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St. Joseph County Housing Consortium <br />General Questions <br />i. Describe the geographic areas of the jurisdiction (including areas of low <br />income families and/or racial/minority concentration) in which assistance will <br />be directed. <br />2. Describe the basis for allocating investments geographically within the <br />jurisdiction (or within the EMSA for HOPWA) (91.215(a)(i)) and the basis for <br />assigning the priority (including the relative priority, where required) given to <br />each category of priority needs (91.215(a)(2)). Where appropriate, the <br />jurisdiction should estimate the percentage of funds the jurisdiction plans to <br />dedicate to target areas. <br />3. Identify any obstacles to meeting underserved needs (91.215(a)(3)). <br />South Bend <br />While funds will be directed to many places across the City, they will be targeted to the <br />Near Northwest Side (Census Tract 6), Near West Side (Census Tracts 19, 20, and 21), and <br />the Northeast Side (Census Tract 10). (See map below for Census Tract locations.) These <br />neighborhoods show relatively low incomes and high concentrations of poverty, high rates <br />of residential vacancy and abandonment, and a high incidence of sub-prime loans. The <br />target areas, adjacent to downtown, are also areas that have begun to see some <br />redevelopment activity, have greater market potential, and have been areas of focus by <br />local nonprofit housing organizations. An estimated minimum of 45% of HCD Plan-related <br />funds allocated to South Bend will be devoted to these three target areas. <br />The City of South Bend submitted an application for designation of a Neighborhood <br />Revitalization Strategy Area (NRSA) for Census Tracts 19 and ZO with its 2009 HCD Action <br />Plan. The NRSA is primarily a residential area located just west of downtown. Generally <br />speaking, the NRSA is bounded by Lincoln Way West on the north, William Street on the <br />east, the Norfolk Southern Railroad on the south and Walnut Street on the west. This area <br />was selected given its vacant lots, demolitions, absentee landlords, rental properties, lack of <br />a neighborhood school, large elderly population, and property maintenance issues. <br />However, this area is assisting in addressing these problems given the following resources: <br />many concerned citizens, the history of the neighborhood, affordable housing, churches, <br />small businesses, police presence, the Colfax Cultural Center, the Charles Martin Youth <br />Center. the proposed Kroc Center (to be built at the corner of Western Avenue and Chapin <br />Street), the redevelopment of the Hansel Center in partnership with the University of Notre <br />Dame, the redevelopment of the former Engman Natatorium in partnership with Indiana <br />University South Bend, and existing home improvement programs. The application for the <br />NRSA was approved in July with a term that will run from 2009 to 2013 with the possibility <br />of extensions. The City has proposed CDBG funding for demolition and NSP funds for <br />housing rehabilitation, along with new construction in partnership with Neighborhood <br />Development Associates, LLC (NDA), a private housing development consultant firm, and <br />South Bend Heritage Foundation, Inc., a CBDO. The NDA will use CDBG funds as leverage <br />to apply for a low income tax credit project to further invest in, and complement, the area. <br />Additionally, the City of South Bend made a policy decision to shift resources from public <br />services to physical improvements/neighborhood revitalization activities effective with the <br />2007 program year. Given the significant vacant property issues and the desire to more <br />substantially advance efforts towards physical change in neighborhoods, the priority shifted <br />2010-2014 Housing and Community Development Plan 9 <br />