HomeMy WebLinkAbout05-05-08 (2)
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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
County Code Year
INHERITANCE TAX RETURN 21 07
RESIDENT DECEDENT
OFFICIAL USE ONLY
.
File Number
00845
Date of Birth
209200580
09072007
08221927
Decedent's Last Name
Suffix
Decedent's First Name
NORMA
MI
J
OSNER
(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
181 1. Original Return 0 2. Supplemental Return
o
4. Limited Estate
o
4a. Future Interest Compromise
(date of death after 12-12-82)
o
3. Remainder Return (date of death
prior to 12-13-82)
5. Federal Estate Tax Return Required
o
181
6. Decedent Died Testate
(Attach Copy of Will)
o
7 Decedent Maintained a Living Trust
. (Attach Copy of Trust)
8. Total Number of Safe Deposit Boxes
o
9. Litigation Proceeds Received
o
10 Spousal Poverty Credit (date of death
. between 12-31-91 and 1-1-95)
o
11 . Election to tax under Sec. 9113(A)
(Attach Sch. 0)
~ORRESPONDENT . THIS SECTION MUST BE COMPLETED. ALL CORRESPONDENCE AND CONFIDENTIAL TAX INFORMATION SHOULD BE DIRECTED TO:
ame Daytime Telephone Number
ROBERT P. KLINE
7177702540 r--.)
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REGISTER ~ .~ usiLY ?".: ,. ~,T,-i
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DATE FILED
Firm Name (If Applicable)
KLINE LAW OFFICE
First line of address
714 BRIDGE STREET
Second line of address
P.O. BOX 461
City or Post Office
NEW CUMBERLAND
State
PA
ZIP Code
17070
Correspondent's e-mail address:
Under penalties of perjury, I declare that I 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 preparer other than the personal representative is based on all information of which preparer has any knowledge.
IGNATURE OF PERSON RESPONSI E FOR FILING RETURN DATE
Deborah L. Shenck
\}..oo r-
17050
DATE
Robert P. Kline
yt(a.-
714 Bridge Street, New Cumberland, PA 17070
Side 1
L
15056041147
15056041147
--.J
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15056042148
REV-1500 EX
Decedent's Name:
OSNER, NORMA J
RECAPITULATION
1. Real Estate (Schedule A).......................................................................................... 1.
2. Stocks and Bonds (Schedule B)...............................................................................
3. Closely Held Corporation, Partnership or Sole-Proprietorship (Schedule C).......... 3.
4. Mortgages & Notes Receivable (Schedule D).......................................................... 4.
5. Cash, Bank Deposits & Miscellaneous Personal Property (Schedule E)................ 5.
6. Jointly Owned Property (Schedule F) 0 Separate Billing Requested............. 6.
7. Inter-Vivos Transfers & Miscellaneous Non-Probate Property
(Schedule G) 0 Separate Billing Requested............. 7.
8. Total Gross Assets (total Lines 1-7)....................................................................... 8.
9. Funeral Expenses & Administrative Costs (Schedule H)......................................... 9.
10. Debts of Decedent, Mortgage Liabilities, & Liens (Schedule I)................................ 10.
11. Total Deductions (total Lines 9 & 10)...................................................................... 11.
12. Net Value of Estate (Line 8 minus Line 11)............................................................. 12.
13. Charitable and 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 1"'4TciXable
at sibling rate X .12
18. Amount of Line 14 taxable
at collateral rate X .15
15.
190,154.71
19. Tax Due..................................................................................................................... 19.
20. FILL IN THE OVAL IF YOU ARE REQUESTING A REFUND OF AN OVERPAYMENT.
Side 2
L
15056042148
Decedent's Social Security Number
209200580
2.
155,000.00
33,113.55
7,223.18
11,720.19
207,056.92
14,585.00
2,317.21
16,902.21
190,154.71
190,154.71
16.
8,556.96
17.
18.
8,556.96
D
15056042148
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REV-1500 EX Page 3
Decedent's Complete Address:
ON' NA
Osner, Norma J
STREET ADDRESS
1810 Anna Street
File Number 21 - 07 - 00845
CITY
STATE
ZIP
New Cumberland
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)
Total Credits (A + B + C)
(2)
3. Interest/Penalty if applicable
D. Interest
E. Penalty
17070
8,556.96
0.00
Total Interest/Penalty (0 + E)
4. If Line 2 is greater than Line 1 + Line 3, enter the difference. This is the OVERPAYMENT.
Check box on Page 1 Line 20 to request a refund
5. If Line 1 + Line 3 is greater than Line 2, enter the difference. This is the TAX DUE.
A. Enter the interest on the tax due.
(3) 0.00
(4)
(5) 8,556.96
(5A)
(5B) 8,556.96
B. Enter the total of Line 5 + 5A. This is the BALANCE DUE.
Make Check Payable to: REGISTER OF WILLS, AGENT
PLEASE ANSWER THE FOllOWING QUESTIONS BY PLACING AN "X" IN THE APPROPRIATE BLOCKS
1. Did decedent make a transfer and:
a. retain the use or income of the property transferred;..................................................................................
b. retain the right to designate who shall use the property transferred or its income;....................................
c. retain a reversionary interest; or..................................................................................................................
d. receive the promise for life of either payments, benefits or care?..............................................................
2. If death occurred after December 12, 1982, did decedent transfer property within one year of death without
receiving adequate consideration?................................................................................................... ...................
Yes
D
D
D
D
D
D
No
[!]
[!]
[!]
[!]
[!]
[!]
3. Did decedent own an "in trust for" or payable upon death bank account or security at his or her death?.........
4. Did decedent own an Individual Retirement Account, annuity, or other non-probate property which
contains a beneficiary designation?.......................... .................................................... ....................................... [!] D
IF THE ANSWER TO ANY OF THE ABOVE QUESTIONS IS YES, YOU MUST COMPLETE SCHEDULE G AND FILE IT AS PART OF THE RETURN.
--.
For dates of death on or after July 1, 1994 and before January 1, 1995, the tax rate imposed on the net value of transfers to or for the use of the
surviving spouse is three (3) percent [72 P.S. 99116 (a) (1.1) (I)).
For dates of death on or after January 1, 1995, the tax rate imposed on the net value of transfers to or for the use of the surviving spouse is zero
(0) percent [72 P.S. 99116 (a) (1.1) (ii)). The statute does not exempt a transfer to a surviving spouse from tax, and the statutory requirements
for disclosure of assets and filing a tax return are still applicable even if the surviving spouse is the only beneficiary.
For dates of death on or after July 1, 2000:
The tax rate imposed on the net value of transfers from a deceased child twenty-one years of age or younger at death to or for the use of a
natural parent, an adoptive parent, or a stepparent of the child is zero (0) percent [72 P.S. 99116 (a) (1.2)).
The tax rate imposed on the net value of transfers to or for the use of the decedent's lineal beneficiaries is four and one-half (4.5) percent,
except as noted in 72 P.S. 99116 1.2) [72 P.S. 99116 (a) (1)].
The tax rate imposed on the net value of transfers to or for the use of the decedent's siblings is twelve (12) percent [72 P.S. 99116 (a) (1.3)]. A
sibling is defined under Section 9102, as an individual who has at least one parent in common with the decedent, whether by blood or adoption.
.
SCHEDULE A
REAL ESTATE
COMMONWEALTH OF PENNSYLVANIA
INHERITANCE TAX RETURN
RESIDENT DECEDENT
ESTATE OF Osner, Norma J
FILE NUMBER
21 - 07 - 00845
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 wilnng seller, neither being compelled to buy or sell, both having
reasonable knowledge of the relevant facts. Real property which is jointly-owned with right of survivorship must be disclosed on
schedule F.
ITEM DESCRIPTION VALUE AT DATE OF
NUMBER DEATH
1 1810 Anna Street, New Cumberland Bora, Cumberland Co. Parcel #26-23-0543-064 155,000.00
TOTAL (Also enter on Line 1, Recapitulation) 155,000.00
*'
SCHEDULE B
STOCKS & BONDS
COMMONWEALTH OF PENNSYLVANIA
INHERITANCE TAX RETURN
RESIDENT DECEDENT
ESTATE OF Osner, Norma J
FILE NUMBER
21 - 07 - 00845
All property jointly-owned with right of survivorship must be disclosed on Schedule F.
ITEM DESCRIPTION UNIT VALUE VALUE AT DATE OF
NUMBER DEATH
1 Ameriprise Financial Services #00067034843-2-021 33,113.55
TOTAL (Also enter on line 2, Recapitulation) 33,113.55
SCHEDULE E
CASH, BANK DEPOSITS, & MISC.
PERSONAL PROPERTY
COMMONWEALTH OF PENNSYLVANIA
INHERITANCE TAX RETURN
RESIDENT DECEDENT
ESTATE OF Osner, Norma J
FILE NUMBER
21 - 07 - 00845
Include the proceeds of litigation and the date the proceeds were received by the estate. All property jointly-owned with the right of
survivorship must be disclosed on schedule F.
ITEM DESCRIPTION VALUE AT DATE OF
NUMBER DEATH
1 Belco Federal Credit Union #062000 3,707.29
2 Misc. Personal Property 1,800.00
3 1992 Pontiac Bonneville 1,550.00
4 Final Pension Payment 165.89
TOTAL (Also enter on Line 5, Recapitulation) 7,223.18
*'
SCHEDULE G
INTER-VIVOS TRANSFERS &
MISC. NON-PROBATE PROPERTY
COMMONWEALTH OF PENNSYLVANIA
INHERITANCE TAX RETURN
RESIDENT DECEDENT
ESTATE OF Osner, Norma J
FILE NUMBER
21 - 07 - 00845
This schedule must be completed and filed if the answer to any of questions 1 through 4 on page 2 is yes.
ITEM DESCRIPTION OF PROPERTY DATE OF DEATH %OF EXCLUSION TAXABLE VALUE
NUMBER Include the name of the transferee, their relationship to decedent VALUE OF ASSET DECO'S (IF APPLICABLE)
and the date of transfer. Attach a copy of the deed for real estate. INTEREST
1 Ameriprise Financial Services IRA 11,720.19 11,720.19
#000670349926-5-021
TOTAL (Also enter on line 7, Recapitulation) 11,720.19
*'
SCHEDU..E H
FlH3W.. EXPENSES &
ADNINSlRATIVE COS1S
COMMONWEALTH OF PENNSYLVANIA
INHERITANCE TAX RETURN
RESIDENT DECEDENT
ESTATE OF Osner, Norma J
Debts of decedent must be reported on Schedule I.
FILE NUMBER
21 - 07 - 00845
ITEM DESCRIPTION AMOUNT
NUMBER FUNERAL EXPENSES:
A. 1 Stone & Murray Funeral Home, New Cumberland, PA 6,035.00
2 James Gingerich Memorials 1,692.00
B. ADMINISTRATIVE COSTS:
1. Personal Representative's Commissions
Social Security Number(s) / EIN Number of Personal Representative(s):
Street Address
City State Zip
-
Year(s) Commission paid
2. Attorney's Fees Kline Law Office 2,500.00
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 Register of Wills 356.00
Legal Ads: Cumberland Law Journal & Patriot News 171.86
5. Accountant's Fees
6. Tax Return Preparer's Fees
7. Other Administrative Costs
1 Liberty Check Co. 11.70
TOTAL (Also enter on line 9, Recapitulation)
14,585.00
*'
Schedule H
FmeraI Expen5es &
AaninistratNe Costs CCX1Ii1ued
COMMONWEALTH OF PENNSYLVANIA
INHERITANCE TAX RETURN
RESIDENT DECEDENT
FILE NUMBER
21 - 07 - 00845
ESTATE OF Osner, Norma J
Hepfers Ace Hardware (keys)
4.85
2
3
P. Scott Archibald Appraisals
225.00
4
Pennsylvania American Water Co.
147.28
5
Verizon
1.72
6
Comcast
3.53
7
PPL
153.18
8
New Cumberland Boro
90.27
9
Capital City Oil
621.00
10
Patriot News (classified ads)
201.92
11
Handyman Nick - Nurret Sahovic
470.00
12
Nolt's Auto Parts
86.98
13
Settlement costs less prorated credits (re: sale of 1810 Anna St.) per HUD-1 attached
1,317.07
14
Return of pro-rated pension
127.24
15
Misc. out of pocket expenses incurred by Executrix
106.30
16
Donegal Mutual Insurance
104.75
17
H. L. Bowman Plumbing
89.00
18
Donald Whipple (faucet repair)
68.35
Page 2 of Schedule H
*'
SCHEDULE I
DEBTS OF DECEDENT, MORTGAGE
LIABILITIES, & LIENS
COMMONWEALTH OF PENNSYLVANIA
INHERITANCE TAX RETURN
RESIDENT DECEDENT
ESTATE OF Osner, Norma J
FILE NUMBER
21 - 07 - 00845
Include unreimbursed medical expenses.
ITEM DESCRIPTION AMOUNT
NUMBER
1 Belco FCU VISA #4108-4229-6422-7507 1,046.03
2 East Shore Oncology Associates 1,165.58
3 Pathology Associates of Central PA 7.44
4 Snoke Family Practice 94.56
5 American Home Patient 3.60
TOTAL (Also enter on Line 10, Recapitulation) 2,317.21
REV.1513 EX+ (9-00)
*
SCHEDULE J
BENEFICIARIES
COMMONWEALTH OF PENNSYLVANIA
INHERITANCE TAX RETURN
RESIDENT DECEDENT
ESTATE OF
Osner, Norma J
I FILE NUMBER
21 - 07 - 00845
RELATIONSHIP TO SHARE OF ESTATE AMOUNT OF ESTATE
NUMBER NAME AND ADDRESS OF PERSON(S) DECEDENT (Words) ($$$)
RECEIVING PROPERTY Do Not Ust Trustee(s)
I. TAXABLE DISTRIBUTIONS [include outright sr,ousal
aistributions, and ransfers
under Sec. 9116 (a) (1.2)]
1 Colby A. Shenck Grandson 5.000.00
85 Silver Crown Drive, Mechanicsburg, PA
17050
2 Ryan A. Shenck Grandson 5,000.00
552 Prospect Street, Seattle, WA 98109
3 Leah B. Shenck Granddaughter 5.000.00
85 Silver Crown Drive, Mechanicsburg, PA
17050
Enter dollar amounts for distributions shown above on lines 15 through 18, as appropriate, on Rev 1500 cover sheet
II. NON-TAXABLE DISTRIBUTIONS:
A. SPOUSAL DISTRIBUTIONS UNDER SECTION 9113 FOR WHICH AN ELECTION TO TAXIS
NOT BEING MADE
B. CHARITABLE AND GOVERNMENTAL DISTRIBUTIONS
TOTAL OF PART 11- ENTER TOTAL NON-TAXABLE DISTRIBUTIONS ON LINE 13 OF REV-1500 COVER SHEET 0.00
REV-1513 EX+ (9-00)
*'
SCHEDULE J
BENEFICIARIES continued
COMMONWEALTH OF PENNSYLVANIA
INHERITANCE TAX RETURN
RESIDENT DECEDENT
ESTATE OF
Osner, Norma J
\ FILE NUMBER
21 - 07 - 00845
RELATIONSHIP TO SHARE OF ESTATE AMOUNT OF ESTATE
NUMBER NAME AND ADDRESS OF PERSON(S) DECEDENT (Words) ($$$)
RECEIVING PROPERTY Do Not List Trustee(s)
I. TAXABLE DISTRIBUTIONS [include outright sr,ousal
aistributions, and ransfers
under Sec. 9116 (a) (1.2)]
4 Deborah L. Shenck Daughter residual estate
85 Silver Crown Drive, Mechanicsburg, PA
17050
Page 2 of Schedule J
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LAST WILL AND TESTAMENT
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OF
. ~; (- -.,
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. ,,~" '-,
NORMA J. OSNER
,...-.
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I, NORMA J. OSNER, declare this to be my Last Will and
Testament and hereby revoke all prior wills and codicils made by
me.
FIRST: My Executrix shall pay from the residue of my estate
all my debts, funeral and administration expenses and all estate,
inheritance, succession and transfer taxes imposed by the United
States or any state, territory or possession which shall become
payable by reason of my death. It shall not be necessary to file
any claims therefor, nor to have them allowed by any court.
SECOND: I give and bequeath the sum of Five Thousand
($5,000.00) Dollars to my grandson, COLBY A. SHENCK, if he survives
me.
THIRD: I give and bequeath the sum of Five Thousand
($5,000.00) Dollars to my grandson, RYAN A. SHENCK, if he survives
me.
FOURTH: I give and bequeath the sum of Five Thousand
($5,000.00) Dollars to my granddaughter, LEAH B. SHBNCK, if she
survives me.
LAST WILL AND TESTAMENT
OF
NORMA J. OSNER
FIFTH: I give all tangible personal property which I own and
insurance thereon, to my daughter, DEBORAH L. SHENCK, if she
survives me. I direct my Executrix to sell, or otherwise dispose
of in her discretion, any such property not selected and to add the
net proceeds from their sale to the residue of my estate.
SIXTH: I give and devise the residue of my estate, real,
personal and mixed, of whatever kind and nature, and wherever
situate at the time of my death, including any property over which
I now have or hereafter acquire a power of appointment, to my
daughter, DEBORAH L. SHENCK, her heirs and assigns forever, per
stirpes.
SEVENTH:
I nominate, constitute and appoint my daughter,
DEBORAH L. SHENCK, Executrix of this my Last will and Testament, to
serve without bond or security, and to make distribution of my
estate in cash or in kind, or partly in cash and partly in kind,
and in such manner as she may determine. I authorize, empower and
direct her to sell and convey, by good and sufficient deed, in fee
simple estate, any and all of my real estate, at public or private
sale, for such price or prices, upon such terms and conditions, as
in her judgment is best for my estate, and to that end to sign,
2
LAST WILL AND TESTAMENT
OF
NORMA J. OSNER
seal, execute, acknowledge and deliver all deeds or other
instruments necessary therefor, as effectively as I could do if I
were personally present.
In the event such person does not survive me, or refuses to
act as Executrix, or does not complete the duties of Executrix,
then I nominate, constitute and appoint my grandson,
COLBY A.
SHENCK, as the alternate Executor, to serve without bond or
security.
My alternate Executor shall have all of the powers,
privileges, duties and immunities granted to my Executrix as
provided herein.
IN WITNESS WHEREOF, I, NORMA J. OSNER, the Testatrix, have to
this my Last will and Testament, set my hand and seal this
~
l?- day of April, 2006.
-,\k(\"V"- c,-.~ Cs:. ~,"V~..Y,
NORMA J. OSNER
( SEAL)
3
LAST WILL AND TESTAMENT
OF
NORMA J. OSNER
Signed, sealed, published and declared by the above named
Testatrix, as and for her Last will and Testament, in the presence
of us, who have hereunto subscribed our names at her request, as
witnesses hereto, in the presence of the said Testatrix, and of
each other. The preceding document consists of this and two (2)
other consecutively numbered typewritten pages.
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residing at
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ACKNOWLEDGMENT AND AFFIDAVIT
COMMONWEALTH OF PENNSYLVANIA
:ss. :
COUNTY OF DAUPHIN
The Testatrix and the witnesses whose names are subscribed to
the foregoing instrument, being first duly sworn and qualified
according to law, do hereby acknowledge and declare to the
undersigned authority that the Testatrix signed and executed the
instrument as her last Will in the presence of the witnesses, that
she signed willingly or willingly directed another to sign for her,
that she executed it as her free and voluntary act for the purposes
therein expressed, that each of the witnesses, in the presence and
hearing of the Testatrix, signed the Will as witnesses, and that to
the best of their knowledge the Testatrix was at that time eighteen
years of age or older, of sound mind and under no constraint or
undue influence.
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Testatrix
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Witness:1 :
Sworn to, subscribed and acknowleqged before me by the above
named Testatrix and witnesses this \~ day of April, 2006.
COMMONWEALTH or PENNSYLVANIA
Notaria i Senl
Rhonda L. Lang. Notafv Public
City ofHarrisbu;:.g. Dauphin County
My Commission :::.xpire~ Aug. 9. 2008
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Notary
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Public J
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Second Mortgage
Property Value Analysis Report
P. SCOTT ARCHIBALD REAL ESTATE APPRAISALS
1:.,..J......,.,.:.I.......-nilTililii.....J.n....,.m..I.Ur.:11 rl]1
Borrower OSNER, NORMA
Property Address 1810 ANNA ST.
City NEW CUMBERLAND County CUMBERLAND State
Phone No. Nt A Loan uested $ Nt A Term Nt A Mos.
No. of Rooms No. of Bedrooms No. of Baths Family room or den:
5 3 1 [KjYes ONo
FileNo.
Case No.
OSNER
1810 ANNA
Census
1,040
FIeld Report
r:;FBORHOOD ~ ~;n75% i ~~~u:~~% ~ ~:r 25%
Growth Rate 0 Fully Dev. Rapid X Steady Slow
Property Values Increasing X Stable Declining
Demand/Supply Shortage X In Balance Over Supply
MaJ1<eling Time Under 3 Mos. X 4-6 Mos. Over 6 Mos.
Present Land Use 70 % 1 Fanily 2 % 2-4 Fanily 3 % ApIs. 5 % Condo 20 % Convneotial % Industrial % Vacant %
Change in Present Land Use 00 Not Ukely- 0 Likely IT Chg From - - to -
Predominant Occupancy lXI Owner 0 Tenant -1....- % Vacant
SIF Price Rng $ 100,000 to $ 300,000 200,000 = Predominant Value
SIF Age 20 to 80 Yrs. Predom. Age 50 Yrs.
Note: Freddie Mac does not oonsider race or the racial oomposition of the neighborhood to be reliable appraisal factors.
Comments on factors favorable or unfavorable, affecting marketability (e.g. publiC pam, schools, noise) THE SUBJECT PROPERTY IS LOCATED
IN THE BOROUGH OF NEW CUMBERLAND, CUMBERLAND COUNTY.
Property Compatibility
General Appearance of Property
Appeal to MaJ1<et
~~~~
SUBJECT PROPERTY
Year Built ~ Units
Type (del., duplex, semi/del)
Design (rambler, split)
Exl Wall Mafl. VINYUBRICK
Property in HU[).ldentified Sp'l Flood hazard Area?
Special Energy-Efficient Items NONE
Stories
DETACHED
SPLIT LEVEL
RoofMafl. COMP SHING
o Yes IKJ No
Property Rating
Condition of Exterior
Compatibility to Neighborhood
Appeal and MaJ1<etability
Good Avg.
~ ~
Fair Poor
~ B
Comments (favorable or unfavorable including deferred maintenance)
, . . , , ,
Item Sub'eel Pmnertv Comparable No. 1 Comoarable No.2 Comoarable NO.3
Address 1810 ANNA ST. 629 PARK AVE. 510 HILLSIDE RD. 623 PARK AVE.
NEW CUMBERLAND NEW CUMBERLAND NEW CUMBERLAND NEW CUMBERLAND
Prox. to Subi. " 8 BLOCKS SOUTH 9 CI ",..."'C> SOUTH 8 BLOCKS SOUTH
Sale Price NtA te $ 165 000 . >ii,',,;, " $ 176900 :~ 174900
Date of Sale Descriotion Descriotion Adiustment Descriotion Adiustment Descriotion Adiustment
Time Adiusl NtA 8/2007 - 71DOM 1012006 - CL CST -4 OOC 312007 - CL CST -524
Location SUBURBAN SUBURBAN SUBURBAN SUBURBAN
SiteNiew 0.17 ACRES 0.18 ACRES 0.20 ACRES 0.19 ACRES
ACe 50 YEARS 49 YEARS 48 YEARS 51 YEARS
Condition AVERAGE AVERAGE GOOD -5 OOC GOOD -5 OOC
Living Area Rm Total I B-Rms. 'Baths Tetall B-Rms. I Baths Total 1 B-Rms. I Baths Total , B-Rms.TBaths
Count & Total 5 I 3 I 1 5 , 3 11.00 5 I 3 11.50 5 I 3 /1.00
GrossUvArea 1040 8o.Ft. 1300 80H -6 50C 1409 8o.Ft. -9 225 1326 80H -7150
Air Condition CENTRAL CENTRAL CENTRAL CENTRAL
Garaoe/Caroort 2 CAR DET 1 CAR INTEG +2 ooe 1 CAR INTEG +2 000 1 CAR INTEG +2 000
Porches, Patio COY POR COY POR COY POR PATIO
Pools etc. FIREPLACE -2 ooe
Special Energy- FIN FAM ROOM FIN FAM ROOM FIN FAM ROOM FIN FAM RM,1t2B -1,OOC
Efficient Items IN BASEMENT IN EXPSD BSMT -3 OOC IN EXPSD BSMT -3 ooe IN EXPSD BSMT -3 DOC
Other APPLI........ APPLIANCES APPLIANCES APPLIANCES
Net Adi. IT otal) r -I Plus IXlMinusl$ -7500 I I Plus , X 'Minusl $ -21 225 , lPluslXlMinusl$ -19397
Sub Value .,...... Net=-5% Grs=7% I $ 157 500 Net=-12o/.Grs=14'l4$ 155675 Net=-11~rs=13%1 $ 155 503
Gen. Comments I HAVE CONSIDERED ALL OF THE COMPARABLES IN ESTIMATING THE MOST PROBABLE SALES
PRICE OF THE SUBJECT PROPERTY. THIS APPRAISAL REPORT IS FOR THE INTENDED USER ONLY AND IS NOT
INTENDED FOR ANY OTHER USERS.
The information shown on this report is derived from an inspection of the neighborhood and exterior inspection of the subject property and mal1<et oomparables. The
estimated mal1<et value is based upon this information and the knowledge of the undersigned. This report is not to be oonstrued as an appraisal report.
~ Estimated MaJ1<etValue $ 155,000 as of OCT. 1.2007
TiUe APPRAISER -RL-000060-L
Completed By P. SCOTT D:-;:?~... Date OCT. 7 2007
Signature f.
ATTACH CURRENT DESCRIPTIVE PHOTOGRAPHS OF SUBJECT PROPERTY AND STREET SCENE Freddie Mac Form 704 1/86
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Page
of 6
P. SCOTT ARCHIBALD REAL ESTATE APPRAISALS
SUBJECT PHOTO ADDENDUM File No.
Case No.
Borrower
Property Address
City NEW CUMBERLAND County
Lender/Client NORMA OSNER
OSNER. NORMA
1810 ANNA ST.
CUMBERLAND State
Address
OSNER
1810 ANNA
PA.
17020
Zip Code
FRONT OF
SUBJECT PROPERTY
1810 ANNA ST.
NEW CUMBERLAND
REAR OF
SUBJECT PROPERTY
STREET SCENE
Page 2 of 6
P. SCOTT ARCHIBALD REAL ESTATE APPRAISALS
SUBJECT PHOTO ADDENDUM
Borrower OSNER. NORMA
Property Address 1810 ANNA ST.
City NEW CUMBERLAND County
Lender/Client NORMA OSNER
CUMBERLAND
Address
State
20 X 24 DETACHED GARAGE
ClickFORMS Appraisal Software 800-622-8727
File No. OSNER
Case No. 1810 ANNA
PA.
Zip Code
17020
Page 3 of 6
P. SCOTT ARCHIBALD REAL ESTATE APPRAISALS
SKETCH ADDENDUM
Borrower
ProoertY Address
City NEW CUMBERLAND County
Lender/Client NORMA OSNER
File No.
Case No.
OSNER, NORMA
1810ANNAST.
CUMBERLAND State
Address
PA.
OSNER
1810 ANNA
Zip Code
17020
19.0' 21.0'
D/A
KITCHEN BATH
BEDROOM
26.0' 26.0' 26.0' 26.0'
BEDROOM BEDROOM
LIVING ROOM
19.0' 21.0'
SKETCH CALCULATIONS Hea
D A1 : 19.0 x 26.0 = 494.0
First Floor 494.0
D KJ. : 21.0 x 26.0 = 546.0
Second Floor 546.0
Total Living Hea 1040.0
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Page 4 of 6
P. SCOTT ARCHIBALD REAL ESTATE APPRAISALS
LOCATION MAP ADDENDUM FileNo. OSNER
Case No. 1810 ANNA
Borrower
Property Address
City NEW CUMBERLAND County
Lender/Client NORMA OSNER
OSNER, NORMA
1810 ANNA ST.
CUMBERLAND State
Address
PA.
Zip Code
17020
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Page 5 of 6
P. SCOTT ARCHIBALD REAL ESTATE APPRAISALS
FileNo.
Case No.
OSNER
1810 ANNA
PURPOSE AND USE OF LIMITED APPRAISAL
The purpose of this limited appraisal is to estimate market value by performing an evaluation of real property collateral for use in a proposed
underwriting. This limited appraisal is for the use of the party to whom it is addressed and any further use or dissemination without consent of the
appraiser and addressee is prohibited.
DEFINITION OF MARKET VALUE
Market value, as referenced in OCC Rule 12 CFR 34.42(f):
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, and 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 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
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 comparable 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 judgement.
DESCRIPTION OF LIMITED VALUATION PROCESS
In performing this preliminary value analysis, the valuation process consisted of: (1) Reviewing assessment/public records and comparable
database listing information for the subject; (2) Conducting an inspection of the subject and its environs; (3) Analyzing sales of regional residential
real estate; (4) arriving at a value conclusion; (5) Writing this report.
Departures from specific appraisal guidelines included: SR 1-3 because the appraiser has presumed, for the purpose of the limited appraisal,
that the existing use of the subject property is the highest and best use; SR 1-4 because only a sales comparison analysis of value was employed
in this limited appraisal since it is the primary valuation method for residential dwelling similar to the subject. Any additional uses of the departure
provision are specifically stated in the attached appraisal report or its attachments.
SALES HISTORY
According to the data utilized in preparing the report, the property 0 has 00 has not transferred within the past 12 months.
LEVEL OF RELIABILITY
The use of the departure provision to allow a limited appraisal with a single approach to value reduces the level of reliability of this report.
RECONCILIATION
Complete weight was given to the Sales Comparison Approach as it is the approach used by most buyers when purchasing a single family
dwelling. The Income Approach was not applicable because of the lack of rental information and meaningful relevancy to the value of a dwelling
located in this primarily owner occupied neighborhood. On the other hand, the Departure Provision was utilized to estimate the Cost Approach
because the appraiser decided this omission in this limited appraisal assignment would not confuse or mislead the client or the intended users
of this report. The market value is estimated on the FHLMC form 704 or similar attached.
ASSUMPTIONS AND LIMITING CONDITIONS
" No responsibility is assumed for the legal discrimination or for matters indicating legal or title considerations. Title to the property is assumed
to be marketable. The property is appraised free and clear of any and all liens and emcumbrances, except as noted in the report.
" Information fumished by others during the course of the research has been verified to the extent possible and is believed to be reliable, but no
warranty is given for its accuracy.
" No responsibility is assumed for the effect on value of hidden or unapparent conditions of the subsoil or structures; or for arranging engineering
studies to discover such conditions.
" No evidence of contamination or hazardous materials was observed. However, the appraiser is not qualified to detect potential hazardous waste
material that may have an effect on the subject property. The client may wish to retain such an expert if he desires.
" Sketches and other illustrative material are included only to assist the reader in visualizing the real estate and its environs, are based on data
developed and supplied by others, and are not meant to represent a surveyor as-built plan.
" Any distribution of the total valuation among land, improvement, and/or other components applies only under the stated program of utilization
and must not be interpreted or used as individual values for other purposes.
. The appraiser is not required to provide consultation, testimony, or attendance in court by reason of this assignment, unless such services have
been assigned in contracting the assignment.
. Possession of the report or a copy thereof does not carry with it the right of publication, and it may not be used for any purpose by anyone other
than the addressee, without the written consent of the author and addressee. Even with such permission, out-of-context quoting from and/or
partial reprinting of the report is prohibited. The report is an integrated entity and is only valid in its entirety.
. Neither all nor part of the contents of the report shall be disseminated to the public relations, news, sales, or other media without the prior written
consent and approval of the author.
LIMITED SCOPE APPRAISAL CERTIFICATION
I certify to the best of my knowledge and belief that: the statements of fact contained in this report are true and correct; the reported analyses,
opinions, and conclusions are limited only by the reported assumptions and limited conditions and are personal, unbiased, professional analyses,
opinions and conclusions; I have no present or prospective interest in the real estate and have no personal interest or bias with respect to the
stipulated result, or the occurrence of a subsequent event; the analyses, opinions and conclusions were developed and the report prepared in
conformance with and subject to the requirements of the Uniform Standards of the Professional Appraisal Practice of the Appraisal Foundation;
the appraisal assignment was not based upon a requested minimum valuation, a specific valuation, or the approval of a loan; 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(s) 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 each 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 not take the responsibility for it.
SUPERVISORY APPRAISER'S CERTIFICATION
If a supervisory appraiser signed the appraisal report, he or she certifies and agrees that: I directly supervised 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 certification above, and am taking full responsibility for the appraisal and the appraisal report.
PROPERTY ADDRESS: 1810 ANNA ST.. NEW CUMBERLAND. PA. 17020
APPRAISER: ~ .---7
Signature: ~ q---1,f ~-~
Name: P. SCOTT ARCHIBALD
Date Signed: OCT. 7, 2007
State Certification #: RL-000060-L
or State License #:
State PA.
Expiration Date of Certification or License: 6/30/09
[Xl Did n Did Not Inspect the Interior of the Properly
SUPERVISORY APPRAISER (only if required)
Signature:
Name:
Date Signed:
State Certification #:
or State License #:
State
Expiration Date of Certification or License:
n Did n Did not Inspect properly
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Page 6 of 6
INVOICE
Date: OCT. 7, 2007 File No. OSNER
Case No. 1810 ANNA
Prepared for:
NORMA OSNER
Property Appraised:
OSNER, NORMA
1810 ANNA ST.
NEW CUMBERLAND
Work Perfonned:
APPRAISAL FEE $ 225.00
PAID IN FULL $ (225.00)
$
$
$
$
Total Amount Due: $ 0.00
Please make checks payable to:
P. SCOTT ARCHIBALD
5955 L1NGLESTOWN RD.
HARRISBURG, PA 17112
ClickFORMS Appraisal Software 800-622-8727
BOOK 17 PAGE 0
IDl1is luhtulurt f
MADE THE ~ Jl(P ~ day of ;~e ;,, tlte y"ar of our Lord
O,u Thousand NJ'u H,mdr"d alldFifty-seven (1957)
ilttutttu
F. B. HARTl>1AI~ and UUP..A 1-1. HART~'IAN, his wife,
G. L. HARTl'IAN and LYDIA E. HARn-lAN, his wife,
of the Borough of New Cumberland, County of
Cumberland, and state of Pennsylvania, yRAN1DRS,'
parties of the first part,. " J -. .'l'.~,
AND
C. vlELCH OSNER and NORHA J. OSNER, his wife, of
the Borough of New Cumberland, County of CUlIIber-
land, and State of Pennsylvania, GRANTEES, parties
of tlu' saowl part: 1IllIitut.!i.!irt4. That the s;zid parties of tlu first part, for alld ill
COllsideratioll of tlte sum of Eighteen Hundred and No/WO ($l8OO.oo) Dollars - - - - - -
lowflll mOlley of tlte U'litcd States of America, well atld truly paid by tlte said pa,'t ies of the
secolld part to the said pal't ies of tlte first part, at alld befon the sealiug alld delt'1!ery of tMu
presellts, the l'eecipt wlureof is hereby acktlowledged, have g,'allted, bargailled,
sold, alielled, elifcotf,'d, released, co!",e)'ed and cOl1fil'lued, aud by tnN" preseuts do grallt, bargail1,
sell, aliell, l'1lf",~f1, release, cOllvey aud COil firm Ullto the said part ies of the secolld pad, their
lui,'s alld assiglls,
All that certain lot of land situate in the Borough of Ne>... Cumberland, County of
Cumberland, and state of Pennsylvania, more particularly bounded and describ-
ed as follows; to vdt:
BEX.fINNING at a point on the western side of Anna street at the division line betwee
Lots Nos. 62 and 63, on plan hereinafter mentioned, which point is three hundred
fifty (350) feet south of the southwest corner of Anna and Carol streets; thence,
westwardly by said division line, at right angles to Anna Street, one hundred fifty
(150) feet to a twenty (20) feet wide alley; thence, southwardly by the eastern
line of said alley, fifty (50) feet to the division line between Lots Nos. 63 and
64; thence, eastwardly by said division line, at right angles to Anna Street, one
hundred ,fifty (150) feet to Anna Street; thence, northwardly by the western line
of Anna Street, fifty (50) feet to the place of BEDINNING.
BEING Lot No. 63, Plan of Haldeman Plot, recorded in the Cwnberland County Record-
er' s.. O.ffice in Plan Book No. 2 Page 48. LL...~~ \9:.v~~. .A.L-,.t~~ '.- ,,,)'" ...&,......1
. . '<9..' D ~..' , .... v ;.;:- \ I''\. '." \,;;;;; I
~\"-' d...,Jv.J~' .. ~\ 'V--""'...Jo.AA. .~...........""".h', (I".... \..... .,'\ \, I:;) (",l.............,..,........." -.iF\.".. ~ '\ \ ;..... ,,~,
BEING apart of the same premises which Caroline Haldeman Bigler Brandt and D.
Bailey Brandt, her husband, S. Haldeman Bigler and Laura Deppen Bigler, his wife,
by deed dated March 15, 1930, and recorded in the Cumberl&1d County Recorder's
Office in Deed Book "G", Vol. 11, Page 112, granted and conveyed unto F. B. Hart-
man and Laura I'i. Hartman, his vdfe, G. L. Hartman and Lydie E. Hartman, his wife,
parties of the first part hereto.
UNDER AND SUBJECT to certain conditions and restrictions now of record, excepting
those, if any, imposing restrictions upon sale or occupancy on the basis of race,
creed or color, v/hich it is expressly :j.ntended shall not be imposed or reimposed
hereby.
NEW CUMGERLAND
BOROUGH 1\i'W SC::!DOL DiSTRICT
rUi.?.l r;~Ti\H fl\:\n~::~K TAX
A ou ,c.f.,~......Ol!lt. JUN 2 6
1S51
BOOK
(iJngtt4tr wit/, all alld singular, thr buildings, improvrmeuts, woods, ways, riglLts, liber.
ties, p,'ivikges, lureditammts aud appurtenances, to tlu same belonging, or iu anywise appertaining
and tlu rrversiou and reversio1/s, re'/tainder aILd remainders, rn,ts, issues and profits theno/, and
of every part and parcel the,'cof; .Anil alsu, all the estate, right, title, interest,
property, possession, claim al,d demaud what-
sonur, both i" law al.d equity, of tlu said parties of the first part, of, t'n, to or out of tlu said
premises, aud e1Je,J' part aILd parcel thereof, with tlu appurtenal'us:
Wn 4aut null tn hnill the said pI'emises, with and St"'gula!' tlu appurtmanus, uuto
tlu said parties of tlu second part, their hei,'s and assiglls, to aud for the
(J/lly pr"per use, bOle fit aud bd,oof oj tlu sat'd pal'ties of tlte seem,d part, their heirs
aud assigILs forever.
!\ub THE SAiD parties
of tlu first part,
their
heirs, execut"rs aILd admillistrators, lln
to and wt'th the said part ies "l tlu
cver, that they, thc said parties
by these preseILts, cove/,ant, grant alld agru,
St!cond part, their heirs and asStgns for-
of tlu first part,
their
h,'irs all a,ui si1lgular the lureditamcuts aud premises herd" abu7Je described ami graltted or 11101-
tioned, and intended su to be, witl, tl,e appurtenallCCs, UI,tO the said partieS of the secolld
Pat't, their heirs al,d assigILs, agah,st the said parties of the first pal't aILd their
l,drs, agai"st all alld every other person or persons wl,011lsoever, lawfully claimillg or to claim
same or al'Y part tlureof,
SHALL at,d WILL,
by tluse pro'seuts, WARRANT audforever DEFEND.
Ju lllllitUt.6.6 1lI4trtnf. tlu said parties of tlu first P'll't to theSt! presents have
hereunto set their ItalldS aILd seal s. Dated tIle day alld year first above writtm.
j;tgUfil. j;falril anti m,littfffll
in tlff 'r,.,utf of:
,-~Jl.iiA<<k~-----.;-.----------_n__(SEAL)
~
._.-~.h1._1~'.......m._'m.(SEAL)
.A.;t.--.~i..4~.~.--.....-.--..--.(SEAL)
.'k~.Mc--t;..tL~~.____.._...(SEAL)
...--..---.---------.----- -- .... ----. .-----. ..______...._..._.______.. (SEAL)
..______._.m_______.__..__m__.._____...._________......_...__ (SEAL)
....--.................._______________....+___.__....__ (SEAL)
;
..-..--....-....._.._........__...__..........";".._._........... (SEAL)
.....--. __m_..............._............m...._......_........... (SEAL)
.-..-..----------_.._..._..__..__..__..__..__...._.._. (SEAL)
..___.........n._____..._____. _...__...........::.._..........__. (SEAL) \
.......______...__.___________________.._______________________ (SEAL)
R.-'::;~ <;:'l"EI'lEQ IJ'fH1li
BOOK t.U17 PAGE582 ~'-- 19
STATE OF PENNSYLVANIA }SS: ~~... '50"
COUNTY OF.. ClJl;'~........... ......
011 this. . . ./l,/Q ~. . day oj. . . . . J\ll1.e. . . . . . . . . i1l tlu y~ar O,u Tholtsatld Nhu Htmdr~d
attd ..e:i!ty:-,s.~~en . (:1.957). . . . . . . . . . b~fon 11l~,. fl.. J{q1;q.J;'"",f. fv.p;L;i.c." . . . .. tlu It11d~rsigtud officer,
p~rsottally appumd . f,. J3... MEU':ltN. p.nd. .1.J\\1lM. tl~. lW\'.I;jv).Jl.l':l,. h;i..s. .vdf:e;. v,. ;r.... JiP.H~K iJJ1A
LmllJ.. E:,. JfJ\.n'Um,. hip. .'Id:t:e, . . . .. . .. . . . . ..... .. ., . . . . . . . .. . . . . . . . . .. . . . ... .. . ..... . . . .
...... ...... ............ ...... ....... ............. ........ ....... ... ... ............ ......
known to me (or satisfactorily provm) to b~ th~ p~rso't:!... 1t'/l(IU IJat1/l5. .e.:r~. .. s1tbscrib~d to tlu
witltill illst1"1l1ll~lf.t, alld ackllowledg~d tilat . tlu Yo o:uutui th~ sam~ ro,. the purpose tlurehl cotlfai,u"
and desired th~ sa1lt~ might b~ recorded as sucil.
._,.\~o ...fu1/lIe,fS wltet'eoj, I il~rmnto set my halld aud .. N.o;t.a,tiq.~. . . .. ual.
o oo~~~~.'<~~
Mo..1Uli' ?",. . .
,;:::~"I".. }O~\i. ........~~. .~)\-:..~~.....~........
1P.(.tJ~r,;: rr1l NOlo.,.. Public
'\"~ :"'fi<lN ....~l"'..;
'. .. '.;tI ..... c., i .. . :l...Jt \ ,r.. I. I
~ ,~ ";.,- , :- of My comm....OB GplrCll_...__~_ _..___")_\11_1_ ______ ______
'!~~O~"""S y~~~. .".....: .. JOHN DAVID KILMORE. Notary Public
'~;'I,,~ I? Y ~~~...,.. Lower AIlen Twp., CumberlaDd County
,___;;t... My c-~;";OQ E&pirao Fobo:U&1)' I, 1961
3l1,rrrbg C!!rrttfg t~at tlte preciu
New Cumberland, Pa.
RECURDi!l.DFf'ICE OF THE
CLE~K llF COUftTS &
IIECORIlE~ OF DEEOS
residmce of th~ withiu Grautu is. Np... .J. 7Q9. EJ40. S.t.I:eet, . . . .
I: t./-:3 ~/Il
,. G,.atlta.
CUMBERLAND COUNT'I'
I'EHHSYLVAHUI
I. ~ ..;. ..;.
.;;
~ li ~
~ al. e-.
~ \L
~ ~ ~ ~ \L .(
:I! i! . < Il.
&i ~ c...: <:.> 8: ~ a:
(': i~~~ "-t 0 l.:) ci
"
l-lJ rn z t.n 0: 0\ .. &! w z
'?: U) 0< -g W ~ 0 0(
~ 0 0 .-{ ~ .~ ~ :,-. "cl Il. .J
It
~ .~ . ~ :S .. :J ..
\.9: ::r: ...; ~ ~ ~ m
'-...: (.lJ ::r: ~ foil ~ ~ .:! oS ~ iii :l;
~ ~ aI. .; ::l
~: ~iil...1;:i ~ ~ l>o "69- 1 .~ ..J Ll
Q) "" '" w
;::J !2l g 'D: g ..,.' . . ." U> ~
.'" ~ '::i . 0 0 C> i' 00' .. U> ..
<; ~ 0--'1 Z ""! .. '" ~ 'IS :J Z
CI ~ P-! ',;:: a:
:2\ :z; .. ~ ~ .s 8 ~
'i +>: .; ~ ~ ~ '" t5
s ~ .~ ~ .e-
~ +>. .., '"
.. o. " " .. ~
~ '" .-l. 0. ~ " c "t
t.; p.. 0 I<: r.l
NSYLVANIA, I
\ S5:
.. ..................... ......... COUNTY,
Recorded 11\T THE OFFICE FOR RECORDING OF DEEDS, INAND FOR THE
COUNTY OF..~..IN DEED BOOK.#. VOL.~ /7 .PAGE.~()
Witness JfY HAJ.lD AND SEAL OF OFFICE, THIS ..2'4......................
DAYOF..~HHH.'NC~~"
!
.,r
A. . B. TYPE OF LOAN:
U.s. DEPARTMENT OF HOUSING & URBAN DEVELOPMENT 1-OFHA 2-DFmHA 3.I!ICONV. UNINS. 4-DVA 5.DCONV. INS.
6. FILE NUMBER: 17. LOAN NUMBER:
SETTLEMENT STATEMENT 01924 1860748310
8; MORTGAGE INS CASE NUMBER:
C. NOTE: This (ann Is furnished 10 give you a slelement of sctual settlemant costs. Amounts paid 10 and by the settlement agent a/'8 shown.
/Iems marked "(POCr WS/'8 paid outside the closing; they a/'8 shown he/'8. for Infonnational purposes end a/'8 not Included In the Iolels.
1.0 3Ill8 (01924.PFOOl924111)
D. NAME AND ADDRESS OF BORROWER: e. NAME AND ADDRESS OF SELLER: F. NAME AND ADDRESS OF LENDER:
Donald M. Whipple, Jr. and Deborah L. Shenck, Executrix of the Estate of Reliant Funding Group
Emily J. Stahly, AdulllndMduals Norma J. OBner Manor Oak 111910 Cochran Road Suite 545
1810 Anna street Plltsburgh, PA 15220
New Cumberland, PA 17070
G. PROPERTY LOCATION: H. SETTLEMENT AGENT: 25-1876783 I. SETTLEMENT DATE:
1810 Anna Street Abstract Settlement and Properly Services, Inc
New Cumberland, PA 17070 February 22, 2008
Cumberland County, Pennsylvania PLACE OF SETTLEMENT
26-23-0543-064 714 Bridge Street
Borouatl of New Cumberlllnd New Cumberland, PA 17070
J. SUMMARY OF BORROWER'S TRANSACTION -I<. SUMMARY OF SELLER'S TRANSACTION
100. GROSS AMOUNT DUE FROM BORROWER: 400. GROSS AMOUNT DUE TO SELLER:
101. Contract SlIles Price 160 000.00 401. Contract SlIles Price 160 000.00
102. Personlll Pl'OII8rtv 402. Personal Prooertv
103. s~ent Chllroes to Borrower (Line 1400) 6 075.47 403.
104. 404.
105. 405.
Adlustments For /Iems Paid Bv Seller In advance Adiustments For Items Peid BVSeller In advance
106. CliVfTown Taxes to 406. CilvfTown Taxes to
107. Countv TlIX8s 02123108 to 01101109 590.22 407. Countv TlIX8s 02123108 to 01101109 590.22
108. SchoolTaxes 02123108 to 07101108 489.87 408. School Taxas 02/23108 to 07101108 489.87
109. SewerPlIid 02123108 to 04101108 16.41 409. Sewer Paid 02123108 to 04101108 16.41
110. 410.
111. 411.
112. 412.
120. GROSS AMOUNT DUE FROM BORROWER 167,171.97 420. GROSS AMOUNT DUE TO SELLER 161,096.50
200. AMOUNTS PAID BY OR IN BEHALF OF BORROWER: 600. REDUCTIONS IN AMOUNT DUE TO SELLER:
201. Deoosll or earnest money . 1.000.00 501. Excess Deoosll (See Instructions)
202. Principal Amount of New Loan Sf 152.000.00 502. Settlement Charaes to Seller (Line 1400) 2413.57
203. Existlna loanls) taken subiect to 503. Exlstina loanls\ taken sublect to
204. 504. Payoff of first Mortgage
205. 505. Pavoff 0 second Mortaaae
206. 506.
207. 507. lDeo081\ dlsb. as oroceeds\
208. 508.
209. 509.
Adiustments For /Iems Unoald Bv Saller Adlustments For /Iems Unoald Bv Sellar
210. CilvfTown Taxes to 510. CilvfTown Taxes to
211. CountvTaxes to 511. Countv Taxes to
212. School TlIX8s to 512. School Taxes to
213. 513.
214. 514.
215. 515.
216.. 516.
217. 517.
218. 518.
219. 519.
220. TOTAL PAID BY/FOR BORROWER 153,000.00 52.0. TOTAL REDUC770N AMOUNT DUE SELLER 2,413.57
300. CASH AT SETTLEMENT FROMfTO BORROWER: 800. CASH AT SETTLEMENT TOIFROM SELLER:
301. Gross Amount Due From Borrower ILlna120\ 167 171.97 601. Gross Amount Due To Seller ILlne 420) 161 096.50
302. Less Amount Paid BvlFor Borrower {Line 220\ ( 153,000.00 602. Less Reductions Due Seller {Line 520\ ( 2,413.57l
303. CASH ( X FROM) ( TO) BORROWER 14,171.97 603. CASH ( X TO)( FROM) SELLER 158,682.93
OMB NO 2502.0266 ....
Borrower
pages 1 &2 of this statement & any attachmants referred to herein.
....~J~.J:I ~
Norma J. Osner
Page 2
'. L. SETTLEMENT CHARGES
700. TOTAL COMMISSION BasecI on prtce $ ...:,p..../lll .... % PAlO FROM PAlO FROM
DMslon of commission {//ne 7001 as Follows: BORROWER'S SELLER'S
701.$ to FUNOS AT FUNDS AT
702.$ to .. SETTUEMENT SETTlEMENT
703. Commission Palcl at settlement
704. to
BOO. ITEMS PAYABLE IN CONNECTION WITH LOAN
801. Loan Qrlalnatlon Fee % to
802. Loan Discount % to
803. Appraisal Fee to Apex AppraisalS 325.00
804. CI'IldIt Report to
805.l.ender'1IInspectlon Fee to
806. Molta...e Ins. ADD. Fee to
807. Assumption Fee to
808. nderwrttlilaFee to Reliant Funding Group 495.00
809. Mortaage Broker Fee to A Plus Mortgage Solutions, Inc. 500.00
810. Document Prep Fee to RelianfFunding Group . 150.00
811. Flood Certification Fee to Reliant Funding Group 20.00
812. Funding Fee to Reliant Funding Group 35.00
813. YSP Paid by Reliant Funding TO A Plus Mortaage Solutions (.524%) POCL $796.48
814.
815.
816.
817.
818.
819.
820.
BOO. ITEMS REQUIRED BY LENDER TO BE PAID IN ADVANCE
901. Interest From 02/22108 to 03101/08 @ $ 25.860000/dav { 8 dayS %} 206.88
902. Mortaaae Insurance Premium for months to
903. Hazard Insurance Premium for 1.0 vears to Stone & Edwards Ins. Aaencv #9824702246331 399.00
904.
905.
1000. RESERVES DEPOSITED WITH LENDER
1001. Hazard Insurence 3.000 months $ 33.25 oar month 99.75
1002. Moltaaae Insurance months $ 69.67 oer month
1003.'CltYlTown Taxes months $ -.....r month
1004. CountY Taxes 2.000 months $ 57.52 Dflr month 115.04
1005. School Taxes 9.000 months @ $ 115.83 per month 1,042.47
1006. months Ifil S -oar month
1007. months tfJ) S Mr month
1008. Ann......ate Adlustment months tfJ) $ ner month -487.21
1100. T1TlE CHARGES
1101. Settlement or Closlna Fee to ,
1102. Abstract or T1tIe Search to
1103. TltIA examination to ...
1104. TItle Insurance Binder to
1105. Document Preparation to Abstract SetUement and Prooertv Services Inc 35.00
1106. NotBrv Fees to Barbara Wolfe 30.00 10.00
1107. Attomey's Fees to
flne/ucles above item numbers: I
11 08. Title Insurance to Abstract Settlement and Pro....rtv Servlces Inc. Basic 1 158.75
flne/udes above item numbers: . I
1109. Lender's Coverage $ 152,000.00
1110. Owner's Coverage $ 160,000.00 : 1,158.75
1111. Ends 100,300,8.1 to Abstract Settlement and Properly Services, Inc 150.00
1112. Closing protection Letter to Stewart Title Guaranty Co. 35.00
1113. Wire Fee to Abstract Settlement and property Services, Inc 20.00
1114. OVemlllhtFee to Abstract settlement and Property Services. Inc 35.00
1115.
1116.
1117.
1118.
1200. GOVERNMENT RECORDING AND TRANSFER CHARGES
1201. Recording Fees: Deed $ 38.50; Mortgage $ 54.50; Releases $ 93.00
1202. CltvlCouiilVTaxlStamos: Deed 1 600.00' Mortaaae 1 600.00
1203. State TaxlStamos: Revenue Stamos 1 600.00; Mortaaae 1 600.00
1204.
1205. 2008 CounlYlTownshlp Taxes to Robin Gasoerettl Bill #2050 690.16
1300. ADOI11ONAL SETTLEMENT CHARGES
1301. Survey to
1302. Pest Insoec::tlon to
1303. TaxCertFee to Robin GasnArettl 10.00
1304. QuarterlY Trash to Borouah of New Cumberland 17.79 24.81
1305. Final Sewer: 1011107-3131108 to Borough of New Cumberland 2 qtrs @ 39.30 78.60
1400. TOTAL SETTLEMENT CHARGES (Enter on U~ 103 SectIon J and &02. Section Kl 6,075.47 2,413.57
By II9*'v _1 OItI1II--.l, lhelignolortoo-'-' .-IplOl.~COl'YOI_2 OItI1IItwo___
e/:r':'bJUA~ bt /~b-
Abstract Settlement and Properly Services, lie
Settlement Agent
Certified to be a true copy.
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