Civic Intelligence

Habitat for Humanity International Inc

EIN 59-3034059 • 501(c)3 • Casselberry, FL

Profile

Create affordable housing by bringing people together to build homes, communities and hope.

PO Box 181010Casselberry, FL 32718

www.habitatseminoleapopka.org

Siviq Scores

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

Liabilities / Assets

33rd percentile

0.06x

Higher debt load relative to assets than 33% of similar nonprofits.

501(c)3 • $10M-$25M nonprofits • Source year 2025

Liabilities / Revenue

29th percentile

0.09x

Higher debt load relative to revenue than 29% of similar nonprofits.

501(c)3 • $10M-$25M nonprofits • Source year 2025

Net Margin

18th percentile

-9.5%

Higher net margin than 18% of similar nonprofits.

501(c)3 • $10M-$25M nonprofits • Source year 2025

Top Officer Pay

49th percentile

$184,508

Higher top officer pay than 49% of similar nonprofits.

Top officer pay equals 1.9% of source-year revenue.

501(c)3 • $10M-$25M nonprofits • Source year 2025

Asset Growth

8th percentile

-14%

Faster asset growth than 8% of similar nonprofits.

501(c)3 • $10M-$25M nonprofits • Annualized from 2024 to 2025

Revenue Growth

84th percentile

48%

Faster revenue growth than 84% of similar nonprofits.

501(c)3 • $10M-$25M nonprofits • Annualized from 2024 to 2025

Assets

Down

$12,738,385

Down $2,004,558 (-14%) from 2024

Liabilities

Down

$812,131

Down $1,295,939 (-61%) from 2024

Net Assets

Down

$11,926,254

Down $708,619 (-5.6%) from 2024

Revenue

Up

$9,513,189

Up $3,075,497 (+48%) from 2024

Expenses

Up

$10,419,586

Up $3,986,811 (+62%) from 2024

Net Income

Down

-$906,397

Down $911,314 (-18534%) from 2024

Trend Graphs

Balance Sheet Trend

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

$15M$10M$5.0M$0Assets 2011: $2,779,480Liabilities 2011: $670,462Net Assets 2011: $2,109,0182011Assets 2012: $3,646,024Liabilities 2012: $660,101Net Assets 2012: $2,985,9232012Assets 2013: $3,948,284Liabilities 2013: $638,153Net Assets 2013: $3,310,1312013Assets 2014: $5,484,597Liabilities 2014: $999,971Net Assets 2014: $4,484,6262014Assets 2015: $6,247,603Liabilities 2015: $1,073,014Net Assets 2015: $5,174,5892015Assets 2016: $6,255,803Liabilities 2016: $820,466Net Assets 2016: $5,435,3372016Assets 2017: $6,552,126Liabilities 2017: $683,390Net Assets 2017: $5,868,7362017Assets 2018: $7,755,479Liabilities 2018: $1,189,943Net Assets 2018: $6,565,5362018Assets 2019: $8,030,724Liabilities 2019: $1,062,099Net Assets 2019: $6,968,6252019Assets 2020: $7,768,620Liabilities 2020: $858,218Net Assets 2020: $6,910,4022020Assets 2021: $8,000,279Liabilities 2021: $804,003Net Assets 2021: $7,196,2762021Assets 2022: $11,777,180Liabilities 2022: $195,221Net Assets 2022: $11,581,9592022Assets 2023: $12,730,741Liabilities 2023: $301,766Net Assets 2023: $12,428,9752023Assets 2024: $14,742,943Liabilities 2024: $2,108,070Net Assets 2024: $12,634,8732024Assets 2025: $12,738,385Liabilities 2025: $812,131Net Assets 2025: $11,926,2542025

Highlighted filing

2025

Assets$12,738,385
Liabilities$812,131
Net Assets$11,926,254

Operations Trend

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

$15M$10M$5.0M$0-$5.0MRevenue 2011: $1,227,829Expenses 2011: $1,018,961Net Income 2011: $208,8682011Revenue 2012: $2,440,133Expenses 2012: $1,968,423Net Income 2012: $471,7102012Revenue 2013: $2,671,495Expenses 2013: $2,347,287Net Income 2013: $324,2082013Revenue 2014: $4,088,118Expenses 2014: $2,965,893Net Income 2014: $1,122,2252014Revenue 2015: $4,279,440Expenses 2015: $3,589,477Net Income 2015: $689,9632015Revenue 2016: $3,876,364Expenses 2016: $3,626,401Net Income 2016: $249,9632016Revenue 2017: $3,254,991Expenses 2017: $2,840,142Net Income 2017: $414,8492017Revenue 2018: $3,639,269Expenses 2018: $3,082,793Net Income 2018: $556,4762018Revenue 2019: $3,491,661Expenses 2019: $3,088,572Net Income 2019: $403,0892019Revenue 2020: $3,356,267Expenses 2020: $3,414,490Net Income 2020: -$58,2232020Revenue 2021: $3,736,480Expenses 2021: $3,450,606Net Income 2021: $285,8742021Revenue 2022: $7,434,187Expenses 2022: $3,048,504Net Income 2022: $4,385,6832022Revenue 2023: $5,914,283Expenses 2023: $5,119,544Net Income 2023: $794,7392023Revenue 2024: $6,437,692Expenses 2024: $6,432,775Net Income 2024: $4,9172024Revenue 2025: $9,513,189Expenses 2025: $10,419,586Net Income 2025: -$906,3972025

Highlighted filing

2025

Revenue$9,513,189
Expenses$10,419,586
Net Income-$906,397

Filings

Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2025XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$12.7$0.81$11.9$9.51$10.4$0.91
2024XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$14.7$2.11$12.6$6.44$6.43$0.00
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$12.7$0.30$12.4$5.91$5.12$0.79
2022XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$11.8$0.20$11.6$7.43$3.05$4.39
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$8.00$0.80$7.20$3.74$3.45$0.29
2020Facts available. Structured filing facts are available, but richer extracted sections are limited.$7.77$0.86$6.91$3.36$3.41$0.06
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$8.03$1.06$6.97$3.49$3.09$0.40
2018Facts available. Structured filing facts are available, but richer extracted sections are limited.$7.76$1.19$6.57$3.64$3.08$0.56
2017Facts available. Structured filing facts are available, but richer extracted sections are limited.$6.55$0.68$5.87$3.25$2.84$0.41
2016Detailed filing. Detailed filing data is available for this year.$6.26$0.82$5.44$3.88$3.63$0.25
2015Detailed filing. Detailed filing data is available for this year.$6.25$1.07$5.17$4.28$3.59$0.69
2014Detailed filing. Detailed filing data is available for this year.$5.48$1.00$4.48$4.09$2.97$1.12
2013Summary only. Only limited summary data is available for this year.$3.95$0.64$3.31$2.67$2.35$0.32
2012Summary only. Only limited summary data is available for this year.$3.65$0.66$2.99$2.44$1.97$0.47
2011Summary only. Only limited summary data is available for this year.$2.78$0.67$2.11$1.23$1.02$0.21
Latest Detailed Filing

The latest 2025 filing currently has linked XML that has not been fully parsed yet. Showing the latest detailed filing from 2020 below.

Jump To
Filing Snapshot
Filing Period
Jul 1, 2019 to Jun 30, 2020
Signed
Oct 27, 2020
Return Version
2019v5.1
Gross Receipts
$3,385,414
Mission and Program Overview

Mission

Create affordable housing by bringing people together to build homes, communities and hope.

Habitat for humanity builds strength, stability and self-reliance through shelter. Seeking to put god's love into action, we bring people together to build homes, communities and hope.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$4,333,308$4,210,338▼ $122,970
Savings and Temporary Cash Investments$1,642,123$1,477,657▼ $164,466
Land, Buildings, and Equipment, Net$612,406$574,031▼ $38,375
Accounts Receivable-$128,828-
Inventories for Sale or Use$60,904$34,689▼ $26,215
Prepaid Expenses and Deferred Charges$82,039$22,104▼ $59,935
Total Assets$8,030,724$7,768,620▼ $262,104
Other Assets Total$1,299,944$1,320,973▲ $21,029
Liabilities
Unsecured Notes Loans Payable$787,150$727,594▼ $59,556
Accounts Payable and Accrued Expenses$193,583$101,179▼ $92,404
Escrow Account Liability$81,366--
Other Liabilities$0$29,445▲ $29,445
Total Liabilities$1,062,099$858,218▼ $203,881
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$6,911,312$6,894,258▼ $17,054
Net Assets With Donor Restrictions$57,313$16,144▼ $41,169
Total Net Assets Fund Balance$6,968,625$6,910,402▼ $58,223
Total Liabilities and Net Assets / Fund Balance$8,030,724$7,768,620▼ $262,104

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$401,977$347,218$749,195
Land$133,128-$133,128
Equipment$38,926$60,459$99,385
Other Land Buildings$0$18,282$18,282
Other Assets Org$83,726--
Compensation and Service Providers

Employees

NameTitleFull / Part TimeBaseOtherTotal
Penny SeaterCEOFT$111,416$8,852$120,268

Board Members and Trustees

NameTitle
Susan RichChair
Rich TraceyChairman Emeritus
Bill FinfrockPast Board Chair
Mike DodaneVice Chair
Anthony AramendiaDirector
Barrett SprayDirector
Captain Ron ShawDirector
Doug GartenlaubDirector
Jeanette ScreiberDirector
Marc JonesDirector
Chandra JonesSecretary
Neil SaydahTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$1,522,021
Program Service Revenue
$1,523,060
Investment Income
$1,614
Other Revenue
$309,572
All Other Contributions
$1,324,966
Change in Net Assets
$-58,223

Noncash Contribution Practices

Property subject to holding requirements
No
Reviewed unusual noncash gifts
No
Third parties used for noncash contributions
No

Noncash Contributions

Contribution TypeContribution CountReported Amount
Other Non Cash Contri Table500$766,955
Total Noncash Contributions500$766,955

Audited Revenue Reconciliation

Revenue per Audited Statements
$3,356,267
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$106,245
Total Revenue per Audited Statements
$3,462,512
Total Revenue per Form 990
$3,356,267
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$2,317,543
Salaries, Compensation, and Employee Benefits$1,096,947
Total Fundraising Expense$210,315
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$508,846$156,568$117,426$782,840
Occupancy$144,285$23,085$12,986$180,356
All Other Expenses$145,828$7,777$11,931$165,536
Current Officers, Directors, Trustees, and Key Employees$72,420$22,283$16,713$111,416
Other Employee Benefits$67,002$20,615$15,461$103,078
Payroll Taxes$50,560$15,557$11,668$77,785
Other Expenses$63,553$26,564$15,939$63,553
Depreciation Depletion$32,314$6,619-$38,933
Interest$37,457--$37,457
Insurance$14,665$6,111$3,666$24,442
Pension Plan Contributions$14,188$4,366$3,274$21,828
Travel-$16,242-$16,242
Office Expenses$5,002$2,084$1,251$8,337
Advertising$4,923--$4,923
Total Functional Expenses$2,896,304$307,871$210,315$3,414,490

Audited Expense Reconciliation

Line ItemAmount
Total Expenses per Audited Statements$3,520,735
Expenses per Audited Statements$3,414,490
Total Expenses per Form 990$3,414,490
Expenses Not Reported on Form 990$106,245
Expenses Not Reported on Financial Statements$0
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Fundraising Gross Income$197,619
Fundraising Direct Expenses$29,147
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Lobbying activity
No
Subject to proxy tax
No
Insider Transactions and Loans

Interested-Person Transactions

Interested PartyRelationshipDescriptionShared RevenueAmount
Rich TraceyRich Tracey Is the Chairman Emeritus for Habitat SeminoleHabitat Seminole Rents Office Space at a Lower Than Market Rate in the Building Owned by Rich Tracey.No$0
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Paycheck Protection Program Loan$29,445
Governance and Compliance

Governance Checklist

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

Governance Explanations

Form 990, Part VI, Section A, Line 8B

Committees cannot act on behalf of the governing body.

Form 990, Part VI, Section B, Line 11B

The organization's finance committee reviews and approves the form 990 filing. Once approved, a copy of form 990 is given to each member of the organization's board.

Form 990, Part VI, Section B, Line 12C

Board members are required to complete a current conflict of interest and whistle blower policy form annually.

Form 990, Part VI, Section B, Line 15

The executive committee is responsible for determining and approving the level of compensation for the organization's ceo. This approval process includes the review of similar non-profit organizations in the area in regards to compensation and duties as well as a review of annual data collection on non-profit salaries.

Form 990, Part VI, Section C, Line 19

The organization provides copies of form 990 and related documents upon request by mail or in person.

Filing and Contact Details

Filer

Filer Name
Habitat for Humanity of Seminole Co
EIN
59-3034059
Phone
4076965855
Address
PO BOX 181010, CASSELBERRY, FL 32718

Signing Officer

Name
Penny Seater
Title
CEO
Phone
4076965855
Signed
2020-10-27
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Penny Seater
Formed
1990
Legal Domicile
Fl
Voting Board Members
12
Independent Board Members
12
Employees
53
Volunteers
95

Preparer

Firm
Schafer Tschopp Whitcomb Et Al
Address
541 S ORLANDO AVENUE SUITE 312, MAITLAND, FL 32751
Preparer
Thomas R Tschopp
Phone
4078752760
Supplemental Narrative

Financial Statement Notes

PART IV, LINE 2B:

The organization manages escrowed funds for taxes and insurance on behalf of the participants of the organization's activities.

PART X, LINE 2:

The organization adopted the provisions of the income tax topic of the asc. These provisions clarify the accounting for uncertainty in tax positions and prescribe guidance related to the financial statement recognition and measurement of a tax position taken or expected to be taken in a tax return. The tax benefit from an uncertain tax position is only recognized in the statement of financial position if the tax position is more likely than not to be sustained upon an examination, based on the technical merits of the position. Interest and penalties, if any, are included in expenses in the statement of activities. As of june 30, 2020, habitat for humanity in seminole county and greater apopka, florida, inc. Had no uncertain tax positions that qualify for recognition or disclosure in the financial statements.

Raw XML AppendixShowing 400 of 547 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
IRS990/AccountantCompileOrReviewInd00
IRS990/AccountsPayableAccrExpnssGrp/BOYAmt0193583
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IRS990/AccountsReceivableGrp/EOYAmt0128828
IRS990/ActivitiesConductedPrtshpInd00
IRS990/ActivityOrMissionDesc0HABITAT FOR HUMANITY BUILDS STRENGTH, STABILITY AND SELF-RELIANCE THROUGH SHELTER. SEEKING TO PUT GOD'S LOVE INTO ACTION, WE BRING PEOPLE TOGETHER TO BUILD HOMES, COMMUNITIES AND HOPE.
IRS990/AdvertisingGrp/ProgramServicesAmt04923
IRS990/AdvertisingGrp/TotalAmt04923
IRS990/AllOtherContributionsAmt01324966
IRS990/AllOtherExpensesGrp/FundraisingAmt011931
IRS990/AllOtherExpensesGrp/ManagementAndGeneralAmt07777
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IRS990/AllOtherExpensesGrp/TotalAmt0165536
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IRS990/BooksInCareOfDetail/BusinessName/BusinessNameLine1Txt0PENNY SEATER
IRS990/BooksInCareOfDetail/PhoneNum04076965855
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt0251 MAITLAND AVENUE SUITE 312
IRS990/BooksInCareOfDetail/USAddress/CityNm0MAITLAND
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IRS990/CompensationProcessOtherInd01
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IRS990/ConsolidatedAuditFinclStmtInd00
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IRS990/CYGrantsAndSimilarPaidAmt00
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IRS990/CYRevenuesLessExpensesAmt0-58223
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IRS990/CYTotalProfFndrsngExpnsAmt00
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IRS990/DepreciationDepletionGrp/TotalAmt038933
IRS990/Desc0IN PARTNERSHIP WITH OUR COMMUNITY, HABITAT SEMINOLE-APOPKA HAS BUILT AND RENOVATED OVER 200 HOMES SINCE OUR INCEPTION IN 1991. INDIVIDUALS, FOUNDATIONS, CORPORATIONS, FAITH ORGANIZATIONS, GOVERNMENT AND CIVIC GROUPS PROVIDE GENEROUS GIFTS TO ADDRESS THE AFFORDABLE HOUSING CRISIS AND PROVIDE POSSIBILITIES TO FAMILIES THAT ARE STRUGGLING FINANCIALLY AND DESIRE A BETTER LIFE. IN ADDITION TO GENEROUS GIFTS, RESOURCES, LAND AND TALENT, 1,791 VOLUNTEERS PROVIDED OVER 33,000 HOURS OF SERVICE.
IRS990/DescribedInSection501c3Ind01
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IRS990/ExpenseAmt01962730
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IRS990/FederalGrantAuditRequiredInd00
IRS990/ForeignActivitiesInd00
IRS990/ForeignFinancialAccountInd00
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IRS990/ProgSrvcAccomActy2Grp/Desc0THE FORECLOSURE RATE OF OUR HOME BUYING PROGRAM IS LOW DUE IN LARGE PART TO OUR ROBUST HOMEBUYER EDUCATION PROGRAM. WE OFFER MANDATORY CLASSES ON TOPICS SUCH AS BUDGETING, PLANNING, SAVING, HOME MAINTENANCE, CIVIC ENGAGEMENT, WILLS AND TRUSTS, AND PREDATORY LENDING. A WELL-EDUCATED HOMEOWNER HELPS TO MINIMIZE DEFAULT ON THEIR MORTGAGE AS WELL AS PROTECT THE COMMUNITY'S INVESTMENT IN THE HOME. OUR COMPREHENSIVE SOLUTION RESULTS IN PROGRESSIVE LIFE CHANGES AND EMPOWERS A GENERATION OF FAMILIES FOR SUCCESS IN LIFE.
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IRS990/ProgSrvcAccomActy3Grp/Desc0OUR THRIFT STORE LOCATION IN SANFORD DIVERTED 600 TONS OF REUSABLE ITEMS FROM OUR AREA'S LANDFILLS.
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