AlexandriaDriveAnexampleofrecyclingaformerhousingdevelopmentintoaffordable

homeownership

HabitatforHumanityNorthumberland •  Foundedin1998

•  Todatebuilt44homesserving46families

•  ReStoreopened2004•  RevenuecoversHFHN’s

operaConalcosts

•  ReNewItprogramhelpslow-incomehomeownersstayintheirhome

AlexandriaDrive:Background

•  LocaCon:TownofCobourg• 100kmeastofToronto,PopulaConof18,000

•  In1998,theoriginalboardwaslookingforpropertyfortheirfirstproject

• Decommissionedmilitarybasehousingfromthe1950’swasoffered,thenownedbytheOntarioDevelopmentCorporaCon

• Propertyincluded24houses,fivevacantlots,greenspace• OriginaldevelopmentwasdonebytheGovernmentofCanada(exemptfromplanningrequirements)

• Onlyonelargeparcelofland–nosubdivisionoflots

AlexandriaDrive:ThePropertyin1998

• Wholeproperty–originally20acresofland

• Houseswererundown,boardedupando\envandalized•  SeveralhousesrequiredextensiveconstrucConordemoliCon

duetothedisrepair

AlexandriaDrive:Partnerships

• HFHNandtheTownofCobourgwerekeypartners• EnsuredmutualsuccessoftheprojectandredevelopmentoftheenCrearea

• AffordabilityandChoiceToday(ACTproject)hadfourtasks:• DeterminealternaCvedevelopmentstandardsforroadandthelotsubdivision

• AssessandinspectexisCngunitstodeterminetheworkneededtobringthemuptooccupancystandards

• Preparedesignguidelines,drawingsandplans• Rehabilitatethehouses

• ACTProjectteamincludedHFHN,locallawyers,churchrepresentaCves,localcontractors,andrepresentaConfromtheTown

AlexandriaDrive:AcquiringtheLand

•  PartnershipbetweenHFHNandtheTownofCobourgwaskeytoacquiringthelandfromODC

• HFHN:24houses,fivevacantbuildinglots• TownofCobourg:Greenspace(10acres)forrecreaConalland

•  Step1:HabitatandCobourgnegoCatedwithOntarioDevelopmentCorporaContodothelandsurvey

• DeterminedtheexactlocaConofthehomesandroadallowance

• Localsurveyordonatedservicestodothesubdivisionoftheparcels(saving$15,000-$20,000)

•  Step2:TownofCobourgpurchasethelandparcelfromODCfor$200,000,averageof$8,333perhouse

AlexandriaDrive:AcquiringtheLand(cont’d)

•  Step3:Cobourgdeclaredhalfofthelandsurplus(theporConwiththehouses)andtransferredCtletoHFHNfor$200,000

• CobourgkepttheundevelopedporContobuildsoccerpitches• CobourgtookbackthemortgageforHabitat(nointerest,reasonablepayments)saving>$35,000inborrowingcharges

• HFHNmadeadown-paymentandregularpaymentsunClpayingthemortgageoffcompletelyin2004

•  Eachhousewasassessedat$50,000–totalof$1.2millionforthe24houses

• CollaboraConwiththeTownsavedHFHN$1million

AlexandriaDrive:LandDevelopment

•  PartnershipwithTownofCobourgensuredcrucialcostsavingsforHFHNinthedevelopmentoftheland

• SinceTownofCobourgisamunicipalgovernmenttheywereabletotransferthe29lotsindividually(insteadofonesingleparcelofland)

• SavedHFHN$30,000-$50,000insubdivisioncosts• Townagreedtowaivethefeeassociatedwiththedevelopmentofanewsubdivision

• SavedHFHNanesCmated$145,000

• InfrastructureupgradesandroadworkweredeferredwhileHFHNhomeownerscontributedtoareservefund

• SavedHFHN$65,000ininterestchargesasnomoneyneededtobeborrowed

AlexandriaDrive:RenovaKons

• HFHNplannedtorenovatethehomesafewataCme,thensellthemtoHabitatpartnerfamilies

• IninterimHFHNplannedtorenthousesthatwerenotrenovatedrightawaytolow-incomefamilies,below-marketrent

• Fivevacantlotswouldeventuallybeusedtobuildnewhomes

• Originalplan-startin1998andcompletethe“BeaconHomesDevelopment”by2005

• HFHNbegantobuilduppublicsupportfortheprojectincludingengaginglocalchurchestohelpcleantheunits,developingavolunteerbasetodotherenovaCon,selecCnglocalfamiliestoownthehomes,andraisingmoneyinthecommunitytocoverthecoststorenovatethehomes

AlexandriaDrive:RenovaKons(cont’d)

•  RenovaConsimprovedthehousesoverallbutspecialemphasisplacedonenergyefficiencyforlong-termaffordability

• Inside:NewandmoresufficientinsulaCon

• Outside:RigidboardinsulaCon,newwrap,sheathingandsiding• Newwindowsanddoors• ReducedoperaConalcostsby50%oncethehomewasrenovated

AlexandriaDrive:Challenges

• Delays• FinalrenovaConprojectcompletedin2011(not2005)duetomanyreasonsincludingtheneedelsewhereintheCounty

• Housesneededtomeetfamilyneedsincludingaccessibility

• ProjectwasahugedemandonHFHN’svolunteerworkforce

•  SCgma

• Assomehomesonthestreethavesoldonthemarket,diversificaConofincomehashelpedtoreducesomeofthesCgmawithinthecommunity

• HFHN’slong-termrole

• Oneby-product-allHFHNfamiliesinoneareahelpedcreateexpectaConHFHNinvolvedasmorethanjustamortgagecompany

AlexandriaDrive:TheResult

•  Intheend…• 24houses,5vacantlotswasturnedinto….• 34safe,decentandaffordablehomes=34families

• WiththreemorehousessClltobecompleted(onevacantlotle\)

AlexandriaDrive:AnenKreNeighbourhoodRejuvenated

•  15+yearprojecthaschangedanenCresecConoftheTownofCobourg

• PartnersfortherenovaConofthehouseshaveincludedcolleges,localbusinesses,churches,rotaryclubs,governmentandvolunteersfromallacrossCanada

•  In1998thisareaofTownincludedtwoschools,adaycare,anindustrialpark,theoldabandonedPMQ’sfromthemilitarybase,andsocialhousing

• In2015therearesoccerfields,baseballdiamonds,alargecommunitycentre,andattheheartofitaneighbourhoodbuiltontheprincipleofaffordablehomeownership

AlexandriaDrive:BeforeandANer

AlexandriaDrive:BeforeandANer

After Picture Coming!!

AlexandriaDrive:Before…

AlexandriaDrive:…andANer

Questions?