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Avon's Heritage Home Loan Program

  • 12-16-09 Ordinance 142-09

  • March 20 and 21, 2010 Heart of Avon Spring Celebration

    NEWS ARTICLE from The Press, 12-16-09, By Rebecca Turman

    ``AVON -- Avon residents who own historical homes may have the opportunity to fund renovations in a different way beginning in 2010.

    According to Avon Councilman Dennis McBride, the Finance Committee has discussed the City joining the Heritage Home Loan Program, offered by the Cleveland Restoration Society, after the Landmarks Preservation Commission recommended council look into it.

    The Heritage Home Loan Program is for owners of older and historic homes, with the purpose to "promote the restoration and preservation of historic homes in Cleveland and its inner ring suburbs," according to information provided on the Cleveland Restoration Society's Web site.

    The program is prevalent in Cuyahoga County; however, Oberlin has joined the program as well.

    The program offers eligible homeowners the opportunity to obtain a low-interest home equity loan (3.5 percent through KeyBank) to restore a historic home to its original character. The minimum loan available is $3,000 and the maximum is $150,000.

    To be eligible, residents must have a home that is at least 50 years old or older. The house cannot have vinyl or aluminum siding or vinyl replacement windows throughout. The house must also retain some original characteristics, and the property must be zoned residential and must be three units or less.

    The program also offers technical assistance to homeowners, which includes site visits to the property, construction advice and guidance, custom written construction specifications for each loan, guidance and referrals for resources, color consults for exterior painting and evaluation of contractor bids and estimates.

    "Since September 2001, Heritage Program staff has provided technical assistance to over 1,400 homeowners," according to the Web site. "Over 320 loans have been signed, valued at over $10.3 million in community reinvestment."

    While the technical assistance is free to homeowners, the program does come at a cost to the City. The City would have to pay $8,800 annually for membership in the program, according to Law Director John Gasior. That money pays for administrative and technical advice.

    During a Dec. 7 [2009] council work session, Finance Committee Chairman McBride said his personal opinion is that spending $8,000 into the program is not worth it. "I recommend it, but put a sunset clause on it," McBride said. "If no one uses funds by August, terminate it." ...

    "I know there is a great interest in it," said Landmarks Preservation Commission Vice President Joe Richvalsky. "People have expressed their desire to take advantage of it. Oberlin adopted it a year ago." ...

    The program has yet to be officially approved by City Council. "We will be putting together an ordinance to authorize the mayor to enter into some sort of agreement (with the Cleveland Restoration Society) for one year," Gasior said. "It won't be on the agenda until the (Dec.) 21 [2009] work session."

    Gasior said the Landmarks Preservation Commission made a recommendation to council in August that it contract with the Cleveland Restoration Society and make the Heritage Home Loan Program available to Avon residents.

    If approved by council, Richvalsky said the hope is residents can begin using the program in early 2010. For more information on the Heritage Home Loan Program, visit www.clevelandrestoration.org ''



    Date: Thu, 17 Dec 2009

    From: "Kerrington Adams"

    To: "Carol Hartwig" Chair, Avon Landmarks Preservation Commission

    CC: "Marilyn Fedelchak Harley" Lorain County Preservation Network

    In answer to your question: Any city that joins the Heritage Home Program will provide ALL of its residents who have houses 50+ years old or older with the opportunity for free technical assistance via site visits and written information about old house problems.

    Our trained staff has experience in construction and historic preservation and can answer just about any issue related to old houses. Homeowners do not have to take out the loan to get technical assistance. The houses themselves do not need to be locally designated landmarks or on the National Register of Historic Places to be eligible.

    Additionally, once you've joined, all residents who have houses 50+ years old or older can also take advantage of our low-interest loan program to finance the work.

    Kerry Adams

    Historic Preservation Specialist

    ClevelandRestoration Society

    3751 Prospect Ave, East

    Cleveland, OH 44115

    (216) 426-3101



    Date: Wed, 16 Dec 2009

    From: "Marilyn Fedelchak Harley" Lorain County Preservation Network

    To: "Carol Hartwig" Chair, Avon Landmarks Preservation Commission

    The technical assistance is for any home more than 50 years old that has its architectural integrity intact. This means that it cannot have manufactured siding over a wood, stone or brick siding or an addition on the front or some other changes that destroy its architectural characteristics. The exception of course is if the owners want to remove the manufactured siding then they are eligible.

    The loan is available to these homeowners if they meet the income guidelines. [Now there is NO income limitation or guideline because another linked depositor has joined to benefit Avon.]

    Important to note that churches, the City and the Landmarks Commission are all also eligible for technical assistance if they want. This could be important for Avon Isle.

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    Exhibit A to Ordinance No. 142-09 [proposed as 12-16-09]



    THIS AGREEMENT, made and entered into this _____ day of , 2010, by and between the CITY OF AVON, OHIO, a Municipal Corporation (hereinafter referred to as "CITY") and the Cleveland Restoration Society (hereinafter referred to as "CRS").

    WHEREAS, The Cleveland Restoration Society has established a linked deposit loan program referred to as the Heritage Home Program (the "Heritage Home Program") for the purpose of enhancing historic properties in the participating communities; and

    WHEREAS, pursuant to Ordinance No. 142-09 duly passed by the Council of the City of Avon, the CITY has determined and is authorized to enter into an agreement with the Cleveland Restoration Society for the purpose of providing professional historic preservation technical assistance to Avon homeowners relative to the CITY'S participation in the Heritage Home Program; and

    NOW, THEREFORE, the CITY and CRS, in consideration of the mutual covenants hereinafter set forth, agree as follows:


    The Cleveland Restoration Society agrees to perform the following technical assistance services for the period covered by this Agreement:


    1. Cooperate with the CITY and the County and assist in the establishment and implementation of administrative procedures related to the Heritage Home Program (the Program).

    2. Assist the CITY in marketing the Program to Avon property owners. Such marketing efforts will include displaying a temporary Heritage Home Program sign, during construction, in the front yard of properties participating in the Program. Such sign is to be a non-commercial sign, in compliance with CITY codes and approved by the CITY, displayed on each participating property for a period not to exceed six (6) months.

    3. Provide technical assistance on the preservation and rehabilitation of Avon's historic housing and/or commercial stock to any property owner making a request. Technical assistance is available by phone, through the mail, and on site. Participation in the Heritage Home Program loan is not required to receive this technical assistance.

    4. Report program activity to the City of Avon on a quarterly basis. These reports should be sent to the Clerk of Council and the Finance Director.


    1 Determine the historic eligibility of individual properties upon request of Avon property owners interested in participating in the Program. This determination will be based on information collected by CRS through telephone interviews with property owners and site visits to the property to assess eligibility as defined by the County for the Program.

    2. Determine whether projects qualify for the program and notify owners.

    3. Provide professional preservation technical assistance to property owners of qualified properties to determine the scope and nature of rehabilitation and write contract specifications to ensure that the Program standards are met. Provide copies of final bid specifications to the CITY for each project.

    4. Determine total loan request amount based on contractor bids submitted by the property owner to CRS and notify the participating bank.

    5. Upon approval of a loan application by the participating bank, periodically monitor progress of construction and provide technical advice and consultation during construction as requested by the property owner, the County, or the CITY.

    6. Inspect property at completion of construction and certify that all work has been completed in accordance with the bids and in compliance with historic preservation standards as reflected in the CRS contract specifications. Provide written notification to the CITY of certification.


    CRS shall be compensated for the technical and planning assistance provided as described in Section 1, Scope of Services.

    The CITY and CRS agree that the maximum payment for services provided under this agreement for the year 2010 shall not exceed Eight Thousand, Eight Hundred ($8,800.00) Dollars. Invoices will be submitted by CRS in accordance with the payment schedule contained herein.


    1. The technical assistance services of CRS shall be provided for the period commencing on January 1, 2010 and extending through December 31, 2010.

    2. This Agreement may be terminated by either party upon thirty (30) days written notice at such other party's notice address, as set forth below in Section 5 hereof, provided that both the Cleveland Restoration Society/Preservation Resource Center of Northeast Ohio and the CITY, respectively, shall remain obligated to perform any duties and obligations created under Section 1 hereof which remain outstanding at the time of the termination of this Agreement.

    Section 4. Severability.

    If any provision of this Agreement, or any obligation or agreement contained herein is determined by a court to be invalid or unenforceable, that determination shall not affect any other provision, obligation or agreement, each of which shall be construed and enforced as if the invalid or unenforceable portion were not contained herein. That invalidity or unenforceability shall not affect any valid and enforceable application thereof, and each such provision, obligation or agreement shall be deemed to be effective, operative, made, entered into or taken in the manner and to the full extent permitted by law.

    Section 5. Notices.

    All communications hereunder will be in writing and, if sent to CRS, will be mailed, delivered. faxed or emailed and confirmed to:

    Cleveland Restoration Society/Preservation

    Resource Center of Northeast Ohio

    Sarah Benedict House

    3751 Prospect Avenue

    Cleveland, OH 44115

    Attention: Kathleen H. Crowther, Executive Director

    Phone: (216) 426-1000

    Fax No.: (216) 426-1975

    and, if sent to the CITY, will be mailed, delivered or faxed and confirmed to:

    James A. Smith, Mayor

    City of Avon

    36080 Chester Road

    Avon, Ohio 44011

    Phone: (440) 934-7605

    Fax: (440) 934-7824

    email: "mailto:sandy@cityofavon.com"

    Section 6. Counterparts.

    This Agreement may be executed in several counterparts, each of which shall be an original and all of which shall constitute but one and the same instrument.

    Section 7. Governing Law.

    This Agreement shall be governed by and construed in accordance with the laws of the State of Ohio.

    Section 8. Amendments.

    This Agreement may be effectively amended, changed, modified or altered in writing, and such writing shall be consented to and signed by both the City of Avon and the Cleveland Restoration Society.

    Section 9. Entire Agreement.

    This Agreement and the terms and provisions hereof embody the entire agreement and understanding among the parties hereto and supersede all prior agreements and understandings relating to the subject matter hereof.

    IN WITNESS WHEREOF, the City of Avon and the Cleveland Restoration Society have caused this Agreement to be duly executed in their respective names, all as of the date set forth above.


    By: _______________________________

    Print Name: Kathleen H. Crowther

    Title: Executive Director_____________


    By: ___________________________________

    Print Name: James A. Smith_______

    Title: Mayor_____

    Approved as to form


    John A. Gasior, Law Director

    City of Avon, Ohio


    ORDINANCE NO. 142-09 [proposed as 12-16-09]


    WHEREAS, a linked deposit low-interest loan program relating to historic properties referred to as the Heritage Home Program (the "County Heritage Home Loan Program") has been established with the Cleveland Restoration Society, a non-profit historic preservation organization and KeyBank National Association (KeyBank), as the lending institution, for the purpose of enhancing historic properties throughout the region; and

    WHEREAS, through the Heritage Home Program, KeyBank will provide low-interest loans to eligible borrowers for certain housing repairs and improvements relating to historic properties (each a "Heritage Linked Deposit Loan"); and

    WHEREAS, in order for the historic dwellings in the Avon to be eligible to participate in the Heritage Home Loan Program, the City must execute a Professional Services Agreement with the Cleveland Restoration Society to provide professional historic preservation technical assistance to Avon homeowners; and

    WHEREAS, the Council for the City of Avon hereby determines that efforts to restore and maintain historically significant structures in the City is in the best interests of the health, safety and welfare of the community and therefore it should immediately proceed with establishing the Heritage Home Program.


    Section 1 - That the Mayor is hereby authorized to enter into a Professional Services Agreement with the Cleveland Restoration Society for the purpose of providing professional historic preservation technical assistance to Avon homeowners relative to the City's participation in the Heritage Home Program for the year 2010, a copy of which is attached hereto and incorporated herein as Exhibit A. The Finance Director is hereby authorized to make payment in the amount of $8,800 Dollars from the General Fund No. 101 to satisfy the terms of said Agreement.

    Section 2 - That it is found and determined that all formal actions of this Council concerning and relating to the passage of this Ordinance were adopted in an open meeting of this Council, and that all deliberations of this Council and of any of its committees that resulted in such formal actions were in meetings open to the public, in compliance with all legal requirements, including Section 121.22 of the Ohio Revised Code.

    Section 3 - That this Ordinance is hereby declared to be an emergency measure necessary for the preservation of the public peace, health, safety and welfare of the citizens of the City of Avon, the immediate emergency being the necessity enter into a Professional Services Agreement with the Cleveland Restoration Society to facilitate participation in the Heritage Home Program for the year 2010; therefore, this Ordinance shall be in full force and effect immediately upon its passage and approval by the Mayor.


    DATE SIGNED: ____________________________


    By: Craig L. Witherspoon, Council President

    DATE APPROVED BY THE MAYOR: ______________________


    James A. Smith, Mayor



    John A. Gasior, Law Director



    Ellen R. Root, Clerk of Council

    POSTED: ________________

    In Five Places as Provided by Council

    Prepared by: John A. Gasior, Esq. Law Director

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    Heart of Avon Spring Celebration

    March 20 and 21, 2010

    Celebrate the first days of Spring by giving your home a fresh look, inside and out, at Avon shops offering great specials on furnishings, decorative accents and more for the garden and home.

    Saturday, March 20, 2010

    Heritage Home Loan Presentations, 1:00 pm and 3:00 pm, Old Town Hall of 1871, Southeast Corner of Routes 611 and 254 (Stoney Ridge and Detroit Road).

    Does your 50+ year old home need a facelift? Learn how to obtain Free professional advice and a low cost 3.5% loan to make your dreams a reality. No income restrictions apply. Presentations by representatives of the Cleveland Restoration Society, with question and answer opportunity following.

    For more information, call 440-937-5204


    PRESS RELEASE, 2-1-10


    Sara Hobbs

    Associate Director, Heritage Partner Development

    Cleveland Restoration Society

    Phone: (216) 426-3108

    Fax: (216) 426-1975

    E-mail: Shobbs@clevelandrestoration.org

    Avon Announces Low Interest Rehab Loans for Older Homes

    Cleveland; February 1, 2010

    Have you been putting off those nagging repairs to an older home? Does your roof need attention? Do you need to paint your wood siding or trim?

    Construction season has begun and State Treasurer Kevin L. Boyce and the Ohio Housing Finance Agency have partnered with the Cleveland Restoration Society (CRS), and KeyBank to introduce a specialized maintenance program for owners of older and historic homes that are 50 years old and older.

    The Heritage Home Program, which is administered by the non-profit Cleveland Restoration Society, provides low interest financing and free technical advice to enable owners of 1 to 3-unit properties for home rehab. Heritage staff provides in depth assistance to homeowners via site visits, custom construction specifications, historic color consults, and collateral materials.

    Homeowners can use a 3.5% fixed interest rate, 10-year term rehabilitation loan to fund a large variety of home maintenance and improvement projects. Houses that are built before 1960 and have no vinyl or aluminum siding are eligible for both exterior and interior projects.

    Non-owner occupied properties up to a three family are also eligible. Projects range from new roofs, painting, landscaping, porch repair, additions, window repair, driveways, kitchen and bath renovations and much more.

    The program also specializes in energy efficiency issues and can fund improvements like insulation, storm windows and doors and energy audits. Cleveland Restoration Society staff has made over 2,500 home visits through this program in Cuyahoga County, and they are now excited to announce its availability in Avon.

    KeyBank is the lender for this program. There is no out of pocket cost for the loan, no closing cost and no points. The interest from the loan is also tax deductible. There is no income limitation.

    The Cleveland Restoration Society team of historic rehabilitation specialists can answer your questions about the proper repair and maintenance of your older home at no charge.

    If you are interested in finding out more information on the program, or to see if your house qualifies contact the Cleveland Restoration Society at (216) 426-3116.

    There will be Heritage Home Program Overview Presentations during the 'Heart of Avon Spring Celebration'.

    These will be held at the historic Old Town Hall of 1871, located on the southeast corner of Detroit and Stoney Ridge Roads on Saturday, March 20, 2010, at 1 and 3 pm.

    Kerry Adams

    Senior Historic Preservation Specialist

    Cleveland Restoration Society

    Heart of Avon Spring Celebration, 3-20 -- 3-21-10,

    Saturday, March 20, 2010

    On March 20, 2010, the Cleveland Restoration Society will present two programs explaining the Heritage Home Loans. The programs will be presented at the Old Town Hall of 1871 at 1 p.m. and 3 p.m.

    The loans will be managed by Key Bank, are low interest at 3.5 %, and are available for homes that are older than 50 years. There are no income restrictions. Money can be used for inside renovations as well as landscaping and outdoor improvements. In addition, free technical assistance is available from the Cleveland Restoration Society.

    Sunday, March 21, 2010

    Four Century Homes will be open to the public on Sunday, 3-21-10, from 1 - 3 pm, as part of the "Heart of Avon Spring Celebration":

    Dewitt C. Moon Home (1847), 39016 Detroit Road. This beautiful brick farmhouse was built in 1845 at the northwest corner of Detroit and Moon Roads. Constructed in the Greek Revival architectural style, it features large windows capped by stone lintels and a central doorway with side and top windows. The foundation is native sandstone.

    Dewit C. Moon was the son of Colonel Abraham Moon, who came to Avon about 1817, settling on a 300-acre tract of land. Dewit was born in Avon in the 1820s. His brother-n-law, Ezra Jackson, was the builder of this house and several others in the Avon and Sheffield areas. The Dewit C. Moon House is listed on the Ohio Inventory of Historic Structures (LOR-98-3).


    38744 Detroit Road, (about 1880) Italianate/Vernacular


    Doctor Pipes Home, 37399 Detroit Road. This large Colonial Revival-style home is located on the south side of Detroit Road just west of the French Creek Road intersection. The house was built for Dr. Pipes circa 1900 as a home and office. Dr. Pipe was one of the last horse-and-buggy physicians in the area.


    William H. Bommer House, Italianate Style, built circa 1880, 37375 Detroit Road. Bill Bommer (1927 - 2009) was born in Avon and was self employed as a Nationwide Insurance Agent in Avon for over 40 years. He served in the U.S. Army during WW II.

    Bill was a charter member of both the Avon Lions Club and the Avon Boosters, also an active member of the Knights of Columbus #3269, in Avon working Bingo for over 20 years. He graduated from St. Mary's grammar school and Avon High School in 1944. He was a member of St. Mary of the Immaculate Conception Catholic Church, Avon, and was on the finance committee of the church, active in the choir, and Holy Name Society. His brothers Ed, Frank and Al Bommer were volunteer firemen in the Avon Fire Department.

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