Community Development


Bradford County’s Community Development Department offers incentives to low income individuals and families to assist with home repairs or with the purchase of a home.

To determine if you are low income, click here.

If you are interested in applying, your must first sign your name to our waiting list.  Our office is located in Suite E of 925 North Temple Avenue in Starke, Florida. You will be contacted to let you know when funds become available.

Purchase Assistance funds can be used for the down payment and closing costs associated with the purchase of a home.  You must complete our Homeownership classes and be pre-approved with your first mortgage lender before your SHIP application will be approved.

Repair Assistance funds can be used for home repairs related to health, safety, and sanitation. 

For more information on the SHIP program, click here.

For more information of the Small Cities Community Development Block Grants, click here.



On January 7, 1991, the Board of County Commissioners of Bradford County, Florida adopted Ordinance No. 90-11, which established the policy of the County to promote equal opportunity to obtain adequate housing by all persons, regardless of race, color, religion, sex, familial status, handicap or national origin.

This ordinance is available for public inspection at the Office of the Community Development Director located at 925-E North Temple Avenue, Starke, Florida 32091 Monday through Friday between the hours of 8:00 A.M. and 5:00 P.M.

Any aggrieved person may file a complaint of a housing discrimination act with the:

Florida Commission on Human Relations
2009 Apalachee Parkway Suit 100
Tallahassee, Florida 32301
Toll-free Telephone:  1-800-342-8170


U.S. Department of Housing and Urban Development
451 Seventh Street, S.W.
Washington, D.C. 20410
Toll-free Telephone:  1-800-669-9777

For questions, or to request information locally about fair housing, you may contact Kelly Canady the Fair Housing Coordinator and Community Development Director by telephone at (904) 966-6382.      


Mailing Address:      Bradford County Community Development
                                    P. O. Drawer B
                                    Starke, FL  32091

Physical Location:   925 North Temple Avenue, Suite E
                                    Starke, FL  32091

Phone:                       (904) 966-6382
Fax:                            (904) 966-6384



For questions about Equal Employment Opportunities and/or Section 504 procedures reguarding the Americans With Disabilities Act, please contact the Equal Employment Opportunity Coordinator and the Section 504 / Americans With Diabilities Coordinator, Brad Carter, County Manager at 904-966-6327.



The Federal government has allocated funding to help pay the mortgage of qualified homeowners who are unemployed or underemployed through no fault of their own. The Florida Hardest-Hit Fund (HHF) program aims to assist qualified Florida homeowners by providing mortgage assistance for up to 12 months (capped at $24,000), or until the homeowner finds adequate employment to resume paying the mortgage (whichever comes first), with up to $18,000 available to reinstate a delinquent first mortgage prior to payments being made, Additionally, for a homeowner who is recovering from unemployment/underemployment, up the $25,000 is available as a one-time payment to reinstate a delinquent first mortgage.

HHF assistance is paid directly to the loan servicer/lender for those homeowners deemed eligible to participate in the program.

To find out if you qualify for assistance, please visit the HHF official website  to review eligibility criteria and to apply; please use referral code 05071 when completing your application. For further questions, contact the Hardest-Hit Toll-Free Information line at

1-(877) 863-5244, Monday-Friday, 9:00 a.m.– 5:00p.m.

Bradford County SHIP is an approved HHF Advisor Agency. After reviewing HHF program benefits/guidelines and eligibility criteria on the official HHF website, you may contact us for a pre-screening at:

Phone - 904-966-6382
Fax - 904-966-6384
Email -


Bradford County Courthouse| 945 North Temple Ave| Starke, FL 32091
Phone: (904) 966-6280
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