HomeMy WebLinkAboutMINUTES - 02152011 - C.25 (2)RECOMMENDATION(S):
(1) ADOPT the FY 2010/11 Action Plan Neighborhood Stabilization Program Substantial
Amendment;
(2) AUTHORIZE the Conservation & Development Director, or designee, to execute the
appropriate documents for transmittal to the U.S. Department of Housing & Urban
Development (HUD); and
(3) AUTHORIZE the Conservation & Development Director, or designee, to execute the
NSP program Agreements with the HUD;
(4) FIND that the Substantial Amendment is exempt from the California Environmental
Quality Act [Section 15061(b)(3)];
(5) DIRECT the Director of Conservation and Development, or designee, to file a Notice of
Exemption for the Action Plan with the County Clerk;
(6) DIRECT the Director of Conservation and Development, or designee, to arrange for
payment of the $50 handling fee to the County Clerk for filing such Notice of Exemption.
APPROVE OTHER
RECOMMENDATION OF CNTY
ADMINISTRATOR
RECOMMENDATION OF BOARD
COMMITTEE
Action of Board On: 02/15/2011 APPROVED AS RECOMMENDED OTHER
Clerks Notes:
VOTE OF SUPERVISORS
AYE:John Gioia, District I
Supervisor
Gayle B. Uilkema, District
II Supervisor
Karen Mitchoff, District IV
Supervisor
Federal D. Glover, District
V Supervisor
Contact: Kara Douglas,
335-7223
I hereby certify that this is a true and correct copy of an action taken and entered on the minutes
of the Board of Supervisors on the date shown.
ATTESTED: February 15, 2011
David J. Twa, County Administrator and Clerk of the Board of Supervisors
By: June McHuen, Deputy
cc:
C.25
To:Board of Supervisors
From:Catherine Kutsuris, Conservation & Development Director
Date:February 15, 2011
Contra
Costa
County
Subject:FY 2010/11 Community Development Block Grant Action Plan Substantial Amendment for $1,871,294 in
Neighborhood Stabilization Program Funds
FISCAL IMPACT:
The proposed Substantial Amendment to the Action Plan will have no General Fund
impact. Neighborhood Stabilization Program (NSP) funds are provided to the County on
a formula allocation basis through the U.S. Department of Housing and Urban
Development (HUD). The Neighborhood Stabilization Program uses the Community
Development Block Grant (CDBG) Program CFDA number – 14.218
BACKGROUND:
On April 28, 2010, the Board approved the County’s FY 2010/11 Annual Action Plan of
the Five Year (2010 – 2015) Consolidated Plan for Community Development Block
Grant (CDBG) funds. In 2010, Congress appropriated a third round of neighborhood
stabilization funds (NSP3) under Section 1497 of the Wall Street Reform and Consumer
Protection Act of 2010 (Pub. L. 111-202, approved July 21, 2010) (Dodd-Frank Act).
NSP3 provides targeted emergency assistance to state and local governments to acquire
and redevelop vacant or foreclosed residential properties that might otherwise become
sources of abandonment and blight within our communities. Contra Costa County, as the
County lead agency, has been allocated $1,871,294 in NSP3 funds.
The purpose of the Substantial Amendment to the Annual Action Plan is to set forth the
target areas and programs for Contra Costa County NSP3 activities.
The County has 24 months from the date it executes a contract with HUD to spend 50
percent of the funds, and three years to expend all funds and complete all projects.
Twenty-five percent of the funds must be spent on projects that will be affordable to
households with incomes that are less than 50 percent of the area median income (i.e.
$45,150 for a household of four).
Determination of Target Areas
HUD requires NSP3 funds be targeted to the areas with a high need as determined by
HUD and in a manner that will have the greatest impact to the neighborhood.
HUD requires NSP3 grantees use the HUD Foreclosure Need website. On the website,
HUD provides estimates of foreclosure need and a foreclosure related needs score at the
census tract level. The scores range from 1 to 20, with a score of 20 indicating census
tracts with the HUD-estimated greatest need. In California, a minimum score of 17 is
needed to be eligible for NSP3 funds. In Contra Costa County, there are 7 cities or
communities that have at least one census tract with a score of 17 or higher. They are
Antioch, Bay Point, Concord, Pittsburg, North Richmond, Richmond, and San Pablo.
HUD requires that grantees use HUD data to determine how many units in a given area
must be rehabilitated to affect a positive impact on an area. The areas must be very small
in order to make an impact with an allocation of only $1.8 million. The Governor’s
budget proposal to disestablish redevelopment agencies may mean there will not be any
redevelopment agency funds to assist in NSP3 activities.
HUD requires grantees also evaluate market conditions in order to select areas of need
where market conditions will support the program and where there is a reasonable
likelihood that the program will have a stabilizing impact on the community.
County staff consulted with city and County housing and redevelopment agency staff to
discuss NSP3. The County was provided with additional neighborhood and market
information as a result. The County was also provided information on potential projects
in those neighborhoods that would qualify for NSP3 funds.
Determination of NSP3 Activities
The County analyzed the data from HUD, the cities and County redevelopment areas,
and other sources to evaluate need and market conditions. Staff then developed three tiers
of projects:
Tier 1 includes a portion of the Monument Corridor in Concord, downtown Pittsburg,
and the south end of Tabora Road in Antioch. Tier 1 activities are multi-family rental
projects that will serve low- and moderate-income families.
Tier 2 includes the cities and communities of Bay Point, North Richmond (City and
County) and San Pablo. Tier 2 activities are multi-family rental projects that will serve
low- and moderate-income families.
Tier 3 will initially be limited to a single Tier 1 or Tier 2 area. The Tier 3 activities are
acquisition and rehabilitation of single family homes and home buyer downpayment
assistance/shared appreciation loans.
Due to the highly constrained time frame in which HUD and local jurisdictions are
working, this amendment contains flexibility to allow the County to reallocate funds
between tiers without requiring additional substantial amendments.
The following table summarizes the program recommendations and amount of funds
allocated to each program.
NSP3 Activities
Activity
#
Program Area NSP3 Allocation Number of
Units/Homes
1 Multi-family foreclosure or
vacant property acquisition,
rehabilitation or construction
for low-income households
(LH25)
Tier
1
and
Tier 2
At least $467,824 6 units, more
with additional
funds for this
activity
2 Multi-family foreclosure or
vacant property acquisition,
rehabilitation or construction
for low-income households
(LMMH)
Tier
1
and
Tier 2
Up to $1,216,341 12 units, fewer if
more funds are
used to support
Activity 1
3 Revolving Fund for Purchase
and Rehabilitation for Low
Income Households (LH25)
Tier 3 None at this time.
This project may be
funded with at least
$467,824 if the Tier
1 and Tier 2
activities are not
feasible.
To be determined
4 Revolving Fund for Purchase
and Rehabilitation (LMMH)
Tier 3 None at this time.
This project may be
funded with up to
$1,216,341 if the
Tier 1 and Tier 2
activities are not
feasible.
To be determined
5 Downpayment
Assistance/Shared
Appreciation Loans (LMMH)
Tier 3 None at this time.
This project may be
funded if the Tier 1
and Tier 2 activities
are not feasible.
To be determined
6 NSP Program Planning and
Administration
N/A $187,129 N/A
NSP3 Implementation
The County will issue a Request for Proposals in early spring seeking projects or
developers in all tiers. County staff will initially pursue projects in the Tier 1 Areas. If
there are no feasible projects in Tier 1, then the County will move to Tier 2. Finally, if
there is no viable multi-family Tier 1 or Tier 2 project, the County will move forward
with scattered site single family acquisition and rehabilitation activities in the Tier 3 areas.
The County will strive to coordinate activities with the Economic Development Board
and local job training programs to meet the NSP3 “vicinity hire” requirement.
CEQA Exemption
This amendment to the Action Plan is exempt from CEQA pursuant to 14 CCR
15061(b)(3). If any of the individually funded projects are subject to CEQA, the CEQA
review will be undertaken by the lead agency.
ATTACHMENTS
A: NSP3 Substantial Amendment
B: Notice of Exemption
C: County map with NSP3 scores of 17 and higher
CONSEQUENCE OF NEGATIVE ACTION:
If the County does not submit the proposed Substantial Amendment to HUD by March 1,
2011, it will not receive $1,871,294 in NSP3 funds.
CHILDREN'S IMPACT STATEMENT:
This program will stabilize neighborhoods and provide affordable housing for low
income families. It will support Outcome #2 in the Children's Report Card: Families are
Economically Self Sufficient.
ATTACHMENTS
NSP3 Application
NSP3 County map of areas with a NSP3 score of 17 or greater
NSP3 Tier 1 - Antioch Tabora
NSP3 Tier 1 Concord Monument
NSP3 Tier 1 Pittsburg Los Medanos
NSP3 Tier 1 Pittsburg West 10th, Siena
NSP3 Tier 2 and Tier 3 Bay Point Bella Monte
NSP3 Tier 2 and Tier 3 Bay Point Shore Acres
NSP3 Tier 2 North Richmond City and County
NSP3 Tier 2 and Tier 3 San Pablo Old Town
CEQA Notice of Exemption
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1. NSP3 Grantee Information
NSP3 Program Administrator Contact Information
Name (Last, First) Douglas, Kara
Email Address Kara.Douglas@dcd.cccounty.us
Phone Number 925-335-7223
Mailing Address Contra Costa County
Department of Conservation and Development
2530 Arnold Drive, Suite 190
Martinez, CA 94553
2. Areas of Greatest Need
Map Submission
A Countywide map showing all areas that are potentially eligible for NSP3 funds is included as
Attachment A. The maps generated at the HUD NSP3 Mapping Tool for Preparing Action Plan
website are included as Attachment B.
Data Sources Used to Determine Areas of Greatest Need
Describe the data sources used to determine the areas of greatest need.
Response:
The County first used the HUD data from HUD’s mapping tool and mapped all areas with a HUD-
determined score of 17 and above (see Attachment A). Seventeen is the minimum score needed
in California for an area to be eligible for NSP3 funded activities.
In addition, the following sources were used:
- Policy Map was used for additional NSP 3 information, such as income eligibility,
foreclosure starts, and mortgage delinquency.
- Foreclosure Radar was used for additional foreclosure information (i.e. number of
foreclosure filings) and the foreclosure trends for an area.
- American Community Survey 2005-2009 (U.S. Census Bureau) information was used for
estimated number of housing units in an area, overall vacancy, and median gross rents,
and household income.
- California (CA) Employment Development Department – Labor Market Information was
used for current unemployment information for the overall County and the Cities within
the County.
- RealData, Inc. Apartment Insights information was used for a snapshot of rental vacancy
rates within target areas.
In addition to the sources above, the following studies or plans for a local jurisdiction were
utilized providing additional information described above:
- Contra Costa County Consortium, 2010-15 Consolidated Plan
- Contra Cost County Consortium, Analysis of Impediments to Fair Housing Choice
- City of Pittsburg, Affordable Housing Market Study (December 2009), prepared by
AECOM Economics
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- City Of Pittsburg, Market Study for Affordable Senior Housing (March 2010), prepared
by Laurin Associates/Raney Planning & Management, Inc.
- City of Antioch, Summary Appraisal Report/Market Study (June 2010), prepared by
Joseph J. Blake and Associates, Inc.
Determination of Areas of Greatest Need and Applicable Tiers
Describe how the areas of greatest need were established and whether a tiered approach is
being utilized to determine the distribution of funding.
Response:
County staff first considered the amount of the NSP3 grant ($1.8 million) and how to best meet
the HUD-identified goals. It determined that it would pursue a multifamily rental project for the
following reasons:
1. HUD requires grantees create a preference for rental housing. Multi-family housing is
the most cost effective way to provide rental housing.
2. Multi-family rental is an effective way to meet the requirement to expend 25 percent of
the NSP3 grant on low income households.
3. HUD is seeking a significant impact in a community from NSP3 activities. With the
limited resources available, rental housing can be a more cost effective use of the funds
and will concentrate the impact in a small area.
4. HUD has determined that a grantee must improve 20 percent of the foreclosed units in
an area to show an impact. Some of the Contra Costa areas would have to be so small to
reach the 20 percent threshold that it would be extremely difficult to find appropriate
units to purchase and rehabilitate.
Next, the County used the HUD data from its mapping tool and mapped all areas with a HUD-
determined score of 17 and above. (See Attachment A.) Seventeen is the minimum score
needed in California for an area to be eligible for NSP3 funded activities. The cities and
communities highlighted on the map have scores of at least 17 and are the following: Antioch,
Bay Point, Concord, Pittsburg, North Richmond, Richmond, and San Pablo.
County staff met with representatives of all of these jurisdictions to determine which specific
neighborhoods would be best served with NSP3 activities. County staff requested information,
about projects or activities that the city and community representatives desired in their
communities.
County staff reviewed that information together with its additional research on rents, incomes,
vacancy rates, and neighborhood assets.
Potential Projects: Of the seven NSP3 qualifying areas, Antioch, Pittsburg, and Concord have
various potential sites for multi-family rental housing that would meet the NSP3 community
impact and funding expenditure requirements. Research on rental market information was
done for all seven NSP3 qualifying areas with priority given to Antioch, Pittsburg, and Concord
due to the likelihood of potential sites that would meet NSP3 requirements.
Vacancy Rate Information: According to 2005-2009 American Community Survey information,
the overall vacancy rate for Contra Costa County is 6.9 percent. The overall vacancy rates of the
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areas that meet the HUD determined score of 17 or above are as follows: Antioch - 8.9 percent;
Pittsburg – 9.1 percent; Concord – 5.8 percent; Bay Point – 7.1 percent; San Pablo – 9.1
percent; Richmond/North Richmond – 12.5 percent. The overall vacancy rate includes owner-
occupied units; however, a snapshot of multi-family apartment complexes (100 units or over)
within the six areas shows a lower vacancy rate for each area: Antioch – 4.8 percent; Pittsburg
– 4.3 percent; Concord – 4.7 percent; Bay Point 5.0 percent; San Pablo – 6.8 percent;
Richmond/North Richmond – 5.3 percent. The differences between the overall vacancy rates
and the rental vacancy rates are a reflection of the impact that the housing foreclosure crisis has
on owner-occupied single-family properties within these areas. Furthermore, the lower vacancy
rates for rental properties indicate that the rental market is still strong in these areas.
Median Gross Rent Information: The median gross rent for Contra Costa County as a whole is
$1,239. All NSP 3 qualifying areas are below the County median: Antioch - $1,192; Pittsburg -
$1,197; Concord - $1,171; Bay Point - $1,076; San Pablo - $999; Richmond/North Richmond -
$1,110.
Income and Unemployment Information: Contra Costa County is considered a high-income
area; however, the communities in the County have a significant disparity of household income
between them. According to Census information, the median household income for Contra
Costa County is $63,675. The annual median household incomes of each of the six NSP3
qualifying areas in the County are below the County’s overall median household income.
Antioch’s median household income ($60,360) is the highest of the County’s six qualifying NSP3
areas, but still lower than the County’s overall median household income. Pittsburg, Bay Point,
San Pablo, and Richmond each have median household incomes near or below $50,000.
Concord is located in central Contra Costa County and although higher income communities
tend to be located in central Contra Costa County, Concord’s annual median household income
($55,600) is closer to those of lower-income communities.
Unemployment is also particularly high in the six NSP3 qualifying areas. According to California
Employment Development Department information, the unemployment rate for Contra Costa
County dropped from 11.2 percent in November 2010 to 10.9 in December 2010. However, all
six NSP3 qualifying areas still exceed the overall County unemployment rate. Pittsburg, San
Pablo, Richmond, and Bay Point each have unemployment rates near or above 17 percent. The
unemployment rates for both Antioch and Concord are approximately 12 percent. These six
areas appear to be ideal for rentals given that most residents would not be able to afford to
purchase a home due to the lower incomes and high unemployment rates found in these areas.
Neighborhood Asset Information: A review of neighborhood assets was done for each target
area to see how attractive each area may be to potential renters. Each of the priority target
areas (Antioch, Pittsburg, and Concord) has various amenities that most renters and families
desire in a neighborhood (i.e. parks, commercial/retail, access to public transportation, schools,
etc.). Each target area/city has an active redevelopment agency and these agencies completed
various projects to improve the overall infrastructure and economic vitality of each area.
Foreclosures (for Tier 3 priority areas): Both Bay Point and San Pablo were selected areas
because of the high number of foreclosures and they have been successful areas for NSP1
activities. Based on Policy Map (policymap.com) and Foreclosure Radar (foreclosureradar.com)
information, Bay Point and San Pablo have high numbers of delinquent mortgages, foreclosure
4
starts, and overall number of foreclosure filings. Over the last year, San Pablo had over 280
foreclosure starts while Bay had over 180 foreclosure starts.
Based on the above conversations and information, County staff determined that a portion of
west Antioch, Monument Corridor in Concord, and downtown Pittsburg showed the greatest
potential benefit from NSP3 funds. These areas are called “Tier 1” in this application.
The remaining areas are Bay Point, North Richmond (both City and County portions), and San
Pablo. They are the “Tier 2” areas. Tier 2 areas are included in this application so if there are no
feasible projects in any Tier 1 area, the County can quickly move onto other areas.
Finally, if there are not any viable multi-family projects in either Tier 1 or Tier 2, the County will
move to Tier 3.
Tier 3 will be one or more of above areas and will consist of scattered site single-family home
acquisition and rehabilitation, and homebuyer downpayment assistance/shared appreciation
loans. The priority Tier 3 areas will be Bay Point and San Pablo. These two areas have had
successful NSP1 activities.
3. Definitions and Descriptions
Definitions
Term Definition
Blighted Structure “Blighted Structure” shall mean buildings or conditions causing blight
as defined in California Health and Safety Code Section 33031(a)(1)
and (2).
Affordable Rents A. For low income households, the product of one-twelfth of 30
percent times 50 percent of the area median income adjusted for
family size appropriate for the unit, less an allowance for tenant paid
utilities.
B. For moderate income households whose gross incomes exceed the
maximum income for low income households, the product of one-
twelfth of 30 percent times 65 percent of the area median income
adjusted for family size appropriate for the unit, less an allowance for
tenant paid utilities.
C. For middle income households, the product of one-twelfth of 30
percent times 110 percent of the area median income adjusted for
family size appropriate for the unit, less an allowance for tenant paid
utilities.
Descriptions
Term Definition
Long-Term
Affordability
Rental housing developers will be required to enter into a Regulatory
Agreement with a term of not less than 30 years.
Shared Appreciation Loans: Homebuyers who receive a shared
appreciation loan will be required to enter into a Promissory Note
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which requires the home remains owner-occupied for the 30 year
term of the loan.
Presumed Affordability: Homebuyers in North Richmond and Bay
Point who purchase homes without financial assistance from the
County will be required to enter into a Declaration of Restrictive
Covenants. The Declaration of Restrictive Covenants requires homes
to be owner occupied for the entire 20 year term of affordability.
Housing Rehabilitation
Standards
“Rehabilitation Standards” shall mean the applicable residential
standards in the California Building Code as amended by the California
Building Standards Commission.
In addition, as applicable, the following standards shall be met:
- All gut rehabilitation (i.e. general replacement of the interior of a
building that may or may not include changes to structural elements
such as flooring systems, columns or load bearing interior or exterior
walls) or new construction of residential buildings up to three stories
shall be designed to meet the standard for Energy Star Qualified New
Homes.
- All gut rehabilitation or new construction or mid- or high-rise
multifamily housing shall be designed to meet the American Society of
Heating, Refrigeration, and Air-Conditioning Engineers (ASHRAE)
Standard 90.1-2004, Appendix G plus 20 percent (which is the Energy
Star standard for multifamily buildings piloted by the Environmental
Protection Agency and the Department of Energy.
- Other rehabilitation shall meet these standards to the extent
applicable to the rehabilitation work undertaken, e.g. replace older
obsolete products and appliances (such as windows, doors, lighting,
hot water heaters, furnaces, boilers, air conditioning units
refrigerators, clothes washers and dishwashers) with Energy Star-46
labeled products.
- Water efficient toilets, showers, and faucets, such as those with the
WaterSense label, shall be installed.
- Where relevant, the housing will be improved to mitigate the impact
of disasters such as earthquakes, fires, and flooding.
Vicinity Hire Contra Costa will encourage vicinity hiring to the extent practicable.
The County will modify its Section 3 advertising and bidding policies to
accommodate the vicinity hiring requirements.
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4. Low-Income Targeting
Low-Income Set-Aside Amount
Enter the low-income set-aside percentage in the first field. The field for total funds set aside
will populate based on the percentage entered in the first field and the total NSP3 grant.
Identify the estimated amount of funds appropriated or otherwise made available under the
NSP3 to be used to provide housing for individuals or families whose incomes do not exceed
50 percent of area median income.
Response:
Total low-income set-aside percentage (must be no less than 25 percent): 25.00%
The minimum amount of funds set aside for low-income individuals will be 25 percent of the
grant amount which is $467,824. Up to $1,685,000 may be used for low income housing if the
selected Tier 1 activity requires that amount.
Meeting Low-Income Target
Provide a summary that describes the manner in which the low-income targeting goals will be
met.
Response:
The County will issue a Request for Proposals (RFP) for a developer to meet the low income
target. The RFP will allow developers to respond with either a proposal for rental housing or for
homeownership. Proposals in the Tier 1 areas will be evaluated first. If there are no feasible Tier
1 proposals, then Tier 2 proposals will be evaluated. If there are no feasible Tier 1 or Tier 2
proposals, then Tier 3 proposals will be evaluated.
Rental Housing: Tier 1 proposals will be for a rental housing project in the Tier 1 areas. The
projects may be either new construction on a vacant or abandoned site, or rehabilitation of an
existing foreclosed development. Low and moderate units will be required based on a
proportional share of the NSP3 investment into the project. For example, if the NSP3 funds are
10 percent of the total project cost, at least 10 percent of the units must be compliant with
NSP3 income and rent requirements. Once 25 percent of the County’s NSP3 funds have been
used to support low income households, additional NSP3 funds may be allocated to the same
project to support additional units that will be affordable to moderate income households.
Homeownership: A successful proposal for homeownership will demonstrate how a low-income
household will be able to finance the purchase and maintain successful homeownership (i.e.
cover future maintenance and repair costs, and not become cost burdened or at risk of
foreclosure). The County successfully worked with Habitat for Humanity East Bay on NSP1 and
expects the same type of approach will also work for NSP3.
5. Acquisition and Relocation
Demolition or Conversion of LMI Units
Does the grantee intend to demolish or convert any low- and moderate-
income dwelling units (i.e., ≤ 80% of area median income)?
No
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If yes, fill in the table below.
Question Number of
Units
The number of low- and moderate-income dwelling units—i.e., ≤ 80% of area
median income—reasonably expected to be demolished or converted as a
direct result of NSP-assisted activities.
The number of NSP affordable housing units made available to low- ,
moderate-, and middle-income households—i.e., ≤ 120% of area median
income—reasonably expected to be produced by activity and income level as
provided for in DRGR, by each NSP activity providing such housing (including
a proposed time schedule for commencement and completion).
The number of dwelling units reasonably expected to be made available for
households whose income does not exceed 50 percent of area median
income.
6. Public Comment
Citizen Participation Plan
Briefly describe how the grantee followed its citizen participation plan regarding this
proposed substantial amendment or abbreviated plan.
Response:
County staff met with representatives of all of the potential target areas. The group discussed
the funding available and the HUD requirements and preferences. The County offered to
provide a written report to the representatives, which summarized NSP3. Some representatives
plan on taking a report to their City Council or Municipal Advisory Committees.
A memorandum that outlined the County approach to the NSP3 application was posted on the
County website in late January. The NPS3 application was posted on the website on January 27,
2011. An email was sent to over 500 recipients notifying them of the memorandum and draft
NSP3 application.
The application is scheduled for the County Board of Supervisors for approval on February 15,
2011.
Summary of Public Comments Received.
The summary of public comments received is included as an attachment.
7. NSP Information by Activity
Enter each activity name and fill in the corresponding information. If you have fewer than seven
activities, please delete any extra activity fields. (For example, if you have three activities, you
should delete the tables labeled “Activity Number 4,” “Activity Number 5,” “Activity Number 6,”
and “Activity Number 7.” If you are unsure how to delete a table, see the instructions above.
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The field labeled “Total Budget for Activity” will populate based on the figures entered in the
fields above it.
Consult the NSP3 Program Design Guidebook for guidance on completing the “Performance
Measures” component of the activity tables below.
Activity Number 1
Activity Name Multi-family Low Income Rental Housing
Uses
Select all that apply:
Eligible Use A: Financing Mechanisms
Eligible Use B: Acquisition and Rehabilitation
Eligible Use C: Land Banking
Eligible Use D: Demolition
Eligible Use E: Redevelopment
CDBG Activity or
Activities
24 CFR 570.201(a) – Acquisition (i) – Relocation. New construction is eligible
as part of the redevelopment of demolished or vacant properties. 24 CFR
570.202 – Eligible rehabilitation and preservation activities
National Objective Low and Moderate Income Housing (LMMH) (LH25)
Activity Description
This activity will consist of one or more of the eligible uses noted above.
Financing mechanism will be a low (i.e. between 1 and 3 percent) interest
deferred loan to the developer of a multi-family rental project. The term will
be for either 30, 40, or 55 years depending on requirements of other funding
sources. A regulatory agreement with income, rent, and term of affordability
will be record against the property.
The Request for Proposals (see the responses to Question 4 above) will
include existing foreclosed multi-family properties as well as demolished or
vacant properties as eligible property types. Therefore, this activity may result
in the acquisition and rehabilitation of an existing apartment building with
occupants. The occupants may be temporarily or permanently displaced.
The acquisition of a vacant site would support the new construction of
affordable rental housing. Depending on the site cost, project size, timing, and
budget, NSP3 funds may also be used for predevelopment and/or
construction costs.
Location Description
Tier 1 priority areas: These areas include neighborhoods within the cities of
Antioch, Concord, and Pittsburg. NSP3 will focus on these areas for the first
nine months of implementation. If a viable project is not identified within the
first nine months, NSP3 activities will focus on Tier 2 priority areas (Bay Point,
San Pablo, and North Richmond [City and County]).
The purpose of this approach is to enable the County to move quickly and
adapt to changing market conditions.
Budget
Source of Funding Dollar Amount
NSP3 at least $467,824
To Be Determined To be determined
Total Budget for Activity To be determined
Performance Measures A minimum of 5 Low- income rental units.
Projected Start Date Tier 1 start date is April 1, 2011, or as close to that date as practicable.
9
If after 9 months of the actual Tier 1 start date there is not a feasible Tier 1
proposals, then the County will move on and consider the Tier 2 proposals.
Projected End Date 3/31/14
Responsible
Organization
Name Contra Costa County
Location Department of Conservation and
Development
2530 Arnold Drive, Suite 190
Martinez, CA 94553
Administrator Contact Info Kara Douglas
Kara.Douglas@dcd.cccounty.us
(925) 335-7223
Activity Number 2
Activity Name Multi-family Moderate Income Rental Housing
Uses
Select all that apply:
Eligible Use A: Financing Mechanisms
Eligible Use B: Acquisition and Rehabilitation
Eligible Use C: Land Banking
Eligible Use D: Demolition
Eligible Use E: Redevelopment
CDBG Activity or
Activities
24 CFR 570.201(a) – Acquisition (i) – Relocation. New construction is eligible
as part of the redevelopment of demolished or vacant properties.
National Objective Moderate Income Housing (LMMH)
Activity Description
This activity will consist of one or more of the eligible uses noted above.
Financing mechanism will be a low (i.e. between 1 and 3 percent) interest
deferred loan to the developer of a multi-family rental project. The term will
be for either 30, 40, or 55 years depending on requirements of other funding
sources. A regulatory agreement with income, rent, and term of affordability
will be record against the property.
The Request for Proposals (see the responses to Question 4 above) will
include existing foreclosed multi-family properties as well as demolished or
vacant properties as eligible property types. Therefore, this activity may result
in the acquisition and rehabilitation of an existing apartment building with
occupants. The occupants may be temporarily or permanently displaced.
The acquisition of a vacant site would support the new construction of
affordable rental housing. Depending on the site cost, project size, timing, and
budget, NSP3 funds may also be used for predevelopment and/or
construction costs.
Location Description
Tier 1 priority areas: These areas include neighborhoods within the cities of
Antioch, Concord, and Pittsburg. NSP3 will focus on these areas for the first
nine months of implementation. If a viable project is not identified within the
first nine months, NSP3 activities will focus on Tier 2 priority areas (Bay Point,
San Pablo, and North Richmond [City and County]).
The purpose of this approach is to enable the County to move quickly and
adapt to changing market conditions.
Budget Source of Funding Dollar Amount
NSP3 Up to $1,216,341
10
To be determined To be determined
Total Budget for Activity To be determined
Perform nce Measures Approximately 12 rental units affordable to Low and Moderate Income
households.
Projected Start Date
Tier 1 start date is April 1, 2011, or as close to that date as practicable.
If after 9 months of the actual Tier 1 start date there is not a feasible Tier 1
proposals, then the County will move on and consider the Tier 2 proposals.
Projected End Date 3/31/14
Responsible
Organization
Name Contra Costa County
Location Department of Conservation and
Development
2530 Arnold Drive, Suite 190
Martinez, CA 94553
Administrator Contact Info Kara Douglas
Kara.Douglas@dcd.cccounty.us
(925) 335-7223
Activity Number 3
Activity Name Single Family Low Income Housing
Use
Select all that apply:
Eligible Use A: Financing Mechanisms
Eligible Use B: Acquisition and Rehabilitation
Eligible Use C: Land Banking
Eligible Use D: Demolition
Eligible Use E: Redevelopment
CDBG Activity or
Activities
24 CFR 570.201(a) Acquisition, (b) Disposition, (i) Relocation, (n) Direct
Homeownership Assistance, 24 CFR 570.202 Eligible rehabilitation and
preservation activities for homes and other residential properties, housing
counseling for those seeking to take part in the activity.
National Objective Low Moderate Middle Income Housing (LMMH)
Activity Description
This activity is intended to meet the low income housing requirement. It is
expected that this activity will be carried out by a non profit that specializes in
self help housing.
NSP funds will be loaned to the agency carrying out this activity. It will
purchase vacant and foreclosed homes. The non-profit will select homebuyers
who will assist in the rehabilitation of their future home. The selection
process includes extensive outreach and marketing in the community.
Marketing materials are translated into Spanish and other languages.
Materials are provided to community organizations and churches. The non-
profit screens the applicants for income eligibility and ability to pay the
mortgage. They strive to work with families with the greatest need for decent
housing. The work done by the future owner not only provides a “sweat
equity” stake in the home, but also teaches the homebuyer valuable home
maintenance skills. The non-profit will be the mortgage lender and will
structure the loan to be affordable to the specific household. The typical
structure provides a 30 year, zero interest, amortizing loan with a forgivable
11
appreciation share provision. NSP3 funds will leverage volunteer labor,
foundation grants, and donations of materials. Unless private sources of funds
can be identified to supplement NSP3 funds, the full cost of the acquisition
and rehabilitation will be funded with NSP3. In this case, the loans will
transfer to the homeowner as amortizing loans with interest rates set so that
the mortgage payments are affordable to the buyer (i.e. to keep housing costs
equal to or less than 30% of the owner’s income).
The homes will be sold for an amount equal to or less than the total amount
of funds used to acquire and rehabilitate the home. Homebuyers will be
required to sign a 20 to 30 year resale restriction with the non profit entity
operating the selfhelp program. The County will have a right of first refusal to
purchase the home should the non-profit entity not be in a position to
exercise its right in a future transaction. If redevelopment housing set-aside
funds are used to supplement NSP3 funds, the buyer will be required to enter
into a 45 year resale restriction. All properties will be purchased at a
minimum of one percent less than the appraised value. Appraisals shall be
consistent with the appraisal requirements of the Uniform Relocation Act.
Location Description Tier 3 - Bay Point
Budget Source of Funding Dollar Amount
NSP3 None at this time
Total Budget for Activity $0.00
Performance Measures One home will be rehabilitated for every $250,000 budgeted to this activity
Projected Start Date 1/1/12 if Tier 3 activities are needed
Projected End Date 3/31/14
Responsible
Organization
Name Contra Costa County
Location Department of Conservation and
Development
2530 Arnold Drive, Suite 190
Martinez, CA 94553
Administrator Contact Info Kara Douglas
Kara.Douglas@dcd.cccounty.us
(925) 335-7223
Activity Number 4
Activity Name Single Family Moderate and Middle Income Housing
Use
Select all that apply:
Eligible Use A: Financing Mechanisms
Eligible Use B: Acquisition and Rehabilitation
Eligible Use C: Land Banking
Eligible Use D: Demolition
Eligible Use E: Redevelopment
CDBG Activity or
Activities
24 CFR 570.201(a) Acquisition, (b) Disposition, (i) Relocation, (n) Direct
Homeownership Assistance, 24 CFR 570.202 Eligible rehabilitation and
preservation activities for homes and other residential properties, housing
counseling for those seeking to take part in the activity.
National Objective Low Moderate Middle Income Housing (LMMH)
12
Activity Description
NSP funds will be used to purchase and rehabilitate vacant and foreclosed
homes. Unless private sources of funds can be identified to supplement NSP
funds, it is likely that the full cost of the acquisition and rehabilitation will be
funded with NSP. This activity will also fund down payment assistance for the
homebuyer if needed. This approach is based on the County’s NSP1 Activity
One. The County funded non-profit developers to acquire and rehabilitate
homes for low, moderate, and middle income homebuyers. The funds are
initially loaned to the developer. At the completion of construction, the
developer repays the NSP loan (less any amount loaned in excess of the sales
price). The County makes a new loan to the homebuyers as deferred shared
appreciation loans.
The homes will be sold for an amount equal to or less than the total amount
of funds used to acquire and rehabilitate the home. Homebuyers will be
required to sign a 30 year shared appreciation promissory note. If
redevelopment housing set-aside funds are used to supplement NSP funds,
the buyer will be required to enter into a 45 year resale restriction. If no
financial assistance is provided to the homebuyer, and the area qualifies
under the presumed affordability provisions, then the buyer will sign a
convenant to occupy the home.
Resale restrictions are a deterrent to buyers when similar homes at the same
price are available for purchase without restrictions.
This activity will target properties that can be purchased and rehabilitated for
under $300,000. All properties will be purchased for at least one percent less
than the appraised value. Appraisals shall be consistent with the appraisal
requirements of the Uniform Relocation Act.
Location Description (Area or possible areas of greatest need where activity is being undertaken)
Budget
Source of Funding Dollar Amount
NSP3 None at this time. This activity will be
funded if Activity 1 is not viable.
Total Budget for Activity None at this time.
Performance Measures One home will be rehabilitated for every $250,000 budgeted to this project.
Projected Start Date 1/1/12 if Tier 3 activities are needed
Projected End Date 3/31/14
Responsible
Organization
Name Contra Costa County
Location Department of Conservation and
Development
2530 Arnold Drive, Suite 190
Martinez, CA 94553
Administrator Contact Info Kara Douglas
Kara.Douglas@dcd.cccounty.us
(925) 335-7223
Activity Number 5
Activity Name Homeownership financial assistance
Use Select all that apply:
Eligible Use A: Financing Mechanisms
13
Eligible Use B: Acquisition and Rehabilitation
Eligible Use C: Land Banking
Eligible Use D: Demolition
Eligible Use E: Redevelopment
CDBG Activity or
Activities 24 CFR 570.201(n) Direct homeownership assistance
National Objective Low Moderate Middle Income Housing (LMMH)
Activity Description
This activity will provide downpayment and/or silent second shared
appreciation mortgage assistance. Buyers will be required to contribute at
least 3 percent of the purchase price from their own funds. NSP3 loans will be
provided with fully amortizing, fixed interest rate loans. NSP3 loans will be
provided as 30 year deferred payment, shared appreciation loans. The loans
will be limited to 15 percent of the purchase price. Purchase prices are limited
to $300,000. Payments on the loans will be deferred until sale of the home or
if the owner no longer occupies the home. When the loan is paid, the
borrower will pay the original principal plus a share of the appreciation equal
to the percentage of the NSP3 loan to the original purchase price.
Adjustments will be made for capital improvements and deferred
maintenance. All properties will be purchased at a minimum of 1 percent less
than the appraised value. Appraisals shall be consistent with the appraisal
requirements of the Uniform Relocation Act.
Location Description Tier 3 Areas
Budget
Source of Funding Dollar Amount
NSP3 None at this time. This activity will be
funded if Tier 3 activities are needed.
Total Budget for Activity
Performance Measures One loan will be provided for every $25,000 budgeted for this activity.
Projected Start Date 1/1/12 if Tier 3 activities are needed
Projected End Date 3/31/14
Responsible
Organization
Name Contra Costa County
Location Department of Conservation and
Development
2530 Arnold Drive, Suite 190
Martinez, CA 94553
Administrator Contact Info Kara Douglas
Kara.Douglas@dcd.cccounty.us
(925) 335-7223
Activity Number 6
Activity Name Program Administration
Use
Select all that apply:
Eligible Use A: Financing Mechanisms
Eligible Use B: Acquisition and Rehabilitation
Eligible Use C: Land Banking
14
Eligible Use D: Demolition
Eligible Use E: Redevelopment
CDBG Activity or
Activities
An amount of up to 10 percent of an NSP grant provided to a jurisdiction and
up to 10 percent of program income earned may be used for general
administration and planning activities as
defined at 24 CFR 570.205 and 206.
Activity delivery costs may be charged to the specific activity.
National Objective N/A
Activity Description
Planning and administrative work will include all tasks associated with the
development and publication of the NSP Substantial Amendment. Activity
development and related legal documents will also be covered by the
planning and administration budget.
Location Description N/A
Budget Source of Funding Dollar Amount
NSP3 $187,124.00
Total Budget for Activity $187,124.00
Performance Measures N/A
Projected Start Date 4/1/11
Projected End Date 3/31/14
Responsible
Organization
Name Contra Costa County
Location Department of Conservation and
Development
2530 Arnold Drive, Suite 190
Martinez, CA 94553
Administrator Contact Info Kara Douglas
Kara.Douglas@dcd.cccounty.us
(925) 335-7223
8. Certifications
Certifications for State and Entitlement Communities
(1) Affirmatively furthering fair housing. The jurisdiction certifies that it will affirmatively
further fair housing, which means that it will conduct an analysis to identify impediments to fair
housing choice within the jurisdiction, take appropriate actions to overcome the effects of any
impediments identified through that analysis, and maintain records reflecting the analysis and
actions in this regard.
(2) Anti-displacement and relocation plan. The applicant certifies that it has in effect and is
following a residential anti-displacement and relocation assistance plan.
(3) Anti-lobbying. The jurisdiction must submit a certification with regard to compliance with
restrictions on lobbying required by 24 CFR part 87, together with disclosure forms, if required
by that part.
(4) Authority of jurisdiction. The jurisdiction certifies that the consolidated plan or abbreviated
plan, as applicable, is authorized under state and local law (as applicable) and that the
15
jurisdiction possesses the legal authority to carry out the programs for which it is seeking
funding, in accordance with applicable HUD regulations and other program requirements.
(5) Consistency with plan. The jurisdiction certifies that the housing activities to be undertaken
with NSP funds are consistent with its consolidated plan or abbreviated plan, as applicable.
(6) Acquisition and relocation. The jurisdiction certifies that it will comply with the acquisition
and relocation requirements of the Uniform Relocation Assistance and Real Property Acquisition
Policies Act of 1970, as amended (42 U.S.C. 4601), and implementing regulations at 49 CFR part
24, except as those provisions are modified by the notice for the NSP program published by
HUD.
(7) Section 3. The jurisdiction certifies that it will comply with section 3 of the Housing and
Urban Development Act of 1968 (12 U.S.C. 1701u), and implementing regulations at 24 CFR part
135.
(8) Citizen participation. The jurisdiction certifies that it is in full compliance and following a
detailed citizen participation plan that satisfies the requirements of Sections 24 CFR 91.105 or
91.115, as modified by NSP requirements.
(9) Following a plan. The jurisdiction certifies it is following a current consolidated plan (or
Comprehensive Housing Affordability Strategy) that has been approved by HUD. [Only States
and entitlement jurisdictions use this certification.]
(10) Use of funds. The jurisdiction certifies that it will comply with the Dodd-Frank Wall Street
Reform and Consumer Protection Act and Title XII of Division A of the American Recovery and
Reinvestment Act of 2009 by spending 50 percent of its grant funds within 2 years, and spending
100 percent within 3 years, of receipt of the grant.
(11) The jurisdiction certifies:
a. that all of the NSP funds made available to it will be used with respect to individuals and
families whose incomes do not exceed 120 percent of area median income; and
b. The jurisdiction will not attempt to recover any capital costs of public improvements
assisted with CDBG funds, including Section 108 loan guaranteed funds, by assessing any
amount against properties owned and occupied by persons of low- and moderate-
income, including any fee charged or assessment made as a condition of obtaining
access to such public improvements. However, if NSP funds are used to pay the
proportion of a fee or assessment attributable to the capital costs of public
improvements (assisted in part with NSP funds) financed from other revenue sources,
an assessment or charge may be made against the property with respect to the public
improvements financed by a source other than CDBG funds. In addition, with respect to
properties owned and occupied by moderate-income (but not low-income) families, an
assessment or charge may be made against the property with respect to the public
improvements financed by a source other than NSP funds if the jurisdiction certifies that
it lacks NSP or CDBG funds to cover the assessment.
(12) Excessive force. The jurisdiction certifies that it has adopted and is enforcing:
16
a. A policy prohibiting the use of excessive force by law enforcement agencies within its
jurisdiction against any individuals engaged in nonviolent civil rights demonstrations;
and
b. A policy of enforcing applicable state and local laws against physically barring entrance
to, or exit from, a facility or location that is the subject of such nonviolent civil rights
demonstrations within its jurisdiction.
(13) Compliance with anti-discrimination laws. The jurisdiction certifies that the NSP grant will
be conducted and administered in conformity with Title VI of the Civil Rights Act of 1964 (42
U.S.C. 2000d), the Fair Housing Act (42 U.S.C. 3601-3619), and implementing regulations.
(14) Compliance with lead-based paint procedures. The jurisdiction certifies that its activities
concerning lead-based paint will comply with the requirements of part 35, subparts A, B, J, K,
and R of this title.
(15) Compliance with laws. The jurisdiction certifies that it will comply with applicable laws.
(16) Vicinity hiring. The jurisdiction certifies that it will, to the maximum extent feasible,
provide for hiring of employees that reside in the vicinity of NSP3 funded projects or contract
with small businesses that are owned and operated by persons residing in the vicinity of NSP3
projects.
(17) Development of affordable rental housing. The jurisdiction certifies that it will be abide by
the procedures described in its NSP3 Abbreviated Plan to create preferences for the
development of affordable rental housing for properties assisted with NSP3 funds.
_________________________________ _____________
Signature/Authorized Official Date
___________________
Title
RichmondRichmondAntiochConcordDanvilleHerculesOakleyPittsburgOrindaSan RamonLafayetteMartinezBrentwoodMoragaPinoleWalnut CreekPleasant HillClaytonEl CerritoSan PabloRichmond}þ12}þ160}þ24}þ84}þ121}þ242}þ92}þ160}þ84§¨¦80§¨¦80567J4§¨¦680}þ4}þ4Neighborhood Stablization Program (NSP) ThreeQualifying Census Block Groups in Contra Costa County8NSP Need Score17181920West County Inset AreaCongress created the Neighborhood stabilization Program to help cities, counties and states deal with community problems that are the result of the mortgage foreclosure crisis in the nation. HUD provides money to about 250 local governments (cities and counties) in all 50 states. Generally, the money must be used to buy, fix up, and resell foreclosed and abandoned homes. As long as the funds are used for this redevelopment, the units of government that receive HUD funds decide how to use the funds and what specific redevelopment activities to undertake. NSP3 funds were allocated by a formula based on the number of foreclosures and vacancies in the 20 percent of U.S. neighborhoods (Census Tracts) with the highest rates of homes financed by a subprime mortgage, are delinquent, or are in foreclosure. In California,the minimum NSP Need score is 17. Map created 12/10/2010by Contra Costa County Community Development, GIS Group651 Pine Street, 4th Floor – North Wing, Martinez, CA 94553-009537:59:48.455N 122:06:35.384W05102.5MilesWest County Inset Map
Antioch - Tabora
Neighborhood ID: 4751281
NSP3 Planning Data
Grantee ID: 0601300C
Grantee State: CA
Grantee Name: CONTRA COSTA COUNTY
Grantee Address: 2530 Arnold Drive, Suite 190 Martinez CA 94553
Grantee Email: kara.douglas@dcd.cccounty.us
Neighborhood Name: Antioch - Tabora
Date:2011-01-05 00:00:00
NSP3 Score
The neighborhoods identified by the NSP3 grantee as being the areas of greatest need must
have an individual or average combined index score for the grantee's identified target
geography that is not less than the lesser of 17 or the twentieth percentile most needy score in
an individual state. For example, if a state's twentieth percentile most needy census tract is 18,
the requirement will be a minimum need of 17. If, however, a state's twentieth percentile most
needy census tract is 15, the requirement will be a minimum need of 15. If more than one
neighborhood is identified in the Action Plan, HUD will average the Neighborhood Scores,
weighting the scores by the estimated number of housing units in each identified neighborhood.
Neighborhood NSP3 Score: 17
State Minimum Threshold NSP3 Score: 17
Total Housing Units in Neighborhood: 239
Area Benefit Eligibility
Percent Persons Less than 120% AMI: 69.5
Percent Persons Less than 80% AMI: 28.6
Neighborhood Attributes (Estimates)
Vacancy Estimate
USPS data on addresses not receiving mail in the last 90 days or "NoStat" can be a useful
measure of whether or not a target area has a serious vacancy problem. For urban
neighborhoods, HUD has found that neighborhoods with a very hig h number vacant addresses
relative to the total addresses in an area to be a very good indicator of a current for potentially
serious blight problem.
The USPS "NoStat" indicator can mean different things. In rural areas, it is an indicator of
vacancy. However, it can also be an address that has been issued but not ever used, it can
indicate units under development, and it can be a very distressed property (most of the still flood
damaged properties in New Orleans are NoStat). When using this variable, users need to
understand the target area identified.
In addition, the housing unit counts HUD gets from the US Census indicated above are usually
close to the residential address counts from the USPS below. However, if the Census and
USPS counts are substantially different for your identified target area, users are advised to use
the information below with caution. For example if there are many NoStats in an area for units
never built, the USPS residential address count may be larger than the Census number; if the
area is a rural area largely served by PO boxes it may have fewer addresses than housing
units.
USPS Residential Addresses in Neighborhood: 240
Residential Addresses Vacant 90 or more days (USPS, March 2010): 7
Residential Addresses NoStat (USPS, March 2010): 1
Foreclosure Estimates
HUD has developed a model for predicting where foreclosures are likely. That model estimates
serious delinquency rates using data on the leading causes of foreclosures - subprime loans
(HMDA Census Tract data on high cost and highly leveraged loans), increasing unemployment
(BLS data on unemployment rate change), and fall in home values (FHFA data on house price
change). The predicted serious delinquency rate is then used to apportion the state total counts
of foreclosure starts (from the Mortgage Bankers Association) and REOs (from RealtyTrac) to
individual block groups.
Total Housing Units to receive a mortgage between 2004 and 2007: 127
Percent of Housing Units with a high cost mortgage between 2004 and 2007: 24.5
Percent of Housing Units 90 or more days delinquent or in foreclosure: 14.7
Number of Foreclosure Starts in past year: 9
Number of Housing Units Real Estate Owned July 2009 to June 2010: 5
HUD is encouraging grantees to have small enough target areas for NSP 3 such that their
dollars will have a visible impact on the neighborhood. Nationwide there have been over 1.9
million foreclosure completions in the past two years. NSP 1, 2, and 3 combined are estimated
to only be able to address 100,000 to 120,000 foreclosures. To stabilize a neighborhood
requires focused investment.
Estimated number of properties needed to make an impact in identified target area (20% of
REO in past year): 2
Supporting Data
Metropolitan Area (or non-metropolitan area balance) percent fall in home value since peak
value (Federal Housing Finance Agency Home Price Index through June 2010): -31.1 Place (if
place over 20,000) or county unemployment rate June 2005*: 5.3
Place (if place over 20,000) or county unemployment rate June 2010*: 12.4
*Bureau of Labor Statistics Local Area Unemployment Statistics
Market Analysis:
HUD is providing the data above as a tool for both neighborhood targeting and to help inform
the strategy development. Some things to consider:
1. Persistent Unemployment. Is this an area with persistently high unemployment? Serious
consideration should be given to a rental strategy rather than a homeownership strategy.
2. Home Value Change and Vacancy. Is this an area where foreclosures are largely due to a
combination of falling home values, a recent spike in unemployment, and a relatively low
vacancy rate? A down payment assistance program may be an effective strategy.
3. Persistently High Vacancy. Are there a high number of substandard vacant addresses in the
target area of a community with persistently high unemployment? A demolition/land bank
strategy with selected acquisition rehab for rental or lease-purchase might be considered.
4. Historically low vacancy that is now rising. A targeted strategy of acquisition for
homeownership and rental to retain or regain neighborhood stability might be considered.
5. Historically high cost rental market. Does this market historically have very high rents with low
vacancies?
A strategy of acquiring properties and developing them as long-term affordable rental might be
considered.
Latitude and Longitude of corner points
-121.820784 37.979995 -121.825891 37.980300 -121.826749 37.981653 -121.828594
37.981856
-121.829324 37.983040 -121.827221 37.982972 -121.825290 37.982363
Blocks Comprising Target Neighborhood
060133072054014,
Neighborhood ID: 4957000
NSP3 Planning Data
Grantee ID: 0601300C
Grantee State: CA
Grantee Name: CONTRA COSTA COUNTY
Grantee Address: 2530 Arnold Drive, Suite 190 Martinez CA 94553
Grantee Email: kara.douglas@dcd.cccounty.us
Neighborhood Name: Concord Monument
Date: 2011-01-28 00:00:00
NSP3 Score
The neighborhoods identified by the NSP3 grantee as being the areas of greatest need must
have an individual or average combined index score for the grantee's identified target
geography that is not less than the lesser of 17 or the twentieth percentile most needy score in
an individual state. For example, if a state's twentieth percentile most needy census tract is 18,
the requirement will be a minimum need of 17. If, however, a state's twentieth percentile most
needy census tract is 15, the requirement will be a minimum need of 15. If more than one
neighborhood is identified in the Action Plan, HUD will average the Neighborhood Scores,
weighting the scores by the estimated number of housing units in each identified neighborhood.
Neighborhood NSP3 Score: 17.12
State Minimum Threshold NSP3 Score: 17
Total Housing Units in Neighborhood: 2109
Area Benefit Eligibility
Percent Persons Less than 120% AMI: 93.46
Percent Persons Less than 80% AMI: 74.16
Neighborhood Attributes (Estimates)
Vacancy Estimate
USPS data on addresses not receiving mail in the last 90 days or "NoStat" can be a useful
measure of whether or not a target area has a serious vacancy problem. For urban
neighborhoods, HUD has found that neighborhoods with a very high number vacant addresses
relative to the total addresses in an area to be a very good indicator of a current for potentially
serious blight problem.
The USPS "NoStat" indicator can mean different things. In rural areas, it is an indicator of
vacancy. However, it can also be an address that has been issued but not ever used, it can
indicate units under development, and it can be a very distressed property (most of the still flood
damaged properties in New Orleans are NoStat). When using this variable, users need to
understand the target area identified.
In addition, the housing unit counts HUD gets from the US Census indicated above are usually
close to the residential address counts from the USPS below. However, if the Census and
USPS counts are substantially different for your identified target area, users are advised to use
the information below with caution. For example if there are many NoStats in an area for units
never built, the USPS residential address count may be larger than the Census number; if the
area is a rural area largely served by PO boxes it may have fewer addresses than housing
units.
USPS Residential Addresses in Neighborhood: 2095
Residential Addresses Vacant 90 or more days (USPS, March 2010): 21
Residential Addresses NoStat (USPS, March 2010): 15
Foreclosure Estimates
HUD has developed a model for predicting where foreclosures are likely. That model estimates
serious delinquency rates using data on the leading causes of foreclosures - subprime loans
(HMDA Census Tract data on high cost and highly leveraged loans), increasing unemployment
(BLS data on unemployment rate change), and fall in home values (FHFA data on house price
change). The predicted serious delinquency rate is then used to apportion the state total counts
of foreclosure starts (from the Mortgage Bankers Association) and REOs (from RealtyTrac) to
individual block groups.
Total Housing Units to receive a mortgage between 2004 and 2007: 651
Percent of Housing Units with a high cost mortgage between 2004 and 2007: 24.56
Percent of Housing Units 90 or more days delinquent or in foreclosure: 14.65
Number of Foreclosure Starts in past year: 45
Number of Housing Units Real Estate Owned July 2009 to June 2010: 25
HUD is encouraging grantees to have small enough target areas for NSP 3 such that their
dollars will have a visible impact on the neighborhood. Nationwide there have been over 1.9
million foreclosure completions in the past two years. NSP 1, 2, and 3 combined are estimated
to only be able to address 100,000 to 120,000 foreclosures. To stabilize a neighborhood
requires focused investment.
Estimated number of properties needed to make an impact in identified target area (20% of
REO in past year): 9
Supporting Data
Metropolitan Area (or non-metropolitan area balance) percent fall in home value since peak
value (Federal Housing Finance Agency Home Price Index through June 2010): -31.1
Place (if place over 20,000) or county unemployment rate June 2005*: 5.1
Place (if place over 20,000) or county unemployment rate June 2010*: 11.8
*Bureau of Labor Statistics Local Area Unemployment Statistics
Market Analysis:
HUD is providing the data above as a tool for both neighborhood targeting and to help inform
the strategy development. Some things to consider:
1. Persistent Unemployment. Is this an area with persistently high unemployment? Serious
consideration should be given to a rental strategy rather than a homeownership strategy.
2. Home Value Change and Vacancy. Is this an area where foreclosures are largely due to a
combination of falling home values, a recent spike in unemployment, and a relatively low
vacancy rate? A down payment assistance program may be an effective strategy.
3. Persistently High Vacancy. Are there a high number of substandard vacant addresses in the
target area of a community with persistently high unemployment? A demolition/land bank
strategy with selected acquisition rehab for rental or lease-purchase might be considered.
4. Historically low vacancy that is now rising. A targeted strategy of acquisition for
homeownership and rental to retain or regain neighborhood stability might be considered.
5. Historically high cost rental market. Does this market historically have very high rents with low
vacancies? A strategy of acquiring properties and developing them as long-term affordable
rental might be considered.
Latitude and Longitude of corner points
-122.044415 37.952489 -122.047505 37.955467 -122.044115 37.957666 -122.043815
37.957463
-122.041454 37.959019 -122.039609 37.960305 -122.041497 37.962166 -122.039094
37.963756
-122.038708 37.964467 -122.038021 37.965008 -122.035017 37.966700 -122.034545
37.966903
-122.033601 37.965956 -122.032743 37.966395 -122.031670 37.964332 -122.031755
37.962741
-122.032571 37.960813 -122.033644 37.960068 -122.039223 37.956312
Blocks Comprising Target Neighborhood
060133361012006, 060133361012008, 060133361012012, 060133361012007,
060133361012005, 060133361012003, 060133361021000, 060133361021004,
060133361021003, 060133361021002, 060133362002000, 060133362002001,
060133362002002, 060133362004002, 060133362005000, 060133362005001,
Pittsburg – Los Medanos
Neighborhood ID: 5687866
NSP3 Planning Data
Grantee ID: 0601300C
Grantee State: CA
Grantee Name: CONTRA COSTA COUNTY
Grantee Address: 2530 Arnold Drive, Suite 190 Martinez CA 94553
Grantee Email: kara.douglas@dcd.cccounty.us
Neighborhood Name: Pittsburg - Los Medanos
Date:2011-01-19 00:00:00
NSP3 Score
The neighborhoods identified by the NSP3 grantee as being the areas of greatest need must
have an individual or average combined index score for the grantee's identified target
geography that is not less than the lesser of 17 or the twentieth percentile most needy score in
an individual state. For example, if a state's twentieth percentile most needy census tract is 18,
the requirement will be a minimum need of 17. If, however, a state's twentieth percentile most
needy census tract is 15, the requirement will be a minimum need of 15. If more than one
neighborhood is identified in the Action Plan, HUD will average the Neighborhood Scores,
weighting the scores by the estimated number of housing units in each identified neighborhood.
Neighborhood NSP3 Score: 19
State Minimum Threshold NSP3 Score: 17
Total Housing Units in Neighborhood: 187
Area Benefit Eligibility
Percent Persons Less than 120% AMI: 95
Percent Persons Less than 80% AMI: 81.8
Neighborhood Attributes (Estimates)
Vacancy Estimate
USPS data on addresses not receiving mail in the last 90 days or "NoStat" can be a useful
measure of whether or not a target area has a serious vacancy problem. For urban
neighborhoods, HUD has found that neighborhoods with a very high number vacant addresses
relative to the total addresses in an area to be a very good indicator of a current for potentially
serious blight problem.
The USPS "NoStat" indicator can mean different things. In rural areas, it is an indicator of
vacancy. However, it can also be an address that has been issued but not ever used, it can
indicate units under development, and it can be a very distressed property (most of the still flood
damaged properties in New Orleans are NoStat). When using this variable, users need to
understand the target area identified.
In addition, the housing unit counts HUD gets from the US Census indicated above are usually
close to the residential address counts from the USPS below. However, if the Census and
USPS counts are substantially different for your identified target area, users are advised to use
the information below with caution. For example if there are many NoStats in an area for units
never built, the USPS residential address count may be larger than the Census number; if the
area is a rural area largely served by PO boxes it may have fewer addresses than housing
units.
USPS Residential Addresses in Neighborhood: 246
Residential Addresses Vacant 90 or more days (USPS, March 2010): 10
Residential Addresses NoStat (USPS, March 2010): 4
Foreclosure Estimates
HUD has developed a model for predicting where foreclosures are likely. That model estimates
serious delinquency rates using data on the leading causes of foreclosures - subprime loans
(HMDA Census Tract data on high cost and highly leveraged loans), increasing unemployment
(BLS data on unemployment rate change), and fall in home values (FHFA data on house price
change). The predicted serious delinquency rate is then used to apportion the state total counts
of foreclosure starts (from the Mortgage Bankers Association) and REOs (from RealtyTrac) to
individual block groups.
Total Housing Units to receive a mortgage between 2004 and 2007: 174
Percent of Housing Units with a high cost mortgage between 2004 and 2007: 28.1
Percent of Housing Units 90 or more days delinquent or in foreclosure: 17.4
Number of Foreclosure Starts in past year: 15
Number of Housing Units Real Estate Owned July 2009 to June 2010: 8
HUD is encouraging grantees to have small enough target areas for NSP 3 such that their
dollars will have a visible impact on the neighborhood. Nationwide there have been over 1.9
million foreclosure completions in the past two years. NSP 1, 2, and 3 combined are estimated
to only be able to address 100,000 to 120,000 foreclosures. To stabilize a neighborhood
requires focused investment.
Estimated number of properties needed to make an impact in identified target area (20% of
REO in past year): 3
Supporting Data
Metropolitan Area (or non-metropolitan area balance) percent fall in home value since peak
value (Federal Housing Finance Agency Home Price Index through June 2010): -31.1
Place (if place over 20,000) or county unemployment rate June 2005*: 7.6
Place (if place over 20,000) or county unemployment rate June 2010*: 17.1
*Bureau of Labor Statistics Local Area Unemployment Statistics
Market Analysis:
HUD is providing the data above as a tool for both neighborhood targeting and to help inform
the strategy development. Some things to consider:
1. Persistent Unemployment. Is this an area with persistently high unemployment? Serious
consideration should be given to a rental strategy rather than a homeownership strategy.
2. Home Value Change and Vacancy. Is this an area where foreclosures are largely due to a
combination of falling home values, a recent spike in unemployment, and a relatively low
vacancy rate? A down payment assistance program may be an effective strategy.
3. Persistently High Vacancy. Are there a high number of substandard vacant addresses in the
target area of a community with persistently high unemployment? A demolition/land bank
strategy with selected acquisition rehab for rental or lease-purchase might be considered.
4. Historically low vacancy that is now rising. A targeted strategy of acquisition for
homeownership and rental to retain or regain neighborhood stability might be considered.
5. Historically high cost rental market. Does this market historically have very high rents with low
vacancies? A strategy of acquiring properties and developing them as long-term affordable
rental might be considered.
Latitude and Longitude of corner points
-121.881680 38.024971 -121.879106 38.024228 -121.878548 38.026323 -121.878376
38.027879
-121.883912 38.029129 -121.884298 38.027743 -121.880951 38.026932
Blocks Comprising Target Neighborhood
060133100002000, 060133100002007, 060133100002015, 060133100002014,
060133100002013, 060133100002008, 060133100002019,
Bay Point Bella Monte
Neighborhood ID: 8858520
NSP3 Planning Data
Grantee ID: 0601300C
Grantee State: CA
Grantee Name: CONTRA COSTA COUNTY
Grantee Address: 2530 Arnold Drive, Suite 190 Martinez CA 94553
Grantee Email: kara.douglas@dcd.cccounty.us
Neighborhood Name: Bay Point - Bella Monte
Date:2011-01-28 00:00:00
NSP3 Score
The neighborhoods identified by the NSP3 grantee as being the areas of greatest need must
have an individual or average combined index score for the grantee's identified target
geography that is not less than the lesser of 17 or the twentieth percentile most needy score in
an individual state. For example, if a state's twentieth percentile most needy census tract is 18,
the requirement will be a minimum need of 17. If, however, a state's twentieth percentile most
needy census tract is 15, the requirement will be a minimum need of 15. If more than one
neighborhood is identified in the Action Plan, HUD will average the Neighborhood Scores,
weighting the scores by the estimated number of housing units in each identified neighborhood.
Neighborhood NSP3 Score: 18
State Minimum Threshold NSP3 Score: 17
Total Housing Units in Neighborhood: 1792
Area Benefit Eligibility
Percent Persons Less than 120% AMI: 87.1
Percent Persons Less than 80% AMI: 68.06
Neighborhood Attributes (Estimates)
Vacancy Estimate
USPS data on addresses not receiving mail in the last 90 days or "NoStat" can be a useful
measure of whether or not a target area has a serious vacancy problem. For urban
neighborhoods, HUD has found that neighborhoods with a very high number vacant addresses
relative to the total addresses in an area to be a very good indicator of a current for potentially
serious blight problem.
The USPS "NoStat" indicator can mean different things. In rural areas, it is an indicator of
vacancy. However, it can also be an address that has been issued but not ever used, it can
indicate units under development, and it can be a very distressed property (most of the still flood
damaged properties in New Orleans are NoStat). When using this variable, users need to
understand the target area identified.
In addition, the housing unit counts HUD gets from the US Census indicated above are usually
close to the residential address counts from the USPS below. However, if the Census and
USPS counts are substantially different for your identified target area, users are advised to use
the information below with caution. For example if there are many NoStats in an area for units
never built, the USPS residential address count may be larger than the Census number; if the
area is a rural area largely served by PO boxes it may have fewer addresses than housing
units.
USPS Residential Addresses in Neighborhood: 1957
Residential Addresses Vacant 90 or more days (USPS, March 2010): 49
Residential Addresses NoStat (USPS, March 2010): 104
Foreclosure Estimates
HUD has developed a model for predicting where foreclosures are likely. That model estimates
serious delinquency rates using data on the leading causes of foreclosures - subprime loans
(HMDA Census Tract data on high cost and highly leveraged loans), increasing unemployment
(BLS data on unemployment rate change), and fall in home values (FHFA data on house price
change). The predicted serious delinquency rate is then used to apportion the state total counts
of foreclosure starts (from the Mortgage Bankers Association) and REOs (from RealtyTrac) to
individual block groups.
Total Housing Units to receive a mortgage between 2004 and 2007: 1025
Percent of Housing Units with a high cost mortgage between 2004 and 2007: 29.8
Percent of Housing Units 90 or more days delinquent or in foreclosure: 16.3
Number of Foreclosure Starts in past year: 81
Number of Housing Units Real Estate Owned July 2009 to June 2010: 45
HUD is encouraging grantees to have small enough target areas for NSP 3 such that their
dollars will have a visible impact on the neighborhood. Nationwide there have been over 1.9
million foreclosure completions in the past two years. NSP 1, 2, and 3 combined are estimated
to only be able to address 100,000 to 120,000 foreclosures. To stabilize a neighborhood
requires focused investment.
Estimated number of properties needed to make an impact in identified target area (20% of
REO in past year): 17
Supporting Data
Metropolitan Area (or non-metropolitan area balance) percent fall in home value since peak
value (Federal Housing Finance Agency Home Price Index through June 2010): -31.1
Place (if place over 20,000) or county unemployment rate June 2005*: 4.7
Place (if place over 20,000) or county unemployment rate June 2010*: 10.9
*Bureau of Labor Statistics Local Area Unemployment Statistics
Market Analysis:
HUD is providing the data above as a tool for both neighborhood targeting and to help inform
the strategy development. Some things to consider:
1. Persistent Unemployment. Is this an area with persistently high unemployment? Serious
consideration should be given to a rental strategy rather than a homeownership strategy.
2. Home Value Change and Vacancy. Is this an area where foreclosures are largely due to a
combination of falling home values, a recent spike in unemployment, and a relatively low
vacancy rate? A down payment assistance program may be an effective strategy.
3. Persistently High Vacancy. Are there a high number of substandard vacant addresses in the
target area of a community with persistently high unemployment? A demolition/land bank
strategy with selected acquisition rehab for rental or lease-purchase might be considered.
4. Historically low vacancy that is now rising. A targeted strategy of acquisition for
homeownership and rental to retain or regain neighborhood stability might be considered.
5. Historically high cost rental market. Does this market historically have very high rents with low
vacancies? A strategy of acquiring properties and developing them as long-term affordable
rental might be considered.
Latitude and Longitude of corner points
-121.961718 38.025512 -121.957941 38.022875 -121.954937 38.022064 -121.951675
38.020644
-121.948242 38.019156 -121.944551 38.019156 -121.942492 38.020103 -121.941719
38.019224
-121.937513 38.019292 -121.932964 38.019359 -121.933050 38.023213 -121.928158
38.023146
-121.928501 38.026729 -121.937513 38.026797 -121.937771 38.021050 -121.942062
38.022334
-121.942062 38.026797 -121.960430 38.026932
Blocks Comprising Target Neighborhood
060133141041006, 060133141041021, 060133141041020, 060133141041019,
060133141041018, 060133141041017, 060133141041016, 060133141041015,
060133141041014, 060133141041013, 060133141041012, 060133141041011,
060133141041010, 060133141041009, 060133141041008, 060133141041007,
060133141041005, 060133141042000, 060133141042003, 060133141042005,
060133141042007, 060133141042019, 060133141042018, 060133141042017,
060133141042016, 060133141042015, 060133141042014, 060133141042013,
060133141042012, 060133141042011, 060133141042010, 060133141042009,
060133141042008, 060133141042006, 060133141042004, 060133141042002,
060133141042001, 060133141043002, 060133141043005, 060133141043014,
060133141043013, 060133141043012, 060133141043025, 060133141043024,
060133141043023, 060133141043022, 060133141043004, 060133141043003,
Bay Point – Shore Acres
Neighborhood ID: 9556427
NSP3 Planning Data
Grantee ID: 0630000E,0601300C
Grantee State: CA
Grantee Name: RICHMOND,CONTRA COSTA COUNTY
Grantee Address: 2530 Arnold Drive, Suite 190 Martinez CA 94553
Grantee Email: kara.douglas@dcd.cccounty.us
Neighborhood Name: N Richmond-Cnty/City
Date:2011-01-26 00:00:00
NSP3 Score
The neighborhoods identified by the NSP3 grantee as being the areas of greatest need must
have an individual or average combined index score for the grantee's identified target
geography that is not less than the lesser of 17 or the twentieth percentile most needy score in
an individual state. For example, if a state's twentieth percentile most needy census tract is 18,
the requirement will be a minimum need of 17. If, however, a state's twentieth percentile most
needy census tract is 15, the requirement will be a minimum need of 15. If more than one
neighborhood is identified in the Action Plan, HUD will average the Neighborhood Scores,
weighting the scores by the estimated number of housing units in each identified neighborhood.
Neighborhood NSP3 Score: 18.75
State Minimum Threshold NSP3 Score: 17
Total Housing Units in Neighborhood: 1040
Area Benefit Eligibility
Percent Persons Less than 120% AMI: 93.3
Percent Persons Less than 80% AMI: 82.18
Neighborhood Attributes (Estimates)
Vacancy Estimate
USPS data on addresses not receiving mail in the last 90 days or "NoStat" can be a useful
measure of whether or not a target area has a serious vacancy problem. For urban
neighborhoods, HUD has found that neighborhoods with a very high number vacant addresses
relative to the total addresses in an area to be a very good indicator of a current for potentially
serious blight problem.
The USPS "NoStat" indicator can mean different things. In rural areas, it is an indicator of
vacancy. However, it can also be an address that has been issued but not ever used, it can
indicate units under development, and it can be a very distressed property (most of the still flood
damaged properties in New Orleans are NoStat). When using this variable, users need to
understand the target area identified.
In addition, the housing unit counts HUD gets from the US Census indicated above are usually
close to the residential address counts from the USPS below. However, if the Census and
USPS counts are substantially different for your identified target area, users are advised to use
the information below with caution. For example if there are many NoStats in an area for units
never built, the USPS residential address count may be larger than the Census number; if the
area is a rural area largely served by PO boxes it may have fewer addresses than housing
units.
USPS Residential Addresses in Neighborhood: 1193
Residential Addresses Vacant 90 or more days (USPS, March 2010): 135
Residential Addresses NoStat (USPS, March 2010): 58
Foreclosure Estimates
HUD has developed a model for predicting where foreclosures are likely. That model estimates
serious delinquency rates using data on the leading causes of foreclosures - subprime loans
(HMDA Census Tract data on high cost and highly leveraged loans), increasing unemployment
(BLS data on unemployment rate change), and fall in home values (FHFA data on house price
change). The predicted serious delinquency rate is then used to apportion the state total counts
of foreclosure starts (from the Mortgage Bankers Association) and REOs (from RealtyTrac) to
individual block groups.
Total Housing Units to receive a mortgage between 2004 and 2007: 673
Percent of Housing Units with a high cost mortgage between 2004 and 2007: 34.64
Percent of Housing Units 90 or more days delinquent or in foreclosure: 19.35
Number of Foreclosure Starts in past year: 63
Number of Housing Units Real Estate Owned July 2009 to June 2010: 34
HUD is encouraging grantees to have small enough target areas for NSP 3 such that their
dollars will have a visible impact on the neighborhood. Nationwide there have been over 1.9
million foreclosure completions in the past two years. NSP 1, 2, and 3 combined are estimated
to only be able to address 100,000 to 120,000 foreclosures. To stabilize a neighborhood
requires focused investment.
Estimated number of properties needed to make an impact in identified target area (20% of
REO in past year): 13
Supporting Data
Metropolitan Area (or non-metropolitan area balance) percent fall in home value since peak
value (Federal Housing Finance Agency Home Price Index through June 2010): -31.1
Place (if place over 20,000) or county unemployment rate June 2005*: 5.81
Place (if place over 20,000) or county unemployment rate June 2010*: 13.27
*Bureau of Labor Statistics Local Area Unemployment Statistics
Market Analysis:
HUD is providing the data above as a tool for both neighborhood targeting and to help inform
the strategy development. Some things to consider:
1. Persistent Unemployment. Is this an area with persistently high unemployment? Serious
consideration should be given to a rental strategy rather than a homeownership strategy.
2. Home Value Change and Vacancy. Is this an area where foreclosures are largely due to a
combination of falling home values, a recent spike in unemployment, and a relatively low
vacancy rate? A down payment assistance program may be an effective strategy.
3. Persistently High Vacancy. Are there a high number of substandard vacant addresses in the
target area of a community with persistently high unemployment? A demolition/land bank
strategy with selected acquisition rehab for rental or lease-purchase might be considered.
4. Historically low vacancy that is now rising. A targeted strategy of acquisition for
homeownership and rental to retain or regain neighborhood stability might be considered.
5. Historically high cost rental market. Does this market historically have very high rents with low
vacancies? A strategy of acquiring properties and developing them as long-term affordable
rental might be considered.
Latitude and Longitude of corner points
-122.368855 37.960035 -122.368770 37.954621 -122.368984 37.954722 -122.368898
37.950695
-122.365766 37.950661 -122.363834 37.951473 -122.362504 37.952116 -122.362375
37.954790
-122.362461 37.960745 -122.364779 37.960474 -122.366538 37.960271 -122.367868
37.960204
Blocks Comprising Target Neighborhood
060133650022020, 060133650023016, 060133650023021, 060133650023023,
060133650023020, 060133650024000, 060133650024005, 060133650024007,
060133650024009, 060133650024013, 060133650024014, 060133650024012,
060133650024008, 060133650024006, 060133650024002, 060133650024001,
060133780002002, 060133780002003, 060133780002004, 060133650021000,
060133650021001, 060133650021002, 060133650021010, 060133650021011,
060133650021012, 060133650021013, 060133650021014, 060133650021015,
060133650021018, 060133650021019, 060133650021020, 060133650022017,
060133650022026, 060133650022025, 060133650022024, 060133650022023,
060133650022022, 060133650022018, 060133650022019, 060133650023003,
060133650023004, 060133650023005, 060133650023006, 060133650023007,
060133650023019, 060133650023018, 060133650023017, 060133650023008,
060133650023009, 060133650023010, 060133650023011,
North Richmond – City and County
Neighborhood ID: 9556427
NSP3 Planning Data
Grantee ID: 0630000E,0601300C
Grantee State: CA
Grantee Name: RICHMOND,CONTRA COSTA COUNTY
Grantee Address: 2530 Arnold Drive, Suite 190 Martinez CA 94553
Grantee Email: kara.douglas@dcd.cccounty.us
Neighborhood Name: N Richmond-Cnty/City
Date:2011-01-26 00:00:00
NSP3 Score
The neighborhoods identified by the NSP3 grantee as being the areas of greatest need must
have an individual or average combined index score for the grantee's identified target
geography that is not less than the lesser of 17 or the twentieth percentile most needy score in
an individual state. For example, if a state's twentieth percentile most needy census tract is 18,
the requirement will be a minimum need of 17. If, however, a state's twentieth percentile most
needy census tract is 15, the requirement will be a minimum need of 15. If more than one
neighborhood is identified in the Action Plan, HUD will average the Neighborhood Scores,
weighting the scores by the estimated number of housing units in each identified neighborhood.
Neighborhood NSP3 Score: 18.75
State Minimum Threshold NSP3 Score: 17
Total Housing Units in Neighborhood: 1040
Area Benefit Eligibility
Percent Persons Less than 120% AMI: 93.3
Percent Persons Less than 80% AMI: 82.18
Neighborhood Attributes (Estimates)
Vacancy Estimate
USPS data on addresses not receiving mail in the last 90 days or "NoStat" can be a useful
measure of whether or not a target area has a serious vacancy problem. For urban
neighborhoods, HUD has found that neighborhoods with a very high number vacant addresses
relative to the total addresses in an area to be a very good indicator of a current for potentially
serious blight problem.
The USPS "NoStat" indicator can mean different things. In rural areas, it is an indicator of
vacancy. However, it can also be an address that has been issued but not ever used, it can
indicate units under development, and it can be a very distressed property (most of the still flood
damaged properties in New Orleans are NoStat). When using this variable, users need to
understand the target area identified.
In addition, the housing unit counts HUD gets from the US Census indicated above are usually
close to the residential address counts from the USPS below. However, if the Census and
USPS counts are substantially different for your identified target area, users are advised to use
the information below with caution. For example if there are many NoStats in an area for units
never built, the USPS residential address count may be larger than the Census number; if the
area is a rural area largely served by PO boxes it may have fewer addresses than housing
units.
USPS Residential Addresses in Neighborhood: 1193
Residential Addresses Vacant 90 or more days (USPS, March 2010): 135
Residential Addresses NoStat (USPS, March 2010): 58
Foreclosure Estimates
HUD has developed a model for predicting where foreclosures are likely. That model estimates
serious delinquency rates using data on the leading causes of foreclosures - subprime loans
(HMDA Census Tract data on high cost and highly leveraged loans), increasing unemployment
(BLS data on unemployment rate change), and fall in home values (FHFA data on house price
change). The predicted serious delinquency rate is then used to apportion the state total counts
of foreclosure starts (from the Mortgage Bankers Association) and REOs (from RealtyTrac) to
individual block groups.
Total Housing Units to receive a mortgage between 2004 and 2007: 673
Percent of Housing Units with a high cost mortgage between 2004 and 2007: 34.64
Percent of Housing Units 90 or more days delinquent or in foreclosure: 19.35
Number of Foreclosure Starts in past year: 63
Number of Housing Units Real Estate Owned July 2009 to June 2010: 34
HUD is encouraging grantees to have small enough target areas for NSP 3 such that their
dollars will have a visible impact on the neighborhood. Nationwide there have been over 1.9
million foreclosure completions in the past two years. NSP 1, 2, and 3 combined are estimated
to only be able to address 100,000 to 120,000 foreclosures. To stabilize a neighborhood
requires focused investment.
Estimated number of properties needed to make an impact in identified target area (20% of
REO in past year): 13
Supporting Data
Metropolitan Area (or non-metropolitan area balance) percent fall in home value since peak
value (Federal Housing Finance Agency Home Price Index through June 2010): -31.1
Place (if place over 20,000) or county unemployment rate June 2005*: 5.81
Place (if place over 20,000) or county unemployment rate June 2010*: 13.27
*Bureau of Labor Statistics Local Area Unemployment Statistics
Market Analysis:
HUD is providing the data above as a tool for both neighborhood targeting and to help inform
the strategy development. Some things to consider:
1. Persistent Unemployment. Is this an area with persistently high unemployment? Serious
consideration should be given to a rental strategy rather than a homeownership strategy.
2. Home Value Change and Vacancy. Is this an area where foreclosures are largely due to a
combination of falling home values, a recent spike in unemployment, and a relatively low
vacancy rate? A down payment assistance program may be an effective strategy.
3. Persistently High Vacancy. Are there a high number of substandard vacant addresses in the
target area of a community with persistently high unemployment? A demolition/land bank
strategy with selected acquisition rehab for rental or lease-purchase might be considered.
4. Historically low vacancy that is now rising. A targeted strategy of acquisition for
homeownership and rental to retain or regain neighborhood stability might be considered.
5. Historically high cost rental market. Does this market historically have very high rents with low
vacancies? A strategy of acquiring properties and developing them as long-term affordable
rental might be considered.
Latitude and Longitude of corner points
-122.368855 37.960035 -122.368770 37.954621 -122.368984 37.954722 -122.368898
37.950695
-122.365766 37.950661 -122.363834 37.951473 -122.362504 37.952116 -122.362375
37.954790
-122.362461 37.960745 -122.364779 37.960474 -122.366538 37.960271 -122.367868
37.960204
Blocks Comprising Target Neighborhood
060133650022020, 060133650023016, 060133650023021, 060133650023023,
060133650023020, 060133650024000, 060133650024005, 060133650024007,
060133650024009, 060133650024013, 060133650024014, 060133650024012,
060133650024008, 060133650024006, 060133650024002, 060133650024001,
060133780002002, 060133780002003, 060133780002004, 060133650021000,
060133650021001, 060133650021002, 060133650021010, 060133650021011,
060133650021012, 060133650021013, 060133650021014, 060133650021015,
060133650021018, 060133650021019, 060133650021020, 060133650022017,
060133650022026, 060133650022025, 060133650022024, 060133650022023,
060133650022022, 060133650022018, 060133650022019, 060133650023003,
060133650023004, 060133650023005, 060133650023006, 060133650023007,
060133650023019, 060133650023018, 060133650023017, 060133650023008,
060133650023009, 060133650023010, 060133650023011,
San Pablo – Old Town
Neighborhood ID: 2304901
NSP3 Planning Data
Grantee ID: 0601300C
Grantee State: CA
Grantee Name: CONTRA COSTA COUNTY
Grantee Address: 2530 Arnold Drive, Suite 190 Martinez CA 94553
Grantee Email: kara.douglas@dcd.cccounty.us
Neighborhood Name: San Pablo - Old Town
Date:2011-01-26 00:00:00
NSP3 Score
The neighborhoods identified by the NSP3 grantee as being the areas of greatest need must
have an individual or average combined index score for the grantee's identified target
geography that is not less than the lesser of 17 or the twentieth percentile most needy score in
an individual state. For example, if a state's twentieth percentile most needy census tract is 18,
the requirement will be a minimum need of 17. If, however, a state's twentieth percentile most
needy census tract is 15, the requirement will be a minimum need of 15. If more than one
neighborhood is identified in the Action Plan, HUD will average the Neighborhood Scores,
weighting the scores by the estimated number of housing units in each identified neighborhood.
Neighborhood NSP3 Score: 18
State Minimum Threshold NSP3 Score: 17
Total Housing Units in Neighborhood: 1724
Area Benefit Eligibility
Percent Persons Less than 120% AMI: 90.48
Percent Persons Less than 80% AMI: 67.28
Neighborhood Attributes (Estimates)
Vacancy Estimate
USPS data on addresses not receiving mail in the last 90 days or "NoStat" can be a useful
measure of whether or not a target area has a serious vacancy problem. For urban
neighborhoods, HUD has found that neighborhoods with a very high number vacant addresses
relative to the total addresses in an area to be a very good indicator of a current for potentially
serious blight problem.
The USPS "NoStat" indicator can mean different things. In rural areas, it is an indicator of
vacancy. However, it can also be an address that has been issued but not ever used, it can
indicate units under development, and it can be a very distressed property (most of the still flood
damaged properties in New Orleans are NoStat). When using this variable, users need to
understand the target area identified.
In addition, the housing unit counts HUD gets from the US Census indicated above are usually
close to the residential address counts from the USPS below. However, if the Census and
USPS counts are substantially different for your identified target area, users are advised to use
the information below with caution. For example if there are many NoStats in an area for units
never built, the USPS residential address count may be larger than the Census number; if the
area is a rural area largely served by PO boxes it may have fewer addresses than housing
units.
USPS Residential Addresses in Neighborhood: 1794
Residential Addresses Vacant 90 or more days (USPS, March 2010): 69
Residential Addresses NoStat (USPS, March 2010): 14
Foreclosure Estimates
HUD has developed a model for predicting where foreclosures are likely. That model estimates
serious delinquency rates using data on the leading causes of foreclosures - subprime loans
(HMDA Census Tract data on high cost and highly leveraged loans), increasing unemployment
(BLS data on unemployment rate change), and fall in home values (FHFA data on house price
change). The predicted serious delinquency rate is then used to apportion the state total counts
of foreclosure starts (from the Mortgage Bankers Association) and REOs (from RealtyTrac) to
individual block groups.
Total Housing Units to receive a mortgage between 2004 and 2007: 1011
Percent of Housing Units with a high cost mortgage between 2004 and 2007: 25.3
Percent of Housing Units 90 or more days delinquent or in foreclosure: 16.2
Number of Foreclosure Starts in past year: 80
Number of Housing Units Real Estate Owned July 2009 to June 2010: 45
HUD is encouraging grantees to have small enough target areas for NSP 3 such that their
dollars will have a visible impact on the neighborhood. Nationwide there have been over 1.9
million foreclosure completions in the past two years. NSP 1, 2, and 3 combined are estimated
to only be able to address 100,000 to 120,000 foreclosures. To stabilize a neighborhood
requires focused investment.
Estimated number of properties needed to make an impact in identified target area (20% of
REO in past year): 16
Supporting Data
Metropolitan Area (or non-metropolitan area balance) percent fall in home value since peak
value (Federal Housing Finance Agency Home Price Index through June 2010): -31.1
Place (if place over 20,000) or county unemployment rate June 2005*: 9.8
Place (if place over 20,000) or county unemployment rate June 2010*: 21.4
*Bureau of Labor Statistics Local Area Unemployment Statistics
Market Analysis:
HUD is providing the data above as a tool for both neighborhood targeting and to help inform
the strategy development. Some things to consider:
1. Persistent Unemployment. Is this an area with persistently high unemployment? Serious
consideration should be given to a rental strategy rather than a homeownership strategy.
2. Home Value Change and Vacancy. Is this an area where foreclosures are largely due to a
combination of falling home values, a recent spike in unemployment, and a relatively low
vacancy rate? A down payment assistance program may be an effective strategy.
3. Persistently High Vacancy. Are there a high number of substandard vacant addresses in the
target area of a community with persistently high unemployment? A demolition/land bank
strategy with selected acquisition rehab for rental or lease-purchase might be considered.
4. Historically low vacancy that is now rising. A targeted strategy of acquisition for
homeownership and rental to retain or regain neighborhood stability might be considered.
5. Historically high cost rental market. Does this market historically have very high rents with low
vacancies? A strategy of acquiring properties and developing them as long-term affordable
rental might be considered.
Latitude and Longitude of corner points
-122.347355 37.953402 -122.357054 37.953335 -122.356882 37.958986 -122.356539
37.960677
-122.354822 37.963892 -122.350745 37.962809 -122.347827 37.962234 -122.345724
37.962065
-122.346754 37.959595 -122.347183 37.958004 -122.347355 37.956786
Blocks Comprising Target Neighborhood
060133680001016, 060133680001015, 060133680001014, 060133680001013,
060133680001012, 060133680001011, 060133680001010, 060133680001002,
060133680002000, 060133680002001, 060133680002002, 060133680002003,
060133680002005, 060133680002007, 060133680002019, 060133680002018,
060133680002017, 060133680002016, 060133680002015, 060133680002014,
060133680002013, 060133680002012, 060133680002009, 060133680002008,
060133680002006, 060133680002004, 060133680003001, 060133680003002,
060133680003003, 060133680003007, 060133680003013, 060133680003012,
060133680003009, 060133680003008, 060133680003006, 060133680003004,
060133680005000, 060133680005002, 060133680005004, 060133680005013,
060133680005012, 060133680005011, 060133680005010, 060133680005009,
060133680005008, 060133680005007, 060133680005006, 060133680005005,
060133680005003, 060133680005001, 060133680006000, 060133680006001,
060133680006004, 060133680006006, 060133680006008, 060133680006009,
060133680006007, 060133680006005,
CALIFORNIA ENVIRONMENTAL QUALITY ACT
NNotice of Exemption
Contra Costa County Department of Conservation and Development
651 Pine Street, 4th Floor - North Wing, McBrien Administration Building
Martinez, CA 94553-0095
Telephone: (925) 335-7223 Contact Person: Kara Douglas
Project Description: Neighborhood Stabilization Program 3 (NSP3)/CDBG Action Plan Substantial Amendment, The activity
consists of the amendment of the FY 2010/11 CDBG Annual Action Plan to include $1,871,294 in NSP3 funds. NSP3 provides
targeted emergency assistance to state and local governments to acquire and redevelop vacant and foreclosed residential
properties that might otherwise become sources of abandonment and blight within our communities. The purpose of the
Substantial Amendment to the Annual Action Plan is to set forth the target areas and programs for the Contra Costa NSP3
activities.
Project Location: Target areas include: Portions of the following cities and communities: Antioch, Bay Point, Concord,
Pittsburg, North Richmond, Richmond and San Pablo.
This project is exempt from CEQA as a:
Ministerial Project (Sec. 15268) Other Statutory Exemption, Section
Declared Emergency (Sec. 15269(a)) X General Rule of Applicability (Section 15061(b)(3)
Emergency Project (Sec. 15269(b) or (c))
Categorical Exemption,
for the following reason(s): This activity is not subject to the California Environmental Quality Act (CEQA) pursuant to
Article 5, Section 15061 (b) (3) of the CEQA Guidelines. It can be seen with certainty that there is no possibility that the
activity may have a significant adverse effect on the environment.
Date: February 15, 2011 By: __________________________________________________
Department of Development Conservation and Development
Representative
AFFIDAVIT OF FILING AND POSTING
I declare that on _________________ I received and posted this notice as required by
California Public Resources Code Section 21152(c). Said notice will remain posted for 30
days from the filing date.
Signature Title
Applicant:
Kara Douglas
DCD, Redevelopment Division
2530 Arnold Drive, Suite 190
Martinez, CA 94553
County Clerk Fee $50 Due