HomeMy WebLinkAbout04-16-07
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15056041147
REV-1500 EX (06-05)
PA Department of Revenue
Bureau of Individual Taxes. .~.
PO BOX.280601 ~
Harrisburg, PA 17128-0601
ENTER DECEDENT INFORMATION BELOW
Social Security Number Date of Death
OFFICIAL USE ONLY
County Code Year
INHERITANCE TAX RETURN
RESIDENT DECEDENT 2 1 0 6
File Number
0011
Date of Birth
216011884
09042005
02171909
Decedent's Last Name
Suffix
Decedent's First Name
MACDONALD
HELEN
MI
M
(If Applicable) Enter Surviving Spouse's Information Below
Spouse's Last Name
Suffix
Spouse's First Name
MI
Spouse's Social Security Number
THIS RETURN MUST BE FILED IN DUPLICATE WITH THE
REGISTER OF WillS
FILL IN APPROPRIATE OVALS BELOW
[!] 1. Original Retum D 2. Supplemental Return [J 3. Remainder Retum (date of death
prior to 12-13-82)
D 4. Limited Estate D 4a. Future Interest Compromise D 5. Federal Estate Tax Retum Required
(date of death after 12-12-82)
D 6. Decedent Died Testate D 7. Decedent Maintained a Living Trust 0 8. Total Number of Safe Deposit Boxes
(Attach Copy of Win) (Attach Copy of Trust)
D 9. Litigation Proceeds Received D 10 Spousal povm CredU ~date of death D 11. Election to tax under Sec. 9113(A)
. between 12-31- 1 and -1-95) (Attach Sch. 0)
~ORRESPONDENT. THIS SECnON MUST BE COMPLETED. ALL CORRESPONDENCE AND CONFIDENTIAL TAX INFORMATION SHOULD BE DIRECTED TO:
ame Daytime Telephone Number
MARIELLE F. HAZEN 7175404332
()
0'1
Firm Name (If Applicable)
LAW OFFICE OF
MARIELLE
F. HAZEN
REGISTER:OfoWlLLS U~NL yl; ,
i '\,'
1'- :;0
First line of address
2000 LINGLESTOWN RD
-n
Second line of address
SUITE 202
o
City or Post Office
HARRISBURG
DATE FILED
State
PA
ZIP Cuuot
17110
Correspondent's e-mail address:
Under penalties of P.8~ury, I declare that I have examined this retum, including accompanying schedules and statements, and to the best of my knowledge and belief,
it is true, correct and complete. Declaration of preparer other than the personal representlitive is based on all information of which preparer haa any k\lOWledge.
SIG RE OF PERSON SPO LE FOR FILING RETURN DATE
June A. Pecukonls - 04--0
DATE
Marlelle F Hazen
4-
2000 Llnglestown Rd., Harrisburg, PA 17110
Side 1
L
15056041147
15056041147
-.J0.t
-.J
15056042148
REV.1500 EX
Decedenl'sName Helen M. MacDonald
RECAPITULATION
Decedent's Social Security Number
216011884
---~~--~----~----~~- --_.--------------- ..._.._-_..~--_._--------
1. Real Estate (Schedule A).......................................................................................... 1.
2. Stocks and Bonds (Schedule B)............................................................................... 2.
3. Closely Held Corporation, Partnership or Sole-Proprietorship (Schedule C).......... 3.
4. Mortgages & Notes Receivable (Schedule D)........................................................., 4.
5. Cash, Bank Deposits & Miscellaneous Personal Property (Schedule E)................ 5.
6. Jointly Owned Property (Schedule F) D Separate Billing Requested............. 6.
7. Inter-Vivos Transfers & Miscellaneous Non.PrObate Property
(Schedule G) D Separate Billing Requested............. 7.
8, Total Gross Assets (total Lines 1-7)....................................................................... 8.
9, Funeral Expenses & Administrative Costs (Schedule H)......................................... 9.
10. Debts of Decedent, Mortgage Liabilities, & Liens (Schedule I)................................ 10.
11. Total Deductions (total Lines 9 & 10)...................................................................... 11.
12. Net Value of Estate (Line 8 minus Line 11)............................................................. 12.
13. Charitable and Govemmental Bequests/Sec 9113 Trusts for which
an election to tax has not been made (Schedule J)................................................. 13.
14. Net Value Subject to Tax (Line 12 minus Line 13)................................................. 14.
--_.~_.-
TAX COMPUTATION - SEE INSTRUCTIONS FOR APPLICABLE RATES
15.
16.
Amount of Line 14 taxable
at the spousal tax rate, of
transfers under Sec. 9116
(a)(1 ,2) X ~ 0 00
Amount of Line 14 taxable
at lineal rate X .045 71.800 61
Amount of Line 14"'iaX8ble
at sibling rate X .12 0 00
Amount of Line 14 taxable
at collateral rate X .15 0 00
18.
15.
16.
17.
17.
18.
19. Tax Due...... .................".....,............ ............................ .............................................. 19.
20. FILL IN THE OVAL IF YOU ARE REQUESTING A REFUND OF AN OVERPAYMENT.
L
Side 2
15056042148
11.532.07
68.975.29
80,507.36
- - ------,-,..._--- --_..._~ ... -----_.. -~-
8,706,75
8,706 75
71.800 61
71,800,61
o 00
3.231 03
o 00
o 00
3,231 03
D
15056042148
--.J
REV-1500 EX Page 3
Decedent's Complete Address:
File Number 21-06-0011
DECEDENT'S NAME
Helen M. MacDonald
STREET ADDRESS --- ---~------_.._-------,._-
Cumberland Crossings, 1 Longsdorf Way
1 Longsdorf Way
CITY I STATE IZIP
Carlisle PA 17013
Tax Payments and Credits:
1. Tax Due (Page 1 Line 19)
2. Credits/Payments
A. Spousal Poverty Credit
B. Prior Payments
C. Discount
(1 )
212.63
0.00
3. Interest/Penalty if applicable
D. Interest
E. Penalty
Total Credits (A + B + C)
(2) 212.63
189.79
Total Interest/Penalty (D + E)
4. If Line 2 is greater than Line 1 + Line 3, enter the difference. This is the OVERPAYMENT.
Check box on Page 2 Line 20 to request a refund
5. If Line 1 + Line 3 is greater than Line 2, enter the difference. This is the TAX DUE.
A. Enter the interest Dn the tax due.
B. Enter the total of Line 5 + 5A. This is the BALANCE DUE.
(3)
(4)
(5)
(5A)
(58)
Make Check Payable to: REGISTER OF WILLS, AGENT
3,231.03
189.79
3,208.19
3,208.19
PLEASE ANSWER THE FOLLOWING QUESTIONS BY PLACING AN "X" IN THE APPROPRIATE Bl-OCKS
1. Did decedent make a transfer and: Yes
a. retain the use or income of the property transferred;.................................................................................. D
b. retain the right to designate who shall use the property transferred or its income;.................................... D
c. retain a reversionary interest; or.................................................................................................................. D
d. receive the promise for life of either payments, benefits or care?............................................................. D
2. If death occurred after December 12, 1982, did decedent transfer property within one year of death without
receiving adequate consideration?... .... ............................................................................................................... []
3. Did decedent own an "in trust for" or payable upon death bank account or security at his or her death?......... D
4. Did decedent own an Individual Retirement Account, annuity, or other non-probate property which
contains a benefiCiary designation?..................................................................................................................... D ~
IF THE ANSWER TO ANY OF THE ABOVE QUESTIONS IS YES, YOU MUST COMPLETE SCHEDULE G AND FILE IT AS PART OF THE RETURN.
For dates of death on or after July 1, 1994 and before January 1, 1995, the tax rate imposed on the net value of transfers to or for the use 10f the
surviving spouse is three (3) percent [72 P.S. S9116 (a) (1.1) (i)).
For dates of death on or after January 1, 1995, the tax rate imposed on the net value of transfers to or for the use of the surviving spous1s zero
(0) percent [72 P.S. S9116 (a) (1.1) (ii)). The statute does not exemDt a transfer to a surviving spouse from tax, and the statutory require ents
for disclosure of assets and filing a tax return are still applicable even if the surviving spouse is the only beneficiary. I
For dates of death on or after July 1, 2000:
The tax rate imposed on the net value of transfers from a deceased child twenty-one years of age or younger at death to or for the use of .
natural parent, an adoptive parent, or a stepparent of the child is zero (0) percent [72 P.S. S9116 (a) (1.2)). .
The tax rate imposed on the net value of transfers to or for the use of the decedent's lineal beneficiaries is four and one.half (4.5) percent,:
except as noted in 72 P.S. S9116 1.2) [72 P.S. S9116 (a) (1)). .
The tax rate imposed on the net value of transfers to or for the use of the decedent's siblings is twelve (12) percent [72 P.S. S9116 (a) (1.3)]. A
sibling is defined under Section 9102, as an individual who has at least one parent in common with the decedent. whether by blood or adoption.
No
~
~
~
~
[xl
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[!]
Rev.l503 EX+ (....)
.
SCHEDULE B
STOCKS & BONDS
COMMONWEALTH OF PENNSYlVANIA
INHERITANCE TAX RETURN
RESlllENT DECEDENT
MacDonald, Helen M.
FILE NUMBER
21-06-0011
ESTATE OF
All property jOlntIy-owned with rlght of survivorshIp mUllt be disclosed on Schedule F.
ITEM CUSIP VAUUE AT DATE
NUMBER NUMBER DESCRIPTION UNIT VALUE OF DEATH
1 316 shares of Fresenlus Medical Care AG -listed 9.808.64
security
2 22 shares of Sealed Air Corp New - listed security 1.108.25
3 53.8807 shares of WR Grace & Co - listed security 615.18
I
I
TOTAL (Also enter on Line 2, RecapItulation) 111.532.07
(If more space is needed, additional pages of the same size)
Copyright (c) 2002 fonn software only The Lackner Group, Inc.
I
I
Fonn PA-1500 Schedule B (Rev. 6-98)
Rev.11Ol1 EX+ (....)
*'
SCHEDULE F
JOINTL V-OWNED PROPERTY
COMMONWEALTH OF PENNSYLVANIA
INHERITANCE TAX RETURN
REllIOENT DECEDENT
MacDonald, Helen M.
I
FILE NUMBER I
21-06-0011
ESTATE OF
SURVIVING JOINT TENANT(S) NAME ADDRESS RELATIONSHIP TQ DECEDENT
A. June A. Pecukonis 610 Hilda Court Daughter
Mechanicsburg, PA 17055
B.
C.
If en UHt wee made joint within _ yeer of the decedent's date of da..". It must be ntpOrted on schedule G.
JOINTLY OWNED PROPERTY:
LETTER DATE DESCRIPTION OF PROPERTY %OF ATE OF DEATH
ITEM FOR JOINT MADE INCLUDE NAME OF FINANCIAL INSTITUTION AND BANK ACCOUNT ~ATE OF DEATH DECD'S VALUE OF
NUMBER TENANT JOINT NUMBER OR SIMILAR IDENTIFYING NUMBER. ATTACH DEED FOR ALUE OF ASSET INTEREST DEC EDENrS INTEREST
JOINTL Y-HELD REAL ESTATE.
1 A 2123181 739 Harding Street, New Cumberland, PA 128,500.00 50.000% 64,250.00
- per attached appraisal
2 A 41512003 Members 1st Federal Credit Union - 4,118.41 50.000% 2,059.21
Checking Account# 228600-11
3 A 41512003 Members 1st Federal Credit Union - 5,332.15 50.000% 2,666.08
Savings Account# 228600-05
!
TOTAL (Also enter on Line 6, Recapitulation) 68,975.29
(If more space is needed. additional pages of the same size)
Copyright (c) 2002 form software only The Lackner Group, Inc.
Form PA-1500 Schedule F (Rev. 6-98)
REV-1161 EX+ (12-'"
.
SCHEDULE H
FUNERAL EXPENSES &
ADMINISTRATIVE COSTS
COMMONWEALTH OF PENNSYLVANIA
INHERITANCE TAX RETURN
RESIDENT DECEDENT
MacDonald, Helen M.
Debts of decedent must be reported on Schedule I.
FILE NUMBER
21-06-0011
ESTATE OF
ITEM DESCRIPTION AM00NT
NUMBER :
A. FUNERAL EXPENSES: I
See continuation schedule(s) attached 6,265.75
B. ADMINISTRATIVE COSTS:
1. Personal Representative's Commissions
Social Security Number(s) I EIN Number of Personal Representative(s):
Street Address
City State Zip
-
Year(s) Commission paid
2. Attorney's Fees Marlelle F. Hazen 2,000.00
3. Family Exemption: (If decedent's address is not the same as claimant's, attach explanation)
Claimant
Street Address
City State Zip
Relationship of Claimant to Decedent
4. Probate Fees 91.00
5. Accountant's Fees
6. Tax Retum Preparer's Fees \
\
7. Other Administrative Costs Appraisal fee for property located at 739 Harding St., 350.00
TOTAL (Also enter on line 9, Recapitulation) 8,706.75
Copyright (c) 2002 form software only The Lackner Group, Inc. Form PA.1500 Schedul H (Rev. 6-98)
Rev.1M2 EX+ (8.88)
. SCHEDULE H.A
FUNERAL EXPENSES
continued
C~TH OF PENNSYLVANIA
INHERITANCE TAX RETURN
RESlllENT OECEDENT
ESTATE OF FILE NUMBER
MacDonald, Helen M. 21-06-0011
ITEM
NUMBER DESCRIPTION ~MOUNT
1 Miller Dippel Funeral Home. burial expenses 4,498.15
2 Parkwood Cemetery - grave opening and headstone 1,228.10
3 Schooners - luncheon following funeral 539.50
Subtotal 6,265.75
Co . ht c 2002 fOm1 software on The Lackner Group, Inc. FOm1 PA-1500 Schedule t .A (Rev. 6-98)
pyng ()
Iy
REV.1513 EX+ (11-0O)
.
SCHEDULE ..
BENEFICIARIES
COMMONWEALTH OF PENNSYLVANIA
INHERITANCE TAX RETURN
RESIDENT DECEDENT
NUMBER
MacDonald, Helen M.
NAME AND ADDRESS OF
PERSON(S) RECEIVING PROPERTY
TAXABLE DISTRIBUTIONS [include outright spousal
aistributionsA and transfers
under Sec. ~116(a)(1.2)]
RELATIONSHIP TO
DECEDENT
Do Not Ust TruAt-'sl
I
FILE NUMBER :
21-06-0011 "
SHARE OF ESTATE AMOUNT10F ESTATE
(Words) (1Ii$$)
ESTATE OF
I.
1
June A. Pecukonls
610 Hilda Court
Mechanlcsburg, PA 17055
Daughter
100%
Total
Enter dollar amounts for distributions shown above on lines 5 throuQh 18, as appropnate, on Rev 1500 cover sheet
II. NON-TAXABLE DISTRIBUTIONS:
A. SPOUSAL DISTRIBUTIONS UNDER SECTION 9113 FOR WHICH AN ELECTION TO TAX IS NOT
BEING MADE
B. CHARITABLE AND GOVERNMENTAL DISTRIBUTIONS
TOTAL OF PART 11- ENTER TOTAL NON-TAXABLE DISTRIBUTIONS ON LINE 13 OF REV-1500 COVER SHEET 0.00
Copyright (c) 2002 fOl1ll software only The Lackner Group, Inc. FOl1ll PA-1500 SchedUI J (Rev. 6-98)
COMMONWEALTH OF PENNSYLVANIA
DEPARTMENT OF REVENUE
*'
BUREAU OF INDIVIDUAL TAXES
INHERITANCE TAX DIYISION
PO BOX 280601
HARRISBURG PA 17128-0601
NOTICE OF INHERITANCE TAX
APPRAISEMENT, ALLOWANCE OR DISALLOWANCE
OF DEDUCTIONS, AND ASSESSMENT OF TAX ON
JOINTLY HELD OR TRUST ASSETS
REY-1548 EX AFP (06-05)
JUNE A PECUKONIS
610 HILDA CT
MECHANICSBURG PA 17055
DATE 02-06-2006
ESTATE OF MACDONALD HELEN M
DATE OF DEATH 09-04-2005
FILE NUMBER 21 06-0011
COUNTY CUMBERLAND
SSN/DC 216-01-1884
ACN 05157511
APPEAL DATE: 04-07-2006
(See reverse side under Objections)
Amount R..ittBdl . I
MAKE CHECK PAYABLE AND REMIT PAYMENT TO:
REGISTER OF WILLS
CUMBERLAND CO COURT HOUSE
CARLISLE, PA 17013
CUT ALONG THIS LINE -+ RETAIN LOWER PORTION FOR YOUR RECORDS +-
Riv=is4i-ix-AFP-loJ=osi--------------------------------------------------------------------
NOTICE OF INHERITANCE TAX APPRAISEMENT, ALLOWANCE OR DISALLOWANCE OF
DEDUCTIONS, AND ASSESSMENT OF TAX ON JOINTLY HELD OR TRUST ASSETS
DATE 02-06-2~06
ESTATE OF MACDONALD HELEN M DATE OF DEATH 09-04-2005 COUNTY CUMBERLAND
FILE NO. 21 06-0011
TAX RETURN WAS:
S.S/D.C. NO. 216-01-1884
(X) ACCEPTED AS FILED () CHANGED
JOINT OR TRUST ASSET INFORMATION
ACN
05157511
FINANCIAL INSTITUTION: MEMBERS 1ST FCU
ACCOUNT NO.
228600-11
TYPE OF ACCOUNT: ()SAVINGS ~) CHECKING ()TRUST ()TIME CERTIFICATE
DATE ESTABLISHED 04-05-2003
Account Balance
Percent Taxable X
Amount S~bject to Tax
Debts and Deductions
Taxable Alllount
Tax Rate X
Tax Due
4,118.41
0.500
2,059.21
.00
2,059.21
.45
92.66
NOTE: TO INSURE PROPER CREDIT TO
YOUR ACCOUNT, SUBMIT THE
UPPER PORTION OF THIS NOTICE
WITH YOUR TAX PAYMENT TO THE
REGISTER OF WILLS AT THE
ABOVE ADDRESS. MAKE CHECK
OR MONEY ORDER PAYABLE TO:
"REGISTER nF WILLS, AGENT."
TAX CREDITS:
PAYMENT RECEIPT DISCOUNT (+) AMOUNT PAID
DATE NUMBER INTEREST/PEN PAID (-)
01-04-2006 CD006117 .00 92.66
TOTAL TAX CREDIT 92.66
BALANCE OF TAX DUE .00
INTEREST AND PEN. .00
TOTAL DUE .00
· IF PAID AFTER THIS DATE, SEE REVERSE FOR CALCULATION OF ADDITIONAL INTEREST. .
( IF TOTAL DUE IS LESS THAN $1, NO PAYMENT IS REQUIRED.
IF TOTAL DUE IS REFLECTED AS A "CREDIT" ( CR), YDU HAY BE DUE A REFUND.
SEE REVERSE SIDE OF THIS FORM FOR INSTRUCTIQNS. )
COMMONWEALTH OF PENNSYLVANIA
DEPARTMENT OF REVENUE
*'
BUREAU OF INDIVIDUAL TAXES
INHERITANCE TAX DIVISION
PO BOX 2110601
HARRISBURG PA 171211-0601
NOTICE OF INHERITANCE TAX
APPRAISEHENTI ALLONANCE OR DISALLONANCE
OF DEDUCTIONS I AND ASSESSMENT OF TAX ON
JOINTLY HELD OR TRUST ASSETS
REV-154l1 EX AFP (06-05)
JUNE A PECUKONIS
610 HILDA CT
MECHANICSBURG PA 17055
DATE 02-06-2006
ESTATE OF MACDONALD HELEN M
DATE OF DEATH 09-04-2005
FILE NUMBER 21 06-0011
COUNTY CUMBERLAND
SSN/DC 216-01-1884
ACN 05157510
APPEAL DATE: 04-07-2006
(See reverse side under Objections)
AIIaunt RH1tted I I
MAKE CHECK PAYABLE AND REMIT PAYMENT TO:
REGISTER OF WILLS
CUMBERLAND CO COURT HOUSE
CARLISLEI PA 17013
CUT ALONG THIS LINE -+ RETAIN LOWER PORTION FOR YOUR RECORDS .....
REv:i5~i-Ei-AFP-(Oi:05j--------------------------------------------------------------------
NOTICE OF INHERITANCE TAX APPRAISEMENT, ALLOWANCE OR DISALLOWANCE OF
DEDUCTIONS, AND ASSESSMENT OF TAX ON JOINTLY HELD OR TRUST ASSETS
DATE 02-06-2006
ESTATE OF MACDONALD
HELEN
M DATE OF DEATH 09-04-2005
COUNTY
CUMBERLAND
FILE NO. 21 06~0011
TAX RETURN WAS:
S.S/D.C. NO. 216-01-1884
(X) ACCEPTED AS FILED () CHANGED
JOINT OR TRUST ASSET INFORMATION
ACN
05157510
FINANCIAL INSTITUTION: MEMBERS 1ST FCU
ACCOUNT NO.
228600-05
TYPE OF ACCOUNT: ~ )SAVINGS () CHECKING ()TRUST ()TIME CERTIFICATE
DATE ESTABLISHED 04-05-2003
Account Balance
Percent Taxable X
Amount Subject to Tax
Debts and Deductions
Taxable Amount
Tax Rate X
Tax Due
51332.15
0.500
21666.08
.00
21666.08
.45
119.97
NOTE: TO INSURE PROPER CREDIT TO
YOUR ACCOUNTI SUBMIT THE
UPPER PORTION OF THIS NOTICE
WITH YOUR TAX PAYMENT TO THE
REGISTER OF WILLS AT THE
ABOVE ADDRESS. MAKE CHECK
OR MONEY ORDER PAYABLE TO:
"REGISTER OF WILLSI AGENT."
TAX CREDITS:
PAYMENT RECEIPT DISCOUNT (+) AMOUNT PAID
DATE NUMBER INTEREST/PEN PAID (-)
01-04-2006 CD006174 .00 119.97
TOTAL TAX CREDIT 119.97
BALANCE OF TAX DUE .00
INTEREST AND PEN. .00
TOTAL DUE .00
· IF PAID AFTER THIS DATEI SEE REVERSE FOR CALCULATION OF ADDITIONAL INTEREST. .
IF TOTAL DUE IS LESS THAN $11 NO PAYltENT IS R~QUIRED. .
IF TOTAL DUE IS REFLECTED AS A '"CREDIT" ( CRll YOU HAY BE DUE A REFUND.
SEE REVERSE SIDE OF THIS FORH FOR INSTRUCTIONS. l
IRIe No HARDlNGST7391 Paae #11
JOHN S. BOSWELL
CENTRAL PENN APPRAISALS, INC.
24 W. MAIN STREET
SHIREMANSTOWN. PA 17011
October23,2006
ALFRED B. & JUNE A. PECUKONIS
610 HILDA COURT, MECHANICSBURG, PA 17055
Re: Property: 739 HARDING STREET
NEW CUMBERLAND, PA 17070-1437
Borrower: N1A
File No.:
In accordance with )'OIlr requeet, we have appraieed the above referenced property. The report of that appraisal is
attached.
The pwpose of this appraisal is to estimate the market value of the property described in this appraisal report, as
Improved, In unencumbered fee simple title of ownership.
This report is based on a physical analysis of the site and improvements, a Iocalional analysis of the neighborhood and
city, and an economic analysis of the market for properties such as the subject. The appraisal was developed and the
raport was prepared in acoordance with the Uniform Standards of Professional Appraisal Practice.
The velue conclusions raported ara as of the effective date stated In the body of the report and oontingent upon the
certlllcation and Umlting conditions attached.
It has been a pleasura to asslst)'Oll. Please do not hesilete to contact me or any of my staff if we can be of additional
service to )'OIl.
Sincerely,
g
PA CERT RL-00140~L I RESIDENTIAL
717-737-7633 DIRECT
IFiIe No HARDlNGST7391 Pace #21
FROM:
Bonnie Myers, Office Manager
Central Penn Appraisals, 100
24 West Main Street
Shlremanstown. PA 17011
INVOICE
T.....NumbIr: 717-737-4600
FalUnbtr. 717-737-9123
HARDINGST739
10-23-2006
TO:
ALFRED B. & JUNE A. PECUKONIS
610 HILDA COURT
MECHANICSBURG, PA 17055
T.....Numblr: 717-691-1676
~NunlbIr:
Fa Nulllber:
E-IlIlI: alpec@tocalnelcom
InIemII Order I:
IAndtr CIN II:
CIlInt FIll:
IIIIn Ftltllonfarm: HARDINGST739
OIhIr FIlII on farm:
FtdInII To I): 25-1733269
~IO:
UNIFORM RESIDENTIAL APPRAISAL REPORT
LIndIr: ALFRED B. & JUNE A. PECUKONIS
Purcl1IIIr/BOmlwer: N/A
Pnlperty AddrIK 739 HARDING STREET
CIty: NEW CUMBERLAND
County: CUMBERlAND
LegII DllcrlptlDII: DEED BOOK 00291, PAGE 00169
ClInt: PRIVATE
StIIt:PA
Zip: 17070-1437
URAR - SINGLE FAMILY APPRAISAL
RETROSPECTIVE APPRAISAL DATED 09-04-2005
350.00
SUBTOTAL
350.00
CIlICllII:
CIlICllII:
CIlICllII:
1lIle:
DIlt:
DIlt:
~:
~:
~:
THANK YOU.
SUBTOTAL
TOTAL DUE $
350.00
Fonn NIV5 - 'WinTOTAL' appl1lsaJ software by a Ia mode. inc. -l-IlOO-ALAMOOE
Central PeM Appl1lsaJs, Inc. (717) 737-4600
SUMMARY OF SALIENT FEATURES
Subject Address 739 HARDING STREET
Legal DescriptIon DEED BOOK 00291, PAGE 00169
City NEW CUMBERLAND
COtIIIy CUMBERLAND
State PA
Zip Code 17070-1437
Census Tract 0107.00
MapRBference 25420
Sale Price $ N1A
Dale of Sale N1A
BorrowerlCieot N1A
Lender ALFRED B; & JUNE A. PECUKONIS
Size (Square Feel) 1,114
Price per Square Foot $
Location AVERAGE
Age 56
Condition AVERAGE
Total Rooms 5
Bedrooms 2
Baths
Appraiser JOHN S. BOSWELL
Dale of Appraised Vay ll9-O4-2OO5
Final EstImate of Value
$ 128.500
Fonn SSD - "WinTOTAL' appraisal software by a Ia mode, inc. -l-<<lO-ALAMOOE
IAIe No HARDlNGST7391 Paoe #31
Central Penn Appraisals, Inc. (717) 737-4600
!file No HARIlINGST7391 Pane #41
Unlfonn Residential Appraisal Report fit, HARDINGST739
The DIIIIIOse of 1IU s rt is to IlIOvkIe 1118 lencler/clent wi1h an acctnte, and adeaua18lY slllDOll8d, oDlrion of 1118 market yakJe of 1118 subitr:t orollllllV.
PrIIIiertv Address 739 HARDING STREET City NEW CUMBERLAND Slate PA ZiP Code 17070-1437
Ilomlwer N1A Owner of NJlic Recool HELEN M. MACDONALD ESTATE COIIlly CUMBERLAND
lllnoI DestltDllon DEED BOOK 00291 P,lGE 00169
Assessor's Pan:eI # 26-23-0543-133 Tax Year 2005/2006 R.E. Taxes $ 1 602.89
g Name NEW CUMBERLAND BORO Mao Reference 25420 Census Tract 0107.00
r 1 Owner 00 Tenant n Vacart Soeclal Assessments $ 0.00 r1 P\JD HOA$ N1A r I oer year r Der mon1h
IU ADoraised 00 Fee Slllllle r1 LeaseOOld n 0Iher (descrlbel
AsskmBlt Tyoe r1 PlRhase Transaction n Refinance Transaction 00 0Iher (describel OPINION OF MARKET VALUE (ESTlMATEDl.
lender.lr.lIent ALFRED B. & JUNE A. PECUKONIS Address 610 HILDA COURT MECHANICSBURG PA 17055
Is 1118 subiecl orooertv CllT8n1tt oflenld lor sale or has ft been oIIered lor sale in 1118 twelvIl months Prior to 1118 effective date of lI1Is lIIJIlraisal? UYes ~No
RIlIl/llt da1a SOIlC8/sl used olIeI1l1D IlriMISI. and date(sl. LOCAL MLS.
I D did ~ did not anaJyze 1118 contract for sale lor 1118 subject plfChase transaction. Explain 1118 results of the ..~is of 1118 contract for sale or why 1118 analysis was not
. N1A
Connct Prfce S N1A DaIll of Contract N1A Is 1118 orooertY seier 1118 owner of Dubie record? U Yes LJ No Oa1a Sotrce{S) N1A
Is there any financial assistance (loan _es, sale concessions, gift or dOWJ1)ayment assistance, etc.) to be paid by any party on behaff of 1118 borrower? Dyes DNo
ff Yes,l8DOIl the total doUar arnoon! and describe the Items to be oaid. N1A
--....-e...iIiii.....- PRICE AGE One-Uril 95%
LocalIon r UIban Subutban I RtraI I PnID8rtv Values Increasi~ L J Stable U DecIIinO
Buil.uo ~ Over 75% 2S-7S" n lhler 25" I DemandlSWlDIY D Shortage 18110 Balance D Over Supply $ (000) (Yrs) 2-4 Unft U
Growth r Raoid 00 Stable nSlow I Mark81loo Time 00 Under 3 mIhs f 1 3-6 mills n OVer 6 rnhs 80 Low 20 Mulll-Familv 1%
801l1dar1es THE BOROUGH LINE TO THE NORTH EAST SOUTH AND WEST. 400+ Hioh 200+ Commercial 2%
165 Pred. 55 0Iher U
Descnotion ThIs suburban MlDhborhood has most oubllc utilities available relatlvelv easv access to emDlovment and services and is
comoetlllwt wlth other MlDhborhoods in the lIAneral area. Most hava slmllar amenftles. No unfavorable factors were obseNed which would
advRnullv effect rnarketablltv. Market actlvltv Indlcatae IMlraoe or better acceotance in the market clace.
MnIt Conditions tlnckldlno suooort for the above coasionsl Sse attached addenda.
Dimensions SEE LEGAL DESCRIPTION Ana 0.17 ACRE snaoe RECTANGULAR View AVERAGE
I Specific lDlina Classlflcallon R1 SINGLE FAMILY RESIDEN" lD ONE FAMILY DWELLING
lance 00 LeaaI n Leaal Noocordomioo tGrandfathered Usel r1 No Zonioo n IlIegaJ (describel
Is thehlllhest and best use of subieCl DIOD8IlV as imoroved (or as D/ODosed oer D1ans and soecificatlonsllll8 Dresen! use? ~ Yes LJ No ff No, describe
IHIIH PuIIlIc 0lMr Idltcllltl PuIIlIc 0lMr IdItcIIIt 0IftIII - 1'IDI PM PrIvslI
EJecIIjcllv 00 f1 60 AMP FUSE Water 00 f1 Street ASPHALT 00 fl
Gas 15<:1 fl SanI1arv S- 00 f1 MiN ASPHALT 15<:1 fl
FEMA Soecial Fbod Hazard Area f 1 Yes 00 No FEMA Fbod Zone C FEMAMao# 4203860oo1B FEMA Mao DaI8 2/16/1977
Are the ulIIlIes and oil-site . lor 1118 matkel area? 00 Yes r 1 No ff No describe
Are thenl any adverse site conditions or extemaI factors (easements encroacllnenls environmental conditions land uses etc.l? II Yes IXI No n Yes describe
There ara no aooarent adverse environmental conditions observed UDOn Insoection of the Imorovements the site or in the Immediate viclnltv of the
. Site has awraoe site ImDIDIIBments allel'8ae Iandscaalno. and Ivoical malntanance. There ara no aDoarent advarse easement
_ents or othe~ilions on this slle.
~ <n r1 <n with AccessOlV lJJit Concrete Slab IXI Crawl Soace FoII1dation W8Is CON. BLOCK - AVE. Fioors CPTIHWrr - AVE.
. # 01 Stories 1 111i Basement 00 PartlaI Basement ExIBrIor WaIs BRlSTfT111 - AVE. Walls PLAS./DW - AVE.
.TVD8 00 Del. rl All. n S-Del.IEnd Uril Basement Area 766 sa.ft. Roof Sulface SHINGlE - AVE. TrinVFlnish WOOD-AVE.
I Prooased n Under Const Basement finish 0 " Gutters & Downsoouts ALUMINUM - AVE. Bath Fklor VINYL - AVE.
Deslon IStvlel RANCHER 1 Outside Entrv/Ellil Window TVD8 DBL. INSULAT. - GD Bath Wainscot FIBERGLASS - AVE
Year Bail 1950 Evidence of Ilrdestallon Stann SasMnsuIaIed NO / YES - GOOD C.. Stcnge I I None
EfIectIve Aoe IYrsl 20 10an1lness r 1 SellIement Screens YES - GOOD J Driveway # of Cars
AllIe None HeelIoo IX! FWA II I HWBB II Radlanl Amenities Woodstove Sl # DrivewaY Strface
1 Draa Stair ~ Slalrs 1 0Iher IFueI GAS - NEW n Fireolacetsl # Fence 00 Garaae # of Cars 1
1 FkJor ~ Scutlle CaoIoo 00 Central Air Condlllorino n PatioJDeck Porch 1 Caroort # of Cars
1 Fillshed Heated 11ndiv1dua1 ILJ 0Iher [J Pool 0Iher J All. ~ Del. n BuiIl~n
IIl_erator ~ 00 Dishwasher r1 Oisoosal n Microwave n Washer/DrYer [J 0Iher (describe) NEW GAS WATER HEATER
FIIished area IIIcMt orade contains: 5 Rooms 2 Bedrooms 1 Bath(sl 1 114 Soua18 Feet of Gross LiYloo Area Above Glade
Mdillanallealures ellicient Items elc.l. REPLACEMENT WINDOWS THROUGHOUT. NEW FURNANCE & CENTRAL AIR.
Describe 1118 condIIIon of the IlIOIl8I1V fll1ClKlino needed l1oa1rs. deterioration renovations remodelno. etc.l. These imDlOwments are of awraoe aualitv brick
& frame / T111 desion and reflect allel'8ae maintenance.
Are thenl any ohvsical deficiencies or adverse conditions that affect the Ivablltv, sollldness, or strucltraIlnteorltv of the orooertv? r1 Yes 00 No fI Yes, describe
No unuALI&l functional obsolescence or externallnad""uacies wene observed.
Does the conform to 1118 nelDhborhood tIunr:tIonaI utilitv, stYle. condIIIon, use, constuc1ion etc.l? ~ Yes L J No ff No, describe
: UtiHtv of floor clan islvolcal for a house of this ace and sMe and shoukl raceiw awraae acceDtence In the market clace.
Frsddle Mac Form 70 March 2005
Page 1 of6
Fannie Mae Form 1004 March 2005
Form 1004 - 'WinTOTAI.' appraisal sottw..e by a Ia mode, inc. - f-80D-ALAMOOE
IAIB No HARDtNGST73QI Paae #51
Unlfonn Residential Appraisal Report FIle, HARDINGST739
TtIr8 ... N1A oIInI for sale In lI1lI sldll8ct lI8iahborhood ranalna In Dric8 from $ N1A to $ N1A
TtIr8 ... 9 c:o~ sales In lI1lI sub' wlttin lI1lI oast lWlM IIVlnlls ranalna In sale Drice from $ 68 500 to $ 146 500
FEAllJRE I SUBJECT COMPARABlE SALE # 1 ClM'ARABLE SALE # 2 ClNPARABLE SAlE # 3
Address 739 HARDING STREET 810 LINWOOD STREET 716 BARBARA STREET 734 ELKWOoo DRIVE
NEW CUMBERLAND PA 17070- NEW CUMBERLAND PA 17070 NEW CUMBERLAND PA 17070 NEW CUMBERLAND PA 17070
to Sublect . m SE ~. m S 0.38 miles SE
Sale PrIce 1$ Nt $ 146 500 $ 134 999 $ 110000
Sale PrIc8IGross Uv. Area .ft. .87 so.ft. $ 145.94 so.lI. $ 95.7450.11.
lIaIa SotI1:8/sl ASMT RECORDS/MLSlAGENTf ASMT RECORDS/MLSlAGENTf ASMT RECORDSIMLSlAGENTf
VertIIcalIan SolR8lsl LEMENT DEPT. SETTLEMENT DEPT. SETTLEMENT DEPT.
VALl( ADJUSTMENTS DESCRIP110N DESCRIPTION +l-l $ Adlusbnenl DESCRIPTION +l-l $ Adiustment DESCRIPTION +(-1 $ Adiuslment
Sales or Ananclng CONV. CONV. FHA
Concessions NONE KNOWN NONE KNOWN NONE KNOWN
Il8U aI SaItITIme 08-26-05 f 81 08-22-05 f 11 03-31-05 f 6
LocaIIan AVERAGE AVERAGE AVERAGE AVERAGE
l.8Is8IIc*l,fee SImoI8 FEE SIMPLE FEE SIMPLE FEE SIMPLE FEE SIMPLE
SIlII 0.17 ACRE 0.14ACRE 0.14 ACRE 0.20 ACRE
\'I8w AVERAGE AVERAGE AVERAGE AVERAGE
n IStvIeI RANCHER RANCHER RANCHER RANCHER
of Canstruclian AVE. - BRlSTfT AVE. - BRICK AVE. - BRKlAL AVE. - STNlAL
AetuaI AGe 56 45 59 51
Canditlan AVERAGE GOOD -10000 GOOD -10000 AVERAGE
Abave Grade TolaIllktms.11laIhs TolaIllktms.11laI1s TolaIllktms.lllalhs TolaIlBdrms.l1lalhs
Roam Count 5 I 2 I 1 6 I 2 I 1 4 I 2 I 1 5 I 2 I 1
Gross UvIna Area 1 114 so.ft. 1 502 50.11. -5800 925 so.lI. +2800 1 149 so.lI.
IIasemeIt & Antshed 768 Sq.Ft. PART BASE. FULL BASE. PART BASE.
Roams Ba Grade UNFINISHED REC RMJ8ATH -6500 UNFINISHED UNFINISHED
FuncIional UlIIv AVERAGE AVERAGE AVERAGE AVERAGE
Eaail10 GFHAf CA OFHAf CA GFHA f CA OFHA f NO CA
Erwov EIIIcienIIlems TYP FOR AREA TYP FOR AREA TYP FOR AREA TYP FOR ARE}
1 GAR. DET. NONE +6 500 NONE +6 500 1 GAR. ATT.
Pon:M'aIlWOeck NONE COV. STOOP -1 000 PORCH -2000 PORCH
NONE PAOO -1000 DECK -1500 NONE
NONE 1 FIREPLACE -2 000 1 FIREPLACE -2 000 NONE
NONE NONE NONE NONE
NelAdIustm8ntITatall _1 + 00 - $ -19600 r1 + 00. $ -6200 00 + n - $
AdjUSllld Sale Price Net Adj. 13.3" Net Adj. 4.6'" Net Adj. 2.0'"
of CanuaralJles Gross Adi. 22.1 ... $ 128700 Gross Adi. 18.4 ... $ 128799 Gross Adi. 10.2 ... $
i 00 did r did nat research 1he sale or trans1er of lI1lI subl8ct orooenv and COmoaraDle sales. n nat, llIWIain
+3 700
+3 000
-2500
-2000
2200
112200
'11II research 1 did 00 did nat reveal anv Driar sales or transfers of lIIe subiect orull8l1V lor lIIe 1Iree vears oriar to lI1lI elIect1ve date of 11II5 8Dpraisal.
IlaIa SoIrcels LOCAL K.S & COURT HOUSE ONLINE.
111II research 1 did ~ did nat reveal anv DriIlr sales or tnIlslers of lIIe COIIII8rable sales lor lI1lI year IlIIar to lI1lI date of sale of the c:ormarable sale.
DIIa SoIrcels LOCAL K.S & COURT HOUSE ONLINE.
. RlIIort lI1lI resulls of the research and analllsls of the IlI10r sale or trans1er hislorv aI the sublect OIDD8rtv and c:ormarallle sales lreoort addIllanalll1ar sales on page 3).
ITEM SUBJECT COMPARABlE SALE #1 COMPARABLE SALE #2 CIJolPARABLE SALE #3
Date of Prior SalelTransIer 03-06-1981 NONE KNOWN TO EXIST NONE KNOWN TO EXIST NONE KNOWN TO EXIST
Price of Prlor SaleITransIer 143 900 OTHER THAN ABOVE OTHER THAN ABOVE OTHER THAN ABOVE
IlaIa SoIrce(sl COURT HOUSE ONLINE COURT HOUSE ONLINE COURT HOUSE ONLINE COURT HOUSE ONLINE
ElIectIYe Date of DIIa Sauree(sl 10-23-2006 10-23-2006 10-23-2006 10-23-2006
ArIaMis of nrior sale or tansfer IislDrv of the and como rable sales NO UNUSUAL CHARACTERISllCS IN SALES HISTORY OF SUBJECT
OR COMPARABLES.
~of Sales COlI1OlIrlson AoDlOllch 1-M three sales are considered to be reliable indicators of value and are weiahted similarlY in the finsl
reconclliatlon. AI three com""rable sales are located in the same market area as the sublect orooertv and would be considered bv the same
ser If all were on the market at the same time as the sublect. Comoarables sales used are all closed sales. ADorooriala
adlustments hew been made for al differences. I haw selected the beet comoarables available at this time.
IndIcalBd Value bv Sales
IndIcIlId YIIue bv: SIIII
See.............. -....-...-.
$ 128500
$ 128500
Colt AtIDIllICII (H dMIoDedJ $ N1A
IIICOIIII
$ N1A
TIis iIlJIIraisal is made 181 "as Is", 0 sldlject to COI11lletlan per plans and speclllca1lons on the basis of a hypothetical condition thai the improvements have been
~, 0 sldlject to lI1lI foIowIng repairs or aIIeraIions on lI1lI basis 01 a hypothetical condition thai the repairs or alterations have been cOlllll8led, or 0 subject 10 lIIe
f . lired tnSoectIon based on lI1lIexlraordlnarv assumD1lon thai the condition or dellcillllCV does not reaulre alleration or reoaIr. RETROSPECTIVE APPRAISAL
INSPECTED 10-17-2006 4ft) 10:00 NA.
IIIId on . campllll vIIUIIlnIDIctlon of tile InlIrIor and IIIIrIDr .. of lIIIlUbIIct 1IlOIlIIlY, dIIIned ICOJII of WIllk. IlIlImInl of 1!I!IUIIIPlIon' IIId Umltlng
condlIonI, and ........ CIIflIIctIIon, my (otI') opinion of tile nwIIIl YIIuI, . iIIIIriId,' of iii 1'1II ....., lIIIllllhl ... of tIIII "IIOIf Is
$ 128 500 .. of 09-04-2005 wIIIcIt II tile ... of rMa.ctIan and till IIIIClIvI dill of tIIIIlDlIIIiIiI.
Freddie Mac Fonn 70 March 2005
Page 2 of 6
Fannie Mae Fonn 1004 March 2005
Fonn 1004 - 'WmTOTAL' appraisal software by a Ia mode, inc. - 1-8OO-ALAMODE
IRIe No HARDlNGST7391 Pace #61
Uniform Residential ADDralsaJ Report fill HARDINGST739
AMENDMENT TO SCOPE OF WORK: THE INTENDED USER OF THIS APPRAISAL REPORT IS THE LENDER/CLIENT ONLY. THE
INTENDED USE IS TO !;VAluATE TWE PROPERTY THAT IS THE SUBJECT OF THIS FOR A MORTGAGE FINANCE
TRANSACTION SUBJECT TO THE STATED SCOPE OF WORK PURPOSE OF THE APPRASIAL REPORllNG REQUIREMENTS OF THIS
APPRAISAL REPORT FORM AND THE DEFINmON OF MARKET VAlUE AS DEFINED BY FANNIE MAE AND OR FREDDIE MAC.
THE REPlACEMENT COST IS USED FOR NEW CONSTRUCTION. OR HOMES LESS THAN 5 YEARS IN AGE ONLY.
THE INCOME APPROACH TO VAlUE IS USED ONLY WHEN THE SUBJECT IS TO BE A SINGLE FAMILY RENTAL PROPERTY.
APPRAISER ACKNOWLEDGEMENTo [APPRAISERS ACKNOWLEDGES AND AGREES IN CONNEcnoN WITH ELECTRONIC SUBMISSION
OF APPRAISALS AS FOLLOWS; 0 JTHE SOFlWARE UTILIZED BY THE APPRAISER TO GENERATE THE APPRAISAL PROTECTS
ilGNATURE SECURITY BY MEANS OF A DIGITAL SIGNATURE SECURITY FEATURE WHICH LOCKS THE REPORT WITHIN OUR OFFICE
AND CAN NOT BE AlTERED BY ANYONE OTHER THAN OUR OFFICE.nr n
JAPPRAlSER CERnFICATlONo oAPPRAISER STANDARDS 0 01 acknowledae and certify that III myannraisal of the above referenced nronertv
m- be U88d In a federalv related financial transaction subiect to ""'uiremenls of TiIIA XI of the Flnanclallnstitution Reform Recoverv and
Enforcement fld. of 1989 IFIRREA"l: 1111 the aDOraisal must comDlv with FIRREA and the aDDlicable reaulations imDlementina T1tIe IX of Firrea' and
iiI the allllraisal was comnlAbld In accordance with USPAP. n ,APPRAISER COMPETENCYn, I MI1Ifv that I am fuUv ouallfled and comllAtent bY
trainlna. kl'll>WledaA. and ellD8lillnc8 to Il8Iform this annraisal.l II IAPPRAlSER INDEPENDENCE I II I renresent and certlfv that III the aooraisal
BSlIitlnm..nt was based naI based on a ......- minimum valURtitln a sllAdfic valulllinn or the annroval of a loan' liil my emnk>vment was not
conditionacl UIlOn the a""""lsal nmdudna a allAdfic value or value within a olven ra"""': llIll my fU:ure emolmnnent Is not dellAndent uoon an
l!InnrAlRAl nmdudna a RllAcifIc value: 1M my emllk>vment comllAflBl!ltitln and future amllkMnent ana not based uoon whether a loan annlication waf
aoorovad~ Ivl neither me nor anY llAI'1ICln with an ownerahin interest In the coml)l!lnv emllklvlna me Is related to or has anY ownershlo or other
financial interest in either the bulder/..-........... seller buwr mlli1mJoe broker or real Aall!Ite broker/aalesllArson lor anY OAnlCln related to anY of
them) involved in the transaction for which this aoDl'llisal was reouested or with the most recent asia or reflnanclna of anv OlOllArtv used as a
comoarable orooertv in this aooralsal. and (vi) I am not aware of a dlaouallfv me from beina considered an indellAndent
ann raiser. J 0 OAPPRAlSAL INSTITUTE CERnFICA 1l0No JI certlfv that to the best of mv knowledae and belief this raoort analYses. ooinions and
ions were dAVRlooAd and this - has """" nra.....nod in oonformnv with the raaulramenta of the Code of orofaaaionsl Ethics and the
Standards of Profaaaional AIlIlralsal Pracllce of the AIlIlralsallnstitute. 0 0 I CArIifv that the use of this raoort Is sublect to the ""'u1raments of the
AIlIlralsallnstitute relati tta dulv authorizlld renresentetMl&. u
THIS IS A SUMMARY REPORT OF A COMPLETE APPRAISAL.
. Provide adeaual81nlonnat1on for 1118 lenderJcIsnl to 1lIIIlIcaI81118 below cost f1aures and caIcuIalIons.
. SIIIoort lor 1118 ooIrion 01 sill vaU Isummarv of c:ormarabIe land _ or other lI1IIl1ods for estImatIoo slt8 valIel LOCAL M..S COUNlY RECORDS ONLINE AND
APPRlASERS EXPERIENCE.
ESTIMATED n REPRODUCTION OR ~ REPl.ACEMENT COST NEW OPINION OF SITE VALUE .. =$
Source 01 cost data MARSHAlL & SWIFT COST VALUATION SERVICE DWEWNG SQ.Ft @ $ - -- =$
. 0uaIlv ratloo from cost S81Y1ce AVE. Effecllve dale of cost data 09-2006 8o.Ft /ij) $ - =$
ComrneI1ls on Cost Aooroach loross lvina area caIcIiIlIons, deanlcialion, etc.l -. =$
The cost aollml!ldl was considAred but dAAmed inallllmnriate SQ.Ft @ $ -. =$
the sublectiYa adlustments warranted for llIMlical derll8dl!ltitln due to the Total EstImaI8 of Cost-New ----.-. =$
lIUbiect's l!Idu.lIl aoe. No obsoleeoence was obseMld. less Phvslcal IFuncllonal IExIemaI
I Deoreciation I I =$(
IDeonIciabld Cost of Il11lI1IV8ments =$
'As-is" Value of SIte IlIIIravements =$
EslinIIId R__ Economic life IHUD and VAil 40 Years INIlIl:ATED VALUE BY COST APPIIOACII =$
____..., '"' X....~ "A -, "A ~
of Income Approach (Inckldlno sullllOlllor mark8t III1l and I
~ 1118~' Assaclallan IHOAl? ~Yes n No Unlttwelsl rl Delached n AlIached I
Provide 1118 folIawina inIamtation for PUOs ONlY n 1118 develaoerJbullder is In control of the HOA and the su is an attached dwelno unit.
l8aaI Name of Proiect
Total rumer of ohases Total number of units N1A Total runber of units saki
T alai number of uri1s III1lIld TotaIlUIIber of units far sale N1A Data soarce sl
Was the DrDlect created by 1118 conversion of 8lIistIna buildilOls) Into a PlJD? n Yes r lNo If Yes, date of conversion.
Does the IIIlIi8ct contain a 1I1its? [] Yes [] No Data Source
Are 1118 units. cornnon eIemerts and recreation facll1les ~? f1 Yes n No If No, desMbe 1118 status of cOlllllelian.
Are 1118 colll11On eIemenIs IeasecI to or bY tile Homeowners' Association? r lYes f 1 No If Yes descr1be the rental terms and ootions.
Describe COIllll(Jl1 elements and recrealIonal facill1les. NJA
Fl'llddle Mac Form 70 March 2005
Page 3 of 6
Fannie Mae Form 1 004 March 2005
Fonn 1004 - "WInTOTAI.' appraisal soflware by a Ia mode, Inc. - f-800-AlAMOOE
IRle No HARDtNGST7391 Paoe #71
Unlfonn Residential APorllSal Report
fit, HARDINGST739
This report form is designed to report an appraisal of a one-unit property or a one-unit property with an accessory unit;
Including a unit in a planned unit development (PUD). ThIs report form Is not designed to report an appraisal of a
manufactured home or a unit in a condominium or cooperative project.
This appraisal report Is subject to the following scope of work, Intended use, intended user, definition of market value,
statement of assumptions and limiting conditions, and certifications. Modifications, additions, or deletions to the Intended
use, Intended user, definition of market value, or assumptions and limiting conditions are not permitted. The appraiser may
expand the scope of work to include any additional research or analysis necessary based on the complexity of this appraisal
assignment. Modifications or deletions to the certifications are also not permitted. However, additional certifications that do
not constitute material alterations to this appraisal report, such as those required by law or those related to the appraiser's
continuing education or membership in an appraisal organization, are permmed.
SCOPE OF WORK: The scope of work for this appraisal is defined by the complexity of this appraisal assignment and the
reporting requirements of this appraisal report form, Including the following definition of market value, statement of
assumptions and limiting conditions, and certifications. The appraiser must, at a minimum: (1) perform a complete visual
inspection of the Interior and exterior areas of the subject property, (2) Inspect the neighborhood, (3) inspect each of the
comparable sales from at least the street, (4) research, verify, and analyze data from reliable public and/or private sources,
and (5) report his or her analysis, opinions, and conclusions In this appraisal report.
INTENDED USE: The Intended use of this appraisal report is for the lender/client to evaluate the property that is the
subject of this appraisal for a mortgage finance transaction.
INTENDED USER: The Intended user of this appraisal report Is the lender/client
DEANITION OF MARKET VALUE: The most probable price which a property should bring in a competitive and open
market under all conditions requisite to a fair sale, the buyer and seller, each acting prudently, knowledgeably and assuming
the price is not affected by undue stimulus. Implicit In this definition Is the consummation of a sale as of a specified date and
the passing of titie from seller to buyer under conditions whereby: (1) buyer and seller are typically motivated; (2) both
parties are well informed or well advised, and each acting In what he or she considers his or her own best Interest; (3) a
reasonable time Is allowed for exposure in the open market; (4) payment is made in terms of cash in U. S. dollars or In terms
of financial arrangements comparable thereto; and (5) the price represents the nonnal consideration for the property sold
unaffected by special or creative financing or sales concesslons* granted by anyone associated with the sale.
* Adjustments to the comparables must be made for special or creative financing or sales concessions. No adjustments are
necessary for those costs which are normally paid by sellers as a result of tradition or law in a market area; these costs are
readily identifiable since the seller pays these costs In virtually all sales transactions. Special or creative financing
adjustments can be made to the comparable property by comparisons to financing terms offered by a third party Institutional
lender that Is not already Involved In the property or transaction. Any adjustment should not be calculated on a mechanical
dollar for dollar cost of the financing or concession but the dollar amount of any adjustment should approximate the market's
reaction to the financing or concessions based on the appraiser's judgment.
STATEMENT OF ASSUMPTIONS AND UMmNG CONOmoNS: The appraiser's certification In this report is
subject to the following assumptions and limiting conditions:
1. The appraiser will not be responsible for matters of a legal nature that affect either the property being appraised or the title
to it, except for Information that he or she became aware of during the research involved in performing this appraisal. The
appraiser assumes that the title is good and marketable and will not render any opinions about the title.
2. The appraiser has provided a sketch In this appraisal report to show the approximate dimensions of the Improvements.
The sketch Is included only to assist the reader in visualizing the property and understanding the appraiser's determination
of its size.
3. The appraiser has examined the available flood maps that are provided by the Federal Emergency Management Agency
(or other data sources) and has noted in this appraisal report whether any portion of the subject site is located In an
identified Special Rood Hazard Area. Because the appraiser Is not a surveyor, he or she makes no guarantees, express or
Implied, regarding this determination.
4. The appraiser will not give testimony or appear In court because he or she made an appraisal of the property in question,
unless specific arrangements to do so have been made beforehand, or as otherwise required by law.
5. The appraiser has noted In this appraisal report any adverse conditions (such as needed repairs, deterioration, the
presence of hazardous wastes, toxic substances, etc.) observed during the Inspection of the subject property or that he or
she became aware of during the research Involved In performing the appraisal. Unless otherwise stated in this appraisal
report, the appralser has no knowledge of any hidden or unapparent physIcal deficiencies or adverse conditions of the
property (such as, but not limited to, needed repairs, deterioration, the presence of hazardous wastes, toxic substances,
adverse environmental conditions, etc.) that would make the property less valuable, and has assumed that there are no such
conditions and makes no guarantees or wanantles, express or implIed. The appraiser will not be responsible for any such
conditions that do exist or for any engineering or testing that might be required to discover whether such conditions exist.
Because the appraiser Is not an expert In the field of environmental hazards, this appraisal report must not be considered as
an environmental assessment of the property.
6. The appraiser has based his or her appraisal report and valuation conclusion for an appraisal that is subject to satisfactory
completion, repalrs, or alterations on the assumption that the completion, repalrs, or alterations of the subject property will
be performed in a professional manner.
Freddie Mac Fonn 70 March 2005
Page 4 of 6
Fannie Mae Fonn 1004 March 2005
Fonn 1004 - 'WinTOTAI.' appraisal software by a Ia mode, inc. -l-800-AlAMOOE
IRle No HARIlINGST7391 Paoe #81
Uniform Residential ADDtalSaI Report
fie I HARDINGST739
APPRAISER'S CERnFICAnON: The Appraiser certifies and agrees that:
1. I have, at a minimum, developed and reported this appraisal In accordance with the scope of work requirements stated in
this appraisal report.
2. I performed a complete visual inspection of the Interior and exterior areas of the subject property. I reported the condition
of the Improvements in factual, specific terms. I Identified and reported the physical deficiencies that could affect the
livability, soundness, or structural integrity of the property.
3. I performed this appraisal In accordance with the requirements of the Uniform Standards of Professional Appraisal
Practice that were adopted and promulgated by the Appraisal Standards Board of The Appraisal foundation and that were in
place at the time this appraisal report was prepared.
4. I developed my opinion of the market value of the real property that is the subject of this report based on the sales
comparison approach to value. I have adequate comparable market data to develop a reliable sales comparison approach
for this appraisal assignment I further certify that I considered the cost and Income approaches to value but did not develop
them, unless otherwise Indicated In this report.
5. I researched, verified, analyzed, and reported on any current agreement for sale for the subject property, any offering for
sale of the subject property In the twelve months prior to the effective date of this appraisal, and the prior sales of the subject
property for a minimum of three years prior to the effective date of this appraisal, unless otherwise Indicated in this report.
6. I researched, verified, analyzed, and reported on the prior sales of the comparable sales for a minimum of one year prior
to the date of sale of the comparable sale, unless otherwise Indicated In this report.
7. I selected and used comparable sales that are locationally, physically, and functionally the most similar to the subject property.
8. I have not used comparable sales that were the result of combining a land sale with the contract purchase price of a home that
has been built or will be built on the land.
9. I have reported adjustments to the comparable sales that reflect the market's reaction to the differences between the subject
property and the comparable sales.
10. I verified, from a disinterested source, all information in this report that was provided by parties who have a financial Interest in
the sale or financing of the subject property.
11. I have knowledge and experience in appraising this type of property in this market area.
12. I am aware of, and have access to, the necessary and appropriate public and private data sources, such as multiple listing
services, tax assessment records, publiC land records and other such data sources for the area in which the property is located.
13. I obtained the information, estimates, and opinions fumlshed by other parties and expressed in this appraisal report from
reliable sources that I believe to be true and correct.
14. I have taken Into consideration the factors that have an impact on value with respect to the subject neighborhood, subject
property, and the proximity of the subject property to adverse Influences in the development of my opinion of market value. I
have noted in this appraisal report any adverse conditions (such as, but not limited to, needed repairs, deterioration, the
presence of hazardous wastes, toxic substances, adverse environmental conditions, etc.) observed during the inspection of the
subject property or that I became aware of during the research involved In performing this appraisal. I have considered these
adverse conditions In my analysis of the property value, and have reported on the effect of the conditions on the value and
marketability of the subject property.
15. I have not knowingly withheld any significant information from this appraisal report and, to the best of my knowledge, all
statements and information in this appraisal report are true and. correct.
16. I stated In this appraisal report my own personal, unbiased, and professional analysis, opinions, and conclusions, which
are subject only to the assumptions and limiting conditions In this appraisal report.
17. I have no present or prospective Interest in the property that Is the subject of this report, and I have no present or
prospective personal Interest or bias with respect to the partiCipants In the transaction. I did not base, either partially or
completely, my analysis and/or opinion of market value in this appraisal report on the race, color, religion, sex, age, marital
status, handicap, familial status, or national origin of either the prospective owners or occupants of the subject property or of the
present owners or occupants of the properties in the vicinity of the subject property or on any other basis prohibited by law.
18. My employment and/or compensation for performing this appraisal or any future or anticipated appraisals was not
conditioned on any agreement or understanding, written or otherwise, that I would report (or present analysis supporting) a
predetermined specific value, a predetermined minimum value, a range or direction In value, a value that favors the cause of
any party, or the attainment of a specific result or occurrence of a specific subsequent event (such as approval of a pending
mortgage loan application).
19. I personally prepared all conclusions and opinions about the real estate that were set forth in this appraisal report. If I
relied on significant real property appraisal assistance from any IndMdual or Individuals in the performance of this appraisal
or the preparation of this appraisal report, I have named such Indlvldual(s) and disclosed the specific tasks performed in this
appraisal report. I certify that any individual so named Is qualified to perform the tasks. I have not authorized anyone to make
a change to any Item In this appraisal report; therefore, any change made to this appraisal Is unauthorized and I will take no
responsibility for it
20. I identified the lender/client in this appraisal report who is the individual, organization, or agent for the organization that
ordered and will receive this appraisal report.
Freddie Mac Form 70 March 2005
Page 5 of 6
Fannie Mae Form 1004 March 2005
Fann 1004 - "WinTOTAL' appraisal software by a Ia mode, inc. -l-800-ALAMOOE
IRis No HARDlNGST7391 Paoe #91
Untfonn Residential Apbralsal Report
flit # HARDINGST739
21. The lender/client may disclose or distribute this appraisal report to: the borrower; another lender at the request of the
borrower; the mortgagee or its successors and assigns; mortgage Insurers; government sponsored enterprises; other
secondary market participants; data collection or reporting services; professional appraisal organizations; any department,
agency, or instrumentality of the United States; and any state, the District of Columbia. or other Jurisdictions; without having to
obtain the appraiser's or supervisory appraiser's (if applicable) consent. Such consent must be obtained before this appraisal
report may be disclosed or distributed to any other party Oncluding, but not limited to, the public through advertising, publiC
relations, news, sales, or other media).
22. I am aware that any disclosure or distribution of this appraisal report by me or the lender/client may be subject to certain
laws and regulations. Further, I am also subject to the provisions of the Unifonn Standards of Professional Appraisal Practice
that pertain to disclosure or distribution by me.
23. The borrower, another lender at the request of the borrower, the mortgagee or Its successors and assigns, mortgage
insurers, govemment sponsored enterprises, and other secondary market participants may rely on this appraisal report as part
of any mortgage finance transaction that involves anyone or more of these parties.
24. if this appraisal report was transmitted as an "electronic record" containing my "electronic signature," as those terms are
defined in applicable federal and/or state laws (excluding audio and video recordings), or a facsimile transmission of this
appraisal report containing a copy or representation of my signature, the appraisal report shall be as effective, enforceable and
valid as if a paper version of this appraisal report were delivered containing my original hand written signature.
25. Any intentional or negligent misrepresentation(s) contained in this appraisal report may result in civil liability and/or
criminal penalties Including, but not limited to, fine or imprisonment or both under the provisions of Tltie 18, United States
Code, Section 1001, et S8q., or similar state laws.
SUPERVISORY APPRAISER'S CERTIFICATION: The Supervisory Appraiser certifies and agrees that:
1. I dlrectiy supervised the appraiser for this appraisal assignment, have read the appraisal report, and agree with the appraiser's
analysis, opinions, statements, conclusions, and the appraiser's certification.
2. I accept full responsibility for the contents of this appraisal report including, but not limited to, the appraiser's analysis, opinions,
statements, conclusions, and the appraiser's certification.
3. The appraiser Identified In this appraisal report is either a sub-contractor or an employee of the supervisory appraiser (or the
appraisal firm), Is qualified to perform this appraisal, and is acceptable to perform this appraisal under the applicable state law.
4. This appraisal report complies with the Unifonn Standards of Professional Appraisal Practice that were adopted and
promulgated by the Appraisal Standards Board of The Appraisal Foundation and that were In place at the time this appraisal
report was prepared.
5. If this appraisal report was transmitted as an "electronic record" containing my "electronic signature," as those terms are
defined in applicable federal and/or state laws (excluding audio and video recordings), or a facsimile transmission of this
appraisal report containing a copy or representation of my signature, the appraisal report shall be as effective, enforceable and
valid as if a paper version of this appraisal report were delivered containing my original hand written signature.
APPRAISER
~':mna:~~~t
Company Name CENTRAL PENN APPRAISALS. INC.
Company Address 24 W. MAIN STREET
SHIREMANSTOWN. PA 17011
Telephone Number (717)737-4600
Emall AddreSSiohn/llloaaDDI.lIlsers.com
Date of Signature and Report 10-23-2006
Effective Date of Appraisal 09-04-2005
State Certification # PA CERT RL-D01405-l- RESIDENTIAl
or State License #
or Other (describe) State #
State PA
Expiration Date of Certification or License 06-30-2007
ADDRESS OF PROPERTY APPRAISED
739 HARDING STREET
NEW CUMBERLAND. PA 17070-1437
APPRAISED VALUE OF SUBJECT PROPERTY $ 128.500
LENDER/CLIENT
Name
Company Name ALFRED B. & JUNE A PECUKONIS
Company Address 610 HILDA COURT. MECHANICSBURG. PA li
17055
Email Address
SUPERVISORY APPRAISER (ONLY IF REQUIRED)
Signature
Name
Company Name
Company Address
Telephone Number
Emall Address
Date of Signature
State Certification #
or State License #
State
Expiration Date of Certification or LIcense
SUBJECT PROPERTY
o Old not Inspect subject property
o Did inspect exterior of subject property from street
Date of Inspection
o Did Inspect lnter10r and exterior of subject property
Date of Inspection
COMPARABLE SALES
o Did not Inspect exterior of comparable sales from street
o Old Inspect exterior of comparable sales from street
Date of Inspection
Fannie Mae Fann 1004 March 2005
Freddie Mac Fann 70 March 2005
Page 6 of 6
Fonn 1004 - "WinTOTAL' appraisal software by a Ia mode,lnc. -l-8O().ALAMODE
File No HARDINGST7391 Paoe #101
UDP emen en um File No. HARDINGS1739
BonowerlClent N/A
PnxmY Addms 739 HARDING STREET
CIlv NEW CUMBERLAND Com CUMBERLAND Slate PA Zlo Code 17070-1437
Lender ALFRED B. & JUNE A PECUKONIS
s
tal Add d
. URAR : Nlllahbort1oocl - MlII1aIt CondItIons
There are no foresHable economic trends which might significantly Influence market conditions In this area. The current
mortgage market offers a wide variety of conventional loans with competitive rates. As a result, the terms of financing have
llttle, If any, Impact on sales prices. If Interest rates remain reasonable, property values and marketability should be good.
Current supply and demand are In balance. Marketing time averages 0-90 days as per MLS slBtistlcs.lnterest rates are
ranging from 6-7% with 0-3 points typlcany being paid for origination or discount.
. URAR : Final RecanclllMlan
This appraisal report has been prepared with the property In "as is" condition. No personal property has been included in this
valuation.
This appraisal assumes a reasonable marketing period for the subject property of three months. The Market Approach
reIIects recent activity in the market place. In view of the age of these Improvements, the Cost Approach cennot be
considered an BCCUralB Indicator of value. The Income Approach is Inappropriate because few single family h~ are
rented in this market. Given the high quality of the available sale deta, the value Indiceted by the Market Approach Is used as
the final estimated value. THIS IS A SUMMARY REPORT OF A COMPLETE APPRAISAL.
Fonn TAllO - 'WinTOTAL' awaiSaI software by a Ia mode, Inc. -l~AI.AIoIIDE
IRle No HARDtNGST7391 Paoe #111
Subject Photo Page
BoITOWll"ICIent NlA
ProIl8ItY Address 739 HARDING STREET
City NEW CUMBERLAND ColI1IY CUMBERLAND Stale PA Bll Code 17070-1437
LllI1d8r ALFRED B. & JUNE A PECUKONIS
Subject Front
739 HARDING STREET
Sales Pric8 N1A
Gross Uviltl Area 1,114
Total Rooms 5
Total Bedrooms 2
Total BaIhIooms 1
Location AVERAGE
View AVERAGE
Site 0.17 ACRE
QuaUty AVE. - BRlST/T
Age 56
Su....ct Rear
Subject Street
Fonn PICPlX.SR - 'WInTOTAL' appraisal software by a Ie mode, inc. -l-8JO.ALAMODE
Photograph Addendum
Borruwer/CIent N/A
Property Address 739 HARDING STREET
CItv NEW CUMBERLAND CoII1Iv CUMBERLAND Slate PA Zio Code 17070-1437
Lender ALFRED B. & JUNE A. PECUKONIS
Form GPlCPlX - "WInTOT AI.. 'IIIPralsat software by a Ii mode, inc. -1-8lG-ALAMODE
IRle No HARDlNGST7391 Paa8 #121
BorrowerJCI8nI N1A
"". ... 739 HARDING STREET
Citv NEW CUMBERLAND CoII1Iv CUMBERLAND S1atIl PA no~ 17070-1437
l.8nd8r ALFRED B. & JUNE A. PECUKONIS
Comparable Photo Page
Comparable 1
810 LINWOOD STREET
Prox. to Subject 0.22 miles SE
5ale Price 148,500
Gross LMng Area 1,502
Total Rooms 6
TotaIlledruoms 2
Total BatIrooms 1
Location AVERAGE
VIew AVERAGE
Site 0.14 ACRE
Duality AVE. - BRICK
Age 45
Comparable 2
716 BARBARA STREET
Prole. 111 Subject 0.52 miles SE
5ale Price 134,999
Gross Living Area 925
Total Rooms 4
TotaIll8drooms 2
Total BatIrooms 1
Location AVERAGE
VIew AVERAGE
Site 0.14 ACRE
Quality AVE. - BRKlAL
Age 59
Comparab.e 3
734 ELKWOOD DRIVE
Prox. to Subj8ct 0.38 miles SE
Sale Price 110,000
Gross Living Area 1,149
Total Rooms 5
TotaIll8drooms 2
T otaIlla1hrooms 1
I.ocalIon AVERAGE
VIew AVERAGE
Site 0.20 ACRE
QualIty AVE. . STN/AL
Age 51
Form ptPIX.CR - 'WInTOTAL' appraisal software by a Ia mode, inc. -l-800-ALAMOOE
.
File No HARDINGST7391 Paoe #131
Bulldlnl Sketch
BorrDWll'lCl8nt NJA
PnIo8rlv AddI1lSS 739 HARDING STREET
CitY NEW CUMBERLAND CoIIlIY CUMBERLAND Slam PA ZJo Code 17070-1437
l.8nd8r AlFRED B. & JUNE A. PECUKONIS
28.0'
FAMILY 0 b
ROOM ; ~
BEDROOM BAlH I KITCHEN
b tl b
..;
III N
LMNG ROOM
SEDROOM
b 17.0'
15.0' N
_ IV"
~:
CILlU
rirat; rloor
11U.OO
111..00
ft~~ .100E'
12.0., 21.0
23.0., 32.0
2.0., 15.0
3.e. 00
731. 00
30.00
TOTAL LIVABLE
(rounded)
1114
3 Calculations Total (rounded)
1114
Fonn SKT.BIdSkI- 'WinTOTAL' appraisal saftwareby a Ia mode, inc. -l-800-ALAMODE
lAIe No HARDINGST7391 Paae #141
BoflllWlrlCl8nI N1A
I PmMtv Address 739 HARDING STREET
Citv NEW CUMBERLAND CoIIIIv CUMBERlAND SlalB PA ZIo Code 17070-1437
Lender AlFRED B. & JUNE A. PECUKONIS
Location Map
Form MAP.LOC - 'WlnTOTAL' appralsal soIIware by a la mode. inc. -l-DALAMOllE