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Ricardo L. Gilmore


Ricardo L. Gilmore
Saxon Gilmore & Carraway, P.A.
Fifth Third Center
201 E. Kennedy Blvd.,Suite 600
Tampa, Florida 33602

Telephone: 813.314.4500
Extension: 4502
Direct Line: 813.314.4502
Facsimile: 813.314.4555

Ricardo L. Gilmore is a senior partner and co-founder of Saxon|Gilmore. Mr. Gilmore has practiced law for more than 40 years and specializes in the areas of business and corporate law, real estate, public finance, and commercial litigation. He serves as general counsel to housing authorities in Florida and as special counsel in other states relative to affordable housing development matters, involving a multiplicity of legal issues unique to housing authorities as well as applicable to governmental agencies and/or corporate entities. He has developed a specialty in public housing law and has been involved in two extensive litigation matters appealed to the U.S. Supreme Court that established nationwide precedents. Further, Mr. Gilmore has been involved in the establishment and operation of instrumentalities and affiliates associated with development and fundraising for housing authorities. He has considerable experience in Florida Government in the Sunshine laws, Public Records Law, real estate redevelopment, and corporate governance issues affecting commissioners of housing authorities, as well as public finance relative to issuance of municipal bonds and acquisition of tax credits. He has worked on legal issues for ten (10) Hope VI revitalization projects. He has also worked with one of the few housing authorities in the nation that demolished public housing and served as its own developer to rebuild and operate affordable housing and tax credit units in its place, without the assistance of Hope VI financing. He has helped create public-private partnerships to redevelop blighted areas into mixed-income communities with commercial office and retail components, and has advised on the establishment of workforce housing in urban areas. Mr. Gilmore is particularly proud of serving as legal counsel to a housing authority in Georgia that achieved complete autonomy from the U.S. Department of Housing and Urban Development, while retaining its status as a public housing authority.  Mr. Gilmore received his B.A. degree from the University of Georgia in 1975 and his J.D. degree from the University of Florida College of Law in 1978. He is a frequent speaker at conferences concerning public and affordable housing issues, including conferences sponsored by the Housing Development and Law Institute (HDLI), the National Association of Housing and Redevelopment Officials (NAHRO), the National Organization of African-Americans in Housing (NOAAH), the Public Housing Authorities Directors Association (PHADA), and the Florida Association of Housing and Redevelopment Officials (FAHRO).


Business and Corporate Law
Public, Affordable, and Workforce Housing
Commercial Litigation


Florida (all state courts)
U.S. District Court (Middle District)
U.S. Court of Appeals (Fifth District and Eleventh District)


The Florida Bar (Member of the Government Lawyer, and the City, County & Local Government Law Sections)
Hillsborough County Bar and Orange County Bar Associations
HDLI (Director), NAHRO, NOAAH (General Counsel), and FAHRO
Florida Blood Services, Inc. (Director)
Kappa Alpha Psi Fraternity, Inc., Life Member


University of Florida College of Law (J.D., 1978)
University of Georgia (B.A., 1975)