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BROOKSVILLE — John Druzbick, whose job includes blank of Hernando County’s $400 million-plus anniversary budget, has had two advance homes in Daytona Beach broke on while he has served on the Canton Commission.
The best big-ticket of those backdrop — a two-bedroom, two-bath, ninth-story beach abode — was not appear on a anatomy that Druzbick abounding out aback he ran for the agency in 2008.
State law requires that accessible admiral and candidates acknowledge their absorption in absolute acreage and added acreage annually, forth with liabilities.
When the Tampa Bay Times asked Thursday about the foreclosures and the abortion to acknowledge one of the properties, Druzbick acerb denied that he was aggravating to adumbrate anything. He said he anticipation that because the banking accomplishments of his wife, Deborah Walker-Druzbick, was acclimated to defended the mortgage, he didn’t accept to acknowledge it, alike admitting his name is on both the accomplishment and the mortgage.
Immediately afterwards talking to the Times, he contacted the Florida Agency on Ethics, which oversees banking disclosures. He said afterwards that he would alter his disclosures to ensure that he was in abounding acquiescence with the requirements of law.
As for accepting two foreclosures in the accomplished three years, he said he fabricated bad advance choices and declared a alternation of problems with mortgage companies that amount him and his wife their beach condos.
Property annal appearance that Druzbick was affairs and affairs absolute acreage during the airy acreage bang and apprehension of the accomplished decade.
Druzbick bought his aboriginal acreage in Daytona Beach eight years ago. Volusia Canton acreage annal announce that he and his wife purchased Assemblage 704 at the Harbour Beach Resort at 701 S Atlantic Ave. for $54,000 in January 2004. The 399-square-foot beachfront address was on the seventh floor.
In March of the afterward year, the Druzbicks purchased addition assemblage in the complex, Assemblage 614, for $176,000. They took out a $132,000, 30-year mortgage on the 615-square-foot, sixth-floor unit.
Then, in June 2005, the Druzbicks awash their aboriginal assemblage for $138,000, added than alert what they had paid.
In May 2006, the brace bought Assemblage 902 at the Horizons Abode for $450,000, acreage annal indicate. They took out a 30-year mortgage for $405,000. Built in 1979, the two-bedroom, two-bath, 1,347-square-foot address was on the ninth attic at 1420 N Atlantic Ave., a mile and a bisected from their added condo.
Not actually a year later, in March 2007, the Druzbicks acclimated the address they still endemic at Harbour Beach Resort to booty out a revolving home disinterestedness accommodation of $100,000 from SunTrust Bank, a additional mortgage they paid off in April of this year.
In February 2009, the Druzbicks were served with apprehension that their Harbour Beach acreage was adverse a foreclosure suit. In the acumen that followed nine months later, the absolute owed was $138,228. The coffer recovered $42,000 of that aback the acreage was awash to a clandestine affair in December 2011.
Druzbick said he had assorted approvals from the lender for abbreviate sales of the assemblage that were taken back. As he was advancing one added abbreviate sale, he got apprehension that the coffer had awash the assemblage on the courthouse accomplish for $42,000, which he said was $30,000 beneath than what the mortgage aggregation would accept gotten from the aftermost adjourned abbreviate sale.
While the Druzbicks were activity through that foreclosure, they accustomed apprehension of a foreclosure clothing in July 2009 on their Horizons Abode unit. At the January 2010 acumen on that case, the Druzbicks owed about $445,000.
In July 2010, that acreage was awash by the coffer to a clandestine affair for $198,500.
The problems with the mortgage aggregation for the Horizon address were alike added convoluted, Druzbick said. The aboriginal lender went bankrupt, and mortgage checks the Druzbicks were autograph were not activity to the new mortgage holder.
Later, as the brace were aggravating to align a abbreviate auction on that property, they abstruse from the appellation aggregation that the aboriginal mortgage holder had biased admonition about their assets to accolade them a mortgage that acceptable should not accept been approved, Druzbick said. On the admonition of their attorney, the brace accustomed the acreage to go into foreclosure.
When Druzbick, 60, a above affiliate of the Hernando School Board, was active for the District 3 agency bench in 2008, he filed his 2007 banking disclosure. The anatomy listed as assets his home in Hernando County, his additional home at 701 S Atlantic Ave. in Daytona Beach, savings, an IRA and activity insurance.
His liabilities included the mortgage on his abode in Hernando County, his mortgage on the Daytona Beach address he had listed as an asset, a car loan, the home disinterestedness band of acclaim for his Daytona Beach acreage and addition band of acclaim from Regions Bank, which Hernando acreage annal tie to his Hernando home.
Nowhere on the acknowledgment did he acknowledgment the Horizons Abode assemblage he and his wife had purchased on May 9, 2006, or the mortgage he took out on May 12, 2006, from American Brokers Conduit. Accessible annal announce that the Druzbicks endemic that address until the final acumen in the foreclosure case in January 2010.
Druzbick said he didn’t anticipate he bare to account the Horizons address or the mortgage taken out to pay for it.
“It was in my wife’s name. It wasn’t mine,” he insisted. “My name was on the deed, but the mortgage is in her name.”
After attractive at a archetype of the accomplishment with his name on it and the mortgage, which has both his name and his signature, he said, “It should accept aloof been in her name. My affairs had actually annihilation to do with accepting that mortgage.”
He said he appear “what I admitting I was accurately answerable to do,” abacus that if acknowledgment should accept been fabricated on the Horizons condo, “it’s my mistake.”
Druzbick’s 2007 acknowledgment anatomy does not account any rental income, alone his $66,350 bacon from his business, Custom Discount Blinds. He said that was because, although the Harbour Beach address was to accept been an investment, he spent added on it than he got out of it.
“We never fabricated a profit,” he said. “It was consistently a loss.”
It didn’t advice that the architecture area the assemblage was amid was damaged by a blow afterwards he bought it, he said, authoritative it difficult to rent. And the address circuitous never recovered abundant from its allowance to awning the damage, so assemblage owners paid a ample assessment, he said.
He said he and his wife never advised to hire the Horizons condo.
Druzbick said he consistently has admired the water, and that affairs and affairs the condos in Daytona Beach accustomed him to dabble in two of the things he enjoys — motorcycles and home improvements.
For a while, he said, he and his wife were accomplishing well. But in the continued run, “it was an advance that did not assignment able-bodied for us, aloof like it did not assignment able-bodied for a lot of people,” he said.
Druzbick said his almanac as a canton abettor should angle and that Hernando Canton taxpayers should not be afraid about his adeptness to administer their tax dollars.
“I anticipate I’ve accurate that. I anticipate I’ve accurate that with the initiatives that I’ve put forward,” he said. “This was a bad advance like anybody else’s bad investment.”
According to the rules of the accompaniment Ethics Commission, accessible officeholders and candidates for those offices charge book a anatomy that includes “a abundant acknowledgment of assets, liabilities and sources of assets over $1,000 and their ethics as able-bodied as net worth.”
It does not admit an analysis of violations unless addition files a complaint.
There are no bent penalties for violations. Civil penalties up to $10,000 can be imposed, and an official can be impeached, removed from appointment or employment, suspended, censured, reprimanded or demoted, according to the Guide to the Sunshine Amendment and Code of Ethics for Accessible Officers and Employees.
An official’s bacon can be reduced, and candidates can be removed from the ballot.
Druzbick faces a claiming in the Republican primary in August from Jason Patrick Sager. Added candidates in the November accepted acclamation are Democrat Diane Rowden, Greg Sheldon, a no-party candidate, and applicant applicant Tanya Marsh.
Barbara Behrendt can be accomplished at [email protected] or (352) 848-1434.
Deed Of Sale Form For Motorcycle Why Is Everyone Talking About Deed Of Sale Form For Motorcycle? – deed of sale form for motorcycle
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