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Clearwater Neighborhood Housing Services Inc

EIN 59-1898543 · Clearwater, FL

Public records show a registered, tax-exempt organization in good standing.

LegitimacyPassesRegistration and standingFinancial healthGood85 out of 100GovernanceGood70 out of 100Impact evidenceDescribes programsHow well its results are evidenced

What it says it does

TO IMPROVE THE QUALITY OF LIFE IN THE NEIGHBORHOODS WHICH IT SERVES BY PROMOTING REVITALIZATION THROUGH HOME OWNERSHIP, REHABILITATION, ECONOMIC DEVELOPMENT AND EDUCATION.

Income
$1.6 million
Spending
$992,120
Spent on programs
75%
Reserves
13.8 months of spending
Largest source of income
fees for its services, 45%
Employees
9
Volunteers
20
Highest pay
$109,504, president &

Source: Form 990 for the year ending September 30, 2024, filed with the Internal Revenue Service. Rating method 2026.2. How we rate

Financial health

Good: 85 out of 100. Higher than 67% of charities in its peer group (human services, $1m to $10m).

  • Reserves

    35 of 35

    Spendable reserves would cover 13.8 months of spending.

  • Debt

    10 of 20

    It owes 44% of what it owns.

  • Living within its means

    15 of 15

    Income exceeded spending by 39% of income.

  • Income trend

    10 of 15

    Income fell 3% on the year before.

  • Spending floor

    15 of 15

    75% of spending went to programs and raising each dollar of donations cost 0 cents.

Source: Form 990 for the year ending September 30, 2024, filed with the Internal Revenue Service. Rating method 2026.2. How we rate

Governance

Good: 70 out of 100. Higher than 21% of charities in its peer group (human services, $1m to $10m).

  • Independent board

    25 of 25

    14 of 14 voting board members are independent.

  • Conflict of interest policy

    0 of 15

    Reports no written conflict of interest policy.

  • Whistleblower policy

    0 of 8

    Reports no written whistleblower policy.

  • Record keeping policy

    0 of 7

    Reports no written policy on keeping and destroying records.

  • Board minutes

    5 of 5

    Keeps minutes of board meetings.

  • Board sees the tax return

    10 of 10

    Gave the board a copy of this return before filing it.

  • Pay set independently

    5 of 5

    Sets its chief executive's pay through independent review and comparison.

  • Independent check of accounts

    15 of 15

    Its accounts were audited by an independent accountant.

  • No reported misuse

    10 of 10

    Reports no diversion of assets, excess benefits or loans to insiders.

Source: Form 990 for the year ending September 30, 2024, filed with the Internal Revenue Service. Rating method 2026.2. How we rate

Impact evidence

Describes programs. Its tax return describes what it does but we have found no measurable results in it.

Programs described in its return (3)
  1. $356,041 spent. HOUSING COUNSELING AND EDUCATION THE ORGANIZATION'S MISSION IS TO REVITALIZE THE NEIGHBORHOODS IT SERVICES BY PROMOTING HOME OWNERSHIP, HOUSING REHABILITATION, EDUCATION, AND ECONOMIC DEVELOPMENT. THE ORGANIZATION'S SUCCESS IS ATTRIBUTED TO THE PARTNERSHIP SUPPORT THAT INCLUDES LOCAL GOVERNMENTS, NEIGHBORWORKS AMERICA, PINELLAS COUNTY, THE FINANCIAL AND BUSINESS COMMUNITY, AS WELL AS RESIDENTS AND OTHER PARTNERS. THE ORGANIZATION'S ACTIVITIES ARE FUNDED THROUGH CONTRIBUTIONS, GRANTS, AND CONTRACTS. HOMEBUYER EDUCATION CLASSES CLASSES ARE OFFERED AT NO COST TO PROSPECTIVE FIRSTTIME HOMEBUYERS. THE OVERALL OBJECTIVE OF THE CLASS IS TO PROVIDE INFORMATION TO FIRSTTIME HOMEBUYERS ABOUT THE HOMEBUYING PROCESS AND CREATE BETTERINFORMED CONSUMERS AND RESPONSIBLE HOMEOWNERS. FORECLOSURE COUNSELING WE ASSIST HOMEOWNERS IN URGENT NEED OF FORECLOSURE COUNSELING AND SUPPORT BY PROVIDING OUTREACH, EDUCATION, COUNSELING, AND MEDIATION ASSISTANCE. WE ALSO HELP ADDRESS THE UNDERLYING ISSUES THAT KEEP THE HOMEOWNER FROM MAKING TIMELY MONTHLY MORTGAGE PAYMENTS AS AGREED. FORECLOSURE COUNSELING SESSIONS ASSIST HOMEOWNERS IN ASSESSING THEIR CURRENT SITUATION AND EMPOWERING THEM TO MAKE DECISIONS TO RECTIFY CURRENT AND FUTURE HOMEOWNERSHIP SITUATIONS. HOUSING COUNSELING AND EDUCATION THE ORGANIZATION'S MISSION IS TO REVITALIZE THE NEIGHBORHOODS IT SERVICES BY PROMOTING HOME OWNERSHIP, HOUSING REHABILITATION, EDUCATION, AND ECONOMIC DEVELOPMENT. THE ORGANIZATION'S SUCCESS IS ATTRIBUTED TO THE PARTNERSHIP SUPPORT THAT INCLUDES LOCAL GOVERNMENTS, NEIGHBORWORKS AMERICA, PINELLAS COUNTY, THE FINANCIAL AND BUSINESS COMMUNITY, AS WELL AS RESIDENTS AND OTHER PARTNERS. THE ORGANIZATION'S ACTIVITIES ARE FUNDED THROUGH CONTRIBUTIONS, GRANTS, AND CONTRACTS. HOMEBUYER EDUCATION CLASSES CLASSES ARE OFFERED AT NO COST TO PROSPECTIVE FIRSTTIME HOMEBUYERS. THE OVERALL OBJECTIVE OF THE CLASS IS TO PROVIDE INFORMATION TO FIRSTTIME HOMEBUYERS ABOUT THE HOMEBUYING PROCESS AND CREATE BETTERINFORMED CONSUMERS AND RESPONSIBLE HOMEOWNERS. FORECLOSURE COUNSELING WE ASSIST HOMEOWNERS IN URGENT NEED OF FORECLOSURE COUNSELING AND SUPPORT BY PROVIDING OUTREACH, EDUCATION, COUNSELING, AND MEDIATION ASSISTANCE. WE ALSO HELP ADDRESS THE UNDERLYING ISSUES THAT KEEP THE HOMEOWNER FROM MAKING TIMELY MONTHLY MORTGAGE PAYMENTS AS AGREED. FORECLOSURE COUNSELING SESSIONS ASSIST HOMEOWNERS IN ASSESSING THEIR CURRENT SITUATION AND EMPOWERING THEM TO MAKE DECISIONS TO RECTIFY CURRENT AND FUTURE HOMEOWNERSHIP SITUATIONS.
  2. $162,241 spent. AFFORDABLE HOUSING TBNHS IS A COMMUNITY HOUSING DEVELOPMENT ORGANIZATION (CHDO) AND IS A DEVELOPER AND PROVIDER OF AFFORDABLE HOUSING. THIS INCLUDES THE ACQUISITION OF VACANT LAND AND/OR PROPERTIES TO BE DEVELOPED, THROUGH NEW CONSTRUCTION OR REHABILITATION, AND SUBSEQUENLY SOLD OR RENTED. THESE DEVELOPED PROPERTIES ARE MADE AVAILABLE TO A MIXED INCOME DEMOGRAPHIC, FROM LOW INCOME TO MARKET RATE, WITH THE VAST MAJORITY GOING TO FAMILIES EARNING BELOW 120% OF THE AREA MEDIAN INCOME. THE TYPES OF HOMES DEVELOPED INCLUDE SINGLE FAMILY HOMES, APARTMENTS, TOWNHOMES, MIXED USE, AND OTHERS.
  3. $217,470 spent. DOWN PAYMENT / CLOSING ASSISTANCE PROGRAMS AND OWNER OCCUPIED REHABILITATION CNHS THROUGH CONTRACTS WITH LOCAL MUNICIPALITIES AND FINANCIAL INSTITUTIONS, TBNHS PROVIDES DOWN PAYMENT AND CLOSING COST ASSISTANCE TO INCOME ELGIBLE APPLICANTS SEEKING HOME OWNERSHIP. IN ADDITION TO MEETING OTHER QUALIFICATIONS, THE APPLICANT MUST ATTEND THE HOME BUYER EDUCATION CLASS AND UNDERGO A COUSELING SESSION WITH ONE OF OUR HUD-CERTIFIED HOUSING COUNSELORS. FROM TIME TO TIME, AND AS FUNDING PERMITS, TBNHS ALSO PROVIDES OWNER OCCUPIED HOMEOWNERS WITH ASSISTANCE TO REHABITATE THEIR HOMES. THE LEVEL OF REHABILITATION VARIES, DEPENDING ON FUNDING AVAILABLE, FROM MINOR REPAIRS, TO A FULL REHABILITATION. OTHER - ON ANY GIVEN YEAR, FUNDING MAY BE MADE AVAILABLE FROM MUNICIPALITIES FOR OTHER PROGRAMS OR SERVICES ADMINISTERED BY TBNHS. IN THE RECENT PAST, THIS HAS INCLUDED RENTAL ASSISTANCE AND UTILITY ASSISTANCE. DOWN PAYMENT / CLOSING ASSISTANCE PROGRAMS AND OWNER OCCUPIED REHABILITATION CNHS THROUGH CONTRACTS WITH LOCAL MUNICIPALITIES AND FINANCIAL INSTITUTIONS, TBNHS PROVIDES DOWN PAYMENT AND CLOSING COST ASSISTANCE TO INCOME ELGIBLE APPLICANTS SEEKING HOME OWNERSHIP. IN ADDITION TO MEETING OTHER QUALIFICATIONS, THE APPLICANT MUST ATTEND THE HOME BUYER EDUCATION CLASS AND UNDERGO A COUSELING SESSION WITH ONE OF OUR HUD-CERTIFIED HOUSING COUNSELORS. FROM TIME TO TIME, AND AS FUNDING PERMITS, TBNHS ALSO PROVIDES OWNER OCCUPIED HOMEOWNERS WITH ASSISTANCE TO REHABITATE THEIR HOMES. THE LEVEL OF REHABILITATION VARIES, DEPENDING ON FUNDING AVAILABLE, FROM MINOR REPAIRS, TO A FULL REHABILITATION. OTHER - ON ANY GIVEN YEAR, FUNDING MAY BE MADE AVAILABLE FROM MUNICIPALITIES FOR OTHER PROGRAMS OR SERVICES ADMINISTERED BY TBNHS. IN THE RECENT PAST, THIS HAS INCLUDED RENTAL ASSISTANCE AND UTILITY ASSISTANCE.

Source: Form 990 for the year ending September 30, 2024, filed with the Internal Revenue Service. Rating method 2026.2. How we rate

Legitimacy checks

  1. Is it registered with the IRS? Passed.

    Listed in the IRS master file of tax-exempt organizations as a 501(c)(3) charitable organization.

    Source: Exempt Organizations Business Master File, Internal Revenue Service, file dated September 7, 2026.

  2. Has the IRS revoked its tax-exempt status? Passed.

    Not on the IRS automatic revocation list.

    Source: Automatic revocation of exemption list, Internal Revenue Service, file dated September 30, 2026.

  3. Are donations tax-deductible? Passed.

    On the IRS list of organizations eligible to receive tax-deductible contributions.

    Source: Publication 78 data: organizations eligible for tax-deductible contributions, Internal Revenue Service, file dated September 10, 2026.

  4. Is it keeping up with its IRS filings? Passed.

    Most recent return on file covers the year ending September 2025.

    Source: Exempt Organizations Business Master File, Internal Revenue Service, file dated September 7, 2026.

  5. How long has it been tax-exempt? Passed.

    Recognized by the IRS since January 1999.

    Source: Exempt Organizations Business Master File, Internal Revenue Service, file dated September 7, 2026.

  6. Is it in good standing with state regulators? Passed.

    Not on California's list of charities barred from soliciting. Other states are not yet checked.

    Source: May Not Operate or Solicit for Charitable Purposes list, California Attorney General, Registry of Charities and Fundraisers, file dated October 7, 2026.

Ratings and checks are our reading of public records, using the published method. They are not a statement about anyone's honesty. If you work for this organization, you can send corrections or results, confirm you want gifts through Veridonate, or ask to be removed from giving.