HomeMy WebLinkAbout12-30-11 (2)y
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15D56101D5
REV-1500 ~ ~°Z-11't>~, ~''
nFerris~ r~nc ntvr v
nn lvania - - - - -- --- - ---
PA Department of Revenue Pe gY Counly Code Year File Number
Bureau of Individual Taxes '"""""~"'°""`~""`
Po sox z8o6o>. INHERITANCE TAX RETURN j `~""/. ~"~"""""~
Harrishura_ PA 17128-o6et RESIDENT DECEDENT I E .~ ~_ml_~._~ ~~ 11T~D
Date of Birth MMDDYYYY
~ 02/24/1925
:..............................................:....... ...............................................................:
Decedent's First Name MI
Joan _ ~..~ ~._..___...m ~ .~ ._ __._. ~. H. ,
Spouse's First Name MI
Spouse's Social Security Number
"`~ ~°'~"" °~' i THIS RETURN MUST L3E FILED IN DUPLICATE WITH THE
REGISTER OF WILLS
FILL IN APPROPRIATE OVALS BELOW
~ 1. Original Return O 2. Supplemental Return O 3. Remainder Return (Date of Death
Prior to 12-13-82)
O 4. Limited Estate O 4a. Future interest Compromise (date of O 5. Federal Estate Tax Return Required
death after 12-12-82)
O 6. Decedent Died Testate O 7. Decedent Maintained a Living Trust 0 8. Total Number of Safe Deposit Boxes.
(Attach Copy of WIII) (Attach Copy of Trust.)
O 9. Litigation Proceeds Received O 10. Spousal Poverty Credit (Date of Death O 11. Election to Tax untler Sec. 9113(A}
Between 12-31-91 and 1-1-95) (Attach Schedule O}
CORRESPONDENT -THIS SECTION MUST BE COMPLETED. ALL CORRESPONDENCE AND CONFIDENTIAL TAX INFORMATION SHOULD BE DIRECTED T0:
Name Daytime Telephone Number
Michael A Scherer, Esq~ ~ (717) 249-687 h
~_~_ ~~._...,, _.._. ~.~ ~_..: ~._nr..~„_.~....___....._ ~._.. .~~._~~___..~~.....~ _..
REGISTER
-
First Line of Address
.._ _. „_ ..w_ _~.. _~ . ~ _ __~_ ~ _._~__ .c
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Baric Scherer LLC ~
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Second Line of Address
,,.~..~ .................~.._ . ~~Pe_. ~_ _~_..~ ~. ~ _.,,...._. .~. .....~ ~._~.~ __ ~._....__„~~_> ~
~7 ~ N
..
19 West South Street
___....___ _....._.:_.:.. .~,_,.._._..... _,.w _ ..~..~. ._. .,w.., _..,__._~._.~. _,..,_.. _ _ ._. __....
City or Post Office State ZIP Code DATE FILED ~
_. _.. ... ._......_ ._. _........ ............. i--~__-__.__....~__.__._.
Carlisle 1 PA ~ 1;17013 ._.__.._....___.._._t
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Correspondents e-mail address: mscherer@baricscherer.com
Under peneltbs of pa)ury, i dedere that i have examined this return, including ecxrompanying schedules and statements, and to the best of my knowledge and belief,
it is true, correct and complete. Dedaration of preparer other than the personal representative is based on all information of which preparer ha8 any knrnMedge.
SI URE OF PERSON ~R~sPONSIBLE FOR FILING RETURN DATE
Christine H. Mahoney, 918 Gobin Drive!~Carlisle, PA 17013
SI~~E•f?~E E OTHER THAN REPRESENTATIVE DATE
lt•2y• l l
Michael A. Scherer, Esquire, 19 West South Street, Carlisle, PA 17013
PLEASE U8@ ORiOiNAL FORM ONLY
Side 1
15DS61D105 1SOS610105
~~''~ _
` J
REV-1500 EX (FI)
i~ecede~c's Name: Joan H. Cleland
Decedent's Social Security Number
192-34-7144
RECAPITULATION
1. Real Estate (schedule A) ............................................. 1. 153,591.29
2. Stocks and Bonds (Schedule B) ....................................... 2. 31,657.00
3. Closely Held Corporation, Partnership or Sole-Proprietorship (Schedule C) ..... 3. ~ 0.00
4.
9 9 ..........................
Mort a es and Notes Receivable (Schedule D) 4.
_..~..,~... 0.00
...._._....~~_~__,
5. Cash, Bank Deposits and Miscellaneous Personal Property (Schedule E)....... 5. ~ 628,329.76
6. Jointly Owned Property (Schedule F) O Separate Billing Requested ....... 6 0 00
7. Inter-Vivos Transfers & Miscellaneous Non-Probate Property
0 00 '
(Schedule G) O Separate Billing Requested........ 7 ;
8. Total Gross Assets (total Lines 1 through 7) ............................. 8. . 813,678.05
9. Funeral Expenses and Administrative Costs (Schedule H) ................... 9. 52,257.50
10. Debts of Decedent, Mortgage Liabilities and Liens (Schedule Q ............... 10. `;. 3,284.12
11. Total Deductions (total Lines 9 and 10) ................................. 11. 55,541.62
12. Net Value of Estate (Line 8 minus.Line 11) ............................. . 12. [ 758,036.43
~„ ~.
13. Charitable and Governmental Bequests/Sec 9113 Trusts for which ~
00
0
an election to tax has not been made Schedule J 13. .
14. Net Valus SubJect to Tax {Line 12 minus Line 13) ....................... . 14. ; 758,036.43
TAX CALCULATION -SEE INSTRUCTIONS FOR APPLICABLE RATES
15. Amount of Line 14 taxable
at the spousal tax rate, or
transfers under Sec. 9116
(a)(1.2) X .0. 15.
16. Amount of Line 14 taxable
at lineal rate X .0 ~ 16.
17. Amount of Line 14 taxable
at sibling rate X .12 17.
18. Amount of Line 14 taxable
at collateral rate X .15 18.
19. TAX DUE ........................................................ .19.
20. FILL IN THE OVAL IF YOU ARE REQUESTING A REFUND OF AN OVERPAYMENT
Side 2
L 1505610205 1505610205
1505610205
O
J
REV-1500 EX (FI) Page 3
v Decedent's Complete Address:
Fite NumHer
DECEDE S NAM
Joan H, Cleland
STREET ADDRESS
901 North West Street
CITY
Carlisle STATE
PA ZIP
17013
Tax Payments .and Credits:
1. Tax Due (Page 2, Line 19)
2. CreditslPayments
A. Prior Payments 29,451.00
B. Discount 1,472.55
3. Interest
4. if Line 2 is greater than Line 1 + Line 3, enter the difference. This is the OVERPAYMENT.
Fill in oval on Page 2, Line 20 to request a refund.
5. If Line 1 + Line 3 is greater than Line 2, enter the difference. This is the TAX DUE.
(1) 34,111.64
Total Credits (A + B) (2) 30,923.55
(3)
(4)
(5) 3,188.09
Make check payable to: REGISTER OF WILLS, AGENT.
:r ~'„ r .'+s" E «_ t._ h ~.. _. r .. °.it4 _. ~ _r~ .i. ~~:- x',~...-~- ..i.~ '11f. ~, ~~<Y,'
PLEASE ANSWER THE FOLLOWING QUES71ONS BY PLACING AN "X" IN THE APPROPRIATE BLOCKS
1. Did decedent make a transfer and: Yes No
a. retain the use or income of the property transferred .......................................................................................... ^
b. retain the right to designate who shall use the property transferred or its income ................................ ............ ^
c. retain a reversionary interest .................................................................................................................. ............ ^
d. receive the promise for life of either payments, benefits or care? ......................................................:... ............ ^
2. If death occurred after Dec. 12, 1982, did decedent transfer property within one year of death
without receiving adequate consideration? .................................................................................................. ............ ^
3. Did decedent own an "in trust for" orpayable-upon-death bank account or security at his or her death? .............. ^
4. Did decedent own an individual retirement account, annuity or other non-probate property, which
contains a beneficiary designation? ............................................................................................................ ............ ^
tF THE ANSWER TO ANY OF THE ABOVE QUESTIONS IS YES, YOU MUST COMPLETE SCHEDULE G AND FILE IT AS PART OF THE RETURN,
3... ~a ' i4h 'i. r ,.
For dates of death on or after July 1, 1994, and before Jan.1,1995, the tax rate imposed on the net value of transfers to or for the use of the surviving spouse
is 3 percent (72 P.S. §9116 (a) (1.1) (i)j.
For dates of death on or after Jan. 1, 1995, the tax rate imposed on the net value of transfers to or for the use of the surviving spouse is 0 percent
[72 P.S. §9116 (a) (1.1) (ii)j. The statute does not exempt a transfer to a surviving spouse from tax, and the statutory requirements for disclosure of assets and
filing a tax return are stilt applicable even if the surviving spouse is the only beneficiary.
For dates of death on or after July 1, 2000:
• The tax rate imposed on the net value of transfers from a deceased child 21 years of age or younger at death to or for the use of a natural parent, an
adoptive parent or a stepparent of the child is 0 percent (72 P.S. §9116(a)(1.2)j.
• The tax rate imposed on the net value of transfers to or for the use of the decedent's lineal beneficiaries is 4.5 percent, except as noted in [72 P.S. §9116(a)(1)].
• The tax rate imposed on the net value of transfers to or for the use of the decedent's siblings is 12 percent (72 P.S. §9116(a)(1.3)j. Asibling is defined,
under Section 9102, as an individual who has at least one parent in common with the decedent, whether by blood or adoption.
REV-1502 EX+ (O1-10)
` ~ Pennsylvania SCHEDULE A
DEaAR7MENTOFREVENUE REAL ESTATE
INHERITANCE TAX RETURN
RESIDEM DECEDENT
ESTATE OF: FILE nuwaER:
Joan H. Cleland 21-11-0440
All real property owned solely or a= s Conant in common mutt bs roported at fair market value. Fair market value is defined as the price at which property
would be exchanged between a wiNing buyer and a wilting seller, neither being compelled to buy or sell, both having reasonable knowledge of the relevant facts.
Reef property that is jointly-owned with right of survivorship must be disclosed on Schedule F.
Attach a copy of the settlement sheet if the property has been sold.
ITEM Indude a copy of the deed showing decedent's interest if owned as tenant in common. VALUE AT DATE
NUMBER DESCRIPTION OF DEATH
1• 901 North West Street, Carlisle, Pennsylvania. Value reported at 153,591.29
net proceeds from sale to third party in arm's length transaction. See attached HUf?-1
REV-i5o3 EX+ (~-u)
Pennsylvania
DEPARTMENT OF REVENUE
INHERITANCE TAX RETURN
RESIDENT DECEDENT
scN~ou~E s
STOCKS & BONDS
ESTATE OF FILE NUMBER
Joan H. Cleland 21-11-0440
All property jointly owned with roght of survivorship must be disclosed on schedule F.
If more space is needed, insert additional sheets of the same size
REV-i5o8 EX+ (1i-io)
• Pennsylvania SCNEL1t~LE E
DEPARTMENT OF REVENUE CASH, BANK DEP05ITS & MISC.
INHERITANCE TAX RETURN PERSONAL PROPERTY
RESIDENT DECEDENT
ESTATE OF: FILE NUMBER:
Joan H. Cleland 21-11-0440
Include the proceeds of litigation and the date the proceeds were received by the estate.
All property jointty owned with Mght of wrvivorship must be disclosed on Sd~edule F.
ITEM VALUE AT DATE
iUMBER DESCRIPTION . OF DEATH
1, ; M & T Bank check account # 395102 7, 299.65
2. M 8 T Bank savings account # 15004201820659 140,474.27
3, Western Southern Annuity#~W20598906 ~ ~~ 32,378.71
,,..._
4.. ,Personal property-auction proceeds (gross) 8,839.50
5„ ',Pra~eds from Estate of Curtis Cleland 439,333.28
g, Comcast refund 4.35
' 628,329..76
TOTAL (Also enter on Line 5, Recapitulation)
If more space is needed, use additional sheets of paper of the same size.
REV-1521 EX+ (10-09)
' pennsytvania SCHEDULE H
DEPARTMENTQFREYENUE FUNEitAL EXPENSES AND
INHERITANCE TAX RETURN ADMINISTRATIVE COSTS
RESIDENr DECEDENT
ESTATE OF FILE NUMBER
Joan H. Cleland 21-11-0440
Decedent's debts must be roported on Schedule I.
ITEM
.NUMBER DESCRIPTION AMOUNT
A. FUNERAL EXPENSES:
1' Nof6nan Roth Funeral Home 10, 093.62
;Reception 199.32
Carlisle Memorial Service 833.00
B. ADMINISTRATIVE COSTS:
1. Personal Representative Commissions:
Name(s) of Personal Representative(s)
Street Address
City State ZIP
Year(s) Commission Paid:
2o,soo.ao
2. Attorney Fees:
3. Family Exemption: (If decedent's address is not the same as claimant's, attach explanation.)
Claimant
Street Address
City State ZIP
Relationship of Claimant to Decedent
4. Probate Fees: 315.50
5. Accountant Fees: 2,000.00
6. Tax Return Preparer Fees: 1,350.00
~. The Sentinel (legal advertising) _ _ 155.68
s.' Cumberland Law Journal (legal advertising) 75•.00
s.
. . ,... .._
.Auctioneer Fee-personal property auction ~
..
2,270.00
..
~o. Bob Horing-trash removal-decedents residence 160.00
~ t. D & D Septic & Toilet Rentals-auction 85.30
rtemt**rtnerre~r,e~a,rn,~stCONTINUED ON ATTACHED SHEET"*"'**'"""*"*"""""""""""""""'"""
TOTAL (Also enter on Une 9, Recapitulation) ll; 52,257.50
If more space is needed, use additional sheets of paper of the same size.
Estate of Joan H. Cleland
Estate No. 21-11-0440
SCHEDULE H CONTINUED
12 PP&L $ 441.15
13. Carlisle Borough-per capita &
real estate taxes $ 817.05
14. Kough's Oil $ 78.07
15. Tim Mahoney-furnace repair $ 60.00
16. Don Heishman-lawn service $ 425.00
17. Dehumidifier for home $ 231.08
18. Borough of Carlisle- water
& sewer service $ 218.70
19. Carlisle Borough-school taxes $ 1,825.23
20. Bill Mahoney-paint supplies $ 242.80
21. J. H. Brandt-new roof $ 6,615.00
22. Miller Inc.-insurance on home $ 928.00
23. Mahoney Plumbing & Heating $ 2,000.00
24. American Modern-insurance on garage $ 38.00
Total $13,920.08
REV-1512 EX+ (12-08)
' ~ piennsylvania
DEPARTMENT Of REVENUE
INHERITANCE TAX RETURN
RESIDENT DECEDENT
SCHEDULE I
DEBTS OF DECEDENT,
MORTGAGE LIABILITIES & LIENS
ESTATE OF FILE NUMBER
Joan H. Cleland 2 ~ -~ ~ -~~
Raaort debts incurred by the decedent prior to death that remained unpaid at the date of death, including unreimbursed medical expenses.
If more space is needed, insert additional sheets of the same size.
REV-1513 EX+ (O1-10)
• ~ Pennsylvania
DEPARTMENT OF REVENUE
INHERITANCE TAX RETURN
SCHEDULE ~
BENEFICIARIES
ESTATE OF: FILE NUMBER:
Joan H. Cleland 21-11-0440
RELATIONSHIP TO DECEDENT AMOUNT OR SHARE
NUMBER NAME AND ADDRESS OF PERSON(S) RECEIVING PROPERTY Do Not List Truatae(s) OF ESTATE
I TAXABLE DISTRIBUTIONS [Include outright spousal distributions and transfers under
Sec. 9116 (a) (1.2).1
1. .Christine H. Mahoney, 918 Gobin Drive, Carlisle, PA 17013 daughter ~~%
2.' Timothy B. Mahoney, 1088 Grahams Wood Rd., Newville, PA 17241 grandson 6.66%
3.' ;Brian Garland, 190 Bloserville Road, Newville, PA 17241 ,great~randson 1.11
4. Gregory A. Mahoney, 733 Thomwood Dr., Odenton, MD 21113 grandson 6.66%
5. `Michael Mahoney, 733 Thomwood Dr., Odenton, MD 21113 'great-grandson 1.11
6. :Tamara Mahoney, 733 Thomwood Dr., Odenton, MD 21113 great~randdaughter 1.11
7. Katherine Mahoney, 733 Thomwood Dr., Odenton, MD 21113 great~randdaughter 1.11
8. Danielle Mahoney, 733 Thomwood Dr., Odenton, MD 21113 great-granddaughter 1.11
9. Peter Mahoney, 733 Thomwood Dr., Odenton, MD 21113 ,great-grandson 1.11
"'"""""'CONTINUED ON ATTACHED SHEET""*"""""""""
ENTER DOLLAR AMOUNTS FOR DISTRIBUTIONS SHOWN ABOVE ON LINES 15 THROUGH 18 OF REV-1500 COVER SHEET, AS APPROPRIATE.
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. ~
If more space is needed, use additional sheets of paper of the same size.
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O O
O O
LAST WILL AND TESTAMENT
OF
JOAN H. CLELAND
I, Joan H. Cleland, of Cumberland County, Pennsylvania, being of sound mind,
memory and understanding, do hereby make, publish and declare this as and for my
Last WII and Testament, hereby revoking all other wills and codicils heretofore made
by me.
FIRST
I direct the payment of my debts and the expenses of my last illness and funeral
from my estate as soon after my death as conveniently may be done.
SECOND
I direct that any and all inheritance, estate and transfer taxes imposed as a result
of my death for property passing under my will or otherwise shall be paid out of the
principal of my residuary estate.
THIRD
I give and bequeath such of my personal property as may be listed on a signed
_.
and dated memorandum kept with my Wii( to the persons named thereon, provided
they survive my death. Should such a memorandum not be found with my Will, it shall
be conclusively presumed that none was prepared, and all of my personal property
shall pass according to the remaining provisions of this Will.
FOURTH
I give, devise and bequeath the rest, residue and remainder of my estate as
follows:
Thirty-five percent to my daughter, Christine H. Mahoney;
Thirty-five percent to my son, Curtis A. Cleland;
Twenty percent in equal shares to each of my grandchildren, perstirpes; and,
Ten percent in equal shares to each of mygreat-grandchildren, per stripes.
FIFTH
In the event a .portion of my estate passes to an heir under the age of
twenty-two (22), then that portion of my estate passing to the heir shall be placed with
that heirs' parents, as Trustees, who may act independently, under the following
conditions:
1. My Trustees shall pay principal and income to or for the benefit of
the heir during their life as my Trustees, from time to time, shall deem advisable for the
health, maintenance, support and complete education of such heir and the members of
his or her immediate family. In addition, my Trustees in their sole discretion may
advance principal to said beneficiary against the fractional shares to be advanced
hereunder for the costs of marriage, or the purchasing of a home or costs of entering a
business or profession if my said Trustees shall deem such expense reasonably
prudent.
2. Notwithstanding the foregoing provisions, after attainment of
twenty-two (22) years, each heir may withdraw the principal of her trust valued as of
said birthday or the date of division into shares.
3. In the event of the death of a trust beneficiary prior to age twenty-
two (22) then my Trustees shall distribute any remaining principal and interest as such
beneficiary shall appoint by specific reference to this power in his or her will, or if such
power is not exercised in full, the unappointed principal shall be distributed to his or her
issue, per stirpes, or in default of such issue, to my issue, per stirpes; provided,
however, any portion of such principal, which would be distributed to any beneficiary for
whom a trust is then held hereunder, shall be added to such trust.
+I 4. Should the principal of any trust herein provided for be or become
too small in my Trustees' discretion to make establishments or continuance of the trust
advisable, my Trustees may distribute the remaining principal and any accumulated or
undistributed income outright to the beneficiaries in the proportions to which they are
then entitled. The receipts and releases of the distributees will terminate absolutely the
rights of all persons who might otherwise have future interest in the trust, whether
vested or contingent, without notice to them and without the necessity of filing an
account with the court.
SIXTH
I confer upon my executor the right to sell or otherwise convert any real or
personal property at public or private sale, at such time or time, in such manner, and for
such price or prices, and on such terms and conditions as my executor shall determine,
and to execute and deliver good and sufficient conveyances, assignments and transfers
of the property, without liability of any purchaser for the application of any
consideration; to borrow money and to secure its payment by mortgage of real or
personal property, pledge of investments, or otherwise, without liability on the part of
the lenders to see to the application thereof; to retain any investments at discretion; to
invest and reinvest at discretion, without restriction to so-called "legal investments;" to
make distribution in cash or in kind; to allocate and distribute different kinds or
disproportionate shares of property or undivided interests in property among
beneficiaries, in case or in kind, or partly in each; and to do all other acts and things
necessary or appropriate in the management, administration and distribution of my
estate.
SEVENTH
I direct that no trustee, executrix, guardian or other fiduciary named, nominated,
or appointed by this my Last Wili and Testament shall be required to post any bond or
give any security of any type for any purpose whatsoever, any law or rule of the court of
the Commonwealth of Pennsylvania or any other jurisdiction to the contrary
notwithstanding. I direct that the law of the Commonwealth of Pennsylvania shall apply
to any interpretation or application of the validity of this instrument.
EIGHTH
Any and all payment or payments of any sum or sums, whether in cash or in kind
and whether for principal or income, payable to an heir, or any of them, shall be made
upon the sole receipt of the respective individual to whom the payment is made, and
free from anticipation, alienation, assignment, attachment, and pledge, and free from
control by the creditors of any such beneficiary.
NINTH
I appoint my children, Christine H. Mahoney and Curtis A. Cleland, Co-Executors
of this my Last Will and Testament.
IN WITNESS WHEREOF, I have hereunto set my hand and seal to this, my Last
Will and Testament, consisting of five (5) typewritten pages, the first four (4) of which
bear my signature in the margin for the purpose of identification, this 11th day of March,
2003.
Joan H. Cleland
Signed, sealed, published and declared by the above named testatrix, Joan H.
Cleland, as and for her Last Will and Testament, in the presence of us, who, at her
request, in her sight and presence, and in the sight and presence of each other, have
hereunto subscribed our names as witnesses.
Q~ADDRESS Z°/o ~~~y-'~,. ~'~ . ~ !tsl.- ~~ l ~o~~
~ t~5 ~~-~IDDRESS 5i7 1~,~ • G1/l~! ~t u~ ~~t'• . 1U1~- ff~ll ~ S. /~~
70 ~~
i
COMMONWEALTH OF PENNSYLVANIA :
: SS.
COUNTY OF CUMBERLAND
We, Joan H. Cleland, ~~~~~ ~ l~ f~~~~ and l~'ryi ~~r~~t L. ~"1.51~~~he
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 of his Last Will and
Testament, and that she signed willingly and that she executed 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 witnesses, and that to the best
of their knowledge, the testatrix was at the time eighteen (18) years of age or older, of
sound mind and under no constraint or undue influence.
Sworn to and subscribed before me this 11th day of March, 2003.
4 _.....,...:,-__~_..... - . ..
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Settlement
(HUD-1)
OMB Approval No. 2502-0265
Unins. 6. File Number: 7. Loan Number: 8. Mortgage insurance Case Number.
Conv
RHS 3
FHA 2
1
^ ^ ®
.
.
.
.
11420 0216794610
4. ^ VA 5. ^Conv. Ins.
C. Note: This form is furnished to give you a statement of actual settlement costs. Amounts paid to and by the settlement agents are shown Items marked
"(p.o.c)" were paid outside the closing; they are shown here for inforrnatbnai purposes and are not inGuded in the totals.
D. Name & Address of Borrower:. E. Name 8 Address of Seiler: F. Name & Address of Lender:
Gwenddyn L Crews Joan Cleland Estate Suntrust Mortgage, Inc.,
413 Third Street, New Cumbedand, PA 17070 901 N. West Street, Carlisle, PA 17013 901 Semmes Ave, Richmond, VA 23224
G. Property Location: H. Settlement Agent: I. Settlement Date: 12127/2011
901 North West Street 1st Advantage Settlement Services Inc. Disbursement Date: 12/272011
Carlisle, PA 17013 6375 Mercury Drive, Suite 102, Mechanicsburg, PA 17050
Carlisle Borough
Telephone: 717-591-7755 Fax: 717-591-7756
Place of Settlement:
6375 Mercury Drive, Suite 102, Mechanicsburg, PA 17050 TitleExpress
Printed 12272011 at 10:26 am
by VW
100. Gross Amount Due from Borrower
101, Contract sales price 164,500.00 400. Gross Amount Due to Seller
401, Contras sales price 184,500.00
102. Personal 402. Personal
103. Settlement charges to bonowar (line 1400) 4,713.48 403.
104. ~.
105. 405.
Ad ustmeMs for items aW seller in advance Ad ustmeMs for items aid seller in advance
106. CityRown taxes to
107. County taxes 121272011 to 1213112011
11.13 406. CityRrnrm taxes to
407. County taxes 1212712011 to 12/31/2011
11.13
108. School Taxes 1212712011 to 06130/2012 932.56 408. School Taxes 12/2712011 to 06/30/2012 932.56
109. ~.
110. 410.
111. 411.
112.
120. Gross Amount Due from Borrower
170,157.17 412.
420. Gross Amount Due to Seiler
185,445.99
200, Amounts Paid or in Behalf of Borrower 500. Reduetlons In Amount Due to Seller
201. Deposit or earnest money
202. Principal amount of new loan(s) 2,000.00
131,000.00 501. Excess deposit (see instructions)
502. Settlement charges to seller (line 1400)
11,852.40
203. Existin I s taken su ' to 503. Existin I s taken sub'ect to
204• 504. Pa aff of first mo a loan
205. 505. Pa off of setarld mart loan
206. 506.
207. ~7•
208. 508.
209. ~.
Ad uetmertta for Items un aW seller Ad ustmerrts for Items un Id salter
210. Cityltoum farces to 510. Cityftown taxes to
211. County taxes to 511. County taxes to
212. School Taxes to 512. School Taxes to
213. 513.
214. 514.
215. 515.
216. 516.
217. 517.
218. 518.
219. 519,
220• Total Paid Borrower
133,000.00
520. Thai Reduction Amount Due Seller
11,852.40
300. C~h at Settlement fromfto Borrower 600. Cash at Setllement toHrom Seller
301. Gross amount due from borrower (line 120)
302, Less amounts paid bylfa borrower (line 220) 170,157.17
133,000.00 601, Gross amount due to seller (line 420)
602. Less reductlorls in amatnt due seller (line 520) 165,443.69
11,852.40
303. Cash ^X From ^ To Borrower 37,157.17 803. Cash ^X To ^ From Seller 153+591.29
Vila ~M1Ullaw ndegmaam-tlvww oMe canna nuroer. tm amlOaNalXybhmna4 ein aMr~wanmwwan. ~m swapmawa~•~w-+w.Rw•
wglwnwK poaeaa
Previous editions are obsolete Page i of 4 HUD-i
700. TotalRsaifstateBrokerFeas $10,165.00 Pald From Paid From
'
Division of commission Iine700 as follows: BOrrOWer'S Seller
S
701. $4,g35,pp to RelMaxlstAdvantage Funds at Funds at
702. $5 23p.p0 to Prudential Homesale Services
703. Commission paid at settlement Settlement Settlement
10,165.00
704. Commission to RelMaxlstAdvantage 3~•~
800. Items in Connectlon wtlh Loan
601. Our origination charge (Indudes Origination Pdnt 0.000% a $0.00) $1,935.00 (from GFE #1)
802. Your cxedit or change (pants) for the spedfic interest rate chosen $-1,310.00 (from GFE #2)
803. Your adjusted originatiar charges (irom GFE A) 625.00
804. Appraisal fee to Cenhal Penn A 'eels (from GFE #3) 375.00
805. Credit report to CREDCO (from GFE #3) 12.50
806. to (from GFE #3)
807. Flood certification to Core is Flood Services (from GFE #3) 6.00
808. ~
-900. Itorrre uirod: Lander to be Paid in Advance
901. Daily interest charges from from 12/2712011 to 01/01/2012 @ $14.32001day (from GFE #10) 71.60
902. M insurance ium months to Fran GFE #3
903. Homeowner's insurance for ears to State Farm Bank $452.00 P.O.C. B (f~ GFE #11)
904, months to from GFE #11
'1000:.: L er
1001. Initlal deposit for your escxow account (from GFE #9)
1002. homeowner's insurance months $ 0.00/month $
1003. M e insurance months $ /month
1004. Pro taxes months $ /month
1005. montlrs $ Imonth
1006. Schoa Taxes months $ 0.00/month $
1007. Aggregate Adjustment $
1100. Title Ch es
1101. Title services and lender's title insurance from GFE #4 1,242.38
1102. Settlenent a dosing fee to $
1103. Owner's title insurance from GFE #5 1 ~•~
1104. tender's title insurance $1,062.38
1105. Lender's title paicy limit $131,000.00 Lender's Poky
1106. Owner's the paicy limit $164,500.00 Owners Policy
1107. Agents portion of the total title insurance premium $1,033.07
1108. Underwriter's potion of the total title insurance premium $182.31
1109.
1110. Notary Fee to Vickie Welker 10'00
1200. Government Records and Transfer Cha es
1201. Govemment receding charges $ (from GFE #7) 150.00
1202. Deed $62.00 Mat $88.00 Release $
1203. Transfer taxes $ (from GFE #8) 1,645.00
1204. City/i;ounty tax/stamps Deed $1645.00 $
1205. State Taxlstamps Deed $1645.00 M e $ 1'~'~
1206. Deed $ M e $
1300. Additlonal SeltlementCha es
1301. Required services that you can shop for (from GFE #6) 83.0 0
1302. Tax Service Fee to ValuTree RIE Tax Services $83.00
1303. to
1304. Ra~f Flashing to Brandt 220.00 P.O.C. 5
1305. nal Wier Account 13) to Cadisle Borou h
~'
~ 4,713.48 ~ 11,852.40 (
'Paid outside of dosing by (B)orrower, (S)eller, (L)ender, (gnveste, Bro(K)er'. "Credit by lender shown on page 1. "'Credit by seller shown on page 1.
Previous editions are obsolete Page 2 of 4 HUD-i
Com ariiorr of Good Faith Estimate GF and HU61 Ch es
Cha That Cannot increase HUD-1 Une Number
Our origination charge #801
Your credit or d~arge (points) for the specific interest rate chosen # 802
Your adjusted origination charges # 603
Transfer taxes # 1203
Cha That in Total Cannot Increase More Than 10°k
Government recording charges # 1201
Appraisal fee # 804
Credit report # 805
#~
Flood certification #807
#
Ch ea That Can Ghan e
Initlal deposit for your escrow account # 1001
Daily interest charges from # 1 14.3200Ida
Homeowners insurance #903
itle services and lender's titre insurance # 1101
ere-title insurance # 1103
Tax Service Fee # 1302
Good Faith Estimate HUD-1
1,935.00 1,935.00
-1,310.00 -1,310.00
625.00 625.00
1,645.00 1,645.00
Good Faith Estimate HUD•1
175.00 150.00
375.00 375.00
12.50 12.50
0.00 0.00
6.00 6.
568.50 543.50
$ -25.00 r ~. 975
Good Faith Estimate HUD~1
0.00 0.00
157.52 71,60
452.00 2.
1,724.00 1,242.38
500.00 1
83.00 83.
~~.~ ,
Your initial loan amount is
$131,000.00
Your loan term is 30. years
Your initial interest rate is 3.9900%
Your initial monthly amount owed for principal, interest, and any mortgage $624.66 includes
insurance is ^X Prindpal
^X Interest
^ Mortgage Insurance
Can your interest rate dse? ^X No. ^ Yes, it can rise to a maximum of °k. The first change
will be on I I and can change again every years after 1 I .Every change
date, your interest rate can increase or decrease by %. Over the life of the loan, your
interest rate is guaranteed to never be lower than % or higher than %.
Even'rf you make payments on time, can your loan balance rise? ^X No. ^ Yes, it can rise to a maximum of $
Even 'rf you make payments on Gme, can your monthly amount owed for ^X No. ^ Yes, the first increase can be on 1 ! and the monthly
pdnapal, interest, and mortgage insurance dse? amount owed can rise to $
The maximum it can ever rise to is $
Does your loan have a prepayment penalty? 0 No. ^ Yes, your maximum prepayment penalty is $
Does your loan have a balloon payment? ^X No. ^ Yes, you have a balloon payment of $ due in
years on 1 I
Total monthly amount owed including escrow account payments ^X You do not have a monthly escrow payment for items, such as property taxes
and homeowners insurance. You must pay these items directly yourself.
^ You have an additional monthly escrow payment of $
that results in a total initial monthly amount owed of $ .This includes principal interest,
any mortgage insurance and any items checked below:
^ property taxes ^ Homeowners insurance
Flood insurance ^
^ ^
Note: If you have any questions about the Settlement Charges and Loan Terms listed on this form, please contact your lenaer.
Previous editions are obsolete Page 3 of 4 HUD-1
HUD CERT1FICATION OF BUYER AND SELLER
I have carefulty reviewed the HUD•1 Settlement Statement and to the best of my knowledge and belief, it is a true and accurate statement of all receipts and
disbursements made on my account or by me in this tranaadion. l further certify that 1 have receNed a copy of the HUD-1 Settlement Statement
olyn L Crews
Joan Cleland Estate
The HUD-1 Settlement Statement which I have prepared is a true and accurate account of this transaetion.l have caused or will rouse the funds to be
disbursed in accordance with this statement
~ ~~ ~ ~i
SETTLEMENT DATE
WARNING: IT IS A CRIME TO KNOWINGLY MAKE FALSE STATEMENTS TO THE UNITED STATES ON THIS OR ANY SIMILAR FORM. PENALTIES UPON
CONVICTION CAN INCLUDE A FINE AND IMPRISONMENT. FOR DETAILS SEE TITLE 18: U.S. CODE SECTION 1001 AND SECTION 1010.
Previous editions are obsolete Page 4 of 4 HUD-1
1
Name of Borrower.
Gwendolyn L. Crews Name of Seller.
Joan Cleland Estate Flle Number
11420
TrtleExpress
Prepared 12/2712011 at 10:21 am
Note: This page is furnished to give you an itemization of the amounts shown on
Lines 1101, 1103 and 1104 of the Settlement Statement (HUO-1). This page
accompanies but is not a part of the settlement statement. If a discrepancy
exists, the information shown on the Settlement Statement (HUD-1 }applies. Paid From
Borrower's
Funds;at
Settlemenf Paid From
Seller's
Funds at
Settlement
1100. Title Charges Amounte'ineluded
in Une 1101
1101. Title services and lenders title insurance 1,242.38
a. EmaillDoc Cop Fee $ 35.00
b. Ovem' ht Delivery fee-Package 25.00
c. Wire In Fee 10.00
d. No Fee ~ 35.00
e. Closin SerNce Letter 75.00
$ 180.00
1102. Settlement or dosin fee
1103. Owners title insurance policy $ 153.00 153.00
1104. Lenders title insurance (pdity) 912.38 $ 1,062.38
a. Endorsemen1900 EPL-Resitlendal 50.00
b. Endorsement 100 No ~dadon) 50.00
c. Endorsement 300 Survey 50.00
(Total 1103 + 1104)
1105. ,Lends tide. II limit $131;000.00 5012742.18884
1106: Ownerstltle i limit $164,500.00 5011442.21566
-1107. rs pardon of the total title.irtsurance premium $ 1,t133:OT
1108. lJhderwdter's pardon of (he4otai the insurance piem. 182~3f
(Tota11107 +1108)
1109.
1110.
1111
1112.
1100. Title Cho" ee wkh ee ...Total
Cho e ` ;Borrower
POC'or (:redk Bondwer'
Line 1101'. :?Seller
Paid ,
1101. Tide services and lenders the insurance $
a. EmaiN)oc Copy fee to 1st Advantage Settlement Services Inc. 35.00 35.00
b. Overnight (kllvery Fee-Package to 1 st Advantage Settlernent Servik~s Inc. 25.00 25.00
c. Wire In Fee to 1 st A e Settlement Services Inc. 10.00 10.00
d. Notary Fee to ~k*ie Welker 35.00 35.00
e. Closi Service Letter to Flrst Amedk«ul Title Insurance Company 75.00 75.00
1104. Lenders title insurance to 1st Advantage Settlement Services Inc. 1,062.38 1,062.38
$ ; 1,242:38 1;242:38
JOAN CLELANO ESTATE
t3~i1YL~1~Fi / ~ ' to 12/27/11
~~~J
ate 12/27/11
dolyn L. Cr
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$~ C p p .o.T~ -o.ea~c ~~~`"` S 76.59 s~s.ea S7s.ea , see.ao sa~.oa
~7 ^ vv Volume 202,998 . ~
Sa 7e ae 119 1p 3p L ~,
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Enter Date: ',
Historical quote for: MTB
Wednesday, March 30, 2011 , - -. _ _ - _ _ _ _ _ _~.. ~ s2
Closing price:
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_ __-_A far,
High:. _ _ (89,92
Low: (97,63
Volume: 122,027
_ _.__ _ . _ ____ s _ _..:., _.,
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J~I,iioci JL~N~
499 Mitchell Road, Millsboro, DE 19966 Adjustment Services
Baric Scherer Attorneys At Law
19 West South Street
Carlisle, PA 17013
Re: Estate of Joan H Cleland
Social Security: 192-34-7144
Date of Death: Mazch 30, 2011
Phone 888-502349
F ax (302) 934-2955
Apri118, 2011
Deaz Sir or Madam:
Per your inquiry on April 14, 2011, please be advised that at the time of death, the above-named decedent had
on deposit with this bank the following:
1. Type of Account Checking Account
Account Number 395102
Ownership (Names o, fl Joan H Cleland
Curtis A Cleland (POA)
Opening Date 11/l4/89
Balance on Date of Death $7,299.50
Accrued Interest $ .1 S
Total -_ $7,299.65
2. Type of Account Savings Account
Account Number 15004201820659
Ownership (Names o, fl Joan H Cleland
Curtis A Cleland (POA)
Opening Date 09/11/10
Balance on Date of Death $140,437.36
Accrued Interest $ 36.91
-- - ----------------
Total $140,474.27
For any additional information on the above accounts, tndudhug ownership. and any dumges, dosurea and/or rehnbnrsemeut of llsnds, -
please call tbe Stonehedge Once at 1R717-?AO-4524.
We were unable to locate any safe deposit box for the above-mentioned decedent.
This letter does riot hx~luude any aooounts in which the deceased may have been listed as Power oY Attorney, (~Stodisn of ihdform ZY~aoefess,
Representative Payee, ar Trustee under a Written Agrem~mt
Sincerely,
Tammy Spencer
Adjustment Services
` ~
... ,
~__._._ _~_w. .._~
r
Western & Southern Life
A member of Western & Southern Financial Group
Annuity Operations
PO Box 2918
~~ Incinnati, OH 45201-2918
~:~G~~ ,toll fare 800.926.1702
fax 513.629.1799
November 17, 2011
CHRISTINE H MAHONEY
918 GOBIN DR
CARLISLE, PA 17013-1.515
Subject: Annuity Contract Number W0020598906
Western-Southern Life Assurance Company
Dear Christine Mahoney:
Thank you for contacting the Western-Southern Life Assurance Company about
your annuity. The following is the requested information:
• Date of death value as of 3/30/11: $32,378.71 ~± 1~'t ~
If you have any questions, please contact our Annuity Operations Department at
1-800-926-1702. A representative will be happy to help you.
Sincerely,
Be y Wecker
Annuity Operations Department
DC0361-0810
Western-Southern Life Assurance Company