HABITAT FOR HUMANITY OF SEMINOLE C… - Form 990 Financial Data

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Financial Vulnerability Assessment (Tuckman-Chang)

4 risk indicators measuring financial stability and operational resilience

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Financial Trends

Organization Details

Formation Year

1991

Legal Domicile

Principal Officer

PENNY SEATER

Phone

4076965855

Tax Period

2024-07-01 to 2025-06-30

HABITAT FOR HUMANITY OF SEMINOLE CO & GREATER APOPKA FLORIDA INC, founded in 1991, is a community nonprofit in the Housing & Shelter sector that reported $9.5M in total revenue in fiscal year 2024. Revenue surged 48% from the prior year, signaling strong growth momentum.

Mission

CREATE AFFORDABLE HOUSING BY BRINGING PEOPLE TOGETHER TO BUILD HOMES, COMMUNITIES AND HOPE.

Program Service Accomplishments

Program 1

Expenses: $9,456,085

SINCE OUR INCEPTION IN 1991 AND IN PARTNERSHIP WITH OUR COMMUNITY, HABITAT SEMINOLE-APOPKA HAS BUILT AND RENOVATED OVER 250 HOMES. THESE ARE MOSTLY SINGLE-FAMILY AND TOWNHOMES. INDIVIDUALS...

SINCE OUR INCEPTION IN 1991 AND IN PARTNERSHIP WITH OUR COMMUNITY, HABITAT SEMINOLE-APOPKA HAS BUILT AND RENOVATED OVER 250 HOMES. THESE ARE MOSTLY SINGLE-FAMILY AND TOWNHOMES. INDIVIDUALS, FOUNDATIONS, CORPORATIONS, FAITH ORGANIZATIONS, GOVERNMENT, AND CIVIC GROUPS PROVIDE GENEROUS GIFTS TO ADDRESS THE AFFORDABLE HOUSING CRISIS AND GIVE POSSIBILITIES TO FAMILIES STRUGGLING FINANCIALLY AND WANTING A BETTER LIFE. TOGETHER WE HELP BREAK A CYCLE OF POVERTY AND CREATE GENERATIONAL WEALTH WITH OUR NEIGHBORS IN NEED. IN ADDITION TO GENEROUS GIFTS, RESOURCES, LAND, AND TALENT, 661 UNIQUE VOLUNTEERS PROVIDED OVER 8,000 HOURS OF THEIR TIME LAST YEAR.

Program 2

Expenses: $417,283

OUR HOME BUYING PROGRAM HAS A LOW FORECLOSURE RATE DUE TO THE ROBUST CLASSES OUR CLIENTS MUST TAKE TO PREPARE THEM FOR LONG-TERM, SUCCESSFUL HOMEOWNERSHIP. IN ADDITION, WE OFFER FREE COURSES TO THE PARTICIPANTS AND ARE OPEN TO ANYONE IN OUR COMMUNITY INTERESTED IN OUR HABITAT FINANCIAL ACADEMY. OUR MANDATORY CLASSES TAKE THE WHOLE PERSON APPROACH, AND THE CURRICULUM INCLUDES BUDGETING, PLANNING AND SAVING FOR FUTURE REPAIRS, INCREASING SAVING, HOME MAINTENANCE, CIVIC ENGAGEMENT, WILLS AND TRUSTS, PREDATORY LENDING, MENTAL AND PHYSICAL HEALTH, NUTRITION, AND OTHER PRACTICAL TOPICS.

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Trantor Score

Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency

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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2024)

Revenue Breakdown

Contributions & Grants $4,328,063

Program Service Revenue $4,947,635

Investment Income $84,608

Other Revenue $152,883

TOTAL REVENUE $9,513,189

Expense Breakdown

Grants Paid $0

Salaries & Benefits $1,158,757

Fundraising Expenses $157,788

Program Expenses $9,873,368

Other Expenses $9,260,829

TOTAL EXPENSES $10,419,586

Year-over-Year Comparison

	2024	2023	Change
Revenue	$9,513,189	$6,437,692	+0.5%
Expenses	$10,419,586	$6,432,775	+0.6%
Net Income	$-906,397	$4,917	-185.3%

Key Indicators

✗ Grants to Organizations ✗ Grants to Individuals ✗ Lobbying ✗ Political Activity ✗ Foreign Activities ✗ Donor Advised Fund ✓ Schedule B Required

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Financial Health Indicators

Comprehensive financial analysis: Altman Z-Score, liquidity, solvency, sustainability, efficiency, and growth metrics

Financial Distress Indicator

Liquidity & Cash Position

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Altman Z-Score • Liquidity Ratios • Solvency Analysis • Growth Indicators • Efficiency Metrics

Governance

Voting Members

Independent Members

Employees

Volunteers

585

Governance Policies

✓ Conflict of Interest Policy

✓ Whistleblower Policy

✓ Document Retention Policy

Special Practices & Reported Activities

✗ Operated a School

✗ Operated a Hospital

✗ Provided First Class Travel

✗ Reported Conflict of Interest

✗ Reported Asset Diversion

✗ Excess Benefit Transaction

✗ Made Political Expenditures

✗ Engaged in Lobbying

✗ Operated Donor Advised Fund

✗ Maintained Art Collections

✗ Filed Form 720

Compensation of Officers, Directors & Key Employees

Total Officers

$184,508

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
ANTHONY ARAMEDIA	DIRECTOR	3.00	Director	$0	$0	$0
CHARLES ELLERT	TREASURER	3.00	Officer Director	$0	$0	$0
SEAN FLANAGAN	DIRECTOR	3.00	Director	$0	$0	$0
DAVID JOHNSON	CHAIR	3.00	Officer Director	$0	$0	$0
CHANDRA JONES	DIRECTOR	3.00	Director	$0	$0	$0
REGGIE WALLACE	DIRECTOR	3.00	Director	$0	$0	$0
AISHA REECE	DIRECTOR	3.00	Director	$0	$0	$0
SUSAN RICH	PAST CHAIR	3.00	Officer Director	$0	$0	$0
RICH TRACEY	CHAIR EMERITUS	3.00	Officer Director	$0	$0	$0
JEANETTE SCHREIBER	VICE CHAIR	3.00	Officer Director	$0	$0	$0
RON SHAW	DIRECTOR	3.00	Director	$0	$0	$0
BARRETT SPRAY	SECRETARY	3.00	Officer Director	$0	$0	$0
SHANDA LEE	AT LARGE DIRECTOR	3.00	Director	$0	$0	$0
SUZANNE WEINSTEIN	DIRECTOR	3.00	Director	$0	$0	$0
PENNY SEATER	CEO	40.00	Officer	$136,789	$47,719	$184,508

Note: Compensation data is self-reported by the organization on their Form 990. "Reportable Comp" includes salary, bonuses, and other reportable compensation from the organization and related organizations. "Other Comp" includes benefits, deferred compensation, and non-taxable benefits.

Historical Data

Year	Revenue	Expenses	Assets	Net Income
2025	$9,513,189	$10,419,586	$12,738,385	$-906,397
2024	$6,437,692	$6,432,775	$14,742,943	$4,917
2024	$6,437,692	$6,432,775	$14,742,943	$4,917
2023	$5,914,283	$5,119,544	$12,730,741	$794,739
2022	$7,434,187	$3,048,504	$11,777,180	$4,385,683
2021	$3,736,480	$3,450,606	$8,000,279	$285,874
2020	$3,356,267	$3,414,490	$7,768,620	$-58,223
2019	$3,491,661	$3,088,572	$8,030,724	$403,089

HABITAT FOR HUMANITY OF SEMINOLE CO & GREATER APOPKA FLORIDA INC