Civic Intelligence

Center for Affordable Housing Inc

EIN 59-2117429 • 501(c)3 • Sanford, FL

Profile

To provide safe, secure and affordable housing, as well as related housing services to low-income residents of Central Florida.

2524 South Park DrSanford, FL 32773-5147

www.tcfah.org

Siviq Scores

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

Liabilities / Assets

96th percentile

2.07x

Higher debt load relative to assets than 96% of similar nonprofits.

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

Liabilities / Revenue

98th percentile

5.18x

Higher debt load relative to revenue than 98% of similar nonprofits.

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

Net Margin

7th percentile

-192%

Higher net margin than 7% 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

21st percentile

-46%

Faster asset growth than 21% of similar nonprofits.

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

Revenue Growth

50th percentile

-2.6%

Faster revenue growth than 50% of similar nonprofits.

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

Assets

Down

$59,885

Down $50,012 (-46%) from 2024

Liabilities

Down

$123,885

Down $3,891 (-3.0%) from 2024

Net Assets

Down

-$64,000

Down $46,121 (-258%) from 2024

Revenue

Down

$23,922

Down $651 (-2.6%) from 2024

Expenses

Down

$69,847

Down $32,177 (-32%) from 2024

Net Income

Up

-$45,925

Up $31,526 (+41%) from 2024

Trend Graphs

Balance Sheet Trend

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

$10M$5.0M$0-$5.0MAssets 2010: $7,895,554Liabilities 2010: $5,046,813Net Assets 2010: $2,848,7412010Assets 2011: $6,800,272Liabilities 2011: $5,404,341Net Assets 2011: $1,395,9312011Assets 2012: $2,768,107Liabilities 2012: $2,756,114Net Assets 2012: $11,9932012Assets 2013: $2,574,545Liabilities 2013: $2,586,973Net Assets 2013: -$12,4282013Assets 2014: $1,434,663Liabilities 2014: $1,562,024Net Assets 2014: -$127,3612014Assets 2015: $1,191,575Liabilities 2015: $1,342,930Net Assets 2015: -$151,3552015Assets 2016: $268,511Liabilities 2016: $192,416Net Assets 2016: $76,0952016Assets 2017: $196,449Liabilities 2017: $128,800Net Assets 2017: $67,6492017Assets 2018: $180,037Liabilities 2018: $90,951Net Assets 2018: $89,0862018Assets 2019: $332,779Liabilities 2019: $230,085Net Assets 2019: $102,6942019Assets 2020: $280,180Liabilities 2020: $213,228Net Assets 2020: $66,9522020Assets 2021: $251,153Liabilities 2021: $208,456Net Assets 2021: $42,6972021Assets 2022: $258,773Liabilities 2022: $137,474Net Assets 2022: $121,2992022Assets 2023: $191,414Liabilities 2023: $131,480Net Assets 2023: $59,9342023Assets 2024: $109,897Liabilities 2024: $127,776Net Assets 2024: -$17,8792024Assets 2025: $59,885Liabilities 2025: $123,885Net Assets 2025: -$64,0002025

Highlighted filing

2025

Assets$59,885
Liabilities$123,885
Net Assets-$64,000

Operations Trend

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

$1.0M$500K$0-$500KExpenses 2010: $931,7912010Expenses 2011: $706,8592011Expenses 2012: $598,1092012Expenses 2013: $591,3402013Revenue 2014: $195,748Expenses 2014: $310,681Net Income 2014: -$114,9332014Revenue 2015: $172,195Expenses 2015: $196,149Net Income 2015: -$23,9542015Revenue 2016: $420,387Expenses 2016: $191,787Net Income 2016: $228,6002016Revenue 2017: $57,218Expenses 2017: $65,664Net Income 2017: -$8,4462017Revenue 2018: $81,688Expenses 2018: $60,251Net Income 2018: $21,4372018Revenue 2019: $89,866Expenses 2019: $76,258Net Income 2019: $13,6082019Revenue 2020: $38,635Expenses 2020: $74,377Net Income 2020: -$35,7422020Revenue 2021: $45,426Expenses 2021: $69,577Net Income 2021: -$24,1512021Revenue 2022: $149,398Expenses 2022: $70,518Net Income 2022: $78,8802022Revenue 2023: $25,951Expenses 2023: $86,889Net Income 2023: -$60,9382023Revenue 2024: $24,573Expenses 2024: $102,024Net Income 2024: -$77,4512024Revenue 2025: $23,922Expenses 2025: $69,847Net Income 2025: -$45,9252025

Highlighted filing

2025

Revenue$23,922
Expenses$69,847
Net Income-$45,925

Filings

Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2025Detailed filing. Detailed filing data is available for this year.$0.06$0.12$0.06$0.02$0.07$0.05
2024Detailed filing. Detailed filing data is available for this year.$0.11$0.13$0.02$0.02$0.10$0.08
2023Detailed filing. Detailed filing data is available for this year.$0.19$0.13$0.06$0.03$0.09$0.06
2022Detailed filing. Detailed filing data is available for this year.$0.26$0.14$0.12$0.15$0.07$0.08
2021Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.25$0.21$0.04$0.05$0.07$0.02
2020Detailed filing. Detailed filing data is available for this year.$0.28$0.21$0.07$0.04$0.07$0.04
2019Detailed filing. Detailed filing data is available for this year.$0.33$0.23$0.10$0.09$0.08$0.01
2018Detailed filing. Detailed filing data is available for this year.$0.18$0.09$0.09$0.08$0.06$0.02
2017Detailed filing. Detailed filing data is available for this year.$0.20$0.13$0.07$0.06$0.07$0.01
2016Detailed filing. Detailed filing data is available for this year.$0.27$0.19$0.08$0.42$0.19$0.23
2015Detailed filing. Detailed filing data is available for this year.$1.19$1.34$0.15$0.17$0.20$0.02
2014Summary only. Only limited summary data is available for this year.$1.43$1.56$0.13$0.20$0.31$0.11
2013Facts available. Structured filing facts are available, but richer extracted sections are limited.$2.57$2.59$0.01$0.59
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$2.77$2.76$0.01$0.60
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$6.80$5.40$1.40$0.71
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$7.90$5.05$2.85$0.93
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Oct 1, 2024 to Sep 30, 2025
Signed
Dec 16, 2025
Return Version
2024v5.2
Gross Receipts
$23,922
Mission and Program Overview

Mission

To provide safe, secure and affordable housing, as well as related housing services to low-income residents of Central Florida.

Balance Sheet Detail
LineBeginningEndChange
Assets
Land, Buildings, and Equipment, Net$48,599$41,140▼ $7,459
Savings and Temporary Cash Investments$58,035$20,068▼ $37,967
Cash and Non-Interest-Bearing Accounts$8,078$3,852▼ $4,226
Total Assets$109,897$59,885▼ $50,012
Other Assets Total$-4,815$-5,175▼ $360
Liabilities
Mortgage Notes Payable Secured by Investment Property$127,460$123,568▼ $3,892
Accounts Payable and Accrued Expenses$316$317▲ $1
Total Liabilities$127,776$123,885▼ $3,891
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$-17,879$-64,000▼ $46,121
Total Net Assets Fund Balance$-17,879$-64,000▼ $46,121
Total Liabilities and Net Assets / Fund Balance$109,897$59,885▼ $50,012

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$41,140$182,639$223,779
Equipment-$17,508$17,508
Compensation and Service Providers

Board Members and Trustees

NameTitle
Stephen R ColdPresident
William F NewmanVice President
Paul GidusDirector
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$23,880
Investment Income
$42
Other Revenue
$0
Change in Net Assets
$-45,925
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$69,847
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Salaries, Compensation, and Employee Benefits$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Fees for Services Management-$31,900-$31,900
Depreciation Depletion$4,179$3,280-$7,459
Interest$6,599--$6,599
Insurance$4,655$1,551-$6,206
Fees for Services Accounting-$2,500-$2,500
Travel-$2,405-$2,405
Office Expenses-$905-$905
Other Expenses$5,926$136-$136
Total Functional Expenses$21,359$48,488$0$69,847
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Lobbying activity
No
Subject to proxy tax
No
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Backup withholding compliance
Yes
Business relationship with 35% controlled entity
No
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
Yes
Other officer compensation reviewed
No
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
Yes
Management duties delegated
Yes

Governance Explanations

Management duties delegation Part VI line 3

Property manager requirements included program service and management responsibilities.

Members or stockholder classes and rights Part VI line 6

Membership is open to any individual or organization who is interested in the projects sponsored by the organization.

Member election for additional members Part VI line 7A

Each member is entitled to one vote on each matter submitted to a vote of the members at the annual meeting. The annual meeting is held for the purpose of electing members of the governing body and for transacting other business as may be necessary. Members are only permitted to vote at the annual meeting.

Governing body decisions Part VI line 7B

Decisions of the governing body that are submitted to a vote at the annual meeting are subject to a vote by the members. All other decisions are voted on the governing body itself.

Governing body meeting documentation Part VI line 8A

Committees are designated for the purpose of providing input to the board in the management of the corporation, but the designation does not include delegation of any authority of the Board. Consequently, minutes of committee meetings are not held.

Form 990 governing body review Part VI line 11

A copy of Form 990 is made available to all members of the Board. The Executive Director reviews and approves the Form prior to its filing.

Conflict of interest policy compliance Part VI line 12C

If any conflicts arise, all issues are immediately discussed by the Board of Directors.

CEO executive director top management comp Part VI line 15A

Compensation of the Executive Director is evaluated and voted on each year by the Board of Directors. Recommendations for Executive Director compensation are based on comparable salaries for similarily qualified person in functionally comparable positions.

Governing documents etc available to public Part VI line 19

The Organizantions governing documents, conflicts of interest policy, and financial statements are all available upon request. The financial statements are available upon request.

Filing and Contact Details

Filer

Filer Name
Center for Affordable Housing Inc
EIN
59-2117429
In Care Of
% Stephen R Cold
Phone
4073233268
Address
2524 South Park Dr, Sanford, FL 32773-5147

Signing Officer

Name
Stephen R Cold
Title
President
Phone
4073233268
Signed
2025-12-16
Discuss with paid preparer
Yes

Organization Details

Formed
1981
Legal Domicile
Fl
Voting Board Members
3
Independent Board Members
3
Employees
0

Preparer

Firm
Joseph A Pfaff CPA PA
Address
1042 Whispering Cove, Casselberry, FL 32707-6054
Preparer
Joseph a Pfaff CPA
Phone
4076203388
Raw XML Appendix324 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.

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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0Property manager requirements included program service and management responsibilities.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1Membership is open to any individual or organization who is interested in the projects sponsored by the organization.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2Each member is entitled to one vote on each matter submitted to a vote of the members at the annual meeting. The annual meeting is held for the purpose of electing members of the governing body and for transacting other business as may be necessary. Members are only permitted to vote at the annual meeting.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3Decisions of the governing body that are submitted to a vote at the annual meeting are subject to a vote by the members. All other decisions are voted on the governing body itself.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4Committees are designated for the purpose of providing input to the board in the management of the corporation, but the designation does not include delegation of any authority of the Board. Consequently, minutes of committee meetings are not held.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5A copy of Form 990 is made available to all members of the Board. The Executive Director reviews and approves the Form prior to its filing.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6If any conflicts arise, all issues are immediately discussed by the Board of Directors.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7Compensation of the Executive Director is evaluated and voted on each year by the Board of Directors. Recommendations for Executive Director compensation are based on comparable salaries for similarily qualified person in functionally comparable positions.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt8The Organizantions governing documents, conflicts of interest policy, and financial statements are all available upon request. The financial statements are available upon request.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Management duties delegation Part VI line 3
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Members or stockholder classes and rights Part VI line 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Member election for additional members Part VI line 7a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Governing body decisions Part VI line 7b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Governing body meeting documentation Part VI line 8a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Form 990 governing body review Part VI line 11
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6Conflict of interest policy compliance Part VI line 12c
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7CEO executive director top management comp Part VI line 15a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc8Governing documents etc available to public Part VI line 19
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IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt021359
IRS990/TotalFunctionalExpensesGrp/TotalAmt069847
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt0127776
IRS990/TotalLiabilitiesEOYAmt0123885
IRS990/TotalLiabilitiesGrp/BOYAmt0127776
IRS990/TotalLiabilitiesGrp/EOYAmt0123885
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt0-17879
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt0-64000
IRS990/TotalOtherCompensationAmt00
IRS990/TotalProgramServiceExpensesAmt021359
IRS990/TotalProgramServiceRevenueAmt023880
IRS990/TotalReportableCompFromOrgAmt00
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt023922
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt023922
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt0109897
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt059885
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TransactionWithControlEntInd0false
IRS990/TravelGrp/ManagementAndGeneralAmt02405
IRS990/TravelGrp/TotalAmt02405
IRS990/TrnsfrExmptNonChrtblRltdOrgInd0false
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
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IRS990/VotingMembersGoverningBodyCnt03
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IRS990/WhistleblowerPolicyInd0true
ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0STEPHEN R COLD
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0President
ReturnHeader/BusinessOfficerGrp/PhoneNum04073233268
ReturnHeader/BusinessOfficerGrp/SignatureDt02025-12-16
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0Center for Affordable Housing Inc
ReturnHeader/Filer/BusinessNameControlTxt0CENT
ReturnHeader/Filer/EIN0592117429
ReturnHeader/Filer/InCareOfNm0% Stephen R Cold
ReturnHeader/Filer/PhoneNum04073233268
ReturnHeader/Filer/USAddress/AddressLine1Txt02524 South Park Dr
ReturnHeader/Filer/USAddress/CityNm0Sanford
ReturnHeader/Filer/USAddress/StateAbbreviationCd0FL
ReturnHeader/Filer/USAddress/ZIPCd0327735147
ReturnHeader/IRSResponsiblePrtyInfoCurrInd0true
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0593822992
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0Joseph A Pfaff CPA PA
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt01042 Whispering Cove
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0Casselberry
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0FL
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd0327076054
ReturnHeader/PreparerPersonGrp/PhoneNum04076203388
ReturnHeader/PreparerPersonGrp/PreparationDt02025-12-16
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0JOSEPH A PFAFF CPA
ReturnHeader/ReturnTs02025-12-18T19:28:54-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02024-10-01
ReturnHeader/TaxPeriodEndDt02025-09-30
ReturnHeader/TaxYr02024

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