Creative Living INC

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Creative Living is a nonprofit organization encouraging independent Living for adults with severe physical disabilities by providing wheelchair accessible housing and assistance and by creating a supportive environment for people to learn, work, live and contribute to the community.

Form 990 Part I, line 1, FY2025. The organization’s own words, as filed with the IRS. Find it at the IRS (EIN 23-7159623) · Dispute this line
501(c)(3) charity; gifts are tax-deductible.
74¢ of each $1 spent went to programs.
Run by 40 volunteers and 49 employees.
Mission: Form 990 Part I, line 1 · Status: IRS Pub. 78 · Programs: Part IX · People: Part I, lines 5–6

Before you give

FY2025 · Form 990Independent: from IRS data, not the org
Download 990
IRS status
501(c)(3)
not on the IRS revocation list
Listed by the IRS and not on the revocation list.
IRS BMF · Auto-Revocation List
Tax-deductible gifts
Yes
Donations are tax-deductible
The IRS lists gifts to it as deductible.
IRS Pub. 78 · IRS BMF
Latest return
FY2025
latest Form 990
The latest return is for FY2025, 1 tax year back.
IRS e-file · Filing history
Surplus or deficit
5 of 6
filings with a surplus
Average surplus $214K a year · 23% of revenue · last 6 filings
A surplus in 5 of the last 6 filings.
Pt I · Ln 19 · 6 filings
Spent on programs
74%
of spending
74% of spending went to programs.
Pt IX · Ln 25 · col B
Pay to officers and key staff
$74K
to officers and key staff · 9% of spending
Pay to officers and key staff is 9% of spending.
Part VII, Section A
1.8 mo
of spending, in cash
Plus $3.5M in investments, Pt X · Ln 11–13
1.8 months of spending in cash.
Pt X · Ln 1–2 · Pt I · Ln 18
Named funders
2
named funders · $50K
2 funders name it on their filings.
Funders’ Sch. I, 990-PF
Liabilities
$344K
8% of total assets
Liabilities are 8% of assets.
Pt X · Ln 26
Independent board members
13
of 13 voting members
13 of 13 voting members are independent.
Pt VI · Ln 1a–1b
Revenue
$615K
-39% vs prior year
Spent
$815K
To programs
74%
Net assets
$4.0M
By yearFY2020–FY2025
Revenue
$615K
FY2025▼ -39%
Tap a bar for its year
Revenue by fiscal year
FY2020$1.2M
FY2021$760K
FY2022$722K
FY2023$1.2M
FY2024$1.0M
FY2025$615K
Expenses
$815K
FY2025▼ -2%
Tap a bar for its year
Expenses by fiscal year
FY2020$532K
FY2021$650K
FY2022$667K
FY2023$705K
FY2024$834K
FY2025$815K
Net assets
$4.0M
FY2025▲ +3%
Tap a bar for its year
Net assets by fiscal year
FY2020$3.5M
FY2021$3.8M
FY2022$3.2M
FY2023$3.5M
FY2024$3.9M
FY2025$4.0M

From the FY2025 Form 990 (year ending September 2025) · figures checked against the IRS filing · see the original

Is it real?

Yes. Never revoked by the IRS. Latest filing on record: FY2025. IRS ruling in Dec 1971.

IRS Pub. 78 · IRS Auto-Revocation List · IRS Business Master File

Where the money goes

74 cents of each dollar spent went to programs.

Program services 74% · $602K Management & general 13% · $105K Fundraising 13% · $108K

Form 990 Part IX, line 25, columns B–D. Every line is in By the numbers.

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Who runs it and what they're paid

14 people listed on the 990; $74K paid to officers and key staff (Part VII, Section A).

Part VII, Section A · reportable compensation
Executive Director
$73,523Pt VII · Sec A
Past President
$0Pt VII · Sec A
Treasurer
$0Pt VII · Sec A
VP Facilities
$0Pt VII · Sec A
VP Development
$0Pt VII · Sec A
VP Resident Relations
$0Pt VII · Sec A
VP Trustee Dev.
$0Pt VII · Sec A
Medical Advisor
$0Pt VII · Sec A

Michael Lightbody’s $74K as Executive Director is at the 64th percentile of top reported officer pay among 2167 $100K–1M human services nonprofits. Peer set: organizations in the same NTEE major field of work and revenue-size band, compared on each org’s own highest-paid officer/key-employee, from Form 990 Part VII / 990-PF Part VIII. Descriptive placement, not a verdict on whether the pay is appropriate.

Compensation history total reportable pay by year · 2 named individuals · Part VII

NameFY2025FY2024FY2023FY2022FY2021FY2020
Michael Lightbody$73,523$9,423————
Robert Overs—$70,270$68,239$60,929$63,434$55,003

Total reportable compensation (Form 990 Part VII column D / Schedule J column E) by filing year, matched by name within this organization. The Schedule J base / bonus / deferred breakdown is not parsed into this dataset.

See Creative Living INC executive salaries →

Questions the 990 asks

The form asks each of these directly. These are the filed answers.

  • Family or business ties among officersPt VI · Ln 2No
  • Top official's pay set by an independent reviewPt VI · Ln 15aYes

Programs and updates

Provides accessible rental housing for people with physical disabilities.

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2 programs · $602K · in their own filed words · FY2024
01

Apartment rental for persons with physical disabilities.

Form 990 Part III, line 4, FY2024. The organization’s own words, as filed with the IRS. Find it at the IRS (EIN 23-7159623) · Dispute this line
$390Kprogram expense
02

Resident assistant program 20 to 25 resident assistants provide "assisted" independent living services to physically disabled persons residing in our specially built facilities.

Form 990 Part III, line 4, FY2024. The organization’s own words, as filed with the IRS. Find it at the IRS (EIN 23-7159623) · Dispute this line
$212Kprogram expense

Funders

Who pays for it.

From grant filings on record. Receipts are incomplete: individual donors are never listed.

Grants

Schedule I · received and paid
Grants received · FY2025
Total grants receivedfrom 2 funders$50K
Grants paid · 6 grants · $770K · 2019–2024

By the numbers

The FY2025 990, line by line.

1The main four
Money inPt VIII
$615K
Ln 12
Gifts and grantsLn 1h$560K
Investment incomeLn 3$158K
Fees for servicesLn 2g$135K
Money outPt IX
$815K
Ln 25
Programscol B$602K
Managementcol C$105K
Fundraisingcol D$108K
Owns and owesPt X
$4.0M
net assets · Ln 32
Cash and savingsLn 1–2$119K
Total assetsLn 16$4.3M
LiabilitiesLn 26$344K
PeoplePt VI, VII
14
listed · VII A
PaidVII A1
Voting boardVI 1a13
IndependentVI 1b13
2In more detail
Revenue in detailPt VIII
Gifts and grantsLn 1h$560K
Government grantsLn 1e$328K
Fundraising eventsLn 1c$80K
Fees for servicesLn 2g$135K
Investment incomeLn 3$158K
Gains on assetsLn 7−$211K
Total revenueLn 12$615K
Assets in detailPt X, end of year
CashLn 1$3K
SavingsLn 2$116K
Cash and savings togetherLn 1–2$119K
Accounts receivableLn 4$6K
Prepaid expenses and deferred chargesLn 9$2K
Land, buildings, equipmentLn 10c$568K
InvestmentsLn 11–13$3.5M
Other assetsLn 15$144K
Total assetsLn 16$4.3M
LiabilitiesLn 26$344K
Net assetsLn 32$4.0M
OperationsPt I, VI
EmployeesI 549
VolunteersI 640
Fiscal year endsHeaderSeptember
Conflict-of-interest policyVI 12aYes
Whistleblower policyVI 13Yes
Records policyVI 14No
3Year over year
Balance sheet, start vs end of yearPt X · col A, B
LineStart FY25End FY25
Cash and savingsLn 1–2$86K$119K
InvestmentsLn 11–13$3.3M$3.5M
Land, buildings, equipmentLn 10c$615K$568K
Total assetsLn 16$4.2M$4.3M
LiabilitiesLn 26$337K$344K
Net assetsLn 32$3.9M$4.0M
4Every line
Statement of functional expensesPt IX · every line
LineTotalProgramsManagementFundraising
Grants to domestic organizationsLn 1$178K$178K
Pay of officers and key staff (Part IX, line 5)Ln 5$114K$34K$20K$59K
Other salaries and wagesLn 7$28K$8K$5K$14K
Other employee benefitsLn 9$29K$20K$4K$5K
Payroll taxesLn 10$24K$19K$3K$3K
Investment management feesLn 11f$19K$19K
Other fees for servicesLn 11g$24K$24K
Office expensesLn 13$24K$12K$6K$7K
OccupancyLn 16$50K$48K$2K
Conferences, conventions and meetingsLn 19$6K$3K$1K$1K
InterestLn 20$11K$10K$1K
Depreciation, depletion and amortizationLn 22$47K$47K$350
InsuranceLn 23$10K$7K$3K
Other expenses (24a–d)Ln 24$249K$214K$16K$19K
All other expensesLn 24e$3K$3K
Total functional expensesLn 25$815K$602K$105K$108K

Filing history

YearMoney inMoney outIn minus outNet assetsDownload
FY2025 Latest ViewingFiled with the IRS Jul 14, 2026 $615K$815K−$200K$4.0M 990 PDF
FY2024Filed with the IRS Jun 9, 2025 $1.0M$834K$172K$3.9M 990 PDF
FY2023Filed with the IRS Aug 15, 2024 $1.2M$705K$445K$3.5M 990 PDF
FY2022Filed with the IRS Aug 11, 2023 $722K$667K$56K$3.2M 990 PDF
FY2021Filed with the IRS Aug 12, 2022 $760K$650K$111K$3.8M 990 PDF
FY2020Filed with the IRS Aug 15, 2021 $1.2M$532K$703K$3.5M 990 PDF

Schedules filed Part IV

A · Public support B · Donors D · Assets and endowments G · Fundraising I · Grants O · Explanations R · Related orgs
See the full FY2025 990
Part I · Summary $614,750 revenue, 12 lines filed
I-8 Contributions and grantsPrior year $510,931$559,785
I-9 Program service revenuePrior year $133,835$135,010
I-10 Investment incomePrior year $343,350−$53,451
I-11 Other revenuePrior year $17,918−$26,594
I-12 Total revenuePrior year $1,006,034$614,750
I-13 Grants and similar amounts paidPrior year $180,000$177,500
I-14 Benefits paid to membersPrior year $0$0
I-15 Salaries and benefitsPrior year $206,790$194,320
I-16a Professional fundraising feesPrior year $0$0
I-17 Other expensesPrior year $447,196$443,347
I-18 Total expensesPrior year $833,986$815,167
I-19 Revenue less expensesPrior year $172,048−$200,417
Part VI · Governance 13 of 13 board members independent, 1 to look at
VI-1a Voting members of the governing body13
VI-1b Independent voting members13
VI-14 Document retention and destruction policyNo
VI-2 Family or business relationship among officers or directorsNo
VI-12a Written conflict of interest policyYes
VI-13 Written whistleblower policyYes
VI-15a Process for setting top official's payYes
Part VIII · Statement of revenue $614,750 across 9 lines filed
VIII-1c Fundraising events$79,947
VIII-1e Government grants$328,154
VIII-1f All other contributions, gifts and grants$151,684
VIII-1h Total contributions, gifts and grants$559,785
VIII-2a-f Program service revenue, itemized rows (sum of 2a–2f as filed)Related to mission $135,010$135,010
VIII-3 Investment incomeExcluded from tax $157,842$157,842
VIII-7 Net gain or loss on sales of assetsExcluded from tax −$211,293−$211,293
VIII-8 Net income from fundraising eventsExcluded from tax −$26,594−$26,594
VIII-12 Total revenueRelated to mission $135,010 · Unrelated business $0 · Excluded from tax −$80,045$614,750
Part IX · Statement of functional expenses $815,167 across 15 lines filed
IX-1 Grants to domestic organizationsPrograms $177,500$177,500
IX-5 Pay of officers and key staff (Part IX, line 5)Programs $34,410 · Management $20,133 · Fundraising $59,361$113,904
IX-7 Other salaries and wagesPrograms $8,363 · Management $4,893 · Fundraising $14,427$27,683
IX-9 Other employee benefitsPrograms $19,649 · Management $3,979 · Fundraising $5,187$28,815
IX-10 Payroll taxesPrograms $18,509 · Management $2,789 · Fundraising $2,620$23,918
IX-11f Investment management feesManagement $19,292$19,292
IX-11g Other fees for servicesManagement $23,826$23,826
IX-13 Office expensesPrograms $11,652 · Management $6,085 · Fundraising $6,598$24,335
IX-16 OccupancyPrograms $47,621 · Management $2,045$49,666
IX-19 Conferences, conventions and meetingsPrograms $2,781 · Management $1,391 · Fundraising $1,391$5,563
IX-20 InterestPrograms $9,975 · Management $1,335$11,310
IX-22 Depreciation, depletion and amortizationPrograms $46,664 · Management $350$47,014
IX-23 InsurancePrograms $7,076 · Management $2,643$9,719
IX-24 Other expenses (24a–d)Programs $213,985 · Management $16,397 · Fundraising $18,767$249,149
IX-24e All other expensesPrograms $3,473$3,473
IX-25 Total functional expensesPrograms $601,658 · Management $105,158 · Fundraising $108,351$815,167
Part X · Balance sheet $4,338,348 assets, 16 lines filed
X-1 Cash, non-interest-bearingStart of year $2,776$3,204
X-2 Savings and temporary cash investmentsStart of year $83,423$116,106
X-4 Accounts receivableStart of year $15,650$5,790
X-9 Prepaid expenses and deferred chargesStart of year $1,697$1,924
X-10c Land, buildings and equipment, netStart of year $615,381$568,367
X-13 Program-related investmentsStart of year $3,344,901$3,498,809
X-15 Other assetsStart of year $136,634$144,148
X-16 Total assetsStart of year $4,200,462$4,338,348
X-17 Accounts payable and accrued expensesStart of year $41,151$41,600
X-19 Deferred revenueStart of year $33$34
X-23 Secured mortgages and notes payableStart of year $290,376$296,405
X-25 Other liabilitiesStart of year $5,451$5,515
X-26 Total liabilitiesStart of year $337,011$343,554
X-27 Net assets without donor restrictionsStart of year $3,863,451$3,994,794
X-32 Total net assets or fund balancesStart of year $3,863,451$3,994,794
X-33 Total liabilities and net assetsStart of year $4,200,462$4,338,348
Part XI · Reconciliation of net assets $3,994,794 net assets at year end
XI-1 Total revenue$614,750
XI-2 Total expenses$815,167
XI-3 Revenue less expenses−$200,417
XI-4 Net assets at start of year$3,863,451
XI-5 Net unrealized gains (losses) on investments$331,760
XI-9 Other changes in net assets$0
XI-10 Net assets at end of year$3,994,794

Form 990 e-file FY2025 from the IRS (about our sources) · Classification, formation year and address from the IRS Business Master File

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