Frances and Richard Cummins Charitable Foundation
The Frances and Richard Cummins Charitable Foundation is a private foundation based in Belleair Bluffs, Florida. Its 2025 filing describes its charitable activity as making benevolent distributions to other qualifying charitable organizations.
Frances and Richard Cummins Charitable Foundation at a glance
In short: Frances and Richard Cummins Charitable Foundation gave $140K across 15 grants in 2025 (avg $9K), mostly in Florida. Source: 2025 IRS Form 990-PF.
- Annual giving (2025)
- $140,000
- +30.8% vs 2024
- Grants made (2025)
- 15
- +36.4% vs 2024
- Average grant
- $9,333
- -4.0% vs 2024
- Median grant
- $7,500
- Total assets
- $2,512,590
- -0.0% vs 2024
- Primary geography
- Florida (82% of itemized 2025 grant dollars)
- Latest 990 filing
- Form 990-PF, 2025 View filing
Data from IRS Form 990-PF, 2025; updated October 2026.
How to apply to Frances and Richard Cummins Charitable Foundation
- Accepts unsolicited proposals
- No
- How to Apply
-
The foundation does not accept unsolicited requests for funds; it makes contributions only to preselected charitable organizations.
- Contact
Mailing address: 2840 West Bay Drive Ste 155, Belleair Bluffs, FL 33770
Phone: (727) 446-1036
Application details from Grantable's research on the foundation's public materials; confirm on its website before applying.
Who Frances and Richard Cummins Charitable Foundation funds
How this funder distributes its grants
Top Recipients
Top 10 recipients in 2025
The largest 2025 recipient was Indian Rocks Christian School ($30K). Together the top 10 received $118K.
Grant Size Distribution
38 grants across all recorded years
The most common grant size was under $50K: 38 grants of 38 (100%).
Geographic Focus
Where this funder awards grants
In 2025, 82% of grant dollars went to recipients in Florida, 14% to recipients in Georgia, and 4% to recipients in New York.
Grant Distribution by State
Share of 2025 grant dollars across all 15 itemized grants.
Cities
How Frances and Richard Cummins Charitable Foundation gives
- 73% of 2025 grantees were also funded in 2024. Method
- Giving grew 120% from 2022 to 2025. Method
- In 2024 it paid out 88% of its IRS minimum distribution (the 5% rule). Foundations have until the end of the next year to meet it. Method
Estimate from itemized grant lists in IRS Form 990-PF filings (2025). Recipient names are matched across years, so a renamed or misspelled grantee can look new; grants to individuals are left out. Methodology.
Giving History
Giving Over Time
Total grant dollars and number of grants per year
From 2021 to 2025, annual grant giving ranged from $49K (2023) to $140K (2025). In 2025 it made 15 grants totaling $140K.
Grants by year
Grant recipients and amounts by year
| Recipient | Purpose | Amount |
|---|---|---|
| Indian Rocks Christian School Largo, FL | Charitable 501c3 Non-Profit | $30,000 |
| Eternal Family Project Hiram, GA | Charitable 501c3 Non-Profit | $20,000 |
| Palm Harbor United Methodist Church Palm Harbor, FL | Charitable 501c3 Non-Profit | $12,500 |
| St Vincent DePaul Clearwater, FL | Charitable 501c3 Non-Profit | $12,500 |
| Pinellas Education Foundation Largo, FL | Charitable 501c3 Non-Profit | $10,000 |
| Christian Service Center Saint Petersburg, FL | Charitable 501c3Non-Profit | $7,500 |
| Clearwater Aquatic Team Clearwater, FL | Charitable 501c3 Non-Profit | $7,500 |
| Clearwater Free Clinic Clearwater, FL | Charitable 501c3 Non-Profit | $7,500 |
| Clearwater for Youth Clearwater, FL | Charitable 501c3 Non-Profit | $5,000 |
| Anthony Gagliardi Memorial Fdn Tampa, FL | Charitable 501c3 Non-Profit | $5,000 |
Ready to take the next step with Frances and Richard Cummins Charitable Foundation?
Financial History
Multi-year comparison from IRS filings
The foundation states that its management and administrative costs directly support and are necessary to carry out its charitable programs and activities.
| Filing year | Total Assets | Revenue | Expenses | Grants paid | Grants | Qualifying Distributions | Net Investment Income | Distributable Amount |
|---|---|---|---|---|---|---|---|---|
| 2025 | $2,512,590 | $299,154 | $284,717 | $140,000 | 15 | — | $248,847 | $124,428 |
| 2024 | $2,512,600 | $187,978 | $227,301 | $107,000 | 11 | $107,000 | $137,829 | $121,834 |
| 2023 | $2,049,497 | $44,219 | $153,023 | $49,000 | 5 | $106,033 | — | $104,018 |
| 2022 | $2,158,300 | $48,694 | $176,772 | $63,516 | 5 | $129,879 | — | $106,571 |
| 2021 | $2,282,628 | $2,419,438 | $136,810 | $51,032 | 2 | — | $284,759 | $114,956 |
| 2020 | — | — | $5,323 | — | — | — | — | — |
Under IRS private-foundation payout rules, Frances and Richard Cummins Charitable Foundation reported a distributable amount of $124K for 2025 — the minimum it must pay out in qualifying distributions.
Research compiled by Grantable AI from public sources. Last updated September 2026.
Mission & Focus Areas
The foundation’s filing does not state a separate mission. Its 2025 grants show support for organizations with varied activities. For example, Eternal Family Project says its mission is to provide a family environment, schooling, and biblical teaching for abandoned and orphaned girls in Honduras. Clearwater Free Clinic says it provides low-income uninsured families access to acute and chronic medical care. Clearwater Aquatic Team describes its work as developing members through competitive swimming, teamwork, and a positive environment; Clearwater for Youth says it provides youth access to athletics and skill-building programs.
Grantmaking
In 2025, the foundation gave $140,000 through 15 grants. Grant amounts ranged from $2,500 to $30,000, with a median of $7,500. Its largest reported grants included Indian Rocks Christian School ($30,000), Eternal Family Project ($20,000), Palm Harbor United Methodist Church ($12,500), St Vincent DePaul ($12,500), and Pinellas Education Foundation ($10,000). The filing lists the grant purposes as charitable support for 501(c)(3) nonprofit organizations.
Leadership & Key People
Leadership team and compensation from IRS filings
The 2025 filing lists William Lovelace as President/Secretary, Sharyn Webb and Henry Webb as Vice Presidents, and Debra Snyder as Treasurer.
Frances and Richard Cummins Charitable Foundation's 2025 filing lists 4 officers; 3 of 4 officers listed in 2025 are compensated.
Officers on the 2025 filing
Debra Snyder
Treasurer
On filings since 2020
3 hrs/week
$22K (2022) → $28K (2025)
Henry Webb
Vice President
On filings since 2020
2 hrs/week
$22K (2022) → $28K (2025)
William Lovelace
Presidentsecretary
President & Secretary → Presidentsecretary, 2021
On filings since 2020
2 hrs/week
$22K (2022) → $28K (2025)
Sharyn Webb
Vice President
On filings since 2020
2 hrs/week
No compensation reported
Data from IRS Form 990 filings, 2020–2025. "On filings since" is the earliest filing we hold that lists the person; hours are average hours per week as reported.
Compensation Overview
From 2025 IRS filing
The highest reported compensation on the 2025 filing was $28K, to William Lovelace (PresidentSecretary). 3 officers or directors reported compensation on that filing.
Frequently asked questions about Frances and Richard Cummins Charitable Foundation
How much does Frances and Richard Cummins Charitable Foundation give each year?
Frances and Richard Cummins Charitable Foundation gave $140K across 15 grants in 2025, according to its 2025 IRS Form 990-PF. In 2024 it gave $107K across 11 grants.
What is Frances and Richard Cummins Charitable Foundation's typical grant size?
Frances and Richard Cummins Charitable Foundation's median grant in 2025 was $7,500, and its average grant was $9,333, across 15 grants on its 2025 IRS Form 990-PF.
Where does Frances and Richard Cummins Charitable Foundation give grants?
Frances and Richard Cummins Charitable Foundation gives mostly in Florida: 82% of the grant dollars itemized on its 2025 IRS Form 990-PF went to recipients there. The next largest state was Georgia (14%). The most frequent recipient cities were Clearwater, FL (5 grants), Largo, FL (2 grants) and Saint Petersburg, FL (2 grants).
Does Frances and Richard Cummins Charitable Foundation give general operating support?
Not in 2025: none of the 15 grants with a stated purpose on Frances and Richard Cummins Charitable Foundation's 2025 IRS Form 990-PF were described as general or operating support. Recurring purposes include "Charitable 501c3 Non-Profit" (14 grants).
Who are Frances and Richard Cummins Charitable Foundation's largest grantees?
Frances and Richard Cummins Charitable Foundation's largest 2025 grantees include Indian Rocks Christian School ($30,000), Eternal Family Project ($20,000) and Palm Harbor United Methodist Church ($12,500), according to its 2025 IRS Form 990-PF. Together they received 45% of its itemized 2025 grant dollars.
How large is Frances and Richard Cummins Charitable Foundation?
Frances and Richard Cummins Charitable Foundation reported $2.5M in total assets on its 2025 IRS Form 990-PF. Its revenue that year was $299K.
What does Frances and Richard Cummins Charitable Foundation fund?
The foundation’s filing does not state a separate mission. Its 2025 grants show support for organizations with varied activities. For example, Eternal Family Project says its mission is to provide a family environment, schooling, and biblical teaching for abandoned and orphaned girls in Honduras. See mission & focus areas ↑
How do I apply for a grant from Frances and Richard Cummins Charitable Foundation?
The foundation does not accept unsolicited requests for funds; it makes contributions only to preselected charitable organizations. Eligibility and process details are in the grantmaking section of this profile. See how to apply ↑
How much is Frances and Richard Cummins Charitable Foundation required to give away each year?
Private foundations must generally distribute about 5% of their assets annually. For 2025, Frances and Richard Cummins Charitable Foundation reported a distributable amount of $124K on its IRS Form 990-PF — the minimum it must pay out in qualifying distributions.
What is Frances and Richard Cummins Charitable Foundation's EIN?
Frances and Richard Cummins Charitable Foundation's EIN (Employer Identification Number) is 85-2364583. IRS Form 990 filing data is available on this page for 2020–2025.
Does Frances and Richard Cummins Charitable Foundation accept unsolicited proposals?
No, according to Grantable's research on the foundation's published guidelines. See how to apply ↑
Data last updated October 2026. Sourced from IRS Form 990-PF filings. Research dossier generated September 2026.
Data update history
(6)
When this profile's IRS filing data changed on Grantable
- Updated Form 990-PF for fiscal year 2020 (received by the IRS October 6, 2022)
- Updated Form 990-PF for fiscal year 2021 (received by the IRS May 14, 2024)
- Updated Form 990-PF for fiscal year 2022 (received by the IRS April 17, 2025)
- Updated Form 990-PF for fiscal year 2023 (received by the IRS April 30, 2025)
- Updated Form 990-PF for fiscal year 2024 (received by the IRS November 13, 2025)
- Added Form 990-PF for fiscal year 2025 (received by the IRS May 5, 2026)
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Cite this profile
Grantable. (2026). Frances and Richard Cummins Charitable Foundation funder profile. GrantGraph. Retrieved October 14, 2026, from https://grantable.co/funders/frances-and-richard-cummins-charitable-foundation-morg_6f878a7a499b4e5da92d15b6ea56c958
BibTeX
@misc{grantable_852364583_2026,
author = {{Grantable}},
title = {{Frances and Richard Cummins Charitable Foundation funder profile}},
howpublished = {GrantGraph},
year = {2026},
url = {https://grantable.co/funders/frances-and-richard-cummins-charitable-foundation-morg_6f878a7a499b4e5da92d15b6ea56c958},
note = {Accessed 2026-10-14. Data licensed CC BY 4.0}
}The figures on this page are open data under CC BY 4.0: reuse them with credit to Grantable and a link. Download the data.
Figures come from Frances and Richard Cummins Charitable Foundation's IRS filings (methodology). AI-written summaries, news items and logos are not covered by the open licence. Spot an error? Email hello@grantable.co.
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