Housings and Evictions
Pause on Evictions in Monroe County
On March 24, 2020, the Florida State Supreme Court, through Administrative Order SC20-17 that suspends the Clerk’s ability to issue writs of possession, as well as, Administrative Order SC20-15 that closes the courts to non-essential proceedings. Governor DeSantis extended his previous ban of evictions due to non-payment of rent in Executive Order 20-121 and Executive Order 20-137 through July 1, 2020. This may provide time for renters and landlords to work out payment arrangements as this situation continues to unfold.
Rent Payment Relief from Evictions
The new federal legislation (the CARES Act) that was just signed into law on March 27, 2020 created a federal moratorium from March 27, 2020 through July 24, 2020 prohibiting new evictions for nonpayment of rent, in those properties covered by a federally backed mortgage (FHA, Fannie Mae, Freddie Mac, HUD, etc.)
It is important to note that although this applies to nearly 80% of properties, not all properties are covered by this law.
You should be in immediate contact with your landlord to let them know your current situation and to understand what options they have put in place to assist renters who are impacted by the COVID-19 shutdown.
Mortgage Payment Relief
The CARES Act also provides a moratorium on mortgage foreclosures from March 18, 2020 through June 30th, 2020 for single-family properties covered by federally-backed mortgages.
If you are facing a late mortgage payment due to job loss, you should immediately contact your servicer/lender to understand what your options are for deferring payments as needed. You will find the contact information on your monthly statement, your online account, or on their website.
As the state of emergency continues through the next few months, we would encourage private owners of rental properties without FHA, Fannie Mae, Freddie Mac or other federally funded mortgages to check with their mortgage lenders to see if they might receive a forbearance of mortgage payments that would allow the renter in the unit to continue to stay while they work out getting the disaster relief funding.
Here is a summary of banks and their offers of support on their products, credit cards, loans, mortgages, etc.: https://www.bankrate.com/banking/coronavirus-list-of-banks-offering-help-to-customers-financial-hardship/
Impacted Housing in Monroe County
The following is a list of government-assisted housing in Monroe County as administered by the Florida Housing Finance Corporation. These developments will generally meet the “covered” property rule but may have had changes in financial structure since their initial openings. All renters should contact their current landlord for the most current information.
311 73rd Street Ocean
400 County Road
Big Pine Key
5455 MacDonald Avenue
Blue Water Workforce Housing
100 Burton Drive
751 73rd Street Ocean
Cayo Del Mar
5501 3rd Avenue
800 Emma Street
240 Sombrero Beach Rd.
5300 MacDonald Avenue
215 Amelia St
Mariner’s Cove - Key West
3330 Northside Drive
6701 Shrimp Road
Paradise Point Senior Housing
4 North Blackwater Lane
1341 McCarthy Lane
10 Betty Rose Drive
NW of Riviera Drive & Puerta Drive
Big Coppitt Island
7159 Overseas Highway
Sea Grape II
7159 Overseas Highway
100 Hammock Trail
260 41st Street
81101 Overseas Highway
Keys Overnight Temporary Shelter
Keys Overnight Temporary Shelter has been expanded and is now in a 24-hour operation. Tents have been installed, spreading out the facility’s footprint, and allowing for social distancing for this particularly vulnerable population. SOS will be providing breakfasts, SHAL will be providing lunches and St Mary’s Soup Kitchen will provide dinners for those staying at KOTS.