Community Land Trust

How our Land Trust works:

One Roof’s Community Land Trust program allows lower income home buyers to purchase Land Trust homes for a significantly reduced price. In exchange for this assistance, One Roof maintains ownership of the land, which homeowners lease for a small fee. When homeowners move, they agree to pass on the benefits they received by selling their home below market price to another income-qualified buyer.

When Land Trust homeowners sell their homes they receive the amount they originally paid for the house, plus twenty-five percent of how much the property (house and land) appreciated in value. That new amount is what the next buyer pays for the house and the leasehold interest in the land.

Because of the Land Trust resale formula, the organization’s initial investment (in the form of down-payment and rehab assistance) is recycled and stays with the home every time it is sold. To date, One Roof Community Housing has resold over 218 Land Trust homes and recycled over $15 million in subsidies, preserving our community’s investment.

The Community Land Trust model is designed to provide access to land and housing to people who might otherwise be denied access; to increase long-term community control of neighborhood resources; to empower residents through involvement and participation in the organization; and to preserve the affordability of housing permanently.

Currently, there are an estimated 12,000 community land trust homes nationwide. To learn more about the history of the Community Land Trusts and to find other community land trusts in the country visit and interactive map of land trusts around the country.

Information about our current and upcoming Land Trust homes available for purchase can be found here.

Are you ready to apply? Click here to complete our on-line application.




Alyssa’s Story

Alyssa became a Community Land Trust homeowner at the end of December 2014. Looking for an opportunity to start over, Alyssa discovered One Roof’s Home Buyer workshop and counseling program, and realized that she had the resources to begin a new life.

“I never thought owning a home was possible on my income as a single mother. Since purchasing our home it has become our safe haven. It’s a comfort to know that I could provide a home for my son while paying less than I had been paying for rent.”

“Now that my son has celebrated his second birthday in our home, I’m so thankful this is the place where he turned one, took his first steps, said his first words and learned to use utensils. I can see in my son’s innocent eyes and hear in his sweet giggle how comfortable and happy he is here.”

“I tell anyone I know who is considering buying a house about One Roof’s Community Land Trust program because I know how much it means to me. It gave me the chance to start over and has been one of the best choices I ever made.” 

DULUTH, MN 55805

Office Hours:

*In-person appointments and office visits are by appointment only.  Please call 727-5372 to schedule an appointment!

Phone: (218) 727-5372

Fax: (218) 727-9368


One Roof Community Housing Copyright 2021
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