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18500 Murdock Circle
Port Charlotte, FL 33948

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Housing Services


Long Term Disaster Recovery

Take the Long Term Disaster Recovery survey to help us and our partners assess the housing needs of our residents and consider requests for continued hurricane recovery assistance.

SHIP Disaster Assistance Program

NOTICE - PROGRAM CLOSED 5:00 PM Friday, October 28, 2022.  Applications no longer accepted at this time.

11.23.2022 Update

An email/call went out to over 150 applicants today who meet threshold criteria (household member over 60, assessed home value within statutory limit, income at or below 80% area median income) and whose files are substantially complete to inform them that they have been assigned to a case manager for final processing.  Emails went out to over 300 ineligible households last week.  If you have not received an email from our Neighborhood Services team, you are on a waiting list.  We will update this page with information about additional funding or other programs that may assist with home repairs and other unmet needs.  Again, we thank you for your patience.  

11.15.2022 Update

Staff are conducting desk reviews of all 1,365 applications now and will follow up with one of 3 emails in the coming days:

  1. Preliminary eligibility; priority group (income < 80% AMI, assessed home value within SHIP limit, and household member over 60) - file assigned to a case manager who will be in contact to finalize documents and work with applicant through insurance/FEMA settlements and payment of remainder up to deductible amount (not to exceed $12,000) to licensed/insured contractors upon final inspection (as required); or
  2. Preliminary eligibility; waiting list (income < 80% AMI, assessed home value within SHIP limit) - will be assigned for case management if/when additional funding is available; or
  3. Ineligible; denied (income > 80% AMI, assessed home value above SHIP limit, not seeking deductible assistance, insufficient information provided to determine preliminary eligibility; other denial reasons

See previous update for further detail.

11.07.2022 Update

Due to the overwhelming response and the limited amount of SHIP funding, staff are prioritizing applications to assist seniors and those with the lowest income first.  All applications will be processed, and those meeting income criteria will be considered for other Human Services programs as appropriate.  We appreciate your patience. 

We understand that early communications indicated that a case manager would contact applicants within the first couple of days.  In reality, this has not been possible.  Staff are conducting desk reviews of over 1,300 applications submitted by the deadline of 5:00 p.m. October 28th in the order they were received to identify and prioritize those meeting the following criteria first:

  • At least one household member over 60 years of age
  • Household income below 80% AMI
  • Home value less than the statutory cap for SHIP assistance - $349,525

Households meeting this "threshold criteria" will be assigned to a case manager who will work with the applicant through the insurance/FEMA and home repair process to identify eligible expenses that can be paid with SHIP funds.  Payments will be made to the licensed, insured contractor hired by the homeowner to perform the repairs.  SHIP payments for eligible repairs cannot be made until after the work is complete (and inspected, if required) and proof is provided that insurance/FEMA payments were applied first.  Guidance from Florida Housing Finance Corporation advises this will be a long process, requiring insurance and FEMA settlement prior to assistance to those households with remaining unpaid, unmet repair needs.

Those with reported income above 80% AMI and/or assessed home values above $349,525 will be notified of their ineligibility for SHIP assistance as soon as possible.  Income eligible households with no seniors residing in the home will be placed on a waiting list for SHIP and/or other programs that may be able to assist with insurance deductibles.  

Funding is limited.  Not all eligible applicants will receive assistance.  Should additional funding be allocated, those on the waiting list will be served first.  Based on available funding, the application window may be reopened at a later date.

We appreciate your patience as we work through this tedious process. Re-visit this page for future updates.

Charlotte County Housing Division

Help Paying Housing Costs:

  • Rent/Mortgage/Utility Assistance
  • Down-payment Assistance
  • Home Repairs

Affordable Housing in Charlotte County:

Affordable Housing Development 

Charlotte HOME (Housing Opportunities Made Easier), an incentive program for affordable housing developers, was adopted by the Board of County Commissioners (BCC) on July 28, 2020 to reduce barriers and attract developers of affordable housing to Charlotte County. Available incentives include (but are not limited to): expedited permitting; impact fee waiver; land donation; density; developer fee subsidy; etc. Applications for incentives are reviewed by a panel of representatives from: Community Development; Human Services/Housing; and Utilities. Incentives are determined on a tiered basis contingent upon the score achieved on the prioritization matrix. Tier II, III and IV applications require AHAC and BCC approval. The review committee can be reached at

Contractor Recruitment

The Charlotte County Housing Division is seeking licensed and insured contractors to work with the SHIP Housing Rehabilitation Program.  Recruitment Notice

Affordable Housing Advisory Committee

The Affordable Housing Advisory Committee (AHAC) is mandated by ​state statute and enforced within Charlotte County by Resolution 2008-070. Members are appointed by the Board of County Commissioners (BCC). The AHAC meets bi-monthly to review housing policies and funding and make recommendations to the BCC. The Committee also approves the county’s Local Housing Assistance Plan (LHAP) every three years.

Fair Housing

It is the policy of the County of Charlotte, in keeping with the laws of the United States, of America and the spirit of the Constitution of the State of Florida, to promote through fair, orderly and lawful procedure the opportunity for each person so desiring to obtain housing of such person's choice in this county, without regard to race, color, ancestry, national origin, religion, sex, marital status, familial status, handicap or age, and, to that end, to prohibit discrimination in housing by any person.
(Ord. No. 96-003, § 2, 2-6-96)

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Colleen K. Turner, Senior Manager/SHIP Administrator
Rich Gromalski, Charlotte HOME Coordinator/Fair Housing Coordinator

Housing Services
21500 Gibralter Dr. Unit 1
Port Charlotte, FL 33952
Phone: 941.833.6500

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