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.

501(c)(3) charity; gifts are tax-deductible.
75¢ of each $1 spent went to programs.
$55K paid to officers and key staff.
Mission: Form 990 Part I, line 1 · Status: IRS Pub. 78 · Programs: Part IX · Pay: Part VII

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FY2020 · Form 990Independent: from IRS data, not the org
Download 990
IRS status
501(c)(3)
not on the IRS revocation list
Looks good: listed by the IRS and not on the revocation list.
IRS BMF · Auto-Revocation List
Tax-deductible gifts
Yes
Donations are tax-deductible
Looks good: the IRS lists gifts to it as deductible.
IRS Pub. 78 · IRS BMF
Latest return
FY2025
latest Form 990
Looks good: the latest return is for FY2025, 1 tax year back; within 2 tax years.
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
Fine: a surplus in 5 of the last 6 filings.
Pt I · Ln 19 · 6 filings
Spent on programs
75%
of spending
Looks good: 75% of spending went to programs; 75% or more.
Pt IX · Ln 25 · col B
Pay to officers and key staff
$55K
to officers and key staff · 10% of spending
Looks good: pay to officers and key staff is 10% of spending; 15% or less.
Pt VII · Sec A
30 mo
of spending, in cash
Plus $2.0M in investments, Pt X · Ln 11–13
Looks good: 29.7 months of spending in cash; 3 or more.
Pt X · Ln 1–2 · Pt I · Ln 18
Named funders
2
named funders · $50K
Fine: 2 funders name it on their filings; under 3.
Funders’ Sch. I, 990-PF
Liabilities
$365K
9% of total assets
Looks good: liabilities are 9% of assets; 50% or less.
Pt X · Ln 26
Independent board members
15
of 15 voting members
Looks good: 15 of 15 voting members are independent, a majority.
Pt VI · Ln 1a–1b
Looks goodFineWorth a lookConcernNo data yetTap a box for the reason.
Revenue
$1.2M
Spent
$532K
To programs
75%
Net assets
$3.5M
By yearFY2020–FY2025
Revenue
$1.2M
FY2020
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
$532K
FY2020
Tap a bar for its year
Expenses by fiscal year
FY2020$532K
FY2021$650K
FY2022$667K
FY2023$705K
FY2024$834K
FY2025$815K
Net assets
$3.5M
FY2020
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 FY2020 Form 990 (year ending September 2020) · see the original

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You’re viewing the FY2020 filing — not the latest on file. See the latest (FY2025) →

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

75 cents of each dollar spent went to programs.

Program services 75% · $401K Management & general 20% · $104K Fundraising 5% · $27K

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

16 people listed on the 990; $55K paid to officers and key staff.

Part VII, Section A · reportable compensation · most recent filed roster (FY2019); the FY2020 filing did not itemize Part VII
Executive Director
$55,003Pt VII · Sec A
Treasurer
$0Pt VII · Sec A
$0Pt VII · Sec A
VP Facilities
$0Pt VII · Sec A
VP Resident Relations
$0Pt VII · Sec A
VP Trustee Development
$0Pt VII · Sec A
$0Pt VII · Sec A
$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.

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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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Provided by the organization

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2 programs · $401K · in their own filed words · FY2019
01

Apartment rental for persons with physical disabilities.

$223Kprogram 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.

$178Kprogram 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 FY2020 990, line by line.

1The main four
Money inPt VIII
$1.2M
Ln 12
Gifts and grantsLn 1h$1.0M
Fees for servicesLn 2g$115K
Investment incomeLn 3$100K
Money outPt IX
$532K
Ln 25
Programscol B$401K
Managementcol C$104K
Fundraisingcol D$27K
Owns and owesPt X
$3.5M
net assets · Ln 32
Cash and savingsLn 1–2$1.3M
Total assetsLn 16$3.9M
LiabilitiesLn 26$365K
PeoplePt VI, VII
16
listed · VII A
PaidVII A1
Voting boardVI 1a15
IndependentVI 1b15
2In more detail
Revenue in detailPt VIII
Gifts and grantsLn 1h$1.0M
Government grantsLn 1e$296K
Fundraising eventsLn 1c$24K
Fees for servicesLn 2g$115K
Investment incomeLn 3$100K
Total revenueLn 12$1.2M
Assets in detailPt X, end of year
CashLn 1$9K
SavingsLn 2$1.3M
Cash and savings togetherLn 1–2$1.3M
InvestmentsLn 11–13$2.0M
Land, buildings, equipmentLn 10c$279K
Other assetsLn 15$137K
Total assetsLn 16$3.9M
LiabilitiesLn 26$365K
Net assetsLn 32$3.5M
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 FY20End FY20
Cash and savingsLn 1–2$679K$1.3M
InvestmentsLn 11–13$1.9M$2.0M
Land, buildings, equipmentLn 10c$298K$279K
Total assetsLn 16$3.1M$3.9M
LiabilitiesLn 26$363K$365K
Net assetsLn 32$2.7M$3.5M
4Every line
Statement of functional expensesPt IX · every line
LineTotalProgramsManagementFundraising
Grants to domestic organizationsLn 1$54K$54K
Pay of current officers, directors and key staffLn 5$58K$58K
Other salaries and wagesLn 7$52K$38K$14K
Other employee benefitsLn 9$15K$9K$4K$2K
Payroll taxesLn 10$18K$14K$3K$1K
Management feesLn 11a$38K$38K
Advertising and promotionLn 12$146$37$36$73
Office expensesLn 13$15K$8K$4K$3K
OccupancyLn 16$41K$39K$2K
Conferences, conventions and meetingsLn 19$1K$739$370$370
InterestLn 20$12K$11K$1K
Depreciation, depletion and amortizationLn 22$19K$19K$362
InsuranceLn 23$7K$5K$2K
Other expenses (24a–d)Ln 24$194K$176K$11K$7K
All other expensesLn 24e$7K$7K
Total functional expensesLn 25$532K$401K$104K$27K

Filing history

YearMoney inMoney outIn minus outNet assetsDownload
FY2025 Latest $615K$815K−$200K$4.0M 990 PDF
FY2024 $1.0M$834K$172K$3.9M 990 PDF
FY2023 $1.2M$705K$445K$3.5M 990 PDF
FY2022 $722K$667K$56K$3.2M 990 PDF
FY2021 $760K$650K$111K$3.8M 990 PDF
FY2020 Viewing $1.2M$532K$703K$3.5M 990 PDF

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Schedules filed Part IV

III · Programs R · Related orgs G · Fundraising L · Interested persons I · Grants A · Public support O · Explanations
See the full FY2020 990 (6 parts)
Part I · Summary $1,234,777 revenue, 12 lines filed
I-8 Contributions and grantsPrior year $514,977$1,034,051
I-9 Program service revenuePrior year $114,186$115,140
I-10 Investment incomePrior year $76,373$99,632
I-11 Other revenuePrior year −$6,687−$14,046
I-12 Total revenuePrior year $698,849$1,234,777
I-13 Grants and similar amounts paidPrior year $109,500$54,134
I-14 Benefits paid to membersPrior year $0$0
I-15 Salaries and benefitsPrior year $300,526$142,664
I-16a Professional fundraising feesPrior year $0$0
I-17 Other expensesPrior year $221,172$335,232
I-18 Total expensesPrior year $631,198$532,030
I-19 Revenue less expensesPrior year $67,651$702,747
Part VI · Governance 15 of 15 board members independent, 1 to look at
VI-1a Voting members of the governing body15
VI-1b Independent voting members15
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 $1,234,777 across 9 lines filed
VIII-1c Fundraising events$23,500
VIII-1e Government grants$295,792
VIII-1f All other contributions, gifts and grants$714,759
VIII-1h Total contributions, gifts and grants$1,034,051
VIII-2a-f Program service revenue, itemized rows (sum of 2a–2f as filed)Related to mission $115,140$115,140
VIII-3 Investment incomeExcluded from tax $99,632$99,632
VIII-8 Net income from fundraising eventsExcluded from tax −$15,849−$15,849
VIII-11a-d Other revenue, itemized rows (sum of 11a–11d as filed)Related to mission $1,803$1,803
VIII-12 Total revenueRelated to mission $116,943 · Unrelated business $0 · Excluded from tax $83,783$1,234,777
Part IX · Statement of functional expenses $532,030 across 15 lines filed
IX-1 Grants to domestic organizationsPrograms $54,134$54,134
IX-5 Pay of current officers, directors and key staffPrograms $58,082$58,082
IX-7 Other salaries and wagesManagement $37,704 · Fundraising $13,820$51,524
IX-9 Other employee benefitsPrograms $9,409 · Management $3,695 · Fundraising $1,590$14,694
IX-10 Payroll taxesPrograms $14,221 · Management $3,085 · Fundraising $1,058$18,364
IX-11a Management feesManagement $37,779$37,779
IX-12 Advertising and promotionPrograms $37 · Management $36 · Fundraising $73$146
IX-13 Office expensesPrograms $7,632 · Management $4,333 · Fundraising $3,087$15,052
IX-16 OccupancyPrograms $39,070 · Management $1,877$40,947
IX-19 Conferences, conventions and meetingsPrograms $739 · Management $370 · Fundraising $370$1,479
IX-20 InterestPrograms $10,851 · Management $1,380$12,231
IX-22 Depreciation, depletion and amortizationPrograms $18,600 · Management $362$18,962
IX-23 InsurancePrograms $5,120 · Management $2,267$7,387
IX-24 Other expenses (24a–d)Programs $176,103 · Management $11,046 · Fundraising $6,645$193,794
IX-24e All other expensesPrograms $7,455$7,455
IX-25 Total functional expensesPrograms $401,453 · Management $103,934 · Fundraising $26,643$532,030
Part X · Balance sheet $3,865,816 assets, 17 lines filed
X-1 Cash, non-interest-bearingStart of year $3,327$8,689
X-2 Savings and temporary cash investmentsStart of year $675,276$1,306,712
X-4 Accounts receivableStart of year $57,451$94,079
X-9 Prepaid expenses and deferred chargesStart of year $2,542$2,669
X-10c Land, buildings and equipment, netStart of year $298,120$279,158
X-13 Program-related investmentsStart of year $1,917,675$2,037,326
X-14 Intangible assetsStart of year $21,818$0
X-15 Other assetsStart of year $129,905$137,183
X-16 Total assetsStart of year $3,106,114$3,865,816
X-17 Accounts payable and accrued expensesStart of year $138,103$14,031
X-19 Deferred revenueStart of year $22$19
X-25 Other liabilitiesStart of year $4,475$4,378
X-26 Total liabilitiesStart of year $363,175$365,015
X-27 Net assets without donor restrictionsStart of year $2,742,939$3,225,801
X-28 Net assets with donor restrictionsStart of year $0$275,000
X-32 Total net assets or fund balancesStart of year $2,742,939$3,500,801
X-33 Total liabilities and net assetsStart of year $3,106,114$3,865,816
Part XI · Reconciliation of net assets $3,500,801 net assets at year end
XI-1 Total revenue$1,234,777
XI-2 Total expenses$532,030
XI-3 Revenue less expenses$702,747
XI-4 Net assets at start of year$2,742,939
XI-5 Net unrealized gains (losses) on investments$55,115
XI-9 Other changes in net assets$0
XI-10 Net assets at end of year$3,500,801

Form 990 e-file (XML) FY2020 from the IRS · Classification, formation year and address from the IRS Business Master File

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