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City of Tamarac Resolution R-2010-102
Temp. Reso. #11831 Page 1 of 4 June 16, 2010 RESOLUTION NO. R-2010- VOO? 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 YEARS 2010/2011- 2014/2015; TOGETHER WITH THE FISCAL YEAR 2010 (CITY'S ELEVENTH 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-10; 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 2010) funding allocation in the estimated amount of $452,940 under the Community Development Block Grant ("CDBG") Program for the City's Eleventh Program Year, effective October 1, 2010; 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, County, City, and State statistics depicting City -specific housing and population statistics reported in several formats; and WHEREAS, City staff has completed preparation of the City's Consolidated Plan, a copy of which is attached hereto as Exhibit "A"; and WHEREAS, the recommended projects for inclusion in the Fiscal Year 2010 Annual action Plan for expenditure was approved by the City Commission on July 14, Temp. Reso. #11831 Page 2 of 4 June 16, 2010 2010 through the adoption of a Resolution, a copy of which is attached hereto as Exhibit "B", and must be submitted along with the City's Consolidated Plan to HUD; 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 2010/2011-2014/2015, and approve the Fiscal Year 2010 Annual Action Plan for expenditure of the U.S. Housing and Urban Development Community Development Block Grant funds estimated to be $452,940 for the Eleventh Program Year. 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 for Fiscal Years 2010/2011-2014/2015, which is attached hereto as Exhibit "A". SECTION 3: That the City Commission hereby authorizes the appropriate City Officials to submit the Consolidated Plan together with the City's Action Plan, to the 1 1 1 Temp. Reso. #11831 Page 3 of 4 June 16, 2010 U.S. Department of Housing and Urban Development ("HUD") for the Community Development Block Grant ("CDBG") Program for funds for HUD's Fiscal Years 2010/2011-2014/2015. SECTION 4: All resolutions or parts of resolutions on in conflict herewith be, and the same 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 Resolution. SECTION 6: This Resolution shall become effective immediately upon its passage and adoption. (REMAINDER OF PAGE INTENTIONALLY LEFT BLANK) Temp. Reso. #11831 Page 4 of 4 June 16, 2010 PASSED AND ADOPTED BY THE CIT =ISSION OF THE CITY OF TAMARAC, FLORIDA THIS %�' DAY OF , 2010. CITY OF TAMARAC, FLORIDA BETH TALABISCO, MAYOR ATTEST: M �"AR 10 INW-'� i4�9mc •!• I HEREBY CERTIFY that I have approved this RESOLUTION as to form. A" - 7)�t�D SAIdUEL S. G r%jsEN CITY ATTO NEY Record of COMMISSION VOTE: MAYOR TALABISCO DIST 1: COMM BUSHNELL DIST 3: COMM GLASSER DIST 4: VM DRESSLER cLt� or SSG:DNT:dnt HA2005\050164 TAMARAC\RESO 2010\TR 11831 (5 Year CDBG Consolid Plan).doc CITY OF TAMARAC, FL 5-Year Consolidated Plan Community Development Block Grant (CDBG) Program Fiscal Years 2010/2011 - 2014/2015 Prepared by. City of Tamarac Community Development Department Housing Division Submitted to: U.S. Department of Housing and Urban Development The Office of Community Planning and Development Miami Field Office 1 TABLE OF CONTENTS General Executive Summary Introduction 6 Existing Program 7 Accomplishments (Past 5 Years) 7 How Market Forces Affected This Strategic Plan 8 FY 2010/2011 Proposed Activities 9 Managing the Process Overall Goals 10 Consultation 91.200 (b) 11 Citizen Participation 91.200 (b) 14 Housing and Homeless Needs General Population Characteristics 17 Housing Characteristics and Categories of Persons Affected 18 Table A:Broward County Household Income Limits 18 Housing Needs 91.205 19 Table B: 2000 Housing Needs of Renter Households 19 Table C: 2000 Housing Needs of Home Owner Households 20 Table D: Substandard Housing Units 21 Terms 21 Homeless Needs 91.205 (c) 23 Non -Homeless Special Needs 91.205 (d) including HOPWA 28 Table E: Special Needs Facilities 28 Lead based Paint 91.205 (e) 31 Housing Market Analysis 91.210 Housing Supply 31 Table F: Tenure of Housing Units 32 Public and Assisted Housing 91.210 (b) 33 Homeless Inventory 91.210 (c) 34 Special Needs Facilities and Services 91.210 (d) 34 Barriers to Affordable Housing 91.210 (e) 35 Strategic Plan General Priority Needs Analysis and Strategies 91.215 (a) 35 Specific Objectives 91.215 (a) (4) 37 Priority Housing Needs 91.215 (b) 40 Specific Objectives/Affordable Housing 91.215 (b) 43 Federal Resources 45 2 State Resources 45 Public Housing Strategy 91.215 (c) 47 Priority Homeless Needs 48 Homeless Strategy 91.215(d) 48 Specific Objectives/Homeless 91.215 50 Priority Non Homeless Needs 91.215 (e) 51 Specific Special Needs Objectives 91,215 (e) 52 Priority Community Development Needs 91.215 (f) 53 Specific Community Development Objectives 54 Neighborhood Revitalization Strategy Areas 91.215 (g) 55 Barriers to Affordable Housing 91.215 (h) 55 Lead -Based Paint 91.215 (i) 58 Antipoverty Strategy 91.215 0) 58 Institutional Structure 91,215 (k) 59 Coordination 91.215 (1) 60 Monitoring 91.230 61 Housing Opportunities for People with AIDS (HOPWA) 61 Specific HOPWA Objectives 62 Other Narratives and Attachments 63 Annual Action Plan Executive Summary 64 Citizen Participation Plan 91.220 (b) 65 Resources 91.220 (c) (1) and (c) (2) 67 Annual Objectives 91.220 (c) (3) 69 Description of Activities 91.220 (d) and (e) 70 Objectives 73 Performance Measurements 74 Geographic Distribution/Allocation Priorities 91.220 (d) and (f) 74 Annual Affordable Housing Goals 91.220 (g) 75 Public Housing 91.220 (h) 76 Homeless and Special Needs 91.220 (i) 77 Barriers to Affordable Housing 91.220 0) 77 Other Actions 91.220 (k) 78 Program Specific Requirements CDBG 91.220 (1) (1) 79 HOME 91.220 (1) (2) 80 HOPWA 91.220 (1) (3) 82 Other Narratives and Attachments Fair Housing 82 3 SF-424 Certifications Appendix to Certifications U.S Department of Housing and Urban Development Consolidated Plan Tables Table 1A - Homeless and Special Needs Populations Table 1 B - Special Needs (Non -Homeless) Populations Table 1C - Summary of Specific Housing/Community Development Obj. Table 2A - Priority Housing Needs/Investment Plan Table Table 2B - Priority Housing Needs/Investment Plan Goals Table 2C - Summary of Specific Housing/Community Development Obj. Table 3A - Summary of Specific Annual Objectives Table 3B - Annual Affordable Housing Completion Goals Table 3C - Consolidated Plan Listing of Projects APPENDIX I Citizen Participation Plan APPENDIX II Community Needs Survey Results APPENDIX III Chas 2000 APPENDIX IV CDBG Low -Moderate Area Map APPENDIX V Analysis of Impediments -Update APPENDIX VI Resolution 4 CITY OF TAMARAC FY 2070/11-2014/2075 Consolidated Plan DUNS #077270940 City of Tamarac Mayor Beth Flansbaum-Talabisco Vice -Mayor Harry Dressler Commissioner Pamela Bushnell Commission Diane Glasser Commissioner District 2 - Vacant City Manager Jeffrey L. Miller Our Vision The City of Tamarac, Our Community of Choice -Leading the nation in quality of life through safe neighborhoods, a vibrant community, exceptional customer service and recognized excellence. Our Mission We "Committed to Excellence... Always" It is our job to foster and create an environment that: Responds to the Customer Creates and Innovates Works as a Team Achieves Results Makes a Difference Our Values As stewards of the public trust, we value: Vision Integrity Efficiency Quality Service 5 G �W DENS S Year Strategic Plan This document includes Narrative Responses to specific questions that grantees of the Community Development Block Grant, HOME Investment Partnership, Housing Opportunities for People with AIDS and Emergency Shelter Grants Programs must respond to in order to be compliant with the Consolidated Planning Regulations. ww. RyiAruarLal76Yr]msom Consolidated Plan Time Period: CITY OF TAMARAC, FL FY 201012011— FY 201412015 Emm Executive Summary The Executive Summary is required. The Summary must include the objectives and outcomes identified in the plan and an evaluation of past performance. S Year Strategic Plan Executive Summary: 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 second 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 2010-2011, the City of Tamarac will receive $452,940.00 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 5-year Consolidated 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 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 G1 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. 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. EXISTING PROGRAM The City of Tamarac receives federal funding under both the CDBG and HOME program. Additional funds are received from the State's, State Housing Initiative Partnership (SHIP) Program. To date activities approved using these funding sources focus on housing assistance (home rehabilitation), public service, and public facilities improvements. These activities benefit residents by direct assistance or indirectly through area -wide or limited clientele activities based on low -moderate income determinations. ACCOMPLISHMENTS Over the last five years, U.S Department of Housing and Urban Development (HUD) funds (CDBG & HOME) have assisted with the following: ❖ Provided home rehabilitation for over 81 owner -occupied homes. Provided disaster mitigation for 5 owner -occupied homes. + Installation of 2 handicap accessibility doors at Tamarac Community Center for the restroom doors. ❖ Installation and repair of 28 sidewalks, and accessibility pads. •A Provided a full-time temporary social worker that assisted over 447 residents in obtaining referrals, counseling and other social service needs. ❖ Provided arthritis meditation/tai chi classes to 565 seniors. ❖ Provided fitness/jazzercise classes for 575 seniors. ❖ Provided senior skills training for 285 residents to learn to cope with the aging process and new and/or different ways to accomplish practical tasks. 4• Provided the opportunity for over 906 seniors to take part in a "Hearts N Parks" exercise class. + Provided over 187 sessions of individual and group counseling. fA HOW MARKET FORCES AFFECTED THIS STRATEGIC PLAN Affordable Housing: Since the 2005 housing boom and the rapid fall in the subsequent years, Tamarac's housing market has continued to suffer. Property values within the City have steadily dropped, foreclosures have steadily climbed, and the number of residents qualifying for first mortgages to purchase a home has also plummeted. All of these factors have resulted in struggling multi -family condominium associations, increases in rental costs, reduced City revenue from property value reductions, and families with little to no options. As a result, the City's CDBG. and HOME program funds have been in high demand as homeowners find themselves without savings and homes in need of repair. Given these facts home rehabilitation has been a high priority. The City will continue to fund home rehabilitation in an effort to address two goals of the HUD programs: (1) to provide suitable living environment, (2) to provide decent housing. Homeless The City is a member of the Broward County Homeless Partnership Initiative, which is the lead agency for the regional (Broward County) Continuum of Care. The City supports the Initiative and its efforts to end homelessness. During a recent (2009) one- night, over -night sweep of the homeless population in Broward County, it was noted that less than 1 % of the homeless population reside in the City of Tamarac, therefore this has been a medium priority. To date no information is readily available to assess the nature and extent of homelessness in Tamarac by racial and ethnic group. People with Special Needs The City utilizes the 15% cap on CDBG funds for public services each year. Due to Tamarac's demographics in the past had a tendency to focus its funds on the senior population and provided several activities and services to the same. Although the non - homeless special needs population is a medium priority, the City intends to continue supporting and funding activities in this area. In the past few years the average age of Tamarac residents has showed a steady decrease. As a result, the City has begun offering and planning for additional services to meet the needs of its "at risk" youth. Several resources are available within and outside of the City limits for those with other special needs. The CDBG program funds a social -worker who assist with making the appropriate referrals, seeking alternative services, and additional agencies to help those with special needs. Community Development The City continually evaluates the physical state of its public facilities and infrastructure for systematic upgrades. A revitalization of Tamarac's older low-income neighborhoods and commercial areas is an on -going concern making community development a high priority. Activities of importance have been improvements to sidewalks and public 8 facilities. Code Enforcement plays a big role in maintaining a safe and vibrant community by enforcing both the City and Florida Building Code. FY 2010/2011 One -Year Action Plan The City intends to undertake the following activities in FY 2010/2011: HOME SHIP Home Rehabilitation Public Facilities Improvement/Low-Mod Area benefit (Sidewalks) Public Service English Language Course for Adults & Seniors Temporary Full -Time Social Worker Contractual Counseling Services Fit "4" U classes Home Rehabilitation Down Payment Assistance Home Rehabilitation Minor Home Rehabilitation Roof Repair Storm Shutters/Impact Resistant Windows Emergency Repair Disaster Relief (As needed) E Strategic Plan Due every three, four, or five years (length of period is at the grantee's discretion) no less than 45 days prior to the start of the grantee's program year start date. HUD does not accept plans between August 15 and November 15. This Strategic Plan is for the City of Tamarac's next Five Program Years FY 2010/2011 — FY 2014/2015 CITY'S MISSION STATEMENT We "Committed to Excellence... Always" It is our job to foster and create an environment that: Responds to the Customer Creates and Innovates Works as a Team Achieves Results Makes a Difference COMMUNITY DEVELOPMENT/HOUSING MISSION The City's Community Development/Housing Mission is to help its residents achieve self-sufficiency through decent housing; a suitable living environment; and expanded economic opportunities. OVERALL GOALS: The following goals show how the City will carry out is mission: SPECIFIC GOALS: Housing and Homeless ❖ Provide housing assistance. Home Rehabilitation (minor or major) of owner - occupied properties owned by low -moderate income households, including barrier free accessibility. As program funding and housing needs fluctuate over the next five years, the City will continually monitor the immediate needs of its residents to determine the best activities to address the need as part of the City's Annual Action Plans. ❖ Preserve existing housing stock through assistance by the Code Enforcement Division and Building Department. •- Encourage the construction of high quality affordable rental and owner -occupied housing. d• Demolish unsafe structures as identified. ❖ On -going coordination for services and housing for the homeless. SPECIFIC GOALS: Community Development: •:* Community Self -investment in low/moderate income areas. •'r Facilities/services to address critical social needs. Facilities/services for seniors, children and persons with special needs. SPECIFIC GOALS: Emergencies ❖ Governmental response to emergency/life threatening situations. Consolidated Plan Data Sources In order to forecast goals, determine deficiencies, evaluate demographics, and meet the needs of the residents of Tamarac, the City's utilizes this Consolidated Plan and its data to set objectives for the next five years. Various data sources as well as local resources are utilized to complete the Consolidated Plan. The U.S Department of Housing and Urban Development also makes numerous data resources available. The main data resource is the U.S Census. Although the 2010 Census is currently taking place, that data is not available prior to the completion of this Consolidated Plan. Therefore, data from the 2000 Census will be used for certain data points. However, since the 2000 Census, several updated data sets have been prepared by the US Census, American Fact Finder, American Community Survey on an annual and tri-annual basis. Data from these tables were also utilized to prepare the Consolidated Plan. The City of Tamarac expects to update its 5-year plan when the 2010 Census data is released. Each table will reflect the data resource utilized. Consultation 91.200(b) 1. Identify the lead agency or entity for overseeing the development of the plan and the major public and private agencies responsible for administering programs covered by the consolidated plan. The City of Tamarac is the lead agency for completing the City's Consolidated Plan and the CDBG program. The City receives its HOME funds through the Broward County HOME Consortium. All other grant funds received from other entities are administered by the City. 2. Identify agencies, groups, and organizations that participated in the process. This should reflect consultation requirements regarding the following: • General §91.100 (a)(1) - Consult with public and private agencies that provide health services, social and fair housing services (including those focusing on services to children, elderly persons, persons with disabilities, persons with HIV/AIDS and their families, homeless persons) during the preparation of the plan. 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 11 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 county -wide public hearing was conducted by Broward County Community Development Division on October 21, 2009; 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 City 30-day public review period began June 14, 2010 and ended July 14, 2010. The first local public hearing was conducted by the City's Planning Board, on June 16, 2010, to receive comments on recommendations for the 5-Year Consolidated Strategic Plan and the Annual Action Plan. The City Commission on July 14, 2010 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 (2010-2014) the City sent out a "Needs Survey" to local and internal service providers as well as posted the survey on-line for additional public input. 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. The "Community Needs Survey" was sent to the following agencies, in addition to being placed on the City's website: Northwest Focal Point, Leo Goodman Care Center, NW Federated Women' Club, Broward County Housing Department, Broward County Housing Authority, Broward House and City of Tamarac Social Services Division. See Appendix II for results for the Community Needs Survey. 12 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. • Homeless strategy §91.100 (a)(2) — Consult with public and private agencies that provide assisted housing, health services, and social services to determine what resources are available to address the needs of any persons that are chronically homeless. The City is a member of the Broward County Homeless Partnership Initiative, which is the lead agency for the regional (Broward County) Continuum of Care. The City supports the Initiative and its efforts to end homelessness. Through regular meetings and reports provided by Broward County, the City is kept up to date with Tamarac's homeless population. Broward's Continuum of Care addresses all aspects of homelessness including prevention, outreach, emergency shelter, transitional and permanent affordable housing, and supportive services. This work includes: • Facilitating community, business and governmental involvement in the homeless continuum of care • Direct oversight of the County's three regional Homeless Assistance Centers • Creating new and innovative programs to serve Broward's homeless population (such as the County's first homeless medical respite care facility) • Participation in the creation of applications and requests for proposals + Lead lead -based paint hazards §91.100 (a)(3) —Consult with State or local health and child welfare agencies and examine existing data related to lead -based paint hazards and poisonings. The City has a contract with a Lead Based Paint Consultant for the assessment and abatement of any lead based paint identified during the home rehabilitation process. Broward County Building Department also monitors City permits with regard to lead based paint to ensure proper assessments and abatement is conducted when identified. + Adjacent governments §91.100 (a)(4) --Notify adjacent governments regarding priority non -housing community development needs. Through routine and planned meetings, the City interacts with surrounding municipalities to ensure the area -wide needs of the community are being addressed. 13 + Metropolitan planning §91.100 (a)(S) -- Consult with adjacent units of general local government, including local government agencies with metropolitan -wide planning responsibilities, particularly for problems and solutions that go beyond a single jurisdiction, i.e. transportation, workforce development, economic development, etc. Several members of City staff are members of general local government planning boards, committees and sub -committees at which county -wide coordination is reached on issues pertaining to planning, transportation, housing, community development and neighborhood revitalization. The City is a member of the Broward County Metropolitan Planning Organization (MPO). Additionally, staff from the Housing Division is a member of the Broward County Community Development and Housing Task Force. This Task Force is comprised of municipalities, financial institutions, US Department of Housing and Urban Development, state agencies such as the Insurance Commission, housing counseling agencies, non-profit organizations and others. The Task Force coordinates events such as: Foreclosure Prevention Workshops and Homebuyer Workshops. • HOPWA §91.100 (b) -- Largest city in EMSA consult broadly to develop metropolitan - wide strategy for addressing needs of persons with HIV/AIDS and their families. The City of Tamarac does not receive HOPWA funding. • Public housing §91.100 (c) --Consult with the local public housing agency concerning public housing needs, planned programs, and activities. The City consults with local senior and special needs agencies to ensure adequate housing is available; future housing is planned according to need and/or demand, and population projections; and meets with those interested in developing within the City to guarantee Tamarac residents have decent affordable housing available to them. Additionally, information provided by Broward Housing Authority was used to report on public housing within the County and the City of Tamarac. Citizen Participation .91.200 (b) I Based on the jurisdiction's current citizen participation plan, provide a summary of the citizen participation process used in the development of the consolidated plan. Include a description of actions taken to encourage participation of all its residents, including the following: • low- and moderate -income residents where housing and community development funds may be spent; • minorities and non-English speaking persons, as well as persons with disabilities; 14 • local and regional institutions and other organizations (including businesses, developers, community and faith -based organizations); • residents of public and assisted housing developments and recipients of tenant - based assistance; • residents of targeted revitalization areas. City mailed Community Needs Survey January 25, 2010 (Posted on City's website as well) Community Development/Housing to solicit project March 11, 2010 recommendations from Department heads Advertisement for Public Hearing with City Planning Board June 13, 2010 Public Hearing at the Planning Board for input June 16, 2010 of activity proposals Advertisement for 30-day review period and Public June 13, 2010 Hearing on proposed FY 10/11 Annual Action Plan & Con Plan Beginning of 30-day review period June 14, 2010 Advertisement for Public Hearing with City Commission July 11, 2010 for final approval End of 30-day review period July 13, 2010 Commission approval and review/public hearing of July 14, 2010 recommended activities for final approval Prepare and publish FONSI/RROF Sept. 1, 2010 Send HUD RROF Form 7015.15 Sept. 30, 2010 Wait for HUD Clearance to commit funds As mentioned above: "During the development of the Five Year Plan (2010-2014) the City sent out a "Needs Survey" to local and internal service providers as well as posted the survey on-line for additional public input. 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." I&I 4. Provide a description of the process used to allow citizens to review and submit comments on the proposed consolidated plan, including how the plan (or a summary of the plan) was published for review; the dates, times and locations of a public hearing, or hearings; when and how notice was provided to citizens of the hearing(s); the dates of the 30 day citizen comment period, and if technical assistance was provided to groups developing proposals for funding assistance under the consolidated plan and how this assistance was provided. 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 and on the City's website at the City's discretion. Meetings and Hearings The City of Tamarac conducted two (2) public hearings to obtain citizen's views. Each public hearing notice was published in the "Sun Sentinel" in advance of the public hearing date. The City encouraged participation by handicapped residents who may require auxiliary aids for communication. Upon request, these auxiliary aids were available to City residents. Whenever possible, the City produced a verbatim record by recording the hearings and a transcript could have been made available for future reference if requested. 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 supported by resolution the plan of action to promote the community development vision of the City's Consolidated Plan. All records relating to the development of the Consolidated 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. 5. Provide a summary of citizen comments or views received on the plan and explain any comments not accepted and reasons why these comments were not accepted. *Please note that Citizen Comments and Responses may be included as additional files within the CPMP Tool. 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 16 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. During the public notice phase as well as public hearings, rirIt+�ttttt+ll rc�ec. HOUSING AND HOMELESS NEEDS ASSESSMENT General Population Characteristics Growth within the City has slowed due to build out and the currently poor economy, which mirrors the population statistics and demographic changes statewide. New residents have been attracted to Tamarac by its climate, relatively low property taxes and non-existent state income tax. However, the demographics of the City have been the greatest change with the median age dropping from 52.9 to 49.3 and the increase percentages of races other than white over the past five years. The 65 and older population represents 28.9 percents of the persons in the City, as estimated by the U.S Census Bureau 2006-2008 American Community Survey (ACS). In preparing this 5-year Consolidated Plan, statistics from the 2006-2008 American Community Survey 3-year estimates were utilized, along with various other data sources. This data provides the most current portrait of the City of Tamarac housing, social and economic profile. In 2005, the population of Tamarac was projected at 58,674. According to the ACS, the population of Tamarac is estimated at 63,013. This poses a 12% increase from the 2000 Census data reported at 55,588. Also in the 2006-2008 ACS, 70.7 percent of the residents in Tamarac were white (one - race) as compared to the 2000 Census when the percentage was over 82 percent. Minority population gains were as follows: 23 percent of the city residents are of Hispanic origin and may be of any race; black residents represent 20.6 percent, and Asian or Pacific Islander residents represented 2.9 percent of the population and "Some other race" accounts for approximately 6.2 percent. There are 33,622 housing units in the City. It should be noted that 44.8 percent of the households are headed by married couples. The City's current unemployment stands at approximately ten percent (10%) which is unusually high and a sign of the economic state of the country. The 2000 median family income in Tamarac was $34,290 while the current figure as of March 2010 was $66,600 for Broward County (the Ft. Lauderdale MSA). HUD utilizes the median family income for determining low and moderate income persons, Table A. According to the 2006-2008 ACS "Poverty Status in the Past 12 Months for Families" Table, 27.3% of families within the City of Tamarac are at poverty status. 17 Housing Characteristics and Categories of Persons Affected The 2006-2008 housing stock is comprised of a total of 33,622 housing units, of which 10.8 percent were vacant. The 30,001 occupied units consisted of 24,597 units that were owner occupied and 5,404 housing units were renter occupied. The housing stock within the City of Tamarac is relatively new, with 92% 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. One possible side effect of build -out is an increase in turnover, higher prices, a slow re -sale market, the high number of foreclosures, and increases in rent for non -homeowners which ultimately, could negatively affect affordability. 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 AMI 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. It is anticipated that an increase will occur in the number of households needing assistance in foreclosure prevention due to the high number of households that are cost -burdened as indicated in Tables B and C. The American Community Survey data for Tamarac indicates that 18% of its housing units are renters and 82% are owner occupants (See Table F). Income limits set forth b HUD are followed when determining eligibility for all housing programs. The chart below shows the current HUD Income Limits for 2010. TABLE A: BROWARD COUNTY 2010 INCOME LIMITS 2010 INCOME LIMITS Family Size Extremely Low Income 30% Very Low Income 60% Low Income 80% Moderate Income 120% 1 $16,650.00 $27,750.00 $44,350.00 $66,600,00 2 $19,000.00 $31,700,00 $50,700.00 $76,080.00 3 $21,400.00 $35,650.00 $67,060.00 $85,560.00 4 $23,750.00 $39,600.00 $63,350.00 $95,040.00 5 $25,650.00 $42,800.00 $68,4%00 $102,720.00 6 $27,550.00 $45,950.00 $73,500.00 $110,280.00 7 $29,450.00 $49,150.00 $78,600.00 $117,960.00 8 $31,350.00 $52,300.00 $83,6%00 $125,520.00 Housing is considered to be affordable, when not more than 30% of the net household income goes toward housing expenses. 18 Hoccsing Needs 91.205 *If not using the CPMP Tool: Complete and submit CHAS Table from: htt 2: //.socd s. huduser. or° /scripis/odbic. exe%hasiindex. him *If using the CPMP Tool: Complete and submit the Needs/Housing Table 6. In this narrative, describe the estimated housing needs projected for the next five year period for the following categories of persons: extremely low-income, low-income, moderate - income, and middle -income families, renters and owners, elderly persons, persons with disabilities, including persons with H MAIDS and their families, single persons, large families, public housing residents, victims of domestic violence, families on the public housing and section 8 tenant -based waiting list, and discuss specific housing problems, including: cost -burden, severe cost- burden, substandard housing, and overcrowding (especially large families) and substandard conditions being experienced by extremely low- income, low-income, moderate -income, and middle -income renters and owners compare to the jurisdiction as a whole The jurisdiction must define the terms "standard condition" and "substandard condition but suitable for rehabilitation. " Table B summarizes the household size and income categories of the very low, low and moderate income rental households, 2000 CHAS data, Appendix 111. TABLE B: 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 a=50% MFI 598 547 122 355 1,622 2. Household Income <=30% MFI 340 204 73 240 857 3. % with any housing problems 58.8 90.2 94.5 66.7 71.5 4. % Cost Burden >30% 58.8 82.8 46.6 66.7 65.7 5. % Cast Burden >50% 55.9 77.9 32.9 58.3 59.9 6. Household Income >30% to <=50% MFI 268 343 49 115 765 7. % with any housing problems 63.2 98.8 100 73.9 83.1 8. % Cost Burden >30% 63.2 98.8 100 73.9 83.1 9. % Cost Burden >50% 32.6 39.1 82 47.8 36.2 10. Household Income >50 to t=80%MFI 250 494 94 300 1,138 11. % with any housin roblems 44.0 68.6 85.1 83.3 68.5 12.% Cost Burden >30% 44.0 54.5 31.9 83.3 57.9 13. % Cost Burden >50% 16.0 3.8 0 10.0 7.8 14. Household Income >80% MFI 270 1,310 160 960 2,700 15. % with any housing problems 20.4 13.4 46.9 6.8 13.7 16.% Cost Burden >30% 20.4 1,5 0 4.7 4.4 17. % Cost Burden >50% 13.0 0 0 0 1.3 18. Total Households 1,118 2,351 376 1,615 5,460 19 19. % with any housing problems 47.2 44.1 72.6 34.7 43.9 20, % Cost Burden >30 47.2 33.9 30.1 3.' 36.2 21, % Cost Burden >50 31.2 13.3 7.4 13.9 16.7 Source: United States Department of Housing and Urban Development CHAS 2000 Special Census Tabulations Table C summarizes the household size and income categories of the very low, low and moderate income home owner households, 2000 CHAS data, Appendix III. TABLE C: 2000 HOUSING NEEDS OF HOME OWNER HOUSEHOLDS Source of Data CHAS Data Book Data Current as of 2000 Tamarac, Florida Owners Household by Type, Income, & Housing Problem Elderly 1 & 2 member households Small Related (2 to 4) Large Related (5 or more) All Other Household s Total Owners F G H I J 1. Household Income <=50% MFI 4,995 489 44 499 6,027 2. Household Income a=30% MFI 2,015 245 30 300 2,590 3. % with any housing problems 78.2 77.6 100 71.7 77.6 4. % Cost Burden >30% 78.2 77.6 100 71.7 77.6 5. % Cost Burden >50% 52.1 71.4 66.7 60.0 55.0 6. Household Income >30% to <=50% MFI 2,980 244 14 199 3,437 7. % with any housingproblems 49.3 89.8 71.4 72.4 53.6 8. % Cost Burden >30% 49.3 89.8 71.4 72.4 53.6 9. % Cost Burden >50% 17.6 63.5 71.4 65.3 23.7 10. Household Income >50 to c=80% MFI 3,000 755 125 430 4,310 11. % with any housing problems 25.2 68.2 56.0 55.8 36.7 12.% Cost Burden >30% 25.2 65.6 20.0 55.8 35.1 13. % Cost Burden >50% 5.0 12.6 0 5.8 6.3 14. Household Income >80% MFI 5,170 4,199 435 1,785 11,589 15. % with any housin roblems 6.9 15.8 34.5 17.4 12.8 16.% Cost Burden >30% 6.7 12.5 16.1 17.4 10.8 17. % Cost Burden >50% 0 2.0 3A 1.7 1.1 18. Total Households 13,165 5,443 604 2,714 21,926 19. % with any housing problems 31.6 29.2 43.0 33.5 31.5 20. % Cost Burden >30 31.5 26.3 22.4 33.5 30.2 21. % Cost Burden >50 13.1 9A 7.5 1 13A 12.1 Source: United States Department of Housing and Urban Development CHAS 2000 Special Census Tabulations The 2006-2008 ACS for the City of Tamarac examined two indicators of substandard housing: lack of complete plumbing and lack of complete kitchen facilities. As Im indicated in Table D below, the City of Tamarac has approximately 178 units which lack one or more of those features. The 2006-2008 ACS reported that very low percentages of the year-round housing stock had incomplete plumbing facilities (0.02%) and incomplete kitchen facilities (0.04%). Due to the high level of availability, it is concluded that "Lack of Facilities" does not raise any issues regarding overall substandard living and housing conditions within the City. The Broward County Building Code has been adopted by the City. There are a relatively small number of housing units within the City currently subject to repairs, rehabilitation or demolition activity resulting from Broward County Building Code citations. Table D shows the breakdown of substandard housing within the City considering the 30,001 occupied housing units. TABLE D: SUBSTANDARD HOUSING UNITS Substandard Housing Units — (ACS 2006-2008) Characteristic No. of Units % of Units Lack Complete Plumbing 71 .002 Lack Complete Kitchen Facilities 107 .003 Substandard Total 178 .005 Total No, Housing Units (2006-2008) = 30,001 Source: United States Bureau of the Census (2006-2008 ACS 3-Year Estimates) 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. Almost fifty percent (50%) of the homes built in Tamarac are less than 30 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. TERMS: Standard Condition 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. 21 Sub -Standard Condition There are several measures which can be used to evaluate housing stock and living conditions within the City, including, age of structure; overcrowding; the lack of certain necessary facilities; structural integrity; and building code requirements. Specific indicators of substandard housing or living for each of the above measures are as follows: 1. Age of Structure — A housing unit constructed prior to 1940, which is valued at or less than$25,000. 2. Overcrowding — 1.01 persons per room or more in a dwelling unit. 3. tacking facilities — A housing unit lacking complete plumbing facilities, heating and cooking facilities and/or complete kitchen facilities. 4. External housing conditions — A housing unit categorized as either of the following by the City of Tamarac: Deteriorated — In need of some relatively minor exterior repair, which is indicative of a lack of maintenance. Examples include housing that requires painting, fascias and soffits showing signs of deterioration, cracked and broken windows, and even severely overgrown yards, which is generally accompanied by a lack of structural maintenance. Dilapidated - In need of substantial rehabilitation. The unit may be considered to be unfit for human habitation or rapidly approaching that condition. This category of substandard housing needs to be addressed immediately, through either rehabilitation or demolition, as the health and safety of the inhabitants may be endangered. 5. Code Violations — The City has adopted the Florida Building Code ( Broward Edition) which incorporates the following definition of unsafe structure: (1) A building deemed a fire hazard, as a result of debris or other combustible material, creates a hazard, vacant or unguarded; or (2) A building deemed structurally unsafe by design or deterioration, partially destroyed, unsafe or lack of adequate plumbing, inadequate or unsafe electrical, inadequate waste disposal system or lack of a building permit. The following discussion outlines the rationale used for preparing definitions of "standard" and "substandard" living and conditions in terms of the five measures listed and discussed above. An overcrowded condition is normally defined to occur when there are more than 1.01 persons per room in a dwelling unit. Overcrowded conditions arise typically in situations where: (1) A residential unit is shared in order to afford living costs; or (2) a large family in a lower income group cannot afford a unit with an adequate number of bedrooms to accommodate its needs. i% In 2000, there were 996 households, or 3.6% of the total, reporting occupancy of more than 1.0 person per room in Tamarac. The current rate is 1.2% or 376 units with an occupancy rate more than 1.0 per room. The ACS reports that Broward County's current rate is 2.7% with an occupancy rate more than 1.0 per room. Overcrowding is most serious in renter households, and is especially acute among large -related family households. However, due to the small numbers involved, overcrowding does not appear to be a significant problem in Tamarac. 7. To the extent that any racial or ethnic group has a disproportionately greater need for any income category in comparison to the needs of that category as a whole, the jurisdiction must provide an assessment of that specific need. For this purpose, disproportionately greater need exists when the percentage of persons in a category of need who are members of a particular racial or ethnic group is at least ten percentage points higher than the percentage of persons in the category as a whole. 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. 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. These figures could not be obtained for a more recent time period. Updates will be provided via amendment once 2010 Census data is available. Homeless Needs 91.205 (e) *Refer to the Homeless Needs Table lA or the CPMP Tool's Needs.xls workbook 8. Homeless Needs--- The jurisdiction must provide a concise summary of the nature and extent of homelessness in the jurisdiction, (including rural homelessness and chronic homelessness where applicable), addressing separately the need for facilities and services for homeless persons and homeless families with children, both sheltered and unsheltered, and homeless 23 subpopulations, in accordance with Table IA. The summary must include the characteristics and needs of low-income individuals and children, (especially extremely low-income) who are currently housed but are at imminent risk of either residing in shelters or becoming unsheltered. The January 2009 a Homeless Survey, conducted by the Broward County Homeless Initiative Partnership conducted a street sweep, interview type survey of the homeless population in Broward County. This survey resulted in a count of 4,154 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 data below shows the general homeless characteristics of those surveyed in 2009. Age: Children- under 18 years Adults — 18 to 60 years Elderly — over 60 years TOTAL 864 20.8% 3157 76.0% 133 3.2% 4154 100.0% Race/Ethnicity Hispanic or Latina? Yes 428 10.3% No 3726 89.7% TOTAL 4154 100.0% 24 Prior Episodes of Homelessness. In last 3 years, number of separate Imes homeless 1 time 1491 35.9% 2-3 times 1325 31.9% 4 or more times 1338 32.2% TOTAL 4154 100% 041 Based upon this inventory of homeless resources and programs, and your assessment of the adequacy of services available for the homeless, please identify your top two unmet needs. 1. Income forhousing (employment, training, benefits Livin_q Wage) 2. Permanent Affordable Housing Identify two recommendations that your community would propose for state government action in 2010 to reduce homelessness. 1. Remove cap on Sadowski Affordable HouajD_q Trust Fund 2. Level fundinq for homeless programs Less than one percent (1 %) of those surveyed reported sleeping or being from the City of Tamarac. Based on the Housing Burden inventory of the City of Tamarac in the ACS "Housing Characteristics" table, approximately 3,257 renter households and 9,204 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. 9. Describe, to the extent information is available, the nature and extent of homelessness by racial and ethnic group. A quantitative analysis is not required. If a jurisdiction provides estimates of the at -risk population(s), it should also include a description of the operational definition of the at -risk group and the methodology used to generate the estimates. The data below shows the general homeless characteristics of those surveyed in 2009. Race/Ethnicity American Indian/ Alaskan Native 62 1.5% Asian 21 0.5% Black/African American 1873 45.1 % Native Hawaiian/ Pacific Islander 8 0.2% White 1969 47.4% Other 220 5.3% TOTAL 4154 100% Military Veteran Served on active duty in the U.S. military. (8% used based on recent HUD Annual Progress Reports for 332 8.0% the CoC) Yes 3821 92. % No TOTA14 4154 100% 27 Marital Status Single Married TOTAL 3826 92.1 % 328 7.9% 4154 100% .Non -homeless Special Needs 91.205 (d) including HOPWA *Please also refer to the Non -homeless Special Needs Tables IA & IB or, in the CPMP Tool, the Needs.xls workbook. 10. Estimate, to the extent practicable, the number of persons in various subpopulations that are not homeless but may require housing or supportive services, including the elderly, frail elderly, persons with disabilities (mental, physical, developmental, persons with HIV/AIDS and their families), persons with alcohol or other drug addiction, victims of domestic violence, public housing residents, and any other categories the jurisdiction may specify and describe their supportive housing needs. The jurisdiction can use the Non -Homeless Special Needs Table (Table IB or Needs.xls in CPMP Tool) of their Consolidated Plan to help identify these needs. *Note: HOPWA recipients must identify the size and characteristics of the population with HIV/AIDS and their families that will be served in the metropolitan area. The City of Tamarac is not a recipient of HOPWA funds. Table E shows facilities around the City of Tamarac that are available to the residents of Tamarac. TABLE E: SPECIAL NEEDS FACILITIES HENDERSON MENTAL HEALTH CENTER RAINBOW VILLAS Residential 5800 (954) Treatment NORTHWEST LAUDERHILL FL 33313 731- 3.15 Facility 27TH COURT 2835 28 HENDERSON MENTAL HEALTH CENTER PARKSIDE HOUSE Residential 5700 NW Treatment 27TH CT Facility BLDG A LAUDERHILL I FL I 333131 (954) 731- 7097 M, CHRISTOS Residential 530 ARIZONA FORT (954) HOME Treatment AVE LAUDERDALE FL 33312 584- 7.22 Facility 9511 HENDERSON MENTAL HEALTH CENTER THE SUMMIT Residential 1 868 POMPANO (954) Treatment SOUTHWEST BEACH FL 33060 785- Facility 10TH STREET 4079 8.21 ARCHWAYS, 1133 Residential (954) INC. BENNETT Treatment NORTHEAST FORT FL 33304 761- 8.66 APARTMENTS Facility 5TH LAUDERDALE 8396 TERRACE RENFREW CENTER OF FLORIDA, LLC, THE Residential 7700 N.W. COCONUT (954) Treatment 48TH AVE CREEK FL 33073 698- Facility 9222 10.24 29 BAYVIEW CENTER FOR Residential 1300 MENTAL Treatment HIBISCUS PEMBROKE ( FL 33025 966--) 13.53 TRANSITIONS HEALTH Facility DRIVE PINES 4185 HENDERSON MENTAL HEALTH Residential 1481 SW 81 PEMBROKE (954) CENTER COURT Treatment AVENUE PINES FL 33025 987- 13.63 PROJECT-BLDG Facility BLDG 70 8334 # 70 HENDERSON MENTAL HEALTH Residential 1481 SW 81 PEMBROKE (954) CENTER COURT Treatment AVENUE PINES FL 33025 987- 13.63 PROJECT-BLDG Facility BLDG 73 8334 # 73 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 of 29% of the total population, it is not expected that the elderly population with grow dramatically within the next decade. The City of Tamarac's Community Center offers a variety of services for the elderly and disabled population. In addition, the Community Center is able to provide referral services for additional special needs within the Broward County Social and 30 Human Services arena. There are several facilities in neighboring municipalities that the residents of Tamarac can and do utilize. Lead -bused Paint 91.205 (e) 11. Estimate the number of housing units* that contain lead -based paint hazards, as defined in section 1004 of the Residential Lead -Based Paint Hazard Reduction Act of 1992, and are occupied by extremely low-income, low-income, and moderate -income families. *If using the CPMP Tool, this number can be provided on the Housing Needs Table in the Needs.xls file. According to the 2006-2008 America Community Survey's 3-year estimates, Selected Housing Characteristics data, only 8.5% of owner -occupied housing or renter -occupied housing units were established in 1969 or earlier. In Tamarac and statewide, the percentages 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 are 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 Housing Market Analysis 91.2.10 Housing Supply A comparison of the 2000 Census data and the 2006 — 2008 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 2% increase in owner -occupied housing. This also shows a 2% renter occupied rate decrease during the same time period; with 10.8% of the housing units seasonally vacant or vacant year-round. Corresponding vacancy figures in Broward County were slightly higher during this time period. The City of Tamarac also experienced a heightened amount of construction activity around 2005. By the end of 2008, according to the 2006 — 2008 American Community Survey (ACS) produced by the U.S. Census Bureau, the total number of housing units had climbed to 33,622. This figure represents an 8.8% increase in the number of housing units between 2003 and 2008. The increased housing construction between 2003-2008 in Tamarac mirrored "boom" trends across the United States, driven by low interest financing. Currently housing construction in Tamarac has halted due to the recent housing and economic crisis being experienced in this country. Substantial residential build -out occurred during the last five years. 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. 31 12. Based on information available to the jurisdiction, describe the significant characteristics of the housing market in terms of supply, demand, condition, and the cost of housing; the housing stock available to serve persons with disabilities; and to serve persons with HIV/AIDS and their families. Data from 2006-2008 American Community Survey -"Selected Housing Characteristics" Table Median Home Value $207,500 Total Housing Units 33,622 Occupied Housing Units 30,001 Owner -Occupied 24,597 Renter -Occupied 5,404 Vacant Housing Units 3,621 Median Mortgage $ 1,529 Mortgage exceeds 30% of income 61.6% (cost burdened) Median Rent $ 1,213 Rent exceed 30% of income 65.4% (cost burdened) There is no current data available to reflect the housing stock available for persons with disabilities or to serve persons with HIV/AIDS and their families. 13. Provide an estimate; to the extent information is available, of the number of vacant or abandoned buildings and whether units in these buildings are suitable for rehabilitation. Table F shows the terms of tenure, 82% of the City of Tamarac' housing units were owner -occupied in 2008; and 18% of the households was renter -occupied see Table E below. During the same period, 71.1 % of Broward County's housing units were owner -occupied and 28.9% were renter occupied. TABLE F; TENURE OF HOUSING UNITS Housing Supply — 2008 (% of total housing units) Occupied Vacant Tamarac Broward County Owner Renter Owner Renter 82.0% Owner 18.0% Renter 3.5% Owner 6.5% Renter 71.1 % 28.9% 3.6% 11.1 % ouu,L;t�:. cvuo — [uuo /imerlcan uommunmy jurvey 3-rear tstimate Tor I amarac and Broward Gounty, Florida 32 The City of Tamarac also experienced a heightened amount of construction activity around 2005. The increased housing construction between 2003-2008 in Tamarac mirrored "boom" trends across the United States, driven by low interest financing. Currently housing construction in Tamarac has halted due to the recent housing and economic crisis being experienced in this country. Substantial residential build -out occurred during the last five years. 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. .Public and Assisted Housing 9.1.210 (b) 14.In cooperation with the public housing agency or agencies located within its boundaries, describe the needs of public housing, including • the number ofpublic housing units in the jurisdiction, • the physical condition of such units, • the restoration and revitalization needs of public housing projects within the jurisdiction, • the number of families on public housing and tenant -based waiting lists and • results from the Section 504 needs assessment of public housing projects located within its boundaries (i.e. assessment of needs of tenants and applicants on waiting list for accessible units as required by 24 CFR 8.25). The jurisdiction can use the optional Priority Public Housing Needs Table of the Consolidated Plan to identify priority public housing needs to assist in this process. 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 housing project that was built in 1974 in the adjacent City of Coral Springs; a majority of the units are for the elderly. 15. Describe the number and targeting (income level and type of household served) of units currently assisted by local, state, or federally funded programs, and an assessment of whether any such units are expected to be lost from the assisted housing inventory for any reason, (i.e. expiration of Section 8 contracts). The City of Tamarac has approximately 166 units in which tenant vouchers for Section 8 Rental Assistance via the HUD Project Based Subsidy. 9191 Homeless In ventory 91.210 (c) 16. The jurisdiction shall provide a concise summary of the existing facilities and services (including a brief inventory) that assist homeless persons and families with children and subpopulations identified in Table ]A or in the CPMP Tool Needs Table. These include outreach and assessment, emergency shelters and services, transitional housing, permanent supportive housing, access to permanent housing, and activities to prevent low-income individuals and families with children (especially extremely low-income) from becoming homeless. This inventory of facilities should include (to the extent it is available to the jurisdiction) an estimate of the percentage or number of beds and supportive services programs that are serving people that are chronically homeless. The jurisdiction can use the optional Continuum of Care Housing Activity Chart and Service Activity Chart to meet this requirement. Currently, there are no homeless facilities located within the City of Tamarac. Broward County provided the following shelter information. HOUSING INVENTORY CHART -UNMET NEED TOTALS Special Need Facilities and Services 9.1.210 (d) 17. Describe, to the extent information is available, the facilities and services that assist persons who are not homeless but require supportive housing, and programs for ensuring persons returning from mental and physical health institutions receive appropriate supportive housing. 34 As shown in Table E, Special Needs Facilities, a host of agencies are available to residents of Tamarac with special needs. In addition to the agencies referenced, the City's Social Services Division makes referrals, has partnerships, and can facilitate communication between those with special needs and the agency that may best suit their needs. Barriers to Affordable .Housing 91.210 (e) 18. Explain whether the cost of housing or the incentives to develop, maintain, or improve affordable housing are affected by public policies, particularly those of the local jurisdiction. Such policies include tax policy affecting land and other property, land use controls, zoning ordinances, building codes, fees and charges, growth limits, and policies that affect the return on residential investment. The City does not have any policies that would impede the development or redevelopment of affordable housing. The City's commitment to affordable housing may benefit developers with the use of local programs designed to assist homebuyers with obtaining affordable housing through the implementation of Down Payment Assistance and Home Rehabilitation activities. Below are additional broad categories of barriers to affordable housing that local jurisdictions encounter with the development/redevelopment of affordable housing units: 1. Funding/Finance 2. Acquisition and Development Impediments 3. Policy, Program and Process Fragmentation 4. No Developer Mandates 5. Consumer/Cultural/Financial/Educational Challenges 6. Lack of Political WillNision/Politics 7. NIMBY-ism 8. At -Risk Populations 9. Fraud The strategic plan must describe how the jurisdiction plans to provide new or improved availability, affordability, and sustainability of decent housing, a suitable living environment, and economic opportunity, principally for extremely low-, low-income, and moderate -income residents. General Priority Needs Analysis and Strategies 9.1.2.1 S (a) 19. In this narrative, describe the reasons for setting priorities for allocating investment among different activities and needs, as identified in tables* prescribed by HUD. 9.2.215(a)(1) 35 *If not using the CPMP Tool. Complete and submit Table 1A Homeless and Special Needs Population; Table 1B Special Needs (Non -Homeless) Populations; Table 2A Priority Housing Needs/Investment Plan Table; and Table 2B Priority Community Development Needs. *If using the CPMP Tool: Complete and submit the Needs Table file: Needs.xls The five year strategic plan will address the City's needs via three goals and related and corresponding priorities that are summarized below: C;nalc "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/Neighborhood Revitalization activities • Public Facilities Improvements / Low -Mod Area Wide Benefit Improvements 20. Describe the geographic areas of the jurisdiction (including areas of low income families and/or racial/minority concentration) in which assistance will be directed. (coal The City of Tamarac determines the project locations using the 2000 Census data until complete and updated information can be obtained from the 2010 Census. A map was created identifying the low -moderate income areas. In addition to the Census data, the City determines need and location of special projects based on need and demand of its residents, as well as the condition of existing resources; such as public facilities. See Appendix IV for the City's Low -Moderate Area map. 21.If applicable, identify the census tracts for Neighborhood Revitalization Strategy Areas and/or any local targeted areas. The City does not currently fund any Neighborhood Revitalization strategies under the CDBG or HOME program. 22. Describe the basis for allocating investments geographically within the jurisdiction (or within the EMSA for HOPWA) (91.215(a)(1)) and the basis for assigning the priority (including the relative priority, where required) given to each category of priority needs (91.215(a) (2)). 23. If appropriate, the jurisdiction should estimate the percentage of funds the jurisdiction plans to dedicate to Neighborhood Revitalization Strategy Areas and/or any local targeted areas. The City does not currently fund any Neighborhood Revitalization strategies under the CDBG or HOME program. 24. Identify any obstacles to meeting underserved needs. The major obstacle is funding, or lack thereof. Both federal and state allocations fluctuate and are often decreased from year to year making planning for the future and meeting the needs of the underserved difficult. Another obstacle may be the lack of data to justify allocating funds to what may appear to be an unmet need. The 2000 Census is out dated, the 2010 Census is not available yet, and local resources may be unavailable to confirm an unmet need. Specific Objectives 9.1.2.15 (a) (4) 25. Summarize priorities and specific objectives the jurisdiction intends to initiate and/or complete in accordance with the tables* prescribed by HUD. Outcomes must be categorized as providing either new or improved availability/accessibility, affordability, or sustainability of decent housing, a suitable living environment, and economic opportunity. Goals and objectives to be carried out during. the strategic plan period are indicated by placing a check in the following boxes. 37 U assisting homeless persons obtain affordable housin A improving the safety and livability of neijzhborhoods ❑ job creation and retention ❑ assisting persons at risk of ❑ eliminating blighting ❑ establishment, becoming homeless influences and the stabilization and deterioration of expansion of small property and facilities business (including micro -businesses) retaining the affordable ❑ increasing the access ❑ the provision of housing stock to quality public and public services private facilities concerned with Lxj increasing the availability of affordable permanent housing in standard condition to low-income and moderate -income families, particularly to members of disadvantaged minorities without discrimination on the basis of race, color, religion, sex, national origin, familial status, or disabiliLy ❑ increasing the supply of supportive housing which includes structural features and services to enable persons with special needs (including persons with HIVIADOS) to live in dignity and ,<j reducing the isolation of income groups within areas through spatial deconcentration of housing opportunities for lower income persons and the revitalization of deteriorating neighborhoods FF restoring and preserving properties of special historic, architectural, or aesthetic value the provision of jobs to low-income persons living in areas affected by those programs and activities under programs covered by the plan ❑ availability of mortgage financing for low income persons at reasonable rates using non- discriminatory lending practices providing affordable E conserving energy Li access to capital and housing that is accessible resources and use of credit for to job opportunities renewable energy development sources activities that promote the long- term economic social viability of the community 38 Identify Specific Objectives and Proposed Outcomes by completing Table X C or 2C — Summary of Specific Objectives 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 majority 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. Strategy 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 thirty thousand dollars ($30,000). The program will target low income households. However, moderate -income households will also be eligible to participate. It is anticipated that a minimum of 35 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 $200,000. 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 fagade treatment, painting, minor exterior wood and/or masonry repairs, and energy efficiency improvements. 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 39 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. Priority Housing Needs 91.21.5 (b) 25. Describe the relationship between the allocation priorities and the extent of need given to each category specified in the Housing Needs Table (Table 2A or Needs.xls). These categories correspond with special tabulations of U.S. census data provided by HUD for the preparation of the Consolidated Plan. The high priority given to affordable housing is proven by the consistent dedication of funds, both federal and state, to housing activities such as Home Rehabilitation and Down Payment Assistance. 27. Provide an analysis of how the characteristics of the housing market and the severity of housing problems and needs of each category of residents provided the basis for determining the relative priority of each priority housing need category, particularly among extremely low-income, low-income, and moderate -income households. Note: Family and income types may be grouped in the case of closely related categories of residents where the analysis would apply to more than one family or income type. 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 40 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 "I" — 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 Development -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 "1K to all existing owner -occupied housing rehabilitation program. The five (5) year goal: Owner -occupied housing rehab = 35 units under CDBG, and 50 for all funding sources. 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 such entities. However, when the jurisdiction is also an eligible applicant, it will take the lead and apply directly for funding. Home Rehabilitation Assistance The City of Tamarac dedicates all of its HOME program funds to this activity, and portions of its CDBG and SHIP funds to Home Rehabilitation Assistance. Sub - activities may include barrier free accessibility, disaster mitigation, emergency repair, roof repair and minor home repair. This assistance is critical to help households maintain a suitable living environment, meet code and building requirements and address any health and safety issues. It also helps the elderly and disabled homeowners to live independently. Assistance is issued to income eligible households that fall below 120% of the median household income as determined by U.S. Department of Housing and Urban Development on an annual basis from SHIP, 41 HOME or CDBG. All applicants assisted must be current on their mortgage and property taxes, and show no signs of being at risk for losing their home. 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. Rehabilitation Program Funds A. Federal CDBG HOME B. State SHIP Down Payment Assistance The City utilizes its SHIP program funds to provide Down Payment Assistance to eligible low -moderate income households seeking homeownership. Assistance amounts vary and depend on the household income level. Down Payment Assistance funds help to reduce the homebuyers' first mortgage amount therefore, making their monthly mortgage payments more affordable. In addition to receiving the down payment assistance funds, all participating homebuyers must complete an 8-hour housing counseling course prior to purchase. This course teaches homebuyers how to manage their money, budgeting, maintaining good credit, maintenance, and other pertinent homeowner issues. Down Payment Assistance Program Funds A. State SHIP 28. Identify any obstacles to meeting underserved needs. The major obstacle is funding, or lack thereof. Both federal and state allocations fluctuate and are often decreased from year to year making planning for the future and meeting the needs of the underserved difficult. Another obstacle may be the lack of data to justify allocating funds to what may appear to be an unmet need. The 2000 Census is out dated, the 2010 Census is not available yet, and local resources may be unavailable to confirm an unmet need. 42 Specific Objectives/Affordable Housing 91.215 (b) Note: Specific affordable housing objectives must specify the number of extremely low-income, low-income, and moderate -income households to whom the jurisdiction will provide affordable housing as defined in 24 CFR 92.252 for rental housing and 24 CFR 92.254 for homeownership. (24 CFR 91.215(b)(2) As part of the City's Comprehensive Plan (last amended July 2009), nine objectives were identified in the Housing Element. These objectives applied to the housing, special needs housing, and neighborhood revitalization strategies outlined in this Consolidated Plan. Throughout this section, the objectives of the Comprehensive Plan will be identified in appropriate section. Comprehensive Plan Housing Objectives: Objective #1 of the Housing Element: The City will assist the private sector in providing a variety of housing unit types to meet the varying needs and lifestyles of its residents. Objective #3 of the Housing Element: The City of Tamarac will continue to provide throughout the planning period on its Future Land Use Map a variety of housing sites at a full range of densities, which can accommodate housing for very low, low and moderate income families. Objective #5 of the Housing Element: The City will continue to provide for the conservation, rehabilitation, and demolition of housing through its Community Development and Building Departments. Objective #6 of the Housing Element: The City will continue to enforce, during the planning period, all State and Federal regulations concerning the provision of relocation housing for redevelopment projects which utilize State and/or Federal funding. Objective #7 of the Housing Element: The City's Community Development Department will implement and coordinate a housing monitoring program which will describe, monitor, and enforce the goals, objectives, and policies contained in this Housing Element. Objective #9 of the Housing Element: The City should partner with local housing agencies, the South Florida Regional Planning Council and other State housing organizations to continue to identify housing needs and strategies for housing attainment and affordability. As mention previously, Home Rehabilitation and Down Payment Assistance are two priorities the City gives when allocating its CDBG, HOME and SHIP funds. Specific activity details are available as part of the Annual Action Plan. Terms, assistance amounts, income requirements and so forth are explained in detail. 43 29.Identify each specific housing objective by number (DH-1, DH-2, DH-2), proposed accomplishments and outcomes the jurisdiction hopes to achieve in quantitative terms over a specified time period, or in other measurable terms as identified and defined by the jurisdiction. Outcomes over the next five years: The City of Tamarac intends to allocate funds each year to sustaining the existing housing stock, making funds available for barrier free accessibility, and preserving homes through strengthening and mitigation, and ensuring there is affordability in homeownership. In conjunction with the City's HOME and SHIP program funds, the City will provide funding for Home Rehabilitation, including Disaster Mitigation, Barrie Free Accessibility, Code Correction, and Emergency Repairs, as well as Down Payment Assistance to low -moderate income households. The total rehabilitation cost may be limited to a minimum of five hundred dollars ($500) to a high of thirty thousand dollars ($30,000). The program will target low income households. However, moderate -income households will also be eligible to participate. It is anticipated that a minimum of 5 to 10 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 $200,000. Specifically under CDBG with regard to specific housing objectives, the City will provide funds for Home Rehabilitation during the 2010/2011-201412015 Consolidated Plan period. On average the City can assist five to ten households with Home Rehabilitation (DH- 2 and DH-3) activities. Complete and submit Table 1 C Summary of Specific Objectives or, if using the CPMP Tool, the Summaries.xls file. 30. Describe how Federal, State, and local public and private sector resources that are reasonably expected to be available will be used to address identified needs for the period covered by the strategic plan. As a recipient of CDBG, HOME and SHIP funds, the City intendeds to allocate according to priority need. For the next five years, the City expects the housing market to change from the drastic slump it has been in since 2005. With that the activities recommended in the Annual Action Plan may vary, however, affordable housing will remain a priority for the City of Tamarac and Home Rehabilitation will be a key activity. 44 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. 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. 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. STATE RESOURCES State Housing Initiative Partnership (SHIP) Program The City of Tamarac receives an annual allocation under this program. Florida Housing administers the State Housing Initiatives Partnership program (SHIP), which provides funds to local governments as an incentive to create partnerships that produce and preserve affordable homeownership and multifamily housing. The program was designed to serve very low, low and moderate income families. 45 SHIP funds are distributed on an entitlement basis to all 67 counties and 53 Community Development Block Grant entitlement cities in Florida. The minimum allocation is $350,000 and the maximum allocation is over $8.8 million. In order to participate, local governments must establish a local housing assistance program by ordinance; develop a local housing assistance plan and housing incentive strategy, amend land development regulations or establish local policies to implement the incentive strategies; form partnerships and combine resources in order to reduce housing costs; and ensure that rent or mortgage payments within the targeted areas do not exceed 30 percent of the area median income limits, unless authorized by the mortgage lender. SHIP dollars may be used to fund emergency repairs, new construction, rehabilitation, down payment and closing cost assistance, impact fees, construction and gap financing, mortgage buy -downs, acquisition of property for affordable housing, matching dollars for federal housing grants and programs, and homeownership counseling. SHIP funds may be used to assist units that meet the standards of chapter 553; SHIP funds may also be used to assist manufactured housing constructed after June 1994 in accordance with the installation standards defined in the rules of the Department of Highway Safety and Motor Vehicles. A minimum of 65 percent of the funds must be spent on eligible homeownership activities; a minimum of 75 percent of funds must be spent on eligible construction activities; at least 30 percent of the funds must be reserved for very -low income households (up to 50 percent of the area median income or AMI); an additional 30 percent may be reserved for low income households (up to 80 percent of AMI); and the remaining funds may be reserved for moderate -income households (up to 120 percent of AMI.). It is important to note that no more than 5 percent of SHIP funds may be used for administrative expenses. However, if a local government makes a finding of need by resolution, a local government may use up to 10 percent for administrative expenses. Funding for this program was established by the passage of the 1992 William E. Sadowski Affordable Housing Act. Funds are allocated to local governments each month on a population -based formula. These funds are derived from the collection of documentary stamp tax revenues, which are deposited into the Local Government Housing Trust Fund. Total actual disbursements are dependent upon these documentary stamp collections. 31. Indicate how the characteristics of the housing market will influence the use of funds made available for rental assistance, production of new units, rehabilitation of old units, or acquisition of existing units. The City does not currently allocate funds to any rental strategies, but does not rule out that option over the next five years. New housing units will be approved with "Affordable Housing" stipulations such as inclusionary zoning, down payment assistance programs and reduction of unit costs to low -moderate income households. Considering the City is basically built -out, new housing units will be scarce and redevelopment will begin to occur more regularly. The current housing �1 market is unusual that existing home values have dropped, rental properties have increased, and cost of living has been almost at a flat -line. With this, the primary activity carried out with CDBG funds will be Home Rehabilitation. Tamarac's housing stock is old and rehabilitation is a priority. The housing supply was initially intended to serve an elderly population, thus smaller homes were built. With the City's average age dropping and family sizes increasing, the need to rehabilitation of the existing stock justifies the need. 32.If the jurisdiction intends to use HOME funds for tenant -based rental assistance, spec local market conditions that led to the choice of that option. The City of Tamarac does not intend to allocate its HOME funds toward a tenant - based rental assistance activity over the next five years. Public Housing Strategy 91.2.15 (c) 33. Describe the public housing agency's strategy to serve the needs of extremely low-income, low-income, and moderate -income families residing in the jurisdiction served by the public housing agency (including families on the public housing and section 8 tenant -based waiting list). 34. Describe the public housing agency's strategy for addressing the revitalization and restoration needs of public housing projects within the jurisdiction and improving the management and operation of such public housing. 35. Describe the public housing agency's strategy for improving the living environment of extremely low-income, low-income, and moderate families residing in public housing. 36. Describe the manner in which the plan of the jurisdiction will help address the needs of public housing and activities it will undertake to encourage public housing residents to become more involved in management and participate in homeownership. (NAIIA Sec. 105 (b) (11) and (91.215 (k)) 37. If the public housing agency is designated as "troubled" by HUD or otherwise is performing poorly, the jurisdiction shall describe the manner in which it will provide financial or other assistance in improving its operations to remove such designation. (NAHA Sec. 105 (g)) The City will 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 166 families in the City of Tamarac with Section 8 rental assistance, of this amount more than 75% are female head of households. The City of Tamarac does not currently have any public housing units within City limits. Tamarac residents in need of public housing are directed to Broward County. 47 The City of Tamarac's Social Service Division is also available to assist residents with resources within the County. Priority Homeless Needs *Refer to the Homeless Needs Table IA or the CPMP Tool's Needs.xls workbook 38. Describe the jurisdiction's choice of priority needs and allocation priorities, based on reliable data meeting HUD standards and reflecting the required consultation with homeless assistance providers, homeless persons, and other concerned citizens regarding the needs of homeless families with children and individuals. 39. Provide an analysis of how the needs of each category of residents (listed in question #38) provided the basis for determining the relative priority of each priority homeless need category. 40. Provide a brief narrative addressing gaps in services and housing for the sheltered and unsheltered chronic homeless. A community should give a high priority to chronically homeless persons, where the jurisdiction identifies sheltered and unsheltered chronic homeless persons in its Homeless Needs Table - Homeless Populations and Subpopulations. The City of Tamarac does not currently fund any homeless or homeless prevention strategies. Any homeless identified within the City are assisted through HIP. The City of Tamarac's Social Service Division is also available to assist residents with resources within the County. A survey conducted in 2009 found that there were 4,154 homeless persons in Broward County. Although dispersed throughout the entire county, the vast majority of homeless persons were concentrated within the older communities of Pompano Beach, Fort Lauderdale, and Hollywood, where the majority of services to the homeless are provided. Homeless Strategy 9.1.2.15 (d) The City of Tamarac would like to prevent homelessness within the City. Currently Broward County is the lead agency for homeless needs for Tamarac as there are no homeless shelters within the City. The County help low-income families avoid becoming homeless, reaches out to homeless persons to assess their needs, addressed the emergency shelter and transitional housing needs of the homeless, and held with the transition to independent and permanent housing. The City is also 48 concerned with preventing the at risk homeowners within the City from losing their homes. Homelessness 41. Describe the jurisdiction's strategy for developing a system to address homelessness and the priority needs of homeless persons and families (including the subpopulations identified in the needs section). The jurisdiction's strategy must consider the housing and supportive services needed in each stage of the process which includes preventing homelessness, outreach/assessment, emergency shelters and services, transitional housing, and helping homeless persons (especially any persons that are chronically homeless) make the transition to permanent housing and independent living. 42. Describe the jurisdiction's strategy for helping extremely low- and low-income individuals and families who are at imminent risk of becoming homeless. The City of Tamarac does not currently fund any homeless or homeless prevention strategies. Any homeless identified within the City are assisted through Broward County HIP. The City of Tamarac's Social Service Division is also available to assist residents with resources within the County. Chronic Homelessness 43. Describe the jurisdiction's strategy for eliminating chronic homelessness. This should include the strategy for helping homeless persons make the transition to permanent housing and independent living. This strategy should, to the maximum extent feasible, be coordinated with the strategy presented in Exhibit I of the Continuum of Care (CoQ application and any other strategy or plan to eliminate chronic homelessness. 44. Describe the efforts to increase coordination between housing providers, health, and service agencies in addressing the needs of persons that are chronically homeless. (91.21 S(l)) The City of Tamarac does not currently fund any homeless or homeless prevention strategies. Any homeless identified within the City are assisted through Broward County HIP. The City of Tamarac's Social Service Division is also available to assist residents with resources within the County. 1l«niele.ssness Prevention 45. Describe the jurisdiction's strategy to help prevent homelessness for individuals and families with children who are at imminent risk of becoming homeless. The City of Tamarac does not currently fund any homeless or homeless prevention strategies. Any homeless identified within the City are assisted through Broward County HIP. The City of Tamarac's Social Service Division is also available to assist residents with resources within the County. 49 concerned with preventing the at risk homeowners within the City from losing their homes. Homelessness 41. Describe the jurisdiction's strategy for developing a system to address homelessness and the priority needs of homeless persons and families (including the subpopulations identified in the needs section). The jurisdiction's strategy must consider the housing and supportive services needed in each stage of the process which includes preventing homelessness, outreach/assessment, emergency shelters and services, transitional housing, and helping homeless persons (especially any persons that are chronically homeless) make the transition to permanent housing and independent living. 42. Describe the jurisdiction's strategy for helping extremely low- and low-income individuals and families who are at imminent risk of becoming homeless. The City of Tamarac does not currently fund any homeless or homeless prevention strategies. Any homeless identified within the City are assisted through Broward County HIP. The City of Tamarac's Social Service Division is also available to assist residents with resources within the County. Chronic Homelessness 43. Describe the jurisdiction's strategy for eliminating chronic homelessness. This should include the strategy for helping homeless persons make the transition to permanent housing and independent living. This strategy should, to the maximum extent feasible, be coordinated with the strategy presented in Exhibit 1 of the Continuum of Care (CoQ application and any other strategy or plan to eliminate chronic homelessness. 44. Describe the efforts to increase coordination between housing providers, health, and service agencies in addressing the needs ofpersons that are chronically homeless. (91.215(l)) The City of Tamarac does not currently fund any homeless or homeless prevention strategies. Any homeless identified within the City are assisted through Broward County HIP. The City of Tamarac's Social Service Division is also available to assist residents with resources within the County. Rowelessness Prevention 45. Describe the jurisdiction's strategy to help prevent homelessness for individuals and families with children who are at imminent risk of becoming homeless. The City of Tamarac does not currently fund any homeless or homeless prevention strategies. Any homeless identified within the City are assisted through Broward County HIP. The City of Tamarac's Social Service Division is also available to assist residents with resources within the County. M lnslitiilional Str'uclure 46. Briefly describe the institutional structure, including private industry, non-profit organizations, and public institutions, through which the jurisdiction will carry out its homelessness strategy. The City of Tamarac does not currently fund any homeless or homeless prevention strategies. Any homeless identified within the City are assisted through Broward County HIP. The City of Tamarac's Social Service Division is also available to assist residents with resources within the County. Dischar. (.:.'oordinatiorr Police' 47. Every jurisdiction receiving McKinney- Vento Homeless Assistance Act Emergency Shelter Grant (ESG), Supportive Housing, Shelter Plus Care, or Section 8 SRO Program funds must develop and implement a Discharge Coordination Policy, to the maximum extent practicable. Such a policy should include "policies and protocols for the discharge of persons from publicly funded institutions or systems of care (such as health care facilities, foster care or other youth facilities, or correction programs and institutions) in order to prevent such discharge from immediately resulting in homelessness for such persons. " The jurisdiction should describe its planned activities to implement a cohesive, community -wide Discharge Coordination Policy, and how the community will move toward such a policy. The City of Tamarac does not currently fund any homeless or homeless prevention strategies. Any homeless identified within the City are assisted through Broward County HIP. The City of Tamarac's Social Service Division is also available to assist residents with resources within the County. Specific Objectives/Homeless (91.215) 48..Identify specific objectives that the jurisdiction intends to initiate and/or complete in accordance with the tables* prescribed by HUD, and how Federal, State, and local public and private sector resources that are reasonably expected to be available will be used to address identified needs for the period covered by the strategic plan. For each specific objective, identify proposed accomplishments and outcomes the jurisdiction hopes to achieve in quantitative terms over a specified time period (one, two, three or more years) or in other measurable terms as defined by the jurisdiction. Complete and submit Table IC Summary of Specific Objectives or, if using the CPMP Tool, the Summaries.xls worksheets. The City of Tamarac does not currently fund any homeless or homeless prevention strategies. Any homeless identified within the City are assisted through Broward County HIP. The City of Tamarac's Social Service Division is also available to assist residents with resources within the County. U11 WE _WWOMM *Refer to Table IB Non -Homeless Special Needs or the CPMP Tool's Needs.xls workbook Priority Non -Homeless Neetls 91.215 (e) Comprehensive Plan Special Needs Housing Objectives: Objective #4 of the Housing Element: The City will continue to allow throughout the planning period and through its Future Land Use Map and Zoning Map adequate sites for special needs housing and group homes and foster care facilities which are licensed by the Florida Department of Health and Rehabilitative Services (HRS). Objective #8 of the Housing Element: The City will continue, during the planning period, to respond to the special housing needs of resident populations for adequate and affordable housing by allowing Broward County Housing Finance Authority projects and other special housing projects to locate in the City. 49. Identify the priority housing and supportive service needs of persons who are not homeless but may or may not require supportive housing, i.e., elderly, frail elderly, persons with disabilities (mental, physical, developmental, persons with HIVIAIDS and their families), persons with alcohol or other drug addiction by using the Non -homeless Special Needs Table. The City's non -housing special needs are primarily focused on the elderly and disabled. Each year the full 15% cap available under CDBG is allocated to public service activities. Activities such as counseling, nutrition, exercise and social service referral are a priority of the City's Community Center staff. 50. Describe the basis for assigning the priority given to each category of priority needs. Each year the Social Services staff prepares recommended activities to be funded for the next year based on demand of its residents, participants and family members/caregivers. A steady traffic of residents flow through the Community Center allowing the staff to prioritize the needs of Tamarac residents. Although the average age in Tamarac is dropping, the main clientele of the City's Social Services remain to be the elderly. 51. Identify any obstacles to meeting underserved needs. The major obstacle is funding, or lack thereof. Both federal and state allocations fluctuate and are often decreased from year to year making planning for the future and meeting the needs of the underserved difficult. Another obstacle may be the lack of data to justify allocating funds to what may appear to be an unmet need. The 2000 Census is out dated, the 2010 Census is not available yet, and local resources may be unavailable to confirm an unmet need. 51 52. To the extent information is available, describe the facilities and services that assist persons who are not homeless but require supportive housing, and programs for ensuring that persons returning from mental and physical health institutions receive appropriate supportive housing. The main facility for providing services to the residents of Tamarac is the Community Center. This facility provides services for the elderly, disabled, low income, and others. Partnerships with surrounding agencies allow staff to refer and connect residents with the appropriate service or institution. Recently the City build a new Recreation Facility to primarily serve the needs of Tamarac's youth, however, several adult and senior activities are planned there as well. The City also partners with the local hospital to allow its residents to participate in health and wellness events at both the hospital and community center. 53. If the jurisdiction plans to use HOME or other tenant based rental assistance to assist one or more of these subpopulations, it mustjustify the need for such assistance in the plan. The City does not allocate funds to tenant based rental assistance strategies. Specific Special Needs Objectives 91.215 (e) 54. Identify each specific objective developed to address a priority need by number and contain proposed accomplishments and outcomes the jurisdiction expects to achieve in quantitative terms through related activities over a specified time period (i.e. one, two, three or more years), or in other measurable terms as identified and defined by the jurisdiction. The jurisdiction may satisfy this requirement by using Table I or, if using the CPMP Tool, the Projects.xls worksheets Public Services Objective 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. 52 The City's older low-income areas are the most in need of revitalization and physical improvement. 58. Identify any obstacles to meeting underserved needs. The major obstacle is funding, or lack thereof. Both federal and state allocations fluctuate and are often decreased from year to year making planning for the future and meeting the needs of the underserved difficult. Another obstacle may be the lack of data to justify allocating funds to what may appear to be an unmet need. The 2000 Census is out dated, the 2010 Census is not available yet, and local resources may be unavailable to confirm an unmet need. Specific Comtnrrnity Developttaent Objectives 59.Identify specific long-term and short-term community development objectives (including economic development activities that create jobs), developed in accordance with the statutory goals described in section 24 CFR 91.1 and the primary objective of the CDBG program to provide decent housing and a suitable living environment and expand economic opportunities, principally for low and moderate income persons. Complete and submit Table 2C Summary of Specific Objectives or, if using the CPMP Tool, the Summaries.xls worksheets. NOTE: Each specific objective developed to address a priority need, must be identified by number and contain proposed accomplishments, the time period (i.e., one, two, three, or more years), and annual program year numeric goals the jurisdiction hopes to achieve in quantitative terms, or in other measurable terms as identified and defined by the jurisdiction. 24 CFR 91.215(a) (4) Community DevelopmentlPublie Facilities Objectives The City will most likely utilize CDBG funds for an improvement to at least one of its Public Facilities over the next five year period. Community DevelopmentlPublic Improvements Objectives The City will most likely utilize CDBG funds for improvements to its low -moderate income areas over the next five year period. Community Development/Public Services Objectives The City will continue to use its full 15% cap for Public Services over the next five year period. Community Development/Economic Development Objectives No Economic Development activities are expected to be funded over the next five years. 54 Neighborhood Revitalization Strategy Areas 91.215(g) 60. If the jurisdiction has one or more approved Neighborhood Revitalization Strategy Areas, the jurisdiction must provide, with the submission of a new Consolidated Plan, either: the prior HUD --approved strategy, or strategies, with a statement that there has been no change in the strategy (in which case, HUD approval for the existing strategy is not needed a second time) or submit a new or amended neighborhood revitalization strategy, or strategies, (for which separate HUD approval would be required). The City does not currently fund any Neighborhood Revitalization strategies under the CDBG or HOME program. However, several internal programs have been implemented in an effort to improve the appearance and value of local neighborhoods. A Neighborhood Partnership Program was created to help Homeowners Associations with beautification projects by providing a 50/50 matching grant. Additionally, the Code Compliance Division passed an Ordinance that requires abandoned/vacant bank owned properties to be registered with the City. The registration requires that the current owner provide contact information and property management contacts to maintain code and health/safety compliance on the property while it is vacant. Comprehensive Plan Neighborhood Revitalization Objectives: Objective #2 of the Housing Element: The City will continue to provide throughout the planning period a fully staffed Code Enforcement Division in order to provide for the general welfare, safety, good order, and appearance of the City of Tamarac. Barriers to Affordable Housing 91.215 (h) 61. Describe the strategy to remove or ameliorate negative effects of public policies that serve as barriers to affordable housing, except that, if a State requires a unit of general local government to submit a regulatory barrier assessment that is substantially equivalent to the information required under this part, as determined by HUD, the unit of general local government may submit that assessment to HUD and it shall be considered to have complied with this requirement. The following federal form reviews the City's regulatory reduction efforts. Local Governments - Raaulatnry Rarriare (hoeo-ra* C C \ r� TFIMP " Does your jurisdiction's comprehensive plan include a "housing element"? A local comprehensive plan means the adopted official statement of a legislative body of a local government that sets forth (in words, maps, illustrations, and/or tables) goals, policies, and guidelines intended to direct the present and future physical, social, and economic development that occurs within its planning jurisdiction and that includes a unified physical plan for the public development of land and water. X 55 If your jurisdiction has a comprehensive plan with a housing element, does the plan provide estimates of current and anticipated housing needs, taking into account the anticipated growth of the region, for existing and future residents, including low-, moderate-, and middle -income families, for at least the next 5 ears? X Does your zoning ordinance and map, development and subdivision regulations, or other land use controls conform to the jurisdiction's comprehensive plan regarding housing needs by providing (a) sufficient land use and density categories (multifamily housing, duplexes, small lot homes, and other similar elements); and (b) sufficient land zoned or mapped "as of right" in these categories, which can permit the building of affordable housing addressing the needs identified in the plan? (For purposes of this notice, "as -of -right," as applied to zoning, means uses and development standards that are determined in advance and that are specifically authorized by the zoning ordinance. The ordinance is largely self -enforcing because little or no discretion occurs in its administration.) If the jurisdiction has chosen not to have either zoning or other development controls that have varying standards based on districts or zones, the answer is "yes." X Does your jurisdiction's zoning ordinance set minimum building size requirements that exceed the local housing or health code or is otherwise not based on ex licit health standards? X If your jurisdiction has development impact fees, are the fees specified and calculated under local or state statutory criteria? Alternatively, if your jurisdiction does not have impact fees, the answer is also "yes." X If the answer to question #5 is "yes," does the statute provide criteria that set standards for the allowable type of capital investments that have a direct relationship between the fee and the development nexus and a method for fee calculation? X If your jurisdiction has impact or other significant fees, does the jurisdiction provide waivers of these fees for affordable housing? X Has your jurisdiction adopted specific building code language regarding housing rehabilitation that encourages such rehabilitation through gradated regulatory requirements applicable as different levels of work are performed in existing buildings? Such code language increases regulatory requirements (the additional improvements required as a matter of regulatory policy) in proportion to the extent of rehabilitation that an owner/developer chooses to do on a voluntary basis. For further information see the HUD publication, "Smart Codes in Your Community: A Guide to Building Rehabilitation Codes" at www.huduser.q[g/publications/destech/smartcodes.htmi. X Does your jurisdiction use a recent version (that is, published within the past 5 years or, if no recent version has been published, the last version published) of one of the nationally recognized model building codes; that is, the International Code Council (ICC), the Building Officials and Code Administrators International (BOCA), the Southern Building Code Congress International (SBCI), the International Conference of Building Officials (ICBO), the National Fire Protection Association (NFPA) without significant technical amendment or modification? Alternatively, if a significant technical amendment has been made to the above model codes, can the jurisdiction supply supporting data that the amendments do not negatively impact affordability? X Does your jurisdiction's zoning ordinance or land use regulations permit manufactured (HUD -Code) housing "as of right" in all residential districts and zoning classifications in which similar site -built housing is permitted, subject to design, density, building size, foundation requirements, and other similar requirements applicable to other housing that will be deemed realty, irrespective of the method ofproduction? X Within the past 5 years, has a jurisdiction official (that is, chief executive, mayor, county chairman, city manager, or administrator), the local legislative body, or planning commission directly, or in partnership with major private or public stakeholders, convened or funded comprehensive studies, commissions, or hearings, or has the jurisdiction established a formal ongoing process to review the rules, regulations, development standards, and processes of the jurisdiction to assess their impact on the supply of affordable housing? X Within the past 5 years, has the jurisdiction initiated major regulatory reforms either as a result of the above study or as a result of information identified in the barrier component of the jurisdiction's HUD Consolidated Plan? X 56 Within the past 5 years has your jurisdiction modified infrastructure standards and/or authorized the use of new infrastructure technologies (for example, water, sewer, street width) to significantly reduce the cost of housing? 12 X Does your jurisdiction give "as -of -right" density bonuses sufficient to offset the cost of building below - market units as an incentive for any market -rate residential development that includes a portion of affordable housing? (As applied to density bonuses, "as of right' means a density bonus granted for a fixed percentage or number of additional market -rate dwelling units in exchange for the provision of a fixed number or percentage of affordable dwelling units and without the use of discretion in determining the number of additional market -rate units.) Has your jurisdiction established a single, consolidated permit application process for housing development that includes building, zoning, engineering, environmental, and related permits? Alternatively, does your jurisdiction conduct concurrent, not sequential, reviews for all re uired permits and approvals? X Has your jurisdiction established a single, consolidated permit application process for housing development that includes building, zoning, engineering, environmental, and related permits? Alternatively, does your jurisdiction conduct concurrent, non sequential, reviews for all required permits and approvals? X Does your jurisdiction provide for expedited or "fast -track" permitting and approvals for all affordable housing projects in your community? X Has your jurisdiction established time limits for government review and approval or disapproval of development permits in which failure to act, after the application is deemed complete, by the government within the designated time period, results in automatic approval? X Does your jurisdiction allow "accessory apartments" either as (a) a special exception or conditional use in all single-family residential zones, or (b) "as of right' in most residential districts otherwise zoned for single-family housing? x Does your jurisdiction have an explicit policy that adjusts or waives existing parking requirements for all affordable housing developments? X Does your jurisdiction require affordable housing projects to undergo public review or special hearings when the project is otherwise in full compliance with the zoning ordinance and other development regulations? X TOTAL POINTS 15 5 In addition to the above chart, the City has implement incentive strategies for affordable housing projects to reduce barriers. These incentives were initiated by the Florida Housing Finance Corporation as part of the State Housing Initiative Partnership program. The following incentives have been implemented: A. Name of Strategy 1: Expedited Permitting a. Permits as defined in s. 163.3164(7) and (8) for affordable housing projects are expedited to a greater degree than other projects. b. The City expedites the processing of affordable housing permits through a pre -application conference and screening. C. Affordable housing projects are identified by sales price consistent with the SHIP program's housing value limits. d. The Building and Community Development Departments have employees that serve as liaisons with developers of affordable housing to assist in the permit process. All stamped "Expedited" permits are processed through one central designee to route accordingly. e. Affordable housing projects are stamped "Expedited". 57 B. Name of Strategy 2: On -going Review Process a. The City has developed a process to consider the impact of policies, procedures, ordinances, regulations, or plan revisions on affordable housing and housing costs prior to adoption by the City Commission. b. The City employs a public participation process with the City Commission and other advisory groups and committees to consider impacts of decisions on affordable housing and housing costs. C. The City Commission meets twice per month during which the public's input is sought on issues that have an impact on the cost of housing. d. All housing assistance programs are available via website for residents to obtain qualifying information as well as applications when programs are open. e. A member from the Housing staff will attend at least one training session per year relevant to the programs administered by the City. f. Program of Policy audit findings will result in an immediate review of the policy in question for revisions or necessary changes. C. Name of Strategy 3: Zero Lot Line Development a. The City allows zero lot line development. b. Zero lot lines maximize available land for affordable housing and helps maintain affordable housing costs within the City. Lead -based Paint 91.215 (1) 62. Describe the jurisdiction's plan to evaluate and reduce lead -based paint hazards and describe how lead based paint hazards will be integrated into housing policies and programs, and how the plan for the reduction of lead -based hazards is related to the extent of lead poisoning and hazards. As part of the Housing Assistance program, all properties receiving funds for Home Rehabilitation or Down Payment Assistance have lead based paint assessment completed. All property owners are given the "Protect your family from Lead Hazards" pamphlet. Abatement is conducted if the initial assessment indicates a lead based paint hazard exists. Antipoverty Strategy 91.2.15 0) 63. Describe the jurisdiction's goals, programs, and policies for reducing the number of poverty level families (as defined by the Office of Management and Budget and revised annually The City will continue to dedicate a majority of its federal and state funding to affordable housing strategies and coordinate with the Broward Coalition for the 58 Homeless and Broward County agencies to support additional programs to limit poverty among the residents of Tamarac. 64.Identify the extent to which this strategy will reduce (or assist in reducing) the number of poverty level families, taking into consideration factors over which the jurisdiction has control. The poverty rate is varies throughout Tamarac. Obviously income is the key contributor to poverty in today's households. According to the ACS the average household is at least $5,000 below the mean income deficit for families. The median household income for Tamarac is $41,029, while Broward County median household income is $53,236 as of the 2006-2008 ACS. Family status is another influencing factor affecting the poverty rate in the City of Tamarac. According to the 2006-2008 ACS, Poverty Status in the Past 12 Months table, approximately 27.3% of families in Tamarac was categorized at poverty status. Of this, 7.6% of families were shown to be below poverty level, 5.0% of families of married couples were below poverty level, and 14.9% of families with female head -of -household (no husband present) were below poverty level. 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 ACS reported that approximately 10% of Black families in Tamarac were below the poverty level. Hispanics were at the 6.8% mark for families below the poverty level. Whites (non -Hispanic Origin) reported 7.3% of families below the poverty level. 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 • Housing Opportunities for People with AIDS (HOPWA) Institutional Structure 91.2.15 (k) 65. Provide a concise summary of the institutional structure through which the jurisdiction will carry out its consolidated plan, including private industry, non-profit organizations, community and faith -based organizations, and public institutions. 59 The City's Housing programs will continue to be administered in-house by City staff. Internal City staff, committees, and Boards will review and recommend activities to be carried out under the Consolidated Plan. Additional input will be sought from outside agencies for the formulation of unmet needs and activities to address them. 66. Provide an assessment of the strengths and gaps in the delivery system. The City's Service Delivery System is largely conducted by City staff. Public Services are provided by the City's general funds, grant funds, local public services agencies and non-profit agencies. Coordination is strong, funding is weak. 67. Describe efforts to enhance coordination with private industry, businesses, developers, and social service agencies, particularly with regard to the development of the jurisdiction's economic development strategy. (91.215(l)) 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. Coordination 91,2.15 (1) 68. Describe the efforts to enhance coordination between public and assisted housing providers and governmental health, mental health, and service agencies. 69. Describe efforts in addressing the needs of persons that are chronically homeless with respect to the preparation of the homeless strategy. 70. Describe the means of cooperation and coordination among the state and any units of general local government in the metropolitan area in the implementation of the plan. 71. Describe efforts to enhance coordination with private industry, businesses, developers, and social service agencies, particularly with regard to the development of the jurisdiction's economic development strategy. 72. Describe the jurisdiction's efforts to coordinate its housing strategy with local and regional transportation planning strategies to ensure to the extent practicable that residents of affordable housing have access to public transportation. During the development of the Five Year Plan (2010-2014) the City sent out a "Needs Survey" to local and internal service providers as well as posted the survey on-line for additional public input. 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. The City's Community Development Department will act as the primary entity responsible for the coordinating, planning and implementing of programs and projects internally, and among private and public agencies. Monitoring 9.1.230 73. Describe the standards and procedures the jurisdiction will use to monitor its housing and community development projects and ensure long-term compliance with program requirements and comprehensive planning requirements. As required by its federally funded programs, the City conducts an Annual Audit and Single Audit Act review of programs. A copy of the City's CAFR is submitted to HUD on an annual basis. Additionally, the City will prepare its Consolidated Annual Performance Evaluation Report documenting achievement and performance. U.S Department of Housing and Urban Development as well as State funded agencies reserve the right to conduct reviews/audits of the programs proposed as part of the City's Annual Action Plan of Local Housing Assistance Plan. Housing Opportunities for People with AIDS (HOPWA) The City does not receive HOPWA Funds, however, local coordination and referral is available to Tamarac residents though the City's Social Services Division. *Refers to the HOP WA Table in the Needs.xls workbook. 61 74. Describe the activities to be undertaken with HOPWA Program funds to address priority unmet housing needs for the eligible population. Activities will assist persons who are not homeless but require supportive housing, such as efforts to prevent low-income individuals and families from becoming homeless and may address the housing needs of persons who are homeless in order to help homeless persons make the transition to permanent housing and independent living. 75.Identify any obstacles to meeting underserved needs and summarize the priorities and specific objectives, describing how funds made available will be used to address identified needs. 76. The Plan must establish annual HOPWA output goals for the planned number of households to be assisted during the year in: (1) short-term rent, mortgage and utility payments to avoid homelessness; (2) rental assistance programs; and (3) in housing facilities, such as community residences and SRO dwellings, where funds are used to develop and/or operate these facilities. The plan can also describe the special features or needs being addressed, such as support for persons who are homeless or chronically homeless. These outputs are to be used in connection with an assessment of client outcomes for achieving housing stability, reduced risks of homelessness and improved access to care. 77. For housing facility projects being developed, a target date for the completion of each development activity must be included and information on the continued use of these units for the eligible population based on their stewardship requirements (e.g. within the ten-year use periods for projects involving acquisition, new construction or substantial rehabilitation). 78. Provide an explanation of how the funds will be allocated including a description of the geographic area in which assistance will be directed and the rationale for these geographic allocations and priorities. Include the name of each project sponsor, the zip code for the primary area(s) of planned activities, amounts committed to that sponsor, and whether the sponsor is a faith -based and/or grassroots organization. 79. Describe the role of the lead jurisdiction in the eligible metropolitan statistical area (EMSA), involving (a) consultation to develop a metropolitan -wide strategy for addressing the needs of persons with HIV/AIDS and their families living throughout the EMSA with the other jurisdictions within the EMSA; (b) the standards and procedures to be used to monitor HOPWA Program activities in order to ensure compliance by project sponsors of the requirements of the program. Specific HOPWA Objectives The City does not receive HOPWA Funds, however, local coordination and referral is available to Tamarac residents though the City's Social Services Division. 80.Identify specific objectives that the jurisdiction intends to initiate and/or complete in accordance with the tables* prescribed by HUD. Is A Complete and submit Table 1 C Summary of Specific Objectives or, if using the CPMP Tool, the Summaries.xls worksheets. 81. Describe how Federal, State, and local public and private sector resources that are reasonably expected to be available will be used to address identified needs for the period covered by the strategic plan. 82.Include any Strategic Plan information that was not covered by a narrative in any other section. If optional tables are not used, provide comparable information that is required by consolidated plan regulations. 83. Section 108 Loan Guarantee If the jurisdiction has an open Section 108 project, provide a summary of the project. The summary should include the Project Name, a short description of the project and the current status of the project, the amount of the Section 108 loan, whether you have an EDI or BEDI grant and the amount of this grant, the total amount of CDBG assistance provided for the project, the national objective(s) codes for the project, the Matrix Codes, if the activity is complete, if the national objective has been met, the most current number of beneficiaries (jobs created/retained, number of FTE jobs held by/made available to LMI persons, number of housing units assisted, number of units occupied by LMI households, etc.) 84, Regional Connections Describe how the jurisdiction's strategic plan connects its actions to the larger strategies for the metropolitan region. Does the plan reference the plans of other agencies that have responsibilities for metropolitan transportation, economic development, and workforce investment? 63 Annual Action Plan �.0Mr. �V` o� The CPMP Annual Action Plan includes the SF 424 and Narrative Responses 0 to Action Plan questions that CDBG, HOME, HOP WA, and ESG grantees must respond to each year in order to be compliant with the Consolidated Planning Regulations. DEN NAME OF JURISDICTION: CITY OF TAMARAC, FL Annual Action Plan: FY 201012011 Consolidated Plan Time Period: FY 201012011— FY 201412015 Annual Action Plan includes the SF 424 and is due every year no less than 45 days prior to the start of the grantee's program year start date. HUD does not accept plans between August 15 and November 15. E.recutive Summary 91,220(b) The Executive Summary is required. Include the objectives and outcomes identified in the plan and an evaluation of past performance. 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 second 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 2010-2011, the City of Tamarac will receive $452,940.00 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 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 annual action plan incorporates priorities and programs addressing these goals. e, EXISTING PROGRAM The City of Tamarac receives federal funding under both the CDBG and HOME program. Additional funds are received from the State's, State Housing Initiative Partnership (SHIP) Program. To date activities approved using these funding sources focus on housing assistance (home rehabilitation), public service, and public facilities improvements. These activities benefit residents by direct assistance or indirectly through area -wide or limited clientele activities based on low -moderate income determinations. ACCOMPLISHMENTS Over the last year, U.S Department of Housing and Urban Development (HUD) funds (CDBG & HOME) have assisted with the following: ❖ Provided home rehabilitation for owner -occupied homes. •:; Installation and repair sidewalks and accessibility pads. ❖ Provided a full-time temporary social worker that assisted residents in obtaining referrals, counseling and other social service needs. ❖ Provided arthritis meditation/tai chi classes to seniors. ❖ Provided fitness/jazzercise classes for seniors. •3 Provided sessions of individual and group counseling. Citizen Partieipation 91.220(b) 2. Provide a summary of the citizen participation and consultation process (including efforts to broaden public participation in the development of the plan. 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 City published notice for the 30-day public review period which began June 14, 2010 and ended July 13, 2010. The first local public hearing was conducted by the City's Planning Board, on June 16, 2010, to receive comments on recommendations for the Consolidated Strategic Plan and the Annual Action Plan. The City Commission on July 14, 2010 by resolution adopted the Consolidated Strategic Plan and Annual Action Plan for submission to HUD. M11 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. 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. Community Development/Housing to solicit project March 11, 2010 recommendations from Department heads Advertisement for Public Hearing with City Planning Board June 13, 2010 Public Hearing at the Planning Board for input June 16, 2010 of activity proposals Advertisement for 30-day review period and Public June 13, 2010 Hearing on proposed FY 10/11 Annual Action Plan & Con Plan Beginning of 30-day review period Advertisement for Public Hearing with City Commission for final approval End of 30-day review period Commission approval and review/public hearing of recommended activities for final approval Prepare and publish FONSI/RROF Send HUD RROF Form 7015.15 Wait for HUD Clearance to commit funds 3. Provide a summary of citizen comments or views on the plan. were received on the Annual Action Plan. June 14, 2010 July 11, 2010 July 13, 2010 July 14, 2010 Sept. 1, 2010 Sept. 30, 2010 M.. 4. Provide a written explanation of comments not accepted and the reasons why these comments were not accepted. Had any comments been received, the City would have responded. No comments were received. Resources 9.1.220(c)(1)) and (c)(2) S. Identify the federal, state, and local resources (including program income) the jurisdiction expects to receive to address the needs identified in the plan. Federal resources should include Section 8 funds made available to the jurisdiction, Low -Income Housing Tax Credits, and competitive McKinney-Vento Homeless Assistance Act funds expected to be available to address priority needs and specific objectives identified in the strategic plan. As a recipient of CDBG, HOME and SHIP funds, the City intendeds to allocate according to priority need. For the next year, the City expects the housing market to change from the drastic slump it has been in since 2005. The appropriate federal and state 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. 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. 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, Miramar, and Coconut Creek was recently added. 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). 67 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. STATE RESOURCES State Housing Initiative Partnership (SHIP) Program The City of Tamarac receives an annual allocation under this program. Florida Housing administers the State Housing Initiatives Partnership program (SHIP), which provides funds to local governments as an incentive to create partnerships that produce and preserve affordable homeownership and multifamily housing. The program was designed to serve very low, low and moderate income families. SHIP funds are distributed on an entitlement basis to all 67 counties and 53 Community Development Block Grant entitlement cities in Florida. The minimum allocation is $350,000 and the maximum allocation is over $8.8 million. In order to participate, local governments must establish a local housing assistance program by ordinance; develop a local housing assistance plan and housing incentive strategy; amend land development regulations or establish local policies to implement the incentive strategies; form partnerships and combine resources in order to reduce housing costs; and ensure that rent or mortgage payments within the targeted areas do not exceed 30 percent of the area median income limits, unless authorized by the mortgage lender. SHIP dollars may be used to fund emergency repairs, new construction, rehabilitation, down payment and closing cost assistance, impact fees, construction and gap financing, mortgage buy -downs, acquisition of property for affordable housing, matching dollars for federal housing grants and programs, and homeownership counseling. SHIP funds may be used to assist units that meet the standards of chapter 553; SHIP funds may also be used to assist manufactured housing constructed after June 1994 in accordance with the installation standards defined in the rules of the Department of Highway Safety and Motor Vehicles. A minimum of 65 percent of the funds must be spent on eligible homeownership activities; a minimum of 75 percent of funds must be spent on eligible construction activities; at least 30 percent of the funds must be reserved for very -low income households (up to 50 percent of the area median income or AMI); an additional 30 percent may be reserved for low income households (up to 80 percent of AMI); and C�:1 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. STATE RESOURCES State Housing Initiative Partnership (SHIP) Program The City of Tamarac receives an annual allocation under this program. Florida Housing administers the State Housing Initiatives Partnership program (SHIP), which provides funds to local governments as an incentive to create partnerships that produce and preserve affordable homeownership and multifamily housing. The program was designed to serve very low, low and moderate income families. SHIP funds are distributed on an entitlement basis to all 67 counties and 53 Community Development Block Grant entitlement cities in Florida. The minimum allocation is $350,000 and the maximum allocation is over $8.8 million. In order to participate, local governments must establish a local housing assistance program by ordinance; develop a local housing assistance plan and housing incentive strategy; amend land development regulations or establish local policies to implement the incentive strategies; form partnerships and combine resources in order to reduce housing costs; and ensure that rent or mortgage payments within the targeted areas do not exceed 30 percent of the area median income limits, unless authorized by the mortgage lender. SHIP dollars may be used to fund emergency repairs, new construction, rehabilitation, down payment and closing cost assistance, impact fees, construction and gap financing, mortgage buy -downs, acquisition of property for affordable housing, matching dollars for federal housing grants and programs, and homeownership counseling. SHIP funds may be used to assist units that meet the standards of chapter 553; SHIP funds may also be used to assist manufactured housing constructed after June 1994 in accordance with the installation standards defined in the rules of the Department of Highway Safety and Motor Vehicles. A minimum of 65 percent of the funds must be spent on eligible homeownership activities; a minimum of 75 percent of funds must be spent on eligible construction activities; at least 30 percent of the funds must be reserved for very -low income households (up to 50 percent of the area median income or AMI); an additional 30 percent may be reserved for low income households (up to 80 percent of AMI); and C�:1 the remaining funds may be reserved for moderate -income households (up to 120 percent of AMI.). It is important to note that no more than 5 percent of SHIP funds may be used for administrative expenses. However, if a local government makes a finding of need by resolution, a local government may use up to 10 percent for administrative expenses. Funding for this program was established by the passage of the 1992 William E. Sadowski Affordable Housing Act. Funds are allocated to local governments each month on a population -based formula. These funds are derived from the collection of documentary stamp tax revenues, which are deposited into the Local Government Housing Trust Fund. Total actual disbursements are dependent upon these documentary stamp collections. 6. Explain how federal funds will leverage resources from private and non-federal public LYIy/firorM To the extent of the activities described in this Annual Action Plan, private or non- federal leveraging is not likely. Most of the leveraging comes from private sources under the State SHIP Program under the Down Payment Assistance Program. Annual Objectives 9.1.220(c)(3) *If not using the CPMP Tool: Complete and submit Table 3A. *If using the CPMP Tool: Complete and submit the Summary of Specific Annual Objectives Worksheets or Summaries.xls Goals and objectives to be carried out during the action plan period are indicated by placing a check in the following boxes. ❑ assisting homeless ❑ improving the safety H job creation and persons obtain and livability of retention affordable housin neighborhoods ❑ assisting persons at ® eliminating blighting ❑ establishment, risk of becoming influences and the stabilization and homeless deterioration of expansion of small property and facilities business (including micro -businesses) ❑ retaining the affordable 0 increasing the access ❑ the provision ofpublic housing stock to quality public and services concerned rivate acilities I with em to ment increasing the reducing the isolation the provision of jobs availability of of income groups to low-income persons .• affordable permanent within areas through living in areas housing in standard spatial affected by those condition to low- deconcentration of programs and income and moderate- housing opportunities activities under income families, for lower income programs covered by particularly to persons and the the plan members of revitalization of disadvantaged deteriorating minorities without neighborhoods discrimination on the basis of race, color, religion, sex, national origin, familial status, or disability ❑ increasing the supply of ❑ restoring and ❑ availability of supportive housing preserving properties mortgage financing which includes of special historic, for low income structural features and architectural, or persons at reasonable services to enable aesthetic value rates using non- persons with special discriminatory lending needs (including practices persons with HIV/ADOS) to live in dignity and independence providing affordable El conserving energy access to capital and housing that is resources and use of credit for development accessible to job renewable energy activities that promote opportunities sources the long-term economic social viability of the community 7. Provide a summary of specific objectives that will be addressed during the program year. Description of Activities 91.220(d) anti' (e) *If not using the CPMP Tool: Complete and submit Table 3C *If using the CPMP Tool: Complete and submit the Projects Worksheets and the Summaries Table. 8. Provide a summary of the eligible programs or activities that will take place during the program year to address the priority needs and specific objectives identified in the strategic plan, 70 CDBG FY 2010-2011 PROPOSED PROJECTS DESCRIPTIONS Five (5) activities were proposed by City departments. All five activities were eligible and were recommended for funding. In addition to the five (5) projects submitted for approval, the FY 2010/2011 Annual Action Plan, two (2) administrative activities were included: Program Administration and Auditing. Public Service (Counseling) $ 10,395.00 This activity will include funding for support groups to individuals, families, and single mothers as a result of continuing family issues (bereavement, mental health, parenting skills). Approximately 50 hours of individual counseling and 55 hours of women's counseling will be provided this fiscal year. 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) $ 44,025.00 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 93 calls a month and managing a caseload of about 25 a week. Approximately one hundred -forty (140) unduplicated clients will be served by the Social Worker this fiscal year. 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 (Fit 4 U Jazzercise) $ 10,400.00 This activity will include funding for Jazzercise which is a blend of jazz dance and easy -to -follow exercise movements set to various music including pop, jazz, country, funk, and classics. Each 60 minute class includes a gentle warm up, a 30 minute aerobic workout, a muscle toning and strengthening session which may be done with weights and a stretch finale or warm down. Approximately seventy-five (75) clients per class will be served by the Fit 4 U Jazzercise this fiscal year with 4 classes available per 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. Public Service (English Language Class) $ 3,120.00 This activity will include funding for English as a second language course that will be offered to adult and elderly residents. Approximately 12 residents will participate in the English Language class per week as qualified under 570.201(e) Public Services. Residential Rehabilitation (Minor Home Repair) $164,412.00 This activity will provide minor home repairs to a minimum of eight (8) low to moderate -income households who are experiencing conditions in and around the home that pose a threat to health, safety, and welfare of the household occupants. 71 This project will be carried out on a citywide basis. This activity is eligible under 24 CFR Section 570.202(a) and will benefit low and moderate -income households on an area -wide basis. Area -Wide Low -Moderate Neighborhood Benefit $ 130,000.00 (Installation of Sidewalks) The activity will provide for installation of sidewalks in low -moderate income neighborhoods. There are no existing sidewalks at these locations and the installation will improve accessibility and allow for area -wide benefit. This activity is eligible under 24 CFR Section 570.208 (a) (1) Auditing Services $ 5,500.00 Since the FY 2010 CDBG program is an expenditure driven program that may result in total federal expenditures exceeding $500,000, the City is required under the U.S. Single Audit Act and the OMB Circular A-133 to have an annual compliance audit conducted. These activities are presumed to benefit low and moderate -income persons and are eligible under 24 CFR 570.206(a). Program Administration $ 85,088.00 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). FY 2010 Activity Distribution Allocation: $452,940.00 $67,940.00 , 15% $90,588.00 , 20% ■ Public Service ■ Home Rehabilitation ■ Sidewalks ■ Program Administration $164,412.00 , 36% $130,000.00 , 29% 72 HOME FY 2010-2011 PROPOSED PROJECTS DESCRIPTIONS (Broward County Consortium Member) Home Rehabilitation Minimum of 5 recipients SHIP FY 2010-2011 PROPOSED PROJECTS DESCRIPTIONS (IF FUNDED) Down Payment Assistance Minimum of 4 recipients Home Rehabilitation Minimum of 8 recipients Minor Home Rehabilitation Roof Repair Storm Shutters/Impact Resistant Windows Emergency Repair Disaster Relief (As needed) Describe the outcome measures for activities in accordance with Federal Register Notice dated March 7, 2006, i.e., general objective category (decent housing, suitable living environment, economic opportunity) and general outcome category (availability/accessibility, affordability, sustainability). The City plans to fund the above activities to produce outcomes that fulfill HUD's objectives as follows: Accessibility, Affordability, and Sustainability for the purpose of creating suitable living environments, Project: Public Service (Support Groups, Social Worker, Fitness class and English Language Course) Public facilities Improvement/Low-Mod Area Benefit (Sidewalks) Accessibility, Affordability, and Sustainability for the purpose providing decent affordable housing. Project: Residential Rehabilitation 73 PERFORMANCE MEASUREMENTS FY 2010-2011 8 -CDBG PER YEAR Minor Home CDBG, SHIP, Number of homes 5 — HOME PER 1 Rehabilitation HOME assisted YEAR DH-3 Installation of Sidewalks and Number of 2 Accessibility Pads CDBG Sidewalks Installed 20 PER YEAR SL-! Number of CDBG & unduplicated 30 residents 3 Support Groups CITY residents attending PER YEAR SL-1 Number of unduplicated CDBG & residents 75 residents 4 Fitness 4 U Class CITY participants per Class SL-1 140 Number of unduplicated Temporary Full- CDBG & unduplicated residents 5 Time Social Worker CITY clients/cases PER YEAR SL-1 Number of unduplicated English Language residents 6 Course CDBG artici ating 12 per course SL-1 Geographic Distributionl llocation Priorities 91.220(d) and (f) 9. Describe the geographic areas of the jurisdiction (including areas of low income families and/or racial/minority concentration) in which assistance will be directed during the next year. Where appropriate, the jurisdiction should estimate the percentage of funds the jurisdiction plans to dedicate to target areas. The City utilizes data from the 2000 Census to create a low -moderate income map for the City. All projects proposed take place within those designated areas. See Appendix V. 10. Describe the reasons for the allocation priorities, the rationale for allocating investments geographically within the jurisdiction (or within the EMSA for HOPWA) during the next year, and identify any obstacles to addressing underserved needs. The main focus is maintaining affordable housing and public services to all low - moderate income residents of Tamarac, including those with special needs. The major obstacle is funding, or lack thereof. Both federal and state allocations fluctuate and are often decreased from year to year making planning for the future and meeting the needs of the underserved difficult. Another obstacle may be the lack of data to justify allocating funds to what may appear to be an unmet need. The 2000 Census is out dated, the 2010 Census is not available yet, and local resources may be unavailable to confirm an unmet need. Annxral Affordahle Housing Goals 91.220(g) *If not using the CPMP Tool. Complete and submit Table 3B Annual Housing Completion Goals. *If using the CPMP Tool. Complete and submit the Table 3B Annual Housing Completion Goals. 11. Describe the one-year goals for the number of homeless, non -homeless, and special -needs households to be provided affordable housing using funds made available to the jurisdiction and one-year goals for the number of households to be provided affordable housing through activities that provide rental assistance, production of new units, rehabilitation of existing units, or acquisition of existing units using funds made available to the jurisdiction. The term affordable housing shall be defined in 24 CFR 92.252 for rental housing and 24 CFR 92.254 for homeownership. Home Rehabilitation will be the only affordable housing activity in the FY 2010/2011 Annual Action Plan. It is anticipated that a minimum of 5 to 10 dwelling units for FY 2010/2011 will receive assistance under this program. The City of Tamarac intends to allocate funds to sustaining the existing housing stock, making funds available for barrier free accessibility, and preserving homes through strengthening and mitigation, and ensuring there is affordability in homeownership. In conjunction with the City's HOME and SHIP program funds, the City will provide funding for Home Rehabilitation, including Disaster Mitigation, Barrie Free Accessibility, Code Correction, and Emergency Repairs, as well as Down Payment Assistance to low -moderate income households. 75 The total rehabilitation cost may be limited to a minimum of five hundred dollars ($500) to a high of thirty thousand dollars ($30,000). The program will target low income households. However, moderate -income households will also be eligible to participate. 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 fagade treatment, painting, minor exterior wood and/or masonry repairs, and energy efficiency. improvements. 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. As part of the Home Rehabilitation activity, 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. .Public Housing 9.1.220(h) 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 housing project that was built in 1974 in the adjacent City of Coral Springs; a majority of the units are for the elderly. 12. Describe the manner in which the plan of the jurisdiction will help address the needs of public housing and activities it will undertake during the next year to encourage public housing residents to become more involved in management and participate in homeownership. 13. If the public housing agency is designated as "troubled" by HUD or otherwise is performing poorly, the jurisdiction shall describe the manner in which it will provide financial or other assistance in improving its operations to remove such designation during the next year. Honieless and Special Needs 91.220(i) The City of Tamarac does not currently fund any homeless or homeless prevention strategies. Any homeless identified within the City are assisted through HIP. The City of Tamarac's Social Service Division is also available to assist residents with resources within the County. A survey conducted in 2009 found that there were 4,154 homeless persons in Broward County. Although dispersed throughout the entire county, the vast majority of homeless persons were concentrated within the older communities of Pompano Beach, Fort Lauderdale, and Hollywood, where the majority of services to the homeless are provided. 14. Describe, briefly, the jurisdiction's plan for the investment and use of available resources and describe the specific planned action steps it will take over the next year aimed at eliminating chronic homelessness. 15. Describe specific action steps to address the needs of persons that are not homeless identified in accordance with 91.215(e). 16 Homelessness Prevention —Describe planned action steps over the next year to address the individual and families with children at imminent risk of becoming homeless. Barriers to Affordable Housing 91.2200) 17. Describe the actions that will take place during the next year to remove barriers to affordable housing. The City continues to support affordable housing efforts by focusing on the grants available through the CDBG, SHIP and HOME programs. By partnering with Broward County Home Consortium and Florida Housing Finance Authority, the City is able to refer residents for home ownership counseling and lender's programs as a way to negate predatory lending. The City also has lender requirements which must be met in order to fund individual requests for assistance to ensure fair housing practices. 77 The City of Tamarac is a participating member of the Broward Housing and Community Development Task Force which allows for participating agencies to share commons barriers to affordable housing and important resources to overcoming them. The Task Force addresses foreclosure prevention, fair housing, incentives, and any other topics related to housing and community development. The City currently has several incentive strategies for builders and developers working with affordable 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." Other Actions 91,220(k) 18. Describe the actions that will take place during the next year to address obstacles to meeting underserved needs, foster and maintain affordable housing, evaluate and reduce the number of housing units containing lead -based paint hazards, reduce the number of poverty -level families develop institutional structure, enhance coordination between public and private agencies (see 91.215(a), (b), (1), (j), (k), and q)). The City has been working with Broward County to create an Affordable Housing Policy. This policy will lay out the City's plans to foster and maintain affordable housing, ensure future housing needs are met and development is in coordination with the City's Comprehensive and Consolidated Plans. In addition to the long-term goals of the policy, the Housing Division will continue to provide lead -based paint assessments and abatement on properties identified and containing hazards. 19. Describe the actions to coordinate its housing strategy with local and regional transportation planning strategies to ensure to the extent practicable that residents of affordable housing have access to public transportation. VR Throughout the year, City staff participate in several community events, outreach efforts, educational workshops, public service announcements, and invitational guest speaking opportunities at various communities, boards, organizations, non -profits, and for -profits to assess the needs of the community and share information with the residents of Tamarac as to the availability of funds Several members of City staff are members of general local government planning boards, committees and sub -committees at which county -wide coordination is reached on issues pertaining to planning, transportation, housing, community development and neighborhood revitalization. CDBG 9.1.220(l)(1) 1. Identify program income expected to be received during the program year, including: • amount expected to be generated by and deposited to revolving loan funds; • total amount expected to be received from each new float funded activity included in this plan; and • amount expected to be received during the current program year from a float funded activity described in a prior statement or plan. Program Income is only generated when a previous recipient of CDBG funds breaks the terms of their deferred loan and repayment is due to the City. The City's Home Rehabilitation activity is the only activity in which funds are issued as a deferred loan. Recapture Terms/Affordability Period for the Housing activities are as such: Deferred loan secured by a lien against the property for a period of ten (10) years with zero (0) percent interest with a principal reduction of twenty (20) percent beginning in year six. At the end of the tenth year, the loan is forgiven. The pro- rated repayment is due upon the sale or transfer of the property or if cash equity is taken out within the ten (10) year loan term. The City's loan documents provide that the obligation for repayment shall continue for the entire recapture terms even in the event of the death of the homeowner. The obligation to repay funds during the recapture period in the event of the sale of the property, or due to failure to comply with the obligations as stated in the loan document shall transfer to any heir or beneficiary of the deceased property owner. The sale, transfer of ownership of the Property, refinancing of the Property with a cash payment to the Owner -Occupant, or the Owner -Occupant's vacation of the property as a primary residence during the ten (10) year term of the Agreement Wal shall constitute a default. The prorated amount of the principal balance of the Deferred Payment loan that is remaining to be paid at the time of the default shall be payable, in full, to the City of Tamarac. 2. Program income received in the preceding program year that has not been included in a statement or plan. 3. Proceeds from Section 108 loan guarantees that will be used during the year to address the priority needs and specific objectives identified in its strategic plan. 4. Surplus funds from any urban renewal settlement for community development and housing activities. 5. Any grant funds returned to the line of credit for which the planned use has not been included in a prior statement or plan. 6. Income from float funded activities. 7. Urgent need activities, only if the jurisdiction certifies. 8. Estimated amount of CDBG funds that will be used for activities that benefit persons of low - and moderate income. The City of Tamarac proposes to fund $164,412.00 to Home Rehabilitation for low - moderate income households. This amount is expected to assist 5 to 10 households. .HOME 9.1.220(l) (2) 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. In 2009 the City of Coconut Creek was added to the Consortium. 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). With the additional HOME funds, the City can increase the resources available for home rehabilitation. An additional 4 to 6 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. City Staff is able to provide the residents with direct access and assistance in the applying for, and processing of HOME funds. In May 2009, the City of Tamarac renewed their commitment to the Broward County HOME Consortium by entering into a new three year Interlocal Agreement. 1. Describe other forms of investment. (See Section 92.205) If grantee (PJ) plans to use HOME funds for homebuyers, did they state the guidelines of resale or recapture, as required in 92.254. 2. If grantee (PJ) plans to use HOME funds to refinance existing debt secured by multifamily housing that is being rehabilitated with HOME funds, state its refinancing guidelines required under 24 CFR 92.206(b). 3. Resale Provisions -- For homeownership activities, describe its resale or recapture guidelines that ensure the affordability of units acquired with HOME funds? See 24 CFR 92.254(a) (4). 4. HOME Tenant -Based Rental Assistance -- Describe the local market conditions that led to the use of HOME funds for tenant based rental assistance program. If the tenant based rental assistance program is targeted to or provides a preference for a special needs group, that group must be identified in the Consolidated Plan as having an unmet need and show the preference is needed to narrow the gap in benefits and services received by this population. 5. If a participating jurisdiction intends to use forms of investment other than those described in 24 CFR 92.205(b), describe these forms of investment. 6. Describe the policy and procedures it will fallow to affirmatively market housing containing five or more HOME -assisted units. 7. Describe actions taken to establish and oversee a minority outreach program within its jurisdiction to ensure inclusion, to the maximum extent possible, of minority and women, and entities owned by minorities and women, including without limitation, real estate firms, construction firms, appraisal firms, management firms, financial institutions, investment banking firms, underwriters, accountants, and providers of legal services, in all contracts, entered into by the participating jurisdiction with such persons or entities, public and private, in order to facilitate the activities of the participating jurisdiction to provide affordable housing under the HOME program or any other Federal housing law applicable 81 to such jurisdiction. 8. If a jurisdiction intends to use HOME funds to refinance existing debt secured by multifamily housing that is rehabilitated with HOME funds, state its financing guidelines required under 24 CFR 92.206(b). HOPWA 9.1.220(l)(3) The City of Tamarac is not a recipient of HOPWA funds. 1. One year goals for the number of households to be provided housing through the use of HOPWA activities for: short-term rent, mortgage, and utility assistance to prevent homelessness of the individual or family, tenant -based rental assistance, units provided in housing facilities that are being developed, leased, or operated. Include any action plan information that was not covered by a narrative in any other section. If optional tables are not used, provide comparable information that is required by consolidated plan regulations. .Fair Housing Fair Housing in the City of Tamarac is promoted during community events, workshops, and as part of the one-on-one housing counseling at the staff level. The City maintains a Scope of Work with H.O.P.E Inc. for all its Fair Housing initiatives and needs. The Fair Housing Action Plan consists of updating the City's Analysis of Impediments, conducting Fair Housing educational outreach sessions, distributing Fair Housing and Predatory Lending educational materials, conducting in partnership with other jurisdictions a National Fair Housing Month event, and publishing several Public Service Announcements. The last update to the City's Analysis of Impediments was completed in 2008. Additionally, the H.O.P.E, Inc. Discrimination Hotline phone number has been added the City's website and it published in the City's Tam -A -Gram newsletter once per year. See Appendix V for the City's Updated Analysis of Impediments prepared by H.O.P.E Inc. in 2008. 82 APPLICATION FOR OMB Approved No- 3076-0006 Version 7/03 FEDERAL ASSISTANCE 2. DATE SUBMITTED Applicant Identifier July 14, 2010 1. TYPE OF SUBMISSION: 3. DATE RECEIVED BY STATE State Application Identifier Application Pre -application Construction Construction 4. DATE RECEIVED BY FEDERAL AGENCY Federal Identifier Non -Construction 17 Non -Construction 5. APPLICANT INFORMATION Legal Name: Organizational Unit: CITY OF TAMARAC Department: City Manager's Office Organizational DUNS: Division: 077270940 Community Development Address: Name and telephone number of person to be contacted on matters involving this application (give area code) Street: 7525 NW 88 Avenue Prefix: First Name: Mr- Jeffrey City: Tamarac Middle Name L Coup Name Broward Mille State: te: Zip Code Suffix: 33321 USA try. Email: jeffm@tamarac-org 6. EMPLOYER IDENTIFICATION NUMBER (EIN): Phone Number (give area code) Fax Number (give area code) 5❑ E_ 1❑ E 19❑ 5❑ K RI 954-597-3510 954-597-3520 8. TYPE OF APPLICATION: 7. TYPE OF APPLICANT: (See back of form for Application Types) New Continuation( Revision If Revision, enter appropriate letter(s) in box(es) C-Municipal (See back of form for description of letters.) Other (specify) El ❑ Other (specify) 9. NAME OF FEDERAL AGENCY: US Department of HUD 10. CATALOG OF FEDERAL DOMESTIC ASSISTANCE NUMBER: 11. DESCRIPTIVE TITLE OF APPLICANT'S PROJECT: 11 4 I_f.;1f;'11 a I '� �` l� 'll ' I 5-Year Consolidated Plan: TITLE (Name of Program): Labor management Cooperation Program Public Service Activities Home Rehabilitation Public Facilities Improvement (Area Wide Low -Mod Benefit) 12. AREAS AFFECTED BY PROJECT (Cities, Counties, States, etc.): Tamarac's Low -Moderate Areas 13. PROPOSED PROJECT 14. CONGRESSIONAL DISTRICTS OF: Start Date: Ending Date: a. Applicant b. Project 10-01-2010 09-30-2015 19, 20 & 23 19, 20 & 23 15. ESTIMATED FUNDING: 16. IS APPLICATION SUBJECT TO REVIEW BY STATE EXECUTIVE RDER 12372 PROCESS? a. Federal $ Yes, THIS PREAPPLICATION/APPLICATION WAS MADE 452,940 a. AVAILABLE TO THE STATE EXECUTIVE ORDER 12372 PROCESS FOR REVIEW ON DATE: b. No. ir'?l PROGRAM IS NOT COVERED BY E. 0. 12372 OR PROGRAM HAS NOT BEEN SELECTED BY STATE b. Applicant c. State $ d. Local e. Other $ HOME 130,000 FOR REVIEW f. Program Income 17, IS THE APPLICANT DELINQUENT ON ANY FEDERAL DEBT? Yes If "Yes" attach an explanation. IZ No g.TOTAL $ 582,940 18. 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 Ropresentativ ,ox First Name Jeffrey Middle Name L. Last Name Miller Suffix b. Title City Manager c. Telephone Number (give area code) d. Signatur ed Reyreser}tjv���y �954-597-3510 Date Signed / /O "' V, au'a 7- `" Standard Form 424 (Rev.9-2003) Authorized for Local Reproduction Prescribed by OMB Circular A-102 Cf01.71lI 11 [fl lilII.DIONK In accordance with the applicable statutes and the regulations governing the consolidated plan regulations, the jurisdiction certifies that: Affirmatively Further Fair Housing -- The jurisdiction will affirmatively further fair housing, which means it will conduct an analysis of impediments to fair housing choice within the jurisdiction, take appropriate actions to overcome the effects of any impediments identified through that analysis, and maintain records reflecting that analysis and actions in this regard. Anti -displacement and Relocation Plan -- It 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 -- It will or will continue to provide a drug -free workplace by: 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; 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 I that, as a condition of employment under the grant, the 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; Notifying the agency in writing, within ten 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 arnended; 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; Making a good faith effort to continue to maintain a drug -free workplace through implementation of paragraphs 1, 2, 3, 4, 5 and 6. Anti -Lobbying -- To the best of the jurisdiction's knowledge and belief: 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; 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 It will require that the language of paragraph 1 and 2 of this anti -lobbying certification be included in the award documents for all subawards at all tiers (including subcontracts, subgrants, and contracts under grants, loans, and cooperative agreements) and that all subrecipients shall certify and disclose accordingly. Authority of Jurisdiction -- The consolidated plan is authorized under State and local law (as applicable) and the jurisdiction possesses the legal authority to carry out the programs for which I t is seeking funding, in accordance with applicable HUD regulations. Consistency with plan -- The housing activities to be undertaken with CDBG, HOME, ESG, and HOPWA funds are consistent with the strategic plan. Section 3 -- It will comply with section 3 of the Housing and Urban Development Act of 1968, and implementing regulations at 24 CFR Part 135. (, %� •fir % / if —lee Sign re Authorized Official* Date Title Specific CDBG Certifications The Entitlement Community certifies that: Citizen Participation It is in full compliance and following a detailed citizen participation plan that satisfies the requirements of 24 CFR 91.105. Community Development Plan -- Its 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 -- It is following a current consolidated plan (or Comprehensive Housing Affordability Strategy) that has been approved by HUD. Use of Funds -- It has complied with the following criteria: Maximum Feasible Priority. With respect to activities expected to be assisted with CDBG funds, it 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 Benefit. The aggregate use of CDBG funds including section 108 guaranteed loans during program year(s) , (a period specified by the grantee consisting of 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. It 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 (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. The jurisdiction 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 -- It has adopted and is enforcing: 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 confonnity with title VI of the Civil Rights Act of 1964 (42 USC 2000d), the Fair Housing Act (42 USC 3601-3619), and implementing regulations. Lead -Based Paint -- Its activities concerning lead -based paint will comply with the requirements of 24 CFR Part 35, subparts A, B, J, K and R; Compliance with Laws -- It will comply with applicable laws. Si r thorized Officia Ve Title OPTIONAL CERTIFICATION CDBG Submit the following certification only when one or more of the activities in the action plan are designed to meet other community development needs having a particular urgency as specified in 24 CFR 570.208(c): The grantee hereby certifies that the Annual Plan includes one or more specifically identified CDBG-assisted activities which 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 to meet such needs. Signature/Authorized Official Date Title Specific HOME Certifications The HOME participating jurisdiction certifies that: Tenant Based Rental Assistance -- if the participating jurisdiction intends to provide tenant -based rental assistance: The use of HOME funds for tenant -based rental assistance is an essential element of the participating jurisdiction's consolidated plan for expanding the supply, affordability, and availability of decent, safe, sanitary, and affordable housing. Eligible Activities and Costs -- it is using and will use HOME funds for eligible activities and costs, as described in 24 CFR § 92.205 through 92.209 and that it is not using and will not use HOME funds for prohibited activities, as described in § 92.214. Appropriate Financial Assistance -- before committing any funds to a project, it will evaluate the project in accordance with the guidelines that it adopts for this purpose and will not invest any more HOME funds in combination with other Federal assistance than is necessary to provide affordable housing. SigrXWre/ uthorized Official,) Date C��"�'� Title APPENDIX TO CERTIFICATIONS INSTRUCTIONS CONCERNING LOBBYING AND DRUG -FREE WORKPLACE REQUIREMENTS: A. Lobbying 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 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. 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). 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). b. 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 24, subpart F. Definitions of terms in the Nonprocurement 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 frorn these rules: "Controlled substance" means a controlled substance in Schedules I through V 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 contendere) 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: (i) 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 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 subrecipients or subcontractors in covered workplaces). U.S. Department of Housing and Urban Development Consolidated Plan Tables U.S. Department of Housing and Urban Development OMB Approval No. 2506-0117 (Exp. 4/30/2011) Table 1A Homeless and Special Needs Populations Continuum of Care: Housing Gap Anal sis Chart Current Under Unmet Need/ Inventory Development Gap According to a report prepared by Broward County after a survey of Homeless was conducted, less than 1% of Broward County's homeless reside in the City of Tamarac, FL. Individuals y: ndtai' a v a y p'� a x 3 ✓ �' 1' ' xa i % t k. �i '�°� � L�� d •�r�•. � ����.•%� �•. �%w�ni �� <4Q Emergency Shelter 0 0 0 Beds Transitional Housin 0 0 0 Permanent Su ortive Housing 0 0 0 Total 0 0 0 Persons in Families With Children Beds —EmergencyShelter 0 0 0 —Ernergency Transitional Housing 0 0 0 Permanent Supp ortive Housing 0 0 0 Total 0 0 0 Continuum of Care: Homeless Ponulation and Subnonulations Chart Part 1: Homeless Population Sheltered Unsheltered Total Emergency Transitional Number of Families with Children (Family 0 Households): 1. Number of Persons in Families with 0 Children 2. Number of Single Individuals and Persons 0 in households without children (Add Lines Numbered 1 & 2 Total Persons Part 2: Homeless Subpopulations Sheltered Unsheltered Total a, -Chronically Homeless 0 0 0 b. Seriously Mental) ill 03IT c. Chronic Substance Abuse 0 ,z ,fir r d. Veterans 0n�; e. Persons with HIV/AIDS f. Victims of Domestic Violence 06 g. Unaccompanied Youth (Under 18) 0 U.S. Department of Housing and Urban Development OMS Approval No. 2506-0117 (Exp. 4/30/2011) Table 1B Special Needs (Non -Homeless) Populations SPECIAL NEEDS SUBPOPULATIONS Priority Need Level High, Medium, Low, No Such Need Unmet Need Dollars to Address Unmet Need Multi- Year Goals Annual Goals Elderly H $ 30,000 Frail Elderly H $ 30,000 Severe Mental Illness M $ 0.00 Developmentally Disabled L $ 0.00 Physically Disabled H $ 30,000 Persons w/ Alcohol/Other Drug Addictions L $ 0.00 Persons w/HIV/AIDS M $ 0.00 Victims of Domestic Violence M $ 0.00 Other TOTAL $ 90,000 Transition Table 1C Summary of Specific Housing/Community Development Objectives (Table IA/1B Continuation Sheet) Obj # Specific Objectives Sources of Funds Performance Indicators Expected Number Actual Number Outcome/ Objective* Homeless Objectives Special Needs Objectives 1 Home Rehabilitation for those with Special Needs CDBG, HOME, SHIP Per Unit I Unit Per Year DHI D142 13113 2 Public services for those with Special Needs CDBG Per Resident 30 Per Year SLI Other Objectives 1 Public facilities Improvements (Low Mod Areas) CDBG, CITY PER PROJECT 1 Per Year, as funded SL1 *Outcome/Objective Codes Availability/AccessibilityAvailability/Accessibility Affordability Sustainabilit Decent Housing 1311-1 DH-2 DH-3 Suitable Living Environment SL-1 SL-2 SL-3 Economic Opportunity EO.1 EO-2 EO-3 U.S. Department of Housing OMB Approval No. 2506-0117 and Urban Development (Exp. 4/30/2011) Table 1C Summary of Specific Objectives Urantee Name: C:11 Y Ur' 11A1V1ARAU, _FL Specific Objective Source of Year Performance Expected Actual Percent Funds Indicators Number Number Completed DH 2O10 % 1.1 2011 % 2012 % 2013 % 2014 % MULTI -YEAR GOAL % A# t►t dabill , `bf 060''fit H600n'" DH Down Payment Assistance SHIP 2010 PER UNIT 2 % 2.1 Subsidy 2011 PER UNIT 2 % 2012 PER UNIT 2 % 2013 PER UNIT 2 % 2014. PER UNIT 2 % MULTI -YEAR GOAL 10 % x d Su5tainabill af;1!eceut liousin' DH Horne Rehabilitation CDBG 2010 PER UNIT 10 % 3.1 Assistance HOME 2011 PER UNIT 10 % SHIP 2012 PER UNIT 10 % 2013 PER UNIT 10 % 2014 PER UNIT 10 % MULTI -YEAR GOAL 50 % bili , nib: ;, 1iiultt 1�nv�rnMI'« La SL Public Service Activities CDBG 2010 PER RESIDENT 250 % 1.1 (Seniors, 2011 PER RESIDENT' 250 % Families, 2012 PER RESIDENT 250 % Individuals, Youth) 2013 PER RESIDENT 250 % 2014 PER RESIDENT 250 % MULTI -YEAR GOAL 1,250 % AVailnbiiit° ceessiblityofSuitab.. SL Public Facilities CDBG, 2010 PER PROJECT I % L1 Improvement (Low Mod CITY 2011 PER PROJECT I % Areas) 2012 PER PROJECT 1 % 2013 PER PROJECT 1 % 2014 PER PROJECT 1 % MULTI -YEAR GOAL 5, but not % funded each ��ttst�tn%k ��a1+e Lewin �nvirolrtrtent ('�. k'^ ',�,,� SL 2010 % 3.1 2011 % 2012 % 2013 % 2014 % MULTI -YEAR GOAL % Table 1C Summary of Specific Objectives Grantee Name: CITY OF TAMARAC, FL Mill abili ' `/ il�it'i of Eco loraic D rtut it -tat . Specific Objective Source of Year Performance Expected Actual Percent Funds Indicators Number Number Completed EO 2010 % 1 1 2011 % 2012 % 2013 % 2014 % MULTI -YEAR GOAL % 1ltl' tsiailit 'ofcci�`.mlr oirtunity EO-2 EO 2010 % 2,1 2011 % 2012 % 2013 % 2014 % GOAL % i 4, S 411.7ta�.al'/l;�/f �p1 y y ,;jMU�YL�TIn-YEAyR S �iIbQ1�Vie l/�t':a}�]�'"" EO 2010 % 3.1 2011 % 2012 % 2013 % 2014 % MULTI -YEAR GOAL % "rifei irb'�ptl Revitaliation'1R�I NR Neighborhood Partnership CITY 2010 Per Partnership 4 % 1.1 Program (When Funded) 2011 Per Partnership 4 % 2012 Per Partnership 4 % 2013 Per Partnership 4 % 2014 Per Partnership 4 % MULTI -YEAR GOAL 20 % O 2010 % 1.1 2011 % 2012 % 2013 % 2014 % MULTI -YEAR GOAL % Oth;er(Q� O 2010 2.1 2011 % 2012 2013 % 2014 MULTI -YEAR GOAL % Table 2A Priority Housing Needs/Investment Plan Table Renter Small Related 0-30% M 31-50% M 51-80% M Large Related 0-30% M 31-50% M 51-80% M Elderly 0-30% M 31-50% M 51-80% M All Other 0-30% M 31-50% M 51-80% M Owner Small Related 0-30% H 31-50% H 51-80% M Large Related 0-30% H 31-50% H 51-80% M Elderly 0-30% H 31-50% H 51-80% N! All Other 0-30% H 31-50% H 51-80% M Elderly 0-80% H Frail Elderly 0-80% H Severe Mental Illness 0-80% H Non -Homeless Special Needs Physical Disability 0-80% H Developmental Disability 0-80% H Alcohol/Drug Abuse 0-80% M HIV/AIDS 0-80% M. Victims of Domestic Violence 0-80% H Table 2A Priority Housing Needs/Investment Plan Goals Prtority lYreecl Yr' ti�rl i'IiYnJAc# . Y ] G 4 11!I �JACt Yr. Z Goal Plan/Act Yr� boat Plan/Act fir 4 PIanJAct Yak" Plsir/Act Renters 0- 30 of MFI M M M M M M 31 - 50% of MFI M M M M M M 51 - 80% of MFI M M M M M M Owners 0-30ofMFI H H H H H H 31 - 50 of MFI H H H H H H 51 - 80% of MFI H H H H H H Homeless* Individuals M M M M M M Families M M M M M M Non -Homeless Special Needs Elderly H H H H H H Frail Elderly H H H H H H Severe Mental Illness M M M M M M Ph sical Disabili H H H H H H Developmental Disability L L L L L L Alcohol/Drug Abuse L L L L L L HIV/AIDS M M M M M M Victims of Domestic Violence M M M M M M Total Total Section 215 215 Renter 215 Owner * Homeless individuals and families assisted with transitional and permanent housing Table 2A Priority Housing Activities Priority Need 5-Vr. Vr. 1 Yr. 2 Vr. 3 Vr. 4 Vr. 5 Goal Goal Goal Goal Goal Goal Plan/Act Plan/Act Plan/Act Plan/Act Plan/Act Plan/Act Acquisition of existing rental units L L L L L L Production of new rental units L L L L L L Rehabilitation of existing rental units L L L L L L Rental assistance M M M M M M Acquisition of existing owner units M M M M M M Production of new owner units M M M M M M Rehabilitation of existing owner units H H H H H H Homeownership assistance H H H H H H HOME Acquisition of existing rental units L L L L L L Production of new rental units L L L L L L Rehabilitation of existing rental units L L L L L L Rental assistance M M M M M M Acquisition of existing owner units M M M M M M Production of new owner units M M M M M M Rehabilitation of existing owner units H H H H H H Homeownership assistance H H H H H H Rental assistance NA NA NA NA NA NA Short term rent/mortgage utility payments NA NA NA NA NA NA Facility based housing develo ment NA NA NA NA NA NA Facili based housina operations NA NA NA NA NA NA Su ortive services NA NA NA NA NA NA Other U.S. Department of Housing and Urban Development Table 2B Prioritv Communitv Development Needs OMB Approval No. 2506-0117 (Ex P. 4/30/2011) Priority Need Priority Need Level Unmet Priority Need Dollars to Address Need 5 Yr Goal Plan/Act Annual Goal Plan/Act Percent Goal Completed Ac uisition of Real Property L Disposition L Clearance and Demolition L Clearance of Contaminated Sites L Code Enforcement H Public Facilit (General) M Senior Centers M Handicapped Centers L Homeless Facilities L Youth Centers M Nei hborhood Facilities L Child Care Centers I., Health Facilities L Mental Health Facilities L Parks and/or Recreation Facilities M Parking Facilities L Tree Planting L Fire Station s/E ui ment L Abused/Neglected Children Facilities L Asbestos Removal L Non -Residential Historic Preservation L Other Public Facility Needs Infrastructure General) L Water/Sewer Improvements L Street Improvements L Sidewalks M Solid Waste Disposal improvements L Flood Drainage Improvements L Other Infrastructure Public Services (General) H Senior Services H Handica2ped Services M Legal Services L Youth Services M Child Care Services L Transportation Services M Substance Abuse Services L Em to ment/Trainin Services M Health Services L Lead Hazard Screening L Crime Awareness L Fair Housin& Activities M Tenant Landlord Counseling M Other Services Economic Development (General) H C/I Land Ac uisition/Dis osition L C/I Infrastructure Development M CA Building Ac /Const/Rehab H Other C/I L ED Assistance to For -Profit L ED Technical Assistance L Micro -enter rise Assistance L Other Transition Table 2C Summary of Specific Housing/Community Development Objectives (Table 2A/213 Continuation Sheet) Obj # Specific Objectives Sources of Funds Performance Indicators Expected Number Actual Number Outcome/ Objective* Rental Housing Owner Housing I Home Rehabilitation CDBG, HOME, SHIP PER UNIT 50 Over 5 Years DH1, DH2, DH3, 2 Down Payment Assistance SHIP PER UNIT 10 Over 5 Years DH1, DH2, Community Development Infrastructure Public Facilities I Public Facilities Improvement (Low- Mod Area) CDBG, CITY PER PROJECT 2 over 5 Years SL1 Public Services 1 Public Service Activities/Programs CDBG PER RESIDENT 1,250 over 5 Years SLI Economic Development Neighborhood Revitalization/Other 1 Neighborhood Partnership Program (As funds are available) CITY PER PARTNER- SHIP 20 over 5 Years SL1 *Outcome/Objective Codes Availability/AccessibilityAvailability/Accessibility Affordability Sustainabilit Decent Housing DH-1 131-1-2 DH-3 Suitable Livin Environment SL-1 SL-2 SL-3 Economic Opportunity EO-1 EO-2 EO-3 U.S. Department of Housing and Urban Development Table 2C Summary of Specific Objectives urantee name: l.11 Y Ur IAIV1AKAU9 UL OMB Approval No. 2506-0117 (Exp. 4/30/2011) A' ailabalit /A't6 ssibili oDecent 1ousin ` H-1 Specific Objective Source of Year Performance Expected Actual Percent Funds Indicators Number Number Completed DH 2O10 % 1.1 2011 % 2012 % 2013 % 2014 % MULTI -YEAR GOAL % Affordsbili '"of'Decent'Housin. DH-2 DH Down Payment Assistance SHIP 2010 PER UNIT 2 % 2.1 Subsidy 2011 PER UNIT 2 % 2012 PER UNIT 2 % 2013 PER UNIT 2 % 2014 PER UNIT 2 % MULTI -YEAR GOAL 10 % .', S�stainabi)rt bf'�De��t1t'I~Iousin �11�-,� DH Home Rehabilitation CDBG 2010 PER UNIT 10 % 3.1 Assistance HOME 2011 PER UNIT 10 % SHIP 2012 PER UNIT 10 % 2013 PER UNIT 10 % 2014 PER UNIT 10 % MULTI -YEAR GOAL 50 % 'Ayailabili /Ace sib li `cif Suitable Living Environracnt :(SL-1) SL Public Service Activities CDBG 2010 PER RESIDENT 250 % 1.1 (Seniox's, 2011 PER RESIDENT 250 % Families, Individuals, 2012 PER RESIDENT 250 % Youth) 2013 PER RESIDENT 250 % 2014 PER RESIDENT 250 % MULTI -YEAR GOAL 1,250 % Av 'l4 jblli /Accessibility of Suitable Livio ` 11 1N(in citt;; It.=1 SL Public Facilities CDBG, 2010 PER PROJECT 1 % 1.1 Improvement (Low Mod CITY 2011 PER PROJECT 1 % Areas) 2012 PER PROJECT 1 % 2013 PER PROJECT 1 % 2014 1 PER PROJECT I % MULTI -YEAR GOAL 5, but not % funded each yr. Snsta*tiility of S. Ito le Living lklioronmelt (") SL 2010 3.1 2011 2012 % 2013 % 2014 % MULTI -YEAR GOAL Table 2C Summary of Specific Objectives Grantee Name; CITY OF TAMARAC, FL Avai ability/AgO 16itit of Economic O ortunit 1E' 1 Specific Objective Source of Year Performance Expected Actual Percent Funds Indicators Number Number Cam leted EO 2010 % I 1 2011 % 2012 % 2013 % 2014 MULTI -YEAR GOAL % Afford'ability ofEeoilomic,0 ' ortuait'' EO-2 EO 2010 % 2•1 2011 % 2012 % 2013 % 2014 % MULTI -YEAR GOAL % ostainabiT ;of EcoiioWi ariantt� EO 2010 % 3.1 2011 % 2012 % 2013 % 2014 % MULTI -YEAR GOAL % ?�i+tei Iybor�i�oaii �evitaltxation , N -1 "� "' NR Neighborhood Partnership CITY 2010 Per Partnership 4 % 1.1 Program (When Funded) 2011 Per Partnership 4 % 2012 Per Partnership 4 % 2013 Per Partnership 4 % 2014 Per Partnership 4 % MULTI -YEAR GOAL 20 % [)tber O-1 O 2010 % 1 I 2011 % 2012 % 2013 % 2014 % MULTI -YEAR GOAL % .................. O 2010 % 2.1 2011 % 2012 % 2013 % 2014 % MULTI -YEAR GOAL % Transition Table 3A Summary of Specific Annual Objectives Obj # Specific Objectives Sources of Funds Performance Indicators Expected Number Actual Number Outcome/ Objective* Rental Housing Owner Housing 1 Home Rehabilitation CDBG, HOME, SHIP PER UNIT 10 DHI, DH2, DH3, 2 Down Payment Assistance SHIP PER UNIT 2 DHI, DH2, Community Development Infrastructure Public Facilities I Public Facilities Improvement (Low- Mod Area) CDBG, CITY PER PROJECT I SL1 Public Services 1 Public Service Activities/Programs CDBG PER RESIDENT 250 SLI Economic Development Nei bborhood Revitalization/Other 1 Neighborhood Partnership Program (As funds are available) CITY PER PARTNER- SHIP 4 SL1 *Outcome/Objective Codes Availability/AccessibilityAvailability/Accessibility Affordability Sustainabilit Decent Housing DH-I DH-2 DH-3 Suitable Livin Environment SL-1 SL-2 SL-3 Economic Opportunity EO-1 EO-2 E0-3 U.S. Department of Housing and Urban Development Table 3A Summary of Specific Annual Objectives Grantee Name: 111 Y Vl' IAIV1AKAU, VL OMB Approval No. 2506-0117 (Exp. 4/30/2011) A afilallix ,A : I)eeent flousfii " Iir' Specific Objective Source of Year Performance Expected Actual Percent Funds Indicators Number Number Completed DH 2O10 % 1 1 2011 % 2012 % 2013 % 2014 % MULTI -YEAR GOAL % A`" ord `0 °°lit of`I c,ertt Houslu'011 DH Down Payment Assistance SHIP 2010 PER UNIT 2 % 2.1 Subsidy 2011 PER UNIT 2 % 2012 PER UNIT 2 % 2013 PER UNIT 2 % 2014 PER UNIT 2 % MULTI -YEAR GOAL 10 % staina ility of Decent"'H. 0 In H 3 ' DH Home Rehabilitation CDBG 2010 PER UNIT 10 % 3.1 Assistance HOME 2011 PER UNIT 10 % SHIP 2012 PER UNIT 10 % 2013 PER UNIT 10 % 2014 PER UNIT 10 % MULTI -YEAR GOAL 50 % SL Public Service Activities CDBG 2010 PER RESIDENT 250 % 1.1 (Seniors, 2011 PER RESIDENT 250 % Families, 2012 PER RESIDENT 250 % Individuals, Youth)2013 PER RESIDENT 250 % 2014 PER RESIDENT 250 % MULTI -YEAR GOAL 1,250 % $01400 !A % SL Public Facilities CDBG, 2010 PER PROJECT I 1.1 Improvement (Low Mod CITY 2011 PER PROJECT 1 % Areas) 2012 PER PROJECT 1 % 2013 PER PROJECT 1 % 2014 PER PROJECT 1 % MULTI -YEAR GOAL 5, but not % funded each vr. Table 3A Summary of Specific Objectives Grantee Name: CITY OF TAMARAC, FL Av habit ' /�c ssibili6 Of'Iac0n16116lc Specific Objective Source of Year Performance Expected Actual Percent Funds Indicators Number Number Completed EO 2010 % 1.1 2011 % 2012 % 2013 % 2014 % MULTI -YEAR GOAL % AffirdabiCi of IEeonon#�e-i3U'# E0i2. EO 2010 % 2.1 2011 % 2012 % 2013 % 2014 % MULTI -YEAR GOAL % Susi`; n iw Ctgonoiu e Q bir#t ft 3 EO 2010 % 3.1 2011 % 2012 % 2013 % 2014 % MULTI -YEAR GOAL % Nei hbort�heviil . titan NIt=1 NR Neighborhood Partnership CITY 2010 Per Partnership 4 % 1.1 Program (When Funded) 2011 Per Partnership 4 % 2012 Per Partnership 4 % 2013 Per Partnership 4 % 2014 1 Per Partnership 4 % MULTI -YEAR GOAL 20 % O 2010 % 1.1 2011 % 2012 % 2013 % 2014 % MULTI -YEAR GOAL % O 2010 % 2.1 2011 % 2012 % 2013 % 2014 % MULTI -YEAR GOAL % U.S. Department of Housing and Urban Development OMB Approval No. 2506-0117 (Exp. 4/3012011 ) Table 3B ANNUAL AFFORDABLE HOUSING COMPLETION GOALS Grantee Name: Expected Annual Actual Annual Resources used during the period Number of Units Number of Units Program Year: To Be Completed Completed CDBG HOME ESG HOPWA .BENEFICIARY GOALS-' (see. 215 Only). Homeless households E] El Non -homeless households 8 Special needs households 2 Li Total Sec. 215 Beneficiaries* 10 EJ RENTAL GOALS ,v Ic I kn 11ML Acquisition of existing units El 0 Production of new units El Rehabilitation of existing units El 0 Rental Assistance El El Total See. 215 Affordable Rental El 0 HO ME OWNER GOALS (Sec. 215 Only) Acquisition of existing units E3 Production of new units Rehabilitation of existing units 10 Homebuyer Assistance El Total See. 215 Affordable Owner 10 z 1z ❑ COM)RINED RENtAt. AND OWNE GOALS (S ec Acquisition of existing units Li Li Li Production of new units El n Rehabilitation of existing units 10 Z El Rental Assistance ❑ Homebuyer Assistance El Combined Total Sec. 215 Goals* 10 [a El El 0 HOUSING ERALL V RNG WAW (Sec, 215: othte,Arrotdwe Housin Annual Rental Housing Goal 0 El 0 El El Annual Owner Housing Goal 10 El Total Overall Housing Goal to Z El 0 * The total amounts for "Combined Total Sec. 215 Goals" and "Total Sec. 215 Beneficiary Goals" should be the same number. U.S. Department of Housing and Urban Development OMB Approval No. 2506-0117 (Exp. 4/30/2011) Table 3C Consolidated Plan Listing of Projects Jurisdiction's Name: City of Tamarac, Florida .--. --.._._......._................_....................._...__....... -- --...._.........-._.---�............................................._.._............ FY 2010/2011 CDBG Annual Action Plan Priority Need Low -Moderate Income Affordable Housing and Public Service programs Activity Home Rehabilitation Public Services Full -Time Social Worker Arthritis Meditation/Tai Chi Classes Fit "4 U" Jazzercise Class Counseling Description See Annual Action Plan. Page 71 of the 5-Year Consolidated Plan Objective category: ® Suitable Living Environment ® Decent Housing ❑ Economic Opportunity Outcome category: ® Availability/Accessibility ® Affordability ® Sustainability Location/Target Area: Activities available to low -moderate income households; or those within the low -moderate area. Specific Objective Number HUD Matrix Code Type of Recipient Project ID CDBG Citation CDBG National Objective Start Date (mm/dd/yyyy) Completion Date (mm/dd/yyyy) 10/01/10 09/30/11 Performance Indicator Annual Units Local ID I Units Upon Completion CDBG 452,940.00 ..................... I............ ESG 0.00 ......................................... HOME 140,000.00 ......................................... HOPWA 0.00 ......................................... Total Formula ......................................... Prior Year Funds Assisted Housing ............. PHA Other Funding .......... .......-.---...'.......... Total APPENDIX I Citizen Participation Plan CITIZEN PARTICIPATION PLAN CITY OF TAMARAC, FLORIDA Table of Contents rrr.xra�r—ate: mr. Introduction Information to be Provided Public Hearings Hearing Notice Hearing Location(s) Citizen Comment Amendment to the Consolidated Plan Publication Criteria for Amendment Substantial Change Amendment Performance Report Public Notice Access to Records Technical Assistance Complaints CDBG Citizen Participation Plan 2 2 3 3 4 4 4 4 5 5 5 5 6 6 6 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. The Citizen Participation Plan provides for the implementation of practices that encourage resident participation in the development of the Consolidated Plan, any amendments to the Plan, the Annual Action Plan, and the Consolidated Annual Performance Evaluation Report. The Citizen Participation Plan was prepared with the opportunity for resident comment. 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. CDBG Citizen Participation Plan 2 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, Housing Division, located at 7525 NW 88 Avenue, Tamarac, FL 33321, 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, Community Development Department, Housing Division, located at 7525 NW 88 Avenue, Tamarac, FL 33321 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 one 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. Hearing Notice 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 in advance of the public hearing date. The City will allow for a 30-day public review period for each Annual Action Plan prior to the public hearing date at which the City Commission is scheduled to approve the CDBG Citizen Participation Plan 3 Annual Action Plan. During this 30-day public review period, the Action Plan will be available for review at various locations throughout City Hall to receive citizen comment. All comments will be reflected in the Action Plan. Hearing Location(s) Public hearings will be held at times and locations convenient to potential and actual beneficiaries, and with accommodations for persons with disabilities. Public hearings 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. Citizen Comment 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 Pi ihlirnfinn 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 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. CDBG Citizen Participation Plan 4 Criteria for Amendment The City will amend its approved plan whenever it makes one 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 I To substantially change the purpose, scope, location, or beneficiaries of an activity. Substantial Change Amendment 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 Public Notice The City will submit its Consolidated Annual Performance Evaluation 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 prior to public hearing to receive comments from citizens on the performance report, prior to finalization and submission to HUD. CDBG Citizen Participation Plan 5 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. 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 88th 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 CDBG 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. CDBG Citizen Participation Plan 6 APPENDIX II Community Needs Survey Results Survey Results Tamarac Community Development Community Needs Survey FY 2010/2011 - FY 2014/2015 Consolidated Plan ty Development Block rOnt (e lerd (HUb,),: g regate infbrnmat rrnti fion will be shored. HU,0;(O 6 4, 4. commuInity; levelopme omptete.thgs following. pt tvey. I iasr contact.the CEIBG mini '1 M� iI nt f ' ybu . strato'' Wdvii ar+' 40646 df'fi"d identifiehs, P1606'0*0lc ate fo4lpwrng itBlrt$ Ih tlyd>ar of whiClh you gI is the. rOates need fdir IOVO I mpdsrata lhcnme•residents,af Tamaiati (1� Wfth i being tiie'great">?eisl} If you te+€cl tlrere'sre additiaiay needs far lownrt moderate• Or11@ residents that are not idntifika bataw please jilt them in the camineitts bpx alt the+�ridap tTte survey i number is the count of respondents selecting the option. Bottom % is percent of 1 3 4 5 6 total respondents selecting the option. 2 4 3 3 3 7 lequate supply of affordable housing 9% 18% 14% 14% 14% 32% lequate financial resources of low and moderate -income residents to acquire or 5 4 1 2 4 0. lain in affordable 31% 25% 6% 12% 250/6 0% _.-.._......__.._.- . _ ising and services for underserved groups: including homeless, transitinal housing 2 1 5 4 9 3 nts and people with special needs 8% 4% 21 % 17% 38% 12% ldition or availability of infrastructure: including streets, sewers, sidewalks, shelters, 5 3 4 4 3 7 nmunity centers or other not -governmental buildings 19% 12%0 . 15% 15% 12% 271A _,... 9 7 5 3 2 1 iilability ofjob training and access to employment 33% 26% 19% 11% 7"/° 4% iilability of social service that meed the social, health; recreational, and educational 5 " 8 11' 6 2 3 ids of low and moderate -income residents 14% 23% 31 % 17% 6% 90/( Tn�th tt�uslrig for people wl}h(Sppe11(elrg1'Ita�ory pleasrf saii}ct tha one aI tivlty Which you feel is the lt+7s} ci ucia(to address for lbW apd InRdsrat$nCoriw rpsidenq of 1 amarac 1 ..,.. ..e...... ....._....--.-. w•...,.....,, , Fa•, x,.„.wn w•.!,».w.,....,..�W....-,_.......e......,......wW......,r..a........,-............................L-.,...-........-.-.._.._...3.....w..:W-••+w-,n.• i tameless prevent16 46% n ., W.. .__,-...-___..._... _ _�.�..........__...._.._... .._..... _........_..._.-m._____w. Sue h pportivousin g _ formp Yh sica I and mental handicapped _..._ 11 _ _31% mergeshelters for homeless �mm 2 6% Emergency shelters for persons fleeing domestic abuse 6 17% I rotai 35 100% 1 5. In the Public Facilitles'and Infrastructure, tow/moderate income census tracts Catagary plaase•select the , )no activity.which yod feel is the most crucial, to address for low and moderate inoome,rdsiddrts of Tamarac Streets, sewers, and sidewalks 19 53% construction of shelters, community centers or other non -governmental buddms 17 47% _ ...-..._..... _..__ rota) 36 100% 5: Expend economic dpportunitieaCat�,gig1 pleat)@�+alact the aria activity alrrit you` feel is the tri4t9t,r;ruclal .o address for low and moderate. Income ,residents of Tamarac Job creation. _....__...._...._._._.._.._.._ 17 47% /retention/training for existing businesses W_.-.__........__.....,....._..._..............._.._--._.....___._........................_._._.....�.....-....._._._,, attracting new businesses to locate in Tamarac 11 31% 1 businesses 8 22% 1 4ssistin Tamarac residents start busine..�.__.__Y......._.�._..,...__....___._..___.___._._-_._.._..__.__..._....._...___._._.___._....._...._.__._.__,.___.1 rotas 36 100% I Would you be Willing to particlpati IuGs7 S 9 Please provide Its with any coin mon}s dr additloltai areas tI� n�iaa7 10 Resoonses (See attached) 3 8% 5 14% 36 100% asks, to discuss these • 17 ..... ....... .. _..........,.._..... . ....m.... 49% _..... 35 100% j i ........ ... ....... ...... ....... ..... ............ ... .... ......... » Member login » Send my awn surveys » Quick tour Tamarac Community Development Survey 0 Open Ended Responses http://www.zoomerang.comIShared/SharedResultsOpenEndedResultsPage.aspx?ID=L247... 5/20/2010 ............ ..... ... ............. ..... .... .. ......... ...... ...... .... .... ......... ......... ......... .... ...... N Member login » Send my own surveys » Quick tour Tamarac Community Development Survey � Ig�1+um z� shy pu�cuttt:� ;; Open Ended Responses 30 .33321 o0Online Surveys I Sign Up For FREE I View Our Features t, 7auo Copyright MarketFW5 Inc. All Rights Reserved. Privicy Policy I terms Of Use i Help http://www.zoomerang.com/Shared/SharedResultsOpenEndedResultsPage.aspx?ID=L247... 5/20/2010 >> Member login » Send my own surveys >> Quick tour Tamarac Community Development Survey Open Ended Responses Display 25 ,., j . Per Page Displaying_1 10 of 10 Responses Select Page First Previous (Next ._ ..... 9. Please provide us with any comments or additional areas of need? # Response 1 I would like to have an house in Tamarac, and to participate in this community. Look into the state, county and city programs that Penn has implemented and I think the buy foreclosure incentive program you have is an A+ program. It lowers foreclosures and keeps it from growing. Meanwhile home owners that are able to keep their homes can't sell because the foreclosure prices are much lower than what they owe so we can't sell. The only thing it lacks is preventing the foreclosures to begin with for folks who have lost wages and just need 3-6 months to get back on their feet. A city loan with a low interest bearing plan would help out so many families and move us away from having to move on to low-income rentals which brings down the value of surrounding properties. Why ! ruin Tamarac with low income housing. Make more Senior centers and turnt he 55+ communites into rentals as the elders pass away and the 2 % rate flips to more vacancies allows for all age rentals there is your low income housing. Why build more housing -let's use what we have wisely and bring in more business to maintain all residents of Tamarac. I also think business incentives for Tamarac residents because it makes residents root themselves deeper in their home town, therefore loyality and pride. Why isn't there an incentive bonus for second home buying? A lot of couples would like to upgrade to a bigger home and rent out their first home ... why not allow an incentive? They are creating a business and buying a foreclosure to build up or vise-sersa... buying a foreclosure to rent for lower income residents that can't afford to buy. You are still killing two birds with one stone. Creating reducing foreclosures, providing low income housing and creating loyality. _,......_... , . Rehab ass _ _...... istance with the senior and formerly senior homes in The Mainlands 4 My husband and I love the area in Tamarac where we live.As renters there since 2006 we were victims of foreclosure and moved twice in 3yrs.We wd.like to buy a home, but we live on limited income -We need help because that's where we wd.like to retire. .. 5 time to help struggling homeowers retain their homes and help repair where needed I would like to see more code enforcement i cars t . . _..,, ' n the eastern areas of the city (i.e. cars on lawn, neglected roofs). I know, it's tough with current 6 budget restraints. 7 This survey is poorly designed, does not work correctly 100%, and contains many typographical errors .8 all s.. . ................... .... , eawalls need repair. the home rehabilitation program is a very ..needed program but a lot of money is being wasted, in the wayy it it is handled,and it it causes a lot of stress,what i mean is:contractors biding on your project, i would of liked to picked the contractor i wanted to do my project, even though we had a written contract through the city of tamarac attorneys office, the contractor basically did some things how he wanted, they failed inspection so many times, that comes from hiring inexperience people, and they took 3 times the time specified to finish the job, in working 9 with the city i thought it would a more professional experience, it's like you are between the city and the contractor, the contractor don't care what you say, you complain to the city(person handling the program)you get no where, i was told you should be dealing with the contractor, but you have already talked to the contractor, you get no where, and people that don't have money can't afford a lawyer, it puts you between the two, what should you do, another thing i want to hip you too:contractors bidding low to get the job, and then during something drastic in a persons home to put in for more money, this was told to me from a another person also, thats something to keep your eye own. come in my home and tell me where did over 25,000 dollars went, and my home is still in need of rehabing. I think some of these question have two or three answers but you can only choose one. That should be changed and some one should spell 10 check the survey. I am in agreement with Tamarac's programs for rehab and down payment assistance. These programs are essential to maintaining Tamaracs ability to attract civic minded citizens and remain a desirable city to live in. Display 25 Per Page Displaying 1-10 of 10 Responses Select Page: First I Previous I Next I Last http: //www.zoomerang.comIShared/SharedResultsOpenEndedResultsPage. aspx?ID=L,247... 5/20/2010 APPENDIX ill CHAS Data - 2000 APPENDIX III Priority Housing Needs/Investment Plan Table SOCDS CHAS Data: Housing Problems Output for All Hnneehaids, .urddn �07 p :.:q�' A �' '�°4� t 1&: 6 s..N'a� •. i� .. , :.� i�� Nk: .e �a .. ;r �7 �g X9. "lo witri ttq err}e� ,. Q tI. lq�fg �aa3Sa A� Ei3 p 33 5 3 fy� Q1�4`1.fII� � ..., �� d� PUYb' i tt •_?. 'AP �,... nr��' .7 1.�% 7. 3'�P ,gyp'" f ' 1 " U 0 IS�C#ik�'Il n'�': q','. y .�RWy�^ 4. .� •„" •..A. Definitions: Any housing problems: cost burden greater than 30% of income and/or overcrowding and/or without complete kitchen or plumbing facilities. Other housing problems: overcrowding (1.01 or more persons per room) and/or without complete kitchen or plumbing facilities. Elderly households: 1 or 2 person household, either person 62 years old or older. Renter: Data do not include renters living on boats, RVs or vans. This excludes approximately 25,000 households nationwide. Cost Burden:Cost burden is the fraction of a household's total gross income spent on housing costs. For renters, housing costs include rent paid by the tenant plus utilities. For owners, housing costs include mortgage payment, taxes, insurance, and utilities. Source: � _....; APPENDIX IV CDBG Low -Moderate Area Map td� Som-mr x r 0 a F-k-I 6 �N 0 0 pr to Ml APPENDIX V Analysis of Impediments - Updated ANALYSIS OF IMPEDIMENTS TO FAIR HOUSING CHOICE Updated November 2008 Prepared by: Housing Opportunities Project for Excellence, Inc. ANALYSIS OF IMPEDIMENTS TO FAIR HOUSING CHOICES CITY OF TAMARAC, FLORIDA INTRODUCTION The Federal Fair Housing Act, Section 808(e)(5), requires the Secretary of the U.S. Department of Housing and Urban Development (the Department) to administer the Department's housing and urban development programs in a manner as to affirmatively further fair housing (AFFH). All localities that are direct recipients of Community Development Block Grant (CDBG) funds from the Department are required to conduct an assessment of the barriers to housing choice and to develop a plan for overcoming the impediments identified. Although the grantee's AFFH obligation arises in connection with the receipt of Federal funding, its AFFH obligation is not restricted to the design and operation of HUD -funded programs at the State or local level. The AFFH obligation extends to all housing and housing -related activities in the grantee's jurisdictional area whether publicly or privately funded.' In September 2004, the U. S. Department of Housing and Urban Development (HUD) reissued a memorandum guidance originally issued on February 14, 2000, regarding the requirement that local jurisdictions receiving funding through the Consolidated Plan process should update, where appropriate, its Analysis of Impediments to Fair Housing Choice (Al). The purpose of the memorandum was to remind the jurisdictions, especially at the beginning of a new Consolidated Plan five-year planning cycle, that it is appropriate to update their AI's to reflect the current fair housing situation in their communities. Subsequent AI's are to be completed or updated in accordance with future timeframes for the Consolidated Plan. A summary of the previously conducted Al plus the jurisdiction's accomplishments for the past program year are requisite components of the performance report required by the Consolidated Plan. The Consolidated Plan regulations (24CFR 91) requires a certification by each jurisdiction that it will affirmatively further fair housing (AFFH), which requires Fair Housing Planning. Fair Housing Planning entails: 1) the completion of an Analysis of Impediments to Fair Housing Choice; 2) implementation of action plans to eliminate any identified impediments; and, 3) maintenance of AFFH records, corresponding with implementation of the Consolidated Plan every three to five years. For fair housing that means that the jurisdiction will continue to certify that they will affirmatively further fair housing as a condition of continuing to receive federal funds. Local jurisdictions can meet this obligation by conducting an Al, developing an Action Plan and implementing strategies designed to overcome these barriers based on their history, circumstances, and experiences. In other words, the local jurisdictions should define the problems, develop the solutions and be held accountable for meeting the standards they set for themselves. In September 2004, the U. S. Department of Housing and Urban Development (HUD) reissued a memorandum guidance originally issued on February 14, 2000, regarding the requirement that local jurisdictions receiving funding through the Consolidated Plan process should update, where appropriate, it's Analysis of Impediments to Fair Housing Choice (Al). The purpose of the memorandum was to remind the jurisdictions, especially at the beginning of a new Consolidated Plan five-year planning cycle, that it is appropriate to update their AI's to reflect the current fair housing situation in their communities. Subsequent AI's are to be completed or updated in U.S. Department of Housing and Urban Development, Office of Farr Housing and Equal Opportunity, Fair Housing Planning Guide, Chapter 1, Section 1.2, 1-1 %1 accordance with future timeframes for the Consolidated Plan. A summary of the previously conducted Al plus the jurisdiction's accomplishments for the past program year are requisite components of the performance report required by the Consolidated Plan. On February 9, 2007, a joint memorandum signed by Pamela H. Patenaude, Asst. Secretary for Community Planning and Development and Kim Kendrick, Asst. Secretary for Fair Housing and Equal Opportunity was issued to reminding jurisdictions of the responsibilities and clarifying the use of CDBG funds in supporting fair housing activities to assist recipients in meeting their certifications to AFFH. Who Conducted the Analysis As the CDBG program administrator for the City of Tamarac, FL, Community Redevelopment Associates of Florida, Inc. completed an "Analysis of Impediments to Fair Housing Choices" in the City of Tamarac, Florida in 2004. The City of Tamarac entered into an agreement with Housing Opportunities Project for Excellence, Inc. (HOPE, Inc.), a private fair housing, non- profit corporation, to provided updates to the Analysis completed by Community Redevelopment Associates. HOPE, Inc. dedicated to eliminating housing discrimination and promoting fair housing employing a two -tiered system of Fair Housing (Education & Outreach and Private Enforcement) to achieve its mission to fight housing discrimination in Miami -Dade and Broward Counties and to ensure equal housing opportunities throughout Florida. The agency has completed Analysis of Impediments to Fair Housing Choice as consultants to over 15 local jurisdictions and is the only private fair housing organization in Miami -Dade and Broward counties engaged in testing for fair housing law violations and pursuing the enforcement of meritorious claims. ANALYSIS OF IMPEDIMENTS TO FAIR HOUSING CHOICES CITY OF TAMARAC, FLORIDA Updates are indicated in the following sections: Introduction Identification of Impediments to Fair Housing Choice Race and Ethnic Profile of Tamarac Age and Income Profiles in the City of Tamarac Schools in the City of Tamarac Housing in the City of Tamarac Procedures for Handling Fair Housing Complaints Analysis of Home Mortgage Disclosure Act Data 91 Methodology In the process of conducting this analysis, structured surveys of 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 were conducted. The depth of insights shared by these entities complemented the statistical data collected from public and private sources for this analysis. In review of key impediments identifying those systematic or structural issues which limit the availability for people to take advantage of the full range of fair housing choice which should be available to them in the City of Tamarac, this analysis is a comprehensive evaluation of the barriers that continue to inhibit such choice and offers recommendations considered necessary toward improvements. This analysis recommends specific measures to combat the identifiable barriers to fair housing choice in light of community population increase and demographic changes as well as the limited available affordable housing opportunities. The following impediments identified are also considered in relation to data and previous information gathered regarding specific housing and community facts. In sum, key impediments offer for relevant data to be included demonstrating that specific groups have been affected by limited affordable housing choice and seek to be remedied with heightened affirmative marketing and monitoring practices including outreach and testing projects focused toward both housing providers and community members. Overall, disparities and lack of knowledge of discriminatory housing and lending practices offer a disparate impact within the potential housing market for different groups of community :members and as such require actions to be taken to reach measurable results in order to ensure the City's commitment to .ensure fair housing initiatives and the provision of safe, decent, and affordable housing and neighborhoods for all their residents. 4 IDENTIFICATION OF IMPEDIMENTS TO FAIR HOUSING CHOICE As the CDBG program administrator for the City of Tamarac, FL, Community Redevelopment Associates of Florida, Inc. completed an Analysis of Impediments to Fair Housing Choice for the City of Tamarac, Florida in February of 2004. The study identified some impediments to fair housing choice in Broward County, and initiatives recommended in addressing the impediments. HOPE, Inc. has reviewed the impediments and concludes that the Impediments and recommendations identified by CRA continue to be current and relevant. The following impediments were identified in the 2004 Al: 1. Very limited to inadequate knowledge of fair housing law and its application at the municipal level. 2. Neighborhoods in Broward and Tamarac are starkly segregated by race. 3. There is increasing public prejudice against the poor (Section 8), seniors and the disabled. 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. fi. 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. 8. There is generally a lukewarm support for fair housing laws across Broward County. The following is recommended as the updated/revised list of identified impediments to fair housing choice based on H.O.P.E., Inc's review of the data on the 2004 AI. 1 _ There is limited to inadequate knowledge of fair housing laws and their application by the general public, as well as at the municipal level. 2. Neighborhoods in Broward and Tamarac remain starkly segregated by race. 3. Protected classes of persons, families with children and persons with disabilities, in particular, face exceptional hurdles in finding adequate housing in areas they desire due to non-compliance with fair housing laws. 4_ Disparities exist in mortgage lending between racial groups. 5. There is an indicated need of more support for fair housing laws across Broward County. 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, which is the fastest growing county in Florida, 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. 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 1 shows. r 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 57,317. 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 Chamber of Commerce: 2003 Membership Directory and Resource Guide). 7 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 1 and 2. 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 1: Racial Profile of the City of Tamarac Source: www.broward.or /broward acts) Race and Ethnicity Number % of Total 1. Nonhis anic White alone 39,688 71% 2. Nonhis anic Black or African American alone 5,623 10% 3. Hispanic Persons 8,274 15% 4. Other 2,003 4% 5. Total Population 55,588 100% Table 2: Race and Ethnic of the City of Tamarac (Source: www.broward.or /browardfacts) Race and Ethnicity Number % of Total 1. 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 1 823 1.5% The City of Tamarac has experienced a significant shift in demographics. The city is continually growing younger by the year. The Broward County Urban Planning and Redevelopment Department estimates the City's population to have reached 59,129 in 2006 and to grow to 69,568 by 2030. Since 1990, the average age in Tamarac has dropped over 10 years. The 2000 (Adjusted count) U.S. census reported the city of Tamarac total Population at 55,588. The biannual updates of municipal populations show that Tamarac had a 2003 population of 57,317, Population and race: 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 non -Hispanic White population in the City of Tamarac was, 28,631 (97.5%) in 1980 increased to 40,937 (91.3%) in 1990, decreased to 39,688 (71.4%) in 2000; the non -Hispanic Black population was 100 (0.3%) in 1980 increased to 989 (2.2%) in 1990, increased to 6,331 (11.3%) in 2000. The Hispanic population, 538 (1.8%) in 1980 increased to 2,438 (5.4%) in 1990, increased 8.474 (15.1%) in 2000. .Fair Housing Implications: The growing population and increased cultural diversity indicates the need for culturally competent fair housing education & outreach services. The change in the average age in the 00, indicates the need for education regarding fair housing laws and the treatment of_ inzilies with children as well as the appropriate application of the Housing for 01det Persons provisions of the. fair housing laws. 8 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 53.4 years, while per capita income was $25,969 and median and average household incomes were $40,341 and $52,579, respectively. The age structure of the city is shown in Table 3. The table shows that over half of the city's population (59% for 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 4 and 5. 26 Table 4: Demographic and Income Statistics of Tamarac, 2003 Mae Fair Housing Irnplications: The significant presence of persons tinder the cage of l8 indicates the need for education regarding the specific protections for children with families under the fair housing laws, specificalll, as it pertains to occrrpanct, restrictions and terms & conditions of housing. 10 SCHOOLS IN THE CITY OF TAMARAC As a city which 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 9 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 2 and 3. Fair Housing Implications: The transition from a majority adult/.senior community implicates the need for education regarding the appropriate application of the .Housing for Older Persons provisions gf'the fair housing laws. Table 9: The Racial Profile of Tamarac and Challenger Elementary Schools Tamarac Elementary Challen er 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 Hispanic 219 19% 406 34% 560 40% White non Hispanic 469 42% 387 32% 433 31% Multiracial 46 4% 53 4% 19 1% Hispanic 377 32% 311 26% 1367 26% Total 1178 100% 1193 100% 141b 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. 11 Figure 2. Cultural Diversity Profile of Broward County Students,1996 According to the 2000 Census, 410,387 people, or 25% 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 3 shows. 12 Figure 3. Region of Birth (Foreign Born) ■ Europe ■Asia Africa 11 Oceania ■ Latin America B N. America EMPLOYMENT IN THE CITY OF TAMAR.AC 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 Chamber of Commerce: 2003 Membership Directory and Resource Guide (p.1)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 6 lists the major employers, along with their numbers of employees. Table 6: Tamarac's Major Employers # of Em to ees 1. 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 160 8. Albertson's Supermarkets 110 9. Zephyrhills 100 10. Walgreens 87 11. Sonny's Enterprise $7 12. Culligan 70 13. Graphline 60 14. Sun Belt Interplex, Inc. 50 14 TRANSPORTATION IN THE CITY OF TAMA RAC 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 7 shows the number of vehicles per owner- and renter -occupied household. enter Occupied Table 7 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 36% 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 8 shows the commute time to work for the residents of the City of Tamarac, ages 16 and over, who did work outside their homes. 15 Table 8: Travel Time to Work for Workers 16 Years and Over Who Did Not Work at Home 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. 16 HOUSING IN THE CITY OF TA_MARAC 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 of Occupancy 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 responsible for patrolling the city and insuring compliance with the city code. The 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 10. 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. 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. 17 Table 10. Affordable Housing Programs and Strategies for Municipalities in Florida Purchase CDBG SHIP (Via Office of Housing Community - Mortgage Assistance Office of Finance (OHF Reinvestment Act (CRA) - Down -payment Housing Bonds) '77 via grants and lines Assistance Finance of credit to providers - Closing Costs (nonprofit) Land Acquisition CDBG SHIP - Community CRA '77 via Redevelopme development loans to nt Act (CRA)/ providers Tax Increment Financing (TIF) - OHF Bonds Housing CDBG SHIP OHF Bonds CRA '77 via personal Rehabilitation/Repairs loans Site Preparation and CDBG SHIP CRA/TIF 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 (vary by locality) 18 As a result of the efforts of the city to promote housing, especially homeownership, 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 1.1. "fable 11: Housing Statistics in the City of Tamarac A Median Housing Value in Ci $115,385 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 percentage of AMI c30% 30-50% 50-80% 80-120% >120% Median Income of Income Group $12,102 $20,171 $32,273 $48,409 $48,409 1. # of Households in Income Group 2,110 2,297 1,944 3,852 7,209 2. Qualified House Price 2.5 x income) $30,256 $50,426 $80,682 $121,023 $121,023 3, Qualified Rent (:�30% of Monthly Income) $303 $504 $807 $1,210 $1,210 Owner -Occupied Housing 4. 5. Existing Housing units in # 2 # of Household in # 1 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 # I who rent 38 803 231 780 812 1,127 156 1,208 251 1,693 Owner- and Renter -Occupied Housin Gaps 8. 9. Owned Housing Gap # 4 - # 5 Renter Housink 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 I 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 10. 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 12 shows. Housing values are also generally affordable for the bulk of the working households. Table 13 shows housing values in the City of Tamarac. 19 20 Cost Burden, General: Cost -burdened" households pay more than 30% of income for rent or mortgage costs. In 2005, 9,006 Tamarac households (31%) pay more than 30% of income for housing. By comparison, 28% of households statewide are cost -burdened. 3,674 households in Tamarac (13%) pay more than 50% of income for housing. Households by Cost Burden, Tamarac, 2005 Broward County also estimates the overall population to grow more rapidly than dwelling unit grow, as nearly all the vacant residential lots in the county have been developed. For Tamarac, the population is expected to increase by eighteen per cent between 2006 and 2030, however, dwelling units are only expected to increase by 7% during that same time period of time. Fair Housing Implications: Limited availability of affordable housing allows landlords and owners to be more selective when renting and selling, opening the door to discriminators, housing practices. Publicly fiinded or subsidized housing opportunities must be affirmatively marketed to ensure availability to residents cif all communities. 21 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 12-member Affordable Housing Advisory Committee. Still on AFFH, the City Commission's seriousness in AFFH was demonstrated by the adoption of Resolution No. R-200-139 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 1I). 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. Figure 4: City o ` amarae - Commission Districts Krt aX�e.. 400: kubrtbax io. wlratwe r8 skit: ,t �� ' �; RSWRiciRNt � carrafNNiw�ws Mtb �.'Yilibirnn � � il4tCsiat � Qgwt,iwirjao�c 'lip Np�kMuoox s W AiOwlok i via* AgOr x6ghq ftba"N 1P ►A 1 r]rd« y r { • Y i y k k 4 i 71 r. • 1Faffp"t tqa: ". Y� ♦�t:h �trM4 22 FAIR HOUSING PROFILE The Federal Fair Housing Act' was passed in 1968, and significantly amended in 1988. The Fair Housing Act prohibits discrimination on the basis of race, color, national origin, religion, sex, familial status, and disability. The U.S. Department of Housing and Urban Development, Office of Fair Housing and Equal Opportunity is charged with enforcing the Federal Fair Housing Act. The Florida Fair Housing Actz was passed by the Florida Legislature in 1983, and was amended in 1989. Florida's fair housing law is substantially equivalent to the Federal Fair Housing Act. The Florida Commission on Human Relations (FCHR) is responsible for enforcing the Florida Fair Housing Act and is a HUD -funded Fair Housing Assistance Program (FHAP) agency. As such, FCHR receives financial assistance from HUD for complaint processing, administrative costs, special enforcement efforts, training and other projects designed to enhance the agency's administration and enforcement of the Florida Fair Housing Act. Chapter 16% of the Broward County Code of Ordinances prohibits certain discriminatory practices with respect to employment, housing, and public accommodations. Broward County's local fair housing law is also substantially equivalent to the Federal Fair Housing Act. Discrimination continues to become more subtle and difficult to detect, but no less pervasive or destructive to our communities. According to the National Fair Housing Alliance, more than 3.7 million fair housing violations are committed solely against African Americans and Latinos every year. Millions more are committed against persons with disabilities, families with children, and other protected classes under the law. Public awareness is critical. HUD reported estimates that only one percent of fair housing violations are ever reported. In February 2006, HUD released the results of a follow-up survey, "Do We Know More Now?" to its 2000/1 "How Much Do We Know" survey. The survey identified persons who believed they had experienced some form of discrimination in their efforts to buy or rent a house or apartment. Four out of five (80%) admitted to not having done anything in response to the perceived discrimination. Many presumed that doing so would not have been worth it or would not have helped; some were unaware of how or where to complain; and others believed that the time or cost would be too much, were too busy, or feared retaliation. The majority of those who did respond to the perceived discrimination complained to the party they believed to be discriminating against them or to someone else. In April 2007, HUD reported receipt of 10,328 housing discrimination complaints by government agencies, the highest number ever filed in a single year. HUD's Fiscal Year 2006 report, which details HUD's enforcement efforts during the year, also found that race and disability top the list of reasons why individuals filed complaints. 1 Title VIII of the Civil Rights Act of 1968, 42USC3601 2 State of Florida, Civil Rights Statutes, Title XLIX, Chapter760.2 3 Broward County Code of Ordinances, Chapter 16'/1 23 For the second year in a row, race and disability were virtually tied as the most common bases of housing discrimination reported to HUD and state and local government agencies funded through its Fair Housing Assistance Program (FHAP). Of the more than 10,000 complaints filed, 40 percent alleged racial discrimination while nearly the same percentage alleged discrimination against persons with disabilities. Complainants, according to the report, most often alleged discrimination in the terms and conditions of the sale or rental of housing, or refusal to rent. Fair Housing Implications: Thera is u nationally recognized need.for on -going education and outreach efforts directed tit the general public to make people aware oftheir rights under fair housing laws. 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. 1. 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. 2. 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 14-16. 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 14-16, 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 16, H.O.P.E., Inc., is 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 2001 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". 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 publishes all information in English, Spanish and sometimes in Haitian Creole, which are main languages spoken in most South Florida households. 24 4. The City Commission adopted Resolution No. R-200-139 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 11). 25 Table 14: Housing Discrimination Complaints received by Broward County Civil Rights Division from Broward CountyResidents 1998 - 2002 Entitlement Jurisdiction Race Color National Ori in Religion Sex Familial Status Disability Other Total Ft. Lauderdale 2 1 3 1 3 4 15 Pompano Beach 1 2 3 Deerfield Beach 5 1 6 Lauderhill 2 1 2 5 Davie 1 I Margate 22 2 4 Coral Springs 1 1 2 Plantation 2 2 Tamarac 2 1 3 Miramar I Sunrise Pembroke Pines I 1 1 1 4 Holl ood 1 2 1 4 Broward County 4 2 1 3 5 15 TOTAL 13 5 5 1 1 19 21 64 Table 15: Housing Discrimination Complaints received by US Department of HUD from Broward Countv Residents 1998 - 2002 Entitlement Jurisdiction Race Color National Ori in Religion Se x Familial Status Disability ther Total Ft. Lauderdale 5 1 6 3 2 9 7 34 Pompano Beach 4 1 2 1 2 2 5 17 Deerfield Beach 0 0 0 1 0 0 2 [no 3 Lauderhill 10 0 1 0 0 1 1 14 Davie 0 0 2 0 0 1 2 5 Margate 1 0 0 0 0 3 1 5 Coral Springs 2 0 0 0 0 1 2 5 Plantation 1 0 0 0 0 0 1 2 Tamarac 3 0 1 1 0 1 4 1 0 10 Miramar 3 0 0 0 1 0 0 0 4 Sunrise 3 0 0 0 1 3 5 0 12 Pembroke Pines 3 0 0 0 0 0 3 0 6 Hollywood 5 1 5 4 0 3 6 0 24 Broward County 31 3 2 1 7 10 35 0 89 TOTAL 7 L__j 6 19 10 1 14 37 71 2 230 Table 16: Housing Discrimination Complaints Received by H.O.P.E., Inc. from Broward County Residents 1998 - 2002 Entitlement Jurisdiction Race Color National Ori in Religion Sex Familial Status Disability Other Total Ft. Lauderdale 11 3 2 15 4 35 Pompano Beach 20 1 1 2 3 27 Deerfield Beach 6 3 6 15 Lauderhill 24 5 5 34 Davie 3 2 1 4 9 Margate 2 2 1 5 Coral Springs 1 1 3 5 Plantation 2 1 3 Tamarac 2 1 1 2 6 Miramar 3 1 1 1 6 Sunrise 10 2 1 13 Pembroke Pines 5 1 1 2 6 15 Hollywood 1 15 9 9 9 3 45 Broward County 25 4 7 15 10 61 TOTAL 127 1 29 25 71 26 279 The following are fair housing complaints received by HOPE, Inc. from 2003-2007. Seventy- nine percent of the complaints received during that period were on the basis of disability. Tamarac - Broward County 'ram r•r . r i ^^^� nn r air Complaints /-u�u.J zUV nHousing 2 2 5 2 11 3 3 .. Aa pr x w ' 1r " '4 <-'g6N t "k; *� ,,w 2 5 5 2 14 Fair Housing Implication: Housing providers need training regarding compliance with fair housing laws in providing reasonable accommodations and modifications allowing persons with disabilities the opportunity to use and enjoy their dwelling units and common areas of the properties where they reside. 27 ANALYSIS OF HOME MORTGAGE DISCLOSURE ACT DATA At the request of HOPE, Inc., the National Community Reinvestment Coalition (NCRC) conducted a portfolio and market share analysis using 2005 Home Mortgage Disclosure Act (HMDA) data with the following specifications for Tamarac, FL: all single family (ASF) lending, loans to owner -occupants, and first lien loans only. All single-family loans include loans for home purchase, home improvement, and refinances. For the portfolio share analysis, NCRC evaluated the market -rate and high -cost lending performances by race of borrower (white, African -American, Hispanic or Asian); income level of borrower (low- and moderate -income, or LMI, and middle- and upper -income, MUI); income level of census tract (LMI neighborhoods or MUI neighborhoods); and minority level of census tract (substantially minority or substantially white census tracts). Lending patterns were then compared to the demographics of the metropolitan area to illustrate potential lending disparities. In the market share analysis, NCRC compared the portion of high -cost loans made to a particular borrower group to all loans (market -rate loans plus high -cost loans) made to that same borrower group. The disparity ratio illustrates how much more often lenders made high -cost loans to one borrower group compared to another borrower group. Market -rate loans are loans made at prevailing interest rates to borrowers with good credit histories. High -cost loans, in contrast, are loans with rates higher than prevailing rates made to borrowers with credit -blemishes. The higher rates compensate lenders for the added risks of lending to borrowers with credit blemishes. While responsible high -cost lending serves credit needs, public policy concerns arise when certain groups in the population received a disproportionate amount of high -cost loans. When high -cost lending crowds out market -rate lending in traditionally underserved communities, price discrimination, and other predatory and deceptive practices become more likely as residents face fewer product choices. Portfolio Share Analysis of ASF Lending in Tamarac, FL African -Americans received a disproportionately high percentage of high -cost loans. In Tamarac, African -Americans received 37.51% of all ASF high -cost loans but only 19.34% of market rate loans during 2005. According to the 2000 census, African -Americans represented 10.76% of households (see Table la. and Chart la.). Consequently, African -American borrowers received a higher percent of high -cost loans than their share of the population. African -Americans also received a greater percentage of market -rate loans than their share of households, but the percentage point difference was smaller for market -rate lending than high - cost lending. In contrast, whites received a smaller percentage of high -cost loans than their share of households. White borrowers also received a higher proportion of market -rate loans than their household share of the population (76.28% of market -rate loans v. 75.07% of households). Hispanic borrowers received a higher percent of high -cost loans than their share of Tamarac's households. Hispanics also received a higher percent of market -rate loans (23.7%) than their 28 share of households (10.59%), but the percentage point difference was smaller for market -rate lending than high -cost lending. Hispanic borrowers represent 10.51% of households though they received 28.71% of high -cost loans. Low- and moderate -income (LMI) borrowers received a disproportionately low portion of loans. LMI borrowers received 30.00% of market -rate ASF loans during 2005 although LMI borrowers account for 48.88% of households in Tamarac. Middle- and upper -income (MUI) borrowers received 70.00% of market -rate ASF loans and represent 51.12% of households (see Table 2a., Chart 2a., and Chart 2d.) The percentage of high -cost loans is considerably higher than the percentage of owner -occupied housing units in minority census tracts. Lenders made 9.07% of their market -rate ASF loans in substantially minority census tracts while 10.69% of Tamarac's owner occupied housing units are located in minority census tracts. Lenders originated almost 13.49% of their high -cost ASF loans in minority tracts. Comparatively, lenders made 90.93% and 86.51% of their market -rate and high -cost loans, respectively, in substantially white census tracts, while 89.31% of housing units were located in substantially white tracts (see Table 4a.). Approximately 57.29% of market -rate ASF loans went to LMI census tracts, while 58.96% of high -cost loans went to LMI tracts. In Tamarac, 59.88% of owner -occupied housing units were located in LMI census tracts. Comparatively, 42.71 % of all market -rate ASF loans and 41.04% of high -cost ASF loans went to MUI census tracts while 40.12% of owner -occupied housing units were located in MUI census tracts (see Table 5a.). Attached in Table 3 is an analysis of lending patterns to females and males. Market Share Analysis of ASF Home Lending in Tamarac, FL African -American borrowers were more likely to receive high -cost loans than white borrowers. Roughly 51.59% of all ASF loans to African -American borrowers were high -cost while only 30.13% of all ASF loans to white borrowers were high -cost. As a result, African -American borrowers were 1.71 times more likely than white borrowers to receive a high -cost loan (51.59% of loans for African -American borrowers that were high -cost divided by 30.13% of loans for white borrowers that were high -cost) (see Table lb. and Chart lb.). In Tamarac, residents of minority census tracts were more likely to receive high -cost loans than residents of white tracts. High -cost loans were issued in substantially minority census tracts 1.31. times more frequently than substantially white census tracts. (See Table 4b) Denial Rate Analysis of ASF Home Lending in Tamarac, FL African -American and Hispanic applicants were more likely to be denied loans than white applicants. Almost 22.81 % of all African -American loan applications were denied, and 18.91 % of all the Hispanic loan applications were denied. Consequently, African -Americans were 1.33 times more likely to be denied than whites, and Hispanics were 1.10 times more likely to be denied for a loan (see Table I c. and Chart 1 c.). 29 LMI consumers' loan applications were more likely to be denied than MUI consumers' loan applications. LMI consumer's denial rate was 23.88%, while MUI consumers' was 18.99%. The denial frequency for LMI consumers was 1.26 times higher than MUI consumers (see Table 2c. and Chart 2c.). The implications of this data with regards to Fair Housing demonstrate a need for education and information regarding fair lending and predatory lending practices. Also, please see maps that capture lending trends by census tracts. 30 Disposition Summary 2005 Peer Mortgage Data (USPR) Active Filter Property Type is One to Four -Family and (Occupancy is Owner Occupied) and (Lien Status is First lien) and (Transition Status is Not Transition Application) Area is Tamarac FL Borrower Characteristics Race American Indian / Alaska Native 55 16 5 14 18 2 13 3 4.63 3.96 Asian 170 95 19 30 21 5 74 21 4.88 4.69 Black or African American 2,144 1,132 154 499 297 72 548 584 4.84 4.87 Native Hawaiian / Other Pacific Islander 43 19 4 11 8 1 10 9 4.78 4.91 White 5,356 3,093 435 920 675 233 2,161 932 4.78 4.63 2 or More Minority Races 9 7 0 0 1 1 5 2 5.29 5.29 Joint(White/Minority Rare) 47 28 2 9 7 1 22 6 5.46 5.42 Race Not Available 1,677 549 111 420 394 203 342 207 4.82 4.82 Ethnicity Hispanic orLabno 1,988 1,124 154 376 263 71 671 453 4.76 4.69 Not Hispanic or Latina 5,802 3,232 457 1,096 782 235 2,119 1,113 4.80 4.74 Joint (Hasp or Lat)Not Hlsp or tat) 108 59 4 28 11 6 47 12 4.78 3.00 Ethnicity Not available 1,603 524 115 393 365 206 338 186 4.96 4.99 Minority Status White Non -Hispanic 3,359 1,969 276 547 411 156 1,477 492 4.76 4.53 Others, Including Hispanic 4,462 2,423 334 936 612 157 1,359 1,064 4.81 4.77 income Low - < 50% MSWMD Median 716 264 56 226 120 50 202 62 4.78 4.68 Moderate - 50-79,99% MSWMD Median 2,152 1,046 172 459 334 141 660 386 4.82 4.82 Middle - 80.119.99 % MSA MD Median 3,325 1,834 252 650 438 151 1,092 742 4.80 4.76 Upper -120% or More MSWMD Median 2,605 1,433 187 476 352 157 919 514 4.88 4.75 Income Not Available 703 362 63 82 177 19 302 60 4.21 3.75 Gentler Male 3,398 1,733 243 700 518 204 1,079 114 4.81 4.71 Female 3,683 2,018 286 711 503 165 1,228 790 4.79 4.77 Joint (Male/Female) 1,840 998 140 330 247 125 728 270 4.73 4.64 Gender Not Available 580 190 61 152 1S3 24 140 50 4.92 4.95 Census Tract Characteristics Racial / Ethnic Composition a 10 % Minority 0 0 0 0 0 0 0 0 0.00 0.00 10.19% Minority 1,152 630 111 179 166 66 467 163 4.74 4.56 20-49% Minority 7,209 3,783 533 1,447 1,065 381 2,420 1,363 4.80 4.73 50-79% Minority 1,140 526 86 267 190 71 288 238 4.89 4.93 80.100% Minority 0 0 0 0 0 0 0 0 0.00 0.00 Income characteristics Low -< 50% MSA(MD Median 0 0 0 0 0 0 0 0 0.00 0.00 Moderate - 50.79,99% MSA/MD Median 5,477 2,859 432 1,081 819 286 1,819 1,1140 4.80 4.71 Middle - 80-119.99% MSWMD Median 3,630 1,865 267 739 547 212 1,204 661 4.82 470 Upper - 12091* or More MSWMD Median 394 215 31 73 55 20 152 63 4.73 4.38 Income Not Available 0 0 0 0 0 0 0 0 0,00 0.00 Total Applications 1 9,5011 4 939 730 1,893 1,4211 5181 3,1751 1,7641 4.811 4.74 Footnotes A. IwU UI ClUlt I•ll Ity ILdL Al, led a uIli" µy IdLt wLtyulltb arum ut Iepul Leu A. JU111L Lc trvrnW vnnunty rLnLe): outll App"IIL of lu WAppltollL must ue Iepul Lau dnu u1e IUUbL uo Will- ul.y, dIIU ult "I lei 111- uC d I`In ILM ILy, ul eta lei Uluel J. JUIIIL edIll ILy: ouUl AppIILallt d[IU L.t PPHL41M IIIUSL W ICpU1LM d11U Ulle IIUSL ue Mpd1116 UI WLII 1U, dIIU Ule L1Llle( IIIUSL UC IVUL mi,,4mnit, ur WUIIU, III elllltl Uluel . JUIIIL L l IUeC Wul Appel -IL dill.] µr PPIIWIIL IIIUSL Ue IepU = dllU Ulle IIIUSL Ue Milldle dIIU U le Wier IIIUst Ue Mole, III eluler UruCr 3. IULa1 I•ulunLy: Wl llpWILC Ul IRNI-willte ROLL ILL- dllu nlSpdulL Ur -t il-I annuLy; n 11- UULI1 WrluIUUI IN, It Will Ulnuw y Lle LlLet, ulLe u. -aprcdu: wily LU14`ucFb urNinoutu IUdIIS; Nut r.eµnteu Iepleserlu W= bpreou vduc-n ; rtepuil reel cserlu Lill- wlul Idle spledu dh d Tulle- vdrue. • _w apt CCu: Ln ny LullblUCrb vly111dLCU IWII.; ."iI vdIUG Ieplge - dveld9V rdLC wpICCU vdl= lul del r Ulus Ynul d repel Lau rPU1PCPl Lc >prr�u vd rue. v D. t•d1.0 ]pf GfU: Vllly LW ISNCIs UIIytllaLeu Iufm; 1 vdrue rCprCSCnL1 UIC InupLNl ll UI rdw Spledu vow 1pr oil rmwtiD wlul d ICWrLLA1 rdLC Spltldu VCILIC. v. vrny lmuluS vlet wyeu.1tcly i I1 L Lile eel if 11-11 Iu� 11 Len ell urc IeW L will uc nn.ILwLv. LI yuul udld LLn 111h vdnulty eUUIb, yuu IIIdly Ilol u II lLuay III I-Villy wuuuwn. ® pCi Corporation CRA Wiz, Tel: 800-262-3111. Page 1 of 1 NOTI_S "Total" refers to total of ail races, which includes races in addition to the four Included in this analysis. Thus, the number In "total' may not necessarily equal the sum of "White," 'Black or African American," "Hispanic or Latino," and "Asian." This note holds true for both the lending analysis and number of households. Chart la. 100.0% 90.0% 80.0% 70.0% 60.0% 50.0% 40.0% 30.0% 20.0% 10.0% 0.0% Chart 1b. Percent of loans Compared to Percent of Households by Face White Black or African Hispanic or Latina Asian American ©%Households ■Prime ■Subprime Subprime Market Share of Loans by Race 100.00% 90.00% 80.00% as 70.00% 60.00% 50.00% 40.00% 2 30.00% 20.00% 10.00% 0.00% White Black or African Hispanic or Latino Asian American 1.8 1.6 1.4 1.2 4. 1,012 0.8 0.6 H 8 0.4 0.2 M Disparity Ratio is subprime market share of loans to a racial group divided by Subprime A Disparity Ratio subprime market share of loans to whites Chart 1c. 100.00% 90.00% 80.00% 70.00% m 60.00% 50.00% d 40.00% 0 30.00% 20.00% 10.00% 0.00% Denial Rates and Disparity Ratios by Race 1.33 A 1.10 1.00 A 1.03 1.4 MM 0.2 ae White Black or African Hispanic or Latino Asian American Disparity Ratio is denial rate for loans to a racial group divided by denial rate for loans to whites ■ Rate Disparity Ratio NOTES "total" refers to total loans to all persons, including those applications with "income not available" reported. Thus, 'total' may be a slightly larger number than the sum of "Low," "Middle," "Moderate," and "Upper." These four categories form a mutually exclusive group; likewise, "LMI" and "MUI" firm a mutually exclusive group independent of "Low," "Middle," "Moderate,' and Upper." In the case of "Low,' "Moderate," "Middle," and "Upper," the Index for this ratio (that is, the denominator of the ratio) Is "Upper." In the case of "LMI" and "MUI," the index is "MUL" Chart 2a. Percent of Loans Compared to Percent of Households by Income Level LMI compared to MUI 100.0% 90.0% 80.0% 70.0% 60.0% 50.0% 40.0% 30.0% 20.0% 10.0% 0.0% Chart 2b. 100.00% 90.00% 80.00% 70.00% 60.00% a 50.00% Y 40.00% 30.00% 20.00% 10.00% 0.00% Low (<50% MSA Income) Moderate (50-79.99% MSA Income) O%Households ■Prime OSubprime Subprime Market Share of Loans by Income Level LMI compared to MUI & 1.00 1.0 1.0 1.0 1.0 0,912 20 0.9 ro 0.9 w Q 0.9 0.9 0.8 0.8 Low (r50% MSA Income) Moderate (50-79.99% MSA Income) Disparity Ratio is subprime market share of loans to LMI borrowers divided by subprime market share of loans to MUI borrowers ■Subprime A Disparity Ratio Chart 2c. 100,00% 90,00% 80.00% 70.00% 60.00% 50.00% Q 40.00% 30.00% F•I11111YA. W11111117217 Denial Rates and Disparity Ratios by Income Level LMI compared to MUI A 1.26 1.4 1.2 1.00 1.0 0 0.8 0.6 M N_ 0.4 [11Pa 0.00% i _- _ _.. + i 0.0 Low (r50% MSA Income) Moderate (50-79.99% MSA Income) Disparity Ratio is denial rate for loans to an income group divided by denial rate for loans to Upper or MUI �w Rate A Disparity Ratio Chart 2d. 100.0% 90.0% 80.0% 70.0% 60.0% 50.0% 40.0% 30.0% 20.0% 10.0% 0.0% Percent of Loans Compared to Percent of Households by Income Level Low (a50% Moderate (50- Middle (80- Upper (120% or LMI (G79.99% MUI (780% MSA Income) 79.99% MSA 119.99% MSA More MSA MSA Income) MSA Income) Income) Income) Income) C]%Households ■Prime ©Subprime Chart 2e. Subprime Market Share of Loans by Income Level 100.00% 90.00% 80.00% 70.00% m 60.00% t r 50.00% m 40.00% a 30.00% 20.00% 10.00% 0.00% Low (<50% Moderate Middle (80- Upper (120% LMI MUI (>80% MSA Income) (50-79.99% 119.99% or More MSA (c79.99% MSA Income) MSA Income) MSA Income) Income) MSA Income) Disparity Ratio is Subprime market share of loans to an income group ■Subprime A Disparity Ratio divided by subprime market share of loans to Upper or MUI Chart 2f. 100.00% 90.00% 80.00% 70.00% 60.00% 50.00% m 40.00% A 30.00% 20.00% 10.00% 0.00% 1.13 1.03 1.00 1.00 0.89 0.65 Denial Rates and Disparity Ratios by Income Level 1.73 1.17 1.26 1.07 1.00 AL 1.00 1.2 1.0 0.8 C r 0.6 e� a 0.4 a 0.2 0.0 2.0 1.8 1.6 1.4 O 1.2 Q 1.0 0.8 c. fA 0.60 0.4 0.2 0.0 Low (<50% Moderate Middle (80- Upper (120% LMI MUI (>80% MSA Income) (50-79.99% 119.99% or More MSA (a79.99% MSA Income) MSA Income) MSA Income) Income) MSA Income) Disparity Ratio is denial rate for loans to an income group divided by denial rate ■ Rate ♦ Disparity Ratio for loans to Upper or MUI NOTES NOTES 1 "Total" refers to total loans to persons in census tracts. In rare cases, census tract information is unknown on an application; thus, "total" may contain a small sum of records in addition to "0-49% minority" and "50-100% minority." NOTES In the case of "Low," "Moderate," "Middle," and "Upper," the index for this ratio (that is, the denominator of the ratio) is "Upper." In the case of "LMI" and "MUI," the index is "MUI:' 'Total" refers to total loans to all persons, including those applications with "income not available" reported. Thus, "total" may be a slightly larger number than the sum of "Low," "Middle," "Moderate," and "Upper" census tracts. These four categories form a mutually exclusive group; likewise, "LMI" and "MUI" form a mutually exclusive group independent of "Low;' "Middle," "Moderate," and Upper." ".It ww w c c E f% LL Go a PA IN E O O J w E 0 r nrr LM Ln 0 0 A. N J U. V L. m E H V i U) ul V 4- 0 J 0 O i LL INNER V u a d E N � CONCLUSION The analysis in this study was conducted using the combination of data collected from official documents available, showing that the City of Tamarac, like all municipalities in Broward County, due to increases and changes in population demographics along with limited affordable housing opportunities, is recommended a considered necessary elevation of 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. The assessment revealed the need to increase outreach and education opportunities for those desiring housing as well as housing providers, about their rights, roles and responsibilities, the need to design measurable factors to define discrimination, and to establish confidential and competent complaint channels. The evaluation also demonstrates the need to intensify the city's current community outreach efforts to disseminate information on the Fair Hosing Act and the City's commitment to affirmatively further fair housing, particularly towards families with children and compliance in providing reasonable accommodations and modifications allowing persons with disabilities the opportunity to use and enjoy their dwelling units and common areas of the properties where they reside. The review also revealed the need to 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 that may be interested in annually reviewing Home Mortgage Disclosure Act Data supplied to the Federal Financial Institution Examination Council with regard to local lending patterns, along with implementing a testing project designed to identify and rectify discriminatory housing and lending practices. Finally, the need to work hand -in -hand with the formation of a committee to address and reinforce support for fair housing laws across Broward County was also revealed as significant for the development of affirmative marketing and monitoring programs that can ensure availability to residents of all communities. 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. IMPEDIMENTS TO FAIR HOUSING CHOICE IN TAMARAC AND PLAN OF ACTION TO ACHIEVE FAIR HOUSING GOALS Identified Impediments Fair Housing Action/Agreement Measurable Results Activities re uired Limited to inadequate Provide information Provide training Monitor number of knowledge of fair and education on fair contracting professional completed workshops to housing laws and their housing laws and their services with a Fair general public and at application by the application to the Housing Agency for on- municipal levels. general public as well general public, site training. as at the municipal housing providers and level. I at municipal levels. Neighborhoods in Implement testing Contract with local fair Identification of Broward and Tamarac project designed to housing agency for discriminatory practices, remain starkly identify and rectify professional services. increase in the number of segregated by race. discriminatory complaints, and action housing practices. taken to address findings. Protected classes of Provide education, Contract with local fair Monitor number of persons, families with outreach, and housing agency for completed workshops to children and persons counseling to professional services. general public and with disabilities face community residents, housing providers. hurdles in finding housing providers, adequate housing in are and persons of low they desire due to non- income, families with compliance with fair children and/or having housing laws. disabilities Disparities exist in Implement testing Contract with local fair Identification of mortgage lending project designed to housing agency for discriminatory practices, between racial groups. identify and rectify professional services increase in the number of discriminatory lending complaints, and action practices and taken to address findings predatory lendin . Indicated need for Form a committee to Select appropriate staff Formation of committee increased support for address and reinforce and community members and implementation of fair housing laws across support for fair and representatives from recommendations. Broward County. housing laws and professional organizations affirmative marketing to serve on committee. across Broward Coun .