Haur|y
Rate
upe ndmt
Engineer
FIN P8
CITY OF CALISTOGA CALIFORNIA
BOOK OF FEES
$187
$128
$207
$166
$128
$187
$187
$187
$136
$136
$113
$99
$105 $87
$95
$114
DATE ACTION
by ance Department gg of
Emplovee Classifications
Administrative Services Director
Associate CivilEngineer
Building Official
Citv Clerk
Deputy Public Works Director
Fire Chief
Lieutenant
Maintenance 8 rinte :7 Planning and Building Director
Police Chief
Public Works Director/CitvEngineer
Recreation Director
Senior Civil Engineer
Senior Planner/Assistant to CivilManager
UtilitvSvstems Superintendent
CALPERS NOTALLOWEDINOVERTIME
RATE
Accounting Assistant
AdministrativeServices Technician
Associate Planner
Chief Plant Operator
Community Services Officer
Dispatch Supervisor
Dispatcher
Fire Captain
Fire
Fire Fighter
Maintenance Technician I
Maintenance Technician II
Permit Technician
Plant Operator l
Plant Operator ll
Police Officer
Recreation Coordinator
Senior Accounting Assistant
Senior Maintenance Technician
Senior Plant Operator
Sergeant
HISTORY:
$126
$141
$152
$219
$134
$86
$120
$129
$108
$99
$93
$89
$94
$98
$106
$117
$89
$92
$105
$80
$137
Overtime
Rate
$69
$80
$123
$85
$99
$85
$80
$72
$72
$80
$82
$91
$102
$1 08
$70
$77
$93
$70
$127
Item #8.1.
ption ority
Fee Schedul
operating
Urba
fees
mers (CP
HEW reve
of ea
udget
CITY OF CALISTOGA CALIFORNI
A
Descri Auth Effective Date
PLANNINGSERVICE FEES
8 A. PLANNINGSERVICE FEES
The purpose of this fee is to cover all costs incurred by the City for processing, reviewing and drafting all kinds of major development related documents. These costs include, but are not limitedto, attorney, engineering, environmental, planning, and financial costs.
Moreover, these costs may result from the work of employees or independent contractors and consultants to the City.
City staff hourly fees cover costs for direct labor, maintenance and operation, and overhead. Rates are determined from time to time by the City's work order system. Rates as of the date of the current authority are included in the Citywide Fee Reimbursement schedule.
Pass—through fees cover costs for specific out~of—pocketcosts incurred by the City on behalf of an applicant. The initialdeposit shall be the amount shown on the Planning Commission fee schedule or as set forth below. This deposit shall be supplemented by the applicant as needed to maintain a positive fund balance. No work willbe undertaken on a project application with a negative fund balance. Any funds advanced by an applicant which are not expended willbe refunded after final project approval.
A Reimbursement Agreement, when required, must be signed priorto an application being deemed complete. After an environmentaldetermination has been made, the applicant will be given an estimated budget and time schedule for processing of the application. A revised estimated budget will be provided to the applicant ifin the review process it becomes clear that the initialbudget willbe inadequate.
A technology fee shall be charged as an additional permit fee for all planning applications involving Zoning Administrator review. The amount of the fee shall be 8% of the fee/deposit charged as identified in the above sections. The fee shall be used for entitlement document scanning costs, city’s E-Government and Information Systems) programs, along with their and maintenance costs
The City shall pass through all the fees related to outside contractors. consultants, B attorneys etc.to the project applicants. The City shall add an administrative fee of 15% to the invoices from the outside vendors to recover the costs related to managing consultants, processing accounts payable functions and providing general oversight support to the vendors working on development projects.
C ANNUALESCALATORANDADJUSTMENTS
The fees willupdate each year based on the change in the Consumer Price Indexfor Al l n Consu l-U) for 12 months ending on January 31 ch year. The updat and the nues willbe included in the proposed b to offset the costs providing services. The fees shall also be adjusted ifthere are any other changes to the approved labor agreements, salary adjustments and other compensation approved by the C Council
Administered by Finance Department Page 1 of 3
Item #8.1.
Applicati
—ti
CITY OF CALISTOGA CALIFORNIA
BOOK OF FEES
on Type Current Deposit*
Fee Hourly
Rate
(Fiscal
Year
2023)
D Developer Deposit Accounts:
“Developer deposit accounts (DDA)" are used to recover costs for processing more- complicated applications. Staff estimates the number of hours of staff time that will be required to process the applications by task, such as meetings with the applicant and their representative(s); reviewing the application for completeness; coordinating the review of other agencies; preparing environmental documentation, public notices, reports, resolutions, and ordinances; attending public meetings and following up on application approvals. This number of estimated hours is then multipliedby the hourly staff cost and becomes the deposit required to accompany an entitlement app ication New
Fee
Appeal of administrative decision to Planning $150 $145 $1,000 $870 Commission
Appeal of Planning Commission decision to City $200 $145 $2,000 $1 ,74O Council
Certificate of Compliance $500 $145 $870
Conceptual Review, Planning Commission $145 $2,000 $1,740 Design Review, administrative review $850 $145 $2,000 $1,740 Design Review, administrative review —— amendment $100 $145 $1,000 $580 Design Review, administrativereview me extension $100 $145 $1,000 $580 Design Review, Planning Commission review $145 $4,000 $3,480 Design Review, Planning Commission review - $145 $1,000 $870 amendment
Design Review, Planning Commission review - time $500 $145 $1,000 $870 extension
Development Agreement $145 $25,000 $17,400
Environmental Analysis, InitialStudy $145 $2,500 $5,800 EnvironnementalAnalysais, Environnemental impact $145 $10,000 $8,700 22::-tan Plan Amendment $145 $1,500 $10,440
General Plan Consistency Determination $500 $145 $1,160 Growth Management Allocation $300 $145 $500 $1,160
- with engineered water and wastewater study
Home Occupation Permit $150 $145 $290
LotLine Adjustment $750 $145 $870
Lot Merger $500 $145 $580
Administered by Finance Department Page 2 of 3
Item #8.1.
modi?cati
ssity Determi
CITY OF CALISTOGA CALIFORNIA
BOOK OF FEES
Municipal Code Amendment $145 $10,000 $8,700
Parcel Map $145 $5,000 $4,350
Parcel Map — revision $145 $2,000 $1,160
Parcel Map - time extension $500 $145 $1 ,000 $870
Planned Development Plan $145 $5,000 $4,640
Planned Development Plan — major modification $145 $3,000 $2,320 Planned Development Plan — minor on $500 $145 $2,000 $1,740 Pre-Application Consultation, administrative review $145 $1 ,000 $1,160 Public Convenience & Nece nation $500 $145 $1 ,000 $580 Reversion to Acreage $500 $145 $1 ,000 $580
Sign Permit, administrative review $100 $145 $435
Sign Permit, administrative review — copy change $50 $145 $290 Sign Permit, Planning Commission review $145 $500 $870
Street Vacation $145 $750 $1,160
Temporary Use Permit $50 $145 $435
Tentative Map $145 $5,000 $8,700
Tentative Map - exception $145 $750 $1,740
Tentative Map — revision $145 $1,250 $2,320
Tentative Map — time extension $500 $145 $2,000 $1,160
Use Permit, administrative review $850 $145 $2,000 $1,450 Use Permit, administrative review — amendment $100 $145 $1,000 $580 Use Permit, administrative review — time extension $100 $145 $1 ,000 $290 Use Permit, Planning Commission review $145 $2,500 $4,640 Use Permit, Planning Commission —- amendment $145 $500 $1,740 Use Permit, Planning Commission — time extension $500 $145 $2,000 $1,160 Variance $145 $1,500 $3,480
Zoning Clearance $25 $145 $290
Zoning Map Amendment $145 $2,500 $6,960
Zoning Ordinance interpretation $145 $500 $870
Zoning Ordinance Text Amendment $145 $2,500 $8,700
HISTORY:
AUTHORITY DATE ACTION
November 2, 2017 Approved
Administered by Finance Department
Item #8.1.
ption Authority
CITY OF CALISTOGACALIFORNIA
POLICESERVICE FEES
Administeredby FinanceDepartment
BOOK OF FEES
$20.00
$250.00
$75.00
$2000
$2000
$50.00
$50.00
Descri EffectiveDate
Fee Schedule
A. Police service fees are charged when the benefit applies to an individualor institution These fees are not charged for general services that is the core function ofthe Police Department.
ANNUALESCALATORANDADJUSTMENTS
The fees willupdate each year based on the change in the Consumer Price Indexfor All Urban Consumers (CPI-U) for 12 months ending on January 31 of each year. The updated fees and the new revenues willbe included inthe proposed budget to offset the costs of providing services. The fees shall also be adjusted ifthere are any other changes to the approved labor agreements. salary adjustments and other compensation approved by the City Council.
ALCOHOLBEVERAGEPERMIT
FOR CONCEALEDWEAPONSPERMIT=QRIG|NAL.
CONCEALEDWEAPONS PERMIT—RENEWAL
CRIMINALBACKGROUNDCHECK(LETTER OF CLEARANCE)
RESIDENTFEEFORFINGERPRINTINGINK
RESIDENTFEE FOR LIVESCANSERVICE
NON- RESIDENTFEE FOR FINGERPRINTINGINK
SCAN SERVICE
Item #8.1.
CITYOF CALISTOGA CALIFORNIA
BOOK OF FEES
REPORTCOPIES
B.
TRAFFICACCIDENTS $25.00
1 BLACK&WHITECOPY 8 ‘/2X 11 ¢.10 PER PAGE
1 BLACKWHITECOPY 11 X7 ¢.25 PER PAGE
1 COLORCOPY 8 % X 11 . ¢.25 PERPAGE
1 COLORCOPY 11 X7 ¢.75 PER PAGE
CD COPY ELECTRICRECORDSJEI AUDIBLE $1.00 EACH
PHOTOGRAPHYDUPLICATIONSECOND $1.00 ACTUALCOST
RESPONSE ORDINANCEREPO FEE
$PER ORDINANCE
SPECIALEVENTSPERMIT $15.00
$ ASDETERMINEDBYA1
OTHER FILM
$217 W/APPLICATIONNONREFUNDABLE
TAXIPERMITAPPLICATIONFEE $150.00
C
TAXIPERMITRENEWAL $150.00
VEHICLERELEASE $ 70.00
VENDOR/PEDDLERPERMIT $ 32.00 + APPLICABLELIVESCANFE
E
HISTORY:
AUTHORITY DATE ACTION
Administered by Finance Depadment Page 2 of 2
Item #8.1.
Authority
Fee S<.3hedule'
Urba Consumers (CP enths gon ua of ea yea ed
fees nd the new revs Includ the os udget offs of
ted are the changes
and em) ion pproved
City _ _
_ Ty
_
,
_’ 32 Mix’
' Fermi: '
‘
’
EV‘ 7’ Z+‘H' " A 7 A — ' 7
W’ ’
'
'E’cib'suré4
/ $250 ’ ‘
' ’
’ ’ "
'.’A?In'al’lS/
W 7 $999; .An’ wilyW
$72’ ’ ‘ ’ ’ ’
CITYOF CALISTOGACALIFORNIA
BOOK OF FEES
PUBLICWORKS DEPARTMENTFEES
A. Public Works Depanments feea ars primarily reiated to the transpcrtatien permit§, equipment rentals and services related to genera! infrastructure, Application pe Current Fee New Fee
$40
$600 Max
Deposit Aceur-1t— Citywide
$25
"Ehc?o'-mhment Permit/éciost ofWorkin 5%
Right of Way
Free Free
$55per Hour
‘$250 '“ ?
$25
Description
ANNUALESGALATORANDADJL.J.STMENT§
EffectiveDate
The fees willupdate each year based on the change in the ConsumerPrice Indexfor Al n l—.U)for 12 m l
a nues willbe
providing services. The fees shall also be adjus
approved labor agreements, salary adjustments
Council
BurialPermit
Caltrans - HWYMaintenance (Hwy 29)»
Annually
Caltrans - HWYMaintenance(Hwy128)-
Annually
Developer
Fee Reimbursement Schedule
Encroachment
EVCharger = 1-3 Hours
Charger —- ours
Evangeline — Recyclables n
AnnualCosts
Landscape Maintenance Districts= Palisades Subdivision
Landscape Maintenance Districts ~ Sllverado Place Subdivision Non~RoutineEncroachment Permit
Non-Routine Encroachment Permit —« Cost of Work in Right of Way OversizeTransportation Permit- Per
Truck
Administeredby Finance Department
enciin Jan
ed in prop ed b
ifthere
other 0
00 $1,540 Max.Annually
(Partial
Reimbursement)
$999.90 Max.
Annually (Partial
Reimbursement)
5%
5 ry 31 ch r. The updat
to et the costs
any o r to the
ensat a by the
$3,200 Max
$600 Max
Fully BurdenHourlyRate
$40
5%
$5 per Hour
$1 ,540 Max u
(Partial Reimbursement)
90 Max nua
(Partial Reimbursement)
$40
5%
$25
$25
Item #8.1.
Rem
ipment
$1.50
CITY OF CALISTOGA CALIFORNIA
BOOK OF FEES
$250
$2
$6 $7
$6.50
$2
$0.50 each, First25 $0.50 each, First 25 Free
Free
Tree oval Permit $10
Tree Removal Permit~ Tree Mitigation
Fee (Der tree)
Rental Equ Cones (1 each per $2
dav)
Rental Equipment —~ Deiineators Cones
(1 each per day)
Rental Equipment -- Barricades Cones
(1 each per day)
Rental Equipment - Lighted Barrieades
Cones (1 each per dav)
Supplies -— No Parking Signs Cones (1
each per dav)
Supplies - Sandbags
HISTORY:
AUTHORITY DATE ACTlON
November 2. 2017 Approved
Administeredby Finance Department
$40
$275 per Tree plus aetuei
staff costs
$7
$3
$7
Item #8.1.
Mien my
CITY OF CALISTOGA CALIFORNIA
BOOK OF FEES
PUBLIC WORKS DEPARMENT
RECYCLED WATER PERMIT FEES
Gallons Per Service Period Fee Deposit* New
Truck (Discounted Rates Ends March 31) Fee
Gallons Per Monthly Fee Fee Depo_sit* New
Truck (After March 31 Discounted Fee
Rate Ends)
HISTORY:
AUTHORITY DATE ACTION
November 2, 2017 Approved
Descri Auth Effective Date
Fee Schedule
The use of potable water for street cleaning or construction purposes is not allowed, unless no other source of water or other method can be used or if necessary, to protect the health and safety of the public. The City of Calistoga recycles water and allows the sale of the recycled water as part of the program.
A.
B. ANNUALESCALATOR ANDADJUSTMENTS
The fees willupdate each year based on the change in the Consumer Price Index for Al Urban Consumers (CPI-U) for 12 months ending on January 31 of each year. The updatedl fees and the new revenues will be included in the proposed budget to offset the costs of providing services. The fees shall also be adjusted if there are any other changes to the approved labor agreements, salary adjustments and other compensation approved by the City Council
500 February —~ December $600
1000 February — December $700
2000 February — December $900
3000 February — December $1,100
4000 February — December $1,250
500 Monthly Rate $60 per month
1000 Monthly Rate $70 per month
2000 Monthly Rate $90 per month
3000 Monthly Rate $110 per month
4000 Monthly Rate $125 per month
Administered by Finance Department
Item #8.1.
Authority
Fee Schedule
City
Fami two ad $7 Youth (11 EE
Must ve a si egi ation form the
CITY OF CALISTOGACALIFORNI
A
BOOK OF FEES
Description EffectiveDate
RECREATIONPROGRAM FEES
The City of Calistoga recreation programs are primarilyfunded through the general revenues.The City has historically established a very lowfee schedule to ensure the residents of the City have access to the facilitiesand amenities.
Pool Admission Prices
Daily Fees for Lap &Rec Swim
Seniors (55+) $6
Adults(18+) $8 Youth (Under 18) FREE
Daily Fees for Water Aerobics
Seniors (55+) $8
Adults (18+) $10
For 10 Punch Pass Lap &Rec Swim
Seniors (55+) $60
Adults (18+) $80
For 10 Punch Pass Water Aerobics
Seniors (55+) $80
Adults(18+) $100
Season Pass
3 Aprilsseptember. 2023
Includes water aerobics.lap swim, and rec swim
Calistoga Resident
Must provide proof of residency Residents (all ages) FREE Non-Resident
Seniors (55+) $400
Adults (18+) $550
ly ( ults) 50 ~17yrs) FR
ha gned r str to come to pool without an adult,
C Merchandise
' Sweatshirt $25
AdultGoggles $10
Towel $10
Youth Goggles $7
Swim Diaper $2
LightWeights $20
Kickboarcl $10
HISTORY:
AUTHORITY DATE ACTION
November 2, 2017 Approved
Administeredby Finance Department Page 1 of
Item #8.1.
Description Authority
City
DO Hqurly
CITYOF CALISTOGACALIFORNI
A
SPECIAL EVENTS PERMITFEES
SPECIAL EVENTS PERMITFEES
EffectiveDate
Fee Schedule
The Special Events Permit in the City of Calistoga involves multiple departments and logistics. The City of Calistoga willensure that the special events costs are fully recovered.
The City shall pass through all the fees related to outside contractors, consultants, attorneys etc.to the project applicants. The City shall add an administrative fee of 15% to the invoices from the outside vendors to recoverthe costs related to managing contractors and processing accounts payable functionsl providing general oversight.
The cost recovery fees related to the City of Calistoga shall be calculated based on the fee schedule as published in the Citywide Reimbursement Fees.
ANNUAL ESCALATORAND ADJUSTMENTS
The fees willupdate each year based on the change in the Consumer Price Index for All Urban Consumers (CPl~U)for 12 months ending on January 31 of each year. The updated fees and the new revenues willbe included inthe proposed budget to offset the costs of providing services. The fees shall also be adjusted ifthere are any other changes to the approved labor agreements, salary adjustments and other compensation approved by the Council.
Event Type: Public Facility Use
Event Description:
Any event which is planning on using one of the City of Calistoga Facilitiesfor personal or commercial use - This includes the Community Center, Pioneer Park, Logvy Park, Community Pool or MonhoffCenter
Deadline: Minimumof 30 days -1 year in advance.
Application Fee: $50
Additional Fees: $350 De sit Fee: Based on actual costs Event Type: Street Usage & Closure
C
Event Description:
Any event which takes place on a street or sidewalk ~— this includes events with and withou t street closures.
Please NOTE: Ifyou are requesting LincolnAve. then an additional permit is required fro Cal Trans. m
Deadline: Minimumof 30 days - 1 year in advance.
Application Fee: $50
AdditionalFees Fee: Based on actual costs
Administeredby Finance Department Page 1 of 3
Item #8.1.
event permit to be approved.’
CITY OF CALISTOGA CALIFORNIA
SPECIAL EVENTS PERMIT FEES
D‘ Event Type: Event on Public Property
Event Description:
Any event held on public property may includecity parking lots and other public property Deadline: Minimumof 30 days -—~ 1 year in advance.
Application Fee: $50
AdditionalFees: $350 Deposit Hourly Fee: Varies
Event Type: Filmingl Photography
E
Event Description:
Event which is planning on filming or holding any type of photo shoot withinCity limits Deadline: Minimumof 72 hours.
Application Fee: $50
Additional Fees Fee: varies based on event costs.
F Event Type: Alcohol Sellers Permit
Event Description:
This permit is needed if your event plans to sell alcohol. Willbe required for final special Deadline: Contact AlcoholicBeverage Control (ABC) directly for requirements Application Fee: See ABC
Additional Fees: See ABC
Form Needed: ABC
Event Type: LincolnAvenue Banner Permit
G.
Event Description:
This is a separate permit and is required to be eligible to place a banner across Lincoln Ave. This can be obtained from the PublicWorks Department.
Deadline: Up to 1 year in advance and are issued as received based on availability Application Fee: $320
AdditionalFees City installed: $320
Contractor Installed: $160 refundable deposit.
Form Needed PW
Event Type: Encroachment Permit
Event Description:
H This permit is required to perform work or use any portion of a city sidewalk orstreet withi the public right of way. This is includedin the special event permit if you are NOTndoing any street or sidewalk modification.
Deadline:
Application Fee: $25 (may require an additional 5% inspection fee on the estimated cost of work)
Administered by Finance Department Page 2 of 3
Item #8.1.
Additional Fees:
SEP — Special Event Permit application
NCEMD— Napa Cnunty Department of EnvlronmentalManagement (|mp:IIwww.countyofnapa.0rglPagaeIDeparImentContenLaspx?id=4294967929#Temporary Events) Public Works for the appropriate permit application
ABC — AlcoholBeverage Control ( http:IIwww.ab::.ca.gcvI) sp
CITYOF CALISTOGACALIFORNI
A
SPECIALEVENTSPERMITFEES
N/A.
Form Needed: PW
HISTORY:
AUTHORITY DATE
Administeredby Finance D artment
PW= Centact
ACTION
Item #8.1.
City of Calistoga
STAFF REPORT
To: Honorable Mayor and City Council
From: Nitish Sharma,
Meeting: City Council - Jun 06 2023
Subject: Requests for Housing Loan and Interest Payments Forgiveness DESCRIPTION:
Requests for Housing Loan and Interest Payments Forgiveness RECOMMENDATION:
Provide direction to staff regarding waiving interest and/or loans for various housing programs.
BACKGROUND/SUMMARY:
The City of Calistoga housing programs assist qualified residents and affordable housing organizations in their efforts to maintain their homes through a housing rehabilitation loan or allow qualified families the opportunity to become a homeowner to purchase their first home/residential unit in Calistoga. These funds are also designed to assist homeowners to correct existing code violations and to improve the conditions of their home. The City has a commitment to increase affordability, reduce blighted areas, and provide decent, safe, and sanitary housing inventory. The funding sources of these loans are from the State of California and/or the United States Department of Housing and Urban Development programs. The City currently contracts with the Napa Housing Authority to monitor and manage the affordable housing loans; including compliance with the regulatory agencies but neither the City nor the Authority have been able to locate all documentation from early loans.
The City has received two specific requests to waive the principle and/or interest of loans from the 1980's. Staff is seeking direction on these requests as well as direction as to whether or not you wish to have a policy related to such future requests that could be administered at the staff level.
ANALYSIS:
The City of Calistoga strides to provide affordable housing to its residents. The State and Federal government funding assists local communities in achieving this goal, however they are insufficient.
The intent of the affordable housing loan programs is to re-invest the principle and interest from past loans back into the program to create additional affordable housing opportunities.
Loan Portfolio Summary
The City’s Housing Programs includes the following funding programs:
• Community Development Block Grant (CDBG): This program provides an annual grant on a formula basis to the states, counties, and cities with a primary objective to develop viable urban communities by providing decent housing and suitable living environment, and by expanding economic opportunities, principally for low- and moderate- income persons.
Item #9.1.
The City of Calistoga has several loans made through this program dating back to 1984. The City tracked historical loans in a workbook that is attached to this report as Attachment 1.
Below is the summary of the historical loans:
Total Number of Loans Issued:43
Total Amount of the Original Loan:$1,542,030
Total Amount Paid Off: $992,172
Total Amount Outstanding:$391,250
Total Loans Unreconciled (Unrecorded)$158,608
It is important to note that these loans were made many years ago and the City does not appear to have all the records regarding these loans including the promissory note, payoff records or other relevant information. The City has been working with the County of Napa and the Napa Housing Authority on a case-by-case basis to assist with any loan payoff demand letter or other regulatory issues as brought forward to staff’s attention.
The City tracked CDBG loans issued in the last 10 years in a different workbook attached to this report as Attachment 2. Below is the summary of the other loans made under the CDBG program:
Total Number of Loans Issued:33
Total Amount of the Original Loan:$840,974
Total Amount Paid Off: $15,250
Total Amount Outstanding:$825,724
• HOME Program: HOME is the largest federal block grant to State and Local governments designed to create affordable housing for low-income households. The City of Calistoga has successfully received federal funds over the years to create affordable housing opportunities for its residents. Attachment 3 provides a list of loans issued from the HOME funding program and below is the summary of the other loans made through the Fiscal Year 2022:
Total Number of Loans Issued:21
Total Amount of the Original Loan:$439,427
Total Amount Paid Off: $34,043
Total Amount Outstanding:$405,384
• Other CDBG Loans: The City of Calistoga has awarded CDBG funds to other nonprofit organizations to manage and develop affordable housing programs. Below is a list of outstanding loan and interest balances as of June 30, 2022:
oLakewood 1 Loan
Total Amount of the Original Loan:$80,000
Total Amount Paid Off: $3,133
Total Accrued Interest (Loan term)$173,042
Total Amount Outstanding:$249,909
oPalisades Apartments
Total Amount of the Original Loan:$3,140,024
Total Amount Paid Off: $11,808
Item #9.1.
Total Accrued Interest (Loan term)$12,756,122
Total Amount Outstanding:$15,884,339
oLa Pradera
Total Amount of the Original Loan:$250,0000
Total Amount Paid Off: $12,379
Total Amount Outstanding:$237,626
Payment Forgiveness Requests
The two specific forgiveness requests are summarized below:
Request #1 – Lisa Green, Loan #38-001-531 (Attachment 4). Lisa Green inherited a single-family dwelling from the original borrower (Henrika Dejong). Ms. Green requests the City forgive the loan and record a Substitution of Trustee and Full Reconveyance on the assertion that she repaid the loan.
The City has no corroborating evidence of payment.
• Date of Loan: November 16, 1983
• Deed of Trust to City of Calistoga: November 16, 1983. • Original Term of Loan: 5 years at 6% interest with extensions permissible. • Amount of Loan: $13,700
• Accrued Interest (through April 2023): $32,404
• Total Loan Payoff Amount: $45,282
• Source of funding: Community Development Block Grant
• Deferred Loan Status: Calistoga Loan Committee (November 10, 1983) approved deferred status every five years if owner met income guidelines. • Promissory Note Provision: the City forgave the first year of interest, and the interest may be forgiven for subsequent years if borrower met the income guidelines for the deferred loan program. No City records related to borrower’s income can be found. • City Records: Finance and Building Departments’ records provide no evidence that the loan was paid, nor any evidence recorded with Napa County by the City indicating its payoff.
• Payoff Demand. Issued by City staff on May 17, 2016, based on the fact that the City has no evidence that the note was paid.
Request #2 – Edyth Gangbin, Loan #38-013-54 (Attachment 5). In February 2021, Kamron Ganhbin inherited a single-family dwelling from his mother, the original borrower (Edyth Gangbin).
Mr. Gangbin, who paid off the loan amount in full (on June 28, 2022), requests the City refund the interest amount of $56,175.48 asserting that Ms. Gangbin met the income guidelines specified in the Promissory Note during the term of the loan.
• Date of Loan: November 6, 1984
• Deed of Trust to City of Calistoga: November 6, 1984. • Original Term of Loan: 5 years at 6% interest with extensions permissible. • Amount of Loan: $30,000
• Accrued Interest (through payoff date May 12, 2022): $56,175.48 • Total Loan Amount (paid off May 12, 2022): $86,175.48 • Source of funding: Community Development Block Grant
• Promissory Note Provision: the City forgave the first year of interest, and the interest may be forgiven for subsequent years if borrower met the income guidelines for the deferred loan program. No City records related to borrower’s income can be found.
Item #9.1.
City Council Options
Options for addressing both the above requests as well as future requests include the following:
1) Seek Full-Repayment: In this option the City will continue to receive all principal and interest in accordance with any original loan parameters and deposit the funds back into eligible housing programs. Most often this will occur at the time the property changes ownership. For loans originating decades ago, if the City or Agency has no records that any funds were previously re-paid, the owner/seller will be required to provide such records or the City will seek full repayment. Alternatively, the City could proactively immediately seek repayment of loans older than a certain period of time (for example more than 10 years old) to try to clean up older loans and stop interest from continuing to accrue. The mechanism to enforce this if payments are not made is foreclosure. 2) Forgive Interest Payments: This action will allow staff to write off the accrued interest on the outstanding loans while re-investing the principal back into the program. In the above two requests the amount is approaching $90,000. The total amount owed for the entire portfolio is in the millions. 3) Forgive Loan Principle: This action will allow staff to write off the original loan amount in the event ownership changes, the property is refinanced, and or transferred to the beneficiaries but still collect the interest. The advantage of this action allows new owners to have a clean title on the property. The disadvantage of this action is that the City may suffer a huge loss in program income in the event the property is sold or refinanced or passed to beneficiaries. The total exposure to program income for individual residential loans only (not including non-profits) is approximately $1.4 million.
The commercial loans principal balance total approximately $3.2 million. 4) Forgive Both Loan and Interest Payments: Either when requested or proactively, the City Council could choose for forgive both loan principal and interest payments. This will result in the loss of millions of dollars available to reinvest in housing programs.
Council can provide different direction as desired for individual loan recipients and for non-profit entities.
CEQA STATUS:
This action is not defined as a “project” by the California Environmental Quality Act (CEQA).
FINANCIAL IMPACT:
See information under "Council Options."
ATTACHMENT(S):
ATTCH 1-3 - CDBG Loan Schedules
ATTCH 4 - Green Loan
ATTCH 5 - Gangbin Loan
APPROVAL(S):
Yudiana Galvan, Interim City Clerk Approved - May 31 2023 Item #9.1.
Item #9.1.
ATTACHMENT 1
Address1 Notes Loan Amount Date Loan Recorded Interest Rate 1425 Third Street No Record $45,008 3/15/1989 6%
2242 Grant Street No record of payment $50,500 7/10/1987 6% 957 Petrified Forest No record of payment $37,100 9/10/1986 6% 1407 Foothill No file -physical or digital $26,000
1306 Foothill
Paid Off - 08/17/2000 - Promissory Note
Missing $28,600 1/2/1990 ?
322 Downham Court Paid Off - 10/14/1992 $14,300 6/30/1988 6% 1315 Spring Street Paid Off - 10/18/1985 $26,666 10/15/1984 4% 1864 Lake Street Paid Off - 10/8/1993 $5,800 11/18/1986 6% 1510 Foothill Blvd Paid Off - 11/6/1996 $8,100 1/26/1987 ? 65 View Road Paid Off - 3/10/1992 $19,150 4/12/1990 4%
1305 Foothill Paid Off - 3/26/2004 $16,080 5/16/1990 6% 1404,1408,1410 Third St Paid Off - 3/26/2014 $108,000 1/14/1985 14% 1512 Harley Street Paid Off - 4/14/1988 $3,500 7/21/1986 3% 1424 Lake Street Paid Off - 4/22/2014 - Reconveyed $19,000 10/19/1987 6% 1715 Foothill Blvd Paid Off - 5/31/1991 $15,000 5/16/1986 6% 1820 Grant Street Paid Off - 5/7/1996 $30,000 12/29/1983 2% 1001 Foothill Paid Off - 6/2/2009 $23,000 6/9/1986 6%
1311 Pine Street Paid Off - 6/6/1991 $30,000 9/25/1989 8% 322 Downham Court Paid Off - 7/19/1989 $28,178 12/23/1983 6% 1436-1438 First Street Paid Off - 7/23/2003 $38,980 9/13/1988 8% 1902 Fairway Apt. A &B Paid Off - 8/18/2016 $51,000 6/9/1986 6% 1417 Second Street Paid Off - 8/5/1988 $26,000 8/12/1988 ? 3764 Silverado Trail Paid Off - Reconveyed - 2/19/2014 $17,100 8/25/1986 6% 1801 Grant Street Paid Off - Reconveyed - 4/7/2015 $29,000 12/30/1987 6% 1609 Lake Street Paid Off - Reconveyed 1/13/1988 $20,675 4/18/1986 14% 1412 Franklin Paid Off - Reconveyed 4/15/2019 $168,000
1304 Berry Street Paid Off - Reconveyed 9/14/2010 $30,000 10/26/1988 0% 1309 Foothill Paid Off- 06/28/2022 $30,000 12/20/1984 6% 1401 Lake Street Paid Off- 6/27/1990 $17,500 1/10/1986 6% 1425 Second Street Paid Off- 8/9/2001 $19,800 5/25/1984 6% 1413 Anna Paid Off- $77,000
1429 Second Street Paid Off-10/30/1986 $30,000 6/8/1988 1% 1518 Myrtle Street Reconveyed - 11/14/2002 $22,000 8/13/1984 3% 1854 Spring Street Reconveyed - 11/4/2011 $10,100 9/16/1985 3% 809 Washington Street Reconveyed - 12/15/2003 $29,000 5/21/1985 2% 110 Foothill Blvd Reconveyed - 2/24/2020 $233,244 3/28/1984 4% 1610 Foothill Blvd Reconveyed - 3/5/2001 $36,192 11/23/1988 6% 1405 Lake Street Reconveyed - 4/24/2001 $26,800 2/16/1988 6%
CITY OF CALISTOGA
HISTORICAL CDBG LOANS
AS OF JUNE 30 2022
Item #9.1.
ATTACHMENT 1
Address1 Notes Loan Amount Date Loan Recorded Interest Rate
CITY OF CALISTOGA
HISTORICAL CDBG LOANS
AS OF JUNE 30 2022
1004 Cedar Street Reconveyed - 6/9/1993 $10,200 8/2/1985 2% 1409 Earl Street Reconveyed - 8/23/2001 $16,000 12/14/1987 6% 1601 Lake Street Unpaid $13,700
1864 Lake Street Unpaid $2,500 4/12/1988 6%
900 Washington Street Unpaid $14,357 7/17/1990 6%
900 Washington Street Unpaid $38,900 2/14/1986 6%
Total $1,542,031
Item #9.1.
ATTACHMENT 2 FUND 44
Address City Loan # Loan Amount Start Date Maturity Date Funding
Source Interest Rate
315 Chablis South Calistoga 16-CDBGCLSTGA-29 $30,000 8/16/2019 8/16/1949 CDBGCLSTGA 0% 2412 Foothill Blvd #126 Calistoga 16-CDBG-CLSTGA-01 $30,000 1/26/2018 1/26/2048 CDBG 0% 2412 Foothill Blvd #131 Calistoga 16-CDBGCLSTGA-07 $26,220 5/23/2018 5/23/2048 CDBG 0% 937 Champagne South Calistoga 16-CDBGCLSTGA-27 $30,000 6/21/2019 6/21/1949 CDBG 0% 202 Champagne West Calistoga 16-CDBGCLSTGA-02 $19,211 1/12/2018 1/12/2048 CDBG 0% 2412 Foothill Blvd #168 Calistoga 16-CDBGCLSTA-09 $15,900 2/2/2018 2/2/2048 CDBG 0% 2412 Foothill Blvd. #179 Calistoga 16-CDBGCLSTGA-19 $11,000 9/20/2018 9/20/2048 CDBGCLSTGA 0% 2412 Foothill Blvd., #124 Calistoga 16-CDBGCLSTGA-11 $24,237 5/16/2018 5/16/2048 CDBGCLSTGA 0% 2412 Foothill Blvd. #149 Calistoga 16-CDBGCLSTGA-14 $16,725 5/18/2018 5/18/2048 CDBGCLSTGA 0% 511 Sherry South spc 308 Calistoga 16-CDBGCLSTGA-15 $6,877 3/12/2018 3/12/2048 CDBGCLSTGA 0% 2412 Foothill Blvd. #133 Calistoga 16-CDBFCLSTGA-16 $29,035 8/3/2018 8/3/2048 CDBGCLSTGA 0% 52 Magnolia Drive Calistoga 16-CDBGCLSTGA-34 $30,000 9/20/2019 9/20/1949 CDBGCLSTGA 0% 1716 Cedar St Calistoga 16-CDBGCLSTGA-23 $30,000 9/19/2019 9/19/1949 CDBGCLSTGA 0% 2412 Foothill Blvd., #79 Calistoga 16-CDBGCLSTGA-18 $22,512 5/16/2018 5/16/2048 CDBGCLSTGA 0% 614 Port North Calistoga 16-CDBGCLSTGA-37 $30,000 9/20/2019 9/20/2049 CDBGCLSTGA 0% 418 Burgundy N Calistoga 16-CDBGCLSTGA-38 $30,000 9/26/2019 9/26/2049 CDBGCLSTGA 0% 2412 Foothill Blvd #74 Calistoga 16-CDBGCLSTGA-30 $30,000 8/16/2019 8/16/2049 CDBGCLSTGA 0% 924 Champagne North Calistoga 16CDBGCLSTGA-06 $19,650 5/10/2018 5/10/2048 CDBGCLSTGA 0% 924 Champagne North Calistoga 16-CDBGCLSTGA-35 $10,000 9/20/2019 9/20/2049 CDBGCLSTGA 0% 2412 Foothill Blvd. #157 Calistoga 16-CDBGCLSTGA-03 $11,750 6/22/2018 6/22/2048 CDBGCLSTGA 0% 2412 Foothill Blvd. #73 Calistoga 16-CDBGCLSTGA-26 $30,000 8/22/2019 8/22/2048 CDBGCLSTGA 0% 224 Champagne West Calistoga 16-CDBGCLSTGA-31 $30,000 9/11/2019 9/11/2049 CDBGCLSTGA 0% 2412 Foothill Blvd #47 Calistoga 16-CDBGCLSTGA-22 $22,925 1/11/2019 1/11/2049 CDBGCLSTGA 0% 2412 Foothill Blved Calistoga 16-CDBGCLSTGA-32 $30,000 9/11/2019 9/11/2049 CDBGCLSTGA 0% 1618 Foothill Blvd Calistoga 16-CDBGCLSTGA-20 $60,000 8/29/2019 8/29/2049 CDBGCLSTGA 0% 125 Heather Lane Calistoga 16-CDBGCLSTGA-36 $30,000 9/20/2019 9/20/1949 CDBGCLSTGA 0% 2412 Foothill Blvd. #158 Calistoga 16-CDBGCLSTGA13 $30,000 6/22/2018 6/22/2048 CDBGCLSTGA 0% 2412 Foothill Blvd. #118 Calistoga 16-CDBGCLSTGA-04 $13,750 6/7/2018 6/7/2048 CDBGCLSTGA 0% 2412 Foothill Blvd #60 Calistoga 16-CDBGCLSTGA-10 $22,706 9/7/2018 9/7/2048 CDBGCLSTGA 0% 933 Champagne Drive Calistoga 16-CDBGCLSTA-28 $29,451 7/30/2019 7/30/2049 CDBGCLSTGA 0% 936 Champagne North Calistoga 16-CDBGCLSTGA-21 $29,025 11/1/2018 11/1/2048 CDBGCLSTGA 0% 2412 Foothill Blvd. #72 Calistoga 16-CDBGCLSTGA-25 $30,000 7/1/2019 7/1/2049 CDBGCLSTGA 0% 2412 Foothill Blvd. #106 Calistoga 16CDBGCLSTGA-33 $30,000 9/13/2019 9/13/2046 CDBGCLSTGA 0% Total Outstanding Loans as of June 30, 2021 $840,974
418 Burgundy N Calistoga 16-CDBGCLSTGA-38 $3,500 9/26/2019 9/26/2049 CDBGCLSTGA 0% 2412 Foothill Blvd. #157 Calistoga 16-CDBGCLSTGA-03 $11,750 6/22/2018 6/22/2048 CDBGCLSTGA 0% Total Payments Received as of June 30, 2022 $15,250
6/30/2022 Receivable Balance Total Fund 75 $825,724
AS OF JUNE 30, 2022
CDBG LOANS
CITY OF CALISTOGA
5/31/2023 \\10.206.5.34\cifshare\Data\CivicWeb\Customers\Calistoga\FileStorage\42797F9FBE8A42E6B2143060BA35C5C1-ATTCH 1-3 - CDBG Loan Schedules Item #9.1.
ATTACHMENT 3 FUND 75
Address City Loan #
Loan
Amount Start Date
Maturity
Date
Funding
Source
Interest
Rate
2412 Foothill Blvd. #179 Calistoga 13-HOMECLSTGA-02 20,045 3/18/2015 3/18/2045 HOME 0% 95 Jasmine Lane Calistoga 13-HOMECLSTGA-22 19,935 9/14/2015 9/14/2045 HOME 0% 2412 Foothill Blvd. #122 Calistoga 13HOMECLSTGA-12 19,967 8/17/2015 8/17/2045 HOME 0% 92 Jasmine Lane Calistoga 13-HOMECLSTGA-10 16,265 4/22/2015 4/22/2045 HOME 0% 2412 Foothill Blvd., #120 Calistoga 13-HOMECLSTGA-08 30,060 4/21/2015 4/21/2045 HOME 0% 2412 Foothill Blvd., #79 Calistoga 13-HOMECLSTGA-31 18,199 3/8/2016 3/8/2046 HOME 0% 919 Champagne South Calistoga 13-HOMECLSTGA-05 12,920 3/18/2015 3/18/2045 HOME 0% 2412 Foothill Blvd., #125 Calistoga 13-HOMECLSTGA-14 26,000 10/1/2015 10/1/2045 HOME 0% 108 Ivy Lane Calistoga 13-HOMECLSTGA-09 19,595 5/14/2015 5/14/2045 HOME 0% 2412 Foothill Blvd., #130 Calistoga 13-HOMECLSTGA-07 18,870 3/19/2015 3/19/2045 HOME 0% 2412 Foothill Blvd., #90 Calistoga 13-HOMECLSTGA-19 13,230 8/21/2015 8/21/2045 HOME 0% 151 Wisteria Drive Calistoga 13-HOMECLSTGA-15 15,668 8/21/2045 HOME 0% 1622 Foothill Blvd. Calistoga 13-HOMECLSTGA-04 56,361 4/19/2016 4/19/2046 HOME 0% 2412 Foothill Blvd Calistoga 13-HOMECLSTGA-03 18,375 5/20/2015 5/20/2045 HOME 0% 63 Iris Drive calistoga 13-HOMECLSTGA-16 19,195 9/24/2015 9/24/2045 HOME 0% 2412 Foothill Blvd. #59 Calistoga 13-HOMECLSTGA-11 19,715 3/15/2016 3/15/2046 HOME 0% 49 Magnolia Drive Calistoga 13-HOMECLSTGA-13 20,000 7/15/2015 7/152045 HOME 0% 506 Sherry North Calistoga 13HOMECLSTGA-26 20,025 2/2/2016 2/2/2046 HOME 0% 509 Sherry South Calistoga 13-HOMECLSTGA-20 19,170 10/7/2015 10/7/2045 HOME 0% 2412 Foothill Blvd. #183 Calistoga 13HOMECLSTGA-21 19,774 3/16/2016 3/16/2046 HOME 0% 2412 Foothill Blvd. #118 Calistoga 13-HOMECLSTGA-28 16,058 12/12/2016 12/12/2046 HOMECLSTGA 0% Total Outstanding Loans as of June 30, 2021 439,427
2412 Foothill Blvd Calistoga 13-HOMECLSTGA-03 18,375 5/20/2045 HOME 0% 151 Wisteria Drive Calistoga 13-HOMECLSTGA-15 15,668 8/21/2045 HOME 0% Total Payments Received as of June 30, 2022 34,043
6/30/2022 Receivable Balance Total Fund 75 405,384
CITY OF CALISTOGA
HOME LOANS
AS OF JUNE 30 2022
5/31/2023 \\10.206.5.34\cifshare\Data\CivicWeb\Customers\Calistoga\FileStorage\42797F9FBE8A42E6B2143060BA35C5C1-ATTCH 1-3 - CDBG Loan Schedules Item #9.1.
ATTACHMENT 4
Item #9.1.
ATTACHMENT 5
To the City Council Members of Calistoga,
I’m asking for the City of Calistoga to accept my payment of $30,000 for the unpaid loan of my mother Edyth Gangbin. I’m also asking for the refund of $56,422 for the payment of interest accrued.
In the early 80’s my father left my mom with 8yr & 10yr old kids. My dad left the house half renovated with no doors, windows or indoor plumbing. My mom tried her best to care for us while working full-time at the juvenile hall in Napa, but we quickly had to rely on getting food from the church, food stamps also the food program at school. It wasn’t long before the teachers at school had concerns about our welfare.
When child protective services visited the home they found us all sleeping on one mattress with a blanket covering the front door in the middle of winter. We were placed in foster care until my mom could update the house to reasonable living conditions.
I thank God for the intervention of the City of Calistoga. If the City of Calistoga had not offered my mom this loan she would had never recovered custody of her children. The City of Calistoga was quick to offer my mom a $30,000 loan to upgrade the house to make it safe for the kids. The language of the loan read that as long as she remained financially unstable the payments could be deferred and would not accrue interest. This was to be reevaluated on an annual basis. She remained on LIRA financial assistance offered from the City of Calistoga until She passed away unexpectedly February 2021.
The reason I am asking to pay the $30,000 loan without interest is because that was the intent of the loan. In the four corners of the contract with the language drafted by the City of Calistoga was that “They may forgive the payment of interest for any year in which the owner meets the income guidelines for the Deferred Loan program as determined by the City Loan Committee”
“ City of Calistoga agrees that for Owners on a fixed income, whose source of income does not change, income shall be reverified every five (S) years and the loan term extended.”
The big question now is how much interest if any is reasonable. Looking at the intention of the loan it’s clear that it was intended to help not make money. Based on the situation I cannot imagine the City of Calistoga ever wanting to profit off my mom’s vulnerability.
Item #9.1.
ATTACHMENT 5
In closing what I’m asking for will not cost the City of Calistoga money.
It’s just a refund of my money that I paid in confidence that you would see it the way it was intended in 1985.
Thank you,
Kamron Gangbin
1309 Foothill Blvd.
Calistoga, Ca 94515
(707) 217-9919
Item #9.1.
ATTACHMENT 1
Address1 Notes Loan Amount Date Loan Recorded Interest Rate 1425 Third Street No Record $45,008 3/15/1989 6%
2242 Grant Street No record of payment $50,500 7/10/1987 6% 957 Petrified Forest No record of payment $37,100 9/10/1986 6% 1407 Foothill No file -physical or digital $26,000
1306 Foothill
Paid Off - 08/17/2000 - Promissory Note
Missing $28,600 1/2/1990 ?
322 Downham Court Paid Off - 10/14/1992 $14,300 6/30/1988 6% 1315 Spring Street Paid Off - 10/18/1985 $26,666 10/15/1984 4% 1864 Lake Street Paid Off - 10/8/1993 $5,800 11/18/1986 6% 1510 Foothill Blvd Paid Off - 11/6/1996 $8,100 1/26/1987 ? 65 View Road Paid Off - 3/10/1992 $19,150 4/12/1990 4%
1305 Foothill Paid Off - 3/26/2004 $16,080 5/16/1990 6% 1404,1408,1410 Third St Paid Off - 3/26/2014 $108,000 1/14/1985 14% 1512 Harley Street Paid Off - 4/14/1988 $3,500 7/21/1986 3% 1424 Lake Street Paid Off - 4/22/2014 - Reconveyed $19,000 10/19/1987 6% 1715 Foothill Blvd Paid Off - 5/31/1991 $15,000 5/16/1986 6% 1820 Grant Street Paid Off - 5/7/1996 $30,000 12/29/1983 2% 1001 Foothill Paid Off - 6/2/2009 $23,000 6/9/1986 6%
1311 Pine Street Paid Off - 6/6/1991 $30,000 9/25/1989 8% 322 Downham Court Paid Off - 7/19/1989 $28,178 12/23/1983 6% 1436-1438 First Street Paid Off - 7/23/2003 $38,980 9/13/1988 8% 1902 Fairway Apt. A &B Paid Off - 8/18/2016 $51,000 6/9/1986 6% 1417 Second Street Paid Off - 8/5/1988 $26,000 8/12/1988 ? 3764 Silverado Trail Paid Off - Reconveyed - 2/19/2014 $17,100 8/25/1986 6% 1801 Grant Street Paid Off - Reconveyed - 4/7/2015 $29,000 12/30/1987 6% 1609 Lake Street Paid Off - Reconveyed 1/13/1988 $20,675 4/18/1986 14% 1412 Franklin Paid Off - Reconveyed 4/15/2019 $168,000
1304 Berry Street Paid Off - Reconveyed 9/14/2010 $30,000 10/26/1988 0% 1309 Foothill Paid Off- 06/28/2022 $30,000 12/20/1984 6% 1401 Lake Street Paid Off- 6/27/1990 $17,500 1/10/1986 6% 1425 Second Street Paid Off- 8/9/2001 $19,800 5/25/1984 6% 1413 Anna Paid Off- $77,000
1429 Second Street Paid Off-10/30/1986 $30,000 6/8/1988 1% 1518 Myrtle Street Reconveyed - 11/14/2002 $22,000 8/13/1984 3% 1854 Spring Street Reconveyed - 11/4/2011 $10,100 9/16/1985 3% 809 Washington Street Reconveyed - 12/15/2003 $29,000 5/21/1985 2% 110 Foothill Blvd Reconveyed - 2/24/2020 $233,244 3/28/1984 4% 1610 Foothill Blvd Reconveyed - 3/5/2001 $36,192 11/23/1988 6% 1405 Lake Street Reconveyed - 4/24/2001 $26,800 2/16/1988 6%
CITY OF CALISTOGA
HISTORICAL CDBG LOANS
AS OF JUNE 30 2022
Item #9.1.
ATTACHMENT 1
Address1 Notes Loan Amount Date Loan Recorded Interest Rate
CITY OF CALISTOGA
HISTORICAL CDBG LOANS
AS OF JUNE 30 2022
1004 Cedar Street Reconveyed - 6/9/1993 $10,200 8/2/1985 2% 1409 Earl Street Reconveyed - 8/23/2001 $16,000 12/14/1987 6% 1601 Lake Street Unpaid $13,700
1864 Lake Street Unpaid $2,500 4/12/1988 6%
900 Washington Street Unpaid $14,357 7/17/1990 6%
900 Washington Street Unpaid $38,900 2/14/1986 6%
Total $1,542,031
Item #9.1.
ATTACHMENT 2 FUND 44
Address City Loan # Loan Amount Start Date Maturity Date Funding
Source Interest Rate
315 Chablis South Calistoga 16-CDBGCLSTGA-29 $30,000 8/16/2019 8/16/1949 CDBGCLSTGA 0% 2412 Foothill Blvd #126 Calistoga 16-CDBG-CLSTGA-01 $30,000 1/26/2018 1/26/2048 CDBG 0% 2412 Foothill Blvd #131 Calistoga 16-CDBGCLSTGA-07 $26,220 5/23/2018 5/23/2048 CDBG 0% 937 Champagne South Calistoga 16-CDBGCLSTGA-27 $30,000 6/21/2019 6/21/1949 CDBG 0% 202 Champagne West Calistoga 16-CDBGCLSTGA-02 $19,211 1/12/2018 1/12/2048 CDBG 0% 2412 Foothill Blvd #168 Calistoga 16-CDBGCLSTA-09 $15,900 2/2/2018 2/2/2048 CDBG 0% 2412 Foothill Blvd. #179 Calistoga 16-CDBGCLSTGA-19 $11,000 9/20/2018 9/20/2048 CDBGCLSTGA 0% 2412 Foothill Blvd., #124 Calistoga 16-CDBGCLSTGA-11 $24,237 5/16/2018 5/16/2048 CDBGCLSTGA 0% 2412 Foothill Blvd. #149 Calistoga 16-CDBGCLSTGA-14 $16,725 5/18/2018 5/18/2048 CDBGCLSTGA 0% 511 Sherry South spc 308 Calistoga 16-CDBGCLSTGA-15 $6,877 3/12/2018 3/12/2048 CDBGCLSTGA 0% 2412 Foothill Blvd. #133 Calistoga 16-CDBFCLSTGA-16 $29,035 8/3/2018 8/3/2048 CDBGCLSTGA 0% 52 Magnolia Drive Calistoga 16-CDBGCLSTGA-34 $30,000 9/20/2019 9/20/1949 CDBGCLSTGA 0% 1716 Cedar St Calistoga 16-CDBGCLSTGA-23 $30,000 9/19/2019 9/19/1949 CDBGCLSTGA 0% 2412 Foothill Blvd., #79 Calistoga 16-CDBGCLSTGA-18 $22,512 5/16/2018 5/16/2048 CDBGCLSTGA 0% 614 Port North Calistoga 16-CDBGCLSTGA-37 $30,000 9/20/2019 9/20/2049 CDBGCLSTGA 0% 418 Burgundy N Calistoga 16-CDBGCLSTGA-38 $30,000 9/26/2019 9/26/2049 CDBGCLSTGA 0% 2412 Foothill Blvd #74 Calistoga 16-CDBGCLSTGA-30 $30,000 8/16/2019 8/16/2049 CDBGCLSTGA 0% 924 Champagne North Calistoga 16CDBGCLSTGA-06 $19,650 5/10/2018 5/10/2048 CDBGCLSTGA 0% 924 Champagne North Calistoga 16-CDBGCLSTGA-35 $10,000 9/20/2019 9/20/2049 CDBGCLSTGA 0% 2412 Foothill Blvd. #157 Calistoga 16-CDBGCLSTGA-03 $11,750 6/22/2018 6/22/2048 CDBGCLSTGA 0% 2412 Foothill Blvd. #73 Calistoga 16-CDBGCLSTGA-26 $30,000 8/22/2019 8/22/2048 CDBGCLSTGA 0% 224 Champagne West Calistoga 16-CDBGCLSTGA-31 $30,000 9/11/2019 9/11/2049 CDBGCLSTGA 0% 2412 Foothill Blvd #47 Calistoga 16-CDBGCLSTGA-22 $22,925 1/11/2019 1/11/2049 CDBGCLSTGA 0% 2412 Foothill Blved Calistoga 16-CDBGCLSTGA-32 $30,000 9/11/2019 9/11/2049 CDBGCLSTGA 0% 1618 Foothill Blvd Calistoga 16-CDBGCLSTGA-20 $60,000 8/29/2019 8/29/2049 CDBGCLSTGA 0% 125 Heather Lane Calistoga 16-CDBGCLSTGA-36 $30,000 9/20/2019 9/20/1949 CDBGCLSTGA 0% 2412 Foothill Blvd. #158 Calistoga 16-CDBGCLSTGA13 $30,000 6/22/2018 6/22/2048 CDBGCLSTGA 0% 2412 Foothill Blvd. #118 Calistoga 16-CDBGCLSTGA-04 $13,750 6/7/2018 6/7/2048 CDBGCLSTGA 0% 2412 Foothill Blvd #60 Calistoga 16-CDBGCLSTGA-10 $22,706 9/7/2018 9/7/2048 CDBGCLSTGA 0% 933 Champagne Drive Calistoga 16-CDBGCLSTA-28 $29,451 7/30/2019 7/30/2049 CDBGCLSTGA 0% 936 Champagne North Calistoga 16-CDBGCLSTGA-21 $29,025 11/1/2018 11/1/2048 CDBGCLSTGA 0% 2412 Foothill Blvd. #72 Calistoga 16-CDBGCLSTGA-25 $30,000 7/1/2019 7/1/2049 CDBGCLSTGA 0% 2412 Foothill Blvd. #106 Calistoga 16CDBGCLSTGA-33 $30,000 9/13/2019 9/13/2046 CDBGCLSTGA 0% Total Outstanding Loans as of June 30, 2021 $840,974
418 Burgundy N Calistoga 16-CDBGCLSTGA-38 $3,500 9/26/2019 9/26/2049 CDBGCLSTGA 0% 2412 Foothill Blvd. #157 Calistoga 16-CDBGCLSTGA-03 $11,750 6/22/2018 6/22/2048 CDBGCLSTGA 0% Total Payments Received as of June 30, 2022 $15,250
6/30/2022 Receivable Balance Total Fund 75 $825,724
AS OF JUNE 30, 2022
CDBG LOANS
CITY OF CALISTOGA
6/1/2023 \\10.206.5.34\cifshare\Data\CivicWeb\Customers\Calistoga\FileStorage\42797F9FBE8A42E6B2143060BA35C5C1-ATTCH 1-3 - CDBG Loan Schedules Item #9.1.
ATTACHMENT 3 FUND 75
Address City Loan #
Loan
Amount Start Date
Maturity
Date
Funding
Source
Interest
Rate
2412 Foothill Blvd. #179 Calistoga 13-HOMECLSTGA-02 20,045 3/18/2015 3/18/2045 HOME 0% 95 Jasmine Lane Calistoga 13-HOMECLSTGA-22 19,935 9/14/2015 9/14/2045 HOME 0% 2412 Foothill Blvd. #122 Calistoga 13HOMECLSTGA-12 19,967 8/17/2015 8/17/2045 HOME 0% 92 Jasmine Lane Calistoga 13-HOMECLSTGA-10 16,265 4/22/2015 4/22/2045 HOME 0% 2412 Foothill Blvd., #120 Calistoga 13-HOMECLSTGA-08 30,060 4/21/2015 4/21/2045 HOME 0% 2412 Foothill Blvd., #79 Calistoga 13-HOMECLSTGA-31 18,199 3/8/2016 3/8/2046 HOME 0% 919 Champagne South Calistoga 13-HOMECLSTGA-05 12,920 3/18/2015 3/18/2045 HOME 0% 2412 Foothill Blvd., #125 Calistoga 13-HOMECLSTGA-14 26,000 10/1/2015 10/1/2045 HOME 0% 108 Ivy Lane Calistoga 13-HOMECLSTGA-09 19,595 5/14/2015 5/14/2045 HOME 0% 2412 Foothill Blvd., #130 Calistoga 13-HOMECLSTGA-07 18,870 3/19/2015 3/19/2045 HOME 0% 2412 Foothill Blvd., #90 Calistoga 13-HOMECLSTGA-19 13,230 8/21/2015 8/21/2045 HOME 0% 151 Wisteria Drive Calistoga 13-HOMECLSTGA-15 15,668 8/21/2045 HOME 0% 1622 Foothill Blvd. Calistoga 13-HOMECLSTGA-04 56,361 4/19/2016 4/19/2046 HOME 0% 2412 Foothill Blvd Calistoga 13-HOMECLSTGA-03 18,375 5/20/2015 5/20/2045 HOME 0% 63 Iris Drive calistoga 13-HOMECLSTGA-16 19,195 9/24/2015 9/24/2045 HOME 0% 2412 Foothill Blvd. #59 Calistoga 13-HOMECLSTGA-11 19,715 3/15/2016 3/15/2046 HOME 0% 49 Magnolia Drive Calistoga 13-HOMECLSTGA-13 20,000 7/15/2015 7/152045 HOME 0% 506 Sherry North Calistoga 13HOMECLSTGA-26 20,025 2/2/2016 2/2/2046 HOME 0% 509 Sherry South Calistoga 13-HOMECLSTGA-20 19,170 10/7/2015 10/7/2045 HOME 0% 2412 Foothill Blvd. #183 Calistoga 13HOMECLSTGA-21 19,774 3/16/2016 3/16/2046 HOME 0% 2412 Foothill Blvd. #118 Calistoga 13-HOMECLSTGA-28 16,058 12/12/2016 12/12/2046 HOMECLSTGA 0% Total Outstanding Loans as of June 30, 2021 439,427
2412 Foothill Blvd Calistoga 13-HOMECLSTGA-03 18,375 5/20/2045 HOME 0% 151 Wisteria Drive Calistoga 13-HOMECLSTGA-15 15,668 8/21/2045 HOME 0% Total Payments Received as of June 30, 2022 34,043
6/30/2022 Receivable Balance Total Fund 75 405,384
CITY OF CALISTOGA
HOME LOANS
AS OF JUNE 30 2022
6/1/2023 \\10.206.5.34\cifshare\Data\CivicWeb\Customers\Calistoga\FileStorage\42797F9FBE8A42E6B2143060BA35C5C1-ATTCH 1-3 - CDBG Loan Schedules Item #9.1.
ATTACHMENT 4
Item #9.1.
ATTACHMENT 5
To the City Council Members of Calistoga,
I’m asking for the City of Calistoga to accept my payment of $30,000 for the unpaid loan of my mother Edyth Gangbin. I’m also asking for the refund of $56,422 for the payment of interest accrued.
In the early 80’s my father left my mom with 8yr & 10yr old kids. My dad left the house half renovated with no doors, windows or indoor plumbing. My mom tried her best to care for us while working full-time at the juvenile hall in Napa, but we quickly had to rely on getting food from the church, food stamps also the food program at school. It wasn’t long before the teachers at school had concerns about our welfare.
When child protective services visited the home they found us all sleeping on one mattress with a blanket covering the front door in the middle of winter. We were placed in foster care until my mom could update the house to reasonable living conditions.
I thank God for the intervention of the City of Calistoga. If the City of Calistoga had not offered my mom this loan she would had never recovered custody of her children. The City of Calistoga was quick to offer my mom a $30,000 loan to upgrade the house to make it safe for the kids. The language of the loan read that as long as she remained financially unstable the payments could be deferred and would not accrue interest. This was to be reevaluated on an annual basis. She remained on LIRA financial assistance offered from the City of Calistoga until She passed away unexpectedly February 2021.
The reason I am asking to pay the $30,000 loan without interest is because that was the intent of the loan. In the four corners of the contract with the language drafted by the City of Calistoga was that “They may forgive the payment of interest for any year in which the owner meets the income guidelines for the Deferred Loan program as determined by the City Loan Committee”
“ City of Calistoga agrees that for Owners on a fixed income, whose source of income does not change, income shall be reverified every five (S) years and the loan term extended.”
The big question now is how much interest if any is reasonable. Looking at the intention of the loan it’s clear that it was intended to help not make money. Based on the situation I cannot imagine the City of Calistoga ever wanting to profit off my mom’s vulnerability.
Item #9.1.
ATTACHMENT 5
In closing what I’m asking for will not cost the City of Calistoga money.
It’s just a refund of my money that I paid in confidence that you would see it the way it was intended in 1985.
Thank you,
Kamron Gangbin
1309 Foothill Blvd.
Calistoga, Ca 94515
(707) 217-9919
Item #9.1.