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10. t.a
Low to Moderate Income Estimates*
TRACT BLKGRP LOWMOD LOWMODUNIV LOWMODPCT
22500 3 827 1534 53. 9
22600 1 634 1028 61. 7
22600 3 693 878 78. 9
22900 3 94 153 61. 4
Source: HUD /Census D. I. 2000
LEAD -BASED PAINT HAZARDS (91. 205e, 91. 2151)
The City' s lead -based paint hazard reduction strategy is three -fold: education, testing,
and remediation. The education objective includes providing handouts and booklets, LL
specifically `Protect Your Family from Lead in Your Home" at City Hall. This year the
City will highlight the hazards of lead -based paint on the City' s web site by including . oa°
information that encourages children to have blood tests to check for the presence of
elevated lead levels. The testing objective includes evaluating and/ or testing for the 1
presence of lead -based paint for units proposed for painting and/ or re- roofing. The ° 0
remediation objective includes having a certified consultant/contractor remove paint and
repair the surface if such hazards are determined to exist on units proposed for v
rehabilitation.
Estimated number of housing units containing lead -based paint hazards occupied by
extremely low, low, and moderate income families: 3, 652.
Anti- Poverty Strategy ( 91. 215j)
According to the most recent Census data, two of the twelve census tracts in the City of
Fort Walton Beach have more than 15 % of the population living in poverty. The national
estimated poverty rate is 15. 3 %. The poverty rate of the whole City is estimated to be
10. 7% of the population.
The City is continuing to work closely with the several local organizations through the
CDBG program to reduce poverty. The City provides funding to these agencies through
the CDBG grant program applications targeting homeless, very low, and low income
households.
V. HOUSING
Housing Needs ( 91. 205)
Rapid population growth between 2004 and 2007 in Northwest Florida led to a greater
demand for housing which in mm led to an increase in housing prices. Many factors
contributed to the increase in development costs of new housing including soaring land
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1o. t. a
prices, decreasing land supply - especially in communities such as Fort Walton Beach
that are essentially land- locked and almost completely built out — and increasing costs of
material and labor. On the surface it appears that much of the existing housing stock in
the City, specifically the CDBG target area, is attainable, in that many of the homes were
purchased in the 1950s and 1960s and the mortgages have been paid — allowing
homeowners to " age in place" or, in the case of absentee landlords, allowing for less than
market rents. However, many of the older homes are becoming deteriorated and there has
been little reinvestment by the property owners. Many of the current homeowners are
elderly and living on fixed incomes so they may not be able to maintain the structures and
the yards. The owners of rental housing may not have the means or economic incentive to
reinvest. Rental increases necessitated by rising property insurance costs and property
taxes are passed on to the tenants, which may affect their ability to remain in the housing.
Changing demographics mean that the construction of single family detached homes may
no longer adequately meet current and projected housing needs. While the single -family
detached home will remain the housing product of choice for many, demand is growing
for greater alternatives in housing. The opportunities to expand the range of housing
choices are myriad and the City can benefit from a wider range in type and quantity of
housing choices.
Housing Objectives
Public Housing Strategy ( 91. 210b)
There are currently two City public housing areas in Fort Walton Beach: Fort Walton
Beach Housing Authority ( FWBHA) on Robinwood Drive SW and Germany Terrace on
Carson Drive SE, containing 50 units. The FWBHA receives assistance through the
Comprehensive Improvement Assistance Program ( CAP). The FWBHA has not been
designated as " troubled' by HUD. Also, the City is working with the FWBHA and HUD
on redevelopment of the Germany Terrace housing project, described as Sound Side in
the Affordable Housing section of the Consolidated Plan. The Sound Side project is
scheduled to begin construction in Fall 2012 with demolition of the existing Germany
Terrace development scheduled for Summer 2012. This development will provide 200
new multi- family apartments.
The City works closely with the FWBHA and continues to encourage homeownership
through the sponsorship and exhibition at the Housing Expo each year. The Chester Pruitt
Summer Enrichment program and after school tutoring are available and in close
proximity to FWBHA residents as well as the future residents of Sound Side. The City
also coordinates its transportation planning to help meets the needs of those who depend
on public housing. The City works with Okaloosa County to ensure fixed -route transit
service at the housing units.
Barriers to Affordable Housing ( 91. 220j): As per the requirements of the adopted SHIP
Affordable Housing Incentive Plan, the City will undertake the following actions to
remove barriers to affordable housing ( these actions will not necessarily be funded
through the CDBG program): expedite processing of permits for affordable housing
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10. 1. 5
projects, modification of street requirements; down payment assistance and closing cost
assistance; minor repairs to existing single family owner occupied housing units through
the World Changers program, which is a faith -based partnership; and acquisition of
property for low- to moderato -income housing through Habitat for Humanity. The City' s
Comprehensive Plan also outlines a Housing Element and a plan to provide for affordable
housing as it relates to local policy, land use, and zoning.
Homelessness ( 91. 205)
Under this category, the City will not fully undertake a comprehensive action program to
address the housing needs of the homeless due to the amount of the City' s entitlement o
CDBG funds. Unfortunately, the City' s entitlement CDBG funds do not provide
sufficient funding to directly manage and fully support this type of program. The City
will, however, support several operating agencies that are providing valuable services to ?
prevent homelessness and to assist those who are already homeless. The City participates li
on the Okaloosa/ Walton Continuum of Care Board and assists agencies who help the o.
homeless with expertise to address community concerns. The City will continue to work v°
Q
with the Continuum of Care to identify funding sources for an emergency homeless
shelter which would provide shelter for at least 50 homeless individuals. The City has
agreed to provide a cold night shelter in one of its community centers, if needed. Some of e
these agencies provide limited shelter and comprehensive transitional permanent housing
services to homeless families, many of which have female heads of households. Others
are coordinating housing assistance for homeless and at -risk families by emphasizing
prevention, shelter referrals, and relocation services.
The Okaloosa/ Walton Homeless Continuum of Care Opportunity, Inc. provides a
monthly forum in which community stakeholders, homeless persons, and formerly
homeless persons can collaborate on needed services and request ideas and help from
participating agencies. The Continuum of Care applies for federal and state funding,
which it distributes to service providers based on results from a request for proposal
process. Once funds are awarded, the Continuum of Care monitors expenditures and
program delivery, and reports back to the appropriate government agencies. The
Continuum of Care receives some funds for direct services, which are used to support
collective programs, such as health clinics, provision of bicycles, and other essential
needs beyond the capacity of individual members. Also, the Bridgeway Center, Inc.
provides assistance to those who have been homeless for at least a year, or homeless four
times in the last three years, and who have chronic mental illness and/ or substance abuse
disorders. Case managers link clients to housing, employment, benefits, and mental
health and/or substance abuse treatment. Lastly, two more participating agencies provide
a limited number of shelter beds. The Shelter House provides a safe haven for women,
children, and men in imminent danger of domestic violence. FRESH Start recently
completed a development for ten units of transitional housing for women and families,
called Harbour Place Apartments on Bobolink Street NE, in FY 2008 -09. Both agencies
receive funding from the Okaloosa/ Walton Homeless Continuum of Care Opportunity,
Inc. Harbour Place Apartments consists of 10 units for a total of 12, 460 square feet.
There are two each 750 square foot two bedroom, one bath units and eight each 960
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10.— a
square foot three bedroom, two bath units. Each floor also has a storage room with 750
square foot each. All units meet Fair Housing requirements and five percent of the units
are available for handicapped tenants. A complete list of local agencies providing
services and assistance to the homeless and special needs populations is found below.
Local services include but are not limited to ( 91. 210d):
1. Waterfront Rescue Mission – The target population is men with substance abuse
and disorders.
2. Bridgeway Center, Inc. – Assists men and women requiring crisis stabilization
and detoxification.
3. Salvation Army – The target population is men.
4. FRESH Start – Targets working parents and single women, primarily transitional
housing for persons with jobs.
5. Shelter House– Women and children in imminent danger of harm from domestic
violence.
6. Family Life Center – Pregnant and unwed mothers.
7. Lutheran Services – Runaway teens.
8. SADA – Men and women with substance abuse disorders; must agree to enroll in
Christian recovery program.
9. Catholic Charities – Transients, emergencies. There is not a shelter but there are
limited funds for hotel stays.
10. Red Cross – Persons rendered homeless by fire. No shelter, but limited funds for
hotel stays.
11. Harbor House – Men with substance abuse disorders; transitional
