Communities That Care A Community Land Trust
Communities That Care A Community Land Trust
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(352) 262-9038

Accessible and affordable housing for all

Accessible and affordable housing for allAccessible and affordable housing for allAccessible and affordable housing for all

We seek to make home ownership possible!

(352) 262-9038

Accessible and affordable housing for all

Accessible and affordable housing for allAccessible and affordable housing for allAccessible and affordable housing for all

We seek to make home ownership possible!

Welcome

Communities That Care CLT (CTC-CLT) is a 501(c)(3) non-profit property developer based in Gainesville, Florida, serving Alachua County.

 OUR MISSION: To develop diverse communities of owner-occupied housing which support low to moderate income working families and individuals, ensuring affordability.

Meet the Board

Dr. Cathy Aull, Ph.D., President

Ben Phillips, Secretary/Treasurer

Dr. Cathy Aull, Ph.D., President

Financial Planner, Edward Jones

Kevin Thorpe , Vice-President

Ben Phillips, Secretary/Treasurer

Dr. Cathy Aull, Ph.D., President

 Senior Pastor, Faith Missionary Baptist Church  

Ben Phillips, Secretary/Treasurer

Ben Phillips, Secretary/Treasurer

Ben Phillips, Secretary/Treasurer

Realtor, Focus Real Estate Group

Dale Harris

Kip Harrison

Kip Harrison

Pleasant Street Historical Society

Kip Harrison

Kip Harrison

Kip Harrison

President, Capital City Bank

Kip Harrison



what is a community land trust and what does it do?

 A community land trust is a nonprofit corporation that develops and stewards affordable housing, community gardens, civic buildings, commercial spaces and other community assets on behalf of a community.  A CLT is a tool that creates a public space where individual citizens can collaborate to influence both the shape and pace of development in their neighborhood. It is a means by which a community can build local community wealth and make home ownership accessible to families otherwise excluded for the private housing market.


Here is how the CLT works to promote home ownership (the Shared Equity Model):

  •   A community land trust acquires land and homes from private and public donors with the purpose of keeping them permanently affordable. Individual homebuyers buy the homes on land owned by the CLT (they share the equity). The buyers get mortgage financing to purchase the home, just like a regular homebuyer.
  •   The CLT continues to own the land and leases it to the homebuyer for a nominal monthly fee. That lowers the price for the buyer, since the family is only paying for the cost of the house. 
  •   The CLT and homebuyer formalize their partnership through the signing a ground lease that lays out both parties’ rights and responsibilities, and a resale formula for the home with a set appreciation rate. 
  •   When a homeowner decides to sell, the house is sold back to the CLT for a price based on the resale formula. The price doesn’t include the appreciation of the land, since the CLT owns the land. That’s the key to permanent affordability: it allows the CLT to sell the home to the next buyer at an affordable price, without including any upswings in land value, in perpetuity.
  •   At the time of home sale private or public subsidy invested in building the property is returned to the CLT. This preserves the subsidy to the benefit of the next buyer.
  •  Public affordable housing programs such as the SHIP program and local affordable housing trust funds can help lower the costs for land acquisition and construction, and provide down payment assistance for home buyers.
  •   The CLT provides vital stewardship services to home owners including home management and financial counseling before the purchase, post-purchase guidance and foreclosure prevention services if they need it. 

    


CTC-CLT Development Plan

The CLT is a young organization in the process of building capacity and raising operational funding. We hope to start our first property development project in 2020. When we are ready to accept applications for the purchase of CLT homes, the announcement will be published on this site. Please stay tuned.

Confronting Heirs Property

Heirs property involves land passed down without a will to more than one heir. This situation is common among poor, black families. Under these conditions the property can end up in Probate Court where a single heir can request the sale of the property against the wishes of other heirs some of whom may be living on it. This "forced sale" of real estate is a common cause of property loss among the poor. It is also a major factor in leading to the acquisition of land by developers seeking to "redevelop" traditional, poor neighborhoods in city centers resulting is neighborhood disruption and displacement of low income residents. As a part of its stewardship to the local community the CTC-CLT has developed Heirs Property Pilot Project. The Project seeks to provide both information and access to legal consultation in the traditional African-American neighborhoods of Alachua County, Florida.

CTC-CLT donors - subscribers - Sponsors/supporters

Donors

Frank Williams

Tony Barr

Gary Hankins, MD

Greg McGann

Gerri Otim

Sandra Powers

Jeffrey Shapiro

Connie Caldwell 

Kathleen Pagan

Steve Kattell

Mary Hawks

Elsworth (Bill) Hoppe, Esq

Thomas Hamilton

William Witt, DDS

Aditya Ayithi

Earle Pickens, MD

Jerall Ross

Nitesh Tripathi

Richard Boudrot

Joni Ellis

Wende Wheeler

Denise Kelley

Alee Karpf 

 Scott Ross

Jeffrey Shapiro

Gina Aulisio

Scott Sumner

William Winter

Jennifer Applebaum

Naomi Williams

Larry Schwandes            

Capital City Bank

Lydia B. Stokes Foundation

 Florida Blue Foundation

Subscribers

Karen Brown

Kim Hankins

Heather Ivanov

Anne Ray

Scott Winzeler

Sponsors/Supporters

Alachua County Board of County Commissioners

City of Gainesville

Conservation Clinic - University of Florida College of Law

Florida Community Design Center

Florida Housing Coalition

Gainesville-4-all (James Lawrence)

The Gainesville Sun

United Way of North Central Florida

University of Florida Shimberg Center for Housing Studies

Randy Wells

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Sign up for CLT news.

Call or Visit

Communities That Care Community Land Trust

6031 NW 1st Place, Gainesville, FL 32607, us

(352) 262-9038

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