HomeMy WebLinkAbout96-04610
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CoMMONWIALTH 0' PENNSYLVANIA
coun 0' COMMON PLEAS
NOTICE OF APPEAL
fROM
JUDICIAL DISTRICT
DISTRICT JUSTICE JUDGMENT
COMMON PLlAS Na.
96-4610 Civil Term
NOTICE OF APPEAL
~tice is given that the appellant has filed in the above Courl of Common PleCls an appeal from the judgment rendered by the District Justice on the
date and in the co!e mentioned below,
Dote: Auoust 16,
,19 96,
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This block will be signed ONLY when this nolation is required under Po. R.c.P.J.P. No /I appellant was'flLAIMANT (se~' Pa. HC.P.JP. No.
1008a V
This Notice of Appeal. when received by the District Justice. will operate as a 1001 (6) in action before District Justice, he MUST
SUPERSEDEAS to the judgme"t for possession in this case. FILE A COMPLAINT within twenty (2D). days afler
filing his NOTICE of APPEAL.
Signa/ure of Prothonotary or Deputy
PRAECIPE TO ENTER RULE TO FILE COMPLAINT AND RULE TO FILE
(This section of form to be used DNLY when appellant was DEFENDANT (see Pa, R,C.P.J.P.
IF NOT USED, detach flOm copy of notice of appeal 10 be served upon appellee).
PRAECIPE. To Prothonotary
Enter rule upon KOf1u !, 'i-
No, 1001(7) in action before DistJict Justice.
Gr,yJ .5Jl~'Cj;::.n
Name 01 a Ilcc(s)
. appellee(s), to fjle 0 complaint in this appeal
(Common Pleas No. %-4(;10 Civil Term
RULE: To
KO!')a),~
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("a (,- J S/,<: (lCtlf~CJ
Name of 'a,:pc11oe(S) I ,
) within twenty (20) days ofter service of rule or suffer entry of judgment of non pros.
(? - ( . ( <1), '"",,
,/"1 h~ ~, L/. <./" /.,~ c::.~.
Signa/ufO t Of hiS all cy or agenf
, appellee(s),
(1) You ore notified ,ho, 0 rule is hereby entered upon you to file 0 complaint in this appeal within twenty (20) doys ofter the date of
service of this rule upon you by personol service or by certified or registered moil.
(2) If you do not file a complaint within this time, 0 JUDGMENT OF NON PROS Will BE ENTERED AGAINST YOU,
(3) The date of service of this rule if service was by moil is the dote of mailing.
AOF'C312./W
COURT FilE TO BE fiLED WITH PROTHOi'JOTf,RY
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~OMMONWEALTH OF PENNSYLVANIA
COUt-!.~ O~__<:'~~MBEIII.!lND
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NOTICE OF JUDGMENT/TRANSCRIPT
09-3-02
. .c.-" '-"CCC~'~'I
f'1^lrHIII
f SHEP PARD, RONA'L~ ",&1 ^iC~R;YL
00 OAK FLA'!' RD.
NEWVILLE, PA 17241
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HELEN B. SlIllLENBEIIGER
P.O. BOX 155
27 W, BIG SPIIING AVENUE
NEWVILLE, PA
'" i7 17, 77 G - 3 III 7 17241
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VS,
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01 fLN[JMlI
IpACUL
4309 N, FRONT ST.
1'.0, BOX 60007
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ATTORNEY DEF PRIVATE
AT'!'Y. RICIIAIID T. WAIIGO
4309 N, FIIONT ST.
P.O. BOX 60007
HAHRISBURG, PA 17106
THIS IS TO NOTIFY YOU THAT:
lill,X.x'~'.'. Judglllcnt: _.Y.OIL.PLlIIN'.l:~fL~.._...
. JudglTlont WHS enternd for: (Nallle) .._)'Ht~R.J~}\f!.P~J_ _RQ~[\I;.J2_~__CARYL
Judgment was IHlleled aUiurlst: (Naill{!) __~_!!~.!!_~_ - ---
II11l1rlillllOllnlof$, l,B64 ,2.0 OIl' (Dill.' 01 JlJcI<jlllrlnt) .7.119/~~_-
I .1 JlId~11T1{,1l1 was l'nlm(!ci aq,lIl1sl - ---------- in rt
Larullor<l/Tol1,1I1! oletloll III tl10 ,1ITllHlIll of $. _ _u . on __ _ (Dale of Judgmont)
Tlw alTlOllnt 01 relll per 1110nll1. as (>stabhslwclllY IIH~ District JUSIICf!. IS S ----------'
['-1 DalTlanes willlJe Clssessec.l un: (Date & TllI1e)
_.._~------------
L.J This caso tJlsmissml WIlllout prejudico.
l ~l Possession uralltecl.
[ -1 Possossion {Jr<llltcd if money jueJOlllont is not
.J satIsfied by tlmo of eviction.
[J
o
[] Objectioll to levy lias been filec! anclllOaling Will be helel:
Dal~=~ ~- ~=-~~===~~-T P~I;~~ --~- ~ ~~___==~=~_==o~=~--~. ]
TlIll0 - - ~-------------
--- ~-- - --------------- --- --------- ---- --
- - - -- --- - - - - -~------- -- -- --- - --- ------
Hell! III <HH~<H~
D;1I11;I~lP'j UIIII/51 DOlolltion
D.llllaDe~; to propertyl
R(!sld(!lltial Lease: $ ,.
Less Amt Due Defendant $
Amount of Judgment = S--LJlJ.2JQ
Juclgl11cnt Costs S 50.30
Interest on Judgment $----'.QQ
Allorncy Fecs $ . 00
$.--.----
$ ------
Possession nol ~Jr<lIlted.
Levy is stilyetl lor_ days or [J gencrillly staycd,
TOTAL
$
1,864.20
ANY PAHIY lIAS 11/lllIGI/1 TO AI'f'EAI. A.lUDGM/.NT INVOLVING A IlES/DEN/lN tEASE ANDNFECTlNG TI-/E
IJEI.IVEFlY or POSSESSION OF ilEAL PllOPUHY WIrI/lN 10 (JAYS 01 TIlE IJl\n~)r JIlDqMENT BY nUNG A
NOTICE or APPEAl W/fII mE PflO /I 10NO TAIIY/CILllK OF /11/ CO/JIlT or COMMON I'I.EAS, CIVIL DIVISION
ANY PARTY AGGRIEVED BY A JUDGMENT FOR MONEY OR A JUDGMENT II'J'VOLVJNG A NONREStogNTIAL LEASE
MAY APPEAL WITHIN 30 DAYS OF ENTRY OF THE JUDGMENT BY FILING A NOTiCE OF APPEAL WITH THE
PROTHONOTARY/CLERK OF THE COURT OF COMMON PLEAS, CIVIL DIVISION, ' '
I certify 111;]1 tl115 is Cl two cUltl correct copy 01 "IP rocord of !lIP prllceechllqs cOrll;uilll\U 1110 jllflgl1lont.
D<llf~.__,,-___
, Distrlct-Justlcc
Dale
My COllll1l1~sio[\ OXpHCS flrSI Moml<JY 01 JiIlHI;\JY. :'()IKl
_ . District Justice
SEAL
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A
ORlG'NAL
RONALD and CARYL SHEPPARD
Husband and wife,
Plaintiffs
IN THE COURT OF COMMON PLEAS
: CUMBERLAND COUNTY, PENNSYLVANIA
vs.
NO. 96-4610 CIVIL TERM
PENNSYLVANIA CREDIT UNION : CIVIL ACTION - LAW
LEAGUE an~ PACUL SERVICES, INC:
Defendants MANDATORY ARBITRATION
NOTICE TO DEFEND AND CLAIM RIGHTS
YOU HAVE BEEN SUED IN COURT. If you wish to defend
against the claims set forth in the following pages, you must
take action within twenty (20) days after the Complaint is
served, by entering a written appearance personally or by
attorney and filing in writing with the Court your defenses or
objections to the claims set forth against you. You are warned
that if you fail to do so the case may proceed without you
and a judgment may be entered against you by the Court without
further notice for any money claimed in the Complaint or for any
other claim or relief requested by the Plaintiff. You may lose
money or property or other rights important to you.
YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU
DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE
THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL
HELP.
CUMBERLAND COUNTY COURT ADMINISTRATOR
One Courchouse Square
Fourth Floor
Carlisle, PA 17013
(717) 240-6200
. ,
"
NOTICIA
Le han demand ado a usted en 1a corte. si usted
quiere defenderae de estas demandas expuestas en las paginas
siguientes, usted tiene viente (20) dias de p1azo al partir de
1a fecha de la demanda y la notificacion. Usted debe
presentar una apariencia escrita 0 en persona 0 por abogado y
archivar en la corte en forma escrita sus persona. Sea avisado
que si usted no ae defiende, la corte tomara medidas y puede
entrar una orden contra usted sin previo aviso 0 notificacion
y por cualquier quaja 0 alivio que es pedido en la peticion de
demanda. Usted puede perder dinero 0 SUS propiedades 0 otros
derechos importantes para usted.
LLEVE ESTA DEMANDA A UN ABODAGO INMEDIATAMENTE. SI NO
TIENE ABOGADO 0 SI NO TIENE EL DINERO SUFICIENTE DE PAGAR TAL
SERVICIO, VAYA EN PERSONA 0 LLAME POR TELEFONO A LA OFICINA CUYA
DIRECCION SE ENCUENTRA ESCRITA ABAJO PARA AVERIGUAR DONDE SE
PUEDE CONSEGUIR ASISTENCIA LEGAL.
CUMBERLAND COUNTY COURT ADMINISTRATOR
One Courthouse Square
Fourth Floor
Carlisle, PA 17013
(717) 240-6200
','
"
.
Corporation to service transfer of this application including, but
not limited to, the tender of a required $250.00 appraisal fee of
their prospective collateralized residence.
4. Prior to this application, Plaintiffs' primary mortgage
of their residence was held by united Telephone Employee's Credit
union at an annual rate of 9.125%.
5. Defendant Corporation agreed to procesf' and service
transfer Plaintiffs' mortgage refinancing application and submit
that application to CUNA Mortgage Corporation, P.O. Box 1332,
Madison, Wisconsin, 53701 requesting a $48,000 loan for 180
payments at 6.25% per annum interest rate, the advertised interest
rate then available.
6. Upon knowledge and belief, the CUNA Mortgage Corporation
required named Defendant Corporation to obtain a local appraisal as
the condition precedent of the grant of the mortgage to the
Plaintiffs and as a means to determine the value of the prospective
collateral. This appraisal was the responsibility of Defendant
Corporation to obtain and submit to complete the service transfer
of Plaintiffs' application to CUNA Mortgage Company .
7. Because the application for refinancing included a
fluctuating interest market, time was of the essence for entire
herein above described transaction.
8. Plaintiffs, at their February 24, 1994 application and
thereafter presented the June 26, 1991 appraisal of Larry E. Foote
appraising the value of their residence to be $81,000.00 to
Defendant Corporation.
2
'.
.
9. Defendant Corporation retained Donald Kauffman of
Middletown, Dauphin County, to appraise the residence for the above
refinancing. Upon knowledge and belief, Mr. Kauffman was without
general experience in the real estate market of the Newville area.
10. Plaintiffs requested that Larry E. Foote, the prior
certified appraiser, be allowed to do the re-appraisal because of
his familiarity with their residence and the Newville, Cumberland
County, real estate market but Plaintiffs were not permitted a
choice of appraisers nor an alternative to Donald Kauffman.
11. Plaintiffs relied in good faith on Defendant
Corporation's selection of Donald Kauffman as an appraiser.
12. On or about March 14, 1994, twenty (20) days after
submission of the mortgage refinancing application to Defendant
Corporation, Plaintiffs received Kauffman's appraisal for
$66,000.00.
13. Plaintiffs immediately voiced to objection to this
disportionatly reduced property valuation to Defendant Corporation
and specifically noted these following overt errors or omissions;
said below list being non exclusive of all errors or omissions of
Donald Kauffman's appraisal:
a. misstatement of the acreage;
b. incorrect description of window treatment;
c. omission of wall and driveway gate in property
description;
d. failure to describe correctly insulation;
e. failure to include attic;
3
f. failure to describe ceramic tiled bathroom;
g. failure to correctly describe sky lights.
14. Additionally, Kauffman chose for value comparisons three
(3) houses that were twenty (20) to forty (40) years old when
Plaintiffs' residence was ten (10) years old; two (2) of the
comparison houses had no landscaping; none of the comparison houses
had alternative heating systems; none of the comparison houses had
an attached garage; all of the comparison houses were less than
1200 square feet and had one bathroom when the Plaintiffs'
residence is over 1600 square feet with two (2) bathrooms; two (2)
of the comparison houses were modular homes and all were one-story
when Plaintiffs' residence was bi-level and built on-site; one of
the comparison houses had a collapsed roof; one of the comparison
homes was not sold and the comparison price used was the listing
price only; one of the comparison houses was over three (3) miles
from the Plaintiffs' residence. Kauffman's March 10, 1994
appraisal is attached hereto as Exhibit A and made part hereof and
the prior June 26, 1991 Foote appraisal is attached hereto as
Exhibit B and made part hereof.
15. In response to Plaintiffs immediate objections and the
manifest appraisal differences, Defendant Corporation provided a
copy of appraisal to the Plaintiffs, who provided a written
description of the discrepancies of the appraisal to Defendant
Corporation. Notwithstanding many telephone inquiries, Plaintiffs
were not informed until April 18, 1994 that Defendant Corporation
had received an increased appraisal to $77,000.00.
4
" '.
16. On April 19, 1994, Defendant Corporation, by its agents,
employees and/or servants, informed Plaintiffs that their time to
obtain a second appraisal or reduce their loan amount request had
expired and the requested interest rate was no longer available.
Defendant Corporation's letter of April 19, 1994 letter is attached
hereto as Exhibit C and made part hereof.
17. Plaintiffs contracted with Defendant Corporation to
submit and transfer service of a residential refinancing. This
contract is oral. Upon knowledge and belief Defendant Corporation
receives compensation for this service.
COUNT I
BREACH OF CONTRACT
18. Paragraphs (1) through seventeen (17) are incorporated
herein as if set forth in full.
19. Defendant Corporation had a contractual duty to obtain
competent and timely appraisal of the residence.
20. Upon receipt and review of Kauffman's March 10, 1994
appraisal, Defendant Corporation knew or should have known by the
manifest devaluation, review of comparison valuations, and
comparison of the 1991 Foote appraisal that Kauffman's appraisal
was incorrect and without basis for belief and reliance in use in
the residential mortgage refinancing process.
21. Defendant Corporation was solely responsible for
selection of Kauffman as an appraiser and had a contractual duty to
5
'.
know about his professional abilities and reputation in the local
area upon his peer professionals.
22. Defendant Corporation had a contractual duty to inform
Plaintiffs that an alternative appraisal would be necessary or,
alternatively, that the loan amount request should be a lower
amount in a timely manner to assure the availability of the
requested interest rate.
23. Kauffman was Defendant Corporation's independent
subcontractor, solely selected by Defendant Corporation its agents,
employees and/or servants. Defendant Corporation paid Kauffman for
his work product notwithstanding Plaintiffs' complaints thereby
concluding his service and he is not a necessary party to this
cause of action.
24. Defendant Corporation had a contractual duty to act
within the time period that the 6.25% interest rate was available
and advise Plaintiffs fully of that time constraint.
25. Defendant Corporation breached their contract with
Plaintiffs and as a direct consequence thereof Plaintiffs sustained
the following damages:
a. $1,342.00 (difference in interest payment between
the date of refusal and the next date 6.25% was
available for refinancing.
b. $250.00 appraisal fee paid to Defendant
Corporation.
c. $42.40 credit report fee.
d. $50.30 filing fee for civil complaint at District
6
'.
Justice's office.
e. $12.18 film development costs for exhibits at the
District Justice hearing.
f. $16.32 mileage for attendance at District Justice
hearing and investigation.
g. $151.00 loss of salary for attendance at District
Justice hearing.
TOTAL $ 1,864.20
WHEREFORE, Plaintiffs RONALD and CARYL SHEPPARD demand
judgment from PENNSYLVANIA CREDIT UNION LEAGUE and PACUI, SERVICES,
INC. in the amount of $1,864.20 plus interest and costs, such
amount being within the parameters of mandatory arbitration by
Local Rules of Court.
PROMISSORY ESTOPPEL
26. Paragraphs one (1) through twenty-five (25) are
incorporated herein as if set forth in full.
27. Plaintiffs justifiably relied upon Defendant
Corporation's choice of appraisal.
28. Submission of an appraisal value of the collateral, is an
essential element to grant of the refinancing request and Defendant
Corporation should have reasonably foreseen that a competent
appraisal was a requirement to the grant of Plaintiff's residential
mortgage refinancing.
7
'.
29. Upon the representations and/or failure to act of the
Defendant Corporation, Plaintiffs forbore obtaining alternative
appraisal or lowering their loan request amount until loss of the
availability of 6.25% interest of the financing.
30. As a direct consequence of the above described acts and
omissions of the Defendant Corporation, Plaintiffs incurred a
detriment and sustained the following losses.
a. $1,342.00 (difference in interest payment between
the date of refusal and the next date 6.125% was
available for refinancing.
b. $250.00 appraisal fee paid to Defendant
Corporation.
c. $42.40 credit report fee.
d. $50.30 filing fee for civil complaint at District
Justice's office.
e. $12.18 film development costs for exhibits at the
District Justice hearing.
f. $16.32 mileage for attendance at District Justice
hearing and investigation.
g. $151.00 loss of salary for attendance at District
Justice hearing.
TOTAL$ 1,864.20
WHEREFORE, Defendant PENNSYLVANIA CREDIT UNION LEAGUE and
PACUL SERVICES, INC. is estopped and liable and Plaintiffs RONALD
and CARYL SHEPPARD should be granted consequential damages of
8
$1,824.20 plus interest and costs of suit, such amount being within
the mandatory parameters of mandatory arbitration by Local Rules of
Court.
COUNT III
BUSINESS NEGLIGENCE
31. Paragraphs one (1) through thirty (30) are incorporated
herein as if set forth in full.
32. Defendant Corporation is in the business inter alia of
processing transfer and procuring residential refinancing and, as
such, knows or should have known the requirement to select
competent appraisers and the need to do business in a timely manner
in a fluctuating interest market.
33. Defendant Corporation negligently, wantonly and
recklessly failed to select a competent appraiser, and/or failed to
timely notify Plaintiffs of the manifestly devaluated appraisal to
permit them to retain another appraisal or reduce their loan amount
request amount when 6.25% per annum interest was available, and/or
failed to respond in a timely manner to Plaintiffs many requests
for timely assistance.
34. Such negligent acts directly and proximately caused the
Plaintiffs to incur the following damage:
a. $1,342.00 (difference in interest payment between
the date of refusal and the next date 6.125% was
available for refinancing.
9
LL.J
.............,."'" UNIFORM RESIDENTIAL APPRAISAL REPORT ,".N.,
lyAdd'"SlI 00 OaK Flat Rtf. ~I'Y~ N.~wJlU~-- :;1.11.> PA 1'1,(",<1.' 17241
leQlIlOll"crlDhon '.. (:,~",iy Cumber I and
Assessor', Parcnt No MlHT1"--rr--lgq:r fa. YI!;~N/^ ---- -~~ T.I"'~ \ '~.., kllk.'rM"i'l\'
..~.fOWtlr Rona d J. She ard c';;;';-\l();;;;!~---Sam'e~----~-- {k",I.",l V,,,,,,,!
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rly IlQhls IIpprlll!;I'd FUI! 5'I1IIJI" ll!.I~;,'t~,kl I'mlt!cl fYIJt. P\Jll L.u.lolllll""'" IHlJlllVA (,,,Iyl II(lA'i
Ne;gllborhood Of Prolt!cl NalTll' one Mill H,.t"U'I"" C""",,,,, 1,..<.1
Sale Puett .$ N1F-=--=~~:I!':-'~.~~'_~Nl~: Do"~,;(,t;,;;-:;.I~:,;;;;';\idLI,.".,r','" .,,"," ',." "', I, kj.,,~I, ",." ,
ll!fld.!fIClicl1l PA C!'_~tL.Y!1JorLL,g~gu~__ . A,'j,j;,::;:: -4309]~ortll Front Street t1arri sburg I PA 17110
N>Prn'stJr Adol" ",~,
LOCllllon SuI~,rlo.UI JILI".I ProdOlTllnDnl
Bolli up 2!i.7!i"" [JJ lhl..r ;or,".. occupDncy
Growlh rnle [] nilp_l Slalll" L:.l ~;~'W I ~I OWI.'r
Pl'opcflyvaIUf'5 []lrlCrl',15"wJ Stabl.. L.lo..cr.I"'''J [.-.1 f"".,,)l
~lI"d/5l.~)ply [] ShOll"!]" [].l 11l1~11,,,l(e [] 0.'" ~"I'I,Ii L~ J V.I'.,lnl 10 "
Marketing IlfTI(! rXI Urdt'r J OKI5 I-I J.ij IlIn~ r-l O,"r!~'::2- _ [IV~r:!r~' .'n,~'~:1
NoI.: Race and tho racial composlllon ollha nlliqhborhood DIO not appralsallo1clOlS
Noighbol'hood boundnrlt.'s al...l ChJrilct"rltollCS SU9j~<;..t_!2-.J!!_.!!1Q~lJY _r~rAI._ area ~pprq_x_i_m.a,l~Jy__3.._IT]J .t~s_J!or.th .of us
Rt. 81 and approxlmatel v 5 mll,ei..~~s'-..!!.f'...9l.r:li sle.._ _____ . __ __. ___ __ ____. ,_.__ ____.
Srnghllllmllyhousrnq Prusenllilndu,e ._.
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Vacant
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Factor!llhat a1fflcllhr, 1Tl;lr~..t;,IIlI'ly III ttll' fUIIIJl!rtl\!~ mil.' Or"\lhl>orhood 1II,o...n,I'/ 10 l'1l1111<Jyr"'."1l1 .!lld alll,',ul,,'" ,'",plny'I"'''1 <,I..t"l,tt. oIl,P".11 lu 'lId.,..T. l'le I
The area 1s mostl rural hQ~~ve~.?__~.~.~_acce~~_tQ-.-B!._.J.J.__a~d._~_S..RJ:._o._ftLLoJ:_~y.atLa.RUity
. to ma or em 10 ers and amenitJeso
~_..,--
Malkcl CoodillOr15ll1lht! 5"I!jPct nmnhborhoool 11I'..:IIKJIlXI '~jPIX.\I1 1m tl.. alio.'" r:",~.:h':"Jw. ,d,I..d 10 l!.' 11....1 nl 1""I",,'rly 0;11".".. d"!I1.".II'."I'I~'r ,,,.I'H.H~,'I"'II"'"
. . such all dillil on cornp!!lIhv', pfopen,,,'.) 'w .,,,1,, III Ill" "L"\Ihb'"hnod. (j,)~;cr'I!100n lI' III'! f"",v.,I.,nn' 01 ';;lI,'s ''''I! lUI.1I1.:,nll (;",,(;.",',"'11',. ..t" I
Su I and demand ap~rs to haye_9Qod ratios .~ith QrQpertigs selUIl9_.t.'r'QJ~gllY wittJJ~ 99 _d(ws~_
There are a few grog~rties wjthin_the ~ompetitive ~rea ~nd pre~~ntlY fina~cing has favorable
terms wlhtout seller concessions.
Project Inlormallon lor PUD!l tlt <1pploc.lblel- -151111' dpvplorK'r/h!lldl" '11 C()Il\rol 0111". Ilollw' OWlw'r~ A~;<,()(.I,lhU!l (1 fOAl' V.)'.) :{J NI)
Approximate lotalnumb('ro'un'lsinlllf! 5l111j('cl flfOIPcl_.____.!lnrwo.,fIl:iII'lul.'llrlLlIll!J,"0' 111111< . fur <.d.''''U,,' SIJIiI.'r:1IWI"ct _~____
Describe common elmnf>nls <100 l!!crll<lI'O'l;\llacilotl"!l
f"pO'lr<lllt,y Level
Corrll'f lot [] v,.., i11tJo Sq., ~~r~g~_~___ _u~__
:;11"1'" ~Q~HL~gf~!J9l,lJ.a,!~__~
Dr.III'a(j(J ~QDears Adequate_
V,"w Average
rullhc P1,.all.' land...r:aflll~J g-riK~Q\\In Snow Cover..~._
~::;~';qUllm ~J El ~;;:;:~::~ ~:!~:::Il'~:'~ll...~]~~~t---_~=
SKJm....1lk D [J FEMA SP"l".ll Flood HatalO Ar~a 0 Vw, l~J tlo
SIIP."lll(Jhl... [] 0 FEMAlD"" ManDalo 2-16-77
Alley None r-l ~ _ FEMA ~;~[) NO_~______~_-.___~_
Comments (app;lrent ;ld~"rsn ca~('mcnls. enClo;,chlw!"I.... ~ll,.c'al a:;5(";S!ll'."lIh. "r"I., Ollll 1~..III"!I;.1 0' h'q II flO'KOlllorm""J t!)I'''~IIl''(>. ..Ir. I .1here_dre_OQ__
a arent adverse easements! encroachment.b_~gg~t~l assessmen~_,-Le:gEJ~[.l!J!g~l-1!oncomformjJlg__
zon n uses.
GENERAL DESCRIPTION EXTERIOR DESCRiPtiON rOUI~DATlON
No. 01 Unils FOlH'od.ltion Block SI<lll No
No. 01 Stories 1 E~lenor Walls V I nir-- Clilwl Sp.-.ce No-~~- r",""tw'd
Type (Det.lAll I -.net...- Roo1 S1Il1ace COf!lQ!_?H- B.w'llllml f~fl =
Design (Slylel --Rane Gullers I'. DwnSf)ls Meta I Sump r,Hl'll Yes
E~isling/Ptoposed --.Exsis W,rxlow Tyfll' Wood ~ O.lI!'l'llI'S'i Yes
!\getVrsl _15_ Slorlll/Sen.'('Il'l YesiYes So'tll"IIl!'nl Not Obso
Jchvo Age lVrs 1 Man"t;\cluro.d H",""---~ -------- 1,,1"',t.llorln Not Obs.
::~~, ,~, IN'~ ::~: ""eI;" "'~'_ ',m.', nm n", 11m ;"r" . ~ :~r"""~ o"'~ :!i~r .
Finishedmeaabovoor<1tJt!conlarn5 7 nooms"-S---- [lo'llrOCiIllI,>1 ---- 2 --B~~sl~ 1624- 5r).j:;-r-;-:rl,.:t'ojGro~.sllVlt~IA"'<l
M.11mlals/Conr:htion !lEATING KlfCHEtJ EQUIP Allie Al,1ftJlliES CAn S10llAGE
Ct!!:P.j:lV:V~r]ylL~v LWt! 66__ fll,r"'l"rator [P.J Nnru' Lx] fll.."l.lr,'I',l'\ioSo_ [1.] Norll' D
rr~..:.r:!tll.LJjyITaJl!i\\Iel U1Kt~_It\!I<I"/OVl'1I LxJS1.1It<. []r.I!oo ~__.___ [JG'-II.I'I" 1 'ntr:aI5
Wood/Average corwlilO"lAverQ.9.l;! D,.,pt)~..,1 CI Drr,pSl.lII [J [)I.d ____.______ I=J AII;\CII<"! 'i.e_L__
BathFIoor CarDet/VinyJ.LAv [lOUtlG D,<,t\w.t',tw'r [] S<.lrtt~. [J f'l",.h _.____~_ [] fHlc:lW.tl
B.1lhWain!lCOlFtberQJ~j.AYg_o_ u."tral ~o_ r",,'lloo<l LxI FIrM [I f.'no' ..,,_.__.._ __ I._I nll.ll-11l
OooIs Wood/AvQ_o_ Otlw'r tiQ_ 1.1or.rowavl' l~J 1~''-ll''r1 [I PO'll __...___...._ [I C,''l,..rl
Contj,lion N W,I~lx'r:Dry'" (Jr'V"W.IV
Addihon.ll '"alures (5p(l(;I:l1 I!'lf!ftjy (lUre".,'t Ihm'5, pIc I.J!... ec !_---.2....f.Q.!!~_~.rQ~~fJl hOm~_I!J..~1!....~__bedJ:.qQ~L~_n!;L_Q~J.1L-_
..J:ll!lS.tJ:J.LC.ted...<1bov.uardoe....3_skyj iohts_above..addit1on._~__~..~~..~~____, _~__~u__
'CoodillOfl 0' tha ImfllOl'!!Illl'l1ls, rj"P"'C!iIIKlfl (phY1>,c"l. hlllf:hO".ll. ;"1<1 ,..lpfI1<1ll. r,'p:llr'i rll','d.'o1. IIUill.1V tI' (.)"',IIIIr:llll!\ fl'''~ld,'I''l<ll;lrHlo(l<\'', ,'Ie IIt_p[esent
2nd fl OOLm<eL9drdoe_1 LbeinoJlnlshed_for_ 2..bedrooms ...lofl. dnd.bath...Steps ,are. not.secured._,
need s han\!...DU1.!JO_Q!LI tePLdOd_I..QU ...l!:.i.m _h'Qr~_oe.e.d.LcQmpi eted__QO. doors_aD.d ...s~kYi ,i.!lhts.,__qa,s,e.:..,~
ment I s damp_t....!:r.QP_er!.Y_~AL!loJ_b~n kepJ_M.Q!tr.!l.o .__.___~~
See Lender Pk9.o
~"O-LendeL~kg.._..,
o III"lJ;ll lXJ No lOrmxl
BASEMENf
ItJ5ULATlON
Roo'
o
o
o
C'J
o
IXI
AIl!;l Sol Ft 1120
O--~-~C<"fIlI<J
C",III1fJ Jor~ VI;olls
VI.llk BiO~F100f
f'lfI()f Concrete NoIW'
Q,tSI(j., rllt,y[o~=-- tln~!lO'"n
'MVClrse ~rnlfonfTl(lnl,ll cOrlflitoon!\ ('\\lch n~. 1~!1 rllllll1ml"!! 10, h"ta"J.oo!!! W.1'>"'S. I(me ~lb~,I;\"r;I'!\. !'Ic.) flfl'r,"lll III ny, !f\lfll"()VI'"w'''I~.. on tlw' MI', or In IlII'
:lmmodial0 ~lcino1yollhe'\l!hil'cl propl'lly' -1!Q~_ Nottc;.~~_.~~__~~_____~__.________
t\"lI,4;v.forrn10 fl.ll~ I1m')7 'lonnIA Wonn..lne.. J1~WIliIl\q'Avrnue.Nt..lI.v.....crCl6SI1 1(1lOO)10-4S45 ItUll'IU711 r,","l1l'M",r,.." IOO~ 11~
I
EXHIBIT
Jl
,
N."on .,,"on UNIFORM RESIDENTIAL APPRAISAL REPOI;lT Oil. No,
t',TIUr.tI[i ,lit '1111111 120.000. i,."","",,1'. ,~, (,.,~.1 ^H,;:..~I-"";"d' .,',
I ',I " ,MI f I i IH 1'1 H ,[ ',1' r II Jt ~ (. ( J: ,1 I Jf '1/ ()I ",11 'Ill 'VI. ',.1 I J I ~ ; . ,'.. .. ,I, " '.' I' 1.1'" I,,, ,1 ,,,I. _..I",,, ,', ,"" J I, ,r HIJ[)
1'.....11""; 1624 "I II" '142.50 ::. 61).020. ,0"t."",t,',1 "'''_,''''''"1 ,....,,, ,'''". 101,' "I 11"'1''''1,''11/ I
1120 ,..",.., 15,00 16,600.
Lll1p """ Extras Irclixhf'(] Ito:I Stole 4.000.
("", ''I'''' 504 ",I: :lS.00 7,560.
It"I',I"""ft',II...lrl".', t 971380.
['''., 1",."',1
l"tO'''',>!,,,,, 34,000.
1"'''.1,;0,,,1
4,000,
1.,.."",1
40 x 28
18 x 28
1120 x
504 x
1120
504
1624 5Q,
1"',',',..1..,,\1"""0 1I"i' """"",1
. 38,000
59,380,
5,00(1.
, 84,380.
f. ,'. ',',1,,,,.1 .,',-1",1"_"'"''''''''
INDICATED VAlur ilV COST APflROACl1
,r!',- ',III!:I': ("',n'f,lff.Hlf"'" I ,rIIJI'Ma,fjjf~j'l.' UJp.1rAHABl.EtIO:j
8lXJ Oak Flat ~I,: 91& Gn:YlSprlllJ ~J. 13157 Ritrer Il1gMilY 3463.Rllner HfgFW.lY---
,\)<1', ~,.w"llle fhNllle ltlwvl!le thNllle
,.I,,',~~r:.:',"'''I'I'''! ~~I Wlttlln 3 Mll~ 64 COO. Il,jlthln ~ t111~~48 (XX). _\'!J~!!!.JMi}~~~~
I', I,r,",l" A"'.I !s ~.ji,:> ~:1-"'_------h-.-~lj ,- s (1
t"""".: I ! COOrt foose an<r---ICoort Ituse ariJ Coort ftUse"diil
,'".1,..:,,-, l Ext.eriorOnveBy I [xterlnr Onve I.ly ~!!9J"Q!':!~~l.
J.:;,fA[,II":'.'ir,I', i Id",(,IIII'll"r, I II ,.kl'II'.! I:, ; I" I,,!';h,t. 1, ,SA:.,,,,, lif'.(HIPlllitl \"l~~~I,,~'I"~'
'f"
"""","', ~ SW/9"3' Ob ., 00 IICcI2'/'9'3' 132 ._ T 00----!-;rn/93''--~ i 00
,,,t.' <>! :;..1.., T'IT~' ~
I,,, .11"," Rural - RJral 0 1 ~Jral 0 fdJral : 0
~:,;,.','I"j 1",'"",(" jl flN>k~~rox. ~~ ~~liA~.; ~ j~;Ox5~le ~ \~-'~!I~~-==-~~~-'~-
..."." Avera<je AverfY]:! ~ 0 jAvereqc . 0 -Aver?i:j'" -m~t--o"'-
c..,.., ,,,,,,,,,, Rilrcl1/A'or"}' Rarctl/A,or"}" 0 !<arctl/Fair ;+lXXl. Raiicli/Averiije':-u-
'~"'T, I' ".d." I Avera<j! AverfY.p 0 IAverry;p : 0 Average~"---!---O--
^,> IS 19", 0 40 '<400:).' 3O'~" -.-t+;500-=--
[,..I,T"". I.Av~.r,"}'", lead"""." :-!:lXXl. !Aver~ :---0" -~._~~~~==.t::tOO=-_
f.:,. '," (",,,1.' ., ~..,.,. t : I," , I II, i""" ,[1,1""'" a.'I".' '
".,,,,,,,,, 7"'-5-:--2- 7-;3'-;---' +IOOJ, 1-'-"'-3--:r:+lroJ. 5 : 3:..1 ,tl!XXl
'., ',1",11>; A"." II FUJ'IJ624I :"1'11 FUIJ946 :;'111; +lCXUlO' pa'rt1,'a1.25J <11~',;,~~~~.-'~--'---FII'l'lff76 &iFlli65000,
!l",,"Ill,'nl.'.I,'''',I_'' ~
H,"''''.!l..,.:,..\,,-,d. _\ Lilfinist~ 0 lILilfing>t~_____;_ .O__l!)finisl~ 1 0
I,.,. I" "",I ~I:,I'T, Averag! l1:XXI -~2ca:l. - Qx:d : -2(XX). lix:d : .2O)J
:'::':::',:,:0:::'::", ~~: j ~~:..~ "1~~':u"=E~E~__:::~=~_~_
".. "..' .,." I I car AtLlcIR'1 2 car lX'LlChid; ~2OOJ I car AtLlCi'I2d:.. 0 ",_._J~.~"-__:tlap_
,'",,10 1'"T. I'. I [)?ck~ fncL '~1COO toe \,+~' rtne :,+ 500.
1,,,,1"." ""d ..I, \..\:O:l ~tove I ?unJl
:::;:;i:" I'~ }~_LJ':~: I :~--I~~~=- ];;~,~~:
..'1'''''''1', '..1", (.' 'q..l" ,"" 1,'~.I;"h'''1 II'" ""t'I"(! :'''.1''''01/'" "Ol I "I,I.d,'/ h II'" '~"'il'L..."r'.',("1 "IC I Jg.2lJ~.Qf. ruraL.~.wre of st4llect
q:nparisC!ls ~c~j ~.~! Q!~~~!EJi.9.~f.9J~~~t~ f()~ ~ris.c!! 2~c~ ~~L~j~~d.e toccnjitiCflS.
FlfftiCfldl uti I ity of Slj)Ject ratEd averag? tecause of IJlfinishe({ nature of ad:1itioo. tt) adjustnI!its-iMdeoo---sT~'
sioce tt'en:> is minirT!.m adjustni51t of ~ize Bmj ccr:parables st'G! rp rmjor .diffe~~-~-.-s~~::-----'- ---
:,111\,111.1
!:(jr/.I'Md.fHLM) "
T
I
lITe
IllrJ
(, .r.~I'MjM111 t~'J 1
C('A.~rAll^BLE NO 3
,'.T"I".. ".Ir',.',
lhle
rh-e
liTe
!:' I,;"
"Ilw'"
'. . ". : ",,', ; ~ " .:,,: " , ; f:' .. " i "" T :.' I'" I, " .: ,',
"";,:.,..,1.,.
1",."n',;""L!,<,'"",,>"),,,,"',,'.!'!,f'f',
INDICATED VALUE (IV SAtES COMPARISON :.PPROACfl
I lOl AT n VA IJf (lY It<COME Af'I'ROACfl ,:' .... . ,I ....11.1 ,.", II.,.,' ~
1'., '::' "..,' .",.., 1 '. I','" i '..Po' ';'1 ,"', "i,",,~, ", ,1;',1,,-";1'
..."I.i ',"1:""",1 tt:JY::!.
II/A
1.1" . (" "', ri. ,,,I I/."I~,"d".,
iliA'
S-66J-
"("1,.1.:''-'
',',T' "I i,..1 ;.'; _. J '."I-I"'-I!-; (Cr',.~,;.,!,;." ''''T 1,1"f'.~ ;"vJ 5pec,fiCJhon
f ".,IIi." ,,"1,,,1, ,', TIle S3les Ccnflari 5Cf1 awriJach test. refl(iCt~ .~. 6?~-fMs--ariir~qvaJ!~~qfJ.t!iJ:~!~r~~. ire cost
atPn:\1C1l is a scank1ry m:?ilSurc of valt;:> BfYl Slf.lrXJrtS t.h?: final es~l~te~ TIle In::are ar,proacn IS-,"ot uS€(J--oc.cause -
of a lack of gul rmtal (~1ta. --- - - .- ..-- ------- ---- -----
;"'i'..";
'II" .:;'" .,' '. I . . . ,',. n.. """~.,, ":,, f ~h." .,1:" '1"''',- '1i.,1 ", It, ,.,,1'1,..'1 ,.Ip,,'. T<'I',',tI b......;1 "r; II., ,." f." II'"I,j.-.;"., .<,\i! i',,' ''''I,I'LdToon, ~cnt,n~r,
" "i"; "I.i,' H~"I' '''I,'' ",.1," 'i, i, i'.'".I".....~I'...I.j..-r.~.".r, .: ," f'"'l',..'.t,..f",,.l[)(,.l!l'!;.',' ----~I
I (WEI ESTIMATE HtE MARKET VAlUE. AS nEfINEO, Of lItE REAL PllOPERlY lIiATIS litE SUBJECT OF TIllS REPORT. AS OF _2/?1?/~,'-
. ~!!H'C" '5 THE "01' '"5PCCTlO!'~? m'>;TI" DAT[ Dr ",,5 nEPORTI TO DE S 66.COO.. ,..,.,.. .---- ..-
~~. "~.~, -,~t~~','...... ',' ,/",1 'I. ,:-t t'fi?(: ..~ ':~ L, ____ _ ---", ,",.,' ','.',__,' ~'~,',',~~'I~.!~;~~:_Y__~ ~~~_~I~~_I~~,,_~~__~~~,~O_.~~:, ~l~_ 0 Dftl
!.""" D:ni31d r-auffrran .....'IJ'..~ tj!CI"..' ..________~____._______ .__.__ In~r>e~l Prop<clly
11,"" !~"I''''l :i';l"'''1 ~ _ . 1)"1<: B':J12~0'!lQ<:!.L___..__ ---------~-
. :1,'" ,'"",1, "".'''. ~. 001:ll7 ~;I;!!"PA. ~.I,!~r~:!1,!!;~,!j"l!).~_~_.__.._________"____,___~~
.(~ ~.t,,\"l."'''fl:':'''- - _ ~,!"t'.'_ ____ r.~ ~;l~l':i'l~"i"'<: !._________.~___~
1''''''''.'.1 ' i,"'," I'^',I.",I.'
~
\,
PHOTOGRAPH ADDENDUM
N LD I
f'f<JI'O"J ..,J<J,....,1l00 OAK FLAT RU
:'1, IllWVILLE t,,,,,,,, CUMUERLAND
1',\ [RlOl r UNION lEAGOE
',l,th' PA
o ADDITIONAL PHOTOGRAPHS ON REVERSE SIDE
:'1' r~.l"
17241 J
COMPARABLE SALE #1
COMPARABLE SALE #2
COMPARABLE SALE #3
~19114 Form. Ind Worm,- 'ne 31~ WMnHy Avu /j"... It,I>H'\, Cl (~)S11 All "'0101\ IlHW,..,,1I ItliHl) 243 4S4S
.
ENVIIlONMENTAL ADDENDUM
APPARENT' HAZARDOUS SUBSTANCES AND/OR DETRIMENTAl. ENVIRONMENTAL CONDITIONS
Borrower/Client . J{Jl,l!d J. 91(l~T
Addr... OOJ lJak Flat Ib.>J
ell)' tts..NTIle CountyClJli.erlaaJ Slate PA Zip code 17241
Londer PA Cred! t U,iOl ll'''pP _ ____ _ ~
~,.", I, deftned I' thlt which I, visible, obvloul. .'Ildont or me""'" to the 'pP'aln',
1111' unlwn.lJl Cn';;lJ~~~ml(l' Adi~d;;;h ,;;..-;;;i;;; Any rt",';'"dt Al'I'r1JiIllI. Ortly Ih,-~
",,',,"m'. 1lI1t111. h.w bmt e""uJ by ,h, IIl'J"lIlMr IIpply !IJ fh, ,,",pmV brilfK ~fP~~~!--.--J
This 8d~endum repom lhlt fO!lult5 of the appralse,'s 'oullna Inspection 01 and Inquiries about Ihe sublect
property ond 115 surrounding area. II also slales whot 859umpUons were made about the existence (or
nonexistence) 01 any hazardous Bubstances and/or detrimental envlronmontal corldlllons. The !p.E!..,',er II nol
en I rt .nvlronmentl' In or and therelore might be unaware ot eltlsllng haz8rdouS8UDstancesan370i
etr menta env ronmenta co lUons which may have 8 negative eHecton lhe salety and value of lhe property. It
I' possible that lests and Inspections made by 8 quallfled envlronmenlol Inspeclor would reveRllhe exlslence 01
hcrtardous malerlals Bndlor detrimental environmental condlllons on or around lhe property that would
nogatlvely offoct Its safely and valuo.
'1:lIN:"~f~'I"".=-:" ..-
__ Drtnklng Water Is supplied to the sublecllrom a municipal water SUpply which I!consldered 9ale Uow8ver lhe only
way to be absolutely certain lha! the water m"e~ publlshfJd slandtttds /, /0 h,vl;l Jllesled III all discharge polnls
__ DrInking Welor Is supplied by a well or othor non-municipal source. It I, recommended Ihaltests be mode to be
certain Ihat the property I, l'upplled wllh adequale pure wnler,
_ Leodcan get Inlodrlnklng walBr Irorn Ita source, lho pIpes. alall discharga polnls, plumbing llxlurel' and'ot ap-
plIances. Tha only way 10 be certaIn lhat waler does nol contain en unacceptable lead level Is 10 have II tested
al all dischArge points.
__ Tl1_ ....Iu. ftltlmated In thll .ppr.I..II. billed on the a..umpllon thal1her. I. an .dequate supply of ..Ie,
'.ad-frM Drtnklng Wattr,
Cornmunls
". ~ - ." " ,,"1... ~. . . ,. '.
.
IJ.:!~~ ~JI:i,(.~.II~'lI:t:.l.?}""f.:.'P.I,WIA .....<(;,_...___11
__ Sanitary Wa!llo 10 r'lmovoo Irom the property by a munlclpol 08wor fl)'slllln.
_ Sanltnry Wasle Is dIsposed 01 by a septic system Ot other sanllary on silo w(1~le dlsposal9ystem. The only way
10 determine that the dlspotal system I. adequate and In good working condition Is to have It Inspected by a
qualified Inspector.
_ The .,.Iu. ",Imllled In 11I1, appral..ll. billed on the ...umptlor that th. S.nlllty Wa.te r. dllpo.ed 01 by a
municipal Mw.r or an lldequale ptoperty permlned .1I.mate t,..!m.nt ',Item In good eondmon.
Comments
" \. '.~.... " ':'.\ ..{ '" ~ . \ ..
't' , d. '.. .' ,~. .r,.l~ .':~ ~,., I .....i;..
~-'RI{.J~k.""lll~"'~'~
_~ There IIro no !p"p"srenl signs 01 Soli ConlnmlnAn15 on or n!lIIT tho subJt'Cl property (except o!c reported In Com-
ITHml'5 below). II Is ~slbll) that res8orch, Inspection and t0911ng by A qualUled envlronmenlallnSPf)clOr would
revenl exlsllno andlor potential hllll'lrdous substances andlor detrimental envlronmentlll condItions on or
around the property thai would nogAllvoly allect lis SAloly And value.
__ Th. ..Iu. ..lIm.ted In thla apprallall. b...d on th. n..umpllon thel th. lubJect property I. fr" of 9011
Conllmlnants.
Comments
.
..__:.....""~..~:.!lrr.:~l!i.~'~~'#:~.~.~:lll;.t''il....i."'!H.iJ~J:iW!r.lff!:lI:?t~!!"',:tr.~',,-ffio~
_ All or pArtollhe Improvement! wore conslructed bofore l!)79whon A!lbcslo, WI1! acommon building malorial,
Tho nnly way 10 be certain Ihat tha property is free ollrlAble and non-friable Asbeslos i910 hovo It Inspected
and lasted hy 8 qualllled Asbeslo!! in!lfll'ctor
__ Tho Improvomnnts wore conslrucleoj nf1.ol 1979. Nt) ryljlJl!.!!!!~ lriablo A'.Ibe:ltos wos obsarvnd (ellcepl Aa re.
portod In Commen~ below).
_ Th. w,lu" el!l!lnll~ In 11.11 tlnprnllrrlla 1:!1Ifi.rul on l\l~ nfl1umptlon thnl Ihoro II no Ulleonlelned lrlabl. A.bulo.
or oth., hu.,ctoul ".bel"'. malerllll on tf1n propt"ty.
Comments
~~t\(TP.~ml<t"l,t;:\T~."'iL'J;L.lJl~~~U~:'UJJ.U..:~m~'~u'",,,~
_ There were no ~,,~rollllooking llouroscontllght bnllMls. capacilors or translormors onywhete on or nearby
the propnrty l,,~cflpt as roportedln Commenl'! balow).
__ Thern .....a!\ no 'Y'''-~!~!I..! vlt.ible or dm:umnntnd eVldAnr.e known 10 tho npprnlser 01 5011 or groundwAlor cOl'leml-
!lotion Irom peo! anvwhere on tho propOlty (flxcept AS reported In Commonl5 bfllow)
__ Th. nlue ..tlmlled In thl. .pprlllalll baNd on 1t1. ...umptton ",.Ither. .r. no uncontalned PCU. on 0'
nealby th. property,
Commont$
__.in:-..,...........
~~~.;:~l/'Jf\'rtt'"I...._~"'if.'r~:r.~.1I":1","1IlJi~....-::'. ''li.Y''I.:..'::~..
_ Tho appraiser Is nol aWAre of Any Radon tests modo on the llublecl property wllhln the past 12 monlhs (ollcepl
All r..porIO" In Commonl!l below).
__ Tho appral!'lot Is nol flwaro 01 any Indicallon thallhe locol woler SUppIlO! havo been found 10 hove elovolod
levels 01 nAdon or RAdium.
_ Tho appraiser Is not AWOfO 01 flny nearby jlfornrUo!) (nllcoptn3 rnporlod In Commonls tlOlowltho.t were or
cllrronlly Ara u!lod ll>r uranium. thorium or radium {llltracllon or phosphale proce!';slng.
__ Th. Wl'llue .Illmllred In !hll appr.llIl'Ill, btlled on tlUl ....ufTlpllon Ihl\llhe Rtldon levell, .1 or below EPA
recommended l.w.ll.
COmments
l", VI'IIO~ 11: fW.1'OU
J""",,""Wl..1
I 'OOIl'll' WOf"", lroc "S WM~IJ A.IM. N,. Ithl~. CT MSl' . aoo,U...s.tS
NI,~.."I .1..1"""1111111 rl'lwlr""""nlll Ill.' ...,,"1.0"
II1l1'lll15(lSO
...... -. . ....... USh (U~DERGROUNO STORAGE TANKSI
__ _ Thore IS no !!pparofl' VI6lUlu or (jOCUIIlUIIIUd UYU1UllCH known to Ihll tl~Jpr.lsur olany US r. unlhtt pruperty nor
any kn.own hislorlcal uso ollha proptllly Ihllt wuuld Iillllly hay. had U5Ta
_ ThtHO are no !l!earOllf polroloum ltorllgu IInd/or dllllvllry laullllus (inCludIng galollne Ilallon. or chemical
manul.clurlng plants)locatod on adlacont properhtlt 18~cepllls repor1ed In Comments below)
_ Therll aro'PPSfflnl Ilgns 01 USh tuilllnl,l now or In lhe past 00 Ihe .ut'llICI property It II recommended lhat an
Inlpoetlon by a quaUlled UST Inlpeclor be oblllned 10 delermJnetMe localton or any USrllogelher wllh Ihelr
condition Bnd proper regl'lrllion If they ate Iclive. and Illhey .re Inddlve, to d.,lermlne whelher they were
deactivated 10 accordance wllh lound IOdu611 'f p' BetlCeI
_ The value ..t1m.ted In !hI. appral..ll. b..ed Mlth. ...umpllon thai an., functlonl"" UST. If. not It.klng and
.,. properly r.glal.red .nd thai ant ab.lllJone4 U5 fa ar. Ir.. Irolft contamlnaUon and ..r. properly
drained, IIlIed and ...Ied.
Comments
~.....,. 17m. ......~"I.........:r ..~I:J'.i.l:r.UJ'f~l':I'J'III;",.'",:t.:a....,..~r:"".
_ There afO no ~ep8rtm'tlazardous Wasle Sitos on Iho 5uLJuCl plOpcrty or nearby IhelubjeCI propu(1)llOllceplas
roporlud In Cornmonls bulow) UB18rdous Wd~'1J Sllu ~oill...h bV II 11ulOOd environmnulal engineer may deter.
mine Ilia! lhvre is anD or more Ha/lHllous WlIlllu SthlS on or 10 the urult ollho sublucl pftJperty
_ Th. value .aUmated In thla appr.11II111 Ltulud on Ih. a'lIumpllnn thalth.r. ar. no Haurdou. W..ta SlIa. on or
nearby the aublect property thai MgIoII"ltly ."K1l.h. v.lulI or Hlllty 0101. property.
Comments
".:.',. '. '/-o-
.. ~.4l1...--;mu'm:t'~.;I'I;;IM:.lIJ'I~;rIIJ=I"I~!~;lIJllh'I:<I'IIIf''''J~ I
_ All or par1 01 the Improvllmonls were constructod borore 1982 when UREA loam Insulation was a common
building materIal rhe only way 10 be certain thatlhl:t property Is 'ree 01 UREA lorlllaldllhydo Is 10 have II
in~pecltld by II quallflud UHEA lornldld(;hydl.l in~pcclor.
__ The Improvements wero conslructed altor 1982. No !!Ep,Jronl UREA lormaldehyde malerials were observed
(except as repor1od in Comments bolow)
_ Th. value e.Umaled In thl. appral,all, baaed on the ..,umpUon that the"" Is no Ilgnlflclnt UFFllnaulatlon or
oth.r UREA tonnaldahydl material on DI. property,
Commonts
lo.r::.# (.:~..: '1\~ ,~.t"~. -...:...........l:.l..Ial.RAItfTl;...H'~~ .h.I. '. , I'.
_ All or palt ollhe Improvtlmtlnl~ wuru conslrucllld buloru 1960 when tuad Paint wa!i a common building
materiel. There 18 no apparOflt visible or known documonted evidence 01 peeling or Ilaklng lead Painl on lhe
'Ioorp', walls or collings (exceptss repOr1ed In Comments below). The only way to be cer1aln Ihatthe property
Is 'ree 01 surlace or subsurface load Paint Is 10 have it Inspeclod by s quallhed Inspeclor.
_ The improllenltlnLS wllre con5lruclod ellur 1980 No apparanl lead Paint WIIS observed (except as reported In
Commonts below).
_ The value ellllm.ted In thl. appralsalla baaed on the a..umpllon th.1 the" II no fllklng or pooling Lead P.lnl
on the property,
Comments
. _, . ",. ,AIR POLLUTION' ,{.' , ,
_ Thero are no apparont signs 01 Air Polluhon at tho Ume ollho inspection nor were any repor1ed (except as
rtlpor1ed In Comments balow). The only way to bu cortaln that tho air Is "eo of pollullon Is to have it tested.
_ Tho ....Iu. e.Umalod In thll appra'a.ll. bued on the ...umpllon that the property II I". 01 Air Pollution.
Commonl!.
'. ' " . WETLANDS/FLOOD PLAINS,,' , .
_ The aite doos nol conlain any !!pparont Wotlands/Flood Plains (oxcepl as reportad In Commenls below). Tho
only way to be cer1aln lhattlle silo Is Ireo 01 Wollands/Flood Plains Is to ha\lo it Inspected by 8 qualilied envi-
ronmental professional.
_ The yalue .IUm.lod In thl. appral..ll. baaed on the a"umpUon thlt thare are no WIU.ndllF100d Plain. on the
property (except a. reported In Comments ~Iow).
Comments
, ., ' " ' MISCELLANEOUS ENVIRONMENT AL HAZARDS' ", . ,
_ There are no olhor ~PP8rtJnt miscellaneous hazardous subslances andfor dotrimentdlonvironmental condl-
lions on or In the area ollhe site ellcepl as Indicaled below:
_ Excos. Nol80
_ Radiation + Electromagnollc Hadlallon
_ light Pollution
_ Wasle lioat
_ Acid Mine DraInage
_ Agricultural Pollution
_ GeOlogical t1azords
_ Nearby Hazardous Property
_ Inleclious Modical Wasles
_Pusllcides
_ Others (Chemical Storage i. Storage Drums, Plpellnos, etc.)
.
_ The Ylllue ettlmated In Ihll 'pp'llaalla b...d on tho a..umpllon thai th.r. .r. no Mlacellaneoua .nvlronmental
Hazarda (e,tept thole roportlKl ebove) thlll would negatively a"act the valu. of the property,
When IlnY (,1 u... _. '11 ",.... ." "".. ......:~ndum
.re not correct, rhe e.Umsluu ValUu III IW.t dppralul may nor be valid.
i,,\IVlnlOtl1l:rw1D(Z
n""'lI!1OOO
.
'.
1).:t"INITION 0" :\1.\IU\ET \'AI.(II':: It". Ill"" I'",t...hk l"lll' ",llIdl .11""1'1'11, \to""I<I tmnj: 111 .1 ,""'I....IIIIH. ;11).1 "pc'1I
. jlll,ukl'l IIJlller .llll"'hhll"ll\ IC'llll."l' I" .\ t.1IT \.llr. Iht' 1111)('1 ;11111 ,dk" l',I.h MIHIIlI'Im!tnll). knuwkdj:(';lhl) aud J\\Ul11illil
tIll:' piKe' i\ nul alfnlr,1 tI) tlmllll' '11111,,111\ Iml'lieil in Ih. ddirllliml i. lk WIl\lJnHlllll"'" "f . '.llt' .\ fir II '~(ifi('11 dale
and the p.l\\illj: of Illle !rom .tllef In "U)Cf limier con.llllun. Ilohrfr"y; (lrhu~cr an,1 'cllef Me l)riraJly IIIC1lilalt'11. 12l hnth
".'rlll" ,1H' IOoclr illf"lllwd 'If ",ell adll'!",I. ;!lllll',l,h mllllj: III \loh.ll hr ,',ul'l,k,. hi' O1ll.n ."'\1 tnlt'Ie'l: III .. rr.I"'nahlc tlrnC'
1\ ..1I""flt 11Ir r~r""IJ'r Irl lhl' "1'('11 lII.1r~fl, III 1'.'~mrJlt I' I1wll' 111 trrm, ,,[ .."h 111 11" d,dl,I'\ "r in trrlll' "I ritl,lIl(j;ll
;ltra[l~'1'11lI'llh r"'III'.It,lhll' Chl""llI. ,lilt! t ~ I Ihl' I'rll.. rl'pll'<l'tle, Ih.. I,,,rlll.ll 1"n'ILI,'r,lrIlOlI fu, Ihe p'"/Il'rly ",Id 1/tMI f..l 1..11 hy
'1"'("1,11 III nl'.I1t\l' rill,mun}! "' <,IIe< 1"11''''',,,,,,' ,~r;rrlll''' Iw ;111\"11" ;1<"1\'1.111'1' "'1111 1)11' \;II..
'A,IJu<trlll'nl< I" Ihl' l'''lIIl',I,;thln 111I,<t hI' ""uk ror '1Il'l"I.11 '"~ U('';''lle lin,lll'ltl!! <If <<liI'\ I""nl'e\\ioll', Nil ;UI)II'111l1'nl< ;HI.'
r1t'l(,";H~' r"r th",l.' 1''''1' ",hull ;Ul.' 11"'Ill.IIl\ r.I,,) ")' 'elll'l' ~\ ;1 'e\1I11 III tl,loIlIlI'n or I..", III ~ rn,lr~... ,ll..a; the<l.' lml. ;lle
'(";11111) idl'nllll,lhle \lIltl' ellr <din 11a~' tlll"I' 1'''1\ In ~lflll;llIy ;111 <;11... 11;111<,1,111111\ C;1....u;ll "r Ul.';tll'l.' frn''"'Hllo': ~dJtI\l/1ll.'nl'
r,HI he 1Il,ldt' 111 Ihl.' lllllll'.!r;Ihll' r'''I'''rl) h nllnr:rri"lIl. r" lin,"l"IIj: It'rm, "H"I"" I,)' OJ Iltlt,' r;lIly In\IIIIIII"";11 knll..r Ihal
i, nor dhrd,l) inlllll,',1 ill tlrl' PII'I'<.'/1\ "I 1I,1Il,.II'i"n All) :I,IIII<lml'nt <hlllll,l I1"C ,'\' \:llrul,II(',lnll:l IIlrlh;1I1il;11 d"IIM fur
t!1l1l,lf rml Ilr till' lin,ml"lll).: lIr fl1ll1l''''''" "111 Ih.. d"ll;u ;1111111111I Ilf ;HI) ",llll'llIlem .llIluM npllfU\illl;lle Ihe rnJtkct'~ re;lClion
In thc rrnan~'rn).: nr l"lnl"t~""n\ 1>.1\('d IIn IIH' .11'1'I;lI'('r'~ 11l,1~lm'lll
n:RTIFU'A"IION ,\NU ST/d 1':I\II-:NT OF I.IMIlINI; ('lINUUIONS
CEltTIFU',\TION: .Ih(' APl'l:liwr Irllili,', :111<1 ,1J!r('('\ 11\;11
I, 1 h(' AI'I'r;li,er h,l\ nil l'fC\t'm III nllll(,llll'l.lll'll fUlu'e IIllel("1 ill Iltc 1'"'I'I'rl~ ;/1'r...i~I"': lItHI tl('illl('1 Ihe clllplc'),tllCtll In
l1Ia~1.' lhe IIppra;"II, nllr IIr.. fI'Illpt'Il<,II'''1l ("I II, i~ l'Olllitlj:t'UI "p"n th(' ~l'l'r;li'l'oI ~;lllIt' of Ihe p'nperty
;! '1 h(' Appr;liwr h;l~ no pt.'r'Hnal illlcfl'<1 In or 111:1\ wilh re'I"'d In lhc \llh)l'l1 11I;111'" of Ihe IIPPI;li\;ll reporl nr Ihe p;lrti.:i-
P;lI1t< llllhe ';11.., 'Iht' "E\lilll;ut' 1>1 "brket Vallll'" in lhl' .1/"lrai~a' ler"r) j\ ""J n.llril;/I 1I1,,,k <lr in pMt uf'on I~l' f3l'e, rnlnr,
nr tl;lllllnal l1ri~1Il !If th(' pftl~I'('lli~1.' ""'Ill'r\ nr llHUpanl\ nf Ihc ptt1pclly ~r'11I;li'cII, nr "1"1n the nl'l.', ,,,llIr or tlolllon,,1 nri/l:iu
nllht pll'~enl '''''Ill'r\ \lr IIl'ull'anl\ of Ih,' I'II'pl'"il'~ in Ihc "ifil/Ily uf lire pl"r<'rcy :ll'pr.1i<c,1
.1. The AI'I";li'I" h;.~ 1"-'f\"Il,.II) in<I""ll',1 IIIl' 1'1"1'1:,ly, h"llr ;n\iil,' an,1 ""I, ;111.1 1M' t11;II!c ;!Jl ("lI',i"r in'pt.'lli"n "f ;111
ClIrnrarahle <;Ilt,\ h'lt'll III elrt flT.-or1 It, tI'l' b.'<1 of IlIr AI'I'I;lhc,\ ~tlll<\'kdj:I' and IIl'lid, ;111 \1;lICIll('n1\ ami infollllalilln in
lhi~ 1('1'''" ar(' Huc ;In., curr(,I"I, olll<lllIc AI'I',;ri\(', ha\ n"l ~1I."",inj:ly 1lo;IIi1rclll ;111) lij:llifilanl inform;lli"n
4, AU rnnlingcnl and litl1itin~ '''ndllll1n~ :He l"onl;linell hereil1 lilllrll\('d l>y lilt' cefln' of tht' a~,igntlll.'nl Ilr l>y che umltr-
~ignetl alrCelin!! llrc an:riy,('" "pini"n" ;ulll rllndu<inn. ,lInlail/('l! in Iltl.' lepurl),
:'I. lhi< .1rrrai\;11 ICl'"'rl h:1\ 1\('('11 rn~ll(' ill lpnf",mil:>, II ith ;In,1 i~ ,,,hied III 111(' IC11'Iirelll('n" Ilf Ihe ("ll(]r nf Prufu,ional
Etlri,( Ilud Stan,I,rtll, nr I'mfl'Hulll:tl {''''"ll" I Ilr Ill,' ilpl',;ri':11 "'~:llIilnllllll' "'llh "hi, Ir thc Applai<(,1 i~ .llrillalc,J
6, All rnnrhl\illn\ anll I'rinilln~ r/ltll'(,lni!ll~ Iht, real e<I;ltl' Ih,ll are 'CI fllllh in Iht' olpr'<li\<ll ICl'"I" \\('1(' prrp<lfetl hy lhe
Arrrai,er Iloh/,\t' ~i~nJlUle apJ1l'~r' 1m Ihr :Irrr;li,al 1"I"1It, 1ltilr~~ irulicalrd a\ "Rnic..... Arprai\('r" Nil rh,lt'ge nf any itl'm in
lhe arpt;1j<al Irpnn ~hall be madt' h:; anyonc Ilchcr lhan Ihe Arpr~i\('r, and Iltt' Apprai.rr shall havt' nl! le~pl!mihilily f!lf any
~ll,h unalllhnrilrd dl;lIllle.
('O~TlN{;ENT AN" UflIITlN(; ('(J:\'1l1 no~s: 'Iltr cl'ftlriralillll "I th(' Afipr:'i<rr ~1'1't.';nil1E! in llrc ;lpr,ai<;II't'l'llrl i~ ~llhje('1
III Ihc rllll,,"inll ("OIlIlilinl1\ :lnd In '"l'll c'lhn <)'1" if II' ;1/1.) 111I1Itll').: l"Hlhhllllll\ ;1\ Me \,>1 r"rlh I,}' th(' Apl'r;li'l" IlIlhe n'I'"'rl
1. The Aprr~i.rf a\~umt~ nll rc'poll\lhdll)' fill malll'lI .,f <l 1I'!!;,1 nalu,c ~fr\'l"tirlE! Ihe Ilrnpt"y ~rpraht'" or Ihc liele Ihtle-
tfl, nnr d,,,,. Ihl.' Aprt;1i~l.'r f('nllt'r ~n~' npinin" ~. 1/1 Ihe lilJc, Ilohirh i\ a\~llltled In he gflod and mM~ct;tI1lC. Tht rrn~r1y it
apprai~r" ~, lhllul!h llIlIler re~r"n\jhlr 1l1lo11('r,11I1'
2. An)' .kctrh in Ihe rernrl m:l) ~hllllo al'p,",illl,tli' dillll~n<l"Il\ :tIlll i\ tnclild~,1 tn ~~,i<1 lhe rcaller in \IIUahlillg lhe plllf'-
ron)' Thl.' Aprrai,rr h,l. m;uJc nil '1If\'(')' nfthl' rl"J1l'rt)'
J the Appl:li\er i. nlll rt'qui'r!! In J!i'e It'<IIIIl"n)' tlf ;11'1""',11 in nHIII 0("(";11I\(' Ilf h'lvin~ IlIndc thr nrpmi.:ll Ilojlh reference
to Ihe rmpcny in qnr"i"n, IInll.'~~ ;lrran~crncru~ h,1\e !>('('n rrl'\"illu\ly tlladt' Ihrrelnr
4 Any di~ltihuhlln (If the ",~III;llill" in lhl.' r('I'",,1 11l'11Il'Cn land allll illlrrll\Cmrnl~ olrl'li('. Illlly undel II,: t',i.linE! prngralll
nr mililatinn, '1 he \cp;lrale 'I;llu;llinn~ fllr 1.1rlll ;111\1 hlli1<linE! nll"l nlll I'l.' 1I\..tI in tntl)t1nrlltln .....ith any ntltcr ~rpraisal Rnd are
in",alitlif""lu\('ll,
:'I. lhe ArPf;1i~I'r a'~unre~ Ih:11 lhclC :1Il' "" hid,,,"n pr 1!l1:l1'r;lr"1l1 \,<'II.1lli..n\ I,f Ih(' pll'f'l'r1)', \uh\I'i!, Ilr "rUrlllfl.'~, .....hich
""tlulLl fcon,ler il lIltlrt' nr Ie~~ \":rlllahlt'. The Appraher :I~\lIIl1('\ nn Il"J1tln<ihilil)' rllr ~urh ('l1ndili<ln~, nr lilt en,!!incering whith
mighl he ff."qllircd llldi\r/J\ler ~u,h f:lrl"".
6. Inrc,rmalinn, t"limate" and nrini"n\ rmni<h("!I" Ihe Apl'r;li'fr, ;lIIlI l't,m;lir,etl in Ihl.' rcJ1tlrt, WCf(' l1hl"inNl (fllm \lllll('es
l'nnIidertd 't'liahlt' :rllll hctie~cd In he Hill.' ;11I<1 l'''"Ct!. 1I'''''I'\cr, nn IC<J1t'n\ihilily rllt accllml')' of ~uch ilcm~ fUfni\ht'd lhe
Arpraj~t'r can he :I\\III11t'11 hy lhe Al1prai'('r,
], Ui\du'ure or Ihe rllntenl~ llf lhe :rpprai'al '('pllIl i~ E!"\('f1IC,t hy Ihe nylaw~ and f(cgulntinn.. uf lhco prnfcs\illnal :lpprai~al
organilalinn~ wilh which lht' Apprai'('1 i~ affilbtl'd.
R. Neilh(,1 all. nnr any raft Ilf Iht, ('Hl1h'nt "f ehl' ft'I"'t!, nr ('''1')' Ih('H'ur lilldlldillE! ,"ndu\inll\ ~~ III Ihe pwpcrly value,
the idcnlicy n( th(' Appr;li<el, rlllfe~\i"nal dL"'J!ll:lll<"l\, Idl'len, (' III ;111\ prnrl'''IIIIl;,1 .tl'pl~i';I! PIp::lIli/alilln" or Iht' firm .....ith
v.hirh Ih(' Aprrai<l.'r i\ funn('L'tl',h, <hall he IIwd Illr any l1u'l""~\ hy ;Ill},mr hili l"l' dlC111 spel'ilied ;n the rCl'llrt, Ihe I:'IllntlWel
ifapprai,al fl'e paid by ~ame, Ihe nIUrl~a~l'l.~ lIr i!\ ~ttnr"I'" ,llItI ~"If:"', tll"rrf"j:: ;":\llr,\, ""fl~ult;rnh. pl"k,~i"nal llrp'ai~1l1
IIt.!!anilatinn', any q;ltt' Ilr fl'llellllly llpJlfm('cl rinaneillt il1~lil1Jlilln, ;lllY. l!eralltllcnl. lI.!!('nL')', Ilr in\lrlllllcnt,11ily of tht' Unitt'd
SI;U('~ Ilr :rny \lall' 11' Iht' Oi,triel nr ('"Iurllhl,., lloithn"l chI' 11IC\illll\ Ilorill('n l'rln\l'1I1 nf Ihc Apl'l"i't'r; nllt ,h;11I il hc l'nn~c)ed
hy .1n)lltle III Ih(' Pllhlir thrllul!h ;lIh-I'''i\in~, rllhlic rdation<, nl'lI'\, ~;t1c., Ilr nlhel tlIcdia, .....ilh"lII lire written l'lln~e", and
3I'rnf\'alllflhc Af1rlai\('r,
II. On :111 ;rppraiql" <UhWl'l III <;,'i,r;llh'l} l"t'111I'kl;lIll, rql,lir\, Ilr ;,llelalillll', lire "I'l'rlli";ll rl'l"'lt ;lIul ~"lut' (n"l'Ill,illn il~
rnntin/1cnr uI'"llll'nlllrkeinllllf tllr illlrfll~('t1ll'nl' in a ""I~manlr~t' m..I//I('I
.:NvrRIlN~IE:<;TAI. IHSCI.AI:\H:R: Th~ v~llIr ~~lim~lcd i~ h,HCl1 nlllhc AHlIIl,plinn IIiJllhe rror('Tly i.\ nOf nrg~lively dfe'led
by the ui~len~co of Ii'"rrlou~ sub~e~n~n nr "elrrmenlal en~itotlrnerlul 'lllluitinn, unlen olltelwi'e: sealcod in Ihis ICroll, The 'rPlliu:r
it nnt ~Il elrrll in the i,!rn1iflc~tilln nl hal3t<lnllS lllh.lt~n'('s lIr uel,imcnl.1 cnvirnrunrnl.l enntlilioM, The 'PPlli,se"s routint' in~pec:.
tion nf .nd mquirrcs .roullhe ~uhjecl prnpnlyulIl IInl ut"'tlnpllny illfnrnllIHlIIthllltlU1C'I~" AnY .ppue:nl signifleanl hl1ll'dous sub-
StalllnOI delltnlrnl~1 rllvirnntllrnlll CtlndnuHls which w"ultl.ffclltll(' propuey neJ\lIively unless olhcl.....ilC slated in Ihll lCOpelll,
h i, p....lhle thalleltl.nd in'pcctinll~ mlde hy I Clll.llflcd hundnu, Jllh"~net and envLttlnmenl~1 Upell .....ould rneal the UISlence
nf hU'ldmn SuhJUn,es 01 dcouiment.l en~i,"nmenlll t'ondition, on nr .fOund Ihe properly th.e would negatively .f(tct its value,
^'t1)11rn~AI. CERlI"'ICt\T1()~: l11c Arp..,i'e, fUrlhrr 'cl1ifir~ ~nd a,Jus th~l:
I. ,'1 his 'I'I'III\~I \tlufOlnn 10 the Unil,mll SI,ltldMd, of l'r{lfcJ~mlul AI'I"AI\~II'I'l"lice {"1J,~r^I'''J .dlll'lell by the
Arpulul SlandaJllsllolrd or The Appr,"al Fmm<lallon, eaetpl lhlll the Ikp,"ure PIO~ilt{1n or dIe IJSI'AP dots noe 'pply,
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,78 l1("'re
Sim; I ar
l\r i rk
II Y{',HS
S i~,j I ur
1".',1"...". to,,,,..
l,OOll
5;lIIi Il"
(5,000)
l\rk/^llIm.
JO y('nrs
SirTl,i Illr,
('),llIJO)
( 10,0(0)
~ '." ,n"
r',",
~ -~. ~
1,2/14
2
SQrt
(("OliO)
(I, ,50ll)
'j .'j
1,22/1
~'1 II
(2 I 1(0)
5 I
1,<'I5fi
1\
SOlI'
(l,lJ!Hll
(fi,Hlll)
~ull_hsmt '_
~~~~age.
Bshd, elec.
r_gar_~hof.c
none!
~j~~ i ~r
~!Obd._ e!ec,
2-car gar,
s,ano
Fill 1 hsm!,
Fill I h5m!.
!-i;mil;Jr
Rad;;lIIt
2-C,H Cu.
!;imilar
IIllt WI r, oi I
2-l"llr carllnr,t
2,ClOO
!,o-.:-cl) _ _ _.
Typical for
~.he ~egiC!n..
None
Sjrnilar
Sil1lilar
Simi Illr
Sim!!llr
Similnr
Sirni !;Jr
S;mi I <lr
Sind I Ilr
Simi I ar
111,000
r:;;;-;n;;~~n~~;ioll!l - . (;05C.' n~d Hark~t iiotn npprolll"he.'l support my Ilpi II i on II f val Ut., wi I II t lil:' llarkl'l 11:11 a
_.approach .being til{~ mOFlt accurate 1ll1<1lysia to confirm my fill,ll "pinioll of vIII lit. of $81,0110.
lhi~ ;WI"i~al ~ t;~~r~ iijinn if,'; ~iin;~ ir~I,,"riiw,il~ iil;; irlhi,;:.:;i'l.' f,i"hflll,'nl ~",II"P'I""" ,,"d,l'''....
i [1 fmH^,lllfll Mr~ V^ m.,"torIH'Ill~
1_-1 rlr~~,~ M.'r fOIlTl ~1'J tflrv 1IRr.llr.l'\rIl~ ,.t,1' rn'lIl Inom I!I.., lrHr.1 1.1",1 1'1011, ,I" "I
I '.U UIIMatI THI IURkH taLOr, as nIflNID. 01 lllE SUIIJICT rROPIAn as 0'
,l""'.1.1,hl \"I,,,,,I,.!,,..II,,"II'.lt;,,o' .1,11101",
.IIIIH' ]f"
1'1 !xl"!I.,,r...,!
19 f) I '0 h! S H 1,0110
1 ('M'l Ct":ll,'~ 111.,,10 Ihl' bl'~t 0' my 100"1 ~1If1...h"'ole ,1"~ l,d,d 11'1." 1,1(1', .l"'! ,1.11.1 II" ,I "I ,"..., "., ,,,"', .1',01 ,,,,,,, I It, (111.',1'1 I'" '''''.'H,' ''''-1'0'' 1..,111... '.,,1,1'" 'I I',p'rl'{
bollt llI~.llt ,,"11 ~I'. ~1l<1 h~~e rn~l1r. an rrlrllOl Hl',lIcrtooll III "n rn,plt.1',lt>11' ~.ll,." (.1..,1 ," U,,'. "'1"'" aI''' 1h:ll 11~,"III.',o' II'> "o"h',' 1"..,.<\ ,"10 ,'''.1 1''''',0.,,1 or 1""'1"" lI,r
lhl'trln ~
\l~'a'~~rl~' _SIl'"..I.~ltll~e.,~~.__.. fIC'lll'wfll'I".w,r' ~,1t,III.It"'! I I flu! I I [ll'llllIl
.lJn.IO......,O".J'1
PIIOIOGR^PII ^UUEIlDUM
~.nr~lIy ""l<I'~1'
Cl!~
~~tHl'"
(;(''''''1~
51,l!P
I,!,r:"'lp
FRONT OF
SUBJECT PROPERTY
REAR OF
SUBJECT PROPERTY
-.q
..
STREET SCENE
r
1-
.1
-'---
PIIOTOGRAPII MDENUUM
COIl/lIt
!;r~I~
.-.-'........01;.._.
"pro.'..
COMPAnABLE SALE WI
COMPARABLE SALE #2
COMPARABLE SALE #3
IJnlNlllflN Ol-'I\I\II.U:I \',\1,111: Ill!' 'lll1',' 1""",II.k 1";'\' lIlli, Ii a P'''IWI!\ \li",ddl'li,1I' III :""11>1"';';1" ;111.1 "I','n
markrl ''''lllrl1111 n""dilll1rn 'rqlli~ilr 'n :llai, qlr, .llt't'II\I'1 allll will'!, ~,Il 11;1\ liIlPI'III'kllll\, ~ 11'1\\ k,I"I','''h atl,I .I',',lIlll
lrlR Ihr Pllct 111101 aUrrlrd hy 1tlhlt1f" \Ii,lIl1lm 1mI'll! il ill IId\ c1dillitirlll h lilt' (1l11\1I111111;11I'111 ,II ,I \al":I' III a \1'1" jlird
dalt"alld IhtPA1,lllR Ilf litlt" frOIll 1rlll-Iln 1111\1"1111<11" UHlIIlli"n\ "tH'ldl\ III "II\rr ;llId 'l'lIt" ;I!r 1\t'i<;llh 111,,1;1;111'11; (!I
hnlh rarllr, arr wtlllufmlllrtlor ""I'll ruhiq'd, and rOll. h ;lllinl' ill \\har Irl' rnlllid('r~ Ilil '1\111 ht'q illl.'rnt: III ;111'a"'II.1Io11-
IllIIr 11nllnwrd rm r'rmllfr ill thrl1ll/'nlll;lI~I": HI p;nllll'lll i\ 111:1'1<' intl'rltl\ I" ra\1I il111 ", c1,.!I,lI~ III inl~'I'lI\ "llillan
crOll nllallgrll1tl1l1 rOI11I',":lhlr Illr.rlll: aud 1~1 tIll' I"i, I' '('I'II'\t'lll\ .11l' ""'IlI;llllllt\ilh'l ;lIi,," Ii'r 'lit' I'r "I'''' 1\ \"Id IIllal
ftrltt! hy ~rrrl:ll (1f crrruht li'Wlld'I~' llf ~;lk\ I O1l<'r\\i,,",. Ylalllt'd h\' ,UIII1rn' a'\I1\ iall'll I\illl 'ht' qk
. ^dill~lllIrltl1lfllhr (,1I1I11';1I;lhlt'\ ltlll~1 hr m:l<k 111/ ~I'r, Lit llf llt';"i\r lit1:lIl\;IlI' 1lI qll'\ 11111<'1"\;1111\ fJ" adjl1"lIll'lll\ .Ill'
Ilt'fr~~ary fl.r fl1o~efll'" \1 lIil II :lIr 11111'":1111' I':,id h~' \rlk,~ a~ a 1t'\lIlt 01 II:ldili"H III L'\I ill :l11l:H~rl art'a; 1111"1' t 1"1\ ;111'
Il'adil.,. idt'1l1iliahlr ,inn'lht' 'dIn 1':1\\ IIlI'\t' ("<11'\ ill lil'":1111 ;111 ~;!Ir\ '1;11":1( tilll". "IWI i;11111 IH';llill' lill;lI1,illj,l ;"I;llq
lI1rl1l~ rail hr lI1:111t In lilt' clIlIll';!,al,tl' (111'1"'111 hI llll1lpari<!1I1' Il,litl;ll1litlj! It,.tl1~ nlll'II',1 hI" Ihiltll';Hl~ il1'.lillllil'";11
Irndt't ,h:ll i, 11111 allt',"'" i,lIol\('d ill lilt, 1'11l1'nll' Hr "alll",.il\l1 '\1\\ adjll"lIlt'tll IIU'lIld 11'" hI' (akl1l.lIl'd "11 a
IlIrdt:lI1knl dnll"f fOI doll", rml of 1111: lil1;lI1\"ifl~~ III l'I"HT'lil\ll h!ll Illr 111l11;1I ;111101111101 ,m\' ad;1I1l1lH'1I1 <!lllllld :11'1'10'
!tllale Illr 1l1;lIkel'1 Ir"cliotl IOlhe fiu,lIldl1llIII lllll\t'\\illm h:l~l'd !lIlItH.' Olp"rOlhrr'~ jlllll1l1H'1I1
('Utili f('A tllIN ANI) 1.;1,\11, Mt:N I II. 111\1I11Nf; ('ONIH 1I0N~
CUtIIl-U'AIHlN: Illr ^rl'laill'r rr"dit', ;11,,1 ;Wtll'\ "wl'
I, I ht' ^f1flHli~t" h"1 lln I1lrlt'lIl "I flllllrl1lpl.lh'll flll'" r illl"lrq in .Ilt' ,'r"I'('''~' ;11'1'/:lh'i1; ;lwl/wi/llI" Illl' 1'1I11"ill I/WUI
III lIIakr Ihr arf1'ai~:lI, rUH Ihr l'"t1Il't'lI~;llilllllt'f il i\ (I'11.ill~'('1I1 "1"'" lilt, :Ipl'fai\l'II \;lh1\' III 111'-' 11"'1'\'111'.
2,'1 ht' ^rp.ai'er Il:l~ 110 pr'~"IJ;l1 il1lr.r~1 in III hi;l~ "itlt 1t'~I'I'd III Illl' ~11"j"'llI1atlt"lll lilt' :l1'1'1"i\;,1 '1'1'1111 III tIlt, 11;1'
Ikl(1nnl1ln Ihe1:11r, '111t' "f"llttlOllrnf Ma.kt'1 \':llIw" ill.ht' Oll'l'r01hal,rI'PI';~ 1I111 h;1\{'" ill II hok I1r in pari "1'1111 lilt' .avt',
c(llnl, or n:llinl1al nli~jn {If Illr pIP~p('('lilr 11\\'11'1\ or 1'<rlll,;r1ll1 nt Ill(' l''''I'~'lty :lI'I":liwd, III "1'11I1111l' ':ll'I', tPI", 01
n:lliollal mil:in {If Iflr pr('~rl1l /l\\lIrr~ Il, I'I'('I!I':III'\ ,.1 111(' 1""I'I'rtie~ in lilt' \it;lIil\ pf lire l'rnl1l'111 ,11'I'r;li\nl
.1, 'Iht' ^rrlai1t', II:I~ rr'~(ll1OlI1~ Imf't'rlt'd tilt' l'llll'\'fly, "nlh ill\idl' aud lillI, allllt"" mallt' an nlt'lilll irl'I'I'\lillll III ;111
clImrllrnhle ~alr~ 1i~It'd in lilt' 't'l'm!. In IIlr hnlnl 1I1r 1\l'l'fahl"'~ ~ 11111\ 'rdl~t' :'lIrd Ill'lid, all 1l:1It'lI1\'llt~ ;Lud infll.I1I;,tion
Inlhi1 rrrorlnle Ifllt' :11](1 cm.rrl, alld lIlt' ^I'I'IOli,.l" 11;,\ 1I111 ~nl1llilll!ll' \\illl1rrld aliI \il'.l1ifiralll inln'lIlalinll.
4, ^" cnnlil1~el1ll1nd lhniliu!! f(lndi,inll~ :If I' 1"I'lll;,int'11 11t'll'in fillll'mt'(I by lilt' frill" llr 111(" 1l~~irll'"(,111 III hr lilt' 1l111k,.
11gl1rd IIffr<:III1R lhe IIl1:1I~'~('1, (1l'lnIJln~, and c/1l1dll\inl1~ rO'"llil1t'd ill Ille It'IH''II.
~, 'J hi~ 3rl'rAI~III'("r"fl h:n hrt'nl11adt 111 cnnlPllnilY" if" and i~ ~\Ihkrt In 111(" "'I]lrift'H1rnl' 11llhl' ('nile oll'rllfl'\~inllal
fJhic1 and St:lI11'a,d, of Pl/lrr~\i(ll1a' ("nlldl1r1nllhe :lJ'l'r"i~alll'I!;lIri/atinll~ I\i'h "hidl tilt' 1\I'l'rai,1'f i~ ;rllili:1ll'll
ii. ^II c(lnclu~lnm and nrinl/lf1~ cOI1('rruinr tI,t' '1';11 t"W't' Ih:1I ;Jrt' ~I'r t"llh illlht, :Jl'l'tail,11 fl'I'''1I IIr'l' 1"l'I',lIt'" I,y thl'
^rrlai~t, I\hmt ~ipnnlllfr arrt'ar~ 011 Illr "l'l'r;l;<;lI Il'l'n, I, IlIllt'\~ irl,lk:l1l'd 01~ "111'1 il'\\"\I'I";lhl'f " No ('haI11>(' nl al1~
hemin Il1r arrlnhnl tt'pml ~ha1t hr made hy :Il1Y"lll' tltllt'f IIlall tIll' ^1'1'1"i~l", ;Jlld 11ll' '\l'l',ai'l'r \llall hall' IIn rnptll,
sihllily for nny 111Ch l1l1alllhllrin'tI c1ran.r:('
('ON'nN(;"~Nr ANfll.lMIIIN.; ('(INIJlIIIINS: 'lll'(,l'rlilir:Hi"l1 01 lIlt, 1\1'l'lai\l" :lJ'I'l';uilll~ in lIlt' aI'J"ai~:11't'I'Il'1 i~
~llhjel"IIO Ihr fullowing contlilinll1 audio ~llch ollrl'r ~I't'filk allCllill1ilill,l! I'Clllllilinm n~ :!I\' ~l"1 full It hy lilt' '\I'fll;th\', ill
llle rrrnl!.
1. 1he ^rr'OlI~t'1 n'~llmt'~ l1n 1t'~rol1~i"ifily rllllllat.l'I~ nl a 1{',~:rl11;lltlH' :llfl"dillg the l"lIl'('rl\ :lPI'r..iq:d 111111(' lilll'
Ihe,rln. nnr d{le~ Ihe ^pPlni'rr 'rndt'r an\' {'pinillll a, III the 111 It" which i~ :I~~1I111t'd lilt1\' J!lIllll .lIld nw.krlahk.1 Ill' prll
refly i1 nrrlai~rtl a' Ihlll1,l!h .trulrr 1t'~p(1ll~inlt, (ll\llt'r~hir.
2. ^"Y ~kt'lcll inlhe rrrClflllla~' din.... nfl(l'll'(illl:llr dill1rn,inn~ :ll1d i~ inrhllll'd I{. a,\i~1 lilt' 't'atll'l ill \ hllali/il1,l! Ihe 1"11
rrfly, The ^rrtahrl hA~ rnmlr nn "1f\'t'y nf Ihr f111'1't"ly.
3, 'Tht ^flr'al~rr I, nol ,r1l"i't'(llo r.ht' 1t'~rill1tll'l' n, :lrr't';)' ill ('lulII ht'l";lIl~t' 01 1I,,\illl' Hlade Iht' apl'lai':lI with
rdt,rnrr 10 Iht' r'orl"ly in llllr~li(l/1. 1111le~~ a;r:lI1J!l'l1lrlll~ ha\t' hrrn I'lrdoml\' lIl:ldt' Iht'lrlnl.
4, ^ny IIhlrlhuliull or Iht \'nl1Hllinll 111 ,Ilr I{'I'OII Iorll\t'("1I \;uIII and illlllllll l"1l{'nl~ al'l'li." nlll\ mulrr lilt' r,i"i,I!lI""
lunrn nf llllllTrulnn, lhr ~rra'l\lr \'nh.nlinmlnr land and hl1ildinJ! 1I1l1~lnOI he mt'tl ill t'lll1jutll'tilll1 I,ilh OIllY ofht'. np'
r,nl,nl Rnd nfr invalirllr m mrd.
.5, 111r ^rrr:'lht't n~mtl1r1 Ihat Iht'.t :'I,t 110 Iddlkll III Illl,'rl'alrnl rnnl1ilinll~ or Iht' l"OI'l'II\, III "'oil, '" ~lIl1l'IIIIl'"
which would 't'lllkr Ilmnlt n, Ir'., vnlnahlr, 'llr ^I'llIni~rr 1I~~1Il1lt'~ 1111 rl'~l'nrl\ihilill' fm ~1I('1r fllluliti"n~, Of ft,. l'IlI'il1l'l'I
IlIg whirll fIli!!hl he 'rll11iltd In di~{'I1\'rr ~llch fart"'~
ii, Infmll1alinn, t~lil11alt1, an(I nplniflll' fllltli\llrd III lIlt' <\I'I'r;,i~I'f, "lid cllntaint'I' ill lilt' Ir"(lrt, "rlt' "btaillt'd f"lIl1
~nllTrt~ t'nmhlt',rd ttliahlr anrl Ildit'\'r(I III ht' Ifllr alld l"lIl.rCI. I 10\\ l'\t'f , '"1 rt'~l'oll~ihilil\' fp. :,rnlla("\' of ~11l11 ilt'lll\ 'III
nhhrd Iht ^rrfAI~rr ean hr a~~l1rnrrl hy tilt' ^I'I',ai"".
7, J)i~c1mltlr ('If Ihe CClnlrlll~ nf Ihr nl'l'l:li~al frl'oll i~ rn\rlllrd h~' llir II~I"\\I and Hqwl;llillm of lilt' "I(lk~\illllal
nrr,ai,nl mFnll11allnn~ "llh \\hidlfht' '\"Plah('1 i~ alfilia'l'd
R, Nrirht'1 ;Ill, nm nny pnn of IhrcnnlrUl of Ihr H'I'".I, "' I'Ol'r IIlncllt (illdll<iill!! 1"l'lIdlllillr1\ a~ Illlhl'I'IlII't".I)' \;tllll',
Ihr ldtllllly nf Ihe ^rrlnhrt, rfCIfr~~lnnnl dt'~iJ!:n;llilln\, Id("rl'llt"r I" mlY J'llltrl\il,";,1 al'l'lai~:11 111,~alli/:llillll~, Pf Ihl' Ii. III
wllh which Il1r ^rrTnI~tr h cnllllrclrdJ. ~h:l11 he mrll rnl :'lilY l'IlI''''\t'~ h~ llllllll1t' hut IIII' l'Iirl1l ~Ill'rifil'd il1l1lr 1t'I'o'I,lht'
hnrrOl\rr If orr':lhal frr raid hy 1AII1e, Ihr I1HHlyal'l't' {'r il~ ~11Cl"\'~~111~ :11111 :I~~igll\, mill I ":Il'!' Imllll'r~, (tlnI1l11alll~. 1"0
rr,~lonal Arrlai~Ol' (l'~afll/allnn~, nlly ~lilIt' nl ft'lkl"l1y :1111'101 l'tI lirWllri;.1 il'lilllli,,", :lIly dl'l'Ollll1ll'lIl, 1I~'l'l1{'\, III in~I'"
"'t'IlI:lliIY Clf Ihr [I,,1It'tl SlilIt'1 nr any Wltr 111111(' f)ilui;-I of ("Olll1l1l>i,1, I,illllllll lilt, I'lt'\i,,"~ l\lill"1I rorN'1I1 nl Ihe
^rrr;lhrl: 11m ,hall II hr t'nn\.t'~,t'd hy nllyollt' llllllr pllhlic IhrlltlJ;h alhrrli~il1r, I'lIhlic .d;tlil\n~, lIt'I\'\, ~:lk" 1lI 111hl"
llIt'tlia. \\lIholll Ihe wllIlt'1t rnl1't'nl anti nl'l'rll\nlll1 Illl' ""111:1;\('r
9, ()n nil Olrrrni~ah, 1uhkcllO ~nli~rach', YCtl1l1I'kli"f1, 'l'l':liI~, '" ahl";lli"",, Ihe al'l'l:li ;11 rl'I''''I :11111 \"Iul' ("Ill Imil"l
arr COl1llnp:enl I1ptlll Cfl1l1rlelinn 1\1 lilt' il1ll"l1\ \"111'111 \ ill :l "rH~f1Ialllil r l1l;IIlIII"
l1ale:. _~~1~~~.2~,_l9.?.L
~ f' --:.7---J..
~~ ~.lf#f14..-",
I.ar E, FlIIlI!', t:.ILE,^,
,I;, .II,.", 'I \ 1'1'11111', I Nil' 11\ Q\~' I ~ '.1 IIIl
'''''''''''1
"'~" ""'ll I' 'I I.
'\I'I'."ilt'l(\)
IHI'I""'~"
1""1'" 11'1..
II <; ,..,,'" hie ,1/ '''I".I~'I
'~
Pennsylvania Credit Union League
& Pacul Services, Inc.
;t 4309 North Front Street
P.Q, Box 60007
.:l Harrisburg, PA 17106-0007
~-~ (717)234-3156
4/19/94
Ronald and Caryl Sheppard
80 Oak Flat Rd.
Newville, Pa. 17241
Dear Mr. and Mrs. Sheppard:
Enclosed you will find your original documents that were submitted
with your mortgage loan application,
We are unable to approve your loan application at this time for the
following reasons:
1. Collateral is inadequate (or loan amount.
2. We do not grant credit these terms and conditions.
In further explanation; in order to pal off the first mortgage and to
subordinate the second lien which happens to be a Home Equity line of
credit we need a Loan to Value of the original mortgage amount asked
for to be 75% or less. The $48,000.00 would be less that 75% with an
appraised value of $77,000.00. However, the second lien would have to
be subordinated at the high credit which your Credit Union verified at
$15,000.00. This would give a Combined Loan to Value of 82%. Our
guidelines specifically state it can be no more than 75%. You dispute
with the appraiser must be handled between you and him since CUNA Mort-
gage is not his employer. Your options are to have another appraisal
done by one of our approved appraisers at your cost, have the Credit
Union renegotiate your Home Equity loan at a lower amount or seek another
lender whose guidelines allow for a higher Combined Loan to Value.
I regret we cannot be of any more assistance to you.
Sincerely,
/ ~ '\ / /
~~.""-""'---'v-4//. :-r-
Diann Shultz '
Mortgage Processor
EXHIBIT
~
"
I
Fax: League (717) 234-2695
Pacul Services (717) 234-4463
Card Services (717) 234-2113
. .. .
CERTIFICATE OF SERVICE
The undersigned hereby certifies that, on the date below he
served a true copy of the Complaint on the person listed below, at
the address set forth, by First Class United States Mail, Return
Receipt:
PENNSYLVANIA CREDIT UNION LEAGUE and
PACUL SERVICES, INC.
4309 North Front Street
P.O. Box 60007
Harrisburg, PA 17106-0007
lee, Esquire
GLACE
Front Street
B 12027
Harr burg, PA 17108-2027
(717) 232-0511
1. D. 23933
Y SUBMITTED,
By
DATE:
9jit4,/QQ0
I
11
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.
NOTICE OF APPEAL
COMMONWIALTH 0' PENNSYLVANIA
COU., O. COMMON PLEAS
JUDICIAL DISTRICT
]
FROM
DISTRICT JUSTICE JUDGMENT
COMMON PLEAS No.
96-4610 Civil Term
NOTICE OF APPEAL
Notice is given that the appellant has filed in the above Court of Common Pleas on appeal from the judgment rendered by the District Justice on the
dale and in the case mentioned below.
/1" .
1--- ~ I (.
MAG. OIST. NO OR NAME Of O.J.
-leI, 6 5'j/""Le i(" .,
STATE ZP CODe
p",
.....",,,,,
OTY
(Dcfcndal1ll
i".?~>/"L' ,1~J -- Crt") vs. ~-,(,j) ::Y',
S/CNATURE Of APPElLANT OR HIS AnQflNfY OR AGENT
[l'
TiC.
CV 19. 00000 ,'!ro - 9(. /,
LT 19 f./\ JI,
This block will be signed ONLY when this notation is required .under Po. R.C.P.J.P. No.
tOOaa
This Notice of Appeal. when received by the District Justice. will operate os 0
SUPERSEDEAS to the judgnlent for possession in this case.
Signature of Prothonotary Of Deputy
" -r- / f 11.;J
.! ":' ", ))('. "I! ,'.:: "Co.
If appellant was/CLA(MANT (see Pa, R,C'p,J.P, No,
1001(6) in action before District Justice, he MUST
FILE A COMPLAINT within twenty (20) days after
filing his NOTICE of APPEAL.
PRAECIPE TO ENTER RULE TO FILE COMPLAINT AND RULE TO FILE
(This section of form to be used ONLY when appellant was DEFENDANT (see Pa, R.C'p,JP, No, 1001(7) in action before Distlict Justice.
IF NOT USED, detach from copy of notice of appeal to be selVed upon appellee),
PRAECIPE: Ta Prothonotary
, ""0 "
Enter rule upon ,'- (o' (1 .j
(Camman Pleas ~
'1- C,d',l/ :5j~(>/}/tI;~ .J . appellee(s). to file a complaint in this appeal
Name of appcIJec{s) _ .._." _h:' '. . ,-- --.-- ---1
Q6":4610 Civi 1 Tp-nTl 1 within twenty (20) days ofter ~er~~~,c. a.' rule: ~.s~ff~':.;.entry:of judgment of non pros.
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RULE: Ta
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Name 01 a.ppeJlcc<sJ
, appellee(.).
(1) You ore notified that a rule is hereby entered upon you to file 0 complaint in this appeal within twenty (20) days after the date of
service of this rule upon you by personal service or by certified or registered moil
(2) If you da not file a complaint within this time, a JUDGMENT OF NON PROS WILL BE ENTERED AGAINST YOU,
(3) The date of service of this rule if service was by mail is the date of moiling.
Dote: AUQUSt 16 ,
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COURT FILE
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i'NOTicE OF 'APPEAL~.,,:J,"''"''\'' '" > "
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DISTRICT JUSTICE'JUDGMENT .. /." ;:t.:; '{ '.-
COMMON.WIALTH O. ,INNSYLYANIA
COUIT Of COMMON 'LIAS
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.:. "" ' " .. " ", , : NOTICE OF APPEAL ','\"<' ,( !"'!',", ..i."..~.~'..~.,.,..NF',"i~',5;'~.:i;..
L,~Iic~ is ~r-..n;he;; ~ ~lant has fl~ In' t~ above c~i ~f C~."'"";;:.i~~i:~6'1~!~~~~~ ~.;,;;ind'J4~~~ I
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COMMONWEALTH OF PENNSYLVANIA CIVIL COMPLAINT
--, -- PLAINTIFF:
MagistCfI,ll District NlJlll[)(!f - -
OJ Name: Hon 09 3 02 r Co", ,""",,,,,". "'0"' for ]
Address Hel en B. Shulenberger NoIl1I!' Caryl & Ron Sheppard
27 W. Big Spring Ave. ""Ii.">" 80 Oak Flat Road
P.O. Box 155, Newville, PA 1724] Newv [lle, PA 17241
Telephone No I 717 776-3187
CO~PLAINT NUMBER cv -86-96 DEFENDANT(S), VS,
DATE FILED, Nay 31, 1996 ~ -
0.1 N.1I11t. PACUL
tMOUNT DATE PAID Adr!f('''~> FA Credit Union Lca.gue
FILING COSTS $ 3.50 5-31-96
SERVICE COSTS $ 5.30 4309 N. Front St.
JCP $ 1,50 0.2 Ndf!l., P.O. Box 60007
Addrl'~;S l!arrisburg, PA 17106-0007
TOTAL $ 50.30
TO THE DEFENDANT: The above named plaintifl(s) asks judgment against you for S lR13. 90 togethor with costs upon
the following claim (Civil Fines must include citation of the statute or ordinance violated):
Feb. 94 we applied for refinancing our home. PACUL assigned an appraiser from their list of
approved appraisers. His appraisal was improperly done (it came in $15,000 less than an apprai
done in 1991). We documented the errors but the PACUL did not act in a timely manor, they re-
fused the refinancing based on the appraisal. Our lock on interest rates ran out, rates rose a
PACUL would not extend the rate or do anything to rectify the error. We had paid a deposit up
front and this was used to pay for appraisal even though we asked PACUL to withsH hold pmt. Tt
state has investigated our c1a im aga ins t the appraiser, found it to be an ri incompentand is
proceeding with charges. The claim includes appraisal fee, credit search, film, developing, tiln
off from work and mo~ey we lost on refinancing from app. time to when r'l.""'l'tllOllw.i! IgiOl'!WI&J,in (17
in this complaint are true and correct to the best of my knowledge, information, anel belief. This statement is made subject 10 the penalties ormonths
Section 4904 of the Crimes Code (18 Pa. CS.A. 9 4904) related to unsworn falsification to authorities later) .
Ca.<-.... {) ii'
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a (Sign<lture or~aintiff or Authorized Agent)
Plaintiff's
AlIorney:
Address: Telephone:
HEARiNG IS SCHEDULED BY DISTRICT JUSTICE N5 FOLLOWS:
27 W. Big Spr ing Ave., Newville, PA 17241
Location Date Time
IF YOU INTEND TO ENTER A DEFENSE TO THIS COMPLAINT, NOTIFY THIS OFFICE IMMEDIATELY
AT THE ABOVE TELEPHONE NUMBER. YOU MUST APPEAR AT THE HEARING AND PRESENT YOUR
DEFENSE. UNLESS YOU DO, JUDGMENT WILL BE ENTERED AGAINST YOU BY DEFAULT,
IF YOU HAVE A CLAIM against the plaintiff which is within district justice jurisdiction and which you intend to assert at the
hearing, you must file it on a complaint form at this office allensl five (5) days before the dale set for the hearing. If you have
a claim against the plaintiff which is not within district justice jurisdiction. you mny request information from this office ns to the
procedures yOu may follow.
Service of Process
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0 o Registcred/Certlll(!d M;lIl [] Ll Pr',(jfof :-:'.:.rVlo.AtLlr;t".d l] o N(lt~'r\A'd
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AOPC :108.90 DISTRICT ,JU3TiCE-PEflM^I~EI~T COPY
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RONALD and CARYL SHEPPARD
Husband and wife,
Plaintiffs
IN THE COURT OF COMMON PLEAS
CUMBERLAND COUNTY, PENNSYLVANIA
vs.
NO. 96-4610 CIVIL TERM
PENNSYLVANIA CREDIT UNION CIVIL ACTION - LAW
LEAGUE and PACUL SERVICES, INC:
Defendants MANDATORY ARBITRATION
RETURN OF SERVICE
The undersigned hereby certifies that, on the date below
written, service of the Complaint in the above-captioned action was
made upon Defendant below named, pursuant to the provisions of the
Pennsylvania Rules of Civil Procedures Rules 403 and 404 by mailing
the same to the said Defendant, at the address set forth below, by
certified united States Mail, return receipt requested.
Pennsylvania Credit League &
Pacu1 Services, Inc.
4309 North Front Street
P.O. Box 60007
Harrisburg, PA 17106-0007
The return receipt evidencing delivery of the Complaint is
attached as Exhibit "A".
The undersigned further avers that she is a competent adult
individual and that the averments of this certificate are true and
correct to the best of her personal knowledge, information, and
belief.
DAT
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RONALD AND CARYL SHEPPARD,
HUSBAND AND W:FE,
:m THE: COURT CF COMMON PLEAS OF
CUMBERLAl'O COUNTY, PENNSYLVANIA
Plaintiffs,
v,
NO, 96-.610 CIVIL TERM
P3rlNSYLVANIA CREDIT IJ);ION
LEAGUE AND PAC~L SERVICES,
INC, ,
C!VI~ ACTION - LAW
Defendants.
MANDATORY ARBITRATION
PRAECIPE TO DISCONTINUB
TO: Prothonotary
Court of Co~mon Pleas of CU~berland County
Please ma~k the above-captioned ~atter as &ettled and
discontinued,
Respect!ully submi:ted,
fi.~
?la~nti=f, Pro Se
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Caryl eppard
plaintiff, Pro Se
1'\)'" ;" d r\c\cL,J I ': n 0.9
July ~, 1998
Pr ,) CC:cp_', -\( cfYi OppJJkn-t
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