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        <NamePerson>MARY KAY O'ROURKE</NamePerson>
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        <ManagementAndGeneral>203866</ManagementAndGeneral>
        <Fundraising>154352</Fundraising>
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      <OtherEmployeeBenefits>
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        <Fundraising>13380</Fundraising>
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        <Fundraising>6501</Fundraising>
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        <ManagementAndGeneral>20624</ManagementAndGeneral>
        <Fundraising>8195</Fundraising>
      </FeesForServicesOther>
      <Advertising>
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        <ProgramServices>3027</ProgramServices>
        <Fundraising>71305</Fundraising>
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        <Total>148223</Total>
        <ProgramServices>85022</ProgramServices>
        <ManagementAndGeneral>37961</ManagementAndGeneral>
        <Fundraising>25240</Fundraising>
      </OfficeExpenses>
      <Occupancy>
        <Total>268823</Total>
        <ProgramServices>264428</ProgramServices>
        <ManagementAndGeneral>2930</ManagementAndGeneral>
        <Fundraising>1465</Fundraising>
      </Occupancy>
      <Interest>
        <Total>71683</Total>
        <ProgramServices>71683</ProgramServices>
      </Interest>
      <DepreciationDepletion>
        <Total>61825</Total>
        <ProgramServices>61825</ProgramServices>
      </DepreciationDepletion>
      <Insurance>
        <Total>160699</Total>
        <ProgramServices>126402</ProgramServices>
        <ManagementAndGeneral>33888</ManagementAndGeneral>
        <Fundraising>409</Fundraising>
      </Insurance>
      <OtherExpenses>
        <Description>CONSTRUCTION &amp; SUPPLIES</Description>
        <Total>2830884</Total>
        <ProgramServices>2829781</ProgramServices>
        <ManagementAndGeneral>1103</ManagementAndGeneral>
      </OtherExpenses>
      <OtherExpenses>
        <Description>MORTGAGE DISCOUNT, &amp; AMOR</Description>
        <Total>770339</Total>
        <ProgramServices>770339</ProgramServices>
      </OtherExpenses>
      <OtherExpenses>
        <Description>OTHER</Description>
        <Total>110598</Total>
        <ProgramServices>78329</ProgramServices>
        <ManagementAndGeneral>29995</ManagementAndGeneral>
        <Fundraising>2274</Fundraising>
      </OtherExpenses>
      <OtherExpenses>
        <Description>VEHICLE</Description>
        <Total>69657</Total>
        <ProgramServices>68944</ProgramServices>
        <ManagementAndGeneral>694</ManagementAndGeneral>
        <Fundraising>19</Fundraising>
      </OtherExpenses>
      <AllOtherExpenses>
        <Total>114004</Total>
        <ProgramServices>77075</ProgramServices>
        <ManagementAndGeneral>17306</ManagementAndGeneral>
        <Fundraising>19623</Fundraising>
      </AllOtherExpenses>
      <TotalFunctionalExpenses>
        <Total>6369435</Total>
        <ProgramServices>5661259</ProgramServices>
        <ManagementAndGeneral>391814</ManagementAndGeneral>
        <Fundraising>316362</Fundraising>
      </TotalFunctionalExpenses>
      <CashNonInterestBearing>
        <BOY>962708</BOY>
        <EOY>769858</EOY>
      </CashNonInterestBearing>
      <SavingsAndTempCashInvestments>
        <BOY>502842</BOY>
      </SavingsAndTempCashInvestments>
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        <EOY>11517005</EOY>
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        <EOY>48676</EOY>
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      <LandBuildingsEquipmentBasis>1827346</LandBuildingsEquipmentBasis>
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        <EOY>1323914</EOY>
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      <TotalAssets>
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        <EOY>16890947</EOY>
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      <AccountsPayableAccruedExpenses>
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      <DeferredRevenue>
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        <EOY>10000</EOY>
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      <MortNotesPyblSecuredInvestProp>
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        <EOY>1792983</EOY>
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      <UnsecuredNotesLoansPayable>
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        <EOY>199344</EOY>
      </UnsecuredNotesLoansPayable>
      <OtherLiabilities>
        <BOY>725084</BOY>
        <EOY>12085</EOY>
      </OtherLiabilities>
      <TotalLiabilities>
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        <EOY>2213276</EOY>
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      <FollowSFAS117>X</FollowSFAS117>
      <UnrestrictedNetAssets>
        <BOY>12878919</BOY>
        <EOY>14677671</EOY>
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      <TotalNetAssetsFundBalances>
        <BOY>12878919</BOY>
        <EOY>14677671</EOY>
      </TotalNetAssetsFundBalances>
      <TotalLiabNetAssetsFundBalances>
        <BOY>15798192</BOY>
        <EOY>16890947</EOY>
      </TotalLiabNetAssetsFundBalances>
      <ReconcilationRevenueExpenses>1798752</ReconcilationRevenueExpenses>
      <MethodOfAccountingAccrual>X</MethodOfAccountingAccrual>
      <AccountantCompileOrReview>false</AccountantCompileOrReview>
      <FSAudited>true</FSAudited>
      <FSAuditedBasis>
        <FinancialStatementSeparate>X</FinancialStatementSeparate>
      </FSAuditedBasis>
      <AuditCommittee>true</AuditCommittee>
      <FederalGrantAuditRequired>false</FederalGrantAuditRequired>
    </IRS990>
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      <PubliclySupportedOrg509a2>X</PubliclySupportedOrg509a2>
      <GiftsGrantsContribReceived509>
        <CurrentTaxYearMinus4Years>4380978</CurrentTaxYearMinus4Years>
        <CurrentTaxYearMinus3Years>3702089</CurrentTaxYearMinus3Years>
        <CurrentTaxYearMinus2Years>2557751</CurrentTaxYearMinus2Years>
        <CurrentTaxYearMinus1Year>3036017</CurrentTaxYearMinus1Year>
        <CurrentTaxYear>4412665</CurrentTaxYear>
        <Total>18089500</Total>
      </GiftsGrantsContribReceived509>
      <GrossReceiptsFromAdmissions>
        <CurrentTaxYearMinus4Years>10277400</CurrentTaxYearMinus4Years>
        <CurrentTaxYearMinus3Years>6970735</CurrentTaxYearMinus3Years>
        <CurrentTaxYearMinus2Years>5006082</CurrentTaxYearMinus2Years>
        <CurrentTaxYearMinus1Year>3898286</CurrentTaxYearMinus1Year>
        <CurrentTaxYear>3753522</CurrentTaxYear>
        <Total>29906025</Total>
      </GrossReceiptsFromAdmissions>
      <Total509>
        <CurrentTaxYearMinus4Years>14658378</CurrentTaxYearMinus4Years>
        <CurrentTaxYearMinus3Years>10672824</CurrentTaxYearMinus3Years>
        <CurrentTaxYearMinus2Years>7563833</CurrentTaxYearMinus2Years>
        <CurrentTaxYearMinus1Year>6934303</CurrentTaxYearMinus1Year>
        <CurrentTaxYear>8166187</CurrentTaxYear>
        <Total>47995525</Total>
      </Total509>
      <AmtsRecdFromDisqualPersons>
        <CurrentTaxYear>1863270</CurrentTaxYear>
        <Total>1863270</Total>
      </AmtsRecdFromDisqualPersons>
      <SupportFromDQPsEtc>
        <CurrentTaxYear>1863270</CurrentTaxYear>
        <Total>1863270</Total>
      </SupportFromDQPsEtc>
      <PublicSupportTotal509>46132255</PublicSupportTotal509>
      <GrossInvestmentIncome509>
        <CurrentTaxYearMinus4Years>29905</CurrentTaxYearMinus4Years>
        <CurrentTaxYearMinus3Years>15629</CurrentTaxYearMinus3Years>
        <CurrentTaxYearMinus2Years>9204</CurrentTaxYearMinus2Years>
        <CurrentTaxYearMinus1Year>4711</CurrentTaxYearMinus1Year>
        <Total>59449</Total>
      </GrossInvestmentIncome509>
      <InvestmentIncomeAndUBTI>
        <CurrentTaxYearMinus4Years>29905</CurrentTaxYearMinus4Years>
        <CurrentTaxYearMinus3Years>15629</CurrentTaxYearMinus3Years>
        <CurrentTaxYearMinus2Years>9204</CurrentTaxYearMinus2Years>
        <CurrentTaxYearMinus1Year>4711</CurrentTaxYearMinus1Year>
        <Total>59449</Total>
      </InvestmentIncomeAndUBTI>
      <TotalSupportTotal>
        <CurrentTaxYearMinus4Years>14688283</CurrentTaxYearMinus4Years>
        <CurrentTaxYearMinus3Years>10688453</CurrentTaxYearMinus3Years>
        <CurrentTaxYearMinus2Years>7573037</CurrentTaxYearMinus2Years>
        <CurrentTaxYearMinus1Year>6939014</CurrentTaxYearMinus1Year>
        <CurrentTaxYear>8166187</CurrentTaxYear>
        <Total>48054974</Total>
      </TotalSupportTotal>
      <PublicSupportPercentage509>0.96000</PublicSupportPercentage509>
      <PriorYearSupportPercentage>0.99810</PriorYearSupportPercentage>
      <InvestmentIncomePercentage>0.00000</InvestmentIncomePercentage>
      <ThirtyThreePercntTestsCY509>X</ThirtyThreePercntTestsCY509>
    </IRS990ScheduleA>
    <IRS990ScheduleB documentId="RetDoc1">
      <ContributorInfo>
        <ContributorNumber>RESTRICTED</ContributorNumber>
        <ContributorNameBusiness>
          <BusinessNameLine1>RESTRICTED</BusinessNameLine1>
        </ContributorNameBusiness>
        <ContributorAddressUS>
          <AddressLine1>RESTRICTED</AddressLine1>
          <AddressLine2>RESTRICTED</AddressLine2>
          <City>RESTRICTED</City>
          <State>RESTRICTED</State>
          <ZIPCode>RESTRICTED</ZIPCode>
        </ContributorAddressUS>
        <AggregateContributions>RESTRICTED</AggregateContributions>
      </ContributorInfo>
    </IRS990ScheduleB>
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        <BookValue>233335</BookValue>
      </Land>
      <Buildings>
        <OtherCostOrOtherBasis>377457</OtherCostOrOtherBasis>
        <Depreciation>157174</Depreciation>
        <BookValue>220283</BookValue>
      </Buildings>
      <LeaseholdImprovements>
        <OtherCostOrOtherBasis>380604</OtherCostOrOtherBasis>
        <Depreciation>125243</Depreciation>
        <BookValue>255361</BookValue>
      </LeaseholdImprovements>
      <Equipment>
        <OtherCostOrOtherBasis>388872</OtherCostOrOtherBasis>
        <Depreciation>316491</Depreciation>
        <BookValue>72381</BookValue>
      </Equipment>
      <OtherLandBuildings>
        <OtherCostOrOtherBasis>447078</OtherCostOrOtherBasis>
        <Depreciation>435133</Depreciation>
        <BookValue>11945</BookValue>
      </OtherLandBuildings>
      <TotalOfBookValueLandBuildings>793305</TotalOfBookValueLandBuildings>
      <OtherAssets>
        <Description>LAND HELD FOR FUTURE SALES</Description>
        <BookValue>1323914</BookValue>
      </OtherAssets>
      <TotalBookValueOtherAssets>1323914</TotalBookValueOtherAssets>
      <OtherLiabilities>
        <Description>OTHER DEPOSIT LIABILITIES</Description>
        <Amount>12085</Amount>
      </OtherLiabilities>
      <TotalOfAmounts>12085</TotalOfAmounts>
      <TotRevenueEtcAuditedFinclStmt>8168187</TotRevenueEtcAuditedFinclStmt>
      <RevenueSubtotal>8168187</RevenueSubtotal>
      <TotalRevenuePerForm990>8168187</TotalRevenuePerForm990>
      <TotExpensesEtcAuditedFinclStmt>6369435</TotExpensesEtcAuditedFinclStmt>
      <ExpensesSubtotal>6369435</ExpensesSubtotal>
      <TotalExpensesPerForm990>6369435</TotalExpensesPerForm990>
    </IRS990ScheduleD>
    <IRS990ScheduleM documentId="RetDoc6">
      <RealEstateResidential>
        <NonCashCheckbox>X</NonCashCheckbox>
        <NumberOfContributions>1</NumberOfContributions>
        <NoncashContribsRptdF990>33217</NoncashContribsRptdF990>
        <MethodOfDeterminingRevenues>FAIR MARKET VALUE</MethodOfDeterminingRevenues>
      </RealEstateResidential>
      <OtherNonCashContributionsTable>
        <NonCashCheckbox>X</NonCashCheckbox>
        <Description>BUILDING SUPPLI</Description>
        <NumberOfContributions>1</NumberOfContributions>
        <NoncashContribsRptdF990>350603</NoncashContribsRptdF990>
        <MethodOfDeterminingRevenues>FAIR MARKET VALUE</MethodOfDeterminingRevenues>
      </OtherNonCashContributionsTable>
      <AnyPropertyThatMustBeHeld>false</AnyPropertyThatMustBeHeld>
      <ReviewProcessUnusualNCGifts>true</ReviewProcessUnusualNCGifts>
      <ThirdPartiesUsed>false</ThirdPartiesUsed>
    </IRS990ScheduleM>
    <IRS990ScheduleO documentId="RetDoc7">
      <GeneralExplanation>
        <Identifier>ORGANIZATION'S MISSION</Identifier>
        <ReturnReference>FORM 990 - ORGANIZATION'S MISSION</ReturnReference>
        <Explanation>PROVIDE AFFORDABLE HOUSING FOR LOW INCOME FAMILIES IN THE JACKSONVILLE, FLORIDA AREA WHO HAVE DEMONSTRATED A HOUSING NEED, HAVE THE ABILITY TO REPAY A NON-INTEREST BEARING MORTGAGE, AND HAVE THE WILLINGNESS TO VOLUNTEER 300 HOURS OF THEIR TIME TO THE PROJECT. THESE HOUSES ARE CONSTRUCTED WITH THE ASSISTANCE OF VOLUNTEER LABOR.</Explanation>
      </GeneralExplanation>
      <GeneralExplanation>
        <Identifier>EXPLANATION ON VOLUNTEERS AND TYPES OF SERVICES OR BENEFITS</Identifier>
        <ReturnReference>FORM 990, PAGE 1, PART I, LINE 6</ReturnReference>
        <Explanation>VOULUNTEERS ASSIST IN BUILDING QUALIFIED LOW INCOME HOMES.</Explanation>
      </GeneralExplanation>
      <GeneralExplanation>
        <Identifier>ORGANIZATION'S PROCESS USED TO REVIEW FORM 990</Identifier>
        <ReturnReference>FORM 990, PAGE 6, PART VI, LINE 11B</ReturnReference>
        <Explanation>NO REVIEW WAS OR WILL BE CONDUCTED.</Explanation>
      </GeneralExplanation>
      <GeneralExplanation>
        <Identifier>COMPENSATION PROCESS FOR TOP OFFICIAL</Identifier>
        <ReturnReference>FORM 990, PAGE 6, PART VI, LINE 15A</ReturnReference>
        <Explanation>EXECUTIVE DIRECTOR SALARY REVIEWED AND SET BY BOARD OF DIRECTORS.</Explanation>
      </GeneralExplanation>
      <GeneralExplanation>
        <Identifier>GOVERNING DOCUMENTS DISCLOSURE EXPLANATION</Identifier>
        <ReturnReference>FORM 990, PAGE 6, PART VI, LINE 19</ReturnReference>
        <Explanation>NO DOCUMENTS AVAILABLE TO THE PUBLIC</Explanation>
      </GeneralExplanation>
    </IRS990ScheduleO>
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        <NameOfDisregardedEntity>
          <BusinessNameLine1>HABITAT RESOURCES OF DUVAL COUNTY</BusinessNameLine1>
        </NameOfDisregardedEntity>
        <AddressUS>
          <AddressLine1>2404 HUBBARD STREET</AddressLine1>
          <City>JACKSONVILLE</City>
          <State>FL</State>
          <ZIPCode>32206</ZIPCode>
        </AddressUS>
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        <PrimaryActivities>CONSTRUCTI</PrimaryActivities>
        <LegalDomicileState>FL</LegalDomicileState>
        <ExemptCodeSection>501C3</ExemptCodeSection>
        <PublicCharityStatus>7</PublicCharityStatus>
        <DirectControllingEntityNA>N/A</DirectControllingEntityNA>
        <ControlledOrg>false</ControlledOrg>
      </Form990ScheduleRPartII>
      <ReceiptOfIntAnnRentsRoyalties>false</ReceiptOfIntAnnRentsRoyalties>
      <GiftGrantOrCapContrToOtherOrg>false</GiftGrantOrCapContrToOtherOrg>
      <GiftGrantOrCapContrFrOtherOrg>false</GiftGrantOrCapContrFrOtherOrg>
      <LoansOrGuaranteesToOtherOrg>false</LoansOrGuaranteesToOtherOrg>
      <LoansOrGuaranteesFromOtherOrg>false</LoansOrGuaranteesFromOtherOrg>
      <DividendsRelatedOrganization>false</DividendsRelatedOrganization>
      <SaleOfAssetsToOtherOrg>false</SaleOfAssetsToOtherOrg>
      <PurchaseOfAssetsFromOtherOrg>false</PurchaseOfAssetsFromOtherOrg>
      <ExchangeOfAssets>false</ExchangeOfAssets>
      <RentalOfFacilitiesToOtherOrgs>false</RentalOfFacilitiesToOtherOrgs>
      <RentalOfFacilitiesFrOtherOrgs>false</RentalOfFacilitiesFrOtherOrgs>
      <PerformOfServicesForOtherOrgs>false</PerformOfServicesForOtherOrgs>
      <PerformOfServicesByOtherOrgs>false</PerformOfServicesByOtherOrgs>
      <SharingOfFacilities>true</SharingOfFacilities>
      <SharingOfPaidEmployees>true</SharingOfPaidEmployees>
      <ReimbursementPaidToOtherOrg>false</ReimbursementPaidToOtherOrg>
      <ReimbursementPaidByOtherOrg>false</ReimbursementPaidByOtherOrg>
      <OtherTransferToOtherOrg>false</OtherTransferToOtherOrg>
      <OtherTransferFromOtherOrg>false</OtherTransferFromOtherOrg>
    </IRS990ScheduleR>
  </ReturnData>
</Return>