HomeMy WebLinkAbout10-08-13 (2) J 150561�1�5
REV���oo ex�oz-ii���t� r
enns lvarria OFFICIAL USE ONLY
PA Department of Revenue P Y County Code Year File Number
� � � OEPApTNfNT Oi REVEXUE
Bureau of Indrndual Taxes INHERITANCE TAX RETURN
PO BOX 28o6oi
Harrisbur PA i i28-o6oi RESIDENT DECEDENT ; � �
�
ENTER DECEDENT INFORMATION BELOW
Social Security Number Date of Death MMDDYYYY Date of Birth MMODYYYY
__.... ..._. _........ . ..._. _._.... _ ......_... _.._. _....... ,
07/09/2013 04/29/1920
___ _ ___ __ _ __ _ _ _ _ _ __:
Decedent's Last Name Suffix Decedent's First Name MI
PIAZZA i MILDRED C ''
' __ _ __ : _
(If Applicable)Enter Surviving Spouse's Information Below
Spouse's Lasi Name Suffix Spouse's First Name MI
, _......... , _.. ;
_._. .. ....... : _.. ........ ; ___ __..._ __ _ _...
Spouse's Social Security Number
:............_............... _ _........... __...... THIS RETURN MUST BE FILED IN DUPLiCATE WITH THE
_ __
REGISTER OF WILLS
fILL IN APPROPRIATE OVALS BELOW
� 1.Original Retum O 2.Supplemental Retum O 3. Remainder Return(Date of Death
Prior to 12-13-82)
p 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 8. Total Number of Safe Deposit Boxes
(Attach Copy of Will) (Attach Copy of Trust.)
O 9.Litigation Proceeds Received O 10.Spousal Poverty Credit(Date of Death O 11. Election to Tax under 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
. _ _..... .. . ...... _..._. _.._ _..._._ ........ __._. .. _. ___..._ _._.._.. ____... _......._ ...._ _,
Paul D. Daggs, Esquire (717)884-4963 r�.
_._.. .... _ _ _ _
�= �
.:�...
R�&IS�,R OF WILLS USE�YC"'�
W �� � �� �
First Line of Address m ~���'�! �� r'� �� �
........................................................................................................._...._.........................._._............................................................................................................................................_.._................_............. �7 �� i..`" �,..w,� t�
`� �'f ;;;t° �
130 W. Church Street �- �'7 �:�� � �
_ : ��� . ,..�, �a �
_ ._ __. _ __ ____ _ _ _ ____ _ ___ � � --� �� �-�r1
Second Line of Address �a r-�,
,.; � ,,.,.- `"�"r
__ _ �"a Cm� . -,�,,.
Suite 100 ; �.-� �,�',�, � •-� �
__...... .. _..... _ __ _ _.
� ""�''DATE FILED � �
City or Post Office State ZI P Code ___.. _.. _.�._. f,� �
___._ __ _ _...__ __
Dillsburg PA 17019 � �'—'
__ ___ _ _ ___ _;
, Correspondent's e-mail address:paul dBggSlaw.COm
Under penalties of peryury,I deGare that I have examined this retum,including accompanying schedules and statements,and to the best of my knowledge and belief,
it is true,co�and complete.Declaration of preparer other than the personal representative is based on all infarmation of which preparer has any knowledge.
SIG RE OF PERSON PONSIBLE F FILING ETURN DATE
10/01/2013
ADDRESS
400 Ridge Avenue, Enola, PA 17025
SI E O P R ER THAN REPRESENTATIVE DATE
10/01/2013
ADDRESS
130 W.Church Street, 0, Dillsburg, PA 17019
PLEASE USE ORIGINAL FORM ONLY
Side 1
� 15056101�5 1505610105 J
UJ
� 15�5610205
REV-1500 EX(FI)
Decedent's Social Secu�ity Number
.............................._.... ......... ........................_..............._................;
oecedent's rvame: MILDRED C PIAZZA
RECAPITULATION
__._...._.._......._................_.......__._._._..._...._....................__............_......
1. Real Estate(Schedule A}. ............................................ 1. ; 105,000.00 ;
2. Stacks and Bonds(Schedule B) ....................................... 2. ;
3. Ciosely Heid Corporation,Partnership or Sole-Proprietorship(Schedule C) ..... 3.
4. Mo�tgages and Notes RecQivable(Schedule D)........................... 4.
5. Cash,Bank Deposits and Misceilaneous Personal Property(Schedule E)....... 5. ; 84,047.33 ;
6. Jointly Owned Property(Schedule F) O Separate Billing Requested ....... 6. 124,310.87 ;
..,. . . ........ .,.... . .:. . ;
7. Inter-Vivos Transfers 8�Miscellaneous Non-Probate Property
(Schedule G) O Separate Billing Reguested........ 7. ; '
8. Total Gross Assets(total�ines 1 through 7)............................. 8. 313,358.20
9. Funeral Expenses and Administrative Costs(Schedule H)................... 9. ' 17,735.88
10. Debts of Decedent,Mortgage Liabilities and Liens(Schedule I)............... 10. ; 1,384.82 ',
11. Total Deductions(total Lines 9 and 10)................................. 11. ; 19,120.70 :
12. Net Value of Estate(Line 8 minus Line 11) .............................. 12. ' 294,237.50 i
,.:: ..... ,:..::. .�...,.. .,.;
13. Charitable and Govemmental Bequests/Sec 9113 Trusts for which
an election to tax has not been made(Schedule J) ........................ 13. ; '
14. Net Value SubjeCt to Tax(Line 12 minus Line 13) ........................ 14. 294,237.50
TAX CALCULATION-SEE INSTRUCTIONS FOR APP�ICABLE 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�ineal rate X.0 45 294,237.50 �g. 13,240.69 ;
.... ...., _ ...... .._.,.... ..._.. . .....
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. 13,240.69 '.
_.........._.........................._...._............................._......................................................:
20. FILL IN THE OVAL IF YOU ARE REQUESTING A REFUND OF AN OVERPAYMENT O
$Id@ 2
� 1505610205 ],505610205 J
REV-1500 EX(FI) Page 3 File Number
Decedent's Complete Address:
DECEDENTS NAME
Mildred C Piazza
STREET ADDRESS
5 E. Locust Street
CITY STATE ZIP
Enola PA 17025
Tax Payments and Credits:
1. Tax Due(Page 2,Line 19) (1} 13,240.69
2. Credits/Payments
A.Prior Payments
B.Discount 662.03
Total Credits(A+B) (2) 662.03
3. Interest
(3)
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 re#und. (4}
5. If Line 1+Line 3 is greater than Line 2,enter the difference.This is the TAX DUE. (5) 12,578.66
Make check payable to: REGISTER OF WILLS,AGENT.
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PLEASE ANSWER THE FOLLOWING QUESTIONS 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 nght 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"or payable-upon-death bank account or security at his or her death?.............. ❑ �
4. Did decedent own an individual retirement account,annuity ar other non-probate property,which
contains a beneficiary designation? ........................................................................................................................ ❑ �
IF THE ANSWER TO ANY OF THE ABOVE QUESTIONS IS YES,YOU MUST COMPLETE SCHEDULE G AND FILE IT AS PART OF THE RETURN.
. : ��.. . ��.��.��o.��,,.:-." sR�'°?�oT�...0 .., ���� '��r,���=S:��a �,c�:" ��'�� ';e ,"�.,.�.'������� s fi�€a�� �:s� �:♦ z,a,�,r,�z��.a� :c�.w.�.�^��j<.'S:...<�;. ':�"�'� "��4';� '^a
.�' .�?F� ��:o �c�a:.¢,.�Yx:.y:,'s.;, s'Y.'#'��C.>>o� yS.:Y. ���"t. ..Q a.cY�..AY. ��� „<.'F..<s �es s, ,�,�` �ca
`So =;4�`�'��U�.��.��� ^'WS�.��'.� . 'w.:� �r
.��. . . . .. .�. . � x ..�, ��$ £,W.-s.,�x c Yx�„r4`�' a �a � S "�f'..�� '�`.,"z%�s..i� .a v �. E,�.. .s..<.`;.:
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�:.... ....... . .. ......... ..... ...... . . . •� :.
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)].
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)].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 retum are still applicable even if the suroiving 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)].
• The tax rate imposed on the net value of transfers to or for the use of the decedent's lineal benefiaaries 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 decedenYs siblings is 12 percent[72 P.S.§9116(a)(1.3)].A sibling is defined,
under Section 9102,as an individual who has at least one parent in common with the decedent,whether by blood or adoption.
REV-1502 EX+(12-12)
� pennsylvania SCHEDULE A
DEPARTMENT OF REVENUE
INHERTfANCE TAX RETURN REAL ESTATE
RESIDENT DECEDENT
ESTATE OP: FILE NUMBER;
MILDRED C PIAZZA 2113-0844
Ali real property owned solely or as a tenant in common must be reported at fair market value.Fair market value is defined as the price at which property
would be exchanged between a willing buyer and a willing seller,neither being compelled to buy or sell,both having reasonable knowledge of the relevant facts.
Real property 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 Include a copy of the deed showing decedent's interest if owned as tenant in common. VALUE AT DATE
NUMBER OF DEATH
DESCRIPTIQN
i� 5 E.Locust Street,Enola,PA 17025 105,000.00 ,
_ _ _
TOTAL(Also enter on Line 1, Recapitulation.) $ 105,000.00
If more space is needed,use additional sheets of paper of the same size.
REV-s5o8 EX+(o8-iz}
pe insylvania SCHEDVLE E
DEPAR�ENT OF REVENUE CASH, BANK DEPOSITS & MISC.
INHER�hNCE TAX RETURN PERSONAL PROPERTY
RESID T DECEDENT
ESTATE OF: FILE NUMBER:
MILDRED C PIAZZA 2113-0844
Inciude the proceeds of litigation and the date the proceeds were received by the estate.
Ali property joindy owned with right of survivorship must be disclosed on Schedule F.
ITEM VALUE AT DATE
NUMBER DESCRIPTION OF DEATH
�. Susquehanna Bank Savings Account#203300000015 81,164.14
2, Metro Bank Checking Account#0513304576 883.19
. 3. Rolling Green Cemetery Plots(2 plots valued at$1,000 each} 2,000.00
. _ _ __
TOTAL(Also enter on Line 5, Recapitulation) $ 84,047.33
If more space is needed,use additional sheets of paper of the same size.
REV-�o9 EX+(oi-so)
� pennsylvania SCHEDI�LE F
OEPARTMENT OFREVENUE
INHERITANCE TAX RETURN �OI NTLY-OWN E D PRO PE RTY
RESIDENT DECEDENT
ESTATE OF: FILE NUMBER:
MILDRED C PIAZZA 2113-0844
If an asset became jointly owned within one year of the decedent's date of death,it must be reported on Schedule G.
SURVIVING]OINT TENANT(S)NAME(S) ADDRESS RELATIONSHIP TO DECEDENT
A•Donna A. Leach 400 Ridge Avenue, Enola, PA 17025 daughter
B. _ _
C.
70INTLY OWNED PROPERTY:
LETTER DATE DESCRIPTION OF PROPERTY 96 OF DATE OF DEATH
ITEM FOR JOINT MADE INCLUDE NAME OF FINANCIAL INSTITUTION AND BANK ACCOUNT NUMBER OR SIMILAR DATE OF DEATH DECEDENT'S VALUE OF
NUMBER TENAIYT ]OINT IDENTIFYING NUMBER.ATTACH DEED FOR lOINTLY HELD REAL ESTATE. VALUE OF ASSET INTEREST DECEDENT'S IM'EREST
1. A. Mid-Penn Bank CD#309003067 52,783.36 ` 50 26,391.68 '
2. A. Westem&Southern Life Annuity Contract#W0020191060 195,838.38 50 97,919.19
_ _ _ _ __ __ _
TOTAL(Also enter on Line 6, Recapitulation) $ 124,310.87
If more space is needed,use additional sheets of paper of the same size.
REV-1511 EX+(08-13}
� pennsylvania SCHEDULE H
DEPARTMENTOFREVENUE FUNERAL EXPENSES AND
1NHERITANCE TAX RETURN ADMINISTRATIVE COSTS
RESIDENT DECEDENT
ESTATE OF FILE NUMBER
MILDRED C PIAZZA 2113-0844
Decedent's debts must be reported on Schedule I.
ITEM
NUMBER DESCRIPTION AMOUNT
A. FUNERAL EXPEN5ES: _ _ _
_
1' Musselman Funeral Home in Lemoyne,PA 8,583.00
_ _ _ _ _ _ _ _
2.; Rolling Green Cemetery 1,495.00
_ 182.00 :
3. Reception
B. ADMINTSTRATIVE COSTS:
1. Personal Representative Commissions
Name(s)of Personal Representative{s)
Street Address__ ___ __..___ ._ __ ____.—_____._—_.__. _
City — -- --State---- ZIP
Year(s)Commission Paid:
3,067.00
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: 458.58
5. Accountant Fees:
6, Tax Return Preparer Fees:
�. estate publications _ _ _ _ _ _ 250.00
_ _ _ _ _ _ 350.00
8. real estate appraisal fee _
s. real estate utilities,maintenance,repairs and upkeep 3,350.00
_ _ _ _ _ _ _ _ _
_
_ _ _ __
_ _
_ _
TOTAL(Also enter on Line 9, Recapitulation) $ 17,735.58
If more space is needed,use additional sheets of paper of the same size.
REV-1512 EX+(12-12)
pennsylvania SCHEDULE I
DEPARTMENT OF REVENUE DEBTS OF DECEDENT,
INHERITANCE TAX RETURN MORTGAGE LIABILITIES 8�LIENS
RESIDENT DECEDENT
ESTATE OF FILE NUMBER
MILDRED C PIAZZA 2113-0844
Report debts incurred by the decedent prior to death that remained unpaid at the date of death,inciuding unreimbursed medical expenses.
ITEM VALUE AT DATE
NUMBER DESCRIPTION OF DEATH
1� Sewer 128.70
_ 2. Cable 74.22
3. Verizon 16.99
4. Water 25.67
5. PPL 129.05
6.: East Pennsboro Scool Tax 1,410.19 '
TOTAL(Also enter on Line 10, Recapitulation) $ 1,384.82
If more space is needed,insert additional sheets of the same size.
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OF
MILDRED C. PIAZZA
I, MILDRED C. PIAZZA, now of Cum.berland County,
Pennsylvania, declare this to be my Last Will and Testament and
hereby revoke all prior wills and codicils made by me.
FIRST: My Executor shall pay from the residue of my estate
all my funeral expenses, administration expenses, and all estate,
inheritance, succession, and transfer taxes imposed� by the United
States or any state, territory, or possession which shall become
payable by reason of my death. It shall not be necessary to file
any claims therefor, nor to have them allowed by any court.
SECOND: I give all tangible personal property and insurance
. thereon, which I own, not including cash and securities, as is
set forth in a separate, dated, unsigned letter of instruction,
which I shall place with my Will, to the persons therein
designated. If I have not left a letter of instruction or for
those articles of property not distributed by my letter of
instruction, I give such tangible personal property to my
daughter, DONNA ANNE LEACH, a/k/a ANNE DONNA LEACH, if she
survives me, to be distributed in accordance with my wishes. �
THIRD: I give and devise the residue of my estate, real,
personal and mixed, of whatever kind and nature, and wherever
situated at the time of my death, including any property over
which I now have or hereafter acquire a power of appointment, to
. ` t �
LAST WILL AND TESTAMENT
OF
MILDRED C. PIAZZA
my daughter, D�NNA ANNE LEACH, a/k/a ANNE DONNA LEACH, per
capita, provided that my daughter survives me by sixty (60) days.
If my daughter, DONNA ANNE LEACH, a/k/a ANNE D4NNA LEACH,
predeceases me or is not living on the sixty-first (61st) day
after my death, I give and devise the residue of my estate, real,
personal and mixed, of whatever kind and nature, and wherever
situated at the time of my death, including any property over
which I now have or hereafter acquire a power of apgointment, to �
my nephew, ROBERT E. FAKE, JR. , per stirpes.
FOURTH: I nominate, constitute and appoint my daughter,
DONNA ANNE LEACH, a/k/a ANNE DONNA LEACH, Executor of this my
Last Will and Testament, to serve without bond or security, and
to make distribution of my estate in cash or in kind, or partly
in cash and partly in kind, and in such manner as she may
determine. I authorize, empower and direct her to sell and
convey, by good and sufficient deed, in fee simple estate, any
and all of mv estate, at public or private sale, for such price
or prices, upan such terms and conditions, as in her judgment is
best for my estate, and to that end to sign, seal, execute,
acknowledge and deliver all �eeds or other instruments necessary
therefor, as effectively as I could do if I were personally
present.
-2-
1
1 • 1 �
LAST WILL AND TESTAMENT
OF
MILDRED C:. PIAZZA
IN WITNESS WHEREOF, I, MILDRED C, PIAZZA, the Testatrix,
have to this my Last Will anc� Testament, set my hand and seal
..
th i s r 5r d ay o f `�,�:,�..�.=�.�;_-,��.�.,. , 19 8 9 .
f.
F
_ {
'�� ��.�.�' : � �... � ...�.�;�,- � �-��...: (s E�,)
MILDRED C. PIAZZA
Signed, sealed, published and declared by the above named
Testatrix, as and for her Last Will and Testament, in the
presence of us, who have hereunto subscribed our names at her
rea�uest, as witnesses hereto, in the presence of the said
Testatrix, and of each other. The preceding document consists of
this d two ) other consecuti�ely numbered typewri�ten pages.
� �� �
---'1�,;-����. ��`` . .>_ s y t �-,
� � residing at . � ����'L����: �.�� � _ � �.. '
f �
' �. ' �.�..,r�r...�, re s iding at � , ��:� __ '�.. ,/-
-3-
. , • ,
ACKNOWLEDCMENT AND AFFIDAVIT
COMMONin1EALTH OF PENNSYLVANIA )
` ) SS. :
COUNTY 4F ��; �''�' )
s
.
The T'estatrix and the witnesses whose names are subscribed
to the foregoing instrument, being first duly sworn and qualifiEd
according to law, do hereby acknowledge and declare to the
undersigned authority that the Testatrix signed and executed. the
instrument as her last Will in the presence of the witnesses,
that she signed willingly or willingly directed another to sign
for her, that she executed it as her free and voluntary act for
the purposes therein expressed, that each of the witnesses, in
the presence anc� hearing of the Testatrix, signed the �nTill as
witnesses, and that to the best of their knowledge the Testatrix
was at th�t time eighteen years of age or older, of sound mind
and under no constraint or undue influence.
� � .. 1 � �� �
,� s
Testatrix % �
� , �
��,:���---_..__.....
W' ness
�� .
�'/ /) /�
, �'�,�,--��,� �_.r - L�.�'L-l�,�t...,L1� _
! Witne�s
Sworn to, subscribed and acknowledged�efore me by the �bove
nam Testatrix and tnesses this 1S� day of
L
,� : , 198�.
l
� �:'L�..�,a..-�.. ',-�-�-�...,4,.��- (SEAL)
Notary . blic
Attorney-at-L�aw .
�....._. .
Not3;'ts:��9c�1 •i .
Ber�ice Jen�ings,t�atary PMbiic
M�.rr6sh�rg,aau�h�r���L��ty
Aqy Ca;nryis:�ic�r►�:xpir��Ac�s:�3t!.19� ;
. .,____.._��.____.r
�°M: I NVOIC E
Jennffer L Walak
J 8�J Appraisals
PO BOX 543 LOCUSTSTE5
Enola,PA 17025
JJappraisals@comcast.net 09/24/2013
Tebphone Number:717-695-6686 Fax Number. 717-525-9582
T0: I�Memal 0►der N:
lenckr Case#:
Paul Daggs,Esq. CIieM Fib�:
130 W.Church Street
Main FNe N on fam: LOCUSTSTE5
Suite 100
Diltsburg,pa 17109 Other F'�le#on fam:
Tebphorie Number:717-884-4963 Fax Number. Fedaal Tax D:
ANem�e Number. E-Mai: Employer ID: 45-4641159
Residential Appraisal Summary Report
Lender:Paul Daggs,Esq. qient: Paul Daggs,Esq.
Pufchas6f/BOrrow6r:N/A
PfOplrty AddfeSS:5 E Locust St
City:Enola
CouMy:Cumberland State:PA Zip: 17025
L.eg�D88Criptlon:Deed Book Z13 Page 133
5 East�ocust Street,Enola PA 17025 350.00
Paid in Full -350.00
SUBTOTAL �
Chedc+�: Date: Desaiption:
Chedc#: Date: Deacription:
Check#: Date: Description:
SUBTOTAL ;
We appreciate your b�siness.Thank you,,len TOTAL DUE � 0
Form NN5—'WinTOTAL'appraisal software by a la mode,inc.—1-800-ALAMODE
J&J Appraisals(717)919-8655
Borrower/Clier� N/A File No. LOCUSTSTE5
Pra Address 5 E Locust St
C' Enola Cou Cumberland State PA Zi Code 17025
Lender Paul Da s Es .
TABLE OF CONTENTS
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Summaryof Salier��eatures............................................................................................................................................................................................. 1
GPReside�ial .................................................................................................................................................................................................................. 2
GeneralText Addendum..................................................................................................................................................................................................... 5
SubjectPhotos................................................................................................................................................................:................................................. 7
PhotographAddendum ..................................................................................................................................................................................................... 8
PhotographAddendum ..................................................................................................................................................................................................... 9
PhotographAddendum ..........................................................................................................................................................................:.......................... 10
ComparablePhotos 1-3..................................................................................................................................................................................................... 11
BuildingSketch(Page-1)................................................................................................................................................................................................. 12
LocationMap..................................................................................................................................................................................................................... 13
FloodMap.......................................................................................................................................................................................................................... 14
SubjectDeed-Page 1....................................................................................................................................................................................................... 15
SubjectDeed-Page 2....................................................................................................................................................................................................... 16
Errors&Omissions Insurance........................................................................................................................................................................................... 17
LICENSE............................................................................................................................................................................................................................ 18
Form TOCP LT—"WinTOTAL"appraisal software by a la mode,inc.—1-800-ALAMODE
i
SUMMARY OF SALIENT FEATURES
SUbject Address 5 E Locust St
Legal Descriptlon Deed Book Z13 Page 133
City Er�la
Coumy Cumberland
State PA
�ip Code 17025
Census Tract 0101.00
Map Reference Hbg ADC 3006/6-6
Sale Price $
Date of Sale
BOrrower/CIieM N/A
Le�� Paul Daggs,Esq.
Size(Square Feet) 936
Price per Square Foot $
Location Residential
Age 65
Condition Average/Dated
Total Rooms 5
Bedrooms 2
i
Batl�s 1
Appraiser JenniFer L Walak
Date of Appraised Value 07/09/2013
Opinion of Value � 105,000
Fonn SSD3—"WinTOTAI"appraisal software by a la mode,inc.—1-800-ALAMODE
J&J Appraisals p17)919-8655 in Fil
RESIDENTIAL APPRAISAL SUMMARY REPORT ��: LOCUSTSTE5
Pro Address: 5 E Locust St C' :Enola State:PA Z Code:17025
Cou : Cumberland L al Descri tion: Deed Book Z13 Pa 133
Assessor's Parcel#: 09-16-1050-067
Tax Year:2013 R.E.Tanes:a 1 468 S ial Assessmer�s:a none known Borro�r 'rf a icable: N/A
Current Owner of Record: Piaaa John 8 Mildred Cora Occu ar� Owner TenaM VacaM Manufact�ued Housi
Pro' t T : PUD Condomr�m C ative Other describe N/A HOA:S N/A r r monq�
Market Area Name: East Pennsboro Townshi Ma Rr�erence: H ADC 3006/B-6 Census TraCt: 0101.00
The se of this taisal is to develo an 'nion of: Market Value as defir�ed,or �ther of value describe
This re reflects the fdbwf vaNre not CurreM,see comr�ents: Current the Ins 'on Da1e is the EffecUve Date ReVos e Pros 've
aches deveb fa ttds a raisal: Sales Co rison A oach Cost roach Incane oach See Reconciliation ComrtieMs and Sco of Wo�C
Pro Ri hts ised: Fee Si le Leasehold Leased�ee Otl�er describe
kdended Use: Opinion of Fair Market Value for estate purposes.The effective date of this report is the provided date of death 07/09/2013.
Irdended USer s �ame or e: Paul Da s Es .�Donna Leach Ezecut' R ister of Wills.
C�ent: Paul D s Es . Address: 130 W.Chtxch Street Suite 100 Dillsbu a 17109
ise,�: Jennifer L Walak Address: PO BOX 543 Enola PA 17025
Location: Urban Suburban Rural Prcdominant On�Wn1t Nousing Present Land Use Change in Land Uae
Built up: �Over 7596 0 25-7596 ❑Under 25% ��y PRICE AGE One-Unit 70%�Not Likdy
C�rowm rate: ❑Rapid �Stable ❑Slow �(h�mer E(000) (yrs) 2-4 Unit 5%❑Likey* ❑In Pracess*
Prop�tty values: ❑Increasing �Stable ❑Dec�ning ❑Tenant 31 Low 0 Multi-Unit 5% *To:
Dernand/supply: ❑Shortage �In Balance ❑Over Supply ❑VacaM(0-5%) 859 Hf h 200 Comm'I 10%
Nlarlcetl time: Ur�der 3 Mos.�3-6 Mos. ❑Over 6 Mos. Vacar� >5% 206 Pred 50 vacaM 10%
Market Area Boundaries,Description,and Market Conditlons pnduding suppat for the above characteristics and Vends): The subiect prouerty is bound on the
north,east,south and wgst bv the East Pennsboro Township lines and is servioed bv the East Pennsboro School District.This suburban
�hborhood has public utilities available,relatively easy acxess to empbyments and services and is competitive vuith other neighbortioods in
the c)eneral area.No urrFavorable fadors were observed which w�ould cause any adv�erse marketability.Note:The neighborhood was defined as
East Pennsboro Township.It is not uncommon to define a nei�hbort�ood by a municipality(township)in this market area and mis.The most
reliable way to oollect data required in the neighborhood sedion of this report is to utilize the local mis.The mis prrnrides search options that
allow the collection of actual data for municipalities and school districts in order to preverrt a misleading report.Additionai sources of the data
required for the neighborhood section is limited and/or not available and those that are available are deemed not as reliable as the local mis
statistics.
Dirt�ensions: 125 x 70 x 125 x 70 Site Area: 0.27 acres
Zordng ClassiflCatlon: R2 Residential DesCription: Zoning obtair�ed from East Pennsboro
Townshf online zoni ma . Zod C ance: L al L I noncorrformi randfaUtered I al No z
Are CC&Rs icaDle? Yes No Ur�known Have tlie docume�ts been reviewed? Yes No Ground ReM Iicable E /
Highest&Best Use as improved: �Prese�use,or ❑Olher use(aptain) Single Family Residential Use is the current and Hi�hest and Best Use of
the Subjed property.
ACtual Use as of EffeCtivC Date: Residential Sing�e Family Use as appraised in this reporC Residential Si le Fami
SUmmary of Highest&Best Use: The Highest and Best Use of the subiect property is as a single family residential use property.
Utllitl� PubHc Other Provider/Description Off-si6e Improvemenffi Type Public Private Topography Level/Sli ht Slo e
Elechicity � ❑ Street None ❑ ❑ Size Typical for area
Gas ❑ ❑ none per executrix Curb/Gutter None ❑ ❑ Shape Redarx�ular
�� � ❑ Sidewalk None ❑ ❑ Drainage red Ad uate
Sanilary Sewer� ❑ Street Lights Yes � ❑ Yew Residential
Storm Sewer ❑ AI None ❑ ❑
�site elements: Inside Lot ❑Corner Lot ❑Cul de Sac ❑Under raind lRiliUes ❑Other describe
fEMA S 'I Fbod Hazard Area Yes No FEMA Fbod Zone X FEMA Ma #42041 C0118E FEMA Oate 03/16/2009
Site Commenl5: There were no apparent adverse environmerrtal conditions observed upon inspection of the improvements,the site,or in the
immediate vicinity of the subiec�property. There were no appareM adv�erse easemerrt,encroachments,or other adverse conditions obsenred
on this site. Sir�le Famiy Residertial is the current and the Highest and Best Use of the subjed property.
Ger�l Descr�lion Ezterior Descrlptlon Foundatlon Basement None Heedr�g
�of Units 1 ❑Acc.Unit Foundation concreteblock Slab Fami Room Area Sq.Ft. 720 Type baseboard
#of Stories 1 Fxterior Wa�s sidi Crawl Space None %Fnist�ed 0°k Fud eledric
Type�Det.❑Att. ❑ Roof Surface shi les Basement Partial Ceiling unfin�shed
Design(Style) Ranch Gutters&Dwnspts.metal Sump Pump❑None Walls conc block Ccoling
�Existlng❑Proposed❑Und.Cor�s.Window Type most re lacemn Dampness ❑None fbor ooncrete Ce,ntral Yes
Achral Age(Yrs.) 65 StomVScre�s no/ s Sett�meM None Outside Errtry walk u (�
Effective A rs. 20 Ir�estation None
Mkria Deacriptlon Appier�ces At4c❑None Amonides Cer Staage �None
Fbors ca et Refrigerata �Stairs ❑Freplace(s)#0 Woodstove(s)#0 Garage #of cars( Tot.)
Walls IasteN aneli Rar�geJOven �Drop Stair❑Patio none Other Shed Attach.
TrfrrdFrrsh wood Disp�al ❑Scutde �Deck none Detach.
Bath Floor p t Dishwasher �Doorway ❑ Porch fronUreadside(3) Btt.-In
Ba1h Wainscot nel FarVHood �Floar ❑Fence none Carport
Doas wood Microwave �Heated ❑Pool none Driveway
Washer er Finished Surface
FlNsf�ed area above rade caitains: 5 Roarris 2 Bedrooms 1 Bath s 936 uare Fcet of Gross Livi Area Above Grade
Ad�tional features: Front,side and rear porches.Most windows are replacement.
Desc�ibe the condi�on of the prope�ty(including physical,functional and e�demal obsolescence): See attached addenda.
�p ��ry CopY�O 2001 by a la mode,hc.This fam maY be reProduced unmoc�fied wilhwt w�ten permission.however,a b mode.Yic.must be a�larowled0ed and aedlted.
�1�����1�1'A�� Porm GPRES2—'WinTOTAI'appraisal software by a la rtrode,inc.—1-800�ALAMODE ��
RESIDENTIAL APPRAISAL SUMMARY REPORT ��.: LOCUSTSTE5
My research did did not reveal arry prior sales or transfers of the subject property for tt�e tttteee years prior to the effective date of tlrs appraisal.
Data Source S: cumberland tax/ mis/deed
1st Prfor Sub� Sale/Transfer Arraysis of saleJJtransfer history and/or arry currem agreemerd of sale,/istir�:
��e:
Price:
Source s:
2nd Prior Sub' t Sale/Transfer
��:
Price:
Source s:
SALES COMPARISOM APPROACH TO VALUE ff The Sales Co arison ach was not dev for ihis a raisal.
FEATURE SUBJECT COMPARABLE SALE#1 COMPARABLE SALE#2 COMPARABLE SALE#3
Address 5 E Locust St 112 Miller St 143 S Enola Dr 905 Valley St
Enota PA 17025 Summerdale PA 17093 Enola PA 17025 Enola PA 17025
Prood ' to Sub' ��.. 2.21 miles N 0.48 miles NW 1.89 miles NW
Sale Price S E 105 000 E 102 000 . E 119 000
S�IB PtiCP,/GLA a i .n.s ;os.2s i .n � a 109.68/ .tt.. S 80.46/ .tt.
Dat2t Source s Ins ection/Owner mis#10231864•DOM 206 c mis#10230849•DOM 62 mis#10231435•DOM 119
VerifiCation SourCe s Deed/Tax Records Cumbtax/ mis/deed Cumbtaxlc mis/deed Cumbtax/ mis
VALUE ADJUSTMENTS DESCR�TION DESCRIPTION +- E Ad'ust. DESCRIPTION +- a Ad'st. DESCRIP110N +- a Ad'ust.
Sales a Rnancing FHA VA CONV
ConCessions Seller Hel 4500 Seller Hel 4000 No seller assist.
Da�e of SalelT'm�e s03/13•c01/13 s03/13�c01/13 s05/13�c04/13
Ri hts f2ised Fee Sim le Fee Sim le Fee Sim le Fee Sim le
LoCafion Residential Residential Residential Residential
Site 0.27 acres 0.26 acres 0 0.12 acres 0 0.29 acres 0
View Residential Residential Residential Residential
Desi le Ranch Ranch Ranch Ranch
�ual of ConsiruCtion Aver e Avera e Avera e Avera e
A e 65 54 0 113 0 53 0
Condi�on Avera e/Dated Avera e/Dated Avera e -5 000 Avera e/Dated
Ab0Y6 Gf�de Tdal Bdrms Baths Tdal Bdrms Baths Total Bdrms Batlis Total Bdrms Baths
Room CoUr� 5 2 1 4 2 1 0 5 2 1 6 3 1.1 -1 000
GroSS Livi Area 936 s.tt. 988 s.ft. 0 930 s.tt. 0 1 479 s.it. -8 235
BaSement&Rt�shed Partial Basement Full Basement 0 Full Basement 0 Full Basement 0
Rooms Bebv�r Grade Unfinished Unfinished Unfinished Unfinished
FunC�Ona) Avera e Avera e Avera e Aver e
odi Eledric bb/c-a Hwbb/no ca +2 000 Fha/no ca +2 000 Fha/ca 0
EffiCient Items None Fire lace -2 000 None flre lace/hrtMndsNe -3 000
C8 None No� 1 car ar detach +3 000 1 car ar attach +5 000
PotCh/PatiloNeCk 3 Porches/Shed stoo +2 500 rch/ tio +1 000 small rchlsunroom -1 000
Mur�Ci a d hbo East Pennsboro East Pennsboro East Pennsboro East Pennsboro
I�t Ad shr�ent otal �..: + - $ 2 500 + - a 1 000 + - a -8 235
Adjusted Sale Price
of C ables Y � S 107 500 E 103 000 S 110 765
Summary of Sales Cort�parison Approach Comparables 1-3 are cbsed sales.No location adiustmerrts were warrarrted due to distancas from the
sublect or arn natural or man made extemal factors.In order to find comparable sales,it was necessary to use less recent sales.No receM
significaM changes were observed that would warrant any time adlustments.Seller concessions,when observed,typically rar�betw�een 1°k
to 6%of the sales price.Seller concessions are also not uncommon in the subiecYs market area and are not considered to be a relevant fador
in the value of the sub�ect propertY.For this reason,seller concessions are indicated,but do not support a r+eduction in the value of the subject
property.The line adlustments used for room count is for the bathrooms in the aross living area of the sublect.Total room couM and total
bedroom couM were considered and used in the gross livinc�area adlustment.tt is improper to increase or�crease value for room count(total
and bedroom)and qross living area.This practice,if u,sed,would create a situation of increasinq value or red�ing value for the same situation
causir�l inaccwate resultss and a misleadinsa report.Fannie Mae su4�lested�luidelines on square foota�e were exc�eded on comparable no 3.
This adlustment is laraer than normal,howsver,the sale chosen was�nsidered the best available.Gross living areas and square footages of
the basements wsre obtained from mis when available,county records when available and the Appraisers general knowledge of housing
designs and stvles. A qood faith effort was made to collect and verfir accurate data,however,data is estimated and n�t guararrteed.Actual
verifiable data is not available from the stated sources.The data�only deemed reliable'rf the Appraiser personally inspected and measured a
propertv t�ed within this appraisal report.Appropriate adjustments have been made for all relevant differences.All three comparable sales are
located in the same neiqhbortiood tas defined on page 1 of the urar),township and school distrid.All three sales are cor�sidered to be reliable
indicators of value.After consideration of all relevant factors,the final opinion of value was placed near the mid ran9e of the adlusted values.I
have selected the best comparables available.
IIIdk�1Bd V81118 S81eS COf11 ' dl s 105 000
�p j p� Capyright�2007 by a la mode.inc.This fam may be reproduced unrno6fied w�hwt wmtt�permission,however,a q mode.inc.must be xknowled0ed�d aedNed.
Il��1��11 I!�L Form GPRES2—'WinTOTAI'appraisal software by a la mode,inc.—1-800-ALAMODE ��
M' i
RESIDENTIAL APPRAISAL SUMMARY REPORT �k�.: LOCUSTSTE5
COST APPROACH TO VALUE H develo The Cost ch was not dev for this raisal.
Provide a uate irrformatlon for�e 'ation of the folbwi cost ures and calculations.
Support for the opinion of site value(surtxnary of comparable laand sales or other methods for esUmating site value):
ESTIMATED REPRODUCTION OR REPLACEMENT COST NEW OPINION OF SITE VALUE................................................................=S
Source of cost data: DWELL�IG S.Ft.@$ .____=S
�ua raU from cost service: Eflective date of cost data: S.Ft. S .___.__=S
CommeMs on Cost Approach(gross living area ca�ulations,depreciation,etc.): S.Ft. $ _._..._=S
S.Ft. E _......=S
S.Ft.@ S -------=S
=E
Gara e/Ca rt S.Ft. S _..=S
Total Estimate of Cost-New ___=E
Less sical functional E�dernal
recia�on =S
reciated Cost of I rovemertts ---------------------------------------------=S
"As-is"Value of Site I rovemeMs---------------------------------------------=S
=E
=S
Estima�ed Remaid Ecoramic Life 'rf r �ared: 40 Years NrDiCATED VALUE BY t�ST APPROACH------------------------------------- =S
INCOME APPROACN TO VALUE if deveb The Income roach was not deveb for this raisal.
Estlmated Market Rerrt s X G�oss Rent Nwtti ier =$ Mdfcated Value incane A h
Summary of Income Approach(ir�luding support for market rer�and GRM):
PROJECT INFORMATION FOR PUDa if icable The Sub�ect is rt of a Planned Unit Develo ment.
I Narrie of Pro' :
Descrfbe common elertier�s arid recreational facilides:
Indica�ed Value .Sales roach;105 000 Cost A (if devdo )S Income roach(if deve )$
Rnal ReCOnCiHation See attached addenda.
Thfs appraisal is made�"as is", ❑ subject to completion per plans and specifications on the basis ot a HypotheUcal Condltlon that the improvemer�ts have been
cartple�l, ❑subject to the fo�Owing repairs or attera�ons on the basis of a Hypotlietiical Condition that the r�airs or atterations have been com�leted,❑subject to
the fobwing required inspectfon based on the Extraordirrary Assumption that ttie condition or deficiency does not require alteratlon or repair. *"THIS APPRAISAL
REPORT IS NOT VALID WRHOUT ALL ATTACHED ADDENDA."*
This is a�o sub' t to other thetical Conditions and/or E�ctraordi�a Assu tlons as s 'rfied in the attached addenda.
Beted on 1he�g ree M in:pec�on of tl�e aubjeCt ProPertY�aa indicated below,defk�ed Scope of Work,Sta�emad d Asaumpdor�a and Limidng Conditlon�
�nd ApprabePa�ttlications,mY(ou�Opinion of tl�e Me�ket Value(a othe�specifled value type�as defined he�ein,of the ral property that ia the aubject
o#thit report IS: S 105,000 ,as of: 07/09/2013 ,which is ihe elhctive date M tllis eppr�al.
If Mdkx�Od�bove,this Opinion of Value is aubject to H�►pothetical Conditions and/or Ext�aordinary Asaump�ons included in tMs report. See st�addenda.
A true and compleBe copy of tliis report coMains 20 pages,including e�ibits which are considered an iMegral part of tf�report.This appraisal report may rat be
prope�ly undersUood witl�out reference to the ir�ormation cornained in the comp�te repoR.
At�ached E�Aiibits:
�Scope of Work �Limiting CondJCertiticatlons �Narrative Addendum �Photograph Addenda �Sketch Addendum
�Map Addenda ❑Additional Sales ❑Cost Addendum �Flood Addendum ❑Manuf.House Addendum
H cal Condipons ❑E�Qr�rdina Assu tions ❑
C�er�Cor�tact: Client Name: Paul Da4as,Es4.
E-Mail: Address: 130 W.Church Street Suite 100 Dillsbur a 17109
APPRAISER SUPERVISORY APPRAISER(if required)
or CO-APPRAISER(if applicable)
��`" Supenrisory or
Appra' Name: Jennifer L Walak Co-Appraiser Name:
Compamr: J 8 J Appraisals Comparry:
Phone: (717)919-8655 Fax: (717)525-9852 Phone: Fax:
E-Mail:JJappraisalsC�comcast.net E-Mail:
Date of Report(Signature): Seatember 25,2013 Date of Report(Signature):
Lkense or Certificatlon#: RL139391 State: PA License or Certification#: State:
Designatlon: PA State Certified ResideMial Real Estate Appraiser Designation:
F�iratbn Date of Lice�ue or CerUfication: 06/30/2015 E�iration Date of License or Certification:
Inspec�on of Subjec� �Inte�ior&Ex�ria ❑Exteria Only ❑None Inspection of Subject: ❑IMerior&Fxterior ❑Exteria Only ❑None
Da�e af I : 09h 8/2013 Date of Ins tion:
CapyrigM�20W by a b rtade.fnc.Th�s fam may be reProduced unmodflied wi�wt wrmen Pem�ssion,however,a la mode,nc.must be acWiowled0ed and aedfled.
�RESIt�ENTIAI Form GPRES2—'WinTOTAI'appraisal software by a la mode,inc.—1-800-ALAMODE �7
in I
Supplemental Addendum File No.LOCUSTSTES
Borrower/C�er� N/A
Address 5 E Locust St
C Enola Cou Cumberland State PA Z Code 17025
Lender Paul D s Es .
AMENDMENT TO SCOPE OF WORK:
THE INTENDED USE OF THIS APPRAISAL IS TO EVALUATE THE PROPERTY THAT IS THE SUBJECT OF THIS
APPRAISAL TO DETERMINE FAIR MARKET VALUE AS OF THE EFFECTIVE DATE STATED IN THIS REPORT
(RETROSPECTIIlE AS OF THE DATE OF DEATH),SUBJECT TO THE STATED SCOPE OF WORK,PURPOSE OF THE
APPRAISAL,REPORTING REQUIREMENTS OF THIS APPRAISAL REPORT FORM,AND THE DEFINITION OF MARKET
VALUE AS DEFINED BY FANNIE MAE OR FREDDIE MAC.
THIS APPRAISAL IS TO BE USED FOR PRNATE PURPOSES ONLY AND NOT TO BE USED FOR MORTGAGE
FINANCING.
THE INTENDED USERS ARE PAUL DAGGS,ES�.;DONNA LEACH,EXECUTRIX AND THE REGISTER OF WILLS.
NO UNINTENDED USERS SHOULD RELY ON THE ESTIMATE OF VALUE OR ANY OTHER CONCLUSIONS CONTAINED
IN THIS APPRAISAL REPORT.
IF APPLICABLE,A POTENTIAL PURCHASER AND/OR A POTENTIAL PURCHASERS AGENT/ATTORNEY ARE NOT
INTENDED USERS OF THIS APPRAISA�REPORT.
THE SCOPE OF THE WORK TO COMPLETE THIS REPORT USED THE SALES COMPARISON APPROACH TO
DETERMINE FAIR MARKET VALUE AS DEFINED BY FANNIE MAE AND OR FREDDIE MAC.THE REPLACEMENT COST
IS USED FOR NEW CONSTRUCTION ONLY.THE INCOME APPROACH IS USED ON�Y WHEN THE SUBJECT IS TO BE A
SINGLE FAMILY RENTAL PROPERTY.
NOTE:THE APPRAISER IS NOT A PROFESSIONAL HOME INSPECTOR AND DOES NOT WARRANT THE ABSENCE OR
PRESENCE OF DEFECTS.UNLESS OTHERWISE STATED IN THIS APPRAISAL REPORT,THE APPRAISER HAS NO
KNOWLEDGE OF ANY HIDDEN OR UNAPPARENT CONDITIONS OF THE PROPERTY THAT WOULO MAKE THE
PROPERTY 1110RE OR LESS VALUABLE,MAKES NO GUARANTEES OR WARRANTIES,EXPRESSED OR IMPLIED
REGARDING THE CONDITION OF THE PROPERTY AND DOES NOT GUARANTEE NOR IMPLY THE HOUSE IS FREE OF
DEFECTS.
APPRAISALS DO NOT GUARANTEE THAT A PROPERTY IS FREE FROM DEFECTS.APPRAISALS ONLY ESTABLISHES
THE FAIR MARKET VALUE OF THE PROPERTY.INTENDED USERS SHOULD SECURE THEIR O'WN HOME
INSPECTIONS THROUGH THE SERVICES OF A QUALIFIED INSPECTOR AND SATISFY THEMSELVES ABOUT THE
CONDITION OF THE PROPERTY.
I certify that,to the best of my knowledge and belief:I have performed NO services,as an appratser or in any other
capacity,regarding the property that is the subject of this report within the three-year period immediately preceding
acceptance of this assignment.(source:USPAP SR 2-3 pg.U 29)
Auoliances:
Refrigerator,microwave,washer and dryer were present,but are considered personal property.No disposal was present.
Software will not allow a"P"(personal)or"N" (no)to be entered into the appliance section of this report.No personal property
was included in the valuation of the subject property.
•GP Residential:Descriction of the Im�rovements-Prouertv Condition
No physicai deficiencies or adverse conditions that affect the livability,soundness or structural integrity were observed.Utility of
floor plan is typical for a house of this age and style and should receive average acceptance in the market place.No unusual
functionai obsolescence or external inadequacies were observed.This property appears to meet existing market expectations
for a property in this market area,sryle,age and price range.Subject is in overall average condition,however,most areas of the
dwelling are considered dated and in need of cosmetic updating.See attached example photos.Owners provided information
concerning the property that were considered when valuing the property.
Deed/Site size:
Site size and ownership of the subject property was verified using the Deed recorded on November 3,1948 at Document No.
20361 which is attached hereto for reference.This deed includes Lots 39 and 40 which is consistent with tax records.A
subsequent deed recorded on the same date as the subject deed conveyed Lot 40 to another party,a further subsequent deed
necorded in 1950 has Lot 40 being re-conveyed back to the decedent.Therefor+e,the original deed recorded on 11/3/1948 is
believed to be the most accurate legal description of the subject property despite subsequent transfers relating to the property.
Is to be strongly noted that appraiser is not an expert in tile work nor surveying.
•GP ResideMial:Reconciliation-Final Reconciliation
This appraisal report was prepared with the property in"as is"condition.This appraisal indicated an estimated exposure time of
two to six months and assumes a reasonable marketing period for the subject property of the same.In view of the age of these
improvements,the Cost Approach is not considered an accurate indicator of value.The Income Approach is inappropriate
because few single family houses are rented in this maricet area.The Sales Comparison Approach was used to determine the
final opinion of value.
THIS IS A SUMMARY REPORT OF A COMPLETE APPRAISAL.
APPRAISER ACKNOWLEDGEMENT:
APPRAISER ACKNOWLEDGES AND AGREES,IN CONNECTION WITH ELECTRONIC SUBMISSION OF APPRAISALS,AS
FOLLOWS:THE SOFTWARE UTILIZED BY THE APPRAISER TO GENERATE THE APPRAISAL PROTECTS SIGNATURE
SECURITY BY MEANS OF DIGITAL SIGNATURE SECURITY FEATURE WHICH LOCKS THE REPORT WITHIN OUR OFFICE
AND CAN NOT BE ALTERED BY ANYONE OTHER THAN OUR OFFICE.
APPRAISER CERTIFICATION:
APPRAISER STANDARDS:
I acknowledge and certify that(I)my appraisal of the above referenced property may be used in a federally related financial
Form TADD—�INinTOTAI'appraisal soitware by a la mode,inc.—1-800-ALAMODE
Supplemental Addendum File No.LOCUSTSTE5
BOrrowedC� N/A
Pro AddresS 5 E Locust St
C Enola Cou Cumberland State PA Z Code 17025
Ler�da Paul Da s Es .
transaction subject to requirements of Title XI of the Financial Institution Reform,Recovery and Enforcement Act of 1989
(FIRREA");(ii)the appraisal must comply with FIRREA and the applicable regulations implementing Titie IX of Firrea;and(iii)
the appraisai was completed in accordance with USPAP.
APPRAISER COMPETENCY: I certiTy that I am fully qualified and competent by training,knowledge,and experience to
pertorm this appraisal.
APPRAISER INDEPENDENCE: I represent and certify that(I)the appraisal assignment was not based on a requested
minimum valuation,a specific valuation,or the approval of a loan;(ii)my employment was not conditioned upon the appraisal
producing a specific value or value within a given range;(iii)my future employment is not dependent upon an appraisal
producing a specific value;(iv)my employment,compensation,and future employment are not based upon whether a loan
application was approved;(v)neither me nor any person with an ownership interest in the company employing me,is related to
or has any ownership or other financial interest in,either the builder/developer,seller,buyer,mortgage broker,or real estate
brokedsalespe�son(or any person related to any of them)involved in the transaction for which this appraisal was requested,or
with the most recent sale or refinancing of any property used as a comparable property in this appraisal,and(vi)I am not aware
of any facts which would disqualify me from being considered an independent appraiser.
Form TADD—'WinTOTAL"appraisal soitware by a la mode,inc.—1-800-ALAMODE
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Subject Photo Page
Borrower/C�Cnt N/A
Pro AddresS 5 E Locust St
C Enola Cou Cumberland State PA �i Code 17025
Lender Paul Da s Es .
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fA%f�i�� ��:�£S S.oy�M��b��Y . L�
� " -�x��y�&�' ,��: Gross Living Area 93V
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�,�3.� � i� ; ,a ; ���&«:y� .� Tatal Rooms 5
��'x's "� � ' Total Bedroorr� 2
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��'� , � " Total Bathrooms 1
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LoCation Residential
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Site 0.27 acres
Quality Average
Age 65
Subject Rear
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Photograph Addendum
Borrower/Clier� N/A
Pro Addfess 5 E Locust St
C Enola Cou Cumberland State PA Zi Code 17025
Lend� Paul D s Es .
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Photograph Addendum
sorrow��cuer� N/A
Pro Address 5 E Locust St
C' Enola Cou Cumberland St2te PA Z Code 17025
Lender Paul D s Es .
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Form PICSIX2—'WinTOTAL'appraisal software by a la mode,inc.—1-80�ALAMODE
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Photograph Addendum
aorrow��cuer� N/A
Pr0 Addfess 5 E Locust St
Ci Enola Cou Cumberland State PA Z Code 17025
Lender Paul D s Es .
FAMILY ROOM BASEMENT
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BASEMENT ELECTRIC PANEL
form PICSU(2—'WinTOTAI'appraisal soflware by a la mode,inc.—1-80o-ALAMODE
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Comparabie Photo Page
Borrower/CpeM N/A
Pro Address 5 E Locust St
C' Enola Cou Cumbenand State PA Z Code 17025
Lender Paut Da s Es .
Comparable 1
112 Miller St
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Prox to SubjeCt 2.21 miles N
Sa�s Price 105,000
Gross Living Area 988
Total Rooms 4
Total Bedrooms 2
Total Bathrooms 1
Location Residential
�ew Residential
Site 0.26 acres
Quality Average
Age 54
L
;c� �& Comparable 2
143 S Enola Dr
Prox.�Subject 0.48 miles NW
Sa�s Price 102,000
� Gross Living Area 930
Total Rooms 5
Total Bedrooms 2
Total Bathrooms 1
LoCation Residential
View Residential
Site 0.12 acres
�uality Average
Age 113
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Comparable 3
905 Valley St
Prox�Subject 1.89 miles NW
Sales Price 119,000
Gross Living Area 1,479
Total Roams 6
Total Bedrooms 3
Total Bathrooms 1.1
Location Residential
Yew Residential
Site 0.29 acres
�uality Average
Age 53
Form PICPD(.CR—`WinTOTAL'appraisa!sotM�are by a la mode,inc.—1-800-ALAMODE
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Building Sketch
BOrrower/Clierrt N/A
Pro Address 5 E Locust St
C Enola Cour�Cumberland State PA Zi Code 17025
Lender Paul Da s Es .
Sketch dimensions were obtained from Appraisers measurements 8 county sketch. Dimensior�s and room placement are estimated.
31'
Side and Rear Porches �,
24'
16'
9'
Family Room
7'
Kitchen Bedroom
39'
Bath 30' Basement
Living Room Bedroom
6' Porch 24�
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Location Map
BOtrower/Client N/A
Pro AddfeSS 5 E Locust St
C' Enola Cou Cumberland State PA Z Code 17025
Lender Paul Da s Es .
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Flood Map
BOrrowe�/CNeM N/A
Pt Address 5 E Locust St
Ci Enola Cou Cumberland State PA Z Code 17025
Lender Paul Da s Es .
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Form SCNLGL—`WinTOTAL'appraisal soitware by a�mode,inc.—1-800-ALAMODE
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Errors & Omissions Insurance
Rea! E�tate Appraiser� Prof�ssio�al �,���
Liability u°�'���'
,ra�»xr o,x.a,e�ey,w�u�,c•w.,•�
Date Issued Pol ic,y Nwnber Previous Aal icy Number
03J08/2013 LIU014173-D02 LIU014t73-0U1
LIBERTY INSURAI�ICE UN.DERWR.iTE�RS,.INC.
(�Stock Insurancc Gompany,hereinaftcr thc"Cam�any")
55 Wal�•Stree4 t8N�Flaur
New Yotk.I�Y iU041
THIS IS A CLAIMT MADE AND REPORTED POIICY. PLEItiSE READ IT CAREFULLY.
Item DECLARATI�iS
1. Customer:I�.165273
Named Insured:
1&J APPRAISALS
Jenni fer L.41a1 ak
P.O.Box 543
Enola,PA 17025
Z. i'o8cv PRriodc
�rom:iktiO4?2t}t3 '1'0: (14/(�f20t4
i2,fl1 A.T�A_$tendard Timc at dt..address staced i��
trcm I.
3. Deducdkle: ;1,000 F,ach�C"laim
4. ltetrnfctiv�Uate: ff4.�(Ai/'3012
S. Iuceptian Aste: q4iA4!243E2
6. t�imii.o of 6iabtlity: 'fhe l.irolt nf 1:3abiltty for i:a.ach Clalm and lo
A. $1;tX)t3;p(KI l:ach�I�im the A�re�tt es red�ced hy i?ama�es and
B. $.'�.,d00.000 A�re�ate Claims Espcnsrs�s d�fined in t6e Pollcv.
'7. Mail All Notiees!o.�ent:
C.IA Administraton&Inxurance Scrviccs
!fii10 Atutr:►pu Sltx;e�i
Santa Harlrara,Cnlifnrnin 9�1Ot
tx+ns�9�3-�2�; r�ax: (A�,$)s�2-o�s2 �
A. Annual Pfemiu�a: $996.QQ .
9. Numbet^�f Appraiserc: t
10. Fonas attached at issue, LIA002{10/11} LIA PA(08/iij LIAft09(U8/ilj LIAQ12{08Jii}
LIA018(d3(10) LIA027(03/10) OFAC(68/Q9)
This Dectera6ons Pq�e toge�er witl�the rompleted and signasf p6licy AppFcation inclu�rg all attachments and exhibits thereto,and the
Real Estate aisers Professional Liabi' [nsurance Po1' shail;.onstitt�be ihe t tintween ihe lnsured and the
By
[iRt�Ul(04/10) Au zed Sigaature
Form SCNLGL—'WinTOTAL'appraisal software by a la mode,inc.—1-800-ALAMODE
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Form SCNLGL—'WinTOTAL'appraisai software by a la mode,inc.—1-800-ALAMODE
Susc�uehahnca
��17k Date 7/31/13 Page 1
Primary Acct # 203300000015
Enclosures
MILDRED C PIAZZA
DONNA A LEACH
5 E LOCUST ST
ENOLA PA 17025
Snap into Summer for your Chance to Win $1, 000. From July 1 - August 30, you'll be
entered to win each time you snap a photo and deposit a check using Susquehanna
Mobile Deposit. For Official Rules, visit www.susquehanna.net/rules. Member FDIC.
»» S U M M A R Y 0 F A C C 0 U N T S ««
ACCOUNT NUMBER ENDING BALANCE
203300000015 STATEMENT SAVINGS PERSONAL 71, 982 . 99
»»»»»»»»»»> S A V I N G S A C C 0 U N T S ««««««««««<
ACCOUNT TITLE: MILDRED C PIAZZA * REGULATION E *
DONNA A LEACH
STATEMENT SAVINGS PERSONAL
Account Number 203300000015 Statement Dates 7/01/13 thru 7/31/13
Previous Balance 81, 164. 14 Days in Statement Period 31
1 Deposits/Credits 770. 00 Average Ledger 80, 629. 10
2 Withdrawals 9, 958. 00 Average Collected 80, 629. 10
Service Charge . 00 Interest Earned 6. 85
Interest Paid 6. 85 Annual Percentage Yield Earned 0. 10�
Ending Balance 71, 982. 99 2013 Interest Paid 47.35
DETAIL TRANSACTIONS BY DATE
Date Description Reference Amount Balance
7/03 SSA TREAS 310 XXSOC SEC 006730322 770. 00 81, 934. 14
PPD 9031736039
7/11 Counter Withdrawal 003577520 1, 000. 00- 80, 934. 14
7/30 Counter Withdrawal 002307740 8, 958 . 00- 71, 976. 14
7/31 Interest Deposit 6. 85 71, 982. 99
If you have questions regarding your account (s) , please contact us at:
SUSQUEHANNA BANK, 9 E. Main Street, P.O. Box 1000, Lititz, PA 17543;
(800) 311-3182; OR visit our Web site at www.susquehanna.net. Member FDIC
Metro Bank
3801 Paxton SVeet
Hamsbtxg PA 17111-141$
E�A N K 1-888-937-0004
mymetrobank.com
>08099 34b3326 001 092140
MILDRED C PlAZZA
5 E LOCUST S7
EI�OI..A PA 17025
We're here 7 days a week,24 hours a day at 1-88$-937-0004.
� 50 PLUS CHECKINC�05.133U4576
� . __ _
�.� '
�
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'�
Transa�ons By Qate
_ � ;
Date. .. E�cr� t�ctn Deblt ` Credk '� '. Bala�ce
06/�/13 CMECK#92S �74.22 , . 1,Q,:.15
OT '13 CH�Cif�92$ i138.4T .�
O7M2!?3 fNTER�ST PAYMENT SO.t2 i883.19
Check Transactions
N ` Date Amount Number Date Arr�ount Numb+ar Date Am �t
�26 Q6/27 5�5.61
9Z9 07i12 510.00
1t9►r�denoted with an'E"are electronic entries and wili not have a check image. Items denoted with an"`"incficate processed checks out of sequ��ce.
interest Summary . '
F�es�ummary �
�ta . ees Y�a+r to�te : :: ., . `
Tota Retumed Itsm Fees ear to Oate s4.00
For your convenience,a summary of overdraft and returned item fees appears on your monthly statement. Please note thsY tt�e overdraf�,fee
summary includes non-sufficient funds fees,uncollected funds fees and unavailaWe funds fees. The summary dces not re1'bct r�funded'or'viraived
items credited to your account.
14 Cycle Page 1 Of 6
a��an an�.t mm
THIS STATEMENT REPRESENTS AN ACCOUNTING BETWEEN THE BANK AND YOU. IF THERE IS AN ERROR IN IT, CALL IT TO
THE BANK'S ATTENTION PROMPTLY IN WRITING.
IN CASE OF ERROR OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSFERS,telephone us at 1-888-937-0004. Or write us at
Metro Bank, 3801 Paxton St., Harrisburg PA 17111-1418.
You must notify the bank if you believe your statement or receipt is wrong or if you need more information about a transfer listed on the
statement or receipt. The bank must hear from you no later than 60 days after we sent the first statement on which the problem or error
appeared.
1. Tell us your name and account number
2. Describe the error or the transfer you are unsure about, explain as clearly as you can why you believe it is an error or why you need
more information
3. Tell us the dollar amount of the suspected error
If you tell us oralty, we may require that you send us your complaint or question in writing within 10 business days. Pending the outcome
of our investigation, we will provisionally credit your account:
1.within 10 business days, or
2.within 20 days for new accounts (within 30 days after the first deposit}
Investigation of your complaint or question w;ll be resolved:
1.within 45 calendar days, or
2.within 90 calendar days for Point of Sale(POS)transactions, foreign transactions and new accounts
You will be notified within 3 business days after completing our investigation of all actions taken to resolve your complaint or question. If
we decide there was no error,your provisional credit will be rescinded and checks will be honored for up to five days. Upon request, we
will furnish copies of the documents that were used in our investigation.
• Compare imaged checks with entries appearing on your statement to Checks Outstanding
ensure that they have been properly charged and returned to you. (Written by you but not yet indicated as paid on any statement)
• Mark in your checkbook those checks paid by Metro Bank. No.or Date Amount
• list in the"Checks Outstanding"column at the right all issued checks
that have not been paid by Metro Bank.
• Add to your checkbook balance any credits not already recorded
in your checkbook.
• Deduct from your checkbook balance any service or other charge
(including automatic deductions)which you have not already recorded
in your checkbook.
• Follow instructions listed in the Balance Reconciliation section below.
� Please notify the Bank immediately regarding any exceptions taken by
you,giving full details and your account number.
Balance Reconciliation
1. Enter Ending Balance
2. Add deposits recorded in your checkbook
but not shown on the reverse side of this
statement. Enter the interest earned
deposit in your checkbook.
3. Total (1 and 2 above) Sum of check charges on
above if a licable
4. Enter Total"Checks Outstanding"
(from right column) �Total
5.BalanCe (3 Iess 4 should equal your
checkbook balance)
�� Member
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..
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LlNDlR
n����nd��a o.,,.��,.f a
Annuity Operaitions
Western& Southern Life `�°�°"�18
Cinci�na�ti,OH 45201-2918
A mentber of Wesbern&Soudtem Fnancial Group toll free 800.92b.1702
fax 513.362.2353
October 3, 2013
- ATfN DAVE LANGAN
Dear Mr. Langan:
Thank you for your request for information on the annuity contract. I hope the
folk�ring oontract infoRnation is helpful to you.
Annuitan#: MILDRED PIAZ7A
awner: MILDRED PIAZZA
Join#oMmer. A Donna Leach
Wes�em-Southem L.ife Assuranoe Company Contract Number. W0020191060
Date of death value as of July 9, 2013 is $195,954.14.
If you have any questions, please call our Annuity Operafions Department a# 1-
800-926-1702. A representative will be happy to heip you.
Sinoerely,
Q
T� Fleisch
Annuity Operations Department
oco�,-,3os
Westem-Southem Life Assurance Company
MIp P�HN BAHK
349 Union Street • Miilers�urg,PA 17061
1-866-642-7736 • midpennbank.com
Member FDIC
D A LEArH
M C PIAZZ�
5 E LOCliST ST
ENOL� PA 17025 CTJSTOMER: . 435432
AS UF': �9/09/13
� ��,rT� ,
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BUOK ENTRY C/D CERTIrICATE 309003067 � T
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ORIGINAL•Pay�
�UPLICATE-F.F.D.01 A, 3�745
TRIPLICATE-Funera�1ior�
F '
ACCT.NO.
'AME0.1G�� LAST BALANCE $ �58.?, �
7
�Q���'�''�J�.' �J�� � INTEREST
ek�
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/ �„�, a� ❑CHAR,�
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Fu ` " 1 �Ct �//-/.�.�a
neral Services ,/ SUB TOTAL
�'�/'�! j� "
/
�7�HECK u .. CREDITS
Name o/Deceased
��CREDIT
CARD MUSSELMAN FLTNERAL HOME LESS PAYMENT ��!-�_p�
&CREMATION SERVICES,INC.
C_i OTHER —
NEW BALqNCE $ �
, —/--/3
�a��.� ���
, ���� ' '� 06865
�,� ����
1V�usselman Funeral Home a�� Cremation Services
324 Hummel Avenue
Lemoyne, PA 17043
Tei: 717-763-7440 Fax: 717-730-9798
6rian C. Musselman, Supervisor
Clifford D. Forester Sr. Funeral Director
Mrs. Donna A.Leach
400 Ridge Avenue
Enola,PA 17025
Dear ponna,
Thank you for selecting our funeral home to provide services for your family during your time of bereavemen� I hope that you found
our services,so far,to be of the highest standards that we always try to achieve. The following is a summary of the service charges as
pnwiously explained and provided in written form on tbe services for:
MILDRED C.PIAZZA
PROFESSIONAL SERVICES
$Included
Embalming S Included
Other Preparation of Body $Included
Traditional Funeral Package B S 5495.OQ
Total Funeral Service Selected
TOTAL PROFESSIONAL SERVICES $5,495.00
Use of Facilities&Staff for Visitation S Inclu�d
Use of Facilities&Staff for Ceremony at Funeral Home S Included
Use of Staff&Equipment for Graveside Service �Included
Transfcr of Remains to Funeral Home S Included
He,�rse/Funeral Coach �Included
Service/Utili#y Vchicle S Included
OTHER MERCAANDiSE SELECTED
Caslcet: Olivetor�e S 1,125.00
Outcr Burial Container Sentinal Vault $1,295.00
Ackaowledgement Cards S Included
Register Book S Included
Memorial Folders $Included
TOTAL OTHER MERCHANDISE SELECTED 52,420.00
CASH ADVANCES
Certified Copies of Death Certificate $Included
Clcrgy Honorarium S 200•00
Newspaper Notice Patriot News Paper S 2U0.00
Casicet Spray $238.00
Vault Service Chazge(Rolling('rr�n Charges) $30.00
CASH ADVANCE TOTAL 5668.00
TOTAL OF SERVICES 58,583•00
BALANCE DUE 58,583.00
If there are any questions or concerns that remain unanswered,please call me. . .
Sincerely,
;,'
�
tT��EL
FUNERAL HOME&CREMATION SERVICES,INC.
l (3 Clifford D. Forester, Sr., �.D.
b� General Manager
Cell(717)443-3499
P.O.Box 13') • 324 Hummel Avenua • Lemoyne,PA 17043-0137
.�.�.�i��.,n . n---.�r,�.��n n�na . --'---•--•---��__a..._��_..�
Service Corporation International
PRINT SINGLE CASH RECEIPT oate 7/11/2013
Page 1 of 1
Batch#: 98697375 Batch date: 7/11/2013
#of Trans: 1 Batch Amt: $1,495.00
Location: 0624-Rolling Green Cemetery Cssh Reoeipt date: 7/11/201312:14:00 PM
Address: 1811 Carlisle Road Cssh Reoeipt#: 062414108680
Camp Hili PA 17011 Cash Reoeipt Am� 1495.00
Payment Check Payer: Donna A.Leach Ref#: ck 3488
Type:
062400110536 1495.00
Totel: 1495.00
Trans ID -
P�u1�VI.Bruno
F�n�ly Service Counselor _ T�_.__.__'...._..._
P��11�.Bruno
� Family Service Counselor Dl�ity�
Mk1.A(7RIAL
Rolling Green
Cemetery
- 1811 Carlisle Road
Camp Hill,PA 17011
717-761-4055
Fax 717-761-4826 .