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      <MissionDesc>SEEKING TO PUT GOD'S LOVE INTO ACTION, HABITAT FOR HUMANITY BRINGS PEOPLE TOGETHER TO BUILD HOMES, COMMUNITIES AND HOPE TO REALIZE OUR VISION OF A WORLD WHERE EVERYONE HAS A DECENT PLACE TO LIVE. INDIAN RIVER HABITAT FOR HUMANITY ADHERES TO A STRICT NON-PROSELYTIZING POLICY AND WILL NOT OFFER ASSISTANCE ON THE EXPRESSED OR IMPLIED CONDITION THAT PEOPLE MUST ADHERE TO OR CONVERT TO A PARTICULAR FAITH OR LISTEN AND RESPOND TO MESSAGING DESIGNED TO INDUCE CONVERSION TO A PARTICULAR FAITH.</MissionDesc>
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      <Desc>HOMEOWNERSHIP PROGRAM FAMILIES IN NEED OF A DECENT PLACE TO LIVE BUILD SAFE AND AFFORDABLE HOMES IN PARTNERSHIP WITH US. HABITAT HOUSES ARE MODESTLY SIZED. THEY ARE LARGE ENOUGH FOR THE HOMEOWNER FAMILY'S NEEDS, BUT SMALL ENOUGH TO KEEP CONSTRUCTION AND MAINTENANCE COSTS AFFORDABLE. BY USING THE LABOR OF VOLUNTEERS AND PROSPECTIVE HOMEOWNERS, EMPLOYING EFFICIENT BUILDING METHODS, KEEPING HOUSE SIZES MODEST, USING DONATED CONSTRUCTION MATERIALS AND APPLIANCES, AND ISSUING NO-PROFIT LOANS, HABITAT MAKES ITS HOUSES AFFORDABLE FOR LOW-INCOME FAMILIES TO PURCHASE. AFFORDABLE HOMEOWNERSHIP HELPS CREATE CONDITIONS THAT FREE FAMILIES FROM INSTABILITY, STRESS AND FEAR AND ENCOURAGE SELF-RELIANCE AND CONFIDENCE. STUDIES SHOW THAT STRONG AND STABLE HOUSEHOLDS ARE FOUNDATIONAL TO CHILD DEVELOPMENT AND GROWTH. WHEN A HOME FOSTERS - INSTEAD OF HINDERS - HEALTH AND SAFETY, FAMILIES CAN FLOURISH. OWNING AN AFFORDABLE HOME ALSO ALLOWS HOMEOWNERS TO LIFT UP THEIR ENTIRE FAMILY BY SAVING FOR THEIR FUTURES AND INVESTING IN EDUCATIONAL OPPORTUNITIES, BOLSTERING JOB OPPORTUNITIES AND CAREER GROWTH. DURING FISCAL YEAR 2023, INDIAN RIVER HABITAT FOR HUMANITY SERVED MORE THAN TWENTY SIX PEOPLE THROUGH ITS LONG-TERM HOMEOWNERSHIP PROGRAM.</Desc>
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        <Desc>NEIGHBORHOOD REVITALIZATION PROGRAM INDIAN RIVER HABITAT'S NEIGHBORHOOD REVITALIZATION PROGRAM (NR) IS A FOCUSED HOUSING OUTREACH PROGRAM THAT OFFERS AFFORDABLE CRITICAL OR MINOR HOME REPAIR TO QUALIFYING HOMEOWNERS IN INDIAN RIVER COUNTY. THROUGH THIS PROGRAM, INDIAN RIVER HABITAT BRINGS STAKEHOLDERS TOGETHER TO HELP RESIDENTS BY RESPONDING TO THE NEEDS ACROSS THE COMMUNITY AMONG LOW-TO- MODERATE INCOME HOMEOWNERS, VETERANS AND SENIORS LIVING ON A FIXED INCOME. THIS PROGRAM DESIRES TO CREATE NEW PARTNERSHIPS AND EMPOWER RESIDENTS TO REVIVE NEIGBORHOODS WHILE ENHANCING THEIR QUALITY OF LIFE.</Desc>
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          <PersonNm>LOWES</PersonNm>
        </ContractorName>
        <ContractorAddress>
          <USAddress>
            <AddressLine1Txt>ADDRESS ON FILE</AddressLine1Txt>
            <CityNm>VERO BEACH</CityNm>
            <StateAbbreviationCd>FL</StateAbbreviationCd>
            <ZIPCd>32967</ZIPCd>
          </USAddress>
        </ContractorAddress>
        <ServicesDesc>CONSTRUCTION</ServicesDesc>
        <CompensationAmt>422140</CompensationAmt>
      </ContractorCompensationGrp>
      <ContractorCompensationGrp>
        <ContractorName>
          <PersonNm>EAST COAST LUMBER</PersonNm>
        </ContractorName>
        <ContractorAddress>
          <USAddress>
            <AddressLine1Txt>ADDRESS ON FILE</AddressLine1Txt>
            <CityNm>VERO BEACH</CityNm>
            <StateAbbreviationCd>FL</StateAbbreviationCd>
            <ZIPCd>32967</ZIPCd>
          </USAddress>
        </ContractorAddress>
        <ServicesDesc>BLDG SUPPLIES</ServicesDesc>
        <CompensationAmt>396340</CompensationAmt>
      </ContractorCompensationGrp>
      <ContractorCompensationGrp>
        <ContractorName>
          <PersonNm>ROCK SOLID ROOFING</PersonNm>
        </ContractorName>
        <ContractorAddress>
          <USAddress>
            <AddressLine1Txt>ADDRESS ON FILE</AddressLine1Txt>
            <CityNm>VERO BEACH</CityNm>
            <StateAbbreviationCd>FL</StateAbbreviationCd>
            <ZIPCd>32967</ZIPCd>
          </USAddress>
        </ContractorAddress>
        <ServicesDesc>CONSTRUCTION</ServicesDesc>
        <CompensationAmt>226015</CompensationAmt>
      </ContractorCompensationGrp>
      <ContractorCompensationGrp>
        <ContractorName>
          <PersonNm>DE'RION GROUP LLC</PersonNm>
        </ContractorName>
        <ContractorAddress>
          <USAddress>
            <AddressLine1Txt>ADDRESS ON FILE</AddressLine1Txt>
            <CityNm>VERO BEACH</CityNm>
            <StateAbbreviationCd>FL</StateAbbreviationCd>
            <ZIPCd>32967</ZIPCd>
          </USAddress>
        </ContractorAddress>
        <ServicesDesc>CONSTRUCTION</ServicesDesc>
        <CompensationAmt>218911</CompensationAmt>
      </ContractorCompensationGrp>
      <CntrctRcvdGreaterThan100KCnt>8</CntrctRcvdGreaterThan100KCnt>
      <GovernmentGrantsAmt>910015</GovernmentGrantsAmt>
      <AllOtherContributionsAmt>3811762</AllOtherContributionsAmt>
      <NoncashContributionsAmt>2213818</NoncashContributionsAmt>
      <TotalContributionsAmt>4721777</TotalContributionsAmt>
      <ProgramServiceRevenueGrp>
        <Desc>HOME OWNERSHIP</Desc>
        <BusinessCd>453310</BusinessCd>
        <TotalRevenueColumnAmt>1765752</TotalRevenueColumnAmt>
        <RelatedOrExemptFuncIncomeAmt>1765752</RelatedOrExemptFuncIncomeAmt>
      </ProgramServiceRevenueGrp>
      <ProgramServiceRevenueGrp>
        <Desc>MORTGAGE LOAN DISCOUNTS</Desc>
        <BusinessCd>531390</BusinessCd>
        <TotalRevenueColumnAmt>467647</TotalRevenueColumnAmt>
        <RelatedOrExemptFuncIncomeAmt>467647</RelatedOrExemptFuncIncomeAmt>
      </ProgramServiceRevenueGrp>
      <ProgramServiceRevenueGrp>
        <Desc>NRI REPAYMENT</Desc>
        <BusinessCd>522292</BusinessCd>
        <TotalRevenueColumnAmt>385040</TotalRevenueColumnAmt>
        <RelatedOrExemptFuncIncomeAmt>385040</RelatedOrExemptFuncIncomeAmt>
      </ProgramServiceRevenueGrp>
      <TotalProgramServiceRevenueAmt>2618439</TotalProgramServiceRevenueAmt>
      <InvestmentIncomeGrp>
        <TotalRevenueColumnAmt>121540</TotalRevenueColumnAmt>
        <ExclusionAmt>121540</ExclusionAmt>
      </InvestmentIncomeGrp>
      <GrossAmountSalesAssetsGrp>
        <SecuritiesAmt>47406</SecuritiesAmt>
      </GrossAmountSalesAssetsGrp>
      <LessCostOthBasisSalesExpnssGrp>
        <SecuritiesAmt>46004</SecuritiesAmt>
        <OtherAmt>787</OtherAmt>
      </LessCostOthBasisSalesExpnssGrp>
      <GainOrLossGrp>
        <SecuritiesAmt>1402</SecuritiesAmt>
        <OtherAmt>-787</OtherAmt>
      </GainOrLossGrp>
      <NetGainOrLossInvestmentsGrp>
        <TotalRevenueColumnAmt>615</TotalRevenueColumnAmt>
        <RelatedOrExemptFuncIncomeAmt>615</RelatedOrExemptFuncIncomeAmt>
      </NetGainOrLossInvestmentsGrp>
      <FundraisingGrossIncomeAmt>740232</FundraisingGrossIncomeAmt>
      <FundraisingDirectExpensesAmt>176382</FundraisingDirectExpensesAmt>
      <NetIncmFromFundraisingEvtGrp>
        <TotalRevenueColumnAmt>563850</TotalRevenueColumnAmt>
        <ExclusionAmt>563850</ExclusionAmt>
      </NetIncmFromFundraisingEvtGrp>
      <GrossSalesOfInventoryAmt>2268095</GrossSalesOfInventoryAmt>
      <CostOfGoodsSoldAmt>2186982</CostOfGoodsSoldAmt>
      <NetIncomeOrLossGrp>
        <TotalRevenueColumnAmt>81113</TotalRevenueColumnAmt>
        <ExclusionAmt>81113</ExclusionAmt>
      </NetIncomeOrLossGrp>
      <OtherRevenueMiscGrp>
        <Desc>OTHER INCOME</Desc>
        <TotalRevenueColumnAmt>59092</TotalRevenueColumnAmt>
        <ExclusionAmt>59092</ExclusionAmt>
      </OtherRevenueMiscGrp>
      <OtherRevenueMiscGrp>
        <Desc>RENTAL INCOME</Desc>
        <TotalRevenueColumnAmt>22070</TotalRevenueColumnAmt>
        <ExclusionAmt>22070</ExclusionAmt>
      </OtherRevenueMiscGrp>
      <OtherRevenueTotalAmt>81162</OtherRevenueTotalAmt>
      <TotalRevenueGrp>
        <TotalRevenueColumnAmt>8188496</TotalRevenueColumnAmt>
        <RelatedOrExemptFuncIncomeAmt>2619054</RelatedOrExemptFuncIncomeAmt>
        <ExclusionAmt>847665</ExclusionAmt>
      </TotalRevenueGrp>
      <CompCurrentOfcrDirectorsGrp>
        <TotalAmt>141124</TotalAmt>
        <ProgramServicesAmt>127012</ProgramServicesAmt>
        <ManagementAndGeneralAmt>4233</ManagementAndGeneralAmt>
        <FundraisingAmt>9879</FundraisingAmt>
      </CompCurrentOfcrDirectorsGrp>
      <OtherSalariesAndWagesGrp>
        <TotalAmt>2196646</TotalAmt>
        <ProgramServicesAmt>904968</ProgramServicesAmt>
        <ManagementAndGeneralAmt>193060</ManagementAndGeneralAmt>
        <FundraisingAmt>1098618</FundraisingAmt>
      </OtherSalariesAndWagesGrp>
      <OtherEmployeeBenefitsGrp>
        <TotalAmt>228486</TotalAmt>
        <ProgramServicesAmt>174815</ProgramServicesAmt>
        <ManagementAndGeneralAmt>20333</ManagementAndGeneralAmt>
        <FundraisingAmt>33338</FundraisingAmt>
      </OtherEmployeeBenefitsGrp>
      <PayrollTaxesGrp>
        <TotalAmt>112824</TotalAmt>
        <ProgramServicesAmt>76007</ProgramServicesAmt>
        <ManagementAndGeneralAmt>14122</ManagementAndGeneralAmt>
        <FundraisingAmt>22695</FundraisingAmt>
      </PayrollTaxesGrp>
      <FeesForServicesOtherGrp>
        <TotalAmt>98552</TotalAmt>
        <FundraisingAmt>98552</FundraisingAmt>
      </FeesForServicesOtherGrp>
      <AdvertisingGrp>
        <TotalAmt>66606</TotalAmt>
        <ProgramServicesAmt>2291</ProgramServicesAmt>
        <FundraisingAmt>64315</FundraisingAmt>
      </AdvertisingGrp>
      <OfficeExpensesGrp>
        <TotalAmt>349782</TotalAmt>
        <ProgramServicesAmt>149452</ProgramServicesAmt>
        <ManagementAndGeneralAmt>29229</ManagementAndGeneralAmt>
        <FundraisingAmt>171101</FundraisingAmt>
      </OfficeExpensesGrp>
      <OccupancyGrp>
        <TotalAmt>42085</TotalAmt>
        <ProgramServicesAmt>6679</ProgramServicesAmt>
        <ManagementAndGeneralAmt>739</ManagementAndGeneralAmt>
        <FundraisingAmt>34667</FundraisingAmt>
      </OccupancyGrp>
      <TravelGrp>
        <TotalAmt>14097</TotalAmt>
        <ProgramServicesAmt>7421</ProgramServicesAmt>
        <ManagementAndGeneralAmt>2774</ManagementAndGeneralAmt>
        <FundraisingAmt>3902</FundraisingAmt>
      </TravelGrp>
      <DepreciationDepletionGrp>
        <TotalAmt>169732</TotalAmt>
        <ProgramServicesAmt>15456</ProgramServicesAmt>
        <ManagementAndGeneralAmt>3711</ManagementAndGeneralAmt>
        <FundraisingAmt>150565</FundraisingAmt>
      </DepreciationDepletionGrp>
      <InsuranceGrp>
        <TotalAmt>120205</TotalAmt>
        <ProgramServicesAmt>53220</ProgramServicesAmt>
        <ManagementAndGeneralAmt>5794</ManagementAndGeneralAmt>
        <FundraisingAmt>61191</FundraisingAmt>
      </InsuranceGrp>
      <OtherExpensesGrp>
        <Desc>TRANSFER OF HOMES</Desc>
        <TotalAmt>1484716</TotalAmt>
        <ProgramServicesAmt>1484716</ProgramServicesAmt>
      </OtherExpensesGrp>
      <OtherExpensesGrp>
        <Desc>CONSTRUCTION SUPPLIES</Desc>
        <TotalAmt>708999</TotalAmt>
        <ProgramServicesAmt>708999</ProgramServicesAmt>
      </OtherExpensesGrp>
      <OtherExpensesGrp>
        <Desc>DISCOUNT ON MORTGAGES</Desc>
        <TotalAmt>693436</TotalAmt>
        <ProgramServicesAmt>693436</ProgramServicesAmt>
      </OtherExpensesGrp>
      <OtherExpensesGrp>
        <Desc>OTHER DIRECT FUNDRAISING</Desc>
        <TotalAmt>181806</TotalAmt>
        <FundraisingAmt>181806</FundraisingAmt>
      </OtherExpensesGrp>
      <AllOtherExpensesGrp>
        <TotalAmt>582641</TotalAmt>
        <ProgramServicesAmt>419381</ProgramServicesAmt>
        <ManagementAndGeneralAmt>17489</ManagementAndGeneralAmt>
        <FundraisingAmt>145771</FundraisingAmt>
      </AllOtherExpensesGrp>
      <TotalFunctionalExpensesGrp>
        <TotalAmt>7191737</TotalAmt>
        <ProgramServicesAmt>4823853</ProgramServicesAmt>
        <ManagementAndGeneralAmt>291484</ManagementAndGeneralAmt>
        <FundraisingAmt>2076400</FundraisingAmt>
      </TotalFunctionalExpensesGrp>
      <CashNonInterestBearingGrp>
        <BOYAmt>4579917</BOYAmt>
        <EOYAmt>1285994</EOYAmt>
      </CashNonInterestBearingGrp>
      <AccountsReceivableGrp>
        <BOYAmt>68499</BOYAmt>
        <EOYAmt>74023</EOYAmt>
      </AccountsReceivableGrp>
      <OthNotesLoansReceivableNetGrp>
        <BOYAmt>6411434</BOYAmt>
        <EOYAmt>6607239</EOYAmt>
      </OthNotesLoansReceivableNetGrp>
      <InventoriesForSaleOrUseGrp>
        <BOYAmt>1796986</BOYAmt>
        <EOYAmt>2458098</EOYAmt>
      </InventoriesForSaleOrUseGrp>
      <LandBldgEquipCostOrOtherBssAmt>7904383</LandBldgEquipCostOrOtherBssAmt>
      <LandBldgEquipAccumDeprecAmt>2139070</LandBldgEquipAccumDeprecAmt>
      <LandBldgEquipBasisNetGrp>
        <BOYAmt>5186443</BOYAmt>
        <EOYAmt>5765313</EOYAmt>
      </LandBldgEquipBasisNetGrp>
      <InvestmentsPubTradedSecGrp>
        <EOYAmt>2933775</EOYAmt>
      </InvestmentsPubTradedSecGrp>
      <OtherAssetsTotalGrp>
        <BOYAmt>157276</BOYAmt>
        <EOYAmt>168768</EOYAmt>
      </OtherAssetsTotalGrp>
      <TotalAssetsGrp>
        <BOYAmt>18200555</BOYAmt>
        <EOYAmt>19293210</EOYAmt>
      </TotalAssetsGrp>
      <AccountsPayableAccrExpnssGrp>
        <BOYAmt>441406</BOYAmt>
        <EOYAmt>500000</EOYAmt>
      </AccountsPayableAccrExpnssGrp>
      <EscrowAccountLiabilityGrp>
        <BOYAmt>280382</BOYAmt>
        <EOYAmt>437659</EOYAmt>
      </EscrowAccountLiabilityGrp>
      <MortgNotesPyblScrdInvstPropGrp>
        <BOYAmt>2307464</BOYAmt>
        <EOYAmt>2246548</EOYAmt>
      </MortgNotesPyblScrdInvstPropGrp>
      <UnsecuredNotesLoansPayableGrp>
        <BOYAmt>97330</BOYAmt>
        <EOYAmt>70234</EOYAmt>
      </UnsecuredNotesLoansPayableGrp>
      <OtherLiabilitiesGrp>
        <BOYAmt>53673</BOYAmt>
        <EOYAmt>21708</EOYAmt>
      </OtherLiabilitiesGrp>
      <TotalLiabilitiesGrp>
        <BOYAmt>3180255</BOYAmt>
        <EOYAmt>3276149</EOYAmt>
      </TotalLiabilitiesGrp>
      <OrganizationFollowsFASB117Ind>X</OrganizationFollowsFASB117Ind>
      <NoDonorRestrictionNetAssetsGrp>
        <BOYAmt>14599272</BOYAmt>
        <EOYAmt>15550701</EOYAmt>
      </NoDonorRestrictionNetAssetsGrp>
      <DonorRestrictionNetAssetsGrp>
        <BOYAmt>421028</BOYAmt>
        <EOYAmt>466360</EOYAmt>
      </DonorRestrictionNetAssetsGrp>
      <TotalNetAssetsFundBalanceGrp>
        <BOYAmt>15020300</BOYAmt>
        <EOYAmt>16017061</EOYAmt>
      </TotalNetAssetsFundBalanceGrp>
      <TotLiabNetAssetsFundBalanceGrp>
        <BOYAmt>18200555</BOYAmt>
        <EOYAmt>19293210</EOYAmt>
      </TotLiabNetAssetsFundBalanceGrp>
      <InfoInScheduleOPartXIInd>X</InfoInScheduleOPartXIInd>
      <ReconcilationRevenueExpnssAmt>996759</ReconcilationRevenueExpnssAmt>
      <OtherChangesInNetAssetsAmt>2</OtherChangesInNetAssetsAmt>
      <MethodOfAccountingAccrualInd>X</MethodOfAccountingAccrualInd>
      <AccountantCompileOrReviewInd>false</AccountantCompileOrReviewInd>
      <FSAuditedInd>true</FSAuditedInd>
      <FSAuditedBasisGrp>
        <ConsolidatedBasisFinclStmtInd>X</ConsolidatedBasisFinclStmtInd>
      </FSAuditedBasisGrp>
      <AuditCommitteeInd>true</AuditCommitteeInd>
      <FederalGrantAuditRequiredInd>false</FederalGrantAuditRequiredInd>
    </IRS990>
    <IRS990ScheduleA documentId="RetDoc8">
      <PublicOrganization170Ind>X</PublicOrganization170Ind>
      <GiftsGrantsContriRcvd170Grp>
        <CurrentTaxYearMinus4YearsAmt>1719218</CurrentTaxYearMinus4YearsAmt>
        <CurrentTaxYearMinus3YearsAmt>1717265</CurrentTaxYearMinus3YearsAmt>
        <CurrentTaxYearMinus2YearsAmt>1701964</CurrentTaxYearMinus2YearsAmt>
        <CurrentTaxYearMinus1YearAmt>1217183</CurrentTaxYearMinus1YearAmt>
        <CurrentTaxYearAmt>4721777</CurrentTaxYearAmt>
        <TotalAmt>11077407</TotalAmt>
      </GiftsGrantsContriRcvd170Grp>
      <TotalCalendarYear170Grp>
        <CurrentTaxYearMinus4YearsAmt>1719218</CurrentTaxYearMinus4YearsAmt>
        <CurrentTaxYearMinus3YearsAmt>1717265</CurrentTaxYearMinus3YearsAmt>
        <CurrentTaxYearMinus2YearsAmt>1701964</CurrentTaxYearMinus2YearsAmt>
        <CurrentTaxYearMinus1YearAmt>1217183</CurrentTaxYearMinus1YearAmt>
        <CurrentTaxYearAmt>4721777</CurrentTaxYearAmt>
        <TotalAmt>11077407</TotalAmt>
      </TotalCalendarYear170Grp>
      <PublicSupportTotal170Amt>11077407</PublicSupportTotal170Amt>
      <GrossInvestmentIncome170Grp>
        <CurrentTaxYearMinus3YearsAmt>16982</CurrentTaxYearMinus3YearsAmt>
        <CurrentTaxYearMinus2YearsAmt>5728</CurrentTaxYearMinus2YearsAmt>
        <CurrentTaxYearMinus1YearAmt>2833</CurrentTaxYearMinus1YearAmt>
        <CurrentTaxYearAmt>121540</CurrentTaxYearAmt>
        <TotalAmt>147083</TotalAmt>
      </GrossInvestmentIncome170Grp>
      <UnrelatedBusinessNetIncm170Grp>
        <CurrentTaxYearMinus4YearsAmt>13750</CurrentTaxYearMinus4YearsAmt>
        <CurrentTaxYearMinus3YearsAmt>9050</CurrentTaxYearMinus3YearsAmt>
        <CurrentTaxYearMinus2YearsAmt>485044</CurrentTaxYearMinus2YearsAmt>
        <CurrentTaxYearMinus1YearAmt>486107</CurrentTaxYearMinus1YearAmt>
        <CurrentTaxYearAmt>584920</CurrentTaxYearAmt>
        <TotalAmt>1578871</TotalAmt>
      </UnrelatedBusinessNetIncm170Grp>
      <OtherIncome170Grp>
        <CurrentTaxYearMinus4YearsAmt>2057045</CurrentTaxYearMinus4YearsAmt>
        <CurrentTaxYearMinus3YearsAmt>1952094</CurrentTaxYearMinus3YearsAmt>
        <CurrentTaxYearMinus2YearsAmt>2306698</CurrentTaxYearMinus2YearsAmt>
        <CurrentTaxYearMinus1YearAmt>2243992</CurrentTaxYearMinus1YearAmt>
        <CurrentTaxYearAmt>2327187</CurrentTaxYearAmt>
        <TotalAmt>10887016</TotalAmt>
      </OtherIncome170Grp>
      <TotalSupportAmt>23690377</TotalSupportAmt>
      <GrossReceiptsRltdActivitiesAmt>13449054</GrossReceiptsRltdActivitiesAmt>
      <PublicSupportCY170Pct>0.46760</PublicSupportCY170Pct>
      <PublicSupportPY170Pct>0.42640</PublicSupportPY170Pct>
      <ThirtyThrPctSuprtTestsCY170Ind>X</ThirtyThrPctSuprtTestsCY170Ind>
      <Form990ScheduleAPartVIGrp>
        <FormAndLineReferenceDesc>PART II, LINE 10</FormAndLineReferenceDesc>
        <ExplanationTxt>RESTORE SALE OF MERCHANDISE 0 AND LATE FEES 8,559,829</ExplanationTxt>
      </Form990ScheduleAPartVIGrp>
    </IRS990ScheduleA>
    <IRS990ScheduleB documentId="RetDoc1">
      <ContributorInformationGrp>
        <ContributorNum>RESTRICTED</ContributorNum>
        <ContributorBusinessName>
          <BusinessNameLine1>RESTRICTED</BusinessNameLine1>
        </ContributorBusinessName>
        <ContributorUSAddress>
          <AddressLine1>RESTRICTED</AddressLine1>
          <AddressLine2>RESTRICTED</AddressLine2>
          <City>RESTRICTED</City>
          <State>RESTRICTED</State>
          <ZIPCode>RESTRICTED</ZIPCode>
        </ContributorUSAddress>
        <TotalContributionsAmt>RESTRICTED</TotalContributionsAmt>
      </ContributorInformationGrp>
    </IRS990ScheduleB>
    <IRS990ScheduleD documentId="RetDoc4">
      <AgentTrusteeEtcInd>false</AgentTrusteeEtcInd>
      <InclEscrowCustodialAcctLiabInd>true</InclEscrowCustodialAcctLiabInd>
      <ExplanationProvidedInd>X</ExplanationProvidedInd>
      <LandGrp>
        <OtherCostOrOtherBasisAmt>585417</OtherCostOrOtherBasisAmt>
        <BookValueAmt>585417</BookValueAmt>
      </LandGrp>
      <OtherLandBuildingsGrp>
        <InvestmentCostOrOtherBasisAmt>1741150</InvestmentCostOrOtherBasisAmt>
        <OtherCostOrOtherBasisAmt>5577816</OtherCostOrOtherBasisAmt>
        <DepreciationAmt>2139070</DepreciationAmt>
        <BookValueAmt>5179896</BookValueAmt>
      </OtherLandBuildingsGrp>
      <TotalBookValueLandBuildingsAmt>5765313</TotalBookValueLandBuildingsAmt>
      <OtherLiabilitiesOrgGrp>
        <Desc>PREPAID MORTGAGE LOANS</Desc>
        <Amt>21708</Amt>
      </OtherLiabilitiesOrgGrp>
      <TotalLiabilityAmt>21708</TotalLiabilityAmt>
      <TotalRevEtcAuditedFinclStmtAmt>8370304</TotalRevEtcAuditedFinclStmtAmt>
      <RevenueSubtotalAmt>8370304</RevenueSubtotalAmt>
      <OtherRevenuesNotIncludedAmt>-181808</OtherRevenuesNotIncludedAmt>
      <RevenueNotReportedFinclStmtAmt>-181808</RevenueNotReportedFinclStmtAmt>
      <TotalRevenuePerForm990Amt>8188496</TotalRevenuePerForm990Amt>
      <TotExpnsEtcAuditedFinclStmtAmt>7373543</TotExpnsEtcAuditedFinclStmtAmt>
      <ExpensesSubtotalAmt>7373543</ExpensesSubtotalAmt>
      <OtherExpensesNotIncludedAmt>-181806</OtherExpensesNotIncludedAmt>
      <ExpensesNotRptFinclStmtAmt>-181806</ExpensesNotRptFinclStmtAmt>
      <TotalExpensesPerForm990Amt>7191737</TotalExpensesPerForm990Amt>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>SCHEDULE D, PAGE 2, PART IV, LINE 2B</FormAndLineReferenceDesc>
        <ExplanationTxt>THE ORGANIZATION HOLDS AMOUNTS RECEIVED FROM HOMEOWNERS IN ESCROW FOR PROPERTY TAXES AND INSURANCE.</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>SCHEDULE D, PAGE 4, PART XI, LINE 4B</FormAndLineReferenceDesc>
        <ExplanationTxt>DIRECT EXPENSES NETTED WITH FUNDRAISING ACTIVITIES -181,806 ROUNDING -2</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>SCHEDULE D, PAGE 4, PART XII, LINE 4B</FormAndLineReferenceDesc>
        <ExplanationTxt>DIRECT EXPENSES NETTED WITH FUNDRAISING ACTIVITIES -181,806</ExplanationTxt>
      </SupplementalInformationDetail>
    </IRS990ScheduleD>
    <IRS990ScheduleG documentId="RetDoc5">
      <FundraisingEventInformationGrp>
        <Event1Nm>MOORINGS GOLF C</Event1Nm>
        <GrossReceiptsEvent1Amt>633913</GrossReceiptsEvent1Amt>
        <GrossRevenueEvent1Amt>633913</GrossRevenueEvent1Amt>
        <OtherDirectExpensesEvent1Amt>94569</OtherDirectExpensesEvent1Amt>
        <Event2Nm>WOMEN BUILD</Event2Nm>
        <GrossReceiptsEvent2Amt>41879</GrossReceiptsEvent2Amt>
        <GrossRevenueEvent2Amt>41879</GrossRevenueEvent2Amt>
        <OtherDirectExpensesEvent2Amt>19223</OtherDirectExpensesEvent2Amt>
        <OtherEventsTotalCnt>2</OtherEventsTotalCnt>
        <GrossReceiptsOtherEventsAmt>64440</GrossReceiptsOtherEventsAmt>
        <GrossRevenueOtherEventsAmt>64440</GrossRevenueOtherEventsAmt>
        <OthDirectExpnssOtherEventsAmt>62590</OthDirectExpnssOtherEventsAmt>
        <GrossReceiptsTotalAmt>740232</GrossReceiptsTotalAmt>
        <GrossRevenueTotalEventsAmt>740232</GrossRevenueTotalEventsAmt>
        <OthDirectExpnssTotalEventsAmt>176382</OthDirectExpnssTotalEventsAmt>
        <DirectExpenseSummaryEventsAmt>176382</DirectExpenseSummaryEventsAmt>
        <NetIncomeSummaryAmt>563850</NetIncomeSummaryAmt>
      </FundraisingEventInformationGrp>
    </IRS990ScheduleG>
    <IRS990ScheduleM documentId="RetDoc6">
      <ClothingAndHouseholdGoodsGrp>
        <NonCashCheckboxInd>X</NonCashCheckboxInd>
        <NoncashContributionsRptF990Amt>2186980</NoncashContributionsRptF990Amt>
        <MethodOfDeterminingRevenuesTxt>VALUE RECEIVED AT RESALE</MethodOfDeterminingRevenuesTxt>
      </ClothingAndHouseholdGoodsGrp>
      <OtherNonCashContriTableGrp>
        <NonCashCheckboxInd>X</NonCashCheckboxInd>
        <Desc>OTHER IN-KIND</Desc>
        <ContributionCnt>1</ContributionCnt>
        <NoncashContributionsRptF990Amt>26838</NoncashContributionsRptF990Amt>
        <MethodOfDeterminingRevenuesTxt>RETAIL PRICING</MethodOfDeterminingRevenuesTxt>
      </OtherNonCashContriTableGrp>
      <AnyPropertyThatMustBeHeldInd>false</AnyPropertyThatMustBeHeldInd>
      <ReviewProcessUnusualNCGiftsInd>true</ReviewProcessUnusualNCGiftsInd>
      <ThirdPartiesUsedInd>false</ThirdPartiesUsedInd>
    </IRS990ScheduleM>
    <IRS990ScheduleO documentId="RetDoc7">
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>FORM 990 - ORGANIZATION'S MISSION</FormAndLineReferenceDesc>
        <ExplanationTxt>SEEKING TO PUT GOD'S LOVE INTO ACTION, HABITAT FOR HUMANITY BRINGS PEOPLE TOGETHER TO BUILD HOMES, COMMUNITIES AND HOPE TO REALIZE OUR VISION OF A WORLD WHERE EVERYONE HAS A DECENT PLACE TO LIVE. INDIAN RIVER HABITAT FOR HUMANITY ADHERES TO A STRICT NON-PROSELYTIZING POLICY AND WILL NOT OFFER ASSISTANCE ON THE EXPRESSED OR IMPLIED CONDITION THAT PEOPLE MUST ADHERE TO OR CONVERT TO A PARTICULAR FAITH OR LISTEN AND RESPOND TO MESSAGING DESIGNED TO INDUCE CONVERSION TO A PARTICULAR FAITH.</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>FORM 990</FormAndLineReferenceDesc>
        <ExplanationTxt>INDIAN RIVER HABITAT FOR HUMANITY IS COMMITTED TO EFFICIENCY AND TRANSPARENCY. WE COMMUNICATE WITH OUR SUPPORTERS, DONORS, AND PROSPECTIVE DONORS BY EMAIL, POSTAL MAIL, PHONE AND OTHER MEANS, BOTH TO REQUEST CONTRIBUTIONS TO OUR CAUSE AND TO EDUCATE THE PUBLIC ABOUT INDIAN RIVER HABITAT FOR HUMANITY'S YEAR-ROUND PROGRAMS, VOLUNTEER OPPORTUNITIES AND OTHER EVENTS IN LOCAL COMMUNITIES AND AROUND THE WORLD. THESE EFFORTS HELP ADVANCE OUR MISSION TO PUT GOD'S LOVE INTO ACTION BY BRINGING PEOPLE TOGETHER TO BUILD HOMES,COMMUNITIES AND HOPE. AS A NONPROFIT ORGANIZATION THAT IS EXEMPT FROM FEDERAL TAXATION, WE ENSURE OUR DONORS' MONEY IS SPENT AS EFFICIENTLY AND EFFECTIVELY AS POSSIBLE. ADDITIONALLY, WE HAVE CERTAIN EXPENSES THAT CANNOT BE BILLED SEPARATELY FOR EACH FUNCTIONAL AREA. RENT, UTILITIES, INFORMATION TECHNOLOGY AND OTHER COSTS ARE GROUPED TOGETHER. WE ALLOCATE THESE COSTS IN COMPLIANCE WITH GENERALLY ACCEPTED ACCOUNTING PRINCIPLES, OR GAAP, ACROSS THE PROGRAM (INCLUDING HABITAT RESTORES), MANAGEMENT &amp; GENERAL, AND FUNDRAISING CATEGORIES. FINALLY, SOME STAFF MEMBERS HAVE RESPONSIBILITIES THAT CROSS OVER FUNCTIONAL AREAS. TO CALCULATE THE TIME ALLOCATION, INDIAN RIVER HABITAT FOR HUMANITY DIVIDES THE NUMBER OF HOURS SPENT ON A PROJECT OUTSIDE OF A STAFF MEMBER'S DESIGNATED EXPENSE CATEGORY BY THE TOTAL HOURS WORKED DURING THAT PERIOD AND ALLOCATES THAT PERCENTAGE OF COSTS TO THE APPROPRIATE EXPENSE CATEGORY.</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>FORM 990, PAGE 2, PART III, LINE 4A</FormAndLineReferenceDesc>
        <ExplanationTxt>HOMEOWNERSHIP PROGRAM FAMILIES IN NEED OF A DECENT PLACE TO LIVE BUILD SAFE AND AFFORDABLE HOMES IN PARTNERSHIP WITH US. HABITAT HOUSES ARE MODESTLY SIZED. THEY ARE LARGE ENOUGH FOR THE HOMEOWNER FAMILY'S NEEDS, BUT SMALL ENOUGH TO KEEP CONSTRUCTION AND MAINTENANCE COSTS AFFORDABLE. BY USING THE LABOR OF VOLUNTEERS AND PROSPECTIVE HOMEOWNERS, EMPLOYING EFFICIENT BUILDING METHODS, KEEPING HOUSE SIZES MODEST, USING DONATED CONSTRUCTION MATERIALS AND APPLIANCES, AND ISSUING NO-PROFIT LOANS, HABITAT MAKES ITS HOUSES AFFORDABLE FOR LOW-INCOME FAMILIES TO PURCHASE. AFFORDABLE HOMEOWNERSHIP HELPS CREATE CONDITIONS THAT FREE FAMILIES FROM INSTABILITY, STRESS AND FEAR AND ENCOURAGE SELF-RELIANCE AND CONFIDENCE. STUDIES SHOW THAT STRONG AND STABLE HOUSEHOLDS ARE FOUNDATIONAL TO CHILD DEVELOPMENT AND GROWTH. WHEN A HOME FOSTERS - INSTEAD OF HINDERS - HEALTH AND SAFETY, FAMILIES CAN FLOURISH. OWNING AN AFFORDABLE HOME ALSO ALLOWS HOMEOWNERS TO LIFT UP THEIR ENTIRE FAMILY BY SAVING FOR THEIR FUTURES AND INVESTING IN EDUCATIONAL OPPORTUNITIES, BOLSTERING JOB OPPORTUNITIES AND CAREER GROWTH. DURING FISCAL YEAR 2023, INDIAN RIVER HABITAT FOR HUMANITY SERVED MORE THAN TWENTY SIX PEOPLE THROUGH ITS LONG-TERM HOMEOWNERSHIP PROGRAM.</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>FORM 990, PAGE 6, PART VI, LINE 11B</FormAndLineReferenceDesc>
        <ExplanationTxt>REVIEW WILL BE CONDUCTED BY SELECT MEMBERS OF MANAGEMENT AND THE BOARD OF DIRECTORS PRIOR TO SUBMISSION</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>FORM 990, PAGE 6, PART VI, LINE 12C</FormAndLineReferenceDesc>
        <ExplanationTxt>MONITORED AND ENFORCED BY MEANS OF KNOWING OUR BUSINESS PARTNERS, POLLING THE BOARD MEMBERS, AND REITERATING THE WRITTEN POLICY.</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>FORM 990, PAGE 6, PART VI, LINE 15A</FormAndLineReferenceDesc>
        <ExplanationTxt>THE PERFORMANCE EVALUATION OF THE PRESIDENT OF THE ORGANIZATION IS INITIATED BY THE CHAIRPERSON OF THE BOARD, AND THE EXECUTIVE COMMITTEE OF THE BOARD REVIEWS AND COMPLETES THE EVALUATION.</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>FORM 990, PAGE 6, PART VI, LINE 15B</FormAndLineReferenceDesc>
        <ExplanationTxt>THE INDIAN RIVER HABITAT FOR HUMANITY BOARD OF DIRECTORS CONTRACTS AN INDEPENDENT THIRD PARTY TO EXAMINE ALL POSITIONS IN THE ORGANIZATION WITH REGARD TO COMPENSATION. SUCH AN ANALYSIS IS CONTRACTED APPROXIMATELY EVERY THIRD YEAR AND INCLUDES A COMPARISON OF COMPENSATION AND BENEFITS AMOUNG NOT-FOR-PROFIT AND FOR-PROFIT ORGANIZATIONS. PERFORMANCE EVALUATIONS ARE THE BASIS OF INCREASES TO COMPENSATION AND ARE COMPLETED BY THE IMMEDIATE SUPERVISOR OF EACH POSITION, WHICH ARE THEN REVIEWED BY THE NEXT HIGHER LEVEL OF MANAGEMENT AND THE PRESIDENT.</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>FORM 990, PAGE 6, PART VI, LINE 19</FormAndLineReferenceDesc>
        <ExplanationTxt>FINANCIAL STATEMENTS ON WEBSITE</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>FORM 990, PART XI, LINE 9</FormAndLineReferenceDesc>
        <ExplanationTxt>DIRECT EXPENSES NETTED WITH FUNDRAISING ACTIVITIES 181,806 ROUNDING 2 DIRECT EXPENSES NETTED WITH FUNDRAISING ACTIVITIES -181,806 TOTAL 2</ExplanationTxt>
      </SupplementalInformationDetail>
    </IRS990ScheduleO>
  </ReturnData>
</Return>
