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2476 CDBG Agreement for Rehab/Reconstruction - 1419 S Bell StThis Instrument Prepared By and Return To: Andrew Thomas Community Relations & Neighborhood Engagement Director Office of the City Manager J �vvlll 300 North Park Avenue, Q Sanford. Florida 32771 Tax Parcel Identification Number: 36-19-30-515-OKOO-0590 GRANT MALOY, SEMINOLE COUNTY CLERK OF CIRCUIT COURT & COMPTROLLER CFN# 2023023772 Bk:10406 Pg:79-104(26Pgs) REC: 03/16/2023 8:47:37 AM by jeckenroth RECORDING FEES $222.50 CITY OF SANFORD/HOMEOWNER AGREEMENT FOR HOUSING REHABILITATION OR RECONSTRUCTION WITHIN THE CITY OF SANFORD FUNDED BY COMMUNITY DEVELOPMENT BLOCK GRANT THIS AGREEMENT is made and entered into this-itr"ay ! of , 2018, by and between Willie Mae Anderson, whose address is 1419 Srfh Bell Street, Sanford Florida 32771, (hereinafter referred to as "OWNER"), and CITY OF SANFORD, apolitical subdivision of the State of Florida, whose address is, 300 North Park Avenue, Sanford, Florida 32771 (hereinafter referred to as "CITY"). WITNESETH: WHEREAS, The City of Sanford is a body corporate and politic established under the Florida Constitution and the Laws of Florida, and is authorized to, among other things, accept and administer grants from State and Federal authorities to enhance the quality of life in city of Sanford; and WHEREAS, the City of Sanford (hereinafter referred to as "CITY") has made application, submitted a plan for receipt of Community Development Block Grant ("CDBG") Program finds and entered into a contract for receipt of fielding from the United States Department of Housing and Urban Development ("HUD"). for use in the rehabilitation or reconstruction of residential property with the goal of expanding the supply of decent, safe, affordable housing for low-income persons, pursuant to Title I of the Housing and Community Development Act of 1974, as amended; and WHEREAS, OWNER has submitted an application to the CITY for financial assistance to make necessary repairs to OWNER's principal residence which is currently not in compliance CDBG Rehabilitation/Reconstruction A- r e e m e n t Page 1 of B with the applicable housing code standards and Seminole County's Rehabilitation Standards; and WHEREAS, Section 163.01, Florida Statutes, known as the `T7orida Interlocal Cooperation Act of 1959", authorizes local governments to make the most efficient use of their powers by enabling them to cooperate with other localities on a basis ofmutual advantage and thereby to provide services and facilities that will harmonize geographic, economic, population, and other factors influencing the needs and development of local communities; and WHEREAS, COUNTY entered into an Interlocal Agreement with CITY for the purpose of allowing COUNTY to administer all phases of CITY's CDBG program including planning, administration, reporting and activity delivery that pertain to, or are applicable to CITY as stated under the terms and conditions of CITY's Consolidated Plan; and WHEREAS, CITY, an entitlement jurisdiction, has been awarded CDBG funds from HUD, and receives an annual allocation to be used predominantly for activities to benefit low and moderate income individuals and households; and WHEREAS, CITY has adopted certain CDBGprogram goals, fully described in the 2015-20 City of Sanford Consolidated Plan, including, but not limited to, the provision ofhousing rehabilitation for owner -occupied housing units; and WHEREAS, COUNTY has evaluated OWNER's application for said financial assistance and finds that OWNER is income -qualified for such assistance and hereby evidences COUNTY's approval of theapplication;and WHEREAS, by recording this Agreement, the CITY evidences the COUNTY's and the CITY's approval of the provisions hereof. NOW, THEREFORE, the parties, in reliance upon the foregoing recitals and in considerationof the mutual promises and covenants set forth herein, agree as follows: Section 1. Recitals. The statements contained in therecitation of facts set forth above are true and correct and arehereby incorporated in and madepart ofthis Agreement. CDBG Rehabilitation/Reconstruction A g r e e m e n t Page 2 of 13 Section 2. Purpose. The purpose of this Agreement is to set forth the mutual performance obligations and responsibilities ofCITY and OWNER in regard to CITY's use of CDBG funds in the form of a deferred -payment loan to OWNER's for rehabilitation or reconstruction of OWNER's principal residence, hereinafter, the 'Property". Section 3. Terms ofCDDGProgram Mortgage Funding Assistance. (a) CITY shall, subject to continued legal availability of CDBG program funds, provide OWNER with a zero percent (0%) amortized deferred payment loan in the amount of $148,815.00 in CDBG funds, hereinafter "the designated funds". The purpose of the loan is to provide funding sufficient for rehabilitation or reconstruction of the Property in accordance with Exhibit A (Scope of Services) and Exhibit B (Project Budget) hereto, hereinafter the 'Project". As a precondition to receiving such funding assistance, OWNER shall execute a mortgage conveying to CITY a mortgage interest in the Property, securing a promissory note payable to CITY in the amount of the designated Project funds, hereinafter collectively the 'Mortgage". Forms of the Mortgage documents are attached as Exhibits C to this Agreement. (b) The Mortgage shall be forgiven by CITY provided that OWNER maintains the subject Property as his/her principal place of residence and comply with all of the other terms and conditions therein for a period of 30 ears from the recording of the Mortgage documents (the 'Affordability Period'). Said Mortgage documents shall be prepared by CITY, executed by OWNER and recorded in the Official Records of Seminole County. Section 4. Time for Completion. The Project services to be performed under this Agreement shall commence on or about May 1, 2018 and shall be completed on or about October 30, 2018, or as soon as practicable thereafter. Section 5. Property and Owner Eligibility. (a) The estimated value of the Property, after rehabilitation or reconstruction, must not exceed ninety-five percent (95%) of the median purchase price for the area as set forth in the HUD Purchase CDBG Rehabilitation/Reconstruction A g r e e m e n t Page 3 of 13 Price/After-Rehabilitation Value Limits, a copy of which is attached as Exhibit D hereto. (b) OWNER's family must qualify as a low-income family at the time CDBG funds are committed to the Project. A low-income family has a household gross income from all sources that does not exceed eighty percent (80%) of the median family income within the Orlando/Sanford Metropolitan Statistical Area. OWNER hereby reaffirms that as of the date of this Agreement, his/her gross household income remains at or below the above stated limit. Section 6. Additional Funding Sources. OWNER must disclose any and all assistance received for performance of any portion of the scope described in Exhibit A of this Agreement, including, but not limited to, funds from any source, work of any kind, or relocation assistance. OWNER must list the provider and provide the type and amount any such assistance on a separate form as required by COUNTY. Section 7. Ownership of Property. OWNER represents and agrees that he/she has fee simple title to the Property benefitting from the financial assistance under this Agreement and agrees to occupy the Property as his/her principal residence for the affordability period described in the Mortgage and Note. The address and parcel identification number of the Property are as follows: Property Address: 1419 S Bell Street, Sanford, Florida 32771 Parcel Identification No.: 36-19-30-515-OK00-0590 Section 8. Condition of Property. The Property is presently in violation of HUD's Minimum Property Standards, the Florida Building Code or other applicable codes and is in need of the repairs, improvements and alterations set forth and described in the attached Scope of Services (Exhibit A). The work, material and equipment installedShall meet the Florida Building Code, all other applicable codes, the Seminole County Rehabilitation Standards, attached hereto as Exhibit E. Section 9. Payments and Change Orders. COUNTY shall make all payments for CDBG Rehabilitation/Reconstruction A g r e e m e n t Page 4 of 13 Project services directly to the selected contractor. No advance payments for labor, services or materials will be made. Disbursements will be made based on the progress of the job pursuant to the terms and conditions of a separate agreement between the contractor and COUNTY. OWNER shall have no authority to unilaterally alter or amend the Project Scope of Services described in Exhibit A hereto or any work performed by the contractor as authorized by COUNTY. No changes or alterations in the plans, specifications, exhibits, addenda and other drawings, or any part of the Project services or any changes to the Agreement between COUNTY and the selected contractor shall be valid or otherwise enforceable unless reduced to writing and signed by the contractor and signed and approved by COUNTY. Section 10. O"ER's Duties and Responsibilities. (a) If determined by CHY to be necessary due to the extent of the rehabilitation, OWNER shall be responsible for timely obtaining temporary living accommodations as may be necessary to allow the rehabilitation work to proceed. OWNER shall also be responsible for removing personal Possessions from the areas where work will be performed and for keeping areas accessible so that the contractor can complete the work. COUNTY shall not be financially liable to OWNER for any personal injury or loss, damage or destruction of personal possessions arising from any instance or cause whatsoever as aresult of these requirements. (b) Before anyrepair work begins on theproperty, OWNER shall participate in a walk- through with a representative from the Seminole County Community Services Department. The purpose of this walk-through is to determine, and for OWNER to sign off on: (1) the scope of work that will be done at the residence; (2) the contractor's work schedule at the residence; (3) the specifications, materials and methods that will be used in the CDBG repair; and (4) the removal of debris and surplus material from the property. CDBG Rehabilitation/Reconstruction A g r e e m e n t Page 5 of 13 (c) OWNER shall provide the contractor with access to thepremises, including the use ofpower and water as needed to complete the repairs. Failure to allow the contractor access may result in termination of this Agreement and require repayment by the OWNER of any funds advanced to the contractor on the OWNER'sbehalf (d) OWNER shall cooperate with CITY to adiieve the goals and objectives set out in this Agreement. (e) The property must meet the applicable Seminole County Rehabilitation Standards, Ordinances and all applicable State and local codes including housing, zoning, fire and building codes, as amended, for the full term ofthe affordability period. Section I1. COUNTY'S Duties. (a) COUNTY's duties under this Agreement are limited to determining OWNER's income eligibility, determining that the property is eligible for CDBG assistance, selecting the contractor, approving the scope ofwork to be performed, providing final approval of the completed work, and rendering direct payment to the contractor for the agreed upon repair. (b) COUNTY represents that as of the date of this Agreement it has available the designated CDBG funds to makepayment for the rehabilitation described in Exhibit A, and that it will maintain on hand such sum to pay for the agreed upon Project services to the Property. Such sum shall be paid directly to the contractor pursuant to a separate agreement between COUNTY and the selected contractor. (c) COUNTY shall not be responsible for any cost overruns in excess ofthe designated funds for any materials, services or work not expressly authorized and approved by COUNTY as set forth in Exhibits A and B hereto. (d) COUNTY shall cooperate with OWNER to achieve the goals and objectives set forth in Exhibit A, hereto. Section 12. Right to Enter and Inspect. COUNTY reserves the right to enter or CDBG Rehabilitation/Reconstruction A g re e m e n t Page 6 of 13 visit OWNER'S Property at any reasonable time to inspect and verify the contractor's performance ofthe services funded under this Agreement. Denials ofentryand inspection rights glallbeabreach of this Agreement and, at the sole detennination of COUNTY, could serve to disqualify the OWNER from obtaining any funding assistance hereunder, termination of this Agreement, or initiation byCITY of legal proceedings to seek recapture of any CDBG funds previously expended on behalf of OWNER. Section 13. The Property. Repairs funded hereunder may only be performed on OWNER's occupied, primary residence, which shall also be OWNER's declared homestead (the 'OWNER's Property"). Commercial, rental, or other types of investment real property are not eligible for assistance under this Agreement. Accordingly, the address and parcel identification number of the OWNER's Property benefitting from the financial assistance under this Agreement is as follows: Willie Mae Anderson 1419 South Bell Street Sanford, Florida32771 OWNER hereby represents to CITY that the aforesaid OWNER' Property is now and is intended toremain ashis/her/their primary residence and declared homestead. Section 14. Right to Enter and Inspect. COUNTY reserves the right to enter or visit OWNER' Property at any reasonable time to inspect and verify the contractor's performance ofthe services funded under this Agreement. Denials of entry and inspection rights shall be a breach of this Agreement and, at the sole determination of CITY, could serve to disqualify the OWNER from obtaining any funding assistance hereunder, termination of this Agreement, or initiation by City of legal proceedings to seek recapture of any CDBG funds previously expended on behalf of OWNER. CDBGRehabilitation/Reconstruction Agreement Page 7 of 13 Section 15. Terra. The term of this Agreement shall commence upon execution of this Agreement by the parties and shall terminate upon completion ofthe affordability period. Section 16. OWNER's Indemnification and Release. (a) OWNER and occupants, individually and collectively, do hereby release and discharge COUNTY, its agents, officers and employees from any and all claims, demands, grievances and causes of action of every kind whatsoever including, but not by way oflimitation, all liability forproperty damages and personal injury of everykind, nature, or description arising or which may arise hereafter from the CDBG funded rehabilitation /reconstruction being performed on the OWNER's Property. (b) OWNER and occupants further agree to indemnify and hold harmless CITY and COUNTY, its agents, officers and employees from any and all claims, demands, defalcation, dishonesty and causes of action of every kind and nature by third parties for damages to persons or property, costs, charges and expenses, including attorneys' fees, which may arise out of, by reason of, or in any manner grow out of the repair work that is the subject of this Agreement, fraud, defalcation, dishonesty, the activities of the contractor or its subcontractors, as well as OWNER's and occupants' own use or misuse of the OWNER's Property irrespective of intent or negligence whether actual, imputed, or claimed. This Section shall survive expiration of this Agreement. Section 1.7. Termination. (a) CITY may terminate this Agreement at its sole discretion if it determines that continued compliance with the terms hereof is no longer in the best interest of CITY. In such circumstances, CITY shall give OWNER at least fifteen (15) days' notice of such intent to terminate. The notice shall be effective when placed in the United States mail, postage prepaid, by registered or certified mail, return receipt requested to the address set forth in Section 22 herein. CDBGRehabilitation/Reconstruction Agreement Page 8 of 13 (b) OWNER shall be liable for recapture of funds spent by CITY on OWNER's behalf if any representation made by OWNER in the Agreement or applications for funding shall at any time be false or misleading in any respect, or if OWNER is found in non- compliance with laws, rules, orregulations governing theuse of the funds provided pursuant to this Agreement. (c) This Agreement may be terminated by the written mutual consent of both parties. Section 18. Records. All contracts, correspondence, memoranda and other documents accumulated, acquired, prepared, orreceived bytheparties hereto created bythis Agreement shallbe maintained by COUNTY as public records to the extent required by law. This Section shall survive termination or expiration ofthis Agreement Section 19. No Third Parties Beneficiaries. This Agreement shall inure to the benefit of the parties to this Agreement and is for the exclusive benefit of said parties. This Agreement shall not be deemed to be made for the benefit of any other entity or person not so specified, including specifically, but not limited to the selected contractor. Section 20. Compliance with Federal, State, Count , and Local Laws. The parties shall comply with all Federal, State, County and local laws, regulations, ordinances and health and safety rules and regulations at all times. Section 21. Governing Law and Venue. (a) In the event of a dispute related to any provision of this Agreement, including performance or payment obligations, the parties awee to exhaust CITY dispute resolution procedures prior to filing suit or otherwise pursuing legal remedies. All claims by OWNER against COUNTY shall be submitted in writing to the Community Services Department Director for a decision. The decision of the Department Director shall be issued in writing, and shall be mailed to OWNER. The decision notice shall state the reasons for the decision reached, and shall inform OWNER ofhis/her appeal rights. The Department CDBGRehabilitatioi3/Reconstruction Agreement Page 9 of 13 Director's decision shall be final, unless OWNER files an appeal to the CityManagerwithin ten (10) business days from the date of the receipt ofthe decision. The City Manager, orhis/her designee, shall have the authorityto review the appeal and render a final decision within ten (10) business days from the date of receipt of the appeal. The City Manager's decision will be mailed to OWNER. (b) OWNER agrees that he/she will not file suit or otherwise pursue legal remedies based on facts or evidentiary materials that were not presented for consideration in the CITY's dispute resolution procedures set forth in subsection (a) above, of which OWNER had knowledge and failed to present during CITY dispute resolution procedures. (c) In the event that CITY's dispute resolution procedures are exhausted and a suit is filed, the parties shall exercise best efforts to resolve disputes through formal mediation before proceeding to trial. Mediator selection and the procedures to be employed in mediation diall be mutually acceptable to theparties. Costs of such mediation shall be shared equally among the parties participating in the mediation. (d) The venue for any lawsuit shall be the Circuit Court for the 1$d' Judicial Circuit in and for Seminole County as to State law causes of action and the United States District Court, Middle District ofFlorida, Orlando Division as to Federal causes ofaction. Section 22. Amendments. This Agreement may be altered, amended, extended, modified and/or revised only byawritten instrument subsequently executed bytheparties to this Agreement. Section 23. Entire Agreement. This Agreement constitutes the complete, full and wholly independent agreement among the parties to this Agreement with regard to the matters contained herein. This Agreement also supersedes all prior representation, statements and understanding among the parties to this Agreement with respect to the matters and things addressed herein, either written or oral. CDBG Reliabilitation/Reconstruction Agreement Page 10 of 13 Section 24. Severability. Should any section or part of any section of this Agreement be rendered void, invalid, or unenforceable by any court of law, for any reason, such a determination shall not render void, invalid, or unenforceable any other section or any part of any section of this Agreement. Section 25. Notification. (a) All notices, requests, demands, or other written communications hereunder shall be in writing and shall be deemed to have been served as of the delivery date appearing upon the return receipt if sent by certified mail, postage prepaid, with return receipt requested at the address listed below, or upon the actual date of delivery, if hand delivered, to the address below. Either party may change the below -listed address at which it receives written notices by so notifying the other party hereto in writing. For CITY: Norton N. Bonaparte City mer City of Sanford Sanford, Florida 32771 For OWNER: Willie Mae Anderson 1419 S. Bell Street Sanford. Florida 32771 (b) The parties shall give the other party prompt notice of any material event or claim coming to its knowledge which directly or indirectly effects the other party. Section 26. Waiver. No act or omission or commission of either party, including without limitation, any failure to exercise any right, remedy, or recourse shall be deemed to be a waiver, release, or modification ofthe same. Suds a waiver, release, or modification is to be effected only through a written modification to this Agreement. Section 27. Funding. The source of CITY funding for this Agreement shall be from the CDBGRehabilitation/Reconstruction Agreement Page 11 of 13 CDBG funds described in subsection 4(b) hereof. Anything else in this Agreement to the contrary notwithstanding, CITY shall not be obligated to pay for the repair work on behalf of OWNER as a result of any act of the executive, legislative, or judicial branches of the State or Federal governments that results in the loss of CDBG funding or in the express loss or prohibition of CITY's authorization to uses such funds for services through no fault ofthe CITY. Section 28. Headings. The paragraph headings are inserted herein for convenience and reference only and in no way define, limit, or otherwise the scope or intent ofany provisions hereof. Section 27. Counterparts. This Agreement may be executed in one or more counterparts, each of which maybe executed by less than all of the parties to this Agreement, but all of which shall be construed together as a single instrument. Section 29. Assignment. This Agreement may not be assigned by either party without the consent of the other, which consent shall be at the sole discretion of the party whose consent is required. Section 30. Exhibits. Exhibits to this Agreement shall be deemed to be incorporated into this Agreement as iffullyset forth verbatim into thebody ofthis Agreement. IN WITNESS WHEREOF, the parties hereto have executed this instrument on the date first above written. WILLIE MAE ANDERSON Signature of Witness Willie Mae Anderson l Printed Name o Witness, Sim dturerof Witrfess Printed Name of Witness CDBGRehabilitation/Reconstruction Agreement Page 12 of 13 STATE OF FLORIDA ) CITY OF SEMINOLE ) I HEREBY CERTIFY that on this day, before me, an officer duly authorized to administer oaths and take acknowledgments, personally appeared Willie Mae Anderson, and she acknowledged executing the same in the presence of two subscribing witnesses freely and 11, voluntarily and she is personally known to me or provided as identification. WITNESS my hand and official seal in the County and State last aforesaid this,1�a3' 12018. (Affix Notary Seal) -T T ETTE TO RRE , F 4isSION 9 FF10, <y lay 30.;;_a CDBGRehabilitation/Reconstruction Agreement Page 13 of 13 SCOPE OF SERVICES Reconstruction of 3 bedroom 2 bath home on the West 150 feet of Lot 59, Block K, map of subdivisions of Blocks G, K & J, town of Goldsboro, according to the map or plat thereof, as recorded in Plat Book 1, Page (s) 71, of the Public Records of Seminole County, Florida. Also sometimes described as: The West 150 Feet of Lot 59, Block K, A.D. Chappell's Subdivision, according to the plat thereof, as recorded in Plat Book 1, Page 71 of the Public Records of Seminole County, Florida. Parcel Identification No.: 36-19-30-515-OK00-0590 CDBG irnmediateNeeds RehabilitationAbreement Exhibit A Reconstruction of 3 bedroom 2 bath home. Project budget: $148,815.00 One Hundred Forty -Eight Thousand Eight Hundred Fifteen Dollars 00/100 ($148,815.00). Parcel Identification No.: 36-19-30-515-OK00-0590 CDBG Rehabilitation/Reconstructionngreemeiit reement Exhibit B EXHIBIT E SEMINOLE COUNTY CDBG PROGRAM REHABILITATION STANDARDS See attached SC standards/ CDBG Rehabilitation/Reconstruction A oreemetit Exhibit E SEMINOLE COUNTY REHABILITATION STANDARDS FOR: NSP, HOME, CDBG and SHIP For New Construction, Re -Construction, and Rehabilitation Projects I. Funding Sources: New construction, re -constructs and rehabilitation projects sponsored by the Seminole County Community Services Department will be funded utilizing one or a combination of the following funding sources: Community Development Block Grant (CDBG), HOME Partnership Investment Program (HOME), Neighborhood Stabilization Program (NSP), and State Housing Initiatives Partnership (SHIP) Program. II. General Specifications: These specifications are designed to cover all areas of the work write-up and expected levels of quality construction and installation methods executed by the awarding bid contractor. These specifications are intended to represent items of a quality level known to meet Seminole County's requirements. While the County endeavors to provide written specifications that are accurate and non- restrictive for the purpose of bidding/quoting, they may reference the quality standards of local, state and federal requirements. A. Lead Based Paint: Any home or structure built or erected prior to 1978 will be required to undergo a lead based paint remediation test. If lead is present, the contractor must follow the required federal guidelines for lead based paint remediation. B. Health and Safety: Contractors will be responsible for recognizing and remediating all obvious safety hazards in and around the home with regard to construction related issues and provide detailed analysis of cause and effects. Contractor will provide to Seminole County Project Manager a written plan of action to repair said hazards as to quickly minimize harmful effects of such conditions to workers before, during and after construction and to its occupants upon completion of the rehabilitated project. Contractor will maintain a clean and safe work site at all times placing all debris in a containment unit on a daily basis. No materials or construction debris will be stored in any ill mannered fashion or location not suitable for its contents. C. Warranty: Contractors who are awarded bids by Seminole County will be required to supply and uphold a full written warranty/service agreement on all materials used and/ or labor performed to install such materials for a period of not less than one year or as suggested by the product manufacturers installation guidelines. In addition, the contractor will supply the County with all of the supporting documents for any and all products used that provide an extended time product replacement guarantee. All products and/or materials used must be installed per manufacturer's specifications or requirements for industry standards and recommendations of accepted practices of quality workmanship and in accordance with all applicable local and state building code and city ordinance/requirements. All applicable warranty documents for materials and labor supplied must be submitted with the request for final payment. Any documents deemed missing by the County's Project Manager will result in a delay of final payment until such documents are submitted. Examples: Fans, appliances, water heaters, HVAC units, light fixtures, roof shingles, plumbing fixtures, flooring, etc. D. Permits: Any and all work requiring a permit for the execution of, will be applied for completed and obtained by the contractor prior to commencement of any work. This includes Notice to Owners, Notice of Commencements and Clerk of Court registered/certified copies of all documents required. E. Accessibility: Any individual requiring assistance to enter or exit their own home within Seminole County will be assisted in making such modifications to the existing structures access and exit points by a certified contractor. The contractor will comply with any and all local and state handicap accessibility rules, codes, requirements and regulations of, for such modifications to be completed. III. Individual product and material specifications: A. Minimum Requirements: All materials used must meet the minimum ANSI "American National Standards Institute" and/or ASTM "American Society for Testing and Materials" guidelines. B. Substitutions: All products and materials listed herein may be substituted with an "equal or greater" quality product and/or material of "equal or lesser cost" or as is required by Local, State and Federal codes/ regulations. The manufactured brands stated herein for certain products will be considered as the basic minimums for quality expectations by Seminole County used for related projects. All brand names of materials/ products used by contractors for said projects will be specked out in the work scope line item bid submittal by the Contractor to clarify the types of fixtures, components, parts and materials being used for each category electrical, plumbing, hvac, flooring, building, roofing etc. IV. Exterior Finishes Concrete stucco coatings, siding or wood paneling used to repair or replace damaged areas must meet minimum requirements for thicknesses applied, for their intended use per manufacturer's installation recommendation and in accordance with local and state building code requirements. A. Roofing materials: All shingle roof replacements will consist of thirty year architectural style mildew/fungi resistant asphalt shingles regardless of manufacturing brand used. In addition any roof exceeding its normal life expectancy of ten years for three tab installations and fifteen years for architectural installations will be replaced to meet current building code requirements and hurricane wind load expectancies. In regards to roofing materials and applications of, it will be the contractor's responsibility to install the proper materials and products required to waterproof any and all roofs covered, regardless of the existing roof design, drainage pitch conditions and existing roof materials present. This includes any and all galvanized flashing materials and seam sealer underlayment's used prior to installation of asphalt shingle or modified bitumen roofing products. B. Roof Vents and Lead Boots: Contractors are responsible for proper roof ventilation systems and products to include bathroom exhaust fan goose necks and plumbing riser lead boots. It will be the contractor's responsibility to provide and install the correct applicable product required for its intended use. C. Concrete: Concrete used for patching, repairing or replacing of sidewalks/walkways, driveways, or interior finish floor applications will meet the minimum requirements necessary by building code standards depending upon its actual intended use. D. Driveways and Sidewalks: Any poured in place concrete flatwork that is severely cracked, shifted, displaced or uneven to greater than normal acceptable standards must be either repaired or replaced to maintain safety and or useable functional purposes intended for use. Examples: • Cracks greater than one quarter of an inch wide and span distances greater than two feet in length, etc. • Uneven and displaced concrete surfaces such as sidewalk to driveway connections that vary in height may create tripping hazards in excess of one half inch in height, etc. Each instance should be evaluated separately and a reasonable determination of repair or replacement should be made by all parties involved. E. Paint: All exterior paint used will be latex base mildew stain resistant twenty year product warranty or better, regardless of brand used and will be satin or flat base sheen only for all exterior applications, walls, doors, bands, trims, soffits etc. F. Lumber: Any lumber used for permanent applications to build, repair or construct will be of proper species, size and durability related to its intended use. Example: Pressure Treated for direct concrete contact, #2Yellow Pine for structural use, Spruce/ whitewood for cosmetic and non load baring applications, etc. G. Aluminum screen rooms/ orches All existing screen rooms, porches, covered patios or carports erected using aluminum products requiring structural repairs will be done so with the proper anchors/ tie downs necessary to meet current wind load and building code requirements. All contractors will be responsible for ensuring the proper permits and requirements for such work are executed and completed correctly. H. Garage doors: Any existing garage door unable to meet current wind load and hurricane required capacities due to its current condition and is unable to be modified, repaired or upgraded to meet current hurricane wind load requirements will be replaced to meet such in its entirety. In most cases an opener will be supplied and installed by the contractor along with the garage door unless specified differently within the scope of work. I. Exterior swing doors: Any door preserving or protecting the interior contents of and/ or the inhabitants of individuals will meet current safety, security and hurricane compliant standards. Any door not meeting these requirements due to severe abuse, damage, distress or age will be replaced to meet all applicable building codes and quality standard requirements. J. Windows: Any and all windows exceeding normal life span of twenty years and/or operational ease of use that do not meet current building and safety code requirements or means of egress requirements will be replaced. New windows installed will be either vinyl or aluminum framed with LOW -E energy efficient glass and will be required to meet all current code requirements regarding- egress, hurricane wind born debris, accessibility and minimum Energy Star Rated classifications. All new windows will be installed using manufacturer's installation specifications approved by the local and state building code requirements. K. Soffit and Fascia: Any soffit or fascia damaged beyond repair will be replaced with similar existing materials as to aluminum or vinyl products and will match as closely as possible in color to the existing or currently installed. If current materials cannot be matched then a suitable equal to or better material will be acceptable and applied to the affected area. In some cases more than just a specific area may have to be replaced in full if there is no suitable termination point, but this will be determined and approved of on a case by case basis and specified within the scope of work documents. L. Pressure Washing: All exterior surfaces will be power washed clean whether it is a painted surface body or not. For example: Driveways, sidewalks, patios, porches, eves, soffits, carports etc. V. Interior Finishes A. Lumber: Any lumber used for temporary or permanent applications to build, construct, or brace will be of proper species, size and durability related to its intended use. B. Drywall/ Durrock: All interior wall coverings will consist of 1/2" thick gypsum wall board over properly installed wood framed structures for walls and ceilings. Any wet areas located in bathroom showers/tub locations needing repairs or replacement of, will be done so using Durrock concrete wall board as a sub -straight for tile installations. C. Drvwall finishes: Finish textures to any interior surface will consist of either popcorn or knockdown appearance for all ceiling applications and orange peel texture to all interior walls. Other finishes may be used if existing patterns differ from those specified within the home. All patches, repairs and texture finishes applied to match existing areas must do so as closely as possible for an overall acceptable finish and appearance. D. Paint: All interior paint used will be latex base mildew stain resistant twenty year product warranty or better, regardless of brand used. All bedrooms, closets, kitchens, interior garages, hallways, storage rooms and main living areas will be painted with flat or satin sheen base products. All doors, casings and bathroom walls will be painted with semi -gloss enamel products only. E. Tile: All wet areas (foyer entry, kitchen, and bathrooms) will consist of tile. F. Interior Doors: Pre -hung hinge operated two panel hollow core pre -primed swing doors to coordinate with directional swing of existing door to be replaced. Bi -fold track and hardware guided closet doors two panel hollow core pre -primed paint grade. G. Cabinets: All cabinetry, kitchen or bathroom, shall be made with solid wood frame and doors. Vanity tops will be one piece cultured marble vanity top with built in sink and overflow protection. An alternative option, would be plywood base flat laid Formica Laminate with a 4" high backsplash. Kitchen countertops will be plywood base flat laid Formica Laminate with a 4" high backsplash. VI. Plumbing For reconstruction projects, the following plumbing components shall be provided: Domestic hot and cold water lines, water heater, drain waste and vent systems, clothes washer and waterline connection for refrigerator. Re -pipes will consist of CPVC, COPPER or PEX water lines installed in accordance with manufacturer recommendations and current local building codes. A. Exterior Applications: All trenches shall be properly filled and compacted to ground level and covered with sod or seeding as necessary. B. Waste connections: Shall be checked and repaired if necessary from the main waste connection at the home to the city sewer lateral and or septic system. Re -pipes for the main water line from utility meter to the house will consist of 3/4 PVC pipe. New pipe installed shall be thermo-insulated in all unconditioned spaces. All penetrations through walls and cabinets must have escutcheon plates on them. Drains must be snaked out and free of blockage, all drains must be working properly at time of final inspection. All fixtures must be white unless the majority of existing fixtures not being replaced are a different color, and then the fixtures will be matched to the existing. C. Interior Applications: CPVC or PEX pipe for all interior supply line replacements or repairs PVC pipe for all waste drains and vent lines. F. Faucet Fixtures: All plumbing fixtures for kitchen and bathroom sinks will be single lever Moen brand products or equal to or better than specified herein and meet handicap approved requirements. G. Shower valves: Must have anti -scald guards at all tub/showers. H. Sinks: All bathroom sinks will be American Standard equal to or better oval shaped single bowl self rimming drop in with built in overflow. Kitchen sinks will be American Standard stainless steel dual basin 60/40 split drop in twenty gauge thickness with a minimum S" depth with retractable spray nozzle fixture equal to or better than. I. Food Waste Disposer: Insinkerator brand 3/4 horse quiet system electric power operated equal to or better. J. Tubs/Toilets: All toilets must be American Standard brand quality- equal to or better and be a minimum of 1.6 gal. Low flow flush capacity. All tubs will be Americast brand quality equal to or better. K. Water Heater: Shall meet minimum energy star rating (88% efficiency) with a size of no less than 40 gal minimum quick recovery system. VII. HVAC Any unit older than eight years of age not meeting the minimum current energy star rating will be replaced. Provide ventilated air conditioning heating and cooling system with proper thermostat controls, copper lines, condensate pumps, duct dampers, vents, return air vent system and exterior unit base pad with security grate cover. All units are to be minimum fifteen seer energy star rating equal or better and must be installed in accordance with manufacturer's specifications. Size and layout must be approved by the building department and heat pumps are to meet the approved energy code requirements. Air handlers are to be installed on a sealed wood platform with return air vent circulation box in the wall below the unit. All attic duct work must be minimum R-6 energy rated and be of new flexible air duct material installed, sealed and supported per code requirements. All fresh air supply vents will have adjustable/ directional fins on them. Exhausts fans for bathrooms will be ducted to exterior and possess a minimum of 90 cfm rating. Dryer vents will be ducted to exterior only. Whereas kitchen vents may be left direct recirculation if existing systems are already in place, otherwise exterior ventilation is preferred. VIII. Electrical All fixtures must meet minimum energy star rating. The following units must be installed, present and working properly- switches, outlets, breakers, smoke detectors for bedrooms and hallways with 9volt battery backup, TV cables, phone lines, light fixtures, fans, doorbells, dryer and range boxes, properly functioning GFI receptacles in all wet areas and approved weatherproof boxes for exterior applications. Contractors will verify all main disconnect panels are operating properly and without any safety hazards or concerns to both interior and exterior panels including A/C disconnects. All lights will have energy star rated bulbs. All fans will have light kits on them. All flood lights will have motion detectors and light sensors to meet energy saving requirements. IX. Appliances All appliances must meet the minimum energy star rating allowable and be of at least GE appliance quality standard equal or better. All appliances will be installed, connected and service ready. Refrigerator will be minimum 18 cubic feet. Range will be 30" wide free standing electric with anti -tip bracket installed. Range hood/ microwave will be direct vent or recirculating depending on the existing system setup. Washer, dryers and dishwashers will also be included. COMMUNITY SERVICES DEPARTMENT COMMUNITY DEVELOPMENT DIVISION NOTICE OF RIGHT OF RESCISSION CUSTOMER NAME: Willie Mae Anderson Customer Amount Security: $ 142,695.00 PROPERTY ADDRESS: 1419 S Bell Street Sanford FL 32771 �III� SL-i1,//A LE U/\/IY Ill*JPV \uuKq('J+ ci NOTICE TO CUSTOMER REQUIRED BY FEDERAL LAW Today, April 12, 2018, you have entered into a transaction which may result in a lien, mortgage or other security interest on your home. Federal Law provides you with the right to cancel this transaction, if you so desire, without any penalty or obligation at any time within three business days from the above date or the date on which all material disclosures required under the Truth in Lending Act have been given to you. By canceling this transaction, any lien, mortgage or other security interest on your home resulting from this transaction is automatically void. Any down payment or other consideration you may have tendered on entering this transaction must be refunded to you in the event you cancel. If you desire to cancel this transaction, you may do so by notifying the following party: Seminole County Government Community Assistance Office 534 West Lake Mary Boulevard Sanford, Florida 32773 by mail or telegram sent by midnight April 12, 2018, or by any other form of written notice delivered to the above address no later than midnight April 16, 2018. Please acknowledge your receipt of this notice by signing the form indicated below. ACKNOWLEDGMENT OF RECEIPT OF NOTICE Each of the undersigned hereby acknowledges the receipt of two completed copies of the Notice of Right of Rescission. Customer's Signature Customer's Signature Date Date ,