HomeMy WebLinkAbout04-20-07
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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
0707
Date of Birth
199308726
07222006
12211923
Decedent's Last Name
Suffix
Decedent's First Name
LOFBLAD
AUDREY
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
[!J 1. Original Retum
o 4. Limited Estate
9. Litigation Proceeds Received
0 2. Supplemental Retum 0 3. Remainder Retum (date of death
prior to 12-13-82)
0 4a. Future Interest Compromise 0 5. Federal Estate Tax Retum Required
(date of death after 12-12-82)
0 7. Decedent Maintained a Uving Trust 1 8. Total Number of Safe Deposit Boxes
(Attach Copy of Trust)
0 10 Spousal Pove;% Credit (date of death 0 11. Election to tax under Sec. 9113(A)
. between 12-31- 1 and 1-1-95) (Attach Sch. 0)
00
o
6. Decedent Died Testate
(Attach Copy of Will)
~ORRESPONDENT. THIS SECTION MUST BE COMPLETED. ALL CORRESPONDENCE AND CONFIDENTIAL TAX INFORMATION SHOULD BE DIRECTED TO:
ame Daytime Telephone Number
ROBERT C. SAIDIS ESQ. 7177373405
i'..__'"
Firm Name (If Applicable)
SAIDIS, FLOWER & LINDSAY
REGISTER ~LS USE ~L Y
First line of address r'-.)
o
2109 MARKET STREET
Second line of address
City or Post Office
CAMP HILL
=--1
DATE-FILED
~",)
C'i
State
PA
ZIP Code
17011
Correspondent's e-mail address:
DATE
Robert C. Saidis Esq.
,.,/"
2109 Market Street, Camp Hill, PA 17011
Side 1
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REV-1500 EX
Decedent's Name: Audrey M Lofblad
RECAPITULATION
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) 0 Separate Billing Requested............. 6.
7. Inter-Vivos Transfers & Miscellaneous Non-Probate Property
(Schedule G) 0 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/See 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. Amount of Line 14 taxable
at the spousal tax rate, of
transfers under Sec. 9116
(a)(1.2) X ~
16. Amount of Line 14 taxable
at lineal rate X .045
17. Amount of Line 14 taxable
at sibling rate X .12
18. Amount of Line 14 taxable
at collateral rate X .15
680,292.98
0.00
0.00
19. Tax Due................................. ............. .................... ..................... .............................. 19.
20. FILL IN THE OVAL IF YOU ARE REQUESTING A REFUND OF AN OVERPAYMENT.
Side 2
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lSDSbDlf21lft.
Decedenfs Social Security Number
199308726
195,000.00
53,813.96
472,792.93
721,606.89
24,258.54
17,055.37
41,313.91
680,292.98
680,292.98
15.
0.00
30,613.18
0.00
0.00
30,613.18
16.
17.
18.
D
lSDSbDlf21lft.
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REV-1500 EX Page 3
Decedent's Complete Address:
File Number 21-06-0707
DECEDENT'S NAME
Audrey M lofblad
STREET ADDRESS
1826 Ridgeview Drive
CITY I STATE IZIP
PA
Tax Payments and Credits:
1. Tax Due (Page 1 Line 19)
2. Credits/Payments
A. Spousal Poverty Credit
B. Prior Payments
C. Discount
(1 )
30,613.18
28,500.00
1,500.00
3. Interest/Penalty if applicable
D. Interest
E. Penalty
Total Credits (A + B + C)
(2)
30,000.00
Total Interest/Penalty (0 + E)
4. If Line 2 is greater than Line 1 + Line 3, enter the difference. This is the OVERPAYMENT.
Check box on Page 1 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 on the tax due.
B. Enter the total of Line 5 + 5A. This is the BALANCE DUE.
(3)
(4)
(5) 613.18
(5A)
(5B) 613.18
Make Check Payable to: REGISTER OF WILLS, AGENT
PLEASE ANSWER THE FOllOWING QUESTIONS BY PLACING AN "X" IN THE APPROPRIATE BLOCKS
No
D ~
D ~
D ~
D ~
D ~
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.
1. Did decedent make a transfer and:
a. retain the use or income of the property transferred;..................................................................................
b. retain the right to designate who shall use the property transferred or its income;....................................
c. retain a reversionary interest; or..................................................................................................................
d. receive the promise for life of either payments, benefits or care?..............................................................
2. If death occurred after December 12, 1982, did decedent transfer property within one year of death without
receiving adequate consideration?........ ................................ ..... ................. ........ ............ ........ .......... ............... ...
Yes
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 of 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 spouse is zero
(0) percent [72 P.S. S9116 (a) (1.1) (ii)]. The statute does not exemot a transfer to a surviving spouse from tax, and the statutory requirements
for disclosure of assets and filing a tax return are still applicable even if the surviving spouse is the only beneficiary.
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 a
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.
Rev:1502 EX+ (6-98)
*'
SCHEDULE A
REAL ESTATE
COMMONWEALTH OF PENNSYLVANIA
INHERITANCE TAX RETURN
RESIDENT DECEDENT
Lofblad, Audrey M
FILE NUMBER
21-06-0707
ESTATE OF
All real property _ned solely or as a tenant In convnon must be reported at fair market value. Fair market value is defined as the price at which property would be
exchanged between a willing buyer and a willing setler. neither being compelled to buy or setl, both having reasonable knowiedge of the relevant facts.
Real property which Is Jolntly-owned with right of survivorship must be disclosed on schedule F.
ITEM
NUMBER DESCRIPTION
1 1826 Ridgeview Drive, North Middleton Township, Cumberland Co., PA - House
listed for sale - ~ I r '. .le S-L..e ti-f';nat-id. atta tbtX..-
VALUE AT DATE
OF DEATH
195,000.00
TOTAL (Also enter on Line 1, Recapitulation)
195,000.00
(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 A (Rev. 6-98)
Rev-1503 EX+ (6-98)
*'
SCHEDULE B
STOCKS & BONDS
COMMONWEAl. TH OF PENNSYLVANIA
INHERITANCE TAX RETURN
RESIDENT DECEDENT
ESTATE OF
Lofblad, Audrey M
FILE NUMBER
21-06-0707
All property Jolntly-owned with right of survivorship must be disclosed on Schedule F.
ITEM CUSIP VALUE AT DATE
NUMBER NUMBER DESCRIPTION UNIT VALUE OF DEATH
1 Series EE and E Savings Bonds - see attached list 53,813.96
TOTAL (Also enter on Line 2, Recapitulation) 53,813.96
(If more space is needed, additional pages ofthe same size)
Copyright (c) 2002 form software only The Lackner Group, Inc.
Form PA-1500 Schedule B (Rev. 6-98)
Rev.1508 EX+ (6-98)
,
.
SCHEDULE E
CASH, BANK DEPOSITS, & MISC.
PERSONAL PROPERTY
COMMONWEALTH OF PENNSYlVANIA
~HERrrANCETAXRETURN
RESIDENT DECEDENT
Lofblad, Audrey M
FILE NUMBER
21-06-0707
ESTATE OF
Indude the proceeds of Ittigation and the date the proceeds were received by the estate.
All property jolntly-owned with the right of survivorship must be disclosed on schedule F.
ITEM
NUMBER DESCRIPTION
1 M&T Bank, CD #031003911154729 - see attached letter
VALUE AT DATE
OF DEATH
35,086.42
2 M&T Bank, CD #031003911179553 - see attached letter
15.407.17
3 M&T Bank, CD #031003911813383 -see attached letter
3.266.96
4 M&T Bank, CD #031003911813565 - see attached letter
9.266.99
5 M&T Bank, checking acct. #000003741366649 - see attached letter
7.882.25
6 M&T Bank, investment acct. #0610125447 - see attached letter
120.551.05
7 M&T Bank, POD Trust acct. #31003908159881 - Frederick Lofblad, benef.
32.826.35
8 M&T Bank, POD Trust acct. #31003908159899 - Gretchen Lofblad, benef.
8.286.87
9 M&T Bank, savings acct. #015004204880428 - see attached letter
41.596.43
10 M&T Bank, savings club acct. #025004920113591 - see attached letter
503.49
11 1990 Pontiac station wagon
500.00
12 2002 Ford Taurus station wagon, based on sale price
8.000.00
13 Jefferson/Pilot Life Insurance Co., non-qualified annuity contract #JP5191444-
Gretchen Lofblad and Frederick Lofblad benef.
189.618.95
TOTAL (Also enter on Line 5, Recapitulation)
472.792.93
(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 E (Rev. 6-98)
REV-1151 EX+ (12-99)
*'
SCHEDULE H
FUNERAL EXPENSES &
ADMINISTRATIVE COSTS
COMMONWEALTH OF PENNSYlVANIA
INHERITANCE TAX RETURN
RESIDENT DECEDENT
ESTATE OF
Lofblad, Audrey M
Debts of decedent must be reported on Schedule I.
FILE NUMBER
21-06-0707
ITEM DESCRIPTION AMOUNT
NUMBER
A. FUNERAL EXPENSES:
See continuation schedule(s} attached 549.00
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 15,000.00
See continuation schedule(s} attached
3. Family Exemption: (If decedenfs address is not the same as claimanfs, attach explanation)
Claimant
Street Address
City State Zip
Relationship of Claimant to Decedent
4. Probate Fees 422.00
See continuation schedule(s} attached
5. Accountanfs Fees
6. Tax Return Preparer's Fees
7. Other Administrative Costs 8,287.54
See continuation schedule(s} attached
TOTAL (Also enter on line 9, Recapitulation) 24,258.54
Copyright (c) 2002 form software only The Lackner Group, Inc.
Form PA-1500 Schedule H (Rev. 6-98)
Rev;1502 EX+ (6-98)
.
SCHEDULE H.A
FUNERAL EXPENSES
continued
COMMONWEALTH OF PENNSYLVANIA
INHERITANCE TAX RETURN
RESIDENT DECEDENT
Lofblad, Audrey M
FILE NUMBER
21-06-0707
ESTATE OF
ITEM
NUMBER DESCRIPTION
1 Neil Funeral Home
AMOUNT
549.00
Subtotal
549.00
Copyright (c) 2002 form software only The Lackner Group, Inc.
Form PA-1500 Schedule H-A (Rev. 6-98)
Rev:~502 EX+ (6-98)
*'
SCHEDULE H.B2
ATTORNEY'S FEES
continued
COMMONWEALTH OF PENNSYlVANIA
INHERITANCE TAX RETURN
RESIDENT DECEDENT
Lofblad, Audrey M
FILE NUMBER
21-06-0707
ESTATE OF
ITEM
NUMBER DESCRIPTION
1 Saidis, Flower & Lindsay
AMOUNT
15.000.00
Subtotal
15.000.00
Copyright (c) 2002 form software only The Lackner Group, Inc.
Form PA-1500 Schedule H-B2 (Rev. 6-98)
Rev:1502 EX+ (6-98)
*'
SCHEDULE H.B4
PROBATE FEES
continued
COMMONWEALTH Of PENNSYLVANIA
INHERITANCE TAX RETURN
RESIDENT DECEDENT
Lofblad, Audrey M
FILE NUMBER
21-06-0707
ESTATE OF
ITEM
NUMBER DESCRIPTION
1 2 short certificates
AMOUNT
8.00
2 Register of Wills
414.00
Subtotal
422.00
Copyright (c) 2002 form software only The Lackner Group, Inc.
Form PA-1500 Schedule H-B4 (Rev. 6-98)
Rev;1502 EX+ (6-98)
*'
SCHEDULE H.87
OTHER
ADMINISTRATIVE COSTS
continued
COMMONWEAl. TH OF PENNSYLVANIA
INHERITANCE TAX RETURN
RESIDENT DECEDENT
Lofblad, Audrey M
FILE NUMBER
21-06-0707
ESTATE OF
ITEM
NUMBER
DESCRIPTION
AMOUNT
1
Barrett Real Estate Appraisals
325.00
2
Cumberland Law Journal, estate notice
75.00
3
Mark Bahr, trash hauling
500.00
4
New carpet, floor paint, repairs to house to list for sale
962.61
5
PNC Bank, check printing fee
56.74
6
Precision Cleaning Services, clean house for sale
800.00
7
Ron Hoon Quality Painting, house painted before listing for sale
5.150.00
8
S & S Wildlife Control Services, remove critters from house
244.86
9
The Sentinel, estate notice
173.33
Subtotal
8.287.54
Copyright (c) 2002 form software only The Lackner Group, Inc.
Form PA-1500 Schedule H-B7 (Rev. 6-98)
Re'(-1512 EX+ (6-98)
*'
SCHEDULE I
DEBTS OF DECEDENT,
MORTGAGE LIABILITIES, & LIENS
COMMONWEALTH OF PENNSYLVANIA
INHERITANCE TAX RETURN
RESIDENT DECEDENT
Lofblad, Audrey M
FILE NUMBER
21-06-0707
ESTATE OF
Include unrelmbursed medical expenses.
ITEM VALUE AT DATE
NUMBER DESCRIPTION OF DEATH
1 CariMark, drug bill 65.00
2 Christian Smith Landscaping, yard maintenance (tree and shrub removal, clean up, 3.950.00
snow and ice removal)
3 Dish Network 175.90
4 Embarq, phone service 85.03
5 Gretchen Lofblad, down payment for hardwood floors 1.500.00
6 H&R Block, tax preparation for 2006 income taxes 472.00
7 Leffler Energy 649.56
8 Leffler Energy, Aug. budget payment 275.00
9 Leffler Energy, Oct. budget payment 275.00
10 Leffler Energy, Sept. budget payment 275.00
11 M&S Dyes Hardwood Floors 2.145.00
12 M&S Dyes Hardwood Floors, dumping fee 650.00
13 M&S Dyes Hardwood Floors, remove trash 500.00
14 M&T Bank, reversal of SS deposited to acct. #3741366649 - see attached letter 1.276.36
15 Mark Bahr, general handyman services 100.00
16 Noel's Lawn Care, lawn mowing 270.00
Total of Continuation Schedule
See attached page
TOTAL (Also enter on Line 10, Recapitulation)
17,055.37
(If more space is needed, additional pages ofthe same size)
Copyright (c) 2002 form software only The Lackner Group, Inc.
Form PA-1500 Schedule I (Rev. 6-98)
Rev.1512 EX+ (6-98)
*'
SCHEDULE I
DEBTS OF DECEDENT,
MORTGAGE LIABILITIES, & LIENS
continued
COMMONWEAl. TH OF PENNSYlVANIA
INHERITANCE TAX RETURN
RESIDENT DECEDENT
ESTATE OF FilE NUMBER
lofblad, Audrey M 21-06-0707
ITEM VALUE AT DATE
NUMBER DESCRIPTION OF DEATH
17 North Middleton Authority 239.70
18 Ohio Casualty Group, car insurance 212.69
19 Ohio Casualty Group, homeowners insurance, balance of premium 670.50
20 Ohio Casualty Group, homeowners insurance, first premium payment 670.50
21 PA Dept. of Revenue, 2006 taxes 141.00
22 PPl, Electric Utilities 408.28
23 Richard Adams, general handyman services 100.00
24 Robin Sollenberger, real estate taxes 510.82
25 Said is, Flower & Lindsay, attorney fees prior to death 120.00
26
Social Security Administration, refund of payment deposited to checking acct. on
9/1/06 in error
1,276.36
27
York Waste Disposal
41.67
TOTAL (Also enter on line 10, Recapitulation)
17,055.37
Copyright (c) 2002 form software only The Lackner Group, Inc.
Form PA-1500 Schedule I (Rev. 6-98)
REV-1513 EX+ (9-00)
*'
SCHEDULE ..
BENEFICIARIES
COMMONWEALTH OF PENNSYLVANIA
INHERITANCE TAX RETURN
RESIDENT DECEDENT
1
Lofblad, Audrey M
NAME AND ADDRESS OF
PERSON(S) RECEIVING PROPERTY
TAXABLE DISTRIBUTIONS [include outright spousal
aistributions and transfers
under Sec. 9116(a)(1.2)]
Frederick J. Lofblad Son
1NItAII~~I.L.. ~rlv8 02/0 tNtJ.Il7t4..6Qt!.ff1lGi.
CaRials., PA 1 T04'3 r!.-ttr/)S~ fJ If... 17013
RELATIONSHIP TO
DECEDENT
Do Not List Trustee/51
FILE NUMBER
21-06-0707
SHARE OF ESTATE AMOUNT OF ESTATE
(Words) ($$$)
ESTATE OF
NUMBER
I.
1/2 of the
estate
2
Gretchen G Lofblad
1830 Heishman Gardens
Carlisle, PA 17013
Daughter
1/2 of the
estate
Total
Enter dollar amounts for distributions shown above on lines 15 through 18, as appropriate, 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 form software only The Lackner Group, Inc.
Form PA.1500 Schedule J (Rev. 6-98)
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SIGNATuRE_OF CQ-APPUCANTITITlE OF AUTHORlZEO-EUGNER '
;'i':',I', ',l\"'~f"": 0\' \0'''1 It, r ~\;I!l1 ' ,. n.' \' ~,." '..". , I~' ~i'!\j\\' ',II"\\'>' '\~\'l\H'(." ";"H'"'' "'''',' J!\?;""'~''''I'I. "",,, ""
n Lincoln
Financial Group@
Jefferson Pilot Financial is now Lincoln Financial Group
August 22, 2006
ROBERT C SAIDIS
SAIDIS, FLOWER & LINDSAY
ATTORNEYS AT LAW
2109 MARKET STREET
CAMP HILL, PA 17011
Jefferson Pilot Financial
P.O. Box 21008
Greensboro, NC 27420
phone 336 691-3000
RE: Audrey M. Lofblad
Jefferson Pilot Life Insurance Company,
ContracUPolicy Number JP5191444
Claim Number 482258
Dear Mr. Said is:
We have received notification of the death of Audrey M. Lofblad. On behalf of Jefferson Pilot
Financial, we wish to express our condolences.
Please submit the following items:
1. Claimant's Statement completed and signed by each beneficiary.
2. The return of the original policy; if the policy has been misplaced, please complete section
D of the Claimant's Statement.
Please provide our office with the current addresses for Gretchen G. Lofblad and Frederick J.
Lofblad.
The value of this contract as of July 22, 2006, was $189,618.95.
Please call toll free (800) 487-1485, ext. 8584, or write to me at the above address if you have any
questions.
~~
Sandra S. Barnes
Claims Examiner
Greensboro Claims Department
Enc
CC: Kimberly Heavner
C/O M& T Securities
100 S. Spring Garden St.
Carlisle, PA 17013
www.jpfinancial.com
Lincoln Financial Group is the marketing name for Lincoln National Corporation and its affiliates.
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",,"SYLV_
~ HERMAN P. BENDER and VIRG1NIA M. BK)lt>"''' ~~b!md aDd wife,
! of the Borouab of SbippeDllbura, Cumberland COUD1;1. PeDDaylvama. parti.. of the
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i HARRY V. LOFBLAD aDd AlJDBEY M. LOP'BLAD. of North Middleton Town.hiP.
(1828 JUdamew Drive), Cumberland CoUDliY, PaDDs,.lvaDia, partie. of the .ecoal!
part,
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-Twenty-two Tbou.eand ($22.000.00)- DolIArw.
iA Mto4 pAl, 1M ..-i,e .twreo/ .. Mrwb __,,,,w,.. 1M ...u .....,.... s .... ..."v """"'
""" _ to 1M...u.-..... their beir. and a..lIns, a. tenanta by the entireties.
ALL tbat certain tract of land oituate in North Middleton Township, Cumberland
County, Pean.ylvania, more particularly boW\ded and described.. follows:
BEGINNING at a point on the,Westem .ide of Lake View Drive, (.aid Lake View
Drive now known u Ridge View Drive) o~ the bereinafter mentioned Plan of Lots.
whicb point ia at Une of land of Glen'A. Tritt and wife; thence by the Westem aide of
Lake View Drive (said Lake View Drive now known.. Ridge View Drive), South Five
(5) degrees, Fifty-one (51) minutes West, One Hundred (100) feet to a point on the liD.
of Lot No. '15; tbence by the line of Lot No. 15, North Eighty-four (84) dellre.. Nine
, (9) minute. We.t, Two Hundred (200) feet to a point at line of land now or formerly of
, JohD C. Raop and Mary B. Raep. bie wife; thence by Aid land, North Fiv. (5) del1'''.
Fifty-one (51) minutes East, One Hundred (100) feet to a point at line of land of Glen A.
Tritt and wife; thence by .aid land, South El&b1;1-four (84) degreell Nine (9) minute.
Ea.t, Two Hundred (200) feet to a point, the place of BEGINNING.
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BEING Lot No, 16, Block C, OIl Plan No. 2 of Buin Hill Heigbta. whieb Plan is
recorded in the Office of the Recorder of Deeds in and for Cumberland COUllty in
Plan Book No.9, Page 111, and baving thereon erected a l-.tory brick ca.ed rancb
type dwelling bou.e with attaebed garage known a. and numbered 1828 Bidge View
Drive.
BElNG the .ame premiJIe. whicb Jobn C. RaBp and Mary B. Reap, busb&nd aDd wife.
by deed bearing date the 4th day of February, 1959, &aid deed being recorded in the
Office of the Recorder of Deeds in and for Cumberland County at CarliJ11e. Penn-
aylvan1a, in Deed Book "X". Volume 18. Page 353. ,ranted and eoav81ed to Herman
P. Bender and Virginia M. Bender. bu.eblLnd and wife. GRANTORS herein.
SUBJECT. NEVERTHELESS, to certain r..trietlODll UpoIl _ a. .at forth in the deed
of John C. Rasp and wUe to Klebard L TOWJl&eDd and wife.
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AND. tM IGid /1..... s. do Ut'oby ............1 M4 "II.... to ..114 IIrllJJ aM .u.t __ a. tlo4t
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Gener.<lIlY . """ f- /l6f- tM MMa.-. .u..riW
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IN WITNESS WHEREOF. Mill __- *' vekrfttotoMt their
. .... 11IIII ..... 11M '""""" '"'"-
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June
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tM ........ -/IiMf'. ~ tIfIJ*ftIl Herman P. Bp.nder and Virginia M. Bender,
huaband and wife.
..... to _ (.r ..tU/-.;q ~) to ..... ~ _ ..... _ II are ~ to toW
~~, aM .......,.",. fUt thq ...w _ for tM ~ tMMtt
........
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............
I do Ut'oby _rlih/.tMt tM ....... raid.... .....,._,.,. _t 011* IIIU_
./ tM IIIit1ia __,....,.. _ U 1828 Bid,e View Drive, MOW1ted Route I, Carliale.
~~lvania. .
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1
I!M&I'Bank
499 Mitchell Road, Millsboro, DE 19966 Mail Code DE-MB-12
Phone (888) 502-4349
Fax (302) 934-2955
August 21, 2006
Law Offices
Said is Flower & Lindsay
2109 Market Street
Camp Hill, Pennsylvania 17011
Re: Estate of" Audrev M Lofb!ad
Socia! Security: 199-30-8726
Date of Death: Ju!v 22. 2006
Dear Sir or Madam:
Per your inquiry dated August 10, 2006, please be advised that at the time of death, the above-named decedent had on
deposit with this bank the following:
1.
Type of Account
Checking Account
Account Number
3741366649
Ownership (Names of)
Audrey M Lojblad *
Opening Date
05/18/00
Balance on Date of Death
$7,881.58
$ 0.67
Accrued Interest
Total
$7,882.25
2. Type of Account Savings Account
Account Number 015004204880428
Ownership (Names of) Audrey M Lojblad *
Opening Date 06/07/04 Closed 08/09/06
Balance on Date of Death $41,560.34
Accrued Interest $ 36.09
....._.._...._.............. 0" n. ....... .._........ ..~..,.._
Total $41,596.43
3.
Type of Account
Certificate of Deposit
Account Number
031003908159881
Ownership (Names of)
Audrey M Lojblad, Trustee *
Frederick J Lojblad, Beneficiary *
Opening Date
08/03/01 Closed 07/28/06
Balance on Date of Death
$32,756.92
Accrued Interest
$ 69.43
Total
$32,826.35
4.
Type of Account
Certificate of Deposit
Account Number
031003908159899
Ownership (Names of)
Audrey M Lojblad, Trustee *
Gretchen G Lojblad, Beneficiary *
Opening Date
08/03/01 Closed07/28/06
Balance on Date of Death
$8,269.34
Accrued Interest
$ 17.53
Total
$8,286.87
5.
Type of Account
Certificate of Deposit
Account Number
031003911154729
Ownership (Names of)
Audrey M Lojblad *
Opening Date
1 % 1/91 Closed 08/09/06
Balance on Date of Death
$34,811.36
Accrued Interest
$ 275.06
Total
$35,086.42
-- -- ------ . --- ~- -- -- - - - --------~-- ---- - --- --- - -- ----------- -- ---- -- --- .---- - - -- .- -'. - -- - --
9.
Type of Account
IRA
Account Number
035004200224399
Ownership (Names oj)
Audrey M Lofblad *
Gretchen Lofblad, Beneficiary *
Opening Date
03/08/99
Balance on Date of Death
$/1,560.92
Total
$ 22.87
--$Tj;58T79------------------------------------------------------- ------------
Accrued Interest
Interest Posted YTD
--$---o:oo7A"cc-;.;~di~te~est-i~-_;;~Ti~cl~d~di ---- -------- ---- ----
10.
Type of Account
Savings Account / Club Account
Account Number
025004920113591
Ownership (Names oj)
Audrey M Lofblad *
Opening Date
11 /17/83 Closed 08/09/06
Balance on Date of Death
$ 503.41
Accrued Interest
$ 0.08
Total
$ 503.49
11.
Type of Account
Safe Deposit Box
Box Number/Location
0000433/ North Middleton
Ownership (Names oj)
Harry V Lofblad *
Audrey M Lofblad *
Opening Date
02/07/92
* For further account information, regarding ownership and any changes, closures and/or reimbursement of
funds, please contact our North Middleton Branch at 1958 Spring Road, Carlisle, Pennsylvania 17013, or call
# 717-240-4521.
Sincerely,
1~~~
Nancy Clagett
Records Management
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*** This is an Advice ***
P.O. Box 4650
ACH/EDI Services
Buffalo, NY 14240-9975
(800) 724-2240
AUDREY M LOFBLAD
1830 HEISHMANGDNS
CARLISLE PA 17013-4637
Date: Tuesday, September 12, 2006
!
Subject: Notification of Death / Reclamation
"Case-Number: 6822
Funds Deposited to Account:
Funds Deducted from Account(s):
3741366649
3741366649 $1,276.36
This is to advise you that on 9/12/2006 we deducted from the account(s) shown above the amount of $1276.36,
. for the SSA Direct Deposit of 9/1/2006.
Due to the fact that AUDREY M LOFBLAD has passed away prior to the issuance of the credit, the Treasury of
the United States is requesting reimbursement. In accordance with Federal Regulations, direct deposits may not
be retained by the beneficiary unless the beneficiary lived through the entire month prior to the date of issuance.
lithe number of the 'account deducted from' is different from the account into which the funds were originally
deposited, the deduction is authorized under the bank's rules for right of offset because one or more of the owner~
on both accounts are the same.
Should you have any further questions about this charge, please call and refer to the case number above.
This advice is provided to facilitate the reconcilement of your monthly account statement.
Resp;?~
ACH/EDI Services
M&T
LAST WILL AND TESTAMENT
OF
AUDREY M. LOFBLAD
I, Audrey M. Lofblad, of Carlisle, Cumberland County,
Pennsylvania, being of sound and disposing mind, memory and
understanding, do hereby make, publish and declare this as and
my Last Will and Testament, hereby revoking all other Wills
and Codicils heretofore made by me.
FIRST
I direct the paYment of my just debts and expenses of my
illness and funeral from my estate as soon after my death
as conveniently may be done.
I hereby confirm that I donated my eyes for use in
restoring sight or for research. After removal of my eyes, I
direct that as soon as practical after my death and before
embalming, my body be placed in the hands of Humanity Gifts
Registry of the state of Pennsylvania (or of the nearest medical
school in the event death occurs outside of Pennsylvania) by my
nearest kin or the Executor of my estate, for delivery to one of
SAIDIS
SHUFF, FLOWER
& LINDSAY
the medical schools in the state of Pennsylvania for studies in
ATIORNEYS.AT.UW
26 W. lligh Street
Carlisle, P A
the promotion of scientific medicine and ultimate creation with
others and burial of the ashes with others in a burial plot of
The Humanity Gifts Registry. In the event The Humanity Gifts
Registry is unable to use my body, then I direct that it be
interred at an available military cemetery at the convenience of
the military personnel.
SECOND
I give, devise and bequeath all the rest, residue and
remainder of my estate in equal shares unto my children,
Gretchen G. Lofblad, and Frederick J. Lofblad, per stirpes.
THIRD
I direct that any and all inheritance, estate, and transfer
taxes imposed upon my estate passing under this Will or
otherwise shall be paid out of the principal of my residuary
FOURTH
In addition to the powers conferred by law, I authorize any
personal representative acting under this instrument, in their
absolute discretion:
A. To retain in the form received, or to sell either at
public or private sale any real or personal property;
B. To exercise any options to subscribe for stocks,
bonds, or other investments;
SAIDIS
SHUFF, FLOWER
& UNDSAY
c. To join in any plan of lease, mortgage,
ATTORNEYS-AT-LAW
26 W. High Street
Carlisle, P A
consolidation, exchange, reorganization or foreclosure of
any corporation in which my estate or any trust may hold
stocks, bonds or other securities;
D. To sell, transfer, convey, mortgage, pledge, lease
or exchange any property, real or personal, which at any
2
time may form part of my estate, for the paYment of debts
or taxes, or for any purpose of administration or
distribution, for such prices and upon such terms as my
personal representative, in their sole discretion, may deem
wise, and to execute and deliver deeds of conveyance or
transfer thereof;
E. To make settlements and compromises on such terms as
my personal representative in their sole discretion may
deem wise without the necessity of obtaining any court
approval thereof;
F. To make distribution hereunder either in cash or
kind, as my personal representative in their discretion may
deem wise.
FIFTH
I do hereby nominatet constitute and appoint Gretchen G.
Lofblad and Frederick J. Lofbladt to act as Co-Executors of this
my Last Will and Testament.
SAIDIS
SHUFF, FLOWER
& UNDSAY
SIXTH
I direct that no personal representativet guardiant trustee
or other fiduciary appointed under this instrument shall be
required to give bond for the faithful performance of their
A1TORNEYSoAToLAW
26 W. High Street
Carlisle, P A
duties in any jurisdiction.
3
, .
SAID IS
SHUFF, FLOWER
& UNDSAY
ATIORNEYSoATaLAW
26 W. High Street
Carlisle, P A
IN WITNESS WHEREOF, I, Audrey M. Lofblad, have hereunto set
my hand and seal to this my Last Will and Testament, consisting
of four typewritten pages, the first three of which bear my
signature in the margin for identification, this ~ day of
~VLl(
, 20 (J/ .
~
Signed, sealed, published and declared by the above-named
Audrey M. Lofblad, Testatrix, as and for her Last Will and
Testament in the presence of us, who have hereunto subscribed
our names at her request as witnesses thereto, in the presence
of said Testatrix and of each other.
.~
ADDRESS
2& lu t~6 t..
C2\r\ ,\.\.t f,
du uJ. wx'~,
(]adu31.b fft IllY /0
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ADDRESS
4
SAIDIS
SHUFF, FLOWER
& LINDSAY
ATIORNEYSoAToLAW
26 W. High Street
Carlisle, P A
--"-""",
COMMONWEALTH OF PENNSYLVANIA
COUNTY
OF
CUMBERLAND
We/ Audrey M. Lofblad/ Robert C. Saidis and
Phyllis McCoy , the Testatrix and witnesses/ respectively
whose names are signed to the foregoing or attached instrument,
being first duly sworn/ do hereby declare to the undersigned
authority that the Testatrix signed and executed the instrument
as her Last Will and Testament and that she signed willingly and
that executed as her free and voluntary act for the purposes
therein expressed/ and that each of the witnesses/ in the
presence and hearing of the Testatrix signed the Will as
witnesses and that to the best of their knowledge the Testatrix
was at the time eighteen (18) or more years of age, of sound
mind and under no constraint or undue influence.
~e
I
Subscribed/ sworn to and acknowledged before me by Audrey
M. Lofblad/the Testatrix/ and subscribed to and sworn or
affirmed to before me by Robert C.Saidis and
Phyllis McCoy / witnesses/ this 5th day of July
20 01.
\...../ OOTARW.SEIL
nBElE t... Ml.lnAA"'l. NOTMVPUIUC
c~.r~1..m!.E tIORO. CUMB~ CO..PA
r.trIf. COMg.~I!~iOI\l EXPIReS DECEIIIfiIR 1a, IllD1
5
S. W. Barrett Real Estate & Appraisal Services
File No. 07-0154
File Number: 07-0154
Ms. Gretchen Lofblad
1830 Heishman Gardens
Carlisle, PA 17013
..Utotouto INVOICE """."u*
04/12/2007
Borrower: Gretchen LOFBLAD
Invoice # : 07 -0154
Order Date: 04/06/2007
Reference/Case # :
PO Number:
1826 Ridgevlew Drive
Carlisle, PA 17013
Terms: Paid Receipt
Appraisal Services
!nvoice Total
State Sales Tax @
Deposit
peposit
$
$
($
($
Amount Due
Please Make Check P.yable To:
S. W. Barrett Real E,tate & Appraisal Services
126 North Hanover ,treet
Carlisle, PA 17013 .
Fed. 1.0. #: 236646-8t4
YOUR SINGLE SOURCE...Professional, Efficient Service.
\ THANK YOU
\
$
$
325.00
325.00
0.00
325.00 )
)
$
0.00
S. W. Barrett Real Estate & Appraisal Services
File No. 07-0154
APPRAISAL OF
LClCA TED AT:
1826 Ridgeview Drive
Carlisle, PA 17013
FOR:
Ms. Gretchen Lofblad
1830 Heishman Gardens
Carlisle, PA 17013
BORROWER:
Gretchen LOFBLAD
AS OF:
April 11, 2007
BY:
Cassandra J. Crockett
Certified Residential Appraiser
S. W. Barrett Real Estate & Appraisal Services
File No. 07-0154
04/12/2007
Ms. Gretchen Lofblad
1830 Heishman Gardens
Carlisle, PA 17013
File Number: 07-0154
In accordance with your request, I have appraised the real property at:
1826 Ridgeview Drive
Carlisle, PA 17013
The purpose of this appraisal is to develop an opinion of the market value of the subject property, as improved.
The property rights appraised are the fee simple interest in the site and improvements.
In my opinion, the market value of the property as of April 11, 2007
is:
$195,000
One Hundred Ninety-Five Thousand Dollars
The attached report contains the description, analysis and supportive data for the conclusions,
final opinion of value, descriptive photographs, limiting conditions and appropriate certifications.
Respectfully submitted,
~:J. (LU--
Cassandra J. croc"
Certified Residential Appraiser
ProDertv De.crlDtlon
Prop'ertvAddress 1826 Ridaeview Drive City Carlisle State PA ZipCode 17013
Legal Description Deed Book 21-G: Paae 372' North Middleton Twp County Cumberland
Assessor's Parcel No. 29-17-1585-179 Tax Year 06/07 R.E. Taxes $ 2463.00 Special Assessments $ N/A
Borrower Gretchen lOFBLAD Current Owner Harrv & Audrey lofblad Occupant: r Owner I Tenant [xl Vacant
oJ ProperlY riahls appraised fxl Fee Simple T Leasehold I Proiect Tvpe PUD f 1 Condominium IHUDNA onlv) HOA$ N/A /Mo.
Neiahborhood or Proiect Name Basin Hill Heiahts Map Reference 17-1585 Census Tract 0119.00
Sale Price $ N/A Date of Sale N/A Description and $ amount of loan charaes/concessions to be paid bv seller N/A
Lender/Client Ms. Gretchen lofblad Address '1830 Heishman Gardens. Carlisle. PA 17013
Appraiser Cassandra J. Crockett Address '126 North Hanover Street Carlisle PA 17013
Location 0 Urban l!J Suburban -U Rural Predominant Single family housing Present land use oA,
Built up 00 Over 75% 0 25-75% 0 Under 25% occupancy fFoJf,E ~~f One family 73%
Growth rate 0 Rapid 00 Stable 0 Slow 00 Owner 100 Low New 2-4 family 2%
Properly values 00 Increasing 0 Stable 0 Declining 0 T en ant ~O+ Hiah 100 Multi-family 0%
Demand/supply 0 Shortage 00 Inbalanre 0 Oiersupply 00 Vacant(0.5%) ~Predominant~~~liI'~~ Commercial 15%
Marketing time n Under 3 mos. fXj 3-6 mos. n Over 6 mos. n Va.:an! (over 5%\ 175 40 Vacant \ 10%
Note: Race and the racial compo.llIon of the neighborhood are not appraisal factors.
Neighborhood boundaries and characteristics: Subiect is bounded on the north by Rt.944: on the east bv 1-81: on the south by Carlisle
: Borouah: and on the west by Rt.74.
· Factors that affect the marketability of the properties in the neighborhood (proximity to employment and amenities, employment stability, appeal to market, etc.):
~ Subiect propertY is located in an established neighborhood of sinale family homes with a mix of residential and commercial
.
.. usaae. Shopping and other amenities are within walking or short drivina distance. School svstem is Carlisle District and
students are bused. SMSA 42-3240.
SUMMARY APPRAISAL REPORT
UNIFORM RESIDENTIAL APPRAISAL REPORT
File No. 07-0154
land use change
o Not likely 0 Likely
00 In process
To: Residentiall
Commercial
Market conditions in the subject neighborhood (including support for the above conclusions related to the trend of properly values, demand/supply, and marketing time
_ _ such as data on compelilive properties for sale in the neighborhood, description of lhe prevalence of sales and financing concessions, elc.):
Property values are currentlv stable with an average marl(eting time of 80-100 days. Economic trends and lending rates have
remained favorable. Sales concessions occur infrequently. There are new homes under construction in surrounding
developments as well as resales available in the neighborhood.
. Project Information for PUDs (If applicable). - Is the developer/builder in control of the Home Owners' Association (HOA)? 0 YES 0 NO
. Approximate total number of units in the subject project N/A Approximate total number of units for sale in the subject project N/A
Describe common elements and recreational facilities: N/A
Dimensions See legal description/tax maD Topography Basically level
Site area 0.46 Acre M/l Corner Lot U Yes 00 No Size Typical for area
Specific zoning classification and description Suburban Residential Shape Rectangular
Zoning compliance 00 Legal 0 Legal noncon~ng (Grandfathered use) U Illegal U No zoning Drainage Appears adequate
Hiahest & best use as improved: rxr Present use I I Other use lexplain) View Residential
Utilities Public Other Off-site Improvements Type Public Private Landscaping Typical
Electricity 00 100 amp Street Asphalt 00 0 Driveway Surface Asphalt
Gas 0 Curb/gutter Concrete 00 0 Apparent easements None Apparent
Water 00 · well Sidewalk None 0 0 FEMA Special Flood Hazard Area U Yes U No
Sanitary sewer 00 Street lights Adequate 00 ~ FEMA Zone C Map Date 4/111982
Storm sewer [Xi Allev None n I I FEMA Map No. 420367 A
Comments (apparent adverse easements, encroachments, special assessments, slide areas, illegal or legal nonconforming zoning, use, etc.): There are no
apparent adverse easements. encroachments or other adverse conditions. · Oriainal well on site. not recently used per familv
member.
GENERAL DESCRIPTION
No. of Units One
No. of Stories One
Type (DeI./AlI.) Detached
Design (Style) Ranch
Existing/Proposed Existina
Age (Yrs.) 49 Yrs
Effective Age Yrs.) 15-20
. ROOMS Fover
: Basement
Level 1
. Level2
EXTERIOR DESCRIPTION
Foundation Block/Avg
Exterior Walls Brick/Good
Roof Surface Shingle/Av/GI
Gutters & Dwnspts. Alum/Avg
Window Type DbIHng/Av/GI
Storm/Screens Insulated*/Gd
Manufactured House No
Dinina Kitchen
FOUNDATION
Slab None
CraVvlSpaoe None
Basement Full
Sump Pump Floor Drain
Dampness None Obs.
Settlement None Obs.
Infestation None Obs.
Familv Rm. Rec. Rm. Bedrooms
BASEMENT
Area Sq.FI. 1708
% Finished 1 0%
Ceiling Tile
Walls Panel/Blk
Floor Concrete
Outside Entry No
INSULATION
Roof
Ceiling
Walls
Floor
None
Unknown
o
00
o
o
o
o
Livina
Den
# Baths
Laundrv
Area
Other
Area Sa.Ft.
o
1708
Area
1
1
1
3
1.5
.
. Finished area above orade contains: 6 Rooms; 3 Bedroom s); 1.5 Bathls); 1 708 SQuare Feet of Gross Livina Area
. INTERIOR Materials/Condition HEATING KITCHEN EQUIP. ATTIC AMENITIES CAR STORAGE:
Floors HW/CarpMnyl/AvQ Type BBHW Refrigerator 0 None 0 Fireplace(s) #Brick 00 None 0
. Walls Plaster/Ava Fuel Oil Range/Oven 00 Stairs 00 Patio Covered 00 Garage # of cars
Trim/Finish Wood/Ava ConditionGood Disposal 00 Drop Stair 0 Deck 0 Attached 1
Bath Floor Vinyl/Avg COOLING Dishwasher 0 Scuttle 0 Porch Entry 00 Detached
Bath Wainscot Tile/Ava Central Yes Fan/Hood 00 Floor 00 Fence Chain Link 00 Built-In
Doors Wooden/Ava Other None Microwave o Heated R Pool ~ Carport
Averaae Condition ConditionA veraae Washer/Drver n Finished Enclosed Porch Drivewav 1/Pvd
Additional features (special energy efficient items, etc.): See Attached Addendum.
Condition of the improvements, depreciation (physical, functional, and external), repairs needed, quality of construction remodeling/additions, etc.: Improve
ments are in average condition with no physical or functional inadequacies aooarent.
.
Adverse environmental conditions (such as, but notlimiled to, hazardous wastes. toxic substances, etc.) present in the improvements, on the site, or in the
immediate vicinity of the subject property: No adverse environmental conditions are aDoarentldisclosed.
Freddie Mac Form 70 6-93
PAGE 1 OF 2
Produced using ACI software, 800.234.8127 www.Bctweb.com
Famie Mae Form 1004 6-93
Valuation Section
SUMMARY APPRAISAL REPORT
UNIFORM RESIDENTIAL APPRAISAL REPORT
45 000
File No. 07-0154
Comments on Cost Approach (such as, source of cost estimate,
site value, square foot calculation and for HUD, VA and FmHA, the
estimated remaining economic life of the property):
Cost Approach [from Marshall/Swift Valuation Service
handbook and local cost analysis] was considered, but
deemed not credible due to the age of the
improvements. Site value from Market Data.
Depreciation bas. on agellife, observed condition, and
Market Data Analy'is. Estimated remaining Economic
Life is 40-45 years.
ESTIMATED SITE VALUE. . . . . . . . . . . . . . . . . . . . . . . . . . . = $
ESTIMATED REPRODUCTION COST-NEW OF IMPROVEMENTS:
Dwelling Sq. Ft. @$ = $
Sq. Ft. @$ =
: Garage/Carpat _ Sq. Ft. @ $ =
Total Estimated Cost New . . . . . . .\" " "" = $
Less Physical I Functional External Est. Remaining Econ. Life:
· Depreciation ::: $
Depreciated Value of Improvements . . . . . . . . . . . . . . . . . .. = $
"As-is" Value of Site Improvements. . . . . . . . . . . . . . . . . .. = $
INDICATED VALUE BY COST APPROACH. . . . . . . . . .. = $
ITEM I SUBJECT COMPARABLE NO.1
1826 Ridgevlew Drive 1760 Sterretts Gap Ave
Address N.Middleton-Carlisle N.Middleton-Carlisle
Proximity to Subject ......, j" 'r,' 0.31 MI WSW
Sales Price $ N/A !','U",',,;.,i/': v:'," $
Price/Gross Liv. Area $ 0.00 ItI $ 126.38 ItI
Data and/or Inspection
Verification Sources Crt.Hs.Records
VALUE ADJUSTMENTS DESCRIPTION
Sales or Financing N/A" ,'ii
Concessions .,..,
Date of Salemme N/A .. ,',,(,;,.!{
Location Suburban
Leasel'dJlFeeSiTple Fee Simple
Site Lot/Ava .46]
View Residential
Design and Appeal Ranch/Ava
QJaityofConstrucfun Good/Brick
Aae 49 Yrs
Condition Averaae
Above Grade Tolal : Berms I Baths
Room Count 40 6: 3: 1.50
Gross Livina Area 1.708 SaH.
. Basement & Finished Full Bsmt/
Rooms Below Grade Some finish
.
Functional Utilitv Averaae
Heatina/Coolina OHW/CA
· Enerav Efficient Items TVDical
Garaae/Carport 1 Car Garaae
Porch, Patio, Deck, Enclsd.Porch/
Fireolace(s), etc. Cvrd.Patio/FP/
Fence, Pool, etc. Fenced yard
.
=
N/A
COMPARABLE NO.2
920 Cavalry Street
N.Middleton-Carlisle
0.66 MI S
184.900 'r':':i"','\ $ 183900
$ 115.08 ItI i' .: '. . ".' .... $
MLS/Courthouse Records
DESCRIPTION I t (-) S Adjustment
Clsg.Csts/Conv : -6,500
DOM 62 :
9/06 :
Suburban '
Fee Simple :
Lot/Avg [.80] :
Residential I
Ranch/Ava :
Good/Brick :
39 Yrs :
Averaae :
MLS/Courthouse Rectnds
DESCRIPTION I t (-)$ Adjustment
Clsg.CstsNA: -5,000
DOM 2 :
8/06 :
Suburban :
Fee SimDle :
Lot/Avg [.29]:
Residential :
Ranch/Avg :
Good/BrickNin :
39 Yrs I
Averaae :
COMPARABLE NO.3
10 Butler Court
Carlisle Borouah
2.2 MI WSW
$
138.82 ItI
194 901
.' "",
Total I Barns I Baths :
5: 3: 1.00 I
1.463 8o.Ft. :
Full Bsmt/ :
,
FamRm/.5 Bath I
Averaae :
o HW/CA :
Typical I
2 C Intarl.Gar. :
Porch/Patio/ :
,
Shedl '
-3.500
T alai : Berms I Baths :
6: 3: 2.00'
1.598 8o.Ft. :
Full Bsmt/ :
I
Unfinished I
Averaae :
HP/CA :
Typical I
1 Car Garaae :
Enclsd.Porch/ :
,
Entry/FP/ '
-1,000
4.400
MLS/Courthouse Records
DESCRIPTION I t (-) S Adiustment
None, Conv :
DOM3 :
5/06 :
Suburban '
Fee Simple :
Lot/Avg [.38]:
Residential :
Ranch/Avg :
Gd/BricklAlum :
35 Yrs '
SUDerior :
-5,00
1,000
Total I Berms I Baths :
7: 3: 2.00 I
1.404 SaH. :
Full Bsmt/ :
I
Family Room '
Average :
EBB/CA :
Typical I
2 Car Garage :
Cvrd.Patio/FP's :
,
Entry/ I
-400
2,00
1,000
9.800
-4.000
3,000
-1,00
12,20
-3.00
o
1,000
, , I
, . I
Net AdUtotal) "i';iA!1 ~ L J t Ixl. : $ 200 fx1 t fl. '$ 400 [X] t [I. '$ 1 20
~~~::r:I:~ Price;:::. ;i\r![;iii\~i;'t;~~~~~~~t~l~:~~~[i,'t: $ 184.700 ,~~~~~!f~~;~~:i;;[,i;:';, $ 184 300 ~~~~s: .~~~:a $ 196 10
Comments on Sales Comparison (including the subject property's compatibility to the neighborhood, etc.): All com parables are similar in style, utility,
and location to the subiect property. are verified closed sales, and are the best currently available. Limited sales of homes in
subject's value ranae have recently occurred reauirina an expanded search. Fourth comparable added as additional data: *
aae/condition adiustment combined for this sale. Adiusted ranae of value is $184,000 to $205,000.
ITEM SUBJECT COMPARABLE NO.1 COMPARABLE NO.2 COMPARABLE NO.3
Date, Price and Data 1/3/2005
Source for pricr sales None None $1.00 None
within vear of aopraisal CHR Courthouse Records Courthouse Records Courthouse Records
Analysis of any current agreement of sale, option, or listing of the subject property and analysis of any prior sales of subject and comparables within one year of the date of appraisal:
No further recent recorded transfers were found.
INDICATED VALUE BY SALES COMPARISON APPROACH. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . , . . . . . . . $
. INDICATED VALUE BY INCOME APPROACH If licable Estimated Market Rent $ N/A /Mo. x Gross Rent Multi lier N/A = $
This appraisal is made subject to the repars, alterations, inspections or conditions listed below 0 subjeclto completion per plans and specifications.
Conditions of Appraisal: The property has been appraised in current condition. This appraisal is for client only, nontransferable. Sel
attached addendum.
Final Reconciliation: Cost and Market Analysis consistently support my estimated market value. GRM analysis was found
ina ro riate for this anal sis. Greatest wei ht is a lied to the Market Data Anal sis. Su ortin file information
. substantiates these estimates.
The purpose of this appraisal is to estimate the market value of the real properly that is the subject of this report, based on the above conditions and the certification, contingent
and limiting conditions, and market value definition that are stated in the attached Freddie Mac Form 439/Fannie Mae Form 1004B (Revised 6/93 ),
I (WE) ESTIMATE THE MARKET VALUE, AS DEFINED, OF THE REAL PROPERTY THAT IS THE SUBJECT OF THIS REPORT, AS OF 4/11/2007
· (WHICH IS THE DATE OF INSPECTION AND THE EFFECTIVE DATE OF THIS REPORT) TO BE $ 195 000
. APPRAISER: /1 ~ SUPE~P~E'( LYIF RE
Signature (-4sJa<Yld ~ 0--"t::htl-- Si natuUl:> "=.....l.A_) -
Name Cassandra J. Crocke Name Steven W. Barrett, SRPA, SRA
~~~~~ ~~~~~
State Certification # RL-001348-L State PA State Certification # GA-OODa8-L
Or State license # Slale Or State License # RB-021121-A
Fred<ie Mac Form 70 6-93 e I Ie PAGE 2 OF 2 e Ie
Produced using ACI software, 800.234.8727 www.aciweb.com
Appraiser
S.W. Barrett Real Estate & Appraisal Services
195,00
N/.
ODid OODid N
Inspect Properly
State PA
State PA
ppralser Fannie Mae Form 1004 6
SUMMARY APPRAISAL REPORT
UNIFORM RESIDENTIAL APPRAISAL REPORT
COMPARABLE NO.5
COMPARABLE NO.4
221 Lam plite Drive
N.Middleton-Carlisle
2.2MIW
", .,', $ 231 500
121.14 ItJ ..,i"c;,:,;,::(: $
, ':'i"
$ N/A
$ 0.00 ItJ $
Inspection
Crt.Hs.Records MLS/Courthouse Records
DESCRIPTION r DESCRIPTION I, 1-1I M,_
.J ~;' None, Conv :
DOM4 :
)'< 8/06 :
Suburban Suburban :
Fee SimDle Fee Simple :
Lot/Ava r.461 Lot/Ava [.38] :
Residential Residential '
Ranch/Ava Ranch/Avg :
Good/Brick Good/Brick :
49 Yrs 19 Yrs I
Average SUDerior :
",>, $
1tJ',' "
DESCRIPTION
I t (-) $ Adjuslmenl
I
,
0
,
0
,
I
0
0
,
I
,
0
,
I
0
,
,
0
0
0
:
,
,
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0
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0
0
0
0
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-15.000
*
T alai 0 Bltms 0 Balhs
6: 3: 1.50
1.708 So.FI.
Full Bsmt/
Some finish
Average
OHW/CA
Tvpical
1 Car Garaae
Enclsd.Porch/
Cvrd.Patio/FPI
Fenced vard
Tolal : Bdrms: Baths :
7: 3: 2.00 '
1.911 8o,Ft. :
Full Bsmt/ :
I
Unfinished '
Averaae :
HP/CA :
Tvoical 0
2 Car Garaae :
Sun Room/ :
I
Porch/Patio '
-4 000
1,000
T alai 0 Bdrms 0
8alhs
-1,000
-8.100
SQ.FI.
1.000
:=:.;:_'.....,.,'j~L:. ~I(~il, i;: 2::.::: ~,.:':
Comments on Sales Comparison (including the subject property's compatibility to the neighborhood, etc, ):
File No. 07-0154
COMPARABLE NO.6
$
DESCRIPTION
Total: Bdrms' Baths
o ,
I I
Ixl t [1- : $
GrpSS: "
Net:, $
$
ItJ
,
Supplemental Valuation Section
ITEM SUBJECT
~ 826 Ridgeview Drive
Address N.Middleton-Carlisle
Proximilv to Subiect
Sales Price
Price/Gross Liv. hea
Data and/or
Verification Sources
VALUE ADJUSTh1ENTS
Sales or Financing
Concessions
Date of SalefTime
Location
LeasetdlJfee SiTvIe
Site
View
DesiQn and Aooeal
Quaily of ConsfnJctXx1
AQe
Condition
Above Grade
Room Count
Gross LivinQ hea
· Basement & FlIlished
, Rooms Below Grade
. Functional Utilitv
. HeatinQ/CoolinQ
Enemv Eflidentllems
GaraQe/Carpor!
Porch, Patio, Deck,
Fireplace(s), etc,
Fence, Pool, etc.
I t (-) $ Adjustmenl
,
,
,
,
I
I
,
,
I
,
,
,
,
,
,
,
I
,
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,
,
,
Sq,FI. '
,
,
,
:
I
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o
,
ITEM SUBJECT COMPARABLE NO.4 COMPARABLE NO, 5 COMPARABLE NO.6
Date, Price and Data
Sou'ce Ill' price sales None None
within year of aooraisal CHR Courthouse Records
Analysis of any current agreement of sale, option, or listing of the subject property and analysis of any prior sales of subject and oomparables within one year of the date of appraisal:
.
.
.
.
ProduCEld using ACI software, 800.234.8727 www.aclwBb.com
..,;JI'.... I '-'I 1Ir'l1 ,....r'l . r'l_"'_ ,-,.---...--...
Case No
Property Address 1826 Ridgeview Drive
City Carlisle
Borrower Gretchen LOFBLAD
Lender/Client Ms. Gretchen Lofblad
Appraiser Name Cassandra J. Crockett
Fila No 07-0154
CQunty Cumberland
Slate PA
lip 17013
UC Address 1830 Heishman Gardens, C8rlisle, PA 17013
Appr Address
48.0'
j-mmm---.---..-------m-m-m--..--....--4Z:(j.-....-.mm-m--mm..-...m.m_....____.)
! :
! b I
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lor-I
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L_... "h ._.mh__mm m mh____..-.-----h.- m --..---..--.-------I.-j-h--o.--.----.---.---l
- 14.0' !
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Kitchen Dining Room !
Mstr
.56.
Bedroom
W.I.
b --
~ Bath
.
_______________..1
Garage
b
"
'"
Foyer
Living Room
Bedroom
Bedroom
5. .
1::'0
'E -.i:
w
14.0'
25.0'
18.0'
CQmments:
Scale: 1 =
AREA CALCULATIONS SUMMARY
LIVING AREA BREAKDOWN
Code Description Size Totals Breakdown Subtotals
GLAl Fi.rst Floor 170B.00 1708.00 Fi.rst Floor
pIp Enclosed Porch 140.00 32.0 x 48.0 1536.00
Covered Patio 420.00 560.00 4.0 x 25.0 100.00
GAR Garage 336.00 336.00 4.0 x 18.0 72.00
TOTAL LIVABLE
(rounded)
1708
3 Areas Total (rounded)
1708
APEX SOflWARE 80a-858-9958
A"x8t
Borrower: Gretchen LOFBLAD
Property Address: 1826 Ridgeview Drive
9ity: Carlisle
Lender: Ms. Gretchen Lofblad
State: PA
Zip: 17013
File No.: 07-0154
Case No.:
f:RONT VIEW OF
SUBJECT PROPERTY
Appraised Date: April 11 , 2007
Appraised Value: $
REAR VIEW OF
SUBJECT PROPERTY
STREET SCENE
Borrower: Gretchen LOFBLAD
Property Address: 1826 Ridgeview Drive
City: Carli51~_________________~--------------~--- state: PA
Lender: Ms. Gretchen Lofblad
File No.: 07-01541
Case No.:
Zi~ 17013 _________
i
...:~~r~~,..~;~~-:;.
i"':~"'*'i~>.--.,..
,,'~' -'-/'.' ", ~l''''~; .
COMPARABLE SALE #1
1760 Sterretts Gap Ave
N.M iddleton-Carlisle
Sale Date: 9106
Sale Price: $ 184,900
COMPARABLE SALE #2
920 Cavalry street
N.M iddleton-Carlisle
Sale Date: 8106
Sale Price: $ 183,900
~
I
COMPARABLE SALE #3
10 Butler Court
Carlisle Borough
Sale Date: 5106
Sale Price: $ 194,900
Borrower: Gretchen LOFBLAD
~roperty Address: 1826 Ridgeview Drive
City: Carlisle
. Lf;lnder: Ms. Gretchen Lofblad
state: PA
=-"--
l
r
L~
File No.: 07-0154
Case No.:
Zip: 17013
COMPARABLE SALE #4
221lamplite Drive
N.Mlddleton-Carlisle
Sala Date: 8/06
Sala Price: $ 231,500
COMPARABLE SALE #5
Sale Date:
Sale Price: $
COMPARABLE SALE #6
Sale Date:
Sale Price: $
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LOCA liON MAP
Borrower: Gretchen LOFBLAD
Property Address: 1826 Ridgeview Drive
City: Carlisle_______
Lender: Ms. Gretchen Lofblad
File No,: 07-0154
Case No.:
State: PA
-----------~-
~------
Zip: 17013
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3.49 mi les I
Prepared by: Steven W. Barren RE .A.ppr Sve.
10 Address
(717) 243-6646
Date
N/A
AV 9/06
S;06
6/06
8/06
Price RM BR Bath SqFt Proximity'
N/A 6 3 1.5 1708 0.00 M1
184900 5 3 1 1463 0,31 t1I WSW
183900 is 3 2 1598 0_56 M1 S
194900 7 3 2 14(14 2_2 HI WSW
231,500 7 3 2 1911 2.2 MI W
S 1826 R1DGEVIEW DR
1 1760 STERRETTS GAP
_ 920 ~~V~~y Sf
l3 10 BUTLER CT
4 221 LM~L1TE DR
' .---.----
Fie No. 07-0154
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********* QUALIFICATIONS *********
The following checked items are SPECIFIC SPECIAL CONDITIONS that were identified by this appraiser during the
inspection of the subject property, the comparables sales, and their neighborhoods and locations. Unless otherwise
noted, the conditions that apply to the subject property or the comparable sales used DO NOT AFFECT THE MARKET
VALUE OR THE FUTURE MARKETABILITY OF THE SUBJECT PROPERTY BEING APPRAISED. This is not a home
inspection service. This is an appraisal to estimate market value.
_1. The subject is located in a rural area and is less than 25% built-up.
_x_2. Commercialllndustrial uses are located within the subject's neighborhood. These uses are typical of similar
neighborhoods.
_x_3. Vacant and undeveloped land uses are located within the subject's neighborhood. These uses are typical for
the area.
_x_ 4. The predominant value in the neighborhood is less than that of the market value of the subject property. This
is due to the very wide range of value of properties in the area and superior quality of the subject property.
_5. The subject property is located in a F.E.M.A. Identified Flood Zone. Flood insurance coverage is required and
suggested.
_6. Dampness is noted in the basement of the subject. Standing or running water was not present on basement
floor. This condition is considered typical in dwellings of this style.
_7. The subject property is serviced by private well and/or septic systems which is common for the area.
_x_8. The subject is older than five(5) years. All mechanical systems including the heating, electrical and plumbing
systems appear upon a visual exterior inspection to be in working order. No warranties are implied in this statement.
_9. Repair items were noted in the comments section of the report. These comments on repair items are for
descriptive purposes only and are not required repairs. The items listed are cosmetic in nature.
_10. The basement floor is a dirt floor. This condition is common and typical for the area. and does not pose a
health or safety hazard.
_11. The subject property does contain functional obsolescence as noted in the report. This condition is
considered typical and common far the area and this style dwelling.
_12. The land value exceeds 30% of total value due to the high demand for vacant land in this neighborhood. This
condition is considered common and typical for the neighborhood.
_13. The land value exceeds 30% of total value. This is due to the large size of the site. This condition is
considered to be typical and common.
_14. Individual adjustments were required that exceed 15%. These adjustments were required due to lack of more
similar comparables on that individual rating. All comparables used are the best available.
_15. Total adjustments exceed 25%. This is due to the lack of comparable sales that were more similar in the
subject's market area. All comparables used are the best available.
_x_16. One or more comparable sales are older than six(6) months. Although there are comparable properties in the
subject's area, none have sold recently; therefore, sales in excess of six(6) months have to be used. All com parables
used are the best available.
_x_H. One or more comparables used were in excess of one (1) mile from the subject property. Although there are
comparable properties in the immediate area, none have sold recently. Therefore, it was necessary to use comparable
sales outside of the immediate area. All com parables used are located in similar neighborhoods and within the same
marketing area. All comparables used are the best available.
_18. The electrical system was not connected during inspection.
_19. The water service was not connected during inspection.
_20. The heating system was shut down during inspection.
_21. Roofing_Plumbing_Electrical_Heating_certification(s) is/are suggested.
22. Inground swimming pool_, out buildings_are included_I not included_according to lender's
guidelines.
_23. According to lender's guidelines a maximum of_acres were considered for this valuation. Remaining
acreage was given no value.
F~eNo. 07-0154
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********* QUALIFICATIONS *********
_24. The subject property is located on a private road.
_25. Wood infestation inspection is suggested.
_ _26. Last recorded deed transfer: Date_N/A
J Consideration: $ N/A .
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_27. Proposed construction/renovation in accordance to plans and specifications to be completed in a workman-like
manner.
_28. Seller is paying part or all of closing costs.
_x_29. All comparable sales are verified closed sales.
_x_30. There are no special conditions or other requirements that would affect market value or future marketability in
the Appraisal Report.
CHECKED ITEMS ARE SPECIFIC SPECIAL CONDITIONS THAT WERE IDENTIFIED BY THIS APPRAISER DURING
INSPECTION.
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File No. 07-0154
********* QUALIFICATIONS *********
Confidentiality and Security Policy
We consider privacy to be fundamental to our relationship with clients. We are committed to maintaining the
confidentiality, integrity and security of clients' personal information. Internal policies have been developed to protect
this confidentiality, while allowing client needs to be served.
We restrict access to personal information to authorized individuals who need to know this information to comply with
federal standards to protect your nonpublic personal information. We do not disclose this information about you or
any former consumers or customers to anyone, except as permitted by law. The law permits us to share this
information with our affiliates. The law also permits us to share this information with companies that perform
marketing.
When we share nonpublic information referred to above, the information is made available for limited purposes and
under controlled circumstances. We require third parties to comply with our standards for security and confientiality.
We do not permit use of consumer/customer information for any other purpose nor do we permit third parties to rent,
sell, trade or otherwise release or disclose information to any other party.
Education
As of the date of this report, I and/or Steven W. Barrett, SRPA, SRA, have completed the requirements under the
continuing education program of the Appraisal Institute.
File No. 07-0154
. DEFINITION 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 title 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 considers his 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 normal
consideration for the property sold unaffected by special or creative financing or sales concessions' granted by anyone associated with the
sale.
· Adjustments to the com parables 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 LIMITING CONDITIONS AND APPRAISER'S CERTIFICATION
CONTINGENT AND LIMITING CONDITIONS: The appraiser's certification that appears in the appraisal report is subject to the
following 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. The
appraiser assumes that the title is good and marketable and, therefore, will not render any opinions about the title. The property is appraised
on the basis of it being under responsible ownership.
2. The appraiser has provided a sketch in the appraisal report to show approximate dimensions of the improvements and the sketch is
included only to assist the reader of the report in visualizing the property and understanding the appraiser's determination of 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 the appraisal report whether the subject site is located in an identified Special Flood Hazard Area. Because the
appraiser is not a surveyor, he or she makes no guarantees, express or implied, regarding 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.
5. The appraiser has estimated the value of the land in the cost approach at its highest and best use and the improvements at their
contributory value. These separate valuations of the land and improvements must not be used in conjunction with any other appraisal and
are invalid if they are so used.
6. The appraiser has noted in the appraisal report any adverse conditions (such as, needed repairs, depreciation, 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 normal
research involved in performing the appraisal. Unless otherwise stated in the appraisal report, the appraiser has no knowledge of any hidden
or unapparent conditions of the property or adverse environmental conditions (including the presence of hazardous wastes, toxic
substances, etc. ) that would make the property more or less valuable, and has assumed that there are no such conditions and makes no
guarantees or warranties, express or implied, regarding the condition of the property. 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, the appraisal report must not be considered as an environmental assessment
of the property.
7. The appraiser obtained the information, estimates, and opinions that were expressed in the appraisal report from sources that he or she
considers to be reliable and believes them to be true and correct. The appraiser does not assume responsibility for the accuracy of such
items that were furnished by other parties.
8. The appraiser will not disclose the contents of the appraisal report except as provided for in the Uniform Standards of Professional
Appraisal Practice.
9. The appraiser has based his or her appraisal report and valuation conclusion for an appraisal that is subject to satisfactory completion,
repairs, or alterations on the assumption that completion of the improvements will be performed in a workmanlike manner.
10. The appraiser must provide his or her prior written consent before the lender/client specified in the appraisal report can distribute the
appraisal report (including conclusions about the property value, the appraiser's identity and professional designations, and references to
any professional appraisal organizations or the firm with which the appraiser is associated) to anyone other than the borrower; the
mortgagee or its successors and assigns; the mortgage insurer; consultants; professional appraisal organizations; any state or federally
approved financial institution; or any department, agency, or instrumentality of the United States or any state or the District of Columbia;
except that the lender/client may distribute the property description section of the report only to data collection or reporting service(s)
without having to obtain the appraiser's prior written consent. The appraiser's written consent and approval must also be obtained before
the appraisal can be conveyed by anyone to the public through advertising, public relations, news, sales, or other media.
Freddie Mac Form 439 6-93
Page 1 of 2
Fannie Mae Form 1004B 6-93
File No. 07-0154
APPRAISERS CERTIFICATION: The Appraiser certifies and agrees that:
1. I have researched the subject market area and have selected a minimum of three recent sales of properties most similar and proximate
to the subject property for consideration in the sales comparison analysis and have made a dollar adjustment when appropriate to refleclthe
market reaction to those items of significant variation. If a significant item in a comparable property is superior to , or more favorable than,
the subject property, I have made a negative adjustment to reduce the adjusted sales price of the comparable and, if a significant item in a
comparable property is inferior to, or less favorable than the subject property, I have made a positive adjustment to increase the adjusted
sales price of the comparable.
2. I have taken into consideration the factors that have an impact on value in my development of the estimate of market value in the
appraisal report. I have not knowingly withheld any significant information from the appraisal report and I believe, to the best of my
knowledge, that all statements and information in the appraisal report are true and correct.
3. I stated in the appraisal report only my own personal, unbiased, and professional analysis, opinions, and conclusions, which are subject
only to the contingent and limiting conditions specified in this form.
4. I have no present or prospective interest in the property that is the subject to this report, and I have no 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 the
estimate of market value in the appraisal report on the race, color, religion, sex, 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.
5. I have no present or contemplated future interest in the subject property, and neither my current or future employment nor my
compensation for performing this appraisal is contingent on the appraised value of the property.
6. I was not required to report a predetermined value or direction in value that favors the cause of the client or any related party,
the amount of the value estimate, the attainment of a specific result, or the occurrence of a subsequent event in order to receive my
compensation and/or employment for performing the appraisal. I did not base the appraisal report on a requested minimum valuation, a
specific valuation, or the need to approve a specific mortgage loan.
7. I performed this appraisal in conformity with 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 as of the effective date of this appraisal,
with the exception of the departure provision of those Standards, which does not apply. I acknowledge that an estimate of a reasonable
time for exposure in the open market is a condition in the definition of market value and the estimate I developed is consistent with the
marketing time noted in the neighborhood section of this report, unless I have otherwise stated in the reconciliation section.
8. I have personally inspected the interior and exterior areas of the subject property and the exterior of all properties listed as comparables
in the appraisal report. I further certify that I have noted any apparent or known adverse conditions in the subject improvements, on the
subject site, or on any site within the immediate vicinity of the subject property of which I am aware and have made adjustments for these
adverse conditions in my analysis of the property value to the extent that I had market evidence to support them. I have also commented
about the effect of the adverse conditions on the marketability of the subject property.
9. I personally prepared all conclusions and opinions about the real estate that were set forth in the appraisal report. If I relied on
significant professional assistance from any individual or individuals in the performance of the appraisal or the preparation of the appraisal
report, I have named such individual(s) and disclosed the specific tasks performed by them in the reconciliation section of 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
the report; therefore, if an unauthorized change is made to the appraisal report, I will take no responsibility for it.
SUPERVISORY APPRAISER'S CERTIFICATION: If a supervisory appraiser signed the appraisal report, he or she certifies
and agrees that: I directly supervise the appraiser who prepared the appraisal report, have reviewed the appraisal report, agree with the
statements and conclusions of the appraiser, agree to be bound by the appraiser's certifications numbered 4 through 7 above, and am taking
full responsibility for the appraisal and the appraisal report.
ADDRESS OF PROPERTY APPRAISED: 1826 Ridgeview Drive, Carlisle, PA 17013
APPRAISER:
SUPERVISORY APPRAISER (only if required)
Sigo'lure ~..,) Y---IT
Name: Steven W. Barrett, SRPA. SRA
Date Signed: 4/12/2007
State Certification #: GA-000298-L
or State License #: RB-026921-A
State: PA
Expiration Date of Certification or License: 06/30/2007
Signature: tl1J~i:l9-t..06 ~--,-J e ~JJ. tI--
Name: Cassandra J. Crockett
Date Signed: 4/12/2007
State Certification #: RL-001348-L
or State License #:
State: PA
Expiration Date of Certification or License: 06/30/2007
o Did 00 Did Not Inspect Property
Certified Residential Appraiser
Freddie Mac Form 439 6-93
Certified General Appraiser
Page 2 of 2
Fannie Mae Form 1004B 6-93
ADDENDUM
aorrower: Gretchen LOFBLAD
Property Address: 1826 Ridgeview Drive
City: Carlisle
Lender: Ms. Gretchen Lofblad
FileNo.: 07-0154
Case No.:
State: PA
Zip: 17013
Additional Features
Heating system, some floorings, some windows, some plumbing fixtures recently replacedj hardwood floors through-outj ceiling fans; ceramic tile In
main bath; kitchen Ie dated; basement heated, some paneled walls, block shower, electric elevator/chair to access la"ndry in lower level; enclosed
porch, covered patio, entry porch, fenced area In rear yard.
Addendum Page 1 of 1