Attention Standish Township Residents
A public hearing will be held on October 4, 2021, at the Standish Township Hall, corner of State and Bordeau, at 6:00PM, to hear changes to the Standish Township zoning ordinance book on fences. Written comments can be mailed to Dale Raymond, 5862 South Huron, Pinconning, MI 48650
Listed below consist of the proposed changes:
Definitions added to the back of the book, Fence: A barrier, railing, or other upright structure typically of wood or wire, enclosing an area of ground to make a boundary control access, or prevent escape. Fence Height: height is measured from the ground level adjacent to the primary structure wall, provided that fill shall not be permitted for the purpose of achieving a higher fence or wall than otherwise would be permitted. Waterfront Property: Property that has frontage on a lake, river, channel or canals.
In section 5.4.1, Residential Zoning District, 5.4.2 Agricultural Preservation Zoning District, 5.4.3, Local Service Commercial Zoning District and 5.4.4, General Commercial Zoning District and 5.4.5 Forest and Recreation Zoning District, in the bottom of the pages in Other District Requirements insert amended effective xx/xx/xxxx. Then insert Fencing: see Article 2.15 and 2.16 for general fence requirements, including permits. For waterfront property, the front yard is the side facing the water. No fence, screen, wall, hedge or the like that exceeds 30 inches in height shall be extended, constructed or located within the front yard setback of any waterfront property.
In section 5.4.6, Lakeshore Zoning District; at the bottom of the page, insert in Additional District Requirements: amended effective xx/xx/xxxx. Fencing: see Article 2.15 and 2.16 for general fence requirements, including permits. For waterfront property, including channels, or canals, the front yard is the side facing the water. No fence, screen, wall, hedge or the like shall be extended, constructed or located within the front yard setback of any waterfront property. No fence, screen, wall, hedge or the like shall exceed 30 inches in height in the lakeshore district.
Amended Effective xx/xx/xxxx
Intent: the intent is to provide reasonable regulations for fence installation while allowing property owners the ability to install a fence for aesthetic, screening, separating, security purposes, as well as protecting the front view for lakeshore or waterfront property. See zoning district for specific requirement.
a. Permit required: prior to the construction of any fence or wall, the property owner shall obtain a zoning permit from the township zoning administrator.
b. Survey: the township zoning administrator may require the owner of the property upon which a fence is to be constructed to establish property lines through the placing of permanent stakes by a licensed surveyor at the property owner’s expense. Property lines shall be established before construction of the fence
c. Fences located in front, side and rear yards shall be installed with the finished side facing toward adjacent properties.
a. Fence Height: Height is measured from ground level adjacent to the primary structure wall provided that fill shall not be permitted for the purpose of achieving a higher wall or fence than otherwise would be permitted. See illustration 11-7 for added information in height.
b. It shall be unlawful to erect a fence consisting or constructed of tires, vehicle parts, rotting lumber, pallets, trash, or any materials capable of providing habitat for pest or vermin.
c. Fence or Wall Material: Fences shall be constructed of good quality materials ordinarily and customarily used in residential fence construction. Cage wire fences, chicken wire fences, single strand wire fences, fences that carry electric current, fences most suitable to contain horses and livestock, and other fences more commonly used in farming, or livestock operation shall be prohibited. Wall shall be constructed of durable materials that are architecturally compatible with the materials used on the façade of the principle structure on the site.
d. Fence and Wall Maintenance: Fences and walls shall be maintained in good condition and disrepair shall be replaced, removed or repaired. Unless prohibited by zoning district regulations, fences, walls, and similar enclosures are not subject to the setback provisions established by those regulations. Fences erected before the effective date of this amendment shall be non-conforming in areas where they are now prohibited and cannot be rebuilt once they have fallen into disrepair. Replacement fences must now comply with current district requirements
e. Barbed or electric wire fences are permitted in the agriculture district only. Barbed wire cradles may be placed on top of fences enclosing public utility buildings or wherever deemed necessary by the zoning administrator in the interest of public safety.
f. For all other properties, fences, walls, structures or plantings shall not exceed thirty (30) inches in front yard and six (6) feet in the side and rear yard.
Pool and fence enclosures- see Michigan Residential Code and/or Michigan Building Code..
2.16 Fencing - Clear Vision
Amended Effective xx/xx/xxxx
See zoning districts for specific requirements.
See Illustration figure 11-7
a) Clear Vision Area: No structure, fence, wall or planting, permanent or portable, shall be erected, established or maintained on any lot which will obstruct the view of drivers in vehicles approaching an intersection of two roads or the intersection of a road and a driveway. Fences, walls structures or plantings located in the triangular area described below shall not obstruct vision between a height of thirty (30) inches and six (6) feet above the lowest point of the intersection road.
Trees shall be permitted in the triangular area provided that limbs and foliage are trimmed so that they do not extend into the clear vision area or create a hazard. Landscaping or ground cover shall not be located closer than three (3) feet to the edge of any driveway or road pavement within the triangular area.
The unobstructed triangular area is described as the area formed at the corner intersection of two road right of way lines: the two (2) sides of the triangular area being twenty (20) feet in length measured along abutting public rights of way lines, and third side being connecting
these two sides, or the area formed at the corner intersection of a public right of way and a driveway, the two (2) sides of the triangular area being ten (10) feet in length measured along the right of way line and edge of the line driveway and third side being a line connecting these two sides.
b) Corner Clearance: fences or walls shall comply with the specifications of the clear vision. No fence, wall, structure, or planting more than thirty (30) inches in height shall be established or maintained with twenty five (25) feet of the intersection of any road right of way lines, including railroad right of ways.
On the corner lots the following regulations shall apply on the yard facing a road. A six (6) foot height fence shall be permitted provided it does not extend closer to the street than any portion of the principle dwelling. A thirty (30) inch high fence may be erected in the setback area, provided that any such fence shall be non-obscuring in design and not closer than five (5) feet to a road right of way. Walls on a corner parcel shall not be permitted to extend closer to the road than any portion of the principal building.
c) Obstruction to Use of Adjoining Property: No fence or wall, planting shall be erected where it would prevent or unreasonably obstruct the use of adjacent property. Nor shall a fence or wall be erected where it would obstruct or prevent the continued safe use of an existing driveway or other legal means of access to adjacent property. In enforcing this provision, the zoning administrator may require a fence or wall to be set back a minimum distance from a driveway or property line.
The Single-Family Housing 502 Direct Loan Program assists low and very low-income applicants obtain decent, safe, and sanitary housing in eligible rural areas by providing payment assistance to increase an applicant’s repayment ability. Payment assistance is a type of subsidy that reduces the mortgage payment for a short time. The amount of assistance is determined by the adjusted family income and debt to income ratio.
Who may apply for this program? Several factors are considered when determining an applicant’s eligibility for the 502 Direct Loan Program. At a minimum, applicants interested in obtaining a direct loan must have an adjusted income that is at or below the applicable low-income limit for the area where they wish to buy a house and they must demonstrate a willingness and ability to repay debt.
How may funds be used? Loan funds may be used to help low-income individuals or households purchase homes in rural areas. Funds can be used to build, repair, renovate, or relocate a home, or to purchase and prepare sites, including providing water and sewage facilities
APLICANT’S ELIGIBILITY REQUIREMENTS: PROPERTY REQUIREMENTS:
· Be without decent, safe, and sanitary housing.
· Be unable to secure credit from conventional resources.
· Meet citizenship or eligible noncitizen requirements.
· Agree to occupy the property as your primary residence.
· Have adequate and dependable income.
· Have adequate repayment ability.
· Have an adequate credit history.
· Not be suspended or debarred from participation in federal programs
· Have the legal capacity to incur a loan obligation.
· Have access to capital for the following fees:
o credit report fee ($25.00 non- refundable, due at the time of application);
o home inspection fee ($550 average, may be refunded with loan funds).
o First year homeowner’s insurance ($900-1,200 average, may be refunded with loan funds).
o Closing costs (average of $3,500 which include an appraisal and tax service fee. May be refunded with loan funds or seller concessions.)
· No down Payment
· No PMI (Private Mortgage Insurance).
· Property must be in an eligible rural area. What is an eligible area? Generally, rural areas with a population less than 35,000 are eligible. Visit the USDA Income and Property Eligibility website for complete details.
· Must not have a market value in excess of the applicable area loan limit. (Max is $265,400)
· Be modest in size for the area.
· Must not be larger than 2,000 square feet.
· Must not be designed for income producing activities.
· Must not have an in-ground swimming pool.
· Must have access to its own water and waste facilities
· Cannot be on a private road
· Property must not be dividable.
· No existing manufactured homes. Existing modular is allowed. New manufactured homes provided by an approved dealer is allowed.
· Existing dwellings require a whole home inspection.
· Repairs: Based on a Home Inspection some repairs may be required to meet decent, safe & sanitary standards. Required repairs may be included in loan contingent upon appraisal and loan eligibility being high enough to cover cost.
· Current interest rate is 2.50%
· Payback period is 33 years with a 38-year payback for very low-income applicants who can’t afford the 33-year loan term.
· Subsidy may be available.
· No deadline to apply.
HOW TO GET STARTED?
Does your income fall at or below the income in the following chart based on the county you want to live in and household size?
ADJUSTED MAXIMUM INCOME LIMITS: Based on Family Size
1-4 in household
5-8 in household
Maximum Property Value
Arenac, Clare, Iosco, Gladwin, Ogemaw, Roscommon, Huron, Sanilac, Bay, Tuscola and Gratiot
If your income is above the ranges in the income chart you may be eligible for an SFH Guaranteed Loan. You can find more information on the SFH Guaranteed Program at https://www.rd.usda.gov/programs-services/single-family- housing-guaranteed-loan-program
If your income is at or below the ranges in the chart above. Please visit our online eligibility assessment tool to determine if you may be eligible for the SFH 502 Direct Loan Program at: https://eligibility.sc.egov.usda.gov/eligibility/welcomeAction.do?pageAction=assessmentType
PLEASE NOTE: This assessment tool is based on unverified information and does not confirm that you will be eligible for the SFH 502 Direct Loan Program.
Prior to starting the online assessment tool, Rural Development encourages you to obtain a copy of your credit report. You can access a copy of your credit report by visiting https://www.annualcreditreport.com or calling 1-877- 322-8228. Having a copy of your credit report will help you fill out the online assessment tool as accurately as possible. Rural Development recommends saving a copy of your credit report to be reviewed. The Assessment tool does not provide a full credit evaluation.
Once you have completed the online eligibility assessment tool, we ask that you call Rural Development to discuss your results. Rural Development can be reached at 989-673-8173 x 4 (Caro) or 989-345-5470 x 4 (West Branch). This will allow Rural Development to discuss your results and outline the next steps in the process. We ask that you call regardless of your online eligibility assessment tool results. If your results were not favorable, Rural Development will be able to help by giving you the information you need to correct any issues.
If you do not have access to a computer to complete the online eligibility assessment tool or have questions before you start, Rural Development can help. Just give us a call and we can assist you.
Rural Development Rural Development
1075 Cleaver Road 240 W. Wright Street
Caro, MI 48723 West Branch, MI 48661
989-673-8173 x 4 989-345-5470 x 4
Indicators of Unacceptable Credit
· Little or no credit history. The lack of credit history on the credit report may be mitigated if the applicant can document a willingness to pay recurring debts through other acceptable means such as third-party verifications or canceled checks. Due to impartiality issues, third party verifications from relatives of household members are not permissible.
· Payments on any installment account where the amount of the delinquency exceeded one installment for more than 30 days within the last 12 months.
· Payments on any revolving account which was delinquent for more than 30 days on two or more occasions within the last 12 months.
· A foreclosure that has been completed within the last 36 months.
· An outstanding Internal Revenue Service (IRS) tax lien or any other outstanding tax liens with no satisfactory arrangement for payment.
· Two or more rent or mortgage payments paid 30 or more days late within the last 2 years. If the applicant has experienced no other credit problems in the past 2 years, only 1 year of rent history will be evaluated. This requirement may be waived if the program loan will reduce shelter costs significantly and contribute to improved repayment ability.
· Outstanding collection accounts with a record of irregular payments with no satisfactory arrangements for repayment, or collection accounts that were paid in full within the last 6 months, unless the applicant had been making regular payments previously.
· Non-Agency debts written off within the last 36 months, unless the debt was paid in full at least 12 months ago.
· Agency debts that were debt settled within the past 36 months or are being considered for debt settlement.
· Delinquency on a federal debt.
· A court-created or court-affirmed obligation or judgment caused by nonpayment that is currently outstanding or has been outstanding within the last 12 months, except:
o A bankruptcy in which:
o Debts were discharged more than 36 months prior to the date of application; or
o Where an applicant successfully completed a bankruptcy debt restructuring plan and has demonstrated a willingness to meet obligations when due for the 12 months prior to the date of application.
o A judgment satisfied more than 12 months before the date of application.
Eligibility Assessment Tool Instructions
Select: One of the following from the drop-down box.
Build a Single-Family Home
Purchase a Single-Family Home
Refinance an Existing Single-Family Home
Select: Your State and the County you would like to purchase in.
Next you will answer the following questions: Applicant: 1 – This Is automatically input
Number of Co-Applicants: Only use if you are applying with another person
Number of (Minor) Dependents: Under the age of 18
Number of Full-time Students 18 Years or older: This is for adults in the household that are not applicants
Number of other adult household members: Over the age of 18, not including applicants
Total number of people in the household: including applicants and co applicants
Is the Loan Applicant or Co-Applicant at least age 62 (or a disabled person)? Answer Yes or No
Are there any Disabled Persons living in the household? Answer Yes or No
Estimated Annual Property Taxes: Ranges from $2,000 to $4,000 on average depending on your location and property value.
Estimated Annual Insurance: Ranges from $900 to $1,200 on average
Estimated Annual Homeowners Association Dues: Not often used. Depends on the property being purchased.
You can add columns for additional income if you have more than one income sources. For those with co-applicants and other adults in the household with income. It will have you enter their income in as well.
This includes credit cards, installments, and other lines of credit. This does not need to included rent, household utilities, car/ health insurance, etc. You can add as many rows as you need for each credit item.
Next step is to review credit. (See possible indicators of unacceptable credit.)
You can access a copy of your credit report by visiting https://www.annualcreditreport.com Answer the credit questions as they apply to you.
Once you have entered in the following information the assessment tool with indicate whether you may or may not be eligible. Please Note this is based on unverified information and does not guarantee you will be eligible.
STANDISH TOWNSHIP, ARENAC COUNTY MICHIGAN
SUMMARY OF STANDISH TOWNSHIP ORDINANCE NO. 21-01.
Summary of Standish Township Ordinance No. 21-01, an Ordinance establishing and amending the Standish Township Water Ordinance was adopted by Standish Township Board of Trustees at its regular meeting on May 10, 2021.
Section 1: Mandatory Connection. This Section provides that all premises located in the Township of Standish are required to connect to and use the Township of Standish Municipal Water System within 180 days unless a variance has been specifically granted to a particular premise by the Township of Standish Township Board consistent with the requirements of the Ordinance. This Section also establishes a variance procedure by which a property owner may seek a variance from the aforesaid requirement.
Section 2: Ratification. This Section re-approves and ratifies all other provisions of the Standish Township Water Ordinance.
Section 3: Pending Proceedings Not Affected. This Section provides that no just or legal right or remedy will be lost, impaired, or affected by the Ordinance.
Section 4: Severability. This Section states that if any part of the Ordinance is found to be invalid, the remainder of the Ordinance will remain in effect.
Section 5: Repeal. This Section states that any Standish Township ordinances or part(s) thereof in conflict with this Ordinance are repealed.
Section 6: Effective Date. This Section states that the Ordinance is effective following expiration of 30 days after the publication of a true copy of the ordinance or a legally-permitted summary of the ordinance as required by law in a newspaper of general circulation in Standish Township.
Section 7: Publication. This Section states that the Ordinance is ordered to be published as required by law.
A true copy of this Ordinance may be inspected and/or obtained at the Standish Township Governmental Offices, 4997 Arenac State Road, Standish, Michigan 48658, Monday-Friday during regular business hours.
STANDISH TOWNSHIP CLERK