HomeMy WebLinkAbout10-26-07 (2)
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15056041125
REV-1500 EX (06-05)
PA Department of Revenue
Bureau of Individual Taxes
PO BOX 280601
HarrisburQ, PA 17128-0601
ENTER DECEDENT INFORMATION BELOW
Social Security Number Date of Death
OFFICIAL USE ONLY
County Code Year
INHERITANCE TAX RETURN 2 1 0 7
RESIDENT DECEDENT
File Number
o 0 1 4 9
Date of Birth
165098347
01272 007
06071914
Decedent's Last Name
Suffix
Decedent's First Name
ENDERS
ROBERT
MI
D
(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
!ZI 1. Original Return
o 4. Limited Estate
!ZI
o
2. Supplemental Return
o
o
1
3. Remainder Return (date of death
prior to 12-13-82)
5. Federal Estate Tax Return Required
4a. Future Interest Compromise (date of
death after 12-12-82)
7. Decedent Maintained a Living Trust
(Attach Copy of Trust)
10. Spousal Poverty Credit (date of death 0 11. Election to tax under Sec. 9113(A)
between 12-31-91 and 1-1-95) (Attach Sch. 0)
CORRESPONDENT - THIS SECTION MUST BE COMPLETED. ALL CORRESPONDENCE AND CONFIDENTIAL TAX INFORMATION SHOULD BE DIRECTED TO:
Name Daytime Telephone Number
6. Decedent Died Testate
(Attach Copy of Will)
9. Litigation Proceeds Received
o
o
o
o
8. Total Number of Safe Deposit Boxes
I V 0
V
o T T 0
I I I
717 243 3 3 4 1
Firm Name (If Applicable)
REGISTER OF WILLS USE ONLY
MAR T SON
LAW
OFFICES
First line of address
"J
1 0
E A S T
H I G H
STREET
Second line of address
I;
City or Post Office
State
ZIP Code
D~TE FILED i.
CAR LIS L E
P A
17013
c.
Correspondent's e-mail address:iotto@2martsonlaw.com
Under penalties of pe~ury, I declare that I have examined this return, including accompanying schedules and statements, and to the best of my knowledge and belief,
it is true, corre nd complete. Declaration of pre arer other than the personal representative is based on all information of which preparer has any knowledge.
SIGNAT SO E I R FILlN ETUR
Drive
on~N REPRESENTATIVE
Carlisle
High Street
Carlisle
PLEASE USE ORIGINAL FORM ONLY
PA 17013
Side 1
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15056041125
15056041125
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15056042126
REV-1500 EX
Decedent's Social Security Number
Decedent's Name: ROBERT D. ENDERS
RECAPITULATION
165098347
1. Real estate (Schedule A)
. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .. 1.
200000.00
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.
84836.81
11. Total Deductions (total Lines 9 & 10)
. . . . . . . . . . . . . . . . . . . . . . . . . . . 11.
2 2 4 4 3 7 . 5 6
5 0 9 2 7 4. 3 7
2 7 7 6 7 . 7 4
6 1 8 8 4. 2 8
8 9 6 5 2. 0 2
4 1 9 6 2 2. 3 5
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.
12. Net Value of Estate (Line 8 minus Line 11) . . . . . . . . . . . . . . . . . . . . . . . . . 12.
13. Charitable and Governmental 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. 4 1 9 6 2 2 . 3 5
TAX COMPUTATION - SEE INSTRUCTIONS FOR APPLICABLE RATES
15. Amount of Line 14 taxable
at the spousal tax rate, or
transfers under Sec. 9116
(a)(1.2) X.O _ o . 0 0 15. o . 0 0
16. Amount of Line 14 taxable 4 1 9
at lineal rate X .O~ 6 2 2 . 3 5 16. 1 8 8 8 3 . 0 1
17. Amount of Line 14 taxable o . 0 0
at sibling rate X .12 17. o . 0 0
18. Amount of Line 14 taxable o . 0 0
at collateral rate X .15 18. o . 0 0
19. Tax Due . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 19. 1 8 8 8 3 . 0 1
20. FILL IN THE OVAL IF YOU ARE REQUESTING A REFUND OF AN OVERPAYMENT
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Side 2
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15056042126
15056042126
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REV-1500 EX Page 3
Decedent's Complete Address:
File Number
21 07 00149
DECEDENT'S NAME
ROBERT D. ENDERS
STREET ADDRESS
45 ROLLING DRIVE
CITY I STATE I ZIP
CARLISLE PA 17013
Tax Payments and Credits:
1. Tax Due (Page 2 Line 19) (1)
2. Credits/Payments
A. Spousal Poverty Credit
B. Prior Payments
C. Discount
18,883.01
Total Credits (A + B + C) (2)
0.00
3. Interest/Penalty if applicable
D. Interest
E. Penalty
Total Interest/Penalty ( D + E ) (3)
4. If Line 2 is greater than Line 1 + Line 3, enter the difference. This is the OVERPAYMENT.
Fill in oval on Page 2, Line 20 to request a refund. (4)
0.00
0.00
18,883.01
5. If Line 1 + Line 3 is greater than Line 2, enter the difference. This is the TAX DUE. (5)
B. Enter the total of Line 5 + 5A. This is the BALANCE DUE.
(5A)
(5B)
A. Enter the interest on the tax due.
18,883.01
Make Check Payable to: REGISTER OF WILLS, AGENT
PLEASE ANSWER THE FOLLOWING QUESTIONS BY PLACING AN "X" IN THE APPROPRIATE BLOCKS
1. Did decedent make a transfer and: Yes No
a. retain the use or income of the property transferred; ...................................................................... 0 IZl
b. retain the right to designate who shall use the property transferred or its income; ............................... 0 IZl
c. retain a reversionary interest; or ................................................................................................ 0 IZl
d. receive the promise for life of either payments, benefits or care? ....................................................... 0 IZl
2. If death occurred after December 12, 1982, did decedent transfer property within one year of death
without receiving adequate consideration? ....................................................................................... 0
3. Did decedent own an 'in trust for' or payable upon death bank account or security at his or her death? ......... 0
4. Did decedent own an Individual Retirement Account, annuity, or other non-probate property which
t . b f" d' t' ? I3(l
con ams a ene IClary eSlgna Ion. .................................................................................................. LeU
IZl
IZl
o
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 of the surviving spouse
is three (3) percent [72 P.S. 99116 (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. 99116 (a) (1.1) (ii)]. The statute does not exempt 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. 99116(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. 99116(1.2) [72 P.S. 99116(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. 99116(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)
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SCHEDULE A
REAL ESTATE
COMMONWEALTH OF PENNSYLVANIA
INHERITANCE TAX RETURN
RESIDENT DECEDENT
ESTATE OF FILE NUMBER
ROBERT D. ENDERS 21 07 00149
All real property owned solely or as a tenant in common 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 seller, neither being compelled to buy or sell, both having reasonable knowledge of the relevant facts.
Real property which is jointly-owned with right of survivorship must be disclosed on Schedule F.
ITEM
NUMBER
1.
DESCRIPTION
Residence at 45 Rolling Drive, Carlisle Borough, Parcel No. 04-23-0600-201. Value per
appraisal
VALUE AT DATE
OF DEATH
200,000.00
TOTAL (Also enter on line 1, Recapitulation) $
(If more space is needed, insert additional sheets of the same size)
200000.00
REV-1508 EX + (6-98)
'*'
COMMONWEALTH OF PENNSYLVANIA
INHERITANCE TAX RETURN
RESIDENT DECEDENT
SCHEDULE E
CASH, BANK DEPOSITS, & MISC.
PERSONALPROPERTV
ESTATE OF
ROBERT D. ENDERS
FILE NUMBER
21 07 00149
Include the proceeds of litigation and the date the proceeds were received by the estate.
All property jointly-owned with right of survivorship must be disclosed on Schedule F.
ITEM
NUMBER
1.
DESCRIPTION
VALUE AT DATE
OF DEATH
7,829.09
PNC Bank, Checking #51-4018-3649
Accrued interest on Item 1
1.27
2.
Chapel Pointe of Carlisle, refund on apartment deposit
62,700.00
3.
Capital Blue Cross, refund of premium
136.40
4.
Erie Insurance Group, refund of premium, auto insurance
57.67
5.
Mid-Atlantic Coop-Aero Energy, credit balance
104.78
6.
Household and personal property
2,000.00
7.
Paper money; tokens in safe deposit box
7.60
8.
1979 Cadillac Sedan, appraised value
5,500.00
9.
2003 Buick Century Custom Sedan, sale price
6,500.00
TOTAL (Also enter on line 5, Recapitulation) $
(If more space is needed, insert additional sheets of the same size)
84,836.81
REV-1510 EX + (6-98)
.
COMMONWEALTH OF PENNSYLVANIA
INHERITANCE TAX RETURN
RESIDENT DECEDENT
SCHEDULE G
INTER-VIVOS TRANSFERS &
MISC. NON-PROBATE PROPERTY
ESTATE OF
ROBERT D. ENDERS
FILE NUMBER
21 07 00149
This schedule must be completed and filed if the answer to any of questions 1 through 4 on the reverse side of the REV-1500 COVER SHEET is yes.
DESCRIPTION OF PROPERTY
ITEM INCLUDE THE NAME OF THE TRANSFEREE, THEIR RELATIONSHIP TO DECEDENT AND DATE OF DEATH % OF DECD'S EXCLUSION TAXABLE
NUMBER THE DATE OF TRANSFER. ATTACH A OCPY OF THE DEED FOR REAL ESTATE. VALUE OF ASSET INTEREST VALUE
(IF APPLlCAELE)
1. Edward Jones Account No. 377-01954-1-4 224,437.56 100. 224,437.56
Transfer on death account; beneficiary: Robert E. Enders
TOTAL (Also enter on line 7 Recapitulation) $ 224 437.56
(If more space is needed, insert additional sheets of the same size)
REV-1511 EX + (12-99)
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COMMONWEALTH OF PENNSYLVANIA
INHERITANCE TAX RETURN
RESIDENT DECEDENT
SCHEDULE H
FUNERAL EXPENSES &
ADMINISTRATIVE COSTS
ESTATE OF
ROBERT D. ENDERS
FILE NUMBER
21 07 00149
Debts of decedent must be reported on Schedule I.
ITEM
NUMBER DESCRIPTION AMOUNT
A. FUNERAL EXPENSES:
1. Ewing Brothers Funeral Home, Carlisle, PA 7,578.70
2. Westminster Cemetery, grave opening 1,210.00
3. Carlisle Memorial Service, bronze marker 2,403.00
4. Westminster Cemetery, marker fee 181 .40
B. ADMINISTRATIVE COSTS:
1. Personal Representative's Commissions
Name of Personal Representative (s)
Social Security Number(s)/EIN Number of Personal Representative(s)
Street Address
City State Zip
Year(s) Commission Paid:
2. Attorney Fees Martson Law Offices (estimate) 14,500.00
3. Family Exemption: (If decedenfs address is not the same as claimant's, attach explanation)
Claimant
Street Address
City State Zip
Relationship of Claimant to Decedent
4. Probate Fees Register of Wills of Cumberland County 302.00
5. Accountant's Fees
6. Tax Return Preparer's Fees Boyer & Ritter, 2006 income tax returns 250.00
7. Register of Wills, short certificates 12.00
7.2 Cumberland Law Journal, advertising Letters Testamentary 75.00
7.3 The Sentinel, advertising Letters Testamentary 151.55
7.4 EVP Systems, stock valuation reports 35.50
7.5 Martson Law Offices, certified mail 4.64
7.6 PNC Bank, safe deposit box drilling fee 100.00
7.7 Register of Wills. filing fee, Inheritance Tax Return 15.00
7.8 Erie Insurance, auto insurance premium renewal (see refund Sch. E,4) 161.67
7.9 PPL, electric service during administration 284.12
7.10 Borough of Carlisle, water/sewer during administration 113.16
7.11 Mid-Atlantic Coop/Aero Energy, heating oil during administration 290.00
7.12 Reserve for additional probate fee, filing fees 100.00
TOTAL (Also enter on line 9, Recapitulation) $ 27767.74
(If more space is needed, insert additional sheets of the same size)
REV-1512 EX + (12-03)
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SCHEDULE I
DEBTS OF DECEDENT,
MORTGAGE LIABILITIES, & LIENS
COMMONWEALTH OF PENNSYLVANIA
INHERITANCE TAX RETURN
RESIDENT DECEDENT
ESTATE OF
ROBERT D. ENDERS
FILE NUMBER
21 07 00149
Report debts incurred by the decedent prior to death which remained unpaid as of the date of death, including unreimbursed medical expenses.
ITEM
NUMBER
1.
2.
3.
4.
5.
6.
7.
8.
9.
10.
11.
DESCRIPTION
PNC Bank, Line of Credit Acct #4003048111146580
VALUE AT DATE
OF DEATH
60,090.78
Carlisle Borough Tax Account, Borough/County Tax, from 1/1/07
707.45
Carlisle Borough Tax Account, personal tax from 1/1/07
4.90
Chapel Pointe, account payable
476.08
Carlisle Regional Medical Center, account payable
84.00
Millennium Phys Sys East, account payable
6.65
Masland Associates, account payable
230.50
Embarq, phone service, account payable
53.18
Borough of Carlisle, water/sewer, account payable
37.63
PPL, electric service, account payable
48.11
Mid-Atlantic Coop/Aero Energy, budget payment, account payable
145.00
TOTAL (Also enter on line 10, Recapitulation) $
(If more space is needed, insert additional sheets of the same size)
61 884.28
,,,,.,,,,ex,,.
COMMONWEALTH OF PENNSYLVANIA
INHERITANCE TAX RETURN
RESIDENT DECEDENT
ESTATE OF
ROBERT D. ENDERS
SCHEDULE J
BENEFICIARIES
FILE NUMBER
21 07 00149
RELATIONSHIP TO DECEDENT AMOUNT OR SHARE
NUMBER NAME AND ADDRESS OF PERSON(S) RECEIVING PROPERTY Do Not List Trustee(s) OF ESTATE
1. TAXABLE DISTRIBUTIONS [include outright spousal distributions, and transfers under
Sec. 9116 (a) (1.2)]
1. Robert E. Enders Lineal 419,622.35
37 White Oak Drive
Carlisle, PA 17015
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 TAXIS NOT BEING MADE
1.
B. CHARITABLE AND GOVERNMENTAL DISTRIBUTIONS
1.
TOTAL OF PART II - ENTER TOTAL NON-TAXABLE DISTRIBUTIONS ON LINE 13 OF REV-1500 COVER SHEET $
(If more space is needed, insert additional sheets of the same size)
S. W. Barrett Real Estate & Appraisal Services
Fie No 01-0318
APPRAISAL OF
LOCATED AT:
45 Rolling Drive
Carlisle, PA 17013-4257
FOR:
Robert Enders
31 White Oak Drive
Carlisle, PA 17015
BORROWER:
Robert & Carrie ENDERS
AS OF:
July 31, 2007
BY:
Stan A. Skowronek
Certified Residential A.ppraiser
-5' (] H
ft}::r-k~1
S. W. Barrett Real Estate & Appraisal Services
FileNo 07-0318
,~ -,,-- '
,
-
,
08/31/2007
'.
Robert Enders
37 White Oak Drive
Carlisle, PA 17015
File Number: 07-0318
.
I n accordance with your request, I have appraised the real property at:
45 Rolling Drive
Carlisle, PA 17013-4257
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 July 31,2007
is:
$200,000
Two Hundred 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,
~ (l.~~~,wY-
Stan A. Skowronek
Certified Residential Appraiser
I
I
.
,
,
'.
, -
- -
SUMMARY APPRAISAL REPORT
Propertv Oescrlptlon UNIFORM RESIDENTIAL APPRAISAL REPORT File No. 07-0318
Propertv Address 45 Rollina Drive City Carlisle State PA ZipCode 17013-4257
Legal Desa-iption Deed Book X-13, naae 558 Countv Cumberland
Assessor's Parcel No, 04-23-0600.201 Tax Year 06/07 R.E. Taxes $ 2,431.00 Soecial Assessments $ N/A
Borrower Robert & Carrie ENDERS Current Owner Enders. Robert & Carrie Occuoant: I Owner I Tenant I X I Vacant
"Propertvrightsappraised IXI FeeSimole il Leasehold I ProjectTvoe PUD J Condominium (HUDNAonlv\ HOA$ N/A /Mo,
Neiahborhood or Pro'ect Name Borouah of Carlisle Mac Reference 23-0600 Census Tract 0124.00
Sale Price $ N/A Date of Sale N/A Desa-iption and $ amount of loan charaes/concessions to be paid bv seller N/A
Lender/Client Robert Enders Address 37 White Oak Drive Carlisle PA 17015
Acoraiser Sten A. Skowronek Address 124-126 North Hanover St Carlisle Pa. 17013
Location W Urban ~ Suburban _ Rural Predominant Single family housing Present land use % Land use change
Built up 0 over. 75% X 25-75% Under 25% occupancy PRICE AGE One family 80% 'xl Not likely 0 Likely
I (000) (~.) ----=-= ~
Growth rate 0 Rapid X Stable _ Slow X Owner 95 -lli Low ~ 2-4 family ~ 0 In process
Property values 0 Ina-easing 00 Stable Declining ;:;' Tenant 275 Hiah 60 Multi-falTily ~ To:
Demand/supply RShortage 00 Inbala1ce = OMsupply ! Vacant(Q.O%) Predominant Commercial 15%
Marketina time Under 3 mos, rx1 3-6 mos, Over 6 mos V,,,,,II,,,, "'I 200 I 40 Vacant I 5%
Note: Race and the racial composition of the neighborhood are not appraisal factora.
Neighborhood baundaries and characteristics: The subject is bounded on the north bv Hillcrest Dr on the east bv Sprina Garden St on
: the south by State Ave and on the west by Hanover St.
. Factors that affect the marketability of the properties in the neighborhood (proximity ta employment and amenities, employment stability, appeal to market, etc,):
. There are no adverse factors to affect marketability of subject. Diverse stable employment and all sUPDortina amenities are
" within easv driving distance. SMSA 3240
Market conditions in the subject neighborhood (including support for the above conclusions related to the trend of property values, demand/supply, and marketing time
- - such as data on competitive properties for sale in the neighborhood, description of the prevalence of sales and financing concessions, etc,):
Prooertv sales records and MLS statistics show a steady, moderate Increase in prooertv values over the past vear. Average
marketing time of 60-90 days shows a 1I00d balance of sUDDlv and demand. Few sales and financing concessions are needed
In the nelahborhood.
. Project Information for PUOs (If applicable). - Is the developer/builder in control of the Home Owners' Association (HOA)? U YES U 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 Topography Basicallv Level
Site area .46 Acre m/I Corner Lot U Yes 00 No Size Typical for area
SpeCific zoning classification and description R-1 Low Densitv Residential Shape Rectanaular
Zoning compliance 00 Legal =0 Legal noncon hforming (Gfandfathered use) U Illegal 0 No zoning Drainage Appears Adequate
Hlahest & best use as improved: I X I Present use Other use (explain) View Residential
Utilities Public Other Off-site Improvements Type Public Private Landscaping Average
ElectriCity ~ Street Macadam 00 0 Driveway Surface Macadam
Gas Curb/gutter Concrete 00 B Apparent easements None ADDarent
Water X Sidewalk Concrete 00 FEMA Special Flood Hazard Area U Yes l!J Na
Sanitary sewer 00 Street lights Adequate 00 R FEMA Zone C Map Date 02/03/1982
Storm sewer IXJ Alley None n FEMA Mac No, 425382 0004B
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 condition
GENERAL DESCRIPTION EXTERIOR DESCRIPTION FOUNDATION BASEMENT INSULATION
No, of Units 1 Foundation Cone Blk Slab None Area Sq.Ft. 969 Roof 0
No, of Stories 1.75 Exterior Walls Stone/Alum O'!IM Space None % Finished 80 Ceiling ;--- 00
Type (Det/Att.) Detached Roof Surface CompoShgle Basement Partial Ceiling DroD/Unfln Walls ;--- 00
Design (Style) 1.75 StOry Gutters & Dwnspts, Aluminum Sump Pump No Walls Panel/CB Floor ;--- 00
Existing/Proposed Existing Window Type Wood Frame Dampness None Obs Floor Crpt/Conc None -0
Age (Yrs,) 59 Storm/Sa-eens YeslYes Settlement None Obs Outside Entry Yes Unknown ==0
Effective Aae Yrs,) 20-25 Manufactured House No Infestation None Obs Intear. Gara e
. ROOMS Foyer Livino Dinino Kitchen Den Famil Rm, Rec, Rm, Bedrooms # Baths Laundry Other Area Sa.Ft.
Basement 1 775
Level 1 1 1 1 1 .5 area Sun 1209
. Level 2 2 1 777
Finished area above grade contains: 7 Rooms; 3 Bedroom's);
INTERIOR Materials/Condition HEATING KITCHEN EQUIP, A TIlC
Floors HrdwdlCrptlVlnyl Type FHA Refrigerator 00 None
. Walls Plaster/Panel Fuel Oil Range/Oven 00 Stairs
Trim/Finish Wood CondltklnAvg Disposal 0 Drop Stair
Bath Floor Vinyl COOLING Dishwasher 00 Scuttle
Bath Wainscot Plaster/CerTile Central Yes Fan/Hood 0 Floor
Doors Wood Other None Mia-owave 0 Heated
Averaae Condition ConditionN/A Washer/Dryer fXl Finished
Additional features (special energy efficient items, etc,): Rear patio/deck.
1.5 Bath(s);
AMENITIES
00 Fireplace(s)#L-
o Patio ConclWood
o Deck
o Porch
o Fence
R Pool
1 986 Snuare Feet of Gross Livina Area
CAR STORAGE:
00 None 0
00 Garage 3
o Attached
o Detached
o Built-In
~ Carport
I I Driveway
# of cars
1
2
41Mac
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 phvsical or functional inadequacies noted.
Adverse environmental conditions (such as, but not limited 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 apparent/disclosed.
Freddle Mac Form 10 6-93
PAGE 1 OF 2
Produced U~ng ACI50ftwarl!, 000 23413727 wwwacjwebcom
Fannie Mae Form 1004 6.93
Valuation Section
SUMMARY APPRAISAL REPORT
UNIFORM RESIDENTIAL APPRAISAL REPORT
FileNo 07-0318
ESTIMATED SITE VALUE. . . = $ 46.500 Comments on Cost Approach (such as, source of cost estimate,
ESTIMATED REPRODUCTION COST-NEW OF IMPROVEMENTS: site value, square foot calculation and for HUD, VA and FmHA, the
Dwelling Sq.FI.@$_ = $ 0 estimated remaining economic life of the property):
Sq.Ft.@$_ = 0 Cost ADDroach deemed a poor indicator of value due to
. = aae of the imarovements. Estimated Remainina
Ga-egelCa-pat Sq Ft @$_ = 0 Economic Life - 35-40 veara
-
Total Estimated Cost New . . . . . . . . . . . . . . . = $ 0
Less Physical 'I Functional' I External Est. Remaining Econ. Life: 30
. Depreciation = $ 0
Depreciated Value of Improvements . = $ 0
"As.is" Value of Site Improvements. .... . = $
INDICATED VALUE BY COST APPROACH. = $ NIA
ITEM I SUBJECT COMPARABLE NO.1 COMPARABLE NO.2 COMPARABLE NO.3
45 Roiling Drive 1847 Spring Road 633 S. Bedford Street 210 Avon Drive
Address Carlisle Cartisle Carlisle Carlisle
Proximity to Sub'ect 3.2 MI NNE 0.72 MI NNE 0.31 MI NW
Sales Price $ NIA $ 205 000 $ 194 900 $ 259 900
Plica/Gross Liv. Area $ 0.00 ill $ 102.14 ill $ 113.12 ill $ 94.10 ill
Data and/or Inspection MLS MLS MLS
Verification Sources Courthouse Courthouse Courthouse
VALUE ADJUSTMENTS DESCRIPTION DESCRIPTION I 1't-) $ Mustment DESCRIPTION I +(-)$Ad"ustmenl DESCRIPTION I +(. $Ad'uslmenl
Sales or Financing N/A $2,000 CI. Csts None,Conv $12,000 CI. Csts :
Concessions Conv Conv :
Date of SalelTime N1A 07/06/2007 : 09/28/2006 : 08/04/2006 :
Location Suburban Suburban Suburban Suburban
LeaseIOOfee SiroIe Fee SimDle Fee Simple : Fee Simale : Fee SimDle :
Site .46 AclAva .34 AclAva : .20 AclAva : .35 Ac/Ava :
View Residential Residential Residential Residential
Desion and Aooeal 1.75 StorY 1.5 StorY : 1.75 StorY : 1.5 StorY :
0JaiN <:J.Coost\JdX:n Averaae Averaae : Averaae : Averaae :
Age 59 Yeara 59 Yeara 72 Yeara 36 Yeara
Condition Averaae/Dated Ava/Goocii-5%1 : -10250 Ava/Good/-5%1 : -9.745 Ava/Good(-5%1 : -12995
Above Grade l'oIa1 r Bams I ."", ToIall Ba-ms \ Baths : Total 1 Bams I Baths : Total I 8d-ms ' Batl1s :
Room Count 2~ 7: 3: 1.50 8: 4: 2.50' -3,000 7: 4: 2.00 ' -1,500 9: 4: 2.50' -3,000
Gross Livino Area 1 986 So.Ft. 2.007 So.Ft. : 0 1 723 Sn.Ft. : 5260 2 762 So.Ft. : -15520
. Basement & FlI1ished Partial Bemt! Partial Bemt! Full Bemt! Full Bemt!
Rooms Below Grade Familv Room Unfinished 2000 Unfinished 2000 Unfinished 2000
Functional Utility Averaae Averaae : Averaae : Averaae :
HeatinolCoolino FHAlCA EBBlFHAlCA : EBB/FHAlCA : HP/CA :
. Energy Efficient Items TVDical TVDlcal TVDlcal Typical
Garaoe/CarPort 1 ClntaG/2CCrpt 1 Car Garaae : 2000 1 Car Garaae : 2000 2 Car Garaae : -5 000
Porch, Patio. Deck. Lg Patio/Deck Patio 2,500 WrpArndDklPor -2,000 Covr'd Patio
Fireolace(s), etc. 1 Fireplace 1 Fireolace 1 Flreolace 1 Fireplace
Fence, Pool, etc. None None : None : None :
: : :
Net Ad!. (total) r l + ixl. '$ 6750 fl + fxl. '$ 3985 I 1+ [XI. '$ 34,515
Adjusted Sales P!ice Gross: 9.6% Gross: 11.5% Gross: 14.8'~
of Comoarable Net: -3.3% $ 198.250 Net: -2.0% $ 190915 Net: -13.3% $ 225,385
Comments on Sales Comparison (including the subject property's compatibility to the neighborhood. etc.): Ooinion of value ranae is $190 000 to
$225.000. Condition adlustments reflect recent uaarades of the interiors of the comoarables. Lack of suitable com parables
within the subiects Immediate vlcinltv reauired an eXDanded search area. These are the best sales com parables known to be
available.
ITEM SUBJECT COMPARABLE NO.1 COMPARABLE NO.2 COMPARABLE NO.3
Date, Price and Data Unknown 04125/1975 08121/1997 10/13/2003
S<x.rce fer pro- sales Unknown $22,000 $113,000 $224,900
within vea- of aooraisal Courthouse Courthouse Courthouse Courthouse
Analysis of any current agreement 01 sale. option, or listing of the subject property and analysis of any pro- sales of subject and comparables ,.;thin one year of the date of appraisal:
Comparable #3 last transferred on Seatember 12 2006 for $128000. New kitchen and bath since said transfer. No previous
transfer data was available on the tax assessment records reviewed.
INDICATED VALUE BY SALES COMPARISON APPROACH. . . . . . . . . . . . . . .,. . $ 200 000
INDICATED VALUE BY INCOME APPROACH III Aoolicablel Estimated Market Rent $ NIA /Mo. x Gross Rent Multioller N/A = $ NIA
This appraisal is made l!J "as is" 0 subject to the repais, a~eralions, inspections or conditions listed below TI subject to campletoo per plans and specificatKms.
ConditoosofAppraisal: The DroDertv has been aPDraised in current condition. This is for the clients use only.
Final Reconciliation: The Market Oats Analvsls SUPDOrts my opinion of value for the sublect. The Cost ADDroach was not deemed
an aDDroDrlate indicator of value due to the aae of the subiect and therefore was not Included herein. The Income Approach
. was also deemed inappropriate for this analysis.
The purpose of this appraisal is to estimate the market value of the real property that is the subject 01 this report, based on the above conditions and the certificatKm, contingent
and limiting conditions, and market value definition that a-e stated in the attached Freddie Mac Form 439IFannie Mae Form 1004B (Revised 6/93 ).
I /WEI ESTIMATE THE MARKET VALUE, AS DEFINED, OF THE REAL PROPERTY THAT IS THE SUBJECT OF THIS REPORT, AS OF 07/31/2007
. (WHICH IS THE DATE OF INSPECTION AND THE EFFECTIVE DATE OF THIS REPORT) TO BE $ 200'000~ .
00 Did ODid Not
APPRAISER:~ Q ~ ~ SUPV1-W50RYAPP:.::JR!: YIFHDI:
Signature _ . - W r- ,,,,,-,,, Slgnat~ -=-- .
Name Stan A. Skowronek ~ Name Steven W. Barrett, SRPA, SRA Inspect Property
Date Report Signed 08/01/2007 Date Reoort Sinned 08/01/2007
State Certification # RL-001572-L State PA State Certification # GA-000298-L State PA
Or State License # State Or State License # RB026921A State
F,"'" M" F..m 70 ,," \,;ertlflea Kesldentlal PAGE 2 OF 2 ""CeifiJied ueneral Appraiser F"",~ M.. ''''''' \{Xl. ,."
Appraiser
Produced using ACI sollwn, 800234.8721 W'KW a~iwebcom
S. W. Barrett Real Estate & Appraisal Services
Borrower Robert & Carrie ENDERS
Er2P-er:!Yt.Q9r:~~: 45-BElling Drive
City: Carlisle
Lender: Robert Enders
State: PA
Zip: 17013
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FRONT VIEW OF
SUBJECT PROPERTY
Appraised Dale: July 31, 2007
Appraised Value: $
REAR VIEW OF
SUBJECT PROPERTY
STREET SCENE
\..vm,..",lU\tlLJ: ,..KV,..J:K I J ,..MU I U "'UUt:NUUM
l?~rrow~r: Robert & Carrie ENDERS File No, OHl318
Property Address:A~RollingJ:lriv~. .............__".'.n m... ._..,._____~__~~_..casEl_No.,.:_._ ,_'". . '. ., _ W' "."...
City Carlisi!,. ,...... .....____________ State: ?~_.._____.......li.P~17013__4~5L
Lender: Robert Enders
COMPARABLE SALE #1
1847 Spring Road
Carlisle
Sale Date: 07/06/2007
Sale Price: $ 205,000
COMPARABLE SALE #2
633 S. Bed10rd Street
Carlisle
Sale Date: 09/26/2006
Sale Price: $ 194,900
COMPARABLE SALE #3
210 Avon Drive
Carlisle
Sale Date: 08/0412006
Sale Price: $ 259,900
.8J"Jrrower: Robert & Carrie ENDERS
ProQ~rt'LMdre_s~:_~_R.oIU"-{lP~i~
City: Carlisle
lender: Robert Enders
File No. 07-'>318
___''__..__ __.__~<::a~gll.o,;__
State: PA
Zip: 17013-4257
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ComlTunitv: 426~2 ' :I\RUSLE, QOROUGtl OF
I'rope.y is,ot in a F BAA s~eci31 t1wd hazlll1l area.
t-lop ',,",b<r:12~191 (0049 M>. 0",.: 021))/1012
Panel: 00048 FIPS: 4W41
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.~H_S !"'.d ,,.,.~ 0"1 ~ ;:,~..tt4sJwd rJR\A
Neit,er r",nsaneric. Flooi Haz..-d Ci!rtific31ion rTFH:) nor IICI "ake any
r-:pPi.:i@ntatQn~ cr 1.1';:lInolies to any paty co:oGemng the clm:ent, i(.;IJr3O:-'Y' if
"omp~ness of this food P.pOft jnclu:fino any WJmlnt'l of nerchanlablilv or
fitness for a pa1icul.r p'Jrpase. Neith=r rF -Ie ....1' IIC. nar ne seier allhis
'/("').1 "'€:port shan hav@ anlf iabiUH to a-tV thrd pa1:V fo~ ~n." us~ cr mi..; j:;~ r.,:
this flooj l"eIl.ft,
80110'11<<( Robert & Carrie ENDERS
_~~~.~.~~~l.illaQri:>'!l_~--
City. Carlisle
lender. Robert Enders
file No.. 07-0318
Case No.:
~____-~-- __~__~~e~pJC-------------iii17Qi~:4~57
LOCATION MAP
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4-.70 miles
File No 07-0318
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********* QUAL/FICA TIONS *********
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The following checked items are SPECIFIC SPECIAL CONDITIONS that were identified by this appraiser during the
inspection of the subject property, the com parables 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. Commercial/Industrial uses are located within the subject's neighborhood. These uses are typical of similar
neighborhoods.
_3. Vacant and undeveloped land uses are located within the subject's neighborhood. These uses are typical for
the area.
_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. '
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_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
I, 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 for 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 com parables on that individual rating. All com parables 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 com parables 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.
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_x_17. One or more campa rabIes 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 comparables used are located in similar neighborhoods and within the same
marketing area. All com parables 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.
I' _21. Roofing_Plumbing_Electrical_Heating_certification(s) is/are suggested.
22. Inground sWimming pool_, out buildings_are included-,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.
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File No 07-0318
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********* QUALIFICATIONS *********
_24. The subject property is located on a private road.
_25. Wood infestation inspection is suggested.
_x_26. Last recorded deed transfer: Date_Unknown-, Consideration: $_Unknown
_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.
_29. All comparable sales are verified closed sales.
_x_3D. There are no special conditions or other requirements that would affect market value or future marketability in
the Appraisal Report.
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CHECKED ITEMS ARE SPECIFIC SPECIAL CONDITIONS THAT WERE IDENTIFIED BY THIS APPRAISER DURING
INSPECTION.
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File No 07-0318
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********* QUALIFICATIONS *********
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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 non public 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. ,
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File No. 07-0318
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 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 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. 07-0318
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 reflect the
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 subiect
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 allainment 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: 45 Rolling Drive, Carlisle, PA 17013-4257
APPRAISER:
Signature:_~ C ~... ,'<v-t \--
Name: ~~!LA. Skowronek
Date Signed: 08/01/2007
State Certification #: ~L001572L
or State License #:
State P~_ .
Expiration Date of Certification or License: June 30, 2009
SUPERVISORY APPRAISER (only if required)
<__ ---5lL 1-1
Si9nature: . ' /
Name: Steven W. Barrett, SRPA, SRA
Date Signed: 08/01/2007
State Certification #: GA000298L
or State License #: RB026921A
State: PA
Expiration Date of Certification or License: ,June 30, 2009
00 Did 0 Did Not Inspect Property
Freddie Mac Form 439 6-93
Certified General Appraiser
Page 2 of 2
Fannie Mae Form 1004B 6.93
Certified Residential Appraiser
FEB-28-2007 23:24
PNCBANK
412 768 3458
P.01/01
o PNCBAN<
March 1, 2007
Conine L. Myers
10 East High Street
Carlisle, P A 17013
RE: Estate of Robert D. E. Enders, deceased
SSN: 165-09-8347
000: 1/27/2007
Dear Ms. Myers:
In response to your request for Date of Death balances for the custOmer noted above, OUf
records show the following:
Checking Account
Account #5140183649
Established 04/01/1963
ROBERT D ENDERS
DOD balance: $7,829.09 + $1.27 accrued interest
The decedent maintained Investment Account (IN\' #32901233). For further infounation,
you may contact the Brokerage Department at 1-800-762~6111.
The decedent maintained Credit Line ACCOUnt (RCA #4003048111146580). For further
information, please call 1-888-762-2265. Select option I, then option 3, and then 0 (zero).
After pressing 0 please remain on the line to speak to a Loan Service Representative. (We
do not have access to Loan information, you must contact the Loan Area at the
above number for further assistance).
Please note that this office only provides date of death balances for deposit accounts
(TRAs, CDs, Checking and Savings accounts). We do not process any tinancial
transactions or provide statements. If you need assistance with any of these items,
please call1-888-PNC-BANK (1-888-762-2265) or stop by your local PNC Bank branch
office.
Sincerely,
~lAftR-
RacheIle Wells
1-800-762-1775
P7-PFSC-04-F
500 first Ave.
PittSburgh PA 15219
Member FDIC
seN. E ) :Lien\. I
TOTAL P.01
C~!d
at Carli.,le
March 26, 2007
Tclcr1ll111e: 717-249-1363
Fax: 7l7-249-lJS II
Website: www.ehapelpointe.eoIll
no South Hanover Street
Carlisle, PA 1 70].1
Mrs. Corrine L. Myers
Martson Law Offices
10 East High Street
Carlisle, PAl 7013
Dear Mrs. Myers:
This letter is in response to your letter of March 22,2007, to Linda Amsley. The amount
of the refund due to Robert Enders estate is $62,700.00. A copy ofthe calculation of the
refund is attached for your files.
As you know, the refund is not payable until the independent living unit occupied by Mr.
Enders is re-occupied and the entrance fee is received in full from the new resident.
If you have any other questions, please contact me.
Sincerely,
Richard A. Lehmann
Director of Financial Services
CC: Linda Amsley
.. A retirement community of The Christian and Missionary Alliance i
5CH. 'E l ThM 2-
CLC CONSUMER SERVICES Fax:412-762-7707
Mar 8 2007 12:03
P. 01
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LAW OFFICES
\.ylLUr~M F. MAHT50N. P.C.,
LAST WILL AND TESTAMENT
I, ROBERT D. E. ENDERS, of the Borough of Carlisle,
Cumberland County, Pennsylvania, being of sound and disposing
mind and memory, do hereby make, publish and declare this to
be my Last Will and Testament, hereby revoking any and all
former Wills or Codicils by me made.
1.
I direct that all my just debts, funeral and testamentary
expenses, and all inheritance taxes shall be paid from my
residuary estate as soon as practicable after my decease and
as part of the administration of my estate.
2.
I give, devise and bequeath all of my estate, both real
and personal property, unto my wife, CARRIE E. ENDERS,
absolutely, and I hereby appoint my said wife as Executrix of
my estate.
3.
In the event my said wife shall predecease or fail to
survive me, then I give, devise and bequeath all of my estate,
both real and personal property, unto my son, ROBERT E. ENDERS,
absolutely, and I hereby appoint my said son as Executor of
my estate under the provisions of this paragraph of my Last
Will and Testament.
IN WITNESS WHEREOF I have hereunto set my hand and seal
this ~O'f/..... day of ';~ ' 1979.
fId~,R~
Ro rt D. E. n~fs
(SEAL)
SIGNED, SEALED, PUBLISHED and DECLARED by the above-named
Testator as and for his Last Will and Testament, in the presence I
of us who, at his request, have hereunto subscribed our names as \
witnesses thereto, in t e presence of said Testator and each other..
, - + ~~D~ I
I
LAW OFFICES
WILL1AM F. MARTSON. P.C.
COMMONWEALTH OF PENNSYLVANIA )
COUNTY OF CUMBERLAND . .. )
SSe
I, ROBERT D. E. ENDERS , Testator , whose name
is signed to the attached or foregoing instrument, having
been duly qualified according to law, do hereby acknowledge
that I signed and executed the instrument as my Last Will;
that I signed it willingly; and that I signed it as my free
and voluntary act for the purposes therein expressed.
~j- 41!-0~
Rdoert D. E. Enders
Sworn or affirmed to and acknowledged before me by
the above Testator , this 3~'Ih day of ~ ' 1979.
!(~~-U- .~J.
MAR'! L:~'" '" "-,' ":cx"or/ ?u1:J!T:
c.."\1"kh. C....)., . ;.<or "
,~. c.om.",;",;;Q\
h\
COMMONWEALTH OF PENNSYLVANIA )
: SSe
COUNTY OF CUMBERLAND . . . . )
We, bJ ~.~,.J. ~ a~ ~.~ J! /Jz~ft
.(7 )..,.,,;
the witnesses whose names are signed to the attached or
foregoing instrument, being duly qualified according to
law, do depose and say that we were present and saw
Robert D. E. Enders , Testat or, sign and execute
the instrument as his Last Will; that Robert D. E. Enders
signed willingly and that Robert D. E. Enders
executed it as his free and voluntary act for the purposes
therein expressed; that each of us in the hearing and sight
of Robert D. E. Enders , Testator , signed the Will
as witnesses; and that to the best of our knowledge, the
Testator was at that time 18 or more years of age, of sound
mind and under no constraint or un~ue i~fl~~~
J21J~ n! 101/7" l
Address IDc...t JJ:i: .J);ud-
a;J~, ~
~~"~'t.~~
~
day
Sworn or affirmed to and subscribed before me this<10~
of ~ ' 1979.
N~~r{~.,,~
('~lo, c> ~-.../:t,
''1lr p-,v,.,>,;;'l,~,:"
~(J. . "..'"