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11-17-11 (2)
1505 ~~~~1 ~ rol.~ol I~r 61014 3 ~ ~ of IndlviduaRT 1~ii~ psnneylvania OFFICIAL USE PO BOX.2808p~ ONLY Harrisburg, PA 17128-pgpt INHERITgNCE T c~ c°~° Yw IU( RETURN 21 Fib Nun,„ ENTER DECEDENT INFOIitM,q~ryON BELOW REBiDENT DECEDENT 11 Saul Security Number 0 716 183 12 4 7 64 Date of Death 11 18 Date of Birth Decedent's Last Name 2 010 0 8 21 1921 80RTON Suffix Dew . ^ 2. Suppbrngn~i Retum ^ FuGra ~p~, aa. rdaaordan,anri2.~2.g 1 ^ ~• A~~,~~la Living Tent ^ 10. ~~ dsau ^ 3. Remainder Re4rm (date ~ d~ tx'wr ro 12.13-e2> ^ 5. Federal Estate Tax Rehrm Required ------ 8. Tt~l Number o/ Bak p~~ ~~ C Sec. 9113 ~~ESPD~IT -THIS SECTION MUST t;tE C~LETED. ALL CORRESPONDENCE AND CONF~ M1C~L L BANGS NT~D Tam ~MAnoN sHOtaLD eE DtRECrED ro: Phorts Number 717 730 7310 ^ 4. Limited EtNate ^ 6. Dao~de-k Died TeWta (Alba, Copy awHq ^ 9• won Proceeds R nt s First Name (ff Applicabis E CBARLOTTE MI rater SurWving SParse's Information Below E Spouse's Last Name Suter Spouse's First Name Spouse s Soc~:3tl Security Number MI THIS RETURN MUST BE FILED IN DUPLICATE WITH THE FILL INAPPROPRIATE OVALS t3ELOyy REGISTER OF ~ 1. or~inai Ream WILLS First Iine of ~~ 429 30tJTH 18TH STRHgT Second IiM Of tidd~ City or Post t~ ~ BILL State PA C°neaPondtlnt's s~ ~~: rt is~true °I,w~°'_~! dad_ar. that i L 150561D143 Side 1 REGISTER OF Vylug U3 E QNLY ^ ~ ~ ., ~. ~_ ... _ ~~_ , . "'~ ;, _ c -- . ZIP Code ~ ILED '~ _ _ -~' .. _.. 'ri c~; ~~ -~,.. ,,, .R, tw any k„orvledQe 150561D143 J REV-1500 EX w«a.,w. n.,,,,: Horton, Charlc>-t~ E, ~~ITt1LATION 1505610243 1. Real Estate (Schedule A ................ 2• Stocks and Bonds (Schedule B) .................... ............................ 3. Close ............ N Held Corpo~ion, Partne-ahi or • ................ P Sole-Proprietorship (Schedule C)......... 4• Mortgages g Notes Receivable (Schedule D) .............. 5. Cash. Bank .......................................... Deposits & Misoetlanepus Personal Pro Perty (Schedule E). 8. ~ Owned grope ~ M~~uneous ~ Separate Billi R .............. (Schedule G) t'4o4-Probate Property, guested............ ~J karate Billing Requested............ 8. Tohl Gross AsaeM (total Lines 1-7 ........... ..................................... 9. Funeral ......... ~en~ ~ Administrative Costs Schedule M .............. ( ) 10. of ......................... Decedent, ~rt9age Liabilities. $ liens (Schedule 1}. 1 2. 3. 4. 5. 8. 7. 8-_ 9. 11. Total t)eductions (total Lines 9 $ 10) ............. ............................. 10. ...................................................... 11. 12. ~ y~ ~ ~~ (Lithe 8 minus Line 11 .............. 13. Charitable and Go~mmental ) ~Quests/Sec 9113 Trusts for which ...................... 12. an election to tax has not been made (S~edule J) ............................................... 14. Nst Value 3 ( 13. ~~ ~ Taz Line 12 minus Line 13).. . TAX COMPUTATION . g ......... EE INSTRU ................................... 14. 15. Amount of Line 14 taxable CTIONS FOR APPLIC,q~E RATES at the spou~l ~ ~. or (a)(~ ~ ~~ Sec. 9116 18. Amount of Line 14 taxable 15. at lineal rate X .045 17. Amount of Line 14 taxable 0.00 1s. at sibling rate x .12 18. Arnount of Line 14 taxable ~ • ~ ~ 17. at collateral rate X .15 0.00 18. 19. Tax Due .................................................................................................................. 19. 20. FILL IN THE OVAL IF YOU ARE REQUES.I.ING A REFUND OF AN OVERPAYMENT L 1505610243 Side 2 DecedenPs Social Security Number 183 12 4764 7,100.00 5,139.00 562.11 12,801.11 10,740.80 76,143.85 86,884.65 -74,083.54 -74,083.54 0.00 0.00 0.00 ~ . 00 0.00 1505610243 J REV-1500 EX Page 3 Cecedent's Comp~~ Addlress; Fite Number 21.11-0716 DECEDENTS NAME Horton, Charlotte E. STREETADDRESS --~ 'I6th Street - cITY New Cu~bsriand STATE ZIP PA Tax Payments and Clredits; 1. Tax Due (Page 2, Line 19) 2• Credits/PaY-nents A. PriorPaymer>ts (1) B. Discount __ 0.00 Total Credits (A + g) (2) 3. Interest 4. If Line 2 is groater than Line 1 + Line 3, enter (3) Check box ~ d~erence. This is the OVERPAYMENT. on PaEe 2 Une 20 to roqusst a rofund 5. If Line 1 + Lira? g ~ greater than Line 2, enter the d' (4) ~/ferenoe. This is the TAX DUE. (5) Check Payable to: PLEASE ANSNIER THE FOLLOMYlNG QUESTIONS BY PLACING A N "X" !N THE AppROp 1 • ~ decedent make a transfer and: ~ BLOCK$ a• retain the use or income of ~ pr~erty transferred :.............. b• retain the right to dasigna~ y~o shall use the Yes No ................ c. retain a re Property transferred or . ................................................. versioMary interest; or............ rts income :.............. . .. ................................................ d• receive the promise for IiNe of either ........... .................... 2• H death occurred after PaYmerns, benefits or care?............ ................................... x reoenrrng adequate coma' ........................... December 12, 1982, did decedent transfer property within one ~deration? ................ ...................... 3. Did ............................................. Year of death without decedent own an 'in t 0.00 0.00 o.oo rust br• or payabb u .................. . Did Pon death bank a ................................... dent own an Indnndual Retirement xount or security at his or her death?....... EWER TO ANY O~eneficiary ~aignatbn? ............. Account, annuity, or other non-probate pn~perty which a IF THE ............................ . ~ QUESTIONg 13 YES, YOU MUST C ........................... OMPLETE SCHEDULE G ..................... For dates of death on or a '~ FILE rt AS PART OF THE ~~ ~ 8 fter July 1, 1994 and before Jan. 1, 1995, the tax rate im RETURN. Percent [72 P.S. §9116 (a) (1.1). (i)]. Posed on the net value of transfers to or br the use of the survivi For dates of death on or after .lama 1, 1 [72 P.S. §8116 (a) (1.1 ii ry ~~ the tax rate imposed on the ^~ ()) The statute does not exem ~t value of transfers to or for asaetg and filing a tax return are still aPPlicalple even if the uNrysfer to a survivi ~ ~e of the aurvivi a For dates of n9 spouse from tax, and the statuto ~ Posse is 0 Percent death on or after July 1, 2000; ~ mouse is the only beneficiary, rY regwrements for discbsure of • ~ ~ rate imposed on the net value of t~a~~f~r~ from a deceased ~ Parent, or a stepparent of the child Is 0 child 21 ars of age or you • The tax rate imposed on the net value of trtansfera tt or for the use of the(deced2ent's lineal pen ~r at death to or br the use of a natural 72 P.S. §9116 1.2) p2 P.S. §9116 (a) (1)j, Parent, an • The ~ rete Posed on the net value of efic~ariea is 4.5 percent, ex sibling is defined under transtera to or br the use of the cept as noted in Seaion 9102, as ah individual who has at least one~Psrennt n co mon 12 Peroent [72 P.S §9116 (a) (1 3) . A with the decedent, whether by b~ or adoption. 17070 ~-16e2 Dt+ (11~e) ~~~ ~~~ ~~oF v""~ err ESTATE OF ~CH~t~#~ILE q REAL ESTATE FILE NUMBER ~ rw ~ w~ea,,,,,~'Ot'+~'~,~'N ~ a ant in e~wn nwa b~ 21-11-0716 b+Yer rW a wil4np +Nlsr, r~Pabrf a far m~ek~t P'on«er which b lwney ~ ~mPaba to c„y «~F+~r~meAcet vaus is dser,ed as the anc, a -taht a must a~'blagyyt~ or a~srstw,,,ta°bcq' "oWd bs ITEM 1~tud.. copy a ~ Wwaa'°wbwp dcekbnp~s M~-ut Ir own.d„ M NUMBER ~,,,. DESCRIPTION VALUE AT DATE Real Estate - 92416th Street, New Cum -~)• The real t'-state is owned joint) befiand' Pennsylvania (Tax Parcel No. OF DEATH joint tenants kith the ri y by the decedent and her dau 26-24.0609 Via' See aPP~isal ~ 9ht of survivorship. decedent owns cone-half inte~y J. ~~' 7,100.00 Port attached• teat in the real TOTAL (Also enter on Une 1, Reca CoPfm9ht (c) 2009 form software ony The (~ ~~ b needed, addMional Papea of the same size) pibulatton) 7.100.00 r'rouP. Inc. Form PA-4500 Schedule A (Rev. 11-08) Rw-lees EX+ (~.ye) ~HEEt11E E CASH BANK DEPOSITS, $ MISC. ,,,~~, PERSONAL PROPERTY ESTATE OF Horton ChaNotbs E. FILE NUMBER "" P'°~r~~~~w ~ »~ypn~~ °nr~ a `.~~o.n~~°° bbyy n,°,~.. 21-11-0716 °agos°don eo1~y° F. ITEM NUMBER ~ DESCRIPTION Sale ~ Pen>:onal property itama at auction VALUE AT DATE OF DEATH 5,139.00 TOTAL (Also enter on Line 5 R CopYry9M (c) 2002 form sollware on (~ ~° ~ a needed, ~Aitulagon) IY The Lackner Group, Inc. ' d ~1Q °8R1°'~O~ 5,139.00 Form PA-1500 Scredule E (Rev. 6-98) __ Rw-ttiea pt. (~) ,~°f~vAwa ESTATE OF ~~~~ F JOINTLY-OWNED PROPERTY tr.,,,,a ~„~ SURVIVI i~ "~' °"'rarW a» d'ad.^r• daM w d.•p,, k n~ n. NG JOINT TENANT(S) NA6AE A• ~V@fly/ J. ~B ADDRESS 203 Lancer Court Kiil Devil Hiils, NC 27948 B. C. JOINTLY OWNED PROPERTY: N IUMBfR ~~ R DATE J01NTE 1 I A FILE NUMBER --~ 21-11-0716 °" . tx RELATIONSHIP TO DECEDENT Daughter iNauoE DESCRIPTION OF PROPERTY NUMBER ~ ~ F~NgNC~l1L INSTfTN~pN qNp 6ANKA000UNT BAR ~CENTIFI'tNG NUMBER. gTTgCFI DEED FOR DATE OF DiEATl'1 °A OF ~~ ~ t~TH ronvTLr.~E~o R~ esrATE. ALOE OF ASSE DECD'S vALUE of PNC Bank N. INTEREST ~CEOEnn's ~-+TEREST Account 51.4p22- g 8onrtant:e Checking 1,124.21 SO,p~.x 562.11 TpTAL (Also enter on Line 6 R~ltulatbn) ~PY~ght (c) 2002 form software only The ~~~ P, 1 PaDes o/ the same aiml 562.11 Form PA-1SQ0 S~hedub F (Rev. 6-913) 2~~~""a ---_., ESTATE OF ITEM A. ~ FUNERAL SClf~LE H FUNERgL EXPENSES ~ ems.....--- ~ E. FILE N MBEU R Debts of ~cedent must be re 21-11-0716 Ported on Schedule I. DESCRIPTION AMOUNT See continuation schedule(s) attached aso3sz B• ADMINISTRATIVE COSTS: ~. Personal RePnesentative~s Name of Personal R Co--ttrnssions mproser-tative(s) Street Address City Year(sl Commissiorh oaid State Zio 2. Attomev's Fees Michael L. Bangs 5,000.00 3. Family ~efnption: (If decedent's address is not the same as GaananYs, attach e~lanation) Claimant Street Addreaa City R~ionshio of Claimant to State Zio Decedent - 4• ~ Probate Fees 5' ~ AccountarrPs Fees I 104.50 6• I Tax Retum P-eParer's Fees 7 Other Administrative Costs See continuation ~~ule(s) attached 732.q TOTAL Als o entier on lute 8, Recapltulationl CoPynght (c) 2009 form soRware only The Lackner 10,740.80 Group, Inc. Fonn PA-1500 Sdredule H (Rev. 10-06) FUNERAL EXPENS S~~DU~ H AND ADMINISTRATIVE COSTS continued ESTATE OF FILE NUMBER 21-11-A716 ITEM NUMBER DESCRIPTION 1 Gallop Funeral Services, Inc. 2 Parthemore Fun~raf Home 8 C^ernation Services, Inc. ~A~mioifset~>v 3 Cumberland Law.Journal -estate advertlsement 4 K R Macponald - ~ for estate bond 5 Pamela Reitenbach ,Inc. - real estate appraisal s The Sentinel -estate adverasernent CoPY-lght (c) 2002 hmn sollwaro only The Lackner Group, Inc. AMOUNT 2.245.00 2,ess.s2 H-A 4,903.62 75.00 100.00 400.00 157.68 H-67 732.68 Form PA-1500 Schedule H (Rev. 6-98) Rw-1612 D(. (12-0a) ~-~ ~f~ r~ic`T~ui ESTATE OF ~~~~~~ DEBTS OF DECEDENT, MORTGAGE LIABILITIES, $ LIENS - FILE NUMBER 21-11-0716 import a.a. tneuny~ by u» d.s.~.,,, prior ro dNdt that ITEM nnw~.d unpaid u tl~s dab a NUMBER a.n,, inc i~q wrN'"A'""° "~ asPanaaa 1 DESCRIPTION AR Resour+ces~ Ik~c _ New Cumberland Amb l . VALUE AT DATE OF u ance pEATN 2 Chapman Fuel 0~1 Service 478.00 3 EVMS Health Serlrices 761.41 4 Food Lion 53.27 5 New Cumberland Borou h - 9 seweNtrash 32.05 6 PA American yyatdr C °mPany - 8/2/11 186.88 7 PA American Wateir C °mpanY -1/12/11 33.56 8 PA American Water C omPanY -5/31/11 30.81 8 Payment of elecMc bill 55.04 10 Payment to Loan -1'1/15110 38.43 11 Payment to Loan -12/15/10 500.04 12 Payment to loan -1118/11 500.04 13 Payment to loan - 2/18/11 500.04 14 Payment to Priority 50 Pius 1320488 500.04 15 Payment to Pri ~~ o~tY 50' Plus 4.00 16 Payment to Prio ~Y 50 ~ Plus 8520008 4.00 17 Payment to P rioritY 50 Plus 9786858 4.00 4.00 Total of Continuation Schedule Ses ar,~~ Page TOTAL (Also enter on Llne 10, Recapituiatlon) Copyright (c) 2009 form software on The („ ~ a>e~ ~ nod' 0"a~ or ~e same size) 76,143.85 IY L.ak:kner Group, Inc. Form PA-1500 Schedu~ I (Rev. 12-08) I Rw-1612 p(~ (~) ~ ~~ ~~®,. ESTATE OF ~~~ DEBTS OF DECEDENT, MORTGAGE LIABILITIES, ~ LIENS continued FILE MUIMBER 21-11-0716 ITEM NUMBER 18 PNC Home 19 Waigr+eens 20 Walgr+eens LDafl DESCRIPTION VALUE AT DATE OF DEATH 72.395.17 27.09 24.88 TOTAL (Also entoer on Line 10, Recapitulation) CoPYrl9ht (c) 2002 form 76.143.85 soRware only The Lackner Group, Inc. Form PA-1500 Schedule I (Rev. 6-98) REV-161JEX+(11-00) ESTATE OF Horton ~IJLE J BENEF~~gRiES Ch rbtte E, FILE NUMBER NUMBER INANE qNp ADpRESS OF RELATIONSHIP TO 21"~~-0716 PER~ON(Sl RECEIVI I. TAXABLE DIS NG PROPERTY DECEDENT SHARE OF ESTATE TIRIBU'-'tONS [include outright si~ousai AMOUNT OF ESTATE diahibutions, a (Words) (~) under Sec. 9116 e~12 ~ Beverly J. IKysra Kill De~ iib NC 27848 Daughter Charles R. Myers Poet ORice Box 309 Grandson Avon, NC 27915 James R. Myers Grandson Avon,~NC 2 8~~703 jj NON-TAXABLE DtSTR QNS: snOYYn above On ' 15 h 18 on 15tjp Toq~ I • A. SPOUSAL OISTRIB cover sheet as U770NS UNDER SECTION 9113 FOR WHICH AN ELECTION TO TAX IS NOT T AKEN B CfWRITABLE AND ~~RNMENTAL DISTRIBUTIONS -- - .~.. ~~ - rev r>~ TO ~PYri9ht c -T ()2009 ~orrn sotlwaro ony The Lackner group Inc. DISTRIBUTI ON LI 13 OF REV.15pp CO R StfE Form PA-11+09 Schedule J (Rev. 11-08) LOCATED AT 924 16th Street New Cumberland, Pq 17070 The Estate of Charbtte E. Horton FOR Michael L. Bangs, Esquire Bangs Law Office 429 South 18th Street, Camp Hill, PA 17011 11/18/2010, Date of DS tOFt;harbtte E. Horton BY Pamela M. Reitenbach PA Certified General Real Estate Appreiser Pameha M. Reitenbach, INC. 5113 Circe Drive Harrisburg, PA 17112 reRenbach~dcompst net form GA1NV-'WInTOiAL' appraisal software by a la mode, Inc. -1.600•ALAMODE SUMMARY APPR~-ISAL REPORT Pamela M. Reitenbach, INC. 5113 ICirGe Drive HarrisWurg, PA 17112 re itentlacht~com cast. net October 14, 2011 Michaey L. Bangs, Esquire Bangs ~.aw Office 429 South 18th Street, Camp Hill, PA 17011 Re. Proberty; 924 16th Street Bordower: N/A Cumberland, PA 17070 File No.: 11-109 Opinion df Value: $ 7,100 (Partial Interest) Effecti~ bate: 11/18/2010 In accordance with Your request, I have prepared a Summary appraisal Report for the roe I Street, Neiw Cumberland Borough, Cumberland County, New Cumberland, Pa 17070. P P rty orated at 924 16th The intendHd use of this appraisal is to proNde an opinion of market value of the property for estate settlement Purposes. This report is based on a Physical analysis of the sRe and Improvements, a locatbnal ana neighborhgod and borough, and an economic analysis of the market for Properties such as the subject. The a was devebped and the report was lys~ of the Practice. Prepared in accordance with the Uniform Standards of Professbnal ppreisal Appraisal Within this 8nalysis an opinbn of the retrospective market value of the subject, as of the date of death of Ms. Charlotte E. Horton oh November 18, 2010 is provided. From this a second opinbn of value is rovided limiti cb P which reflects the partial interest held in the property by the Estate of Charlotte E. Horton, Both values are corrtingent upon the certifbations and n9 ndrbons attached. The date of Inspection was October 5, 2011. it has been g pleasure to assist you. Please do not hesitate to contact me or any of my staff i/ vre can service to you be of additional Sincerey, Q~~~ ,~,. Pamela M. Reitenbach, PA Cued General Real Estate Appraiser License or Cer~ificatlon #: GA001804 State: PA E~ires: 08/30/2013 SUMMARY OF SALIENT FEATURES Sub)ect address Leg81 Descripgon Clry County Sate Lp Cade Census Tract Map R9Ference Sale Pd¢e Date of Sale Client Appraiser S(ze (Squafe Feet) Price per Spuare Foot Locafion Age CoMitlon Total Rooms Bedrooms BaVws Appraiser Date of Appraised Value Opinion of Value 924 16th Street Cumberland County Recorder of Deeds, gook 158 Page 1039 New Cumberland Cumberland PA 17070 25420.0107.00 26-24-0809 $ N/A N/A Michael L. Bangs, Esquire Pamela M. Reitenbach, PA Certified Generel Real Estate appraiser 1,138 suburban 70 Poor /Fair 5 3 1 Pamela M. Reitenbach, Pq Certified General Real Estate Appraiser 11/18/2010 $ 7,100 (Partial Interest) Form SSD2 -'WlniOiAL• appraisal software by a la mode, Inc, -1.800-ALAMODE Pamela Reitenbach Locatlon -- -~~~~~"' A dro 5113CirGeDrive Harrisbl~~ Urban Suburban Rural nm rq 77011 PA 17112 -~-'-~- Buig u P ! Growth rate ^'i Over 75% ®25.75% ^ Under 25% xeupa~y I m A Rapid ®Stable ^ S ~ ) ProeeM Pend uee % On f Land uee eMnge Roperty values ^ li DauPPN ^ ( (yrs) low kicreasirp ®Stable ^ DectlN ~ Owner 90 30 Low new b ^ TenaN 400+ Shorta e amily 77 2-4 family 5 ®Not Nkey ^ Lindy ^ In process ~ ~ h 100+ ge b balance Ovrx su ^ PPN ®vacant (0-5%) Predominant er Multl-faMhr To; Rots: Rees and t Ndilhbortgod bounds 6 mo . raelal eom ~ mss' 180 +/_ 40-60 M tasltlon m the nsiObbornood ars not apprslssi incton es arM characteristi Commercial 10 IndusMal 5 S uehanna Riv Factors that affect the cs: Subiect-~d_ south of Lemoyne Borouoh eacr nr ~ and north of Fairview Townshi . ~rarkdabllity of the r "..~~ ^~~~~~ Township, west of the The ne' hbo rhood D opertles in ttr; neighborhood (proxi to employment and amenlV consists of a t n5 arteries are convei ---~ es, e I om atible mix of mosU 55 to 7 ar old detached homne ^~ +' _ .ient to the sut,~o,k ...,,,....... .. _ oyn~ent stabil a R1', Dpeal to _ _ market, etc.): Market conditlons b subject neighborhood (irx:luding support for Vxi above conclusions rebted to the trend of ro The search of coo D Perry values, demand/suPDh', and marketlng time such as data on c tlve properties for sale in ttie neghborhood, descrpton of the prevalence of sales and finandng concessions, etc.): tax records the MLS service and information oatherarl rr...., ..,..w__ ,_ ~ stable. MoRaan F ~.w.. --- -- _ ... ... ~„ r„., m~uomuon ror P APProxhnate total numbe UDe (n applicable) - - Is the devebper/bNlder In control of the Home Owners Assa of units in V i g c a on (HOA)? ie subject project N ---__ Approximate total number of oohs f r l Dimensions Pleases or sale in the subject project _~_ enc losed le al descri tion Sik area .29 acre Spectgc zonng classitlca '~ Topography Inclines from street rode Corner Lot ^ Yes ®N nand descri ti ZoNng compgarx;e ® ( p o Size on R1 -Residential Averaoe for area legal ^ Legal noncomorming (Grandf Shape R t tl ec a rered use angular ^ Igegal ^ No zoning Drainage A tlWtlee Pubec ElecidCVy ® og®ars Adequate OVxx Ott-eib ~ v I View Residenbal Pro emerde Type Publi Gas ® c Private Landsca I Sheet Macadam ® P ng ,Mature /average D Water ® tlveway Surtace -concrete /macadam Coro/gar Concrete ® O A SaNtary sewer ® Sidewa& Concrete ^ pparent easements Standard utility easements Strad lights Present ® FEMA Special Fbod Hazard Area ^ Y Commerds (apparerd adv easement f ® es ®No Age Rear ^ FEMA Zone X Map pate 3/16~2ppg- a easemeNs, encroactxnents, special assessmeNs 141 C0282E sgde , s areas, illegal or legal nonconforming zoning use etc X or utilities re resent which do not adverse affect the sfte. There are no k Standard e~roachmeMs or co iUons not now d GENERAL ASCRIPTION e . n or a arent adverse easemen~- ' EXTERIOR DESCRIPTION No. of UrdlS 1 No. of Stories 1.5 Foundatbn FOUNDATION BASEMENT Stone C. Blk Slab none INSULATION Exterior Wags al Area S FL i TYPe (DeL/Att.) Detac Design (Style) Ca q. um 644 Root ^ num /fair Crawl Space artial Roof Surface shi le rubHair % Flrushed 0 CeiNng Basemerd arti l ^ a ExisVrg/Proposed ExisU a Ceig od Gutters & Dwnspts aluminum /fair Sump Pone none / fk>or drain Wal ~ C Window Type dh rs ^ Age (Yrs.) 70 Etf oncrete Blk Fbo vvdJ r Dampness observed StonryScreens rtial /fair fbor Asb Tile O i~ rs. 55 ROOMS Fo er . Noce Sdtlemerd due to a e Ma a r House No Outside ENry NA ivl INes on None observed Unkrrow2___ DiNn Basemerd Kitchen Den Fami Rm Rec. Rm. B rooms # Baths and Level 1 L 1 Dgrer Area . FL area 1 2 2 1 X 644 RNshed area tbove rode c 1 886 Ins: 252 5 Rooms' INTERIOR 3 Bedroom s MaterialsA% ndRton HEATING 1 6 s' 1 138 uare t IOTCHEN EQUIP. ATTIC Fbors cr t vin asb Ss Lin A Walls faster one T r AMENRIES TYDe HW Refrigerator ^ flees CAR STORAGE: I /fair Fuel oil ^ Rreplace(s) # ~~ Ra dnyFiNsh wood /fair ~~ Fba ~ / fair None ^ rge/Oven ® Stairs ^ Patlo onditlon unknown Disposal ^ Drop Stair ^ Garage # of cars COOL k ^ D BaVI Wainscot file /fair D ec ING Dishwasher ~_ ^ Attacfx;d 1 car CeNral NA ^ Scuttle ® porch enclosed ® VH F oors ical /fair ar ood ® Fiper ^ Fence ---__ Detached 11 ca=- ', Other wall unit Microwave ^ Heated ^ p ----- ^ Buitt-In C AddiVonal feaWres s ecial ene (P al ondPoon unknown Washer r RN had ---- ^ Carport --~ etticierq Items etc ): N , . one Driv wa 1 ~~ Condition of ttx; improvements, A eclatlon (physical functlonal and t ddenda , , ex ema , I 9 ropairs needed, quagty of consWcgon, rernodetlng/additlon s, etc.: See Adverse arMronmentai wndftlons (such as, but not gmfted to hazard knmedlate vicinity of the subject sale of the roe See , ous wastes, toxk subst party„ There are no known or a arent adverse enviroRn l d a ~ i t ~ab' an ~ Freddie Mac Form 70 fv53 me en M s conditio ns tha ~e t iveiy impact n~ r~ Fonn UA2 -'WIniOTAL~ appraisal software by a la mode, Inc. -1-1300-AtAMODE Fannie Mae Form ESTIMATED REPRQDUCTION COST-NEW-OF IMPROVEMENTS: DweBn9--- 7-138 Sq• Ft. @$ _ $ 644 Sq. Ft @$ _ ~---- _ _!_ SaragA/Carport 908 Sq. FL @$ __ ~- iotal Estlmated Ca New.. -~- .....- $ Less Qhysical Functlonal ~pnyj "-- Depneciatlon DeprerJated Vahre of IMProvenlerds _$ 'As-Is• Value of Site mprovemerds ......... _$- NDtcATEDVawes COSTAPPROACH . _ _ __$____ ITEM ......... SUBJECT COMPARABLE N0.1 924 t6t Street 215 BoslerAvenue 14~ess NewC~~h,r,vaa..a Dab and/a Source vut~Nrs Tales a Financing :OINACCInnc Inspection 45.; MLS 1019220 ublic record Cumberland C DESCRIPTION DESCRIPTION Cash/DOM 62 Above Grade a uai total ~Bd ~ Batl1s Total ~Bdr ~ B Room Caurd S 3 Gro s LINn Ar 1 7 4 1 3asemerd d fldshed IPartial' unfin shed Eq, Unfinished tOOmsRaJnurr.Mae ____ Patio, Deck I~oroh " uwr are plal ~r~ ,~,__. Porch,DeCk Adjusted Sales Price * - m ar We Canrnerds on Sales Compari on pmmArrding the sub' t OOmDarehlec rMee....L__ _ _ .. IeC property~S Con IISA~ppgT ~~ 11.109 rnts on Cost Approach (such as, source of cost estmate, site value, foot caKulatlon and for HUD, VA and FmHA, the estlmated remaining Yc the of the property): The Cost Aooreacn wn ..e___-•.. .- ~--~- ~UMPARAI 01 N. Second Street Wormlevar,~~~,,. ow ,~..... 47 Grant Avenue Inspect MLS 1019451 sess Cumbertand~ $ Ad st DESCRIPTIO Conv./DOM 1 -1,500 5 2 -3 120 818 Eq, Unfinished None Avers e 0 Hwtr oiVNone none -2 000 2 car are e -500 Porch None Fence +500 None -6 820 + 59 380 to the horhood, etc.): , Inspect MLS 10183681,Agt,Ext sess CumberlandC LaxAs Ad st DESCRIPTION +~ Cash/DOM 5 Eq, Unfinished--~- None Averesre 0 FWA,oiUNone t none Uff Street +4 000 F'oroh,Pch,Patio ~ _5~ None -1000 None +500 None '7. ,280 r~ + IRI _ : c +500 DaM, Price and Data 5/2f9/1997v ~DMPARABLE N0.1 COMPARABLE N0.2 Source, forprtasaks $1,p0 7/9/2010 11/21/1994 COMPARABLEN0.3 'n r $1.00/ForeGosure $1.00 11/20/1984 a s I Le al Descri tlon Cumberland C Tax $28,000 Areysis of arty currerd ogre M of sale, opt(on, or tlsting of subject pro Assess Cumberland C Tax Assess ~ sub ~ ~ not Curren under contractor Isted in the o ~ and analysts of any prior sales of subject and co r~~Cumbertand C Tax Assess foreGosure n market. Other rbr transfers of Com nre~bles #1 #41n 8 #5ewere duettoG appraisal: roceedi s. Sub'ed has not transferred in ast three ar. INDICATEp VALUE BY SALES ARISON APPROACH ~CATEDVALIIEBYNrCOyE PRDACR ._......_ ............. ..........................._..............._.....:.......... $ THs appraisal is made table Estlmat A4arket Rent N/A ~~p00 'a is' subject s the repairs, aReratlons, inspectlons or conditions listed below Rent Multl ler N/A _ Conditions of Appraisal: No wa n of this a sisal is iven or im lied. No Iiabili is assumed for the stnrGU~re arroid/or m N/A ro mpletlon per plans & specfficatlons. Real ReconciHatlore The ret diva market value o inion as of November 18 2010 Was echanical elements of the retros active market val of the sub'ect roe 60 000 unaffected b the artial interest. The addenda fore lantation Partial Interest. artsl interest held b the Estate of Ms.Charlotte E. Horton was 7 100, please see The purpose of tlris appraisal is t estimate ttie market value of the real ro and Nmitlng conddions, and mark value definitlon that are stated In the attached Freddie MacbFarm 439rfNMA fam 10048 Revised I IwE) ESTMATE THE MARKET V LUE, AS DEEMED, OF THE REAL PROPERTY THA71S THE SUBJECT OF THIS REPOR AS above conditlons and the certification, coMirgenl (tytlKkf ~ 1HE DATE OF INSPE AND THE EFFECTNE DATE OF THIS REPWtn l'0 BE ( 06/83 ~. APPRAl6itt'\ i ~ $ 7 100 (Partial Interestl 11/18/2010 ~,,,,_~jC"n""'~''c`~ ~~ SUPERVISORY APPRAISER (ONLY E REOUfitED): me Pames M. ReRenbac PA Cert Gen Real Estate raiser i n ae )aN R I October 1 2011 Name - ^ D(d ^ Did Not gate C-~dfiCagon ~ GA001804~ mat Slaved _ Inspect Properly Ir to # State PA t t ~i(Icatlon # e Mac Farm 70 fv93 She Or State Licen # t Form UA2 - PP PAGE 2 OFD to 'WkrTOTAL' a ralsal software b a s mode, Inc. -1-800•ALAMODE FaNde Mae Form 1004 693 UNIFORM RESIDENTIAL APPRAISAL REPORT MARKET DATA ANALYSIS corm UA2.(AC) -'WfniOTAL' appraisal software by a la mode, Inc. -1-~0-gLAMODE - Supplemental Addendum _ CURRENT Myers Per the enGdsed legal description the subject property is under the current ownership of Charlotte Evelyn Horton and Beverly J. IMPROVEh!F'NTe ontd The overall condition of the home Is considered as fair/poor, Dated and wpm kitchen and bath need renovated. Floorin ' wom and Weepqs replaced. Interior needs painted. Ceiling Ules discolored/watersiained and need replaced. Dysfunctional floor plan with access to second floor through first floor bath and bedroom, g rs scraped and painted. Roof appears to be at or near the end of it's Older windows need replaced. All wood trim needs and need repl~ced, etc. The estimated effective age is below the actual age due to maintenance, condition, and competing neighborhoods. physical depreciation is attributed to see w mic life and should be replaced, gutters are damaged obsolescence ue to floor plan. No economic obsolescence noted. ear and tear, and deferred maintenance.Fr'0unctlonaln to V RSE ENV~RONMEuTA~~ NDITin ~~ There are no kfiown or apparent adverse environmental conditions that would negatively impact on the sale of the props The appraiser has not been intoned, nor has the appraiser any knowledge of the existence of any environmental or health impediment, which If known, could have a n herein is not valid if any hazardous items are found in the subject property and stated within the appraisal report, including but rty. The valuation contained not limited to: UYeaformaklehyde foam insula~tlonl Radon Gas, tAsbestos Products, Lead or Lead 8e Contaminants. seed Products, Toxic The subject is of an age where lead based paint ma be should be advised of its possible existence. It is assumed that lead based paint is not present. If the rlient has a concern then a qualified expert ih this field should be contacted to Inspect he subject Prop er}t, oes not penalize the property, however, the client Gross living area~and tax assessment information for comparebles was obtained from Coun sales are considered to be reliable indicators of value, and are weighted similarly in the final reconciliation. Appropriate adjustments have been made for all differences. Comparable sales are all cased sales. It Is noted that the sales chosen are considered to be the best available. All comparable sales are located in similar market areas as the sub would be considered by the same perspective purchaser. Comparable photos have been taken from the MLS, these photos best reflect the property at the time of sale. lest Property and Based on appraisal practice with emphasis la best indication of the subject current market value. In the ehting the elements of corn ppraiser's opinion, the sales chosen best weigh the elements of wmparison, and v'{hile the distance from the subject property is Important, various factors with nt he lelements of cormpan'son require a wider than one mile radius search. the subject. Some adjustments exceed market guidelines but were deemed necessary in order to provide a reliable indication of value for The appraisal industry has generally accepted that partial interests are valued at discounts. This is due primaril to marketability resulti~lg from the following factors: partial interests have limited value in use as autonomous controls and the possible restrictions im Y their limited posed in trensferrin collateral, the absence of It would not be theorhetically sound to argue that the market value of an interest In rea~estate would be the same irrespective of the rights occurring~o the ownership of that interest. Non-controllin same bundle of righfls that would accrue to the 100% or cont-ollin ownershi 9 Partial Interests in real property do not benefit from the follows; non-controlling partial Interests (whether partnership, Ilm'' ed partnership, ortenant-in-common) have no control over the management decision process. The owner of a 100% or controlling interest anocetuse the ProPethe critical differences are as at any time and can Simultaneously distribute any excess proceeds A limited or noncontrollin tenant-in-common has no control over the financing benefit. The owner of anon-controlling tenant'in-cormm~on interest cannoted under ordinary circurmstances, obtain conventional long term financing secured only by his or epsrtner or anon-controlling if the property is debt'free. pacific property Interest, even It is suggested that the ownership differences contribute, In part, to partial interests being less liquid than 100% or controlling 'wh ch part al none ont o~ting me ©sts can be marketed. Thus,lthese interests canlnot receied he that is available to the'' 10U°/, position through a vast network of real estate brokers. The owner of a p rt alt merest wishing to sell that interest has very limited resources available to market that asset. same exposure to the market Research into this arse indicates that the size of the discount is affected in part by the degree to which the parties are related, by blood or by contract, other than the deed of ownership. Related parties are expected to receive smaller. discounts in size of the interest is e transacting undivided interest Another factor affecting the size of the discount is the extent of the interest being valued, The acted to have an inverse effect on the size of the discount; that is, as the amount of the interest mcreases, the size of tl~e discount decreases. A third factor affecting the size of the discount is the value of the question. Research has conGuded that as the value of the property rises, so does the size of the discount when valuin a interest. Property in However, a Federal Co~rrt decision on minority interest (James Barudin Estate, TC Memo 1996-395 g Partial by multiplying the value )focused on three (3) primary items. The first ~as the estimated fair market value held by the partnership, converting the value into a liquidation value liquidation value of the dingle unit. Y 95%. Next they applied a minority interest discount and then slack-of-marketability discount to the form TADD -'winTOTAI' appraisal software by a la mode, Inc. -1-g04ALAMODE Addendum FIIe No. ,,_, ne In addition, it is clear that a single ownership unit was not readily marketable and that an discount to reflect that fact. Market studies admffted in this case showed that a percent. Y Purchaser would demand a significant PProPriate discounts fall in a range of 25 to 55 Per the enclosed legal description the subject Ms Charlotte Evel n Horton. ~ Property is held as joint tenants with the right to survivorship with the Estate of of the date af'death of Ms. '~ indicated by the Sales Comparison liquidation vale; this value is than discounted to reflect the Proach the retrospective market value of the subject as Horton on November 18, 2010 oyes $80,000. From this the market value was applied to refs t the lack of marketability of the pro a Peroentage of ownership of the propert ; converted to a conditions it is my opinion that the discount for lack of marketability w~ouldtfaelo theilowertend ofth~e range at 25,o~~unt is rtY, and current market Total Value Liquidation Discount $60,000 Total Liquidation Value x -~,°!s, Ownership Percentage $57,000 Allocation x 0°k Marketability Discount $28,500 Adjusted for Marketability x Indicated Value of the Partial Interest $7,125. $7,125 ROUNDED TO: RECpN(~`t~lATl~nr V • $7,100 Due to the lack of quality and quantity of rental data, the Income Approach was considered inappropriate and not utilized. Greatest weight i'~ given to the Sales Comparison A roach since if reflects the marketplace. Cast approach is not applicable due to age of the subject. typical actions of buyers and sellers in the S~COP OF ~~ Observation of the exterior and walk through observation of the interior of the props Neighborhood information was gathered by a visual Inspection, and information obtained from the State Data Center, Cumberland Coo ' rtY• Measuring the exterior of the dwelling. rlty and New Cumberland Borough. Review of the County public Record data and Muttl-List, Inc. records, Review the countyf tax assessment online information, coon Borou h oficials nd flood data was confirmed wffh FEMA floodxmaasPAn exterior ins ction was 9 ~ 9 was confirmed with New Cumberland comparable. All comparebles were confirmed with the Bstin a P 9 gent for each property. conducted for each DIGITAi . I NATI ~^^ The digital signaturje used on this report is an exact replica of the a been altered and isl, downloaded from the program b the a Ppreiser's actual signature. The digital signature has not Y ppreiser. The digital signature is password protected to avoid improper usage. The digital signature should be considered equal to an original signature of the a RK_T ET VAl ~ PPreiser. The definition of Market Value "is from regulations published by federal regulatory agencies pursuant to'Title XI Institutions Reform, (Recovery and Enforcement Act (FIRREA) of 1989 between July 5, 1990, and August 24, 1990, by the Federal Reserve SY~tem (FRS), National Credit Union Administration (NCUA), Federal Deposit Insurance Co of the Financial the Ofice of Thrift Supervision (OTS), and the Office of Comptroller of the Currey regulations jointly pulblished by the OCC, OTS, FRS, and FDIC on June 7, 1994, and in the Interagency Appra~l atnd (FDIC), Evaluation Guidelines;, dated October 27, 1994, ~' (OCC). This definition is also referenced in CIAL LIMITING ~`O_ N~~ This appraisal is not $ home fns action and the a borrower has the righk to have the home ins ppre13ers are not acting as home inspectors when preparing the report. The Property, the appraisers Nsually observed are seh bywere rfead to e I home Inspector, yyhen pertorming the Ins move anything that ogstructs access or visibility. The ins Y ccessible. The appraisers are not required to disturbfothis warranties or guarentpes of any kind. Faction is not technically exhaustive. The Inspection does not offer The appraisers are no- home or environmental inspector's. The a guarantee that the properly is free of defects or environmental prob arose The erode an opinion of value. The a accessible areas only.',, Mold may be present in areas the a PPrelsal does not environmental ins PPreisers cannot see A professeona homel ins action of visible and Pectipn is recommended should the client have a concern. pection or Suoolement I an•n u I certdy that, This SUMMA Y APPRAISAL REPORT was prepared b pa Appraiser, for the exclu ive use of Michael Bangs, Esquire representing the estate of Charlotte E. Horton (Intended General Real Estate user/client). The intend d use of this appraisal report is for estate settlement p erposesch E tmateld market value is the probable price in terms f cash or in terms of financial arrangements equivalent to cash. The information and opinions contained in this apprai al set forth the a raiser's best 'ud most preparation of this repo . An use of this ap 1 9ment in light of the information available at the time of the appraisal are at the sole responsibility and atthe sobs risk of the third a any third a Person or entity, or any reliance or decisiona based on this P sly, as a result of reliance on or decisions made or actionstakenlbased onthis rpePort Ility for dame 9es suffered by Forth T~ -'WInTOTAL' appraisal software by a la mode, Inc, -1-804AUIIul00E In my opinion, the reasonable exposure time linked to the value opinion is 300+/_ days. I fu-ther 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 anal I have no present or prospective interest in the proPertY that is the subject of this re with this assignment. ~~• opinions, and conclusions. _~ 'My engagement in this assignment was not contingent upon developing or re port or to the parties Involved ~Y 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 a g predetermined results. this appraisal. mount of the value opinion, the attainment of a stipulated result, or the occurrence of a subsequent event directly related to the intended use of M1y analyses, opinions and conclusions were developed, and this report has been prepared, In conformity with the Uniform Standard of Professional A f>amela M. Reitenbach has not performed any services regarding and/or pertainin to the past three years. Pamela M. Reitenbach has made a 9 the subject property within Personal inspection of the property that is the subJed of this report. Signature: ~~~"~ ~-•~.e,~ Pamela M. Reitenbach PA Certified General Real Estate Appreiser Certiflcafion # GA001804 Expiration June 30, 2013 form TA00 -'Wtni01'AL• appraisal software by a la mode, Inc. -1.80QAl.gM00E DEFINITION OF MARKET VALUE: The most probable Price whbh a property should bring to a competltlve and requisik to a fair sale, the buyer and salve, each acA n9 PN rMty, bawledgeabty and assuming tla; pAce is pat affected by undue stlmubs. ImpNdt in this detldtlon is the tjonsummatlon of a sale as of a sPecttied date and the passing of title from salver to buyer unde conditlor~ wf~erebryre(t~buyeerarM seNerNare tyWcaNY natlvateq• (2) both parties are writ infonrad or well adWsed, and each acting in what he considers Ns own best interest; (3) a reasonable tlme is albwed for e~osure in ~ open market; (4) PaYrnent is made in krms of cash in U.S. dopers or In terms of fireraial anangemerk c fePreseMs the now`mal consideatlon for the property sob unaffected by special or creaAve Arencing or sales concessions' tla sale. omparable tlareto; and (5) tl~e price granted by arryore associated wNh ' Adjustmegis to tf~e comparabks must be made for special or creatve f(rencing or sales concessions. No ad'u since that, geye I simenk are necessary for those costs which are normaNy paid by sellers as a resuA of traditlon or lew In a market area; these costs are readiy IdedAiable pays these costs in drtuaNy aN sales transactlore. Special ar creative financing adjustmiats can be made to the comparably property by comparisons to Amancirg terms offered by a tfNrd party InstNuAonal lender that is not akeady involved In the PrWrerty r transactlon. Any adjustmed should not be cabukted on a rrechanical doter for doter cost of Ate financing or concession but the ~dlar amount of any adjustrnent should apprmdmak th market's reaction to the Nrencing or concessions based on Ate aPPrsise's judgement ST~ITEMENT OF LIMITING CONDITIONS AND APPRAISER'S CERTIFICATIO condlAans: CONTINGENT BIND LIMITING CONDITIONS: TfN; appraiser's certAicatlon that appears in the appraisal report is subject b the folbwirp i• ~ aPDralse wiNl rat be rosponsible for matters of a legal remrs that affect etthe tlw property bring appraised or the Atle to h. the appraiser assumes that owneship. the pile is Aood and trerkekble and, meetore, wIN not render any oW~ons ab~ ~ ~• ~ Properly is appraised on the basis of A bdrq under resporelble 2• The appraise hasprovided a sketch in the appraisal report to show apPro>dmak dimensions of tf~e improvements and tf~e sketch is Inchrded orYy to assist Are reader of the report In visuaNzing Are property and understanding the apprslseYs determinatlon of its size. 3. The appraiser has prarryned Aas avaikble fkrod rreps that are provided by the Federal Emergency Management Agency (or other data sources) aril has noted in the appraisal report tlx; subject she is bated In an identified Special Fkrod Hazard Area. Because Are appraiser is rat a surveyor, he or she makes ~ Auararhees, express r Implied, regarding this delermiretlon. 4. The appraiser wiN give testlnarry or appear In court because ire or she made an appraisal of Ate property In question, unMss specAic ana so have been made befor~and. n0emerits to do 5. The appraiser has e$tlmated Are value of AIe lend In the cast approach at As highest and best use and the I rov separate valuatlore of 'pre lend and improverh;nts must not be used In conjunction with an ~ ements at ifreir contributory value. These Y Sher appraisal and are (nvaNd A 6. Tf~e aDPralse fgs opted In the a raisal iheY are so used. subskrmes, etc.) ebserv durt ~ report arty adverse condigore (such as, needed repairs, depreciatlon, the presence of hazardous wastes, to>dc ng the inspectlon of the subject propety or Uiat he or she became aware of during tfw; nom>al research Irnolved in perfomYrg Are appraisal. Unless o se stated in the appraisal report, the appraiser has no kmwkdge of arty Ndden or ure adverse erMronrrrerdal co INans (incbdirg the presence of hazardous wastes, toxic substances, etc.) that would make the ro has assumed Arat tlrere ~re ro such conditlons and makes ra guarsrrtees or warranties, PDared co~le0re of Are properly or appraiser wiN not be res ensible far arty such conditlore that do eadst a for a Press or I Tied, D Party more or less valuable, and conditlore edst. Becau~e Ax; appraiser is not an ~ regarding ~ conditlon of the property' The nY engineeing or testing tfnat might be required to discove whether such ernironrrw~al assessment Ane proPetY expert in the flekl of ernirenrrxsrtal hazards, tine appraisal report must not be considered as an 7. The appraiser obkirx'dl the tMormatlon, estlmates, and oplnbns Aral were expressed in tfN; appraisal partles report from sources that fN' or she considers to be rogabk and beNeves tfx'trn fo be true and correct. The appraiser does rat assume responsibility fa Ape accuracy of such gems Ifnat were famished by otlar 8. The appraise witl not dscbse the corAerds of the appraisal report accept as provided for in the UrYform Standards of Professiorel Appra(sal Ractlce. 9. The appraiser has bas fnls a her appraisal report and valuatlon conGuslon for an appraisal that is subject to satisfactory completbn, repairs, ar alEeratlons on Are assumptbn ~ completbn of the Improvements will be peformed in a workmanlike manner. 10. The appraiser must pr de his or her prior wrtAen consent before the lender/cN~l specAied in tla appraisal report can disfibute Aw; appraisal report (Including concbsbns abou~the property vake, the appraiser's Ida organizatlons or the firm with wfnich the appraiser is associated) to anyone otlcer rdh)' and professlorel desigretlore, and refeeaes to any prefesslorel appraisal insure; consuhards; Profess) I appraisal o ~0 ~ bonowe; the mortgagee or As successors and assigns; the rrartgage of the United Skies or arty s k or Ane District of Columblaa except thatrAne ejender/cNent ved tinanclal InstNuAon; or a d colectlon or reportlng servic s without ryaW to obtain the a raiser's ~' disMbute the property descdptl n se~pn m ~' a instrumerrtaNty be obkined before the a (alsal can be con ed b a ape b the oubNc~tlrou h e dvenYsi aPPrsise's written conserd and ap~oval must also ~ y nY D 9 nA, Public rdatlore, news, sales, a otlrer media. Freddie Mac Form 439 6-93 eyc r ur t Famie Mae Form 100488.93 Form ACH -'WIniOTAL• appralsala ut wa~Apy ale node, Inc. -1-B00.ALAMODE APPRAISEf('S CERTIFICATION: The Appraiser certtiles and agrees that: 1. I have researched the subject market area and have selected a ndMmum of 1Mee recent sales of properties most similar and proximate to the subject property fa coraidaratlon ~ gre sales comparison arratysis and have made a dolor adjustment when appropriate to reflect the market reaction to gase Items of sigdttcant vartatlon. ti a sl~ntticaM Item in a comparable property is supaior to, w more favaable than, the subject property, I have made a the adjusted sales' prtce of tire comparable and, g a significant gem in a comparable property Is Intalor to, or less favorable than tfre subject proparhr. I have. mono a posgive adjustmerd to Increase the adjusted sales prtce of the c negatlve adjusmard to reduce arparable. 2. I have taken I o considaratlon the factors that have an Impact on value in my devebpmard of the esgmate of market value in the appraisal report. I have not lerowirrgy wttldrew~arry significant irdomatlon from the appraisal report and I beleve, to the best of my knowledge, that all statemards appraisal report arel true and correct. and infamratlon In tire 3. I stated In the iMppralsal report onty my own personal, unbiased, and professional anatysis, opinions, and conclusions, wHch are subject onty to tire cor~ngent and Ilmilrp cor~ttbf rs specified In this form. 4. I have rp pres or prospectlve intarest in the property brat is the subject to tills report, and I have rro present or prospective personal Irderest or bias with respect to gre pang ipants (n the trarrsacgon. I did not base, either partialy or com ~ on the race, color, glon, sex, handicap, fanlilal status, or nagorel odgin of dthar the pros~pecagvayolwr~~or occupam a< the sub taro In ~ appraisal report owners or occepantsi of tf;e properties in gie vicinity of the subject property. Nrc Pr Party a of tie present 5. I have no Present a contemplated fuWre interest in the subject property, and ndtlrer my current or fuWre empbymerd rar rr ce appraisal is contlngerh on the appraised value of the property. ry mparrsatlon for performing this 6. I was not requireq to report a predetermined value a directlon in value tiWt favors the cause of gre client or any related parh~, the amount of the value estlmate, the attainrrreM of a slpecgic result, or the occurrence of a subsequerd event in order to receive did not base gre appraisal report on a requested minirrwm valuation, a specigc vabatlon, or the re~ of appa specigc~morigage I for I>ertomdng the appraisal. I 7. I performed gds $ppraisal in cardomrity with the Uniiarm Standards of Rofessbnal Appraisal Practice that were ado fed and Standards, which does not P Promulgated by tie Appraisal Standards Board of Tea Appraisal Foundatlon and grat ware in place as of the ettectlve date of gds appraisal, with the exceptlon of the departure provision of those and the estimate I d reconcllation section. $veloPed Isiconsnt gwtlh tlrenrrartlkmeBrHp q~ceratendabn ~ ~Ahe~osisectlon of mis~treiport,ceunles;~lihavedGoti~Wse s fed Inatlu; 8. I have personaly respected the irdertor and extedor areas of tire sub' t I furfrer lec Property and the exterior of atl properties lsted as comparabies in tits appraisal report. cartlfy brat I Trove noted any apparent or known adverse conditlons in tits subject Improvemenla, on gre subject site, or on any site within the immediate vidntty of the subject property of which I am aware and have made adjustments for grew adverse conditlons In my anatysis of tlx: property value to the extent that I had market evidence tot support tirem. I have also commented about tits effect of the adverse condttfons on the marketability of the subject property, 9• I D~~IY prepared an conclusions and opinions about the real estate gat were set forth in the appraisal report. g I relied on signgicant professiorel assistance from am irrQividual or Individuals in the Pertormance of gie appraisal or the preparstlon of gre appraisal report, I have named such Individual(s) and discbsed the spectlic tajsks pertomred by them In tits recanctilatlon section of this appraisal report. I certify grat any individual so named Is qualitled to tits tasks. I have Trot aidtrorized arryone to make a change b any gem In tits report, tirareforo, g an unautlrorized change Is made to the a ralsal r no responsibility for h. perform DP sport, I will take SUPERVISORY AI~pRAISER'S CERTIFICATION: g a supervisory appraiser signed gre appraisal report, he or she certlges and agrees that: I directly supervise the ap~rsisar wTro prepared gre appraisal report, have reviewed the appraisal report, agree wtth the statemards oral conckrsions of tits appraiser, agree to be twund try the appraiser's certlficagons numbered 4 timugh 7 above, and am taking fuq responsiblity for the appraisal and the appraisal report, ADDRESS OF PRaPERTY AppRAISED: 924 16th Street New Cumberland PA 17070 APPRAISER: -----_ /~ SUPERVISORY APPRAISER (only if required): Signatine: ~ ~ ~~~ Name: Pamela M. Re' nbach PA Cert Gen Real Estate raiser Signature: DaH Signed: October 1 2011 Name: State Certificetlon #: GAO 1804 Dad Signed: a State license #: State Cartlficatlon #: State: PA or State License #: ~- ENriratlon Date of Certgicatbrh w License: 06/30/2013 State: ErFiration Date of Certlfication w License: _ ^ Did ^ Did Not Inspect Property Freddie Mac Fam 439 6-93 Page 2 of 2 Fannk Mae Fonn 10048 rr93 Form ACR -'N'InTOTAL• appraisal software by a la mode, inc. -1-800•ALAMODE zo.o' i ~ i ~ I ~ i I i i ~ bi i R ~ Garage ~ ~ I i i ~ i I zo.a' 14.0' b I __ _ 22.0'- _ ~ I ~ E I Gar i ~ ~ iy ndaeed b ~' Porch ~ a b m I I 23.0' ____ I -~ 14.0' a 11.0'~d Laundry Dining Area Bedroom Bath Kitehen b m lV fV N Bedroom LIWnp Room c ~ 34.0' O fr 1 Porch o' J 15.0' ~ati..v~ ~~ Commend; 1a.0' v Batlroom b a 18.0' ~ AREA CALCULATIONS SUMMARY e .d. ~~ [ NHr LNWt3 AREA BREAKDpyyN GI,111 lra door oht. ~.al d D~2 P/P s•eo~d noor 886.0 .nlo. 9BB.o 252 0 ~ own rsr.t eloor k Porch pdre7l 118.0 . 23.0 x 28.0 GAR Gara M 90.0 508 0 11.0 x 22,0 611.0 GaragY 309.0 . S.cond door 212.0 600.0 908.0 11.0 : 18.0 252 0 NetLNABLE'Area (Rounded) I 11381 ~,_ 3 ftems 1138 Forth SKi.BIdSkI - •WiniOiAL• appraisal software lry a la mode, inc. -1-800-ALAMODE _ .. to..:a~:-- ~- - - '~ 61wvc November 7, 2tpi1 Mid~,.i L aan~t 429 S 18s' St Camp HiR, PA 17011 RE: Name: (~rpo~tte E Horton 5SN:183-1~-47G4 DOD: 11-182010 Dear Mr. Bangs; In ~sPc~se to Your request for Oate of Death (DOp} b for the wstamer qp~ , our regards show the hag: ~tmk Agoount #51402218 CHARLOTTE E HORTQN ~: il-QS-1981 DOD balance: $1,!124.21 + 0.00 accrued ir~terestRLY J MYERS loan Amaee4 The t mined loan Aoccwtrt 840D10081Q9~82~g8, ~ fiat ~~ snd a~~e, Please kontsct 1-888-T62-2265. Select P zero, pka~e dirt on the line to n 1' then °~ 3 and then 0 (zero. After spec with a t.oert Eir-w~ ~ Gym. P~ rr~ that thN p~-Ides date of dead, belanoes far deposit }. rra da nat ww ao~a"'ts (IRAs, C[~ C and any of t~ , P~e cal iC aANx~7 2-z~ ~ ~r ~ '°e wrtn ° Bank branch ten: N FMar~i Vices Center PNC Bsnly N.A. l+~ember FbIC Page 1 of 2 T ~~ a is ~terlded for the use of the ir-~ridua~l or errtfty to rvihlch !t h ~ and ab cruMain ~~ mat ~ eanempf from lure P~kg~ a~~l and Y ~ ~'r °~ is not dk 14--~eradled ~~ a t~ ' aPPe brv ~~~ f~a the intended ~,~ y,~, are ! ~ °r °~'"t ~~ d'~ YaopNir-p ~ tfiis cam d t~na-t any nrcreucotPons is y p~ ~.1+ou have riec~,d the ~ ~e brrt~p~~y 6y ~Y or fr~aed d~cvmemt 4Y ~~ at 8~}.7~i77S and 2of2