HomeMy WebLinkAbout11-27-07
In Re:
: IN THE COURT OF COMMON PLEAS OF
: CUNIBERLAND COUNTY, PENNSYLVANIA
: ORPHANS COURT DIVISION
JOSEPH MEYERHOFER,
() ~
an Incapacitated Person : NO. 21-06- 0624 So =:3
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PETITION TO AUTHORIZE THE SALE OF REAL EST?\;5J ~
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AND NOW, comes Kathy Anthony-Gulden, Petitioner, by and through het~@itteys,~ey
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and Tiley, and makes the following statement in support of her Petition: :i'~ ;.
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1. Petitioner is Kathy Anthony, also known as Kathy Anthony-Gulden, an adult
individual, residing at 161 Liberty Lane, Bendersville, Pennsylvania, a. niece of the Joseph
Meyerhofer.
2. Joseph Meyerhofer was born on August 7, 1926, is 81 years of age. He currently
resides at Claremont Nursing and Rehabilitation Center, 1000 Claremont Road, Carlisle,
Pennsylvania, which is also his mailing address. He has resided at that facility since May 12,
2006. Prior to that date he resided at his home at 54 Greenfield Drive, Carlisle, Pennsylvania.
3. Joseph Meyerhofer is an unremarried widower and has no issue or living siblings.
By his will executed most recently in time prior to the adjudication of incapacity, he left several
bequests to churches and the remainder of his estate to be divided evenly between his brother-in-
law, Paul Bailley, and his sister-in-law, Josephine Meyerhofer.
4. By Decree of Court in the above-captioned matter on August 26, 2006, Joseph
Meyerhofer was found to be totally incapacitated due to dementia and Petitioner was appointed
plenary guardian of his person and estate.
5. Since the entry of the decree the condition of Joseph Meyerhofer has not improved
and has, in fact, deteriorated in a manner consistent with his diagnosis of dementia.
6. Petitioner does not believe that Joseph Meyerhofer's condition will ever improve to
the state that he would be able to return to his home at 54 Greenfield Drive, Carlisle, Pennsylvania.
7. Petitioner has been making expenditures from Joseph Meyer's income and savings
for his care at Claremont Nursing and Rehabilitation Center.
8. Petitioner now believes that it is now necessary and appropriate to sell Joseph
Meyerhofer's residence, being a lot and single-family townhouse in South Middleton Township
Cumberland County, Pennsylvania, having a mailing address of 54 Greenfield Drive, Carlisle,
Pennsylvania, so that additional funds would be available for his continuing care.
9. Petitioner desires to purchase the real estate from Joseph Meyerhofer for the sum of
$170,000.00 which Petitioner believes to be a fair value.
10. Petitioner has obtained a loan commitment to provide financing for the purchase of the
property for $170,000.00 and is able to settle at any time on the purchase.
11. As a part of obtaining a loan commitment for the purchase of the real estate,
Petitioner's lender required that an appraisal be performed. That appraisal, a true and correct copy
of which is attached hereto as Exhibit "A," indicated that current properties in the neighborhood
are offered for sale in a price range between $165,000.00 and $180,000.00 and concluded that the
fair market value of the real estate was $175,000.00.
12. A sale to Petitioner for $170,000.00 has the advantage that it would result in greater
funds available than if the real estate were sold to a third party. The sale to Petitioner can be done
without delay and without a charge to Joseph Meyerhofer of a real estate commission which would
customarily cost $10,500.00, based on the appraised value. A sale at the appraised value to a third
party after listing the property for sale would, therefore, result in net proceeds to Joseph
Meyerhofer of over $5,000.00 less ($175,000.00 - $10,500.00) than what he will receive by
Petitioner's purchase of the property for $170,000.00.
13. The Probate, Estates, and Fiduciaries Code, 20 Pa.C.S.A. 95521, by reference to 20
Pa.C.S.A. g3356, permits a guardian of an incapacitated person to purchase real property
belonging to the estate of the incapacitated person on such terms and conditions as approved by
the Court after notice as directed by the Court.
14. Those persons having an interest in the sale of the real estate are those persons who
would be the heirs of Joseph Meyerhofer, who are being those named as the remainder legatees in
the will executed most recent in time prior to Joseph Meyerhofer being adjudicated incapacitated: a
brother-in-law, Paul Bailley, and a sister-in-law, Josephine Meyerhofer.
15. One of the heirs, Paul Bailley, has indicated his agreement with the terms of sale and
has indicated that he will file his written consent to the sale with the Court.
16. Petitioner desires that an order be entered authorizing the sale to Petitioner of the real
estate at 54 Greenfield Drive for the sale price of $170,000.00 upon notice being given to the
remaining person who would be considered an heir of Joseph Meyerhofer, she being the sister-in-
law, Josephine Meyerhofer, with Rule to show cause why such share should not be authorized.
WHEREFORE, Petitioner requests Your Honorable Court to enter an Order authorizing
Petitioner, as guardian of the estate of Joseph Meyerhofer, to sell the real estate hereinbefore
described to Petitioner in her individual capacity for a sale price of $170,000.00, and that all
persons having an interest be issued a Rule to show cause why such sale should not be authorized.
Respectfully submitted,
Frey & Tiley,
Attorneys for Plaintiff
By:
Robert G. Frey, Esquire Cr-
Supreme Court Number 46397
5 South Hanover Street
Carlisle, Pennsylvania 17013
(717) 243-5838
I verify that the statements made herein are true and correct, based on information known to
me or provided to me and understand that false statements herein are made subject to the penalties
of 18 Pa. C. S. A. ~ 4904 relating to unsworn falsification to authorities.
Dated: 11126/07
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Robert G. Frey
I"'-JV- a:r- aid ( a::l · qtJ'
I-lVHM5 COUNTY NRTICNAL 8K
7173382246 P.01
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APPIIAISAL OF lEAL PROPERTY
LOCAT. AT:
54 GtwenfWd Orilla
DIed 8GOk 130 Page 812
CertiUIl. PA 11016
FOR:
Adams County NatlDn8l8enk
875 Old Han1Iburg Road. GlItI:yIbura, PA 17325
AS OF:
NlMtmber 1,2001
BY:
au.n B. BurIdloldIr, RL-oooe5I-L
SlllIe CertIIBd R8lIIdenDII AppnI'"
1M IrWInCIect UIIt Q(thIs repcrt Is MIms county NatianIJI B
ll1Ia oterad '* " for ftn8nClng purpout OIly.
SUntmafy Format
IECIEDVIe n
a ~5 2fifI U
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ADP.MS COUNTY Ni=lTIONl=lL BK
7173382246
P.02
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Ff'Idde MaG Form 70 MIre" 2005
Paos1oft
FaMie Mae Fonn 1004 MarcIl 2005
Form 1004 - "I'OTAL fa' WIndoWS" _saI softlrl..1Iy III mode.lllC. -1..sm.ALWODE
l'OJ-26-2007 08:49'
ADAMS COUNTY NAT I ONAl BK
r~173382246
P.03
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Unifonn Residential ADPraisal Report
FlIt'110407U
lhnlll 0 ~_-w.._ llII'l8IIIII Clff!nld fat IIIIIl ift tflUlllIect In 1lIIc:II1ram' 185 000 to' 180 000
lIIrt III 3 CGnII'IIil..!f!U!J!.! ~d wItllll1l1e llut lwelf. montII:.i!ii...!.:- nllcllrum S 175.6Ul to S 185Jm
fBTIME ,~ Cli " 1 ~AII.1tI1: .:lA'1: # 2 COMPAIWILE SALE # 3
.... 54 GlWeIllleld DrW 50 Tunbridge LAne 7 Ridgeway DrivII 33 Tunbri:lge Lane
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lltoSulliect '.' . I..".. _:i....._ 10.12 miIM 10.06 m...
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. m:M SU8JI!CT CtJIlAAAllU: SAU: #1
lEal PIiIr SIWTI'IIIIttt 111.MM 8-1ft-02
.1~~~rntPl ,121"'i00 152.000
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lDFARAlU SALE #2 IDPAAAlI SALE ~
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$123:0DO S126Ji]Q
11.07 11-07
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~ 0..." tile foIDwing _IS or a...... 011 tIlIlIaSIs at a IlypaNic:at condIan Ihat Ihe repelS or ~.~VlIIeen collf/8lld, or 0 &dIl8Cl1O the
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IS 'l7ft.UUU .MOf NolMmber 1. '4AJ7 . __ till 4* . __ and Ifte -- _ ,. 11III __
FIIdde Mall form 70 M.wcIl2005
Page 2 ate
Fannfe Mae Form 1004 March 2005
fMn 1004- ~A1. far WiIIIlows" appr... safMrt br a la /IIDde, Inc. - 1~
I'IJV- t!.b-1!XJt1 ( Ial:I : ~ .
ADAMS COUNTY NATIONAL BK
7173'3S2246
P.04
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Uniform Residential ADDralsal Report fie I 110407M
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. . . ....fGtUlt.~to,........... CllIItflaiiiiilind~.
.111I ClIIiIIiM at ..... ~ II CIIIlIlIdbIIIInd _ Of far The lend 1MIo._
was to be .n _.~ ... ill fIJt '~'~bn and llICkftfm
r I R I^' COST NEW (JIM)N IYsm vM.IE...._... .__h_..... as 35 000
=dIfa ~&... - - .- cloIs DWEUNG 1.3..'VI sliJtiiT M.7a _.._..__ ::4 1311WS
fnn CIIt uMce Qaed EII'ltaII.- dMI d GIIIt data 2007 A~.'S _._. as
eaa..CIIlco.t . - ..) PamtJM __...... .s 2607
lID.., --..J ~...:::..- __ '!tJAtaS :M.M _. ..I 9JKlO
conI'ISInI. TDIII EIIII1IiI of ClIsWt!w =, 144.382
HI . PIMtcaI 'lflmCIknI 1 btIIr8I
IIIlD1m 20 S281 I a:$( 20.828)
........--....... '., _... __sol '1~nA
"AI-it VIIu8 of _'_"U" ...-.-. ..--- =$ 18.000
__ Rm8N ECGIDlliI; Lift HJD iIId VAIlIM 60 Yen IIllCAT!DYM.UlIY m AfIIIRlIACH ___ _....-~. __.__.._. at 173.724
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PftMII. ... . iIlfIrmIIIlII far PUOII 011. Y . lie is IA coanl of 118 HOA and \lit II an abcllllfdwtiiiiilint.
a~
TCllllIIIIIbIr at Il - TalII ,.,.. at lIIiIB fDiif I'UIIIItr of II1IIs cliid
T..... 1i fIIr.
.... ,bwh~'of i\t) a PUO? rl YII 1'1.0 liVe&. dallO' ~
till Mlieot COIUi1 .-M1 n.,. [J No Data SalIa
.. -. llDlIIInOI\ IIIImelD.IlId I1CmIIaII faclllles eG1I8IIl81 r -, VII [] No If No. deSCtiIlt thllD of 1'.MIlIIIIm,
111 or IW IQ tbnDInn' AWCidon? n v. ~ No If Yes. ~ilb.IJ1IIl!ItIII!lIII' aM ~.
I'IIlIl!lIIIMIt fldllM. '11we is no tarlhill pun
Freckle Mile Fonn 70 ~ch 2005
Page 3 018
F.,.... Mae form 1004 MIrch 2005
fOml1004 -"IOTA&. for WIndnlI' aporaltIIlllflWaIe by a II mocIe, iltc:. ...::. 1-/1moAlAMOOE
l'f.Jy-ardlJ4r tJt::l;~'
~D~MS COUNTY NI1TIONAL BK
'7173382246 P. 05
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Unifonn Residential ADDralsal Report
,..., 110407M
This rIOOIt fGnn is designed to report an appraisal of a one--unlt property or a one-unit property with an accessory unit;
including a unit in a plaMed unit development (PUD). This repOrt form it not designed to rtport an appraisal gf a
manufaotured home or a unit In a oondominium or cooperative project.
Thll appraISal report Is subject to tN folloWing scope of wor1<. intended UH. in18nded user, deflnlUon of mark8t valUe.
statemn of IIIUR1IJtIonI and ImlIIng condltioils. and certlftcatlons. Modlflcatlons, addillanS. or cJeletiOna to tM Intended
use, Intended user, dettntllan of nwkIt value, or lI8$umptions and limiting condltians are nat permitted. The appraiser may
expand .. leoPl of work to lnolude any additional research or analysis necessary baSed on the campllJdty of this apprajSat
assignment. ModIfIcatiOns or del8lions to the cerlfications Ire also not permittsd. However. additional certifications lIIat do
not Con8dIute mallrlal alt8nd1ona to this appraisal report, such as those required by Jaw 01' those reJated to tilt II'Prailer's
cantInUiI\g educafon or membershiP In an appraisal organization, are permitted.
SCOPE OF WORK: The soope of work for 11111 appraisal Is dtfined by tne comp!eXKY of 1Ili. appraisal ass~ment and the
repartiIg rIQUirWnIIntI of this appraisal report fornI. Including the folowklg deftnltion of mBJ1att value. statement of
assumpacms II1d ItmIIng COIdi1fonI, and certifications. The appraJler must. at a minimum: (1) pertorm a cOl11Pete viaual
InspIC1Ion of 1118 InIIrtor and 8ldIriar areas of the 8ubtler prDfJerty, (2) inspect the nelghbOrttood. (3) Inapect each of 1he
compatible III" from .. least the street. (4) research, vtrIry. and analyze data from 18IlabIe pubDc and/or privats sources,
and (5) lllport hll or her analysis, oplrions. and conclusions In this eppralaal report.
tnENDED USE: The Intended un of this appraiSat repOrt is for the leoder/cient to evaluate the property 1hat 18 the
subJIct of IhIa appraisal for a mortgaGe tt'lance nnsac1lon.
INTENDED USER: The intBnded user of this appraiIaJ rtpol't lithe lender/client
DEFIITION OF MARKET VALUE: The mast probable price WhICh a property Ihould bring In a competlUve and open
mllklt undtr all conditions ,.qui1it8 to a fair 1111, thl buyer and setter. each acting prudently, knoWI8dgeabIy and essumlng
the price II not affecb!d by undue stimulus. Implicit In WI dtfiniliOn is the consummation of a .. II of a IPICi8ed date ana
1h8 paaItg of till flam seller 10 buyer under oondltlon& whar'BbY: (1) buyer and seJJer aPJ typIcaJty mallYltect (2) bath
perIIeS 811 wen infanned or welldVilld, and _h acting in whll he or she considers his or her own best lmernt: (3) a
reasanabll tko. Is alloWed for expa8UI8 in the open market; (4) payment II made In.tIImI of cash In U. S. dcJIar1 or in term.
of flnaaclal arrangements comparable tI\ertto; iIIld (5) tht price represents the normal consideration for the property sotd
unatf8Ct8d by speciaf or creatlvI financing or sales concessions. grantId by anyone MsociaWd wi1h the sale.
*~ to .. comparabl.. must be made for special or oreaiJve financing 01 sales conceaalons. No acJIUstments are
nec8IUfY for tho&e c:osts which n nonnally paid by seln II a r.suIt of tradition or laW In a maric8t area: these cDIfB are
readily IdeIIIifi8bIe aino. 'lt Haer pays th.se costs In Y1rtually all sales lrInsac:tIons. Special Dr creative financInG
adJuI1mlPt& can be made to the comparabe pmptlly by oomparllont to financing wnns offered by a third pIIty Inatllutlonal
IenCIIt' "II is not aIreIdy inVolVed In f18 property or nan88Cllon. Any adjUStl'l'lenl should nor be calcullted Oft a mechanicat
dolar for daIar CG8t of the flnlndng or concession but the daIIar amount of any adjuatmem should appradmate the madcIl's
reaction to the financing or conctlitona baaed on tile appraiser's jUdament.
STAlEMEItT Of ASSUIIPT1ON8 AND UIITIN6 CONDITIONS: The appraiser's cerUfication in this report Is
subtIct to the foIIowinQ ISIUmJIIOns and Iinitlng condillons:
1. lbe appnIiIer wi' not be responstbIe tor matters of I leGal nature that affect either "'t propert)' beinG appraised or the tllte
to If. eceept for intoImdon 1hat he or Ill. became aware of dUrIng 1he research IIWOI\Itd in performing this appralaaf. The
appralAr asaumes lIat tIl. _ IS good and malttfabll and will not l'8I1der any opinion. about the tIIle.
2. TIle apprai$W haI pnMdIId a sketch In thJ8 appraisal I8po11 to Show theapprmdmate dimtnlionl of the impnMJrnanlI.
Th8 &ll8C&:h III included anti to assist the reader in visualiZing the property and undenrlandlng the appraiser's determindOn
at its siB.
3. The appnUlI' haa examined the available flood maps 1hat are provided by the Federal Emergency Management AGency
(or ather _ sources) and hiI& naled . Utls appraisal report WhetJIer any portion of the subject situ Is IocatBd IrI III
IdenWIed SpecIal Flood Hazard AIea. Because the appraiser is not a surveyor. h. or she makeS no guarantees, fIlCpr8$8 or
implied, reaanIfng this dltennlnadon.
4. The apprafser wtII not give testimony Or appear in court because he or she made an appraisal of the property in question.
unllll IIlICIfio arrangements to do H have been made beftJrehand. or u othllWise required by f8W.
5. The IPPQI8Ir baS noted In this 8IlPrI- repoIt any advlf'88 conditions (such .. needed repairs, detetioratIon, the
ptUtl1ct of hlzardaus wastes, toxic substances, etc.) observed during the inspection of the subject prap~ or tIlat he or
she beCame aware or during the nJHWCh InvalYed In performing the apptIisaI. UnleSs orI'lerwise ..d In 1his appraIaaI
report, the ...r has no knDwIIdge crt fIt'/ hidden t:r una~ physical d8t1C/enclaS or advne condItIonI Of me
praperty (1UCh as.. but not flttlibtd to. needed repairs. de1Bf'loradan. the preeenGI! or hazan:taus wattl, tGxic substances.
adVerse enYiranmental condllJonl, IIC.) that would mJke thll property less valuabl8, and has assumed that the" .... 110 such
candltlonl and makeS no gllWlfJlea or warral1Ue&. expre8s or Implied. The appraIler wOI not be IIIponslbJe for any IUch
condIIonI thll do .at Dr far any engineering or testInG that might be required to discover whether such. COI'IditiooI ...
Bee.. the appraiser it not an expert In the field of envtronmental hazarcl.. tNa appraisal report must not be conskJered u
an environmental lII_ment of the property.
6. The apprIIter has based his or her appraisal report and v.'on conctuIian far an appraisal that Ii subject to satlafaclOry
completion, repairs, or -..ans ora the ISlumptlon that 1118 comple1Jon. repairS, or alterations of the subject property wUI
be perfomt8d 1ft I profesaIonaI manner.
FrecIdiI Mac Fonn 70 ft4arch 200S
PaGe4Of6
Fannie Mae Fonn 1004 March 21105
fain 1006- -TOTAl. far __ aprJraisaI softwaI1 by ara mode. iIIc. - l.am-ALAMODE
t-OV-26-~ 1118: 51 '
ADAMS COUNTY NATIONI=lL BK
7173382246 P.06
~
'-"
!1iiiJJ
Uniform Residential Appraisal Report
FIe I 110407M
APPRAJIER'S CERnRCATION: The Appraiser certifies and agrees that:
1. I haVe, al a minimum. developed and reponed this appraisal in accordance witt! the scope Of work requiremenll stated In
this appliiAl cvport.
2. t perfDtmed a compI8I8 visuallnspectiOn of lI1e lnf8rior and mcleriot 8f8U of the subject property. I reported the condition
~ the tmprovemenll 1ft fIctuaJ, specific tenns. I identified and reponed the physical defictencies that could Iffect 1he
1wabMIty, SOUCldness. or SIruOtund Integrity o1111e prqJerty.
3. I ptrfonned ItIIa appraisal In accordaJ1ce w1dl tile requirements of the Uniform standards Of Prof,DiGnal APPI'IiIll
PrICIIc. thIt were adaptDd and promutoated by Ole Appraisal $tanoaras Board Of The Appraisal Foundallon and that were In
pIac. .1111 time thiI appraisal I'IPGrt was pf1fJftd.
4. I devekJped my opinion of 1he marIc8t V8fue of the real property that I. the subject at IhI8 repon baAed on Ifte 881es
comparison ~roach to value. I haVI adeqoalt comparable marker daIa to develop a reliab18 sale& comparison apptOiCh
for thiS ..at USignment. I further ttr1ify !hat I CDnsid.rtd UIt cost and Income apptOlChH to valu. bUt did not devetap
them, unItas otherwlae indicated In this report.
5. I ~ed. Yerified. .....d. and JlPorl8d on any current agre,men!: for saI, for the .ub~ prGperty, any offering tor
IIIe arb subject property it the tweIv8 months prior to the etf.ctN8 data of thl8 appraiaal, IFId the prior s.les of the IUbj&ct
propelty for a rnlrimum of tint years prior to 1I1e effective date of this appraisal. unleSs otherMse ind/QatBd in this .......
&. I raean:hed. vertft8CI. ..... and repoltBd on the prior sales of the comparable 88188 for a minimum at Ofte year Ilrior
fa lilt dati of .. at the comparable sale. unfesI otheJwi&S indloatsd in 1hls rIpOrt.
7. I telecttd WI used camparable sales Ihat are locattonally, physically. and tunutlonaly the most !lmilar to the subject PtOPII1Y.
8. I hav8 not UIId cortIPIIIbI8 sales lIat were the result of aombining a land sal. wl1h the contract purchase price of a home that
has been bU_ or will be bult on the land.
8. I hM reponed ldJ\IS1mentl to 11'1. comparable tales that mteet 1he marlCtf s reaction to the differences bltwetn thl subject
property and the comparable sales.
10. I verified. from a dtainterested sourne. a1llnformatfon In Uris report that was provided by parties WhO have a flnanclallnterest i1
1he sate or ftnancing at the subjeCt property.
11. I have knowledG'. and experience in appraising Ihia type of property in thh~ market JfQ.
12. t am aware oJ. and have aceeu to, th. nec88Sary and appropriate public and private data souroes.such as muldple IstIng
lervlces, fa)( USH$ment recordS. public land reeOf'dland other .uch data sources for the anti in which the PI'OPlrty 18 1ocat8d.
13. I abIIIned the Informadon. 881ImaIu, and opkalon8 furnished by other parties ana 8'XPI'8ssed in thla appral8a1 report from
retilble IOUI'OIS 1hat , beleYe to be true and correct
14. 'haw 1Ibn Into conaldtra1lan 1he faotors that haw an Impact on value wtth respect to tfte subject neighborhood, subject
property. and the ~ of tile subject PMC*tY to adverse influence. in the development of my opinion of milker Ylfu.. I
haY. nOfIId in this appraisal nIpOft any adverse conditions (allch 88. but nm limited .10. needed repaIrS. deterloratfan, the
presence at IIIZardo&tI 'IIaJIaa, tQXicl substances. idYer1e environmemal condllJons. etc.) observed durlpg the Inspection of the
sublect property or that I became aware of during the research Involved In pefformIng tI'Iit appt8itaf. I have conlfdnd theae
...... col1ditiortl it1 my II1lIYIiI Of the property value. and have reported on 1he effect of Ih. COIIIlIlons on the valUe and
nwtcIItabIfty Of the subject pmperty.
15. I haw not knowilgly withheld any signitlcant IntonnaIIon from thll appraJaaJ report and, to the best 01 my Icnowfedge, all
_Imen,s and lnJonnatton In thfl appraisal I1pOIt am true and correct
16. I stltld In this appraisal I1pOrt my own pngnaI. unbiased, and professional analysis. opinions. and concJllsion!. which
81"1 8lIbJ1ct only to thlllSUlllPllanl and limIIIng conditions In !hIS appraisal repClfl
17. I haYt no pteMnt 01 PtVSpective intIIeat In II. JJf'DPII'lY 1I1at Is tile subject at th16 repcn, and J have no present or
prospectIVe pnanallnterest or bias wt1h respect to tile participants in the traPACtion. I cfld not base, .lIhIr P8JClally or
~. my anaIyBis and/or opinion of martet vawe in 11118 appraisal report on the race. color, religion. aex. .. marital
status. handicap. 1amIIIIllfa1Ut, Or national 0JigirJ of eAher the praspective owners or DCCupanli of the subject property or of the
present owners or occupam of 1heproperlles In the VicInity of the SUbject praper1y or Oil '"Y oth.r balls prohibl1ed by law.
18. My empqment _or compensation for ptrfDmdng this appraisal or any furur. or andclpatad apprallall was not
condllfoned on any aarnment or underStanding. wrmen or ot:herwlU, that I woutd repon (ar Pd8*nt analysis IUpgorting) I
~ltd ~ific vMle. I predftmnlned minimum value, a rang. or directIOn In V81u', a value lIIat faVors the cause at
My PIftY. or the aUIinment of a spectftc f8Sull or occurrence Of a specific sul)sequent event (such as &pprgval of a pending
mana. 101ft appIoatiofl).
19. . PIIIORIIIY prlPlfld d concJuslons and opllions about the real estate that were set fal1t\ in this .,.liAl I'IPClrt. If I
relied on ..gnlfIcant real praperty appraisal _stance from any lndIviduaf or individUals In the pertmrnance at this appraisal
Dr II. pnlplratfon of .. appraiIaf report. I bave named such indlVldull(a) IIId d"*'08ed tI, II*lfic 1uks pertonned ~ Ids
IPII1iHI NPOIt. , CIdIfy that any fndlvlduaf 80 named Is quatlfled to pelfonn the tuk5. I have not auIlorlZed anvon. Td Mab
a unange to any 118m In 1hia appraisal report ttlerefore, any change made to tttis appraisal Is unaulhorlzed and I wll fake no
rt$pOll&blty far it
20. I JdenIlffed the lender/Clllnt in tI\ia appraisal report who 1& th, Individual. Drganlzatlon. or a08m for the organiZattcm that
ORtered and WI receiVe this appraisal report.
ffedcIe.. Fonn 70 March 2005
Pag&5of8
fannie MIe Form 1004 Man:h 2006
fOI1II1004 - "fOTAI. fDr Yt'Indows" appraisal software by all MOcIe, i"", - 1.f1lX)..ALAU]!JE
1-(l1,J-26-200? 08: 52 .
ADAMS COUNTY NATIONAL BK
7173362246 P.07
'-'
'-'"
lliiiil
marm eSI Intlal ~PDralsal Report FIe# 110407M
21. The Iel1derldient may disclose or distribute this appraiSal report to: tile borrower. anath8r lender at 1I1e request of the
IlcmJWer, lie mortgagee or lis successors and assigns: mortgage insurers: Cemment sponsored enterprises: other
l8CandlQ marfaIt ~; data coUectlon or reporting services; profess III appraisal organIZatIOns: any department.
aaency, ar InstrumentIIItY Gf 1M united States; and any an, the District of Columbia. or other jurisdiotiQns; without hIVing to
ablIlIn 1ft, appraIIer'l or supeMIory appraIse,'S Of applicable) cansell. Such consent must be obtIlned before this :ralsaJ
report Q1IIJ be ditclosed or cIistrIMed to any other party (including, but nat limitBd to, the public thrOUGh adV8r1lstno. publ
1IIatIaRS, ft8WI, saleS, or ather medIa).
22, I am aware that any diIctoIUre or diltribUtiOn of this appralaal report by me or 1ft. lender/client may b. sublect to certain
_In fIOI,lIadORa. Funtw. I am aIIo sublect to the provisions at the Untform Standards Of Pl'Gfesslonal Apprallal PractICe
IhIl pedIIn to cIacIosure or dlllribulon by me.
23. lJIt barrOWer. anatblr IIndIr It ttIe requat 01 the borrower, the mOl1Q8.Qee or Its suGCesso" and assigns, ~age
il'lSUl8f'S. gcwemmenl IPORIOI'8d ent8rpr1&ea. and atber aecondaIy marlc8r p8rdc1pants may rely on this appraisal report a8 part
of any mor1g8ge .nee transaction 1hat II1YOIVeI any one or men Of 1heSe partIeS.
M. If thI8 appraisIJ report was 1ranSmitled as an .etectnnc record" containinG my "electronic lIIgnature. ,. as thcIe tenna are
ddned In 8PPfiCabIe fldtms and/or SIat8 law, (~ing audio and Yideo ~). or I facsimlll transmllllon of this
appnIsaInJPOR conIIInIna . copy or ftIIPIWsentatICln of my s1gn8Wl"fl, the appralsa report shaD be as effe.. entorceable ad
vaN . If a paper YII'IlGn at thls appraisal report wire dalYered oontalnlng my original hand wr1tI8n signature.
26. ::: lntIn10naI or negligent mlsrepreaentatlOn(l) contaNcl In this appraiSal report may result in civil II8bHIly _or
cnm penal'" Inc:ludtng, bUt naI lmitteI to, &I. or Imprisonment or both under the provisions of TItle 18. United States
Code. 8ectklII1001. et Ieq.. or limlll' MatI laws.
SlIJERVISORY APPRAISER'S CERTFlCATION: The SupeM$O'Y Appraiser cdes and agreeltllt:
1. I diNctIy supervised the appraiSer tor thiS apprajsaI assignment. have read the appraisal report, and agree W1tt11he appI'IIaer'a
analysis. opinions, S1aternents. conclu&ion&. and the appraiser's certlflcaUon.
2. IlCCept full'IIIPOMibIlity for the contenlS of this appraisal report including. but not limited to. the appraW. analYtil. oplnloRl,
statem_, conOluslol1S, and the appraiser's CIftIflcaUcn.
3. The appraiser IdentIfted In thII appraIaaI "port Is ellher a eub-contractDr or an emptoyee of the supelVtlory appraiser (or ItIe
appnMsaI firm), is qualified to perfarm thli appraisal. and Ilacceptab/e to parlonn this appraiaaI under the applicable state law.
4. TbIS ..... report complies wfth lie Untform Standards of Professional Apprall&l PractICe !hat wert adoPled and
prlIJIUIgatId by the Appraisal Sblndna Board of The ApplalsaI Foundallon and that wire In place at the time this appraisal
report wu prepared.
&. If this appralsal repart Will transmlt8d as an "electronic l'IlCord" conta_ my ".18ctran1c 8iQnatwe," as those terms are
dIftftId in appic" federal ".dltJr Slate laws (..,luding audio JIld Ykteo recordings). Of a flcsimile nnlmlufan of 1hls
appr;IIII report containing a copy or f'lPl'UlmatIOn of my scre, the appraIlJat report shall be as etrectiVI. ertorce8bIe and
YIIid 15 if a paper verIion of 1hilapprWlal report WIll del red cODtlinlng my original hand WIilt8n signa11IlI.
APPRAISER SUPERVISORY APPRAISER (ONLY IF REQUtRED)
SIgnatufe 0 Signature ~J::'~
Name SUan~~W Name LarrY ~
CampIfIY NIImt D~ ArxniNl s.w:.. Company Name 0Mrd18d ADen'" s.rw:.
CGmpany Add,". 35 I!. HIah SIIMt. SIe 101.Cad". PA 17013 Company AddreSS 351. Hiah Street. Ste 101.c.&lIIfl, PA 17013
lHtphane NwnbIr 717-2G-27&8 Telephone Numbet 717.2..2758
EmdAddllaS ...~~ Emili AddreSS ~III81com
Daft of Signa(ulf and Report NowImber ... 2tJ07 Dati Gf SIgnature NoII'8111.4. 2007
EffecIve DatI fit Appraisal NcMmbw1.2OO1 State Cenltlcation II GMK)Q014-l
StIlI CtItIItcIIIGn # Rl.oooMQ.L or State Llcense.:#
or SlItt LJcIIIIe # State PA
or Other (de$GJibe) State # expiration Date 01 Certlftcidlon or UCense June 3D 2008
S1atI PA
ExphIIon D8IB of Certllfcatlan or license JuM 30. 2009 SUBJECT PROPERlY
ADDRESS OF PROPERTY APPRAISED !Xl Old not inspeot subject property
154 GIMnIItd DIIIM o Old Inspect exbIrIor of subjeCt properly from street
C8lIII8. PA 110115 Date Of Inspection
APPIW8EO VALUe Of SUBJECT PROPERlY, 175.000 o Old inSpect Interior and exterIOr Gf subject property
LENOERIClIENT Oate Of Inspection
Name COMPARABLE SALES
company Name Adame CounlV NatlDnallank
CamPll1Y AddreaI 875 otcI Harrtstua Raad. GMMbura. PA ~ Old not inspect elCterlOr Of comparable Illes 1rom l1r1et
17325 o Olcl inspect exterior of comparabCt sales from strut
Emal Addr8&s Date of lnal*tion
U 'f
R "d
A
FreddIe .. Form 70 uaren 2005
P80116 of e
FIMII Mae Form 1004 MaroI'I2005
FonII 111M - "J'OI'AL tot WIldOwS' ap~S8l soltw8re lIJ a It mode. inc. -1"~
1'OJ-26-2f!JI? 08: 52 ..
ADAMS COUNTY NATI ONAl BK
~173382246
P.08
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CfiiiiJ
Supple_m.1 Addend.III
I~:=:.";~~
SID P A
Flit No. 110407M
"'.... 17'"~
AddIicIn.. Com......
Thin. nota nomeowner's fee..
". IUIljIICII8 older than five )118I'S old. All med!8I'liCaI ~lS including hleang. electrical and p1um~ systems appelr 10
be wOl1IinO adtquIteIy. No W8m1nIies are impled in Chi. statement.
n. prlIdOfnln8nt IIWueln the neigtlbortIood is_ than fhl!lt. of the mMet value of the .",q.ct P'OJ*ty. Thi.. due tg the Vfllfy
wide .... of ~Iues of ~ in the .....n lUperior quality of the subject pmpetty. This condition dOlNJ not .". th.
""'lIIIlue of lhelUbjlot Of Its future mar1l1UbiIly.
The tcop. of the ...ignment includld an analyaia of the subject.. area, an In.f*tlan d the $U~t p~, an estimation of
the JH'UPIHtYS hGl*t and belt u.. and the con.IdntIon at all three ap~ fa value and the appJiCIticIn of thole rel8vant
eo.... WIIuaIlcln of the subjeCt ptaperly.
TIII8 repOrt hlB b88n eleatnlnlalily ~ end tranemiIted In ccmpl8nce With USPAP gu/dIlInes which inclIudes verification 01
the complttlt ~ and dlIlivWy, digitaUy pratllct8d signatures and acleqU8te security ~.. In ~ to protld data
vansmilted by appnIiser.
p,..,., MoUe.
PInu8m III II'lI Gremm-leIch-8III Aciof 1M. eIfectiv8 July t. 2001, apptai8era. along With all ~Yide... "'.-.0_
1irNInciII..w. .. ncM requIftld by federal I8w to Inbm tt.lr ....... d 1M ~ of tfle nrm with rwgard to the pttvacy of
1M client nonpubIIo ~ Informlllan. M ~.. we undtll1and M )QIr priY&y Ia very lmp0rt8nt to)'OU and are
pIeIsed 10 provide ~ with thill inbmIdion.
In ill CX1UtW d P8I'form/ng .,..,. W8 may aaIeclt what ielcnrlWn as -nanpubllc pelSOnallnlcrmltion- about you. ThiI
1nbm8tiGn is used It) '*if_ the *~ 1Nt.. pravidII to )QI and may inc:Iude the information proWled to us by)lOti
dIrecIy ar AlCelved by US frcm others with )"OUr authorfzadon.
We do lICIt df8cIoseany nanpubIlc ~ informtdlon 0bDItMd In the ~,..o, our '"9Il9Im1nt with our cu.n. eo
~ thlrd ..... -.pt II /IICIIIIIIY"'. requncs bylaw. Byway or -.ample. a .....ry dIIcIoau18 WDUId be to
our In_ IncIIInt oonIMcIIoII. and in oenain .iCUaticnS. to unrefeted third I*tJ CClnaIIIIMIS who nad to \cnolIr u.I ~tion to
aaIIt w In ~ ....... ~ io you. AIIlndtPRfilnt cont141dn and atry ihIrd party 00IIIUftMI_ engage are
InbrMd "-MY ...J......, they... _ aran.~ 18 to be mIiltaInld In 8trItlI canfldanaewlll*' the firm. A
diIClIcleure l'tIqUited bJ law WO<<lId be. diedolMn by ua that i8 anMnd by a court of competent juriadlction with regard to a legal
8Cticn to Which you aM party.
We Will rerain tecOr'CII ~ to p~ MIVk:ea 1hM _ have prcMded to you for a Nilsonatlle time so that we are better
... to _It ~ will your MIdI. In oRier to PIOIIICt )'OUt' nonpublc peraonallnbm8tlon for untIUIhclrtad acctIa by third
pertiIe, we mIi11* phyIlc:at, IIedronIc and pRlClCluralsafeguardl that aoml'lY with aut prafessional sta....d$ __Ie the
88CUrity ancIlnIiIgrIy 01 ~ WotmatloR.
Fonn TADD - 'TOTAl. tor Wfndows" ajIIlfIiuI Sllf1d8 bv Ita lIlClde, IIIc. -l~G-AI.AMODe
TOTq, p. 0S