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99-359�RIGINAL Presented Referred To Couunittee Date 1 BE TT RESOLVED, that it is the intent of the City Council that the threshold for enforcement of 2 the City's "Little Davis-Bacon" policy be raised to $50,000, and be it 3 FURT'I�R RESOLVED, that STAR Program guidelines be changed to reflect this intent. Requested by Departrnent of: � Form Approved by City Attorney � �� , �� l� � RESOLUTION SAINT PAUL, MINNESOTA co,�,�a r�e # `�� - 3 s� Green Sheet # � � � � � Date t� �(` � ! c�. ��`1� FAi �ur�, Certified by Council Secretary BY: . � —_� c Approved by Mayo . Date Approved by Mayor for Submission to Council � � �C3e�-by Council: GREEN SHEET Councilmember Mike Harris 6-8630 Rounxc TOTAL # OF SIGNATURE PAGES A resolution showing the intent of the City Council that the threshold for enforcement of the City's "Little Davis-Bacon" policy be raised to $50,000 and that the STAR Progam guidelines also be changed to reflect this intent. PLANNING CAMMISSION CIB COMMITTEE CIVIL SERVECE COMMISSION mui�rowrctae ❑ an�TronrEr ❑ u�vvctirtK ❑p+wnn�.amvcrsoo� ❑nu�ru�taonnKCro ❑wl'ottldews�uill ❑ (CLIP ALL LOCATIONS FOR SIGNATURE) Has this persorJfrm ever vrorked under a contiact for Nis department? ves nio Hes tira P�Nfirm ever been a city empbyee7 YES NO Does fhis Da��Trm Do�� a sldll not normallYP� bY a�Y cuneM city emDWyee YES NO Is Nis Qe`snNfirtn atarp�etl veMoY7 YES NO ��i - 3 No 62334 MXhV�s a,rcau�ri ny_��9czyvtl.7 OF TRANSACTION S COET/REVENUE BUDGEfED (CIRCLE ONEi VES NO SOURCE ACTIYRY KUM8E0. INFORMATION (IXPWN) �19- 3 Sq HOUSING CODE ENFORCEMENT/CHROIVIC PROBLEM PROPERTIES q$ POLICY SESSION OVERVIEW INFORMATION �� Problem Property Definition: � Disrupts or threatens the people, health and safety of the conamunity; or � Consritutes a nuisance or an eyesore and is dilapidated or deteriorated; or � Creates an attractive nuisance which is an abode for crimuial activity; or � Is not maintained adequately and does not conform to uiinimum health and housing laws. A chronic problem property displays any of these chazacterisrics on a regulaz, or repeated, basis. Factors contributing to the occurrence of chronic problem properties: Social Issues: ♦ chemical dependence, and alcoholism ♦ poor pazenting slfllls ♦ decline of family structure ♦ despair/depression ♦ poveriy/ lack of living wage jobs ♦ concentration of race and income groups geographically ♦ aging-in-place population ♦ behavioral issues; lack ofrespect for others Prevention and Property Maintenance Issues: ♦ lack of financial resources to do necessary repairs ♦ incompetence of owner-occupant, landlord/management, or tenant ♦ poor housekeeping skills ♦ poor or no tenant screening ♦ lack of individual responsibility ♦ overcrowding Neighborhood Dynamics Issues: ♦ increasing sophisrication of both tenants and landlords at "beating the system" ♦ changing urban population and expectations ♦ intexplay of housing conditions and property values ♦ affect of one problem property on a nearby "borderline" properiy ♦ age and condition of housing stock generally ♦ absentee landlords ♦ lack of affordable housing Crime and Violence Issues: ♦ violence ♦ drug activity ♦ domestic abuse ♦ owner loss of control to gangs, and illegal activities ♦ vandalism _! 9�1-35y Departments and Divisions Involved with Code Enforcement: Citizens' Services Of�ice - Division of Property Code Enforcement: Enforces city code related to all one and two-family dwellings and all exterior properties city- wide. Fire Prevenrion Division of the Fire Department: Enforces minimum housing and health requirements, and fire code requirements on ali commercial properry, and residential buildings which are three units or larger. Police Department, FORCE (Focusing Our Resources on Community Empowerment) Unit: Organizes and works with block clubs, neighborhood groups and the Patrol Division to identify concems about crime prevention and public safety issues and wozk together to develop strategies for long-term solutions. Department of Plannittg and Economic Development - PED informs owners or landlords of available financial resources that could assist them in improving their property. If there is financing assistance provided landlord training andior home ownership maintenance training may be required. PED also works with neighborhoods to identify problem properties and involve code enforcement, address vacant shuctures or to build new homes on vacant lots to preserve and increase housing stock and remove blight in the neighborhood, and tazget areas for revitalization through a nuxnber of activities such as financial assistance. Ramsey County Housing Court - Housing Court referees hear three types of cases: 1. Conciliation court cases (generally tenanUlandlord disputes; 2. Evictions through the unlawful detainer process; 3. Housing code violation cases. Housing code violations are prosecuted by the City Attorney. City of Saint Paul Housing Information Office - The City of Saint Paul Housing Information Office is a central contact point for housing information, education, counseling and advocacy. The Office monitors housing information and resources in the Saint Paul area and makes the information available to individuals, elected officials and neighborhood groups. q9-3�9 Legislation Governing Certificate of Occupancy and Pnblic Health Inspections Saint Paul legislafive Code chapters: 18. 19. 29: 33: 34: 35: 39: 42: 43: 45: 60-67 105: 113: 163: 189: 198: 290; 292: 334: 357: Board of Appeals and Review Powers of inspectors to Enforce Provisions of Code Unlawful Use of City Properry Building code and Inspection Minunum Housing Standards for Dwellings and Multiple Dwellings (Housing Code) Rental Disclose Posting Smoke Detectors Filling of Cesspools and Sepric Tanks Vacant Buildings Nuisance Abatement Zoning Code Care and Maintenance of Boulevard Snow and Ice on Sidewalks Abandoned Vehicles Truth in Sale of Housing Keeping of Animals Use of Deception to Enter Residence Offenses Directed to Religious Beliefs and Racial Origins (Graffiri) Pest Control Solid Waste Minnesota State Legislation and Regulations: Uniform Building Code Uniform Plumbing Code Uniform Mechanical Code Uniform Fire Code Nafional Electric Code Minnesota State Energy Code Asbestos Hazard and Emergency Response Act ��) Dangerous and Nuisance Buildings State Energy Code Minnesota Pollution Control Agency (MPCA) Regulations Enforcement Options • Owner Watuing • Correction Notice • Summary Abatement - work orders aze issued far a code violation. The owner must clean up or fix the problem, otherwise the city will send a crew to determine if the code violation was abated, and if not to remedy the problem. The owner is then assessed charges for the clean-up or conection. • Citations • Condemnarion 9�-3�s 9 Outcomes • Property brought into compliance • Ramsey County Housing Court • Revocation of Certificate of Occupancy • Registered Vacant Buildings • Case Managing/Ongoing Monitoring Prevention Tools • Rental Taac Equity Programs • Houses to Homes Program • This Old House • Housing Information Office - Educational Programs • Comxnunity Stabilizataon Project • Neighborhood Sweeps q9- 3�9 PED/HRA INFORMATION FOR POLICY SESSION ON HOUSING CODE ENFORCEMENT AND CHRONIC PROBLEM PROPERTIES CONTENTS I. GENERAL OVERVIEW OF HOUSING ISSUES II. CITYWIDE REHAB PROGRAMS III. CITYWIDE MORTGAGE PROGRAMS/HOME BUYER ASSISTANCE PROGRAMS IV. RENTAL REHAB LOAN PROGRAMS V. CAPTTAL CITY BEVELOPMENT PROGRAM City Council Policy Session Apri121,1999 / � ` ; �y 359 -- v�' � N v < � O '� t�D � � N� .N � N N� � �D N z tD C4� a O -i �' O O S2. O � tfl O � � �D � - � � � � � � �- � �� •�+, � � ._. N � tD N � � c� �, � � � O � � r� e /�� d` ` C� 0 � � _ � � � N� N � �/� V� � � � � �V � , 99 ��sq HOIISING ISSIIES THAT �F'FECT CODE ENFORCII�NT/CffiiONZC PROBLEM PHOPERTIES Not Just A Housing Issue? General Overall issues * Poveriy * Living wage To support housinglfamily �` Education * Jobs * Insu�cient resoarces for public subsidies * Federal, L.ocal, State mandates * Iack of contractor participation * Need for continued neighborhood investment (continuin� cycle) � Neighborhood Issues � Safety/Crime Mazginal/In transition neighborhoods Public unprovements inirastructure inadequate Capaciry of Ioca2 developers/contractors ivegaiive reporting on nei�hborhoods/perception Competition with suburban neitthborhoods Homeosmer Issnes � AffordabiIity/Informed buyers Financial problems Homebuyer trainin; Buyers unable co visuatize potential of house Buyer unable io packa�e purchase/zehab Foreclosure preveation � COSt ISSU£S - Minor rehab vs. substantial rehab - Neiahborhood revitatization vs. neighborhood sta�nation - Repl2cement oi ]zad water line - Lead base paint and asbestos _ - tio� enoegh contractors - Af::_-::z_i�e .Ac�;o.^. nznerwozk ier co-?:zctc. - Ta.a°ced �'endor paper,�orVproc�ss '- cent, zetors - Historic & architectural signi ficant properties House Issues Uncooperativ e/unav ailabte property owners Tide issuesllegal/ownership Cost issues/subsidy of cost over value Restrictiors on existin� public resources b4arketing competition with suburbs/hu}�er has choices Overali mzrket saturation oi housing Land use coaflic. 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G � �c �� N a Z O � � � � w `^ o `� t�i o' '" �� i � H 'Z x �. n � w O rt A C A C G 69 � 7' � � O' O .� � O r�n [D ry O .o YJ o v�i � l> O �D W S� �� ., o o ,» m o rn � m a� n. O f+ o '^ �� "' � � ?' � o' N N '� v�i o Q' O O C. O O � A `G P. p� 5 � .t f^D [Y O " a h-q �� a � o w °i y � ° o � � ° � �. C H H � � � �� y�a z �c w � � N �' o�� y o � o� � � �I � +y l�� N ��.�{ �1 � "d � � � � �y- �.59 Family Housing Fund Home Buyer Assistance Loans CLOSING COST LOANS (CCL) Maximum Loan Amount is $3,000. CCLs cover the buyer's cash closing costs. CCLs bear zero in[erest. EQUITY PARTICIPATION LOANS (EPL) Maximum Loan Amount is $10,000 or 10% of purchase price, whichever is less. Minimum Loan Amount is $3,000. * Reliabilitation is encouraged. EPL's used with Purchase/Rehab and Refinance/Rehab have a maximum loan amount of $15,000 or 20% of the after rehab value. EPLs help buyers qualify for a mortgage by reducing the size of the mortgage to an amount they can afford. EPLs bear an interest rate of 3% per annum simple interest. REHAB PARTICIPATION LOANS (RPL) Maximum Loan Amount is $7,500. RPLs are used with Refinance/Rehab and Purchase/Rehab mortgage loan programs. These ]oans are used to cover the gap between the after-rehab appraised value and the cost of rehab. The RPL bears zero interest. 10% of the RPL is forgiven each year the owner remains in the home. Terms and Eligibility Home Ownership Counseling: Required on all loans except Refinance/Rehab. Call Home Ownership Center at 651/659-933G for information. Eligible Households: Owner-occupied households which are either families with chiidren or participate in a"special program" adminis[ered by the Saint Paul Home Loan Fund: Houses to Homes: Dis[ressed Projects • Vacant Housing Program Refinance/Rehab and Purchase/Rehab • Replacement Single Family New Construction PHA Home Program (Public Housing Agency) • 1-4 Unit Home Ownership Conversion lncome Limits: �50,880 adjus[ed $1,000 per household member. Eligible Properties: One ro four unit residences within Saint Paul city limits. Maximum of $112,500. Basic Terms: Family Housing Fund Loans are secured by a nonrecourse note and mortgage and are subordinate to the tirst mortgage. There are no monthly payments. Loans are due and payable upon sale ot the home. transfer oi the tide to the home. when the first mongage is paid in full o* when the borrower no ionger occuoies tne homz For infornrntion call the Sain[ Paul Home Loan Fund at GSI/266-6511 and ask �or a Mortgage Loan Officer. 3/31/99 ' � 9q-�� See it, buy it, f� it, love it. The New 1998 Middle Income Program Income Limit: $121,600 Buy a new home or REFINANCE & FIX-UP y011T CUTl�lll IlOIIl� witl� very low interest loans froin the Saint Paul Hoine Loan I� uiid. 0 G.25 % 6. 5 2 %�PR*x 30 year term, one point Qualified Uuyers: • Straight purchase • Purchase/rehab loans: $5000 minimum rehab required. • Refinance/rel�ab loans: Minimum rehab required. Minimum rehab equals E�urchase price plus cosf of previous improvements, it any, dividec( by Un�ec n�inus worlc completed in the 18 monUis prior to closing. • One to four units in Saint Paul city limits eligible. Maximum purchase price: $267,520 Low cost inspections offered to help you determiue your home improvement needs. Call the Saint Paul Home Loan Fund. 2G6-6G2G Your purchase, refinance, rehaU experts. "Annual Percenlage Rate 6ased on uninsw�ed conventional mortgage of $G0,000 in 3G0 equal Installments o( $3G9.44 plus tax and insurancc. Maximum mor�gage limits and down payment mquirements a�e subjec.t �o PI IA, VA, and PNMA/�HLMC rcquirements. Adjustment facrors aUowed (or 2, 3, and 4 unrt dwcllm�s. � 9 9P 3�s q Closing Cost Assistance Loans Maximum Loan Amount is 2% of first mortgage to be used for closing costs and downpayment. Closing Cost Assistance Loans bear zero interest. Terms and Eligibility Home Ownership Counseling: Required for all first time Home Buyers. Eligible Households: Must be participating in City of Saint Paul Phase XI Program at G.25% (G.43% Income Limits: $72,9G0 for 1& 2 person households $55,120 for 3 or more person households Eligible Properties: One to four unit residences within Saint Paul city limits. Maximum purchase price: $137,577 for existing homes, $1G4,092 for new construction BasicTerms: Closing Cost Loans are secured by a nonrecourse note and mortgage and are subordinate to the first mortgage. There are no monthly payments. Loans are due and payable upon sale of the home, transfer of the title to the home, when the first mortgage is paid in full or when the borrower no longer occupies the home. For information call the Saint Paul Home Loan Fund at 651/266-6626 and asl: tor a Mortgage Loan Oiticer. 4/9199 See it, buy it, fix it, love it. ��-�5� Whether buying a PIRST, S�COND, or TI home— tliis progl�am's for YOU! o4p �� ►��°sS Buy � new home or DOn' p e�aY R�PINANCE & PIX-UP yOUI' Clll'1'�IIt �1011](' W�� very lo� interest loans from the Saint Paul IIomc Loan l�und. 6.25 ° o 6 . � /O ni�i: � �° 30 ycar tcrm, zcro points NeW •N�g ��ts ln°�� Qualificd buycrs: • Straighl pwchase • Purchasc/reliab ]oans: �5000 minimum rchai� irquirec(. • Refinancc/rchab loans: Minimum rchab rcquired. Minimum rehab equals purch��se price plus cost of previous improvctnents, if any, dividcd by three. Maxinunn houscl�old incomc: $72,960 for 1& 2 ��ason houscholds $85,120 for 3 or inorc ��crson houscholds Maxiu�um purchasc pricc: • Gxisling residencc: $137,577 Ne4y • New construction: $16�},092 P �rch a H�gher • Onc (o four uni(s iti 5 �,;��c l��t,l �<< ��„�, ��;�;��. t��„ "�� Low cost inspcctions of(crcd to help you detcnninc your hon�c improvemcnt nccds. Closing wst a'ssistancc loans ,zv��il,iblc. Czll the Saint Paul Home Loan Fund. 651 266-6626 Your purchase, refinance, reliab experls. "Anuual Prrccnla�;c Italc bascd on uninsiucd cunvenlional mmlgagc of $GO,ppp u� j(,p cqual inslalimenls o( $3l15.9ti plus lax and insurancc. Maximwn moi1ga�;c limils anJ Jown paymi�nl rcquiicmcnls aic subjccl lo I'ilA, \�A, and I�NIvIA/I'iILM11C rcquiicmcnls. AdjusUncni faaors allowed (or 2, 3, and 4 unil d�vcllings. 9 r-35 y Welcome Home to Citr�LivinQ! Do you want to buy or renova�e a home in Saint Paul or Minueapolis? Then take a look at CifyLiving Home Programs, because you may well qualify for a below-market-rate mortgage loan. VJhether you're buying an effisfing home, building new or renovating an older home, you'll find more home choices in Saint Paul and Minneapolis. To support your desire to live in the city, CityLiving offers purchase, purchase/rehabilitation and refinance/rehabilitation loans. Qualified home buyers can even combine their mortgage loan with G�iyLiving Special Assistance Loans. Generai Program Information • You must live in the home. • Property must be one to four units in Saint Paul or Minneapolis city limits. • We provide pre-qualifications for the fee of the credit report. • Income and purchase price limits apply. • Free Home Buyer counseling available. Refinance/rehab and Purchase/rehab Loans Information • You can refinance your mortgage or contract for deed and make major repairs and inprovements. • Property must be at least 20 years old. • Minimum rehab requirements apply. • All work must be completed by a licensed contractor. CiiyLiving Special Assistance Loans for Closing Costs and Affordability Assistance • Income and purchase price limits apply. • Easy repayment terms. �>- y � :1►= �►,' , 1 i �� £=- 1 ��1 home programs For infornatior:, ca11(612) 673-5288 in Minneapolis or (651) 266-6626 in SaintPaul. C:njLia�ing s?ccsore� oy ��.-?zc! J=_�ar�en*. a Planning & Economic Develonmea_ (PED) and �e �Sxnea�oLs Co�_r:-r Deveionm=_a: 9gennr (MCD _', q9-��sg Rental Rehabilitation Loan Program The Rental Rehabilitation Loan Program serves as an effective financing tool providing a variety of opportunities for qualified owners of multi-family structures to rehabilitate their properties. The loan financing can be structure at a flexible interest rate and term to meet the financial needs of the project. These funds assist the owners in upgradin� and improving their rental units which can include health and safety deficiencies and other improvement to meet housin� code standards or to obtain a current Certificate of Occupancy. In addition, energy, security and handicapped improvements are also an eligible, all while maintainin� these units at affordable rents to low and moderate income occupants. There aze three funding sources for the Rental Rehabilitation Loan Program. CDBG CDBG Rental Rehabilitation funds can be used on rental properties usin� the following HUD approved guideline. These guidelines have also been approved by the St. Paul HRA. The maYimum funds allowed per project is $10,000/unit not to esceed $250,00/project. CDBG funds cannot exceed 100% of the Rehabilitation cots and cannot exceed �0% of the total development costs. H[ID & CDBG funds together cannot exceed 100% of the rehabilitation costs. The current balance is $740.800. HUD HliD Rentai Rehabilitation funds can be used on rental properties usina the followin� guideline. The maximum funds allowed per project depends on the breakdown of type of unit. HUD allow�s 5�,000/unit for efficiencies, 56,�00/unit for one bedroom unit, �7,�00/unit for two bedroom units, and �8,500/unit for4 three or more bedroom units. HUD funds cannot exceed 50% ofthe rehabilitation costs. HUD & CDBG funds together cannot exceed 100% of the rehabilitation costs. This Fund is no lonQer beino funded b}� HliD. The fund balance indicated belo�v is from program income. The pro�ram income dollazs still need to be distributed accordina to the original proQram ouidelines. The current balance is $114,643.00 MHFA �IHFA funds are at a 6% interest rate proaram. The masimum Yunds a1lo�ced under this prosram are S?�.00 :o: a sinale famil� structurz or S10.00O-unit c�ith a maximum oi 5100.000,%multi-� :3:i1.'� �^uCiii'�. T;1Z Ci:� O: J�I1i P3:� L125 RO ull�Ci CO�T_01 0: -'1: �IH'_-� illi135 ! RZ CII�" 0? �a.n? °au! can rzquest n:nds ?:om �SHr.� on a project b� project oas.s. �,IHF_a ;,as final detennination if ihe project «iil be timdee usmg thi� pro�ram iiundinE source. DEPART.bIENT OF PLAPlNZVG .t � &ECONO.LtlC�E�6LOPMENT Qn �� Briam Sueeney, Dmector � � crrY oF sa�rrr PavL, Narm Co[eman, Mayor .Narch J. 1999 Telephone: 61Z-266-66?6 Facsim ile: 672-228-33? I 2� West Fourth Streer Saint P¢u{ .bNS�lOZ Capital City Development Program New Construction or Rehabilitation Houses to Homes There are approximately 68,500 single family houses in the City of Saint Paul. About 430 of these houses are vacant and over �0 houses are demolished each year. Just one vacant house or lot in a neighborhood can cause bli�ht and lead to the perception of instability, affectin� the property values of a(1 other homes in the surrounding neighborhood. This proaram was developed to assist in either constructing new homes on vacant lots or rehabilitatin� vacant houses to provide for your personal residence. How the program can work for you: An individual or family interested in rehabilitating a vacant house and/or building on a vacar,t lot, which propem� would be used and occupied as your personal residence can apply for a eranUdeferrzd loan to cover the difference bernzen the purchase price plus the rehabilitation cost and the afrer-rehab market value of the home. For example, consider a house meetins program criteria �vhich can be purchased for 53�.000 and rehabilitated at a cost of 560.000 for a total development cost of 59�,000. The afrer-rehab market value established by an appraisal is S70,00Q In this case, the HRA/Cin ��ould provide a 52�.000 orant to cover the difference. This would be the same type of example if you �vere buildino a nen house�lefs sa} the lot sells for �1 �.000, new construction of a three-bedroom sinole family home is 5110.000, and the as-built appraisal reflects a price ofS100,000. A�ain in this case, the HRA/City would providz up to �2�,000 in financine assistance. Other available financial assistance: In addition to this financins assistance, the City can provide a purchase/rehab mortgage or end loan morteage for purchase of a ne�r home to be built at low interest rates to qualified borro�cers to finance the purchase and rehabilitation of a house up to its after-rehab andlor as-is buil[ market ralue. Do�vn pa}ment srants, closing cost loans and equity participation loans are available to low and moderate income home buvers. It would be advantaseous for �ou to submit a loan application and set pre-approval, which �vill tell you ho��' much you may be able to secure in a first morteaQe and also identify' an} issues that may prohibited }ou from securina a first mortQase. It wi(I be necessary to secure a first mortsage in order to bz considered to participate i� this proaram� (Information is znclosed on other programs) Technical assistance: Once �ou ha�z z siened �urcha>z zsreem:n: on eithz; z lot or house. the Cin °ED «iIl .�orK �, i'h �-ee *.o nzlp wn :'etzr*n!r,e «ha, nezds ?o �z in.ludec i�: �o!�� pians for rena'oiii�anor: ar.d or nen :er.st*ucL;on 9G-�s � Nonprofit Housing Development: Many of Saint Paul's neighborhood nonprofit developers have been purchasing and rehabilitating vacant houses and building new homes for resale to qualified buyers upon completion. If you simply want to purchase a home, perhaps one of these houses wil] suit your needs. City mortgages are also available for straight purchases. For further information on the Program, please call Sheri Pemberton-Hoiby at 651-266- 6615. See attachments PED SYS'_ SFURED PE.�ERTO H?H GEt tVFOLET K"PD 9i-��s� Houses to Homes-Vacant House Assistance Program Guirlelines Overview Pur o e � Program is desi�ned to support neighborhood revitalization by addressin� vacant buildings. Allow for thz purchase, rehabilitation and/or demolition of vacant houses. Provide financin� and technical assistance to participants. Ob}ectives " to better coordinate and focus City actions throu�h Code Enforcement, rehabilitation and demolition to address vacant buildin�s/houses. ` to contribute to revitalization and stabilization of neighborhoods. " to increase homeownership oppormnities. ' to save existing housing stock, where feasible. ` to recapture and improve the City's tax base. ` to encouraee public/private/ community partnership centered around homeownership and other neishborhood revitalization efforts. EliQibilit�� Criteria Participants: For-profit, nonprofit, individuals and families. Prooercies: - properties must be de�ached sinale family or duplex. To�vnhouse/condominiums ineliaible. Tripl�x to fourplzx ma� bz elieible if being converted to sinale family or duplex. - properties must be vacan�. - properties must have characteristics contributing to neiehborhood blight and require moderace to substancial rehab. - propzrties must mzet certain assessment criteria set down by HRA (attached). Homebuyer: - HRA identified ttvo fundina sources to allow the sreatest flexibility for marketin�. In Qeneral maximum allowabie income for households buying ranges between 80% to 110` median income (563,600). - must occupy the propem� as their residence for a period of ten years. EliQibie De�elopment Costs -�couisi?ion purhase price (justified b� aopraisall unless owned b� HR�.. plus title costs ar.� closina cos�s. Renabil,�a�ior. con.truction co��raa amoun�_ — cortiasenc� r_ot w exceed S�� per aross squa-� �__ '?.`_ iJJ."_ �O.TiD�1..,� :� .....!u�:.� cil _.__li.^...... _._2 2::� _ D25.'L?12PT SCl�I'l). ��?:: C�=:� �2"��iP= CO:`.��CZS2i� Cl0�lII4 CO�u. LIli2rLIP i1RaR.;� 2nD�in�. ::1dI�:EL1II? ao more tnae -� ot sale pnce�. desi_a. de��eiooer i�e ��5.000 single ram�'.�•. �10.00Geuolexi 9�^�5 y Rehabilitation Standards The extent of rehabilitation should go beyond minimum code requirements. Program intent is to support a level of rehab which makes property safe, attractive and marketable. Particular attention to structural and mechanical deficiencies which limit marketability and place hardship on new homebuyers. Improvemen[s which enhance marketability and strezt appeal need careful consideration to keep property viable now and in fumre. ` City Code Inspection write-up is required. " Mee[ minimum FHA/VA property standards to allow for end loan financing. " Exterior improvements are extremely visible component of neighborhood revitalization. " Major improvements such as floor plan redesi�ns will only be considered in converting properties do« n in size or removin� conditions that severely limit marketability of property. "` Ener�y improvements should be considered in rehab where cost effective. " Properties desianated by State Historic Preservation Office need to address the Secretary of Interior's Standards of rehab for historic buildines. " Rehab includes repair or replace as needed of existin� conditions. ReQulatorc Requirements � Leack base painL abatemenc. Federal, Scate and local reeulations apply. " Asbestos removal. Scace requirement. " Replacemen[ of Lead ti` Line Service. City ��later Department requiremen�. " Egress window;. Bedroom �vindocv for existinQ buildinas that are not replaced are Qenerall�� allowed to remain (City buildinQ code decision). Windows that need replacemenc must meec liniform Buildina Code. State requirement. Financing Assistance The maximum assistance provided is represen�ed by the difference between the total development cos� r::n�r the afrer rehab appraised marke[ value up to a maximum of 53�,000 for a single family and $50,000 ior .: duplex or cenverions of a duplex do��n to a singie famil}. Guideline ��'ai�er Statement ��.ai�zr of masimum iinar.cing assis�anee mac be requested from HRA in ek�raordinary circumstan:c Su�n c;rcumstances ma� irciude ne�d for special his[orical o: archi�ec�ural [rea�ment or a demonstrz:e. -_ �Lr�p��' . �-.42=.'> �4? C-:J c_r q 4- �3v � Replacement Single Family New Construction Program Gui�lelines Overview Pur s Program is designed to support nzighborhood revitalization by addressin� vacant lots. Allow for the purchase, development of single family housing and subsequent resale for homeownership. Provide financin and technical assistance to participants. 'ecfives " to better coordinate and focus City actions to help reduce the number of vacant infill lots as a result of demolition and years of disinvestment. " to contribute to revitalization and stabilization of neighborhoods. " to develop new housin� opportunities. '` increase homeownership opportunities. " to recapture and improve the City's tax base. " to encoura�e publiclprivate/ community partnership centered around homeownership and other neighborhood revitalization efforts. Eliaibilitv Criteria Participants: For-profit, nonprofit. individuals and families. Properties: - vacanc lots zoned for single family use. - no more than 2 lots in any block face b5 an� one encirv in any Qiven calendar year. - loc must bz ac leas� �0 feet in width. Lo�s 40-49 feet may be developed if new homz is pre-sold or construction financina secured. Exceptions to this policy may be considered �: HRA on a case-b�-case basis. - properties whzn complete must be owner-occupied sinale family homes. Homebuyer: - HRA identifizd t�co fundin� sources to ailo�� the greatest flexibility for marketing. In Qeneral maximum allowable income for households buyin� ranQes between 80�c to ll0` ��: median income (S63.600). - must occup} the property as their residence for a period of ten years. Elib ble Development Costs Acquisition: purchase price ljustified b} appraisall unless owned by HRA. plus ritlz costs ar.c closin� cos[_ Cons�ruction: constructior. contract amount + continge�cy' not to exceed S70 per gross squ2re :__ isqnare ioo:z�e computed [o iaclude 21! iinished 2rea zn� � ba;ement sq�i�). J _" � 0:'_ _._ ' " _'�_ "-�2!� CiO�lII= `='"' "_" ".. ..:i� �YA'"_" T3InBtiP.c �..� I.^.J:� C..�.. � JI 521� DI;.'��. ��-L`. u�'�2LJ��C T�� o.lJ�� SIRa12I3II111t q� �� y Construction Criteria Design Standards: See Exhibit A attached. Construction Standards: - must contain 3 or more bedrooms. - must adhere to St. Paul buildin� Code and all State and Federal codes. - must meet FHA/VA property standards for financin�. Regulatory Requirements: - E�ress windows required in basement. Required by State Uniform Buildin? Code. FinancinQ Assistance The maximum assistance provided is represented by the difference between the total development cost minus the after as-builc appraised market value up to a maximum of 540,000 for all single family homes. Guideline Waiver Statement A waiver of maxunum financina assistance may be requested from Hr2A in extraordinary circumstance= Such circumstances mai' include need for special historical or architectural treatment or a demonstrare� pun; purpose for expenditures bey ond the desiQnated maxunum amount. : �:s.a.es� s-�= ce� a=_ SECTION 3: CONSTRUCTION STANDARDS 99-��s � 3.1 Design Standards A. Orientation: Houses should be oriented to the primary street to which the plat is oriented in orderto encourage physical and visualinteraction between private and public areas to promote securiry and neighborhood relations. B. Alianmenc: Howzs should bz alianed alonQ major streei sz[back linzs so as to achie��e a visual rh��thm and definiiion of the strezc m a mannzr similar ro other urban residzntial neiahborhooes. �b'here thzrz are existinQ adjacen[ houses, new infill should align with the setbacks already� esczblished. _,. I YES, BUILT UP TO EXISTING I _,�;.�� % ISETBACK � � _ I � jNO, �� i __, -- �TOO FAR FROM; -- 'EX15714G _''- •SET3ACf e PP. MARY ST.�� PR MARY STREET G 9-3�9 C. cce : Where alleys are adjacent to infill si[es, they should be used for vehicular access to garages, driveways, parking pads, and services. ST REET Where no allz} is available for cehicular access. curb cu[s and driveways from the main s[rzzt should bz as small and unob[rusn e as possible D. Landsca i�no The landscapz p12n should ennancz the buildme dzsian and add ]onQ �erm value co che p,ojecc. lise of a licenszd Landscap: Archicecc or Architecc in desion oi [he landscape plan is encourzozd. Safen and � isioilitt' around tnz si[e should be oalanced with azs[hztic and environmen[zl concems such zs shadirs, pro�eaior: irom ecm[er winds and shading. Hedaes should'oz used to dziine public and prnace areas of [hz front and side yards � � � i . —�, . -e..�=_ �' _ 9g- ��s 9 E. Fencino: Fencing made of strong, durable wood or decorative black metal fencing is encouraged as an integral project element, in order to prevent later introduction of unsightly and possibly fra�ile fences by the homeowner. Fencing should complement the architectural feafutes of the project and permit visibility. Possible Meta] Fencina Possible Wood Fencina F. Entries: Entries should be clearly articulated and orientzd toward the primary streei and sidewalk. _ Porches. o�erhanes. znd s[oops should'oe used [o shelczr en�ries from the elements anc [o p;o� ide a transi[ion bearezn in[erio- and exterie*. G Por1e� Pzco;. Te�ra:,e� a�� Cmerec En�ries Tne<_e elenen�s snoutd be used � `_,.�.. r = - __. _�._.._:_r. �__._ �..._... a :c ..z��..:, �e,,._;a oubLc ar!c ; YES YES NO, No porch or covered entry �y 3�sy H. Directional Emphasis: Narrow lots should contain buildings with a more vertical expression. Houses should be oriented to take advantage of views, solar gain, natural breezes, and efficient lot use, while protecting from winter winds and obtrusive exterior noise. • - Scale and Massino: New construction should emulate the scale and massing of housin� throughout the surroundin� neighborhood. Roof pitch and style should respect similar types in the surrounding area and bz consistent with the architzctural style of the new house. Exterior Materials: Materials used on exterior of new houses should respect the character or surrounding buildings and should be durable to add lastin� value to homeowners. Stucco, brick, and solid wood lap sidin� are encouraged. Heavy gau�e aluminum or vinyl siding are allowed unless prohibited by Historic or Desi�n District guidelines (see paragraph P below). Other materials will only be allowed after review and approval by PED desi�n staff. K. Fenestration: �Vindows and doors shouid be in keeping with the architectural style of the new house, and should rzspec[che surrounding contex[ofchz nzighborhood. \Vindows should be incorpora�ed in�o the facades to al1o�� for ��m�er solar gain and summer namral orzzzes. Blanl:. s�erile facades should be z� oided on all sides of the ne« house L De[ailiee The amou�t and npe of detailine should re�lec� cha 2rcni2c[uraf character of the new house. which m mrn should resoect the other bui!dmQ :ypes and styles in �`,� surroundmg nei�hbornooc Close aaennor: should be pa:d �, r�e e;�cucion of the �2C211!P.= OIl Il'.� iCORi i2C2.=? :dC1P.4 Ii?° LP.21I1 S:"2.�i YES YES YES 99-�59 M. inishes: Painu and stains, smcco color, brick color, alternate siding color, and color of detailing should be consistent with the architectural style of the new house and should be similar to colors used on other houses in the surround neighborhoods. Exceptions to this may be given to projects afrer review by PED design staff. N. GaraQes: Developers are required to provide at least a concrete double car garage pad. Garages should not dominate the front facade and should be tucked behind the new house, if at all possible, utilizin� alley access. Exceptions to this may include tuck- under gara�es and houses on cul-de-sacs, reviewed and approved by PED design staff. O. Exterior Liehtinw: Lighting should be provided on the exteriors of the new house and garage, if applicable, in order to provide a sense of security. Pole fixtures may be used to supplement buildina mounted fixtures. P. Historic Districts and o[her special areas such as DesiQn Dis[ricts Properties located in a special district must comply with the desi�n standards associated with that district. See Exhibit A2 for a map of Saint Paul's historic districts. To obtain more information on these districts and the applicable desi�n standards, contacc Beth Bara at 266-6580. Q. Lot Covera�e: Projects must meet zoning code requirements for lot coverage and se�- back. R. Enerac Efficiencv Ener�} efficiency is encouraeed in projzct desien. �2 Cons[ruc[ion Guidzlines A Houses constructzd under che Replzcement Sinale Familc ?�e« Construction Progr2m mus[ contain three or morz bedrooms. B Developers should refec to che Sain� Paul Building Code for mforma�ion concerning conscruc�ion scandards. �.3 ReQulator} Requirzments Developers mus[ adhere ro new construcuon s�andard; rzquired by apoIlcablz local. scate, and federa] re�ulations, includine the followin�. A. �lacement of Lead W2[�r Szrvice The Cin of Sain[ Paul rzquires tha[ zll lead w2�er services mus� be rzplaced from the srop box ro thz house To de�ermme if thz wa�e: service is lead, call Tom Jonnsor.. Cii� ��'2cer litilizc, a: 298-43??. 99- ��s y� MORTGAGE THIS MORTGAGE, made this _ day of , 199, by (��MOrtgagor"), to the HOUSING AND REDEVELOPMENT AUTHORITY OF THE CITY OF SAINT PAUL, MINNESOTA, a public body corporate and politic with principal offices at 2a_ West Fourth Street, Saint Paul, Minnesota 55102, its successors and assigns ("mortgagee"). wITN555ETH: That said Mortgagor hereby mortgages and conveys to said Mortgagee the £ollowing described premises situated in the City of Saint Paul, County oi Ramsey, State o£ Minnesota, to wit: LSGAI, DSSCRIPTZOH free £rpm all encur.ibrances exceat £irst mortgage with Homestead Mortgage in the amount of $93,500.00. This Mortgage is given in consic�ra�ion o= and as security Por the payment of FIFTY-FOIIR THOIISAND and No/100 DOLLARS ($54,000.00) "Loan�� receipc oi which is hereby acknowledg=d and which is made in order to nromote home ownership and occupancy in the City of Saint Pau�, Minnesota. The Loan is evidenced by a Promissory Note ("vote") to th_ ordzr of the Mortgagee o` evzn date herewith. Sh2 outstarding grincinal amount o- the Note sna�l be due a;d payable upon the default o' tne Morcgagor ;^. *_�e p_riormance o° any terms, conditior or cov>_nan� o` t�,is Mortgaae arc e�^=_-++-se shall bz satis��ed a-� tnis Mortgage d_scnargec n�on �____ Mor�aaco=�s cor.,pLanc= wi�h t__� czr�s, co^3ztions and cove�a-cs o' tnis h?ortaaae. _.._� -: strune: t'_s exem�L '_rom Mortgag_ R_ccsLratce: '^ax nursuaa*_ to *I.S. 287.04. 99-3s � THE MORTGAGOR covenants the following statutory covenants: 1. To warrant title to the Property; 2. To pay the indebtedness as herein provided; 3. To pay all real estate taxes and special assessments on the Property; �. To keeo the Property in good repair and in compliance with a11 applicable state and 1oca1 building, housing and health codes and that no waste shall be committed; 5. To keep the buildings insured against loss by fire and other hazards for at least the sum of the full insurable value of the Property and include replacement cost clause and identify the Mortgagee as additional-insured and loss payee. AND THE MORTGAGOR FURTHER COVENaNTS 6. To use and occupy the Property solely as a personal place of residence from the date of this Mortgzge until (date ten years £rom closing date) ("Homestead Period"); 7. Not to se11 or otherwis_ transfer th= Property duriag the Homestead Peziod ualess such sale or trans£er is mad= to persor.(s) who assume the obligations o� this Mortgaa= a�d undertake to use and occupy the Prop=rty as a personai olace o= residence for *_h= Eomes�ead Period and such transfer or sale is ap�roved by the Morcgagee. Aogrovzl of a sale or t-ansfer w_=1 be given by the Mortgaaee _' all of the =ollowing conditio.s a=e met: a)t'r._ buyer assumes *_hz cbligztior_s oE this mortaaa=, _ncluding the ex2cution o' an Af�idav�t of Agre=ment co ?iom=stzac 'o- the balance of the riomestead Period: b) at th= time o£ sale, c:�z Mortgagee �s paid the a^ou.c dne under trie other provisions hereo= governina Division of Pron=rty A�preciation. 8. Not to lease, rent or otherwise use the Prooe_ty fo: the �roduction o� income during tne =omest2ac Period. Nothing i.. �^is cov�aant sha11 prohibit thz Mortgagor from r=c=icing paymerts 'ron m=mb_rs of the Mortgagor's =amily ir. compersatio; =or room a�d boa=3, so iong as no�tgaaor occu��es tne hom_ as fzmily rzsider.c_ as recu_r=c herein. �. _„ �av tne a'-�-` °= t=e =c:oz': amourc o'_ �__,. -oz- -" ='._ event o_' aa breac: o'_ t___s :�lorcgace w::ch naa ro= nea: cu_=d �.._�___ c___rty (30) davs N__�c_= =o�-__ co �:cr�,-� -, --. __ �_ �___ xcr_,agee -„--- "-c----- _---- - _., --' .,= a- - �_�aa_c �_ 99-��sy 12. Not to mortgage or permit any lien or other encumbrance to be placed upon the Property during the Homestead Period without written prior consent of the Mortgagee. Nothing in this covenant shall prohibit the Mortgagor from executing'a purchase money mortgage to which the Mortgagee shall consent and sha11 agree to subordinate Mortgagee's lien to a superior lien o£ the purchase money mortgage; 13 14 Not to use or occupy nor permit the use and occupancy of the Property without a current Code Compliance Letter and/or Certificate o£ Occupancy issued by the City of Saint Paul; and, Not to use or permit the use o£ the Property for any illegal or criminal activity. 15. To use the Property in accordance with the uses specified in the City Wide Redevelopment P1an as adopted and approved by the City of Saint Paul in Council Resolution No. 277600, dated October 28, 1981, and local zoning ordinances as now in effect and as may hereafLer be amended. Division of Property Appreciation Definitions: Tne following terms, as used in this paragraph, shall have the meanings described: 1. To:.a1 Devzlopmen*_ Cost is de�ined as the Or�ainal Purchase Price of 594.000.00 nlus the original amou�±t of this securec 1oan; 2. �omeow-ier _=v2stmenc is d=fin=d as tn= Origina'_ Burchzse Price plus th= cosc c= anv canitai ��!nroceme^_ts to the Propertv made a`cer the date of this r.�ortgag=_ - ' - ' ? c �e� Sa'_es ?roc°eds _s d°f�nec as t_= 2CtL'2� sale nricz o� the property. ��oreciatio^. is de�in=d as the d�==ere-ce betwe=r_ tn=_ Net Sa1es Proceeds and c�e Hom=�:r�er Iavestm2^*_. A� the tim� o= a�� iirst resale o` the Property durin� *_he �:omestead Period or z=ter tne Eomzstead Per�od has exnirzd, Mortgagee sha11 be oaid an amount ea��al to t2e annreciatio� multiplied by the percentage decerminec =rom div_d'_ng �h= o-igiral amount ef c_.is secur=d -oan by che :ocal Development �ost. __ ^HE MO�ir=G03 s:all oay ti?° Mortcaa=_=_ th� principa� aTou�[ o� the Loan or _= t^e Mer�gago= s: aL usz and occupy t'r._ ?ro�2rty as nerso.^.al glace o£ _>_s_dzncz -°= --._ _��=s�=_ad ?_�z°c °= — c"- '4o==gaao° s�=�_s or t-_ansiers tc pe_sons .�__„ s^a= �.:s=_ G__� eccu�, c__ Prope=c�r as perso:�= _=G.._ o' _2sid=nce -„- "'s =.....es�� ?�__.,.. �___ _..� `-:ortcaco_, s__�=_ssors a-.. ass';--� sha11 ao� .,_"__rv_o_ .,__..,`__ '"_ '__..._, -..-.._�=.,._n d__.. ._.�._ c__n .._ _____ �:C_=, , CP2' --= - -c� ___ __....._-_ "- --e _"__ '--_-- "= -="_c` -- - ---'--__-- .,-:__ �:e _.. _ ----�- --'^ -_ --"---__ - ' __---_--"- -"- -=-�- -- -'s`r.a=a=c __-"-"- '- --= -- =--- _- =-__ -a- ..- '-._ r �_=' -a= _ = ---- cn=_ 99-��s � obligation to repay the principal amount of the Loan shall be reduced by FiVE THOIISAND FOIIR HIINDRED and No/100 DOLLARS ($5,400.00) until fully discharged at the completion of the Aomestead Period. The amount reduced each year during the Homestead Period will not�be used to reduce the Division Property Appreciation, iE property is sold before the completion of the Homzstead Period by the original purchaser or iE the property is sold a£ter the Homestead Period. If a breach be made in any of the terms, conditions and covenants herein, the Mortgagee may declare the principal amount of the Loan due and payable immediately, and TAE MORTGAGOR HEREBY CONS£NTS TO AND ACKNOWLEDGES THE RIGAT OF THE MORTG?�GEE, AT MORTGAGEE'S OPTION, TO ACT TO FORECLOSE THIS MORTGAGE BY ACTION OR ADVERTSSEMEN`T PURSUANT MINNESOTA STATUTES CFL?aPTERS 580 OR 581. A POWER OF SALE BSING HEREIN EXPRESSLY GRnS7TED WHICH SAALL ALLOW THB MORTGAGEE TO SELL AT PUBLIC AUCTION AFTER SERVICE OF NOTICE THEREOF UPON THE OCCUPANT OF THE MORTGAGED PROPERTY; MORTGAGOR ACKNOWLEDGES THAT SUCH SERVICE NEED NOT BE Mt1DE ON TAE MORTGAGOR PERSONALLY UNLESS THE MORTGAGOR IS AN OCCUPANT OF THE MORTG.'�.GED PROPERTY AND TI-L8T NO HEARING IS REQUIRED IN CONNECTION WITH THE SALE. MORTGAGOR EXPRESSLY WAIVES ANY AND ALL RIGHTS TO PRIOR NOTICE OF SALE P.LTi.J ANY AND ALL RZG?-ITS TO PRIOR IiE'.1RING IN CONNECTION WITN Tfin SAL3. OUT OF TNE PROCEEDS OF SUCE SP.LE TAE PRINCIPAL PMOUNT OF TAE LOAN S?iALL B� 9AID TOGETF?ER WITri ALL LEGAi COS�S AND CH.ARGES OF FORECLOSII?2E WITH M�XI�.viL'hl ATTORNEV�S FS�S PERN7ITTED SY LaW. IN TH5 EVEN^ 0. DE?A'u'�^, N!ortcaaee, _� it int2nds *_o foreciose th'_s Mortgage, agrees co giv2 Mortgagor writ�en nocice b_y certi=ied mai= co the address of che mor�gaged pro�erty whic� snall specify: _. The natur=_ o� th2 d2faLic O'_' L]Y2cC: ; Z. TRe dCi.10= �2��1_'_'2C i.0 .^.11='E �."!_ QZ'ZL'IC O� .�"iT-'E"dCP; 3. A dacz, no _zss �han 30 days =rom thz da�e o` no�ice, by wh�c� d=fault or breach mus� be curec; _. Ti'nat iailure to cure zs sp2ciiied may result �n _or=closure; S. Ntortgagor's r�= to r_�astatz subs�au=n� co cor�mencemzat o'_ the actior_ co `oreclose; az=, 'o. N'.ortcacor's rig^_ to br_nc s��c to asser*_ *_^e r_onexiste^.ce e' a de£ault or breac� or �.. _a:s� a�v o[n=r de`e�s=_ to °or=c=os�.:re azc saie. ::03??=�03 ?_C?JiCw-3�G?S _ __' ' '_., _5 =_ __` _ DOC��LV^ =J,� _''_'_ 3=?C== SIGNING ••G3TG?.�:03 =._ r�-.== :,_-:.._.__OC: _:_n -n��'.S =\� �C��_"OVS _�..�=ti, __\� _:.� �IGY^_S :I==�c.., r_H�n3c ?�� "n _"n.._ .,= S�C= ,,:=.3� �:? ==.5 �.�.:..__ _�.;-_ �..�'�S3L TO _"__'_`: �.:' '_r.'.' _"_ '�:�_--,._:_. __..-_' -�� _'_ r ..r 5�_' __r".. q�'-35 J IN WITNESS WHEREOF, the Mortgagor has caused this Mortgage to be duly executed as of the day and year first written above. (MOrtgagor) STATE 0= MINNESOTA) ) COUNTY OF RAMSEY ) The �oregoing instrument was acknowledged be£ore me this day o' , 1999, by Notary Public Drafted by: OFFICE OF' THE CITY ATTORNEY �00 City Hall 15 West Kellogg Boulevard Saint 2au1, Minnesota 55102 � v�i � �� 95i?5' �Z��9) � . � � t � � �,. , � �� : �,: - ,: � �, � � � ` � SZI3�N�S 3'O Q�Q'IY�t?IH N�d �iIHS'?I�SY\I�;Y�I �NO ;' �, ` I. "� I � i , I. � I�� '1 �� i � � a� �. . _ ,_ � � � _ � _ �SPARL:�� PQ �oX 1633i ' � � � �� ° � r ° ��` � t 5 . _� . 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W %`� a �t �/� � �� h';I z ` o e �`� � o r y ° I i G ��:�� o � v y >. � � ro o � m � � ��.': y A m o o v � R �n .� �' � v, � P, � .� u v 'd � u �n o C v C' °� ca ��`a .. '�d no pr O OJ `,�. U� Q� � O Q � ia O�.� v� y 1 qp C'� v C p "� �n ,� .uQ > G ,-�. �a F� N 4,C N �' J. ,1] 'LJ R ~ �L E 'd N N U -+"�+ � y m v o o� a" o v u C?��.n� 3 °�>;-� c��i, � q�° k aGi �' a S=' d'C � � � � v R o 'C °� �� .0 N �..v+ Y N v �, �y+ E�� o P. z ro a Y r. o� � v o � v o"i � td ,� cs v �� u C o a�i R. O �. N o �... H o u.0 3�o .. a v� o� � � FC 0 H � � � V �. N � �. � � � � � � � � ti � M � W H �O N z '� � N � 0 ln � N O H -� .. M �o � � � �D N v � � J+ N r. .a a P7 � u1 � O � C � � U O �"' N � ❑ �' N ^ O . w x � � � � u R P+ R �a w v a 3 �; O � W x F� w O W V w W � w x F+ � x 3 � v � ,r p� .L v N " o � ° o v u � �n ❑ � � � p O O K b � � � T � A � O u pp � N P� N b � t. � aA�x p q o F " O ,L' � � ''�' Y CJ M � � a � a G � P. d � u �u b .0 0 � 3 O � u .�+ � u N � � N �� d� u "� G� � :J u �� ao v C C C � � � 2 � �� a� T � �o c; � � v � .`�. O � i _ _ ___ ______ Dear Wo+i�1aY w wd�s a Y� usipbburbood bsttar `�'`�� OROAN AREA COMMUNiTY COUNCiL 1a19 Low�y AwaYS North Mbw�puYs. Nfw�sNt� SS411 t61Z) 521•5436 Re Propsrty at: 3017, 3019 FraJnont Ave. North The Jordan krea Community Council has launched a major campaign to bring poorly maintained properties up to naighborhood standards. At a recent neighborhood block meeting your property Was idantified as one of the neighborhood's most pobrly maintained properties. The complainta includa: 1.' Front door is missing 2. Garbage loose throughout yard 3. Iawn is not maintained 4. Exterior paint on tiouse and garage is cracked and peeling 5. House and garage exterior has trim boards that are rotting or missing completely 6. Shrubs are overgrown 7. Retaining wall in front yard has collapsed onto sidewalk (continue� other ide� The campaign to bring thesa poorly maintainad propert es up �o eighborhood standards was kicked off at a mejor communitY Rai ville a d WhitaY The residents; Mayor Fraser; and Council Members Hilary, officials committed to using every legal means neceasary to bring poorly maintained properties up tha standards ezpacted of everybody else. JACC� the City, and the block clubs ara cooperating in thesa important projects. We ur�e you to joir� us in improving the Jordan Neighborhood. We are referring this uiatter to the Inspections Department to ensure their prompt follorrup � the property. Information on rahabilitation grants and low interest loans is available from JACC at 521-8436• Sincerely, •.�ii� sirs. �o.+..�a�oO+ kwr �oao�w �a�+ co�uarunr couNCa 1i�9 Lov�� Avwr Noni M�a�olis, lli�ao� Sb421 (6t?J 5=�-i4ii YES, I will he�p JACC's "Dirty Zhirty" campaign.ta fight problem absente� landlords: I will; � ...�.Hei�, li�ne np a�ting on my block to pick.t�ouse<s) •for "dirty thirty" li.st. ��. Get invalved in the ,TAOC Isseres Cc�ittee. G9-�s� !� �Pass out f lyers oa two blxks so my neighbors will ia�os�r about the �y chi�y �. . . _� Type letters listiag block cozbceras to t�e sent w�-oi�tem abs�tee ].aixllorda. . . . 1�tAl� ' � � �.�ati Qwstimt aod Comrntsi �_ ,�► a: A: �, , . �� 9��sq Qu��►o�lsA� S�� s� 1R � 1R HAVE T'dE "�IRTYTHIRTY" HOUSES :SLREADY BEE CHOSEY? iru: ill airty inirty" nouses Will be cnosen at .iACC sponsored 61ock meetings after the January 24 Public Meeting. Q: w'HAT C'.Z?E.RIA MUST A HOUSE '!EE? TO BE ADDED TO TFiE "�IRT7 THIRTY" '?ST� A: e nouse must oe selectea �arou¢n a oiocx meetzng, �e priva�e absentee Landlord owned, and have at Ieast one aousing code violation. Q: HOW C�V +R' BLOCK ADD A HOUSE "0 '*�TF "DIRTY THIRTY" T TST� A: Sign up to notd a blocx mee�zng ac tne Januarq 24 meecing, or by =alling the JaCC office at SZI-8436. Q: WILL .:�CC i-IELP WiTH MY "DIRTF '"!IT�T'Y" 3LOCR MEETIVG? �: .�eiore cne meeczng, �ACC xiii pass out tlyers and doorknock :ouses to heip insure a good turnout for the meeciag. At the meeting, JACC wii: =xplain the "Dirt: i?:irtn" camnaign and !�ov cae block can add a house to the _?st. .�fter the meeciag, J,1CC wi11 keen all peooie attenaing the �lock meeting iaiormed of deveZop- ments. THe block wi1l monitor imnrovemencs made. Q: 'dFTAT �flES THE JANUARY 24 NEL�'T'?SG :iAVE '"0 DO WITH ?'?iE "�IRTY THI�?"_"' ^ _a1�lPAIGY? A: ur e:eccea oziicials, �ae r.ayor ana �ounczl .emoers, sirect c.t: agencies sucn as iaspeccions, :he legal denartaent, the police and o[hers invoi:ea in the dav to day =*forts to get proolem pronerty cieaned uo. This ma�or �u�1ic meeting wi11 demonscrace to officials �7at �roolem aosen�ee lanalord housing _= a maior concern to t^e .:ordan :leighbornood, ana to ootain a committ-:ent ?rom che�e oificials that every s*_eo necessary wiil 6e �aken to insure that these houses ar= �rought uo to code. Q: WHAT '.iLI. 3E DONE [JITH ?'� " T' T Ic�r'? a: JACC :ssues Coamittee researcr. ioimd that a syst�n oi tickets, �'_::es, warrents tor arre�cs, and even jail terms are already in place �o force prooie� aosentee landlords to f'_x uD their property. However, �oo otten orobiem nouses ge� "iost" in the over,.roriced bvreaucratic syscc-m. Bv zaining the support ot Cit? oiiicials to �aice tne "�irty i.:i__y" list a oriorit•, ana w�.e coRmittment oi neiQiicor� to roilow ua on t:�eir pro3ress. ::;CC will uroric wittt blocks to force landlords to orin3 "Dirty Tnirty" List houses up =� code. Q� T� ��T�VME^1T OWNm kOUST`G �TG'�LE ��R �iE LT�'I'? a: V0. ::e �mow nm-down gover.^tenc owned 'nousing is aiso cited by .�=idents as a major nei�:�orcood DPOD12R1� but the strateQy ror �oinQ arter the gove�--ent as landlords is cii°>rent than that ot private Iandlords. You can't throw nt� :n jail. The Issues conmittee decided it :�as cest to imorove orivate landlorc �rooerty first, and _=_n deveiop a difterenc strateg;� ofr nm-down �overnment hc*.:=ing. Q: 5�HI' =' � aknaT F*f 4BSEV'I�E I,�`1DIARD PROPERTY? :�: JACC :alked with hundreds oi nousenoids, met with 3locic Leaders. and block groups, anri :.as gotten feedbacic at aenerai and issues camuttee meecins_. croblem absentee landiord housing has reneatedly been identified by residents as z con concern and f:TMa ^= ��scabili2ation in the neiQhborizood. �0 Ca�'' ��. �"��w l��r � � N YO�IRNE1 G}1�1�1JDr , � �� J�� q�l-�3s 9 �!�wsr.�� oF T-� .roxna�v a�a ;,��rn,�vrrr cccnlcu, JAIViJARY 1989 FIG�T PROBL�1 ABSEN LA�TDLOR.DS .' � , � �,N ��z- T �(,� CK OF� ��c - � iR^ "/ 'r H+R' � C ��"�PA16� _ � � � � � �- � � ��:�� . � �UES�AY, �t�� . 2�: � : �� S�, ��ti�E. � S .� _ ��Ul�t' � _, 2�� ue`� ��rE � �� r5 � eCT� no ,, , � '�t- t� �af��K °l i "�i.e vor a.a+� Gto%�f�ori�OOaC �� ?QThG/' � � , l� ��D/� �Or ±i+Q �ii��r�rjV �wrt,�Cll4rt. � M_4YOR DON �A,S�? � [�1vc�L �� c,��, . Y 'CL�ICIL `�!�'.BERf�LZC� �. �i�iB�UAN r,�.H�' = :35 CcE.^. _7L�3Q1R2 C.'7COLI�iC10llC �'� .*.�lc'Ll- a:oa ct - :�:.'_ ;;ZR"IY =:IRTI �,. -- a �e �i:ry �ir.y 3L2�Y G �:cALZLV cRQ Z.:.DrOVE C.'.� �'.��:V ' C2tiR?31�: :vZll �:-0V2 SOII�idLG :A ::'O �-iases over �'lE "-.YC .:.OIiLh fi[7Q d C,alL. SL 'a0.48 iar,dlora owned �r�:.�=__es iA =^.H �;�_L. :.'I8L'8 �'lll .�'.2 d "..: 17 r.e�:c�c%o ::IE ti1CK-OLi �: "IS �u- � -::DL1C .:�eci:.� pI1 ' .;3I1t2dT:' ?µCll C,^. 5d1R ::.= S:IDDOLL JI -. gA ::Lli :2�:,EL1 uC n CUD11C ::E8C1'Z .:1 ,i3IN3=V OCL :•:•• _ :� '.Tl2C.Z :1��. :''3VOL :�2SEr. =.'IQ �1II1- � 1S LOr :hE C.i�.'iLa�<. �:12 i5SUE5 Ca�cmit:_e wili asic ccac "-t•: P.�ir:v�' --�-_ :.emoer= ��rv, :ainvillz, .� ;:ni:: .-ave oeen erras ;,e a�are� "� _ � ' iLea. =:ority ;roole�s coori.i:ccti: <:� the neighborr.00a a:,a a�tEndin: erai .:ee�z:as, oiocx ciub 5a�ner:-�, and J�CC rc -ee�:-�s, ..^.e .iaCC ��sues :::.:ni._ e :nemoer: rred �-aL -ei�noomooa peooie _�eat:t�; �rob- 3DSERL:2 _aL7Q10rQ ,^,LODErL�25 d5 _ _:3Q1I7Z 32 Ot = C�:ERIS dRQ Q2aCd0111ZdC_C.^. S1 L^.Elr :es• .:a =a-mutee cnose �r.e =_r ��ir=v :aicn as a ::ay co C3L::LC ::lE '+OL__ ,..^. xr�ies. i�n .;anv __nai�ras are nara::orx_: z �e�oie wao � �ooa :.�ce oi tneir �roperc_=_s a..a :.arx ::IIH •= Lc�L122:�9, �.:DDIEtA :10.SELiCE°_ idGCiC �s are .aer scc�:. �z c.e ,,oraan ne�anor-;cc. ,, .i � � ; ._ secc.-d cnase rescs _- :;a nanas oi resicencs :eonie are encouraqea _., :,oK arocu�a G'ieir own oloc:c: '_s chere a=_�xrcy chac snouid �:.EC4'7E 2CL OL ChE I]IL.': :11=.y' 11SL: `;�'j't,; TO CUdl'atl�� :.~e OL'O.'..E�_': - �S� � absancee ewnea, ana a neecin2 -..:s= :.a r.eid c.n the blccx _� necea:une .ne�-_� _zis i; a oroo- '-�n :... �Ze ent b1GC:;. � -�CC .iCdIL DEODlc �zil ��_:� flyers ana -s,� �ooricnocx on your ciccx _' fou e:ould liice :� ;zil a bla.k n�eec- in3• �.ocx 3rouas wii; a:so nein ;nonitor 1tLOLOVE^.IfRCS made cn G'.c �:7�RLLY QUL2[L;, [.^.E .^.3111D31Z:1. � � *i 99�� APARTMENT PROPERTY TAXES Prepared by Jack Homer Minnesota Multi-Housing Association 612-335-3511 1-27-99 INABILITY TO BUILD NEEDED APARTMENTS IN 1VIIl�TNESOTA CREATES CURRENT AND FUTURE SHORTAGE • Approximately 28%ofMinnesotahouseholds live in rental housing, and about 1/3 in the Twin City Area. • Economic growth, demographic factors, welfare reform, etc., create continuing demand. • Current apartment vacancy rate in the Twin City Area is about 1%. Evidence indicates a very tight market throughout Minnesota. • We aze falling behind by several thousand units per year in meeting the projected needs for new apartment construction. HIGH APARTMENT PROPERTY TAXES CAUSE RENTS TO RISE. ADEQUATE SUPPLY KEEPS RENTS STABLE. • Rents rose less than inflation during 1986-1994 when there was adequate supply. • High property taxes cause rents to rise according to a 1993 study ordered by the Legislature; Rental Housing In Minnesota: 1990. • Minnesota tenants pay 65% of the property taxes according to the 1997 Tax Incidence Study. MINNESOTA'S PROPERTY TAX SYSTEM IS A MAJOR CAUSE OF THE APARTMENT SHORTAGE • Minnesota is alone among the states in this severe shortage. .. ,� . 9r �� y. NIINNESOTA'S APARTMENT PROPERTY TAX SYSTEM IS GRADU- ALLY MAHING GOVERNMENT THE PRIMARY FINANCIER OF APARTMENT CONSTRUCTION • In 1998 aparnnents paid $229 million property tax at an effective tax rate of 3.8%. At the state average effective tax rate of 2.24%, apazhnents would pay $135 million. Therefore apartments overpaid $94 million relarive to the state average. REFORMING THE PROPERTY TAX SYSTEM IS A GRADUAL PROCESS • It must be continual. • It must be significant. • In 1997, the Legislature reduced the apamnent class rate from 3.4% to 2.9%, a 14.7% decrease. Actuai taYes paid by apartments in 1998 dropped 8%. • In 1998, the Legislature reduced the apartment class rate from 2.9% to 2.5%, a 13.8% decrease. Actual taxes to be paid by apartments in 1999 aze estimated to drop about 4.1%. 1999 GOALS 1. Reduce apartment property tax rate to 2%. 2. Expand delayed assessment for apartment rehabilitation. 3. Extend limited mazket value to all properties. � � � a� � � a� � � W �/ � �� V 1 � � � � � � � � � � U � G .� � Q C .� � L � � � � � � r � Q \ � i 0 � � �9 ��s 9 � � � N � �� y � r � � � � � _ � � � � _ ■� 0 � � � � 0 � �_;: {:: t'; - r:;' �; �; . ;, �; "�;�. ` '{; �,��. _ F , 0 �, �� M � o • r \ 0 o p � ,�. L!') o \ � �> � � O � � � � � t0 � � � y.+ � o �. � o � "'' � C.� .Q C � 4 � r� � N C L O C� � � � i . X � � N N � � V W � � � R � d � � C R � t� .4d = � L � � � � � 0 � � � � a > � � � � �� ■ ❑ ,� � _ � �9-�� y W .� � W � !"'� � l ��"�i !�y �V r � ^ �/ < � � � � � � . 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N � z O : p.,' � � N QU � � w y � � N � �. �.�. .� � . � �° O a �� 0 o � o � � � a o � o O W d' N 1.�.r � � � C]. � � OA G O O � O '� 4: '� � 3 � o U � O p O p h 69M � E9 w - U y �� A d � � �" w qe � W � /-+ � � O o, a F C.) � ❑ � N > .[ 0 � v �i O 0 � W U O O O O h 69 N � X W � � .. y L�i N . 0 h O� � O .� 0 � T 0 N � O ^ 4n � � W U � •y � a � o � f E � U M M V� � � � O � b ° O � N � ? � d N H � d ¢a O O O � O O O b n 6�9 6�9 � Q� L � U r a N .F A a N a � � � O A o�n N 6 � � ►1 !.. � N�' (S � .o d � � a � U ti N U w \ Y� C d � r-�'i 0 � 0 � t� d � X � .�C O � � c a Y � � U � U � Y .� d � b ;: cb Q � �,�, '3 v �O � C � � � � � O � � � {1�r � � O O t"" �. � a H •� O O V eV X 3� � ^ N o .� V af � � „�.� �,� � �•�,,.��a ��., �z�.��l98 CITY EDITION NEIGHBORS qq_3�� SERVING SqINT PAUL � MAPLEWOOD � NORTH 5T. PAUL � SOUTH ST. PAUL � WEST ST. PAUI � HASTiNGS ST. PAUL : DAYTON�S BLUFF L ndale's Lessons Y A commt��iity organizerfrom the Minnenpolis neighborhood i.s brirtgrng hi.s fnr��iu(u fol- positive communiry change to the Dayton's Bl�iff urea of St. P�rtd. is is a neigh borhood wher people ca Find a sense o involvemen and feel the are making a difFerence, says Joe Barisonzi, executive dirnctor of the Lyndale Neighbor- hood Associalion in Minneapolis. Wilhout a sense of community owncrship, any grandiose plans for redevelopment or revitalization will collapse, he said in an inter- view last w¢ek al the offices of the association, which gets much o( thc credit for a turnaround for the once-troubled Lyndale neigh- borhood in Sauth Minneapolis, I�or six years, property values in th<� poverty-plagued 54-block neighborhood BY 1�ARL J, Wenl downhill 1�ARLSON until the trend eversed two �i� �jears ago. ��i<ui u Crime was a part of life but has now waned, and millions of doUars have been invested in develapment. f3arisonzi does nol take credit for all the progress. "I.ow interest rates has much to do with rising property values, and a neighborhood organization by itsclf cannot do everything,” he said. "To succced, you have to involved evcryone." Rul last year [�arisonai and the I.yndalc Neighborhoocl Association won a $100,000 national award from the Uo Something I�'ounda- tion. Now several Sl. Paul neigh• lorhoodx �rc U,ying to tap inlo ume of this su, cess. .lohn Vuughn, community orga- 2fi;n s�: N ✓+ y N ' �� a �','� ,�:�`gro:�.�.r� �+ � � ii7� i� a? � S ' ��. ��^'L1.d"i.�: ,... ��,..�.�,�».�...��,�.�.�� ,.,.,��,,.� ,:�L..":.., "" lakrSt F � y �� ;, 315' SI 'seh� nizer for St. PauPs District 9 Com e munity Council — the Dayton' n Bluff area east of downtown f said Barisonzi is working with th t dislrict and community council y members to bring his techniques to St. Paul. "He has proven solutions. He has accomplished something," Vaughn said. Financed by a $5,000 grant from the SG Paul Cos., the Lyn- dale Neighborhood Association staff has worked with Vaughn's group and the Merriam Park, Thomas-Dale, Lexington-Hamline, Snelling-Hamline and Summit•Uni- versity community councils. Most of the work has dealt with making block clubs successful, but Vaughn wanted to get more out of the relationship. So did Barisonzi. He said peer-to•peer training and having volunteers from the two cities meet make them under- stand that they are not alone, that what they are doing and what they face are problems and solu- tions that others have faced and used. Vaughn and Barisonzi said Day- ton's Bluff has some of the same problems Lyndale faced, though probably not as extreme. These include probiem properties, crime and flagging citizen interest. "We have 45 block clubs on the books, but only 15 of them are active and only about half of those are doing positive things like oega- nizing cleanups," Vaughn said. [3arisonzi said block clubs were originaily created by police to help fight crime, but he believes they can do much more. He said a serious problem with the clubs was burnout. One person was des- ignated "leader" and eventualty A tale of two Neighborhoods 32n0 SI � �.� :°; � � ,., � � 33iU St " ' lyndete � " ;; School 3ath SI. . � "' LYNDALE � �� .��;�. 35th St. � �g NEIGNBORNOOD ; � �_ 361h St. +�fu? LYndaH � '' dNdl �r� 11h detall araa "�� ;� � DAYCON'S BLUFf '''`;�'' NEIGNBOaH00D / � PIONEER PAESS - all duties fell to that person. s "Picking a leader was like say — ing, 'Who this year is going to e spend all their time at this?' " $arisonzi said. � To avoid this, block clubs in Lyndale have "contacts," not lead- ers. The clubs also have "con- tacts" for specific topics such as crime, safety, arts, education, environmental issues, and youth and family issues. He said that in 50 of the 59 blocks in the Lyndale neighbor� hood, there are at least three "contacts" — meaning a grass• roots organization of 150 people willing to help. He said that because each deals with one topic instead of everything, they don't burn out. "It means, maybe, four litera- ture drops a year instead of hav- ing to go out every nighf with the safety patrol," Barisonzi said. ' This works. It is sweet." Vaughn said Barisonzi and his staff have advantages when iC comes to helping Dayton's Bluff. First, they have proven ideas; sec- ond, they are outsiders who can say things and propose ideas that may be counterproductive if they came from Vaughn. They can say things withouf suffering backlash," Vaughn said. 6arisonzi said Dayton's Bluff has a lot of natural attributes — like its geography and street lay- out — that make it ideal for strong neighborhoods and organi- zation. "And there are lots of commer- cial pockets which form centers of neighborhoods," he said, noting that the pockets can be used to test organizing programs. But Barisonzi also said efforts must be made to engage all seg- ments of the community. He noted that at several meetings lhis month in Dayton's Bluf(, there were few renters and few young homeowners in attendance. "These peopie are assets and part oF the community. They need to be involved, have sense of ownership of their neighbpr- hood," Barisonzi said. "There is a greal alienation with the federal and state governments, and peo- ple see city government as too complicated and too controlled. It is their neighborhood they con- necl with." Karl 1. Karlson can be reached al kNarl• son�ploneerpress.com or �651) 22A 5260. � 9q �s y � io¢ oocn i�, v u, ��. ��: loe Badvonzl, executive dlrector ol the Lyndale Nelghborhood Assoclatlon In Mlnneapolls, is shariqg his knowledge wlth community organlzers In St. Paul's Dayton's Blufl nelghborhood. "He has provan solutlons. Ha hae accompllshed something," says lohn Vaughn, organiier lor the Dayton's BIUH community councll. � N'O �v v w �e „• �. a c ,.3 ,�.,, 'O > > /D � . 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M^ �� `°�^ Nno��O�o�pm"w�°��3c°��3a�'��^ow°'x. o.o"'mv5,°�s� ^v_-g'"^ � 3 ^u ° , �""^ �o m°�^�'u�, c,c,�;�, c c.=`° » f o mv �°'� � �o � `'° � o 0o m� 9 T",� �� o m w � o fD 3• �,c E. � y g m E�' w v n• �.��'. oo � o, .»,w 5� m w a " " 'o a n ^ � o c 3 3 �-' T w v m -�^. o " � � � � fD � a � � � v�, � »� o. � o� .. m °' s 'n � io ' °: i� w c�� io w ao °-� w a c�, w o: a� � oa E' �° �o » o ^, H�'. o? c o F 3 ro E� � c< �m� oo� 6 E_. rn �ou •o '-. „•�;soo ^ � �io o � rv w � � � �� Cl T o 0 0 ° o � : » o 'a rn � o ° k ? ° m � '^� _°: m � m < 3 � m a�E � 3 '� c n � o, � o o o° � �� °•° �v u��,'"�.c � E 5; o o � a3 � rn oo -„❑ B� o.. ti m w a� a o o ao �� c.� goa �oo�o , p o'y y m w o. c w = w ° � ^ o � �! � ° T �'v o• o o g 3 � ."' � � H �D '3 � ": F v � m ^ -c + � m � a� rv�<� s � o. � w . w p o � T � �e o�o w -, p n� � w rv �r rv a a �o m rn y' m o. w a�e ov o �o o m B co E �o a � a�n . w v,' �' �o .� a to v, RPP,-21-1999 14�11 ST PRUL AREA REP.LTORS '' ' � Housing Group Meerng Tuesday, April 13", 1999, Noon University Club 651 774 1177 P.w2i�, �9-3 � � BACKGROUIv'D: This wzs the second meeting of the group. The purgase of tre meeting was to discuss ±he costs of development with homebuilders end finaaciers. The goal is to find ways to make the homebuilding process more attract�ve for deveiopers. Invited guests incl�;ded pzvate an� non-profit hnmebuilders and finance sgecialists. In ATtendance :Ylike Olsan, St. Paul Area Associatioa of REALTORS� Ed 7ohnson, �Vest 7`� Federation PauI Schmidt, St. Paul Associatien of Resisonsible Landlords Jeff Petarson, St. Paul Chamber of Commerce Jon Cruumann, St. Paul Public Housing Agency Steve Johnson, Minnesata Multi-Housing Assocfation Karen Christofferson, Builders Association of the Twin Cities Dave Thune, City of St. Panl Housing Information Office dohn Periard, SY, Pa1 Area Assn. o£ REALTORS`� Guests Kashy Lsntry, St. Paul �Ciiy Council Jer.nifer Billig, St. Pau; City Council Staff Doug Kampsen, irwin Mortgage Kit Hadley, Nlinnesota Housing Finanoe Agenay John Mathem, Mendota T�omes Greg Handberg, Twin Ci�as Development Corporation Unable ta Attend pick Anfang, Building Trades Matt Anfang, St. Pau1 C;hazriber of Commerce TouMoua Lee, XIM Metro Realty Pa�rick Loonan, Capital Ci1y Parm�rship Gtoria Bossia*_n, Fannie Mae Minnasota Rod 7ohnson, �Jilder FaunrlaYion IJick Zehring, Weish Develogment �ohn Periaed gave background or the reasoning behind craatiag a housin� gouF and its formation. �ave Thu�e alsa gave information on tfie gzoug's goals and meznbership. John Mathem stressed th� importance of Council s�.�pgort in the develogrm�n! process. fs"e out�ined the �ro'�lems ovsr dcnsity issues, and that density was always a negative wiih surrounding neignbers and businesses. He has been able to successfully bui3d homes becausc the hoz real estate mazket has sustained the cost of devslopment_ h"�FIFA has bern fi:nancin$ new construction of rental in ihe suburbs. In Si. Paui, much of tae;r financing has been for rehebilitaiion and home ownershig. ICit Hadley se�essed ne:ghborhood politics as an issuc in building new construcrion in the ciry. She aIso recogni2ed a void in the ptivate marke: far new canstruction a�-�d feels tFat economic growrh RPR-27,-1°99 14�11 ST PRL'L ARER REALTORS 651 �74 1177 P.P�/�� . . ; �9 3�s q is the key to affordable housing. Empioyers need to iook a*. housing issues for employees. Someiimes expansion decisions of private business degend also on housing availability for employees. Gr�g Handberg re-iterated the density issue and the problems with `?vi_^.�by-ism" (23ot in my back yard} in t�e City as compazed to the suburbs. Tennifer $illig outiined the complicated cify process for development (i •e cemmunity groups, city licensing, neighbors eta)_ She felt that the process was part af tke problem. Karen Christofferson re-iterated the problems with density issues and L�e problems created when public policy meets w�ifh economic forces. The polirical process in tAe city ma3ces development difficuit. There are increasing pre�sures placed on city councilmemoers in all directians. What can be done about the bureaucracy and how can our goup botster the political will for development. She a3so stated that the affordable housin; groups need to help with overcoming density issues. John Gutzmann mentioned that there are aboaz 4,3001ow-inoome rental housing units in the city. Jennifer Billig felt that people with capital arzd controi capital have to have a voice and say that we need mofe housing. Kathy Laniry mantioned the frustation which comes when one persan in the community can have the power to stop any initiative from moving fonvazd. She aiso stated a frustrativn with people who do not recognize a housing crisis in St. Paul. Dave Thune felt that I3IMBY-ism isn't al�vays bad, especialiy when development daes not stylistically raeet witti rhe surrounding neighborhood. Need to look at design:ng areas that are in sync with neighborhood. John Mathem is itnpressed with the number of Bsby-Boomers moving back to 5t. Paui. I�e receives phone ca11s from the suburbs every time a naw developmen*. is e�er. suggested. His suggestion is to heve Councilmembers be mare adamant about the neighborhoods working with developers. Jon Gut�r,+a++n felt that the �+t,TOtt couununity could play more of a role in Yhe home buitding pracess with the community. John Periard gave staristical information on the aumber of homes availab'e in St. Paul. He felt the ksy io addressing a rental housing shartage lies in moving reniess intc homeownership, whieh frees-up rental uni�. Steve Johr.son said peopie who wa.�t to do deveFopments of renta? in St. Pal say that it is not economically feasi8le. Tazc rates, fees, cos�s to build (i.e. s�eet rock). T}aere way mention of a naw energy code goin�; into effect on July 20, i999 RPR-21-1999 14�12 57 PRUL RR€A RERLTORS 651 774 1177 '' � 7on Gut2mann is pleased with Minnesota's strict building code, which helps with quality compared to other parts of the country. Jeff Peterson mentioned that the Chamber was working on a survey of inembers in Midway and East Side Chambers on affordable housing issues. The meeting adjoumed at 1;30pm. FOLLOW-UP: Dave Thuae is John Per available to on .�:1 P.e4ieC q� �� y TOTR� P.9= APR-02-99 FR[ 11�20 ST FP.UL ASSOC OF REALTOR FAX N0. 6127741177 P.O� �� How car. we idcnti�r gn�-fiuidi�g sourc�s that couJG ma:ta new constrvction oi housin� realisac for developer.? Are there ways to snnpIify the process of creating new housing in the Ciry? �tihat can be doae about the _t'inancia] bFSriers to c:eating the aggressive aumber of new units being propu�cd by the Ciry, i.e Soii conditions? How can we make ihe crearion of n�u� ? in St Paul an acrractive investmcnt for potential devcIopers? What products arc available in Lie private Sector for Qeti�elopzrs of housing'' What resourczs do hous�ng financiers and developers hava at the City? What housing styles are most wmpatible with aclieving tl�e City's housine goa!s? VVI�at are the financial implicarions of:ehabbing existir.; hoL'sing, raYher thttn biulding r,ew? �-Tow can the Ci.y assist devatopers and financiers in the achieving its hoLSing goalsl �� Rq3�9 HOUSING INFORMATION OFFICE Services Information Resource: Provide service to PolicyMakers, other agencies, and the public by making available information of interest either by compiling it internally or through links to other information sources. Provide info to others tLru publications, newsletters, W W W, fax. Demographics Market informarion Forecasting Technical assistance to homeowners and property owners finance neighborhood factors city codes and regs social services loan and grant progams Housing Counseling: Provide one-on-one counseling or personal referrals to individua[s. Housing seazch and placement Credit rehabilitation Mortgage foreclosure prevention Emergency shelter Metro-wide placement and coordination. Housing Link site Training: Pravide and partner with others to provide latttllord/tenant training workshops in Rights and Responsibilities. Whereverpossible, strategrcally target audiences to have better and more concentrated results. Achievement Plus neighborhood team Tenants Union - Tenants Screening Advocacy Project St. Paul Association of Responsible Landlords joint training and link to tenant advocates. Senior Housing Advocacy Group: Assist and provide expertise to advocates and providers ojsenior citizen housing. Assist them in conveying their advice to City policymakers and administration. Market Financial tools Impediments Private Sector Housing Review Group: Assist and provide ezpertise to advocafes and providers of housing. Help develop areas jor inquiry and assist them in iheir deliberarions and conveying their advice to ciry policyntakers and adminislrarion. Market Financial tools Impediments Partners: State Demogapher PED RamseY County Duplication: none: consolidates info sources Partners: Housing Link,Overnight Shelter Boazd,PHA,Tenants Union,Achievement Plus Duplication: Housing Link agencies, other non- profits Partners: Ramsey County, Spazl, Tenants Unioq Achievement Plus Duplication: Ramsey County Attorney's office Partners: Senior Federation, Mayors Advisory Council on Aging. Duplication: none Partners: Board of Realtors, SPARI,, Multi- Housing association, Fannie Mae, Chamber of Commerce, Building Trades, others Duplication: none �ti� gg �� HOUSING INFORMATION OFFICE Services Emergency Shelter: Assist and provide expertise to the various providers of emergency shelter and bansitional housing. Assist in developing procedures and policies to meet the need for emergency accommodations in disaster situations. Ovemight shelter Transitional housing Disaster assistance and follow up Disaster relief planning Fair Housing: The City oJSt Paul advocates and enforces a citywide "Farr Housing" policy to ensure that housing is sold and rented without discriminadon toward any protected class. HIO is currently working with the city's Human Rights office to explore a broader role in identifying offenders, and proactively providing training to landlords in the legalities and responsibilities they must abide by. Housing Development: The Housrng InJ'ormation O�ce will occasionally become aware of developments and development opportunitres because ofproximity to providers Where appropriate, the HIO will encourage and advise developers on known resources, programs and implications. HIO staff will advise appropriate adminisbation, agencies and policymakers of these communications so that jollow up can occur. Additronally, HIO may actively assist in the development ofhousing opportunities where working relationships are established and they coincide with city policy. Partners: Ovemight Shelter Board, Catholic Charities, Ramsey County, Dorothy Day, SPFD, Red Cross. Duplication: none Partners: Human Rights Department, other non-proSts Duplication: none Partners: PED, Aousing Deveiopers, Properiy Ocvners, Neighborhoods Duplication: PED until hando8' dt:04.99 qq359 � 0 in� Y.','Gd FO� .4c::" F.dc:�✓ �TULL51II� F'(llll7il Fnday. Februarv 12, iB99, 12�0o P,L{ L`x:ivcrity Club oF S!. Pasi Fre;Pnt were• Dick Ar,fang, Buildino Trades Matt An�ng. S:. Pa_�l C2,arnbEr c�f Com.merce Iia e�a Cluisruffr�sini, B:dlcicrs As�ociafion of the Tivtn Ci!ies E3 3ohnson, �Vest 7 � Fede:ation Rod Johr.son. «'ilder Po�r_dation Ste�•c 1c'rmson, Minneseta :vlulti-HouMng As;ociat�on �Iicitael 01sen, St. Paui Area A55octation of FZN;AL'I'(JRS' IoLn Periard, St. Paul .4rce As>oCi•siion o.`RFALTORS" Paul $chraidt, St. Pau; Associat.c,n u� Rcspotisible iandlords Ua�c Ti:une. Housing Inf'vc7nalion OCfice, City of $t Pat; Dick 7_.ehring. Wclsh De�eiopmer,t Crsest: Bob Kvssier, L�cansing and Loning, City oFSt. YauI Un::blc te atte:id w�re: Ciloria R:�.trnm fFannie Mae), Jo.^. Gutzmana (Public Housmg ,1�ency), Trn� A4oua Lee (H:v1 Metro Rcalty), Patrick Leonar. (Capit�l City Partnersiiip). Da�e T,:u�c gate sone 5ackground sd ze,sonine ou �Nhy a Uus.ncss;e;ity partne:sh�p couid be b_::C{ieizl ior howivg in St Pxul. He sited �he ncec `or lhe expertise o* the pricetc sector :n ine n,�using prccess anu in marketinG the Gty. ITe ;�ated that the meetiag's pu� .�-as to exptore �4hether busin:ss leaders agreec! ths*. sceh a^ruup cou13 bo:s;ez the housing ma, - kec. Th�e ctai� Maycr Co:eman's co:nnu�inenc te proc�LCtr�g Substan:i2liy riere housiag iu zL pr.ce renges to meet f�9e market. H : alsn eutG•�ed sare barc^ezs to new housin� being built in S:. Yaul, includin$ cons:ruccioa co�ts a;.d soil cenditiozs. LSichae; O�ser, ciscu>sed the Kfi.�L,TOF.S � commit �:ent to iacrc2sir.g hou3ing 0000Runihes. The :ZE•�LTURS� anreed w si2ff the grour �h i:h thc ass:stance of tte CA?y Housi laion:�a[inn Offic;; HoS Ke:sier Qa�e a presentalion en tlie Busincss Ke�iew Councii, a gxoup fecn;ed on creating � cltme:: ir St Pacl st:itan�e for !he cYrwth olbus:re;s t`'lr F�essler stated rha� �o-ne ,s�ues cxam:ac.i h.y t! $RC came fie�:i ci,y e!cpar:mcr.b, [hougL mam were $RC 1mti2t:se5. i�'�? �• J1F then c�ascussed :nc rr�,:ts o: WT.t1.*.111OQ 3 bUJ11eSS GJRSOli1llR1 YO �'�-'L'l'S� ��OUSIR_ issues TLc,:tzjo, O�au� aeld.�essed in t'te mec[int uere z�-oidt�; dunliCauO*�, Ce �mn� t��e �iou.*.': ScOpC, d.'ir' 3 di5CUS5i07 Or pOtc:iti�l lscues t.� addrecc :1ti�o!d1�� Dup;iCation 0 Al; ��ecd oa tI:e ncec to 2voi�' ovz:iappi;LR wiih tz'F.21 �t1-z- volunteer grr..up D2*LOCfi]Pd. 325'as' Ros°Ibwr Avenue • Saint Pa.i�, M� _cs� ;?_2p(b � x�.q Phone• 612!77q-52�5 • F��r: 612/77e_; 177 • Ne': wwwspecr.co:-� . — E-rnuii spocr�spcar.co^�. �,��a ��iiti�uis •or� x�� ao��a �� oossa �na� �.s ��so �n� 5s-e�-��_ °f R E A t T O R S" � , S A 1 N T P w V C A R A A s s o c i a r � o a oF R E A! T O R S� iho V.�i;:e fn.' R�n� �..• - �9- 3�5% S.:UpC � Ihe 2ro�? siied a need to hzve more persors im olved from f:nancial insu?ur.cr.s to deal wili4 ccsts of develo�r.ient. • Tha:e tsas generally satisfaer.en with ke:pine thc group at er about thc cu.;r,u number of members. o Conoensus n'as that the group shau?d operate indc,�, ender.tly� cf 2he City. • Mcrr.bcn a�, ccd on focusir.g tha �wyc to tl,rcc ot fuur isiucs, wl;icli ihc �oup wo�Id address Pote;�:ial Issucs Includcd. • Addreasing ihe costs of dev;i�ipin� hrnuinv in the City • Crcatir.g incc.�n:ives for developzr:°nt nrld pzopeet}• mait;tez�uicc. • Sireamlining the devel�Pmrnt pxocess. • Revie�ving buildine codes fo; developmen:. e (mpact of site acquisition and soii enrcxrinn casts Th: �oup agreed to keep mcctincs to a mir.irr.um. T�ave'1'hune and John petiatd a�,*reed tv ko over the group's 5ugtesUOns and contact them aR.er re� ie�v 8�� 'd 325 East Rose qw,� Avenu2 • So�n+ Pn�,', Mn 551 17-2Cx °none 612,�774-52�6 • Fax: 512/77d ?:77 - Nei: ww�,V.socc:.com =-mail. sp;:c�rCa?s;�car.co^� z�tt�t�zis �ori xd� ao.��y�a �o oossa ��ad �s � � r - b5: ao �n� ss-e�-s_= 1• SAINT PAUL HOUSING INFORMATION OFFICE �/'�J y HIO's Response to Problem or Nuisance Properties: As a HLJD-approved housing counseling agency, HIO responded to 8078 housing counseling requests from tenants, landlords, and homeowners in 1997, and HIO responds daily to problem or nuisance properties by providing the following services: Rental Properties - Tenants — Explains rights and responsibilities of both tenants and landlords. — Informs Saint Paul residents of e�sting HUD and other rental opportunities; — Provides emergency crisis intervention for utility shut-offs, emergency shelters, etc. — Makes Housing Code Referrals. — Provides Relocation Assistance to Code-enforced condemned or fire-damaged properties. — Provides supplemental Relocation Assistance to PED large redevelopments projects such as Lakewood Apartments, Selby Dayton Apartments, and West 7th Brewery Project; Rental Properties - Landlords — Provides Landlord Training Classes to rental property owners who attend voluntarily or are mandated by Housing Court; and — Eacplain the rights and responsibilities of the tenant and landlord. Owner-occupied properties - Non Rental — Provide mortgage foreclosure prevention counseling; — Provide home improvemem loan program information; and — Eaplain city ordinances, such as Excessive Consumprion of Police Services Nuisance Properties - Community Groups & City Departments — Work with community groups such as Lex-Hamline Community Council regarding 1247 Saint Anthony; Saint Thomas College - uaining students on tenant rights & behavioral issues; and Daytons' Bluff Acluevement Plus Program by providing housing wunseling to parents of children participating with the Achievement Plus Program. r, q�_ HIO's RESPONSE TO CHROIVIC PROBLEM PROPERTIES HIO daily works with St. Paul residents, property owners, Ramsey County Community Human Services, social services agencies, emergency shelters, Saint Paul Foundation, and Family Housing Fund to respond to problem properties by providing the following services: Tenant & Landlord Rights 3767 tenants and landlords called HIO in 1998 regazding their housing rights and responsibilities. HIO answers questions on tenant/ landlord rights, fair housing laws, housing code and methods to address illegal activities, such as drug-dealing. Code Enforcement HIO often identifies housing code violations, when explaining housing rights to Saint Paul citizens. In response, HIO explains the appropriate housing code and makes referrals to Housing Code or Fire DepartmenYs Certificate of Occupancy, as requested. Relocation Assistance -(Code-enforced Condemnations/ C of O Revocationl HIO relocates Saint Paul residents living in code-enforced condemned or fire-damaged properties. In 1998, the City condemned approximately 485 properties, which may have required HIO's relocation assistance. In response, HIO works closely with Housing Code, the FORCE LTNIT, and the Fire Department. For example, HIO relocated the 19 residenUfamilies living in a Midway-area building after the Police FORCE Unit raided the building and the Fire Department revoked the C of O. Similarly, HIO relocated approximately 40 residents so the Travellodge could close, as City Council ordered. When providing relocation assistance, HIO often warks with social services agencies. For example, an elderly Highland Park resident was not able to maintain his home. HIO worked with Ramsey County Adult Protection to secure the social services so that this Highland Pazk resident could maintain his independence and avoid the high cost of nursing homes. I� 19-35q Communitv Organizations Currently, HIO works community groups such as the Scheol DistricYs Achievement Plus prob ams by providing housing counseling services to address identified problem properties. The School District recognizes that stable home environments are needed to promote education. Simply, the Achievement Plus Program hopes to reduce student turnover by extirpating problem properties in the Daytons' Bluff neighborhood. Similazly, Saint Thomas College also recognized the dehabilitating effects those problem properties have on education, as Saint Thomas College recently requested that HIO provide tenant training to its college students. Landlord Training Classes HIO provides landlord training classes to Saint Paul property owners of rental properties. In 1999, HIO scheduled six landlord training sessions, and typically, 10-15 landlords attend such meetings. While HIO's training promotes the availability of well-managed affordable housing, HIO's landlord training classes directly responds to problem properties because Housing Court often mandates attendance by problem properiy owners. Currently, HIO cooperates with City and County Attorneys, the Police Department, Code Enforcement, and Human Rights Department to educate landlords on tenantl landlord rights fair housing laws, remedies, safety and health inspections, and methods to prevent illegal activities. Mort *4�age Foreciosure Prevention Counseling Since 1991, 2016 Saint Paul households requested HIO's mortgage foreclosure prevention counseling services, and 843 households accepted HIO's intensive case-management counseling. The Family Housing Fund estimates that the average cost of a foreclosure is $26,600, exclusive of any negative impact on the immediate neighborhood. Overall, HIO reinstated 495 families in their homes, and Family Housing Fund estimates that HIO's efforts averted losses to insurers of these mortgages in the estimated amount of $9.6 million. �RIGINAL Presented Referred To Couunittee Date 1 BE TT RESOLVED, that it is the intent of the City Council that the threshold for enforcement of 2 the City's "Little Davis-Bacon" policy be raised to $50,000, and be it 3 FURT'I�R RESOLVED, that STAR Program guidelines be changed to reflect this intent. Requested by Departrnent of: � Form Approved by City Attorney � �� , �� l� � RESOLUTION SAINT PAUL, MINNESOTA co,�,�a r�e # `�� - 3 s� Green Sheet # � � � � � Date t� �(` � ! c�. ��`1� FAi �ur�, Certified by Council Secretary BY: . � —_� c Approved by Mayo . Date Approved by Mayor for Submission to Council � � �C3e�-by Council: GREEN SHEET Councilmember Mike Harris 6-8630 Rounxc TOTAL # OF SIGNATURE PAGES A resolution showing the intent of the City Council that the threshold for enforcement of the City's "Little Davis-Bacon" policy be raised to $50,000 and that the STAR Progam guidelines also be changed to reflect this intent. PLANNING CAMMISSION CIB COMMITTEE CIVIL SERVECE COMMISSION mui�rowrctae ❑ an�TronrEr ❑ u�vvctirtK ❑p+wnn�.amvcrsoo� ❑nu�ru�taonnKCro ❑wl'ottldews�uill ❑ (CLIP ALL LOCATIONS FOR SIGNATURE) Has this persorJfrm ever vrorked under a contiact for Nis department? ves nio Hes tira P�Nfirm ever been a city empbyee7 YES NO Does fhis Da��Trm Do�� a sldll not normallYP� bY a�Y cuneM city emDWyee YES NO Is Nis Qe`snNfirtn atarp�etl veMoY7 YES NO ��i - 3 No 62334 MXhV�s a,rcau�ri ny_��9czyvtl.7 OF TRANSACTION S COET/REVENUE BUDGEfED (CIRCLE ONEi VES NO SOURCE ACTIYRY KUM8E0. INFORMATION (IXPWN) �19- 3 Sq HOUSING CODE ENFORCEMENT/CHROIVIC PROBLEM PROPERTIES q$ POLICY SESSION OVERVIEW INFORMATION �� Problem Property Definition: � Disrupts or threatens the people, health and safety of the conamunity; or � Consritutes a nuisance or an eyesore and is dilapidated or deteriorated; or � Creates an attractive nuisance which is an abode for crimuial activity; or � Is not maintained adequately and does not conform to uiinimum health and housing laws. A chronic problem property displays any of these chazacterisrics on a regulaz, or repeated, basis. Factors contributing to the occurrence of chronic problem properties: Social Issues: ♦ chemical dependence, and alcoholism ♦ poor pazenting slfllls ♦ decline of family structure ♦ despair/depression ♦ poveriy/ lack of living wage jobs ♦ concentration of race and income groups geographically ♦ aging-in-place population ♦ behavioral issues; lack ofrespect for others Prevention and Property Maintenance Issues: ♦ lack of financial resources to do necessary repairs ♦ incompetence of owner-occupant, landlord/management, or tenant ♦ poor housekeeping skills ♦ poor or no tenant screening ♦ lack of individual responsibility ♦ overcrowding Neighborhood Dynamics Issues: ♦ increasing sophisrication of both tenants and landlords at "beating the system" ♦ changing urban population and expectations ♦ intexplay of housing conditions and property values ♦ affect of one problem property on a nearby "borderline" properiy ♦ age and condition of housing stock generally ♦ absentee landlords ♦ lack of affordable housing Crime and Violence Issues: ♦ violence ♦ drug activity ♦ domestic abuse ♦ owner loss of control to gangs, and illegal activities ♦ vandalism _! 9�1-35y Departments and Divisions Involved with Code Enforcement: Citizens' Services Of�ice - Division of Property Code Enforcement: Enforces city code related to all one and two-family dwellings and all exterior properties city- wide. Fire Prevenrion Division of the Fire Department: Enforces minimum housing and health requirements, and fire code requirements on ali commercial properry, and residential buildings which are three units or larger. Police Department, FORCE (Focusing Our Resources on Community Empowerment) Unit: Organizes and works with block clubs, neighborhood groups and the Patrol Division to identify concems about crime prevention and public safety issues and wozk together to develop strategies for long-term solutions. Department of Plannittg and Economic Development - PED informs owners or landlords of available financial resources that could assist them in improving their property. If there is financing assistance provided landlord training andior home ownership maintenance training may be required. PED also works with neighborhoods to identify problem properties and involve code enforcement, address vacant shuctures or to build new homes on vacant lots to preserve and increase housing stock and remove blight in the neighborhood, and tazget areas for revitalization through a nuxnber of activities such as financial assistance. Ramsey County Housing Court - Housing Court referees hear three types of cases: 1. Conciliation court cases (generally tenanUlandlord disputes; 2. Evictions through the unlawful detainer process; 3. Housing code violation cases. Housing code violations are prosecuted by the City Attorney. City of Saint Paul Housing Information Office - The City of Saint Paul Housing Information Office is a central contact point for housing information, education, counseling and advocacy. The Office monitors housing information and resources in the Saint Paul area and makes the information available to individuals, elected officials and neighborhood groups. q9-3�9 Legislation Governing Certificate of Occupancy and Pnblic Health Inspections Saint Paul legislafive Code chapters: 18. 19. 29: 33: 34: 35: 39: 42: 43: 45: 60-67 105: 113: 163: 189: 198: 290; 292: 334: 357: Board of Appeals and Review Powers of inspectors to Enforce Provisions of Code Unlawful Use of City Properry Building code and Inspection Minunum Housing Standards for Dwellings and Multiple Dwellings (Housing Code) Rental Disclose Posting Smoke Detectors Filling of Cesspools and Sepric Tanks Vacant Buildings Nuisance Abatement Zoning Code Care and Maintenance of Boulevard Snow and Ice on Sidewalks Abandoned Vehicles Truth in Sale of Housing Keeping of Animals Use of Deception to Enter Residence Offenses Directed to Religious Beliefs and Racial Origins (Graffiri) Pest Control Solid Waste Minnesota State Legislation and Regulations: Uniform Building Code Uniform Plumbing Code Uniform Mechanical Code Uniform Fire Code Nafional Electric Code Minnesota State Energy Code Asbestos Hazard and Emergency Response Act ��) Dangerous and Nuisance Buildings State Energy Code Minnesota Pollution Control Agency (MPCA) Regulations Enforcement Options • Owner Watuing • Correction Notice • Summary Abatement - work orders aze issued far a code violation. The owner must clean up or fix the problem, otherwise the city will send a crew to determine if the code violation was abated, and if not to remedy the problem. The owner is then assessed charges for the clean-up or conection. • Citations • Condemnarion 9�-3�s 9 Outcomes • Property brought into compliance • Ramsey County Housing Court • Revocation of Certificate of Occupancy • Registered Vacant Buildings • Case Managing/Ongoing Monitoring Prevention Tools • Rental Taac Equity Programs • Houses to Homes Program • This Old House • Housing Information Office - Educational Programs • Comxnunity Stabilizataon Project • Neighborhood Sweeps q9- 3�9 PED/HRA INFORMATION FOR POLICY SESSION ON HOUSING CODE ENFORCEMENT AND CHRONIC PROBLEM PROPERTIES CONTENTS I. GENERAL OVERVIEW OF HOUSING ISSUES II. CITYWIDE REHAB PROGRAMS III. CITYWIDE MORTGAGE PROGRAMS/HOME BUYER ASSISTANCE PROGRAMS IV. RENTAL REHAB LOAN PROGRAMS V. CAPTTAL CITY BEVELOPMENT PROGRAM City Council Policy Session Apri121,1999 / � ` ; �y 359 -- v�' � N v < � O '� t�D � � N� .N � N N� � �D N z tD C4� a O -i �' O O S2. O � tfl O � � �D � - � � � � � � �- � �� •�+, � � ._. N � tD N � � c� �, � � � O � � r� e /�� d` ` C� 0 � � _ � � � N� N � �/� V� � � � � �V � , 99 ��sq HOIISING ISSIIES THAT �F'FECT CODE ENFORCII�NT/CffiiONZC PROBLEM PHOPERTIES Not Just A Housing Issue? General Overall issues * Poveriy * Living wage To support housinglfamily �` Education * Jobs * Insu�cient resoarces for public subsidies * Federal, L.ocal, State mandates * Iack of contractor participation * Need for continued neighborhood investment (continuin� cycle) � Neighborhood Issues � Safety/Crime Mazginal/In transition neighborhoods Public unprovements inirastructure inadequate Capaciry of Ioca2 developers/contractors ivegaiive reporting on nei�hborhoods/perception Competition with suburban neitthborhoods Homeosmer Issnes � AffordabiIity/Informed buyers Financial problems Homebuyer trainin; Buyers unable co visuatize potential of house Buyer unable io packa�e purchase/zehab Foreclosure preveation � COSt ISSU£S - Minor rehab vs. substantial rehab - Neiahborhood revitatization vs. neighborhood sta�nation - Repl2cement oi ]zad water line - Lead base paint and asbestos _ - tio� enoegh contractors - Af::_-::z_i�e .Ac�;o.^. nznerwozk ier co-?:zctc. - Ta.a°ced �'endor paper,�orVproc�ss '- cent, zetors - Historic & architectural signi ficant properties House Issues Uncooperativ e/unav ailabte property owners Tide issuesllegal/ownership Cost issues/subsidy of cost over value Restrictiors on existin� public resources b4arketing competition with suburbs/hu}�er has choices Overali mzrket saturation oi housing Land use coaflic. 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G � �c �� N a Z O � � � � w `^ o `� t�i o' '" �� i � H 'Z x �. n � w O rt A C A C G 69 � 7' � � O' O .� � O r�n [D ry O .o YJ o v�i � l> O �D W S� �� ., o o ,» m o rn � m a� n. O f+ o '^ �� "' � � ?' � o' N N '� v�i o Q' O O C. O O � A `G P. p� 5 � .t f^D [Y O " a h-q �� a � o w °i y � ° o � � ° � �. C H H � � � �� y�a z �c w � � N �' o�� y o � o� � � �I � +y l�� N ��.�{ �1 � "d � � � � �y- �.59 Family Housing Fund Home Buyer Assistance Loans CLOSING COST LOANS (CCL) Maximum Loan Amount is $3,000. CCLs cover the buyer's cash closing costs. CCLs bear zero in[erest. EQUITY PARTICIPATION LOANS (EPL) Maximum Loan Amount is $10,000 or 10% of purchase price, whichever is less. Minimum Loan Amount is $3,000. * Reliabilitation is encouraged. EPL's used with Purchase/Rehab and Refinance/Rehab have a maximum loan amount of $15,000 or 20% of the after rehab value. EPLs help buyers qualify for a mortgage by reducing the size of the mortgage to an amount they can afford. EPLs bear an interest rate of 3% per annum simple interest. REHAB PARTICIPATION LOANS (RPL) Maximum Loan Amount is $7,500. RPLs are used with Refinance/Rehab and Purchase/Rehab mortgage loan programs. These ]oans are used to cover the gap between the after-rehab appraised value and the cost of rehab. The RPL bears zero interest. 10% of the RPL is forgiven each year the owner remains in the home. Terms and Eligibility Home Ownership Counseling: Required on all loans except Refinance/Rehab. Call Home Ownership Center at 651/659-933G for information. Eligible Households: Owner-occupied households which are either families with chiidren or participate in a"special program" adminis[ered by the Saint Paul Home Loan Fund: Houses to Homes: Dis[ressed Projects • Vacant Housing Program Refinance/Rehab and Purchase/Rehab • Replacement Single Family New Construction PHA Home Program (Public Housing Agency) • 1-4 Unit Home Ownership Conversion lncome Limits: �50,880 adjus[ed $1,000 per household member. Eligible Properties: One ro four unit residences within Saint Paul city limits. Maximum of $112,500. Basic Terms: Family Housing Fund Loans are secured by a nonrecourse note and mortgage and are subordinate to the tirst mortgage. There are no monthly payments. Loans are due and payable upon sale ot the home. transfer oi the tide to the home. when the first mongage is paid in full o* when the borrower no ionger occuoies tne homz For infornrntion call the Sain[ Paul Home Loan Fund at GSI/266-6511 and ask �or a Mortgage Loan Officer. 3/31/99 ' � 9q-�� See it, buy it, f� it, love it. The New 1998 Middle Income Program Income Limit: $121,600 Buy a new home or REFINANCE & FIX-UP y011T CUTl�lll IlOIIl� witl� very low interest loans froin the Saint Paul Hoine Loan I� uiid. 0 G.25 % 6. 5 2 %�PR*x 30 year term, one point Qualified Uuyers: • Straight purchase • Purchase/rehab loans: $5000 minimum rehab required. • Refinance/rel�ab loans: Minimum rehab required. Minimum rehab equals E�urchase price plus cosf of previous improvements, it any, dividec( by Un�ec n�inus worlc completed in the 18 monUis prior to closing. • One to four units in Saint Paul city limits eligible. Maximum purchase price: $267,520 Low cost inspections offered to help you determiue your home improvement needs. Call the Saint Paul Home Loan Fund. 2G6-6G2G Your purchase, refinance, rehaU experts. "Annual Percenlage Rate 6ased on uninsw�ed conventional mortgage of $G0,000 in 3G0 equal Installments o( $3G9.44 plus tax and insurancc. Maximum mor�gage limits and down payment mquirements a�e subjec.t �o PI IA, VA, and PNMA/�HLMC rcquirements. Adjustment facrors aUowed (or 2, 3, and 4 unrt dwcllm�s. � 9 9P 3�s q Closing Cost Assistance Loans Maximum Loan Amount is 2% of first mortgage to be used for closing costs and downpayment. Closing Cost Assistance Loans bear zero interest. Terms and Eligibility Home Ownership Counseling: Required for all first time Home Buyers. Eligible Households: Must be participating in City of Saint Paul Phase XI Program at G.25% (G.43% Income Limits: $72,9G0 for 1& 2 person households $55,120 for 3 or more person households Eligible Properties: One to four unit residences within Saint Paul city limits. Maximum purchase price: $137,577 for existing homes, $1G4,092 for new construction BasicTerms: Closing Cost Loans are secured by a nonrecourse note and mortgage and are subordinate to the first mortgage. There are no monthly payments. Loans are due and payable upon sale of the home, transfer of the title to the home, when the first mortgage is paid in full or when the borrower no longer occupies the home. For information call the Saint Paul Home Loan Fund at 651/266-6626 and asl: tor a Mortgage Loan Oiticer. 4/9199 See it, buy it, fix it, love it. ��-�5� Whether buying a PIRST, S�COND, or TI home— tliis progl�am's for YOU! o4p �� ►��°sS Buy � new home or DOn' p e�aY R�PINANCE & PIX-UP yOUI' Clll'1'�IIt �1011](' W�� very lo� interest loans from the Saint Paul IIomc Loan l�und. 6.25 ° o 6 . � /O ni�i: � �° 30 ycar tcrm, zcro points NeW •N�g ��ts ln°�� Qualificd buycrs: • Straighl pwchase • Purchasc/reliab ]oans: �5000 minimum rchai� irquirec(. • Refinancc/rchab loans: Minimum rchab rcquired. Minimum rehab equals purch��se price plus cost of previous improvctnents, if any, dividcd by three. Maxinunn houscl�old incomc: $72,960 for 1& 2 ��ason houscholds $85,120 for 3 or inorc ��crson houscholds Maxiu�um purchasc pricc: • Gxisling residencc: $137,577 Ne4y • New construction: $16�},092 P �rch a H�gher • Onc (o four uni(s iti 5 �,;��c l��t,l �<< ��„�, ��;�;��. t��„ "�� Low cost inspcctions of(crcd to help you detcnninc your hon�c improvemcnt nccds. Closing wst a'ssistancc loans ,zv��il,iblc. Czll the Saint Paul Home Loan Fund. 651 266-6626 Your purchase, refinance, reliab experls. "Anuual Prrccnla�;c Italc bascd on uninsiucd cunvenlional mmlgagc of $GO,ppp u� j(,p cqual inslalimenls o( $3l15.9ti plus lax and insurancc. Maximwn moi1ga�;c limils anJ Jown paymi�nl rcquiicmcnls aic subjccl lo I'ilA, \�A, and I�NIvIA/I'iILM11C rcquiicmcnls. AdjusUncni faaors allowed (or 2, 3, and 4 unil d�vcllings. 9 r-35 y Welcome Home to Citr�LivinQ! Do you want to buy or renova�e a home in Saint Paul or Minueapolis? Then take a look at CifyLiving Home Programs, because you may well qualify for a below-market-rate mortgage loan. VJhether you're buying an effisfing home, building new or renovating an older home, you'll find more home choices in Saint Paul and Minneapolis. To support your desire to live in the city, CityLiving offers purchase, purchase/rehabilitation and refinance/rehabilitation loans. Qualified home buyers can even combine their mortgage loan with G�iyLiving Special Assistance Loans. Generai Program Information • You must live in the home. • Property must be one to four units in Saint Paul or Minneapolis city limits. • We provide pre-qualifications for the fee of the credit report. • Income and purchase price limits apply. • Free Home Buyer counseling available. Refinance/rehab and Purchase/rehab Loans Information • You can refinance your mortgage or contract for deed and make major repairs and inprovements. • Property must be at least 20 years old. • Minimum rehab requirements apply. • All work must be completed by a licensed contractor. CiiyLiving Special Assistance Loans for Closing Costs and Affordability Assistance • Income and purchase price limits apply. • Easy repayment terms. �>- y � :1►= �►,' , 1 i �� £=- 1 ��1 home programs For infornatior:, ca11(612) 673-5288 in Minneapolis or (651) 266-6626 in SaintPaul. C:njLia�ing s?ccsore� oy ��.-?zc! J=_�ar�en*. a Planning & Economic Develonmea_ (PED) and �e �Sxnea�oLs Co�_r:-r Deveionm=_a: 9gennr (MCD _', q9-��sg Rental Rehabilitation Loan Program The Rental Rehabilitation Loan Program serves as an effective financing tool providing a variety of opportunities for qualified owners of multi-family structures to rehabilitate their properties. The loan financing can be structure at a flexible interest rate and term to meet the financial needs of the project. These funds assist the owners in upgradin� and improving their rental units which can include health and safety deficiencies and other improvement to meet housin� code standards or to obtain a current Certificate of Occupancy. In addition, energy, security and handicapped improvements are also an eligible, all while maintainin� these units at affordable rents to low and moderate income occupants. There aze three funding sources for the Rental Rehabilitation Loan Program. CDBG CDBG Rental Rehabilitation funds can be used on rental properties usin� the following HUD approved guideline. These guidelines have also been approved by the St. Paul HRA. The maYimum funds allowed per project is $10,000/unit not to esceed $250,00/project. CDBG funds cannot exceed 100% of the Rehabilitation cots and cannot exceed �0% of the total development costs. H[ID & CDBG funds together cannot exceed 100% of the rehabilitation costs. The current balance is $740.800. HUD HliD Rentai Rehabilitation funds can be used on rental properties usina the followin� guideline. The maximum funds allowed per project depends on the breakdown of type of unit. HUD allow�s 5�,000/unit for efficiencies, 56,�00/unit for one bedroom unit, �7,�00/unit for two bedroom units, and �8,500/unit for4 three or more bedroom units. HUD funds cannot exceed 50% ofthe rehabilitation costs. HUD & CDBG funds together cannot exceed 100% of the rehabilitation costs. This Fund is no lonQer beino funded b}� HliD. The fund balance indicated belo�v is from program income. The pro�ram income dollazs still need to be distributed accordina to the original proQram ouidelines. The current balance is $114,643.00 MHFA �IHFA funds are at a 6% interest rate proaram. The masimum Yunds a1lo�ced under this prosram are S?�.00 :o: a sinale famil� structurz or S10.00O-unit c�ith a maximum oi 5100.000,%multi-� :3:i1.'� �^uCiii'�. T;1Z Ci:� O: J�I1i P3:� L125 RO ull�Ci CO�T_01 0: -'1: �IH'_-� illi135 ! RZ CII�" 0? �a.n? °au! can rzquest n:nds ?:om �SHr.� on a project b� project oas.s. �,IHF_a ;,as final detennination if ihe project «iil be timdee usmg thi� pro�ram iiundinE source. DEPART.bIENT OF PLAPlNZVG .t � &ECONO.LtlC�E�6LOPMENT Qn �� Briam Sueeney, Dmector � � crrY oF sa�rrr PavL, Narm Co[eman, Mayor .Narch J. 1999 Telephone: 61Z-266-66?6 Facsim ile: 672-228-33? I 2� West Fourth Streer Saint P¢u{ .bNS�lOZ Capital City Development Program New Construction or Rehabilitation Houses to Homes There are approximately 68,500 single family houses in the City of Saint Paul. About 430 of these houses are vacant and over �0 houses are demolished each year. Just one vacant house or lot in a neighborhood can cause bli�ht and lead to the perception of instability, affectin� the property values of a(1 other homes in the surrounding neighborhood. This proaram was developed to assist in either constructing new homes on vacant lots or rehabilitatin� vacant houses to provide for your personal residence. How the program can work for you: An individual or family interested in rehabilitating a vacant house and/or building on a vacar,t lot, which propem� would be used and occupied as your personal residence can apply for a eranUdeferrzd loan to cover the difference bernzen the purchase price plus the rehabilitation cost and the afrer-rehab market value of the home. For example, consider a house meetins program criteria �vhich can be purchased for 53�.000 and rehabilitated at a cost of 560.000 for a total development cost of 59�,000. The afrer-rehab market value established by an appraisal is S70,00Q In this case, the HRA/Cin ��ould provide a 52�.000 orant to cover the difference. This would be the same type of example if you �vere buildino a nen house�lefs sa} the lot sells for �1 �.000, new construction of a three-bedroom sinole family home is 5110.000, and the as-built appraisal reflects a price ofS100,000. A�ain in this case, the HRA/City would providz up to �2�,000 in financine assistance. Other available financial assistance: In addition to this financins assistance, the City can provide a purchase/rehab mortgage or end loan morteage for purchase of a ne�r home to be built at low interest rates to qualified borro�cers to finance the purchase and rehabilitation of a house up to its after-rehab andlor as-is buil[ market ralue. Do�vn pa}ment srants, closing cost loans and equity participation loans are available to low and moderate income home buvers. It would be advantaseous for �ou to submit a loan application and set pre-approval, which �vill tell you ho��' much you may be able to secure in a first morteaQe and also identify' an} issues that may prohibited }ou from securina a first mortQase. It wi(I be necessary to secure a first mortsage in order to bz considered to participate i� this proaram� (Information is znclosed on other programs) Technical assistance: Once �ou ha�z z siened �urcha>z zsreem:n: on eithz; z lot or house. the Cin °ED «iIl .�orK �, i'h �-ee *.o nzlp wn :'etzr*n!r,e «ha, nezds ?o �z in.ludec i�: �o!�� pians for rena'oiii�anor: ar.d or nen :er.st*ucL;on 9G-�s � Nonprofit Housing Development: Many of Saint Paul's neighborhood nonprofit developers have been purchasing and rehabilitating vacant houses and building new homes for resale to qualified buyers upon completion. If you simply want to purchase a home, perhaps one of these houses wil] suit your needs. City mortgages are also available for straight purchases. For further information on the Program, please call Sheri Pemberton-Hoiby at 651-266- 6615. See attachments PED SYS'_ SFURED PE.�ERTO H?H GEt tVFOLET K"PD 9i-��s� Houses to Homes-Vacant House Assistance Program Guirlelines Overview Pur o e � Program is desi�ned to support neighborhood revitalization by addressin� vacant buildings. Allow for thz purchase, rehabilitation and/or demolition of vacant houses. Provide financin� and technical assistance to participants. Ob}ectives " to better coordinate and focus City actions throu�h Code Enforcement, rehabilitation and demolition to address vacant buildin�s/houses. ` to contribute to revitalization and stabilization of neighborhoods. " to increase homeownership oppormnities. ' to save existing housing stock, where feasible. ` to recapture and improve the City's tax base. ` to encouraee public/private/ community partnership centered around homeownership and other neishborhood revitalization efforts. EliQibilit�� Criteria Participants: For-profit, nonprofit, individuals and families. Prooercies: - properties must be de�ached sinale family or duplex. To�vnhouse/condominiums ineliaible. Tripl�x to fourplzx ma� bz elieible if being converted to sinale family or duplex. - properties must be vacan�. - properties must have characteristics contributing to neiehborhood blight and require moderace to substancial rehab. - propzrties must mzet certain assessment criteria set down by HRA (attached). Homebuyer: - HRA identified ttvo fundina sources to allow the sreatest flexibility for marketin�. In Qeneral maximum allowabie income for households buying ranges between 80% to 110` median income (563,600). - must occupy the propem� as their residence for a period of ten years. EliQibie De�elopment Costs -�couisi?ion purhase price (justified b� aopraisall unless owned b� HR�.. plus title costs ar.� closina cos�s. Renabil,�a�ior. con.truction co��raa amoun�_ — cortiasenc� r_ot w exceed S�� per aross squa-� �__ '?.`_ iJJ."_ �O.TiD�1..,� :� .....!u�:.� cil _.__li.^...... _._2 2::� _ D25.'L?12PT SCl�I'l). ��?:: C�=:� �2"��iP= CO:`.��CZS2i� Cl0�lII4 CO�u. LIli2rLIP i1RaR.;� 2nD�in�. ::1dI�:EL1II? ao more tnae -� ot sale pnce�. desi_a. de��eiooer i�e ��5.000 single ram�'.�•. �10.00Geuolexi 9�^�5 y Rehabilitation Standards The extent of rehabilitation should go beyond minimum code requirements. Program intent is to support a level of rehab which makes property safe, attractive and marketable. Particular attention to structural and mechanical deficiencies which limit marketability and place hardship on new homebuyers. Improvemen[s which enhance marketability and strezt appeal need careful consideration to keep property viable now and in fumre. ` City Code Inspection write-up is required. " Mee[ minimum FHA/VA property standards to allow for end loan financing. " Exterior improvements are extremely visible component of neighborhood revitalization. " Major improvements such as floor plan redesi�ns will only be considered in converting properties do« n in size or removin� conditions that severely limit marketability of property. "` Ener�y improvements should be considered in rehab where cost effective. " Properties desianated by State Historic Preservation Office need to address the Secretary of Interior's Standards of rehab for historic buildines. " Rehab includes repair or replace as needed of existin� conditions. ReQulatorc Requirements � Leack base painL abatemenc. Federal, Scate and local reeulations apply. " Asbestos removal. Scace requirement. " Replacemen[ of Lead ti` Line Service. City ��later Department requiremen�. " Egress window;. Bedroom �vindocv for existinQ buildinas that are not replaced are Qenerall�� allowed to remain (City buildinQ code decision). Windows that need replacemenc must meec liniform Buildina Code. State requirement. Financing Assistance The maximum assistance provided is represen�ed by the difference between the total development cos� r::n�r the afrer rehab appraised marke[ value up to a maximum of 53�,000 for a single family and $50,000 ior .: duplex or cenverions of a duplex do��n to a singie famil}. Guideline ��'ai�er Statement ��.ai�zr of masimum iinar.cing assis�anee mac be requested from HRA in ek�raordinary circumstan:c Su�n c;rcumstances ma� irciude ne�d for special his[orical o: archi�ec�ural [rea�ment or a demonstrz:e. -_ �Lr�p��' . �-.42=.'> �4? C-:J c_r q 4- �3v � Replacement Single Family New Construction Program Gui�lelines Overview Pur s Program is designed to support nzighborhood revitalization by addressin� vacant lots. Allow for the purchase, development of single family housing and subsequent resale for homeownership. Provide financin and technical assistance to participants. 'ecfives " to better coordinate and focus City actions to help reduce the number of vacant infill lots as a result of demolition and years of disinvestment. " to contribute to revitalization and stabilization of neighborhoods. " to develop new housin� opportunities. '` increase homeownership opportunities. " to recapture and improve the City's tax base. " to encoura�e publiclprivate/ community partnership centered around homeownership and other neighborhood revitalization efforts. Eliaibilitv Criteria Participants: For-profit, nonprofit. individuals and families. Properties: - vacanc lots zoned for single family use. - no more than 2 lots in any block face b5 an� one encirv in any Qiven calendar year. - loc must bz ac leas� �0 feet in width. Lo�s 40-49 feet may be developed if new homz is pre-sold or construction financina secured. Exceptions to this policy may be considered �: HRA on a case-b�-case basis. - properties whzn complete must be owner-occupied sinale family homes. Homebuyer: - HRA identifizd t�co fundin� sources to ailo�� the greatest flexibility for marketing. In Qeneral maximum allowable income for households buyin� ranQes between 80�c to ll0` ��: median income (S63.600). - must occup} the property as their residence for a period of ten years. Elib ble Development Costs Acquisition: purchase price ljustified b} appraisall unless owned by HRA. plus ritlz costs ar.c closin� cos[_ Cons�ruction: constructior. contract amount + continge�cy' not to exceed S70 per gross squ2re :__ isqnare ioo:z�e computed [o iaclude 21! iinished 2rea zn� � ba;ement sq�i�). J _" � 0:'_ _._ ' " _'�_ "-�2!� CiO�lII= `='"' "_" ".. ..:i� �YA'"_" T3InBtiP.c �..� I.^.J:� C..�.. � JI 521� DI;.'��. ��-L`. u�'�2LJ��C T�� o.lJ�� SIRa12I3II111t q� �� y Construction Criteria Design Standards: See Exhibit A attached. Construction Standards: - must contain 3 or more bedrooms. - must adhere to St. Paul buildin� Code and all State and Federal codes. - must meet FHA/VA property standards for financin�. Regulatory Requirements: - E�ress windows required in basement. Required by State Uniform Buildin? Code. FinancinQ Assistance The maximum assistance provided is represented by the difference between the total development cost minus the after as-builc appraised market value up to a maximum of 540,000 for all single family homes. Guideline Waiver Statement A waiver of maxunum financina assistance may be requested from Hr2A in extraordinary circumstance= Such circumstances mai' include need for special historical or architectural treatment or a demonstrare� pun; purpose for expenditures bey ond the desiQnated maxunum amount. : �:s.a.es� s-�= ce� a=_ SECTION 3: CONSTRUCTION STANDARDS 99-��s � 3.1 Design Standards A. Orientation: Houses should be oriented to the primary street to which the plat is oriented in orderto encourage physical and visualinteraction between private and public areas to promote securiry and neighborhood relations. B. Alianmenc: Howzs should bz alianed alonQ major streei sz[back linzs so as to achie��e a visual rh��thm and definiiion of the strezc m a mannzr similar ro other urban residzntial neiahborhooes. �b'here thzrz are existinQ adjacen[ houses, new infill should align with the setbacks already� esczblished. _,. I YES, BUILT UP TO EXISTING I _,�;.�� % ISETBACK � � _ I � jNO, �� i __, -- �TOO FAR FROM; -- 'EX15714G _''- •SET3ACf e PP. MARY ST.�� PR MARY STREET G 9-3�9 C. cce : Where alleys are adjacent to infill si[es, they should be used for vehicular access to garages, driveways, parking pads, and services. ST REET Where no allz} is available for cehicular access. curb cu[s and driveways from the main s[rzzt should bz as small and unob[rusn e as possible D. Landsca i�no The landscapz p12n should ennancz the buildme dzsian and add ]onQ �erm value co che p,ojecc. lise of a licenszd Landscap: Archicecc or Architecc in desion oi [he landscape plan is encourzozd. Safen and � isioilitt' around tnz si[e should be oalanced with azs[hztic and environmen[zl concems such zs shadirs, pro�eaior: irom ecm[er winds and shading. Hedaes should'oz used to dziine public and prnace areas of [hz front and side yards � � � i . —�, . -e..�=_ �' _ 9g- ��s 9 E. Fencino: Fencing made of strong, durable wood or decorative black metal fencing is encouraged as an integral project element, in order to prevent later introduction of unsightly and possibly fra�ile fences by the homeowner. Fencing should complement the architectural feafutes of the project and permit visibility. Possible Meta] Fencina Possible Wood Fencina F. Entries: Entries should be clearly articulated and orientzd toward the primary streei and sidewalk. _ Porches. o�erhanes. znd s[oops should'oe used [o shelczr en�ries from the elements anc [o p;o� ide a transi[ion bearezn in[erio- and exterie*. G Por1e� Pzco;. Te�ra:,e� a�� Cmerec En�ries Tne<_e elenen�s snoutd be used � `_,.�.. r = - __. _�._.._:_r. �__._ �..._... a :c ..z��..:, �e,,._;a oubLc ar!c ; YES YES NO, No porch or covered entry �y 3�sy H. Directional Emphasis: Narrow lots should contain buildings with a more vertical expression. Houses should be oriented to take advantage of views, solar gain, natural breezes, and efficient lot use, while protecting from winter winds and obtrusive exterior noise. • - Scale and Massino: New construction should emulate the scale and massing of housin� throughout the surroundin� neighborhood. Roof pitch and style should respect similar types in the surrounding area and bz consistent with the architzctural style of the new house. Exterior Materials: Materials used on exterior of new houses should respect the character or surrounding buildings and should be durable to add lastin� value to homeowners. Stucco, brick, and solid wood lap sidin� are encouraged. Heavy gau�e aluminum or vinyl siding are allowed unless prohibited by Historic or Desi�n District guidelines (see paragraph P below). Other materials will only be allowed after review and approval by PED desi�n staff. K. Fenestration: �Vindows and doors shouid be in keeping with the architectural style of the new house, and should rzspec[che surrounding contex[ofchz nzighborhood. \Vindows should be incorpora�ed in�o the facades to al1o�� for ��m�er solar gain and summer namral orzzzes. Blanl:. s�erile facades should be z� oided on all sides of the ne« house L De[ailiee The amou�t and npe of detailine should re�lec� cha 2rcni2c[uraf character of the new house. which m mrn should resoect the other bui!dmQ :ypes and styles in �`,� surroundmg nei�hbornooc Close aaennor: should be pa:d �, r�e e;�cucion of the �2C211!P.= OIl Il'.� iCORi i2C2.=? :dC1P.4 Ii?° LP.21I1 S:"2.�i YES YES YES 99-�59 M. inishes: Painu and stains, smcco color, brick color, alternate siding color, and color of detailing should be consistent with the architectural style of the new house and should be similar to colors used on other houses in the surround neighborhoods. Exceptions to this may be given to projects afrer review by PED design staff. N. GaraQes: Developers are required to provide at least a concrete double car garage pad. Garages should not dominate the front facade and should be tucked behind the new house, if at all possible, utilizin� alley access. Exceptions to this may include tuck- under gara�es and houses on cul-de-sacs, reviewed and approved by PED design staff. O. Exterior Liehtinw: Lighting should be provided on the exteriors of the new house and garage, if applicable, in order to provide a sense of security. Pole fixtures may be used to supplement buildina mounted fixtures. P. Historic Districts and o[her special areas such as DesiQn Dis[ricts Properties located in a special district must comply with the desi�n standards associated with that district. See Exhibit A2 for a map of Saint Paul's historic districts. To obtain more information on these districts and the applicable desi�n standards, contacc Beth Bara at 266-6580. Q. Lot Covera�e: Projects must meet zoning code requirements for lot coverage and se�- back. R. Enerac Efficiencv Ener�} efficiency is encouraeed in projzct desien. �2 Cons[ruc[ion Guidzlines A Houses constructzd under che Replzcement Sinale Familc ?�e« Construction Progr2m mus[ contain three or morz bedrooms. B Developers should refec to che Sain� Paul Building Code for mforma�ion concerning conscruc�ion scandards. �.3 ReQulator} Requirzments Developers mus[ adhere ro new construcuon s�andard; rzquired by apoIlcablz local. scate, and federa] re�ulations, includine the followin�. A. �lacement of Lead W2[�r Szrvice The Cin of Sain[ Paul rzquires tha[ zll lead w2�er services mus� be rzplaced from the srop box ro thz house To de�ermme if thz wa�e: service is lead, call Tom Jonnsor.. Cii� ��'2cer litilizc, a: 298-43??. 99- ��s y� MORTGAGE THIS MORTGAGE, made this _ day of , 199, by (��MOrtgagor"), to the HOUSING AND REDEVELOPMENT AUTHORITY OF THE CITY OF SAINT PAUL, MINNESOTA, a public body corporate and politic with principal offices at 2a_ West Fourth Street, Saint Paul, Minnesota 55102, its successors and assigns ("mortgagee"). wITN555ETH: That said Mortgagor hereby mortgages and conveys to said Mortgagee the £ollowing described premises situated in the City of Saint Paul, County oi Ramsey, State o£ Minnesota, to wit: LSGAI, DSSCRIPTZOH free £rpm all encur.ibrances exceat £irst mortgage with Homestead Mortgage in the amount of $93,500.00. This Mortgage is given in consic�ra�ion o= and as security Por the payment of FIFTY-FOIIR THOIISAND and No/100 DOLLARS ($54,000.00) "Loan�� receipc oi which is hereby acknowledg=d and which is made in order to nromote home ownership and occupancy in the City of Saint Pau�, Minnesota. The Loan is evidenced by a Promissory Note ("vote") to th_ ordzr of the Mortgagee o` evzn date herewith. Sh2 outstarding grincinal amount o- the Note sna�l be due a;d payable upon the default o' tne Morcgagor ;^. *_�e p_riormance o° any terms, conditior or cov>_nan� o` t�,is Mortgaae arc e�^=_-++-se shall bz satis��ed a-� tnis Mortgage d_scnargec n�on �____ Mor�aaco=�s cor.,pLanc= wi�h t__� czr�s, co^3ztions and cove�a-cs o' tnis h?ortaaae. _.._� -: strune: t'_s exem�L '_rom Mortgag_ R_ccsLratce: '^ax nursuaa*_ to *I.S. 287.04. 99-3s � THE MORTGAGOR covenants the following statutory covenants: 1. To warrant title to the Property; 2. To pay the indebtedness as herein provided; 3. To pay all real estate taxes and special assessments on the Property; �. To keeo the Property in good repair and in compliance with a11 applicable state and 1oca1 building, housing and health codes and that no waste shall be committed; 5. To keep the buildings insured against loss by fire and other hazards for at least the sum of the full insurable value of the Property and include replacement cost clause and identify the Mortgagee as additional-insured and loss payee. AND THE MORTGAGOR FURTHER COVENaNTS 6. To use and occupy the Property solely as a personal place of residence from the date of this Mortgzge until (date ten years £rom closing date) ("Homestead Period"); 7. Not to se11 or otherwis_ transfer th= Property duriag the Homestead Peziod ualess such sale or trans£er is mad= to persor.(s) who assume the obligations o� this Mortgaa= a�d undertake to use and occupy the Prop=rty as a personai olace o= residence for *_h= Eomes�ead Period and such transfer or sale is ap�roved by the Morcgagee. Aogrovzl of a sale or t-ansfer w_=1 be given by the Mortgaaee _' all of the =ollowing conditio.s a=e met: a)t'r._ buyer assumes *_hz cbligztior_s oE this mortaaa=, _ncluding the ex2cution o' an Af�idav�t of Agre=ment co ?iom=stzac 'o- the balance of the riomestead Period: b) at th= time o£ sale, c:�z Mortgagee �s paid the a^ou.c dne under trie other provisions hereo= governina Division of Pron=rty A�preciation. 8. Not to lease, rent or otherwise use the Prooe_ty fo: the �roduction o� income during tne =omest2ac Period. Nothing i.. �^is cov�aant sha11 prohibit thz Mortgagor from r=c=icing paymerts 'ron m=mb_rs of the Mortgagor's =amily ir. compersatio; =or room a�d boa=3, so iong as no�tgaaor occu��es tne hom_ as fzmily rzsider.c_ as recu_r=c herein. �. _„ �av tne a'-�-` °= t=e =c:oz': amourc o'_ �__,. -oz- -" ='._ event o_' aa breac: o'_ t___s :�lorcgace w::ch naa ro= nea: cu_=d �.._�___ c___rty (30) davs N__�c_= =o�-__ co �:cr�,-� -, --. __ �_ �___ xcr_,agee -„--- "-c----- _---- - _., --' .,= a- - �_�aa_c �_ 99-��sy 12. Not to mortgage or permit any lien or other encumbrance to be placed upon the Property during the Homestead Period without written prior consent of the Mortgagee. Nothing in this covenant shall prohibit the Mortgagor from executing'a purchase money mortgage to which the Mortgagee shall consent and sha11 agree to subordinate Mortgagee's lien to a superior lien o£ the purchase money mortgage; 13 14 Not to use or occupy nor permit the use and occupancy of the Property without a current Code Compliance Letter and/or Certificate o£ Occupancy issued by the City of Saint Paul; and, Not to use or permit the use o£ the Property for any illegal or criminal activity. 15. To use the Property in accordance with the uses specified in the City Wide Redevelopment P1an as adopted and approved by the City of Saint Paul in Council Resolution No. 277600, dated October 28, 1981, and local zoning ordinances as now in effect and as may hereafLer be amended. Division of Property Appreciation Definitions: Tne following terms, as used in this paragraph, shall have the meanings described: 1. To:.a1 Devzlopmen*_ Cost is de�ined as the Or�ainal Purchase Price of 594.000.00 nlus the original amou�±t of this securec 1oan; 2. �omeow-ier _=v2stmenc is d=fin=d as tn= Origina'_ Burchzse Price plus th= cosc c= anv canitai ��!nroceme^_ts to the Propertv made a`cer the date of this r.�ortgag=_ - ' - ' ? c �e� Sa'_es ?roc°eds _s d°f�nec as t_= 2CtL'2� sale nricz o� the property. ��oreciatio^. is de�in=d as the d�==ere-ce betwe=r_ tn=_ Net Sa1es Proceeds and c�e Hom=�:r�er Iavestm2^*_. A� the tim� o= a�� iirst resale o` the Property durin� *_he �:omestead Period or z=ter tne Eomzstead Per�od has exnirzd, Mortgagee sha11 be oaid an amount ea��al to t2e annreciatio� multiplied by the percentage decerminec =rom div_d'_ng �h= o-igiral amount ef c_.is secur=d -oan by che :ocal Development �ost. __ ^HE MO�ir=G03 s:all oay ti?° Mortcaa=_=_ th� principa� aTou�[ o� the Loan or _= t^e Mer�gago= s: aL usz and occupy t'r._ ?ro�2rty as nerso.^.al glace o£ _>_s_dzncz -°= --._ _��=s�=_ad ?_�z°c °= — c"- '4o==gaao° s�=�_s or t-_ansiers tc pe_sons .�__„ s^a= �.:s=_ G__� eccu�, c__ Prope=c�r as perso:�= _=G.._ o' _2sid=nce -„- "'s =.....es�� ?�__.,.. �___ _..� `-:ortcaco_, s__�=_ssors a-.. ass';--� sha11 ao� .,_"__rv_o_ .,__..,`__ '"_ '__..._, -..-.._�=.,._n d__.. ._.�._ c__n .._ _____ �:C_=, , CP2' --= - -c� ___ __....._-_ "- --e _"__ '--_-- "= -="_c` -- - ---'--__-- .,-:__ �:e _.. _ ----�- --'^ -_ --"---__ - ' __---_--"- -"- -=-�- -- -'s`r.a=a=c __-"-"- '- --= -- =--- _- =-__ -a- ..- '-._ r �_=' -a= _ = ---- cn=_ 99-��s � obligation to repay the principal amount of the Loan shall be reduced by FiVE THOIISAND FOIIR HIINDRED and No/100 DOLLARS ($5,400.00) until fully discharged at the completion of the Aomestead Period. The amount reduced each year during the Homestead Period will not�be used to reduce the Division Property Appreciation, iE property is sold before the completion of the Homzstead Period by the original purchaser or iE the property is sold a£ter the Homestead Period. If a breach be made in any of the terms, conditions and covenants herein, the Mortgagee may declare the principal amount of the Loan due and payable immediately, and TAE MORTGAGOR HEREBY CONS£NTS TO AND ACKNOWLEDGES THE RIGAT OF THE MORTG?�GEE, AT MORTGAGEE'S OPTION, TO ACT TO FORECLOSE THIS MORTGAGE BY ACTION OR ADVERTSSEMEN`T PURSUANT MINNESOTA STATUTES CFL?aPTERS 580 OR 581. A POWER OF SALE BSING HEREIN EXPRESSLY GRnS7TED WHICH SAALL ALLOW THB MORTGAGEE TO SELL AT PUBLIC AUCTION AFTER SERVICE OF NOTICE THEREOF UPON THE OCCUPANT OF THE MORTGAGED PROPERTY; MORTGAGOR ACKNOWLEDGES THAT SUCH SERVICE NEED NOT BE Mt1DE ON TAE MORTGAGOR PERSONALLY UNLESS THE MORTGAGOR IS AN OCCUPANT OF THE MORTG.'�.GED PROPERTY AND TI-L8T NO HEARING IS REQUIRED IN CONNECTION WITH THE SALE. MORTGAGOR EXPRESSLY WAIVES ANY AND ALL RIGHTS TO PRIOR NOTICE OF SALE P.LTi.J ANY AND ALL RZG?-ITS TO PRIOR IiE'.1RING IN CONNECTION WITN Tfin SAL3. OUT OF TNE PROCEEDS OF SUCE SP.LE TAE PRINCIPAL PMOUNT OF TAE LOAN S?iALL B� 9AID TOGETF?ER WITri ALL LEGAi COS�S AND CH.ARGES OF FORECLOSII?2E WITH M�XI�.viL'hl ATTORNEV�S FS�S PERN7ITTED SY LaW. IN TH5 EVEN^ 0. DE?A'u'�^, N!ortcaaee, _� it int2nds *_o foreciose th'_s Mortgage, agrees co giv2 Mortgagor writ�en nocice b_y certi=ied mai= co the address of che mor�gaged pro�erty whic� snall specify: _. The natur=_ o� th2 d2faLic O'_' L]Y2cC: ; Z. TRe dCi.10= �2��1_'_'2C i.0 .^.11='E �."!_ QZ'ZL'IC O� .�"iT-'E"dCP; 3. A dacz, no _zss �han 30 days =rom thz da�e o` no�ice, by wh�c� d=fault or breach mus� be curec; _. Ti'nat iailure to cure zs sp2ciiied may result �n _or=closure; S. Ntortgagor's r�= to r_�astatz subs�au=n� co cor�mencemzat o'_ the actior_ co `oreclose; az=, 'o. N'.ortcacor's rig^_ to br_nc s��c to asser*_ *_^e r_onexiste^.ce e' a de£ault or breac� or �.. _a:s� a�v o[n=r de`e�s=_ to °or=c=os�.:re azc saie. ::03??=�03 ?_C?JiCw-3�G?S _ __' ' '_., _5 =_ __` _ DOC��LV^ =J,� _''_'_ 3=?C== SIGNING ••G3TG?.�:03 =._ r�-.== :,_-:.._.__OC: _:_n -n��'.S =\� �C��_"OVS _�..�=ti, __\� _:.� �IGY^_S :I==�c.., r_H�n3c ?�� "n _"n.._ .,= S�C= ,,:=.3� �:? ==.5 �.�.:..__ _�.;-_ �..�'�S3L TO _"__'_`: �.:' '_r.'.' _"_ '�:�_--,._:_. __..-_' -�� _'_ r ..r 5�_' __r".. q�'-35 J IN WITNESS WHEREOF, the Mortgagor has caused this Mortgage to be duly executed as of the day and year first written above. (MOrtgagor) STATE 0= MINNESOTA) ) COUNTY OF RAMSEY ) The �oregoing instrument was acknowledged be£ore me this day o' , 1999, by Notary Public Drafted by: OFFICE OF' THE CITY ATTORNEY �00 City Hall 15 West Kellogg Boulevard Saint 2au1, Minnesota 55102 � v�i � �� 95i?5' �Z��9) � . � � t � � �,. , � �� : �,: - ,: � �, � � � ` � SZI3�N�S 3'O Q�Q'IY�t?IH N�d �iIHS'?I�SY\I�;Y�I �NO ;' �, ` I. "� I � i , I. � I�� '1 �� i � � a� �. . _ ,_ � � � _ � _ �SPARL:�� PQ �oX 1633i ' � � � �� ° � r ° ��` � t 5 . _� . 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W %`� a �t �/� � �� h';I z ` o e �`� � o r y ° I i G ��:�� o � v y >. � � ro o � m � � ��.': y A m o o v � R �n .� �' � v, � P, � .� u v 'd � u �n o C v C' °� ca ��`a .. '�d no pr O OJ `,�. U� Q� � O Q � ia O�.� v� y 1 qp C'� v C p "� �n ,� .uQ > G ,-�. �a F� N 4,C N �' J. ,1] 'LJ R ~ �L E 'd N N U -+"�+ � y m v o o� a" o v u C?��.n� 3 °�>;-� c��i, � q�° k aGi �' a S=' d'C � � � � v R o 'C °� �� .0 N �..v+ Y N v �, �y+ E�� o P. z ro a Y r. o� � v o � v o"i � td ,� cs v �� u C o a�i R. O �. N o �... H o u.0 3�o .. a v� o� � � FC 0 H � � � V �. N � �. � � � � � � � � ti � M � W H �O N z '� � N � 0 ln � N O H -� .. M �o � � � �D N v � � J+ N r. .a a P7 � u1 � O � C � � U O �"' N � ❑ �' N ^ O . w x � � � � u R P+ R �a w v a 3 �; O � W x F� w O W V w W � w x F+ � x 3 � v � ,r p� .L v N " o � ° o v u � �n ❑ � � � p O O K b � � � T � A � O u pp � N P� N b � t. � aA�x p q o F " O ,L' � � ''�' Y CJ M � � a � a G � P. d � u �u b .0 0 � 3 O � u .�+ � u N � � N �� d� u "� G� � :J u �� ao v C C C � � � 2 � �� a� T � �o c; � � v � .`�. O � i _ _ ___ ______ Dear Wo+i�1aY w wd�s a Y� usipbburbood bsttar `�'`�� OROAN AREA COMMUNiTY COUNCiL 1a19 Low�y AwaYS North Mbw�puYs. Nfw�sNt� SS411 t61Z) 521•5436 Re Propsrty at: 3017, 3019 FraJnont Ave. North The Jordan krea Community Council has launched a major campaign to bring poorly maintained properties up to naighborhood standards. At a recent neighborhood block meeting your property Was idantified as one of the neighborhood's most pobrly maintained properties. The complainta includa: 1.' Front door is missing 2. Garbage loose throughout yard 3. Iawn is not maintained 4. Exterior paint on tiouse and garage is cracked and peeling 5. House and garage exterior has trim boards that are rotting or missing completely 6. Shrubs are overgrown 7. Retaining wall in front yard has collapsed onto sidewalk (continue� other ide� The campaign to bring thesa poorly maintainad propert es up �o eighborhood standards was kicked off at a mejor communitY Rai ville a d WhitaY The residents; Mayor Fraser; and Council Members Hilary, officials committed to using every legal means neceasary to bring poorly maintained properties up tha standards ezpacted of everybody else. JACC� the City, and the block clubs ara cooperating in thesa important projects. We ur�e you to joir� us in improving the Jordan Neighborhood. We are referring this uiatter to the Inspections Department to ensure their prompt follorrup � the property. Information on rahabilitation grants and low interest loans is available from JACC at 521-8436• Sincerely, •.�ii� sirs. �o.+..�a�oO+ kwr �oao�w �a�+ co�uarunr couNCa 1i�9 Lov�� Avwr Noni M�a�olis, lli�ao� Sb421 (6t?J 5=�-i4ii YES, I will he�p JACC's "Dirty Zhirty" campaign.ta fight problem absente� landlords: I will; � ...�.Hei�, li�ne np a�ting on my block to pick.t�ouse<s) •for "dirty thirty" li.st. ��. Get invalved in the ,TAOC Isseres Cc�ittee. G9-�s� !� �Pass out f lyers oa two blxks so my neighbors will ia�os�r about the �y chi�y �. . . _� Type letters listiag block cozbceras to t�e sent w�-oi�tem abs�tee ].aixllorda. . . . 1�tAl� ' � � �.�ati Qwstimt aod Comrntsi �_ ,�► a: A: �, , . �� 9��sq Qu��►o�lsA� S�� s� 1R � 1R HAVE T'dE "�IRTYTHIRTY" HOUSES :SLREADY BEE CHOSEY? iru: ill airty inirty" nouses Will be cnosen at .iACC sponsored 61ock meetings after the January 24 Public Meeting. Q: w'HAT C'.Z?E.RIA MUST A HOUSE '!EE? TO BE ADDED TO TFiE "�IRT7 THIRTY" '?ST� A: e nouse must oe selectea �arou¢n a oiocx meetzng, �e priva�e absentee Landlord owned, and have at Ieast one aousing code violation. Q: HOW C�V +R' BLOCK ADD A HOUSE "0 '*�TF "DIRTY THIRTY" T TST� A: Sign up to notd a blocx mee�zng ac tne Januarq 24 meecing, or by =alling the JaCC office at SZI-8436. Q: WILL .:�CC i-IELP WiTH MY "DIRTF '"!IT�T'Y" 3LOCR MEETIVG? �: .�eiore cne meeczng, �ACC xiii pass out tlyers and doorknock :ouses to heip insure a good turnout for the meeciag. At the meeting, JACC wii: =xplain the "Dirt: i?:irtn" camnaign and !�ov cae block can add a house to the _?st. .�fter the meeciag, J,1CC wi11 keen all peooie attenaing the �lock meeting iaiormed of deveZop- ments. THe block wi1l monitor imnrovemencs made. Q: 'dFTAT �flES THE JANUARY 24 NEL�'T'?SG :iAVE '"0 DO WITH ?'?iE "�IRTY THI�?"_"' ^ _a1�lPAIGY? A: ur e:eccea oziicials, �ae r.ayor ana �ounczl .emoers, sirect c.t: agencies sucn as iaspeccions, :he legal denartaent, the police and o[hers invoi:ea in the dav to day =*forts to get proolem pronerty cieaned uo. This ma�or �u�1ic meeting wi11 demonscrace to officials �7at �roolem aosen�ee lanalord housing _= a maior concern to t^e .:ordan :leighbornood, ana to ootain a committ-:ent ?rom che�e oificials that every s*_eo necessary wiil 6e �aken to insure that these houses ar= �rought uo to code. Q: WHAT '.iLI. 3E DONE [JITH ?'� " T' T Ic�r'? a: JACC :ssues Coamittee researcr. ioimd that a syst�n oi tickets, �'_::es, warrents tor arre�cs, and even jail terms are already in place �o force prooie� aosentee landlords to f'_x uD their property. However, �oo otten orobiem nouses ge� "iost" in the over,.roriced bvreaucratic syscc-m. Bv zaining the support ot Cit? oiiicials to �aice tne "�irty i.:i__y" list a oriorit•, ana w�.e coRmittment oi neiQiicor� to roilow ua on t:�eir pro3ress. ::;CC will uroric wittt blocks to force landlords to orin3 "Dirty Tnirty" List houses up =� code. Q� T� ��T�VME^1T OWNm kOUST`G �TG'�LE ��R �iE LT�'I'? a: V0. ::e �mow nm-down gover.^tenc owned 'nousing is aiso cited by .�=idents as a major nei�:�orcood DPOD12R1� but the strateQy ror �oinQ arter the gove�--ent as landlords is cii°>rent than that ot private Iandlords. You can't throw nt� :n jail. The Issues conmittee decided it :�as cest to imorove orivate landlorc �rooerty first, and _=_n deveiop a difterenc strateg;� ofr nm-down �overnment hc*.:=ing. Q: 5�HI' =' � aknaT F*f 4BSEV'I�E I,�`1DIARD PROPERTY? :�: JACC :alked with hundreds oi nousenoids, met with 3locic Leaders. and block groups, anri :.as gotten feedbacic at aenerai and issues camuttee meecins_. croblem absentee landiord housing has reneatedly been identified by residents as z con concern and f:TMa ^= ��scabili2ation in the neiQhborizood. �0 Ca�'' ��. �"��w l��r � � N YO�IRNE1 G}1�1�1JDr , � �� J�� q�l-�3s 9 �!�wsr.�� oF T-� .roxna�v a�a ;,��rn,�vrrr cccnlcu, JAIViJARY 1989 FIG�T PROBL�1 ABSEN LA�TDLOR.DS .' � , � �,N ��z- T �(,� CK OF� ��c - � iR^ "/ 'r H+R' � C ��"�PA16� _ � � � � � �- � � ��:�� . � �UES�AY, �t�� . 2�: � : �� S�, ��ti�E. � S .� _ ��Ul�t' � _, 2�� ue`� ��rE � �� r5 � eCT� no ,, , � '�t- t� �af��K °l i "�i.e vor a.a+� Gto%�f�ori�OOaC �� ?QThG/' � � , l� ��D/� �Or ±i+Q �ii��r�rjV �wrt,�Cll4rt. � M_4YOR DON �A,S�? � [�1vc�L �� c,��, . Y 'CL�ICIL `�!�'.BERf�LZC� �. �i�iB�UAN r,�.H�' = :35 CcE.^. _7L�3Q1R2 C.'7COLI�iC10llC �'� .*.�lc'Ll- a:oa ct - :�:.'_ ;;ZR"IY =:IRTI �,. -- a �e �i:ry �ir.y 3L2�Y G �:cALZLV cRQ Z.:.DrOVE C.'.� �'.��:V ' C2tiR?31�: :vZll �:-0V2 SOII�idLG :A ::'O �-iases over �'lE "-.YC .:.OIiLh fi[7Q d C,alL. SL 'a0.48 iar,dlora owned �r�:.�=__es iA =^.H �;�_L. :.'I8L'8 �'lll .�'.2 d "..: 17 r.e�:c�c%o ::IE ti1CK-OLi �: "IS �u- � -::DL1C .:�eci:.� pI1 ' .;3I1t2dT:' ?µCll C,^. 5d1R ::.= S:IDDOLL JI -. gA ::Lli :2�:,EL1 uC n CUD11C ::E8C1'Z .:1 ,i3IN3=V OCL :•:•• _ :� '.Tl2C.Z :1��. :''3VOL :�2SEr. =.'IQ �1II1- � 1S LOr :hE C.i�.'iLa�<. �:12 i5SUE5 Ca�cmit:_e wili asic ccac "-t•: P.�ir:v�' --�-_ :.emoer= ��rv, :ainvillz, .� ;:ni:: .-ave oeen erras ;,e a�are� "� _ � ' iLea. =:ority ;roole�s coori.i:ccti: <:� the neighborr.00a a:,a a�tEndin: erai .:ee�z:as, oiocx ciub 5a�ner:-�, and J�CC rc -ee�:-�s, ..^.e .iaCC ��sues :::.:ni._ e :nemoer: rred �-aL -ei�noomooa peooie _�eat:t�; �rob- 3DSERL:2 _aL7Q10rQ ,^,LODErL�25 d5 _ _:3Q1I7Z 32 Ot = C�:ERIS dRQ Q2aCd0111ZdC_C.^. S1 L^.Elr :es• .:a =a-mutee cnose �r.e =_r ��ir=v :aicn as a ::ay co C3L::LC ::lE '+OL__ ,..^. xr�ies. i�n .;anv __nai�ras are nara::orx_: z �e�oie wao � �ooa :.�ce oi tneir �roperc_=_s a..a :.arx ::IIH •= Lc�L122:�9, �.:DDIEtA :10.SELiCE°_ idGCiC �s are .aer scc�:. �z c.e ,,oraan ne�anor-;cc. ,, .i � � ; ._ secc.-d cnase rescs _- :;a nanas oi resicencs :eonie are encouraqea _., :,oK arocu�a G'ieir own oloc:c: '_s chere a=_�xrcy chac snouid �:.EC4'7E 2CL OL ChE I]IL.': :11=.y' 11SL: `;�'j't,; TO CUdl'atl�� :.~e OL'O.'..E�_': - �S� � absancee ewnea, ana a neecin2 -..:s= :.a r.eid c.n the blccx _� necea:une .ne�-_� _zis i; a oroo- '-�n :... �Ze ent b1GC:;. � -�CC .iCdIL DEODlc �zil ��_:� flyers ana -s,� �ooricnocx on your ciccx _' fou e:ould liice :� ;zil a bla.k n�eec- in3• �.ocx 3rouas wii; a:so nein ;nonitor 1tLOLOVE^.IfRCS made cn G'.c �:7�RLLY QUL2[L;, [.^.E .^.3111D31Z:1. � � *i 99�� APARTMENT PROPERTY TAXES Prepared by Jack Homer Minnesota Multi-Housing Association 612-335-3511 1-27-99 INABILITY TO BUILD NEEDED APARTMENTS IN 1VIIl�TNESOTA CREATES CURRENT AND FUTURE SHORTAGE • Approximately 28%ofMinnesotahouseholds live in rental housing, and about 1/3 in the Twin City Area. • Economic growth, demographic factors, welfare reform, etc., create continuing demand. • Current apartment vacancy rate in the Twin City Area is about 1%. Evidence indicates a very tight market throughout Minnesota. • We aze falling behind by several thousand units per year in meeting the projected needs for new apartment construction. HIGH APARTMENT PROPERTY TAXES CAUSE RENTS TO RISE. ADEQUATE SUPPLY KEEPS RENTS STABLE. • Rents rose less than inflation during 1986-1994 when there was adequate supply. • High property taxes cause rents to rise according to a 1993 study ordered by the Legislature; Rental Housing In Minnesota: 1990. • Minnesota tenants pay 65% of the property taxes according to the 1997 Tax Incidence Study. MINNESOTA'S PROPERTY TAX SYSTEM IS A MAJOR CAUSE OF THE APARTMENT SHORTAGE • Minnesota is alone among the states in this severe shortage. .. ,� . 9r �� y. NIINNESOTA'S APARTMENT PROPERTY TAX SYSTEM IS GRADU- ALLY MAHING GOVERNMENT THE PRIMARY FINANCIER OF APARTMENT CONSTRUCTION • In 1998 aparnnents paid $229 million property tax at an effective tax rate of 3.8%. At the state average effective tax rate of 2.24%, apazhnents would pay $135 million. Therefore apartments overpaid $94 million relarive to the state average. REFORMING THE PROPERTY TAX SYSTEM IS A GRADUAL PROCESS • It must be continual. • It must be significant. • In 1997, the Legislature reduced the apamnent class rate from 3.4% to 2.9%, a 14.7% decrease. Actuai taYes paid by apartments in 1998 dropped 8%. • In 1998, the Legislature reduced the apartment class rate from 2.9% to 2.5%, a 13.8% decrease. Actual taxes to be paid by apartments in 1999 aze estimated to drop about 4.1%. 1999 GOALS 1. Reduce apartment property tax rate to 2%. 2. Expand delayed assessment for apartment rehabilitation. 3. Extend limited mazket value to all properties. � � � a� � � a� � � W �/ � �� V 1 � � � � � � � � � � U � G .� � Q C .� � L � � � � � � r � Q \ � i 0 � � �9 ��s 9 � � � N � �� y � r � � � � � _ � � � � _ ■� 0 � � � � 0 � �_;: {:: t'; - r:;' �; �; . ;, �; "�;�. ` '{; �,��. _ F , 0 �, �� M � o • r \ 0 o p � ,�. L!') o \ � �> � � O � � � � � t0 � � � y.+ � o �. � o � "'' � C.� .Q C � 4 � r� � N C L O C� � � � i . X � � N N � � V W � � � R � d � � C R � t� .4d = � L � � � � � 0 � � � � a > � � � � �� ■ ❑ ,� � _ � �9-�� y W .� � W � !"'� � l ��"�i !�y �V r � ^ �/ < � � � � � � . 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PAUL : DAYTON�S BLUFF L ndale's Lessons Y A commt��iity organizerfrom the Minnenpolis neighborhood i.s brirtgrng hi.s fnr��iu(u fol- positive communiry change to the Dayton's Bl�iff urea of St. P�rtd. is is a neigh borhood wher people ca Find a sense o involvemen and feel the are making a difFerence, says Joe Barisonzi, executive dirnctor of the Lyndale Neighbor- hood Associalion in Minneapolis. Wilhout a sense of community owncrship, any grandiose plans for redevelopment or revitalization will collapse, he said in an inter- view last w¢ek al the offices of the association, which gets much o( thc credit for a turnaround for the once-troubled Lyndale neigh- borhood in Sauth Minneapolis, I�or six years, property values in th<� poverty-plagued 54-block neighborhood BY 1�ARL J, Wenl downhill 1�ARLSON until the trend eversed two �i� �jears ago. ��i<ui u Crime was a part of life but has now waned, and millions of doUars have been invested in develapment. f3arisonzi does nol take credit for all the progress. "I.ow interest rates has much to do with rising property values, and a neighborhood organization by itsclf cannot do everything,” he said. "To succced, you have to involved evcryone." Rul last year [�arisonai and the I.yndalc Neighborhoocl Association won a $100,000 national award from the Uo Something I�'ounda- tion. Now several Sl. Paul neigh• lorhoodx �rc U,ying to tap inlo ume of this su, cess. .lohn Vuughn, community orga- 2fi;n s�: N ✓+ y N ' �� a �','� ,�:�`gro:�.�.r� �+ � � ii7� i� a? � S ' ��. ��^'L1.d"i.�: ,... ��,..�.�,�».�...��,�.�.�� ,.,.,��,,.� ,:�L..":.., "" lakrSt F � y �� ;, 315' SI 'seh� nizer for St. PauPs District 9 Com e munity Council — the Dayton' n Bluff area east of downtown f said Barisonzi is working with th t dislrict and community council y members to bring his techniques to St. Paul. "He has proven solutions. He has accomplished something," Vaughn said. Financed by a $5,000 grant from the SG Paul Cos., the Lyn- dale Neighborhood Association staff has worked with Vaughn's group and the Merriam Park, Thomas-Dale, Lexington-Hamline, Snelling-Hamline and Summit•Uni- versity community councils. Most of the work has dealt with making block clubs successful, but Vaughn wanted to get more out of the relationship. So did Barisonzi. He said peer-to•peer training and having volunteers from the two cities meet make them under- stand that they are not alone, that what they are doing and what they face are problems and solu- tions that others have faced and used. Vaughn and Barisonzi said Day- ton's Bluff has some of the same problems Lyndale faced, though probably not as extreme. These include probiem properties, crime and flagging citizen interest. "We have 45 block clubs on the books, but only 15 of them are active and only about half of those are doing positive things like oega- nizing cleanups," Vaughn said. [3arisonzi said block clubs were originaily created by police to help fight crime, but he believes they can do much more. He said a serious problem with the clubs was burnout. One person was des- ignated "leader" and eventualty A tale of two Neighborhoods 32n0 SI � �.� :°; � � ,., � � 33iU St " ' lyndete � " ;; School 3ath SI. . � "' LYNDALE � �� .��;�. 35th St. � �g NEIGNBORNOOD ; � �_ 361h St. +�fu? LYndaH � '' dNdl �r� 11h detall araa "�� ;� � DAYCON'S BLUFf '''`;�'' NEIGNBOaH00D / � PIONEER PAESS - all duties fell to that person. s "Picking a leader was like say — ing, 'Who this year is going to e spend all their time at this?' " $arisonzi said. � To avoid this, block clubs in Lyndale have "contacts," not lead- ers. The clubs also have "con- tacts" for specific topics such as crime, safety, arts, education, environmental issues, and youth and family issues. He said that in 50 of the 59 blocks in the Lyndale neighbor� hood, there are at least three "contacts" — meaning a grass• roots organization of 150 people willing to help. He said that because each deals with one topic instead of everything, they don't burn out. "It means, maybe, four litera- ture drops a year instead of hav- ing to go out every nighf with the safety patrol," Barisonzi said. ' This works. It is sweet." Vaughn said Barisonzi and his staff have advantages when iC comes to helping Dayton's Bluff. First, they have proven ideas; sec- ond, they are outsiders who can say things and propose ideas that may be counterproductive if they came from Vaughn. They can say things withouf suffering backlash," Vaughn said. 6arisonzi said Dayton's Bluff has a lot of natural attributes — like its geography and street lay- out — that make it ideal for strong neighborhoods and organi- zation. "And there are lots of commer- cial pockets which form centers of neighborhoods," he said, noting that the pockets can be used to test organizing programs. But Barisonzi also said efforts must be made to engage all seg- ments of the community. He noted that at several meetings lhis month in Dayton's Bluf(, there were few renters and few young homeowners in attendance. "These peopie are assets and part oF the community. They need to be involved, have sense of ownership of their neighbpr- hood," Barisonzi said. "There is a greal alienation with the federal and state governments, and peo- ple see city government as too complicated and too controlled. It is their neighborhood they con- necl with." Karl 1. Karlson can be reached al kNarl• son�ploneerpress.com or �651) 22A 5260. � 9q �s y � io¢ oocn i�, v u, ��. ��: loe Badvonzl, executive dlrector ol the Lyndale Nelghborhood Assoclatlon In Mlnneapolls, is shariqg his knowledge wlth community organlzers In St. Paul's Dayton's Blufl nelghborhood. "He has provan solutlons. Ha hae accompllshed something," says lohn Vaughn, organiier lor the Dayton's BIUH community councll. � N'O �v v w �e „• �. a c ,.3 ,�.,, 'O > > /D � . 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The purgase of tre meeting was to discuss ±he costs of development with homebuilders end finaaciers. The goal is to find ways to make the homebuilding process more attract�ve for deveiopers. Invited guests incl�;ded pzvate an� non-profit hnmebuilders and finance sgecialists. In ATtendance :Ylike Olsan, St. Paul Area Associatioa of REALTORS� Ed 7ohnson, �Vest 7`� Federation PauI Schmidt, St. Paul Associatien of Resisonsible Landlords Jeff Petarson, St. Paul Chamber of Commerce Jon Cruumann, St. Paul Public Housing Agency Steve Johnson, Minnesata Multi-Housing Assocfation Karen Christofferson, Builders Association of the Twin Cities Dave Thune, City of St. Panl Housing Information Office dohn Periard, SY, Pa1 Area Assn. o£ REALTORS`� Guests Kashy Lsntry, St. Paul �Ciiy Council Jer.nifer Billig, St. Pau; City Council Staff Doug Kampsen, irwin Mortgage Kit Hadley, Nlinnesota Housing Finanoe Agenay John Mathem, Mendota T�omes Greg Handberg, Twin Ci�as Development Corporation Unable ta Attend pick Anfang, Building Trades Matt Anfang, St. Pau1 C;hazriber of Commerce TouMoua Lee, XIM Metro Realty Pa�rick Loonan, Capital Ci1y Parm�rship Gtoria Bossia*_n, Fannie Mae Minnasota Rod 7ohnson, �Jilder FaunrlaYion IJick Zehring, Weish Develogment �ohn Periaed gave background or the reasoning behind craatiag a housin� gouF and its formation. �ave Thu�e alsa gave information on tfie gzoug's goals and meznbership. John Mathem stressed th� importance of Council s�.�pgort in the develogrm�n! process. fs"e out�ined the �ro'�lems ovsr dcnsity issues, and that density was always a negative wiih surrounding neignbers and businesses. He has been able to successfully bui3d homes becausc the hoz real estate mazket has sustained the cost of devslopment_ h"�FIFA has bern fi:nancin$ new construction of rental in ihe suburbs. In Si. Paui, much of tae;r financing has been for rehebilitaiion and home ownershig. ICit Hadley se�essed ne:ghborhood politics as an issuc in building new construcrion in the ciry. She aIso recogni2ed a void in the ptivate marke: far new canstruction a�-�d feels tFat economic growrh RPR-27,-1°99 14�11 ST PRL'L ARER REALTORS 651 �74 1177 P.P�/�� . . ; �9 3�s q is the key to affordable housing. Empioyers need to iook a*. housing issues for employees. Someiimes expansion decisions of private business degend also on housing availability for employees. Gr�g Handberg re-iterated the density issue and the problems with `?vi_^.�by-ism" (23ot in my back yard} in t�e City as compazed to the suburbs. Tennifer $illig outiined the complicated cify process for development (i •e cemmunity groups, city licensing, neighbors eta)_ She felt that the process was part af tke problem. Karen Christofferson re-iterated the problems with density issues and L�e problems created when public policy meets w�ifh economic forces. The polirical process in tAe city ma3ces development difficuit. There are increasing pre�sures placed on city councilmemoers in all directians. What can be done about the bureaucracy and how can our goup botster the political will for development. She a3so stated that the affordable housin; groups need to help with overcoming density issues. John Gutzmann mentioned that there are aboaz 4,3001ow-inoome rental housing units in the city. Jennifer Billig felt that people with capital arzd controi capital have to have a voice and say that we need mofe housing. Kathy Laniry mantioned the frustation which comes when one persan in the community can have the power to stop any initiative from moving fonvazd. She aiso stated a frustrativn with people who do not recognize a housing crisis in St. Paul. Dave Thune felt that I3IMBY-ism isn't al�vays bad, especialiy when development daes not stylistically raeet witti rhe surrounding neighborhood. Need to look at design:ng areas that are in sync with neighborhood. John Mathem is itnpressed with the number of Bsby-Boomers moving back to 5t. Paui. I�e receives phone ca11s from the suburbs every time a naw developmen*. is e�er. suggested. His suggestion is to heve Councilmembers be mare adamant about the neighborhoods working with developers. Jon Gut�r,+a++n felt that the �+t,TOtt couununity could play more of a role in Yhe home buitding pracess with the community. John Periard gave staristical information on the aumber of homes availab'e in St. Paul. He felt the ksy io addressing a rental housing shartage lies in moving reniess intc homeownership, whieh frees-up rental uni�. Steve Johr.son said peopie who wa.�t to do deveFopments of renta? in St. Pal say that it is not economically feasi8le. Tazc rates, fees, cos�s to build (i.e. s�eet rock). T}aere way mention of a naw energy code goin�; into effect on July 20, i999 RPR-21-1999 14�12 57 PRUL RR€A RERLTORS 651 774 1177 '' � 7on Gut2mann is pleased with Minnesota's strict building code, which helps with quality compared to other parts of the country. Jeff Peterson mentioned that the Chamber was working on a survey of inembers in Midway and East Side Chambers on affordable housing issues. The meeting adjoumed at 1;30pm. FOLLOW-UP: Dave Thuae is John Per available to on .�:1 P.e4ieC q� �� y TOTR� P.9= APR-02-99 FR[ 11�20 ST FP.UL ASSOC OF REALTOR FAX N0. 6127741177 P.O� �� How car. we idcnti�r gn�-fiuidi�g sourc�s that couJG ma:ta new constrvction oi housin� realisac for developer.? Are there ways to snnpIify the process of creating new housing in the Ciry? �tihat can be doae about the _t'inancia] bFSriers to c:eating the aggressive aumber of new units being propu�cd by the Ciry, i.e Soii conditions? How can we make ihe crearion of n�u� ? in St Paul an acrractive investmcnt for potential devcIopers? What products arc available in Lie private Sector for Qeti�elopzrs of housing'' What resourczs do hous�ng financiers and developers hava at the City? What housing styles are most wmpatible with aclieving tl�e City's housine goa!s? VVI�at are the financial implicarions of:ehabbing existir.; hoL'sing, raYher thttn biulding r,ew? �-Tow can the Ci.y assist devatopers and financiers in the achieving its hoLSing goalsl �� Rq3�9 HOUSING INFORMATION OFFICE Services Information Resource: Provide service to PolicyMakers, other agencies, and the public by making available information of interest either by compiling it internally or through links to other information sources. Provide info to others tLru publications, newsletters, W W W, fax. Demographics Market informarion Forecasting Technical assistance to homeowners and property owners finance neighborhood factors city codes and regs social services loan and grant progams Housing Counseling: Provide one-on-one counseling or personal referrals to individua[s. Housing seazch and placement Credit rehabilitation Mortgage foreclosure prevention Emergency shelter Metro-wide placement and coordination. Housing Link site Training: Pravide and partner with others to provide latttllord/tenant training workshops in Rights and Responsibilities. Whereverpossible, strategrcally target audiences to have better and more concentrated results. Achievement Plus neighborhood team Tenants Union - Tenants Screening Advocacy Project St. Paul Association of Responsible Landlords joint training and link to tenant advocates. Senior Housing Advocacy Group: Assist and provide expertise to advocates and providers ojsenior citizen housing. Assist them in conveying their advice to City policymakers and administration. Market Financial tools Impediments Private Sector Housing Review Group: Assist and provide ezpertise to advocafes and providers of housing. Help develop areas jor inquiry and assist them in iheir deliberarions and conveying their advice to ciry policyntakers and adminislrarion. Market Financial tools Impediments Partners: State Demogapher PED RamseY County Duplication: none: consolidates info sources Partners: Housing Link,Overnight Shelter Boazd,PHA,Tenants Union,Achievement Plus Duplication: Housing Link agencies, other non- profits Partners: Ramsey County, Spazl, Tenants Unioq Achievement Plus Duplication: Ramsey County Attorney's office Partners: Senior Federation, Mayors Advisory Council on Aging. Duplication: none Partners: Board of Realtors, SPARI,, Multi- Housing association, Fannie Mae, Chamber of Commerce, Building Trades, others Duplication: none �ti� gg �� HOUSING INFORMATION OFFICE Services Emergency Shelter: Assist and provide expertise to the various providers of emergency shelter and bansitional housing. Assist in developing procedures and policies to meet the need for emergency accommodations in disaster situations. Ovemight shelter Transitional housing Disaster assistance and follow up Disaster relief planning Fair Housing: The City oJSt Paul advocates and enforces a citywide "Farr Housing" policy to ensure that housing is sold and rented without discriminadon toward any protected class. HIO is currently working with the city's Human Rights office to explore a broader role in identifying offenders, and proactively providing training to landlords in the legalities and responsibilities they must abide by. Housing Development: The Housrng InJ'ormation O�ce will occasionally become aware of developments and development opportunitres because ofproximity to providers Where appropriate, the HIO will encourage and advise developers on known resources, programs and implications. HIO staff will advise appropriate adminisbation, agencies and policymakers of these communications so that jollow up can occur. Additronally, HIO may actively assist in the development ofhousing opportunities where working relationships are established and they coincide with city policy. Partners: Ovemight Shelter Board, Catholic Charities, Ramsey County, Dorothy Day, SPFD, Red Cross. Duplication: none Partners: Human Rights Department, other non-proSts Duplication: none Partners: PED, Aousing Deveiopers, Properiy Ocvners, Neighborhoods Duplication: PED until hando8' dt:04.99 qq359 � 0 in� Y.','Gd FO� .4c::" F.dc:�✓ �TULL51II� F'(llll7il Fnday. Februarv 12, iB99, 12�0o P,L{ L`x:ivcrity Club oF S!. Pasi Fre;Pnt were• Dick Ar,fang, Buildino Trades Matt An�ng. S:. Pa_�l C2,arnbEr c�f Com.merce Iia e�a Cluisruffr�sini, B:dlcicrs As�ociafion of the Tivtn Ci!ies E3 3ohnson, �Vest 7 � Fede:ation Rod Johr.son. «'ilder Po�r_dation Ste�•c 1c'rmson, Minneseta :vlulti-HouMng As;ociat�on �Iicitael 01sen, St. Paui Area A55octation of FZN;AL'I'(JRS' IoLn Periard, St. Paul .4rce As>oCi•siion o.`RFALTORS" Paul $chraidt, St. Pau; Associat.c,n u� Rcspotisible iandlords Ua�c Ti:une. Housing Inf'vc7nalion OCfice, City of $t Pat; Dick 7_.ehring. Wclsh De�eiopmer,t Crsest: Bob Kvssier, L�cansing and Loning, City oFSt. YauI Un::blc te atte:id w�re: Ciloria R:�.trnm fFannie Mae), Jo.^. Gutzmana (Public Housmg ,1�ency), Trn� A4oua Lee (H:v1 Metro Rcalty), Patrick Leonar. (Capit�l City Partnersiiip). Da�e T,:u�c gate sone 5ackground sd ze,sonine ou �Nhy a Uus.ncss;e;ity partne:sh�p couid be b_::C{ieizl ior howivg in St Pxul. He sited �he ncec `or lhe expertise o* the pricetc sector :n ine n,�using prccess anu in marketinG the Gty. ITe ;�ated that the meetiag's pu� .�-as to exptore �4hether busin:ss leaders agreec! ths*. sceh a^ruup cou13 bo:s;ez the housing ma, - kec. Th�e ctai� Maycr Co:eman's co:nnu�inenc te proc�LCtr�g Substan:i2liy riere housiag iu zL pr.ce renges to meet f�9e market. H : alsn eutG•�ed sare barc^ezs to new housin� being built in S:. Yaul, includin$ cons:ruccioa co�ts a;.d soil cenditiozs. LSichae; O�ser, ciscu>sed the Kfi.�L,TOF.S � commit �:ent to iacrc2sir.g hou3ing 0000Runihes. The :ZE•�LTURS� anreed w si2ff the grour �h i:h thc ass:stance of tte CA?y Housi laion:�a[inn Offic;; HoS Ke:sier Qa�e a presentalion en tlie Busincss Ke�iew Councii, a gxoup fecn;ed on creating � cltme:: ir St Pacl st:itan�e for !he cYrwth olbus:re;s t`'lr F�essler stated rha� �o-ne ,s�ues cxam:ac.i h.y t! $RC came fie�:i ci,y e!cpar:mcr.b, [hougL mam were $RC 1mti2t:se5. i�'�? �• J1F then c�ascussed :nc rr�,:ts o: WT.t1.*.111OQ 3 bUJ11eSS GJRSOli1llR1 YO �'�-'L'l'S� ��OUSIR_ issues TLc,:tzjo, O�au� aeld.�essed in t'te mec[int uere z�-oidt�; dunliCauO*�, Ce �mn� t��e �iou.*.': ScOpC, d.'ir' 3 di5CUS5i07 Or pOtc:iti�l lscues t.� addrecc :1ti�o!d1�� Dup;iCation 0 Al; ��ecd oa tI:e ncec to 2voi�' ovz:iappi;LR wiih tz'F.21 �t1-z- volunteer grr..up D2*LOCfi]Pd. 325'as' Ros°Ibwr Avenue • Saint Pa.i�, M� _cs� ;?_2p(b � x�.q Phone• 612!77q-52�5 • F��r: 612/77e_; 177 • Ne': wwwspecr.co:-� . — E-rnuii spocr�spcar.co^�. �,��a ��iiti�uis •or� x�� ao��a �� oossa �na� �.s ��so �n� 5s-e�-��_ °f R E A t T O R S" � , S A 1 N T P w V C A R A A s s o c i a r � o a oF R E A! T O R S� iho V.�i;:e fn.' R�n� �..• - �9- 3�5% S.:UpC � Ihe 2ro�? siied a need to hzve more persors im olved from f:nancial insu?ur.cr.s to deal wili4 ccsts of develo�r.ient. • Tha:e tsas generally satisfaer.en with ke:pine thc group at er about thc cu.;r,u number of members. o Conoensus n'as that the group shau?d operate indc,�, ender.tly� cf 2he City. • Mcrr.bcn a�, ccd on focusir.g tha �wyc to tl,rcc ot fuur isiucs, wl;icli ihc �oup wo�Id address Pote;�:ial Issucs Includcd. • Addreasing ihe costs of dev;i�ipin� hrnuinv in the City • Crcatir.g incc.�n:ives for developzr:°nt nrld pzopeet}• mait;tez�uicc. • Sireamlining the devel�Pmrnt pxocess. • Revie�ving buildine codes fo; developmen:. e (mpact of site acquisition and soii enrcxrinn casts Th: �oup agreed to keep mcctincs to a mir.irr.um. T�ave'1'hune and John petiatd a�,*reed tv ko over the group's 5ugtesUOns and contact them aR.er re� ie�v 8�� 'd 325 East Rose qw,� Avenu2 • So�n+ Pn�,', Mn 551 17-2Cx °none 612,�774-52�6 • Fax: 512/77d ?:77 - Nei: ww�,V.socc:.com =-mail. sp;:c�rCa?s;�car.co^� z�tt�t�zis �ori xd� ao.��y�a �o oossa ��ad �s � � r - b5: ao �n� ss-e�-s_= 1• SAINT PAUL HOUSING INFORMATION OFFICE �/'�J y HIO's Response to Problem or Nuisance Properties: As a HLJD-approved housing counseling agency, HIO responded to 8078 housing counseling requests from tenants, landlords, and homeowners in 1997, and HIO responds daily to problem or nuisance properties by providing the following services: Rental Properties - Tenants — Explains rights and responsibilities of both tenants and landlords. — Informs Saint Paul residents of e�sting HUD and other rental opportunities; — Provides emergency crisis intervention for utility shut-offs, emergency shelters, etc. — Makes Housing Code Referrals. — Provides Relocation Assistance to Code-enforced condemned or fire-damaged properties. — Provides supplemental Relocation Assistance to PED large redevelopments projects such as Lakewood Apartments, Selby Dayton Apartments, and West 7th Brewery Project; Rental Properties - Landlords — Provides Landlord Training Classes to rental property owners who attend voluntarily or are mandated by Housing Court; and — Eacplain the rights and responsibilities of the tenant and landlord. Owner-occupied properties - Non Rental — Provide mortgage foreclosure prevention counseling; — Provide home improvemem loan program information; and — Eaplain city ordinances, such as Excessive Consumprion of Police Services Nuisance Properties - Community Groups & City Departments — Work with community groups such as Lex-Hamline Community Council regarding 1247 Saint Anthony; Saint Thomas College - uaining students on tenant rights & behavioral issues; and Daytons' Bluff Acluevement Plus Program by providing housing wunseling to parents of children participating with the Achievement Plus Program. r, q�_ HIO's RESPONSE TO CHROIVIC PROBLEM PROPERTIES HIO daily works with St. Paul residents, property owners, Ramsey County Community Human Services, social services agencies, emergency shelters, Saint Paul Foundation, and Family Housing Fund to respond to problem properties by providing the following services: Tenant & Landlord Rights 3767 tenants and landlords called HIO in 1998 regazding their housing rights and responsibilities. HIO answers questions on tenant/ landlord rights, fair housing laws, housing code and methods to address illegal activities, such as drug-dealing. Code Enforcement HIO often identifies housing code violations, when explaining housing rights to Saint Paul citizens. In response, HIO explains the appropriate housing code and makes referrals to Housing Code or Fire DepartmenYs Certificate of Occupancy, as requested. Relocation Assistance -(Code-enforced Condemnations/ C of O Revocationl HIO relocates Saint Paul residents living in code-enforced condemned or fire-damaged properties. In 1998, the City condemned approximately 485 properties, which may have required HIO's relocation assistance. In response, HIO works closely with Housing Code, the FORCE LTNIT, and the Fire Department. For example, HIO relocated the 19 residenUfamilies living in a Midway-area building after the Police FORCE Unit raided the building and the Fire Department revoked the C of O. Similarly, HIO relocated approximately 40 residents so the Travellodge could close, as City Council ordered. When providing relocation assistance, HIO often warks with social services agencies. For example, an elderly Highland Park resident was not able to maintain his home. HIO worked with Ramsey County Adult Protection to secure the social services so that this Highland Pazk resident could maintain his independence and avoid the high cost of nursing homes. I� 19-35q Communitv Organizations Currently, HIO works community groups such as the Scheol DistricYs Achievement Plus prob ams by providing housing counseling services to address identified problem properties. The School District recognizes that stable home environments are needed to promote education. Simply, the Achievement Plus Program hopes to reduce student turnover by extirpating problem properties in the Daytons' Bluff neighborhood. Similazly, Saint Thomas College also recognized the dehabilitating effects those problem properties have on education, as Saint Thomas College recently requested that HIO provide tenant training to its college students. Landlord Training Classes HIO provides landlord training classes to Saint Paul property owners of rental properties. In 1999, HIO scheduled six landlord training sessions, and typically, 10-15 landlords attend such meetings. While HIO's training promotes the availability of well-managed affordable housing, HIO's landlord training classes directly responds to problem properties because Housing Court often mandates attendance by problem properiy owners. Currently, HIO cooperates with City and County Attorneys, the Police Department, Code Enforcement, and Human Rights Department to educate landlords on tenantl landlord rights fair housing laws, remedies, safety and health inspections, and methods to prevent illegal activities. Mort *4�age Foreciosure Prevention Counseling Since 1991, 2016 Saint Paul households requested HIO's mortgage foreclosure prevention counseling services, and 843 households accepted HIO's intensive case-management counseling. The Family Housing Fund estimates that the average cost of a foreclosure is $26,600, exclusive of any negative impact on the immediate neighborhood. Overall, HIO reinstated 495 families in their homes, and Family Housing Fund estimates that HIO's efforts averted losses to insurers of these mortgages in the estimated amount of $9.6 million. �RIGINAL Presented Referred To Couunittee Date 1 BE TT RESOLVED, that it is the intent of the City Council that the threshold for enforcement of 2 the City's "Little Davis-Bacon" policy be raised to $50,000, and be it 3 FURT'I�R RESOLVED, that STAR Program guidelines be changed to reflect this intent. Requested by Departrnent of: � Form Approved by City Attorney � �� , �� l� � RESOLUTION SAINT PAUL, MINNESOTA co,�,�a r�e # `�� - 3 s� Green Sheet # � � � � � Date t� �(` � ! c�. ��`1� FAi �ur�, Certified by Council Secretary BY: . � —_� c Approved by Mayo . Date Approved by Mayor for Submission to Council � � �C3e�-by Council: GREEN SHEET Councilmember Mike Harris 6-8630 Rounxc TOTAL # OF SIGNATURE PAGES A resolution showing the intent of the City Council that the threshold for enforcement of the City's "Little Davis-Bacon" policy be raised to $50,000 and that the STAR Progam guidelines also be changed to reflect this intent. PLANNING CAMMISSION CIB COMMITTEE CIVIL SERVECE COMMISSION mui�rowrctae ❑ an�TronrEr ❑ u�vvctirtK ❑p+wnn�.amvcrsoo� ❑nu�ru�taonnKCro ❑wl'ottldews�uill ❑ (CLIP ALL LOCATIONS FOR SIGNATURE) Has this persorJfrm ever vrorked under a contiact for Nis department? ves nio Hes tira P�Nfirm ever been a city empbyee7 YES NO Does fhis Da��Trm Do�� a sldll not normallYP� bY a�Y cuneM city emDWyee YES NO Is Nis Qe`snNfirtn atarp�etl veMoY7 YES NO ��i - 3 No 62334 MXhV�s a,rcau�ri ny_��9czyvtl.7 OF TRANSACTION S COET/REVENUE BUDGEfED (CIRCLE ONEi VES NO SOURCE ACTIYRY KUM8E0. INFORMATION (IXPWN) �19- 3 Sq HOUSING CODE ENFORCEMENT/CHROIVIC PROBLEM PROPERTIES q$ POLICY SESSION OVERVIEW INFORMATION �� Problem Property Definition: � Disrupts or threatens the people, health and safety of the conamunity; or � Consritutes a nuisance or an eyesore and is dilapidated or deteriorated; or � Creates an attractive nuisance which is an abode for crimuial activity; or � Is not maintained adequately and does not conform to uiinimum health and housing laws. A chronic problem property displays any of these chazacterisrics on a regulaz, or repeated, basis. Factors contributing to the occurrence of chronic problem properties: Social Issues: ♦ chemical dependence, and alcoholism ♦ poor pazenting slfllls ♦ decline of family structure ♦ despair/depression ♦ poveriy/ lack of living wage jobs ♦ concentration of race and income groups geographically ♦ aging-in-place population ♦ behavioral issues; lack ofrespect for others Prevention and Property Maintenance Issues: ♦ lack of financial resources to do necessary repairs ♦ incompetence of owner-occupant, landlord/management, or tenant ♦ poor housekeeping skills ♦ poor or no tenant screening ♦ lack of individual responsibility ♦ overcrowding Neighborhood Dynamics Issues: ♦ increasing sophisrication of both tenants and landlords at "beating the system" ♦ changing urban population and expectations ♦ intexplay of housing conditions and property values ♦ affect of one problem property on a nearby "borderline" properiy ♦ age and condition of housing stock generally ♦ absentee landlords ♦ lack of affordable housing Crime and Violence Issues: ♦ violence ♦ drug activity ♦ domestic abuse ♦ owner loss of control to gangs, and illegal activities ♦ vandalism _! 9�1-35y Departments and Divisions Involved with Code Enforcement: Citizens' Services Of�ice - Division of Property Code Enforcement: Enforces city code related to all one and two-family dwellings and all exterior properties city- wide. Fire Prevenrion Division of the Fire Department: Enforces minimum housing and health requirements, and fire code requirements on ali commercial properry, and residential buildings which are three units or larger. Police Department, FORCE (Focusing Our Resources on Community Empowerment) Unit: Organizes and works with block clubs, neighborhood groups and the Patrol Division to identify concems about crime prevention and public safety issues and wozk together to develop strategies for long-term solutions. Department of Plannittg and Economic Development - PED informs owners or landlords of available financial resources that could assist them in improving their property. If there is financing assistance provided landlord training andior home ownership maintenance training may be required. PED also works with neighborhoods to identify problem properties and involve code enforcement, address vacant shuctures or to build new homes on vacant lots to preserve and increase housing stock and remove blight in the neighborhood, and tazget areas for revitalization through a nuxnber of activities such as financial assistance. Ramsey County Housing Court - Housing Court referees hear three types of cases: 1. Conciliation court cases (generally tenanUlandlord disputes; 2. Evictions through the unlawful detainer process; 3. Housing code violation cases. Housing code violations are prosecuted by the City Attorney. City of Saint Paul Housing Information Office - The City of Saint Paul Housing Information Office is a central contact point for housing information, education, counseling and advocacy. The Office monitors housing information and resources in the Saint Paul area and makes the information available to individuals, elected officials and neighborhood groups. q9-3�9 Legislation Governing Certificate of Occupancy and Pnblic Health Inspections Saint Paul legislafive Code chapters: 18. 19. 29: 33: 34: 35: 39: 42: 43: 45: 60-67 105: 113: 163: 189: 198: 290; 292: 334: 357: Board of Appeals and Review Powers of inspectors to Enforce Provisions of Code Unlawful Use of City Properry Building code and Inspection Minunum Housing Standards for Dwellings and Multiple Dwellings (Housing Code) Rental Disclose Posting Smoke Detectors Filling of Cesspools and Sepric Tanks Vacant Buildings Nuisance Abatement Zoning Code Care and Maintenance of Boulevard Snow and Ice on Sidewalks Abandoned Vehicles Truth in Sale of Housing Keeping of Animals Use of Deception to Enter Residence Offenses Directed to Religious Beliefs and Racial Origins (Graffiri) Pest Control Solid Waste Minnesota State Legislation and Regulations: Uniform Building Code Uniform Plumbing Code Uniform Mechanical Code Uniform Fire Code Nafional Electric Code Minnesota State Energy Code Asbestos Hazard and Emergency Response Act ��) Dangerous and Nuisance Buildings State Energy Code Minnesota Pollution Control Agency (MPCA) Regulations Enforcement Options • Owner Watuing • Correction Notice • Summary Abatement - work orders aze issued far a code violation. The owner must clean up or fix the problem, otherwise the city will send a crew to determine if the code violation was abated, and if not to remedy the problem. The owner is then assessed charges for the clean-up or conection. • Citations • Condemnarion 9�-3�s 9 Outcomes • Property brought into compliance • Ramsey County Housing Court • Revocation of Certificate of Occupancy • Registered Vacant Buildings • Case Managing/Ongoing Monitoring Prevention Tools • Rental Taac Equity Programs • Houses to Homes Program • This Old House • Housing Information Office - Educational Programs • Comxnunity Stabilizataon Project • Neighborhood Sweeps q9- 3�9 PED/HRA INFORMATION FOR POLICY SESSION ON HOUSING CODE ENFORCEMENT AND CHRONIC PROBLEM PROPERTIES CONTENTS I. GENERAL OVERVIEW OF HOUSING ISSUES II. CITYWIDE REHAB PROGRAMS III. CITYWIDE MORTGAGE PROGRAMS/HOME BUYER ASSISTANCE PROGRAMS IV. RENTAL REHAB LOAN PROGRAMS V. CAPTTAL CITY BEVELOPMENT PROGRAM City Council Policy Session Apri121,1999 / � ` ; �y 359 -- v�' � N v < � O '� t�D � � N� .N � N N� � �D N z tD C4� a O -i �' O O S2. O � tfl O � � �D � - � � � � � � �- � �� •�+, � � ._. N � tD N � � c� �, � � � O � � r� e /�� d` ` C� 0 � � _ � � � N� N � �/� V� � � � � �V � , 99 ��sq HOIISING ISSIIES THAT �F'FECT CODE ENFORCII�NT/CffiiONZC PROBLEM PHOPERTIES Not Just A Housing Issue? General Overall issues * Poveriy * Living wage To support housinglfamily �` Education * Jobs * Insu�cient resoarces for public subsidies * Federal, L.ocal, State mandates * Iack of contractor participation * Need for continued neighborhood investment (continuin� cycle) � Neighborhood Issues � Safety/Crime Mazginal/In transition neighborhoods Public unprovements inirastructure inadequate Capaciry of Ioca2 developers/contractors ivegaiive reporting on nei�hborhoods/perception Competition with suburban neitthborhoods Homeosmer Issnes � AffordabiIity/Informed buyers Financial problems Homebuyer trainin; Buyers unable co visuatize potential of house Buyer unable io packa�e purchase/zehab Foreclosure preveation � COSt ISSU£S - Minor rehab vs. substantial rehab - Neiahborhood revitatization vs. neighborhood sta�nation - Repl2cement oi ]zad water line - Lead base paint and asbestos _ - tio� enoegh contractors - Af::_-::z_i�e .Ac�;o.^. nznerwozk ier co-?:zctc. - Ta.a°ced �'endor paper,�orVproc�ss '- cent, zetors - Historic & architectural signi— ficant properties House Issues Uncooperativ e/unav ailabte property owners Tide issuesllegal/ownership Cost issues/subsidy of cost over value Restrictiors on existin� public resources b4arketing competition with suburbs/hu}�er has choices Overali mzrket saturation oi housing Land use coaflic. 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G � �c �� N a Z O � � � � w `^ o `� t�i o' '" �� i � H 'Z x �. n � w O rt A C A C G 69 � 7' � � O' O .� � O r�n [D ry O .o YJ o v�i � l> O �D W S� �� ., o o ,» m o rn � m a� n. O f+ o '^ �� "' � � ?' � o' N N '� v�i o Q' O O C. O O � A `G P. p� 5 � .t f^D [Y O " a h-q �� a � o w °i y � ° o � � ° � �. C H H � � � �� y�a z �c w � � N �' o�� y o � o� � � �I � +y l�� N ��.�{ �1 � "d � � � � �y- �.59 Family Housing Fund Home Buyer Assistance Loans CLOSING COST LOANS (CCL) Maximum Loan Amount is $3,000. CCLs cover the buyer's cash closing costs. CCLs bear zero in[erest. EQUITY PARTICIPATION LOANS (EPL) Maximum Loan Amount is $10,000 or 10% of purchase price, whichever is less. Minimum Loan Amount is $3,000. * Reliabilitation is encouraged. EPL's used with Purchase/Rehab and Refinance/Rehab have a maximum loan amount of $15,000 or 20% of the after rehab value. EPLs help buyers qualify for a mortgage by reducing the size of the mortgage to an amount they can afford. EPLs bear an interest rate of 3% per annum simple interest. REHAB PARTICIPATION LOANS (RPL) Maximum Loan Amount is $7,500. RPLs are used with Refinance/Rehab and Purchase/Rehab mortgage loan programs. These ]oans are used to cover the gap between the after-rehab appraised value and the cost of rehab. The RPL bears zero interest. 10% of the RPL is forgiven each year the owner remains in the home. Terms and Eligibility Home Ownership Counseling: Required on all loans except Refinance/Rehab. Call Home Ownership Center at 651/659-933G for information. Eligible Households: Owner-occupied households which are either families with chiidren or participate in a"special program" adminis[ered by the Saint Paul Home Loan Fund: Houses to Homes: Dis[ressed Projects • Vacant Housing Program Refinance/Rehab and Purchase/Rehab • Replacement Single Family New Construction PHA Home Program (Public Housing Agency) • 1-4 Unit Home Ownership Conversion lncome Limits: �50,880 adjus[ed $1,000 per household member. Eligible Properties: One ro four unit residences within Saint Paul city limits. Maximum of $112,500. Basic Terms: Family Housing Fund Loans are secured by a nonrecourse note and mortgage and are subordinate to the tirst mortgage. There are no monthly payments. Loans are due and payable upon sale ot the home. transfer oi the tide to the home. when the first mongage is paid in full o* when the borrower no ionger occuoies tne homz For infornrntion call the Sain[ Paul Home Loan Fund at GSI/266-6511 and ask �or a Mortgage Loan Officer. 3/31/99 ' � 9q-�� See it, buy it, f� it, love it. The New 1998 Middle Income Program Income Limit: $121,600 Buy a new home or REFINANCE & FIX-UP y011T CUTl�lll IlOIIl� witl� very low interest loans froin the Saint Paul Hoine Loan I� uiid. 0 G.25 % 6. 5 2 %�PR*x 30 year term, one point Qualified Uuyers: • Straight purchase • Purchase/rehab loans: $5000 minimum rehab required. • Refinance/rel�ab loans: Minimum rehab required. Minimum rehab equals E�urchase price plus cosf of previous improvements, it any, dividec( by Un�ec n�inus worlc completed in the 18 monUis prior to closing. • One to four units in Saint Paul city limits eligible. Maximum purchase price: $267,520 Low cost inspections offered to help you determiue your home improvement needs. Call the Saint Paul Home Loan Fund. 2G6-6G2G Your purchase, refinance, rehaU experts. "Annual Percenlage Rate 6ased on uninsw�ed conventional mortgage of $G0,000 in 3G0 equal Installments o( $3G9.44 plus tax and insurancc. Maximum mor�gage limits and down payment mquirements a�e subjec.t �o PI IA, VA, and PNMA/�HLMC rcquirements. Adjustment facrors aUowed (or 2, 3, and 4 unrt dwcllm�s. � 9 9P 3�s q Closing Cost Assistance Loans Maximum Loan Amount is 2% of first mortgage to be used for closing costs and downpayment. Closing Cost Assistance Loans bear zero interest. Terms and Eligibility Home Ownership Counseling: Required for all first time Home Buyers. Eligible Households: Must be participating in City of Saint Paul Phase XI Program at G.25% (G.43% Income Limits: $72,9G0 for 1& 2 person households $55,120 for 3 or more person households Eligible Properties: One to four unit residences within Saint Paul city limits. Maximum purchase price: $137,577 for existing homes, $1G4,092 for new construction BasicTerms: Closing Cost Loans are secured by a nonrecourse note and mortgage and are subordinate to the first mortgage. There are no monthly payments. Loans are due and payable upon sale of the home, transfer of the title to the home, when the first mortgage is paid in full or when the borrower no longer occupies the home. For information call the Saint Paul Home Loan Fund at 651/266-6626 and asl: tor a Mortgage Loan Oiticer. 4/9199 See it, buy it, fix it, love it. ��-�5� Whether buying a PIRST, S�COND, or TI home— tliis progl�am's for YOU! o4p �� ►��°sS Buy � new home or DOn' p e�aY R�PINANCE & PIX-UP yOUI' Clll'1'�IIt �1011](' W�� very lo� interest loans from the Saint Paul IIomc Loan l�und. 6.25 ° o 6 . � /O ni�i: � �° 30 ycar tcrm, zcro points NeW •N�g ��ts ln°�� Qualificd buycrs: • Straighl pwchase • Purchasc/reliab ]oans: �5000 minimum rchai� irquirec(. • Refinancc/rchab loans: Minimum rchab rcquired. Minimum rehab equals purch��se price plus cost of previous improvctnents, if any, dividcd by three. Maxinunn houscl�old incomc: $72,960 for 1& 2 ��ason houscholds $85,120 for 3 or inorc ��crson houscholds Maxiu�um purchasc pricc: • Gxisling residencc: $137,577 Ne4y • New construction: $16�},092 P �rch a H�gher • Onc (o four uni(s iti 5 �,;��c l��t,l �<< ��„�, ��;�;��. t��„ "�� Low cost inspcctions of(crcd to help you detcnninc your hon�c improvemcnt nccds. Closing wst a'ssistancc loans ,zv��il,iblc. Czll the Saint Paul Home Loan Fund. 651 266-6626 Your purchase, refinance, reliab experls. "Anuual Prrccnla�;c Italc bascd on uninsiucd cunvenlional mmlgagc of $GO,ppp u� j(,p cqual inslalimenls o( $3l15.9ti plus lax and insurancc. Maximwn moi1ga�;c limils anJ Jown paymi�nl rcquiicmcnls aic subjccl lo I'ilA, \�A, and I�NIvIA/I'iILM11C rcquiicmcnls. AdjusUncni faaors allowed (or 2, 3, and 4 unil d�vcllings. 9 r-35 y Welcome Home to Citr�LivinQ! Do you want to buy or renova�e a home in Saint Paul or Minueapolis? Then take a look at CifyLiving Home Programs, because you may well qualify for a below-market-rate mortgage loan. VJhether you're buying an effisfing home, building new or renovating an older home, you'll find more home choices in Saint Paul and Minneapolis. To support your desire to live in the city, CityLiving offers purchase, purchase/rehabilitation and refinance/rehabilitation loans. Qualified home buyers can even combine their mortgage loan with G�iyLiving Special Assistance Loans. Generai Program Information • You must live in the home. • Property must be one to four units in Saint Paul or Minneapolis city limits. • We provide pre-qualifications for the fee of the credit report. • Income and purchase price limits apply. • Free Home Buyer counseling available. Refinance/rehab and Purchase/rehab Loans Information • You can refinance your mortgage or contract for deed and make major repairs and inprovements. • Property must be at least 20 years old. • Minimum rehab requirements apply. • All work must be completed by a licensed contractor. CiiyLiving Special Assistance Loans for Closing Costs and Affordability Assistance • Income and purchase price limits apply. • Easy repayment terms. �>- y � :1►= �►,' , 1 i �� £=- 1 ��1 home programs For infornatior:, ca11(612) 673-5288 in Minneapolis or (651) 266-6626 in SaintPaul. C:njLia�ing s?ccsore� oy ��.-?zc! J=_�ar�en*. a Planning & Economic Develonmea_ (PED) and �e �Sxnea�oLs Co�_r:-r Deveionm=_a: 9gennr (MCD _', q9-��sg Rental Rehabilitation Loan Program The Rental Rehabilitation Loan Program serves as an effective financing tool providing a variety of opportunities for qualified owners of multi-family structures to rehabilitate their properties. The loan financing can be structure at a flexible interest rate and term to meet the financial needs of the project. These funds assist the owners in upgradin� and improving their rental units which can include health and safety deficiencies and other improvement to meet housin� code standards or to obtain a current Certificate of Occupancy. In addition, energy, security and handicapped improvements are also an eligible, all while maintainin� these units at affordable rents to low and moderate income occupants. There aze three funding sources for the Rental Rehabilitation Loan Program. CDBG CDBG Rental Rehabilitation funds can be used on rental properties usin� the following HUD approved guideline. These guidelines have also been approved by the St. Paul HRA. The maYimum funds allowed per project is $10,000/unit not to esceed $250,00/project. CDBG funds cannot exceed 100% of the Rehabilitation cots and cannot exceed �0% of the total development costs. H[ID & CDBG funds together cannot exceed 100% of the rehabilitation costs. The current balance is $740.800. HUD HliD Rentai Rehabilitation funds can be used on rental properties usina the followin� guideline. The maximum funds allowed per project depends on the breakdown of type of unit. HUD allow�s 5�,000/unit for efficiencies, 56,�00/unit for one bedroom unit, �7,�00/unit for two bedroom units, and �8,500/unit for4 three or more bedroom units. HUD funds cannot exceed 50% ofthe rehabilitation costs. HUD & CDBG funds together cannot exceed 100% of the rehabilitation costs. This Fund is no lonQer beino funded b}� HliD. The fund balance indicated belo�v is from program income. The pro�ram income dollazs still need to be distributed accordina to the original proQram ouidelines. The current balance is $114,643.00 MHFA �IHFA funds are at a 6% interest rate proaram. The masimum Yunds a1lo�ced under this prosram are S?�.00 :o: a sinale famil� structurz or S10.00O-unit c�ith a maximum oi 5100.000,%multi-� :3:i1.'� �^uCiii'�. T;1Z Ci:� O: J�I1i P3:� L125 RO ull�Ci CO�T_01 0: -'1: �IH'_-� illi135 ! RZ CII�" 0? �a.n? °au! can rzquest n:nds ?:om �SHr.� on a project b� project oas.s. �,IHF_a ;,as final detennination if ihe project «iil be timdee usmg thi� pro�ram iiundinE source. DEPART.bIENT OF PLAPlNZVG .t � &ECONO.LtlC�E�6LOPMENT Qn �� Briam Sueeney, Dmector � � crrY oF sa�rrr PavL, Narm Co[eman, Mayor .Narch J. 1999 Telephone: 61Z-266-66?6 Facsim ile: 672-228-33? I 2� West Fourth Streer Saint P¢u{ .bNS�lOZ Capital City Development Program New Construction or Rehabilitation Houses to Homes There are approximately 68,500 single family houses in the City of Saint Paul. About 430 of these houses are vacant and over �0 houses are demolished each year. Just one vacant house or lot in a neighborhood can cause bli�ht and lead to the perception of instability, affectin� the property values of a(1 other homes in the surrounding neighborhood. This proaram was developed to assist in either constructing new homes on vacant lots or rehabilitatin� vacant houses to provide for your personal residence. How the program can work for you: An individual or family interested in rehabilitating a vacant house and/or building on a vacar,t lot, which propem� would be used and occupied as your personal residence can apply for a eranUdeferrzd loan to cover the difference bernzen the purchase price plus the rehabilitation cost and the afrer-rehab market value of the home. For example, consider a house meetins program criteria �vhich can be purchased for 53�.000 and rehabilitated at a cost of 560.000 for a total development cost of 59�,000. The afrer-rehab market value established by an appraisal is S70,00Q In this case, the HRA/Cin ��ould provide a 52�.000 orant to cover the difference. This would be the same type of example if you �vere buildino a nen house�lefs sa} the lot sells for �1 �.000, new construction of a three-bedroom sinole family home is 5110.000, and the as-built appraisal reflects a price ofS100,000. A�ain in this case, the HRA/City would providz up to �2�,000 in financine assistance. Other available financial assistance: In addition to this financins assistance, the City can provide a purchase/rehab mortgage or end loan morteage for purchase of a ne�r home to be built at low interest rates to qualified borro�cers to finance the purchase and rehabilitation of a house up to its after-rehab andlor as-is buil[ market ralue. Do�vn pa}ment srants, closing cost loans and equity participation loans are available to low and moderate income home buvers. It would be advantaseous for �ou to submit a loan application and set pre-approval, which �vill tell you ho��' much you may be able to secure in a first morteaQe and also identify' an} issues that may prohibited }ou from securina a first mortQase. It wi(I be necessary to secure a first mortsage in order to bz considered to participate i� this proaram� (Information is znclosed on other programs) Technical assistance: Once �ou ha�z z siened �urcha>z zsreem:n: on eithz; z lot or house. the Cin °ED «iIl .�orK �, i'h �-ee *.o nzlp wn :'etzr*n!r,e «ha, nezds ?o �z in.ludec i�: �o!�� pians for rena'oiii�anor: ar.d or nen :er.st*ucL;on 9G-�s � Nonprofit Housing Development: Many of Saint Paul's neighborhood nonprofit developers have been purchasing and rehabilitating vacant houses and building new homes for resale to qualified buyers upon completion. If you simply want to purchase a home, perhaps one of these houses wil] suit your needs. City mortgages are also available for straight purchases. For further information on the Program, please call Sheri Pemberton-Hoiby at 651-266- 6615. See attachments PED SYS'_ SFURED PE.�ERTO H?H GEt tVFOLET K"PD 9i-��s� Houses to Homes-Vacant House Assistance Program Guirlelines Overview Pur o e � Program is desi�ned to support neighborhood revitalization by addressin� vacant buildings. Allow for thz purchase, rehabilitation and/or demolition of vacant houses. Provide financin� and technical assistance to participants. Ob}ectives " to better coordinate and focus City actions throu�h Code Enforcement, rehabilitation and demolition to address vacant buildin�s/houses. ` to contribute to revitalization and stabilization of neighborhoods. " to increase homeownership oppormnities. ' to save existing housing stock, where feasible. ` to recapture and improve the City's tax base. ` to encouraee public/private/ community partnership centered around homeownership and other neishborhood revitalization efforts. EliQibilit�� Criteria Participants: For-profit, nonprofit, individuals and families. Prooercies: - properties must be de�ached sinale family or duplex. To�vnhouse/condominiums ineliaible. Tripl�x to fourplzx ma� bz elieible if being converted to sinale family or duplex. - properties must be vacan�. - properties must have characteristics contributing to neiehborhood blight and require moderace to substancial rehab. - propzrties must mzet certain assessment criteria set down by HRA (attached). Homebuyer: - HRA identified ttvo fundina sources to allow the sreatest flexibility for marketin�. In Qeneral maximum allowabie income for households buying ranges between 80% to 110` median income (563,600). - must occupy the propem� as their residence for a period of ten years. EliQibie De�elopment Costs -�couisi?ion purhase price (justified b� aopraisall unless owned b� HR�.. plus title costs ar.� closina cos�s. Renabil,�a�ior. con.truction co��raa amoun�_ — cortiasenc� r_ot w exceed S�� per aross squa-� �__ '?.`_ iJJ."_ �O.TiD�1..,� :� .....!u�:.� cil _.__li.^...... _._2 2::� _ D25.'L?12PT SCl�I'l). ��?:: C�=:� �2"��iP= CO:`.��CZS2i� Cl0�lII4 CO�u. LIli2rLIP i1RaR.;� 2nD�in�. ::1dI�:EL1II? ao more tnae -� ot sale pnce�. desi_a. de��eiooer i�e ��5.000 single ram�'.�•. �10.00Geuolexi 9�^�5 y Rehabilitation Standards The extent of rehabilitation should go beyond minimum code requirements. Program intent is to support a level of rehab which makes property safe, attractive and marketable. Particular attention to structural and mechanical deficiencies which limit marketability and place hardship on new homebuyers. Improvemen[s which enhance marketability and strezt appeal need careful consideration to keep property viable now and in fumre. ` City Code Inspection write-up is required. " Mee[ minimum FHA/VA property standards to allow for end loan financing. " Exterior improvements are extremely visible component of neighborhood revitalization. " Major improvements such as floor plan redesi�ns will only be considered in converting properties do« n in size or removin� conditions that severely limit marketability of property. "` Ener�y improvements should be considered in rehab where cost effective. " Properties desianated by State Historic Preservation Office need to address the Secretary of Interior's Standards of rehab for historic buildines. " Rehab includes repair or replace as needed of existin� conditions. ReQulatorc Requirements � Leack base painL abatemenc. Federal, Scate and local reeulations apply. " Asbestos removal. Scace requirement. " Replacemen[ of Lead ti` Line Service. City ��later Department requiremen�. " Egress window;. Bedroom �vindocv for existinQ buildinas that are not replaced are Qenerall�� allowed to remain (City buildinQ code decision). Windows that need replacemenc must meec liniform Buildina Code. State requirement. Financing Assistance The maximum assistance provided is represen�ed by the difference between the total development cos� r::n�r the afrer rehab appraised marke[ value up to a maximum of 53�,000 for a single family and $50,000 ior .: duplex or cenverions of a duplex do��n to a singie famil}. Guideline ��'ai�er Statement ��.ai�zr of masimum iinar.cing assis�anee mac be requested from HRA in ek�raordinary circumstan:c Su�n c;rcumstances ma� irciude ne�d for special his[orical o: archi�ec�ural [rea�ment or a demonstrz:e. -_ �Lr�p��' . �-.42=.'> �4? C-:J c_r q 4- �3v � Replacement Single Family New Construction Program Gui�lelines Overview Pur s Program is designed to support nzighborhood revitalization by addressin� vacant lots. Allow for the purchase, development of single family housing and subsequent resale for homeownership. Provide financin and technical assistance to participants. 'ecfives " to better coordinate and focus City actions to help reduce the number of vacant infill lots as a result of demolition and years of disinvestment. " to contribute to revitalization and stabilization of neighborhoods. " to develop new housin� opportunities. '` increase homeownership opportunities. " to recapture and improve the City's tax base. " to encoura�e publiclprivate/ community partnership centered around homeownership and other neighborhood revitalization efforts. Eliaibilitv Criteria Participants: For-profit, nonprofit. individuals and families. Properties: - vacanc lots zoned for single family use. - no more than 2 lots in any block face b5 an� one encirv in any Qiven calendar year. - loc must bz ac leas� �0 feet in width. Lo�s 40-49 feet may be developed if new homz is pre-sold or construction financina secured. Exceptions to this policy may be considered �: HRA on a case-b�-case basis. - properties whzn complete must be owner-occupied sinale family homes. Homebuyer: - HRA identifizd t�co fundin� sources to ailo�� the greatest flexibility for marketing. In Qeneral maximum allowable income for households buyin� ranQes between 80�c to ll0` ��: median income (S63.600). - must occup} the property as their residence for a period of ten years. Elib ble Development Costs Acquisition: purchase price ljustified b} appraisall unless owned by HRA. plus ritlz costs ar.c closin� cos[_ Cons�ruction: constructior. contract amount + continge�cy' not to exceed S70 per gross squ2re :__ isqnare ioo:z�e computed [o iaclude 21! iinished 2rea zn� � ba;ement sq�i�). J _" � 0:'_ _._ ' " _'�_ "-�2!� CiO�lII= `='"' "_" ".. ..:i� �YA'"_" T3InBtiP.c �..� I.^.J:� C..�.. � JI 521� DI;.'��. ��-L`. u�'�2LJ��C T�� o.lJ�� SIRa12I3II111t q� �� y Construction Criteria Design Standards: See Exhibit A attached. Construction Standards: - must contain 3 or more bedrooms. - must adhere to St. Paul buildin� Code and all State and Federal codes. - must meet FHA/VA property standards for financin�. Regulatory Requirements: - E�ress windows required in basement. Required by State Uniform Buildin? Code. FinancinQ Assistance The maximum assistance provided is represented by the difference between the total development cost minus the after as-builc appraised market value up to a maximum of 540,000 for all single family homes. Guideline Waiver Statement A waiver of maxunum financina assistance may be requested from Hr2A in extraordinary circumstance= Such circumstances mai' include need for special historical or architectural treatment or a demonstrare� pun; purpose for expenditures bey ond the desiQnated maxunum amount. : �:s.a.es� s-�= ce� a=_ SECTION 3: CONSTRUCTION STANDARDS 99-��s � 3.1 Design Standards A. Orientation: Houses should be oriented to the primary street to which the plat is oriented in orderto encourage physical and visualinteraction between private and public areas to promote securiry and neighborhood relations. B. Alianmenc: Howzs should bz alianed alonQ major streei sz[back linzs so as to achie��e a visual rh��thm and definiiion of the strezc m a mannzr similar ro other urban residzntial neiahborhooes. �b'here thzrz are existinQ adjacen[ houses, new infill should align with the setbacks already� esczblished. _,. I YES, BUILT UP TO EXISTING I _,�;.�� % ISETBACK � � _ I � jNO, �� i __, -- �TOO FAR FROM; -- 'EX15714G _''- •SET3ACf e PP. MARY ST.�� PR MARY STREET G 9-3�9 C. cce : Where alleys are adjacent to infill si[es, they should be used for vehicular access to garages, driveways, parking pads, and services. ST REET Where no allz} is available for cehicular access. curb cu[s and driveways from the main s[rzzt should bz as small and unob[rusn e as possible D. Landsca i�no The landscapz p12n should ennancz the buildme dzsian and add ]onQ �erm value co che p,ojecc. lise of a licenszd Landscap: Archicecc or Architecc in desion oi [he landscape plan is encourzozd. Safen and � isioilitt' around tnz si[e should be oalanced with azs[hztic and environmen[zl concems such zs shadirs, pro�eaior: irom ecm[er winds and shading. Hedaes should'oz used to dziine public and prnace areas of [hz front and side yards � � � i . —�, . -e..�=_ �' _ 9g- ��s 9 E. Fencino: Fencing made of strong, durable wood or decorative black metal fencing is encouraged as an integral project element, in order to prevent later introduction of unsightly and possibly fra�ile fences by the homeowner. Fencing should complement the architectural feafutes of the project and permit visibility. Possible Meta] Fencina Possible Wood Fencina F. Entries: Entries should be clearly articulated and orientzd toward the primary streei and sidewalk. _ Porches. o�erhanes. znd s[oops should'oe used [o shelczr en�ries from the elements anc [o p;o� ide a transi[ion bearezn in[erio- and exterie*. G Por1e� Pzco;. Te�ra:,e� a�� Cmerec En�ries Tne<_e elenen�s snoutd be used � `_,.�.. r = - __. _�._.._:_r. �__._ �..._... a :c ..z��..:, �e,,._;a oubLc ar!c ; YES YES NO, No porch or covered entry �y 3�sy H. Directional Emphasis: Narrow lots should contain buildings with a more vertical expression. Houses should be oriented to take advantage of views, solar gain, natural breezes, and efficient lot use, while protecting from winter winds and obtrusive exterior noise. • - Scale and Massino: New construction should emulate the scale and massing of housin� throughout the surroundin� neighborhood. Roof pitch and style should respect similar types in the surrounding area and bz consistent with the architzctural style of the new house. Exterior Materials: Materials used on exterior of new houses should respect the character or surrounding buildings and should be durable to add lastin� value to homeowners. Stucco, brick, and solid wood lap sidin� are encouraged. Heavy gau�e aluminum or vinyl siding are allowed unless prohibited by Historic or Desi�n District guidelines (see paragraph P below). Other materials will only be allowed after review and approval by PED desi�n staff. K. Fenestration: �Vindows and doors shouid be in keeping with the architectural style of the new house, and should rzspec[che surrounding contex[ofchz nzighborhood. \Vindows should be incorpora�ed in�o the facades to al1o�� for ��m�er solar gain and summer namral orzzzes. Blanl:. s�erile facades should be z� oided on all sides of the ne« house L De[ailiee The amou�t and npe of detailine should re�lec� cha 2rcni2c[uraf character of the new house. which m mrn should resoect the other bui!dmQ :ypes and styles in �`,� surroundmg nei�hbornooc Close aaennor: should be pa:d �, r�e e;�cucion of the �2C211!P.= OIl Il'.� iCORi i2C2.=? :dC1P.4 Ii?° LP.21I1 S:"2.�i YES YES YES 99-�59 M. inishes: Painu and stains, smcco color, brick color, alternate siding color, and color of detailing should be consistent with the architectural style of the new house and should be similar to colors used on other houses in the surround neighborhoods. Exceptions to this may be given to projects afrer review by PED design staff. N. GaraQes: Developers are required to provide at least a concrete double car garage pad. Garages should not dominate the front facade and should be tucked behind the new house, if at all possible, utilizin� alley access. Exceptions to this may include tuck- under gara�es and houses on cul-de-sacs, reviewed and approved by PED design staff. O. Exterior Liehtinw: Lighting should be provided on the exteriors of the new house and garage, if applicable, in order to provide a sense of security. Pole fixtures may be used to supplement buildina mounted fixtures. P. Historic Districts and o[her special areas such as DesiQn Dis[ricts Properties located in a special district must comply with the desi�n standards associated with that district. See Exhibit A2 for a map of Saint Paul's historic districts. To obtain more information on these districts and the applicable desi�n standards, contacc Beth Bara at 266-6580. Q. Lot Covera�e: Projects must meet zoning code requirements for lot coverage and se�- back. R. Enerac Efficiencv Ener�} efficiency is encouraeed in projzct desien. �2 Cons[ruc[ion Guidzlines A Houses constructzd under che Replzcement Sinale Familc ?�e« Construction Progr2m mus[ contain three or morz bedrooms. B Developers should refec to che Sain� Paul Building Code for mforma�ion concerning conscruc�ion scandards. �.3 ReQulator} Requirzments Developers mus[ adhere ro new construcuon s�andard; rzquired by apoIlcablz local. scate, and federa] re�ulations, includine the followin�. A. �lacement of Lead W2[�r Szrvice The Cin of Sain[ Paul rzquires tha[ zll lead w2�er services mus� be rzplaced from the srop box ro thz house To de�ermme if thz wa�e: service is lead, call Tom Jonnsor.. Cii� ��'2cer litilizc, a: 298-43??. 99- ��s y� MORTGAGE THIS MORTGAGE, made this _ day of , 199, by (��MOrtgagor"), to the HOUSING AND REDEVELOPMENT AUTHORITY OF THE CITY OF SAINT PAUL, MINNESOTA, a public body corporate and politic with principal offices at 2a_ West Fourth Street, Saint Paul, Minnesota 55102, its successors and assigns ("mortgagee"). wITN555ETH: That said Mortgagor hereby mortgages and conveys to said Mortgagee the £ollowing described premises situated in the City of Saint Paul, County oi Ramsey, State o£ Minnesota, to wit: LSGAI, DSSCRIPTZOH free £rpm all encur.ibrances exceat £irst mortgage with Homestead Mortgage in the amount of $93,500.00. This Mortgage is given in consic�ra�ion o= and as security Por the payment of FIFTY-FOIIR THOIISAND and No/100 DOLLARS ($54,000.00) "Loan�� receipc oi which is hereby acknowledg=d and which is made in order to nromote home ownership and occupancy in the City of Saint Pau�, Minnesota. The Loan is evidenced by a Promissory Note ("vote") to th_ ordzr of the Mortgagee o` evzn date herewith. Sh2 outstarding grincinal amount o- the Note sna�l be due a;d payable upon the default o' tne Morcgagor ;^. *_�e p_riormance o° any terms, conditior or cov>_nan� o` t�,is Mortgaae arc e�^=_-++-se shall bz satis��ed a-� tnis Mortgage d_scnargec n�on �____ Mor�aaco=�s cor.,pLanc= wi�h t__� czr�s, co^3ztions and cove�a-cs o' tnis h?ortaaae. _.._� -: strune: t'_s exem�L '_rom Mortgag_ R_ccsLratce: '^ax nursuaa*_ to *I.S. 287.04. 99-3s � THE MORTGAGOR covenants the following statutory covenants: 1. To warrant title to the Property; 2. To pay the indebtedness as herein provided; 3. To pay all real estate taxes and special assessments on the Property; �. To keeo the Property in good repair and in compliance with a11 applicable state and 1oca1 building, housing and health codes and that no waste shall be committed; 5. To keep the buildings insured against loss by fire and other hazards for at least the sum of the full insurable value of the Property and include replacement cost clause and identify the Mortgagee as additional-insured and loss payee. AND THE MORTGAGOR FURTHER COVENaNTS 6. To use and occupy the Property solely as a personal place of residence from the date of this Mortgzge until (date ten years £rom closing date) ("Homestead Period"); 7. Not to se11 or otherwis_ transfer th= Property duriag the Homestead Peziod ualess such sale or trans£er is mad= to persor.(s) who assume the obligations o� this Mortgaa= a�d undertake to use and occupy the Prop=rty as a personai olace o= residence for *_h= Eomes�ead Period and such transfer or sale is ap�roved by the Morcgagee. Aogrovzl of a sale or t-ansfer w_=1 be given by the Mortgaaee _' all of the =ollowing conditio.s a=e met: a)t'r._ buyer assumes *_hz cbligztior_s oE this mortaaa=, _ncluding the ex2cution o' an Af�idav�t of Agre=ment co ?iom=stzac 'o- the balance of the riomestead Period: b) at th= time o£ sale, c:�z Mortgagee �s paid the a^ou.c dne under trie other provisions hereo= governina Division of Pron=rty A�preciation. 8. Not to lease, rent or otherwise use the Prooe_ty fo: the �roduction o� income during tne =omest2ac Period. Nothing i.. �^is cov�aant sha11 prohibit thz Mortgagor from r=c=icing paymerts 'ron m=mb_rs of the Mortgagor's =amily ir. compersatio; =or room a�d boa=3, so iong as no�tgaaor occu��es tne hom_ as fzmily rzsider.c_ as recu_r=c herein. �. _„ �av tne a'-�-` °= t=e =c:oz': amourc o'_ �__,. -oz- -" ='._ event o_' aa breac: o'_ t___s :�lorcgace w::ch naa ro= nea: cu_=d �.._�___ c___rty (30) davs N__�c_= =o�-__ co �:cr�,-� -, --. __ �_ �___ xcr_,agee -„--- "-c----- _---- - _., --' .,= a- - �_�aa_c �_ 99-��sy 12. Not to mortgage or permit any lien or other encumbrance to be placed upon the Property during the Homestead Period without written prior consent of the Mortgagee. Nothing in this covenant shall prohibit the Mortgagor from executing'a purchase money mortgage to which the Mortgagee shall consent and sha11 agree to subordinate Mortgagee's lien to a superior lien o£ the purchase money mortgage; 13 14 Not to use or occupy nor permit the use and occupancy of the Property without a current Code Compliance Letter and/or Certificate o£ Occupancy issued by the City of Saint Paul; and, Not to use or permit the use o£ the Property for any illegal or criminal activity. 15. To use the Property in accordance with the uses specified in the City Wide Redevelopment P1an as adopted and approved by the City of Saint Paul in Council Resolution No. 277600, dated October 28, 1981, and local zoning ordinances as now in effect and as may hereafLer be amended. Division of Property Appreciation Definitions: Tne following terms, as used in this paragraph, shall have the meanings described: 1. To:.a1 Devzlopmen*_ Cost is de�ined as the Or�ainal Purchase Price of 594.000.00 nlus the original amou�±t of this securec 1oan; 2. �omeow-ier _=v2stmenc is d=fin=d as tn= Origina'_ Burchzse Price plus th= cosc c= anv canitai ��!nroceme^_ts to the Propertv made a`cer the date of this r.�ortgag=_ - ' - ' ? c �e� Sa'_es ?roc°eds _s d°f�nec as t_= 2CtL'2� sale nricz o� the property. ��oreciatio^. is de�in=d as the d�==ere-ce betwe=r_ tn=_ Net Sa1es Proceeds and c�e Hom=�:r�er Iavestm2^*_. A� the tim� o= a�� iirst resale o` the Property durin� *_he �:omestead Period or z=ter tne Eomzstead Per�od has exnirzd, Mortgagee sha11 be oaid an amount ea��al to t2e annreciatio� multiplied by the percentage decerminec =rom div_d'_ng �h= o-igiral amount ef c_.is secur=d -oan by che :ocal Development �ost. __ ^HE MO�ir=G03 s:all oay ti?° Mortcaa=_=_ th� principa� aTou�[ o� the Loan or _= t^e Mer�gago= s: aL usz and occupy t'r._ ?ro�2rty as nerso.^.al glace o£ _>_s_dzncz -°= --._ _��=s�=_ad ?_�z°c °= — c"- '4o==gaao° s�=�_s or t-_ansiers tc pe_sons .�__„ s^a= �.:s=_ G__� eccu�, c__ Prope=c�r as perso:�= _=G.._ o' _2sid=nce -„- "'s =.....es�� ?�__.,.. �___ _..� `-:ortcaco_, s__�=_ssors a-.. ass';--� sha11 ao� .,_"__rv_o_ .,__..,`__ '"_ '__..._, -..-.._�=.,._n d__.. ._.�._ c__n .._ _____ �:C_=, , CP2' --= - -c� ___ __....._-_ "- --e _"__ '--_-- "= -="_c` -- - ---'--__-- .,-:__ �:e _.. _ ----�- --'^ -_ --"---__ - ' __---_--"- -"- -=-�- -- -'s`r.a=a=c __-"-"- '- --= -- =--- _- =-__ -a- ..- '-._ r �_=' -a= _ = ---- cn=_ 99-��s � obligation to repay the principal amount of the Loan shall be reduced by FiVE THOIISAND FOIIR HIINDRED and No/100 DOLLARS ($5,400.00) until fully discharged at the completion of the Aomestead Period. The amount reduced each year during the Homestead Period will not�be used to reduce the Division Property Appreciation, iE property is sold before the completion of the Homzstead Period by the original purchaser or iE the property is sold a£ter the Homestead Period. If a breach be made in any of the terms, conditions and covenants herein, the Mortgagee may declare the principal amount of the Loan due and payable immediately, and TAE MORTGAGOR HEREBY CONS£NTS TO AND ACKNOWLEDGES THE RIGAT OF THE MORTG?�GEE, AT MORTGAGEE'S OPTION, TO ACT TO FORECLOSE THIS MORTGAGE BY ACTION OR ADVERTSSEMEN`T PURSUANT MINNESOTA STATUTES CFL?aPTERS 580 OR 581. A POWER OF SALE BSING HEREIN EXPRESSLY GRnS7TED WHICH SAALL ALLOW THB MORTGAGEE TO SELL AT PUBLIC AUCTION AFTER SERVICE OF NOTICE THEREOF UPON THE OCCUPANT OF THE MORTGAGED PROPERTY; MORTGAGOR ACKNOWLEDGES THAT SUCH SERVICE NEED NOT BE Mt1DE ON TAE MORTGAGOR PERSONALLY UNLESS THE MORTGAGOR IS AN OCCUPANT OF THE MORTG.'�.GED PROPERTY AND TI-L8T NO HEARING IS REQUIRED IN CONNECTION WITH THE SALE. MORTGAGOR EXPRESSLY WAIVES ANY AND ALL RIGHTS TO PRIOR NOTICE OF SALE P.LTi.J ANY AND ALL RZG?-ITS TO PRIOR IiE'.1RING IN CONNECTION WITN Tfin SAL3. OUT OF TNE PROCEEDS OF SUCE SP.LE TAE PRINCIPAL PMOUNT OF TAE LOAN S?iALL B� 9AID TOGETF?ER WITri ALL LEGAi COS�S AND CH.ARGES OF FORECLOSII?2E WITH M�XI�.viL'hl ATTORNEV�S FS�S PERN7ITTED SY LaW. IN TH5 EVEN^ 0. DE?A'u'�^, N!ortcaaee, _� it int2nds *_o foreciose th'_s Mortgage, agrees co giv2 Mortgagor writ�en nocice b_y certi=ied mai= co the address of che mor�gaged pro�erty whic� snall specify: _. The natur=_ o� th2 d2faLic O'_' L]Y2cC: ; Z. TRe dCi.10= �2��1_'_'2C i.0 .^.11='E �."!_ QZ'ZL'IC O� .�"iT-'E"dCP; 3. A dacz, no _zss �han 30 days =rom thz da�e o` no�ice, by wh�c� d=fault or breach mus� be curec; _. Ti'nat iailure to cure zs sp2ciiied may result �n _or=closure; S. Ntortgagor's r�= to r_�astatz subs�au=n� co cor�mencemzat o'_ the actior_ co `oreclose; az=, 'o. N'.ortcacor's rig^_ to br_nc s��c to asser*_ *_^e r_onexiste^.ce e' a de£ault or breac� or �.. _a:s� a�v o[n=r de`e�s=_ to °or=c=os�.:re azc saie. ::03??=�03 ?_C?JiCw-3�G?S _ __' ' '_., _5 =_ __` _ DOC��LV^ =J,� _''_'_ 3=?C== SIGNING ••G3TG?.�:03 =._ r�-.== :,_-:.._.__OC: _:_n -n��'.S =\� �C��_"OVS _�..�=ti, __\� _:.� �IGY^_S :I==�c.., r_H�n3c ?�� "n _"n.._ .,= S�C= ,,:=.3� �:? ==.5 �.�.:..__ _�.;-_ �..�'�S3L TO _"__'_`: �.:' '_r.'.' _"_ '�:�_--,._:_. __..-_' -�� _'_ r ..r 5�_' __r".. q�'-35 J IN WITNESS WHEREOF, the Mortgagor has caused this Mortgage to be duly executed as of the day and year first written above. (MOrtgagor) STATE 0= MINNESOTA) ) COUNTY OF RAMSEY ) The �oregoing instrument was acknowledged be£ore me this day o' , 1999, by Notary Public Drafted by: OFFICE OF' THE CITY ATTORNEY �00 City Hall 15 West Kellogg Boulevard Saint 2au1, Minnesota 55102 � v�i � �� 95i?5' �Z��9) � . � � t � � �,. , � �� : �,: - ,: � �, � � � ` � SZI3�N�S 3'O Q�Q'IY�t?IH N�d �iIHS'?I�SY\I�;Y�I �NO ;' �, ` I. "� I � i , I. � I�� '1 �� i � � a� �. . _ ,_ � � � _ � _ �SPARL:�� PQ �oX 1633i ' � � � �� ° � r ° ��` � t 5 . _� . 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W %`� a �t �/� � �� h';I z ` o e �`� � o r y ° I i G ��:�� o � v y >. � � ro o � m � � ��.': y A m o o v � R �n .� �' � v, � P, � .� u v 'd � u �n o C v C' °� ca ��`a .. '�d no pr O OJ `,�. U� Q� � O Q � ia O�.� v� y 1 qp C'� v C p "� �n ,� .uQ > G ,-�. �a F� N 4,C N �' J. ,1] 'LJ R ~ �L E 'd N N U -+"�+ � y m v o o� a" o v u C?��.n� 3 °�>;-� c��i, � q�° k aGi �' a S=' d'C � � � � v R o 'C °� �� .0 N �..v+ Y N v �, �y+ E�� o P. z ro a Y r. o� � v o � v o"i � td ,� cs v �� u C o a�i R. O �. N o �... H o u.0 3�o .. a v� o� � � FC 0 H � � � V �. N � �. � � � � � � � � ti � M � W H �O N z '� � N � 0 ln � N O H -� .. M �o � � � �D N v � � J+ N r. .a a P7 � u1 � O � C � � U O �"' N � ❑ �' N ^ O . w x � � � � u R P+ R �a w v a 3 �; O � W x F� w O W V w W � w x F+ � x 3 � v � ,r p� .L v N " o � ° o v u � �n ❑ � � � p O O K b � � � T � A � O u pp � N P� N b � t. � aA�x p q o F " O ,L' � � ''�' Y CJ M � � a � a G � P. d � u �u b .0 0 � 3 O � u .�+ � u N � � N �� d� u "� G� � :J u �� ao v C C C � � � 2 � �� a� T � �o c; � � v � .`�. O � i _ _ ___ ______ Dear Wo+i�1aY w wd�s a Y� usipbburbood bsttar `�'`�� OROAN AREA COMMUNiTY COUNCiL 1a19 Low�y AwaYS North Mbw�puYs. Nfw�sNt� SS411 t61Z) 521•5436 Re Propsrty at: 3017, 3019 FraJnont Ave. North The Jordan krea Community Council has launched a major campaign to bring poorly maintained properties up to naighborhood standards. At a recent neighborhood block meeting your property Was idantified as one of the neighborhood's most pobrly maintained properties. The complainta includa: 1.' Front door is missing 2. Garbage loose throughout yard 3. Iawn is not maintained 4. Exterior paint on tiouse and garage is cracked and peeling 5. House and garage exterior has trim boards that are rotting or missing completely 6. Shrubs are overgrown 7. Retaining wall in front yard has collapsed onto sidewalk (continue� other ide� The campaign to bring thesa poorly maintainad propert es up �o eighborhood standards was kicked off at a mejor communitY Rai ville a d WhitaY The residents; Mayor Fraser; and Council Members Hilary, officials committed to using every legal means neceasary to bring poorly maintained properties up tha standards ezpacted of everybody else. JACC� the City, and the block clubs ara cooperating in thesa important projects. We ur�e you to joir� us in improving the Jordan Neighborhood. We are referring this uiatter to the Inspections Department to ensure their prompt follorrup � the property. Information on rahabilitation grants and low interest loans is available from JACC at 521-8436• Sincerely, •.�ii� sirs. �o.+..�a�oO+ kwr �oao�w �a�+ co�uarunr couNCa 1i�9 Lov�� Avwr Noni M�a�olis, lli�ao� Sb421 (6t?J 5=�-i4ii YES, I will he�p JACC's "Dirty Zhirty" campaign.ta fight problem absente� landlords: I will; � ...�.Hei�, li�ne np a�ting on my block to pick.t�ouse<s) •for "dirty thirty" li.st. ��. Get invalved in the ,TAOC Isseres Cc�ittee. G9-�s� !� �Pass out f lyers oa two blxks so my neighbors will ia�os�r about the �y chi�y �. . . _� Type letters listiag block cozbceras to t�e sent w�-oi�tem abs�tee ].aixllorda. . . . 1�tAl� ' � � �.�ati Qwstimt aod Comrntsi �_ ,�► a: A: �, , . �� 9��sq Qu��►o�lsA� S�� s� 1R � 1R HAVE T'dE "�IRTYTHIRTY" HOUSES :SLREADY BEE CHOSEY? iru: ill airty inirty" nouses Will be cnosen at .iACC sponsored 61ock meetings after the January 24 Public Meeting. Q: w'HAT C'.Z?E.RIA MUST A HOUSE '!EE? TO BE ADDED TO TFiE "�IRT7 THIRTY" '?ST� A: e nouse must oe selectea �arou¢n a oiocx meetzng, �e priva�e absentee Landlord owned, and have at Ieast one aousing code violation. Q: HOW C�V +R' BLOCK ADD A HOUSE "0 '*�TF "DIRTY THIRTY" T TST� A: Sign up to notd a blocx mee�zng ac tne Januarq 24 meecing, or by =alling the JaCC office at SZI-8436. Q: WILL .:�CC i-IELP WiTH MY "DIRTF '"!IT�T'Y" 3LOCR MEETIVG? �: .�eiore cne meeczng, �ACC xiii pass out tlyers and doorknock :ouses to heip insure a good turnout for the meeciag. At the meeting, JACC wii: =xplain the "Dirt: i?:irtn" camnaign and !�ov cae block can add a house to the _?st. .�fter the meeciag, J,1CC wi11 keen all peooie attenaing the �lock meeting iaiormed of deveZop- ments. THe block wi1l monitor imnrovemencs made. Q: 'dFTAT �flES THE JANUARY 24 NEL�'T'?SG :iAVE '"0 DO WITH ?'?iE "�IRTY THI�?"_"' ^ _a1�lPAIGY? A: ur e:eccea oziicials, �ae r.ayor ana �ounczl .emoers, sirect c.t: agencies sucn as iaspeccions, :he legal denartaent, the police and o[hers invoi:ea in the dav to day =*forts to get proolem pronerty cieaned uo. This ma�or �u�1ic meeting wi11 demonscrace to officials �7at �roolem aosen�ee lanalord housing _= a maior concern to t^e .:ordan :leighbornood, ana to ootain a committ-:ent ?rom che�e oificials that every s*_eo necessary wiil 6e �aken to insure that these houses ar= �rought uo to code. Q: WHAT '.iLI. 3E DONE [JITH ?'� " T' T Ic�r'? a: JACC :ssues Coamittee researcr. ioimd that a syst�n oi tickets, �'_::es, warrents tor arre�cs, and even jail terms are already in place �o force prooie� aosentee landlords to f'_x uD their property. However, �oo otten orobiem nouses ge� "iost" in the over,.roriced bvreaucratic syscc-m. Bv zaining the support ot Cit? oiiicials to �aice tne "�irty i.:i__y" list a oriorit•, ana w�.e coRmittment oi neiQiicor� to roilow ua on t:�eir pro3ress. ::;CC will uroric wittt blocks to force landlords to orin3 "Dirty Tnirty" List houses up =� code. Q� T� ��T�VME^1T OWNm kOUST`G �TG'�LE ��R �iE LT�'I'? a: V0. ::e �mow nm-down gover.^tenc owned 'nousing is aiso cited by .�=idents as a major nei�:�orcood DPOD12R1� but the strateQy ror �oinQ arter the gove�--ent as landlords is cii°>rent than that ot private Iandlords. You can't throw nt� :n jail. The Issues conmittee decided it :�as cest to imorove orivate landlorc �rooerty first, and _=_n deveiop a difterenc strateg;� ofr nm-down �overnment hc*.:=ing. Q: 5�HI' =' � aknaT F*f 4BSEV'I�E I,�`1DIARD PROPERTY? :�: JACC :alked with hundreds oi nousenoids, met with 3locic Leaders. and block groups, anri :.as gotten feedbacic at aenerai and issues camuttee meecins_. croblem absentee landiord housing has reneatedly been identified by residents as z con concern and f:TMa ^= ��scabili2ation in the neiQhborizood. �0 Ca�'' ��. �"��w l��r � � N YO�IRNE1 G}1�1�1JDr , � �� J�� q�l-�3s 9 �!�wsr.�� oF T-� .roxna�v a�a ;,��rn,�vrrr cccnlcu, JAIViJARY 1989 FIG�T PROBL�1 ABSEN LA�TDLOR.DS .' � , � �,N ��z- T �(,� CK OF� ��c - � iR^ "/ 'r H+R' � C ��"�PA16� _ � � � � � �- � � ��:�� . � �UES�AY, �t�� . 2�: � : �� S�, ��ti�E. � S .� _ ��Ul�t' � _, 2�� ue`� ��rE � �� r5 � eCT� no ,, , � '�t- t� �af��K °l i "�i.e vor a.a+� Gto%�f�ori�OOaC �� ?QThG/' � � , l� ��D/� �Or ±i+Q �ii��r�rjV �wrt,�Cll4rt. � M_4YOR DON �A,S�? � [�1vc�L �� c,��, . Y 'CL�ICIL `�!�'.BERf�LZC� �. �i�iB�UAN r,�.H�' = :35 CcE.^. _7L�3Q1R2 C.'7COLI�iC10llC �'� .*.�lc'Ll- a:oa ct - :�:.'_ ;;ZR"IY =:IRTI �,. -- a �e �i:ry �ir.y 3L2�Y G �:cALZLV cRQ Z.:.DrOVE C.'.� �'.��:V ' C2tiR?31�: :vZll �:-0V2 SOII�idLG :A ::'O �-iases over �'lE "-.YC .:.OIiLh fi[7Q d C,alL. SL 'a0.48 iar,dlora owned �r�:.�=__es iA =^.H �;�_L. :.'I8L'8 �'lll .�'.2 d "..: 17 r.e�:c�c%o ::IE ti1CK-OLi �: "IS �u- � -::DL1C .:�eci:.� pI1 ' .;3I1t2dT:' ?µCll C,^. 5d1R ::.= S:IDDOLL JI -. gA ::Lli :2�:,EL1 uC n CUD11C ::E8C1'Z .:1 ,i3IN3=V OCL :•:•• _ :� '.Tl2C.Z :1��. :''3VOL :�2SEr. =.'IQ �1II1- � 1S LOr :hE C.i�.'iLa�<. �:12 i5SUE5 Ca�cmit:_e wili asic ccac "-t•: P.�ir:v�' --�-_ :.emoer= ��rv, :ainvillz, .� ;:ni:: .-ave oeen erras ;,e a�are� "� _ � ' iLea. =:ority ;roole�s coori.i:ccti: <:� the neighborr.00a a:,a a�tEndin: erai .:ee�z:as, oiocx ciub 5a�ner:-�, and J�CC rc -ee�:-�s, ..^.e .iaCC ��sues :::.:ni._ e :nemoer: rred �-aL -ei�noomooa peooie _�eat:t�; �rob- 3DSERL:2 _aL7Q10rQ ,^,LODErL�25 d5 _ _:3Q1I7Z 32 Ot = C�:ERIS dRQ Q2aCd0111ZdC_C.^. S1 L^.Elr :es• .:a =a-mutee cnose �r.e =_r ��ir=v :aicn as a ::ay co C3L::LC ::lE '+OL__ ,..^. xr�ies. i�n .;anv __nai�ras are nara::orx_: z �e�oie wao � �ooa :.�ce oi tneir �roperc_=_s a..a :.arx ::IIH •= Lc�L122:�9, �.:DDIEtA :10.SELiCE°_ idGCiC �s are .aer scc�:. �z c.e ,,oraan ne�anor-;cc. ,, .i � � ; ._ secc.-d cnase rescs _- :;a nanas oi resicencs :eonie are encouraqea _., :,oK arocu�a G'ieir own oloc:c: '_s chere a=_�xrcy chac snouid �:.EC4'7E 2CL OL ChE I]IL.': :11=.y' 11SL: `;�'j't,; TO CUdl'atl�� :.~e OL'O.'..E�_': - �S� � absancee ewnea, ana a neecin2 -..:s= :.a r.eid c.n the blccx _� necea:une .ne�-_� _zis i; a oroo- '-�n :... �Ze ent b1GC:;. � -�CC .iCdIL DEODlc �zil ��_:� flyers ana -s,� �ooricnocx on your ciccx _' fou e:ould liice :� ;zil a bla.k n�eec- in3• �.ocx 3rouas wii; a:so nein ;nonitor 1tLOLOVE^.IfRCS made cn G'.c �:7�RLLY QUL2[L;, [.^.E .^.3111D31Z:1. � � *i 99�� APARTMENT PROPERTY TAXES Prepared by Jack Homer Minnesota Multi-Housing Association 612-335-3511 1-27-99 INABILITY TO BUILD NEEDED APARTMENTS IN 1VIIl�TNESOTA CREATES CURRENT AND FUTURE SHORTAGE • Approximately 28%ofMinnesotahouseholds live in rental housing, and about 1/3 in the Twin City Area. • Economic growth, demographic factors, welfare reform, etc., create continuing demand. • Current apartment vacancy rate in the Twin City Area is about 1%. Evidence indicates a very tight market throughout Minnesota. • We aze falling behind by several thousand units per year in meeting the projected needs for new apartment construction. HIGH APARTMENT PROPERTY TAXES CAUSE RENTS TO RISE. ADEQUATE SUPPLY KEEPS RENTS STABLE. • Rents rose less than inflation during 1986-1994 when there was adequate supply. • High property taxes cause rents to rise according to a 1993 study ordered by the Legislature; Rental Housing In Minnesota: 1990. • Minnesota tenants pay 65% of the property taxes according to the 1997 Tax Incidence Study. MINNESOTA'S PROPERTY TAX SYSTEM IS A MAJOR CAUSE OF THE APARTMENT SHORTAGE • Minnesota is alone among the states in this severe shortage. .. ,� . 9r �� y. NIINNESOTA'S APARTMENT PROPERTY TAX SYSTEM IS GRADU- ALLY MAHING GOVERNMENT THE PRIMARY FINANCIER OF APARTMENT CONSTRUCTION • In 1998 aparnnents paid $229 million property tax at an effective tax rate of 3.8%. At the state average effective tax rate of 2.24%, apazhnents would pay $135 million. Therefore apartments overpaid $94 million relarive to the state average. REFORMING THE PROPERTY TAX SYSTEM IS A GRADUAL PROCESS • It must be continual. • It must be significant. • In 1997, the Legislature reduced the apamnent class rate from 3.4% to 2.9%, a 14.7% decrease. Actuai taYes paid by apartments in 1998 dropped 8%. • In 1998, the Legislature reduced the apartment class rate from 2.9% to 2.5%, a 13.8% decrease. Actual taxes to be paid by apartments in 1999 aze estimated to drop about 4.1%. 1999 GOALS 1. Reduce apartment property tax rate to 2%. 2. Expand delayed assessment for apartment rehabilitation. 3. Extend limited mazket value to all properties. � � � a� � � a� � � W �/ � �� V 1 � � � � � � � � � � U � G .� � Q C .� � L � � � � � � r � Q \ � i 0 � � �9 ��s 9 � � � N � �� y � r � � � � � _ � � � � _ ■� 0 � � � � 0 � �_;: {:: t'; - r:;' �; �; . ;, �; "�;�. ` '{; �,��. _ F , 0 �, �� M � o • r \ 0 o p � ,�. L!') o \ � �> � � O � � � � � t0 � � � y.+ � o �. � o � "'' � C.� .Q C � 4 � r� � N C L O C� � � � i . X � � N N � � V W � � � R � d � � C R � t� .4d = � L � � � � � 0 � � � � a > � � � � �� ■ ❑ ,� � _ � �9-�� y W .� � W � !"'� � l ��"�i !�y �V r � ^ �/ < � � � � � � . 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PAUL : DAYTON�S BLUFF L ndale's Lessons Y A commt��iity organizerfrom the Minnenpolis neighborhood i.s brirtgrng hi.s fnr��iu(u fol- positive communiry change to the Dayton's Bl�iff urea of St. P�rtd. is is a neigh borhood wher people ca Find a sense o involvemen and feel the are making a difFerence, says Joe Barisonzi, executive dirnctor of the Lyndale Neighbor- hood Associalion in Minneapolis. Wilhout a sense of community owncrship, any grandiose plans for redevelopment or revitalization will collapse, he said in an inter- view last w¢ek al the offices of the association, which gets much o( thc credit for a turnaround for the once-troubled Lyndale neigh- borhood in Sauth Minneapolis, I�or six years, property values in th<� poverty-plagued 54-block neighborhood BY 1�ARL J, Wenl downhill 1�ARLSON until the trend eversed two �i� �jears ago. ��i<ui u Crime was a part of life but has now waned, and millions of doUars have been invested in develapment. f3arisonzi does nol take credit for all the progress. "I.ow interest rates has much to do with rising property values, and a neighborhood organization by itsclf cannot do everything,” he said. "To succced, you have to involved evcryone." Rul last year [�arisonai and the I.yndalc Neighborhoocl Association won a $100,000 national award from the Uo Something I�'ounda- tion. Now several Sl. Paul neigh• lorhoodx �rc U,ying to tap inlo ume of this su, cess. .lohn Vuughn, community orga- 2fi;n s�: N ✓+ y N ' �� a �','� ,�:�`gro:�.�.r� �+ � � ii7� i� a? � S ' ��. ��^'L1.d"i.�: ,... ��,..�.�,�».�...��,�.�.�� ,.,.,��,,.� ,:�L..":.., "" lakrSt F � y �� ;, 315' SI 'seh� nizer for St. PauPs District 9 Com e munity Council — the Dayton' n Bluff area east of downtown f said Barisonzi is working with th t dislrict and community council y members to bring his techniques to St. Paul. "He has proven solutions. He has accomplished something," Vaughn said. Financed by a $5,000 grant from the SG Paul Cos., the Lyn- dale Neighborhood Association staff has worked with Vaughn's group and the Merriam Park, Thomas-Dale, Lexington-Hamline, Snelling-Hamline and Summit•Uni- versity community councils. Most of the work has dealt with making block clubs successful, but Vaughn wanted to get more out of the relationship. So did Barisonzi. He said peer-to•peer training and having volunteers from the two cities meet make them under- stand that they are not alone, that what they are doing and what they face are problems and solu- tions that others have faced and used. Vaughn and Barisonzi said Day- ton's Bluff has some of the same problems Lyndale faced, though probably not as extreme. These include probiem properties, crime and flagging citizen interest. "We have 45 block clubs on the books, but only 15 of them are active and only about half of those are doing positive things like oega- nizing cleanups," Vaughn said. [3arisonzi said block clubs were originaily created by police to help fight crime, but he believes they can do much more. He said a serious problem with the clubs was burnout. One person was des- ignated "leader" and eventualty A tale of two Neighborhoods 32n0 SI � �.� :°; � � ,., � � 33iU St " ' lyndete � " ;; School 3ath SI. . � "' LYNDALE � �� .��;�. 35th St. � �g NEIGNBORNOOD ; � �_ 361h St. +�fu? LYndaH � '' dNdl �r� 11h detall araa "�� ;� � DAYCON'S BLUFf '''`;�'' NEIGNBOaH00D / � PIONEER PAESS - all duties fell to that person. s "Picking a leader was like say — ing, 'Who this year is going to e spend all their time at this?' " $arisonzi said. � To avoid this, block clubs in Lyndale have "contacts," not lead- ers. The clubs also have "con- tacts" for specific topics such as crime, safety, arts, education, environmental issues, and youth and family issues. He said that in 50 of the 59 blocks in the Lyndale neighbor� hood, there are at least three "contacts" — meaning a grass• roots organization of 150 people willing to help. He said that because each deals with one topic instead of everything, they don't burn out. "It means, maybe, four litera- ture drops a year instead of hav- ing to go out every nighf with the safety patrol," Barisonzi said. ' This works. It is sweet." Vaughn said Barisonzi and his staff have advantages when iC comes to helping Dayton's Bluff. First, they have proven ideas; sec- ond, they are outsiders who can say things and propose ideas that may be counterproductive if they came from Vaughn. They can say things withouf suffering backlash," Vaughn said. 6arisonzi said Dayton's Bluff has a lot of natural attributes — like its geography and street lay- out — that make it ideal for strong neighborhoods and organi- zation. "And there are lots of commer- cial pockets which form centers of neighborhoods," he said, noting that the pockets can be used to test organizing programs. But Barisonzi also said efforts must be made to engage all seg- ments of the community. He noted that at several meetings lhis month in Dayton's Bluf(, there were few renters and few young homeowners in attendance. "These peopie are assets and part oF the community. They need to be involved, have sense of ownership of their neighbpr- hood," Barisonzi said. "There is a greal alienation with the federal and state governments, and peo- ple see city government as too complicated and too controlled. It is their neighborhood they con- necl with." Karl 1. Karlson can be reached al kNarl• son�ploneerpress.com or �651) 22A 5260. � 9q �s y � io¢ oocn i�, v u, ��. ��: loe Badvonzl, executive dlrector ol the Lyndale Nelghborhood Assoclatlon In Mlnneapolls, is shariqg his knowledge wlth community organlzers In St. Paul's Dayton's Blufl nelghborhood. "He has provan solutlons. Ha hae accompllshed something," says lohn Vaughn, organiier lor the Dayton's BIUH community councll. � N'O �v v w �e „• �. a c ,.3 ,�.,, 'O > > /D � . 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The purgase of tre meeting was to discuss ±he costs of development with homebuilders end finaaciers. The goal is to find ways to make the homebuilding process more attract�ve for deveiopers. Invited guests incl�;ded pzvate an� non-profit hnmebuilders and finance sgecialists. In ATtendance :Ylike Olsan, St. Paul Area Associatioa of REALTORS� Ed 7ohnson, �Vest 7`� Federation PauI Schmidt, St. Paul Associatien of Resisonsible Landlords Jeff Petarson, St. Paul Chamber of Commerce Jon Cruumann, St. Paul Public Housing Agency Steve Johnson, Minnesata Multi-Housing Assocfation Karen Christofferson, Builders Association of the Twin Cities Dave Thune, City of St. Panl Housing Information Office dohn Periard, SY, Pa1 Area Assn. o£ REALTORS`� Guests Kashy Lsntry, St. Paul �Ciiy Council Jer.nifer Billig, St. Pau; City Council Staff Doug Kampsen, irwin Mortgage Kit Hadley, Nlinnesota Housing Finanoe Agenay John Mathem, Mendota T�omes Greg Handberg, Twin Ci�as Development Corporation Unable ta Attend pick Anfang, Building Trades Matt Anfang, St. Pau1 C;hazriber of Commerce TouMoua Lee, XIM Metro Realty Pa�rick Loonan, Capital Ci1y Parm�rship Gtoria Bossia*_n, Fannie Mae Minnasota Rod 7ohnson, �Jilder FaunrlaYion IJick Zehring, Weish Develogment �ohn Periaed gave background or the reasoning behind craatiag a housin� gouF and its formation. �ave Thu�e alsa gave information on tfie gzoug's goals and meznbership. John Mathem stressed th� importance of Council s�.�pgort in the develogrm�n! process. fs"e out�ined the �ro'�lems ovsr dcnsity issues, and that density was always a negative wiih surrounding neignbers and businesses. He has been able to successfully bui3d homes becausc the hoz real estate mazket has sustained the cost of devslopment_ h"�FIFA has bern fi:nancin$ new construction of rental in ihe suburbs. In Si. Paui, much of tae;r financing has been for rehebilitaiion and home ownershig. ICit Hadley se�essed ne:ghborhood politics as an issuc in building new construcrion in the ciry. She aIso recogni2ed a void in the ptivate marke: far new canstruction a�-�d feels tFat economic growrh RPR-27,-1°99 14�11 ST PRL'L ARER REALTORS 651 �74 1177 P.P�/�� . . ; �9 3�s q is the key to affordable housing. Empioyers need to iook a*. housing issues for employees. Someiimes expansion decisions of private business degend also on housing availability for employees. Gr�g Handberg re-iterated the density issue and the problems with `?vi_^.�by-ism" (23ot in my back yard} in t�e City as compazed to the suburbs. Tennifer $illig outiined the complicated cify process for development (i •e cemmunity groups, city licensing, neighbors eta)_ She felt that the process was part af tke problem. Karen Christofferson re-iterated the problems with density issues and L�e problems created when public policy meets w�ifh economic forces. The polirical process in tAe city ma3ces development difficuit. There are increasing pre�sures placed on city councilmemoers in all directians. What can be done about the bureaucracy and how can our goup botster the political will for development. She a3so stated that the affordable housin; groups need to help with overcoming density issues. John Gutzmann mentioned that there are aboaz 4,3001ow-inoome rental housing units in the city. Jennifer Billig felt that people with capital arzd controi capital have to have a voice and say that we need mofe housing. Kathy Laniry mantioned the frustation which comes when one persan in the community can have the power to stop any initiative from moving fonvazd. She aiso stated a frustrativn with people who do not recognize a housing crisis in St. Paul. Dave Thune felt that I3IMBY-ism isn't al�vays bad, especialiy when development daes not stylistically raeet witti rhe surrounding neighborhood. Need to look at design:ng areas that are in sync with neighborhood. John Mathem is itnpressed with the number of Bsby-Boomers moving back to 5t. Paui. I�e receives phone ca11s from the suburbs every time a naw developmen*. is e�er. suggested. His suggestion is to heve Councilmembers be mare adamant about the neighborhoods working with developers. Jon Gut�r,+a++n felt that the �+t,TOtt couununity could play more of a role in Yhe home buitding pracess with the community. John Periard gave staristical information on the aumber of homes availab'e in St. Paul. He felt the ksy io addressing a rental housing shartage lies in moving reniess intc homeownership, whieh frees-up rental uni�. Steve Johr.son said peopie who wa.�t to do deveFopments of renta? in St. Pal say that it is not economically feasi8le. Tazc rates, fees, cos�s to build (i.e. s�eet rock). T}aere way mention of a naw energy code goin�; into effect on July 20, i999 RPR-21-1999 14�12 57 PRUL RR€A RERLTORS 651 774 1177 '' � 7on Gut2mann is pleased with Minnesota's strict building code, which helps with quality compared to other parts of the country. Jeff Peterson mentioned that the Chamber was working on a survey of inembers in Midway and East Side Chambers on affordable housing issues. The meeting adjoumed at 1;30pm. FOLLOW-UP: Dave Thuae is John Per available to on .�:1 P.e4ieC q� �� y TOTR� P.9= APR-02-99 FR[ 11�20 ST FP.UL ASSOC OF REALTOR FAX N0. 6127741177 P.O� �� How car. we idcnti�r gn�-fiuidi�g sourc�s that couJG ma:ta new constrvction oi housin� realisac for developer.? Are there ways to snnpIify the process of creating new housing in the Ciry? �tihat can be doae about the _t'inancia] bFSriers to c:eating the aggressive aumber of new units being propu�cd by the Ciry, i.e Soii conditions? How can we make ihe crearion of n�u� ? in St Paul an acrractive investmcnt for potential devcIopers? What products arc available in Lie private Sector for Qeti�elopzrs of housing'' What resourczs do hous�ng financiers and developers hava at the City? What housing styles are most wmpatible with aclieving tl�e City's housine goa!s? VVI�at are the financial implicarions of:ehabbing existir.; hoL'sing, raYher thttn biulding r,ew? �-Tow can the Ci.y assist devatopers and financiers in the achieving its hoLSing goalsl �� Rq3�9 HOUSING INFORMATION OFFICE Services Information Resource: Provide service to PolicyMakers, other agencies, and the public by making available information of interest either by compiling it internally or through links to other information sources. Provide info to others tLru publications, newsletters, W W W, fax. Demographics Market informarion Forecasting Technical assistance to homeowners and property owners finance neighborhood factors city codes and regs social services loan and grant progams Housing Counseling: Provide one-on-one counseling or personal referrals to individua[s. Housing seazch and placement Credit rehabilitation Mortgage foreclosure prevention Emergency shelter Metro-wide placement and coordination. Housing Link site Training: Pravide and partner with others to provide latttllord/tenant training workshops in Rights and Responsibilities. Whereverpossible, strategrcally target audiences to have better and more concentrated results. Achievement Plus neighborhood team Tenants Union - Tenants Screening Advocacy Project St. Paul Association of Responsible Landlords joint training and link to tenant advocates. Senior Housing Advocacy Group: Assist and provide expertise to advocates and providers ojsenior citizen housing. Assist them in conveying their advice to City policymakers and administration. Market Financial tools Impediments Private Sector Housing Review Group: Assist and provide ezpertise to advocafes and providers of housing. Help develop areas jor inquiry and assist them in iheir deliberarions and conveying their advice to ciry policyntakers and adminislrarion. Market Financial tools Impediments Partners: State Demogapher PED RamseY County Duplication: none: consolidates info sources Partners: Housing Link,Overnight Shelter Boazd,PHA,Tenants Union,Achievement Plus Duplication: Housing Link agencies, other non- profits Partners: Ramsey County, Spazl, Tenants Unioq Achievement Plus Duplication: Ramsey County Attorney's office Partners: Senior Federation, Mayors Advisory Council on Aging. Duplication: none Partners: Board of Realtors, SPARI,, Multi- Housing association, Fannie Mae, Chamber of Commerce, Building Trades, others Duplication: none �ti� gg �� HOUSING INFORMATION OFFICE Services Emergency Shelter: Assist and provide expertise to the various providers of emergency shelter and bansitional housing. Assist in developing procedures and policies to meet the need for emergency accommodations in disaster situations. Ovemight shelter Transitional housing Disaster assistance and follow up Disaster relief planning Fair Housing: The City oJSt Paul advocates and enforces a citywide "Farr Housing" policy to ensure that housing is sold and rented without discriminadon toward any protected class. HIO is currently working with the city's Human Rights office to explore a broader role in identifying offenders, and proactively providing training to landlords in the legalities and responsibilities they must abide by. Housing Development: The Housrng InJ'ormation O�ce will occasionally become aware of developments and development opportunitres because ofproximity to providers Where appropriate, the HIO will encourage and advise developers on known resources, programs and implications. HIO staff will advise appropriate adminisbation, agencies and policymakers of these communications so that jollow up can occur. Additronally, HIO may actively assist in the development ofhousing opportunities where working relationships are established and they coincide with city policy. Partners: Ovemight Shelter Board, Catholic Charities, Ramsey County, Dorothy Day, SPFD, Red Cross. Duplication: none Partners: Human Rights Department, other non-proSts Duplication: none Partners: PED, Aousing Deveiopers, Properiy Ocvners, Neighborhoods Duplication: PED until hando8' dt:04.99 qq359 � 0 in� Y.','Gd FO� .4c::" F.dc:�✓ �TULL51II� F'(llll7il Fnday. Februarv 12, iB99, 12�0o P,L{ L`x:ivcrity Club oF S!. Pasi Fre;Pnt were• Dick Ar,fang, Buildino Trades Matt An�ng. S:. Pa_�l C2,arnbEr c�f Com.merce Iia e�a Cluisruffr�sini, B:dlcicrs As�ociafion of the Tivtn Ci!ies E3 3ohnson, �Vest 7 � Fede:ation Rod Johr.son. «'ilder Po�r_dation Ste�•c 1c'rmson, Minneseta :vlulti-HouMng As;ociat�on �Iicitael 01sen, St. Paui Area A55octation of FZN;AL'I'(JRS' IoLn Periard, St. Paul .4rce As>oCi•siion o.`RFALTORS" Paul $chraidt, St. Pau; Associat.c,n u� Rcspotisible iandlords Ua�c Ti:une. Housing Inf'vc7nalion OCfice, City of $t Pat; Dick 7_.ehring. Wclsh De�eiopmer,t Crsest: Bob Kvssier, L�cansing and Loning, City oFSt. YauI Un::blc te atte:id w�re: Ciloria R:�.trnm fFannie Mae), Jo.^. Gutzmana (Public Housmg ,1�ency), Trn� A4oua Lee (H:v1 Metro Rcalty), Patrick Leonar. (Capit�l City Partnersiiip). Da�e T,:u�c gate sone 5ackground sd ze,sonine ou �Nhy a Uus.ncss;e;ity partne:sh�p couid be b_::C{ieizl ior howivg in St Pxul. He sited �he ncec `or lhe expertise o* the pricetc sector :n ine n,�using prccess anu in marketinG the Gty. ITe ;�ated that the meetiag's pu� .�-as to exptore �4hether busin:ss leaders agreec! ths*. sceh a^ruup cou13 bo:s;ez the housing ma, - kec. Th�e ctai� Maycr Co:eman's co:nnu�inenc te proc�LCtr�g Substan:i2liy riere housiag iu zL pr.ce renges to meet f�9e market. H : alsn eutG•�ed sare barc^ezs to new housin� being built in S:. Yaul, includin$ cons:ruccioa co�ts a;.d soil cenditiozs. LSichae; O�ser, ciscu>sed the Kfi.�L,TOF.S � commit �:ent to iacrc2sir.g hou3ing 0000Runihes. The :ZE•�LTURS� anreed w si2ff the grour �h i:h thc ass:stance of tte CA?y Housi laion:�a[inn Offic;; HoS Ke:sier Qa�e a presentalion en tlie Busincss Ke�iew Councii, a gxoup fecn;ed on creating � cltme:: ir St Pacl st:itan�e for !he cYrwth olbus:re;s t`'lr F�essler stated rha� �o-ne ,s�ues cxam:ac.i h.y t! $RC came fie�:i ci,y e!cpar:mcr.b, [hougL mam were $RC 1mti2t:se5. i�'�? �• J1F then c�ascussed :nc rr�,:ts o: WT.t1.*.111OQ 3 bUJ11eSS GJRSOli1llR1 YO �'�-'L'l'S� ��OUSIR_ issues TLc,:tzjo, O�au� aeld.�essed in t'te mec[int uere z�-oidt�; dunliCauO*�, Ce �mn� t��e �iou.*.': ScOpC, d.'ir' 3 di5CUS5i07 Or pOtc:iti�l lscues t.� addrecc :1ti�o!d1�� Dup;iCation 0 Al; ��ecd oa tI:e ncec to 2voi�' ovz:iappi;LR wiih tz'F.21 �t1-z- volunteer grr..up D2*LOCfi]Pd. 325'as' Ros°Ibwr Avenue • Saint Pa.i�, M� _cs� ;?_2p(b � x�.q Phone• 612!77q-52�5 • F��r: 612/77e_; 177 • Ne': wwwspecr.co:-� . — E-rnuii spocr�spcar.co^�. �,��a ��iiti�uis •or� x�� ao��a �� oossa �na� �.s ��so �n� 5s-e�-��_ °f R E A t T O R S" � , S A 1 N T P w V C A R A A s s o c i a r � o a oF R E A! T O R S� iho V.�i;:e fn.' R�n� �..• - �9- 3�5% S.:UpC � Ihe 2ro�? siied a need to hzve more persors im olved from f:nancial insu?ur.cr.s to deal wili4 ccsts of develo�r.ient. • Tha:e tsas generally satisfaer.en with ke:pine thc group at er about thc cu.;r,u number of members. o Conoensus n'as that the group shau?d operate indc,�, ender.tly� cf 2he City. • Mcrr.bcn a�, ccd on focusir.g tha �wyc to tl,rcc ot fuur isiucs, wl;icli ihc �oup wo�Id address Pote;�:ial Issucs Includcd. • Addreasing ihe costs of dev;i�ipin� hrnuinv in the City • Crcatir.g incc.�n:ives for developzr:°nt nrld pzopeet}• mait;tez�uicc. • Sireamlining the devel�Pmrnt pxocess. • Revie�ving buildine codes fo; developmen:. e (mpact of site acquisition and soii enrcxrinn casts Th: �oup agreed to keep mcctincs to a mir.irr.um. T�ave'1'hune and John petiatd a�,*reed tv ko over the group's 5ugtesUOns and contact them aR.er re� ie�v 8�� 'd 325 East Rose qw,� Avenu2 • So�n+ Pn�,', Mn 551 17-2Cx °none 612,�774-52�6 • Fax: 512/77d ?:77 - Nei: ww�,V.socc:.com =-mail. sp;:c�rCa?s;�car.co^� z�tt�t�zis �ori xd� ao.��y�a �o oossa ��ad �s � � r - b5: ao �n� ss-e�-s_= 1• SAINT PAUL HOUSING INFORMATION OFFICE �/'�J y HIO's Response to Problem or Nuisance Properties: As a HLJD-approved housing counseling agency, HIO responded to 8078 housing counseling requests from tenants, landlords, and homeowners in 1997, and HIO responds daily to problem or nuisance properties by providing the following services: Rental Properties - Tenants — Explains rights and responsibilities of both tenants and landlords. — Informs Saint Paul residents of e�sting HUD and other rental opportunities; — Provides emergency crisis intervention for utility shut-offs, emergency shelters, etc. — Makes Housing Code Referrals. — Provides Relocation Assistance to Code-enforced condemned or fire-damaged properties. — Provides supplemental Relocation Assistance to PED large redevelopments projects such as Lakewood Apartments, Selby Dayton Apartments, and West 7th Brewery Project; Rental Properties - Landlords — Provides Landlord Training Classes to rental property owners who attend voluntarily or are mandated by Housing Court; and — Eacplain the rights and responsibilities of the tenant and landlord. Owner-occupied properties - Non Rental — Provide mortgage foreclosure prevention counseling; — Provide home improvemem loan program information; and — Eaplain city ordinances, such as Excessive Consumprion of Police Services Nuisance Properties - Community Groups & City Departments — Work with community groups such as Lex-Hamline Community Council regarding 1247 Saint Anthony; Saint Thomas College - uaining students on tenant rights & behavioral issues; and Daytons' Bluff Acluevement Plus Program by providing housing wunseling to parents of children participating with the Achievement Plus Program. r, q�_ HIO's RESPONSE TO CHROIVIC PROBLEM PROPERTIES HIO daily works with St. Paul residents, property owners, Ramsey County Community Human Services, social services agencies, emergency shelters, Saint Paul Foundation, and Family Housing Fund to respond to problem properties by providing the following services: Tenant & Landlord Rights 3767 tenants and landlords called HIO in 1998 regazding their housing rights and responsibilities. HIO answers questions on tenant/ landlord rights, fair housing laws, housing code and methods to address illegal activities, such as drug-dealing. Code Enforcement HIO often identifies housing code violations, when explaining housing rights to Saint Paul citizens. In response, HIO explains the appropriate housing code and makes referrals to Housing Code or Fire DepartmenYs Certificate of Occupancy, as requested. Relocation Assistance -(Code-enforced Condemnations/ C of O Revocationl HIO relocates Saint Paul residents living in code-enforced condemned or fire-damaged properties. In 1998, the City condemned approximately 485 properties, which may have required HIO's relocation assistance. In response, HIO works closely with Housing Code, the FORCE LTNIT, and the Fire Department. For example, HIO relocated the 19 residenUfamilies living in a Midway-area building after the Police FORCE Unit raided the building and the Fire Department revoked the C of O. Similarly, HIO relocated approximately 40 residents so the Travellodge could close, as City Council ordered. When providing relocation assistance, HIO often warks with social services agencies. For example, an elderly Highland Park resident was not able to maintain his home. HIO worked with Ramsey County Adult Protection to secure the social services so that this Highland Pazk resident could maintain his independence and avoid the high cost of nursing homes. I� 19-35q Communitv Organizations Currently, HIO works community groups such as the Scheol DistricYs Achievement Plus prob ams by providing housing counseling services to address identified problem properties. The School District recognizes that stable home environments are needed to promote education. Simply, the Achievement Plus Program hopes to reduce student turnover by extirpating problem properties in the Daytons' Bluff neighborhood. Similazly, Saint Thomas College also recognized the dehabilitating effects those problem properties have on education, as Saint Thomas College recently requested that HIO provide tenant training to its college students. Landlord Training Classes HIO provides landlord training classes to Saint Paul property owners of rental properties. In 1999, HIO scheduled six landlord training sessions, and typically, 10-15 landlords attend such meetings. While HIO's training promotes the availability of well-managed affordable housing, HIO's landlord training classes directly responds to problem properties because Housing Court often mandates attendance by problem properiy owners. Currently, HIO cooperates with City and County Attorneys, the Police Department, Code Enforcement, and Human Rights Department to educate landlords on tenantl landlord rights fair housing laws, remedies, safety and health inspections, and methods to prevent illegal activities. Mort *4�age Foreciosure Prevention Counseling Since 1991, 2016 Saint Paul households requested HIO's mortgage foreclosure prevention counseling services, and 843 households accepted HIO's intensive case-management counseling. The Family Housing Fund estimates that the average cost of a foreclosure is $26,600, exclusive of any negative impact on the immediate neighborhood. Overall, HIO reinstated 495 families in their homes, and Family Housing Fund estimates that HIO's efforts averted losses to insurers of these mortgages in the estimated amount of $9.6 million.