illitili Illilli st.petersburg CITY OF ST. PETERSBURG SUBSTANTIAL AMENDMENT TO ITS FY ANNUAL ACTION PLAN

Transcription

1 illitili Illilli * EQUAL HOUSING OPPORTUNITY One, 4th Street North, 3d Floor, St. Petersburg, Florida Document Prepared by the Housing and Community Development Department FEBRUARY 17, 2011 FOR IMPLEMENTATION OF THE NEIGHBORHOOD STABILIZATION PROGRAM -3 SUBSTANTIAL AMENDMENT TO ITS FY ANNUAL ACTION PLAN CITY OF ST. PETERSBURG st.petersburg

2 . Title Organizational DUNS: Division: City of St. Petersburg Hoslngad Community Development Department 0 Non-Construction J Non-Construction 0 Construction Construction 4. DATE RECEIVED BY FEDERAL AGENCY Federal Identifier Application Preapplication Legal Name: Organizational Unit: 1. TYPE OF SUBMISSION: 3. DATE RECEIVED BY STATE State Application Identifier 5. APPLICANT INFORMATION FEDERAL ASSISTANCE Authorized for Local Reoroduction Prescribed by 0MB Circular A-102 Previous Edition Usable St andard Form 424 (Rev ) 1TACHED ASSURANCES IF THE ASSISTANCE IS AWARDED. Signature of Authorized Representative.L). Date Signed Ms. Tish Telephone Number (give area code) City Administrator (727) )OCUMENT HAS BEEN DULY AUTHORIZED BY THE GOVERNING BODY OF THE APPLICANT AND THE APPLICANT WILL COMPLY WITH THE Elston Last Name Suffix FOR REVIEW Prefix First Name Middle Name A,,thnrid 18. TO THE BEST OF MY KNOWLEDGE AND BELIEF, ALL DATA IN THIS APPLICATION!PREAPPLICATION ARE TRUE AND CORRECT. THE 3,709,133 J Yes If Yes attach an explanation. 0 No g. TOTAL e. Other OR PROGRAM HAS NOT BEEN SELECTED BY STATE d. Local b. No. PROGRAM IS NOT COVERED BY E c. State DATE: b. Applicant PROCESS FOR REVIEW ON AVAILABLE TO THE STATE EXECUTIVE ORDER ESTIMATED FUNDING: 16. IS APPLICATION SUBJECT TO REVIEW BY STATE EXECUTIVE &11 10&11 Start Date: Ending Date: a. Applicant b. Project )ROER PROCESS? 13. PROPOSED PROJECT 14. CONGRESSIONAL DISTRICTS OF: St. Petersburg, Florida a. Federal ri THIS PREAPPLICATION/APPLICATION WAS MADE 3,709,133 a. Yes. j1j}norrap). Program -3 (NSP-3) impacted by foreclosed upon homes throughout the country. U.S. Department of Housing and Urban Development ( HUD ) 10. CATALOG OF FEDERAL DOMESTIC ASSISTANCE NUMBER: 11. DESCRIPTIVE TITLE OF APPLICANT S PROJECT: 12. AREAS AFFECTED BY PROJECT (Cities, Counties, States, etc.): Other (specify) 9. NAME OF FEDERAL AGENCY: See back of form for description of letters.) )ther (specify).. f New Fl Continuation r If Revision (C) Municipal Revision, enter appropriate letter(s) in box(es) to states arid local governments to stabilize neighborhoods negatively f. Program Income 17. IS ThE APPLICANT DELINQUENT ON ANY FEDERAL DEBT? The Neig orhood Stabilization Program -3 (NSP-3) to allocate funding 8. TYPE OF APPLICATION: 7. TYPE OF APPLICANT: (See back of form for Application Types) 6. EMPLOYER IDENTIFICATION NUMBER (E!N): Phone Number (give area code) Fax Number (give area code) Florida United States of America Joshua,JohnsonStpete.org Stat: Zip Code Suffix: Pinellas Johnson St. Petersburg Alexander County: Last Name Country:. City: Middle Name Mr. Joshua 175 5th Street North Prefix: First Name: Street: Involving this application (give area code) (727) (727) Address: Name and telephone number of person to be contacted on matters 2. DATE SUBMITTED Applicant Identifier APPLICATION FOR 0MB Approved No Version 7103

3 ACTION PLAN ( AMENDMENT ) TO ADD A NEW NEIGHBORHOOD STABILIZATION PROGRAM ( NSP 3 ) WITH $3,709,133 IN FUNDING TO BE ALLOCATED TO AMENDMENT TO THE CITY S FY2O1O-2011 ANNUAL A RESOLUTION APPROVING A SUBSTANTIAL NSP-3 TO INCLUDE THE FOLLOWING STRATEGIES AND A - FINANCING AND URBAN DEVELOPMENT ( HUD ), TO IMPLEMENT ALLOCATIONS OF FUNDING: 1) IMPLEMENT ACTIVITY MECHANISMS FOR PURCHASE AND THE CITY FROM THE U.S. DEPARTMENT OF HOUSING REDEVELOPMENT OF FORECLOSED HOMES AND RESIDENTIAL PROPERTIES WITH $200,000 IN FUNDING FOR A LOAN LOSS RESERVE PROGRAM; 2) IMPLEMENT - ACTIVITY B AND REHABILITATION OF HOMES AND RESIDENTIAL PROPERTIES THAT HAVE BEEN ABANDONED OR FORECLOSED UPON, IN ORDER TO SELL, RENT, OR REDEVELOP SUCH HOMES AND PROPERTIES WITH $980,936 IN FUNDING; 3) IMPLEMENT AND REHABILITATION OF - ACTIVITY B SINGLE-FAMILY OR MULTI-FAMILY UNITS FOR DEVELOPERS TO ASSIST HOUSEHOLDS WHOSE INCOMES ARE AT OR BELOW 50% OF AREA MEDIAN ACTIVITY C - DEVELOPMENT AND RENTAL BY NON-PROFIT INCOME WITH $927,284 IN FUNDING; 4) IMPLEMENT THAT HAVE BEEN FORECLOSED UPON WITH $100,000 DEMOLITION OF BLIGHTED STRUCTURES WITH $30,000 HOUSING WITH $1,100,000 IN FUNDING; 7) ALLOCATING REDEVELOP DEMOLISHED OR VACANT PROPERTIES AS FUNDS TO PLANNING AND ADMINISTRATION TO EXECUTE THE OVERALL PLANNING, ORGANIZING, STAFFING, DIRECTING, COORDINATING, REPORTING, ALLOWED 10% ($370,913) IN FUNDING; AUTHORIZING THE MAYOR OR HIS DESIGNEE TO SUBMIT THE AMENDMENT TO HUD AND TO EXECUTE ALL DOCUMENTS NECESSARY TO IMPLEMENT THE AMENDMENT AND NSP 3; AND PROVIDING AN EFFECTIVE DATE. AND OPERATE LAND BANKS FOR HOMES AND RESIDENTIAL PROPERTIES IN FUNDING; 5) IMPLEMENT ACTIVITY D - IN FUNDING; 6) IMPLEMENT ACTIVITY E - AND BUDGETING OF THE NSP-3 WITH THE HUD ACQUISITION PURCHASE ESTABLISH NO

4 will allocate additional funding via a formula to the City for a third phase of the NSP ( NSP Program ( NSP ); and WHEREAS, the City has previously received $9,498,962 in funding through the U.S. Department of Housing and Urban Development ( HUD ) Neighborhood Stabilization 3 ); and WHEREAS, during September 2010, the City received notification that HUD 3. Implement Activity B - Purchase, Rehabilitation and Rental of single family assist households whose incomes are at or below 50% of AMI with $927,284 in funding; and multi-family units for development and rental by non-profit developers to 2. Implement Activity B - Acquisition and Rehabilitation of homes and residential or redevelop such homes and properties with $ $980,936 in funding; properties that have been abandoned or foreclosed upon, in order to sell, rent, for a Loan Loss Reserve Program; of foreclosed homes and residential properties and allocate $200,000 in funding 1. Implement Activity A Financing Mechanisms for purchase and redevelopment WHEREAS, because the City has the experience of having implemented NSP1, Administration recommends the following strategies and allocations of funding for NSP 3: income ( AMI ); and shall be used for families or households whose income does not exceed 120% of area median WHEREAS, all of the funds appropriated or otherwise made available under the NSP Activity E - Redevelopment for development and rental by non-profit developers to assist households whose redevelopment of foreclosed homes and residential properties; Activity A - Activity B - Activity B - Purchase Purchase Establishment of financing mechanisms for purchase and and residential properties in order to sell the units to income eligible households; Activity C - Activity D - Allocation of planning and administrative costs to implement the program. Demolition Establishment and rehabilitation of abandoned and foreclosed homes and rehabilitation of single-family or multi-family units incomes are at or below 50% of area median income; of land banks for homes that have been foreclosed; of blighted structures; of demolished or vacant properties; and governments in addressing the effects of abandoned and foreclosed properties in their local communities through the use of the NSP funds as follows: WHEREAS, the purpose of the NSP 3 is to continue to assist states and local Page 2

5 4. Implement Activity C 5. Implement Activity D demolish residential properties that have been foreclosed upon with $100,000 in funding; blighted structures and allocate $30,000; establish and operate land banks for homes and and foreclosures. Areas Identified by HUD as likely to face a significant rise in the rate of home WHEREAS, areas to target for the purchase and rehabilitation of foreclosed upon homes are established according to the areas of greatest need and consist of the following: Areas with the highest percentage of home foreclosures; loans; and Areas with the highest percentage of homes financed by sub-prime mortgage related incomes are at or below 120%; and WHEREAS, $2,410,936 of funding will be directly administered by the City to carry out the City s NSP 3 strategies in accordance with the regulations at 2301(c)(2) of the Housing and Economic Recovery Act of 2008 ( HERA ) and the Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010 to make housing available to households whose WHEREAS, the City believes that addressing the needs of individuals or acquire and rehabilitate housing that would be rented to persons in this income group; and for proposal ( RFP ) to solicit responses from non-profit entities detailing how they would families whose incomes are less than 50% AMI would be better served by preparing a request incomes do not exceed 50% of AMI; and WHEREAS, not less than 25% of the funds appropriated ($927,284) or otherwise made available under NSP 3 shall be used to house individuals or families whose WHEREAS, as funding for other strategies becomes necessary, the City will amend its Annual Action Plan to move funding to those strategies, subject to City Council approval; and since September 8, 2010 are eligible pre-award costs of NSP 3; and WHEREAS, eligible costs associated with planning and administration of NSP 3 NSP 3 with the HUD allowed 10% ($370,913) in funding. organizing, staffing, directing, coordinating, reporting, and budgeting of the 7. Allocate funds to Planning and Administration to execute the overall planning, with $1,100,000 in funding; 6. Implement Activity E - redevelop demolished or vacant properties as housing Page 3

6 WHEREAS, the Administration recommends approving a substantial amendment to the FY Annual Action Plan to implement NSP 3 and the City s NOW THEREFORE, BE IT RESOLVED by the City Council of the City of St. application for the $3,709,133 in grant funding available to the City to stabilize its neighborhoods as it addresses the foreclosure problem in the City. Amendment and NSP 3. submit the Amendment to HUD and to execute all documents necessary to implement the BE IT FURTHER RESOLVED that the Mayor or his designee is authorized to organizing, staffing, directing, coordinating, reporting, and budgeting of the NSP 3 with the HUD allowed 10% ($370,913) in funding. :and 7) Allocate funds to Planning and Administration to execute the overall planning, $1,100,000 in funding; 6) Implement Activity E - redevelop demolished or vacant properties as housing with 5) Implement Activity D properties that have been foreclosed upon with $100,000 in funding; 4) Implement Activity C of AMI with $927,284 in funding; and rental by non-profit developers to assist households whose incomes are at or below 50% 3) Purchase and Rehabilitation of single-family or multi-family units for development such homes and properties with $980,936 in funding properties that have been abandoned or foreclosed upon, in order to sell, rent, or redevelop 2) Implement Activity B Reserve Program; of foreclosed homes and residential properties with $200,000 in funding for a Loan Loss 1) Implement Activity A Financing Acquisition establish demolish blighted structures with $30,000 in funding; and operate land banks for homes and residential and Rehabilitation of homes and residential Mechanisms for purchase and redevelopment Plan ( Amendment ) to add a new Neighborhood Stabilization Program ( NSP-3 ) with allocations of funding is approved: Petersburg, Florida that a Substantial Amendment to the City s FY Annual Action Urban Development ( HUD ) to implement NSP 3 to include the following strategies and $3,709,133 in funding to be allocated to the City by the U.S. Department of Housing and Page 4

7 2011. Adopted at a regular session of the City Council held on the 17th day of February, This resolution shall become effective immediately upon its adoption. ATTEST: Page 5 Presiding Officer of the ccil mes R. Knnedy, Jr. Chair-Comber

8 TABLE OF CONTENTS Page Part 1. Required Sections and Information 1 Housing Market Conditions 1 1. NSP3 Grantee Information 2 2. Areas of Greatest Need 2 Map Submission 3 3. Definitions and Descriptions 3 & 8 Blighted Structures 3 & 8 Affordable Rents 4 & 9 Ensuring Continued Affordability 4 & 9 Applicable Housing Rehabilitation Standards 4 & 9 4. Low-Income Targeting 5 & Acquisition and Relocation 5 & Public Comment 6 & NSP Information by Activity 6 & NSP3 Grantee Information 7 2. Areas of Greatest Need 7 a. Data Sources Used to Determine Areas of Greatest Need 7 b. Determination of Areas of Greatest Need and Applicable Tiers 7 3. Definitions and Descriptions 8 4. Low-Income Targeting Acquisition and Relocation Public Comment NSP Information by Activity 11 a. Activity #1 Establishment of Financial Mechanisms 11 b. Activity #2 Purchase of Homes and Residential Properties 13 c. Activity #3 Purchase and Rehabilitation of Units/Multi-Family 15 d. Activity # 4 Establish and Operate Land Banks 16 e. Activity #5 Demolish Blighted Structures 17 f. Activity #6 Redevelop Demolished or Vacant Properties as Housing 18 g. Activity #7 Planning & Administration Certifications 22 Attachment A Map and NSP3 Planning Data NSP 3 Budget Attachment B Rehabilitation Standards Public Comment

9 a stpetersburg Part I. Required Sections and Information Below is a list of required sections and information that must be included in the NSP3 Action Plan. 1. NSP3 Grantee Information 2. Areas of Greatest Need 3. Definitions and Descriptions 4. Low-Income Targeting 5. Acquisition and Relocation 6. Public Comment 7. NSP Information by Activity 8. Certifications NSP3 Action Plan for the City of St. Petersburg, Florida 2/17/2011 Page 1

10 Housing Market Conditions While the volume of sales showed a large increase in January 2011 over January 2010, the median price on all residential properties dropped an equally large amount. Because January is the slowest of months for sales activity due to it following the month of December, it was unusual to see the numbers of sales climb substantially. January 2011 was the best January for closings since The residential sales were up over 27% from January However, the month to month increases slowed a bit due to unusually high number of sales in December. The median sales price for residential sales in January dropped 28% or $36,000 when compared to the same period in Other key numbers for the month included: For January 2011 the distressed market accounted for 47% of all sales, a decrease of 15% from Currently 48% of all residential listings are distressed properties. Overall, the months supply of inventory is now 10 months for single family homes and 14 months for condominiums. The median price for bank owned properties is $60,000 compared to $101,000 a year ago, while non-bank owned properties is $144,000 compared to $137,000 a year ago. The areas identified for investment of NSP 3 includes Childs Park located in Census Tract 208 and Bartlett Park located within Census Tracts 205, and 212. The foreclosure rates in both census tracts are 14.3$ and 13.1% respectively. The NSP3 Score in both areas is 20. Over 90% of the homes in both areas are comprised of persons whose incomes are below 120% of AMI, and 75% are below 80% of AMI. The estimated properties needed to make an impact in the identified target areas is 21 and 14 respectively. Because of the increase in sales volume noted in January 2011 and number of units needed to make an impact, we believe that the selected target areas are perfect candidates to accomplish this goal (HUD NSP -3 mapping tool data and Pinellas Realtor Organization data). 1. NSP3 Grantee Information All NSP3 grantees are required to provide the contact information for the grantee program administrator so that citizens and other interested parties know whom to contact for additional information. Response: The person to contact about program information about the Neighborhood Stabilization 3 Program is Joshua A. Johnson, who may be reached at (727) , or via at: Joshua.Johnson@Stpete.org. 2. Areas of Greatest Need In this section, grantees identify the specific geography where they expect to carry out their NSP3 program. Each grantee must use the HUD Foreclosure Need website ( to submit to HUD the locations of its NSP3 areas of greatest need. On this site, HUD provides estimates of foreclosure need and a foreclosure related needs scores at the Census Tract level. The scores range from 1 to 20, with a score of 20 indicating census tracts with the HUD-estimated greatest need. The HUDuser site provides additional information and instructions. The neighborhood or neighborhoods identified by the NSP3 grantee as being the areas of greatest need must have an individual score for the grantee s identified target geography that is not less than the lesser of 17 or the twentieth percentile most needy score in an individual state. For example, if a state s twentieth percentile most needy census tract is 18, the requirement will be a minimum need of 17. If, NSP3 Action Plan for the City of St. Petersburg, Florida 2/17/2011 Page 2

11 however, a state s twentieth percentile most needy census tract is 15, the requirement will be a minimum need of 15. HUD will provide the minimum threshold for each state at its website at If more than one neighborhood is identified in the Action Plan, HUD will average the neighborhood NSP3 scores, weighting the scores by the estimated number of housing units in each identified neighborhood. Response: See page 7. Map Submission The Areas of Greatest Need map should be created by following the instructions at the HUD NSP3 Mapping Tool for Preparing Action Plan website at The tool assists NSP3 applicants to prepare data to provide to citizens during the public comment period and to submit with their grant application by allowing applicants to draw the exact location of their target neighborhood. The tool then calculates the number of housing units, Neighborhood NSP3 Score, and State Minimum threshold NSP3 score of the area drawn and sends an back to the applicant within 24 hours. The has an attachment containing the necessary data for the NSP3 application, along with information HUD can use to confirm the intended program area. This document should be included with the Action Plan submission to HUD due no later than March 1, Response: See copy of maps in Attachment A with documents that identifies the areas of greatest need where the City will invest NSP3 funding. Information for States States must include the needs of communities receiving their own NSP allocation. To include the needs of an entitlement community, the State may either incorporate an entitlement jurisdiction s consolidated plan and NSP needs by reference and hyperlink to the Internet, or state the needs for that jurisdiction in the State s own plan. The lead entity for a joint program may likewise incorporate the consolidated plan and needs of other participating entitlement jurisdictions consolidated plans by reference and hyperlink or state the needs for each jurisdiction in the lead entity s own plan. Not applicable 3. Definitions and Descriptions There are some definitions and descriptions that must be included in the NSP3 Action Plan. These definitions and descriptions are to be determined by the grantee and applied to all properties assisted with NSP3 funds. Listed below are the terms that must be defined in your NSP3 Action Plan. Blighted Structures: Most states and localities have official statutes or regulations that define blighted structure for that jurisdiction. If there is no definition of blighted structure to be found in state or local law, grantees must determine an alternate definition and apply it consistently throughout the NSP3 program. Under NSP, structures must be blighted to qualify for demolition, which is why defining the term is so important for NSP grantees. Response: See information on page 8. NSP3 Action Plan for the City of St. Petersburg, Florida 2/17/2011 Page 3

12 Response: See page 9. Affordable Rents: Grantees may use the definition adopted for their CDBG or HOME programs but should carefully review their existing definition to ensure compliance with NSP and its specific requirements including continued affordability. HOME program standards can be used as a safe harbor, but if an alternative standard is applied it must be equal to or exceed the HOME standard. Response: The maximum Affordable Rents shall not exceed the Fair Market Rents ( FMR ) as published annually by the U.S. Department of Housing and Urban Development for the Tampa-St. Petersburg-Clearwater Metropolitan Statistical Area ( MSA ). The rents are listed below: Efficiency 1 Bedroom 2 Bedroom 3 Bedroom 4 Bedroom FMR $714 $792 $958 $1214 $1466 Source: US. Department of Housing and Urban Development The City will monitor and approve the rents charged on an annual basis. Ensuring Continued Affordability: Under NSP, all grantees are required to adopt a definition of continued affordability that at a minimum is at least as strict as the HOME program standards at 24 CFR (a), (c), (e), and (f), and HOME program standards can be used as a safe harbor, but if an alternative standard is applied it must be equal to or exceed the HOME standard. Applicable Housing Rehabilitation Standards: The rehabilitation and new construction standards that will apply for NSP-assisted projects must be included in the Action Plan. Specifically, HUD requires that: o All gut rehabilitation or new construction (i.e., general replacement of the interior of a building that may or may not include changes to structural elements such as flooring systems, columns or load bearing interior or exterior walls) of residential buildings up to three stories must be designed to meet the standard for Energy Star Qualified New Homes. o All gut rehabilitation or new construction of mid -or high-rise multifamily housing must be designed to meet American Society of Heating, Refrigerating, and Air-Conditioning Engineers (ASHRAE) Standard , Appendix G plus 20 percent (which is the Energy Star standard for multifamily buildings piloted by the Environmental Protection Agency and the Department of Energy). o Other rehabilitation must meet these standards to the extent applicable to the rehabilitation work undertaken, e.g., replace older obsolete products and appliances (such as windows, doors, lighting, hot water heaters, furnaces, boilers, air conditioning units, refrigerators, clothes washers and dishwashers) with Energy Star-46 labeled products. o Water efficient toilets, showers, and faucets, such as those with the WaterSense label, must be installed. o Where relevant, the housing should be improved to mitigate the impact of disasters (e.g., earthquake, hurricane, flooding, fires). NSP3 Action Plan for the City of St. Petersburg, Florida 2/17/2011 Page 4

13 HUD also encourages the adoption of energy efficient and environmentally-friendly green elements as part of NSP3 program design. Attachment C to the NSP3 Notice describes in more detail how energy efficient and environmentally-friendly green elements can be incorporated and additional tools on incorporating green rehabilitation standards can be found on the NSP Resource Exchange at www. hud.gov/nspta. Response: See information in Attachment B. 4. Low-Income Targeting NSP3 grantees are required to allocate at least 25 percent of their NSP3 funding allocation to housing for individuals and families with incomes at or below 50 percent of the area median income. NSP grantees may rehabilitate or redevelop abandoned or foreclosed residential property and vacant or demolished residential or nonresidential property to meet this requirement. This section must: Identify the estimated amount of funds appropriated or otherwise made available under the NSP 3 to be used to provide housing for individuals or families whose incomes do not exceed 50 percent of area median income: $ Provide a summary that describes the manner in which the grantee s low income targeting goals will be met. Response: See information on page Acquisition and Relocation When a grantee or one of its partners acquires a property, there are certain tenant protection requirements that may be applicable under the Tenant Protection Act of 2009 and certain relocation requirements that may be applicable under the Uniform Relocation Assistance and Real Property Acquisition Policies Act of For details on the circumstances that trigger these requirements and the steps that must be taken to ensure compliance, read the NSP Tenant Protections at Foreclosure Under the Recovery Act guida nce at tenant-protection pdf and the Real Estate Acquisition and Relocation Policy and Guidance at hud.gov/offices/cpd/librarv/relocation/policya ndguidance/handbookl378.cfm. Response: As part of the acquisition process of foreclosed upon homes, if the cost to rehabilitate the unit is greater than one hundred percent (100%) of the acquisition price, and/or the cost of acquisition and rehabilitation exceeds one hundred percent (100%) loan-to-value after rehabilitation, the City will evaluate the property to determine if demolition is appropriate. If demolition is economically feasible, the City will use NSP3 Funds and/or other City affordable housing funds to construct a new unit. The City is not sure how many low- and moderate-income dwelling units that are below or equal to 80% of AMI are reasonably expected to be demolished or converted as a direct result of NSP3 assisted activities. As the City acquires foreclosed upon and vacant residential properties, a determination will be made at that time of the structural integrity of the property to be rehabilitated and included in the inventory of homes available for sale after acquisition and rehabilitation. If t is determined that the NSP3 Action Plan for the City of St. Petersburg, Florida 2/17/2011 Page 5

14 structure is not structurally sound, the unit will be demolished after it is acquired and placed in the City s land bank. It is anticipated that the acquisition process will begin in late April 2011, or upon execution of grant agreements between HUD and the City with all original allocations obligated or expended within 24- months of signing of the agreement with HUD (April 2013). Rehabilitation assistance to the property will immediately follow if needed. The process will be considered completed as the property is sold and transferred to an eligible homeowner, or, when the unit is rented to an eligible tenant (for nonprofits who receive funding for rental 50% and below). The activities are anticipated to be completed with original allocations by April However, the City will recycle revenues it receives from the sale of units and provide assistance to additional prospective homebuyers. This process will continue until April The City does not intend to acquire properties that are occupied. All properties acquired must be documented to have been vacant for a minimum of 90-days. Public Comment 6. NSP3 grantees are required to follow their citizen participation process as described in the Consolidated Plan and as modified by the N SP3 Notice in order to ensure the public is aware of the NSP3 substantial amendment. Non-entitlement grantees must follow the same abbreviated citizen participation requirements as NSP3 entitlement grantees. A grantee s proposed NSP3 Action Plan must be published and posted on the jurisdiction s website for no less than 15 calendar days for public comment. NSP3 grantees should provide a summary of all public comments in an appendix attached to the Action Plan that is submitted to HUD. Response: The Substantial Amendment to the Annual; Action Plan was discussed with the Housing Services Committee on January 27, 2011, advertised in the St. Petersburg Times on February 2, 2011 and was displayed on the City s website on the same date. The public comment deadline was scheduled for February 17, See comments listed as an attachment to this document. 7. NSP Grantees must describe the activities they plan to implement with their NSP3 awards in the NSP3 Action Plans submitted to HUD. The following information must be included by activity: Eligible CDBG activity or activities Eligible use of funds under NSP3 Brief description of the activity and the general terms under which assistance will be provided including: o how the activity will address local housing market conditions o range of interest rates (if any) o duration or term of assistance o tenure of beneficiaries (e.g. renters or homeowners) o expected benefit to income-qualified persons or households or areas o if the activity produces housing, how the design of the activity will ensure continued affordability o how the grantee shall, to the maximum extent possible, provide for the hiring of employees who reside in the vicinity of NSP3 projects or contract with small businesses that are owned Information by Activity NSP3 Action Plan for the city of St. Petersburg, Florida 2/17/2011 Page 6

15 and operated by persons residing in the vicinity of the project induding information on existing local ordinances that address these requirements o the procedures used to create preferences for the development of affordable rental housing developed with NSP3 funds Areas of greatest need addressed by the activity or activities Amount of funds budgeted for the activity Appropriate performance measures for the activity (e.g. units of housing to be acquired rehabilitated or demolished for the income levels represented in DRGR) Expected start and end dates of the activity Name and location of the entity that will carry out the activity Figure 2-1 provides a summary of eligible uses for NSP3 funds and the correlated CDBG eligible activities that can be used under NSP3. 1. NSP3 Grantee Information NSP3 Program Administrator Contact Information Name (Last, First) Johnson, Joshua Address Joshua.iohnson@Stpete.org Phone Number Fax Number Mailing Address One, Street North, 3 Floor, St. Petersburg, Florida Areas of Greatest Need Map Submission The map generated at the HUD NSP3 Mapping Tool for Preparing Action Plan website is included as an attachment. Data Sources Used to Determine Areas of Greatest Need Describe the data sources used to determine the areas of greatest need. Response: The data sources used to determine areas of greatest need included: Total number of units per census tract The percent of low, moderate, and middle income homeowners Home Mortgage Disclosure Act (HMDA) data Estimated number of delinquent mortgages Number of vacant units per United States Postal Service 90 plus days Census Tract NSP3 Need Score State Minimum Qualifying NSP3 Score Home price declines Unemployment rates in 2010 Determination of Areas of Greatest Need and Applicable Tiers Describe how the areas of greatest need were established and whether a tiered approach is being utilized to determine the distribution of funding. Response: NSP3 Action Plan for the City of St. Petersburg, Florida 2/17/2011 Page 7

16 The City of St. Petersburg ( City ) has targeted the areas of greatest need to be eligible to invest Neighborhood Stabilization Program 3 ( NSP3 ) funds according to Section 2301( c)(2) of the Housing and Economic Recovery act of 2008, and the Dodd Frank Wall Street Reform and Consumer Protection Act of 2010, by pulling reports for the neighborhoods and selected the two with the highest scores which is at 20 and above the State s minimum threshold of 17. To further narrow the process for impact we selected those neighborhoods that met the Area Benefit Eligibility, the number of units required to make an impact and the amenities of the neighborhood that would make it sellabie or attractive to prospective buyers or renters. We were concerned that foreclosure rates data review at this point in time (or on the HUD mapping tool, from June 2010, would be different that the current scenario on the ground. To address this, we reviewed the United States Postal Service data for the number of vacancies over ninety days. Additionally we reviewed data on home value changes along with the unemployment data for the specific neighborhood. Based on vacancies, home value decreases and high rates of unemployment, we felt we could anticipate enough foreclosures in the area in 2011 to meet the impact number 35. The City does not propose a tiered approach in the implementation of its NSP3 Program. 3. Definitions and Descriptions Definitions Term Definition Blighted Structure For purposes of determining blighted structures to be assisted with the NSP funding, blighted structure will be defined as any structure unfit for use, habitation, or dangerous to persons or other property. In addition, a structure is blighted when it exhibits objectively determinable signs of deterioration sufficient to constitute a threat to human health, safety, and public welfare. This includes structures showing evidence of physical decay or neglect, excessive use, or lack of maintenance. Affordable Rents Affordable rents shall be defined as the standards established under the HOME Program and referenced in 24 CFR (a) (b) and (c). Projects identified to serve families at or below 50% AMI will have rents that do not exceed the established rents published annually by HUD. Vicinity Hiring All NSP 3 subrecipients, contractors and subcontractors will be required to demonstrate efforts to achieve Vicinity Hiring during the contracting and rehabilitation process through the following actions: placing signs or posters regarding hiring in prominent places within the development; distributing employment flyers to the residents at these developments, posing employment flyers in the area of the developments; maintaining a log of all applicants and indicate the reasons why vicinity residents who applied were not hired; retaining copies of any employment applications completed by public housing Section 8 certificate or voucher holders or other Section 3 residents; sending a notice about vicinity hiring and Section 3 training and employment requirements and opportunities to the City s Business Assistance Center to work with contractors who are responding to Request for Bids. These efforts are to provide for the hiring of qualified employees who reside in NSP3 Action Plan for the City of St. Petersburg, Florida 2/17/2011 Page 8

17 $40,000 the vicinity of NSP 3 projects and contracts with qualified small businesses that are owned and operated by persons residing within the Areas of Greatest Need. Rental Housing The City will contract with non-profit partners who are experienced in rental Preferences development and management of affordable housing. The NSP 3 Rental Housing will be available to very low income residents whose incomes are at or below 50% of AMI. In addition, NSP 3 non-profit partners will be encouraged to work with local recipients of Section 8 rental assistance and other available resources. Descriptions Term Definition Long-Term Properties for Sale: The City will ensure long-term affordability under the Affordability requirements of Section 2301(f)(3)(A)(ii) through the use of Land Use Restriction Agreements ( LURA ) that will be recorded against the property. If an owner who has been assisted through this program transfers title to the property before the affordability period expires, the assistance provided by the City will be subject to recapture. The property shall at all times be occupied as the principal residence of the owner and shall not be rented, leased, or sold. Properties for Rent: For multi-family developments, the City will implement a first right of refusal that will allow a nonprofit entity that provides affordable housing to eligible housing to have an opportunity to acquire the development. The City will annually monitor the multi-family rental developments that are assisted with NSP3 funds during the affordability period to ensure that units specified to be affordable are occupied by income eligible tenants and that the property continues to meet minimum housing quality standards. In addition, all properties that receive NSP3 funding will be secured by a recorded mortgage and note on the property, in favor of the City. Housing Rehabilitation Standards The City will use the minimum affordability period of the Federal HOME Investment Partnership Program, established at 24 CFR (a), (c), (e), and (f), and 24 CFR The minimum affordability period is listed below for your reference: Up to $15,000 equals 5-years $15,001 - equals 10-years Over $40,000 equals 15-years. New Construction equals 20 years or will run concurrent with affordability requirements of longer duration ( Tax Credits ) The City will use the housing rehabilitation standards utilized by the Housing and Community Development Department Working to Improve our Neighborhoods ( WIN ) Programs, which exceed the minimum code requirements, as described in the City code policies. All housing that requires rehabilitation must meet local building codes adopted by the City, including the Standard Southern Building Code Congress International (SBCCI). The City will incorporate modern, green building and energy-efficiency improvement NSP3 Action Plan for the City of St. Petersburg, Florida 2/17/2011 Page 9

18 standards, whenever feasible, to provide for longer term sustainability (see Attachment B). 4. Low-Income Targeting Low-Income Set-Aside Amount Enter the low-income set-aside percentage in the first field. The field for total funds set aside will populate based on the percentage entered in the first field and the total NSP3 grant. Identify the estimated amount of funds appropriated or otherwise made available under the NSP3 to be used to provide housing for individuals or families whose incomes do not exceed 50 percent of area median income. Response: Total low-income set-aside percentage (must be no less than 25 percent): 25.00% Total funds set aside for low-income individuals = $927, Meeting Low-Income Target Provide a summary that describes the manner in which the low-income targeting goals will be met. Response: It is anticipated that the 25% set aside will be available for nonprofit housing providers to procure single-family and multi-family foreclosed upon residential structures, to serve their client base whose incomes are at or below 50% of AMI. An RFP will be prepared to solicit providers who will procure and rehabilitate properties to serve persons in this income category. The RFP s will be reviewed by members of the City s Project Review Team to determine the feasibility of the projects. The City may provide other incentives for housing partners to assist special needs populations who bring forth creative mechanisms to provide homeownership to low income households. It is anticipated that the City s nonprofit housing partners will be able to secure properties for rental purposes. Each entity will be required to execute a Land Use Restriction Agreement based upon the terms described in Section 3 above to meet long term affordability requirements. 5. Acquisition and Relocation Demolition or Conversion of IMI Units Does the grantee intend to demolish or convert any low- and moderate-income dwelling units (i.e., 80% of area median income)? Yes If yes, fill in the table below. Question Number of Units The number of low- and moderate-income dwelling units i.e., 80% of area median income reasonably expected to be demolished or converted as a direct result of NSP-assisted activities. 6 The number of NSP affordable housing units made available to low-, moderate-, NSP3 Action Plan for the City of St. Petersburg, Florida 2/17/2011 Page 10

19 and middle-income households i.e., 120% of area median income reasonably expected to be produced by activity and income level as provided for in DRGR, by each NSP activity providing such housing (including a proposed time schedule for commencement and completion). 13 The number of dwelling units reasonably expected to be made available for households whose income does not exceed 50 percent of area median income Public Comment Citizen Participation Plan Briefly describe how the grantee followed its citizen participation plan regarding this proposed substantial amendment or abbreviated plan. Response: The City followed its citizen participation plan regarding this proposed substantial amendment by advertising the proposed Substantial Amendment and Plan in the St. Petersburg Times on January through February The substantial amendment and Plan were also displayed on the City s website. The public comment deadline was scheduled for February 16, Summary of Public Comments Received. The summary of public comments received is included as an attachment to this document. 7. NSP Enter each activity name and fill in the corresponding information. If you have fewer than seven activities, please delete any extra activity fields. (For example, if you have three activities, you should delete the tables labeled Activity Number 4, Activity Number 5, Activity Number 6, and Activity Number 7. If you are unsure how to delete a table, see the instructions above. The field labeled Total Budget for Activity will populate based on the figures entered in the fields above it. Consult the NSP3 Program Design Guidebook for guidance on completing the Performance Measures component of the activity tables below. Information by Activity Activity Number 1 Establish financing mechanisms for purchase and redevelopment of.. foreclosed upon homes and residential properties, including Activity such mechanisms Name as soft-seconds, loan loss reserves, and shared-equity loans for low and moderate-income homebuyers Select all that apply: Eligible Use A: Financing Mechanisms LI Eligible Use B: Acquisition and Rehabilitation se Eligible Use C: Land Banking LI Eligible Use D: Demolition LI Eligible Use E: Redevelopment CDBG Activity or 24 CFR Activities 2301(c )(3)(B) of HERA [J NSP3 Action Plan for the City of St. Petersburg, Florida 2/17/2011 Page 11

20 3 10% (b) Disposition, (n) Direct homeownership assistance (as modified below). HUD notes that any of the activities listed above may include required homebuyer counseling as an activity delivery cost. New construction of housing is eligible as part of the redevelopment of demolished or vacant properties. National Objective Low Moderate Middle Income Housing (LMMH) The establishment of financing mechanisms will address the problems that may be associated with a lender financing the first mortgage of a homebuyer... whom it believes may not quite be able to honor its Activity commitment Description to repayment of a loan. Establishment of a loan loss reserve fund of $200,000 should leverage a portfolio of $2,000,000 in loans from financial institutions. A Request for Qualification will be conducted to procure interested lenders.... Affordability period for each property will be based on the amount Affordability of Period.. assistance received as a disposition cost. See page 5. The activity will be available to properties assisted throughout the areas of Location Description greatest need referenced in Section A. All NSP 3 subrecipients, contractors and subcontractors will be required to demonstrate efforts to achieve Vicinity Hiring during the contracting and rehabilitation process through the following actions: placing signs or posters regarding hiring in prominent places within the development; distributing employment flyers to the residents at these developments, posing employment flyers in the area of the developments; maintaining a log of all applicants and indicate the reasons why vicinity residents who applied were Vicinity Hiring not hired; retaining copies of any employment applications completed by public housing Section 8 certificate or voucher holders or other Section 3 residents; sending a notice about vicinity hiring and Section 3 training and employment requirements and opportunities to the City s Business Assistance Center to work with contractors who are responding to Request for Bids. These efforts are to provide for the hiring of qualified employees who reside in the vicinity of NSP projects and contracts with qualified small businesses that are owned and operated by persons residing within the Areas of Greatest Need. Tenure of Housing This strategy is restricted to homeownership only. Range of Interest Rates Households assisted by the City will receive an interest rate of 0%. Affordable Rental Preferences Not applicable. Source of Funding Dollar Amount B U dge NSP3 $200, (Other funding source) $0.00 (Other funding source) $0.00 Total Budget for Activity $200, Performance Measures The City estimates that no more than 2 - of its total loan portfolio might be impacted by a loss. Projected Start Date 4/15/2011 Projected End Date 4/14/2014 NSP3 Action Plan for the City of St. Petersburg, Florida 2/17/2011 Page 12

21 Name City Of St. Petersburg Housing And Community Development Department Responsible Location One, 4th Street North, 3rd Floor, St. Organization Petersburg, Florida Administrator Contact Info Joshua A. Johnson, Director, (727) , Activity_Number 2.. Purchase and rehabilitate homes and residential properties that have been Activity Name abandoned or foreclosed upon Select all that apply: Eligible Use A: Financing Mechanisms Eligible Use B: Acquisition and Rehabilitation ses Eligible Use C: Land Banking Eligible Use D: Demolition Eligible Use E: Redevelopment Eligible Activities found at 24 CER , and 24 CFR (m) Homeownership Assistance. 24 CFR (a) Acquisition CDBG Activity or CFR (b) Disposition Activities. 24 CFR (i) Relocation 24 CFR (n) Direct homeownership assistance 2301(c )(3)(B) of HERA National Objective Low Moderate Middle Income Housing (LMMH) The Purchase and Rehabilitation activity will address neighborhood stabilization within the identified areas of greatest need through the purchase and rehabilitation of NSP3 eligible properties for sale or rental to income eligible residences. The City s Real Estate and Property Management (REPM) will make every effort to acquire homes by utilizing the First Look Program where practical. The First Look Program provides NSP3 grantees exclusive access to review and purchase newly conveyed FHA real estate owned (REO) properties that are located in their designated areas. Grantees will have the opportunity to make a purchase offer on a property prior to it being made available to other entities. NSP grantees can purchase these properties at up.... to a 10% discount from the appraised value. Oversight of rehabilitation and Activity Description. reconstruction of properties will be conducted by the Housing and Community Development Department (HCD), and sales of the rehabilitated or reconstructed units by REPM. The City will also utilize a minimal amount of funding, if necessary for carrying costs for NSP1 properties that are currently available for sale to eligible homebuyers. The rehabilitation costs for properties acquired through this activity shall not exceed 100% of the appraised value of the housing unit. Homes will be rehabilitated with Green energy standards and made available to eligible LMMIH households for acquisition as permanent residence. The City will provide principal buy-downs to eligibte purchasers of up to $22,000 based NSP3 Action Plan for the City of St. Petersburg, Florida 2/17/2011 Page 13

22 I upon household income. Principal buy-downs will address NSP eligible scattered sites within the identified Areas of Greatest Need (Priority Areas), though direct assistance to income eligible homebuyers by providing principal buy-downs from NSP3 for households whose incomes are at or below 50% of area median income (AMI) not to exceed $12,000 and forgiven over the affordability period. Additional assistance of up to $10,000 in assistance will be provided from State Housing Initiatives Partnership (SHIP) funding. Low income households whose incomes are between 50% and 80% of AMI will be assisted with up to $12,000 of NSP2 combined with an additional $8,000 of SHIP funding, and will be forgiven over the affordability period. For households whose incomes are between 80% and 120% of AMI up to $6,000 in NSP assistance will be provided in the form of an amortized loan. The City will monitor the properties that are assisted with NSP3 funds during the affordability period. All Uniform Relocation Act (URA) requirements and local anti-displacement policies will be followed. Through training and procedures, the City intends to avoid any displacement of tenant occupied properties or otherwise legally occupied units that trigger URA. Normal notice to the seller concerning URA rights and visual inspections of properties before contract offer and closings will be used to prevent URA compliance activities, where possible. The activity will be carried out in the areas of greatest need referenced in Location Description. Section A The City will to the maximum extent feasible, provide for hiring of employees that reside in the vicinity of NSP3 funded projects or contract with small businesses that are owned and operated by persons residing in the vicinity of NSP3 projects. This will include but not be limited to advertising in local newspapers and on the City s website for the employees and businesses that the City will need to carry out the substantial amendment to the FY 2010 Annual Action Plan. The City will work through its Business Assistance Center Vicinity Hiring and Purchasing Department to specify in partner contracts that partners will reach out to individuals in the Areas of Greatest Need when hiring new employees. The City will continue to adhere to the local, State and Federal procurement procedures in this solicitation process. The City will create preferences for the development of affordable rental housing by conferring with partners to determine an appropriate area of need and properties for rental housing. Tenure of Housing Assistance will be provided to homeownership only. Affordability period for each property will be based on the amount of Affordability Period assistance received as a disposition cost. See page 5. Range of Interest Rates All assistance provided to households will be at 0% interest. Affordable Rental Not applicable. Preference Source of Funding Dollar Amount NSP3 I $980, Budget (Otherfundingsource) $0.00 (Otherfundingsource) $0.00 NSP3 Action Plan for the City of St. Petersburg, Florida 2/17/2011 Page 14

23 Program Total Budget for Activity $980, Decreased number of vacant homes on the market and increased average Performance Measures sales price of homes in Area of Greatest Need. The City expects to acquire and reconstruct or rehabilitate 6 units. Projected Start Date 4/15/2011 Projected End Date 4/14/20 14 Name City Of St. Petersburg Housing And Community Development Department Responsible Location One, 4th Street North, 3rd Floor, St. Organization Petersburg, Florida Administrator Contact Info Joshua A. Johnson, Director, (727) joshua.johnson@stpete.org Activity Number 3.. Purchase and Rehabilitation of Units (single-family or multi-family) 25% Activity Name Setaside (Rental) Select all that apply: Eligible Use A: Financing Mechanisms Use Eligible Use B: Acquisition and Rehabilitation Eligible Use C: Land Banking Eligible Use D: Demolition Eligible Use E: Redevelopment Eligible Activities found at 24 CFR , Section 2301 ( B ) and 24 CFR 24 CFR (a) Acquisition. 24 CFR (b) Disposition. 24 CFR (i) Relocation CDBG Activity or. 2301(c )(3)(B) of HERA Activities 24 CFR (a)(1) - Eligible rehabilitation and preservation activities for homes and other residential properties 24 CFR (b)(9) Delivery Costs for the rehabilitation activity National Objective Low-Income Housing to Meet 25% Set-Aside (LH25) Activity will provide for improve permanent residential structures that will be occupied by households whose incomes are at or below 50% of AMI for LMMIH households. Nonprofit entities with whom the City forms a partnership will make every effort to acquire units by utilizing the First Look Program where practical. The First Look Program provides NSP3 grantees.... exclusive access to review and purchase newly conveyed FHA real estate Activity Description.. owned (REO) properties that are located in their designated areas. Developers of properties acquired with NSP3 funding will have the opportunity to make a purchase offer on a property prior to it being made available to other entities. NSP grantees and developers utilizing NSP funding can purchase these properties at up to a 10% discount from the appraised value. E NSP3 Action Plan for the City of St. Petersburg, Florida 2/17/2011 Page 15

24 The activity will be carried out in the areas of greatest need referenced in Section A. Specific properties will be evaluated for acquisition and... rehabilitation, by the City and nonprofit agency. Factors may include Location the cost Description of the property, the amount of rehabilitation necessary to bring the property into compliance with local codes and make it habitable for occupancy by lowand moderate-income tenants. The City will make every effort to request that subrecipients provide for the hiring of individuals and small businesses that are owned and operated by persons residing in the vicinity of the NSP3 projects. This will include but not be limited to advertising in local newspapers and on the City s website for the employees and businesses that the City will need to carry out the substantial amendment to the FY 2010 Annual Action Plan. The City will work through its Vicinity Hiring Business Assistance Center and Purchasing Department to specify in partner contracts that partners will reach out to individuals in the Areas of Greatest Need when hiring new employees. The City will continue to adhere to the local, State and Federal procurement procedures in this solicitation process. The City will create preferences for the development of affordable rental housing by conferring with partners to determine an appropriate area of need and properties for rental housing.. Affordability period for each property will be based on the amount of Affordability Period.. assistance received as a disposition cost. See page 5. Tenure of Housing All properties in this strategy will be rental housing. The City will contract with non-profit partners who are experienced in rental development and management of affordable housing. The NSP 3 Rental Affordable Rental Housing will be available to very low income residents whose incomes are at Preferences or below 50% of AMI. In addition, NSP 3 non-profit partners will be encouraged to work with local recipients of Section 8 rental assistance and other available resources. Source of Funding Dollar Amount Budget NSP3 $927, (Other funding source) $0.00 (Other funding source) $0.00 Total Budget for Activity $927, Performance Measures The City shall help a nonprofit to acquire and rehabilitate a housing development(s) of up to 16 units. Projected Start Date 4/15/2011 Projected End Date 4/14/20 14 Name City Of St. Petersburg Housing And Community Development Department Responsible Location One, 4th Street North, 3rd Floor, St. Organization Petersburg, Florida Administrator Contact Info Joshua A. Johnson, Director, (727) , joshua.johnson@stpete.org.. Activity Number 4 [ Activity Name Establish and Operate Land Banks for homes and residential properties that NSP3 Action Plan for the City of St. Petersburg, Florida 2/17/2011 Page 16

25 3 have been foreclosed upon Select all that apply: Eligible Use A: Financing Mechanisms Eligible Use B: Acquisition and Rehabilitation Use Eligible Use C: Land Banking Eligible Use D: Demolition Eligible Use E: Redevelopment The City will maintain properties it has acquired with NSP 1 funding and do.. not have the resources available to currently develop CDBG in the land bank for Activity or.... future development. The City will also utilize NSP3 funding to assist with Actlvities carrying costs of its land banked properties until it is able to pull properties from the land bank for development. National Objective Low Moderate Middle Income Housing (LMMH) The City will utilize funding from NSP3 program funds to assist with carrying Activity Description costs associated with the management and upkeep of the NSP1 properties currently in the land bank. The upkeep and management of the properties will ensure that the properties are not contributing of the blight of neighborhoods the City intends to stabilize with use of NSP - funding. The activity will occur in the City s NSP Location Description 3 Area of Greatest Need. Oversight of ensuring that the properties are maintained until the City is approached to pull properties from the inventory for redevelopment will be conducted by the Housing and Community Development Department (HCD).. Affordability period for each property will be based on Affordability the amount of Period.. assistance received as a disposition cost. See page 5. Tenure of Housing The end use of all properties in this strategy will be homeownership. Range of Interest Rate When developed homebuyers will be assisted at 0% interest. Affordable Rental Not applicable. Preferences Source of Funding Dollar Amount Budget (Other funding source) $0.00 Total Budget for Activity $100, The City intends to utilize the funding to address carrying costs for properties Performance Measures that are currently in the land bank. Projected Start Date 4/15/2011 Projected End Date 4/14/20 14 NSP3 $100, (Other funding source) $ E E. Name (Organization Name) Responsible... Location (Organization Address) Organization Administrator Contact Info (Administrator phone, ) Activity Name Use Activity Number 5 Demolish blighted structures Select all that apply: NSP3 Action Plan for the City of St. Petersburg, Florida 2/17/2011 Page 17

26 CDBG Activity or Activities National Objective E Eligible Use A: Financing Mechanisms Eligible Use B: Acquisition and Rehabilitation Eligible Use C: Land Banking Eligible Use D: Demolition Eligible Use E: Redevelopment 24 CFR (d) Clearance for blighted structures only. (b) Disposition Low Moderate Middle Income Housing (LMMH).... The clearance of properties that will be demolished and reconstructed Activity for Description low, moderate, and middle-income persons. Location Description The activity will be carried out in the areas of greatest need referenced in Section A. Specific properties that are blighting will be evaluated for rehabilitation necessary to bring the property into compliance with local codes to make them habitable for occupancy by low, moderate, and middle income persons. The City will make every effort to ensure that contractors provide for the hiring of individuals and small businesses that are owned and operated by persons residing in the vicinity of the NSP3 projects. This will include but not be limited to advertising in local newspapers and on the City s website for the Vicinity Hiring employees and businesses that the City will need to carry out the substantial amendment to the FY 2010 Annual Action Plan. The City will work through its Business Assistance Center and Purchasing Department to specify in partner contracts that partners will reach out to individuals in the Areas of Greatest Need when hiring new employees. Tenure of Housing All properties in this strategy will be homeownership. Range of Interest Rates All households provided assistance in the future will be at 0% interest. Affordable Rental Preferences Not applicable. Source of Funding Dollar Amount NSP3 $30, Budget (Other funding source) $0.00 (Other funding source) $0.00 Total Budget for Activity $30, Performance Measures The City has budgeted for the demolition of 6 properties. Projected Start Date 4/15/2011 Projected End Date 4/14/20 14 Name City Of St. Petersburg Housing And Community Development Department Responsible Location One, 4th Street North, 3rd Floor, St. Organization Petersburg, Florida Administrator Contact Info Joshua A. Johnson, Director, (727) , joshus.johnson@stpete.org Activity Name Use Activity_Number_6 Redevelop demolished or vacant properties as housing Select all that apply: NSP3 Action Plan for the City of St. Petersburg, Florida 2/17/2011 Page 18

27 fj Eligible Use A: Financing Mechanisms Eligible Use B: Acquisition and Rehabilitation Eligible Use C: Land Banking Eligible Use D: Demolition Eligible Use E: Redevelopment 24 CFR (a) Acquisition, (b) Disposition, (n) Direct homeownership assistance (as modified below) CFR Eligible rehabilitation CDBG and preservation activities for Activity or demolished or vacant properties. Activities HUD notes that any of the activities listed above may include required homebuyer counseling as an activity delivery cost. New construction of housing is eligible as part of the redevelopment of demolished or vacant properties. National Objective Low Moderate Middle Income Housing (LMMH) The Purchase and Rehabilitation activity will address neighborhood stabilization within the identified target areas through the purchase and rehabilitation of NSP3 eligible properties for sale or rental to income eligible households. The City s Real Estate and Property Management (REPM) will make every effort to acquire homes through the First Look Program where Activity Description local governments who have an NSP3 program may purchase properties at discounts of 10%, whenever feasible, and receive advance review of properties of up to 14 days. Oversight of rehabilitation and reconstruction to properties will be conducted by the Housing and Community Development Department (HCD), and sales of the rehabilitated or reconstructed units by REPM. The activity will be carried out in the areas of greatest need referenced in Section A. Specific properties will be evaluated for acquisition and rehabilitation, by the City and nonprofit agency. Factors may include the cost of the property, the amount of rehabilitation necessary to bring the property into compliance with local codes and make it habitable for occupancy by lowand moderate-income tenants. J Location Description. Vicinity Hiring The City will to the maximum extent feasible, make every effort to request that contractors provide for the hiring of individuals and small businesses that.. are owned and operated by persons residing in the vicinity of the NSP3 projects. This will include but not be limited to advertising in local newspapers and on the City s website for the employees and businesses that the City will need to carry out the substantial amendment to the FY 2010 Annual Action Plan. The City will work through its Business Assistance Center and Purchasing Department to specify in partner contracts that partners will reach out to individuals in the Areas of Greatest Need when hiring new employees. The City will continue to adhere to the local, State and Federal procurement procedures in this solicitation process. The City will make every effort to ensure that contractors provide for the hiring of individuals and small businesses that are owned and operated by persons residing in the vicinity of the NSP3 projects. This will include but not NSP3 Action P an for the City of St. Petersburg, Florida 2/17/2011 Page 19

28 be limited to advertising in local newspapers and on the City s website for the employees and businesses that the City will need to carry out the substantial amendment to the FY 2010 Annual Action Plan. The City will work through its Business Assistance Center and Purchasing Department to specify in partner contracts that partners will reach out to individuals in the Areas of Greatest Need when hiring new employees. Tenure of Housing All properties assisted will be homeownership. Range of Interest Rates All households assisted with be at 0% interest. Affordable Rental Not applicable. Preferences Source of Funding Dollar Amount NSP3 $1,100, Bu dget (Other funding source) $0.00 (Other funding source) $0.00 Total Budget for Activity $1,100, The City proposes to construct 7 new units on currently held land banked Performance Measures properties, or properties that are acquired adjacent to properties that have been improved by the City s NSP1 Program. Projected Start Date 4/15/2011 Projected End Date 4/14/20 14 Name City Of St. Petersburg Housing And Community Development Department Responsible Location One, 4th Street North, 3rd Floor, St. Organization Petersburg, Florida Administrator Contact Info Joshua A. Johnson, Director, (727) , joshus.johnson@stpete.org Activity_Number_7 Activity Name Planning and Administration Select all that apply: Eligible Use A: Financing Mechanisms Eligible Use B: Acquisition and Rehabilitation Use LI Eligible Use C: Land Banking Eligible Use D: Demolition Eligible Use E: Redevelopment CDBG Activity or... General Administration Activities National Objective (Select One) NSP3 Program Administration funds will be used to pay reasonable and.... necessary expenses for implementing the program. This includes Activity but is Description not.... limited to City Staff salaries, office supplies, and the engagement of for profit contractors and nonprofit developers to assist with implementing the plan. The activity will be carried out in the areas of greatest need referenced in... Section A and identified on the map. Specific Location properties will be evaluated Description..... for acquisition and rehabilitation or reconstruction. Factors may include the cost of the property, the amount of rehabilitation necessary to bring the El El El NSP3 Action Plan for the City of St. Petersburg, Florida 2/17/2011 Page 20

29 property into compliance with local codes and make it habitable for occupancy by low-, moderate, and middle-income households (LMMIH). The City will do everything possible to take advantage of the First Look program with the National Community Stabilization Trust, where NSPP3 Grantees are given an exclusive day window to evaluate and bid on properties before others can do so. Source of Funding Dollar Amount Budget NSP3 $370, (Other funding source) $0.00 (Other funding source) $0.00 Total Budget for Activity $370, Performance Measures Not applicable Projected Start Date 4/15/2011 Projected End Date 4/14/2014 N ame City Of St. Petersbnurg Housing And Community Development Department Responsible Location One, 4th Street North, 3rd Floor, St. Organization Petersburg, Florida Administrator Contact Info Joshua A. Johnson, Director, (727) , joshua.johnson@stpete.org NSP3 Action Plan for the City of St. Petersburg, Florida 2/17/2011 Page 21

30 through that analysis, and maintain records reflecting the analysis and actions in this regard. housing, which means that it will conduct an analysis to identify impediments to fair housing choice within the jurisdiction, take appropriate actions to overcome the effects of any impediments identified (1) Affirmatively furthering fair housing. The jurisdiction certifies that it will affirmatively further fair Certifications for State and Entitlement Communities 2/17/2011 Page 22 NSP3 Action Plan for the City of St. Petersburg, Florida whose incomes do not exceed 120 percent of area median income; and (11) The jurisdiction certifies: a. that all of the NSP funds made available to it will be used with respect to individuals and families years, of receipt of the grant. of 2009 by spending 50 percent of its grant funds within 2 years, and spending 100 percent within 3 and Consumer Protection Act and Title Xli of Division A of the American Recovery and Reinvestment Act (10) Use of funds. The jurisdiction certifies that it will comply with the Dodd-Frank Wall Street Reform entitlement jurisdictions use this certification.] Comprehensive Housing Affordability Strategy) that has been approved by HUD. [Only States and (9) Following a plan. The jurisdiction certifies it is following a current consolidated plan (or modified by NSP requirements. citizen participation plan that satisfies the requirements of Sections 24 CFR or , as (8) Citizen participation. The jurisdiction certifies that it is in full compliance and following a detailed Development Act of 1968 (12 U.S.C. 1701u), and implementing regulations at 24 CFR part 135. (7) Section 3. The jurisdiction certifies that it will comply with section 3 of the Housing and Urban provisions are modified by the notice for the NSP program published by HUD. of 1970, as amended (42 U.S.C. 4601), and implementing regulations at 49 CFR part 24, except as those relocation requirements of the Uniform Relocation Assistance and Real Property Acquisition Policies Act (6) Acquisition and relocation. The jurisdiction certifies that it will comply with the acquisition and funds are consistent with its consolidated plan or abbreviated plan, as applicable. (5) Consistency with plan. The jurisdiction certifies that the housing activities to be undertaken with NSP HUD regulations and other program requirements. legal authority to carry out the programs for which it is seeking funding, in accordance with applicable applicable, is authorized under state and local law (as applicable) and that the jurisdiction possesses the (4) Authority of jurisdiction. The jurisdiction certifies that the consolidated plan or abbreviated plan, as part. restrictions on lobbying required by 24 CFR part 87, together with disclosure forms, if required by that (3) Anti-lobbying. The jurisdiction must submit a certification with regard to compliance with residential anti-displacement and relocation assistance plan. (2) Anti-displacement and relocation plan. The applicant certifies that it has in effect and is following a 8. Certifications

31 charged or assessment made as a condition of obtaining access to such public improvements. revenue sources, an assessment or charge may be made against the property with respect to However, if NSP funds are used to pay the proportion of a fee or assessment attributable to the capital costs of public improvements (assisted in part with NSP funds) financed from other properties owned and occupied by persons of low- and moderate-income, including any fee 2/17/2011 Page 23 NSP3 Acflon Plan for the City of St. Petersburg, Florida Title City Administrator Signature/Authorized Official Date Tish Elston : affordable rental housing for properties assisted with NSP3 funds. procedures described in its NSP3 Abbreviated Plan to create preferences for the development of (17) Development of affordable rental housing. The jurisdiction certifies that it will be abide by the that are owned and operated by persons residing in the vicinity of NSP3 projects. hiring of employees that reside in the vicinity of NSP3 funded projects or contract with small businesses (16) Vicinity hiring. The jurisdiction certifies that it will, to the maximum extent feasible, provide for (15) Compliance with laws. The jurisdiction certifies that it will comply with applicable laws. this title. concerning lead-based paint wll comply with the requirements of part 35, subparts A, B, J, K, and R of (14) Compliance with lead-based paint procedures. The jurisdiction certifies that its activities the Fair Housing Act (42 U.S.C ), and implementing regulations. conducted and administered in conformity with Title VI of the Civil Rights Act of 1964 (42 U.S.C. 2000d), (13) Compliance with anti-discrimination laws. The jurisdiction certifies that the NSP grant will be the enforcement of state and local laws. c. The City s use of force policy applies to all situations. Inherent in the Department s policies are exit from, a facility or location that is the subject of such nonviolent civil rights demonstrations within its jurisdiction. b. A policy of enforcing applicable state and local laws against physically barring entrance to, or jurisdiction against any individuals engaged in nonviolent civil rights demonstrations; and a. A policy prohibiting the use of excessive force by law enforcement agencies within its (12) Excessive force. The jurisdiction certifies that it has adopted and is enforcing: NSP or CDBG funds to cover the assessment. improvements financed by a source other than NSP funds if the jurisdiction certifies that it lacks to properties owned and occupied by moderate-income (but not low-income) families, an the public improvements financed by a source other than CDBG funds. In addition, with respect assessment or charge may be made against the property with respect to the public with CDBG funds, including Section 108 loan guaranteed funds, by assessing any amount against b. The jurisdiction will not attempt to recover any capital costs of public improvements assisted

32 Attachment A

33 I Ll i L MONDAY MORCH 07, 201 There is no data currently available for this project. illidli: I o.- Site Map Print Font A A A Q SHARE PERIODICALS DATA SETS OJlCK LINKS CONTACT US Neighborhood Stabilization Program Grants The Neighborhooo Stabilization Program fnspf provides grants to address the problems associated with homes thai have been foreclosed upon and are creating economic problems for their communities, Enter an Address, city or state Map Options : Clear I Reset Florida Pinellas Click Mode: Zoom I Info NSP3 Legend (%): Tract Outline LOG OUT NSP3 Options 15 Current Zoom Level Show Tracts Outline (Zoom 11+) In MIt 113th Ave S Click here for an Overview 13thAveS th Ave S! DRAW VIEW DATA l3thaves * VIEW PROJECTS l4ihaves METHODOLOGY INSTRUCTIONS The NSP3 mapping tool now provides a summary NSP3 score for all projects drawn. Click on View Projects, which wilt list all of the projects (target areas) that have data calculated, It shows the NSP3 score for each target area along with the total estimated housing units in that area. At the bottom of the list is a sum of all housing units in all target areas and the NSP3 score for all target areas drawn. Grantees are advised to know their state minimum and if the summary score is less than the state minimum the grantee should delete, add, or revise target areas. Note that if you delete or add, the tool only recalculates after you close the View Projects box and reopen It. iwo also advises grantees to think carefully about the size of their target areas in total, If those target areas have a very large number of total housing units relative to the dollars available, HUD will likely ask that the grantee reduce the number andlor size of their target areas. In Co Co th Ave S S is Co in 26thAveS I. Co 0) ISthAve S a Co in S. 21stA, es 23rdAveS 24th Ave S Ce 22ndAveS Yarmouth Ave S 25th Ave S Co Z C ) IAvSS Co 2SthAveS,,9s Dr 26th Ave S 5.3 Ci) (I 15 29th Ave S 30th Avi S 20th Ave S 21st Ave S 27th Ave S 2SthAveS 1)) 29thAveS Bayview Thirty- First Stret Z2ndAveS -- Map data 2b Googl.S l8ttiases I 1J CS U) I ) 0 0 l6thaves Mel-Tan 1 Heights l13thaves 2Oih Ave S 2lstAveS 26th Ave $

34 th communitres..r// V Program Grants Ih 1 Neighborhood Stabilization /. I P1 ABOUT PD&R RESEARCH FINDER QUICK LINKS CONTACT US foreclosed upon and are creating economic problems for their address the problems associated with homes tha1 have been The Neighborhood Stabilization Program (NSP) ørovides grants to PERIODICALS DATA SETS Site Map I Print Font A A A ( ILl : llii OL and the NSP3 score for all target areas number andlor size of their target areas. sum of all housing units in all target areas with the total estimated housing units in likely ask that the grantee reduce the very large number of total housing units areas in total. If those target areas have a carefully about the size of their target close the View Projects box and reopen is less than the State minimum the state minimum and if the summary score NSP3 score for each target area along that have data calculated. It shows the that area. At the bottom of the list is a grantee should delete, add, or revise target areas. Note that if you delete or will list all of the projects (target areas) it. HIJD also advises grantees to think drawn. Click on View Projects, which drawn. Grantees are advised to know their add, the tool Only recalculates after you relative to the dollars available, HUD will 14th Ave S 13th Ave S 13th Ave S summary NSP3 score for all projects l2thave$ The NSP3 mapping tool now provides a lithaves cc MelroseMercy tthaves Shore 23rd? 22nd Heights 2IMAveS Fruitland 0 _ lltiraves Cr, C,, Cd) SQ 9 La 1)1 Vt SQcn Ca l8thaves Ci) 5ttrAveS isthaves C,, (a 15th Ave S La CrC Dali Blvd 4UrAteS fl!l Ps! SQ Ci) ViEW PROJECTS METHODOLOGY INSTRUCTIONS rporl l tthei DRAW VIEW DATA 6th Ace S 6th Ave S E 15 Currant Zoom Level NSP3 Options a. Click Mode: Zoom Info Show Tracts Outline (Zoom 11+) 4th AyeS 4th Ace S., a 51,JUULIa L SR VP PIAflI 5th Teriace S cn Si Petersburg cc -H m.. S t4ew 9nAve of South Florida *r Click here for an Overview E l4thaves l7thaves H - Bartlett SthAveS Pa th Ave S Meirose Ave S l2thaves - l3thaves - l2chaues C y ::8rk lithaves ood Histonc Orb Terrace S I 9th Ave 5 iave - - Bayfront H NSP3 Legend (%): Tract Outline t5have$ - itsses icy Ave S h Ave S -n SQ SQ cc Car SQ Lake Maggiore 23rdAveS 922ndAveS 2 SQ if SQ 2.llhAveS 24rhAveS 24thAueS SQ SQ lbthaves - 18*rAveS serisboro AyeS 7th Av S 15th Ave S St Heights l5ttiaces Thirteenth NeetonAveS The Urwvereity - 6th Ace $ 23rd Ave S 22nd Ave S 22nd Ave S SQ H ghlss1othys Ave - 21.tAvIrS 21 - Bartlett Parlr 20th Ave S cc 2tth Crmwetl 9trrveS Southeast Old 6th AceS Path. Stadium Dr LOG OUT a Map Options Clear j Reset Enter an Address, city or state Go I Florida Pinellas MONOAYMARCHO7, CII

35 - 0 Q 0 Z -, z o ii 2 155A il 154AV1 I5OAVI i4at1 2 I42AVt 138A d 134AV1 I3OAVI S 4 2 C i IS i 7 S I S BOCA CIEGA BAY rnv pow AJBERT WHrrFED RP0 Iy NORfl1 TAMPA BAY 120A 4 1AV II8AVI II4AVI IIOAVI IOSAVI IO2AV1 GOAVE 94AVE OOAVE 8SAVE O2AVE leave 74AVE 7QAVE SSAVE S2AVE 5SAVE 54AVE 5OAVE 4SAVE 42AVE 3SAVE 34AVE 3OAVE 2SAVE AVE ISAVE ISAVE 9AVE 5AVE 2 AVE IAVE 5AVE 7AVE have I5AVE h8ave 22AVE 2SAVE 30 AVE S4AVE 3SAVE 42AVE 48AVE 5OAVE 54AVE 68AVE S2AVE OSAVE 7OAVE 74AVE 78AVE S2AVE UI UI UI UI U... u kicf ) AEA INOT-O i-rizi- V code A NSP-3AREA

36 Neighborhood ID: NSP3 Planning Data Grantee ID: E Grantee State: FL Grantee Name: ST PETERSBURG Grantee Address: One, 4th Street North St. Petersburg Florida Grantee Neighborhood Name: Childs Park AOGN3 Date: :00:00 NSP3 Score The neighborhoods identified by the NSP3 grantee as being the areas of greatest need must have an individual or average combined index score for the grantee s identified target geography that is not less than the lesser of 17 or the twentieth percentile most needy score in an individual state. For example, if a states twentieth percentile most needy census tract is 18, the requirement will be a minimum need of 17. If, however, a state s twentieth percentile most needy census tract is 15, the requirement will be a minimum need of 15. If more than one neighborhood is identified in the Action Plan, HUD will average the Neighborhood Scores, weighting the scores by the estimated number of housing units in each identified neighborhood. Neighborhood NSP3 Score: 20 State Minimum Threshold NSP3 Score: 17 Total Housing Units in Neighborhood: 1356 Area Benefit Eligibility Percent Persons Less than 120% AM!: Percent.Persons Less than 80% AM!: Neighborhood Attributes (Estimates) Vacancy Estimate USPS data on addresses not receiving mail in the last 90 days or NoStat can be a useful measure of whether or not a target area has a serious vacancy problem. For urban neighborhoods, HUD has found that neighborhoods with a very high number vacant addresses relative to the total addresses in an area to be a very good indicator of a current for potentially serious blight problem. The USPS NoStat indicator can mean different things. In rural areas, it is an indicator of vacancy. However, it can also be an address that has been issued but not ever used, it can indicate units under development, and it can be a very distressed property (most of the still flood damaged properties in New Orleans are NoStat). When using this variable, users need to understand the target area identified. In addition, the housing unit counts HUD gets from the US Census indicated above are usually close to the residential address counts from the USPS below. However, if the Census and USPS counts are substantially different for your identified target area, users are advised to use the information below with caution. For example if there are many NoStats in an area for units never built, the USPS residential address count may be larger than the Census number; if the area is a rural area largely served by PC boxes it may have fewer addresses than housing units. USPS Residential Addresses in Neighborhood: 1404 Residential Addresses Vacant 90 or more days (USPS, March 2010): 216 Residential Addresses NoStat (USPS, March 2010): 68 1/3

37 Foreclosure Estimates HUD has developed a model for predicting where foreclosures are likely. That model estimates serious delinquency rates using data on the leading causes of foreclosures - subprime loans (HMDA Census Tract data on high cost and highly leveraged loans), increasing unemployment (BLS data on unemployment rate change), and fall in home values (FHFA data on house price change). The predicted serious delinquency rate is then used to apportion the state total counts of foreclosure starts (from the Mortgage Bankers Association) and REOs (from RealtyTrac) to individual block groups. Total Housing Units to receive a mortgage between 2004 and 2007: 729 Percent of Housing Units with a high cost mortgage between 2004 and 2007: Percent of Housing Units 90 or more days delinquent or in foreclosure: Number of Foreclosure Starts in past year: 107 Number of Housing Units Real Estate Owned July 2009 to June 2010: 32 HUD is encouraging grantees to have small enough target areas for NSP 3 such that their dollars will have a visible impact on the neighborhood. Nationwide there have been over 1.9 million foreclosure completions in the past two years. NSP 1, 2, and 3 combined are estimated to only be able to address 100,000 to 120,000 foreclosures. To stabilize a neighborhood requires focused investment. Estimated number of properties needed to make an impact in identified target area (20% of REQ in past year): 21 Supporting Data Metropolitan Area (or non-metropolitan area balance) percent fall in home value since peak value (Federal Housing Finance Agency Home Price Index through June 2010): Place (if place over 20,000) or county unemployment rate June 2005: 3.6 Place (if place over 20,000) or county unemployment rate June 2010*: 11.2 Bureau of Labor Statistics Local Area Unemployment Statistics Market Analysis: HUD is providing the data above as a tool for both neighborhood targeting and to help inform the strategy development. Some things to consider: 1. Persistent Unemployment. Is this an area with persistently high unemployment? Serious consideration should be given to a rental strategy rather than a homeownership strategy. 2. Home Value Change and Vacancy. Is this an area where foreclosures are largely due to a combination of falling home values, a recent spike in unemployment, and a relatively low vacancy rate? A down payment assistance program may be an effective strategy. 3. Persistently High Vacancy. Are there a high number of substandard vacant addresses in the target area of a community with persistently high unemployment? A demolition/land bank strategy with selected acquisition rehab for rental or lease-purchase might be considered. 4. Historically low vacancy that is now rising. A targeted strategy of acquisition for homeownership and rental to retain or regain neighborhood stability might be considered. 5. Historically high cost rental market. Does this market historically have very high rents with low vacancies? A strategy of acquiring properties and developing them as long-term affordable rental might be considered. Latitude and Longitude of corner points 2/3

38 Blocks Comprising Taraet Neighborhood , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , 3/3

39 Neighborhood ID: NSP3 Planning Data Grantee ID: E Grantee State: FL Grantee Name: ST PETERSBURG Grantee Address: One, 4th Street North St. Petersburg Florida Grantee Neighborhood Name: Bartlett Park OAGN 3 Date: :00:00 NSP3 Score The neighborhoods identified by the NSP3 grantee as being the areas of greatest need must have an individual or average combined index score for the grantee s identified target geography that is not less than the lesser of 17 or the twentieth percentile most needy score in an individual state. For example, if a state s twentieth percentile most needy census tract is 18, the requirement will be a minimum need of 17. If, however, a state s twentieth percentile most needy census tract is 15, the requirement will be a minimum need of 15. If more than one neighborhood is identified in the Action Plan, HUD will average the Neighborhood Scores, weighting the scores by the estimated number of housing units in each identified neighborhood. Neighborhood NSP3 Score: 20 State Minimum Threshold NSP3 Score: 17 Total Housing Units in Neighborhood: 1281 Area Benefit Eligibility Percent Persons Less than 120% AMI: Percent Persons Less than 80% AMI: Neighborhood Attributes (Estimates) Vacancy Estimate USPS data on addresses not receiving mail in the last 90 days or NoStat can be a useful measure of whether or not a target area has a serious vacancy problem. For urban neighborhoods, HUD has found that neighborhoods with a very high number vacant addresses relative to the total addresses in an area to be a very good indicator of a current for potentially serious blight problem. The USPS RNoStar indicator can mean different things. In rural areas, it is an indicator of vacancy. However, it can also be an address that has been issued but not ever used, it can indicate units under development, and it can be a very distressed property (most of the still flood damaged properties in New Orleans are NoStat). When using this variable, users need to understand the target area identified. In addition, the housing unit counts HUD gets from the US Census indicated above are usually close to the residential address counts from the USPS below. However, if the Census and USPS counts are substantially different for your identified target area, users are advised to use the information below with caution. For example if there are many NoStats in an area for units never built, the USPS residential address count may be larger than the Census number; if the area is a rural area largely served by PC boxes it may have fewer addresses than housing units. USPS Residential Addresses in Neighborhood: 1275 Residential Addresses Vacant 90 or more days (USPS, March 2010): 223 Residential Addresses NoStat (USPS, March 2010): 76 1/3

40 Foreclosure Estimates HUD has developed a model for predicting where foreclosures are likely. That model estimates serious delinquency rates using data on the leading causes of foreclosures - subprime loans (HMDA Census Tract data on high cost and highly leveraged loans), increasing unemployment (BLS data on unemployment rate change), and fall in home values (FHFA data on house price change). The predicted serious delinquency rate is then used to apportion the state total counts of foreclosure starts (from the Mortgage Bankers Association) and REOs (from RealtyTrac) to individual block groups. Total Housing Units to receive a mortgage between 2004 and 2007: 501 Percent of Housing Units with a high cost mortgage between 2004 and 2007: Percent of Housing Units 90 or more days delinquent or in foreclosure: Number of Foreclosure Starts in past year: 69 Number of Housing Units Real Estate Owned July 2009 to June 2010: 20 HUD is encouraging grantees to have small enough target areas for NSP 3 such that their dollars will have a visible impact on the neighborhood. Nationwide there have been over 1.9 million foreclosure completions in the past two years. NSP 1, 2, and 3 combined are estimated to only be able to address 100,000 to 120,000 foreclosures. To stabilize a neighborhood requires focused investment. Estimated number of properties needed to make an impact in identified target area (20% of REQ in past year): 14 Supporting Data Metropolitan Area (or non-metropolitan area balance) percent fall in home value since peak value (Federal Housing Finance Agency Home Price Index through June 2010): Place (if place over 20,000) or county unemployment rate June 2005*: 3.6 Place (if place over 20,000) or county unemployment rate June 2010*: 11.2 *Bureau of Labor Statistics Local Area Unemployment Statistics Market Analysis: HUD is providing the data above as a tool for both neighborhood targeting and to help inform the strategy development. Some things to consider: 1. Persistent Unemployment. Is this an area with persistently high unemployment? Serious consideration should be given to a rental strategy rather than a homeownership strategy. 2. Home Value Change and Vacancy. Is this an area where foreclosures are largely due to a combination of falling home values, a recent spike in unemployment, and a relatively low vacancy rate? A down payment assistance program may be an effective strategy. 3. Persistently High Vacancy. Are there a high number of substandard vacant addresses in the target area of a community with persistently high unemployment? A demolition/land bank strategy with selected acquisition rehab for rental or lease-purchase might be considered. 4. Historically low vacancy that is now rising. A targeted strategy of acquisition for homeownership and rental to retain or regain neighborhood stability might be considered. 5. Historically high cost rental market. Does this market historically have very high rents with low vacancies? A strategy of acquiring properties and developing them as long-term affordable rental might be considered. Latitude and Longitude of corner points 2/3

41 Blocks ComDrising Target Neighborhood , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , 313

42 Below %AMI Amount Amount Units Amount Units Total$ Activity: 50% and NSP-3 Allocation City of St. Petersburg Neighborhood Stabilization Program 3 Budget * Planning and Administration is limited to 10% of Allocation. Activity D Demolition of Total $3,709,133 $1,027, $2,310, $3,709,133 Mechanisms for purchase and redevelopment by funding a Loan Rehabilitation and Sale or Rental of $1,908,220 $927, $980,936 6 $1,908,220 Foreclosed Properties Activity C Establish and operate residential properties that have been foreclosed upon $100,000 $100,000 $100,000 Foreclosed Properties $30,000 $0 0 $30,000 6 $30,000 Activity E Redevelop demolished Planning and Administration $370,913 $0 $0 $370,913 Activity A Financing Loss Reserve Fund $200,000 $100,000 2 $100,000 2 $200,000 Activity B Acquisition, land banks for homes and or vacant properties as housing $1,100,000 $0 0 $1,100,000 7 $1,100,000 25% 65% EXifiBIT A

43 Attachment B

44 Housing and Community Development W.l.N. (Working to Improve our Neighborhoods) HOUSING PROGRAMS General Conditions For W.I.N. Programs and Minimum Quality Standards (Exhibit B) Adopted January 1993 (REVISED September 10, 2009) WIN Standards 2008.doc 1

45 City of St. Petersburg Housing and Community Development (H&CD) W.l.N (Working to Improve our Neighborhoods) General Conditions for W.l.N. ProQrams The general conditions establish requirements, policies and procedures that apply to all contractors who participate in the WIN. programs that are administered by the H&CD department. These include but are not limited to the following: Action Loan Program (Action) Emergency Repair Program Home Buyer Assistance Barrier Free Program Investor Sales Program Lead Paint Abatement Program Police in Neighborhoods (PIN) Rehabilitation Assistance Program Each program addresses different property improvement needs and has different eligibility requirements. Contractors Selection - In all programs, the property owner selects the contractor and proposal. The selection, however, is limited by the following: 1) The contractor must be properly licensed, and be able to obtain permits in the City of St. Petersburg. 2) All bids will be evaluated by the H&CD department to reflect valid industry costs. 3) The contractor must be in good standing with the City s programs, as follows: (a) New contractors will be limited to performing no more than one rehabilitation job until a favorable performance record is established. (b) Any contractor who has exceeded the deadline for completion of a project may not be considered for additional contracts until all projects are current or completed. (c) Any contractor who has exhibited poor workmanship or neglect of warranty work, may not be considered for additional projects. (d) A Contractor Evaluation form (Exhibit I) will be required to be filled out by the Homeowner and the RD. at the completion of each job. These forms will be available for review by any party requesting such, through the H&CD Department. (e) Contractor must provide Bid Qualification Questionnaire with each bid. Registration - All contractors must (prior to executing a rehabilitation contract funded through H&CD) complete and submit a Contractor s Orientation and Information Data Sheet (Exhibit A) and copy of the company license I competency license; and if requested, liability insurance, workman s comp. insurance and articles of incorporation (if incorporated). Checklist - A project checklist (similar to Exhibit H) is provided by H&CD to help the contractor develop their proposal. The contractor is responsible to perform a thorough inspection of the property and to address any and all additional code violations. 2

46 Utilities - The home owner will be responsible if needed to provide and pay for gas deposits, fees and other permanent charges necessary for services in there name. Temporary electric meter deposit, saw pole installation or other temporary utilities will be paid for by the contractor. All receipts for said services will be provided to H&CD by the contractor. The contractor shall be responsible to notify all parties prior to digging, so that underground utilities can be located and marked. Energy Rebates and Allowance - Any and all rebates or allowances that are acquired as a result of property improvements funded by H&CD programs, must be paid to H&CD and will be credited to the homeowner. Minimum Standards I Quality I Quantity - H&CD has adopted Minimum Quality Standards (Exhibit B) that prescribes the quality of materials and equipment that must be met or exceeded for any rehabilitation proposal. These standards will be updated periodically. The contractor is responsible to keep up with current W.LN. Standards. In the Minimum Quality Standards, all materials, equipment and products described must be installed per codes, and in accordance with manufacturers specifications and recommendations. Upon request by the homeowner or H&CD, contractors may be required to provide product data sheets in order to document that their product meets or exceeds the Minimum Quality Standards. WIN Standards may be downloaded from the internet at ndex.htm New Materials / Equipment - The use of previously installed, used, or perceptibly old materials and equipment is not permitted. Code Compliance - It is the contractor s responsibility to ensure that all codes are met or exceeded in the work specified in the proposal. The contractor must also ensure that any completed repair, replacement and I or installation performed also meets code. Cover Page of the Proposal - All contractors must complete Contractors Proposal Form & Bid (Exhibit C) and Bid Qualification Questionnaire and include these forms with each rehabilitation proposal submitted for consideration. Line Item Specifications - Line items and prices in the proposal should be numbered and arranged by the contractor to facilitate partial payment requests on contracts of $5, or more. All line items and specifications are subject to revision by the R.O. or H&CD. Pricing - Contractors proposals shall describe work by line item specifications. Time for Performance- The contractor must include in their proposal, all details as to the time required to perform and whether the occupants will be required to relocate out of the house, either due to the extensive work or for termite treatment. No bids will be accepted after the date due. Bid Delivery Please refer to current bid policies (sealed bid policy does not apply to stand alone emergency repairs) Contractors are not to give bids to homeowner. All bids are to be delivered to Housing and Community Development Department (WIN Program). Bid deadlines are as follows or as noted on bid cover page: RAPS (Rehabilitation Assistance Programs) 15 Working Days Barrier Free 10 Working Days Emergency Repair 5 Working Days 3

47 Omissions / Ambiguity - Should any proposal omit any description of quantity or quality, including manufacturer s brands or models, the City s interpretation of quantity, quality, or any other ambiguity in the proposal shall prevail. NOTE: Call the R.O. for any clarifications. General Terms and Conditions - The general terms and conditions for performance are detailed in the Contract for Rehabilitation Work. A sample contract has been provided as Exhibit D; however, each program requires a different contract. Contractors are cautioned to review the particular scope of work for each program I project. Draw Schedules are described on page six of the sample contract (Exhibit D). Prior to release of funds on any draw: 1.) Contractor must submit a completed Draw Request Form with the owner s signed approval; 2.) Contractor must submit partial and final lien releases and certifications (as appropriate) from subcontractors; and submit his I her lien release for the stage of completion (lien releases are Exhibit F). 3.) Contractor must obtain building and specialty trade inspections. 4.) When computing partial draws for line items, the following policies will apply: Plumbing - 50% rough-in may be paid provided a specialty rough-in inspection has been approved. Electric - 50% rough-in may be paid provided a specialty rough-in inspection has been approved. Mechanical-50% may be paid provided a specialty rough-in inspection has been approved but only if the complete system is in place (except the final fuel hook-up). 5.) The AC. must inspect and approve the work for which payment is requested. 6.) Prior to a final draw, the contractor must submit an executed Warranty Agreement (Exhibit G). 7.) Contracts $5, or less will be paid in full only at completion of contract. 8.) Contracts are considered complete when all inspections are approved, punch lists are completed and required documents as described above have been submitted. In addition to lien releases, H&CD will require the contractor to submit photocopies (to H&CD) of the following in order to process the related draw: 9.) Certificate of guarantee for pest extermination and W.D.O. (Wood Destroying Organism) report. 10.) Insulation certificate or letter from general contractor certifying the R-value. 11.) Roofing warranty on labor and materials. (See Exhibit G-1) 12.) When a notice to owner or notice of non- payment is received by the city or property owner, no further draws to the contractor will be paid out until a release of lien for the total amount is provided by the issuer of the notice to owner or notice of non payment to the City of St. Petersburg Housing Department. 4

48 The contractor is required to deliver to the owner the following original documents: 1) Certificate of guarantee for pest extermination and / or W.D.O. report. 2) Insulation certificate (usually posted in attic) or letter from general contractor certifying the R-value. 3) HVAC manuals and manufacturers warranty. 4) Water heater manual and manufacturers warranty. 5) Any and all additional product manuals and warranties. 6) Roofing warranty on labor and materials. (See Exhibit G-1) Materials Selection - Prior to commencement of work, contractors are responsible for obtaining a materials selection sheet signed for by the property owner. Contractors are required to offer a reasonable variety of colors, styles, models, etc.. Selection options must be provided to the owner for paint, floor covering, wall paneling, textures, doors, hardware, lighting, fixtures, molding, cabinets, vanities, and other items, as deemed appropriate for each project by H&CD. The owner may have preferences for location of cabinets, appliances, electric panels or fixtures, etc., which must be honored, provided the installation meets the scope of work. SPECIAL NOTE: Within 10 days after contract signing, the contractor must submit to the owner and WIN Program, a list of subcontractors and material suppliers (Fl. Stat ). Inspections - All permit inspections will be governed by the City of St. Petersburg s Building Department. Draw inspections must be scheduled with the project RD. during normal business hours. When requesting a draw inspection, the contractor must submit all required paperwork at least 24 hours in advance. Non-compliance may result in the inspection being canceled. Any damage such as, but not limited to, truck tire ruts, broken I torn greenery, cracked sidewalks & concrete, etc., will be repaired I replaced by the contractor at no additional charge to the customer. (Prior damage should be recorded and reported to the R.O.by the contractor) All contractor information and forms may be downloaded from the internet at Rehabilitation Officers Joseph Triolo... Office / Cell Chrissy Crowley... Office / Cell Dennis Weber... Office / Cell MAIN TELEPHONE NUMBER

49 3 Housing and Community Development Minimum Quality Standards - EXHIBIT B Table of Contents A - Roofing 7 B - Gutters 7 C - Ventilation 7 D Siding 8 E-Awnings 8 F - Numbers and Mailbox 8 G - Columns / Handrails / Guardrails 8 H - Windows and Screens 8 I - Doors and Hardware 9 J - Insulation 9 K-Electric 10 Lighting and Fans 10 Energy Efficiency 10 Other NSP Rehabilitation Requirements 10 L - Plumbing 10 M - Bathrooms 11 N - Floor Underlayment and Covering 12 O - Heat/Air-conditioning 12 P-Sheds 12 Q Fences 12 R -Kitchens 12 S - Pest Extermination 13 T- Paint and Caulking 14 U- Drywall I Plaster / Textures / Paneling 14 6

50 SECTION A - ROOFING 1) Trim all away from roof a minimum of four (4 ) feet. 2) Remove existing roofing and roofing to wood. Removal and of up to 160 s.f. of decking (any type). MUST be included in roofers proposal. NOTE: Any wood over 160 s.f. of any type MUST be verified by order, and a material receipt. Any new wood which is primed 3) Materials requirement: a) Install new dry-in materials, barrier, lead boots, pitch metal valley and flashing. b) Install new drip which must be a minimum of 2 and 3 back onto roof. c) Install 1 x 2 edging with wood or redwood drip (exception: not required when using Aluminum, Vinyl or vinyl aluminum soffit d) When installing new Aluminum, Vinyl or vinyl aluminum soffit or fascia, the drip or gravel stop MUST match. e) Install ridge vent where possible. No mechanized venting allowed. replacement change greenery RD. and painted buckets, and tascia). edge edge structure replacement components secondary water pressure treated coated bare fasteners, face exposed MUST be under coated systems edge. 4) ROOF SYSTEMS, comply with Minimum Requirements: current Florida Building Code and WIN Program Class A Dimensional tab, self sealing, fungus resistant, fiberglass core shingle, UL listed, ASTM D 225 or ASTM D Labor Warranty (minimum) - 5 years; material - 30 years. A Hot mop fiberglass, 3-ply roofing material. Labor Warranty (minimum) - 5 years; material - 5 years. Class Class A Hot mop tar and gravel, 5-ply built up roof. Labor Warranty (minimum) - 5 years; material - 5 years. Modified Hot mop SBS or torch applied APP, smooth or granular Bitumen surface. Labor Warranty (minimum) - 5 years; material 10 years. SPECIAL NOTE: current FBC Any roof specified to meet Blue Print for Safety must meet requirements as well as all Blue Print for Safety Standards all SECTION B - GUTTERS I DOWNSPOUTS I SPLASH BLOCKS If specified, a includes gutters, down elbows, blocks, etc. SECTION C - VENTILATION complete system hangers, spouts, straps, Contractor must specify material to be installed. 1. Foundation: Vents - 8 x 16 aluminum units or wood fame with 1/4 x 1/4 cloth and screws. use hardware splash pressure treated attach with 7

51 2. Access Panels: Use pressure treated wood frame, latched, with 1/4 x 1/4 hardware cloth. 3. Softit Vents Use a minimum 18 x 16 aluminum or fiberglass mesh. SECTION D - SIDING Aluminum Provide 30 year warranty Vinyl Provide 50 year warranty Stucco Use 1/2 substrate, vapor barrier and 3.4 galvanized metal lath with scratch and finish coats. Wood-lap Novelty Install over vapor barrier with galvanized nails. Seal per manufacturer s requirements. Composition Tile Install over vapor barrier with galvanized nails. Seal per manufacturer s requirements. Follow manufacturer s recommendations for cutting, scoring, etc. Composite Siding Install over vapor barrier with galvanized nails. Seal per manufacturer s requirements. Follow manufacturer s recommendations for cutting, scoring, etc. Note: Install new head flashing at all window / door openings. SECTION E - AWNINGS If specified, awning installation will include all hooks, hangers supports, etc., to ensure a solid and stable product. SECTION F - NUMBERS AND MAILBOXES 4 pre-formed metal, wood, or vinyl numbers are to be installed on the front, and if alley access, the rear of the home. Numbers colors must be in contrast to structure. (self-stick numbers are not allowed.) Mailboxes must be U.S.P.S. approved. SECTION G - COLUMNS/HAND RAILS! GUARD RAILS Completed installation shall be solid and firm with no movement in any direction. SECTION H - WINDOWS AND SCREENS New windows: Vinyl I Aluminum -Use single-hung, single strength glass, positive locking devices, sealed per manufacturer s requirements. - New screens must be included with all windows. Use fiberglass 18 x 16 mesh, include molding, hooks, eyes, and frames (may repair existing). - install new pressure treated exterior sills for new window installation if required. - Install new imitation or real marble sills for any new vinyl windows in conjunction with new drywall or as required. 2) Repair windows: Repair as necessary to ensure proper operation, easy sash movement and locking. Install new exterior pressure treated sills if required. 8

52 3) Screening: Use fiberglass 18 x 16 mesh, include molding, hooks, eyes, and frames (may repair existing). 4) Use tempered and obscure glass in bathrooms. 5) Any installation of burglar bars is QI permitted. 6) All windows and frames shall be clean and free of labels, caulking, glue, etc. 7) Storm shutter system must be installed with new windows. Storm shutter system must have FBC product code approval number. Contractor will provide H&CD with material spec sheet prior to work. (No plywood is permitted) 8) When Impact Windows are specified, all windows must have FBC product code approval number. No storm shutters are required when impact windows are utilized. SECTION I - DOORS AND HARDWARE 1. Exterior Entrance: Use Metal or Fiberglass pre-hung insulated door. All other exterior doors must be approved by R.O.. Use key-in knob lockset with single cylinder deadbolt. All exterior doors are to be keyed alike. Provide metal or wood weather-stripping with vinyl edging, bumper or 411 compression threshold, (3) butt hinges, and bumper. Out swing doors will require tamper proof hinges. 2. Screen Doors: Pre-hung aluminum metal with full width grille, bottom kicker, air closer and bug sweep. 3. Garage Door: Use one piece steel or sectional door (no windows) with all required hardware and full bug sweep. Garage doors must have FBC Approval meeting, or exceeding local wind load requirements. Contractor will provide H&CD with material spec sheet prior to commencement of work. 4. Interior: Use birch or luan, varnish grade, 1 3/811 (pre-hung as required), hollow core, slab; use louvered when specified. If bi-fold louvered is used, specify wood or metal in bid. Use privacy lockset on bath and bedroom entries; passage sets on all closets. Provide door stops and (2) 3 1/211 butt hinges. SECTION J - INSULATION Install roll, baton (faced / unfaced), blown (spun fiberglass I rockwool), polystyrene, alfoil, etc. as appropriate; provide a copy of the certificate of insulation. Area Install Block Walls R-5 or better Frame Walls R-1 1 or better Ceilings R-1 9 (R-30 with NC) or better Floors (New Construction) R-1 9 or better with wire mesh Duct Work R-6 or better The most current energy code will govern the final R values. Note: Party walls and ceilings shall have R-1 9 unfaced insulation installed. 9

53 SECTION K - ELECTRIC 1) All lighting fixtures must be U.L. listed with in-the-wall switches, wiring and boxes 2) All bath exhaust fans must be U.L. listed with in the wall switch and vented to the outside. If no outside venting is possible, use a charcoal filter type. 3) All smoke detectors must be U.L. listed, hard-wired, 120V - AC with 9V battery backup, unless specified by R.O. Note: All sleeping rooms and the common area smoke detectors are to be wired in series to sound simultaneously. 4) Exposed conduit or wire mold may be used ONLY if pre-approved in writing by H&CD and the owner. LIGHTING AND FANS The Contractor shall ensure that all fixtures installed must use Energy Star labeled bulbs. The Contractor shall install ceiling fans when appropriate. All ceiling fans shall have a light kit. ENERGY EFFICIENCY Energy Efficiency materials and products will be used to improve conservation and sustainability for the purchasers or renters of homes purchased with NSP 3 funds such as: Durable materials that last longer than conventional counterparts such as stone, brick, or concrete. Resource Efficient Materials such as layouts and advanced building techniques that reduce the amount of homebuilding material required. Heat absorbing Materials that retain solar heat in winter and remain cool in summer. Solar Reflective Paving such as light-colored/high-albedo materials and/or open grid pavement with minimum solar reflective index of 0.6 over at least 30 percent of the site s hardscaped areas. Use materials that are close to the job site. Install Green Roofing that is Energy Star compliant and high emissive roofing, and/or install Green (vegetative) roof for at least 50 percent of the roof area; or a combination of high albedo and vegative roof covering 75 percent of the roof area. OTHER NSP -3 REHABILITATION REQUIREMENTS All gut rehabilitation (i.e., general replacement of the interior of a building that may or may not include changes to structural elements such as flooring systems, columns or load bearing interior or exterior walls) or new construction of residential buildings up to three stories must be designed to meet the standard for Energy Star Qualified New Homes. All gut rehabilitation or new construction of mid- or high-rise multifamily housing must be designed to meet American Society of Heating, Refrigeration, and Air Conditioning Engineers (SHRAE) Standard , which is the Energy Star standard for multifamily buildings piloted by the Environmental Protection Agency and the Department of Energy. Compliance with Section 504 of the Rehabilitation Act of

54 Compliance with the Fair Housing Act with respect to provisions related to physical accessibility standards for persons with disabilities. Other rehabilitation must meet these standards to the extent applicable to the rehabilitation work undertaken, e.g., replace older obsolete products and appliances (such as windows, doors, lighting, hot water heaters, furnaces, boilers, air conditioning units, refrigerators, clothes washers and dishwashers) with Energy Star-46 labeled products. Water efficient toilets, showers, and faucets, such as those with the WaterSense label, must be installed. Where relevant, the housing should be improved to mitigate the impact of disasters (e.g., earthquake, hurricane, flooding, fires). HUD also encourages the adoption of energy efficient and environmentally-friendly green elements as part of NSP3 program design. Attachment C to the NSP3 Notice describes in more detail how energy efficient and environmentally-friendly green elements can be incorporated and additional tools on incorporating green rehabilitation standards can be found on the NSP Resource Exchange at SECTION L - PLUMBING Water Heaters (Electric, Natural or Propane Gas): Shall be energy efficient with the most current ASHRAE standard low or high-boy model, foam insulation, five year warranty, quick recovery. Two bedroom one bath homes will require minimum 30 Gallon unit. All homes larger than two bedroom one bath will require minimum 40 gallon unit. Installation shall include all new items for proper operation, such as (but not limited to): circuit, wiring, flue, flashing, collars, thimbles, galvanized gas piping, supply piping, stops, pan, drain, drip leg, T & P valve and piping., etc. Washer Hook-up: Shall include an in wall box if new construction and or newly constructed walls. All drains, traps, vents, hot and cold supplies, bibs, and a 11 CV single purpose outlet (within two feet of washer location). Exterior faucets will be brass faucets and main shutoff valve will be a brass single lever ball valve (pressure valve) If water line is specified for refrigerator, use copper tubing only no exceptions. All fixtures shall match existing fixture, when appropriate. All water heaters must be Energy Star labeled and meet all installation codes, plumbing, electrical and building. All faucets/valves will be handicapped designated. All tubs/showers shall have anti-scald guards. NOTE: Latex caulk is prohibited for the embedding of all I any plumbing fixtures. II

55 SECTION M - BATHROOMS Install +1-4 x 4 x 1/4 standard size and grade ceramic tile, set in mastic with a non sanded grout finish. Bull nose and cove trim shall be installed as necessary. Any installation or repair of tile will include repair or replacement of substrate to ensure a solid and sound base for the particular situation. An opaque mold and mildew resistant caulk shall be applied to all tub, floor, wall or tile junctures. Clear caulking is NOT acceptable. Note: A concrete composite board must be used in all wet areas Ceramic bath fixtures must match tile and include: 2-24 Towel Bars 1 - Paper Holder 1 - Soap dish over tub (NO handle / grab bar) Metal bath fixtures, such as chrome or antique brass, may be installed in utilized areas and will include: 2-24 Towel Bars 1 - Paper Holder 1 - Soap dish over tub (NO handle I grab bar) Bathtubs: Shall be porcelain on steel with non-skid bottom, and include the drain and pop-up assembly, low flow shower head, brass bodied, washer less faucet assembly, supply lines, stops, etc. Note: Fiberglass or cast iron may be used ONLY if pre-approved in writing by H&CD and the owner. Vanity Tops: Shall be a one-piece water resistant composite material and shall include pop-up drain, brass bodied washer less faucet assembly, supply pipes, stops, etc. Caulk underside with opaque silicone caulk. Toilets: Shall be vitreous china, seat, supply, stop, escutcheon, wax ring, etc. Unit to be installed plumb & level and properly secured. Toilet Repair: Install code approved parts only. One-Piece Fiberglass Shower Stall: Shall include brass bodied washer less faucet assembly, low flow shower head, supply pipes, stops, drain, trap, etc. Medicine : Shall be recessed, 16 x 22 with mirror door and shelves or surface mount. Other styles must be pre-approved by owner and H&CD. cabinet 12

56 areas. Vinyl Composite Tile Underlayment shall be 1/4 (minimum size) B-C plywood; secured by gluing and screwing all All units are to be 13 SEER minimum, or equivalent, and installed per specification sheet and 2) Heat: Gas central furnace must have spark ignition and separate circuit. (AFUE:78%) Gas 13 (AFUE:73%) Electric central furnace must have separate circuit. wall furnace must have spark ignition, separate circuit and, when specified, optional duct kit. No unvented gas heaters will be accepted. manufactured by Dryerbox by ln-o-vate Technologies or equivalent. 90 cfm bathroom fan/vent. The Contractor shall install a dryer vent on the interior walls The Contractor shall install an air handler on a sealed wood platform with return vent in wall closet. No bifold doors will be accepted for HVAC Closet. The Contractor shall install atticmounted rigid and flexible ductwork: R-6 minimum. The Contractor shall ensure that the return vent is filter backed. The Contractor shall install ceiling ducted vents with dampers to range of below unit. The Contractor shall install a Masonite or equivalent 1/2 door for access to the HVAC manufacturer s specifications. Size and layout must be approved by the Development Services Department. All units must be Energy Star labeled. systems, including controls, wiring, condensate pumps, thermostats, ducts, dampers, vents, balanced for uniform air distribution. and compliance with current codes. All HVAC installations must meet or exceed applicable registers, returns, remote panels and exterior pad to complete the work. The system shall be Minimum Energy Standards. The Contractor shall provide heating ventilation and air conditioning include new components and / or upgrade of existing components to ensure proper operation General: Install new heating system (central, wall, space) as specified. All installations will SECTION 0- HEAT! AIR CONDITIONING minimum 20 oz. weight carpet. density and 3/8 thickness. Install commercial carpet by direct glue-down method with a Use of new hard wood, re-finishing of existing hard wood or wood laminate will be allowed as specified in scope of work. adhesives. Installations over any existing flooring product must be approved by R.O. Ceramic Tile Carpet base and / or quarter round molding. Transitions must secure vinyl where it meets any other as required. Installations over various substrates must meet specified standards of applicable Hard Wood Install 12 x 12 composition tile (self-stick NOT acceptable). Finish the installation by installing Install standard grade, grouted, ceramic floor tile. Install bull nose, cove and marble thresholds Install carpet with a minimum weight of 24 ounce and a pad with a minimum of four pound flooring. (Sheet vinyl must be approved by R.O.) SECTION N - FLOOR UNDERLAYMENT AND COVERING

57 NOTE: Seal flues with 100% RTV Silicone. 3) Air conditioning I Heat Pump: If specified by H&CD, install all components for a complete operational system. (SEER, C.O.P and HSPF will follow current code requirements). NOTE: Install compressor on concrete slab or approved pre-formed composite slabs, 8 inches above grade. Unit to be anchored to slab per applicable code. SECTION P SHEDS Sheds must meet all code and setback requirements. All drawings or specifications must be submitted to H&CD prior to installation for site built sheds (ie: not prefab.). SECTION Q - FENCES Any new fence installation, must be replacing an existing damaged or deteriorated fence. Include a new survey (as specified). Wood or metal fencing will include all components to ensure a stable product. SECTION R - KITCHENS 1) Cabinets: All exteriors of upper and lower kitchen cabinets, doors, drawer fronts and all edges shall be covered with vertical grade high pressure laminate, (Formica type). All interiors shall be vinyl covered. Shelves shall be adjustable. Doors shall have a minimum of two hinges each with knobs or cut-in finger pulls. Base cabinets are to be installed on top of a solid wood base. NOTE: No particle board is to be in direct contact with the floor. There must be a minimum of 3/4 inch space between the two. 2) Kitchen Sink: Shall be double bowl, stainless steel, 20-gauge, with metal baskets and strainers, drain and trap, sound undercoating (bottom), brass bodied washer less faucet, supply lines, stops, 3) Counter tops and backsplash shall be counter top grade MICA on 3/4 B-C PLYWOOD. Seal sink cut out. Square type design must have a 4 cut curve backsplash and be embedded in opaque- silicone caulk; blind screw from beneath counter top and install a solid wood mica covered backsplash. 4) Curv-a-top- post formed Backsplash may be installed but must have end caps, be solid wood, mica covered and scribed close to fit to the wall with all seams opaque-silicone caulked to match. All leading edges and cutouts of all MICA tops must be sealed against water infiltration. APPLIANCES 1) All appliances must be Energy star Labeled. 2) All ranges are to have four burners and a glass panel door. 3) All refrigerators are to be 18 cf., no frost with glass shelves. 4) All range hoods to be ductless or ducted (match existing), fan with light white. 5) Appliance colors: standard white finish or to match existing appliances. 14

58 SECTION S - EXTERMINATION a) Bid pest extermination as specified. All structures on site will be treated. PEST b) Provide to H&CD, in behalf of the owner, a written Wood Destroying Organism Report (W.D.O.) by a licensed, bonded and insured pest control company prior to treatment c) Provide treatment per the W.D.O. report to rid the structure(s) of all live infestation. The treatment will carry a minimum (1) one year warranty. d) If NO live infestation is observed, no treatment will be performed.a written change order will be issued deleting the unnecessary termite treatment line item except for the cost of the report - Maximum charge: $1OOOO. e) Any damage to the structure, interior or exterior, shall be the responsibility of the contractor at no additional charge to the owner. SECTION T - PAINT! CAULKING 1) Paint formulation: Shall meet or exceed the minimum requirements as established by the paint and waterproofing industry. 2) Semi-Gloss: All exterior and interior trim, including doors, sills, etc., will be semi-gloss painted. 3) A complete paint iob will include but not be limited to: a. Protection of ALL areas not to be painted b. All bare wood must be primed and or sealed. c. All surfaces must be prepared to ensure for proper bond per paint specifications. d. All foreign materials shall be removed and all holes patched to match e. All surfaces will be painted with two coats or more for full and even coverage. f. Will include but not be limited to walls, ceilings, jambs, trim, doors, sash, sills, floors, soffit, fascia, railings, columns, sheds, garages, porches, decorative trim g. All greenery must be trimmed away from all surfaces to be painted. h. Foundations will be painted 2 below grade then back filled (raked) once paint has dried. I. Caulking materials must be paint able with ASTM testing certification. j. A non-skid additive will be added to all exterior walkways. Remove curtain rods and only with owner s written approval. telephone jacks 4) Other requirements: Paint shall be a nationally known brand with a 10 year durability guarantee. Paint is to be delivered to job site in unopened containers. No unapproved paint containers (new or used) will be allowed on the job site. If found, complete paint job rejection may result. The contractor shall leave at least one gallon of exterior paint and one quart interior paint for each color and sheen selected by the owner. All kitchen and bath walls and ceilings will be painted. semi-gloss DOORS: All NEW are to be and finished on all 6 (six) per manufacturer s recommendation. NOTE: A finish is required and rejected. Painting of EXISTING by owner. if specified, must be approved in writing doors sealed smooth doors, SECTION U - DRYWALL! PLASTER I TEXTURES I PANELING sides roughness will be 15

59 Drywall: All drywall installations and related work will include restoration of existing electrical receptacles, switches, telephone jacks, T.V. / cable, etc. to operable condition. Use type X Firerated, blue board, moisture resistant, concrete backer board, etc. installed per manufacturers requirements. Repair of plaster/drywall solid bond and match all surrounding areas and textures. and textures :Ensure Note: A concrete composite board will be used in all wet areas. 16

60 Submitted by: Christine L. Allamanno, Esq. Affordable Housing Project Attorney Gulfcoast Legal Services, Inc St. S. St. Petersburg, FL (727) ext. 366 COMMENTS TO THE CITY OF ST. PETERSBURG SUBSTANTIAL AMENDMENT TO ITS TV ANNUAL ACTION PLAN FOR IMPLEMENTATION OF THE NEIGHBORHOOD STABILIZATION PROGRAM FEBRUARY 17,2011 Introduction Thank you for the opportunity to comment on your Neighborhood Stabilization Program 3 (NSP 3) plan. Gulfcoast Legal Services was founded in 1978 and provides no-cost legal services to eligible low income residents of Pinellas, Hilisborough, Manatee, and Sarasota Counties. In addition to affordable housing preservation and development and landlord tenant matters, our attorneys provide legal services and advice in the areas of immigration, tax, elder law, mortgage foreclosure defense, consumer law, family law for survivors of domestic violence, and general legal assistance for veterans returning from Iraq and Afghanistan. The populations served by Gulfcoast therefore dovetail with the populations likely to be served by affordable housing created or preserved through the NSP Program, particularly those populations earning 50% or less of area median income (LI) and 30% or less of area median income (ELI). Rental Housing or Homeownership? While homeownership is an important goal, it should not be overemphasized in St. Petersburg s proposal. The Dodd-Frank Wall Street Reform and Consumer Protection Act 2010 requires NSP3 grantees to establish procedures to create preferences for the development of affordable rental housing for properties assisted with NSP3 finds. HUD requires jurisdictions to describe these procedures as part of their NSP3 action plans. The rental housing preference recognizes that rental and/or cooperative housing under responsible ownership can be equally or more effective in stabilizing the targeted neighborhoods. Significant numbers of renters have been displaced or threatened with eviction as a result of the foreclosure crisis, and a sizable portion, even exceeding the mandatory 25% setaside, of NSP3 funds should be directed to them. Additionally, HUD has found that single- and multi-family rental and special needs housing for people with disabilities have been effective means for meeting NSP s income targeting requirements. F{UD notes that homeownership should be used to meet the low-income set-aside only if a jurisdiction is confident that very low-income buyers can obtain mortgage financing, which has been problematic in the current market. (The continuing loss of equity in of -3

61 We acknowledge that Pinellas County and St. Petersburg conduct regular analyses to Furthering Fair Housing Goals We commend you for including in your plan an explanation of how you intend to comply small businesses that are owned and operated by persons residing in the vicinity of such employees who reside in the vicinity... of projects funded under this section or contract with with both the Dodd-Frank Act and Section 3 of the HUD Act in providing for the hiring of Employment Opportunities We note that you intend to acquire existing units in the target area that may all ready occupied. We encourage you to prioritize taking steps to prevent the trauma of eviction of the displaced families and minimizing the musical chairs impact of a revolving door of residents. current tenants/occupants, thereby reducing the costs associated with providing shelter for Our Affordable Housing Project at Gulfcoast is able to provide education, resources, and outreach to current residents and work with you in attempts to minimize displacement of families Tenants at Foreclosure Act. and to assist in compliance with federal/state/local tenant protections such as the Protecting Maintaining Occupancy reconstruction. While you have met the plan requirements in identifying the number of low/moderate income units expected to be demolished, and the number expected to be produced; demolition versus preservation of the units. The NSP3 regulations require an explanation of why demolition over preservation is being conducted pursuant to market conditions. Of course, we We note that your proposed plan may use a portion of the NSP3 funds for demolition and you have not provided details as to whether any of the replacement units will be made affordable understand the plan is speculative at this point because specific units have not been identified, destroyed and preserved for the lowest-income population feasible. to the 50% and under AMI group nor why, based on market conditions, you are choosing but we would ask that the amount of units reconstructed be proportional to the amount of units Demolishing or Converting Affordable Housing all city residents of the new affordable housing opportunities, with the goal of reducing the of fair housing. As South St. Petersburg is a high poverty area with high minority concentration, throughout the jurisdiction and has participated in conferences the County has held on the subject with the Pinellas Office of Human Rights in terms of correcting fair housing violations for mentioning the need for outreach in the plan and for suggesting appropriate strategies. of any impediments identified through its analysis, Gulfcoast has had a positive relationship identify impediments to fair housing choice and take appropriate actions to overcome the effects marketing and outreach to groups throughout the city will likely be advisable in order to inform concentration of poverty and minorities in a single area of the City. We commend St. Petersburg NSP 111 monies (or NSP I monies) into the CLT and keep them affordable in perpetuity. If the properties will indeed be placed in the CLT, we suggest that you specifically indicate in the plan.

62 For the above stated reasons, and for the reasons that the City thus far is encountering difficulties with selling the single family dwellings, we would suggest that you consider increasing the 25% mandatory set-aside to provide more rental housing to LI and ELI households, and to consider renting the homes from NSP I and Ill that are not able to be sold, for affordability periods through the use of LURAs. We point out that under NSP1 several minimums, and we urge St. Petersburg to do the same. If at some point the market recovers, if at some point another housing bubble occurs, affordability of the properties acquired through NSP monies will continue so long as you commit to exceeding the HOME minimums. Through the Pinellas County Community Land Trust (or alternatively, by creating a community land trust for remain affordable in perpetuity. We hope that you will consider placing properties acquired with the City of St. Petersburg alone,) you would have the power to ensure these NSP properties jurisdictions nationwide committed to affordability periods which exceeded the HOME We acknowledge that your proposed plan commits to the federally required HOME Ensuring Long Term Affordability percent or below of AMI, closely followed by the LI group which earns between thirty and fifty As advocates for the low and very low income, we point out that study after study has shown that the greatest need for affordable housing is in the ELI group, or that which earns thirty percent of AML At a meeting of the Pinellas County Homeless Coalition held yesterday, Coalition shows that nationally, the percentage of households paying 50% or more of their million in just two years. Given the high unemployment rate and low wages found in Pinellas requirement that 25% of the NSP3 funds be used to provide rental opportunities for the LIJELI February 16, 2011, it was stated that eight out of ten service providers for the homeless state that the biggest hurdle to combating homelessness is the lack of affordable housing for the very low income throughout Pinellas County. The latest study from the National Low Income Housing groups. We acknowledge that providing long-term housing for this group (in particular the ELI income in rent has risen from approximately seven million households to approximately nine County s service economy, we encourage you once again to aim to exceed the NSP3 group) is impossible without subsidy; and we also realize that you have expertise with obtaining subsidies, and solid partnerships with affordable housing developers and the local housing authorities who may assist you in this endeavor to exceed the twenty five percent threshold, which we view as a floor, not a ceiling. We are willing to commit our resources to such endeavors in order to assist you as well. such subsidy including Low Income Housing Tax Credits, tenant and project based rental Providing Affordable Housing rather than selling their NSP inventory because of the difficulties of promoting single family homeownership under current economic conditions. rental to income eligible families. Other jurisdictions are moving in the direction of renting single family homes also makes single family homeownership a less effective tool for wealthbuilding than it has been in the past).

63 of the NSP program is its ability to jump start local economies and provide valuable construction anticipated? Can you estimate the number of jobs you intend to set aside for Section 3 businesses? What partnerships will you form to ensure local hiring and contracting? A bonus possible with issues that arise during implementation of the plan. Thank you for your attention to these concerns. We look forward to assisting in any way building standards and energy efficient techniques where feasible; and we would encourage you rehabilitation, as well as those monies made available by the NSP funding. to utilize the other federal programs which make funds available for sustainable construction and Energy Efficiency and Conservation Your plan notes that you will employ green program information be made available in languages appropriate for the population of the you for placing your plan online for public comment and providing for two public hearings to facing at this time. Law Project (NNLP) and the National Low Income Housing Coalition (NLII-IC) encourage that jurisdiction and that public meetings should be held for residents of neighborhoods where comment on the plan, particularly given the scarcity of resources all local governments are jurisdictions propose to acquire, rehabilitate, demolish, or construct properties. We commend Public Participation National housing advocacy groups such as the National Housing Miscellaneous noncompliance can result in sanctions that limit recipients future abilities to participate in HUD programs; therefore, as a precaution, we would like to see more specifics in the portion of your plan which deals with Dodd-Frank and Section 3 compliance. jobs for local residents which have been lost to the economic downturn. Section 3 do as well. How will you accomplish outreach? Can you estimate the number of jobs projects. We hope that you will continue to attentively plan to satisfy the hiring and contracting requirements of Dodd Frank and Section 3; and ensure that your contractors and subcontractors

64 LEGAL NQTKE PUBUC NOTICE CITY OF ST. PETERSBURG NEIGHBORHOOD ;&STkBUZATiON. PROGRAM SUBSTANThL,, AMENDMENT TO THE FY 2010/11 - ANNUAL ACTION PLAN St. Petersbur -s Monday, January 3, B 1i Notice i heby given that the City of St Petersburg rcity ) is nialng available fop clzen review and public comment a proposed arnendmitto the I 1.01,1.1 AniwaI..Mction I?li.l!hej..S. Departrnehtf.HouaingátidUrban Development.rRUD pbcejy announce ftidjpg iithorizdunder the Dodd-Frank WaJJ met Reform aid CoirJm er Protebtion Act of 2010 Fundh Will be pqided throughe Neighborhood Stsblhzation Program - 3 ( NSP 3 ) and will provlde emrgency aftistance to states and locai govemmer(t& to acquire and idevelop foreclosed pzperues that might c herwise recomo soues of abandonment and blfgt within..7.:n.... :O1ghb6ir ds. The City intends to submit a s(bstantial amendment to its current nnhiaiaction Planpo,iatetthan March 1, 201.1, in order to secure the $3,709,133 at(qpatlonl & funding that HUD has informed us that are projected $0 receive 7 F A dieft q5tl7e aiiiendment to the FY 2010/11 Annual Action Plan will be avaii ablefor view anii publlc comment at the Housing and imur1fydevepment Deiartment, One 4th Street Norjhj3rd Floor and on the Department s iebsje at httpj/ww ds,te odhçusing from ebruary 1 through February HUD has redlicçd its Citizen Participation Requirements to 15-days in &der to meet the apjlipatlon deadline The Cfly C&uncil of thégity:ot St. Petersburg will hoid:apblicheaiing to re ecommetsor tlie proposed amendmnt on Thursday, FebrUary.17, 2011,bègii)nlng at or abut.6:0d p.m.,in City Council hambj75 FitltStreeNog1h St. Petersburg. Florida. Miten comments on the proposed amendment are enccuragj and may be submitted to the Housing and Community Development Depdftment, One Iourth StreetNorth ixl ljlor, or P0 Box 2842, St Peters&rg 9orida b4:00 p.mdii Februar ) 16,2Qi1Or:ádditIdnäl infornat or concerning this no1ce please contact Persons with djbihtres requiring reasonabt9 accommodations under the Amenoar with DIsabilities Act of please contact the City Clerkat or call ocir TDD number, ,, at least 24 hours prior to the oceedlngs 1!41.2O1i... I