10 years of community land trusts in south florida

10COMMUNITY LAND TRUSTS IN SOUTH FLORIDA

SOUTH FLORIDA COMMUNITY LAND TRUST NETWORK | APRIL 2016

YEARS OF

The South Florida Community Land Trust Network (SFCLTN) is a collaborative comprised of Community Land Trusts and key partner organizations operating in South Florida

SFCLTN LeadHousing Leadership Council of Palm Beach County

Community Land Trust MembersCommunity Land Trust of Palm Beach CountyDelray Beach Community Land TrustHeartfelt Florida Housing Community Land TrustSouth Florida Community Land Trust

Partner OrganizationsAdopt-A-Family of the Palm BeachesHousing PartnershipNeighborhood Renaissance

SPONSORED BY

SFCLTN PARTNER ORGANIZATIONS 20

THE COMMUNITY LAND TRUST MODEL 2

5 REASONS SOUTH FLORIDA NEEDS COMMUNITY LAND TRUSTS

4THE SOUTH FLORIDA COMMUNITY LAND TRUST NETWORK

8

COMMUNITY LAND TRUST ORGANIZATIONS IN SOUTH FLORIDA 8

COMMUNITY LAND TRUST OF PALM BEACH COUNTY 12

DELRAY BEACH COMMUNITY LAND TRUST 14

HEARTFELT FLORIDA HOUSING COMMUNITY LAND TRUST 16

SOUTH FLORIDA COMMUNITY LAND TRUST 18

HOUSING LEADERSHIP COUNCIL OF PALM BEACH COUNTY 20

ADOPT-A-FAMILY OF THE PALM BEACHES 21

NEIGHBORHOOD RENAISSANCE 21

HOUSING PARTNERSHIP 21

WHATrsquoS INSIDE

110 Years of Community Land Trusts in South Florida April 2016

THE COMMUNITY LAND TRUST (CLT) MODEL

The Community Land Trust (CLT) model is based on dual ownership The land is owned and preserved by the nonprofit and the homebuyer owns the home including the building and all of the improvements on the land This separation reduces the purchase price for buyers allowing more families to afford a home while providing the permanence and security of traditional homeownership

A ground lease between the homebuyer and land trust ensures that when the house is sold it goes to another deserving family and that the appreciation in property value is shared between the land trust and individual Through shared-appreciation CLTs allow residents to build equity while preserving affordability It also gives residents the ability to pass on the same opportunity they received to the next household and ensure that housing remains affordable for future generations

COMMUNITY LAND TRUSTS (CLT) ARE NONPROFIT ORGANIZATIONS THAT PROVIDE PERMANENTLY AFFORDABLE HOUSING

2 SOUTH FLORIDA COMMUNITY LAND TRUST NETWORK

PEOPLE CITIES COMMUNITIES

In markets that are slowly appreciating CLT properties become more affordable over time

THE CLT MODEL WORKS IN ANY MARKET AND IN ANY COMMUNITY

CLTs provide homeownership that is affordable while giving households the opportunity to build equity and wealth

CLT housing remains affordable without additional subsidy for future buyers In fact the subsidy value increases over time

CLTs can help stabilize communities increase homeownership rates and protect neighborhoods facing gentrification

THE CLT MODEL BALANCES AND SUPPORTS THE NEEDS OF PEOPLE CITIES amp COMMUNITIES

In rapidly appreciating markets the value of CLT subsidy will substantially increase over time

In stabilized communities CLTs provide access to opportunities such as jobs transit and good schools

In transitional revitalizing neighborhoods CLTs can prevent gentrification and allow families to remain in their community

In weaker markets CLTs can stabilize communities by increasing homeownership and preventing foreclosures


Community Land Trusts throughout South Florida have helped people own or rent homes in more than 20 cities across Palm Beach and Broward Counties

Unit counts and data includes only units developed by the Community Land Trust of Palm Beach County Delray Beach Community Land Trust Heartfelt Florida Housing Community Land Trust and South Florida Community Land Trust

336units will be built or occupied by the end of 2016 in Broward and Palm Beach Counties

38additional units are projected to be developed by 2017

THE SOUTH FLORIDA COMMUNITY LAND TRUSTNETWORK

The South Florida Community Land Trust Network (SFCLTN) formed in 2012 about 6 years after the first CLT home was developed in the region The group came together to address collective challenges share resources and to incubate permanently affordable housing options in a time when the region was ravaged and reeling from the Great Recession

By forming this Network the organizations involved have leveraged resources to expand their collective footprints cultivate increased capacity and maximize impact The group is lead by the Housing Leadership Council of Palm Beach County and includes four CLTs and numerous partner organizations


PARTNERINGWITH

CORNERSTONE HOMEOWNERSHIP

INNOVATION PROGRAM (CHIP)

While newly formed SFCLTN is already a driving force in the national landscape SFCLTN was one of only eight groups - and the only consortium - accepted into the Cornerstone Homeowner Innovation Program (CHIP) a highly competitive national grant program funded by the Social Innovation Fund and the Ford Foundation CHIP provided SFCLTN with four years of capacity building support that has had an incalculable impact in advancing the CLT Model and permanently affordable housing here in South Florida

INCREASING MUNICIPAL

SUPPORT

CLTs protect public investments by ensuring the long-term preservation of government subsidies and by maintaining the quality of housing overtime Therefore the SFCLTN works to increase municipal support for the CLT Model and subsidy preservation through education and research A recent report commissioned by SFCLTN found that If subsidies are retained through the CLT Model the local government investment will increase by 140 overtime

Rebecca Walter PhD Carla Fink PhD and Sarah Jones Graduate Assistant The University of Texas at San Antonio Subsidy Retention versus Subsidy Recapture Strengthening Partnerships between South Florida Community Land Trusts and Local Governments

SFCLTN ACCOMPLISHMENTS

ldquoThe SFCLTN got started because we recognized that we could do so much more together Each organization serves its own geographic area and our program

services vary to some degree but at the beginning and at the end of the day we all provide very affordable housing to low and moderate income householdsrdquo

- Evelyn Dobson Delray Beach Community Land Trust


GETTING THE WORD OUT

CLTs are a proven model for protecting affordability and have been employed over 250 communities across the county However the model is still relatively new in South Florida with the first CLTs forming 10 years ago To get the word out SFCLTN organizations delved into a CLT educational series targeting specific groups including real estate agents homebuyer counsellors and local government groups The goal was to educate stakeholders on the model and identify opportunities to partner Since forming the coalition has been featured at numerous local state and national conferences including at the 2014 FDIC Roundtable and the 27th Annual Statewide Florida Housing Conference The SFCLTN also produced a high quality video titled ldquoCommunity Land Trusts Where Home Isrdquo to highlight how residents have been impacted and share the importance and need for the CLT model in South Florida

EDUCATING PROSPECTIVE

BUYERS

Itrsquos important for prospective buyers to be well informed on the CLT model To that end SFCLTN members developed a Regional CLT Homebuyer Guide available in English Spanish and Creole In addition the group partnered with MBS Consulting Services to develop a stand-alone training module for all housing counselling agencies This CLT curriculum is now included in most local first-time homebuyer workshops

LENDING FOR CLTS

CLT loans are proven to be less risky than traditional financing However after the housing bubble burst many local lenders were lost and others became incredibly risk-averse One of the biggest achievements of the SFCLTN was bringing lenders back to the table with the assistance of the National CLT Network Florida Community Land Trust Institute and MBS Consulting Services This group hosted a lending forum and by the end of that day had two committed lenders Now we have seven active and ten approved lenders who are committed to the process Based on this huge success similar CLT lending forums have been replicated throughout the state and nation


5REASONS SOUTH FLORIDA NEEDS COMMUNITY LAND TRUSTS

Housing is the single largest expense a household faces To understand the full picture of housing affordability measuring the share of a householdrsquos income spent on housing is more telling than simply comparing expenses Households spending more than 30 of their income on housing costs are considered housing cost-burdened those spending more that 50 are severely cost-burdened

By these measures 47 of households in the tri-county region are housing cost-burdened and over half of those households are severely cost-burdened ndash the highest percentage in the country This gap between income and the cost of housing continues to widen in South Florida

The result is a region where nearly half of all households struggle to maintain stable housing often foregoing other essentials including healthy food education or healthcare Community Land Trusts provide a long-term solution to bridge the gap between what households can afford and what the market provides

2015 State of the Nationrsquos Housing by the Joint Center for Housing Studies of Harvard University

01 ADDRESSING HIGH HOUSING COST


65 decline in homeownership since 2006

A telling indicator of the state of our regionrsquos housing is the steep drop in homeownership While all but one metropolitan market experienced declines in homeownership between 2006 and 2013 South Florida had the sixth highest decline in the nation by 65 Some of this is undoubtedly related to the housing boom and bust stricter lending standards and generational choices Itrsquos also attributable to the fact that many are struggling to save for a down payment due to overwhelming rental costs and debt

Decreased opportunities for homeownership has negative impacts on economic outcomes particularly wealth accumulation Community Land Trusts can provide a stepping stool to get people out of renting and into homeownership Through a shared-equity model CLT homeowners are building wealth


02 INCREASING HOMEOWNERSHIP OPPORTUNITIES

03 LINKING HOUSING AND TRANSIT

South Florida is quickly expanding its transportation infrastructure to improve mobility and connectivity in South Florida There is an opportunity to link those positive changes to increased access to housing that is affordable The time to make that link is now

Beyond housing the second highest cost a family faces is transportation In South Florida the combined burden of housing and transportation costs for moderate-income renters and homeowners is the highest in the country eating up an average of 72 cents of each dollar earned

CLTs can and should play a critical role in ensuring that housing near transportation options in South Florida remains accessible to mixed-income households now and into the future

ldquoLosing Ground The Struggle of Moderate-Income Households to Afford the Rising Costs of Housing and Transportationrdquo Center for Housing Policy amp Center for Neighborhood Technology


In most affordable homeownership programs public investments or subsidies are given in the form of down-payment assistance that is eventually forgiven or ldquorecapturedrdquo when the benefiting homeowner sells the home However in a housing market like South Floridarsquos where housing appreciates more quickly than incomes rise the amount of subsidy needed for subsequent homeowners will be greater than the amount recaptured Thus the value of recaptured subsidies diminishes over time fewer homeowners can be assisted and the affordability of homes is lost

CLTs on the other hand function to protect both affordability and public investments by recycling the subsidy from one buyer to the next generation after generation forever Particularly in a time when funding for housing is diminishing and demand is growing ensuring public investments have a sustained impact like this is critical

04 PRESERVING PUBLIC INVESTMENTS

$$$

TIME

COST OF MARKET RATE HOUSINGSubsidy retained with the

property COST OF CLT HOUSING

INCOME

CLTs function to protect both affordability amp public investments by recycling the subsidy from one buyer to the next generation after generation forever


05 ADDING ECONOMIC VALUE

Developing affordable housing builds more than just homes ndash itrsquos a proven economic driver that increases spending and employment in the surrounding economy Moreover without an adequate supply of affordable housing employers ndash and entire regional job markets ndash are disadvantaged due to their inability to attract and retain workers Affordable housing also improves educational outcomes by allowing families access to high performing schools and reducing unwanted moves

Affordable housing not only builds the economy but is also a stabilizing force A national survey finds that CLT homeowners are eight times less likely to be in the process of foreclosure than owners of market-rate homes The lower incidence of foreclosure among CLT homes in turn represents significant direct and indirect cost savings for municipalities in avoiding potential foreclosures

Thaden Emily 2010 June 7 Outperforming the Market Making Sense of the Low Rates of Delinquencies and Foreclosures in Community Land Trusts Nashville TN Peabody College Vanderbilt University

ldquoThe fact that the land is not counted in the price of the home in and of itself immediately establishes CLT homes as attainable In addition the fact that CLTs continues to support homeowners after homes are purchased is to me one of the strongest yet least visible pillars of the modelrdquo

- Marcia Barry-Smith MBS Consulting Services amp H2H Founder


INCREASING THE PERMANENT SUPPLY OF AFFORDABLE HOUSING IN PALM BEACH COUNTY THROUGHbull Land acquisition housing development preservation

bull Create a permanent supply of both rental and homeownership opportunities

bull Develop the community land trust model as an effective tool in meeting the long term affordable housing needs of Palm Beach County residents

bull Create vibrant mixed-income communities

bull Undertake a client focused approach to community development

bull Create sustainable communities

bull Collaborate

CLT OF PALM BEACH COUNTY


4938 Davis Road Lake Worth561-318-8442wwwcltofpbcorg

BOARD OF DIRECTORSHAZEL LUCAS ESQPRESIDENT

TIMOTHY WHEAT VICE PRESIDENT

ANDREW ZEEMANTREASURER

ANGELA USHERSECRETARY

DOROTHY ELLINGTON

TANGENICA HENRY

VICE MAYOR SCOTT MAXWELL

TAMMY MCDONALD ANDERSON

SEMENTHA SANTANGELO

MAYOR SHANIQUE SCOTT

SHEMERRIA BURGESS

RANDY WERTEPNY

STAFFCINDEE LACOURSE-BLUMEXECUTIVE DIRECTOR

TANYA WARD BENGAMINHOUSING MANAGER

One defining feature in the idea of community is that its members affect each otherrsquos quality of life Nowhere is this demonstrated better and in a more positive manner than by the Community Land Trust of Palm Beach County (CLT of PBC) This countywide nonprofit organizationrsquos aim is to provide permanently affordable housing opportunities for its residents

ldquoIn general the understanding that humans need homes to both survive and thrive motivates me to work in affordable housingrdquo Cindee LaCourse-Blum Executive Director explained Clearly there is a desperate need High housing costs and slow wage growth have made the area unaffordable for many

The CLT of PBC was initiated in 2006 by Palm Beach County but rapidly became a community project with a wide range of founding members including Gold Coast Builders Association Palm Beach County League of Cities Business Development Board Business Forum of Palm Beach County Florida Rural Legal Services Community Financing Consortium Adopt-A-Family of the Palm Beaches Inc South Florida LISC We Help Community Development Inc Fair Housing Center of the Greater Palm Beaches Urban League of Palm Beach County Housing Partnership North Palm Beach Chamber of Commerce and the School District of Palm Beach County

These groups pulled together with the goal of creating vibrant mixed-income sustainable communities with a permanent supply of both rental and homeownership opportunities

Now with 108 total units throughout central Palm Beach County the dream is coming to fruition Itrsquos easy to see that the CLT of PBC serves as a successful model for demonstrating the power of a community and its ability do great things

+3380 28Rental Units

CLT Owner Units

Units by 2017


Love what you do and you will never work a day in your life Itrsquos a common quote not often practiced by many However Evelyn Dobson Executive Director of Delray Beach Community Land Trust (DBCLT) and Gary Eliopoulos Chairman of the Board seem to live by this motto

ldquoI feel like I finally found my niche in what I do because I know what it feels like to dream of becoming a homeowner and at times feeling that it may never happenrdquo said Evelyn Dobson when describing her job ldquoTo see the smile on the homeowners face when they get the keys to their home is the most rewarding feelingrdquo

Gary shares the same sentiment describing that the DBCLT was the perfect fit for him Itrsquos a feeling that kept their door open despite difficult times

The organization was formed in 2006 During the Great Recession DBCLT operated with a limited staff worked tirelessly with lending institutes and refused to give up ldquoTo be able to say that we are still operating after the Great Recession is our organizations greatest accomplishmentrdquo said Gary Eliopoulos

ldquoWe sustained the housing program services provided by the organization and that is of most importancerdquo

Fast-forward ten years and the team has served more than 500 households and currently stewards and manages 107 units including single-family homes townhomes and rentals However Evelyn and Gary refuse to stop there

DELRAY BEACH CLT

FOSTERING HEALTHY COMMUNITIES THROUGH THE CREATION STABILIZATION AND PRESERVATION OF QUALITY LONG-TERM AFFORDABLE HOUSING


145 SW 12th Avenue Delray Beach561-243-7500 wwwdelraylandtrustorg

BOARD OF DIRECTORSGARY P ELIOPOULOSPRESIDENT

KIMBERLY CAMEJOVICE PRESIDENT

DYSONYA MITCHELLTREASURER

MORRIE WEINMANSECRETARY

ARTHUR BROWN

POLK COTTON

CHERYL HAYWOOD

VICKI HILL

ANTHONY HOLLIDAY JR

ELTON MCGOWAN JR

KIMBERLY MORRIS

PATRICIA WRIGHT

STAFF

EVELYN DOBSONEXECUTIVE DIRECTOR

GERECIA JACKSON EDMONDHOUSING MANAGER

AHMED BURTONHOUSING COORDINATOR


CLT Owner Units

Units by 2017

The DBCLT Atlantic Park Square Project along SW 14th Avenue will consist of 22 single family homes upon completion with three to four bedrooms rear-and-side loaded garages and large elevated porches Of the 22 planned 21 have been completed and sold with one lot remaining It is a true example of how the DBCLT City of Delray Beach and Delray Beach CRA can partner to create something spectacular

ldquoWe continue to work together The organization is accountable the dedication is there and we have made affordable housing a reality for very-low- to moderate-income householdsrdquo said Dobson As housing prices increase Evelyn and Gary look forward to a very bright future The CLT model is working thanks to the hard work and dedication of the team and partners


HEARTFELT FLORIDA HOUSING CLTDEVELOPING THRIVING STABLE COMMUNITIES THROUGH THE ACQUISITION OF LAND amp THE CREATION amp STEWARDSHIP OF PERMANENTLY AFFORDABLE HOUSING FOR LOW- TO MODERATE-INCOME INDIVIDUALS

Ocean Breeze West sounds like a tropical paradise and for the residents there it is The development is constructed on a 45 acre site which was destroyed by the hurricanes of 2004 and now has 21 new single-family homes located in the heart of Boynton It is the first Heartfelt Florida Housing Community Land Trust (HFHCLT) mixed-income development aimed at an innovative socially responsible and sustainable solutions to the lack of affordable housing opportunities in South Palm Beach

After 25 years of serving South Palm Beach the local affiliate of Habitat for Humanity decided to utilize the community land trust model and the nonprofit Heartfelt Florida Housing Community Land Trust (HFHCLT) was founded in 2010

Mike Williams Associate Executive Director at Habitat for Humanity of South Palm Beach County shared his vision when he stated ldquoThe impact of having a decent place to live especially for kids who do so much better


181 SE 5th Avenue Delray Beach561-819-6070wwwheartfeltcltorg

BOARD OF DIRECTORS

JEREMY AHWEE PRESIDENT

MIKE CAMPBELLSECRETARY

PAMELA OWENS TREASURER

WANESTA BUSH MEMBER

DIANA HILLMAN MEMBER

ROJUANA MOSSMEMBER

MIKE OWEN MEMBER

STAFFDONNA WALDRONEXECUTIVE DIRECTOR

when they have a place to study and thrive and the parents themselves who donrsquot have to worry about a landlord or where they will live next month and being able to address that is the greatest motivationrdquo

The focus of the land trust is to make these homes permanently affordable The homeowners are granted a long-term ground lease with their home purchase and can stay there for its duration If they choose to sell a formula is used to allow a limited but fair return to the seller while keeping the structure affordable for the next buyer ensuring perpetual affordability

In addition to the goal of perpetual affordability Heartfelt works with its present and future residents to safeguard the homes and maintain the security of its occupants Ocean Breeze West brings new hope to the entire community It provides an opportunity for working families to return to a neighborhood that lost residents when the former buildings were rendered uninhabitable

Yet HFHCLT isnrsquot satisfied that enough has been done They are committed to the expansion of their acquisition and development program According to Mike HFHCLT is working with the City of Delray in looking at a couple of areas to do bigger developments

HFHCLT is paving the way to preserving the quality affordability and economic diversity of housing for residents of South Palm Beach County Florida

27CLT Owner Units

+18Units by 2017


SOUTH FLORIDA CLTPROVIDING AND PRESERVING QUALITY SUSTAINABLE AFFORDABLE HOUSING FOR UNDERSERVED POPULATIONS IN SOUTH FLORIDA When driving through the quiet neighborhoods of South Florida you notice houses transformed into homes with families making memories inside But what you donrsquot notice is the history as to how these families got there Behind that brick and concrete is something even stronger Perseverance

It is this adjective that weaves throughout the South Florida Community Land Trust (SFCLT) foundation SFCLT has assisted over 100 individuals to find a home But achieving this goal wasnrsquot always easy

ldquoOur first project was the most challengingrdquo said Mandy Bartle SFCLT Executive Director ldquoWe bought an apartment building in a nice wealthy community There was a lot of resistance from the neighbors and commissioners for developing affordable housing in the neighborhood After we

remodeled the apartments we them showed how beautiful it was and started getting calls from the community about moving in We were able to change perceptions about what affordable housing doesrdquo

Through hard work and perseverance Mandy and her team grew the South Florida Community Land Trust into what it is today

South Florida Community Land Trust is a nonprofit corporation that develops and preserves affordable housing in South Florida It is one of the few organizations in South Florida that is focused on creating a permanent source of affordable housing to help both current and future homeowners They work to help South Florida residents afford a home without compromising on safety or quality

1007 N Federal HWY 2999547691731wwwsouthfloridacltorg

BOARD OF DIRECTORS

GIOVANNI MOSSPRESIDENT

MARCIE OPPENHEIMER NOLANVICE PRESIDENT

JERRY HENISERTREASURER

SANDRA EINHORNSECRETARY

MARCIA BARRY-SMITH

MONICA NAVARRO

STEVE WERTHMAN

STAFFMANDY SPANGLER BARTLEEXECUTIVE DIRECTOR

MATT WEISSPROPERTY MANAGER

ANNA MCMASTERPROGRAM MANAGER

+15

SFCLT was formed in 2006 a time plagued with high unemployment rates and banks hesitant to loan Yet the team persevered They were able to advocate to the banks to offer loans to their homeowners

The future is very bright for SFCLT They have plans to expand to Miami Florida within two years Despite the various challenges SFCLT knows they need to be there

ldquoNumerous reports have cited the need as it is one of few major metropolitan areas in the country without a CLT We are one of a number of groups trying to change thatrdquo said Bartle ldquoThere are CLTrsquos in Monroe Palm Beach and Broward Counties and Miami is one of the most expensive markets- thatrsquos why the need is so greatrdquo

South Florida Community Land Trust will continue to make a difference in the lives of South Florida residents and hopefully one day the residents of Miami-Dade County

46 8Rental Units

CLT Owner Units

Units by 2017


HOUSING LEADERSHIP COUNCIL OF PALM BEACH COUNTY

SFCLTN PARTNER ORGANIZATIONS

It can be easy to take advantage of a warm bed shelter during a storm a place to call home These are things we have been given since we could remember However it is the team at the Housing Leadership Council of Palm Beach County (HLCPBC) that remind us that lifersquos ldquosimplicitiesrdquo are actually quite difficult to obtain

In July 2006 the Workforce Housing Needs Assessment released a shocking report on the depth and severity of the housing market in Palm Beach County They found approximately 60 percent of Palm Beach County residents earn less than 50 percent of the area median income With such high numbers many low to mid-size earners were struggling financially to obtain or keep their homes

The report called for each county and municipality to develop a comprehensive housing policy that addresses the urgent need of expanding and preserving the inventory of affordable housing Immediately the Housing Leadership of Palm Beach County was born with a mission that housing is attainable for the workforce at all income levels through education advocacy and facilitating collaboration

Ten years later the organization continues thrive off that mission Since 2007 the Housing Leadership Council has been working on important collaborative efforts that ensure we address the current issues of stabilizing neighborhoods and making sure we have an adequate supply of workforce housing in our community

They remind us each day that we all need a place to call home

wwwhlcpbcorg


ADOPT-A-FAMILY OF THE PALM BEACHES

HOUSING PARTNERSHIP

NEIGHBORHOOD RENAISSANCE

Research | Design | Programming

wwwadoptafamilypbcorg

Adopt-A-Family is a 501c3 nonprofit charitable organization dedicated to strengthening families with children in their efforts to achieve stability and self-sufficiency by providing access to all-encompassing services

wwwneighborhoodrenaissanceorg

Neighborhood Renaissance Inc is a nonprofit community based organization dedicated to building and supporting strong economies and diverse communities in Palm Beach County They do so by creating workforce housing opportunities jobs and small business prospects for low and moderate income persons

9 CLT HOMEOWNERSHIP UNITS45 PERMANENTLY AFFORDABLE RENTAL UNITS

wwwcp-ctoorghousing-partnership

Housing Partnership Inc a member of Community Partners began in 1986 and has come to believe that finding impactful solutions to complex community issues requires an approach that is both holistic and focused In all that they do they strive to work with the person in the context of their family and with the family in the context of their community

1 CLT HOMEOWNERSHIP UNIT9 PERMANENTLY AFFORDABLE RENTAL UNITS



SFCLTN LeadHousing Leadership Council of Palm Beach County | wwwhlcpbcorg

Community Land Trust MembersCommunity Land Trust of Palm Beach County |wwwcltofpbcorgDelray Beach Community Land Trust | wwwdelraylandtrustorgHeartfelt Florida Housing Community Land Trust | wwwheartfeltcltorgSouth Florida Community Land Trust | wwwsouthfloridacltorg

Partner OrganizationsAdopt-A-Family of the Palm Beaches | wwwadoptafamilypbcorgHousing Partnership | wwwcp-ctoorghousing-partnershipNeighborhood Renaissance | wwwneighborhoodrenaissanceorg



SFCLTN LeadHousing Leadership Council of Palm Beach County

Community Land Trust MembersCommunity Land Trust of Palm Beach CountyDelray Beach Community Land TrustHeartfelt Florida Housing Community Land TrustSouth Florida Community Land Trust

Partner OrganizationsAdopt-A-Family of the Palm BeachesHousing PartnershipNeighborhood Renaissance

SPONSORED BY





8










WHATrsquoS INSIDE



























PARTNERINGWITH





SUPPORT











BUYERS


LENDING FOR CLTS
























$$$

TIME



INCOME
















bull Collaborate








DOROTHY ELLINGTON

TANGENICA HENRY



SEMENTHA SANTANGELO


SHEMERRIA BURGESS

RANDY WERTEPNY









CLT Owner Units

Units by 2017








DELRAY BEACH CLT








ARTHUR BROWN

POLK COTTON

CHERYL HAYWOOD

VICKI HILL

ANTHONY HOLLIDAY JR

ELTON MCGOWAN JR

KIMBERLY MORRIS

PATRICIA WRIGHT

STAFF





CLT Owner Units

Units by 2017










BOARD OF DIRECTORS




WANESTA BUSH MEMBER


ROJUANA MOSSMEMBER

MIKE OWEN MEMBER







27CLT Owner Units

+18Units by 2017









BOARD OF DIRECTORS





MARCIA BARRY-SMITH

MONICA NAVARRO

STEVE WERTHMAN




+15





46 8Rental Units

CLT Owner Units

Units by 2017









wwwhlcpbcorg



HOUSING PARTNERSHIP





















8










WHATrsquoS INSIDE



























PARTNERINGWITH





SUPPORT











BUYERS


LENDING FOR CLTS
























$$$

TIME



INCOME
















bull Collaborate








DOROTHY ELLINGTON

TANGENICA HENRY



SEMENTHA SANTANGELO


SHEMERRIA BURGESS

RANDY WERTEPNY









CLT Owner Units

Units by 2017








DELRAY BEACH CLT








ARTHUR BROWN

POLK COTTON

CHERYL HAYWOOD

VICKI HILL

ANTHONY HOLLIDAY JR

ELTON MCGOWAN JR

KIMBERLY MORRIS

PATRICIA WRIGHT

STAFF





CLT Owner Units

Units by 2017










BOARD OF DIRECTORS




WANESTA BUSH MEMBER


ROJUANA MOSSMEMBER

MIKE OWEN MEMBER







27CLT Owner Units

+18Units by 2017









BOARD OF DIRECTORS





MARCIA BARRY-SMITH

MONICA NAVARRO

STEVE WERTHMAN




+15





46 8Rental Units

CLT Owner Units

Units by 2017









wwwhlcpbcorg



HOUSING PARTNERSHIP










































PARTNERINGWITH





SUPPORT











BUYERS


LENDING FOR CLTS
























$$$

TIME



INCOME
















bull Collaborate








DOROTHY ELLINGTON

TANGENICA HENRY



SEMENTHA SANTANGELO


SHEMERRIA BURGESS

RANDY WERTEPNY









CLT Owner Units

Units by 2017








DELRAY BEACH CLT








ARTHUR BROWN

POLK COTTON

CHERYL HAYWOOD

VICKI HILL

ANTHONY HOLLIDAY JR

ELTON MCGOWAN JR

KIMBERLY MORRIS

PATRICIA WRIGHT

STAFF





CLT Owner Units

Units by 2017










BOARD OF DIRECTORS




WANESTA BUSH MEMBER


ROJUANA MOSSMEMBER

MIKE OWEN MEMBER







27CLT Owner Units

+18Units by 2017









BOARD OF DIRECTORS





MARCIA BARRY-SMITH

MONICA NAVARRO

STEVE WERTHMAN




+15





46 8Rental Units

CLT Owner Units

Units by 2017









wwwhlcpbcorg



HOUSING PARTNERSHIP




















BUYERS


LENDING FOR CLTS
























$$$

TIME



INCOME
















bull Collaborate








DOROTHY ELLINGTON

TANGENICA HENRY



SEMENTHA SANTANGELO


SHEMERRIA BURGESS

RANDY WERTEPNY









CLT Owner Units

Units by 2017








DELRAY BEACH CLT








ARTHUR BROWN

POLK COTTON

CHERYL HAYWOOD

VICKI HILL

ANTHONY HOLLIDAY JR

ELTON MCGOWAN JR

KIMBERLY MORRIS

PATRICIA WRIGHT

STAFF





CLT Owner Units

Units by 2017










BOARD OF DIRECTORS




WANESTA BUSH MEMBER


ROJUANA MOSSMEMBER

MIKE OWEN MEMBER







27CLT Owner Units

+18Units by 2017









BOARD OF DIRECTORS





MARCIA BARRY-SMITH

MONICA NAVARRO

STEVE WERTHMAN




+15





46 8Rental Units

CLT Owner Units

Units by 2017









wwwhlcpbcorg



HOUSING PARTNERSHIP






































$$$

TIME



INCOME
















bull Collaborate








DOROTHY ELLINGTON

TANGENICA HENRY



SEMENTHA SANTANGELO


SHEMERRIA BURGESS

RANDY WERTEPNY









CLT Owner Units

Units by 2017








DELRAY BEACH CLT








ARTHUR BROWN

POLK COTTON

CHERYL HAYWOOD

VICKI HILL

ANTHONY HOLLIDAY JR

ELTON MCGOWAN JR

KIMBERLY MORRIS

PATRICIA WRIGHT

STAFF





CLT Owner Units

Units by 2017










BOARD OF DIRECTORS




WANESTA BUSH MEMBER


ROJUANA MOSSMEMBER

MIKE OWEN MEMBER







27CLT Owner Units

+18Units by 2017









BOARD OF DIRECTORS





MARCIA BARRY-SMITH

MONICA NAVARRO

STEVE WERTHMAN




+15





46 8Rental Units

CLT Owner Units

Units by 2017









wwwhlcpbcorg



HOUSING PARTNERSHIP






























bull Collaborate








DOROTHY ELLINGTON

TANGENICA HENRY



SEMENTHA SANTANGELO


SHEMERRIA BURGESS

RANDY WERTEPNY









CLT Owner Units

Units by 2017








DELRAY BEACH CLT








ARTHUR BROWN

POLK COTTON

CHERYL HAYWOOD

VICKI HILL

ANTHONY HOLLIDAY JR

ELTON MCGOWAN JR

KIMBERLY MORRIS

PATRICIA WRIGHT

STAFF





CLT Owner Units

Units by 2017










BOARD OF DIRECTORS




WANESTA BUSH MEMBER


ROJUANA MOSSMEMBER

MIKE OWEN MEMBER







27CLT Owner Units

+18Units by 2017









BOARD OF DIRECTORS





MARCIA BARRY-SMITH

MONICA NAVARRO

STEVE WERTHMAN




+15





46 8Rental Units

CLT Owner Units

Units by 2017









wwwhlcpbcorg



HOUSING PARTNERSHIP






















DOROTHY ELLINGTON

TANGENICA HENRY



SEMENTHA SANTANGELO


SHEMERRIA BURGESS

RANDY WERTEPNY









CLT Owner Units

Units by 2017








DELRAY BEACH CLT








ARTHUR BROWN

POLK COTTON

CHERYL HAYWOOD

VICKI HILL

ANTHONY HOLLIDAY JR

ELTON MCGOWAN JR

KIMBERLY MORRIS

PATRICIA WRIGHT

STAFF





CLT Owner Units

Units by 2017










BOARD OF DIRECTORS




WANESTA BUSH MEMBER


ROJUANA MOSSMEMBER

MIKE OWEN MEMBER







27CLT Owner Units

+18Units by 2017









BOARD OF DIRECTORS





MARCIA BARRY-SMITH

MONICA NAVARRO

STEVE WERTHMAN




+15





46 8Rental Units

CLT Owner Units

Units by 2017









wwwhlcpbcorg



HOUSING PARTNERSHIP























DELRAY BEACH CLT








ARTHUR BROWN

POLK COTTON

CHERYL HAYWOOD

VICKI HILL

ANTHONY HOLLIDAY JR

ELTON MCGOWAN JR

KIMBERLY MORRIS

PATRICIA WRIGHT

STAFF





CLT Owner Units

Units by 2017










BOARD OF DIRECTORS




WANESTA BUSH MEMBER


ROJUANA MOSSMEMBER

MIKE OWEN MEMBER







27CLT Owner Units

+18Units by 2017









BOARD OF DIRECTORS





MARCIA BARRY-SMITH

MONICA NAVARRO

STEVE WERTHMAN




+15





46 8Rental Units

CLT Owner Units

Units by 2017









wwwhlcpbcorg



HOUSING PARTNERSHIP






















ARTHUR BROWN

POLK COTTON

CHERYL HAYWOOD

VICKI HILL

ANTHONY HOLLIDAY JR

ELTON MCGOWAN JR

KIMBERLY MORRIS

PATRICIA WRIGHT

STAFF





CLT Owner Units

Units by 2017










BOARD OF DIRECTORS




WANESTA BUSH MEMBER


ROJUANA MOSSMEMBER

MIKE OWEN MEMBER







27CLT Owner Units

+18Units by 2017









BOARD OF DIRECTORS





MARCIA BARRY-SMITH

MONICA NAVARRO

STEVE WERTHMAN




+15





46 8Rental Units

CLT Owner Units

Units by 2017









wwwhlcpbcorg



HOUSING PARTNERSHIP























BOARD OF DIRECTORS




WANESTA BUSH MEMBER


ROJUANA MOSSMEMBER

MIKE OWEN MEMBER







27CLT Owner Units

+18Units by 2017









BOARD OF DIRECTORS





MARCIA BARRY-SMITH

MONICA NAVARRO

STEVE WERTHMAN




+15





46 8Rental Units

CLT Owner Units

Units by 2017









wwwhlcpbcorg



HOUSING PARTNERSHIP
























BOARD OF DIRECTORS





MARCIA BARRY-SMITH

MONICA NAVARRO

STEVE WERTHMAN




+15





46 8Rental Units

CLT Owner Units

Units by 2017









wwwhlcpbcorg



HOUSING PARTNERSHIP
























wwwhlcpbcorg



HOUSING PARTNERSHIP


















HOUSING PARTNERSHIP

















10 years of community land trusts in south florida

Documents