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Home My WebLink About08-13-10 (4)APPRAISAL OF REAL PROPERTY LOCATED AT: 805 Fairfield Street Monroe Township, Cumberland County Mechanicsburg, PA 17055 FOR: ESTAIE_OF MARtE,E:.~;: Go Richarcl C. Snelbaker, Esquire 44 W. Main Street, PO Box 318 Mechanicsburg, PA 17055 AS OF: November 13, 2009""" BY: Karen Damey, PA State Certfied General Real Estate Appraiser RSR Appraisers 8 Analysts 3 Lemoyne Drive, Suite 100 Lemoyne, PA 17043 L.G. Connor Real Estate Appraisers Farm GA2 - •WinTOTAL° appraisal software by a b made, inc. -1-800-ALAMODE January 15, 2010 Snelbaker ~ Brenneman, P.C. Attn: Richard C. Snelbaker, Esquire 44 W. Main Street PO Box 318 Mechanicsburg, PA 17055 RE: 805 Fairfield Street, Mechanicsburg, PA 17055 Dear Dick: Pursuant to your request, I have prepared a Summary Report for the property captioned in the "Summary of Salient Features" which follows. The accompanying report is based on a site inspection of improvements, investigation of the subject neighborhood area of influence, and review of sales, cost and income data for similar properties. This appraisal has been made with particular attention paid to the applicable value influencing economic conditions and has been processed in accordance with nationally recognized appraisal guidelines. The value conclusions stated herein are as of the date as stated in the body of the appraisal and contingent upon the certifications and limiting conditions attached. Please do not hesitate to contact me if I can be of additional service to you. Respectfully, Karen Darney Pennsylvania State Certified General Real state Appraiser GA001260L form DCVR - "WInTOTAL' appraisal software 6y a la mode, Inc. -1-800-ALAMODE Gribble Estate i~LQ>~cdntlon UNIFORM RESIDENTIAL APPRAISAL REPORT RIeNo 09-124 KD o... .a. ~~a en ~ ~~ ~ num wa vva , cn uc~~ vu ccl G- Mechanicsbur fate PA Ti Code 17055 Descd o Deed Book R14, Pape 365 oun Cumberland ' sessor s Parcel No. 22-24-0783-076 Part o Tax Year 2009 R.E. Taxes 966.88 S es None Borrower NA Current Owner Gribble Ohio & Marie E. ccu er Tenant Vacant P e rf sed Fee Sim le Leasehold Project T e PUD Condominium HU A onl H A NA o ' , orhood or Pro ect Name Point Comfort !Monroe Tw . Ma Reference ADC 3116 G7 Census Tract 25420.0117 00 . Price NA Date of Sale NA Descd don and a nt of loan c one he s NA Lender fiend Richard C. Snelbaker E uire Address 44 W. Main Street. Mechanicsbur PA 17055 ser Karen Darne Cert Gen'I R E A raiser Address 3 Lemo a Drive Suite 100 Le mo ne PA 17043 Location Urban Suburban Rural Bultt up ^ Over 75% ~ 25-75% ^ Under 25% Predominar8 ~uPa~Y Single ity ng PRICE AGE present lendtroe76 Lend usedrange Growth rate ^ Ra id ~ St bl ^ Sl ® $(000) (yrs) One fanrily 80 ®Not likely ^ Ukely p a e ow Owner 70 Low 10 2-4 family 7 ^ In process Property values ^ Increasing ~ Stable ^ Declining ^ Tenant 350+ Hi h 110+ Mufti-family 3 To: Demandlsupply Shortage ~ In balance ^ Over supply ®Vacant (0-5%) Predom(nant ~~ r Commercial 10 arkeUn time Under 3 mos. 3-6 mos. Over 6 mos. Vac: aver 5% 120-130 80+ Moto: Raoo antl the raalal composition of the neighborhood are not appnlsal factors. Neighborhood boundaries and characteristics: Located in the far northeast comer of Monroe Townshi within the first block immediate west of the Mechanicsbu boron h line. Immediate nei hborhood is rfmaril residential in nature. Factors that affect the marketability of the properties in the neighborhood (proximity to empoyment and amenities, employment stabifdy, appeal to rrrarket, etc.): Schools sho in em to ent recreation and houses of vvorshi are all within a 15-30 minute drivin time of the sub'ect ro . Avers e ro maintenance rams were observed. Em to meni stabili is Dori due to the State Ca itai in Harrisbu the Arm Su De in New Cumberland and the Naval Su De tin Mechanicsbu . Stea rice increases and MLS statistics show a Dori demand for the area. Rt. 641 aka Main Street of Mechanicsbur is one block north. Commercial and li ht industrial uses abn Rt. 641 are common for the area and should not affect marketabili .The elements school and hi h school are within welkin distance which is a lin . Market canditlons In the subject neighborhood (including support for the above conclusions related to the Vend of property values, demanrYsuppry, and marketing time --such as da4 on competitive properties for sale in the neighborhood, description of the pmvalence of sales and financing concessions, etc.): Conn tax records and MLS statistics show vices to lee stable. The MLS shows that the ical marketin time for the area is 3-6 months. Mo a e funds are readil available wkh conventional loans bein 4.375% to 5.0°~ interest fixed 30 ar 95% mo a e with u to three infs. Sellers are not re wired to offer sales or financin concessions but seller assistance is oceurrin .The econom continues to be in a state of flux. The market has been stable with little to no a reciation. Homes are takin Ion er to sell. It is a bu en's market and b ers are lookin for homes in excellent condition and/or askin for concessions. Lenders have stron er wall 'n uidelines limitin See Addendum Project lMonnetlon for PUDa (tt applicable) - - Is the developer/builder in control of the Hame Owners' Association (HOA)? Yes No Approximate total number of units in the subject project Approximate total number of unts for sale in the subject project tribe common elements and recreatio al facilities: Dimensions 50' x 141.5' er enclosed deed T0Po9raPhY Gentle incline to rear Site area 0.16 acre Comer Lot ^ Yes ~ No Size Average for area Specific zoning classttlcaUon and description R-1 Residential Suburban Shape Rectan ular Zoning compUance ^ Legal ~ Legal noncontorming (Grandfathered use) [] Illegal ^ No zoning Drainage rs Ad note est as im rove : Present use Other use lain dew Aver a Street lltlNdes Public Other Og-sltelmprovements Type Public Private Landscaping Minimal Electricity ® SVeet Macadam _ ~I ^ Driveway Surface NA Gas ^ Private Propane Curb/gutter ^ ^ Apparent easements Standard util' easements Water I~ _ Sidewalk ^ ^ FEMA Special Food Hazard An:a ^ Yes ®No Sanitary sewer ~i _ SVeet lights ^ U FEMA Zone X Map Date 3-16-09 form sewer Alle Rear 5 foot FEM M No. 42041 C0259E Comments (apparent adverse easements, encroachments, special assessments, slide areas, Illegal or legal nonconforming zoning use, etc.): Standard easements for electric tele hone etc. There were no known or a anent adverse easements encroachments or condkions that would n alive im act on the value of the sub'ect ro . Nonconf ormin lot due to not meetin current minimum lot s¢e width etc. GENERAL DESCRIPTION NTERIOR DESCRIFTION FWNDATION BASEMENT INSULATION No. of Units 1 Foundation Con. Stock Slab NA Area Sq. Ft 768 Roof ^ No. of Stories 1.5 Exterior Walls Stucx:oMn Crawl Space Partial -Rear Add % Fnished 0 Ceiling Type (Det/Alt) Detached Roof Surface As h.Shin le Basement Partial Ceiling Unfinished Walls ^ Design (Style) 1.5 Sto Guders & Dwnspts. Alum/Alum Sump Pump Floor Drain Walls Unfinished FkxK ^ Exisdng/Proposed Existin Window Type Wd DH & Alum Dampness None noted floor Cement None ^ Age (Yrs.) 82 StomVScreens Yes/Yes Sedlement Due To A e Outside Entry Yes Unlawwn Eff rs. 50 Manufactured H No Infestation None noted ROOMS fo er Uvin Dinin Kitchen Den Famil Rm. Rec. Rm. Bedrooms # Baths Laund er Area S . Ft Basement 788 Level / 1 1 1 2 1 1 152 Level 2 1 1 262 Rnished area chore rode contains: 6 Roo s' 3 Bedroom s ~ 2 Bath s ~ 1 414 S ware Feet of Gross Livin INTERIOR Materials/Condition HEATING KRCHEN EQUIP. ATTIC AMENITIES CAR STORAGE: Fbors Wood Vin UAv Type Ht. Wtr. Refrigerator ^ . None ^ Freplace(s) # ^ None Walls PlastedAv Fuel Oil RangeJOven ® Stairs ^ Patio ^ Garage # of cars TdmlRnish Wood/StainedlAv Condition Averse Disposal ^ Drop Stair ^ Deck ^ Att ached Bath Floor ~n .UAv COOLING None Dishwasher ^ ScutUe ® Porch Front ® Detached Bath Wainscot Plastic Cov. Panel Central NA FaNHood ^ Floor ^ Fence. ^ Bultt-In Doors Wood/Av Other NA Microwave ^ Heated ^ Pool ^ Carport Condition NA Washer D er Finished p~~ NA Additlonal features (special energy eificient it ems, etc.): Some a luminum re lace ment windows. Ad dition added to rear of o ' final house and utilized as a bedroom. Condition of the improvements, depreciation (physical, functional, and external), repairs needed, quality of construction, remodegng/addttions, etc.: The home is in avers a to fair condition . The construction uai' is ice/ for the area. The estimated effective a e is bebw the actual a e due to maintenance condition and tom orison to tom tin ne' hborhoods. Ph ical de reciation is attributed to a e and deferred maintenance. Interior is dated. Minimal kitchen cabinets and a e of kitchen will decrease market a cal. Wood floors need refinished. See Addendum Adverse environmental conditions (such as, but not limited to, hazardous wastes, toxic substances, etc.) present in the improvements, an the site or in the , Immediate vicinity of the subject property.: The property is of an age where lead based paint may be present The market does not penalize the _ ro but the client should be advised of its ssible existence. It is assumed that it is not resent. if the client See Addendum Frnrl rlla Mar Form 7n R/aR _ rnu~ i yr [ Fannie Mae Fonn 1004 Gl93 Form UA2 - "wnTOTAL' appraisal software by a la mode, inc. -1-800-ALAMODE vr~~~,ad.x,r, UNIFORM RFSIf1FNTle1 eaaRe~ce~ ttaCronoT Gribble Estate ESTIMATED SITE VALUE .......................... ..._ $ ESTIMATED REPRODUCTION COST•NEW-OF IMPROVEMENTS: Dwelling 1,414 Sq. Ft. @ $ _ $ 768 Sq. Ft. @$ = Comments on Cost Approach (such as, source of cast estimate, site value, squaze foot calculation and for HUD, VA and FmHA, the estimated remaining economic life of the property): The Cost Approach will aenerall result in an excellent estimate of value if the buildin is new or = reasonab new and the im rovements reflect the hi hest and Garage/Carpod Sq. Ft. @$ = best use of the land. However when hems of h sisal Total Estimated Cost New ...................... ......_ $ de reciation must be estimated an area of'ud ement is Less Physical Functional External involved which is sub'ect to error. The Cost roach was not Depreciation _ ~ ~ _$ utilized due to the sub'ect's e e and the amou t f F ti Depreciated Valueotlmprovements _ ....................... _$ n o unc onal Obsolescence. 'As-is" Value of Stte Improvements ................ _$ INDICATED VALUE BYCOSTAPPROACH ............................ _ ITEM SUBJECT COMPARABLE N0.1 COMPARABLE N0.2 COMPARABLE N0.3 805 Fai~eid Street ss Mechanicsbur PA 17055 6 S George Street Mechanicsbu PA 17055 81 Hummel Avenue Lemo ne PA 17043 _ 405 W. Keller Street Mechanicsbu PA 17055 roxim to Sub ect 0.16 mites NE _ 7.54 miles NE 0.46 miles E s ' e NA 135 000 ` . . - 136 000 128 500 P ro tea ~ 120.54 ~ . i .y ., ~ : 110.03 ~ :,. ..;~~~.. ~,.,. 102.96 ~ Data and/or Yeritiration ouroe MLS, Agent, Ext. Inspect and Courthouse Records MLS, Agent, Ext. Inspect. and Courthouse Records , MLS, Agent, Ext. Inspect. and Courthouse Records VALUE ADJUSTMENTS DESCRIPTION DESCRIPTION + - $ Ad'ust. DESCRIPTION + - $ Ad DESCRIPTION I + - S A ' Sales or Fnancing Concessions -: Conventional None FHA Costs I -4 700 FHA Costs -7 396 Date of al me 8-21-09 2DOM 10-17-08 SODOM ; 6-19-09 208DOM I Location Averse Averse Averse Averse I Leasehol Fee m le Fee Sim le Fee Sim le Fee Sim le Fee Sim le S 0.16 acre 0.17 acre 0.12 acre 0.10 acre View Avers a Street Av .Street Av .Street Av .Street Desi n and 1.5 Sto 1.5 Sto 1.5 Sto 2 Sto ' M Co strucUan Averse Averse Averse Avers a /Frame +3 000 A e 82 ears 60 ears 79 ears 109 ears Condition Av . to Fair Su riot -12 000 Su erir -10 000 Su riot -10000 Above Grade Total ~ Bdrms ~ Baths Total i Bdrms i Baths To I ~ Bdrms ~ Baths ~ Total ~ Bdrms ~ Baths Room Count 6 ~ 3 ~ 2 6 ~ 3 ~ 1 +2,000 6 ~ 3 ~ 1 +2 000 6 ~ 3 ~ 1 5 ~ +1 000 r ss Lhdn Area 1 414 5 . Ft 1 120 , Ft ' +10 300 , 1 23B S . Ft. ; +6 200 . , 1 248 S . Ft : +5 800 Basement & Flnished Rooms Bebw Grade Partial Bsmt. Unfinished Full basement/Eq ; RecRm Bar -2 000 Full basement/Eq ; Unfinished Full basement Unfinished notional Util' Av /Floor Plan Su erir -5 000 5u riot -5 000 Su riot -5 000 HeaUn Conlin Ht. Wtr. /None FWA /Cent. Air ~ -3 000 FWA /None HtWtr /None net Effici nt Hems Aver a Averse Averse ~ Averse On Street Pk . Gars a x1 -5 000 Gara a x1 -5 000 Off Street Pk Porch, Patio, Deck, Fire laces c. Porch None Encl. Por/Patio -1,500 FP x1 Wd Stv -2 500 Encl.Porch/Porch ~ -1,500 None None +500 None Fence Pool etc. None Shed Fence -1 000 None None et d'. total + - -19 700 + - -18 000 + - -12 096 . Adjusted Sales Price ~ : • Net 14.6.% ~ j ;-Net 132-% ~;Netn ~,4:~ % f Com arable :~ .Gross:. 328=~%; 115 300 ~; <Gross~•25;3:~% 118 000 ~+~latO3S'+,25,4,% 118 404 Commends on Sales Comparison (including the subject property's compaUbllity to the neighborhood, etc.): Sales of similar s e homes in Monroe Townshi and in com table condition/floor tan were limited. After a thorou h search of all available data the com rabies chosen were considered the best available. Ad'ustments were made to reflect substantial differences between the com arable ro rties and the sub'ect. The ad'ustments that were made reflect the tool actions of bu ens and seller in the marke lace. Sale #1 is located closest to the sub'ect. Home was well maintained era ent. Home has a su riot kitchen with ceramic file floor u sled bathroom some new ca t new windows 17x22 enclosed rch era a with mechanics it and alt a lia nces. Com table in su riot con dition. See Addendum REM SUBJECT COMPARABLE N0.1 COMPARABLE N0.2 COMPARABLE N0.3 Date, Price and Data Source, for prior sales ' in ear of 'sal NA NA Crthse Records NA NA Courthouse Records $88,000 2-28-08 Courthouse Records NA NA Courthouse Records Anatysis of any cuneM agreement of sale, option, or listing of subject property and analysis of any prior sales of subject and comparables within one year of the date of appraisal: Prior sales of the com arable ro erties occurred more than one ear a o exce t for #2.. The sub'ect is not current under contract or listed in the o en market. Sub'ect has not transferred within the ast three ears. 1NDICATEDYALUEBYSALESCOMPARISONAPPROACH _________._.______________ _ _ $ 115000 BiDK:ATED VALUE BY INCOME APPROACH 'rf liable Esti ed M Rerd Mo. x s Rent Multl liar - This appraisal is made "as is' subject to the repairs, alterations, Inspections or conditions listed bebw subject to completlon per plans ~ specfflcations. CondWons otAppraisal: No warren of this a sisal is iven or im lied. No liabili is assumed for the structural and/or mechanical elements of the sub'ect roe .See Addendum and Statement of Limitin Conditions Final Reconciliation: Due to the lack of quell and uanti of rental data the Income A roach was considered Ina ro riate and not utilized. Greatest wet ht is iven to the Sales Com orison A roach since it reflects the tool actions of b Band sellers in the martce lace. ***Retros active Market Value as of the date of death. The purpose of this appraisal is to estimate the market value of the real property that 1s the subject of this report, based on the above condftlons and the cerUtiraUon, contingent and limiting conditions, and market value definition that are stated in the attached Freddie Mac Fom1439/FNMA form 10048 (Revised June 1993 ). I (WE) ESTIMATE THE MARKET VALUE, AS DEFINED, OF THE REAL PROPERTY THAT IS THE SUBJECT OF THIS REPORT, AS OF November 13 2009*'"' (YYHK~t IS THE DATE INSPECTION AND THE EFFECTIVE DATE OF THIS REPORT) TO BE $ 115.000 APPRAISER: ,/ ~+~ SUPERVISORY APPRAISER (ONLY IF REQUIRED): i ature `"~ '• "(~Ci ""`• Signature ^ Did ^ Did Not Name Karen Dame PA Certified General R tale raiser Name Inspect Pro ert p y Date Report Stoned January 13, 2010 Date Re rt Si ned State CaNflcation # GA001260L State PA to Certification # g~ Or State License # State Or State License # fate ~••°~ ~ ~~~~~ • ~ ~~~ rv,ut z ur z Fannie Mae Fonn 1004 8-93 Farm UA2 - "WinTOTAL"appraisal saftwaze by a la mode, inc. -1-800-ALAMODE UNIFORM RESIDENTIAL APPRAISAL REPORT MARKET DATA ANALYSIS waf@aCti0n fa ~6uf~ems of signin0flcant varia favorable than, the sub t property, a minus (-) favorable than, the sub property, a plus (+) a tlon belwemeial me sub ect amend comparablecproperetlres.l Ifa sign( iCanat Remin the comparable p operty (s superior morempfC g adjustment Is made, t~us reducing the Indicated value of the sub'ect. B a signBicard item in the comparable is inferior to, ar less djusbment is made, thus increasing the Indicated value of the subject. ITEM SUBJECT 805 Fairfield Street Tess Mechanicsbur PA 17055 ' ' COMPARABLE N0. 4 15 W. Factory Street Mechanicsbur PA 17055 COMPARABLE N0. COMPARABLE N0. 6 m to ub'ect ' 0.84 miles NE rice NA ~~~ 128 000 ;r '~ roSS Uvin Area Data andlor catlon ourcas ~ 91.30 ~ `~ "~ MLS, Agent, Ext. Inspection & Courthouse Records ¢~ '` ~ '` VALUE ADJUSTMENTS Sales or Financ(ng o cessions DESCRIPTION ' ` DESCRIPTION + -; Ad'ust. Conventional None DESCRIPTION + -; Ad ust DESCRIPTION ; + -; ~ 5-4-09160DOM L ' n Avera a Av One W St. ; +3 000 ehol le Fee Sim le Fee Sim le 0.16 acre 0.16 acre Vkw Avera a Street Aver a Street n d I 1.5 Sto 2 Sto of onsbuction Avera a Av Frame +3 000 82 ears 81 ears IBo Av . to Fair Su erior -15 000 Above Grade Total ~Bdrms~ Baths Tota ~ drms~ Baths ; Total iBdrms~ Baths ; T t l ~Bd ~ Room Court 6 3 2 6 3 2 o a rms Bath ras LIVin Area 1 414 S . Ft. 1 402 S . Ft. ~ 0 S . Ft ' , Ft, ; Basement & Flnished Bebw Grade Partial Bsmt. Unfinished Equivalent Unfinished o al I Av /Floor Plan Su rior -5 000 tlNtl ool Ht. Wtr. /None Ht. Wtr. /None Etficierd Items Avera a Avera e C rt On Street Pk . Off Street Pk Porch, PaBo, Deck s etc. Porch None Patio None P etc. None Fence -500 Net Ad . total + - I -14 500 + - ~ + _ , Adjusted Sales Price of Cam able Net_ ,11.3 %; ~ Grass; 20.7"% 113 500 • ;" Net ' % -•`r`GroSS 96' NEt ;r -.% ~°zGross~°~~ ' -9G' Date, Pdce and Data Source for prior sales ear of ral al NA NA Crthse Records None NA Courthouse Records Comments: Market Data Analysis 6-93 Form UA2.{AC) - •WInTOTAI• appraisal software by a la mode, inc. -1-800-AIAMODE Sunnlemental Addendum - -------- ----------.... rneno.Uy-1 "L4KD Owner Gribble Emo i£ Marie E. Address 805 Fairfield Street C Mechanicsbur Coun Cumberland State PA L' Code 17055 CIfeM Richard Snelbaker Es uire URAR: Market Conditions Cont'd• qualified buyers. • URAR: Condition of the Imlorovementa Cont'd• Interior needs painted. First level rear addition has non-partitioned toilet, sink and metal stall shower and no closet which is atypical in this market. This produces functional curable obsolescence. An appropriate deduction was taken in the Sales Comparison Approach to provide for partitioning and closet addition. Kitchen cabinets and floor covering needs replaced. Wood windows need glazed and painted. No economic obsolescence was observed. • URAR: Adverse Environmental Conditions Cont'd' has a concern, then a qualified expert in this area should be contacted. There are no known or apparent adverse environmental conditions that would negatively impact on the sale of the property. • URAR: Sales Comoarison oroach Cont'd• limit. Home sold higher that list price of $132,900 due to multiple offers.. Sale #Z utilized to show similar style of home and of similar age. Home was in "outstanding condition" per agent. Home had Pergo floors, remodeled bathroom, updated kitchen, new windows and mechanicals. Sale #3' utilized due to close location. This two story home was in "move-in condition" being remodeled `from "top to bottom inside and ouY', per agent Home had new bathroom, updated kitchen, fresh paint, new carpeting, new windows and doors, updated electric and first level laundry. Sale #4 is a two story but used to show value of home with similar square footage. Home had a new roof, electric, carpet, tile, lights, stove, dishwasher, new paint and first level laundry. All sales considered equally. Estimated indicated value can also be determined by using the Gross Adjustment of sale price for each comparable (comp) as a measure of relative quality of the comp. A lower adjustment indicates a better comp, and vice versa. The ratio of gross dollar adjustment to sale price for each of the comps is used to calculate the weight each comp should have in a weighted calculation. This weighted calculation is used to also indicate the estimated value of the subject. As with any method this technique is not perfect. However it does do a very good job of giving more weight to the most similar comps while at the same time minimizing values near the extremes of the indicated value range. The estimated weighted value is: $117,100; or say, $117,000 rounded, which supports the estimated value. Definition of Market Value: The definition of Market Value is from regulations published by federal regulatory agencies pursuant to Title XI of the Financial Institutions Reform, Recovery, and Enforcement Act (FIRREA) of 1989 between July 5, 1990, and August 24, 1990, by the Federal Reserve System (FRS), National Credit Union Administration (NCUA), Federal Deposit Insurance Corporation (FDIC), the Office of Thrift Supervision (OTS), and 4he Office of Comptroller of the Currency (OCC). This definition is also referenced in regulations jointly published by the OCC, OTS, FRS, and FDIC on June 7, 1994, and in the Interagency Appraisal and Evaluation Guidelines, dated October 27, 1994. Scone of Work: Observation of the exterior and walk through observation of the interior of the property. Measuring the exterior of the dwelting.Walk through observation did not include inspection of the attic or crawl space areas. These areas are assumed in good condition with no adverse conditions present. If you have a concern, contact an appropriate professional for an inspection. No mechanical systems were inspected and no appliances were tested. Review of the REDS courthouse data and Central Penn Multi-List, Inc. records. Reviewing the county tax map online information, county tax map, zoning, and FEMA flood maps. Verifying, if possible, the comparable sales with broker, agent, seller or buyer. Special Limiting Conditions: This appraisal is not a home inspection and the appraiser is not acting as a home inspector when preparing the report. The borrower has the right to have the home inspected by a professional home inspector. When performing the inspection of this property, the appraiser visually observed areas that were readily accessible. The appraiser is not required to disturb or move anything that obstructs access or visibility. The inspection is not technically exhaustive. The inspection does not offer warranties or guarantees of any kind. The appraiser is not a home or an environmental inspector. The appraiser provides an opinion of value. The appraisal does not guarantee that the property is free of defects or environmental problems. The appraiser performs an inspection of visible and accessible areas only. Mold may be present in areas the appraiser cannot see. A professional home inspection or environmental inspection is recommended. If the property is sold, this appraisal is subject to satisfactory inspection reports including, but not limited to: wood infestation, water test(s), radon, building inspections, etc. URAR: Suualemental Certifications I certify that, This SUMMARY APPRAISAL REPORT was prepared for the exclusive use of Richard C. Snelbaker, Esquire (client). The Intended User of'this appraisal report is the Client. The Intended Use is to evaluate the property that is the subject of this report for estate settlement, and no other use is intended. Appraisal is subject to the stated Scope of Work, purpose of the appraisal, reporting requirements of this appraisal form, and Definition of Market Value. Estimated market value is the most probable price in terms of cash or in terms of financial arrangements equivalent to cash. The information and opinions contained in this appraisal set #orth the appraiser's best judgment in light of the information available at the time of the preparation of this report. Any use of this appraisal by any other person or entity, or any reliance or decisions based on this appraisal are at the sole responsibility and at the sole risk of the third party. I accept no responsibility for damages suffered by any third party, as a result of reliance on or decisions form TADD - °WInTOTAL" appraisal software by a la mode, inc. -1-800-ALAMODE Sunnlemental Addendum Owner Gribble Emo & Marie E. Pr a Address 805 Fairfield Street C Mechanicsbur Coun Cumberland State PA ZI Code 17055 CUent Richard Snelbaker, Es uire made or actions taken based on this report. In my opinion, the reasonable exposure time linked to the value opinion is up to 180 days. I further certify that, to the best of my knowledge and belief: -The statements of fact contained in this report are true and correct. -The reported analyses, opinions, and conclusions are limited only by the reported assumptions and limiting conditions, and are my personal, impartial, and unbiased professional analyses, opinions, and conclusions. - I have no present or prospective interest in the property that is the subject of this report or to the parties involved with this assignment. - My engagement in this assignment was not contingent upon developing or reporting predetermined results. - My compensation for completing this assignment is not contingent upon the development or reporting of a predetermined value or direction in value that favors the cause of the client, the amount of the value opinion, the attainment of a stipulated result, or the occurrence of a subsequent event directly related to the intended use of this appraisal. - My analyses, opinions, and conclusions were developed, and this report has been prepared, in conformity with the Uniform Standard of Professional Appraisal Practice. - !have made a personal inspection of the property that is the subject of this report on 12-4-09. - No one provided significant professional assistance to the persons signing this report. -This appraisal has been prepared in conformity with the requirements of the Code of Professional Ethics and the Standards of Professional Appraisal Practice of the Appraisal Institute. - T_he ~ of this report is subject to the requirements of the Appraisal Institute relating to review by its duly auth r presentatiu s. ~~~~~ r tti ~ am `-St a ertified Gene I Real Estate Appraiser / GA001260L Form TADD - "~nTOTAL' appraisal software by a la mode, inc. -1-800-ALAMOOE DEFINITION OF MARKET YAWE: The most probable price whlbh a property should bring in a competitive and open market under all conditions requisite to a fair sale, the buyer and seller, each acing prudently, knovdedgeabty and assuming the price is not affected 6y undue stimulus, implicit in this deflntlion is the cansummatlon of a sale as of a specified date and the passing of title from seller to buyer under condttiorts whereby. (1) buyer and seller are typically motivated; (2) both parties are well irdormed or well advised, and each acting in what he considers his own best interest; (3} a reasonable time is allowed for exposure in the open market; (4) paymenv is made in terms of cash in U.S. dogars or in terms nv financial arangemenvs comparable thazeto; and (5) the price represents the normal consideration for the property sold unaffected by special or creative financing or sales concessians* granted by anyone associated with the sale. * Adjustments to the comparables must be made for special ar crealive financing or sales concessons. No adjustments are necessary for those costs which are normally paid by sellers as a result of traditlon or law in a market area; these costs are readily identifiable since the seller pays these costs in virWally all sales transactions. Special or creative financing adjustmerds can be made to the comparable property by comparisons to financing terms offered by a third party institutional lender that is not already involved In the property or Vansaction. Any adjustment should not be calculated on a mechanical dollar far dollaz cost of the financing ar concession but the dollar amount ai any adjustmenv should approximate the market's reaction to the financing or concessions based on the appraiser's judgement STATEMENT OF LIMITING CONDITIONS AND APPRAISER'S CERTIFICATION CONTINGENT AND LIMITING CONDITIONS: The appraisers certlflcatlon that appears in the appraisal report is subject to the following canditons: 1. The appraiser will not be responsible for matters of a legal nature that affect either the property being appraised or the title to it The appraiser assumes that the title is good and marketable and, therefore, will not render any opinions abcut the title. The property is appraised on the basis of it being under responsible ownership. 2. The appraiser has provided a sketch in the appraisal report to show approximate dimensions of the improvements and the sketch (s included only to assist the reader of the report in visual¢ing the property and understanding the appraiser's determinaton of its site. 3. The appraiser has examined the available flood maps that. are provided by the federal Emergency Management Agency (or other data sources) and has noted in the appraisal report whether the subject site is located (n an identified Special Flood Hazard Area Because the appraiser is not a surveyor, he or she makes na guarantees, express or implied, regarding this determination. 4. The appraiser will not give testimony or appear in court hecause he or she made an appraisal of the property in question, unless specific arrangements to do so have been made beforehand. 5. The appraiser has estimated the value of the land in the cost approach al its highest and best use and the Improvemenvs at their confibutory value. These separate valuatlons of the land and improvements must not be used In conjunction with any other appraisal and are invalid tl they are so used. 6. The appraiser has noted in the appraisal report any adverse conditions (such as, needed repairs, depreciation, the presence of hazardous wastes, toxic substances, etc.) observed during the inspection of the subject property or that he or she became aware of during the nomral research involved in performing the appraisal. Unless otherwise stated in the appraisal report, the appraiser has no knowledge of any hidden or unapparent conditions of the property or adverse environmental conditions (including the presence of hazardous wastes, toxic substances, etc.) that would make the property more or less valuable, and has assumed that there are no such conditions and makes no guarantees or warranties, express or implied, regarding the condition of the property. The appraiser will not be responsible for any such conditons that do e>dst or for any engineedng or testing that might be required to discover whether such conditons exist Because the appraiser is not an expert in the field of environmental hazards, the appraisal report must not 6e considered as an environmental assessment of the property. 7. The appraiser obtained the irrformation, estimates, and opinions that were expressed in the appraisal nrport from sources drat he or she considers to be ratable and believes them to be true and correct The appraiser does not assume responsihility for the accuracy of such ttems that were furnished by other parties. 8. The appraiser will not discbse the convents of the appraisal report except as provided for in the Uniform Standards of Professional Appraisal Practice. 9. The appraiser has based his or her appraisal report and valuatlon conclusion for an appraisal that is subject to satisfactory completion, repairs, or atteratlons on the assumption that completion of the improvements will be performed in a workmanlike manner. 10. The appraiser must provide his or her prior written consent before the lender/clierd specified in the appraisal report can distribute the appraisal report (including conclusions about the property value, the appraiser's Identity and proTesslonal deslgnatlons, and references to any professional appraisal organizations or the firm with which the appraiser is associated) to anyone other than the borrower, the mortgagee or its successors and assigns; the mortgage insurer, consultants; professional appraisal organizations; any state or federally approved financial institution; or any departmant, agency, or instrumentality of the Untted States or any state or the District of Columbia; except that the lender/clierd may distribute the property description sectlon of the report only to data collectlon or reportlng service(s) without having to obtain the appraiser's prior written consent The appraiser's wdtten consenv and approval must also be obtained before the appraisal can be conveyed by anyone to the public through advertising, public relatlons, news, sales, or other media Freddie Mac Form 439 6-93 Page i of 2 Fannie Mae Form 10048 6-93 L.G. Connor Real Estate Appraisers Form ACR - "wnTOTAL" appraisal software by a la mode, inc. -1-800-ALAMODE APPRAISER'S CERTIFICATION: The Appraiser certifies and agrees that: 1. I have researched the subject market area and have selected a minimum of three recent sales of properties most similar and proximate to the subject property for consideration in the sales comparison analysis and have made a dollar adjustment when appropriate to reflect the market reaction 1o those items of signfcant variation. tt a significant item in a comparable property is superior to, or more favorable than, the subject property, I have made a negatlre adjustment to reduce the adjusted sales price of the compareble and, if a significant ttem (n a comparable property is inferior to, or less favorable than the subject property, I have made a posit(ve adjustment to increase the adjusted sales price of the comparable. 2. I have taken Irdo consideration the factors that have an impact on value in my development of the estimate of market value in the appraisal report 1 have not knowingly withheld any aign'dicaM information from the appraisal report and I believe, to the best of my knowledge, that ag statemenk and infomratlon in the appraisal report are true and correct. 3. i stated in the appraisal report only my own personal, unbiased, and professional analysis, opinions, and conclusions, which are subject only to the cantngent and limiting conditions specfied in this form. 4. I have no present or prospective Interest in the property that is the sub)ect to this report and I have no present or prospectve personal interest or bias with respect to the partlcipants in the transaction. I did not base, either partially or completely, my analysis andror the estimate of market value in the appraisal report on the race, color, religion, sex, handicap, familial status, or hatlonal origin of either the prospective owners or occupank of the subject property or oT the preserd owners or occupank of the properties in the vicinity of the subject property. 5. I have no present or contemplated future interest in the subject property, and neither my current or future employment nor my compensaton far pertorming this appraisal is contingent on the appraised value of the property. 6. I was not required to report a predetermined value or direction in value that favors the cause of the client or any related party, the amount of the value estimate, the attainment of a specific result, or the occurrence of a subsequent event in oMer to receive my compensation andlor empoyment for pertonning the appraisal. I did not base the appraisal report on a requested minimum valuation, a specific valuation, ar the need to approve a specific mortgage loan. T. I performed this appraisal in conformity with the Uniform Standards of Professional Appraisal Practice that were adopted and promulgated by the Appraisal Standards Board of The Appraisal foundation and that were in place as of the effective date of this appraisal, with- the exception of the departure provision of those Standards, which does not apply. I acknowledge that an estimate of a reasonable time for exposure in the open market is a condition In the definition of market value and the estimate I developed is consistent with the marketing time noted in the neighborhood section of this report, unless I have otherwise stated. in the reconciliation section. 8. I trove personally inspected the interior and exterior areas of the subject property and the exterior of ag properties liskd as comparables in the appraisal report. I further certify that I have noted any apparent or known adverse condftlons 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 adjusbnenk for these adverse conditions in my analysis of the property value to the extend that I had market evidence to support them. i have also commented about the effect of the adverse conditions on the marketabilty of the subject properly. 9. i personally prepared all conclusions and opinions about the real estate that were set forth in the appraisal report. If I relied on significant professional assistance from any individual or individuals in the pertormance of the appraisal or the preparation of the appraisal report, I have named such individual(s) and disclosed the spactt(c tasks pertormed by them in the reconciliation secton of this appraisal report. I certlty that any Individual so named is qualiffed to perform the tasks. I have not authorized anyone to make a change to any item in the report; therefore, tt an unauthoraed change is made to the appraisal report, 1 will take no respansibllity for it 10. See additional Appraiser Certifications and Limiting Conditions found in the addendum of this report. SUPERVISORY APPRAISER'S CERTIFICATION: If a supervisory appraiser signed the appraisal report, he ar she certifies and agrees that I directly supervise the appraiser who prepared the appraisal report have reviewed the appraisal report, agree with the statemenk and canclusons of the appraiser, agree to be bound by the appraiser's certtticatlons numbered 4 through 7 above, and am taking full responsibilty for the appraisal and the appraisal report ADDRESS OF PROPERTY APPRAISED: 805 Fai~eld Street, Mechanicsburg PA 17055 APPRAISER: ~ SUPERVISORY APPRAISER (only If required): Signature: ~ `~~Gtif~-~- ? Signature: Name: Karen Darne PA Certified General Rea state A raiser Name: Date Signed: January 13, 2010 Date Signed: State Certification #: GA001260L State Certiticatlon #: or State License #: ar State License #: Stale: PA State: Expiration Date of Certification or License: June 30, 2011 Expiration Date of Certification ar license: ~! Did ^ Did Not Inspect Property Freddie Mac Form 439 6-93 Page 2 of 2 Fannie Mae Form 10046 8-93 Form ACR - "WinTOTAL" appraisal software by a la mode, inc. -1-800-ALAMODE Community Man Owner Gribble Emo & Marie E. Pro Address 805 Fai~eld Street C Mechanicsbur Coun Cumberland State PA D Code 17055 Client Richard Snelbaker Es uire __ ,. r, _ _ Duncan~AOne, f 147" ~; } ~~ '.274. .r' - .~!3Y6 .'_.. 11 ~ ~a YZ51 D A U P H I N-- 2 --- '•r. sgaehanna i' . lDau in ..-~^~ Gdf CNab •,.•.. L2Y~'~. ~ ~4p;' atFeecAa 11 of Harrisburg P E P. P. Y Chestrnd Grove Cemetery +4 _ ~ -Sporismans Odl Course Mveysviile` ~ ,, 131ue Ridge ,r-• `' -. z'' .._ - ----- _ ~ i~ i ~ ; rrC~lr~t ~ ~ ~• ...• ..... ~.~ ... t ............. C 1 ........... 1 al ............... , ~ i ~~~~~q~ \ ~~ , ~~ i. 5 f ~, , ~ j ~.,.(• i4. ~ - r , ,~ ' ~ ~-t ~ ~~~ '~ :, .. 1Normieysburg~~,~/"~`~A' }-,~ ~~ ,~ ~.RICFI _ (6871 n ~~"~ - ~ . .tr: f :i~':ii't~- _ , _ ~. M t3 is r ~(MechanicsburD ,•l,_-_/ 1 ~ ~~~' 1` Airport ; ~''~',,, ~ ~R E N N S V, A 'N' 1 A :.~ '• ~ ` , -,_,.641! ~ ~ ~'i -'til%~ ~~~.~._._ ' ; ~\ Fairview Parr ~~~ i r' •;.:y~, - _ i _ ,- -,.'174. ~~li.- s{ r - -~.~ ~'r 114 '~ F ( of - ~- - ~ " 1 5 `~ ° ~ ~ i .~ 1 f •. t~ •~,.. ~ .r7a " r, I ~ ~' --~.=v ,. ••. ~- ~,- ~,, ~ ~. i • ~ .I r362:~! ,y 5 •.' ' ~~f ..... ~~ ~ t: •.••. x'15 w. ~ ~ ',,.... ,. •. .' 1 D ~ _.. . . _...... ' ~r ~gillsbur ~~ r177t RanpeEnd _J ~` •.• .. - ` Golf Club ; ~ (~..___ '.~ ~ ~~. lj yi - -.-_. , r Stone Head rj li ~. Y.~`=R K ~ , .,~ ' _~ 4.Franklinfo~rn ~ , 1 F _ f ~.' 4 ~ ,. • 19 N' T t, /~ P t Scale /~i tl! ~~~ `74"1J Stat mi 1 2 r 3 r ~, o~oos,w~.setcepo:ooe'nw>ea!me/erreKetl~s,mo.I~ "~: :~~ •~; F Form MAP.LOC - °~nTOTAI" appraisal software by a la mode, inc. -1-800-ALAMODE ~:- .. /~ ~S ~ `7["ll~n~ ~~~~, clay o f - ~fl. D. 19 51 ~iptfUEEx[ is;.`u,`i° n. ;~i:zl? ~ ~, <"I?~u .T.Tr'.T9,, ;~. uR?B;~ZC, 1'Iis i~ri.~ E, o f the Borough of LiGCntl'LCSbt1Cg, Cu;aberlan;:: CrL>_n-!1`r, Pe;.nsYlvania, nar-ties ccf tre ~~.rst part; ~~lP #C~~ ~ ~ ~~~ t :a D ~__ ~~~V ~':. ~.'rii'.BTiT.~ and lie ~~ ~, '~"-t}~ji3LtT'. ~1.5 i'tife, of the S2liie ~;1s Ge, r. ~art].e.i Cf the Second *~3i"t. y ~i~Y[PS~k~~, that in consideration of C,.rr (" UO) ''~'LLAP, ',, ~ ~, ;vl. ,.~~ and a ~.~a_ ~•ao i and .8ltzabl e ooi~si;iEraticlis ~~.~~ in hand paid, the receipt wlLereof is hereby a•clcnowled~'ecl; the Grarztore do hereby 'rant and cozavey to the said Grantees, t'ie~r weirs arzd .Flssi~ns, [[ trat certa:;.rl :lot or ~;rourtd situate in u)rtx'oe Tomshi u~:i:~tberland CcuntYs Fenn. ylvania, s_LttSatP oIa the scuth side; o_:" ~'a~xfiEld S't.reet, hay°in& a front.^ge On said utrf;Ht t)f fi.f't~}' (5~J) fr,'e't, c^„ titidt't1 1.n tll~ 2'P..at ^i f~ °t;j (~~` PeH"t, an; ~: depth of cane iturlcix•ed forty-one anii five-tHn-ths (1x1,5) feet; said lot beilxg bounded on 'thy north Ly° said Fairfield S-ti°eut, oTt 'the .east ba. Lot Diu. 79 oII the hHreinafter man'tioned L"J~an of Lets, on #.he sc~t'i 1:.;; a °ive (K) foot private tight-of-.:ray or a11e5*, and ~n •tl~e Brost bar Lo . ido. ~.~- # 77 oax sai•a r.sr~:i.a:,a_ gar mentioni~d ~=l.an of LJtSr BEIPd~3 L~~t T`;~'s 73 in .2 Ct'Y"t.n l~~Yx t;f Ln'ts Zi?'<OrJri as Ypwnt COliLfOi''t, la?;: Dlit fOr ~iE'Qr~E: 'ti. vo~1.E50n~ nii j::,-nn~E3 'v'. vOfZi:S:)Tl~;, ~J' l+]-3Y'~I ~`i. .~Sr~Bn~ .T'LIl~;lnt'6r and Sur~cyor, nugus't 192i~, and recorded in. Flaw soo}r 2, Fage 36 in the reorder ~s '!'Ffice ;.f S :i.d County. 13EI~p'r the ~a%i8 areru.ses .'iil' =°~; ~ ;, a• ' ~r:• ich ~l:IJ.t e B. I g1e,~cT:~ana ~;,znnie C. tTOgl~:sorlg, his :•,~.fe, bJT deed dated ~.~ril ll, 1.923, ar_d recol^deri :gin the F~c~rderis office at CazlislE, I'cnns~rly=tnia in Leed Bco?, U, "STolu.~te 10, page 217, :;ranted and convH~red unto Ettiox^y ~, uribble, f.,ne of uhe ,n,.rantors 1-a~,.'ein, The above descriUed lot cf grot.u~td is gI'anted and r;c±:veyed subjec'c to 'tUe x•estri.ction that n~~ b~~ilail~ s~~.al1. t;e erected on :.~ai.d 1.ot ~•^.thin t~ver..ty (20) feet of tha front l~r~e of 'the sal.u lot® wwny_ 'y f ,..... ~ ir: t.. ( y ,~j M:,, ~. a ~ . ~' « ( .fir` _ "^"... p - ~ ~'. ., »4 ~ • W` - ' ~.. -.~y6~-".'~..-~' ~~T* ` 4N. a +t+a i. ~ ~,fl ?i ~ ~+~W'~a ~ xvw ~'~` ~{ ' .~_ . ~ I wv~. } T p P ~ >v-+ f • ~~~ `e s~ { {{ ~~ ~i J r ~ ~ ~ M ~ 0~ •TAIF 1 tt..rik ~.. .w.° `Y ~ ~ ~F fF ~• ~p ~ « . '~ a ~, ~ _ ~~~ ~. 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For Into: oro~tbodsouroe.can. Building Sketch Owner Gribble Emo & Marie E. Pro Address 805 Fairfield Street C Mechanicsbu _ Coun Cumberland State PA L Code 17055 Client Richard Snelbaker E uire Second Levei First Level 12.00 24.00' BR Room (on crawl spans) ` °~ 8.00' ^ ~ 6.00' ' cl ° ° ° .~ o o KIT s.oo~ ~ DR v BR LR °o ~ Porch °o ao ; :, ao 24.00' NOTE: Interior Sketch Not To Scale. a~~~~ Commerns: AREA CALCULATIONS SUMMARY Coda Dsserlptlon Net Size ~ Net Totals 6L711 Sirat Sloor .1152.00 1152.00 GLA2 Seaoad Sloor 262.02 262.02 P/P Porah 192.00 192.00 Net LIVABLE Area (Rounded) 1414 LIVING AREA BREAKDOWN Brgkdoarn SutNOtals Sirat Sloor 24.00 x d3.00 1152.00 3~COffd Sloor 11.00 x 12.00 132.00 6.00 z 11.00 84.00 6.00 z 7.67 46.02 4ltems (Rounded) 1414 Farm SKT.BIdSkI - "~nTOTAL' appraisal software by a la mode, Inc. -1-800-ALAMODE Subject Photo Page Owner Gribble Emo & Marie E. Pro Address 805 Fairfield Street C' Mechanicsbur Coun Cumberland State PA Zi Code 17055 Client Richard Snelbaker Es uire Subject Front 805 Fairfield Street Sales Price NA Gross Living Area Total Roams Total Bedrooms 2 Total Bathrooms 2 Location Average View Average Street Stte 0.16 acre Quality Average Age 82 years Sub)ect Rear Sub)ect Street Form PIC3x5.SR - "<MnTOTAL' appraisal software by a la mode, inc. -1-800-ALAMODE Subject Photo Page Owner Gribble Emo 8 Marie E. Address 805 Fairfield Street C Mechanicsbur Cou Cumberland State PA Zi Code 17055 C4ent Richard Snelbaker E uire Kitchen Vlew 805 Fairfield Street Sales Pdce NA Gross Living Area Total Rcoms Total Bedrooms 2 Total Bathrooms 2 Location Average Vew Average Street Site 0.16 acre Qualhy Average Ape 8Z years Form PIC3x5.5R -'WInTOTAL" appraisal software by a la mode, Inc. -1-800•ALAMODE Comparable Photo Page Owner Gribble Emo & Marie E. Address 805 Fairfield Street C Mechanicsbur Coun Cumberland State PA is Cade 17055 Cgent Richard Snelbaker Es uire Comparable 1 8 S George Street Prox. to Subject 0.16 miles NE Sales Price 135,000 Gross Living Area 1,120 Total Rooms 6 Total Bedrooms 3 Total Bathrooms 1 Locagon Average Ylew Avg. Street Site 0.17 acre Quality Average Age BO years Comparable 2 81 Hummel Avenue Prox. to SubJect 7.54 miles NE Sales Price 136,000 Gross Living Area 1,238 Tonal Rooms 8 Total Bedrooms 3 Total Bathrooms 1 Loragan Average View Avg. Street Site 0.12 acre Quality Average Aga 79 years Comparable 3 405 W. Keller Street Prox. to Subject 0.46 miles E Sales Price 128,500 Gross Cluing Area 1,248 Total Rooms 8 Total Bedrooms 3 Total Bathrooms 1.5 Location Average Vlew Avg. Street Site 0.10 acre Quality Average Age 109 years Form PIC3x5.CR - "WinTOTAL~ appraisal software by a la mode, inc. -1.800-ALAMODE Comparable Photo Page Owner Gribble Emo 8 Marie E. Pro Address 805 Fairtield Street C Mechanicsbur Coun Cumberland State PA Zi Code 17055 Client Richard Snelbaker Es uire Comparable 4 15 VV. Factory Street Prox. to Subject 0.84 miles NE Sales Price 128,000 Gross Living Area 1,402 Total Roams 6 Total Bedrooms 3 Total Bathrooms 2 Location Average View Average Street Stte 0.16 acre Quality Average Age 81 years )AND APPRAISA! REPORT Gribbie Estate Borrower NA Fl e No. 09-125 KD Property Address Lot Fairfield Street *** Census Tract *" Map Reference ADC 3118 G7 Census Tract 25420-0117.00 City .Mechanicsburg County Cumberland State PA Zip Code 77055 Legal Descdptlon Deed Book H15 Pa a 585 Tax ID #22-24-0783-076 Part o Sale Price $ NA Date of Salo NA Loan Term NA yrs. Property Rights Appraised ®Fee ^ Leasehold ^ De Minimis PUD Actual Real Estate Taxes $ ToBeAsse (yr) Loan charges to be paid by seller $ NA Other sales concessions NA Lender/client Richard C. Snelbaker, Esquire Address 44 W. Main Street Mechanicsbu PA 17055 Occupant Vacant Land Appraiser Karen Darney,Cert.Gen.R.E Instructions to Appraiser Retros active Market Value as of the date of death Locatlon Urban Suburban Rural Good Avg. Fair Poor Built Up ^ Over 75% ®25% to 75% ^ Under 25% Employment StabiUty Growth Rata ^ Fully Dev. ^ Rapid ®Steady ^ Slow C onvenience to Employment ^ ®^ ^ Properly Values ^ Increasing ®Stable ^ Declining Convenience to Shopping ^ ®^ ^ DemanQ/Su I PP Y ^ Shortage ®In Balance ^ Oversupply Convenience to Schools ^ ®^ ^ Marketing Time ^ Under 3 Mos. ®4-6 Mos. ^ Over 6 Mos. Adequacy of Public Transportation ^ ®^ ^ Present Land Use 80% 1 Family 7% 2-4 Family 3% Apts. _% Condo 10% Commercial Recreatlonal Facilities ^ ®^ ^ % Industrfal_% Vacant _% Adequacy of Utllitles ^ ®^ ^ Change in Present Land Uso ~ Not Likely ^ Likely (*) ^ Taking Place (*) Property Campatlbillty ^ . ®^ ^ (*) From To Protection from Detrimental Conditions ^ ®^ ^ Predominant Occupancy ®Owner ^ Tenant 2 % Vacard Police and fire Protecgan ^ ®^ ^ Single Family Pdce Range $ 75 _ to $ 350+ Predominant Value $ 120-130K General Appearance of Propertles ^ ® ^ ^ Single Family Age 10 yrs, to 100+ yrs, predominant Ape 80+ yrs. Appeal to Market ^ ®^ ^ Comments including those factors, favorable or unfavorable, affecting marketability (e.g, public parks, schools, view, noise): Sub'ect has access to all necessa su ortin Facilities includin schools ublic arks trans ortation sho in and houses of worshi . Em to ment stabili is ood due to the State Ca itai at Harrisbur the Na Su De of in Mechanicsbu the Arm Su I De of in New Cumberland and the ex andin West Shore area. MLS statistics demonstrate a stable demand for this area. Avere a roe maintenace observed. Dimensions 50' x 141.5' = 7.075 Sq. Fk or Acres Comer Lot Zoning classificaticn R-1, Residential Suburban Present Improvements ^ do ^ do not conform to zoning regulations Highest and best use ®Present use ^ Other s~ec(~ Public Other (Describe) OFF 517E IMPROVEMENTS Topo Gentle incline to rear Elec. ® SVeet Access ®Pubfic ^ Private Size Avera a for area Gas ^ Surface Macadam Shape Rectan tiler Water ® _ Maintenance ~ Public ^ Private View Avera a Street San. Sewer ® ^ Storm Sewer ^ Curb/Gutter Drainage A ears ode uate ^ Underground Elect & Tel. Sidewalk ^ Street Li hts Is fife property located in a HUD Identified Special Flood Hazard Areal ®No ^ Yea Comments (favorable or unfavorable including any apparent adverse easements, encroachments, or other adverse conditions): Sub act to other standard utlli easements for electric tale hone etc. There are no known adverse conditions noted. The a raiser cannot uarantee that the roe is free of encroachments or easements and recommends further investi anon and surve . Grandfathered non-conformin lot due to not meetin current mihimum lot size width etc. The undersigned has recited three recent sales of properties most similar and proximate to subject and has considered these In th market analysis. Tha descdption includes a dofiaz adjustment reflecting market reaction la Urose items of significant variation between the subject and comparable properties. If a significam item in the comparable properly b superior to or more favorable than the subject property, a minus (-) adjustment is made tlals reducing fin: indicated value of subject fi a significant item in the comparable b inferior to or less favorable than the subJect property, a plus (+) adjustment is made thus increasing the indicated value of the subJect. REM SUBJECT PROPE TY COMPARABLE N0.1 COMPARABLE N0.2 C PARABLE N0.3 Address Lot, Fairfield Street 17 W. Maplewood Avenue 4 E Portland Street 430 W Main Street Mechanicsbur PA 17055 Mechanicsbur PA 17055 Mechanicsbur PA 17055 Mechanicsbur PA 17055 Proximi to Sub act - 0.89 miles E 0.93 miles NE 0.36 miles NE ales Price NA 7.42 7.89 5.23 Price 42 000 55 000 41 000 Data Source Ins action MLS•A ent•CrthseRecords•Ins MLS•A ent•CrthseRecords•ins MLS• ent•CrthseRecorcls•Ins Date of Sale and Ti Ad l DESCRIPTI N DESCRIPTION + - Ad usk DESCRIPTION + - Ad ust DE C I N - Ad usk me (us ment NA _ 2-27-09 7DOM 1-29-09 27DOM 5-21-0915DOM Locatlon Avera a Avera a Avera a Inferior+15% +0.78 fi fe Avera a Avera a Avera a Avera e 5ha tlll Rectan tiler/Avera e E ual E ual ~ E ual ; Siz anin 7 075 sf / R-1 5 662.8 sf / R-L 6 969.6 sf / R-M 7841 sf / R-M ; llUfitle a Public Wt ~ Sewer Pub.Water8Sewer Pub.WaterBSewer Pub.WaterBSewer Too Other SI. Incline E ual ~ E ual E ual Sales ar Flnancing NA None None None Concessions Net Ad . otai - + - + - + 0.78 Indicated Value of Subject Net % 7.42 Nof % 7.89 Net 14.9 % - 6.01 Comments on Markel Data: After a search. the sales selected ware considered the best available Sales #1 and #2 subsequently improved with a sin le fami homes. Sale #2's s eculatlon home is current) on the market. Sale #3 backs onto the railroad tracks. Sale location considered inferior. Lots within view of the sub'ect and one next to the sub act sold. in 2005 for 37 333 eac .Sea Addendum Comments and Conditions of Appraisal: Adjustments were based on market extractions and/or iudaement Other prior sales of the comparables occurred more than one ear a o. No a reement of sale nor listin resent. No warren of the a raised is iVen or im lied. Your a raiser's conclusion of value is based u on the assum lion that there are no hidden or tine arent conditions of the ro art that mi ht im act u on buildabili . The a raiser recommends due dill ehce be conducted throu h the local buildin de artment or See Addendum Flnal Reconcillatlon: Most wei ht laced on Sales #1 and #2. Takin all Into consideration it ism o inion that the unit indicator is 7.75 er s uare foot. The estimated market value is calculated as follows: 7075 sf x 7.75/sf = $54 831 rounded to 55 000. "Retros cove Market Value as of the date of death. 1 EB I HE YALU ,,~~DEF~INED, SUBJECT PBDPEaTY AS OF _ November 13. 2009'*' to be $ 55 000 Karen Damey PA Cert. General Real Estate Appraiser ^ Did ^ Did Not PhyslcaUy Inspect Property A raisers Review A raiser if a Iicable [Y 2K] L.G. Connor Real Estate Appraisers Form LND - °~nTOTAL" appraisal software by a la mode, inc. -1-B00-ALAMODE Supplemental Addendum Fil•Nn ne ,~~vn Borrower Client NA Pro a Address 803 Fairfield Street C' Mechanicsbur Coun Cumberland State PA L Code 17055 Lender Richard C. Snelbaker Es uire • URAR: Sales Comparison Approach Cont'd: Given the age of these immediate neighborhood sales and adjus#ing for time, the subject should sell for more. Most weight given to Sales #1 and #2 which had no adjustments. Due to the limited supply of available lots in the area, your appraiser put most weight on Sale #2. "Comments and Conditions of Appraisal Cont'd: municipality to investigate buildability and whether the property is suitable for intended use. The appraiser makes no representations, guarantees or warranties. Definition of Market Value: The definition of Market Value is from regulations published by federal regulatory agencies pursuant to Title XI of the Financial Institutions Reform, Recovery, and Enforcement Act (FIRREA) of 1989 between July 5, 1990, and August 24, 1990, by the Federal Reserve System (FRS), National Credit Union Administration (NCUA), Federal Deposit Insurance Corporation (FDIC), the Office of Thrift Supervision (OTS), and the Office of Comptroller of the Currency (OCC). This definition is also referenced in regulations jointly published by the OCC, OTS, FRS, and FDIC on June 7, 1994, and in the Interagency Appraisal and Evaluation Guidelines, dated October 27, 1994. Scope of Work: Observation of the land without walking the entire perimeter. Review of the REDS courthouse data and Central Penn Multi-List, Inc. records. Review the county tax map online information, county tax map, zoning, and FEMA flood maps. Verifying, if possible, the comparable sales with broker, agent, seller or buyer. NOTE: Appraiser cannot guarantee that property is free of encroachments or easements, and recommends further investigation and survey. Special Limitlna Conditions: Appraiser did not walk the perimeter of the property. The inspection is not technically exhaustive. The inspection does not offer warranties or guarantees of any kind. The appraiser is not a home or environmental inspector. The appraiser provides an opinion of value. The appraisal does not guarantee that the property is free of defects or environmental problems. The appraiser performs an inspection of visible and accessible areas only. l1RAR: Supplemental Certifications 1 certify that, This SUMMARY APPRAISAL REPORT was prepared for the exclusive use of Richard C. Snelbaker (client) for estate settlement and no other use is intended. Estimated market value is the most probable price in terms of cash or in terms of financial arrangements equivalent to cash. The information and opinions contained in this appraisal set forth the appraiser's best judgment in fight of the information available at the time of the preparation of this report. Any use of this appraisal by any other person or entity, or any reliance or decisions based on this appraisal are at the sole responsibility and at the sole risk of the third party. I accept no responsibility for damages suffered by any third party, as a result of reliance on or decisions made or actions taken based on this report. In my opinion, the reasonable exposure time linked to the value opinion is up to 180 days. 1 further certify that, to the best of my knowledge and belief: -The statements of fact contained in this report are true and correct. -The reported analyses, opinions, and conclusions are limited only by the reported assumptions and limiting conditions, and are my personal, impartial, and unbiased professional anatyses, opinions, and conclusions. - I have no present or prospective interest in the property that is the subject of this report or to the parties involved with this assignment. - My engagement in this assignment was not contingent upon developing or reporting predetermined results. - My compensation for completing this assignment is not contingent upon the development or reporting of a predetermined value or direction in value that favors the cause of the client, the amount of the value opinion, the attainment of a stipulated result, or the occurrence of a subsequent event directly related to the intended use of this appraisal. - My analyses, opinions, and conclusions were developed, and this report has been prepared, in conformity with the Uniform Standard of Professional Appraisal Practice. - I have made a personal inspection of the property that is the subject of this report on December 4, 2009. - No one provided significant professional assistance to the person signing this report. -This appraisal has been prepared in conformity with the requirements of the Code of Professional Ethics the Standards of Professional Appraisal Practice of the Appraisal Institute. - T e use of this report is subject to the requirements of the Appraisal Institute relating to review by its out o ' ed represen atives. ,,~~//~~ ~ rei~Dar`ne r, A~ertr~fied Gen al Real Estate Appraiser / GA001260L and duly Form TADD - "WinTOTAL° appraisal software by a la mode, inc. -1-800•ALAMODE DEFINITION OF MARKET VALUE: The most probable price which a property should bring in a conrpetiUve and open maricet under all condUfons requisite to a fair sale, the buyer and seller, each acting pendently, knowledgeably and assuming the price is not affected by undue stimulus. Imptictt in this definition is the consummation of a sale as of a specified dale and the passing of UUe from seller to buyer under condtlons whereby: (1) buyer and seller are typically motivated; (2) both parties are well informed or well advised, and each acting in what he considers his own best irderesk (3) a reasonable Ume is allowed for exposure In the open market; (4) payment is made in terms of cash In U.S. dollars or in terms of Unancial arrangements comparable thereto; and (5) the prtce represerds the normal consideration for the properly sold unaffected by special or creative financing or sales concessions* granted by anyone associated with the sale. * Adjustments to the compazables must be made for special ar creative Unancing or sales concessions. No adjustments are necessary for those costs which are normally paid by sellers as a result of tradition ar law in a market area; these costs are readily iderdifiable since the seller pays these costs In virtually all sales transactions. Special or creative Tinancing arljustmerds can be made to the comparable property by comparisons to Unancing terms oifered by a Third party Institutional lender that Is not already Involved In the property or transaction. Any adjustment should not be calculated an a mechanical dollar for dollar cost of the Unancing or concession but the .dollar amount of any adJustrnent should approximate the market's reaction to the financing or concessions based on the appraiser's Judgement STATEMENT OP LIMITING CONDITIONS AND APPRAISER'S CERTIFICATION CONTINGENT AND LIMITING CONDITIONS: The appraiser's certification that appears in the appraisal report Is subject to the following conditions: 1. The appraiser will not be responsible for matters of a legal nature chat affect either the property being appraised or the title to It The appraiser assumes that the UUe is good and marketable and, therefore, wig not render any opinions about the title. The property is appraised on the basis of h being under responsible ownership. 2. The appraiser has provided a sketch in the appraisal report to show approximate dimensions of the improvements and the sketch is included only to assist the reader of the report in visualizing the property and understanding the appraiser's determination of Its size. 3, The appraiser has examined the available flood maps that are provided by the Federal Emorgency Management Agency (or other data sources) and has noted in the. appraisal report whether the subject site is located in an identified Special Flood Hazard Area. Because the appraiser Is not a surveyor, he or she makes no guarantees, express or Implied, regarding this determination. 4. The appraiser will not give testimony or appeaz in court because he or she made an appraisal of the property in question, unless specific arrangements to do so have been made beforehand. 5. The appraiser has estimated the value of the land in the cost approach at its highest and best use and the Improvements at their contributory value. These separate valuations of the land and improuemenls must not be used in conjunction wgh any other appraisal and are invagd if they aze so used. 6. The appraiser has noted in the appraisal report any adverse conditions (such as, needed repairs, depreciation, the presence of hazardous wastes, toxic substances, etc.) observed during the inspection of the subject property or that he or she became aware of during the rrormal research Involved In performing the appraisal. Unless otherwise stated in the appraisal report, the appraiser has no knowledge of any hidden or unappazent conditlons of the properly or adverse environmental conditions (Including the presence of hazardous wastes, toxic substances, etc.) that would make the property more or less valuable, and has assumed that there are no such conditions and makes no guarantees or warranties, express or Implied, regazding the conditlon of the property. The appraiser will not be responsible for any such conditions that do exist ar for any engineering ar testing that might be required to discover whether such conditlons exist Because the appraiser is not an expert in the field of environmental hazards, the appraisal report must not be considered as an environmental assessment of the property. 7, The appraiser obtained the information, estimates, and opinions that were expressed in the appraisal report from sources that he or she considers to be reliable and believes them to be true and correct. The appraiser does not assume responsibility for the accuracy of such Hems that were furnished by other parties. 8. The appraiser will not disclose the contents of the appraisal report except as provided for In the Ungarm Standards of Professional Appraisal Practice. 9. The appraiser has based his or her appraisal report and valuation conclusion for an appraisal that is subject to satisfactory completion, repairs, or alterations on the assumption that completion of the Improvements will be performed in a workmanlike manner. 10. The appraiser must provide his ar her prior written consent before the lender/client speclUed in the a raisal re (including conclusions about the property value, the appraiser's Identity and professional designations, p and referencesant di a~ute the appraisal report organizations or the Urm with which the appraiser is associated) to anyone other than the borrower; the mortgagee or lts successors and ass(gnslothe mortgage Insurer, consultants; professional appraisal organizations; any state or federally approved financial Institution; or any department, agency, or Instnrmentalffy of the Untted States or any state or the District of Columbia; except that the lender/client may distribute the property description section of the report only io data collection or reporting serv(ce(s) without having to obtain the appraiser's prior written consent The appraiser's written consent and approval must also be obtained before the appraisal can be conveyed by anyone to the public through advertising, public relaUens, news, sales, or other media. Freddie Mac form 439 6-93 Page 1 of 2 Fannie Mae form 10046 6-93 L.G. Connor Real Estato Appraisers form ACR - `WInTOTAI` appraisal software by a la mode, Inc. -1-800-ALAMODE APPRAISER'S CERTIFICATION: The Appraiser cerUfles and agrees that 1. I have researched the subject market area and have selected a minimum of three recent sales of properties most similar and proximate to the subject property for consideration in the sales comparison analysis and have made a dollar adjustment when appropr(ate to reflect the market reactlon to those items of significant variation. If a significant item in a comparable property is superior to, or more favorable than, the subject property, I have made a negative adjustment to reduce the adjusted sales pdce of the comparable and, if a significant item in a comparable property Is Infedor to, or less favorable than Ure subject property, I have made a positive adjustment to increase the adjusted sales price of the comparable. 2. I have taken Into consideration the factors that have an Impact on value in my development of the estimate of market value In the appraisal report I have not knowingly withheld any significant information from the appraisal report and I believe, to the best of my knowledge, that alt statements and IrdormaUon In the appraisal report are true and correct. 3. 1 stated In the appraisal report only my own personal, unbiased, and professional analysts, opinions, and conclusions, which are subject only to the contingent and tlmlUng condltons specified in this form. 4. I have na present or prospective interest in the property that is the subject to this report, and I have no present or prospective personal Interest or bias with respect to the participants in the transaction. 1 did not base, either partially or completely, my analysis and/or the estimate of market value (n the appraisal report on the race, color, religion, sex, handicap, familial status, or national origin of either the prospective owners or occupants of the subject property or of the present owners or occupants of the properties in the vicinity of the subject property. 5. I have no present or contemplated future interest in the subject property, and neither my current or future employment nor my compensation for performing this appraisal is contingent on the appraised value of the property. 6. I was not required to report a predetermined value or direction In value that favors the cause of the client or any related party, the amount of the value estlmate, the attainment of a specific result, or the occurrence of a subsequent event in order to receive my compensation and/or employment for performing the appraisal. I did not base the appra(sal report on a requested minimum valuation, a specific valuation, or the need to approve a specific mortgage loan. 7. I performed this appraisal in conformity with the Uniform Standards of Professional Appraisal Practice that were adopted and promulgated by the Appraisal Standards Board of The Appraisal Foundation and that were In place as of the effective date of this appraisal, with the exceptlon of the departure provision of those Standards, which does not apply. I acknowledge that an estlmate of a reasonable time for exposure in the open market is a conditlon in the definition of market value and the esgmate I developed is consistent wish the marketing time noted In the neighborhood section of this repod, unless I have othervvlse stated in the reconoiliation sectlon. 8. I have personally inspected the Interior and exterior areas of the subject properly and the exterior of ail properties listed as comparables in the appraisal report 1 further certlfy that I have noted any apparent ar known adverse conditions in the subject Improvements, on the subject site, or on any site within the Immediate vicinity of the subject property of which I am aware and have made adjustments for these adverse conditions in my analysis of the property value to the extent that I had market evidence to support them. I have also commented about the effect of the adverse conditions on the madretahility of the subject property. 9. I personally prepared all conclusions and opinions about the real estate that were set forth in the appraisal report If I relied on significant professional assistance from any Individual or Individuals in the performance of the appraisal or the preparation at the appraisal repod, I haae named such individual(s) and disclosed the specific tasks performed by them in the reconciliation section of this appraisal report I certify that any individual se named is qualiiled to perform the tasks. I-have not authodzed anyone to make a change to any item in the repar~ therefore, if an unauthodzed change Is made to the appraisal repork I will fake no responsibiliy far it. 10. See additional Appraiser Certifications and Limiting Conditions found in the addendum of this report. SUPERVISORY APPRAISER'S CERTIFICATION: If a supervisory appraiser signed the appraisal report, he or she certifies and agrees that: i directly supervise the appraiser whe prepared the appraisal repod, have reviewed the appraisal report, agree with the statements and conclusions of the appraiser, agree to be bound by the appraiser's certifications numbered 4 through 7 above, and am taking full responsibility far the appraisal and the appraisal report ADDRESS OF PROPERTY APPRAISED: Lot, Fairfield Street "'Census Tract 25 APPRAISER' ,r SUPERVISORY APPRAISER (only If required): Signature: ,...,. ~ G Signature: Name: Karen Darne PA Certified General Fte state A raiser Name: Date Signed: Janua 13 2010 Date Signed: State Certlfication #: GA001260L State CetUficatien #: or State License #: or State License #: State: Pennsylvania State: Exphatloh Date of Certification or License: June 30.2011 Expiration Date of Certtlicatlon or License: ^ Did ^ Did Not Inspect Property Freddie Mac Form 439 6.93 Page 2 of 2 Fannie Mae Form 1004B 6-93 Form ACR - "WinTOTAL" appraisal software by a la mode, Inc. -1-800-ALAMODE Community Map Borrower Client NA Pr Address 803 Fairfield Street C Mechanicsbur Coun Cumberland State PA ZI Code 17055 Lender Richard C. 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"fax Map L~oca~ion ~'lfIla~ ]~~e~~, ~ttde #I~e ~ day of du1.y in tlae year of ozcr Lord one thousand nine h,acndred and fifty-three. E~~t1CExt FiEI~ZY L. PdILLL17, and VERNA M. MTLLEft, his wife, of the Borough of Mec anicsburg, County of Cumberland and State of yennsylvania, parties of the first part, Grantors, AND EMORY H. GRTBBLE and MARIE E. GP2IBB:LE, his wife, of the Township of Monroe, (Mechanicsburg, R.D.#2), County and State aforesaid, parties of the second part, Grant®es. ~t#xtesse#f~, t7cat in consideration of - FOUR HtJPR)RED TET~ 0410.00) - Dollars, in Iu~nd paid, the receipt aahereof is hereby aclcnowled~'ed; the Grantors do hereby ~'rarat and convey to the said Grantee s, their Heirs and .flssig'ns, ~~X that certain lot of ground situate in the Township of Monroe (heretofore erroneously x•eferred to as Silver Spring Township), County of Cumberland and State of Pennsy]_vania; -being Lot No. 79 on' a plan of lots known its Point Comfort, laid out for George B, and Minnie C. Vogelsong by Clark A. Bryan, C.E., August 192lr, and recorded in the Recorder's Office in and for said County of Cumberland in Plan Book 2, Page 36. The above described lot of ground is granted and conveyed subject to the restriction that no buildir~s shall be erected thereon within twenty (20) feet of the front line of said lot. BETI•dG ~ttie same lot of ground which George B. Vogelsong and Minnie C. Vogelsong, ktis wife, by their deed dated September 28, 1928, arx3 recorded in the Recorder's Office at Carlisle, Pa., in Deed Book "V", .Vol. 10, Page 241, granted and conveyed to Pienry L. Miller aid Verna M. Miller, tLis vrife, the Grantors herein. aµ,... 3..:-.: ~_ Flood Map Owner Gribble Emo ~ Marie E. Address 805 Fairfield Street CU Mechanicsbur Coun Cumberland State PA ZI Code 17055 CUent Richard Snelbaker Es uire Form MAP.FLOOD - "WinTOTAL"appraisal software by a la mode, inc. -1-800-ALAMODE Subject Photo Page Bartower/Client NA P Address Lot Fairfield Street C Mechanicsbu Coun Cumberland State PA Zi Code 17055 Lender Richard C. Snelbaker E uire Subject -view from street Lot, Fairfield Street Sales Price NA Gross Living Area Total Rooms Total Bedrooms Total Bathrooms Locagon Average View Average She Quality Age Subject Street Subject Street Form PIC3x5.SR - "~nTOTAI" appraisal software by a la mode, inc. -1-800-ALAMODE REV•1508 EX • (6-98) COMMONWEALTH OF PENNSYLVANIA INHERITANCE TAX RETURN SCHEDULE E CASH, BANK DEPOSITS, & MISC. PERSONAL PROPERTY ESTATE OF FILE NUMBER Marie E. Gribble 21 091072 Include the proceeds of litigation and the dale the proceeds were received by the estate. All property jointlyowned with the AgM of survivorship must ba disclosed on Schedule F. ITEM VALUE AT DATE NUMBER DESCRIPTION OF DEATH 1 PNC Bank, N. A. checking account #5005850541. Account is a VA Custodial account, with David E. Gribble as Custodian. Account is non-taxable and is listed for informational purposes only. Account balance at date of death was $1,497.68. 2 Household goods 0.00 3,850.00 TOTAL (Also enter on line 5 Recapitulation) $ ~ 3 850 00 3W48AD 1.000 (If more space is needed, insert additional sheets of tha same size) REV-1509 IX+(Ot-10) pennsylvania DEPPATMENT OF REVENUE INHERITANCE TAX RETURN RESIDENT DECEDENT SCHEDULE F JOINTLY OW NED PROPERTY wl„~c vr: FILE NUMBER: Marie E. Gribble 21 09 1072 If an asset became jokitly owned within one year of the decedent's date of death, k must 6e reported on Schedule G SURVNING JOMlT TB~LANfT(S)NAME(5) I ADDRESS RaAT1pN$Hp TO DEC®Ef~fi A Gribble, David E JOINTLY OWNED PROPERTY: 641 Whiskey Springs Road, Boiling) Springs, PA 17007 Son ~~ Nt~~~t LETTER FOR JpM TENNIT MTE MADE JOIM DES~pry OF Ff20PBtTY INCLIIpE NUE 6FltUNf:NLIlBTITUfIOR ENO &1M(~CCgNfl NU.HER ORSWIAR IOENTIFTIRGNMEER. ATT~CR pEEOFtliJpNTLY HELD REFL ESTATE. DATE OF DEATH VALUE OF ASSET % OF II`3 M1fH2EST QATE OF DEATH VALUE OF DECH7B~ft'S tNf6EEST 1 A Prior to PNC Bank, N.A. 10,389.61 50.0000 5,194.80 2004 checking account #5070079941 TOTAL (Also enter on Line 6, Recapitulation) S 5 . 1 Qd Rrl ewssaE z.ooo If more space is needed, use additional sheets of paper of the same size. REV-1511 EX+(10.09) pennsylvania DEPARTMENT OF REVENUE WHERITANCE TAX RETURN SCHEDULE H FUNERAL EXPENSES AND ADMINISTRATIVE COSTS ESTATE OF FILE NUMBER Marie E. Gribble 21 091072 Decedent's debts must be reported on Schedule 1. ITEM NUMBER DESCRIPTION AMOUNT A. FUNERAL F,CPENSES: 1. None B. ADMINISTRATIVE COSTS: 1. Personal Representative Commissions: Name(s) of Personal Representative(s) Street Address City State ZIP Year(s) Commission Paid: 2. Attorney Fees: Snelbaker & Brenneman, P.C. 4,250.00 3. Family Exemption: (If decedent's address is not the same as claimant's, attach explanation.) Claimant Street Address 4. 5. 6. 7. 1 2 City State ZIP Relationship of Claimant to Decedent Probate Fees: Accountant Fees: Tax Return Preparer Fees: Cumberland Law Journal advertising Executor Notice Leffler Energy heating oil Total from continuation schedules 306.00 75.00 1,035.47 1,849.88 TOTAL (Also enter on Line 9 Recapitulation) ~ $ 7 51 9W46AG 2.000 If more space is needed, use additional sheets of paper of the same size. Estate of: Marie E. Gribble 21 09 1072 Schedule H Part 7 (Page 2) 3 Patriot News advertising Executor Notice 156.03 4 PPL Electric electric service 24.03 5 RSR Appraisers & Analysts appraisal fee 650.00 6 United Water Pennsylvania water service 17.82 7 Reserve for filing fees, accountant fees, and other miscellaneous costs associated with the administration of the decedent's estate. 1,000.00 Total (Carry forward to main schedule) 1,849.88 REV-1512 EX • (12-OB) Pennsylvania SCHEDULE I DEPPRTMENT OF REVENUE DEBTS OF DECEDENT, INHERITANCE TAX RETURN MORTGAGE LIABILITIES & LIENS RESENT DECEDENT ESTATE OF FILE NUMBER Marie E. Gribble 21 09 1072 Report debts incurred by the decedent prior to death that remained unpaid at the date of death, including unreimbursed medical expenses. ITEM VALUE AT DATE NUMBER DESCRIPTION OF DEATH 1 Claremont Nursing 6 Rehabilitation Center nursing home care 564.65 2 Monroe Township sewer services 193.50 3 PPL Electric electric service 10.36 4 United Water Pennsylvania water service B 91 BW48AH 2.000 TOTAL (Also enter on Line 10 Recapitulation) ~ 5 If more space is needed, insert additional sheets of the same size. REV-1513 EX+(01-10) Pennsylvania OEPARThENf OF REVENUE INFERITANCE TAX RETURN RESIDENT DECEDENT OF: tylariEa F._ (_ri}~}~le FILE NUN~ER: GL V 7 iV /L RELATIONSHIP TO DECEDENT AMOUNT OR SHARE NUMBER NAME AND ADDRESS OF PERSON(S) RECEIVING PROPERTY Do Not List Trustee(s) OF ESTATE I TAXABLE DISTRIBUTIONS [Indude outright spousal distributions antl transfers under Sec. 9116 (a) (1.2).] t. David E. Gribble 641 Whiskey Springs Road Boiling Springs, PA 17007 All of Residue: 170,751.03 Son 170,751.03 ENTER DOLLAR AMOUNTS FOR DISTRIBl1TIDN5 SHOWN ABOVE ON LINES 15 THROUGH 1 8 OF REV-1500 COVER SHEET, AS APP ROPRIATE. II NON-TAXABLE DISTRIBUTIONS A. SPOUSAL DISTRIBUTIONS UNDER SECTION 9113 FOR WHICH AN ELECTION TO TAX IS NOT TAKEN: 1. B. CHARITABLE AND GOVERNMENTAL DISTRIBUTIONS: 1. TOTAL OF PART II -ENTER TOTAL NON-TAXABLE DISTRIBUTIONS ON LINE 13 OF REV-1500 COVER SHEET. b 0.00 9W46A1 2.000 •• •••°•" .,,.....e ~~ ^°°~~w w~~ au~~r~~~~a~ sneers ui paper or me same size. SCHEDULE J BENEFICIARIES 0 uw o~ices $NELBAKER. 6RENNEMAN & SPARE LAST WILL AND TESTAMENT I, MARIE E. GRIBBLE, of the Township of Monroe, County of Cumberland, and Commonwealth of Pennsylvania, being of sound and disposing mind, memory and understanding, do make, publish and declare this as and for my Last Will and Testament, hereby revoking and making void all former wills and codicils by me at anytime heretofore made. FIRST. I order and direct that all my just debts and funeral expenses be paid by my Executor, hereinafter named, as soon as conveniently maybe done after my decease • SECOND. I give, devise and bequeath all the. rest, residue and remainder of my Estate, real, personal and mired, whatsoever and wheresoever situated, unto my son, DAVID E. GRIBBLE, absolutely and in fee simple, if he survives me. THIRD. If my son, DAVID E. GRIBBLE, should predecease me, then and only in that event, I give, devise and bequeath all the rest, residue and remainder of my Estate, real, personal and mixed, whatsoever and wheresoevex• situated, unto JEANETTE GRIBBLE (wife of David E. Gribble), absolutely and in fee simple. LASTLY. I nominate, constitute and appoint my son, DAVID E. GRIBBLE, to be the Executor of this, my Last Will and Testament, but if my said son should fail to qualif~~ as such Executor or cease so to sex•ve, then and in that event, I nominate, constitute and appoint JEANETTE GRIBBLE, to be the Executrix hereof, each and both to serve without bond or other security as a condition of qualification hereunder. IN WITNESS WHEREOF, I, MARIE E. GRIBBLE, have hereunto set my hand and seal to this my Last Will and Testament, which consists of two (2) typewritten pages to each of which I have affixed my signature this 5th day of October, A.D., Two Thousand One (2001). e ~~ ~~~G2~P-G~-~e1 (SEAL) RIE E. GRIBBLE LAW OFFICES SNEL9AKER. BRENNEMAN & SPARE The preceding instrument, consisting of this and one (1) other typewritten page each identified by the signature of the Testatrix, was on the date thereof signed, sealed, published and declared by MARIE E. GRIBBLE, the Testatrix therein named, as and for her Last Will and Testament, in the presence of us, who, at her request, in her presence and in the pres ce of each other, have subscribed our names as witnesses hereto. . ~6-.cs'-,...~-~ COMMONWEALTH OF PENNSYLVANIA) • SS. COUNTY OF CUMBERLAND ) We, MARIE E. GRIBBLE, RICHARD C. SNELBAKER and JANE J. GOONEY, the Testatrix and the witnesses, respectively, whose names are signed to the attached or foregoing instrument, being first duly sworn, do hereby declare to the undersigned authority that the Testatrix signed and executed the instrument as her Last Will and Testament and that she had signed willingly, and that she executed it as her free and voluntary act for the purposes therein expressed, and that each of the witnesses, in the presence and hearing of the Testatrix, signed the Will as a witness and that to the best of his or her knowledge, the Testatrix was at that time eighteen years of age or older, of sound mind and under no constraint or undue influence. Subscribed, sworn to and acknowledged before me by MARIE E. GRIBBLE, the Testatrix, and subscribed and sworn to before me by RICHARD C. 3NELBAKER and JANE J. GOONEY, the witnesses, this 5th day of October, 2001. -2- W'tness