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The Coves at River Garden

Tax-deductible

Jacksonville, FL501(c)(3)Housing EIN 46-4357165Revenue $3.9M in FY2024Latest return filed Nov 14, 2025

On file with the IRSrivergarden.org/our-services/the-coves11401 Old Saint Augustine Rd, 32258-1402 · Jacksonville, FLTax-exempt since Jan 2014Publicly supported — 509(a)(2)

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Operation of an 80-unit independent living senior housing community.

501(c)(3) charity; gifts are tax-deductible.
98¢ of each $1 spent went to programs.
Mission: Form 990 Part I, line 1 · Status: IRS Pub. 78 · Programs: Part IX

Before you give

FY2024 · 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
FY2024
latest Form 990
Looks good: the latest return is for FY2024, 2 tax years back; within 2 tax years.
IRS e-file · Filing history
Surplus or deficit
3 of 5
filings with a surplus
Average deficit $11K a year · under 1% of revenue · last 5 filings
Worth a look: a surplus in 3 of the last 5 filings.
Pt I · Ln 19 · 5 filings
Spent on programs
98%
of spending
Looks good: 98% of spending went to programs; 75% or more.
Pt IX · Ln 25 · col B
Cash reserves
1 mo
of spending, in cash
Fine: 1.3 months of spending in cash; 1 to 3.
Pt X · Ln 1–2 · Pt I · Ln 18
Liabilities
$627K
44% of total assets
Looks good: liabilities are 44% of assets; 50% or less.
Pt X · Ln 26
Independent board members
11
of 11 voting members
Looks good: 11 of 11 voting members are independent, a majority.
Pt VI · Ln 1a–1b
Looks goodFineWorth a lookConcernNo data yetTap a box for the reason.
Revenue
$3.9M
+6% vs prior year
Spent
$3.7M
To programs
98%
Net assets
$796K
By yearFY2020–FY2024
Revenue
$3.9M
FY2024▲ +6%
Tap a bar for its year
Revenue by fiscal year
FY2020$3.1M
FY2021$3.3M
FY2022$3.6M
FY2023$3.6M
FY2024$3.9M
Expenses
$3.7M
FY2024▼ -2%
Tap a bar for its year
Expenses by fiscal year
FY2020$3.1M
FY2021$3.2M
FY2022$3.6M
FY2023$3.8M
FY2024$3.7M
Net assets
$796K
FY2024▲ +17%
Tap a bar for its year
Net assets by fiscal year
FY2020$860K
FY2021$878K
FY2022$841K
FY2023$679K
FY2024$796K

From the FY2024 Form 990 · figures checked against the IRS filing · see the original

Give Claim

Is it real?

Yes. Never revoked by the IRS. Latest filing on record: FY2024. IRS ruling in Jan 2014.

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

Where the money goes

98 cents of each dollar spent went to programs.

Program services 98% · $3.6M Management & general 2% · $84K

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

Something off? Claim to add context

Who runs it and what they're paid

15 people listed on the 990.

Part VII, Section A · reportable compensation
Judy Paul
Treasurer
$0Pt VII · Sec A
Malcolm Bloom
Vice President
$0Pt VII · Sec A
Michael Price
President
$0Pt VII · Sec A
Shirley Bielski
2nd Vice President
$0Pt VII · Sec A
Susan Cohen
Secretary
$0Pt VII · Sec A
$0Pt VII · Sec A
$0Pt VII · Sec A
$0Pt VII · Sec A
See The Coves at River Garden 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 2Yes
  • Top official's pay set by an independent reviewPt VI · Ln 15aYes

Programs and updates

Provides affordable housing for 80 seniors in an independent living community.

Questions for The Coves at River Garden

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1 program · $3.6M · in their own filed words · FY2024
01

The coves at river garden is an independent living retirement community consisting of 80 garden apartment homes. Nestled on 37 beautiful acres, members of the coves enjoy a lovely environment that offers comfort, security and maintenance-free living.

$3.6Mprogram expense

By the numbers

The FY2024 990, line by line.

Download 990
from philanthropy.org
1The main four
Money inPt VIII
$3.9M
Ln 12
Fees for servicesLn 2g$3.9M
Money outPt IX
$3.7M
Ln 25
Programscol B$3.6M
Managementcol C$84K
Owns and owesPt X
$796K
net assets · Ln 32
Cash and savingsLn 1–2$394K
Total assetsLn 16$1.4M
LiabilitiesLn 26$627K
PeoplePt VI, VII
15
listed · VII A
PaidVII A0
Voting boardVI 1a11
IndependentVI 1b11
2In more detail
Revenue in detailPt VIII
Fees for servicesLn 2g$3.9M
Total revenueLn 12$3.9M
Assets in detailPt X, end of year
CashLn 1$394K
Cash and savings togetherLn 1–2$394K
Land, buildings, equipmentLn 10c$997K
Other assetsLn 15$0
Total assetsLn 16$1.4M
LiabilitiesLn 26$627K
Net assetsLn 32$796K
OperationsPt I, VI
EmployeesI 561
VolunteersI 60
Fiscal year endsHeaderDecember
Conflict-of-interest policyVI 12aYes
Whistleblower policyVI 13Yes
Records policyVI 14Yes
3Year over year
Balance sheet, start vs end of yearPt X · col A, B
LineStart FY24End FY24
Cash and savingsLn 1–2$321K$394K
Land, buildings, equipmentLn 10c$855K$997K
Total assetsLn 16$1.3M$1.4M
LiabilitiesLn 26$630K$627K
Net assetsLn 32$679K$796K
4Every line
Statement of functional expensesPt IX · every line
LineTotalProgramsManagementFundraising
Other salaries and wagesLn 7$950K$950K$0
Pension plan contributionsLn 8$16K$16K$0
Other employee benefitsLn 9$70K$70K$0
Payroll taxesLn 10$71K$71K$0
Accounting feesLn 11c$71K$0$71K
Other fees for servicesLn 11g$804K$804K$0$0
Advertising and promotionLn 12$2K$0$2K
Office expensesLn 13$19K$7K$12K
OccupancyLn 16$1.1M$1.1M
Conferences, conventions and meetingsLn 19$31$31
Depreciation, depletion and amortizationLn 22$132K$132K
InsuranceLn 23$109K$109K
Other expenses (24a–d)Ln 24$436K$436K
All other expensesLn 24e$0$0$0$0
Total functional expensesLn 25$3.7M$3.6M$84K$0

Filing history

YearMoney inMoney outIn minus outNet assetsDownload
FY2024 Latest ViewingFiled with the IRS Nov 14, 2025 $3.9M$3.7M$118K$796K 990 PDF
FY2023Filed with the IRS Jan 23, 2025 $3.6M$3.8M−$162K$679K 990 PDF
FY2022Filed with the IRS Nov 3, 2023 $3.6M$3.6M−$37K$841K 990 PDF
FY2021Filed with the IRS Nov 14, 2022 $3.3M$3.2M$18K$878K 990 PDF
FY2020Filed with the IRS Nov 12, 2021 $3.1M$3.1M$7K$860K 990 PDF

Schedules filed Part IV

III · Programs R · Related orgs G · Fundraising L · Interested persons I · Grants A · Public support O · Explanations
See the full FY2024 990 (6 parts)
Part I · Summary $3,850,130 revenue, 12 lines filed
I-8 Contributions and grants$0
I-9 Program service revenuePrior year $3,647,358$3,850,130
I-10 Investment income$0
I-11 Other revenue$0
I-12 Total revenuePrior year $3,647,358$3,850,130
I-13 Grants and similar amounts paid$0
I-14 Benefits paid to members$0
I-15 Salaries and benefitsPrior year $1,139,727$1,106,979
I-16a Professional fundraising fees$0
I-17 Other expensesPrior year $2,669,461$2,625,590
I-18 Total expensesPrior year $3,809,188$3,732,569
I-19 Revenue less expensesPrior year −$161,830$117,561
Part VI · Governance 11 of 11 board members independent, 1 to look at
VI-1a Voting members of the governing body11
VI-1b Independent voting members11
VI-2 Family or business relationship among officers or directorsYes
VI-12a Written conflict of interest policyYes
VI-13 Written whistleblower policyYes
VI-14 Document retention and destruction policyYes
VI-15a Process for setting top official's payYes
Part VIII · Statement of revenue $3,850,130 across 3 lines filed
VIII-1h Total contributions, gifts and grants$0
VIII-2a-f Program service revenue, itemized rows (sum of 2a–2f as filed)Related to mission $3,850,130$3,850,130
VIII-12 Total revenueRelated to mission $3,850,130 · Unrelated business $0 · Excluded from tax $0$3,850,130
Part IX · Statement of functional expenses $3,732,569 across 14 lines filed
IX-7 Other salaries and wagesPrograms $949,884 · Management $0$949,884
IX-8 Pension plan contributionsPrograms $15,680 · Management $0$15,680
IX-9 Other employee benefitsPrograms $70,020 · Management $0$70,020
IX-10 Payroll taxesPrograms $71,395 · Management $0$71,395
IX-11c Accounting feesPrograms $0 · Management $70,555$70,555
IX-11g Other fees for servicesPrograms $803,950 · Management $0 · Fundraising $0$803,950
IX-12 Advertising and promotionPrograms $0 · Management $1,704$1,704
IX-13 Office expensesPrograms $7,301 · Management $11,860$19,161
IX-16 OccupancyPrograms $1,052,497$1,052,497
IX-19 Conferences, conventions and meetingsPrograms $31$31
IX-22 Depreciation, depletion and amortizationPrograms $131,991$131,991
IX-23 InsurancePrograms $109,476$109,476
IX-24 Other expenses (24a–d)Programs $436,225$436,225
IX-24e All other expensesPrograms $0 · Management $0 · Fundraising $0$0
IX-25 Total functional expensesPrograms $3,648,450 · Management $84,119 · Fundraising $0$3,732,569
Part X · Balance sheet $1,422,814 assets, 13 lines filed
X-1 Cash, non-interest-bearingStart of year $321,343$394,275
X-4 Accounts receivableStart of year $59,315$21,826
X-9 Prepaid expenses and deferred chargesStart of year $11,205$9,723
X-10c Land, buildings and equipment, netStart of year $854,630$996,990
X-15 Other assetsStart of year $62,501$0
X-16 Total assetsStart of year $1,308,994$1,422,814
X-17 Accounts payable and accrued expensesStart of year $297,564$280,146
X-19 Deferred revenueStart of year $13,750$13,750
X-25 Other liabilitiesStart of year $318,967$332,644
X-26 Total liabilitiesStart of year $630,281$626,540
X-27 Net assets without donor restrictionsStart of year $678,713$796,274
X-32 Total net assets or fund balancesStart of year $678,713$796,274
X-33 Total liabilities and net assetsStart of year $1,308,994$1,422,814
Part XI · Reconciliation of net assets $796,274 net assets at year end
XI-1 Total revenue$3,850,130
XI-2 Total expenses$3,732,569
XI-3 Revenue less expenses$117,561
XI-4 Net assets at start of year$678,713
XI-9 Other changes in net assets$0
XI-10 Net assets at end of year$796,274

Form 990 e-file (XML) FY2024 from the IRS · Classification, formation year and address from the IRS Business Master File

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