I can't call it. Just posting the haps near me.
I think Bahamian Americans and Black Americans from South Carolina and Georgia helped settle the Overtown and Coconut Grove sections of Miami Fl. during the Henry Flagler railroad building days.
One of Miami’s oldest Black churches faces financial cliff due to loans by ex-pastor
BY LAUREN COSTANTINO AUGUST 06, 2023 5:00 AM .
The church is facing a foreclosure lawsuit over a $1.6 million mortgage taken out by its former pastor, Bishop James D. Adams. Before Bishop James D. Adams signed his name to two mortgages on the church totaling nearly $2.5 million, St. John Institutional Missionary Baptist Church in Overtown — one of the oldest Black churches in Miami — was in good financial standing.
But after months and months of missed payments and a shake-up of church leadership, St. John’s is now facing foreclosure on three of its properties that were pledged as collateral against the loans.
Cecily Robinson-Duffie, left, in the blue dress, joins in prayer over a parishioner with her husband Troy Duffie, right, during a Sunday service at St. John Institutional Missionary Baptist Church in Overtown. The church is facing a foreclosure lawsuit over a $1.6 million mortgage taken out by its former pastor, Bishop James D. Adams. CARL JUSTE
cjuste@miamiherald.com
St John’s, which has roots going back to 1906, 10 years after the city of Miami was founded, has until Aug. 14 to pay back the lender or congregants will lose their fellowship hall, which houses the Sunday School classrooms and where services are held while the church undergoes renovations. Two other church buildings and their parking lots also are affected. The historic church building at 1328 NW Third Ave. is not impacted.
Miami, Florida, July 24, 2023 - St. John Institutional Missionary Baptist Church, 1328 NW Third Ave., Miami. The church’s roots date to 1906, making it one of Miami’s oldest Black churches. Jose A. Iglesias
jiglesias@elnuevoherald.com
Much of the money went to buying a swanky downtown riverfront condo that Adams’ lawyer says was meant to be his parsonage, or church house. Adams moved in shortly after he signed for an $845,000 mortgage in the church’s name in 2017. Church leaders say they knew nothing about the mortgage at the time.
“The church and everybody I have interviewed who’s a member and affiliated with the church says, ‘We never had a congregation meeting on that,’” said Marva Wiley, an attorney for St John’s. Wiley was referring to two balloon mortgages taken out in the church’s name and signed by Adams — the $845,000 one in 2017 and another for $1.6 million in 2018, according to Miami-Dade County mortgage records.
The church has since sold the condo, using the proceeds to pay off the $845,000 mortgage and back condo fees. But it’s still on the hook for the $1.6 million mortgage, which has mushroomed to about $2.5 million after accrued unpaid interest, taxes and fees, according to Wiley.
Adams, 62, who was elected senior pastor in 2010, was fired by the church in 2021. Adams did not answer questions directly from the Herald; he responded through his attorney.
Bishop James D. Adams, the former pastor at St. John Institutional Missionary Baptist Church in Miami. David Santiago
dsantiago@miamiherald.com
Adams’ attorney, Robert Harris, contends the congregation knew about the mortgages and that the church needed a new roof, new windows as well as funds to pay new staff and musicians for Sunday services.
“They didn’t have any money. The only thing that they had were assets,” Harris said in an interview with the Herald. “We took out a loan on the assets to pay the bill. Everyone agreed to it.”
City of Miami building records show the church applied for roof and window permits. But, the total cost of the estimated repairs was well below $1.6 million — around $35,000 for the roof and $33,000 for the window and door repairs, according to the city’s building permit portal iBuild.
“There may have been financial issues, but they were of his making,” Wiley said, adding the former pastor signed off on other balloon mortgages prior to the $1.6 million one now in default.