cuyahoga land bank blog - tax foreclosure one offs...
TRANSCRIPT
Tax Foreclosure one offs,
batches and the NST
Michael Schramm
Director of IT and Research
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Requesting a tax foreclosure
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• Batching – Cuyahoga Land Bank uses
data analysis to supply Treasurer’s office
with tax foreclosure candidates that
comply with land banking acquisition
criteria
• One offs – tax foreclosure request for an
immediate end user or action
– Pass through needs to be signed if parcel
does not meet Cuyahoga Land Bank
acquisition criteria
Requesting a One-off
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• Vacant Structures – Cuyahoga Land Bank
is clearinghouse (Kim Steigerwald)
• Vacant Land in Cleveland – City of
Cleveland Land Bank is clearinghouse.
There’s gotta be a better way!
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What is the NST Web App?• Online, interactive, regularly updated property data interface
– Searchable
– Filterable
– Sortable
– Map-able
– Downloadable
• Geographically referenced
– Wards, County council districts
– Target areas (sii, nsp2, economic development)
– Census (blocks, tracts, etc)
– Municipal and neighborhoods
• Parcel- level
• Current snapshot (updated weekly)6
Community-driven
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Data Sources
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• Cuyahoga Land Bank (pending acquisitions, acquisitions,
dispositions, demos, renovations, etc)
• Foreclosure filings
• Sheriff sales
• Forfeiture (sheriff sale tab)
• Transfers
• Fiscal Officer and Treasurer (characteristics, delinquent taxes, tax
mailing address)
• Cleveland Building and Housing (demo, violations, complaints,
rental registration, cert of occupancy, cert of disclosure, inspections,
permits, housing court prosecutions)
• Cleveland Housing Court – Community Control Properties
• Cuyahoga County Demolition Fund
• TCI/WRLC survey (Cleveland and East Cleveland)
Added Value
• Data mining- key text phrases like
“confirmation of sale” and “decree of
foreclosure”
• Data proxies
– Probable vacant lots
• No building value
• Not tax abated
• Demolished by City of Cleveland, suburbs,
Cuyahoga Land Bank9
Data proxies
• Destabilization indicator- tracks the where the property is in relation to the foreclosure process– At-risk
– Active foreclosure case
– Inactive foreclosure case
– Dismissed foreclosure case
– Scheduled for sheriff’s sale
– Sheriff’s sale withdrawn or vacated
– Sold at sheriff’s sale, deed recorded
– Sold at sheriff’s sale, deed NOT recorded
– In REO ownership
– Out of REO ownership
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Searchable
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Filterable• Search data
set by any
characteristic
(foreclosure
status, last
sale date,
geography)
• All data is
filterable
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Sortable
Sorted in
descending
order by tax
delinquency
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Map-able
Tax
delinquencies
$500- $1,000 in
Cleveland
Heights
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Cuyahoga Land Bank – NEO CANDO –
NST Data Trajectory TiersTier 1 – UNDER CONROL
•In Cuyahoga Land Bank Inventory
•Properties pending transfer to Cuyahoga Land Bank
•In Municipal Land Bank Inventory
•State Forfeiture
Tier 2 – ABOUT TO BE UNDER CONTROL
•Nuisance Demo (Municipal/Cuyahoga Land Bank)
•Tax foreclosure Affidavit to Municipal Land Bank)
•Tax foreclosure Affidavit to Cuyahoga land Bank
•Fannie Mae
•HUD
Tier 3 – CAN STEER TO PRODUCTIVE USE
•Tax foreclosure affidavit – not sent to a Land Bank
•Tax foreclosure (not dismissed)
•Tax delinquency
Tier 4 – OTHER VACANT/BLIGHTED
•Mortgage foreclosure (not dismissed)
•Bank Owned (not HUD or Fannie Mae)
•Other vacant lot
•Other vacant structure 16
Tiers 1, 2, 3 adjacency
analysis greater than 2
acres17
• First filter HB 294 fast track eligible and is NOT already in
tax foreclosure system (vacant lot/vacant structure)
• Second filter eliminate properties that do not meet land
bank acquisition criteria (commercial/industrial/large apartment
bldgs)
• Third filter properties land banks want
– target areas (NSP2, CDC, Economic Development)
– vacant structures in nicer neighborhoods/suburbs (potential
renovation or resale)
– land aggregations (tier 3 properties [tax delinquent adjacent
to other tax delinquent/tax foreclosure/land bank owned
properties “aggregations”])
Using NST for
tax foreclosure batching
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• Batch 1 - Most Likely to be HHF demolitions
– Condemned by Cleveland
– D/F Vacant Structures from TCI survey
– Not part of Cuyahoga County Demo Fund
• Batch 2 - Regular batch
– vacant lots in aggregations
– Vacant lots created recent nuisance abatement demolitions
– houses in tipping point neighborhoods that are not Ds/Fs that
could be renovation or demolition candidates
– Vacant houses/vacant lots in target areas
Two 2016 batches
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