HomeMy WebLinkAbout11-07-07 (3)
REV-1500 EX . (6-0())
COMMONWEALTH OF
PENNSYLVANIA
DEPARTMENT OF REVENUE
DEPT. 280601
HARRISBURG. PA 17128-0601
REV-1500
INHERITANCE TAX RETURN
RESIDENT DECEDENT
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DECEDENT'S NAME (LAST, FIRST, AND MIDDLE INITIAL)
BOLDOSSER
DATE OF DEATH (MM-DD-Year)
PHYLLIS A.
DATE OF BIRTH (MM-DD-Year)
OFFICIAL USE ONLY
FILE NUMBER
2 1 -0 7 0 7 9 9
""'COUNTY"'Co5E -YEAR- - - NuMBER--
SOCIAL SECURITY NUMBER
1 82- 2 2 - 9 241
THIS RETURN MUST BE FILED IN DUPLICATE WITH THE
REGISTER OF WILLS
SOCIAL SECURITY NUMBER
D 3. Remainder Return (date 01 death prior to 12-13-82)
D 5. Federal Estate Tax Return Required
_ 8. Total Number of Safe Deposit Boxes
D 11. Election to tax under Sec. 9113(A) (AttachSchO)
THIS SECTION MUST BE COMPLETED. ALL CORRESPONDENCE AND CONFIDENTIAL TAX INFORMATION SHOULD BE DIRECTED TO;
NAME COMPLETE MAILING ADDRESS
ROGER B. IRWIN ESQUIRE 60 WEST POMFRET STREET
FIRM NAME (If Applicable)
IRWIN & McKNIGHT
TELEPHONE NUMBER
717 249-2353 CARLISLE PA 17013
(1) 76,000.00 \
(2) I
(3) I
(4)
(5) 4,955.72
(6)
(7)
08/12/2007 05/18/1928
(IF APPLICABLE) SURVIVING SPOUSE'S NAME (LAST, FIRST, AND MIDDLE INITIAL)
(X] 1. Original Return
o 4. Limited Estate
(X] 6. Decedent Died Testate (Attach copy 01 Will)
o 9. Litigation Proceeds Received
o 2. Supplemental Return
o 4a. Future I nterest Compromise (date 01 death after 12-12-82)
o 7. Decedent Maintained a Living Trust (Attach copy of Trusij
o 10. Spousal Poverty Credit (date 01 death between 12-31-91 and 1-1-95)
OFFICIAL USE ONLY
\1)
(8)
80,955.72
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1. Real Estate (Schedule A)
2. Stocks and Bonds (Schedule B)
3. Closely Held Corporation, Partnership or Sole-Proprietorship
4. Mortgages & Notes Receivable (Schedule D)
5. Cash. Bank Deposits & Miscellaneous Personal Property
(Schedule E)
6. Jointly Owned Property (Schedule F)
o Separate Billing Requested
7. Inter-Vivos Transfers & Miscellaneous Non-Probate Property
(Schedule G or L)
8. Total Gross Assets (total Lines 1-7)
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)
12. Net Value of Estate (Line 8 minus Line 11)
13. Charitable and Governmental Bequests/See 9113 Trusts for which an election to tax has not been
made (Schedule J)
17,760.50
57,426.08
(11)
(12)
(13)
75,186.58
5,769.14
14. Net Value Subject to Tax (Line 12 minus Line 13)
SEE INSTRUCTIONS ON REVERSE SIDE FOR APPLICABLE RATES
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15. Amount of Line 14 taxable at the spousal tax
rate, or transfers under Sec. 9116 (a)(1.2)
0.00 X _ (15)
5,769.14 X .045 (16)
0.00 X .12 (17)
0.00 X .15 (18)
(19)
(14)
5,769.14
16. Amount of Line 14 taxable at lineal rate
17. Amount of Line 14 taxable at sibling rate
18. Amount of Line 14 taxable at collateral rate
19. Tax Due
20. 0
CHECK HERE IF YOU ARE REQUESTING A REFUND OF AN OVERPAYMENT
>> BE SURE TO AIiISWER ALL QUESTIONS ON REVERSE SIDE AND RECHECK MATH < <
0.00
259.61
0.00
0.00
259.61
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ece en s omple e ress:
STREET ADDRESS
1420 BRADLEY DRIVE
CITY I STATE I ZIP
CARLISLE PA 17013
Tax Payments and Credits:
1. Tax Due (Page 1 Line 19)
2. Credits/Payments
A. Spousal Poverty Credit
8. Prior Payments
C. Discount
(1 )
259.61
12.98
Total Credits (A + 8 + C)
(2)
12.98
3. Interest/Penalty if applicable
D. Interest
E. Penalty
Total Interest/Penalty ( D + E) (3)
4. If Line 2 is greater than Line 1 + Line 3, enter the difference. This is the OVERPAYMENT.
Check box on Page 1 Line 20 to request a refund (4)
5. If Line 1 + Line 3 is greater than Line 2, enter the difference. This is the TAX DUE. (5)
A. Enter the interest on the tax due. (5A)
8. Enter the total of Line 5 + 5A. This is the BALANCE DUE. (58)
Make Check AGENT
0.00
0.00
246.63
246.63
PLEASE ANSWER THE FOllOWING QUESTIONS BY PLACING AN "X" IN THE APPROPRIATE BLOCKS
1. Did decedent make a transfer and: Yes No
a. retain the use or income of the property transferred; ........................................................................... 0 00
b. retain the right to designate who shall use the property transferred or its income; ........................................ 0 00
c. retain a reversionary interest; or ...................................................................................................... 0 00
d. receive the promise for life of either payments, benefits or care? ............................................................. 0 00
2. If death occurred after December 12, 1982, did decedent transfer property within one year of death
without receiving adequate consideration?....................................................................................... ....... 0 00
3. Did decedent own an "in trust for" or payable upon death bank account or security at his or her death? ................. 0 00
4. Did decedent own an Individual Retirement Account, annuity, or other non-probate property which
contains a beneficiary designation? ....................................................................................................... 0 00
IF THE ANSWER TO ANY OF THE ABOVE QUESTIONS IS YES, YOU MUST COMPLETE SCHEDULE G AND FILE IT AS PART OF THE RETURN.
Under penalties of pe~ury. 1 declare that 1 have examined this retum, including accompanying schedules and statements, and to the best of my knowledge and belief, it is true, correct and complete.
Declaration of prepar r other than the personal representative is based on all information of which preparer has any knowledge.
DATE
if 1..-(1)1
PA 17013
DATE
I .. v7
PA 17013
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 surviv~~ ~,\ (jse is 3%, n I '"
[72 P.S. ~9116 (a) (1.1) (i)). --C ~'v\ 6)\ \"V>
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 0% [72 P.S. ~9116 (a) (11j(ii)).
T,he statute does not exempt a transfer to a surviving spouse from tax, and the statutory requirements for disclosure of assets and filing a tax retur~still, applicable even if ~
the surviving spouse is the only beneficiary. //'/ .S\,
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For dates of death on or after July 1, 2000: L. ~ "
The tax rale infposed 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, n adoptive parent,
or a stepparent of the child is 0% [72 P.S. ~9116(a)(1.2)].
The tax rate imposed on the net value of transfers to orfor the use of the decedent's lineal beneficiaries is 4.5%, except as noted in 72 P.S. s9116(1.2} [72 P.S. S9116(a)(1)].
The tax rate imposed on the net value of transfers to or for the use ofthe decedent's siblings is 12% [72 P.S. s9116(a)(1.3)]. A sibling is defined, under Section 9102, as an
individual who has at least one parent in common with the decedent, whether by blood or adoption.
REV-1502 EX + (6-98)
.
SCHEDULE A
REAL ESTATE
COMMONWEALTH OF PENNSYLVANIA
INHERITANCE TAX RETURN
r,<ESIDENT DECEDENT
ESTATE OF FILE NUMBER
BOLDOSSER PHYLLIS A. 21 07 0799
All real property owned solely or as a tenant in common must be reported at fair market value. Fair market value is defined as the price at which property would be
exchanged between a willing buyer and a willing seller, neither being compelled to buy or sell, both having reasonable knowledge of the relevant facts.
Real DrODertv which is iointlv-owned with riaht of survivorshiD must be disclosed on Schedule F.
ITEM
NUMBER
1.
DESCRIPTION
1420 BRADLEY DRIVE F113, CARLISLE, NORTH MIDDLETON TOWNSHIP,
PENNSYLVANIA - APPRAISAL ATTACHED
VALUE AT DATE
OF DEATH
76,000.00
TOTAL (Also enter on line 1, Recapitulation) $
(If more space is needed, insert additional sheets of the same size)
76 000.00
REV-1508 EX + (6-98)
.
SCHEDULE E
CASH, BANK DEPOSITS, & MISC.
PERSONAL PROPERTY
COMMONWEALTH OF PENNSYLVANIA
INHERITANCE TAX RETURN
RESIDENT DECEDENT
ESTATE OF
BOLDOSSER
FILE NUMBER
PHYLLIS A. 21 07
Include the proceeds of litigation and the date the proceeds were received by the estate.
All property jointly-owned with right of survivorship must be disclosed on Schedule F.
0799
ITEM
NUMBER
1.
DESCRIPTION
PERSONAL PROPERTY - APPRAISAL ATTACHED
VALUE AT DATE
OF DEATH
1,173.00
2.
MEMBERS 1ST FEDERAL CREDIT UNION - SAVINGS ACCOUNT #51414-00
128.70
3.
MEMBERS 1ST FEDERAL CREDIT UNION - CHECKING ACCOUNT #51414-11
1,654.02
4.
1996 BUICK SKYLARK
2,000.00
TOTAL (Also enter on line 5, Recapitulation) $
(If more space is needed, insert additional sheets of the same size)
4955.72
REV-1511 EX + (12-99)
'*
COMMONWEALTH OF PENNSYLVANIA
INHERITANCE TAX RETURN
RESIDENT DECEDENT
ESTATE OF
BOLDOSSER
PHYLLIS
Debts of decedent must be reported on Schedule I.
A.
SCHEDULE H
FUNERAL EXPENSES &
ADMINISTRATIVE COSTS
FilE NUMBER
21
07
0799
ITEM
NUMBER DESCRIPTION AMOUNT
A. FUNERAL EXPENSES:
1. HOFFMAN-ROTH FUNERAL HOME 5,507.39
2. CUMBERLAND V ALLEY MEMORIAL GARDENS 1,210.00
B. ADMINISTRATIVE COSTS:
1. Personal Representative's Commissions
Name of Personal Representative (s)
Social Security Numbe~s)/EIN Number of Personal Representative(s)
Street Address
City State Zip
Year(s) Commission Paid:
2. Attomey Fees IRWIN & McKNIGHT 4,800.00
3. Family Exemption: (If decedenfs address is not the same as claimant's, attach explanation)
Claimant
Street Address
City State Zip
Relationship of Claimant to Decedent
4. Probate Fees REGISTER OF WILLS 169.00
5. Accountanfs Fees
6. Tax Retum Prepare(s Fees PATRICIA A. ROSENDALE, CPA 350.00
7. REGISTER OF WILLS - SHORT CERTIFICATE 4.00
8. NOTARY FEES 15.00
9. REGISTER OF WILLS - FILING FEE 30.00
10. CUMBERLAND LAW JOURNAL - ESTATE NOTICE 75.00
11. THE SENTINEL - ESTATE NOTICE 158.62
10. ROY GOTTSHALL - APPRAISAL ON PERSONAL PROPERTY 40.00
11. S.W. BARRETT REAL ESTATE -APPRAISAL ON REAL ESTATE 325.00
12. REPLACE HEATING AND AlC UNIT IN CONDO 3,500.00
13. PAINT CONDO 1,000.00
14. HOME DEPO - REPLACE DISHWASHER IN CONDO 533.99
15. RECORDER OF DEEDS-RECORD DEED 42.50
TOTAL (Also enter on line 9, Recapitulation) $ 17.760.50
(If more space is needed, insert additional sheets of the same size)
RI=V-1512 EX + (6-98)
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SCHEDULE.
DEBTS OF DECEDENT,
MORTGAGE LIABILITIES & LIENS
COMMONWEALTH OF PENNSYLVANIA
INHERITANCE TAX RETURN
RESIDENT DECEDENT
, ES.TATE OF
BOLDOSSER
FILE NUMBER
PHYLLIS
A.
21
07
0799
Include unreimbursed medical expenses.
ITEM
NUMBER DESCRIPTION
1. MEMBERS 1ST FEDERAL CREDIT UNION - VISA ACCOUNT #4121449998514140
VALUE AT DATE
OF DEATH
2,154.89
2. BANKERS SUPPLEMENTAL INSURANCE
203.11
3. PP&L - ELECTRIC
112.63
4. COMCAST - CABLE
161.01
5. PA ONLINE - INTERNET SERVICE
38.30
6. NORTH MIDDLE AUTHORITY - WATER/SEWER
79.90
7. SARAH TODD NURSING HOME - NURSING
1,538.90
8. BANK OF HANOVER - MORTGAGE PAYMENTS (3)
1,260.00
9. PHEASANT RUN CONDO ASSOCIATION - CONDO ASSOCIATION FEES
300.00
10. CHAMBERSBURG HOSPITAL - MEDICAL
85.00
11. BANK OF HANOVER - PAYOFF
51,492.34
TOTAL (Also enter on line 10, Recapitulation) $
57 426.08
(If more space is needed, insert additional sheets of the same size)
"'V~"" ex. ".
COMMONWEALTH OF PENNSYLVANIA
INHERITANCE TAX RETURN
RESIDENT DECEDENT
ESTATE OF
R()I II
NUMBER
1.
SCHEDULE J
BENEFICIARIES
PHYLLIS
A.
FILE NUMBER
21 n7
RELATIONSHIP TO DECEDENT
Do Not List Trustee(s)
Lineal
0799
AMOUNT OR SHARE
OF ESTATE
4,169.14
REMAINDER
ENTER DOLLAR AMOUNTS FOR DISTRIBUTIONS SHOWN ABOVE ON LINES 15 THROUGH 18, AS APPROPRIATE, ON REV-1500 COVER SHEET
II. NON-TAXABLE DISTRIBUTIONS:
A. SPOUSAL DISTRIBUTIONS UNDER SECTION 9113 FOR WHICH AN ELECTION TO TAX IS NOT BEING MADE
NAME AND ADDRESS OF PERSON(S) RECEIVING PROPERTY
TAXABLE DISTRIBUTIONS [include outright spousal distributions, and transfers under
Sec. 9116 (a) (1.2)]
1.
PATRICIA S. WEBER
2156 DOUGLAS DRIVE
CARLISLE PA 17013
1.
B. CHARITABLE AND GOVERNMENTAL DISTRIBUTIONS
1.
TOTAL OF PART 11- ENTER TOTAL NON-TAXABLE DISTRIBUTIONS ON LINE 13 OF REV-1500 COVER SHEET $
(If more space is needed, insert additional sheets of the same size)
LAST WILL AND TESTAMENT
I, PHYLLIS A. BOLDOSSER, of North Middleton Township, Cumberland County,
Pennsylvania, declare this instrument to be my Last Will and Testament, hereby expressly
revoking all Wills and Codicils heretofore made by me.
I. I direct my Executrix to pay all of my debts, funeral and administrative expenses as
soon as may be done conveniently after my decease.
2. I authorize and empower my Executrix to sell any realty owned by me at my death, at
either public or private sale, and to give good and sufficient deeds therefor, in fee simple, as I
could do if living.
3. I give, devise and bequeath all of my estate of every nature and wherever situate to my
daughter, PATRICIA S. WEBER, or the survivor.
4. I nominate and appoint PATRICIA S. WEBER to be the Executrix of this my Last
Will and Testament, she is to serve as such without bond. Should she die before my death,
renounce or refuse to serve for any reason, or die leaving any of my estate unadministered, I
nominate and appoint JOHN T. WEBER as substitute Executor, also to serve as such without
bond, with the same powers as are given herein to my Executrix.
5. I hereby suggest that my personal representative retain the servIces of Irwin,
McKnight, & Hughes as attorneys in the settlement of my estate.
IN WITNESS WHEREOF, I have hereunto set my hand and seal this ~ I~J day of
November, 2002.
~~ ~~~>"aA/ (SEAL)
IS A. OLD SER
Signed, sealed, published and declared by PHYLLIS A. BOLDOSSER, the Testatrix
above-named, as and for her Last Will and Testament, in the presence of us, who, at her request,
in her presence and in the presence of each other have subscribed our names as witnesses hereto.
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ACKNOWLEDGMENT AND AFFIDA VIT
WE, PHYLLIS A. BOLDOSSER, MARTHA L. NOEL and SHARON L.
SCHW ALl\'I, the Testatrix and witnesses respectively, whose names are signed to the
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 Testament, that she had
signed willingly, that she executed it as her free and voluntary act for the purpose herein
expressed, and that each of the witnesses, in the presence and hearing of the Testatrix, signed
the Will as a witness and that to the best of their knowledge the Testatrix was, at that time,
eighteen years of age or older, of sound mind and under no constraint or undue influence.
~~i r? N~/d-<-"'t!.A ./
, PHYLLIS A. BOLDOSSER
<6f!~~ /ZN/ .
_ MARTHA L. NOEL
W/;~G J'f: ~~!wa-~
" SHARON L. SCWHALM
COMMONWEALTH OF PENNSYLVANIA
SS:
COUNTY OF CUMBERLAND
Subscribed, sworn to and acknowledged before me by PHYLLIS A. BOLDOSSER,
the Testatrix herein, and subscribed and sworn to before me by MARTHA L. NOEL and
SHARON L. SCHWALM, witnesses, this 2,1 r!' day of November, 2002.
('/
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Notarial Seal
Roger B. Irwin. Notary Public
Carlisle Boro. Cumberland County
My Commission Expires Oct. 3. 2004
Member, Pennsylvania Association of Notalies
S. W. Barrett Real Estate & Appraisal Services
Fie No. 07-0352
APPRAISAL OF
LOCATED AT:
1420 Bradley Drive #F113
Carlisle, PA 17013-1265
FOR:
Irwin & McKnight
60 West Pomfret Street
Carlisle, PA 17013
BORROWER:
Boldosser, Phyllis Estate
AS OF:
August 12, 2007
BY:
Stan A. Skowronek
Certified Residential Appraiser
S. W. Barrett Real Estate & Appraisal Services
File No 07-0352
08/28/2007
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Irwin & McKnight
60 West Pomfret Street
Carlisle, PA 17013
File Number: 07-0352
1420 Bradley Drive #F113
Carlisle, PA 17013-1265
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In accordance with your request, I have appraised the real property at:
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The purpose of this appraisal is to develop an opinion of the market value of the subject property, as improved.
The property rights appraised are the fee simple interest in the site and improvements.
In my opinion, the market value of the property as of August 12, 2007
is:
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$76,000
Seventy-Six Thousand Dollars
The attached report contains the description, analysis and supportive data for the conclusions,
final opinion of value, descriptive photographs, limiting conditions and appropriate certifications.
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Respectfully submitted,
<<".::-'\ rJ c-\ / \ ,
'--.:.~\.A . -,;,,~'Ww'~'-
Stan A. Skowronek
Certified Residential Appraiser
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SUMMARY APPRAISAL REPORT
.Pruoertv Descrlctlon UNIFORM RESIDENTIAL APPRAISAL REPORT FileNo. 07-0352
ProoertvAddress 1420 Bradlev Drive #F113 City Carlisle State PA ZioCede 17013-1265
Leoal Deseriolion Deed Book 254. Daae 1223 Countv Cum berland
Assessor's Parcel No. 29-17-1583-015B-U5113-F Tax Year 06/07 R.E. Taxes $ 914.00 Soecial Assessments $ N/A
Borrower Boldosser Phvllis Estate Current Owner Estate of Phvllis Boldosser Occuoan!: r l Owner r l Tenant fxl Vacanl
.. Prooertvriohlsaooraised 'Tx1 FeeSimnle TTLeasehold I ProiectTvoe 1] PUD T 1 CondominiumlHUDNAonlv) HOA$ 100.00 /Mo.
Neiahborhood or Praiect Name Pheasant Run Estates Man Reference 17-1583 Censu,Tract 0119.02
Sale Price $ N/A Date of Sale N/A De,eriotion and $ amount of loan charaes/concessions to be oaid bv sell... N/A
Lender/Client Irwin & McKniaht Address 60 West Pomfret Street Carlisle PA 17013
Acoraiser Stan A. Skowronek Address 124-126 North Hanover St Carlisle Pa.17013
Location W Urban I&J Suburban BRural Predominant Single family housing Present land use 'A-
Built up 0 Over 75% 00 25-75% Under 25% occupancy fFoJoqE ~~f One family ~
Growth rate 0 Rapid 00 Stable 0 Slow 00 Owner 95 ~ Low ~ 2-4 family ~
Property values 0 Ina-easlng 00 Stable 0 Declining 0 Tenant 225 Hieh 50 Multi-family ~
Demand/supply q Shortage ~ Inbalanoe 0 OIerSlJpptf /xi Vacant(o.5%) Predominant Commercial 10%
Marketlnotlme I IUnd...3mos IX13-6mos nOver6mos. nv,o,""_''') 175 1 30 Vac \ 15%
Note: Race and the racial composition of the neighborhood are not appraisal factora.
Neighborhood boundaries and characteristics: The subiect is bounded on the north bv Pheasant Dr S on the east bv Sterretts Gao Rd
: on the south bv SDrina Rd and on the west bv Lonas GaD Rd.
. Factors thaI affect the marketability of the properties in the neighborhood (praximity to employment and amenities, employment stability, appeal to market, etc.):
. There are no adverse factors to affect marketabilitv of subiecl Diverse stable emDlovment and all sUDDortina amenities are
.. within easy drivina distance. SMSA 3240
Land uae change
o Not likely 0 Likely
00 In process
To: Residential
Market conditions in the subject neighborhood (including support for the above conclusions related to the trend of proparty values, demand/supply, and marketing time
0_ such as data on competitive properties for sale in the neighborhood, description of the prevalence of sales and financing concessions, etc.):
ProDertv sales records and MLS statistics show a steady. moderate increase In Dronartv values over the Dast vear. Averaae
marketina time of 60-90 days shows a aood balance of SUDDlv and demand. Few sales and financina concessions are needed
in the neiahborhood.
. Project Information for PUDs (If applicable) - - Is the developer/builder in control of the Home Owners' Association (HOA)? U YES lXJ NO
Approximate total number of units in the subject project 175 Approximate total number of units for sale in the subject project 3
Describe common elements and recreational facilities: Exterior Buildina and arounds' stairwells' Darkina areas.
Dimensions See leaal descriDtion Topography Basicallv Level
Site area N/A Condominium Corner Lot U Yes 00 No Size N/A
SpeCific zoning classification and description R-1 Suburban Residential Shape N/A
Zoning compliance 00 Legal 0 Legal nonconfoming (Grandfathered use) 0 Illegal 0 No zoning Drainage ADDears Adeauate
Hiehest & best use as imoroved: rxr Presenl use' hOther use lex lain) View Residential
Utllltlea Public Other Off-allelmprovementa Type Public Private Landscaping AveraAe
Electricity 00 200 AmD Street Macadam 00 0 Driveway Surface Macadam
Gas 0 Curb/guller Concrete 00 0 Apparent easements None ADDarent
Water 00 Sidewalk Concrete 00 0 FEMA Special Flood Hazard Nea 0 Yes 00 No
Sanitary sewer ~xx Street lights Adequate ~ HO FEMA Zone C Map Date 04/0111982
Storm sewer I X I AIIav None I I FEMA Man No. 420367 0010B
Comments (apparent adverse easements, encroachments. special assessments, slide areas. illegal or legal nonconforming zoning. use, atc.): There are no
aDDarent adverse easements encroachments or other adverse conditions.
GENERAL DESCRIPTION
No. of Units 1
No. of Stories 1
Type (Det./Att.) Attached
Design (Style) Condo
Existing/Proposed Existina
Age (Yrs.) 27
Effective Ane Yrs.\ 15-20
. ROOMS Faver Livinn
Basement
Level 1 X 1
. Level 2
EXTERIOR DESCRIPTION
Foundation ConeS lab
Exterior Walls Stucco
Roof Surface Metal
Gullers & Dwnspts. Aluminum
Window Type Double Huna
Storm/Sereens Thermal
Manufactured House No
Dininn Kitchen Den
FOUNDATION
Slab Full
a-a.M Space None
Basement None
sump Pump NI A
Dampness NI A
Settlement None Obs
Infestation None Obs
Familv Rm. Rec. Rm. Bedrooms
INSULA TrON
Roof 0
Ceiling .-- 00
Walls .-- 00
Floor .-- 00
None -0
Uok"" ==0
. R Factor Unk
Other Nea Sn.Ft.
area 1
Finished area above arade contains: 4 Rooms; 2 Bedroom s);
INTERIOR Materials/Condition HEATING KITCHEN EQUIP. AITIC
Floors CroWinvl Type HP Refrigerator 00 None
. Walls Drywall Fuel Elect Range/Oven 00 Stairs
Trim/Finish Wood ConditionAva Disposal 0 Drop Stair
Bath Floor Vinyl COOLING Dishwasher 00 Scullle
Bath Wainscot Drywall Central Yes Fan/Hood 0 Floor
Doors Hollow Core Other None Mia-owave 0 Heated
Averace Condition ConditionAva Washer/Drver n Finished
Additional features (special energy efficient items. etc.): Rear Datio.
BASEMENT
Nea Sq.Ft. 0
% Finished NI A
Ceiling N/A
Walls N/A
Floor N/A
Outside Entry NI A
# Balhs
Laundrv
2 2
730
2 Bathls)
AMENITIES
Fireplace(s)# _
Patio Concrete
Deck
Porch
Fence
Pool
00
8
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R
730 Sauare Feet of Gross Livine Nea
CAR STORAGE:
o None 00
00 Garage
o Attached
~o Detached
Built-In
Carport
Driveway
# of cars
2Assan
Condition of the improvements, depreciation (physical, functional, and external). repairs needed, quality of construction remodeling/additions. etc.: 1m Drove
ments are in averaae condition with no nhvsical or functional inadeauacies noted. NOTE' At the time of insDection the
central air conditionina sV8tem was not workina. The familv member stated they didn't know if it needed coolant or
. reDair/reDlacement. It is noted here but no adiustment made due to the unknown cause for malfunction.
Adverse environmental conditions (such as. but not limited to, hazardous wastes, toxic substances. etc.) present in the improvements. on the site. or in the
immediate vicinity of the subject property: No adverse environmental conditions are anDarentldisclosed.
Freddie Mac F<<m ro 6-93
PAGE 1 OF 2
ProducedIJSirogACI50flwllr,.800234a727~,aClweb,com
Fannie Mae Form 1004 6-93
ESTIMATED SITE VALUE. . . . . . . . = $ N/A Comments on Cost Approach (such as, source of cost estimate,
ESTIMATED REPRODUCTION COST-NEW OF IMPROVEMENTS: site value, square foot calculation and for HUD, VA and FmHA, the
Dwelling Sq. Ft. @$_ = $ 0 estimated remaining economic life of the property):
Sq. Ft. @$_ = 0 Cost Annroach deemed a noor indicator of value due to
. = ane ofthe imnrovements. Estimated Remaininn
Ga-agelCarport L-Sq.Ft. @$_ = 0 Economic Life - 40-45 vears
Total Estimated Cost Nej . . . . . . . r . . . .. .. = $ 0
Less Physical Functional External Est. Remaining Econ. Life: 35
. Depredation = $ 0
Depreciated Value of Improvements . ...., . . . = $ 0
"As-is" Value of Site Improvements. .. . = $
INDICATED VALUE BY COST APPROACH. ., . = $ N/A
ITEM I SUBJECT COMPARABLE NO.1 COMPARABLE NO.2 COMPARABLE NO.3
1420 Bradley Drive F113 1422 Bradley Drive C114 1428 Bradley Drive J112 1426 Bradley Drive 1114
Address Carlisle Carlisle Carlisle Carlisle
Proximitv to Subiect 0.01 MI SSW 0.02 MI SW 0.06 MI W
Sales Price $ NlA $ 79 900 $ 80 000 $ 81 000
Price/Gross Liv. Area $ 0.00 ItJ $ 84.64 ItJ $ 87.34 ItJ $ 85.81 ItJ
Dala and/or Inspection MLS MLS Courthouse
Verification Sources Courthouse Courthouse Courthouse
VALUE ADJUSTMENTS DESCRIPTION DESCRIPTION I +(-)$ Adjustment DESCRIPTION I .(-)SAdjustment DESCRIPTION I .. <-> $ Ad"'slmenl
Sales or Financing N/A $2,000 CI. Csts Unknown Unknown
Concessions .... Conv
Date of Sale/Time NlA 11/27/2006 : 09/21/2006 : 07/06/2007 :
Location Suburban Suburban Suburban Suburban
LeasehctliFee Siroie Fee Sim-nle Fee Simnle : Fee Simnle : Fee SimDle :
Site Condominium Condominium : Condominium : Condominium :
View Residential Residential Residential Residential
Desion and ApDeal Condo Condo : Condo : Condo :
0Jai\v of QJnshocfu-l Averane Averane : Averane : Averaae :
Aoe 27 Years 27 Years 27 Years 27 Years
Condition Averaoe Averaoe : Averaoe : Averaoe :
Above Grade Total 1 Bctms I Bath, Total' earns' Baths : Total I earns' Baths : Total' Bltms I Baths :
Room Count 2~ 4: 2: 2.00 4: 2: 2.00 ' 6: 3: 2.00' 4: 2: 2.00 :
Gross Livino Area 730 SoH 944 So Ft. : -4 280 916 SoH : -3.720 944 SoH : -4 280
. Basement & Finished Slab Slab Slab Slab
Rooms Below Grade
Functional Utilitv Averaoe Averaoe , Averane : Averaoe :
HeatinolCooUnq HP/CA HP/CA : HP/CA : HP/CA :
. Enerov Effident Items TVDical Tvaical , Tvnical , TVDical
Garaoe/Caroort None None : None : None :
Porch, Patio, Deck, Patio Patio Patio , Patio ,
Fireolacelsl, etc.
Fence, Pool, etc. None None : None : None :
: : :
Net Adi. Itotal) f l + Txl- '$ 4280 I + fxl- '$ 3720 rl + Ixl. '$ 4280
Adjusted Sales Price .... Gross:. 5.4% Gross: 4.7% Gross: 5.3%
of Comoarable ..... Net -5.4"'" $ 75 620 Net -4.7% $ 76 280 Net: -5.3% $ 76 720
Comments on Sales Comparison (including the subject property's compatibility to thB neighborhood, etc. ): Oninion of value ranoe is $75000 to
$77 000. These are the best condominium sales comDarables known to be available.
ITEM SUBJECT COMPARABLE NO. t COMPARABLE NO.2 COMPARABLE NO.3
Date, Price and Data 10/29/2002 09/21/1990 03/19/2004 04120/1990
SOO"ce fo" prior sales $55,900 $42,900 $72,500 $44,900
within vear of acoraisal Courthouse Courthouse Courthouse Courthouse
Analysis of any current agreement of sale, option, or listing of the subject property and analysis of any prior sales of subject and comparables within one year of the date of appraisal:
No Drior transfers of the subiect within the Dast 36 months and no Drior transfers of the comoarables within 12 months of
their sale date.
INDICATED VALUE BY SALES COMPARISON APPROACH . . . . $ 76 000
. INDICATED VALUE BY INCOME APPROACH Ilf Annlicablel EStim~t~~Ma~;e; R~~t'$ . N/A /Mo. x Gross Rent Mu~i lief N/A -$ NIA
This appraisal is made 00 "as is" 0 subject to the repars, alterations, inspections or oond~ions listed below 0 subject to completion per plans and specifications.
Conditions of Appraisal: The DroDertv- has been aDDraised in current condition. This is for the clients use onlv.
Final Reconciliation: The Market Data Ana/vsls suaaorts mv oainion of value for the subject. The Cost Annroach was not deemed
an annroDriate indicator of value due to the aoe of the subiect and therefore was not included herein. The Income ADDroach
. was also deemed InaDDroDriate for this analvsis.
The purpose of this appraisal is to estimate the market value of the real property that is the subject of this report, based on the above conditions and the certmcatkm, contingent
and limiting conditions, and market value definition that iJ"e stated in the attached Freddie Mac Fwn 439/Fannie Mae Foonl004B (Revised 6/93 )
I (WE) ESTIMATE THE MARKET VALUE, AS DEFINED, OF THE REAL PROPERTY THAT IS THE SUBJECT OF THIS REPORT,ASOF 08/12/2007
. (WHICH IS THE DATE OF INSPECTION AND THE EFFECTIVE DATE OF THIS RE~ 76,000.-----.. .
APPRAISE~~Q ~ X:- . ~~RrNL~UI~ DOid OOOid Not
Signature 00......::.", - \.,uf{;'oU S,gn-
Name Stan A. Skowronek Name Steven W. Barrett, SRPA, SRA Inspect Property
Date Report Signed 08128/2007 Date R;;;rt Sinned 08/28/2007
State Certification # RL-001572-L State PA State Certification # GA-000298-L State PA
Or State license # State Or State license # RB-026921A State PA
f_Maeform70 8-93 Certified Residential PAGE 2 OF 2 - c-ertlfled ~eneral At praiser fanni, Mae form 1004 8-93
Valuation Section
SUMMARY APPRAISAL REPORT
UNIFORM RESIDENTIAL APPRAISAL REPORT
Appraiser
ProdUClld using ACllOftwarl, 8JO.234 8727 wwwaciw9b,com
S.W. Barrett Real Estate & Appraisal Services
File No 07-0352
p
FLOORPLAN
Borrower: Boldosser, Phyllis Estate
Property Address: 1420 Bradley Drive #F113
City: Carlisle
Lender: Irwin & McKni ht
Sketch by Apex IV Windows 'M
Bedroom
Bedroom
Code
GLAl
PIP
First Floor
Patio
AREA CALCULATIONS SUMMARY
Description Size
730.00
54.00
Totals
730.00
54.00
TOTAL LIVABLE
(rounded)
730
1.___________________ _
File No.: 07-0352
Case No.:
State: PA
V~7/%l
V0~/!
Living
."
.~~'f Foyer
<l'
LIVING AREA BREAKDOWN
Breakdown
First Floor
5.0 x
3.0 x
24.0 x
29.0
3.0
24.0
3 Areas Total (rounded)
Zip: 17013-1265
Subtotals
145.00
9.00
576.00
730
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Borrower: BQldosser, Phyllis Estate
. Property Address: 1420 Bradley Drive #F113
CitLCarlisle _
Lender: Irwin & McKni ht
State: PA
File No.: 07-0352
Case No.:
Zip 1J013
FRONT VIEW OF
SUBJECT PROPERTY
Appraised Dale:
Appraised Value: $
REAR VIEW OF
SUBJECT PROPERTY
STREET SCENE
--.... ."....,---. ...-. -.'... ..-._.~--_...__..~
Borrower: Boldosser, Phyllis Estate
Pmperly Address: 1420 Bradley Drive #F113
City: Carlisle
Lender: Irwin & McKni ht
Statll~PA
File No.: 07-0352
Case No.:
Zip: 17013-1265
COMPARABLE SALE #1
1422 Bradley Drive #C114
Carlisle
Sale Date: 11/27/2006
Sale Price: $ 79,900
COMPARABLE SALE #2
1428 Bradley Drive #J-112
Carlisle
Sale Date: 09/21/2006
Sale Price: $ 80,000
COMPARABLE SALE #3
1426 Bradley Drive 1-114
Carlisle
Sale Date: 07/06/2007
Sale Price: $ 81,000
Borrower. Boldosser, Phyllis Estate
Er:~1-ddress: 1420 Bradley Drive #F113
yi!y: Ca!~.~
Lender: Irwin & McKni ht
File No.: 07-0352
__._---.-<::ase No.:
State: PA
Zip: 17013-1265
FloodMap Legend
FIOOO Zot1e'S
flootlllllormanon
Communitv: 420367 . NORTH t.AlDDLErON. TO"NSHI~ OF
~lty is'Mt in a F BAA. special flood haZ3ld aru.
Mop >>..mb..., <UDJ61 00 t09 Mop 0"'", 04.10111092
Panel: 00108 FIPS: 4::iD41
ZonQ: C
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Artn ....... 01 the 1OQ. _ &OO-,..1IoolIplan
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Neitl1er Transamerica Flood Ha1ard Certiflcallon (TFHC) 1101 N:I make anI'
MP""9tl1lations tT w_ies 10 illY pa1Iy C<<lGfll'l'ing the OOttm. 1~~lJnley cr
compIotentiS of this ftoo<lll!port. inelu:1in9 mv UlJlT3nt~ of mereI'IInlablh cr
fitness ffX' a paticubr purpose. Neither TFHC nor./lC1 norlhe soller of this
Uood "'port shaM have any labiIitT to anI' thi'd patty for an... use a misuse 01
this flooo report.
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LQCA TION MAP
Borrower: Boldosser, Phyllis Estate
Property Adilress: 1420 Bradley Drive #F113
City: Carlisle __
Lender: Irwin & McKni ht
File No.. 07-0352
Case No.:
State: PA
Zip: 17013-1265
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P'(Ipared by. Sleven W. Berrett RE AP.~. Svc. (717)24'>-6646
File No 07-0352
I
********* QUALIFICATIONS ********* I
The following checked items are SPECIFIC SPECIAL CONDITIONS that were identified by this appraiser during the i
inspection of the subject property, the com parables sales, and their neighborhoods and locations. Unless otherwise
noted, the conditions that apply to the subject property or the comparable sales used DO NOT AFFECT THE MARKET !
VALUE OR THE FUTURE MARKETABILITY OF THE SUBJECT PROPERTY BEING APPRAISED. This is not a home I
inspection service. This is an appraisal to estimate market value.
_1. The subject is located in a rural area and is less than 25% built-up.
_x_2. Commercial/Industrial uses are located within the subject's neighborhood. These uses are typical of similar
neighborhoods.
J_3. Vacant and undeveloped land uses are located within the subject's neighborhood. These uses are typical for
the area.
_4. The predominant value in the neighborhood is less than that of the market value of the subject property. This
is due to the very wide range of value of properties in the area and superior quality of the subject property.
_5. The subject property is located in a F.E.M.A. Identified Flood Zone. Flood insurance coverage is required and
suggested.
_6. Dampness is noted in the basement of the subject. Standing or running water was not present on basement
floor. This condition is considered typical in dwellings of this style.
_7. The subject property is serviced by private well and/or septic systems which is common for the area.
_x_So The subject is older than five(5) years. All mechanical systems including the heating, electrical and plumbing
systems appear upon a visual exterior inspection to be in working order. No warranties are implied in this statement.
_9. Repair items were noted in the comments sectIon of the report. These comments on repair items are for
descriptive purposes only and are not required repairs. The items listed are cosmetic in nature.
_10. The basement floor is a dirt floor. This condition is common and typical for the area. and does not pose a
health or safety hazard.
_11. The subject property does contain functional obsolescence as noted in the report. This condition is
considered typical and common for the area and this style dwelling.
_12. The land value exceeds 30% of total value due to the high demand for vacant land in this neighborhood. This
condition is considered common and typical for the neighborhood.
_13. The land value exceeds 30% of total value. This is due to the large size of the site. This condition is
considered to be typical and common.
_14. Individual adjustments were required that exceed 15%. These adjustments were required due to lack of more
similar comparables on that individual rating. All com parables used are the best available.
_15. Total adjustments exceed 25%. This is due to the lack of comparable sales that were more similar in the
subject's market area. All com parables used are the best available.
_x_16. One or more comparable sales are older than six(6) months. Although there are comparable properties in the
subject's area, none have sold recently; therefore, sales in excess of six(6) months have to be used. All com parables
used are the best available.
_17. One or more comparables used were in excess of one (1) mile from the subject property. Although there are
comparable properties in the immediate area, none have sold recently. Therefore, it was necessary to use comparable
sales outside of the immediate area. All com parables used are located in similar neighborhoods and within the same
marketing area. All com parables used are the best available.
_is. The electrical system was not connected during inspection.
_19. The water service was not connected during inspection.
_20. The heating system was shut down during inspection.
_21. Roofing_Plumbing_Electrical_Heating_certification(s) is/are suggested.
22. Inground SWimming pool_, out buildings_are included_.not included_according to lender's
guidelines.
_23. According to lender's guidelines a maximum of_acres were considered for this valuation. Remaining
acreage was given no value.
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File No 07-0352
********* QUALIFICATIONS *********
_24. The subject property is located on a private road.
_25. Wood infestation inspection is suggested.
_x_26. Last recorded deed transfer: Date_10/29/2002_. Consideration: $_55,900_"
_27. Proposed construction/renovation in accordance to plans and specifications to be completed in a workman-like
manner.
_28. Seller is paying part or all of closing costs.
_x_29. All comparable sales are verified closed sales.
x 30. There are no special conditions or other requirements that would affect market value or future marketability in
the Appraisal Report.
CHECKED ITEMS ARE SPECIFIC SPECIAL CONDITIONS THAT WERE IDENTIFIED BY THIS APPRAISER DURING
INSPECTION.
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File No 07-0352
- - - - -
......*..**** QUALIFICATIONS *********
Confidentiality and Security Policy
We consider privacy to be fundamental to our relationship with clients. We are committed to maintaining the
confidentiality, integrity and security of clients' personal information. Internal policies have been developed to protect
this confidentiality, while allowing client needs to be served.
We restrict access to personal information to authorized individuals who need to know this information to comply with
federal standards to protect your non public personal information. We do not disclose this information about you or
any former consumers or customers to anyone, except as permitted by law. The law permits us to share this
information with our affiliates. The law also permits us to share this information with companies that perform
marketing.
When we share non public information referred to above, the information is made available for limited purposes and
under controlled circumstances. We require third parties to comply with our standards for security and confientiality.
We do not permit use of consumer/customer information for any other purpose nor do we permit third parties to rent,
sell, trade or otherwise release or disclose information to any other party.
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Education
As of the date of this report, I and/or Steven W. Barrett, SRPA, SRA, have completed the requirements under the
continuing education program of the Appraisal Institute.
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File No. 07-0352
DEFINITION OF MARKET VALUE: The most probable price which a property should bring in a competitive and open market
under all conditions requisite to a fair sale, the buyer and seller, each acting prudently, knowledgeably and assuming the price is not
affected by undue stimulus. Implicit in this definition is the consummation of a sale as of a specified date and the passing of title from
seller to buyer under conditions whereby: (1) buyer and seller are typically motivated; (2) both parties are well informed or well advised,
and each acting in what he considers his own best interest; (3) a reasonable time is allowed for exposure in the open market; (4) payment
is made in terms of cash in U.S. dollars or in terms of financial arrangements comparable thereto; and (5) the price represents the normal
consideration for the property sold unaffected by special or creative financing or sales concessions" granted by anyone associated with the
sale.
"Adjustments to the comparables must be made for special or creative financing or sales concessions. No adjustments are necessary for
those costs which are normally paid by sellers as a result of tradition or law in a market area; these costs are readily identifiable since the
seller pays these costs in virtually all sales transactions. Special or creative financing adjustments can be made to the comparable property
by comparisons to financing terms offered by a third party institutional lender that is not already invoived in the property or transaction. Any
adjustment should not be calculated on a mechanical dollar for dollar cost of the financing or concession but the dollar amount of any
adjustment should approximate the market's reaction to the financing or concessions based on the Appraiser's judgment.
STATEMENT OF LIMITING CONDITIONS AND APPRAISER'S CERTIFICATION
CONTINGENT AND LIMITING CONDITIONS: The appraiser's certification that appears in the appraisal report is subject to the
follOWing conditions:
1. The appraiser will not be responsible for matters of a legal nature that affect either the property being appraised or the tille to it. The
appraiser assumes that the title is good and marketable and, therefore, will not render any opinions about the tille. The property is appraised
on the basis of it being under responsible ownership.
2. The appraiser has provided a sketch in the appraisal report to show approximate dimensions of the improvements and the sketch is
included only to assist the reader of the report in visualizing the property and understanding the appraiser's determination of its size.
3. The appraiser has examined the available flood maps that are provided by the Federal Emergency Management Agency (or other data
sources) and has noted in the appraisal report whether the subject site is located in an identified Special Flood Hazard Area. Because the
appraiser is not a surveyor, he or she makes no guarantees, express or implied, regarding this determination.
4. The appraiser will not give testimony or appear in court because he or she made an appraisal of the property in question, unless specific
arrangements to do so have been made beforehand.
5. The appraiser has estimated the value of the land in the cost approach at its highest and best use and the improvements at their
contributory value. These separate valuations of the land and improvements must not be used in conjunction with any other appraisal and
are invalid if they are so used.
6. The appraiser has noted in the appraisal report any adverse conditions (such as, needed repairs, depreciation, the presence of hazardous
wastes, toxic substances, etc. ) observed during the inspection of the subject property or that he or she became aware of during the normal
research involved in performing the appraisal. Unless otherwise stated in the appraisal report, the appraiser has no knowledge of any hidden
or unapparent conditions of the property or adverse environmental conditions (including the presence of hazardous wastes, toxic
substances, etc. ) that would make the property more or less valuable, and has assumed that there are no such conditions and makes no
guarantees or warranties, express or implied, regarding the condition of the property. The appraiser will not be responsible for any such
conditions that do exist or for any engineering or testing that might be required to discover whether such conditions exist. Because the
appraiser is not an expert in the field of environmental hazards, the appraisal report must not be considered as an environmental assessment
of the property.
7. The appraiser obtained the information, estimates, and opinions that were expressed in the appraisal report from sources that he or she
considers to be reliable and believes them to be true and correct. The appraiser does not assume responsibility for the accuracy of such
items that were furnished by other parties.
8. The appraiser will not disclose the contents of the appraisal report except as provided for in the Uniform Standards of Professional
Appraisal Practice.
9. The appraiser has based his or her appraisal report and valuation conclusion for an appraisal that is subject to satisfactory completion,
repairs, or alterations on the assumption that completion of the improvements will be performed in a workmanlike manner.
10. The appraiser must provide his or her prior written consent before the lender/client specified in the appraisal report can distribute the
appraisal report (including conclusions about the property value, the appraiser's identity and professional designations, and references to
any professional appraisal organizations or the firm with which the appraiser is associated) to anyone other than the borrower; the
mortgagee or its successors and assigns; the mortgage insurer; consultants; professional appraisal organizations; any state or federally
approved financial institution; or any department, agency, or instrumentality of the United States or any state or the District of Columbia;
except that the lender/client may distribute the property description section of the report only to data collection or reporting service(s)
without having to obtain the appraiser's prior written consent. The appraiser's written consent and approval must also be obtained before
the appraisal can be conveyed by anyone to the public through advertising, public relations, news, sales, or other media.
Freddie Mac Form 439 6-93
P~ge 1 of 2
Fannie Mae Form 1004B 6-93
File No. 07-0352
APPRAISERS CERTIFICATION: The Appraiser certifies and agrees that:
1. I have researched the subject market area and have selected a minimum of three recent sales of properties most similar and proximate
to the subject property for consideration in the sales comparison analysis and have made a dollar adjustment when appropriate to reflect the
market reaction to those items of significant variation. if a significant item in a comparable property is superior to , or more favorable than,
the subject property, I have made a negative adjustment to reduce the adjusted sales price of the comparable and, if a significant item in a
comparable property is inferior to, or less favorable than the subject property, I have made a positive adjustment to increase the adjusted
sales price of the comparable.
2. I have taken into consideration the factors that have an impact on value in my development of the estimate of market value in the
appraisal report. I have not knowingly withheld any significant information from the appraisal report and I believe, to the best of my
knowledge, that all statements and information in the appraisal report are true and correct.
3. I stated in the appraisal report only my own personal, unbiased, and professional analysis, opinions, and conclusions, which are subject
only to the contingent and limiting conditions specified in this form.
4. I have no present or prospective interest in the property that is the subject to this report, and I have no present or prospective personai
interest or bias with respect to the participants in the transaction. I did not base, either partially or completely, my analysis and/or the
estimate of market value in the appraisal report on the race, color, religion, sex, handicap, familial status, or national origin of either the
prospective owners or occupants of the subject property or of the present owners or occupants of the properties in the vicinity of the
subject property.
5. I have no present or contemplated future interest in the subject property, and neither my current or future employment nor my
compensation for performing this appraisal is contingent on the appraised value of the property.
6. I was not required to report a predetermined value or direction in value that favors the cause of the client or any related party,
the amount of the value estimate, the attainment of a specific result, or the occurrence of a subsequent event in order to receive my
compensation and/or employment for performing the appraisal. I did not base the appraisal report on a requested minimum valuation, a
specific valuation, or the need to approve a specific mortgage loan.
7. I performed this appraisal in conformity with the Uniform Standards of Professional Appraisal Practice that were adopted and
promulgated by the Appraisal Standards Board of The Appraisal Foundation and that were in place as of the effective date of this appraisal,
with the exception of the departure provision of those Standards, which does not apply. I acknowledge that an estimate of a reasonable
time for exposure in the open market is a condition in the definition of market value and the estimate I developed is consistent with the
marketing time noted in the neighborhood section of this report, unless I have otherwise stated in the reconciliation section.
8. I have personally inspected the interior and exterior areas of the subject property and the exterior of all properties listed as comparables
in the appraisal report. I further certify that I have noted any apparent or known adverse conditions in the subject improvements, on the
subject site, or on any site within the immediate vicinity of the subject property of which I am aware and have made adjustments for these
adverse conditions in my analysis of the property value to the extent that I had market evidence to support them. I have also commented
about the effect of the adverse conditions on the marketability of the subject property.
g I personally prepared all conclusions and opinions about the real estate that were set forth in the appraisal report. If I relied on
significant professional assistance from any individual or individuals in the performance of the appraisal or the preparation of the appraisal
report, I have named such individual(s) and disclosed the specific tasks performed by them in the reconciliation section of this appraisal
report. I certify that any individual so named is qualified to perform the tasks. I have not authorized anyone to make a change to any item in
the report; therefore, if an unauthorized change is made to the appraisal report, I will take no responsibility for it.
SUPERVISORY APPRAISER'S CERTIFICATION: If a supervisory appraiser signed the appraisal report, he or she certifies
and agrees that: I directly supervise the appraiser who prepared the appraisal report, have reviewed the appraisal report, agree with the
statements and conclusions of the appraiser, agree to be bound by the appraiser's certifications numbered 4 through 7 above, and am taking
full responsibility for the appraisal and the appraisal report.
ADDRESS OF PROPERTY APPRAISED: 1420 Bradley Drive #F113, Carlisle, PA 17013-1265
APPRAISER:
SUPERVISORY APPRAISER (only if required)
--...-")
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Signature: 3""" CA~, ~Y()l~j(t~ \...
Name: Stan A. Skowronek
Date Signed: 08/28/2007
State Certification #: RL-001572-L
or State License #:
State: PA
Expiration Date of Certification or License: June 30. 2009
Signature:
Name: Steven W. Barrett. SRPA. SRA
Date Signed: 08/28/2007
State Certification #: GA-000298-L
or State License #: RB.026921A
State: PA
Expiration Date of Certification or License: June 30, 2009
o Did 00 Did Not Inspect Property
Certified Residential Appraiser
Freddie Mac Form 439 6-93
Certified General Appraiser
Page 2 of 2
Fannie Mae Form 1004B 6-93
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REGULAR SAVINGS ACCOUNT:
Account Number/ Suffix
Date Account Established
Principal Balance at Date of Death
Accrued Interest to Date of Death
Total Principal and Accrued Interest
Interest Earned 01/01/07 - 07/31/07
Name of Joint Owner
CHECKING ACCOUNT:
Account Number/Suffix
Date Account Established
Principal Balance at Date of Death
Accrued Interest to Date of Death
Total Principal and Accrued Interest
Interest Earned 01/01/07 - 07/31/07
Name of Joint Owner
VISA ACCOUNT:
Account Number
Date Account Established
Balance on Date of Death
Joint Cardholder
Estate of: PHYLLIS BOLDOSSER
Date of Death: August 12, 2007
Social Security Number: 182-22-9241
~
MEMBERS 1st
FEDERAL CREDIT UNION
51414-00
07/11/1975
$128.66
$.04
$128.70
$.76
None
51414-11
11/23/1982
$1,654.02
$.00
$1,654.02
$.00
None
'~~fEUWlEIm
hv;~" C \~,
-\./\/1
4121449998514140
01/23/1992
$2,154.89
None
~MBERS 1 ST FEDERAL, ~~~IT UNION
Cl~ ~. ULJ~
anielle A. Kline
Insurance Services Specialist
August 24, 2007
5000 Louise Drive. Po. Box 40 . Mechanicsburg, Pennsylvania 17055 . (717) 697-1161 . www.n1.embers1st.org
Hoffman-Roth Funeral Home & Crematory, Inc.
219 North Hanover Street
Carlisle,PA 17013
(717)243-4511
August 20, 2007
Patricia S. Weber
2156 Douglas Drive
Carlisle, P A 17013
;Dj y pq
C I) )( :IF 3 ~ / /
The Funeral Service for Phyllis Boldosser
15113-179
We sincerely appreciate the confidence you have placed in us and will continue to assist you in every way we can. Please
feel free to contact us if you have any questions in regard to this statement.
THE FOLLOWING IS AN ITEMIZED STATEMENT OF THE SERVICES, FACILITIES, AUTOMOTIVE EQUIPMENT,
AND MERCHANDISE THAT YOU SELECTED WHEN MAKING THE FUNERAL ARRANGEMENTS.
OUR SERVICE
Basic Services of Funeral Director & Staff . . . .
FUNERAL HOME SERVICE CHARGES
TOT AL CASH ADVANCES AND SPECIAL CHARGES .
$3025.00
$3025.00
$1870.00
I
$4895.00
$158.60
$293.76
$100.00
$60.00
$612.36
SELECTED MERCHANDISE:
Monarch Casket . . . . . . . . . . . . . . . . . . . . . .
THE COST OF OUR SERVICES, EQUIPMENT, AND MERCHANDISE
THATYOUHAVESELECTED . . . . . . . . . . . . .
Cash Advances
Newspaper Obituary Notice - Sentinel.
Newspaper Obituary Notice - Patriot News
Clergy Offering . . . . . . . .
Certified Copies of Death Certificate. .
Total
Total Cost .
$5507.36
TOT AL AMOUNT DUE
$5507.36
This statement is net and payable in full within 30 days of receipt.
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6
PHYW8 A BOL.DOSSER
Account NUmber: 4121.4499 9851 4140
Closing Date: 08124/07
Credit Umit: $7,500.00
Available Credit: $0.00
viij~
.i~~C9\1(\!...~\I~m~ry
Previous Balance $
Purchases +
Cash +
Special +
Credits
Payments
Other Debits +
Finance Charges +
NEW BALANCE $
2,154.89
0.00
0.00
0.00
0.00
0.00
0.00
0.00
2,154.89
Ac:count Inquirit.
~ Customer Service:
~ Lost or Stolen Card:
(717) 795-6035
(866) 839-3485
~
,,~,.~
~
Please Direct Written Inquiries to:
CUSTOMER SERVICE
PO BOX 30495
TAMPA, FL 33630-3495
I ~ Total Minimum Payment Due
.~ Payment Due Date
Mail Payments to: VISA
$44.00
09/18/07
PO BOX 4517 CAROL STREAM IL 60197-4517
HOURS. TO OaT AIN ACCOUNT INFORMA nON 24 HOURS A DA Y CALL 800-299-9842.
I
Plan Previous Average Periodic
Name Description Balance Daily Balance Rate ..
Purchases
PPLN01 PURCHASE G $111.35 $110.41 0.??oo% (M) 0.0000% $0.00 $0.00 0.0000% $11135
Cash
CPR039 A $2,04354 $2,02615 0.??oo% (M) O. ??oo% $0.00 0.0000% $2,04354
$2,154.89 $2,136.56 $000
PLEASE DETACH COUPON AND RETURN PAYMENT USING THE ENCLOSED ENVELOPE. ALLOW 5 DAYS FOR MAIL DELIVERY
MEMBERS1STFEDERALCU
5000 LOUISE DRIVE
MECHAN1CSBURG PA 17055-4899
VD."
~ountNumb~
4121 44999851 4140
tv l~M~~~~~I~~
CheCK box to. indicate D
name/address change
on back. of thIS coupon
AMOUNT OF PAYMENT ENCLOSED
- - J
~yment Due Date.
09/18/07
I New B~limce I
$2,154.89
$
.
08/24/07
$44.00
PHYLLIS A BOLDOSSER
1420 F113 BRADLEY DRIVE
CARlISLE PA 17013-1265
MAKE CHECK PAYABLE TO:
~ ~ 1.11 1111111111111.1 11111.1.1..1.1.1111111111,1.1111111.1,,1.11
rJ.. VISA
PO BOX 4517
\ CAROL STREAM IL 60197-4517
\0 W~\
21 4121 4499 9851 4140 00004400 00215489 7
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United Church~'of '.Chi-iat;!
Sarah A. Todd Mem()rialHOIDij"~
1000 West South Street
Carlisle, PA 17013
~,,,
Statement Date: 09/12/2007
patricia Weber
2156 Douglas Dr.
Carlisle, PA 17013
Due Date: 09/25/2007
Re: Phyllis A Boldosser
Account Nr: 101S94
I
--------------------------------------------------------------------------------
Date
Description
Days
Quant
Rate
Charges
Payments
Balance
---.-----------------------------------------------------------------------------
BALANCE FORWARD l,36S.00 l,36S.00
OS/11/07 Medical Equipment R 1.00 7S.16 7S.16 1,446.16
OS/11/07 Incontinence Suppli 1. 00 9.50 9.50 1,455.66
Oa/11/07 Medical Supplies 1. 00 4.75 4.75 1,460.41
Oa/11/07 Cable Television 1.00 15.00 15.00 1,475.41
08/11/07 Personal Supplies 1. 00 63.49 63.49 l,53S.90
NOTE: ***** PAYMENT IS DUE UPON RECEIPT ***** BUT NO LATER THAN
THE 25TH OF THE MONTH ***** Please remit the LAST AMOUNT printed on
your statement. Include the ACCT# from the statement on the MEMO LINE
of your check. Payments after 9/10/07 do not reflect on statement.
NOTE: ** LATE PAYMENTS ARE SUBJECT TO A 1.25% LATE CHARGE PER MONTH **
A $10.00 FEE WILL BE CHARGED for RETURNED CHECKS **
~.
OCT-31-2007 15:20
STERLING FINANCIAL
I
I LAW OFFIces I
IRwqv & McKNIGHT
;
717 560 4857
P.01/01
R.OGER 11. IRWtN
MAACUS 11. McKNIGHT. U1
DOUGiJtS G. MILLER
STEPHEN L I1LOOM
M.4.771fEW.4. McKNIGHT
WeST PO PRiT F'ROFeSSfONA.L BUiLDING
6 WEST F'OM'R/fT stReeT
CARLlSL PENNSYL VANIA Ilr)13-3;ZZ;Z
(717) 249-2353
FAX (7171 249-6354
.IRWINMCKNfGHT.CDM
HAJt.OW.t JRWflI/ (1'J25-/~77)
HAJCOLD S-11f./t'IN, .11/. (/1154-1986)
I/(w/I\', IRW/^' ,I; IRW'~ ('9jS-l~86J
1/f1fo1N. IRIVIA' & Md(N!(jJn (19lfi.19?I;)
IR.rVf!t,', UdCNIGIIT" It U(;rlES (HIP".]DIl.l)
IRwIN", McKNICHT (200.;, )
October 31, 2007 ·
nA FA.CSIMILE - 717-56 851
Attn: Barbara Kedel
Bank. of Hanover
lU::
SOCIAL SECURIT #:
PROPERTY:
T e Estate of Phyllis Boldosscr
1 2-22-9241
1 20 Bradley Drive; Carlisle,.fA 17013
Dear Sir or Madam:
Please supply me wi the folIo . g information for the above referenced accouo,t: I d
DateofPayofr. () T/)8fl? Ie. .;;-CXJ 1 . / ~ d;:::L-JC
Total Amount Paid: 11 ~ r:;tj i ,j/L~ 10,'1,1'
If you have any que tions reg ding this matter, :please do not hesitate to contact me_
Thank you.
.~
Very 1;rulY yours)
~~:rnJKNIGHT
~S_N~..,
Esta.t~ Paralegal
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