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St Cloud Main Street Inc

EIN 59-3614025 · Saint Cloud, FL

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

LegitimacyPassesRegistration and standingFinancial healthWeak19 out of 100GovernanceFair50 out of 100Impact evidenceDescribes programsHow well its results are evidenced

Points to look into

  • Only 28% of its spending went to programs.

These come from the organization's own tax return. There may be a good explanation; ask the charity.

What it says it does

SUPPORT AND ENCOURAGE THE RESTORATION OF THE DOWNTOWN ST. CLOUD HISTORIC CHARACTER AND VIABILITY OF DOWNTOWN ST. CLOUD.

Income
$234,029
Spending
$285,845
Spent on programs
28%
Reserves
0.9 months of spending
Largest source of income
government grants, 60%
Employees
4

Source: Form 990 for the year ending September 30, 2025, filed with the Internal Revenue Service. Rating method 2026.2. How we rate

Financial health

Weak: 19 out of 100. Higher than 5% of charities in its peer group (community improvement, under $250k).

  • Reserves

    4 of 35

    Spendable reserves would cover 0.9 months of spending.

  • Debt

    10 of 20

    It owes 39% of what it owns.

  • Living within its means

    0 of 15

    Spending exceeded income by 22% of income.

  • Income trend

    5 of 15

    Income fell 11% on the year before.

  • Spending floor

    0 of 15

    28% of spending went to programs and raising each dollar of donations cost 10 cents.

Source: Form 990 for the year ending September 30, 2025, filed with the Internal Revenue Service. Rating method 2026.2. How we rate

Governance

Fair: 50 out of 100. Higher than 19% of charities in its peer group (community improvement, under $250k).

  • Independent board

    25 of 25

    5 of 5 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

    0 of 10

    Did not give the board a copy of this return before filing it.

  • 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, 2025, 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 (2)
  1. $76,427 spent. 1. SUPPORT AND ENCOURAGE THE RESTORATION OF THE DOWNTOWN ST. CLOUD HISTORIC CHARACTER AND VIABILITY OF DOWNTOWN ST. CLOUD, STATE GRANT, COUNTY GRANT FROM BUY LOCAL AND SOCIAL MEDIA MARKETING, DONATIONS FROM ADVERTISING GRANT, BUSINESS ASSISTANCE GRANT, CRA, GENERAL AND OSCEOLA COUNTY.
  2. $2,313 spent. 2. SUPPORT AND ENCOURAGE THE RESTORATION OF THE DOWNTOWN ST. CLOUD HISTORIC CHARACTER AND VIABILITY OF DOWNTOWN ST. CLOUD.INCOME FROM ADVERTISING AND BROCHURES.INCOME FROM EVENTS: ANNUAL MEETING, AUCTIONS, CORPORATE TABLE, BOAT RACES,HISTORIC HAPPY HOUR, RAFFLES, SALES OF BEER, WINE, FOOD, TICKETS, AUCTION SPONSOR, BAR SPONSORSHIP, CONTRIBUTOR, GAME, PREMIER. INCOME FROM FUNDRAISING: ADOPT A POT, BOB FISK BOOK, CALENDARS, CITY FLOWER, HISTORIC MARKER, HISTORIC THROW, LICENSE PLATE, MEMORY GARDEN BRICKS, MOVIE AD, POSTERS/POSTCARDS.

Source: Form 990 for the year ending September 30, 2025, 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 October 13, 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 November 6, 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 October 13, 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 October 13, 2026.

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

    Recognized by the IRS since January 2000.

    Source: Exempt Organizations Business Master File, Internal Revenue Service, file dated October 13, 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 November 4, 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.