Loading...
The URL can be used to link to this page
Your browser does not support the video tag.
Home
My WebLink
About
City of Tamarac Resolution R-2005-151
1 1 1 Temporary Resolution #10717 June 15, 2005 Page 1 CITY OF TAMARAC, FLORIDA RESOLUTION NO. R-2005- l,-Z;- ) A RESOLUTION OF THE CITY COMMISSION OF THE CITY OF TAMARAC, FLORIDA, ADOPTING THE CITY OF TAMARAC CONSOLIDATED PLAN; AUTHORIZING THE APPROPRIATE CITY OFFICIALS TO SUBMIT SAID CONSOLIDATED PLAN PROGRAM FUNDS FOR HUD'S FISCAL YEAR 2005-2010; TOGETHER WITH THE FISCAL YEAR 2005 (CITY'S SIXTH PROGRAM YEAR) ANNUAL ACTION PLAN TO THE U.S. DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT (HUD) FOR THE COMMUNITY DEVELOPMENT BLOCK GRANT (CDBG); (CASE NO. 7-MI-05); PROVIDING FOR CONFLICTS; PROVIDING FOR SEVERABILITY; AND PROVIDING FOR AN EFFECTIVE DATE. WHEREAS, the U.S. Department of Housing and Urban Development (HUD) has notified the City of Tamarac of its HUD Fiscal Year (FY 2005) funding allocation in the estimated amount of $481,741 under the Community Development Block Grant (CDBG) program for the City's Sixth Program Year effective October 1, 2005; and WHEREAS, as a condition of approval, the City of Tamarac is required to prepare a Consolidated Plan in accordance with HUD requirements which contains a variety of information obtained from the 2000 Census information, County, City and State statistics depicting City -specific housing and population statistics reported in several formats; and Temporary Resolution #10717 June 15, 2005 Page 2 WHEREAS, on October 13, 2004, the City Commission approved Resolution No. R-2004-235 authorizing Broward County to prepare the City's Consolidated Plan and Action Plan in accordance with the U.S. Department of Housing and Urban Development (HUD) requirements; and WHEREAS, Broward County coordinated with City staff and has completed preparation of the City's Consolidated Plan (attached hereto as Exhibit I"); and WHEREAS, the recommended projects for inclusion in the Fiscal Year 2005 Annual Action Plan for expenditure was approved via Resolution No. R2005-96 (attached hereto as Exhibit "2"), must be submitted along with the City's Consolidated Plan to HUD by August 15, 2005; and WHEREAS, the Director of Community Development recommends approval of the Consolidated Plan and the submittal of the Action Plan to HUD; and WHEREAS, the City Commission of the City of Tamarac, Florida deems it to be in the best interest of the citizens and residents of the City of Tamarac to adopt the Consolidated Plan Fiscal Year 2005-2010 and approve the Fiscal Year 2005 Annual Action Plan for expenditure of the U.S. Housing and Urban Development Community Development Block Grant funds estimated to be $481,741 for the Sixth Program Year. Resolution. SECTION 6: passage and adoption. Temporary Resolution #10717 June 15, 2005 Page 4 This Resolution shall become effective immediately upon its PASSED, ADOPTED AND APPROVED this �3 day of J V I� , 2005. ATTEST: MARION SWE SON, CMC CITY CLERK I HEREBY CERTIFY that I have approved this RESOLUTION as to form. fz JOE SCHREIBER MAYOR RECORD OF COMMISSION VOTE: MAYOR SCHREIBER /4 DIST 1: COMM. PORTNER DIST 2: V/M TALABISCO DIST 3: COMM. SULTANOF DIST 4: COMM. ROBERTS ui�// z v EL S. GOREN INTERIM CITY ATTORNEY [1 1 1 Temporary Resolution #10717 June 15, 2005 Page 3 NOW, THEREFORE, BE IT RESOLVED BY THE CITY COMMISSION OF THE CITY OF TAMARAC, FLORIDA: SECTION 1: The foregoing "WHEREAS" clauses are hereby ratified and confirmed as being true and correct and are hereby made a specific part of this Resolution. SECTION 2: That the City Commission hereby adopts the City of Tamarac Consolidated Plan; Fiscal Year 2005-2010. SECTION 3: That the City Commission hereby authorizes the appropriate City Officials to submit said Consolidated Plan together with the City's Action Plan, to the U.S. Department of Housing and Urban Development (HUD) for the Community Development Block Grant (CDBG) Program for funds for HUD's Fiscal Year 2005-2010. SECTION 4: All resolutions or parts of resolutions in conflict herewith are hereby repealed to the extent of such conflict. SECTION 5: If any clause, section, other part or application of this Resolution is held by any court of competent jurisdiction to be unconstitutional or invalid, in part or application, it shall not affect the validity of the remaining portions or applications of this TEMP RESO #10717 EXHIBIT 111" CITY OF TAMARAC 4� CAM C�R1p Community Development dock Grant Program Consolidated Plan 2005 - 2010 And .Annual. Action Plan — Fiscal Year 2005 Prepared by: ` Broward County, Florida Human Services Department ---- Community Development Division Submitted to: U.S. Department of Housing and Urban Development The Office of Community Planning and Development City of Tamarac Consolidated Plan 2005-2010 &W2005 2:58:57 PM CITY OF TAMARAC CONSOLIDATED PLAN TABLE OF CONTENTS Introduction............................................................................................................................. 4 VisionStatement ........................................................................................................................ 6 Citizen Participation and Consultation ................................................................................ 7 Advertisement......................................................................................................................... 8 Meetingsand Hearings .......................................................................................................... 8 Written Complaints and Grievances ................................................................................. 8 Housing and Homeless Needs Assessment ...................................................................... 9 General Population Characteristics .................................................................................. 9 Housing Characteristics and Categories of Persons Affected ................................ 10 Table I:Broward County Very Low, Low and Moderate Household Income Limits..................................................................................................................... 10 Table 2: 2000 Housing Needs of Renter Households ........................................ 12 Table 3: 2000 Housing Needs of Home Owner Households ............................. 14 Table 4: Substandard Housing Units .................................................................. 15 Needs 15 MinorityHousing ..................................................................................................... HomelessNeeds 16 ................................................................................................................... OtherSpecial Needs ............................................................................................................ 16 17 LeadBased Paint Hazards ................................................................................................. HousingMarket Analysis ....................................................................................................... 18 HousingSupply ..................................................................................................................... 18 Table 5: Tenure of Housing Units ....................................................................... 18 Publicand Assisted Housing ........................................................................................... 19 Institutional Structure and Affordable Housing Incentives ...................................... 19 FiveYear Strategic Plan ......................................................................................................... 20 Strategies................................................................................................................................... 21 HousingRehabilitation ....................................................................................................... 21 PublicServices ..................................................................................................................... 23 Priority Analysis and strategy Development .................................................................... 24 Priority Goal "I" - Housing .................................................................................. 24 Priority Goal "A2" — Public Service .................................................................... 25 City of Tamarac Consolidated Plan 2005-2010 6/6/2005 2:58:57 PM FederalResources...............................................................................................................26 Community Development Block Grant (CDBG)........................................................... 26 EmergencyShelter Grant (ESG)..................................................................................... 26 Home Investment Partnerships Program (HOME) ...................................................... 27 Housing Opportunity for Persons with AIDS (HOPWA)............................................ 27 Strategies of General Concern............................................................................................. 28 PublicHousing Strategy..........................................,.......................................................... 28 Anti -Poverty Strategy.......................................................................................................... 28 Fair. Housing Strategy.....................................................................................................29 Table 6: Low & Moderate Income by Population by Census Block Group ..... 39 APPENDIXI.................................................................................................................30 Citezen Participation Plan................................................................................................. 30 APPENDIXII.................................................................................................................36 ConsolidatedPlan Maps.................................................................................................... 36 APPENDIXIII................................................................................................................41 Chas2000...............................................................................................................................41 APPENDIXIV................................................................................................................43 Homeless Facilities/Services Inventory .........................................................................43 APPENDIXV.................................................................................................................44 Community2020...............................................................................................................44 Gaps Analysis & Needs Assessment...............................................................44 APPENDIXVI................................................................................................................45 AnnualAction Plan — FY06................................................................................................ 45 APPENDIXVII...............................................................................................................46 Analysis of Impediments................................................................................................... 46 APPENDIXVill..............................................................................................................47 Resolution.............................................................................................................................. 47 City of Tamarac Consolidated Plan 2005-2010 3 6/6/2005 2:58:57 PM INTRODUCTION The City of Tamarac participated in the U.S. Department of Housing and Urban Development (HUD) entitlement allocation formula as a recipient of federal funds for the first time in Fiscal Year 2000. The City is currently embarking on its next five-year cycle to receive HUD Federal grant allocations and will provide funds to promote affordable housing initiatives and socio-economic programs to address identified community development needs. In Fiscal Year 2005, the City of Tamarac will receive $481,741 in Community Development Block Grant (CDBG) funds, to address identified community development needs. Entitlement allocations from other HUD funds may become available in future years. To receive CDBG funding, the City must assess local housing and community development needs and resources, and socioeconomic impediments toward building viable neighborhoods. The result of the afore referenced assessment is the City of Tamarac Consolidated Strategic Plan. This Plan is a prerequisite to receiving the grant funds. HUD envisions the Consolidated Strategic Plan to function as: 1. A planning document for the City of Tamarac, which builds on a participatory process including government, residents, businesses, and educational institutions 2. An application for federal funds under HUD's formula grant programs 3. A strategy to be followed in carrying out HUD programs 4. An action plan that provides a basis for assessing performance The Consolidated Strategic Plan furthers the statutory goals through a collaborative process whereby a community establishes a unified vision for community development actions. This vision evolves into a Five -Year Plan that offers local jurisdictions a better chance to shape the various programs into effective, coordinated neighborhood and community development strategies that create a specific course of action for revitalization. It is the means to analyze the City local context and the linkages to the larger region. It also creates the opportunity for strategic planning and citizen participation to take place in a comprehensive context, and to reduce duplication of effort at the local level. The Plan builds on local assets and coordinates a response to the needs of the community; integrates economic, physical, environmental and human development in a comprehensive coordinated fashion. Once the five-year strategic plan is developed, it sets forth goals, objectives and performance benchmarks for measuring progress. City of Tamarac Consolidated Plan 2005-2010 4 6/6/2005 2:58:57 PM The statutes for the HUD CDBG grant programs set forth three basic goals which are closely related to the major commitments and priorities of the U.S. Department of Housing and Urban Development (HUD). Each of these goals must primarily benefit very low, low and moderate income persons within the context described below: 1. To provide suitable living environment 2. To provide decent housing 3. To expand economic opportunities This five-year consolidated plan incorporates priorities and programs addressing these goals. The Cranston -Gonzales National Affordable Housing Act of 1990 (Act) was enacted by the U.S. Congress to provide new commitment, programs and resources to accomplish the national goal of ensuring every family a decent, affordable home in a safe and livable neighborhood. The Act authorizes new housing programs which are designed to: help families who do not own a home save for a down payment for the purchase of a home 2. retain affordable housing produced with federal assistance 3. support public/private partnerships for the development of affordable housing 4. improve rental assistance for very low income families 5. increase the supply of supportive housing, combining shelter and services for persons with special needs City of Tamarac Consolidated Plan 2005-2010 5 6/6/2005 2:58:57 PM Vision Statement The Community Development Department's Vision and Mission Statement is "Tamarac is a planned community of beautiful homes, buildings and landscaping with attractive and safe neighborhoods that contribute to a vibrant local economy and a high quality of life. Our commitment to the pride in our City is matched by our determination to equitably apply the City Codes, to maintain and enhance our high standards through effective planning techniques and to promote a business friendly attitude. Our unity is strengthened by our shared enthusiasm, integrity and pride." The Vision of the Consolidated Plan supports this mission and provides priorities and objectives for meeting the goals for decent housing, a suitable living environment, and expanding economic opportunities for low and moderate income persons. These priorities will expand and strengthen partnerships throughout government and foster joint ventures among government, private and nonprofit organizations in the production and operation of affordable housing, job training, job creation, community services, and commercial and neighborhood revitalization. The City of Tamarac has already committed itself to similar goals through its Community Development Department, Capital Improvements Budget and the Housing Element of the City's Comprehensive Plan. The Housing Element, as prepared pursuant to Chapter 9J-5, Florida Administrative Code, identifies the following housing goals for the City: • preserve, enhance, and revitalize the City's neighborhoods • improve the housing stock through rehabilitation or demolition and reconstruction • meet the needs of lower income households by ensuring opportunities for affordable housing Accomplishment of the afore cited goals will assist the City in maintaining and developing housing for its present and future residents and include the necessary social and physical infrastructure to support the present and future residents of the City of Tamarac. The Consolidated Strategic Plan, provides the planning and grant application requirements to receive Community Development Block Grant (CDBG). The City receives HOME Investment Partnerships Funds as a part of the Broward County HOME Consortium. CDBG Program funds are to be used to upgrade the City's documented lower income areas into self-sustaining communities by providing resources for programs to address the needs of very low, low and moderate income persons and households. HOME funds will address the housing needs of low income residents. City of Tamarac Consolidated Plan 2005-2010 6 6/6/2005 2:58:57 PM Citizen Participation and Consultation The Citizen Participation Plan in accordance with the Housing and Community Development Act of 1974, as amended and 24 CFR Part 91, Subpart B: Citizen Participation and Consultation sets forth the citizen participation plan requirements. This section of the Act provides for and encourages citizen participation with particular emphasis on persons of low and moderate income, in addition to slum and blighted areas. Consistent with the Act, the City of Tamarac provides citizens reasonable and timely access to local meetings, information and records. In addition, technical assistance is made available to low and moderate income representative groups. The Citizen Participation Plan details the process to develop needs, review proposed activities and program performance as well as the 'manner in which hearings are advertised and conducted. (See Appendix I for further details) The first public hearing was conducted by the Broward County Community Development Division on February 17, 2005; this public hearing was provided for all cities within the Broward County area; the County wanted to provide citizen input into the planning and plan project implementation. The second public hearing was conducted by the City's Planning Board, on May 4, 2005, to receive comments on recommendations for the Consolidated Strategic Plan and the Annual Action Plan. The City Commission on July 13, 2005 by resolution adopted the Consolidated Strategic Plan and Annual Action Plan for submission to HUD. The citizen participation process provides ample time for written complaints and grievances. Through the on -going efforts of our Neighborhood Partnership Program, the City stimulates and enhances neighborhood vitality and customer satisfaction by addressing the concerns and special needs of neighborhoods through progressive and collaborative planning. In the spirit of collaboration the City staff serves as consultants and facilitators. Throughout all stages of the program, the City of Tamarac Community Development Department staff is responsible for the effective development and inclusion of citizen comments in all phases of the CDBG Program. During the development of the Five Year Plan (2005-2010) and the CDBG FY05 Annual Action plan; Broward County conducted a phone survey to gather data from specialized service providers. In addition to the phone survey, a CDBG consultation task force provided comments on the Five Year Plan and the Annual Action Plan. These service providers represent a wide range of individuals with expertise in engineering, planning, social services, economic development and parks and recreation. The consultation agencies were utilized to determine feasibility, duplication and consistency with local governmental plans, conformance with local zoning district, environmental impact and cost effectiveness. All projects must be proven feasible prior to receiving HUD funds, as many require documentation indicating financial feasibility and conformance with applicable regulations and constraints (i.e. zoning, land use, flood plan, etc.). Projects will not be funded if the proposed project duplicates an existing program which the public sector administers. City of Tamarac Consolidated Plan 2005-2010 7 6/6/2005 2:58:57 PM Advertisement The City of Tamarac will make available to citizens, public agencies, and other interested parties the summary of proposed projects and the amount allocated to each project. This information will be published for comment in the "Sun Sentinel", a newspaper of general circulation, and also may be published in other local newspapers at the City's discretion. Meetings and Hearings The City of Tamarac will conduct at least two (2) public hearings annually to obtain citizen's views. Each public hearing -notice will be published in the "Sun Sentinel", at least 14 days in advance of the public hearing date. The City encourages participation by handicapped residents who may require auxiliary aids for communication. Upon request, these auxiliary aids will be available to City residents. Whenever possible, the City shall produce a verbatim record by recording the hearings and a transcript will be made available for future reference. The City Commissioners formally invite all applicants and concerned citizens to participate in the identification of community needs and project activities that support neighborhood needs. At the completion of this process, the City of Tamarac Commissioners will support by resolution the plan of action to promote the community development vision of the City's Consolidated Strategic Plan. All records relating to the development of the Consolidated Strategic Plan are on file at the City of Tamarac Community Development Department and the public has unlimited access to these records for a period of five (5) years. Upon completion of the final draft of the Consolidated Plan, the City will publish the plan summary in a newspaper of general circulation, allowing up to 30 days for written comment prior to submission of the HUD grant application. All performance reports will be available for review and comment for at least fifteen (15) days, prior to HUD submissions. Written Complaints and Grievances The City responds to all complaints from citizens related to the consolidated plan, amendment of the plan, or the performance report. The City will provide a timely, substantive written response to every written citizen complaint within 15 working days, where practicable. Complaints registered orally will be logged in the Complaint Register located at the City Community Development Department, located at 7525 NW 88th Avenue, Tamarac, Florida. For further details see Appendix I. City of Tamarac Consolidated Plan 2005-2010 8 6/6/2005 2:58:57 PM HOUSING AND HOMELESS NEEDS ASSESSMENT General Population Characteristics The City of Tamarac is a full service city that covers a 12 square mile area and was incorporated in 1963, by City Charter. The City is governed by a five member non- partisan Commission elected at large. The City Manager is appointed by the Commission. Tamarac lies in the northwesterly section of Broward County. Broward, together with Dade, and Palm Beach counties, comprise one of the largest metropolitan areas in the country. The City of Tamarac' exponential growth has mirrored the population statistics statewide. New residents have been attracted to Tamarac by its climate, relatively low property taxes and non-existent state income tax. Migration analysis indicated that many people have moved to Tamarac from the North East section of the United States, primarily New York and Massachusetts. The 2000 American Community Survey migration figures also indicate that people moved to Tamarac from Broward and Miami Counties. In 2003, the Broward County Planning Services Division prepared its Population forecasting Model for the County as a whole, as well as individual cities such as Tamarac. This along with U.S. Census data provides the most current portrait of the City of Tamarac housing, social and economic profile. In 2005, the population of Tamarac is projected at 58,674. It was 55,588 in 2000, representing a 5 percent population. increase since the 2000 Census base line year. According to 2000 U.S. Census data, the City of Tamarac population increased by 24% from 1990 to 2000 from 44,822 to 55,588. Build -out, anticipated in 2007 or 2008, for the City is over 60,000.. The City has a relatively mature population, as the median age was 52.9 years old with thirty percent of the City population under 18 years old. The population, 65 years or older in 2000, represented 37.8 percent of the persons in the City. Also in 2000, 82.1 percent of the residents in Tamarac were white as compared to the 1990 Census; the white population totaled 91.6 percent. Minority population gains were modest with an average increase one percent in the racial categories with current 2000 estimates as follows: 14.9 percent of the city residents are of Hispanic origin and may be of any race; black residents represent 10.5% percent, and Asian or Pacific Islander residents represented 1.5 percent of the population. The City is comprised primarily of family households. This fact is confirmed by the 2000 U.S. Census population data which indicates families made up 57.4 percent of the people in Tamarac with an average household size of 2.00 which is below the national average of 2.59 and county average of 2.45. There are 27,423 households in the City. It should be noted that 44.8 percent of the family households are headed by married couple families. The City has relatively low unemployment (3.0%) and the three primary employment sectors are executive, administrative support and retail. The 2000 median household income in Tamarac was $34,290. HUD utilizes the median family income City of Tamarac Consolidated Plan 2005-2010 9 6/6/2005 2:58:57 PM (MFI) for determining low and moderate income persons. The current MFI is $58,100 for Broward County (the Ft. Lauderdale MSA). Housing Characteristics and Categories of Persons Affected The 2000 housing stock is comprised of a total of 27,732 housing units, of which 7.8 percent were vacant. The occupied units consisted of 21,921 units that were owner occupied and 5,502 housing units were renter occupied. The housing stock is relatively new, with 47.4% of the structures built since 1970. According to the City of Tamarac' State approved Comprehensive Plan; specific guidelines have been adopted to promote affordable housing. It is important to note that the City is very close to residential build -out. By Fiscal Year 2002, 99% of all residential land had been developed. One possible side effect of build -out is an increase in turnover and higher prices for existing housing, which ultimately, could negatively affect affordability. Keeping in mind the intent of HUD program initiatives such as the CDBG and HOME grant allocations, which are defined on pages 23-24, the persons or neighborhoods served by the City's Consolidated Plan will be described in this section. General housing needs of the affected population are measured by assessing the number of low and moderate income families, those who earn between 30% and 80% of the MFI annually. In addition, the households who live in substandard conditions, live in overcrowded units or pay more than 30% of their income for housing will be examined. Table 2 summarizes the household size and income categories of the very low, low and moderate income households and Table 4 on the following page summarizes the housing burden of households in the City, household type, income and tenure. A low income or a moderate income household is defined as a household having an income between 30% and 80% of the Median Family Income, adjusted for family size. The Median Family Income for Broward County is $58,100. TABLE I-BROWARD COUNTY VERY LOW. LOW AND MODERATE HOUSEHOLD INCOME LIMITS Household Size Moderate Income Low Income e Very Low Income o 1 Person 33,700 21,050 12,650 2 Persons 38,550 24,100 14,450 3 Persons 43,350 27.100 16,250 4 Persons 48,150 30,100 18,050 5 Persons 52,000 32,500 19,500 6 Persons 55,850 34,900 20,950 7 Persons 59,700 37,300 22,400 8 Persons 63,550 39,750 23,850 zsource: unrrea ,�;rares ueparrmenr or rousing ana uroan ueveiopmenr rrrecnve ur >iuo City of Tamarac Consolidated Plan 2005-2010 10 6/6l2005 2:58:57 PM Housing is considered to be affordable, when not more than 30% of the net income goes toward housing expenses. The Comprehensive Housing Affordability Strategy (CHAS) census tabulations prepared by HUD offer insight into how many households experience housing problems, including being rent/mortgage burdened. The HUD special census tabulations for the City of Tamarac can be found in Appendix III. The HUD 2000 special census tabulations for Tamarac indicates that 20.41 % (5,502) are renter and 79.9 % (21,921) are owner households as summarized below. Renter Occupied Households - 2000: • 16.0% (878) were extremely low income (earning 0-30 % of the median); • 14.0% (765) were low income (earning 31-50% of the median); 0 21.0% (1,137) were moderate income (earning 51-80% of the median; and • 49.0% (2,675) were middle income (earning 81 - 95 % of the median). It should be noted that the remaining 49.0% (2,675) rental households accounts for households earning 96% of the median income and above. By income category, tenure proportions steadily shift toward owners so that in the extremely low income group, the split is 6/1 owner to renter. The number of low income renters in all categories is lower than owners. For the owner category 75 % (16,419) of the owners are low and moderate income and for renters, this figure is 51 % (2,780). These percentages indicate that extremely low and low income renters are the group most likely to have substantial housing needs. Of this need category 28% and 46% are elderly renters and elderly owners respectively. Coming in second, as it relates to households in need in the extremely low income category of persons affected, are "Small Related Households". and "All Other Households" (see Tables 2 and 4 for details). 11 TABLE 2: 2000 HOUSING NEEDS OF RENTER HOUSEHOLDS Tamarac CDBG , Florida CHAS Data Book Renters Household by Type, Income, & Housing Problem Elderly 1 & 2 member households Small Related (2 to 4) Large Related (5 or more) All Other Households Total Renters A B C D E 1. Household Income t=50%MFI 622 542 122 357 1,643 2. Household Income a=30% MFI 359 202 73 1 244 878 3. % with any housing roblems 58.5 90.1 94.5 67.2 71.2 4. % Cost Burden >30% 58.5 82.7 46.6 67.2 65.5 5. % Cost Burden >50% 55.7 77.7 32.9 59 59.8 6. Household Income >30% to a=50% MFI 263 340 49 113 765 7. % with any housing problems 62 98.8 100 74.3 82.6 8. % Cost Burden >30% 62 98.8 100 74.3 82.6 9. % Cost Burden >50% 31.9 42.4 8.2 47.8 37.4 10. Household Income >50 to a=80% MFI 243 494 92 308 1,137 11. % with any housing problems 49.4 68 84.8 82.1 69.2 12.% Cost Burden >30% 49.4 54 30.4 82.1 58.8 13. % Cost Burden >50% 16.5 3.8 0 9.7 7.8 14. Household Income >80% MFI 257 1,307 157 954 2,675 15. % with any housing problems 21.4 13.2 49.7 6.2 13.6 16.% Cost Burden >30% 21.4 1.5 0 4.1 4.3 17. % Cost Burden >50% 13.6 0 0 0 1.3 18. Total Households 1,122 2,343 371 1,619 5,455 19. % with any housing problems 48.8 43.8 73.9 34.6 44.2 20. % Cost Burden >30 48.8 33.7 29.9 33.4 36.5 21. % Cost Burden >50 32 13.7 7.5 14.1 17.1 Source: United States Department of Housing and Urban Development CHAS 2000 Special Census Tabulations City of Tamarac Consolidated Plan 2005-2010 12 6/6/2005 2:58:57 PM A further review of the cost burden data (Table 2) indicates that in all rent burden categories from 31 % to 50% "Large Related Families" and "All Other Renter Households" have an exceedingly high percent average of 100% and 74.3%. When compared to the 2000 ACS for Tamarac City households totaled 29,750 households, it should be noted that the percent distribution of need remains constant in this analysis between the 1990 benchmark and 2000 measurement. Of the 5,502 renter households, 4,034 households meet the HUD income criteria for housing assistance and/or non housing assistance. More than 3,000 households are rent burdened, meaning more than 30% of their income goes toward housing. Approximately 81 percent of these households report housing problems. A review of the mean rents for Tamarac indicates that the average rent for one month is ($897.00). When one compares the mean rents with HUD determined fair market rents it is evident that a low to moderate income family with a household size of one to three persons can only afford efficiency rental units in order to not be rent burdened. It is estimated that the low and moderate income rental households are paying approximately $151.00 to $163.00 above the thirty percent affordable threshold established by HUD. The City of Tamarac owner households comprise 21,921 units. Of this total, 8,038 households meet the HUD income criteria of extremely low to moderate income. The households paying more than 30% of their income for housing in this HUD income range is 10,370 (48%). These same households also report that they are having" housing problems". Also the census CHAS data from 2000 reveals, that moderate income families living in the City are the largest class of citizens in the HUD income range with a housing cost burden with a commensurate report of housing problems. City of Tamarac Consolidated Plan 2005-2010 13 6/6/2005 2:58:57 PM TABLE 3: 2000 HOUSING NEEDS OF HOME OWNER HOUSEHOLDS Housing Problems Outout for -All Households Source of Data CHAS Data Book Data Current as of 2000 Tamarac, Florida fawners Household by Type, Income, & Housing Problem Elderly 1 & 2 member households Small Related (2 to 4) Large Related (5 or more) All Other Households Total Owners F G H I J 1. Household Income -c=50% MFI 5,013 486 44 506 6,049 2. Household Income -30% MFI 2,029 248 30 309 2,616 3. % with any housinproblems 77.8 78.2 100 72.8 77.5 4. % Cost Burden >30% 77.8 78.2 100 72.8 77.5 5. % Cost Burden >50% 51.9 70.2 66.7 61.5 55 6. Household Income a30% to -50% MFI 2,984 238 14 197 3.433 7. % with any housing problems 49.6 89.5 71.4 72.6 53.7 8. % Cost Burden >30% 49.6 89.5 71.4 72.6 53.7 9. % Cost Burden >50% 17.6 63 71.4 65.5 23.7 10. Household Income >50 to <=80% MFI 3,025 746 117 433 4,321 11. % with any housing problems 25.3 67.8 53.8 56.4 36.5 12.% Cost Burden >30% 25.3 65A 15.4 56.4 35.1 13. % Cost Burden >50% 5.1 11.9 0 5.5 6.2 14,Household Income ?80%MFI 5,169 4,193 440 1800 11602 15. % with any housing problems 6.8 15.8 35.2 17.2 12.7 16.% Cost Burden >30% 6.7 12.4 15.9 17.2 10.7 17. % Cost Burden >50% 0 1.9 3.4 1.7 1.1 18. Total Households 13,207 5,425 601 2,739 21,972 19. % with any housing problems 31.6 28.9 42.9 33.7 31.5 20. % Cost Burden >30 31.6 26.1 21.3 33.7 30.2 21. % Cost Burden >50 13.1 9.1 7.5 13.6 12 Source: United States Department of Housing and Urban Development CHAS 2000 Special Census Tabulations The 2000 ACS for the City of Tamarac examined three indicators of substandard housing: lack of complete plumbing, lack of complete kitchen facilities and lack of central heating. As indicated in Table 5 below, the City of Tamarac has approximately 382 units which lack one or more of those features. Unfortunately, it is not possible to ascertain which of those units have more than one feature lacking. Of these units, 65 units lacked complete plumbing, and 286 lacked central heating. In absolute terms there was an increase in the number of units lacking plumbing and central heating since 1980. The percentage of substandard units remains 1 % of the total housing stock. City of Tamarac Consolidated Plan 2005-2010 14 6/6/2005 2:58:57 PM Table 4 shows the housing needs of owner households. Within this group of 25,681 owner -occupied units, the income distribution for owner households is as follows: • 12.0% (2,616) were extremely low income (earning 0 -30 % of the median • 16.0% (3,433) were low income (earning 31- 50% of the median) 20.0% (4,321) were moderate income (earning 51- 80% of median 53.0% (11,602) were middle -income (earning 81 - 95 % of the median) TABLE 4: SUBSTANDARD HOUSING UNITS Substandard Housing Units - 2000 Characteristic 2000 2000 No, of Units % of Units Lack Complete 36 .01 Plumbing Lack Complete 56 .02 Kitchen Facilities Substandard 92 .05 Total Total No. Housing Units in 2000 = 29,750 Percent Total = .08 Suuwce: vnneu Stares oureau or me vensus (zuuu) Historically, these factors have been used by the Census to define substandard housing, however by today's standards they are not as relevant. Other factors play a role including examining compliance to local building codes and how well a structure can withstand hurricane force wind and rain. Seventy (70%) of the housing stock is less than twenty years old indicating that while home rehabilitation programs are not widely needed, in the next five to ten years, home rehabilitation programs will become a major priority. The above figures will provide the baseline data, and incentive to develop a working definition of substandard units, to use for comparison purposes in the future. Minority Housing Needs The 2000 CHAS Data Book provides statistical information with respect to minority subgroups in Tamarac. Of the 5,502 renter -households in Tamarac, 16.0% were very low income, 14.0% were low income, and 21.0% were moderate -income. Racial groups such as Hispanic, White Non -Hispanic, and Black Non -Hispanic were assessed. For Hispanic households, (1063 households), 15% were very low income, 14% were low income, and 31 % were moderate income. For Black households (849 households), 22% were very low income, 13% were low income, and 18% were moderate income. For White households (3,110 households), 15% were very low income, 14% were low income, and 19% were moderate income. City of Tamarac Consolidated Plan 2005-2010 15 6/6/2005 2:58:57 PM For all other households in Tamarac (284 households), 9% were very low income, 9% were low income, and 8% were moderate income. Racial groups such as Hispanic, White Non -Hispanic, and Black Non -Hispanic were analyzed. For Hispanic households (2,697 households), 11 % were very low income, 14% were low income, and 24% were moderate income. For Black Non -Hispanic Households (2,148 households), there were 13% very low income, 13% low income, and 22% moderate income. For White Non - Hispanic Households (21,515 households), 13% were very low income, 16% low income, and 20% moderate income. Homeless Needs The April 1998 Homeless Survey, conducted by the Broward Coalition for the Homeless, Inc., estimated that there are approximately 5,000 homeless persons in Broward County. Although dispersed throughout the entire county, the vast majority of the homeless persons are concentrated within the older communities of Pompano Beach, Fort Lauderdale, and Hollywood, where a majority of the services for the homeless are located. The characteristics of the Homeless population changed between 1990 and 1993. It grew substantially during that period and included more children, families, and individuals with chronic mental illness, and HIV/AIDS. Between 1993 and 1998, the homeless population characteristics remained the same. As such, surveys are now administered every two years to assess this situation. As detailed in the Inventory of Facilities and Services for the Homeless and at Risk Homeless, a continuum of service is provided for this population. Several services in the Northern portion of Broward County are located within Tamarac and/or are located in close proximity to the City's jurisdiction. Refer to Appendix IV entitled Homeless Facilities and Services Inventory. Based on the Housing Burden inventory of the City of Tamarac, approximately 2,008 renter households and 6,636 owner households are threatened economically with homelessness due to the housing burden exceeding 30%. Services to assist these households include rental, utility, and foreclosure prevention and residential rehabilitation currently provided by Broward County Human Services -Department. Other Special Needs The housing requirements for persons with mental illness are extensive and varied. The array of housing must address a range of options from independent rental apartments, home ownership to supervised congregate living such as small foster and group homes or larger adult congregate living facilities. There are two group homes located in the City of Tamarac with a capacity to serve 16 persons with mental illness. In addition, there are six housing units within the City limits that offer supportive housing for recovered dually diagnosed persons (alcohol/drug and mental health). City of Tamarac Consolidated Plan 2005-2010 16 6/612005 2:58:57 PM Affordable housing for the elderly is an on -going need in the City. Current and future housing initiatives for this "special needs" category will be to diversify and expand supportive housing services that increase "in -place residency" for the elderly. While the 65+ population of Tamarac comprises 37.8% of the total population, it is estimated that within the next decade, the elderly population could double. The City of Tamarac 2000 Census for labor force and disability characteristics indicates that of the labor force 21 to 64 age group, 6,674 persons have a work disability. Of the total disabled population 68.7% of these persons are not prevented from work. With a total work force in this age group of 24,111 laborers the disabled represents approximately 19% of the households in Tamarac. This percentage results in an estimated household need for various housing and supportive services. It should be noted that this household estimate of (19%) need is above the estimated Broward County and national average of 9% and 6 % respectively During the first five years of the City's Consolidated Plan period (2005 - 2010) a data retrieval system will be developed to ascertain more detailed information on the "Other Special Needs" categories for the update of Tamarac Consolidated Plan. Lead Based. Paint Hazards The Broward County Community Development Division consulted with the county local health department to obtain assessment of potential lead hazards and poisoning for the City of Tamarac. The Broward County Health Department, Division of Epidemiology and Research provided information for the number of elevated cases in the geographical zip code of 33321. The departments' findings revealed that there is a lower elevated amount of lead based poisoning due to most construction of owner - occupied and renter -occupied housing units occurred after 1970. It should be noted that most incidents of lead based paint hazards are found in the housing inventory built before 1970. According to the 2000 Census of Population and Housing Characteristics only 12% of owner -occupied housing or renter -occupied housing units were established in 1969 or earlier. In addition, many cases of lead based paint are "imported cases" (persons already exposed to lead) and are concentrated in areas with higher exposure to lead products (high concentration areas of pre-1970 constructed housing). In Tamarac and statewide, the percentage of houses in Florida that may be contaminated with lead based paint are quite low. Not only is there the small percentage of the houses that were built before 1970, the prevalent paints ere turpentine -based mineral spirits that were colored with pigments made from zinc oxide and linseed oil rather than lead based paint and widely manufactured, for military and household uses, in Florida. City of Tamarac Consolidated Plan 2005-2010 17 6/6/2005 2:58:57 PM HOUSING MARKET ANALYSIS Housing Supply A comparison of the 2000 census data and the 2000 American Community Survey (ACS) profile, housing tenure type indicates that the City of Tamarac owner occupied housing stock remains at an upward swing. This upward swing reflects a 5% increase. This also shows a 5% renter occupied rate decrease during the same time period; with 4% of the housing units seasonally vacant or vacant year-round. Corresponding vacancy figures in Broward County were slightly higher during this time period. Table 5 shows the terms of tenure, 79.9% (21,921) of the City of Tamarac' housing units was owner -occupied in 2003; 30.0% (5,502) of the households was renter - occupied see Table B below. During the same period, 70.0% (479,048) of Broward County's housing units was owner -occupied and 30.0% (205,399) were renter occupied. TABLE 5: TENURE OF HOUSING UNITS Housing Supply - 2000 (% of total housing units) Occupied Vacant Tamarac Owner Renter Owner Renter 79.9 % 20.1 % 2.7 % 4.8% Broward County Owner Renter Owner Renter 70.0% 30.0% 1.5% 7.5% Source: 2003 American Housing Survey for Tamarac and Broward County, Florida The City of Tamarac has continued to experience rapid growth in building activity since 2000. By the end of 2002, according to the 2003 American Community Survey (ACS) produced by the U.S. Census Bureau, the total number of housing units had climbed to 29,750. This figure represents a 3% increase in the number of housing units between 2000 and 2002. Increased housing construction in Tamarac has mirrored "boom" trends across the United States, driven by low interest financing. While the mortgage rate has increased over the past few months, it is anticipated that in Tamarac, housing construction will continue at this pace until substantial residential build -out occurs. Substantial residential build -out is anticipated to occur during the middle of this decade. The affects of build -out on affordable housing supply is expected to be negative, increasing prices higher driven by a market with low turnover and high absorption rates. City of Tamarac Consolidated Plan 2005-2010 18 6/6/2005 2:58:57 PM Public and Assisted Housing The service provider for public and rental subsidy housing for the City of Tamarac is the Broward County Housing Authority (BCHA). This agency receives referrals via the North County Satellite office of the Broward County Bureau of Family and Children Services. Families renting in Tamarac., and in need of public housing, can receive assistance from the County's North Satellite office. To date, there is no public housing sites located in the city's jurisdiction. However, there is one HUD 236 housing project that was built in 1974 and totals 432 units in the adjacent City of Coral Springs, of this total, 326 units are for the elderly. The City of Coral Springs has approximately 400 units in which tenant vouchers for Section 8 Rental Assistance via the HUD Project Based Subsidy. Institutional Structure and Affordable Housing Incentives The City of Tamarac participates in County/City Committees created to coordinate public, private and community based efforts to expand affordable housing and economic development initiatives through research and program development activities that support community development joint ventures between the private and public sectors. To further the cause for affordable housing, the City will determine the following actions: • Continue to support the efforts of the City to develop recommendations regarding land use revisions/changes that would provide development incentives for the expansion of affordable rental/owner occupied housing. • Establish criteria and implement administrative codes to defer water/sewer hook-up up fees, as development cost write down incentives for the production cost for low and moderate income housing. • Continue the implementation of the State Housing Incentive Partnership (SHIP) Program to promote and diversify available financing and inducement incentives to expand the affordable housing stock in the city of Tamarac. • The City of Tamarac Community Development Department will identify publicly owned land/buildings that can be developed for affordable housing initiatives. The five year strategic plan of goals and priorities will also assist in shaping Affordable Housing policy. City of Tamarac Consolidated Plan 2005-2010 19 6/6/2005 2:58:57 PM FIVE YEAR STRATEGIC PLAN The five year strategic plan will address the City's needs via three goals and related and corresponding priorities that are summarized below: Goals "To arrest and prevent any physical or economic blight through the rehabilitation and/or construction of housing, infrastructure and community facilities, and through economic development initiatives." Objectives. The overall program objective is driven by several factors including (1) the age and condition of the residential developments in the City; (2) the need for community facilities for low/moderate income households particularly elderly households; and (3) the need to provide Public Services. The.City of Tamarac continues to insist on high quality housing development, as well as quality maintenance of the City's existing housing stock by residents. However, the City must insure that developers provide affordably high quality housing for the low/moderate income residents of the City. This objective can be achieved over the next five years through the following strategies: • Provide funding assistance to maintain the supply of affordable housing through rehabilitation of older units. • Provide first-time homeownership opportunities for low and moderate income residents. • Provide public services through Senior Life Support Skills, Information and Referral, On -going Case Management, and Senior Support and Volunteer Programs. • Code Enforcement activities • Public Facilities improvements City of Tamarac Consolidated Plan 2005-2010 20 6/6l2005 2:58:57 PM STRATEGIES Housing Rehabilitation Objective To maintain the supply of affordable housing through rehabilitation of older units. Many of the program recipients have been elderly persons living alone in single family homes that cannot afford the cost of repair and maintenance. A number of program participants have also been households headed by a female with children who cannot afford the repair and maintenance of their homes. In some instances, units that are presently in standard physical condition could easily slip to substandard condition because the residents cannot afford the maintenance and repair of their homes. Strateav For the purpose of the Consolidated Plan, "housing rehabilitation" refers to minor to major physical rehabilitation of owner occupied, housing dwelling units located within the corporate limits of the City of Tamarac, Florida. The total rehabilitation cost may be limited to a minimum of five hundred dollars ($500) to a high of twenty thousand dollars ($20,000). It is anticipated that the majority of the housing rehabilitation cost will fall at around $15,000 per dwelling unit. The program will target low income households. However, moderate -income households will also be eligible to participate. It is anticipated that a minimum of 15 dwelling units per year for the next five (5) years will receive assistance under this program. The yearly cost of the program is estimated at $233,000. The housing units that are considered for rehabilitation will be classified in one of three groups. The categories are: (i) Standard Condition (ii) Substandard Condition, or (iii) Dilapidated Condition Typically, most units will be classified as "standard condition" indicating that they do not have major physical damage. Repair work will include facade treatment, painting, minor exterior wood and/or masonry repairs, and energy efficiency improvements. City of Tamarac Consolidated Plan 2005-2010 21 6/6/2005 2:58:57 PM Units that are classified as "Substandard" will typically require repairs in the frame, foundation, roof or superstructure of the unit. Additionally, improvements may include repair and/or replacement of exterior doors and windows. Lastly, a unit may be determined to be "substandard" if it is missing some or all of the plumbing facilities. A unit may be classified as "dilapidated" if the unit has major structural deficiencies. A unit that is in dilapidated condition typically will cost more to repair than to rebuild. Therefore, a dilapidated unit will be demolished and the occupants will be relocated based on the City's "Displacement and Relocation Plan". The "Displacement and Relocation Plan" is a part of the CDBG program and is presented in the last part of this document. It is anticipated that there will be very few, if any, occupied dilapidated units within the boundaries of the City of Tamarac, Florida. The City will provide inspections, bid write-up, financial counseling for the homeowner and underwriting for each rehab job. All work will be based on a competitive bid process from a pre -approved list of participating contractors. All participating contractors will be State licensed contractors with the necessary bonding (if required) and insurance. The contractors will be paid directly from CDBG funds. The housing rehabilitation will be in the form of a deferred loan grant to eligible low and moderate income homeowners. City of Tamarac consolidated Plan 2005-2010 22 6/6/2005 2:58:57 PM Public Services Obiective To meet the needs of a growing community Public services activities directed towards improving the services provided to the community. Areas include Senior Life Support, Information and referral, On -going Case Management and Senior Program and Volunteer Program. A public service activity or project should either be a new service or one that is a quantifiable increase in an existing service. Strategy For the purpose of the Community Development Plan, public services are community facilities, services and programs that provide support to the City's residents. Projects in this category will provide safety programs or provide services to residents of the City of Tamarac. The funding of this category will be based on the merits of the request for funding received. The category is subject to a 15% cap. Therefore, priority will be given to programs phased over a number of years, and programs that benefit the greatest number of low and moderate -income persons. City of Tamarac Consolidated Plan 2005-2010 23 6/6/2005 2:58:57 PM PRIORITY ANALYSIS AND STRATEGY DEVELOPMENT Priority Goal "1" - Housing The goal of decent housing includes assisting low and moderate income persons to obtain appropriate housing and assisting persons at risk to not becoming homeless; retention of the affordable housing stock; increasing the availability of permanent housing in standard condition, and affordable cost to low and moderate income families, particularly to members of disadvantaged minorities, without discrimination on the basis of race, color, religion, sex, national origin, family status, or disability. Priority Goal "1" — Existing Homeowners Very low, low, and moderate income (0% to 30%, 31 % to 50%, 51 % to 80% of MFI) Existing Homeowners (i) Analysis As stated before, there is very little substandard housing in the City. Therefore, based on this assessment, the City has assigned a relative numerical priority of "1A" to all existing owner -occupied housing rehabilitation program. (ii) Strategy Develo ment-Investment Plan Activities Based on the 2000 CHAS data (See Appendix III, CHAS data is downloaded from hud.gov), the City reflects that 34% of all households in the City of Tamarac had housing problems. Of the 21,921 owner households (as identified in the CHAS) in 2000, 6,049 owner households had incomes less than 50% of the Median Household Income (MHI). Very Low-income owner households counted 2,616, low-income owner households counted 3,433, moderate -income owners counted 4,321. Therefore, based on this assessment, the City has assigned a relative numerical priority of "1A" to all existing owner -occupied housing rehabilitation program. The five (5) year goal: Owner -occupied housing rehab = 75 units Programs The following programs and resources (federal and state) will be pursued over the next 5 year period. The jurisdiction will generally support applications for these programs and resources from eligible non -profits and other entities when application is limited to City of Tamarac Consolidated Plan 2005-2010 24 6/14/2005 12:53:36 PM such entities. However, when the jurisdiction is also an eligible applicant, it will take the lead and apply directly for funding. Rehabilitation A. Federal CDBG B. State SHIP Priority Goal "A2" — Public Service Low to moderate income (0% to 30%, 31 % to 50%, and 51 % to 80% of MFI) persons. (i) Analysis Public service activities directed towards improving the services provided to the community. Areas include Senior Life Skills Support, on -going implementation of the Senior Program and the Volunteer Program. These services will benefit a low and moderate residents in the City of Tamarac. Programs The following program and resource (federal) will be pursued over the next 5 year period. The jurisdiction will generally support applications for these programs and resources from eligible non -profits and other entities when application is limited to such entities. However, when the jurisdiction is also an eligible applicant, it will take the lead and apply directly for funding. Public Service A. Federal CDBG B. Public Services 1. Senior Life Skills Support CDBG 2. Information and Referral Services CDBG 3. On -going Case Management CDBG 4. Senior Program and Volunteer Program CDBG To support the five year investment plan the appropriate federal resources described below will be utilized and applications will be submitted and or supported in achieving the City's listed projects and actions outlined in this section. It should be noted that this list is not inclusive of all funding options in the private and public sector. City of "Tamarac Consolidated Plan 2005-2010 25 6/6/2005 2:58:57 PM FEDERAL RESOURCES Community Development Block Grant (CDBG) The Community Development Block Grant (CDBG) was first authorized by the U.S. Congress in 1974, by the Housing and Community Development Act of 1974 (HCDA), with subsequent amendments. The primary purpose of the HCDA is the development of viable urban communities, by providing decent housing and a suitable living environment and expanding economic opportunities, principally for persons of low and moderate income. At least 70% of all CDBG funds must be spent on activities which benefit low or moderate income persons. Funds are used for housing to benefit low and moderate income persons, public facilities and improvements, expanded public services that include employment training, child care, fair housing counseling or recreational needs; rehabilitation of private or publicly owned buildings; economic development activities that create or retain jobs for low and moderate income persons. Emergency Shelter Grant (ESG) The Emergency Shelter Grant (ESG) program was enacted in 1987 as part of the Stewart B. McKinney Homeless Assistance Act. The ESG program is designed to help improve the quality of existing emergency shelters for the homeless, to help make available additional emergency shelters, to help meet the cost of operating emergency shelters and to provide certain essential social services to homeless individuals, so that these persons have access not only to safe and sanitary shelter, but also to the supportive services and other kinds of assistance they need to improve their situations. The program is also intended to restrict the increase of homelessness through the funding of preventive programs and activities. Eligible activities include; renovation, major rehabilitation, or conversion of buildings for use as homeless shelters; essential services provided to the homeless; operating and maintenance costs for the shelters; and providing homeless prevention services. City of Tamarac Consolidated Plan 2005-2010 26 6/6/2005 2:58:57 PM Home Investment Partnerships Program (HOME) In FY 2002, the City of Tamarac became a member of the Broward County HOME Consortium along with the Entitlement Cities of Tamarac, Margate, Deerfield Beach, Sunrise, Lauderhill, Plantation, Davie, Pembroke Pines and Miramar. The United States Congress passed the National Affordable Housing Act In 1990. This Act created a variety of affordable housing programs, including the Home Investment Partnerships Act (HOME). The City of Tamarac receives an allocation of these funds as a member of the Consortium. The purpose of the HOME program is to provide funds to local jurisdictions to strengthen public -private partnerships to provide more affordable housing through acquisition, rehabilitation, and new construction of housing, and tenant based rental assistance. In addition, HUD rules require that at least 15% of HOME funds be set aside for community housing development organizations to develop affordable housing. HOME funds may be used to provide: affordable renter/owner occupied units; tenant based rental assistance; administrative and planning costs; and payment of operating expenses of community housing development organizations. Housing development costs include acquisition, new construction, re -construction, pre -development and financing costs. Housing Opportunity for Persons with AIDS (HOPWA) The Housing Opportunities for Persons with AIDS (HOPWA) program is authorized by AIDS Housing Opportunity Act and amended by the Housing and Community Development Act of 1992. The program is designed to provide local governments with resources and incentives to devise long-term comprehensive strategies for meeting the housing needs of persons with AIDS or related diseases and their families. The City of Fort Lauderdale, Florida receives an entitlement grant for this purpose, to service all of Broward County, including addressing the needs of eligible persons residing outside of the Fort Lauderdale City limits. City of Tamarac Consolidated Plan 2005-2010 27 6/6/2005 2:58:57 PM STRATEGIES OF GENERAL CONCERN The three strategies that follow: (1) public housing, (2) anti -poverty, and (3) fair housing outline the efforts that will be taken by the City of Tamarac to mitigate the short and long range debilitating impact of social and economic immobilization that occurs when these three variables are not promoted appropriately. To date the City has utilized county- wide efforts administered by private nonprofit organizations, Broward County Government administered programs, Broward County Housing Authority, Broward Economic Training Administration (BETA) and the County Work and Gain Employment Security (WAGES) Program. It should be noted that these three public concern areas are barriers to persons and or households in regards to economic upward mobility and expansion of housing opportunities. Public Housing Strategy Continue to participate in the annual agency/ municipal input in the five year Public Housing needs assessment process and promote local Landlord/Tenant forums to further city fair housing initiatives. It should be noted that Broward County Housing Authority services 106 families in the City of Tamarac with Section 8 rental assistance, of this amount 93 are female head of households. The social characteristic of the 106 households includes the following: (5) elderly, (35) disabled, (55) small family households and (11) large family households. Anti -Poverty Strategy The poverty rate is varied throughout Tamarac. Thus, an anti -poverty strategy is designed to develop affordable housing, create jobs, and stimulate the economic environment for the benefit and enhancement of the entire city. An essential component of an anti -poverty strategy is the successful coordination of social systems which acknowledges an individual -economic status (health, education, employment, job training, minority assistance, etc.). Family status is an influencing factor affecting the poverty rate in the City of Tamarac. According to the 2000 U.S. Census of Population and Housing, approximately 11 % of the entire population of Tamarac was categorized at the poverty rate. In addition, the 2000 American Community Survey, (ACS), Profile from the U.S. Census Bureau report shows that the poverty level for elderly persons (age 65 years and over) was estimated at 7.2% for the population of Tamarac. Children, ages 5 to 17 years, were at the 13.5% mark. Families with a female head -of -household maintained the highest estimates at 19.4% (female, head -of -household with children under 5 years). Racial group is also another influencing factor affecting the poverty rate in the City of Tamarac. Minority groups such as Blacks and Hispanics had higher estimates of persons living below the poverty level than Whites (non -Hispanic Origin). The 2000 US. Census Report (Population and Housing) reported that almost 11 % of Black families in Tamarac were below the poverty level. The individual rate (all persons) was 12% of City of Tamarac Consolidated Plan 2005-2010 28 6/6/2005 2:58:57 PM Black persons. Hispanics were at the 11 % mark for families below the poverty level: All Hispanic persons below the poverty level were 13%. Whites (non -Hispanic Origin) showed a lesser amount with 6% of families below the poverty level. The total number of White persons below the poverty level was .8% of the population. Children (under age 18) living in households with income below the poverty level and elderly persons (65 years and older) reported the highest number of persons in poverty in the City of Tamarac. This is based on the 2000 U.S. Census Bureau report of Tamarac. In addition, for a substantial number of households and families (16.8%) the 2000 Adjusted Gross Income is low, $15,000 to $24, 999. Various Federal and State grants are aiding in the development of housing programs in Broward County. Those Programs include: • Single Family Rehabilitation and Residential Redevelopment • Rental Rehabilitation Program • Community Housing Development Organization • Broward County Housing Authority- Housing Counseling • HOME • HOPE • SHIP • Emergency Shelters Grant Program Other services for Broward County residents, including Tamarac are administered through the Broward County Human Services Department. Human Services provides services to eligible Broward County residents in need of social services, home assistance, and other services. In sum, the anti -poverty strategy will coordinate agencies to coordinate employment training activities, develop and expand fair housing, create outreach programs to respond to individuals and families. Public transportation will also be expanded throughout the city. Fair Housing Strategy The City of Tamarac during the third year of the HUD approved consolidated plan worked with Community Redevelopment Associates of Florida, Inc. to gather data and commence meetings with agencies and citizens to develop and complete the attached, Analysis of Impediments to Fair Housing in compliance with the Fair Housing Rule referenced at 24 CFR Part 14. City of Tamarac Consolidated Plan 2005-2010 29 6/6/2005 2:58:57 PM APPENDIX I CITY OF TAMARAC CITIZEN PARTICIPATION PLAN FOR FEDERAL FUNDS City of Tamarac Consolidated Plan 2005-2010 30 6/6/2005 2:58:57 PM CONSOLIDATED PLAN CITIZEN PARTICIPATION PLAN CITY OF TAMARAC, FLORIDA Introduction The citizen participation component of all Community Development Block Grant (CDBG) funded activities for the City of Tamarac is an important element of our Community Development Program and, if effectively implemented, can yield substantial benefits to the. City both in assessing need and establishing priorities. As a recipient of Department Housing and Urban Development (HUD) CDBG funds, the City of Tamarac is required to adopt a Citizen Participation Plan to comply with the provisions of 24 CFR Part 91: Consolidated Submissions for Community Planning and Development Programs; Subpart B: Citizen Participation and Consultation. These requirements are designed especially to encourage participation by low and moderate income persons. Additionally, the City will take whatever actions are appropriate to encourage the participation of all its citizens, including minorities and non-English speaking persons, as well as persons with mobility, visual or hearing impairments. In response to the above requirements of 24 CFR Part 91, Subpart E, the City of Tamarac Consolidated Plan Citizen Participation Plan will be implemented in a manner that encourages citizen participation in the development of the consolidated plan, any amendments to the plan, and the performance report, with appropriate information furnished to citizens. Information to be, Provided Before the City adopts a consolidated plan, the City will make available to citizens, public agencies, and other interested parties information that included the amount of assistance the City expects to receive and the range of activities that may be undertaken., including the estimated amount that will benefit persons of low and moderate income and the plans to minimize displacement of persons and to assist any persons displaced. This information will be included in a summary of the proposed consolidated plan, which the City will publish for comment. The summary will be published in the Sun Sentinel or Miami Herald, newspapers of general circulation, and also may be published in other local newspapers at the City's discretion. City of Tamarac Consolidated Plan 2005-2010 31 6/6/2005 2:58:57 PM The summary will describe the contents and purpose of the consolidated plan, and will state that copies of the entire proposed plan may be examined at the Community Development Department located at 9530 W. Sample Road, Tamarac, FL 33065, and at other government offices, libraries or public places that the City may deem appropriate. The summary will be published to allow a period of not less than 30 days to receive comments from citizens on the proposed consolidated plan before the plan is finalized. The City will consider any comments or views of citizens received in writing, or orally at public hearings, in preparing the final consolidated plan. A summary of these comments or views, and a summary of any comments or views not accepted and the reasons therefore, will be attached to the final consolidated plan. Notification of the availability of the consolidated plan as adopted will be published in the "Sun Sentinel", a newspaper of general circulation, and also may be published in other local newspapers at the City's discretion. The notification will state that copies of the adopted consolidated plan can be examined at City Hall, department of Community Development, located at 9530 W. Sample Road, Tamarac, FL 33065 and at other government offices, libraries or public places that the City may deem appropriate. Public Hearings The City will conduct at least two (2) public hearings annually to obtain citizens' views and to respond to proposals and questions. The hearings will be conducted at a minimum of two different stages of the program year. Together, these hearings will. address housing and community development needs, development of proposed activities, and review of program performance. In order to obtain the views of citizens on housing and community development needs, including priority non -housing community development needs, at least on of these hearings will be held before the summary of the proposed consolidated plan is published for comment. The City is not required to hold a public hearing to amend the consolidated plan, although one of the public hearings could accommodate such a discussion. Adequate advance notice of each hearing will be given to citizens, with sufficient information published about the subject of the hearing to permit informed comment. . Each public hearing notice will be published in the Sun Sentinel or Miami Herald, newspapers of general circulation, and also may be published in other local newspapers at the City's discretion. Each notice will be published at least 5 days in advance of the public hearing date. Public hearings will be held at times and locations convenient to potential and actual beneficiaries, and with accommodations for persons with disabilities. Public hearings City of Tamarac Consolidated Plan 2005-2010 32 6/6/2005 2:58:57 PM may be held during regularly scheduled City Commission meetings. In cases where a significant number of non-English speaking residents can be reasonably expected to participate in a public hearing, a translator will be provided to meet the communication needs of the non-English speaking residents. The City will consider any comments or views of citizens received in writing, orally at the public hearings, in preparing the final consolidated plan, amendments of the plan or the performance report. A summary of these comments or views, and a summary of any comments or views not accepted and the reasons therefore, will be attached to the adopted consolidated plan, amendments of the plan, or performance report. Amendment to the Consolidated Plan When the City decides to make a change that requires an amendment of the consolidated plan, the City will provide citizens with reasonable notice of the change and an opportunity to comment on it. A summary of the proposed amended consolidated plan will be published in the Sun Sentinel or Miami Herald, newspapers of general circulation, and also may be published in other local newspapers at the City's discretion. The summary will be published to allow a period of not less than 30 days to receive comments from citizens on the proposed amended consolidated plan, prior to finalization and submission to HUD. The City will consider the comments or views received in writing in preparing the final amendment of the plan. A summary of these public comments or views, and a summary of any comments or views not accepted and reasons therefore, will be attached to the adopted amended consolidated plan. The City will make the adopted amended consolidated plan available to the public at the time it is submitted to HUD and before it implements changes stipulated in the amendment. The above noted published summary will state that copies of the amended consolidated plan will be available to be examined at the Community Development Department, 7525 NW 88th Avenue, Tamarac, FL 33321, and at other governmental offices, libraries or public places that the City may deem appropriate. The City will amend its approved plan whenever it makes on of the following decisions: 1. To carry out an activity, using funds from any program covered by the consolidated plan (including program income), not previously described in the action plan; or 2. To make substantial change in its allocation priorities or a substantial change in the method of distribution of funds; or 3. To substantially change the purpose, scope, location, or beneficiaries of an activity. City of Tamarac Consolidated Plan 2005-2010 33 6/6/2005 2:58:57 PM Substantial Change The City will apply the following criteria in determining whether a change in an activity or project represents a substantial change: A. Cancellation of an activity or project previously described in the consolidated plan. B. The movement of funds from one eligible activity to another by more than 25% of the costs of the total projects involved as projected in the consolidated plan. Projects included in the consolidated plan whose actual costs exceed the estimates presented in the consolidated plan are exempt from this policy when contingency funds are used to complete the project. C. The activity will not meet the National Objective that has been designated by the City in the consolidated plan. D. The aggregate use of CDBG funds fails to principally benefit very low- and low-income families in a manner that ensures that at least 70 percent of the amount expended is for activities that benefit such persons during the designated period. Performance Report The City will submit an annual performance report to HUD within 90 days after the close of the City's program year. Notification of availability of the performance report will be published in the Sun Sentinel or Miami Herald, newspapers of general circulation, and may be published in other local newspapers at the City's discretion. The notification will be published to allow a period of not less than 5 days to receive comments from citizens on the performance report, prior to finalization and submission to HUD. A summary of these public comments or views, and a summary of any comments or views not accepted and the reasons therefore, will be attached to the performance report. As stated in the Public Hearings section of this Citizen Participation Plan, performance will also be discussed at one of the two public hearings, at a minimum. City of Tamarac Consolidated Plan 2005-2010 34 6/6/2005 2:58:57 PM Access to Records The City will provide citizens, public agencies, and other interested parties with reasonable and timely access to information and records relating to the City's consolidated plan and the City's use of assistance under the programs covered by 24 CFR Part 91. To request information, interested parties may contact the Community Development Department at 7525 NW 88t" Avenue, Tamarac, FL 33321. Technical Assistance The City will provide technical assistance to groups representative of persons of very low- and low-income that request such assistance in developing proposals for funding assistance under any of the programs covered by the consolidated plan, with the level and type of assistance determined by the City. City Staff is available year-round for presentations or assistance to all interested parties, including appearances before homeowners' associations, as well as civic community action groups operating in areas traditionally affected by CDQG projects and activities. Complaints The City will respond to all complaints from citizens related to the consolidated plan, amendments of the plan, or the performance report. The City will provide a timely, substantive written response to every written citizen complaint, within 15 working days, where practical. Complaints registered orally will be logged in the Complaint Register located in the Community Development Department, with all pertinent information recorded. The complaint will be responded to orally, or in writing, as deemed appropriate by the City. City of Tamarac Consolidated Plan 2005-2010 35 6/6/2005 2:58:57 PM APPENDIX 11 CONSOLIDATED PLAN MAPS City of Tamarac Consolidated Plan 2005-2010 36 6/6/2005 2:58:57 PM THE CITY'S LOW AND MODERATE INCOME % BY BLOCKGROUP MAP Low and Moderate Income % By Blockgroup �CityL1Wts 4;. k 2011111 204001 r 27 1 204062 Census Slockgroup 46.7 % Low And Moderate Income • 16.9 - 36.7 •201112 36.7-48.0 $8.7 - 69.1 ':801111 35,2 ;'OQ1091• . 16.9 33.5 1 0 1 Miles Del SYefCe: Table 6 of CDGO Consolidated flan Myja 1 This Map Is for paflafal dlipey pdflleaaa only. as May 91, 20115. City of Tamarac Consolidated Plan 2005-2010 37 6/20/2005 8:25:25 AM City of Tamarac — Median Household Income Census Tract Map Median HoLisehold Income CenSLIs Tract, Tamarac. FL 1999 �y �mA L�,4d•ti.l �, 4 ' 41 .xi i'� f a^ � r a• 3 i'C7Pv Less than $30,000 I $30,000 - $39.999 $40.000 - $49,999 t N $50,000 - $69.999 $70,000 - $126.572 y Y��T� hh1 Soume: Census 2000, $ F3.1*1e P53. Prepared By: Planning Services Division Department of Urban Planning and Redevelopment �..k This mop Is ror c:qnpWWW punmMes only and should not be used for legal boundary determinations. 01012Yu ibmio 020705 City of Tamarac Consolidated Plan 2005-2010 38 6/6l2005 2:58:57 PM TABLE 6: LOW AND MODERATE INCOME BY POPULATION BY CENSUS BLOCK GROUP r1TV nF TOMARer. 7nnn Grand Total Block Low/Mod Total Percentage of Census Tract Pop. Per C.T. GroupPo o Pop...- Low/Mod Income 050400 1 0 0 U.U"/o 060107 1 1,718 2,447 66.3% 060105 1 813 1,819 42.1 % 060105 2 0 0 0.0% 060105 3 487 1,091 44.6% Sub -Total 1,300 2,910 060106 2 1,720 2,928 58.7% 060106 3 1,174 2,589 44.7% Sub -Total 2,894 5,517 060109 1 270 1,609 16.9% 060109 2 481 911 51.0% Sub -Total 751 2,520 060111 1 788 2,176 35.2% 060111 2 1,196 2,275 54.0% Sub -Total 1,984 4,451 060112 1 2,578 3,866 65.8% 060112 2 884 1,957 52.8% Sub -Total 3,462 5,823 020406 1 1,200 4,108 28.8% 020406 2 1,282 2,800 46.7% Sub -Total 2,482 6,908 020407 1 174 269 70.7% 020408 1 0 0 0.0% Sub -Total 174 269 020409 1 1,113 3,032 36.4% 020409 2 2,438 3,941 62.3% Sub -Total 3,551 6,973 020410 1 1,362 2,855 48.0% 020410 2 1,798 3,324 55.1 % Sub -Total 3,160 6,179 020411 1 781 2,723 27.1% 020411 2 977 2,824 36.7% Sub -Total 1,758 5,547 050202 2 185 445 33.5% 050202 3 287 445 51.9% 050202 4 284 645 40.1% 050202 5 304 799 69.7% Sub -Total 1,060 2,334 050305 1 1,171 1,879 66.8% 050305 2 1,052 1,831 55.0% Sub -Total 2,223 3,710 050400 1 0 0 0.0% City of Tamarac Consolidated Plan 2005-2010 39 6/6/2005 2:58:57 PM 060107 1 1,718 2,447 66.3% 060105 1 813 1,819 42.1 % 060105 2 0 0 0.0% 060105 3 487 1,091 44.6% Sub -Total 1,300 2,910 060106 2 1,720 2,928 58.7% 060106 3 1,174 2,589 44.7% Source: U.S. Bureau of the Census, 2000 STF1A and 3A tape City of Tamarac Consolidated Plan 2005-2010 40 602005 2:58:57 PM APPENDIX III CHAS 2000 SPECIAL CENSUS TABULATIONS City of Tamarac Consolidated Plan 2005-2010 41 6/6/2005 2:58:57 PM N a V) c{ 00 9� ty 00 m O 'I t+ N N� 4 N U n n n n hn n N E+ in in cn h r n tNM1 p r r r gym-, cMn µ nni Q � N � N b v i N ry n 00 Oo C m mX �T � M-1 N00 C4 n O0 00 N 00 OR i W �O, �q n V1 to En... N a, a4 n O �4 �q •--� M T Fyyy" Q r P ..v ;' 7 N N �•'i K1 ("1 N J Vl N N M V'1 f�1 ds 'r�OP7�{ F4 G Y M co W,3 %Q tic 0 r- ry cq m IQ fn "I �n ry �i .w EQq 00 m N r w G4 C b � "-' N r M 8 M 0000 eN0 x N m C) a, o0 n h [-� W) oo r�] N n 7 en 00 a`ro O c+'1 r ON r � o n n 't Q{ w �O v Yl Cqr- t In b ONO en co00 t} M �'i dM' c+'1 � N � W) N Yl ✓j f� m N N T n'1 ? Mj n 00 Oq N 0 00 �p �p M N QO 00 to N ~ M h N m N N N N QO 00 My M ti y O u p P x nn�j CD z s 0 Ooj pp 1q �p5 C) p 12 o m'G to BF x F @E 9@ BE a O n 1 ev c�i a c 00 0 o ni r n ao a N CA Fo APPENDIX IV HOMELESS FACILITIES/ SERVICES INVENTORY City of Tamarac Consolidated Plan 2005-2010 43 6/6/2005 2:58:57 PM N cn W c>< C a F^ a H Z O v U Z w O a E2 Y 0 Y 4 b m o CO Y C (if LL M (Cf C �' "O "b CO "0 13 "b "b "O m C13 imm vro�°'mrommmmcMCmmmmma)0 mmmm mm C J J J b� J J J J J J Q y 0 J J J J J 0 C J J J J ,y ...J -J O O m— (4 co LL LL O a LL LL LL J J LL LL LL LL LL LL O w w w LL LL J J a LL LL LL. LL O LL LL -C7 m CV N (tS d O C] O o (A vLLLO c -v a� > >, O U) m m a) o ) > o En C) CD c ac) m fn Q �— ro N 4) Lv c C w N N "O Q¢ (D (D« U) 3 y 1- '�- 7, C 5 N r 'x '% c .� N O 4� o C) 3 airy wObwf-`''LuOuiww mM (Yn Q N O (t] a.0 j LLI (D LOv r-ZvoomunLnWz�LnrnLnZZ m r� O M ti M r 0 cD m O M O h N O Ln (7 (Y] M CO N M r r r- M N CV r O CD r r r e* Ln N w X u7 O 't N (D v r c O m ti O Ln M O O O O m O (D O M M CD 0coC) mr-t--M0Omvm-rMmmNN0 Cn N v M r OU-) M N M m O ti m w (D f- CA 0 m r- h M C? N N Lh N N N" C ll N (Dt0 N c Lf) NI? m' N N (b r` f- cy L r i) M h I- N (D (M r 0D aD A M M � N O CD 0) 0)(`M (4 M M Ln to m M N ti N (D (D (D Ln c4 co CA Ln r- M r- Ln r` a0 Ln .- h Ln Ln Ln r- M Ln LA Ln Nt r` d v<tvvvetvn444vvv4'v ItvvU.) rn rn rn rn rn m rn rn °�) Cry) rn rn rn rn ti rn rn 0) rn rn rn �) Qctj >s bE -0 n q) (n N 'o U) O Co U E > a .2 .N Cy g Cli b W 4) L) v` ❑ t2 m E �- o o f/7 N O N co❑U roU �,m�il a)w ��m cLL[o O C b.0 Y L U J; -0 -C C C U O b C C E >+ C CA y C N C Cl C >+ -C t0 rA cc CO LLJ ❑LLOmWTO 3mU)ZCI Wy -�i❑La �JCA�-°»(3 Cf) U C N CD m N Lu (D U U a '� E a v_ O > � z °� o 3 U (D m w CU 7 m y 0 p O o a) - > a to m �,N o m — C.) U) Eon .y'o o u ca 0 c E U o (a o W= c N m m rn U) N E N C O Q b N O .� E N-M O QI 0 c 3 3� 3 c Cu ro E o °) lL Q O b O~ C O C) o N U C .D b 2 J>= > (n Npj�l—UUU2C1.U) C) O O C U co m 1 ' �' tp (�O (0 (�U tQ (o O b O U O O C Cl_ o U) a`) uU- of x 3 3 3 3 3 r .c t= D 0 — E ` Q Q Q o o c o b o a m m :c s o 0 Q ¢¢QQQmmaammmmco(nouUUUCUUU O f- (`7 w Q m U) � (D T rr � crs U) N N d 7 ►- >�Q°'QQ N � Z � 61 r mLO aO�©¢ Z r Q� Z Z a Z r= r- a CDIn (A Z r r NCO CO O Ln O CD r - to (D O Q) O N M r r N r N M to O hlqr n I,- M r-- O N O (D w O w m (O C) N O m m 9 r- O m 1- ti Ln N Ln f- N (D m CO ri N ti (n rl_ r,- � CX) N N w fl- (O M Ln N Y M Ln 1(n rl_ Ln (n c? � v It It v v� v Ln Ln Ln m Ln Ln Ln Ln m m O O m O m m m � J C � m w O c W O '` N C: m p E o o U rLn •`� ¢ c U O C ( , C O � 3 b O m N z a� E U m od ac) -0 Q o Q O U U N LL E 0 ai t U U CU O J O m U: 7 m U) co CO Lj 0 LL A �, —'' LL a� f ry 0 I E E E 00©ODL- Li LLIL c O .b 0 C o¢ � M f �m LO E N 0 C`n L U ua Z O IL a' 1- Z O C) U Z Lu <o __ _ a d C7 C] D Z] O C) .2 a L 4 O (7 P O L O CJ .� L .0 p O Z7 O U O M m m m m m m° m m m m m m m m m m m mm m m m m m J J c C J J J j[ _J J Y m 7 O M m (iu_LLLLLLLitidL%�i u.liu._`°.Ju LLLL iLL-jLL id_mjfl 1u'ti0U-U-0 a N r m ` 0) 7 C ¢ 7 O N 0 ¢ f) Q L1 'n m id h L L g CO Q Q) < �n m uj uj < 4 E O r r r r M O (D M CD N d d 0 0 7 0 00 qt M�t N* 0) 0) r N to M m 0 Ix v a � w V j d 7 0 0 CJ mQm Uat > aim a U) U cn U) 3 0) (M m� ro phhr OL co c:y..r- c N N 7+ c A A .. r 1* N 0 �:�vizzvi�z== s3. z C) U) d d C) *-` O N N O IT O O O O O O 9 C) O vt • r r f-- 00 N qT O O OO Nr tiI,- lqr r M M M M O f,- ti O N f- r U) LO LO (V + * M of d N Lo r 7 O c C t Q U CT) N C C M r 0 04 ZLLJ d LLI U-)(nzwuiviz N CO C) (0 d7 r-- Or N M w W O N Ln r N N 9 (D 0 M� M 1-- M r r r O r 00 0 0 Nr Nr O O N O tt d V (A C) ti r Nf-- r LO r M 00 M N LO 1,- O r M M C) M O 0 0 � Nt M r r` � M C 0 ti LA (0 f7 r N f� M (O d M (") Q1 r O O M M f` N �" Ln Ln r r CS) C)r- F-' O M W M M r 0Lnd M m O mM (DM q ti of O� N''T (O (O (O C0 M U? N r N t-z mop r N M f� f� 4 M 6 O M N Lo M 1-- M 0 Lo Q Ln r M M O) lf) ,r fv M O et M O M (C) M 00 Ln M N N co r` ti w N U) 1l- (0 (O M M M r� (D W M N N w M f- N (O d (O (O N (O Nr 0 u7 to ti t~ ti Ln m m d 11 IT ti ti I? Tfr 1` c� 9 Ltd 1 9 1� C? 9 t• cM 9 1l Ln L9 (!') L1) Ul) Ln LO LO LO LO Lo U) Lf) U') L1) L() U') U') LL') U") Lf) LO LO LO LO U) In LOLc) LO LO LO LY) to 0) 0) d) 0) O') 0) d d 0) 0) O) 0) O O 0) 0) 0) 0) O ai 6) d d 0) O O O 0) 0) 0) 0) a) 0) C 0 a_ 0) 7 y C m C C y _ m L c E ❑ -0 ` A O O� C N J C k ,_0 0 A E O y C Q) w p C 7 0 N r 3 y w N cp y .0 cc° m E U ae �❑ c m °) w CL d w cya .Q n m c) p p a a O 0 m(nOf g p 0(LQ o 0c)a ❑ �.in � m L m¢ y O— W e v ro c 6) .L i0 m ly x v U c �' vmi 7 .� (] w. C p O p— E m C c U 7 t c— C C y •j O(v (V O .A m A to m 0 0) 0) 0) 0 7 m m 0 �, = O 0 p m a= O m M m Co p U)wmm QUU)Cl. u) co h--❑UF-¢u)Of JJQ(D W JCAU of:Eco:20- � C C � m E o U y () c � co 0 C() c y N O U ..0 U�(n E 'fs aQ E v E Q C) c m 0 w ;M _0 Q m O U 0) ro in CU N= C O 0 .. U O y L M rn J a m � m = m N w C.. •� N E 00 a) T .V c fA N uj : .0 o o w a) E E m m E = U) a 0 w a)c O .2 (A N N U Ql fit N _ c1 0 N .0 Y _ .. o c� cn CL N 5 m m io m m J n �. -c o N d a� m a m c° = 2 Q ¢ O co w U- ro s J C❑❑ T C Q m a c N ' m U d v in cn _ CID c L U T 7i m m w u. N 0 E cn as CL m C p 7 3 S-, 7. 7 CL -,z U Iiiitilil.L0C ( TT�TTTT2TTT2=TT e 2 J��1 as d E w a� 0 N Z W O� U w O� }ac 7 cc O a1 W v.. 0 0 w Z 0 m a ro - (C: —_ d -0-0 -0 'O Z "0 "0 'D L m 0 'o U -0 -0 -0 t m -0 -0 -0 -0 O U Y •0 "C7 "a "0 -0 q D 0 7 0 M 7 a 7 D a O 0 0 D a c 7 0 0 a 7 ro a a D a C c D ro ca ro ro m ro ro ro �' °' co c M m ro ro ro M a> ro m m ro cu ro ca (o -�' m M ro ro ro c m J J -j J _.J J -i -.J i J _J J _J -j J J ,x J J J _.J J '? .-J J J j[ O _j cc M ro 0 0 r 65 o (N J a' O r Y N aI 0 (1)u] O 7 O al 65 � "'' (� N '0 D 'a ro 0 'O' «� U al O .-. C U(n G+�-' M (`" CDm Qi..Y 4)i2.(n C Foa.-0 C �(n j N � O > m v, m m U)v1 y d a> m o 0 o ro r: s c a> ¢ m¢ 4) c In 4> a a mQTL Q(Y ro roL c �Un MN v,2¢ ro cvIX¢ r>N a >, F- �U) N(n ?)NQ❑ 3 3 co¢��N �.a» Q�c Q,in�yQUM crv c s r °' O m m u7 ro 7 •x N m O r} ti v, °' (��) zw z 0Zzzz viwz3:z 3:3: zr z z z z M (n Z ,r Z m (O CS a , N In r r` rL Z U) 4 C] a In � r O r Z a O z LO in N (D Z a M C 0 N O r C) M C] M tr O r w 0 r` o w d r r r O un u7 O (D LO � M UP) r �^^ N� U) (D' tl r Nt LO r N Ir- wv- N N M ti CN ((D U) r (V co u4•> lM r^ N N U)� rN^' 4 W �T (D M r N ti O O M M r r M M n M N r O N M M 1• N N M M r ti U) ti M M Ce) N M r v-^ M M 0 tf 1- t` M (D 0 M 1�- M CD r u) (O 0 M N r 1• r• N (D 0 er ti LO (D CO P- M (O 0 M N (Y) N W r-- N M (D 0 M N 0 (D r- 'ct M f` 0 W M M ti N O W CD .- 0 0 M O (V I M Co r v M M It IT O) M (O (D N M (D ("7 N o (D r-• N N f• 1? (D 9 r` r` 9 r` r CV N In r 1,- CD f~ (D 4 r, CO r 1�t It M 1` M 04 r U) N r M Mr-- I M M (D M M a() N 4 r- o r CD (D M (D ti M M M M w N N CO M to to N W M ti CO (D ti 0 N M r•. r-- f` M O (D (O ti M "r r• IT IT IT (D ti r~ IT (n (() (n IT (n n IT C? IT 1` 1r 11 IT f• T (n f• 11 r` T T ry cn It Itvv'rv'vItvwv"tvvvvvKr�Krvv-rvvb-vvvv rr"zr<rrv v rIcr u7 0 (n (n (n (n 0 (O un 0 (n (n u7 U) ul) to 0 (O 0 (n (O u') 0 0 0 0 to (n (n un 0 (n (t) u] (n rn rn a) rn rn rn rn rn rn rn rn rn o) rn c) m rn m m rn o) o) rn m a> rn m m rn rn a) rn Co rn rn N 0 o U7 C c i N C N m c .0 M C:_ N N 0 4) -0 D N o °' O i ro ) n -- Q v N m (ti � o o ap E 'q o U a> a> o c o co o ro cc c 0 oLL aa> �¢ ¢ 0 (0 �Om �,EM2 c 0 o o co L) ac u E �0) O mU c�2= O ro c ro c c a a> 0) (a ro m ro a> J o k *0 � d a) C J Lr m (7 '� '� C ro O LJ) > c I C c r LL N (`p C 7 2 (O o c o o m a> m a o c��o (n c c o o E U c`a m C a) E c C C O F� (D rn U ` o U CD (D U C 4) a) U c c a) E U ro CD ❑ CL' ro(D c (DU "' c G> r U ' U c E ac> � � _ (u �_ � ," -C o _ O c w C Z .r U Q CJ) U -o Do E .� O U T a) U c �n (d of lip 7 V 0 ro U 0 C .N .ro -0 N Q> c a) ro O c 0 a) -0 () ro c U o o d ✓W 0 c w 0 v (� Q E N C) 7 0 Q om. C `1 a> w c U a) a> E E 0 c "_ U tCS j = J ,C) En D U ro d p C 0 O ro o� c aroi 2 0 a) O� 0 T fti ¢ vi. - c 0 0 0 c Q (/� to .0 O� y(D O U a. 0 U U ¢ a) U) U t C CL U in �U"ET.� m��° o o.roUos 3�0"m m °)mUCo s� ro aim° m.o 'Fh LL c°> �' ro ro o a`> a ro o 4C> _0 .@ .` m '� 0 0 (cv c r` CO C� d cn o o �' a> ro a�i 'o o c m ro a�i a>i o `o a¢ a n .: � w c s i s U J�� �zZZZZOcLWWCOU)U)(nU)Cncncn(ncn0U)WU) f-- t-F- > 0 W m E 0 d S rL Z 0 .0 0� U m cn a� Ow W« on U- 0 0 c d c co W a W Z 0 m I. f- U a z 0 L) 4 cn 0: 0) W � cn m C aD � -D -0 a C C O a C C U) .0 a C U) c- - C c C- ro ro -m C C C C C C m ro ro ro ro ro o� U) cv m 0 m m- CO ro 2 co m a a m -- aa0 C m LD c� 7 �(ci`C u CO .Q LD a'E act u CO a a a'E o a a o. a a a �--j -j ro E E E `� E E m V E m m ca E w ro m m E E E m m E E E E E E 0 tiLL L%LiUa.a-F-Ua.a.aDZ-3Ua.m❑co 0 o m o o n m 0 D o m 0 N 0 W m 0 0 a❑m❑ma.0-d❑maLa. 0 0 o U) 0 0 0 0 0 0 0 a. a.aLa 0) o m m Ln (p ,� d w� (aa ro m 4) o m C: m aL of w a c 0 m �; p` m e CO � CD 0� U E v (� r` . ch O V! — C am_ Q O N Q N ca O cn U) O O m co U- ro^ X N a N ch r CO ca ZZWmZ�m�� m❑ Z WLLJ �¢❑ UUJZ2 Z C r,- N U) co (6 C r Z Z U) Z U) (n r C] Z �.,,. U) Z r CS C] m C] cD 0 r (0 0 0 u) M O O) 0 C) [^ r 00 r to r r r C] W O r r C] u) r r a N- tN OOq 00 00 r N P N 't M 0 0) M N N N M N N M �Y 0 M M�t u) 0 qt O 0o N C) r (D LO et 00 0 v N a O v r C] Nt L() It r--0 0 LO mmco0mLO LO N00 CN .- LO m rl-C](0M 0u)cv)000r�rn a) C) Cl) 00 00 Op r� co) r` ch u) It (7) N m (D (D (D (7) N 00 0o cv) ti r N (N cr) r c`') qKt 00 (D N r M O ti Cl) r-- (D u) 0) r- r- 0 00 r� Ln co cr) (D Ln 44 C7 ti ti ti () N u) r N � r` (0 N m Ln 00 u) u) (D (D G0 u) (D r N co co M (D (D 0) Lc) Ln r- N N N ti N 00 00 N qq N N 00 co 00 (D N 00 r- CD po r-I,-u)r`vtiMmr_tiM rn Nul) rl- va) ti Nrtir`rn rlO)hhTr`r` 4444444 444 4 vv v rtct ItT qrvvv vvervvv W) Ln u) to u) u) Lc) LO Ln u) LO u) Ln Ln 0LO Lo u) LO U-) LO LO Ln u) u) Ul) LO LOmmmmmmmm0)0)r-_ 0) cnrn 0) 0) CD rn rnrn0)m rnrnrnrn0)0)0) `m (n E p q) c c c0 0 j[ L m N 7+ ro 0 E C: a) 0 in � � c cv o m 3 m = coo ro N Z �c oa 0 0) U 0 0 •m ro D 0 ccu w a m - 0 co c 0 cu m N -c �©� �� ai p )-0*0 ¢ cJ a ro .0 E crn o-am ro� m •0 co o oro c m U5 o-o m cis E v ro 4 c roD m ❑�[l'0:CL o m 0) ca /)LUU)1le a. CA"'7 cr Dr• U r���❑ O m -)-7U�cr ❑ ¢ o c c .: 3 c CDm � t" U) o o c c Z Y ¢ E O -0 C O a U) U a Q t 0 O q m �' O O G 7 co C N m 0 U w l� U O () N E a U U) c m m p v U O_ cn ,, L c •m C) -r m .Fn f01 m U t o O a ❑ 0. 0 C 4) � �. rn s 0 a 0 4) q- -D F 5 in c m a m w ¢ N a� E E Q- — y o �- (� " com ro O rN. L O Lu ID m (D cu (ti O) ❑ it E O O -p _o .0 .� -O .r- ro E N C❑ O 7+ 0 C E U _0 C c) to U .cn c O (7 U w❑¢ U -o E m c m Q U o o ca m 0 :_ m Q Q m@ m a� 0 o a .- C) U O¢ o C O V O H O C c ac ro w m 7 7+ _ A co ca ca m ro 3 N .m LL. 0 U- 3 a N 0 Y mom Q cn .0 o 7i��7calaamUC)0LL.l."a 0 0 0 0 0 w 0 c'n •n M m m LL.LL m LL. w EE m U 0 o °) m =m J m 0 ccn . o 20CLaL000 m Z O L L N Z 4) M ... U N OU) �a Q C 0 _LD M� W M U. O G 4) C L/7 w a w z 0 2 a -14 "O _0 'a "O 'o -u "O T) "O "d N 'P -0 "O M -0 "O "O 'a (0 70 M o_ooa o o oo o oo$ozo a o o m ozz m oo o do o C: 5,•� . .> E ____S 0) O o o O O N _ �=2===❑2❑Y2 0 c0 p M p 0 M 2=0©2T=CL= c(1 O O O N O O O= =T20=2=2❑=❑ M O O o o M o cd N c0 _ L � 0) f0 '' C N i 7 Cp C12 N W - N 10 b ci�cn �O m �� o = ¢L� �.(L;,- WSW ( w Q M a� a'i�a c❑co LL m cam N=Qr O o C x—o U) �U � oNQ 3 N C r C C CO N cn }�} .0 'X v y� U) .0 C L to cn [] O L 2 W M 00 U0 0 (n L W L 7' 0❑© N 7 'r- w-c N c�G O X N Z ao � Cry Z t ° 0 co Z 3 (n Z CA. Z u7 � 0- IL 2� h- z �- a Qbp t� V- e- w CA 0 —0 Z M V.- M Z co 00 0 0 0 0 — if).- 0(l) r r 'T1` � O O. Lh 0 0 r N O M O O g O U-) O O O r 0 O_ O M M N Nrr Q m C? M, 0 N� (0C1 - M (00 ~V n , 0� t` ti N c i M M vt M 1-- M Lo It P- � [L � M M N rtt o LO M� 1` N W 0 0 O w 0 0 1` � N U7 N cn CO (0 CD OD N N N M LO V 0 O 0 M r Ln M O O Nt d M O W (D w- M O 0 (A O O r O M [t O N r W T C? N M O (fi T C? r s- r (D GD 9 11 i O N O N — (V 11- N N (D 1V COO (r7 M't (n (D M 0 4 ti 6 1• M 4 r O M o r 0 Iti lf7 N 1-- 1- r 0 M w r- A co N N O M N w N w O M LO N w N N w N N (D w w w w N w N M (n N w N 1l O O O T O O O 1• 0�t m O C? O O O T T O O T m T O m T N O I? C� "t ct a � � It �d' IT It It �:i 'v � tt v Nr:t v It IT 'T IT It IT IT qt It (A rn Q) Cn D) 0 0 rn O Qi rn Q� rn (� rn rn O rn rn GA rn Q) rn rn Q) 4> cA O 0 rn O Q% N -0 _ ca o U @ c _ (6 C c�0 L L L o N G m e O m E L F C C 0 o E 'E- ca � o C: rn m N W E o ca a� cd o C m o (D .. Y N o c c m 7 co �. w is �' L) 0 0 U m 5 CO, 2,cc miE ca� m-o �� M©� a�i w ��= 0�� aU cdo� r U �• w O c ro o 'U o ." MCD y c �, U o M o b m c= M o ro M m co (D o o c b 0 (Mv o CC w M m m m 0 O�--)zCl. Lw2 U) cl-2 =Z--.)Q-»w❑2mwm❑n•Y 4 � C) on d ❑ Z � rn a� o (D m Q o U in U �o v, N m 0 O U j 0 G L o c 4)o . c(n W 4 = M a a) M U m v o Ca 0 -0C)c .Z a M o U❑= .aU NON f° c cn �od bu 7 O =`(D b O O= u o LLC U'¢w o ❑ W� ¢�a cc-0 Ea oNK np cp E o LU 7FD o M Mb b 0 0O O 7 —Q(X,ICCICII0a0Luw7:MLL C D U . > (0 N N y N E U y U aD c 0 o E M o do :3 O a' E ° _ U rn U c IM .� p•C b rnac-�U) 0 (1)U)�7s C N e E CL o¢ aa) co o� C LO EN E �> U� APPENDIX V COMMUNITY 2020 GAPS ANALYSIS & NEEDS ASSESSMENT City of Tamarac Consolidated Plan 2005-2010 44 6/6/2005 2:58:57 PM Continuum of Care: Gaps Analysis - Individuals uedsiunns Estimated Current Unmet Need/ Relative Needs Inventory Gap Priority Emergency Shelter 0�] © Low Transitional Housing 0 ® 10 Low Permanent Housing ILow Total 0 0 0 C511maieu OUPPVrura ipelVnove awka Job Training © 10 Low Case Management 10 Low Substance Abuse Treatment 0��„ _] low Mental Health Care © © 10 1 Law Housing Placement ILow Life Skills Training [0 10 Estimated low Estimated suD-ropuiatnons Chronic Substance Abusers © © Low Seriously Mentally 111 © 0 10 jLow Dually -Diagnosed © aw Veterans ® 10 Low Persons with HIV/AIDS 0_[� ® Law Victims of Domestic Violence © 10 Law Youth 10 LOw Continuum of Care: Gaps Analysis - Persons in Families with Children oedsiunits Estimated Current Unmet Need/ Relative Needs Inventory Gap Priority Emergency Shelter 0�- ] C� © Low Transitional Housing 0 Lvw Permanent Housing © © Low Total 0 0- 0 F-stimatea supportive bervices mots Job Training 10 Low Case Management 0�] Law Child Care © 101 Low Substance Abuse Treatment 0�] Low Mental Health Care C] ©0 ILow Housing Placement ® 0[ _� 0�� Low Life Skills Training © 0� Law Estimated SuD-Populations Chronic Substance Abusers 0 00 Law Seriously Mentally 111 0 fLow Dually -Diagnosed LrJ 0 ® Low Veterans I low Persons with HIV/AIDS 10 Low Victims of Domestic Violence © 1 low Continuum of Care: Gaps Analysis - Individuals. Bedsiunits Estimated Current Unmet Need/ Relative Needs Inventory Gap Priority Emergency Shelter ® Now Transitional Housing Low Permanent Housing © Low Total 0 0 0 Estimated Supportive services Slots Job Training 10 Low Case Management [0�� ro----1 10 Low Substance Abuse Treatment I Low Mental Health Care 0� 0-_ 1 0 1 Low Housing Placement Low Life Skills Training © Low Estimated 5uu-ropuiations Chronic Substance Abusers 1 Low Seriously Mentally Ili 0 Low Dually -Diagnosed �. l�_._.� 10 Low Veterans ® © Low Persons with HIWAIDS 101 Low Victims of Domestic Violence ® 5 ILow Youth © 0 © Law Continuum of Care: Gaps Analysis - Persons in Families with Children oeasiunits Estimated Current Unmet Need/ Relative Needs Inventory Gap Priority Emergency Shelter 0 y 10 NOW Transitional Housing �.-.I Low Permanent Housing © ® Low Total 0 0 0 Estimated Supportive Services Slots Job Training a [0 00 Low Case Management ILow Child Care 01 Low Substance Abuse Treatment [0 0�] © Low Mental Health Care ® 10 Low Housing Placement 0 0 Low Life Skills Training © Low Estimated Sub -Populations Chronic Substance Abusers Seriously Mentally 111 ��� 10 Low Dually -Diagnosed © Low Veterans ® © 10 Low Persons with HIV/AIDS Victims of Domestic Violence ® 00 Low Special Needs/Non-Homeless r Sub -Populations Priority Need Estimated $ Elderly ffl760,000 Frail Elderly Iso Severe Mental Illness Lso Developmentally Disabled NO Physically Disabled NO Persons with Alcohol/Other Drug Addiction No Persons with HIV/AIDS None 0 TOTAL 1$160,000 Housing Needs Renter Need Level Units Estimated $ Small Related 0 - 30% of MFI Wed © 0 31 - 50% of MFI IMed 0� 51 - 80% of MFI $0 Large Related 0 - 30% of MFI Med y $0 31 - 50% of MFI Med trJ 0 51 - 80% of MFI Med 0 0 Elderly 0 - 30% of MFI Nih 0 31 - 50% of MFI H i h 1;0 51 - 80% of MFI Nih 0 0 All Other 0 - 30% of MFI Iso 31 - 50% of MFI Iso 51 - 80% of MFI Low L.r.! 0 Owner 0 - 30% of MFI 1$583,000 31 -50% of MFI H i h 114 583 000 51 - 80% of MFI 1$583,000 Community Needs —Anti-Crime Programs Overall Sub -Categories Crime Awareness (051) —Economic ueveiopmenz Overall Sub -Categories Rehab; Publicly or Privately -Owned Commer 04E) CI Land Acquisition/Disposition (17A) Cl Infrastructure Development (17B) Cl Building Acquisition, Construction, Re (17C) Other Commercial/industrial Improvements (17D) ED Direct Financial Assistance to Far -Pro (18A) ED Technical Assistance (18B) Micro -Enterprise Assistance (18C) —•- Infrastructure Overall Sub -Categories Flood Drain Improvements (031) Water/Sewer Improvements (03J) Street Improvements (03K) Sidewalks (03L) Tree Planting (03N) Removal of Architectural Barriers (10) Privately Owned Utilities (11) —Planning & Administration Overall Sub -Categories Need Level Units Estimated $ Med 0 $0 Med 0 $0 Need Level Units Estimated $ High 0 $0 High 0 $0 Low 0 $0 Med 0 $0 High 0 $0 High 0 $0 Low 0 $0 Low 0 $0 Low 0 $0 Need Level Units Estimated $ -- 0 $0 Low 0 $0 Low 0 $0 Low 0 $0 Low 0 $0 Low 0 $0 Low 0 $0 None 0 $0 Need Level Units Estimated $ High 0 $0 Community Needs (Page 2) Public Facilities Need Level Units Estimated; Overall Med 0 $0 Sub -Categories Public Facilities and Improvements (Gener (03) Med 0 $0 Handicapped Centers (038) Low 0 $0. Neighborhood Facilities (03E) Low 0 $0 Parks, Recreational Facilities (03F) Low 0 $0 Parking Facilities (03G) None 0 $0 Solid Waste Disposal Improvements (03H) None 0 $0 Fire Stations/Equipment (030) None 0 $0 Health Facilities (03P) Low 0 $0 Asbestos Removal (03R) None 0 $0 Clean-up of Contaminated Sites (04A) None 0 $0 Interim Assistance (06) None 0 $0 Non -Residential Historic Preservation (166) None 0 $0 Public Services Need Level Units Estimated; Overall High 0 $0 Sub -Categories Public Services (General) (05) High 0 $0 Handicapped Services (05B) Med 0 $0 Legal Services (05C) Low 0 $0 Transportation Services (05E) Med 0 $0 Substance Abuse Services (05F) Low 0 $0 Employment Training (05H) Low 0 $0 Health Services (05M) High 0 $0 Mental Health Services (050) Low 0 $0 Screening for Lead -Based Paint/Lead Nazar (05P) Low 0 $0 Senior Programs Need Level Units Estimated; Overall High 0 $250,000 Sub -Categories Senior Centers (03A) Low 0 $0 Senior Services (05A) High 0 $250,000 Community Needs (Page 3) routn rrograms Overall Sub -Categories Youth Centers (03D) Child Care Centers (03M) Abused and Neglected Children Facilities (030) Youth Services (05D) Child Care Services (051.) Abused and Neglected Children (05N) — Other Overall Sub -Categories Urban Renewal Completion (07) CDBG Non-profit Organization Capacity Bui (19C) CDBG Assistance to Institutes of Nigher E (19D) Repayments of Section 108 Loan Principal (19F) Unprogrammed Funds (22) Need Level Units Estimated $ Low 0 $0 Low 0 $0 Low 0 $0 Low 0 $0 Low 0 $0 Low 0 $0 Low 0 $0 Need Level Units Estimated $ -- 0 $0 -- 0 $0 -- 0 $0 -- 0 $0 .. 0 $0 __ 0 $0 TEMP RESO #10717 EXHIBIT 102" APPENDIX VI FISCAL 2006 ANNUAL ACTION PLAN City of Tamarac Consolidated Plan 2005-2010 45 6/6/2005 2:58.57 PM CITY OF TAMARAC Y 6 U I #�"t4,` ��, �✓�Ma {� irv� � �A"i �1� 1 k to ry 7VT CQ��Q Community Development Block Grant (CDBG) Program Fiscal Year 2005 Annual Action Plan Sixth Program Year Prepared by: City of Tamarac Community Development Department 7525 NW 88t" Avenue Tamarac, FL 33321 Submitted to: Broward County, Florida Community Development Division and U.S. Department of Housing and Urban Development The Office of Community Planning and Development July 2005 Table of Contents INTRODUCTION ....................................................................................................... 4 Community Description ....................................................................................... 4 CITYMAP .................................................................................................................. 5 FISCAL YEAR 2005 ANNUAL ACTION PLAN ......................................................... 6 PROPOSED FY2005 CDBG PROJECTS ................................................................. 7 Residential Rehabilitation ...................................................................................... 7 PublicService .............................................. ................................................ 7 Program Administration ................................................................................... 7 PROJECT DISTRIBUTION ........................................................................................ 8 Home Investment Partnerships (HOME) ................................................................ 9 Consistency with Consolidated Plan ..................................................................... 9 Other Actions and Activities ................................................................................. 10 Barriers to Affordable Housing ......................................................................... 10 FairHousing ....................................................................................................... 10 LeadBase Paint .................................................................................................. 11 Citizen Participation Process ................................................................................ 12 Institutional Structure and Coordination ............................................................. 13 Institutional Structure ........................................................................................ 13 Continuum of Care ............................................................................................. 13 Anti -displacement and Relocation Plan ........................................................... 13 CERTIFICATIONS ................................................................................................... 14 DrugFree Workplace ........................................................................................ 14 Anti -Lobbying .................................................................................................... 15 Authority of Jurisdiction ................................................................................... 16 Consistency with plan ........................................................................................ 16 Section3 . ........................................................................................................... 16 CitizenParticipation .......................................................................................... 17 CommunityDevelopment Plan ......................................................................... 17 Followinga Plan ................................................................................................. 17 Useof Funds ................................................................................................... 17 ExcessiveForce ................................................................................................. 18 Compliance With Anti -discrimination Laws .................................................... 18 Lead -Based Paint ............................................................................................... 18 Compliancewith Laws.......................................................................................18 APPENDIX TO CERTIFICATIONS..........................................................................19 Lobbying Certification.............................................................................19 Drug -Free Workplace Certification.........................................................19 MONITORING STANDARDS AND PROCEDURES ............................................... 21 APPENDIXI............................................................................................................25 PUBLIC NOTICE.................................................................................................25 APPENDIX11...........................................................................................................26 APPLICATION FOR FEDERAL ASSISTANCE...................................................26 (COMMUNITY 2020)............................................................................................26 City of Tamarac —Action Plan FY06 6/22/2005 4:34:05 PM INTRODUCTION Community Description The City of Tamarac offers the best of the South Florida lifestyle. It offers its residents the opportunity to stay at home and enjoy what others would call a "vacation." Residents can set out in any direction of the compass and discover right in their own backyard what foreign and domestic travelers deem exotic. For Lauderdale, with its world-renowned beaches, tournament fishing, Caribbean reefs for scuba diving and gourmet restaurants, shares Tamarac's eastern border. The vast wilderness and unmatched beauty of the Everglades National Park lies just across the City's western boundary. The world's most luxurious cruise ships sail for exotic Caribbean ports from docks just a few minutes away. Key West, America's "Margaritaville," is just a short drive south. Residents and tourists can also drive to the north and say hello to Mickey, Minnie and Donald at Orlando's Disney World, In Tamarac, residents can golf, play tennis, swim, or maybe just enjoy a quiet picnic by the water. The U.S. Conference of Mayors named Tamarac one of America's most livable cities. The White House designated the City as a Millennium Community. The President also awarded his Blue Ribbon of Excellence to the Tamarac Elementary School. Lush green lawns and inviting canals frame Tamarac's diverse opportunities to make a home. Whether people seek the convenience and economy of a condo flat or want the spaciousness and luxury of a large home with a golf course view, they are likely to find it in Tamarac. In Tamarac housing opportunities are abundant. Whether residents want to rent or buy, Tamarac is affordable. The real estate millage rate is below the Broward County average. Tamarac is a safe city. Its crime rate is the lowest for any Broward County municipality or more than 55,588 residents. Tamarac's Parks and Recreations Department provides year-round recreation programs for every age group. Softball, tennis, roller hockey, boat launch, fishing, picnic and shaded playground facilities are offered at four city -owned and operated Parks. A business -friendly city government, immediate inter -modal transportation access, an abundant professional and skilled workforce, and an unparalleled lifestyle attract new businesses and industries. With more than 55,588 residents spread across its 12-square miles, the City of Tamarac is one of the densest cities in Broward County. Tamarac operates under a city commission/city manager form of government. Residents elect their Mayor -at -large and each of four City Commissioners from single -member electoral districts. The City of Tamarac employs 350 people in its various departments. Tamarac's `customer -first' orientation is a secret to the City's recent economic and community development successes. The City promises businesses and residents a professional "customer service that is second to none." City of Tamarac — Action Plan FY06 4 6/22/2005 4:34:05 PM CITY MAP Low and Moderate Income % By Blockgroup 204i111 204001, N City Urrdts 2A•8 204062 Census Blockgroup l 46.7 % Low And Moderate Income 38.7 .48.0 49.0.59.7 �oi W 58.7 .6 9.7 '., 6Q1091 1 0 1 MUles Dal a Source: Table 6 Of [op 9 Canaolldated Plan This mep la rer 0erwrel dlsplay puree -a only. May 31, 2005. City of Tamarac — Action Plan FY06 5 6/22/2005 4:34:05 PM FISCAL YEAR 2005 ANNUAL ACTION PLAN As a U.S. Department of Housing and Urban Development (HUD) Community Development Block Grant (CDBG) entitlement community, the City of Tamarac submits this proposed FY 2005 Annual Action Plan to HUD after allowing for public comment through public notice, public review, and public hearing by the City Commission of the City of Tamarac, Florida. Resources for FY 2005 (Amounts are estimates) Federal Community Development Block Grant $481,741 Home Initiatives Partnership (HOME) $112,649 Other City General Fund $ 60,000 State Housing Initiatives Partnership (SHIP) $422,978 The FY 2005 Program Year includes an estimated $481,741 in CDBG funds, and $112,649 in HOME funds. There is no program income from these funds. Other non-federal sources of funding include approximately $410,000 from the State of Florida's SHIP program and an estimated $20,000 in program income for that program. SHIP funds are allocated to housing in accordance with the Local Housing Assistance Plan (LHAP) adopted by the City Commission. In addition, the City of Tamarac includes approximately $60,000 from the General Fund available for public service activities through the Parks and Recreation Department. Activities The FY 2005 Annual Action Plan addresses the City's priorities of Maintenance of Housing Stock and Public Services. City of Tamarac —Action Plan FY06 6 6/22/2005 4:34:05 PM PROPOSED FY2005 CDBG PROJECTS Residential Rehabilitation (Minor Home Repair) $340,360 This project will provide minor home repairs to a minimum of 22 low and moderate -income homeowners who are experiencing conditions in and around the home that pose a threat to health, safety, and welfare of the household occupants. This project will be carried out on a citywide basis. This activity is eligible under 24 CFR Section 520.202(a) and will benefit low and moderate - income persons on an area -wide basis. Public Service (Senior Life Skills Support Group) $3,780 This activity will include funding for a life skills support group which provides group seminars on a bi-weekly basis to assist seniors in developing skills to cope with the changes associated with aging. Approximately 20 members participate in each 1.5 hour session. Individual sessions will be offered to each senior this fiscal year for a total of three one hour sessions. These activities are eligible under 24 CFR section 570.201(e), and will benefit low and moderate income persons as qualified under 570.208(a)(2), limited clientele. Public Service (Temporary Full -Time Social Worker) $50,340 This activity will include funding for a temporary full-time social worker to provide information and referral services to elderly residents, ongoing case management, implementation of the Senior Program and the Volunteer Program, addressing an average of 60 calls a month and managing a caseload of about 35 a week. These activities are eligible under 24 CFR section 570.201(e), and will benefit low and moderate income persons as qualified under 570.208(a)(2), limited clientele Program Administration $87,261 This activity will provide general management, oversight, and coordination of the programs. Also, this activity will provide for an annual grant audit, and provide provision of fair housing services designed to further the fair housing objectives of the Fair Housing Act, 42 U.C.C. 3601-20. These activities are presumed to benefit low and moderate -income persons and are eligible under 24 CFR 570.206(a). City of Tamarac —Action Plan FY06 7 6/22/2005 4:34:05 PM PROJECT DISTRIBUTION In accordance with the Consolidated Plan, the City has addressed certain needs within the community and distributed funds with CDBG funds in the following categories: Housing Public Service Administration Total Distributed $481,741 $ 50,340 87,261 $481,741 City Of Tamarac FY 2005 Funding Recommendations For Allocation of $481,741 Funding By Category ■ Administration M Public Services M Housing Administration 11 $87,2611 18.0% Publlc Services $54,120 11.0% Housing 340,360 71.0% City of Tamarac - Action Plan FY06 8 6/22/2005 4:34:05 PM HOME INVESTMENT PARTNERSHIPS (HOME) Broward County has been designated as a consortium in the Home Investments Partnership (HOME) program. The County receives an annual allocation of HOME funds, which is distributed among the cities participating in the consortium. These funds will enable members of the consortium to expand their initiatives to provide safe, decent, and affordable housing to their residents. With the additional HOME funds, the City can increase the resources available for home rehabilitation. An additional seven (7) homeowners can be assisted because of HOME funds. Participation in the Broward County HOME Consortium also provides advantages beyond additional funding. The consortium allows the cities to collaborate on best practices, share knowledge, leverage resources, and exchange technology on the provision of affordable housing. The ultimate and cumulative advantage of participating in the consortium is the enhanced capacity of the consortium members to provide their residents with affordable housing. The added values of quality housing in these cities include the ability to attract new businesses and working families and a reduction in code compliance issues that can translate into reduced crime and vandalism. CONSISTENCY WITH CONSOLIDATED PLAN An initial citizen advisory committee met May 4, 2005 at 9:00 AM to recommendations on the FY05 Annual Action Plan. The information from the public and updated. census data was used to identify needs, goals, and objectives for the City's housing programs. Funding from SHIP, CDBG, and HOME programs will be used to help meet the identified needs. The City Commission reviewed and adopted by resolution the 2005 -- 2010 Consolidated Plan and the FY05 Annual Action Plan. The committee and public's recommendations for the use of state and federal funding were approved. Activities proposed in this plan are consistent with the City's 2005-2010 Consolidated Plan. The City's priorities identified in the Consolidated Plan are 1) Housing and 2) Public Service. This proposed FY05 Action Plan includes projects supporting these two priorities including the housing rehabilitation program, the Fit for Life program, the Life Skills Support Group, and the services of a full-time social worker. City of Tamarac —Action Plan FY06 9 6/22/2005 4-134-105 PM OTHER ACTIONS AND ACTIVITIES Barriers to Affordable Housing The City continues to support affordable housing efforts by focusing on the grants available through the SHIP and HOME programs. By partnering with Broward County Home Consortium and Housing Finance Authority, the City is able to refer residents for home ownership counseling and lender's program as a way to negate predatory lending. The City currently has several incentive strategies for builders and developers, housing programs that target very low, low and moderate households. Incentive Strategies: • Permits, as defined in s. 163.3164(7) and (8), for affordable housing projects are expedited to a greater degree than other projects. • The City expedites the processing of affordable housing permits through a pre -application conference. • Affordable housing projects are identified by sales price consistent with the SHIP program's housing value limits. • The building and Community Development Departments have employees that serve as liaisons with developers of affordable housing to assist in the permit process. • Affordable housing projects are stamped "EXPEDITED." Fair Housing Broward County Community Development (Division) was the recipient of One Hundred Thousand dollars ($100,000) in grant funds provide by the 2001 Fair Housing Initiative Partnership ((FHIP) Grant Program. This Program is administered by the United States Department of Housing and Urban Development (HUD). The Grant went into effect April, 2003 until the contract expired March 31, 2003. The County requested and was granted an extension from HUD to extend the grant period until September 30, 2003. The County has successfully completed all Administrative and Program Tasks required of the grant. These funds are utilized specifically for the promotion of fair housing education and outreach programs. Broward County entered into an agreement with three (3) sub - recipients to administer this grant. The sub -recipients are Broward County Civil Rights Division for $35,000, Legal Aid of Broward County, Inc., for $25,000, H.O.P.E., Inc. for $35,000 and Broward County Community Development Division for $5,000 administrative cost. The sub -recipients through the FHIP Grant provided fair housing services for the benefit of Broward County's U.S. HUD Fair Housing Initiative Program, Fair Housing Education and Outreach Initiative (HUD Grant No. FH400G0148). The Fair Housing Education and Outreach Initiative activities was designed to inform the general public in the Broward County Entitlement Jurisdictions Tamarac about their rights City of Tamarac —Action Plan FY06 10 6/22/2005 4:34:05 PM and to educate the housing provider industry concerning its responsibilities and obligations outlined in local, state and federal fair housing laws. The FHIP Grant Program provided to the residents of Broward County and entitlement cities (Tamarac) the following accomplishments: • 21 - fair housing documents • 3 - fair housing videos • 2 -- developed Property Owner and Manager's Fair Housing Manual 100 pages) and Fair Housing and Fair Lending Manual (300 pages) • 1,000 - copies of booklets (Fair Housing: Equal Opportunity) • 27 — ads primarily appeared I the Broward edition of New Times, Sun Sentinel, Broward Times and the Westside Gazette • 9 - multilingual brochures • 30 — fair housing workshops 26 — fair housing outreach efforts • 3 — Affirmatively Furthering Fair Housing Technical Assistance Workshops for Broward County Entitlement Jurisdictions The City recently completed its Analysis of Impediments to Fair Housing report and submitted it to HUD in March 2004. The City will implement its Fair Housing Action Plan during fiscal year 2005. Lead Base Paint The County implements and evaluates Lead -Based Paint regulation for the City of Tamarac. Each applicant is screened through the application process by determining whether the house was built prior to 1978. All homes built prior to 1978 are inspected with the County's consultant Adviron Environmental System Inc. Adviron will evaluate the home with a Visual Assessment, Paint Testing, or Risk Assessment (or Lead Hazard Screen). The County will fund lead testing through the County's CDBG housing rehabilitation programs. The Residential Lead -Based Paint Hazard Reduction Act of 1992, also known as Title X of the Housing and Community Development Act of 1992, amended the Lead -Based Paint Poisoning Prevention Act of 1971 (Lead Act), which established the current Federal Lead - based paint requirements. The new lead -based paint regulation implements sections 1012 and 1013 of this Act. The new regulation appears within title 24 of the Code of Federal Regulations as part 35 (24 CFR 35.105). HUD has issued a new regulation to protect young children from the poisoning hazards of lead -based paint in housing that is financially assisted or sold with federal government resources. The regulation, which took effect September 15, 2000, increased the requirements in current lead -based paint regulations. The regulation does not apply to housing built after January 1, 1978, when lead -based paint was banned for residential use. It is important to note that most of Tamarac' housing was built after 1978. A pamphlet "Protect Your Family from Lead in Your Home" is given to each applicant explaining to them the effects of Lead to adults and children. All homes receiving CDBG funds that meet the criteria for Lead -Based Paint are being tested. City of Tamarac —Action Plan FY06 1 6/22/2005 4:34:05 PM More attention is placed, on eliminating lead dust and the new regulation outlines clean-up and final clearance procedures. Occupants must receive notification of lead -based paint hazards. In general, for homes built prior to January 1, 1978, all lead -based paint must be either stabilized or removed; and dust testing must be performed after the paint has been disturbed to ensure that a house is lead -safe. CITIZEN PARTICIPATION PROCESS The City held a series of public hearings to develop and finalize the FY 2005 Annual Action Plan. The first public hearing was held on May 4, 2005 for the City Planning Board to collect project proposals and input during the development of the plan. Using the public input the City produced a list of recommended projects for review by the City Commission and the public. The City then advertised a 30-day public review period to collect any additional comments and approve the plan. The Plan was available for review in the City, 7525 NW 88t" Avenue, Tamarac, FL 33321, in the City's Clerk Office. The City of Tamarac responded to all written comments prior to adopting the FY 2005 Annual Action Plan at the final public hearing on July 13, 2005. All hearings and review periods were advertised in the Sun -Sentinel. The hearing and review schedule was as.follows: Advertisement for Public Hearing with City Planning Board April 29, 2005 First Public Hearing on project proposals and input for plan May 4, 2005 Commissioner's approval and Review of recommendations with May 25, 2005 Advertisement for 30-day review period and final Public Hearing on proposed FY 2005 Annual Action Plan May 30, 2005 Beginning of 30-day review period May 30, 2005 End of 30-day review period June 30, 2005 Final Public Hearing with City Commission to approve the July 13, 2005 FY2005 Annual Action Plan City of Tamarac —Action Plan FY06 12 6/22/2005 4:34:05 PM INSTITUTIONAL STRUCTURE AND COORDINATION Institutional Structure The City of Tamarac subcontracts the day-to-day administration of the CDBG program. After a competitive bid process, the City selected Broward County to provide consulting services to implement the CDBG, HOME, and SHIP programs. The City of Tamarac subcontracts the day-to-day administration of the CDBG program. After a competitive bid process, the City selected Broward County to provide consulting services to implement the CDBG, HOME, and SHIP programs. The City will provide oversight to ensure the services provided are in accordance with all statutes, rules, regulations, ordinances, and this plan. The City will also maintain financial oversight through the payment of contractors and routine audits of financial records. The contact information for Broward County is: Ms. Suzanne R. Fejes Assistant Director Broward County Community Development Division 115 S. Andrews Avenue, Room 310 Fort Lauderdale, Florida 33301 954-357-5800 954-765-4919 (fax) Continuum of Care The City will work with the County, and local non-profit social service and housing providers to fully support the countywide Continuum of Care system to assist homeless families and individuals. Anti -displacement and Relocation Plan The City of Tamarac has incorporated and will comply with the acquisition and relocations requirements of the Uniform Relocation Assistance and Real Property Acquisition Policies Act of 1970, as amended, and implementing regulations 49 CFR 24: and it has in effect and is following a residential anti -displacement and relocation assistance plan required under Section 104(d) of the Housing and Community Development Act of 1974, as amended, in connection with any activity assisted with funding under the CDBG and HOME programs. City of Tamarac --Action Plan FY06 13 6/22/2005 4:34:05 PM CERTIFICATIONS In accordance with the applicable statutes and the regulations governing the consolidated plan regulations, the jurisdiction certifies that: Affirmatively Further Fair Housing -- The City of Tamarac will affirmatively further fair housing. An analysis of impediments to fair housing choice within the jurisdiction has been conducted and the jurisdiction will take appropriate actions to overcome the effects of the impediments identified through that analysis, and maintain records reflecting that analysis and actions in this regard. _Anti -displacement and Relocation Plan -- The City of Tamarac will comply with the acquisition and relocation requirements of the Uniform Relocation Assistance and Real Property Acquisition Policies Act of 1970, as amended, and implementing regulations at 49 CFR 24; and it has in effect and is following a residential anti - displacement and relocation assistance plan required under section 104(d) of the Housing and Community Development Act of 1974, as amended, in connection with any activity assisted with funding under the CDBG or HOME programs. Drug Free Workplace -- The City of Tamarac will or will continue to provide a drug - free workplace by: 1. Publishing a statement notifying employees that the unlawful manufacture, distribution, dispensing, possession, or use of a controlled substance is prohibited in the grantee's workplace and specifying the actions that will be taken against employees for violation of such prohibition; 2. Establishing an ongoing drug -free awareness program to inform employees about: (a) The dangers of drug abuse in the workplace; (b) The grantee's policy of maintaining a drug -free workplace; (c) Any available drug counseling, rehabilitation, and employee assistance programs; and (d) The penalties that may be imposed upon employees for drug abuse violations occurring in the workplace; 3. Making it a requirement that each employee to be engaged in the performance of the grant be given a copy of the statement required by paragraph 1. 4. Notifying the employee in the statement required by paragraph 1 that, as a condition of employment under the grant, the City of Tamarac — Action Plan FY06 14 6122/2005 4:34:05 PM employee will (a) Abide by the terms of the statement; and (b) Notify the employer in writing of his or her conviction for a violation of a criminal drug statute occurring in the workplace no later than five calendar days after such conviction; 5. Notifying the agency in writing, within ten (10) calendar days after receiving notice under subparagraph 4(b) from an employee or otherwise receiving actual notice of such conviction. Employers of convicted employees must provide notice, including position title, to every grant officer or other designee on whose grant activity the convicted employee was working, unless the Federal agency has designated a central point for the receipt of such notices. Notice shall include the identification number(s) of each affected grant; 6. Taking one of the following actions, within 30 calendar days of receiving notice under subparagraph 4(b), with respect to any employee who is so convicted: (a) Taking appropriate personnel action against such an employee, up to and including termination, consistent with the requirements of the Rehabilitation Act of 1973, as amended; or (b) Requiring such employee to participate satisfactorily in a drug abuse assistance or rehabilitation program approved for such purposes by a Federal, State, or local health, law enforcement, or other appropriate agency; 7. Making a good faith effort to continue to maintain a drug -free ugh implementation of paragraphs 1, 2, 3, 4, 5 and 6. Anti -Lobbying -- To the best of the jurisdiction's knowledge and belief: 1. No Federal appropriated funds have been paid or will be paid, by or on behalf of it, to any person for influencing or attempting to influence an officer or employee of any agency, a Member of Congress, an officer or employee of Congress, or an employee of a Member of Congress in connection with the awarding of any Federal contract, the making of any Federal grant, the making of any Federal loan, the entering into of any cooperative agreement, and the extension, continuation, renewal, amendment, or modification of any Federal contract, grant, loan, or cooperative agreement; City of Tamarac —Action Plan FY06 15 6/22/2005 4:34:05 PM 2. If any funds other than Federal appropriated funds have been paid or will be paid to any person for influencing or attempting to influence an officer or employee of any agency, a Member of Congress, an officer or employee of Congress, or an employee of a Member of Congress in connection with this Federal contract, grant, loan, or cooperative agreement, it will complete and submit Standard Form-LLL, "Disclosure Form to Report Lobbying," in accordance with its instructions, and 3. It will require that the language of paragraph 1 and 2 of this anti - lobbying certification be included in the award documents for all sub -awards at all tiers (including subcontractors, sub -grants, and contracts under grants, loans, and cooperative agreements) and that all sub -recipients shall certify and disclose accordingly. Authority of Jurisdiction -- The consolidated plan is authorized under State and local law (as applicable) and The City of Tamarac possesses the legal authority to carry out the programs for which it is seeking funding, in accordance with applicable HUD regulations. Consistency with plan -- The housing activities to be undertaken with CDBG funds are consistent with the strategic plan. Section 3 -- The City of Tamarac will comply with section 3 of the Housing and Urban Development Act of 1968, and implementing regulations at 24 CFR Part 135. Jeffrey L. Miller City Manager City of Tamarac — Action Plan FY06 16 6/22/2005 4:34:05 PM Date SPECIFIC CDBG CERTIFICATIONS The City of Tamarac certifies that: Citizen Participation -- The City of Tamarac is in full compliance and following a detailed citizen participation plan that satisfies the requirements of 24 CFR 91.105. Community Development Plan -- The City of Tamarac's consolidated housing and community development plan identifies community development and housing needs and specifies both short-term and long-term community development objectives that provide decent housing, expand economic opportunities primarily for persons of low and moderate income. (See CFR 24 570.2 and CFR 24 part 570) Following a Plan -- The City of Tamarac is following a current consolidated plan (or Comprehensive Housing Affordability Strategy) that has been approved by HUD. Use of Funds - - The City of Tamarac has complied with the following criteria: 1. Maximum Feasible Priority. With respect to activities expected to be assisted with CDBG funds, The City of Tamarac certifies that it has developed its Action Plan so as to give maximum feasible priority to activities which benefit low and moderate income families or aid in the prevention or elimination of slums or blight. The Action Plan may also include activities which the grantee certifies are designed to meet other community development needs having a particular urgency because existing conditions pose a serious and immediate threat to the health or welfare of the community, and other financial resources are not available; 2. Overall Benefits. The aggregate use of CDBG funds including Section 108 loan guaranteed during program year(s) 2005/2006 (10/1/05 - 9/30/06) (a period specified by the grantee consisting or one, two, or three specific consecutive program years), shall principally benefit persons of low and moderate income in a manner that ensures that at least 70 percent of the amount is expended for activities that benefit such persons during the designated period; 3. Special Assessments. The City of Tamarac will not attempt to recover any capital costs of public improvements assisted with CDBG funds including Section 108 loan guaranteed funds by assessing any amount against properties owned and occupied by persons of low and moderate income, including any fee charged or assessment made as a condition of obtaining access to such public improvements. However, if CDBG funds are used to pay the proportion of a fee or assessment that relates to the capital costs of public improvements City of Tamarac —Action Plan FY06 17 6/22/2005 4:34:05 PM (assisted in part with CDBG funds) financed from other revenue sources, an assessment or charge may be made against the property with respect to the public improvements financed by a source other than CDBG funds. 4. The City of Tamarac will not attempt to recover any capital costs of public improvements assisted with CDBG funds, including Section 108, unless CDBG funds are used to pay the proportion of fee or assessment attributable to the capital costs of public improvements financed from other revenue sources. In this case, an assessment or charge may be made against the property with respect to the public improvements financed by a source other than CDBG funds. Also, in the case of properties owned and occupied by moderate -income (not low-income) families, an assessment or charge may be made against the property for public improvements financed by a source other than CDBG funds if the jurisdiction certifies that it lacks CDBG funds to cover the assessment. Excessive Force -- The City of Tamarac has adopted and is enforcing: 1. A policy prohibiting the use of excessive force by law enforcement agencies within its jurisdiction against any individuals engaged in non-violent civil rights demonstrations; and 2. A policy of enforcing applicable State and local laws against physically barring entrance to or exit from a facility or location which is the subject of such non-violent civil rights demonstrations within its jurisdiction; Compliance With Anti -discrimination Laws - - The grant will be conducted and administered in conformity with title VI of the Civil Rights Act of 1964 (42 USC 2001d), the Fair Housing Act (42 USC 3601-36.19), and implementing regulations. Lead -Based Paint -- The City of Tamarac's notification, inspection, testing and abatement procedures concerning lead -based paint will comply with the requirements of 24 CFR §570.608; Compliance with Laws -- The City of Tamarac will comply with applicable laws. Jeffrey L. Miller City Manager City of Tamarac — Action Plan FY06 18 6/22/2005 4:34:05 PM Date APPENDIX TO CERTIFICATIONS INSTRUCTIONS CONCERNING LOBBYING AND DRUG -FREE WORKPLACE REQUIREMENTS: A. Lobbyinp Certification This certification is a material representation of fact upon which reliance was placed when this transaction was made or entered into. Submission of this certification is a prerequisite for making or entering into this transaction imposed by section 1352, title 31, U.S. Code. Any person who fails to file the required certification shall be subject to a civil penalty of not less than $10,000 and not more than $100,000 for each such failure. B. Drug -Free Workplace Certification 1. By signing and/or submitting this application or grant agreement, the grantee is providing the certification. 2.. The certification is a material representation of fact upon which reliance is placed when the agency awards the grant. If it is later determined that the grantee knowingly rendered a false certification, or otherwise violates the requirements of the Drug - Free Workplace Act, HUD, in addition to any other remedies available to the Federal Government, may take action authorized under the Drug -Free Workplace Act. 3. Workplaces under grants, for grantees other than individuals, need not be identified on the certification. If known, they may be identified in the grant application. If the grantee does not identify the workplaces at the time of application, or upon award, if there is no application, the grantee must keep the identity of the workplace(s) on file in its office and make the information available for Federal inspection. Failure to identify all known workplaces constitutes a violation of the grantee's drug -free workplace requirements. 4. Workplace identifications must include the actual address of buildings (or parts of buildings) or other sites where work under the grant takes place. Categorical descriptions may be used (e.g., all vehicles of a mass transit authority or State highway department while in operation, State employees in each local unemployment office, performers in concert halls or radio stations). City of Tamarac —Action Plan FY06 19 6/22/2005 4134,05 PM 5. If the workplace identified to the agency changes during the performance of the grant, the grantee shall inform the agency of the change(s), if it previously, identified the workplaces in question (see paragraph three). 6. The grantee may insert in the space provided below the site(s) for the performance of work done in connection with the specific grant: Place of Performance (Street address, city, county, state, zip code) Check if there are workplaces on file that are not identified here. The certification with regard to the drug -free workplace is required by 24 CFR part 4, Subpart F. 7. Definitions of terms in the Non -procurement Suspension and Debarment common rule and Drug -Free Workplace common rule apply to this certification. Grantees' attention is called, in particular, to the following definitions from these rules: "Controlled substance" means a controlled substance in Schedules "I" through W" of the Controlled Substances Act (21 U.S.C.812) and as further defined by regulation (21 CFR 1308.11 through 1308,15); "Conviction" means a finding of guilt (including a plea of nolo contend ere) or imposition of sentence, or both, by any judicial body charged with the responsibility to determine violations of the Federal or State criminal drug statutes; "Criminal drug statute" means a Federal or non -Federal criminal statute involving the manufacture, distribution, dispensing, use, or possession of any controlled substance; "Employee" means the employee of a grantee directly engaged in the performance of work under a grant, including: (1) All "direct charge" employees; (ii) all "indirect charge" employees unless their impact or Involvement is insignificant to the performance of the grant; and (iii) temporary personnel and consultants who are directly engaged in the performance of work under the grant and who are not on the grantee's payroll. This definition does not include workers not on the payroll of the grantee (e.g., volunteers, even if used to meet a matching requirement; consultants or independent contractors not on the grantee's payroll; or employees of sub -recipients or subcontractors in covered workplaces). City of Tamarac —Action Plan FY06 20 6/22/2005 4:34:05 PM TAMARAC FY 2005 - 2010 FIVE YEAR CONSOLIDATED PLAN MONITORING STANDARDS AND PROCEDURES The City of Tamarac Monitoring Standards and Procedures cover activities and programs funded by the Community Development Block Grant Program (CDBG). This document includes standards and procedures that will be used to monitor City funded activities in the major categories of Housing, Living Environment, and Economic Opportunities as prioritized in the FY 2005 - 2010 Five Year Consolidated Plan. The extent to which barriers to affordable housing can be removed and minority business outreach initiatives are effective will also be monitored for performance purposes. The City will monitor the extent to which its Consolidated Plan is consistent with its Comprehensive Plan. The City has contracted with the Broward County Community Development Division to monitor activities for its CDBG projects. Sub -recipients approved for funding agreements under the CDBG program are provided a Procedures Manual for Sub - recipients. This manual illustrates the standards and procedures they must comply with in order to fiscally and programmatically work effectively with the City of Tamarac. Also, the funding agreement includes, under Exhibit "C", a timetable/schedule for projects. This is comprised of specific work tasks, a start-up date and a completion date. Sub -recipients are also required to submit, under Exhibit "D", Monthly Progress Reports, chronologically detailing the steps taken to meet the quantifiable objectives enumerated in Exhibit "C". Monthly Progress Reports are intended to provide an update on a sub -recipients progress in meeting agreed upon objectives; they should include federally mandated reporting information, such as, matching contributions, contracts let to minority and women owned businesses and statistics on any relocations. In certain instances, additional information is required of sub -recipients so that Broward County Community Development Division staff working on behalf of the City can effectively engage in desk monitoring activities. Items such as environmental review documents, documentation provided by escrow/title companies, etc., necessary for determining compliance with certain policies may be requested as necessary. In-house staff monitors the timely expenditure of CDBG program funds on an on- going basis. Monthly Progress Reports, reimbursement requests and IDIS draw downs are tracked and documented regularly to ensure that HUD expenditure rates are met. If expenditure rates fall below the norm, staff contacts sub -recipients immediately to try to resolve any impediments to getting CDBG funds spent in a timely manner. If a sub -recipient cannot move forward in a timely manner due to circumstances beyond their control, funds will then be reprogrammed and used for activities where they can be expended in a more expeditious manner. The City identified the major categories of Housing, Living Environment, and Economic Opportunities as high priorities in the FY 2005-2010 Consolidated Plan. A few of the activities implemented under these categories are carried out by sub - City of Tamarac —Action Plan FY06 21 6/22/2005 4:34:05 PM recipients. The sub -recipients are generally non-profit organizations. Actions to be taken toward monitoring performance in meeting goals and objectives are as noted: 1. Staff will conduct desk monitoring during all stages of each project based on a combination of risk analysis and random sample. Documented desk monitoring includes the following: a detailed review of the sub -recipient's agreement, including national objectives, eligible activities, cost reasonableness, anti -speculation, citizen and public participation and certifications; requests for payment; ERR; procurement and contracting; acquisition; construction bids/contracts; labor standards, weekly payrolls employee reviews; Section 3; housing rehabilitation guidelines; home ownership assistance guidelines; monthly progress reports; sub -recipient agreements' closeout reports and audits. After a document such as a monthly progress report is desk monitored, the sub -recipient is notified in writing, as to whether the document is compliant or what corrective actions are needed with a date for such to be completed. 2. Staff will also conduct on -site monitoring visits at least twice a year for non-profit organizations and once a year for governmental organizations. Additionally, the frequency of an on -site visit may be based on risk analysis which takes into account the following: prior desk and on -site monitoring of both the specific project being reviewed and prior projects; the knowledge and experience of the administrative staff; staff turnover; the date of the last on -site visit; the nature and complexity of project undertaken; project revisions; audit concerns and complaints. During the on -site monitoring, samples of files are reviewed and the project sites are visited to ensure conformance with the information in the inter -agency agreement. The City contracts with the Broward County Community Development Division which employs full time housing inspectors in its Housing Development Section. Before funds are committed, the inspectors visit the site and prepare a work write-up. This includes a list of all items to be constructed, repaired or replaced or replaced. A cost estimate is listed for each item. Code violations are identified and must be included in the work write-up with an estimated cost associated with them. These inspectors conduct on -site inspections during the time that construction is underway to ensure that all rehabilitation and reconstruction projects funded by CDBG funds comply with City Housing Codes and Housing Quality Standards. Funds are not released until the project has passed a substantial completion walk through and a certificate of occupancy is issued. County Monitoring Unit and Fiscal Management Section staff, on behalf of the City, carry out periodic monitoring and evaluation activities as deemed necessary. Fiscal monitoring is conducted at least twice a year for every non-profit sub -recipient. At least one fiscal monitoring visit per year is conducted for each governmental sub- , f City ofTamarac—Action Plan FY06 22 6/22/2005 4:34:05 PM recipient. Fiscal monitoring visits cover the following: 1. Financial management of governmental activities will be reviewed for compliance with applicable requirements of 24 CFR 85.20 entitled "Standards for Financial Management Systems"; CFR 85.26 "Non -Federal Audits"; CFR 85.42 "Retention and Access Requirements for Records". Financial requirements for non-profit entities will be reviewed for compliance with requirements of OMB Circular A-110, Subpart C, Sections 110.20-110.28 and 110.50-110.53 on Financial Management Systems. 2. Procurement procedures will be examined to determine compliance with CFR 85.36 (governmental entities) and OMB Circular A-110, Subpart C, Sections 110.40-110.48 (non -profits). 3. Cost allow ability will be checked by a review of expenditures for compliance with the sub -recipient agreement and OMB Circulars A-87 (governmental entities) and A-122 (non-profit organizations). 4. All sub -recipients expending more than $5,000 of grant funds from the City are required to provide an organization -wide audit prepared by an Independent Certified Public Accountant licensed by the State of Florida, in accordance with Generally Accepted Accounting Principle and OMB Circular -133 entitled Audits of States, Local Government and Non -Profit Organizations" as applicable. This report will be used as an essential tool in the monitoring of sub -recipients. 5. Prior to receipt of any grant funds, new recipients will be visited to ensure that they have an adequate accounting system in place with proper controls to account for all grant funds and to safeguard City assets. Programmatic, on -site monitoring will be conducted at least twice a year by Monitoring Unit staff utilizing both fiscal and programmatic monitoring checklists. These checklists are an attachment to the Monitoring Plan. Additional monitoring visits may be conducted if needed to review non-profit sub -recipients. Governmental sub -recipients will be monitored at least once per year. Monitoring visits may be conducted for new sub -recipients when they are initially funded. City of Tamarac — Action Plan FY06 23 6/22/2005 4:34:05 PM They will also be monitored once sufficient progress has been made with their scope of services so that a valid judgment can be made, yet early enough to avoid major problems. Monitoring Unit staff will: 1. Analyze sub -recipients to determine strengths and weaknesses. 2. Monitor actual performance against the activities timetable in the sub -recipient agreement. I Make sure all documents/reports are submitted to the Community Development Division in a timely manner. 4. Review client files for eligibility as applicable. 5. Ensure that corrective actions are taken to resolve deficiencies in program weaknesses. 6. Ensure that sub -recipients are engaged in minority business outreach efforts and comply with equal opportunity requirements. 7. Ensure that activities funded comply with the City of Tamarac Comprehensive Plan. Following the monitoring visit, a monitoring report listing the results of the visit is submitted to the Division Director for his comments. This report will include all findings, concerns and corrective actions. Once the Division Director has had the opportunity to provide his comments on the monitoring report, a Monitoring Letter is presented, to the sub -recipient under the Director's signature outlining findings, concerns, and specific recommendations for improvement along with accompanying deadlines as appropriate. At the end of each year, effectiveness reviews are done, comparing actual accomplishments in each of the Consolidated Plan Priorities with projections in the Annual Action Plan. City of Tamarac — Action Plan FY06 24 6/22/2005 4-134-106 PM /_1» 2I1",1 Q :fl PUBLIC NOTICE City of Tamarac —Action Plan FY06 25 6/22/2005 4:34:05 PM Fj r �a a fig �crt4 Sig n a v H r rt k N hf :i o 1+- M 1, m�m.offin ae n g3k a- s` �m 26 iNIml. PSol 8:CrL ' a im mm�mpN CL 3 m m�0C. 1-0 $3 IO a� w w mp m. -- � o WE 106 O0w-ncZc =pc-«' r—gy m am 7�� 0 ago wm G y :. 9NDS &mm7�mR mna� m na rn� n ��y cw ai2cr G�'c+ a n�nm � m'?�•c "4m�rnm�� co 3� �ao�a 13) is s m aT aa to j u am m 1 , oHy CL rp �ninm� 0a9�tm�- • �eea�e 0 -i DI 3 z 0 CL R NII CL 0 C a IA 0 :1 cr I cr 11 3 a 0 a Z J1 cr V 0 a 0 2 W %;z 5 0 CL 0 a 0 4 0 a _n u :r 0 E c c ju a Is 0 __ = i CL = 13 a a a 0 0 — 0 C 63 ..2-00—cr Im v 51 T — c 3 w * (on 0 0 n CL (D Iwo 0 CL w c rr to a 0 zr cL to a =r CL w 0 0 0 n 5 ZE 0 0 0 to E 0 c m w 0 CL 0 cr = 0 m V cr 0 CL a :? ch SL .0 0 0 0 c -0 0 — C = CL n a CL :c Iz\ -m a 'a 0 3 — :r — 'IC g 40 0 CL P, I i; m IN a w CK Eck- C, 0 w rw Z — % a a cr 0 2L 06 .0 M 0 < CL a m 0 r 0 03 -n 0 0 CL 0 (D :1 to 3 w CL (D (D M 0 C) IV 0 = a 0 0 0 0 c -n 0 n -n 0 q CL m U) a C cr Z m CL Z M r- g ;I b; Osj _n ere 8 �Bo CD. Of ca CR 90. cy "a -n 5. C 0 CD (0 .(b P A�Rl Qt w . to,? 93.1 51 _6 . - _8 .0 9 . .1 CD 0 CA@ ?L V..0 14 5' 2E. C) An Er CS -W4. all Lmoeq.. Ch to g c CL,�, o L -Oo co R SO tram cp T =A H.1 9� >. 2 9, . T- 1 0. ::z _'m U A al - a, F I - I 0 1 1 C-)Vgl Al IF 4- ;I ti 0) EL 9N -� M 3 4p p HIS EZ CL e RL 0 F. AO d= Fin 1.19 ? V, W I -al FLFL =rm If SIP CY C11 7& UL eLs , S. FF oil It If A Cr W CA 10 APPENDIX II APPLICATION FOR FEDERAL ASSISTANCE (COMMUNITY 2020) City of Tamarac — Action Plan FY06 26 6/22/2005 4:34:05 PM APPLICATION FOR Version 7/03 FEDERAL ASSISTANCE 2. DATE SUBMITTED Appplicant Identifier 07/30/05 B-05-MC-12-0046 1. TYPE OF SUBMISSION: 3. DATE RECEIVED BY STATE State Application Identifier Application Pre -application V Construction Construction 4• DATE RECEIVED BY FEDERAL AGENCY Federal Identifier n nstru i y n N o stru I S. APPLICANT INFORMATION Legal Name: Organizational Unit: City of Tamarac Department: City Manager's Office Orrgganizational DUNS: Division: 077270940 Community Development Department Address: Name and telephone number of person to be contacted on matters Street: involving this application(give area code) 7525 NW 88th Avenue Prefix: First Name: Mr. J. ittyrnarac Middle Name Chris County: Last Name Broward King Z33321 Suffix: Flotrida Country: Email: U.S_A. chrisk@tamarac.org 6. EMPLOYER IDENTIFICATION NUMBER (EIN): Phone Number (give area code) Fax Number (give area code) _ (954)724-1290 (954)724-2453 6. TYPE OF APPLICATION: 7. TYPE OF APPLICANT: (See back of form for Application Types) F New 171 Continuation ([- Revision Municipal If Revision, enter appropriate letter(s) in box(es) See back of form for description of letters.) ❑ ❑Other (specify) Other (specify) 9. NAME OF FEDERAL AGENCY: 10. CATALOG OF FEDERAL DOMESTIC ASSISTANCE NUMBER: 11_ DESCRIPTIVE TITLE OF APPLICANT'S PROJECT: TITLE (Name of Program): 12. AREAS AFFECTED BY PROJECT (Cities, Counties, States, etc.): Tamarac. FL., 120110601.033, 120110601.012, 120110601.011, 1201105.029 13. PROPOSED PROJECT 14. CONGRESSIONAL DISTRICTS OF: Start Date: Ending Date: a, Applicant b. Project 19 lig 1S. ESTIMATED FUNDING: 16. IS APPLICATION SUBJECT TO REVIEW BY STATE EXECUTIVE ORDER 1237Z PROCESS? a. Federal THIS PREAPPLICATIOWAPPLICATION WAS MADE Yes. 481,741 a. AVAILABLE TO THE STATE EXECUTIVE ORDER 12372 PROCESS FOR REVIEW ON DATE: No. PROGRAM IS NOT COVERED BY E. O. 12372 OR PROGRAM HAS NOT BEEN SELECTED BY STATE b. Applicant c. State w d_ Local b. e. Other REVIEW f. Program Income 17. ..LQR IS THE APPLICANT DELINQUENT ON ANY FEDERAL DEBT? 0 Yes If "Yes- attach an explanation. fO No g. TOTAL 481,741 • 10. TO THE BEST OF MY KNOWLEDGE AND BELIEF, ALL DATA IN THIS APPLICATION/PREAPPLICATION ARE TRUE AND CORRECT. THE DOCUMENT HAS BEEN DULY AUTHORIZED BY THE GOVERNING BODY OF THE APPLICANT AND THE APPLICANT WILL COMPLY WITH THE ATTACHED ASSURANCES IF THE ASSISTANCE IS AWARDED. a. Authorized e r n ive Vefix FirsName Middle Name Jeffrey L. Last Name Sufx Miller b. Title c. Telephone Number (give area code) City Manager's Office 954 724-1230 d. Signature of Authorized Representative e. Date Signed 07/30/05 rrevious Coition usaole Authorized for Local Reproduction Standard Form 424 (Rev.9-2003) Prescribed by OMB Circular A-102 �~ E CL a e » e ■ 0 2 _2 ® IL cto. $ CL 0 E IL _ U o c CL S S © � ■ � CL e in o 0 00 0 a R ®® - CD Gs / 2 _ _ _ v B ) 2 CD < \ o � < � \ } j } § / . . � k 2E } �% 0 k �J Crto 0 2 CL ƒ < G q / n k � . 2 } 2k 2 LU f�� } �)40 {k . % 2■ §#s z �§z f � t2 w § �22 E 7g 0 >.0 /■2 �k % CL/ dk§ 2K < S®s & LLJ \)CD ƒ� �22� E <� > k§� / a § b2 13L 0 $ 0 $ f o 2 � @ 2Cn. a CL a— 2 Ln � k � 2 § R R 3 ƒ � } j 2 k \ R ƒ K £ k e $ / o \ k k 2 e E CL 0 e » e ■ � v 2 2 � � a CL a qm ® ■ c 'o 0 CL o c VL � o _ � U o 4- I c CD _ � � m A e O � 6 40 � 4 v $ � / $ e k % LL o LLJ < R. # < 3 m § m 2 ? a. m U. 2 / � . �kCL k t o § kk � e ■ 2 �2 s ƒ - a _ § R 0 < iTu � \ 2 \ k gym ( 0 �k� co 7�7� w I \2§ ,n e »�■= 2§2 D a &I� §7& a 0 666� mo no § $2ff CJ t::, -sow � Ekb �Z .2 £2§< o$5 P.§ <2-w£ v� *�§/ LL g F- ��fk /k�§ @ \ /e*; CL O 2 B4-« 0 a 0 § � � e k q $ � $ / 0 C ® 0 G � � . a E 8 5 0 k 2 k \ / C E LO k \ 2 k k \ � k § 3t 2 e E CL 0 e » e O E 2 � a 0 CD ® e c 'o 0 CL 0 0 0 c A 0 o _ C c CL � © C.) � ■ O � 0 0 0 0 C. 0 co - An - au ® . Cl)n � o k m $ 2 § < 0 2 -5 2E 2 0 a. / w ? 2 2 � E _g o E § � § g > C y 2 v 2 Q 3 a cm _ < 6 = � U A ■ o § _. ® D k \ \ £ 77 - U) »»3r 0) to ® $ § LL $ c = E_Eo CL k £§\\ \% a 7 �ff� § 0 0� k § /�k0 $% % -= o 3 e e \&£ _a Ca- CL;■ kEf k / \ ' \ AJ«a CL O 2 og � 0 m . � o CD\ $ q � ƒ k 0�. 2 co 2 E f o = § k . � A � E � k = G d CL O a d 0 •a.. c C qOj d 10 a _CD 'o a C = CL O O a it O c a = O .- ... 0 O 00 to CL c � U a Q. 0 Ca S7 CS C7 C © C] 4O u7 eH b9 w 0 0, ... C O C lL U. uJ � ¢ 0 o C7 0 o 0 H 0 c> w = r to r c 0 C N 1 d a E � E �- E o v a at a` L 4 � r � p C m g a m ¢ n in a � a o m 7 a � � U t C, .C, o c 0v ti d � atl G a ¢ 0 r- z co 00 O o c O e ` c A d O m a y E a v, « L CL W c m m — ao o Z .� td CO a M c i -wq 6 09 CL (oy 41 C '� 4 N ia m Vi Q 'a t O) c Q U H ¢ ¢ _= Ana Q_ y r 4 O1 `n c y L' to Gt M c !n rO vi c O E � _CD CL O cr a U r � ci .w 4 Q O C? d a Qa e cn 0 0 A p a � m E 0 U m E E ID 0 C7 Cmi z Z -4 Z O - :6 m Y m 0 CT 5 0 S m W CO J 2 ■ E CL 0 e � » e e � c c to _e CL 4) ® e o CL 2 0 o c IL � o _ _ v o a. -0-c — @ U I-- E � A e � � � 0 0 0 0 \ to — - k - co k e � © 2 0 � C. � # q \ / ƒ / . ui . .0 . ®§ _� - 2 E § § q § 2e§ . kc 0 . CY « �_ G _ < 6 - _ Q m G 2 k £ . .A Q � � k Z3 § \2 . K kfE § �< 222 CO 2 2 �) m0 z o=�i ��■ . c 34° o >f% 770 •0 CL § . $ damƒ in 2 2 I CL CL _JU [ $ �40 \ d '< %\ &> < 3=ee _en _ 2kCl. - / v Er» � 2 s b Q/ EL 2 / &/ f } % ® . _f �ff _n 2k � G § 2 CL a e 9 . APPENDIX VII ANALYSIS OF IMPEDIMENTS City of Tamarac Consolidated Plan 2005-2010 46 6/6/2005 2:58:57 PM CITY OF TAMARAC 5-9 • -W n a 0 ANALYSIS OF IMPEDIMENTS TO FAIR HOUSING CHOICES Prepared by: Community Redevelopment Associates of Florida, Inc. (CRA) 8527 Pines Blvd., Suite 105 Pembroke Pines, FL 33024 Submitted to: Florida State Office of the Department of Housing and Urban Development February 2004 ANALYSIS OF IMPEDIMENTS TO FAIR HOUSING CHOICES CITY OF TAMARAC, FLORIDA 11 Conducted by: Community Redevelopment Associates of Florida, Inc. (CRA) 8527 Pines Blvd., Suite 105 Pembroke Pines, FL 33024 Ph: 954-431-7866 Fax: 95.4-431-6882 February 2004 Table of Contents Introduction.................................................................................................................................. I Summaryof Analysis....................................................................................................................2 Identification of Impediments to Fair Housing Choice.........................................................3 Summary of Analysis of Home Mortgage Disclosure Act Data............................................6 Planof Action...........................................................................................................I.................19 The City of Tamarac, Florida: Background Information.....................................................22 Race and Ethnic Profile of Tamarac.......................................................................................24 Age and Income Profiles in the City of Tamarac..................................................................25 Employment in the City of Tamarac.......................................................................................27 Transportation in the City of Tamarac..................................................................................28 Schools in the City of Tamarac...............................................................................................30 Housing in the City of Tamarac..............................................................................................3 3 City Government in Tamarac...................................................................................................3 7 Procedures for Handling Fair Housing Complaints...................................................................3 8 Analysis of Impediments to Fair Housing Choice......................................................................41 Conclusion................................... ................................................................................................. 46 ANALYSIS OF IMPEDIMENTS TO FAIR HOUSING CHOICES CITY OF TAMARAC, FLORIDA INTRODUCTION As an entitlement jurisdiction. receiving Community Development Block Grant (CDBG) funding from the U.S. Department of Housing and Urban Development (HUD), the City of Tamarac, Florida is required to "Affirmatively Further Fair Housing" (AFFH) within its jurisdiction. This requirement, along with an action plan designed to address any impediments identified, should be part of the city's Consolidated Plan submitted to HUD. According to the U.S. Department of Housing and Urban Development, Fair Housing Planning Guide, Volume I, Chapter I, page I -I (hereafter, the Guide), "Provisions to affirmatively further fair housing (AFFH) are principal and long-standing components of HUD's housing and community development programs. These provisions flow from the mandate of Section 8o8 (e) (5) of the Fair Housing Act which requires the Secretary of HUD to administer the Departments' housing and urban development programs in a manner to affirmatively furtherfair housing." The Guide added that "the extent of the AFFH obligations has never been defined statutorily. However, HUD d fines it as requiring a grantee to: Conduct an analysis to identify impediments to fair housing choices within the jurisdiction. a. Take appropriate action to overcome the effects of any impediments identifi'ed in the analysis 3. Maintain records reflecting the analysis and actions in that regard," (Tbe Guide, p.z). For all entitlement jurisdictions, the following are the objectives of AFFH (The Guide, p.3). Analyze and eliminate housing discrimination in the jurisdiction. • Promote fair housing choices for all persons. • Provide opportunities for racially and ethnically inclusive patterns of housing occupancy. • Promote housing that is physically accessible to, and usable by, all persons, particularly persons with disabilities. • Foster compliance with the nondiscrimination provision of the Fair Housing Act. Further, to accurately measure a jurisdiction's success at AFFH, the jurisdiction must identify any action, by any entity, that would restrict fair housing choices within the jurisdiction's area of authority. Known as the Analysis of Impediments to Fair Housing Choices, this activity should identify "any action, omission, or decision taken because of race, 1 color, religion, sex, disability, familial status, or national origin that restricts housing choices or availability Of housing choices," 'Including any action, omission, or decisions that would have this effect (The Guide, p.8). In identifying and analyzing the barriers to fair housing choice 'in Tamarac, this Study realized that the barriers, as well th.e city's racially segregated housing market, are only reflective of similar problems across Broward County. The residents of the County are very mobile because of the geographic and functional linkages and interactions between places or locations in the county. A major Implication of this mobility is that both people's problems and assets cut across geographic and administrative boundaries. Zeroing on housing segregation, for example, this analysis found that the diverse and complex reasons responsible for segregation are, to varying degrees, historic, economic, physical, political, social and even personal (individual choice). What is more important to recognize, however, is that fair and equitable access to housing is pertinent for a healthy, viable and harmonious community, economy and people, thus rhe need to ensure equitable access to housing choice for all residents. The recommendations made in this study are intended to convince, motivate and encourage local governments, housing providers, housing financiers, housing advocates and consumers themselves to work mutually together to enhance equitable and fair housing access in the region. The recommendations are meant to provide a practical basis for eliminating various types of impediments to housing choice. Ultimately, eliminating the barriers to fair housing choice will improve the quality of life for all income groups in Broward County, and make the region an attractive place for individuals, families and businesses. As the CDBG program administrator for the City of Tamarac, FL, Community Redevelopment Associates of Florida, Inc. submits this "Analysis of Impediments to Fair Housing Choices" in the City of Tamarac, Florida. SUMMARY OF ANALYSIS For all practical purposes, fair housing access is arguably a legal, moral and economic Issue. Ensuring fair housing access is critically important to the overall health and wealth of individuals and the communities they live in. It Is in this respect that an analysis of the impediments to fair housing goes beyond cataloging "illegal actions" by individuals. and institutions to deny people their right to fair housing, to gaining useful insights into the causes of the barriers to fair housing, and developing a pragmatic action plan to address the barriers. An analysis seeks to *identify those systemic or 2 structural issues, which limit the ability of people to take advantage of the full range of housing which should be available to them. Broward County and its municipalities, including Tamarac, have taken substantive measures to expand the housing choices of their residents, through programs such as downpayment and closing cost assistance, to large scale neighborhood redevelopment plans. This analysis is a comprehensive evaluation of the barriers that still exist, in spite of these programs. This analysis does not pretend nor intend to address all the complex and intertwined problems that deny people equitable access to housing choice, nor segregate them geographically. However, it recommends specific measures to combat the identifiable barriers to fair housing choice. IDENTIFICATION OF IMPEDIMENTS TO FAIR HOUSING CHOICE In the process of conducting this analysis, CRA conducted a series of ' surveys and interviews with key housing providers in the public, non-profit and private sectors in Tamarac and Broward County, as well as housing advocates, lending agencies, professional real estate organizations and civil rights entities in the area. The depth of insights shared by these entities complemented the statistical data collected from public and private sources for this analysis. This study identified some impediments to fair housing choice in Broward County, and by extension in Tamarac. These impediments are summarized in Table I, along with practical observation on each impediment, and the initiatives recommended to address the impediments. Table I Imnedir I. Very limited to inadequate knowledge of the fair housing law and its application at the municipal level is to Fair Housing Choice in Tamara c W 2. Neighborhoods in Broward and Tamarac are starkly segregated by race 3. There is increasing public prejudice against the eliminate any identified impediments. c. There is a general scarcity of literature and publicity materials on Fair housing law and programs at the local level. a. Most people live in census tracts which arc either overwhelmingly White, Black or White/Latino. The number of Blacks living in the county increased between 1990 and 2000, but most of the new residents moved into areas that were either already predominantly Black or experiencing a decrease in the white population. b. The historic Black neighborhoods are not attracting new residents of other races, even where redevelopment efforts are underway. c. facially segregated neighborhoods are fuelled by deliberate acts of "steering' by realtors and mortgage lenders. d. Condominium and home owners associations are often reported by the local media for discriminating against minorities, seniors, families and the handicapped. a. Broward is becoming more culturally diverse, as evidenced by over 163 different languages spoken in the school system. agencies that provide fair housing education, training and technical assistance, such as H.O.P.E., Inc. and Florida Housing Coalition, Inc. a. Continue to explore and support local regulatory and financial incentives that encourage housing providers and buyers to embrace racially mixed neighborhoods. b. Establish new mechanisms, or strengthen existing ones, for victims of "steering" and other forms of discrimination to report their experiences. f Establish on -going communication and collaboration with neighborhood associations, through newsletters and other media, to reinforce the message of fair housing, and how to prevent its violation. g. Solicit the support of the local media to freely disseminate information about fair housing and its advantages for the community. f. Collaborate with the real estate industry professionals to explore effective ways to investigate the increasing number of complaints in the county. g. Provide financial, incentives for homebuyers who make pro -integrative moves. h. Encourage strong affirmative marketing programs for all housing developments using federal/counry/city funds. i. Encourage mixed -income and mixed tenure (rental and homeownership) developments, especially when tax credits or other subsidies are used. j. Support pre -purchase counseling and down payment assistance programs to improve home ownership opportunities for low and moderate income homebuyers. d.. Support a campaign to convince local legislators that "source of income" must be added to the local fair housing legislation as a protected class. a. Assist entities, such as Broward Coalition for the Homeless and PTAs, to disseminate information about cultural 4 poor (Section 8), Incidents of frictions between these groups seniors and the in the schools are likely to affect disabled. neighborhood choice by parents. 4. Families with children face exceptional hurdles in finding adequate housing in areas they desire. 5. People with physical disabilities face exceptional hurdles in finding adequate housing in areas they desire. 6. The homeless in Broward face very complex problems that make housing a difficult need to meet. 7. Lack of an efficient public transportation system affects poor people the most. a. Reports of illegal discrimination on the basis of familial status (the presence of children in the family) are common in both the rental and owned housing markets. Some of the housing discrimination complaints filed from 1998 to 2002 were by large families victimized by discrimination. a. There is an acute shortage of housing for the physically disabled. Most accessible units have been built since 1990 and are in areas of recent growth where housing costs are beyond the reach of the poor and disabled. a. The homeless people needing emergency and long-term assistance far exceed the capacity of shelters and facilities to meet these needs. b. There is inadequate resources for the vast needs of Broward's homeless, especially the chronically homeless. c. Services for the homeless tend to be disjointed and uncoordinated, leaving some people between the cracks in the service - delivery system. d. The most basic of housing is too expensive for most homeless people, who must spend their limited resources on many critical needs (transportation, food, etc. a. Estimates show that about a fifth of the very low to low income families spend up to 40% of their incomes on transportation. b. Rising housing costs forces low income families to move farther away from jobs to find housing that they can afford. c. The lack of a regional transportation system in Broward County substantially limits the housing choices of those who need or rely on public transportation. tolerance and neighborly relations among Broward's cultural groups. b. Support cultural events and activities to promote cultural awareness and tolerance. a. Support and promote initiatives, incentive and programs to provide adequate housing for families with children. b. Document and disseminate information about programs that assist large families to meet their day care, transportation and other basic needs. a. Explore opportunities to revise the zoning ordinance to expand the areas in which congregate living facilities are permitted. b. Support the use of alternative dispute resolution -to mediate disputes between neighborhoods and service providers. c. Encourage housing providers to explore creative design features that can benefit eo le with physical disabilities. a. Support the Corporation for Supportive Housing (CSH), the National Alliance to End Homelessness (NAEH), and the National Alliance for the Mentally Ill (NAMI), especially their Housing Plus Services strategy to end long-term homelessness in 10 years, called the Ending Long-term Homelessness Services Initiative (ELHSI). b. Collaborate with the Broward Coalition for the Homeless to design and implement a county -wide plan for services to the "chronically homeless." c. Participate in county programs and grant applications to provide homeless services. a. Support advocates pushing for a more efficient and networked regional public transit system. 5 8. There is generally a lukewarm political support for the fair housing law across Broward County. a. There are hardly municipal ordinances, except for a few resolutions, articulating and enforcing the fair housing law. b. The mechanisms or processes for reporting and tracking fair housing violations are very weak or non-existent. c. There is no concrete evidence of the resolution of the few cases of fair housing violations reported or documented by the main HUD and local offices tracking the violation. a. Continue to push and advocate for the local officials to pass a fair housing ordinance, with specific implementation guidelines. b. Continue to push for the establishment and/or strengthening of county -wide processes for reporting and tracking fair housing violations. c. Provide or allocate resources for municipal staff and elected officials to attend local fair housing conferences, seminars and workshops. d. Invest in the purchase and dissemination of fair housing literature for municipal staff and elected officials. SUMMARY OF ANALYSIS OF HOME MORTGAGE DISCLOSURE ACT DATA An analysis of the Home Mortgage Disclosure Act (HMDA) data for the City of Tamarac is best conducted within the context of a broader analysis of the impediments to fair lending for home purchase and refinance loans in Broward County. The time frame for the analysis in this study is 1999 to 2001. Data are presented for Tamarac on the percentage of all loans that are Federal Housing Administration (FHA) loans, the percentage of all conventional loans that are subprime loans, and the combined percentage of all loans that are either FHA or subprime for the census tracts within Tamarac. These data are presented for the racial and income census tract groupings in the city. In these groupings, the data are presented for white, African -American and Hispanic borrowers. Data are presented separately for home purchase and refinance loans reported in the HMDA data for 1999 through 2001. There are only four census tracts in the City of Tamarac. They are census tracts 204.01, 204.02, 503.02 and 601.01. Census tracts are defined as within Tamarac if more than 50% of the area of the census tract is in Tamarac, or if the geographic center of the census tract is in Tamarac. Figure I shows the census tracts in Tamarac. It should_ be noted that, because of the configuration of the 1990 census tracts, some parts of Tamarac, which are covered by tracts that are predominantly in Lauderhill and Sunrise, are excluded. Three of Tamarac's four census tracts are minority census tracts, making this racial/ethnic group generally the best focus for comparisons. Racial and ethnic P rA { rl • y�am??' 2: m? +. .......'ic:' 2 • • concentrations are defined as white (Anglo) tif less than 25% of the population is defined as any minority. Areas are defined as racially diverse if tile population is between 25% and 50% minority. Areas are defined as predominantly minority if the area is more than 50% minority. In most predominantly minority tracts, the largest minority population is African -American. Tile 1990 census tract areas used for the HMDA data are updated with 2000 census population data. Based on this classification, tilts analysis found that, across the City of Tamarac, for home purchase loans in all of the racial/cthnic groupings, African -Americans consistently have higher levels of both FHA and subprime loans when compared to whites in the same groups. For refinance loans, over 60% of all the loans'are in the two (2) moderate- to middle -income minority census tracts (80% to 120% of the area median family income). In this group, African Americans have higher levels of both FHA and subprime loans when compared to whites. Table 2 presents the data for home purchase loans for all of Broward County. Table 3 presents the data for home purchase loans in tile four census tracts that are in the City of Tamarac. Table 4 presents the data for refinance loans throughout Broward County. The data for refinance loins in tile four census tracts that are in Tamarac are presented in Table 5. The pattern of mortgage lending disparity "in Tamarac and elsewhere in Broward County is better understood within the broader historical context of the problem. Historically, different ethnic and racial groups have encountered barriers to full access to home mortgage lending. Typically, these barriers were identified by higher rejection and failure rates for loan applications. In other instances, ethnic and minority groups have been steered to government-tinsured FHA loans when they could have qualified and benefited from conventional loans in tile private markets. The Federal National Mortgage Association (Fannie Mae) and the Federal Home Loan Mortgage Corporation (Freddie Mac), the two federally -chartered secondary market enterprises that stimulate the mortgage markets by purchasing loans, are charged by tile government with reaching specific goals for serving both affordable and minority housing markets with conventional loans. This indicates the clear policy goal of reaching as many borrowers as possible through tile private conventional markets. More recently, as the market of subprime lending has grown, studies by the U.S. HUD and other researchers, as well as many lawsuits, have raised the concern that ethnic and racial groups have been unfairly steered to these higher interest rate products when they could have been served by either conventional prime loans or FHA lending. Thus, the key concerns presently raised about barriers to fair lending include both the impediments to access to conventional prime loans and the infusion of FHA and subprime lending into minority markets. Accordingly, this analysis of barriers to full 8 0 -i -i 1 a a a a .1 -i --1 -1 -i d m a a --I -1 -•I a m 'm a cA'i d w 3 a a m n n n n d n n n n n p z n n n n n n n n i :7 GCi GCi F GGGri +• GG G C GGGG m n. r o o r o o r iv33H a°,aN $333 a33y 'a �ooSr m cootono0 9 m A co Ln M gzf zR� Trdp;F7 ' m *0 WC, 7 S o in o S' a a 8 0 S o d leaRO ��0 aRaR aRe0 +� .p.. ^ -n G $ nT $iT T.-n M — C A V W tD N V N m O O N W V A w CDN coV toN �„ O O N u' W a q 3 n N N� t .r � ( z �yA t ara ooer�� rn aow nWi r c C .a .�+ W .+ V NN� N t P V totppl 0� I tv W V V N b S Q N fO co(n A N WI IMO1 to rnN 4 C" i 1 W M N Of CA I Z W A P W I QI O Z � N V fJ1 2' A Yl yp � {7 W W W pW� N O Af En Ln i V ; Q! co cp 1 cn o v °`n~ Ih QDNOI V IZC w 2.0 7 m En O 41 Ln 1P O W W � CD f41 1D t, NI lD -+ Q� a A A O A w A V tD A N ... N W W t t ... Ln N tv IZcrno a +z o °v rm �aw(�wo cn t NI n»a z -�w n n R {O tl0 V A o W NM I.I W (O to r n 4n N 01 n ..� n m C O 1 lNll I p0 IV N tJ'� b i7 Ln cc��� Oa co W P P ppN p�p�� O AI P.p�� (A A U� w lA �1 Q � a� 7p � � N P co V V i O O C7 V V' V (tl b© 0 y� -� Oa C (� .pr, m x V OD Nl 1 Z V OWW W l7p�Dl �I .N.� Ol z U, M cn Z ."�' _ Q r "n n �p 4NaOWf o➢oAih Ql' V W rVj y G CN'7AP� 7pp nra n� r ? { 1 C O 1 $r0 " ry 'o '+%sacn 1z n ^'i mww x o arozz �a am p CA ivaain �w inl°DW� US 0) mrn oNCNEn a a � ? I I N I SO 1 0 n _ N W A W cD (WT IN I NAW Z' V C. In �1 _ W N W N P Z N A N A A z z P ID Yt -. p 7 iou.Jlin N Iy.+m4n AI 4JD W O 41 a9 (O 2� •• v w ao 1 -4 w *Lnw :I w u� ^1 o 2 �. in6oipw C W A m b V 1 V W m C. 1 micA V V P N A t0 V W w W 61 n O J p rj n 0 V (.1N Od 10 0) En N wl N N 2 O L" A tD '4 O P I 1 roa Izi;NW 1Ain0' wI I A�� z r+vN+zz 5 „a ° � a N Cl co N to En n C1 tqwA Q1 N cn ti CD p sm �3 a 3 m 1• rt t I m 1 I cr .a�NN N i NN V z A /C Ni P N— P C CG Z C C Z z V n� O n OD (JD o)o)-4 : bl 4.b, OD 3 �; 0) W P 0 V t. O P C V I W W CO lT 1 I N A AL" toN OaO A N I A A uh ZW CoP t/f Q W z OD CID zz C^ r p 1 p z n p a m er d 01 a G m n n n n 5; n n n n nnn GGGG d � c�oan 00 m a coo � m.3 tony N 'C N dCe q y a N d d *x� ci O S o a O ON D D o = 0 0 cn C CD c3 pCD Co (a7p ti O 2. T 21 M 'T1 0 '11 .2, M T� ar? -n Tu.�-n QW 0 A ON-0 w .0-0 o Q o r N � I 1 r c A Q�I Q W co I V o (p ION�o (p to WI ppff A a Lro 0 400O Q d Q 7 N m zmcz rn Iz�mz t4l z,(NJz z (Nik z z z z Z r r+° °•p s aW „a W IaNcD ZnI a�na vaaa a yon3 1 C °v� to Izm0z i iih w p• r o �•° a m ;z zwz z xzzz z m aWya N Ian-4� I WI I agea aWaa a Wm w 1 O r ZaZ IZt9z l vIz L (nz z n� zp 2•° a�wW?a1. w1 I aa�a aWwN L —,j I I Qpp pp l0m20 p1 c ,� � o WNo N 1 0 Ln o ccn oOd O Q �•Q,W 1 1 I zLnCDz w lz oaz W1 z V z Z Nw zZZZ z r m - 'n ° Ib OR aWI a i" 1'v�0a �I a�aa M aaaa a g =R I 1 I I n °Vo �r � za,p F: en iz v(wz CO zzzz z =0 O n p a�w ci; laln"'�a �I awa w ppba a m w A 1 1 I " H p 1 1 °gip zpAiNz pp A lzz zzzz z -n=-o p �Wa IaN�a AlaWaa w aaaa nm a I 1 n` 1 we wN CD I wti I g ppp1t o C7 N o W I o N N o A I Q (D 00 (6 0 o 0 0 o N I ! tid ZcntNnZ �•+- IzrouNiz N zi"Z'� � z2Zz z m ° � n y 1 A �a � jan,Sl:a Nj aWaa m . . . . p .y a m 1 I c o m 1 IzQu�z 1 41 N v rim =•° CU z-+az aWga Q g I�waa ZNz z aWaa w zz.Zz ��ab z a o � ° m'e o 1 • Wl I "' E Ip °v rm 2OIOWIz W 1ZinOW1 Ian WI zNZ Z Ln N 2'Zz Z z -n Ew a p wl ��p a 0 aapp . a� o a a d -i Z R m n w @ CL m m w -i -� -� 'm a a a n &• m n n n n o n n n n n n n o n 67 6i fa G w a a m' n n n n `G 6; 9 G m s doom �o3n s �a3 m -cam G)�-^r e0i a q CVI N N d 3 3 N .0 M 3 3 N d 3 3 N ca p {{J,ry� C Q � ts2Rade2e5 5 a eR�� 4� S o a a 6 o a o w 01 S S ur 7 aZ i� p C) O N Q 34 i N N co N C p o �0 1Ro �. 0 � Qo o o °.�^n o� -nn ° T r — -n.,. ?1 'n — q Z N V N W Q V A W 4 N m~ Q y CD Q n P 3 Er N O1 r1 1 fJ r1 .+ �I O A V O 3 S ti Q QI ut WAOA j (n A x u� IC7VNA WI IO p� N C7 A Lti Q! o w do � to bNN N d Q W w a.ti q Q m I m j I z Q) w u, Qf l In CG NI W cn Of �' 0, f0 (n w W Co z CJ A A N T O (! 7 n CN1ti G coQ�O • al 1D ll�l N� fh � a W O co CD W a 1V Z a C1 I N� n N ^ m tQ3i 1 I c `r y( rQAnNi O! N IZvAQNi (DI 1C tr lD O p f o �uw,NL4 IPrA.»a mi z (An�� n W mQ.N.1z w mw-j m 0 CV n +(a VO N ai I .ZQ A I I N O A Z " 'C�pp m a iA w r41i n up1i ni w ( N w N is y Q [7 A Ya in au n Q 4 s � I Nv+ p A m N cc I 0 A in I la CD N CA C3 o m V n tp A A 0 i Q N co � Ni A V A O m Go ((A En to � p N N n' 0 W I AQry cn iV m IzC. W Zn rat (nwn� z (o wwzz cn Tr° H p• A ib is N(O W is io pp� W ID0Qwi— A'I p 0Qw a m N �a i w4an .Ai a -C o O o in En ZA (n Ivn C'n I z� ' ~I ra W Ot z A C) 0 O n 0 W En(NaA W I�0WI QIA O1 QQ oC-n V -NiN�� V W F :C ,�.. 1 I H I AA A vi N 1 N W A NI ,�' INW N� N N A. (O a7 2' N w N W VI O z Z e j �ro b 'Tl �. �(pp W V A LAi� (C I a A N (ATI Rwi I W A L4 (,V(�,,�� A►V CD I WN v�l .. ��_nQ V V W N A d O I V p�p W V V 6 V W N co W 0) W N W i7 •••� ION ❑ I CN! Q W tNT -+ Q V N O 1 1 M� AA�N I� N CD r 0 7 T Q n n waam w I>woa �I wwo� rwwP'y ^ _ m i 1 �, h• 1 I Iz c Z m p Q N b rim in ° rAia+-4 IAWCO-4 a�; z r„ (amzx Q m o �a�rn w m c I v"io?� w E N [N A I W A (7� A I O I , I cr w W (,,� N W N O" V r a l/� w z A O zA �1 '-• y z /V tb A V V OD (a 0 W 0 a N Q W t0 LJ .7. N in N W P (NJ� � N� � W n m] O . W 4 V ry CL n 4 m� "J 'n n n it T V � n N n su 4 w � n cn n � a (n N D � n a rr) Z :3 [l, (A b w n nn n O .� C � O O n N w a a ro n a -4 ;1 :41 w a a -i -4 -t -a m � r� n n n n Gfe GF n G n n n n GCi Gi ri 3 �• n n n n GGG G n n n n Gi GGG i S � 1 a i3 A '(i a p m 7 'n O a 1rD a or � 3 3 40 $, � 3 N al (A n m 895 9� 1 a o 0 rr c Or 9 a 5Sc j SS �. SO o n O O O N O O NN C �' N o - N Q 0 O G OU Z 0 O N p ro aQ 3E O O 2.�T tea^ T �0, 71 X xT o w— 0 A o N G W O— o o .. G O 0 0 0 o • i .r..._�... i z I I r ep O+ I W Al O too O to IGa) 06 Iml O W O P W 0 c 0 0 O N m I 1 I z�Wz © _ Iz� W Z _I 41 _ zNz z _ N zzzz z r• W Ty a s vQ��a cc �a N ao. (P Q1 A W 'a A I I C D z IZo rnz oI zz z tO ZZZz z crr�m p O 0 � A iP N 1 a-4a . . . 5t. 0!0 a 0 1 N 1 IztWi� WI m Q [r _ 1 z tND Z Al z z z zzz z z T�•d 7 pN$a co L rnT a.—Wj pia- aaar y am o I I ca OD O A O W 1 AI V V 7 0 Ln . 1 NI 0W0 0 W Coco O N n ro z W V z 8 Iz o ►i x V z V z z ti z z z z z T s W y Nw a1 o �•m o c 2N9z �N-4a zvgz 1 I• zt; z aaaa zzzz aaa� z n' A V N V I AI N I 1 1 �aW 1 o tr=n Z03tnz Iz(DL"z '01 z39zz -W z z z z z •00 a a� "0 paa� 1 I z a C 1 1 c�.�m m O-V O cc1O(WD V O 01 ONQ O N O00O 0 a j 7 a I 1 ro m z (0 m Z 0 1Z No m Z AI Z O Z z W Z Z Z Z z r -1 m a wa w Iag�a mi aWpa W aaaa a yNa, 1 I 1 ro r °m3 0 r z �Nn Iz''mz al zenz z w Zzzz z ro•o o - o �Wwa 0 ;aknWa Wi �paa o Y�aa a m0`»o m I I aW H I 1?: 1 ocr=e', zV Wz O Wz 01 ZED Z O zZZz z T�•� pwwin 10 a Z;L�..r."a _J nlun?° "NJaa�a a nm o 0 access to mortgage lending focuses on the issues of accessing conventional prime loans, and steering to FHA and subprime loans in both the home purchase and refinance markets. Looking broadly at geographic segregation in Broward County, this analysis found that the minority and white populations tend to be generally segregated by both income and race. For example, 52 of the count y9s 53 white census tracts are in the highest two income ranges. This can be contrasted with the predominantly minority census tracts where there are no tracts in the highest income range and 33 of the 50 census tracts are in the lowest two (2) income ranges. For the racially diverse tracts, 3 8 of the 57 census tracts are in the single Moderate and Middle Income range (80% to 120% of the area median family income) . But for an insignificant percentage of `outlier' tracts, the analysis of home purchase and refinance loans in the Broward County market shows several patterns of disparate service and underservice to minority markets. In some areas, Asians show parity and even more access than whites to conventional loan products and to prime conventional loans. On the other hand, Hispanics, and especially African -Americans, show significant racial disparities related to higher failure rates for conventional loan applications, unusually high levels of FHA lending, and clearly higher levels of subprime lending when compared to whites or predominantly white areas. Controlling for the income range of the borrowers or the area generally does not eliminate these disparities. In several instances, the disparities are actually higher for higher income groups than for lower income groups. It is important to clarify that census tract income ranges are defined in terms of the Median Family Income (MFI) for the Broward County Metropolitan Statistical Area (MSA) reported in the ,1990 census. The 1990 MFI for the MSA was $ 3 6,801. The four ranges are as follows: Very Low Income: Census tracts with median incomes less than 50% of the 1990 MSA median family income. Lower Income: Census tracts with median incomes from 50% to (but not including) 80% of the 1990 MSA median family income. Moderate and Middle Income: Census tracts with median incomes from 80% to (but not including) 120% of the 1990 MSA median family income. 13 Upper and High Income: Census tracts with median incomes greater than 120% of the 1990 MSA median family income. Some key findings of this analysis for all of Broward County are summarized below. For the full home purchase market: 1. FHA lending shows clear racial patterns. FHA lending is 1.9 times as high in racially diverse areas as in white areas. Moreover, FHA lending is 3.f times as high in predominantly minority areas as in white areas. 2. In the Moderate and Middle Income range where there are expansive data for each racial/ethnic group, FHA lending is 1.6 times as high in racially diverse areas as in white areas. In this income range, FHA lending is 2.9 times as high in predominantly minority tracts compared to the same income range for white tracts. 3. All of the 3 9 census tracts with levels of FHA lending greater than 150% of the overall County level are either racially diverse or predominantly minority census tracts. Figure 2 shows the concentration of minorities in Broward County's entitlement jurisdictions. 4. For all but the lowest income Asians, the percentage of loans that are FHA is lower than for whites with comparable incomes. 5. In every income range, African -Americans have the highest levels of FHA lending with Hispanics ranking second. 6. The overall FHA disparity ratio for Hispanics is 1.88, meaning that Hispanics are almost twice as likely as whites to have an FHA loan. These disparities decrease with each increased income range with a disparity ratio of only 1.14 in the highest income range. 7. For African -Americans, the overall disparity ratio is 3.26, meaning that African - Americans are more than 3 times as likely to have an FHA loan as are whites. These disparities are actually higher at the highest income range than at the lowest income range. 8. Freddie Mac shows racial disparities in racially diverse areas that are about comparable to those of Fannie Mae while having much larger disparities than Fannie Mae in predominantly minority areas. 9. Hispanics are rejected 28% more often than whites for conventional loans. 10. African -Americans are rejected 79% more often than whites for conventional loans. I I. African -Americans have the highest rejection rates in every income range except the very lowest, where they are essentially tied with Hispanics. 14 Figurc 2: Minority Concentrations in Broward County's Entitlement jurisdictions 1990 Census Tract Boundaries Updated with 2000 Population Data Boundary Lines . .... #- Broward County- >:= [ C:.,,.::.:..•.: 1 r " :iA;#".•.v ...f..:�.::::..:,.:,.;,•:.. :{ram'% ;.}{`,i}ti:} ?. }... i=::::::•:: Entitlement Jurisdictions .:>:::..}:.;::::.::�$•.>:.:..:{�:;<:;::;a..:::a:,:: $:x:<v.::,,,:::,zv::>; :;�.• - q::a}::.:�:� lv Davie 121. African -American rejection disparity ratios are greatest in the highest income range (at I.97). Here, African -Americans are almost twice as likely to have a loan rejected as are the highest income whites. For Hispanics, however, the disparity ratio is the smallest in the highest income range (at 1.10). Thus, increased income almost eliminates the Hispanic disparity ratio while increased income generally increases the disparity ratio for African -Americans. 13• There was an average of 523 lenders active in the home purchase market in any year. For the I0 largest lenders that control more than 44% of the loan market, African -Americans and predominantly minority areas are clearly underserved. As the pool of large lenders is increased to the largest 20 (which control more than 61% of the loan market), African Americans and predominantly minority areas remain underserved. For the full refinance market: I. The overall level of FHA lending is 1.9 times higher in racially diverse areas than in white areas and almost 2.5 times higher in predominantly minority areas than in white areas. Moreover, in the Moderate and Middle income range where adequate data exist for comparisons across all racial/ethnic groups, the level of FHA loans is almost 2.4 times higher in predominantly minority areas than in white areas. 2. For African -American borrowers, racial disparities increase with each increase in the income range, rising to 4.48 in the highest income range. 3. Both Fannie Mae and Freddie Mac show disparity ratios with respect to the purchase of conventional eligible loans in both racially diverse and predominantly minority areas. Freddie Mac shows the most severe disparity ratios. 4. Hispanics are rejected 3 8% more often than whites for conventional refinance loans. 5. African -Americans are rejected for conventional refinance loans 75% more often than whites. 6. The total loan application failure rate for African -Americans is over 63%, approaching to two-thirds of all applications. 7. African -American rejection rates are the highest of all racial and ethnic groups in every income range. On the other hand, Hispanic rejection rates decline with each increase in the income range. 8. For African -Americans, the conventional rejection rate disparities vary between 1.44 and 1.92• 9. African -American failure rates are above 50% in every income range. 10.The lowest disparity ratio for African -Americans is roughly equal to the highest disparity ratio for Hispanics. II.In the highest income range, African -American applicants for conventional refinance loans fail 40% more often than comparable white applications. 12. On average; there were 463 lenders active in the refinance market in any given year. The largest IO lenders account for just under 40% of all loans while the 20 largest lenders account for almost 52% of the refinance loans. For the subprime home purchase market: 1. Overall, racially diverse areas are 66% more likely to have subprime home purchase loans compared to white areas while predominantly minority areas are more than 3 times as likely to have subprime home purchase loans as are white areas. 2. In the Moderate and Middle income ranges (80% to 120% of the area median family income) where comparisons are possible across all racial and ethnic groups, these disparity ratios are 1.S9 for racially diverse areas and 2.73 for predominantly minority areas. 3. Only 6 of the 5 3 white census tracts have levels of subprime lending above that of the County overall and only I of the white census tracts has a level of conventional subprime lending greater than 150% of the County overall. On the other hand, 48 of the 49 predominantly minority areas have levels of conventional subprime lending greater than the overall County level and 41 of the 49 predominantly minority tracts have levels of conventional subprime lending that are greater than the overall County level. 4. In every income range, African -American borrowers have by far the highest percentage of subprime loans and Hispanics have the second highest percentage. 5. African --Americans are at least 2.5 times as likely to have a subprime home purchase loan as are whites with comparable incomes. 6. FHA and subprime loans are 2 times as likely in racially diverse areas and 3.7 times as likely in predominantly minority areas as in white areas. These disparities are not simply the result of the concentration of white tracts in the higher income ranges. For the Moderate and Middle income range alone, FHA and subprime loans are I.6 times as likely in racially diverse areas and 3 times as likely in predominantly minority areas as in white areas in this same income range. 7. There are no individual white census tracts that have levels of FHA and subprime lending above that of Sroward County as a whole. On the other hand, 46 of the 17 49 predominantly minority tracts have FHA and subprime levels above the overall County level and 42 of these 49 tracts have combined FHA and subprime levels greater than 150% of the County level. 8. For African -American borrowers, the disparity ratios for combined FHA and subprime lending are the most extreme and exist in every income range, ranging from a low of 2.18 to a high of 2.76. 9. The level of FHA and subprime lending is greater for the highest income African - Americans than for the lowest income whites (16.30% compared to 15.08%, respectively) . 1O.An average of 69 lenders are active in the home purchase subprime market in any given year with the 5 largest subprime lenders accounting for almost half of the market (48.33%). For the subprime refinance market: 1. For the Moderate and Middle income range for which comparisons can be made across racial and ethnic areas, conventional subprime lending levels are 49% higher in racially diverse areas than in white areas. ! Z. In this same income range, conventional subprime lending levels are 2.5 times as high in predominantly minority areas as in white areas. 3. Only 5 of the 53 white tracts have subprime refinance levels above the overall County level and no individual white tract has a percentage of subprime conventional loans more than 150% of the overall County level of 18.1%. On the other hand, all of the 49 predominantly minority tracts have subprime levels above the overall County level, and 42 of these 49 tracts have subprime loan percentages that are more than 150% of the overall County level. 4. African -American borrowers in all income ranges are at least twice as likely to have a subprime refinance loan as are whites in the same income range. 5. While there is a trend for the levels of subprime lending for African -Americans to decline with increased income, only in the highest income range does the level of subprime lending for African -Americans fall below the level for the lowest income whites. 6. For the three years as a whole in the Moderate and Middle income range where comparisons can be made across all racial and ethnic groups, the combined percentage of subprime and FHA loans is 1.5 times as high in racially diverse areas as in white areas and 2.5 times as likely in predominantly minority areas as in white areas. 18 7. There is an average of 93 lenders active in the subprime refinance market in any given year with the 10 largest lenders accounting for almost 54% of the subprime loans. 8. Whether one looks at the 5 largest or 10 largest subprime lenders, the largest lenders have market shares in predominantly minority areas that are higher than their market shares of loans in the Broward County market overall. PLAN OF ACTION Juxtaposing the findings summarized above with the fair housing goals identified by HUD, the following action measures are recommended for the City of Tamarac, working collaboratively with other municipalities in Broward County, to achieve the fair housing goals. Table 6: ACTION PLAN TO ACHIEVE FAIR HOUSING GOALS OBJECTIVE 1: INCREASE AFFORDABLE HOUSING OPPORTUNITIES AND HOMEOWNERSHIP GOAL #1 PROVIDE MORE AFFORDABLE HOUSING & RENTAL UNITS Fair Housing Activities Action/Agreement required Measurable Results Provide information and technical Provide training or contract for Increase in affordable housing assistance on housing development Professional services development programs Insure that public housing units meet Conducting at least one (1) Listing of higher quality housing quality standards comprehensive physical inspection of housing units units Encourage housing providers to participate Implement a contract with a Fair Increased landlord participation in Section 8 program Housing Agency for on -site Training. in Section 8 program Monitor affirmative marketing plans and Review results of on -site monitoring Compliance of all sub -recipients efforts of housing developers receiving visits conducted by the Fair Housing with fair housing and CDBG and HOME funding Agency, and implementation of corrective affirmative marketing action requirements Promote public awareness Partner with community for annual Level of participation in homeownership fair(s) homeowner -ship fair(s) OBJECTIVE 2: INCREASE HOMEOWNERSHIP OPPORTUNITIES GOAL #2 INCREASE HOME OWNERSHIP OPPORTUNITIES Fair Housing Activities Action/A reenient required Measurable Results Provide financial incentives for (tome buyers that stake pro -integrative moves Implement action plan for tax credit use, etc. Increased diversity in the city and county. Require strong marketing programs for developers that utilize federal funds. Implement a contract with a Fair Housing Agency for on -site Training. Increased diversity in the city and county. Support pre -purchase counseling programs Provide training or contract for professional services Increased diversity in the city and county. Revise zoning ordinance Passage of draft zoning ordinance and subinit to the city and county Increased diversity in the city and county. OBJECTIVE 3: IDENTIFY AND REMEDY LENDING DISCRIMINATION GOAL #3 REDUCE DISCRIMINATION IN LENDING Fair Housing Activities Action/Agreement required Measurable Results Support the establishment of a lending Designate appropriate staffniember to Establishment of fair lending partnership participate in the partnership partnership Implement a six (6) month testing project Contract with local fair housing agency Identification of discriminatory designed to identify and rectify for professional services practices, increase in Elie number discriminatory lending practices of complaints, and action taken to address findings Support a non-profit county -wide Implement a contract with Fair Housing Number of city and county Predatory Lending Initiative Agency residents served OBJECTIVE 4: IDENTIFY AND REMEDY DISCRIMINATION IN HOMEOWNERS' INSURANCE GOAL #4 REDUCE INSURANCE DISCRIMINATION Fair Housing Activities Action/Agreement required Measurable Results Review concerns of homeowners' insurance Hold community forum or series of Documentation of reported rates and the effect on home purchase community forums concerns Implement a six (6) month testing project Contract with local fair housing agency Identification of discriminatory designed to identify and rectify for professional services practices, increased number of discriminatory practices in the provision of complaints, and action taken to homeowners' insurance address findings 20 OBJECTIVE 5: ADVOCATE INCLUSIONARY ZONING GOAL #5 REMEDY PUBLIC PREJUDICE AGAINST LOW INCOME AND DISABLED PERSONS Fair Housing Activities Action/Agreuizcnt required Measurable Results Form a committee to /address and combar Select appropriate staff and community Formation of committee and prejudice against housing for low income numbers and represenratives from implementation of and disabled persons professional organizations to serve on recommendations committee Provide education, outreach and counseling Contract with local fair housing agency Monitor number of completed to community residents, housing providers, for professional services workshops and changes in public and persons of low income and/or having prejudice disabilities 21 THE CITY OF TAMARAC, FLORIDA: BACKGROUND INFORMATION The City of Tamarac was incorporated in 1963. It is one of the largest cities in Broward County. Broward is the fastest growing county in Florida, and the third fastest -growing county in the United States among those numbering more than one million in population. Tamarac is a 12-square mile full -service city, located in the west -central quadrant of Broward County, as shown in Figure 3. The city is considered to be one of the choice suburban residential communities in Broward County and, indeed, Southeast Florida. This is attributable primarily to the overall quality of life, determined by the high standards of infrastructure, public services, public safety, housing, schools and leisure activities. Tamarac is also very accessible by some of the major north -south and east -west thoroughfares, such as Inter -State Highways 95 and 75, the Florida Turnpike, University Avenue, Sawgrass Expressway and West Atlantic Blvd. The city's rich cultural and entertainment milieu is enhanced or fueled by parallel or similar activities in adjoining cities to the north, south and east, as Figure 3 shows. OX Figure 3: Map of Broward Cities, Showing the City of Tamarac, FL (Source: WWW.b'roward.or$) MV MACH 6CLKrI T-T g � IMf4CAND w:rrr�.M Cimes of Broward w r rwti .w.w. r ay., !i • C H%SSE:74p Cou my - � ' kM,.� �. rk BEAt'7l �*fwr • n BEnC11 a � �A\ts e.r.auec...w• WA WVCH LOTS �. I 4 .w...... a, VAlOC7lyyE• f !i.!�� i _. ; CY►i4X47 NY-t1Q.SEJ1 � 1 i.WaCvpt Vhpic p W1.1gM i- '" �� ra...o w.v AOG1 tl4rh�tiC1/ lE �.n c.c IN��OIY� � � k✓E � : ,� Sol: F dwaT w W-I w h+ 1 tro .r, r... Y .ra rwa r►•.. �i +. �.r , �-. �. ..art . .... r.�,• ; ;►� POLWL'It, MES ...; �. .,...M b %( Y[ll� MIL( 2. Kwti w4Ntali i-4�. i�! Cb" couvy The 2000 U.S. census pegged Tamarac's total population at 55,588. The bi-annual updates of municipal populations show that Tamarac has a 2003 population of 57,3 IT Per capital income is $25,969; median household income is $40,431; and, median age is 53.4 years. The city currently has 30,000 households. Tamarac has the lowest crime rate of any city of 50,000 + population• in Broward County. The US Conference of Mayors named Tamarac one of America's most livable cities. The White House designated the City as a Millennium Community, and the 1992-2000 Presidential Administration awarded the Blue Ribbon of Excellence to Tamarac Elementary School (see "The Greater Tamarac Cbatirber of Coinrnerce: 2oo3 Membersbip Directory and Resource Guide). 23 RACE AND ETHNIC PROFILE OF TAMARAC The race and ethnic profile of the City of Tamarac clearly reflects the increasing cultural diversity of Broward County, due primarily to immigration (international) and migration (national). The current demographic breakdown of the city by race and ethnicity is shown in Tables 7 and S. The cultural milieu of the city is further reflected by the cultural profile of the school population, which is described later in this analysis. Table 7: Racial Profile of the City of Tamarac (Souris; www.broward.org/browardfacts Race and Ethnicity Number % of Total I. Nonhis anic White alone 39,688 71% 2. Nonhis anic Black or African American alone 5,62.3 10% 3. Hispanic Persons 8,274 I 5% 4. Other 2,003 4% 5. Total Population 55.588 100% Table 8: Race and Ethnic of the Cit of Tamarac Source: www.broward.org/browardfacts) Race and Ethnicity Number % of Total I. White alone 45,625 82% 2. Black or African American alone 5,845 11% 3. American Indian and Alaska native alone 99 0.2% 4. Asian alone 823 1.5% 24 n AGE AND INCOME PROFILES IN THE CITY OF TAMARAC The City of Tamarac is a community of relatively young and working households. The 2000 U.S. Census put the median age of the city at 5 3.4 years, while per capita income was $25,969 and median and average household incomes were $40,34I and $52,579, respectively. The age structure of the city is shown in Table 9. The table shows that over half of the city's population (59% far ages 20-64 years) is in the active adult or working stage of life. This structure also shows that the City consists of active households, as confirmed by the income statistics of the city's households in Tables 10 and I i. 1-2ble 9: Population Structure of Tamarac, 2003 "A R 6. Tamarac Broward Counc y .�•t"`. No 1.508 I'OS 1.63 " Percent 4% 6% No . 2,o90 i o 551 Percent 4% 7% f8 aa, $ ' No1,96.E I15,x51 Percent 3% 7% k No Y;$�4 98,426 F dy + NINE Percent 3% 6% 6 s� : a "' ..... �.. .... Nd ... 2 ?.q'p ' :88r37Z'... i ci;;r3 Percent 4% 5%tl - � Percent I2% 14% z , y K Pcrccnt I 1% I 7% }7; +, a rNOr c w" Percent 10% 14% g�91 Percent 6% 5% Percent $% 4% F� No $,065 L.T6 4,17 KS 74 Percent 14% 7% 75' R Not Percent 17% 6% ff5 A k �• $ t , No::. 3,797 4.5;720 . ,t Percent 7% 3% �' N°:. SZ.318 1,6�2346,' Total Percent 100% 100% 25 Table 10: Demographic and Income Statistics for Tamarac, 2003 'Populacton`Scmenc .. Number ... ,spQpylaiaon older than 16 5,0,361 Population older than 13 49.671 r api{latton older than 21 48.5.57 Population older than 65 . 21,580 .1Kdtais �►$C Median Male Age 48.8 ?1'G+IeiO. Ferzialc'Agc Median Age of Householder 64.5 1dc�gc Ho�iseholcl.Size 2003 Total Population 57,317 a ?O ulaFtc��i ui Groti ' Quarters Households (HHs) 28.151 16007 HousingUnits HUs 30,545 °' Pet�Gai rca.Incomc :,'. �Z..S jb9 Aggregate HH Income $1.480,151,424 11 I 'IiCome 40, i 41 Average HH Income 52,579 �cdtan aaiiii' Income 4702 Average Family Income 60.359 Table 11: Breakdown of Households by Income Uroup in the Uty of 1 amarac ;'c'sek1'od Tncgme Number Pr~rcent f Q00 3 45 .u..k .._.... $15,000-$ 2.4,999 435 5 15. 47% 34,999 , 4,204' a[4.93% 13 5,000-$49,999 5,390 19.15% $�,00 $74,999 5,573. Y9 8D% $75,000-$ 99,999 2,895 io.28% $10 ,000 : 49,999 . 1,699 6 04 % h.. . $150,000-$249,999 399 1.42% voo$499>000.. 12Z :' 0 43% > $ 5ook 63 0.22% ORN EMPLOYMENT IN THE CITY OF TAMARAC The City of Tamarac takes great pride in its economic and employment opportunities and potentials. The city has an Economic Development Division, which is responsible for business recruitment, licensing and retention. The city's economic development strategy is tailored along these goals by prioritizing the retention of existing businesses, the redevelopment of existing commercial areas and the attraction of new businesses. The city provides various incentives to new businesses and, in recent years, among the companies that have been recruited to the city are the regional distribution facility for City Furniture, Convergys, a worldwide customer service center, several hotels including Hampton Inn and InnTown Suites, and Comfort Suites. The Greater Tamarac Cbamber of Commerce: 2-oo3 Membersbip Directory and Resource Guide (p. t)noted that as of 2003, the Chamber "represents about 300 area businesses and is growing rapidly." The Chamber further noted (p.12): "Our economy has become global, enhancing the diversity of potential business partners in South Florida. Tamarac is in the middle of this rich opportunity. We have an abundant and proficient workforce in a right-to-work state." Currently, the City of Tamarac provides employment for more than 15,000 people. Table 12 lists the major employers, along with their numbers of employees. Table 12: Tamarac's Major Employers # of Employees I. Convergys Customer Management 1,600 2. University Hospital and Medical Center 1,000 3. Publix Supermarkets 625 4. City Furniture 600 5. City of Tamarac 325 6. Aurafin 250 7. Arch Aluminum and Glass Company 16o S. Albertson's Supermarkets 110 9. Zephyrhills 100 10. Walgreens 87 11. Sonny's Enterprise 87 12. Culligan 70 13. Graphline 60 14. Sun Belt Interplex, Inc. 50 27 TRANSPORTATION IN THE CITY OF TAMARAC The City of Tamarac fits Florida's reputation as s state with one of the highest person - to -car ownership ratios in the country. For most households in the City of Tamarac, private automobile ownership is the premier mode of transportation. Table 13 shows the number of vehicles per owner- and renter -occupied household, 1 able I3. Number of Vehicles Per Househotd: Uwner Uccu ied and Rentei tP4pulaflor Number 'percent Owner occupied 21,946 100.00% No vehicle av rO+iStr' occuptcd ailable' Z,Z98 I Q:47% Owner occupied; I vehicle available I2.012 4.73% , rtxei? gecupied 2 vehicles available 6 603 30:09% Owner occupied; 3 vehicles available 904 4.12% T1GC CIGCllpie` vel;tclea available 118 0.54,% :.t ,. .� ... _ .. ..,. _ .., Owner occupied; 5 orf more vehicles available 11 0.05 Renter occupied 5,474 100.00% lRcric'utcupied; No vehicle available bb7 ` Iz 18%. Renter occupied; I vehicle available 2,817 51.46% tx .�cttt- vehicles available I,b63 30 389K. Renter occupied; 3 vehicles available 253 „ 4.62% � t4c°occupteci; 4 vehicles ava�lablc 6 IP I"Iqx Renter occupied; 5 or more vehicles available 9 0.16% Occupied Table 13 confirms that the 27,420 owner -occupied and 5,474 . renter -occupied households in the City of Tamarac have high automobile ownership rates. While 10.5% of owner -occupied households own no vehicle, 35% own two or more vehicles and 55% own only one vehicle. For renter -occupied households, 12% own no vehicle, 51.5% own one vehicle, and 3 6% own two or more vehicles. Overall, less than 2% in the city ride or use public transportation, which is attributable to the poor public transportation in the entire region. The need or justification for the high automobile ownership rate is sometimes based on the commute time to work, and the difficulties of using the limited and unreliable public transportation available. Table 14 shows the commute time to work for the residents of the City of Tamarac, ages 16 and over, who did work outside their homes. 28 Table 14: Travel Time to Work for Workers 16 Years and Over Who Did Not Work at Home .a tila[ioti`e'rnent;`: ' Nurrbec '.Percent ; o : 21, S 92., I00 00% .., Less than 30 minutes 12,113 56.10% Lr, than 3 0 minutes, Public 107 t� Less than 30 minutes; Other means 12,006 55.60% mtnuces 6,3 I1 29:23% 30 to 44 minutes; Public transportation 124 0.57% `to 44 minutes, Other means b,I$7=' 28:65% 45 to 59 minutes I,788 8.28% S t¢f 9 ttnutes, Public on transportatl. ,. , 53 .. , ., D. S% "'• ... 45 to 59 minutes; Other means 1,735 8.04% nor rtinre >Yunutes I,3 $0 4 '39% 60 or more minutes Public transportation 83 0.3 8% (7.Ynoe.hinutes„`Qther`rieans? I,297> The City of Tamarac also provides its residents with a city -owned and operated, fixed - route bus service, which connects the city's neighborhoods to all commercial centers and medical complexes in the city. This service is available and accessible to all interested residents. The service also connects with the Broward County Transit to destinations all over the County. M SCHOOLS IN THE CITY OF TAMARAC As a city that started out as a bedroom community for retirees and empty nesters, the City of Tamarac currently has only two elementary schools, namely, Tamarac Elementary and Challenger Elementary, and one middle school named Millennium Middle Academy. However, the city is well served by other middle, high, magnet, charter and private schools in adjoining cities. Access to schools is enhanced, therefore, by the city's close location to other older and larger cities. Table 15 shows the two elementary schools in Tamarac and their racial composition. The composition reflects the multi -cultural complex of the city and the county, as is demonstrated in Figures 4 and 5. Table 15: The Racial Profile of Tamarac and Challen er Elementary Schools Tamarac Elementary Challenge Elem. Millennium Middle Race Number Percent Number Percent Number Percent American Indian or Alaskan 4 0% 11 1% 5 0% Asian or Pacific Islander 36 3% 25 2% 32 2% Black non His anic 219 19% 406 34% 560 40% White non His anic 469 42% 387 32% 433 31% Multiracial 46 4% 53 4% 19 1% Hispanic 377 32% 311 26% 367 26% Total 1178 I00% 1193 100% 1416 100% The racial profile of the schools in Tamarac reflects the interesting cultural mix of the city and the county. In a 1996 survey of Broward's multicultural profile, the Coordinating Council of Broward County identified 189 birth countries for Broward County students, grades k-12. In addition, there were 79 languages spoken. At the time of the report, there were 208,354 students enrolled in the school system. At least 11%, or 22,919, were born outside of the United States and 13% of them (27,086) used non-English home languages. Additionally, a cultural diversity profile of these students placed Haiti, Jamaica, Columbia, Bahamas, and Brazil as the five top places of birth outside the United States. kill N Figure 4. Cultural Diversity Profile of Broward County Students, 1996 Broward County Cultural Diversity Profile K•12 Students (995) K-12 Students in Broward County, 1995 Places of Birth Represented languages Spoken Home Language TopS_Flaces of Birth 189 79 3500 3000 2500 Nopfmlish $pannk 2000 1500 Bom Outside USA Home language S4°/r .. 1000 13% 900 ° Y'►~ . ."b tea' 14 O0 i1MRh1�MnG��dwHGMkrdi�(�M.�� 7 V According to the 2000 Census, 410,387 people, or 2 5 % of the total population in Broward County, are foreign -born. 41% of this number entered the County between 1990 and March 2000. The current diversity profile for the County shows that over 70% of the foreign born residents in Broward County are from Latin America. Europe and Asia rank second and third with 14.1 % and 7.7%, respectively, as Figure 5 shows. 31 Figure 5• Region of Birth (Foreign Born) x 0 Europe '' „• ■ Asia y� ❑ Africa ❑ Oceania ■ Latin America ON. America HOUSING IN THE CITY OF TAMARAC One of the attractive features of the City of Tamarac identified by the local officials and business entities interviewed for this analysis is the quality and variety of housing stock in the city. The city takes the task and goal of providing safe, decent and affordable housing for its residents very seriously by working collaboratively with both private and non -profit' -sector providers and builders of housing. The city focuses on both new construction and housing rehabilitation. The. agencies directly involved in the city's effort to provide housing are briefly described below. First is the building department, which assists the public as well as contractors in obtaining permits for new residential, commercial and industrial construction as well as home and tenant 'improvements and all signage. Certificates ofOccupancy are issued for all new businesses, commercial structures, and residential units in the city after passing all required inspections. Inspections include electrical, plumbing, structural and mechanical (air conditioning) which must meet the standards of the Florida Building code (Broward Edition) as well as the City of Tamarac Code. All building department inspectors are required to be certified under the Florida Building Code and the State of Florida. The department also provides Flood Insurance Rate Map (FIRM) readings for insurance companies and the general public. Second is the Code Enforcement Division, whose goal is to ensure a neat, clean, and aesthetically pleasing community. The division is charged with enforcing the city's Code of Ordinances. Personnel in this division include uniformed Code Enforcement Officers for patrolling the city and insuring compliance with the city code. The responsi I officers are empowered to issue violations and citations for such items as: overgrown lots, excessive trash, unsafe buildings, construction without a permit and nuisances in general. Violators of the code may be subject to fines imposed by the Code Enforcement Board. Third is the Economic Development Division, which has a housing unit, and is headed by an Economic Development Manager, who oversees and manages the implementation of the city's various housing programs by outside consultant, 'including programs listed in Table 16. Among the implementing agencies are CRA of Florida, responsible for the city's CDBG and SHIP programs, and Stein's Gerontological Institute, which ensures that all the adult congregate living facilities in the city comply with the Americans with Disabilities Act (ADA). The housing unit collaborates with other affordable housing entities in the region to ensure effective outreach to the residents of Tamarac on all homeownership incentives, and other housing -related issues, such as fair housing. kit] Fourth is the Planning and Zoning Division, which is responsible for the coordination of all comprehensive planning and growth management in the City. Personnel in this division include professional planners and technicians with expertise in land development regulations, zoning, and urban design. The division analyzes site development plans and plats, prepares concurrency management studies, and administratively processes variances, rezoning, parking waivers and land use amendments. The division operates the City's Graphic Information System (GIS), which integrates maps and databases that relate to utilities and property in the city's jurisdiction. -r.1.1. i A. AFfnrrUle Hnnsino Prnanms and Strate4ies for Municioalities in Florida Aorssing Aspect Federal Stan LocaltiPrograms Private Sector yy . i Pro rams Fro ram y. Pro tame ciP�ers Purchase CDBG SHIP (Via Office of Housing Community Reinvestment - Mortgage Assistance Office of Finance (OHF Act (CRA) '77 via grants - Down -payment Housing Finance Bonds) and lines of credit to Assistance providers (nonprofit) Closing Casts Land Acquisition CDBG SHIP - Community CRA'77 via development Redevelopment loans to providers Act (CRA)/ Tax Increment Financing (T1F) OHF Bonds Housing CDBG SHIP OHF Bonds CRA'77 via personal loans Rehabilitation/Repairs Site Preparation and CDBG SHIP - CRAITIF CRA'77 Infrastructure - General Revenues via Public Works or Community Improvement Plan CIP Architectural/Engineering Front Porch Private loans to providers Drawings and Soft costs Program Housing Construction - Federal - SAIL (for OHF Bonds CRA'77 via construction Housing apartments) loan to builders/providers Tax Credits - SHIP (FHTC) - HOME - CDBG - 202 Elderly Housing - HOPE VI - HOPWA Permitting Process Regulatory Incentives vat 34 As a result of the efforts of the city to promote housing, especially liomeownership, the City of Tamarac maintains a qualitative housing stock in well -maintained neighborhoods. The data on the supply, cost and availability of housing in the City of Tamarac is summarized in Table 17. Table 17: Housing Statistics in the City of Tamarac A Median Housing Value in Cit $ t 15, 385 B. Median Rent in City $789 C. Area Median Income in the City AMI) $40.341 Very Low- to Very High -Income Groups calculated as ercenta c ofAMI 530% 30-50% 50-80% 80-120% 7120% Median Income of Income Group $12.102 $20,171 $ 32,273 $43,409 $48,409 I. # of Households in Income Group 2.110 2,297 1,944 3,852 7,209 2. Qualified House Price 2.5 x income $30,236 $50,426 $80,682 $ I21,023 $121.023 3. Qualified Rent (c30%of Monthly Income $303 $504 $807 $1,210 $1.210 Owner -Occupied Housing 4. 5. Existing Housing units. in # 2 # of Household in # I who own 30 1,307 90 1,517 1,132 1.980 5,599 2,644 3,224 5,516 Renter -Occupied Units 6. 7. 1 Existing Rental Units in # 3 # of Households in # 1 who rent 38 803 231 780 812 1,127 156 I.208 251 1.693 Owner- and Renter -Occupied Housing Gaps . R. Owned Housing Gap # 4 - # 5 Renter Housin Gap # 6 - # 7 -1277 -765 -1.427 -549 -848 -315 2,955 -1,052 -2,292 -1,442 For the high income residents of the city, housing is provided almost entirely by the private sector. Table 17 shows a high or surplus supply of owned housing for the high - income group (80-120% of the AMI), but not for very low-, low- moderate- and very high -income groups. The city supports private -sector housing providers through innovative and user-friendly regulatory and policy measures, such as expedited and streamlined permitting processes. For the low- and moderate -income residents, the city offers a variety of housing programs funded by the Community Development Block Grant, State Housing Initiative Partnership Program, and several other Federal and State grants listed in Table 16. Through the city's support for both private and non-profit housing providers, the city is able to maintain a housing stock that consists mostly (44.5%) of single-family detached units as Table 18 shows. Housing values are also generally affordable for the bulk of the working households. Table 19 shows housing values in the City of Tamarac. 35 2DLC 10: LYFC.N Lilt; �-tLz vt L4144—, MenE 9 e'. ., Number Percent WGL§..VN1TDETACHED STRUCTURE 8 HUs, SINGLE UNIT ATTACHED STRUCTURE 2, 58g 8.48% 40 qmtg IN STRUCTURE 200 .0.65% HUs. I - 4 UNITS IN STRUCTURE 575 1.88% NITS IN STRUICTUR, E 2,199 ,7. . ;0% HUs, io - 19 UNITS IN STRUCTURE 1"904 6.23% 4--40-UNITS IN STRUCTURE.45%, 7.773 5 HUs, 5o OR MORE. UNITS IN STRUCTURE 1,475 4.83% 'TRMLER ,,I �114 0E OR 23 0.08%. , HUs, OTHER HOUSING UNIT 229 0.75% V 30,545 Table 19: Housing Values in the LACY Ot I am2rac ^�Io{�air�g Value Group ; - Number � Percent � $25k-49.999 60 0.44% A42 7 $75k-99,999 3,622 99 .26.68% 41.24 si5ok-igg,999 1,727 12-72% 74 % $300k-399,999 306 2.25% ITS 5 >$5ook 101 0.74% 36 CITY GOVERNMENT IN TAMARAC The system of local government in the City of Tamarac is the Council- Manager system. In this system, the legislative and executive functions are those of the city commission and mayor, respectively. The administrative function is handled by a professional city manager, supported by a cast of professional staff members in all the city departments. Tamarac has a five -member commission, one of whom is the mayor and is elected at - large. The other four commissioners are elected by district, as shown in Figure 4. The city commission's commitment to ensuring effective citizen participation and representation is demonstrated by the various advisory boards and committees. Most relevant to the implementation of all housing initiatives, including AFFH, is the I2- member Affordable Housing Advisory Committee. Still on AFFH, the City Commission's seriousness in AFFH was demonstrated by the adoption of Resolution No. R-200-I39 in the year 2000, endorsing and committing to the letter and spirit of the Federal Fair Housing Act, and the State of Florida's Fair Housing Act (F.S. Chapter 760, Part II). The City of Tamarac has institutional structures in some of its departments and divisions that help to implement the city commission's housing goals. Administratively, these structures function under the leadership and supervision of the City Manager. kyj PROCEDURES FOR HANDLING FAIR HOUSING COMPLAINTS The City of Tamarac has shown a pragmatic and firm commitment to AFFH through local resolution; written notices to citizens, especially new home buyers, and participation of housing staff in local/regional housing programs, conferences workshops and other partnerships. Currently, the City has the following procedures in place to handle all fair housing complaints and related issues. L The City Commission publishes the City's equal opportunity and antidiscrimination policy on all documents that are printed and disseminated about the city's programs and services. Z. Tamarac is part of a network of municipalities in Broward County, which work with the County Civil Rights Division, the US Department of HUD, and non-profit agencies such as H.O.P.E. Inc, to address all types of discrimination issues, including housing discrimination. By regional standards, Tamarac's shares of complaints that were lodged with various human rights entities between 1998 and 2002 are shown in Tables 20-22. Ideally, each of the agencies receiving complaints is supposed to impartially and thoroughly investigate and propose solutions for each case, based on the merits of the cases. For the cases listed in Tables 20-22, none of the entities receiving the complaints had any explanation for the nature of the cases and how, if at all, they were resolved. The entity listed in Table 22, H.O.P.E., Inc., is a 15-year old housing advocacy and technical assistance agency in South Florida, considered by many to be one of the most versed in fair housing issues. Further inquiries with US Department of HUD to ascertain any substantive complaints of fair housing violations in Tamarac revealed that, of all the cases filed for Broward County with the Department between January 200I and April 2003, only six cases were in Tamarac. Of these cases, four were adjudged as "no cause determination" and the other two were settled successfully through "conciliation". Essentially, the cases were successfully disposed of by the federal government and the files on them closed. 3. The City of Tamarac Economic Development Division and Community Redevelopment Associates of Florida, Inc., the city's CDBG and SHIP consultants, are also information sources for prospective homebuyers about their housing rights and the procedure for filing any complaints or cases of discrimination in any of the phases or stages of purchasing a home. Information is made available in writing to all prospective homebuyers. CRA W* publishes all information in English, Spanish and sometimes in Haitian Creole, which are main languages spoken in most South Florida households. Table 20: Housing Discrimination Complaints Received by US HUD from Broward Countv Residents 1998 — 2002 Entitlement jurisdiction Race Color National Origin Religion Sex Familial Status Disability Other Total FE. Lauderdale 5 1 6 3 2 9 7 1 34 Pompano Beach 4 1 2 1 2 2 5 0 17 Deerfield Beach O O 1 0 1 0 O 2 0 3 Lauderhill 10 0 1 O 0 1 1 1 14 Davie 0 0 2 0 0 1 2 0 5 Margate 1 0 0 O 0 3 1 0 5 Coral S rin+s 2 0 0 0 0 1 2 0 5 Plantation 1 O 0 0 0 0 1 0 2 Tamarac 3 O 1 O 1 4 I 0 10 Miramar 3 0 0 0 1 0 O 0 4 Sunrise 3 0 0 0 1 3 5 0 12 Pembroke Pines 3 0 0 O 0 0 3 0 6 Hollywood 5 1 5 4 0 3 6 0 24 Broward County 31 3 2 t 7 10 3 5' 0 89 TOTAL 71 6 19 10 14 1 37 71 2 230 Table 21: Housing Discrimination Complaints Received by Broward County Civil Rights Division from Broward County Residents 1998 — 2002 Entitlement jurisdiction Race Color Nat. Ori yin Religion Sex Familial Starus Disability Other Total Ft. Lauderdale 2 1 3 I 3 4 15 Pom ano Beach 1 2 3 Deerfield Beach 5 I 6 Lauderhill 2 1 2 5 Davie 1 I Coral Springs 2 1 2 5 Margate 2 2 4 Plantation 2 2 Tamarac 2 1 3 Miramar I Sunrise Pembroke Pines I 1 I 1 4 Hollywood 1 2 1 4 Broward County 4 2 1 3 5 15 TOTAL 1 5 1 4 1 2 21 21 6� W Table 22: Housing Discrimination Complaints Received by H.O.P.E.. Inc. from Broward County Residents 1998 — 2003 Entitlement Jurisdiction Race Color National Origin Religion Sex Familial Status Disability Other Tocal Ft. Lauderdale 11 3 2 15 4 35 Pom ano Beach 20 1 1 2 3 27 Deerfield Beach 6 3 6 15 Lauderhill 24 5 5 34 Davie 3 2 4 9 Margate 2 2 1 5 Coral Springs 1 1 3 5 Plantation 2 1 3 Tamarac 2 1 I 2 6 Miramar 3 I I 1 6 sunrise 10 2 1 13 Pembroke Pines 5 1 1 2 6 15 Hollywood 15 9 9 9 3 45 Broward County 25 4 7 15 10 61 TOTAL 127 1 29 25 71 26 Z79 ANALYSIS OF IMPEDIMENTS TO FAIR HOUSING CHOICE Conducting an Analysis of Impediments to Fair Housing Choices is a requirement of all entitlement jurisdictions receiving funds through the CDBG program, of US HUD. Section 808 (e) (5) of the Fair Housing Act requires the Secretary of HUD to administer HUD's program in a manner to affirmatively further fair housing. As an entitlement jurisdiction grantee, the City of Tamarac has certified that it administers HUD funded programs including CDBG in a manner that Affirmatively Furtber Fair Housing Choices. Accordingly, an analysis of impediments to fair housing choices is an element of city's certification process. The analysis is designed to identify actions, omissions, or decisions taken because of race, color, religion, sex, disability, familial status, or national origin which restrict housing choices or the availability of housing choices, including actions, omission, or decisions that would have that effect. A comprehensive analysis that would accurately measure existing and potential impediments must include all factors that have a direct or indirect impact on the sale, purchase, or rental of a residential dwelling. These factors must include the availability of: • An Equitable Inventory of Affordable Housing • Employment Opportunities (or reasonable access to thereof) • Public Transportation • Public Schools Classrooms • Stores within reasonable proximity to residency As one of the consultants to the City of Tamarac on housing matters, CRA of Florida, Inc., was retained to conduct this analysis. The findings and conclusions of this analysis are presented in the final segment of this report. Methodology of Analysis Based on the Fair Housing Act, the technical rationale for -an analysis is the existence or identification of substantive or documented impediments. In order to explore impediments to fair housing in the City of Tamarac, CRA designed a survey with questions intended to obtain precise and concrete data from respondents (individuals and agencies) who are directly or indirectly involved in the housing industry in the City of Tamarac. The survey was administered via the Internet, followed with telephone calls and, where granted, face-to-face interviews. The survey was intended to identify 41 substantive impediments to people's housing choices, and to uncover any practices that can become impediments. The Fair Housing Act directed that if an impediment is identified, a grantee must then analyze the impediment to determine its extent and effects, and must design the most effective plan of action to eliminate the impediment. The identification of these potential impediments is a valuable tool in the jurisdiction's effort to affirmatively further fair housing; it allows the jurisdiction to design a preemptive action Plan to address and remedy the impediment before it can become a perennial hindrance to the achievement of people's dream for housing. In order to analyze the existence of, or potential for, impediments to fair housing choices in the City of Tamarac, CRA identified the essential steps in the process, of housing acquisition by purchase or rent. For this analysis, housing means any residential dwelling available for purchase or rent, for example, single-family homes, town homes, condominiums, and apartments. CRA targeted its survey at those who, through their functions, are directly involved in each of the steps or phases of the housing acquisition process. The information collected from the surveys was synthesized and used to analyze each step for verifiable or potential impediments to fair housing choices. For the Tamarac survey, the entities listed in Table 23 provided the information used in this analysis. The method and outcome of the survey of each entity are also summarized in Table 23. These sources were Complemented by data from public data sources, such as the U.S. Census Bureau and Broward County Government, and from private sources, such as Claritas and MapInfo. 42 Table 23: Entities Surve ed, Methods of Survey and Result of Survey Entity Methods Results 1. Housing Opportunities 1. Internet Mail 1. List of housing complaints (Table 22). Project for Excellence, Inc. 2. Phone 2. HMDA data for Broward on order and (H.O.P.E.. Inc.) will be analyzed soon. 3. Knowledge and enforcement mechanism for AFFH are non-existent or weak. 2. Legal Aid Services of 1. Internet Mail 1. Currently deal more with mobile home Broward 2. Phone issues, and not much of fair housing. 2. No systematic documentation of complaints as cases are handled individually. 3. No effective way to address benign impediments that exist. 3. U.S. HUD, Regional 1. Phone None, was directed to H.O.P.E., Inc. Office 4. Broward County Civil 1. Phone No response Ri hts Division 5. Broward Board of I. Phone I. Manual for Continuing Education (see Realtors details below 6. The Greater Tamarac 1. Office Visit I. Chamber Directory and Resource Guide Chamber of Commerce 7. City of Tamarac 1. Internet Mail 1. Documents on city's housing programs Economic Development 2. Phone 2. Copy of city's AFFH resolution Division 3. Office Visit 3. References of other entities to survey 8. Presidents Council, 1. Phone No response Homeowners Associations, Tamarac 9. Fannie Mae 1. Internet Mail No response 2. Phone IO. Local Banks 1. Internet Mail I. Work with city and city's consultant to 2. Phone promote homeownership through creative incentives and loans. 2.. Affordable housing is very good investment in all communities 3. Community Reinvestment Act reporting prohibits lending discrimination/redlinin I1. Property Appraisers 1. Phone 1. Appraisal Guidelines for practitioners Association (see details below 12. Real Estate Mortgage I. Phone 1. Work with cities and lenders to promote Education Company homeownership through creative incentives and loans, and homebuyer education, credit counseling and credit repairs. 13. Office of Starewide I. Internet Mail None Prosecution 2. Phone 43 REALTORS Realtors play a critical role in the housing purchase process. For this analysis. CRA was provided with the training manual which is used to prepare new realtors for licensure and current realtors for recertification. The manual provided to CRA is: O'Donnell, Edward J. 2000/2001 Florida: Continuing Education or Florida Real Estate Pro essionals. Chicago, IL: Dearborn Financial Publishing, Inc, and shows the emphasis placed on fair housing. Chapter 5 (pp. 71-82) of this training manual is titled "Fair Housing and the Americans with Disabilities Act." The chapter can be described as one of the most comprehensive and exhaustive on the subject of fair housing, of many private, non- governmental information sources or references. The chapter traces the history of "The Fair Housing Act", dissects or analyzes the main components of the Act (such as the definition of protected persons under the Act), describes the process of reporting violations of the Act, provides additional websites where information exists on the Act, provides practical (real life) examples of actions prohibited under the Act, provides a step-by-step outline of how to comply fully with the Act, and compares Florida's Americans with Disabilities Act (Chp. 760, F.S.) with the Federal Fair Housing Act. The manual state emphatically (p. 72) that: "The following acts by those owners or brokers are specifically prohibited if they discriminate against a protected person: a. "Steering" in real estate ads or in showing properties. b. "Blockbusting" a neighborhood by attempting to frighten a homeowner into selling. C. "Redlining" by lenders who have different conditions and terms for loans made in certain areas. d. Refusing to rent to, sell to or negotiate with a ,party. e. Quoting d fferent terms or conditions for buying or renting. f. Making a false statement about the availability of housing. g. Denying membership in any real estate service. h. Making discriminating statements about the availability of housing." The manual also added (p.73) that `Brokers must post the Fair Housing Poster in all offices. Failure to do so shifts the burden of proof in discrimination actions to the broker. It is the broker's responsibility to provide training and supervision to ensure compliance with the law." The chapter concluded with a "progress test" to measure the amount of learning that the trainees achieved, since they must show a mastery of the information in order to be certified. 44 REAL ESTATE APPRAISERS Like realtors, real estate appraisers also play a critical role in the housing purchase process. For this analysis, CRA was provided with the training manual which is used to train appraisers for the mandatory once every two years continuing education. The manual provided to CRA is: The Appraisal Foundation, 2000. Uniform Standards- Pro essionalAppraised Practice. 2000 Edition. Washington, D.C. . According to the Appraisal Standard Board (ASB) of the Appraisal Foundation, "The purpose of these Standards is to establish requirements far professional appraisal practice, which includes appraisal, appraisal review, and consulting, as defined. The intent of these Standards is to promote and maintain a high level of public trust in professional appraisal practice," p. I. In the manual, directly related to fair housing is the section called Advisory Opinion t 6(Ao- t 6), p. t3 6, the title of which is "Fair Housing Laws and Appraisal Report Content." ASB emphasizes that fair housing law(s) preclude the use of certain specific information or supported conclusions related to protected group(s) in some assignments. Accordingly, an appraiser should be knowledgeable about the laws that affect the subject property of an assignment. Further, appraisers must continue to provide appraisals that do not illegally discriminate or contribute to illegal discrimination. The conduct section of the ETHICS RULE states in part: "An appraiser must not use or rely on unsupported conclusions relating to characteristics such as race, color, religion, national origin, genders, marital status, age, receipt of public assistance income, handicap, or an unsupported conclusion that homogeneity of such characteristics is necessary to maximize value," (p. 13 6). 45 CONCLUSION The analysis in this study was conducted using the combination of data collected from the surveys, interviews and official documents available to the consultants who conducted the study. This analysis showed that the City of Tamarac, like all municipalities in Broward County, is, making practical efforts to ensure equitable access to fair housing choice. Some evidence in support of these efforts are the City Commission's affordable housing resolution, shown in Appendix I of the study, and the relatively balanced or fair share of housing opportunities and burdens between the main racial groups in Tamarac, as Table 24 demonstrates, using renter -occupied housing as an example. In spite of these strides, however, the general regional or county -wide barriers to fair housing choice affect the City of Tamarac in very direct and practical ways. This is the primary reason for the recommendation 'in this study, that the city work hand in hand with all other municipalities and housing advocacy and provider agencies in the county, to co -fund, support, promote and implement the fair housing activities delineated throughout this study. Table 24: Housing Costs for Renter Occupied Housing Units as a Percentage of Household Income by Kace tes''. J, U I 6 P0, 0.00 Mw V-85 .7 Gross rent as a percentage of household incorne; Less 93 2.39% 35 4,02% 34 3.19% C, than 10.?,,X!!� 0 -.,.f h -7 IN _19 c M�pt Gross rent as a percentage of household in . come; 607 15-59% 147 16.88% 123 12.00% 15.0 to 1 ?.9 p�!!�Snt .. .. .... ...... u r3 f j" M K . .... . . .. O,� 41, M Gross rent,2$ 2 percentage of household income; 420 10-79% 127 14-58% 172 16-12% I C IN — e E t of hi 0 cw. 1A age ous o inc L j." :t i.K7 6ross rent as a percentage of household income; 183 4.70% 33 3.79% 57 5,34% 3 5,0 to 3 9.9 percent i�ti�e.Abusehold in co n a me; 04 "OK Gross rent as a percentage of household income; 655 16,83% 140 16.07% 176 16-40% 50,0 percent or more b age 4. income; Not 466. .1.1-91% i s6 6,43%. 4-;!97 , This study discovered also that, from the political, legal, moral, technical and administrative standpoints, equitable access to fair housing choice is a multi- dimensional and complex issue, which is as difficult to track and monitor as it is to 11 R, address. Yet, there is no doubt that pragmatic efforts to address fair housing choice has measurable and desirable effects for the health and wellbeing of individuals in particular, and their communities in general. It is this regard that this study recommended that the City of Tamarac and Broward County elevate their levels of commitment to, and funding for, fair housing initiatives, and by extension, the provision of safe, decent and affordable housing and neighborhoods for all their residents. In addition to, and in spite of, the findings above, this analysis also detected a lot of `concern' or 'uneasiness', particularly among housing advocates and activists, who believe or suspect that subtle and benign impediments still exist, especially in the private sector, to fair housing choices for low-income people. These viewpoints are both genuine and subjective, depending on the entity that responded to the survey. The data provided on the discrimination complaints filed with pertinent agencies in the region leaves little or no room to indict the City of Tamarac on fair housing charges. The consensus that was deciphered from all the respondents to the survey for this analysis is that there is a need for concerted effort by the federal, state and local governments in the following areas. I. The need to increase outreach and education opportunities for those desiring housing, about their rights, roles and responsibilities. This view emanated from those who argue that many low-income people who encounter impediments do not recognize it, nor know how to report it. Many who detect it often do not find it worth their time to report and go through the investigation burden. 2. The need to design measurable factors to define discrimination. This is based on the view that discrimination is so loosely defined that the burden seems to be on the victimized to proof an incident. 3. The need to establish confidential and competent. complaint channels. This is based on the view that the mechanisms or channels of reporting incidents of discrimination are neither confidential, efficient nor effective. Many of the channels are under -funded, under -staffed, too bureaucratic, and sometimes intimidating for the 'unsophisticated' complainant. 4. The need to criminalize housing discrimination, accompanied with stiff penalties to ensure compliance and enforcement of the Fair Housing Act. In addition to these suggestions deciphered from those surveyed for this analysis, CRA further suggests the following measures. EVl I. Intensify the city's current community outreach efforts to disseminate information on the Fair Housing Act and the City's commitment to affirmatively further fair housing. Z. Require and fund city housing staff to participate in local and regional fair housing conferences and workshops. 3. Explore the possibility of collaborating with municipal and non-profit entities in the region, that may be interested in conducting compliance research to more accurately identify current and potential impediments to fair housing choices, and to test the accuracy of the current results derived from the analysis. This compliance research should include Test Teams reflective of those segments of the community that fair housing regulations are intended to protect. 4. Explore the possibility of collaborating with municipal and non-profit entities in the region, that may be interested in annually reviewing Horne Mortgage Disclosure Act Data supplied to the Federal Financial Institution Examination Council with regard to local lending patterns. This review is expensive and cost - sharing may be an option for municipalittes to conduct the exercise. 5. Work hand -in -hand with Homeowners Associations to design and implement, as part of their periodic meetings, creative and entertaining awareness events on all aspects of homeownership, including fair housing. An example could be a brief but dramatic information video on what impediments to fair housing choices are, how prospective home buyers or renters to can detect them, and what to do when one is a victim of an impediment. 48 Appendix I: FAIR HOUSING RESOLUTION OF THE CITY OF TAMARAC 49 FAIR HOUSING RESOLUTION OF THE CITY OF TAMARAC io May 10; 2000 - Temp. Reso. #9026 Revision No. 1 - May 16, 2000 Revision No. 2 - May 17, 2000 Revision No. 3 - May 18, 2000 CITY OF TAMARAC, FLORIDA RESOLUTION NO. R-2000-139 A RESOLUTION OF THE CITY COMMISSION OF THE CITY OF TAMARAC, FLORIDA, .TO ENDORSE THE FAIR HOUSING ACT, PART11, FLORIDA STATE STATUTES 760.20 - 760.37 U.S. DEPARTMENT OF HOUSING & URBAN DEVELOPMENT COMMUNITY DEVELOPMENT BLOCK GRANT PROGRAM FOR THE IDENTIFICATION AND MANAGEMENT OF FAIR HOUSING ISSUES, AND REFER ALL FAIR HOUSING ISSUES AND COMPLAINTS TO THE U. S. DEPARTMENT OF HOUSING & URBAN DEVELOPMENT, OFFICE OF FAIR HOUSING AND EQUAL OPPORTUNITY, OR THEIR DESIGNEE, FOR INVESTIGATbN AND ENFORCEMENT; CASE NO. 14-MI-00; PROVIDING FOR CONFLICTS; PROVIDING FOR SEVERABILITY; AND PROVIDING FOR AN EFFECTIVE DATE. WHEREAS, the U. S. Department of Housing and Urban Development (HUD) has authorized the City to submit its application as a direct entitlement city to receive HUD's Community Development Block Grant (CDBG) funds; and WHEREAS, the City of Tamarac must adopt provisions or policies for identifying and managing Fair Housing Act issues; and WHEREAS, the City of Tamarac supports and endorses all Florida Statutes, including F.S. Chapter 760. Part II, the Fair. Housing Act; and WHEREAS, the Director of Community Development recommends approval; and May 10, 2000 - Temp. Reso. #9025 2 Revision No. 1 - May 16, 2000 Revision No. 2 - May 17, 2000 Revision No. 3 - May 18, 2000 WHEREAS, the City Commission of the City of Tamarac, Florida deems it to be in the best interests of the citizens and residents of the City of Tamarac to endorse the Fair =N Housing Act, Part II, Florida State Statutes 760.2 - 760.37 U. S. Department of Housing & Urban Development Community Development Block Grant Program for the identification and management of fair housing issues, and refer all Fair Housing issues and complaints to the U. S. Department of Housing & Urban Development, Office of Fair Housing and Equal Opportunity, or their designee, for investigation and enforcement. NOW, THEREFORE, BE IT RESOLVED BY THE CITY COMMISSION OF THE CITY OF TAMARAC, FLORIDA: SECTION 1: The foregoing "WHEREAS" clauses are hereby ratified and confirmed as being true and correct and are hereby made a specific part of this Resolution. SECTION 2: That the City Commission endorses the Fair Housing Act, Part 11, Florida State Statutes 760.2 - 760.37 U. S. Department of Housing & Urban Development Community Development Block Grant Program (attached hereto as Exhibit "1') for the identification and management of fair housing issues, and refer all Fair Housing issues and complaints to the U. S. Department of Housing & Urban Development, Office of Fair Housing and Equal Opportunity, or their designee, for investigation and enforcement. SECTION 3: All resolutions or parts of resolutions in conflict herewith are hereby repealed to the extent of such conflict. a .N May 10, 2000 - Temp. Reso. #9026 3 Revision No. 1 — May 16, 2000 Revision No. 2 -- May 17, 2000 Revision No. 3 — May 18, 2000 SECTION 4: If any clause, section, other part or application ofthis Resolution is held by any court of competent jurisdiction to be unconstitutional or invalid, in part or application, it shall not affect the validity of the remaining portions or applications of this Resolution. SECTION 5: This Resolution shall become effective immediately upon its passage and adoption. n PASSED, ADOPTED AND APPROVED this v2i4" day of .2000. JOE SCHREIBER MAYOR ' = . MARION SWENSON, CMC INTERIM CITY CLERK 1 HEREBY CERTIFY that I have approved this R TION as to form. i_. it �i MITCHE T CITY ATTORN comrndevlu:%patsluserd ata%wpdatake st9026re s o RECORD OF COMMISSION VOA �t.HYOR SCHREIBER O:ST 1: COMM. PORTNER DIST 2: COMM. MISHKIN �.Lr DIST 3: COMM. SULTANOF DIST 4: VIM ROBERTS APPENDIX Vlll CITY RESOLUTION City of Tamarac Consolidated Plan 2005-2010 47 6/6/2005 2:58:57 PM