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RE'J.1SllO EX \8-Cq REV-1500 OFFICIAL USE ONLY
COMMONWEALTH OF
PENNSYLVANIA INHERITANCE TAX RETURN
DEPARTMENT OF REVENUE FILE NUMBER
DEPT. 280601 RESIDENT DECEDENT 21-06-0704
HARRISBURG, PA 17128-0601 -- -- -----
all.NIY CODE YEAR NJIIIER
DECEDENT'S ~ (LAST, FRST, AND t.UII.E Wnw..) SOCIAl. SEClRTY NUMBER
....
Z Leach, Elizabeth S. 162-22-3017
W DATE OF DEATH (fMOO-YEAR) DATE OF BRTH (fMDO.YEAR) nIS REnJRN"BE FII.B) IN DlFLICATE WITH THE
Q
W 07-21-2006 11-12-1926 REGIsTER OF WILLS
0
W (F APPlICABlE) SURVIV'I-IG SPOUSE'S NAME (LAST, FRST, AND MOOLE W1TW.) socw. SECURITY NUftIlER
Q
none
~ [!] 1. OrIginal RllIum 0 2. SUppIemenlal RsI1rn 0 3. Remainder RllIum ldllul ~ pdar lD 12-tW2j
~!!!:~ o 4. Lirdled EsIate 0 4a FuIIn ~ CcmpramIse ldlla III ~... 12-12-12) 0 5. FednI EsIate r. RllIum ReqWed
fdB:8
XI~ IKI 6. Decedent DIed TestSe (Alladu:llPl ofM) 0 7. Decedert MaRaIned a Uving Trusll'4llCll",1Il TMI) _ 8. TctII NIrnber rI &te 0ep0eIt Boxes
(.) l:D
o 9. UtigaIIcn Proceeds Received o 10. Spousal POWI1y CRllIK (dD III dIlIIII......,2-3t-11l111 t-t-85j o 11. EIecIIoo 10 lax 1Ild.. See. 9113(A) (A111a118cIl OJ
ffi .....:.....'tHIS::Sl:c:'I'JOM...OST:BE.CC*PU:TEn..ALL.~~AND..~~.,.AX~1J()t,I.sflOlJP)..~.TO:.::.::... :
NAME COftRETE LW.NG ADDRESS
0 SAMUEL L. ANDES
z
~ FRM NAME (If AR*abfe) P.O. BOX 168
~ TELEPHONE NULtlER LEMOYNE, PA 17043
0 717-761-5361
(.) r--...."
,. '0.
1. ReIII EsIaIe (Schedule A) (1) 133,000.00 .~~ICIAL ~ ONLY
2. Stocks and Bands (Schedule B) (2) "J :L__ll'
:~=-,
3. Closely Held Ca'paaIioo, Plmership or ~p (3) I
G'l
....-. . ~ '.
4. Mcltgages & Nates ReceIvable (Schedule 0) (4) "
..
5. Cash, Sri Oepasits & MsceIInws Personal Property (5) 1,244.14 "0
Z (Sched. E)
0 4,767.73 C0
6. JoilIIy Owned Pnlperty (Schedule F) (6) -
~ o Sepnte BlIng Requested
7. Wer-VIvoI Trnfers & Miscellaneous Nm-Probale Property (7) 36,938.37
;:)
.... (Scheel. G or L)
~ 8. Total Gross AII8II (tdaI Li1es 1 - 7) (8) 175,950.24
9. FIIlIlIlII Expenses & AdnIniItraIive Costs (Sched. H) (9) 6,794.77
~ 10. Debts rI Decedert, Mcltgage UabiIIies, & Un (Schedule Q (10) 2,475.05
11. Total DeductIans (1daI Liles 9 & 10) (11) 9,269.82
12. NIt Val.. of Estate (\.iIe 8 mills Une 11) (12) 166,680.42
13. CIwiIabIe lIld GovermlenlaI Beques\BISec 9113 Trusls forwhich III eIecIJan \0 tax has rd been (13) 0.00
made (Schedule J)
14. NIt Val.. ~ect to Tax (Une 12 mills Li1e 13) (14) 166,680.42
SEE INSTFU:11ONS FOR APPUCABLE RATES
Z 15. AmOIIt rI Llne 14 taxable 11I118 spousal tax
0
- rate, oriBnsrn IIld.- See. 9118 (8)(1.2) x.o_ (15)
~ $166,680.42 x.o~ $7,500.62
~ 16. AmOIIt rI Li1e 14 taxable IIIli1ea1 rille (16)
Q. 17. Amw1\ rI U..14 taxable III sibIng raIe x .12 (17)
:E
0 18. AmOIIt rI Li1e 14 taxable III c:oIlaIlnI raIe x .15 (18)
0
~ 19. TIXOuI (19) $7,500.62
zo. 0 I~HEREi~Y6(jARI:~tGA__(E.AN.~YM.SrtI
". ". ............. .. . ... .. ... ....
STFPM2021F.1
... ..... .. .... ... ......... .....:::oo.,...BESURE TOANSWERALLQUES1'1ONSON REVER$ESlDEAND;RECHECKMATH~.~:
.. . ..........' ",
. ..... '. . . . ..
...... . . ... ....
, A
Decedenfs Complete Address:
STREET ADDRESS 527 Walnut Street
CITY Lemoyne I STAle PA I ZIP 17043
Tax Payments and Credits:
1. Tax Due (Page 1 Une 19)
2. CnldItsIPayments
A Spousal PCMrty Cretit
8. Prior Payments
C.DISCOt.ri
3. InteresUPenalty if appIicalIe
D. Interest
E. Penaty
(1) $7,500.62
Total Cndts (A + B + C) (2)
Tata InterestlPenaIty (D + E) (3)
4. If Una 2 is greater than Una 1 + Une 3, enter the cifference. T11s is the OVERPAYMENT.
Check box on Page 1 Una 20 to request a refund (4)
5. If Una 1 + Una 3 is greater than Une 2, enter the cifference. T11s is the TAX DUE. (5)
A Enter the interest on the tax due. (SA)
B. Enter the total ofUne5 + SA. This is the BALANCE DUE. (58) $7,500.62
Make Check Payable to: REGISTER OF W1US, AGENT
PLEASE ANSWER THE FOUOWlNG QUESTIONS BY PLACING AN "l" IN THE APPROPRIATE BLOCKS
1. DId decedent make a InI1sfer and: Yes No
a l8lain the use or income of the property transferred; ........................................ 0 jgI
b. retain the rilt1tto designate who shall use the property tnnferred or its Income; .. . . .. .. .. .. .. .. ... 0 rtJ
c. retain a reversiorIlIy Interest; or ............................................ .. .. .. .. ... 0 iii
d. receiwthe promise for life of either payI11EIU, b81elits or en? ............................... 0 IKI
2. If deaIh 0CCIII'8d aler December 12, 1982, did decedent tra'1siIr property within one year of deaIh
witholt rec:eiIMlg adequate consideration? . . . . . . . . . . . . . . . . . . . . . . . .. . . . . .. . . . .. . . . . .. . . . . . . .. 0 jgJ
3. Did dec:edert own al '1n bust for" or pay,jJle upon death bll1k account or SEIClIity at tis or her death? . . . .. 0 IE-
4. Did cIececIert own allndividual RBIrement Ac:cou1t, lIIIity, or other ~ property \\11idl
contains a beneficiary designatla1? . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .. IKI 0
IFni: ANSWER TO AN( OF nI: ABOVE QUESTIONS IS YES, YOU MUST COMPLETE sctBU.E G AN) FILE IT AS PART OF nt: RETlRN.
lbIer pnIIIeI rI per)q I decln b111&91l111'1liled IiIl8IIm, IncIlxfRI ~ ICIledUes 8ld 8IaIemn, ... toile belt d my IrnowI8dge 8ld beIlef, I is true, CDl'ICl'" CllII1lI111t.
DecIInIIlI1 rI pr&pn' aIIw than lie pacnal1IPI8SlII'" is based (11 a1fWarnallcn rI wNch pI1IpInr hes lIlY knolIIIedge.
SIGNAlURE~. F~NGRETURN DATE
~ ~M~(h 2.(117
ADDRESS -
Samuel L. Andes, P.O. Box 168, Lemoyne, PA 17043
SIGNA lURE OF PREPARER OTHER THAN REPRESENTATIVE DATE
ADDRESS
..;.:;..:..:.;..;:.......;.::....:: ':."';,"':"':"":"':-:-'':"':-." ...'.-........'.. -:....'...:.-:-.....'-......:..,.. --'.' '::":'."'::':':"'::':"::':_" .:....::...;.:.:.......::...
... .. :.::.;.:.:.:::::::....:..:.......... ....-: ......:...:.:-. >..;..:::::.::-;::.::.......:.::-. ..... ':.' ......:::;::-....:.:.: .... . .::-..:.......:::-:...;...:::....-:..:':..;-:..-:...;.:-:..... ......;.:-:,.:'..'.:::-::-:::::..::::..:-:::...::::-.::.:.::':::\: ::-.;.::::::....::.:.....: '.
For dales d death on or after JUy 1, 1994 a1d before Jnay 1, 1995, the tax rate imposed on the net value of transfers to or for the use ofthesllVivlng spouse Is 3%
[72 P.S. 59116 (a) (1.1) (I)].
For dEs d death on or after JauIY 1, 1995, the tax rate imposed on the net value of tra'lsfera to orb'the use dthe lllIViving spouse is 0% (72 P.S. ~116 (a) (1.1) 00].
The stsUe does not .~ a trnrer to a suviving spouse tom tax, and the statulexy I'BlPremerD for dIacIosIn d assets aid filing a tax retun n stili appIIcaI)Ie 8YllI1
If the lllIVivir1J spou;e 18 only beneficIay.
For dEs d dead1 on or after JUy 1, 2000:
The tax rale Imposed on the net value of transfers tom a deceased child twenty-one years of age or younger at death to or for the use of a I'IilnI parert, al adoptNe
panIlt, or a stepparert d the chikl is 0% (72 P.S. 59116(aX1.2)).
The tax rate imposed on the net value of transfers to or for the use of the c:Iecederi's lineal benelicisies is 4.5%, allIpt a noted in 72 P.S. ~9116(1.2) (72 P.S. ~9116(a)(1)).
The tax rate imposed on the net value oftra'lsfera to or for the use ofthedecedert's siblings is 12% (72 P.S. 59116(aX1.3)). A sibling Is delined, lIlder SectIon 9102, aM
Indlvldla who has at least one parent In common with the decedent, whether by blood or adoption.
STFPM2021F.2
. )
REV-15l12 EX + (1-87) (I)
CCItUlNWEALTH OF PENNSY1WM
IHRITN<<:E TAX IlETIR4
RESIENT DECEDEHT
SCHEDULE A
REAL ESTATE
ESTATE OF
FILE NUMBER
Leach, Elizabeth S. 21-06-0704
AI-1lIUI*tY CM11lIdIllltly or.. linn In cammon muIt be...... at fIIrmllkat VII... fit mIrat ....,.., ... price lit \Wtil JIIOI*IYWlUd be IIId1qed beIween a
wIIrv .lIld a wIIrv ..... neIIIer beiv cornpeIed to buy or seI, both having I'lllIlICIl8bIe krwIedge rllhe....... RIll PRII*tY wNch Is JaInIIv-owned with If_ ~ IlI'VIvcnhIp
IIUIt III dscIOIId on Sc:IIItit F.
ITEM VALUE AT DATE
NUMBER DESCRIPTION OF DEATH
1.
Single-family residence at 527 Walnut Street, Lemoyne, PA. Value per attached
appraisal
$133,000.00
STFPM2021F.3
TOTAl. (Also.... on Ins 1. Recapitulation) $ 133,000.00
(If IT1Of9 space is needed, insert additional sheets d the lIlI1'Ie size)
" J
REv-1508 ex'. (1-97)(1)
lXMtClN'IEALTH OF PENNSYI.W4IA
IMERIWI:E TAX RETIJUt
RESIlENTIECEDENT
SCHEDULE E
CASH, BANK DEPOSITS, & MISC.
PERSONAL PROPERTY
ESTATE OF
Leach, Elizabeth s.
FILE NlIIBER
21-06-0704
R:iIde.. poceeds d IIIgaIIan and the dale lhe proceeds were received bylhe estae. All property JoIdIy<<<<*l with lhellght rI uvMnhIp I1IIIt be cIICIoIed an SchaIIt F.
ITEM VAlUE AT DATE
NUMBER DESCRIPTION OF DEATH
1.
Miscellaneous items of household furnishings and related personal property
$700.00
2.
Homeowners insurance refund
$47.00
3.
Insurance premium refund
$497.14
STFPA42021F.1l
TOTAL (AIsorilron line 5. Recap/l1Jaion) $ 1,244.14
(If more space is needed, insert additiora sheets cI the same 8il8)
REv.'5119 EX ~ (1-87) (I)
C<lMMONVEALTH OF PENNS'tUMA
INtERITAN:ETAX RETURN
RESIlEHT IlECElENT
SCHEDULE F
JOINTLY-owNED PROPERTY
ESTATE OF
Leach, Elizabeth S.
If an ISIlltWII madeJakt within one,.. ~the d8c8dent's data ~ deIIth, It must be IIpCIIted on Sd.ueG.
FILE NUMBER
21-06-0704
SUIMtll<<; JOINT 1ENANT(S) NAME
ADDRESS
RElATKlNStlP TO DECEDENT
A David J. Leach
2328 Berryhill Street
Harrisburg, PA 17104
son
B.
Samuel R. Leach
917 Walnut Street
Lemoyne, PA 17043
son
c.
JOINTLY-O\IVNED PROPERTY:
lETTER Do\TE DESCRIPTION OF PROPERTY "OF EWE OF DEATH
ITEM FORJOINT MADE h:bII... of liIn:III iIIUln and bri IllClIIIt ruWorimllr IdenIlyiv IWlIr. OO'E OF DEATH DECD'S W.IJE OF
NI.U8ER T8WIr JOINT AIIIdI deed for )Jlrff./lltl1IlII1IlIIB. \IWE OF ASSET INTEREST IlECEDEH1'S INTEREST
1. A
1. AlB 5/9/02 Account No. 8207234728 with Pennsylvania State $7,153.24 33.3% $2,360.57
Employees Credit Union
2. AlB 5/02 Checking account No. 1051067251 with Sovereign $7,221.50 33.3% $2,407.16
Bank
TOTAL (Also erter on line 6, RecapitUation) $ 4,767.73
SlFPM2ll21F.10
(If more space is needed. insert additional sheets of the 88I1l8 size)
. .
REV-1510 EX + (1-97) (I)
CCMtONVIEAI.lH OF PENNSVl.I.MIA
INHERITANCE TAX RETURH
RESIEHT DECEDENT
SCHEDULE G
INTER-VIVOS TRANSFERS &
MISC. NON-PROBAlE PROPERlY
ESTATE OF
Leach, Elizabeth s.
FILE NUMBER
21-06-0704
ThIs schsdUe IllISt be ~ IIld filed if the answer 10 EIIy rl questions 1lhwgh 4 an the reverse side tithe RB'.15lXl COVER SHEET is yes.
DESCRIPTION OF PROPERlY "'OF
ITEM IIQ.UlE TIE NWE OF TIE lRANlFEREE, naR RElATIONSHp 10 0ECEDEHr NIl TIE DATE DATE OF DEATH DECO'S EXCWSION TAXAIlLE VAUJE
NUt.eER OF 1lWISFER. AlTACHA COP'I' OF TIE DEED FOR REAl ESTATE. VAUJE OF ASSET INTEREST OF APPl.ICAIll.El
1. Individual Retirement Account (contract No. 82976342) $16,036.05 100% nla $16,036.05
with Thrivent Financial for Lutherans (see attached)
2. Annuity Contract No. A5806223 with Thrivent Financial $20,902.32 100% nla $20,902.32
for Lutherans (see attached)
TOTAL (Also erUr on line 7, Recapituh~ion) $ 36,938.37
811= PM2021F.11
Of more space is needed, insert additional sheets of the same size)
REv-1511 EX.. (1-87) (I)
~~PENNSYLIMA
IlERlW<<:ETAX RE'FIM
RESItDT lEEDENT
SCHEDULE H
FUNERAL EXPENSES &
ADMINISTRATIVE COSTS
ESTATE OF
Leach, Elizabeth S.
FILE NUMBER
21-06-0704
DIbIs 01 dIc:edInt IIlUIt be I1pClIted (II Schedule I.
ITEM
NUMBER DESCRIPTION AMOUNT
A FUNERAL EXPENSES:
1. $450.00
Mt. Olivet Cemetary
Gingrich Memorials (headstone) $480.00
B. ADMINISTRATIVE COSTS:
1. PerSCIlllI RepreseratHe's Cormissillls
NIme rl P8rICIlaI Rllpl8S8IUtive(s)
Social Secl.riIy Nl.rnber(s) I EH Nurnblr' rl P8rICIlaI Represenalr.oe(s)
Street Adctess
ClIy State ~
Yesr(s) CorrmIssIon Paid:
2. MttmttyFees SAMUEL L. ANDES $5,000.00
3. FamIy EllImption: (f dececlerts address is not !he 8lIll8. clainarts, 8Ilach expInlIon)
CIaImtri
Street Address
cay State ZIp
ReIatla1sh/p rl CIaInllIlt to Dec:edtn
4. Prcbale Fees Register of Wills $310.00
5. Acau1Iarts Fees
6. Tax RetLm Prepnr's Fees
7.
Cumberland Law Journal (advertising) $75.00
The Sentinel (advertising) $129.77
Clauser Real Estate (appraisal fee) $350.00
TOTAL (Also erter on line 9, Recapitulation) $ 6,794.77
SlFPM2021F.12
(If more space is needed, Insert additional sheets of the sane size)
~
REV-1512 EX + (1-117) (I)
CCI.t.tON'ftfALTH OF PEHNSYLINM
tHRITANCETAX RETURN
RESIEHT DECEDENT
SCHEDULE I
DEBTS OF DECEDENT,
MORTGAGE UABlUTIES, & UENS
ESTATE OF
Leach, Elizabeth S.
FILE NUMBER
21-06-0704
Include InIImbI.ned IIIICIcaI ~-
ITEM
NUMBER
1. PPL (electric service)
DESCRIPTION
AMOUNT
$239.51
2. Borough of Lemoyne (sewer and refuse)
3. W.S. Carey (electric repair)
4. Verizon (phone service)
5. American Home Patient
6. Comcast (cable service)
7. Faith Nicola (real estate tax)
8. Faith Nicola (personal tax)
$196.80
$383.56
$109.60
$86.37
$113.14
$1,315.07
$31.00
STFPM2021F.13
TOTAL(AIsoerteron One 10. Recapitwmon) S 2,475.05
(If more spa:e is needed, insert lKlditional sheets rllhe Slm8 size)
REv-1513 EX;' (9-00)
COMMOrMt:ALTH OF PENNSYIlMA
IItiERfW<<:E wt RETURH
RESIEfT DECEDENT
ESTATE OF .
Leach, Elizabeth S.
SCHEDULE J
BENEFICIARIES
RElATIONSHIP TO DECEDENT AMOUNT OR SHARE
NUMBER ~ AND ADDRESS OF PERSON(S) RECEIVING PROPERTY Do Not LIst Trusf8e(s) OF ESTATE
L TAXABlE DISTRIBUTIONS [include outright spousal dstributioos, lI1d transfers
l.Ilder Sec. 9116 (a) (1.2)]
1. David J. Leach son 50%
2328 Berryhill Street
Harrisburg, PA 17104
2. Samuel R. Leach son 50%
917 Walnut Street
Lemoyne, PA 17043
ENTER 00lLAR AMOUNTS FOR DISTRIBUTIONS SHOWN N3CNE ON UNES 15 THROUGH 18, AS APPROPRIATE, ON REV-1500 COVER SHEET
n. ~ TAXABLE DISTRIBUTIONS:
A SPOUSAl DISTRIBUTIONS UNDER SECTION 9113 FOR WHICH AN ElECTION TO TAX IS NOT BEING MADE
1.
none
B. CHARITABlE AND GOVERNMENTAl.. DISTRIBUTIONS
1. none
TOTAL OF PART U - ENTER TOTAl.. NON- TAXABLE DISTRIBUTIONS ON UNE 13 OF REV-1500 COVER SHEET $ 0.00
FILE NUMBER
21-06-0704
Of more space is needed, Insert additional sheeIs of the Bne size)
8TFPM2021F.14
APPRAISAL OF REAL PROPERTY
LOCATED AT:
527 Walnut 5t
Deed Book 0023X,16A Page 00301, 50
lemoyne, PA 17043-1547
FOR:
The Estate of Elizabeth S. leach
527 Walnut Sl
lemoyne, PA 17043
AS OF:
7-21-06
BY:
Dennis l. Stover
PA Certified Residential Real Estate Appraiser
Certification Number Rl 138906
Clauser Real Estate Appraisals
PO Box m
Camp Hili, PA 17oo1-<lm
Form GAt - "WinTOTAl' appralsal software by a la mode,lnc. -t-800-AlAMODE
lliQilTI
BorrowerfCnenl NA Ale No. lHl811 R-1
PrODSrIv Address 527 Walnut 5t
CiiV Lemovne County Cumberland State PA liD Code 17043-1547
Lender The Estate of Elizabeth 5. Leach
TABLE OF CONTENTS
Gover Page .......................................................... ............................................................................................................................................................. 1
Summary 01 Salient Features .............................................................................................................................................................................................. 2
USPAP k1entlllcalion ......................................................................................................................................................................................................... 3
URAR .............................,................................................................................................................................................................................................... 4
Property HlsIoIy 01 Subject Property ................................................................................................................................................................................. 6
Subject Photos ................................................................................................................................................................................................................... 7
BuDding Sketch (Page -1) ................................................................................................................................................................................................. 8
Comparable Photos 1-3 ..................................................................................................................................................................................................... 9
Location Map ..................................................................................................................................................................................................................... 10
Intended Use ......................................................................................................................... ............................................................................................. 11
Appraisal Addendum - Special Conditions .......................................................................................................................................................................... 12
Statement 01 LImiting Conditions ....................................................................................................................................................................................... 13
Electronic Slgnal1lrre Compliance ....................................................................................................................................................................................... 15
Certificate ........................................................................................................................................................................................................................... 16
Invoice .............................................................................................................................................................................................................................. 17
Form TOCNP - 'WIOTOTAL' appraisal software by a Ia mode, Inc. -1-800-ALAMOOE
I PaQe #21
SUMMARY OF SALIENT FEATURES
Subject Address 527 Walnut St
Legal Description Deed Book OO23X,16A Page 00301, 50
City Lemoyne
~ County Cumber1and
State PA
Zip Code 17043-1547
Census Tract 42041-0106.00-1
Map Reference 25420
Sale Price $NA
Date of Sala NA
Borrower/Cnent NA
Lender The Estate of Elizabeth S. Leach
Size (Square Feet) 1,256
Price per Square Foot $
Location Suburban
Age 56
Condilioo Avg
Total Rooms 5
Bedrooms 3
Baths
AppraIser Dennis L Stover
Date of Appralsed Value 7-21-06
Anal Estimate of Value
$ 133,000
Form SSD - 'WinTOTAL' appraisal sottwara by a Ia mode,lnc. -l-BOO-ALAMODE
GEORGE CLAUSER
1 Paoe #31
Barrawer NA File No. 6-0811 R-1
ProDertv Address 527 Walnut St
Cilv Lemovne Countv Cumberland State PA lin Code 17043-1547
Lender/Client The Estate of Elizabeth S. Leach
APPRAISAL AND REPORT IDENTIFICATION
This Appraisal Report Is lIIll! of the follOwing types:
I o Self Contained (A written repart prepared under Standards Rule 2-2(a) ,persuant to the Scope 01 Wol1<. as disclosed elsewhere in this repart.)
o Summary (A written report prepared under Standards Rule 2-2(b) ,persuant to the Scope 01 Work, as disclosed elsewhere In this report.)
o Restricted Use (A written report prepared under Standards Rule 2-2(c), persuant to the Scope 01 Wol1<. as disclosed elsewhere in this report,
restricted to the stated Intended use by the specified client or Intended user.)
Comments on Standards Rule 2-3
I certify tha~ to the best 01 my knowledge and belle!:
. The statements oIlact contained In this report are true and COlTect
. The reported analyses, opinions, and conclusions are limited only by the reported assumptions and limiting concfilions and are my personal, Impartial, and unbiased professional
analyses, opinions, and conclusions.
.1 have no (or the specllled) present or prospective Interest In the property that Is the subject 01 this report and no (arthe specllled) personal Interest with respect to the parties
Involved.
. I have no bias with respect to the property that Is the subject 01 this report or the parties involved with this assignment
. My engagement In this assignment was not contingent upon developing or reporting predetermined results.
. My compensation lor complBUng this assignment Is not contingent upon the development or reporting 01 a predetermined value or diection In value that lavors the cause
of the cll~ the amount 01 the value oplnlon, the attainment 01 a stipulated result, or the occurrence 01 a subsequent event directly related to the intended use 01 this appraisal.
. My analyses, opinions and conclusions were developed and this report has been prepared, In confonnlty with the UnllolTn Standards 01 Professional Appraisal PracUce.
. I have made a personal inspection of the property that Is the subject of this report.
. No one provided slgnlllcant real property appraisal assistance to the person signing Ihfs cerUllcaUon. (II there are exceptions, the name 01 each individual providing slgniflC3nt
real property appraisal assistance Is stated elsewhere In this report)
Comments on Appraisal and Report Identification
Note any USPAP related Issues requiring disclosure and any State mandated requirements:
SCOPE OF WORK
The seoDe of work for this aooraisal is defined bv the comolexitv of this aooraisal assinnment and the r"""'rtltv'l rAnuirements of this aooraisal
fonn includino the definition of market value a statement of assumolions and Iimitlno condillons and certlflcations. The ar>nl'l'liser has at a
minimum: f1 \ oerformed a comolete visual insoectlon of the interior and exterior areas of the sublact ~~ 12\ insnAt'fed the nelohborhood
f3\ InsnArled each of thecomNlrable sales from at least the street. 14\ researched verified and analYzed data from reliable oublic and/or
orivate sources and /5\ has retv'lrted his analYsis ooinions and conclusions in Ihis anr=isal reoort
The aooraisal is based on the information oathered bv the aOOl'Aiser from !lUblic records other identified sources InsOAr.tinn of the sub' act
orooertv and nalahborhood and selectlon of comOArable sales within the Suhiact market area. The oOOlnal source of the comoarables Is
shown in the Data source sectlon of the market arid alotv'l with the source of confirmation if available. The orIoina! source is oresented first
The sources and data are considered reliable. When confIictino information was orovlded the source deemed most reilable has been used.
Data believed to be unreliable was not included in the reoort nor used as a basis for the valuation conclusion.
APPRAISER: SUPERVISORY APPRAISER (only" required):
Signature: ~J. sI= Signature:
Narne: Dennis L. Stover Name:
Data Signed: 8-24-06 Data Signed:
State C8IlIlIcaIIon #: PA State Certified Residential Real Estate Apprais State CerUllcaUon #:
or StaIB Ucense #: Certification Number: RL 138906 or State LIcense #:
State: PA State:
Expiration Date 01 Certiflcation or License: 6mJ/2007 ExpIration Date 01 CBI1lllcation or Ucense:
SupervIsory AppraIser InspecUon m Subject Property:
E1fBCtive 0atB 01 Appraisal: 7/21/06 o Old Not 0 ExIerIor-only from s1reet 0 interior and ExlBrior
Form 1006 - 'WinTOTAL' appraisal software by a la mode, inc. -1-800-AlAMOOE
GEORGE CLAUSER
I Paoe #41
Summary Report
File No. 6-0811 R-1
ProIlfll1v Address 527 Walnut St CiIv Lemovne Stale PA ZIo Code 17043-1547
Leoal OescriDtlon Deed Book oo23X 16A Pace 00301 50 COUnlv Cumberland
Assessor's Parcel No. 12-21-0267-066 TaxVear 05-06 R.E. Taxes S 1 722 Slll!OlaI AssessmBllls S NA
Bonower NA Current Owner The Estate of Elizabeth S. Leach Occuoant 15<1 Owner n Tenant rl Vacant
Prooertv rlohIs aooralsed IXI Fee Slmole I Leasel10ld Prolecl Tvoe I I PUD I I Condominium CHUDN A onlvl HOA S NA /Mo.
Nelnhborhood or Profecl Name Lemovne Borouah MaD Reference 25420 Census Tract 42041-0106.00-1
Sale PrIce S NA Date of Sale NA Descrinllon and S amoont of loan charneslconcesslons 10 be naId hv seier NA
LenderlCllent The Estate of Elizabeth S. Leach Address 527 Walnut St Lemovne. PA 17043
Anoraiser Dennis L. Stover Address P. O. Box 777 Camp Hill PA 17001-0777
Location U Urban ~ Suburban U Rural Predominant ~la"l8lDIIY no~~~ Present land use % Land UIe change
BuiK up o Over 75% IZI 25-75% 0 Under 25% occupancy $(000) (yrs) One famJly ---12- o Not likely o Ukely
Growth rate o Rapid IZI Stable o Slow IZI Owner ~ Low ~ 2-4famlly ~ IZIIn process
Properly values [gJ Increasing 0 Stable o Declining o Tenant 850 Hlah 250 Multi-family ~ To: vacant land to
DemarnVsupply IZI Shortage 0 In balance 0 Over supply IZI Vacant (().5") _Predomlnant_ Commercial 5 residential develooment
Markelioo1lme ~ Under 3 mos. Fi 3-6 mos. Fi Over 6 mos. n Vac.lover 5"\ 145 25 I Vacant 15
1I0te: Rece end the "'clal composition of ,he neighborhood ara not appraisal factors.
Neighborhood boundaries and characteristics: The subiect neiohborhood consists of the Borouah of Lemovne in Cumberland Counlv. PA.
-
- Factors 1haI affect the mar1<etabi1lly 01 tha properties In tha neighborhood (proximity 10 employment and amenities, employment stability, appeal 10 mar1<eI, etc.):
Shooolna. schools and churches are located within 5-10 minutes of the property. Full service shonninn Is available at the Camp Hill and
.. Caoltal Citv malls annrnximatelv 10-15 minutes. Public school students attend the West Shore School District Emolovment centers are
located in Harrlsburo. Camn Hill York and Mechanicsburo.
MaJl<et conditions In tha subject neighborhood Oncluding support for tha above conclusions related 10 tha trend of properly values, demand/supply, and marketing lime
- such as data on competitive properties for sale In the neighborhood, description of the prevalence of sales and financing concessions, etc.):
Market conditions In the subiect nelohborhood are considered moderatelv actlve with low morto""e interest rates belno the Prlmarv catalvst
Sales In recent weeks have been moderatelv actlve. Aooroximatelv 5 houses of varfous sMes are for sale within 5 miles and are in comoetltlon
with the subiect Tvnlr.... financina for residential properties includes 80% to 90% loan 1-3ooints 5.5-6.5% mortaaoe interest rates for uo to 30
I vears. TvoIcal marketlna time is between 90 and 180 dall<:.
- Profecllnformlllon for PUDa (U applicable) - -Is the developer/bUilder In control of tha Home Owners' Association (HOA)? U Yes U No
Approximate totaJ number 01 units In 1I1e subject project ApproxImate totaJ number of units for sale In the subject project
Descr1be common elements andrecreatlonallacllJlles:
Dlmenslons lot 1 216.8x40.56x202.2x50' Lot 2193.52x24.12x202.2x22.5 Topography Rises from street
sne area Lot 1 2.2 Acres;' Lot 2. .11 acres Comer Lot 0 Ves IZI No Size Ava
Specific zoning classlficallon and description SR Suburban Residential Shape Irreaular
Zoning compHance IZI Legal 0 Legal nonconfonning (Grandfathered use) 0 Illegal o No zoning Drainage AVa
HI""""I & best use as lmnrrNed:rXf Present use n Other usa (emlainl View Ava
UtllllIas PubHc Other 0II-sIIa Improvements Type Public Private landscaping Ava
Electricity IZI Street Macadam IZI 0 Driveway Surface Macadam
Gas DNA Curb/gutter Concrete IZI 0 Apparent easements None Known
Water IZI Sidewalk Concrete IZI 0 FEMA Special Rood Hazard Area OVes IZI No
Sanitary sewer IZI Streetlights Incandescent .~ R FEMA Zone C Map Date 12/411979
Storm sewer 15<1 AAev None FEMA Man No. 4203610001 B
Comments (apparent adverse easements, encroachments, special assessments, slide areas, iIegaI or legal noncontonnlng zoning usa, etc.): There are no
epparent easements encroachments soecial assessments slide areas or llleaal or leaal nonconformina uses known.
GENERAl DESCRIPTION EXTERIOR DESCRIPTION FOUNDATION BASEMENT INSUlATION
No. 01 Units One foundation ConcrBlock Slab 0 Anla Sq. FI. 1256 Roof _0
No. of Stories One EliIerforWalls Aluminum Crawl Space 0 % finished 0% CelAng ~ IZI
Type (DeI.JAIL) Detached Roof Surface FGlShnal Basement 100% Ceiling Concrete WaRs ~ IZI
Design (Slyle) Ranch Gutters & Ownspts. Aluminum Sump Pump None Walls Block Roor ~ IZI
ExIstfnWProposed Existlna Window Type DblHuna Dampness No Evidence Roar Concrete None _ 0
Age (Yrs.) 56 Stomvscreens Screens Settlement No Evidence Outside EnlIy None Unknown_ 0
Effective AIle IVrs.1 15 Manufactured House No Infestation No Evidence Floor DrainIToilet
ROOMS Faver LMM DinlM Kitchen Den FamHv Rm. Rec. Rm. Bedrooms # Baths LaundN Other Area Sn. FI.
Basement Stor/Mech 1256
Levell 1 1 3 1 1256
Level 2
Rnished area m- orade contains: 5 Rooms' 3 Bedroomlsl' 1 Bath S' 1256S lUll Feel of Gross UvInn Area
INTERIOR MalBriaWCondlllon HEATING KITCHEN EQUIP. ATTlC AMENI1ItS CAR STORAGE:
Floors Cpt Ava Type FWA Refrfgerator 0 None 0 FIrepIace(s) # ~ 0 None 0
Walls Plaster Poor Fuel Oil Range.IOven IZI SIalrs 0 PatIo NA 0 Garage # of cars
TrlnVRnlsh Wood Ava Condltlon Ava DIsposal IZI Drop StaIr IZI Deck NA 0 Allached 1+ Car
Bath Floor Carnet Avo COOUNG DIShwasher IZI Scutlle 0 Pon;h Enclose Side IZI Detached NA
Bath Wainscot Rberolass Ava Central CA FarVHood IZI Floor 0 Fence NA 0 Buill-In NA
Doors Wood Ava Other CFan Microwave 0 Heated R Pool NA .R Carport NA
CondJIIon Ava Washer/l'lrver Fi An/shed Oriveway 3 Cars
Additional features (special energy efficient nems, etc.): 40 Gallon e1ectrlc hot water heater. Unheated sunroom above oaraae.
Condlllon of the Improvements, depreclallon (physical, functional, and extemal), repairs needed, quaIIIy of conslrUctlon, rernodelingJaddillons, etc.: Subiect is a
ranch sMe dwelUna In avel'aoe condition. Phvslcal; o..nn."iation due to aae and condition. Functlonat: None External: No adverse Iocational
features noted. This I'AfV'Irt Is NOT a home Inspection and the annNIlser on a vlsuallnsoeclion of accessible area and that the
aooraisal cannot be relied uoon 10 disclose condftions and/or defects in the orooertv.
Adverse environmental conIIIIons (such as, but not limited 10, hazardous wastes, toJdc substances, etc.) present In tha Improvements, on the site, or In the
immediate vicinity of tha subject properly.: None Known - appraiser is not aualified to detect such substances. If the house is sold termite and
radon certifications are suaaested. Houses buiK before 1978 may contain lead base oaln!.
UNIFORM RESIDENTIAL APPRAISAL REPORT
Freddie Mac Fonn 70 8193
PAGE 1 OF2
Form UA2 - "WinTOTAL' appraisal software by a fa mode, inc. -l-llOO-AlAMODE
fannie Mae Fonn 1004 8r'93
v u
ESTIMATED SITE VAlUE .......... ... ....... ................ ..... ......= $
ESTIMATED REPRODUCTION COST-NEW-OF IMPROVEMENTS:
Dwelling 1.256 Sq. R. @$ = $
1 256 Sq. R. @$
.......= $
Functional ExlemaJ
=$
136 000
'. ....,.~
+ - $ usl + -$ sl
-500
+5000
+2 500 +2 500
-5 000
-10000 -10000 -10000
Baths :
-2,500
+2 670 +1 360 -150
-2 000 +5 000
+3 000
+2 000 +2000
-2 000
-3 650
132 350
. - " "";"~~ . ~
~ ;c..;::-' '~""l" ~ 1
, . -'. "1 1 ;;:'';l;~~f!i'~3
: ~ . J 1-~ft~}~~:~i-{'4
ITEM SUBJECT
Dale, PrIce and Data Not In the last
Source, lor pOor sales three years.
within ar of a . aI CCT AO
Analysis of any current agreement of saJe, option, or listing 01 subject property and analysis 01 any pr10r sales 01 subject and cornparables within one year 01 the date of appraisal:
The su Is not currentl offered for sale or under an reernent of sale. No . or sales within three ears.
COMPARABLE NO. 1
Not in the last year.
MlSlSTEB
COMPARABlE NO. 2
Not in the last year.
MlSlSTEB
COMPARABlE NO. 3
Not in the last year.
MlSlSTEB
133 000
Is deemed most
The ptJIJlOSe of this apprasalls to estimale the market value of the real property that Is the subject 01 this report, based on the above conditions and the cerliflcaJlon, contingent
and UmIIlng condIIIons,lI1d III8Ikel value deIlnIIlon thai are stated In the a1lached freddie Mac Form 4391FNMA loon 10048 (Revised
J (WE) ESlIMATE THE IlARKET VAlUE, AS DEFINED, OF THE REAL PROPERlY THAT IS THE SUBJECT OF THIS REPORT, AS OF
(WHICH IS THE DATE OF INSPECTION AND THE EFFECTIVE DATE OF THIS REPORl)TO BE $ 133.000
APP~ s-l:: SUPERVJSORY APPRAISER(OHlY IFREOUIRED):
SIanalur8 1. Slanalu18
NMlll Dennis L Stover Name
Date Reoort Slaned 8-24-06 Date R S
State Celllllcation # PA State Certified Residential Real Esb State PA State Certificatioo #
Or State Ucense # Certification Number. Rll38906 State PA Or Stale Ucense #
freddie Mac Fonn 70 6193 PAGE 2 OF 2
Fonn UA2 - "WInTOTAl' appraisal soItware by a la mode,lnc. - 1-80O-AlAMODE
6-93 ).
7-21-06
o Did 0 Old Not
Inspect Property
State
State
FamIe Mae Fonn 1004 6-93
GEORGE CLAUSER
1 PaGe #61
Grrower NA
'mnem Address 527 Walnut 5t
;itv Lemovne
ender The Estate of Elizabeth 5. Leach
Rle No, 6-0811 R-1
Countv Cumberland
State PA
Zin Code 17043-1547
PROPERTY HISTORY OF SUBJECT PROPERTY
In developing a real property appraisal, when the value opinion to be developed Is market value, an eppralser must, If such
Infoonatlon Is available to the appraiser In the normal course of business:
(a) analyze all agreements of sale, options, or listings of the subject property current as of the effective date of the appraisal.
(b) analyze all sales of the subject property that occurred within the three (3) years prior to the effective date of the appraisal.
The appraiser has attempted to obtain specific Infoonation on the subject property with the following findings:
~ The subject property has had no change of ownership In the past three (3) years.
~ The subject property has had no change of ownership In the past five (5) years.
o The subject property Is currently under contract. Details of the pending purchase are summarized below.
o The subject property Is currently offered for sale: The listing price Is $
o The subject property has been sold In the past three (3) year period. Details of the previous sale(s) are disclosed below.
SaI~ecordlna Date Sales Price Llst/Asklno Price Grantor/Grantee Data Source
o The subject property Is proposed construction and Is not currently being offered.
o A previous sales history of the subject property could not be obtained by the appraiser In the normal course of business.
Comments:
Foon PHS2 - 'WlnTOTAl' appraisal softwara by a la made. inc. -l-800-ALAMOOE
Subject Photo Page
Cou Cumberland
State PA
Zi Code 17043-1547
SUbject Front
527 Walnut SI
Sales PrIce
Gross UvIng Area
Total Rooms
Total Bedrooms
Total Bathrooms
localIon
VIew
Site
Quality
Age
Form PICPIlCSR - 'WinTOTAl' applllisal software by a la mode, Inc. -1-8OQ..AlAMOOE
NA
1,256
5
3
1
Suburban
Avg
.33 Acres
Avg
56
Subject Rear
Subject Street
I Paae #71
1 Paae #81
Borrower/Client NA
Prooertv Address 527 Walnut 5t
City Lemovne Countv Cumberland Slate PA liD Code 17043-1547
lender The Estate of Elizabeth S. Leach
Building Sketch
527 WALNUT ST.
FIRST FLOOR
22.11
ENe 16.11
BEDROOM goRCH
~ SUN ROOM
10.11 b b
N l::i
'"
BATH
b KITCHEN 16.0'
~ EDRooM
~
'"
BEDROOM LIVING ROOM
BASEMENT
22.11
b
~
10.11
18.11
CAR GARAG
b b
l::i l::i
b
~
STORAGE
MECHANICAlS
18.11
q
;;;
32.11
32.0'
NOT EXACT AND NOT TO SCALE
SMIllIIbrA,.lV- .
Comments:
QL&1
BlIH'l'
GIUl
J'i.r.'t. J"loor
Ila_t:
At:tacbed Garage
1256.0
1256.0
352.0
1256. 0
1256.0
352.0
Floret rlooJ:'
31.0" 32.0
12.0" 22.0
992.0
264.0
Net LIVABLE Area
(Rounded)
1256
2 Items
(Rounded)
1256
Form SKT.BldSkI- 'WInTOTAl' appraisal software by a la mode, inc. -l.800-AlAMOOE
Comparable Photo Page
I Paoe #91
Borrower/Client NA
I PrMertv Address 527 Walnut St
City Lemovne County Cumberland Stale PA Zin Code 17043-1547
Lender The Estate of Elizabeth S. Leach
Comparable 1
551 Wahon SI.
Prox. to Subject
Sale Price
Gross Uvlng Area
Total Rooms
Total Bedrooms
Total Bathrooms
location
View
Site
Quality
Age
0.78 miles SE
139,000
1,078
6
3
1
Suburban
Equal
.19 Acres
Avg
51
Comparable 2
841 Bosler Ave.
Prox. to Subject
Sale Price
Gross lMng Area
Total Rooms
Total Bedrooms
Total Bathrooms
location
View
Site
Quality
Age
0.36 miles S
137,000
1,164
6
3
2
Suburban
Equal
.13 Acres
Avg
16
Comparable 3
885 Pennsylvania Ave.
Prox. to Subject 0.38 miles SW
Sale Price 136,000
Gross lMng Area 1,266
Total Rooms 6
Total Bedrooms 2
Total Bathrooms 1
loca1loo Suburban
VI8W Equal
Site .26 Acres
QuaJity Avg
Age 86
form P1CPDtCR - 'WInTOTAl' appraisal so/tware by a la mode, Inc. -l-800-AlAMOOE
Borrower/Client NA
ProDertv Address 527 Walnut 5t
CiiV Lemovne Countv Cumberland Slate P A liD Code 17043-1547
lender The Estate of Elizabeth 5. Leach
Location Map
I PaQe #101
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Fonn MAP.lOC - "WInTOTAl' appcalsal software by a fa mode, inc. -l-800-AlAMOOE
NA
Pron..rtv Address 527 Walnut St
CiIv Lemovne Gountv Cumberland State PA n;; Gode 17043-1547
" And... The Estate of Elizabeth S. Leach
Intended Use
/Paoe#ll/
Ale No 6-0811 R-1
INTENDED USE
The intended use of this appraisal report is for the lender/client to evaluate the property that is the subject of this appraisal to
establish a fair market value.
INTENDED USER
The intended user of this appraisal report is the lender/client.
SCOPE OF WORK
The scope of work for this appraisal is defined by the complexity of this appraisal assignment and the reporting requirements
of this appraisal form, including the following definition of market value, statement of assumptions and limiting conditions, and
certifications. The appraiser must, at a minimum: (1) perform a complete visual inspection of the interior and exterior areas
of the subject property, (2) inspect the neighborhood, (3) inspect each of the comparable sales from at least the street, (4)
research and verify, and analyze data from reliable public anellor private sources, and (5) report his or her analysis, opinions,
and conclusions in this appraisal report.
EXTENT OF APPRAISAL PROCESS
The appraisal is based on the information gathered by the appraiser from public records, other identified sources,
inspectfon of the subject property and neighborhood, and selection of comparable sales within the subject market area. The
original source of the comparables is shown in the Data source section of the market grid, aiong with the source of
confirmation, If available. The original source is presented first The sources and data are considered reliable. When
conflicting information was provided, the source deemed most reliable has been used. Data believed to be unreliable was
not included in the report, nor used as a basis for the valuation conclusion.
SOURCE OF THE DEFINITION ON MARKET VAlUE
USPAP, 2005 Edition
This definition is from regulations published by federal regulatory agencies pursuant to Title XI of the FinanciallnstitutJons
Reform, Recovery and Enforcement Act (FIRREA) of 1989 between July 5, 1990 and Augusl24, 1990, by the Federal
Reserve System (FRS), National Credit Union Administration (NCUNA), Federal Deposit Insurance Corporation (FDIC), The
office of Thrift Supervision (OTS), and the Office of the Comptroller of the Currency (OCC). This definition is also referenced
in regulations jointly published by the OCC, OTS, FRS, and FDIC on June 7, 1994, and in the Interagency Appraisal and
Evaluation Guidelines, dated October 27, 1994.
Fonn SUP - 'WinTOTAl' aPPlaisal soIIware by a Ia mode, inc. -l-800-ALAMOOE
NA
P;;;;;;;;;;;- Address 527 Walnut 5t
Cilv lemovne Countv Cumberland Slate PA Zin Code 17043-1547
lender The Estate of Elizabeth S. leach
Special Conditions
I Paoe #121
File No 6-0811 R-1
SPECIAL CONDITIONS ADDENDUM
The following checked items are specific special conditions that were identified by the appraiser during the inspection of the
subject property, the incomparable sales, and their neighborhoods and locations.
1. The subject is located in a rural area and is less than 25% built-up. The condition is
typical and common for the area and DOES NOT affect the market value.
_X_ 2. Commercial uses are located within the subjecfs neighborhood. These uses are typical
of similar neighborhoods and DO NOT affect the market value.
_X_ 3. Industrial uses are located within the subjecfs neighborhood. The presence of
industrial uses, is typical for the neighborhood and DOES NOT affect the market value.
_X_ 4. Vacant and underdeveloped land uses are located within the subject's neighborhood.
These uses are typical for the area and DO NOT affect the market value.
5. The predominant value in the neighborhood is less than that of the market value of the
subject property. This condition is due to the superior qualities of the subject
property as described in this report. This condition DOES NOT affect the market value.
6. The subject property Is located in a F. I. A. Identified Flood Zone.
7. Dampness is noted in the basement of the subject. Standing or running water was not
present on basement floor.
_X_ 8. The subject Is older than five(5) years old. All mechanical systems including the
heating, electrical and plumbing system appears upon a visual exterior inspection to
be in working order. No warranties are implied in this statement
9. The electrical system was not connected during inspection.
_ 10. The water service was not connected during inspection.
_ 11. The healing system was shut down d~ring inspection.
_ 12. Well and septic are common to the area.
- 13. Repair items were noted in the comments section of the report. These comments on
repair items are for descriptive purposes only and are not required repairs. The
repair items are cosmetic in nature and DO NOT affect the market value.
- 14. Subject Is new construction and wes 90% comp/eted on date of inspection. Compliance
and completion inspections suggested prior to settlement.
_X_ 15. Should property be sold, termite and radon certifications are suggested, with appraised
value based on clear results.
- 16. The land value exceeds 30% of total value due to the high demand for vacant land in
this neighborhood. This condition is considered common and typical for the
neighborhood and DOES NOT affect the market value.
- 17. The land value exceeds 30% of total value. This is due to the large size.ot the site.
this condition Is considered to be typical and common and DOES NOT affect there market
value.
- 18. Indivldual adjustments were required that exceed 10%. These adjustments were required
due to the lack of more similar comparables on that individual rating. All three
comparables are the BEST AVAILABLE.
- 19. Total adjustments exceed 15%. This is due to the lack of comparables on that individual
rating. All three comparables are the BEST AVAILABLE.
_X_ 20. One or more comparable sales are older than six(6) months old. Although there are
comparable properties In the subject area, none have sold recently, therefore, sales
in excess of six (6) months old had to be used.
- 21. One or more of tha comparables used were in excess of 0ne(1) mile from the subject
property. Although there are comparables in the Immediate area, none have sold
recently. Therefore, it was necessary to use comparable sales outside of the
immediate area. All comparables used are located In similar neighborhoods and within
the same marketing area. All three comparables used ware the BEST AVAILABLE.
_ 22. Roofing certification is suggested.
_ 23. Plumbing certification Is suggested.
_ 24. Bectrical certificatlon Is suggested.
_ 25. Heating certltlcatlon is suggested.
_ 26. Flood Hazard Insurance Is suggested.
- 27. Seller Is paying part or all of closing cost. This DOES NOT affect the market value.
-X_ 28. All comparable sales are closed sales.
_X_ 29. The subject property has not transferred In the past three years..
_X_ 30. This appraisal is a Summary Report with complete data retained In appraisal file.
Form SUP - 'WIIlTOTAL' appraisal software by a Ia mode, inc. -1.BOO-ALAMOOE
l Page #131
DEFINlnON OF MARKET VALUE: The most probable price which a property should bring In a competitive and open market under aU condlthlns
requistte to a fair sale, the buyer and seller, each acting prudenUy, knowledgeably and assuming the price Is not affected by undue stimulus. Impllclt In this
definition Is the consummation of a sale as of a spectiled date and the passing of title from seller to buyer under condltlons whereby: (1) buyer and seller are
typically motivated; (2) both parties are weR Informed or well advised, and each acting In what he considers his own best int8rest; (3) a reasonable time Is allowed
for exposure in the open market (4) payment Is made in terms of cash In U.S. dollars or in terms of financial arrangements comparable thereto; and (5) the price
represents the noonal consideration for the property sold unaffected by special or creative financing or sales concessions' granted by anyone associated wtth
the sale.
. Adjustments to the comparab/es must be made for special or creative financing or sales concessions. No adjustments are necessil/}'
for those costs which are normally paid by seBers as a resuR 01 lradltlon or Jaw In a market area; these costs are readily Identifiable
since the seller pays these costs In Virlually all sales lransactlons. Special Dr creative financing adjuS1ments can be made to the
comparable property by comparisons to financing lerms ofiered by a third party institutional lender that Is not already involved In the
property Dr lransacflon. Any adjustment should not be calculated on a mechanical dollar for dollar cost of the financing or concession
but the dollar amount of any adjustment should approximate the markers reaction to the financing or concessions based on the
appraiser's judgement.
STATEMENT OF LIMITING CONDITIONS AND APPRAISER'S CERTIFICATION
CONTINGENT AND LIMITING CONDITIONS: The appraiser's certification that appears In the appraisal report Is subject to the following
condltlons :
1. The appraiser win not be responsible for matters of a legal nature that affect either the property being appraised or the title to It. The appraiser assumes that
the title Is good and marketable and, therefore, wiD not render any opinions about the title. The property Is appraised on the basis of tt being under responsible
ownership.
2. The appraiser has provided a sketch In the appraisal report to show approximate dimensions of the Improvements and the sketch Is Included only to assist
the reader of the report in visualizing the property and understanding the appraiser's determination of tts size.
3. The appraiser has examined the avallable flood maps lhat are provided by the FederaJ Emergency Management Agency (or other data sources) and has noted
in the appraisal report whether the subject sUe is located In an Identified Special Flood Hazard Area. Because the appraiser Is not a surveyor, he or she makes
no guarantees, express or Implied, regarding lhIs determination.
4. The appraiser will not give Ieslimony or appear In court because he or she made an appraisal of the property In question, unless spectilc arrangements to do
so have been made beforehand.
5. The appraiser has estimated the value of the land in the cost approach at tts highest and best use and the improvements at their conbibutol}' value. These
separate valuations of the land and imJlIUvements must not be used in conjunction with any other appraisal and are invalid U they are so used.
6. The appraiser has noted In the appraisal report any adverse conditions (such as, needed repafrs, depreclalfon, the presence 01 hazardous wastes, Ioxic
substances, etc.) observed during the inspeclfon of the subject property or lhat he or she became aware 01 during the normal resean:h lllvolved In peIformjng
the appraisal. Unless otherwise slated In the appralsaJ report, the appraiser has no knowledge of any hidden or unapparent conditions of the property or
adverse environmental cOlldlllons (IncWng the presence of hazardous wastes, toxic substances, etc.) that would make the property more or less valJabIe, and
has assumed lhat there are no such condltlons and makes no guarantees or warranties, express or implied, regarding the condition 01 the property. The
appraiser will not be responsible for any such conditions that do exist or for any engineering or testing lhat might be required 10 discover whether such
condIUons exist Because the appraiser Is not an expert In the field of environmental hazards, the appraisal report must not be considered as an
envfronmental assessment of the property.
7. The appraiser obtalned the 1nIonnatIon, estimates, and opinions lhat were expressed In the appraisal report from SOUlt8S lhat he or she considers to be
reRable and believes them to be lIoe and correct The appraiser does not asSlllll8 responsibBIIy for the accuracy of such Kerns lhat were furnished by other
parties.
8. The appraiser Will not disclose the contents of the appraisal report 8llC8pt as provided for In the UnUorm Standards of Protesslor1al Appraisal Practice.
9. The appraiser has based his or her appraisal report and valuation conclusion for an appraisal lhat Is subject to satisfactol}' completion, repairs, or
aIIerations on the assumptlon that compIelfon of 1he Improvements wll be performed In a WIlIlonanIika manner.
10. The appraiser must provide his or her prlor Written consent before the lender/client speclfled In the appraisal report can disbibute the appraisal report
Qncludlng conclusions about 1he property value, the apjn/ser's Identity and professional designations, and references to any professional appraisal
organizations or the firm with which the appraiser is associated) 10 anyone other than the borrower; the IIIOJtgagee or tts successors and assigns; the mortgage
Insurer; consultants; professional appraisal organizations; any state or federally approved IkI<v1clal k1stilu1lon; or any department, agency, or instrumentallly
of the UnIted States or any state or the Disbict of CoIumbla; 8llC8pt lhat 1he lender/Client may dlstribu1e the property description section 01 1he report only to data
collection or reporting servIce(sl without having 10 obtain the appraiser's prior Written consent. The appOOer's written consent and approval must also
be obtained before the apprafsal can be conveyed by anyone to the pubRc through advertising, pubic relations, news, safes, or other media.
Freddie Mac Form 439 6-93
Page 1 012
fannie Mae Form 1004B 6-93
GEORGE ClAUSER
Form ACR - 'WlnTOTAl' appraisal software by a la mode, inc. -1-800-AlAMODE
I Paae #141
APPRAISER'S CERTIFICATION: The Appralsercer1ifies and agrees that
1. I have researched the subject market area and have selected a minimum of three recent sales of properties most slmBar and proximate to the subject property
for consideration in the salas comparison analysis and have made a dollar adjustment when appropriate to reflect the mill1l8l reaction to !hose iI!lms of significant
variation. II a significant iI!lm in a comparable property Is superior to, or more favorable than, the subject property, I have made a negative adjustment to reduce
the adjusted sales price of the comparable and, II a significant ftem In a comparabla property Is Inferfor to, Dr less favorable than the subject property, I have made
a positive adjustment to Increase the adjusted sales pIIce of the comparable.
2. I have taken into consideration the factors that have an Impact on value in my development of the es1lmate of market value In the appraisal report. I have not
knowingly wtthheld any SignifICant information from the appraIsaJ report and I believe, to the best of my knowledge, that an statements and Information in the
appraisal report are true and correct
3. I stated In the appraisal report only my own personal, unbiased, and professlonaJ analysis, opinions, and conclusions, which are subject only to the contingent
and limiting conditions specified in this form.
4. I have no present or prospective Interest In the property that Is the subject to this report, and I have no presenl or prospective personal Interest or bias with
respBct to the participants In the transaction. I dfd nof base, efther partially or completely, my analysis anQ/or the estimate of market value In the appraisal report
on the race, color, religion, sex, handicap, faminal status, or national origin of efther the prospectiva owners or occupants of the subject property or of the present
owners or occupants of the properties In the vlclnfty of the subject property.
5. I have no present or contemplated future Interest In the subject property, and neither my current or future employment nor my compensation for performing this
appraisal Is contingent on the appraised value of the property.
6. I was not required to report a predetermined value Dr direction In value that favors the cause of the client or any related party, the amount of the value estimate,
the attainment of a specific result, or the occunrenca of a subsequent event In order to receive my compensation and/or employment for performing the appraisal. I
did not base the appraisal report on a requested minimum valuation, a specific valUation, or the need to approve a specific mortgage loan.
7. I performed this appraisal in conformfty with lhe Unllorm Standards of Professional AppraIsaJ Practice 1hat were adopted and promulgated by the Appraisal
Standards Board of The Appraisal Foundation and that were in place as of the effective date of this appraisal, with the exception 01 the departure provision of those
Standards, which does not apply. I acknowtedga that an estimate of a reasonable time for 8XpOSIJre In the open II13fIcet is a condition In the daflnition 01 markel value
and the estimate I developed Is consislenf with the marketing time noted In the neighborhood secUon of this report, unless I have olharwIse staled In lhe
reconciliation section.
8. I have personally Inspected the interior and exterior areas of the subject property and the exIeI10r of all properties Usted as comparables In the appraisal report.
I further certify 1hat I have noted any apparent Dr known adverse conditions In the subject Improvements, on lhe subject sil!l, or on any sJta wllhin lhe immediate
v1clnfty 01 the subject property 01 which I am aware and have made adjustments for lhase adverse condlllons In my analysis of the property value to lhe extent thai
I had market evidence to support them. I have also commented about the effect of the adverse condlllons on the m31ka1abi1lty of the subject property.
9. I personally prepared all conclusions and opinions about lhe real astata that were set forth In the appraIsaJ report . I reUed on signlficant protesslooal
assistance from any IndMdual or Inlivlduals in the performance of the appraisal or the preparation of the appraisal report, I have named such Indfvfdual(s) and
disclosed the specific tasks performed by them In the reconclUation section of lhIs appraisal report I cartlfy lIIat any IndMdual so named Is QUallItad to perform
the tasks. I have not authorized anyone to make a change to any iI!lm In the report; lharafore, K an unauthorized change Is made to lhe appraisal report, I will laJca
no responsibility for ft.
SUPERVISORY APPRAISER'S CERTlFICAnON: II a SUpervfsDly appraiser signed lha appraisal report, he or she c8rtiflas and agrees that:
I dlrec1ly suJl8lVise lha appraiser who prepared lhe appraisal report, have revfawed the appraisal report, agree with the slaIements and conclusions of the appraiser,
agree to be bound by the appraisa(s certlflcaIIons numbered 4 through 7 above, and am taking fuR responslblllty for lhe appraisal and the appraisal report.
ADDRESS OF PROPERTY APPRAISED: 527 Walnut St lemovne, PA 17043-1547
APPRAISER:
Signature: --:u L s-l::
Name: Dennis L Stover
Data Signed: 8-24-06
State Certiffcation #: PA Slate Certified Residential Real Estate Aooralser
or SlalB Ucense #: Certification Number: Rl138906
State: PA
Expiration Date 01 Cartifica1lon or license: 613012007
SUPERVISORY APPRAISER (only If required):
Signature:
Nama:
Data Signed:
Slate CartifIcaIion #:
or Slate license #:
Slate:
Expiration Date 01 CerIlIIcation Dr Ucense:
o Old 0 Did Not Inspect Property
Freddie Mac Form 439 6-93
Paga2of2
Fannie Mae Form 1004B 6-93
Form ACR - 'WIIlTOTAI.' appraisal software by a Ia mode, inc. -l-800-ALAMOOE
NA
PI'Illlf!r1v Address 527 Walnut St
CItv Lemovne Countv Cumberland State PA liD Code 17043-1547
Lend.. The Estate of Elizabeth S. Leach
Signature Compliance
I PaDe #151
Ale No. 6-0811 R-1
ELECTRONIC SIGNATURE COMPLIANCE
Wintotal and Projecl200Q are fully ASB (Appraisal Standards Board) compliant in their security. The signatures on this
report have not been altered in any way and the digital signatures are to be considered as original.
Form SUP- 'WInTOTAL' appraisal software by a la mode,lnc. -l-800-ALAMODE
Certificate
Caun Cumberland
Coniinc)l]wea:rtJ, of!:PenD'syIYllbia .
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DENNlS.L STOVER
$i5'ADaJA Sf
MJDDlETOWN.P1l. 17057
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\'P Thrivent Financial
for Lutherans™
Death Benefit Information
Mpls Settlement Option Contract: A5806223
Deceased: Elizabeth S Leach
Date of Death: 07/21/2006
Date Prepared: 11/06/2006
Claim Number: 376130
Death Benefit
Cost Basis
Taxable Gain
Total Death Benefit
$
$
$
19,103.46
1,798.86
20,902.32
Beneficiary Designation
Primary: David Leach, Children Born/Adopted, Samuel Leach, Children Born/Adopted
\'P Thrivent Financial
for Lutherans™
Death Benefit Information
Annuity Contract: B2976342
Deceased: Elizabeth S Leach
Date of Death: 07/21/2006
Date Prepared: 11/06/2006
Claim Number: 376130
Death Benefit
Cost Basis
Taxable Gain
Enhanced Benefit
Total Death Benefit
$
$
$
$
0.00
16,036.05
0.00
16,036.05
Beneficiary Designation
Primary: George Ray Leach, Grandchild(ren)-Named
1 of :r...emoyne, county
of tne BoJ: (
tl s. LE]>..c1l, ~. an declare this to
1., EL1. zJI,BE'! f pennsy'" '\1
d state 0 ously made by me.
OJIribeJ: land, an any ';'1ill 1?'
of d J:e'\101<.e >bts and funeral
. 11 an u'"
last ';'11- at all ~ j ,
be ~ diJ:ect tn ,11 expenses of my
1.tem 1.. 1. a'\1emaJ:1<.eJ: (
,ncluding ~ gJ: assessments imposed
es ~ d a~ ~ ta)te~
)tpens ' ......
e and anY an my death, whether
illness, s a J:eS\:
last .:<<., a
J:!IlUental bO....l otherwise shall be
bY anY go'\1e tniS ';'1i '
passing undeJ: ~s practicable after
pt:opeJ:tY tate as
on J:esiduaJ:Y eS the administration
f the e)tp
a paJ:t 0 ld all mortgages I may
yment 0
T'ne pJ:epa: estate armed by me,
deatn '
of ~ .all not be included
c()lfllt\e:
'dentia1. or :.em I of this my last
J:eS1-
contained
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decease as
mY
of ~ estate.
at tne time
na'\1e
';'1netneJ:
diJ:ection
in the
!queath all the rest,
, de'\1i
1. g1-'\1e, sions and estate of every
1.tem 1.1..
. deJ: of
d J:em31-n lusband, JAMES M. LEACH,
'd e an
J:es1-:U , situ
and wneJ:e'\1eJ: ixty (60) days. Should
natuJ:e
''\1es mY
, d ne suJ:'\11- e deceased on the sixty-
pJ:O'\11-de
d Predecl d' d h
. d nusban ,ve, eV1-se, an bequeat
mY sa1-
. gIn'
day fo1.1.0"nn ::ler of my possessions and
fiJ:st
J:est, J:esidu~er situate to such of my
a1.1. tne
at\:
of e'\1eJ:Y n {death by sixty (60) days.
estate
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':',J
peJ: stiJ:p~SI
issue,
)f 2 pages
Item III. I appoint my husband, JAMES M. LEACH, executor
of this my last will. Should my said husband predecease me or
otherwise fail to qualify or cease to serve as executor of this
my last will, I appOint SAMUEL L. ANDES, Attorney-at-Law, executor
of this my last will.
Item IV. I direct that my personal representatives
and fiduciaries shall not be required to give bond for the
faithful performance of their duties in any jurisdiction.
IN WITNESS WHEREOF, I have hereunto set my hand and
seal this
/~ day of
9[t'--?-~ 1979.
t/
The preceding instrument, consisting of this and one
other typewritten page, each identified by the signature
of the testatrix was on the date thereof signed, published,
and declared by Elizabeth S. Leach,the testatri~ therein
named, as and for her last will, in the presence of us, who
at her request, in her presence, and in the presence of each
other, have subscribed our names as witnesses hereto.
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Page 2 of 2 Pages
COMMONWEALTH OF PE!mSYLVANIA )
( SS.:
COUNTY OF CUMBERLAND )
I, ELIZABETH S. LEACH, the testatrix whose name is signed
to the attached or foregoing instrument, having been duly qualified
according to law, do hereby acknowledge that I signed and executed
the instrument as my last will, that I signed it willingly;
and that I signed it as my free and voluntary act for the purposes
therein expressed.
Sworn or affirmed to and
acknowledged before me by
Elizabeth S. Leach, the testatrix
this /JJ:.hday of q).UJ_ I q '7 q.
-/' II . /1
HI ',: d Y '--,.C/ /'
. ~~r:? ..&. -. .:d C\_.R/~
~abeth S.'Leach'
I hI \ I). j~.f)
/ Notary lic
LOU A ZIITO, Notary Public
Lemoyne, Cumberland County, Pa.
My Commission Expire; M=rch 20. 1982
COMMONWEALTH OF PENNSYLVANIA)
( SS.:
COUNTY CF CUMBERLAND )
WE, JOSEPH P. ALEXA and GEORGE A. VAUGHN, III, the witnesses
whose names are signed to the attached or foregoing instrument,
being duly qualified according to law, do depose and say that
we were present and saw the testatrix sign and execute the instru-
ment as her last will; that she signed it willingly and that
she executed it as her free and voluntary act for the purposes
therein expressed; that each of us in the hearing and sight
of the testatrix signed the will as witnesses; and that to the
best of our knowledge, the testatr ix was at that time 18 or
more years of age, of sound mind and under no constraint or
undue influence.
,~~
Qi:tZe-
SWorn or affirmed to and
acknowledged be.tore me this
/ J )-:h day of q:.JJ..li~ / ''-/-/1
~ Cl (/~--;;z;
j blJ-.-f\ ~J)
otary lic
LOU A. ZITTO, Notary Public
Lemayne, Cumberland Count". Po
My (ommission Expirej ^,'~~r(:h 2::-!, 1931
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WILL
OF
ELIZABETH S. LEACH
I, ELIZABETH S. LEACH, of the Borough of Lemoyne, County
of cumberland, and state of Pennsylvania, declare this to
be my last will and revoke any will previously made by me.
Item I. I direct that all my just debts and funeral
expenses, including my gravemarker and all expenses of my
last illness, and any and all taxes and assessments imposed
by any governmental body as a result of my death, whether
on property passing under this will or otherwise, shall be
paid from my residuary estate as soon as practicable after
my decease as a part of the expense of the administration
of my estate. The prepayment of any and all mortgages I may
have at the time of my death on real estate owned by me,
whether residential or commercial, shall not be included
in the direction contained in this Item I of this my last
will.
Item II. I give, devise, and bequeath all the rest,
residue, and remainder of my possessions and estate of every
nature and wherever situate to my husband, JAMES M. LEACH,
provided he survives my death by sixty (60) days. Should
my said husband predecease me or be deceased on the sixty-
first day following my death, I give, devise, and bequeath
all the rest, residue, and remainder of my possessions and
estate of every nature and wherever situate to such of my
issue, per stirp~s, as survive my death by sixty (60) days.
Page I of 2 Pages
,- .
Item III. I appoint my husband, JAMES M. LEACH, executor
of this my last will. Should my said husband predecease me or
otherwise fail to qualify or cease to serve as executor of this
my last will, I appOint SAMUEL L. ANDES, Attorney-at-Law, executor
of this my last will.
Item IV. I direct that my personal representatives
and fiduciaries shall not be required to give bond for the
faithful performance of their duties in any jurisdiction.
IN WITNESS WHEREOF, I have hereunto set my hand and
seal this
/~ day of
9t.z'~ 1979.
?/
The preceding instrument, consisting of this and one
other typewritten page, each identified by the signature
of the testatrix was on the date thereof signed, published,
and declared by Elizabeth S. Leach,the testatri~ therein
named, as and for her last will, in the presence of us, who
at her request, in her presence, and in the presence of each
other, have subscribed our names as witnesses hereto.
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Page 2 of 2 Pages
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COMMONWEALTH OF PENNSYLVANIA )
( SS.:
COUNTY OF CUMBERLAND )
I, ELIZABETH S. LEACH, the testatrix whose name is signed
to the attached or foregoing instrument, having been duly qualified
according to law, do hereby acknowledge that I signed and executed
the instrument as my last will, that I signed it willingly;
and that I signed it as my free and voluntary act for the purposes
therein expressed.
Sworn or affirmed to and
acknowledged before me by
Elizabeth S. Leach, the testatrix
this IJ.J-hdayof q,LLJ...L IQ1q.
'I
/};il J;L2f- !/.~ /.'7 .
o {.' /1,. .. (/ ~..
(/Yl.. -.. ~ C\..Pd
~abeth S.'Leach
It\\\ Cll.j~j']
/ Notary lic
LOU A. ZITTO, Notary Public
Lemoyne, Cumberland County, Pa.
My Commission Expire; M>rch 20. 1982
COMMONWEALTH OF PENNSYLVANIA)
( SS.:
COUNTY CF CUMBERLAND )
WE, JOSEPH P. ALEXA and GECRGE A. VAUGHN, III, the witnesses
whose names are signed to the attached or foregoing instrument,
being duly qualified according to law, do depose and say that
we were present and saw the testatrix sign and execute the instru-
ment as her last will; that she signed it willingly and that
she executed it as her free and voluntary act for the purposes
therein expressed; that each of us in the hearing and sight
of the testatrix signed the will as witnesses; and that to the
best of cur knowledge, the testatrix was at that time 18 or
more years of age, of sound mind and under no constraint or
undue influence.
,~~
Q~
SWorn or affirmed to and
acknowledged be.tore me this
I,) j-J: day of q.JJ. F~ i q -I:)
~qc/~~
jbLL(\ ~j)
otary lic
LOU A. ZITTO, Notary Public
lemayne. Cumberland Count;/, ?J.
My Commission Expire.5 ^,'.~,t::!1 20. 1982