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THE MATTER OF JANETTE NEELY IN THE COURT OF COMMON PLEAS
AN ADJUDICATED CUMBERLAND COUNTY, PENNSYLVANIA
INCAPACITATED INDIVIDUAL ORPHANS COURT DIVISION
NO. 21-08-0032
PETITION TO SELL REAL ESTATE
TO THE HONORABLE EDGAR B. BAYLEY:
AND NOW, this 13th day of April, 2009, comes the guardian,
Constance E. Stoneroad, of Keystone Guardianship Services, of
the above-captioned incapacitated individual, and petitions as
follows:
1. Keystone Guardianship Services was appointed Guardian
for Janette Neely, an alleged incapacitated person by the
Cumberland Country Orphan's Court by Order dated March Stn
2008(see copy of Order attached as Exhibit "1").
2. Janette Neely is presently a resident of Country
Meadows located at 451 Sandhill Road, Hershey, Dauphin County
Pennsylvania 17033.
Page 1 of 4 Pages
Estate Janette Neely An Incapacitated Person
3. Keystone Guardianship Services has been working on
selling the real estate owned by Janette Neely in order to have
funds readily available for her personal and medical care, as
well as continual real estate maintenance.
4. Janette Neely is the sole owner of a piece of real
estate known as 3090 Spring Road, Middlesex Township, Cumberland
County, Pennsylvania (Parcel No 21-13-0966-018) (See copy of the
Deed attached as Exhibit "2").
5. Said Real Estate was appraised by Diversified
Appraisal Services, 35 East High Street, Suite 101, Carlisle, Pa
17013 for Ninety Two Thousand ($92,000.00) Dollars. (See copy of
the appraisal attached as Exhibit "3").
6. Said Real Estate is assessed at $109,660.00 X 1.22
bringing the assessed value of the real estate to
$133,785.20(see copy of the assessment information attached as
Exhibit "4").
7. Said house is in dire need of repairs and renovations.
Page 2 of 4 Pages
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iN RE: JANETTE NEELY ; !N THE COURT OF COMMON PLEAS OF
• :CUMBERLAND COUNTY, PENNSYLVANIA
' ~ : 21-08-0032 ORPhIANS' COURT
ORDER OF COURT
..
AND NOW, this ~~---day of March, 2008, this court having this date •
appointed Keystone Guardianship Services NPC as plenary guardian of th® person and
plenary guardian of the estate of Janette Neely, the order entered on January 10, 200$,
appointed Cumberland County Aging and Community Services as emergency plenary
guardian of the parson and emergency plenary afthe estate of~Janette Neely, IS
VACATED AS OF 7'HtS DATE.
By the
Edgar B, Bayley, J,
Anthony L. DeLuca, Esquire
For the Area Agency on Aging
~..
Roger Morgenthal, Esquire
1=or Janett® Neely
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set my hand and the,seai
of sold Court at Ce~iisle. PA
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EXHIBIT "1 "
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iN RE; JANETTE NEEDY ~~~ : IN THE COURT OF COMMON PLEAS OF
:CUMBERLAND COUNTY, PENNSYLVANIA
21-48-4x32 ORPWANS' COURT
' ORDER OF COURT
AND NOW, this ~ day~of March, 2408, following a hearing, lT IS
ORDERED:
(1) Janette Neely is adjudicated an incapacitated person In need of a plenary
guardian of hi~r person and plenary guardian of her estate.
(2}. Keystone Guardianship S®rvices NPC is appointed plenary guardian of the
person ofi Janette Neely and plenary guardian of the estate of Janett® Neely.
(3) Keyston® Duardianship Services NPC shall be paid for its services in
accordance with its regular fee schedule.
(4) As guardian of tho estate of Janette Neely, (1) Keystone Guardianship
Services NPC, may, without prior court approval, invade prEncipal as necessary for
payment of expenses' and debtsR and (2) is au#horized to ant®r into listing gontracts for
the sale ai' real estate; however, court approval shall be required prior to signing of any
contract of sale. ~ ~ ' ~ .
(5} No parry other than the guardian of the person shelf have the right to remove
the incapacitated person from her residence at Arden Court, Harrisburg, Pennsylvania,
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and no other party sha~li interFers with her care or othennrise disturb her ~~e and ~'
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trap uili To ensure the securit and well beln of the Inca acitated r~r ~
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representatives of Arden Court shall have the authority to use their disct~~Gwhicl~ may : ~;~
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include restriction of visits or other contactwith the incapacitated per~or
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(5) Keystone Gui~rdianship Services NPC shall comply with the reporting
r®quirements.set forth in 20 Pa.C.S,A. Section 5521 ~c),
By the ~r~rf; ~~
Anthony L. DeLuca, Esquire
For the Area p-gency on Aging
Roger Morgenthal, Esquire
For Janette Neely .
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Edgar B. Bayley, J.
p ~'RtlE CQ?Y FROati RECORD
to Testirnvny wharof, f hereunto .
set my tend and the seal
! _~o~f s~.a~id~Caurt at Caritsle, ~A
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IN RE: JANETTE NEELY IN THE COURT OF COMMON PLEAS OF
:CUMBERLAND COUNTY,~PENNSYLVANIA
21-08x0032 ORPHANS' COURT
IN RE: PETITION POR AD.fUDIC~ATlON OF INCAPACITY AND APPOINTMENT OF
GU_ A13~1E1N O~ F ThIE PERSON A_ IUD GUARD[AN OF THE .ESTATE OF
JANETTE NEELY
n~F1VIOf2ANDUM OP NION AND ORD R OF CQIJRT
Baytay, J. March 5, 2008:-
Janette Neely, age 84, is currently e resident atArd®n Court,~Harrisburg,
Pennsylvania, a facility specializing in the care of Alzheimer patients. We rind that due
to her Alzheimer diseas®, her abi["rty to receive and evaluate information effectively and
communicate decision acre impaired to such a significant extent that she is unable to
.manage her f(nancial resources and unabie to meet essential requirements for her
physical heath and safety. Her prognosis is for further~mental• deterioration. We filed
that she is an •incapacitated person in n~e~ of a plenary guardian other person and
plenary guardian of her estate for an indefinite period. Neely, who is represented by
private counsel, requests that FC®ystone Guardianship Services NPC be appointed
plenary guardian of her parson and pienary guardian of her estate. Based on the above
findings, the following order is entered.
~ She suffers from hypertension, asthma and renal disease.
ORDER F COURT
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AND N4V11, this , '~ °~'~-~-- ..day of,March, 2008, following a h®aring, IT IS
ORDERI~I0:
(1) Janette Neely is adJudicated an incapacitated parson in need of a plenary
guardian of her person and plenary guardian of her estat®.
(2) Keystone Guardianship Services NPC is appointed plenary guardian of.the
person of Janette Neely and plenary guardian of the estat® of Janette Neely.
(3) Keystone Guardianship Services NPC snail be paid for its services in
accordance v~ith its regular fee schedule,
(4) As.guardian of the estate of Janette Neely, (1) Keystone Guardianship
.Services NPC, may, without prior court approval, invade principal as necessary for
payment of expenses and debts, and t2) is authorised to enter into fisting contracts for
file sa!® of real estate; however, court approval shall be required prior to signing of any
contract of sale.
(5} .No party other than the guardian of the person snail have the right to remove
the incapacitat®d person from her residence at Arden Court, Harrisburg, Pennsylvania,
and no other party shall interter® wifh her care or otherwise disturb her peace and
tranquility. To ensure~the security and well being of the incapacitated person,
representatives of Arden Court sfiaii have the authority to use their discretion which may
include restriction of visits or other contact with the incapacitated person.
. (6) Keyston® Guardianship Services NPC shall comply with the reporting
requirements set forth in 2Q Pa.C.S.A. Section bb21(c},
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Anthony l,. Deluca, Esquire
For the Araa Agency bn Aging
Roger Morgenfihal, Esquire
For Janett® Neely
By tha
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Bayley, J.
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'Ja5'~3 ~~utrrll ?excel#21.130966-0'19
THIS INDENTURE •
MADE this ~' day of September .1998.
BETWEEN
EDWIN L KISTLER and BETTY V. McNEW, Co-Executors of the last WIII and
7aetamant of Viola C, Kletlar, isle of Middlesex Township. Cumberland County,
Pennsylvenla: GRANTOR
AND ,
JANETTE 1. NEELY, single woman, of Carlisle Borough, Cumberland County.
Pennsylvania; -GRANTEE
WHEREAS Vlole C. Kistler died February 9, 1998, testate seized of certain
land attuete in Middlesex Township, Cumberland County; and
WHEREAS the will of the geld V1ola C. Kietlar dated Juns 2ti, 1980, wa•
du1Y Probated In the Office of the Register of Wills In and For Cumberland County,
pennsYlvonie, an March 2, 1988, end Lenore Tenementary ware prsntod to Edwin
~, Kinler and Batty V. McNaw, tho above named Co•Exacutors to M21-9B-0193;
and
WHEREAS Sactlon 3351 of tho Probato, Eetatee and Fiduclarles Code i20
PS. 3361) confer. upon Exacutorfsl tho power to sail et public or prWete solo, any
reel estate not epecitically devkod; and
WHEREAS the hereinahar described premises were not apeclfically devised;
and
WHEREAS tho said Executorial wore not roquirad to file any bond to secure
faithful performance of their dudes.
NOW THIS INDENTURE WtTNESSETH that the sold Co-Executors of the
Earete of• viola C. Kistlor, deceased, for and In conaideretion of the sum pf Sevanty-
ItooK 104 racE11.04
EXHIBIT ..Z„ .......... _., ,. .
Pare 9endred
one Thousand/and 00/100 Dollars te71,500.00) In lawful money of the Unltee
States, to them In hand paid by the said GAANTEB at and before the sealing end
delivery hereof, the receipt wheroo( Is hereby acknowledged they have prantod,
bargained, sold, aliened, released and confirmed, and by theeo preaer~ doss grant,
bargain, Bell, alien, release end confirm unto the sold GRANTEE, her hairs and
esslgna:
ALL Ti~tAT CERTAIN tract of lend with the Improvements thereon erected
shuate In the Township of Middlesex, County of Cumberland and Stets of
Pennsylvania, bounded and described es follows:
BEGINNING et s point, said point being located in the center of Spring Road,
Pennsylvania Route 3a et the oommon property comer of the Eacata of Georps E. end
Viols Kistbr end Isnd of Edwin L end Phyllis A. Kistler, thence along land of Edwin L-
and PhyRie A. Kistler, North 34 degrees 68 minutes 4o seconds West, s distance of
469.73 feat to o point et the common property of the Estate of George E. and Viola
Klatler and land of EdwM 1. and phyllb A. Klatlsr and also being located on the
progeny lure of Dennis R. Deitch; thence sloop land of Dennis R. Deitch end lend of
Nicholas Yanleh, Jr., .lalorma M. Yanlch and Rscheel E. Merte, Nonh 61 dsOroes 00
minutes 00 seconds F.ert, a dlatanes of 270.00 feet to a polne located on the
property line of Nicholas Yanloh, Jr., Jelonne M. Yanlch and Rachasl E. Marta at the
common property comer of the Estate of George E. end Viola Kiatbr and Isnd of
Janos R. and Carol S. HsrNs; thence along land of JemeB R. end Carol 3. Harris and
tend of Catharine W. Penner, South 34 dagresa 42 minutoa 82 seconds East, e
dlatence of 282.54 feat to a point M the center of Spring Road, Pennsylvania Route
34 at the common property comer of the Estate of George E. and Viols Kletlar and
Catharine W. Penner, thence in end through the macadam oartwey of Spring Road,
Pennsylvania Route 34, South 25 degrees 52 minutes 06 seconds West, a distance
of 308.00 foot to the point of eEGINNIN~.
CONTAINING 2.281 acres.
BEING the same tract which 1Mlson P. Weary and Annie E. Weary,-hie wife,
by their peed dated March 6, f 932, end recorded In the Cumberland County
Recorder of Deoda Offk:e in Deed Book "H", Vol. 1 t. Pape 183, premed and
conveyed unto Oeorpe E. Klsger and VIOIe Kistler, hie wife, The sold Georps E.
Kistler died September Za, 1971, thereby vestin8 full title In his wife, Viols Kistler.
TOGETHER with all and singular ways, waters, water-courses, rights,
liberties, privilopss, haradkaments and appurtenances whatsoever thereunto
belonging, or In anywise appertalnlnp, and the reversions and remainders, rants,
6ouK i$4 ~c1:11U5
Issues and profits Thereof; end also, all the estate right, title, Intoreet, uee cruet,
property, poeeeseion, clelm and demand whatsoever, In law, equity or otherwise
howsoever, of, ln, to or out of the same.
TO NAVE AND TO HDL.O, the said hereditemante and premises hereby
grentad and reloesed, or mentioned end Intended so to be, with the eppurtonences,
unto the said GRANTEE and her hairs and aBeigne, to end for the only proper use
and hahoof of the sold GRANTEE her heirs end eeslgne, forever.
AND the geld Co-Executors of the F~tate of Viols C. Kistler, docosead,
covenant, promise, end spree to and wkh the sold GRANTEE her helre and eeeigns,
by these presents, that they, the said Co•Exeoutora have not dono, committed,
knowingly or willingly suffered to be done or committed, any act, matter or thing
whatsoever whereby the premises hereby grentod, or any part thereof, te, ere, shell
or may be impeached, charged or enoumbered, M title, charge, esters, or othsrwlea
howsoever.
WITNESS the due exacutlon haroot the day, month and year first above
written.
Signod, Soeled and Dalhrered
In the Preeenoa of:
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Estate of Viols C. Kistler
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EDWIN L. KISTLER, Exsoutor
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COMMONWEALTH OF PENNSYLVANIA 1
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COUNTY OF CUMBERLAND
On this, the y~ day of ~ Seotember .1998, before ma, the
undersigned officer, personally appeared EDWIN L. KISTLER end BETTY V.
McNEW, the Co•Exacutore for the Facets of Viola C. Klfitter, known co me for
satlsfaotorily proven) to be the parson whose names are subscribed to the within
at ant, end acknowledged that they executed soma for the ur see therein
~'_ ~ .~x_ P po
WHEfIEOF, I hereunto set my hand end offiolat assl.
r•~~` I do hereby certHy that the precise residence end complete Bqast office
address of the Within named Grsntee Is: S9 •I. Cr,.v! c'r. ~iw~r~li ~/F ~-~b/?
Date q~ ~f
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Atto- ey for
COMMONWEALTH OF PENNSYLVANIA 1
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COUNTY OF CUMBERLAND )
RECORDED on this ~dey of 998, In the Recorder's
Offk:e ofat ~f•County, In Deed book Pope ~((~
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Y,,_~-•Bri ~P- nde~my hand end seat of the Bald offloa, the data ebovsue .
'~"'~~ r~~"^'~ 'f '`~~~~ WIN, McIrN! H
~ ~ i.e~ln`xe•' t r!i~ti .' 0 7' Fi HUGHES
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BDOt( ~,$e~ PAGEi~O7
APPRAISAL OF REAL PROPERTY
LOCATED AT:
3090 Spring Road
Deed Book 184 Page 1104
Carlisle, PA 17013
FOR:
Keystone Guardianship Serves
129 Market Street, Ste A, Millersburg, PA 17061
AS OF:
May 7, 2008
BY:
Krista L. Garrick
State Certifred Residential Appraiser
The intended user of the report is Keystone Guardianship Services
The intended use is to be for valuation purposes only.
SummaryAppreisaf Format
Fam GA1-'TOTAL for Windows' appraisal software by a la mode, Inc. -1-B00-AtAMODE
EXH 1 B IT "3"
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. neclrfen ua,a~prwritplr ouantitative Analysis Appraisal Report Flle No. 050708N
T HIS SUMMARY APPRAISAL REPORT IS INTENDED FOR USE BY THE LENDER/CLIENT FOR A MORTOABE FINANCE TRANSACTION ONLY.
Pro a Address 3090 S rin Road Ci Carlisle State PA B Code 17013
L al Descd Uon Deed Book 184 Pa a 1104 Cou Cumberland
sassor's Parcel No. 21-13-0966-018 Tax Year 2008 R.E. Taxes 1 413.41 ~ I A ame N/A
.. Borrower N/A Current Owner Janette L. Neel Occu arti Owner Tenant Vacant
N hborhaad or Pra'ect Name Middlesex Townshi Pro t T e PUD ondominium HOA
Sales Price NiA Date of Sale N/A Descri lion amount of ban cha concessions to be aid seler NIA
Pro ri Ms a ised Fee Si le Leasehold Ma Relerence 13-0966 Census Tract 0122.00
e al
Location ^ Urban Suburban ^ Rural Property values ®Increasing ^ Stable ^ Declining SI lefamlty houalnfl Condominium housing
pnRgICE AGE P~ICE(rf applic.) AGE
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^ O
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y
In balance
ver supp
S(Og0) (yrs) 8(000) (yrs)
Buiti up ^ Over 75% ®25.75% ^ Under 25% Demandlsupply ^ Shortage
Growth rate Ra id Stable Slow Marketin time Under 3 mos. 3-6 mos. Over 6 mos. 40 Low New Low
Neighborhood boundaries The sub'ect roe is located in Middlesex Townshi .The sub'ect net hborhood is 500 Hi h 225 Hi h
bordered b Rte 944 North Middlesex Road Rte 34 and Rte 465. =, Predominant Predominant
150 100
Dimensions Irregular Site area 2.28 acres Shape Irregular
Specific zoning classification and description Residential
Zoning compliance ®Legal ^ Legal nonconlorming (Grandfatherad use) ^ Illegal, attach descrtpton ^ No zoning
Highest and best use of subject propery as improved (a as proposed per plans and speciNcagons): ®Presanf use ^ Other use, attach descdpton.
Uttiities Public Other Public Other Off-aitelmprovements Type Public Pdvate
Electdcity ® Water ^ Well Street Macadam ® ^
Gas Pro one snits sewer Se tic All None
Are there an a arent adverse site conditions easements encroachments s acts! assessments s8de areas etc.1 Yes No It Yes attach descri Uon.
Source(s) used for physical characteristics of property: Interior and exterior inspection Extedor inspection tram street Previous appraisal tiles
MLS Assessment and tax records Prior ins ectlort Pra a owner Other ascribe
No. of Stodes 2.0 T et Att. Det Exterior Walls Vln sidi Roaf Surface Shi le Manulaciured Hausin Yes No
Does the roe snare!! conform to the net hborhood In terms of s le condition and construction materials? Yes ND U No attach descri 'on.
- Are there any apparent physical degciancies or conditions that would ailect the soundness or structural integrtty of ttN Improvements or the livability of the property?
. Yes No f Yes attach descd Uon.
Are there any apparent adw:rse environmental conditions (hazardous wastes, tonic substances, etc.) present in the improvements, an the site, or in the immediate vicinity of
the subject property? ^ Yes ®No If Yes, attach description.
I researched the subject market area far comparable listings and sales that are the most similar and proximate to the subject property.
My research revealed a total of 5 sales ranging in sales pdce from S 65,000 to S 103.500
My research revealed a total of 3 listings ranging in list price from S 70.000 to S 110,000
j
ect roe
The anal sis of the c rable sales below reflects market reaction to si nUicant vadaUons between the sales and the sub
FEATURE SUBJECT SALE1 SALE2 SALE3
3090 Spring Road 201 Chestnut Street 108 Longs Gap Road 1805 Suncrest Drive
ddr s Carlisle Mount Holl S rin s Carlisle Carlisle
Prod to Sub'eCt 9.90 miles 2.51 miles 2.39 miles
ate ice 72 500 74 000 90 000
do Gr ss Uv' Area ~ 58.47 53.78 ~ 56.25 ~
Data b Vedlicadon Sources ' ' CouRhouselMLS Courthouse/MLS CourthouselMLS
VALUE ADJUSTMENTS DESCRIPTION DESCRIPTION + - S Ad'usl DESCRIPTION + - S Ad' st DESCRIPTION + - S A usL
Sales or financing Conventional Conventional Cash
Concessions None Known None Known None known
t e I lme 6!7/07 12/3/07 7123/07
Location Averse Similar Similar Similar
e 2.28 acres .17 acre +10 600 .19 acre +10 500 .19 acre +10 500
Averse Averse Averse Avers e
s' le 2 sto Similar Similar 1.5 sto
Actual A e rs. 83 ears 117 ears 77 ears 53 ors
Candi6on Fair to Poor Similar Similar Similar
_
Above Grade Total ~Bdrms~ Baths Total ~Bdrms~ Baths Total ~Bdrms~ Baths Total ~Bdrms~ Baths
Room Count 6~ 3~ 2 5~ 3~ 2 +1,000 6~ 3~ 1 +1,000 5~ 3~ 1 +2,000
Gross Livi Area 1 374 S . Ft. 1 240 S . Ft. ~ +2 000 1 376 . FL ~ 1 600 S . Ft. ~ -3 400
Basement & finished Part basement Fult basement Full basement Crawl space +3,000
Rooms Bebw Cade Unfinished Unfinished Unfinished Unfinished
are 2-car era a None +6 000 None +6 000 2-car era e
Porch Porch Porch Patio
None None Central Air -2 000 1 Fire lace -1 000
- Net Ad'. btal + - 19 600 + - 15 500
, + - 11 100
Adjusted Saks Price .Net 27.0.96 °: Net 20.9 ~% Net- 12.3 %
of Camparables ..Gross. 27.0 % 92 100 Gross 26.4' % 89 500 Gross` 22:1 % 101 100
Pdo 9/4198 3/23!07 9117107 8/31/90
Pdce of Prior Sale 71 500 1 1 65 000
Anatysis of arty current agreement of sale, optton, or listing of the subject property and anatysis of the prior sales of subject and comparables•No sale has taken lace on
the sub'ect roe within the ast 3 rs. Sale 2 sold on 9117/07. No additional sales have taken lace on the com ambles in the ast 12 mo.
Summary of sales comparison and value conclusion: The Costa roach was not considered since this is not new construction or the Income a roach
due to the fact that this is an owner occu led si le Tamil dwellin .The Sales Com orison a roach is the best a roach for this a of
ro art .
TMs appraisal is made ®'as-is', ^ subject to corrpleUan per plans and specifications on the basis of a hypothetical condition that the improvements have been completed, or
^ subject to the iotiowing repairs, alteretions or conditions
BASEDONAN ^EXTERIORINSPECTIONFAOMTHESTREETORAN ®INfERIDRANDFXTERIDRINSPECTIDN,tESTIMATETHEMARKETVALUE,ASDEFlNED,OFTHEREAI
pROPENTYTHATISTHESUBJECTOFTRSREPORTTOBES 92000 __ ,AS OF May7,2008
Form 205 -'TOTAL for Windows" appraisal software by a la mode, inc. -1.800-ALAMODE
~Hae4•nn Ilnrlarwritnr Quantitative Analysis Annraisal RenOrt Flle No. 050708N
Project Inlarmalion for PUDa QI appicable) • - Is the developerlbu(Ider in control of the Home Owners' Association (HOA)? ^ Yes ^ No
Provide the toNowing IMomration for PUDs ony if the developer/builder is in conUOl of the HOA and the subject property is an attached dweNing unit:
Total number of phases Total rarmber of units Total number of units sold _
Total rnrr~er of units rented Total number of units tar sale Data Source(s)
Was the project created by the cornersion of existing buildings into a PUD? ^ Yes ^ No It yes, date of conversion:
Does the project contain any multi-dweiing units? ^ Yes ^ No Data Source:
Are the common elements completed? ^ Yes ^ No If No, descdbe status o1 completion:
Are any common elements kasad to ar by the Home Owners' Associatlon? ^ Yes ^ Na If yes, atach addendum descdbing rental terms and optlans.
Describe common elements and receeatlonal facilities:
Project Irdormatbn for Condominiums (If appNcable) - - Is the developerlbullder in control of the Home Owners' Association (HOA)7 ^ Yes ^ No
Provide the folbwing Information for all Condominium Projects:
Total number m phases Total number of units Total number of units sold
Total number of unNs rented Total number of units far sale Data Source(s)
Was the project created by the cornersion of existing buildings into a condominium? ^ Yes ^ No If yes, date of conversion:
Project Type: ^ Primary Residence ^ Second Home or Recreational ^ Raw or Towrdrouse ^ Garden ^ Midrise ^ Higfrcise ^
Condition of the project, quality of canstrocUon, unit mix, etc.:
Are the comrtwn elements completed? ^ Yes ^ No N No, descdbe status of completion:
Are any common elements leased to or by the Home Owners' Association? ^ Yes ^ No II yes, attach addendum describing rental terms and options.
Descdbe common elements and recreational IaciliUes:
PURPOSE OF APPRAISAL: The purpose of this appraisal is to estimate the market value of the real property that is the subject of this report based on a
quantitative sales comparison analysis for use in a mortgage finance transactlon.
DEFINRION 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, knmwledgeahry 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 rypicalry motivated; (2) both parties are well informed or well advised, and each acting
in what he considers his own best interest; (3) a reasonable Ume is allowed for exposure in the open market; (4) payment is made
in terms of cash in U.S. doNars or in terms of financial arrangements comparable thereto; and (5) the pdce represents the normal consideratlon
for the property sold unaffected by special or creative financing or sales concessions` granted by anyone associated with the sale.
` AdjusUnents to the comparables must be made for special or creative financing or sates 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 parry instltutlonal lender that is not already Involved in the propeAy or
transaction. Any adjustment should not be calculated on a mechanical dollar for dotlar cost of the financing or concession but the dollar
amount of any adjustment should approximate the market's reactlon to the financing or concessions based on the appraiser's judgment.
STATEMENT OF LIMITING CONDITK)NS AND APPRAISER'S CERTIFICATION
CONTINGENT AND LIMITING CONDITIONS: The appraiser's certification that appears in the appraisal report is subject to the following conditions:
1. The appraiser will not be responsible for matters of a legal nature that affect either the property being appraised or the title to it. The appraiser assumes
that the title Is good and marketable and, therefore, wilt not render any opinions about the title. The property is appraised an the
basis of it being under responsible ownership.
2. The appraiser has provided any required 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 will not give testlmony 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.
4. The appraiser has noted in the appraisal report any adverse conditions (such as, but not limited to, needed repairs, the presence of hazardous
wastes, toxic substances, etc.) observed during the inspection of the subject property or that he or she became aware of dudng
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 conditons (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 conditons and
makes no guarantees or warranties, expressed or impied, regarding the conditlon of the property. The appraiser will not be
responsible for any such conditions that do exist or Tor 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.
5. 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.
6. The appraiser will not disclose the contents of the appraisal report except as provided for in the Uniform Standards of Professional Appraisal Practlce.
7. The appraiser must provide his or her pdor written consent before the lenderlclient specified in the appraisal report can distribute the appraisal
report (including conclusions about the property value, the appraiser's identlty and professional designations, and references
to any professional appraisal organizations , or the firm wtlh which the appraiser Is associated) to anyone other than the borrower;
the mortgagee or Us successors and assigns; the mortgage insurer; consultants; professional appraisal organizatlons; any state or
federally approved financial instiUrUon; or any deparimenL agency, or instrumentality of the United States or any state or the District of
Columbia; except that the lender/client may distribute the report to data collectlon 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.
8. The appraiser has based his or her appraisal report and valuation conclusion for an appraisal that is suhject to completion per plans and specifications an
on the basis of a hypothetical conditlon that the Improvements have been completed.
9. The appraiser has based his or her appraisal report and valuation conclusion for an appraisal that is suhject to completlon, repairs, or alterations on the
assumption that completion of the improvements will be pertormed in a workmanike manner.
YAlit'L Ut 3 ranrnc man rwm cwo a-av
Form 205 -"TOTAL for Windows' appraisal software by a la mode, inc. - i-800-ALAMODE
Underwriter Quantitative Anaiys~s_nppraisa~ Keporc Filo No.
APPRAISER'S CERTIFlCATION: The Appraiser certifies and agrees that:
1. I performed this appraisal by (1) personally inspectlng from the street the subject property and neighborhood and each of the
comparable sales (unless I have otherwise Indicated in this report that I also inspected the interfor of the subject property); (2) collecting, confirming,
and anatyzing data from reliable public and/or private sources; and (3) reporting the results of my Inspection and analysis in this summary appraisal
report. I further certlfy that I have adequate informatlon about the physical characteristics of the subject property and the comparable sales to develop
this appraisal.
2. I have researched and analyzed the comparable sales and offedngs/Iistlngs in the subject market area and have reported the
comparable sales in this report that are the best available for the subject property. I further certUy that adequate
comparable market data exists in the general market area to develop a reliable sales comparison analysis for the subject property.
3. 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 further certfy 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, have considered these adverse
conditlons in my analysis of the property value to the extent that I had market evidence to support them, and have commented about the effect oT
the adverse conditlons on the marketability of the subject property. I have not knowingly withheld any significant informatlon from the appraisal
report and I believe, to the best of my knowledge, that all statements and informatlon in the appraisal report are true and correct.
4. 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.
5. I have no present or prospectlve interest in the properly that is the subject of this report, and I have no present or prospective personal
interest or bias with respect to the participants in the transaction. 1 did not base, either partialty or completely, my analysis and/or the
estimate of market value in the appraisal report on the race, color, religion, sex, age, marital status, handicap, familial status, or national
origin of either the prospective owners or occupants of the subject property or M the present owners or occupants of the properties
in the vicinity of the subject property or on any other basis prohibited bylaw.
6. 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.
7. I was net required to report a predetermined value or direction in value that favors the cause of the client or any related parry, the
amount of the value estimate, the attainment of a specific result, or the occurrence of a subsequent event in order to receive my
compensatlon and/or employment for performing the appraisal. I did not base the appraisal report on a requested minimum valuation,
a specific valuaton, or the need to approve a specific mortgage loan.
8. I estimated the market value of the real property that is the subject of this report based on the sales comparison approach to value. I
further cerfity that I considered the cost and income approaches to value, but, through mutual agreement with the client, did not develop them, unless
I have noted otherwise in this report.
9. I performed this appraisal as a limited appraisal, subject to the Departure Provision of the Uniform Standards of Professional Appraisal
Prectlce 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 the appraisal (unless i have otherwise indicated in this report that the appraisal is a complete appraisal, in which
case, the Departure Provision does not apply).
10. I acknowledge that an estimate of a reasonable time for exposure in the open market is a condition in the definition of market value.
The exposure Ume associated with the estimate of market value for the subject properly is consistent with the marketing time noted
in the Neighborhood section of this report. The marketing period concluded for the subject property at the estimated market value is
also consistent with the marketing time noted in the Neighborhood section.
11. I personally prepared all conclusions and opinions about the real estate that ware set forth in the appraisal report. I
further certify that no one provided significant professional assistance to me in the development of this appraisal.
SUPERVISORY APPRAISER'S CERTIFICATION: If a supervisory appraiser signed the appraisal report, he or she certifies and agrees that:
1 directly supervise the appraiser who prepared the appraisal report, have examined the appraisal report for compilance with the Uniform Standards
of Professional Appraisal Practice, agree with the statements and conclusions of the appraiser, agree to be bound 6y the appraiser's
certificaflons numbered 5 through 7 above, and am taking full responsibility for the appraisal and the appraisal report.
APPRAISER: SUPERVISORY APPRAISER (ONLY IF REQUIRED):
Signature: ~~~~'""~
Name: Kdsta L. Garrick Signature:
Name:
Company Name: Diversified A~oraisal Services Company Name:
Company Address: 35 E Hiph Street Suite 101 Company Address:
Cartisle PA 17013 _
Date Of Report/Signature: Mav 8 2008 Date of ReporUSignature:
State Certification #: RL-003233-L State CertiUcation #:
or State License #: or State License #:
State: PA State:
Expiration Date of Certifcatian or License: June 30.2009 Expiration Date of Certification or License:
ADDRESS OF PROPERTY APPRAISED:
3090 Sarfrw Road __ SUPERVISORY APPRAISER:
Cadisle PA 17013 SUBJECT PROPERTY
APPRAISED VALUE OF SUBJECT PROPERTY S 92,000 ^ Did not inspect subject property
EFFECTIVE DATE OFAPPRAISAL/INSPECTION Mav 7.2ooa ^ Did inspect exterior of subject property from street
^ Did inspect interior and exterior at subject property
LENDER/CLIENT: COMPARABLE SALES
Name:
Company Name: keystone Guardiansnio services ^ Did not Inspect exterior of comparable sales from street
^ Did inspect exterior of comparable sales from street
Company AddreSS: 129 Market Street Ste A Millersbum. PA 17061
3 OF 3 Fannie
Form 205 -'TOTAL for Windows' appraisal software by a la mode, Inc. -1-800-ALAMODE
Desktoa Underwriter Quantitative Analysis Appraisal Report
FEATURE SUBJECT SALE 4 SALE 5 SALE 6
3090 Spring Road
Address Carlisle 633 W. Old York Road
Carlisle
P to Sub 9.31 miles
Sales Price 103 500
Pric Gros Livi Area ~ 77.94 ~ ' d~ ~
Dap b Verificaaon Sources Courthouse/MLS
VALUE ADJUSTMENTS DESCRIPTION DESCRIPTION + - $ Ad'usl DESCRIPTION + - E Ad' st DESCRIPTION + - _ ' sL
Sales or Financing
o ions Conventional
None Known
Date of Sal Ime ?16/07
L a on Ave a Su erior -10 400
i e 2.28 acres .99 acre +6 500
View Ave a Aver e
Deal SIB 2 sto Similar
Actual A e rs. 83 ars 107 ars
ondilion Fair to Poor Similar
Above Grade Total ~Bdrms~ Baths Total ~Bdrms~ Baths ~ ToWI ~Bdmis~ Baths Total ~Bdrms~ Baths
Room Count 6 3 2 4 2 1.5 +2,500
Grass Livi Area 1 374 S . Ft. 1 328 S . Ft. ~ S . Ft. ~ S . Fl.
Basement 8 Rnished
Rooms Below Grade PaR basement
Unfinished Part basement
Unfinished
Gara Ca rt 2-car are 2+car ara a -1 000
Porch Porch
None None
N~ Ad . total + - 2 400 + - + -
Adjusted Sales Price
of C arable Net 23' %
Gross i9.7 %
101 100 Net %
': Grass % Net =
Gross
Date o1 Priar Sale 914/98 No rior sale listed
Price of Prior Sale $ 71 500 $ S
Comments: Com arable sale 4 was rovided for additional su oR within the sub'ect nei hborhood.
Diversified Appraisal Services Fannie Mae Farm 2D55 9-96
Form 205.(AC) -'TOTAL for windows' appraisal software by a la mode, inc. - i-800-ALAMODE
~upuiemenia~ waaenaum File No. 050708N
Borrower Client N/A
Pro Address 3090 S rin Road
Ci Carlisle Cou Cumberland Stale PA T~ Code 17013
Lender Ke tone Guardianshi Services
Scope of the Appraisal:
The appraiser inspected the interior and exterior of the subject property. This appraisal is based on the information gathered by
the appraiser from public records, other identified sources, inspection of the subject property and neighborhood and selection of
comparable sales within the subject market area. The assignment included an analysis of the subject's area, an estimation of
the propertt/s highest and best use, the consideration of all three approaches to value and the application of those relevant to
the valuation of the subject property.
Intended User:
The Intended User of this appraisal report is the Lender/Client. The intended Use is to evaluate the property that is the subject
of this appraisal for valuation purposes, subject to the stated Scope of Work, purpose of the appraisal, reporting requirements
of this appraisal report form, and Definition of Market Value. No additional Intended Users are identified by the appraiser.
Additional comments:
The subject is older than five (5) years old. All mechanical systems including the heating, electrical and plumbing systems were
on and in working order at the time of inspection. No warranties are implied in this statement.
One or more comparable sales are older than six (6) months old. Although there are comparable properties in the subject's
area, none have sold recently, therefore, sales in excess of six (6) months old have to be used. All four comparebles used
were the best available.
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 comparables used are located in similar neighborhoods and within the same marketing area. All four
comparables used were the BEST AVAILABLE.
A location adjustment was made for comparable number 4. The subject is located in an area with higher land prices.
Individual line adjustments were required that exceed 10%. These adjustments were required due to lack of more similar
comparables on that individual rating. All four comparables are the best available.
Gross adjustments exceed 25% and net adjustments exceed 15°h for one or more of the comparable sales. Although there are
other similar homes in the subject neighborhood, none have sold recently. The sales used are the best available.
This report has been electronically prepared and transmitted in compliance with USPAP guidelines which include verification of
the complete transfer and delivery, digltally protected signatures and adequate security measures in place to protect data
transmitted by appraiser.
Privacy Notice
Pursuant to the Gramm-Leach-Gilley Act of 1999, effective July 1, 2001, appraisers, along with all providers of personal
financial services are now required by federal law to inform their clients of the policies of the firm with regard to the privacy of
the clients nonpublic personal information. As professionals, we understand that your privacy is very Important to you and are
pleased to provide you with this information.
In the course of performing appraisals, we may collect what is known as "nonpublic personal information" about you. This
information is used to facilitate the services that we provide to you and may include the information provided to us by you
directly or received by us from others with your authorization.
We do not disclose any nonpublic personal information obtained in the course of our engagement with our clients to
nonaffiliated third parties, except as necessary or as required bylaw. By way of example, a necessary disclosure would be to
our independent contractors, and in certain situations, to unrelated third party consultants who need to know that information to
assist us in providing appraisal services to you. All independent contractors and any third party consultants we engage are
informed that any information they see as part of an appraisal is to be maintained in strict confidence within the firm. A
disclosure required by law would be a disclosure by us that is ordered by a court of competent jurisdiction with regard to a legal
action to which you are party.
We will retain records relating to professional services that we have provided to you for a reasonable time so that we are better
able to assist you with your needs. In order to protect your nonpublic personal information from unauthorized access by third
parties, we maintain physical, electronic and procedural safeguards that comply with our professional standards insudng the
security and integrity of your information.
Form TADD - "TOTAL for Windows" appraisal software by a la mode, Inc. -1-800-ALAMOOE
Building Sketch (Page - 1)
Bonow~ Clierd N/A
pro Address 3090 S rin Road
i Carlisle CBUn Cumberland a PA L' Code 17013
Lender Ke tone Guardianshi Services
te.o'
Belh Laundry ~
8.0' 24.0'
Dining Area Balh
Khchen
Badreom
0
"~
N
1 0
0
N
0
N
LINng Room Dining Room Bedroom
Bedroom
wen n° 24.0' 24.0'
Comments:
Code AREA CALCULATIONS SUMMARY
Dasedptfon Stse
Net Totals
CW1 F1rat Floor 750.00 750.00
GI.A2 Saeond Floor fi24.00 624.00
TOTAL LIVABLE (rounded) 1374
LIVING AREA BREAKDOWN
Braakdovm Subtotals
First Floor
24.0 x 26.0 624.00
7.0 x 18.0 126.00
Second Floor
24.0 z 26.0 624.00
3 Calculations Total (rounded) 1374
form SKT.BIdSkI -"TOTAL for Windows' appraisal software by a la mode, Inc. -1-800-ALAMODE
Location Map
Borcower CBent NIA
Pro Address 3090 S ri Road
i Carlisle Coun Cumberland State PA L' Code 17013
Lender Ke stone Guerdianshi Services
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Form MAP.LOC -'TOTAL tar Windows' appraisal software by a la mode, inc. -1-800-ALAMOOE
Subject Photos
Borroww CGenl NIA
Pro Address 3090 S ri Road
CI Carlisle Caun Cumberland State PA L Code 17013
Lendw Ke tone Guardianshi Services
Subject Front
3090 Spring Road
Subject Rear
Subject Street
Fortn PICPU(.TR -'TOTAL far Windows' appraisal saflware by a la mode, inc. - t-800-ALAMODE
Comparable Photo Page
Bortower Chem N/A
Pro Address 3090 S rin Road
Ci Carlisle Caun Cumberland State PA Zi Code 17013
Lender Ke stone Guardianshi Services
Comparable 1
201 Chestnut Street
Prox. to Subject 9.90 miles
Sale Pdce 72,500
Gross Living Area 1,240
Total Rooms 5
Total Bedrooms 3
Total Bathrooms 2
Location Similar
Yew Average
Site .17 acre
Quality
Age 117 years
Comparable 2
108 Longs Gap Road
Prox to Subject 2.51 miles
Sale Pdce 74,000
Gross Living Area 1,376
Total Rooms 6
Total Bedrooms 3
Total Bathrooms 1
Location Similar
trew Average
Site .19 acre
Quality
Aga 77 years
Comparable 3
1805 Suncrest Drive
Prox to Subject 2.39 miles
Sale Pdce 90,000
Gross Living Area 1,600
Total Rooms 5
Total Bedrooms 3
Total Bathrooms 1
LocaBon Similar
Vlew Average
Site .19 acre
Quality
Age 53 years
Porn PICPIX.CR -'TOTAL for Windows" appraisal sotlware by a la mode, inc. -1-800-ALAMODE
Comparable Photo Page
Borrower Client NIA
Pro Address 3090 S rin Road
i Carlisle Cou Cumberland State PA L Code 17013
Lender Ke stone Guardianshi Services
Comparable 4
633 W. Old York Road
Prax to Subject 9.31 miles
Sale Pdce 103,500
Gross Living Area 1,328
Total Rooms 4
Total Bedrooms 2
Total Bathrooms 1.5
Location Superior
Vew Average
Siie .99 acre
Quality
Age 107 years
Comparable 5
Prox. to Subject
Sale Price
Gross Living Area
Total Rooms
Total Bedrooms
Total Bathrooms
Location
Vew
Site
Quality
Age
Comparable 6
Prox. to Subject
Sale Price
Gross Living Area
Total Rooms
Total Bedrooms
Total Bathrooms
Location
View
Site
Quarry
Age
Form PICPIX.CR -'TOTAL for Windows' appraisal software by a la mode, inc. -1-800-ALAMODE
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FacetWia Screen Print for reCfle®ds, from "CADSA_Login" 3/7/2008 11:01:59 AM
CUN~ERLAND COUNTY ASSESSMENT OFFICE 2004 BASEYEAR
NEIGHBORHOOD: 2100 CONTROL # 21001893
DISTRICT: 21 - MIDDLESEX TOiaNSBIP SD: 4 PARCEL: 21-13-0966-078.
SPEC ID: LOT:
~~ Tbaok:
Short Name NEELY, JANETTE L ~ ~-
LA$T NADSE NEELY ~ ~ PROPERTY TYPE: R
FIRST NAD~ JANSTTE L L i
C/O NAME -SALES
ADDRESSI 59 NORTH EAST STREET ~ DEED HR/PG.....00184-01104
ADDRE$32 I
~ DATE OF SALE...09/04/1998 ~I
POST OFFICE: CARL=ELL ~ I SELLING PRICE: 71500
~ 3TATE ~ ZIP: PA 17013
Situ®: 3090 SPRING ROAD i
~CVRRENT VALUES
.Prop Descrip.: Assessed Fair DLarket
LAND DESC: LAND APPROX 2 ACRES ~ FMV - 109660 L - 44900
LAND USE TYPE: 101 Caa - B - 64760
DEEDED ACRES: 2.28 i
approved? -~ T - 109660 i
Screen 1. Enter Selection > Record: 49207
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THE MATTER OF JANETTE NEELY IN THE COURT OF COMMON PLEAS
AN ADJUDICATED CUMBERLAND COUNTY, PENNSYLVANIA
INCAPACITATED INDIVIDUAL ORPHANS COURT DIVISION
NO. 21-08-0032
ORDER OF COURT
AND NOW, this ~ day of 2009, upon
consideration of the attached Petition to Sell Real Estate, it
is hereby directed the Guardian, Keystone Guardianship Services,
to sell 3090 Spring Road, Middlesex Township, Cumberland County,
Pennsylvania(Parcel No 21-13-0966-018) owned by Janette Neely
"AS IS" for no less than l00 (ten percent) of One Hundred Twelve
Thousand Five Hundred ($112,500.00) Dollars.
BY
BY:
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Distribution:
Keystone Guardianship Services
Constance E. Stoneroad
512 Market Street - Suite "2"
Millersburg, PA 17061
717-692-5173
717-265-4056
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EXHIBIT "6"
Sealed Bid
To: Keystone Guardianship Services
512 Market Street
Suite " 2"
Millersburg Pa. 17061
ATTN: Connie Stoneroad
From: Dennis Rand Cynthia S. Deitch
190 Wagner Drive
Carlisle Pa. 17013
717 249 4018
Subject: Sealed Bid
Janette Neely property located at,
3090 Spring Road
Carlisle Pa 17013
We bid $ 77,600.00 for the Janette Neely property located at 3090 Spring Rd.
Carlisle Pa 17013
Terms: Final settlement to be held after Apri127, 2009
Respectfully Submitted
,/' Dennis R. Deitch , 03/23/2009
Cynthia S. Deitch 03/23/2009
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EXHIBIT "7"
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ATTENTION: SHELLY
BID: $55,000
ON PROPERTY ~a
3090 SPRING ROAD, CARLISLE, PA
MIDDLESEX TOWNSHIP
SANDY DAVIS
1 COURTHOUSE SQUARE
CARLISLE, PA 17013
717-240-6290
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