HomeMy WebLinkAbout02-0862
PETITIOl ~ FOR PROBATE and GRANT OF LETTERS
Estate of CarolYn G. Zinunerman No. :21- (};l- ~lD2.
also known as To:
Register of Wills for the
Deceased. County of Cumberland in the
Social Security No. 184 26-4621 Commonwealth of Pennsylvania
The petition of the un ersigned respectfully represents that:
Your petitioner(s), wh islare 18 years of age or older an the executor named
in the last will of the abo e decedent, dated np-~pmhpr jq ,19~
and codicil(s) dated
Will names Lemoyn '.'Trust Company as executor. Allfirst Trust C<lllloanv of
Pennsvlvania, N.A. is successor to Lemovne Trust Comnanv.
(51 e relevant circumstances. e.g. renunciation, death of executor, de.)
Deceden! was domicil d at death in Cumberland County, Pennsylvania, with
her last family or principal residence at 18 Ni ttanv Dr; ve. Mp.~ht=ln ; r.~hllr~ Rnrrmqh
Cumberl.n"
(list street, number, Twp. or Boro.)
Decedent, then f> years of age, died .T11n~ ?O ,.~ ?OO?
,
at Holv Rp1rir Hn ~....; .,.. ", ~. ~'n M
Except as follows, dec dent did not marry, was not divorced and did not have a child born or adOPted
after execution of the wil Gffered for probate; was not the victim of a killing and was never adjudicated
incompetent:
Decedent at death own4d property with estimated values as follows:
(If domiciled in Pa ) All personal property
$ 1 C\ non no
(If not domiciled in Pa. Personal property in Pennsylvania $ I
(If not domiciled in Pa. Personal property in County $
Value of real estate in F ~nnsylvania S 8s.ooo.bo
situated as follows: 8 Nittanv Drive M"ch __ n. _.:..
WHEREFORE, petit oner(s) respectfully request(s) the probate of the last will apd codicil(s)
presented herewith and he grant of letters testamentary
(testamentary; administration c.t.a.; administration d.b.n.c.t.a.)
theron.
- ~ ....,...
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-g.g :J1;~:,;';; TF"S~ gSlRfIanl sE Pem.s
..::;: SUC~AR~or to Lemovne rust Comoa
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-.r~ A WP.~t- High !=:t-rAAt-
~o ro::1l....1.;""10. 'D:a 17n1 '::t
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in
OA 1"8 OF PERSONAL REPRESENTATIVE
COMMONWEALl H OF PENNSYLVANIA } 58
COUNTY OF CUI BERLAND
t
ylvania, NA
ny
The petitioner(s) abo~e-named swear(s) or affirm(s) that the statements in the foregoing petition are
true and correct to the l1est of the knowledge and belief of etitioner(s) and that as personal represen-
lative(s) of the aoovf c!:celIent r.etitioner(s) will well a tr y ad in' r the est according to law.
I
Sworn 10 or affirm d and sub~ribed {
before me this 3rd Iiay of
Se tember i!ll 2002
~ ~t
~
t;;,
AllfirsT. Trust comoaniS of P~. NA a
Successor to Lemoyne rrustompa~
~
1~-qA-'
No. 2.1-02- BIn2..
Estate of . Deceased
DEeRE OF PROBATE AND GRANT OF LETTERS
AND NOW t. ta ?nn~ in consideration of t,*, petition on
the reverse side hereof, atisfaclory proof having been presented before me,
IT IS DECREED that t e instrument(s) dated December 19. 1964
described therein be ad 'tted to probate and filed of record as the last will of
CAROLYN G. ZIMMERMAN
and Letters
are hereby granted to
FE
~~~~ I'*-\-~ \.cl- 0~
\ RcsbterQCWilb . ~
200.00
Probate, Letters, Etc. ......... $
Short Certificates( ).......... $ 3 0 . 00
~~On E;~..t;~:'!. p.<:9."~~. $ 3.00
jcp $ 5.00
TO AL ~ $ 238.00
Filed ....9..2A..20 2..................
called torn morkin exec. 9-24-2002
Charles E. Shields, III ~,R~',
,
ATTORNEY (Sup. Ct. I.D. No.)
6 Clouser Road, Mechanicsburg, PA
ADDRESS
17055
(717) 766-0209
PHONE
~~
, ,
'>-..:
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:~
a1ified according to
resent and saw
(Address)
REGIST R OF WILLS OF CUMBERLAND COUNTY
o TH OF NON-SUBSCRIBING WITNESS
--2..\-02- S lD2..
Charles E. S ields, III and Thomas E.Morkin
(each) a subscriber her to, (each) being duly qualified according to law, depose(s) arld say(s) that
the familiar with the signature of (;;:t rn 1 vn c:; Z ; rnmprm;:m
cocIioik
will
of
presented herewith and
lClOdicik
believe,1l the signature on the will is in the handwriting of
the
testa. r;v
that
Carolyn G. zi erman
to the best of --1.Ile.iLJ___ knowledge and belief.
Sworn to or affirmed arid ~ub;;cribed before 'J- ~ ~~~
2 3 d I Charles E. Sh~elds, III
me this r ~_ day of (Name)
.~,gP"
(- ,s
Register
mas E. Mar In -
(Name)
A WPRr High ~T~gQ~, Carlis19, p~
(Address)
, 7055
17013
HIO'i.805 REV 9/8(;
This is to certify that the informa ion here given is correctly copied from an original cerrificare of death duly filed with me as
Local Regisrrar. The original certi cate will be forwarded to the State V;tal Records Office for petmanent filing.
WARNING It is illegal to duplicate this copy by photostat or photograph.
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P 8384
JUN 2 4 2002
No.
Date
'43f1.e><.211.7
COMMON EAlTHOF PEKtlSVlVAN)A. OEPARTMe"n OF HEALTH. VITAL RECORDS
CERTIFICATE OF DEATH
..
G. ZiJnnerman
."
female
5TA1fF'LENUfoI8EA
SOCIAL SECURITY NUM8E.fI
Carol
.184
- 26
-4621
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NAME 01' DECEDENT (F~... MickIe.l~
AGE (last ~ UNDER 1 VEAR
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FAJIiER'S NAME cFinl MoOdIe. lUl)
18 Nittany Dr.
Mechanicsburg,PA17055
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Edward A.
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16ttgt _ill anb ill~5tament
21-02-862
I, C4ROLYN G. ZIMMERMAN, of the Borough of Lemoyne, County of
Cumberland, and Stat~ of Pennsylvania, make, publish and declare this to be my
I
Last Will and Testam~nt, hereby revoking and making void any and all Wills by
i me at any time heretofore made.
I. t direct the payment of my just debts and funeral expenses
as soon after my dec~ase as may be convenient to my Executor hereinafter named.
II. ~ give, devise and bequeath my estate unto LEMOYNE TRUST
I
COMPANY, in trust, n~vertheless, for the benefit of my daughter, KIMBERLY LYNN,
under the following cbnditions:
~. The Trustee shall invest the fund under the standard
of a prudent ~an and shall pay the income unto the person or persons
maintaining ~ daughter, during her minority, and when she shall have
attained responsible age, in the discretion of the Trustee, to her
personally;
B. In addition to such income, should it appear that such
payments, tog~ther with funds available to my daughter from other
sources is in~ufficient, the Trustee, acting in its sole discretion,
shall distrib~te necessary amounts of principal for her maintenance and
education;
Ci. When my daughter attains age twenty-five (25), the Trustee
shall distribhte to her one-half (1/2) the fund then remaining in trust,
and when she ~ttains age thirty (30) shall distribute to her the balance.
oi. Should my daughter die during the continuance of the
Trust, the fupd shall be distributed to my mother, if she be then living,
and if not, tp my brothers and sisters and the issue of any who may be
deceased, per stirpes.
Lemoyne, Pennsylvani4, to be the Executor of this, my Will.
IN W~TNESS WHEREOF, 1 have hereunto set my hand and seal this
,
\Q~day Of~{'J\~ ,196.=1..
0.~\,~~ r~'0'\"\.'\:"-"'''-
( SEAL)
Signed, sealed, p~blished and declared by the above named Testatrix,
CAROLYN G. ZIMMERMAN,: as and for her Last Will and Testament, in the presence
of us, who at her req~est, in her presence, and in the presence of each other,
have hereunto subscribed our names as witnesses.
d
Name of Decedent:
C~RTIFICATION OF NOTICE UNDER RULE 5.6(a)
,
,
I
~arolyn G. Zimmerman
I
~une 20, 2002
I
Admin. No. 21-02-0862
Date of Death:
Will No.
TO THE REGISTER:
I certify that notice of beneficial interest required by Rule 5.6(a) of the Orphans' Court
Rules was served on or juailed to the following beneficiaries of the above-captioned estate on
October 3, 2002: i
Name
Address
Kim Evans
2204 Fenwick Avenue, Mechanicsburg, P A 17055
Notice has now been gi~en to all persons entitled thereto under Rule 5.6(a) except
i
Date: October 3, 2002
~~~
CHARLES E. SHIELDS, III
6 Clouser Road
Mechanicsburg, PA 17055 ~; .
Telephone: (717) 766-0209'-<
Counsel for Personal Representative.
-.,.,j
J
In the Estate of:
CAROLYN ZIMMERMAN
Estate No. ?1 -n?-R6:1
Date 11 1?1 In?
CLAI~ AGAINST DECEDENT'S ESTATE
i .
,
I
The claimant certoier that there is due and owing by the decedent in accordance
with the attached state1ent of account or other basis for the claim in the sum of
$ 1077.06 !
i
,
I solemnly affirm un~er the penalties of perjury that the contents of the foregoing
claim are true to the best pf my knowledge, information, and belief.
I
I
i
I
I
~HF. RON TON 1
Name of Claima1t
I
I
Larry E. Albertson, Agent
Name and Title of Person igning Claim
re of claimant or person authorized to make
verifications on behalf of claimant
~441 I R.I FRFFW'\/
Lock Box 3eddress
Dallas, TX 75243
800-293-1448
Telephone Number
FilED:
RECORDED:
Claims Docket Liber
Folio
Instructions:
1. This form may be tiled ith the Register of Wills upon payment of the filing fee provided by law. A copy
must also be sent to th personal representative by the claimant.
2. If a claim is not yet du . indicate the date when it will become due. If a claim is contingent. indicate the
nature of the contingen . If a claim is secured. describe the security.
COMPLETE FORM, A ACH STATEMENTS, ENCLOSE $3.00 FILING FEE.
MAKE CHECKS PAYA LE TO:
REGISTER OF WillS, A.A. CO.
CIRCUIT COURTHOUSE
CHURCH CIRCLE - P.O. BOX 2368
ANNAPOLIS. MARYLAND 21404-2368
RW28
PROBATE COURT
Cumberland County, State of Maryland
Carolyn Zimmerman,
D~ceased
Case #21-02-862
I mailed the
as follows:
Proof of Mailing
creditofs claim to the fiduciary (and attorney, if applicable)
I
I deposited a Copy/cQpies of the claim with the United States Postal Service
in a sealed envelopejWith the postage fully pre-paid. I used first-class mail.
I am employed in the county where the mailing occurred. The envelope(s)
was/were addressed a d mailed as follows:
Charles E. Shields, III
Attorney at Law
6 Clouser Rd.
Mechanicsburg, PA 17055
Date of Mailing:
County of Mailing:
I declare un~r p. na~ty
Date: I//;..J... oJ.--1--
of perjury that the foregoing is true and correct.
The Bon Ton
P.O. Box 743124
Dallas, TX 75374
-' '
, !
T~E"B()N~TJ)N
20185
,
j
ADDRESS CHANGE? CHECK H~RE
AND COMPLETE THE REVERSE SIDE D
1111111111/ 11111111111111111
03
NEW BALANCE
1,077.06
ACCOUNT NUMBER
052139851
MINIMUM DUE
105.00
PAYMENT DUE DAlE
SEPT 6, 2002
INDICATE AMOUNT ENCLOSED
I LISTED MY E-MAil ADDRESS ON THE REVERSE SIDE, CHECK HERE II
OAT[
STORE
1IlJIIIIIIIIIUII'III'III'I"I'I""I'I"IIIIIlIII'I"'"
CAROLYN G ZIHKE MAN
18 NITTANY DR
MECBANICSBURG P 17055-5559
I
!
,
I
I
j
052739851 )010770b0010500
PLEASE DETACH HER' AND MAil WITH PAYMENT TO THE ADDRESS ABOVE. MAKE CHECKS PAYABLE IN US DOLLARS
REFERENCE II I PURCHASES & PAYMENTS, RETURNS
NUMBER DEPT. NO. BON-TON TRANSAmON DESCRIPTION OTHER CHARGES & OTHER CREDITS
II '
PO BOX 17598
BALTIMORE MD 21297-1598
1,,1,1",11"1,11,1,,1,"111111,',1,',',,',,',',1,,1,,',',',,1
,/
CLAIM FORM
ESTATE OF CARDLYN ZIMMERMAN
BOSCOV'S
Notice of claim by
in the amount of S 1273.50
ORPHANS' COURT DIVISION 0:
COURT OF COMMON PLEAS OF
CUMBERLANt5'UNTY
21-02-862
NO.
filed pursuant to section 3384, Probate, Estates and
Fiduciaries Code Laws of 1972, Act No. 104 effec~ive July 1, 1972 as amended.
Data
19
(Claimant and Address I
9441 LBJ FREEWAY
Lock Box 30
Dallae. TX 7SNG
Enter the claim of
TO TH~ CLERK OF THE ORPBANS' COURT DIVISION:
BOSCOV'S
in the amount of S 17.73 _ 50
against the above entitled Estate. The decedent
6/20/02
who resided at
died on
(Address)
(Datel
Written notice of said claim was given to
SEE ATTACHED
(Personal Representative or Counsel)
aC
on
(Address)
The basis of aforesaid claim is as follows:
(DaCe)
(Itemize fully to enable personal representative
to make proper investigation).
Acct.l1003091066
tl-lame)
Claimant's Counsel
(Address)
9441 LBJ FREEWA'(
Lq~pO
Dallas, TX 75243
PROBATE COURT
Cumberland County, State of Pennsylvania
Carolyn Zimmerman, Deceased
Case #21-02-862
Proof of Mailing
I mailed the creditors claim to the fiduciary (and attorney, if applicable)
as follows:
I deposited a copy/copies of the claim with the United States Postal Service
in a sealed envelope with the postage fully pre-paid. I used first-class mail.
I am employed in the county where the mailing occurred. The enve1ope(s)
was/were addressed and mailed as follows:
Charles E. Shields, III
Attorney at Law
6 Clouser Rd.
Mechanicsburg, PA 17055
Date of Mailing:
I/t~
County of Mailing: Dallas, Texas
I declare nalty of perjury that the foregoing is true and correct,
Date:
Boscov's
P.O. Box 743124
Dallas, TX 75374
Page: 1 Document Name: BARBARA
BOSCOV'S CREDIT DIVISION
ACCOUNT INQUIRY
ORGANIZATION 100 LOGO 110 ACCT 0000000000003091066
SHORT NAME ZIMMERMAN ESTAT STATE PA HOME PHONE
TOT CR LMT 0 EMPL CD STATUS A
CA CR LMT 0 CSH AUTH .00
CASH BAL .00 TOT DISP 0 .00
CASH AVAL .00 CASH DSP 0 .00
O-T-B ******1,274- CYCLE DB 0 .00
PCT LEVEL / 10 S PA CYCLE CR 0 .00
CURR BAL l,273.50 CYCLE PMTS .00
\RIQ (
PAGE 01
REL
7177665709 BLOCK
NBR PLANS
CARD USAGE
BILLING CYCLE
DATE OPENED
CARD FEE DATE
DTE LST BILL
12/17/2002
ll:41:54
CODES
H
D
1
2
24
08/23/1985
11/24/2002
COMMONWEALTH OF PENNSYLVANIA
COURT OF COMMON PLEAS
OF CUMBERLAND COUNTY
ORPHANS' COURT DIVISION
NOTICE OF CLAIM
In Re: The Estate of:
CAROLYN G ZIMMERMAN
Deceased
Court File No: 21020862
TO: THE CLERK OF THE ORPHANS' COURT DIVISION:
Notice of claim by creditor, Pursuant to Section 3532(b)(2) of the Probate,
Estates, and Fiduciaries Code, 20 PA.C.S.A. 93532(b)(2).
1) Claimant's name: MBNAAMERICA
655 PAPER Mill ROAD
2) Claimant's address:
WilMINGTON, DE 19884-1411
3024580843
3) Creditor listed below is the owner and holder of a claim in the amount of
$ 1094S.68
4) The facts upon which this claim is based is an account for credit evidenced by the
attached Affidavit of Account Stated.
5) Decedent's address: 18 NITTANY DR MECHANICSBURG. PA 1705S
6)
Date of Death:
II
7) That the claim arose prior to the death of the decedent on or about
8) That the claim is secured by
On behalf of the claimant, I do solemnly declare and affirm under the penalties of
perjury that they Information and representation made herein are true and correct
to the best of my knowledge, information and ief.
Dated: 11fl.1r.h &(7005 / .~
Written notice of claim was given to person~;iR.";" r;s';,;;t'~~~;;"'CfI r h;';ih~;,#n;;
as stated below: I
ALL FIRST TRUST COMPANY OF PA I
I
Name
8 WEST HIGH STREET
Address
CARliSLE PA 17013
City/State/Zip
_See attached Affidavit of Mailing
Date notice mailed
IN RE ESTATE OF: CAROLYN G ZIMMERMAN
AFFIDAVIT OF ACCOUNT
The undersigned, being first duly sworn deposes and states the follows:
1. Your Affiant is authorized by the Claimant as its Authorized Representative-
fu-Fact to make this Affidavit.
2. Your Affiant has reviewed the account records of the Claimant with respect
to the decedent. Your Affiant is familiar with these records and accounts and
reviews them as a regular part of her duties.
3. The Decedent purchased merchandise in the amount of$ 10945.68
evidenced by account number 4800122999056829
4. The unpaid balance does not include any post-death late payment charges,
accrued interest, collection costs or attorney's fees.
Further your affiant sayeth not
MBNA America.
By:
-i'~7
One s
Kyle F enz
Lucill R s
Reathe ennedy.::L'
MBNA America
P. O. Box 15409
Wilmington, DE 19850-1423
N2talie qotierts
Notary Public
Minnesota
E xt"''1E; Jan~j? iv' 3', 20(';7
AFFIDAVIT OF MAILING
I, Lucille Roberts
, declare under penalty of peljury that I placed the envelope
for collection and mailing on the date and place shown below following our ordinary business
practices. On the same day that correspondence is placed for mailing, it was deposited in the
ordinary course of business with the United States Postal Service in a sealed envelope with postage
fully prepaid.
Personal Representative:
ALL FIRST TRUST CaMP ANY OF PA
8 WEST HIGH STREET
CARLISLE, PA 17013
Attorney for Estate:
CHARLIE E SHIELDS III
6 CLOUSER RD
Date
~
MBNA AmerIca
P.O. Box 15409
Wilmington, DE 1985a423
877-767-9383
03/03/03
REGISTER OF WILLS
CUMBERLAND COUNTY COURTHOUSE
1 COURTHOUSE SQUARE, #102
CARLISLE, PA 17013
Re: In the Estate of
Probate Case No.
Social Security No:
Last known residence:
Our Client:
Account Number:
AmolDltofDebt:
CAROLYN G ZIMMERMAN
21020862
184264621
18 NITTANY DR MECHANICSBURG, PA 17055
MBNA AMERICA
4800122999056829
$ 10945.68
Dear Sir or Madam:
Enclosed please find a Creditor's claim to be filed in the record with the above- referenced Estate.
Please return a file stamped copy of the claim in the enclosed self-addressed, stamped envelope. Thank you for
your assistance. If you have any questions or concerns, please call our firm toll free at 1-877-767-9383.
Cordially,
MBNA America
Enclosures
A check for $5.00 for the filing fee.
cc: Attorney for Estate
Personal Representative
This letter is an attempt to collect a debt and any information obtained will be used for that putpOse. This letter
is from a debt collector.
2744
2/2112003
874201
Register of Wills of
Estate of Carolyn G. Zimmerman
also known as
No. 21-02-0862
Date of Death 06/20/2002
,Deceased Social Security No. 184-26-4621
Allfirst Trust Company of PA, N.A.
Personal Representative(s) of the above Estate, deceased, verify that the items appearing in the following Inventory include all of the
personal assets wherever situate and all of the real estate in the Commonwealth of Pennsylvania of said Decedent, that the valuation
placed opposite each item of said Inventory represents its fair value as of the date of the Decedent's death, and that Decedent owned
no real estate outside of the Commonwealth of Pennsylvania except that which appears in a memorandum at the end of this
Inventory. I /We verify that the statements made in this Inventory are true and correct. I/We understand that false statements herein
are made subject to the penalties of 18 Pa. C.S. Section 4904 relating to unsworn falsification to authorities.
Personal Representative
Allfirst Trust Company of PA, N.A
Name of Charles E. Shields, III Signature:
Attorney:
I.D. No.: 38513 Signatur
Address: 6 Clouser Road Address: 8 West High Street
Mechanicsburg, PA 17055 Carlisle, PA 17013
Telephone: 717/766 - 0209 Telephone: 717/240 - 6707
Dated: 3~~, d3
CUMBERLAND County, Pennsylvania
INVENTORY
Prepared by the Pennsylvania Bar Association Form #fa~N-~ (1992)
C:nnvrioht (cl 1996 form software only CPSystems, Inc.
NOTE: The Memorandum of real estate outside ~~.C ~~~ ~ ~~ ~ ~~~ ~.-~~^~ ~ ~• • -• •• •-, • --~ - - -, -
include the value of each item, but such figures should not be extended into the total of the Inventory.
INVENTORY
Estate of: Carolyn G. Zimmerman
Date of Death: 06/20/2002
County: Cumberland
CASH:
AT&T - Credit Balance Refund
Cash found at home
Donegal Companies Homeowners
Insurance - Refund of
Cancellation
Medicare - Part B - Medical
Insurance Reimbursement
Members 1st Federal Credit
Union Savings Account
#44561-00
Accrued Interest
Members 1st Federal Credit
Union Holiday Account
#44561-02 - Date of Death
Balance
Accrued Interest
Members 1st Federal Credit
Union Checking Account
#44561-11
Peoples Benefit Life Insurance
Company - Refund of Premium
Tricare - Medical Insurance
Reimbursement
4.21
57.24
1.50
24.76
1,776.14
1.68
402.16
0.37
191.84
22.50
10.83
--------------
2,493.23
1
Estate of: Carolyn G. Zimmerman
Date of Death: 06/20/2002
County: Cumberland
PERSONAL PROPERTY:
1999 Buick LeSabre - Sale 9,200.00
Price
Dolls - Sale Price 397.06
Household Contents - Sale 3,513.50
Price
* .AU
Household Contents -
13,110.56
REAL ESTATE/PA:
18 Nittany Drive, 102,000.00
Mechanicsbu~~, PA - Sale
Price
TOTAL RECEIPTS OF PRINCIPAL......
102,000.00
----------------
117,603.79
* Informational Note: 'Phere were several items of household use
in the premises which were removed from the premises under claim
of right. The assumed value of these items is minimal and the
proofs necessary to recover them are somewhat complex. Ir: any
event, the cost of doing so would far exceed their apparent values.
2
/1- qQ.---?
REV-1500 EX + (6-00)
CAPB
HpRL
EplO
CRAC
KOTK
ES
C P
o 0
R N
R 0
E E
S N
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C
o
M
P
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X A
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REV-1500
INHERITANCE TAX RETURN
RESIDENT DECEDENT
FILE NUMBER
o
E
C
E
o
E
N
T
COMMONWEALTH OF PENNSYLVANIA
DEPARTMENT OF REVENUE
DEPT. 280601
HARRISBURG, PA 17128-0601
DECEDENT'S NAME (LAST, FIRST, AND MIDDLE INITIAL)
Zimmerman Carol
DATE OF DEATH (MM-OD-YEAR)
y
OFFICIAL USE ONLY
21-02-0862
COUNTY CODE YEAR
SOCIAL SECURITYNUMBER
184-26-4621
THIS RETURN MUST BE FILED IN DUPLICATE WITH THE
Copyright (c) 2000 form software only The Lackner Group, Inc.
DATE OF BIRTH (MM-DD-YEAR)
NUMBER
REGISTER OF WILLS
SOCIAL SECURITY NUMBER
06/20/2002 06/12/1933
IF APPLICABLE SURVIVING SPOUSE'S NAME LAST, FIRST, AND MIDDLE INITIAL
X 1. Original Return
4. limited Estate
X 6. Decedent Died Testate
2. Supplemental Return
4a. Future Interest Compromise (date of death after 12-12-82)
7. Decedent Maintained a Living Trust 0
(Attach copy of Trust)
(Attach copy of Will)
o 9. Litigation Proceeds Received
D 10. Spousal Poverty Credit
(date of death between 12-31-91 and 1-1-95)
..'rMIastctlQH'.llTiIilEl:!OMlllJ.mo.mCl)ARI!$1l~ ~e!.~ 'IillllillllOOli:F ~.
NAME COMPLETE MAILING ADDRESS
o
3. date of death
. Remainder Return prior to 12-13-82)
5. Federal Estate Tax Return Required
8. Total Number of Safe Deposit Boxes
11. Ejection to tax under Sec. 9113{A)
(Attach Sch 0)
~ !$Ol.PiIlEiEiilllil:e
(l)Tbi:S;
Thomas E. Markin
FIRM NAME (If Applicable)
A11first Trust Com an of PA, NA
TELEPHONE NUMBER
8 West High Street
Carlisle, PA 17013
OFFICIAL USE ONLY
(S) 117,603.79
(11) 166.365.03
(12) (48,761.24)
(13)
(14) (48,761.24)
(15)
(16)
(17)
(IS)
(19)
0.00
0.00
0.00
0.00
0.00
R
E
C
A
P
I
T
U
L
A
T
I
o
N
o
1. Real Estate (Schedule A)
2. Stocks and Bonds (Schedule B)
3. Closely Held Corporation, Partnership or
Sole~Proprietorship
4. Mortgages & Notes Receivable (Schedule D)
5. Cash, Bank Deposits & Miscellaneous Personal Property
(Schedule E)
6. Jointly Owned Property (Schedule F)
D Separate Billing Requested
7. Inter-Vivos Transfers & Miscellaneous Non-Probate Property (7)
(Schedule G or L)
8. Total Gross Assets (total Lines 1-7)
9. Funeral Expenses & Administrative Costs (Schedule H) (9)
10. Debts of Decedent, Mortgage Liabilities. & Liens (Schedule I) (10)
11. Total Deductions (total Lines 9 & 10)
12. Net Value of Estate (Line 8 minus Line 11)
13. Charitable and Governmental Bequests/See 9113 Trusts for which an election to tax has not been
made (Schedule J)
14. Net Value Subject to Tax (Line 12 minus Line 13)
(1)
(2)
(3)
102,000.00
None
None
(4)
(5)
None
15,603.79
(6)
None
None
22,239.06
144,125.97
SEE INSTRUCTIONS ON REVERSE SlOE FOR APPLICABLE RATES
15. Amount of Line 14 taxable at the spousal tax
rate, or transfers under Sec. 9116(a)(1.2)
16. Amount of Line 14 taxable at lineal rate (48,761.24)
17. Amount of Line 14 taxable at sibling rate
18. Amount of Line 14 taxable at collateral rate
19. Tax Due
20.
X
X
X
X
.0 0
.0 45
.12
.15
Form REV-1500 EX (Rev. 6-00)
Decedent's Complete Address:
STREET ADDRESS
18 Nittanv Drive
CITY I STATE I ZIP
Mechanicsburg PA 17055
Tax Payments and Credits:
1. Tax Due (Page 1 Une 19)
2. Credits/Payments
A. Spousal Poverty Credit
B. Prior Payments
C. Discount
(1)
0.00
Total Credits ( A + B + C) (2)
0.00
3. Interest/Penalty jf applicable
D. Interest
E. Penalty
TotallnteresVPenalty ( D + E) (3)
4. If line 2 is greater than Line 1 + Line 3, enter the ditterence. This is the OVERPAYMENT.
Check box on Page 1 Line 20 to request a refund (4)
5. If line 1 + line 3 is greater than Line 2, enter the difference. This is the TAX DUE. (5)
A. Enter the interest on the tax due. (SA)
S. Enter the total of line 5 + SA. This is the BALANCE DUE. (58)
Make Check Payable to: REGISTER OF WILLS, AGENT
ii!iijjiiiiii:!!i!:I:i:::::i::i!ii:ii!'!"i'" :!;;:;i;iiiiiiiii!l!i!!!!;!!!!!!i!!!!!!!!!I!!!!!!!I!!!!!!!!!!!!!!!!!iiiiliii!!i:r:ii' iiiii!::!iii!lii!:::"."
. PLEASE ANSWER TI-IEFOLLOWING QUESTIONS BY PLACINtiAN "X,i IN THE APPROPRIATE BLOCKS
1. Did decedent make a transfer and: Yes No
a. retain the use or income of the property transferred; ~ ~x~
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? . D ~
3. Did decedent own an "in trust for" or payable upon death bank account or security at his
or her death? , 0 [R]
4. Did decedent own an Individual Retirement Account, annuity, or other non-probate property
which contains a beneficiary designation? 0 IT]
IF THE ANSWER TO ANY OF THE ABOVE QUESTIONS IS YES,
YOU MUST COMPLETE SCHEDULE G AND FILE IT AS PART OF THE RETURN.
0.00
0.00
0.00
0.00
0.00
Under penalties of perjury, [ declare that I have examined this return, Ineluding accompanying schedules and statements, a.nd to the best 01 rrtt 'i(now\edge and belief, it is true,
e. Declaration of preparer other than the personal representative Is based on all informatIon of which preparer has any knowledge.
SPONSIBLE F FILING RETURN
UI1,
Allfirst Trust Company of PA, NA
_ __!! _!l:,_~1O_ !l.~gJ:1__~1O,:'_".1O_ --- _ -- --- --- - --- --- - --- - ---
Carlisle, PA 17013
DATE
.3/17///3
DATE
-----------------------------------------------------
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 3% [72 P.S. 9116 (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 0%
[72 P.S. 9116 (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 tal< 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 0"10 [72 P.S. 9116 (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 4.5%, except as noted in 72 P.$. 9116( 1.2)
[72 P.S. 9116(a)(1)].
The tax rate imposed on the net value of transfers to or for the use of the decedent's siblings is 12"10 [72 P.S. 9116(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.
copyright (c) 2000 form software only The Lackner Group, Inc. Form REV-1500 EX (Rev. 6-00)
REV-1502 EX + (1-97)
COMMONWEALTH OF PENNSYLVANIA
INHERITANCE TAX RETURN
RESIDENT DECEDENT
ESTATE OF FILE NUMBER
Carolyn G. Zimmerman SS# 184-26-4621 06/20/2002 21-02-0862
All real property owned solely or as a tenant in common must be reported at fair market value. Fair market value is defined as the price
at which property would be exchanged between a willing buyer and a willing seller, neither being compelled to buy or sell, both having reasonable
knowledge of the relevant facts. Real property which is jointly-owned with riaht of survivorship must be disclosed on Schedule F.
ITEM VALUE AT DATE
DESCRIPTION
NUMBER OF DEATH
1 18 Nittany Drive, Mechanicsburg, PA - Sale Price 102,000.00
SCHEDULE A
REAL ESTATE
TOTAL (Also enter on line 1, Recapitulation) $ 102,000.00
(If more space is needed, insert additional sheets of the same size)
Copyright (c) 1996 form software only CPSystems, Inc. Form REV-1502 EX (Rev. 1-97)
REV~1508 EX +(1-97)
COMMONWEALTH OF PENNSYLVANIA
INHERITANCE TAX RETURN
RESIDENT DECEDENT
SCHEDULE E
CASH, BANK DEPOSITS, & MISC.
PERSONAL PROPERTY
ESTATE OF FILE NUMBER
Carolyn G. Zimmerman SS# 184-26-4621 06/20/2002 21-02-0862
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
NUMBER
1
11
12
13
DESCRIPTION
AT&T - Credit Balance Refund
VALUE AT DATE
OF DEATH
4.21
2
Cash found at home
57.24
3
Donegal Companies Homeowners Insurance - Refund of Cancellation
1.50
4
Medicare - Part B
Medical Insurance Reimbursement
24.76
5
Members 1st Federal Credit Union Savings Account #44561-00
Date of Death Balance
Accrued Interest
1,776.14
1.68
6
Members 1st Federal Credit Union Holiday Account #44561-02 - Date
of Death Balance
Accrued Interest
402.16
0.37
'.
7
Members 1st Federal Credit Union Checking Account #44561-11
Date of Death Balance
191. 84
8
Peoples Benefit Life Insurance Company - Refund of Premium
22.50
9
Tricare - Medical Insurance Reimbursement
10.83
10
1999 Buick LeSabre - Sale Price
9,200.00
Dolls - Sale Price
397.06
Household Contents
Sale Price
3,513.50
Household Contents
0.00
*
* Informational Note: There were several items of household use
in the premises which were removed from the premises under
clai.m of right. The assumed value. of these items is minimal
and the proofs necessary to recover them are somewhat complex.
In any event, the cost of doing so would far exceed their
apparent values.
TOTAL (Also enter on line 5, Recapitulation) $ 15,603.79
(If more space IS needed, Insert additional sheets of the same size)
copyrlght(c) 1996 form software only CPSystems, Inc. Form REV-1508 EX (Rev. 1-97)
REV-1511 EX + (1-97)
SCHEDULE H
FUNERAL EXPENSES &
ADMINISTRATIVE COSTS
COMMONWEALTH OF PENNSYLVANIA
INHERITANCE TAX RETURN
RESIOENT DECEDENT
ESTATE OF
Carolyn G. Zimmerman
5511 184-26-4621
06/20/2002
FILE NUMBER
21-02-0862
Debts of decedent must be reported on Schedule I.
ITEM
NUMBER DESCRIPTION AMOUNT
A. FUNERAL EXPENSES,
1 Musselman Funeral Home - Funeral Expense 3,190.45
B. ADMINISTRATIVE COSTS,
1. Personal Representative's Commissions 6,000.00
Name ot Personal Representative(s) Allfirst Trust Company of PA, NA
Social Security Number(s) / EJN Number ot Personal Representative(s)
Street Address 8 West High Street
City Carlisle State PA Zip 17013
-
Year(s) Commission Paid:
2. Attorney's Fees Charles E. Shields, III 5,704.15
3. Family Exemption: (It decedent's address is not the same as claimant's. attach explanation)
Claimant
Street Address
City State Zip
-
Relationship ot Claimant to Decedent
4. Probate Fees Register of Wills 238.00
5. Accountant's Fees
6. Tax Return Preparer's Fees
7. Other Administrative Costs
1 AlHirst Bank - Reimbursement for Duplicate Care Title 17.00
2 Bridge Street Realty, LLC - Real Estate Appraisal Fee 325.00
3 Charles Shields - Reimbursement for Advertising, Abstract 238.95
Services and Postage
4 Chuck Bricker, Auctioneer - Sale Setup Cost 410.00
5 Chuck Bricker, Auctioneer - 5% Commission on Sale of 1999 Buick 460.00
LeSabre
Total of Continuation Schedule(s) 5,655.51
TOTAL (Also enter on line 9, Recapitulation) $ 22,239.06
(11 more space is needed, insert additional sheets of the same size)
copyright (c) 1996 form software only CPSystems, Inc.
Form REV-1511 EX (Rev. 1-97)
Estate of: Carolyn G. Zimmerman
Soc Sec #: 184-26-4621
Date of Death: 06/20/2002
Continuation of Schedule H-B4
(Probate Fees)
I tern
if
Description
Amount
1
Charles E. Shields III - Reimbursement for Probate Fee and 10
Short Certificates
238.00
238.00
Estate of: Carolyn G. Zimmerman
Sac Sec #: 184-26-4621
Date of Death: 06/20/2002
Item
#
Continuation of Schedule H-B7
(Other Administrative Costs)
Description
Amount
6
Chuck Bricker, Auctioneer - Partial Auction Fee on Sale of
Real Estate
1,000.00
7
Chuck Bricker, Auctioneer
Advertising Cost for Auction
440.00
8
Chuck Bricker, Auctioneer
Auctioneer and Clerk Fees
350.00
9
County and Township Real Estate Taxes paid at Real Estate
Settlement
6.68
10
Estimated Final Costs of Administration and Postage
500.00
11
Harrisburg Locksmith Service - Installed New Lock Sets at 18
Nittany Drive, Mechanicsburg, PA
164.30
12
Merry Maids 595 - Janitorial Cleaning
159.00
13
Paul M. Bouder - Sale of Dolls in Estate through EBay Listing
77 .41
14
Pennsylvania Power and Light Company - Utility Expense
147.95
15
Pennsylvania Real Estate - Tranfer Tax paid at Real Estate
Settlement
1,020.00
16
Postmaster - Estimated Cost of Filing Notices
500.00
17
Robert Haring - Clean out 18 Nittany Drive, Mechanicsburg, PA (2
Loads)
120.00
18
Seabury & Smith, Inc.
Property Insurance (Fire) on Real Estate
298.48
19
Seabury & Smith, Inc.
Liability Insurance on Real Estate
67.44
20
Shipley Energy - Final Bill for Fuel Oil
217.35
21
Sollenberger's Messenger Service - Vehicle Record Information for
1999 Buick LeSabre
36.50
22
United Water Pennsylvania - Utility Expense
85.83
23
Upper Allen Township - Sewer Fees paid at Real Estate Settlement
216.59
24
US Postmaster - Postage to Certify Notice of Public Auction to
Creditors and Beneficiaries
83.98
Estate of: Carolyn G. Zimmerman
Soc See #: 184-26-4621
Date of Death: 06/20/2002
Continuation of Schedule H-B7
(Other Administrative Costs)
Item
#
Description
Amount
25
Zimmerman Plumbing and Heating - Plumbing Repairs (Repair Toilet)
164.00
5,655.51
COMMONWEALTH OF PENNSYLVANIA.
INHERITANCE TAX RETURN
RESIDENT DECEDENT
ESTATE OF
Carolyn G. Zimmerman
REV- 1512 EX t (1~97)
SCHEDULE I
DEBTS OF DECEDENT,
MORTGAGE LIABILITIES, AND LIENS
FILE NUMBER
21-02-0862
SS!I 184-26-4621
06/20/2002
Include unreimbursed medical expenses.
ITEM
NUMBER
1
10
11
AMOUNT
969.02
DESCRIPTION
Bon-Ton - Account #052739851 - Balance due
2
Boscov's - Account #003091066 - Balance due
1,139.67
3
Comcast Cable - Account #0502054226301 - Balance due
34.99
4
Commonwealth of Pennsylvania - Public School Employees'
Retirement System
2,214.03
5
Family Medical Practice - Medical Expense
35.59
6
Holy Spirit Hospital - Account #19070820
Balance due
42.08
7
Marlin Yohn, Sr. Treasurer - School Real Estate Taxes
1,316.71
8
MBNA/LL Bean - Account #4800122763130941 - Balance due
10,945.68
9
Members 1st Federal Credit Union Loan Account #44561-07 - First
Mortgage on 18 Nittany Drive, Mechanicsburg, PA
97,930.04
Members 1st Federal Credit Union Home Equity Advantage Account
#44561-08 - 18 Nittany Drive, Mechanicsburg, PA
17,738.24
Members 1st Federal Credit Union Visa Credit Card Account
#4287590000445615 - Balance at Date of Death
9,317.49
12
Mobil - Account #3366115057 - Balance due
12.91
13
Pennsylvania Neurological Associates
Medical Expense
11.88
14
Pennsylvania Power and Light Company
Expense - Account #379007500
Utility Expense - Utility
29.99
15
Sunoco - Account #566799905473 - Balance due
58.16
16
The Patriot News Company - Account #76657021M - Balance due
13.10
17
United Water Pennsylvania - Utility Expense Account #242691
15.30
18
Upper Allen Township - Second Quarter Sewer Expense
100.00
19
Verizon - Account #717-766-5709-005 SSI - Balance due
20.88
20
Wa1-Mart Stores Inc. - Account #60327207620341610 - Balance due
2,071.07
Total of Continuation Schedu1e(s)
109.14
TOTAL (Also enter on line 10, Recapitulation) S 144,125.97
(If more space is needed, insert additional sheets of the same size)
Copyright (c) 1996 form software only CPSystems, Inc. Form REV-1512 EX (Rev. 1-97)
Estate of: Carolyn C. Zimmerman
Soc Sec #: 184-26-4621
Date of Death: 06/20/2002
Continuation of Schedule I
(Debts of Decedent, Mortgage Liabilities and Liens)
Item
1/
Description
Amount
21
Waste Management of PA - Balance due
34.14
22
West Short Pathology Association - Medical Expense
75.00
109.14
REV-1513 EX... (9~OO)
SCHEDULE J
BENEFICIARIES
COMMONWEALTH OF PENNSYLVANIA
INHERITANCE TAX RETURN
RESIDENT DECEDENT
06/20/2002
ESTATE OF
Caro1,n G. Zimmerman
SSifr 184-26-4621
REL~110NSHIP TO DECEDENT
Do Not List Trustee(s)
NUMBER
I.
NAME AND ADDRESS OF PERSON(S) RECEIVING PROPERTY
TAXABLE DISTRIBUTIONS flnc:lude outright spousal distributions, and
transfers under Sec. 9116(a)(1.2)]
Kim Eva.ns
2204 Fennick Avenue
Mechanicsburg, PA 17055
Daughter
1
FILE NUMBER
21-02-0862
AMOUNT OR Sl1ARE
OF ESTATE
Entire Residue
ENTER DOLLAR AMTS. FOR DISTRIBUTIONS SHOWN ABOVE ON LN. 15 THRU 18, AS APPROPRIATE, ON REV 1500 COVER SHEET
II. NON- TAXABLE DISTRIBUTIONS,
A. SPOUSAL DISTRIBUTIONS UNDER SEC. 9113 FOR WHICH AN ELECTION TO TAX IS 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 S
(If more space is needed, insert additional sheets of the same size)
Copyright (c) 2000 form software only The Lackner Group, Inc.
0.00
Form REV-1513 EX (Rev. 9~OO)
~~A:::~-:}1:-:. ~ -~';'i'--i:~l'->~I;; 'i{' ,-,~'{;:')':,:''f''rc~:-~ t'-,; ,:(.
'1-'
I
I
I
I
11Ittgl Ifill nub illtShttnrnt
I, CAROLYN G. ZIMMERMAN, of the Borough of Lemoyne, County of
Cumberland, and State of Pennsylvania, make, publish and declare this to be my
Last Will and Testament, hereby revoking and making void any and all Wills by
me at any time heretofore made.
1. I direct the payment of my just debts and funeral expenses
as soon after my decease as may be convenient to my Executor hereinafter named.
II. I give, devise and bequeath my estate unto LEMOYNE TRUST
COMPANY, in trust, nevertheless, for the benefit of my daughter, KIMBERLY LYNN,
under the following conditions:
A. The Trustee shall invest the fund under the standard
of a prudent man and shall pay the income unto the person or persons
maintaining my daughter, during her minority, and when she shall have
attained responsible age, in the discretion of the Trustee, to her
personally;
B. In addition to such income, should it appear that such
payments, together with funds available to my daughter from other
sources is insufficient, the Trustee, acting in its sole discretion,
shall distribute necessary amounts of principal for her maintenance and
education;
C. When my daughter attains age twenty-five (25), the Trustee
shall distribute to her oneMhalf (1/2) the fund then remaining in trust,
and when she attains age thirty (30) shall distribute to her the balance.
D. Should my daughter die during the continuance of the
Trust, the fund shall be distributed to my mother, if she be then living,
and if not, to my brothers and sisters and the issue of any who may be
deceased, per stirpes.
III. I name, constitute and appoint BETTY WILLHITE and FREDERICK
T. WILLHITE, of Melbourne, Florida, to be the Guardians of the Person of my
daughter during her minority.
IV. I name, constitute and appoint LEMOYNE TRUST COMPANY, of
I-I
!
,
Lemoyne, Pennsylvania, to be the Executor of this, my Will.
IN WITNESS WHEREOF, I have hereunto set my hand and seal this
~d.y of~~, ~. 196.01.0
0~'\.,,~"tQ, ~"""""hN''c~''
(SEAL)
Signed, sealed, published and declared by the above named Testatrix,
CAROLYN G. ZIMMERMAN, as and for her Last Wjll and Testament, in the presence
of us, who at her request, in her presence, and in the presence of each other,
have hereunto subscribed our names as witnesses.
'I
InRe:
IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY , PENNSYLVANIA
NO. ;)..}- 01.. -cf~2....
ORPHANS' COURT DIVISION
PETITIO FOR COURT APPROVAL OF AUCTION SALE OF
RE ESTATE WHERE ESTATE IS INSOLVENT
A THERE ARE INSUFFICIENT FUNDS TO
PAY ESTATE ADMINISTRATION EXPENSES AND
TO FULLY ATISFY THE HOLDER OF THE FIRST MORTGAGE
TO THE HONORABL JUDGES OF THE SAID COURT:
BACKGROUND INFORMATION
I. petitiOnerlALLFIRST TRUST COMPANY OF PENNSYLVANIA, N.A., is the
successor to Lemoyne Ttst Company, and is the Executor of the Last Will and Testament of
Carolyn G. Zimmerman. Said Executor has a mailing address of 8 West High Street, Carlisle, PA
17013.
2. Carolyn. Zimmerman departed this earthly life on June 20, 2002 and her last will
and testament dated Dee mber 19, 1964 was duly probated and letters testamentary were issued
thereon to the said Exec r on September 24,2002. (See copy of Will attached as Exhibit A.)
3. The said I t will and testament provided, inter alia, for a trust to be established for
the benefit of decedent's hen minor daughter, an only child, and for the appointment of guardians
of the then minor daugh r's person. Said daughter is now an adult, and is known as Kim Evans,
and lives at 2204 Fenwic Avenue, Mechanicsburg, Cumberland County, PA 17055.
i
I JURISDICTION
Jurisdicti n, venue, power, and authority lies in this Court per PEF Code Sections
I
4.
711(1) (15) (16); 712(3) jincluding matters not enumerated); 721(1); and 3353.
, EST ATE ASSETS
5. The estat is composed of the following broad categories of assets:
A.) RSONALTY composed of typical household furnishings, an
automobile, and other lik items which were sold at auction by Chuck Bricker on November 16,
2002. The gross value 0 said auction was $12,713.50. After deduction of the auctioneer's
expenses and commissio s, the net received was $10,053.50
B.) P RSONALTY was retained by the family with the understanding that it
must be purchased from e estate in the event of an insolvency, currently believed to have a noo-
appraised but roughly es . mated value of $500.00.
C.) R SIDENTIAL REAL ESTATE addressed in more detail below, situate
at 18 Nittany Drive, Mec anicsburg, Upper Allen Township, Cumberland County, Peunsylvania,
having an appraised valu of $125,000.00. (See appraisal by Tammy Sheaffer, aikJa Tammie
Sheaffer, of Bridge Stree Realty, attached hereto as Exhibit B.)
D.) SCELLANEOUS; BANK ACCOUNTS; REIMBURSEMENTS
ND THE LIKE amount to approximately $3,493.37.
Tre total of the above items is $141,706.87. (Gross)
I
I
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The estat was subject to the following known liabilities as of the date of death:
A.) ~ first mortgage on the said real estate in favor of Members First Federal
Credit Union in the am9unt of $97,930.04.
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8.) ~second mortgage on the said real estate in favor of Members First Federal
Credit Union in the am untof $17,738.24.. This second mortgage was paid off in full as a result of
a life insurance policy d is no longer an Issue.
E.)
ESTATE LIABILITIES
6.
C.) A series of unsecured bills and debts, including credit cards, totalling
approximately $29,709. 2. These unsecured debts are listed upon the Schedule of unsecured debts
attached hereto as Exhib't C.
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D.) A fteral bill of $3,190.45.
7. The esta~ is also subject to assorted unknown estate administration expenses,
charges, fees, and the li~~, including costs and expenses advanced by Executor and counsel,
executor's and counsel's Fees, and an auctioneer's fee of $2660.00 It is believed that these expenses
may approximate a totallof $20,534.23
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8. The total liabilities theoretically subject to payment amount to $151,363.94.
AGREEMEN BETWEEN EXECUTOR AND PRIMARY LIENHOLDER
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9. As a res~t of a series of discussions and meetings, the Executor and the Primary
Lienholder entered an A ment which is believed to be in the best interests of all concerned (See
a true and correct copy hed hereto as Exhibit D.)
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The said rgreement provides in pertinent part for the following:
A.) ~ounsel is to advance funds for the payment of probate fees, advertising
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costs, and the like.
8.) embers First escrows $10,000.00 from the sale proceeds as security for
payment of estate admi istrative expenses, executor's fees, and attorney's fees, which are to be paid
for services rendered an costs incurred.
C.) .the preliminary estimate of possible fees for Executor and Counsel based
on five (5%) per cento~asset value were in the range of $15,000.00. In view of the current
knowledge as to all asser and their values, this will likely be a lesser figure.
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D.) I~ the event that the escrow is not sufficient to pay such fees and costs,
Members First agrees ~ increase the fund.
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E.) ecutor and Counsel are not to conduct a final sale without Members First
having first established a floor price for any sale.
F.) mbers First agrees to release its lien and/or mark its mortgages paid in
the event of an acceptabl sale.
11. Although Allfirst could have refused to serve as Executor, it graciously decided not
to in view of the fact the nIy other person apparently available to serve as a personal representative
was decedent's onIy chil , Kim Evans. Ms. Evans was in no realistic or practical position to so
serve in view of the fact t she is effectively a single parent and has several small children, has not
the financial wherewith to absorb any unexpected or major administrative expenses that could
possibly occur,a nd was' the process of obtaining a new job and undergoing job training in
Allentown. Additionally the Estate already had many problems and potential problems resulting
from its insolvency and mplexity.
APPRAISAL PROCESS
12. In view 0 the fact that the real property had had recent evaluations as to its likely
value in association with various loans and in view of the decided necessity to conserve the estate's
meagre resources, it was decided to obtain one (1) professional appraisal posthaste.
13. used Tammy, alkJa Tammie Sheaffer in the past as a real estate appraiser
and has found her eval . ons to bevery reliable and accurate. Her qualifications are listed in her
appraisal report attached hereto as Exhibit 8. See also the letter of Ronald W. Howard of
November 26, 2002 a hed hereto as Exhibit E.
AUCTION SALE PROCESS
14. Allfirst d ided, that in view of the insolvency of the estate and a desire to spend no
more of the estate's mea er funds on the protection of the property with winter coming on, to have
an auction sale of the p rty with Chuck Bricker, auctioneer, on the earliest available date.
Accordingly, an Agreem nt was entered into which is attached hereto as Exhibit F.
15. The auctt' n sale took place on Saturday, November 16, 2002 on the premises. A
copy of the Conditions Sale are attached hereto as Exhibit G. These show an equal division of
real estate transfer taxes tween the parties. There will also be an additional payment to the
auctioneer of $530.00.
16. The prefe ed price for the premises was determined to be $118,000.00 by the real
estate committee of Allfi t This preferred price was arrived at by taking a reduction roughly
equivalent to a standard tor's commission, keeping in mind an executor's hasic duty to obtain a
fair and reasonable price or the sale of property and a duty to be careful in view of the fact it
appears that creditors wil not be paid in full or even at all.
17. The hightt bid price at the auction was $102,000.00. This bid was tendered by
Daniel T. Piscioneri, a p fessional Broker/Owner with Century 21, Piscioneri Realty, Inc., 3315
Market Street, Camp Hil , PA 1701 L
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18. The sale ras made specifically subject to and contingent upon the final approval of
the sale by the Orphans' Icourt of Cumberland County.
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19. Members I First has assented to the sale at the said price.
CURRE SITUATION OF INTERESTED PARTIES HEREIN
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20. Members I First, as a primary lienholder, has agreed to a sale at this price.
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21. The inter ts of Members First are technically different than those of Allfirut in that
Members First, as Iienho der, has every right to foreclosure on the property if need be to protect its
interests. Its basic intere ts are to be paid in full or as nearly as it can be to cut any potential losses.
Members First graciousl consented to the current actions in view of its desire to be loyal to good
customers and members over the years and to not "pull the plug" on the estate.
22. Allfirst h a duty to obtain a fair and reasonable price under all the circumstances
and believes that under I the circumstances, and especially in view of Members First's situation,
that the price bid is fair d reasonable. It is only through the good offices of Members First that
any estate administratio could be undertaken.
23.
title report.
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Daniel T j Piscioneri is a cash buyer who is ready to settle as soon as he obtains a
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I ASPECTS OF TITLE AND CREDITORS
24. It does n t appear likely that sufficient funds will be available to pay the funeral hill
to Musselman's Funeral Home. Upon information and belief this will be paid by various members
of decedent's family.
25. A sched e of unsecured creditors has been attached as Exhibit C. All creditors,
excepting Waste Manag men!, having a bill of only $34.14, have been formally notified of estate
administration and the a ction sale. In the case of the auction sale, the creditors were sent a notice
of the auction sale and t likelihood of the insolvency of the estate. A specimen of the notice is
attached as Exhibit H. T ese were all sent by certified mail with a return receipt requested.
26. d creditor came to the auction or made themselves known to any person
or persons affiliated with the executor, counsel, or primary lienholder. It is believed that no
unsecured creditors earn to the auction sale, other than Members First.
27. Among e unsecured creditors are a number of credit card companies. It is typical
for credit card contracts include confession of judgment clauses. The entry of such a judgment
would cause extreme dif culty to the executor and its efforts to settle the estate. Such entry,
however, would do nothi g to displace the primary lienholder or to prevent it from exercising its
rights to foreclose.
28. A prompt sale is in the best interest of the estate.
29. The estat has been duly and properly advertised in the Cumberland Law Journal on
October 18, 25, and Nov mber 1,2002, and in the Harrisburg Patriot Metro- West on October 15,
22, and 29, 2002.
30. It is sugg ted that there should be no need for additional advertisement or notice of
a hearing or of a hearing n view of the good and sufficient notices sent to the unsecured creditors
as to the likely insolvenc of the estate.
31. Your peti oners and those interested parties joining herein, request the approval of
your Honorable Court f the sale upon the terms and conditions set forth on the aforesaid auction
contract to the said Dani T. Piscioneri or his assigns, as the case may be; for an order to have the
sale considered free and ear of all liens excepting those of Members First, the primary lienholder,
with the understanding t t Members First will mark the mortgages herein mentioned satisfied and
will otherwise adhere to and carry out the terms of its agreement with the execulor and counsel; that
Executor shall file a fo al accounting for approval at the end of the Estate administration; and that
Executor shall deliver a ood and sufficient deed with a fiduciary warranty to the said purchaser, or
his assigns, as the case ay be.
WHEREFOR , your Petitioners and those interested parties joining herein respectfully
pray that this Honorable Court will enter an Order that
(a) The real roperty of the Estate of Carolyn G. Zimmerman, deceased, located at 18
Nittany Drive, Mechani sburg (Upper Allen Township), Cumberland County, Pennsylvania, shall
be sold upon those term and conditions more fully set forth in that certain auction contract dated
November 16,2002, by d between the said Estate and Daniel T. Piscioneri, (for a price of one
hundred two thousand d noll00 [$102,000.00] dollars, the usual common law standards as to
assignability to apply.)
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(b) The sale rd conveyance shall be considered to be a judicial sale and as such, shall
be free and clear of all lifns excepting those certain mortgages held by Members First, the primary
lienholder. !
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(c) Membed First shall mark or cause to be marked the Mortgages upon the said
property satisfied in fulL!
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(d) Members!' First, Executor, Allfirst, and Counsel, Charles E Shields, III, shall adhere
to and carry out the term of their agreement.
(e) Allfirst sJall file a formal accounting for approval at the end of the Estate
administration. 'I
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(f) Allfirst S;l prepare, sign, seal, and deliver a good and sufficient deed with a
fiduciary warranty to the said Daniel T. Piscioneri or his assigns, as the case may be, upon the said
purchaser's full perform ce of the terms and conditions of that certain aforesaid auction contract.
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Respectfully submitted,
/JI .I,.f: Afl-/J /
By: {//'lIt1W- P'~
Charles E Shields, 1lI, Esquire
6 Clouser Road
Mechanicsburg, PA 17055
(717) 766-0209
Supreme Court 1.0. No. 38513
In Re:
Estate of CAR YN G.
ZIMMERMAN, ate of
Upper Allen To nship
IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY, PENNSYLVANIA
NO. ;< /.0 7. -8ftJz,.-.
ORPHANS' COURT DIVISION
VERIFICATION
I, Thomas E. M ricin, Vice President of Allfirst Trust Company of Pennsylvania, N.A.,
Petitioner in the attached Petition, hereby verify that the facts recited are true and correct to the best
of my knowledge, info ation and belief. I make this verification subject to penalty for unsworn
falsification to authoritie
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~: W-LTTi/E5S I
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~L./(+JI~LI" [ 1<lrp.,,~
. Y(""l-Af!;.w'<lk~
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[CORPORATE SEAL] I
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ALLFIRST TRUST COMPANY OF PA., N.A.
12/15/2002 05:05
7177'357473
SHIELDS
PAGE 04
InRe:
IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY, PENNSYLVANIA
ESIate of CAROL N O.
ZIMMERMAN, I te of
Upper Allen To p
NO. ), 1-0 1. - gfu 2---
ORPHANS' COURT DIVISION
CONSENT ANP JOINDER
I, Panlel T. Plsc onerl, have read the attached PETI'l'ION, and am in agreement with its
contents and the represen lions made to your HONORABLE COURT therein.
IN WITNESS lJEREOF, intending to be legally bound hereby, and to bind my heirs,
executors, adInioistr3IDrS, and assigns, I hereunm affi.x my hand and seal the date set forth opposite
my signature below.
1)Q,~ b~F Ie, ;), aJv
~~/(B
(SEAL)
Date DANIEL T. PISCIONERI
Subscribed and sworn before meSh~\\f L~ Pu"/' \))ne ~
a Notary Public, this day of \)p('e<<l~ r . A,D., 2002.
[NOTARY SEAL AND 5T AMp]
Notarial Seal
Shelley D. Pinckney, Notary Public
Camp Hill Boro, Cumberland County
My Com",lission Expires Nov. 1, 2004
Member. Pennsylvama Assoc)a:luf] of Notaries
loRe:
71779f7473
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SHIELDS
PAGE 82
12/16/2882 85:28
IN THE COURT OF COMMON PLEAS OF
CUMBElUl.AND COUNTY, PENNSYLVANIA
EslaIIl of CAR YN G.
, Ilk of
Upper Allen T 'p
NQ. ';</-02-8&>'t.
OR?HANS' COURT DIVISION
CONSENT AND~
I, P8Id R. 'W
l.Jnio!m, have mid
repluel~OIIS made
, Vice PI........ for LolIIDI or Membcn JI'Int FedInl Credit
,,~ I"lliunON, ad am in agreement with its COllllmts and the
your HONOIlABLI: COURT 1ho:mn.
.. ,',
, ,'T; t
L"l WITNESS WHEREOF, iD~.if(; ~bIDd ..iypriDcipel. ilS 5ucnllStlrs, ad
assigns, I hereunto hay affixed my haud and _ Ihc _ .,cortb oppoeite my signature below.
;-,
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Attest
MEMBERS FIRST FFDERAL CREDIT
'tON""
9 2COL
Date
.....w..... V
, ""'iL~~:f
a Notary Public, this
~
NIf.<i.f'JI" Rtf:>> :""v.
,-
dayof . ,"'lYei!-'~!'i1A;bi,2002.
;',::'~_t,~:>'-l ;;'. I '1:;,,"1:. . ~>,. 11~;','
. ;"':.! ~~ ~.. ~.. it,
Notary Public
Nolanal Seal
Ma _ n Rips-on,r t-lotarJ P-ubllc
lower A! n r\o\'P:. Cumberland Cou/oly.
Pdy ~om, issio'l Expire,s ~uly' ~7,..2004 I ~ .,\;),
Member, s~if"anfaA..."-:Sooat . iYNcti.rtes'-'
,;
'!~ SEAL AND STAMP]
".:(-.:"'P!-'~'
I H.,{:~)~,;,:
--":"'("'IY";
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3Ettgt ~ill ttn~ W~shttn~nt
I. CAROLYN G. ~IMMERMAN' of the Borough of Lemoyne, County of
,
Cumberland, and State of pennsrlvania, make, publish and declare this to be ~
Last Will and Testament, herebf revoking and making void any and all Wills by
me at any time heretofore made,
1. I direct tre payment of my just debts and funeral expenses
I as soon after ~ decease as mat be convenient to my Executor hereinafter named.
II. I give, derise and bequeath my estate unto LEMOYNE TRUST
COMPANY, in trust, neverthele~' , for the benefit of my daughter, KIMBERLY LYNN,
under the following conditions:
A. The T stee shall invest the fund under the standard
of a prudent man and Srall pay the income unto the person or persons
maintaining my daughter, during her minority, and when she shall have
attained responsible 1Fe, in the discretion of the Trustee, to her
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'X::::';.', '~~\
.J::'~~i,{!.,~.,'
~:',i'.I;. ,,'. r J.
-'7..
- ~;' .>;.>:~;-:.J>'
personally;
Be In ad4ition to such income, should it appear that such
payments, together Wi:h funds available to my daughter from other
sources is insufficie t, the Trustee, acting in its sole discretion,
shall distribute nece sary amounts of principal for her maintenance and
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education;
c. When y daughter attains age twenty-five (25), the Trustee
shall distribute to h r one-half (1/2) the fund then remaining in trust,
and when she attains
e thirty (30) shall distribute to her the balance.
D. Shaul my daughter die during the continuance of the
Trust, the fund shall be distributed to my mother, if she be then living,
and if not, to my brothers and
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deceased, per stirpesl
lIIe I name, clnstitute
T. WILLHITE, of Melbourne, Fl rida, to
daughter during her minoritY.1
lV. I name, crnstitute
sisters and the issue of any who may be
and appoint BETTY WILLHITE and FREDERICK
be the Guardians of the Person of my
and appoint LEMOYNE TRUST COMPANY, of
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II,L .i(i
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Lemoyne, Pennsylvania, to the Executor of this, my Will.
IN WITNESS HEREOF, I have hereunto set my hand and seal this
~day of , 196;:1..
Q('\.,,~,?,Q. ~"""""'L'J'(',\"'-<"
(SEAL)
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Signed, sealed, PUblis~ed and declared by the above named Testatrix,
CAROLYN G. ZIMMERMAN, as !d for her Last Will and Testament, in the presence
of us, who at her request, in her presence, and in the presence of each other,
have hereunto subscribed ur names as witnesses.
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II allflrst"
Allfirst Trust
213 Market Street
Harrisburg, PA 17101-2127
7172552059 tel
October 10, 2002
Charles E. Shields, III, ESquite
6 Clouser Road
Mechanicsburg, P A 17055 I
Re: Estate of Carolyn ZiJmerman
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Enclosed please find your,' py of the Residential Appraisal Report for the property located at 18
Nittany Drive, Mechanicsb , PA which property is an asset of the above-mentioned Estate. Please
note that Tammy Sheaffer, f Bridge Street Realty, indicated a market value for this property at
$125,000. i
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Dear Mr. Shields:
In addition, as per our conv rsation today, you indicated that a representative from Members First
would be present the day of e public sale to be held on November 16, 2002 and should we have a
successful sale, we would a them to join in on the Agreement of Sale. For information, I will be
meeting with the Trust Real state Committee on the 30th of this month to arrive at a reserve price
amount. Subsequently, I wil inform you of that amount.
Sincerely,
~();JJ
Ronald W. Howard
Vice President
RWH/lt
Enclosure
C: Tom Morkin, Vice ptesident
c..FT-20G7
..;2
www.BridgeSlreelRealty.com
t.l1 42-28-2421.061UAllenT
ProDerlv De~lntlon ,.' U dFORM RESIDENTIAL APPRAISAL REPORT File No. 0900:Z02K .
Pro.ertv Addr... 18 Niltanv Drive CItv Mechenicsbufl' St.t. P A Zi> Cod. 17055
L8lIalOe"""'tlon Book 021 Pa~ 126 County Cumberland
AasossoI'a pare.1 No. 42-28-2421-06'1 TuV.ar 2002 R.E. Taxes $ 1620.11 SoecIaIAss...m.nt.$ nla
Bonower nla . CIlIr.nt Owner E.tate of Zimmerman Carolvn Occuo.nt: IXIOwner I I T.n.nt I I V.cent
Prooertv rIohts .PDl.lsad Ixl F.. Slmpl. ! II L....hpld I Prolect Tvp. I I PUD I I Condominium iHUDNA pnlv) HOAS nla IMo.
N.lahbortlood or Prpl.ct N.me Mt. Allen HeQ,hts t.lan Relar.... AOC C-2 C.n.u. Tr.et 0116
S.I. PrIce $ nIa D.t. of S.1e nla Oe.criptlon .nd $ .mount 01 loan che/lleslconcesslon. to be paid by...... none known
LanderlCli.nt ALLFlRSTTrustDivi.ion Addr... P.O. Box 2%1 Harri.bUfl! PA 17105
IAnoralser TammieK.SheafThr" Addr...IOO2Brid.eSlreet Suite 100 NewCumberland.PA 17070
Locetion >= Urban XSuburl> n W Rural Predomln.nt Single family hou.lng -.i land .... % L.nd u.. ch.nge
BuUI up >= Over 75% X25-75~ 0 Under 25% occup.ncy f~E ~r' On. family 50% 0 Notllk.1y 0 likely
Growth..t. Rapid X'Stabl. 0 Slow lXl Owner 95 Low New z..Il.mlly 10"10 lXllnproce..
Properly valu.. Ina-.a.lng X Stable 0 Dedlning 0 T.n.nt ifPiiiIiijf600 Hloh lOa+!- MulHamlly 5% To: Re.idential
D.mand/supply Shortage XlnballrH: 0 0Var~ lXl VBlBIll(06%) ~pradOminant~;;"mm"'clel Hl%
Mark.lIno Um. Undar 3 mas. X 3-6 mo. n Over 6 mo.. 11 _'_"'I 140 40'"'1industri.h 15%
Not.: Race .nd tho racl.1 ccmpoolUon 01 h. neighborhood at. not approl..1 I.ctors.
Neighborhood boundaries and characteristics: The neiuhborhood is bounded bv the PenlUlVlvania Turnpike Routes 15 & 114 in the center ofUonCf
Allen Townshin southeast of the Boroual ofMechenicsbur..
Factors that affect the marketability of the pro ertles in the nelghborhood (pfOXlmft.y to employment and amanRlis. employment stabDlty, appeal to market, etc.):
The subiect is located in an establi.hed r lsidential neiahborhood consistin!!: nrimarilv of .irurle fumilvone and two-.tory detached home..
Emnlovrnent centers in the City ofHarri.hnr. are a 25 minute commute. Neiahborhood sbonnin.. Darks schools and most service. are within a 10
minute drive. Emnlovrnent stability and .nneal to the market are con.idered aver......
.
Market candIDonsln the subject neighborhood (Including support for the above conclusions related to the trend at property values, demand/supply, and marketing time
- - such as data on competitive properties for 8 Ie In the neighborhood. d8scrlpllon of the prevalence of sales and financing concesstons, etc.):
Consi.tent with other neiahborh~ in II . s area, homes in the subiect neighborhood have exnerienced moderate llI>oreci.tion in recent yearS.
Conventional, FHA. and VA financing ar readilvavailable. with occasional .ale. concession.. htterest rates remain favatable and bave recentlv
declined. Based on the aver""" conditio of the subiect a marketiDl' neriod of less than .ix months i. oroiecled fur the as.umin!!: .
Prolect Inlorm.Uon lor PUD. (II .ppllc.bl ) - - I. th. da..loperibuUder In control 01 lha Homa Own.,,' Assocl.llon (HOA)? U YES U NO
Approximate total number of units In the subject roJect oIa Approximate total number of un~ts for sale In the subject project nla
Oasa-Ib. common alamaRts and lea-..llonat fa ltilles: nla
Dlman.lons see lel!ll! de.crintion Topography slooes uo from .treel
Sla ara. .24 acre. at 80 FF x 132:ner Ie. deseriotion on deed' Corn... Lol U v.. 1xI No SIz. tvnical fur area
Spec;nc zoning clGasificatlon and description r idential Shape rectW'uzular
Zoning complane. lXl L.gal 0 Legal nor oofDrmilg (GrandIalh..a<1 usa) U lIIeg.1 U No zoning Dralnag. aDnears adenuate
Hloh..t&b..tu....!mprov.d: /Xfp,...ntu. rlOtheru..(.xolalnl View aver....e
Utllitl.. Pubic Oth.r Oll-.Ite Improv.menls Typ. Public Prlv.t. Landscapilg typical
Eleclr1cIty lXl SIr..t macadam lXl p Drivaw.y Surtaca asohalt
Ga. lXl Curblgutter concrete lXl i= 'Apparont....m.nts none .pparent
W.ter lXl SId.walk concrete lXl i= FEMA Speclel Flood Hazard Ar.a U Y.. 1xI No
Sanitary saw", lXl Stre.tllghts pole ~ >= FEMA Zone wne C M.p Oat. 8-4-88
Slnrm saw.r rxI Nltsv none I I FEMA Map No. 420372
Comments (apparent adverse easements, ener schments, special assessments, slide area8, Illegal or legal nonconforming zoning, U8e, etc.): No 8DDarent adverse
easements at encroachments were noted 01 di.closed. 'The deed indicates the site i. 80 FF x 132' or .24 acres whereas the as.essment record
indicates the site i. 90 FF x 130' or .27 acr....
GENERAL DESCRIPTION EXTERIO DESCRIPTION
No. of Units one Foundatio concrete block
No. 01 Storl.s ODe exterior W lis brk. & alum.
Typ. (D.I.,..tt.) detached Rool Surfa :e asPhalt .hinlde
Oe.lgn (SIyIe) I .torv Gutt... & lWII.pts. aluminium
Exlstlng/Propo'ad exi.tin. WIndow T. wood D. H.
Ag. (V...) 40+l-vrs.old StormlSa- .n. ves/ve.
Effectlv. An.lYra.\ \0 Manufaclu ad Hausa no
ROOMS Faver UvInn Dinino KlIch.n
Basameol
Lavell
Lav.12
FOUNOA TION
Slab none
aa.tSpa<>l 23%
Basement 778/0
Sump Pump yes
Dampn..s some noted
Settlement none noted
Infestatlon none noted
FamRv Rm. Rae. Rm.
BASEMENT
Area Sq.Ft. I 176
% Flnlshad 0%
Calling woodinist
Wall. conc. block
Floor concrete
0utsId. Entry yes
INSULATION
Roof
C.Wng
Walls
Floor
None
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8
o
o
lXl
........
Oen
Bedrooms
.
'B.th.
t.aundry
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Other
AlBa SoH
1176
1528
1
3
2
FInished ara. .bov. orad. contains: 7 Room.' 3 Badroom.1: 2 Balllls): I 528 Souar. Feat of Gro.. Llvlno Area
INTERIOR MaterlalslCondftlon HEA NG KITCHEN EQUIP. ATTIC AMENITIES CAR STORAGE:
Floors caroetlavel'lll!:C Typ. HWBB Ratlgeralor ~ Non. 0 Flraplace(s)' _ 0 None 0
W.1Is drvwalJlaveraae Fual oil Ranl1eJOven X Staia 0 P.11o 0 Garage 'otears
TrimJFlnlsh olasticlavel'lll!:C Conditllnaver_ Disposal Drop Stair 0 D.ck wood (X] Attach.d
,...,
www.BridgeStreetRea1ty.com
LJ 42-28-2421.0~IUAlI.nT
V luatlon section '" NIFORM RESIDENTIAL APPRAISAL REPORT Fllo No. 0900202K
ESTIMATED SITE VALUE. ........................... $ 33,000 Comm.nt. on Cosl Approach (such as, sourca of cost estlmat.,
ESTIMATED REPRODUCTION COST-NEW OF IMPROVEMENTS: sll. v.lue. square t,oot caJculat\<>n and for HUD, VA and FmHA, Ihe
Dwelling 1,528 Sq. Fl. .. $ 50 00 . $ 76,400 e.tlmatad ramalnlng .conomlc Iff. of tha property):
Bsmt. 1176 Sq. Fl. @$ 1500. 17,640 Cost estimates were obtained Ii:om the Marshall Valuation Service
Deck Porcb . 5,000 and local oontractors. Physibal deoreciation was estimated usinll
Gnga/ClI'port ill.- Sq. Fl. .. $ 20. 0 = 6,720 the economic a<re-Iife method assumin2 an effective...e oflO vears
Tolal Estlmatad Cost Ne"w11 .. .. .. i f' , . . ., .. = $ 105,760 aJld an economic life of 55 years.
La.. 55 Physical Fuoctlonol Ext'l'" Est. Remaining Econ. Ufa: 45
IlepacIeIIon $19037 ,'. $ 19,037
Doplocfalad VoIde of Improvements .. , .... ........... . $ 86 723
'Aa-~'ValueofSltelmprovementa.,..... .....,..... . $ 6500
,INDICATED VALUE BY COST APPROAC ........... . 5 126200
ITEM I SUBJECT COMPARABLE NO.1 COMPARABLE NO.2 COMPARABLE NO.3
18 Niltany Drive 4 Andes Drive 128 Holly Drive 14 Andes Drive
Adme.. U~ AlI~~S~, u"ooer,,' Allen TOWnsbiO, , Uooer Allen Townshin
ProxlmJty to Sublect 2 blocks 2 blocks 2 blocks
SalesPrtce nla 124900 ~~$135ooo
PrlcoIGn>ssUv._ 0.00 1111594.62 III " .:~ $93.49 III
Dala and/or 'inspection MLS and Public Re<:ords MLS and Public Re<:ords MLS and Public Records
Vartllcation Sourc.s owner Exterior insocction Exterior insoection 'Exterior insoection
VALUEAIJ.1lJSThelTS DESCRIPTION DESCRIPTION I H-1S_ DESCRIPTION I '/-11_ DESCRIPTION I ".\1............
Sales or Financing FHA: -1,000 conventional: other : -1,000
Concessions closed s.le: closed sale' closed sale '
Data of SalelTlme 5/02: 4/02 : 4/02 :
Locellon suburban imilar ' similar ' similar '
LeassI1otIl'ae SInIlIe fee simole ee simole: fee simnle: fee simole :
SKe .24 acres or 80 FF x 25 acres : .27 acres : .25 acres :
View aV~ imilar ' similar ' similar .
Oeslon and Aspaal 1 storv/aver.... . 1 storv/aver_: 1 storv/avel'lll!e: I storv/averaue :
otCMllnldiln brk & alum/avo rick/averalre: brk & alum/avll : brick/avera",,:
40 veers old imilar similar' similar '
aver82.C :veraa.e : avCl'8Re : \ good :
.
Condlllon
Above Grade
Room Count
G.... Living Area
Basamenl & FIn1shad
Rooms BekJw Grade
Functional Utllllv
H'allnolCooHno
EftIdentltams
GaraoeiCaroort
Porch, Pallo, Deck,
FnDlaceisl, etc.
Fonce Pool etc.
ToIII' BchnI' B8h
6: 3: 2.00
1 528 SQ.FI.
full basement
unfinished
averwre
HWBBloone
tvoical
caroort
porch, deck
no fireolace
00 0001
1;
ow' a.tm.' 8lIIfII :
,: 3: 2.00'
1 320 Sa.Ft. :
n basement :
,
Tgtaj'&tmI' BaIhI :
7: 3: 1.50.
1189 So.Fl. :
full basement :
-1000 2 rooms I
aVel'3Re :
Heat PumolCA :'
lYDical '
lcar__ :
covered patio I
-I 500 I fireolace '
-I 000 fence. 0001 :
room
verBile
IWBB/oone
voical
amort
eok ,
firenlace '
ence/above ....0001 :
lolli' BctfJII' __ :
7: 3: LSD'
1 444 SoR :
full basement :
,
-2000 I room "
avera2e :
,2000 HWBB/CA :
tvoical '
-1 000 caroort :
patio, sunporch :
-1 500 I firenlace '
-j 000 fence, 0001 :
-2000
+1,000
+1300
-1000
-2000
-1,000 '
-1500
-3000
NetAdI.ltotan + X - '$ 1400JMIX - '$ 3400 _X. '5
Adjusl9d Sales Pr'ce
01 Comparable S 123 500 $ 126.500 , i 5
Comments on Sales Comparison (Including Ihs subJoct property's compaUbUlly to the neighborhood, elc. ): Dlle to ade<iUate aaIes within the subiect'a
neillhborhood it was not ncccsaarv to s.. rcb bevOnd one mile fur comoarable sales or oast six months. All sales were selected based on their
similar desilID. "'e. ouality. and oroximi~ to the aubiect oroperty. Gross livinu area adiustmenlS were made at the rate of $15 oer .ouare foot fur
differences over 100 SF. All sales were oosidered reliable and were mven similar weieht in the value cooclusioo.
, .
+1,000
+5 100
9200
125 800
ITEM SUBJECT
Dala. Prlce and Data No sale during
SoIJceilrprlorsaJes past twelve .
wItlkI-oI........... months.
Analysis of any currantagraemont of sale, option, r listing of the subjact properly and analys~ of any prior sales oIsubJectand compll'Sblse wlhln on. yea-of tho dala of appraisal:
Tbe sub\cct is not currentlvlisted fur sale nor bas it sold durinuthe oast vear.
+3100
INDICATED VALUE BY SALES COMPARlS PN APPROACH .....................................................$ 125000
INDlCATEDVALUEBYINCOMEAPPROACH WAsDIcebleI EsllmaladMarkatRant$ nla 1Mo..GrossRent_ nla .5 na
Th~ appla~alls made 00 'as Is' 0 sulject to Ih8 rapals, aIeraIIons.lnspoctIons Dr condIIons isted below 0 subJ<!cl to completion per plans and specilcetlons.
CondllonsolAppraIsal: The insoection date ~ as 9/27/02 with the efliocllve dateoflhis rennrt as of 6/3(\/02 the date of death of the owner.
COMPARABLE NO.1
o sale during past twelve
onths.
COMPARABLE NO.2
No sale during past twelve
months.
COMPARABLE NO.3
No sale during past twelve
months.
SUBJECT PROPERTY PHOTO ADDENDUM
Borrower: Dla , File No.: 0900202K
ProoBrtv Address: 18 Nittanv Drive CaSe Nb.: 42-28-2421-ll6IUAllenT
~ity: Mechanicsbllll! State: PA ZiD: 17055
Lender: ALLFIRST Trust ,
FRONT VIEW OF
SUBJECT PROPERTY
REAR VIEW OF
SUBJECT PROPERTY
STREET SCENE
DIMENSION I-IST ADDENDUM
Borrower:n/a FileNo.: 0900202K
ProDertv Address: 18 Nittanv Drive Case No.: 42-28-2421-ll6IUAllenT
Cilv: Mechanicobur. Stale: PA ZiD: 17055
enrler' ALLFlRST Trust
GROSS BUILDING AREA (GBA) 2,704
GROSS LIVING AREA (GLA) 1,528
',' Arall(s) Are. % of GBA
Living 1,528 56.51
Lovell 1,528 56.51
level 2 -
Level 3 -
Other -
Basement 1,176 43.49
Garage -
,
Areal easurements Area Type
Measurements Factllr Total Lev&l1 Level 2 Level 3 Other, Bsmt. Garage
42.00 x~ x -1 = 1.176.00 00 8 8 0', ~ 0
22.00 x, 6. x-1= 352.00 00 0 po ~
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Pro e Address: 18 Nittan Drive
Ci : Mechanicsb
Lender: ALLFIRST Trust
COMPARABLE PROPERTY PHOTO ADDENDUM
File No,,: 0900202K
Cese No.: 42.28-2421-06LUAllenT
, Zi : 1705$
Slale: PA
COMPARABLE SALE #1
4 Andes Drive
Upper Allen Township
COMPARABLE SALE #2
128 Holly Drive
Upper Allen Township
COMPARABLE SALE #3
14 Andes Drive
Upper Allen Township
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111.4"1) 'l'BJ/ ,5" T lot d4v .f A f ~ \L
pf 'IU' Lord on. tlI0N'/& "f". Alt714,f4 ~ixty- Fi ve (1965 l
ih th., lIt10r
B1I1'1'1VJ1!lN
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of: th
Stste
. llERTOtl!;TTE end EDNA 11. BERTOL&".!'TE, hi. wi,!'.,.
'l!0'ln8hip of l<'ail'vie.., Oounty 01' York Bnd
af FennsyTvania. parties o:fb~le_ fir-st part."
anll
! Graf\t-01"s,
IlJl.HOL~ G. ZIHMEHMJUI, Wido,"" of the Eorough of' '
temoY1e,t Oounty or Cumberland ~nd state of PenoayJ,
vania'l party 01' tho seeond pert, . . . . . . . . "
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WiTNIISSIDTH, t1l4t '" ....Id..ll!i... of SE"ENl'EEI~ T1l0USAND F'IVE IWNDREI:l 'and
lIo/loa . . . ., .............. ($17, sOO. 00) : Doll"",
lit. A4nd JlIIlId,. tAe t"ee,lpt h.dTfJDf is h,87"eb'J( tl.dtft(lw1Adudd... lha "aid Om""r.".,'!] do h6'Tt~bV DMut
.714 COll~1JI t. tho 'midtg "t.. . her heirs end aseigns,
ALL that aortaln ot or traet of lend e~buete 10 the To~nehip of'
UJiflit All.... ,Coun 1 _or Dumberl"nl and stote of Fenneyl"..ni/!, ,"ore
paftieUlar!y ~oun ad and deeer1bed /13 follows, to wit:
BIlGINN.INlT !l t
the weatern 1in.
Pl,an..ot' Lol:s; the
Bou~ 6~ degrees
line or Lot No. 9
point; tbel1ee elo
North 64 degrees
line of Lot No. 9
the pleae of BEG!
point on the northern line of lUttQny Driv'e at
t' Lot No. 97 e. shown on tho hereinafter mentioned
eealongthe northex'n line of Baid Uitt81'".l.Y Drius
eet 130 f:eet to /l point; thence "long the easter'n
on said Plan North 26 de~rees Weat 132 ree~ t~ ~
g lends now or formerly Of ~t. Allen Corporation
s~t 60 feet to s point; thence "long the western
on said Plan South 26 degreee Ens t 1)2 1'ee,t to
.1m.
BEING Lot 110.
F1Rn bel~g re~orde
County 1n Plsh Boo
6, Plsn of Section "F", Mi:, Allen Height:!, D"ill
in the Recorder oT Deed. Office In Cumoerlond
14. Page )0,
liAv:um thereon ereoted e brick ranch c]"elling known end numbered
Illl 18 MttilnT'Dl'iv .
BEIlW the ...me
d~t.d January 16.
Reaorder's orfice
unto th. G~sntore
pl;'e,.,iaes whleh I1t. _41).en Corporn1l10n by it. deed
96~ and recorded in the Cumberland County
n Deed Book.;>I.(' . Fege 17 J. gro.nted snd ecn"":red
ere in..
Under and subj ct to the Building snd Use ReotrictlohS and
.-:\.ghts of Pl.Iblic 'U iUt1eB crea1led by instrumen~s of l?rlor record.
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42-28-2421-06 LUAllen'
Foe No. 0900202K
DEFINITION OF MARKET ALUE: The most probable price which a property sllould bring In a compelitlve and open market
under all conditions requisite to fair sale, the buyer and seller, each acting prudently, knowledgeably end assuming the price Is not
affecled by undue stimulus. Imp icit in this definilion is the consummellon of a sale as of a specified dete and the passing of title from
seller to buyer under conditions hereby: (1) buyer and seller are typicallY motivated; (2) both parties are well informad or well edvised,
and eacll acting In whal he cons ers his own besl inlerest; (3) a reasonable time is allowed for e~posure In the open market; (4) payment
is made In terms of cash in U.S, ollars or in terms of financial arrangements comparable Ihereto; and (5) the price represents the normal
consideration for Ihe properly~. d uneffeoled by speclel or creative flnencing or seles concessions' gr~nted by anyone associated with the
sale.
. Adjustments to the comparable must be made for special or creative financing or sales concessions. No adjuslments are necessary for
those costs which are normally p Id by sellers as a result of tradnion or law in a market area; these costs are readily identifiable since the
seller pays these costs In virtually II sales transactions. Special or aealive financing adjustments cen be made to Ihe comparable property
by comparisons to financing lerms offered by a third party instilutional lender that is not already involved In the property or Iransactlon. Any
adjustmenl should nol be catcula ed on a mechanical dollar for dollar cosl of Ihe financing or concession but Ihe dollar amount of any
adjustment should approximate the kefs reaction to the finencing or concessions basad on Ihe Appraiser's judgment.
T OF LIMITING CONDITIONS AND APPRAISER'S CER:rIFICATION
CONTINGENT AND LIMITIN CONDITIONS:, The appraiser's certification thai appears in Ihe appraisal reporl is subject to the
following condil/ons:
1. The appraiser will nol be resp nsible for mailers of a legal nalure Ihal affect either the property being appraised or Ihe tille 10 II. The
appraiser assumes lhatthe Iille Is g ad and marketable and, therefore, will not render eny Opinions aboul the IlIle. The property is appreisad
on the basis of II being under re8pOrm oWll8(sbip. I
2. The appreiser has provided a ketch In the appraisal report 10 show approximate dimensions of the improvements and the sketch is
inc/udad only to assist the reader of th report in visualizing the property and understanding the appraiser's determination of Its size.
3. The appraiser hes examined th avellable flood maps that are provided by the Federal Emergency Management Agency (or other data
sourcas) and has noted in the app aisal report whether the subject sitals located in an identified Special Flood Hazard Area, Becausa the
appraiser is not a survayor, he or she akes no guarantaes, express or imp/ied, regarding this deterllllnalion.
4. The appraiser will not give test' any or appear In court beceuse he or she made an epprelsal of the property in question, unlass speciflc
arrangements to do so have been ma beforehand. I
5, The appraiser has estimaled I e value of Ihe land in the cost approach at its highest and best use and the Improvements et their
contrlbulory value. These separat valuations of the land end improvements must not be used in conjunction with any other appraisal end
ere invalid W they ere so usad.
6. Tha appraiser has noted in the a raisal report any adverse conditions (such as, needed repelrs, depreciallon, the presence of hazardous
wastes, to~ic substances, etc. ) ob rved during tha inspection of the subject property or that he or she became aware of during the normal
research Involved in performing the aisal. Unlass olherwise stated In the appraisal report, the appraiser has no knowledge of any hidden
or unapparent conditions of the roperty or adversa environmental conditions (including Iha pr~sence of hazardous wastes, toxic
sUbslances, elc. ) that would make the proparty more or less valuable, and has assumed thetthere are no such conditions and makes no
guaranlees or warranties, e~press r implied, regarding the condition of the property. Th~ appraiser will not be responsible for any such
conditions that do e~lst or for eny ngineering or lestlng that might be reqUired to discov~r whether: such conditions exist. Because the
appraiser is not an expart in 'he fi~ld f environmental hazards, tha appraisal report must not be consider,ed as an environmental assessment
of the property.
~
7. The appraiser obtained the infor allan, estimates, and opinions thai were e~pressed In Ihe appraisal reporl from sources that he or she
considers 10 be reliable and believ s Ihem 10 be Irue and correct. The eppraiser does not assume responsibility for the accuracy of such
items that were furnished by other
6, The appraiser will not di~close t e contents of the appreisel report except as provided for In the. Uniform Slandards of Professional
Appreisel Preclice,
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9, The appraiser has based hls~r er appraIsal report end veluation conclusion for an appraisal that is subject to satisfactory completion,
repai"s, or alterations on the assum' thet completion of the improvements will be performed in a workmanlike manner. ,
~~~.~~~,e!!::~:~~"~~~~!:~~i~=,,~~~ ~~ ~~ft~:i~~ftW:~~:~.~~n:~~b~~~r~:~~_~~~~~~~~i~~!HSpe~lfied.ln t~e appraisal report cen distribute the
APPRAISERS CERTIFICA ION: The Appraiser certllles and agrees that:
42-28-2421-06IUAllen'
File No. 0900202K .
1. I heve researched the subjec market erea end lIave selectad a minimum of three recent sales of properties most similar and proximate
10 the subject property for consld ation In the sales comparison analysis and have made a dollar adjustment when approprlete to reflect the
market reaction to those /lems 0 significant variation. If e significant item in a comparable property is superior 10 , or more favorable then,
the subject property, I have mad e negative adjustment to reduce the adjusted sales price of the comparable and, if a significant item in a
comparabla properlY is infe.rior t ,or less favorabla than the subject property, I have made a positive adjuslmentto Increase the adjusted
sales price of the comparable. ,
2. I have taken Into conslderatlo
appraisal report. I have not kno
knowledge, that aU statamants and in
the factors that have an Impact on value In my development of the estimate of market value in tha
ingly withheld any significant information from the appraisal report and I believe, to the best of my
alion in the appraisal report are true and correct.
3. I stated in the appralsal.repor only my own personal, unbiased, and professionel analysis, opinions, and conclusions, which are subject
only to the contingent and limiting ~ions specified in tills form.
4. I have no presenl or prospecti e inleresl In the property that Is Ihe subject to this report, and I haVe no present or prospective personal
interest or bias with respect to th participants in the lransaclion. I did not base, either partially or completely, my analysis and/or the
estimate of market value In tha a praisal report on the race, color, religion, se~, handicap, familial status, or national origin of either the
prospectiVe owners or occupants f the subject property or of the present owners or occupants 01 the properties in Ihe vicinity of the
~~ecl~~rty. '
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5. I have no present or contem~leted future Interest in the subject property, and neither my current or future employmenl nor my
com~nsation for performing this apprjUsal is contingent on the appraised value of the property. I
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6. I was not raqulrad to report predetermined value or direction in velue Ihal favors.the cause of the client or any related party,
Ihe amount of the value estimate, the attainment of a specific result, or the occurrence of a subsequent avent in order to receive my
compensation and/or employml\nt for performing Ihe appraisal. I did not base Ihe appraisal report on a requested minimum valuation, a
speclfic valuation, or the need 10 appr e a speclfic matOage loan. ,
7. I performed this appraisal in onformity with tha Uniform Standards of Professional Appraisal Practicathat were adopted and
promulgated by the Appraisal Sian ards Board of The Appraisal Foundation and that were In place as of the effactlve date of this appraisel,
with the exception of the departur provision of those Standards, which does not apply. I acknowledge that an estimate of a reasonable
lime for exposure in the open mar etls a condition in the definition of market value and the estimate I developed is consistent with the
marketing time noted in the neighbor section of this report, unless I have otherwise slated In the reconciliation section.
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8. I hava personally Inspected the nterior and exterior areas 01 the subject property and the exterior of all properties listed as comparables
In the appraisal report. I further c rtify that I have noted any apparent or known adverse conditions in the subJect Improvements, on the
subject site, or on any slle within t e immediate vicinity of the subject property of which I am aware end have made adjustments for these
adverse conditions in my analysis f the property velue to the extent thai I had market evidence to support them. I hava also commented
aboullhe effect of the adverse condiU s on the marketability of the subject property.
g. I personally prepared all conc usions and opinions about the real estale that were sel 10rth in Ihe appraisal report. III reliad on
significant professional asslstanca from any individual or Individuals in tha performance of the appraisal or the preparation of tha appraisal
report, I have named such individu Ks) and disclosed Ihe specific lasks pertormed by them in the raconciliatlon section of this eppraisal
report. I certify that any individual s namad Is qualified to parform the tasks. I have not authorized anyone to make a change to any Item In
the report; therefore, if an unauthoriud change is made to the appraisal report, I will lake no responsibility lor ~.
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SUPERVISORY APPRAISER~ CERTIFICATION: "a supervisory appraiser signed the appraisal report, he or sha certifies
and agrees that: I directly supervls the appraiser who prepared the appraisal report, have reviewed Ihe appraisal report, egree with the
statements end conclusions of tha a raiser, agree to be bound by the appraiser's certifications numbered 4 through 7 above, and em taking
full responsibility for the appraisal and appraisal report. !
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ADDRESS OF PROPERTY A~PRAISED: 18 Nillenv Drive. Mechenicsbur~ PA 17055
!
cl~"'''.'I.''''
...J! /1 a II __
,:::r I <:; A a .JI)
SUPERVISORY APPRAISER (only If required)
c,___..._. - ///J~~~d A', .- A P (7
~/
APPRAISER:
APPRAISER QUALIFICtTIONS TAMMIE K. SIIEAFFER
Eduutiou ! Johns Hopkins University, BaUimore, Maryland
I MS, Rea) Estate, Investment Portfolio Emphasis. 1999
, PcnnsylyaDia Saa.. Univ<<.ity, Pennsylvonia
BS, Public Policy, 1987
UteuellCeru . Real Esta~ Brok~a Lk:ense ~ Pennsylvania and Maryland
. 0......1 Appraiser'. Certification, 1991
TestimoDv District ofCoiumbia, Harrisburg. and York Bankruptcy Courts; I
Cumberlsnd, D.uphin snd York CouOly Board of Assessment AppealS; and HlUTi.borg City Z<>oing
Hearing_ '
PublieaCiou Trend Watch 1999, Swdy oflbe WasbiDSfOn D.C. and Baltimore commerc~1 real estate nuut:ets with a
fucus 00 office; industrial, retail and hotel land USCB. I
2000 - Present Bridae Street Realty, u.c, New CumberlaDd, Pen_ytv.llia
M&BUilHl Member
Founded a fUll-service real estate brokerage. consulting. and appraisal firm serving tbc eight counties in
Soutb Central PenQsylvania. p(~ marketing strategies for complex inco.lrie producing portfuJios of
investment real estate of various property types. Assist feal property OWD~ with leaselbuy. sell. aod
bold decisions. _ ..mmerciall..... fi>r both I..... and lessor. I'repaI<o real ...... appraisals fur
condemnation, estate. divorce, JjtigatioD, Jiquidation, mortgage financing. and tax assessment redUctiOD
purpo.... Reposition wasting ....... negotiate zoning text ....ndm..... i and maximize _... by
'(educing opemting ~ Imd increasing income fur property owners. I
1998 .01000 ALLFlRST MORTGAGE CORPORA nON Balli",or.. Md. Hurlsburg & York, PA
AubtaDt VIce Pratdeqt: SeDlor Aouralser. Credit Division ; t
AGted as an intetnAl commercial real estate cOD8Ultant for developing stra~gies for max.imizing both
cx.istiog and Dew relationships. Created. and presented COID1Da"Cw real estate underwriting and
credit analysis workshops for all commercial relationship officers. Prc~ed discounted cash flow
snaly... utilizing bath Excel sn4 AlIDUS for exisling and proposed properties. Assisted
RCilladonship Managers with credit analysis and underwriting of ~mplex commercial real estate
loans. Contaded several appraisers for price and turnaround time. Prepared commeroial and
residential appraisals for internal bank use. York Bank Adopt-A~House project manager.
1990 10 1998
T.c York Sa_II, . .ubaldlary or First Marytud Ba.corp D.rrlsburg aDd York, PA
DeoutmeRt Ma..anr &lid R~view Annrabal Omcer
Acted as Chief Appraiser and coordinated valuation ofthe entire commercial real GState portfolio for
the credit division and. assisted with the risk ratings fur loaD review. : Developed an approved
appraiser list. Prepared engagement letters Plet negotiating contract for services and reviewed
completed .ppraisals for FlRREA and USP AP complian~ for entire commercial real estate
portrolio. Assisted Relationship Managers with credit analysis and ,.ndorwriting of complex
comm<<eial real estate loans. Contacted several appraisers for priCE! and tumarourd time. Prepared
aod approved contractual engagement letter. Prepared commercial and. residential appraisals for
intornal bank use. Served as the York Bank Adopt..A-House project manager.
AOiII.tcd Appralsen & Consultants, New Cumberland PCDDlylvaoia
Owacr/ADoralser
Prepored appraisals lOr this full-service real ...... brokerase. .....dtlog, snd appraisal firm.
1 Cltieorp MIl........ T........ P....y\oBla .
I S_ ADDmiser l'Iepared lJRAR appraisals and field reviews fi>r mortpge, fioaociog 10 be packaged
! and sold in tbe secondary moIIgage market. '
i Rotbma., Schubert & Reed, Realtors@,Lemo)'lle,Peo.sylvanla
! Associate Broker
I Repesented bayas snd sellen of real f4"0PCrtY. Prepored legally binding agr.;em_ of sale, I...... .od
I . ,
I markeling cooIracts. Prepared llpJllIlisaIs fur this full-service real......Imk...... consulting, and
~lfirm. .
I. Natiooal Association ofRealtoJJ, CCIM Candidate, Cbicagn,lUinois
i Real Estale Principle. - Docember 1989
I Standllrds ofProfe.ssioual Practice, Part A and D, February 1990
I
'I Capitalization Theory and Techniques, Part A and B, October 1990
RealdeotiaI Valuation, Marob 1991
Lidsation Valuation, S~er 1992
Basic Valundon Procedures, February 1993
, Discounted CllBb Flow Analysis, Marcb 1993
I Rates, Ratios, and Reasooableness, 1994
Standards ofProfi:ssiooal Pmctice, Part B. December 1994
1 CommerciaIIResidl Appraisal -. 1994
I S_ ofProlilssional1'raollce, Part A, FebnIlUy 1995
1990 - Prued'
1989-1990
1989-1991
.tRIll_do.
ADDr_tu_IIIIU'ate Courses
,
jXIII:RIENCi: i
JUly 2002-curren~
April 2000-June F002
1980-1982
t=:fotl
KAREN L. SCHOLL
QIJALII=ICA nONS
Bridge street Realty, LLC
Assistant to the State Certified Apprals!,!r
Assist In the preparation of resldentl~1 and commercial
appraisal consultation and analysis for form and
narrative appraisal reports for mo'rtgage financing,
estates, tax appeals, and litigation purroses.
,
First National Bank of Marysville ,
Bank Teller i
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Trained bank tellers for 30 day period, handled
customer transactions, balalilced th:e ATM machine and
restocked dally, sold varlous'f1nanclallnvestments.
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SpeCialty Bakers I
. Productlol1 Coordinator I
I'l. I Estate lnstlt te Cam HIli PA
USPAi> - i5 Hou June 2002
I'l.esldentlal Sales ompilrlson Approach 30 Hours June 2002
Mechanlcsburg . rea High School Graduated 1975
SIngle Family 0
Ctlhdomlnlums
fWo - Four Fam Iy Units
Multifamily Com erclal Conversion Units
Filttns
Gatages I
Residential vac~nt Land and Building Lots
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CHARLES E. SHIELDS, III
ATTORNEY-AT-LAW
6 CLOUSER ROAD
Corner ofTrindle and C/o"".r Roads
MECHANICSBURG, PA 17055
GEORGEM_ HOUCK If &101 200:L- TELEPHONE (717) 766-0209
(1912-1991) FAX (717) 795-7473
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II allfirst
Allfust Trust
213 Market Street
Harrisburg, PA 17101-2127
717 255 2059
November 26, 20021
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To: The Honorable Irudge of the Cumberland County Orphans Court
I and
Charles E. Shields, III, Esquire, Counsel for the Estate
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Re: Estate of carolt Zimmerman
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Please be advised thtbeCaUse of the insolvency of the above Estate, Allfirst Trust
Company ofPennsyl ania, N.A., as Executor, decided in the best interest of the Estate, to
have a public auctio for the real estate asset located at 18 Nittany Drive, Mechanicsburg,
PA. i
Allfirst contacted T y Sheaffer, of Bridge Street Realty, to perform a real estate
appraisal for the pro erty. Past performances with Ms. Sheaffer proved to be successful
in her valuations, the efore, we accepted her opinion of market value for the property and
felt that another outs' e appraisal was not necessary. For information, her market value
for the property was 125,000.
In addition, Allfirst d cided that in selling this property at public sale, a reserve price was
pre-determined at $1 8,000. This amount was based on if the property would have been
listed with a local re tor, at a 7% brokers commission applied, and sold for the appraised
value, the net value ould have been less than the reserve amount established, Also, a
public sale eliminate any buyer contingencies which would reflect on a net sale amount
should it have been Ii ted with a local realtor.
,
,
Sincerely, I
~0~
Ronald W. Howard I
Vice President I
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RWH/rh
'~"
b":b.f- €
(2e..; CCW5~^ (]. Z,'/'V\I'Y\~I'\,~\-.ik COp. Y'
~grttmtnt
MADE this
,200:1.,.
. party of the first part, hereinafter referred to as Auctioneer,
AND usT party of the second part, hereinafter referred to as Owner.
WHEREAS, party of the first part 5 a duly licensed Auctioneer in and for the Commonwealth of Pennsylvania; and
WHEREAS, Owner is vested with the legal title and/or custody to the following goods, wares, merchandise and real estate, a statement and/or
schedule of which is attached hereto and ade a part hereof; and
WHEREAS, Owner has engaged t e services of the Auctioneer to represent him in~s~n~e aforementioned goods. wares. merchandise and
real estate at public sale and auction to be held on the m.m.........m/~".. day of ............./Y..!?.....,......................... 2oUlt............1.,~DAt.. o'clock.
NOW. THEREFORE. WITNESS H. that for and in consideration of the mutual covenants herein contained. it is agreed by and between the
parties as follows:
I. It is agreed by the Owner of said prop rty and the property shall be offered by the Auctioneer to the best and highest bidder to the public sale and
may be sold to any such bidder unless he Owner has placed a reserve bid on any articles or property offered for sale.
1. Owner of said property agrees to be re ponsible for any statements or sales recommendations that they may make with respect to said property
and in no event shall the Auctioneer b liable for any such statements or recommendations made on the part of the Owner.
3. Owner agrees not to interfere with the anduct of the sale in any way nor will he attempt to stop the sale or discontinue the same during its
progress without the consent of the Au tioneer.
4. Owner agrees to pay all expenses in co nection with the holding of said sale including advertising of the same. the employment of clem and
Auctioneer commissions or fees as ma be submitted by the Auctioneer who shall be in charge of the sale.
5. Auctioneer shall receive as his com ssion or fee ......................1.12... % of the gross amount of the sale which fee shall be due and payable
at the conclusion of the sale and shal be paid from the proceeds thereof.
, IN WTINESS WHEREOF, the pa es hereto have set their hands and seals on the day and year first above mentioned.
Witnessed by:
G~B~
!\.~t:3k~/:
I Owner
(SEAL)
114Ft: t.c,oru
(SEAL)
(SEAL)
Owner
Fee if not sold
I 1.-7-.. or I)
jt:JO(OD
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SCHEDULE OF PROPERTY TO BE SOLD
/( 6fJ 'P!<.bPC:Jl..TY" ..5<A..bJ'ec.l-- +-0 reserVe.
'R.e~o(\5:b;j/~ of'SI-owt#,j.5 bj Q.loo.C.\ ,'oV\e",r,
Real Estate Fee
Auctioneer will be paid Real Estate Com ssion fee. if pro-
perty is sold to person/or persons that were last bidder day of
sale. meaning a negotiated sale.
{O.6b
Each
Fee Per Hour/Per Persons
AUTU FE-15 ( -!J<:fD
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The Owner hereby agrees that the sat was conducted in a satisfactory manner and that he has received a complete accounting from the clerks
who conducted the same and hereby dischlge all parties connected to the same.
~,6J- r
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CONDITIONS OF SALE
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THE CONDITIO~S OF SALE of the real estate of CAROLYN G. ZIMMERMAN an
unremarried widow, dece sed, late of the Township of Upper Allen, Cumberland County, '
Pennsylvania, made on th premises by public auction this 16th day of November A.D. 2002, are as
follows, to wit: ,
i 1.
,
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The highest hidde1 shall be declared by the Auctioneer to be the purchaser, except that the
seller reserves the right to reject all bids.
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2.
The purchaser Sh~l pay ten thousand ($10,000.00) dollars of the purchase price in cash at
the time the property iSjst icken off to him. The balance of the purchase price shall be paid on or
before the 31st day of De ember, 2002 when Deed and possession will be delivered upon full
. payment of the same. TI E IS OF THE ESSENCE.
3.
Title to the real e tate will be conveyed by Deed with Executor's Warranty of title, and the
title conveyed shall be go d and marketable, free and clear of all encumbrances, and subject to
easements and rights of ay of record or visible by onsite inspection. Taxes for the year 2002 shall
be pro-rated, using the fis al years ofthe various authorities as the basis, and the Pennsylvania Real
Estate Transfer Tax of 0 e (1 %) per cent shall be paid by the purchaser. The Seller will pay the
Local Real Estate Trans r Tax of one (I %) per ceut.
4.
The property shall be sold in an "as is" condition.
4a.
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Seller is not awale of the existence of any lead based paint on the premises. As required, a
lead based paint infoIDla ional pamphlet is being provided herewith, the receipt whereof is hereby
acknowledged. EXlstenc of lead based pamt IS not a contmgency of these terms and conditions.
There has been no radon testing done and no representations are being made with respect thereto.
,
. 5
q..(j If the purchaser,! or purchasers, fail to comply with the above terms, the amount paid on the
\-0ctay of sale shall be reta' ed by the Seller as liquidated damages, and the Seller may proceed to make a
~ resale of the property, e' er at public or private sale.
t,. 7l1-t--i,.//>/ <j/Jo( Cfl/)d/l1()~5 0/ 5'0-{"(.. "l-lN.l!wct,,::il(/FliC.
>.(/ ./Jr/4 I;.e/o art !://!Jjul--to N/.,( ev...ft"p./l!-<.(')fJ/! A-1~QtOpr"v~1 hy
~ /' / '-" f I, t1 c:.h-~ /,;. J ALLFIRST TRUST CO., OF PA, N.A., SUCCESSOR TO
1/.... ~....A r EUL./'l" ~{)'t../f T Dllil'C\Vl\TC 'TDTTQ'T' r'C\lUlfiA."lt.TU"
,
purchase money for the r~l estate described below, sold at Public Sale this 16th day of November,
2002 by ALLFIRST TRU T CO., OF PA, N.A., SUCCESSOR TO LEMOYNE TRUST COMPANY
of the Estate ofCAR04 G. ZIMMERMAN.
ALLFIRST TRUST CO., OF PA, N.A., SUCCESSOR TO
LEMOYNE TRUST COMPANY
Executor ofthe Estate of CAROLYN G. ZIMMERMAN
~'
Ji
VI E PRESI!E
OF ALLFIRST TRUST CO, OF PA
By
.
DESCRIPTION OF REAL ESTATE
,
ALL T~T CERTAIN lot or tract ofland situate in the Township of Upper
Allen, C.o nty of Cumberland and State of Pennsylvania, more particularly
bounde4 ,nd described as follows, to wit:
BEGINN NG at a point on the northern line of Nittany Drive at the western
line of L t No. 97 as shown on the hereinafter mentioned Plan of Lots;
thenee al ng the northern line of said Nittany Drive South 64 degrees West
80 feet t a point; thence along the eastern line of Lot No. 95 on said Plan
North 26 degrees West 132 feet to a point; thence along lands now or
formerly f Mt. Allen Corporation North 64 degrees east 80 feet to a point;
thence al ng the Western line of Lot No. 97 on said Plan South 26 degrees
East 132 feet to the place of the BEGINNING.
BEING ot No. 96, Plan of Section "F," Mt. Allen Heights, said Plan being
reeorded . n the Recorder of Deeds Office in Cumberland County in Plan Book
14, Page 30.
HA VIN thereon erected a brick ranch dwelling known and numbered as 18
Nittany rive.
,
,
BEING ~e same premises which Jack E. Bertolette and Edna M. Bertolette
by their eed dated April 15, 1965 and recorded in the Cumberalnd County
Recorde 's Office in Deed Book 21-0, Page 126, granted and conveyed unto
Carolyn . Zinunerman, now deceased. .
,
,I .
Under and subjeEt to the Building and Use Restrictions and rights of Public Utilities created by
. () instruments of prior rec(d.
~)\Y' I acknowledge tjat I have become the purchaser of the real estate described above, sold at /.
(\. ( Public Auction, as afor said, at the price of O",I,...(/n(7l-lw1 jt,'V$e+f,/ &iVltfI - X Dollars, L-d (tn., POI,I,
\'\1" and further agree to abi e by the terms and conditions of said Sale as publicly announced. '
WITNEiss my hand and seal this 16th day of November .2002.
I
0-
(SEAL)
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Inl'll.fJl'H; Af-':) [JC,f: l'IOS'fIt ICn()N~. 'u,o}'nm Ut' 1ft. ALLI~;1 CORFOIIA'l'.!ON Of'
U;fWHn, Pf':~.'>Yl.l', 'II A , A'i OK"'I:\,5, APPLYlNG TO TilE LOTS IN ClilllmRw
L\~/fl COPJTY. I't;'l~, YI,VA'JH, SlIflliII OU 'rllf~ PLAN Of SECTION F, "lIT.
H.~.rH,,\!~:;(;IIT~:~" I%,)[J n,\\J II,;OJ(; ltLCORlli;n IN 1'lm C1HIBr;ltl,ANl) COlJwrr
P",!)),. ,.., " 0\) TO,.
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n",'[' FUl.l.Y I'HOl'l,':C~'TI;P /(E,<;J,'lE1rrIAL ,11;\0;,1,
The :ctfllit)'!nt1a] a.,"'fI. COVCT'ii!1l1t8,it) J'ilf"t,C in
"I'{.'[Y t,; "HT. ALU: I lllnr;Il'i'~; - SECTIOH F."
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1\':'1 C. HS111]:';1l~I, AIU:,\ COVCHHI1'S
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C-1. lA'm II',,: .HmjIlIlJl.l"'IG 'fYl']:. HI) .l"t shall bt> 1I.0tj eXcopt C<>r
r~f.idQnt\i\l Jlurpus~., Ho hIA!ld(I'.(~ ~1\al1 Di:!- c,"ccted, alt~rod,
pl.otCI:.Jf IH" pet'nit t.-ll to r'I~l1ll1in Oil ~nY lnt otlhH' tha.n one rletach~d
Ultg16-famlly dl"\ int: not to exc~~(\ tl10 al1d o"e..h.lt s~ori_, ill
huight an({ a priva e attRc:hod Garave fOI" not more than 1wo cars.
C-,l. AIl.CIIBI:CTlIlt,\f] CO'JrlWL. Nr; bui leline .hall tJa e"f.ctad, plaoed,
or _11.red on any .lot until the ooullruotio" plnns and .pacificationl
and. plan .hnwing th~ Incatian of tho s\rllcturo haY~ bean approved
by tli" architecl~ra \Oonl,'01 c""",itto. os to quallty of wOI'}c:llIl."ll.lIip
and mn\e,i~l., har~)ny DC eet.rn.\ d~"iBn with .xl~ting ,tructurc..
and a. t" location ilh f..p.ct ta topography and finish grade
.lev.lion. No r8ne or w.ll .ha1\ be er..tod, pl.c~d Of altered on
any 101 boarer tu . y .tr..t then tho minimum bllilding setbaok \i"8
llIIJo.. .h,; li,rly a I>! rove,l. ApPf()';a1 ,h.lI be as IH"ovi fle,! in ra,"t G.
,
their entirety .hall
1:-3. niIU.J.l~G COST, qU.\L.liY ,\;Ill SIlt:. Nn d\ol911ing ,hall be I'er-
",ilt.d on ony lot lit . co.l Qf Ie" than ~S10,OOO.OO ba.ed Ilpon cost
lcval. proval\ln~ nn Iho dnto th.,. co..nants are recorded, it being
tl\G int_ntion .Il~ pl~rpos" of t\lC tOVeflmtlt to &SS~lr. that a1\ dwollinga
sholl o' 0(' ~ quallt' of' "orlcm"l19hip ~f\d .,,,torials substantially \I,.
~..G Ot' botter thln thnt wl\i~h enn bo 1)~'Qd\tC6d on tn~ dat~ 'l'$~e
G~V_ndllt9 ~re r.cor~ d a\ tll$~lnimu~ co~\ BtatGd horoin for the
IIl\nil1lu: ?,!r'r:\ilttd (hI' ltinR ~i~o. tho e':r-O\lnlt 1"1001"' aron. of tho main
~trl~,'ur~1 ~XC1USi~etOr Olle-story ope" porches and gAraGe~, shall
h~ n"t 10." than 1.0 0 ~'1U~I'O f8et fof' It ona~lltoty <llIf'l1inK, nor
lcssthall 750 square tnet fo,' a d"ellil\8 (,("flwl''' Uton One stOi"Y.
~:~:.,.B~I"J.~~~G r~~~fr~~~'11~~~ ~:~i~~~~~~a~~l:, b~ located on any lot
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BOOK 1G2 rM,[ no
e.r" i':^~i:'Il;l.J'fS. l::~.'om.nt, [01' inshll.t!on .111.' m..lnt.nt.nc$ of
utilltie. and droi~.H. facil1ti.. or$ re..rved e. .hown On Ih_
rpCol'd~11 Jl1.t .Il~ bver the ro~r terl t'eet of ~ach lot.
,
C-1, ~iJ1S^~(;BS. t';o nnxiollS Ot' orfOtl~ivc activity ~t~~11 be cat'rled
on np()1l any lot, n ~r dhatl anylhlt'IR be don~ thorOOI, t1h.ich ",ay \)iU or
may become an unno an[;f;j Of" l'iui3.&fH.:a to the ne.lghuorho(\d.
i
r...~~ Tr';III'OII~I1Y :o>T*IICTI.l<tE:S, No dt\"uclur.. of a ht1\I'<>"~fY Ghara<;tor,
1.1,'11",., "..e:unt ,I. \011\ I .h.~'t, r:arago J IlRrn, 01" othel' outbui ldillg
~h.ll be u..d On a.J lat at any tlm. .. .. ~..id.nc. .ither temporarily
IJr perl~~ncntly.' '
4,,11
~-u. S[GNS. No IIBn of any kind ~hall b~ displayed to the public
.ieM an any lat .. " pi on~ prOf'.,.ional .!gn of n<>t ~ore than one
,quare foot, OnO 0 gn of not Mor' than five .qual". r..t a~v.rti.ing
lh. property ror . 1e or rent. Dr olen. u~.d by . bui.lder to adver.
tis. tho property ~u~inC tho construction and .ales period.
:
I;~lo. OIL ^l>IP HHdN/; ()p'mATIO~<S. 110 oll drilling, dil nov.lopment
op.ratlon., all r.~ining, quarrying or mlnrng Dperotions Of any kind
shall be pcrmltt'd~upon or in .n~ lot, nor ahall oil well., tanks,
tunn.1., mineral 0 cavalion. Dr .h.ft. b. parmittod upon or in any
10\. No darrlck 0 ather .truetur. de.iened for u.. in borning for
all 01' n.tul'ol I~al i.h~ll b. 'cre"t.d, maintained or pa~lllitt.d "pall
nns lot.
,
1~-11. I.IVf.STOCK Hill POIILTRI'. No aahlal., livestock. 0" poultl'Y
.r fiftY kJnd shall ~. r.t.~d, h.d or k~pt 00 any lot, excopt that
~lor~, cAt~, or nthelr hOlisnholcl rat~ may, be kept providad that they
al'8 nC't ktlpt, bred,1 01" fNail'ltlllnrft(i fOf' any {':clnmercial pUl~pOS~.
i
G - 1 ~ . ,; A II ;1,\ G" ^ lID IR f, f U S 1': n I ::; P 1'1 S ~ L. II 0 lot s h.. 11 b G "... do,' '" u i lllr'
l.in~d ~a . du"'ping ~raund fo~ rubbish. Trash, garbage Dr other
wadte sllftll not be ~ert ex,op1: in &8oitary containers. All jncin~
~r~to~s OJ" other eq~,ip~~nt for tha 9tora~~ D~ di~po~al of ~)lch
l~at~rl~l ,hall be k~pt 1" a clean an~ ~anlt~E'Y condition.
,
C-l3. :;I,;Wf I'TS'i'A'Nh; AT Hnl';HSECTJONS. No renco, ...U, hedge 0"
shrqb plerdinr. which (\0;3truc'\~ sight li,ot':) at ole,"ations hebiee'~ '2
ond 6 foet above Ih~ roa~.ay. shall te placed or permitted to remain
{In ~ny corn.r lot w~tllin the trifif\Gular uroa formed by the btreet
)lrol.cr'ty lins!l an11 ~ lino (;t)n\lee.t~nt: tt1t.!m at points 2b fUlt front the
intQ'..ctlOl\ 1'[ th~i ,treat line., ot' in the ca.. of " rounde,' P"Op81'tr
~Orller fr0~ thy it~t~r~ection of the &troet property lines c~t~tlded.
the ..~. .IRht llnt\ li~l\a'ion' oholl opply on any lot ~Ithln 10 f..t
I rOIll tlll1 il1terBcctihn of a 'Stl~"ot pt'oper-ty lino "~th thif. odgl9 of' a
Jriv.v.y or ..1\., p~.ement. No tr.. "hall b. permitt.d to r.main
'WI thirl BIlel, dilltanc .. .r 'llCh Int-er~ectirJn:ll llnles':,I the foliage line'
\5 m~in\alne6 at BU ficient h~itht to prev&~t obstruction of Nuch
~iRht lint~:J. :
VHl' n
lRt~Tl'~~'II~Ar, COnTROL CO""TTTFF
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committee nor ~t9 d~.ignate~ rcpreSc11tntiv~ ~hal1 bo entitled to
OIlY cOMpan.AUd,t Cor HrvicC9 perrol'm"d pur.tlAn\ 1'0 this cov.n~~t.
At .t1\)' time, thlo th"n l'oe,"'d ""l\er~ of 0 majority 01' the lots 111.11
hove tho power !lhrouRh .. <luly I'.co..no,l written lnet/'ument to change
the ...mher.hip 101' tho <;ommlth. ,,,. to I<ithd"aw frolll ttt. oOl'llllitt..
or r.ator. to tit any of 1t$ p~~are and dutien.
,
j).... rI:OCf~nU\{f.i, The cO/llmHt<lle" 'PP1'OVA1 or disapprOVAl "0 r''luil..d
In th... COVCh.~t. ahall b. in "ritind. In tho event the ~Qm..itt...
or It. d..lgnb'pd ..pr'6el1lativ.f (ail. to approve or <ll.approve
wlthi" 30 dAY' ,ft.r p10nl and .peclficatlo". hove boen lubmitt.d
to it f 01' i n on~ ",vont, if no <uit to enjoin the COl'1ltruction hu
b..n cO/liIli.nGed ~rlor to the co~pl.tion ther~or, approval ~ill not
ue required and Ilh. I'chied ~ov.tt.nte .h..l1 be d.....d to hove h.."
lully compllod .(1 tho
!'ART F:, GFNI::l<AI~ I'ROVlSJOt,'S
,
,
R.l. TERM, T~~9' cov~nant. are to run with the land and ,hall 'a
binding on all ~arti.. and ell person. claiming undor th.~ for a
period of t".nt~'I-(ive y~are f"om the ,hi. theee covenant. ar. re-
corded, after wh~(.h ti... ..id covenant. aha II be .uto~etic.llr eX-
tendod f~r 8ucce\~5iv~ p~riDd& of t~n years llnle$& _n inltru~.nt ai.n.4
by . ~.jority ofl the thon Dvn.r. of tho lot. hel been ~.cor~.df
air~ein~ to chan~.' ~Did covetlant. in l,hol~ or in p~rt.
,
i
L.2. F:NF(I\{CEHLII'\', Ellfo"c.i"e,,1 allal1 be bJ' pro~e"ding. lit 1.", or
in equity ,guino' any p.~.on Qr peraon. violating or .ttompting
La violat. any cfv.nant either to r..train violation or to reoover
d..aK.~, '
~-3. ~BVERA~ILJ~Y, lnve.lldatlon of ~ny one of th,.., Govenant.
by judgment or c~tlrt orler Ohkl1 in no wi.a aff.ct ai'll' of the oth.~
provllion. "hleh I.hall r..~.il'l in ful.l force and effaGt.
~nr"'tl t . ..
,l{&t~'/ I.lf wth ;111______
. rf"'ecretf\qr
WI', ~~:l,.E~:_;:~rI!A,rrO~, /'
llJ' ;Ie c/S"""l:,-U '}-"~..-a,^-"<,.......
---,-- 'pri\iTJinr
StH<; or I'EIJl.l~YLV~~'H )
) 5S I
COllWff OF CUHBEli;L+N1) )
Befor. mel a notary public inond for the Stat. and Count,
.fore.oid, p,r50n*11v lIppeared R. E. B"~man, known to m. poraonally,
who, bainG duly .~orll Accordi.\& to 1...., deposel end .ny, th.t h. i,
l'....id.nt of Ht'llton C<l!"p"caHou, the compony lIbtoh .igned the
foragoing .t.t.m. tl that h~ i~ the proper offia~r or pafaon duly
.uthori&.d by the lloard of Pirector. to sign the rorGg.in~ I.at...nt,
~nd to wok. thi. rfi<lavlt fDr ~r On beh.lf of Said GOMpeny. and
that It i. 00 ",.de I and t"'atthe r."t. aet forth in thp Caragoing
at.t6M.nt kr. \ru~ .nd correct.
SWllill-"";"'. ubs C ri b~<l
I.....fl/.'.'"' a
--"_:..:.T>-(.....,':::'~~- :<v,~y
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't'_~~-~! ,~~!!~~':'_~);" ';;' ....
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. ' .::~:;;!,>~l''i''~,''; ,
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i Alif;:mlf~1ol1' Of' nn;n
~T. Al.L!;N llF.l\~llTS.
1:li;~''i'H rcTlON FOk
fLAN OF ~~CTION r
~IH'.lil!;A~. c0l't.in buildinG .,Id UH z'eatdctlol'1l for
I
lit. A\1elt f16~ght. _ Plan of ~.ctioll F. have bo"n adopt.d aMI
l'ecol,.leo in ~h' Cuml,erhnd Co"r;ty Recorder'. Office in
Hl.c.llAn6otlsl nook L~2._. I'ar.e Xl'... and
~H~H~~S. It IS th~ de.ire of tho underuleMed hoing the
01("0 rtl
of alll the 101$ contained in &oid I'lnn of ~'ectil)n F
I
that Part C,5\ contained in tho aforo..id recorded r..trl~tiDn.
shall 1I0t app'y to Lots 1I0s. G7. 68, 69, 70. 80 and 81 0.5 .hown
I
in .aid flail ~r Smction r. Said rart C-5 of .aid record.d
I
ruatriction. road. a. folloW'1
"C-5. LilT API':A ANn 1II1'lTH. 110 dwelling 01"111 b~
e~8ctod or plscerl On any lot having B width
a' 106. than 80 foet at the minl.um building
.~tbaek line, nor .hall any dwelling b.
e~.ctod or pl.oed On sn, lot having an ar..
D~ lees th~n 11},500 8quar~ feet.11
NOW, ~HER~FORE, in considera1ion of $1.00 and oth~r
good aad v.lu~Dl. coneirtel"ation, the under.igned hereby agree
I
that the .fore~aid 'art c.~ .hall not apply to tho aforesaid
"!
lot, "
III
WIT~~S~ Wn~BGOr. We have horeunto set our handa
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alld
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liT. ,II.LEN SORVOR ,\1'ION
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By ,_1L~;'~,,--rLc!:::~'-"4,~_-{-~'a;,lLl
) ...~' l'roudent. '
1-/ ,. \ ') ~ !
-. ,. .(~ 7!;')i~_,"".. .',-~, _-J-. /_tSEH)
i{;i-. . ~HirlCn! t .rtt:::., I
--7 -71 / ~ --J ;J'
;/;~,-,I;:b,.d ' /;y!. /tF,SAt,)
/'1J 7_U.!J KaUde.t$1iy .-._ . 1
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~ allfirst
AlIBt'st Trust
8 West High Street
Carlisle, PA 17013-2922
7172406709
November 6, 2002
Donegal Companies
C/O Woolf/Strite Assoc1.
2929 Gettysburg Rd" stte 8
Camp Hill, PA 17011 I
1
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Re: Estate of Carolyn d, Zimmerman
Your Policy #P AE155871 0
Ladies and Gentlemen: I
NOTICE OF PUBLIC AUCTION
Please be advised that lfirst Trust Company of Pennsylvania, N,A, as Executor of the Estate of
Carolyn G, Zimmerman will be conducting a sale of the estate assets by means of a public
auction at 9:30 A,M. on November 16, 2002 at 18 Nittany Drive, Mechanicsburg, P A. The
assets being auctioned ill include the residence property, automobile and household contents,
which constitute almost all of the probate estate,
At this time it appears at there will not be sufficient assets to satisfy the creditors of the estate,
The purpose of this noti e is to give you the opportunity to attend the auction and protect any
interest that you may ha e in the estate,
If you have any questio4s, please feel free to contact the undersigned at 1-800-432-7994,
Sincerely, I
Thomas E. Morkin
Vice President
TEM/gek
cc: Charles E, Shields, " Esquire
CERTIFIED MAll.-: 1002 0860 0000 1075 6233
,
AFT-2009
tyI. ,"11"1-1-/
....
Register of Wills of
CUMBERLAND
County, Pennsylvania
INVENTORY
Estate of Carolyn G. Zimmerman
No. 21-02-0862
also known as
Date of Death 06/20/2002
,Deceased Social Security No. 184- 26 -4621
, A11first Trust Company of RA, N.A.
Personal Representative(s) of the above Estate, deceased, verify that the items appearing in the following Inventory include all of the
personal assets wherever situate and all of the real estate in the Commonwealth of Pennsylvania of said Decedent, that the valuation
placed opposite each item of said Inventory represents its fair value as of the date of the Decedent's death, and that Decedent owned
no real estate outside of the Commonwealth of Pennsylvania except that which appears in a memorandum at the end of this
Inventory. I !We verify that the statements made in this Inventory are true and correct. l!We understand that false statements herein
are made subject to the penalties of 18 Pa. C.S. Section 4904 relating to unsworn falsification to authorities.
1.0. No.'
38513
Personal Representative
A>"',,' 'mo' '~
::::::~rr== 4
AddresS' 8 West High Street
Name of
Attorney:
Charles E. Shields, III
Address:
6 Clouser Road
Mechanicsburg, PA 17055
Carlisle, PA 17013
Telephone:
717/766-0209
Telephone:
717/240-6707
~/n/6:J
. ,
Dated:
Description
Value
(See continuation page(s) attached)
(Attach additional sheets if necessary)
Total:
117,603.79
NOTE: The Memorandum of real estate outside the Commonwealth of Pennsylvania may, at the election of the personal representative,
include the value of each item, but such figures should not be extended into the total of the Inventory.
Prepared by the Pennsylvania Bar Assoclatlon
Copyright (c) 1996 form software only CPSystems, Inc.
FormllRW-7 (1992)
Estate of:
Date of Death:
County:
INVENTORY
Carolyn G. Zimmerman
06/20/2002
cumberland
CASH:
AT&T - Credit Balance Refund
4.21
Cash found at home
57.24
Donegal Companies Homeowners
Insurance - Refund of
Cancellation
1.50
Medicare - Part B - Medical
Insurance Reimbursement
24.76
Members 1st Federal Credit
Union Savings Account
#44561-00
Accrued Interest
1,776.14
1.68
Members 1st Federal Credit
Union Holiday Account
#44561-02 - Date of Death
Balance
Accrued Interest
402.16
0.37
Members 1st Federal Credit
Union Checking Account
#44561-11
191.84
Peoples Benefit Life Insurance
Company - Refund of Premium
22.50
Tricare - Medical Insurance
Reimbursement
10.83
2,493.23
1
Estate of:
Date of Death:
County:
Carolyn G. Zimmerman
06/20/2002
Cumberland
PERSONAL PROPERTY:
1999 Buick LeSabre - Sale
Price
9,200.00
Dolls - Sale Price
397 . 06
Household Contents - Sale
Price
3,513.50
Household Contents -
*
_-uo
13,110.56
REAL ESTATE/PA:
18 Nittany Drive,
Mechanicsbu~, PA - Sale
Price
102,000.00
102,000.00
TOTAL RECEIPTS OF PRINCIPAL...............
117,603.79
=====:==========
* Inforl1la1:ional Note: There were several items of household use
in the premises which were removed from the premises under claim
of right. The assumed value of these items is minimal and the
proofs necessary to recover them are somewhat complex. In any
event, the cost of doing so would far exceed their apparent values.
2
COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
ORPHANS' COURT DIVISION
NO. 21-02-0862
ESTATE OF CAROLYN G. ZIMMERMAN, DECEASED
AN INSOLVENT ESTATE
----------------------------------------
----------------------------------------
FIRST AND FINAL ACCOUNT AND
SCHEDULE OF PROPOSED DISTRIBUTION OF
Allfirst Trust Company of Pennsylvania, N.A., Executor
--------------------------------------------------------------------------------
--------------------------------------------------------------------------------
Date of Death:
June 20, 2002
Date of Executor's Appointment:
September 24, 2002
Date of Advertisement of Letters:
The Patriot News
Cumberland Law Journal:
October 15, 2002
October 22, 2002
October 29, 2002
October 18, 2002
October 25, 2002
November 1, 2002
Accounting for the period:
June 20, 2002 to
May 2, 2003
--------------------------------------------------------------------------------
--------------------------------------------------------------------------------
Purpose of Account: Allfirst Trust Company of Pennsylvania, N.A., Executor,
offers this account to acquaint interested parties with the transactions that
have occurred during this administration.
It is important that the account be carefully examined. Requests for
additional information or questions or objections can be discussed with:
Allfirst Trust Company of Pennsylvania, N.A.
8 West High Street
Carlisle, PA 17013
(717) 240-6707
OR
Charles E. Shields III
Attorney Identification No. 38513
6 Clouser Road
Mechanicsburg, PA 17055
717/766-0209
SUMMARY OF ACCOUNT
Estate of Carolyn G. zimmerman, Deceased
For Period of 06/20/2002 through 05/02/2003
Page
Proposed Distributions
12-13
PRINCIPAL
Receipts:
Per Inventory Filed 3-4
Subsequent Principal
Receipts 4
Net Gain (or Loss) on Sales
or Other Disposition
5
Less Disbursements:
Debts of Decedent 6
Funeral Expenses
Administration Expenses 6-8
Federal and State Taxes
Fees and Commissions
Balance before Distributions
Distributions to Beneficiaries
Principal Balance on Hand
For Information:
Changes in Investment Holdings 9
INCOME
Receipts:
This Account
10
Net Gain (or Loss) on Sales
or Other Disposition
Less Disbursements
11
Balance Before Distribution
Distributions to Beneficiaries
Income Balance on Hand
COMBINED BALANCE ON HAND
2
Current
Value
0.00
Fiduciary
Acquisition
Value
--------------- ---------------
--------------- ---------------
0.00
99,896.93
0.00
20,754.66
0.00
0.00
117,603.79
3,047.80
0.00
120,651. 59
120,651. 59
0.00
0.00
0.00
54.00
0.00
54.00
54.00
0.00
0.00
0.00
0.00
RECEIPTS OF PRINCIPAL
CASH:
AT&T Corporation - Credit
Balance Refund
Cash Found in Home
Donegal Companies Homeowners
Insurance - Refund of
Cancellation
Medicare - Part B - Medical
Insurance Reimbursement
Members First Federal Credit
Union Checking Account #44561-11
- Date of Death Balance
Members First Federal Credit
Union Holiday Account#44561-02
- Date of Death Value
Accrued Interest
Members First Federal Credit
Union Savings Account#44561-00
- Date of Death Balance
Accrued Interest
Peoples Benefit Life Insurance
Company - Refund of Premium
Tricare - Medical Insurance
Reimbursement
PERSONAL PROPERTY:
1999 Buick LeSabre - Sale
Price
Dolls - Sale Price
3
4.21
57.24
1.50
24.76
191. 84
402.16
0.37
1,776.14
1.68
22.50
10.83
9,200.00
397.06
Fiduciary
Acquisition
Value
2,493.23
Household Contents - Sale
Price
Household Contents - Other *
3,513.50
0.00
13,110.56
*Inforrnational note: There were several items of household use
in the premises which were removed from the premises under
claim of right. The assumed value of these items is minimal
and the proofs necessary to recover them are complex. In any
event, the cost associated with recovery, even if possible,
would far exceed their apparent value.
REAL ESTATE/PA:
18 Nittany Drive,
Mechanicsburg, PA - Sale Price
SUBSEQUENT PRINCIPAL RECEIPTS:
01/10/03
Members First Federal Credit
Union Checking Account#44561-11
- Additional Proceeds
01/10/03
Members First Federal Credit
Union Checking Account#4456l-11
- Insurance Premiums Deducted
from Account After Death
01/10/03
School Property Tax 18 Nittany
Drive, Mechanicsburg -
Reimbursement at Settlement
02/27/03
United Water of Pennsylvania -
Refund of Overpayment
04/25/03
Members First Federal Credit
Union Checking Account
#44561-11 - Closing Balance
05/02/03
Amount received from Members
First Federal Credit Union to
Supplement Estate to pay
Administrative Expenses as per
Agreement attached to Court
Petition for Order signed by
Honorable George E. Hoffer,
December 23, 2002
05/02/2003
Transferred from Income
102,000.00
102,000.00
624.03
37.50
633.14
15.29
25.15
1,661.35
51. 34
3,047.80
TOTAL RECEIPTS OF PRINCIPAL.. ... ..... .....
4
120,651.59
--------------
--------------
11 / 2 6 / 02
11/26/02
12/18/02
01/10/03
GAINS AND LOSSES ON SALES OR OTHER DISPOSITIONS - PRINCIPAL
1999 Buick LeSabre
Net Proceeds
Fid. Acq. Value
Household Contents
Net Proceeds
Fid. Acq. Value
Dolls
Net Proceeds
Fid. Acq. Value
18 Nittany Drive,
Mechanicsburg, PA
Net Proceeds
Fid. Acq. Value
Gain
9,200.00
9,200.00
0.00
3,513.50
3,5l3.50
0.00
397.06
397.06
0.00
102,000.00
102,000.00
0.00
TOTAL GAINS AND LOSSES/PRINCIPAL. ... .......
0.00
0.00
LESS LOSS..... ... .... .... ... ..... .....
0.00
NET GAIN OR LOSS... ..... ... ... ..... ... .....
5
LOSS
0.00
DISBURSEMENTS OF PRINCIPAL
DEBTS OF DECEDENT
Payment pursuant to Probate Estate and Fiduciaries Code Sections 3381 and 3382,
regarding the non-impairment and priority payment of mortgage judgements which
are liens at death
01/10/03
$99,896.93
Members First Federal Credit
Union - Payoff of Mortgage at
Settlement on sale of real estate
as per Order of Hon. George E. Hoffer,
December 23, 2002
TOTAL PRIORITY LIENS/MORTGAGES
DEBTS OF DECEDENT
99,896.93
Informational Note: Actual amount owed at time of transfer of real
estate was $100,722.54. The shortfall is $825.61. A Standard
Administrative reserve set aside in the amount of $1,000 appears
herein below. In the event it is not entirely spent it is
contemplated any excess will be used to decrease this shortfall.
ADMINISTRATION EXPENSES
Priority One Administrative Costs payment regarding classification and order of
payments pursuant to Probate Estate and Fiduciaries Code Section 3392(1),
Administrative Expenses
10/02/02
164.30
10/02/02
10/22/02
10/22/02
10/22/02
10/22/02
10/22/02
11/01/02
Harrisburg Locksmith Service
Real Estate Expense, 18 Nittany
Drive, Installed New Lock
Sets
Sollenberger's Messenger
Service - Vehicle Record
Info. 1999 Buick LeSabre
17.00
Bridge Street Realty, LLC -
Appraisal Expense
325.00
Charles E. Shields, III -
Reimbursed Probate Fees and
10 Short Certificates
238.00
PPL Electric Utilities -
Utility Expense
144.69
United Water of Pennsylvania
Utility Expense
63.66
Upper Allen Township -
Utility Expense - Sewer Bill
105.53
Seabury & Smith Inc. -
Property Insurance (fire)
298.48
6
11/01/02
11/04/02
11/05/02
11/05/02
11 / 0 6 / 02
11/18/02
11 / 2 6 / 02
11/26/02
11/26/02
11/26/02
11/26/02
11/26/02
12/10/02
12/18/02
12/18/02
01/09/03
01/10/03
Seabury & Smith Inc. -
Liability Insurance
Merry Maids
Cleaning Residence in
Preparation for sale
United Water of Pennsylvania
Utility Expense
US Postmaster - Postage to
Certify Notices of Public Auction
Allfirst Bank - Reimbursement for
Duplicate Car Title
Zimmerman Plumbing & Heating
Plumbing Repairs to protect
property pending auction sale
Chuck Bricker, Auctioneer -
Advertising Cost for Auction
Chuck Bricker, Auctioneer -
Commission on sale of 1999
Buick LeSabre
Chuck Bricker, Auctioneer -
Sale Setup Cost
Chuck Bricker, Auctioneer -
Commission on sale of Real
Estate
Chuck Bricker, Auctioneer -
Clerk Fees
PPL Electric Utilities -
Utility Expense
United Water of Pennsylvania
Utility Expense
Paul M. Bouder - Sale of
dolls through EBay Listing
Robert Haring - Clean out 18
Nittany Drive, 2 loads in preparation
for delivery of possession of
property to buyer
United Water of Pennsylvania
Utility Expense
County/Township Real Estate
Taxes due on 18 Nittany Drive
7
67.44
159.00
6.71
83.98
36.50
164.00
440.00
460.00
410.00
1,000.00
350.00
11.54
11.00
77.41
120.00
15.29
6.68
01/10/03
01/10/03
01/13/03
01/23/03
01/29/03
02/19/03
03/18/03
04/03/03
Settlement Charges on Court
Approved sale of 18 Nittany Drive
Mechanicsburg:
Real Estate Transfer Stamps 1,020.00
Cumberland County Tax Claim
Bureau 2002 School Taxes
1,492.94
Upper Allen Township
Sewer Charges
206.59
Upper Allen Township - Sewer
Bill due at Settlement
Shipley Energy - Heating
Fuel Expense
United Water of Pennsylvania
Utility Expense - final bill
PPL Electric Utilities -
Utility Expense - final bill
Charles E. Shields, III -
Reimburse Cost of Advertising
and Proof of Publication
Cumberland County Register of
Wills - Fee to File Inheritance
Tax Return and Inventory
Marsh Advantage America -
Property and Casualty
insurance premium
RESERVE:
Allfirst Trust Company of Pennsylvania,
N.A. Executor, Executor Fee
Charles E. Shields, III, Legal Fees
Reserve for Final Costs of
Administration including but not
limited to filing fees and postage
regarding notice to creditors
2,719.53
10.00
217.35
19.76
21.71
238.95
26.00
21. 00
6,000.00
5,704.15
1,000.00
TOTAL ADMINISTRATION EXPENSES. ..... ..... ... ..... ....
TOTAL DISBURSEMENTS OF PRINCIPAL... ... ..... ..... ....
8
20,754.66
120,651.59
--------------
--------------
CHANGES IN INVESTMENT HOLDINGS - PRINCIPAL
18 Nittany Drive, Mechanicsburg, PA
06/20/02
01/10/03
1999 Buick LeSabre
06/20/02
11/26/02
Dolls
06/20/02
12/18/02
Household Contents
06/20/02
11/26/02
Household Contents other
06/20/02
inventoried
sold
inventoried
sold
inventoried
sold
inventoried
sold
inventoried
9
Cost
102,000.00
(102,000.00)
0.00
--------------
--------------
9,200.00
(9,200.00)
0.00
--------------
--------------
397.06
(397.06)
0.00
--------------
--------------
3,513.50
(3,513.50)
0.00
--------------
--------------
0.00
0.00
--------------
--------------
RECEIPTS OF INCOME
INTEREST
Ark Money Market Portfolio
11/01/02
12/02/02
01/02/03
02/03/03
03/03/03
04/01/03
05/01103
2.02
2.18
11. 22
10.70
9.13
9.70
9.05
TOTAL INTEREST INCOME.... .... .... ..... ....
TOTAL RECEIPTS OF INCOME.... ..... ... ......
10
54.00
54.00
--------------
--------------
54.00
--------------
--------------
04/03/03
05/02/03
DISBURSEMENTS OF INCOME
A11first Trust Company of PA,
N.A. - commission on income
2.66
Transfer to Principal
51. 34
TOTAL DISBURSEMENTS OF INCOME... ..... ..... .....
11
54.00
--------------
--------------
PROPOSED DISTRIBUTION
Amount
Claimed
Amount to
Be Paid
Priority Class Two: Payments Pursuant to Probate Estate & Fiduciaries Code
Section 3392 (2), Family Exemption
None Eligible
0.00
0.00
Priority Class Three: Payments Pursuant to Probate Estate & Fiduciaries Code
Section 3392(3), Funeral and Medical Costs
Musselman Funeral Home
3,190.45
0.00
Informational Note: Verbal representations have been made to the
Executor by family members that they have or will pay this funeral
bill regardless of any technically separate estate obligation or lack
thereof.
Family Medical Practice
35.59
0.00
Holy Spirit Hospital
42.08
0.00
Pennsylvania Neurological Associates
nO.88
0.00
West Shore Pathology
75.00
0.00
Priority Class Four: Payments Pursuant to Probate Estate & Fiduciaries Code
Section 3392(4), Grave Marker
None Eligible
0.00
0.00
Priority Class Five: Payments Pursuant to Probate Estate & Fiduciaries Code
Section 3392(5) Rents
None Eligible
0.00
0.00
Priority Class Six, Non Priority And Non Secured Payments Pursuant to Probate
Estate & Fiduciaries Code Section 3392(6), All Other Claims
Bon Ton - Account #052739851, Balance Due
969.02
0.00
Boscov'S - Account #003091066, Balance due
1,139.67
0.00
Comcast Cable - Account #0502054226301,
Balance Due
34.99
0.00
Commonwealth of Pennsylvania - Public
School Employees' Retirement System
2,214.03
0.00
12
Amount
Claimed
Amount to
Be Paid
MBNA/LL Bean - Account #4800122763130941
Balance Due
10,945.68
0.00
Members First Federal Credit Union Visa
Credit Card #4287590000445615,
Balance at Date of Death
9,317.49
0.00
Mobil - Account #3366115057, Balance Due
Sunoco - Account #566799905473
12.91 0.00
58.16 0.00
13 .10 0.00
20.88 0.00
2,071.07 0.00
34.14 0.00
86.04 0.00
The Patriot News Company - Account
#76657021M, Balance Due
Verizon - Account #717-766-5709-SSI
Balance Due
Wal-Mart Stores, Inc. - Account
#60327207620341610, Balance Due
Waste Management of PA, Balance Due
AOL
All balances listed are as of Date of Death
13
AFFIDAVIT
Allfirst Trust Company of Pennsylvania, N.A., Executor under the Last Will
and Testament of CAROLYN G. ZIMMERMAN, deceased, hereby declares under oath that
it has fully and faithfully discharged the duties of its office; that the
foregoing Account is true and correct and fully discloses all significant
transactions occurring during the accounting period; that all known claimants
against the Estate have been timely notified by certified mail, return receipt
requested and notified of their rights; that, to its knowledge I there are no
other claims now outstanding against the Estate; that all taxes presently due
from the Estate have been paid; and that more than four months have elapsed
since the first complete advertisement of the granting of letters in this
Estate.
Pennsylvania I N.A" Executor
up
"PV'e>,Y,I?<U' e: /ncJ>e~ V
Subscribed and sworn to
*'
before me this )3 day
~~j~~
2003.
f,j<~
Notary Public
G Notarial Seal
M c:~~~otr~: ~~~~e~~OY~~liC
Y CommiSSion Expires Nov. 22, 2~04
Member, Pennsvlvanla AssOCIation Of Notaries
14
REQUEST FOR DISTRIBUTION
Accountant requests that distribution be determined by the Court in
accordance with this Petition for Distribution.
Allfirst
f p;zvania;;.A.,
Executor
15
11Jtt~t JIlUI ~nh Qr~gbtm~n1:
21-02-862
It CAROLYN G. ZIMMERMAN, of the Borough of Lemoyne, County of
Cumberland, and StBte of Pennsylvania, make, publish and declare this to be my
Last Will snd Testament, hereby r€!voking and making void auy and all Wills by
me at any time heretofore made.
l. I direct the payment of my just debts and funeral expenses
as soon after my decease as may be convenient to my Executor hereinafter named.
II. I give, devise and bequeath my estate unto LEMOYNE TRUST
COMPANY, in trust, nevertheless, for the benefit of my daughter, KIMBERLY LYNN,
under the following conditions:
A. The Trustee shall invest the fund under the standard
of a prudent man and shall pay the income unto the person or persons
maintaining my daughter, during her minority, and when she shall have
attained responsible age, in the discretion of the Trustee, to her
personal 1 y;
B. In addition to such income, should it appear that ~uch
payments, together with funds available to my daughter from other
sources is insufficient, the Trustee, acting in its sole discretion,
sball distribute necessary amounts of principal for her maintenance and
education;
C. When my daughter attains age twenty-five (25j-, the Trustee
shall distribute to her oneMhalf (1/2) the fund then remaining in trust,
and when she attains age thirty (30) shall distribute to her the balance.
D. Should my daughter die during the continuance of the
Trust, the fund shall be distributed to my motherJ if she be then living,
and if not, to my brothers and sisters and the issue of any who may be
deceased, per stirpes.
III. I name, constitute and appoint BETTY WILLHITE and FREDERICK
T. WILLHITE, of Melbourne, Florida, to be the Guardians of the Person of my
daughter during her minority.
IV. I name, constitute and appoint LEMQYNE TRUST COMPANY~ of
exll/glF A
\, I'? - Y'c. - "7
BUREAUlli INDIVIDUAL TAXES
INHERITANCE TAX DIVISION
DEPT. Z8D6Dl
HARRISBURG, PA 17128-9601
COMMONWEALTH OF PENNSYLVANIA
DEPARTMENT OF REVENUE
NDTICE DF INHERITANCE TAX
APPRAISEHENT, ALLOWANCE OR DISALLOWANCE
OF DEDUCTIONS AND ASSESSIIENT OF TAX
THOMAS E
ALLFIRST
8 W HIGH
CARLISLE
DATE
ESTATE OF
DATE OF DEATH
FILE NUMBER
COUNTY
ACN
MORKIN
TRUST CO
ST
05-05-2003
ZIMMERMAN
06-20-2002
21 02-0862
CUMBERLAND
101
Allount R..itted
*'
REV-1547EM_FP(Ql_IS>
CAROLYN
G
PA 17013
MAKE CHECK PAYABLE AND REMIT PAYMENT TO:
REGISTER OF WILLS
CUMBERLAND CO COURT HOUSE
CARLISLE, PA 17013
CUT ALONG THIS LINE ~ RETAIN LOWER PORTION FOR YOUR RECORDS ~
REV=is4j-EX-AF'P--coFo3T"N01'"ICE--OF-'rNHEifiTANCn:'A'irAPPRA-iSEii€NT:--AiroWANCnii-----------------
DISALLOWANCE OF DEDUCTIONS AND ASSESSMENT OF TAX
ESTATE OF ZIMMERMAN CAROLYN G FILE NO. 21 02-0862 ACN 101 DATE 05-05-2003
TAX RETURN WAS," (X I ACCEPTED AS FILED
I CHANGED
RESERVATION CONCERNING FUTURE INTEREST - SEE REVERSE
APPRAISED VALUE OF RETURN BASED ON: ORIGINAL RETURN
1. Real Estate (Schedule A)
2. Stocks and Bonds (Schedule B)
3. Closely Held Stock/Partnarship Interest (Schedule C)
4. Mortgages/Notes Receivable (Schedule DJ
5. Cesh/Bank Deposits/Hisc. Personal Property (Schedule E)
6. ~ointly Owned Property (Schedule F)
7. Transfers (Schedule G)
8. Total Assets
(11
(21
(31
(41
(51
(61
(1)
102.000.00
.00
.00
.00
15,603.79
.00
.00
(81
APPROVED DEDUCTIONS AND EXEMPTIONS:
9. F..,eral Expenses/Ad.. Costs/"isc. Expenses (Schedule HJ
10. Debts/Hortg898 Liabilities/Liens (Schedule I)
11. Total Deductions
12. N.t Value of Tax R.turn
13. Charltabl./GoYer~.ntal Bequestsj Non-elected 9113 Trusts (Schedule J)
14. Net Value of Estate Subject to Tax
(9)
l1el
22,239.06
144.125.97
(111
1121
(13)
1141
1151 .00 X 00 =
1161 .00 X 045 =
I1n .00 X 12 =
1181 .00 X 15 =
1191=
NOTE: To insure proper
credit to your account,
sub.it the upper portion
of this form with your
t8)( pay.ent.
117,603.79
1.......3...~ 03
48,761.24-
.00
48,761. 24-
T4)( CR ITS.
PAY K.~.'" .., AIIDUNT PAID
DATE NUIIBER INTEREST/PEN PAID (-I
TOTAL TAX CREDIT .00
BALANCE OF TAX DUE .00
INTEREST AND PEN. .00
TOTAL DUE .00
. IF PAID AFTER DATE INDICATED, SEE REVERSE
FDR CALCULATION OF ADDITIONAL INTEREST.
( IF TOTAL DUE IS LESS THAN $1, NO PAYIIENT IS REQUIRED.
IF TDTAL DUE IS REFLECTED AS A "CREDIT" (CRI, YOU IIAY BE DUE
A REFUND. SEE REVERSE SIDE OF THIS FORM FOR INSTRUCTIONS. I
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loRe:
IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY, PENNSYLVANIA
&tate of CAROLYN G.
ZIMMERMAN, late of
Upper Allen Tow.nship
NO. 'J-J- 01.. -J~2...
ORPHANS' COURT DIVISION
PETITION FOR COURT APPROVAL OF AUCTION SALE OF
REAL ESTATE WHERE ESTATE IS INSOLVENT
AND THERE ARE INSUFFICIENT FUNDS TO
PAY ESTATE ADMINISTRATION EXPENSES AND
TO FULLY SATISFY THE HOLDER OF THE FIRST MORTGAGE
TO THE HONORABLE JUDGES OF THE SAID COURT:
BACKGROUND INFORMATION
1. Petitioner ALLFIRST TRUST COMPANY OF PENNSYLVANIA, N.A., is the
successor to Lemoyne Trust Company, and is the Executor of the Last Will and Testament of
Carolyn G. Zimmerman. Said Executor has a mailing address of 8 West High Street, Carlisle, PA
17013.
2. Carolyn G. Zimmerman departed this earthly life on June 20, 2002 and her last will
and testament dated December 19, 1964 was duly probated and letters testamentary were issued
thereon to the said Executor on September 24, 2002. (See copy of Will attached as Exhibit A.)
3. The said last will and testament provided, inter alia, for a trust to be established for
the benefit of decedent's then minor daughter, an only child, and for the appointment of guardians
of the then minor daughter's person. Said daughter is now an adult, and is known as Kim Evans,
and lives at 2204 Fenwick Avenue, Mechanicsburg, Cumberland County, PA 17055.
JURISDICTION
4. Jurisdiction, venue, power, and authority lies in this Court per PEF Code Sections
711(1) (15) (16); 712(3) (including matters not enumerated); 721(1); and 3353.
ESTATE ASSETS
5. The estate is composed of the following broad categories of assets:
A.) PERSONALTY composed of typical household furnishings, an
automobile, and other like items which were sold at auction by Chuck Bricker on November 16,
2002. The gross value of said auction was $12,713.50. After deduction of the auctioneer's
expenses and commissions, the net received was $10,053.50
B.) PERSONALTY was retained by the family with the understanding that it
must be purchased from the estate in the event of an insolvency, currently believed to have a noo-
appraised but roughly estimated value of $500.00.
C.) RESIDENTIAL REAL ESTATE addressed in more detail below, situate
at 18 Nittany Drive, Mechanicsburg, Upper Allen Township, Cumberland County, Pennsylvania,
having an appraised value of $125,000.00. (See appraisal by Tammy Sheaffer, alk/a Tammie
Sheaffer, of Bridge Street Realty, attached hereto as Exhibit B.)
D.) MISCELLANEOUS; BANK ACCOUNTS; REIMBURSEMENTS
AND THE LIKE amount to approximately $3,493.37.
E.) The total of the above items is $141,706.87. (Gross)
ESTATE LIABILITIES
6. The estate was subject to the following known liabilities as of the date of death:
A.) A first mortgage on the said real estate in favor of Members First Federal
Credit Union in the amount of $97,930.04.
8.) A second mortgage on the said real estate in favor of Members First Federal
Credit Union in the amount of $17,738.24. This second mortgage was paid off in full as a result of
a life insurance policy and is no longer an issue.
C.) A series of unsecured bills and debts, including credit cards, totalling
approximately $29,709.22. These unsecured debts are listed upon the Schedule of unsecured debts
attached hereto as Exhibit C.
D.) A funeral bill of $3,190.45.
7. The estate is also subject to assorted unknown estate administration expenses,
charges, fees, and the like, including costs and expenses advanced by Executor and counsel,
executor's and counsel's fees, and an auctioneer's fee of $2660.00 It is believed that these expenses
may approximate a total of $20,534.23
8. The total liabilities theoretically subject to payment amount to $151,363.94.
AGREEMENT BETWEEN EXECUTOR AND PRIMARY LIENHOLDER
9. As a result of a series of discussions and meetings, the Executor and the Primary
Lienholder entered an Agreement which is believed to be in the best interests of all concerned (See
a true and correct copy attached hereto as Exhibit D.)
10. The said Agreement provides in pertinent part for the following:
A.) Counsel is to advance funds for the payment of probate fees, advertising
costs, and the like.
8.) Members First escrows $10,000.00 from the sale proceeds as security for
payment of estate administrative expenses, executor's fees, and attorney's fees, which are to be paid
for services rendered and costs incurred.
C.) The preliminary estimate of possible fees for Executor and Counsel based
on five (5%) per cent of asset value were in the range of $15,000.00. In view of the current
knowledge as to all assets and their values, this will likely be a lesser figure.
D.) In the event that the escrow is not sufficient to pay such fees and costs,
Members First agrees to increase the fund.
E.) Executor and Counsel are not to conduct a final sale without Members First
having first established a floor price for any sale.
F.) Members First agrees to release its lien and/or mark its mortgages paid in
the event of an acceptable sale.
11. Although Allfirst could have refused to serve as Executor, it graciously decided not
to in view of the fact the only other person apparently available to serve as a personal representative
was decedent's only child, Kim Evans. Ms. Evans was in no realistic or practical position to so
serve in view of the fact that she is effectively a single parent and has several small children, has not
the financial wherewithal to absorb any unexpected or major administrative expenses that could
possibly occur,a nd was in the process of obtaining a new job and undergoing job training in
Allentown. Additionally, the Estate already had many problems and potential problems resulting
from its insolvency and complexity.
APPRAISAL PROCESS
12. In view of the fact that the real property had had recent evaluations as to its likely
value in association with various loans and in view of the decided necessity to conserve the estate's
meagre resources, it was decided to obtain one (1) professional appraisal posthaste.
13. Allfirst has used Tammy, a1k/a Tammie Sheaffer in the past as a real estate appraiser
and has found her evaluations to be very reliable and accurate. Her qualifications are listed in her
appraisal report attached hereto as Exhibit 8. See also the letter of Ronald W. Howard of
November 26, 2002 attached hereto as Exhibit E.
AUCTION SALE PROCESS
14. Allfirst decided, that in view of the insolvency of the estate and a desire to spend no
more of the estate's meager funds on the protection of the property with winter coming on, to have
an auction sale of the property with Chuck Bricker, auctioneer, on the earliest available date.
Accordingly, an Agreement was entered into which is attached hereto as Exhibit F.
15. The auction sale took place on Saturday, November 16, 2002 on the premises. A
copy of the Conditions of Sale are attached hereto as Exhibit G. These show an equal division of
real estate transfer taxes between the parties. There will also be an additional payment to the
auctioneer of $530.00.
16. The preferred price for the premises was determined to be $118,000.00 by the real
estate committee of Allfirst. This preferred price was arrived at by taking a reduction roughly
equivalent to a standard realtor's commission, keeping in mind an executor's basic duty to obtain a
fair and reasonable price for the sale of property and a duty to be careful in view of the fact it
appears that creditors will not be paid in full or even at all.
17. The highest bid price at the auction was $102,000.00. This bid was tendered by
Daniel T. Piscioneri, a professional Broker/Owner with Century 21, Piscioneri Realty, Inc., 3315
Market Street, Camp Hill, PA 17011.
18. The sale was made specifically subject to and contingent upon the final approval of
the sale by the Orphans' Court of Cumberland County.
19. Members First has assented to the sale at the said price.
CURRENT SITUATION OF INTERESTED PARTIES HEREIN
20. Members First, as a primary lienholder, has agreed to a sale at this price.
21. The interests of Members First are technically different than those of Allfimt in that
Members First, as lienholder, has every right to foreclosure on the property if need be to protect its
interests. Its basic interests are to be paid in full or as nearly as it can be to cut any potential losses.
Members First graciously consented to the current actions in view of its desire to be loyal to good
customers and members over the years and to not "pull the plug" on the estate.
22. Allfirst has a duty to obtain a fair and reasonable price under all the circumstances
and believes that under all the circumstances, and especially in view of Members First's situation,
that the price bid is fair and reasonable. It is only through the good offices of Members First that
any estate administration could be undertaken.
23. Daniel T. Piscioneri is a cash buyer who is ready to settle as soon as he obtains a
title report.
ASPECTS OF TITLE AND CREDITORS
24. It does not appear likely that sufficient funds will be available to pay the funeral bill
to Musselman's Funeral Home. Upon information and belief this will be paid by various members
of decedent's family.
25. A schedule of unsecured creditors has been attached as Exhibit C. All creditors,
excepting Waste Management, having a bill of only $34.14, have been formally notified of estate
administration and the auction sale. In the case of the auction sale, the creditors were sent a notice
of the auction sale and the likelihood of the insolvency of the estate. A specimen of the notice is
attached as Exhibit H. These were all sent by certified mail with a return receipt requested.
26. No unsecured creditor came to the auction or made themselves known to any person
or persons affiliated with the executor, counsel, or primary lienholder. It is believed that no
unsecured creditors came to the auction sale, other than Members First.
27. Among the unsecured creditors are a number of credit card companies. It is typical
for credit card contracts to include confession of judgment clauses. The entry of such a judgment
would cause extreme difficulty to the executor and its efforts to settle the estate. Such entry,
however, would do nothing to displace the primary lienholder or to prevent it from exercising its
rights to foreclose.
28. A prompt sale is in the best interest of the estate.
29. The estate has been duly and properly advertised in the Cumberland Law Journal on
October 18, 25, and November 1, 2002, and in the Hanisburg Patriot Metro- West on October 15,
22, and 29, 2002.
30. It is suggested that there should be no need for additional advertisement or notice of
a hearing or of a hearing in view of the good and sufficient notices sent to the unsecured creditors
as to the likely insolvency of the estate.
31. Your petitioners and those interested parties joining herein, request the approval of
your Honorable Court for the sale upon the terms and conditions set forth on the aforesaid auction
contract to the said Daniel T. Piscioneri or his assigns, as the case may be; for an order to have the
sale considered free and clear of all liens excepting those of Members First, the primary lienholder,
with the understanding that Members First will mark the mortgages herein mentioned satisfied and
will otherwise adhere to and carry out the terms of its agreement with the executor and counsel; that
Executor shall file a formal accounting for approval at the end of the Estate administration; and that
Executor shall deliver a good and sufficient deed with a fiduciary warranty to the said purchaser, or
his assigns, as the case may be.
WHEREFORE, your Petitioners and those interested parties joining herein respectfully
pray that this Honorable Court will enter an Order that
(a) The real property of the Estate of Carolyn G. Zimmerman, deceased, located at 18
Nittany Drive, Mechanicsburg (Upper Allen Township), Cumberland County, Pennsylvania, shall
be sold upon those terms and conditions more fully set forth in that certain auction contract dated
November 16,2002, by and between the said Estate and Daniel T. Piscioneri, (for a price of one
hundred two thousand and no/l00 [$102,000.00] dollars, the usual common law standards as to
assignability to apply.)
(b) The sale and conveyance shall be considered to be ajudicial sale and as such, shall
be free and clear of all liens excepting those certain mortgages held by Members First, the primary
lienholder.
(c) Members First shall mark or cause to be marked the Mortgages upon the said
property satisfied in full.
(d) Members First, Executor, Allfirst, and Counsel, Charles E Shields, Ill, shall adhere
to and carry out the terms of their agreement.
(e) Allfirst shall file a formal accounting for approval at the end of the Estate
administration.
(f) Allfirst shall prepare, sign, seal, and deliver a good and sufficient deed with a
fiduciary warranty to the said Daniel T. Piscioneri or his assigns, as the case may be, upon the said
purchaser's full performance of the terms and conditions of that certain aforesaid auction contract.
Respectfully submitted,
/?'/. ~I.f: ff-/1 /
By: {/~ /l~
Charles E Shields, Ill, Esquire
6 Clouser Road
Mechanicsburg, PA 17055
(717) 766-02W
Supreme Court 1.D. No. 38513
InRe:
IN THE COURT OF COMMON PLEAS OF
Cillv1BERLAND COUNTY, PENNSYLVANIA
Estate of CAROLYN G.
ZIMMERMAN, late of
Upper Allen Township
NO. ;;1.0-;' -$ft>z,
ORPHANS' COURT DIVISION
VERIFICATION
I, Thomas E. Markin, Vice President of Allfirst Trust Company of Pennsylvania, N.A.,
Petitioner in the attached Petition, hereby verify that the facts recited are true and correct to the best
of my knowledge, information and belief. I make this verification subject to penalty for unsworn
falsification to authorities.
M'FESl. LA.u-rl1/E5S
ALLFIRST TRUST COMPANY OF PA., N.A.
~Ltf+J'))i "t ){tliiA<A
'ri us.l- A~,,,"c,qi..:JL
[CORPORATE SEAL]
12/15/2002 05;05
7177957473
SHIELDS
PA6E 04
In Re.
IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY, PENNSYLVANIA
Estate of CAROLYN G.
ZIMMERMAN, late of
Upper Allen Township
NO. )-./-07. - gru 2--
ORPHANS' COURT DIVISION
CONSENT AND JOINDER
I. Daniel T. Piseloneri, have read the attached PETITION, and am in agreement with its
contents and the representations made to your HONORABLE COURT therein.
IN WITNESS WHEREOF, intending to be legally bound hereby, and to bind my heirs,
executors, administnl1ors, and assigns, I hereunto affix my hand and seal the date set forth opposite
my signature below.
1)Qc=mb=F Ir;,. ;).60A
.
'S:2~/(e
(SEAL)
Date
DANIEL T. PISCIONERI
s.""'ri"'" "'" ~~ :~' ..she \\tu\':,\J .\joc)l,ce't,
a Notary Public, th1s lG- day of \)PCf'iYlYx: r ,A.D. 2002.
5l.l~ QJ.. 1 1) .?(i\~\l..t\ D,..\
Notary Public ~ (j
Notarial Seal
Shelley D. Pinckney, Notary Pub~c
Camp Hill Boro, Cumberland County
My Com~ission Expires Nov. 1, 2004
Member, Penn~ylvama Associat!i.j[, of Notaries
[NOTARY SEAL AND STAMp]
12/1&/2002 05:28
7177957473
SHIELDS
PAGE l!I2
InIW:
IN THE COURT OF COMMON PLBAS OF
~ND COONl'Y, PENNSYLVANIA
~of CAROLYNG.
ZJMI'vmRMAN.laleof
Upper Allen Township
NO, ;z./-02-g~Z-
OR?HANS' COURT DIVISION
CONSENT A.ND~
.' [.-
I, P8uI R. W....., Vice PruddelId tor .LeadlDa at ~ F1rIt Fedlnl Credit
Unlo!m, have read 1be AttachM PliunON, aad am in aareemem with its contents and ihe
repl~OIIS made to your HONORABLE COURT fbe.rcia.
"'.,{". :il; t
IN WITNESS WHEREOF, iJJWi~ifi'; _y.~ lItypriDciptl. lIS Successors, and
assigns, I hereunlOhaveaftVted my haud and sea! lhedl!te _fCl1h opposite my signatUre below.
SJ~~~,,~
Attest
:',:.,
MEMBERS FIRST FEDERAL CREDIT
'Th...". '.'
IV" . '.
~1'/1(.lvy /9,2(;()Z-
.
Dale
PIiIiI RoW....,
, " h fi'i'Lj,ij~'r:f
Subscribed and sworn to Izfore me, J/4fl1c~ .fIN' Rt 1:7:$ ~ AI .
I'
a Nolaly J?ublic. this
~
/'7kdayof" "'.be<i'-'~!'~A'.D.;2002,
Notary Public
;-' .?~ rr ;.;", );.' 'Jt:n:,. "~:!,'I't':,,.: .
. >. \ t<:.':;_.'" , ~'>' :' ";':.:"':,
Notarial Seal
Martin Ripson, r;lot~rj Publle ,
lower Alien Twp:, Cumberland Olul!ly .
My CommiSsion Expir&~ Jdrl47 ,.2004 I ~ .'
Member, -ennS~lfvajliaA...~OC!at Ct, 'atanes'; ";:
,~' i, -.1
,;" ";~AIRY SEAL AND STAMP)
l',';&.':':/~:\}~'; r~",,: "
1 n~r{JF:
.~.c ..),x~;;,), .;: ";:::'~'f,\l~'> ~,~,{J ~:K;}.r, '",'''If
I} "
1.,:,.0, z,l_, /(' i
, '.' I)'
, I
3liast 1l1li111 aub ill~gtam~nt
I, CAROLYN G. ZIMMERMAN, of the Borough of Lemoyne, County of
Cumberland, and State of Pennsylvania, make, publish and declare this to be my
Last Will and Testament, hereby revoking and making void any and all Wills by
me at any time heretofore made.
I. I direct the payment of my just debts and funeral expenses
as soon after my decease as may be convenient to my Executor hereinafter named.
II. I give, devise and bequeath my estate unto LEMOYNE TRUST
COMPANY, in trust, nevertheless, for the benefit of my daughter, KIMBERLY LYNN,
under the following conditions:
A. The Trustee shall invest the fund under the standard
of a prudent man and shall pay the income unto the person or persons
maintaining my daughter, during her minority, and when she shall have
attained responsible age, in the discretion of the Trustee, to her
personally;
B. In addition to such income, should it appear that such
payments, together with funds available to my daughter from other
sources is insufficient, the trustee, acting in its sole discretion,
shall distribute necessary amounts of principal for her maintenance and
education;
c. When my daughter attains age twenty-five (25), the Trustee
shall distribute to her one-half (1/2) the fund then remaining in trust,
and when she attains age thirty (30) shall distribute to her the balance.
D. Should my daughter die during the continuance of the
Trust, the fund shall be distributed to my mother, if she be then living,
and if not, to my brothers and sisters and the issue of any who may be
deceased, per stirpes.
Ill. I name, constitute and appoint BETTY WILLHITE and FREDERICK
T. WILLHITE, of Melbourne, Florida, to be the Guardians of the Person of my
daughter during her minority.
IV. I name, constitute and appoint LEMOYNE TRUST COMPANY, of
, ExAdi~)f
j Lemoyne, Pennsylvania, to be the Executor of this, my Will.
IN WITNESS WHEREOF, I have hereunto set my hand and seal this
-lSC-d.y O~)s, ~~ ~_ 196~.
0~,,~,,?, Q, ~""""''l''''''\\\^"'
(SEAL)
Signed, sealed, published and declared by the above named Testatrix,
CAROLYN G. ZIMMERMAN, as and for her Last Will and Testament, in the presence
of us, who at her request, in her presence, and in the presence of each other,
have hereunto subscribed our names as witnesses.
".'---
~ allfirst"
Allfirst Trust
213 Market Street
Harrisburg, PA 17101-2127
717255 2059 tel
October 10, 2002
Charles E. Shields, III, Esquire
6 Clouser Road
Mechanicsburg, P A 17055
Re: Estate of Carolyn Zimmerman
Dear Mr. Shields:
Enclosed please fmd your copy of the Residential Appraisal Report for the property located at 18
Nittany Drive, Mechanicsburg, P A which property is an asset of the above-mentioned Estate. Please
note that Tammy Sheaffer, of Bridge Street Realty, indicated a market value for this property at
$125,000.
In addition, as per our conversation today, you indicated that a representative from Members First
would be present the day of the public sale to be held on November 16, 2002 and should we have a
successful sale, we would ask them to join in on the Agreement of Sale. For information, I will be
meeting with the Trust Real Estate Committee on the 30th of this month to arrive at a reserve price
amount. Subsequently, I will inform you of that amount.
Sincerely,
~/);JJ
Ronald W. Howard
Vice President
RWH/lt
Enclosure
C: Tom Morkin, Vice President
~FT<'OI)7
.2
www.BridgeSlreetRealty.oom
42-28-2421.061 UAllonT
Pton.rtv D.a..'nt1on ,. UNIFORM RESIDENTIAL APPRAISAL REPORT FII. No. 09oo:l02K
Pron..tv Addr... 18 Nitlanv Drive CItv Mechanicsbur~ Stat. PA Zil Cod. 17055
Loa.1 D""",,I/(>n 800k 021 p""" 126 Counlv Cumberland
Asaesaofs perc.1 No. 42-28-2421-06'1 T.xY.er 2002 R.E. T....I 1620.11 Snocl.IAss...m.nts$ nla
Borrower nla Curr.nt Own.r Estale of Zimmerman Caro~ o;:;:;;;;ant:Ti{r Owner I I Tanant I 1 V.cant
Pron........hts.nnra~ed IXI F..Slmnla -n- L..s.hold T ProI.clTvn. I I PUD r COndomlnlumIHUDN"'onlv\ HO"'$ nla /Mo.
NAlnhborhood or Prolacl N.m. MI. Allen Heioht< Uan Reforeneo AT 'Co2 Census Tr.ct 0116
Sale PrIce 1 nla D.t. of S.1e nla Daoainllon .nd $ .mount of Io.n ch""'os/conce..lons to b. n.id bv _ none known
L.ndor/CU.nt ALLF1RSTTrustDivi.ion Addr... P.O. B01<2961 Harrisbur~ PA 17105
Annr.~ar Tammie K. SheaRer ~ Addra.. 1002 Brid.e Streel Suile 100 New Cumberland:"' P A 17070
Lotatlon f= Urb.n ~Suburban -0 Rur.1 Predominant slnt. family houalng _.nt land uoe % Land ua. chang.
Sulllup ~ Ov.r75% ~25-75% 0 Und.r25% occupancy f~E ~r On. family 50% 0 NollII<.1y 0 L1k.1y
Growth r.l. Repld IX)Slabla 0 Slow ~ Owner 95 Low New 2-4 f.mlly 10% (XJ In proc.s.
Prop.rty v.Iu.. Incr...lng ~(XJ Slable 0 Daclining '" T.n.nl _600 Hloh I~OO+l-i Mulll-famly 5% To: Residential
Dam.ndlsupply Shortage X 't1 baiInca Q 0VlI" ~ Jf; Vacant(06'll) ~ Pr.domln.nt Commorclal 10%
Mark.tlnollm. lJflder3mos. X:Hlmo.. I I Ov.r 5 mos. _1_"" 140 I 40. Industrial' 15%
Note: Race and the racial composition of the neighborhood are not .ppr$lsal facto....
Neighborhood boundaries and charaGterlstlcs: The ~i~hborhood is bounded bv the Pennsylvania Tumnike Routes IS & 114 in the center ofUoncr
Allen Townsbin southeasl of the Bor~'"", ~fMechanicsburg. -c
F.ctors th.l.ff.cl tho m.rk.t.bUily of the prop.rU.. in the n.lghborhood (proxlm~y to .mploym.nl.nd am.nIUa., .mploym.nt .I.bllity. .pp..1 to m.rkel, .tc.):
The .ubiect is located in an establi.hed residential nei.hborhood consi.tin~ nrimarilv of sin~le fiunilv one and two-storv detached homes.
EmDlovrnent cenler. in the ci1; ofHarrisbur~ are . 25 minute commute. Neiohborhood shonnin~_ narks schools and mosl .ervices are within a 10
minule drive. Emnlovrnenl stabilitv and ;;;;;;;,;;. to the markel are considered aver""e.
Market conditions In the subject neighborhood (Including support for the above conclusions related to the trend of property values, demand/supply, and marketing time
_ _ such as data on competiiiv8 properties for sale In the neighborhood, description of the prevalence of sales and financing concessions, etc.):
Consistent with other nehmborhoods in this areA homes in the subiect nei2hborhood have cxnP.rienced moderate Annreciation in recent vears.
Conventional. FHA and VA finaneina are readilv .vailable. with occasional .ale. concessions. futeresl rates remain f.vorable and h.ve recenllv
declined. Based on the averoae condilion of the .ublect a markeUna neriod of less than .ix months is nro1ected fur Ihe nronertv assumin~ .
Prolect Information for PUDa (If .ppUcabla) - -I. the d.v.loper/bulld.r In control of Ih. Hom. Own.rs' .....ocl.tlon (HO"')? U YES U NO
Approximate total number of units In the subject project nla Approximate total number of units for sale In the subject project nla
O.scrlb. common .lam.nt. .nd r.cre.tlon.1 f.cilltl.s: nI.
Dimension. .ee Ie"") descrintion Topogr.phy slooes uo from .Ireel
SIa ar.. .24 acres or 80 FF 1< 132~oer legal descriplion on deed" Com.r lot U V.. 1KI No SIz. tvDical fur area
Sp.cific zoning clo..lllcoUon onJ?d d..~cr,IPllon residential Sh.p. rectanllUlar
Zoning compli.nce IX) l.g.llagal noncon~ (Grandlalharad usa) U IDog.1 U No zoning Dr.in.g. anoear. adeouate
HIoh..t & b..1 use ..lmnroved: X Pr.senl use I I Oth.r u.. 'Avnlalnl View aver8lre
Utllltlaa PubUc Othat Off.alt. Improvements Typ. Public Prlv.l. I.andscapi1g tYPical
Electricity (XJ SIr..t macadam lXlx 0 Driveway Surloce asDhall
G.. ~ Curb/guller concrete (XJ P App.rent ....m.nt. none anoarenl
Water ~ SId.w.1I< concrele (XJ ~ FEMII Sp.cisl Flood H.zard Ar.. U Y.. lXI No
S.nltary sewar ~ SIr..t lights pole ~ ~ FEMII Zon. zone C M.p Dat. 8-4-88
Stormsaw.r X A"" none I I FEMAM.nNo. 420372
Comments (apparent adverse easements, encroachments, special assessments, slide areas, Illegal or legal nonconforming zoning, use, etc.): No aODarent adverse
easements or encroachments were noted or di.closed. "Tbe deed indicates the sile i. 80 FF 1< 132' or .24 acre. whereas the as.es.ment record
indicates Ihe .ite is 90 FF x 130' or .21 acres.
GENERAL DESCRIPTION ExTERIOR DESCRIPTION
No. of Units one Found.lIon concrele block
No. of SlorIa. one exterior W.II. brk. & alum.
Typ. (D.I....II.) detached Roof Surface asphalt sbinl!1e
D.slgn (Style) I storv GutterS & OWn.pt.. aluminium
Emtlng/Propo.~ exislin!! Window Type wood D. H.
Ag. (Yrs.) 40+1-~.old StormlScrasn. yes/ve.
Eftactlve Ane ^irs.1 10 M.nulactured Hous. no
ROOMS Fover LMnn Dinino K1lch.n
-
L.vell
L.v.12
FOUND...TlON
Slab none
OlN!Spsco 23%
Basement 77%
Sump Pump ve.
Damp.... some noled
Setuement none noted
InfestaUOn none noted
F.mlv Rm. Roc Rm.
B"'SEMENT
......Sq.Fl 1.176
% Fln~hed 0%
CeIUng wood loisl
W.I~ cone. block
RoOf concrete
Ou\slj. Enby ves
INSULATION
Roof
Calling
W.1Is
Floor
None
"*'-
o
B
o
o
(XJ
Dan
Bedrooms
# B.th.
Laund~
I
Other
Ar.. So_Fa.
1176
1528
I
I
I
3
2
FInished at.. above orad. conlalns: 7 Room.' 3 Bedroom .\: 2 B;tlll.,' 1 528 Souers F..t of Gross llvlno Ara.
INTERIOR MatarialslCondftlon HEATING KITCHEN EQUIP. ...TIIC ol.MENITIES C"'R STORAGE:
Floors camel/ave""", Typ. HWBB Refrigerator 0 Non. ~ Fraplaca(.)# _ 0 Non. 0
W.1Is drvwalVaver8lle Fu.1 oil Ranga/Ovan ~ Star. P.1Io @ Garage 'of ears
TrImIFiI~ olasticlav.....~ CondIIonavero~ DI.pos.1 _ Drop Slar Dack wood "'llaclled
www.BridgeSlreelRealty.com
42-28-242I-O~1 UAllenT
V luatlon ...-tlon .. UNIFORM RESIDENTIAL APPRAISAL REPORT Fila No. 0900202K
ESTIMATED SITE VALUE. .......................... = $ 33000 Comm.nts on CoslApproacH (such .s, sourc. 01 cost .stim.t.,
ESTIMATED REPRODUCTION COST.NEW OF IMPROVEMENTS: sit. valu.. squar.lool calcul.tlon and lor HUD, V A and F mHA, the
Dw.lllng 1,528 Sq. Ft. @$ 50.00 = $ 76,400 .stlm.t.d r.m.lnlng .conomlc'II'e 0' lh. prop.rty):
Bsml. 1176 Sq. Ft. @$ 15.00 = 17,640 CIlet estimates were obtained fiom the Marshall Valuation Service
Deck Porch = 5,000 and local oonlraclors. Ph""ibal denrecialion was eslimated usin~
~ ~ Sq. Ft. @$ 20.00 = 6,720 the economic a~e-life method asswnin~ an effective alle of 10 vears
Total Esllrneted Cost N.w - $ 105760 and an economic l.ife of 55 ~s.
~..s 55 Physical 'j F~n~j.;n;,j i . ~,"~i' - Est. R.malnlng E..,'n. Ufo: 45
llopfocIaliln $19037 I' , I. I = $ 19,037
D.preclated Valu. oflmprov.m.nts . . , . . . . . . . . . . . . . . .. = $ 86 723
......~.V.lu.oISlt.lmprov.m.nt.,.................. = $ 6500
IINDICATED VALUE BY COST APPROACH. . . . . . . . . .. = 1 126200
ITEM I SUBJECT COMPARABLE NO.1 COMPARABLE NO.2 COMPARABLE NO. 3
18 Niltany Drive 4 Andes Drive 128 Holly Drive 14 Andes Drive
==:~.TO_AAi ", ~w~~._...~,:i,,~. _laF~~~. ....
SalesPrIca ,nla ...' 124900 . .~' .", 129900 $135000
Pr1ce/Grosa LIv. Area S 0.00 III 1t94.62 Ill," $ 109.25 III ' " ".. $ 93.49 III
Data and/or inspection MLS and Public Recorda MLS and Public Records 'MLS and Public Records
Verification Sources owner Exterior insnection Exterior insnection I Exterior insoection
VAUJ:MlllSTIIENlS DESCRIPTION DESCRIPTION I +{.ll_ DESCRIPTION I ".'I~~ DESCRIPTION I ".11-
Salos or Financing FHA: -1,000 conventional: other : -1,000
Concessloll$ closed sale: closed sale' closed sale '
Dat. 01 S.Ie1TIm. 5/02: 4/02 : 4/02 :
location suburban similar I similar ' similar '
l.oesoIlotWea SiIIlIo fee simnle fee simnle: fee simnle: fee simnle :
SII. .24 acres or 80 FF. .25 acres : .27 acres : .25 acres :
View aver....e similar 'similar similar'
Daslon .nd Aoo.al I sl~/averRae . I storv/averaae: I storv/averaae: I sIOTV/avera!!e :
CUlatofCllnSWdilfl brlr. & alum/avo bricklav......e: brlr. & alwnlaw : brick/avera!!e:
Ac. 40 vears old similar ' similar ' similar
Condltkm averam: av~aPc : avera2C : I olV\li :
Above Grade ToIal'N1N' BIiIhI TotJI'Bcnna' S&IhI : TolaI'&stl1I' Ball.- : TottII;BcttnI' BiIlhI :
Room Counl I 6: 3: 2.00 7: 3: 2.00: 7: 3: 1.50' +1,000 7: 3: 1.50'
Gross L1vlno Ar.a 1528 So.Ft. I 320 So.Ft.: +3 100 1189 So.Ft.: +5 100 1444 So.Ft. :
Basemanl & Fi1Ished full basement full basement: full basement: full basemenl :
Rooms Below Grad. unfinished I room '-I 000 2 rooms ' -2 000 I room . ,
Functional UtlliN averal1c averaRe : aVeral!e : averaue :
HoallnoJCnollnn HWBB/none HWBBlnone: Heat PumolCA :. -2000 HWBB/CA :
EIIlcIsnt Iloms tvnica1 tvnica1 ' .tvnica1 ' Ivnicel
GeraneJCernnrl <'amOrt , carnort : I car ear~e : - Looo ~~rt
Porch, Pallo, Deck, porch, deck deck : covered patio: patio, sunporch
FieDlacels\. .te, no fireolace llirenlace ' -I 500 llirenlace ' -I 500 I firenlace
Fence Pool etc. DO 0001 fencelabov~ : -1 000 fence.. non} : -3 000 fence- non}
: :'
N.tAdI.llot.n . X - ; S 1400IillX - : S 3.400 _. X. : $
Adjustad SaIos PrIce
01 ComDareble 1 123 500 $ 126.500 ,. $
Comm.nts on Sal.s Comp.rlson (Including tho subj.cl proporty's compatibility 10 th. n.lghborhood, .Ie.): Dlie to&dedUaIe sales within the subiecfs
neiohborhood il was not necessarv 10 search j;':;';"'J one mile fur oomnarable sales or nest six months. All .ales were selected based on Iheir
similar desi~. alle aualilV. and nroxirnitv to the sub;ec1 . Gross livilll! area ad;ustmentll were made al the role of $15 ner sauare fuol for
differences over 100 SF. All Sllles were considered reliable and were lliven similar weiolrt in the v.llue oonclusion.
COMPARABLE NO.1
No sale during pasl twelve
months.
COMPARABLE NO.2
No sale during past twelve
months.
COMPARABt.E NO.3
No sale during pasl twelve
months.
ITEM SUBJECT
Dat., PrIca and D.ta No sale during
SoIIl:o for prior sales past twelve .
_ va.. of ......., months.
An.lysls 0' .ny currenlegr..m.nl 0' sale, option, or listing of th. subj.ct property .nd an.lys~ 01 .ny prior saIos 01 sublecland IlOD1palabIos wIIIIil one~.. oflhedata of appraisal:
The subiect is not currentlv lisled fur sale nor bas il sold dllriD~ the no.1 vear.
INDICATED VAlUE BY SALES COMPARISON APPROACH .....................................................$ 125000
INDICATED VALUE BY INCOME APPROACWI EsIimatedM""'.tRants 'n/a lMo.xGrossRontMuIklIer '';'~ =$ no
This appraisal Is mad. llQ 'asls' TI subjed 10 the IlIpIis. -.s, ilspocIIons or condlliJnslslad bebw 0 subJlflIo complollon per plens and spocIIIcellons.
Condli>ns 01 AppolBaI: The insneclion dale was 9/27/02 with the em.tlve dale of this renort as of 6/30/02 the date of death of the owner.
-2000
+1,000
+1.300
-1000
-2000
-1,000 .
-1500
-3000
9200
125 800
ADDENDUM
Ekxrower: n1a
ProoerlY Address: 1B Nmanv Drive
CI(y: Mechanlcabum
lender: AlLFIRST Trust
State: PA
File No.: 0900202K
Case No.: 42-2ll--2421-061UAlIenT
Zip: 17055
Additional Features
The bedroom/bathroom suite addition has a separate thermostat and zone for healing. There are three ceiling fans in the
kitchen and bedrooms/den. ,There is paneling wainscoling and plastic chair rail molding located in the living ronm and
dining room. There is a cer~mic tile floor & wainscoting in both bathrooms. There is a PVC rail located on covered fronl
porch. The furnace consists of 2 separale heating and cooling zones, one is for the original dwelling.
Conditions of Appraisal
Scope of the Limited & Restricted Appraisal Subject to USPAP Departure Provisions
This is a Summary Complete Appraisal Report intended to comply with the reporting standards set forth under
Standards Rule 2-2b of the Uniform Standards of Professional Appraisal Practice. As sych il represents only a
summary discussion of the data, reasoning, and analysis that were used in the appraisal process to develop the
Appraiser's opinion of value. The scope of the Appraisers Investigation, and the depth of discussion contained
in the report are specific to the needs of the Client, and for the stated purposes of the Client with regard to
potential mortgage collateral only. Supporting documentation that is not provided in the report is retained in the
Appraiser's files and or file memoranda, and it may be necessary 10 review this material in order to more fully
understand the data, reasoning, & analysis lliumrnarized in this report. The Appraiser will NOT be responsible
for any un-authorized use of this report, or of any of it's component parts. The Appraiser is NOT expert as to
matters of a legal, environmental, engineering, or mechanical nature. Rather the Appraiser's expertise is in
market analysis and valuation methods. Therefore, this report should not be confused with an expert
investigation of: legal or environmental issues, engineering matters, structural components, heatinQ & cooling
systems of components, plul'(lblng systems & components, electrical systems &' components, or of the
mechanical condition of any built-in appliances. lacking any evidence to the contrary, ALL structural,
mechanical, electrical, & plumbing systems, as well as any built-in appliances, have been ASSUMED to be fully
safe and serviceable opefa\ional condition for the purpose of this report. Additionally, in'the case of properties
which are nol served by or connected to public water and/or sewer systems: an /idequate & potable supply of on
site well water, and/or a fully operational on lot sepllC system have been ASSUMED herein. Lacking
information to the conlrary, it has been further ASSUMED that there are no adverse environmental conditions or
hazards either on the Subject's premises, or within it's vicinity which are of a nature which would adversely
impact the property's val!!e.
Borrower: rila
Pr~Address: 18 NiltanvDrive
City: MechanicsburR
lender: ALLFlRST Trust
FRONT VIEW OF
SUBJECT PROPERTY
REAR VIEW OF
SUBJECT PROPERTY
STREET SCENE
DIMENSION !-1ST ADDENDUM
Borrower: nla
Properly Address: 18 NiItany Drive
City: MecbaniCl\burR
er: ALLFlRST Trust
FHe No.: 09oo202K
Case No.: 42.:28.2421-ll61UAllenT
Slale: PA Zip: 17055
',i
GROSS BUILDING AREA (GBA) 2,704
GROSS LIVING AREA (GLA) 1,528
Araa(s) Aree %ofGaA
1Mlg 1,528 56.51
Levell 1,528 56.51
Level 2 -
Level 3 -
Other -
Basement 1,176 43.49
Garage -
Area Measurements Area Type
Measurements Faclllr Tlllal Level 1 Laval:/. Leve",3 Other Bernt. Garage
42.00 x 28.00 x -1 = 1.176.00 ~ ~ 0 8: X 0
22.00 x 16.00 x -1 = 352.00 0 8
x . x~ = 0 D
x x~ D 0'
x x~ B 0 0
x x~ ~. ~
x x~ = B
x x~ =
x x~ = D ~
x x~ = 0
x x~ = 0 0 ~.
x x~ = B 0 8
x x~ = 8
x x~ = 0
x x~ = 8 B B, 0
x x~ = 0
x x~ = 8 ~. 8 0
x x~ = B
x x~ 0 0
x x~ = 0 8 8
x x~ 0 0
x x~ = 0 0
x x~ 0 0 8, 0
x x~ = 0 0 0
x x~ = 0 0 0
x x~ 0 0 0 0
x x~ = 8 8 ~ ~
x "x_
x x~ = 0 0
x x~ = 0 D.
x x~ = ~ ~. ~ ~
x x~ =
x x~ =
x x~ = 0
x x~ = 0 0 0 0
x x_ = 0 0 8 0 0
x x_ = 0 0 0 0
x x_ = 8 B 0 8 0
x x_ = 0 8
x x_ = 0
x x~ = 0 B 8 8 B
x x_ = 0
x x_ = 0 0 0
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COMPARABLE PROPERTY PHOTO ADDENDUM
Borrower: Dh File No.,: 0900202K
Propenv Address: 18 NittaoyDrive Case No.: 42-28-2421./l6IUAlIenT
City: Mechanicsbur~ State: PA Zip: 17055
Lender: AILFlRST Trust
. ,
COMPARABLE SALE #1
4 Andes Drive
Upper Allen Township
COMPARABLE SALE #2
128 Holly Drive
Upper Allen Township
COMPARABLE SALE #3
14 Andes Drive
Upper Allen Township
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'f."rLorrl....aOll...iId"f".AlIMr.~ Sixty-Five (1'165)
BB'l'W1i1BN JJUlK E, 8ERTOtI!lTTl!l end EDNA 11. BERTOLIl'l'TE. his wJ.l'o..
oJ: the TOlo/n8hip oJ: Fair'vie.., Oounty oJ: York end
state of Pennsylvan.ia, parties of t~6 f'i.rst part) ,
Gruntor s ~
....t
OAROLYN G. ZIMMERMAN, Widow, or the Borough or
Lemayne, Oount:r of' CumberVlnd Bnd state of Fenns:;-r--
VAnia. ps.rty of' tho ~eeond. pert, . . . . . .~ ... ",
Grt/:nter'!
W1TN!!1SS1I1TH, tlu# I" ..".!d..~ti.".f SEVENtEEN THOUSAND F'IVE HUNDRED 'and
No/lOa.,. .... ,......... . ., ($17,500.00) 'D.II....,
i. A.nd pllj,j, tlus ":tC!dpt 'lbMn:Jof ishe7'ebv ttelcn.tJwlErf,l1ad, the arllrl. Q'P'rlfl.t,,'fS rW ll~l~bV C,"Ollf.
and ....~IIJI t. th.. '''!rJjgra"t.. . her heirs and liS signs, .
^LL th.t cert.ln lo~ Qr tract or lend situate in the Township of
tJllp,t All"~ ,Count1 _If Oumberl,en' and stete of fennayl1'en1.l1, mDra
pl~tibUl~fly ~oun4ed and deeeribed ae followe, to wit: :
BEGINNING at a point OQ the northern line of Nittany Drli~ at
tho weatern line or Lot No. 97 as shown On tho hereinnfter mentioned
1'lan..o1' Lol;s; then.ce along the L>o:t'thex'" line of aaid llittel1Y Drive
Sciuilll 64 degrees West 60 feet to e point: thence along tha ea..tar'n
line of Lot No. 95 on ..i4 Plan North 26 de~reee WeBt 132 ree~ to ~
point: thenoe n10ng landa now or J:ormerly Of Nt. AlIgn Corporatioh
North 64 degrees !iMt 60 feet VO e point: thence along tha '~eatern
line of Lot No. 97 on Daid Plan Souto 26 degree. E1ns t 1):< t'ee,t to
the place of 500IlrnIllG. .
BEING Lot' 110. 96, Plen or Sec:tion "P". Nt, Allen Heights, Baid
Flail being r..corded, in the liec:oriler 01' Deeds Office in' C","b..rls.nd
Cou.nty in Flah Booll: 14, Pege )0. '
!lAY-PiG tn.reon erected" brick rench duelling knOllO and n11r'lbered
lilt 18 Mthny' Drive"
BEI~ the ..me pre~iaes whi.h Mt. Allen Corporation by its deed
dated .anuery 16, 1964 ~nd raoorded in the Cumberlend County
Recorder's Office in Deed Book.<'I-(' , Fage /T~, g""nted end .on"a,...d
unto bh. Grantors herein.
Under and subj.c~ to the Building end Use neotrictioh9 end
1":lght. of Public: 'Utilities oreated by insb:rur.len.ts of I'rio1' record.
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42-28-2421-06 tUAllen'
file No. 0900202K
DEFINITION OF MARt<ET VALUE: The most probable price which a property should bring In a competitive and opan market
undar all conditions requisite to a fair sale, the buyer and seller, each acting prudently, knowledgeably and assuming the price is not
affected by undue stimulus, Implicit In this definition is the consummetion 01 e sele es of a specified dete and tha passing of titla from
seller to buyer under conditions whereby: (1) buyer and seller are typically motivated; (2) both parties ere well informad or well edvised.
and each acting in what he considers his own best Interest; (3) a reasonabla time is allowad lor exposure In the open market; (4) payment
Is made In terms of cash In U.S. dollars or in terms 01 financial arrangements comparable thereto; and (5) tha price represents the normal
consideration lor the property ,old uneffected by special or creative financing or seles concessions' gr~nted by enyone associeted with the
sele.
'Adjustments to the comparables must be made lor special or creative Iinancing or sales concessions. No adjustments ere nacessary lor
those costs which are normally paid by sellers as a result ollradition or law in a market area; these costs are readily idantlllable since the
seller pays these costs in virtuelly ell seles transections, S~eciel or creative financing adjustments cen he mede to the comparable property
by comparisons 10 financing terms offered by a third party institutional lender thai is not alraady Involved in the property or transaction. Any
adjustment should not be calculated on a mechanlcel dollar lor dollar cost of the financing or concession but the dollar amount of any
adjustment should epproximate the markers reection to the financing or concessions based on the AppraiWs jUdgment.
STATEMENT OF LIMITING CONDITIONS AND APPRAISER'S CER:TIFICATION
CONTINGENT AND LIMITING CONDITIONS:, The appraiser's certlllcation that appears in the appraisal report is subject to the
loIlowing conditions:
1, The appraiser will not be responsible lor metters of e legal nature that affect "'ther the property being appreised or the IItle 10 it. The
appraiser assumes that the tlIle is good and marketable and, therefore. will not render any opinions about the tille. The property is appraised
on Ille basis of it being under rasflDl"'ble ownersbip, I
2, The appraiser has provided a sketch in the appraisal report to show approximate dimensions 01 the Improvements and the sketch Is
Included only to asslsttha reader oltha raport in visualizing tha property and understanding tha appraisers determination 01 its size.
I
3. The appraiser has examined the available flood maps lItat are provided by the Federal Emergency Management Agency (or other data
sourcas) and has noted In the appraisal raport whether the subjact site is locetad in an identified Special Flood Hazard Area, Because the
appraiser is not a surveyor, he or she makes no guarantees, express or implied, regarding tills deterlllinatlon,
4. The appraiser will not give testimony or eppaar in court because he or she made an appraisal 01 the property in question, unless specific
I
arrangements to do so have been mads beforehand,
5, The appraiser has estimated the value 01 the land In the cost approach at its highest and best use and the improvements at their
contributory value. These separate valuallons of the land end improvements must not be used in conjunction with any other appraisal and
are invalid ~ they are so used. "
6. The appraiser has noted in the appraisel raport any edverse conditions (such as, needed repairs, depreciation, the presence 01 hazardous
wastes, toxic substances, etc, ) observed during the inspection 01 the subject property or that he or she beceme aware 01 during Ihe normal
research involved in performing the appraisal, Unless otherwise stated in tha appraisal report, the appraiser has no knowledge 01 any hidden
or unapparent conditions 01 the property or advarse envlronmentel condillons (including the presence of hazardous wastes, toxic
substances, etc, ) that would make the property more or less valuable, and has assumed Ihatthere are no such condillons and makes no
guarantees or warranties, express or implied, regarding the condition of the property, The appraiserwIU not be responSible lor any such
conditions that do exist or lor any engineering or testing that might be required to discov~r whether, such conditions exist. Because the
appraisar is not an expert in the Iield of environmental hazards, the appreisal report must not be considered es en environmenlal assessment
of the property. " '
"
7, Tha appraiser obtained Ihe Inlormatlon, estimates, and opinions that were expressed In the appraisel report from sources thet he or slIe
considers to be reliable and believes Ihem 10 be true and correcl. The appraiser does nol assume re,sponsibilily for the accuracy of such
items that_e Iumisllad by other parties.
6. Tha appraiser will not dl~close the contents of the appraisal report except as provided lor In the, Uniform Standards 01 Prolassional
Appraisal Preclice,
9. The appraiser has based his or her appraisal report and valuation conclusion lor an appraisal that IS subject to satlslactory completion,
repa~s, or alterations on the assumpllon that completion 01 the improvements will be performed in a workmanUke manner,
10, The appraiser must provide his or her prior written consent belore the lender/client specified In the appraisal report can distribute the
42-28-2421 -061 UAllen'
file No. 0900202K .
APPRAISERS CERTIFIOATION: The Appraiser certifies and agrees that:
1. I heve researched the subject market area and have selected a minimum olthrae recent sales of p~opertles most similar and proximata
to the subject property lor consideration in the sales comparison analysis and have made a doller adjusllnent when appropriate to reflect the
market reacl/on to those items 01 significant variation. II a significant item in a comparable property is superior to , or more favorable than,
the subjact property, I haVe made a negative adjustment to reduce the adjusted seles price 01 the comparable and, if a significant item in a
comparabla property is Inlerlor to, or less lavorable than the subject property, I hava madaa positive adjustment to increase Ihe adjusted
sales pries 01 the comparable,
2. I have taken Into consideration the factors that hava an Impact on value in my development 01 the estimate 01 markat value in the
appraisal report. I have not knowingly withheld any significant information from the appraisal report and I believe, to the best 01 my
knowledga, that aU s1aternanls and information In the appraisal report are true and correct.
3. I stated in the appraisal report only my own personal, unbiased, and prolassional analysis, opinions, and conclusions, which are subject
only to the contingent and limiting conditions specllled in this form.
4. I have no present or prospective Interest in the property that Is the subject to this report, and I heve no prasent or prospactive personal
interest or bias with respect to the participants in the transaction. I did not base, either parI/ally or completely, my analysis end/or the
estimate 01 market valua In the appraisal report on the race, color, religion, sex, handicap, familial status, or national origin 01 either the
prospective owners or occupants 01 the subject property or 01 the present owners or occupants of the propertias in the vicinity of the
subject property. '
5. I have no present or contemplated luture intarest in the subject property, and neither my current or future employment nor my
compensation for performing this appraisal is conllngant on the appraised value of the property.
6. I was not raquired to rapor! a pradetermined value or direction in valua thatlavors.the cause 01 the client or any related party,
the amount 01 the value estimate, the attainment 01 a specillc result, or tha occurrence 01 a subsequent event in order to receive my
compensation and/or employment lor perlormlng the appraisal. I did not base tha appraisal report on a requesled minimum valuation, a
apeclIic valuation, or the need to ap\rove a spaclIIc mortgage loan. '
7. I perlormed this appraisal in conlormlty with tha Unllorm Standards 01 Prolesslonal Appraisal Practice that were adoptad and
promulgated by the Appraisal Standards Board 01 The Appraisal Foundation end that were In place as oltha effective date 01 this appraisal,
with the excepl/on 01 the departure provision 01 those Standards, which does not apply. I acknowledge that an estimate of a reasonable
time lor exposure in the open markel is a condition in the definition 01 market value and the estimate I developed is consistent with the
marketing time noted in the ne!ghborhood section 01 this report, unless I have otherwise stated in the raconciIIallon section.
I
8. I have personally inspected the Interior and exterior areas 01 the subject property and the axtarior ofall proparties listed as comparables
In the appraisal report. Ilurther certify that I have noted any apparent or known adverse conditions In the subject Improvements, on the
subject site, or on any site within the immediate vicinity of the subject property of which I am aware and have made adjustmants lor these
adverse conditions in my analysis 01 the property value to the extentthetl had market evidence to support them. I have also commented
ebout the ellecl of the adverse condiIions on the markeIaIlIIIly of the subject property.
9. I personally prepared all conclusions and opinions about the real estate that were setlorth in the appraisal report. III relied on
significant prolessional assistance Irom any Individual or IndiViduals in the perlormance 01 the appraisal or the preparation 01 the appraisal
report, I hava named such individual(s) and disclosed the specific tasks perlormed by them In the reconciliation section 01 this appreisal
report. I certify that any individual so named is qualified to perlorm the tasks. I have not authorizad anyone to make a change to any item in
the report; therefore, if an unauth~ change Is made to the appraisal report, I wHl take no responsibility for it.
SUPERVISORY APPRAISER'S CERTIFICATION: lIa supervisory appraiser signed the appraisal report, he or sha certifies
and agrees that; I directly suparvise tha appralsar who prepared the appraisal report, have reviewed the appraisal report, agree with the
statements and conclusions 01 the eppraiser, agree to be bound by the appraise~s certifications numbered 4 through 7 above, and am taking
lull responsibility for lIle appraisal and the appraisal report.
ADDRESS OF PROPERTY APPRAISED: 18 Nittanv Drive. Mechanicsburl!. PA 17055
u
=( c-- A /YJ
SUPERVISORY APPRAISI;R (only if required)
~ //A 4.A . Y. (/'
.4/
APPRAISER:
APl'RAlSER QUALIFICATlONST.<MMIE K. SIIEAFFER
Edue.doo lolms Hopkins University, Baltimore, Maryland
MS, Rea) Estate, Invcstmat Portfolio Emphasis, 1999
Peoosyl..... State UBivORily, PenosylvaDia
BS, PubliePolicy, 1987
UccDALIICerta . Ileal Esta~ BwkcC8 Lic6lse - Pennsylnnia -.nd MarylaDd
. Goneral Appraiser's Cettificatioo, 1991
Ttltlmonv District of Columbia, Harrisburg. and Yark Bankruptcy Courts; I
Cumberland, Dauphin and York County Board of Assessment Appeals; ~d Harrisburg City Zoning
HearinB Boani :
PubUcatiou Trend Watch 1999, Study ofthc Washington D.C. and Baltimore commerc~J rea) estate markets with a
:lbcus on ofli~ industrial. rdail and hotel land uses. I
:ZOOO - PrescDt Brldee Street Realty, LLC, New Cumberland, PeaDl)'h'ania
MaDJIllhul Member
Founded a full~scrvice real estate brokerage. oonsulting. and appraisal firm serving the eight counties in
South Central Pennsylvania. p~ tnatketing strategies for complex intolne producing portfolios Qf
investment teal estate of various property types. Assist real prOperty owners with leaselbuy. sell, and
hold dccisioos. Roviow ..mmOl'<lialI.....lilr both I..... aod lessor. Prepare .... _ applBisals fur
condemnati.o, estate, di1ion:e, litigatioo, liquidatioo, morlgall'l financing, lIlIll tax assessment reduction
purposes. Reposition wasting assets, negotiale zoning _ ameodmon... i and maximize returns by
reducing operating expenses and increasing income fur property owners.
1998 In ZOllO ALLFIRST MORTGAGE COIlPORA nON B..lIni...., Md, Harrisburg & V.rk, PA
Alslatant Vice PresldeDt: Senior AnDralHr. Credit DtrislOD , ,
A~ed as an ioternal commercial real estate consultant for developing strat.,-Sies for maximizing both
existing and new rclation.sbips. Created aud p-esentcd commercial r~ estate underwriting and
credit analysis workshops for all commercial relatiooship officers. Pre~ed discounted cash flow
analyses ulilizina botb Excel and ARGUS for existing and proposed properties. Assisted
~Iationship Managers with credit analysis and underwriting of complex. commercial real eslatc
loans. Contacted scvCllll appralscrs for price and tumarou,nd time. Ptepated commmial and
resideJltialappraisals for iotemal bank use. Yark Sank Adopt~A-House project 1Wl00ger,
1990 to 1998 Tbc York ...~. slIbsldlaQ' of Firat Marylaad B..corp H.rrllburg ..d York, P A
Deoartme.t MaDu<< aDd Review Anoraisal omeer
Acted as Chief Appraiser and coordinated valuation oftbe entire commercial real estate portfolio for
\he aedit division and assisted. with the risk ratings fur loaD review. ; Developed an approved
appraiser list. Prepared engagement letters ,fiei' negotiating contract for services and reviewed
completed appraisals. tor FI:ll.REA Ilnd USP AP comp\ian~ for entire comlDercial real estate
portfolio. Assisted Relationship Managers with credit anIIlysis and ~ndcrwriting of comple"
commercial real estate loans. Contacled several .ppraisers for price and turnaround time. Prepared
and approved contractual cmpgement letter. Prepared commcJCial and.. residential appraisals fur
interoal bank: use.. Served as the York Bank: Adopt..A-House project manager.
1990 _ Preseot AfJUiated AppnJsen &: Co.sultaou, New Cumberla.d PenDsylvanla
Owner/ADDl'alac;1'
Prepored appnlissls fur this fun-service real _Ie trokaage, consult1n& and appraisalllrm.
1989-1990 Cltkorp Morl&.... T...._ r....yIanla
Staff Aonraiser ,Prepared URAR. appraisals and fidd reviews fur mortpp, financing to be packaged
sod sold in tbo secondary morIgaSO market.
1989-1991 RotlLmaD, SdlU.bert & Reed, RealtGrs@, Lemo)'lle, PeDo.ylvaala
Associate Broker
RepRseuted bpyuo and odkrs of reallXoperty. Prepared legally binding a___ of sale, lesses, and
DllIll<diog""""" Prepored llJlPDIisaIs lilrtbls fuD-servico real_ trokaaS"o cnnsnIting, and
appaisaJ firm.
..ifill_dona . Na~ Association ofRealtol'J. CCJM Caodidaw. ChicAgo. Illinois
ADDraisallll.ltJ.t.te Courses Real Estate Prinoiples - December 1989
Standards ofProCc8siooal Practice. Part A aDd B, February 1990
Capitatimtion Theory and Techniques. Part A and B. October 1990
Realdential V....tioo, Marnb 1991
Litigatiom Valuatioo, SqmIlber 1991
Basic Valuation ProcedllleS, F.brnaty 1993
Discounted Cub Flow Analysis, Marnb 1993
Ra.... Ratios, and R......bl....... 1994
Standards nfPrnt\:ssionall'Illcti.... Part B, Pecomber 1994
COlDIII8I'Oia1IR Appraisal Roviow, 1994
Standards ofProlilssional Practice, Part A, FebroaJy 1995
KAREN L. SCHOLL
QUALIFICATIONS
E~PI!RtENCE
JUly 2002-current
April 2000-June 2002
1980-1982
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Trained bank tellers for 30 d~y period, handled
customer transactions, balanced th'e ATM machIne and
restocked dally, sold various 'financlrllnvestments.
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Specialty Bakers !
Productlol'1 Coordinator
AUJWSAL
IbUtAl1bN
!'ti!al Estate tnstltute. Camo Hili. PA
US PAl> - i5 HourS June 2002
!'tellldentlal Sales Comparison Approach 30 Hours June 2002
Methanlcsburg Area High School Graduated 1975
'tbbettY Nbfll!ll Abl)tilllsed
sIngle Family Dwellings
Cohdomlnlums
tWo - Four Family UnIts
Multifamily Commercial ConversIon Units
r=iltfus
Giltages
lteSldentlal vacant Land and Building Lots
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CHARLES E. SHIELDS, III
A1TORNEY-AT-LAW
6 CWUSER ROAD
Comer ofTrindle and C/o""er Roads
MECHANICSBURG, PA 17055
GEORGEM.HOUCK Ii &131 2002- TELEPHONE (717) 766-0209
(1912-1991) FAX (717) 795-7473
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iii allflrst
Allfirst Trust
213 Market Street
Harrisburg, P A 17101-2127
717 255 2059
November 26, 2002
To: The Honorable Judge of the Cumberland County Orphans Court
and
Charles E. Shields, III, Esquire, Counsel for the Estate
Re: Estate of Carolyn Zimmerman
Please be advised that because of the insolvency of the above Estate, Allfirst Trust
Company of Pennsylvania, N.A., as Executor, decided in the best interest of the Estate, to
have a public auction for the real estate asset located at 18 Nittany Drive, Mechanicsburg,
PA.
Allfirst contacted Tammy Sheaffer, of Bridge Street Realty, to perform a real estate
appraisal for the property. Past performances with Ms. Sheaffer proved to be successful
in her valuations, therefore, we accepted her opinion of market value for the property and
felt that another outside appraisal was not necessary. For information, her market value
for the property was $125,000.
In addition, Allfirst decided that in selling this property at public sale, a reserve price was
pre-determined at $118,000. This amount was based on if the property would have been
listed with a local realtor, at a 7% brokers commission applied, and sold for the appraised
value, the net value would have been less than the reserve amount established. Also, a
public sale eliminates any buyer contingencies which would reflect on a net sale amount
should it have been listed with a local realtor.
Sincerely,
fPJ 0~
Ronald W. Howard
Vice President
RWH/rh
,-::::~"
bl;.'6,"-f €
Re..; cCWJ~^ G. Z"Mfl'\~I\I~\-k
~grttmtnt
COpy
/7
BETWEEN C/f U C-~ B 1<../ elL c;2.. . party of the first part. hereinafter referred to as Auctioneer.
AND J7JH 110 /2..K.-/,.J wi ALLr-/~S r 7XliST party of the second part. hereinafter referred to as Owner.
WHEREAS, party of the first part is a duly licensed Auctioneer in and for the Commonwealth of Pennsylvania; and
day of
{X:..-r
.200.;1.,.
MADE this
WHEREAS, Owner is vested with the legal title and/or custody to the following goods, wares, merchandise and real estate, a statement and/or
schedule of which is attached hereto and made a part hereof; and
WHEREAS, Owner has engaged the services of the Auctioneer to represent him in..sc;JJin~e aforementioned goods, wares merchandise and
real estate at public sale and auction to he held on the ...................J4;.... day of ...........JY..??....,........................, 2otlll.............1..,~OAt.. o'clock.
NOW, THEREFORE, WITNESSETH, that for and in consideration of the mutual covenants herein contained, it is agreed by and between the
parties as follows:
I. It is agreed hy the Owner of said property and the property shall be offered by the Auctioneer to the hest and highest hidder to the puhlic sale and
may be sold to any such bidder unless the Owner has placed a reserve bid on any articles or property offered for sale.
2. Owner of said property agrees to be responsible for any statements or sales recommendations that they may make with respect to said property
and in no event shall the Auctioneer be liable for any such statements or recommendations made on the part of the Owner.
3. Owner agrees not to interfere with the conduct of the sale in any way nor will he attempt to stop the sale or discontinue the same during its
progress without the consent of the Auctioneer.
4. Owner agrees to pay all expenses in connection with the holding of said sale including advertising of the same, the employment of clerks and
Auctioneer commissions or fees as may be submitted by the Auctioneer who shall be in charge of the sale.
5. Auctioneer shall receive as his commission or fee ......................).??.. % of the gross amount of the sale which fee shall be due and payable
at the conclusion of the sale and shall be paid from the proceeds thereof.
. IN WITNESS WHEREOF, the parties hereto have set their hands and seals on the day and year first above mentioned.
Witnessed by:
G~~
.^,'b~~~~
I Owner
(SEAL)
/i""FCt4f10ru
(SEAL)
(SEAL)
Owner
Real Estate Fee
/1--:2.. 0( l)
Iti)tbD
SCHEDULE OF PROPERTY TO BE SOLD
/( 6fJ 'PRt>Pt:J<.TY" ..5""hJevl- t-o reserVe.
'Re~o(\5;b:I,'~ otS""w,ff,j.5 bj ct....<.\-,'~Y\eer,
Fee if not sold
Auctioneer will be paid Real Estate Commission fee, if pro-
perty is sold to person/or persons that were last bidder day of
sale, meaning a negotiated sale.
Fee Per Hour/Per Persons
14
'0.6 b
Each
AuTO FE-~ I ..j<1D
The Owner hereby agrees that the sale was conducted in a satisfactory manner and that he has received a complete accounting from the clerks
who conducted the same and hereby discharge all parties connected to the same.
~,6,'f-r
\i
CONDITIONS OF SALE
THE CONDITIONS OF SALE of the real estate of CAROLYN G. ZIMMERMAN an
unremarried widow, deceased, late of the Township of Upper Allen, Cumberland County, ,
Pennsylvania, made on tIle premises by public auction this 16th day of November A.D. 2002, are as
follows, to wit:
1.
The highest bidder shall be declared by the Auctioneer to be the purchaser, except that the
seller reserves the right to reject all bids.
2.
The purchaser shall pay ten thousartd ($10,000.00) dollars of the purchase price in cash at
the time the property iSjstricken offto him. The balance of the purchase price shall be paid on or
before the 31st day of December, 2002 when Deed and possession will be delivered upon full
. payment ofthe same. TIME IS OF THE ESSENCE.
3.
Title to the real estate will he conveyed by Deed with Executor's Warranty of title, and the
title conveyed shall be good and marketable, free and clear of all encumbrances, and subject to
easements and rights of way of record or visible by onsite inspection. Taxes for the year 2002 shall
be pro-rated, using the fiscal years of the various anthorities as the basis, and the Pennsylvania Real
Estate Transfer Tax of one (I %) per cent shall be paid by the purchaser. The Seller will pay the
Local Real Estate Transfer Tax of Orte (l %) per cent.
4.
The property shall be sold in an "as is" condition.
4a.
Seller is not aware ofthc existence of any lead based paint on the premises. As required, a
lead based paint infofll\ational pamphlet is being provided herewith, the receipt whereof is hereby
aeknowledged. Existence of lead based paint is not a contingency of these terms and conditions.
There has been no radon testing done and no representations are being made with respect thereto.
~. 5.
q__ If the purchaser, or purchasers, fail to comply with the above terms, the amount paid on the
\ ay of sale shall be retained by the Seller as liquidated damages, and the Seller may proceed to make a
~ resale of the property, either at public or private sale.
e" 7l1"" -I-I'r/>/f 4/70( C(//)d/flcJ~ 5 01 .5"0-{'(.. ..I- ~ /?vrChalf:. rFti(
. 5"..(/ 4r ft... ,,~I 0'-1/ arc !:v!Jj'~ -t-fJ MA C</A fl"~A ;-l..()~ ,;q ~oI Qt.:Jpr,,\/~1 11'1
. - I, ALLFIRSTTRTJSTrO OFPA N A <::lI/Y'''''''''>> -N\
,
Under and subject to the Building and Use Restrictions and rights of Public Utilities created by
.. n instruments of prior record.
~)\~. I acknowledge that I have become the purchaser of the real estate described above, sold at /.
l\. ( Public Auction, as aforesaid, at the price of OMI,....c/r''''-!w4 /1.'1;5""',,( ""''''' - ~ Dollars, LX Itn( 'O'.~.
\'\t' and further agree to abide by the terms and conditions of said Sale as publicly announced. I
purchase money for the real estate described below, sold at Public Sale this 16th day of November,
2002 by ALLFlRST TRUST CO., OF PA, N.A., SUCCESSOR TO LEMOYNE TRUST COMPANY
of the Estate ofCAROljYN G. ZIMMERMAN.
ALLFIRST TRUST CO., OF PA, N.A., SUCCESSOR TO
LEMOYNE TRUST COMPANY
Executor of the Estate of CAROLYN G. ZIMMERMAN
By
VI~I!~ ~RsmUSTCO> OF PA
.
DESCRIPTION OF REAL ESTATE
ALL THAT CERTAIN lot or tract ofland situate in the Township of Upper
Allen, County of Cumberland and State of Pennsylvania, more particularly
bounde4 and described as follows, to wit:
BEGINNING at a point on the northern line of Nittany Drive at the western
line of Lot No. 97 as shown on the hereinafter mentioned Plan of Lots;
thence along the northern line of said Nittany Drive South 64 degrees West
80 feet to a point; thence along the eastern line of Lot No. 95 on said Plan
North 26 degrees West 132 feet to a point; thence along lands now or
formerly of Mt. Allen Corporation North 64 degrees east 80 feet to a point;
thence along the Western line of Lot No. 97 on said Plan South 26 degrees
East 132 feet to the place of the BEGINNING.
BEING Lot No. 96, Plan of Section "F," Mt. Allen Heights, said Plan being
recorded in the Recorder of Deeds Office in Cumberland County in Plan Book
14, Page 30.
HAVING thereon erected a brick ranch dwelling known and numbered as 18
Nittany Drive.
BEING the same premises which Jack E. Bertolette and Edna M. Bertolette
by their deed dated April 15, 1965 and recorded in the Cumberalnd County
Recorder's Office in Deed Book 21-0, Page 126, granted and conveyed unto
Carolyn G. Zimmerman, now deceased.
WITNESS my hand and seal this 16th day of November
.2002.
0-
(SEAL)
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1,1:I':n 11;; S1' Il I C'I' ION:; fOil lIT. ALU:N HEIGHTS
l' 1\ :~T A.
llilllJlJ>/(; All!1 U:,,; 1,,;S'fRIC'r!ON:; ,\)lOl!H;I) ill' WI', ALLI,f,/ CORPOI(ATI()~ ot'
U:M(lvm., I'l';",~YI.\'.I'IlA, A'i OIlM.;j;S, APPLYING TO TfO; 1.0T5 HI C\IHl!>ilt"
l~'/fl COl'N1'V, FE'I'JSYL\'A'I1,~, "nnlill 011 TilE PLAN ()f' SEe'flON 1', "HT,
AI.UtI '1i:l(;IlT~)," .sun 1'LlI; 1I,;I"1C; lU;CORllf,:1l HI 1'111-: ClIlIUERLAN'\) C01H1l'Y
IO;Cfll,!'f:!; Ie. OrI'TcE.
PAIlT II,. AilE.... OF .\I'l'f,JC'TION
1i.I, FULI.Y l'I;Ol'l,Cn;n I(E~;r')f:'i'rrAL ,HE,I,
fI,e Tt~i(":ntl.l art'a covena~l6 in J'ilrt C ir, ttleir ~ntirety ~hall
~1'"ly te: "II'\'. Al.LUI llElr;II'I'~: ~ St:CTION 1',"
\\':T C. Rt:S]lIJ':';T IAL ARE,\ [OrCfIANl'S
C~l. LA'.']) lJr)t: },ND IIUJf.I)1'1oIG TYf'l'~. HI.} lnt ~lh.lll1 bo IIsud except fOt"
f'e~idont:1:l1 1,urfl()3{':~~ Ho butldJt'\.I~ $hall tift e1~ected. altttr-odJ
IJlaCt:,J, 01. i'Cl'fdtti'~I' to r'I:UI\\.ln 0\1 i!lOY lClt othtlr than one oetllch\\d
.1"gl..r.filly ,l"etli\'l~ not to exc.ed tlfO .."d one-half $toriae hI
hui~ht anll d privat~ ~tt~{:ho~ Garnre fOi' not ~or~ than two cars.
c-:!. ARCI/IT,r;Ttll<,\!, co's OWL. Nf) buil,iio(;' shall be el'octed, placed,
Or ~lter~d On any lot \intil the CDI\8tru~tion plans and .peciric.tionl
and" plan oh""ing the lncat! 00 or the 81 r"clllrD ha." b...n approved
by th" archit..cj'Jral (;ont,"ol COMI'littoa no to qualHy of ...~rlt:llao.hip
and mt\te~"iA.ls) harrllony Df tx.let-'l"Itll deljjgu lIith tfxi~t1"g ,tructl.lrt':"
."d .. to l"catlon ~ith r..poct to topography and finish grado
elovation. No r_nc_ or "all .h.ll be erectad, pl.c..~ or altered On
any 10\ naarer to any .tr.at than the mInimum bllilding .etbaok lin8
u"l... .Imilnrly approved, ApproYal .ha1l be as provided In rart G,
,
C-J. IhjU.L[~G cnsr, Q'IJ.\L.!TY ,INIl Sll~;. No dwelling shall be p.r~
",lIto,\ on lny lot at a co.\ of 10'" than !no,ooo.OO b..ed upon cost
lovol. prov.lljn~ nn .ho d.tQ '"o.e cD..nant. ar. r.corded, it being
\)\0 lnt.l\tlon _Il~ pl~rposo Qf tile ~OV9n~nt to AS51tr, that al\ dH~11inK.
$holl be of " qu.lity of wDrk~.n.hlp ~nd matarial' .ub.tB"ti.11r the
.."'. Of butter than th.t whlch eftn bu pro~u..d On tho date Ih...
<av.n."tH nr. recordod at tho .inlmu. cDst .t.ted horein fur the
Hd 11 ~ "JU: ?! r r.'Ii t t tt d elLt 0 t tin" ~ i 1. 0 , Tho f t' 0 II "ri f 1 0 I} r a r 0 !\ 0 f t h <<I me. 1 n
~trl~ctur~1 ~xclusi~e of Oll~-story opeh porches and gAraGe~v ahall
h. <lot 10" th_n 1,000 "I"al'll fott for a ona~~tOty d\(I'lHn)(, lInr
11&. tha~ 750 squaro rnet for a duelling DfmDre than One story.
'i\':
;"
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; ~
C-,t. HlIIl,\lING LOC^TION. Nt' building nhal1 be located DYI ,,"v ,,,.
1'_:
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f':'.~i~,E 11
~!
BOOK H;:? fACf :)0
r./i, f.^~I>Il;Wr5. E~'~mon~~ for installation UI<.\ moint.'Urlee of
utllltl.. .nd dr.lnngo raLlliliej ar. reoerved e. .huwn on the
r~cord~d 11\.\ .ll~ over tllc ro~r tey~ feet of ~ach lot.
C-1~ wtJ1S~~(:E~. No naXiollS nt' orrcrl~ive activity 5tl~11 be car'ried
on l~pOll any lot. n(>r allall ~nythillK be don~ tho roo" nt\ich may be or
~ay \lecume an unnoyancG or nul~Ance to the neighborllood.
11
G-.B. Tl';\II'OHAI~Y S'T1tIlCTl1l(F,S, No ~h'uctur. of a te!1\porary Gharacter,
tr~ilcl', La~e~8nt. ,tent. ~hack, ~DragcJ bArn, or other outbui1,dil\g
,holl ~e uI.d on any lot et ony time a. a resid.nce either temporari17
ur per,,,,,,ncrltly+'
I
~.U. SIGNS. No .iBn of any kind ehall b. displayed to th. public
"ey on any lot oxcept one praf.80ionol sign of nol more than one
,quare foot, one .iRO of oot more th.n five oqu&ra fe.t a~v~rti.ing
lh. property far ..1e or rent, ar oien. u.ed by a builder to adver.
ti.. the properly durinC the construction and .al.. period.
1;.10. \1IL ANn HIllllJI; OPf.IIATlON5. 110 all drilling, <li1 development
opor.tlon., 011 refininR, quarrying or mining operations of any kind
.hal1 be permitted upon or In any lot, nor .hall oil well.) tauko,
tunnol., mineral .xc.yation. or Ih.rto ~. permitted upon nr in any
Lo'~ No d~t'rick Ot oth~r 3tructuro de,icned for UBe in bOrnlng for
011 or natural ea. 6h~11 be '.reated, maint.ioed or permitted upon
i\liY lot.
:!
';-11. UVf,~TOCl( Hnl PO\ll;I'RV, No anhalo, livestnck, or poultry
or ony kInd .hall b. ra!9~d, hAd or k~pt on uny lot, oxcapt that
,'or:,>, ca\~t O'X"' othel'" hQllSf}nolr) )'}(1\::' may be l\ept providad -that they
AI" n~t k~pt, bred, or rnaintain~d fo~ ~ny commercial purpose.
CoP. GAHliAGF. AlJl1 Rf,fllSF: nl:\P{JS~L. No lot .h.dl b. ,...,\ 0" IIIoilllt'
1.ln.6 '$ S ~ulllping ground for ru~bl.h. rrash, garbage or othar
wa.te 911ftll not lle IC4pt eXc6pt in &8nitary ~ontainer.. All Jncin-
~r~tol'$ or uther eqllip~ent for th~ 9tora~e or di~posal of &IJch
mater!"l ,flail be kept it, u clean and ,anithry conditiOn.
\
C-13. SI/;IIT i'I.<;'j,,\'NO; AT nJTI',HSF,CTJON5, No fene". "all, hedge or
shrllh pll1ntinr. which o0struc't, s1i:ht lJ.nc" at nlevittions butweel\ 2
and 6 r..t .Lave the road~.lP shall be placed or permitted to ro.ain
()n ~ny Cot'n.r lot withi~ th~ triangular arna formed by the ~treet
lJropcrty line~ anl1 B lino ~onncctlnc l~vm at points 25 f~.t fro~ th_
Intcrlfctiun nfth~ .truot linee, or in the ca.e of a rounded propert,
~Orn8r fro~ thB il~tcr~~ction of the ~trnet property lin~a e~'~nde~.
The ..m. ,I~ht lln. 11~it"tlon" ,h.ll apply on any lot vlthin 10 (6et
["rom tll" intersection of $I. 'Stl~$ot pl'opeot"'ty' 11nu "~th 'thlf'; <<dg(l 0(' a.
drIveway or alloy pavement. N. tree "hall be permlttad to romain
)oil thin BllCh diflta.nco. ..r tillCh Inter~ection;ot unlt'l8":J the foliage 1in.'
is m~intalned at Bufficient heicht to preV0"t obstruction of Nuch
~1Rht line:J.
.lli,
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11>1 -. ',:I-II.1r 1 r I' ,:~b':, 'i-F'~~I'...
F-'pl:k': (1::
".
\
~Qmntttc4 nor its de.i~n~te~ reprcsctltntiv~ ~hal1 be entitled to
a.i, cOMpen..tIOI\ fur service. porrol'''",d pursuant 10 thi. COVOfilltlt.
At any time, tho thon r~cor~ Dwner~ of . majority of the lat. .h.ll
hove tho paver Ihrough a duly r.cordod vritten instru~ent to eh.ng.
lhe ..mhershlp of tho oommltt.o Dr to withdr.w frum the oo.~i't..
or r..tore to it any of it~ pG~Or8 and du\iQft.
p.,.. r~OCf;J1l1l(f;. Th. COl'lmittee" approval or dl..pprov.l AI requl.nd
in IheSe covcnant3 shall be In ~rltihe. In the event the CDM~itte..
or It. dt.1Goal$d ropre.ent~tiva. rail. to approve or dleapprove
within 30 da,e after pIano and 'paclficationo have been .ubmltted
to ii, or in any nv_nt. If no .uit to enjoin the construction h.~
b.en comm.nced prior to the co~pl~tiDn thoreot, ~pprov&l vill not
be requ~.d and tho rcl.t~d covenant. .h.ll ba d'ft~ed to hava haan
tully complled .t! tho
PART t. GfNgkAL rRnV!510H~
R.I. T~RH. Ttase cDv*nanta are to rUn with the land and ahall b,
blndin~ on all parties and all p.r.nn~ alai!1\ing under th.. for a
period of twanty-five ,..r. from tho Jat. these covenant. ara re_
corded, after 'fhich time .aid cov~n.nts '11.11 be auto~~ticall, ex.
t~n~od f~r succe~51v~ p~rio('s of' ten yaars unless .n inltru~.nt .1,n.d
by a ~.jorit, of tht thon owner. of the Jato h.. been r~corn.d,
AKreein~ to chane" ~ftid covsnant. in whol~ or in p~rt.
\-,.2. F;Nf'(Jj/Cf.HIi:H"l', EnCo..c.,,,e,,t ah..\l tHI b:f proceeding. at l.w or
in equit, aRHin.1 any person or peroens violatinR or ~tt.Mpting
In violat. any covenant .ith~r tn ra.train violation or to recover
d...flIPlilJ"
~.3. SBV~RADILJTY. Invalidation of any OMe oC the"" Covftn~nta
by judgment or cDurt arler .h~11 in n8 .i.. .ffect e~, of the other
prOVision. ~hlch .hall re~ein in full force and eff'ot.
~Ckf~tz~)ftf~)n~_~_.__
. r="'ecretr.ry
Ifl'. AI'LEII. C.ORI'OnATXOll J'
.~) ~:S
....... ...,;_. '5'". /"...
II,' '1'( ,/ / <.'-;' .' ",,"-I...Y')-"V':_-<z...cA....j
-------- 'pNiiITiiir
STArE or 'f;NNSYLVA~IA )
I SS,
COUN'rr OF C UHIII':J<f.HIIl I
lIefore me, a not"~y public in and for the Stet. and County
.rora.aid, par&o".lly ,ppearad R. E. Bowm.n, k.own to me personally,
who, being duly 8~Dr" according to law, depoa.. and .ny) that he i.
Pre.ldenl of Ht. Allen Cn~por.liou, the company which signed the
foregoing ,totomentl 1h.t h. I. the proper officer or p~r"on duly
authDrll.d by lhe DOArd of Director. to eign the Coregaln~ etate.ent,
"nd to m.k. thi. affidavit for or on bohalf af said cDMpany, and
that it i. .0 llIadel and that H10 f.l,ts .et fOl"th in thr foregoinc
.t.teNont ~r' true and correct.
,.
~Uf)~lIJ ......-t......llnJlr.,.j had
....\~
..... ./~.
.::zJ:..t _jo::S'.....'!?:7. ~l~...t..\_./
. Ii. I. Ilov,..."
.'.1,.1.. "...._..1
_'U'_oI.'_
(Ie:! --I)_iUt It, ~;b;::, \\.'.-\;..1
Fr-,\]E U\.\
,....!\11.~"'.!Jr,'....,.'.."t',>' .~
::' !~' ':t\ ~,<";1':rr:-. :.--'-~. .-.'
r t, 1'~ '.' ~I ~ 1-. '. '
, 'i' ,t~:'~1i?,'~'i~:: 'i"T"!.:'\
,,.. ,
"
.. .'1
Am;~mIIEN1' 01' nEl::n I:B~;'l'lIrcT1011 f'Oll
H1'. ALl.EN IlFlnll'rS. PLAN OF ~KC'rr(\H F
NH~IIEAS. c~rt"in building ~nd u,e reotriciion. for
lit. A nen Height" - I'hn of ~'CtiOI\ F. hav& boon adopt.d and
r.~onled in tlH CUllIherland Cour,ty Uocord$r' e Office in
Hilc..l1"I''OOU$ Hook &2.. I'ago .1[1'..., end
WH~HCAS, it is th~ 6e3iro of th_ un6arBicned b~ing the
Ul,noro of nll th~ 10te oontained in 5Qid Plan of ~ection F
thet Part C,5 Gontained in the aCoro,aid recorded ro.tri~tinn'
shoji not apply to Lois Uns. 67, 68, 69. 70, 80 and 81 as .hown
in said Plan of S.ction r. Said Port C-5 of "aid recnided
ro.triotiona r6ads as fol1oV9J
"G-5. LO'l' AI~I':A ANll HInTII. No d...l1ing .hllll be
ergctod or placed On any lot havinG a vidth
of less tha~ 80 foet at the minimum building
.atback line, nor .hall any dwelling be
erected or plao$d On ~ny lot having an area
of lelD th~n lC),500 equar@ feet,"
NOW, THER~fOR~, in conlideration of $1,00 Rnd other
good and valueblecDn.ictorution, tho undor.ignnd hereby agree
>0'
,.:
thai tho arore.aid 'art C-5 shall not apply to tho aforo.aid
1 Dt It.
".als
IN WITNBS~ WHEREOF, we have horeunto .et our hand.
thl. --,-..Ls.~,~_ de, of ___j~'-t-,.JJ;:-;...(..!~________, 1063.
,
atld
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HT. .IULN SORI'OkAnON
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}(;i-. . ,u,.'d c n~ , ,~,
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,..- :l}.y x"ude,fi'$"KY ~._._~_.I
/'./ /.' _'>,,' i'--.
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,I
iii allfirst
AlIHrst Trust
8 West High Street
Carlisle, PA 17013-2922
7172406709
November 6, 2002
Donegal Companies
C/O Woolf/Strite Assoc.
2929 Gettysburg Rd., Suite 8
Camp Hill, P A 17011
NOTICE OF PUBLIC AUCTION
Re: Estate of Carolyn G. Zimmerman
Your Policy #PAE0558710
Ladies and Gentlemen:
Please be advised that A11first Trust Company of Pennsylvania, N.A. as Executor of the Estate of
Carolyn G. Zimmerman will be conducting a sale of the estate assets by means of a public
auction at 9:30 A.M. on November 16, 2002 at 18 Nittany Drive, Mechanicsburg, PA. The
assets being auctioned will include the residence property, automobile and household contents,
which constitute almost all of the probate estate.
At this time it appears that there will not be sufficient assets to satisfy the creditors of the estate.
The purpose of this notice is to give you the opportunity to attend the auction and protect any
interest that you may have in the estate.
If you have any questions, please feel free to contact the undersigned at 1~800-432-7994.
Sincerely,
Thomas E. Morkin
Vice President
TEMlgek
cc: Charles E. Shields, ill, Esquire
CERTIFIED MAIL: #7002 0860 0000 1075 6233
AFT"Z009
pt..'h,'ff/
~
V'
DEe ~002
InRe:
IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY, PENNSYLVANIA
Estate of CAROLYN G.
ZIMMERMAN, late of
Upper Allen Township
NO. -:L{-O~-?bu
ORPHANS' COURT DIVISION
ORDER
j
AND NOW, this 1.,} day of ~. ,2002, after consideration of
the PETITION FOR COURT APPROVAL OF AUCTION SALE OF REAL ESTATE
WHERE ESTATE IS INSOLVENT AND THERE ARE INSUFFICIENT FUNDS TO
PAY ESTATE ADMINISTRATION EXPENSES AND TO FULLY SATISFY THE
HOLDER OF THE FIRST MORTGAGE, it is hereby ORDERED and DECREED as
follows (per authority under PEF Code Sections 711(1)(4)(16); 712(3) (including matters not
enumerated); 721(1);3353:
(a) The real property of the Estate of Carolyn G. Zimmerman, deceased, located at 18 Nittany
Drive, Mechanicsburg (Upper Allen Township), Cumberland County, Pennsylvania, shall be sold
upon those terms and conditions more fully set forth in that >::ertain auction contract dated
November 16, 2002, by and between the said Estate and Daniel T. Piscioneri, (for a price of one
hundred two thousand and nollOO [$102,000.(0) dollars, the usual common law standards as to
assignability to apply.)
(b) The sale and conveyance shall be considered to be a judicial sale and as such, shall
be free and clear of all liens excepting those certain mortgages held by Members First, the primary
lienholder.
(c) Members First shall mark or cause to be marked the Mortgages upon the said
property satisfied in full.
(d) Members First, Executor, Allfirst, and Counsel, Charles E. Shields, Ill, shall adhere
to and carry out the terms of their agreement
(e) All first shall file a formal accounting for approval at the end of the Estate
administration.
(f) Allfirst shall prepare, sign, seal, and deliver a good and sufficient deed with a
fiduciary warranty to the said Daniel T. Piscioneri or his assigns, as the case may be, upon the said
purchaser's full performance of the terms and conditions of that certain aforesaid auction contract
BY THE COURT,
PJ.
ot
/
STATUS REPORT UNDER RULE 6.12
Name of Decedent: ('___R RO J.-.. '1' N G Zl m rn t:t2-YVl A /lJ
Date of Death: JCA~ ;;"0 , ~CO'J.....
I
Will No. O?OO.;2.- CX::Y;>ff,d- Admin. No. ;:).1<);) -055b~
Pursuant to Rule 6.12 of the Supreme Court Orphans'
Court Rules, I report the following with respect to completion of
the administration of the above-captioned estate:
1.
Stat~yhether administration of the estate is complete:
Yes~ No
2. If the answer is No, state when the personal
representative reasonably believes that the administration will be
complete:
3. If the answer to No. 1 is Yes, state the following:
a. Did the personal representative file a final
account with the Court? Yes )( No .
b. The separate Orphans' Court No. (if any) for
the personal representative's account is:
c. Did the personal representative state an
account informally to the parties in interest? Yes NO)(
d. Copies of receipts, releases, joinders and
approvals of formal or informal accounts may be filed with the
Cerk of the Orphans' Court and may be attached to this reQ9rt. ~~nn~M
/>1""MA.~'lVI1CS1GS .(J~O -rno.oMS /;4Us?" LUI'''r,v'~ I
'.1rt..lCU&S:O/L--ro /9LA....4"'/I-<$, -r~T COYnp,oN'f, iCX€CU--o~
Date: sll'-(/o'( f?, '-t: L!f7S? c:::772..Z. 1///
/ , Signature
77-1oYnos €. {??OI2--KIN
Name (Pleas~ t~e or print)
/ '-'U. /Y 16/-( S)
J;:) 0 t3 I? X' ;2. b2.. 0
Address
Ch
':)
""
""
p
., r ~
~v
(7/7) P-l(O, ~..sO f!
Tel. No.
Capacity: ~ Personal Representative
~
~
,.;:
Counsel for personal
representative
(MAH:rmf/AM3)