Developer outlines 'Camino Verde' Rosie Home plan to deliver small, subsidized single‑family homes

The Makeleby Group presented a detailed plan for Camino Verde (also called the Rosie Home project) at the Ephraim Planning Commission meeting on Aug. 27, outlining a small‑lot single‑family product aimed at first‑time buyers and people seeking entry‑level homeownership.

Presenter Kurt Macholby described 'flex homes' that begin as modest 1,200‑square‑foot single‑family units with the ability to expand later. The developer said the base model appraised at about $369,000 but will be listed on MLS at $349,000; the team plans a $10,000 builder subsidy and a roughly 0.75–1.0 point mortgage buydown to reduce monthly payments so buyers can qualify at lower payment levels. The developer also mentioned marketing a $329,000 buyer cost target as part of their affordability messaging.

A representative from Security National Mortgage told the commission there is a state $20,000 first‑time homebuyer grant available for new homes but stressed the grant carries income limits and must attach to a brand‑new, never‑lived‑in dwelling. The lender explained the grant typically appears as a recorded second lien to protect program objectives (for example, to discourage quick flips), which can complicate using other local housing funds that are unwilling to take a third‑lien position.

Commissioners and residents pressed the developer on parking, rentals and HOA enforcement. The developer said small units will deliver three dedicated parking spaces (two garage, one side space) and larger units five spaces; parking and guest rules would be enforced by an HOA and by winter street‑parking enforcement on public streets. Staff clarified internal accessory dwelling units (ADUs) are allowed if owner‑occupied but that duplexing or creating two separate rental units without owner‑occupancy is not permitted under current city rules.

The presenter said the project will aim to use state and local programs to reduce buyer costs and that the team is exploring ways for Ephraim’s Housing Authority to assist with impact‑fee relief. The developer described master development agreements (MDAs) as a tool used in larger projects to create smaller frontages and affordability standards and said the team will start construction activity as early as September, with model homes and MLS listings to follow.

Next steps include continuing coordination with city staff on impact‑fee arrangements and lien/grant mechanics, and moving forward through required land‑use approvals and construction sequencing.