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I)ETITION I''OR I)IWIlATE unll (;I{ANT O~' LETTERS
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Socl(11 S('C'uriry No, 204-30""1063
Rl'ghll'l (11 \VlIh rllt the
(""IIIIY 01 CIEloor1and in the
('{lllllllOIl\\'l'alt II of 1'l'lIl1'iylvHnin
Thl' petition or Ihl' Hllderslgllt'd n'sllL'l.trllll~' H'pn.'sl'nt'i thllt:
YOIII pelitionl'r(,), \\'h" itl'ml' IH Yl'III' of age' or ohler 1IIIIhe l',ecut
In the Ill't will of Ih" ahove decedent, dlll('d ,__No,,~r27 I
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.u 1111l1l'ed
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(~!nll' rde"Hlll dll;'lllll'.tlllK"~, l',g. r-l't\lllldnlilltl, <It'alh of ('.\(('l'1.Ilol, 1.'11,',)
[~~eel\(knt wa' domiciled at death in..._.C~~~__l' ,.... a"S COUl1ty, l'ennsYI(ullla~ith
IL:,__~.....last family or prlncipalle,,,knee HI')_..~, ",., ve..RCl<lL..,hip~bu.t'\L Nor '..'.,__
~~~ship.l,.~):':l,~Q.o.llI1t:y/l)lL_n"_. ,. _... ...____~_.._....._
(Ii~f 'ilrl'el, IHlm!wr (llld t11l1lKipalily)
DC~fl~1~,eM6s-8ttar~~1{,~i~e, ~Ad __!I/lrlIJ.a;'Y6.L________...,.._.._. 19.....n~,
at ~....._.u..,.._.___.P._..I..,.,... ....._n _L_,...___." ,. .",., '_'_"~"_T"'" ,._____~~__,on....,
Except as follow" decedent did nOlmHrry, was not divorced und did nollwvc a ehlld born or adopted
after execution of the will offered I'DI' probate; was not Ihe victim of 1I killing and was never adjudicated
Incompetent: .~One._mm_m...__..' ,.___.___m__~_.___,__.., . __"~_
Deeendent at death owned property with e'timntcd valnes a' follows:
(If domiciled In I'a.) All pcrwtlal property $ 150LQQ,~.OO...~
(If not domiciled in I'a.) Personal pl'OperlY in I'ennsylvatliu L.
(If not domiciled ill I'n.) Personal pl'Openy in County $
Vulue or real CSlmc in Pcnllsvl"unia $. nnnA
situated as follow,: ...-,-.:...------...-..---..--__...._.._..._,~........._._._,__........L,
~~~~~~.._,,~, '_'U"_~_.________.__'"....<'......__~~_~___'_.._.,..____..~,_____..
. WHE~EFO~E, pelitioner(s) r,,~peetfully 'f.!l~f;WM t~~robate of the last will and eodkll(s)
presented hereWith und the gralll 01 lellers,____ m _,....._......__~._..
(te.~H\ti\cn[ury; l\dtllinhtratiulll.'.I,lI,; ndlllinislnuioll d,h,n,c.t.lI.)
theron.
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J..~..Leve1 RoadL Shippensburgl PA 17257
..2. ,Mud Level .~lli....g~]J.rg, PA 17257
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OATH O}<' PERSONAL REI)lmSENTATlVE
~~~~;~~~::AI"~~~~SYl,~ANIA_ J 88
The pelilioncr(,) aho\'e.n"fIlcd ,wem(') or a!lirfll(') Ihat Ihe slatemenls in the fme'going petitiol1,are
true and correct to the ht'st of the knowledge and bclll'!' of petitioner(s) and that as pcrsonnll'eprcsctlr
tativ>,(s) of Ihe .tbo\'l' decedent pelllionel(,j will ~~d tfl,I~' "dnllJ iSlel Ihe e'tate aceOl'lling to lu\\'.
SWOln III "' a!!llIned ,Ind Sllh,ellhed 1v(;((!;:,~j) ""j Q..c1.,1t1t4.vtr-- ~
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OJt....lj lU!~11.111, :WliL {Fredith E.. Dy .. ~
M RY JC. EWIS {l1i<'~I~ _ 2
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JRZ:cb - November 6, 1995
LAST WILL AND TBSTAKBNT
I, Bl'\IOO D. Dyarman, of North Newton Township, Cumberland
County, Pennsylvania, being of sound and disposing mind, memory and
understanding, do hereby declare this to be my will, hereby
revoking any and all former wills and codicils thereto by me
heretotore made.
rIRST
I direct that all my just debts and funeral expenses,
including all expenses of my last illness, shall be paid from my
estate as soon as practicable after my decease as a part of the
expense of the administration of my estate.
SECOND
I have previously conveyed a lot of ground with a house
erected thereon situate along Pennsylvania Highway LR 21063 situate
in North Newton Township, Cumberland County, Pennsylvania, being
designated Lot 1 on a certain subdivision plan of Bruce D. Dyarman,
prepared by Wilbur H. Clifton, R.S., dated December 28, 1983, and
recorded J.n the Office 0,1: the Recorder of Deeds of Cumberland
County, pennsylvania, to my daughter, Fredith E. Dyarman. I hereby
establish a value for the gift of said real estate in the amount
Page 1
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of $30,000.00 and direct that the same be deducted from my said
daughter'll, Freditl'. E. Dyarm/ln's, snare to be received from the
remainder of my estate, and in the event the sams is not adequate,
my said daughter, Fredith E. Dyarman, shall pay any additional
amounts required to make up the sum of $30,000.00 to my estate.
THIRD
I have previously conveyed a certain lot of ground with a
house and other improvements erected thereon situate along
Pennsylvania Highways LR 21063 and LE 21007, situate in North
Newton Township, Cumberland County, Pennsyl.vania, being designated
Lot 3 on II certain subdivision pl.an of Bruce D. Oyarman, prepared
by Wilbur H. Clifton, R.S., dated December 28, 1983, and being
recorded in the OHi:::e of the Recorder of Deeds of CUmbp.r1and
County, PennsYlvania, to my daughter, Shirley L. Lynch, absolutely.
r hereby establish a va1uQ for the gift of said real estate in the
amount of $J.8,OOO.00 and direct that the same be deducted from my
said daughter's, Shirley L,. L,ynch's, share to be received from the
remainder of my estate, and in the event her share is not adequate,
my said daughter, Shirley Lea Lynch, shall pay any additional
amounts required to make up the sum of $18,000.00 to my estate.
f
I
FOURTH
I give, devise al1d bequeath the residue of Iny estate of every
nature and wherever situate to my children, Paulo. Dyarman
(deceased), ~lice M. Crider, Fred W. Dyarman, Fredith E. Dyarman,
Page 2
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Shirley Lea Lynch, and Dora Jane Sanders, in equal E1hares. The
share of PaulO. Dyarman shall be distributed equally among his
children and widow. The share of any child who predeceases me or
dies on or before the thirtieth day following my death, except as
herein provided, shall be distributed to said beneficiary's issue,
per stirpes, U.ving on the thirty-first day following my death, and
in default of any such then-"living issue, such share shall be added
to the share or shares of my other children.
lI'IrTH
I hereby direct that in the event that a debt evidenced by a
certain promissory note owing from my daughter, Alice M. Crider,
and her husband, John A. Crider, to me has not been fully paid in
my lifetime and in such event the principal and any accrued
interest owing under the said promissory note shall be deducted
from my daughter, Alice M. Crider's, share of my estate to receive
from the remainder of my estate and in the event the same is not
adequate to pay the aforesaid promi.ssory note in full, my daughter,
Alice M. Crider, shall pay any additional amounts required to pay
the said promissory note in full.
SIXTH
In the event that anyone entitled to a share of my estate
should be under the age of eighteen years at the time for
distribution to said beneficiary, I constitute and appoint Mellon
Bank of Shippensburg, Pennsylvania, guardian of any property which
Page 3
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PIlS." either under this will or otherwiu to said minor.. Said
guardian shall in the guardian's sole disoretion and without order
of oourt, use prinoipal as well as inoome from time to time as may
appear to be necessary for the minor's welfare, oomfort, medical
care, reoreation, support and education, without responsibility to
the minor or to any per.son taking care of the minor I and the
remaining balanoe in the hands of said guardian shall be
distributed to said minor when the minor attains the age of
eighteen years. If such minor di~s prior to attaining the age of
eighteen years, said guardian is authorized in the guardian's
discretion to pay part or all of the minor's funeral expenses and
the remaining balance in the hands of said guardian shall be
distributed to the minor's personal representative. In the event
the funds held by the guardian for any minor become in the opinion
of the guardian too small for proper and efficient administration,
the guardian, in the guardian's sole discretion, may deposit such
funds in a savings account in the name of the minor.
SBVBNTH
Any fiduciary under this will shall have the following powers
in addition to those vest~d in them by law and by other provisions
of my will applicable to all property whether principal or inoome,
including property held for minors, exeroisable without Court
approval, and effective until actual distribution of all property:
A. To retain any and all of the assets of my estate, real
or personal, without regard to any principle of
Page 4
diversifioation of risk.
B. To invest in all fot1lll of property inoluding stook,
oommon trust funds and mortgage investment funds without
restriotion to investments authorized for pennsylvania
fiduoiaries as they deem proper, without regard to any
prinoiple of diversifioation of risk.
C. To sell at publio or private sale, to exohangE! or to
lease for any period of time any real or personal
property and to give options for sales, exohanges or
leases, for such pr ioes and upon such tet1lls or oondi t:l.ons
as they deem proper.
D. To allooate receipts and expenses to principal or income
or partly to each as they from time to time think proper.
E. To compromise any claim or controversy.
F. To distribute in cash or in kind or partly in each.
G. To hold property in their names without designation of
any fiduciary capacity or in the name of.a nominee or
unregistered.
IIGHTH
I direot that all taxes that may be assessed in consequence
of my death of whatever r:atuu and by whatever juriSdiction
imposed, shall be paid from my residuary estate as a part of the
expense of the administration of my estate.
Page 5
f_
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CERTI.FI_9ATION QLllOTlf!L.!m..DER R.IJ,!!..IL.2~ill
Name of Decedent I Druce D. Dyarman
Date of Deathl--1/6/97
Will No. 1997-00109
To the Register:
Admin. No. 2197-0109
I certify that notice of beneficial interest required by
Rule 5.6(a) of the Orphans' Court Rules was served on or mailed to
the following beneficiaries of the above-captioned estate on
February ,1997 I
Name
SeEl sheet attached
-----
Address
Notice has now been given to all persons entitled thereto under
Rule 5.6(a) except none
Date: rOOmaty
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, 1997
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Name ,Joel R. Inger
Address 200 Chambersburg !~st Co. Bl9!h.
Charnbersburg, PA 17201
Telephone (717) 264-6029
Capacity:_____ Personal Representative
x Counsel for personal
representative
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JOBL R. ZULLINGBR HAMILTON C. DAVIS
A PROFESSIONAL CORPORATION
200 eh_l'Iburg Trult Co.
Ch_rlburg, PA 17201
71N64'60~g
FAX' 717-264-1884
75 Elot kIng Str.tt
Shlppenoburg, PA 17257
71N32-7570
FAX' 717-530-5222
M!\rch~1,1997
Mary C. Lewis
Register of Wills
Cumberland county Courthouse
Carlisle, PA 17013
IN RBI
Bstate ot Bruoe D. Dyarman
Dear Ms. Lewis:
Enclosed is check from the above estate in the amount of
$15,105.00, representing a prepayment on the Pennsylvania
Inhe,ritance Tax. The prepayment i.s based on a gross estate of
$265,000.00 taxable at 6% or $15,900.00 less 5% disoount of
$795.00. Thank you.
Very truly yours,
, 1\~ -'J ' ,
." J '.I}
{}~ L ' (t/ jJ!.-LD-( 'J' CL
Joel R. zulling ~,
JOBL R"ZULLINGl'lR It UTON C. DAVIS )
A PROFESSIONAL CORPORATION
FOR
JRZ
1'1"\' t':~
'l~, I;'')
o .!{J a :-lO.
.. ,._. ,
r;l; d
r::'j "i)
~ ,I
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, :l'~
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cr: 138
IS--J s,- f:"- lye,)
I .OR OATIS O' DIATH AnlR 12/31/91 (HICK HIRI
INHERITANCE TAX RETURN I. ~o~::f.,U~:~DIT IS CLAIMID I
RESIDENT DECEDENT PIli NUMIIN
COMMONWEAlTH 01 "NN'mAN'. (TO BE FILED IN DUPLICATE '
n~~:f.~~b'#~~9::'~;~'nn ., I n WITH REGISTER OF WILLS) lcouNTR~D~-0109 .. YEAR NUMBER
-j- I~~~~~~'I"'''-'i:;;;;~ -1:';~;;;;07 - -g:r7~~;;:fl~~7--=---
. _:...... :-=~::~::=:~:'~~\~.:'''' M'"'"~:':"...J'O('A(,,'_:":"U.M',,,... ... A~OU".',:'~,,:Of'!~ l"i:'''''O",r ,.. .___"
~ Kl 1. Odgin'Jl Relurn r] 2, Supplemental Return [] 3. Remainder Return
lI!::! "" (for dale. of dealn prior 10 12.13.82)
frlfri [] 4. limited eltot. LJ 40, Future Interell Compromist'l rJ 5. Foderal Ellote To.l( Rtlurn Required
:r:f9 -. (for dalol of d.alh oller 12.12.82)
u ~ a:I ~J 6 D6<edelll Dlod Teuote rJ I, Decedent Maintained a living Trull _J:. 8. Total Number of Soft Depolil 801181
IAllo,h copy 0' Willi IAllo" 'opy of 7""1
ALL CORRESPONDENCE AND CONFIDENTIAL TAX INFORMATION SHOULD BE DIRECTED TO,
~- - COMPL TE MAILING ADDIHSS"
Joel R. Zu1linge.r 200 Charrbersburg Trust Co. B1dg.
,Eli'HO'" NUMBER ..-.............---....----...--- Charrbersburg / PA 17201
_I 717 } _~M~~~"~~__,_.... I
(11_._._
I~ I . 40.00
13) ..
14 I ___uBL~59. 04_____
197/403.68
151 -._________.
76,100.00
16 I ...-....-~----.....-
17)_
~
kl:Y.15QO\.\ -+ 11,'/41
.
:iJ~
"'''
"'z
Bf
z
e
5
~
III
'"
10,
II.
12,
13,
14.
15.
16,
17,
z
..
~ 18,
... 19,
~
lIE
..
...
:l 20,
...
21
I
(!
\', t,
~...l~'~ 1/
~fJliJ'
I. R.al Ello', IS".dul. A)
2, Sto,k. and Bond. IS".dul. B}
3, Clollly H.ld S'o,k/Par'n.",lp In",," IS".dul. C)
.4 Merlgag" and Notel Receivable (Schedule 0)
5. Cosh, Bonk Depotill 81 MllCflllaneouI Personal Properly
ISch'dul. E)
6, Joir'ltly Owned Properly (Sr.h.dule F)
7. T,o",'". IS".dul. 0) (S".dul.l)
a, T 0101 Gross AUDit (10101 lines 1.7)
9. Funeral Ex.pen5el, Admlnhlroliv. COllI, Miscellaneous
Exp.nlt' IS".dul. H)
D.b", Mortgog. llobllUIOI, ll.n, IS,h.dul. I)
T 0101 Deductions {lofellin.. Q & 10J
Net Value of ellot. (lIne 8 mlnulllne 111
Choriloble and Governmttntal a.queslt (Schedule J)
Net Valve Subject to Tax (line 12 minus Une 131
Spoulal Tronsf.,s (for datell of dealh aher 6.30.94J
See lnstruclions for Ar,plicable Percenlage on Reverse
Side. {Include values rom Schedule K or Schedule! M.l
Amount of lino 14 to.ll:ablll at 6% role
(Include valUfll from Schedule I< or Schedule M,I
Amoun! 01 line 14 to.ll:oble or 15% rate
(Indude values Irom Schedule K or Schedule M.l
Principal la.ll: due (Add lax from lines 15, 16 and 17.)
Credits Spousal Poverty Credit Prior PaSmenlli
______._ + .!.5.l}O .~.2.Q.
19)
liD)
33,614.13
1,440.88
18 I ...]26,2<8.72 --____._
III)
112)
113}
114)
35,055.01
291,147.71
..2.9L 14 7.71
115}_____ ...__~.._....
116} ...___291,147. 7l_.._..,~ .06.
17/468..86
117) ._..._,__~__,_~ ,15 .
(10)
17/468.86
Dj'95~tOO InlO""
+ _...-_.----- - ~--_._---
119} _~!90(),.~._.._.
(20) _
If line 1Q Is great~r Ihon LIne 18, enter the diHerence an line 20. This is the OVERPAYMENT.
1110
II Une 18 is greater Ihon line 19, enter the differonce on Line 21, Thh ilthe TAX DUE.
A, Enter the interesl on the balance due on line 21 A
B Enl'r Ihe totol of line 1.1 Clnd 21A on line 218, Thi, is the BALANCE DUE,
M~.~~_~~.h.ck P.~vabl._~!.. ~.!!~!~!.-!~~~!!.!!. .~~..n!_ ...___ ...._... ...__._._......__ _____
Ch'fH~ hi'/(' .f Vpu Ofe '(lqu(.>~lInH tl .olund of VOUf OVl"p(lvml1nl
u_._~L~6B-!~
~-~=-~I,~~8 .8-6'--
121)
121A)
121 B)
_n___ -- ~ ~ BE SURE TO ANSWER ALL QUESTIONSON--REVE_RSE SIDE AND TO RECHECK_MATH <( <(
Uflder ponohiel of pflljury, I declare lhQ! I hol''' oll;omined tlm roturn, including ow,mpany'ing Ichedules and lIolemen'I, and 10 the belt of my knowledge and belief,
Ii Illrue, correct and complete I declare thOl 011 real estole hOI bun rnp"rted 01 true markfl! ~'alue, Declaration of preparer olher Ihon Ihe perianal reprelenlolive i,
bUled on aU informrJ!ior, 0.' which preparer hOI any k.nov."edge. .. , ",'. ,_ '. ________ " _ ____"___... ,.~. ________. _____.~___
" --Al-"--P!~N--,.T6ifiiNG"',i.N..~ ~3iE~~ii "~~ :~}1if,~~gttr:~:'~~ nm 0''';:1 : 7:'7
.__ .._ _.___........._..,.__ . .._....,..__.'____......~___... .....--. .,.- "...Z..::-E-:::i~.-,-
A.DORE$S DATE
_Z::. /_:.Q.
. 2QQ_Cll@l1~J:'.$Pll1g 'rr'lElLQQ.,_.llJclg",.
Chan-bersburq, Pi\ 17201
" I
"/RZ: cb
/
..... -.. ..... ~ ",... '. '....~....
- November 6, 1~9~
LAST WILL AND TESTAMENT
I, Bru08 D. Dyar4laD, of North Newton Townlilhip, Cumberland
County, Pennlilyl vania, being of. sound and disposing' mind, memory and
understanding, do hereby deC11are this to be my will, hereby
revoking any ana all former wills ana coaicils thereto by me
heretofore made.
I'IRST
I direct that all my just debts and funeral expenliles,
including all expenses of my last illness, shall be paid from my
estate as soon as practicable after my decease as a part of the
expense of the administration of my estate.
SECOND
I have previously conveyea a lot of grouna with a house
erected thereon situate along Pennsylvania Highway LR 21063 situate
in North Newton Township, Cumberland county, Pennsylvania, being
V designated Lot 1 on a certain subaivision plan of Bruce D. Dyarman,
~
preparea by Wilbur H. Clifton, R,S" dated December 28, 1983, and
b
recordea in the Office of the Recorder of Deeds of Cumberland
county, Pennsylvania, to my daughter I Fredi th E. Dyarman. I hereby
establish a value for the gift of said real estate in the amount
~
.....
8
Page 1
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of $30,000.00 and direct that the sams be deducted from my said
daughter's, Fredith E. Dyarman's, share to be received from the
remainder of my estate, and in the event the same is not adequate,
my said daughter, Fredith E. Oyarman, shall pay any additional
amounts required to make up the sum of $30,000.00 to my estate.
THIRD
I have previously conveyed a certain lot of ground with a
house and other improvements erected thereon situate along
Pennsylvania Highways LR 21063 and LE 21007, situate in North
Newton Township, Cumberland County, Pennsylvania, being designated
Lot 3 on a certain subdivision plan of Bruce O. oyarman, pr.epared
by Wilbur H. clifton, R.S., dated December 28, 1983, and being
recorded in the Office of the Recorder of Deeds of cumberland
county, Pennsylvania, to my daughter, Shirley L. Lynch, absolutely.
I hereby establish a value for the gift of said real estate in the
\ amount of $18,000.00 and direot that the same be deducted from my
~ said daughter's, Shirley L. Lynch's, share to be received from the
remainder of my estate, and in the event her share is not adequate,
my said daughter, Shirley Lea Lynch, shall pay any additional
amounts reCJ1.1ired to make up the sum of $18,000.00 to my estate.
FOURTH
I give, devise and bequeath the residue of my estate of every
nature and wherever situate to my children, PaulO. oyarman
(deoeased), Alice M. Crider, Fred W. oyarman, Fredith E. Oyarman,
Page 2
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o
:/
I
I
'1
t\J
A
~
1
C9
Shirley Lea Lynch, and Dora Jane Sanders, in equal shares. The
share of PaulO. Dyarman shall be dJstributed equally among his
children and widow. The share of any child who predeceases me or
dies on or before the thirtieth day following my death, except as
herein provided, shall be distributed to said beneficiary's issue,
per stirpes, living on the thirty-first day following my death, and
in default of any such then-living issue, such share shall be added
to the share or shares of my other children.
PIFTH
I hereby direct that in the event that a debt evidenced by a
c8r~ain pr9miosory note o~\ng from my daughter, Alice M. Crider,
and her husband, John A. Crider, to me has not been fully paid in
my lifetime and in such event the principal and any accrued
interest owing under the said promissory note shall boa deducted
from my daughter, Alice M. Crider'S, share of my estate to receive
from the remainder of my estate and in the event the same is not
adequate to pay the aforesaid promissory note in full, my daughter,
~lice M. Crider, shall pay any additional amounts required to pay
the said promissory note in full.
SIX'l'H
In the event that anyone entitled to a share of my estate
should be under the age of eighteen years at the time fot'
distribution to said beneficiary, I constitute and appoint Mellon
Bank of Shippensburg, Pennsylvania, guardian of any property which
page 3
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1
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A
,
~
i
d
passes either under this will or otherwise to said minor. Said
guardian shall in the guardian's sole disoretion and without order
of oourt, use prinoipal as well as inoome from time to time as may
appear to be necessary for the minor'S welfare, comfort, medioal
care, recreation, eupport and education, without responsibility to
the minor or to any person taking oare of the minor I and the
remaining balanoe in the hands of said guardian shall be
distributed to said minor when the minor attains the age of
eighteen years. If such minor dies prior to attaining the age of
eighteen years, said guardian is authorized in the guardian's
discretion to pay part or all of thB minor I s funeral expenses and
the remaining balance in the hands of said guardian shall be
distributed to the minor's personal representative. In the event
the funds held by the guardian for any minor beoome in the opinion
of the guardian too small for proper and efficient administration,
the guardian, in the guardian's sole disoretion, may deposit suoh
funds in a savings aocount in the name of the minor.
SEVENTH
Any fiduciary under this will shall have the following powers
in addition to those vested in them by law and by other provisions
of my will applioable to all. property whet.her principal or inoome,
including property held for minors, exercisable without Court
approval, and effective until actual distribution of all provert.y:
A. To retain any and all of the assets of my estate, real
or personal, without regard to any principle of
Page 4
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diversitication ot risk.
B. To inv..t in all torm. of property inclucUnq .took,
oommon tru.t tunds and mortgage investment tunds without
restriction to investments authorized for Pennsylvania
tiduciari.es as they deem proper, without regard to any
principle of diversification of risK.
C. '1'0 sell at public or private sale, to exchange or to
lease for any period of time any real or personal
property and to give options for sales, exchanges or
leases, for such prices and upon such terms or conditions
as they deem proper.
D. To allocate receipts and expenses to principal or income
or partly to each as they from time to time think: proper.
E. To compromise any claim or controversy.
F. To distribute in cash or in kind or partly in each.
G. To hold property in their names without designation of
any fiduciary capacity or in the name of a nominee or
unregistered.
EIGHTH
I direct that all taxes that may be assessed in oonsequence
of my death of whatever nature and by whatever jurisdiotion
imposed, shall be paid from my resi,duary est~te as a part ot the
exp~nse of.the administration of my estate.
Page 5
UV:'609Utll1-t'1
'*
COMMONWtAtTH OF PtNNSYlVANIA
INHl!RITANc:r TAl( ~nURN
IU$IOfNT DECeDENT
ESTATE OF
___~ruce .I?.. Dy~n
Joln".non'(.),
NAME
--,--.--------.
A. Shirley L. Lynch
8. Fredith E. Dya..-man
c.
Jolntly.own.d prop.rtYI
I
SCHEDULE F L
JOINTLY.OWNED PROPERTY
=~ ~-=::-=~~ I"~::;-~:o~
ADDRESS
500 Oakville Road
Shippensburg, PA 17257
-- ---------
_~T10NSHIP TO DECEDENT
daughter
5 Mud Level Road
Shippensburg, PA 17257
daughter
ITEM LITTER DATE
FOR TOTAL VALUE DECO'S DOLLAR VALUE OF
NUM8i!l JOINT MADE DESCRIPTION OF PROPERTY O' ASSET % INT. DECEDENT'S INTEREST
TEN ANT JOINT
1. A 11/6/95 Tract of real estate situate
in North Newton TcMnship,
Cumberland County, PA, kna.m
as 500 Oakvil1e Road, Shippens
burg, PA, appraised by Corner-
stone Appraisal Services, with 27,800. 06
copy attached 55,600.00 50%
2. B 11/6/95 Tract of real estate situate
in North Newton TcMnship I
Currd::>E>.rland County, PA, kna.m
as 5 Mud Level Road, Shippens-
burg, PAr appraised by Corner-
stone Appraisal Services, with
copy attached 96,600.00 50% 48,300.00
,
,
I
TOTAL (AI.o .nlor on lin. 6. Recapitulatlanl S 76,100.00
(If more space is need,d insert additl'onol sh..fs of same size)
.
CORNERSTONE APPRAISAL SERVICES.
Property O..orlptlofl
UNIFORM RESIDENTIAL. APPRAISAL REPORT
FII. No. L97-003
AY' !.rDt!tUl~.!I!'I..s._Hud._.LI.Y.l~RO&d."__.. .ow .Sb~DDeD:ib1.b[g._ _ .iiJllt_R/t. __~iP..r!l!l!..1. 7.1ll_.__
,<: .lm,l2!!fllil""n ..J..J.k.10U,".. ..S,,""" ,Cl.lIIJbtJ.' 11!ll\L,
1_&Itu!9L'lJ:I'''E.'!!.1i2.LJJ!~.a.s-.'':'_l1-ti_":_J_ ~L!lclLY_U~___ ,'.I,!;."J!!!! L .!!R!!il~!tmrr\_~I1I' L... _ _ _ _.
. --.". ~((.w", ',~~~.~:; 1L~TI::,~,:::'"'' :TJlJt~;;~,;~~!lDI:~::,;",~;,,,~,!~~,,,;,~,~~.~,::;~~;;OJ"~~~r1:,,:"';
- ~_'i/lI~'-!f1,?~g ll'cri"?1.te.\Ntt'Tll! M~I'f\~rmr\~O _ _~ Q - .as _~~J.6_- 3_ (,~tfl"~j-' 1m! l~ll
?III!~ j'IIr~' ~/ ^ 1,)'11" li' !J.Ju pllm1Ifti,,!,-!f1!j ~ .,n'!\ml "I I(~.n cI_,-~I.Ii~~!~_'!""'!~~'lI''-u\' l,~ 1'~"'lJy .~llo_1 N/^
!"fJ<t,'ICI'~r,1 PJ-.dithlR. Dy(lrmarl. Md'"" 5 M\.IQ. X.Qvfll Roa(1 ShippeOfl,Q\,lrgl PA ~7:2S7
~",.., R~ R~ Jr A"",.. 9JL.!L.....Earl r~~t,. Saw n PA .72 'I
lu".t"". 111"i'''' rJ '",i."lb." !Xl ;:'~I ''fr!donoi'''1I !lIfvh 'lIIlllty' tlll'l~'''il '''__111I-' ,_.
!kld! uJI r--1 ('II' I',,", r--J 1', )I,~ (Xl (I"d", I', 'Ii, UCU~lCV 1'1\1(,1 , 1(J()OI Mil I~'~I
Il'U""lhlth' r-ll\...I<I Ixl ';IIIoI~ [-1 SI<)W [xl (l~/!)", 3:> I,.", 1
I'I"PIIlV va/uu n l,w,IO""'11 ixl ~;llt'l. I] [)llclin,,'il fJ 111\1/)1 .l~":L_. Ihllhl9.9
De'f\&IwllI<\IWly [.1 ';itl<>ll~e rill" bll.n,," [] O"cr'\llipljl fXl Vlr.lnl ((J,"'ti>1 ..u"......J_.I:'1t~'l!:I1J'!!fltl.,..
_M~rM!lI'Sl ti(J\e J] ~!19llr__1_ !!W~ IiJ_l II !J19!, . [J OV!'Jtm2-'-'---_ _0 \I~~~11UotY!li.._~.._..L 90_ _ ..2_0_
,.,..: Ka>> '"" It. '.a.f.~ 01 tt. I..oiw/lb..lloaod .. mt IWW.....,~.
I. N.',""",.." l.u,d"'"'M "..,,,,,,,,,,,.. Tn~... LD..IL=!l1..I!,9J.'~QIIl.t~AJ..M!ll.w;ltl1"liQJIlL.;rfU~\1llIllill--Al&llg publ;lQ.._
X24\l1._. SlI!.lj 1\l.t..lILllnj;...tlLth,. V;l..11'9....QLQ,ojr,YJ,l.h ."_____...._. '_____.,..__._________,_,_
F.cloll th.1 .ff""1 1h8 m.'~eltt-ihly of the pro~rllOft irllhl nfIlllhbolhqc>rJ IPIO~lrTllt'f 10 llmploymflnt.nd Imenilln, employment .tll>il'ly, IIPPclllo mllkel. Ulc,l:
.l'h:l/l. .&r,!lo, hQQIlV&n.\.;m\: \:Q.J!hJ2P'pl,mumr;l-'l!!plQY!!l'ilnt ~.!LSh;l,ppll!l/lQ.W:.Jk ___.... __~__..
____ _________~ ..__.n. ._~___.~_. '.____..._ .___~___.__.____..____
I
I flntl /~'''lIy 16
'j""""" ~
Mlllt'f.mlly
......~. (;ommlt,tltl ;___.
_ ..P-";[lll.IL..'i,
1*1d,_l;t-.
_ [X] Not Iottlly [J ll~llly
.Cllnp'oci!I"
10
Mark"l COnd'tlOns 1'1 1M lubjlCl r\tllghborh.-,od ('"clu~"."iI IqpllQrt hH thll .bovll ~0!10iUIIQr\lI rel.lelJ co thll tlend 0' p!CIperly' vllluOI, <!em'ndl.upply, .rId m'j~eting II"" , , ,'11011 at dllt on
"omp_lIlllvfI /lroporllee lor ulf! in U)(I 116'gt100'hQod, dncripll6n of t~ prey,lenell of ullll Ind lintnclng oono,,"IOrll, 11<;,):
lIJLl!!!I.l~__~IL_\';_Qp..l<UnQllJL;I,n this area. ~_~s tilllll. that could be cone~l\L.._
_t.YDical f_QL.i:.M1LY'U.L.__..______,
~.
~ w.~....... Pl.Oe III Ippltc.b!~H, lhe developorlbulldll' In control althe Home Owner,' A"ocillior, (HQA)1 y"U No
Appro){imtt. '01,1 I'IUml!e, of unit. inlhll ~biect project N/A Approxlm.te tot.llV./mbilr 1)1 unlt./or ,,/11I In the .ubieet proj.cl N/A
0"01 ,00 common 6iemenll .rod r Clolllon,l '.eilltille:
Dlm'fl$ior~ __0___._...
SIte Attoft :1.2 acres
SpaClilC lonlng cl..""I>c.\lon ftll<l l!(Iecrlpt>on NQp.~
ZQnIt'lg complllnce 0 Leg.1 [I Leg,l nQf1COnfOtmlr>g !Or'ndt'lh<lled u'e~
~hgh"l &. l>ell ,",e irS ImprQVfld IKI Pletenl uta 0 Olhel UlfI (upi"in)
'Topography
Size
Shape
Drainage
View
CO;~YeG
IX! N.
Level above r.~nl!!L.
U.-'.QllL__
m~l!!;:...._".._.,.____
Ac;leauat'__'_'_.~_m_
~l
Landscaping Tvoical ,___.._~M'_.~__
Drlv(lwey SUflecIlA8Dha:L.tw________._,~
Apparflrll f.lfllmllnl, HQD!t_QQ.U~~__.
Olllflgal
!XJ No lonlng
m
OI1-3il.
Improvements
Electrioity [i] 6QlLJ\!!!p__ Stro.t Asphalt OIXl 0
Ga, 0 Curb/Gutta, !lone 0
Wata' 0 ~tl.~__ Sidawalk !I2lli!,___._ [] [] FEMA Spacial Flood tiolBrd Ara. 0 Yo, IXI No
Sa"ita,y Sow., 0 SiP.tl.c;.__ Stroot lights !I2lli!_..___...___ 0 0 FEMA Zono __.__,_ Map Dato 2.:J...Il..:JlL,
Sto'm Sowo.. 0..____ II,~, _!iQru.l. n 11 FEMi\.M.!!J?.!!I.1Li2l583A _________.
COmlnllnt'llppl/flnt advalllfl Ullmentt, tncrOlchmentl, .~cI.1 ...f1t1m(lnle, .I,de .reu,lIllIlJ,,1 or119~1 nQnccrllormlng wnlng, .'110. ele.1: ~~tL_JllU.~_or
_1!l9J;QK~M, were obser.v!llLQll...tMs si t... . T1t~.J;:.!!...il...JIQll\..-'l.~t,Ig_.m:C;\Qlems ~n.J;~UlL.Aft'!L,__"
1 r ins.
GENERAL DESCRIPTION EXTERIOR DESCRIPTION FOUNDATION BASEMENT
No. of Units QDe Foundation QQI!g_B~_~. Slab XU~_____ Area Sq, Ft. NLA_____
No, of Stori6s QrnL..,__ Exterior Walls Bx:!.Q}t_ Crilwl SPUCfJ NQ.. % Finishod
T~'pe(D6t.lA!t.)P~~.g.M..g Ruof Surfaoe AmhSM-9'. Basemont H.Q Ceiling
Design lSlylel R~ Gutlaf8 &: DwnQpl8 ~..t~..l..__ Slimp Pump NllL Walls
EJ(llt,ng/PfOpond Exist;j,llil_ Window Type mL~@!!\ID Dampness NL__._._.__.... Floor
Age lYrs,) ~3.._~~. Storm/ScreonsCombo Sattloment HQ.__ Outsidu Entry
Elfnctivll An Yrt, 18 Matlullctured lIou, 0 Infestation 0
ROOMS Fover _.. _. UviQ.9...... Pi Kltchon _ Den F!!l1Jl1.'LRm. FlI1Q.J{J.1L... Bedrooms
Utilities
Publj('J
Othor
Typo
Publio
Private
i
~
~
Go
if
~
w
Q
INSULATION
Roof
Ceiling
Walls
Floor
None
UnkNlWrI
""..--..-..--. B
.------- []
._0
__.__ 0
___Iii]
Is
Laundrv
Other
BasernE!.O.L
keNol1
Level 2
1 i.----
---- --~
-_._~ ---.--.-
1
1
J.......___ .,~
L
FinistH.td area abovtl ( rado eont Ins: 7 Rooms' 3 Bedroom ~ 1 1 1 S
INTERIOR MII(lr'<llliCo'ld'lIon t~EATING KITCHEN euulP, ATTIC AMENITIES
Floors ~~t;,.... ..._.__ Type Elec '.__'~'~'~_ Rofrigerator [i] None [i] Fireplace(sl # ~_.__ [KI
Willis t!rr~m_m.. Fuel Elegtr:l9...._...._. Range/Oven [i] Stairn 0 Patio ___d___,._ 0
Trim/Finish W~____~.S_or.:I!.!.~f:'___~~__..~._ Disposfll 0 Drop Stair [i] Deck D
Bath Floor Y!ny~__~ COOLING Dishwasher [i] SCllttle 0 Porch Covered IiJ
Bllth W.I....eOI l..;y:,~!:91~lUi._ Central HQne Fan/Hood iii Flt10r D Fen'J6 0
Doors Holl~.....Q.QI'_'- Other ~__. Microwavo 0 Heell:'d 0 POJl 0 Carport
Cond,(i\>n Washer D or Finished n r
Addlliofl.ltltlll,lr"I.p.eci.I.I'lII"y.fliol.,.,tlt.m...to.f~~_{~rsolace in ~~ilY room has ~Q.YjL~.tJ.. two car oaraa.
-2Y.K sized. PO.x.QIL,ll~X 23 . 1;jJj sf. sun roan is .lLls.,..2.-" 144 sf~__..
Condl'ion l>f Ih<I implo"emllntt, lleplllOilllion (phylio.l. funcIIQrl.l, Ind e1.torn.l!. leplln. l1lIedlld. q..,.IIl~ 01 r.ontlruc\lon. tom"dehng/addl\IQne. elc.: Sub;ec...t._;lIJ_...J.jl_~9jL_.~__
rancher wi.l;!LQnlv one batht'OODl ,_..,,&lL!R,..~Iw~!'l__~-'.Q.~I!J.~Q!LJ;l!~9.;[i_._____._~.~..____,
uare Feet of Gros9 Livin rea
CAR STORAGE
Non. [l
GcHilge II of Call
Att.ehed
L,_".
Dllt.ct\od
BUIII.!n
i (I a
i
~
Co)
____________ _~_.~__.____.._____'_.m____._~.._...__"..__, .__..,_.
Adv~rtllllnVI'Ollrllent.1 Cl'f)(.j'l",n.l~u~h n. Dul fIIllllrrlllftu Ir,. !lllllldo\l' W~.lll., !o.,,' .\,t.~t4'''''''. lllr 11"~Qllnl '" !Illl 'm~H"VlIllllln1', (I" tI>Il..tll. or In lhll 'mmllu'Olll VI{Wn~' (II n," ."blflet
'''P''IV P.ML!'l.9..Lo!InrY9. !/'!lY.I'.r;l"'~;-V!l fj!lV~J;~ntl\~rn;:Q.I;>J.J!!!lV O!l QJ;. !!(311J;, ,t,h~~ .,J!U!!\:,ho"t.WOv.lr;l.l!Ul!QL.
V 1 Lead fI r en in th ~r l1.in due to .it' a
1',.dd'(1 M~~ FOfm 70 6.9:1
r'9~i'~f i'"
MC:'l, ~ IJ';"~",,, ,.1 fI(: I [.>(Id""I'IlII"'l !liOOII;'l J" 'tl]
f4'''''ll M~.. Fl"'" IU(14 6-11:1
.
CORNERSTONE APPRAISAL SERVICES
UNIFORM RESIDENTIAL APPRAISAL REPORT
[,Ie No, L97 -003
Dwelling. 1,IIH Sq, Fl. @ $ iP, SO
li SlW.,~'O<lI!l a. Sq. Fl. @ $ ~~, SO
I F;!.rti!lMC'II)Q[Cfl
GO'Ooo/Eo,portllQi Sq, Fl. @ $ ,
Toll1l Etltifllltlod Coat New
I; C".. ;'i"~',1 1'L1',''''iLl''81 10 E,',JIlI(lfll/l1
o Do~,o"lI11"" 33. ~1l1 1].000 Q
()
Oaprot:1810d VlIlllO ollrnpfOVllf1lOlllll .
"A!I.jfl" Valuu of Sitolrnpr(>Vtllnont9
,., $ 117,9J1
~ 3,~.0
4" 93~
1 L 256
$ 107,359
28,500 Comnwnlll on Co,l Appro/lGh (OUO" Rl:I fWurCfI of 00111
65Iimal", Sllll valllll, &qUfHO 1001 c"luuhttior\ I1l\d hlr HUn,
VA, und rrnHA, tho OBllfTll'ltod 'ollloinlng lIonnornio 1110 of
thll plOportyl:
~7.K 2S In _" ,1"SU,
_6 x 16 . _~_6.
7.7 1\ 3 1/2... , B
J\2 K 3 ~'/2. .42
1,ll.3
ESTIMATED SITE VALUE. $
ESTIMATED REPRODUCTION COST NEW O[ IMPROVEMENTS
U,QQ
I OICA
46.261
$
$
.... ..' $
C L' N ,I
75 Windy Hill Road
61,OU FW1CUQJll!lt Nil j~'l!Jf!!I\lI.!lt; Mil Ql\lyQPlL
11,500 b~trn;-QQm., J>";'P,~t!uJ.n.t.hill.n~[u..g'_t
, i n
~!l.RAaLE ~o. 2
13 Newville Road
C I'A .E 0.3
614 Oakville Road
, $
u!~(!!~!!l!~!t l';!.~!u!\Ot...
.1?,!L"r!!~.
~~,t!!Q'!,~1 U.L!:!!.L
(J'1I ~"":l'o'
. ,!lILL.
,Ita. ._.___."_.
Inepection
=:E;"~'._-
J.u.,....U._..~~....~......
Court Houee
___..._,.... ~ mil'_T;......~____
!~ _------1Uu.~-
.Lil.....6.L,.._.,JjJL..___.._,.. JM...ll......JilL..c..._...._
Inepection Inspection
_y.llr,~~t!~I.'. 5t!\,';,I~
'{!'L.'~_~Q.o!.~~ 1 ~1L~~.
OfSCRIPTI N
~ 1.:U~jy!![!\!.Q.~ ...._-.ill1f!ill'l!9..N
Conv
..,........... N2n!L.._...
.._,.. .'l.:~S__....
:J'lt~':!.~!t11l.. __~gJi!ElJQ.r,;l...
Cony
......._.....liQQ....._,...
____. ....~.:.'Z..::2L.._n
.~J:1.L!'.!!l::!!.\m~':'L
SIIIIO' r'I1'''C'~
COllen110111
.JHl~ .~~ ,~~LlU.!r:!~..
.J.'l~.!1'2.!'.._._..._~___ ~----
J.!!!!t\Oldif!.!',,~'!'.e!!.... F Simple
J.L~
_tno.Q..
_.Q.U~!U'~..H.!I_!I
Q.'!!!i.!r 0' CO~UuellOn
1\"
AJl!._____._
-~
~-~....
,.,:::ondl!~2~.._,_..___
v
A
~ Abo~IGlldll
~
I
i5
I
y
~
-1000
,,'
,m
.,
Room Count
7
L
9.!.'l!!.J..!..'!!J:aA'.!L__ 1
8Mlmlnt 60 FINlhed Pull
.~~~~~..:~~~--_. ~-~_._.
f.~~!!2D!Uli!!!!L__._._. _~ L-
....!!!!l!~'f:~.ll~._____ !{A-=-~__.HA-- Yes
tf!lJ..9.d!f.!s.!.!l.!:)L!leml Fir 1 P 1
UII!'l"iC!'J!:'!.!..L_.__ ~.~~ l, r
rorch. rltlO. Dle~. Porch porch/ deck
F!!.!.I!l~~.!K_~ ,Q~~ ahed
,
.F.
-4
1
flncll..PooL.'!!S..__
+ JiJ:!L-.-
ArIIU'IOd S.I.., f'IICO w.t'''' l.!Ll N.t' III .).4
.'.(,c'm~~~,-__. _~ .,~l. 20.' ____9. I ..9.L 0
CommlnlB 011 S'11t Complrilon(lncluding 1M .ubjlct ploptrly'l comp.tibllily 10 Ihfll'1ollighbor~lOod, IIc,): AlL~ are b~~.AlL-_..._
Jl1t~Sale 112 haS.l! larae number of ad1~____..__...,..._____..._.._,_____.._.._.__.....___
elA~L
+
IXl"'L-..oJ.
~~:'::~~';';;:::J"..::;~~':~~;;:~^'::'~ ~:~: .I::;;::~;i:~~:.,,;~f:.:.~~~: ~~~
."""",,, '",,,,.., t 1
-~._--,.- ----- -- ...~_..-_. -_.~----~-------~---- ---,---,---,--.",,-,-
Anlllylll olll1y C\.If/Onl ~l"mlnt 01 nl., option. Of 1111111\1 01 the lubJlcl ploptrly crod InllYl1t 01 .ny prior 11101 of lybllOllnd romp.rlbl.. Within OM yllr ollhe dill 0' Ippr....I:
.sl!!Uut..IlQ.t_LQLD_~LU;...tll;j..J,~rul.J.LMlP.n.~,JI!llLtQLthLl!:JJ;l.te of Brucs Dvarman.
.__._._-_._--_.~--_...-~--_.._----~--_._----_.--
Mo..O'ol R n ultlllor
.. .. .. ,.. $ il...Ji.OL......."
$ N/A
lt1IIN""Uli""~1I
_ l\.jblOCI 10 rompletlon per pl'''1 .nd 'PI~lf;ClllOn,
Condlllons 01 AI'I)!II'II :l\PP.;:tt!sod as..~L~.t.~~Li,gI\.J!......QrackjL_~.ll.-~~l!l~___.._.____..________~._---..-...-
,,," """",,,,,,,, SJppMI!Y! is Da~~on the Market ~j,!l....order to s~~ the deeins .QUM.____
~ ,!l~.U!..J!t. ,t.!!:!..IL!;:!..!!IIL and the .Q.Q!!..\;....l.oDroach .will add sUDDox.LtQ_!;h:!..L.n.".JQ!lJ..Q.l..L.Ylil1&~___.____.~_..
I
~
...-...-.-..--..-- ---------------_..._---_.._-~._---_.__.__._--_.~-~_._-------..---.. ...
\'I... pulpoll of lh" Ipprllul ;110 Illlim.tlllhe m'lkel vllulI 01 tho re,t property lh.l II the lubl,cl ollhl' leporl. bile<:! con the lbo~1I COMlltone.nd lhe clrli',c'llon. contlr.genl ,nd hmllHl~
COnd,\l(l,.... Ind rnlrke~ vllull d.flnIllon lhltlfe 'l~~ed In lhe .tl.che<! Fr&ddie M.c Form 439tF.nnll MM FOlm 1 OCo4A lRIvI.ed 6 ~ 93
I lWEI ESTIMATE THE MARKF.T VALUE, AS DEFINED. OF THE REAL PROPERTY rHAT IS THE SUBJECT OF THIS REPORT, AS OF
. .2L.6.QL__~.
JanuarY Vo. 1997 (WHICH IS THE DATE OF INSPECTION AND THE EfFECTIVE DATE OF THIS REPORTI TO BE
=" c:.r.~i-fY'/f~~'-#-~-- n "'""0," -----..
~:~~'n~~ s,~~ ~\;~_ 2~, _~99.?~~ _? -=- ---- ~:~~Ilf\~pon ~iiy'~u .
SUle C.ell,I,t'I,(,r, '~!LQ"060e-J,. _ ~\~!~ P.7\
(), ~;llle IIUtr'u" , 1\ ~;t"t.. N / ^
9UPf.RVt9QAV APPRAtsEfHONlY If REQUIRED)
DOld Dn'dNol
tl"peClf'IOI~lly
SIll" Ln<l,lir"ll~n ,
~11~e
(l, ~; I nl" I " fin'" ,
~1"1"
I !~d~~" '~-;l ""111> 10 to 'I 'j
M{', ~ I',,".'"'' cd 1\\ Illflvftl"I',,,,,..llfl'A>lli<1l 11111
1''II";,,,f.'
1." "Il MI.. I,,,,,, 1{'<.'~ ,,1):1
.
CORNERSTONE APPRAISAL SERVICES,
File No. L~7.003
DEFINITION OF MARKET VALUE; Tho mUBl p/obtlhlo prHlo which 8 propfHly should brinu in "oompotitlvo and opon market
UndtH till oondhions r~quj81lo to... fsif 8/110, tho buyor rlfld (,nllo/, 080h actmg prudontlv, knowlfldgoBbly and anumlno tho price Is not
affl'l{lfllld by undue sllmulu8. Implioit in this dofinltion i8 tho OOf1SUfllll1allon of a ule ilS of 8 lIJ>ocUlod dllle and tho palling of Utltl from
sailor to bUytH 1I1ldi!H oondltlon\! whorobv: (11 bll~flr and Ilollor /HO typically moUvsled; (21 bOlh partie I are well Informed or well IIdviaod,
"net 'Ilteh lI(lting in whal ho Qonsidols hiu own borll intorflst; l31 a fOll80nllblo tlmo Is allowed for oxpo\!lure In the'! open market; (4) pay.
Int.nt hi mAd6 in tnuns nf ollsh In lJ. S. dolinfll or in lormB of finonoiltl Hrra!1g0fTlClntli oomparl,bla theroto; and (61 the prloe reprennt"
the r.ormal conslderetion for tho pH.lpertv Hold unafloottld bV speoiel or oreativfl finanoing or l.lalo8 oonMlRlon,. granted by anyone a.-
lIooll!lted with tho 8010.
-- ---~
Adl\Jstmen~8 to the oomparables mU8t be mlde for speolol or oreatlve flnanolng or lilies oonoolllon8. No adjustments are neoell8ary
for thaso OOlts whloh lire norm all V paid by IOlIe(8 fI! a rOlult of tradition or law In a market ItOl; theu ooet. ate rudllv Jdentl'llblo
81noe the seller pay I theu oOsto In vlrtuallv all tales lrrmsftOllons. Speolel or oreatlve flnanolng adjultmentl 01" bit mado to the
comparable property by oomparl8ons to flnanolng terms ofhHod by 8 third party InsUtuUonallender thAt II not already Involved In the
property or tranlaotlon, Anv adjustmont should not be oaloulal&d on a meoh8nloal dollar for dollar oost of the flnanolng or oonoouion,
bUI the dollar amount of anV adjllltment III\0uld approxlm(lto the market's reaction to tho flnllnoing or oonoe8lions based on tho app-
raiser's jw:1gment.
STATEMENT OF LIMITING CONDITIONS AND APPRAISER'S CERTIFICATION
CONTINGENT' AND LIMITING CONDITIONS: Iho 'pPI.I..r'. OOlllllootlon Ih.t opp.... in tho oppr.I..1 r.port i..ubl.ot 10
the following oondltlons:
1, The appraiser wlll not be responsible for matters of a legal nature that affect either the propllrty being apprallOd or the title to it. The
appraiser assumos that the title Is good and marketable andt thoreforet will not rer',der any oplnlonll about tho tltlo. The property II epp-
ra;s&d on the basis of It beIng under responsible ownership,
2, The appraiser has provided a skotoh in the eppralul report to show approxlmtote dimensions of lho improvementst and the i'lketoh Is
Included only to assist the reader of the report in visualizIng the property and understanding the appraiser's determination of its slle,
3. The appraiser has examined the available flood maps that are provided bV the Federlll Emergenoy Management Agenoy (or other data
sources) i)nd has noted In the appraisal repOrl whether the subjf:lot site is located In an Identifiod Special Flood Halard Area, Beoallse
the appraiser h~ flot a surveyor, he or she makas no guarantees, express or Implied, regarding this determination.
4. The appraiser will not give testimony or appear In court beoause he or she made an appraisal of the property In question, unless
speolfic arrangements to do so have been made beforehand.
5, The apprailler has estimated the value of the lend In the oost apprcaoh at its highest and befit use and the improvements at their oon-
trlbutorv value, These !!iIeparate valuations of thaland and Improvements must not be uSfld In conjunotion wJth Bny other appraisal and
are invalid if they are so used.
6, The appraiser has noted In the appral9al report any adverse conditions (such as, needed repalrtl, depreoiatlon, the presenoe of heur-
dous westest toxic substancest eto,l observed during tho inspeotlon of the subJeot property or that he or she beoame aware of during
the normal rOflearoh Involved in performing the Itppraisal. Unloss otherwise stated in the appraislll report, the appraiser has no know.
ledgEl 01 an.,. hidden or unapparent conditions of tho property or adverse environmental oondltions (inoludlng the presenoe of hazardous
wastes, toxic substancest etc,) that would mek.u the pr('lperty more or loss valuable, and has assumed that there rHe no 8uoh oondltions
and makes no guarantees or warrantIes, express or implied, rflgardlng the oondition of the ploportV. The apprall8r will not be respon-
sible for any such condltionl that do exl't or for any engineering or testing that migh~ be required to disoover whether suoh oonditlons
exist. Boouulle the appraiser is not Itn export In tho field of $nvlronmental hllllards, the appraisal report must not be oonsldered as an
environmental assessment of the property,
7, The appraiser obtained the information, utimate8, and /;lplnlon8 that were expressed In the BppraJsal report from sou roes that hll or
she considers to be reliable and bellevos them to b0 truo and oorreot. The appraiser does not assume responsibilltv for the aoouraoy of
such Items that were furnished bV other parties.
8, The appraise, will not disolose the contents 01 the appraisal mport exoept as provided lor in the Uniform Standards of Profassionol
Appraisal Practice,
9, The appraiser has based his or hor appraisol roport and valuation oonolusion for an appraisal thai Is subjeot to s8lisfactory compo
letion, repairs, or alterations on tha llssumption that completion 01 the improvements will be parformed in a workmanlike mannor,
, 0, The appraiser must provide his or her prior written oonsent before the IflOder/olient speoifled In the appraisal report OlIO distribute
the appraisal report (inoluding oonolulhJns about thA prop6rty vclue, tho apprallOr's Identity and profonlonal deslgnatlortl, and
referenoe. to any profe..lonal appraisal organi18tionl or the firm with whloh the apprall8r il alloolated) to anyone other then the
borrower; the mortgagee or ha suooessors and a88lgn&; tho mortgagti Insurer; conlultant.; protonJonal appraIsal orgtllnlzatlons; anv
state or federAlly approved finlllnolalln,tltution; or anv departmont, BRenoy, or Instrumentalltv of the United Statn or any state or the
DiDtriot of Columbia; exoept that the lender/ollent may distribute tho property de.orlption saotlon of the report only to data ooUeotlon or
reporting 8ervJoo(lI) without hiving to obtain the appraiser', prior written oonlent. The apprail8r', written oonaent and approval m\llt
also be obtained before the appralaal oan be oonveyed by anyone to the publlo through advertlling, publio relatlonl, news, Illes, or
other media,
Frlllid~ M..: form U' (1.9)
Mes. .!>Ivilion ot ACI O'lIllopmlnl 111001801.118)
MC'.R Form lC6 Peg, 1 of 2
Ftnni, M.. Form 10048 (I.~3
.
CORNERSTONE APPRAISAL SERVICES.
.
.
APPRAISER'S CERTIFICATION:
nUl ApprClIllur (Iortlllllll Ilnd .1{lH'(ln lhlll'
1. I 118\10 fO!lOafOhod tho Rublocl tnctrklll lUOll and IHwe ~liltj(:tl\d ... 1l\l/lHI\lHn 01 IllfUll rt!lJonl Illtlos of pruportlell moat Blmilar llnd
pro.ll:im81o to tho !Iubjocl proportv fur coilsidoflHlofl in thu IHlln~ (lOn1ll1Hi!.on OflfllVlIl" Iltld hovo mlld() n dollar Ndju911ll0tll when
opproprialo 10 fallot.llho nllHkcl reaation 10 thoan itolm tlf Hlijnifiollnl varilltiun. !l 1IIlIgnllwnnl 110m in It oompufablQ proporty jfl 8upor-
lor to, or more favorable than, tho subjoot prupnrly, I hllVO fnRdo a nountil/a ndjulItnHJll1 10 rodl.loo tho adjuBtod 81l11e. prioo of thft compo
arable, and if a !ignifioant Horn in a oomparablo Pfoporty is infmlor to, IH hUHI favorllblo thun tho subjoct proporly, I havo made tI pOI
hive adjustment to il10rea&e thfJ adjusted aales prioe of tho oomptHtltJlfl.
2. I have taken Into oonslderaUon the faoton that hAve an impaot on value In my devolopment of the utlmato of market value In tho
appraisal feport. I have not knowingly withheld any slgnlfioant I,,/ormation from tho appralul report, and I believe, to the bost of my
knowledge, that all statements and Information In the appraisal report are true and oorrecL
3. I stated In tho oppralsal repoft only my own plJraonal, unbiased, and profe8slonHl analvsl8, opinions. and oonolullon", whloh are lub.
ject only to the contingent and limiting oonditions speoifled In tl1ll'1 form,
4. I have no present or prospootlve Interest In tho proporty that Iii tho 8ubJoot to thl8 report, nnd I havo no prosent or prol'lpootiyO per.
sonal InterGst or biaB with respoot to the psrtlolpant8 In tho transaotlon. I did not ba8e, either partially or oomplotelv, my onalvall
and/or tho estimate of market value in tho apptalsal report on the raOB, color, roliglon, SB)(, handloap, familial stntuI, or national origin
of eithor the prospeotivo ownern or uOOUpRnttl of the subjeot property or of the prosont ownors or oocupanu of the properties in tho
vioinity ot the subJeot property,
5. I have no present or oontemplated future Interost In the subject property, and neither my current or futuro emplovment Mr mv
oompensatlon tor performing this appral8ells o(.llltlngent on the approiud value of tha property,
6. I was not required to report a predotermlned velue or dlreotlon In value that fayors the oause of the olle,"t or Rny related part v,
the amount of the value estlnlate, the aualnml!lnt of 8 speolflo rosult, orlhe ooourrenoo of a subsequent event In order to reoolvo my
oompensotion and/or employment for performing the appraisal. I did not base thtt appraisal report on a requefted minimum valuation, a
speolfio valulltion, or the neod to approve a speolflo mortgage loan.
7, I porformed this appraisal In conformity with the Uniform Standards of ProfeSSional Appraisal Praotioe that were edoptod and pro.
mulgated by the Apprftisal Standards Board of The Appraisal Foundation and that wero in plaoe af! of the effeollve date of this appraisal,
with the ex06ption of the departure proYlslon of those Standards, whloh does not 8pply. I acknowledge that an estimate of a reason-
able time for exposure in the open market is a oondition in the definition of market value and the estimate I developed is oonsistant
with the marketing tIme notod in the n13lghborhood s80tlon of this report, unles9 I have otherwiso 8tated In the reoonoiliatlon s80tlon,
8. I have personallv inspeoted the interior and e)(terlor aroas of the subJeot property and the exterior 01 all properties 1i8ted as oompar.
abies In the appralsal report. I fUrther oertify that I have noted any 8~parent or known adverse oonditions In the s~lbjeot Improvement.,
en tho subjeot slte,or on !jny .Ite within the immediate vloinlty of the 8ubJect proporty of whloh I am Iware and hive mlde adjustments
for these adV8t8e oondltion8 in my analysis of the property value to the extent that I had market evidenoe to support them. I have also
commented about the effeot of the adverso oondltions on the markotabllitv of the subjeot property.
9. I per"onaily prepared all oonolusions and opinions about the real estate thot were 8at forth In the appraisal raport. If I relied on sjg.
nifioant professional ataslstanca from any Individual or Individuals In the porformance of the appraisal or the preparation of the appraisal
roport, I have named such Individual(sl and disolosed the spoolllo tasks perform6d by thorn in the rec'.Onoillatlon 8eotlon of thl8 appraisal
report. I certify that ar,.." individual so named Is q\l8Hfiod to porform the tfl8ks. I have not authoriled anyone to make a ohange to any
i10m in the roport; therefore. if an unauthorized ohange is mado 10 the appraisal roport, I will take no responsibility for It.
SUPERVISORY APPRAISER'S CERTIFICATION: II a supervlsofV appraise, signed the appral.er feport. he Of she oerlltle.
And agrees that: I direotly supaNise tho appral80r who prepared the applaisal roport, have reviewed the appraisal repolt, a9100 with
the statemonls and conclusions of tho appraiser, aghHJ to be bound by the Appraiser's Cortlfioations numbered 4 through 7 above, and
! am taking lutl rosponsibility lor tho appral8/l1 and the appraisal report,
ADDRESS OF PROPERTY APPRAISED: 5 Mud Level Road. Shiccen8bura
APPRAISER:
~~~:~ure:~q.;:~r
O.'e Slgne~_.2.L....illl. '_'_
St.te COItllloatlon No.: Glo_:J.QQ.ill .. I. ____
or State ""on.a No,: 1!!!,..,Q~1iL.:..1L__,___
Stole: P.~......_..__._...., _______._..______..._
expiration Ollie of Curtificalioll (lr lIoonsu: IIYruL.3.OJ.-.lU_l..._
SUPERVISOIlY II ?PRAISER (onlV It fequired):
Signature:
Name:
Oa'e Signed:
Statft Certification No.:
or State L1oenso No.: _~_,
Stete: __.____
F.~lralion Date of CanUloatlon or L1oente:
LJ Old 0 Old Not Inspeot 'he Property
f/fIoI!dll MI~ rurm 43l1' 6,ij)
MCS, I Dlyirlon (If ACI O.\'I'opmlnt ((JOOI U7-7783
Mea I'orm LeG PIIQI 2 01 ;I
Flnnll MH Fom! 10048 e.93
I
I
CORNERSTONE APPRAISAL SERVICES.
Fil. No, L97 -003
1l9r'"~,w~fIQII~n\I';l!r;U tM !J! ,flYl!m<M!
. . f!'QQoM. M~t.~~LMv<1 X"Y~ll!Q!l\l
_1dt.\'..~W~\L__n...
Lundof l'x:.l.I!.! tlul 11:, Dva=an
Thi~ Multi.Purpollo SupplorntHllill Addondum tor Foderally Rolatod lriln~iH:tions Willi dOSIHlWd lu prol/ldll tho lIPI.Hllis!Jf with a l:oflvonlont
way to cornply with tho current appo'/lisnllllandlltds B!)d HlqlllftHnUn\!l rd thu Ffldotlll Dnpusit Ir1!HHilI1C11 Cnrpnr"'tiorllFDICLtho Offioll of tho
-f2!.!Jf:'I,olltH 01 CW((lIH.:V (oC~1.-IJll!...Q.!iW,il.J!lI!wlL!J.llill'.t\,!"ilJn lOTS) the flmHllulioll Trulll COl!wrtHio/l line) 8nd tho r:~doral H(!IiOrV6,
MULTI-PURPOSE SUPPLEMENTAL ADDENDUM
FOR FEDERALL.Y RELATED TRANSACTIONS
------..--..----..---
CI.J\J '.lJ'{,C.\AmPQ 1;' tfJ\~
~J(n~ PA
ZIfLQ_{,g,h!
_1n.57
The Mufli-PurpoM SuppfMltontaf Addendum ill 'Of \1M wjth flny ftJJ'P,...... OI~V I..hMe
8UUomenta whjoh havo 00011 (lh8tlked bV thu appmiBor OPt.l.,. to tho propurt.f bolnu opPflMBed,
PURPOSE & FUNCTION OF APPRAISAL
Tlltt purpOS6 of the appraisal Is to llsllmttt6 tho tnllfklll va!uo of tho subjoct propllrty flS dofinod horoin, Th6 function of the appraisal IS
to a~6i9t Iho alHlVeJ'narrwd Landor in owtluating tho subloot I1rupl'HlY lor ll)ndinu plJrpu9(1s. Till!! i!! II Fodorully reluted transaction,
....-....
EXTENT OF APPRAISAL. PROCESS
--
[iJ Tho appr<llsHI is basod on the inlormtltion gathered by tho ilppralllor from public rocordfl, oH\ol idonliflod sourons, Inspeotion of tho
sub/OCl propertr and rmiuhborh(lod, <lnd !lolection of cornpilfllblo l'Ialofl within tho subjoot ml'lrk1.'lt aroa, The original SOur06 of the com.
parables Is shown In tho Dflta Souroo lIection of tho market grid along with the souroo of oonfirmatlon, If available, Tho origl"al sou roe
is prnsElntod first. The 9ouroas And elata ara cOllsiderod reliable, Whon (Jonfllotlf'lg information was provided, thtt souroe deemed most
reliablo has beon used, Data bellavad to be unreliable WdS not inoludod In the report nor usod 88 a basis for the value oonolusion,
iii Tho ROPfoduotion Co.t i. ba.od on ~i1dina lUl\t~kh Buildina COSu.
supplemented by tho appraiser's knowledge of tholooal markot.
ril Physical depreciation is basod on tho estimated offective age of the subjeot property. Functional and/or external depreciation, if
present, Is specifioAlly addressed In tht! appraisal report or other addenda. In ostimatlng tho sito value, the appraiser has relied on per-
sonal ~,nowladgfl of the 10001 market. This knowlodg~ is based on prior and/or ourrent anlllysls 0/ site sales and/or abstraction of site
values from sales of improved properties,
[iJ Tho subjoct property Is located in ell area of primarily owner-ocoupied singlo family residences and the Income Approaoh is not oonsl,
dored to be meaningful. For this rea!>on, tho Income Approaoh was not used,
o The Estimated Market Rent and Gross Ront Multiplier utilized In the Income Approach are based on the apprulsor's knowll!dge of the
subject market area, The rental knowledge is based on prior and/or current rental rate surveys of residential propt'lrties. Tho Gross
Rent Multiplier III based on prior and/or current ~nalvsl8 or prices and mltrket rates for rosidential properties,
o For income producing properties, aotual reJnts, vaoanoios and expensEls hflve boon reported and analyzed, Thoy have beon used to
project tuture rents, vacancies and expunses,
SUBJECT PROPERTY OFFERING INFORMATION
According to gi.tAtL-...____....________.
fiJ has oot boon Mfored for salo in the past 30 daYfl,
n i$ cunondv offered for salo for $ ______..._..._ . _..._
o was offered for sale within the pllst 30 days for $ ._'__'___'.""__
o Offorlng Information WilD consWorod in th0 final rooonclliation of valutl
o Offering information W~ not cOIuOOortKt in tho finlll reconoillation of valuo
o Offering information W89 not IJVBiI~e. Tho rl'lasons for unavailability find
addendum,
the subject property:
the steps taken by the appraiser ere explttlned later In this
f--
SALES HISTORY OF SUBJECT PROPERTY
tJ~::i=t ~:o~~~;~ ~;~?~~~-~~-;-;~-~i~o months ,_'u, - --- - [Xl
[l has tronsfSHoo in tho past t wolve Illonttn. []
o All prior sales which have occultod in tile past twelve months iHO
_ __~~?Q.~'y..Q.U.h~ ..r.!wQ!1.Qf..LtU.11e_~p9j.m1'-----~..~---..---,,,.
.'"_...J~.{t~_._..r--~!!!Qp-E.riQ..f?~--- _~__..Q_29.Hr.nQ.nL.~.. _,,,.
the sllbject proporty:
haN not transforred in tho pflst 36 months,
tit'S trons'urrod ill the I.I<ISI 36 monfhs,
11!:~dd below and reconCIled 10 tho appraised valuo,
either in tho
. _.___ _ _ _ _ un. __ _!:::~------
.. ~:~:~ ,-~~ .- :::: .~Q~~--::-_:. '.:_~-_: ~=I=-
Buver
---.-
--
FEMA FLOOD H!,ZARD Q.AT A
..... :.:.-.-.....
!XJ Subjflct prop~rly Iflnot looat~ In a FEMA Spoclal Flood Haznrd ,"'raa.
-w.yw.QJ.mt,9.L~Li!L!ggP.t!~tjtU! J~A Svoclal FI.Q9iLJjm:Jlli'l.~.l!!.~~' ___.~__ ~ ,_
_.____1.Q.!lt!_~.__" ""...__...w,.._.....~.,...HJ~t~_M~!l!L.E_{!Jl~_______~_._..., ._.._J~_JlJLDal~. _____.__ . Name of C..2!IlIIl.Y.Oitv __
___....~___.... ~_US_n^ ,l!'!!n~1.!)Qur1nt.t;lJ____.._ ~-1Q--Jl_,!__ rj;h_J"QJ,r1Qn_~______
fill The community d04t. panioipa1o Itl th(J Natiofllll Flood Insurtlflco Pronrarn,
[J The community does nol parti(:ipato In tho N.HlOnal Flood InSlHellIC{I Program.
fiJ II is cl.worod by 8 fogol..r pf(j(~ram,
IJ It Is covered by un om~rgency prO\lflltll,
i
'-olm MSA
NICS, . Dlvleion ot ACI Development lBOOl 691. 77f13
,
CORNERSTONE APPRAISAL SERVICES.
---.. - , - -. .........-."....- ------ '-. '__"c'_ ...... -,".. -.,,< , . .._'.... -
".',-;,' ,-,-,','" CURRENT SALES CONTRAOT
i--':.-\''':- :,
~~ - - - -
o Thu 8ubJoot propttttv lfj ourrentlv nbt undor coofrool,
n Tho oontracl and/or l.tSlOfOW Ins:truotionfl woro not .ftvallabltJ for rnvinw, The unavailability of tl10 cnnHaot 19 8l<plalned 18tor In tho oddondl!
f1oatlon.
II Tho contract tlnd/or (I!icrow instruotlons were roviVW6d. Tho follow-lnO summarilus the OOl1trll(lt:
Con\ronl Oalo Arn(lfldmefll Dnto Contrllct Prien Seller
----- ---- ___n_n_ .._-~-----~ ---<-._.._~~----. ____~.n.._.___..'"L"__
II 'rho oonHLlo! IndioBtfld ltU'lt pOfflOn8t property wall not Inoluded in the sole,
[] The uontraot indloat~d that pflr80nal property was Inoluded. 11 consisted of ~~_._-_. _~4_._~..__.____
o PB'r~onal ;~p-e~;-;~.;_;l~;;~luded l;th~~;i~~I~;;~I~~~;~. ----~ _._.......~---_. Eatlmated oontrlbutory value, 18 $ --~--~~-
[J Personal property was included in th~ final value ol<llmattt.
[J Th6 oontraot indioftted no financing cono08sionll or other Incentives,
o Tho contraot indio8ted the following oonoossion8 or Inoentives: ---~-._. .. -
o If conc~'~'~~n(l (Jr-j-n(l~ntlvl\8 ~~8t. the ~mPQf~blo& we~e checked.-i~;-~lmII16( oon089910n8 And APpro~~~te adJutltments wore made, If _w_~
if 8ppHooble, 80 thllt the final value aonolualons ie In oomplilHlOe with the Market Vahlo defined horein.
MARKET OVER-VIEW -
If'lllk.<d. anflXfl~~i(llll)r lIU'f\'l1'l1 m.t~'" 1Wf\<t"I\'lJ'l~ fllW ~'.f1<1.,
---- months is oonsidered a reasonablo fl1arke1inH pari ad for tho ~lIl.Jlvct proporty basod on
I ....-. , ..".~--._--_._~.._- ...._.__.~_._---~----- .-"------.-. '0. ~____ ...- ..._._.~.----------._~_..- _..~_.._...-._------
I - -- .. .---_..-.__.... -... _. ...... .---.-- .....-. ---
.......--..
ADDITIONAL CERTIFICATION ., ....,.. '...',. .'.
- ---
The Appraiser oortifjes and agre66 that:
111 The lInnly6o~,opjn/olls, and conclusinnfl wor6 developed, and this roport was prepared, In conformity with thn Uniform Standards of
Profof;sional Ap~rllisal Practico("USPAP"I. and ill aooordance with tha re~lllatiOn!l d~velopfld by tho lender's Fedornl Rflgulatory Agenoy
as required by IAREA, except that the DepllrtlJre Provifllons of tho USPA do not apply.
121 Their comf6nsation is not contingent \lpOn tho repottinfl ot predetormined vallie or dlrElOtlon in value that favors the oallse of the client. tho
amount 0 the value estimate, the attainrnerlt of fl stipu atod result, or the OOOllffence of a subseqllent event.
131 This appraisal assignment was n.ot based on a r(')/.1uost~d mininlllrn valuation, 11 spaoitio valuation, or the approval of a loan.
.. AODITI()NA"'(~NVI~ONMENTAl) LIMITING CONDItiONS
.'.
The valufl estimated is based on the assumption that the properly is not negatively affected by the existflnc(J of hazardous sllbfltances or
detrimental environmontlll conditions unless otherwise stilted in this rElport. The apprAiser is not an expert in the indentificatlon of hazardous
substances or detrimental environmental oonditions. The appraiser's routine lnf;peotion of and inquiries about the subject property did not develop
any information that indioated any apparent significant hazardous substancos or detrimental environmental conditions whioh WOllld affect the
property nEl~at!vely unless otherwise stated in this report. It i~ p09sible that tests and inspaotions made by a qllalified hllzardouB substance and
environmental export would revE'IfII the existence of hazardous substances or detrimental onvironmental conditions on or around the property that
V\'.(lu_ld "Q~aJi_~61~e.gJ.,i,~_s. \I~_1,1l6. , ,
ADDITIQNAlCOMMENTS i ,.
" . '., ".'.'
- -- -.
- --.-- -
APPRAI$~R'$ SIGNATURE & L1CENSE/CERTIFSCATION
- ......
Appfai..f'. Sign.tu," ~d.l:::?'-2~"'~'-~__...m' Effactiv. Oat. Ol,~_H2_ Dot. I'f.p.r.d Q1lQ17___
Appfal'.f'. NltmaRQ:LR ..,.,,,q J!:...._. _'_'__"~m____.._~____,_._____..__. Phon. # .(717) 53~,mL_
Stat. PA ~!l!i' IYl AToltlf;ca.lon .".. 0006RB - L RB Q42347 A Tax 10. ',.
CO..$!GNING APPRAISER'S CERTIFICATION
.
o The co"signing 8["lpralser has personally Inspected tl10 subject property, both :nside i:lnd out, and has made an oxterior inspection of all
comparable sales II.!Ited in the. report, The roport WIlS propmfJd by Ow HppraisfH lmder direct ~upNvision of tllfl co.signirl{) apprai:>er, Th.
eo.signinu appraiser accepts rtJ~pon\libil(ty for tho contonts of tho roport inoludinu lh'~ valllo conclusions and thB limiting conditions, and
confirms that tho cortifieations- apply hilly to the r.{).SI~pliIlU <lpprmsor,
o The co-signing appraiser tHIn nof personally insptlctod the interior of the subject property and:
o has not inspocted the oxtorior of tho subject property and all cOlllpuruble sales listed in tho report.
o has inspeoted the extOlior of the tlubjoct property ilnd all comp<Uftble sales Ii stud in tho teport.
o The report was prepared by the appraiser undor dirllct supervision of the cO-l'linnlng apprahler The oo-signing apprals6r acoepts
r(lsponslbillty for thft contonts of the roport, including the valun conolusionv and the limiting oonditions, and confhms that the oertiflo8tiono
apply fully to the oo.signing appraiser with thfJ exoeptlon of ttle cenification regarding physloal inspeotlons. The above d08CI'lb61 the level of
lnspoctlon pettormQd by the co-signing appraiser.
o The ao.slgnlng appraiser's level ot In5pootion, Involvement in thl) appraisal prooess end certlfill8tion ara ooverori elsewhere In the addendn
seotion of this apprai!l8l,
CO-SIGNING APPRAISER'SSU3NA TURE & LICENSE/CeRTIFICATION
-
Co. Signing
Appraiser's SiCJnaturo_.__~__. _.~,._- --.----------..---.-. ."~~ _.._.~w..., ----.-. [ffoc-live Dahl .._u____..__ Dat6 Pre~arod ______._
U ~;~~~g"ing ~p~~:~~: Nn~~:_~~ficat~-'--~~'-~_~~:_~~~:~~"' .--- ....- ..."-~~.".,-.. ...--"--.---. Phone" _._-~_._--
T.v 10 #
. -.. .-.-... -.. ,- ---_.~ ,- ..
FormMS.4
Mes.. t1ivitlonor ACI flevelopmlllll IU(lOl 697.7103
,
CORNERSTONE APPRAISAL SERVICES.
FII. No. ,t.i1..~L
---,- .... ... .. ------- .,...... ______d___ u_ ----. , - ..... ....-----
- - - --
ENVIRONMENTAL ADDENDUM
--.... .
APPARENT" HAZARDOUS SUBSTANCES AND/OR DETRIMENTAl. ENVIRONMENTAL CONDiTIONS ,
"Appllrent Is defined 11& that which Is visible, obvious, evident or manliest to the appr~
~"'.."''"'''''' ,""t!o ,. "',_- J
Add"", 5 I!v\1 Lllv,~ ROllI!
City Sh~wmlll1~g ClIllllly Cl1XJl.b'ilrl(lJld Slllln PA ZIP ()odlll'lZ57
1."d'fPnl!it~ 11:. DyOX)!lt\n
-
C - ~
lho un;vursm En....ironmontal Addendum i. lor tlno wllh ""y real OltO(O approilflll.
__ Or-Jy lhe Ilalomenta whloh have boon checked by tho 1Ip'/rahun upptV to Iho property boing eppr..od.
This addendum loport!:llho rosults of th('l appraisnr'fl routino Inspocllon 01 uno inquirlns obOlJ1 thu IHlbJeot proporty find its surrounding area. It I
also statos what astlUlnplions woro mlldo about the OKlstOflOO of (or none,,;istolloa) of any hRlItrdollS suballmob8 and lor detrImental elwironmenu,1
condItions. The appraiser I, 001 em expert envlronmenlal in.apevtor ann thorefora miqht be unaware 01 existing hazardous 8ubstflnclU and lor concJ-
ition(l which may have a negative efl(lct on tho saloty and VBluo of tho proporty. It III p08lllblo IhlJt tosls and inapeatlons mado by . quuUllod
onvlronmontallnuptHltor would revoa! tho ttxlstnnao of hazardous n1hturlals and lor JntrimontaJ enviroJlmolltal oondltions on or around tho property
thot would negatively afloct 119 safety and valUE!.
DRINKING WATER
[] Drinking Water HI supplied to the Sllbjoct from ol nlllflicipol water supply which IS considerod safe. Howovor tho only way 10 bo l'IbsoltJlely
certain that the wator moots publIshed standards is to have II toslod at all ulsch/lrgo pOIfHS.
[iIJ Drinking Water Is supplied by 11 well or other non.muniolpAI sourco. It Is rocolllll1onded that tosts be made to be oertain HUll tho property
is supplied with adequate pure wator.
n Lead can get into drinking water from its Sl)urce, tho pipes, at all disoharue points, plumbing fixtwos and/or applianoes, The only way to bo
r.ortain that water cloeE not oontain an lHl8coep"ible lead lovel is to hllve II teslod At all diflcharge points.
IiJ Tho yalue estimated in lhis appraisall, based on the 81Sumption that thero is an adequate supply 01 sale, lead-free Drinking Water.
Comment.'i ~---~------~-----_._------- - .----..-
. --
, SANITARY WASTE DISPOSAL
--
D Sanitary Waste is ramoved from the property by a municipal sewer system.
IiJ Sanitary Waste Is disposed of by A septio system or otller "aflitary on sito W{lsto disposal system. The only way to determine that the disposal
llystem is adequate lInd in good work.ing condition is to have il inspected by a qualified inspector.
[iIJ Tho value estimated In this appraisul i, basod on tho Bssumption that the Sanitary Waste i8 disposoo of by 8 municipal lewer or an ltdoquate
properiy pOrminod alternate treatmont system in good oondition,
Comments ---.--- -
. .,. SOli. CONTAMINANTS .,ii "
...' i
[iIJ There are no _ont signs of SoU ContamInants on or near the subject property (exoept as reported In Comments below), It is possible
that re6oarch, lns:pectlon end testing by a qualified environmental inspoctor would reveal existing and/or pottllltlal haznrdous substanoes
and/or detrimontal environmenttd oonditlons on or around the property that would negatively affeollts safoty end value,
fiI The yalue estimated in tN, appraisal Is based on the 8I('umption that the subJeot property is free of Soil Cont.nnants.
Comlllanls --- -----. --...
ASBESTOS
1111 All or part of the improvements ware construoted beforij 1979 when Asbestos was a common btlilding matorlal. The only way to be certain
that the property is !reo of friable and non. friable' Asbestos Is to have It Ins-pellted nnd tosted by a QlutUfied asbostoslnspeotor.
D The improvements wore construoted after 197a. No apparont friable Asbestos wan observed (except as reported in Comments below).
fii] Tho value estir\latMt in this appr.loIll based on the ...umption that lhere ia no unoontained friable Aibeatol or other hazardous Asbestol
materiel on the proporty.
Comments _.,.__.-~-_.._---------_.__._~~-_...._.._._-- .....---- _._---~-~ ....~_._-----.._---~~-----
r1 ~~ -
PCBs (POLYCHLORINATED BIPHENYLS)
-- -
1111 ThtHa wero no appmont leaking fluoroscont light ballallu;, cClpacitors or transformors anywherll on or /1aarby tho property loxccpt as reporled
In Comments belowl.
~l There was no app.rdnt visible or dOCllm6ntod evidence known to tho upprnlsur of soil or groundwater contamination from PCBs aflywhare
on th6 property (except "8 report6ct in Commonts below).
[il Tho vatue eNtimatod in this appraisalil based on the 811SiJmptlon that there are no unconlalnod PCBs on or nearby the property.
Comments ~--------------~_.- ..
..' '.' ,..' .. ", RADON
I [il The appraiser 18 not aware 01 any Radon tests made on the subject property within the past 12 months (exoept as reported in Commof\tll
i below).
0 The appraisor is not aware of any Indloation thet the local water supplies have been found tl) havo elevated levels of Radon 01 Radium.
IJ The appraiser Is not awar" of any noarby properties (except IHI roporlod III Comments belowl that Wflle or ourrently lire llsed lor uranillm,
, thorium or radium oxtractlon or phosphate processing.
IiJ The velue eatimated in this apprai.aI Is b.sed on tho .lIumplion that the Radon layol is at or below EPA ,eoommended levels.
Comrnentll --.-----.--------.---. -_.._------~--..,..- ..---.------ -----'-_._--_._-----...-...__.-._._----_.._~._----_._-.--_._---_.-._._-~_.
.
._____..-1
MC!';. I [)lvi"Ofl 01 ACI(1eveIQf!nlentIUOOJ697-77BJ
P~"of'J
MCSfOlmfAA
.
CORNERSTONE APPRAISAL SERVICES
., .. u_ ..-- ..--~. - -
-
""""'- UST8 (UNDERGROUND STORAGE TANKS)
.- " ---............
Iil Thoro ir. rw IfJPW'lf14vi~ibl" ur dfJCUrTllJnlo-d tlvidtirwo known to tilt) "pprllilior 01 <lny USh on thfl proporlV nOf any known historloAI use u/
tho pHlporty that would likftly have had UST".
["'] Thorll aro no uppA,ent pOlroloum ~torftHo ond/ur dallvory hHlUith'" (In{:ludill\1 UtlHolillO fllations or ohomloBI fmmUfftolUrlng pl~nllllloolltotl on
IIdjacoflt pftJPOrliOH (oxcopl 8H foporlud in Commonllll.lRlowJ.
1-1 Thoro lire apparonl !lign!! of US"fH o)(iSllflU now or illlh<, "alII on tho lIilbJoct prlllHHty, It HI rucommondod thttl an intlptlutioll by II qualiliod i
USl il\apll~,tor IHl obtalhod In doltJIrnlno Iho IOilution ulllny lJSTtl tO~I(llh6r with thoir (WnJi\iofl l1mJ plOpor flJ[i!6trfttion Ilthoy tile activu: And !
il they lIro inaclivo, 10 dofolfTlHlo whothot thoy wertl dO/tctlvutod in fW(Jotdtmuo with lIound industry pr/tQtioflB.
Iil The v"'uu oltimatod in thl. flPPUMS'*' il baled on tho n..umption that allV funotioning USh aro not 10akJng aod are property va(Jistored alld
"l$t BOV Mbandonad UST. arn free from oOhtlwninotlon and woro proportv druinod. flllod and 9111111td.
Comments .-----.---- ...-.._- ---..-...-.-- -_..---.. ----... -. ,- .-.. ..._-.. ---. -- ---...~._._.-..~--_.... -.-------..- ...--.--.--.---,..-
NEARBY HAZARDOUS WASTE SITES
- -
fi] Thore are no ......ent Hllzardous Waste SltoR on ttUI !Hlb/oot proporty or noarby tho ollbjoot propflrty (oxoept 88 reported in Comment:\!
bolo~O, Hazardous Waste Sito soarol. by a trainod environmental onglneor may dotormino that thoro is on(l or rnOiu Hazftrdolls WastE'l Sito~
on or in thu area of the subjE'lot property.
IiJ "Tho v.uo eltimatod In thle apprulsall. baaod on the 08BUfnJ)t1on Hu.lt thoro UfO no HIWlrdaUN Wasto 51109 on or IlftBrby tho lIubject prop07tV
that fl698tivofy aHect the value or safoty of tho proporty.
Comments ...-.._~--_.~_._._~--~.-._----_. ~.. . -.--. n_______ .. -~. ._-~ ...._._-~--_._----._-----~-_..._.__._._.__.-
-
UREA FORMALDEHYDE (UFf"1) INSULATION
Ii] All Of part of the improvemollttl wore constructed before 1982 when UREA toam insulation was a common building material. The only way
tu be cOr!ain that tho proparty is free of UREA forrnaldohVdo is 10 ha....o it inspected by a q~JfJlifiod UREA formaldehVde insj.;ector.
0 The improvements were constructed after 1982. No eppalont UREA formaldehyde materials were observed (exoept all reported tn
Comments below!.
Ii] The value estimated In this appraisal I. baaod on the aaaurnption that there 18 no significant UFFllnsulation or other UREA formaldehyde
material on tho property.
Commfmts .--.- '-'~-'------- - -
--
lEAP PAINT . ,
-
, Ii] All or pari 01 the improvements were constructed before 19110 whon Lead Pmnt was a commoll huilding nHllarial. There is no apparent viSible
I 01 Il.nown dOCllmonted evidenoe of ~H~oling or flall.ing LOtld Paint on the floo/D, wlllIs or coilings (oxcept as reported in Comments below).
1 he only way to be cortain that the property is free of s~Hfaco or sllbsurface lead Paint is to have it inspected by e qualified in9pector.
0 Tho ;mprOVtlfllonts wer(l constructed after 1980. No apparent l6ad Paint was observed (OXC6pt as reported tn Comments below).
IiJ The valuo ostimatod in this appraisal Is based on tho 8ssumpti<,n that thoro is no nuking or peeling Loud Paint on the property.
CommElnts . ..
. AIR POLLUTION
fi] There are no apparent slgn8 of Air Pollution at thlJ time of the inspection nor werA any reported (oxcept a9 reported In Comment9 below).
The only way to bo cortain that the air Is fraa of pollution Is to have it tested.
!iI The viIkJo estimated In tNs appraisal Is based on the assumption that the property 11O froe of Air Pollution.
I CommunIs ~--.~.---~.~-_..._.~- _._-_..~.__..~--_._._-_.~-~.---_._.~..._-_..._..-.. ..--.._-"'----~_._.._---_._-~--- --- .----
I
I -
, WETLANDS/FLOOD PLAINS
..- - "-
Iil The site dons not contain any apparont Wetlands/Flood Plains texceptlls reported in Comments below). The only way to be certain that
the sita is froe of Wetlands/Flood Plains iEl to havo il in~pocled by a qualilied erwironmental profos!lional.
IiJ Tho valuo e8tinwntod In this appraisal I. bOJJod on tho assumption that there oro no Wetland a/Rood Plains on the property (exoept 81 reportod
in Cummon'lI below).
Comments .. ......-.-- .__._.._~~_._-_.__.._.. _._~---------.._- . -.-----_._-_.~._------"._._._-_..,---_...._~_. -
1--- - ~ -
MISCEllANEOUS ENVIRONMENTAL HAZARDS
I -
I fi] There are no other apparent rniscoUan80us hazardolls s\lbataOlHl9 and lor dOlflnlontal environmental conditions on or in tho area of the !lito
oxcopt as indicated below:
[1 Excess Noiso -~-----'.~---"_.._"'-"'-'---"----,-~.,-_.,.- ,-
[J Aautl'ltlof) & Elou!romagnfltic Radi.,l\ion o_._.._.__~__~____. _.__...__.._.~__.._~_.__.._ .----
IJ Ught Pollution "~~'.__'._'__.___._____~.~_.___'_4 ..-
0 Waste Heal ~-----.-~-_._----~.~--------
0 Acid Mine Drainage .---.-. .. .~ --0_-
0 Agrioultural Pollution - -
0 Geological Hazards - --
0 Nearby HBzardou9 Property ~ -
0 Infeotluus Medloel Waates -
0 Post joides - - ------
0 Others (Chemioal Storage & Sto'ago Drllms, fllpelinefl, etc,) __._____ _.._-~._~...,..._._-----...._-
Ii] . -_._.~_.. .------~--------___~.__,_"__._M.. ----...-..--.......,..-.-.-
The ",lIue ..Itimated lolhis appral*alll basod on the assumption that thera are no MisoellanooulI envlronmontal Halard. (OKoopt thole
reported above) that would negativolv affect the value of the property.
I Whon onv of tho onvironrn8nt~ u8!lumpllons madu In this Bddnndurn uru not Qurroet. tho ostlmatoo vatuo In thi. apprulllnl may I)(U be valkt. I
.-_.On".
MI, ~l. I {1'~I,,()n H! ^'..II)~vfll"I'11l8!11 lll(I()1 (l1l1-/ln:1
f'-'\IflJ"lJ
!l,H S 1,\1'" I "'10,
""". ".",,'M"'" ,.",""",. 'W', M, ,," ,,,' ,,,,,,,,, ,", ,,,..,,,,,,,, .M..., ''','' ","""...., '" ",..", '" II~ "",,,,,,,,.,,,". '" IIw ""." ,,, ,he ,mm."'" "",," "",. ,,,",,,,
<""".." pj,d not obt\l!;'VII follY !l,dvIlUII IInvil'Ql'lmIInt!l,l condition' Q!l Ql' nll!l,l' thlt,HII. .PI!\! t.o 11I!Lot,
~ maY be or989nt.
CORNERSTONE APPRAISAL SERVICES
FII. No, "97 -004
.
UNIFORM RESIDENTIAL APPtlAISAL REPOJolT
J1~!\!-.flL ,___~'IL<:;'1",_,,111S.1.,"-"
"""",C-1lI!lPII;I;lNlII..,
Property Oellorlptlon
-
_"t<- ..SIl1"Jl1IA11II;>W;g.
~""-_...-~<----~.. ". -.
I
,..,m,M>!!'" ..5.QQ....Q.M'l.il!llJlQf.l1- ,-..- .
.!fi!'lV__"'ti,,\.J,U,--lQ~G. ." ,.
._rv,-,,-,.w,3.0-:l.5.:" Ql~.:c.Qi,l-.-,,-
ll!' ~b.l,f.t'll' "Y1lSil1.- ----""''',,' ".'w
'" ..." ,"'h" w"..... Ji.l.t,. oiml'" .:o:;:;;J~';:::['
~J.h2:Y.5L!lu~21.f~1Wn!-...--_....---
Jf.J!j!.f..-lli.',__Lli/lt. 1!J!.\...I_ ~~@!.~-
.b!L'I9,ttLY!!!!!lSly.,J;_Ul:~__~yn<il\ .
Rov..!L Moill1~
t-llJltJln Llr...'llUlu;
[] O,,~I ',I !.i 'll, [J ..r,.}~%
o klpld [Xl Sl~ble
1'II1lffirlv y.lu~~ [J Ir,cruuwlI,J rKl $ll(,lll
llnm.r.dI~\IPI'IY n 5ho!\lliJ~ [X] In ll.I.!1~r
.._ll_t~~!l-_~..~'!.! ,__..[Kl2.:I~ .!':l.9.!,---.._.
20m
._20
1 .~ yur JI ( 1 t~!"'- . _ !l1,~,<I!L !,_Uu,m!!nt~ !
IIJl tl!tll. Q~ ~1i}!.QlI. ~1JlI.M.. -""-""'"-'- \Xl \'!<'" 0 "J"'" 0 v,."",
j'rul~CI 1YI'" [l.flllP-U ~S'I)LIQrnlf1lqm \IIUD/VA onl'{! l!!,!tc.... HJ^ /lJ1y
,~t/l.f\~I!!~.r)~II- JO~ ~S -,:j)tl~_..~t3. .~'!l~~LTr~-\ _l,~.e
..P.!!9Uit!!S'J1, !![~t__ftfn{\!d!\\ '!11('~\ .';:'!(ih'~!r.90~:..~!!l?f\l-~\l 1?!_P!!~qJ!i'-~~ll~~
..:;09 9l!~y~U,1I RQl!\Uih;lPPQ!l/lRl,!;'9' I'll.. U?57
'" rl i n A 17
__._Mq!f'!!-
,.-dI_d_198
!Xl Nutllkel;, Il Ukllly
\~llnl"Qc:on
" r~"fI'
Addln~~
{X) Au;11
tilllmlllr]'}''"
rlslo"
[] lln()l,nlr1\!
CloverlllPPll'
[IQ\!!ul.~C?k_
Singl<ol.n\tl.,.ho,.ilv.t
f'IIICE. (('001 A(\[lylll
J5 Low 1
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._._...._.... _[',~':!.9i\\In~f1t L....-.--..
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D.'Llr,~1Ur_~'1!2'l',I.-
lklll\illJ
(:Or1\ll1l1!~i41 ~_.._
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(,rllwlll rllft
I
I
,,,to.. ,"" .H'" ,he m..'''''''''' 0' ,,,,, ,..""".." ,"" ,w,."bOl""" ,,,,",,milV" .m"I"m.o\ '''',m'''''''' .mpIoV"'o\ ,,""i1i1V, """,of '0 m,,''', "','
:ULJIl'....il. L1!..S91l'W-'j'JAnt..s.Q.,.Ill~WIl'1!19_"lli\..9IDR-l.Qy:!!\lIllt.,..i!l-JJ1!L.sh~IIRQlli!llJp:...\lJ\,[ti~,.-..-,..-. -----.-,-------
..~_u_....._._
.--~.--_._-~---- .
----..---...- ,--"'
.---...-----..'.--
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.. --.---..---- .---"
,,-_.-.~-------' .-
..--.----..---
. .._____.___.__...__~__._A__. --'-'- ._~.
.--..--'---"'--- .
...._--,,_..-~ .-_. -.........---.-.-
-.--"..-.-'
M....' ''','','''''' 00 ,,,,, "",,,, eo'",oo,"'" ""',,,,,'" ",ppOll ,,, II.. .b'" ""'''''''"' ",,,.d" iI.. ,,,""I" "..".IIV "',,,", ".m.""""""'V, ."" m""""" "m. "..h" '"" '0
com","'''' ",',,"'"'' ,,, "" 00 ''''' ~""""""", '''011'''''"'' ,,,,, ",,,,,,",, ,I."" .ed 1m""'''' co,,,,,,,"', .to', ~h~!;1..arf! ,.!I,\Lllpecia1 finl!!l~--
_<<-Q!l.g~l!1ij,Qn.!-l.!L.J;.hJ.Ji3!Fea tha t _ wO\\l(t~L.QQllS ide~fL!;Y.PJ.QJ\LJm::.s.!llL. ar~L.J\t....tn:!-J!.J;J.J!lL.----
_...---,,----~.
.--..-..-."..---...--.
.-------.-.
...__.._.""_....._--.-.__..~-_.__..__..._.._~.~_.-
--_..-_.--~-_..
.--.-.-----------.
-_.---.----------..~...~----~_.._'_..-'
-~'
...--.--'-----"
.--~--------_.----~-
.--_.~~_._------_.._'-_.-
.,-.---
-----------.
liLlL--- '
--.-----------------
-
_.__.----------~--
N,
~. .- __ to< pWo III """""".,.." ,ho ,,,.,,,,,,ibuil'" "00'"'''' II. II,m' ow",,'" A""'''''O 'HOAII
ApprOl\im.lllulllf'IJml)O! 01 unit,lrolhelIubjoCI proloct
llLA--.- ,
ApprlllC1m.t. \ol.lllJmbor 01 :.mil' Illr ..III In thfltublocl ptOlocl
TopographY ~vel to road arade
Size .,~~9res .-----.--'
Shape RQ9tanaula..:r__~._._____'_'
Drainage ~GQL_.~~.---~--'-~'-~-.'
Viow ~L,._,.._,______'_
Lflndscaping TYPiC3:i~_.._-.--~--_..~-'.--"
Drlvew'Y Swl.~o s.tQ..nJl---..---------..------------.--..
AppltonIEl8omllr\\Q H...~~.~----'--
Ducrlbl common elomentt .nd fll~!0I110n&ll.eih\I.I:
-
Dlmllr'ltiol1l !lQJ..-lli~S2 acre .~- --
",toA'" ~~tt.___'_-- -- c,,"", Lo\ 1Xl~ N,
Sf"cll,C lonlflg clafo't,IICtllon.nd dncllptlcn HQn8 .--'-~---
z,",'" "mp""" 0 L.,.' 0 Lo,,, ,,",'00""""'" ,Q,""""""'" ".., 0 "",.,
HI1jlhMl & ""tl utO d 'mplovell lX) f',,,,"nl utO 0 O\her u~O (OlCp(lIm)
(Xl No 10:~-
...,---~-_.__.
.-~-_.._----_.-..~., ~.__.
_.-_._-"~---
-~_.._-~_....~~-------
TVp6
P\lblio
Privat~
l/J
...
lii
Off-sito
Improvomonts
Eloctricity li\ __--,.--- StrOO' MR.l!l\.ll..------...-.. rill 0
Ga. 0 _._____"-_. Cu,b/Gut\o' !iQ!!L-..-.-.-'- 0 (]
WO'Of (] ~l.._-___- Sidowolk ~ ..____ 0 (] FEMA SpaCIal Flood H.ZOfd A,oo 0 Yoa IXlNo
Sonit.'y SoWOf 0 ~'1\L--. Stroot IIgh" 119ffiL.-..--.-.-- 0 0 FEMA Zono -----...---- Mop DolO ~.::ll--
SlorJ!)J?~!...D--- _'__ ,__ fllaL_._JiOOIL-,--------Q--,[l .J'fJJ1A ~3lls..e.~1L-------"'-
c,mm""''''P'''''' ..",,, .M.rt"''", oo""ohmooto. .",c,,"' "",,,"'0". .Ii" "..., iII.,.I" ..g.' ,,",'00,1''''''''' ",i",. ,... .to', QJ.A-llo!;..o!a~ll..J!"lY_!!j;!~lln!L
ljIaselll....t 9L!!.!IQ}'.9ML~__l!.\lIU!l.rtJIJ;QJ,1!lrtv !;P.J\.t would affect .t!Wl~l!Q1!@l.\I estimat.t.,Q~-.-,
v 1
--- --
GENERAL Dt,SCRIPTION EXTERIOR DESCRIPTION FOUNDATION BASEMENT
No, of Units Q'illL..__.-.-- Foundal;on S_t.Q!!!l---- Slab A,oa Sq. FI,
No. 01 Sto,io' 'r'/!Q__.._.- Exlonor Wolls i\J,uml,n,lJl!\ ClI\wl Spaco ..______._'.. % Flnlshod
TypoIOaUAt\,IP.!ltaQM.Q, Roof SUfl_oo M\!_t;.~_L.o,' BOGOn1onl p~>;.t.j,!!1..,-, Coiling
Oo,ign ISlyloIL.stQ.IY-, """..., D.""" M~t~~..- Sun'p Pump ,-.--.--' -- Wolls
,,,.,,,,,,,,,,,," g1\i~J;J--"Jl. W,ndow Typo Pl?J~~g D.mp"o," "..,-----.-"- FloOl
Allo IY,s,1 Q1,Q , S,ulln/SelOO'" CQ!l\ll9 5011111010'" . Ou,s,do Enl\V
Elr~G!I~e A II YlI. Mlnull<:lureo t(<lll'oN Inl station
...B.Q.QM? .f.Q'LoL, _ bL~!<ill _.J:1!OID1L. .,,~i1"-ll~!1- _,000- E.mill'.fun, ,~.J\D.). ~g!Q.Q!lls #Jlft'h'
~ft!.~.ffi9..!ll..--.. ..~..--..,-- -_..~-_.~.,- -..-.---.-------------
,bJl\'!!LL .. 1. L_._ . -. 1..---.....
J,>i.y.!'1.~_.. . -'---
Utilities
Public;
Other
i
;;r-
f
!
~
I
if
~
~
INSULATION
....._______.. Roof .._~.-- 0
Q_~,-- Coiling _____- 0
!iQll!L-.,-. Wails ..___ 0
S.ot9!lIl----- Floo' ____._.____'.. 0
PJr.t.._-- Nona .,_,___. 0
~~!;L \ln~noWr'l ___,,__..._.~-- [i\
u dr
OL~~
NIDJLl'l.
----------~--~-
..-.--.--- 1._..-. i--- ---."
.___._,..____ _'_ L_.
w...____________ .....----- ~----. -...----
_L--
Bath 8 '
AMENITIES
FlrepI8oe\s) #
Patio
Dook
Poroh
Fance
Pool
_.___,,'__'."_ .__...~.._.__ ~_H_"
-~.-..._..-..
o
________0
o
Open ' liIJ
..__.___--'-' 0
,_----- 0
.-.__...-.~
AIl.chlld
Detached
Buill-In
,
c,..."~,, " ,m 'm",m""'" ,",..,,"io' l"hVOI"I.I,,"'\\OO", .... .",,",11. ,"""" ",."'- ,"""V" "",,,,01"", "m"."""I"'''''''', .to"
___..,---..--,--__n."---
....--..--.--- ---..-..--.----
,oIC"t
L_
r,,II. 'I, 4 I j, il~"'" ,,' ^I.IIJ~",.I<I\''',''F'I 11\0'1\ IHII 111l:J
1'''1,,101,'
11"1'" Mil" (",mll"\.\ t\ II.'
'_IVI"" t".' t,,'" I', '0 i,'r
.
CORNERSTONE APPRAISAL SERVICES
UNIFORM RESIDENTIAL APPRAISAL REPORT
FiI. No, L97 -004
.
I
~
ESTIMATED SITE VALUE, ., , , , , , , . .
ESTIMA lED REPRODUCTION COS1,NEW OF IMI'IWVFMEN1S,
Dwolliflll :..UO Sq, FI. @ $ ... niP. ~O
_,__.Ull Sq. Fl. @ $ 7.S0
mrnllllJ.S.:L .t.,..._U.idI.O.
O.fog.LI:.,port au. Sq. FI. @ $ ,
Totlll futimltlod CU&;t Naw , . . . , , . ,
LallI! :. ~Y'. ~'" IF. .'."."'.,.tiOl.101 .1. htnrnal
DOl',,,oi,,tiol1 4.4,,041 . ,14, tiPO.. O.
DlJlpr~cilliftd V llh.Jfl 01 hnpfuvomnnt9
"All-is" Vlllult 01 Sltn Irnprov61ll0fltn
1 V AU' Y COST APf'ROA
SU J 'Cl
Road
1\[9__".._,,,._,__,__
P.~OO
Common!!! on COfft Approlloh (ttuoh as 8Q\HCO ollJosl
6111illlutn, IlI!n ','/llllO, square foot cltlclllntwn Ill'ld lor HUD,
VA, and FrnHA, the outlmated fumoloirlg floonullllo Iila of
the property): ______,_u.__,,__.__.,._~_..._,,~~__.___. .,.__..___.___.__
16,IU.US..A,~__"___l'_llLtt__.____.___ ~.
~~.OO
~.J.. 965
1,~OO
4,Ui
9.792.
n.en
" $
58.721
$ .____.U.L1SQ,
$ ....__2....sJI
500 Oakvill.
_A~~i~tB-b.AwM
C . E 0 1
310 Oakville Road
CQMPARABLE ~3
Ave 109 S. Main Street
_f!Q"I~l1...!Y__~l\>!!,:J_
_.!!!!uJ~l\!<f_~___._.._ jlilA.__~____.
_E!.!i'iQL~!!_bj~~~j1._... J. HL/l...:-__. .,.'.. .._~.~._..
0". .ool,,! Inspection
Q~Q!<kU"[.,___.__ m.il!ll!.,..~. ,... .".,._..
..-..--. t.2.2 ..9---....... .....,_..,-,_" iL~_
.L~,,i,6e___jtr.:......___._ .!.11..,2.4.. ". .__ L
Court hOUR. Inspection
.J!lu.u., _ __.
,--..-11j;I1".9.2L__._
1.!.7,..1L _111L.
Inspection
V!!i!!f!Ilc.:n ~uurc!'.~_ ~ ___ _ < . ........_....._ __._______ _________." .___~_._.._.. .... ._____. .'.m'_'_n."._~.~_
--Y~\lL6QJ,\;l~lJ1'11NIS D~SCRI;;I-;~~-~'. Con' ~S-(;'~l~~O~N--~' -r '-\ It ~llj\I~t..m~ll C-on- vPfSgtIJP.T.L9tL,___._ ~._I:JJ..6!!l\.!!trn~l\\ con-,_b!VESC!:ll!:I!Qti.._- !J.:ll_MJ.Y!H!1flll.
S"j"ur'lnllllci~
..<:Q-~~~~~._--.---_... __ !iQn@ -- ---- - __..N2n.o,..............________. ..Ji9!!I.. .<-____________._.
. Q.o.\'-"_1.'!'1J.,"" .._.....~...._....'_ ~,;l7 ...J.S _ ... _ " -19 - 9G_._ n lQ..~:'-:l.~.u .._.__
"'~l"___. ' . llL..____ _ __._" :!I!l1l.lrt1J1L....__ _----=l.OJlit _l!n1..~__~_.____
,l!...",:,!t"""""flL ., X.I!L.Si.1!lP.1!\!,_ ,l'.Il.ILSwJ& '__uu_. hlLlJ.;ll!!P.11l.._____ _.._____!'U..s:.1J!mlll. ._.___._,
c,,"______. .~~_.,_._ 'I _~Q.._ __:,U 2 ~.____.m..t.l:'.Q., j.....J).L.I\Q!."IL.... '." _,_....':,~
..'!!!~__.__.,',.. Typ~.s;~.___,1':\'P.tS;!!1.,..___... ,'!:Yl1.i&I!.L____ _1'YJ;!!s;IlL.._______.___,
.(!.Il1!!Q.rL!~j\P1!!_~m."__ _~.,_.1!_tQll"__.._"._._..__. ";{_.>>..tQn_..~.__.._,_.. _'_""_'__'_~' ~~__._.._.....~_ ...__._.......__ ~L..Lto;nr~__..__._.
~lvofCona!.!!!Sl!2!!~ U'J.minum,_~__Aluminwn ____.__._ ~~._____.,.._~~__.__. _.___..._..
.~~.._______.m_' u'2.o. '___._h UQ..QIL_____ _ _________ .19Q.llL._.___, _______ .19.Q.Ql!'_""._'''h___ .__,_
! ::::E::---'-- t: ~5E_'~~~~E~~' :';:~. __..:UQ~ p~~;-~~::= --"..1000 ~:J-..!m~:::~ ----
i O.OIIl1!.'l!!:!ll.A!U. S ,f, 1 7 8 Sq, ft. l.L~~[L ..----:-_~3_Q ldll~_~-_f.L ___.t.4.S.i.Q.
I.~,;~;;;~'~,':.__ ::~~~_._:::.~_:~__.._. _______ _=:~ia1 .._ ~:~ial_._,._ .___
S fU'lCI!2!.!11 U\IIlty A'Verao8 "'ver~.~_. ,__.._u__. ~.____.._. Av rm'-------_...
jg H.. illSllf.W!nll.."..,_. !!!'I._,....!iQ._ 111'1 - No 1!J\______..1llL.___,_.._ , .....!l<L___...h ...____._.._
;: (l'lfIfQV fIIltler.1 Ile[11o .stQ..:gg, in s..tQ1cm. w:l.~ _~.___.._ .~.tQ.~L.~!~ 11lLl!iq "_'__
I';::':;::~:- '~~:~;;---;o~~ipa"tio-' _._..t19~ ;~~~P~tio ".. +1 ;~~e~L.
U """"!I!"-"-'"..,_ ..~___'___' on-'!__~_____~___tf1.Q. ,NQ!ljL__._,_ ___~,. .!ID..s;1..'p.Q,J;:,Q!L_ _.____
ur JJI~~1..!.!.L__._ m~_._._ .HQn~-.-""~i-.-----...liQ!lJL------. ..-.----.---...-- Qn!t~__
~ _~J<!Qa__ e, rep~igH~1Pa~~t '-~~l:I~~f~Daltf~~~~~~f~~oH:~:~:~~~ ~~~n
.' " _....,'~tiJ.l ,.&J_,_llJ.s.2 ~1I.I.Jt..Ai.t. 55.590
Comment. on SIIle. CompatllJQn (Including the tubtllot Plo~rty'. compllibililV to tho neighborhnoll, fIIc.l: lQ..i.._~UI...-RQ~ sold for S68, Q.~h.-A.....
_Ql!L..J..!nnll-..fn.l\. $29.4>LbowBver ..!.L1L.MLQJ!!;tll.Ls;onditio!lL_JI.t.lll..J!L!IL within two bl.ock8 oL_.
ill. beina in,~g,.QQ!1Il!tl.QlL___~._.iJl..1ng,IL~ su.bies;!;JlltL.!n...lI.imilu condition wit
!II.HlJ.n:..l9J;~1.1Lll is most liJ!.lL.@l!bj Gct BXcrm,L~~m.!lt~Q...]&!;,.._..__..__.____,__ ________..
:~:.:~~~~:::--~~~.s.~~~E-~i:~~- ~~.::~~~BS:~L:.~~\'~i~:=E~.;pG~~~B~~~~~~~~~~--lNOP~~~~A:~L: ~~t~i;..
SoUfr.O 1m prw. ..lei I :.~ this time. one yeax'. one year. Lone year.
wlthlnvetrol,pp'III,1I1
_____..,,:"'.L_,____ _.._.___,_._. ._______ _____.___ ___,_.__.__...__..,.._.,_,~....
AntIV.i. of tOV cumlnl t{lrMmenl of .tlt!, option, or Ir.W"'il 0' Ihll .ubIGC\ pruporty IInd IIn.IVIII uf .ny pllor ~.Ia~ ollvl;lect ,snd COI1WflIIDlu willli1''l 01')(1 YUI of thfl <I.to ot ,ppIII..I:
~.iKt._~.l!JIll!n!Il!l<;lJQL!;M..IDl,a!;'._.Q.L~rn,',._1h'.I\!2!!!!i!!L..___..._..,,_.________,,__.___,.___
"........... ..,..... $)U
IMo. J< Gron Rent Mul I liflr ,;" $ A
"Jbifl~tto thfl fflp'lr~. Illar'llon,. il'lSllfICliollll O' r.olldltion. illted t.,lo'l'/
IlI~JlI~t to cOMplellcM p.1 pl.N find ,peclficIlIOfll.
COnd'''OM'' APO'''''' '~llllld..l!L.;!,g.....::,_,l!Q_!:.~;!;lL.~J_L,b.!L~l!.l.:Q!l!L~Q.l!!ll!l!tiQn...wa11 falling ill
1!JlmBn..!;g~.. _..___......____n..._...__...._______,_,_____,...._._,_._"
F,n.1 Aeoonclhtllon ;U'mn.haBis ill "laced on~ Market J~!m_..~.P~t:Q~Qh..J!LQr.:.~.!;:.__..t.Q._._~h~'tl~1_J2l!Y~..A.~9____._~
.RnW9_..!QL~.!.:.~!;9artM!.lL.J;Mt..,Myg__",- ran"'e oUiL.QQQ__.t.Q_Jti...O!J.l!....ID.I!.J;hlL.!!l9.l!L-
_.r.llUQ...11!U.ILlli~!!..__tt..Th;!,l!..J;;~..!L$~.2,,2.Q.Q\'lH,!LgQg;;!-P~:!..IM..J;>J!!; needin.9-mll,'_.U . C .
~
i
Ttlll purpoH 01 Ihl. tf'lpr~..i II to _'(m'tfl the mlrk.l v.lue pi tho 'fill prupertv II,.! II the Illb,e~t 0' thIS rflpoll, ('nod on the .!JOVfl cOndltlOI'tll .no lhe cllr!illc.llOn. contlngont .nd Ilmiti~
COIWIl!onl,.11(\ m.,kll v.lut (fef,nltlon th.t .rl .tlt&tl in tho 'tllched Fleddie M.c form 4J\Jlflnf'lle MilO Form 1004l! (AllvISo<! .2.::.lJ___ I.
I (WE) ESTIMATE THE MARKET VALUE, AS DEFINED, OF THE REAL PROPERTY THAT IS THE SUBJECT OF THIS REPORT. AS OF
Januarv 2lu...J.llL_ (wHICH IS THE DATE OF INSPECTION AND THE EFFECTIVE DAlE OFTHIS REPORn TO BE . 55.600
Af'f"'RMIf.ft; SLftRYtsORY APf"f\A.ISER IONl Y IF AEQUIRfDI
$!9f\ttUrI.
"""" R0L.I\.L
OliO Aoport S~Md,
SlIlt C'flIIIC'IIClr( GA
~'~OnH'
I,~ M.... ~lfrrr' 10 fli]~"'"
....c.___.~~._.J.!.!.!.t~h~__~
SI..PA
SillnllUlft ~_~___.___.__.___. ~ Did.O Did Not
Nlm.~_~___________ Intp.tclPropllly
0'11 fl.,poll Slgrlld
SlllICflrtillcllion"~_~___.~__~___~l!.!.
(l,Sl'Iel!ct>lIulI
MC~ a Dlvlllt.n-c;' ACn);~;I;p'~;;;;.(R.OOl-i19T77IlJ
f'~.--i'~,".7'
R I'
F .nn', M NI r-o;-~ 1004 6--U
.!I.!'!!!1.'l'!'ICllenl __..'_
.e~rty A~.!.~__
Q!!L..,_
Londer
MAP SKETCH ADDENDUM
Col!D!Y_____.. -.,
Sta,e
___ ._ ....___,_ Zip COdO._....,_.._____..
BUILDING SKETCH
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LOCATION MAP ["SUBJECT PROPERTY]
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Courtesy of: .~onn Reo] Estete (717) 532--8377
FW.70A 11 OO~A
J'12J
OVER FOR PHOTO ATTACHMENTS
l!lfl<1 Form.., Itnd Worms 'Inc :Jl~l WllltOlJY Av{! Nfl.... HClYol\ C1 Ohf111 All 1119111S Ht'~lIrvoc1 I (BOO) 24).4545
Item If 1121~O
.
CORNERSTONE APPRAISAL SERVICES
FII. No, LS7 -004
DEFINITION OF Pt.'IARKET VALUE: Tho mOllt probflblo prlUO which tt ~"'{)porty NtHlllld briny Hl /I (;OfTIIJ6Iillv~ and opon rmuk"t
und~r all ~1OIldition& roquisite 10 fl fair saru, tho buyor ltfld IlOIIOl , uuch Aelinn prudanlty, krwwloduoltb1y IInd GlIlIAmlnu tho prioo ju not
ofloClt\'ld lJy unduo stimulus, ImlJliclt;n IhlS do/inltioll ill tho GOflHlHl1OlIl!ion 0111 fHtI" n9 01 8 llpoolflnd datu And tho PSUlflQ 01 title lrom
sollo! In huyer undur (JondHion" whoreby: (1/ buyor llnd nolin, itrll tYPwRlly motlvalnd; (21 both pari/os art! well informed or well ftdvlflOd,
lInd f",ell lWllrlU in wlllll lilt tJoflsidorfl hit! own blJ~llntOrtllll; t3f n rOlllwflllblo tlmo ill nllowod for O)(po8urO In tho open markot: 14) pay.
mflnt i9 ,"Rd~l HI UHIllIl of ()llflh in U, S. dUUiHfJ or In turrn8 uIIIlHUl()!II1 ilrrSnljornOIl18 nompnrlltJle thoretu; and (61 the prioo reprellentR
tho norm,.1 (;onllidofttlion for tht! ploporly fluId IHlllffooted by R'H10Il'l1 or orofttlvo flllllllcing or llol6f1 oonoo98ions' granted by anyone all
s{Joiated with tho ule.
!
!
Adjl18tmontl to the oomparllulol IY1Ult be mado for speclnl or oroallvo flnanomg or Iftlu oon00l810nl, No adjustment'J 81'8 noo"81ary
lor th08(:1 008ts whioh are normally paid by nllers 8S a rosull of traditIon or law III a rnnrk"t aroa; these 008t. are readily Identifiable
slnoo the seller pay. thou 00.11 in virtually all salOl ttMlllotlon8, Speolal ot oreatlve flnanolng adjulltmentil oan be madfl to thIS
oomparable property by comparisons 10 flnanolng terms offorod by a third party institutionallendar thai Is not olrfllldv Involved in the
proporty or tranuotlon, Any adjustment should not bo ooloultlted on It rTleohanlclIl dollar for dollar oosl of the finanolng or oonceuion,
hut the doUar amount 01 any adJustmont ahcHJld approximato ttl0 1n8rket'fI reaction to tho financing or cono611sions bused on tho app
raiser'e Judgmont.
STATEMENT OF LIMITING CONDITIONS AND APPRAISER'S CERTIFICATION
CONTINGENT AND LIMITING CONOITIONS: Th. .ppf.".f'. c.rlilio.tlon 'h.' 'pp.'" In tho .pprol..1 fOporll. .ub/.o"o
tho following oondit;ons:
" The appralflor will not be responsible for matters of a legal nature that affeat either tho property being appraised or th!! title to It, The
appraIser all1iUmOS thf.lt the title Is good and marketable and, therefore, wlll not render any opinions about the title, The property 18 app-
raised on th~ bfts;s of It being under responsible ownership,
,'2. Tho approiser has provided a sketch In the appralflal roport to show approximate dlrnensions of the improvemonts, end the rkluoh Is
Inoluded only to assist the r!lader of the report in visualizing the proporty and understanding the appraiser's determination of Its size.
3. The appraiser has examined the available flood maps that aro provided by the Fedoral Emergency Management Agoney (or other data
sourcGal and has noted in the apprnlsal report whether the sllbjeot site is looated in all Identified Speoial Flood Hazard Area, Beoause
the IIppraiser is not a surveyor, ho or she mnkes no gllarantees, express or implied, regarding this determination,
4. The appraiser w!ll not give testimony or flpp6lH in oourt beoause he or she made an appraisal of tho prOp!Hty in question, unless
speolfio arrangements to do so have boen made beforehand,
6. The appraiser has estimated the value of the land In the cost approaoh at Its highest Bnd best use Bnd the Improvements at their con.
trlbutolY valua, Those separate valuations of the land Qnd Improvemonts must not be used In oonjunotlon with any other appraisal and
are invalid if they are 80 used,
6. The appraiser has noted In the appraisal report any adverse oondltlonR (suoh as, needed repairs, depreolation, the presonoe of hazar-
dous W8stOS, toxio substanoas, etc,) obsorved during the inspeotlon of the subJeot property or that he or she became aware of during
the normal reaearch involved In performing the appraisal. Unlnss otherwise stated In the appraisal report, the apprsiser has no know.
ledge of any hidden or unapparent oonditlons of the property or adverse environmental oonditions (moluding the prellonce of halardolls
wastes, toxio substanoes, eto,) that would make the property mora or less valuable, and has 8f1f1lJmod thllt there are no such oonditions
and makes no guarantees or warrantlea, expr098 or Implied, regarding the oondltlon of the prope(t't. The appraiser will not be respon-
sible for any such oonditions that do 6xist or for any engineering or tostlng that might be required to dlsoover whether suoh oonditlons
exist, Beoausft tha appraiser Is not an oxpert in the field of environmantal hazards, the appraisal report mullt not be oonsidered at an
environmental all8etsn'lent of the property,
7, The appral80r obtained tho Information, estimates, and opinions that were uprened In the appraiul report from souroes that he or
she considers to be reliable and beHe....ea them to be true and oorreot. The appraiser doos not assume responsibility for the aocuraoy of
suoh itftms that wero furnished bV other parties.
e. The apprai98f wtll not dlsolose the oonten\s of tho appraisal roport exoopt as provided for In the Unilcrm Standards of Profe8llional
Appraisal Practio(J,
9. The appraiser htJs based hit.- or her appraisal report and valuation oonclusion lor an appraisal that is subJeot to satIsfactory comp-
letion, repairfl, or altefQtlons on tho QSflumption tllat completion of tho improvements will be performod in a workmanlike mftnner.
10. The appraiser mllst provide his or her prior wlmon consont before the londer/olient speoified in the appraisal report oan distribute
th" appraisal report (inoluding ooncluslons about the property value, the appralRer's Identity and profenl!)nal designations, and
referenofls to any professional appt~lslIl organizatIons or the firm with which the appral8er Is s98oolhted) to sntone other than the
boftower; the mortgagee or Its 9uoceuor& and assignsi the mortgage insurer; con"ultants; professional appraisal organizations; any
state or federally approved flnanaiallnatltution; or any department, agenoy, or Instrumentality of the United States or any state or the
DIstrlot of Columblai ftxcept that the lender/ollent mny distribute the property dosorlption sootlon of the report ani V to dltl oollection or
reporting servloe(aJ without having to obtain the apprall8r'a prIor written consent. The 8ppraisar's written conaont and approvel mUlt
alao be obtained bofore tho appraIsal oan be oonvaved bV anyone to the publlo through advftrtl.lng, public ral,,,lon'l news, ..les, or
other medlft.
IrlOd..MK FOlm 43lt 8.83
Mes, . Dlvillotl 0' ~C! OI....IOllm,nl (BOOl 611.7783
MCS Form leG P'iJ' , 01 2
Flnnl, M.. Fo1m 10046 6-113
.
CORNERSTONE APPRAISAL SERVICES
FII. No. L97 -004
ii
ii
i
-~ -....,. '^..--~~_..~- ~.. - ,~ .,,~ ..-.~ .... ., ,-. - -~_.._.~
-
MUL TI-PURPOSE SUPPLEMENTAL ADDENDUM
FeR FEDERAllY RELATED TRANSACTIONS
" --
J!~tr.Q.w,.rKMm Jl.hi;rloY,liym:h ----- .- ---- -------.-..... -..-------~ ------.----- ----. , .,.~-
,..r.I9J1JlL\I'.M\!!~.u SQJ,LQAllvU.h> 1101111 , --- --.,......---.-.-- ------- , - -- ------~ .,,-~ -----
__..r;jl~__,l!~l!IIm'g. ~o~l!lY <;wl;bu1rmd _ _ ShH2__P^ Zi~ CQ\!. 1...'1.U7._ --_.~-.._.._.,_.,,_... ....-
Londo, Shiiliv Lvnch.. - --
This Multj.Purpou SupplOnHttllUI Addulldutn lor FodofllUy Htllllloll T rttrlHltoliol\!l Willi dlltllUl1ud 10 provide thu Itl-lprnisor with" conl/onlont
waV to (Jomply with tho curront "ppraiG81l1tnmlMUs ",nd rn{lllir(lnlOfl!1I of 111(1 FfJdoral Dvpo!lit IrHlllt""o/,) Corporfl\lon(FDICl,th6 OHioo of th"
'"" r of CU!.Wlli.tJ.QCCI. ,he OfflofJ of Thnft Sllll(lt....I~lon lOTS)' tt)tI AI,t/olutlo/l I!~lst CoruorutiQn tAl~d tho Feder"' Re9UrVQ,
Tht. _Purpo.. 5<tpplomunl" Addandum I. ,.. u.. with...., _01..., 0..,_
~tlltementtf which hevo boon ohocked by tho appm.lllIr ~V to the properly befog 8ppr~.ed.
-~ - "1' ,
PURPOSE & FUNCTION OF APPRAISAL
- -
The purpose of thl' oppral!loll& to ostitnatu tho flllHkOI valuo of tho !HlbJoct prop'!Hly us dolinod h(lfoln, Tho functIon of the apprElinlls
to ewalst the abOV(H\lu'r'!ad Lendor In evaluutlng tho f1\lbject prOpflrty lor lomHng purposes, Thill If! tt FfJderrtlly r"lateo trPns80tlon,
--~~ --.-----... - ,---
. EXTENT OF APPRAISAL PROCESS
- -
fi1 The appraisal is baaed on the information gathflrod by Iho appraisor from public rooords, othor idontiflod Gouroes, InsPElction of th()
9ubjoc.:t proporty and neIghborhood, ond sala0tioll of comparable sales within tho 9ubjeot market fHoa, Tho original sou roe of the oom.
parlJblM is shown In the Data Sou roe seotion of tllo market grid along with tho souroe of oonflrmatlon, If .avallablo. The original flouroe
If) prosentect first. Tho souroes and data aru oonsidered reliable, When oonfllctlng lnformatlcm was provided, the souroe deemod most
reliable hes b(len usod. Data buliovod to bo unreliable WElS not inolllded In the report nor llged I'IS a basis for tho value oonoluslon,
ri1 Tho Reproduotion Cost ill based on local builcl:l.nq and B08o.~U4i.m:1 Costs
supplomentod hy tho appraiser's knowledgo of the l(loal market,
Ii] Physical depreolatlon Is based on the ostimated effeotlvo age of tho subjeot property, Funotional andlor oxternal depreoiatlon, if
prosent, Is speolfioally addressed in the appraisal report or other addenda, In estimating the site value, the appraiser has ralied ('In per"
sonal knowledge of the local market. Thi!'l knowledge is based on prior and lor ourront analysis of alte sales and/or abstraction of site
values from sataD of improved proportlos,
Ii) Tho flub/eot proporty Is looated in an arl'l8 01 primarily owner. occupied single family residences and thelnoomo Approaoh Is not oonsi-
dered to be meaningful. For this raason, the Income Approach was not used,
o The Estimated Markot Rent and Gross Rent Multiplior utilized in tho Inoomo Approaoh are based on tho appraiser's knowledge of the
subjoot market ar08, The rontal knowledge is based on prior and lor ourrent rtlntel rate surveys of residential properties, The Gross
Rent Multiplier is baS(ld on pdor ~nd/or current analYSlis or prices and market ratas for residential properties,
o For income producing properties, aotual ronts, vt/canoles and oxpensas have been reported and analyzEld, TheV havo been used to
projtlct future rents, vacancies and exponses,
.
SUBJECT PROPERTY OFFERING INFORMATION
Acco,ding to !!.1l."U.!LQ,L!k.\!.l;.~....!b1p.P.!!lW~_...___n .--.----... ...-...--.----- the subjeot property:
{iJ has oot been offored for sale in tho past 30 day!',
o is currendy offered for salo for $ m_._.
o was offered for sale within the past 30 days for $ n__
o Offering information was considered In tho final rC':lconclllatlon of vallie
o Offering information WOI not conaidorod in the final rooonciliation of vallIe
o Offering informMlon was not wailable. Tho reasons for lln<lvallablllty and tho steps taken by the appraiser are explainod later In this
addondum,
'.... SALESHISTORYOFSUBJECTflROPERTY
According to ~t....b.QY.D____.________.~_____~____~__._~____."..,___.~_ .---.--- the subjeot proporty:
o has not transferred in the pa~t twolve rnonthr. Iil has not Iranshmod in the past 36 months,
o has transforrod in the past twolvo months 0 hav trom.forred in tho past 36 months,
o All prior sales which havo oCGurred in the past twolve months are listed bolow and raconciled to the appraisad value, either In tho
bodv of the 800rt or in the addendum~_._._._ ~____.__<.__. n_
.n_D8:O_ '" __ .'m_~:~ rric~j= O~QUfn8Q\.Lt= _ ~=-~~~---~_._.--__ Buyer
_n
-~ FEMAFLOPP HAZAR~OATA ~
liJ Subjeot proporty I. not located in a FEMA Speoial Flood Hazard Area.
. n SUbi8'llJ2':tilY....!! looalod in 8 FEMA~..Elr>2!Ltl.Z.,d~_n,_ ,____
_.._,.J.\!nt..__...., n'____.._...n._~..ffMl\ M.plP.nolI_____~, ,__MM>.~~~_ Nomo 01 QQmmunitv
~~'_.._.. l.Sjl]A.iRlnu...M~..N..:LnI'_~Q~J_n____ -ll:,-li...__ .H2!-"..t!L.!iewton .____
The community dool parti04pato in the Natlonlll Flood Insuranco Program,
o The community doe. not p.ertioipate In tho Nalionnl Flood Insurance Program.
~ It i. covnred by 8 ,-ogular progreifn.
It i. covered by an emergency program,
'.. . _n_ ---- n' . .--"_.. _n_ -
J(tlmMS'"
MCS, n DIVllil)n o! flCI Devllopmlllnl (BOO) OIl1,77t13
.
CORNERSTONE APPRAISAL SERVICES
,.
,
~, ,
"1':......."
CURRENT SAtES CONTRACT
','"
~.
R" Tllb subJoct prop8t~V IH outrot1tly not lAndet oontftlot.
... Th6 oontrftot lind/or olwrow In'truotlonl wCtrtl nol all 011 lib Ie for tovlnw. Th$ llf1lwa!lnbiUty ot the Gontr"olls 6xplalntld IDler lnlhfl addenda
8Mllan.
I] Thu ()Untroot Clmilut (tlHHOW inlllrlJotlolla worn rftviewtld. Thf:llollowing tHHTlI111HillHI tho (Jonlr..ot:
Contr(tGt Ont6 Amondment Ditto Contract Priem SoUtH
n Ttlfl C(Jf\t!8(]1 indlCnted thltt pefllonftl property WAS npt lnoludod ill thB 901ft,
[] TIl6 llontrllot Indiouted thlll pt'Hllomtl property wftlllnoludad. It oOllSJYl6d 01
o Per~.~'~;I";;;~p-~.;~;'~a9 not I~olud~d~ln tt~~fj~.;I~-;-;;'~im~;~~'~ ,-,-.-. ~-~--
o PtHtwnal proportv wall included in the finAl value OfIllmnte.
n The oontrllct Indloated no flmmolng oon08tHtlons or other inoentlvtl!l,
n Tho oontraot irldloo\ed the following oonoessltms or IncantiY68: __~_.__,
______~._~.._ ElltlmlHed oontrlbutory yftlue I.
1__.__-
[J if-~o~~-IHJ8~~9 or in.~.~~~.ti~';;-;~-the-~'or~-;~;-~'bl';;-w6-;;-~h~~k-;d--i~;-;;;~;';;~-; '~'o';;~~-;;j;f~; and 8P~~~~;i~t6 adl~~-t-~~~-;;"~era m8d;Y---~"-
if appliolible, 80 that tho final value oonolu8lons Is In oOlnpUano6 with the MfHkot VlillJO defined herelll.
-.
MARKET OVERVIEW
tl'llllvd. "'i __lIpl."f'U('>fl ui OWfO!'\ nllf~"l l){lr'Klltilll'4 .nu IHl~..
rnonlt;;i~;onsidorod a r08flOnabll'l mlHkoting ptl'iod for tho !lllbT~~rIY lW90d on
-...-...;;...~~-
ADDITIONAL CERTIFICATION
Tho AplHoiser oertifletJ and agrees that:
(1) The analysos, opinions, And conoluslons were dfJveloped, rAnd this r,uport WflS propnred, In conformity with the Uniform Standards of
Prof6s81onal Appraisal Praotioe("USPAP"), find In aooordance with lhe regulations developed by the londer't'f Federal RegulalOry Agencv
as reqlJlred bV FIRREA, excopt that the Doparture ProvisIons of the USPAP do not apply.
(2) Their comfonsation Is not contingent upon the reportln~ of predetermined valllO or direotion In valuf! that favors tho cause of tho ollent, the
flmount 0 tho VAlue estlmale, the attainment of a stlpu,aled roslll1, or tho OCOllmmtlo of II subsequenl event.
(3l This apprdisal fll'isignment was not based on a reqlJest{ld minimum valuation, a llpeoHio valuation, or the approval of It loan.
--.....-- ~~" " p
ADDITIONAL (ENVIRO~MIE.NT AL) LIMITING .CONDITIONS
The value estimated is based on the Hssumption that the property is not negatively affeoted by tho existence of hazardous substances or
dotrlmental environmental conditions unless otherwise staled in this report. The appraiser is not an expert in the indontlficatlon of hazardous
substanoos Of d~tdmental enviroilrTlontal (londitions. The apprailHlr's wutine Inspection of and inqlJlrios abollt the subjflct property did not develop
any information thaI indictHed any apparent significant halard<.'Us substances or detrimental environmental conditions which would affoct the
property nogativoly unless otherwise slated In thin foport. It Is possible that tests und Inspootlom1 nlfJde by a qualified hazardous Rubslanoe and
environmental expert would roveal tlla exit>tenoe of hazardous substances or datrlrnental environmental conditions on or arolJnd the propertv that
~,o~ld n?R~tjvolxaff.e_cti!~val~_~."=.. ': _,___ _,___",:", ",;_;,_;_,"_;' .... ..._' .._ _ ......, ... .... . ... .. .... ... .. _ ... _ . .._-;..';.. __ __; __.. : . :
ADDITlONAI..'COMMENT.S
....--
APPRAISER'S SIGNATURE & l..lCENSE/CERTIFICATION
Appr.is.r'. Slgn.tul6_~ :;>::l.-a:i.d.___ Effective Oet. nUll_..__.__ O.te Prep.,ed 012897
Appraiser' 8 Narne -BsrL..R.J-.~~!-~~'-:J ___._~~_____._..__._______..._..~_____ Phone # 1illL.2ll.~ 83 7 7
~~t..te PA Iiil..!.-ieense Iii1 '''Ollitle.tion #n;. 00%.~8 - L RB 042347 - A Tox 10 #
\' CO.SIGNINGAPP8AISER'S CERTIFICATION "
'"'
[] The co-signing apprilisl;lt han porsonally lnspoutod tho subjuct properly, both inside find out, and ha'i mado all exterior Inspeotion of all
cornpmClble sales Iistod in the ropore Tho report was proparod by tho apprnisor und6r diroct surervision of tho oo.~ignlng tlppralsor. The
co'signlng Appraiser accepts rosponslbilllV for the contents ulthe roport including the valllO conclusions and the limiting conditions, and
confirms lhat tho tfutifications apply fully to the O(Hlignlng alJPliliser,
o Tho co-signing appraiser has nol personally inspo()tod the Intf3r1or of the subJeot property ftnd:
o has not Inspected the extorlor of the subject prOp6rty and 011 oomparable salas listed in the report.
o has inspeoted the exterior of the subject property fwd all comparable salos list()d in the report.
o The report was prepared by the <<,pprtllser undflf dirGct suporvlsion 01 the co"sl\lning appraiser. The co"signing apprahHH acoepts
responsibilitv tor the oontents of the roport, Including the value uonolusions and tho limiting condition!!, and oonflrms that th& oertifloations
apply 'ully to the co.signing appralsor with the O)(coptlon of tho oertiflcation regarding physloal Inspections, The above desorlbo8 tho level of
Inspeotion performed by the ('lo.slgning appra!saf,
o The co-sIgning apprniger'o level of inspeotion, involvement ill the appraisal prooe$ls and certification Bre oovered elsewhere In the .-,ddenda
seotion 0' this t1pprllisal.
,-..........,..:;':..:.:_.,:...'.....:.....:.:..... ..::-....:..:.......: :...,.:........ ... ..... .......:..,:',.,.'.:.,::;..:::.:,:..:.:::;:.:.:._.
CO.SIGNlNG APPRAlSER'S SIGNATURE & llCENSE/CERTlFlCATION
- - ' ...-.---
Co. Signing
Appraiser's Signature_~__ ..".._.._____.___.__.___~__ ....
Co-Signing Appfui!lor'9 N~6
State - r1- Licenso I ICortlfiClltlofl II
..._~~___~__ Effoctive Date ______~.__ Date Prepared _
Phone Ii
u...___u _u._,__.___u...~'u____.____ TAX III #
~ofmM9"
Me!>, I O,villonol ACI Dlv.iopm'flIII]OO) 601.'1783
,.
.
CORNERSTONE APPRAISAL SERVICES
FII. No.. ~21:,l!Oi.
. .. . . .. , ..
.
E~JVIAONMENTAL ADDENDUM
---.....- -.-....--
APPARENT* HAZARDOUS SUBSTANCES AND/OR DETRIMENTAL ENVIRONMENTAL CONDITIONS
__ - "Apparent II defined el thet wl;Tc;"iils vlslble:obvlous, evident or menllest to the epprelse'. --
"",,;:'~ 'hi"" ,;.," - - -- l
Add,." 5QQ O~kviU, RQIII1 .
C"y SllipplIP,l;lI,lrg (I/lHllY<;:\1Dlbf;lrl(and, 5tHln PA liP "odo 17~S7
I."dof Shi{ley Lynch -
-
I Tho untver.'" Envlrotvnontnl Addondurn Is hu UMII with ony 10'" owt010 "fll''''....'' --~
Only the 81I1tonl$nt. whloh hINo beon ohfloll.8d by tho IIpprlli.ur apply to Ih" propotty being appr..od. .
This addondurn reports tho rOfwll!l of 1h6 ftpprUhUH's roull!1tt inspu{)llo!) olllnd inq.JirioB flbollt tlll1 suuJoot property and It, surrounding erGO. It
also slaHt8 wh~t assumptionll woro madll abuul Iho o)(;slotWtt 01 (or nOllo)l(itllonoo) of/my hnllHdo\lfl IHlbstlHloOR and lor detrimental environrnnntal
condWona. The ftppr....erll not en8JCpt1rt olMrofvnentallrwpootor nnd Ihornforo mlyht tHllHII'WlHO of OX/SUllO haurdouB DubltanoeR and/or oond.
Itions whioh may have a nogativo offeot on Iho SGfoly and valuo of tho proporty. It ill p0801bta ttHH toatll llnd inlpeotion, madtl by It qualified
ftnvironmonlol inepootor wOllld rovoal tho exilltenoo of h016rdo1l8 motorlllls ond/or dolrlmontol "fwlroflmen\al oondition. on or arollnd thft property
that would nogatively affeallta oafol'( and value,
-
DRINKING WATER
.
i 0
Drinking Water is flllppliod to tho Rllbjoot from II municipal wator sllpply which is c()naidoreu safe. However the only way to be obsolultlly
certain thai the waler meots publifihad Btandard& is If' h8ve It rested ilt all di8chiHgct point~,
Ii] Drinking Water is supplied by a well or other non.mlJnlclpel 90lHC6. It i8 recommended that tOllts be made to bo oortain that the prOptHty
is suppllod with adequatG pure WAter.
D LfJad oan get Into drinking water from its Gource, tho pipofi, at all disohArgo points, plumbing fixturos lind/or appliancful, The only way to be
oertain tnat water does not oClntaln an unfloooptabla IOoad levol is to have it tested 0\ all diflOherge points.
Iii] The valu. owtimatod In this appraisal Is h8lloo on tho aalumption that there il on adequato lupplV of ufe, lead.free DrinkIng Wator.
Comments -- --_......~--_.._---------~._-~-------_._~---
, --
: SANITARY WASTE DISPOSAL
. e-- --
o Sanitary Waste is removed from the proporty by a municipal sowor system.
, iii Sl'lnihHY Waste is disposed 01 by a septic SYfltom Of other S8fliltUY on situ WIlSle dlspos.'.tt system. Tho only way to determino tl1atthe dispos.,1
system is adequate and Irl good working conditIOn Is to havo it II1spaclecl by ft Ql.laliflod inspoolor.
[iiJ 11k1 value OSbmatod In this BPProisalls bosed on tho assumption that tho Sanitary Woato iu dt8poaod 0' by a munioipal sowar or un adoqu..to
property permitted altomato tr8olmont aYlltom in DOod condition.
Commenls -.-- ------_.__.~~--_.__._._~----_..,-----_...._-._-----_.------.---..
~- ~.
SOILCONT AMINANTS
iii Thero IHe no apparent signs of SoU Contaminants on or near the subject property l6xcept as roported in Comment8 below), Jt is possible
that relioarch, inspection and tOfitina by a qualified envlroomontallnspoctur would rovoal oxialing find/or pOlontlal hazBrdous !lubstanoEls
tlnd/or detrimental environmental conditions on or around the r)/operty that would negatively affeot lis safely and value.
iii The valuo olltimatDd in th., apprallall. bBsed on tM 81l1umption that the subjoot proporty is freo 0' SoH Contaminants.
Commenlll ----------- ------_._.~._-_.~.-_._.__._._~-_.__._-_._-.~-_._--.--
ASBESTOS
[i] Allor part of the Improvements werE! oonstruC1tod btlfore 1979 whon Asbo:Jtos was a common building mAlarial. The only way to be oellain
that the property is tree of frjabl0 8fld non.friable Asbestos is to have it inspected ilnd tested by a qualified asbestos Inspector.
, D The improvements were constructed after 1979. No appurent friable AsbostOfl was observod lOl<oopt as reportod In COmml.lnlS below),
, 1i11 The value estimated in this BPPrainl i_ based on the a..umpdon that thoro i_ no ullOonralnod frlabte A_beltoB or other haz8rdou. Albelltos
,
rnalerial on the property.
Commonts ---------.--.-------.-.--..-------< . .----.-...-.....-...-.-....---..-.. .-. ----. .._---._-. .--- ._-_.~-_._--_.__._-_._-_._--.-_._......_--.
-
PCBs (POLYCHLORINATED BIPHENYLS)
-
[xl 1 htlro wore no apparont lonkmu fllhHtlSGOnlli{lhl b<lll<'l!it!i, (;ilpih:l(or!l or tlilfl~!ormUr!l iIflywhortJ on or nOMby tho property (el<copt 8S roporfud
In C()mml:lnts twlowl. !
[1 Tt16r6 was no apparent Visible or dooumented evidence known 10 thl' appralsor of soil or IJrolHldwater contamination from PCBs anywhere
on tho proporty (Ol<Cepl as roported in Commont!! bolow).
iii] The v.u. OBtimDted In thl8 oppraisalls bOiled on tho assumption that thoro uro no unoontalnod PCBs on or nearby tho proporty.
Comments ----------,----_.._._._~_._-_.-.- .---.--------.--.---- ---..----
. .. RADON
.' ,', .
iii Th& appraiser Is notllwar~ of any RlIdon tut. mtlde on thfl .ubjeot property within the pa.t 12 mOllthft (except 110 reported in Commonts
below).
[) The appralsor lfi not aware of lIny Indioatlon thlll thu local Wfltor supplier; havo been found to hav" elevated levelG of Radon Of Radium.
0 Thn ap~raiser ifi not aware of any nearby proportles {except 81 r6portnd in Comm9nts belowlth8t were or ourrently me uud fur uranium,
thorIum or radium 8Kltaclion or phosphale processing.
lil The VIlUD estimated In thl, BpPu"lall" bellied on tho a..umptlon INlt the Redon lovell. at or below EPA flK:ommendod level..
Com01ontfl ..---. .-.- .-- ...__..._.--_._-_.."_._~-._. . ......__.__..n .. -...--..--.- ...--.-.-. .-- .._._-_.~--_._------~._._-_.~-
-....- ......... ,,~. ...~ . -'- .-. -- -..- ____oN -- ... . . .... _d .. ..
I
i
I
I
!
~
I
I ,
.,
MCS,. (>I'o'illonol ACI D"...Il!opmenlI60016Y7.7163
P-V. , 01 2
Mes Ftllm fAA
.
CORNERSTONE APPRAISAL SERVICES
.. ....-- ...- ---- . ---, . . .. .. - ..._,,,-- .,- --. ----.. ,
, - ~~ --
U6T$ (UNOEROROUND S'rORAOE TANKS)
~, --- ,,- - -
/iJ Thel. J. 1\(1 .......... visihlll (If dUOllrntllllnd ltvldntHJ(I klltJWII to till'! nppltllfHH of IIIlY USTH Oil 11ll! properly nor ony known hlltoriulIl ule 01
tho JHfJluuty Hut' would likoty hll....n hlld USln.
fl Thoro ,.f, no ..'P....hl p~trflltium 8lotllYO and lor dflllvory It:wllltluH Unntudinu 11"801lno 8!1I11olll1 or t:hnmhlnt mnnllfaolllrlnu plantlllooatud on
adJlltlfHl1 pruporlhul IO)(()C1pt ns roportod in ClJllltllOntll tlnlowl.
II Thoft! ",It lIf.-ronl !llgn!! of USh l.I)(iNlillU !lllW or inlho flftRl Oil 1t1ll1H,bJut11 propnrty. II IN rac:otlln1011Ufu1ltlltl nf1In"pof)lhl/l tJy II qualiliod
USl il1!lptlolur IH\ llblalnod hI d/HtHlnlllll lhulo()olion ofllllv USTu !u\lOltlQI willi UHlir (l()J\dIIIOIl Ilf1d plop....r fflUiNtrlltlofl If they IUfllHllivo; Ilnd I
If ttlijy lUft irUHJllVe, 10 dol(HIllIIHI whotlltlr lhoy woru dniHlIlVlllnd III {l{;CHH<llUll;O wllh 1lollnd IndUnl/l" pliloticHIH.
litl The ""Uet lutimated in IhlM Hflprl..dI i. bnaed on the .1Iuumptjun that tlnV funoUon'nu USh IIro not leaking /lltd nre propor1y rogillerud .nd
thGlr.wty abandoned USls Brtt frOG Irom UUIl1l1flllnBliun and WOIO ,uopn,ty d,,,/noor WInd /Iud ,odloo,
Commonts .--~. ,-, .-.--. -".-.~-_.. .~.... .~... ---"..-.. - ,- ~T .~_._ --.....---.-...-.-. .__._--..._----~._._---
-
NEARBY ~IAZARDOUS WASTE SITES ,
fi] Thero are no IIppM'ent Hozardoll8 WU8te Silos on tho 8ubJoct plupOIl~ or fHHHby tho \1lluJect propflrty (O)(Ollpt 08 rlJported In CornmOnl8
below). Hazardoul!I Wast" Slto soalJh by l'l trninod onvironrn!)ntlll un\linoor fnuy dotorrniflo thnt thoro I. ono or more Hflluudoul Watto Situ
on or in the 8108 of tho 9ubJevt proporty,
fi] The ywe e.tlm8tod In ttu, appr.aalll ba.od on tho ulllurnplloll thut thoro flro f10 HIIlllfdoU8 WOlhl SUo. on or nearby tho .....bjeot property
that negewoly affect thtt y.utl or .ofoty of tho prolxtrty.
Commonts --+-+_..._-~.._-~-_._-~--_... ~~--- - --- -.- .. ---..-.. - --'-'---'---'--'~'-'~---"'-'-"-""'--'--
-
UREA FORMALDEHYDE (UFFI) INSULATION
-- -- ~~
fi] All or part 01 tho Improvomonls wore construolod boforo 1982 whtHl UREA foam insulation was a common building material. The only WilY
to be oerlain Ihat the property I. free of UREA formaldohyde Is to have It Inspectttd by a qualifi"d UREA formaldehyde In8p8otor,
[] The improvaments were COllstructed "ltor 1962, No uppwent UR~:A formaldehyde malorials were observod (exoept as reported In
Comments below).
iii The v.... oatimated In this BppflN8u1 i. baaed on the lIuumptJon that thoro is no liynificallt UFFliowlation or other UREA fortnlkJehyde
i mot."", on tho property.
Comments
LEAD PAINT < ,.... ...
'. . , , .., '
-
riiJ All or pfut of Ihe improvements were oonstruoted bofore 1980 whon Lead Paint was a common bllllding material. Thore Is no apparent visible
at known documollted evidenoe of peeling or flaldng Load Paint on ttlo floors, walls or aollings !oxcept as roported in Comments below).
The only way to be certain that thfl property Is fflHI of surfaoe or 91lbsurfClOo Lead Point is to have it InspeolfJd bV II qualified inspaotor,
D The impl'ovoments were oonstructod after 1980. No apparont Load Paint WIlS observed !exoept 8S reported In Comments below!.
fi] The vdluo a.limatad In this appraisal i. bOiled on the assumption that thoro is no flaking or peeling Leed Paint on the property.
Commonts -~--_. -------.._._~_.__.-._-_.-
, " - , ,
, ,", AIR POLLUTION
.
- -
fi] Thero are no _.nt signs of AIr Pollution at tho tlme of the Inspoolion n.IT were lIny reportod (exoept os reportod In Comment8 billow).
The only way te be oortain that the oir Is freo of pollution 18 to hllve It tasted,
IiiJ The value estimated in thi, arpprBia8l11 bascwt on tho uuurnptlon thHt lho property is free of Air PoUudon,
Comments -..- ---~----~-_..-~~..._._._.. .. ...----'-'-- -- --~.-.._--_.~--- .--. .~~--
- ~
Wl!TLANDS/FLOOD PLAINS
, .--...
fi] Tho she does not contain allY 8pparantWetlands/Flood Plains (exoopt as reported In Commenu belowl, The only way to bfl oertain that
the sito Is free of Wetlands/Flood PlaIns If! to have II inspeoted by a qualified onvironmenlal ptofefl8lonal.
fi] The velue ..tir118tod In .hil sppni.a1I. basod on tho aa.umption thut thoro IUO no Wetland.lF1ood Plains or. the pr~erty (oKeept .. reported
In Comment. below).
Comm~nls _____~______.___.___.____m.________.._... ....."_..~-- . ..._..~--~._~.._...~-~_.._~_._~.
MISCELLANEOUS ENVIRONMENTAL HAZAROS ,~ .'."
. ' ..., .".
lif There lire no othor apparont misoellaneous haZArdous slfb9tancos and/or dfllrinlllfllal onvironmental oonditlons Oil or in the area of the Sl18
ex-capt as indic8tfld below:
0 EKneSls Noise -.---------. .._....~._------_._~-
[J Radiation & Eleotrc,.'fnagnetlc Radiation --~--_..__. ._----~-_.__._~-._---~-~---- ----
D Light Pollution ______..____~_.___._.___. --_.._--~-_. "-~-'---
D Waste Heat --. -
D Aold Mino Dralnllge
D Agricultural Pollutlon__ -
D G8010glcal Hsz;ud8 --
D Nearbv Halllrdoufi' Prop6rty --
D Infectious Medical Wastes - - --
D Pestioldos ,--------
D Othftrfl (Chemioal Storage & Storage Drums, Pipelinos, etc.l _________..._~ . -
~-------_.__.~~---_._--_._-_.-_._._~---- -- -
fill The yalue ..timetad In thi, IIppraiaalls baaed on tho "..urnption thot therft aro no Mlloetlaneou. amnronr,w,"tal Halarda (eKcept tho..
,oport<<t obov.1 thot woold nogallvoly .lfool .ho vol.. 01 .ho prop.rty.
L~n an~ uf the al"Niro..nentol lI81umptiona mad.. in this Mtdendum 8ro not (Joffeet, tho eMtimatod valuo In this IIppr81s" mav not be yaNd. J
.. _m..". -- --- -- -- -. - - ." .
Mes,. [)i"l,iOl1ol ACI [)"vCI!upm,nt 180(11697,7193
"'-0"2012
MCS form FAA
Fred W. Dyarman, 9 Mud Level Rd., Shippensburg, son
PA 17257
Shirley Lea Lynch, 500 Oakville Rd., Shippens- daughter
burg, PA 17257
Fredith E. Dyarrnan, 5 Mud Level Rd., Shippens- daughter
burg, PA 17257
Dora Jane Sanders, 506 Oakville Rd., Shippensb , daughter
PA 17257
Bet.ty J. Crider, 5 Mud Level Road, Shippensburg
PA 17257
6. Judy R. Grimas, Big Spring Terrace, LDt 68,
Newville, PA 17241
7. Darlene M. Bodkins, 122 S. Prince St.,
Shippensburg, PA 17257
8. Joyce A. Nickey, Big Spring Terrace, LDt 106
Newville, PA 17241
9. Mal:y L. Dyarrnan, 122 Red Shed Rd., Shippensburg,
PA 17257
,. -.,A f
...... "i:i.I\L\". illli
'*
UUMMJf~WUl!H ('If rft-lNlHYA,NIA
I"lHunAt-ltf 'AIIIlUUIN
IlUln,NfflltlPINJ
SCHEDULE J
BENEFICIARIES
__ ...... ........_._____.__.H__
, ..,,",.._~".~~-=._-~.__.~.~-'"~-
UTATE Of
I3mee D. Dyannan
ITEM
NUMBER
NAME AND ADDRESS Of BENEFICIARY
A. TaKable Bequests:
1.
2.
3.
4.
5.
_~~~~:~ A. Reas~er,
--faee-:r-at.-eaehed-t---
ITEM
NUMBER
1465A Trind1e Rd., Carlisle,
NAME AND ADDRESS OF BENEFICIARY
B, Charitoble end Governmental Bequests:
1.
None
J
FILE NUMBER
2197-0109
RELATIONSHIP
AMOUNT OR
SHARE OF ESTATE
1/6 of resi.due
1/6 of residue
1/6 of residue
1/6 of residue
granddaughter 1/24 of residue
granddaught.er 1/24 of residue
granddaughter 1/24 of residue
granddaughter 1/24 of residue
daughter-in- 1/42 of residue
law
granddaughter 1/42 of residue
TOTI'IL CHARITABLE AND GOVERNMENTAL BEQUESTS (Also en'er on line 13, Recapllulalianl
-_._~------'..--""'----">"-
IIf mort .pace I. nnd.d, 'nllrt uddltlonallh..tI of lam. Iln)
AMOUNT OR
SHARE OF ESTATE
s,
None
:fg~ :P ':l < 'T) ii ~
!:1 [ 0 ~, i
-
:- lXl 3- I
IIi ,..., I Sl,
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i i~
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0
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j...~ 0 ~
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or 0 ;:r> ~
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INVENTORY
IN HE Estate of . .~9Ej'.I?I.l,)y~I..........." late of NPj:J;l1. ~ .~ip. ,Cllmgerl~...
~ County, Pennsylvania.
STATE OF PENNSYLVANIA.
SS.:
COUNTY OF fRANKLIN.
I verify that the statements made in this Inventory sre true and correct'.
I understand that false ststements herein are made subject to the penalties
of 18 P. A. C. S. Section 4904 relating to unsworn falsifications to authorities.
7 / r1' /, 7
Date I I
(.~;:~~
~)O") ~r..'A_~
Signature Executors
NO.
ITEM
A MOUNT
1.
REAL ESTATE:
None
PERSCtW:. PROPERlY:
4 shares preferred stock, CUmberland Valley
Cooperative Associate at 10.00 per share
Promissory note from .~lice M. Crider and John A.
Crider, her husband to Bruce D. Oyarman and Eth
M. Dyarman, his wife, in the original principal.
amount of $27,000.00 with interest at the rate
of 6% per anmnn, dated 3/20/84, balance due
as of date of death
l>brtgage fran PaulO. Dyannan and Hary L. .Oy'
to Bruce Dyarman and Ethel M. Dycu.'man, his wife,
dated 5/1/68, i.n the original principal amount
of $46,000.00, with interest at the rate of
4-1/2% per annum, bal.ance due as of date of
death
40 00
2.
46,949 00
3.
5,710 04
_.
NO. ITDol AIAOUtlT
4. Account #432..174-11.28, ~llon Bank 8,640 09
5. Growth Certificate #0129591, Mellon Bank 5,443 08
Interest accrued to date of death 8 29
6. Inccrne Certificate #235505, Mellon Bank 43,373 06
Interest accl"Ued to date of death 146 48
7. Growth certificate #0-B22256-C, Mellon Bank 20,000 00
Interest accrued to date of death 15 24
8. Inccxre certificate #410-087619-C, 11311.0n Bank 25,000 00
Interest accrued to date of death 17 11
9. Van Kal1q:len American Capital Government Se=ities
E\u~ A, Account #670718853, 5,373.035 shares at
9.94 53,407 97
10. Savings Account #000-033125, Orrstown Bank 2,893 16
Interest accrued to date of death 1 19
11. Certificate of Deposit #000-0049694, Orrstown 20,000 00
Interest accrued to date of dea.th 50 32
12. savings Account #5001820, <me fanners National
Bank of Newville 7,898 91
Interest accrued to date of death 3 58
13. ersona1ty appraised by Dennis L. Gotshall,
uctioneer 1,747 00
14. IS appraised by Dennis L. Gotshall, Auctioneer 680 00
15. oss proceeds fran sale of personalty 7,841 25
16. furils, Nationwide Insurance 236 95
'lWAL INVEN'IORY $250,102 72
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