HomeMy WebLinkAbout11-15-07
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15056041147
REV-1500 EX (06-05)
PA Department of Revenue
Bureau of Individual Taxes ~
PO BOX.280601 ~
Harrisburg, PA 17128-0601
ENTER DECEDENT INFORMATION BELOW
Social Security Number Date of Death
OFFICIAL USE ONLY
County Code Year
File Number
INHERITANCE TAX RETURN
RESIDENT DECEDENT 2 1 0 7
00807
Date of Birth
191428256
08232007
07281914
Decedent's Last Name
Suffix
Decedent's First Name
MAY
CATHLEEN
MI
J
(If Applicable) Enter Surviving Spouse's Information Below
Spouse's Last Name Suffix
Spouse's First Name
MI
Spouse's Social Security Number
THIS RETURN MUST BE FILED IN DUPLICATE WITH THE
REGISTER OF WILLS
FILL IN APPROPRIATE OVALS BELOW
[] 1. Original Return D 2. Supplemental Return D 3. Remainder Return (date of death
prior to 12-13-82)
D 4. Limited Estate D 4a. Future Interest Compromise D 5. Federal Estate Tax Return Required
(date of death after 12-12-82)
[K] 6. Decedent Died Testate D 7. Decedent Maintained a Living Trust 0 8. Total Number of Safe Deposit Boxes
(Attach Copy of Will) (Attach Copy of Trust)
D 9. Litigation Proceeds Received D 10 Spousal Poverty Credit jdate of death D 11. Election to tax under Sec. 9113(A)
. between 12-31-91 and -1-95) (Attach Sch. 0)
~ORRESPONDENT - THIS SECTION MUST BE COMPLETED. ALL CORRESPONDENCE AND CONFIDENTIAL TAX INFORMATION SHOULD BE DIRECTED TO:
ame Daytime Telephone Number
EDMUND G. MYERS 717761 540
301
MARKET
STREET
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REGISTE LLS U~NL po, ::;~)
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DATE FILED- ' ·
.
Firm Name (If Applicable)
JOHNSON DUFFIE
First line of address
Second line of address
City or Post Office
LEMOYNE
State
PA
ZIP Code
17043
Correspondent's e-mail address:
Under penalties of perjury, I declare that I have
it is true, correct and complete. Declaration of p
SIGNATURE OF PERSON RESPONSIBLE FOR F G
rn, including accompanying schedules and statements, and to the best of my knowledge and belief,
the p rsona! representative is based on all information of which preparer has any knowledge.
DATE
ADDRESS
DATE
EDMUND G. MYERS
, I
301 MARKET STREET, LEMOYNE, PA 17043
Side 1
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15056041147
15056041147
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151J561J42148
REV-1500 EX
Decedent's Name: Cath leen J MAY
Decedent's Social Security Number
191428256
RECAPITULA TION
1. Real Estate (Schedule A).......................................................................................... 1.
2. Stocks and Bonds (Schedule B)............................................................................... 2.
3. Closely Held Corporation, Partnership or Sole-Proprietorship (Schedule C).......... 3.
4. Mortgages & Notes Receivable (Schedule D).......................................................... 4.
5. Cash, Bank Deposits & Miscellaneous Personal Property (Schedule E)................ 5.
6. Jointly Owned Property (Schedule F) D Separate Billing Requested............. 6.
7. Inter-Vivos Transfers & Miscellaneous Non-Probate Property
(Schedule G) D Separate Billing Requested............. 7.
8. Total Gross Assets (total Lines 1-7)....................................................................... 8.
9. Funeral Expenses & Administrative Costs (Schedule H)......................................... 9.
10. Debts of Decedent, Mortgage Liabilities, & Liens (Schedule I)................................ 10.
11. Total Deductions (total Lines 9 & 10)......................................................................11.
12. Net Value of Estate (Line 8 minus Line 11).............................................................12.
13. Charitable and 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.
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
0.00
132,954.42
0.00
0.00
19. Tax Due.................................................................................................................. .1.9.
20. FILL IN THE OVAL IF YOU ARE REQUESTING A REFUND OF AN OVERPAYMENT.
L
Side 2
151J561J42148
109,000.00
760.00
3,664.87
34,510.34
147,935.21
._-----------,----~---
10,411.51
4,569.28
14,980.79
132,954.42
132,954.42
15.
0.00
16.
5,982.95
17.
0.00
18.
0.00
5,982.95
D
151J561J42148
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REV-1500 EX Page 3
Decedent's Complete Address:
DECEDENT'S NAME
Cathleen J MAY
STREET ADDRESS
208 East Main Street
File Number 21-07-00807
CITY
IZIP
17011
--
I STATE
Shiremanstown
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) 5,982.95
299.15
3. Interest/Penalty if applicable
D. Interest
E. Penalty
Total Credits (A + B + C)
(2) 299. 1 5
Total Interest/Penalty (D + E)
4. If Line 2 is greater than Line 1 + Line 3, enter the difference. This is the OVERPAYMENT.
Check box on Page 2 Line 20 to request a refund
5. If Line 1 + Line 3 is greater than Line 2, enter the difference. This is the TAX DUE.
A. Enter the interest on the tax due.
B. Enter the total of Line 5 + 5A. This is the BALANCE DUE.
(3)
(4)
(5)
(5A)
(5B)
Make Check Payable to: REGISTER OF WILLS, AGENT
5,683.80
5,683.80
PLEASE ANSWER THE FOLLOWING QUESTIONS BY PLACING AN "X" IN THE APPROPRIATE BLOCKS
1. Did decedent make a transfer and: Yes
a. retain the use or income of the property transferred;.................................................................................0
b. retain the right to designate who shall use the property transferred or its income;.................................... D
c. retain a reversionary interest; or................ ................................................................... ..... .................... ...0
d. receive the promise for life of either payments, benefits or care?............................................................. 0
2. If death occurred after December 12, 1982, did decedent transfer property within one year of death without
receiving adequate consideration?.....................................................................................................................[l
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?.................................................................................................................. 0 ~
IF THE ANSWER TO ANY OF THE ABOVE QUESTIONS IS YES, YOU MUST COMPLETE SCHEDULE G AND FILE IT AS PART OF THE RETURN.
No
~
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~
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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 exemOB 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.
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Rev-1502 EX+ (6-98)
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SCHEDULE A
REAL ESTATE
COMMONWEALTH OF PENNSYLVANIA
INHERITANCE TAX RETURN
RESIDENT DECEDENT
MAY, Cathleen J
IFILE NUMBER
21-07 -00807
ESTATE OF
All real property owned solely Dr 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 joinlly-owned with right of survivorship must be disclosed on schedule F.
ITEM
NUMBER
DESCRIPTION
VALUE AT DATE
OF DEATH
1
Residence - 208 East Main Street, Shiremanstown, PA. Property appraised by
Koppenhaven Appraisals on August 14,2007. A copy of the appraisal is attached to
this Return.
109.000.00
TOTAL (Also enter on Line 1, Recapitulation)
109.000.00
(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)
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Rev-1508 EX+ (6-98)
*'
SCHEDULE E
CASH, BANK DEPOSITS, & MISC.
PERSONAL PROPERTY
COMMONWEALTH OF PENNSYLVANIA
INHERITANCE TAX RETURN
RESIDENT DECEDENT
ESTATE OF
MAY, Cathleen J
FILE NUMBER
21-07-00807
Include lhe proceeds of litigation and the date the proceeds were received by the eslate.
All property jointly-owned with the right of survivorship must be disclosed on schedule F.
ITEM
NUMBER DESCRIPTION
1 Miscellaneous Coin Collection - Inventoried and Appraised by Mobile Merchants
VALUE AT DATE
OF DEATH
100.00
2 Tangible Personal Property - Inventoried and Appraised by Chuck Bricker,
Auctioneer AU094-L
660.00
TOTAL (Also enter on Line 5, Recapitulation)
760.00
(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 E (Rev. 6-98)
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Rev-1509 EX+ (5-98)
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SCHEDULE F
JOINTLY-OWNED PROPERTY
COMMON\M:ALTH OF PENNSYLVANIA
INHERITANCE TAX RETURN
RESIDENT DECEDENT
ESTATE OF
MAY, Cathleen J
FILE NUMBER
21-07-00807
If an asset was made joint within one year of the decedent's date of death, It must be reported on schedule G.
SURVIVING JOINT TENANT(S) NAME
A. John R May
ADDRESS
RELATIONSHIP TO DECEDENT
Son
17 Cold Springs Road
Oillsburg, PA 17019
B.
C.
JOINTLY OWNED PROPERTY:
DATE DESCRIPTION OF PROPERTY %OF DATE DF DEATH
ITEM LETTER INCLUDE NAME OF FINANCIAL INSTITUTION AND BANK ACCOUNT DATE OF DEATH
FOR JOINT MADE DECD'S VALUE OF
NUMBER NUMBER OR SIMILAR IDENTIFYING NUMBER. ATTACH DEED FOR VALUE OF ASSET DECEDENT'S INTEREST
TENANT JOINT JOINTLY-HELD REAL ESTATE. INTEREST
1 A 12/3/2003 Commerce Bank 50 Plus Checking 5.221.06 50.000% 2.610.53
Account No. 536572704
2 A 4/28/1994 Pennsylvania State Employees Credit 2.097.00 50.000% 1.048.50
Union Checking Account 10 4
3 A 5/13/2005 Pennsylvania State Employees Credit 6.65 50.000% 3.33
Union Money Market Account 10 7
4 A 4/29/1994 Pennsylvania State Employees Credit 5.02 50.000% 2.51
Union Regular Share Account 10 1
TOTAL (Also enter on Line 6, Recapitulation) 3.664.87
(If more space is needed, additional pages of the same size)
Copyright (c) 2002 form software only The Lackner Group, Inc.
Form PA-1500 Schedule F (Rev 6-98)
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Rev-1510 EX+ (6-98)
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SCHEDULE G
INTER-VIVOS TRANSFERS &
MISC. NON-PROBATE PROPERTY
COMMONWEALTH OF PENNSYLVANIA
INHERITANCE TAX RETURN
RESIDENT DECEDENT
ESTATE OF
MAY, Cathleen J
FILE NUMBER
21-07 -00807
This schedule must be completed and filed ~ the answer to any of questions 1 through 4 on the reverse side of the REV-1500 COVER SHEET is yes.
ITEM LJESCRIPTIONOF PROPERTY DATE OF DEATH % OF DECO'S EXCLUSION TAXABLE
NUMBER INCLUDE NAME OF TRANSFEREE, THEIR RELATIONSHIP TO DECEDENT AND VALUE OF ASSET INTEREST (IF APPLICABLE) VALUE
THE DATE OF TRANSFER. ATTACH A COPY OF THE DEED FOR REAL ESTATE.
1 Commerce Bank Ultra MMDA Personal Account 37.510.34 3.000.00 34.510.34
No. 537860272 - Account was with John R. May
and was created on July 18, 2007.
TOTAL (Also enter on Line 7, Recapitulation) 34.510.34
(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 G (Rev. 6-98)
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REV-1151 EX+ (12-99)
*'
SCHEDULE H
FUNERAL EXPENSES &
ADMINISTRATIVE COSTS
COMMONWEALTH OF PENNSYLVANIA
INHERITANCE TAX RETURN
RESIDENT DECEDENT
ESTATE OF
MAY, Cathleen J
Debts of decedent must be reported on Schedule I.
FILE NUMBER
21-07 -00807
ITEM DESCRIPTION AMOUNT
NUMBER
A. FUNERAL EXPENSES:
See continuation schedule(s) attached 5,627.41
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 Johnson Duffie 3,500.00
3. Family Exemption: (If decedent's address is not the same as claimant's, attach explanation)
Claimant
Street Address
City State Zip
Relationship of Claimant to Decedent
4. Probate Fees 310.00
5. Accountant's Fees
6. Tax Return Preparer's Fees 350.00
7. Other Administrative Costs 624.10
See continuation schedule(s) attached
TOTAL (Also enter on line 9, Recapitulation) 10,411.51
Copyright (c) 2002 form software only The Lackner Group, Inc.
Form PA-1500 Schedule H (Rev. 6-98)
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Rev.1502 EX+ (6-981
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SCHEDULE H-A
FUNERAL EXPENSES
continued
COMMONWEALTH OF PENNSYLVANIA
INHERITANCE TAX RETURN
RESIDENT DECEDENT
ESTATE OF
MAY, Cathleen J
FILE NUMBER
21-07 -00807
ITEM
NUMBER
DESCRIPTION
AMOUNT
1
Neill Funeral Home
5.627.41
Subtotal
5.627.41
Copyright (c) 2002 form software only The Lackner Group, Inc.
Form PA-1500 Schedule H-A (Rev. 6-98)
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Rsv-1502 EX+ (6-98)
*'
SCHEDULE H-B7
OTHER
ADMINISTRATIVE COSTS
continued
COMMONWEALTH OF PENNSYLVANIA
INHERITANCE TAX RETURN
RESIDENT DECEDENT
ESTATE OF
MAY, Cathleen J
FILE NUMBER
21-07 -00807
ITEM
NUMBER
DESCRIPTION
AMOUNT
1
Chuck Bricker, Autioneer - Appraisal of Decedent's Personal Property
100.00
2
Cumberland County Register of Wills Office - Filing Fees for Inheritance Tax Return
($15.00) and Inventory ($15.00)
30.00
3
Mobile Merchants - Coin Appraisals
21.20
4
Reserves for Remining Estate Expenses
250.00
5
The Cumberland Law Journal - Notice of Estate Administration
75.00
6
The Patriot News Company
147.90
Subtotal
624.10
Copyright (c) 2002 form software only The Lackner Group, Inc.
Form PA-1500 Schedule H-B7 (Rev. 6-98)
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Rev-1512 EX+ (6-98)
*'
SCHEDULE I
DEBTS OF DECEDENT,
MORTGAGE LIABILITIES, & LIENS
COMMONWEALTH OF PENNSYLVANIA
INHERITANCE TAX RETURN
RESIDENT DECEDENT
ESTATE OF
MAY, Cathleen J
FILE NUMBER
21-07 -00807
Include un reimbursed medical expenses.
ITEM
NUMBER DESCRIPTION
1 Hospital Telephone & Telcom Service, L TO
VALUE AT DATE
OF DEATH
16.00
2 OSL DBA Orth Institute of PA
15.50
3 PP&L Utilities Account No. 69580-81006
22.78
4 Shippensburg Health Care Center - Final Nursing Home Care Costs
4.515.00
TOTAL (Also enter on Line 10, Recapitulation)
4,569.28
(If mDre space is needed, additional pages of the same size)
Copyright (c) 2002 form software only The Lackner Group, Inc.
Form PA-1500 Schedule I (Rev. 6-98)
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REV-1513 EX+ (9-00)
*'
SCHEDULE J
BENEFICIARIES
COMMONWEALTH OF PENNSYLVANIA
INHERITANCE TAX RETURN
RESIDENT DECEDENT
ESTATE OF
NUMBER
MAY, Cathleen J
NAME AND ADDRESS OF
PERSON(S) RECEIVING PROPERTY
TAXABLE DISTRIBUTIONS [include outright spousal
distributions, and transfers
under Sec. 9116(a)(1.2)]
RELATIONSHIP TO
DECEDENT
Do Not List Trustee/51
FILE NUMBER
21-07-00807
SHARE OF ESTATE AMOUNT OF ESTATE
(Words) ($$$)
I.
John R May
17 Cold Springs Road
Dillsburg, PA 17019
Robert E May
100 East Main Street
Shiremanstown, PA 17011
Son
1/3rd of Estate
Son
1/3rd of Estate
Pauline E Rife
206 East Main Street
Shiremanstown, PA 17011
Daughter
1/3rd of Estate
Total
Enter dollar amounts for distributions shown above on lines 15 through 18, as appropnate, on Rev 1500 cover sheet
II. NON-TAXABLE DISTRIBUTIONS:
A. SPOUSAL DISTRIBUTIONS UNDER SECTION 9113 FOR WHICH AN ELECTION TO TAX IS NOT
BEING MADE
8. CHARITABLE AND GOVERNMENTAL DISTRIBUTIONS
TOTAL OF PART 11- ENTER TOTAL NON-TAXABLE DISTRIBUTIONS ON LINE 13 OF REV-1500 COVER SHEE
0.00
Copyright (c) 2002 form software only The Lackner Group, Inc.
Form PA-1500 Schedule J (Rev. 6-98)
. .
EXHIBIT A
EXHIBIT B
EXHIBIT C
EXHIBIT D
EXHIBIT E
EXHIBIT F
:314655
ESTATE OF CATHLEEN J. MAY
SCHEDULE OF EXHIBITS
Last Will and Testament of Cathleen J May signed and dated
October 16th, 1998.
Appraisal of Real Estate located at 208 East Main Street,
Shiremanstown, P A by Koppenhaver Appraisals.
Mobile Merchants Appraisal of Decedent's Coin Collection
Personal property Appraisal by Chuck E. Bricker
Pennsylvania State Employees Credit Union Date of Death
Account Balances
Commerce Bank Date of Death Account Balances
LAST WILL AND TESTAMENT
OF
CATHLEEN J. MAY
Introductory Clause. I, CATHLEEN J. MAY, a resident of and domiciled in the Borough
of Shiremanstown, County of Cumberland and Commonwealth of Pennsylvania, do hereby
make, publish and declare this to be my Last Will and Testament, hereby revoking all Wills and
Codicils at any time heretofore made by me.
I have three living children: John R. May; Robert E. May; and Pauline E. Rife.
ARTICLE I
Direction to Pay Debts. I direct that all my legally enforceable debts, secured and
unsecured, be paid as soon as practicable after my death.
ARTICLE II
Direction to Pay All Taxes from Residuary Estate. I direct that all estate, inheritance,
succession, death or similar taxes (except generation-skipping transfer taxes) assessed with
respect to my estate herein disposed of, or any part thereof, or on any bequest or devise contained
in this my Last Will (which term wherever used herein shall include any Codicil hereto), or on
any insurance upon my life or on any property held jointly by me with another or on any transfer
made by me during my lifetime or on any other property or interests in property included in my
estate for such tax purposes be paid out of my residuary estate and shall not be charged to or
against any recipient, beneficiary, transferee or owner of any such property or interests in
property included in my estate for such tax purposes.
AR TICLE IIT
Bequest of Specific Item of Personal Effects. I give and bequeath to Pauline E. Rife, if
she shall survive me, my jewelry.
ARTICLE IV
General Bequest of Personal and Household Effects With a Precatory Memorandum. I
give and bequeath all my personal and household effects of every kind including but not limited
to furniture, appliances, furnishings, pictures, silverware, china, glass, books, jewelry, wearing
apparel, boats, automobiles, and other vehicles, and all policies of fire, burglary, property
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damage, and other insurance on or in connection with the use of this property, to my children
surviving me in approximately equal shares; provided, however, the issue (excluding Jamie K.
May) of a deceased child surviving me shall take per stirpes the share their parent would have
taken had he or she survived me. If my issue do not agree to the division of the property among
themselves, my Executor shall make such division among them, the decision of my Executor to
be in all respects binding upon my issue. I request that my Executor and my issue abide by any
memorandum by me directing the disposition of this property or any part thereof. This request is
precatory and not mandatory. If any beneficiary hereunder is a minor, my Executor may
distribute such minor's share to such minor or for such minor's use to any person with whom
such minor is residing or who has the care or control of such minor without further responsibility
and the receipt of the person to whom it is distributed shall be a complete discharge of my
Executor. The cost of packing and shipping such property shall be charged against my estate as
an expense of administration.
ARTICLE V
Outright Gift of All Property to Children, Contingent Gift to Intestate Heirs. I give, devise
and bequeath all the rest, residue and remainder of my property of every kind and description
(including lapsed legacies and devises) wherever situate and whether acquired before or after the
execution of this Will, absolutely in fee simple to my surviving children in equal shares,
provided, however; the then living issue (excluding Jamie K. May) ofa deceased child of mine
shall take per stirpes the share their parent would have taken had he or she survived me, or in
default of such issue, then to those persons, then living, who would be my heirs at law (excluding
Jamie K. May), their identities and respective shares to be determined in accordance with the law
in effect in the Commonwealth of Pennsylvania at my death, as if! had died intestate.
ARTICLE VI
Naming the Executor, Executor Succession, Executor's Fees and Other Matters. The
provisions for naming the Executor, Executor succession, Executor's fees and other matters are
set forth below:
(1) Naming an Individual Executor. I hereby nominate, constitute and appoint as
Executor of this my Last Will and Testament John R. May and direct that he shall serve without
bond.
(2) Naming Individual Successor or Substitute Executor. Ifmy individual Executor
should fail to qualify as Executor hereunder, or for any reason should cease to act in such
capacity, the successor or substitute Executor who shall also serve without bond shall be Pauline
E. Rife.
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Page 2
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(3) Fee Schedule for Individual Executor. For its services as Executor, the individual
Executor shall receive reasonable compensation for the services rendered and reimbursement for
reasonable expenses.
ARTICLE vn
Definition of Executor. Whenever the word "Executor" or any modifying or
substituted pronoun therefor is used in this my Will, such words and respective pronouns shall
include both the singular and the plural, the masculine, feminine and neuter gender thereof, and
shall apply equally to the Executor named herein and to any successor or substitute Executor
acting hereunder, and such successor or substitute Executor shall possess all the rights, powers
and duties, authority and responsibility conferred upon the Executor originally named herein
ARTICLE vrn
Powers of Executor. I give to any Executor named in this Will or any Codicil hereto or to
any successor or substitute Executor all of the powers enumerated in this Will and all of the
powers applicable by law to fiduciaries in the Commonwealth of Pennsylvania and in particular
through the Pennsylvania Probate, Estates and Fiduciaries Code, as effective and as in effect on
the date of my death, during the administration and until the completion of the distribution of my
estate. I direct that all such powers shall be construed in the broadest possible manner and shall
be exercisable without court authorization.
(1) Specific Power regarding investments. My Executor is authorized and
empowered to acquire and to retain, either permanently or for such period oftime as my
Executor may determine, any assets, including the capital stock of any closely held corporation,
whether such assets are or are not of the character approved or authorized by law for investment
by fiduciaries and whether such assets do or do not represent an overconcentration in one
investment.
(2) Specific Power regarding disclaimers. My Executor is authorized and empowered
to disclaim any interest, in whole or in part, of which I, or my Executor, may be the beneficiary,
devisee, or legatee, by executing an appropriate instrument (in accordance with section 2518 of
the Internal Revenue Code of 1986, as amended, or such similar section as may then be in
effect).
(3) Specific Power regarding sales and leases. My Executor is authorized and
empowered to sell at public or private sale, or exchange, and to encumber or lease, for any period
of time, any real or personal property and to give options to buy or lease any such property.
Additionally, my Executor is authorized and empowered to compromise claims, to borrow from
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Page 3
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anyone (including a fiduciary hereunder) and to pledge property as security therefor, to make
loans to and to buy property from anyone (including a fiduciary or beneficiary hereunder);
provided that any such loans shall be adequately secured and at a fair interest rate.
(4) Specific power regarding fiduciary accounting practices. My Executor is
authorized and empowered to allocate property, charges on property, receipts and income among
and between principal or income, or partly to each, without regard to any law defining principal
and income.
ARTICLE IX
Provision for Executor to Act as Trustee for Beneficiary 1 Jnder Age Twenty-One. If any
share or property hereunder becomes distributable to a beneficiary who has not attained the age
of Twenty-one (21) years or if any real property shall be devised to a person who has not attained
the age of Twenty-one (21) years at the date of my death, then such share or property shall
immediately vest in the beneficiary, but notwithstanding the provisions herein, my Executor
acting as Trustee shall retain possession of the share or property in trust for the beneficiary until
the beneficiary attains the age of Twenty-one (21), using so much of the net income and principal
of the share or property as my Executor deems necessary to provide for the medical care,
education, support and maintenance in reasonable comfort of the beneficiary, taking into
consideration to the extent my Executor deems advisable any other income or resources of the
beneficiary or his or her parents known to my Executor. Any income not so paid or applied shall
be accumulated and added to principal. The beneficiary's share or property shall be paid over,
distributed and conveyed to the beneficiary upon attaining age Twenty-one (21), or ifhe or she
shall sooner die, to his or her executors or administrators. Whenever my Executor determines it
appropriate to pay any money for the benefit of a beneficiary for whom a trust is created
hereunder, then the amounts shall be paid out by my Executor in such ofthe following ways as
my Executor deems best: (1) directly to the beneficiary; (2) to the legally appointed guardian of
the beneficiary; (3) to some relative or friend for the care, support and education ofthe
beneficiary; (4) by my Executor using such amounts directly for the beneficiary's care, support
and education; (5) to a custodian for the beneficiary under the Uniform Gifts or Transfers to
Minors Act. My Executor as trustee shall have with respect to each share or property so retained
all the powers and discretions conferred upon it as Executor,
AR TICLE X
Definition of Children. For purposes of this Will, "children" means the lawful blood
descendants in the first degree of the parent designated; and "issue" and "descendants" mean the
lawful blood descendants in any degree of the ancestor designated; provided, however, that if a
person has been adopted, that person shall be considered a child of such adopting parent and such
adopted child and his or her issue shall be considered as issue of the adopting parent or parents
(~. p,k7
Page 4
".
and of anyone who is by blood or adoption an ancestor of the adopting parent or either of the
adopting parents. The terms "child," "children," "issue," "descendant" and "descendants" or
those terms preceded by the terms "living" or "then living" shall include the lawful blood
descendant in the first degree ofthe parent designated even though such descendant is born after
the death of such parent.
The term "per stirpes" as used herein has the identical meaning as the term "taking by
representation" as defined in the Pennsylvania Probate, Estates and Fiduciaries Code.
AR TICI JE XI
Statement hy Testatrix ofTntent Not to Exercise Power of Appointment. I hereby refrain
from exercising any power of appointment that I may have at the time of my death.
ARTICLE XII
Simultaneous Death Provision Presuming Beneficiary Predeceases Testatrix. If any
beneficiary and I should die under such circumstances as would make it doubtful whether the
beneficiary or I died first, then it shall be conclusively presumed for the purposes of this Will that
the beneficiary predeceased me.
Testimonium Clause. IN WITNESS WHEREOF, I have hereunto set my hand and
affixed my seal this ~ day of October, 1998.
~ ~ ,'vtL~
CATHLEEN J. MAY
(SEAL)
Attestation Clause. The foregoing Will was this 1t.!J day of October, 1998, signed,
sealed, published and declared by the Testatrix as and for her Last Will and Testament in our
presence, and we, at her request and in her presence, and in the presence of each other, have
hereunto subscribed our es as witnesses on the above date.
of 415 Fa11owfie1d Road, Camp Hill. PA 17011
LA-.; ~ ~ --=- of 415 Fa11owfie1d Road. Camp Hill. PA 17011
~r ftr. <RJ-'-;} of 210 Walnut Street. Harrisburg. PA 17108
Page 5
. .
PROOF OF WILL
COMMONWEALTH OF
PENNSYLVANIA
)
) Self-Proving Affidavit
)
COUNTY OF CUMBERLAND
We, CATHLEEN 1. MAY, and Wayne M. Pecht
Shawn W. Weis and Bridget M. Whitley the Testatrix
,
and the witnesses, respectively, whose names are signed to the attached or foregoing 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 that she had signed willingly (or willingly
directed another to sign for her), and that she executed it 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, and in the presence of each other, signed the Will as witness and to the best of our
knowledge the Testatrix was at that time eighteen years of age or older, of sound mind, and
under no constraint or undue influence.
c~12-7'
~tn~ _
_ fJJ~ LA--
./'
-Witness
fiu: !J{. ~
Witness r
Subscribed, sworn to, and acknowledged before me by CATHLEEN J. MAY, the Testatrix and
subscribed and sworn to before me by Wayne M. Pecht
Shawn W. Weis and Bridget M. Whitley
witnesses, this \ lf1~ day of October, 1998.
NOTARIAL SEAL
PATRICIA D. OL YAANIK, Notary Public
Hampden Twp., Cumberland County, PA
My Commission Expires August 27, 2001
. D.
Page 6
E.J. Koppenhaver
. .
FROM: INVOICE
Ed
Koppenhaver Appraisals INVOICE NUMBER
2116 Southpoint Drive 070814Br
Suite B DATE
Hummelstown, PA 17036 8-14-2007
Telephone Number: 717-583-0306 Fa. Number: 717-583-0294
REFERENCE
TO: Inlernel Order #: 070814Br
Lender Case #:
Private Appraisal Cllenl File #:
Main File # on form: 070814 Br
Other File # on form: 070814Br
Telephone Number. Fa. Number: Federal Tax ID: 25-1718810
Allemate Number: E-Mail: Employer ID: 191-46-4978
DESCRIPTION
Lender: J R May Client: Private Appraisai
Purchaser/Borrower: Cathleen May
Property Address: 208 East Main Slreet
City: Shiremanstown
County: Cumberland Stale: P A Zip: 17011-6314
Legal Description: Deed Book 0024C, Page 00971
FEES AMOUNT
Conventional URAR 325.00
SUBTOTAL : 325.00
:
PAYMENTS AMOUNT
Check #: Date: 8-10-2007 Description: 325.00
Check #: Date: Description:
Check #: Date: Description:
SUBTOTAL 325.00
TOTAL DUE $ 0
- - - - - - -- - - - -- - - - - ---- ---- - - - - - - - - - -- - - - - - - - -- - - - - - - - - - - - - - - -- - - - -- - ---
Please Return This Portion With Your Payment
FROM:
Private Appraisal
AMOUNT DUE:
AMOUNT ENCLOSED:
o
Telephone Number:
Mernsle Number:
Fa. Number:
E-Mail:
INVOICE NUMBER
070814Br
DATE
8-14-2007
REFERENCE
Inlemal Order #: 070814Br
Lender Case #:
Client File #:
Main File # on form: 070814Br
Other File # on form: 070814Br
Federal Tax ID: 25-1718810
Employer ID: 191-46-4978
TO:
Ed
Koppenhaver Appraisals
2116 Southpoint Drive
Suite B
Hummelslown, PA 17036
Form NIV1 - 'WinTOTAl' appraisal software by a la mode, Inc. -1-BOO-AlAMODE
IFile No. 0708148[1 Paoe #11
..
APPRAISAL OF REAL PROPERTY
LOCATED AT:
208 East Main Street
Deed Book 0024C, Page 00971
Shiremanstown, PA 17011-6314
FOR:
J R May
AS OF:
8-10-2007
BY:
Rick Sellars, PA Cert Res RE Appraiser
E.J. Koppenhaver
Form GA2 - "WinTOTAL" appraisal software by a la mode, Inc. -l-BOO-ALAMOOE
IFile No. 0708148[1 PaOe#2I
".
Koppenhaver Appraisals
2116 Southpoint Drive
Suite B
Hummelstown, PA 17036
Phone: 717.583.0306
J R May
Re: Property:
Borrower:
File No.:
208 East Main Street
Shiremanstown, PA 17011-6314
Cathleen May
0708148r
In accordance with your request, we have appraised the above referenced property. The report of that appraisal is
attached.
The purpose of this appraisal is to estimate the market value of the property described in this appraisal report, as
improved, in unencumbered fee simple title of ownership.
This report is based on a physical analysis of the site and improvements, a locational analysis of the neighborhood and
city, and an economic analysis of the market for properties such as the sUbject. The appraisal was developed and the
report was prepared in accordance with the Uniform Standards of Professional Appraisal Practice.
The vaiue conclusions reported are as of the effective date stated in the body of the report and contingent upon the
certification and limiting conditions attached.
It has been a pleasure to assist you. Please do not hesitate to contact me or any of my staff if we can be of additional
service to you.
Sincerely,
IFile No. 070814Br1 PaQB#3I
070814Br
. .
UNLIMITED USE LICENSE AGREEMENT
This Unlimited Use License Agreement ("LICENSE") is a legal agreement between you (either an
individual or a single entity, also referred to as ("LICENSEE") and me, the creator ("OWNER") of
this work. This LICENSE is granted to you in consideration of payment of the LICENSE fee and
upon condition that you accept the terms of this LICENSE.
By purchasing this LICENSE, you are granted a non-exclusive, non-transferable LICENSE
as follows:
Unlimited Use. LICENSEE to use and copy the WORK solely or any derivative thereof outside
of your organization for any purpose.
Fee. An additional fee will be applied
Notice. LICENSEE shall include the copyright notice on every copy of the WORK. Unauthorized
use, including copying of this WORK is expressly prohibited unless an Unlimited Use LICENSE is
obtained.
Warranties. OWNER WARRANTS THAT IT OWNS OR HAS THE FULL RIGHT AND
AUTHORITY TO LICENSE THE WORK.
This LICENSE represents the entire understanding between the parties with respect to its subject
matter.
YOU ACKNOWLEDGE THAT YOU HAVE READ THIS AGREEMENT, THAT YOU
UNDERSTAND THIS AGREEMENT, AND UNDERSTAND THAT BY ACCEPTING THIS, BY
LOADING, OR BY PLACING OR COPYING THE WORK ONTO YOUR COMPUTER HARD
DRIVE, YOU AGREE TO BE BOUND BY THIS AGREEMENT'S TERMS AND CONDITIONS.
FURTHER AGREE THAT, THIS AGREEMENT IS A COMPLETE AND EXCLUSIVE
STATEMENT OF THE RIGHTS AND LIABILITIES OF THE PARTIES.
ALL RIGHTS NOT SPECIFICALLY GRANTED BY THIS LICENSE ARE RESERVED BY
OWNER.
By not purchasing this LICENSE, you shall receive a Restricted Use License ("RESTRICTED USE'? to
use my WORK at no additionalfee.
RESTRICTED Use - to use and copy the WORK solely for purposes of managing the loan associated with
this WORK. The lenderlclient specified in this appraisal report may distribute the report to: the
borrower; another lender at the request of the borrower; the mortgagee or its successors and assigns
for servicing said loan; and/or to all lenders in your organization to use the WORK and to sell said
WORK as a package with the loan as intended.
Limitations on Restricted Use
LICENSEE shall use the WORK only for the purposes setforth in Section above. LICENSEE shall not
Reproduce the WORK in copies or electronic form;
Prepare a Derivative work based upon the WORK;
Distribute copies of the WORK by sale or other tran~fer of ownership, or by rental, lease, or lendinr:;
in any form electronic, paper, or otherwise. This includes Internet application or Software
application unless specified in this Aweement, includinr: in any third party proprietary format,
unless providedfor in this Aweement;
Allow endusers to resell the WORK or a derivation, or to resell data or services which are derived
from the WORK.
Form L1CAGR - 'WinTOTAL" appraisal software by a la mode, Inc. -l-BOO-ALAMODE
E.J. Koppenhaver
IEile No. 070814Srl PaD' #41
. .
Summary Appraisal Report
Uniform Residential Appraisal Report
070814Br
File # 070814Br
The purpose 01 this summary appraisal report is to provide the lender/client wllh an accurate, and adequately supported, opinion of the market vaiue of the subject property.
Property Address 208 East Main Street City Shlremanstown State PA ZiD Code 17011-6314
Borrower Cathleen Mav Owner of Public Record Cathleen Mav County Cumberland
Leoal Descrlotion Deed Book D024C Paoe 00971
Assessor's Parcel # 37-23-0555-214 Tax Vear 2007 R.E. Taxes $ 1 552.00
NeiohborllOod Name Borouoh of Shlremanstown Map Reference HbQ.Metro 2847 G 5 Census Tract 0112.00
Occupant tRI Owner I I Tenant I I Vacant Speciai Assessments $ N/A n PUD HOA $ N/A n Der vear r l oer month
" Prooertv Rlohts Aooraised 15<1 Fee Slmpie [J Leasehold [J Other (describe)
Asslonment Tvoe rl Purchase Transaction n Refinance Transaction ~ Other (describe) Private appraisal for home owner.
Lender/Client J R Mav Address
Is the subject property currentiy offered for sale or has It been offered for sale In the twelve months prior to the effective date of this aooraisal? rl Ves IZI No
Report data source(s) used, offering prlce(s), and daters). Owner and local MLS
10 did ~ did not analyze the contract for sale for the subject purchase transaction. Explain the resulls of the analysis 01 the contract for saie or why the analysis was not
I oerlormed. There Is currentlv no aoreement of sale oendino on the sub'ect orooertv.
Contract Price $ N/A Date 01 Contract N/A Is Ihe property seller the owner of public record? C><:J Ves No Data Source(s} Countv Records
. Is there any financial assistance (loan charges, sale concessions, gm or downpayment assistance, etc.) to be paid by any party on behalf of the borrower? OVes IZI No
If Ves, report the total dollar amount and describe the lIems to be paid. N/A
Note: Race and the racial composition of the neighborhood are not appraisal factors.
Neighborhood Characteristics One-Unit Housing Trends OneCUnlt Housing Present Land Use %
Location r l Urban ~ Suburban o Rural Property Values ~ Increasing [J Stable [J Declining PRICE AGE One-Unll 70 %
_ Buill.Uo 15<1 Over 75% n 25-75% n Under 25% Demand/SuDolv r l Shortaoe IZIln Balance r lOver Supply $ roOO1 (vrs) 2-4 Unit 5%
: Growth r l RaDid tRI Stable n Slow Marketino Time r I Under 3 mths IZI 3-6 mths 11 Over 6 mths 80 Low 30 Multi.Familv %
, Nelohborhood Boundaries MSA.# 3240. The nelohborhood Is bounded on the east bv Sl. Johns Rd. on 250 Hloh 100+ Commercial 25 %
~ the west bv Ruoo Ave. on the north bv Park Sl. on the south bv Walnut Sl. 150 Pred. 80+- Other %
Nelohborhood DescrlDtion The sublect is located in the Borouah of Shlremanstown Cumberland County. PA. The nelnhborhood consists of a
comeatlble mix of mostlv older attached and detached 1 and 2 stOry homes of varvina aualltv intermixed with some small town commercial
establishments and some rental orooertles. All amenities are convenient to the sublect orooertv.
Market Conditions (including support for the above conclusions) General marketina conditions In the area are rated as nood as the date of this annraisa!.
Tvoicalloan discounts In the area are one to three ooints and are oenerallv oaid bv the buyer with no particioation from the seller.
Dimensions Per County Records Area 3 485 SoFt ShaDe Rectanoular View Averaoe
Specific Zonlno Classification S-N-C Zonlno Description Seasoned Neiohborhood Commercial { SF Allowed Use \
Zonino CDmollance 15<1 Leoal n Leoal Nonconforming (Grandfathered Use) [J No Zoning 0 Illegal (describe)
Is the highest and best use of SUbject property as improved (or as proposed per plans and specifications) the present use? IZI Ves o No If No, describe
Utlllfles Public Other (describe) Public Other (describe) Off-site Improvements - Type Public Private
Electrlcllv IZI n Water IZI 0 Street Asphalt ~ rl
Gas rl n None Sanllarv Sewer 15<1 n Ailev Asohalt IZI rl
FEMA Special Flood Hazard Area I I Ves [XJ No FEMA Fiood Zone C FEMA Map # 4203690001A FEMA Man Date 1/5/1979
Are the utilities and off.slle Improvements typical for the market area? rx:J Ves [J No If No, describe
Are there anv adverse site condlllons or external factors (easements, encroachments, environmental condllions, iand uses, etc.)? [ l Ves 15<1 No If Ves, describe
General Descrlpllon Foundation Exterior Description materlals/condhlon Interior materials/condition
Unlls 15<1 One n One with Accessorv Unit l Concrete Slab tRI Crawl Space Foundation Walls Stone/Averane Roors CaroeWlnvl/Ava.
# 01 Stories 2.5 I Full Basement C><:J Partial Basement Exterior Walls Alumlnum/Averaoe Walls Plaster/Pan/Ava.
TVDe n Det. n Att. 15<1 S-DetJEnd Unll Basement Area 750 sO.ft. Roof Surtace AsohaltShlno/Avo. T rlmjRnish Colonial/Avo.
. tRI Existino n Prooosed 0 Under Const. Basement Finish 0 % Gutters & Downspouts Alumlnum/Avn. Bath Floor CaroeVAva.
Deslon (Stvle) 2.5 StOry 1 Outside Entrv/Exit o Sump Pump Window Type Double Hunn/Avn. Bath Wainscot Flberalass/Ava.
Vear Buill 1900 Evidence of n Infestation Storm SaSh/Insulated Thermoeane/Avo. Car Storaoe n None
Effective Age (Vrs) 20 o Dampness o Settlement Screens Yes tRI Drlvewav # of Cars 1 Car
Attic None Heatlno FWA IIXI HWBB II Radiant Amenllies Woodstove(s) # Drivewav Surtace Asohalt
l DrOD Stair [XJ Stairs o Other IFuel Oil J Rreplace(s) # I j Fence fXI Garaae # 01 Cars 1 Car
1rx:J Fioor o Scuttle Cooling [l Central Air Condllloning 2<J Patio/Deck C><:J Parch Enclosed l Carport #o1Cars
~ Rnlshed o Heated ~ Individual 10 Other o Pool o Other OAtt. ~Det. o Bullt.ln
;; Appliances ~ Refrigerator ~ Range/Oven ~ Dishwasher 0 Disposal o Microwave o Washer/Dryer o Other (describe)
. Finished area above grade contains: 6 Rooms 2 Bedrooms 2 Bath(s) 1,500 Square Feet of Gross living Area Above Grade
:. Addllional features (special energy efficient lIems, etc.). Older 2.5 stOry semi-detached that has had some updatino but could use some more cosmetic
uodatlno. New furnace newer windows newer kitchen detached 1 car oaraae.
Describe the condition 01 the propertv flncludino needed repairs, deterioration, renovations, remodeling, etc.). There Is no economic obsolescence but there is
some functlonai obsolescence with havlnQ to pass throuqh what would be considered a middle bedroom to qet to the rear bedroom. There are no
Dhvsical inadeauacles and no reDairs are required. The roof aooears to be In oood condition with no evidence of leaks on the interior.
Are there anv phvslcal deficiencies or adverse condlllons that affect the livablllly, soundness, or structurallntegrlly of the property? rl Ves 15<1 No If Ves, describe
Does the property generally conform to the neighborhood (functional utility, style, condition, use, construction, etc.)? ~ Ves 0 No If No, describe
Freddie Mac Form 70 March 2005
Page 1 of 6
Fannie Mae Form 1004 March 200
Form 1004 - 'WInTOTAL" appraisal software by a la mode, Inc. -1-BOO.ALAMOOE
. .
!File No. 070814Brl Paoe #51
There are
There are
Uniform Residential Appraisal Report
070814Br
File# 0708148r
1 comoarable orooerifes currentlv offered for sale In the sublect nelohborhood ranolno In orice from $ 85 000
2 comparable sales In the sublect nelohborhood within the past twelve months ranoino In sale orice from $ 85 000
FEATURE I SUBJECT COMPARABLE SALE # 1 COMPARABLE SALE # 2
Address 208 East Main Street 15 East Green Street 6 Railroad Avenue
Shiremanstown PA 17011-6314 Shiremanstown PA 17011-6314 Shiremanstown PA 17011-6314
Proxlmitv to Sublect 0.14 miles SW 0.1 B miles W
Sale Price $ N/A 1$ 112900
Saie Price/Gross Liv. Area $ so.n. $ 73.36 so.n.1 $ 61.12 so.n.
Data Sourcels) MLS Aooraisers Insoection
Verification Source(s) Countv Records County Records
VALUE ADJUSTMENTS DESCRIPTiON DESCRIPTION +1-\ $ Adlustment DESCRIPTION
Sales or Financing FHN13 DOM Conv/10 DOM
Concessions CH $ 3 300 CH $ 3 660
Date of Sale(Tlme 12-13-2006 11-28-2006
Location AveraQe Averaae AverMe
Leasehold/Fee Simole Fee Simole Fee Simole Fee SimDle
Site 3 4B5 SoFt 1 742 SoFt 3087 SoFt
View AveraQe AveraQe AveraQe
Deslpn (Stvle) 2.5 StOry 2.5 StOry 2.5 StOry
Qualitv of Construction Alum/Ava. Alum/Ava, Vinvl/Ava,
Actual Aoe 100+- 100+- 100+-
Condttion Averaae Averaoe Suoerior
Above Grade Total 1 Bdm1s. I Baths TatallBdrrns.1 Baths Total I Bdrrns. I Baths
Room Count 6 I 2 1 2 6 1 3 1 1 +3000 7 1 4 11.5
Gross Living Area 1 500 SO.n. 1 539 SO.n. 0 1 996 SO.n.
Basement & Rnlshed 100% /0% 100% / 0% 100% / 0%
Rooms Below Grade None None None
Functional Utllitv Averaoe SliahtlvSuDerior -2 000 SliohtlvSuoerior
Heating/Cooling OHWRad/None OFWNCentral -3 000 OHWRad/None
Enerov Efficient lIems Thermooanes Storm Units +1 500 Thermooanes
Garage/Carpon 1 Car Detached Off Street +3000 Off Street
Porch/Patlo!Deck EncPor/Deck EncPor/Porch 2Porches/Balc
N~ N~ ~M
N~ N~ ~M
N~ N~ ~M
. Net Adjustment IT otal) LXI + 0 - $ 2 500 0 + [8J - $
Adjusted Sale Price Net Adj. 2.2 % Net Adj. 10.7 %
of Comparables Gross Adj. 11.1 % $ 115 400 Gross Adj. 17.2 % $
I IX! did I did not research the sale or transfer hlstorv of the sub'ect oro ,env and comoarable sales. iI not, exolain
to$ 135000
to$ 135000
COMPARABLE SALE # 3
306 West Simpson Street
Mechanicsbura, PA 17055
3.38 miles SW
122 000
$
MLS
County Records
DESCRIPTION
FHN44 DOM
CH None
2-16-2007
A veraae
Fee Simole
2614 SoFt
Averaae
2.5 StOry
AsbestShina/A
100+-
-10000 Averaae
Total Bdrms.1 Baths
+1 000 5 2 I 1
-5 000 1 132 SO.ft.
100% / 0%
None
-2 000 Averaae
OFWNNone
Storm Units
+3000 1 Car Detached
2Porches/Balc
None
None
None
-13000 rxJ + I j - $
Net Adj. B.3 %
1 09.000 Gross Adi. B.3 % $
8200
$
87.46 so,ft,
99 000
+I-I $ Adjustment
+ (-) $ Adjustment
+3000
+3700
+1500
107,200
Mv research l did LXI did not reveal any orior sales or transfers of the subiect orooenv for the three years orior to the effective date of this aooralsal.
Oala Source Is County Records
Mv research l did rxJ did not reveal any orior sales or transfers of the comoarable sales for the Year orior to the date of sale of the comparable sale.
Dala Source(s County Records
Reoon the resulls of the research and analvsls at the orior sale or transfer historY at the sublect orooenv and com arable sales (repon additional prior sales on page 3).
ITEM SUBJECT COMPARABLE SALE #1 COMPARABLE SALE #2 COMPARABLE SALE #3
Date of Prior Sale(Transter None In Last None In Last None In Last None In Last
Price of Prior Sale(Transfer 36 Months 12 Months 12 Months 12 Months
Data Sourcels) Co. Records Co. Records Co. Records Co. Records
Effective Date of Data Source/s) 8-15-2007 8-15-2007 8-15-2007 8-15-2007
Analvsls of pnor sale or transfer history of the subject propenv and comparable sales No oriar sale of the subiect orooertv within the last 36 months. No Drior
sale of the comoarables within the last 12 months.
SummarY of Sales Comoanson Aporoach The subiect oroDertv is an older semi-detached home that has had a aood deal of uadatinp but could use some
cosemetic uodalina. There have not been many recent sales in the sub'ect neiahborhood of similar homes. Comoarables 1 and 2 were both similar
older semi-detached homes located in the subiect neiphborhood. Comoarable 2 was a propertv that this aopraiser had insoected and was
considered to be sUDerior to the sub'ect oroDertv. Comoarable 3 was also a 2 bedroom older home located in the Borouah of Mechanicsbura.
Comoarable 4 is a oendina sale located on the same street as the subiect and is do to settle in Seotember. These comoarables establish a ranae of
value for the subiect orooertv.
Indicated Value bv Sales Comparison Approach $ 109,000
Indicated Value by: Sales Comparison Approach $ 109,000 Cost Approach (i1 developed) $ N/A Income Approach (If developed) $ N/A
The direct sale comparison aoproach is considered to be the most accurate method of achievinp fair market value. Insufficient data was available
. to develOP the income aooroach. Anv unauthorized chanaes to this aODralsal after it has been sianed will void the aDoraisal.
. This appraisal is made [8J "as Is", 0 subject to completion per plans and specifications on the basis of a hypothetical condition that the improvements have been
~ completed, 0 subject to the following repairs or alterations on the basis of a hypothetical condition that the repairs or alleratlons have been completed. or 0 subject to the
. following reoulred inspection based on the extraordinary assumption that the condition or deficiency does not require alleration or repair:
;"
Based on a complete vlsuaf Inspection of the Interior and exterior areas 01 the subject property, defined scope 01 work, statement of assumptions and limiting
conditions, and appraiser's certification, my (our) opinion of the market value, as defined, of the real property that Is the subject of this report Is
,. $ 109,000 as of 8-10-2007 which Is the date ot Inspection and the effective date of this appraisal.
Freddie Mac Form 70 March 2005
Page 2 of 6
Form 1004 - "WlnTOTAL" appraisal software by a la mode. Inc. -1-800-ALAMOOE
Fannie Mae Form 1004 March 200
FEATURE I SUBJECT COMPARABLE SALE #4 COMPARABLE SALE # 5 COMPARABLE SALE # 6
Address 208 East Main Street 309 East Main Street
Shiremanstown PA 17011-6314 Shiremanstown PA 17011-6314
Proximltv to SUbject 0.12 miles NE
Sale Price $ N/A 1$ 107 700 $ $
Sale Price/Gross Liv. Area $ sO.ft. $ 79.07 sq.ft.1 $ sa.ft. $ sO.ft.
Data Source(s) MLS
Verification Source(s) listing Agent
VALUE ADJUSTMENTS DESCRIPTION DESCRIPTION +(-) $ Adjustment DESCRIPTION + (-) $ Adjustment DESCRIPTION +(-) $ Adiustment
Sales or Financing Convl7 DOM
Concessions SomeHelo
Date of Sale/Time Pending
Location Averaoe Average
Leasehoid/Fee Simple Fee Simole Fee Simole
Site 3 485 SoFt 3 920 SoFt
View Averaae Averaae
Desion (Style) 2.5 Storv 2.5 Storv
" Quality of Construction Alum/Ava. Stn&Frame/Ava
'. Actual Age 100+- 83
. Condition A veraae SliahtlvSupenor -5 000
: Above Grade T ot~ I Bdrms. i Baths Tot~ I Bdrms.1 Baths Tot~ I Bdrms.1 Baths Tot~ I Bdrms. I Baths
,I Room Count 6 I 2 I 2 6 I 3 I 1 +3 000 I I I I
Gross living Area 1 500 sa.ft. 1362 sq.ft. +1380 sa.ft. sa.ft.
Basement & Finished 100% / 0% 100% / 0%
Rooms Below Grade None None
Functional Utility Averaae SliahtlvSuoerior -2000
Heating/Cooling OHWRad/None OHWRad/None
Energy Efficient Items Thermooanes Storm Units +1500
Garaae/Carport 1 Car Detached 1 Car Detached
Porch/Patio/Deck EncPor/Deck Porch +1000
None None
None None
None None
Net Adlustment (Total [J + iL<J. $ -120 fl + l. $ n+ fl. $
Adjusted Sale Price NetAdj. 0.1 % Net Adj. % Net Adj. %
of Comparables Gross Adj. 12.9 % $ 107.580 Gross Adj. % $ Gross Adj. % $
Report the resuhs of the research and analvsls of the rlor sale or transfer history of the subiect property and co m arable sales report addttional prior sales on paoe 3 .
ITEM SUBJECT COMPARABLE SALE # 4 COMPARABLE SALE # 5 COMPARABLE SALE # 6
Date of Prior SalelTransfer None I n Last None In Last
Price of Prior Sale/Transfer 36 Months 12 Months
~ Data Source!s) Co. Records Co. Records
, Effective Date of Data Source(s) 8-15-2007 8-15-2007
Analvsls of prior sale or transfer history of the subiect property and comparable sales
Analvsis/Comments This 4th comoarable is due to settle at the end of Seotember. It is also somewhat dated but has a nood deal of natural woodwork
and hardwood floors. It is considered to be sliahtiv superior overall.
a
. .
Freddie Mac Form 70 March 2005
lFile No. 070814Brl Paae #101
Uniform Residential Appraisal Report
0708148r
FlleH 0708148r
Fannie Mae Form 1004 March 2005
Form 1004.(AC) - -WinTOTAL" appraisal software by a la mode, Inc. -1-800-ALAMODE
IFile ND. 070814Brl Paoe #61
The comoarabies sale mices ranae from $ 99 000 to $ 122000.
The comoarables nrice ner SnFt ranne from $ 61.12 to $ B7.46.
The adiusted sales nrices ranne from $ 107 200 to ~ 115 400.
The aooraised value of the sub'ect nronertv falls within the comoarables sales or/ces. orice oer SaFt and adiusted sales orices.
.
~
.
.
.
COST APPROACH TO VALUE (not required by Fannie Mae)
Provide adeouate informatiDn for the lender/client to reollcate the below cost floures and calculations.
Suoport for the ooinion of s~e value Isummarv of comDarable land sales Of other methDds for estlmatino s~e value) The cost annroach is nat cansldered a valid
method of achievina fair market value for the sub'ect nronertv There were no comnarable land sales in this well-established neinhborhood to
orovide an accurate estimate of site value.
ESTIMATED rl REPRODUCTION OR 1'1 REPLACEMENT COST NEW OPINION OF SITE VALUE u..u.. "',uuU""""uu....u.u -$
~ Source Df CDst data DWELLING So.Ft @ $ -$
Quality ratino from cost service Effective date of cost data SoH.@$ -$
~ Comments on Cost AooroachlOross Iivlno area calculations, deoreciation, etc.) =$
, The cast aooroach is not considered a valid method of achievina fair Garaoe/Carnort So.Ft.@$ ...... =$
~ market value for the sub'ect nronertv and was not used in this aoora/sal. Total Estimate of Cost.New =$
Less Physical I Functional I Extemal
Depreciation I I =$1 ,
Deoreciated CDst o1lmorovements =$
'As-Is" Value 01 S~e ImorDvements ..... ............ =$
Estimated Remaining ECDnDmic LnelHUD and VA onlv) 40 Yeaffi INDICATED VALUE BY COSTAPPROACH . ........... .................. ...u... -$
INCOME APPROACH TO VALUE (not required by Fannie Mae)
. Estimated MDnthlv Market Rent $ X GrDss Rent Multloller -$ Indicated Vaiue bv IncDme Aooroach
Summarv 01 Income Aoornach(lncludino SUOODrt for market rent and GRM)
PROJECT INFORMATION FOR PUDs (If sppllcable)
Is the develooer!bullder in cDntrol of the HomeDwners' Association IHOAI? r l Yes 0 No Unn type(s) I I Detached I Attached
Provide the following Information for PUDs ONLY if the develooer!bullder Is In control of the HOA and the sublect property is an attached dwellinD unit.
Leoal Name 01 Project
~ Total number 01 phases Total number of unns T oIal number of units sold
_ Total number 01 unns rented T Dtal number 01 unns fDr sale Data source(s)
Was the project created bv the conversion of ex/stino bulldlnols\ Into a PUD? n Yes rl No If Yes, date 01 conversion. i
~ Does the project contain any multi-dwelling unns? 0 Yes 0 No Data Source
Are the unns, common elements, and recreation facllnies comDlete? n Yes n No If No, describe the status of comoletion.
"
Are the CDmmDn elements leased tD or bv the HDmeowners' Association? rl Yes rl No if Yes, describe the rentll terms and ontions.
Describe common elements and recreational facilities.
,-
Uniform Residential Appraisal Report
0708148r
F1leN 070B148r
. .
Freddie Mac Form 70 March 2005
Page 3 of 6
Fannie Mae Form 1004 March 2005
Form 1004 - 'WlnTOTAL' appraisal software by a la mode, inc. -1-800-ALAMODE
!File No. 070B14Brl Paoe #71
Uniform Residential Appraisal Report
070B14Br
File # 070B14Br
'.
This report form is designed to report an appraisai of a one-unit property or a one-unit property with an accessory unit;
including a unit in a planned unit development (PUD). This report form is not designed to report an appraisal of a
manufactured home or a unit in a condominium or cooperative project.
This appraisal report is subject to the following scope of work, intended use, intended user, definition of market value,
statement of assumptions and limiting conditions, and certifications. Modifications, additions, or deletions to the intended
use, intended user, definition of market value, or assumptions and limiting conditions are not permitted. The appraiser may
expand the scope of work to include any additional research or analysis necessary based on the complexity of this appraisal
assignment. Modifications or deletions to the certifications are also not permitted. However, additional certifications that do
not constitute material alterations to this appraisal report, such as those required by law or those related to the appraiser's
continuing education or membership in an appraisal organization, are permitted.
SCOPE OF WORK: The scope of work for this appraisal is defined by the complexity of this appraisal assignment and the
reporting requirements of this appraisal report form, including the following definition of market value, statement of
assumptions and limiting conditions, and certifications. The appraiser must, at a minimum: (1) perform a complete visual
inspection of the interior and exterior areas of the subject property, (2) inspect the neighborhood, (3) inspect each of the
comparable sales from at least the street, (4) research, verify, and anaiyze data from reliable pUblic and/or private sources,
and (5) report his or her analysis, opinions, and conclusions in this appraisal report.
INTENDED USE: The intended use of this appraisal report is for the lender/client to evaluate the property that is the
subject of this appraisal for a mortgage finance transaction.
INTENDED USER: The intended user of this appraisal report is the lender/client.
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 or she considers his or her own best interest; (3) a
reasonable time is allowed for exposure in the open market; (4) payment is made in terms of cash in U. S. dollars or in terms
of financial arrangements comparable thereto: and (5) the price represents the 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 ASSUMPTIONS AND LIMITING CONDITIONS: The appraiser's certification in this report is
subject to the following assumptions and limiting conditions:
1. The appraiser will not be responsible for matters of a legal nature that affect either the property being appraised or the title
to it, except for information that he or she became aware of during the research involved in performing this appraisal. The
appraiser assumes that the title is good and marketable and will not render any opinions about the title.
2. The appraiser has provided a sketch in this appraisal report to show the approximate dimensions of the Improvements.
The sketch is included only to assist the reader in VisualiZing the property and understanding the appraiser's determination
of its size.
3. The appraiser has examined the available flood maps that are provided by the Federal Emergency Management Agency
(or other data sources) and has noted in this appraisal report whether any portion of the subject site is located in an
identified Special 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 h.e or she made an appraisal of the property in question,
unless specific arrangements to do so have been made beforehand, or as otherwise required by law.
5. The appraiser has noted in this appraisal report any adverse conditions (such as needed repairs, deterioration, the
presence of hazardous wastes, toxic substances, etc.) observed during the inspection of the subject property or that he or
she became aware of during the research involved in performing the appraisal. Unless otherwise stated in this appraisal
report, the appraiser has no knowledge of any hidden or unapparent physical deficiencies or adverse conditions of the
property (such as, but not limited to, needed repairs, deterioration, the presence of hazardous wastes, toxic substances,
adverse environmental conditions, etc.) that would make the property less valuable, and has assumed that there are no such
conditions and makes no guarantees or warranties, express or implied. The appraiser will not be responsible for any such
conditions that do exist or for any engineering or testing that might be required to discover whether such conditions exist.
Because the appraiser is not an expert in the field of environmental hazards, this appraisal report must not be considered as
an environmental assessment of the property.
6. The appraiser has based his or her appraisal report and valuation conclusion for an appraisal that is subject to satisfactory
compietion, repairs, or alterations on the assumption that the completion, repairs, or alterations of the subject property will
be performed in a professional manner.
Freddie Mac Form 70 March 2005
Page 4 of6
Fannie Mae Form 1004 March 200
Fonnl004 - "Win TOTAL" appraisal software by a la mode, Inc. -1.BOQ.ALAMOOE
IFile No, 0708148rl Paoe #81
Uniform Residential Appraisal Report
070814Br
File # 070814Br
. .
APPRAISER'S CERTIFICATION: The Appraiser certifies and agrees that:
1, I have, at a minimum, developed and reported this appraisal in accordance with the scope of work requirements stated In
this appraisal report,
2, I pertormed a complete visual inspection of the interior and exterior areas of the subject property, I reported the condition
of the improvements in factual, specific terms, I identified and reported the physical deficiencies that could affect the
livability, soundness, or structural integrity of the property,
3, I pertormed this appraisal in accordance with the requirements of the Uniform Standards of Professional Appraisal
Practice that were adopted and promulgated by the Appraisal Standards Board of The Appraisal Foundation and that were in
place at the time this appraisal report was prepared,
4, I developed my opinion of the market value of the real property that is the subject of this report based on the sales
comparison approach to value, I have adequate comparable market data to develop a reliabie sales comparison approach
for this appraisal assignment. I further certify that I considered the cost and income approaches to value but did not develop
them, unless otherwise indicated in this report,
5, I researched, verified, analyzed, and reported on any current agreement for sale for the subject property, any offering for
sale of the subject property in the twelve months prior to the effective date of this appraisal, and the prior sales of the subject
property for a minimum of three years prior to the effective date of this appraisal, unless otherwise indicated in this report,
6, I researched, verified, analyzed, and reported on the prior sales of the comparable sales for a minimum of one year prior
to the date of sale of the comparable sale, unless otherwise indicated in this report,
7, I selected and used comparable sales that are location ally, physically, and functionally the most similar to the subject property.
8. I have not used comparable sales that were the result of combining a land sale with the contract purchase price of a home that
has been built or will be built on the land.
9. I have reported adjustments to the comparable sales that reflect the market's reaction to the differences between the subject
property and the comparable sales. -
10. I verified, from a disinterested source, all information in this report that was provided by parties who have a financial interest in
the sale or financing of the subject property.
11. I have knowledge and experience in appraising this type of property in this market area.
12. I am aware of, and have access to, the necessary and appropriate public and private data sources, such as multiple listing
services, tax assessment records, public land records and other such data sources for the area in which the property is located.
13. I obtained the information, estimates, and opinions furnished by other parties and expressed in this appraisal report from
reliable sources that I believe to be true and correct.
14, I have taken into consideration the factors that have an impact on value with respect to the subject neighborhood, subject
property, and the proximity of the subject property to adverse influences in the development of my opinion of market value. I
have noted in this appraisal report any adverse conditions (such as, but not limited to, needed repairs, deterioration, the
presence of hazardous wastes, toxic substances, adverse environmental conditions, etc.) observed during the inspection of the
subject property or that I became aware of during the research invoived in pertorming this appraisal. I have considered these
adverse conditions in my analysis of the property value, and have reported on the effect of the conditions on the value and
marketability of the subject property.
15. I have not knowingly withheld any significant information from this appraisal report and, to the best of my knowledge, all
statements and information in this appraisal report are true and correct.
16, I stated in this appraisal report my own personal, unbiased, and professional analysis, opinions, and conclusions, which
are subject only to the assumptions and limiting conditions in this appraisal report.
17, I have no present or prospective interest in the property that is the subject of this report, and I have no present or
prospective personal Interest or bias with respect to the participants in the transaction. I did not base, either partially or
completely, my analysis and/or opinion of market value in this appraisal report on the race, coior, religion, sex, age, marital
status, handicap, familial status, or national origin of either the prospective owners or occupants of the subject property or of the
present owners or occupants of the properties in the vicinity of the subject property or on any other basis prohibited by law,
18. My employment and/or compensation for pertorming this appraisal or any future or anticipated appraisals was not
conditioned on any agreement or understanding, written or otherwise, that I would report (or present analysis supporting) a
predetermined specific value, a predetermined minimum value, a range or direction in value, a vaiue that favors the cause of
any party, or the attainment of a specific result or occurrence of a specific subsequent event (such as approval of a pending
mortgage loan application),
19, I personally prepared all conclusions and opinions about the real estate that were set forth in this appraisal report. If I
relied on significant real property appraisal assistance from any individual or individuals in the pertormance of this appraisal
or the preparation of this appraisal report, I have named such individual(s) and disclosed the specific tasks pertormed in this
appraisal report. I certify that any individual so named is qualified to pertorm the tasks. I have not authorized anyone to make
a change to any item in this appraisal report; therefore, any change made to this appraisal is unauthorized and I will take no
responsibility for it.
20, I identified the lender/client in this appraisal report who is the individual, organization, or agent for the organization that
ordered and will receive this appraisal report.
Freddie Mac FOI1l1 70 March 2005
Page 5 of 6
Fannie Mae Form 1004 March 2005
Form 1004 - "WlnTOTAL' appraisal software by a la mode, Inc, -1-BOO-ALAMODE
lFile No. 0708148rl Pace #91
. .
Uniform Residential Appraisal Report
070814Br
Rle# 070814Br
21. The lender/client may disclose or distribute this appraisal report to: the borrower; another lender at the request of the
borrower; the mortgagee or its successors and assigns; mortgage insurers; govemment sponsored enterprises; other
secondary market participants; data collection or reporting services; professional appraisal organizations; any department,
agency, or instrumentality of the United States; and any state, the District of Columbia, or other jurisdictions; without having to
obtain the appraiser's or supervisory appraiser's (if applicable) consent. Such consent must be obtained before this appraisal
report may be disclosed or distributed to any other party (including, but not limited to, the public through advertising, public
relations, news, sales, or other media).
22. I am aware that any disclosure or distribution of this appraisal report by me or the lender/client may be subject to certain
laws and regulations. Further, I am also subject to the provisions of the Uniform Standards of Professional Appraisal Practice
that pertain to disclosure or distribution by me.
23. The borrower, another lender at the request of the borrower, the mortgagee or its successors and assigns, mortgage
insurers, government sponsored enterprises, and other secondary market participants may rely on this appraisal report as part
of any mortgage finance transaction that involves anyone or more of these parties.
24. If this appraisal report was transmitted as an "electronic record" containing my "electronic signature," as those ternns are
defined in applicable federal and/or state laws (excluding audio and video recordings), or a facsimile transmission of this
appraisal report containing a copy or representation of my signature, the appraisal report shall be as effective, enforceable and
valid as if a paper version of this appraisal report were delivered containing my original hand written signature.
25. Any intentional or negligent misrepresentation(s) contained in this appraisal report may result in civil liability and/or
criminal penalties including, but not limited to, fine or imprisonment or both under the provisions of Title 18, United States
Code, Section 1001, et seq., or similar state laws.
SUPERVISORY APPRAISER'S CERTIFICATION: The Supervisory Appraiser certifies and agrees that:
1. I directly supervised the appraiser for this appraisal assignment, have read the appraisal report, and agree with the appraiser's
analysis, opinions, statements, conclusions, and the appraiser's certification.
2. I accept full responsibility for the contimts of this appraisal report including, but not limited to, the appraiser's analysis, opinions,
statements, conclusions, and the appraiser's certification.
3. The appraiser identified in this appraisal report is either a sub-contractor or an employee of the supervisory appraiser (or the
appraisal firm), is qualified to perform this appraisal, and is acceptable to perfornn this appraisal under the applicable state law.
4. This appraisal report complies 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 at the time this appraisal
report was prepared.
5. If this appraisal report was transmitted as an "electronic record" containing my "electronic signature," as those terms are
defined in applicable federal and/or state laws (excluding audio and video recordings), or a facsimile transmission of this
appraisal report containing a copy or representation of my signature, the appraisal report shall be as effective, enforceable and
valid as if a paper version of this appraisal report were delivered containing my original hand written signature.
APPRAISER
Signature
Name Rick Sella s
Company Name Ko enhaver A raisals
Company Address 2116 Southpoinl Dr. Suite B, Hummelstown. PA
17036-8799
Telephone Number (717) 583-0306
Emaii Addressrick(!ilbestappraisers.com
Date of Signature and Report AUQust 17. 2007
Effective Date of Appraisal 8-10-2007
State Certification # RL001908L
or State License #
or Other (describe) State #
State PA
Expiration Date of Certification or License 6/3012009
Signature
Name Ed K
Company N e Koppenhaver Appraisals
Company Address 2116 South point Drive, Suite B, Hummelstown.
PA 17036
Telephone Number (717) 583-0306
Email Addressed(!ilbestappraisers.com
Date of Signature AUQust 17,2007
State Certification # RL001154L
or State License #
State PA
Expiration Date of Certification or License 6/30/2009
SUBJECT PROPERTY
ADDRESS OF PROPERTY APPRAISED
208 East Main Street
Shiremanstown. PA 17011-6314
APPRAISED VALUE OF SUBJECT PROPERTY $
LENDER/CLIENT
Name
Company Name J R May
Company Address
109,000
[gJ Did not inspect subject property
o Did inspect exterior of subject property from street
Date of Inspection
o Did inspect interior and exterior of subject property
Date of Inspection
COMPARABLE SALES
Email Address
[gJ Did not inspect exterior of comparable sales from street
o Did inspect exterior of comparabie sales from street
Date of Inspection
Freddie Mac Form 70 March 2005
Page 6 of 6
Fannie Mae Form 1004 March 20(
Form 1004 - 'WinTOTAL" appraisal software by a la mode, inc -1-800-ALAMOOE
IFile No. 070814Srl Paoe #111
. .
MULTH'URPOSE SUPPLEMENTAL ADDto.,.DUM
FOR FEDERALLY RELATED TRANSACTIONS
E.J. Koppenhaver
Borrower/Client Cathleen Mav
Prooertv Address 208 East Main Street
City Shiremanstown Countv Cumberland State PA Zip Code 17011-6314
Lender J R Mav
This Mu~-Purpose Supplemental Addendum for Federally Related Transactions was designed to provide the appraiser with a convenient way to comply with the current
appraisal standards and requirements ot the Federal Deposlllnsurance Corporation (FDIC), the Office of the Comptroller of Currency (OCC), The Office of Thrtft
Supervision (OTS), the Resolu~on Trust Corporation (RTC), and the Federal Reserve.
This Multi-Purpose Supplemental Addendum Is for use with any appraisal. Only those
statements which have been checked by the appraiser apply to the property being appraised.
[gJ PURPOSE & FUNCTION OF APPRAISAL
The purpose of the appraisal Is to estimate the market value of the subject property as defined herein. The function of the appraisal is to assist the above-named
Lender In evaluating the subject property for lending purposes. This Is a federally related transaction.
[gJ EXTENT OF APPRAISAL PROCESS
[gJ The appraisal Is based on the infonmation gathered by the appraiser from public records, other identified sources, Inspection of the subject property and
neighborhood, and selection of comparable sales within the subject market area. The original source of the comparables Is shown In the Data Source sec~on
of the market grid along with the source of confinmation, II available. The original source Is presented first The sources and data are considered reliable.
When conflicting Infonmation was provided, the source deemed most reliable has been used. Data believed to be unreliable was not Included In the reporl nor
used as a basis for the value conclusion.
[gJ The Reproduction Cost is based on Marshall and Swift Valuation Service and Local Marl<et Values
supplemented by the appraiser's knowledge of the local market
[gJ Physical depreciation is based on the estimated effective age 01 the subject property. Functional and/or extemal depreciation, II present, is specifically
addressed in the appraisal report or other addenda. In estimating the slle value, the appraiser has relied on personal knowledge of the local market This
knowledge is based on prior and/or current analysis of slle sales and/or abstraction of site values from sales of Improved propemes.
[gJ The subjecl property is located in an area of primarily owner-occupied single family residences and the Income Approach is not considered to be meaningful.
For this reason, the Income Approach was nol used.
D The Estimated Mar1<et Rent and Gross Rent Multiplier utilized in the Income Approach are based on the appraiser's knowledge of the subject market area.
The rental knowledge Is based on prior and/or current rental rate surveys of residential propemes. The Gross Rent Mulllpller is based on prior and/or current
analysis of prices and market rates for residential properties.
[gJ For Income producing properties, actual rents, vacancies and expenses have been reported and analyzed. They have been used to project future rents,
vacancies and expenses.
[gJ SUBJECT PROPERTY OFFERING INFORMATION
According to Owner the subject property:
[gJ has not been offered for sale in the past: D 30 days D 1 year D 3 years.
D is currentiy offered for sale for $
D I'lilSJlflml! for sale wllhin the past: D 30 days D 1 year D 3 years for $
D Offering Infonmation was considered in the final reconciliation of value.
D Offering Information was not considered In the final reconciliation of value.
D Offering information was not available. The reasons for unavailablllly and fhe steps taken by the appraiser are explained later In this addendum.
[gJ SALES HISTORY OF SUBJECT PROPERTY
According to Cumbriand Co Tax Assessment Office the subject property:
[gJ Has not transferred D In the past Iwelve months. D in the past thirty-six months. [gJ In the past 5 years.
D Has transferred D in fhe pasf Iwelve months. D In fhe past thirty-six months. D In the past 5 years.
[gJ All prior sales which have occurred In the past 5 are listed below and reconciled to the appraised value, ellher In the body of the report or In the addenda.
Date Sales Price Document :# Sener Bll'ler
[gJ FEMA FLOOD HAZARD DATA
[gJ Subject property ~ In a FEMA Special Flood Hazard Area.
D Subject property ~ In a FEMA Special Flood Hazard Area.
I Zone FEMA MeplPenel # Map Date Name of Communlt, I
C 4203690001 A 1/5/1979 Borouah of Shiremanstown
D The communlly does not participate in the National Flood Insurance Program.
[gJ The communlly does participate in the National Rood Insurance Program.
[gJ It Is covered by a reullIar program.
D It is covered by an ~ program.
Page1of2
Form MPA3 - "WinTOTAL" appraisal software by a la mode, inc. -l-BOO-ALAMOOE
IFile No. 070B14Br' Paoe #121
e.
I:8J CURRENT SALES CONTRACT
I:8J The subject property is currently not under contract.
D The contract and/or escrow instructions were not available for review. The unavailability 01 the contract Is explained later In the addenda section.
D The contract and/or escrow instructions were reviewed. The following summarizes the contract:
Contract Date Amendment Date
Contract Price Seller
D The contract Indicated that personal property was not included in the sale.
D The contract indicated that personal property~. II consisted of
I:8J
D
D
D
D
Estimated contrtbutory value Is $
o
Personal property was not included In the final value estimate.
Personal property ~ in the final value estimate.
The contract Indicated no financlno concessions or other Incentives.
The contract indicated the followln9 concessions or incentives:
II concessions or Incentives exist, the comparables were checked for similar concessions and appropriate adjustments were made, II applicable, so
that the final value conclusion is in compliance with the Market Value defined herein.
I:8J MARKET OVERVIEW
Include an explanation of current market condlllona and trends.
0-5 months is considered a reasonable marketing period for the subject property based on Comparable Sales
I:8J ADDITIONAL CERTIFICATION
The Appraiser certllies and agrees that:
(1) The analyses, opinions and conclusions were developed, and this report was prepared, in conformlly with the Unllorm Standards of Professional
Appraisal Practice ('USPAP"), except that the Departure Provision of the US PAP does not apply.
(2) Their compensation Is not contingent upon the reporting 01 predetermined value or direction In value that favors the cause of the client. the amount
01 the value estimate, the attainment of a stipulated result, or the occurrence of a subsequent event.
(3) This appraisal assignmem was not based on a requested minimum valualion, a specific valuation, or the approval of a loan.
I:8J ADDITIONAL (ENVIRONMENTAL) LIMITING CONDITIONS
The value eslimated Is based on the assumption that the property Is not negatively affected by the existence of hazardous substances or detrimental
environmental conditions unless otherwise stated in this report. The appraiser Is not an expert in the Identification of hazardous substances or detrimental
environmental condlllons. The appraiser's routine Inspeclion of and inquiries about the subject property did not develop any Information that Indicated
any apparent significant hazardous substances or detrimental environmental condilions which would affect the property negatively unless otherwise stated
in this report. Ills possible that tests and Inspeclions made by a qualified hazardous substance and environmental expert would reveal the existence of
hazardous substances or detrimental environmental condi1ions on or around the property that would negativeiy affect Its value.
D ADDITIONAL COMMENTS
I:8J APPRAISER'S SIGNATURE & LICENSE/CERTIFICATION
Appraiser's Signature
Appraiser's Name (print) Ric
State PA D License
Date Prepared AUQust 17, 2007
Phone # (717) 583-0306
Tax 10 # 25-1718810
I:8J CO-SIGNING APPRAISER'S CERTIFICATION
D The co-signing appraiser has personally inspected the subject property, both inside and out, and has made an exterior inspection of all comparable sales
listed in the report. The report was prepared by the appraiser under direct supervision of the co-signing appraiser. The co-signing appraiser accepts
responsibility for the contems of the report including the value conclusions and the Iimtting conditions, and confirms that the certtticartons apply
fully to the co-signing appraiser.
I:8J The co-signing appraiser has not personally inspected the interior of the subject property and:
I:8J has not Inspected the exterior of the subject property and all comparable sales listed In the report.
D ~ the extenor of the subject property and all comparable sales listed in the report.
I:8J The report was prepared by the appraiser under direct supervision of fhe co-signing appraiser. The co-signing appraiser accepts responsibility for the
contents of the report, including the value conclusions and the IImtting condttions, and confirms that the certifications apply fully to the co-signing
appraiser with the exception of the certification regarding physical Inspections. The above des'cribes the level of Inspection pertormed by the
co-signing appraiser.
D The co-signing appraiser's level of Inspection, involvement in the appraisal process and certllication are covered elsewhere in the addenda section
of this appraisal.
I:8J CO-SIGNING APPRAISER'S SIGNATURE & LICENSE/CERTIFICATION
Co-Si~nlng
Appraiser's Signature
Co-Signing Appraise s Na
State PA
Effective Date 8-10-2007
(print) Ed Koppenhaver, PA State Cert. RE Appra
License I:8J Certiflcarton # RL001154L
Date Prepared AUQust17, 2007
Phone # (717) 583-0306
Tax ID # 25-1718810
Page 2 ot 2
Form MPA3 - "WinTDTAl" appraisal software by a la mode, Inc. -l-BOO-AlAMODE
!File No. 0708148rl Pape #131
Borrower/Client Cathleen Mav
Prooertv Address 208 East Main Street
CItv Shiremanstown County Cumberland State PA ZinCode 17011-6314
Lender J R Mav
..upplemental Addendum
File No 070814Br
. .
THIS REPORT IS FOR LENDER/CLIENT OR ASSIGNS FOR MORTGAGE FINANCING ONLY
THE DIGITAL SIGNATURE CONTAINED IN THIS REPORT IS THE SCANNED IMAGE OF AN ACTUAL
SIGNATURE AND IS PASSWORD PROTECTED. IT IS TO BE TREATED AS AN ACTUAL SIGNATURE.
INFORMATION CONCERNING ZONING WAS OBTAINED FROM LOCAL MUNICIPAL AND COUNTY ZONING
OFFICERS.
INFORMATION CONCERNING MORTGAGE TYPE AND SELLER COST HELP ON COMPARABLE
PROPERTIES WAS OBTAINED FROM AREA MULTI-LIST SERVICES AND LISTING AGENTS. IN SOME
CASES, WHERE COST HELP IS NOT LISTED ON MULTI-LIST SHEETS, AREA AGENTS CONSIDER COST
HELP INFORMATION TO BE CONFIDENTIAL AND WOULD NOT PROVIDE THIS INFORMATION TO THE
APPRAISER.
THE SUBJECT IS OVER THIRTY YEARS OLD BUT HAS BEEN MODERNIZED AS NECESSARY AND IS
MARKETABLE IN ITS PRESENT CONDITION.
IT IS NOTED THAT COMPARABLES NUMBER 1,2,3 OCCURRED MORE THAN SIX MONTHS AGO. THESE
COM PARABLES WERE USED DUE TO THE LACK OF SIMILAR COM PARABLES CLOSING WITHIN THE SIX
MONTH TIME FRAME AND ARE THE BEST TO ACCURATELY REFLECT THE MARKET VALUE OF THE
SUBJECT PROPERTY.
COM PARABLES NUMBER 2,3,4 VARY IN PRICE PER SQUARE FOOT BY MORE THAN $10.00 PER
SQUARE FOOT. THESE COM PARABLES WERE USED BECAUSE THEY BEST REPRESENT THE MARKET
VALUE AND MARKETABILITY OF THE SUBJECT. NO BETTER COMPARABLES WERE AVAILABLE FOR
USE IN THIS APPRAISAL.
ALL COM PARABLES ARE VERIFIED SOLD AND SETTLED PROPERTIES.
Signature
Name Ed Ko
Date Signed A 2007
State ~ State Cert~ication # RL001154L
State Or State License #
Signature
Name Rick Sellars
Date Signed AUQust 17, 2 7
State Certification # RL001908L
Or State License #
State ~
State
Form TADD2 - "WinTOTAL' appraisal software by a la mode, Inc. -1-80Q-ALAMODE
;
'.
Subject Photo Page
IFile No. 0708146rl Paae #141
Borrower/Client Cathleen Mav
Property Address 206 East Main Street
Citv Shiremanstown County Cumberland State PA Zi Code 17011-6314
lender J R Mav
Subject Front
208 East Main Street
Sales Price N/A
Gross living Area 1 ,500
Total Rooms 6
T atal Bedrooms 2
T otalBaihrooms 2
location Average
View Average
Stte 3,4B5 SqFt
Quality Alum/Avg.
Age 100+-
Subject Rear
Subject Street
Form PIC3x5.SR - "WlnTOTAl" appraisal software by a la mode, Inc. -1-8DD-AlAMODE
. .
Subject Photo Page
IFile No. 070814Brl Pao~
Borrower/Client Cathleen Mav
Property Address 20B East Main Street
City Shiremanstown County Cumberland Stale PA Zip Code 17011-6314
Lender J R Mav
I
Subject Front
208 East Main Street
Sales Price NI A
Gross Living Area 1,500
T alai Roams 6
T alai Bedrooms 2
Total Bathrooms 2
Location Average
View Average
S~e 3,485 SqFt
Quality Alum/Avg.
Age 100+-
Subject Rear
Subject Street
form PIC3x5.SR - "WinTOTAL' appraisal software by a la mode, inc. -1-800-ALAMODE
. .
Subject Photo Page
IFile No. 0708148rrPaOe#161
Borrower/Client Cathleen Mav
Prooertv Address 208 East Main Street
CItv Shiremanstown County Cumberland State P A Zlo Code 17011-6314
Lender J R Mav
Subject Garage
208 East Main Street
Sales Price N/A
Gross Living Area 1,500
Total Rooms 6
Total Bedrooms 2
Total Bathrooms 2
Location Average
VIew Average
Site 3,485 SqFt
Ouality Alum/Avg.
Age 100+-
Form PIC3x5.SR - "WinTOTAL" appraisal software by a la mode, inc. -1-800-ALAMOOE
'.
Subject Interior Photo Page
!HIe No. 070814B[1 Paoe #171
Borrower/Client Cathleen May --
Prooertv Address 208 East Main Street
CItv Shiremanstown County Cumberland State P A Zlo Code 17011-6314
Lender J R May
Subject Interior
208 East Main Street
Sales Price N/A
Gross Living Area 1 ,500
T alai Rooms 6
Total Bedrooms 2
Total Bathrooms 2
Location Average
View Average
Slie 3,485 SqFt
Quality Alum/Avg.
Age 100+-
Subject Interior
Subject Interior
Form PiC3x5.s1- 'WlnTOTAL" appraisal software by a la mode, inc. -1-800-ALAMOOE
. .
Subject Interior Photo Page
IFile No. 070814Brl ~
Borrower/Client Cathleen Mav
Pronertv Address 208 East Main Street
City Shiremanstown County Cumberland State PA Zio Code 17011-6314
Lender J R Mav
.~IU
~ ~
, "
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II' ~ ~ (
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Subject Interior
208 East Main Street
Sales Price N/A
Gross Living Area 1 ,500
Total Rooms 6
Total Bedrooms 2
Total Bathrooms 2
Location Average
View Average
Stte 3,485 SqFt
Quality Alum/Avg.
Age 1 00+-
Subject Interior
Subject Interior
Form PIC3xS.SI- 'WinTOTAL' appraisal software by a la mode, Inc. -1-BOO-ALAMODE
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Subject Interior Photo Page
IFile No. 070814BrI Paoe #191
Borrower/Client Cathleen Mav
Prooertv Address 208 East Main Street
City Shiremanstown County Cumberland State P A Zio Code 17011-6314
Lender J R Mav
Subject Interior
208 East Main Street
Sales Price N/A
Gross living Area 1,500
Total Rooms 6
T alai Bedrooms 2
Total Bathrooms 2
Location Average
View Average
Stte 3,485 SqFt
Quality Alum/Avg.
Age 100+-
Subject Interior
Subject Interior
Form PiC3x5.SI- 'WinTOTAL' appraisal software by a la mode, inc. -1-800-ALAMOOE
o.
Comparable Photo Page
IFile No. 070814Brl Pace #201
Borrower/Client Cathleen Mav
Prooertv Address 20B East Main Street
City Shiremanstown County Cumberland State PA lio Code 17011-6314
Lender J R Mav
Comparable 1
15 East Green Street
Prox. to Subject 0.14 miles SW
Sales Prlce 112,900
Gross Living Area 1,539
Total Rooms 6
Total Bedrooms 3
T ctal Bathrooms 1
Location Average
View Average
Site 1,742SqFt
Quality Alum/Avg.
Age 100+-
Comparable 2
6 Railroad Avenue
Prox. to Subject O. 1B miles W
Sales Price 122,000
Gross Living Area 1 ,996
Total Rooms 7
Total Bedrooms 4
Total Bathrooms 1 .5
Location Average
View Average
Site 3,087 SqFt
Quality Vinyl/Avg.
Age 1 00+-
Comparable 3
3Q6 West Simpson Street
Prox. to Subject 3.38 miles SW
Sales Prlce 99,000
Gross Living Area 1,132
Total Rooms 5
Total Bedrooms 2
Total Bathrooms 1
Location Average
View Average
Site 2,614 SqFt
Quality AsbestShing/A
Age 100+-
Form PIC3x5.CR - "WinTOTAL' appraisal software by a la mode, Inc. -1-80Q-ALAMOQE
. .
Comparable Photo Page
IFile No. 070814Brl Paoe #211
Borrower/Client Cathleen May
Prooertv Address 208 East Main Street
City Shiremanstown County Cumberland Slate PA Zip Code 17011-6314
Lender J R Mav
Comparable 4
309 East Main Street
Prox. to Subject 0.12 miles NE
Sales Price 107,700
Gross Uvlng Area 1,362
Total Rooms 6
T olal Bedrooms 3
T olal Bathrooms 1
Location Average
View Average
Stte 3,920 SqFt
Quality Stn&Frame/Avg
Age B3
Comparable 5
Prox. to Subject
Sales Price
Gross Uvlng Area
T olal Rooms
Tolal Bedrooms
T olal Bathrooms
Location
View
SUe
Quality
Age
Comparable 6
Prox. to Subject
Sales Price
Gross living Area
T olal Rooms
Total Bedrooms
Total Bathrooms
Location
View
Stte
Quality
Age
Form PIC3x5.CR - 'WinTOTAL" appraisal software by a la mode, inc. -1-800.ALAMODE
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tEIZI' . jjl'
,~---- I
!~:'rt ! ,IJIIJ---
......... ~. -. , .
Uv Rm Dim 14x19
Din Rm Dim l2x13
KItchen Dim 9x18
Fam Rm Dim
Den Dim
M BR Dim
801 Dim
802 Dim
803 Dim
BD4 Dim
BD 5 Dim
Sunroom
Laundry R...
~e11
~e11
~e11
14x17
~e12
12.6><13.6 ~e1 2
llx17 ~e1 2
~e11
~e11
Tax 1525 Tax Year 2006
Squa.... Ft Source Plbllc Records
Condo Fee
IFile No, 070814Brl Paoe #221
Comparable Multilist # 1
Page 1 of 1
MlStI~
$112,900
15 E Green Street
Shlremanstown
Dev
CIa.. Residential/Farm Type Semi-Detached
SOld
LIat Price
Addrea
CIty
Area 6
County Cumberiand
Design Townhouse
tI Bdrms 3
# FP
Wall To Wall Carpet
Wall To Wall Carpet
VInyl Aoortng
Nun Shlremanstown ZIp 17055.3334
Schl Dlst Mechanlcsburg
Associated Document 1 Quick Links:
# Stories 2.5 Story Handicap No m Ii m ~
Baths F 1 H Levels
Po.......on IlSOJSS VIrtual Tour
Bath Ha If Full
Bsmt 0 0
Main 0 0
2nd 0 1
3rd 0 0
Wall To Wall Carpet
Wall To Wall Carpet
Wall To Wall Carpet
Acres Lot 3Ox148 Past Acres TIll Acres
Square Feet Above Grade 13~ FInished Squ.... FMt Below Grade +1.
Fee Frequency Adult Community No W........nty No Year Built +/- 1875
Const
Ext
Roof
Appl
Ext Faa
Equip
Dining
Parking
Cool
Amen
H.at
Misc. Rms
Assoc Amen
Aux Heat
Basement
ubllc View
.marks
Frame, Stlcl< Built Wtr / Swr
Aluminum Lot Sz
Asphalt/Aberglass Lot Deac
Dishwasher, Range-Elec Age
OUtside UghUng, Patio, Patlo, Covered, StDrm Doors, Exist, 5"d Fmtg
CeIling Fan Use
Eat-ln Kltl:hen, Formal Dining Room Out Bldg
OIT Street Parking Bam Type
Central Air Barn Ind
Public Transportation Fm Equl p
Forced AIr, 011 Fence
Four Season Room, Laundry Room Electric arcult Breakers, 100 Amps
Oce Owner
Zoning Resldentlal
Concrete Aoor, Flill, lnterlor Access, Unfinished Avail Flnc Conventional, Cash
Well showing half double In bore of Shlremanstown. Central air, fumace less than 2 years old. Covered side patio and enclosed side
porch. Nice deep lot with off street parldng. Shed stays. Lock Box on back door.
Dlr 5 RT 15 to Slate Hili exit L at Stop. Go on Locust tfll making Lon E Green to home on rtllht
LIsting Type Exduslve Right Under Const No Est Comp Date
Owner Owner Ph
Show Call Ust OIfIce, Lockbox Lock Box CPML
LO RE/MAX REALlY PROFESSIONAI.OIfIce (717) 652-4700 1250 N MOUNTAIN RD, SU
LA RlOi SNYDER (717) 564.2074 FTlJrch@paonline.com
LA2 LA3
Selling Offtce RE/MAX REALlY ASSOClA TESelII ng Agent JAMIE FRY
Contract Date 10/22/20()CIoslng Date 12/13/20~nc RiA DOM 13 Sold Price $112,900
Information provided Is deemed reliable but not guaranteed,
ant
marks
:lIe mI.fnismls.eom/P
PublIc Sewer, Public Water
Less Than V. Ac-
Oear, ~el
51+ Years
Munldpal Road
Update Date
SAC 0
BAC 3
HARRISBURG, PA 17112
12/14/2006
nc
OAC
Sell.- Help as Cast 3300.0
SelI.r Help Repairs 0.00
08/1512007 01: 18 PM CST
=10.,. 8/1512007
Form SCNLGL - "WinTOTAL" appraisal software by a la mode, Inc, -1-800-ALAMODE
".
~8i4Brl Pace #231
Comparable Multilist # 2
Page I of 1
Llv Rm Dim 13'5X15'5
Din Rm Dim 12'4X12'2
K1tehen Dim 9'3X14'3
Fern Rm Dim
Den Dim
M BR Dim
BD,1 Dim
BD2 Dim
BD3 Dim
BD4 Dim
BD 5 Dim
Den
loft
Sold
LIst Price
Adde_
City
"""e6
County Cumberland
Design Traditional
"Bdcms 4
MLS /I ~ C1e..
$119,900
6 RAIlROAD AVENUE
Shlremanstown
Dev
Residential/Farm Type Semi-DetaChed
Levell
Level 1
Levell
#FP
Wood Aoor
Wood Aoor
Vinyl Flooring
Mun Shlremanstown Zip 17011
Schl Dlst MeChanlcsburg
Assocl_d Document 1 Quick Unks:
"Stories 3 StOl'( HendlCllp r:l ii GlIr'
Beths F 1 H 1 Levels
Posseulon SETTLEMENT Vlrtuel Tour
13'6X15'4 Level 2
Bath Half Full
Bsmt 0 0
Haln 1 0
2nd 0 1
3rd 0 0
13'8X9'5
g8X14'6
13X147
Level 2
Level 3
Level 3
Wall To Wall Caepet
Vinyl Aooring, Cathedral/Vaultl!d Celllng
6'2X9'6
glX12'3
Level 2
Level 3
Tax 1650 TlIX Yeae 2006 Au.. Lot Paot Acl'8S nil Aues
Square Ft Source ONner Square Feet Above Grad. 1906 Finished $qu.... FMt B.low Grade +/-
Condo Fe. FH Frequency Adult Community Wan-anty Year Bultt +/- 1865
Die E/MAlN ST., L/RAILROAD.
LIsting Type E><cluslve Right Undee Const No Est Comp Dete
Owner Owner Ph
Show Call List omce, Lockbox Lock Box CPML
LO RE{MAX REALlY ASSOCiATES -!Office (717) 591-9100 161 OLD SCHOOLHOUSE L
LA OONNA FLEETWOOD (717) 591-2215 donnalleetwood@hotmall.com
LA2 LA3
Selling omce lliE HOMESTEAD GROUP R8Selllng Agent M. SUZffiE KOSTJAL
ContCllCt Dete 10{27{200Closlng Dete 11{28/20lJ'lnc Conventl.. DOM 10 Sold P....ce $122,000
Information provided Is deemed reliable but not guaranteed,
Conot
Ext
Roof
Appl
I!xt: Fe.
Equip
Dining
Parking
Cool
Amen
Heat
Misc. Rms
Assoc Amen
Aux Heat
Basement
ublle View
em.rks
Wte/Swe Pubic Sewer, Public Water
Lot S%
Lot Desc Level
Age 51+ Years
Rd Fentg
Use
Out Bldg Wood Shed
Bem Type
BIII"l1 Ind
Fm !quip
Fence
!1ectri c 200 + Amps
OCC Owner
Zonl ng Resldentlal
Unllnlshed Avail Flnc Cohvenllonal, Cash
CHARMING 3 STORY ATTACHED HOME WITH LOTS OF SPACE. HARDWOOD FLOORS IN LV,DR. NEWER CABINETS IN EAT IN
KITCHEN. BACK PORCH REMODB.fD INTO MUD ROOM, PANTRY AND 1{2 BAlli. THIRD FLOOR HAS LOFT AREA AND 2 ADDmONAL
8EDRooMS. 2ND FLOOR HAS 2 BRS AND OFFICE(DEN WITH OOOR TO SIDE BALCONY. COVERED REAR PATIO. FENCED REAR YARD
STORAGE SHED. REPLACEMENT WINDOWS. FRONT PORCH WILL HAVE NEW DECK POSTS.
Frame
Vinyl
Metal
DIsposal, Refrigerator, Washer, Dryer, Range-Elee
Balcony, PaUo, Covered
Ceiling Fan
Eat-In Klll:hen
Off Street Parldng
WindoW Units
Parte, I'laygmund
Bectric, Oil, Steam
Den
ALL APPLlANCES STAY. 1ST FLOOR AC STAYS, 2ND FLOOR RESVD. DECORATIVE SHELVING RESERVED.
Update Date
SAC 3
HAC 3
MECHANlCSBU RG, PA 17055
11{29/2006
TLC
OAC
SelI.-lIIIIp a. Coot 3519,31
Sellee Help Repalcs 0.00
lJl{lS/2007 01:18 PM CST
=10... 8/1512007
://C ml.fuismls.com/P
Form SCNLGL - 'WinTOTAL" appraisal so1tware by a la mode, Inc. -1-800-ALAMODE
IFile No. 070814Brl Pace #241
o.
Comparable Multilist # 3
Page 1 of!
Uv Rm Dim 13.5xI2.5
Din Rm Dim 9.7xI4.3
latchen Dim 9x15.5
Fem Rm Dim
Den Dim
M BR Dim
801 Dim
BD2 Dim
803 Dim
804 Dim
BD 5 Dim
....undry Ro...
Sold MLS #I ~ aa.. Residential/Farm Type Semi-Detached
List Prlce $99,000
Add...... 306 W Simpson Street
aty Mechanlcsburg Mun Mechanlcsburg Zip 17055
Area 6 Dev Schl Dlst Mechanlcsburg
County Cumberland Assocl.ted D"cument 1 Quick Unks.
Design Townhouse # Stories 2.5 SlDry HandlCBp G 0 GJ ~
#I Bdnns 2 Baths F 1 H 0 Levels
# FP 0 PoaeuIon Settlement VIrtual Tour
Cellln9 Fans, Wall To Wall Carpet
CeIling Fans, Wall To Wall Carpet
CeIling Fans, Vinyl Flooring
Bath Half Full
Bsmt 0 0
Main 0 0
2nd 0 1
3rd 0 0
!..eYeI 1
!..eYell
!..eYeI 1
U.5x13.5 Level 2
CeIling Fans, Wall To Wall Carpet
9x14
!..eYeI 2
CeIling Fans, Wall To Wall Carpet
!..eYeI 1
T.x U96 Tax Vear 2006
Squ.... Ft Source Pltlllc Records
Condo Fee
Acres 0.06 Lot P.st Acres 1111 Acres
Square Feet Above Grade 1132 Finished Square Feet Below O,.d. 0 +/-
Fee Frequency Adult C..mmunlty W."..nty Vear Built +/- 1850
Const
Ext
Roof
Appl
Ext Faa
Equip
Dining
P.rklng
C....I
Amen
Heat
MIsc. Rms
Assoc Amen
Aux Hellt
BllSement
ubllc View
.marks
Wtr jSwr Pubic Sewer, Public Water
Lot Sz Less Than V. Ac
Lot base
Age
Rd Frntg
Use
Out Bldg
Bam Type
BIIl'I1 Ind
Fm Equip
Fence
Electric 100 Amps
Occ ORner
Z..nlng Residential
Concrete Roar, Exterior Iv;;t;;ess, Full Avall Flnc Conventional, VA, FHA, Cash
Cozy townhome In Mechanlcsburg Boroogh. This 1182 sq ft. Home Consists of 2 Bedrooms, Full bath &. 1 car garage. Upgrades
Indude: K~chen, roof &. Fumace (rull tank of 011 $800). Appraised Recently for $115,000. Home was Pre-inspected with No Major
Raws.
Frame, Stick Built
Other
Asphalt/Rberglass
Dishwasher, Range-Elec
Balcony, Porch
Smoke Detectors, Cable Ready
Eat-In Klb:hen, Formal Dining Room
1 Car Garage
None
51+ Years
Forced Air, 011
lllundry Room
ent 0111 listing offlce Combo Lockbox
emaries
Dlr From Camp Hili, Take Trlndle Rd. to Main 5t., L!York,R/Slmpson.
listing Type Exdusive Right Under Const No Est Comp Date
Owner Owner Ph
Sh..w 0111 List OffIce, Lockbox Lock B..x mmbo
LO RElMAX A-I REALTY OffIce (717) 432-1436 126 W HARRISBURG STRE
LA GEORGE HOLEVAS (717) 379-7520 gholevas@ptr:l.net
LA2 LA3
Selling omce STRAUB 80. ASSOOATES REASalllng Ag.nt GtEG BROWN
Contract Data 1/4/2007 aoslng Date 2116/2007Rnc RiA DOM 44 Sold Price $99,000
Information provided Is deemed reliable but not guaranteed.
Update Date
SAC 2.5
SAC 2.5
DILLSBURG, PA 17019
2/16/2007
TLC 0
OAC 2.5
s.ller Halp a. Cost 0.00
Saller Halp Rapalrs 0.00
00/151200701:15 PM CST
://c mI.fnismls.com/P
=10... 8/15/2007
Form SCNLGL - "WinTDTAL" appraisal software by a la mode, Inc. -1.800-ALAMODE
f ; .S-'t - -\3~;
i . :\::. ~\
! ~~~~:fJC~:~; i~~
Uv Rm Dim 15.13
Din Rm Dim 16X13
KItchen Dim lSXll
Fam Rm Dim
Den Dim
M BR Dim
BDl Dim
BD2 Dim
BD3 Dim
BD4 Dim
BD 5 Dim
Levell
Level 1
Level 1
13X12
Level 2
Level 2
Level 2
13X 12
11X9.1
Tax 1200 Tax Vear 2007
Square Ft Source Plbllc Records
Condo Fee
IFile No. 0708148rl Paoe #251
Comparable Multillst # 4
Page 1 of 1
MLSiI~
$107,700
309 E Main Street
Shlremanstown
Dev
Cia.. Residential/Farm Type Attached
Pending
List Price
Addr...
City
Area 6
County Cumberland
Design Traditional
# Bd""s 3
11 FP
Wall To Wall Carpet
Wood Roor
Tray Ceiling
Mun Shlremanstown Zip 17011
SeIII Dlst Mechanlcsburg
Associated Document 1 Qu Ide Un ks:
11 Stories 2.S StDty Handicap G1 ii GI ~
Baths F 1 H 0 Levels
Poueulon!l!ttlement VIrtual Taur
Balh Half Full
Bsmt 0 0
Main 0 0
2nd 0 1
3rd 0 0
Wood Roor
Wood Roor
Wood Roor
Acres Lot Past Acres Till Acres
Square Feet Above Grade 1362 Finished Square F_t Below Grade +/-
Fee Frequency Adult Community WafTSnty No Vear Built +/- 1924
Conet
Ext
Roof
Appl
Ext Fea
Equip
Dining
Parking
Cool
Amen
Heat
MIsc. Rm.
Assoc Amen
Aux Heat
Basement
ubllc View
emartcs
Wtr/Swr Pubic Sewer, Public Water
Lot k Less Than V. At
Lot Dase
Age
Rd Frntg
Use
OUt Bldg
Barn Type
Barn lnct
FIn Equip
Fence
Electric Orcult Breakers
Oce OWner
Zonl ng Restdentlal
Earth, Exterior Access, Full Avail Fine Conventional, Cash
INVITING FRONT PORCH LEADS TO LR W/NICHES, GREAT DINING ROOM WITH COFFERED BAY WINDOW. . LOTS OF WOOD
FLooRSI OFF STREET PARKING & OLDER GARAGE.
StIck Built
Frame/Wood, Stone
Other
Dishwasher, Range-Elec
Porch
Smoke Detectors, Cable Ready
Country KItchen, Fonnal Dining Room
1 Car Garage, Detached
\I\.lndow Units
Dlr From St Johns take Main St west 1 1/2 blocks on right.
LIsting Type Exduslve Right Under Const No Est Comp Date
Owner Owner Ph
Show Call List amce, lDcI<box Lock Box ",ml
LO JACK GAUGH EN ERA-GAUGl OOice (717) 761-'1800 391S MARKET 5T
LA JOHN TAYLOR (717) 571-5577 john.taytor@jgr.com
LAl LA3
Selling OffIce RE/MAX A-I REALTY Selling Agent CAROL HOGAN
Contract Date 7/25/2007CIos1ng Date B/31/2007F1nc DOM 7 Sold Price
Informatiofl provided Is deemed reI/able but not guarBnteed.
Baseboard, Hot Water, 011
ant
emarks
S1+ Years
Update Date
SAC 3.0N
RAC 3.0N
CAMP Hnl., PA 17011
7(31/2007
TLC 3.0N
OAC
Seller Help Os COlt
Seller Help R........
(8/1S/2OO7 01:17 PM CST
=10... 8/15/2007
Form SCNLGL - 'WinTOTAL' appraisal software by a la mode, Inc. -1-800.ALAMODE
!File No. 070B148rl Paoe #261
..
Building Sketch
Borrower/Client Cathleen Mav
ProperlY Address 208 East Main Street
Cltv Shiremanstown County Cumberland Slate PA llo Code 17011-6314
Lender J R Mav
11.0'
11.0'
Deck
8.0'
Kitchen
Bedroom
"
o
'"
~ Sun Room
N
"
g
Dining
Den
Office
4.0' "
.;
"'
4.0'
Bath
Den
CI
"
.;
N
Living Room
4.0'
"
.;
"'
Bath
DN
"
.;
N
CI
Bedroom
15.0'
15.0'
S~.1c1II1V""""'rv'"
Comments:
AREA CALCULATIONS SUMMARY
LIVING AREA BREAKDOWN
Code
GLAl
GLA2
pip
Description
Firat Floor
Second Floor
Porch
NetSlze
750.0
750.0
184.0
Net Totals
750.0
750.0
184.0
Bre8kdown
Subtotal.
Fi.rat Floor
11.0 x 58.0
4.0 x 28.0
Second Floor
11.0 x 58.0
4.0 x 28.0
638.0
112.0
638.0
112.0
Net LIVABLE Area
(Rounded)
1500
4 Items
(Rounded)
1500
Form SKT.BldSkt - "WlnTOTAL' appraisal software by a la mode, Inc. -1-BOO-ALAMOOE
IFile No, 070B14Bd Paoe #271
..
Flood Map
Borrower/Client Cathleen Mav
Prooertv Address 208 East Main Street
CItv Shiremanstown Countv Cumberland State PA ZiD Code 17011-6314
Lender J R Mav
e
InterFIOOd~","*"
Prepared for:
Ed Koppenhaver, Appraisals
www.lnternood.com . 1-800-252-6633
208 E Main St
Shiremanstown, PA 17011-6314
C!llQ9g.2007 Source Prose and/or FloodSource Corpol"3lions. ~I rights I"t:served. Patents 8.e31 ,326 and 8,878,615. Other patents pending. For In10: in1o@floodsource.com.
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Location Map
Borrower/Client Cathleen Mav
Praoertv Address 208 East Main Street
Cltv Shiremanstown County Cumberland State PA ZID Code 17011-6314
Lender J R Mav
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Department of State
Bureau of Professional and Occupational Affairs
PO Box 2649 HarrisbUl"g PA 17105-2649
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Certificate Type
Ce,-tificotc Status
Certified Residential Appraiser
Active
Initial Certification Date
10/11/1994
RICHARD PATON SELLARS
807 SECOND STREET
NEW CUMBERLAND PA 17070
Certificate
Number
RL00190BL
Expiration Date
06/30/2009
Form seA - 'WinTOTAL" appraisal software by a la mode, Inc. -1-800-ALAMODE
IFile No. 070814Brl Paqe #301
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Certification
Borrower/Client Cathleen Mav
Property Address 208 East Main Street
CItv Shiremanstown Countv Cumberland State PA Zip Code 17011-6314
Lender J R Mav
Commonwealth flf Pl'nns)'lvania
Department of State
Bureau of Professional and Occupational Affairs
PO Box 2649 Harrisblll;: PA 17105-2649
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Certificate Type
Certified Residential Appraiser
Certificate Status
Active
Initial Certification Date
08/05/1992
EDMUND JOHN KOPPENHAVER
2118 SOUTHPOINT DRIVE
HUMMELSTOWN PA 17036
Certificate
Number
RL001154L
Expiration Date
06/30/2009
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Commissioner of Professionlll :md (kCUP3tiol'll1l Aflairs
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E & 0 Certification
Borrower/Client Cathleen Mav
Pronertv Address 208 East Main Street
CIlv Shiremanstown Countli Cumberland State PA Zio Code 17011-6314
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APPRAISAL
Personal Property of CArI1LE~AJ ::5", ffl-y' :l D ~ E., M,fIN Sri SHtRE/Y.4A1STOwN
Appraised by C. H () c:..l-{ f3 fZ ( c. f-{ c R. A U C(I otJ &~ Au 0 tq L+--L ~- 30 - 07
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October 10, 2007
Account # o 191XXXXXX
DANA WIESEMAN
LA W OFFICES OF JOHNSON DUFFIE
PO BOX 109
LEMOYNE, PA 17043-0109
Dear MS WIESEMAN:
The following is the status of CATHLEEN J. MAY's account with PSECU as of the date of death.
Joint Owner's Name
Date of Death
Date of Birth
JOHN R. MAY
08.23.2007
06.28.1914
Share
SOl
S 04
S 07
Description
Regular Shares
Checking
Money Market
Open date
04.28.1994
04.28.1994
05.13.2005
Balance
$ 5.02
$2,096.68
$ 6.65
Accrued Dividend
$0.00
$0.32
$0.00
The dividend earned from January 1, 2007 through the date of death was $49.71. The decedent had no loans with us.
We do not have safe deposit boxes for our members. If you have any questions, please call 234-8484 in Harrisburg
or our toll-free number, (800) 237-7328. At the menu prompt, enter 6 and then extension 2227.
~
Michelle Montgomery . \.J G
Member Service Representative
Finance Support Unit
RECEIVEP
OC1 , 2 2007
JOHNSON. D~~WNE.b
STEWART AND "i-
Pennsylvania State Employees Credit Union
Main Address: 1 Credit Union Place, Harrisburg, PA 17110-2990 . 717.234.8484 . 800.237.7328
. .~.oiILrlg.1\9.9!:13~E.~9:_~Ex.6.7.Q]l!f:19!~~.bLlr~k~ l!l9c,:ZQl :3.:2]2:77 7:?lQ.oJI.oQl..:. .8Q9, 4 72. 1 967 (TOD)
This credit union is federally insured by the National Credit Union Administration. Equal Opportunity lender ~:p~~'~~:~o~'
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September 24, 2007
CO",I7Jerce
eBank
Dana L. Wieseman
Johnson, Duffie, Stewart & Weidner, PC
301 Market St
PO Box 109
Lemoyne, PA 17043
RE: Estate of: Cathleen May
Tax Identification Number: 191-42-8256
Date of Death: August 23, 2007
RECEIVED
SEP = 5 2007
STEJ~~~f~~'o D~~~ER
To Whom It May Concern:
This letter is in reference to decedent account information you requested for the
individual listed above.
We are able to provide the following:
Account Type: Checking
Account Number: 536572704
Date Opened: November 26,2003
Primary Owner: Cathleen May
Secondary Owner: John R. May
Joint Owner (Cathleen May) added December 3,2003
Title change: July 5,2007
Date of Death Balance: $5,221.06
Accrued Interest: $.06
Principal Balance: $5,221.00
Account Type: Ultra MMDA
Account Number: 537860272
Date Opened: July 18, 2007
Primary Owner: Cathleen May
Secondary Owner John R. May
Joint Owner added July 18, 2007
Date of Death Balance: $37,510.34
Accrued Interest: $36.24
Principal Balance: $37,474.10
Please feel free to contact me at (717) 412-6127 if I may be of further assistance.
Sincerely,
c;~~.flJt
Cindy Shultz
Research Associate/Deposit Services
Commerce Bank
Commerce Bank / Harrisburg, N.A.
PO Box 4999
3801 Paxton Street
Harrisburg, PA 17111-0999
commercepc.com
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