Habitat for Humanity of Seminole County & Greater Apopka, FL, Inc.
PO BOX 181010
Casselberry FL 32718-1010
Contact Information
Address PO BOX 181010
Casselberry, FL 32718 1010
Phone (407) 696-5855
Fax (407) 331-0504
Web and Social Media
Donate with a credit card http://www.HabitatSeminoleApopka.org
Builders Blitz 2015

Mission Vision
A world where everyone has a decent place to live.

Mission Statement

Seeking to put God's love into action, Habitat for Humanity brings people together to build, homes, communities and hope.

Ultimate Goal
The ultimate goal of Habitat for Humanity is to eliminate substandard housing and homelessness from the face of the earth by building adequate and basic housing. Furthermore, all of our words and actions are for the ultimate purpose of putting shelter on the hearts and minds of people in such a powerful way that poverty housing and homelessness become socially, politically and religiously unacceptable in our nations and world.

CEO/Executive Director Penny Seater
Board Chair Mr. William Finfrock
Board Chair Company Affiliation Finfrock
IRS Ruling Year 1991
Former Names
Habitat for Humanity in Seminole County2011
Habitat for Humanity of Greater Apopka2011
Financial Summary
Revenue vs Expense Bar Graph
Projected Revenue $2,798,166.00
Projected Expenses $2,140,449.00

Mission Vision
A world where everyone has a decent place to live.

Mission Statement

Seeking to put God's love into action, Habitat for Humanity brings people together to build, homes, communities and hope.

Ultimate Goal
The ultimate goal of Habitat for Humanity is to eliminate substandard housing and homelessness from the face of the earth by building adequate and basic housing. Furthermore, all of our words and actions are for the ultimate purpose of putting shelter on the hearts and minds of people in such a powerful way that poverty housing and homelessness become socially, politically and religiously unacceptable in our nations and world.


Impact Statement

Habitat Seminole-Apopka has worked diligently to expand its program to serve more families in the community. Last year, we completed the Magnolia Place project. This 10-unit townhome project not only became home to 10 families, it removed a blighted property in the neighborhood and turned it from public burden to contribution.
While continuing to work on individual projects, we moved forward on a large scale project in Apopka, Juniper Bend. Seeking to expedite the completion of the project, we created a unique partnership with Homes in Partnership, Orange County and Habitat for Humanity of Greater Orlando. Construction of the 58 single homes will begin in April 2018 with completion planned for 2021.
While new home construction and rehab of blighted properties remains a focus, the addition of a Neighborhood Revitalization program considers older, owner-occupied homes that have fallen into a state of critical disrepair. To date, 58 homes have been painted and repaired.
The Women Build program grew significantly in 2017. This annual event brought in more than 200 volunteers, raising over $152k; a 98% increase over the first event held in 2013.
In 2018, we will focus on recruitment of partners, donors and volunteers heavily in the Apopka community as we begin the Juniper Bend Community. We are working to double Builders Blitz, an event where professionals donate goods and services to build houses in one week, is one of those partnerships.
While the affordable housing issue continues to grow, so does the need for repairs to aging owner-occupied homes. The highest demographic are senior, low-income homeowners. We will continue to work to expand Neighborhood Revitalization to address critical repairs and weatherization.
Habitat for Humanity ReStores are thrift home improvement stores and donation centers that sell new and gently used furniture, building materials, appliances, and home accessories to the public at a fraction of the retail price. Proceeds help build homes and hope in our community. Expansion of our programs is dependent on funding. A priority in 2018 is to increase donations to our stores to help support the growing need.
A strong non-profit has strong, talented leadership. In 2017, our operational development focused on the Board of Directors. New faces were added late in the year and are already making an impact. In 2018 we expect to complete that initiative with a fully engaged team.


Independent Research has been conducted on this organization's theory of change or program effectiveness? No


Habitat is only granted the opportunity to continue its mission when we receive generous gifts of time, talent and treasure from donors and volunteers. We are grateful to all who have helped us throughout the years. No donation is too small to make a difference. While volunteers are a critical component of our program, funding is still required to purchase properties, materials, tools and skilled labor.

Donations of buildable vacant land, existing dwellings, construction materials and tools are welcome. A staff member will work with the donor to ensure the best use of their donation.

Specialty contract work such as electrical, plumbing and HVAC, cannot be done by volunteers. Donations of such skilled labor is a welcome cost savings on any project.

Anyone can support our mission by making a donation to our ReStores. Donations of unwanted household or office items or unused construction materials are accepted and sold in our ReStores. The income produced by the ReStores helps to build more homes in the community.



In November, 1990, in an attempt to assist an elderly woman living in sub-standard conditions, a group of volunteers faced the reality that significant deterioration of Ella Mae’s home rendered it beyond repair. Some suggested tearing down the shack and constructing a new home for Ella Mae, one that she could be proud of and safe in. And so began Habitat for Humanity in Seminole county. Upon contacting Habitat for Humanity International and signing the official Affiliate Agreement, the group of volunteers established themselves as a private, nonprofit 501(c)3 corporation. Articles of Incorporation were filed with the State of Florida on June 4, 1991.

On August 19, 2011, the Apopka and Seminole County Affiliates merged, creating Habitat for Humanity of Seminole County and Greater Apopka. The merger created an affiliate with greater depth and resources needed to increase capacity within the communities.

Today, the organization builds and renovates safe, decent affordable homes in partnership with hardworking, moderate to low-income families in the community. More than 165 homes have been built or renovated and an average of one new home is completed monthly. Families are now living in a safe, affordable home environment. But with more than 45,000 families living in substandard conditions in our community, there is still much work to be done.

The dream of homeownership for these families becomes a reality for working families willing to partner and work with Habitat. We take pride in a program that is a hand up, not a hand out. In addition to monthly mortgage payments, homeowners invest hundreds of hours of their own labor - “sweat equity” - into building their home along with the houses of others. They are also required to attend a series of classes on finance, budgeting, and home maintenance.

Relying on donations from corporations, foundations, churches, community organizations and individuals to build and rehab homes; they are sold to each new homeowner at cost and financed with an interest-free mortgage. These mortgage payments are added to our “Fund for Humanity” and used to build more homes.

Present and future Habitat homeowners can be found working in hospitals, doctor’s offices and assisted living facilities. They are police officers, teachers, child care workers and school bus drivers. They work in customer service in local retail stores and service industries. You will also find them pursuing a degree at one of the local universities, actively involved with their church and coaching community sports teams.

CEO Statement

 In the last quarter of a century, we’ve served more than 170 local families through new construction, home rehabilitations and our repair programs. Or, rather, you have. The foundation of our work rests in the hands of the thousands of volunteers, donors and advocates who have remained steadfast in their belief that everyone deserves a decent place to live. With the completion of Magnolia Place and its 10 new homes, we begin work on several new projects that are part of the most robust pipeline in our organization’s history.

At Habitat, we believe that a home is a stabilizing force for a family. It’s a strong foundation that leaves a legacy of economic stability and opportunity. As we head into this new fiscal year, our focus remains on empowering through shelter. We’ve spent the last year working with local partners and families to build that foundation of homeownership. We have also begun working to increase the value of existing homes through a Neighborhood Revitalization program.

We celebrate those volunteers, donors and advocates, for however long they have been with us and look forward to another 25 years of building strength, stability and self-reliance through shelter.



Board Chair Statement


I believe in what our organization is doing.

Habitat for Humanity in Seminole County & Greater Apopka successfully served 29 people over the last year. From new home construction to rehabs and repairs, these local families and their children now live in safe, affordable homes. The generosity of our corporate partners and donors along with the incredible determination, strength and passion of our executive director and staff made this possible.

We have faced and continue to face a number of challenges in our efforts to provide housing opportunities to our partners. Chief among those challenges are securing the funding necessary to build the homes and the availability of land. While our ReStore operations provide significant funding, generous contributions actually build the homes. As governmental support for organizations such as Habitat continues to decline, the importance of community support becomes more and more critical to our success. Habitat continues to work with local government officials as well as the individual cities within the county. We continue to seek out opportunities for redevelopment of troubled areas; search for foreclosed or problem properties that we can renovate for our partners; and leave no stone unturned in our mission.

Anyone that is willing to spend a few moments learning about Habitat, what we do and who we are, will easily find themselves as amazed at the depth and breadth of this organization as I was and may even find themselves "getting their hands dirty" and loving every minute of it. One of the biggest, and to me the most distinguishable, differences between Habitat and the countless other nonprofits is that our partners are not here for hand outs -- they are here for a hand up, and they work for it. There is a misconception that Habitat provides free housing; the truth is our partners work for their home -- not just on their home but on the homes of other partners as well. When the work is complete, they become homeowners with a mortgage, just like you and I.

Habitat partners truly want to succeed, better themselves and provide a home for their families. There are countless organizations that provide great services to individuals and communities, but I have yet to find one that serves both and does so with such tangible and dramatic results. No words can describe the feeling of seeing a family on the day they get the keys to their new home, a family that has paid their dues and done their time. Such joy is the result of their hard work and commitment as well as yours. In most instances, a donor or supporter of an organization cannot see what their contribution did; with Habitat, it is real. You can see it, touch it and feel it. It will stand for years, and it impacts not only those who live there but the community as a whole.

Rich Tracey, Board Chair


CEO/Executive Director/Board Comments

We accomplished much in the last year and are proud of all of them, but especially so of the community that made it happen. Habitat for Humanity is simply the facilitator. The families served, dreams realized and communities changed only happened because businesses, faith organizations, schools, community groups and individuals came together to break the cycle of poverty.

Aside from the obvious emotional benefits of dedicating a family’s first home, homeownership poses other, more concrete benefits. It helps families build strength, stability and self-reliance. Homeowners are more responsible, active members of society. Children who have a stable home environment are less likely to get involved with crime and more likely to do well in school and achieve their full potential. At Habitat Seminole Apopka, not only do we build homes, but we build lives, and we build communities.

When we can focus our efforts on targeted neighborhoods, our impact is far greater and entire communities are transformed. Overall school performance increases, neighborhoods are safer, social dependency decreases and economic investment increases.

At Habitat Seminole & Greater Apopka, we know that homelessness is simply unacceptable, and a house in an impoverished neighborhood is hardly a home. One family at a time, we seek to break the cycle of poverty and homelessness. Our vision is a world where everyone has a decent and safe place to call home.

NTEE Information
Primary Organization Type Housing, Shelter
Primary Organization SubType Housing Development, Construction & Management
Secondary Organization Type Housing, Shelter
Secondary Organiztion SubType Housing Rehabilitation
Tertiary Organization Type Housing, Shelter
Tertiary Organization SubType Fund Raising & Fund Distribution
Areas Served
Geographic Areas Served
FL - Seminole
Habitat Seminole & Greater Apopka serves:
  • Altamonte Springs
  • Apopka
  • Casselberry
  • Chulouta
  • Lake Mary
  • Longwood
  • Oviedo
  • Sanford
  • Tangerine
  • Winter Springs
  • Zellwood
HelpWhat is the organization aiming to accomplish? This is the organization's ultimate goal for intended impact.

Habitat Seminole-Apopka has the ultimate goal of every citizen having the opportunity to live in a safe, decent, affordable home.  In doing so, we look to both eradicate substandard housing and break the cycle of poverty for future generations.  While we will continue to service all of Seminole County and Apopka, we look to focus our efforts on neighborhoods in Sanford and Apopka.  By focusing our work in specific neighborhoods, we can increase the volume of work through both new homeownership opportunities and owner-occupied rehab.  Increasing our capacity, we can make a positive impact on the financial wellness of those communities.  Increasing homeownership creates safer, stable neighborhoods, which in turn contributes to a thriving school system and community organizations.  Good housing and safe neighborhoods attract economic investment, development and jobs.  An improved standard of living reduces the need for assistance and other costly services.  Collaboration can turn a blighted neighborhood into a thriving community.


HelpWhat are the organization's strategies for its stated long-term goals?

 Continue to advocate at the local, state and national level for programs that support affordable housing, stressing the need and benefits to the community.
Work to increase partnerships with individuals, corporations, faith organizations, community groups, government agencies and other non-profits, which have a shared interest in affordable housing and self-sufficiency. An increased presence in the community will support those efforts. Increasing those partnerships will support our effort and need to diversify and balance our fundraising efforts.

Work closely with local government and community groups to target specific neighborhoods for development. Look for other non-profits in those neighborhoods for collaboration to increase effectiveness.

These efforts will allow us to grow capacity to serve the most vulnerable citizens in our community and leverage shelter as a catalyst for change and increase access to shelter for all members of our community. We seek to be part of the solution to poverty and homelessness right here at home.

HelpWhat are the organization’s capabilities for doing this? What resources, capacities, and connections support its progress towards long-term goals?

As an affiliate of Habitat for Humanity International, we have access to resources, experience and expertise to successfully drive our mission.  With more than 25 years in the Seminole Apopka community, we have solid relationships and have developed a staff, Board of Directors and team of volunteers that bring diverse skills and experience to the organization.  We have the programs and processes to focus on increasing our capacity and diversifying our product.

Funding our mission through our ReStores, individual gifts, government grants, collaborations, and increased volunteer support will enable us to serve more families and create more affordable housing. Currently we are a collaborative partner with Orange County,  Homes in Partnership, Habitat for Humanity of Greater Orlando, Pathways to Home and Seminole County’s Community Conversation on Homelessness. We have a strong and successful relationship with AmeriCorp which contributes to the capacity building effort.

HelpHow will the organization know if it is making progress? What are the key qualitative and quantitative indicators against which the organization assesses its progress toward its intended impact?


Our database software allows us to track our donors and volunteers more effectively. Increased reporting capability provides us with the needed tools to compare the data on a regular basis. With a wide variety of businesses, organizations and individuals touched by members of our affiliate on a daily basis, the database gives staff the ability to track what relationships are in place and evaluate how and where contact and development is needed. The increase in house production through rehabs, new construction and critical repairs is the predominant indicator of our success.

Since 2011, our capacity has increased by 61% and economic impact increased from $3.4 million to over $67.5 million.  66 families have become homeowners and 51 existing homeowner have been served through Neighborhood Revitalization.

While this is significant information, we are working to develop the tools and resources to take a closer look at the long term impact on the families and neighbors we serve. In 2016, we developed a survey of our homeowners to gather information to assess their success annually. The results are very positive. With no obligation to respond, we saw 48% of the surveys returned with 99% noting a positive change in their family life and economic stability. Each year we continue to refine the survey to gather the most pertinent information.

HelpWhat has and hasn’t been accomplished so far?

 A talented, core staff is in place and is complimented by a dedicated Board of Directors. While increasing our construction capacity, we have also been focusing on internal capacity, making sure the tools and talent are in place to not only to increase our capacity but to sustain the affiliate long-term. Utilization of the AmeriCorps program with one member serving with us this year provides additional staffing to assist with construction and Neighborhood Revitalization.  Interns from local university are making a significant contribution in administrative operations.

Internally, our focus is to develop and engage a solid base of individual donors to create a well-balanced source of funds. A focus on monthly individual giving saw the launch of the Builders Circle add 23 donors.

The Women Build program continues to increase in participation and fundraising  with donations in our 4th year exceeding $152k.

Raise the Roof, an annual fundraising event was launched in 2016 with attendance goals met and fundraising goal exceeded by 22%.  Despite challenges created by a major hurricane, the 2017 event was a success.


Habitat seeks to partner with very low- to moderate income residents of Seminole County & Greater Apopka to build and renovate safe, decent, affordable housing. We fulfill our mission through two avenues: home construction and home rehabilitation. A recent focus on rehab projects has allowed us to take blighted and foreclosed properties and place them back on the tax rolls. This not only eases the burden of maintenance by the community but improves surrounding property values


Population Served At-Risk Populations
Long Term SuccessHelpOrganizations describe the ultimate change(s) that will result from this program. This may be far into the future and represent an ideal state.
Habitat Seminole & Greater Apopka has succeeded in providing more than 170 families with affordable, safe and decent housing.
Examples of SuccessHelpOrganization's site specific examples of changes in clients' behaviors or testimonies of client's changes to demonstrate program success.
For FY 2014-2015, Habitat Seminole & Greater Apopka served 22 families through our home construction/rehabilitation program.
Habitat of Seminole Apopka has added Neighborhood Revitalization in response to the critical need in low income neighborhoods in our community. Habitat’s decades of work illustrate that individuals and families thrive when they have a safe and stable home in a safe and stable community. Participating in community development efforts allows us to fully embrace our mission - it’s not just homes we are building, we’re building lasting communities.
The program began by identifying lower income neighborhoods for exterior clean-up.  After qualifying & working with more than 50 families, Habitat has moved on to the next phase and added minor repairs; with weatherization to be added within 2 years.
Population Served Families
Long Term SuccessHelpOrganizations describe the ultimate change(s) that will result from this program. This may be far into the future and represent an ideal state.

Neighborhood revitalization is fueled by a vision of strong and empowered residents taking a central leadership role and having the preeminent voice in directing and leading efforts to transform their community. We also work to bring in other neighborhood partners to support these leaders.

Habitat for Humanity is not the architect of neighborhood revitalization in any given neighborhood. Instead, our work is tailored to the aspirations and dreams of residents who take on leadership roles in their neighborhood’s renewal. By ceding the leadership role to residents, while supporting, serving and seeking ways to build capacity, Habitat ensures the work will be sustainable over time without making the neighborhood dependent on just one nonprofit organization.

Program Success Monitored ByHelpOrganizations describe the tools used to measure or track program impact.
Increased real estate values and lower crime rates
Community groups established to promote the social and economic health of the neighborhood

Habitat represents a hand up – NOT a handout – for partner families. Potential partners must have a housing need, the ability to pay and the willingness to partner in order to qualify for the program. As part of their 200-hour sweat equity requirement, each adult participant completes courses in budgeting as well as home maintenance to gain the “tools for success” once they become homeowners.

Population Served General/Unspecified
Program Success Monitored ByHelpOrganizations describe the tools used to measure or track program impact.
Tracking/monitoring of mortgage payments.
Annual surveys. 
Examples of SuccessHelpOrganization's site specific examples of changes in clients' behaviors or testimonies of client's changes to demonstrate program success. Homeowners who have paid off their mortgage and now own a valuable asset.

The Women Build program helps boost Habitat’s volunteer ranks. Through training clinics and on-site building, Women Build volunteers gain the confidence and skills needed to effectively contribute to Habitat’s mission. It is not about excluding men, but about including women and serving more families. The program creates a comfortable environment for women to gain the skills that empower them to pound nails, frame walls, raise roofs and create hope.  Partnering with Lowes, clinics are provided to teach basic to advanced construction safety and skills.

Population Served
Long Term SuccessHelpOrganizations describe the ultimate change(s) that will result from this program. This may be far into the future and represent an ideal state. The Women Build program will grow into a group of empowered, influential women who network and support each other as they come together to build a house annually.
Program Success Monitored ByHelpOrganizations describe the tools used to measure or track program impact.
Interest generated.
Rate of returning members
Examples of SuccessHelpOrganization's site specific examples of changes in clients' behaviors or testimonies of client's changes to demonstrate program success. Now in its third year, the program has grown from a group of 40 to over 100 with a waiting list for clinic participation.
CEO Comments

Food, clothing and shelter. This is the most basic set of needs that must be met in order for a human being to continue life. However, in order to thrive – to live and grow vigorously and healthily – one must attain stability, and a stable home environment allows for such growth and prosperity. But for many Seminole County & Greater Apopka residents, the idea of home is fragile, abstract and unattainable. At Habitat Seminole & Greater Apopka, we seek to solve this problem by partnering with deserving families and individuals to help them attain the dream of homeownership.

While we have become accustomed to thinking of the poor as economically idle, nearly half of people in this category are working. But, according to Habitat International, there is no county in the U.S. in which a full-time minimum wage worker can afford a one-bedroom apartment. According to the Florida Housing Data Clearinghouse, 25% of Seminole County’s households are cost-burdened – they spend 30 percent or more of their income on their housing. Of these 25%, 10% spends 50% or more of their income on housing.  More frightening is that 65% of single female households live below the poverty level.

In a report by the National Association of Realtors, research has consistently correlated homeownership with long-term financial as well as substantial social benefits. At Habitat Seminole & Greater Apopka, we form partnerships with hardworking individuals and families, so they may realize these benefits.

We view our work as successful when it transforms lives and promotes positive and lasting social and economic change within a community; when it is based on mutual trust and fully shared accomplishment; and when it demonstrates responsible stewardship of all resources entrusted to us.

Board Chair
Board Chair Mr. William Finfrock
Company Affiliation Finfrock
Term July 2017 to June 2018
Board Co-Chair
Board Co-Chair
Board Members
NameCompany AffiliationsStatusCertificate*
Cheryl Anthony DisneyVotingNo
Anthony Aramendia City of CasselberryVotingNo
Mr. Robert Dallari Seminole County CommissionerVoting
Mr Michael Dodane MiGre EngineeringVoting
Stephen Fehr Jewett OrthopaedicVotingNo
Mr. Bill Finfrock Finfrock Industries, Inc.VotingNo
Mr. David Johnson Seminole CountyVoting
Appy Nahar Rollins MBA StudentVotingNo
Ms. Susan Rich Iberia BankVoting
Mr. Rich Tracey Capital Development GroupVoting
Todd Williams Farmers InsuranceVotingNo
Michele Zahn Prospect Construction & Development GroupVotingNo
*This individual has been awarded a Certificate in Orientation to Board Service by the Edyth Bush Institute for Philanthropy & Nonprofit Leadership at Rollins College ebi.rollins.edu,
Board Term Lengths 4
Board Term Limits 2
Board Ethnicity
Asian American/Pacific Islander 0
Caucasian 9
Hispanic/Latino 1
Native American/American Indian 0
Other 0
Other (if specified) 1 Middle Eastern
Written Board Selection Criteria Yes
Written Conflict of Interest Policy Yes
Percentage of Monetary Contributions 100%
Percentage of In-Kind Contributions 100%
Constituency Includes Client Representation Yes
Standing Committees
Standing Committees
Committee Name
CEO Comments

Merging the operations of two separate affiliates just a few years ago has been a challenging task. It goes beyond merging internal operations, but is in reality merging the needs, ideals and commitments of the communities we serve. Solid relationships are being built as is evidenced by our growth since the merger. While that continues, our focus is turning inward once again by creating and documenting the process and procedures needed to create a sustainable organization.

A Capacity Building Grant from Habitat for Humanity International provides us access to a consultant who is assisting us with our Strategic and accompanying Fundraising Plans. It has been an exciting journey and the groundwork is already being laid for an equally exciting future for this ambitious affiliate. A talented, core staff is in place that will lead the way.

We appreciate the support of our donors as we continue on that path.

CEO/Executive Director
CEO/Executive Director Penny Seater
Term Start July 2009
Email pseater@habitats-sa.org
In Leukemia & Lymphoma Society (Campaign Manager), American Lung Association (Development Director), Cystic Fibrosis Foundation (Executive Director)
CEO Salary Range $75,001 - $100,000
Number of Full Time Staff 23
Number of Part Time Staff 9
Number of Volunteers 1380
Number of Contract Staff 1
Staff Retention Rate 95%
Senior Staff
Title Family Services Director
Title Resource Director
Organization has Fundraising Plan? Yes
Organization has Strategic Plan? Yes
Years Strategic Plan Considers 5
Date Strategic Plan Adopted Sept 2016
Management Succession Plan Yes
Organization Policies And Procedures Yes

We seek to partner with organizations that provide expertise, access to services, enhance our programs, support our families, reduce our costs and expand our services and mission.  They include AmeriCorp, Annunciation Catholic Church, Bank of America, Central Florida Commission Homelessness, CHASE Bank, Citizens Bank of Florida, City of Casselberry, City of Sanford, Fifth Third Bank, Habitat for Humanity Florida, Habitat for Humanity International, Pathways to HOME, Recovery House, Seminole County, Seminole County Housing Authority, St. Mary Magdalen, Wells Fargo N.A, Homes in Partnership, Habitat for Humanity Orlando, City of Apopka, Orange County, City of Longwood

AwardAwarding OrganizationYear
Non-Profit Award and Small Business of the Year Award for 2013Seminole County Regional Chamber of Commerce2013
Audrey Nelson Community Development Achievement AwardNational Community Development Association2016
Risk Management Provisions
Risk Management Provisions
Workers Compensation and Employers' Liability
CEO Comments

 The growth of our affiliate has been a challenging process and we are excited about the future. This year we completed our second townhome project. Magnolia Place, a ten unit development, started and abandoned in 2008 by a developer in Longwood. Conveniently located just a few blocks from the SunRail Station, the project not only provides affordable housing for 10 families but has improved a neighborhood threatened by blight.

In Spring 2018, we will begin work on a large development in Apopka. 9 years ago, low-income apartments in Apopka were demolished with the intent of developing the property for single homes. In order to expedite the construction of the homes, Habitat Seminole Apopka reached out to Habitat Orlando to partner on the project; making this project the first time 2 Habitat affiliates have worked together on a single project. Taking approximately 3 years, at completion 58 single homes will be provided for low-income families.

We continue to develop and expand the Neighborhood Revitalization program. Having served more than 50 families, Habitat is adding minor repairs to the program with weatherization to be added in the near future.

Nothing can happen without sufficient funding. Currently, our two ReStores contribute significant revenue to our construction projects. In order to continue a steady stream of donations, both staff and the Board of Directors are dedicated to that goal, focusing on diversification in our funding, especially in the area of individual donors.

Lastly, we will continue to focus on the internal process, procedures and resources needed to help us meet the needs of the communities we serve.



State Registration Yes
State Charitable Solicitations Permit Yes
State Charitable Solicitations Permit Expiration Month Apr
State Charitable Solicitations Permit Expiration Year 2018
Fiscal Year
Fiscal Year Start July 01, 2017
Fiscal Year End June 30, 2018
Form 990s
2012990 signed
2011990 Part 1
2011990 Part 2
2010990 part 1
2010990 part 2
2009Form 990
IRS Letter of Determination
IRS Letter of Determination
Detailed Financials
Revenue SourcesHelpThe financial analysis involves a comparison of the IRS Form 990 and the audit report (when available) and revenue sources may not sum to total based on reconciliation differences. Revenue from foundations and corporations may include individual contributions when not itemized separately.
Fiscal Year201720162015
Foundation and
Corporation Contributions
Government Contributions$0$60$6,311
Individual Contributions$357,183$443,186$564,311
Investment Income, Net of Losses$0$0$0
Membership Dues$0$0$0
Special Events$184,608$62,857$0
Revenue In-Kind$1,097,230$1,490,605$3,884
Expense Allocations
Fiscal Year201720162015
Program Expense$2,285,416$2,970,806$2,954,811
Administration Expense$331,962$414,799$410,225
Fundraising Expense$222,764$240,796$224,441
Payments to Affiliates$0$0$0
Total Revenue/Total Expenses1.151.071.19
Program Expense/Total Expenses80%82%82%
Fundraising Expense/Contributed Revenue17%24%20%
Assets and Liabilities
Fiscal Year201720162015
Total Assets$6,552,126$6,255,803$6,247,603
Current Assets$5,089,361$4,888,414$4,038,457
Long-Term Liabilities$352,102$281,627$485,969
Current Liabilities$331,288$438,839$587,045
Total Net Assets$5,868,736$5,435,337$5,174,589
Top Funding Sources
Fiscal Year201720162015
Top Funding Source & Dollar AmountIn-Kind $1,097,230In-Kind $1,490,605Indivuduals $564,311
Second Highest Funding Source & Dollar AmountEarned Revenue $811,190Earned Revenue $1,375,323Foundations & Corporations $533,000
Third Highest Funding Source & Dollar AmountFoundation and Corporation $800,249Foundations and Corporations $482,476Earned $3,147,236
Short Term Solvency
Fiscal Year201720162015
Current Ratio: Current Assets/Current Liabilities15.3611.146.88
Long Term Solvency
Fiscal Year201720162015
Long-Term Liabilities/Total Assets5%5%8%
Capital Campaign
Currently in a Capital Campaign? No
CEO Comments

The official mission of Habitat for Humanity is to build and sell safe, decent affordable housing with families in need. The social impact is well known and anyone can see the legacy this organization has on affordable housing stock and the lives of program participants. However, in addition to the physical and emotional effects, there is also a substantial economic impact that reaches across the entire community. The more extensive menu of economic benefits is not as easily grasped. Each hand, nail, and two-by-four that is put to work by Habitat creates ripple effects throughout the local economies. Habitat represents not only a worthy charitable endeavor; it is also a multi-million dollar enterprise with real impacts on our economy.

The impact of this spending is far reaching and results in a much larger impact on the local economy once ripple or multiplier effects of money circulating in the economy are taken into account. Organizations pay their employees, purchase supplies, contract for services, and acquire assets within their communities. These actions, in turn, support local jobs, create household income, and generate revenues.

Habitat for Humanity of Seminole County and Greater Apopka conservatively estimates that each new homeownership opportunity provides an average of $800k in funds going back into the local economy for the first year. That’s $4.58 for every dollar spent.

This economic contribution includes funds spent on construction, support services, job creation and the value of volunteer investment. It then adds the contribution of the new tax base from the homes built and their assessed value, which also increases the value of the surrounding properties. Lastly, the average Habitat homeowner in our community saves $487/month when moving from a rental to a mortgage, freeing up income to spend in the community for critical needs like better food, healthcare and clothing. More importantly is the ongoing impact of each new home created as they continue to generate tax revenue and move families and future generations away from poverty and social dependency.

This number is significant and important for the community’s economy, but pales in comparison to the vast array of less quantifiable economic impacts from Habitat operations. The tangible benefits from home equity, no-cost financing, and financial literacy provided to homeowners create positive spillovers throughout the community.



Foundation Comments
Financial figures taken from IRS form 990s.  990s and audits are reconciled.
Endowment is held at the Central Florida Foundation.
Voluntary Organizations Active in Disaster
Notes Programs listed here are those that are only activated during a disaster. Some organizations have unified budgeting and do not budget by program. Because of this, some budget fields may be blank or represent an approximation. Organization describes previous experience during the immediate response, recovery or rebuilding phases following a disaster.
Nonprofit Habitat for Humanity of Seminole County & Greater Apopka, FL, Inc.
Address PO BOX 181010
Casselberry, FL 327181010
Primary Phone (407) 696-5855
Contact Email home@habitat-sa.org
CEO/Executive Director Penny Seater
Board Chair Mr. William Finfrock
Board Chair Company Affiliation Finfrock
Year of Incorporation 1991