Civic Intelligence

Affordable Home Insurance Charities

EIN 46-1854528 • 501(c)3 • Destin, FL

Profile

The corporation is organized exclusively for charitable, religious, educational and scientific.

4008 Legendary Drive Suite 400Destin, FL 32541

www.ahicf.info

Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

Score unavailable

No value available

Liabilities-to-assets requires both liabilities and assets on the latest valid filing.

Source year 2025

Liabilities / Revenue

Score unavailable

No value available

Liabilities-to-revenue requires both liabilities and revenue on the latest valid filing.

Source year 2025

Net Margin

33rd percentile

-7.2%

Higher net margin than 33% of similar nonprofits.

501(c)3 • <$500k nonprofits • Source year 2025

Top Officer Pay

81st percentile

$0

Higher top officer pay than 81% of similar nonprofits.

Top officer pay equals 0.0% of source-year revenue.

501(c)3 • <$500k nonprofits • Source year 2025

Asset Growth

43rd percentile

-6.7%

Faster asset growth than 43% of similar nonprofits.

501(c)3 • <$500k nonprofits • Annualized from 2024 to 2025

Revenue Growth

71st percentile

19%

Faster revenue growth than 71% of similar nonprofits.

501(c)3 • <$500k nonprofits • Annualized from 2024 to 2025

Balance Sheet
Liabilities / AssetsScore unavailable

Assets

Down

$36,858

Down $2,651 (-6.7%) from 2024

Liabilities

-

No earlier filing loaded for comparison.

Net Assets

Down

$36,858

Down $2,651 (-6.7%) from 2024

Operations
Liabilities / RevenueScore unavailableNet Margin33rd percentile

Revenue

Up

$36,790

Up $5,762 (+19%) from 2024

Expenses

Up

$39,441

Up $13,912 (+54%) from 2024

Net Income

Down

-$2,651

Down $8,150 (-148%) from 2024

Trend Graphs

Balance Sheet Trend

Asset Growth43rd percentile

Grouped bars show assets, liabilities, and net assets across loaded filings.

$40K$30K$20K$10K$0Assets 2015: $7,569Liabilities 2015: $0Net Assets 2015: $7,5692015Assets 2016: $9,253Liabilities 2016: $0Net Assets 2016: $9,2532016Assets 2017: $10,688Liabilities 2017: $0Net Assets 2017: $10,6882017Assets 2018: $15,802Liabilities 2018: $0Net Assets 2018: $15,8022018Assets 2019: $19,185Liabilities 2019: $0Net Assets 2019: $19,1852019Assets 2020: $16,946Liabilities 2020: $0Net Assets 2020: $16,9462020Assets 2021: $14,979Liabilities 2021: $0Net Assets 2021: $14,9792021Assets 2022: $27,608Liabilities 2022: $0Net Assets 2022: $27,6082022Assets 2023: $34,010Net Assets 2023: $34,0102023Assets 2024: $39,509Net Assets 2024: $39,5092024Assets 2025: $36,858Net Assets 2025: $36,8582025

Highlighted filing

2025

Assets$36,858
Liabilities-
Net Assets$36,858
Open 2025 Filing

Operations Trend

Revenue Growth71st percentile

Revenue, expenses, and net income by year, with the latest filing highlighted.

$40K$20K$0-$20KRevenue 2015: $31,499Expenses 2015: $28,597Net Income 2015: $2,9022015Revenue 2016: $28,187Expenses 2016: $26,503Net Income 2016: $1,6842016Revenue 2017: $38,248Expenses 2017: $36,813Net Income 2017: $1,4352017Revenue 2018: $38,915Expenses 2018: $33,801Net Income 2018: $5,1142018Revenue 2019: $39,681Expenses 2019: $36,298Net Income 2019: $3,3832019Revenue 2020: $8,000Expenses 2020: $10,239Net Income 2020: -$2,2392020Revenue 2021: $500Expenses 2021: $2,467Net Income 2021: -$1,9672021Revenue 2022: $23,238Expenses 2022: $10,609Net Income 2022: $12,6292022Revenue 2023: $21,582Expenses 2023: $15,180Net Income 2023: $6,4022023Revenue 2024: $31,028Expenses 2024: $25,529Net Income 2024: $5,4992024Revenue 2025: $36,790Expenses 2025: $39,441Net Income 2025: -$2,6512025

Highlighted filing

2025

Revenue$36,790
Expenses$39,441
Net Income-$2,651
Open 2025 Filing

Filings

Most recent year

2025 • Form 990EZDetailed filing. Detailed filing data is available for this year.

Open filing
Assets
$36,858
Liabilities
-
Net assets
$36,858
Revenue
$36,790
Expenses
$39,441
Net income
-$2,651
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2025Detailed filing. Detailed filing data is available for this year.$36.9$36.9$36.8$39.4$2.65
2024Detailed filing. Detailed filing data is available for this year.$39.5$39.5$31.0$25.5$5.50
2023Detailed filing. Detailed filing data is available for this year.$34.0$34.0$21.6$15.2$6.40
2022Detailed filing. Detailed filing data is available for this year.$27.6$0.00$27.6$23.2$10.6$12.6
2021Detailed filing. Detailed filing data is available for this year.$15.0$0.00$15.0$0.50$2.47$1.97
2020Detailed filing. Detailed filing data is available for this year.$16.9$0.00$16.9$8.00$10.2$2.24
2019Detailed filing. Detailed filing data is available for this year.$19.2$0.00$19.2$39.7$36.3$3.38
2018Detailed filing. Detailed filing data is available for this year.$15.8$0.00$15.8$38.9$33.8$5.11
2017Detailed filing. Detailed filing data is available for this year.$10.7$0.00$10.7$38.2$36.8$1.44
2016Detailed filing. Detailed filing data is available for this year.$9.25$0.00$9.25$28.2$26.5$1.68
2015Detailed filing. Detailed filing data is available for this year.$7.57$0.00$7.57$31.5$28.6$2.90
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2025 to Dec 31, 2025
Signed
Mar 2, 2026
Return Version
2025v4.0
Gross Receipts
$69,064
Mission and Program Overview

Mission

The corporation is organized exclusively for charitable, religious, educational and scientific.

Program Services

DescriptionGrantsExpenses
501 (C)(3) THE ORGANIZATION HAS AN ANNUAL GOLF TOURNAMENT IN ORDER TO RAISE FUNDS. THEN DONATIONS ARE MADE TO OTHER 501 (C)(3) ORGANIZATIONS AND INDIVIDUALS TO ASSIST THOSE IN NEED WITH THE COMMUNITY.$35,600$37,700
Compensation and Service Providers
Top Officer Pay81st percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
DREW ARMACOSTTreasurer-$0--
DENNIS CAGNON JRPresident-$0--
BRIAN BRENNANVice Preside-$0--
Fundraising, Events, and Gaming

Fundraising Events

EventGross ReceiptsGross RevenueDirect ExpensesNet Income
Annual Golf Tou$69,064$69,064-$69,064
Total Events$69,064$69,064$32,274$36,790
Filing and Contact Details

Filer

Filer Name
Affordable Home Insurance Charities
EIN
46-1854528
Phone
8508650198
Address
4008 LEGENDARY DRIVE SUITE 400, DESTIN, FL 32541

Signing Officer

Name
Drew Armacost
Title
Treasurer
Phone
8508650198
Signed
2026-03-02

Preparer

Firm
Nicholson Reeder & Reynolds CPA
Address
24 WALTER MARTIN ROAD NE SUITE 1, FORT WALTON BEACH, FL 32548-4960
Preparer
Stephen Reeder
Phone
8502433176
Supplemental Narrative

Additional Explanations

Form 990-ez, Part I, Line 10

“Name: sandcastle kids inc. Address: 431 carsoon oaks lane santa rosa beach, fl 32459 cash contribution: 35,600”

Form 990-ez, Part I, Line 16

“Expenses insurance 1,241 bank/credit charges 1,255 supplies 845 total 3,341”

Form 990-ez, Part III

“The corporation is organized exclusively for charitable, religious, educational and scientific.”

Raw XML Appendix141 raw XML fields

This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

Path#Value
IRS990EZ/ActivitiesNotPreviouslyRptInd0false
IRS990EZ/BooksInCareOfDetail/PersonNm0DREW ARMACOST
IRS990EZ/BooksInCareOfDetail/PhoneNum08508650198
IRS990EZ/BooksInCareOfDetail/USAddress/AddressLine1Txt04008 LEGENDARY DRIVE SUITE 400
IRS990EZ/BooksInCareOfDetail/USAddress/CityNm0DESTIN
IRS990EZ/BooksInCareOfDetail/USAddress/StateAbbreviationCd0FL
IRS990EZ/BooksInCareOfDetail/USAddress/ZIPCd032541
IRS990EZ/CashSavingsAndInvestmentsGrp/BOYAmt039509
IRS990EZ/CashSavingsAndInvestmentsGrp/EOYAmt036858
IRS990EZ/ChgMadeToOrgnzngDocNotRptInd0false
IRS990EZ/DonorAdvisedFndsInd0false
IRS990EZ/EngagedInExcessBenefitTransInd0false
IRS990EZ/ExcessOrDeficitForYearAmt0-2651
IRS990EZ/FeesAndOtherPymtToIndCntrctAmt0500
IRS990EZ/FiledScheduleAInd0true
IRS990EZ/ForeignFinancialAccountInd0false
IRS990EZ/ForeignOfficeInd0false
IRS990EZ/Form1120PolFiledInd0false
IRS990EZ/Form990TotalAssetsGrp/BOYAmt039509
IRS990EZ/Form990TotalAssetsGrp/EOYAmt036858
IRS990EZ/FundraisingGrossIncomeAmt069064
IRS990EZ/GrantsAndSimilarAmountsPaidAmt035600
IRS990EZ/GrossReceiptsAmt069064
IRS990EZ/InfoInScheduleOPartIIIInd0X
IRS990EZ/InfoInScheduleOPartIInd0X
IRS990EZ/LobbyingActivitiesInd0false
IRS990EZ/MadeLoansToFromOfficersInd0false
IRS990EZ/MethodOfAccountingAccrualInd0X
IRS990EZ/NetAssetsOrFundBalancesBOYAmt039509
IRS990EZ/NetAssetsOrFundBalancesEOYAmt036858
IRS990EZ/NetAssetsOrFundBalancesGrp/BOYAmt039509
IRS990EZ/NetAssetsOrFundBalancesGrp/EOYAmt036858
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt0000.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt1000.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt2000.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt10
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt20
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm0DREW ARMACOST
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm1DENNIS CAGNON JR
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm2BRIAN BRENNAN
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt0TREASURER
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt1PRESIDENT
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt2VICE PRESIDE
IRS990EZ/OperateHospitalInd0false
IRS990EZ/Organization501c3Ind0X
IRS990EZ/OrganizationDissolvedEtcInd0false
IRS990EZ/OrganizationHadUBIInd0false
IRS990EZ/OtherExpensesTotalAmt03341
IRS990EZ/PartVIHghstPdCntrctProfSrvcTxt0NONE
IRS990EZ/PartVIOfCompOfHghstPdEmplTxt0NONE
IRS990EZ/PoliticalCampaignActyInd0false
IRS990EZ/PrimaryExemptPurposeTxt0THE CORPORATION IS ORGANIZED EXCLUSIVELY FOR CHARITABLE, RELIGIOUS, EDUCATIONAL AND SCIENTIFIC.
IRS990EZ/ProgramSrvcAccomplishmentGrp/DescriptionProgramSrvcAccomTxt0501 (C)(3) THE ORGANIZATION HAS AN ANNUAL GOLF TOURNAMENT IN ORDER TO RAISE FUNDS. THEN DONATIONS ARE MADE TO OTHER 501 (C)(3) ORGANIZATIONS AND INDIVIDUALS TO ASSIST THOSE IN NEED WITH THE COMMUNITY.
IRS990EZ/ProgramSrvcAccomplishmentGrp/GrantsAndAllocationsAmt035600
IRS990EZ/ProgramSrvcAccomplishmentGrp/ProgramServiceExpensesAmt037700
IRS990EZ/ProhibitedTaxShelterTransInd0false
IRS990EZ/RelatedOrganizationCtrlEntInd0false
IRS990EZ/ScheduleBNotRequiredInd0X
IRS990EZ/SchoolOperatingInd0false
IRS990EZ/SpecialEventsDirectExpensesAmt032274
IRS990EZ/SpecialEventsNetIncomeLossAmt036790
IRS990EZ/SubjectToProxyTaxInd0false
IRS990EZ/TanningServicesProvidedInd0false
IRS990EZ/TotalExpensesAmt039441
IRS990EZ/TotalProgramServiceExpensesAmt037700
IRS990EZ/TotalRevenueAmt036790
IRS990EZ/TransactionWithControlEntInd0false
IRS990EZ/TrnsfrExmptNonChrtblRltdOrgInd0false
IRS990EZ/TypeOfOrganizationCorpInd0X
IRS990EZ/WebsiteAddressTxt0WWW.AHICF.INFO
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearAmt069064
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus1YearAmt056956
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus2YearsAmt046982
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus3YearsAmt053830
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus4YearsAmt0500
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/TotalAmt0227332
IRS990ScheduleA/InvestmentIncomeCYPct00.00000
IRS990ScheduleA/InvestmentIncomePYPct00.00000
IRS990ScheduleA/PubliclySupportedOrg509a2Ind0X
IRS990ScheduleA/PublicSupportCY509Pct01.00000
IRS990ScheduleA/PublicSupportPY509Pct01.00000
IRS990ScheduleA/PublicSupportTotal509Amt0227332
IRS990ScheduleA/ThirtyThrPctSuprtTestsCY509Ind0X
IRS990ScheduleA/Total509Grp/CurrentTaxYearAmt069064
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus1YearAmt056956
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus2YearsAmt046982
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus3YearsAmt053830
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus4YearsAmt0500
IRS990ScheduleA/Total509Grp/TotalAmt0227332
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearAmt069064
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus1YearAmt056956
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus2YearsAmt046982
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus3YearsAmt053830
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus4YearsAmt0500
IRS990ScheduleA/TotalSupportCalendarYearGrp/TotalAmt0227332
IRS990ScheduleG/FundraisingEventInformationGrp/DirectExpenseSummaryEventsAmt032274
IRS990ScheduleG/FundraisingEventInformationGrp/Event1Nm0ANNUAL GOLF TOU
IRS990ScheduleG/FundraisingEventInformationGrp/FoodAndBeverageEvent1Amt07528
IRS990ScheduleG/FundraisingEventInformationGrp/FoodAndBeverageTotalEventsAmt07528
IRS990ScheduleG/FundraisingEventInformationGrp/GrossReceiptsEvent1Amt069064
IRS990ScheduleG/FundraisingEventInformationGrp/GrossReceiptsTotalAmt069064
IRS990ScheduleG/FundraisingEventInformationGrp/GrossRevenueEvent1Amt069064
IRS990ScheduleG/FundraisingEventInformationGrp/GrossRevenueTotalEventsAmt069064
IRS990ScheduleG/FundraisingEventInformationGrp/NetIncomeSummaryAmt036790
IRS990ScheduleG/FundraisingEventInformationGrp/RentFacilityCostsEvent1Amt024746
IRS990ScheduleG/FundraisingEventInformationGrp/RentFcltyCostsTotalEventsAmt024746
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0NAME: SANDCASTLE KIDS INC. ADDRESS: 431 CARSOON OAKS LANE SANTA ROSA BEACH, FL 32459 CASH CONTRIBUTION: 35,600
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1EXPENSES INSURANCE 1,241 BANK/CREDIT CHARGES 1,255 SUPPLIES 845 TOTAL 3,341
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2THE CORPORATION IS ORGANIZED EXCLUSIVELY FOR CHARITABLE, RELIGIOUS, EDUCATIONAL AND SCIENTIFIC.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990-EZ, PART I, LINE 10
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990-EZ, PART I, LINE 16
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990-EZ, PART III
ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/PersonNm0DREW ARMACOST
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0TREASURER
ReturnHeader/BusinessOfficerGrp/PhoneNum08508650198
ReturnHeader/BusinessOfficerGrp/SignatureDt02026-03-02
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0AFFORDABLE HOME INSURANCE CHARITIES
ReturnHeader/Filer/BusinessName/BusinessNameLine2Txt0FOUNDATION INC
ReturnHeader/Filer/BusinessNameControlTxt0AFFO
ReturnHeader/Filer/EIN0461854528
ReturnHeader/Filer/PhoneNum08508650198
ReturnHeader/Filer/USAddress/AddressLine1Txt04008 LEGENDARY DRIVE SUITE 400
ReturnHeader/Filer/USAddress/CityNm0DESTIN
ReturnHeader/Filer/USAddress/StateAbbreviationCd0FL
ReturnHeader/Filer/USAddress/ZIPCd032541
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0591694502
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0NICHOLSON REEDER & REYNOLDS CPA
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt024 WALTER MARTIN ROAD NE SUITE 1
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0FORT WALTON BEACH
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0FL
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd0325484960
ReturnHeader/PreparerPersonGrp/PhoneNum08502433176
ReturnHeader/PreparerPersonGrp/PreparationDt02026-03-02
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0STEPHEN REEDER
ReturnHeader/ReturnTs02026-03-04T09:39:18-05:00
ReturnHeader/ReturnTypeCd0990EZ
ReturnHeader/TaxPeriodBeginDt02025-01-01
ReturnHeader/TaxPeriodEndDt02025-12-31
ReturnHeader/TaxYr02025

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