE CRA AREA MAP
Cover Memo
City of Clearwater Main Library - Council
Chambers
100 N. Osceola Avenue
Clearwater, FL 33755
File Number: ID#25-1327
Agenda Date: 1/12/2026 Status: Agenda ReadyVersion: 1
File Type: Action ItemIn Control: Community Redevelopment Agency
Agenda Number: 4.4
SUBJECT/RECOMMENDATION:
Approve the recommended updates to the Residential Exterior Improvement Grant Program guidelines
for the North Greenwood Community Redevelopment Area (NGCRA).
SUMMARY:
The North Greenwood CRA Residential Exterior Improvement Grant Program provides financial
assistance to homeowners for exterior (and certain qualifying interior) improvements to enhance
neighborhood aesthetics and pride. Staff has reviewed the current program guidelines and recommends
updates to simplify application processes, align funding with current construction costs, clarify eligibility,
and improve consistency across program administration.
Recommended Summary Changes:
·Program Funding: Increase maximum grant award from $20,000 to $25,000 to align with rising
construction and material costs.
·Program Scope: Allow limited interior repairs for life-safety issues or damage caused by exterior
conditions while maintaining primary focus on exterior improvements.
·Match Waiver: Simplify the match structure to a flat 5% for households 0-120% AMI. Community
service can waive match at $150 per hour, up to a maximum of $25,000. Clarifies eligibility, timing, and
approval processes, including staff designee approval.
·Payment Clarity: The grant is a reimbursement grant payable to the homeowner upon completion of
the project receiving funding. The applicant is responsible for paying the contractor and must submit
acceptable proof of payment. Partial reimbursements may be considered for work completed in phases;
however, reimbursements for contractor payments shall not occur more than once every 30 days, unless
otherwise approved by the CRA Director. However, the CRA Director may approve payments from the
CRA to a licensed contractor for the cost of materials and/or permits. If payment is approved, such
contractor may be paid for work performed before the completion of a project provided such contractor is
not paid more than once per every 30 days.
·Eligibility Updates:
o Homeowners must be current on mortgage payments or provide proof of an approved payment plan.
o Limits of $25,000 per homeowner within a 36-month rolling period, with exceptions for ADA or
life-safety issues.
·Administrative Updates:
o Remove the requirement for homeowners to provide three contractor quotes.
o Correct grammatical errors, deleted notary and updated CRA address, and clarify household size
reporting, and added clarity to application questions.
o Applicants must receive a “Finding of Project Completion” within 365 calendar days from the date of
application approval. After the said 365 days, the grant will expire.
These updates simplify program administration, provide greater flexibility for applicants, and ensure the
Residential Exterior Improvement Grant Program continues to support NGCRA and City strategic goals
while maintaining fiscal responsibility.
APPROPRIATION CODE AND AMOUNT:
Funds for this program are available in project R2401, Residential Improvement Program.
Page 1 City of Clearwater Printed on 1/6/2026
File Number: ID#25-1327
STRATEGIC PRIORITY:
3.1 Support neighborhood identity through services and programs that empower community pride and
belonging.
3.2 Preserve community livability through responsible development standards, proactive code
compliance, and targeted revitalization.
Page 2 City of Clearwater Printed on 1/6/2026
RESIDENTIAL EXTERIOR
IMPROVEMENT GRANT
PROGRAM
&
APPLICATION FORM
City of Clearwater Community Redevelopment Agency
North Greenwood Community Redevelopment Area
TABLE OF CONTENTS
SECTION 1 – PROGRAM GOAL ................................................................................................................. 1
SECTION 2 – PURPOSE AND INTENT ....................................................................................................... 1
SECTION 3 – AVAILABLE ASSISTANCE AND PROGRAM ELIGIBILITY .................................................. 2
SECTION 4 – ELIGIBLE RESIDENTIAL IMPROVEMENTS ........................................................................ 5
SECTION 5 – PROGRAM REQUIREMENTS AND APPLICATION PROCESS .......................................... 5
SECTION 6 – DISBURSEMENT POLICY AND PROCEDURE ................................................................... 7
SECTION 7 – GRANT EXPIRATION ............................................................................................................ 8
SECTION 8 – COMPLIANCE WITH THE CITY OF CLEARWATER ETHICS CODE .................................. 8
SECTION 9 – APPLICATION ....................................................................................................................... 9
SECTION 10 – ELIGIBLE CRA AREA MAP ............................................................................................... 13
_______________________________________________________________
Residential Exterior Improvement Grant Program
Approved by the CRA Trustees July 15, 2024
Amended by the CRA Trustees April 28, 2025
1
RESIDENTIAL EXTERIOR IMPROVEMENT GRANT PROGRAM
The Program provides a matching grant of up to $25,000.
SECTION 1 – PROGRAM GOAL
The City of Clearwater (City) Community Redevelopment Agency (CRA) Residential Exterior
Improvement Grant Program (Program) is designed to increase access to redevelopment
funding for residential improvements to homesteaded single-family homes in the North
Greenwood Community Redevelopment Area (NGCRA). The purpose of the Program is to
rehabilitate single family homes, improve property conditions, aesthetics, reduce housing cost
burden, and aid in the elimination of slum and blight. The focus of this Program is directed to the
exterior improvement, and certain qualifying interior improvements, of residential properties to
enhance neighborhood aesthetics and pride.
SECTION 2 – PURPOSE AND INTENT
The purpose of the Program is to support the implementation of the adopted North Greenwood
Community Redevelopment Area Plan (Plan) in accordance with the Florida Community
Redevelopment Act of 1969. Sections 163.330, et seq., Florida Statutes, by:
1) Carrying out plans for a program of voluntary or compulsory repair and rehabilitation of
buildings or other improvements in accordance with the community redevelopment plan
(Sections 163.370(2)(c)(5), Florida Statutes).
2) Reducing the percent of households that are housing cost burdened (Plan Section 3.2,
Goals and Objectives, Goal 4 Housing Affordability, Objectives, page 94).
3) Prioritizing keeping existing residents in their homes through funding for addressing
property maintenance and building code issues and reducing visual blight (Plan Section
3.3, Redevelopment Policies, Housing, page 95).
4) Developing grant programs to improve the exterior and interior of blighted properties
(Plan Section 4.5, Plan Implementation, Table 15, Goal 1 Policy Implementation: Public
Safety, page 134).
5) Developing programs to encourage neighborhood pride in yard and home appearance
(Plan Section 4.5, Plan Implementation, Table 15, Goal 1 Policy Implementation: Public
Safety, page 136).
6) Providing emergency assistance funds for low-income residents for life safety home
repairs and renovations to accommodate physical disabilities (Plan Section 4.5, Plan
Implementation, Table 15, Goal 4 Policy Implementation: Housing Affordability, page
140).
7) Creating a grant program to reduce blight through the repair and preservation of historic
homes (Plan Section 4.5, Plan Implementation, Table 15, Goal 4 Policy Implementation:
Housing Affordability, page 142).
8) Creating value for the citizens of Clearwater and improving the NGCRA by (themes
stressed throughout the NGCRA and City’s Strategic Plans):
a) Promoting a resident and neighborhood friendly atmosphere;
Case Number:
2
b) Promoting economic development and neighborhood revitalization;
c) Incentivizing property owners to enhance and sustain the values of their property;
d) Creating a more inviting and visually appealing atmosphere; and
e) Instilling a greater sense of place and civic identity.
f) 3.1 Support neighborhood identity through services and programs that empower
community pride and belonging.
g) 3.2 Preserve community livability through responsible development standards,
proactive code compliance, and targeted revitalization.
It is not the intent of the CRA to engage in any rehabilitation activity that requires vacating
property or displacing any residents from property. Moreover, this Program does not assist in
temporary relocation cost or the development of new construction projects. Rather, it is to
rehabilitate existing single-family structures.
SECTION 3 – AVAILABLE ASSISTANCE AND PROGRAM ELIGIBILITY
The Program provides a matching grant, as specified below, of up to $25,000 to assist
applicants with exterior home repairs. Program assistance is based on family size and income
limits, which are subject to change from time to time. Applicants with Household incomes
that exceed 120% Area Median Income (AMI) do not qualify for this Program. Applicant will
match the grant amount by the percentages listed below:
Area Median Income % Applicant Contribution/Match
0-120% 5%*
Above 120% Not eligible for grant.
*Match may be waived at the rate of one hour of community service per $150 of approved grant
amount and will be added back into the total grant amount not to exceed $25,000.
(Community Service must be performed by Applicant, or anyone over 18 years of age
legally residing in the home, within the NGCRA boundary and through a tax-exempt not-
for-profit organization recognized by the CRA or City of Clearwater. Community service
must be performed without pay or compensation from the not-for-profit organization,
and/or for the City of Clearwater with the NGCRA and service must be performed in full
hour increments rounding up to the nearest whole hour. Scope of community service
must be pre-approved, by the CRA Director, or designee, prior to commencement. In
addition, said community service must be performed prior to release of grant funds.)
The CRA Director may waive, or reduce, on a case-by-case basis, the community service
provision for certain individuals with disabilities, including age related disabilities, or
other verifiable hardships, that prevent the Applicant, and anyone over 18 years of age
legally residing in the home, from performing community service. The amount of the
reduction or waiver can be added back to the total grant amount not to exceed $25,000.
3
The grant is a reimbursement grant payable to the homeowner upon completion of the
project receiving funding. The applicant is responsible for paying the contractor and
must submit acceptable proof of payment. Partial reimbursements may be considered for
work completed in phases; however, reimbursements for contractor payments shall not
occur more than once every thirty (30) days, unless otherwise approved by the CRA
Director.
However, the CRA Director may approve payments from the CRA to a licensed contractor
for ____the cost of materials and/or permits_______________________. If payment is
approved, such contractor may be paid for work performed before the completion of a
project provided such contractor is not paid more than once per every 30 days.
The chart below is data provided by the Florida Housing Finance Corporation (FHFC) which is
based upon figures provided by the United States Department of Housing and Urban
Development (HUD) and are subject to change. Updated charts by FHFC will supersede any
income limit chart provided within this document. When updates are made available by FHFC,
the chart below will be updated.
Eligibility Criteria
To be eligible for the Program, the project/property must meet all the following qualifications:
Applicant must be the owner of the subject property. *
The subject property must be a single-family home.
Property must be located within the NGCRA.
The single-family home must be the primary residence and legal homestead of the
Applicant. In addition, the following may qualify for the Program.
Owners of property that have applied to Pinellas County for homestead
exemption consideration may be eligible for this Program.
Applicants that reside at the property, control said property other than through
outright ownership, and are authorized to approve the repairs and other work that
are the subject of this program, may provide alternative documents to
substantiate that they have such control and authority regarding the property.
This documentation may include probate court documents, wills, heirship
affidavit, letters of administration, or other legal documentation. After review of
the documents, the residing applicant(s) may qualify for the Program, provided
the applicant(s) wishing to apply for the Program reside at the property as their
primary residence. If such control or authority is disputed by another party or
parties, the application may be denied until such time as the Applicant resolves
such disputes.
4
Must demonstrate property taxes are current or a satisfactory payment plan is approved
by the CRA Director.
Must be current on mortgage payments or provide satisfactory documentation for a
payment plan (if applicable).
Must be in good standing with the city (no outstanding code enforcement or building
code violations). This requirement may be waived by the CRA Director if the work
proposed under this application will remediate the code violations.
If combined with a home rehabilitation loan, grant, or other programs from the City’s
Economic Development and Housing Department, other requirements may be included.
*The owner of the Property (Owner) shall be the Applicant. Owner means a holder of
any legal or equitable estate in the premises, whether alone or jointly with others and
whether in possession or not shall include all individuals, associations, partnerships,
corporations, limited liability companies and others who have interest in a structure and
any who are in possession or control thereof as agent of the owner, as executor,
administrator, trustee, or guardian of the estate of the owner. No Owner shall receive
more than $25,000 in total CRA grant value within a 36-month (3 years) rolling year for
this program from effective date of the grant agreement. The CRA Executive Director
may approve funding outside of this timeframe only for Americans with Disabilities Act
(“ADA”) requirements and/or life safety issues. For the purposes of this application, the
total CRA grant value that an Owner has received over such period shall be the
combined value, in the 36 month period immediately preceding the submission of an
application for this program, of: (1) the amount of CRA grant funds that the applicant has
received; (2) the amount of CRA grant funds that any holder of legal title in the subject
property other than the applicant has received; and (3) if a business entity holds legal
title in the subject property, the total amount of CRA grant funds received by any
directors, members, partners, shareholders, any others with an ownership interest in
such entity, and any others able to exert managerial control over or direct the affairs of
said entity.
Previous Participation – Each property may not receive a grant any more than every
thirty-six months (3 years).
The following are ineligible for Program assistance:
Work or improvements that are completed prior to an application being approved.
Any unpermitted work or improvements performed on the property that required a permit
and inspections.
Any work or improvements on the property that fail required inspections.
Multi-family properties.
Properties that do not qualify for homestead exemption.
New construction or improvements on vacant land.
Project Implementation
Projects are to be coordinated, managed, and implemented by the Applicant with close
interaction with Community Redevelopment Agency Department staff and the appropriate City
departments. Applicants are responsible for obtaining/arranging any permits required by the
city.
5
SECTION 4 – ELIGIBLE RESIDENTIAL IMPROVEMENTS
One or more of the following improvements may be eligible for Program assistance:
1) Exterior repairs (walls, foundation, piers, siding, etc.);
2) Exterior painting;
3) Exterior windows and doors;
4) Roof repairs or replacement, including facia board, soffits, and gutters;
5) Window or door awnings and shutters (including hurricane shutters; replacement or
repair);
6) Exterior weatherization improvements;
7) The installation, repair, or renovation of porches;
8) The installation of decorative lighting;
9) Decorative fencing;
10) Driveway, pedestrian walkways/pathways, and sidewalk improvements;
11) American with Disabilities Act (ADA) accessibility improvements;
12) The installation of landscaping and irrigation systems, not to exceed twenty percent
(20%) of the total grant amount;
13) Tree trimming or removal (requires city approval, and city may require a licensed arborist
to confirm tree removal is necessary);
14) Heating, ventilation, and air conditioning (HVAC) systems;
15) Certain interior repairs:
a. Interior deterioration/damage directly resulting from an exterior defect or damage,
may qualify for grant funding to repair said deterioration/damage. Such interior
repairs may include, but are not limited to, load bearing walls, drywall, insulation,
and wood repair. However, grant funds must first be used for improvements or
repairs to fully remedy the external defect or damage that resulted in such interior
deterioration/damage prior to any use of grant funds on interior repairs.
b. Interior deterioration/damage that is verified by the city as a life safety issue to
home inhabitants.
c. ADA accessibility improvements.
16) Home fumigation (including tenting if necessary) for termites; and
17) Other improvements may be submitted for consideration but must demonstrate that the
improvement meets the intent of this grant program.
The following improvements are not eligible for Program assistance:
1) Repairs to unsafe or substandard structures that cannot be made safe for
habitation with Program funds.
2) Room additions, garage conversions, repairs to structures separate from the living units
(detached garage, shed, etc.), furnishings, and pools.
3) Repairs covered by insurance.
4) Non-permanent improvements.
5) Enclosing a front porch.
6) Installation of window or door security bars.
7) General interior home improvements and repairs.
SECTION 5 – PROGRAM REQUIREMENTS AND APPLICATION PROCESS
Program Requirements
6
All statements and representations made in the application must be correct in all
material respects when made.
Any applicant requesting grant funding from this program will have their income verified
by City staff and must supply the items listed below, and, if requested, any other income
or employment documents that are not listed below:
If applicable, self-employed year to date profit and loss statements.
All pages of last two year’s tax returns, with all schedules and W-2s/1099(s).
Most recent and consecutive last two months of bank statements (with bank name and
account number) (ALL PAGES, even if blank) for all household members with accounts.
If combined with a Home Rehabilitation Loan from the Economic Development and
Housing Department, additional information may be required.
Applicants that do not wish to have their income verified will automatically be disqualified from
Program participation.
Color digital photographs of the existing structure exterior, showing all sides of
the building, must be provided with application.
An estimated detailed budget must be provided on the attached project budget form
(Attachment A).
Work required to be performed by licensed contractors. Applicants are asked to provide
up to three quotes, however a single quote from a licensed contractor is acceptable if
pricing is in line with industry standards and vendor availability make it difficult to
complete the project in a timely manner. All quotes to must include a complete
description of the materials to be used. The CRA Director or their designee may require
additional quotes beyond the minimum required when deemed necessary to ensure
reasonableness, competitiveness, or compliance with program requirements.
Circumstances that may trigger a request for additional quotes include, but are not
limited to:
Project costs that appear inconsistent with industry standards or recent
comparable projects;
o Limited availability of qualified vendors or potential conflicts of interest; or
o Substantial changes to the project scope or materials after the initial quote is
submitted
o If work is performed by non-licensed workers, then only materials purchased will
be eligible for grant funds, unless the work performed was required to be
performed by a licensed individual per City codes.
Portions of the project costs not funded by the requested grant must be provided by
Owner funding. Owner funding may consist of bank loans, lines of credit, a Home
Rehabilitation Loan from the city’s Economic Development and Housing Department,
and owned assets (Owner Equity), etc.
Owner must demonstrate their source of the Owner Funding and their ability to meet the
financial obligations of the Program prior to Program approval.
Proceeds from other City-managed financial assistance programs may be used as
Owner Equity to satisfy the Owner Funding requirements of this Program and may be
used to assist with funding of remaining portion of larger improvement project. Grant
funds cannot be used as Owner Equity to satisfy the Owner Funding requirements of
other City-managed financial assistance programs.
7
Grant Application Process
Submittal of an application does not guarantee a grant award.
Grant preference will be given to Applicants at or below 80% AMI, applicants 65 years of
age and above, and the disabled.
Completed applications that meet all the Program requirements will be reviewed by the
CRA Director.
The CRA Director will approve or deny applications based on the criteria set forth in this
document.
Incomplete applications will not be considered submitted until all required documentation
has been submitted to Community Redevelopment Agency Department staff.
All construction/design contracts will be between the Applicant and the contractor/design
professional.
SECTION 6 – DISBURSEMENT POLICY AND PROCEDURE
Grant funds will, unless otherwise approved by the CRA Director to allow initial project deposits
or other necessary draws, up to fifty percent of the total grant amount, to be paid directly to the
applicant, be disbursed upon a “Finding of Project Completion” by CRA Director. A “Finding
of Project Completion” will be granted when the following criteria are met:
1) Applicant must demonstrate their ability to meet the financial match/obligations of the
Program and any required community service has been completed by qualifying
applicants.
2) Requests for disbursement of project costs will be viewed as a single, completed
package, unless prior disbursement of funds arrangements have been made to pay
licensed contractors directly (no more than one payment within a 30-day period).
Costs not included in the approved application budget will not be considered for
disbursement.
3) Required documentation for disbursement of project costs must include:
a. Copies of cancelled checks, certified checks or money orders of project costs, or
credit card statements of project cost;
b. Detailed invoices and paid receipts signed, dated, and marked “paid in full;”
c. Name, address, telephone number of design professional(s), general contractor,
etc.; and
d. Photos of the project (before and after photos).
4) The Applicant must have obtained all necessary/required permits (e.g. zoning and
building), passed all required inspections, and prior to final disbursement of funds
received (if relevant) notice, in the form of a Certificate of Occupancy or Certificate of
Completion for the project demonstrating the legal occupancy of the project area. Any
work performed without a permit that required a permit will not be eligible for
grant funding.
5) The CRA disburses funds to grant recipients within 30 days of fully completed
reimbursement request.
8
SECTION 7 – GRANT EXPIRATION
Applicants must receive a “Finding of Project Completion” within 365 calendar days from the
date of application approval. After the said 3 days, the grant will expire. An extension for the
grant funds may be granted by the CRA Director for a good cause. It is the responsibility of the
Applicant to request, in writing, from the CRA Director an extension of the grant approval before
the expiration date.
SECTION 8 – COMPLIANCE WITH THE CITY OF CLEARWATER ETHICS CODE
The applicant will comply with all applicable City rules and regulations including the City's Ethics
Codes. Moreover, each applicant to the Program acknowledges and understands that the City's
Ethics Code prohibit City employees from receiving any benefit, direct or indirect, from any
contract or obligation entered with the City.
9
SECTION 9 – APPLICATION
1) Applicant (Property Owner)
Full Legal Name(s):
Mailing Address:
City/State/Zip:
Phone Number: E-mail Address:
2) Subject Property
Address commonly known as:
Parcel Identification Number(s):
3) Project description, scope of work to be performed, sketch plans and
specifications detailing the scope of work (provide attachment(s) if needed).
(Applicant understands that depending on the project, certain city departments
may require additional documentation, plans, etc. to properly review and approve
the proposed project described in this application.)
10
4) Financial and Other Disclosures
Annual Household Income: $
(Income examples (not limited to the following): employment or self-employment income, Social Security,
Pension, Disability, etc.)
Household Size (total number of members residing in the home): #
Is the subject property current with: (if applicable)
Property Tax Payments: Yes______ No______(must provide copies of property tax payment)
If no, please explain
Mortgage Payments: Yes______ No______ (must provide copies of mortgage statement)
If no, please explain
Is the subject property current in compliance with City codes and regulations?
Yes______ No______
If no, please explain
Have you received a loan or grant assistance from a city-managed financial
assistance program for a project at the subject property?
Yes____ No ____
If yes, please specify the program(s), dates received, and the loan/grant amount(s) below
or provide attachment(s).
Program Name:
Date Received: Amount Received $
Program Name:
Date Received: Amount Received $
5) Amount of Grant Requested under this program: $
Yes____ No ____
11
12
Attachment A - Project Budget Form
(Attach contractor/vendor estimates/quotes for consistency verification of items listed below. Contractor/vendor estimates/quotes
improvement item descriptions and cost will supersede if improvement item descriptions and cost are listed different below. If more
project budget form lines are need, Applicant may duplicate budget template below on separate sheet. If new Project Budget Form
is created, write “See Attached” in Line No. 1 below.)
For Applicant Use For staff use only
Line
Item No.
Improvement(s) Item Description
(Including construction materials, labor,
permitting, other fees, etc.)
Improvement(s)
Cost Amount
Line Item Eligible for
Grant Consideration
Yes/No
Cost Amount
Eligible for
Grant
1 $ $
2 $ $
3 $ $
4 $ $
5 $ $
6 $ $
7 $ $
8 $ $
9 $ $
10 $ $
11 $ $
12 $ $
13 $ $
14 $ $
15 $ $
16 $ $
17 $ $
Total Improvement(s) Cost Amount $
Total Cost Amount
Eligible for Grant
Consideration
$
Line No. For Staff Use Only
1 Total Cost Amount Eligible for Grant Consideration (from “Attachment A” above and/or from
attached contractor estimates/quotes. $
2 Amount of Grant Requested under this program (Section 9, question 5 of Application). $
3 Enter the amount with the lower monetary value from either Line No. 1 or Line No. 2. $
4 Enter required Applicant Contribution/Match (5% contribution/match, see Section 3 of Grant
Program). $
5 Subtract Line No. 4 from Line No. 3 and enter amount. $
6
Enter value of eligible community service hours for contribution/match waiver, if applicable.
(See Section 3 of Grant Program for value of service hours).
Number of service hours approved by CRA Director: _________.
$
7 Add Line No. 6 to amount in Line No. 5 and enter amount. $
8 Enter amount from Line No. 7. This is eligible grant award amount to enter in approval letter: $
13
PLEASE NOTE:
For multiple signers: This Application may be executed in one or more counterparts, each of
which when executed and delivered, shall be an original, but all such counterparts shall
constitute one and the same instrument.
I ACKNOWLEDGE THAT I HAVE RECEIVED AND UNDERSTAND THE GRANT GUIDELINES
HEREIN ABOVE STATED. IN ADDITION, BY EXECUTING THIS APPLICATION, I
ACKNOWLEDGE THAT I AM LAWFULLY AUTHORIZED TO EXECUTE THIS APPLICATION
AND THAT ALL INFORMATION AND STATEMENTS CONTAINED HEREIN AND ON ANY
ATTACHEMENTS ARE TRUE, CORRECT, AND COMPLETE.
Applicant Signature Printed Name
Date
Mail or hand deliver completed application form to:
Community Redevelopment Agency
City of Clearwater / 100 S. Myrtle Avenue, Clearwater, FL 33755
For question call the Community Redevelopment Department at 727-562-4039
14
SECTION 10 – ELIGIBLE CRA AREA MAP
RESIDENTIAL EXTERIOR
IMPROVEMENT GRANT
PROGRAM
&
APPLICATION FORM
City of Clearwater Community Redevelopment Agency
North Greenwood Community Redevelopment Area
TABLE OF CONTENTS
SECTION 1 – PROGRAM GOAL ................................................................................................................. 1
SECTION 2 – PURPOSE AND INTENT ....................................................................................................... 1
SECTION 3 – AVAILABLE ASSISTANCE AND PROGRAM ELIGIBILITY .................................................. 2
SECTION 4 – ELIGIBLE RESIDENTIAL IMPROVEMENTS ........................................................................ 4
SECTION 5 – PROGRAM REQUIREMENTS AND APPLICATION PROCESS .......................................... 5
SECTION 6 – DISBURSEMENT POLICY AND PROCEDURE ................................................................... 7
SECTION 7 – GRANT EXPIRATION ............................................................................................................ 7
SECTION 8 – COMPLIANCE WITH THE CITY OF CLEARWATER ETHICS CODE .................................. 8
SECTION 9 – APPLICATION ....................................................................................................................... 9
SECTION 10 – ELIGIBLE CRA AREA MAP ............................................................................................... 13
_______________________________________________________________
Residential Exterior Improvement Grant Program
Approved by the CRA Trustees July 15, 2024
Amended by the CRA Trustees April 28, 2025
1
RESIDENTIAL EXTERIOR IMPROVEMENT GRANT PROGRAM
The Program provides a matching grant of up to $25,000.
SECTION 1 – PROGRAM GOAL
The City of Clearwater (City) Community Redevelopment Agency (CRA) Residential Exterior
Improvement Grant Program (Program) is designed to increase access to redevelopment
funding for residential improvements to homesteaded single-family homes in the North
Greenwood Community Redevelopment Area (NGCRA). The purpose of the Program is to
rehabilitate single family homes, improve property conditions, aesthetics, reduce housing cost
burden, and aid in the elimination of slum and blight. The focus of this Program is directed to the
exterior improvement, and certain qualifying interior improvements, of residential properties to
enhance neighborhood aesthetics and pride.
SECTION 2 – PURPOSE AND INTENT
The purpose of the Program is to support the implementation of the adopted North Greenwood
Community Redevelopment Area Plan (Plan) in accordance with the Florida Community
Redevelopment Act of 1969. Sections 163.330, et seq., Florida Statutes, by:
1) Carrying out plans for a program of voluntary or compulsory repair and rehabilitation of
buildings or other improvements in accordance with the community redevelopment plan
(Sections 163.370(2)(c)(5), Florida Statutes).
2) Reducing the percent of households that are housing cost burdened (Plan Section 3.2,
Goals and Objectives, Goal 4 Housing Affordability, Objectives, page 94).
3) Prioritizing keeping existing residents in their homes through funding for addressing
property maintenance and building code issues and reducing visual blight (Plan Section
3.3, Redevelopment Policies, Housing, page 95).
4) Developing grant programs to improve the exterior and interior of blighted properties
(Plan Section 4.5, Plan Implementation, Table 15, Goal 1 Policy Implementation: Public
Safety, page 134).
5) Developing programs to encourage neighborhood pride in yard and home appearance
(Plan Section 4.5, Plan Implementation, Table 15, Goal 1 Policy Implementation: Public
Safety, page 136).
6) Providing emergency assistance funds for low-income residents for life safety home
repairs and renovations to accommodate physical disabilities (Plan Section 4.5, Plan
Implementation, Table 15, Goal 4 Policy Implementation: Housing Affordability, page
140).
7) Creating a grant program to reduce blight through the repair and preservation of historic
homes (Plan Section 4.5, Plan Implementation, Table 15, Goal 4 Policy Implementation:
Housing Affordability, page 142).
8) Creating value for the citizens of Clearwater and improving the NGCRA by (themes
stressed throughout the NGCRA and City’s Strategic Plans):
a) Promoting a resident and neighborhood friendly atmosphere;
Case Number:
2
b) Promoting economic development and neighborhood revitalization;
c) Incentivizing property owners to enhance and sustain the values of their property;
d) Creating a more inviting and visually appealing atmosphere; and
e) Instilling a greater sense of place and civic identity.
f) 3.1 Support neighborhood identity through services and programs that empower
community pride and belonging.
g) 3.2 Preserve community livability through responsible development standards,
proactive code compliance, and targeted revitalization.
It is not the intent of the CRA to engage in any rehabilitation activity that requires vacating
property or displacing any residents from property. Moreover, this Program does not assist in
temporary relocation cost or the development of new construction projects. Rather, it is to
rehabilitate existing single-family structures.
SECTION 3 – AVAILABLE ASSISTANCE AND PROGRAM ELIGIBILITY
The Program provides a matching grant, as specified below, of up to $25,000 to assist
applicants with exterior home repairs. Program assistance is based on family size and income
limits, which are subject to change from time to time. Applicants with Household incomes
that exceed 120% Area Median Income (AMI) do not qualify for this Program. Applicant will
match the grant amount by the percentages listed below:
Area Median Income % Applicant Contribution/Match
0-120% 5%*
Above 120% Not eligible for grant.
*Match may be waived at the rate of one hour of community service per $150 of approved grant
amount and will be added back into the total grant amount not to exceed $25,000.
(Community Service must be performed by Applicant, or anyone over 18 years of age legally
residing in the home, within the NGCRA boundary and through a tax-exempt not-for-profit
organization recognized by the CRA or City of Clearwater. Community service must be
performed without pay or compensation from the not-for-profit organization, and/or for the City
of Clearwater with the NGCRA and service must be performed in full hour increments rounding
up to the nearest whole hour. Scope of community service must be pre-approved, by the CRA
Director, or designee, prior to commencement. In addition, said community service must be
performed prior to release of grant funds.)
The CRA Director may waive, or reduce, on a case-by-case basis, the community service
provision for certain individuals with disabilities, including age related disabilities, or other
verifiable hardships, that prevent the Applicant, and anyone over 18 years of age legally
residing in the home, from performing community service. The amount of the reduction or
waiver can be added back to the total grant amount not to exceed $25,000.
3
The grant is a reimbursement grant payable to the homeowner upon completion of the project
receiving funding. The applicant is responsible for paying the contractor and must submit
acceptable proof of payment. Partial reimbursements may be considered for work completed in
phases; however, reimbursements for contractor payments shall not occur more than once
every thirty (30) days, unless otherwise approved by the CRA Director.
However, the CRA Director may approve payments from the CRA to a licensed contractor for
the cost of materials and/or permits. If payment is approved, such contractor may be paid for
work performed before the completion of a project provided such contractor is not paid more
than once per every 30 days.
The chart below is data provided by the Florida Housing Finance Corporation (FHFC) which is
based upon figures provided by the United States Department of Housing and Urban
Development (HUD) and are subject to change. Updated charts by FHFC will supersede any
income limit chart provided within this document. When updates are made available by FHFC,
the chart below will be updated.
Eligibility Criteria
To be eligible for the Program, the project/property must meet all the following qualifications:
Applicant must be the owner of the subject property. *
The subject property must be a single-family home.
Property must be located within the NGCRA.
The single-family home must be the primary residence and legal homestead of the
Applicant. In addition, the following may qualify for the Program.
Owners of property that have applied to Pinellas County for homestead
exemption consideration may be eligible for this Program.
Applicants that reside at the property, control said property other than through
outright ownership, and are authorized to approve the repairs and other work that
are the subject of this program, may provide alternative documents to
substantiate that they have such control and authority regarding the property.
This documentation may include probate court documents, wills, heirship
affidavit, letters of administration, or other legal documentation. After review of
the documents, the residing applicant(s) may qualify for the Program, provided
the applicant(s) wishing to apply for the Program reside at the property as their
primary residence. If such control or authority is disputed by another party or
parties, the application may be denied until such time as the Applicant resolves
such disputes.
Must demonstrate property taxes are current or a satisfactory payment plan is approved
by the CRA Director.
4
Must be current on mortgage payments or provide satisfactory documentation for a
payment plan (if applicable).
Must be in good standing with the city (no outstanding code enforcement or building
code violations). This requirement may be waived by the CRA Director if the work
proposed under this application will remediate the code violations.
If combined with a home rehabilitation loan, grant, or other programs from the City’s
Economic Development and Housing Department, other requirements may be included.
*The owner of the Property (Owner) shall be the Applicant. Owner means a holder of
any legal or equitable estate in the premises, whether alone or jointly with others and
whether in possession or not shall include all individuals, associations, partnerships,
corporations, limited liability companies and others who have interest in a structure and
any who are in possession or control thereof as agent of the owner, as executor,
administrator, trustee, or guardian of the estate of the owner. No Owner shall receive
more than $25,000 in total CRA grant value within a 36-month (3 years) rolling year for
this program from effective date of the grant agreement. The CRA Executive Director
may approve funding outside of this timeframe only for Americans with Disabilities Act
(“ADA”) requirements and/or life safety issues. For the purposes of this application, the
total CRA grant value that an Owner has received over such period shall be the
combined value, in the 36 month period immediately preceding the submission of an
application for this program, of: (1) the amount of CRA grant funds that the applicant has
received; (2) the amount of CRA grant funds that any holder of legal title in the subject
property other than the applicant has received; and (3) if a business entity holds legal
title in the subject property, the total amount of CRA grant funds received by any
directors, members, partners, shareholders, any others with an ownership interest in
such entity, and any others able to exert managerial control over or direct the affairs of
said entity.
Previous Participation – Each property may not receive a grant any more than every
thirty-six months (3 years).
The following are ineligible for Program assistance:
Work or improvements that are completed prior to an application being approved.
Any unpermitted work or improvements performed on the property that required a permit
and inspections.
Any work or improvements on the property that fail required inspections.
Multi-family properties.
Properties that do not qualify for homestead exemption.
New construction or improvements on vacant land.
Project Implementation
Projects are to be coordinated, managed, and implemented by the Applicant with close
interaction with Community Redevelopment Agency Department staff and the appropriate City
departments. Applicants are responsible for obtaining/arranging any permits required by the
city.
SECTION 4 – ELIGIBLE RESIDENTIAL IMPROVEMENTS
5
One or more of the following improvements may be eligible for Program assistance:
1) Exterior repairs (walls, foundation, piers, siding, etc.);
2) Exterior painting;
3) Exterior windows and doors;
4) Roof repairs or replacement, including facia board, soffits, and gutters;
5) Window or door awnings and shutters (including hurricane shutters; replacement or
repair);
6) Exterior weatherization improvements;
7) The installation, repair, or renovation of porches;
8) The installation of decorative lighting;
9) Decorative fencing;
10) Driveway, pedestrian walkways/pathways, and sidewalk improvements;
11) American with Disabilities Act (ADA) accessibility improvements;
12) The installation of landscaping and irrigation systems, not to exceed twenty percent
(20%) of the total grant amount;
13) Tree trimming or removal (requires city approval, and city may require a licensed arborist
to confirm tree removal is necessary);
14) Heating, ventilation, and air conditioning (HVAC) systems;
15) Certain interior repairs:
a. Interior deterioration/damage directly resulting from an exterior defect or damage,
may qualify for grant funding to repair said deterioration/damage. Such interior
repairs may include, but are not limited to, load bearing walls, drywall, insulation,
and wood repair. However, grant funds must first be used for improvements or
repairs to fully remedy the external defect or damage that resulted in such interior
deterioration/damage prior to any use of grant funds on interior repairs.
b. Interior deterioration/damage that is verified by the city as a life safety issue to
home inhabitants.
c. ADA accessibility improvements.
16) Home fumigation (including tenting if necessary) for termites; and
17) Other improvements may be submitted for consideration but must demonstrate that the
improvement meets the intent of this grant program.
The following improvements are not eligible for Program assistance:
1) Repairs to unsafe or substandard structures that cannot be made safe for
habitation with Program funds.
2) Room additions, garage conversions, repairs to structures separate from the living units
(detached garage, shed, etc.), furnishings, and pools.
3) Repairs covered by insurance.
4) Non-permanent improvements.
5) Enclosing a front porch.
6) Installation of window or door security bars.
7) General interior home improvements and repairs.
SECTION 5 – PROGRAM REQUIREMENTS AND APPLICATION PROCESS
Program Requirements
All statements and representations made in the application must be correct in all
material respects when made.
6
Any applicant requesting grant funding from this program will have their income verified
by City staff and must supply the items listed below, and, if requested, any other income
or employment documents that are not listed below:
If applicable, self-employed year to date profit and loss statements.
All pages of last two year’s tax returns, with all schedules and W-2s/1099(s).
Most recent and consecutive last two months of bank statements (with bank name and
account number) (ALL PAGES, even if blank) for all household members with accounts.
If combined with a Home Rehabilitation Loan from the Economic Development and
Housing Department, additional information may be required.
Applicants that do not wish to have their income verified will automatically be disqualified from
Program participation.
Color digital photographs of the existing structure exterior, showing all sides of
the building, must be provided with application.
An estimated detailed budget must be provided on the attached project budget form
(Attachment A).
Work required to be performed by licensed contractors. Applicants are asked to provide
up to three quotes, however a single quote from a licensed contractor is acceptable if
pricing is in line with industry standards and vendor availability make it difficult to
complete the project in a timely manner. All quotes must include a complete description
of the materials to be used. The CRA Director or their designee may require additional
quotes beyond the minimum required when deemed necessary to ensure
reasonableness, competitiveness, or compliance with program requirements.
Circumstances that may trigger a request for additional quotes include, but are not
limited to:
Project costs that appear inconsistent with industry standards or recent
comparable projects;
o Limited availability of qualified vendors or potential conflicts of interest; or
o Substantial changes to the project scope or materials after the initial quote is
submitted
o If work is performed by non-licensed workers, then only materials purchased will
be eligible for grant funds, unless the work performed was required to be
performed by a licensed individual per City codes.
Portions of the project costs not funded by the requested grant must be provided by
Owner funding. Owner funding may consist of bank loans, lines of credit, a Home
Rehabilitation Loan from the city’s Economic Development and Housing Department,
and owned assets (Owner Equity), etc.
Owner must demonstrate their source of the Owner Funding and their ability to meet the
financial obligations of the Program prior to Program approval.
Proceeds from other City-managed financial assistance programs may be used as
Owner Equity to satisfy the Owner Funding requirements of this Program and may be
used to assist with funding of remaining portion of larger improvement project. Grant
funds cannot be used as Owner Equity to satisfy the Owner Funding requirements of
other City-managed financial assistance programs.
Grant Application Process
7
Submittal of an application does not guarantee a grant award.
Grant preference will be given to Applicants at or below 80% AMI, applicants 65 years of
age and above, and the disabled.
Completed applications that meet all the Program requirements will be reviewed by the
CRA Director.
The CRA Director will approve or deny applications based on the criteria set forth in this
document.
Incomplete applications will not be considered submitted until all required documentation
has been submitted to Community Redevelopment Agency Department staff.
All construction/design contracts will be between the Applicant and the contractor/design
professional.
SECTION 6 – DISBURSEMENT POLICY AND PROCEDURE
Grant funds will, unless otherwise approved by the CRA Director to allow initial project deposits
or other necessary draws, up to fifty percent of the total grant amount, to be paid directly to the
applicant, be disbursed upon a “Finding of Project Completion” by CRA Director. A “Finding
of Project Completion” will be granted when the following criteria are met:
1) Applicant must demonstrate their ability to meet the financial match/obligations of the
Program and any required community service has been completed by qualifying
applicants.
2) Requests for disbursement of project costs will be viewed as a single, completed
package, unless prior disbursement of funds arrangements have been made to pay
licensed contractors directly (no more than one payment within a 30-day period).
Costs not included in the approved application budget will not be considered for
disbursement.
3) Required documentation for disbursement of project costs must include:
a. Copies of cancelled checks, certified checks or money orders of project costs, or
credit card statements of project cost;
b. Detailed invoices and paid receipts signed, dated, and marked “paid in full;”
c. Name, address, telephone number of design professional(s), general contractor,
etc.; and
d. Photos of the project (before and after photos).
4) The Applicant must have obtained all necessary/required permits (e.g. zoning and
building), passed all required inspections, and prior to final disbursement of funds
received (if relevant) notice, in the form of a Certificate of Occupancy or Certificate of
Completion for the project demonstrating the legal occupancy of the project area. Any
work performed without a permit that required a permit will not be eligible for
grant funding.
5) The CRA disburses funds to grant recipients within 30 days of fully completed
reimbursement request.
SECTION 7 – GRANT EXPIRATION
8
Applicants must receive a “Finding of Project Completion” within 365 calendar days from the
date of application approval. After the said 3 days, the grant will expire. An extension for the
grant funds may be granted by the CRA Director for a good cause. It is the responsibility of the
Applicant to request, in writing, from the CRA Director an extension of the grant approval before
the expiration date.
SECTION 8 – COMPLIANCE WITH THE CITY OF CLEARWATER ETHICS CODE
The applicant will comply with all applicable City rules and regulations including the City's Ethics
Codes. Moreover, each applicant to the Program acknowledges and understands that the City's
Ethics Code prohibit City employees from receiving any benefit, direct or indirect, from any
contract or obligation entered with the City.
9
SECTION 9 – APPLICATION
1) Applicant (Property Owner)
Full Legal Name(s):
Mailing Address:
City/State/Zip:
Phone Number: E-mail Address:
2) Subject Property
Address commonly known as:
Parcel Identification Number(s):
3) Project description, scope of work to be performed, sketch plans and
specifications detailing the scope of work (provide attachment(s) if needed).
(Applicant understands that depending on the project, certain city departments
may require additional documentation, plans, etc. to properly review and approve
the proposed project described in this application.)
10
4) Financial and Other Disclosures
Annual Household Income: $
(Income examples (not limited to the following): employment or self-employment income, Social Security,
Pension, Disability, etc.)
Household Size (total number of members residing in the home): #
Is the subject property current with: (if applicable)
Property Tax Payments: Yes______ No______(must provide copies of property tax payment)
If no, please explain
Mortgage Payments: Yes______ No______ (must provide copies of mortgage statement)
If no, please explain
Is the subject property current in compliance with City codes and regulations?
Yes______ No______
If no, please explain
Have you received a loan or grant assistance from a city-managed financial
assistance program for a project at the subject property?
Yes____ No ____
If yes, please specify the program(s), dates received, and the loan/grant amount(s) below
or provide attachment(s).
Program Name:
Date Received: Amount Received $
Program Name:
Date Received: Amount Received $
5) Amount of Grant Requested under this program: $
Yes____ No ____
11
12
Attachment A - Project Budget Form
(Attach contractor/vendor estimates/quotes for consistency verification of items listed below. Contractor/vendor estimates/quotes
improvement item descriptions and cost will supersede if improvement item descriptions and cost are listed different below. If more
project budget form lines are need, Applicant may duplicate budget template below on separate sheet. If new Project Budget Form
is created, write “See Attached” in Line No. 1 below.)
For Applicant Use For staff use only
Line
Item No.
Improvement(s) Item Description
(Including construction materials, labor,
permitting, other fees, etc.)
Improvement(s)
Cost Amount
Line Item Eligible for
Grant Consideration
Yes/No
Cost Amount
Eligible for
Grant
1 $ $
2 $ $
3 $ $
4 $ $
5 $ $
6 $ $
7 $ $
8 $ $
9 $ $
10 $ $
11 $ $
12 $ $
13 $ $
14 $ $
15 $ $
16 $ $
17 $ $
Total Improvement(s) Cost Amount $
Total Cost Amount
Eligible for Grant
Consideration
$
Line No. For Staff Use Only
1 Total Cost Amount Eligible for Grant Consideration (from “Attachment A” above and/or from
attached contractor estimates/quotes. $
2 Amount of Grant Requested under this program (Section 9, question 5 of Application). $
3 Enter the amount with the lower monetary value from either Line No. 1 or Line No. 2. $
4 Enter required Applicant Contribution/Match (5% contribution/match, see Section 3 of Grant
Program). $
5 Subtract Line No. 4 from Line No. 3 and enter amount. $
6
Enter value of eligible community service hours for contribution/match waiver, if applicable.
(See Section 3 of Grant Program for value of service hours).
Number of service hours approved by CRA Director: _________.
$
7 Add Line No. 6 to amount in Line No. 5 and enter amount. $
8 Enter amount from Line No. 7. This is eligible grant award amount to enter in approval letter: $
13
PLEASE NOTE:
For multiple signers: This Application may be executed in one or more counterparts, each of
which when executed and delivered, shall be an original, but all such counterparts shall
constitute one and the same instrument.
I ACKNOWLEDGE THAT I HAVE RECEIVED AND UNDERSTAND THE GRANT GUIDELINES
HEREIN ABOVE STATED. IN ADDITION, BY EXECUTING THIS APPLICATION, I
ACKNOWLEDGE THAT I AM LAWFULLY AUTHORIZED TO EXECUTE THIS APPLICATION
AND THAT ALL INFORMATION AND STATEMENTS CONTAINED HEREIN AND ON ANY
ATTACHEMENTS ARE TRUE, CORRECT, AND COMPLETE.
Applicant Signature Printed Name
Date
Mail or hand deliver completed application form to:
Community Redevelopment Agency
City of Clearwater / 100 S. Myrtle Avenue, Clearwater, FL 33755
For question call the Community Redevelopment Department at 727-562-4039
14
SECTION 10 – ELIGIBLE CRA AREA MAP
Cover Memo
City of Clearwater Main Library - Council
Chambers
100 N. Osceola Avenue
Clearwater, FL 33755
File Number: ID#25-1334
Agenda Date: 1/12/2026 Status: Agenda ReadyVersion: 1
File Type: Action ItemIn Control: Community Redevelopment Agency
Agenda Number: 4.5
SUBJECT/RECOMMENDATION:
Approve an increase to the maximum award amount for the North Greenwood Commercial Grant
Program from $75,000.00 to $100,000.00.
SUMMARY:
The North Greenwood Commercial Grant Program was established to encourage reinvestment in
commercial properties, support small businesses, and stimulate economic activity within the North
Greenwood CRA. The program currently allows for a maximum grant award of $75,000 per eligible
project. Since implementation, staff has seen increased construction costs, higher material and labor
expenses associated with commercial rehabilitation and build-out projects.
Increasing the maximum grant award from $75,000 to $100,000 would allow the program to better
respond to current market conditions and provide sufficient gap financing for higher-impact commercial
projects. This adjustment would improve the program’s competitiveness, encourage greater private
investment, and support the CRA’s broader objectives of strengthening commercial corridors and
expanding economic opportunities in North Greenwood.
The proposed increase would not alter program eligibility criteria, reimbursement requirements, or
oversight processes. All grant awards would continue to be subject to available funding and
administrative approval in accordance with established CRA policies.
STRATEGIC PRIORITY:
2.1 Strengthen public-private initiatives that attract, develop, and retain diversified business sectors.
2.2 Cultivate a business climate that welcomes entrepreneurship, inspires local investment, supports
Eco-friendly enterprises, and encourages high-quality job growth.
2.3 Promote Clearwater as a premier destination for entertainment, cultural experiences, tourism, and
national sporting events.
3.1 Support neighborhood identity through services and programs that empower community pride and
belonging.
Page 1 City of Clearwater Printed on 1/6/2026
COMMERICAL GRANT
PROGRAM
&
APPLICATION FORM
City of Clearwater Community Redevelopment Agency
North Greenwood Community Redevelopment Area
1
Commercial Grant Program & Application Form
Approved by the CRA Trustees on July 15, 2024
TABLE OF CONTENTS
SECTION 1 – PROGRAM OVERVIEW ........................................................................................................ 2
SECTION 2 – PURPOSE AND INTENT ....................................................................................................... 2
SECTION 3 – AVAILABLE ASSISTANCE .................................................................................................... 3
SECTION 4 – ELIGIBLE PROPERTY AND APPLICANT ............................................................................ 4
SECTION 5 – ELIGIBLE IMPROVEMENTS ................................................................................................. 5
SECTION 6 – REQUIREMENTSS, REVIEW & APPROVAL PROCESS ..................................................... 6
SECTION 7 – DISBURSEMENT POLICY AND PROCEDURE ................................................................... 7
SECTION 8 – GRANT EXPIRATION ............................................................................................................ 8
SECTION 9 – ALTERATIONS AND MAINTENANCE .................................................................................. 8
SECTION 10 – COMPLIANCE WITH THE CITY OF CLEARWATER ETHICS CODE ................................ 8
SECTION 11 – APPLICATION ..................................................................................................................... 9
SECTION 12 – ELIGIBLE CRA AREA MAP ............................................................................................... 12
SECTION 13 – ATTACHMENT A – PROJECT BUDGET .......................................................................... 13
2
COMMERCIAL GRANT PROGRAM
The Program provides grants up to $ $100,000.
SECTION 1 – PROGRAM OVERVIEW
The Commercial Grant Program (Program) is designed to promote reinvestment in business
development and incentivize commercial property owners and business owners located within
the North Greenwood Community Redevelopment Area (NGCRA) to make building, structural,
and site improvements to their property. In addition, the Program will aid to create a positive
visual impact on the image and character of the community. The Program aims to strengthen
local businesses – improving their competitiveness, productivity, capacity, job creation abilities –
and promotes a business-friendly atmosphere.
SECTION 2 – PURPOSE AND INTENT
The purpose of the Program is to support the implementation of the adopted Community
Redevelopment Area Plan (Plan) for the North Greenwood Community Redevelopment Area in
accordance with the Florida Community Redevelopment Act of 1969. Sections 163.330, et seq.,
Florida Statutes, by:
1) Carrying out plans for a program of voluntary or compulsory repair and rehabilitation of
buildings or other improvements in accordance with the community redevelopment plan
(Sections 163.370(2)(c)(5), Florida Statutes).
2) All plan recommendations must be implemented in, or benefit residents and businesses
located in this defined area (NGCRA boundary) (Plan Section 2.5, Establishment of CRA
Boundaries, page 9).
3) Encourage commercial or mixed-use development along North Martin Luther King Jr.
Avenue (Plan Section 2.6, Public Engagement and Outreach, page 85).
4) Encourage commercial development along Pinellas Trail (Plan Section 2.6, Public
Engagement and Outreach, page 85).
5) Increase access to high paying jobs for the residents of the North Greenwood CRA both
within and outside of the area through workforce development, business assistance
programs, and support for entrepreneurs (Plan Section 3.2 Goals & Objectives, Goal 3
Poverty Reduction, page 93). (NGCRA funds are only applicable within the NGCRA
boundary.)
6) Develop a grant program to fund improvements to commercial buildings, to establish
new businesses, and reduce blight in the North Martin Luther King, Jr. Avenue
commercial corridor (Plan Section 4.5, Plan Implementation, Table 15, Goal 3 Policy
Implementation: Poverty Reduction, page 138).
7) Creating value for the North Greenwood Community Redevelopment Area by (themes
stressed throughout the Plan):
a. Promoting a business, consumer, family and resident friendly atmosphere;
b. Creating more dining, retail, and entertainment opportunities;
c. Creating additional employment opportunities;
3
d. Promoting infill and adaptive reuse of properties;
e. Incentivizing property owners to enhance the value of their respective property;
f. Encouraging private investment in the improvement of commercial properties;
g. Reducing vacancies in commercial buildings; and
h. Increasing the functionality of existing buildings.
It is the intent of this Program to attract or improve the following types of businesses to the CRA
(not limited to the following):
Retail;
Restaurants and food services (e.g., full-service sit-down restaurants, fast food
restaurants, buffet or cafeteria restaurants, coffeehouse/shops with food component,
cafes, bistros, delicatessens, bakeries, grocery stores, etc.);
Micro-brewery;
Personal services (e.g., barber, salons, beauty shops, tailors, childcare, etc.);
Art studios and galleries;
Co-working space; and
Professional offices.
In addition, it is the intent of this Program to incentivize improvements to the area that go
beyond what is required by the City’s development codes to enhance the form, function, and
design quality of the redevelopment area. It is not the intent of the CRA to engage in any
rehabilitation activity that requires vacating property or displacing any business establishments
or residents from property. Moreover, it is not the intent of this Program to assist in the
development of new construction projects on vacant land. Rather, it is to rehabilitate and
enhance area commercial structures exhibiting deterioration and decline.
SECTION 3 – AVAILABLE ASSISTANCE
The Program provides a grant up to $$100,000to assist applicants with improvements to
commercial properties. To qualify for Program grant funds, the Applicant must match the grant
amount by the percentage amount listed in Table 1 below, or greater investment, of
private funds or other verifiable grant funds for the rehabilitation and restoration of a
qualifying commercial property located within the NGCRA. The grant is a reimbursement grant
to the Applicant, unless otherwise approved by the CRA Director to pay an approved licensed
contractor/vendor directly, no more than one payment within a 30-day period.
Legacy Credit: Applicants may qualify for a “Legacy Credit” which rewards long-term business
owners located within the NGCRA. The credit works alongside the grant. The credit can reduce
the match all the way down to zero. The Applicant will match the grant amount by the
percentages listed below (must provide proof of matching funds prior to grant approval):
Table 1 Business Owner Grant Match Responsibility
Years of Business Ownership at Property Match Responsibility %
Less than 5 (no Legacy Credit) 40%
5 30%
10 20%
15 10%
20 or more 0%
4
Community Service Credit: In addition, up to 50% of Applicant’s match may be waived at the
rate of one hour of community service per $300 of approved grant amount and be added back
to the grant amount not to exceed $ $100,000. (Community Service must be performed by
Applicant within the NGCRA boundary and through a tax-exempt not-for-profit
organization recognized by the CRA or City of Clearwater. Community service must be
performed without pay or compensation from the organization, and service must be
performed in full hour increments rounding up to the nearest whole hour. Scope of
community service must be pre-approved by the CRA Director, prior to commencement.
In addition, said community service must be performed prior to release of grant funds.)
SECTION 4 – ELIGIBLE PROPERTY AND APPLICANT
To be eligible for the Program, the Applicant must meet all the following qualifications:
Must be the owner* of the subject property.
The business must be an allowable use on the subject property in accordance with the
City’s Land and Building Development Regulations/Codes.
Must be current in all property taxes and City of Clearwater (City) business fees.
Must be in good standing with the city (no outstanding code enforcement or building
code violations). This requirement may be waived by the CRA Director if the work
proposed under this application will remediate all code violations.
Property must be free of code enforcement liens or other City liens.
The business or new proposed business on the property must be an independently
owned and operated local business.
If the business is an independently owned and operated franchise, other franchise
locations associated with the same brand must ONLY be located within the municipal
boundary of the city.
o The proposed business on the property must make independent decisions
regarding its name, signage, brand, appearance, purchasing practices, hiring,
and distribution, and must be solely responsible for paying its own mortgage,
rent, marketing, and other business expenses without assistance from a
corporate headquarters outside of the City limits.
*The owner of the Property (Owner) shall be the Applicant, unless the Owner authorizes a
business owner occupying the property by a valid lease to undertake improvements on the
property. Owner means a holder of any legal or equitable estate in the premises, whether alone
or jointly with others and whether in possession or not shall include all individuals, associations,
partnerships, corporations, limited liability companies and others who have interest in a
structure and any who are in possession or control thereof as agent of the owner, as executor,
administrator, trustee, or guardian of the estate of the owner. No Owner shall receive more than
$75,000 in total CRA grant value across all CRA grant programs within a 12-month rolling year.
For the purposes of this application, the total CRA grant value that an Owner has received over
such period shall be the combined value, in the 12 month period immediately preceding the
submission of an application for this program, of: (1) the amount of CRA grant funds that the
applicant has received; (2) the amount of CRA grant funds that any holder of legal title in the
subject property other than the applicant has received; and (3) if a business entity holds legal
title in the subject property, the total amount of CRA grant funds received by any directors,
members, partners, shareholders, any others with an ownership interest in such entity, and any
others able to exert managerial control over or direct the affairs of said entity.
5
SECTION 5 – ELIGIBLE IMPROVEMENTS
The following improvements or related items may be eligible for Program assistance:
Interior Improvements:
1) Electrical/plumbing upgrades and utility connections;
2) Grease traps/interceptors;
3) Venting, HVAC, mechanical systems, and water heaters;
4) Sprinkler/fire suppression systems, firewalls, life safety improvements;
5) Certain fixed solid waste and recycling management systems;
6) American with Disabilities Act (ADA) systems;
7) Internal structural stabilization systems (e.g., repair and replacement of load bearing
walls, columns, beams/girders, joist, etc.);
8) Interior walls (including drywall), ceilings, floors, doors, and molding;
9) Interior paint;
10) Wall insulation;
11) Certain permanent bathroom and kitchen counter tops, cabinets, sinks;
12) Interior historical restoration; or
13) Other permanent improvements may be submitted for consideration but must
demonstrate that the improvement meets the intent of this grant program.
Exterior Improvements:
1) The repair of exterior walls;
2) Roof repairs or replacement, including facia board, soffits, and gutters;
3) *Decorative fencing;
4) Exterior repainting;
5) Exterior windows and/or doors;
6) Exterior signage;
7) Awnings or canopies over windows or walkways, including shutters, seating areas;
8) The installation, repair, or renovation of porches, patios, plazas;
9) The installation, repair, or renovation of pathways and sidewalks;
10) The installation of decorative lighting, and security lighting;
11) Parking area and driveway improvements;
12) Stormwater drainage improvements for properties with a history of flooding;
13) Bicycle racks, shade areas, benches, or other pedestrian amenities;
14) Certain Crime Prevention Through Environmental Design (CPTED) improvements;
15) ADA accessibility improvements;
16) The removal of deteriorated or undesirable exterior alterations;
17) The installation of landscaping and irrigation systems, not to exceed twenty percent
(20%) of the total grant amount; or
18) Other permanent improvements may be submitted for consideration but must
demonstrate that the improvement meets the intent of this grant program.
*Chain link fencing, with or without slats, wooden stockade, board on board, and wooden picket
fencing are not eligible for the Program.
Other Eligible Items:
1) Predevelopment Cost (architecture, engineering fees, other as approved by CRA
Director) up to $5,000.
The following are ineligible for assistance:
6
1) Past site or building improvements that were completed six months prior to the approval
of this application or completed under unrelated permits to the project permit issued by
the city for improvements identified under this application.
a. Only improvements listed in the itemized budget submitted as part of this
application will be considered for approval.
2) Non-permanent improvements such as, but not limited to, kitchen appliances (e.g.,
stoves, refrigerators, dishwashers, etc.), carpet, furniture, and window blinds;
3) Bars, clubs, and taverns (as defined by the City’s Land Development Code);
4) Assistance to businesses located in residential homes.
5) Repairs to unsafe or substandard structures that cannot be made safe for tenant
occupancy with Program funds.
6) Repairs covered by insurance.
7) Non-permanent improvements.
8) Installation of window or door security bars.
9) Refinancing existing debts, business operational cost, payroll, etc.
10) Mobile Vendors.
11) Not-for-profit entities.
SECTION 6 – REQUIREMENTS, REVIEW & APPROVAL PROCESS
1) All statements and representations made in the application must be correct in all
material respects when made.
2) Grant funding request up to $$100,000– completed applications that meet all the
Program requirements will be reviewed by the CRA Director. The CRA Director will
approve or deny applications based on the criteria set forth in this document.
3) Applicants must schedule an appointment with the Community Redevelopment Agency
Department staff prior to applying. The Community Redevelopment Agency Department
(Department) is located at 600 Cleveland Street, Suite 600, Clearwater, Florida 33755.
To schedule an appointment, contact staff at 727-562-4039. Applications will be received
on an ongoing basis.
4) If applicable, fully executed, and notarized copy of the Owners’ Affidavit form, including
property description and property address. If the forms are prepared and signed by a
representative of the Owner, a legal Power-of-Attorney document must be submitted
with the application.
5) Applicants must submit, as part of the application, design plans and floorplan accurately
delineating the square footage of the improvement area within the commercial structure.
6) Digital photographs of the existing structure, interior and exterior, must be provided with
application.
7) An estimated itemized/detailed budget must be provided on the budget form in the
application.
7
8) Work required to be performed by licensed contractors. Applicant must provide, as
attachments, three quotes from contractors and copies of their licenses. Quotes to
include complete description of materials to be used.
If work is performed by non-licensed workers, then only materials purchased will
be eligible for grant funds, unless the work performed was required to be
performed by a licensed individual per City codes.
9) Portions of the project costs not funded by the requested grant must be provided by
Owner funding. Owner must demonstrate their source of the Owner Funding and their
ability to meet the financial obligations of the Program. Owner funding may consist of
bank loans, lines of credit, grants, and owned assets (Owner Equity), etc.
10) Proceeds from other City-managed financial assistance programs may be used as
Owner Equity to satisfy the Owner Funding requirements of this Program and may be
used to assist with funding of remaining portion of larger improvement project. Grant
funds cannot be used as Owner Equity to satisfy the Owner Funding requirements of
other City-managed financial assistance programs.
11) Staff will review the application for completeness, which includes all required
attachments and requested data. A post-application submittal conference will be held
with the Applicant to discuss any issues or deficiencies with the application.
12) Incomplete applications will not be considered submitted until all required documentation
has been submitted to Community Redevelopment Agency Department staff. Submittal
of an application does not guarantee a grant award.
13) The Applicant will be required to obtain quotes/estimates from licensed
contractors/design professionals for eligible improvements and submit said
quotes/estimates as part of the grant application submission.
14) All construction/design contracts will be between the Applicant and the contractor or
design professional.
SECTION 7 – DISBURSEMENT POLICY AND PROCEDURE
Grant funds will, unless otherwise approved by the CRA Director to allow initial project deposits
or other necessary draws, up to fifty percent of the grant amount, to be paid directly to a
City/CRA approved licensed contractor/vendor, be disbursed upon a “Finding of Project
Completion” by CRA Director. A “Finding of Project Completion” will be granted when the
following criteria are met:
1) Applicant must demonstrate their ability to meet the financial match/obligations of the
Program and any required community service has been completed by qualifying
applicants.
2) Requests for disbursement of project costs will be viewed as a single, completed
package, unless prior disbursement of funds arrangements have been made to pay
licensed contractors directly (no more than one payment within a 30-day period). Costs
not included in the approved application budget will not be considered for disbursement.
8
3) Required documentation for disbursement of project costs must include:
a) Copies of cancelled checks, certified checks or money orders of project costs, or
credit card statements of project cost;
b) Detailed invoices and paid receipts signed, dated, and marked “paid in full;”
c) Name, address, telephone number of design professional(s), general contractor, etc.;
d) Photographs of the project (before and after photos).
4) The Applicant must have obtained all necessary/required permits (e.g. zoning and
building), passed all required inspections, and prior to final disbursement of funds
received (if relevant) notice, in the form of a Certificate of Occupancy or Certificate of
Completion for the project demonstrating the legal occupancy of the project area. Any
work performed without a permit that required a permit will not be eligible for
grant funding.
5) The CRA disburses funds to grant recipients within 30 days of fully completed
reimbursement request.
SECTION 8 – GRANT EXPIRATION
Applicants must receive a “Finding of Project Completion” within 365 calendar days from the
date of application approval. After the said 365 days, the grant will expire. An extension for the
grant funds may be granted by the CRA Director for a good cause. It is the responsibility of the
Applicant to request an extension of the grant approval before the expiration date.
SECTION 9 – ALTERATIONS AND MAINTENANCE
The improvements will be maintained in accordance with City policies, codes and any other
applicable requirements identified by the City, CRA, or other agencies for a period not less than
three years, or upon written approval by CRA Director.
SECTION 10 – COMPLIANCE WITH THE CITY OF CLEARWATER ETHICS CODE
The applicant will comply with all applicable City rules and regulations including the City's Ethics
Codes. Moreover, each applicant to the Program acknowledges and understands that the City's
Ethics Code prohibit City employees from receiving any benefit, direct or indirect, from any
contract or obligation entered with the City.
9
SECTION 11 – APPLICATION
COMMERCIAL GRANT PROGRAM
1) Applicant (Property Owner)
Entity Name (if any):
Full Legal Name and Title (if any):
Mailing Address:
City/State/Zip:
Phone Number: E-mail Address:
Web Site (if available):
2) Authorized Agent (If applicable)
Entity Name (if any):
Full Legal Name and Title (if any):
Mailing Address:
City/State/Zip:
Phone Number: E-mail Address:
3) Subject Property/Location of Proposed Project
Address commonly known as:
Parcel Identification Number(s) or Folio Number(s):
Property is designated as a Local Historic Landmark: Yes ___ No ___
4) Project description, scope of work to be performed, sketch plans and specifications
detailing the scope of work (provide attachment if needed). Applicant understands
that depending on the project, certain City Departments may require additional
documentation, plans, etc. to properly review and approve the proposed project
described in this application.
Case Number:
10
5) Describe existing uses and conditions on the property (include photographs as
attachments):
6) Financial Disclosure
Amount of Grant Requested: $
Project Budget – Sources/Uses of Funds (complete Attachment A: Project Budget)
Owner Equity
(Applicant’s contribution verified by
staff):
$
Other Funds: $
Grant Request: $
Total Project Funding: $
My Property Is up to date with taxes, fees, and complies with City codes and regulations:
Yes____ No ____
If the Applicant has received loan or grant assistance from a city-managed financial
assistance program for a project at this address, please specify the program(s) and the
loan/grant amount(s).
1. $
2. $
PLEASE NOTE: Grants are awarded on a first come, first qualified basis until funds have
been depleted.
I UNDERSTAND THAT IN ORDER FOR MY REQUEST FOR GRANT FUNDING TO BE
APPROVED, I MUST AGREE TO THE FOLLOWING CONDITIONS:
1) To adhere to the application procedures and guidelines as specified.
2) That additional improvements or changes not approved in the original grant application
will not be funded by the CRA.
11
3) That disbursement of grant funds will only occur after:
a) All improvements have been completed or as otherwise approved by the CRA Director;
b) Inspections of the improvements are approved by the appropriate City Officials or other
required authorities, if any; and
c) Proof of payment, as described in this document, for project costs approved in the
grant application.
I ACKNOWLEDGE THAT I HAVE RECEIVED AND UNDERSTAND THE GRANT GUIDELINES
HEREIN ABOVE STATED. IN ADDITION, BY EXECUTING THIS APPLICATION, I
ACKNOWLEDGE THAT I AM LAWFULLY AUTHORIZED TO EXECUTE THIS APPLICATION.
Entity Name (if any)
Applicant Signature Printed Name and Title (if any)
Date
Mail or hand deliver completed application form to:
Community Redevelopment Agency
City of Clearwater / 100 South Mrytle Ave / Clearwater, FL 33756
For question call the Community Redevelopment Department at 727-562-4039
12
SECTION 13 – ELIGIBLE CRA AREA MAP
13
SECTION 12 – ATTACHMENT A – PROJECT BUDGET
Attachment A - Project Budget Form
(Attach contractor/vendor estimates/quotes for consistency verification of items listed below. Contractor/vendor
estimates/quotes improvement item descriptions and cost will supersede if improvement item descriptions and cost
are listed different below. If more project budget form lines are need, Applicant may duplicate budget template below
on separate sheet. If new Project Budget Form is created, write “See Attached” in Line No. 1 below.)
For Applicant Use For staff use only
Line Item
No.
Improvement(s) Item Description
(Including construction materials, labor,
permitting, other fees, etc.)
Improvement(s)
Cost Amount
Line Item Eligible for
Grant Consideration
Yes/No
Cost Amount
Eligible for
Grant
1 $ $
2 $ $
3 $ $
4 $ $
5 $ $
6 $ $
7 $ $
8 $ $
9 $ $
10 $ $
11 $ $
12 $ $
13 $ $
14 $ $
15 $ $
16 $ $
17 $ $
Total Improvement(s) Cost Amount $ Total Cost Amount
Eligible for Grant
Consideration $
Line No. For Staff Use Only
1 Total Cost Amount Eligible for Grant Consideration (from “Attachment A” above and/or
from attached contractor estimates/quotes. $
2 Amount of Grant Requested under this program (Section 9, question 5 of Application). $
3 Enter the amount with the lower monetary value from either Line No. 1 or Line No. 2. $
4 Enter required Applicant Contribution/Match contribution/match, see Section 3 of Grant
Program). $
5 Subtract Line No. 4 from Line No. 3 and enter amount. $
6
Enter value of eligible community service hours for contribution/match waiver, if
applicable.
(See Section 3 of Grant Program for value of service hours).
Number of service hours approved by CRA Director: _________.
$
7 Add Line No. 6 to amount in Line No. 5 and enter amount. $
8 Enter amount from Line No. 7. This is eligible grant award amount to enter in
approval letter: $
14
Authorized Signature: Date:
COMMERICAL GRANT
PROGRAM
&
APPLICATION FORM
City of Clearwater Community Redevelopment Agency
North Greenwood Community Redevelopment Area
1
Commercial Grant Program & Application Form
Approved by the CRA Trustees on July 15, 2024
TABLE OF CONTENTS
SECTION 1 – PROGRAM OVERVIEW ........................................................................................................ 2
SECTION 2 – PURPOSE AND INTENT ....................................................................................................... 2
SECTION 3 – AVAILABLE ASSISTANCE .................................................................................................... 3
SECTION 4 – ELIGIBLE PROPERTY AND APPLICANT ............................................................................ 4
SECTION 5 – ELIGIBLE IMPROVEMENTS ................................................................................................. 5
SECTION 6 – REQUIREMENTSS, REVIEW & APPROVAL PROCESS ..................................................... 6
SECTION 7 – DISBURSEMENT POLICY AND PROCEDURE ................................................................... 7
SECTION 8 – GRANT EXPIRATION ............................................................................................................ 8
SECTION 9 – ALTERATIONS AND MAINTENANCE .................................................................................. 8
SECTION 10 – COMPLIANCE WITH THE CITY OF CLEARWATER ETHICS CODE ................................ 8
SECTION 11 – APPLICATION ..................................................................................................................... 9
SECTION 12 – ELIGIBLE CRA AREA MAP ............................................................................................... 12
SECTION 13 – ATTACHMENT A – PROJECT BUDGET .......................................................................... 13
2
COMMERCIAL GRANT PROGRAM
The Program provides grants up to $ $100,000.
SECTION 1 – PROGRAM OVERVIEW
The Commercial Grant Program (Program) is designed to promote reinvestment in business
development and incentivize commercial property owners and business owners located within
the North Greenwood Community Redevelopment Area (NGCRA) to make building, structural,
and site improvements to their property. In addition, the Program will aid to create a positive
visual impact on the image and character of the community. The Program aims to strengthen
local businesses – improving their competitiveness, productivity, capacity, job creation abilities –
and promotes a business-friendly atmosphere.
SECTION 2 – PURPOSE AND INTENT
The purpose of the Program is to support the implementation of the adopted Community
Redevelopment Area Plan (Plan) for the North Greenwood Community Redevelopment Area in
accordance with the Florida Community Redevelopment Act of 1969. Sections 163.330, et seq.,
Florida Statutes, by:
1) Carrying out plans for a program of voluntary or compulsory repair and rehabilitation of
buildings or other improvements in accordance with the community redevelopment plan
(Sections 163.370(2)(c)(5), Florida Statutes).
2) All plan recommendations must be implemented in, or benefit residents and businesses
located in this defined area (NGCRA boundary) (Plan Section 2.5, Establishment of CRA
Boundaries, page 9).
3) Encourage commercial or mixed-use development along North Martin Luther King Jr.
Avenue (Plan Section 2.6, Public Engagement and Outreach, page 85).
4) Encourage commercial development along Pinellas Trail (Plan Section 2.6, Public
Engagement and Outreach, page 85).
5) Increase access to high paying jobs for the residents of the North Greenwood CRA both
within and outside of the area through workforce development, business assistance
programs, and support for entrepreneurs (Plan Section 3.2 Goals & Objectives, Goal 3
Poverty Reduction, page 93). (NGCRA funds are only applicable within the NGCRA
boundary.)
6) Develop a grant program to fund improvements to commercial buildings, to establish
new businesses, and reduce blight in the North Martin Luther King, Jr. Avenue
commercial corridor (Plan Section 4.5, Plan Implementation, Table 15, Goal 3 Policy
Implementation: Poverty Reduction, page 138).
7) Creating value for the North Greenwood Community Redevelopment Area by (themes
stressed throughout the Plan):
a. Promoting a business, consumer, family and resident friendly atmosphere;
b. Creating more dining, retail, and entertainment opportunities;
c. Creating additional employment opportunities;
3
d. Promoting infill and adaptive reuse of properties;
e. Incentivizing property owners to enhance the value of their respective property;
f. Encouraging private investment in the improvement of commercial properties;
g. Reducing vacancies in commercial buildings; and
h. Increasing the functionality of existing buildings.
It is the intent of this Program to attract or improve the following types of businesses to the CRA
(not limited to the following):
Retail;
Restaurants and food services (e.g., full-service sit-down restaurants, fast food
restaurants, buffet or cafeteria restaurants, coffeehouse/shops with food component,
cafes, bistros, delicatessens, bakeries, grocery stores, etc.);
Micro-brewery;
Personal services (e.g., barber, salons, beauty shops, tailors, childcare, etc.);
Art studios and galleries;
Co-working space; and
Professional offices.
In addition, it is the intent of this Program to incentivize improvements to the area that go
beyond what is required by the City’s development codes to enhance the form, function, and
design quality of the redevelopment area. It is not the intent of the CRA to engage in any
rehabilitation activity that requires vacating property or displacing any business establishments
or residents from property. Moreover, it is not the intent of this Program to assist in the
development of new construction projects on vacant land. Rather, it is to rehabilitate and
enhance area commercial structures exhibiting deterioration and decline.
SECTION 3 – AVAILABLE ASSISTANCE
The Program provides a grant up to $$100,000to assist applicants with improvements to
commercial properties. To qualify for Program grant funds, the Applicant must match the grant
amount by the percentage amount listed in Table 1 below, or greater investment, of
private funds or other verifiable grant funds for the rehabilitation and restoration of a
qualifying commercial property located within the NGCRA. The grant is a reimbursement grant
to the Applicant, unless otherwise approved by the CRA Director to pay an approved licensed
contractor/vendor directly, no more than one payment within a 30-day period.
Legacy Credit: Applicants may qualify for a “Legacy Credit” which rewards long-term business
owners located within the NGCRA. The credit works alongside the grant. The credit can reduce
the match all the way down to zero. The Applicant will match the grant amount by the
percentages listed below (must provide proof of matching funds prior to grant approval):
Table 1 Business Owner Grant Match Responsibility
Years of Business Ownership at Property Match Responsibility %
Less than 5 (no Legacy Credit) 40%
5 30%
10 20%
15 10%
20 or more 0%
4
Community Service Credit: In addition, up to 50% of Applicant’s match may be waived at the
rate of one hour of community service per $300 of approved grant amount and be added back
to the grant amount not to exceed $ $100,000. (Community Service must be performed by
Applicant within the NGCRA boundary and through a tax-exempt not-for-profit
organization recognized by the CRA or City of Clearwater. Community service must be
performed without pay or compensation from the organization, and service must be
performed in full hour increments rounding up to the nearest whole hour. Scope of
community service must be pre-approved by the CRA Director, prior to commencement.
In addition, said community service must be performed prior to release of grant funds.)
SECTION 4 – ELIGIBLE PROPERTY AND APPLICANT
To be eligible for the Program, the Applicant must meet all the following qualifications:
Must be the owner* of the subject property.
The business must be an allowable use on the subject property in accordance with the
City’s Land and Building Development Regulations/Codes.
Must be current in all property taxes and City of Clearwater (City) business fees.
Must be in good standing with the city (no outstanding code enforcement or building
code violations). This requirement may be waived by the CRA Director if the work
proposed under this application will remediate all code violations.
Property must be free of code enforcement liens or other City liens.
The business or new proposed business on the property must be an independently
owned and operated local business.
If the business is an independently owned and operated franchise, other franchise
locations associated with the same brand must ONLY be located within the municipal
boundary of the city.
o The proposed business on the property must make independent decisions
regarding its name, signage, brand, appearance, purchasing practices, hiring,
and distribution, and must be solely responsible for paying its own mortgage,
rent, marketing, and other business expenses without assistance from a
corporate headquarters outside of the City limits.
*The owner of the Property (Owner) shall be the Applicant, unless the Owner authorizes a
business owner occupying the property by a valid lease to undertake improvements on the
property. Owner means a holder of any legal or equitable estate in the premises, whether alone
or jointly with others and whether in possession or not shall include all individuals, associations,
partnerships, corporations, limited liability companies and others who have interest in a
structure and any who are in possession or control thereof as agent of the owner, as executor,
administrator, trustee, or guardian of the estate of the owner. No Owner shall receive more than
$75,000 in total CRA grant value across all CRA grant programs within a 12-month rolling year.
For the purposes of this application, the total CRA grant value that an Owner has received over
such period shall be the combined value, in the 12 month period immediately preceding the
submission of an application for this program, of: (1) the amount of CRA grant funds that the
applicant has received; (2) the amount of CRA grant funds that any holder of legal title in the
subject property other than the applicant has received; and (3) if a business entity holds legal
title in the subject property, the total amount of CRA grant funds received by any directors,
members, partners, shareholders, any others with an ownership interest in such entity, and any
others able to exert managerial control over or direct the affairs of said entity.
5
SECTION 5 – ELIGIBLE IMPROVEMENTS
The following improvements or related items may be eligible for Program assistance:
Interior Improvements:
1) Electrical/plumbing upgrades and utility connections;
2) Grease traps/interceptors;
3) Venting, HVAC, mechanical systems, and water heaters;
4) Sprinkler/fire suppression systems, firewalls, life safety improvements;
5) Certain fixed solid waste and recycling management systems;
6) American with Disabilities Act (ADA) systems;
7) Internal structural stabilization systems (e.g., repair and replacement of load bearing
walls, columns, beams/girders, joist, etc.);
8) Interior walls (including drywall), ceilings, floors, doors, and molding;
9) Interior paint;
10) Wall insulation;
11) Certain permanent bathroom and kitchen counter tops, cabinets, sinks;
12) Interior historical restoration; or
13) Other permanent improvements may be submitted for consideration but must
demonstrate that the improvement meets the intent of this grant program.
Exterior Improvements:
1) The repair of exterior walls;
2) Roof repairs or replacement, including facia board, soffits, and gutters;
3) *Decorative fencing;
4) Exterior repainting;
5) Exterior windows and/or doors;
6) Exterior signage;
7) Awnings or canopies over windows or walkways, including shutters, seating areas;
8) The installation, repair, or renovation of porches, patios, plazas;
9) The installation, repair, or renovation of pathways and sidewalks;
10) The installation of decorative lighting, and security lighting;
11) Parking area and driveway improvements;
12) Stormwater drainage improvements for properties with a history of flooding;
13) Bicycle racks, shade areas, benches, or other pedestrian amenities;
14) Certain Crime Prevention Through Environmental Design (CPTED) improvements;
15) ADA accessibility improvements;
16) The removal of deteriorated or undesirable exterior alterations;
17) The installation of landscaping and irrigation systems, not to exceed twenty percent
(20%) of the total grant amount; or
18) Other permanent improvements may be submitted for consideration but must
demonstrate that the improvement meets the intent of this grant program.
*Chain link fencing, with or without slats, wooden stockade, board on board, and wooden picket
fencing are not eligible for the Program.
Other Eligible Items:
1) Predevelopment Cost (architecture, engineering fees, other as approved by CRA
Director) up to $5,000.
The following are ineligible for assistance:
6
1) Past site or building improvements that were completed six months prior to the approval
of this application or completed under unrelated permits to the project permit issued by
the city for improvements identified under this application.
a. Only improvements listed in the itemized budget submitted as part of this
application will be considered for approval.
2) Non-permanent improvements such as, but not limited to, kitchen appliances (e.g.,
stoves, refrigerators, dishwashers, etc.), carpet, furniture, and window blinds;
3) Bars, clubs, and taverns (as defined by the City’s Land Development Code);
4) Assistance to businesses located in residential homes.
5) Repairs to unsafe or substandard structures that cannot be made safe for tenant
occupancy with Program funds.
6) Repairs covered by insurance.
7) Non-permanent improvements.
8) Installation of window or door security bars.
9) Refinancing existing debts, business operational cost, payroll, etc.
10) Mobile Vendors.
11) Not-for-profit entities.
SECTION 6 – REQUIREMENTS, REVIEW & APPROVAL PROCESS
1) All statements and representations made in the application must be correct in all
material respects when made.
2) Grant funding request up to $$100,000– completed applications that meet all the
Program requirements will be reviewed by the CRA Director. The CRA Director will
approve or deny applications based on the criteria set forth in this document.
3) Applicants must schedule an appointment with the Community Redevelopment Agency
Department staff prior to applying. The Community Redevelopment Agency Department
(Department) is located at 600 Cleveland Street, Suite 600, Clearwater, Florida 33755.
To schedule an appointment, contact staff at 727-562-4039. Applications will be received
on an ongoing basis.
4) If applicable, fully executed, and notarized copy of the Owners’ Affidavit form, including
property description and property address. If the forms are prepared and signed by a
representative of the Owner, a legal Power-of-Attorney document must be submitted
with the application.
5) Applicants must submit, as part of the application, design plans and floorplan accurately
delineating the square footage of the improvement area within the commercial structure.
6) Digital photographs of the existing structure, interior and exterior, must be provided with
application.
7) An estimated itemized/detailed budget must be provided on the budget form in the
application.
7
8) Work required to be performed by licensed contractors. Applicant must provide, as
attachments, three quotes from contractors and copies of their licenses. Quotes to
include complete description of materials to be used.
If work is performed by non-licensed workers, then only materials purchased will
be eligible for grant funds, unless the work performed was required to be
performed by a licensed individual per City codes.
9) Portions of the project costs not funded by the requested grant must be provided by
Owner funding. Owner must demonstrate their source of the Owner Funding and their
ability to meet the financial obligations of the Program. Owner funding may consist of
bank loans, lines of credit, grants, and owned assets (Owner Equity), etc.
10) Proceeds from other City-managed financial assistance programs may be used as
Owner Equity to satisfy the Owner Funding requirements of this Program and may be
used to assist with funding of remaining portion of larger improvement project. Grant
funds cannot be used as Owner Equity to satisfy the Owner Funding requirements of
other City-managed financial assistance programs.
11) Staff will review the application for completeness, which includes all required
attachments and requested data. A post-application submittal conference will be held
with the Applicant to discuss any issues or deficiencies with the application.
12) Incomplete applications will not be considered submitted until all required documentation
has been submitted to Community Redevelopment Agency Department staff. Submittal
of an application does not guarantee a grant award.
13) The Applicant will be required to obtain quotes/estimates from licensed
contractors/design professionals for eligible improvements and submit said
quotes/estimates as part of the grant application submission.
14) All construction/design contracts will be between the Applicant and the contractor or
design professional.
SECTION 7 – DISBURSEMENT POLICY AND PROCEDURE
Grant funds will, unless otherwise approved by the CRA Director to allow initial project deposits
or other necessary draws, up to fifty percent of the grant amount, to be paid directly to a
City/CRA approved licensed contractor/vendor, be disbursed upon a “Finding of Project
Completion” by CRA Director. A “Finding of Project Completion” will be granted when the
following criteria are met:
1) Applicant must demonstrate their ability to meet the financial match/obligations of the
Program and any required community service has been completed by qualifying
applicants.
2) Requests for disbursement of project costs will be viewed as a single, completed
package, unless prior disbursement of funds arrangements have been made to pay
licensed contractors directly (no more than one payment within a 30-day period). Costs
not included in the approved application budget will not be considered for disbursement.
8
3) Required documentation for disbursement of project costs must include:
a) Copies of cancelled checks, certified checks or money orders of project costs, or
credit card statements of project cost;
b) Detailed invoices and paid receipts signed, dated, and marked “paid in full;”
c) Name, address, telephone number of design professional(s), general contractor, etc.;
d) Photographs of the project (before and after photos).
4) The Applicant must have obtained all necessary/required permits (e.g. zoning and
building), passed all required inspections, and prior to final disbursement of funds
received (if relevant) notice, in the form of a Certificate of Occupancy or Certificate of
Completion for the project demonstrating the legal occupancy of the project area. Any
work performed without a permit that required a permit will not be eligible for
grant funding.
5) The CRA disburses funds to grant recipients within 30 days of fully completed
reimbursement request.
SECTION 8 – GRANT EXPIRATION
Applicants must receive a “Finding of Project Completion” within 365 calendar days from the
date of application approval. After the said 365 days, the grant will expire. An extension for the
grant funds may be granted by the CRA Director for a good cause. It is the responsibility of the
Applicant to request an extension of the grant approval before the expiration date.
SECTION 9 – ALTERATIONS AND MAINTENANCE
The improvements will be maintained in accordance with City policies, codes and any other
applicable requirements identified by the City, CRA, or other agencies for a period not less than
three years, or upon written approval by CRA Director.
SECTION 10 – COMPLIANCE WITH THE CITY OF CLEARWATER ETHICS CODE
The applicant will comply with all applicable City rules and regulations including the City's Ethics
Codes. Moreover, each applicant to the Program acknowledges and understands that the City's
Ethics Code prohibit City employees from receiving any benefit, direct or indirect, from any
contract or obligation entered with the City.
9
SECTION 11 – APPLICATION
COMMERCIAL GRANT PROGRAM
1) Applicant (Property Owner)
Entity Name (if any):
Full Legal Name and Title (if any):
Mailing Address:
City/State/Zip:
Phone Number: E-mail Address:
Web Site (if available):
2) Authorized Agent (If applicable)
Entity Name (if any):
Full Legal Name and Title (if any):
Mailing Address:
City/State/Zip:
Phone Number: E-mail Address:
3) Subject Property/Location of Proposed Project
Address commonly known as:
Parcel Identification Number(s) or Folio Number(s):
Property is designated as a Local Historic Landmark: Yes ___ No ___
4) Project description, scope of work to be performed, sketch plans and specifications
detailing the scope of work (provide attachment if needed). Applicant understands
that depending on the project, certain City Departments may require additional
documentation, plans, etc. to properly review and approve the proposed project
described in this application.
Case Number:
10
5) Describe existing uses and conditions on the property (include photographs as
attachments):
6) Financial Disclosure
Amount of Grant Requested: $
Project Budget – Sources/Uses of Funds (complete Attachment A: Project Budget)
Owner Equity
(Applicant’s contribution verified by
staff):
$
Other Funds: $
Grant Request: $
Total Project Funding: $
My Property Is up to date with taxes, fees, and complies with City codes and regulations:
Yes____ No ____
If the Applicant has received loan or grant assistance from a city-managed financial
assistance program for a project at this address, please specify the program(s) and the
loan/grant amount(s).
1. $
2. $
PLEASE NOTE: Grants are awarded on a first come, first qualified basis until funds have
been depleted.
I UNDERSTAND THAT IN ORDER FOR MY REQUEST FOR GRANT FUNDING TO BE
APPROVED, I MUST AGREE TO THE FOLLOWING CONDITIONS:
1) To adhere to the application procedures and guidelines as specified.
2) That additional improvements or changes not approved in the original grant application
will not be funded by the CRA.
11
3) That disbursement of grant funds will only occur after:
a) All improvements have been completed or as otherwise approved by the CRA Director;
b) Inspections of the improvements are approved by the appropriate City Officials or other
required authorities, if any; and
c) Proof of payment, as described in this document, for project costs approved in the
grant application.
I ACKNOWLEDGE THAT I HAVE RECEIVED AND UNDERSTAND THE GRANT GUIDELINES
HEREIN ABOVE STATED. IN ADDITION, BY EXECUTING THIS APPLICATION, I
ACKNOWLEDGE THAT I AM LAWFULLY AUTHORIZED TO EXECUTE THIS APPLICATION.
Entity Name (if any)
Applicant Signature Printed Name and Title (if any)
Date
Mail or hand deliver completed application form to:
Community Redevelopment Agency
City of Clearwater / 100 South Mrytle Ave / Clearwater, FL 33756
For question call the Community Redevelopment Department at 727-562-4039
12
SECTION 13 – ELIGIBLE CRA AREA MAP
13
SECTION 12 – ATTACHMENT A – PROJECT BUDGET
Attachment A - Project Budget Form
(Attach contractor/vendor estimates/quotes for consistency verification of items listed below. Contractor/vendor
estimates/quotes improvement item descriptions and cost will supersede if improvement item descriptions and cost
are listed different below. If more project budget form lines are need, Applicant may duplicate budget template below
on separate sheet. If new Project Budget Form is created, write “See Attached” in Line No. 1 below.)
For Applicant Use For staff use only
Line Item
No.
Improvement(s) Item Description
(Including construction materials, labor,
permitting, other fees, etc.)
Improvement(s)
Cost Amount
Line Item Eligible for
Grant Consideration
Yes/No
Cost Amount
Eligible for
Grant
1 $ $
2 $ $
3 $ $
4 $ $
5 $ $
6 $ $
7 $ $
8 $ $
9 $ $
10 $ $
11 $ $
12 $ $
13 $ $
14 $ $
15 $ $
16 $ $
17 $ $
Total Improvement(s) Cost Amount $ Total Cost Amount
Eligible for Grant
Consideration $
Line No. For Staff Use Only
1 Total Cost Amount Eligible for Grant Consideration (from “Attachment A” above and/or
from attached contractor estimates/quotes. $
2 Amount of Grant Requested under this program (Section 9, question 5 of Application). $
3 Enter the amount with the lower monetary value from either Line No. 1 or Line No. 2. $
4 Enter required Applicant Contribution/Match contribution/match, see Section 3 of Grant
Program). $
5 Subtract Line No. 4 from Line No. 3 and enter amount. $
6
Enter value of eligible community service hours for contribution/match waiver, if
applicable.
(See Section 3 of Grant Program for value of service hours).
Number of service hours approved by CRA Director: _________.
$
7 Add Line No. 6 to amount in Line No. 5 and enter amount. $
8 Enter amount from Line No. 7. This is eligible grant award amount to enter in
approval letter: $
14
Authorized Signature: Date:
Cover Memo
City of Clearwater Main Library - Council
Chambers
100 N. Osceola Avenue
Clearwater, FL 33755
File Number: ID#25-1346
Agenda Date: 1/12/2026 Status: Agenda ReadyVersion: 1
File Type: Action ItemIn Control: Community Redevelopment Agency
Agenda Number: 5.1
SUBJECT/RECOMMENDATION:
Director’s Report for December 2025.
SUMMARY:
Page 1 City of Clearwater Printed on 1/6/2026
|1DOWNTOWN CLEARWATER COMMUNITY REDEVELOPMENT AREA
ZDirector’s Report
December 2025
|2CLEARWATER COMMUNITY REDEVELOPMENT AGENCY
Table of Contents
•Downtown CRA Updates
•North Greenwood CRA Updates
•Property Disposition Updates
|3DOWNTOWN CLEARWATER COMMUNITY REDEVELOPMENT AREA
Downtown CRA Updates
|4DOWNTOWN CLEARWATER COMMUNITY REDEVELOPMENT AREA
Downtown Clearwater - Grant Program Activity FY 24-25
Status Count
Approved / Work in Progress 11
Completed & Paid 13
Funding Summary Amount
Total Funds Approved $1,162,655.83
Funds Paid to Date $478,182.84
Downtown Commercial Grants
|5DOWNTOWN CLEARWATER COMMUNITY REDEVELOPMENT AREA
Reimagine Clearwater Main Library Redevelopment
Initiate outreach to (In progress):
✓Museums and cultural institutions
✓Arts organizations
✓Private developers
The CRA Department is positioning the project for stakeholder
engagement and next-phase implementation.
•Coordinate engagement between CRA and ED&H staff
•Gauge market interest and partnership concepts
•Prepare for future solicitation and partnership discussions
•BluDot System in use (CRM)
Next Steps (Initiated)
|6DOWNTOWN CLEARWATER COMMUNITY REDEVELOPMENT AREA
CRA and PD Partnership
Clearwater Police Department team
members enjoy their new E-bikes funded
by the CRA Department.
Watch Video
|7DOWNTOWN CLEARWATER COMMUNITY REDEVELOPMENT AREA
New Businesses
Cheese Wheel
Pasta & Pizza
1100 Cleveland St. Unit A
Sabroso
1011 Cleveland St.De Facto Cafe
1401 Gulf to Bay Blvd.
|8DOWNTOWN CLEARWATER COMMUNITY REDEVELOPMENT AREA
Next Meeting Date
Date: Tuesday, January 27th
Time: 3:00 pm
Location:Clearwater Main Library
100 N Oceola Ave | 1st Floor Board Room
Representatives from The DeNunzio Group
will share updates on construction projects
at the next CRA Outreach Meeting.
|9NORTH GREENWOOD COMMUNITY REDEVELOPMENT AREA
North Greenwood CRA Updates
|10NORTH GREENWOOD COMMUNITY REDEVELOPMENT AREA
North Greenwood CRA Grants
NGCRA Commercial Grants (FY 2024–25 YTD)Funding Summary
Funding Category Amount ($)
Total Funds Approved $449,516.91
Total Funds Reimbursed $249,875.4
Metric Count
Approved Projects 3
Projects with Work Completed 2
Metric Count
Under Review 11
Approved/ Under Construction 13
Work Completed 17
NGCRA Residential Grants (FY 2024–25 YTD)
Metric Count
Total Funds Approved 438,835.00
Funds Paid to Date 259,542.23
Funding Summary
|11CLEARWATER COMMUNITY REDEVELOPMENT AGENCY
North Ward Elementary School Update
Economic Development staff will support developer
outreach and pre-marketing in coordination with
the CRA.
•Prepare digital and print marketing materials
•Develop a targeted developer prospect list
•Manage tour coordination and external inquiries
Update:
|12NORTH GREENWOOD COMMUNITY REDEVELOPMENT AREA
Shipping Container Village Update
•Site Plan review in progress.
•SPC Recommendations are
being implemented.
•The city and the applicant are
working on finding parking
options.Concept Rendering provided by CULC
|13NORTH GREENWOOD COMMUNITY REDEVELOPMENT AREA
North Greenwood CRA
Community Advisory Committee
2026 Meeting Dates:
March 4
June 3
September 2
December 2
Time:5:30 – 6:30 p.m.
Location: North Greenwood Recreation Center
900 N Martin Luther King Jr Ave, Room 1
Chair and Vice Chair Elected by CAC at last meeting:
|14NORTH GREENWOOD COMMUNITY REDEVELOPMENT AREA
Property Disposition Updates
|15CLEARWATER COMMUNITY REDEVELOPMENT AGENCY
CRA Property Disposition Updates
TRANCHE 1 | Surplus Properties TRANCHE 2 |North Greenwood Parcels
TRANCHE 4 | Upcoming
•1 offer was received. Staff is working to
bring this to CRA Trustees.
•Heather Trail deed received 12/19,
transferring property to Adel Youssef
•Staff working to secure remaining 3 offers
Two offers received:
•La Salle: Deed was received 12/19,
transferring the property to C.I.M.H.Z.
•Four-parcel site near Curtis Elementary
•Promotion anticipated Jan–Feb 2026
•Parcels currently being identified
|16CLEARWATER COMMUNITY REDEVELOPMENT AGENCY
CRA Property Disposition Updates
TRANCHE 3 | MLK/Washington
Washington / MLK Development Site RFP Timeline
The CRA Staff will begin accepting sealed proposals
for the Washington/MLK Development Site.
Proposals must be submitted by persons or groups
interested in purchasing all seven properties for
development as a single, unified site.
Proposal Window:
•Opens: Wednesday, January 14, 2026
•Closes: Friday, February 13, 2026
•Deadline: 10:00 a.m. (Local Time)