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Home My WebLink About04-02-14 � 150561�140 REV-1500 � (02 11,tf'' OFFICIAL USE ONLY PA Department of Revenue Counry Code Year File Number Bureau of Individual Taxes �NHERiTANCE TAX RETURN Po aox zaoso� 2 1 1 3 0 8 8 8 Harrisbur ,PA 17128-0601 RESIDENT DECEDENT ENTER DECEDENT INFORMATION BELOW Socia)Security Number Date of Death MMDDYY`tY Date of Birth MMDDYYYY 1 0 7 0 4 2 0 1 3 0 ? 2 6 1 9 2 3 DecedenYs Last Name Suffix DecedenYs First Name M� G U A R I N I D 0 R I S S (If Applicable)Enter Surviving Spouse's Information Below MI Spouse's Last Name Suffix Spouse's First Name G U A R I N Y J 0 S E P H R Spouse's Social Security Number THIS RETURN MUST BE FILED IN DUPLICATE WITH THE 1 8 6 D 9 9 3 2 � REGISTER OF WILLS FIIL IN APPROPRIATE OVALS BELOW Q 1.Original Return � 2.Supplemental Retum � 3.Remainder Retum(Date of Death Prior to i 2-13-82) � 4.Limited Estate � 4a.Future Interest Compromise(date of � 5.Federat Estate Tax Return Required death after 12-12-82) Q 6.Decedent Died Testate � ��qtt ch C pylof Tnasta Living Trust 1 8.Total Number of Safe Qeposit Boxes (Attach Copy of Will) ( � � 9.Litigation Proceeds Received � 10.Spousal Poverty Credit(Date of Dea(h � �1' Att ch Schedule O)r Sec.9113(A) Between 12-31-91 and 1-1-95) ( CORRESPONDEhT-THIS SECTION MUST 8E COMPLETEQ.ALL CORRESPONDENCE AND CONFIDENTIAL TAX INFORMATION SHOULD BE DIRECTED T0: Name Daytime Telephone Number N I V 0 V • 0 T T 0 I I I 7 1 7 � 4 3 3�r 4 �� c o �'n c,� REGISTE�F�I.LS USE�Y � C> f�'1 y �'. � ..�.� Q � v. r" rn � First Line of Address D � S N "� � C1� 1 0 E A S T H I G H S T R E E T � r, o "v � � o � `� Second Line of Address � 4 � � � � I�i City or Post Office State ZIP Code �►TE FILED rW � � C A R L I S L E P A 1 7 0 1 3 , CorrespondenYs e-mail address: IOTTO[r MARTSONLAW COM Under penalties o!pefjury.1 deGare that I have examined this retum,including accompanying schedules and statements,and to the bes!oi my k�owledge and belief, it is true,cortect and complete.DeclaraGon ot preparer other than(�e personal representative is based on all informatlon of which preparer has any know�edge. SIGN E OF PERSON RESP LE F FIUNG RETURN� �, DA�`/ , AODRESS 324 S DARLI GT TREET WEST CHESTER PA 19382 SIGNATUR F A THER THAN REPRESENTATIVE DA _ � AODRESS 1U EAST HIGH STREET CARLISLE PA 17013 PLEASE USE ORIGINAI.FORM ONLY Side 1 � 15D5610140 1505610140 J -,� � � 1505610240 REV-1500 EX(FI) DecedenYs Social Security Number �ecedenrs Name: D 0 R I S S • G U A R I N I RECAPITULATION 1. Real Estate(Schedule A) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1• 3 1 2 1 6 8 3 . 3 3 2. Stocks and Bonds(Schedule B) 2. 1 8 5 0 1 2 3 . 8 7 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3. Closely Held Corporation, Partnership or Sole-Proprietorship(Schedule C) . . . . . 3. • 4. Mortgages and Notes Receivable(Schedule D) . . . . . . . . . . . . . . . . . . . . . . . . . . 4. 1 4 8 2 5 3 . 4 1 5. Cash,Bank Deposits and Miscellaneous Personal Property(Schedule E). . . . . . . 5. 7 8 7 4 0 . 6 2 6. Jointly Owned Property(Schedule F) ❑ Separate Billing Requested . . . . . . . 6. � • � � 7. Inter-Vivos Transfers&Miscellaneous Non-Probate Property 2 1 4 1 5 6 . � 4 (Schedule G) � Separate Billing Requested . . . . . . . 7. 8. Total Gross Assets(total Lines 1 through 7) . . . . . . . . . . . . . . . . . . . . . . . . . . . 8. S 4 1 2 9 5 7 . 9 7 9. Funeral Expenses and Administrative Costs(Schedule H) . . . . . . . . . . . . . . . . . . 9� 1 1 6 1 7 3 . 9 4 10. Debts of Decedent,Mortgage Liabilities,and Liens(Schedule I) . . . . . . . . . . . . . 10. 1 1 6 � . 7 2 11. Totai Deductions(total Lines 9 and 10) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 11. 1 1 � 3 3 4 . 6 6 12. Net Value of Estate(Line 8 minus Line 11) . . . . . . . . . . . . . . . . . . . . . . . . . . . . �2• 5 2 9 5 6 2 3 . 3 1 13. Charitable and Governmental 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. 5 2 9 5 6 2 3 . 3 1 TAX CALCULATION-SEE INSTRUCTtONS FOR APPLICABLE RATES 15. Amount of Line 14 taxable at the spousal tax rate,or transfers under Sec.9116 (a)(1.2)X.0 _ 7 5 0 0 0 . 0 0 �5. 0 . 0 0 16. Amount of Line 14 taxable at�inea�rate X.045 5 2 2 0 6 2 3 . 3 1 �s. 2 3 4 9 2 8 . 0 5 17. Amount of Line 14 taxable at sibling rate X.12 � . 0 � 17. � . � � 18. Amount of Line 14 taxable at collateral rate X.15 O . 0 0 18. 0 . 0 0 19. TAX DUE . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 19. 2 3 4 9 2 8 • 0 5 20. FILL IN THE OVAL IF YOU ARE REQUESTING A REFUND OF AN OVERPAYMENT ❑ Side 2 � 1505610240 1505610240 � Continuation of REV-1500 Inheritance Tax Return Resident Decedent DORIS S.GUARINI 21 13 0888 Decedent'a Name Page 4 F�1a Number Correspondents Name Daytime Te�phone Number I V 0 V . 0 T T 0 I I I 7 1 7 2 4 3 3 3 4 1 First Nne of address 1 0 E A S T H I 6 H S T R E E T seoona firre of adaress Cify or Poat Office State ZIP Code C A R L I S L E P A Z ? 0 1 3 correspondanrs e-ma�address:I O T T 0 a M A R T S 0 N L A W•C 0 M ur�r�e.,otv�n,iaedeneu�i r�e e��eaaus rea,m,�nauda�e000�an�acneau�a�asm��,�dmu►e aesror,m�e�a�eaer, it is true,carect and oomplete.D��on af prepawr other than tl�e p�aonal repr�en�re b based on etl infartiafon d wh�ch peparer has any qiowledge. S�G��9��R�PE�IBLE FOR flLi RETURN DATE ..3-Z-�'r—i�_ nooRess 762 ALLEGHENYVILLE ROAD MOHNTON PA 19540 REV-1500 EX(FI) Page 3 File Number Decedent's Complete Address: 2i �3 ogas DECEDENT'S NAME DORIS S. GUARINI - STREET ADDRESS 12 RIDGE LANE _. CITY STATE ZIP NEWVILLE PA 17241 Tax Payments and Credits: �� 23a,92s.os 1. Tax Due(Page 2,Line 19) 2. Credits/Payments A.Prior Payments 172,000.00 B.Discount 9,052.36 Total Credits(A+B) (2) 181,052.36 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 refund. (4) 0.00 5. If Line 1 +Line 3 is greater than Line 2,enter the difference.This is the TAX DUE. (5) 53,875.69 Make check payable to: REGISTER OF WILLS, AGENT 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 ...................................................................... � Q b. retain the right to designate who shall use the property transferred or its income ............................... X c. retain a reversionary interest ..................................................................................................... ❑ 0 d. receive the promise for life of either payments,benefits or care? ....................................................... ❑ 0 2. If death occurred after December 12,1982,did decedent transfer property within one year of death without receiving adequate consideration? ....................................................................................... 0 � 3. Did decedent own an"in trust for"or payable-upon-death bank account or security at his or her death? ......... ❑ ❑X 4. Did decedent own an individual retirement account,annuity or other non-probate property,which contains a beneficiary designation?.................................................................................................. X❑ ❑ IF THE ANSWER TO ANY OF THE ABOVE QUESTIONS IS YES,YOU MUST COMPLETE SCHEDULE G AND FILE IT AS PART OF THE RETURN. 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 return are still applicable even if the surviving spouse is the only beneficiary. For dates of death on or after July 1,2000: • The tax rate imposed on the net value of transfers from a deceased child 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 decedenYs lineal beneficiaries is 4.5 percent,except as noted in p2 P.s.§s�ts(a)(��. • 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 REAL ESTATE INHERITANCE TAX RETURN RESIDENT DECEDENT ESTATE OF: FILE NUMBER: DORIS S.GUARINI 21 13 0888 All real property owned solely or as a tenant in common must be reported at fair market value.Fair market value is defined as the price at which property would be exchanged between a willing buyer and a willing seller,neither being compelled to buy or sell,both having reasonable knowledge of the relevant facts. Real property that is jointly-owned with right of survivorship must be disclosed on Schedule F. Attach a copy of the settlement sheet if the propeRy has been sold. VALUE AT DATE ITEM Include a copy of the deed showing decedenYs interest if owned as tenant in common. OF DEATH NUMBER DESCRIPTION 1. Real estate located at 55 Springview Road,West Pennsboro Twp.,Cumberland County,PA, 865,000.00 known as Tax Parcel No.46-07-0477-028,being described in Deed dated 11/2/1989 and recorded in Cumberland County,PA,Deed Book H,Volume 34,Page 346,being conveyed to Daris S.Zimmerman,now known as Doris S. Guarini. See attached Deed and Appraisal dated October 4,2013. Appraised value of$700,000 plus $165,000 for additional 20.613 acres at$8,000 per acre. 2. Unimproved real estate located at Springview Road,West Pennsboro Twp.,Cumberland County, 640,000.00 PA,known as Tax Parcel No.46-07-0475-050,being described in Deed dated 11/2/1989 and recorded in Cumberland County, PA,Deed Book H,Volume 34,Page 346,being conveyed to Doris S.Zimmerman,now known as Doris S.Guarini. See attached Deed and Appraisal dated October 4,2013. 3. Unimproved real estate located at Back Street,West Pennsboro Twp.,Cumberland County,PA, 63,000.00 known as Tax Parcel No.46-07-0475-045,being described in Deed dated 7/30/1991 and recorded in Cumberland County,PA,Deed Book F,Volume 35,Page 1058,being conveyed to J.Richard Zimmerman and Doris S.Zimmerman,his wife. J.Richard Zimmerman died on 4/12/1995 leaving title solely vested in Doris S.Zimmerman,now known as Doris S. Guarini. See attached Deed and Appraisal dated October 2,2013. 4. Real estate located at 209 Greason Road,West Pennsboro Twp.,Cumberland County,PA, 990,000.00 known as Taac Parcel No.46-07-0475-032,being described in Deed dated 3/29/1958 and recorded in Cumberland County,PA, Deed Book I,Volume 18,Page 249,being conveyed to J.Richard Zimmerman and Doris S.Zimmerman,his wife. J.Richard Zimmerman died on 4/12/1995 leaving title solely vested in Doris S.Zimmerman,now known as Doris S. Guarini. See attached Deed and Appraisal dated October 2,2013. 5, Unimproved real estate located at Greason Road,West Pennsboro Twp.,Cumberland County,PA, 388,000.00 known as Tax Parcel No.46-08-0583-010,being described in Deed dated 3/29/1962 and recorded in Cumberland County,PA,Deed Book L,Volume 20,Page 1112,being conveyed to J.Richard Zimmerman and Doris S.Zimmerman,husband and wife. J.Richard Zimmerman died on 4/12/1995 leaving title solely vested in Doris S.Zimmerman,now known as Doris S.Guarini. See attached Deed and Appraisal dated October 2,2013. 6, Real property located at Adams Road, South Middleton Twp.,Cumberland County,PA,known 175,683.33 as Tax Parcel No.40-10-0632-001,being described in Decree Awarding Real Estate dated 3/12/2010 and recorded in Cumberland County,PA,Deed Book 201006587,one-sixth interest being conveyed to Doris Zimmerman Guarini. See attached Decree and Tax Assessment. TOTAL(Also enter on Line 1,Recapitulation.) $ 3,121,68333 If more space is needed,use additional sheets of paper of the same size. REV-1503 EX+(8-12) pennsylvania SCHEDULE B DEPARTMENT OF REVENUE INHERITANCETAXRETURN STOCKS & BONDS . RESIDENT DECEDENT ESTATE OF FILE NUMBER DORIS S.GUARINI 2l 13 0888 All property jointly owned with right of survivorship must be disclosed on Schedule F. ITEM VALUE AT DATE NUMBER DESCRIPTION OF DEATH 1. Morgan Stanley AccountNo.410-893354 1,850,123.87 See attached. TOTAL(Also enter on Line 2,Recapitulation) $ 1 850,123.87 If more space is needed,insert additional sheets of the same size REV-1507 EX+(04-13) pennsylvania SCHEDULE D DEPARTMENTOFREVENUE MORTGAGES & NOTES INHERITANCE TAX RETURN RECEIVABLE RESIDENT DECEDENT ESTATE OF FILE NUMBER DORIS S.GUARINI 21 13 0888 All property jointly owned with right of survivorship must be disclosed on Schedule F. ITEM VALUE AT DATE NUMBER DESCRIPTION OF DEATH 1. Mortgage to Craig S.Heimberger. Face value of$155,000.00 given on 12/17/2010. 148,253.41 Maturity date December 17,2015. Property located at 130 East Barnard Street,West Chester,PA, and recorded in Chester County Recorder of Deeds document number 11066838. Monthly payment of$762.51 and interest rate of 4.25%. See attached Mortgage and Monthly Loan Analysis. TOTAL(Also enter on Line 4,Recapitulation $ 148,253.41 (If more space is needed,inseR additional sheets of the same size) REV-1508 EX+(08-12) pennsylvania SCHEDULE E DEPARTMENTOFREVENUE CASH, BANK DEPOSITS & MISC. INHERITANCETAXRETURN pERSONAL PROPERTY RESIDENT DECEDENT ESTATE OF: FILE NUMBER: DORIS S.GUARINI 21 13 0888 Include the proceeds of litigation and the date the proceeds were received by the estate. All property jointly owned with right of survivorship must be disciosed on Schedule F. ITEM VALUE AT DATE NUMBER DESCRIPTION OF DEATH 1. ACNB Bank,checking account number 224383 28,144.84 See attached. 2. ACNB Bank,savings account number 9636366 38,457.54 See attached. 3. Cornerstone Federal Credit Union, savings account number 24374-01 25.58 See attached. 4. Cornerstone Federal Credit Union,checking account number 24374-07 8,342.08 See attached. 5. Cumberland County-refund from property reassessment 128.59 6. West Pennsboro Township-refund fire tax 14.43 7. West Pennsboro Township-refund real estate tax 14.56 8. United States Treasury-2012 refund 2,719.00 9. Commonwealth of Pennsylvania-2012 refund 130.00 ]0. Cash in safe deposit box 589.00 11. One(1) 1926$2.50 piece 175.00 TOTAL(Also enter on Line 5,Recapitulation) $ 78,740.62 If more space is needed,use additional sheets of paper of the same size. REV-1510 EX+(08-09) pennsylvania SCHEDULE G DEPARTMENT OF REVENUE INTER-VIVOS TRANSFERS AND INHERITANCETAXRETURN MISC. NON-PROBATE PROPERTY RESIDENT DECEDENT ESTATE OF FILE NUMBER DORIS S.GUARINI 21 13 0888 This schedule must be completed and filed if the answer to any of questions 1 through 4 on page three of the REV-1500 is yes. DESCRIPTION OF PROPERTY ITEM INCLUDE THE NAME OF THE TRANSFEREE,THEIR RELATIONSHIP TO DECEDENT AND DATE OF DEATH %OF DECD�S EXCLUSfON TAXABLE NUMBER THEDATEOFTRANSFER.ATfACHACOPYOFTHEOEEDfORREALESTATE. VALUE OFASSET INTEREST (IFAPPLICABLE) VALUE 1. Morgan Stanley IRA,Account No.410-894985 46,156.74 100.00 46,156.74 Beneficiaries: Bobbie J. Surrick,daughter(1/3);Betsy Z.Diebolt, daughter(1/3);Jaclyn Z.Moyer,daughter(1/3). See attached. 2. Jaclyn Z.Moyer,daughter(August to December 2012) 5,000.00 100.00 3,000.00 2,000.00 3. Jaclyn Z.Moyer,daughter(January to July 2013) 7,000.00 100.00 3,000.00 4,000.00 4. Bobbie J. Surrick,daughter(December 2012) 12,000.00 100.00 3,000.00 9,000.00 5. Bobbie J. Surrick,daughter(July 3,2013) 12,000.00 100.00 3,000.00 9,000.00 6. Betsy Z.Diebolt,daughter(December 2012) 12,000.00 100.00 3,000.00 9,000.00 7. Betsy Z.Diebolt,daughter(July 3,2013) 12,000.00 100.00 3,000.00 9,000.00 8. Marc S.Moyer,grandson(December 2012) 12,000.00 100.00 3,000.00 9,000.00 9. Marc S. Moyer,grandson(July 3,2013) 12,000.00 100.00 3,000.00 9,000.00 10. Molly Moyer Runge,granddaughter(December 2012) 12,000.00 100.00 3,000.00 9,000.00 11. Molly Moyer Runge,granddaughter(July 3,2013) 12,000.00 100.00 3,000.00 9,000.00 12. Sarah J.Moyer,granddaughter(December 2012) 12,000.00 ]00.00 3,000.00 9,000.00 13. Sarah J.Moyer,granddaughter(July 3,2013) 12,000.00 100.00 3,000.00 9,000.00 14. Amanda Moyer Light,granddaughter(December 2012) 12,000.00 100.00 3,000.00 9,000.00 15. Amanda Moyer Light,granddaughter(July 3,2013) 12,000.00 ]00.00 3,000.00 9,000.00 16. J. Eric Heimberger,grandson(December 2012) 12,000.00 100.00 3,000.00 9,000.00 TOTAL (Also enter on Line 7,Recapitulation) $ 214 156.74 If more space is needed,use additional sheets of paper of the same size. Continuation of REV-1500 Inheritance Tax Return Resident Decedent DORIS S. GUARINI 21 13 0888 DecedenYs Name Page 1 File Number Schedule G -Inter-Vivos Transfers & Misc. Non-Probate Property DESCRIPTION OF PROPERTY ITEM INCLUDE THE NAME OF THE TRANSFEREE,THEIR RELATIONSHIP TO DECEDENT AND DATE OF DEATH %OF DECD�S EXCLUSION TAXABLE NUMBER THE DATE OF TRANSFER.ATTACH A COPY OF THE DEED FOR REAL ESTATE. VALUE OF ASSET INTEREST (IFAPPLICABLE) VALUE 17. J.Eric Heimberger,grandson(July 3,2013) 12,000.00 100.00 3,000.00 9,000.00 18. Craig S.Heimberger,grandson(December 2012) 12,000.00 100.00 3,000.00 9,000.00 19. Craig S.Heimberger,grandson(July 3,2013) 12,000.00 100.00 3,000.00 9,000.00 20. Amy Diebolt,granddaughter(December 2012) 12,000.00 100.00 3,000.00 9,000.00 21. Amy Diebolt,granddaughter(July 3,2013) 12,000.00 100.00 3,000.00 9,000.00 SUBTOTAL SCHEDULE G 45,000.00 GRAND TOTAL SCHEDULE G $ 214,156.74 REV-1511 EX+(08-13) pennsylvania SCHEDULE H DEPARTMENTOFREVENUE FUNERAL EXPENSES AND INHERITANCETAXRETURN ADMINISTRATIVE COSTS RESIDENT DECEDENT ESTATE OF FILE NUMBER DORIS S.GUARINI 21 13 0888 DecedenYs debts must be reported on Schedule I. ITEM AMOUNT NUMBER DESCRIPTION A. FUNERAL EXPENSES: 100.00 �, Pastor Richard Warner(honorarium) 2, Dan Dorty(organist) 100.00 3. Tracey Ormsbee(soloist) 100.00 4. Funeral flowers 371.00 5. Funeral reception 407.12 g. ADMINISTRATIVE COSTS: 1. Personal Representative Commissions: Name(s)of Personal Representative(s) Street Address City State Z�P Year(s)Commission Paid: 2 Attorney Fees: Martson Law Offices 92,000.00 3. Family Exemption:(If decedenYs address is not the same as claimanYs,attach expianation.) Claimant Street Address City State Z�P Relationship of Claimant to Decedent 4. Probate Fees: Register of Wills,Cumberland County 1,273.50 5 Accountant Fees: g, Tax Return Preparer Fees: 7, Commonwealth of Pennsylvania-duplicate car title 22.50 g. Cumberland Law Journal-legal advertising 75.00 9. The Sentinel-legal advertising 210.78 10. Certified mail 12.22 11. Steven Barrett Real Estate and Appraisal Services 4,000.00 l 2. Sterling Property Management,Inc. -fee pending disposition of real property listed on 2,490.74 Sch.A,Items 1 through 5 13. PPL Utilities-pending disposition of real property listed on Sch.A,Items 1 and 4 963.69 14. Deborah Piper,Tax Collector-school taxes pending disposition of real property listed on 6,417.02 Sch.A,Items 1 through 5 I5. Deborah Piper,Tax Collector-real estate taxes pending disposition of real properiy listed on 1,361.37 Sch.A,Items 1 through 5 TOTAL(Also enter on Line 9,Recapitulation) $ 116,173.94 If more space is needed,use additional sheets of paper of the same size. Continuation of REV-1500 Inheritance Tax Return Resident Decedent DORIS S. GUARINI 21 13 0888 DecedenYs Name Page 2 File Number Schedule H -Funeral Expenses 8�Administrative Costs -B7. ITEM AMOUNT NUMBER DESCRIPTION 16. Stouffer Construction-repairs pending disposition of real property listed on Sch.A,Items 1-5 4,669.00 ]7. Cumberland County Register of Wills-additional probate 1,600.00 SUBTOTAL SCHEDULE H-67 6,269.00 _ _ __ . _ _ REV-1512 EX+(12-12) pennsylvania SCHEDULE I DEPARTMENTOFREVENUE DEBTS OF DECEDENT� INHERITANCETAXRETURN MORTGAGE LIABILITIES& LIENS RESIDENT DECEDENT ESTATE OF FILE NUMBER DORIS S.GUARINI 21 13 0888 Report debts incurred by the decedent prior to death that remained unpaid at the date of death,including unreimbursed medical expenses. VALUE AT DATE ITEM OF DEATH NUMBER DESCRIPTION �, Green Ridge Village-account payable 74.00 2. Big Spring Dental Center-account payable 4.70 3. Holy Spirit Hospital-account payable 100.00 4. Spirit Physician Services-account payable 11.26 5. Darryl Guistwite,D.O. -account payable 37.48 6. Millennium Pharmacy Systems-account payable �2'S� 7. Philhaven-account payable 11.47 g. Capital Cardiovascular Associates-account payable 4.24 9. Howard's Accounting-account payable 845.00 TOTAL(Also enter on Line 10,Recapitulation) $ 1,160.72 If more space is needed,insert additional sheets of the same size. . _ __ _ _ _ _ REV-1513 EX+(01-10) pennsylvania SCHEDULE J DEPARTMENT OF REVENUE BENEFICIARIES INHERITANCE TAX RETURN RESIDENT DECEDENT ESTATE OF: FILE NUMBER: DORIS S.GUARINI 21 13 0888 RELATIONSHIP TO DECEDENT AMOUNT OR SHARE NUMBER NAME AND ADDRESS OF PERSON(S)RECEIVING PROPERTY Do Not List Trustee(s) OF ESTATE I TAXABLE DISTRIBUTIONS [Include outright spousal distributions and transfers under Sec.9116(a)(1.2).] 1. Joseph Guarini Spousal 75,000.00 12 Ridge Lane Specific Bequest Newville,PA 17241 2. Jaclyn Z.Moyer Lineal 15,385.58 435 First Avenue Sch. G,Item 1 Haddon Heights,NJ 08035 3. Bobbie J. Surrick Lineal 15,385.58 324 South Darlington Street Sch.G,Item 1 West Chester,PA 19382 4. Betsy Z.Diebolt Lineal 15,385.58 762 Alleghenyville Road Sch.G,Item 1 Mohnton,PA 19549 5. Jaclyn Z.Moyer Lineal 6,000.00 435 First Avenue Sch.G,Items 2-3 Haddon Heights,NJ 08035 6. Bobbie J. Surrick Lineal 18,000.00 324 South Darlington Street Sch.G,Items 4-5 West Chester,PA 19382 7. Betsy Z.Diebolt Lineal 18,000.00 762 Alleghenyville Road Sch.G,Items 6-7 Mohnton,PA 19540 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. 1. B.CHARITABLE AND GOVERNMENTAL DISTRIBUTIONS: 1. l. 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. Continuation of REV-1500 Inheritance Tax Return Resident Decedent DORIS S. GUARINI 21 13 0888 DecedenYs Name Page 3 File Number Schedule J -Beneficiaries -1 RELATIONSHIP TO DECEDENT AMOUNT OR SHARE NUMBER NAME AND ADDRESS OF PERSON(S)RECEIVING PROPERTY Do Not List Trustee(s) OF ESTATE I TAXABLE DISTRIBUTIONS �Include outnght spousal distributions and transfers under Sec.9116(a)(1.2).] 8. Marc S.Moyer Lineal 18,000.00 435 First Avenue Sch.G,Items 8-9 Haddon Heights,NJ 08035 9. Molly Moyer Runge Lineal 18,000.00 30 Lancaster Avenue Sch. G,Items 10-11 Maplewood,NJ 07040 l0. Sarah J.Moyer Lineal 18,000.00 435 First Avenue Sch.G,Items 12-13 Haddon Heights,NJ 08035 11. Amanda Moyer Light Lineal 18,000.00 6 Shrewsbury Drive Sch.G,Items 14-15 Rumson,NJ 07760 12. J.Eric Heimberger Lineal 18,000.00 1333 Ridgeview Circle Sch.G,Items 16-17 Downingtown,PA 19335 13. Craig S.Heimberger Lineal 18,000.00 130 E Barndard Street Sch.G,Items 18-19 West Chester,PA 19382 14. Amy Diebolt Lineal 18,000.00 762 Alleghenyville Road Sch.G, Items 20-21 Mohnton,PA 19540 15. Trust under Will f/b/o Jaclyn Z. Moyer Lineal 1,668,822.19 435 First Avenue Residue Haddon Heights,NJ 08035 16. Bobbie J. Surrick Lineal 1,668,822.19 324 South Darlington Street Residue West Chester,PA 19382 l7. Betsy Z.Diebolt Lineal 1,668,822.19 762 Alleghenyville Road Residue Mohnton,PA 19540 F:�FILES�DATAFILE�Estnte PlanningV I 94•1.WQ.L.S , LAST WILL AND TESTAMENT I, DORIS S. GUARINI, of West Pennsboro Township, Cumberland County, Pennsylvania, being of sound and disposing mind and memory, do hereby make, publish and declare this to be my Last Will and Testament, hereby revoking any and all former Wills or Codicils by me made. ITEM ONE I direct that all my legally enforceable debts, funeral expenses,testamentary expenses and all inheritance taxes(whether such taxes may be payable by my estate or by any recipient of any property) shall be paid from my residuary estate as soon as practicable after my decease and as part of the administration of my estate. My personal representative shall have no duty or obligation to obtain reimbursement for any such tax so paid, even though on proceeds of insurance or other property not passing under this Will. ITEM TWO In accordance with a certain Pre-Nuptial Agreement dated April 14, 1998, I give to my husband,JOSEPH R. GUARINI,provided he survives me by thirty(30)days,the use for his lifetime of all tangible,non-titled,personal property located in my marital residence with him,excepting those items set forth in Exhibit"B"to such Pre-Nuptial Agreement,a copy of which Exhibit"B"is attached hereto and made a part hereof. I further bequeath such items of my tangible, non-titled, personal property as are specifically itemized in a list, if any, in my handwriting, signed and dated by me at the end thereof, to the persons named thereon to receive such items. Any such items not so itemized or not set out in Exhibit"B"attached hereto shall be distributed to those of my children who survive me. In addition to the foregoing, I give the sum of$75,000.00 to my said husband, JOSEPH R. GUARINI, provided he survives me by thirty(30) days. ITEM THREE I specifically decline to exercise any power of appointment given to me by my deceased husband, JOHN RICHARD ZIMMERMAN. ITEM FOUR All the rest, residue and remainder of my estate I give, devise and bequeath to my issue, per stirpes,except as otherwise provided in paragraphs 2 and 3 of this ITEM FOUR below and provided, � � �� D.S.G. Page 1 of 8 Pages however, that the share of any of such issue who is under the age of twenty-one (21) years, shall be held in a separate trust under the terms of ITEM FIVE of this my Last Will. I further direct that the share of JACLYN Z. MOYER shall include the real estate situate at 435 First Avenue,Haddon Heights,New Jersey. The value for distribution of such real estate shall be determined by using the greater of: (1) the sum of$171,702.50; or (2) the value at which such property was appraised for inheritance and estate tax purposes, reduced by the amount of the outstanding mortgage owed by me to my said daughter with respect to such property, if any. 1. Separate Trust for Jaclyn Z. Mo ��er. If my daughter, JACLYN Z. MOYER, survives me by thirty (30) days, her share shall be held in a separate trust. The income and principal of this separate trust shall be distributed as follows: a. Income. The Trustee(s)shall pay the net income therefrom to or for the benefit of my said daughter for her lifetime,in such installments,but not less frequently than quarterly, as the Trustee(s) may determine. b. Principal. The Trustee(s) shall from time to time pay such sums from the principal thereof to or for the benefit of my said daughter as may in the discretion of the Trustee(s) seem necessary for her support, health care, education and maintenance in reasonable comfort taking into consideration such other sources of income,support and estate that may be available to her. c. After Dau�hter's Lifetime. When my said daughter is no longer living, the principal and any income, accrued or undistributed, remaining in this separate trust shall be distributed to her then living issue,per stirpes,provided,however,that if any such issue is then under the age of twenty-one(21)years,his share shall be held for him in a separate trust under the terms of ITEM FIVE of my Last Will. 2. Se�arate Provision for the share of Betsv Z. Diebolt. If my daughter, BETSY Z. DIEBOLT, does not survive me by thirty (30) days, then one-half of the share for my said daughter shall be distributed to her husband, PETER DIEBOLT, if he is then living, and the other one-half of �.S. G D.S.G. Page 2 of 8 Pages such share shall be distributed to her then living issue,per stirpes,provided,however,that if any such issue is then under the age of twenty-one(21)years,such share shall be held for her in a separate trust under the terms of ITEM FIVE of my Last Will. I appoint PETER DIEBOLT as Trustee of any such trust for the issue of my daughter, BETSY Z. DIEBOLT. ITEM FIVE SEPARATE TRUSTS The income and principal of a separate trust in which a share is held for a beneficiary pursuant to the terms of ITEM FOUR, shall be distributed as follows: 1. Income. The income shall be distributed at least quarterly to or for the benefit of the beneficiary. No payment shall be made under this paragraph 1 which would discharge to any extent the legal obligation of any person for the support of the beneficiary. 2. Principal. The Trustee(s) shall pay from the principal such sums to or for any or all of the beneficiary and his or her issue as in the discretion of the Trustee(s) seems proper for their support,maintenance,health care and education,and such sums to or for the benefit of the beneficiary as in the discretion of the Trustee(s) seems proper to help establish him or her in a business or profession or acquire or furnish a home for him or her,taking into account the other sources of income, support and estate that are available to the distributee,the reasonably anticipated needs and resources of the beneficiary and his or her issue, their income and estate tax brackets, the desirability of the transaction(if any),and the possible application of any generation-skipping ta�c. No payment shall be made under this paragraph 2 which would discharge to any extent the legal obligation of any person for the support of the distributee. 3. Distribution of Separate Trust. When such beneficiary shall have attained the age of twenty-one(21)years,the Trustee(s)shall distribute to him or her the entire balance held in his or her separate trust. ITEM SIX POWERS OF EXECUTORS AND TRUSTEE In addition to the powers conferred by case law,by statute,and by other provisions hereof,my Executors and Trustee and their successors,shall have the following discretionary powers applicable to all property held by them which powers shall be effective without order of any court and shall exist until final distribution: "�. S �_. D.S.G. Page 3 of 8 Pages 1. To retain any property of any nature received by them for whatever period they shall deem advisable; 2. To invest and reinvest all or any part of said property in such stocks,bonds, common trust funds, securities, accounts, certificates of deposit (including, but not limited to, stocks, bonds, common trust funds, securities, accounts or certificates of deposit of the Trustee) or other property, real or personal, as in their discretion they shall deem proper, without regard to statutes limiting the property which a fiduciary may purchase; 3. To sell,transfer,exchange or otherwise dispose of, any part of said property,for cash or on terms,publicly or privately,or to lease,even for a term exceeding five(5)years or the duration of any trust herein, without liability on the purchasers or lessees to see to the application of the proceeds,and to give options for these purchases without the obligation to repudiate them in favor of a higher offer; 4. To execute and deliver any deeds, leases, assignments or other instruments as may be necessary to carry out the provisions of any trust hereunder; 5. To borrow money,including the right to borrow money from any bank and to mortgage or pledge any asset of the estate as security; 6. To assume continuance of the status of any beneficiary with regard to death,marriage, divorce,illness,incapacity and the like in the absence of information deemed reliable without liability for disbursements made on such assumption; 7. To pay from the trust, or the income therefrom, all debts or claims against my estate, or any taxes or similar charges on my estate; 8. To make any distribution hereunder either in kind or in money,or partially in kind and partially in money. Distribution in kind shall be made at the market value of the property distributed, and my Trustee,in my Trustee's absolute discretion,may cause the share distributed to any distributee to be composed of property similar to or different from that distributed to any other distributee; 9. To exercise any subscription right in connection with any security held hereunder,to consent to or participate in any recapitalization, reorganization, consolidation or merger of any corporation, company or association, the securities of which may be held hereunder, to delegate authority with respect thereto, to deposit investments under agreements, to pay assessments, and generally to exercise all rights of investors; i) �, , D.S.G. Page 4 of 8 Pages _ __ 10. To invest in endowment, insurance or annuity policies on the lives of beneficiaries of any trust hereunder; 11. To continue in any partnership, joint venture, joint ownership or other business enterprise of which I am a part at the time of my death; 12. To compromise claims; 13. To continue for whatever period of time as they shall deem necessary any ownership as a tenant in common or as a partner, in real estate or other property and to act as I could have done had I been living; 14. To lend money to my estate or to any trust created hereunder or to purchase from the estate or from any trust created hereunder, at the market value thereof at the time of purchase, any securities or other property tendered to them by my estate or any trust created hereunder at any time and from time to time within a period of nine (9) months after my death; 15. In the event that any amounts are payable hereunder or under any trust created hereunder to a minor,or to a person otherwise under legal disability,or to a person not adjudicated to be an incapacitated person, but who, by reason of illness or mental or physical disability is, in the opinion of fiduciary(ies) hereunder, unable to properly administer such amounts, such amounts may be paid by the fiduciary(ies)hereunder in his,her or their sole discretion in any of the following ways as he, she or they may deem best: a. Directly to such beneficiary; b. To a legally appointed guardian of such beneficiary for the benefit of such beneficiary; c. To a person having custody of such beneficiary for the benefit of such beneficiary; d. By the fiduciary(ies) hereunder using such amounts directly to the benefit of such beneficiary. Evidence of the application or payment of an amount in such a manner shall be a full and complete discharge of the fiduciary(ies)hereunder to the extent of such payment or application. This paragraph shall be applicable to payments of income as well as principal. 16. To employ agents, attorneys and proxies and to delegate to them such power as my personal representatives and Trustees consider desirable and to pay reasonable compensation for such � S.G. D.S.G. Page 5 of 8 Pages services as may be rendered by such agents, attorneys and proxies; 17. To conduct an inventory of any safe deposit box necessary to the administration of my estate. 18. To do all other acts in their judgment necessary or desirable for the proper management, investment and distribution of my Estate. ITEM SEVEN PROTECTIVE PROVISIONS All income or principal held for the use and benefit of any trust hereunder shall not be in any way or manner subject to anticipation,assignment,pledge,sale or transfer,nor shall any such interest, while in the possession of my Trustee(s), be liable for or subject to the debts, contracts, obligations, liabilities or torts of any beneficiary, or to attachments,executions or sequestrations under process of law. ITEM EIGHT FIDUCIARIES I appoint as Executrices of my Last Will my daughters, BOBBIE Z. SURRICK and BETSY Z. DIEBOLT. If either of my said daughters should be unable or unwilling to serve or to complete the administration of my estate, no successor shall be appointed to serve in her place and my remaining personal representative shall serve alone. I appoint as Trustees of all of the trusts created under my Last Will(with the exception of any trusts created under ITEM FOUR,2)my grandchildren,MARC S.MOYER,AMANDA E.MOYER, MOLLY M. MOYER and SARAH J. MOYER. My Trustees shall serve as guardian of the property of any minor beneficiaries hereunder,under any instrument oftrust executed by me,under any policies of insurance on my life,and in any other situation in which the power to make such appointment exists under the laws of Pennsylvania. No individual fiduciary shall be liable for the acts,omissions or defaults of any agent appointed and retained with due care or of any co-fiduciary. No fiduciary shall be required to furnish bond or other security for the proper performance of his, her or its duties hereunder. A majority of all income beneficiaries of the trust or trusts created under this Will may from time to time remove any corporate trustee then acting for reasonable cause and substitute another t7.S.G D.S.G. Page 6 of 8 Pages corporate trustee; provided, however, that such successor corporate trustee shall not be a related or subordinate to any one or more of the beneficiaries hereunder within the meaning of Internal Revenue Code§672(c)or successor provisions. When the removed corporate trustee has received written notice of its removal and has been notified in writing by its successor corporate trustee of the latter's acceptance, the removed corporate trustee shall surrender all books, records, and assets in its possession comprising any portion of the trust or relating to the trust. In no event shall the removed corporate trustee charge a"termination fee" based on a percentage of trust assets as a result of such removal but shall be entitled only to charge such fee as fairly represents the cost of any accounting required by the beneficiaries or successor corporate trustee as part of such removal and substitution. The removed corporate trustee shall not be relieved of liability until its successor has qualified and the removed trustee's accounting, if applicable, has been settled or the beneficiaries and successor corporate trustee have otherwise accepted an account stated in lieu of a formal accounting. As used in this paragraph, the term "reasonable cause" includes, but is not limited to: (1) poor investment performance,(2)the removal of all current income beneficiaries from the state in which the corporate trustee is licensed to conduct business as a corporate trustee, (3) inattention to the reasonable needs of the beneficiaries, (4) lack of communication between trustee and beneficiaries, (5) inaccurate or unclear transaction statements or statements of account,(6)conflicts between the corporate trustee and the beneficiaries, (7)merger, acquisition or deteriorating financial condition of the corporate trustee, or (8) high turnover of account officers assigned to any trust under this Will. IN WITNESS WHEREOF I have hereunto set my hand and seal this / �i�� day of C-u.,�;:�,z-�.� , Zoos. �� S. -'�.-�-�� (SEAL) Doris S. Guarini SIGNED, SEALED,PUBLISHED AND DECLARED by the above-named Testatrix,as and for her Last Will and Testament, in the presence of us, who at her request, have hereunto subscribed our names as witnesses thereto, in the presence of the said Testatrix and of each other. � �� %t �l u �/// / ( ��r� Page 7 of 8 Pages COMMONWEALTH OF PENNSYLVANIA ) . SS. COUNTY OF CUMBERLAND ) We,Doris S.Guarini,Ivo V.Otto III,and ��(��f7%T�r,� � +1 � ,the Testatrix and the witnesses,respectively,whose names are signed to the foregoing instrument,being first duly sworn, do hereby declare to the undersigned authority that the Testatrix signed and executed the instrument as her last Will and that the Testatrix has signed willingly, and that the Testatrix executed it as her free and voluntary act for the purposes therein expressed,and that each of the witnesses, in the presence and hearing of the Testatrix, signed the Will as a witness and that to the best of his/her knowledge the Testatrix was at that time eighteen years of age or older, of sound mind and under no constraint or undue influence. �-c� S ��'c.�,�-€�yL �-- D is S. Guari ' Testatrix Witness ; � /' C! cc,�'C� � �L t' L � Witness Subscribed, sworn to and acknowledged before me by Doris S. Guarini, the Testatrix, and subscribed and sworn to before me by Ivo V.Otto III and �%?�C�7i►'� �- �- � %�� t 2005. the witnesses,this ��L day of � "z�,�ti4� , -, _� �,�,� � ��u�zZ ,� . No ary Public - ,�, NOTARIAf_SEA�_ CORRINE L. "llYcR�;, �JOTARY PUBL.IC CARLiSLE BORO,Gf'�t.i�TY OF CUMBERLAND p�y f.,0;;�pli�',;':!^i�!' ^ "rS MAY 27,2007 Page 8 of 8 Pages � ' �' . . . . _ _ � � , ., . • � �c;;p�;±*A-QFT',GE Of 7NE � r,r•�; ;•i�:F D:c.7S �;,'.r�:n!.',I:)::Uli i Y-Pa. �j THTS INDEN2URE '�� i�y Z Q �n 11 3! MADE tha ��day oi�AU e�lw g(/ , in ths ysar nineteen � .. hundred and eighty-nine (1989) � B E T W E E N � J. RICHARD 2I1�R�SERMAN and DoRIS S. ZII�7ERMAN, Grantors, partiea I of the first part, A M D � DORIS S. 2IMMERMAN,Grantee, party of the second part. � W I T N E & S E T H That the said parties oP the first part, for and in consideration o! the sum of One (51.00) Dollar, lawful money of � the United Statea of America, well and truly paid by the eaid � party oE the Becond part to the said parties of the Yfrat part, ' at and before the aealing and delivery of these presents, the � receipt whereof is hereby acknowledged, have granted, bargained, sold, aliened, enfeoffed, releasad, aonveysd and � conPir:Aed, and by these presents do grant, bargain, sell, alien, enfeoft, release, convey and confirm unto the said party of the second part, her heirs and assignc. • � I ALL THOSE CERTAIN PARCELS of land situated in the Township of west Pennsboro, County of Cumberland and CommonWealth of • # I Pennsylvania, bounded and described as follows: � � � 000x�}34 fA�f 346 � � � ' � � c �_ A , —r�e`� � � � o-F 35 � �c ► � � � � ' i i � � ' , � PARCEL I '. (a) Beginning at an iron pin on line of � ; Cumberland Valley Railroad, thence by land now or ! late of Lewis F. Brymesser, North 8 degrees 5 minutes West, 98.9 perches to a point in the Mt. Rock Roads � � 'i thence along said road by land of saYd Lewis F. Bry�iesser, South 75 deqrees 50 minutes West, 1z � perches to a point, thence along said road.by Land � ' now or.late of Mrs. Fleeta B. Sasehore, South 73 i � rlegrees 40 minutes West 26.4 perches to a point; � thence by the same South 64 degrees 40 minutes West 60 perches to a point; thence by the same, South 61 degrees 50 minutes West, 33.4 perches to a point; thonce by the same south 51 deqrees l0 minutas West, ' 46.3 perches to a pointt thence by the sarae South 46 � ' ' ' degrees 10 minutes West, 19.4 perches to a point; thence by land now or lete of John Graham, South 60 degrecss 15 minutes East, 90 perches to an iron pin on 2ine of the Cumberland Valley Railroad; thence along � the lfne of said Railroad Company, North 69 degrees 2 minutes East, 113.6 perches to .an iron pin, the place of beginning. Containing ninety-one (91) acres and seventy-four (74) perches. (b) Beginning at an iron pin on line of the � Cumberland Valley Railroad Company, thence by land now or late of John Graham, South 60 degrees 35 minutes East, 50.8 perches to a stone; thence by land of S. Wing Greason, Nortti 68 degrees 40 miautes �East, • 65.2 perches to a stone; thence by Iand now or late ' of Lewis F. Brymesser, North 8 degreas 5 minutes . West, 38.8 perches to an iron pin on line of the Cumberland Valley Railroad Company; thence along the line cf said Company, South 69 degrees 30 minutes Wast 106.4 perches to an iron pin, the place of beginning. Containing twenty (20) acres and ninety- G; eight (98) perches. PARCEL II � BEGINNING at a post in the public road; thence . � by said road South seventy-aix degrees West twelve and one-tenths perches to a post in said road, Corner of land formerly of John H. Zimmerman, now oP J. � Richard Zimmerman and Doria S. Zimmerman, his wifes thence by said land, North seven degrees West sixty- niqht and Pive-tenths perches to a post; thence by � - 2 - p�o�� 34 P�cE 34? `� � � � �� -� 3 5 �` ' � � . . __. . ; � � 2and lormer2y o! Mrs. Slmer Cohick and Mary Ssar. now of Brown Brothera, South eighty-oight and one-hal! degreee East eighty-one and six-tentha perches Co a post; thence still by land of Srown Brothers ehd land of Roy Cline, North eighty-two and three-fourths degrees East eighteen and one-tenths perChes to a 3 postJ thence by land oP Carl Shenk, West Pennsboro Township School District and J. Richard Zimmerman and Doris S. Zimmermart, his wife, and others, crossing the railroad, South Pive and one-fourth degrees East one hundred ninety-six perches to a post; thence by land formerly of David P. Finkenbinder, now of J; Richard Zimmarman and Doris S. Zimmerman, his Wile, South seventy-two and one-half degrees West eighty- eight perches to a post; thence by �end of the same and land formerly of Sue Bosler, now o! J. Richard � Zimmerman and Doris S. Zimmerman, his wife, crossinq the railroad, North five a�d one-fourth degrees West one hundred fifty-six and five-tenths perches to a post in the public road, the Place of BEGINNING. CONTAINING about one hundred sixteen acres, from � � which, however, must be eliminated the portion thereoP conveyed by William D. Greason and M. Tereaa, his wife, by Deed dated the 24th day of January, 1910, and recorded in tha Olfice oP the Recorder of Deeds in and for Cumberland County in Deed Book "N", Vol. 7, Page �48, containincj about four acres, to the Cumberl.and Valley Railroad Company, leavinq tha area � of the tract now beinq conveyed to be about one i hundred twelve acres. � ,i SUBJECT, NEV£RTHELESS, to easemente, Conditions, resttictions, and righta of way of record, visible upon the premises, or discoverable by sUrvey. � PARCEL I beiny the same as that coaveyed by Georqe R. . Zimmerman, et al, by deed dated May 21, 1960, and r4corded in � ' the Cumbsrland County Recorder of Deeds oYtice in Deed Book V, I Volume 19, Page 523, et s�,, qranted and conveyed unto � Grantors herein. � ' � - 3 - �;i ' . �OOK�� PdCE $48 � __ _ _ _._.._.._. � � 3 �� 3� ► � � . � � • . � � PARCEL II being the same as that conveyed by The Estate of � J. Wilson Stine, by the executor's deed dated May 7, 19G5, efs recorded in the Office aforesaid in Deed Book "O", Volume 21, � Page 826 et ses,, unto Grantors herein. TOGETHER with all and singular ttse tenements, � � ; � hereditaments and nppurtenances to the same belonqing, or in � , anywise appertaining, and the reversion and reversions, remainder and remainders, rents, issues and proPits thereof; AND ALSO all the estate, title, interest ! I � , property, claim and � demand whatsoever, b o t h in law and equity, oP the said part oP the first part, of, in, to or out of the saia premiaes, and � � • every part and parcal thereof, TO HAVE AND TO HOLD the said premises, with all and singular the appurtenances, unto the said party oP the second � part, her heirs and assigns, to and for the only proper use a�d � behoof of said party of the second part, heira and assigns forever. � AND the said parties of the first part, for themseZves, � their heirs, executors, and administrators, do by these � presents, covenant � , qrant and agree to and with the said party ot the second part, and her heirs and assigns, that they, the � aaid parties of the firet part and thQir heirs, all and • i eingular the hereditaments and premises herein above described and grantad, or mantioned and intended so to be, with the � � � - 4 - � �00}fH� PACf 3� �� , � 9 � � � � 35 I i � � � . � . . ' � � appurtenances unto tha said party oP the second part, her hairs and assiqns, against the said parties of the lirst part and � their heirs, and aqainst all and every other person or persons, ' whomsoever, lawfully claiming or to claim the same or any part � thereof, by, through, from oz under them or nny of them 6ha11 � and will, by these presents, WARRANT AND FOREVER DEFEND. � IN WITNESS WHEREOF, the Faid partiea of the lirst part � , have hareuntp� t their hande and seals, the day and year first itten abo� !'; �� "" , � ��y��II+l ,,,,�,�:.c«�.��a.. (SEAL) C�'�1 . J�.RICHARD i ERMAN �, ...�w �C-.13�e-�_ I�. S��,,.�..��-t- (sFaL) DORIS S. ZII�iERMAN • CERTIFICATE OF RESIDENCE � � �I, hereby certify that the precise residence of the ' grantee herein is as lollows: • � 1 ' ' BoX 13 Pleinfield, PA 170 1 � �� r ttorney or Age for Grantae � � j l - 5 - � ' � BUO!(�"I � PACE 33O � � � �' � . � � � � 3� „ • � ,. � - �, � , ` . � COMMONWEALTH OF PENNSYLYANIA � • SS: COUNTY OF �� ' � On this, the Z--aay op • �vc,�,�� . 1989, begor.e me, the undarsigned officer, personally appeared J. Richard i � 2lmmerman and Doris S. Zimmerman known to me (or satisfactorily � # I , proven) to be the persons whose names are subscribed to the � within instrument, and acknowledged that they executed the same , tor the purpose therefn contained. In WITNESS WHEREOF, T have hereunto set my hand and seal. % � '`,` „.,.,,,�,.��,�„�� O�l:�°' , �-�`/r-a`-:; �fsi��w��i y',��% .: , :�:�'' ” � a� � My Commission Expires: JERNIE�E.iARIA��A� y �'�. ;i'-�. • Aow.aaan wor��-� +,� � r�L'��. cQ': M!Ccmmissfon EaDlros Jen,f9.t99�, ��''r�� , , �wn, COMMONWE�qLTH OF PENNSyLVANIA • � � CO�TNTY OF CUMSER ' •;+'�`� SS i Id1ND.�t�w:.'$:t.�,: ,,�: '" ' . , "'a'S;"' � ,d.+...•.r.�'�j:'+�^.;.7. ..1`;. :,�r .�.•�,7,:, . RECORDED in the�'Of�,i�+r��4 �' � . � ;,.. : e:. °i�':�tie"13�ecording of Deeds, Etc. i for � '= � . n and said Countyj•�'p�: C�' ``�! �"" ' � r :.,i'•,��•��'"'BR�Ie:No. �. Vol.�� , ye�. � Pa WITNESS my"han3��t�j�yofi��c{al• seal this �-_ �..�': �::, .,,;,.. ,:.., � day of � i 1985t,�iri�n••'r`•ry��$�;"i,�/� 'S�^ly~!!:•ir+r }�<.;,� � .�•.�..� • � Recorder of Deeds • � 6 _ • 90QK�� PACE a� � � � � � � 35 � � , � _.. � • •rr.�u tr p�rl REGOIOfR•S USf ONIY �.« � � ��" REALTY tRANSFER TAX _ eo�nMOr+we��m a reNNSViv�NU STATEMENT OF YALUE p, � DE►ARTMEM Of IIEV[HUE WlUU Oi INDIVICYAt TAXES ;�i ►OS7 WRCE!OX t010 "" � � NARRIS�URG,►A 1710S�K10 SN R�v�n�for IntfwNiens ComplN•w�h�.c+ien end IY�in d�plkaN wMh R�terd�r o(D�rdr Wh�n(1�th�lull wn�id�+etan i�ne��Fat6 ie tM dNd,(2�WMn�A�dNd�� `ritAoW conwd�rWbn.«by y*,a(3 a b■�sNnWion k deiMd.A Stm�n�of Vnlw i�ne�aqvind iF da�romla 4.dwtlr��p he�n�e. be..d en:(I)fen�Ay rdo6onsAp er(7�publk�n�l�r�o»�wm.11 mon�pec�K nNd�d,anocA eddi�ienol.�MN(��. . . . � . . . e ► f.�..• i �.� � ��:f.•�� .i: . -!Z-. '.Y.�e - �. .�.rA :..': ..... , . No� id�yM��NumMr .. Richard W. Stevenson, McNeea, Wallace b Nurick N«�•1 717 1 232-8000 ��.N,we�..� ��y sa�. r • 100 Pine Street, P.O. Box 1166 Harrieburg PA 17J.06 , � � . . � . De�el Aap�snn d Dxu�m �� ., , , Gran�a��Rn�e.l+i . Gren�N�jll�� J. Richard an r por s a�..,�dd..�� sn.«r. ,..� Box B �, eN IJV CGr �i. �P • �r Plainfield PA 7Q81 Plainfield YA 17081 � � , , � . � • Sw�w Adh�u Ury.Ter+mAio.�weuph � , MY if11M Y OK Y�n ! Cumberland .' . • � . 1.Acwet C�Ceard�rmie• I.OMr Cemidoetien �.iMd GnaMrnrn � . ? + e fe+Ma • -:� l. Y111y A{IM VO . Apl ROliO OC�M , . . . . x z • � ' fa.Aswr�.�e!E+«�Gr�e�Clei��d tb.�wanop�d Im�nx Cenwl+d � 1s1�b��ldew ler Ea�Tpflss ClalaNd � 2.CIHSk AiPnM ❑ Wql er i�qao4 wccndon �� an• � �..s.. ' ��aaa �� ._ ❑ Tromhr M ledwtriel 0�•doOm�M Ag�ncy. � �' ❑ irondo a Ap�nt or Snow►erty.(A++ed eepr e(op��ryfinew porry epr�n�nQ. ; '� Tronda bNwNn printipo)end ep�m.(Anech mpy e(op�nry/qraw kun apr�M).Tax pid pia�d S 'I , ❑ Tromf�n te�M Can�nenwwhh.�M Unit�d Srer„.end Inurv�n�op6u by plh,Md'�kn,eeed«nna�ien a In Nw ef eendNnnstien.(AnocA ! sepy ef nwlwicn). , f : � ❑Tromfn Iron�menpeper�e a lald�r ef e mmfpop�M d�Foult.Menpep�look Nvm�r .h�Nwnb�r . I ❑ Cemctiw dNd(Apoch mpy d�h�Prbr dNd�. ❑ Ste�urory GaVOroN ComoRdofron,Mnpa a Di�I�Ian.(Anad tepr e}enk1��). • j j �y � -�nefer �n e�p,L frem ' .� • WI OtMr�PIwN�xplein u�mpNen doMwd.Y Mlur�hon Iuhd ebow.) '�lS• • ; nn a i t v f i, UnMr e i��rf law.l d�den M 1 hsw�san�Wd fhD Srohnrnl�bcludlip ec�npmrytn�Mt�nne�Mn,�nd h�M bd�f�r iwwldr � i �nd INf, b Irw,s�n+e��nd e� b��. I �M M w►�a 1j �iu,�.�C.�, � 11-22-89 � ' (SEE REVERSE) � � PACE 3S2 � �ooK�f a� �� 1 3 5 ► � S. W. BARRETT REAL ESTATE AND APPRAISAL SERVICES File Na. 13-0252 APPRAISAL OF �� ,4 e-+rt51 ��b �� ; . . ,;,,w�-�..,,..._,.�....:-..�-��..,._ ��.r . . � . . . ..„.� _......,...._..�-_...� � ,f_"�`<` . . .. t. �_.--� _..�.- 1. . . ..------' .` -�^ �,..-a..-.�-"�"" ' . ��•• �� .a-'.fi .�� ` ".."'',+=�,.. — - �w�3 �t.*� e...--s-..�_. . . _ . �.?;,�c . a' t�, � - �,._ .... . , : �_..s" .. ..__.=_-. 9� .9s`+� . , . - - F -_ ' �.�'� �� LOCATED AT: 55 Springview Road Carlisle, PA 17015-9419 CLIENT: Martson Law Offices Ten East High Street Carlisle, PA 17013 as oF: October 4, 2013 BY: Stan A. Skowronek PA Certified Residential Real Estate Appraiser �c� . � , �-�'�`� 1 � � 3� S. W. BARRETT REAL ESTATE AND APPRAISAL SERVICES File No. 13-0252 11/08/2013 Martson Law Offices Ten East Hfgh Street Carlisle, PA 17013 File Number: 13-0252 In accordance with your request, I have appraised the reai property at: 55 Springview Road Carlisle, PA 1 7 01 5-941 9 The purpose of this appraisal is to develop an opinion of the defined value of the subject property, as improved. The property rights appraised are the fee simpie interest in the site and improvements. In my opinion, the defined value of the property as of October 4, 2013 is: a�oo,000 Seven Hundred Thousand Dollars The attached report contains the description, analysis and supportive data for the conclusions, final opinion of value, descriptive photographs, assignment conditions and appropriate certifications. Respectfully submitted �,•�c.V(`r'`'�� Stan A. Skowronek PA Certified Residential Real Estate Appraiser q � 3� � � Summary Residential Appraisal Report Fi�eNO. 13-0252 The purpose of this appraisal report is to provide the client with a credible opinion of the defined value at the subjec[properry,glven Ihe intended use of ihe appraisal. ClientName/intendedUse� Martson Law Offices E-mailN/A � ClientAddress Ten Eaat Hf h Street cii Carllsle siaie PA zi 17013 ; Additionallntended User s The Intended User of this a raisal re ort is the Client. No additfonal intended Users are erm itted without . the erm fssion of the a raiser s . in�ended use The Intended Uae is to evaluate the ro ert that is the sub'ect of this a raisal to rovide the Client with an accurate and ade uatel su orted o inion of value. Pro er ,4ddress 55 S �In vlew Road Cit Ca�lisle S�ate PA Zi 1 7 01 5-941 9 OwnerofPUblicRecordZllillfl9ff118f1 Doria S counc Cumberland Le alDescri tion Deed Book 34H a e 346 " Assessor's Parcel� 48-07-0477-028 rax rear 201 3 R.E.Taxes E 2 300.00 Nei hborhood Name Weat Pennsboro Townshi Ma Reference 07•0477 CensusTract 0128.00 Pro ert Ri hts A raised X Fee Sim le Leasehold Olher describe M reseerch did X did not reveal an rior sales or transiers of the sub�ect ro ert for the three ears rior ro the effective date of this a raisal. PriorSale�Transfer: Date 11/2811989 Price 1 Sources Cou�thouse Analysisofpriorsaleartransterhistoryafthesubjeclpwperty(andcomparablesales,ifapplicable) NO rfor transfers of the sub ect withfn th9 ast 36 mo�tha nor were there an rior transfers of the com arables wfthin 12 months of their aale date. Otterings,options and contracts as of Ihe effective date of the appraisal NOn@ noted < IE� �II�etlf�od46u�steilY�os� � ' 4n�-tlnitNa�slq�;'FNRiik OA�=Uniti40tl�Ip�� K[�x�►tEs�iVialfk'� �` Location Urban Suburban Rural � Pro ert Values Increasin X Sta61e Declinin � PRICE AGE One-Unit 2S % Built•U Over 75% 25•75% Under 25% Demand/Su 1 Shorta e X In Balance Over Su I S 000 rs 2-4 Unit 0 46 Growth Ra id X Stable Slow Marketin Time Under 3 mths X 3-6 mths Over 6 mths 140 Low 20 Multi-Famil 0 % • Neighborhaad Boundaries The Sub eCt is bounded on the no►th b Newville Rd on the east b 225 Hi h 100+ Commercial 0 % � York Rd on the south b Ritner Hw and on the west b Hatcher Rd. 180 ared. 40 o�her Vac 75 % ; NeighbornoodDescrip�ion The sub ect Is located in an area of mixed resldential and a ricultural use which is common to Western " Cumberland Count . It fs within reasonable drfvin distance to ammenities such as schools sho in and em lo ment. MarketConditions(includingsupportforlheaboveconclusions) S8B Attached Addendum Dimensions See le al descri tion nrea 88.04 ac sna e Irre ular view O en countr 5 eci�icZonin Classitication A 8 R Zonin Descri iion A �Icultu�al 8 Ru�al ReSidential Zonin Com liance Le al Le alNonconformin Grandfathered Use No Zonin Ille al descri6e Is the highest and best use of the subject p�operry as improved(or as proposed per plans and specifications)lhe present use? X Ves No If No,describe. Utllitl�a Public Oth�r dsserib� Public Oth�r dsscrlba Off-sit�lm rov�mants—T • Publlc Prlvat� Electrici X Water X Well Street Macadam Gas NOn9 saniter Sewer X Se tic Alle None si�e commen�s Private water and sanitar s stem s are com m on to the area and have no adverse affect u on m arketabilit . The sub ect im rovements are not in a PEMA s ecial flood hazard area er Flood Ma #42041CO208E/dated 0 311 612 0 0 9/Zone X. � rF' �.�. G . � IQ6�- b ' �< ` Ffit1N6A IC :�,� �. ��fERiQ CE � �IPt1011:`� m��ia - INI��Q , . � q17��'�� " � . ,+� Units one onewlACC.unit Concrete5lab Crawls ace FoundationWalis Stone/Av Floors PinelC t/V/Fal� #ofStories 2 X FuIlBasement PartialBasement EzteriorWalls Alumiftum/AV Walls Platr/DW/Fair T e Det. Att. S-Det./EndUnit BasementArea 756 s .it. RoofSurface MetdllAV TrimlFinish WOOd/F81f Existin Pro osed underConst. BasementFinish 0% Gutters&Downs outs Alumi�um/Av BathFloor Vin 1/Fair Desi n St le 2 StOr OutsideEntr IExit Sum Pum windowT e Wood F►8m81Av BathWainscot Df w311/Fai! vear eui�t 1910 5torm sash��nsulated Yes/Av Car Stora e None Ettective A e vrs 30 Screens Yes/Av X Drivewa tt olCars 4 Attic None Heatin X FWA HW Radiant Amenities WaodSrove s n0 Drivewa Surface Gf8V81 Dro Stair X Stairs Other Fuei Kerosene Fire lace s # 0 X Fence W OOd Gara e #af Cars 0 Floor Scuttle Coolin CentralAirConditionin PatiolDeckNOnB X Porch Car ort #afCars 0 Finished Heated Individual Other Pool NOnB X Other Otbld 8 Att. Det. Built-in A liances Refri erator X Ran e/Oven Dishwasher Dis osal Microwave Washer/Dr er Other tlescribe � Finished area above rade contains: 7 Rooms 3 Bedrooms 1 Bath s 1 768 S uare Feet ot Gross Livin Ares Above Grade � AdditionalFeatures Covered orch. 52x72 bank barn. 28x30 machine shed. 24x40 Im lement shed. Several smalier outbuildin s. Commentsonlhelmprovements Im rovements are in fair/avera e condition with no h slcai or functionat inade uacies noted. NOTE: The ins ection of the home was an exterior ins ection onl . The features of the home are er tax assessment records and information from the realtor. �� oa�cee os��9 aci souwa�e.eoaz�aenr w�.w.a��wee.c�m rn�s io�m coov��em o zoos�aota nci o v sm�oi iso c�a m:se��<es.��.,nu H�9ms aes.��ea. 7age 1 0l4 (gVAR�•)Genefel VUrpose Appt81581 Repatt OS/i030 �. , "`. F ., r' . .., ,i GPAF100� 1005267010 i0 � 3� � � Summary Residential Appraisai Report FileNo. 13-0252 FEATURE SUBJECT COMPARABLESALEN0.1 COMPARABLESALEN0.2 COMPARABlESALEN0.3 55 Springview Road 17 Burgners Mfll Road 1167 York Road 8 W. Hatchery Road nddress Carlisle PA 17015 Carlisle PA 17015 Mechanicsbur PA 17055 Newville PA 17241 Proximit tosub'ect 1.30 m(les NE 12.91 miles ESE 9.15 mfles WSW Sele Price E 5 700 000 S 550 000 S 750 000 Sale Price�Gross�iv.nrea E 0.00 s .fl. E 259.55 s .tt E 97.16 s .ft. S 31 1.72 s .it oacasources (ns •clo� _ ' Courthouse CPMLS 10229789 Courthouse veriricaiion source s C�5 a ' Courthouse Courthouse VAWE ADJUSTMENTS DESCRIPTION DESCRIPTION - Sne�ustmem DESCRIPTION - Ene�us�ment DESCRIPTION � Snebs�mem SaieorFinancing N//P�- � - Unknown Unknown Unknown .. . Concessions oateotsalel7ime N " 12/28/2012 06119/2013 01/18/2013 Loca�ion Rural Rural Rural Rurai LeaseholdlFee Sim ie Fee Sim le Fee Sfm le Fee Sfm le Fee Sim le sice 88.04 ac 78.57 ac 59 760 60.84 ac 203 200 83.19 ac 22 800 view O en countr O en countr O en countr O en countr �esi n s ie 2 Stor 2 Stor 3 Stor 2 Stor uali ofconstruction Avera e Avera e Avera e Avera e , ActualA e 100; Years 100+ Years 100+ Yeara 100+ Years : Condi�ion Fair/Av Avera e -5% -35 000 FairlAv Avera e -5% -37 500 Above Grade Tolal BOrms. Baths Total BErms. Batns Total BCrms Batns iolel BArms Balhs ' Room Count 7 3 1 9 4 1 10 4 2 -5 000 8 3 1.5 •2 S00 . G�oss I.ivin Area 15.00 1 768 s .It. 2 697 s .ft. •13 935 5 861 s .it. -S8 395 2 406 s .ft. -9 570 Basement&Finished Full Bsmt Full Bamt Full Bsmt Partlal Bsmt 0 ' Raomseelowcrade Unfinished Unfinished Unfinished Unfinished FunctionalUtili Avera e Avera e Avera e Avera e - Heatin 1COOiin FWA/None FWA/None 0 HW/None 0 FWA/CA -4 000 Ener Etticient�tems None None None None cara e�Car orc None None None None PorchlPatio/Deck Porch Porch Porches -3 000 Porch Barn/Lvst/Shda Barn/LvstlShds 0 LvstlSheds 0 Barn/Sheds 0 Fence Fence/2FP -6 000 Fence Fence/2FP -8 000 NetAd'ustment 7ota� + a 4 825 + S 136 805 + X - S 36 770 Adjusted Sale Price �� '` � " NetAdj. 0.7°k NetAdj. 24.9% NetAdj. -4.9% otCom arables � ° "' GrossAd'. 16.4% S T04 825 GrossAd. 49.0% 5 686 805 GrossAd'. 11.0% E 713 230 summar otsaiescom arisonn roacn The unad usted rice er acre for the com arable ran e is SS 909 9 070 and 9 018 res ectivel . The ad usted rice er acre ran e is 8 970 11 328 and 8 573 res ectivel . Acrea e is ad usted at 8 000 er acre. The condition ad ustm ent for com arable #2 reflects the need for total interior renovation er Ilstin reaitor. All the sales are closed transactions as of the date utilized. All com arable sales are considered e ual indicators of value and wei hed s uall (n the final reconcilistion. The best avallable com arable sales were selected and used for this a raisal. Im rovements contribute minimal value. ,_, ,. . � , . si�evaiuecommen�s Land value from market data com� arison and current assessment re�cords.�O inion of value for the sub ect site is 688 000. The com arable land sales were not ad usted for zonin fronta e or utilitiea available. ESTIMATED REPRODUCTION OR REPLACEMENT COST NEW OPINION OF SITE VALUE........................................= S 688 OOO . Source of cost data Dwellin S .Ft. 5 ............= S 0 ,' ueli ralin Irom cos[service Effective date of cost data S .FL E �� = 5 0 Comments on Cost A roech ross livin area calculations de recietion etc. • Cost A roach deem ed a oor indicator of value. The cara e�car or� 0 s .Fc. b = E 0 • Estimated Remainin Economic Life - 20 ears TotalEslimateafCOSt-New = E 0 Less Ph sical Functional External De reciation = S 0 De reciated Cost of Im rovements................................ = S 0 'AS-is"ValueofSitelm rovements................................ = S INDICATED VA�UE BY COST APPROACH...................... = 5 O .. i.C' RQ ..-... :tOV�.L �; .. �, . .'.',, .�. :.�:� �., � ...'., ,;... :: , .:. EslimatedMOnthl MarketRentE 0.00 XGrossRentMul[i lier 0.00 =E 0 Indicated�Valueb IncomeA roach • Summary of Income Approach(including support tor market rent and GRM) N/A IndlceatlValu�C : S�lasCOm arlaonA roacht7OO OOO CostA roach IfC�v�lo sd S 0 Incom�A roach Ittlevefo aA t 0 The M arket Data Anal sls su orts m o inion of value for the sub ect. The Cost A roach was not deem ed an a ro rfate indicator of value and the�efore was not included herefn. The Income A roach was also deemed ina ro riate for thia � anal sis. This appraisal is made X 'es is,' subject ro completion per plans and specificalions on the basis of a hypothetical condilion Ihat the improvements have been completed, ❑subject to the following repairs or alterations on the basis of a hypothelical condition that the repairs or alterations have been completed ❑subject to the following: � The ro ert has been a raised in current condition. This is for the clienta use onl . Based on the scope of work,assum ptions,limiting conditions end appraiser's certification,my(our)opinion ofthe defined value of the real property thatia the subject ofthis report is S 700,000 as of 10/04/2013 ,which is the effective date ofthis appraisal. �cea us�a nc�sonwa�e,eoo.z�a.a�n www,acweo.com *n�s�o,m coov��em o zoos�zoto nc o vs o�oi��so c,a ms serv ces mc.,nn a��enn aeservee :�+wl P�� Page 2 of 4 (gPAR'°)General Purpose Appraisal ReOOrt OSI2010 � ,anaioo�_to o5zezaio „�,,,; y.. »,,.;, ,:�,�. , ,,,;., S.W. Barrett Real Estate & Appraisal Services 11 � �� ' Summary Residential Appraisal Report F��eNO. 13-0252 Scope of Work,Assum ptions and Lim iting Conditions Scope of work is defined in the Uniform Standards of Professional Appraisal Practice as"the type and extent otresearch and analyses in an aasignment." Inshort,soopeofworkissimply whattheappraiserdidanddidnotdoduringthecourseottheassig�ment. Itincludes,butisnot limited to: the extentto whlch the property is identified and inspected, the type and extentotdata researched, the type and extent of analyses applied to arrive at opinlona or conclusions. The scope of this appraisal and ensuing discuasion in this reportare specific to the needs of the client,other identifled intended users and to the intended use of the report. This reportwas prepared for the sole and excluaive use ofthe clientand other identified i�tended users for the identified intended use and its use by any other perties is prohibited. The apprafser fs not responsible for unauthorized use of the report. The appraiser's certiHcation appearing in this appreisat report is subjectto the tollowing conditions and to such other specific conditions as are settorth by the appraiser in the report. All extraordinary assumptions and hypothetical eonditions are stated in the report and m ight have affected the assignmentresults. 1. The appraiser assumes no responsibiliry for matlers of a legal namre attecling the properry appraised or title thereto,nor does the appreiser rentler any opinion as to the title,which is assumed to he good and marketable. The property is appraised as though under responsible ownership. 2. Any sketch in this reporl may show app�oximate dimensions and is included only�o assis[the reader in visualizing ihe property. The appraiser has made no survey of the property. 3. The appraiser is not required to give testimony or appear in court because of having made the appraisal with reference ro the properry in question,unless arrengements have been previously made thereto. 4. Neither all,nor any part ot the content of this report,copy or olher media lhereof(including conclusions as Io the pwperty value,the identity of the appraiser,professional designations, or the firm with which the appraiser is connecled),shall be used for any purposes 6y anyane but Ihe clienl and other intended users as identified in this repart,nor shall it 6e conveyed by anyane to the public lhrough advertising,public relations,news,sales,or other media,withoul the writ[en consent of the appraiser. 5. The appraiser will nol disclose Ihe contenls of Ihis appreisal report unless required hy applicable law oi as specified in Ihe Unitorm Standards of Professional Appraisal Practice. 6. Information,estimates,and opinions furnished to the appraiser,antl contained in the report,were obtained irom sources considered reliable and believed to be true and correct. However,no responsi6ility for accurecy of such items furnished lo the appraiser is assumed by Ihe appraiser. 7. The appraiser assumes ihal Ihere are no hidden or unapparent conditions of ihe property,subsoil,or structures,which would render it more ar less valuable. The appraiser assumes no responsibility for such conditions,or for engineering ar testing,which might be iequired to discover such faclors. This appraisal is not an environmental assessment of the property and should not be considered as such. 8. The appraiser specializes in ihe valuation of real properry and is not a home inspector,building contracror,strucmral engmeer,or similar experl,unless otherwise noted. The appraiser did not conduct the inlensive type of field observations of the kind intended lo seek and discover property defects. The viewing of Ihe property and any improvemenls is for purposes of developing an opinion of the defined value otthe property,given the inlended use of this assignment. Statements regarding condition are based on surface observations only. The appraiser claims no special expertise regarding issues including,but not limited to:foundation seulement,basement moisture problems,wood destraying(or other)insecls,pest infestation, radon gas,lead based paint,mold or environmental issues. Unless olherwise indicated,mechanical systems were not activated or tes[ed. This app�aisel report should not be used to disclose the condition of the property as it relates to the presence/absence at defects. The client is inviled and encoureged to employ qualified experts ro inspect and address areas of concem. If negative conditions are discovered,the opinion of vafue may be affected. Unlesa atherwise noted,the appraiser aaaumes the com ponents thatconatitute the subject property improvement(s)are fundamentally sound and in working order. Any viewing of the property by Ihe appreiser was limited lo readily o6servable a�eas. Unless otherwise noled,a[tics and crawl space areas were not accessed. The appraiser did not move fumiture,floor coverings or other ilems that may restricl ihe viewing of Ihe properry. 9. Appraisals invatving hypothetical conditions relaled la completion of new construction,repairs or alteration are based on the assumption that such completion,alleration or repairs will be competently performed. 10. Unless the intended use of this appraisal specifically includes issues of property insurance coverage,this appraisal should not be used for such purposes. Reproduclion or Replacement cost figures used in Ihe cost approach are for valuation purposes only,given ihe intended use of the assignment. The Definition of Value used in this assignment is unlikely to be consistenl with the deflnition ol lnsurable Value for property insurance coverageluse. 11. The ACI General Purpose Appraisal Report(GPAR"')is not intended for use in transactions thatrequire a Fannfe Mae 1004/Freddie Mac 70 form, alao known as the Uniform Residential Appraisal Report(URAR). Additional Comments Releted To Scope Of W ork,Assumptions and Lim iting Conditions M Proauce�using ACi saliware,20�.23a.9]Z)www.ac�web.com .!!�s lorm CopYrig�l D 20G5�201D AC.D vis�an ol I50 C'e!ms Se�vices inc.,All Ri�h�s Reserre� � Pa e3of4 �� 9 (g7AR'")General Purpose Appraisel Repotl OS/2030 � ' r,opatooa_to osassoto 1 � o-� 3`� ' Summary Residential Appraisal Report FiieNO. 13-0252 Appraiser's Certification The appraiser(s)certifies that,to the best of the appraiser's know ledge and belief: 1. The statem ents of fact contained in this reporl are true and correcL . 2. The reported analyses,opinions,and conclusions are limited only by the reported assumptions and limiting conditions and are the appraiser's personal,imparlial,and unbiased professional analyses,opinions,and conclusions. 3. Unless atherwise stated,the appraiser has no presenl or prospective interest in ihe property Ihat is the subject of this report and has no personal interest wilh respectto the parties involved. 4. The appraiser bas no bias with respect to Ihe property that is the subjecl of this report or Io the parlies involved wilh this assignment. 5. Tbe appraiser's engagement in Ihis assignmentwas not contingent upon developing or reporting predetermined resulls. 6. The appraiser's compensation for completing this assignment is not contingenl upon the development or reporfing of a predetermined value or direction in value that lavors the cause of the client,the amount of the value opinian,Ihe altainment of a stipulaled result,or Ihe occurrence of a su6sequent event direclly related ro the intended use of this appraisal. 7. The appraiser's analyses,opinions,and conclusions were developed,and Ihis report has been prepared,in conformity with the Uniform Standards of ProfessionalAppraisal Practice. 8. Unless otherwise noted,the appraiser has made a personal inspection of the properry that is Ihe subjecl ot lhis report. 9. Unless noted below,no one provided significanl real pwperty appraisal assistance to the appraiser signing this certificalion. Significant real propeny appraisal assistance provided by: Additional Certificationa: Deflnition of Value: QMarketValue QOther Value: SourceotDetinition: USPAP The most probable price in terms of money which a property should bring in competitive and open market under all conditions requisite to a fafr sale,the buyer and selie�, each acting prudently, knowledgeably and assum ing the price is not affected by undue stim ulus. ADDRESS OF THE PROPERTY APPRAISED: 55 Saringview Road Carlisle. PA 17015-9419 EFFECTIVE DATE OF THE APPRAISAL: 1 O/04/2013 APPRAISED VALUE OF THE SUBJECT PROPERTY $ 700,000 APPRAISER � SUPERVISORYAP ISER� ' - � Signature: �r--'� '�iJl1 � • e`��f Signature: Name: Stan A. Skowronek Name: Steven W. Barrett. SRA. SRPA Stale Certitication u R1001 572L State Certitication tt GA000298L or License p or license u or Olher(describe): State# State: State: PA Expiration Date of Certitication or License: 0 6/3 012 0 1 5 Expiration Date otCertification or License: 0 613 0/2 0 1 5 Da�e of Signature: 11/OS/2013 Date of Signature and Report: 11/08/201 3 Date of Property Viewing: 10I0412013 Date of Properry Viewing: 10I04/2013 Degree of properry viewing: Degree of propeny viewing: X Interior and Ex[erior QX Interior and Exteiior ❑Exlerior Only ❑Did nol personally view ❑Exteiior Only ❑Did nol personalty view �.rv�. -•.�� S.W. 68ff@�� R881 ESYeteco.z�aers�wwwa��weo�om ,n�aio,mcoov,�emmaoos�aoionc�o�so��iisociamtsa,��es.i��..nua�gmsaesa,�ee ciooucea�sm nc � � 4��a (gPAR^)General Purpose ApD�aisal Report 05/201 �s.• ccaatooa�o csaezoic a� °°� ..,^� �°^, �� °� e 8 Appraisal Services j -3 0-� 35 � - Summary USPAP ADDENDUM FileNo. 13-0252 Borrower: Doris S ZIMMERMAN Property Address: 55 Springview Road City: Carlisle County: Cum berland State: PA Zip Code: 17015-9419 Lender: Martson Law Offices Reasonable Exposure Time My opinion of a reasonable exposure time for the subject property at the market value stated in this report is: 90-180 days Additional Certifications QI have performed NO services,as an appraiser 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. �I HAVE peiformed services,as an appraiser or in another capacity,regarding the property that is the subject of this report within the three-year period immediately preceding acceptance of this assignment.Those services are described in the comments below. AdditionalComments APPRAISER: SUPERVISORY AISE�nI�� r uired): Signawre: �� W��, Signature: � Name: Stan A. Skowronek Name: Steven W. Barrett, SRA. SRPA Date Signed: ��08/2013 Date Signed: ��OS/2013 State Certification �: RL001572L State Certification #: GA000298L or State License#: or State License #: or Other(describe): State #: State: PA State: PA Expiration Date of Certification or License: 06/30/2015 Expiration Date of Certification or License: 06/30/2015 Supervisory Appraiser inspection of Subject Prop,e�rty: Effective Date of Appraisal:October 4. 2013 ❑ Did Not ❑ Exterior-only from sveet �.,J Interior and Exterior �•onviceo using qcl sotiware,eoo.z3a.e�z��xww.ec�.weo com USV0.P_12NT�511]012 I � °-� 3 5 ' FLOORPLAN SKETCH Ciient: Martson Law Offices File No.: 13-0252 PropertV Address:55 Sarinaview Road Case No � Cit : Carlisle StBte: PA Zi : 17015-9419 Living Area Living Area t � � � , � , . � � �Y ' Porctr f � Ske�c�Oy AOex MeOine"' Comments: AREIk CAICULATIONS SUMMARY LIVING AREA BREAKDOWN Cod• D�scrlptloe N�t Siz� N�t Totals Bnakdown Subtotals OLA1 fir�t rloor 1011.0 101�.0 lir�t tloos OL1►3 8�ooaA lloor 756.0 756.0 {3.0 x 18.0 736.0 Y/Y Posah 156.0 iS6.0 16.0 x 16.0 136.0 8�aoaE lloor 12.0 x 18.0 736.0 Net LIVABLE Area (rounded) 1768 3 Items (rounded) 1768 � � � �S SUBJECTPROPERTYPHOTOADDENDUM Client: Martson Law Offices File No.: 13-0252 Property Address:55 Sprinnview Road Case No Cit : Carlisle St2te: PA Zi : 17015-9419 ��",�.� . ,_.�,.- �� ?�.,. �,,�,�""�.~-...- �.� -., F R O N T V I E W O F -�---==-------" = � �.,�_� _ �"�^�.�.�� -'::. SUBJECT PROPERTY .. � � ,>#� -�—�-�� ...�--•m--� � s Appraised Date:October 4, 2013 y.�..--�.--- � .�-�'°'� Appraised Value: $700,000 �� -��--- - -_ „-�- `.�`" �� --�-- ` .�i�� `�'�h: �_.....�.--.--�-- - _ +- , «+ ,3 ,�_ �. ::.�._.-�= - � _3 ,�__ ;� �g�..� �3:: .>,�x; _ �4d. ;,s ,. .. �. . : ,: �� " � � �� , � REAR VIEW OF �,� _ SUBJECT PROPERTY '�.'"�,� �� ,` ��"s� *s_ �. �� : �' ::`.._.a---��". � ��Y��,_ , ' -�:..v-'✓,..---�'°'",...--"'" .. ..�-�'""`�...-��--°'""` - " ��, --" �� STREETSCENE � _, z fi ; :s. �si? ;. �l i � (� c� 3� Client: Martson Law Offices File No.: 13•0252 Pro ert Address:55 S rin vfew Road Case No.: Cit : Carlisle Stdte: PA ZI : 1 7 01 5-941 9 Acreage View #1 � �=� ;Yy � � � �,��;, ;_ .�.. Acreage View #2 ��S"ka "' , _` �� r �� E�� :.� � ,s=�-;,.. f� �' -�f�' '� Acreage View #3 �.; '�«_;_. ' .,k' � =�; awaucea us��y nci sonwa�e,eoo.zaa.em www.a��weo.�om ��ra oszizma � � �� 3� Cli2ftt: Martson Law Offices File No.: 13-0252 Pro ert Address:55 S rin view Road Case No.: Cit : Carlisle State: PA Zi : 17015-9419 Acreage View #4 Barn , _ '# ;�: � ;�:s Implement Shed �,'Jr . �j' -' � � .'��, �,i . ' � ,„,,t,��:-'x�'" t , ,- � .. ��.!/� ,�'`��,,,i,. l'f �� ,.. . ... . . ,i'�°`p� /� ��/�1�''� ' �.J.��' � �� — ,$ � .�� .,� ; �.4�� _ , � s� }� d % �;� 'r�`` �� - � �� j� �i � i ` � ?roduced using ACI sol�ware,BOO.lId.Bl2]www.ac�web.com �NT3 052120/3 \ � �� Client: Martson Law Offices File No.: 13-0252 Pro ert Address:55 S rin view Road Case No.: Cit : Carllsle StBte: PA Zi : 17015-9419 //` � Old Wood Shed " '_ '__' ... °r,�q°'o- d", � qp. , F� �7 � — � s u � ;,�� e ��gE� �� k �� ,d^ `h ��'1��`'�'�"" ��`:*�+j4-+' ��' ''� ,a 9� f:'� �'� ,�F p ,�a, �- t�i'� � r„ . ��g� � � ��` � � � �� .. �`Y�' ��>�.. �� ?�`�` �my � ,e'.; � � ,. �� '�, �"" �'� � '� �: ��s.�,' _ �'` ' �- � .� �.�- , �.,,, �. _, ; �,_. } °'�, � 4. , �y, ��,�i��.��y'��jl �4 F j' `�" a ��,t: +-�� f � .:k 6..J �, ;,� t fi. r� :.� ` � ' s;- 3";. ,..x=,,., Im plem ent Shed -.. �n � � � ' s =�' i 1�I� s _ � 'i j �° £�.�' S' .. ,_ . ,s , , r �= . , � •' . . . R T .� G , ,�.."i ��'� F ��' .�',�� i�y��t"q� n . '.. �"'� Ka'i � ��x�r ��'�� r j'>Y h r- ac�s� a °q* "`� �„ „y �s�z� ,x�u-s�* ��.t� � ,�� =;3.i '�'r� � �t'��•-�r ��*��.�°�S;3��' �. k;+��'�', ^ ._ .va t�`a�a%.+�-�Ka3`��'€`,€S�,'�^&��': �� ,� yab � k'x, Y�� z �� .'�,��f�.,�� Y�� a ,t � y�� .�� "# a� �'f $� -4'� '�`�e� .,...� # $Q.'�`� "'� - �' fi'�.�� .'� �.��. j�� >�.�: :r . Metal Building y „_� } . _.—_,- �:� b - �.- ,. �� >, �� ` �- , � � h , 1 �� { �� 'n�,°;P`''��.��p 3 ` � a .; ., fi�� ,3,� - ��; f � � �# � 5 � t` �'` �6�� *f��`�� 1- � f }�?"i,frv�'�', 4S�t`�� }� 's i 1 �59�. t � rf`�r r T -� �y� ' i,�1 � �. � � ,. n yr %` �r��# �;��r��$ k�s s ; � , ` �" ��r, - # �V�p��rz��x��?r�s�¢,F�a�t�"�� '.F� � . Ff,�a. ' �+P� `� �; xif]{t'L r� . . �.� �3i �', d..__. .�s � . : ,s-�, � 'a.; ��.;� 'M� � ProDUCed using ACi so�tware,800:]<.8]]]www.ac�web.com �HT.1 052i201] ��1 � 3 � Cliellt: Martson L'aw Offices File NO.: 13-0252 Pro ert Address:55 S rin view Road Case No.: Cit : Carlisle State: PA Zi : 17015-9419 .,.. � ` ; ,� y Shed . �,ya,�;�` � : ,y` k:�� y , .,�, �. Metal Buildfng � ____ � ,;� �',`*, �� °� � ,� ,,�.�, ,�' � '�.,, � x �. k ,,, • �`»,; �*``"",�.. , , , r- " /�� % �% ,�' ', �' / f ,� �. �_�.° �� K ��,i1��i / f �, ,� �� L-;- ' Shed ,.,; T�xa��Y « � '�� f � ` ��• r� ,��.��' ��.�� ; � �,�� ,� �� ,� � �,.�. � �_� � �r a , .�. >>", +� `�i�� . i''� i�, S r "._�,-.;,°'"�+.W-'"`t� � �' .tOtluCeO�s�ng ACi sol�ware,800.]34.B1]?www.aciwe�.com vNT]05112013 �� 3� Client: Martson l'aw Offices File No.: 13-0252 Pfo 2ft Addf2SS:55 S rin view Road Case No.: Cit : Carlisie State: PA Zi : 1 7 01 5-941 9 Acreage Vfew #5 .�F .� . ,, .a.• � ':�.� ,^z ��.�,��"'✓��.". Acreage View #6 � "�T�;,"�; 5 _ � .}�� .��.- .,_� E �.;xt - . 'r � { h F M4 . � Acreage View #7 #" '��;� �� ,'t' , �� , �"x� � `�" ,; . , t � t� --: .� ' � , �� E � I vroaucea us�ng nci souwere,eoo.saa.a�si www.amweb_com ��ra osztzota a � �-� 3�� . __ , COMPARABLEPROPERTYPHOTOADDENDUM Client: Martson Law Offices File NO.: 13-0252 Pro ert Address:55 S rin view Road Case No.: Cit : Carlisle State: PA Zi : 17015-9419 COMPARABLE SALE #1 17 Burgners Mill Road Carlisle, PA 17015 �;,�: Sale Date: 1 212 6/2 0 1 2 Sale Price: $ 700,000 � "k� `**' -� _ �� tt> r � �`:� .r � 4 ��,�� y.�. I n ,»� Cry 1 � �'^'..+� y� �+'«;� ' �. LL: z�� .�� d �'� �� i1 �; 1� 9� C� �S !.'�! �", g �� 3•� � �,.:� COMPARABLE SALE #2 t - ,- �,l ;.. f: ��A z�. 1167 York Road Mechanicsburg, PA 17055 Sale Date: 06119/2013 Sale Price: $ 550,000 �:�-. �` �� COMPARABLE SALE #3 a,,: �; �' _ 8 W. Hatchery Road .- .7 r= ' Newville, PA 17241 Sale Date: 01118/2013 ` Sale Price: $ 750,000 �� _ s :., . _ � ; � a � 35 • � � �� `��'� ,� �� . � , �'9 � ) T � �3 " yQ� �� " �� _ .� � 3 � N ��tF � Si � � � � O O A� ; ,�,� °p'Y r 'rha � �- d: i '�3�,�. . �a `�-`• � '�a�,�'~ �� . � � �� '� } � � � D �4<..L * t "6�� ':� d �t,^� � '� � * d = Q � a�.. °� � v� r� `z &y`; � � � � � 7 �� . "l " ''�°"_-. � �� 8 Q V� �5 5� ic' !x z'? �T i ...Y � ir.� �� tt�, u � � � � � >� � � � 4X3�' , k' 3 3 J¢ {� < �,�f�� k $" ��k..� " � �bq� V :;� (� � U.�g � � ws ' � n �� ` � �� ..tY * �� . � :; � O � eF �� "� � � rt �` o ��;,^r' � � . � � � ''+ � � r •. w �'t f�` ��` _ � � � il . :�} �,*� +" w o ; o � �� ''` �n��"�p;.. �;, ,Y�'�s� ..y+r l c'�-' � w r� .. . s. . 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'�n "` :'�+ �` � - � . ,° ` V ., -w�. � ,� -; �, �. � r s t� � � tr h 1 c �i ^� . =a" �. - _ . ?, r��%; � r � �� k � � , � �.. � �., .:'.Y � r=z� _ 3 R' � �1� :� �j� 4��. p�t s�N�E .� � � � �''f'# y (•� �� l'��'��4 �' ��: ��.�� y I*� v��£1 .. �� S r. �` r � �� r`. �i '�E £ ; •�� „E�.� � ��.. ,� ��&'^�j�;rt'x �Y � ��'.p, � F �, �3 � � '� �, �. � � � _� e�.� ,;: � � ` "�;� > � L r�►<:, � ' *� _ � ' =i�� r! ' � � ��. r _". - '�t' - _ t. , �.� } . . -� f,�3 �� r a3 � 3� �� _ rt ��; ��'``a;: x '': _ x _ � � Client� M artson Law Offices File No.: 13-0252 Property Address�55 Springview Road Case No.: Cit : Carlisle Stdte: PA Zi : 17015-9419 �-:"�".-�. 0 a � � � a � � ' ? � Penn ylvania Tplas �ie �T � srtics Road - ��Pd West HiA wM�hSt r � �' '�� Subject � 55 Springview Road Carlisle, PA 17015-9419 c��5� � S � 3 �,a flsaa�c a� � cray,,y �� .� � cmve`RO `cy1°� � Flood Information FloodMap Legend Comrtnrnity:421590-WEST PENNSBORO.TOWNSHIP OF Flppd Zp�eg Prciperty is no[irt a FEMA special flood hazard area. ��rr�� MapfVumbe►:42041CCJ208E �viapE}ste:03f16J2409 Panef:02�8E FIP5:42047 Nam wsas d tM t o0�ane 5o6�y�s nooay�era Zone:X nr..s r�ner�a by too-yrr n000k�g � �a rNra�ra ny�o�y�a nooa�ny wMn wiocay nerxa � Fbud«ay sn�i '�e�Ura�irnnramerlaa Elood Hazara Cnrtlflnaon(TFNC)na 0.GI mnke any represan[etlnns ur warreaUas�n any party cancemM�g the cantent,eccuracy or � FlDOQMOy Oh�f vMh viWMy h8LM0 compteteness olthw Flood reMrt,prcWding any wananty af inercf�antabili[y� AIMf dlfldN�f1111ME OUI pOSf(bN f1000 hlSNtlS 71n��or a partir�ia��rposa.NMtl�ar!F MC�or ACI n�r tM wllm�N thh tl�wtl repon shel�ha�re any 1ia6114y to any thra perty fa any�se or mWuse of .... ,<: Atfat rWl ffNpp�O MI O�y pWisME FIRM this flood repon. ��. � 3� ' LOCATION MAP Client: M artson Law Offices File No.: 13-0252 Pro ert Address:55 S rin view Road Case No.: Cit : Carlisle Stdte: PA Zi : 17015-9419 L n+ver �nt�iy, WalnutGrove 1UIli8t3 �{R� Fumace . Nry'�crt Rd a`t i2 Savitle ' .. . Marmsvil6e Neuv Bloomfiekl '" --, S�s), � r- fortg°b�Rd . .. . _ ., . ,�7� Duntan� Ediottsbtug Pine Grove � ,u--c� !UJ P e f2 R . V She��Va4��d ',. �vilk Malfown A p p,." a 1 a c h i a n M o u iin ��} . . � Keynone V7J Sherma�n Dak � � 71� '� _ .- �----- Ry g4�.. , . - ---� -- - . r � .-� (7r . . .. �.-. ., _.. . - .. �� . . � �" �n�� if�15�E��pflfl� .'�.+ � " 8 �,�'`�' �'iu Subject '� � ,�_>�` "O�°N"� M�erea 55 Sprin view Rd P Schlusser_ ` -" 9 � Muldl.�'se c -- ,S�'�� Carlisle,PA 17015 � �- �S� " :��#... ,f `- � ° � ' Qe��`�� Mxhs ''-` ;� — --- - - - -. _ � �_ ,•1 z �per MifKn . �-_�-�-�� Bf�tS�E, �7�, �--._p� foYmship , �'> f..11._--Ma"''$ _ - �-- •�-^�" Comparable Sale 2 Comparable Sale 3 � 8 W Hatchery Rd �`" � 1167 York Rd ille � . ° Mechanicsburg,PA 17055 ` Newville,PA 17241 �" :�/ � (12,91 miles ESE} (9.15 miles WSW) -''� �` Comparable Sale 1 � '"g� � � � �' � 17 Burgners Mill Rd '� Springs � `� �� Carlisle,PA ll015 , � .j�4 ; ��k P� -%"� (1.30 miles NE) °WntHolly �'� �e� .�� Dickiruon v�nQ aD Sp""9s Oii(sburg �.�� ;, lY�;;,, r�_�4S �: o�ap � WdIMR 'ertvr'� � � _`�� :y�'"'90tt6�Y1 - Ecfucatiai �� - � tia �� P{0� ,.,�' {233� Center _.�,:�' � Totand.. s . r� . �: �'� qp �' CkarSptio9 y` sburg f� �� .r v,a° unah,� . �� PiceGrove � � -> � �'+ — WrAxe r 94� y'. � Bermudian �° - Gardnen York Sprfngs . �� , �� Wenkmlle �' . �. � Lake Meade ;,�' ,� ¢`Y Aspers � a � � . Heidlerskw'rg T� � �t Hampton ,23J Biglervitie ts7 �'aledortia � -1 � St2te ' NlndLSVi��2 % Par�+.i :l . IIe"�'�:: �F,7`�Irr--:"]-�' .. 1 - � ��i!J I��i�_�,.� Ji:t�lJ �_?�91,,�,ti:,rpa,.;�r rvF�,�F�+��1� '�'�30�-- ,,, _ � ` , ,�_, _. . _ , � 11 miles � - Mummasburg ° i — � '. i�30J, � . � �5 0� 3 5 File No. 13-0252 ********'`Q U A L I F IC A T 10 N S ********* The following checked items are SPECIFIC SPECIAL CONDITIONS that were identified by this appraiser during the inspectfon of the subject property, the comparables sales, and their neighborhoods and locatio�s. Unless otherwise noted, the conditions that apply to the subject property or the comparable sales used DO NOT AFFECT THE MARKET VALUE OR THE FUTURE MARKETABILITY OP THE SUBJECT PROPERTY BEING APPRAISED. This is not a home inspection servtce. This is an appraisal to estimate market value. _x__1. The subject is located in a rural area and is less than 25% built-up. 2. Commercial/Industrial uses are located within the subject's neighborhood. These uses are typical of similar neighborhoods. x 3. Vacant and undeveloped land uses are located within the subject's neighborhood. These uses are typical for the area. x 4. The predominant value in the neighborhood is less than that of the market value of the subject property. This is due to the very wide range of value of properties in the area and superior quality of the subject property. ____5. The subject property is located in a F.E.M.A. Identiffed Flood Zone. Flood insurance coverage is required and suggested. 6. Dampness is noted in the basement of the subject. Standing or running water was not present on basement floor. This condition is considered typical in dwellings of this style. _x__7. The subject property is serviced by private well and/or septic systems which is common for the area. x 8. The subject is older than five(5) years. All mechanical systems Includfng the heating, electrical and plumbing systems appear upon a visual exterior inspection to be in working order. No warranties are implied in this statement. __9. Repair items were noted in the comments section of the report. These comments on repair items are for descriptive purposes only and are not required repairs. The items Iisted are cosmetic in nature. 10. The basement floor is a dirt floor. This conditlon is common and typical for the area. and does not pose a health or safety hazard. 11. The subject property does contain functional obsolescence as noted in the report. This condition Is considered typical and common for the area and this style dwelling. 12. The land value exceeds 30% of total value due to the high demand for vacant land in this neighborhood. This conditlon is conaidered com mon and typical for the neighborhood. x 13. The land value exceeds 30% of total value. This is due to the large size of the site. This condition is co�sidered to be typical and common. 14. Individual adJustments were required that exceed 1596. These adjustments were required due to lack of more similar comparables on that individual rating. All comparables used are the best available. _x_15. Total adjustments exceed 25%. This is due to the lack of comparable sales that were more similar in the subject's market area. All comparables used are the best available. x 18. One or more comparable sales are older than six(6) months. Although there are comparable properties in the subJect's area, none have sold recently; therefore, sales in excess of six(6) months have to be used. All comparables used are the best available. _x_17. One or more comparables used were fn excess of one (1) mile from the subject property. Although there are comparable properties in the immedfate area, none have sold recently. Therefore, it was necessary to use comparable sales outside of the immediate area. All comparables used are located in similar neighborhoods and within the same marketing area. All comparables used are the best available. ___18. The electrical system was not connected during inspection. 19. The water service was not connected during inspection. ___20. The heating system was shut down during inspection. ___21. Rooffng____Plum bing____Electrical____Heating____certificatfon(s) is/are suggested. ___22. Inground swimming pool____, out buildings_____are included_____,not included____according to lender's guidelines. ___23. According to lender's guidelines a maximum of____acres were considered for this valuation. Remaining acreage was given no value. �� 3� File No. 13-0252 ********* Q U A L IF IC A T IO N S ********* 24. The subject property is located on a private road. 25. Wood infestation inspectfon is suggested. x 26. Last recorded deed transfer: Date__11/28/1989___, Consideration: S___7.00________. _ 27. Proposed construction/renovation in accordance to plans and speciffcations to be completed in a workman-like manner. ___28. Seller is paying part or all of closing costs. x 29. All comparable sales are verified closed sales. x 30. There are no special conditfons or other requirements that would affect market value or future marketabitity in the Appraisai Report. 31. AM C fee was required in order to accept this appraisal request. ��l 6-F � '� File No. 13-0252 *'`******* Q U A L I F IC A T I O N S ****'`**'* Confidentiality and Security Policy We consider privacy to be fundamental to our relationship with clients. We are committed to maintaining the confidentiality, integrity and security of clients' personal information. Internal policies have been developed to protect this confidentiality, while allowing ciient needs to be served. We restrict access to personal information to authorized individuals who need to know this informatlon to comply with federal standarda to protect your nonpublic personal informatlon. We do not disclose this informatfon about you or any former consumers or customers to anyone, except as permitted by law. The law permits us to share this Information with our affiliates. The law also permits us to share this informatfon with companles that perform marketing. When we share nonpublic information referred to above, the informatlon is made available for Iimited purposes and under controlled circumstances. We require third parties to comply with our standards for securlty and confientiality. We do not permit use of consumer/customer information for any other purpose nor do we permit third parties to rent, selt, trade or otherwise release or disclose information to any other party. Education As of the date of this report, I andlor Steven W. Barrett, SRPA, SRA, ASA have com pleted the requirements under the continuing educatfon program of the Appraisal Institute and the American Society of Appraisers. � � o� 3� � � _ � � � ;�� , .,�,�� w� �. �� r�� a � F ��/��. c1�; .'{�w �!?`' • s . �, "'.�`�,e' _ ��. 1�?7 6� ,, J � - ',. � i��e:V! � !!_.� Y 1t;...J - � a> > °•;� C� ..p N i:> . � i:. + i w � ,� � O � � ,`„�'.' � Q � � o � : M �� `:� . � z„ .,, ,- � � � �-• Q �� . Q .� - ' V . �, � ,c-i ; , �+ ~ . _ . ! _ � - I •� .. � � i � � : � � ► � , �� „d� , __ ' � c _ -,,.., C� , ��H - � �F.r .� � � , � ; ��.. ,C 0 N _ CC ,. v� . _ .. , .^.'. � :� �,.. • ' ,_ • cn � �,� ; . G � � Q - _ I a Q c�j � � � � �. o �-' � � �i N': ( , • � �� ' �� ° � � �-"c� � '. V Z �° i 3 �_.� � � ; A � � � o A ��c __ � � ° o. � -.. o ?" co � _ � oO � � � a � � ' �. R j � � � � � �� 3 a W � � Q W p I a � v i fn w G, y ►�- � "' o ; .-_ H . y � � ~ . _ , o i +�+ � roQZ � �-- - , .ry` I �C -p , n.. _:o � ,�. a� 3 ,,z.. w ` � � � w O � _ o y ° � w � � H j U c� _ "' � -. h ° ; E i ='(,, . _ U � I � r ��1 � 3�� STEVEN W. BARRETT Steven W. Barrett Real Estate& Appraisal Services-Established 1976 505 South Hanover Street,Carlisle, PA 17013 Phone 717-243-6646 FAX 717-243-8627 E-Mail—Steve@,swbarrett.com PROFESSIONAL LICENSES: PA State Certified General Appraiser,GA-000298-L PA Real Estate Broker, RB-026921-A Certified PA Evaluator, AV-000034-L PROFESSIONAL DESIGNATIONS EARNED: SRPA, Senior Real Property Appraisec, 11/90 CPE,Certified Pennsylvania Evaluator, 11/88 Appraiser Institute—General Member Assessors Association of Pennsylvania SRA,Senior Residential Appraiser, 9/83 CRB,Certified Real Estate Brokerage Manager, Appraisal Institute—Residential Member 2/86, Realtors National Marketing[nstitute ASA,Accredited Senior Appraiser,Real Properly CRA,Certified Review Appraiser, Senior Member Urban, 7/90, American Society of Appraisers 4/81,National Association of Review Appraisers GAA,General Accredited Appraiser, l 1/94 Realtors Appraiser Section ASSOClAT10N MEMBERSHIPS: Appraisal Institute American Society of Appraisers Assessors Association of Pennsylvania REALTORS -National, State& Local Organizations OFFICES HELD: 2006 Board Member,Greater Harrisburg Assoc. of Realtors 1984-86 President, Chapter 70, 2003-2005 Board Member,Carlisle Board of Real[ors Society of Real Estate Appraisers 2001 President,Appraisal Institute,Cenh-al PA Chapter 1982-83 Vice President,Chapter 70, Society 1998 Chair, Appraisal Section, of Real Estate Appraisers Harrisburg Association of REALTORS 1981 Vice President,Carlisle Board of 1989-90 Vice Governor, Dish•ict 20, Society of Real Realtors Estate Appraisers 1982 President,Carlisle Board of Realtors APPRAISAL AI�ID REAL ESTATE EDUCATION: Appraisal Institute/SREA-Courses Penn State University-Courses SREA Course 101,An Introduction to Appraising Real Estate Appraising I SREA Course 102,Applied Residential Propeirty Valuation Real Estate Appraising[I SREA Course 201, Principles of Income Properry Valuatio❑ Real Estate Appraising-Right of Way SREA Course 202,Applied Income Property Valuation Real Estate Theory and Practice SREA Course 301,Special Application-Appraisal Analysis Real Estate Finance A1 Course 510,Advanced Income Capitalization Real Estate Administration& Management Residential Demonstration Report Real Estate for the Small Investor Income/Commercial Demonstration Report of Business Valuation Appraisal Institute/SREA Seminars: Online Business Practices and Ethics `04 .�� b� 35 Environmental Issues for Appraisers '13 Penn Dot Right of Way Procedure `OS Business Practice&Ethics '13 Appraisal Review&The Process of PA Appraisers Regs '13 Reviewing `07 USPAP '13 Tax Assessment Law&Tax Appeal Ethical Behavior in a Wired World '12 Process in PA `07 PA Appraiser Regulations 2011 Review of PA Appraiser's Certification Valuing Homes With New Appraisal Requirements UAD '11 Act OT Specialized Oil&Gas Valuation'11 Tax Free Like-Kind Exchanges `OS USPAP 2010-2011 Appraiser's In The Ring `OS How to Analyze&Value Income Properties '11 7 Hr. Elective Continuing Education Continuing Ed RECE45,32,722 '11 Course X &II `03 Enhanced Desk Review'i l USPAP '03, 'O5, `07 Hotel Appraising: New Techniques for Residential Construction `03 Today's Uncertain Times"09 Appraising the Oddball: Nonconforming Greening Historic Bldgs. 21S`.Century '09 &Difficult Properties Keep Yourself Safe&Legal `09 PA State Mandated Course '03 USPAP 2009 Uniform Appraisal Standards for Internet Search Strategies for R.E. Appraisers `07 for Federal Land`08 Appraising Environmentally Contaminated Properties `09 Online Business Practices&Ethics `04 Appraiser Liability '03 Appraising from Blueprints and Specifications 'O 1 Regression Analysis in Appraisal Practice 'O1 FHA Appraisal Inspection from the Ground Up '01 Narrative Appraisal Report Writing Partial Interest Valuation—Undivided `00 Technology Form—Parts 1 and 2 `99 Litigation Skilis for the Appraiser`98 Dynamics of Office Building Valuation`98 Loss Prevention `98 Uniform Residential Appraisal Report`97 Small Residential lncome Property Appraisal `97 Valuation of Leasehold Interest`97 Valuation of Leased Fee Interest `97 Underwriter's Guidelines to Real Property Appraisal Appraisal of Mixed Use Property Types `96 3 ► �� 3� Other Seminars: Veterans Administration Training 'OS Veterans Administration Training '03 Appraisal of a For-Profit-Cemetery—AAP '96 Mandatory Brokerage-Kell '00 Appraisal of an Operating Landfill-AAP '96 Agency Changes,Choices and Forms Nursing Home Valuations-AAP '95 Realtors Institute '99 Realtors National Marketing lnstitute Law and Order: USPAP and PA Course 302,Marketing Management'86 Realtors Institute '99 HUD-FHA Training Seminar Elective Brokerage-Shearer'97 Pennsylvania Appraisal Statutes Mandatory Brokerage- Shearer'97 Two to Four Family Finesse-Appraising Appraising High-Value Residential Multi-Family Properties 2005 Properties 2005 WORK EXPERIENCE: Real Estate Property Manager, 1979 Real Estate Broker, 1974 Reat Estate Appraiser, 1975 Real Estate Salesman, 1971 EXPERT WITNESS: Cumberland and Dauphin Counties Penn DOT Board of View Court of Common Pleas and Domestic Various Municipal Zoning and Master Hearings Planning Boards TYPES OF PROPERTIES APPRAISED: Residential Commercial Industrial Investment Multi-Family Mixed Use Agricultural Retail Easements Eminent Domain Right of Ways Subdivisions Feasibility Studies Cash Flow Analyses Assessment Appeals Consulting REAL ESTATE BROKERAGE: Listings,sales,leasing and consulting of all types of real estate in south-centrat PA �3 ;� � 3 5 ��t � •. . � �. • � �.Yi , ' . � w« a 7 r� Commonwealth o�Penns��van�a ,�� '�,;� t �'�� ;�� , � � t , � n�� ,� � �-`. a'." �,�� {� � Depar��eut e�'�tate�.` ,: ., ,�� =:�� :� � � - -: , 1, , . �,. -�; Bureau of Pra��R��}-:ai�d f��cupationat "�ffairs, �" _,= 'f PU Bax �8�i9 HarrisburQ PA��'�IQ5-2649 ,� . . < <�> . ' .. . . ' . . ytl¢ n £ / f� �� k�r = Certificate Type : � '� � f � Certi�c�te S��us � � __ . , - . �:�, � .,�v� ��;��,�.. �� . ` . . : . y« � u,: • �,�� Ce�tified�Residentia! Appraiser - � � � ��- - °� � �° �,w`` , ,�� ;`' Active ,�� 'x - " y .�"�,s r,r !'ti: � �'� 1 .. . ' . . . �.� °'�.A�.Y,p bi h'� i.�� . P 3 Ir►,�a��+�,e��c� at� .i�' ` '"'�� ir��'� �� . y ,��" � ��7l16/19��:� STANLEY ANTHONY SKOWRONEK Certi�cate 239 G STRE£T NuF[1b�C : ,,. 4'';°�+- x 'CARLIS{.E PA;17013 - . '; �''� ;,� �,• +�'" �� '',�,�,x �� ,� RtOQ��7�L y ; �;��►�ra�ioir��j e . p ��, �' l dY,^'r '�G,° �{ PyJYr'..4n� i+i'1 _ ,. �:�t�� '''` �yU6l30120'C�r .. �� .. . . . . .. ;:w•''� .. -,�� . :,� �:,,` � _�,� r. y., ,� ,"` . . . . . . +y��'�I y a�`` �',��a a a� '�`� i6 v . . . r� y�.., �:. ' '',r �I� i7:/'K..�f�.i � , , .'.�� $�� . .L:�. 'r. �, ' � ` r��` �� IOff'��i17'~ :-� ... ,,-� � . . ., ' . . .r'�, .��' '�Y �'��.��' � ... C ommissioner of Prol'essional and Occupanunai nifairs,_ x s ` � _ � .3 �3 �.� �� RESUME STAN A. SKOWRONEK PROFESSIONAL LICENSEE: PA Certified Residential Appraiser,RL001572L AFFILIATIONS: Real Estate Appraisal Section,Association of Realtors EXPERIENCE: 1991-Present Appraiser,Steven W.Barrett Real Estate&Appraisal Services 505 South Hanover Street,Carlisle,PA 17013 1990-1991 Realtor,Jack Gaughen Real Estate 1068 Harrisburg Pike,Carlisie,PA 17013 1985-1990 Chief Financial Officer,Helen H.Stevens Community Health Center 33 State Avenue,Carlisle,PA 17013 EDUCATION: University of Hartford,West Hartford,CT 1972 BS,Business Administration The Appraisal Institute 2005 The Professionals Guide to the Uniform Residential Report The Education Division of Don Paul Shearer,Inc. 2013 USPAP—7 Hour Update Course 2009 Preparation,Readdressing&Updates of Appraisat Report &Scope of Work Common Sense in the Appraisal Process Avoiding USPAP Viotations&State Appraiser Law Updates USPAP—7 Hour Update Course 2007 Appraisal Review& Process of Reviewing Appraisals Application&Restrictions of the Cost Approach Avoiding USPAP Violations&State Disciplinary Action; PA State Appraisers Law USPAP—7 Hour Update Course 2005 USPAP—7 Hour Update Course Avoiding USPAP Violations plus PA Appraisal Law Preparations and Updates of Appraisal Report Common Sense in the Appraisal Practice ,VlcKissock Data Svstems 2013 PA Mandated Law for Appraisers Odd Ball Appraisals Construction Details&Trends Environmental Issues for Appraisers 3� �� 3� RESUME STAN A.SKOWRONEK Page 2 2000 Factory Built Housing Introduction to Narrative Appraisal Report Writing Appraising 2-4 Family Residential Properties PA State Mandated Course Uniform Standards of Professional Appraisal Practice Greater Harrisbure Board of Realtors 1999 Introduction to Income Expert Witness& Tax Appeals USPAP&PA Regulations Understanding Depreciation Institute of Real Estate Studies 1997 Advanced Income Property Appraisal 1993 Real Estate Law and Standards& Practices 1992 Appraisal of Residential Property Narrative Writing Appraisal of Income Producing Properties McKissock Data Svstems 1994 Practical Applications of Regression Analysis Introduction to Regression Analysis � �3� n-� 3� � �; . . , � � hE.^,OR4£0-QFf1�`OF THE � ,r,�'�, ��i�:FO:c�S L:'li cn!..'.C):.:•�tiiY-PA. � Txis INDENTURE '83 H�V 10 �+n 11 3! MADE tha "�L�day oP�.bV e�1.�Py(/ , ih ths year nineteen � hundred and eighty-nine (1989) • � B E T W E E N .� J. RICHARD ZZNR3ERMAN and DoRIS S. 2INIl+IERMAN, Grantors, partiea ( oP the firat part, ' A N D � DORIS S. ZIMMERMAN,Grantee, party of the second part. � W S T N E S S E T H That the said parties oP the first part, !or and in consideration of the sum of one ($1.00) Dollar, lawful money of � the Uaited States of America, well and truly paid by the said � party of the second parC to the said parties of the lfrst part, ' at and before the sealing and delivery of thesa presents, the �;i receipt whereof is hereby acknowledged, have granted, bargained, sold, alianed, enfeoffed, released, aonveyed and � confirmed, and by these presents do grant, bargain, sell, alien, enfeoff, release, convey and confirm unto the eaid party �� of the second part, her heirs and assignc. . I ALL THOSE CERTAIN PARCELS of land sftuated in the Townahip oE West Pennsboro, County of Cumberland and Commonwealth of • i � Pennsylvania, bounded and described as follows: � j I � 800X u34 PACf 346 I " ' 4 I � � . . . .. .. . . . . . ... � ��. � , rt�-e� � � �-� 5 3 � ► , � . � � I � • ; ; PARCEL I '. (a) Beginning at an iron pin on line of i �, Cumberland Valley Railroad, thence by land now or late of Lewis F. Brymesser, North 8 degrees 5 minutes West, 98.9 perches to a point in the Mt., Rock Road= � 3 thence along said road by land of said Lewis F. 8rymesser, South 75 degrees 50 minutes West, 12 � perches to a point, thence along said road.by Land ' ' now or late of Mrs. Fleeta B. Basehore, South 73 ! � �degrees 40 minutes West 26.G perches to a point; thence by the same South 64 deqrees 40 minutes West 60 perches to a point; thence by the same, South 61 deqrees 50 minutes West, 33.4 perches to a point; thence by the same.South 51 degrees 10 minutes West, � ; � 46.3 perches to a point; thence by the same South 46 � � degrees 10 minutes West, 19.4 perches to a point; thence by land now or late of John Graha m, S o u t h 6 0 degreQS 35 minutes East, 90 perches to an iron pin on 2ine of the Cumberland valley Railroad; thence along � the line of said Railroad Company, North 69 degrees 2 minutes East., 113.6 perches to an iron pin, the place of beginning. Containing ninety-one (91) acres and seventy-lour (74) perches. (b) Beginning at an iron pin on line of the � Cumberland Valley Railroad Company, thence by land ' now or Iate of John Graham, South 60 deqrees 35 minutea East, 50.8 perches to a stone; thence by land of S. Wing Greason, Nortti 68 degrees 40 minutes •East, � 65.2 perches to a stone; Ehence by Iand now or late j of Lewis F. Brymesser, North 8 deqreas 5 minutes . West, 38.8 perches to an 3ron pin on line of the Cumberland Valley Railroad Company; thence along the line of said Company, South 69 degrees 30 mfnutes � West 106.a perches to an iron pin, the placa oE beginning. Containing twenty (20) acres and ninety- eight (98) perches. PARCEL II � BEGINNING at a post in the public road; thence by said road South seventy-six degrees West twelve and one-tenths perches to a post in said road, corner of land formerly of John H. Zimmerman, �ow of J. Richard Zimmerman and Doris s. Zimmerman, his wifet thence by said land, North seven degrees West sfxty- . 1 Qiqht and Pive-tenths perches to a post; thence by �¢ - 2 _ PAL•E 347 o�asl� � ; �� , � , � � � �3 . � � , �:; � _ . . ..._ __. _ . ... ..._._ _. __ ; , • . ', , � �? land formerly o! Mrs. Elmer Cohick and Mary HQar, now of Brown Brothers, South eiqMty-niqht and one-hal! degrees East eighty-one and six-tenths perches to a post; thence still by land of Srown Hrothers and land of Roy Cline, North eighty-two and three-fourths deqrees East eighteen and one-tenths perches to a � postl thence by land oP Carl Shenk, West Pennsboro Township school District and J. Riahard Zimmerman and Aoris S. Zimmerman, his wife, and others, crossing the railroad, South five and one-fourth degrees East � one hundred nin�ety-six perches to a post; thence by land formerly of David P. Finkenbinder, now of J. Richard Zimmerman and Doris S. Zimmerman, his wife, South seventy-two and one-half degrees West eighty- eight perches to a post; thence by 1anQ of the same and land formerly of Sue Bosler, now o! J. Richard � Zimmerman and Doris S. Zimmerman, hfs wife, crossinq the railroad, North five and one-fonrth degrees West one hundred fiPty-six and five-tenths perches to a post in the public Toad, the Place o! BEGINNING. CONTAINING about one hundred sixteen acres, from . � � which, however, must be eliminated the portion ' thereoP conveyed by William D. Greason and M. Teresa, his wife, by Deed dated the 24th day oE January, 1910, and recordad in the Otfice of the Recorder oP Deeds in and for Cumberland County in Daed Book "N", Vol. 7, Page �48, containincj about four acres, to tha � Cumberland Valley Railroad Company, leaving the area i of the tract now beinq conveyec� to be about one i hundred twelve acres. � � SUHJECT, NEVERTNEI,ESS, to easemente, conditions, � restrfctions, and rights of way oP record, visible upon the premises, or discoverab2e by aurvey. �'r, PARCEL I beiny the same as that conveyed by George R. . Zimmerman, et al, by deed dated May 21, 1960, and racorded in �� ' the Cumbsrland County Recorfler of Deeda Oflice in Deed Book V, I Volume 19, Page SZ3, et sey., qranted and conveyed unto ' Grantors harein. : � � � I - 3 - � 600K�3� r�cE 3q8 I � _ _ _ _ _..__.__. � � � � �3 a-� `� 3 ► �`; � . �� ; � . � PARCEL II being the same as that conveyed by The Estate of ! J. Wilson Stine, by the executoY's deed dated May 7, 19G5, as recorded in the oPfice aforesaid in Deed Book "O", Volume 2i, � Page 826 et �,, unto Grantors herein. TOGETHER with all and sfngular the tenemeata, � � � � hereditaments and appurtenances to the same belonqing, or in � , anywise appertaining, and the reversion and reversions, remainder and remainders, rents, issues and profits thereof; ; ' � AND ALSO all the estaLe, title, interesC ! I , property, claim and demand whatsoever, both in law and equity, of the said part of the first part, of, in, to or out of the said premises, and � . every part and parcel thereof, TO HAVE AND TO HOLD the said premises, with all and i singu2ar the appurtenances, unto the said party of the second � part, her heira and assi ns to and for the onl g ' y proper use and ' behoof of said party of the second part, heirs and assiqns � ja forever. ; 1►ND the said parties of the first part, for themselve$, . their heirs, executors, and administrators, do by these � s Presents, covenant, qrant and agree to and with the said party oY the second part, and her heirs and assiqns, that they, the ' said parties of the first part end their hefrs, nll and � j singular the hereditaments and premises herein above described and qranted, or m¢ntioned and intended so to be, with tne { � 4 � �OOXH� PACE � Q , . � � � y o-� 53 . �: � � , � � �� appurtenances unto the said party of the eocond part, her hairs and assiqns, against the said parties of the lirst part and � their heirs, and aqainst all and avery other person or persone, ' whomsoever, lawfully claiminq or to claim the same or any part �t I thereof, by, through, from or under them or any ot them shall ti and will, by thesa presonts, WARRANT AND FOREVER DEFEND. I WITNESS WHEREOF, the �aid partiea oP the lirst part , IN s , have hereunt� t their hands and seals, the day and year firet i itten abo C►C�� - � i � . /�� ..�,...•.a....rK.- (SEAL) �3�. RICHARD i 1MERMAN � .Cd9�-�_ y ' C �'�,�,�.�.�..-,— �SEAL) DORIS S. ZZHMERMAN • i CERTIFICATE OF RESIDENCE � ; 'I, hereby certify that the precise residence of the ' grantee herein is as lollows: ' � � I Box 13 ' Plainfield, PA 170 1 �� .,,,.._. �rt ttorney or Aqe for Grantee ; � � � 1 � _ 5 _ � � �i �OOK� � PACE �3O � i . __.... � � �. . � G-� 53 . . � ,. � � L . • � COMMONWEALTH OF PENNSYLVANIA COUNTY OF�� • SS: 1 � On this, the �aa of t�.� Y ��'�,. 1989, befote me, the un d a r s ig n e d o fficer, personally appeared J. Richard � 2lmmerman and Doris S. Zimmerman )chown to me (or eatisfactorily proven) to be the � persons whose hames are subscribed to the within instrument, and acknowle8ged that they executed the same � , for the purpose therein contafned. S In WITNESS WHEREOF, I have hereunto set my hand and seal. � ,`, �,,..,...�.,�,,, O��:°`!�'''�, �-,�J`'d�'. �.�"��S►I;��v��' .. , ;fu r;•,!" ;.Y,,� .G''-. :iu��' 4�i,�I:.;.a' .. y, ...�.. � �: �-. - . My Commisston Expires: �TARW'�A� � ��'�.` � .IEllN1E E.ROW.Noquy Pubfic'�'�,�'. �l I•�`� (.i.:��•�� ki Cummiss(an Ewv+ea Jan.t9.f9A)` �''m�„n...•�� , COt➢AlONWEALTH OF PENNSyLVANIA • � �`n, COUNTY OF CUMSERLAND' • ...'',`.� SS: ... �:w:.•$:t.�,*„`•i: a: r"`. . .".",�,�,:: ��...,y;,��:/'^� �7,:��'. ��... « RECORDED in the�'oi�'i�e�goi'�.'�}iE�•i�eordin o! � .- • M 5 Deeds, Etc., in �nd !or said Countyp .�� t w 5 , ��' ?�s'c�ct�BRkfk No. �, Vol.J� Pa4e'�. WITNESS my+"ban3��c�y fi�j�ci�al• seal thfs��da � �� ti . � 198a,��;i�. ��v�;r,�y� Y of v�^s.:;�'i.,.�..�>. �� , . � Recorder of Deeds • � - 6 - 3 � 900X�.� �hCf 3$�. � (.� � �3 � , �; , � � � ._ � • •�Ir.�u n O�MI RfGOROER'S IlSf ONIY . ��+` REALTY TRANSFER TAX ~ � _ _ � co,aMOr+v,�t�uH a rer+wsnv�NU STATEMENT OF VALUE N, DE►/�RiMEM Of UEVENUE WRE1.0 Of INDIVIDUAI TAXES � ►051 OifICE 60Y lV10 P i1ARRIE�VRG,►A 1�IOSJ410 S�e Rw�n�fer InttruNiens d �nPIN�wcti��c�ion and lil��n duplitou rhA RKerd�t of DMd�r'M�Il)tM 4ull ton�idNOlien b irol�N for1A in M�dNd.(21 wMn�M d.�d i� ro w�itAout sonud�ra�ton.«by p�k,a(7�e ro.�.Ap+wn t.do��..d.A S�m.wwm ei valu.i•aa nqvtnd i!�h.ueml.r��.+M6r•�Man�o+ bo��d en:(1){o1s�1y rdo��onship m(4)p.�bGc N�{�y�ow�n�.11�uon�poc�is n«d�d,oxacA eddi�ienal.�M�tbl� . �� . . . s � r.�.. �,� ��,r":.- .�:•.. �lk�. :Y.:, - ,. .�:�+� ::.. . .. �. . • � � ta.y6o..Nrmwr. .. � Nam� Richard W. Stevenson, McNeea, Wallace d Nurick �� 717 1 232-8000 � ��y aw�. v r.N�aar..� 17108 100 P1ne Street, P.O. Box 1166 Harrieburg PA i ' . .� , . . . . Ooa al AcaP�enu el D«u�n� �-� .. . . . . GroMn�jlbuw�) Gron�alqn•ne.�q � . J. Richard an r por a Su�N A d��u .. knN MM�� j Box iah car . . �� Plainfield PA 7�81 Plainfield PA 170A1 , � . . � . � � s..«�ea... ory.Ier+n�My.►ae�pM , � � IIkM TY OK YT ! My Cumberland , • , 1.Acwet Cad�Cwwd�rwien I.odw,Cemidnetien . 7.rael CenadwWwn - + � S. � �Iq �y 6.fen Ma • • .:i �. sum�A�an Vo � .a X = . . .. . . R ' • � • la.Aww.�d Ew+pfe�Clen.�d Ib.hrcwep�d Inum�Cenw�d i =.qNCp AyPnor►ef�b�z Mlew ler Eaunpie�Clala��d ❑ Wql er Muaou aucuuien px JL NYwMQ � : .. ❑ Tromhr to Indwtral D�•dopm�M Aq�ncy. � �-, ❑ iromF�r a Ay�M er Strew►orry.(Meodi eopy e�o0��ha"P�'oir�unQ. , `j � IqrOw MWf O Te�pid Mia Jwd 5 'Q Tromtrr bN.+�n p�ncfAol end ep�m.(Anxh mpy e�op�nry Or�M�' . �� lh,d�d'welkn,ssedwene�ien a In pw el condanetioe.(AnxA �, ❑ Trombn te tM Csmn�eewwtrti,�M U�N�d Ste�a.and Uury�n�opau by p + � topy Of I�wlNion). . { . . � � ❑TromFrr from monpopor ro e he�d��e(e roertpep�M d�lault.Monpop�boek NwnMr .hY�N�"^b" ; I ❑ ComcNw dNd(Afroch eop��d 1M prbr dMd�. ❑ ElaNnery CapaaN Cemoli6e�ion,AMrp�r a Cividon.(Anad�eoPr d ankl��). � � j� - ' t r anefer �w exe yt fro _- ' � O�Mr(Piwu�RpleM a�mpNen dolm�d,N Wh�r N+an lu��d ebow.)� nn ' w f . i b M�(rn�dNn,�ed h IM MN d�y kMwblN i yed�r n ��1 law,I d�d�n M 1 Asv��aamM»d 1hb SteMnMM��^dvdlq�aenyw�Y � i` �� Ibf, b Iro�,s�rnN�nd ce 1Nn �� 1 .M. ..�. �. � c.Gt�c..�. l ��_�z_89 ' (SEE REVERSE) • , PACE 3S2 � gooK� 3� � �± �.: `� a-� � 3 ► � S.W. Barrett Real Estate 8�Appraisal Services File No. 13-0254 �i APPRAISAL OF �� a � � � � a :; ii 'i LOCATED AT: Springview Road Carlisle, PA 17015-9419 `` FOR: _ Martson Law Offices Ten East High Street ' Carlisle, PA 17013 � AS OF: October 2, 2013 �' BY: Steven W. Barrett, SRA. SRPA PA Certified General Real Estate Appraiser � �Ch. � � ��'� � � 0� � 3 S. W. Barrett Real Estate 8 Appraisal Services File No. 13-0254 �. � � 3 11/01/2013 � Martson Law Offices � Ten East High Street Carlisle, PA 17013 � File Number: 13-0254 � In accordance with your request, I have appraised the real property at: � Springview Road Carlisle, PA 1 7 01 5-941 9 The purpose of this appraisal is to develop an opinion of the market value of the subject properry, as improved. ' The property rights appraised are the fee simple interest in the site and improvements. �i In my opinion, the market value of the property as of October 2, 2013 is: ; E640,000 Six Hundred Forty Thousand Dollars � The attached report contains the description, analysis and supportive data for the conclusions, final opinion of value, descriptive photographs, limiting conditions and appropriate certifications. � Respectfully submitted, �'��`� "�� Steven W. Barrett, SRA. SRPA PA Certified General Real Estate Appraiser � t �t � � 6-� 53 S. W. Barrett Real Estate 8 Appraisal Services � LAND APPRAISAL REPORT Fi�enlo. 13-0254 The purpose of ihis summary appraisal report is ro provide the lenderlclient with an accuiate and adequately supporled opinion of the market value ot the subject property. � •�• � : ProperryAddress: Sp�ingVleW ROad ci�y:Carlisle s�are: PA zip:17015-9419 � sonower: Doris S ZIMMERMAN ownerotaubiicRecord. Zimmerman,Dori: counry: Cumberland �' �egalDescription: Deed Book34H Pa e 346 Assessor's Parcel u: 46-07-0475-050 Taz vear. 201 3 R.E.Taxes: 691.00 nleighbo�hoodName: West Pennsboro Township MapReterence: 07-0475 Census7ract: 0128.00 � SpecialAssessments: NOO@ PUD �Yes Q No HOA:E rj/A Q Pei Year � Per Month � Property Rights Appraised: Q Fee Simple Leasehold O Othei(describe) AssignmentType: �Purchese Trensaction g Refinance Transaction XQ Other(describe) LendedClient Address: � � . � I �did �did no1 analyze the contract for sale for the subjecl purchase transaaion. Explain the results of the analysis of the coniract for sale ar why the enalysis was not performed. Conract Price E: Date of Contracc Is ihe propeny seller the owner af public record? Yes No Data Source(s) Is Ihere any financial assistance(loan charges,sale concessions,gifl or down payment assistance,etc.)to be paid by any party on behall of the borrower? ❑Yes No � If Ves,report Ihe total dollar amount and describe the items ro 6e paid. 5 � "�• �• � • • Note:Race end[he racial com osition of ihe nei h6orhood are not a refsal factors. Neighborhood Characleristics One-Unit Housing Trends One•Unit Housing Present Land Use% Location Urban Suburban X Rural Pw ert Values Increasin X Stable Declinin PRICE AGE One-Unit 25 % Built-U Over 75% X 25-75% Under 25M DemandlSu I Shorta e X In Balance Over Su I E 000 rs 2-4 Unit 0 % ' Growth Ra id X Stable Slow Marketin Time Under 3 mths X 3-6 mths Over 6 mths 140 Low 0 Multi-Famil 0 % Nei nnornaod eoundaries: Sub ect is bounded on the north b Enola Road east b S rin Rd 225 Hi h 100+ commerciai 0 % south b Walnut Bottom Rd west b Centerville Rd. 160 Pred. 40 Other Vacant 75 % Good Aver. Fair Pooi Good Avei. Fair Poor ' Convenience m Em lo ment X Pro ert Com ata6ilit X Convenience to Sho in X General A earance ol Pro erlies X Convenience to Primar Education X Ade uac of PolicelFire Protection X Convenience to Recreational Facilities X Protection from Detrimenlal Conditions X Em lo mentSlabili X OverallA ealtoMarket X � n�ei h6orhoodDescii tion: The�e are no adverse factors to affect marketabtlit of the sub ect. Diverse stable em lo ment and all su ortin amenities are within eas drivin distance. MSA 3240 - MarketConditions incwdin su ortforthe above conclusions: Pro ert values currentl are stable. local m ultf•Ifst data indicates an avera e marketin time of 90-180 da s. Economic trends and lendin rates have remained favorable. Salea concesslons are occurin m ore fre uentl • however there is no known revela�ce of unusual seller financin concessions or bu downs. There are new homes under constructfon in surroundin develo ments as well as resales available in the nei hborhood. ' oimensions: See legai descriation Area: 75.82 X ncres . .sq.F�. snape: Irreaular view: O en countr Zoning Classification: R1 Zoning Description: Rural Residential Zoning Compliance: X Legal LegalNOnconforming(Grandfathered Use) No Zoning Illegal(describe) Usespermitted undercuirentzoning requiacions: See zonin ordinance fn the addenda of this re ort Highest&BestUSe: CU«8�t USB O� 811 U86 erm itted under current zonin Describeanyimprovements: NO�B Do present improvements conform to zoning? Yes No X No improvemenis If No,explain: Presentuseofsubjectsite: AgfiCUltu�8) Currentorproposedgroundrent? Yes X No IfYes,E � Topography: Level t0 ►011in Size: Le� er than norm al Drainage: App68�S edBQUat6 Corner Lot: Yes X No Underground Utilities: Yes X No Fenced: X Yes No If Yes,type: W ife Special Flood Hazerd Area Q Yes XQ No FEMA Flood Zone:X FEMA Map tt: 42041 CO208E FEMA Mep Date: 03116/2009 UTIUTIES Public Other Provider or Descri tion Ofl-Site Im rovements T e/Descri tion Public Other Electricit X SireetSurface As halt X � Ges SlreelT elln�luence TOWDShi INeut�81 wacer X To Be Well Curb/Gutter None Sanitar Sewer X TO Be Se tiC Sidewalk None Other Streetli hts None Other Alle NonB Are the utilities and oft-site improvements rypical for lhe market? X Yes No If No,describe� Are there any adveise site conditions or external factors(easements,encroachments,environmental conditions,land uses,etc.)? Yes X No If Yes,describe: Well/Se tfc are common for the area and have no adverse affect on marketablilit . There are no a arent adverse easements encroachm ents or other adverse conditions. Penns Ivania Railroad tracks bisect the sub ect ro ert east to west. si�ecommen�s: Penns Ivanfa railroad tracks bisect the sub ect site east to west. Sub'ect site is taxed under the Clean 8 Green ro ram which encoura es reservation of a ricultural land. �i Protluceo usirg AC!soltware,BDG,�34 6�2]www.eciweb.com I�ND_]0 0506201G �. Ic� � 5� S. W. Barrett Real Estate & Appraisal Services � LAND APPRAISAL REPORT Fi�eNo. 13-0254 There are 1 com arahle sites currentl otiered for sale in ihe sub ect nei hborhood ren in in rice from S 375 000 to 8 3T5 000 There are 1 com etable sites sold in ihe ast 12 mon�hs in the suh�ect nei hborhood ran in in sale rice irom S 400 000 to S 700 000 � ., . � FEATURE SUBJECT COMPARABLESALEN0.1 • COMPARABLESALEN0.2 COMPARABLESALEN0.3 � Address Springview Road Alexander Spring Road Enola Road M ount Rock Road cit isuzi Carlisle Carlisle 08•09-0525-060 Newville 43-05-0417-093 Newville 46-08-0591-001.-EX Proximit to Sub ect 2.34 m iles E 5.66 m iles N 2.45 m iles S Data source s Ins ection Courthouse Records Courthouse Records Courthouse Records Verification Source s CoU�thOUSe CPM LS Sele Prite S S T00 000 8 418 000 S 475 000 PricelAcre S 0.00 5 7 643.59 5 7 799.96 S 7 530.12 DateofSale MO/DAIYR N/A 03/2013 03/2011 11I2010 oe sonMarke� N/A 790 Unknown Unknown Financin T e N/A Unknown Unknown Unknown concessions N/A Unknown Unknown Unknown Location Rural Rural Rural Rural � aro er� Ri htsA raised Fee Sim le fee Sim le Fee Sim le Fee Sfm le site Size Acres 75.62 91.58 53.59 63.08 view O en countr Resid/0 nCntr 0 Residl0 nCntr 0 Resid/0 nCntr 0 To o ra h Level to rollin Level to rollin Level to rollin Level to rollin Available Utilities etec well se tic elec well se tic elec weil se tic elec well se tic � SlreetFronta e 2033' 655't +10% 764 1146't +5% 390 200't +10% 753 SlreetT e Townshi INeutral Twnsh INeutral Twnsh INeutral Twnsh /Neutral Waterinfluence None None None None Fencin Wire Unknown Unknown Unknown , Im rovements NOne NOne None NOne Zo�in R 8 R1 A +382 None +390 R1 8 R2 � NetAd ustmem Total in 8 X + - S 1 146 X � - S 780 X + - E 753 Adjusted sales price of the Net Adj. 1 5.0% NetAdj. 10.0°k Net Adj. 10.0% � Com aiable5ales inE GrossAd. 15.OMo S S 789.59 GiossAd. 10.0% E 8 579.96 GrossAd. 10.0% 5 8 283.12 The Appraiser has reseauhed the transier history ot the su6ject property for the past 3 years and the listing his�ory of the subject for the past 12 months prior to the effective dale of this appraisal. The appraiser has a�so researched Ihe transter and listing history of ihe comparable sales�or the past 12 months. � ihe appraiser's research ❑did � did no1 reveal any prioi sales or transfers of the subject property tor the three years prior to the effective date of ihe appraisal. Data Sources: The appraiser's research did did not reveal any prior sales or transfers of the comparable sales for the year prior ro�he date of sale of�he comparable sale. Deta Sources: The appraiser's research did did not reveal any prior listings of the subject properry o�comparable sales for the year prior to the effective date of the appraisal. ' Data Sou�ces: Lisling/Transter Hisrory TransfedSale(ONLY)of the Listing and Transfer history of Listing and Transfer hislory of Listing and Transter history ol Su6ject in past 36 months�. Comp 1 in past 12 months: Comp 2 in past 12 months: Comp 3 in past 12 months: (ifmorethantwo,usecomments s N/A NIA S N/A N/A S N/A N/A S N/A N/A seclion or an addendum.) $ $ $ 5 Su6�ectPro ert Is Currentl Listed For Sale? Yes X No Data Source: CPM LS Current Listing History List Da�e lisl Price Days on M arket Deta Source NIA s Su6�ectPro en hasbeenlistetlwithinihelasil2Months? Yes X No DataSOUrce: CHR/CPMLS ' 12 Month lis�ing History List Date List Piice Days on Markel Date Source E S Comments on Prior Sales�Transters and Currentand Prior�istin s: No further recent reco�ded transfe�s we�e found. � summar oftheSalesCom arisonn roacn: Sub ect is considered more able to be develo ed and com arable fronta e is ad usted at 10% ' for com a�able Nos. 1 8 3 and 5% for com arable No. 2. Com arable Nos. 2 8 3 are inferior in zonfn and ad usted at 5%. All the sates are closed transactions as of the date utflized. All com arable sales are considered e ual indicators of value and wei hed e uail In the final reconcfliation. The best available com arable sales were selected and used for this a raisal. Ad'usted ran e of value is 8 283 to B 790 Sa 8 500 er ac�e. 75.6T acres x 8 500 er acre = 642 770 Sa 640 000. Reconciliation Comments: The M arket Data Anal sis su orts the estim ated m arket value of the sub'ect. The Cost A roach and Income A roach were found to be ina ro riate for this anal sis. Greatest wei ht is a Ifed to the Market Data Anal sis. Su ortin file information substantiates the estimate. Thisa raisalismade X "asis" or sub'ecuothetollowin conditionsorins ections A �aisal is for client Onl nont�ansferable. � Bosatl on a com plete vlaual lnspectlon otthe aub�sctelte entl those Im provem ents upon sald slte,Osflnetl acope ofwork,atatem entolsasum ptlons and Ilm Iting contlltlons,antl appralser'a certlflcatlon,m y(our)opinlon of m srkatvelue,ae Oefinetl,of the reel property[het Is the subJectotthla reportle: O inlon olMarketValue:E f)4� 00� as of: �D��Z��$ which Is the date of Ins ectlon and the eflactiva tlata of thls a raisal. O�oCUCeC u5�nq RC�So�Iwdre.E.^.G.]'v<.8)21 www.eciweG.[on�. 7BQ¢2 0�4 �ANU.SO 05062C'�.( S.W. Barrett Real Estate & Appraisal Services s �. i � � �3 S. W. Barrett Real Estate 8 Appraisal Services LAND APPRAISAL REPORT FueNo. 13-0254 -.. .- . .• . Is the developedbuilder in control of lhe Homeowners'Association(HOA)? ❑Yes ❑ No . Unit type(s): ❑ Detached ❑ Attached -. Provide the lollowing infoimation for PUDs ONLY if the developer/huilder Is in conirol of ihe HOA and Ihe suhject pioperty is an attached dwelling unit. �. Legal Name ol Project: � Total number of phases: Total number ol units�, Total number of units sold: Total number of units renled: Total number of unils for sale�. Data source(s): Was the project created by the conversion of existing building(s)into a PUD? ❑Yes No If Yes,date of conversion: � Does the projectcontain any multi-dwe�ling units? ❑ Yes ❑ No Data Source: Are the units,common elements,and recreafion facilities complete? Q Yes Q No If No,describe ihe status of completion�. � Describe common elements and recreational tacilities�. • � • � � This report form is designed to report an appraisal of a parcel of land which may have some minor improvements but is not considered to be an'imp�oved site'.All improvemenls are considered � to be of relatively minor velue impacl on the overall value of the site.This report form is not designed to report on an'improved site"where signiticant value is derived from the improvements. This appraisal reporttorm may be used tor single family,multi-tamity sites and may be included within a PUD development. This appraisal report is subjectm the following scope of work,intended use,intended user,definition of marketvalue,statement of assumptions and limiting conditions and certifications. Modifications,additions,or deletions to the intended use,inlended user,definition of marketvalue,or assumptions and limiting conditions are not permitted.ihe appraiser may ezpand the � scope ot work to include any additional research or anatysis necessary 6ased on ihe commplexity of this appraisal assignment.Modifications oi deletions m the certifications aie also not permitted.However,additional certifications that do not constitute material atlerations to ihis appraisel report,such as those required by law or those related to the appraiser's continuing education or membership in an appraisal organizetion,are permitted. scoPe oF woeK: The scope ofwork for this app�aisal is detined by the compleziry otthis appraisal assignment and the reponing requirements of this appraisal reportiorm,including the following detinition ot market value,stalement of assumptions and limiting conditions and certifications.The appraiser must,at a minimum;(1)perform a complete visual inspection ot the subject , site and eny lim ited improvements,(2)inspect the neighborhood,(3)inspect each of the comparable sales irom at least the street,(4)research,verify and analyze data trom reliable public andlor private sources,and(5)reporl bis or her analysis,opinions and conclusions in this appraisal report. INTENOED USE: Th0 In�endBd use of ihe eppraisal report is for the IendeUClient lo evalua�e Ihe property that is the subjecl of this appraisal br a mor(gage finance transeclion. iNTENDED uSER: The intended user ot this report is the lendedclient identified within the appraisal repon. , OEFINITION OF MARKET VAW E: The IIIOS�pfObdblO pfiCe Whl[h 9 pfopefty ShOUId bring in a compelitive and open market under all conditions iequisite to a fair sale,the huyer and seller each acting prudently and knowledgeabty,and assuming the price is nol affected hy undue sfimulus.Implicit in lhis detinition is the consummation of a sale as of a specified date and the passing ol title from seller to buyer under conditions whereby:(1)buyer end seller are rypically motiveted;(2)hoth perties are well informed or well advised,and each acting in what Ihey consider Iheir own best interes[;(3)a reasonable time is allowed for exposu�e m the apen market;(4)paymenl Is made in terms of cash in United States dollars or in terms ot tinancial arrengements � :omparable Ihereto;and(5)Ihe price represenis ihe normal consideretion for the property sold unaflecied by special or creative financing oi sales concessions'g�anled by anyone associated with the sale.(Source:OCC,OTS,FRS,&FDIC joint regulations published June 7,1994) Adjuslments to the compara6les must be made foi special or creative concessions.No adjustmenls are necessary for those costs which are normally paid by selle�s as a result of tradition or law in a market area;these costs are readily identifiable since lhe seller pays these costs in virtually all sales transactions.Special or creative financing adjustments can be made to Ihe comparable properry by comperisons to tinancing terms oftered by a third party institutional lendei ihat is not alreatly involved in the property or transaction.Any adjustment should not be calculated on a � mechanical dolla�for do�lar cost of the tinancing or concession but the dollar amount oi any adjustment should approximate the market's reaction to the tinancing or concessions based on the appraiser's judgment. STATEMENT OF ASSUMPTIONS AND LIMITING CONDITIONS:. The ePp�a150f'S ceftl�iceti0n in�hls fBpOf11S SubjeC�f0 Ih2 f0110WI0g 055urt1(1li0nS 2nd Ilrtlllillg LOndi�1005'. 1. The appraiser will not be responsible for matters of a legal nature that affecl the subject properry being appraised or the title lo it,except for informalion lhat he or she � became awere of tluring the research involved in performing this appraisal.The appraisei assumes thal the title is good and marketable end will not render any apinions about the tiUe 2. The appraisei has examined Ihe available flood maps that are provided by the Federal Emeigenry M anagemenl Agency(or other data sources)and has noted in this appreisel report whether any portion ot the subjed site is located in an identified Special Flood Hazard Area.Because the appiaiser is nol a surveyor,he or she makes no � guarantees,expiess oi implied,regarding this determmetion. 3. The appraiser will not give Iestimony or appear in court because he oi she made an appraisal of ihe propeny in question unless specific arrangements ro do so have been made befarehend,or as otherwise required by law. 4. The appreiser hes noted in this eppraisal report any adverse conditions(such as ihe presence ot hazardous wastes,toxic substances,etc.)observed during the inspection of Ihe subject properry or thal he or she beceme aware of during the reseaich involved in performing this appraisal.Unless otherwise stated in this appraisal report the appraiser has no knowledge of any hidden or unappaient physical deficiencies or adverse condilions of the subject properry(such as,but not limited to, � needed repairs,deteriora�ion,the presence of hazardous wastes,taxic substances,adverse environmental conditions,etc.)thal would make the property less valuable, and has assumed that there aie no such conditions and makes no guaiantees or warranties express or implied.The appreiser will not be responsible for any such conditions Ihat do exist or for the engineering or testing that might be required to discover whether such condition exist.Because the appraiser is not an expert in the field ot environmental hazerds,this appraisal m ust not be considered as an environmental assessment of the pioperty. � APPRAISER'S CERTIFICATION: The Appraiser ce�lifies and agrees ihal' 1. I have,at a minimum,developed and reponed this appraisel in accordance wilh the scope ot work requhements stated in this appreisal report. 2. I performed a compiete visual inspection of the subjecl site and any limited improvements.I have reported the intormation in factual and specific terms.I identified and reported the deficiencies of Ihe subject slte that could affect the utility of the site and its usefulness as a building lot(s). 3. I performed ihis appraisal in accordance with the requirements of ihe Uniform Standaids of Professional Appraisal Practice ihal were adopted and promulgated by the Appraisal Standards Board of the Appreisal Foundation and thatwere in place al ihe lime this appreisal report was prepered. ��.j 4. I developed my opinion ol the market value ot the real properry that is the su6ject oi this report based on the sales companson approach to value.I have adequate comparable market dala ro develop a reliable sales comparison approach for this appraisal assignment I further certify that I consldered the cost and income approaches to value 6ut did not develop them unless indicated elsewhere wihtin ihis repon as there are no or very limited improvements and these approaches to vaiue are no1 � deemed necessary for cretlible result andlor relia6le indicamrs of va�ue for this appraisal assignment. 3 5. I researched,verified,anatyzed,and reported on any current agreement for sale for the subject p�operty,any offering tor sale of ihe subjectpraperry in the twelve months prior to the effective date of this appraisal,and the prioi sales of ihe subject property for a minim um of three years prior to the efiective date of this epp�aisal,unless otherwise indicated in ihis repon. 6. I researched,verified,analyzed,and reported on ihe prior sales of the comparable sales tor a minimum o�one year prior�o Ihe dae ot the sale of the compara6le sale, unless otherwise indicated in ihis reporL 7. I selected and used comparable sales that are locationally,physically,and funcuonalty ihe most similar to Ihe su6ject properry, 8. I have not used compareble sales that were the result of combining multiple iransactions into reported sales 9. I have reponed adjustments to the comparable sales that reflec�the markeYs reaction m the differences between ihe subjecl property and the compareble seles. S0. I have verified,from a disinterested source,all information in ihis report thatwas provided by parties who have a financial interest in ihe sale or financing of the subject properly. 11. I have knawledge and experience m appraising this type of property in�his m arket area. 12. I am aware of,and have access to,the necessary and appropnate public end privale data sources,such as multiple listmg services,lax assessmen�rerords,public land records and other such data sources for[he area in which the properry is locared. �ruauced us�ng Aci soliwara,eao.F3n.e)z]www aciwea.cor� D8Q¢3014 .AND_10050fi��t� � � � 0� 5 � S. W. Barrett Real Estate & Appraisal Services LAND APPRAISAL REPORT Fi�eNO. 13-0254 • . • . • 13. I obtained the information,estimeates,and opinions furnished by other panies and expressed in[his appraisal reportfrom reliable sources that I believed to be t�ue and correct. 14. I have taken in�o consideretion the�actors that have an impact on value wi[h respect ro Ihe subject neighborhood,subject property,and the proximity o(the subject property to adverse influences in�he development of my opinion oi market value.I have noted in this appreisal report any adverse conditions(such as,but not limited to,needed repairs,deterioration,Ihe presence of hazardous wastes,toxic substances,adverse environmental conditions,etcJ observed during the inspection of ihe subject property or thal I became aware ot during the research involved in performing this appraisal.I have considered lhese adverse conditions in my analysis of the �� properry value,and have reported on the effect of�he conditions on the value and marketability of ihe subjec�property. 15. 1 have not knowingly withheld any significant information from Ihis appraisal iepon and,m the hest of my knowledge,all starements and informetion In ihis appraisal � reporl are true and correct. 16. I stated in this appraisal report my own personal,unbiesed,and professionel anarysis,opinions,and conclusions,which are subjecl onty to the assumptions and limiting conditions in Ihis appiaisal ieporL 17. I have no presen�or prospective interest in the properry that is Ihe subject ot ihis report,and I have no present oi prospective personal interest or bias with iespect lo Ihe participants in the tiansaction.I did no1 base,either partia�ly or com pletely,my anatysis and/or opinion of market value in this appreisal report on the rece,color,religion, sex,age,marital status,handicap,familial slatus,or national origm oi either ihe prospective owners or occupanis o�the subject properry or of Ihe present owners oi occupants of the properties in ihe viciniry of the subject p�openy o�on any o[her basis prohibited by law. � 18. My employment andlor compensation tor peiforming this appraisal or any future or anticipated appraisals was not condilioned on any agreement or understanding, ; written or otherwise,thal I would ieport(or present analysis supporting)a predelermined specitic value,a predetermined minimum value,a range or direction m value, a vaiue that favors the cause of any parry,or the attainment of a specific resu11 or occunence of a specific subsequent event(such as approval of a pending mortgage loan application. 19. I personally prepaied all conclusions and opinions about the real estate that were set forih in this appiaisal reporL If 1 relied on significant real properry appraisal � assistance irom any individuals in the pertormance of this appraisal or the preparation of this appraisal report,I have named such individual(s)and disclosed the specilic lasks performed in this appraisal repon.I certify Ihat any individual so named is qualified to pertorm the tasks.I have not authorized anyone to make a change to any item in this appraisal report;therelore,any change made ro[his appreisal is unauthorized and I will take no responsibiliry for it. 20. I identified the lenderlclienl in this appraisal report who is ihe individual,organization,or agent for the orgenization that ordered and will received ihis appraisal report. 21. The lendedclient may disclose or distribute this appraisal report to:the borrower,anothe�lender at the request of the borrower,the morlgagee or its successors and � assigns;mortgage insurers;govemment sponsored enle�prises;other secondary market panicipants:date collection or reporting services;professional appraisal organizations;any department,agency,or instrumentaliry of the United States;and any s[ate,the Dislrict o1 Columbia,or other iurisdic[ions;without having to obtain ihe appraiser's or supervisory appraiser's(if applicable)consenL Such consent musl be obtained before this appraisal ieport may be disclosed or distributed to any other party(including,but not fimiled to,the public through advertising,pubtic relations,news,sales,or othe�media). � 22. I am aware that any disclosure oi disiri6ution ot this appraisal report by me o�the lendedclient may be subject to certain laws and regulations.Furlher,I am also subject m the provisions of the Unitorm Standards of Professional Appiaisal Practice that pertain to disclosure or distribution by me. 23. The borrowe�,another lendei at the request of the borrower,Ihe mortgagee or its successors and assigns,mongage insurers,governmen�sponsored enterprises,and other secondary market participants may�ety on this eppraisal report as pan of any mortgage finance lransacuon that involves any one or more of these parties. 24. If this appraisal reporlwas transmined as an'elecironic record'containing my"electronic signaWre",as those terms are defined in applicable federal andlor stale laws � (excluding audio and video recordings),or a facsimile transmission of this appraisal report containing a copy or representation of my signaWre,the appraisal report shall 6e as ef(ective,enforceable and valid as if a paper version of this appraisal ieport were delivered containing my original hand written signature. 25. Any intentional or negligent misrepresentation(s)contained in this appraisal report may resull in civil liability andlor criminal penalties including,bu1 not limited to,fine or imprisonment or both undei the provisions otTitle 18,United States Code,Section 1001,et seq.,or similar state laws. � SUPERVISORY APPRAISER'S CERTIFICATION: Th¢SUpBfViSafy Appfei52f cBltiliBS elld agfe2S�ha�: � ' 1. I directly supervised the appraiser for this appraisal assignment,have read the appraisal report,and agree with ihe appraiser's analysis,opinions,slatements, conclusions,and the appraiser's certification. 2. I accept full responsibility for the contents of this appraisal report including,6ut not limited to,the appraiser's analysis,opinions,stetements,conclusions,and the appaiser's certification. � 3. The appraiser identified in ihis appraisal report is eithei a sub-coniractor or an em ployee of the supervisory appraiser(or the appraisal firm),is qualified to perform this eppraisal,and is ecceptable to perform this appraisal under ihe applicable state law. 4. This appraisal report complies with the Unitorm Standards of Professional Appraisal Practice that were adopted and promulgated hy the Appraisal Standards Board ot The Appraisal Foundation and that were in place at the time this appraisal reporiwas prepaied. 5. If this appreisal reportwas transmitted as an'electronic record"containing my"eleclronic signaWre',as those terms are defined in applicable tederal andlor state laws � (excluding audio and video recordings),or a facsimile vansmission oi this appraisal report containing a copy or representation of my signamre,the appraisal report shall 6e as effective,enforceab�e and valid as if a paper version of this appraisal report were delivered containing my original hand written signature. APPRAISER SUPERVISORV APPRAISER(ONLV IF REQUIRED) � Signewre �`� � � Signemre Name Steven W. Barr9tt. SRA. SRPA Name CompanyName S W Barrett Real Estate & Appraisal Svcs CompanyName � CompenyAddress 505 South Hanover $tf88Y, CompenyAddress Carlisie PA 17013 Tetephone Number 717-243-6646 Telephone Number EmailAdtlress steve�swbarrett com EmailAddress � Dele ofSignature and Report 1 7 101/2 01 3 Dale o�SignaWre Etfective Date of Appraisa� 1 010 2/2 0 1 3 State cer�itication u Sta�e Certification x G A000298L or State License t+ or State License# State or O�her(describe) State a Expiralion Date of Certitication or License � state PA Expiration Date of Certification or License Ofil30/201 5 SUBJECT PROPERTV PA Certified General Reai Estate Appraiser ❑Did notinspectsubjec�property ADDRESS OF PROPER7Y APPRAISED ❑Did inspect exlerior of subjecl property from street Spfingvi8w ROad Dateofinspection y Carlisle PA 1 7 01 5-941 9 '� APPRAISED VALUE OF SU67ECT PROPERTY S 640,000 LENDERICLIENT COMPARABLE SALES Name ❑Did not inspecl exleiior of comparable sales from slreet Company Name M BftSOf1 Law OffICeS ❑Did inspectexterior of comparable sales irom streel � CompanyAddress Ten East High Street DaleollnspecUOn Carlisle PA 17013 Email Address v�oa�oea�s��y aci sonwb�e,eoo.zae.arn www.ac�weu.00m Paqe 4 0l 4 �_nND_1G o5ofi]o',C S.W. Barrett Real Estate 8 Appraisal Services � ( �3 0�� 5 3 �; File No. 13-0254 USPAPADDENDUM � Borrower: Doris S ZIMMERMAN Property Address: S rin view Road Ciry: Carlisle County: Cumberland State: PA Zip Code: 17015-9419 Lender: M artson Law Offices � Reasonable Exposure Time My opinion of a reasonable exposure time for the subject property at the market value stated in this report is: 90-180 � � � Additional Certifications � QI have performed NO services,as an appraiser 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. QI HAVE performed services,as an appraiser or in another capaciry,regarding the property that is the subject of this report within the three•year � period immediately preceding acceptance of this assignment.Those services are described in the commenis below. � � � � AdditionalComments � � � � APPRAISER: _`�� SUPERVISORY APPRAISER(only ifrequired): � � Signawre: Signature: � Name: Steven W. Barrett SRA. SRPA Name: Date Signed: ��I01/2013 Date Signed: State Certification #: GA000298L State Certification #: or State License #: or State License#: or Other(describe): State #: 5tate: pq Expiration Date of Certification or License: ' Expfeation Date of Certification or License� 06/30/2015 ,S�upervisory Appraiser inspection ot 5ubject Property: Effective Date of Appraisal: �0/02/2013 U Did Not ❑ Exterior-only from street ❑ Interior and Exterior Prptlucetl us�nA ACl snllware,flOC.334.et1�www.aciwe�.tom USPAP_12Ni 051120I1 � j � �-F 53 ' File No. 13-0254 , ********* Q U A L IF IC A T 10 N S *****"'**" ' The following checked items are SPECIFIC SPECIAL CONDITIONS that were identified by this apprafser during the inspection of the subject property, the com parables sates, and their neighborhoods and Iocations. Unless otherwise noted, the conditions that apply to the subject property or the comparable sales used DO NOT AFFECT THE MARKET , VALUE OR THE FUTURE MARKETABILITY OF THE SUBJECT PROPERTY BEING APPRAISED. This is not a home inspection service. This is an appraisal to estimate market vaiue. __x_1. The subject is located in a rural area and is less than 25% built-up. � ____2. Commercial/lndustrial uses are located within the subject's neighborhood. These uses are typical of similar neighborhoods. x 3. Vacant and undeveloped land uses are located within the subjecYs neighborhood. These uses are typical for the area. x 4. The predominant value in the neighborhood is less than that of the market value of the subject property. This is due to the very wfde range of value of properties in the area and superior quality of the subject property. � ____5. The subject property is located io a F.E.M.A. Identified Flood Zone. Flood insurance coverage is required and suggested. � ____6. Dampness is noted in the basement of the subJect. Standing or running water was not present on basement floor. This condition is considered typical in dwellings of this style. ____7. The subject property is serviced by private well and/or septic systems which is common for the area. � ____8. The subject is older than five(5) years. All mechanical systems including the heating, electrical and plumbing �� systems appear upon a visual exterior inspection to be in working order. No warranties are implied in this statement. __9. Repafr ftems were noted in the comments section of the report. These comments on repair items are for � descriptive purposes only and are not required repairs. The items listed are cosmetic in nature. 10. The basement floor is a dirt floor. This condition is com m on and typical for the area. and does not pose a health or safety hazard. 11. The subject property does contain functional obsolescence as noted in the report. This condition is considered typical and com mon for the area and this style dwelling. 12. The land value exceeds 30% of total value due to the high dem and for vacant land in this neighborhood. This condition is considered common and typical for the neighborhood. 13. The land value exceeds 30% of total value. This is due to the large size of the site. This condition is considered to be typical and common. � ___14. Individual adJustments were required that exceed 15%. These adJustments were required due to lack of more similar comparables on that individual rating. All comparables used are the best available. 15. Total adjustments exceed 25%. This is due to the lack of comparable sales thatwere more similar in the � subJect's market area. All comparables used are the best available. x 16. One or more comparable sales are oider than six(6) months. Although there are comparable propertles in the subJect's area, none have sold recently; therefore, sales in excess of six(6) months have to be used. All comparables � used are the beat available. _x_17. One or more comparables used were in excess of one (1) mile from the subject property. Although there are comparable properties in the immediate area, none have sold recently. Therefore, it was necessary to use comparable sales outsfde of the immediate area. All comparables used are located in similar neighborhoods and within the same marketing area. All comparables used are the best available. � ___18. The electrical system was not connected during inspection. ___19. The water service was not connected during inspection. � ___20. The heating system was shut down during inspection. ___21. Roofing____Plumbing____Electrical____Heating____certification(s) is/are suggested. � ___22. Inground swimming pool____, out buildings_____are included_____,not included____according to lender's guidelines. 23. According to lender's guidelines a maximum of____acres were considered for this valuation. Remaining � acreage was given no value. � ��' o-F �3 .j File No. 13-0254 ********* Q U A L I F IC A T 10 N S ********" � ___24. The subject property is located on a private road. � ___25. Wood infestation inspection is suggested. x 26. Last recorded deed transfer: Date_11/02/1989____, Consideration: 51.00___________• 27. Proposed constructionlrenovation in accordance to plans and specifications to be completed in a workman-like �; manner. ___28. Seller is paying part or all of closing costs. _x_29. All comparable sales are verified closed sales. x 30. There are no special conditions or other requirements that would affect market value or future marketabflity in the Appraisal Report. � ___31. AM C fee was required in order to accept this appraisal request. � � � � , � � � � , t 'i � � �� 3 File No. 13-0254 ********* Q U A L IF IC A T 10 N 5 ********* �' Confidentiality and Security Policy We consider privacy to be fundamental to our relationship with clients. We are committed to maintaining the confidentiaifty, Integrity and security of clients'personal information. Internal policies have been developed to protect this conftdentfality,while allowing client needs to be served. We restrict access to personal information to authorized individuals who need to know this information to comply with federal standards to p�otect your nonpublic personal information. We do not disclose this informatfon about you or � any former consumers or customers to anyone, except as permitted by taw. The law permits us to share this information with our affiliates. The law also permits us to share this information with companies that perform marketing. When we share �onpublic information referred to above, the information is made available for Ifmited purposes and under controlled circumsta�ces. We require third parties to com ply with our standards for security and confientialfty. We do not permit use of consumerlcustomer information for any other purpose nor do we permit third partfes to rent, sell, trade or otherwise release or disclose information to any other party. S i Education As of the date of this report, I and/or Steven W. Barrett, SRPA, SRA, ASA have completed the requirements under the continuing education program of the Appraisal Institute and the American Society of Appraisers. f � � � � � � � �, , � � j � a-� �3 SUBJECTPROPERTYPHOTOADDENDUM "iBorrower. Doris S ZIMMERMAN File No.: 13-0254 �Pro ert Address:s rtn view Road Case No.: CitV Carlisle State PA Zio: 17015•9419 Lender: Martson Law Offices FRONT VIEW OF SUBJECT PROPERTY � Appraised Date:October 2, 2013 Appraised Val�e:$605,000 j REAR VIEW OF SUBJECT PROPERTY �.�. r �4I A�, .�. ls�;-. 4 I � ' #, � ��' �•. ,� �j' ` � � STREET SCENE _ 1''�, � . . ',,. . �„ ' �` a � � ..a ;5s,:. .�-"�� Y �� o� 5 3 �:Borrower. Doris S ZIMMERMAN File No.: 13-0254 ;Properry Address Sarfn9view Road Case No Ci�� Carlisle State: PA Zip: 17015-9419 Lender: M artson Law Offices ''a Acreage View #1 y �:> Street (opposite view) � � i . i , a ; ProauceC usin0 4C'�sofiwere.500.13e_8>2)www.aciwec.cnm oNi3 06212015 � �j 0-� � 3 �: . �.; ' , .. . � � y � RECOR^f�-Oft1C�OF THE � n,r ��; �•i;:F �r"c�S CL'::i,cn!.',1;� .:'�t7iY-PA. � Txis ixflExTVx� 'C3 H0V 20 kn 11 3! �� MAD£ the Z�day of�.bUP�gt/ , in the year nineteen hundred and eighty-nine (1989) � B E T W E E N � J. RICHARD 2II�II�lERMAN and DORis S. ZIPIl+SEItMAN, Grantors, parties I of the first part, � A N D DORIS 8. ZIMMERMAN,Grantee, party of the aecond part. � W S T N E S S E T H That the said parties of the first part, !or and in consideration o! the sum of one ($1.00) Dollar, lawful money of � the United States of America, well and truly paid by the said � party of the second part to Che said parties of the ffrst part, �i � at and before the sealing and delivery of t.hese presents, the receipt whereof is hereby acknowledged, have granted, barqained, sold, aliened, enfeoffed, released, oonveyad and confirmed, and by these presents do grant, bargain, sell, alien, �nfeoff, release, convey and confirm unto the said party � of the second part, her heirs and assignc. . I ALL THOSE CERTAIN PARCELS of land situated in the Township of West Pennsboro, County of Cumberland and Commonwealth of • I Pennsylvania, bounded and described as follows: � j I �� ! ' 000x 34 PACf 3�6 I � :, � � : , .._.__ _._. _..�_. . ._. - — _ .. __.. r - � � �: � �b c� 5 3 , � � ' � � � � � � ; ; PARCEL I i � • (a) Beginning at an iron pin on line of i � Cumberland valley Railroad, thence by land now or late of Lewis F. Brymesser, North 8 degrees 5 minutes � West, 98.9 perches to a point in the Mt.. Rock Roadi � 3 thence along said road by land of said Lewis F. Brymesser, South 75 degrees 50 minutes West, 12 � perches to a point, thence alonq said road by Land ' ' now or late of Mrs. Fleeta B. Basehore, South 73 ! I •degrees 40 minutes West 26.4 perches to a point; thence by the same South 64 deqrees 40 minutes West 60 perches to a point; thence by the same, South 61 degrees 50 minutes West, 33.4 perches to a point; thQnce by the same south 51 degrees lo minutas West, � � 46.3 perches to a poirit; thence bq the same South 46 i • degraes 10 minutes west, 19.4 perches to a point; thence by land now or. late of John Graham, South 60 degrees 35 minutes East, 90 perches to an iron pin on 2ine of the Cumb¢rland Valley Railroad; thence along the line of said Rallroad Company, North 69 degrees 2 minutes East, 113.6 perches to an iron pin, the place ; of beginninq. Containing ninety-one (91) acres and seventy-four (74) perches. ��;;; (bj Beginning at an iron pin on line of the �f � Cumberland Valley Railroad Company, thence by land � now or late of John Graham, South 60 degrees 35 minutes East, 50.8 perches to a stone; thence by land oP S. Wing Greason, Nortfi 68 degrees 40 minutes �£ast, • 65.2 perches to a stone; fhence by land now or late , of Lewis F. Brymesser, North 8 degreas 5 minutes . West, 38.8 perches to an iron pin on line of the Cumberland Valley Railroad Company; thence along the line of said Company, South 69 degrees 30 mfnutes West 306.4 perches to an iron pin, the placa of beginninq. Containing twenty (20) acres and ninety- � eight (98) perches. PARCEL ZI � BEGINNING at a post in the public road; thence . � by said road South seventy-six degrees West twelve and one-tenths perches to a post in said road, corner of land formerly of John H. Zimmerman, now of J. Richard Zimmerman and Doris S. Zimmerman, his wffe; thence by said land, North seven deqrees West sixty- . aiqht and five-tenths perches to a post; thence by , - 2 - �p�� PAGE 34? `� • � � � , � � � � 53 . � �; . , � , _ . . _.. . _ ... . . .___ _ _ � � � land tormerly ot Mrs. Eimer Cohick and Mary esar, now of Brown Srothers, Sovth eighty-aight and one-hal! degrees East eighty-one and six-tenths perches to a post; thence stfll by land of Srown Brothers and land of Roy Cline, North eighty-two and three-fourths degrees East eighteen and one-tenths perches to a � postt thence by land of Carl Shenk, West Pennsboro Township School District and J. Richard Zimmerman and Doria S. Zimmerman, his wife, and others, crossing the railroad, South five and one-fourth degrees East one hundred ninety-six perches to a post; thence by � land formerly of David P. Finkenbinder, now of J. Richard Zimmerman and Doris S. Zimmerman, his wife, South �eventy-two and one-half degrees West eighty- eight perches to a post; thence by �,and of the same and land Pormerly of Sue Bosler, now of J. Richard � Zimmerman and Doris S. zimmerman, his wife, crossing the railroad, North five and one-fourth degrees West one hundred fiPty-six and five-tenths perches to a post in the public road, the Place of BEGINNING. CONTAINING about one hundred sixteen acres, from � � which, however, must be eliminated the portion thereoP conveyed by William D. Graason and M. Teresa, his wife, by Deed dated the 24th day of January, 1910, and recorded in the OPfice of the Recorder of � Deeds in and for Cumberland County in Deed Book "N", Vol. 7, Page 348, containincj about four acres, to the Cumberland Valley Railroad Company, leaving the area i of the tract now beinq conveyec� to be about one i hundred twelve acres. j � SUHJECT, NEVERTHELESS, to easements, conditions, restrictions, and Yighta of way of record, visible upon tha premises, or discoverable by survey. � PARCEL I beiny the same as that conveyed by Georqe R. . Zimmerman, et al, by deed dated May 21, 1960, and racorded in ' the Cumbsrland County Recorder of Oeedn Oflice in Deed Book V, � I Volume 19, Page SZ3, et s�., qranted and conveyed unto � Grantors herein. i i I 1 I - 3 - � 600x�f 34 rAC� 3q8 � f � : _ _ _ _._ _.._. � � �:. . � � 6-� �3 , � i � � . , � � � � PARCEL II befng the same as that conveyed by The Estate of � J. Wilson Stine, by the executor's deed dated May 7, 19G5, as recorded in the Office aforesaid in Deed Book "O", Volume 21, Page 826 et s�., unto Grantors harein. TOGETHER with all ahd singular tile tenements, � � hereditaments and appurtenances to the same belonging, or in � , anywise appertaining, and the reversion and reversions, ii remainder and remainders, rents, issues and profits thereofr ' � � aND ALSO all the estate, title, interest, property, claim and � I demand whatsoever, both in law and equity, of the said part op the first part, of, in, to or out of the sai8 premises, and ' q � every part and parcel thereoP. ' TO HAVE ANp TO HOLD the said premises, with all and eingu2ar the appurtenances, unto the said party of the second � part, her heirs and assigns, to and for the only proper use and ' bahoof of said party oP the second part, heirs and assfgns � forever. ; AND the said parties of the first part, for themselves, • their heirs, executora, and administrators, do by these � � presents, covenant, qrant and agree to and raith the said party ' of the second pnrt, and her heirs nnd assiqns, that thay, the ' caid parties of tha first part and their heirs, all and • singular the hereditaments and premises herein above described and gzanted, or mantioned and intended so to be, with the + � � 4 � �OOKH� PACE 3� � � � �3 �-� � 3 � , � , � � . ` • �. • �� I � � appurtenances unto tha said party of the socond part, her heirs and assigns, ageinst the said parties of the first part and � their heirs, and aqainst all and avery other person or persons, ! whomsoever, lawfully claiming or to claim the same or any part � I thereof, by, through, from or under them or any of them Bhall 11 and will, by these presents, WARRANT AND FOREVER DEFEND. I WITNESS WHEREOF, the said partiea oP the first part , IN � have hereunt t their handa and seals, the day and year firet i itten abo �lC�� , � .•-"�ii.� ..r.r.�:-ur*+t. (SEAL) � / $ y RICHAR��ERMAN ,,� L,�.e.`_ �- • c -�•-� -.�-.�.-,-- tsEaL� � DORIS S. ZI29iERMAN • CERTIFICATE OF RBSIDENCE � , �, hereby certify that the precise residence of the �' grantee herein is as follows: ' � 1 • Box 13 • ' ' Plainfield, PA 170 1 �`x'u""_.r W ' � ttorney or Aqe tor Grantee � = I - 5 - � 8001(N � PACE �SO � � � � ' , �� -� 5 3 � . � �. � � � ` • COMMONWEALTH OF PENNSYLYANIA � • SS: COUNTY OF @�� ' � On this, the�!.-day of • �/�,u,� � � 1989, before me, the undersigned officer, personally appeared J. Richard 2lmmerman and Doris S. Zimmerman known to me (or satisPactorily � I proven) to be the pereons whose names are subscribed to the � within instrument, and acknowledged that they executed the same 3 , tor the purpose therein contained. In WITNESg WHEREOF, T have hereunto set my hand and sea2. I � ,,.,.,.. ' „��..�,� 0�i�°' '', �--�/'-�-� ,�"�.�:tA,`.y;"�j; : , »�p�r.i` �yl�:,:J 4`� .. , � •� y� :• ' �• ' • . My Commission Expires: .t��i�TA�'�� ''�'° i E.ROW,+��w,.w,o�,��; ,��`� r•z��'re: �N c«mmi:wn E o� ��`� Xfa6a Jan,19.1993�:: �'4,bry.0 .......✓'� . COMMONWEI�LTH OF PENNSYLVANIA . � � COUNTY OF ' . ,� CUMBERLAND" �,.s•,•a SS: s. , �{MV.'��1:C.•i�`..'S,� r � j: ' ��!�!,.•,..:w`,y�*�.;.,: ;)� RECORDED in ` �� ` "�'��"� � theMOf�'�fc�e�.' oi�':� F;ecordin � �` thie�•` 1; tor said '' ' �•'»r`; ; 9 oP Deeds, Etc., in and Countyf•:�'rf,:7�e c'o�'�}:�E943k:No. �. Vo1.�J� 4 '�. WITNESS ' t' :•,i.•.; ('`�;�;'r;;'�r,��:t:'. , �. Pa e mY�ana nr►�yo,��,icfal� seal thisor(� � �� . 1989i.,�v'4ir.�r,��;r;y� day of Y�r..��.....�>...� �� .��, . � Recorder oP Deeds • �� ' 6 � � 90QX�� ACE 3S1 � � � � �5 �-� 53 � � � . �' �; _._ , , . R[t0�0[R'S USf ONIY � rr.�a tr o•ri « • — � ,��'� REpLTY TRANSFER TAX co,aMOrrwe�rn,or►EkNSr�v�++i� STATEMENT OF VALUE p, DE►/JtfMEM OF REVENUE WlE11U Oi INDIVIDUAL TAXfS «« 9. o . - ►OSi OfFICF IOx l010 11ARRIS�URG.IA I�10S�6V�C SN R�v�ru for Instroe�ani fornplN�wc6��eion and fN�in duplicou WMh It�cerd�r eF Dwd�wMn(1)tM lull wmid�/atien i�nol N�for�h ie�M dNd,(2�wMn i�Td� wirhout eontiid�ra�ion,x bY D'k,a 31 o ro■�z�Wioa h do�nwd.A S�w«Mn�of Volw i�aa np�nd i}fM na*�f�r i�wlwp �+��M 6m�d en:(1)(o1ndy r�lo��onsbip m�2)public uriMy�aN�nem.11 men ipou n nNd�d,onecA edditionol�h�N(+)� a . � . , . e � y.� . �,�i �:��,i.��..:: . ��Z-. :7.�. ;�:a :... .... � ,. id�pMe�NumWr. Ne� A�e Ced�( �1� � Z32�8�0� Riehard W. Stevenson, McNeea, Wallace 6 Nurick 5�� ,� . �r ,.N�ed,.�� pp 17108 100 Pine Street, P.O. Box 1166 Hazrieburg ' ,. . � . . .� � . .. . Daa sl Acap�s.a d Donr�n� � . Gee•�w�)Il�� Grenw�l4M�•«I•I Doria Z J. Richard an A ri �,..,�d.... .• Sn�AdM.�� BOX Cpr eu M • nr eN pA �pgl Plainfield PA 170A1 Plainfield � . � . • • . ury,ler+n.AiP.►ae�ph Sr�x AdM�� . . . .. IN OK Y�I ! � i�M�q My Cumberland � �. , . • � • - � 7.fNd GnNdaawn � . 4.OAar Cen�id«etion 1.Acwel Ce�h Ce+Md.rmien = , + 6.feM Ab o • • tj S. sTen Ralb ener . l. �nfy/uNn �a � X z , • " la.Aweo.�o�E+�pKe�Clo��d ib./wc«uep�d leunn Conwy�d 1.Clwsw Aii��V�iai�b�x l�lew br Ea�etpNee Clelm�d , �IM�]�MY*M� ❑ Wp�er ini��fob autaubn� M1 �� ._ ❑ Tronthr fo Indwviol Onaop�n�M Ag�ncy. ❑ Srond�.w A9�nt er Snew►orry.(AtwcA eePr oF vi�ncy(atre.�P�P�Y�N^NnQ. � � nech ooPy e(ap�nryldrew xuK aprwnwM).Tex Mid pria dMd 5�----. i '❑ Trund�r MMNn p�ntipol ond ap�•(A •i ih,d�diwtkn,oend�na�ion a In I{w ol eendNnnerien.(A�tocA . ❑ Tron�f�n ro 1M Gommonwwleh.IM UnM�d 5/er„.end In�rr��wntalltiu bY p � eepy ol nwlutien). _' � er ro a bld�r e!e mertpep�In d�Feutt.MenaeQ�beok NwnbK ,hp�Ny�nMr i ❑Treml�r 4rem meNpep I [� Cemeiw M�d(Anech eepy d�h�Prb�dNd�. 1• ❑ Sto�urory Corpera��CemolidaiieM M�rp�r a Divldon.(AMOCh aepr e1 orlidn). • . , �OiMr�►Iwn��ploin�x�mpNen dot�d.N e�h�r tMn li�hd ebow.) nn 1 n t fe. � r x�.�.x.�,.�a�e»►.a d�r r,�.�.+r � Und�r n i��(lew.I d�d�n fh I Mw��r�mM�d fhU SreM"Nm'�"dud1�0�rO°Y f , i ' i �nd IN(� u hw�e�rMt1 end ce hl�. n ,�.` ` �M M lMN�� „/1 �`�� 1i-22-69 l.� l,��.t�l . � (SEE REYEASF) I �OOKN .3� PACE 3S2 � ', - � � . , � . � � � �� .: , aa ^ a �a 3 � � o°� �b a � � e °� . a ; °° o, v � � H o ; � cn o s � a ; N H E � � � � � � �' a � � � � .a a o ' y b N H i0 � q � a � .�! p � i � � �y E U � a �, b o �a° aoa 0 •• � C7 w w °o � ' wa i �a x � .�ia � � b �� $ a w • � o � � � �� a � �+ a � w en �n M o, b�+i 0 � � a � .�-� oo u o a z° ■ � a '� ° r' '� � ——z N ————————————————— ——————————--———'————————— � � �———————————————— � � iM ————————————————— � ——————————————————————� � N H � � � j„1 O 1!1 �O � � L� If1 � a � � N � � � � ----------------- v� �, �, .. a � �a � a � � � °a � � " , � o a oo � r " '"'� . a � � � ° � ,� � � � � a� ————————————————— $ Ha � H A � � � a � � o b b o � � � a � � � N U c!� e�+i � �i y� H 41 Z � ———— ————————————————— M� S H p � � a�, b° � a a a� a, � .�+ a aUi � � � � H � � pq � N � �i oo Er � w a� o m � ao ao o a� � r O N '"� dJ � �p N �tl A 1 � M � � � o � a � U �7 �_.---_------------ l0 N O <V N O fV tV i+ � O 10 �D O �D �0 M ° � � � � � � � � � n a�i a� � bz � " � � H b a � �a '� � a a �a � v� p �, ,, .. . �' � aAEA � AE �° � °� " o a �n a z aa � z � a� .� a u m � � �, °� � o�oHgxa � Hgzau � � � a � �� -� � 3 � � � � v � � � � � � � � py � ' .. .. .. 3 � i i � i � � . . . � � � • ,� v � o 0 0 0 � � • U fi � no 0 0 � " � � a° � � �, �, �, � « ' a� � � _ � ; " � � ma � � � � � � � � ao � ouaoaH � � o � � U m � � � r � a �iaa a � � , » � , � � � --- , � � � � � � � � � � � � a� 0000 � � uo 00 � � � � � •• � �pp � � u�1 ��n t�i1 i s i �q C�� Aa � i i � ','+ � � � � � « � �il C'i W D4 '��" 'C� Id U � i W E W a i4 O 6 i i �t','� � � ^ E � i i � � � ^ � � i —————�— ' —————— ——————————————————————————————— i � � � � � � o o O o � i � � � � � o 0 0 o a � � , � e �oe � � � � o � � — — — — — — 0 0 0 0 0 � M 1 � � 1 y1 a � a ,V � ' � � !---- '� a" � � � _� � u ii u u n n v ; : „ ,., : � 0000 0 � . o000 �► ui000 � : : : : : : � : ... ,. o, o, o� a� y u� �o �o �v � � � " � � : : : : : � > � � � v� y u ,� °° � � aaz o � w � a : : �, °� : � � � i � , o cA p �+ • • ,d a1 a7 � � � u � i u, ap � � Ey +�i V > q � � A x � � 0�4' �p9 �i0000 � � v� A a � � �+ .•a ►-� c9 m H m � � R � �o �o �c �o t� o � o � � � P° � u '� � * �a � a u° H � n � � � ° N U a� M O b w � '� �1 t7 H � � 7 � �n in u► in aa� aawau° a H � .�u � o C4 O O O E �pp o 0 0 0 � ——�—— ———————————————— � � � h o � oo �°o r"Gzz eo � �� . .. � � � � j� g � � o 0 0 0 ,.� v � o000 � � � „ . . . � . . . . . . o � ai > � m w � a � N -,� tr� 'd W � m �n �n in ui O v� � o� o a : : : � : : ac t4 a.� � � � o �n N 3 sa � �n �n �n �n o N o � i� • • m • U A • v � a� �+ �tl A i o u a u .-� • u � +.� � • u .-� A u u1 i A � � 'd a.� O b O G 0 � 0 v� e� �o � �J o � m '� aoau � � apx ,..� 000 � , o .r L1 � �S .$aav°� bw d � .. .. .. zzz 0 .� � � �+ � � ar� �+ ama "o "otna� a"a ero � �' a �.�+ u � x NNNN o N U � u ,i �.+ 1� q � � x � ro �Y+ a� ro -� C� �� a � S 'd � .-� 3� -.� � � � GL H b i� N N 7 S� .a .� ui � �o v��i � ,�°� �g ��Cva�ia�io �' -� a�i "0a�ia3iro a+ ro °�+° ort �� H v� E � wAt�7xxxHt� l� u .7FmS �Sc7x � a � o � oo N � �,; � g �-� � 3 LOCATION MAP Borrower: Doris S ZIM M ERM AN File No.: 13-0254 Pro ert Address:S rin view Road Case No.: CrtV Carlisle State' PA Zip' 17015-9419 a lender. Martson Law Offices `, _. (zss! �asoj �p�y Va4uYad _, ,;j S � Sherman! j 74 I �a c,e'� � �� , �� p0lecat Rd � aa -- oiaaiet L�,'tF _ -- enninq �.� . . . . . . Stat�� , .. .. - - ParF t � Comparable Sale 2 � ��a�;nu ! Enola Rd � CarlislE,PA 17015 (5.66 miles N) s� � - _ Enoia ed � 914, Lower f renkford iownship Csprivi ��UUe Biosserville u+ � E��Rd ;� m � Yso � � « � ShiffeF '. 'Da �4'as : �'�ky-�evk j 1 � � � . G�. dVaOla�.. r� .e. %o �t�''1' !3`4 i .US Art A.�� -�" War � ___ '- __� _._� ,,. _ _�'-=-_---_ —�New�vi4le Rd �Co!-[a•. ------- -- Rwtii _----"—" ---West Hiii �' Plafnfield ` Barrac -� Carlisie _-- � L�.� __- = �u � �t3r�a��t_�-_�- HeN"�A ?� � �¢aa �� ar'�' Compara6le Sale 1 E Subject Alexander Spring Rd =J ��`!� Springview Rd � �-� Carlisle,PA 17015 Carlisle,PA 17015 ; � �p,34 miles E) Newviile a�`J`� Sfi qp�Rd � Mt Rack Rd {n.'. j��...,. �3A�!�. pa �-- �233,, Comparable Sale 3 � Mt Rock Rd � ; Carlisle,PA 17015 �, T coyle � (2.45 miles S) y�'� — —So � (�ss' �� `�e,y � �»�' a �`"f W Old Vork pd�ckinson �eP �' Mooredale Township Q � ,±�'� �� Mount Hol,ly Springs` ,�, ,..1` Oickinson - _ �- �1 m�. � e k i_ a ra t� �ghstown �,/� Montsera P"'E'Rd �i �� . f��' ��1� _ ... _... • Pine Rd e 94! ! -- ��,;.,. y _,.. �� ,2331. .Kinn°. •1 e[; � ' .Gap . .`' �� Brushtown � '� �Inut Bottom �U�,�„ c��.� � centet . S "� N 4 � �Toiand ' � <�'` a Q`�ec _,.'�a i� :!?i:�il .. -�rtil'_ -:'�S,. 1�.��1 '�,��_:t r�uu!��i� a 5.5 miles � _ i i o -� � ��, � 5 � Borrower: Doris S ZIM M ERM AN File No.: 73-0254 Pro ert Address:S rin view Road Case No.: CitY Carlisle State PA Zip: 1_7015-9419 E Lender: Martson Law Offices :'i � .i�(�iN te�,��„ � �� I ' 7 � f d ��•,��. � �' � � � @� 4 o- v � 3 pennaY�'�Ma T ke � FQ ��' srvics Raad �4� N��4e� West Hill w��Sf f..� r $n. �.$- � ' � ! � Subject , � Springview Road ' Carlisle, PA 17015-9419 � creag� � a a � ?: � ��p,a aS� � � € � �`ayq� � � � �� '� Crova:Ra r{j�t` �� Flood Iniormation ��;;; FloodMap Legend Community:421590-WEST PENNS84R0.TOWNSHIP OF � ��Zo�, Proper,y is not in a FEhlA speaal flood hazard araa. IwsaiudMSdGy50(Fyearlbotlinp Ma�Number:42041C0?OBE Ma�Date:03116l2009 Fane1:0208E FIPS:42041 14ees ousWe ofthe 100-ana SObyeerlboqNwn Zone'X . ....'� Ar�as Yu'�Oa1�E by t00�yru nootling :� �. 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' � � � C r � O °- n°� r �-�� O �' a �.�;� � � Y, �� D � � �f n.. � � v� � 3 j; c Fc E "I v �� a � � �� S� �I � U �~ � �� 4) � AI � a � ' 6 53 �� ; Section 201 Rural Residentiai Zone (R} 201.1. Purpose-The primary purpose of thfs zone is to blend the rural character of areas where the soil fertiiiry cloes not rise to the level found in areas where agricultural preservatian has occurred,with �� large-lot residences that require on-site utifities. The permitted uses shall enhance and protect th� rural character wlthout detracting from the residential use. 201.2. Permltted Uses 1. Agriculture including one single-family detached dwetling contained on the site. This use �' shall expressly exclude: A. Concentrated animal feeding operations(CAFOs)as defined herein; and, � B. Concentrated animal operations(CAOs)as defined herein. 2. NurserylGarden Center,including saies and/or marketing(See Section 308); 3. Forestry uses,subject to the requirements of Section 323 of this Ordinance; 4. Municipal services,parks and p�aygrounds,grange halls and buildings for other � agrlculturally-related groups; 5. Churches, Church Related Education or Daycare Facilities and Cemeteries(See Section 310); �, 6. Public and private schools with a maximum lot area of two(2)acres; 7. Public utilities structures; 8. Single family detached units that existed on the effective date of th+s Ordinance, are � permitted subject to those limitations described in Section 201.12.of this Ordinance, all of which are subject to the applicable design standards listed in Section 201.10.of this Ordinance. � 9. Country estates,as defined herein; 10. Bed and breakfasts,as defined herein, subject 10 the following: A. The proposed use must be located within a detached dwelling unit that is Iocated � upon fts own parcel or upon the parcel of a farm; B. The dwelling may be enlarged, provided that all mod�cations to the external appearance of the building(except fire escapes)would not alter its residentia► � character; C. All floors above or beJow grade shafl have a permanently-affixed,direct means of escape to ground level,and working smoke detectors on each floor; D. The owner of the use,or the owner's agent, must reside immedlately adjacsnt to or within the building containing the bed and breakfast use; E. One(1)off-Street parking space shall be provided for each room available for � rent, in addition to those required for the dwelling unit. Such parking spaces shall be set back a minimum of ten feet(10')from al!property lines and screened from adjoining roads and properties; � F. A bed and breakfast may erect one(1)sign no{arger than twelve(12)square � feet in size,which must be set back ten feet(10'}from all lot lines; G. Breakfast shall be ofiered only to registered ovemight guests; H. The applicant shall furnish evidence that an approved means of sewage � disposal shall be used. If the proposed use is to be served by an on-lot sewage disposal system,the applicant must obtain a report from the West Pennsboro Township Sewage Enforcement Officer that either the existing or the proposed on-lot sewage disposal system has sufficient capaciry and is of sound condftion to adequately serve the proposed usa; so � �3 �� 53 I. The applicant shall furnish evidence that an approved means of potable wafer supply shall be used. If the proposed use is to be served by wetl water,ihe applicant must obtain a report from a qualified water testing facility that either the existing or the proposed well has sufficient capacity and is oi sound condition to adequately serve the proposed use;and, � J. The applicant shal►furnish proof of approval from the PA Department of Labor and Industry; �; 11. Rid+ng stables,as defined herein, subject to the following: �; A. The minimum lat area shall be ten(10)acres; B. Any structure used for the boarding of horses shall be set back at least fifty feet (50')from any property line; C. All stables shall be maintained so to minimize odors perceptible at the property line; �} D. The applicant shall furnish evidence of an effective means of animal waste collection and disposal which shall be continuously implemented; � E. The applicant shall furnish evidence of an effective means to dispose dead animals according to the regulatfons of thc Pannsylvania Department of Agriculture;and, � F. All parking compounds and unimproved overFlow parking areas shall be set back at least ten feet(10')from adjofning lot Ilnes. Unimproved overflow parking areas shall also provide a fence delineating such occasional pa�Cing facflities and preventing the parking and/or movement of vehicles across neighboring � properties; 12. Two-family conversion-A detached single-family dwelling that existed on the effective date oi this Ordinance,and contained(at ihat time)at least two thousand five hundred i (2,500)square feet, may be converted into two(2)dwelling units,subject to the following: .= A. The applicant shall furnish evidence that an approved system of water supply and sewage disposal will be utilized; B. No extensions or mod'rfications to the external appearance of the buildiny (except fire escapes)which would alter its residential character,shall be ; permitted; C. All floors above grade shall have direct means of escape to ground level; �� D. Four(4)off-streei parking spaces shall be provided;and, E. The applicant shall obtain any required land development approvals; 13. Communicaiion antennas that are ca-located upon existing structures(e,g., utiliry 3 transmission towers,observation towers,communication towers,silos,steeples, smokestacks,water towers,flagpoles, and othcr similar structures), provided: A. The applicant submits a capy of the written agreement with the landowner upon whose structure the antenna is to be located; k B. The applicant shall be required to demonstrate that 11 is ficensed by the Federal Communications Commission to operate the proposed use; � C. The applicant shall demonstrale that the proposed use wlll comply with the applicable standards governing human exposure to electromagnetic radiation � by the Federal Communicatfons Commission; � 51 �� 3�1 � 53 � D. The appiicant shall demonstrate that the proposed use will comply with all Federai Aviation Adrninistration, Commonwealth Bureau of Aviatfon,and applicable Airport Zoning Regulations;and, E. The applicant shall furnish a sealed statement from a registered engineer that the consVuction methods or other measures used will prevent the toppling of ' any communication tower onto adjoining properties and/or roads,and prevent the wind-borne scattering of ice onto adjoining properties and/or roads; j 14. Accessory uses customarily inc:idental to the above permitted uses, includiny,but not ° limited to, the following: A. Roadside stands for the seasonal sale of agricultural products shall be � permitted,subject to the foltowing: 1. Roadside stands shall not exceed three hundred(300)square feet of total display area; $ 2. Roadside stands must be located at least ten feet(10')from the right- of-way line and must have ai least three{3)off-street parking spaces; and, � 3. A maximum of two(2)signs will be permitted and shall not exceed tifteen(15)square feet in total area, nor exceed a maximum height oi � fifteen feet(15'). B. Family day-care facilities, as defined herein: C. Manure storage facilities, if contained upon a farm,and subject to the following � regulations: 1. The applicant shall submit written evidence from a professional engineer licensed to practice within the Commonwealth ot Pennsylvania,that the design and consWctfon of the manure storage faciliry shall be in accordance with the Pennsylvania Department of Environmental Protection's publication Manure Management Manual for Environmental Protection,and any revisions,supplements,and � replacements thereof, published by the Pennsylvania Department of Environmental Protection; 2. All manure storage facilities associated with a concentrated animal operation(as defined herein)shall require written evidence of an approval of the applicanYs nutrient management plan from the County Conservation District or the Pennsylvania Conservation Commission under Title?5,Chapter 83, Subchapter D.of the Pennsylvania Department of Environmental Protection's Nutrient Management Rules and Regulations; 3. All manure storage facilities shall be operated and maintained in accordance with the Pennsylvania Department of Environmental ' Protection's publication Manure Management Manual for Environmenial Protection, and any revisions,supplements,and � replacements thereof, published by the Pennsylvania Department oi Environmental Protection;and, 4. Any des�gn changes during construction or subsequent operation will require the obtainment of another zoning permit subject to the � applicable regulations of this Section; � 52 �: 3� � �3 �; D. Beekeeping,subject to the following: �� 1. It shail be the duty of the applicant io maintain each colony so as to not create a public nuisance; 2. Colonies shall be maintained in movable hives; � 3. Hives shall be situated to maximize sunshine exposure and/or naturai wind protection; 4. In no r.ase shall hives be located within twenty-five feet(25')of any property line; 5. All bee hives must be registered in accordance with the PA Department of Agricultural, Entomology Section;and, 6. Hives shall not be oriented to children's play areas. E. ECHO housing,as defined herein, subject to the following: � 1. The elder cottage shall be of portable construction and may not exceed nine hundred(900j square feet of floor area,or it sha�l be provided as a separate unii within a dwelling or accessory building,existing on the � effective date of this Ordinance; 2. The total building coverage for the principal dwelling,any existing accessory stnactures and the elder cottage together shall not exceed � the maximum lot coverage requirement for the respective zone; 3. The elder wttage shall be occupied by: � a. Qne person who is at least 50 years of age, handicapped and/or disabled person who is related by blood,marriage or adoption to the occupanis of ihe principal dwelling;or b The caregiver who is related by blood, marriage or adoption to � the elderfy, handicapped or disabled occupant(s)of the principal dwelling; ; 4. The elder cottage shall be occupied by a maximum of two(2)people; ^� 5. For sewage disposal and water supply and all other utilities,the elder cottage shall be physically connected to those systems serving the principal dwelling;no separate utility systems or conneotions shall be constructed or used, unless requlred by the PA D�P.All connections shall meet the applicable utiliiy company standards. If on-site sewer or water systems are to be used,the applicant sha11 submit evidence that �, the total number of occupants in bolh the principal dwelling and the �i elder cottage will not exceed the maximum capacities for which the one-unit systems were designed, untess those systems are to be expanded, in which case the expansion approvals are to be submitted. � Any connection to or addition to an exist+ng on-site sewer system shall be subject to the review and approval of the sewage enforcement officer; ' 6. A minimum oi one(1)aU-weather,off-street parking space,with � unrestricted ingress and egress to the street, shall be provided for the elder cotiage,in addilion to that required for the principal dwelling; ' 7. Unless provided within an existing building,the elder cottage shall be installed and located only in the side or rear yards,and shall adhere to aA side and rear yard setback requirements for principal uses; � 8. The etder cottage shaA be removed from the property within three(3) monihs after it is no longer occupied by a person who qualifies for the use; and, 53 � 3i� �-� 5 3 9. Upon ihe proper instaliation of the elder cottage,the Zoning Officer shall issue a iemporary zoning permit. Such permit shall be reviewed , every twelve{12)months until such time as the elder cottage is required to be removed. A fee, in the amount to be set by the Board of Supervisors,shall be paid by the landowner upon each renewal of the �' temporary zoning permit.Such fee shail be based upon the cost of the annual review of the permit. F. Farm occupations, as defined here�n, rf conducted as an accessory use to a � principal agricultural use of the property with a minimum of ten(10)acres, and subject to the following� 1. Residents and up to four(4)nonresidents may be employed by the �; farm occupation; 2. The use must be conducted within one(i)completely enclosed building.Where practicable the farm occupation shall be conducted ' within an existing farm building. However,any new buiiding constructed for use by the farm occupation shall be located behind the farm's pnncipal buildings,or must be no less than one hundred feet(100') from any adjoining roads or properties; � 3. Any new building constructed for use by the farm occupation shall be of a design so that it can be readily converted to agricultural use,or �� removed,ff the farm occupation�s discontinued; 4. No part of a farm occupation shall be located within one hundred feet (100')of any side or rear lot line, �or three hundred feet(300')of any land within a R-1, R-2,MHP or MU Zone. Such distanc;es shall be � measured as a straight line between the closest points of any physiCal improvemeni associated with the farm occupation and the property/zoning line; 5. The farm occupation shall occupy no more than four thousand(4,000) square feet of gross floor area, nor more than one(1)acre of lot area. However,any access drive serving the farm occupation and the farm shall not be calculated as land serving the farm occupation, 6. No more than fifly percent{50%)of the land devoted to a farm occupation shall be covered by buildings, structures, parking or loading � areas,or any other impervious surfaces; 7. One(1)non-illuminated sign not exceeding twelve(12)square fQet shall be permitted and must be set back at least ten feet(10')from all � property lines; � 8. For farm parcels of up to fifty(50)acres in size,wh��e the farm occupation is in operation, no nonfarm subdivision of the site shall be permitted;and, � g. The applicant is required to submil written information indicating that the disposal of aIl materials and wastes will be accomplished in a manner that complies wlth State and Federal regulations.Such evldence shall,at a � minimum include, copies of contracts with waste haulers licensed to operate within the Counry,which have been contracted to dispose of the materials and wastes used,or generated,on-siie or some other legal ' means of disposal. The zoning permit for this use shatl remain valid,only so long as such contracts�emain in effect and all materials and wastes are properly disposed of on a regular basis.Shauld thc nature oi the farm occupation change in the future,such that the materials used,or wastes � generated,changes sign�cantly,either in type or amount, the owner of th� farm occupation shall so inform the Zoning Officer,and shall provide additional evidence demonstrating continued campliance with the �� sa �. �1 �� 3 �: requirements of this section. G. Rural occupations,as defined herein, subject t�the following: 1. Only one(1)nirai occupat+on may be conducted on tl�e same property as the owner's principai residence; � 2. A rural occupation shall only be conducted within one completely cnclosed outbuilding that satisfies at least one(1}of the following� a. The building witl remain the same size and in the same location as it existed on the effective date of this section;or b. The buiiding is lirnited to one(1)story in height or fifteen feet � (15'),whichever is lesser, is no larger than the square footage that comprises the principal residence's main grade Ievel, is located in the rear yard of the principal residencs,and , is set back at least fifty feet(50'j from any side or rear lot lines. � All applicants are required to design buildings that are compatible with their residential settings; 3. In no case shall any new rural occupation building be constructed � before the owner resides on the subject property. In addition,rural occupations may only be conducted so long as the sole owner of the business resides on the site; �'9 4. In no case shall the required maximum lot coverage be exceeded by �� those impervious surfaces associated with the principal residence,rural occupation ar+d/or other accessory uses; � 5. All off-street parking and loading spaces shall be screened from adjoining roads and properties; 6. No outdoar siorage or display shall be permitted except that one(1) ' commercial truck of not more than elsven thousand(11,000)pounds gross vehicle wefght may be parked behind the principal residence, so long as it is screened from adjoirnng roads and properties; � 7. One(1)non-illuminated sign not exceeding twelve(12)square feet shall be permitted and must be sei back at leasi ten feet(10'}from all praperty lines; �; S. No rural occupation and its principal dwelling shall generate more than twenty(20)vehicle trips per day to or from the site. The applicant shall furnish a written and signed statement regardinc�the expected numbers of vehiGe trips associated with the proposed use; � 9. Vehicular access to the n.iral occupation shall be limited io the same driveway connection with the public street that serves the principal residence. No additional roadway connections shall be permitted; � 10. Up to twv(2)nonresidents of the site may be empl0yed in the n�ral occupation; 11. Rural occupations shall only be conducted between the hours of ' 6:00 a.m.and 8:00 p.m.; 12. No manufacturing, mechanical,or industrial use shall be permitted which causes 2ny noise,odor,glare,fume,smoke, dust,vibration, � electromagnetic interfe�ence,or other hazard that is noticeable at or beyond the line of the nearest residential lot. No use that requires applfcation or permitting by the PA DEP for the handling�f hazardous , waste or other substances,shall be permitted,except for wastewater treatment;and, � �s 3� 0�" �.3 � � 13. The applicant is required to submit written information indicating that the disposal of a!I materials and wastes will be accomplished in a manner that �' camplies with Staie and Federal regulations.Such evidence shall,at a minimum include, copies of c;ontracts with waste haulers licensed to operate within the County,which have been contracted to dispose of the � materials and wastes used,or generated,on-site or some other legal means of disposal.The zoning permit for this use shall remain valid,only so long as such contracts remain in effect and all materials and wastes are properly disposed of on a regular basis Should the nature of the rural � occupation change in the future,such that the materials used,or wastes generated, changes sign�cantly,either in type or amount,the owner of the niral occupation shall so inform the Zoning Officer, and shall provide additional evidence demons/raiing coniinued compliance with the requirements of this section. H. Home occupations, as defined herein,subject to the following: � 1. The use shall be clearly incidental to the primary use of the premises as a dwelling for livmg purposes; 2. Up to two(2)nonresident employees shall be permitted; � 3. No more than one(1)home occupation may be located in any dwelling unit; � 4. The home occupation sha�l not alter the appearance of the building as a dwelling unit; 5. No mechanical eq�ipment sha►I be employed in a home occupation, � other than that customarily uiilized for hobby or domestic purposes; 6. No sales of any goods or merchandise shall occur on the premises that would require customer visitatian to the site,other than those goods or �� merchandise which are produced on the premises. Uses that involve th� retail sales of seasonal andlor holiday items for one period not to exceed thirty(30)days in any calendar year are permitted only by conditional use (see Section 428); � 7. No manufacturing shall occur an the premises other than the products of cusiomary hobbles and fabrication of garments by a seamstress or � tailor; i 8. No goods shall be displayed so as to be visible irom the exterior of the premises; �y 9. Home accupations shatl be limited to not more than twenty-five percent (25%)ot the floor area of the dwelling unit; 10. No accessory building or siructure shall be utili�ed as a home occupatlon, except that an accessory building or structure may be used as storage � area for the home occupation,provided that said area shall be included in the total area permitted for a home occupation use, and further,that no such accessory building or structure shall be accessible to the public for '# business purposes; 11. In addition to tiie required parking spaces for the dwelling unit,one(1) parking space for each nonresident employee and patron on site at one '� time shall be provided; 12. One(1)non-illuminated sign not exceeding twelve(12)square feet shall be permitted and must be set back at least ten feet(10')from all property lines; ; 13. The applicant shall submit evidence of all applicable State approvals; � and, � 5E; 3� �� 5 3 �� . 14. The applicant is required to submit written information indicating thai the disposal oi all materials and wastes will be accompfished in a manner that . complies with State and Federal regulatio�s.Such evidence shall,at a minimum include,copies of contracts with waste haulers licensed to operate within the County,which have been contracted to dispose of the �, materials and wastes used, or generated, on-site or some other legal means of disposal.The zoning permit for this use sf►all remain valid,only so long as such contracts remain in effect and a11 materials and wastes are properly disposed of on a regular basis.Should the nature of the home �, occupation change in ihe future,such that the materials used,or wastes generated,changes significanily,either In type or amount,the owner of the home occupation shal!so inform the Zoning�fficer, and shall provide � aciditianal evidence demonstrating continued compliance with the re- quirements of this section. I. Noncommerctal keeping of livestock, as defined herein,s�bject to the following: � 1. Minimum t..ot Area -One(1)acre for group 1 and 2 anima�s—Two(2) acres for group 3 anirnals;additionally,the follovv�ng list spec�es � additional requirements by size of animafs kept: � GROUP 1 - Arnmais whose average adult weight is less than ten(10) pounds shall be permitted at an animal density of twelve{12}per acre, with a maximum number of fifty(50)animals; � GROUP?. Animals whose average adult weight is between ten(10) and sixry-five(65)pounds shall be permitted at an animal density of two(2)per acre,with a maximum number of twenty(20)animals;and, � GROUP 3- Animals whose average adult weight is greater than sixty- five(65)pounds shall be permitted at an animal density of one(1)per acre,with a maximum number of ten(10)animals. � The keeping of a combination of animal types(Group 1, 2 and 3)shall require an animal density equal to the ratio of the number of animals,by type. In no case shall a lot contain more than fifty(50)total animals. �, Should one structure be used to house a combination of animal types,the , most restrictive setback shall apply; 2. The following lists minimum setbacks(from all properiy lines)imposed � upon the placement of any structure used ia house noncommercial livestock: GROUP 1 Animals Up to 25 animals, a twenry-five foot(25')setback; Above 25 animals,a fifry foot(50')setback; � GROUP 2 Animals � Up to 2 animals;a twenty-five foot(25')setback; Above 2 animals;a fdty foot(50')setback;and, GROUP 3 Animals � Fifty feei(50'). 3. All structures used to house noncommercial livestock shall be prohibited from placement in the front yard; 4. All outdoor pasturelrecreation areas shalf be enclosed with fencing to prevent tfie escape of the animals; � 5. Thr.applicant shall furnish evidence of an effective means to dispose dead animals according to the regulations of the Pennsylvania Depa�t- ment of Agriculture;and, �; J� � �� 53 �_' 6. All animal wastes shall be properly stored and disposed oi,so as not to be � objectionabls at the site's property line. All animals,their housing, and � their outdoor pastureirecreation areas shall be properly maintained so as not to become a nuisance to adjoining properties. J. Temporary farm employee housing, if contained on a farm, subject to the followinL standards: 1. For each farm, one(1)manufactured home is permitted for ihe use of farm workcrs(and their families)who are employed by the owner of the ; farm,for such time as the employee works the tand of the owner, 2. All such units shall be located within the rear yard of the farm dwelling and shall further comply with alI setback requirements imposed upon single- family detached dwellings; 3. Such manufactured homes shall be securely anchored to a manufactured �' home stand;a six inch(6")thick poured conerete slab over a six inch(6") stone base, the lenglh and width of which shalf be at leasi equal to the dimensions of the manufaciured home. Each manufactured home pad shall include properly-designed utility connections; � 4. The applicant shall fumish evidence that an approved system of water supply and sewage disposal will be utilized;and, 5. The manufactured home shall be occupied at least one hundred twenty �' (120)days a year by at least one(1)person who is employed on the farm where the manufactured home is located. If this condition is not satisfied, � the manufactured home shall be removed within one hundred twenry(120) � days. K. Gardening and raising of plants for personal use;and, � L. No-impact home-based business,as defined herein. M. Cluster developments (see Sectio�414); 201.3. Special Exception Uses(Subject to the requirements lisied in Section 604.3. of this Ordinance.} � 1. Campgrounds(see Section 411); 2. Golf courses and driving ranges (see Section 424);and, � 201.4. Conditional Uses(Subject to the requirements listed in Section 705 of this Ordinance.) 1. Veterinary o�ces and anirnal hospitals(see Secti�n 452). � 201.5. Maximum Permitted Heiaht(subject to modification under Section 304 and Section 418 of this ' Ordinance) 1. Principal structures-�ne hundred fifty feet(150')for uninhabitable#arm structures,and thirty-five feet(35')for other structures. Further provided that every structure that � exceeds thirty-five(35)feet in height is set back irom each property line a distance equal to its height;and, 2. Accessorv structures-Twenty-five feet(25'); provided however,that every accessory � structure higher than fdteen(15)feet shall be setback a minimum horizontal distance equal to its height from the closest side and rear lot line. '! 201.6. AQricultural Setback Requirement-On any separate nonfarm parcel: 1. No shrub shall be planted within ten feet(10')of any land used for agricultural purposes; 2. No accessory residential structures or fences shall be placed within ten feet{10')of any land used for agriculiural purposes; and, � 58 �41 �� 53 � � 3. No tree shal! be planted within thirty feet(3Q')of any land used for agriculturai purposes. 201.7. Agricultural Nuisance Disclaimer-Ali lands within the Rural Residentiai Zone are located within an area where land is used for commercial agriculiural production.Owners,residents,and other users of this property may be subjected to inconvenfence,discomfort, and the possibility of injury to property and health arising from normaf and accepted agricultural practices and operations, including, but not limited to, noise,odors,dust,the operation of machinery of any kind,including aircraft,the storage and disposal of manure,the application of fertilizers,soil amendments, � herbicides and pesticides. Owners,occupants,and users of this prope�ty should be prepared to accept such inconveniences,discomfort,and possibiliry of injuryfrom normal agricultural operations,and are hereby pui on official notice that Seciion 4 of the Pennsylvania Act 133 or 1982 ; "The Right to Farm Lav✓'and the Agriculture Communities and Rural Environment(ACRE), PA Act '� 38 of 2005, may bar them from obtaining a{egal judgment against such normal agricultural operations. From the effective date of this Ordinance,all subsequent subdlvision plans submitted with#he Zene shall require a note which duplicates this section and which must be transfe�red to the � purchaser by the seller. 201.8. Rectuired Conservation Plan-Any agricultural,horticultural or forestry uses which involve earthmoving activities,or the commercial harvesting or timbering of vegetation,shall require the d obtainment of an approved conservation plan by a technical service provider certffled by the PA NRCS(Natural Resource Conservation Service)or approved by the NRCS pursuant to Chapter 102 Erosion Controt of Title 25 Rules and Regulations, Department of Environmental Protectian. All �� on-site activities shall then be in compl�ance with the approved conservation plan. 201.9. All uses permitted within this zone shall also comply with the General Provisions contained in Article 3 of this Ordinance. � 201.10. Desiqn Reauirements-Unless otherwise specrfied,the following table presents applicable standards for non-cluster developmenis imposed by this Zone. See Section 414 for cluster developments. � � � � � � I 5 ir J9 � � b� J�.� �; �: Section 201.10. Design Standards for the R Zone �' Minimum��Minimu�m i Maximum � Mirtimum Yard Setbacks __ i Lot ' Lot I Lot � �� Use � Area' I Width � Coverage ' �ront One Side Both Sides F '"" Agricuitural and hortieuftural uses. 10 acress 200 ft. ' 1 Q% � 50 n� 50 ft.A 100 ft_� 50 fl.° -� Municipal services,parks&playyrounds, � 2 500 sq.R. 50 fl. ' 40% • ?_0 ft. i 15 ft. 30 ft. � 20 fl• I � 8�public utfiities structures. : ; , I ' � , —�_ _ , _ - - - - - • - -�------'_'_ —r- � - - i ! � I ; I Single-family dwellings with on-lo�sew'age I60,000 sq,ft.; 200 ft. 20% ; 50 ft. � 30 fl• fi0 ft. , 35 ft. ' �� disposal and on-lot water service. � , ' -- —r--- ._ —}----- -- I Single-family dwetlings with either central � � _�—Y ; ' � sewage disposal or central water service.'' 30,000 sq.ft.i 150 ft. 30% j 50 ft. � 20 ft. � 40 ft. 35 ft. i � ; � ; ; - +--- - --- Single-family dwellings with both central ' i I and central water 10,000 sq.ft. 9�ft. 40% � 40 ft. � 10 ft. � 20 ft. 35 ft. � sewage d sPosa -- I - -- service.'.? - ---- -- -__��__ � _ — � Other peRnitted principal uses,including � aG.e i 150 ft. i 20% 50 fl. 30 R. I 60 fl. 50 ft. � forestry _ � — ----- �-----r— --- -- Accessory Uses NfA � N/A ; N!A I Not permitted I 5 ft. ; 10 ft. 5 ft. i in front yard. i __ �_ _ � -� I � I � � � r lots that existed on the effective date of this ordinance,single famtly detached dwellings are permitied subject to those I Fo limitations described in Sect�on 201.12.of this Ordinance. If applicable,landowners must obtain approval for a cluster devefopment � I in accordance wilh Sections 201.4.1.and 414 of this Ordinance; ! �For single family detached dwelling units that existed on the effiective date of this Ordinance. � � 3All uses relying upvn on-lot sewers are subject to the requirements listed in Section 316 of ihis Ordinance. i � � , � °Special setback reauirerne�ts-Exc:ept as provided for in lhe fol�owing paragraph,no area for lhe slorage or processing of garbage ; or spent mushroom compost,structures for the cultivation ot mushrooms,shall be pertnitted within five hundrad fest(500')of any ; � i adjoining land within any res�dential or lhe Village Zones. The Zoning Hearing Board may,as a speaal excepGon,however,reduce i ! the above special setback requirements where it is shown that,because of prevafling vinnds,unusual obstructions,topography,or I I other conditfons,a lesser distance would protect adjoining lands from odor,dust,or other hazards.In no case,however,shall the � Zoning Hearing Board reduce the special setback to less than two hundred feet(200').The burden shall be upon the applicant to i i prove that a leaser distance would not be detrimental to the health,safety,and general welfare of the communiry. i t I j SThe minimum lot size for agricultural and horticultural uses may be reduced by conditional use subjecl to the requirements of 1 I Sec6on 705 of this Ordinance provided that the goveming body determines that the proposed use is in accordance with the PA � L Ri9ht-to Farm"law. —---- _ _ _. ----- } 201.11. Flaq Lots and Joint Use Drivewavs Within the R Zone,the use of flag lots is permitted only when it will enable the preservation of some important natural or cultural feature('tncluding productive � farmland),within areas not contained upon proposed new lots wfiich would othervvise be disturbed by conventional lotting techniques; 1. For the purposes of this section,a flag-loi shall be described as contain+ng two parts: (1) � The"flag"shal(include that portion of the lot tnat is the location of the principal and accessory buildings. (2)The"pofe°shall be considered that po�tion of the site that is , used for vehicular access between the site and its adjoining road; � � eo � 3 Q� 53 �: �: 2. Requirements for ihe Flaq: I --- � � FLAG-LOT_DIAGRA.M A. The minimum lot area and lot .-- -� — ---------- ----�-------- � --;,� � .�!n�LU� width requirements of the � REAR YARD y i� Township Zoning Ordinance i .(--' � �° m jA � shall be measured exclusively i ?VARD `� �� upon the flag: ° �� l � FRONT YARD �S B. For purposes of determining � __ �` i�' . I -------------------- required yards and setbacks, �/�TE/a�Or+LOT .,�"�. .� the following shail apply: ;R :� Front vard-The area between - '� the principal structure and that r ' i� � lot ifne of the fla which is most ' '_ 9 �° parailel to the sireet providing � ;� vehicular access to the site.Ad- ditionally,all areas af the pole shatl be considered to be w�thin the front yard; Rear vard-The area between the principal structure and that lot line of the fl8g that is directly opposite the front yard,as desc�ibed above;and, Side vards-The area between the principal structure and that one(1)outermost � lot line which forms the flag and pole, plus the area on the opposite side of the principal structure. (See the Flag-Lot Diagram for a graphic depiction of the yard locations.) � 3. The flag-lot shall contain adequate dnveway dimension for vehicular backup so that ingress to,and egress from the lot is in the forward direction; 4. Requirements for the Pole: A. The pole shall maintain a minimum width of twenty five(25)feet; B. The pole shall not excead six hundred(60Q�feet m length, unless additional lenglh is needed io avoid the disturbance of productive farmlands or some other signficant natural or cultural feature; C. No part of the pole sha{I be used for any portion of an on-lot sewage disp�sal � system, nor any other improvement except a driveway and other permitted improvements,such as landscaping,fencing,utility connections to off-site facitities, mailboxes,and signs; D. The cartway contained on the pole shall be located at least six(6)feet from any ��: adjoining property Iine,and twenty(20)feet from any existing structures on the site or any adjoining property; �� E. No pole shall!�e located within two hundred(200)feet of another on the same side of the street, unless an adjoining pole utilizes a joint-use driveway, regulated as follows: ; 5. Joint-Use Drivewavs: A. W hen one or more llag lots are proposed, such lots may rely upon a joint-use driveway for vehicular access; B. A joint-use driveway must serve at least one flag-lot,but may also serve conveniional lots, up to a maximum of four(4)total lots; C. A11 joini-use driveways shall have a mirnmum easement widtt�of iifty{50)feet and a minimum cartwayw�dth of sixteen(16) feet; �} 61 ��I 6� 53 � �' �f I�g Lob wlfh Jo1nt�Uae Orivewry De�lgn ..__..._.._..._.-----' '�-- � --__........._-, U. Cross access easements shall be • F,� ; required to ensure common use of, : � �` : � �� `"' ; � access to,and maintenance of,joini- � use driveways;such easements shall be : �-� ; �_ , : recorded in language acceptable to the � ; __._.._ ; �...._.. _._. . . . , . : ' , Township Solic+tor,and depicted on the �„ • , , , , i T;�a�pM.r.r � ir' � subdivision plan;and, . w ; � 1�___I : � E. Joint use driveways that exceed three ; � " � hundred(300'}feet in tength are ? � OT" t ' � • � required to provide for a cul-de-sac tumaround with a dust free surface that } has a minimum radius of fifty(50')feet. 201.12. Limitations on Subdivision andlor Land Development 1. To preserve sensitive natural features and the Township's rural character and to ensure an � efficient and compact residential development patiern, it is the express intent of this Ordinance that the subdivision of new residential lots or the development of new dwelling units shall be limited without the use of clustering,regardless of whether such development � is accomptished by subdivision or land development. 2. The following table shall be used to determine the permissible number of lots which may be subdivided, or the number of new principal dwelling units that may be established, � respectively,within this Zone without the need to gain approval for a cluster development in accordance with Sections 20'I.4.1.and 414 of this Ordinance. Loi Area(Acres) Totat number of lots that may be subdivided andJor � At least Less than P�ncipal dwelling units that may be establfshed 0.46 2,7g Any number that can comply with the design standards _ __— contained within Section 201.10.of this ordinance. � 2.75 10 � - --- __.^_.— 10 20 2 20 30 3 # 30 40 � 4 � 40 50 5 � _ _ _ -- -- ---- 50 or more 6 _ —- -_--_ _ . 3. The determination of eligible land for such developments contained withm the above table � shatl be based upon all contiguous land within the R 2one held in single and separate ` ownership,which was held by the landowner or hislher predecessor(s)in title on the effec#ive date of this Ordinance.For the purposes of this Section, land held in single and separate ownership shall be considered to be contiguous regardless of whether: t A. Such land is divided into one or more lots, parcels,purparts or tracts; 8. Such land was acquired by the landowner at different times or by different deeds = or other means;and, � C. Such land is separated by public or private streets or rights-of-way. 4. li such land was not classified withm the R Zone on the effect�ve date of this Ordinance,the , eligibility for development under this Section,shall be based upon the contiguous land held in single and separate ownership on the date such land was first rezoned to the R Zone; � 62 �� c�� 5 3 � �; 5. Any subdivision or land development plan hereafter filed shail specify which lot or lots shall carry a right of further subdivision or development,as provided for in this Section of the Zoning Ordinance. Such information shall also be included in the deed for any new lots.lf this information is not included on a subdivision or land development plan, it shall be � pre5umed that the largest lot remaining after the subdivision shall carry the right of further subdivision or land development under this Section of the Zoning Ordinance;and, �i 6. The number of lots which may be created,or single-family dwellings which may be established, shall be fixed according to the size of the parent tract.This number shall not be increased by the subdiv�sion of such parent tract. Any subsequent owner of a parent tract, land remaining in the parent tract after subdivision,or land which was formerly part oi a parent tract,shall be bound by the actions of his predecessor. � � � � � � � 1 � �i � � � 6:5 y� � �3 �l �: Section 202 Low Density Residential Zone (R-9) � 202.1. Purpose-This Zane is meant to accornmodate suburban detached residentiai growth within the Township.This Zone coincides with planned sewer and water utiliry service areas;however, � the actual availability of these services is likely to occur at different times, in different areas.As a result, permitted densities have been adjusted according to the availability of these public utilities. 202.2. Permitted Uses 1. Agriculture, i�cluding one single family detached dwelling contained on the site subject to the requirements listed in Section 200 of this Ordinance. This use shall also expressly exclude: A. Concentrated animal feeding operations(CAFOs)as defined herein;and, B. Concentrated animal operations(CAOs)as defined herein; } C. Noncommercial keeping of livestock is prohibfted unless the following restrictions are met: �; 1. Minimum L�t Area shall be one(1)acre per animal upan which there shall �a be no buildings or structures and which area shal!be used solely for pasture andlor grazing;and, ; 2. Only Group 3 animals sfiall be permitted;and, 3. The maximum number of permitted animals shall be two(2);and, � 4. All other provisions set forth in Section 2U0.2.9 5 I.2—6 sha11 apply. 2. Churches,church related education or daycare facilities and cemeteries(See Sectlon 310); 3. Forestry uses,subjsct to the requirements of Section 323 of this Ordinance; 4. Municipal services and/or public utilities structures,subject to the requireme�ts of Sectior 200 of this Ordinance; 5. Parks and playgrounds,subJect to the requirements of Section 200 of this Ordinance; � 6. Public and private schools; 7. For lots with greater than four(4)acres that existed on the effective date of this Ordinance, � ane additional dwelling unit may be created subject to those limitations described in Section 202.8.of this 4rdina�ce,which is subject to the applicable design standards Iisted in Sedion 202.5.of this Ordinance(beyond this additional units are permitted by cluster development as per Sections 202.4.1.and 414 of this Ordinance.) For lots with less than four(4)atxes that existed on the effective date of this Ordinance>any number of addit+onal dwell'tng uttltS may be Created subject to the design sta�dards listed in Section 202.5.of this Ordinance; 8. Singte family detached dwelling units that existed on the effective date of this Ordinance; � 9. Accessory uses customarily incidental to the above-permftted uses, induding,but nat limited to,family day-care facilities and no-impact home based businesses, both as defined , herein;and, 10. Cluster developments(see Seciion 414). 202.3. Special Exception Uses(Subject to the review procedures of Section 604.3.) � 1. Bed and breakfasts(see Section 408). 202.4. Conditional Uses(Subject to the review procedures of Section 705) � 1. Home occupations(see Section 428); 2. Horiiculture, including seles andlor marketing. sn y� c� S 3 � � 2p2,5. Area and Desiqn Requirements-Unless othervvise specified, the following tabie presents applicabfe �� standards for non-cluster developments imposed by this Zone. See Section 414 for cluster developments. Section 202.5. Design Standards for the R-1 Zone � ' Minimum �Minimum �Maximum Minimum Yard Setbacks --_ _ Use Area3 ' Width ,Covera e Front One Side Both Sldes Rear � y � ` � 50n° � 50ft." 100ft." 50ft.° Agricuttural,horticultural uses. 10 acres ? 200 ft. i 1Q/o _ �--------i 1 Municipal servic:es,parks&play- �2,500 sq.R.j 50 ft. ' 40% � 20 fl. I 15 fl. 30 ft. 20 ft. � grounds,&public utiliUes structures. ; f I -- ---- E-----'_�— Single-family dwellings with on-tot � i � ' 60,000 sp. � 200 ft. 20% ' S0 ft. 3�ft. 60 ft. 35 ft. sewage disposal and on-lot water � fi � seNiC@.1.2 i � ' ' - ----- _ ____�,_.----- I Single-family dwellings with either ' � 30,000 sy. �- i o 20 ft. j ao n. ' 35 R. . central sewage disposal or central � ft 150 ft. � 30/0 50 ft. , � water service.�'z � _.i � __�- - Single-family dwellings wiih both central 1 10,000 sq. o � sewage dlsposal and cenlral water � n 9�ft. 40/o ; 40 ft. 10 ft. 20 ft. 35 ft. service,�.z _.__._----- — --r-----;._ � Other pennitted principal uses, I 1 a�� ; 150 tt. 20% � 50 ft. ; 30 fl. 60 il. 50 Ti• � I " including forestry i------ ----- � __.� �° Accessory Uses N/A N!A ! N!A Not perm� 5 fi. 10 ft. , 5 ft. in front yard. � �. For lois with greater than four(4)acres that existed on the effective date of this Ordinance,ane additional dwelling unit may be created subjecl to the design standards listed herein(beyond this,addiGonal units are permittsd by duster development as per Sections 202.4.1.and 414 of this Ordfnance.)For lots with less than four(4j acres that existed on the effective date of this Ordinance,any number of additional dwelling units may be created provided they comply with the design standards � listed herein. 2 For single family detached dwelling units thal existed on the effective date of this Ordinance. � 3All uses relying upon on-lot sewers are subject to the requirements tisted in Section 316 of this Ordinance. °Snwr��i cwthack reouiremerrts-Except as provided f�r in the following paragraqh,no area for the storage or processing of garbage or spent mushroom compost, structu�s for 1he cultivation of mushrooms,shall be permltted wlthin five hundred feet(500')of any adjoining land within any residenlial or the Viltage Zones. The Zoning Hearing Board may,as a special � exception, however, reduce the above special setback requirements where it is ahown that, beceuse of prevailing winds,I unusual obstructions, topography, or other conditions,a less�r distance would protect adjoining lands from odor, dust, or� other hazards. In no case, however,shall the Zoning Hearing 8oard reduce the special setback ta leas then M+o hundred �� feet(200').The burden shall be upon the applicant to prove that a Iesscr distance would not be detrimsntal to the health, safety,and general weffare of the community. � �'The minimum lot size for agricultural and horticultural uses may be reduced by condiGonal use subject to the requirements� �� oi Section 705 of this Ordinance provided that the goveming bady determines that the proposed use is in accordance with� the PA`Right-to Farm"law. ___________ 202.6. Maximum Permitted Heiqh# (subject to modification under Section 304 af this Ordinance) ��S' 1. Principal struciures-One hundred fifty feet(150')for uninhabitable farm structures,and thirty-five feet(35')for other structures. Further provided that every structure that exceeds � thirty-five(35)feet in height is set back from each property line a distance equal tv its � height;and, � 6J � � o-� �3 � 2. Accessory structures -Twenly-five feet(25');provided however, that every accessory structure higher than fifteen(15)feet shall be setback a minimum horizontal distance equal to its height from the closest side and rear lot line. 202.7. All uses permitted within this Zone shall also comply with the applicable General Provisions in � Articie 3 of this Ordinance. 202.8. Limitations on Subdivision and/or Land Develoament � 1. To preserve sensitive natural features and to ensure an efficient and compact residential development pattern,it is the express inteni of this Ordinance that the subdivision oi new residential lots or the development of new dwelling units shall be limited without the use of � clustering, regardless of whether such development is accomplished by subdivision or land �! development; 2. Section 202.2.8. permits one additional dwelling unit/lot for lots that existed on the effective date of this Ordinance without the need to gain approval for a cluster devetopmerit in � accordance with Sections 202.4.1.and 414 of this Ordinance; 3. The determination af eligible land for such additional dwelling unit/!ot shall be based upon �j all contiguous land within the R-1 Zone held in single and separate ownership,which was held by the landowner or hislher predecessor(s)in title on the effective date of this Ordinance. For the purposes of this Section,land held in single and separate ownership shall be considered to be contiguous regardfess of whether: j A. Such land is divided into one or more lots,parcels, purparts or Vacts; 3 B. Such land was acquired by 1he landowner at different times or by different deeds � or other means;and, C. Such land is separated by pubiic or private streets or�ights-of-way. 4. If such land was not classified within the R-1 Zone on the effective date of this Ordinance, the eligibflity for deve�opment under this Section,shall be based upon the contlguous ianc' � held in single and separate ownership on the date such land was first rezoned to the R-1 Zone; 5. The number of lots which may be created,or single family dwellings which may be established,shall be fixed according to the size of the parent tract.This number shall not be increased by the subdivision of such parent tract.Any subsequent owner of a parent tract,land remafning in the parent tract after subdivision,or land which was forrnerly part of � a parent tract,shall be bound by the actions of his predecessar. � � � , � � � ss � �I�i � 5 3 � �° STEVEN W. BARRETT �', Steven W.Barrett Real Estate&Appraisal Services-Established 1976 505 South Hanover Street,Carlisle, PA 17013 Phone 717-243-6646 FAX 717-243-8627 E-Mail—Steve@swbarrett.com � PROFESSIONAL LICENSES: PA State Certified General Appraiser,CA-000298-L PA Reat Estate Broker,RB-026921-A Certified PA Evaluator, AV-000034-L � PROFESS(ONAL DESIGNATIONS EARNED: �� SRPA,Senior Real Property Appraiser, 1 1/90 CPE,Certified Pennsy(vania Evaluator, 11/88 Appraiser Institute—General Member Assessors Association of Pennsylvania �' SRA,Senior Residential Appraiser,9/83 CRB,Certified Real Estate Brokerage Manager, Appraisal [nstitute—Residential Member 2/86,Realtors National Marketing Institute ASA,Accredited Senior Appraiser,Real Property CRA,Certified Review Appraiser,Senior Member � Urban,7/90,American Society of Appraisers 4/81,National Association of Review Appraisers GAA,General Accredited Appraiser, l 1/94 � Realtors Appraiser Section ASSOCIATION MEMBERSHIPS: �° Appraisal lnstitute American Society of Appraisers Assessors Association of Pennsylvania REALTORS-National, State&Local Organizations ' OFFICES HELD: 2006 Board Member,Greater Harrisburg Assoc. of Realtors 1984-86 President, Chapter 70, 2003-2005 Board Member,Carlisle Board of Realtors Society of Real Estate Appraisers �i 2001 President,Appraisal lnstitute,Central PA Chapter 1982-83 Vice President,Chapter 70,Society 1998 Chair,Appraisal Section, of Real Estate Appraisers Harrisburg Association of REALTORS 1981 Vice President,Carlisle Board of �, 1989-90 Vice Governor,District 20,Society of Real 1982 pies'sident,Cartisle Board ofRealtors Estate Appraisers APPRAISAL AND REAL ESTATE EDUCATION: penn State University-Courses � Appraisal Institute/SREA -Courses SREA Course 101,An Introduction to Appraising Real Estate Appraising 1 �t SREA Course ]02,Applied Residential Property Valuation Real Estate Appraising II SREA Course 201,Principles of Income Property Valuation Real Estate Appraising-Right of Way SREA Course 202,Applied Income Property Valuation Real Estate Theory and Practice SREA Course 301,Special Application-ApUraisal Analysis Real Estate Finance AI Course 510,Advanced Income Capitalization Real Estate Administration&Mana?ement � Residential Demonstration Report Real Estate for the Small Investor Income/Comrnercial Demonstration Report ofBusiness Valuation Appraisal Institute/SREA Seminars: Online Business Practices and Ethics`04 � �� 3 � �� '� Environmental Issues for Appraisers '13 Penn Dot Right of Way Procedure `OS Business Practice&Ethics '13 Appraisal Review&The Process of PA Appraisers Regs '13 Reviewing`07 USPAP 'l 3 Tax Assessment Law&Tax Appeal Ethical Behavior in a Wired World '12 Process in PA `07 PA Appraiser Regulations 2011 Review of PA Appraiser's Certification �t Valuing Homes With New Appraisal Requirements UAD '11 Act 07' Specialized Oil&Gas Valuation '11 Tax Free Like-Kind Exchanges`OS USPAP 2010-2011 Appraiser's In The Ring `OS How to Analyze&Value Income Properties '11 7 Hr. Elective Continuing Education � Continuing Ed RECE45,32,722 '11 Course X&II `03 Enhanced Desk Review '11 USPAP '03, 'O5, `07 Hotel Appraising:New Techniques for Residential Construction `03 Today's Uncertain Times"09 Appraising the Oddball:Nonconforming � Greening Historic Bldgs. 21".Century '09 &Difficult Properties Keep Yourself Safe&Legal `09 PA State Mandated Course '03 USPAP 2009 Uniform Appraisai Standards for � lnternet Search Strategies for R.E. Appraisers `07 for Federal Land `08 Appraising Environmentally Contaminated Properties `09 Online Business Practices&Ethics `04 � Appraiser Liability'03 Appraising from Blueprints and Specifications 'Ol Regression Analysis in Appraisal Practice 'O1 � FHA Appraisal Inspection from the Ground Up 'O1 , Narrative Appraisal Report Writing Partial Interest Valuation—Undivided `00 Technology Form—Parts 1 and 2 `99 ' Litigation Skills for the Appraiser`98 Dynamics of Office Building Valuation `98 Loss Prevention `98 � Uniform Residential Appraisal Report`97 Small Residential Income Property Appraisal `97 Valuation of Leasehold Interest`97 Valuation of Leased Fee Interest `97 � Underwriter's Guidelines to Real Property Appraisal Appraisal of Mixed Use Property Types `96 � � � � 5 � 6� � 3 � �� Other Seminars: Veterans Administration Training `OS Veterans Administration Training '03 Appraisal of a For-Profit-Cemetery—AAP '96 Mandatory Brokerage-Kell '00 Appraisal of an Operating Landfill-AAP '96 Agency Changes,Choices and Forms Nursing Home Valuations-AAP '95 Realtors Institute '99 Realtors National Marketing Institute Law and Order: USPAP and PA Course 302,Marketing Management'86 �; Realtors Institute '99 HUD-FHA Training Seminar Elective Brokerage-Shearer'97 Pennsylvania Appraisal Statutes Mandatory Brokerage- Shearer'97 Two to Four Family Finesse-Appraising Appraising High-Value Residential Multi-Family Properties 2005 Properties 2005 ; WORK EXPERIENCE: Real Estate Property Manager, 1979 Real Estate Broker, 1974 Real Estate Appraiser, 1975 Real Estate Salesman, 1971 EXPERT WITNESS: Cumberland and Dauphin Counties Penn DOT Board of View Court of Common Pleas and Domestic Various Municipal Zoning and � Master Hearings Planning Boards TYPES OF PROPERTIES APPRAISED: � Residential Commercial Industrial Investment Multi-Family Mixed Use Agricultural Retail Easements Eminent Domain Right of Ways Subdivisions Feasibility Studies Cash Flow Analyses Assessment Appeals Consulting � REAL ESTATE BROKERAGE: Listings, sales,leasing and consulting of all types of real estate in south-central PA � � � �� : 5� � �3 � � � ; � � ., . � �� . � �, : Commonweaith of Pennsyt�vania, ` 12 0 0.9 U 9�.�� ' � DeP��im�'��tate Bureau of Pro � `�;; a��id�.�e:� �ational �;ffairs PO Bo��Iarr'�burg�t,,�� 5-2649 � ar� .�} r`�� `r �' � � � r !' t p 1�'. : Certificate Type � � �� Certiticate�tatus i .y. � Certified General Appraiser ` ri t� �.��-'��` ��: � �` � �; � � Active; ;2 ��:t � ��=r �` i= fr � `•�Jy, 1'�:��j.�..��>fix�, rl f ` Ft wry i. f' \'lG_.. �-^- �A F� �.S t �'a-�`, C�.�yr�� , � � �� `�":�°`'j-----p--�'�-z�`�� Init�at Cerdfication�f�t� ��.,,��* �,,,,,.-''`F s,,� STEYEN W BARRETT Cer�iticate 09/06/1991 1=� � i0.S SOUTH HANOVER STREE7' ' CARLI3LE PA 17013 Number GA000298L Expiration D�te : � � 06/30/20i 5 �xK � c�� - i�✓n4r�..� . . . . �� .� ' E ;^�; � S#�RY�Ui'� � ..�' Commissioner of Professional and Occuuational Aft'airs ! I __------..—-- -- ___ -- --,--,�_ __ __ __. - - -- ----____ _- � — - -- -- _ - --- --- ---___—____------_T � � � j � �'3 �-� 5 3 � : ,i � � � � I � ; � � � 1 , ► I � ' � 4��CCRDr".b-OTFICC OF Tft� R�L'GR,DC,�; l�"DEc:DS DEED CU;.{:'ERlAft;CGUN7"'f-PA, I � , '91 JUL 30 PPl 3 (}7 ; ! TXIS DEED made!hu�day of ....�.�_� 1991, ! BETWEEN: RUTH M.WEAVER,a/k/a,M.RUTH WEAVEit,widow and single woman, of West Pennsboro Township,G�mberland County,Pennsylvania,hereinafter calIed"GRANTOR", � AND ,i.RICHARD ZIMME[iMAN and DORIS S.ZIMMERMAN,his wife,of West � - Pennsboro Township, Ctimberland County, Pennsylvania, hereinafter called ' "GRANTEE": � WITNESSETA: � 77rat in consideration of One Hundred Ten Thousand Dollars and 00/100 � ($II0,000.0a), in hond paid, the receipt whereof is hereby acknowledgeci, �he Grantor does ! I hereby grant ancl convey to the said Grantees, their heirs and u.rsigns: ! ALL those two ccrtain tracts of land situate in West Pennsboro Township, � C�mberland County, Pennsylvania,more particularly bounded and described as foliows: ! TRACT NO.1: BEGINNING at a railroad spike in the centerline of Township � Road 457, public road leading from Plainfield to Greason, which point is on the dividing � line between L,ots 1 and 2 on a subdivision plan prepared by Thomas A. Neff, R.S., and recorded in the Office of the Recorder of Deeds in and for Climberland County, Pennsylvania,in Plan Book 30,Page S5;thence along said dividing Iine between Lots 1 and 2, along the western side of Lot No.2, South 7 degrees 30 minutes East,232•2 feet to an ' iron pin;thence continuing along the aforesaid Lot No.2,North 82 degrees 30 minutes East, i90 feet to an iron pin in line of land conveyed by the Grantor to Clair V. and Barbara A. Heft7e�nger by deed dated May 4, 1972 and recorded in the Office of the Recorder of Deeds in and for G�mberland County, Pennsylvania,in Deed Book"P", Volume 24,Page 408; thence along the southern line of said land of Hefflefinger, North 82 degrees 30 minutes East, 120.29 eet to a point in the center of a lane; thence along the centerline of � said lane, adjommg land now or formerly of Charles F. Nelson, South IS degrees East, 802.50 feet to a point in the center of said lane;thence continuing along the same, South ��T7egrees East, 589.05 feet to a point in line of other land of the Grantor, Tract No. 2 ! described herein; thence along said Tract No. 2, South 68 degrees West, 7�feet to a I point in line of fand now or formerty of J.Richard Zimmennan;thence along said land of , Zimmerman,North 19 degrees 30 minutes West,91�2.45 feet to a poinr, thence continuing • � � BOUK�5 PACEiO$� � —.... __._. i � �. A , --�-��Y-� 3 �� i �� I , ; , \ , � � �, ^+ C�;J�MUNvVtl�US•i UF PET�IvSYLVI�IyIA= "' C_��J,I�tiUNV�I•MLiii 4�1•PF,NPtolI.VAi�1lA;'_': �, pp�;qKTMENT O�nF��E�IUE -- I � UriARThAENi'U6 REVENUE _ �„ � %,r "'�M = . /. "_�,rr> v� ��'�_ . ii. _.---.�. ;� : ' REk:T.Y " ,. Irn.u�'i�+ P !' 1 r,c;.�. — (�> . K > ��;;--� a �. _ .� �Y ,�;;: 1 -__ ,,.c.:�sr�R � � ri!r,;:SFCR •;�i� {} E��. � ._ .�r,p .11l1�0�9i \� r a�4k�af \,..`.: J J �. ::c.�;s.7 !,......._.. .v1= �, fA:i ..._ 2C ll�:°, s,..,...,. .__.�� u . � .. . . . • I along same,IVorth 11 degrees 30 minutes West,668.25 feet to an iron pin in the centetline ; of the aforesaid Township Road,T-457;thence alon�e centerline of said public road,T- , 457, North 57 degrees East, 181.50 feet to a point in the centerline of said road; thence i continuing along the centerline of said road,North 67 degrees East, 183.65 feet, more or � less,to a raiiroad spike in]ine of I.ot Pto•2 on the subdivision plan hereinbefore mentioned, the piace of u�GINNING. CONTAIN[NG approximately?A.808 acres,and having thereon erected a two- , , story aluminum dwelling house and other out ui c ings. � BEING a part of the same tract of land conveyed by deed o£John K.Binkley and Margaret Binkfey, his wife, to Richard P. Weaver and M. Ruth Weaver, his wife,by deed dated April 8, 1932 and recorded in the Office of the Recorder of Deeds in and for { CumberSand County,Pennsyivania,in Deed Book"F",Volume 11,Page 585,and being the � same tract of land designated as Lot No. 1 on the subdivision plan of Thomas A.Neff,R.S., and recorded in Plan Book 30,Page 55,as aforesaid. Tract No. 1 is the remaining portion I of that tract of land acquired by the Grantor's predecessor in title and recorded in Deed Book"K',Volume 8,Page 420. � TRAC NO._?: B�GINNING at a point in a line at the southern boundary • (ine of tlie hereinbefore described Tract No. 1; thence thtough the center of the I aforementioned 1ane and along property now or formerly oE Chatles F. Nelson, South 37 � degrees East, 36�3.00 feet to a point in line of land now or formerly of Merle K Myers; i i thence along said land of Myers, South 68 degrees West,172.20 feet to a point in line o � land now or formerly of J.Richard Zimmerman; thence along said land of Zimmerman, North 19 degrees 30 minutes West, 351.4 eet to a point on the southern line of.the i hereinbefore described Tract No.1;thence along the southern line of the said Tract No. i, I North 68 degrees East, 77�220_feet, more or Iess, to a point in the center of the aforementioned lane, at land ot Charles F. Nelson,the place o£BEGINNING. � CONTAIN]iVG 6.b8 acres, more or less. i t3GING the smaller part oE that uact of land conveyed by Jolin K Binkley and ; Margaret Binkley,]iis wife, to Richard P. Weaver and M.Ruth Weaver,his wife,by deed � dated April 8, 1932 and recorded in the Office of the Recorder of Deeds aforesaid,in Deed Book "F", Volume 11, Page 585, and being the same tract of land acquired by the predecessor in title of the Grantor, by Deed recorded in the Office of the Recorder of Deeds,aforesaid,in Deed Dook"K",Volume 8,Page 419,and being the same tract of land as described in a subdivision plan hereinbefore mentioned of Thomas A. Neff,R.S., and 2 � i �Gax�5 eacEiQ 59 � � , I ,` . , .: . , . � � , . ; i � i I . � � + � � 3� J . ; , . ' � � f . 1 � � ! �" � . � • recorded in Plan Book 30,Page 55,but not part of that subdivision. TH�aforesaid tracts of land were owned by Richard P.Weaver and M.Ruth j Weaver, his wife, as tenants by the entireties and by virtue of the death of Richard P. Weaver on the 2nd day of April, 1969,title became vested in M.Ruth Weaver,the Grantor iherein. AND�he Crantor hereby covenants and agrees that she will wwrant generully the properry hereby conveyecl. � IN WITNESS WFIEREOF,said Gruntor has hereunto set her hancJ and sea!the � day and year first above written. i � Signed, Sealed and Delivered � in thd Presence of , � /. / � l.l�,�, ��k.c.cf`�✓ .u.��v ' GC/.�r�J � ` Ru�f M. Weaver • I ; 4,�- g 7��.�.�. � �.x�-�-� � a/k/cr, M. Ruth Weaver � TowMhip01 ✓�j� P/ll:�v.a Cumb,Ca„Pa � �!'K Aw1 Estst�tantter Ti�x �' �>-3�•� •....�C7'CL ,,;i(,�.,.J• �2 : z �! /a 1, I aMw►.Cb�OIa.CoL AafT� i � r , J � �� rr ^� Scfiool Dis�Cumb.Co.,T P ; 19GRealEstetsTransferTex � � D,epts�"3 a-j1�l�,��. ' ' � � /�( ic-ti}' � �•�'r/ � � 9� 3 Cumb.Co.Dist. 1.l+yl., . . I 6C0lf �"'3S PAUEi.O6O . � �� 3�-I , \ • '� � _.__..� � _ ---...__ _�_.___. j � f � � . i I • � COMMONWEALTII OP P�NNSYLVANIA ) ) :ss. COUN7Y OF CUMIJERLAND � ` On tliis, the��U��` day of E. _ 1991, 6efore me, tl:e undersigned f --�M. RUTIi WEAVER,known to rne � o�cer,personally appeared RUTti M. WEAV R, a/ a, (or satisfuctorify proven) to be eke person whose narne is subscribed to the within instru+nent, I ruid acknowledged that she exeeuted same for die purposes dterein eontained ( �"�711r�W,TN�SS WII�RLOT, I hereuneo set rny hand arut o,fjtcial seal. � ::�P,�:•e�,r;;.� ,,� �'�c�. ��' ^�'`�"�"''�+ :'�::�ci�:�;��i�.;%`;;°'�:�'�a. �� :l•t�V�;�.,.;�s,��'�,:^. ,r'Z'y' OT RIAL SEAL � :F": .. �'l,'r,:!$"t:�:�'? Publk �.7��i�'�;.,,;7�},:.ti'M`e+�.:. �R14 OLOfR.Nofary - v..: TERESA J• '.,.%'�'...°�' "'"�'".�•;'��"M Sh�PPentbury Baa.Cumberland�991 ;'p'•.",$'•�t�'y,'r'�"::��^�� µy Commissron fzpires SePt.9, ':..,�i' i�?,,"2�`��' +� •�,t:,��'�-�};�'o ItereGy certify diat the precise residence an complete post office adcL•ess of � 1he witliin named Crmitees is.�c>.�ox/3,?�'�"�FiRi�,�ir/7o5Y • • � r . �t r AttOrnCy,fOf Cl/tAx1�Z�T — i i COMMONW�ALTN OF PENNSYLVANIA ) • . ss. COUNTY OP CUMBGRLr#ND �/ ) R�CORD,ED on this� �ay of 1991, in tlie Recorder's ' O�ce of tl:e said G'ounty, irt Deed l3ook_�., Volunte PaBe US � . ��'�,�'��Yy�.��l. =�•.'!�':�'Gi'J'd�i under�ny lia�td mid seal of dte said ojfce, !!ie dace above written. ,�5�'�}� �4� a ,n JJA .• . �.r , ✓/lM�� I i�P��I i�4P.��;t 5.� �'�ili.'Ty��:f.±' , �.��f �n.';i?`?.�^'.N. � f..•, . .�r i,`��'r,w > ,:: ,; � �, I �, ;�;..�:,�;f.;�.r.'t;Y,.x �cc�c�c;� c�5 '��``�E:,.i��:'f�-.. , i �v.. � 4 I • � ' I t 6GOK�35 PAGEi.�s�. '(I ' !1 i ! , �i �� 3�I - ' ' S.W. Barrett Real Estate 8�Appraisal Services File No. 13-0255 APPRAISAL OF . ^�-':A��.. �p'�.t� � i,i �, ' S n�r I _ ,x�r„�-;� �r;: a .�}' es. �� ;�. � a� LOCATED AT: Back Street PlainFeld, PA 17081 FOR: Martson Law Offices Ten East High Street Carlisle, PA 17013 AS OF: October 2, 2013 BY: Steven W. Barrett, SRA. SRPA PA Certified General Real Estate Appraiser �j C�. � � -C��•n 3 � o� 3� � �� a S. W. Barrett Real Estate & Appraisal Services File No. 13-0255 11/0212013 Martson Law Offices Ten East High Street Carlisle, PA 17013 File Number: 13-0255 In accordance with your request, 1 have appraised the real property at: Back Street Plainfield, PA 17081 The purpose of this appraisal is to develop an opinion of the market value of the subject property, as improved. The property rights appraised are the fee simple interest in the site and improvements. In my opinion, the market value of the property as of October 2, 2013 is: 563,000 Sixty-Three Thousand Dollars The attached report contains the description, analysis and supportive data for the conclusions, final opinion of value, descriptive photographs, limiting conditions and appropriate certifications. Respectfully submitted, SS__._�-zJ l �.-�-- Steven W. Barrett, SRA. SRPA PA Certified General Real Estate Appraiser C� �� `� � ', , S. W. Barrett Real Estate & Appraisal Services LAND APPRAISAL REPORT FileNo. 13-0255 The purpose of this summary appraisal report is m provide the lenderlclienl with an accurete and adequately supported opinion of 1he market value of the subjecl property. , � ..�. . � • PropertyAddress: BBCk Stf88t ci�y:Plainfield s�a�e: PA 2ip:17081 sorrower: J Richard 8 Doris S ZIMMERMAN ownerofPubiicRecord: Zimmerman, J Ri coun�y: Cumberland LegalDescription: Deed Book 35F Pa e 1058 Assessor's Parcelp: 46•07-0475-045 Tax Year: 2012 R.E.Taxes: 628.00 NeighborhoodName: W@StP@11IISbOfOTOW115hip MapReference: 07-0475 CensusTract: 0128.00 Specia�ASSessments: None PUD �Yes Q No HOA:S N/A Q PerYear � PerMOnth Properry Rights Appraised: X� Fee Simple �Leasehold Q Other(describe) Assignment Type: �Purchase Transaction �Refinance Transaction O Other(describe) LendedClient •'—'`"^^ � '°' �ffices Address: • 1 �did �did not analyze the coniract for sale tor the subject purchase transaclion. Explain the results of the analysis of the contract lor sale or why the anelysis was not performed. Conratt Price 5: Date of Contract Is the property seller the owner oi public record? Yes No Data Source(s) Is Ihere any tinancial assistance(loan cberges,sale concessions,gift or down payment assistance,e�c.)to 6e paid by any party on behal�of Ihe borrower? ❑Yes No It Yes,report the total dollar amount and descri6e the items to be paid. S •• •�� Nole:Race end the racial com asition of Ihe nei hborhood are not a raisal tactors. One•Unit Housin Present Land Use% Neighborhood Characteristics One-UnitHOUSing Trends g Location Urban Suburban X Rural Pro er[ Values Increasin X Stable Declinin PRICE AGE One•Unit 25 % Built•U Over 75% X 25•75% Under 25% DemandlSu I Shorta e X In Balance Over Su I 5 000 rs 2•4 Unit 0 % Growth Re id X Stable Slow Marketin Time Under 3 mlhs X 3-6 mths Over 6 mths 140 Low 0 Multi-Famil 0 % Nei hborhaod Boundaries: Sub ect is bounded on the north b PA Turn ike Rt. 76 on the east 225 Hi n 100+ commerciai 0 % and aouth b I 81 and on the west b Centerville Rd. 160 Pred. 40 ome� 75 % Good Aver. Fair Poor Good Aver. Fair Poor Convenience to Em lo ment X Pw ert Com atabilit X Convenience lo Sho in X General A earance of Pro erties X Convenience to Primai Education X Ade uac of PolicelFire Protection x Convenience to Recreational Facilities X Protection ham Detrimenlal Conditions X Em lo ment5labilit X OverallA ealloMarket X Nei nnornood Descri �ion: The sub ect site is located in the rural villa e of Plainfield in West Pennsboro Townshi . There are no adverse factors to affect marketabilit of the sub ect. Diverse stable em lo ment and all su ortin amenitiea are within reasonabie distance. M SA 3240 rnarkeicondi�ions incmdin su or�tortheaboveconclusions : Pf0 ert values currentl are stable. Locai multl-list data indicates an avera e marketin time of 90-180 da s. Eco�omic trends and tendin rates have remained favorable. Salea concessions are occurin m ore fre uentl • however there Is no known revelance of unusual seller financin concessions or bu downs. There are new homes under construction in surroundin develo ments as well as resales available in the nei hborhood. oimensions: See legal descrtptionitax map area: 3 X Acres . sq.Fi. snape: irreaular view: Resfd/0 en Countr Zoning Ciassiticalion: M U Zoning Description: M ixed u8B Zoning Compliance: X Legal Legal Nonconforming(Grandfathered Use) No Zoning Illegal(describe) Uses permitted undercurrentzoning regulations: See zonln o�dlnanCe in the addenda Of thi5 �e O�t Hignesia sesiuse: Current use or an use erm itted under current zonin Describe any improvements: N0�8 Do present improvements conform to zoning? Ves No X No improvemenis It No,explain: Presentuseofsubjectsite: V8C8tlt 18�d Currentorproposedgrountlrent? Yes X No nves,E Topography: Basicall level Size: Lar er tha� normal Drainage: A ears ade uate ComerLot: Yes X No UndergroundUtilities: Yes X No Penced: Yes X No OYes,rype: Speciai Flood Hazatd Area ❑ Yes XQ No FEMA Flood Zone:X FEMA Mep#: 42041 CO208E FEMA Map Date: O3I1B/2009 UTIUTIES Pu61ic Other Provider or Descri tion Off-Site Im ravements T e/Descri tion Public Olhe� E�ectricit X Available streetsurface As halt X cas streecT enntmence Townshi INeutral Water X to be well CurblGutter None Saniter Sewer X Available Sidewalk None Other Stree�li hls None Other Alle None Are the utilities and off•site improvemenis typical for ihe market? X Yes No Ii No,describe: Aie there eny adverse site conditions or external facmrs(easements,encroachments,environmenlal conditions,land uses,etc.)? Yes X No If Yes,describe: There are no a arent adverse easements or encroachments. Well is common for the area and has no adverse affect on m arketabiilit . siie Commencs: Access Is from Back Street with the m a or ortion of the site to the rear behind arcels 97 8 108. Per the townshi ublic sewer is available to the site• however access reater than 150 feet does not re ufre connection to the s stem. ara0�cea us�nB ACi sofiware,800.13d.81Z]www.aciweE com. LAND_30 0506]O1C � � �� , , S. W. Barrett Real Estate 8 Appraisal Services LAND APPRAISAL REPORT Fi�eNO. 13-0255 io S 75 000 There aie 0 com arable siles currentl offeied for sale in the sub�ecl nei hborhood ian in in rice irom E 55 000 to E 75 000 There are 0 com arable sites sold in the ast 12 montAs in the sub�ect nei hborhood ren in in sale rice irom E 55 000 • FEATURE SUBJECT COMPARABLESALEN0.1 • COMPARABLESALEN0.2 COMPARABLESALEN0.3 nddress Back Street Clay Road Kerrsville Road Ritner Highway cic�suzi Plainfield PA Carlisle PA 46-OB-0585-069 Carifsle PA 48-09-0521-114 4a��i nle1eS SN6-09-0519-082 vroximit to Subect 1.45 m iles SSW 2.44 m iles SW oa�esources Courthouse Records Courthouse Records Courthouse Records Courthouse Courthouse Courthouse Verification Source s 5 80 000 Sele Piice S S 70 000 5 70 000 PricelAcre E 0.00 b 22 364.22 S 22 580.65 E 23 255.81 DateolSale MOIDAIYR NIA 11I2011 07/2011 08/2011 oa sonMarkei NIA Unknown Unknown Unknown Financin r e N/A Unknown Unknown Unknown Concessions NIA Unknown Unknown Unknown �ocation Rural RurallSu -5°h •7 118 RurallSu -5% -1 129 Rural/Su -5% -1 183 aro erc rti hisA raised Fee Sim le Fee Sim le Fee Sim le Fee Sim le 5ite Size Acres 3.00 3.13 3.10 2.58 view Residl0 nCountr Residl0 nCntr Resid/O nCntr ReVBd10 nCntr To o ra h Level Level Level Available Ulilities elec well se tic" elec well se tic 1 178 elec well se tic 1 129 elec well se tic 7 �g3 StreetFronta e 38't 50't 317.6't -10% -2 258 245.8't •10% -2 326 streetT e Townshi INeutral Twnsh INeutral Twnsh INeutral Twnsh INeutral Wa�erinfluence NOne None None None Fencin None None None None im rovements Gara e None/Inf. 2% +447 None/lnf. 2% +452 No�elinf. 2% +465 Zo�in M� R R� R NetAdustment Total ins X * E 447 + - S 1 806 + X - 5 1 861 Adjusted sales price of the NetAdj. 2.0% NetAdj. -8.0% NetAdj. -8.0% Com arableSales inE GrossAd 12.0% S 22 811 GrossAd. 22.0% 5 20 775 GrossAd. 22.0% E 27 3 The Appraiser has reseauhed the transfer history ot Ihe suhjec�property for Ihe past 3 years and the listing hisrory of the subjecl for the past 12 months prior to the eflective date of this appraisel. Tbe appraiser has a�so�esearched the transfer and listing history ot the comparable sales for the past 12 months. The appreiser's reseerch ❑did � did not reveal any prior sales or transfers of the sub�ect properry tor the three years prior ro the effec8ve date ot the eppraisal. Data Sources: The appraiseYs reseerch did did not reveal any prior sales or transfers of ihe comparable sales tor the year prior to[he date ot sale ot the comparable sele. Data Sources: 7he eppraisePs research did did not ieveal eny p�ior listings of the subject property oi com paiable sales for the year prior to ihe effective dare of the appreisal. Data Sources: ListinglTransfer His[ory TranstedSale(ONLY)of ihe Listing and Transfer history of Listing and Transler history ol Listing and Transter history o Subject in past 36 months�. Comp 1 in pest 12 mon[hs: Comp 2 in past 12 months�. Comp 3 in past 12 months: (ifmorethan�wo,usecomments a NIA N/A E N/A N/A S NIA NIA b NIA N/A section or an addendum.) S y E � Su6'ectPro ert Is Currentl Listed For Sale? Yes X No De[a Source: CPM LS Da s on Market Data Source Current Lisling History List Date List Price Y NIA S NIA NIA CHR/CPMLS Sub'ectPro ert has been listed within the lastl2 Months? Yes No Date Source: CHRICPM LS List Date List Price Days on M arket Data Source 12 Month Listing History CHRICPM LS N/A E N/A N�A b Comments on Prior SaleslTransfers and Current and Prior Listin s: No further recent recorded transfers were found. Summar oftheSaiesCom arisonA roach: 'Public sewer is avaflable. All com arables are ad usted 5% for su erior location beln located within small subdivisiona. All com arables are ad'usted 5% for lack of access to ublic sewer. Com arable Nos. 2 and 3 are ad usted 10% for thefr su erior fro�ta e. No zonin ad ustm ent considered since the sub ect fs located in the rural villa e of Plafnfleld. All the sales are closed transactions as of the date utilized. All com arable sales are considered e ual indicators of value and wei hed e uall in the final reconciliation. The best available com arable sales were selected and used for this a raisal. Ad usted ran e of value is 20 775 to 22 811 er acre. Sa 21 000 er acre. 3 Acrea x 21 000 er acre = 63 000. Reconciliation Comments. The M atket Data Anal sis su orts m estim ated m arket value of the sub ect. The Cost A roach and Income A roach were found to be ina ro rfate for this anal sis. Greatest wei ht fs a Iled to the Market Data Anai sis. Su ortin file information substantiates the estimate. Thise raisa�ismade X 'asis',or sub'ecttothefol�owin conditionsorins ections: A raisal i5 fo� client onl nontransfe�able. Basstl on acom plat�vlsuallnspeatlon ofthe su6J�ctsltaantl thoea Im prov�menta upon aald slt�,tlafl�etl scope olwork,slat�mantof�saumptlons�ntl Ilm Iting condlUons,antl�pprelser'�carUlleatlon,m y(ou r)opioion of in erkat vslue,is daflnad,ol the real property that Is tha wbJ�ct ol thle report is: O Inlon of MarkstV�lue:S 63 000 �s ot: 1 010 2/2 01 3 whlch le tha dsta oflns sctlon anA ths sftectiva data oithls■ r��s��. vroau�ee�s��9 au sonwa�e,eoo.zan.e�n www.ac�weo.com uNO io ososzoic PaBe 2 0l 1 S.W. Barrett Real Estate & Appraisal Services � � �� , S. W. Barrett Real Estate & Appraisal Services LAND APPRAISAL REPORT FiieNo. 13-0255 .... .. , . .• • . . Uoitt e s Detached ❑ Attached Is the developerlbuilder in conirol of the Homeowners'Association(HOA)? ❑Yes � No YP ( )� ❑ Provide the to�lowing information for PUDs ONLY if the developedbuilder is in conirol of the HOA and the subject property is an attached dwelling unit. Legal Name of Project. Total number of units: Total numbe�of units sold: Total number o�phases: Data source(s): Total number of units rented� Total number of units for sale: Was the projectcreated by the conversion o�existing building(s)into a PUD? ❑Yes No tl Yes,date of conversian: Does ihe projecl conlain any mul�i-dwelling uni�s? ❑ Yes ❑ No Data Source: Are lhe units,common elements,and recreation facilities complete? ❑Yes Q No If No,describe the staws of completion: Describe common elements and iecreational facililies: • • • � • This report torm is designed to report an appraisal of a parcel of land which mey have some minor improvements but is not considered to be an'improved site'.All improvements are cansidered to be of relatively minor velue impact on the overall value af the site.This repor[torm is not designed to report on an"im proved site'where signiticant va�ue is derived trom the Improvements. This appraisal tepon form may be used tor single lamily,multi-family siles and may be included within a PUD development. This appraisal report is suhject to the tollowiog scope ot work,intended use,intended user,definition of market value,statement of assumptions and limiting conditions and certifications. M odifications,additions,or deletions to the intended use,intended user,definition of market value,or assumptions and limiting conditions aie not permitted.The appraiser may expand the scope of work to include any additional research or anatysis necessary based on the commplexiry o1 ihis appraisal assignment.Modifications or deletions m ihe certi(icalions are also not permitted.However,edditional certitications that do not constitute material alterations to this appreisal report,such as those required 6y law or those related to the appraiser's continuing education or membership in an appraisal organization,aie permitted. sCOPE oF woRK: The scope ot work for this appraisal is defined by the complexiry ot this appraisal assignment and the reporting requirements of this appraisal report form,including the fo�lowing definition of market value,statement of assumplions and limiting conditions and certifications.The eppraiser m ust,at a minimum;(1)pertorm a complete visual inspection of Ihe subject site end any limited improvements,(2)inspect the neighborhood,(3)inspect each ot the compara6le sales 6om at least the street,(4)research,verity and anatyze data from reliable pu6lic andlor privete sources,and(5)repoit his or her analysis,opinions and conclusions in this appraisal report. INTENDED USE: ThB InIBndOd use of the appraisal reporl is for the lenderlclienl to evaluete the properry that is the subject of this app�aisal for a morigage finance lransaction. iNTeNDeD uSEtt: The intended user of ihis ieport is the lende�lclient identitied within the appreisal report. DEFINIT�oN OP MArtKET VnLUE: The most probable price which a property should bring in a competitive and open market under all conditions requisite to e fair sale,the buyer and sellei each acting prudently and knowledqeably,and assum ing the p�ice is not affected by undue stimulus.Implicil in this definition is the consummation of a sale as ot a specified date and the passing of 1iUe from seller to buyer under conditions whereby:(1)buyer and seller are rypically motivated�,(2)both parlies are wefl informed or well advised,and each acting in what they consider thei�own best interest;(3)a reasonahle time is allowed tor exposu�e in the open markel;(4)payment is made in terms of cash in United States dollars or in terms of financial arrangemenis comparable thereta;end(5)the price represents the normal consideration fo�the propeily sold unaflected by special or neative financing or sales concessions'grented by anyone associated with the sale.(SOUrce:OCC,OTS,FRS,&FDiC joint regulations published June 7,1994) 'Adjustments to the comperebles must be made tor special or creetive concessions.No adjustments are necessary for those costs which are normally paid by selleis as a�esult of tradilion or law in a market a�ea;these costs are readity identifiable since ihe seller pays these costs in virmally all sales trensaclions.Special or creative financing adjustments can be made to the comparable properry by comparisons to tinancing te�ms offered by a third peny institunonal lender thal is nol already involved in the properry or lransaction.Any adjustment shoutd not 6e calculated on a mecbanical dollar for dollar cost of the financing or concession but the dallar amount of any adjustment should epproximate Ihe markeYs reaction to Ihe tinancing or concessions based an the appraiser's judgmen�. STATEMENT OF ASSUMPT�ONS AND LIMITING CONDITIONS: The eppfaiSB��S tBfti�iCdtiOn i0�hi5 fepOft IS SUb�eCl�0 fhB�OIIoWiOg eSSUmP�1o05 dfld IIrtIIfi09 C00 It10n5'. 1. The appraiser will nol be responsible for matters of a legal nature that affect the subject prope�ry 6eing app�aised or the tide to it,excepl tor informatian that he or she became aware of during the research involved in performing Ihis appraisaL The appraiser assumes that the title is good and merketable and will not render any opinions aboutthe title Z. The appraiser has ezamined ihe availahle tlood maps that are provided by the Federal Emergency Management Agency(or other data sources)and has noted in t is app�aisal report whether any portion o1 the su6ject site is localed in an identified Special Flood Hazard Area.Because the appraiser is not e surveyor,he or she makes no guarantees,express or implied,regarding this determination. 3. The appraiser will not give testimony or appear in court because he or she made an appraisal of the property in question unless specific errangements to do so have 6een made betorehand,or as otherwise requi�ed by law. 4. The appreiser has noted in this appraisal report any adverse conditions(such es the presence ot hazardous wastes,toxic substances,etc.)observed during tbe inspection of the subject properry or that he or she became aware ot during the�esearch involved in perform ing this appraisal.Unless atherwise s�ated in this appraisal report the appraiser has no knowledge of any hidden or unapparent physical deficiencies or edverse canditions of the subject property(such as,but nat limited to, needed repairs,deterioration,the p�esence of hazardous wastes,toxic substances,adverse environmentel coaditions,etc.)that would make the property less valueble, and has assumea thet there are no such conditions end makes no guarantees or warranties ezpress or implied.The app�aiser will no�be responsible tor any such conditions that do exist or for the engineering or lesting lha�might he requiretl to discover whether such contlition ezist.Because�he appreisei is not an ezper�in the field of environmen�al haZards,Ihis epp�aisal mu5t not be considered as an environmenlal assessment of Ihe property. APPRAISER'S CERTIFICAT�ON: The Appreiser certifies and agrees that 1. I heve,at a minimum,tleveloped and reported this eppralsal in accordance with the scope of work requirements slated in lhis appraisal repott. 2. I periormed a complete visuel inspection ot the subject site and any limiled improvemen[s.1 have reported lhe information in factual and specific terms.1 identified and reported the deficiencies of the subjecl site that could affec�ihe utiliry of the site and ils usefulness as a building lot(s). 3. I pertormed this appraisal in accordance with the requiremenls of ihe Unitorm Standa�ds of Pwfessional Appraisal Practice thatwere adopted and promulgated by the Appraisal Standerds Board of the Appraisal Foundation and ihat were in place at ihe time this appraisel reporl was preparetl. 4. I developed my opinion of the marketvalue of the real properry thet is the subject of ebis report based on the sales comparison approach to value.I have adequate compareble market data to develop e reliable sales compaiison approach lor this appreisal essignmenL 1 further certity that I considered the cosl and income approaches to value but did not develop them unless indicated elsewhere wihtin this report as there are no or very limited improvements and these approaches to value aie not deemed necessary tor credible�esull and/or reliable indicators ot value for this appiaisal assignment. 5. I researched,verified,analyzed,and reported on any corrent agreement for sale for the subject property,any affering for sale ot the subject property in the twelve months priot m the effective date of Ihis eppraisal,and the prior sales of the subject properry for a minimum ot Ihree years prior to the effective date of this appraisal,unless otherwise indicated in this report. 6. I�esearched,verified,analyzed,and reported on the prior sales of Ihe comparable sales for e m inimum o1 one year prior to the dae of the sale of Ihe comparable sele, unless otherwise indicated in this ieport. 7. I selected and used com parable sales ihat are locationally,physically,and functionally the mosl slmilar ro the subject properry. 8. I have not used comparable sales thatwere the resultof combining multiple iransactions into reported seles 9. I have reported adjustments to the comparable sales that reflect the markePS reacfion to the differences between Ihe su6ject property and the comparable sales. 10. I have verified,trom a disinte�esled source,all information in ihis report that was provided by parties who have a financial interest in the sale or�inancmg of the subject properry. 11. I have knowledge and experience in appraising this type of property in this market area. 12. I am aware of,and have access to,the necessary and appropriate pu6lic and private da�a sources,such as multiple listing services,tax assessment records,public land records and other such data sources for the area in which the propeny is located. Proaucea us�n4 hC�i so��peJ!3 p1 aI�B]1]www.eciweb.con '�AN�_10 OSOfi�OlC � � �� S. W. Barrett Real Estate 8 Appraisal Services � LAND APPRAISAL REPORT FileNO. 13-0255 . . � 13. I obtained the intormation,estimeales,and opinions turnished by other parties and expressed in this appiaisal report Irom reliable sources that 1 believed!o be true and correct. 14. 1 have taken into consideration[he tacmrs thet have an impact on value with respect m the su6ject neighborhood,subject property,and the proximiry of the su �ect pwperty lo adverse influences in the development o1 my opinion ot market value.I have noted in this appraisal report any adverse conditions(such as,but not limited to,needed repairs,deterioration,the presence ot hazardous wastes,toxic substances,adveise environmental conditions,etc.)observed during the inspection of lhe su6ject property oi lhat I became aware of during the research involved in performing this app�aisal.I have considered these adverse conditions in my analysis of the property value,and have ieported on the ettect ot Ihe conditions on the velue end markelabifiry o�the subjec�properry. 15. I have not knowingty withheld any signiticant intormalion from Ihis appiaisal report and,to the best of my knowledge,all slatements and information in this appraisal report are true and correct. I6. I stated in this appraisal repart my own personal,unbiased,and p�afessional anatysis,opinions,and conclusions,which are su6ject only to Ihe assumptions and limiting conditions m this appreisal report. 17. I have no present or piospective inteies�in the properry Ihat is the subjecl of Ihis report,and I have no present or prospective personal interest or bias with respecl to Ihe participan(s in the transaction.I did nol bese,either partialiy oi completely,my analysis andlor opinion oi markel value in this appraisal report on the race,color,religion, sex,age,marital status,handicap,familial staWS,or national origin ot either the prospective owners or occupants of the subject properry or ot the piesent owners or occupants of the properties in the vicinity of the subject properry or on any other basis prohibited by law. 18. M y employment andlor compensation for perfoiming this appraisal or any fuwre or anticipated appraisals was not conditioned on any agreement or understandmg, wriUen or otherwise,that I would report(or present anatysis supporting)a predetermined specific value,a predetermined minimum value,a range or direction in value, a value that favors ihe cause of any pa�ty,or ihe attainment of a specific result or occurrence ot a specific subsequent event(such as approval of a pending mortgage loan application. 19. I personally prepared all conclusions and opinions about the real eslate that were set forth in this appraisal repart.If I relied on significant real praperry appreisal assistence from any individuals in the performance of this appraisel or the preparetion of lhis appraisal report,�have named such individual(s)and disclased ihe specific tasks performed in this appraisal�eport.I certity that any individual so named is qualified to perform the tasks.I have not authorized anyane to make a change ro any item in this appraisal report;therefore,any change made to this app�aisai is unauthorized end I will take no responsibility tor it, 20. I identilied the lendedclient in this appraisel report who is the individuel,organizetion,oi agent tor Ihe organizatian that ordered end will�eceived this appreisal�eport. 21. The lendedclient may disclose or distribute this appraisal report to:the 6orrower;another lender at the request of the borrower;the mortgagee or its successors end assigns;mortgage iosuiers;povernment sponsored enterprises;other secondary market participants;data collection or reporting services;professional appraisel organizations;any depanment,agency,or instrumentaliry of Ihe United States;and any state,the District of Columhia,or other jurisdictions;without having to oblain the appraiser's or supervisory appraiser's(if applicable)consent.Such consent musi be abtained before this appraisal report may be disclosed or distributed to any otber parry(including,but not limited lo,the public ihrough adverlising,public relations,news,seles,or othei media). 22. I am aware[hat any disclosure or distribution of this appraisat ieport by me or the lenderlclient may be sub�ect to certain laws and regulations.Furthei,I am also sub�ecl ro Ihe provisions ot the Uniform Standards of Protessional Appreisal Practice that pertain to disclosure or distribuGon by me. 23. The borrower,another lender at the request of�he borrower,the mortgagee or its successors and assigns,mongage insurers,government sponsored enterprises,and other secondary market participanls may rety on this appreisal report as part of any mortgage finance transaction that involves any one or more of these parties. 24. It this appraisal report was transmitted es an'electronic record'containing my'elec[ronic signalure',as those teims are detined in applicable lederal andloi stale laws (excluding audio and video recordings),ar a facsimile transmission of this app�aisal report containing a copy or representation of my signature,the appraisal report shall be as etlective,enforceable and valid as if a paper version of this appraisal report were delivered containing my original hand written signature. 25. Any intentiona�or negligent misrepresentation(s)contained in this appreisal report may resull in civil liabiliry andlor criminal penalties including,6ut not limited to,fine or imprisanment or both under the provisions of TiUe 18,United Stales Code,Seclion 5001,et seq.,or similar slate laws, SUPERVISORY APPRAISER'S CERTIFICATION: 7he SupetVlSOry Appfal5er Ceft111eS end agre¢5 thet'. 1. I directly supervised the appraiser foi this appraisat assignment,have read the appraisal repon,and agree with the appraiser's analysis,opinions,statements, conctusions,and the appraiser's certification. 2. I accept fult responsibiliry for the contents of this appraisal report including,but not limited to,the appraiser's analysis,opinions,statements,conclusions,end the aDPaiser's certitica6on. 3. The appraiser identified in this appraisal report is either a sub-contractor or an employee oi ihe supervisory appraiser(or the appraisel tirm),is qualified to perform this appraisal,and is acceptable to perform this appraisal under the applicable state law. 4. This eppreisel report complies with the Uniform Standards ot Protessionel Appreisal Practice that were adopted and promulgaled by the Appraisal Standards Board of The Appraisal Foundation and lhat were in place at the time Ihis eppraisal report was prepaied. 5. If this appraisal report wes hansmiued as en'elecnonic record'containing my'electwnic signature',as those terms eie detined in applicable tederal andlor state laws (excluding audio and video recordings),or a facsimile transmission of this appraisal reporl coataining a copy or representation of my signature,the appiaisal report shall be as eflective,enlorceable and valid as if a paper version of Ihis appraisal report were delivered containing my original hand written signature. SUPERVISORY APPRAISER(ONLY IF REQU�RED) APPRAISER� � � �'�• ✓ 1 Signature Signature Name Steven W. Barrett SRA. SRPA Name CompenyName S W Barrett Real Estate 8 Appraisal Svcs _ companyName companynddress 505 South Hanover Street CompanyAtld�ess Carlisle PA 17013 Telephone Number 717-243-6646 Telephone Numbe� EmailAddress St@V8(fD8Wb8«8tt COI►1 _ EmailAddress Date of Signalure and Repon 11I0112013 De�e of Signature . Ettective Date otAppraisa� 1 010 212 0 1 3 Sta�e Certitication a S�ate Cer�ificalion a G A000298L or State License n State or State License a or Other(describe) State++ Expiration Date of Cenitication or license slate PA Expiration Dete of Ce�tificalion ar License 06/30/2015 SUBJECT PROPERTY PA Certified General Real Estate Appraiser ❑Didnotinspectsubjec�property ADDRESS OP PROPERTY APPRAISED ❑Did inspect exterior af subject property from street Back Street Date of Inspection Plainfield PA 17081 APPRAISED VALUE OF SUBJECT PROPERTY S 63,000 COMPARABLESALES LENDERICl1ENT Name ❑Did not inspect exterior ot comparable sales from sireet Company Name M artson Law Offices ❑Did inspectexterior of comparable sales from street CompanyAddress Ten East High St�eet _ Dateof�nspectwn Carlisle PA 17013 Email Atldress ama�ced�s��a nci souwa�e..eoo za<.e�sr www.eoweo.�or�� uNO_io osoeaoic Vege a ol d � $.W. Barrett Real Estate 8 Appraisal Services i � �� b USPAP ADDENDUM FileNo. 13-0255 Borrower: J Richard 8 Doris S ZIM M ERM AN Property Address: Back Street City: Plainfield County: Cumberland State: PA ZipCode: 17081 Lender: Martson Law Offices Reasonable Exposure Time My opinion of a reasonable exposure time tor the subject property at the market value stated in this report is: 90-180 Additionai Certifications �I have performed NO services,as an appraiser or in any other capaciry,reqarding the property that is the subject of this report within the three-year period immediately preceding acceptance of this assignment. �I HAVE performed services,as an appraiser or in another capacity,regarding the property that is the subject of this report within the three-year period immediatety preceding acceptance of this assignment.Those services are described in the comments below. Additional Comments APPRAISER:�+_ } � —_ SUPERVISORY APPRAISER(only if required): �—� ��t� Signature: Signature: Name: Steven W. Barrett. SRA. SRPA Name: Date Signed: �1/0 112 01 3 Date Signed: State Certification#: GA000298L State Certification #: or State License#: or State License #: or Other(describe): State#: State: State: PA Expirauon Date of Certification or License: Expiration Date of Certitication or License: 06/30/2015 ,S�upervisory Appraiser inspection of Subject Propert : Etfective Date of Appraisal:�0102/2013 U Did Not ❑ Exterior-only from street �Interior and Exterior P�oa��eo�s��e Aci soiiwa�e,eocs3<.em www-auweo.�om usana_isNr osv�mz I I �� 3� File No. 13-0255 ********* Q U A L I F IC A T 10 N S *******'"* The following checked items are SPECIFIC SPECIAL CONDITIONS that were identified by this appraiser during the inspection of the subject property, the comparables sales, and their neighborhoods and locations. Unless otherwise noted, the conditions that apply to the subject property or the comparable sales used DO NOT AFFECT THE MARKET VALUE OR THE FUTURE MARKETABILITY OF THE SUBJECT PROPERTY BEING APPRAISED. This is not a home inspection service. This is an appraisal to estimate market value. _x__1. The subject is located in a rural area and is less than 25°k built-up. 2. Commerclal/industrial uses are located within the subject's neighborhood. These uses are typical of simflar neighborhoods. x__3. Vacant and u�developed land uses are located within the subject's neighborhood. These uses are typtcal for the area. 4. The predominant value in the neighborhood is less than that of the market value of the subject property. This is due to the very wide range of value of properties in the area and superior quality of the subject property. ____5. The subject property is located in a F.E.M.A. Identified Flood Zone. Flood insurance coverage Is required and suggested. __6. Dampness is noted in the basement of the subject. Standing or running water was not present on basement floor. This condition is considered typical in dwellings of this style. _x__7. The subject property is serviced by private well and/or septic systems which is common for the area. 8. The subject is older than five(5) years. All mechanfcal systems fncluding the heati�g, electrical and plumbing systems appear upon a visual exterior inspection to be in working order. No warrantles a�e implied in this statement. __9. Repair items were noted in the comments section of the report. These comments on repair items are for descriptive purposes only and are not required repairs. The items listed are cosmetic in nature. 10. The basement floor is a dirt floor. This condition is common and typical for the area. and does �ot pose a health or safety hazard. ___11. The subject property does contain functional obsolescence as noted in the report. Th1s condition is considered typical and common for the area and this style dwelling. 12. The land value exceeds 30% of total value due to the high demand for vacant land in this neighborhood. This condition is considered common and typical for the neighborhood. 13. The land value exceeds 30°k of total value. This is due to the large size of the site. This conditfon is considered to be typical and common. 14. Individual adJustments were required that exceed 15%. These adjustments were required due to lack of more similar comparables on that individual rating. Atl comparables used are the best available. _ 15. Total adJustments exceed 25°k. This is due to the lack of comparable sales that were more similar fn the subject'a market area. All comparables used are the best available. x 16. One or more comparable sales are older than six(6) months. Although there are comparabfe properties in the subJect's area, none have sold recently; therefore, sales in excess of six(6) months have to be used. All comparables used are the best avallable. _x_17. One or more comparables used were in excess of one (1) mile from the subject property. Although there are comparable properties in the immedlate area, none have sold recently. Therefore, it was necessary to use comparable sales outside of the immediate area. All comparables used are located In similar neighborhoods and within the same marketing area. All comparables used are the best avafla6le. ___18. The electrical system was �ot connected during inspection. 19. The water service was not connected during inspection. ___20. The heating system was shut down during inspection. ___21. Roofing____Plumbing____Electrical____Heating____certification(s) is/are suggested. ___22. Inground swimming pool____, out buildings_____are included_____,not included____according to lender's guidelines. ___23. According to lender's guidelines a maximum of____acres were considered forthis valuation. Remafning acreage was given no value. � � C�� `f File No. 13-0255 ********* Q U A L I F IC A T 10 N S ********'` ___24. The subject property is located on a private road. 25. Wood infestation inspection is suggested. x 26. Last recorded deed transfer: Date 07/30/1991___, Consideration: $110,000________. ___27. Proposed construction/renovation in accordance to plans and specifications to be completed in a workman-Ifke manner. ___28. Seller is paying part or all of closing costs. _x_29. All comparable sales are verified closed sales. x 30. There are no special conditions or other requirements that would affect market value or future marketability in the Appraisal Report. ___31. AMC fee was required in order to accept this appraisal request. � � b� �`t File No. 13-0255 ********* Q U A L i F IC A T 10 N S *******"'` Confidentiality and Security Policy We consider privacy to be fundamental to our relationship with clients. We are committed to maintaining the confidentiality, Integrity and security of clients' personal i�formation. Internal policies have been developed to protect this confidentiality, while allowing client needs to be served. We restrict access to personal information to authorized individuals who need to know this information to comply wfth federal standards to protect your nonpublic personal information. We do not disclose this Information about you or any former consumers or customers to anyone, except as permitted by law. The law permits us to share this i�formation with our affiliates. The law also permits us to share this information with companfes that perform m a�keting. When we share nonpublic information referred to above, the information is made available for Iimited purposes and under cont�olled circumstances. We require third parties to comply with our standards for securfty and conffentiality. We do not permit use of consumer/customer informatfon for any other purpose nor do we permit third parties to rent, sell, trade or otherwise release or disclose information to any other party. Education As of the date of this report, I and/or Steven W. Barrett, SRPA, SRA, ASA have completed the requirements under the continuing education program of the Appraisal Institute and the Am erican Society of Appraisers. I y �-� �3� � SUBJECTPROPERTYPHOTOADDENDUM Borrower� J Richard 8 Doris S ZIMMERMAN File No.: 13-0255 Propertv Address� Back Street Case No.: Citv' Piainfietd State PA Zip: 17087 Lendef: Martson Law Offices `�u+ k�T�'''"� lr" �,'-•I W� ��`'§ 'i��°'�'� FRONT VIEW OF ��R� � SUBJECTPROPERTY ��; �I� � ' Appraised Date:October 2, 2013 Appraised Value: $S63,000 REAR VIEW OF - SUBJECT PROPERTY . , ,, ��'-_ ±� , � ` STREETSCENE � _-�� L� i i� ` i � �i .�� i _ - , � , :. r -- � � � � f -�--;��--- -y'' ' " � t. , �!.",°�^ "' . �� 5 �� 3� Borrower: Richard 8 Doris S ZIMMERMAN File No.: 13-0255 Pro ert Address: eack Street Case No.: City Plainfleld State PA Zip: 17081 Lender: Martson Law Offices ;�� .�� Old Garage '�,.¢,-�,Y �, i , _<._. ,. :;�;r_ �. �-r. �.i � �,,,�:�.. r�--. ;.N-'� � �.. �....�.�- I �� s � �i`�M II I �„ Street (opposite view) ,��<, 'i y� ;" �-� � �__ _ ',. 'e I �� ,:� .a � ,� .. I vrooucea us��P nci sonwa�e.eoo,zaa.cin www.ec�w.o ro��. vH�a osl�zoi_ I� �� `� ' ' ,! ' . { I � I I I . ( I 1 � I k�_ccR��:n-orFicr oFri�� e=c;,�;�r,; ��ur.�.�s ` DEED cu,•�_��.R�nr;�ccu�n•r-Pn. i ! , '91 JUL 30 PPl 3 07 � I THIS DEBD made lhis ��`clay of .1.�_�_� 1991, ! BETWE�N: RUTH M.WEAVER,a/k/a,M.RUTH WEAVER,widow and single woman, of West Pennsboro Township,Glimberland County,Pennsylvania,hereinafter called"GRAIVTOR", � AND ,T.RiCHARD ZIMME[tMAN and DORIS S.ZIMMERMAN,his wife,of West - Pennsboro Township, Cl�mberland County, Pennsylvania, hereinafter called ' "GI2ANTEE": � WITNESSETtI: � That in conrideration of One Hundred Ten Thousand Dollurs and 00/100 ' � ($110,00a.00), in harul paid, the receipt whereof is hereby acknowtedged, lhe Grantor does ! I hereby gran!anrl convey to tlie said Granlees, dieir heirs and assigns: ! ALL those two certain tracts of land situate in West Pennsboro Township, j Ctimberland County, Pennsylvania,more particularly bounded and described as follows: i TRACT NO.l: BEGIIdNING at a railroad spike in the centerline of Township � Road 457, public road leading from Pfainfield to Greason, which point is on the dividing � line betwcen I.ou 1 and 2 on a subdivision plan prepared by Thomas A. Neff, R.S., and recorded in the Office of the Recorder of Deeds in and for C.limberland County, Pennsylvania,in Plan Book 30,Page SS;thence along said dividing line betwaen Lots 1 and 2,along th�western side of Lot No.2,South 7 degrees 30 minutes East,232•2 feet to an iron pin;thence continuing along the aforesaid Lot No.2,North 82 degrees 30 minutes East, i90 feet to an iron pin in line of land conveyed by the Grantor to Clair V,and Barbara A. Hefflefinger by deed dated May 4, 1972 and recorded in the Office of the Recorder of Deeds in and for C1�mberland County, Pennsylvania, in Deed Book"P", Volume 24,Page 408; thence along the southern line of said land of Hefflefinger, North 82 degrees 30 minutes East, 120.29 eet to a point in the center of a lane;thence along the centerline of � said lane, adjoirung land now or formerly of Charles F. Nelson, South 15 degrees East, 802.50 feet to a point in the center of said lane;thence continuing along the same,South �eg-rees East, 589.05 feet to a point in line of other land of the Grantor,Tract No. 2 ! descrihed herein; thence along said Tract No. 2, South 68 degrees West, 7�feet to a ( point in line of land now or formerly of J.Richard Zimmerman;thence along said land of iZimmerman,North 19 degrees 30 minutes West,912.45 feet to a poinr, thence contiauing • � i SOUK�S PACE�.O$� , �.._ ______ ' � � �� 3`� , ; , � . � _. ... -�----- "' C�tJi1�AUNvvtAi�l•i Uf PENIvSYLVt�NIA-- `"' CC,k41alUN�1JlNUii G`h PENNSYI.�/Afd!/\;;= e„ Ei[PARTMENT QF REYFAIUE -- ' ^+ UEPf�RTPAE�IT UF�VEN'JE ,y^, __ �� _, ri�^1 �"'" _ . ir. �._--:�,> � �r RcR;T.Y Ir�n�!'ft,��r.�� r il 4. �� y R.;.'TY '""—'—' � � tftA�15f22.11llJ�?91 \ ��*'" ) , �u;�tSF[��i�s��f � �' j :) f). ��I]�.- -- iqf `'—� � �.,.-...1 _ "- !A� � f ' � � .. , , :!C.��G3 �� . .. �.C.IIJ:: ...�....,...._...a:.-. . . • I atong same,North 11 degrees 30 minutes West,668.25 feet to an iron pin in the centerline ; of the aforesaid Township Road,T-457;thence alo g he centerline of said public road,T'- 457, North 57 degrees East, 181.50 feet to a point in the conterline of said road; thence , continuing along the centerline of said road,North 67 degrees East, 183.65 feet, more or i less,to a railroad spike in line of L.ot No.2 on the subdivision plan hereinbefore mentioned, the place of II�GINNING. I CONTA.IHING approximately?A.808 acres,and having thereon erected a hvo- i story aluminum dweliing house and other outbui c�ings• : BC[NG a part of the same tract of land conveyed by deed of John K.Binkley and Margaret Binkley, his wife, to Richard P. Weaver and M. Ruth VGeaver, his wiEe,by deed dated April 8, 1932 and recorded in Q�e Office of the Recocder of Deeds in and for � Cumberland County,Pennsylvania,in Deed Book"F">Volume 11,Page 585,and being the same tract of land designated as Lot No.1 on the subdivision plan of Thomas A.Neff,R.S., � and recorded in Plan IIook 30,Page S5,as aEoresaid. Tract No. 1 is the remaining portion I of that tract of land acquired by the Gcankor's predecessor in title and recordeci in Deed Book"K",Volume 8,Page 420. � TRA TC NO Ze BEGINNING at a point in a line at the southern boundary • line of the hereinbefore described Tract No. 1; thence through the center of the � aforementioned lane and along property now or formerly of Charles F.Nelson, South 37 degrees East, 36, 3__;�00 feet to a point in line of land now or iormerly of Merle K Myets; i ti�ence along said land of Myers, South G8 degrees West,772.20 feet to a point in line of � land now or formerly of J.Richard Zimmerman; thence along said land of Zimmerman, I�Iorth 19 degrees 30 minutes West, 3514 eet to a point on the southern line of.the � hereinbefore described Tract No. 1;thence along the southern line of the said Tract No. 1, � North 68 degrees East, 772 20 feet, more or 1ess, to a point in the center of the � a£orementioned Iane, at lanc�o�Charles F.Nelson, the place of BEGINNING. CONTAINING G.68 acres, more or less. j i BGING the smaller part of that tract of land conveyed by Jol�n K.Binkley and Margaret Binkley,his wife, to Richard P.Weaver and M. Ruth Weaver,his wife,by deed i dated April 8, 1932 and recorded in the OfEice of the Recorder of Deeds aEoresaid,in Deed Book "F", Volume 11, Page 585, and being the same ttact of land acquired by the predecessor in title of the Grantor, by Deed recotded in the Office of the Recorder of Deeds,aforesaid,in Deed Book"K",Volunoe 8,Page 419,and being the same tract of land as described in a subdivision plan hereinbefore mentioned of Thomas A. Nel'f, R.S., and z � �, �ypaX�5 PacE1Q 59 ( ' , ( ` ' . � I i I , � i � i I � � I j � 3� . � , ; , , ' � ; , � � , , � I . � � . • • recorded in Plan Book 30,Page 55,but not part of that subdivision. THG aforesaid tracts of land were owned by Richard P.Weaver and M.Ruth i Weaver, his wife, as tenants by the entireties and by virtue of the death of Richard P. Weaver on the 2nd day of April, 1969,title became vested in M.Ruth Weaver,ihe Grantor iherein. AND the Grantor hereby covenants aral agrees that she will warrant generulfy the property hereby conveyecl. IN WITNESS WHLRCOF,said Gruntor has hereunto set her hancl and seal the � day and year ftrst a6ove written ; i Signecl, 5ealed and DeGvered � in 1he�Presence of.• . ' /1,tUsi.� ��x.(,c.�`°✓ .C,t.�� ( Rutf M. Wea��J . � � . ' � 4,`�- � 7��.._� �,��x�-L.� j � . , a/k/a, M.Ruth Weaver ; . TaMn+rhipof ✓�/� P//�S�u.a Cumb,Co.,Pa ..!'K 11NI E�tet�7unNer Trx p�y"��7� �.��,�� .� � k�(�.I- �� , ; paw.�a ara ca. � � 1 {J , c/ J��Y �/ School 0ist`Cumb.Co.,Pa ; 1%RealEsteteTrsn�s�fe-r�T.u-�t � • Dete�^3°��Amt11.�.Z.=.� � /� '✓. .n • /�! ic-1�i' �•� � g,�,j, Cumb.Cc.Dls� 1.byl.. . 3 � i aco� F�35 PA��1060 � � . I�i �� 3� . . \ � _.____.—.------ � _.-- .----- f � , ' ' . i I • I COMMONWEALTII OT P�NNSYLVANIA ) � :ss. COUN7Y OF CUMIIERLAND ) � pn Uiis, the 7�Gt�- day of 1991, before me, the undersigned f � o�cer,persanally appeared RUTlf M. WEAV R, a/k a, M. RUTH WEAVER,known to rne I (or satrsfactori(y proven) lo be the person whose na+ne is subscribed to tlie wi�hin in.slrwnent, , cuid acknawledged lliat slie executed smne for!!te purposes therein contained. l .• �,�j;711 vkV TNCSS WII�RLOF, I hereuneo set niy Jiand a�ui official seab � :<<,A.'��r�`��;`��;R ;•'��. `�c��'�.s%t�;�)�� ^'� � :v��'•��",.:��'�:'^�.�r,.+ � � :f-: .. �4.-.,.r , a, (�or aia�seni ' �A�''�+:n'•„��'�'��:'•: OLDER.Natary Publk ' ; v. TERESA J.B�f Pa. �•.�.�..J��;.:r. 't^�r��1�'� %.y0��:;5��y::;�*� Shippencbury Bao.Cumberla 9�991 .�.�i� ' r;�,��+, • �,t�,Cpmrnissioa Ezpires Sep � ��:.{�:.�'.�;��;;�;�'o liereby cenify that tl:e precise residence an caniplete post o�ce adcG•ess of I the witfiin narned Cra�uees is.�a.ao,c/3,��'�,NF.ca�,"�i} �70�'/ • • � . or .�-- Atforney for_��%�� I i COMMONWEALTH OF PENNSYLVANIA ) • . ss. COUNTY OP CUMBLRLAND ) R�CORDED on tltis�.+��day of 1991, in!{ie Recorder's O�ce of the said Gounty, in Deed Liook�� Yolume Page US f if��j�?�:x�a'#�. , ,• `+�'!x�-`�i'J�e►i under my ha�ui and seal of the said offce, dse dale above written. ,t,'��'�y F;� �� ,� � . :;�Px y � ��+,'�,_� `'s �* � ,.��f�P�C'�" � �,. , ,;,. , „, -. . �,� ��f�:.s. � �.,, ,,;;dri rC�.1r�ty � .�,;; + , , rr`�1.��,<;;;°,37"j,:`.'4Cr": � . Yr� .v"4�;. �� V.i�1�:1�1.• .':y�,�;I.fi �J�� I tkL`,y�i,y.{,::��'- �Q.CC1��J1 (�` l�Xll�cJ �ti..`�{::� U i 4 , • ' � � ' OGOK}�35 PAGE�OS� �i I � � a b-� 3�I . , I , � ♦ I 1 1 V I I V I I I I � ' I .. .. .. 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' ` � _ : ; , . _ g � a , �. � •� � � � � • � , ��_. .� ' �F _ � ... +......'�... � . .,. { t .� *a. �� i�. ��_�. � v - , > . ,. � , ,y ..r . �. .�� ..,. �. .�ryG , �.r+k �.- , .,..., �«, . . " K �- ' "� . .-� -... � . x g� . . �'�_ .+,• . . --��-. „- . . .t �t *�.�, . ... � , i ��,-..� .. : . ' ' ?x• �t"��,�, w` � �_��, X.,, _,�r' . . . _. . � � �, =e��'� �w.:, y" _:6�.:.r .. r ,i�/� . �_r ' � ,.r � . ,��,,.. ; � - � . �;..'��sy� ., $..� �. .q.5.`r .�" i^ .�� . _ . -.. j�aJ �'' i fi'�" , � .. � °�� t � ,as� ....+ t i . ,. _ �� ' Pw-._ , }r s n+r' .. �� :w�W � � .. * F� ..F'�4T,•d":.: b �� k � * h ' � � . . ... t�: ..� ��•'•� . � ' . .. . � � � � F� �' �', . � ��"�: � � �� . � w� � t�� . � s � � �, �,, , �� s ��E� ��:: ��'` � �.; `°� ..a,,,,_ _ p,�` � k ?� Y�, ,��r*# . .. � � ��w� ��'.. � � . � , $ 4 . � .. . .. .. ' .. . ' .� . . > � . .} . . . . . ' , . . � . f e. .. ' .c+!Mr" q""'E . . � ,. � � .. µ.y � �R . .. � ,we'�'�^'�� . r ¢ � '�� ' F � .- .. . ... �,..�---'�.„�.� ,�.. �au. ^ . :. ' ' � ... .�j,.SY`'/ +* ,,,,.M+s'g"n'�,:,..a' ,.. ,�i -. "tF,: . p�"��e.�,a, , . f. ..._ s a, '� ` . _ N � r . .�'�. } .s.. ✓ P .. i: ._. , � ;# � �� i .�-a� ,^K'�'y�, � _ ' �;�.¥ . �� s �y�„y�...�� . i�NiF �� v . , . ' - ...� ..9 r:: - .,'�' *' • ' ' ,. � .. � L��T�r� ' • � LOCATION MAP BOtrOwef: J Richard 8 Doris S ZIM M ERM AN Flle No.: 13-0255 Pro ert Address: Back Street Case No.: CitY Plainfield State PA Z�D� �7081_ Lendet: Martson Law Offices Enola Rd lower Frankford �� Township �i,,� sC yD�'d Bbsseroitle �'� a �4,� Y C U N! 6 E � � �'°� � � x a . Bur9n,�s� . . ?D o GEekRd �p� �"� Grieder G�� Su6ject Back St -- H---�__--: _.. :— — --Penn3y Plainfield,PA 17081 "'�' _:.=:Fe+��'W�`Tplca."_'- __ -- i� West Hill- �ya�pkE:Q' � E Main Si N�� Bears Crossroads Greason . pamsiabir Comparable Sale 1 � �� Ciay Rd r`� Carlisle,PA 17015 cp �„5,,;�� (1.45 miles SSW} i°. _ ,y� P�,�`� w �� r`. '� � "°'� _�tRo Comparable Sale 2 a�,,3�-��-� `� ' `�� Kerrsville Rd �y�� Carlisle,PA 17015 MiR (2.44 miles SW) �°�w A ;-- Comparable Sale 3 = �,,,� =f'' , y�g Ritner Hwy = .�' '¢� Carlisle,PA 17241 �� (4.94 miles SW} p � ��3, � �� A � 0 � �KS l x .w�'i;::�:,. � ��' �' � � a�� `�''a,, (_�, '�,� ,,. nf _- _- �t,,� �� a .— 3 7+', -W OId Yoi Mooredale � � �' ,Natp°��,� :3. ¢ ^' _ J �IC�Cit1S��t � ; . _ _ � " � C U M fi E s ,, Hockersville ° , ,. , ' -� . ad .�1U��11„�«.. ...r,t��' _ �� ulti.f.. !'J!�...St�.vt::S�UII .+�F d :233 2 7 RuICs y,}at�a+�� . _ pine ad H r — � .�. � �- �� -� 3`� BOffowef: J Richard 8 Doris S ZIMMERMAN File No.: 13-0255 Pro ert Address: Back Street Case No.: CitV Plainfield State PA Zip: 17081 Lender: Martson Law Offices Bargnere Ra O �j� �7 -�. � �. . � � � .. �� ,� °4 ,,,� � e� •oa �� '$. � Subject ,� Back Street o s Plainfield, PA 17081 Q�P �� r A SS 0 c CatM614/p �� b �` � ottwn � i �� s � c� a�t�-9 P �� L�metd�R Greason � � � � � di►ro � �� p,a � o�°� Flood information FloodMap Legend Community:421590-WEST PENNSBORO.TOWNSHIP OF Fbad ZOf1e5 Property is not in a FEMA speciai flood t�azard area. Arcas tr�we�sd oyso(fyeer lboduip Map Number 42041CO2UBE Ma�Uate 03l16f2009 Pan�1:0208E fIPS:42041 Anas oul We ot ihe 100-ana S0A-yaar lbotlqeiK Zone�.X .. ,4�st Y�nOOI�tl py f00�y�m Ilooding �;. 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Q O ��J �j�`'� � "� � � ��%ys� ��-r �� , �`�'d ��-�. �, � � �s � N�� ` �� - N � � � 4 � � � � _ � , pINE�N � _ ,. . ; . ,, f �� x y tg � J6' � �' c k � � � '� ; ' a �� ; `� �� ,�� :,�r � - a x_ � w z � � a~ �� . ; ; , ��, g � `. a � � ,' � t ; � � � � . • � k � b fi � �'�._�,,,�� v� �" � �� )� �' . . . q � €a �'`��`��'{ � t ks� � .�'`�...��.��a a{�.- �� s��Y � � ��. �� - t� �_E�, � �„ .'��F. '� � �� ",�`�`�Z t .�r h� . � . ��. ��, � } � �' �•k�� e'k x �x,S��'*a.� r � �..� {Sl �Yt � � x'�' �h r ss�"��.�. .>� # ��y�`T� �"��+�"a�,��-�`f � ", � � � � � . ,�,' �,� a�� s�� -�`�' � y � �� ; �� ` � +,� ,,�' �` � �€ _ � � r� � °� - ,�� LL ��` '' ' _ r � r � � . _ ;� � �f � 3 � � �' �> � _ � � r � a� 'A r�`; �� .� s ' '' � t, , � __ : z . s. ,r , � o ";„, v. ',r ' 1.�5. �. C. � F° �� f 5�' oa��iw a�o � 0 � KERRSVILLE RO W � ; �� -� 3�'�, ,,, Section 210 Mixed Use Zone (MU) 210.1. Puraose-This�one accommodates a mixture of land uses that have evolved in the Township's villages.Limited businesses have been selected that c�an take advantage of the daily tra�c passing through the Village,whi�e at the same time assure cornpatibility with the numerous dweilings that remain. 210.2. Permitted Uses 1. Forestry uses,subject to the requirements of Section 323 of this Ordinance; 2. NurserylGarden Centers,including sales and/or marketing; 3. Parks and playgrounds; 4. Municipal services and public utilities structures; 5. Churches,church relaied education or daycare facilities and cemeteries in accordance with SecGon 310; 6, Single-family detached dwellings; 7. Banks and financial instiiutions; 8. Accessary uses incidental to the above permitted uses including, but not limfted to, no- impact home based businesses as defined herein; 9. Home occupations; 10. Medical, dental, optical and counseling clinics and offices; 11. Offices; 12. Personal services including:barber and beauty or tanning salons;dry cleaning and laundry pick-upld�op-off facilities; music, art or photographic studios and repalr of Gocks and small appliances; 13. Restaurants;(not to include drive-thru or fast food restaurants); 14. Retail sale of goods; and, 15. Veterinary affices, provided no ouidoor keeping of animals is permitted. 210.3. Conditional Uses(See Sections 705) 1. Automobile service and repair facilities including,but not lim+ted to,auto mechanics,drive- thru lubrication services,and tire,auta paint, brake,muffler,transmission,windshield,auto body,car radfo,and upholstery shops{see Section 407); 2. Bed and breakfasts(See Section 408}; 3. Boarding houses(See Section 410); 4. Commercial day-car�facilities(See Section 415); 5. Duplexes,townhouses and multiple-family dwellings at a maximum permitted denslty of eight(8)dwelling units per acre subjec#to the design requirements listed in Section 414.09. of this Ordinance; 6. Funeral homes(See Section 423); 7. Nursing, rest or retirement homes(See Section 437);and, 8. Restaurants(fast-food or drive-thru restaurants) 9, Two-family conversions(See Section 451). 210.4. Number of Uses-A�y number af the uses altowed in this Zone are permitted within each existing building, provided the building size and floor area remain the same as it was on the effective date of this Ordinance and Section 307 of this Ordinance shall not apply in this instance. �� a-� 3� For new buildings,Section 307 of this Ordinance shail apply in this instance. For existing buildings that are enlarged,the number of uses permittod per building sha11 be the same number(at least one)that occupied the building on the effective date of this Ordinance and Sectian 307 of this Ordinance sha11 not apply in tfiis instance, 210.5. Lot Area Requirements-Unless otherwise spec'rfied, all lots shall have a minimum of si�c thousand(6,000)square feet. 210.6. Maximum Lot Covera4e-Sixty percent(60%). 210.7. Minimum Lot Width—Thirty(30j feet. 210.8. Mi�imum Setback Reauirements-(Principal and Accessory Uses} 1. Front yard setback-All buildings, structures(except permltted signs)and, loading areas shall be set back at least iwenty(20')from the street nght-of-way line;however,where an adjacent building within one hundred feet(100')of a property is set back a lesser distance than required,the average of the lesser distances becomes the required minimum front setback for the property. However,in no case shall the setback line be less than ten(10) feet from any abutting street right-of-way line. No off-street parking is permitted within the front yard; 2. Side ya�d setback-All buildings,structures,off-street parking lots,and loading areas shall be set back a total af at least ten(10)feet from both of the side lot lines with one side being no less than five(5)feet from the adjoining lot line; 3. Rear yard setback-All buildings,structures,off-street parking lots,and loading areas,shall be set back at Isast twenty(20)feet from the rear lot line;and, 4. Residential buffer strip-Any lot adjoining land within a R, R-1, R-2, MHP flr MU Zone shall maintain Mrenty(20)foot setback for buildings and structures,off-street parking lots,and loading areas,from the R-1, R-2,MHP or MU Zane parcels.Such area shall be used for a (andscape sUip. 210.9. Maximum Permitted Hei�ht-Thirty Trve(35)feet. 210.10. Outdoor Sloraqe-No outdoor storage is permitted. 210.19. Of(-Street LoadinA-Off-street loading shall be provided as specified in Section 312 of this Ordinance. 210.12. Off-Streei Parkina-Off-street parking shall be provided as spec'rfied in SecUon 311 of this Ordinance. 210.13. i ns-Signs shall be permitted as specified in Section 314 of this Ordinance. 210.14. Drivewav and Access Drive Reauiremenis-All dnveways serving single family dwellings shall be provided in accordance with Section 309 of this Ordinance. 210.15. Lar►dscapin4-Any portion of the site not used for buildings,structures,parking lots, loading areas, outdoor Storage areas,and sidewalks shall be maintained with a vegetative ground cover and other omamental plantings.(See Section 313 of this Ordinance.) 290.16. Waste P�oducts-Oumpsters may be permitted within the side or rea�yard, provlded such dumpsters are screened from any adjoining roads and/or properties.All dumpsters shall be set back a minimum of twenty-five(25)feet from any adjoining R,R-1,R-2, MHP or MU Zone properties.All waste receptacles shall be completely enclosed. 210.17. All uses permitted within this Zone shall also comply with the General Provisions in Atticle 3 of this Ordinance. 210.98. Commercial Onerations Stand�rds-All commerciat operations shall be in compliance with any Commonweatth of Pennsylvania and/or Federal Govemment regulations,as required by the mosl recent regulations made available from these govemmental bodies.For a listing of some applicabte regulations,see Section 318 of this Ordinance. �2 ��i � 3�f 210.19. Residential Accessorv Uses-Properties with principai residences may include accessory structures subject to the following requirements. 1. Reauired F�ont Yard Setbacks-All accessory structures shall be setback at least fifteen (15)feet behind the principal building line. If there is no principal building,the accessory structure must be setback at least fifteen(15)feet behind the required principal front yard setback line; 2. Reauired Side and Rear Yard Setbacks-All accessory structures shall be setback at least five(5)feet from any side and/or rear lat lines;and, 3. Maxlmum Permitted Heicaht-7wenty-five feet{25');provided however,that every accessory structure higher ihan fifieen(15)feet shali be setback a minimum horizontal distance equal to its height from the dosest side and rea�lot line. �3 �� b� �`� STEVEN W. BARRETT Steven W.Barrett Real Estate& Appraisal Services-Established 1976 505 South Hanover Street,Carlisle, PA 17013 Phone 717-243-6646 FAX 717-243-8627 E-Mail—Steve(�_,,swbarrett.com PROFESSIONAL LICENSES: PA State Certi�ed General Appraiser,GA-000298-L PA Real Estate Broker, RB-026921-A Certified PA Evaluator, AV-000034-L PROFESSIOiVAL DESIGNATIONS EARI�TED: SRPA,Senior Real Property Appraiser, 1 1/90 CPE,Certified Pennsyfvania Evaluator, 11/88 Appraiser Tnstitute—General Member Assessors Association of Pennsylvania SRA,Senior Residential Appraiser,9/83 CRB,Certified Real Estate Brokerage Manager, Appraisal Institute—Residential Member 2/86,Realtors National Marketing Institute ASA,Accredited Senior Appraiser,Real Property CRA,Certified Review Appraiser,Senior Member Urban,7/90,American Society of Appraisers 4/8],National Association of Review Appraisers GAA,General Accredited Appraiser, l 1/94 Realtors Appraiser Section ASSOClAT1ON MEMBERSHIPS: Appraisal Institute American Society of Appraisers Assessors Association of Pennsylvania REALTORS-National,State&Local Organizations OFFICES HELD: 2006 Board Member,Greater Hai-risburg Assoc. of Realtors 1984-86 Presiden[, Chapter 70, 2003-2005 Board Member,Carlisle Board of Realtors Society of Real Estate Appraisers 200] President,Appraisal Institute,Central PA Chapter 1982-83 Vice President,Chapter 74,Society 1998 Chair,Appraisal Section, of Real Estate Appraisers Harrisburg Association of REALTORS 1981 Vice President,Carlisle Board of 1989-90 Vice Governor,District 20,Society of Real Realtors Estate Appraisers 1982 President,Carlisle Board of Realtors APPRAISAL AND REAL ESTATE EDUCATION: Appraisal lnstitute/SREA-Courses Penn State University-Courses SREA Course 101,An [ntroduction to Appraising Real Estate Appraising I SREA Course ]02,Applied Residential Property Valuation Real Estate Appraising I1 SREA Course 201,Principles of Income Property Valuation Real Estate Appraising-Right of Way SREA Course 202,Applied Income Property Valuation Real Estate Theory and Practice SREA Gourse 301,Special Application-Appraisal Analysis Real Estate Finance AI Course 510, Advanced Income Capitalization Real Estate Administration&Management Residential Demonstration Report Real Estate for the Small Investor Income/Commercial Demonstration Report of Business Valuation Appraisal Institute/SREA Seminars: Online Business Practices and Ethics `04 � 3 � �-� 3� Environmental Issues for Appraisers '13 Penn Dot Right of Way Procedwe `OS Business Practice&Ethics '13 Appraisal Review&The Process of PA Appraisers Regs '13 Reviewing `07 USPAP 'I 3 Tax Assessment Law&Tax Appcal Ethical Behavior in a Wired World '12 Process in PA `07 PA Appraiser Regulations 2011 Review of PA Appraiser's Certification Valuing Homes With New Appraisal Requirements UAD '11 Act 07' Specialized Oil&Gas Valuation '11 Tax Free Like-Kind Exchanges 'OS USPAP 2010-201 1 Appraiser's In The Ring `OS How to Analyze&Value Income Properties '1] 7 Hr. Elective Continuing Education Continuing Ed RECE45, 32, 722 '11 Course X&II `03 Enhanced Desk Review '1 1 USPAP '03, 'O5, `07 Hotel Appraising: New Techniques for Residential Construction `03 Today's Uncertain Times"09 Appraising the Oddbail:Nonconforming Greening Historic Bldgs. 21S`. Century '09 &Difficult Properties Keep Yourself Safe&Legal `09 PA State Mandated Course '03 USPAP 2009 Uniform Appraisal Standards for Internet Search Strategies for R.E. Appraisers `07 for Federal Land `08 Appraising Environmentally Contaminated Properties `09 Online Business Practices&Ethics `04 Appraiser Liability '03 Appraising from Blueprints and Specifications 'Ol Regression Analysis in Appraisal Practice 'O l FHA Appraisal Inspection from the Ground Up 'O i Narrative Appraisal Report Writing Partial Interest Valuation—Undivided `00 Technology Form—Parts 1 and 2 `99 Litigation Skills for the Appraiser`98 Dynamics of Office Building Valuation `98 Loss Prevention `98 Uniform Residential Appraisal Report `97 Small Residential Income Property Appraisal `97 Valuation of Leasehold Interest '97 Valuation of Leased Fee Interest `97 Underwriter's Guidelines to Real Property Appraisal Appraisal of Mixed Use Property Types `96 3� � 3� Other Seminars: Veterans Administration Training `OS Veterans Administration Training '03 Appraisal of a For-Profit-Cemetery—AAP '96 Mandatory Brokerage-Kell '00 Appraisal of an Operating Landfill -AAP '96 Agency Changes,Choices and Forms Nursing Home Valuations- AAP '95 Realtors Institute '99 Realtors National Marketing Institute Law and Order: USPAP and PA Course 302,Marketing Management '86 Realtors Institute '99 HUD-FHA Training Seminar Elective Brokerage- Shearer'97 Pennsylvania Appraisal Statutes Mandatory Brokerage- Shearer '97 Two to Four Family Finesse- Appraising Appraising High-Value Residential Multi-Family Properties 2005 Properties 2005 WORK EXPERIENCE: Real Estate Property Manager, 1979 Real Estate Broker, 1974 Real Estate Appraiser, 1975 Real Estate Salesman, 1971 EXPERT WITNESS: Cumberland and Dauphin Counties Penn DOT Board of View Court of Common Pleas and Domestic Various Municipal Zoning and Master Hearings Planning Boards TYPES OF PROPERTIES APPRAISED: Residential Commercial Industrial Investment Multi-Family Mixed Use Agricultural Retail Easements Eminent Domain Right of Ways Subdivisions Feasibility Studies Cash Flow Analyscs Assessment Appeals Consulting REAL ESTATE BROKERAGE: Listings,sales, leasing and consulting of all types of real estate in south-central PA �3 �� 3�f ' . f � 1 •• • 1 1� • � Commonwealth of Pennsylvania �2 ��4�� De a�tin��t�f°�tate ` Bureau o.f Pro '`�""a`�_a��i�d�� ,ational�,ffairs ` � PO Bo �1 `�Iarrisburg�'�� 2649 �� Certificate Type � ��` � . �' �"' '� �;� . , ��'-�.._,�� 1�. � CertiiYcate�tatus Certlfied General Appraiser � � ` ��, � r��K� .� � ''� ,� f,� Act(ve � ` �` ,..,.,,�� ,. y,,.�� ,w t, __- ��..:;'�• 1 �f � . ��' �`4.��,' �4�d,. � 6� � � �. �'°��`�,_;-��_-.�-��``� In�tial Certltication�ate "*.,,,..; � �«t.�� f ''09/OB/1991 STEVEN W BARRETT Certific�te � S0.5 SOUTH HANOVER STREET Number '" <� CAfiLI3LE PA 17013 GA000298L Eypiration Dat+e*" �'_ 06/30/20�5 ;:,� ,, 3 � �'"'''� C�`" ---�"'' �t s�y ' / A r' Signaturc � Commissioner of Professional and Occupational Affairs � M 3� o-� 3� __ ___ i _. � 3t t9 c e��H�Q18 r��iZ49 � u � ��c� � � de� „ March ui IHr�r�u•,��'u�a �nDe the ?�th � / Lorrl ont tAeicaan�]ni�m l+�ur�lrr�J uad fift�-elaht (1°58). � bor�oettCountv o�Cumberinn��and�9tnt�f of�Penne,ylvanlAf bRANTf+pnne- p N D C J. RICEIARD ZIHM,F:AM.PN And DOP.I9 3. ?I2•"•L'Ql�!A.'�', hin v+2fP, of t�P Townehip of Weet Penr.ebnrn, Cnunty of Cumberl�n�, pncl atnte of Penneylvanin, GAANTEEB. }�ifttts5rih, N��!in r��.,;�hv��7iuri nf T�aenr.y_two Thou4r+nA (�'?,On0.00) - - - - - - - - - - - - !b�lL�irx. ru biin�l��niil,lAr rrr�rp��rHrrra/'r,cl�rr�by�u•d•n�irnG•rlavd: Ni�• l;rrir�lur rlu ea h��v/ii/g�m�l nnd��uu•rt/lo/br xni�l I;rnnJrr a� thl.1P llrirs nnrl.ls..•i�n.�.AB men n a bY entireti'ee. * ivr.(1 �it'1P.LP in t�P T1W17g�`SD oP ':'eet �� th�Qe certnin trnc.a of C Penr.Rborn, Cnunty of L1�mber��nd, nn�i 9tntP �P P=nrpylv�n:n, ';ounc'ed an� deacribed ne *�ll��+e, pccor�inP tn evrve.v� mN?rrh,, 1PStS:liott l�iddleton, P.ealetered 4urveyor, in Febr��Ary »nn TRACT NO�: ��62D:A1IN(: �,t A no�t at corr.er of 1^n�'� nf J. "Slson ti�ne rncl A. HayP Kenne�?y, thence nlone l�nfl of J. Wi7 Fon St!ne, North :SO de¢reee ��P.°E, n dlatnnce o* a?5.'� fe=:, ^!ore o^ lea�, Lo n etrilce• t!�ence nlone land lntely nurcha=ed �'Y t�'•P `"P�t ?enneboro Bchonl Dietrict from Lnr.y M. P.offm.n Nort* �� eareee zF minute� EAPC, n diatance o* 7�°.4 .*eet to a noint in t�e center oP the Plainfield nnd GrPaeon Public Roar; thence b? c�nter of t`.� R�ove public rond, North 3 de�reea �Vent, n PSet�nce o1 °O0 fPet, r�ore or leee, to a ooint; thence by sAme North :� fterree� Enet, a distnnce of 4�'5 feet, �cre or lee�, Lo n noint; ther:ce alonv 7_�n8 nf f3eorRe L, Hof*mnn and F.vY.h L. HofPman, hie ��ife, S�uth 8� drareP� �'aFt, a ciietqnce of 8�.'3 _'eet t� a noet; t�er.ce '�,v Fnme "lnrth 4 c?e�'eea 30 min+ate� Eaat, n distance of 147.5 Peet Lo r noat; t?^Pnce bY qRi!!C "�orth Q� (�e°7'2P,R �JP.?t.� R C�SPLA.�ICP. Or �Z.�rJ Peet CO p '»Lflt in center of the nublic ronfl lenAin¢ frnm Plvin.°le]d to ^-reaFOn; C thPnee by center of the Above rnablic roaP, North :s �iec•rePr �APt, p �.lntnnce oP 1P8 feet to a noint; tHence by .=rme 9nuth AS dearee� FABt, a dietnnce of 5B?.^5 fePt to � n�int; thPnce plona lpnci of J, u. M^nninP, aouth B �earee� 1� minutee EPat, e r�iQtr+ncP o� 1a0.?5 fert to n ooet; thenc? plor.v i.rn�i� of J• H. Mannin�*, John 4wArr.er �nd <:h»rlee L�'b•rly, 4o�.�*h 87 Aeereea 15 !�inute,< �ant, n �i?tnnce o! 266.?5 .*net t� A no�t; thence AlonP 1nnP of °��avPr, � 9nuth lj de�reea °5 �inuteF EA�t, A c�letAnce o• 1'��^.8 feet to n �tone on *"e 1t�rtF. ?ioht of '�s+v line oP the C.��.P.P. Dinieion of The PPnne�rinnnin P.nilronr C�mnAny; thenee Alona Nnrth ?iaht of °i++y line ot the ,+bove A.R. G�., °out*. �4 �1e�+ree� ?9 minutee �'TPPL, ,a dl�tnnce of P05,�5 �p!�!L to n P..R. it`on; thenca *�v a��P N�1^th 14 c1e^reee ?5 �^?nuteF 'aP4t, p �'i�tnrce o* 5�.�5 *eet t� n noint; t�ence hy 4�ne 4�uth 75 AerrreAa w'e�t, � Ai�tnnc? of ?1�.'5 *eet to n nolnt Sn the centr� n"' the �+�bllc. PonA le��'in�* *ror� ^reA�on to Plsinfield; thPnce '�y r.en*er of t*e ah�ve �ublic rorc?, Yorth � S c'e¢reea 41eet, A �'let�nce of ].1.`4 feet *o a no�t; `hence alonc 'nnd o* p, Hap� Rennr�+r, 9outh 7a ap�'r'°en WeSt, � �1�tnnCe �f �01.° feet tn a n�pt, t�.P nL�ce �P beein�inv. C �c�. . � , ��°'`� � � ��- 3� . � g:;JN�1� PaG��5� CONTAINING 78,18 Acres, r�ore or lenP. � BETNG a n�rt of the nremiseF w��ich �•Kre conve�e� tn Rnbert 9. Hoifmnn� RZFC knoxn RF R.9. Holfmrn, by deedp recerAect in t*e Cumberl�nA County Reoorder'e Office in DePd Hook "L", V�1. 8, oa�rE 485, end Deed Book "P", Vol. 11, vnve �s'�. The Fnid Rnbrrt 9. Kof*man, sl4o known RP R. �. Hoffmnn, b�ina thereof ?ei�ed in hie der!eene ae of fee. died teatnte on Saptember 8, 1�41, and bY the terre of hip l�at Will nnd Teettunent, d+�lv vrobPte� Ard renAininR of reoord in t".e Office of the AeRister ot WSlle in an8 for � Cumberinnd County, Pennrylvnni�+, in Wtll H�ok No. 42, PpR� 148, he devieeQ the above deacrlbed oremises in fee simnle to ?�1� widow, Lncy M. Hoffman, the Grr�ntor hereln. TAAf�f•N0� 2: ' 6E(3I?�"I�6 �t A noint in t"e cent�r of A �ubl!c Alle��; thence elona lands of t^e C�zmber�^nd �Inlley Divleion of t�e Pennsplvania P^ilrond Co^�nnny, Nnr*.h 7F reareer Envt, n rtatnncP ot Two Hundred (200� ?eet to n po�t; t�e.^.ce by PF!!fC tlnrth 10 derree� 15 etinutee !"eet, A dietAnce o'' Tr•enty-niz rnA five-tentrP �'6.E) � Peet to e rPilroAd rail on th� 9nuth AS¢ht of '�nv of t�e ^'�ove mentloned Pennsvlvnnln Anllroad Comnnry; thence .91on¢ r+�e 9nuth Ai�t of Nrv line, North �F deareFr 1� ^�inutr.r Ea�t, n. �i�tAnce of Four Handred 9eventy .�nd five-tenthe (470.5) feet tn n rPllrond rnil; thence Alona lAnde of GuY Foeter nnft 1!r�. �'�len !V�nd�. 4�uth ° QEQ2'P�P :SO minutPe F•4et, p cii�tence o� �'i�*ht vundrer F:fY.y-three Ar.d tive-tenthe �R53.S1 fPPt to n nn�t; thence nlon� 1nnA o! M^s. HPlen '•i�ofla, qouth '79 ctevreFe 45 minutee Me=t, n Pi�tar.cP �� Four Nun�reA nnft N!nety-four �dO4) feet•'o r n�±nt in t�P c^ntar af n rniblic alley Sn t�e Villa�e of ^rPaan�; thpnce b�� t'-P c8nter ot the abnve oublic nlle��, North 15 cleora�a '�!1 �inut�n '•'�et, p ciintar.ce o± Reven vundre� gPVenty-nine �nd a+x-t?n*"A ('7�°.E) *e°t ±o � n�Int, the DZACP �f 9evinninv. C�P:TAIRIP'�3 10.�1 Acre�, mnre or 1??�, 3�IN(3 the �n�oe vre�+lFer+ w!�ich !R�nrne E. A�er+fYer �nA Irene � 9he^ffer, hie tiulf?, by Lheir !�eecl dateA K^rc!� :�0, 1?53, PnA reeor�'ed in the CvmberlAnd County Recorder�� Otfice in Deed Book "G" Vol. 15, oece 172, vrnnteA and conveyed to Ln�y M. Hoffr^nn, t3rantnr �ereir.. V:r:.T �::`:': �v , �u - �. . V� t. 3..�{��$.�_ ;:�_�C`_ ��,� -. . .. ., ...,..::r � '�fi\-��-�-+_ i : t ,,�,, _,, :��: �,�,��, ��n�fN Gf Dfll�! � �-L?�,/�sF' P. Q�tic�.��. � .��Fi re �i i1.NNWll1Ny � 11 11 11 11 1 11 � � � �� 3 � �.__...._.___.. _ _ .� ..,,, . ,,.,,._------ � &�,�;��18 ��Z51 � Ana the xaut(3runtor Ff''+U Warra»t bENE'�IALLY tMt th� Resid,^'a i �. •�'T ��` � �I11jW��....�.�A �0� � Ih�propert,y ht�e6y rnnve�/td -7� �.(,QJL. � , . , �4��r A►b �n�i��hereni.fhr(3rvtntor ho n herewato aet her hand uncl seat C �pP�ay asd�ear�rst ohnvt wrillen. - ' 11 � � � ,�a�.a. a�■un ana �elaus�D �� _. '�.�.`.� �l , t�.�� t 1 _ � in tk�r prnmtr of '-�� f�'�*�? Z � �/� �_��l�Y. , _. r-�. � � _ �� . eoL _ _.. __ _ � _ 4no% _ � r-•-� Ce•r�/ KwMI. � . . _...... _ ._ '• �S7'� . .... _. ._..,,.. . .._.._._� .. � �� . `MI� ...._... . ........... ... .. 2ommnntnnlih o{ �lrmuu�buuu� �ss. fCountu ol G�mberinnd � o rG�y i� M�rch, .4. A./!1 58,Iwjrirr�ur Ilrr llri_v.tliv 2 th f. A NotAry Pu`'lic, the un�irn.ignrd I1Jj'u�r,prraaanlly rip/�enrr�l Lncy 14. HoffrfAn, tVl�low, kr�orcv� N�+rcr lur su1i�Y/i�cturilg prorvuJ to bt lhe rrrann u•lu�xr rtame 1e tub:r�vtLrAto the u'ithin instrwnriif,uiul urk�+r'r+�'��/hiil ehv exei�ult.d fht samt fur Nis p«rlasea therein coi+tuinrrl. .-`°�,��'.�hrrroE. (li.°rKU.�FIn.a�l nai/h�ia��nnr nJji�ired s �J. ?�1:.•'_w . !' '•. Y �+• '. . _. . ..... ...._._ : �a r�� - � .. _ C �`� � `� .- .. __.__..__ ��' Y .� i. '.� � � 3 ' S B•'•. 2.�,�� .'�1:� TI N UIticM �••_.. :; � `�� `J: ' ,�nwtuyyfr,rl�UP n1'�Jrnnsv_I1+anin ' ..�....... ' `sn. (CnimM n{ � r�i�t n ✓l.l). l:l ,b��fiirr n+r Ui�N�ix,N�r 1 f H�r r�.nd�r.ar¢n�d ofj'u•�r,/H'rxnqu!!�� r�,p�•arrd known to m.e.(or N(CIf$f(!1'�I179I7/ prw•r��l to Ge tbr)�erron u�hose name culiveriGvr�fo fhr u•iN�in inxfrument,and ��rknnu�lrrl?e�d U�ut h� c.recuted tAr winLr%or fhr prer�nxra 7HPrrin ro+►lninrd. dn�itnr��6f}rrraf. 1/rrrPUnfo srl�n.�/harid un�l njji�•ial xvnl. __.................._.._.._.._........_..._......_..._...................................__... � ......................... ......................_.._....... .._................_............_._..TItN ot Ome�r C .� �� a ____._...�...______ _ __ _ ��._ ,..._�_ __ __..�. _._ .�._..____ � . S.W. BARRETT REAL ESTATE AND APPRAISAL SERVICES File No. 13-0251 APPRAISAL OF 4 ti +}�`�'.�`�� .. . . . . �..'4 �� .� . . . �� F � � � �;:� �I 4 LOCATED AT: 209 Greason Road Carlisle, PA 17015-7409 FOR: Martson Law Offices Ten East High Street Carlisle, PA 17013 AS OF: October 2,2013 BY: Steven W. Barrett, SRA. SRPA PA Certified General Real Estate Appraiser �ch. � , ��"� �+ y �� 3� ' ' S. W. BARRETT REAL ESTATE AND APPRAISAL SERVICES File No. 13-0251 1 1/0112 01 3 Martson Law Offices Ten East High Street Carlisle, PA 17013 File Number: 13-0251 In accordance with your request, I have appraised the real property at: 209 Greason Road Carlisle, PA 17015•7409 The purpose of this appraisal is to develop an opinion of the market value of the subject property, as improved. The property rights appraised are the fee simple interest in the site and improvements. In my opinion, the market value of the property as of October 2, 2013 is: E990,000 Nine Hundred Ninety Thousand Dollars The attached report contains the description, analysis and supportive data for the conclusions, final opinion of value, descriptive photographs, limiting conditions and appropriate certifications. Respectfully submitted, .�'-��_-, ,�-- Steven W. Barrett, SRA. SRPA PA Certified General Real Estate Appraiser � � 3� Summary � � LAND APPRAISAL REPORT FiieNO. 13-0251 The purpose of Ihis summary appraisal report is to provide the lenderlclient with an accurate and adequately supported opinion of the market value of the subject property. � • PropertyAddress: T09 G�88E0� R08d . ci�y:Carlisle sca�e: PA ziP:1 7 01 5-7409 sorrower: J. Rfchard & Doria S ZIMMERMAN owoeroiaubi�cRe�ord: Zimmerman. J Ri counry: Cumberland LegalDescription: DBed BOOk 1-18 Pa e 249 nssessor's Parcel u: 46-07-0475-032 Tax vear: 201 3 R.E.Taxes: 1 238.00 NeighborhoodName: WBStP@IIfISbO�OTOw�ShiD MapReference: 07-0475 CensusTract: 0128.00 SpecialAssessments: Non9 PUD �Yes o No HOA:S Q PerYear � PerMonth Property Righis Appiaised: XQ Fee Simple n Leasehold � Other(descrihe) r--� AssignmentType: �Purchase Transaction �J Refinance Transaction X Other(describe) LenderlClient: Address: I �did �did not analyze tbe contract for sale for the subject purchase lransaction. Explain the resulis of the anelysis of the contract for sale or why the analysis was not performed. Conract Price b: Date of Contract Is the pwpe�ty selte�the owner of public record? Yes Na Data Source(s) Is there any financial assistance(loan charges,sale concessions,gift or down paymenl assistance,elc.)to be paid hy any party on 6ehalf of the borrower7 ❑Yes No �I Yes,report lhe totat dollar amount and describe Ihe ilems ro be paid. S Note:Race and the racial com osition af the nei hborhood are not a raisal factors. One-Unit Housin Present Land Use% Nei hborhood Charecteristics One-Unit Housing Trends 9 Location Urban Suburban X Rural Pro ert Values Inaeasin X Stabte Deciinin PRICE AGE One-Unit 25 % Built-U Over 75% X 25-75% Under 25% Demandl5u I Shorta e X In Balance Over Su I E 000 rs 2•4 Unit 0 % Growlh Ra id X Stable Slow Markelin Time Under 3 mths X 3-6 mths Over 6 mtbs 140 Low 20 Multi-Famil 0 % Nei hborhood Boundaries: SUb ect is bounded on the �orth b PA Turn ike Rt. 76 on the east �g� P�ed. 1040 0 hem Vacant 75 % and south b 1 81 on the west b Rid e Rd. Good Aver. Fair Poor Good Aver. Fair Voor Convenience to Em lo ment X Pro ert Com atabilit X Convenience to Sho in X General A earance of Pro erties X Convenience to Primar Educetion X Ade uac of PolicelFire Protection X Convenience ro Recreational Facilities X Pwtection fram Detrimentel Conditions X Em lo ment Slabili X Overall A eal to Market X Nei hnornoodDescri iion: The sub ect ia located in an area of mixed residentfai and a ricultural uses which is common to Western Cumberland count . There are no adverse factors to affect marketabilit of the sub ect. Diverse stable em lo ment and all au ortin am enities are within reasonable drivin diatance. M SA 3240 MarketCondilions incmdin su artforthe above canclusions: P►O e�t values currentl are stable. Local m ulti-list data indicates an avera e m arketin tim e of 90-180 da s. Econom ic trends and Iendin rates have rem ained favorable. Salea concessions are occurin m ore fre uentl • however there is no known revelance of unusual seller financin concessions or bu downs. There are new homes under construction in surroundin develo ments aa well as resales available in the nei hborhood. . • . oimensions: See leaal descriotion nrea: 109.91 X ncres sy.FC. snaPe: Irregular view: Residl0 en Countr ZoningClassilication: R2 ZoningDescription: HI h Densit Residentlal Zoning Compliance: X Legal Legal Nonconforming(Grandfathered Use) No Zoning Illegal(describe) Usespetmitteduntlercurrentzoningregulations: See zonln ordlnence in the dddende of thls �9 O�t Hiqhest&ses�use: Current use or an use erm itted under current zonin Describeanyimprovements: Various outbufidin s• dwellin was demolished Da present improvements conlorm to zoningT X Ves No No improvements If No,explain: Presentuseotsu6jectsite: AQ�iCUl�llf81 _ Currentorproposedgroundrent? Yes X No IfYes,E Topography: Level to �olifn size: Lar er than norm al orainege: Appears adequate Cotner Lot: Yes X No Underground Utilities: Yes X No Fenced: X Yes No If Yes,type: W i►9 Special Flood Hazard Area ❑ Yes XQ No FEMA Flood Zone:X FEMA Map�+: 42041 C�208E FEMA Map Date: 0 3/1 612 0 0 9 UTILITIES Public Other Provider or Descri lion Oft-Site Im rovements T e/Descri tion Public Other Electricit X SueetSurtace AS helt X scree�T ellnBuence Townshi /Neutral Gas Water X W911 CurblGUtter None Sanitai Sewer X $8 tiC" Sidewalk NOf19 Other StreetLi hts NOBe Other Alle As lalt southern ortfon of site X Are ihe utilities and otf-site improvements typical for Ihe market? Yes X No If No,describe: "Public sewer fs available Are there any adverse site conditions or external tactors(easements,encroachments,environmental conditions,land uses,etc.)? Yes X No It Yes,descri6e: Well is common for the area and has no adverse affect on marketablflit . Pubiic sewer is available and extended to the leased m obile hom e on the site no value iven to m obile hom e in this re ort . There are no adverse easem ents encroachm enta or other adverse conditions. si�e commen�s: Public sewer is available to the site. Sub ect currentl ts taxed under the Clean and Green ro ram encou�a in reservatlon of a ricultural land. LAND 10�5062030 Protluce�using nCl soliware,800.17d.8i21 www aciwt0.com - l� b� �� Summary , � LAND APPRAISAL REPORT FileNO. 13-0251 There are 1 com arable sites currentl offered for sale in the sub�ect nei hborhood ran im m �ce from S 550 000 to S 550 000 There are 1 com arable sites sold in the ast 12 monihs in the sub�ect nei hborhood ran in in sale �ice irom S 550 000 lo S 800 000 • FEATURE SUB]ECT COMPARABLESALEN0.1 . COMPARABLESALEN0.2 COMPARABLESALEN0.3 address 209 Greason Road Alexander Spring Road 8 West Hatchery Road 17 Burgners Mili Road cic�suzi Carlisle Carlisle OS-09-0525-080 Newville 30-09-0511-021 Carlisle 46-07-0475-024 Proximit ro Sub'ect 2.58 m iles SSE 9.99 m iles W SW 0.75 m iles N oa�a source s I�s ection Courthouse Records Courthouse Records Courthouse Records verification Source s Courthouse CPM LS 750 000 S 700 000 Sale Price S E 700 000 $ PricelACre E 0.00 E 7 843.59 E 9 015.51 5 8 909.25 DateofSale MO/DAIYR N/A 03/2013 01/2013 �2�2��2 oa sonMarkec N/A 190 Unknown Unknown Financin r e N/A Unknown Unknown Unknown concessions N/A Unknown Unknown Unknown Rural Rural Rural Rural Location Fee Sim 18 Pro er� ai hlsA raised Fee Sim le Fee Sim le Fee Sim le sitesize Acres 109•91 91•58 83'19 �$ 57 view Resid/0 n Cntr Resid/0 nCntr Resid/0 nCntr Resfd/0 nCntr To o ra n Level to rollin Level to rollin Level to rollin Level to rollin Available Utilities elec well se tic'* elec well se tic 382 elec well se tic 0 elec well se tic 898 StreetFronta e 2700't 655't 784 1672't 451 295't suee�T e Townshi /Neutral Twnsh INeutral Twnsh /Neutral Twnsh /Neutral wa�erinnuence None None PondlH droS a -90 None Fencin Existin Unknown 0 Existin Existi� im rovements Outbuildin s " Inferior +3% 229 Obid slSimilar 0 Obld s/Sfmilar 0 Dweliin Demolfshed None 0 2406SFHouse -902 2697SF House -891 2onin R2 A 382 None 451 A 446 NetAd ustment Total in S X + S 1 757 + - S 90 X + • E 892 Adjustedsalespriceofthe NetAdj. 23.OWo NetAdj. -1.0% NetAdj. 10.0% Com arable Sales in 5 GrossAd'. 23.0°h S 9 401 GrossAd. 21.O�o E 8 926 Grossnd'. 30.0% E 9 801 The Appraiser has researched the iransler history of Ihe su6ject properry for the past 3 years and the listing history of the subject for 1he past 12 months prior to the effective dale of this appraisal. The appraiser has also researched the transfer and listing history of the compara6le sales for the past 12 months. The appraisei's research ❑did � did not reveal any pnor sales or transfers of the subject property for Ihe ihree years prior to the effective date of ihe appraisal. Dala Sources: The appreiser's research did tlid not reveal any prior sales or transfers of the compaiable sales for the year prior to the date of sale ot Ihe comparable sale. Oata Sources: The appreiser's research did did not reveal any prio�listings of the subject property or comparahle sales for Ihe year prior to 1he elfective date of the appraisal. Data Sources: Listing/Transter History TransfedSale(ONLY)ot Ihe Listing and Transfer hislory of Listing and Transfer his�ory ot Listing and Transfer history of Subject in past 36 months: Comp 1 in past 12 momhs: Comp 2 in past 12 months: Comp 3 in past 12 months: (ifmoreihantwo,usecomments 5 N/A N/A 5 N/A NIA 5 NIA N/A E N/A NIA section or an addendum.) s 5 S 5 Suh�ect Pro ert Is Currentl Listed For Sale? Yes X No Data Source: C PM LS CurrentListing History ListDate List Price Days on Market Data Source N/A S Sub�ectPro er has been listed wilhin ihe last 12 Months? Yes X No Data Source�. CHR/CPM LS 12 Month Listing Hisrory List Date Lisl Piice Days on Market Data Source N IA 5 S Comments on P�ior SaleslTransfers and currentand Prior�isiin s: No further recent recorded transfers were found. Summar oftheSalesCom arisonA roach: "Public sewer is available and extended to leased mobile home on site. Com arble Nos. 1 8 3 we�e ad usted at 5% for lack of access to ublic sewer. Com arable No. 2 has been a roved for hook u to ubiic sewer. Fronta e is ad usted at 10% for com arable Nos. 1 8 3 and 5% for com arable No. 2. * Sub ecYs outbufldin s consist of a 28x90 block machine shed in fair condition a 12x12 frame shed in oor condition a 45x88 8 a 32x54 metal livestock barns in avera e to ood condition and a silo in fair condition. Com arable No. 1 is vacant a ricultural land• a 3% ad ustment was a Ifed for lack of outbuildin s. Com arable No. 2 Pubitc sewer a roved for site. Lar e ond on sfte with h dro s stem a 1% ad ustment a lied. Existin stone house ad usted at 10%. Outbuildin s are considered sim flar to that of the sub'ect with a 30x44 m achfne shed fn avera e to ood condition 36x52 bank barn in fair to avera e condition and remainfn smaller outbuildin s in fafr conditfon. Com arable No. 3 Existin frame house ad'usted at 10%. Outbuildin s are considered similar to that of the sub'ect with a 28x64 Frame freestall barn in ood condition and remainin outbuildin s in fair to oor condition. Zonin is ad'usted at 5% for each com arable. Ad usted ran e of value er acre is 38 928 to 59 801 Sa 59 000 er acre. 109.91 acres x E9 000 er acre = 3989 190. Sa 990000 ReconciliationComments: The Market Data Anal sis su orts the estimated market value of the sub ect. The Cost A roach and income A roach were found to be ina ro riate for this anal sis. Greatest wei ht is a tfed to the Market Data Anal sis. Su ortin file information substantlates the estimate. rnis a raisal is made X 'as is•,o� sub ecuo the followin condicions or ins eciions: A raisal is for client onl nontransferable. BessA on e com plst�visuel inapectlon of th�aub�actsite and those im provem ants upon sald sits,definetl acope olwork,statem snt otaasum ptions and Iimitingcondltlons,endappralear'scertiflcatlon,my(our)opinionofmarketvalus,asdellned,olthsrealpropertythatlathasubJectolthfsreportis: � O Inlon otMerketVelue:S 99� 0�0 aa of: ��/�Z�Z��3 which la the date of Ins ection end the ellaetive date of this a ralaal. �rcaucea us��rg qc�saf�ware,Bo0]]a.a1Z1 w�xw.ac�weo r,om ��,pND_10 ascfizolo P aqe 2 0l a S.W. Barrett Real Estate & Appraisal Services � o�F 3 � Summary . � LAND APPRAISAL REPORT FiieNo. 13-0251 , � .. , .• • • � Yes No Unittype(s): ❑ Detached ❑ Attached Is the developerlbuilder in control of the Homeowners'Association(HOA). ❑ ❑ Pwvide Ihe following information for PUDs ONLY if lhe developeubuildei is in conirol of the HOA and the subject prope�ry is an attached dwelling unit. Legal Name of Project: Tatai number of phases: Total number of units: Tolal number af unils sold: Total number of units rented: Total number of units for sale�. Daia source(s): W as the project created by the conversion of existing building(s)into a PUD? ❑Yes No If Yes,dare of conversian: Does the pwject contain any multi•dwelling unils? ❑ Yes ❑ No Dala Source: Are the units,common elemenis,and recrealion facilities complete? Q Ves ❑ No If No,descrihe the staWS of completian: Describe comman efemenis and recreational facilities: • � � This report form is designed to report an appraisal of a parcel of land which may have some minor improvements but is not considered ro 6e an"impiaved site'.All improvements are considered to be ot relativery minor value impact on the overall value of the site.This report form is not designed to report on an'improved site'where significant value is derived from lhe improvements. This.appraisal report form may be used for single tamily,multi-famity sites and may be included within a PUD development. This appreisal report is su6jecl m the following scope ot work,intended use,inlended user,definition ot ma�ket value,statemenl of assumplians and limiting conditions and certifications. Moditications,additiaos,or deletions m the intended use,intended user,definition of market value,or assumptions and limiting conditions are not permitted.The appraiser may expand the scope of work to inctude any additional research or analysis necessary based on the commplexiry of ihis appraisal assignmenL M odifications or deletions m lhe certifications are also not peimitted.However,additianal certifications that do not constitute material alterations to this appraisal report,such as lhose requi�ed by law or ihose relaled ta ihe appraisePS continuing education or membership in an appraisai organizaiion,are permitted. SCOVE oF W oRK: The scope of work for this appraisal is defined 6y lhe complexity of this appraisal assignment and Ihe reporling requirements of lhis apD�aisal ieport form,including ihe following definition of market value,statemenl of assumptions and limiting conditions and certifications.The appraiser must,at a minimum;(1)perform a complele visual inspection of Ihe subject site and any limited improvements,(2)inspect the neigh6orhood,(3)inspect each of the comparable sales from at least the streel,(4)tesearch,verity and analyze data from reliable public andlor private sources,and(5)ieporl his or her analysis,opinions and conclusions in Ihis appreisal report. IN7ENOEO usE: The intended use of lhe appraisal report is for Ihe lendedclient to evaluate the property that is the suhject of this appraisal foi a morigage finance trensaclion. INTENDED uSER: The intended user otihis report is the lendedclient identified within the app�aisal report. oEF�NIrioN oF MAttKEr vA�uE: The most probable price which a properry should bring in a competitive and open ma�ket under all conditions requisite to a fair sale,the buyer and seller each acting prudently and knowledgeably,and assuming the price is nat alfected by undue slimulus.Implicit in Ihis definition is the consummation of a sale as of a specified dete and the passing of title from seller ro buyer under conditions whereby:(1)buyer and seller are rypically motivated;(2)both parties are well informed or well advised,and each acting in what Ihey consider their own best interesf,(3)a�easonable time is allowed for exposure in the open markel;(4)payment is made in lerms ot cash in United States doliars or in terms of financial arrangements compareble thereto;antl(5)the price represents the normal consideration ror Ihe properry sold unaffected 6y special or creative financing or sales concessions•grented by anyone associated with ihe sale.(Source:OCC,OTS,FRS,&FDIC joint regulations published June 7,1994) *Adjustments ro the comparables must he made for special or creative concessions.No adjustments are necessary for those costs which are normalty paid by sellers as a result af tradition or law in a ma�ket area;these costs are readily identifiable since the seller pays Ihese costs in virwally all sales transactions.Special or creative financing adjustments can be made to the compareble properry hy comparisons to financing terms offered by a third party institutional lender that is not already involved in Ihe properry or lransactian.Any adjusiment should not 6e calculated on a mechanical dollar for dollar cost ot the financing or concession but the dollar amount of any adjustment should approzimate lhe market's reaction lo the financing or concessions based on the appraiser's judgment. STATEMENT OF ASSUMP710NS 11ND LIMITING CONDITIONS: The appraise�'S certitication in this report is subject[o the following assumplions and limiling conditions: 1. The eppraiser will nol be responsible for matters of a legal nawre that affeci the subject properry being appraised or the titte lo it,except fo�information that he or she became aware of during the research involved in peiforming this appraisal.The appraiser assumes ihat lhe litle is good and marketable and will not render any opinions about the litle 2, The appraise�has examined the available tlood maps that are provided by the Federal Emergency M anagement Agency(or olher data sources)and has noted in this appraisal report whelher any portion of ihe subject site is localed in an identitied Special Flood Hazard Area.Because the appraiser is not a surveyor,he or she makes no guarantees,express or implied,regarding this delermination. 3. The appreiser will nat give testimony or appear in court because he or she made an appraisal of ihe property in question unless specific arrengements m do so�ave been mede beforehand,or as otherwise requiied by law. 4. The appraiser has noted in this appraisal report any adverse condilions(such as the presence of hazardous wastes,loxic substances,etc.)observed duiing the inspection of lhe subject property or that he or she became aware of during Ihe research invalved in perfarming this appraisal.Unless otherwise stated in this appraisal report the appraiser hes no knowledge ot any hidden or unapparem physical deliciencies or adverse conditions of ihe subject property(such as,but not limrted to, needed repairs,deleiioration,Ihe presence of hazardous wastes,toxic substances,adverse environmental conditions,etc.)lhat would make the pwpeiry less valuable, and has assumed tha[there are no such conditions and makes no guarantees or warrenties expiess or implied.The apptaiser will no�6e reSponSible fOr any suCh conditions that do exisl or for the engineering or tesling that might he required ta discover whether such condition exist.Because the appraiser is noi en expert in Ihe field of environmen�al hezards,this appraisal must not be conside�ed as an environmental assessment of the properry. ACPRAISER'S CERTIFICATION: The AppfaiSBf Ce��i�i¢5 a�d agtCes lhat: 1. I have,at a minimum,developed and reported this appraisal in accordance with the scope of work requi�ements staled in this appraisal report. 2. I performed a complete visual inspection of the subject site and any limited improvements.I have reported the informalion in factual and specific terms.I identified and reported the deficiencies of the subject site that could affect lhe utility of the site and its usefulness as a building bt(s). 3. I performed this appreisal in accordance with ihe requirements of the Uniform Standards of Pro(essiona�Appreisal Practice thal weie adopted and promulgated by the Appreisal Standards Board of lhe Appraisal Foundation and thet were in place at Me lime this appraisal report was prepared. 4. I developed my opinion of Ihe market value of the real properry that is the subject ot this report based on the sales comparison approach lo value.I have adequate comparable market data to develop a reliable sales comparison approach for thls appraisal assignment I further certity lhat I considered the cost and income approaches to value but did not develop them unless indicaled elsewhere wihtin this report as there are no or very limited improvements and these approaches to value are not deemed necessary for credible result and/o�reliable indicators of value for Ihis appraisal assignment. 5. I researched,verified,analyzed,and reported on any current agreement for sale far Ihe suhject properry,any offering for sale of�he subject properry in ihe twelve months prior to the effective dale of this appreisal,and the prior sales of the subject properry for a minimum of three years prior to Ihe eftective date of this appreisal,unless olherwise indica[ed in this report. 6. I researched,verified,analyzed,and reported on the p�ior sales of the compa�able sales tor a minimum af one year prior to the dae of Ihe sale of the compareble sale, unless otherwise indicated in lhis report. 7, I selected and used compara6le sales that are locationalty,physically,and functionally the most similar b the subject pwperty. 8. I have no�used comparable sales ihat were the result of combining multiple transactions mto reporled sales g. I have reported adjuslments to the comparable sales ihat reflectihe market's reaction lo the differences between ihe subject property and Ihe comparable sales. 10. I have verified,irom a disinterested source,all information in Ihis report that was provided by parties who heve a financial inlerest in the sale or financing of the su6jecl property. 11. I have knowledge and experience in appraising this type of property in Ihis market area. 12. I am aware of,and have access to,the necessary and appropriate pu6lic and private data sources,such as multiple listing services,tax assessment records,public land records and other such data sources for the area in which Ihe properry is located. VroGucetl usinq AGi sanPageB3 0l4�e111�xww.aciwen.com LaND_t0 05061o10 V � �� Summary • ' LAND APPRAISAL REPORT Fi�eNa. 13-0251 • . • . • 13. I obtained Ihe information,estimeates,and opinions furnished by other panies and expressed in this appraisal report irom reliahle saurces that I 6elieved ro be Irue and correct. 14. I have taken inro consideration the taclors that have an impact on value with respect to the subjecl neighborhood,subjecl properry,and the pwximity ot ihe subjecl property to adverse influences in the development of my opinion of marketvalue.I have naled in thls apprarsal report any adverse conditions(such as,but not limited m,needed repairs,deterioration,the presence of hazardous wastes,toxic substances,adverse environmental conditions,etc.)observed during Ihe inspection of the subject property or Ihat I became aware of during the research involved in performing Ihls appraisal.I have considered Ihese advetse conditions in my analysis of the properry value,and have reporled on ihe eftect ot Ihe conditions on Ihe value and marketabiliry of Ihe subject properry. 15. I have not knowingly withheld any significant infoimation irom this appraisal reporl and,to the best ot my knowledge,all statements and informatian in this appraisal report are true and correct. 16. I stated in lhis appraisal report my own personal,unbiased,and protessional analysis,opinions,and conclusions,which are subject only lo Ihe assum ptions and limiting conditions in this appraisal report. 17. I have no present or praspective interest in the property that is the subject of this repon,and I have no presenl or prospective personal interest or bias with respect to the participants in the transaclion.1 did not base,eilher partially or completely,my analysls andlor opinion of market value in Ihis appraisal report on the race,color,religion, sex,age,marital slatus,handicap,familial stams,or national origin of either the prospective owners or occupants of the subject properry or of the present owners or occupants of the properties in ihe viciniry of the subject property or on any other 6asis prohibited by law. 18. My employment andlor compensation for performing this appraisal or any future ar anticipated appreisals was not condilioned on any agreement or understanding, w�itten or otherwise,that I would report(or present analysis supporting)a predetermined specific value,a predetermined minimum value,a range or directian in value, a value that favors the cause of any parry,or the aUainmenl of a specific result or occurrence of a specific subsequent event(such as appwval of a pending morigage loan application. 19. I personally prepared all conclusions and opinions about the real estate that were set forth in this appraisal report I�1 relied on significanl real properry appraisal assistance trom any individuals in the perfoimance of this appraisal or the preparation of Ihis appraisal report,I have named such individual(s)and disclosed the specific tasks perPormed in this appraisal report.I certity Ihat any individual so named is qualified to perform Ihe tasks.I have not authorized anyone to make a change lo any item in this appraisal reporh,therefare,any change made b this appraisal is unauthorized and I will take no responsibility for it. 20. I identified the lendedclient in ihis app�aisal report who is the individual,organizalion,or agent for the organization that ordered and will received this appraisal report. 21. The lendedclient may disclose or distribute Ihis appraisal report to:the borrower,another lender at the request of the borrower,the mortgagee or its successo�s and assigns;mortgage insurers;government sponsored enterp�ises;other secondary market participants;data collection or reporting services;professional appraisal organizations;any department,agency,or instrumentaliry of the United S[ates;and any state,the District of Columbia,or other jurisdiclions;without having to obtain the appraiseYs or supervisory appraiser's(if applicahle)cansenL Such consen�must be obtained before this appraisal report may be disclosed or disiributed ro arty other parry(including,but not limited to,the puhlic through advertising,public relatians,news,sales,or olher media). 22. I am aware that any disctosure or disuibution af lhis appraisal report by me or the lendedclient may 6e subject to certain laws and regulations.Further,I am also suhject m the provisions of lhe Uniform Stantlards ot Professional Appraisal Practice that perlain m disclosure or distribution by me. 23. The borrower,another lender al the request of the borrower,the mortgagee or its successors and assigns,mortgege insurers,governmenl sponsored enterprises,and other secondary market participanis may rery on this appraisal report as part af any mortgage finance transac�ion that involves any one or more of these parties. 24. If this appraisal report was trensmitted as an'electronic record'containing my'electronic signature',as those terms are defined in applicahle federal andlor state laws (excluding audio and video recordings),ar a facsimile transmission of this appraisal report containing a copy ar representation of my signature,the appraisal report shall be as etfective,enforeeable and valid as if a paper version ot this appraisal report were delivered containing my original hand wriuen signature. 25. Any intentional or negligent misrepresentalion(s)contained in tAis appraisal report may resull in civil liability and/or criminal penalties including,bu[not limited to,line or imprisonment or both under ihe provisions of Tille 18,United Slales Code,Section 1001,et seq.,or similar state laws. SUPERVISORY APPRAISER'S CERTIFICATION: Th2 SupefVlSOfy APPfeiSef Cef�ifieS end eyfe05 tll2�: 1. I directly supervised the appraiser for this appraisai assignment,have read Ihe appraisal report,and agree wilh the appraiser's anarysis,opinions,stalements, canclusions,and Ihe appraiser's cenification. 2. I accept tull responsibiliry for the contents of this appraisal report including,but not limited to,the appraiser's anarysis,opinions,staiemen(s,conclusions,and ihe appaisei's certificatian. 3. The apptaiser identitied in this appreisal report is either a sub-contraclor or an employee of the supervisory appraiser(or Ihe appraisal firm),is qualified ro perform Ihis appraisal,and is acceptable to perform this appreisal under the applicable slafe law. 4. This appreisal report complies with the Uniform Slandards of Professional Appraisal Practice that were adopted and promulgated by Ihe Appraisal Standards Board of The Appraisal Foundation and that were in place at ihe time Ihis appraisal report was prepared. 5. If this appreisal report was transmitted as an'electronic record'containing my"electronic signature',as those terms are defined in applicable federal andlor state laws (excluding audio and video recordings),or a facsimile irensmission oi this appraisal report containing a copy or representation of my signaWre,the appraisal report shall be as eflective,entorceable and valid as if a paper version of this appraisal report were delivered containing my original hand wrinen signature. APPRAISER 3UPERVISORYAPPRAISER(ONLYIFREQUIRED) Signature � � / r~•� Signature tvame Steven W. Barrett. SRA. SRPA Name CompanyName S W Barrett Real Estate & Appraisal Svcs CompanyName CompanyAtldress 505 South Hanover Street. CompanyAddress Carlisle PA 17013 Te�ephone NumGer 717-243-6648 Telephone Number EmailAddress steveCc�swbarrett.com EmailAddress Date of Signature and Report 11/01�2013 Date of Signature Effective Date of Appraisal 1 OI021201 3 Slate Cerlificatian# State Certitication p G A000298L or State License tt or State License# Stale or Other(descri6e) Slate# Expiration Date of Certification or License state PA Expiration Date of Certification or License 06/30I2015 SUBdECT PROPERTY PA Certified General Real Estate Appraiser ❑Didnotinspectsu6jectproperty ADDRESS OF PROPERTY APPRAISED ❑Did inspect exterio�of su6ject proper[y from street 209 Greason Road Dateoflnspection Carlisle. PA 17015-7409 APPRAISEO VALUE OF SUBJECT PROPERTY S 990.000 LENDERICIIENT COMPARABLE SALES Name ❑Did not inspectezterior of comparable sales irom street Company Name M artson Law OffiCeS ❑Did inspectexterior of comparable sales from street companyAddress Ten East High St�eet Dateot�nspection EmaiiAddress P�oe��ea�s��Q nci sonwa�e,eoo zan.eni www.a��weo.com Page a ol d �nNO_to osoaza:o S.W. Barrett Real Estate & Appraisal Services 1 � 3� 1 USPAP ADDENDUM FileNo. 13-0251 Borrower: J. Richard 8 Doris S ZIMMERMAN Property Address: 209 Greason Road City: Carllsle County: Cumberland State: PA ZipCode: 1 7 01 5-7409 Lender: Martson Law Offices Reasonable Exposure Time My opinion of a reasonable exposure time for the subject property at the market value stated in this report is: Additional Certifications �I have performed NO services,as an appraiser or in any other capaciry,regarding the property that is the subject of this report within the three-year period immediately preceding acceptance of this assignment. �I HAVE performed services,as an appraiser or in another capacity,regarding the property that is the subject of this report within the three-year period immediately preceding acceptance of this assignment.Those services are described in the comments below. Additional Comments APPRAISER: SUPERVISORY APPRAISER(oniy ifrequired): Signature: Signature: Name: Steven W. Barrett. SRA. SRPA Name: Date Signed: �1101/2013 Date Signed: State Certification #: GA000298L State Certification #: or State License#: or State License#: or Other(describe): State#: State: PA State: PA Expiration Date of Certification or License: Expiration Date of Certification or License: 06130/2015 ,S�up ervisory Appraiser inspection of Subject Prop�ert.y: Effective Date of Appraisal:�0102/2013 l_J Did Not ❑ Exterior•only from street u Interior and Exterior oro�uceo using AC�s�l�ware,BOO.I31.B121 www.ac:weG cam USPRP_12NT 0511]012 � o � 3� ' ' File No. 13-0251 ********* Q U A L IF IC A T 10 N S *******'`"` The foliowing checked items are SPECIFIC SPECIAL CONDITIONS that were identified by this appraiser during the inspectlon of the subject property, the comparables sales, and their neighborhoods and locatlons. Unlesa otherwise noted, the conditions that apply to the subject property or the comparable sales used DO NOT AFFECT THE MARKET VALUE OR THE FUTURE MARKETABILITY OF THE SUBJECT PROPERTY BEING APPRAISED. This is not a home inspection service. This is an appraisal to estimate market value. __x_1. The subject fs located in a rural area and is less than 2596 built-up. 2. Commercfalllndustrial uses are located within the subject's neighborhood. These uses are typical of similar neighborhoods. x 3. Vacant and undeveloped land uses are located within the subject's neighborhood. These uses are typical for the area. x 4. The predominant value in the neighborhood is lesa than that of the market value of the subJect property. This is due to the very wide range of value of properties in the area and superior quality of the subject property. ____5. The subject property is located in a F.E.M.A. Identified Plood Zone. Flood insurance coverage is required and suggested. __6. Oampness is noted in the basement of the subject. Standfng or running water was not present on basement floor. This condition is considered typical in dwellings of this style. ____7. The subject property is serviced by private well and/or septic systems which is common for the area. 8. The subject is older than five(5) years. All mechanical systems including the heating, electrfcal and plumbing systems appear upon a visual exterior inspection to be in working order. No warranties are implied in this statement. __9. Repair items were noted in the comments section of the report. These comments on repair items are for descriptive purposes only and are not required repairs. The items listed are cosmetic in nature. 10. The basement floor is a dirt floor. Thfs condition is common and typical for the area. and does not pose a health or safety hazard. 11. The subject property does contain functional obsolescence as noted in the report. This condition is considered typical and common for the area and this style dwelifng. 12. The land value exceeds 30% of total value due to the high demand for vacant land in this neighborhood. This condition is considered common and typical for the neighborhood. 13. The land value exceeds 30% of total value. This is due to the large size of the site. This condition is considered to be typical and common. 14. Individual adjustments were required that exceed 15%. These adJustments were required due to lack of more sfmilar comparablea on that individual rating. All comparables used are the best available. _ 15. Total adjustments exceed 25%. This is due to the lack of comparable sales that were more similar in the subject's market area. Ali comparables used are the best available. x 16. One or more comparable sales are older than six(6) montha. Although there are comparable properties in the subject's area, none have sold recently; therefore, sales in excess of six(6) months have to be used. All comparablea used are the best available. x 17. One or more comparables uaed were in excess of one (1) mile from the subJect property. Although there are comparable p�operties in the immediate area, none have sold recently. Therefore, itwas necessaryto use comparable sales outside of the immediate area. All comparables used are located in similar neighborhoods and within the same marketing area. All comparables used are the best available. ___18. The electricai system was not connected during inspectfon. 19. The water service was not connected during inspection. ___20. The heati�g system was shut down during inspection, ___21. Roofing____Plumbing____Electrical____Heating____certification(s) is/are suggested. ___22. Inground swimming pool____, out buildings_____are included_____,not included____according to lender's guidelines. ___23. According to lender's guidelines a maximum of____acres were considered for this valuation. Remaining acreage was given no value. 11 � 3� , . File No. 13-0251 ********* Q U A L IF IC A T 10 N S *****"`** 24. The subject property is located on a private road. --- 25. Wood infestation inspection is suggested. x 26. Last recorded deed transfer: Date0 312 911 9 5 8_____, Consideration: S_22,000________• 27. Proposed constructionlrenovation in accordance to plans and specifications to be completed in a workman-Iike m anner. 28. Seller is paying part or all of closing costs. x 29. All comparable sales are verified closed sales. x 30. There are no special conditions or other requirements that would affect market value or future marketability in the Appraisal Report. 37. AM C fee was required in order to accept this appraisal request. � �J � � � _ _ , . File No. 13-0251 ********* Q U A LIFIC A TIO N S ********* Confidentiality and Security Policy We consider prfvacy to be fundamental to our relationship with clients. We are committed to maintaining the confidentiality, integrity and security of clients' personal information. Internal policies have been developed to protect this confidentiality, while allowing client needs to be served. We restrict access to personal informatlon to authorized individuals who need to know this informatfon to comply wfth federal standards to protect your nonpublic personai information. We do not disclose this information about you or any former consumers or customers to anyone, except as permitted by law. The law permits us to share this information with our affilfates. The law also permits us to share this information with companies that perform m arketing. When we share nonpublic informatfon referred to above, the information is made avaflable for Iimited purposes and under controlled circumstances. We requfre third parties to comply with our standards for security and confientlality. We do not permit use of consumer/customer information for any other purpose nor do we permit third parties to rent, sell, trade or otherwise release or disclose information to any other party. Education As of the date of this report, I andlor Steven W. Barrett, SRPA, SRA, ASA have completed the requirements under the continufng education program of the Appraisal Institute and the American Society of Appraisera. � � � 3� SUBJECT PROPERTY PHOTO ADDENDUM Borrower: J. Rrichard 8 Doris S ZIMMERMAN File No.: 13-0251 Pro ert Address:209 Greaaon Road Case No.: CitY Carlisie State PA Zip: 17015-7409 Lendef: Martaon Law Offices FRONT VIEW OF SUBJECTPROPERTY Appraised Date:October 2, 2013 Appraised Value: $990,000 �; � • �,��,�:= s , ,,, �� :��r`�*n �� -�� .�.'94i ��t��hi�l�8�vF'�n�t�.'.a �c:: . � .. br �� I�� I'"'�II'��I��"�� .; �+�` REAR VIEW OF SUBJECTPROPERTY �,� . � ��A �IX ,`��*��y��nw��'� �s " i � v 1 '1�pp � � s;.:5- - . ��p ;� STREETSCENE � _ ,� � � `� � �( � �3�� BOffO er: J. Richard 8 Doris S ZIMMERMAN File No.: 13-0251 Pro ert Address:209 Greason Road Case No.: CitV Carlisle State PA Zip: 17015-7409 Lender: Martson Law Offices Barn �._ _ . _ . � �-,.- Well House r. '� �t ,�.. - .' .i�" .s- 4 ��F��l�i; i1 j `i�R �� - 1��L,.L �,.,_'�. �. Im plem ent Shed ,.�,. Ls . � � �.1 q-1 � III �� .-�.. , `� "'q�- � . � � #�v � ` z�`�-' � � ��t,,. ��. FroEu<eo using ACi sotiware.800.21a.8/2]www.aciweb.cam �Hi3�57i1013 �� 0� 3� Borrower: J. Richard & Dorls S ZIMMERMAN File No.: 13-0251 Pro ert Address:209 Greason Road Case No.: State: PA Zi : 17015•7409 Cit : Carlisle Lender: Martson Law Offices Street (opposite vfew) � � � oHi3 05117013 Frotluced us��ng PCi so!iware,800.1�<.8��!www.aciweb com I(� � 3<� _ i . - 3t t9 c 8��P18 rh��z4s � � �� ,�U1aDr the 2°th do�/��/ MnPCh !�i l/�r pr�ir�,�'u�e• Lorrl ont tlwiu��er�i!��iin'hr�i�rlrv•d ai�d f1tt�-e1Pht �1°�+8). � bor�oe�Countv o�Cumberinn��and�9tnY..fof�Pennn,.vlvnniAf 1QAANT�Rnne- p N P � J. AICHAHD ZIMA'�:R1�'PN And DOP.I9 ?. 7.It.�"�'�'A."', h18 w2fr, of thP Townehip of WePt Penr.ebnrn, Countq of Cumberl�n�, nncl Btnte of PennaylnaniA, aRANTEEB. ��ItllP�Sl`��t, Iliaf i��r•ni�.ci�hv�nfi��o/� Twenr,y_tvo ThouaRnA (�4�,0�?0.00� - - - - - � � - - /Lillur�,r. iu hiu��l��niil,fd��r•r�•rr��l rrhrrrr�/'iv I�rrrA��n�•L•nn�nl+•rl�ril: lhr (:rNl�i,�'�u�r!rl L�e n��s.Ae hr�rh�� i,irnl nnrl r��i�rrry tr�1/�v.�nid I;ruul��r a, thr1P Ten ntie bY enLiretlee. iprd �it�+vtP in t�P To+rns'^in of '''eet �l� thoPe certAin trACt4 oP - /� Penr.Fborn, County of G1�mberi�nct, nnA 9LALe �f PenrPylv�nla, !:oun8ed L nnd deecribPd Ae P�ll�we, pccorcjlne tn F�irve.Ye +nefte bv T. �'?liott 2didetleton, Revietered Gurveyor, in Febr+�Ary an� March, 1P5S: TAACT NO�: H�GITNING nt n no�t at enrr.er of l^n�'W of J. �°12�on tine ancl A. HAyP�Jeetnenydistance o*�pO51^5�fe=:J �^�re o^ lea�e to North 30 Qeareee a etrilce• thence nlone land lntely nurchA�ed �Y thP "e�t ?ennFboro 9chonl Diatrict from LACy M. P.oftmvn N�rt!- �� eareen ?F minute� Er+at, a dietance o* 7�°•4 !eet to a noint in ttie center oP the pllb iCiT'OPdAnNOI'LF1A.S QQ�ICPPCWCFY.�'atAi�tance ofn°°0 fret,'r�oreVOr leee, to a ooint; thence by spme North :` decree� East, a dietnr,ce of 4�'fi feet, !ncre or ler±�, to n nolnt; ther.Ce s+lonP �nnft of c3eor�e L. ?iof*mnn nnd Auth L. Hoffman, hie �•rlfe, South 8� dPOreP� FBFL, a C1�8tA21CC Or BC...?�S f@Ct Ln A DOBL� t�epEPC�LORPmrf�JAtrrC�'.P.TIC@�VeF 30 minute= Eaet, n dlstanc� of 1.7.5 ane!e "lorth a' clearee,n 'Ve<t, n dintance of Pl.^5 feet to p �oint in center of the �ublic rond leaA.inp frnm P''_ain!Seld t� ^:recp¢i, C thence by center oP the nbove rniblic ro�P, North :� aevreof A ASntance of 1�8 feet to e nnintt t?�ence by =�me 9nuth ?5 Aecree� 8net, A dietnnce of 5�?.^5 fePt to = n�int; thPnce plono lpncl of J, u, M�nnin�, Qnuth F �PVree� 1R minuteg EPat, s �tat,+ncP o* 1a0.45 tP.PL to n ncet; theneqo�t�r87,Ae¢i�eea �.�J HLDUSEPicRPCJ^pR 4wnrr.er �nd �:hnrle. �'b•rly, `' '" �i4tAnce o! 266.�5 *eet t� A noet; thence elona len� of "'�aver, � °nuth lz fte!*reee °5 �^in�itea EA�L, A ASetAnce o' 1'�P2.6 feet to a �tone on t�+e Tlorth Rlaht of 'JAV line of the C.�.P.?. Dinieion oi The PPnnr.vlvanie P.nilronr C�mnany; thence Alona ��orth ?Saht of �"nv line of the nbove A.R. Co., °out*. �4 �P�*ree� ?5 minutee �'TPPt, n di�tnnce of �75.°5 ''pPt t� n P..R. iron• L'^ence '+v <;,^? Nr,rth 14 8e^reP? '5 T!nute� '?Pat, P �'1�tAnce o.* 5�.�5 *eet tn n noint; t�ence hy 4�r�e q�uth '75 �lerrre=n u'eat, � di�tnnce of ?15.'5 *eet to n noint in the centrr �� t?�e Aib?ic Ponci 1=�rinR *rom ^rea�on to Plsinfield; trPnce ?�y center of t�e Above nnbl2c rorc?, *Inrth t c'.e¢rees We�t, p �'i�t>nce ot 71."4 feet *o a noQt; thence Alonc � lnnd of A. HPy� Rennn��, 9outh �d �p�'7'°Pr We�t, a �'i�t�nce of °Ol.` feet tn A T1nPt, t'^.P nl�ce �f beeinr:inr. C ( � �� . .._,.,r._... _ ___ _ ._ _ ...�. - - �._. __ ._....� _.,. __ ...._._...._._ � � s.,�18 rh�,�50 CONTAINiNG 78.18 Acres, r�ore or ZP.AP. � BEIrG a n�rt of the orer�l aef r��l ch �•�ere ennveye� tn Rnbert S. Hoflmnn, A1FC knorn na R.9. Hoffinen, by deedP recer�ec� in t�r. Cumberl�nA County Reoorder�e Office in De�d Hook "L", V�1. 8, pnEre 485, end Deed Book "P", VoI. 11, onve �?�. Theaei�edRinPhie9 Hof.*man, alao knoWn AP A. 9. Hoffmnn. b*ina thereof der�esne ae of fee, died Leat4te on 9eptember B, 1°41, and b.y the terrte of hiP lnst Will nnd Teettunent, d»lv orobnte� Ar.d ren�ininP � of reo�rd ln t�.e OfPenneylvAni,�AeQis�t1l�H�ok1No,142EnrppRerlh3, he Cumberinnd Cnunty, , devieed the above desoribed oremises in fee simnle to tii� widow, LACy N. Hoffm,an, the brrntor herein. TF}ptfl'•N0. 2: ' BE62.T�'"I!:6 nt n noint in t"e cent�r of n �ubllc Alle��; Lhence elona lane� of t'-e C��mberl^nd `1.^lle7 Dlvieion of t�e Pennaylvnnie P^ilrond Cn^�nnny, Nnrth 7A recreeP EnPt, n c'.tatnncP of Two Hundred �200) *eet to n po�t; t�e.*.ce by RA!*.E tlnrth 10 derree� � 15 e�inutee '�'eet, n dietnnce o� To•enty-�ix ADfl fSVC—CP11Y,ti':P (^8.5) feet to n rrilroAd rAi1 on t*�.� 9nuth Riaht o! "!nv of tre ^?+ove mentloned Pennsvin�,nia Anilroad Comnnny; thence .91on¢ r'�e 9nvth A14ht of Wrv line, N�rth �� de¢reF� 1� *�im�ten EoFt, r �?intAnce of Four HundreR 9eventy ,nd five-tenthe (470.5) feet t� p rrilrovd rnil; thence nlona lnnde of f3u.v Fo�ter nnd kr�. K^len `4�nA�. 9^uth � deare•n :SO minutPe F.4et, P C�SPtMCP. o� �'i�ht °undrer FifY.y-Lhree nr.d five-tentha �R5i.g) fePt to n n�et; thence nlon� SRnA of M^e. Helen hl�oc'.n, 4outh 78 deareFS 45 Tlnutee We�t, a �i�tar.eP �* F^ur AundreA nnft Ninety-four �dO4) feet•`n r n�±nt in t�p c^nt�r of n. rniblic alle�� Sn t'^e Villa�e of ^roQa^�� nut�ab"�etP Adf�SPLBP,CCY.!tP. aF,nve oubllc nlle��, North 15 cleor p* Seven .°.undre� 4PVentp-nine snd aix-ten*�a (�'�°.F) !'e^t *.o ^ ��int, the DSRCp �t 9eclnnlnv. C(1PITAII�IP?�3 10.�1 Acre�, Tnre �r lP?e. 9�ING the rP�ne nre^�iFe4 a!-ich ?�nnroe E. a!�eAffer �nd Irene � 9he�ffer, hie wif?, by their Beed dated '.K�rc!� :�0, 1?53, rnA reco*�'ed Sn th► Cum'�erinnd County Recorder�� Office in Deed Book "G" Vol. 15, ne�e 172, vrnnted nnd conveyefl to L�ry M. Hoffe:nn, (3rantnr �!ereir.. V:L`.T �:.';': ,6 , w �, , . �. 3�R�s.g_.:::�.�'�-�- �• ;:r V�'�`�''�� ..�•..r� vu.i.�• ��.�'� � - C.,._�^.,.:n�... � .. , C�V�y ,� �nLWR 0{plF6! � �.�,....��p,�9�8' P_ Q��K. � .•�lPi hD I I ,I.NN�'l/1Ny, � 11 11 11 1 I I � + ' � �� ._........��... �..s�n. .. ..��... _..._��f _. „ .. .,..,._.--• � &�,.,��8 rh��251 � Ana tkt xaut Qnsntor N�il! Warrant 6ENF�iALLY ; V .y �� K.s�d�`�� Ou 2. �— . `f��'� Ih�proptrt,y hsre6y rnnvr,i/ed � �,pJi.• � ��,w A�i ,31n�itn»s�I�ereaf.tlu CUrnntnr ha a hersu�ato aef her l�und un�L etal C �qP r�iay nnd�earJirst ubnvt wrillen. f ' � �l1 " '� � "` ,li;gn.a. �ed�D .na �d'our�D i':.�...'�,`'-c � ?/.�tiut�`' ,t in tk�e pnsmrr of ��y nj. i.f��--ti � D�, ��, _ _ _ � .._., �° y 1 �� _ _ _ _ � . ..... . . .... ..... C II� _ _ _.� r� L$^•'� c«r% � __ __ _ ` '�S'`��n✓. __._ _..._.. . 1 � �� ,.,�:. �nd. �LommnnMrallh nf�Jrnasg�t�uwn �ss. lCountu ol G�mberinnd � !!n thiY.fhv 2Qth ��4'�J' MerCh, .a. n.1`�58.lw/arr, mr A Nott+Py Pu`'llC, thoµn.�rPr�iq�tr�dUfJltrr,prrxoitn(ly ra/ipea�rd Lacy 14, x�ffnAn, '41�ow, ki�uuv� tu n�r l�r,vufi,�/i�rturily prnrvul to bt Iht/�rsnn u•hnxr name 1 n aw6s�•rrGrd lu thx uiflrin inatrunernt,und ,�rk�oenrEr�L�(e�l thitl eht e.re�•uted fhe su�n�f'ur Ibr pur�rovra therein a�atui�e��l. .�`'��'-.�htrroF. I h.�rru.��l�7.ael nci/h�tiul ren n//i�irtl s �l. ''a�':'� , t' . . '. ,J: 'r �� ' °.. .......... ... ... ;�. :' M' .•, . �: _ . C � - : . .f �i _ : : �� .� i . ' % . a : �.._.__'.._'_.__. :m�'•.%,.+�� '� �— Tltl� N Ulec�. . � � \�` 4J: wtotifpel�[lP��nF�.lenn�yll+anin . ..�.,/e•''..�...... !�sl�. antp� �Lnuntn nf � C �lu( �� A.l). 1!I ,brJiu•� �rtr Ur� N�ix,lhr / r 7hr u,ndnrsr.¢nrd o/f'u•rr,/K'rxuuuNi� „�'��'•�'r•,••l known tn ntx,(or arifivf'a��tririlt/ prw•r�e/to!re thr)�erson :ekoxe name sub,rcriGr�fo fhr u•ithin inxlrumrnt,and �rr6•nou�h��l¢rd U�nt /�r e.recufed thr s�ine�/or fhr prcrpnxrs 1hPrrin ronlninrd. dn�litnrn�6hrreuE. I hrreunlo.rr/m.ry l��u�d und,njjr�•in!xval. __............._...........__............_.._..___..._......................_............__.. � ..._................................. .........._. ......... ... .._...................... �Tltq of Omc�r C ` � �� . _.......�...�..._.____ _ -_ _ -----�...,.- _,..___ __..�.._ _____ __...._...,...._ LOCATION MAP BOrrower: J. Richard & Doris S ZIMMERMAN File No.: 13-0251 Pro ert Address:209 Greason Road Case No.: Clt : Carlisle State: PA Zi : 1T015-7409 Lender: M artson Law Officea �� 74� za �1At,�c b�a p�� l.D !P� onleat Rd Qa ��:� `� Jenniru) �3$' ' � � _ � -" Q� � 5tatf � . . . Lt� fiark � � ' - . . � � , � s`a � Gqp � - - � Fnola Rd 9�' � � �f Lower Fronkford a Township McCrea _ Bltrsservilk Eno�Rd 94'!S 3' ffi �a isi� � Comparable Sale 3 ��, �Y p 17 Burgners Mill Rd 'b� ° Carlisle,PA 17015 �� (0.75 miles N) ____-- -- ,_—..._—_..-�-�.__ __— _ =---�---—- ainfield _ - �-- Subjed 209 Greason Rd r _��,�nsY�aA`�jp��y Cariisle,PA 17015 � � � -1=-=:` aN[�` ar7 �`� � � Kerrsvilk Comparable Sale 1 NaMi;.t.4�'' - 64� Alexander Spring Rd Cariisle,PA 17015 .. . 5seekt�n ttd� NEVyyIIIe (2.58 miles SSE) �Rock Ra Mt Rack Rd �,fl 1 Comparable Sale 2 �,,,r ` <'�� a B W Hatchery Rd Z33� �cr'` �� Newville,PA 17241 `5;?I Qp _.__ ,- (9.99 miles WSW) �a -= ��` A � C � � �� a� � ��'�i� - �• us� Ditki�sOe '� �� Mooredak W� °`�`pd Township Oakville »i � - o Dickinson _. _ __ ---- �. u �'de9 Stoughitawn Rd. , Moetsera R�Rd� a �� _ .-`f •Ns�+� . _._ lPine Rd _- :� � -_ _ _ ivj � K��,ys C U M B E R t. A N D�, 4`..ap� � �,� � Brushtown Emtrl z a �,c� _..Walnut Bottom „�g �,xan,,, a �Y�'" ..-`�-�� c.� 3 CentEt �m'�' µ. _ - c. t '�� `�9 ,,-`��mpd;ira�-'. � '��n�c `�__ _ - Chestnut , Crossroads �� .�� a°r °�� . - c �rlfa�fC�';1 �'cIJ �'�1i �:I!.'�!.IRCtifrC[J!i��ti � b q_n� ' . ry � _ _ ,,y� � �, 5:5 miles s '� � r i ac� 6k3a BOrroWer: J. Richard & Doris S ZIM M ERM AN File NO.: 13-0251 PfoqertY Addfess�209 Greason Road Case No.: CitY' Carlisle St1te' PA Zlp: 17015-7409 Lendef: Martson Law Offices . � e �Q °4 �� ¢a �a � pennayl�ania Tpke H � Sar+iaa R°ad �.� , �Kd Qb �g'` R°� Subject t 209 Greason Road �""�R° � Carlisle, PA 17015-7409 G�a ��' � , � � � � ��o� �oo um.k� rta �Greasan � � � � �,� ¢a s� C�yRd o- 4 rt�'� Flood Intormation FloodMap Legend Communiry:421590-WEST PENNSBORO.TOWNSHIP OF Flp�Z�� Property is not in a FEMA special flood hazard araa. 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"��'r��`�,s � $ y�� e � ai , ._a. � ie�� j �� ;� �, � �� -�� . _ � � -,�-�'�,' ,. r ,.... .. �� :-:, �� ,� :�r �.;�; =�� a� h ��`� ,�� < ��` ��' m v''P ,�t�,.. �e�- � � �+ � �� k�� ..,._ r � Q ��'�� r� 3 n 0 . � d ^ "_ ,�..,. o � � . ({ „ u aa � > � � r ; �� '` � ` � � � E"'� � c ��' � c F ` � c a `'�°' , � � �C �� .�..�.�� ._ D" U �� 3 A A � a � �� } � � � �� 5 6 �3^� Section 203 High Density Residentiai Zone (R-2} 203.i. Purpose-This zone seeks to accommodate the higher density housing needs of the Township.A wide range of housing types are encouraged,with densities exceeding those permitted eisewhere in the Township.These zones are located around existing, multi-family developments and major transportation routes.Both public sewer and water facilities can be made available to these areas, and are a prerequisite to higher-density development. Clustering is a development option that blends higher density uses amid protected natural features and/or usable open space. 203.2. Permitted Uses 1. Agriculture, including one single-family detached dwelling on the site subject ta the requirements listed in Section 200 of this O�dinance. This use shall also exp�essly exclude: A. Concentrated animal feeding operations(CAFOs)as deflned herein;and, B. Concentrated animat operations(CAOs)as defined herein; 2. Churches,church related education or daycare facilities and eemeteries(See Sectfon 310); 3. Forestry uses subject to the requirements of Section 323 of this Ordinance; 4. Municipal services andlor public utilities structures subject to the requirements af Section 200 of this Ordinance; 5. Pa�ks and playgrounds subject to the requirements of Section 200 of this Ordinance; 6. For lots with greater than four(4)acres that existed on the effective date of thls Ordinance, one additional dwelling unit may be created subject to those limitations described in Section 203.8.of this Ordinance,which is subject ta the applicable design standa�ds listed in Section 203.7.of thls Ordinance(beyond this additional units are permitted by cluster development as per Sections 203.4.1.and 414 of this Ordinance.) For lots with less than four(4)acres that existed on the effective date of this Ordinance,any number of addltional dwelling units may be created subject to the design standards listed in Section 203.T.of this Ordinance; 7. Dwelling units that existed on the effective date of this Ordinance;and, 8. Accessory uses customariry incidenta{to the above permitted uses,including,but not Ifmited to,family day-care facilities and naimpact home based businesses, both as defined herein. 9. Cluster developments(see Section 414); 203.3. Special Euceation Uses{Subject to the review procedures af Section 604.3.) 1. Boarding houses(see Sectian 410);and, 2. Nursing, rest or retirement homes(see Section 437). 203.4. Conditional Uses(Subject to the review procedures af Section 705) 1. Home occupations(see Section 428); 2_ Medical residential campuses(see Section 432); and, 3_ Horticulture,including sales and/or mariceting. 203.5. Maximum Permitted Heiqht(subject to modification under Section 304 of this Ordinance) 1. Principal structures-One hundred fifty feet(150')for uninhabitable farm structures,and thirty-five feet(35')for other structures. Further provided that every structure that exceeds thirty-five(35)feet in height is set back from each property line a distance equal to its height;and, 2. Accessory structures-Twenty-five feet(25');provided however, that every accessory structure higher than fifteen(15)feet shall be setback a minimum horizontal distance equal to its height from the closest side and rear lot line. �� v �� 203.6. All uses permitted within this Zone shali also comply with the applicable General Provisions in Article 3 of this Ordinance. 203.7. Reauired Design Standards-Unless otherwise specified, the following table presents applicable standards for non-cluster developmenks imposed by this Zone. See Section 414 for cluster developments. Section 203.7. Design Standards for the R-2 Zone Minimum Minimu � Maximum � Minimum Yard Setbacks Use Area3 � Lot � Coverage i Front ' One Both Rear � Width ; Side 3ides Agricuitural,horticultural,forestry uses. 10 acres5 200 ft.�_ 10% I 50 ft.° � 50 ft.4 100 ft.'1 50 ft.° Municipaf services,parks&play- 2,500 sq.ft. 50 ft. I 40% �� 20 ft. 15 ft. � 30 R. 20 ft. grounds,8 public u61i6es sUuctures. _ _ Single-famity dwellings with on-lot (sewage disposal and on-lot water '60,000 sq.ft. 200 ft. 20% � 50 fl. ! 30 k. 60 ft. 35 fL se+vice.'.z __ --- --�----- Single-family dwellings wilh either on•lo� sewage disposal or on-Ivt water 30,000 sq.ft. 150 ft. 30% 50 ft. 20 ft. 40 ft. 35 ft. service.',2 � , � Single-(amlly dwellings with both central lsewagB disposal and cenual water 10,000 sq.ft. 90 ft. 40% 40 ft. 10 ft. 20 ft_ 35 ft. service.�.� � Other permitted princ:ipal uses, 1 acre 150 fL � 20% 50 ft. 30 ft. 60 ft. 50 ft. including farestry. Accessory Uses WA WA WA� 1 Not 5 ft. 10 ft. 5 ft. i Pe►mitted �in fmrtt yarcf. For lots with greater than four(4)acres that existed on the effective date of this Ordinance,one addftlonal dwelling unit may be created subject W the design standards listed herein(beyond this,additional units are permitted by cluster developmeM as per Sections 203.4.1.and 414 of this Ordinance.)For lots with less than four(4)acres that existed on the effective date of this Ordlnance,any number of additionaf dwelling units may be created provided they comply wiih tha design slandards listed herein 2 For single family delached dwelling units and duplexes that ewsted on the effective date of this Ordinance. ''All uses relying upon on-lot sewers are subject to the requirements listed in Section 316 of this Ordinance. °Special setback reQUirements-Except as provided for in the following paragraph,no area for the storage or processtng of c�arbage or spent mushraom compost,structures for the cuttivation of mushrooms,shall be permitted within five hundred fset(500')of any adJoining land withln any residential or Mixed Use Zone. The Zoning Hearing Board may,as a special exception,however,reduce the above special set6ack requlrements where it is shown that,because of prevailing winds, unusual obstructions,topography,or other conditions,a�esser distance would protect adJoining lanris from odor,dust,or other hazards.In no case,however,shall ihe Zoning Hearing Board reduce the special setback to less than two hundrad feet(200').The burden shall be upon the applic�nt to prove ihat a lesser distance would not be detrimenta)to the health, safery,and general welfare of the community. SThe minimum lot size for agricultural and horticuftural uses may be reduced by conditional use subject to the requirements of Section 705 of this Ordi�ance provided that the goveming body determines that the proposed use is in accordance with the PA"Right-to Farm"law. 6a �`� b� 3� 203.8. Limitations on Subdivision andlor Land Develo ment 1. To preserve sensitive natural features and to ensure an efficient and campact residential development pattern, it is the express intent of this Ordinance that the subdivision of new residential lots or the development of new dwe�ling units shall be limited without the use of clustering,rega�dless of whether such development is accomplished by subdivision or land develapment; 2. Section 203.2.6. permits one additional dwelling uniUlot for lots that existed on the effective date of this Ordinance without the need to gain approval for a cfuster development in accordance with Sections 203.4.1.and 414 of this Ordinance; 3. The determination of eligible land for such additional dwelling unidlot shall be based upon all contiguous land within the R-2 Zone held in single and separate ownership,which was held by the landowner or his/her predecessor(s)in title on the effective date of this Ordinance. For the purposes of this Section,land held in single and separate ownership shall be considered to be contiguous regardless of whether: A. Such land is divided into one or more lots,parcels, purparts or tracts; B. Such land was acquired by the landowner at different times or by different deeds or other means;and, C. Such land is separated by public or private streets or rights-of-way. 4. ►f such land was not classified within the R-2 Zone on the effective date of this Ordinanee, the eligibiliry for development under this Section,shall be based upon the contiguous land held in single and separate ownership on the dale such land was first rezoned to the R-2 Zone;and, 5, The number of lots which may be created,or single-family dwellings which may be established, shall be fixed according to the size of the parent tract.This number shall not be increased by the subdivfsion of such pa�ent tract.Any subsequent owner of a parent Vact,land remaining in the parent tract after subdivision,or land which was formerly part of a parent tract, shall be bound by the actions of his predecessor. sa � g �� STEVEN W. BARRETT Steven W.Barrett Real Estate&Appraisai Services-Established 1976 505 South Hanover Street,Carlisle,PA 17013 Phone 717-243-6646 FAX 717-243-8627 E-Mail—Steve@swbarrett.com PROFESS(ONAL LtCENSES: PA State Certi�ed General Appraiser, CA-00029&L PA Real Estate Broker, RB-026921-A Certified PA Evaluator, AV-000034-L PROFESS(ONAL DESIGNATIONS EARNED: SRPA,Senior Real Property Appraiser, 11/90 CPE,Certified Pennsy(vania Evaluator, 11/88 Appraiser Institute—General Member Assessors Association of Pem�sylvania SRA,Senior Residential Appraiser,9/83 CRB,Certified Real Estate Brokerage Manager, Appraisal Institute—Residential Member 2/86,Realtors National Marketing Institute ASA,Accredited Senior Appraiser,Real Property CRA,Certified Review Appraiser,Senior Member Urban,7/90,American Society of Appraisers 4/81,Nationai Association of Review Appraisers GAA,General Accredited Appraiser, l 1/94 Realtors Appraiser Section ASSOCIATION MEMBERSHIPS: Appraisal Institute American Society of Appraisers Assessors Association of Pennsylvania REALTORS-National,State&Local Organizations OFFICES HELD: 2006 Board Member,Greater Harrisburg Assoc.of Realtors 1984-86 Presiden[,Chapter 70, 2003-?005 Board Member,Carlisle Board of Realtors Society of Real Estate Appraisers 2001 President,Appraisal Institute, Central PA Chapter 1982-83 Vice President,Chapter 70,Society 1998 Chair,Appraisal Section, of.Real Estate Appraisers Harrisburg Association of REALTORS 1981 Vice President,Carlisle Board of 1989-90 Vice Governor,District?0, Sociery of Real Realtors Estate Appraisers 1982 President,Carlisle Board of Realtors APPRAISAL AND REAL ESTATE EDUCATION: penn State Universiry-Courses Appraisal Institute/SREA-Courses SREA Course 101,An Introduction to Appraising Real Estate Appraising 1 SREA Course 102,Applied Residential Property Valuation Real Estate Appraising II SREA Course 201, Principles of Income Property Valuation Real Estate Appraising-Right of Way SREA Course 202,Applied Income Property Valuation Real Estate Theory and Practice SREA Gourse 301,Special Application-Appraisal Analysis Real Estate Finance At Course 510,Advanced Income Capitalizarion Real Estate Administration&Management Residential Demonstration Report Real Estate for the Small Investor Income/Commercial Demonstration Report ofBusiness Valuation Appraisal lnstitute/SREA Seminars: Online Business Practices and Ethics `04 �1 �-� 3� Environmental Issues for Appraisers '13 Penn Dot Right of Way Procedure `OS Business Practice&Ethics '13 Appraisal Review&The Process of PA Appraisers Regs '13 Reviewing `07 USPAP '13 Tax Assessment Law&Tax Appeal Ethical Behavior in a Wired World '12 Process in PA `07 PA Appraiser Regulations 2011 Review of PA Appraiser's Certification Valuing Homes With New Appraisal Requirements UAD '11 Act OT Specialized Oil&Gas Valuation'1 I Tax Free Like-Kind Exchanges`OS USPAP 2010-2011 Appraiser's In The Ring `OS How to Analyze&Value Income Properties '11 7 Hr. Elective Continuing Education Continuing Ed RECE45,32,722 '11 Course X&II `03 Enhanced Desk Review '11 USPAP '03, 'O5, `07 Hotel Appraising: New Techniques for Residential Construction `03 Today's Uncertain Times"09 Appraising the Oddball: Nonconforming Greening Historic Bldgs.21 S`. Century'09 &Difficult Properties Keep Yourself Safe&Legal `09 PA State Mandated Course '03 USPAP 2009 Uniform Appraisal Standards for Internet Search Strategies for R.E. Appraisers `07 for Federal Land`08 Appraising Environmentally Contaminated Properties`09 Online Business Practices&Ethics `04 Appraiser Liability '03 Appraising from Blueprints and Specifications 'O 1 Regression Analysis in Appraisal Practice 'O 1 FHA Appraisal Inspection from the Ground Up 'O1 Narrative Appraisal Report Writing Partial Interest Valuation—Undivided `00 Technology Form—Parts 1 and 2 `99 Litigation Skills for the Appraiser`98 Dynamics of Office Building Valuation `98 Loss Prevention`98 Uniform Residential Appraisal Report `97 Small Residential Income Properly Appraisal `97 Valuation of Leasehold Interest`97 Valuation of Leased Fee Interest `97 Underwriter's Guidelines to Real Property Appraisal Appraisal of Mixed Use Property Types `96 3� 6-� 3� Other Seminars: Veterans Administration Training `OS Veterans Administration Training '03 Appraisal of a For-Profit-Cemetery—AAP '96 Mandatory Brokerage- Kell '00 Appraisal of an Operating Landfill-AAP '96 Agency Changes,Choices and Forms Nursing Home Valuations-AAP '95 Realtors Institute '99 Reattors National Marketing Institute Law and Order: USPAP and PA Course 302,Marketing Management '86 Realtors Institute '99 HUD-FHA Training Seminar Elective Brokerage- Shearer'97 Pennsylvania Appraisal Statutes Mandatory Brokerage-Shearer'97 Two to Four Family Finesse-Appraising Appraising High-Value Residential Multi-Family Properties 2005 Properties 2005 WORK EXPERIENCE: Real Estate Property Manager, 1979 Real Estate Broker, 1974 Real Estate Appraiser, 1975 Real Estate Salesman, 1971 EXPERT WITNESS: Cumberland and Dauphin Counties Penn DOT Board of View Court of Common Pleas and Domestic Various Municipal Zoning and Master Hearings Planning Boards TYPES OF PROPERTIES APPRAISED: Residential Commercial Industrial Investment Multi-Family Mixed Use Agricultural Retail Easements Eminent Domain Right of Ways Subdivisions Feasibility Studies Cash Flow Analyses Assessment Appeals Consulting REAL ESTATE BROKERAGE: Listings,sales,leasing and consulting of all types of real estate in south-central PA 31 � 3� � ., . � �� . Commonwealth:of Penns.ylvania ` 1 z �a 9�� `.: � De�,�n��Of�tate , , �� Bureau of Pro „ �ra�ca��;.,; �a, hoaat A�fairs PO Bo �iarr.isburg �CJ,�2��15-2649 �� , �� .�� "� Certificate Type � �� °. ��.`"�` , � .,� ?, Certif[cate Status �,� r � � � : Certified Generai Appraiser ' °�� k��,'�.� � � x � Active � � �� ,��"'�u�� d :�^e ��,ti �;� _ :L l,� _ :t� !� 3��-''*, ,;��` '��,�a�-ti�.._.,_......-�-�'� � °" Initial Cerdficxtio�Da� `�^�.,.�,�,.�� ; 09/0611991' STEVEN W BARRETT Certificate 50.7 SOUTH HANdVER STREET Number CARU3LE PA 17013 GA0002SSL Ezpiration Da�e OS/30/2016'. �� ..._."«� ' / � . , : ,� s�gtuunr�t. Commissioner of Professional a�Occuaational Affairs 3 � G-� 3 � ,�u,. I »wf—w.ti.w ow�u.��w..�w�iw. �*�'�'�'` DOOK�O FACE1�1� � t� �e �� ' YADB TH6 Z Q'�.• d4Y ol �4i'�'� ix tA�yev ' e/orr Lo►d oM tAowswd wi+y krndrel siuty-two. BfTW61CN LAURA H. FINKENBINDER� widor►, of ffie BorouQh ot Carllsle, ' Cumbsrland County, Pennsylvenit, party of the tirst part, Gnwtor Md J. AICHARD ZIMMERMAN and DORIS 3, ZIMMERMAN, hu�band and wife, ' of West Penn�boro Townahip, CumberlandCounty, Penneylwnia, p�rtie�of the second part. G+rwta s: � WITNB33�TN�tAst�w eo�uidaatio�o/ -Twenty Thousand (=20,000.00)- �ry, b Aaed yata,tM nesiyt wAereo/ta k�re6y�ek�e�ut�do�d.W soii ors�ter 1oe� Aenbr 1� s�d cw�rep b tlw wid/rswts�e,their heirs and asaiQns. ae tenants by the entiretie�. ALL tnat certain tract ot.land aituate in West Penneboro Townahlp, Cumbsr- land County, Pennsylvania, the eame being bounded and described aa follows, to-wit: • BEGINHING at a etohe in the lane between the lande formerly of S. P. GarLnd now ot J. Clark Jardine, end the lande[ormerly of the John Grahsm Eatate, now of J. Harvey Coover; thence along eaid land of J. Harvey Coover, North Twenty- three and One fourth (23 114)degreee Eaax, Five Hundred Ten (5.10�_[eet. more o lesa, to a black oak etump; thence by the eame. North Three and One hal!(9 lI�) degreee W.e�t, Three Hundred Seventy-eight nnd Five tenthr (378.5)feet to a atake; the�ce etill by the eame, South Sixty-nine (69)degreee Weat,.Three , Hundred Five (305)feet to a white oak etump; thence by the eame. 5outh Sixty-. five and One half(85 1/2)degrees Weet, Three Hundred Forty-one and Five ten (341.51 feet to a stake and etonee;thence by eame, North Twenty-seven(27) degreee West, Six Hundred Thirty-two (832)feet to a atone; thence by eame, North,Fifty-four (54) degreee Weat, Six Hundred 3ixty-six and Six tenUu (668.8) feet W a poet at the corner of land formerly ot Miea Sue Boeler, now ot other land o[J. Richard Zimmerman; thence along the land of eaid J. Richard Zimmerman, North Seventy-three and One fourth(73 1/4)degrees Ea�t, One . Thoueand Sixty-eight (1068)feet to a post at the corner of land formerly of L. F. Hrymeaser, now oL other land of J. Wileon Stine;thence by said land ot J. Wilw � Stine, Soulh Three tourthe (3�4) degree Weet, .Oue Iiundred Eighty-eigM and Two i tenths t188.2) feet to s poat;thence by the same, North Seventy-eix and One fourth(78 1�4)degreee Eaet, One Thoueand Orte Hundred Eighty-four(1184)feet to a poet at the corner o[land tormerly of John Hoovar, now ot Leeter Keck; thence by the land of esid Leeter Keck, Soath One and One Mlf(1 1/a)degrees , West, croseing the public road and then along land formerly of William Mentzer, now o!William F�ynard, One Thoueand Two Hundred TwenLy-eight(1238)teet to t post;thence nlong the land ot eaid William f�ynard. NorW Seventy-four and Oae hatf(74 1/2) degreee Eaet, Four Hundred Eighty(480)feet, more or tess. to w old white oak etump at the carner of land tormer�q of W. H. Royar, now of Laura H. Finkenbinder;thence by land of uid I,aur�N. Finkenbinder, Nort6 Seventy-nine aed'Chrea fourehs (79 3/4)deQree�East, One Thouswd One Hnndre � Fif�y(1150)feet, more or le��, to a rton�pile at l�nd now or lormer�y ot Clareace Line; theace by�aid land of Clareace Lias, South Fa�rteen�ud Ona ,� �i , . - ��. � , �� . , . . - � .:.� � r...w� �.. � ` ( � � � , � , . .. . . . . _...............�..�......��.�..Lt��N�l�.��..�...�..�� ..........................�. . '�� r��_ �� ♦. i �-. •. . :� � I 1I lourth (14 1!4)deqrees Eaet, One Thoueand Fourteen and Seventy-five hundred i (1014,i 5) [eet to a black oak; thence by the aame, South Forty-aix and One [ou (46 1/4)degreea Weat, Five Hundred Thirty-eix (538) [eet to etones;'thence by the same, South Seventeen and One half(17 1/2)degreee Eaet, Four�Fiundred' Nineteen and One tenth(419,1)teet tu a poat at the eide of a private lane;thence along the eide of eaid lane and by land now or formerly of Clarence Line, Soutit _ Fitty-[our and Three tourthe (54 3/4)degreee Weat, One Thoueand Eighty=eight (1088) feet to an iron spike in the center of the publtc road leading trom Greaeon to the Carliele and Chamberaburg Turnpike; thence by the center of eaid road . and land now or formerly ot W, E. Kerns, North Thirty-one (31)degreee Weet, Three Hurtdred Twenty and Three tenthe (320,3) feet to a point; thence by the eame, North Forty-tour and One half(a4 1/2) degreea WeeS, One Hundred 3isty- one (161)feet to a point; thence by the same, North Fifty-foui (54)degreee West, Three Hundred Thirty-two and One tenth(332.1)feet to a point; thence by the eame, North Thirty and One half(30 1/2) dearees Weat. One Hundred Fifty-one . and Eight tenthe (151.8)feet Lo a point; thence by the eame, North Thirty and . Oae half(30 1/2)degreea Weat, One Hundred Thirty-nine and Five tenth� (139.5 teet, more or lees, to a apike in eaid public road oppoeite a priwte lane;thance along satd lane and lande now or formerly ot W. E. Kerns and,lands formerly of 3. P. Garland, now ot S. Clark Jardine, North 33�cty-eeven and Three fourth� (6? 3/4)degreee Weet. One Thoueand Nineteen and Seven tenths (1019,7)feet to n.eWne, the Place and Point ot SEGINNING. i CONTAININC One Hundred Th1rty-tive (135)Acree and Ninety (80) Perches, more or leee, according to n eurvey made March 1, 1933, by a. F. Wetzel, Surveyor. , BEING the same tract ot land which D.,P. Finkenbinder and Sarah E, Finkenbinder, hueband and wife, by their deed bearing date the llth day ot June, 1943, eaid deed being recorded in the Office ot the Recordar of Deeda in a4d tor Cumberland County at Carlisie, Pennsylvania, in Deed Book"R", V,olutne 12, Page 23D, granted and conveyed unto John W. Finkenbinder sad Ltura H. Finkenbinder, hueband and wite. The said John W. Finkenbinder died Juns 10, 1957, thw veatina the Absolute title in the abmro-de�cribsd premi�e��ol��y,inh aurvivtng epouee, Laura A. Finkenbinder, GRANTOR hereia, by opqntion ot law. J Schcr�l D'st,CYU��.P� , , � NI t�H I �U iru�la f�i . . Od� IL � ,�e . . . . �. �� •. �� eoac�2p e�1113 . • : � � � �3 eooK�20 P,�E 1114 AND,the eaid prantor ,doee Ae�eby eove�ant a+td apree to aed with t�mid prunkq ,tllst she , ths praRtor. her Aein,sssa�:ors awd adw�i+wtraton,rAall snd ariJ!wsrrsKe general�y w�i Jorov�r de%nd tAe Aerein a6ov�deari6ed prowiuu,witA tAe llerod{taf�e�ta wid ey�rt�nswew,rRto tM asi�pnetn t, the1P Ai(n � nnd a�y+u,apa{sat tAr raid p+aetor ,eed apsiMat�wry otMr yrno�la�oJrlqi e(sf+R(+w sr w�o �A�U Aervs/tn ddu tAe n+ne sr awy ysrt tAerw/. i /N WITNESS WNEREOF,mid pronEor ha� knexnto at her Aaad snd aea! the dny and yrnr Jfrat aAnvc�uritfe�. ��.o,s..i.a.na a�hKa ''['4�`.v.`°'....7`.F.�...z.ti,.it,....�.:�.�.6 �� Laun H. Finkenbindar • � �M ll�f�M/ttlff R r--. � ..."""_'.._..............................................................._.. tliAL � . ......... .... .. . . ......... � � ..._....._.._................................................................... s1�o �'t.�-A �.. x -- _ ! ... ...... . .... �i�6 ...... ........................... .................. ......................................""..."""........................... I do hereby eer/t�ify that tUe preci�e re�idencs ot the withia-named Crantee�i� , ��.f i'"�i'�'/Ya, , , � �dy��n.�DA� � i'.�-. �I�IA� '�:°�Ii'a�; ' :t��y:�..�'7.1� ;�.2� '"� x: y I� � _ ` .9/.�'`. �o� 4.;� .� .��°Q .c �� , /:11 4, `•.�," R[COrtnr�.Or�ItE Or iMt �'��A7. ,��1 r .:i r /� � Ik� �.��• YfWeokARDFLL� '�kY'�". r'��?`' '�i . �+�j Z�� '''� ��:%� ' /.?:T�S' n,MerM� �M v��.qs rwu State o/ pENNSYLVANLI � w' County o/ CUMBERLAND O�lAii.!A� � S,� day o/ � �1! ,/982 ,beJore mt, tAe ander+ipned oQlcer,ycrronalty aypearcd L,aura H. Finkenbindpr, widow, kworrx to+ne(o►aati�Jaetorily yra�en)to 6e tAe persos wka�wams is su6�eri6ad to lkr.witk. ie iwrhrwe�t,awd xk�wmkdp�d tAat �Aa ssseMtsd tAe iaw�e Jor tAs puryoaes tAerein mk tsi�ed. IN WITNB33 WHBRSOl;I AereKwlo iet+ny hsnd snd o,s'ieial ted. �` � .•,' ,....,. . , ...............................�!!r.....�..........,�.�A�....µ�- tyc�4 : .....,, M�M NMe.GM�N.CanMrla/ �'0�''. ,'•. � ` . �bCwYilr�w�MM'lfY'--......j.�.�..�T�_f#y. 'y.t. . {1�le�I�eer. � I • '�,i V B�C.;�� ,,',ti . ,.�.� �*�.,.«�.�,•r� M . •��M,I H,•�'• I ,�--. . � :; 3 a--� � 3 `�� ' _ , S. W. Barrett Real Estate&Appraisal Services File tvo. 13-0253 APPRAISAL OF <,,t � i LOCATED AT: Greason Road Carlisle, PA 17015-9416 FOR: Ma�tson Law Offices Ten East High Street Carlisle, PA 17013 AS OF: October 2, 2013 BY: Steven W. Barrett, SRA. SRPA PA Certified General Real Estate Appraiser �� , -�`��`� � y a-� �{ 3 , S. W. Barrett Real Estate & Appraisal Services File No. 13-0253 1 1/0112 01 3 Martson Law Offices Ten East High Street Carlisle, PA 17013 File Number: 13-0253 in accordance with your request, I have appraised the real property at: Greason Road Carlisle, PA 1 7 01 5-941 6 The purpose of this appraisal is to develop an opinion of the market value of the subject property, as improved. The property rights appraised are the fee simple interest in the site and improvements. In my opinion, the market value of the property as of October 2, 2013 �S� E388,000 Three Hundred Eighty-Eight Thousand Dollars The attached report contains the description, analysis and supportive data for the conclusions, final opinion of value, descriptive photographs, limiting conditions and appropriate certifications. Respectfully subm itted, �� Steven W. Barrett, SRA. SRPA PA Certified General Real Estate Appraiser � �� 3 I ' S. W. Barrett Real Estate & Appraisal Services LAND APPRAISAL REPORT FiieNO. 13•0253 7he purpose of this summary appraisal repon is to provide Ihe IendeNclienl with an accura�e and adequatery supported opinion of the market value ot the su6ject properry. • •�• � • P�operry Adaress: Greason Road . ciry:Carlisle State: PA zip:1701 S-9A16 eorrower: J Richard 8 Doris ZIMMERMAN owneroiaubiicRecoid: Zimmerman, J Ri coun�y: Cumberland legalDescription: Deed Book 20L Pa e 1112 nssessor's Parce�u: 46-08-0583•010 Tax vear. 2013 R.E.iaxes: 824.00 NeighborhoodName: W88t P@11�SbOfO TOW�ShIP MapReference: OS•0583 CensusTracl: 0128.00 SpecialASSessments: N0118 PUD �Yes XQ No Hoa:a NIA � PerYear � PerMOnth Property Rights Appraised: XQ Fee Simple Q Leasehold Q Olher(describe) Assignment Type: �Pu�chese Trensaction �Retinance Transaction o Other(descri6e) LendedClienC Address: • I �did �did not analyze the conlract for sale for the subject purchase transaction. Explain the results oF the analysis af the contrect for sale or why the analysis was not pe�formed. Conract Price S: Date of Conlract: is the property seller the owner o�public record? Yes No Data Source(s) Is there any linancial assislance Qoan charges,sale concessions,gift or down paymenl assistance,elc.)l0 6e paid by any pany on behalf of tbe 6orrower? ❑Yes No If Yes,repoil the total dollar amounl and describe the items to he paid. S :�' •�� Note:Race and the reciel com osition of the nei h6orhood are not a reisal factors. Neighboihood Characteristics One-UnitHousing Trends One-UnitHousing PreseniLand Use% Location Urban Suburban X Rural Pro er[ Values Increasin X Stable Declinin PRICE AGE One-Unit 25 % Built-U Over 75% X 25-75% Under 25% Demand/Su I Shorta e X In Balance Over Su I 5 000 rs 2-4 Unit 0 % Growth Ra id X Stable Slow Marketin Time Under 3 mths X 3-6 mths Over 6 mths 140 Low 0 Multi-Famil 0 % Nei hborhood Boundaries: SUb 8Ct is bounded on the north b b Enola Rd on the east 225 Hi n 100+ Commercial 0 % S rin Rd on the south b Walnut Bottom Rd 8 the weat b Carlfsle Rd. 180 ared. 40 ocher Vacant 75 � Good Aver. Pair Poor Good Aver. Fair Poor Convenience to Em lo ment X Pro erl Com atabilit X Convenience to Sho in X General A earance of Pro erties X Convenience to Primar Education X Ade uac of PolicelPire Protection X Convenience[o Recreational Facilities X Protection irom Delrimental Conditions X Em lo mentStabilit X OverallA ealroMarket X Nei hborhoodDescri �ion: There are no adverse factors to affect marketabilit of the sub ect. Diverse stable em lo ment and all su ortin amenitfes are wfthin reasonable drivin distance. MSA 3240 MarketConditions inc�udin su ortfortheaboveconclusions: Pro ert v8lues cur�entl are st8ble. Local multl-Ust data indicdtes an avera e marketin time of 90•180 da s. Economic trends and Iendin rates have remained favorable. Sales concesslons are occurin more fre uentl • however there is no known revelance of unusual seller financin concessions or bu downs. There are new homes under construction in sur�oundin develo ments as well as resales avaflable in the nei hborhood. � . . �imensions: See legal descriptlon area: 49 X ncres Sq.Ft. Shape: Iff89ul8f view: O en countr ZoningClassification: R ZoningDescription: Ru�81 ReSidentiel Zoning Compliance: X Legal Legal Nonconforming(Grandfathered Use) No Zoning Illegal(describe) Uses permitted undeicurrentzoning regulalions�. S89 zonin ordinance in the addenda of this re ort Hiqnesca aes�use: Current use or an use ermitted under current zonin Descri6eanyimprovemenis: Pole buildin 48x80 and O en shed 22x80 Do present improvemenls conform lo zaning? X Yes No No improvements If No,explain: Presentuseofsubjectsite: AgfiCUltUf81 Curren�orproposedgroundrent? Yes X No IfYes,S ropograpny: Level to rollin s�ze: T ical for area Drainage: App88fS ade uate CornerLO�: Yes X No UndergroundUtili[ies: Yes X No Fencetl: Yes No IfYes,type: Special Flood Hazard Area Q Yes XQ No FEMA flood Zone: X FEMA Map#: 42041 CO220E FEMA Map Oate: 03/16/2009 UTILITIES Public Other Provider ar Descri tion O�FSi[e Im rovements T elDescri lion Puhlic Other E�ectricit X StreeiSurtace As halt X Gas SlreetT ellnfluence TOW�ShI /N@Ut�31 wacer X To be well CurblGutter None Sanitar sewer X To be se tic Sidewalk None Other StreetLi hts None Other Alle NOIIB Are the utilities and off-site improvements typical for Ihe market? X Yes No If No,describe: Are there any adverse site conditions or external tacrors(easemenls,encroachments,environmental condllions,land uses,ere.)? Yes No If Yes,desciibe: WeII/Se tic are common forthe area and have no adverse affecton marketablilit . There are no adverse easements encroachm ents or other adverse conditions. sicecommen�s: Sub'ect is taxed under the Clean & Green ro ram which encoura es reservation of farm land. Protluce��sinq ACi so�iwere.900.2�d.B�21 www.aciwe0.com LANp_10 0506�a10 � � y3 ' ' S. W. Barrett Real Estate & Appraisal Services LAND APPRAISAL REPORT Fi�eNO. 13-0253 There are 1 com areble siles currentl offered for sale In the sub�ect nei h6orhood ran in in rice irom S 37S 000 to S 375 000 There are 1 com arable sites sold in the ast 12 months in the su6�ect nei hborhood ran in m sale rice irom S 250 000 m 5 500 000 FEATURE SUBJECT COMPARABLESALEN0.1 • COMPARABLESALEN0.2 COMPARABLESALEN0.3 qdaress Greason Road Enola Road Mount Rock Road Nealy Road cit IsuZi Carlisle Newville 43-05-0417-093 Newville 48-OS-0591-001.-EX Newville 30-09-0513-053 Proximi� to Sub'ect 4.45 m iles N N W 3.84 m Iles SSW 8.37 m iles W SW oaia source s Courthouse Records Courthouse Records Courthouse Records Verificatian Source s � Sale Price E 8 418 000 5 475 000 E 480 268 Pricel S 0.00 S 7 799.98 E 7 530.12 S 9 000.52 Dateofsale MO/DAIYR NIA 0312011 11/2010 0312013 Da sonMarte� N/A Unknown Unknown Unknown Financin r e NIA Unknown Unknown Unknown concessions NIA Unknown Unknown Unknown �ocaiion Rural Rural Rural Rural Pro er� Ri htsA reised Fee Sim le Fee Sim le Fee Sim le Fee Sim le site size Acrea 48.56 53.59 63.08 53.38 view O en countr Residl0 nCntr Resid/O nCntr O en countr To o ra h Level to rolifn Level to rollin Level to rollin Level to rollin Availahle u�ilities elec elec well se tic elec well se tic elec well se tic StreetFronta e 612'+l- 1146't -390 200'3 377 3924't -1 800 streetT e Townahi /Neutral Twnsh INeutral Twnsh INeutral Twnsh INeutral Waterinlluence None None None None Fencin Wire Fencin Unknown Unknown Unknown Im rovements Two Outbid a Inferior 2.5% 19S Inferior 2.5% 188 inferior 2.5�e 450 Zonin R None 390 R1 & R2 0 None NetAd'ustment 7otal in E X + - S 195 + - S 565 + X - 5 1 12S Adjustedsalespriceofthe NetAdj. 2.5% NetAdj. 7.5% NetAdj. -12.5% Com ara6�e Sales in S Grossnd'. 12.5% E 7 995 Grossnd. 7.5% S 8 095 GrossAd'. 27.5% S 7 876 The Appraiser has researched the transfer hisrory of the su6jecl properry for the past 3 years and the listing history of Ihe subject for the past 12 months prior to the eflective date of this appraisa�. The appraiser hes also researched the transfer and lisling history of Ihe comparabte sales for Ihe past 12 months. The appraiser's research ❑did � did not reveai any prior sales or transfers of the subject property for the three years prior to the effective dale of Ihe appraisal. Dala Sources: The appraiser's research did did not reveal any prior sales or Iransfers of the comparable sales for lhe year piior ro Ihe date of sale of the comparable sale. Dala So�rces: The appraiser's research did did not reveal any prior listings of the subject properry oi comparable sales fo�the year prior lo the effective date ot the appreisai. Data Sources: ListinglTransfer History TransfedSale(ONLY)otthe Listing and Transfer hismry of Lisling and Transfei history of Listing and Transfer history ot Suhjectin past 36 monlhs: Comp 1 in pasll2 montbs: Comp 2 in past 12 months: Comp 3 in past 12 months: (ifmorethantwo,usecomments a N/A N/A 5 N/A NIA 5 NIA N/A S N/A N/A section or an addendum.) a a E E Sub'ectPro ert Is Currentl Listed For Sale? Ves X No Oata Source: CPM L$ Currenl Listing History list Date List Price Oays on Market Data Source NIA E CPMLS Sub�ect Pro er has been listed within Ihe last 12 Manths? Yes X No Daia Source: C H RIC P M L S 12 Mon[M1 Listing History List Date List Price Days on Market Data Source NIA E CPMLS s CommenisonPriorSales/TrensfersandCunentandPriorlistin s: No fu�the� r9cent recorded t�ansfers were found. summar of�hesalesCom arisonA roach: fronta e is ad usted at 5% for com arable Nos. 1 8 2 and at 20% for com arable No. 3. Outbuildin s conaiat of a metal ole buildin 48x80 with an o en frame shed 22x80 considered to be in fair to avera e condition. Com arablea are ad usted at 2.5% for lack of outbuildin a. Zonin is ad uated at S% for com arable Noa. 1 � 3. Ad usted ran e of value is 7 878 to 8 095 er acre Sa 8 000 er acre. 48.58 acres x 8 000 = 388 480• Sa 388 000. ReconciliationComments: The Market Data Anal sis su orts the estimated market value of the sub ect. The Cost A roach and Income A roach wsre found to be ina ro riate for this anal sis. Greatest wei ht is a Ifed to the Market Data Anal sis. Su ortin file information substantiates the estimate. Thisa raisalismade X 'asis' or sub�ecttolhetollowin conditionsorins eclions: A raiSal i8 fo� Client Onl nontrdnsf6rab16. 8�s�tl on�com pl�u vlsual Insp�ctlon of th�aub��ctslte and tDos�Im provem enta upon a�id slb,d�fla�A acop�olwotk,atabm�ntof asaum ptlons and Ilm Iting condltlons,an0�pprals�r'a csrtlflcation,m y(our)opinlon of m�rk�t valu�,as tlafln�tl,of th�ra�l proparty th�t Is the subJ�ct of thts raport la: O Inion of Markst Value:i 388 �0� as of: ��2�2��3 whleh Is th�dat�of Ina ectlon antl th��ffactlV�Cat�of this■ rals�l. �roduced usinp ACI solt'xere,000.11e.B)1]www.aciweb.com Page 1 014 LPNO_10 o5o61010 S.W. Bar�ett Real Estate 8 Appraisal Services ---� �� y -3 ' ' S. W. Barrett Real Estate 8 Appraisal Services LAND APPRAISAL REPORT FileNo. 13-0253 .... •• � . •• • � . Is Ihe deve�opedbuilder in contwl of Ihe Homeowners'Association(HOA)? ❑Yes Q Na Unittype(s): ❑ Detached ❑ Altached Provide the following infarmation for PUDS ONLY if Ihe developedbuilder is in control of the HOA and the subjecl properry is an attached dwelling unit. Legal Name of Projech Totai number of phases: 7otal number of units: Total number of units sold: Total number of units rented: Total number of units ror sale�. Data source(s): Was the project created by the conversion of existing building(s)inlo a PUD? ❑Yes No It Yes,date of conversion: Does the project contain any multi-dwelling uni[5? ❑ Yes ❑ No Data Source: Are lhe units,common elemenls,and recreation(acililies complete? ❑Yes ❑ No If No,describe the status ol comple6on: Describe common elemenls and rec�ealional facilities: • � � This report form is desiqned to report an appraisal of a parcel of land which may have some minor improvements but is not considered to be an'improved site'.All improvements are considered to 6e of relativeiy minor value impact on Ihe overal�value of the site.This report form is not designed ro report on an'improved site'where significant value is derived from Me improvements. This appraisal report form may be used for single family,multi-fam ily sites and may be included within a PUD development. This appraisal report is subjecl to the following scope of work,intended use,intended uset,definition af market value,statement of assumptions and limiting conditions and certitications. M odifications,additions,or deletions lo the intended use,intended user,definition of market value,or assumptions and limiting conditions are not permitted.The appraiser may expand the scope of work to include any additional research or analysis necessary based on ihe commplexity of this appraisal assig�ment.M odificatians or deletions lo the certifications are also not permitted.However,additional certifications that do not constiwte material alteralions to this appraisal repart,such as Ihose required by law or those related to the appreiser's continuing education or membership in an appraisal organization,are permitted. scovfl oF wOaK: The scope of work for ihis appraisal is defiaed by the complexity ot this appraisal assignment and ihe reporting requirements of ihis appraisal report form,includiag lhe following definition ot maiket value,slalement of assumptions and limiling conditions and certifications.The appraiser must,at a minimum;(1)perform a complete visual inspectian of the suhject site and any limited improvements,(2)inspect the neigh6arhaad,(3)inspect each of Ihe comparable sales from al least the street,(4)research,verity and enalyze dala irom reliable public andlor private sources,and(5)report his or her anatysis,opinions and conclusions in this appraisal report. iNrENOED usE: The intended use ot lhe appraisal reporl is for the lendedclient lo evaluate the property that is the subject of this appreisal tor a morigage finance transaction. iNTENOED uSER: The in[ended user of this report is Ihe lendedclient identified within the appraisal report. DEFINITION OF MARKET VALUE: ThB rt1051 pfOba618 ptic2 whlCh a pfOpefty ShOUId bfl�g in a competitive and apen market under all conditions requisite to a fair sale,the buyer and seller each acting prudenity and knowledgeably,and assuming the price is not affected by undue stim ulus.Implicit in Ihis definition is lhe consummation of a sale as of a specified date and ihe passing of title from seller ro buyer under conditions whereby:(1)buyer and seller are typically motivaled;(2)hoth parties are well intormed or well advised,and each acting in what they consider lheir own best interesl;(3)a reasonable lime is allowed for exposure in the open market;(4)payment is made in lerms of cash in United Sta�es dollars or in lerms of financial arrangements comparable lberelo;and(5)the price represents the narmal consideration tor the property sold unaffected hy special or creative tinancing or sales concessions•granted by anyone associated with the sale.(Source:OCC,OTS,FRS,&FDIC joint regulations published June 1,1994) •Adjustments lo lhe comparabtes must be made for special or creative concessions.No adjustmenis are necessary for those cos[s which are normally paid by sellers as a resull ot tradition or law in a market area;these costs are readily identifiable since the seller pays ihese costs in virmally all sales Irensactions.Special or creative financing adjustments can be made to lhe compereble properry by comparisons to financing lerms ofteied by a thhd parry institutional lender thal is not already involved in the property or trensaction.Any adjustment should not 6e calculated on a mechanical dollar for dollar cost of ihe financing or concession but the dollar amount of any adjustment should approximate Ihe markefs reaction m the financing or concessions based on the appreiser's judgment. STATEMENT OF ASSUMPTIONS AND LIMITING CONDITIONS: Th¢apprai5er'S C¢f�ifiCatlOn in ihis report i5 SUbjeCt(0 ihe f0110wing a55ump1i0n5 and Ilml�ing COndill0n5: 1. The appraiser will not be responsible tor matters of a legel nature that affect the subject properry being appraised or the title to it,except for information that he or she became aware ot during the research invoived in performing this appraisaL The appraiser assumes Ihat Ihe tiUe is good and marke�ahle and will not render any opinians ahoul lhe title 2. The appraiser has examined the available flood maps that are provided by ihe Federal Emergency M anagemen�Age�cy(or other data sources)and has noted in this appraisal�eport whether any portion of the suhject site is located in an identified Special Flood Hazard Area.Because the appraiser is not a surveyor,he or she makes no guarantees,express or implied,regarding this deiermination. 3. The appraiser will not give testimony or appear in court because he or she made an appraisal of the propeiry in question unless specific arrangements to do so have been made beforehand,oi as otherwise required by law. 4. The appreiser has noted in this appraisal report any adverse conditions(such as Ihe presence of hazardous wastes,toxic subslances,elc.)observed during the inspection of the subject property or Ihat he or she became aware oi during the research involved in performing this appraisal.Unless otheiwise stated in lhis appreisal report the appraiser has no knowledge of any hidden or unapparenl physical deficiencies or adverse conditions of the subject properry(such as,but not limited ro, needed repairs,deterioration,the presence of hazardous wastes,mxic substances,adverse environmenlal conditions,etc.)that would make Ihe property less valuable, and has assumed ihat there are no such conditions and makes no guarantees or warranties express or implied.The appraiser will not be responsible for any such conditions that do exist or for Ihe engineering or testing that might be required lo discover whether such condition exist.Because the appreiser is not an expert in the field of environmental hazards,this appraisal must not be considered as an environmenial assessment ot the property. APPRAISER'S CERTIFICATION: ThB Appfei5¢f[0llifies 2f1d ag1Be5lhe�: 1. I have,at a minimum,developed and reported this appraisal in accordance with Ihe scope of work requirements slated in Ihis appraisal report. 2. I performed a complete visual inspection of Ihe subject sire and any limited improvemen[s.I have reported the informalion in factual and specific terms.I identified and reported the deficiencies of Ihe subject site that could affect the utitiry of the site and its usefulness as a building lot(s). 3. I performed lhis appraisat in accordance with the requirements of the Uniform Standards of Professional Appraisal Practice�hat were adopted and promulgaled by lhe Appraisai Standards Board of the Appraisal Foundation and ihat were in place at the time this appraisal report was prepared. 4. I developed my opinion of ihe market value oF the real properry that is the subject of ihis repon based on the sales comparison approach to value.I have adequale compa�able market data to develop a reliable sales comparison approach for lhis appreisal assignmenL I further certity that I considered the cost and income approaches to value but did not develop them unless indicated elsewhere wihtin Ihis report as there are no or very limited improvements and these approaches to value are not deemed necessary for credible resultandlor relia6le indicators of value for this appraisal assignment. 5. I researched,verified,anatyzed,and reported on any current agreement for sale for Ihe subject properry,any offering for sale of the su6ject property in Ihe[welve months prior to the effective date of this appraisal,and the prior sales of the subject pwperty for a minimum of three years prior to Ihe effective dale of this appraisal,unless olherwise indicated in this report. 6. I researched,veritied,analyzed,and reported on the prior sales of the comparable sales tor a m inimum of one year prior lo the dae of the safe of Ihe comparable sale, unless otherwise indicated in this report. 7. I seleded and used comparable sales lhat are locationally,physically,and functionally the most similar to Ihe su6ject property. 8. I have not used compara6le sales Ihat were the result of combining multiple transactions inlo reported sales 9. I have reported adjus(ments to the camparable sales Ihat reflect the markeCS reaction to the differences between Ihe subject pwperty and the comparable sales. 10. I have verified,from a disinterested source,all information in Ihis report that was provided by panies who have a financial Interest in the sale or financing of the subject property. 11. I have knowledge and experience in appraising this type of property in this markel area. 12. I am aware of,and have access ro,the necessary and appropriate public and private data sources,such as mulliple listing services,tax assessment records,public land records and other such data sources for Ihe area in which the property is located. eroa�cea�sm9 aci soir.are,aco.zan.a�n www.a��weo.com _ Page 3 0l a LaNO_io oso6lol0 � �� y �3 ' ' S. W. Barrett Real Estate 8 Appraisal Services LAND APPRAISAL REPORT FiieNO. 13•0253 . � . . . 13. I o6tained Ihe information,estimeates.and opinions furnished by ot�er parties and expressed In this appraisal report from reliable sources that t believed to be true and correct. 14. I have taken into consideralion the tacmrs that have an impact on value with respecl ro the subject neighborhood,subject property,and ihe proximiry ot ihe su6ject properry to adverse influences in the development of my opinion of market value.I have noted in this appraisal report any adverse conditions(such as,6ut not limited m,needed repairs,deterioration,the presence of hazardous wastes,toxic substances,adverse environmenlal conditions,etc.)observed during the inspection of the subject properry or that I became aware of during the research involved in pertorming this appraisal.I have considered these adverse conditions in my analysis of the properry value,and have reported on the effect of Ihe conditions on�he value and marketability of the subject property. 15. I have not knowingty wilhheld any significant intormation from this appraisal report and,lo the best ol my knowledge,all statements and informa[ion in this appraisal report are uue and cortect. i6. I stated in this appraisal report my own personal,unbiased,and protessional analysis,opinions,and conclusions,which are su6jecl only�o the assumptions and limiting conditions in this appraisal report. 17. I have no present or prospective interest in the properry ihat is the subject of this report,and I have no present or piospeclive personal inrerest or hias with respect to the panicipants in the transaction.I did not base,either partially or completely,my analysis and/or opinlon of maiket value in this appraisal report on the race,color,religion, sex,age,marilal status,handicap,familial status,or national origin of eithei the prospective owners or occupants of tbe subject properry or of ihe present owners oi occupants of the properties in the viciniry of[he subject property or on any other basis prohibited by law. 18. My em ployment andlar compensation for performing this appraisal or any future or anticipated appraisals was not conditioned on any agreement or understanding, written or otherwise,that t would report(or present analysis supportiag)a p�edetermined specific value,a predetermined minimum value,a ranqe o�direction in value, a value that favors the cause of any parry,or the altainment of a specific result or occurrence of a specific subsequent event(such as approval of a pending mortgage loan application. 19. I personally prepared all conclusions and opinions about Ihe real estate lhat were sel forth in this appraisal reporL If 1 relied on significant real property appraisal assistance from any individuals in ihe performance of this appreisal or the preparalion of lhis appraisal report,I have named such individual(s)and disclosed the specific tasks performed in this appraisal report.I certiry that any individual so named is qualified to perform Ihe tasks.I have not authorized anyone to make a change to any item in this appraisal report therefore,any change made to Ihis appraisal is unauthorized and I will take no responsibiliry for it. 20. I identified the lendedclient in this appraisal report who is Ihe individual,organization,or agent for the organization ihat ordered and will received this appraisal report. 21. The lendedclient may disclose ar distribute this appraisal report to:the borrower,another lender at the request of the horrower,lhe mortgagee or its successors and assigns;morigage insurers;government sponsored enterprises;other secondary market participants;data collection or reporting services;professional appraisal organizations;any department,agency,or mstrumenlaliry ot Ihe United Slales;and any state,the District of Columbia,or other jurisdictions;wilhout having ta oblain the appraiser's or supervisory appraiser's(it applicable)consent.Such consent must be obtained before this appraisal report may be disdosed or distributed to any olher party(including,hut not limited ta,the puhlic through advertising,public relations,news,sales,or otber media). 22. 1 am aware that any disclosure or distribulion of this appraisal report by me or the lendedclient may be subject to certain laws and regulations.Further,I am also subject m the provisions of the Uniform Slendards of Professional Appraisal Practice Ihat pertain to disclosure or distribution by me. 23. The borwwer,anather lender at the request af the borrower,the mortgagee or ils successors and assigns,mortgage insuiers,government sponsored enterprises,and other secondary market participants may rely on Ihis appreisal report as part of any morlgage linance Iransaction that invoWes any one or more of these parties. 24. If lhis appreisal report was Irensmiued as an'electronic record'containing my`elecuonlc signature',as those terms are defined in applicable federal and/or state laws (excluding audio and videa recortlings),or a facsimile transmission of this appraisal report containing a copy or representalion of my signature,tbe appraisal report shall be as effeclive,enforceable and valid as if a paper version ot this appraisal report were delivered containing my originel hand wrilten signature. 25. Any intentional or negligent misrepresentation(s)contained in this appraisal report may result in civil liability andlor criminal penalties including,but not limrted to,fine or imprisonment or both under the provisions ol Title 18,United States Code,Section 1001,et seq.,or similar state laws. SUPERVISORY APPRA�SER'S CERTIFICATION: ThE$up0tVi50fy AppfeiSBt cefllflBS end agIBESIhet: 1. I directly supervised Ihe appreiser for ibis appraisal assignment,have read Ihe appraisal repon,and agree with the appraiser's analysis,opinions,statements, conclusions,and the appraiser's certification. 2. I accept full responsibiliry for the contents of this appraisal report including,6ut not limited to,Ihe appraiser's analysis,opinions,statements,conclusions,and ihe appeiser's certification. 3. The appraiser identified in this appraisal report is either a sub-contractor or an em playee of the supervisory appraiser(or the appraisal firm),is qualified ro perform lhis appreisal,and is acceptable to perform this appraisal under�he applicahle sta�e law. 4. This appraisal reporl complies with the Uniform Standards at Professional Appraisal Praciice Ihat were adopted and promulgeled by the Appraisai Siandards Board of The Appraisal Foundation and that were in place at ihe time Ihis appiaisal report was prepared. 5. Itthis appraisel reportwas transmitted as an'eleclronic record'containing my'electronic signamre',as Ihose terms are defined in applicable federal and/or state laws (excluding audio and video recordings),or a facsimile transmission of this appraisal report containing a copy or representation of my signature,ihe appraisal report shall be as eftective,enforceable and valid as if a paper veision of ihis appraisal report were delivered containing my original hand written signature. APPRAISER SUPERVISORV APPRAISER(ONLV IF REQUIRED) �'�--�--� 1 �-- Signature Signature Name Steven W. Barrett. SRA. SRPA Name companyName S W Barrett Real Estate 8 Appraisal Svcs CompanyName companynddress 505 South Hanover Street, ___ companyaddress Carlisle PA 17013 Telephone Number 717-243-6646 Telephone Number EmailAddress steveCtl�awbarrett.com EmailAddress Date of Signa�ure and Report 11/0112013 Daie of Signamre Etfeclive Date of Appreisal 10�OTI2013 State Certification# State Certitication� GA000298L or Staie License n or State�icense tt RB-026921-A siate or Other(describe� Slate# Exptration Date of Certification ar License state PA Expiration Date of Certificalion or License 08I30/2015 SUBJECT PROPERTY PA Certffied General Real Estate Appraiser ❑Did nolinspectsubjectproperty ADDRESS OF PROPERTY APPRAISED ❑Did inspect exlenor of subject properry Irom street Greason ROad Dateotlnspection Carlisle PA 17015-9418 APPRAISED VALUE OF SUBJECT PROPERTY$ 388,000 LENDER/CLIENT COMPARABLESALES Name ❑Did not inspect exterio�of comparable sales from streei Company Name M artson Law Offices ❑Did inspecl exterior of comparable sales from slreet CompanyAddress Ten EastHigh Street Dateoflnspection Carlisle PA 17013 Email Address ;�oe�cea�vnq ac�soiiware,aoo.xaa.enr www.ac��weo.�om vage 4 of a LaNO_to oaoslolo S.W. Barrett Real Estate 8 Appraisal Services � b� y 3 USPAP ADDENDUM Fi�eNO. 13-0253 Borrower: J Richard 8 Doris ZIM M ERM AN PropertyAddress: Greason Road Ciry: Carlisle County: Cum berland State: PA Zip Code: 1 7 01 5-941 6 Lender: Martson Law Offices Reasonable Exposure Time My opinion of a reasonable exposure time for the subject property at the market value stated in this report is: Additional Certifications �I have performed NO services,as an appraiser or in any other capacity,regarding the properry that is the subject of this report within the three-year period immediatety preceding acceptance of this assignment. �I HAVE performed services,as an appraiser or in another capacity,regarding the properry that is the subject of this report within the three-year period immediately precedinq acceptance of this assignment.Those services are described in the comments below. AdditionalComments APPRAISER: 1 SUPERVISORY APPRAISER(only if required): ��L,/�,%�s�� Signature: Signature: Name: Steven W. Barrett SRA. SRPA Name: Date Signed: ��01�2013 Date Signed: State Certification #: GA000298L State Certification #: or State License #: RB-026921-A or State License#: or Other(describe): State#: State: State: PA Expiration Date of Certification or License: Expiration Date of Certification or License: 06/30/2015 Supervisory Appraiser inspection ot Subject Property: Effective Date of Appraisal:October 2. 2013 _ — ❑ Did Not ❑ Exterior-only from street ❑ Interior and Exteriar Proeur,ed using PCI sol�ware,BCO.]�a.B171 www zc�web.com USPAP_12Nt OS11201I l � b� y3 File Na. 13-0253 ********* Q U A L IF IC A T 10 N S *****"*''* The following checked items are SPECIFIC SPECIAL CONDITIONS that were identified by this appraiser during the inspectfon of the subJect property, the comparables sales, and their neighborhoods and Iocations. Unless otherwise noted, the conditions that appiy to the subject property or the comparable sales used DO NOT AFFECT THE MARKET VALUE OR THE FUTURE MARKETABILITY OF THE SUBJECT PROPERTY BEING APPRAISED. This is not a home inspection service. This is an apprafsal to estimate market value. _x__1. The subject is located in a rural area and is less than 25% built-up. 2. Commercfal/lndustrial uses are located within the subject's neighborhood. These uses are typical of similar neighborhoods. x 3. Vacant and undeveloped land uses are located within the subject's neighborhood. These usea are typical for the area. 4. The predominant value in the neighborhood is less than that of the market value of the subject property. This is due to the very wide range of value of properties in the area and superior quality of the subject property. 5. The subject property is located in a F.E.M.A. Identified Flood Zone. Flood insurance coverage fs required and suggested. 6. Dampness is noted fn the basement of the subJect. Standing or running water was not present on basement floor. This condition is considered typical in dwellings of this style. _x__7. The subject property is serviced by private well and/or septic systems which is common for the area. 8. The subject is older than five(5) years. All mechanical systems including the heating, electrical and plumbing systems appear upon a visual exterior Inspection to be in working order. No warranties are implfed in this statement. _9. Repair items were noted in the comments section of the �eport. These comments on repafr items are for descriptive purposes oniy and are not required repairs. The items Iisted are cosmetic in nature. 10. The basement floor is a dirt floor. This condition is common and typical for the area. and does not pose a health or safety hazard. 11. The subject property does contafn functional obsolescence as noted in the report. This condition is considered typical and common for the area and this style dwelling. 12. The land value exceeds 3096 of total value due to the high demand for vacant land in this neighborhood. Thfs condition is considered common and typical for the neighborhood. 13. The land value exceeds 30% of total value. This is due to the large sfze of the site. This condition is considered to be typical and com m on. 14. Individual adJustments were required that exceed 15%. These adjustments were requfred due to lack of more similar comparabtes on that individuai rating. All comparables used are the best avaflable. 15. Total adjustments exceed 25%. This is due to the lack of comparable sales that were more similar in the subjecYs market area. All comparables used are the best available. x 16. One o� more Comparable sales are older than aix(8) months. Although there are comparable properties in the subjecYs area, none have sold recently; therefore, sales in excess of six(6) months have to be used. All comparables used are the best avaflable. x 17. One or more comparables used were in excess of one (1) mile from the subject property. Although there are comparable propertles in the immediate area, none have sold recently. Therefore, it was necessary to use comparable sales outside of the immediate area. All comparables used are located in similar neighborhoods and within the same marketing area. All comparables used are the best available. 18. The electrical system was not connected during inspection. 19. The water service was not connected during inspection. 20. The heating system was shut down during inspection. ___21. Roofing____Plumbing____Electrical____Heating____certification(s) is/are suggested. ___22. Inground swimming pool____, out buildings_____are included_____,not included____according to lender's guidelines. 23. According to lender's guidelines a maximum of____acres were considered for this valuation. Remaining acreage was given no vatue. 1 I o--� y 3 File No. 13-0253 ***'`***** Q U A L IF IC A T 10 N S *******'`* ___24. The subject property is located on a private road. 25. Wood infestation inspection is suggested. x 26. Last recorded deed transfer: Date 03/2911962_____, Consideration: 520,000_______________. ___27. Proposed construction/renovation in accordance to plans and specifications to be completed in a workman-like manner. ___28. Seller is paying part or all of closing costs. _x_29. All comparable sales are verified closed sales. x 30. There are no special conditions or other requirements that would affect market value or future marketability in the Apprafsal Report. ___31. AMC fee was required in order to accept this appraisal request. I � o�-� y 3 File No. 13•0253 *********Q U A L IF IC A T 10 N S ********* Confidentiality and Security Policy We consider privacy to be fundamental to our relationship with clients. We are committed to maintaining the confidentiality, integrity and security of clients' personal information. Internal policies have been developed to protect this confidentiality, while allowing client needs to be served. We restrict access to personal information to authorized individuals who need to know this information to comply with federal standards to protect your nonpublic personal informatfon. We do not disclose this information about you or any former consumers or customers to anyone, except as permitted by law. The law permits us to share this information with our affiliates. The law also permits us to share this information with companfes that perform marketing. When we share �onpublic information referred to above, the information is made available for limited purposes and under controlled circumstances. We require third parties to comply with our standards for security and confientiality. We do not permit use of consumer/customer information for any other purpose nor do we permit third parties to rent, sell, trade or otherwise release or disclose information to any other party. Education As of the date of this report, 1 and/or Steven W. Barrett, SRPA, SRA, ASA have completed the requirements under the continuing education program of the Appraisai Institute and the American Society of Appraisers. i 3 6-� y 3 � SUBJECT PROPERTY PHOTO ADDENDUM BorfOwef: J Richard 8 Doris ZIMMERMAN File NO.: 13-0253 Property Address�Greason Road Case No.: CitY' Carlisle State PA Zip. 1 7 01 5-941 8 Lende�: Martson Law Offices FRONT VIEW OF SUBJECTPROPERTY �_� � -. : •: Appraised Date:October 2, 2013 p�" Appraised Value: $388,000 � i k' §M. REAR VIEW OF SUBJECTPROPERTY 'q�� f ' ' ` ;:�� ;�� t . . •� '�,�+'m�a ' t�� '.St .i 4 { .� +"�k _ ? +�"�� F1 STREETSCENE �+r "�'" Y`'�. ��;,� � r I� b� y3 Borrower: J Richard 8 Doris ZIMMERMAN File No.: 13-0253 PropertvAddress:Greason Road Case No.: CitV: Carlisle State: PA Zip� 1 7 01 5-941 6 Lendet: Martson Law Offices Acreage View #1 .:� � �.�� '' �,�r r� � ., �._. -� , . � �� ..� .. ;� �._ v� �`*� Acreage View #2 �� •43§ .�1�''dA11�' .?,�pt�jEg,q, ' �.. . �`��"':' s3`� �: .; , fi ��.J.� y � ."�� < � '$'iA".:'�'y`,K"l� .�. ;�ae� '4 F`,. � Acreage Vlew #3 -,_s.r�' .. � %s ��b�� 1� �� . �� . . � - . . . . ,� "f �� ' �3 � producetl us�nq qCi so�iwere.800.2J1.8121 www aciwep.com ?NT3 OS�1Z01] 15 �-� y3 BOrtower: J Richard 8 Doris ZIMMERMAN FIIB NO.: 13-0253 Pro ert Address:Greason Road Case No.: CitY Carlisle State' PA Zip: 17015-9416 Lendef: Martson Law Offices �,._._�' �Y,� , Street (opposite view) ;�.:�*i r -a�'; ,_•„ ;.�n.. ��:�.. :„�K°:. ,t".�:.' . . 6.''>i PrOduceG uS�nB RCI sof�war¢.800.]�<.8121 www.eciw¢O.COm PHi3 05212013 I[� � � 3 �{4 � ��n 64�tY.K Twa MI 1 IM�. eoo��Q pACElil� � i� � �� ' reDr res �- S"'- a.y,� �i �../V ;�a,r,•, ' oJ ow Lord mu tAowa�d wi�w AK+�dred eixty-two. 86TWB�N LAURA H. FINKENHINDER� widow, of the Borou�h M Grliele, ' Cumberland Couaty, Pennsyivanta� psrty of the fir�t part, G+s�lo► , aid J. RICFIARD ZIMMERMAN and DORIS 9, ZIMMERMAN, hu�band and wife, ' of Weat Penn�boro Townahip. CumberlandCounty. Pennoylvania, p�rtie�of ths second part, G+anta s: � W/TN6S.48TN.tA�t iw eoNSiderotto�.e/ ' -Twenty Thoueand (=20,000,00)- p�ry� iR Aad yeld,tA�rruiyt�oAerooJ 4 Arreby�eA�oidrdy�d,W aoid N+sweer dees �lt►�bY/�� *��aY��+e+d I►��s,their heirs and asai�ns, as tenante by the entireties, � ALL that certain tract oC land situate in West Penneboro Township, Cumbor- land County, Pennsylvania, the eame being bounded and described as follows, to-wit: , BEGINIYING at a stone in the lane between the lande tormerly of 3, P, Garlpnd now of J. Clark Jardine, and the tand�tormerly of the John Graham Eatate, now of J. Harvey Coover; thence along eaid land of J. Harvey Coover, North Twenky- three and One fourth (23 1/4)degrees East, Five Hundred Ten (5.10)_feet. mor�o leea. to a black oak etump; thence by the eame, North Three and One half(3 1/7) degreee We�t. Three Hundrad Seventy-eight and Five tenthr (378,b)teet to a etake;thence still by the same, South Sixty-nine (69)degreee Weat,,Three , Hundred Five (305)feet to a white oak etump;thertce by the eame. 3outh Sizty-, tive and One half(BS 1/2)degrees Weet, Three Hundred Forty-one and PYve ten (3�1.5)feet to a etake and etonee;thence by eame, North Twenty-seven (27) degreee Weet, Six Hundred Thirty-two (832)feet to a stone; thence by eame, North,Ftfty-four (54) degreee Weat, Six Hundred Sixty-eix and Siz tenths (666.8) fcet to a post at the corner ot land[ormerly ot Miaa Sue Bosler, now ot other ' land of J. Atchard Zimmerman; thence along the land of esid J. Aichard . 2lmmerman, North 3eventy-three and One fourth (73 1/4) dogrees EasS, One . Thouaand Sixty-eight (1068)fee!to a post at the corner of land tormeriy of L. F. Brymeeeer, now ot other land ot J. Wileon 5tine; thence by eaid land ot J. Wil�o Stine, South Three fourthe (3I4) degree Weet, .One Hundred Eighty-eigdt and Two � tenths (1B8.2)feet to a post;thence by the eame, North Seventy-siz and One fourth (76 1/4)degreee East, One Thousand One Hundred Eighty-four(1184)feet , to a post aL the corner ot land tormerly of John Hoover, now ot Leeter Keck; thence by the land of said Leeter Keck, South One and One hall(1 1/21 degree� , West, croseing the public road and then along Land formerly of William Mentzer, now oL William Fiynard, Ons Thouaand Two Hnndred Twenty-eight(1Z28)teet to a poet; thence nlong the land of eaid William F�ynard, NorU►Seventy-tour and Oae half(74 1/7) degreee Eaat. Four Hundred Eigh�(480)feet. more or les�. to an old white oak rtump at the earner of land tormer�p of W. H. Royer, now of L.nura H. Finkenbinder;thence by l�nd of uid L,�ura I{. Finkenbinder. North Seven�y-nina and'Threa fourth� (79 3/4)dearee�Etst, One Thovsaad One Bundre � Ftf�y (I1S0)feel, more or le��, to a rtoM pile at l�nd now or tortner�y o! CLrence Line;thence by�aid laad ot Clareaee L1ne, South Fai.rte�n�ad Ona ,� ' �� . � . - . � + — � —-� � � �.....r� .►. . .,._..J.J I � I� , _ . . . . . . .. . ............. • .......�......ii.i�..l..�� .. �...�� ..........................�. /��..� �."'�� "1 �._ . \—.. .n •. . .� ' � fourth (14 1!4) deqreee East, One Thoueand Fourteen and$eventy-tive hundredth I (1014,75) feet to a black oak; thence by the aame, South Forty-six and One tou (46 1/9)degrees Weat, Five Hundred Thirty-aix (538)teet to etones;'thence by the eame, 3outh Seventeen and One half(17 1/2)degreee East, FourNundred' Ntneteen and One tenth (419.1)teet tu a poat at the eide of a private lane; thence along the eide of eaid lane and by land now or formerly of Clarence Line, South . Fitty-[our and Three fourths (54 3/4)degrees Weat. One Thouenad Eighty=eight (1088�teet to an iron spike in the center ot the public road leading from Gresaon to the Carl[ele and Chambereburg Turnpike; thence by the center of eaid road , • and land now or formerly of W. E. Kerns, North Thirty-one (31)degreea West. Three fiundred Twenty and Three tenths (320,3)teet to a potnt; thence by the same, North Forty-tour and One half(a4 1�2) degreee West, One Hundred Sixty- one 1161) teet to a point; thence by the same, Norlh Fitty-fouz (S4)degreea Weat, Three Hundred Thirty-two and One tenth (332.1)feet to a point; tt�ence by the eame, North Thirty and One half(30 1�2) degreee Weat, One Hundred Fifty-one and Eight tenths (151,8)feet to a point; thence by the same, North Thirty nnd . One half(30 1/2)degreee Weet, One Hundred Thirty-nine and Five teaths (138.5 feet, mOre or leea, to a epike in aaid public road opposite a prtvate lane; thence along satd lane and lande rtow or tarmerly ot W. E. Kerns and,land�formerly ot S. P. Garland, now ot d, Clark Jardine, North Sixty-oeven and Three fourth� (67 3�4)degreee Weet, One Thoueand Nineteen and Seven tenths (1018,7)feet to a etone, the Place and Point ot BEGINNING. i CONTAINING One Hundred Thirty-five (13S)Acres and Ninety (80)Perche�, more or lees, according to a eurvey made March 1, 1833, by d, g, Wetzel, Surveyor. BEING the eame tract of land which D.,P. Finkenbinder and Sarah E. Finkenbinder, hueband and wife, by their deed pearing date the llth day ot June, 1943, said deed being recorded in the Otfice of the Aecorder of Deeds in aad for Cumberland County at Carlisle, Pennsylvania, in Deed Hook"R", Vplupse 19, Page 230�, granted and conveyed unto John W, Finkenbinder and L,sura H. Finkenbinder, huebend and wife. The said John W, Finkenbinder died Jun� 10, 195T, thw veetinQ the gbeolute title in ths above-described prami�es�ol��y,iph ourviving epouee, I,aun H. Finkenbfader, GRANTOA herein, by opqntion pt law. ' �� Schanl D�st.C�u�6.Co.Pa. � ' ' H�t�tl[ �t�Trn�fRr�n . . �H IL� � 0�✓0 • . . . �. � � �. �� eoo��24 F;�1113 I � e� y 3 e°°K�20 v+�1114 AND,the eaid pmxtor ,does kereby eovc+wxt and apree Eo and with!Ae mid prnnle7 ,tkat she ,tks praxlor, her Aain,essarle►+ard ad+Nieirtratora,iAaJl and will wsr�s�t generally wid/onva de%nd tAe Renis a6ov�deiert6ed ti yrewiiau.witA tAe Aeroditan�nW wd oyyrrtmaaaa.w�to tb aii yrot�t�e s, tde1T A�ia a�1 aaf�u,�patsat t11r�aid p+a+�te► ,aed aoshyt w�ry ofJYrr yern�baJwUy ek(�(�p sr wko �A�1!Iw+vs/t�r ddw tAe�awu er ssy ysrt tAerwJ. i /N NITNESS WNEREOF,mid pm�itor hs� Aerexeto�at her Anad aad aca( Mt dng and yrnr frrat aAm�e turittcn. � itOwi. lrolf0�nD�Abrrd —""""—"....�!..�•y�,�••�•••1n.nn ni1L U erye�Ireuacr rt uura H. Finkenbind�r • + �, • . ....._.._�..._..............................................................._.. MiA4 � . ......... . . .. .1 . ......... /� � ..._........._................................................................... ss�o h.a.�+ .t.. X --� ! ......... ......�.................... ......_........... .................._..... ....... V�L � I do hereby csr/t�i�y that tl�preciae re�idence of the within-named Grantees i� , ��""""�`""_//'CL, , �Q(�(_�� nw�,�..cw, _ r� ,�,,�� . �'��;N, `, i iW:i ��3,�7'�r<"� �'a y I� �` `�� ; `'"'�, ��:�� ,. �C�' _,�� k��,�,., �� ./1�, � ~�� ccw.'orricc a nK �1�.-(l�!`;. 1� r �:. � 'F ' '�• ��""cw�Rl.� / � ,,,�� Y.= � , �� '� ��KN I� M n,rerp� � � vt�a�s rMu State oJ PENNSYLVANIA � r�. Coawty o/ CUMBERLAND Ou tA4.tA� � f� dav ol ?* '-+��! .19 82 �be/ore Me, the underripned oDteer,permna!!y appeored I,tura R. FinkenbindOr, widow, kMOrrn to au(or aatis/aetorily prnen)te 6e tAe parsos wka�naKe i� a��6�eribad to lhr.�,itk- ie iwrlr�ewt,and aek�wmldped tAat �At esepd+d tAe�awe Jor tM pnrpoaca tlYerciw rnR. taiwed. 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R V A h rf o9 � .-1 'd +� y� td O • A O a O c A ao '"� a1 � � 3 g � OwGOU \ Nodi� x .,� Zr,� � ,�-� 000 tl � o t� .0 A cn 17 w � � .. .. .. p � �-+ � � � i •• tr� tr� H �+ v � u d .. .. . x o 0 0 0 aD A D4 � GS a0 CS O O tT trf PO �0 rt � R �+.-1 U cv cv t�t �t o N u O � a� � •.� ,q A R � x � �! .� � �s •.� a� �� i O TJ •� .-� w .0 � �.�1 .� � W N b 1+ � ir > � � � ui r �o �o U p� .� •-� �+ � V tr� a,► a�r ro .� � u i+ Cl � U a a� � .�! � o � � � � + W 1-1 N � � u3 �k �� 41 O � � G�1 uo G1 0�1 rt b1 t0 -� O td • ' � o � o O N tAE tAtnALqzx ]CE � t� U �7E+ a� 3 aC7x � W � I O� �� LOCATION MAP Borrower: J R►chard & Doris ZIM M ERMAN File No.: 13-0253 Propertv Address'Greason Road Case No.: City' Carlisle State� PA Zip: 17015-9416 Lender: M artson Law Officea zss'i E R P. Y . 0.a ...__. . ��s Va�t� St'� ,�J ?74� � .ya �� a3' a �� e�` . � . Potecat Rd Qa cos«,d�. `,'� � - . . _ � ,� Cznning s,p� � . State �G�� . Park �� ' . � 4§ � V°� : -- �C''BD Enota Rd � � 3 '94l< o er Fronkford ° ownship McCrea __. Blosservf�te �vo'�Rd gaa j m Comparable Sale 1 �, �a. is�� . Enola Rd � + Carlisle,PA 17015 � a {4.45 miles NNW) —}� , `�7J .. .. �� -- __ . .. , ��' -T_`_____. Subject — -- � k�=-�--'"�- -�-�-�,v�� Greason Rd ,ran�Sp Carlisle,PA 17015 _.--�.Bepp� C�A __-.-- ,� , � �r�� `� . . Kemvilte �t - ;y�a°��p� � ,,641� 9v, �p— � u��wwn Rd NBwVille Qu�� ck Rd Comparable Sale 3 "^�'+«kRa i��,�- ` y Nealy Rd �' � � Newville,PA 17241 Z�) Comparable Sale 2 �- Green �8,37 mlies WSW) "" Mt RoCk Rd �� Carlisle,PA 17015 `�-J �a � (3,s4 miles ssw) y�� :� � P� r�� fi � Dickinso �� Maoredak W 01d York Rd Townshi Oakville ��'� ,� �.�, '` Dicki�son __.__ _� c _ 4P Stouqhstown i� Mantsen �'Rd �O� ....` �c�� . _._.. �:...:. _. .:`-�' ,�altx� . ._._... p�ne.Rd - F ,�:�� St .. . , -•__- .... � 233� . Kioys . C U M B E N L A N ' E`�"� Brushtown �i � � Wa�t Bottom � E�� ' �� _, 5�� 3 cz�cnr � Q° _ �� , `� 9a ,. ��tB�`wmRd'n4 j,. .��,-�.-i.:,��. ' �� _ LU�.ii{t::GJ _ .t�J _ �']l.i��- i.:i:il«Lf�JC.1!iJfi ��___..-- �thesinut Crossroads 5.5 milcs R �. � � �-� y 3 BOrrowet: J Richard & Doris ZIMMERMAN File No.: 13-0253 Pro ert Address:Greason Road Case No.: Cit : Carlisle State: PA Zi : 17015-9416 Lendef: Martson Law Offices — �a.�...,.-- n K�ti.aa � �4� �y` w,�� & A t � � - �� s � .�` � � � , �t�o ov UR�tWI R GnuKMi Su bject �� Greason Road � �, Carlisle, PA 17015-9416 a ., � �� } crayea � �� t0 A � ?� bY� � �� Meadow Q �89�[� �'i c�"`� g, � I � � fs�' g °� a Flood Informatfon FloodMap Legend Community:421590-WEST PENNSBORQ.TOWNSHIP OF ��Z�� Properiy is not irt a FEMA special fload hazard area. �� l�IapNumher-42041C(?320E �tapC}ate;03116Y1009 PaneL-0220E FIPS:42�41 � Areea oWa�ds af t�s 10G enA S00-yw 1bo0p1srn Zone�X � ww�nua+iw ey�oay.r eooaa�g � Anas rruwN�e ny t0ay�r eooaxq wpn wacqy neura � �y��s ^de�V�ot Trnnsamerlr.a Flootl Halartl CnrtlfinGaM1(TFHr�nor ACI M�k�any � representedons ur wsrranties tn any party c�x�r:eming the content,accuracy or Flppdyrey et�u�Mfl Wbsfy hat�fE completenesz of fhw Na�d report,inuuding any wartanry of inercfwrt�ebility m PtNi«WWN��IM�In�d W p057IbN IID00 h0�df ;ilnws fo�a parliwfar pwpnwe.NeitRer TFHC rux AC!�e[M wlla qf thtx 9ooa repon shait have eny Ifatsilky in any thttl party tor any use a mlr use of _ � ��d F� this flood re part �3 �� 3 . � .,�,� t' � e 4, s "'€ .ri �. ; : ; • � ..�.'r; .. ,. i�, .. � .. � � . �, .. .. _ � . .. ,' .. . .. . � � : s�iY.,�' f � � C" ° � � . � , �•. ��. . L� �� sq��>�� . . ' . . . ,.� P°' [.. {B^:'$y , s� � , � - ,' ry , �� ;y � : $ y� 9� � . .� � �; o �� ..M1��s.�� ., � '�N� 4 �. k�� . , . � : �..+�° .' { � e -g �.� $�**��"n � ��,�:.. ,.>„ . . � ,� v ',...=?' � t�'�" ,s� �,�'d's� ,�ry �'z � w 5 : :y� . . . . �. . . . ,y°'"Y 8z�, � °;� .��. '' � W a°'t� :�Sn. . . ��', �. '. � ' �� f , ,, s�m-� .seF�» ..-�,.. � . �� ,. �� `�� a� E`� ��-1 . ��a�e j � �k'�E�*�'2 ys� < �y��, �£F � R..� . . . . � a ,�. . �,t#� a �� y t 4 'f -- . . ��t+�.,.�� Y� '�3` � - . v �� E. �#� � �" �t� ,�'" ,ti:, F.� � v r�� ,r_. :;� Y� �� "._ �� Q ��`��'��, ' � ��a � ��v � � �. �t�� . � � -� � ��; r� � � �.�. x" fr�`. - �4 . : � g.�..s.< . -� ., g � � . . � . . Y.. . . � ... .-.x. .�q� . . .. . . ' � � � *�.}i.� � . . . . , . . � . � � ;{r�.. . � ., . . . . . . l�y . . . �. .. �F. � .� . . . � � . . .� . . ' ',f . .. � . . � . . . .. � �. W . '� ' �� ,,, ':. X , ��g� � � � � � , ,�� - �,� � '�..�� , ;.;. ' � '� � �: �� •� �. 'X��' ° � ,� , ,. . . � . . �.� r .. : - . ' . . . . , ;, , . . *#,.; - �..� + �� + 3�� ` � . ` s. . �.. � �, ..,- _ � �. Y ��> �' ;� , , � �- � F, _. k ,, x � . a ,f ,. . �° � , ` � � � � _ . ' . a��" �. ,�;� . � �; . � . ,�` f �� .n ', 3 < .. , ` � , � � ._ , :�. � .� � . ,��. . �� f i= � t .� . t , ri „ •'�"k . . . �. � . . ��,.. . : _j . , . ; � .. . . . ', � . �"��' � 5 a�y � . ��,�. � �;. � * � - � � � �� x.�� r 9 � = � a � � 3 � _ � � � � � � � �� I 0N� �� 1 , �. � �� ;� ��a r � �g�ti� �� b �� °` . a,�... '" �� n� �8 �� fa p2 �! - y a a �+-• " �4 s�i4� �� °� �� `��'� �� . g °� �,�e�� : �� '�`', . I� ��bII �� ,��' �� $ �� .. ..� �f�e� �� , ° ��# 8�� .+ F �� r � t� ._,. . � �� 1� �� ,. � _ ;:t�. � .; � �� , �� i �� _ < . _ � � � ._ � � � a . � 0 � .. o �' - V/ (Q � V .� Q � - � � N � K � � C o C � ��_o...,� �; L � •� OL < O a r° � � � a . ` 0 o N �� ' �'�& � . � � � � V 3 .,�. � � ~ � ca — z .� � � � � �� 5 c 3 Section 201 Rural Residentiai Zone (R) 201.1. Purpose-The primary purpose of this zone is to biend the rural character of areas where the soii fertility does not rise to the level found in areas where agricultural preservation has occurred,with large-lot residences that require an-site utilities. The permitted uses shall enhance and p�otect thi rural character without detracting from the residential use. 2p1.2. Permitted Uses 1. Agriculture including one single-family detached dwelling containeci on the site. This use shall expressly excl�de: A. Concentrated animal feeding operations(CAFOs)as defined herein;and, B. Concentrated animal operations(CAOs)as defined herein. 2. Nursery/Garden Center,including sales and/or marketing(See Section 308); 3. Forestry uses, subject to the requirements of Section 323 of this Ordinance; 4. Municipal services,parks and playgrounds,gra�ge halls and buildings for other agriculturally-related groups; 5. Churches, Church Related Educa6on or Daycare Facilities and Cemeteries(See Sec:tion 31 D); 6. Public and private schoo�s with a maximum lot a�ea of two(2)acres; 7. Public utilities structures; 8. Single family detached units that existed on the effective date of this Ordinance,are permitted subject to those Iimitations described in Section 201.12.of this Ordinance,all of which are subject to the applicable design standards listed in Section 201.10.of this Ordinance. 9. Country estates, as defined herein; 10. Bed and breakfasts, as defined herein, subject to the following: A. The proposed use must be located within a detached dwelling unit that is Iocated upon lts own parcel or upon the parcel of a farm; B. The dwelling may be enlarged, provided that all mod�cations to the external appearance of the building(except fire escapes)would not alter its residential character; C. lall floors above or below grade shall have a permanently-affixed,direct means of escape to ground level,and working smoke detectors on each floor; D. The owner of the use,or the owner's agent, must reside immedfately adjacent to or within the building containing the bed and breakfast use; E. One(1)off-street parking space shall be provided for each room available for rent,in addition to those required for the dwelling unit. Such parking spaces shall be set back a minimum af te�feet(10')from all property lines and screened from adjoining roads and properties; F. A bed and breakfast may erect one(1)sign no larger than twelve(12}square feet in size,which must be set back ten feet(10'}from all lot lines; G. Breakfast shall be offered only to registered ovemight guests; H. The applicant shall furnish evidence that an approved means of sewage disposal shall be used. If the proposed use is to be served by an on-lot sewage disposal system,the applicant must obtain a report from tha West Pennsbaro Township Sewage Enforcement Officer that either the existing or the proposed on-lot sewage disposal system has sufficient capaciiy and is of sound condition to adequately serve the proposed use; so �� -� � 3 i. The applicant shail furnish evidence that an approved means of potable water supp{y shall be used. If the proposed use is to be served by well water,the applicant must obtain a report from a qualified water testing facility that either the existing or the proposed well has sufficient capacity and is of sound condition to adequately serve the proposed use;and, J. The applicant shall furnish p�oof of approval from the PA Department of Labor and Industry; 11. Riding stables,as defined herein,subject to the following: A. The minimum lot area shall be ten(10)acres; B. Any structure used for the boarding of horses shall be set back at least fifty feet (50')from any property line; C. All stables shall be maintained so to minimize odors perceptible at the property line; D. The applicant shall furnish evidence of an affective means of animal waste collection and disposal which shall be continuausly implemented; E. The applicant shall furnish evidence of an effective means to dispose dead animals according to tfie regulations of the Pennsylvania Department of Ag�iculture;and, F. All parking compounds and unimproved overflow parking areas shall be set back at least ten feet(10')from adJoining lot iines. Unimproved overflow parking areas shall also provide a fence delineating such occasional parking facilities and preventing the parking and/or movement of vehicles across neighboring properties; 12. Twafamify conversion-A detached single-family dwelling that existed on the effective date of ihis Ordinance,and contained(at that time)at least two thousand five hundred (2,500)square feet,may be converted into iwa(2)dwelling units,subject to the fo�lowing: A. The applicant shall furnish evidence that an approved system of water supply and sewage disposal will be utilized; B. No extensions or modifications to the external appearance of the bulding (exc:ept flre escapes)which would alter its residential character, shall be permitted; C. All floors above grade shall have direct means of escape to ground level; D. Four(4)off-street parking spaces shall be provided;and, E. The applicant shall obtain any required land development approvals; 13. Communication antennas that are co-located upon existing structures(e.g.,utility transmission towers,observation towers,communication towers,silos,steeples, smokestacks,water towers,flagpoies,and other similar structures),provided: A. The applicant suhmits a copy of the written agreement with the landowmer upon whose structure the antenna is to be located; B. The applicant shall be required to demonstrate that it ls Ucensed by the Federal Communications Commission to operate the proposed use; C. The applicant shall demonstrate that the proposed use will comply with the applicable standards governing human exposure fo electromagnetic radiation by the Federal Ccsmmunicatfons Commission; 51 �'1 �-� �I3 D. The appiicant shali demonstrate that the proposed use will comply with all Federal Aviation Administration, Commonwealth Bureau of Aviation,and applicab�e Airport Zoning Regulations;and, E. The applicant shall furnish a sealed statement ftom a registered engineer that the construction methods or other measures used wiil prevent the toppling of any communicaiion tower onto adjoining properties and/or roads,and prevent the wind-borne scattering of ice onto adjoining properties and/or roads; 14. Accessory uses customarily incidental to the above permitted uses, including,but not limited to, the foltowing: A. Roadside stands for the seasonal sale of agricultural products shall be permitted,subject to the following: 9. Roadside stands shall not exceed three hundred(300)square feet af total disptay area; 2. Roadside stands must be located at least ten feet(10')from the right- of-way line and must have at least three(3)off-street parking spaces; and, 3. A maximum of two(2)signs will be permitted and shall not exceed fifteen(15)square feet in total area, nor exceed a maximum height of flfteen feet(15'). B. Family day-care facilities, as defined he�ein; C. Manure storage facilities, if contained upon a farm,and subject to the following regulations: 1. The applicant shalt submit written evidence from a professional engineer licensed to practice within the Commonwealth of Pennsylvania,that the design and construction of the manure storage facility shall be in accordance with the Pennsylvanla Department of Environmental Protection's publication Manure Management Manual for Environmental Protection,and any revisians,supplements,and replacements the�eof,published by the Pennsylvania Department of Environmenta{Protection; 2. All manure storage facilities associated with a concentrated anima! operaUon(as defined herein)shalt require written evidence of an approval of the applicant's nutrient managemer�t plan from the County ConseNatian DisMct ar the Pennsylvania Conservabon Commission unde�Title 25,Chapte�83, Subchapter D.of the Pennsylvania Department of Environmental Protection's Nutrient Management Rules and Regulations; 3. All manure storage facilities shall be operated and maintained in accordance with the Pennsylvania Department of Environmental Protection's publication Manure Management Manual for Environmental Protectlon,and any revisbns,supplements,and replacements thereaf, published by the Pennsylvania Department of Environmenta{Pro#ection;and, 4. Any design changes during construction or subsequent aperation will require the obtainment of another zoning pertnit subject to the applicable regulations of this Section; 52 � � �� y 3 D. Beekeeping,subject to the following: 1. It shall be the dury of the applicant to maintain each cofony so as to not create a public nuisance; 2. Colonies shall be maintained in movabie hives; 3. Hives shali be situated to maximize sunshine exposure and/or natural wind protection; 4. In no case st�all hives be located within twenry-fnre feet(25')of any property line; 5. All bee hives must be registered in accordance with ihe PA Depa�tment of Agricultural, Entomology Section;and, 6. Hives shall not be oriented to children's play areas. E. ECHO housing,as defined herein,subject to the following: 1. The elder cottage shall be of portable constn.iction and may not exceed nine hundred(900}square feet of floor area,or it shall be provided as a separate unit within a dwelling or accessory building,existing on the effective date of this Ordina�ce; 2. The total building coverage for the principal dwelling,any existing accessory structures and the elder cottage together shall not exceed the maximum lot coverage requirement for the respective zone; 3. The elder cottage shali be occupied by: a. One person who is at least 50 years of age, handicapped and/or disabled person who is related by blood, marriage at adoption to the occupants of the principal dwelling; or b. The caregiver who is related by blood, maniage ar adoption to the elderly,handicapped or disabled accupant(s)of the principal dwelling; " 4. The elder coitage shal{be occupied by a maximum of twa(2)people; 5. For sewage disposal and water supply and all other utiltties.the elder cottage shall be physically connected to those systems sen►ing the principal dwelling;no separate utility systems or connections shall be constructed or used,unless requfred by the PA DEP.All connections shall meet the applicable utility company standards. If an-site sewer or water systems are to be used,the applicant shall submit evidence that the total number of occupants in both the principef dwelling and the elder cottage will not exceed the maximum capacities for which the one-unit systems were designed, unless those systems are to be expanded, in which case the expansion approvals are to be submitted. Any connection to or additbn to an existing on-site sewer system shall be subject to the review and approval of the sewage enfarcement officer; 6. A minimum of one(1)all-weather,off-street parking space,with unrestricted ingress and egress to the street, shall be provided for the elder cottage,in addition to that required for the principal dwelling; 7. Unless provided within an existing building,the elder cattage shal!be installed and located only in the side or rear yards,and shall adhere to all side and rear yard setback requirements for principal uses; 8. The elder cottage shall be removed from the property within three(3) months after it is no longer occupied by a person who qualifies for the use;and, 53 ��i� c� �(:3 9, Upon the proper installation of the elder cottage,the Zoning Officer shall issue a temporary zoning permit.Such permit shall be reviewed every twelve(12)months untii such time as the elder cottage is required to be removed. A fee, in the amount to be set by the Board of Supervisors,shall be paid by ihe landowner upon each renewal of the temporary zoning permit. Such fee shall be based upon the cost of the annual review of the pe�mit. F. Farm occupations,as defined herein, if conducted as an accessory use to a principal agricultural use of the property with a minimum of ten(10)acres,and subject to the following: 1. Residents and up to four(4}nonresidents may be employed by the farm occupation; 2. The use must be conducted within one(1)completely enclosed building.Where practicabls the farm occupa6on shafl be conducted within an existing farm building. However,arry new building constructed for use by ths farm occupation shall be located behind the farm's principal buildings, or must be no less than one hundred feet(1 QO') from any adjoining roads or properties; 3. Any new building constructed for use by the farm occupatian shail be of a design so that it can be readily converted to agricultural use,or removed,if the farm occupation Is dlscontinued; 4. No part of a farm occupation shall be located within one hundred feet (100')of any side or rear lot line, nor three hundred feet(300')of any land within a R-1, R-2,MHP or MU Zone. Such distances shall be measured as a straight line between the closest points of any physical improvement associated with the farm occupation and the prapertylzoning lirte; 5. The farm occupation shall occupy no more than four thousand(4,000) square feet of gross floor area, nor more than one(1)acre of lot area. Hawever,any access d�ive serving the farm occupatian and the farm shall not be cal�ulated as land serving the farm occup�tion; 6. No more than fifty percent(50%)of the land devoted to a farm occupation shall be covered by buildings,structures, parking or loading areas,or any other impervious surfaces; 7. One(1)non-illuminated sfgn not exceeding twelve(12)square feet shall be permitted and must be set back at least ten feet(10')from all praperty lines; 8. For farm parcels of up to fifty(50)acres in size,while the farm occupation is in operation, no nonfarm subdivision of the site shall be permitted;and, 9. The applicant is required to submit written information indicating that the dispasal of all materials and wastes will be accomplished in a manner that complies with State and Federal regulations.Such evidence shatl,at a minimum inGude,copies of contracts with waste haulers licensed to nperate within the Counry,which have been conVacted to dispose of the materials and wastes used,or gene�ated,on-site or some other legal means of disposal. The zaning permit for this use shall remain valid,only so long as such contracts remain in effect and all materials and wastes are properly disposed of on a regular basis.Should the nature af the farm occupation change in the future,such that the materials used,or wastes generated, changes sign�cantly, either in rype or amount, the owner of th� farm occupation shall so infarm the Zoning Officer,and shall p�ovide additional evidence demonstrating continued compliance with the s4 3� �� `�3 requirements af this section. G. Rural occupations, as defined herein, subject to the following: 1. Only one(1)rural occupation may be conducted on the same property as the owner's principal residence; 2. A rurai occupation shail only be conducted within one completely enclosed outbuilding that satisfies�t least one(1}of the foNowing: a. The building will remain the same size and in the same location as it existed on the effective date of this section;or b. The building is limited to one(1)story in height or fifteen feet (15'),whichever is fesser,is no larger than the square footage that comprises the principal residence's main grade level,is located in the rear yard of the principal residence,and is set back at least fifty feet(50')from any side or rear lot lines. All applicants are requirad to design buildings that are compatible with their residential settings; 3. In no case shall any new rural accupation building be constructed before the owner resides on the subject property. In addition,rural occupations may only be conducted so long as the sole owner of the business resides on the site; 4, In na case shall the required maximum lot coverage be exceeded by those impervious su�faces associated with the principal residence,rural occupation andlor other accessory uses; 5. A!I off-sVeet parking and loading spaces shall be screened from adjoining roads and properties; 6. No outdoar storage or display shall be permitted except that one(1) commercial truck of not more than eleven thousand(11,000)pounds gross vehicle weight may be parked behind the principal residence,so long as it is screened from adjoining roads and p�operties; 7. One(1)non-illuminated sign not exceeding twelve(12)square feet shall be permitted and must be set back at least ten feet(10')from all property lines; 8. No rural occupation and its principal dwelling shall generate more than twenty(20)vehicte trips per day to or from the site. The applicant shall furnish a written and signed statement regarding the expected numbers of vehicle trips associated with the proposed use; 9. Vehicular access to the rural occupation shall be fimited to the same driveway connection with the public street that serves the principal residence. No additional roadway connections shall be permitted; 10. Up tn two(2)nonresidents af the site may be employed in the rural occupation; 11. Rural occupations shall only be conducted between the hours of 6:00 a.m.and 9:00 p.m.; 12. No manufacturing,mechanical,or industrial use shall be permitted which causes any noise,odor,glare,fume, srnoke, dust,vibration, electromagnetic interference,or other hazard that is no6ceable at or beyond the line of the nearest residential lot.No use that requires application or permitting by the PA DEP for the handling of hazardous waste or other substances,shall be permitted,except for wastewater , treatment; and, �� 3 I b-� �I3 13. The applicant is required to submit writteri information indicating that the disposal of all materials and wastes wili be accnmplished in a manner that complies with State and Federal regulatians.Such evidence shall,at a minimum include, copies of conUacts with waste haulers licensed to operate within the County,which have been contracted to dispose of the materiais and wastes used,or generated,an-site or some other legal rneans of disposal.The zoning permit for this use shail remain valid, only so long as such contracts remain in effect and all materlals and wastes are properly disposed of on a regular basis.Should the nature of the rural occupation change in the future,such that the materials used,or wastes generated, changes significantly, either in type or amount,the owner of the rural occupation shail so inform the Zoning Officer,and shall provide addftional evidence demonstrating continued compliance with the requirements of this section. H. Nome accupations, as defined herein, subject to the foilowing: 1. The use shall be clearly incidental to the primary use of the premises as a dwelling for iiving purposes; 2. Up to two(2)nonresident employees shall be permitted; 3. No more than one(1)home occupation may be located in any dwelling unit; 4. The home occupation shall not alter the appearance of the building as a dwelling unit; 5. No mechanical equipment shall be employed in a home occupation, other than that customarily utilized for hobby or domestic purposes; 6. No sales of any goods or merchandise shall occur on the premises that would require customer visitation to the site,other than those goods or merchandise which are produced on the premises. Uses that involve th� retail sales of seasonal and/or holiday items for one period not to exceed thirty(30)days in any calendar year are permitted only by canditional use (see Sec�on 428); 7. No manufacturing shall occur on the premises othe�than the products of customary hobbies and fabrication of garments by a seamstress or tailor; 8. No goods shall be displayed so as to be visible from the exterior of the premises; 9. Home occupations shall be limited to not more than twenty-�ve percent (25°/a)of the floor area of the dwelling unit; 10. No accessory building or structure shall be utilized as a hvme occupatlon, except that an accessory building or structure may be used as storage area for the home occupa6on,provided that said area shall be included in the total area permitted for a home occupation use, and further,that no such accessory building or structure shall be accessible to the public for business purposes; 11. In addition to the required parking spaces for the dwelling unit,one(1) parking space for each nonresident employee and patron on site at one time shall be provided; 12. One(1)non-illuminated sign not exceeding twelve(12)square feet shall be permitted and must be set back at least ten feet(10')from all prope�ty lines; 13. The appiicani shall submit evidence of all applicabls State approvals; and, 56 3� � �-I 3 14. The applicant is required to submit written information indicating that the disposai of all materials and wastes wili be accomplished in a manner that complies with State and Federal regulations.Such evidence shall,at a rninimum include,copies of contracts with waste haulers licensed to operate within the County,which have been contracted to dispose of the materials and wastes used,or generated,on-site or some other legal means of disposal.The zoning permit for this use shall remain valid,only so long as such contracts remain in effiect and all materials and wastes are properly disposed of on a regular basis.Should the nature of the home occ�pation change in the future, such that the materiais used,or wastes generated,changes significantiy,either in type or amount,the owner of the home occupation shall so inform the Zoning Officer,and shall provide additional evidence demonstrating continued compfiance with the re- quirements of this section. I. Noncommercial keeping of livestock, as defined herein,subject to the following: 1. Minimum l_ot Area-One{1)acre for group 1 and 2 animals—Two(2) acres for group 3 animals; additionally, the following list spec�es additional requirements by size of animals kept: GROUP 1 - Animals whose average adult weight is less than ten(10) pounds shall be permitted at an animal density of twelve(12)per acre, with a maximum number of fifty(50)animals; GROUP 2- Animals whose ave�age adult weight is between ten(10) and sixty-five(65j pounds shall be permitted at an animal density of two(2)per acre,with a maximum number of twenty(20)animals;and, GROUP 3- Animals whose average adult weight is greater than sixty- five(65}pounds shall be permiited at an animal de�sity of one(1)per acre,with a maximum numher of ten(10)animals. The keeping of a combination of animal types(Group 1, 2 and 3)shall require an animat density equal to the ratio of the number of animals,by rype. In no case shall a fot cantain more than fifty(50)tatal animats. Should one structure be used to house a combination of animal types,the most restrictive setback shall apply, 2. The foltowing lists minimum setbacks(from all property lines)imposed upon the placement of any structure used to house noncommercial livestock: GROUP 1 Animals Up to 25 animals,a twenty-five foot(25')setback; Above 25 animals,a fifty foot(50')setback; GROUP 2 Animals Up to 2 animals;a twenty-five fc�ot(25')setback; Above 2 animals;a fifty faot(50')setback;and, GROUP 3 Animals Fifty feet(50'). 3. AN structures used to house noncommercial livestock shall be prohibited from placement in the(ront yard; 4. All outdoor pasture/recreation areas shall be enclosed with fencing to preveni the escape of the animals; 5. The applicant shall furnish evidence of an effeciive means to dispose dead animals according to#ha regulations of the Pennsyfvania Depa�t- ment of Agriculture;and, S� �3 3 �� I3 6. All animal wastes shall be properly stored and disposed of, so as not to be objectionable at the site's property tine. All animals,their housing,and their outdoor pasture/recreation areas shali be prope�ly rnaintained so as not to become a nuisance to adjoining praperties. J. Temporary farm employee housing, if contained on a farm, subject to the followinL standards: 1. For each farm, one(1)manufactured home is permitted for the use of farm workers(and their families)who are employed by the owner of the farm,for such time as the employee works the land of the owner; 2. AI(such units shall be located within the rear yard of the farm dwelling and shall further comply with aA setback requirements imposed upon single- family detached dwellings; 3. Such manufactured homes shall be securely anchored to a manufactured home stand;a six inch(6")thick poured concrete slab over a six inch(6") stone base, the(ength and width of which shall be at least equal to the dimensions of the manufactured home. Each manufactured home pad shall include properly-designed utility connections; 4. The applicant shall fumish evidence that an approved system of water supply and sewage disposal will be utilized;and, 5. The manufactured home shall be�cupied at least one hundred twenty (120)days a year by at least one(1)person who is employed on the farm where the manufactured home is located. If this condition is not satisfied, the manufactured home shall be removed within one hundred iwenty(120) days. K. Gardening and raising of plants for personal use; and, L. No-impact home-based business,as defined herein. M. Cluster developments(see Section 414); 201.3. Special Exceation Uses(8ubject to the requirements listed in Sec6on 604.3.of this Ordinance.) 1. Campgrounds(see Section 411); 2. Golf courses and driving ranges(see Section 424);and, 201.4. Conditio�al Uses{Subject to the requirements listed in Section 705 of this Ordinance.) 1. Veterinary o�ces and animal hospitals(see Section 452). 201.5. Maximum Permitted Heiqht(subject to modific�cation under Section 304 and Section 418 of this Ordinance} 1. ,PSinciaal structures-One hundred fif�y feet(i 50'}for uninhabitable farm structures,and thirty-five feet(35')for other structures. Fu�ther provided that every structure that exceeds thirty-fnre(35)feet in height is set back from each property 1{ne a distance equal to its height;and, 2. Accessorv structures-Twenty-iive feet(25'};provided however,that every accessory structure higher than fifteen(15)feet shall be setback a minimum horizontal distance equal to its height from the closest side and rear lot line. 201.6. Aqricultural Setback Requirement-On any separate nonfarm parcel: 1. No shnib shall be planted within ten feet(10')of any land used for agricuitural purposes; 2. No accessory residential structures or fences shall be placed within ten feet(10')of any land used for agricultural purposes; and, 58 3� � y3 3. No tree shall be planted within thirty feet(:�0')uf any land used for agricuitural purposes. 201.7. Aaricultural Nuisance Disciaimer-All lands within the Rural Residential Zone are located within an area where land is used for commercial agriculturai production.Owners, residents, and other users of this ptoperty may be subjected to inconvenience,discomfort, and the possibility of injury to property and health arising from normal and accepted agricultural practices and operations, including, but not limited to, noise,odors, dust, the operation of machinery of any kind, including aircraft,the storage and disposal of manure, the application of fertilizers,soil amendments, herbicides and pesticides. Owners,occupants,and users of this property should be prepared to accept such inconveniences,discomfort,and possibility of injury from normal agricultural �perations, and are hereby put on officia�notice that Section 4 of the Pennsylvania Act 133 or 1982 "The Right to Farm Law° and the Agriculture Communities and Rural Environment(ACRE), PA Act 38 of 2005, may bar them from obtaining a fegal judgment against such normal agricultural operations. From the effective date of this Ordinance, all subsequent subdlvision plans submitted with the Zone shal!require a note which duplicates th(s section and which must be transferred to ihe purchaser by the seller. 201.8. Required Consetvation Plan-Any agricultural, horticultural or forestry uses which involve earthmoving aCtivities,or the commercial harvesting or 6mbering of veyetation, shall require 1he obtainment of an approved conservation plan by a technical service provider cert�ied by the PA NRCS(Natural Resource Conservation Service)or approved by the NRCS pursuant to Chapter 102 Erosion Control of Title 25 Rules and Regutations,Oepartment of Environmental Prolection. All on-site activities shall then be in comptiance�nnth the approved conservation plan. 201.9. All uses permitted within this zone shall also complywith the General Provisions contained in Article 3 of thls Ordinance. 2d1.10. Design Reauirements-Unless otherwise spec�ed, the following table presents applicable standards fo�non-cluster developments imposed by this Zone. See Section 414 for cluster developments. 59 �5 �� 3 I Section 201.10. Design Standards for the R Zone � � Minimum Minimum � Maximum I Minimum Yard Setbacks � Lot Lot Lot � Use Area3 Width Coverage Front � One Side Both Sides F � Agricuftural and ho�icuftural uses. 10 acress j 200 ft. � 10% i 50 n° 50 ft.' 100 ft.' 50 ft.° __-- __-- --- _. ..-- Municipal services,parks&playgrounds, ; 2 540 sq.R. I 50 ft. ' 40°!0 20 ft. �5 ft. 30 ft. + 20 ft. 8 pubiic utliities structures. i � i _------ __ ; . __ ._.. ----� I i ; � ' Single-family dweliings with o�-bt sewage , ! i disposal and on-!ot water service.�'� 60,000 sq.ft.� 2Q0 ft. 20/v 50 R. j 30 ft. I 60 ft. � 35 ft. i I Single-#amily dwellings with either central j sewage disposal or central water service.'� 30,000 sq.ft. 15U ft. 30% I 50 ft. i 20 R 40 ft. 35 ft. � � � — --t---- --- -- ----- , Single-family dwellings with both central i I sewage disposa)and ceMral water �1 d,000 sq.ft. 90 ft. 40°h 40 ft. � 10 ft. 20 ft. 35 ft. SGNfCB.'_2_._-�. _ i -- � }----- Olher pem►itted principat uses,inGuding i acre i 150 ft. � 20% SO R. � 3a ft. 60 ft. 50 fL forestry � � _. __ ___.__.__.----+-. --- ___ -- — Accessory Uses NIA � N/A ; WA Not pertnitted 5 ft 10 ft. 5 ft. Ii in front yarc1. __ �_ _ _-----1_ ____ i__--__.___ 'For lots that existed on the effective date of this ordinance,single family detached dwellings are permitted subject to those limitations deacribed in SecUon 201.12.of this Ordinance. If applicabls,landowners must obtain approva!for a cluster devetopment in accordance with Sections 201.4.1.and 414 of this Ordinance; z For single family detached dwelling units that existed on the effective date of this Ordinance. 3AIt uses relying upon on-lot sewers are subjeci to the requirements listed in Section 316 of this Ordinance. °Special setback reauiremen[s-Except as provided for in the following paragraph,no area for the storage or processing of gerbage I or spent mushroom compost,strvctures for the cultivation of mushrooms,shall be permitted within five hundred feet(500')of any adjoining land within any residentiat or the Village Zones. The Zoning HeaAng Board may,as a special e�ption.however,reduce the above special setback requirements where ii is shown thai,because ot prevailing winds,unusual obsUuctions,fopography,or other condiUons,a lesser distance would protect adjoining lands from odor,dust,or other hazards.In no case,however,shal)lhe Zoning Hearing Board reduce the special setback to tess than two hundred feet(200').The burden shall be upon the applicartt to prove that a lesser distance would not be detrimental to the health,safety,and general welfare of the community. $The minimum lot size for agricultural and horticuttural uses may be reduced by conditiona!use subject to the requiremerits of ISection 705 of this Ordinance provided that the goveming body determines that the proposed use is in accordance with ihe PA "Riqht-to Farm"law. __- - — __..__ 201.11. Flaa Lots and Joint Use Drivewavs Within the R Zone, the use of flag lots is permitted onlywhen it will enable the preservation of some important natural or culfural feature(including productive farmland),within areas not contained upon proposed new lots which would otherwise be disturbed by conventional lotting techniques; 1. For the purposes of this section, a flag-lot shall be described as containing two parts:(1) The"flag°shalf include that portion of the lot that is the location of the principal and accessory buildings.(2)The"pole°shall be considered that portion of the site that is used for vehicular access between the site and its adjoining road; ao �1.� �� `�3 2. Rec�uirements for the FI�: - FLAG-LOT__DIAGRAM A. The minimum lot area and{ot .----- - -----------_--------- - - .��,ac�i.0� width requirements af the REAR YARD y i� Township Zoning Ordinance --�--` m `� shall be measured exclusively ;Y;°RO �— . p i� upon the flag: ° '� � FRONT YARO ;S B. For purposes of determining � :� --------------�__.___.------------ --, , required yards and setbacks, '!n/TER�Or+LOT • :,�. the foflowing shall apply: ;¢ ,� Front ard-The area between �_.�-- '— --- ;� the principal structure and that ; ;� tot iine of the flag which is most ; :� paraliel to the street providing � � `� ; � �� vehicular access ta the site.Ad- � � ditionally,all areas of the pole shall be considered to be withln the front yard; Rear vard-The area between the principal structure and that lot line of the flag that is directly opposite the front yard,as described above;and, Side vards-The area between the principal structure and that o�e(1)outennost lot line which forms the flag and pole, plus the area on the opposite side af the principal structure. (See the Flag-Lot Diagram for a graphic depiction of the yard locations.) 3. The flag-lot shall contain adequate driveway dimension for vehicular backup sa that ingress to,and egress from the lot is in the fon�vard direction; 4. Reaui�ements for the Pole: A. The pole shall maintain a minimum width of twenty-five(25)feet; B. The pole shall nat exceed six hundred(600)feet in length,unless additional length is needed to avoid the disturbance of productive farmlands or some other significant natural or c�ltural feature; C. No part of the pole shall be used for any partion of an on-lot sewage dlsposal system, nor any other improvement except a driveway and other permitted improvements, such as landscaping,fencing,utility connections to off-site facilities, maitboxes,and signs; D. The cartvvay contafned on the pole shall be located at least six(6)feet from any adjoining property line,and twenry(20}feet from any existing structures on the site or any adjoining property; E. No pole shall be located within two hundred(200j feet of another on the same s(de of the street, untess an adjoining pole utilizes a joint-use driveway,regulated as follows: 5. Joint-Use Drivewavs: A. W hen one or more flag lots are proposed,such lots may rely upon a joint-use driveway for vehicular access; B. A joint-use driveway must serve at least one flag-lot, but may also serve conventional lois, up to a maximum of faur(4)total lots; C. All joint-use driveways shall have a minimum easement width of fifty{50}feet and a minimum cartway width of sixteen(16) feet; 61 -3� rrF ��3 �Fisq Lob wNh JdntdJa�Drivew�y Otsign D. Cross access easements shall be �-��""-��-��-� "��-� � �� ' � required to ensure common use of, ; � ��' '� ; access to,and maintenance of,joint- ' use driveways;such easements shall be � s..,� ; 4 ' reco�ded in language acceptable to the � ; Township Solicitor,and depicted on the i��„ � � � � �; ; �� ; � ,a,+�u,;o,a,�,h, , � subdivision plan;and, �j � E. Joint use driveways that exceed three '� ' � hundred(300')feet in length are ; , ; required to provide for a cul-de-sac tumaround with a dust free surface that has a minimum radius of fifty(50'}feet. 201.12. Limitatians on Subdivision and/or Land Development 1. To preserve sensitive natural features and the Township's�ural character and to ensure an e�cient and compact residential development pattem, it is the express inten!of this Ordinance that the subdivision of new residential lots or the development of new dwalling units shall be limited without the use of clustering,regardless of whether such development is accomplished by subdivision or land development. Z. The following table shall be used to determine the permissible number of lots which may be subdivided, or the number of new principal dwelling units that may be established, respectively,within this Zone without the need to gain approval for a cluster developmerrt in accordance with Sections 201.4.1.and 414 of this Ordinance. lot Area(Acres) Total number of iots that may be subdivided and/or At�east �ess than p�ncipal dwelUng unfts that may be established 0.46 2,75 Any number that can comply with the design standards contained within Section 201.10.of this ordinance. 2.75 10 � 10 20 2 20 30 3 30 40 � 4 40 50 5 50 or more 6 3. The determination of eligible land for such devetopments contained within the above table shall be based upon all contiguous land within the R Zone held in single and separate ow�ePShip,which was held by the landowner or his/her predecessor(s�in title on the effective date of this Ordinance. For the purposes of this Section,land held in single and separate ownership shall be considered to t�contiguous regardless of whether: A. Such land is divided into one or more lots,parcels, purpa�ts or tracts; B. Such land was acquired by the landowner at different times or by different deeds or other means;and, C. Such land is separated by public or private streets or rights-of-way. 4. If such land was not ciassified within the R Zone on the effective date of this Ordinance,the eligibility for development under this Section,shall be based upon the contiguous land held in single and separate ownership on the date such land was first rezoned to the R Zone; 62 3� �F �3 5. Any subdivision or land development plan hereafter filed shall specify which lot or lots shaii carry a right of further subdivision or development,as provided for in this Section of ihe Zoning Ordinance. Such information shail also be included in the deed for any new lots. If ihis information is not included on a subdivision or land developmeni plan,it shall be presumed that the fargest lot remaining after the subdivision shall carry the right of further subdivision or land development under this Section of the Zoning Ordinance; and, 6. The number of lots which may be created,or single-family dwellings which may be established, shall be�xed according to the size of the parent tract.This number shall not be increased by the subdivision of such parent tract.Any subsequent owner of a parent tract, land remaining in the parent tract after subdi�isian,or land which was formerly part of a parent tract, shall be bound by the actions of his predecessor. 63 3C'� v� �3 STEVEN W. BARRETT Steven W.Barrett Real Estate& Appraisal Services-Established 1976 505 South Hanover Street,Carlisle, PA 17013 Phone 717-243-6646 FAX 717-243-8627 E-Mail—Steve@swbarrett.com PROFESS(ONAL LICENSES: PA State Certi�ed General Appraiser,CA-000298-L PA Real Estate Broker, RB-026921-A Certified PA Evaluator,AV-000034-L PROFESS[ONAL DESIGNATIONS EARIYED: SRPA,Senior Reaf Property Appraiser, 1 1/90 CPE,Certified Pennsylvania Evaluator, 11/88 Appraiser fnstitute—General Member Assessors Association of Pennsylvania SRA,Senior Residential Appraiser,9/83 CRB,Certified Real Estate Brokerage Manager, Appraisal Institute—Residential Member 2/86,Realtors National Marketing Institute ASA,Accredited Senior Appraiser,Real Property CRA,Certified Review Appraiser, Senior Member Urban,7/90,American Society of Appraisers 4/81,National Association of Review Appraisers GAA,General Accredited Appraiser, 11/94 Realtors Appraiser Section ASSOCIATION MEMBERSHIPS: Appraisal Institute American Society of Appraisers Assessors Association of Pennsylvania REALTORS-National,State&Local Organiaations OFFICES HELD: 2006 Board Member,Greater Ha�Tisburg Assoc. of Realtors 1984-86 President,Chapter 70, 2003-2005 Board Member,Carlisle Board of Realtors Society of Rea) Estate Appraisers 2001 President,Appcaisal Institute,Central PA Chapter 1982-83 Vice President,Chapter 70.Society 1998 Chair,Appraisal Section, of Real Estate Appraisers Harrisburg Association of REALTORS 1981 Vice President,Carlisle Board of 1989-90 Vice Governor,District 20,Society of Real Realtors Estate Appraisers 1982 President,Carlisle Board of Realtors APPRAISAL AND REAL ESTATE EDUCATION: Appraisal Institute/SREA -Courses Penn State University-Courses SREA Course 101,An [ntroduction to Appraising Real Estate Appraising 1 SREA Course 102,Applied Residential Property Valuation Real Estate Appraising II SREA Course Z01, Principles of Income Property Valuation Real Estate Appraising-Right of Way SREA Course 202,Applied Income Property Valuation Real Estate Theory and Practice SREA Course 301,Special Application-Appraisal Analysis Real Estate Finance At Course 510,Advanced Income Capitalization Real Estate Administration.&Mana�ement Residential Demonstration Report Real Estate for the Small Investor Income/Commercial Demonstration Report ofBusiness Valuation Appraisal Institute/SREA Seminars: Online Business Practices and Ethics `04 . � c� �� `� �3 Environmental Issues for Appraisers '13 Penn Dot Right of Way Procedure `OS Business Practice&Ethics '13 Appraisal Review&The Process of PA Appraisers Regs '13 Reviewing `07 USPAP '13 Tax Assessment Law&Tax Appeal Ethical Behavior in a Wired World '12 Process in PA `07 PA Appraiser Regulations 2011 Review of PA Appraiser's Certification Valuing Homes With New Appraisal Requirements UAD '11 Act 07' Specialized Oil&Gas Valuation '11 Tax Free Like-Kind Exchanges `OS USPAP 2010-2011 Appraiser's In The Ring `OS How to Analyze&Value Income PropeRies '11 7 Hr. Elective Continuing Education Continuing Ed RECE45, 32,722 'I 1 Course X&II `03 Enhanced Desk Review '11 USPAP '03, 'O5, `07 Hotel Appraising:New Techniques for Residential Construction `03 Today's Uncertain Times"09 Appraising the Oddball: Nonconforming Greening Historic Bldgs. 21St.Cenrizry '09 &Difficult Properties Keep Yourself Safe&Legal `09 PA State Mandated Course '03 USPAP 2009 Uniform Appraisal Standards for Internet Search Strategies for R.E. Appraisers `07 for Federal Land`08 Appraising Environmenta(ly Contaminated Properties `09 Online Business Practices&Ethics `04 Appraiser Liability'03 Appraising from Blueprints and Specifications 'Oi Regression Analysis in Appraisal Practice 'Ol FHA Appraisal Inspection from the Ground Up 'O 1 Narrative Appraisal Report Writing Partial Interest Valuation—Undivided `00 Technology Form—Parts 1 and 2 `99 Litigation Skills for the Appraiser`98 Dynamics of Office Building Valuation `98 Loss Prevention `98 Uniform Residential Appraisal Report `97 Small Residential Income Property Appraisal `97 Valuation of Leasehold Interest`97 Valuation of Leased Fee Interest`97 Underwriter's Guidelines to Real Property Appraisal Appraisai of Mixed Use Property Types `96 ul a-� y3 Other Seminars: Veterans Administration Training `OS Veterans Administration Training '03 Appraisal of a For-Profit-Cemetery—AAP '96 Mandatory Brokerage-Kell '00 Appraisal of an Operating Landfill- AAP '96 Agency Changes,Choices and Forms Nursing Home Valuations-AAP '95 Realtors Institute '99 Realtors National Marketing Institute Law and Order: USPAP and PA Course 302,Marketing Management '86 Realtors Institute '99 HUD-FHA Training Seminar Elective Brokerage- Shearer'97 Pennsylvania Appraisal Statutes Mandatory Brokerage-Shearer'97 Two to Four Family Finesse-Appraising Appraising High-Value Residential Multi-Family Properties 2005 Properties 2005 WORK EXPERIENCE: Real Estate Property Manager, 1979 Real Estate Broker, 1974 Real Estate Appraiser, 1975 Real Estate Salesman, 1971 EXPERT WITNESS: Cumberland and Dauphin Counties Penn DOT Board of View Court of Common Pleas and Domestic Various Municipal Zoning and Master Hearings Planning Boards TYPES OF PROPERTIES APPRAISED: Residential Commercial Industrial Investment Multi-Family Mixed Use Agricultural Retail Easements Eminent Domain Right of Ways Subdivisions Feasibility Studies Cash Flow Analyses Assessment Appeals Consulting REAL ESTATE BROKERAGE: Listings,sales, leasing and consulting of all types of real estate in south-central PA � � c�-� � 3 � ��,..� ��rc�( 11��1; ��D'D�3Z"vo t ��, � �.ts � .. �(�c r. -�vn s . , a . . � A TRUE COPY FRQA�-PF��A � ! � .. , in Tes�mo�ty�'�� :° , - set y C°, , � � oi said CouR�t C��iioh, J� r� L:. �� 1 __ ; �, �°� 2010 i��.? ! 5 P�-� 2� 4� Tn�.1�+� �:.� �o �� r> ,� . . a, v <<�c.,�� c c -- - . �. �.�c,�`-' C�� '��i;� CN i ��• 4 r� � ? ��1, wKT _� f��r�Ft�"- u r �,�'�T CeuMp , _� � �U•.��,-a� v�� _ . l �., . i�1�, � .. ,. , 11- �-�IN�: EST�'�OF : IN THE COURT OF COMMON PLEAS OF �+ : CUMBERLAND COUNTY,PENNSYLVANIA : ORPHANS' COURT DIVISI4N J. RICHARD ZIMMERMAN, DECEASED : NO. i995-0333 DECREE AWARDING REAL ESTATE pp 1 R34 AND NOW, this �L I� day of �,.�� , 2010, it appearing that the First and Final Account and Schedule ofProposed Distribution of Manufacturers and Traders Trust Company, successor to Dauphin Deposit Bank and Trust Company and Doris S. Zimmerman, now Guarini, Executors of the Estate of J. Richard Zimmerman, late of West Pennsboro Township, Cumberland County,Pennsylvania,have been filed and advertised in accordance with law and rules of Court and the same have been confirmed by the Orphans' Court of Cumberland County,Pennsy3vania,on August 25, 2009, and it appearing that said Executors, in their Schedule of Proposed Distribution request the distribution of the real estate in kind to Doris Zimmerman Guarini(based on her request for distribution of all principal af the trust established under the Will of J.Richard Zimmerman),it is ordered,adjudged and decreed that decedent's undivided one-sixth (1/6) tenant in common interest in the hereinafter described real estate is hereby awarded to Doris Zimmerman Guarini,her heirs and assigns: ALL THOSE CERTAIN tracts of land with the improvements thereon erecte.d, both situate in South Middleton Tawnship,Cumberland County,Pennsylvania,bounded and described as follows: TRACT NO. 1: ("Home Farm") (Partly also in Dickinson Township) BEGINNING at a point at comer of lands formerly of F.W. Searight,now or formerly of Hemminger Brothers;thence by said lands of Hemminger Brothers and lands now or formerly of George Swarner South 63-1/2 degrees West 170.2 perches to a post;thence by lands formerly of John Hays,now or formerly of Albert Cohick,North 32-1/2 degrees West 114;7 perches to a post;thence by lands formerly of John Hays,now or formerly of William H. Hoffinan,North 52-1/� degrees East 50.2 perches to a post in a public road; thence by said public road on line of lands now or formerly of Wm. S. Munro, South 47-1/2 degrees East 50.3 perches to a post;thence by said lands now or formerly of Wm. S. Munro(formerly James R. Means)North 43-1/4 degrees East 94.9 perches to a point;thence by lands now or formerly of George L.Mellinger(formerly James R. Means)North 71 degrees East 33.4 perches to a point in line of lands formerly of Lewis MacGregor,now Tract No.2 herein;thence by said lands,now Tract No.2 herein,South 21-1/2 degrees East 105.9 perches to the place of BEGTNNING. CONTAINING 1 l7 acres and 8 perches. S C�. � , � '`�Yl �./� � �-F l� ,• EXPRESSLY EXCEPTING from the aforementioned described real estate the foIlowing adverse conveyance: (b) Deed from Charles C.Dallas,et al.,Grantors,to Ethel V.Myers,Administratrix of the Estate of Ray R. Myers, deceased, Grantee, conveying Grantors' six- seventh{6/7)tenant in common interest in a 1.223 acre,more or less,parcel to Grantee. Said Deed is dated October 15, 1974, and recorded June 24, 1975, in Cumberland County, PA,Deed Book"C",Votume 26, Page 885. TRACT NOr 2: ("Lower Farm") BEGINNING at a point at corner of lands fvrmerly of the heirs of Jatnes Means, deceased,now or formerly of George L.Mellinger and of tands formerly of Mrs.Daniel Craighead, now Tract No. 1 herein; thence by said Iands, 5outh 16 degrees East 105.8 perches to a point; thence by lands now or fortnerly of Hemminger Brothers and lands formerly of J. Fred Wherry,now or formerly of George Swarner,North 69-3/4 degrees East 190.2 perches to a point;thence by lands now or formerly of W.Stuart's heirs,North 9-1/4 degrees East 8.1 perches to a point;thence by school lot,North 24-1/2 degrees West S perches to a point; thence by same,North 28-1/2 degrees West 6.1 perches to a point; thence by the same,North 55-1/2 degrees East 10.3 perches to a point; thence by lands now or formerly of W. Stuart's heirs,North 25-3/4 degrees East 83.8 perches to a point; thence by lands formerly of Charles Ramsey, now or formerly of William H. Lippert, North 87-1/4 degrees West 37.8 perches to an iron pin in the center of a public road; thence by the center of said public road by lands now or formerly of said WiIliam H. Lippert(formerly a part of the same tract),South 22 degrees 5 minutes West 25.2 perches to an iron pin in the center of said road;thence by lands of said Lippert,South 7$degrees West 99.7 perches to a point;thence by lands formerly of Laura Conner,now or formerly of R.W. Calaman, and by lands now or focznerly of the aforesaid George L.Mellinger, South 77 degrees West 105.4 perches to a point, the place of BEGINNING. CONTAINING 127 acres and 12 perches,more or less. EXPRES SLY EXCEPTING from the abovementioned described reat estate the following adverse conveyances: (a) Deed fram Paul L.A.Niesley and wife to Dean M.Jones and wife dated June 26, 1969, and recorded in Cumberland County, PA, Deed Book "H", Volume 23, Page 755,containing 1.7878 acres,more or less; (b) Deed from Paul L.A.Niesley and wife to Robert M.Wickard and wife dated July 7, 1970,and recorded in Cumberland County,PA,Deed Book"S",Volutne 23, Page 124,containing 1.98 acres, with improvements. TRACTS NO. 1 AND 2 BEING the same tracts of land which Paul L. A.Niesley and Helen E.Niesley, his wife,by Deed dated June 23, 1972, and recorded in Cumberland County,PA,Deed Book"R"Volume 24,Page 478,granted and conveyed unto Charles C.Dallas,H.Robert Davis,Ray R.Myers,George F.Dixon,Jr.,J.Richard Zimmerman, L.B. Phillips,Jr., and Robert M. Frey, as equal one-seventh (I/7)tenants in comman. The said Ray R.Myers,having died November 12, 1973,his undivided one-seventh(1/7) tenant in cornmon share was conveyed by Ethel V. Myers, his Administratrix, in Deed � ��-� lP dated October 15, 1974, and recorded in Cumberland County, PA, Deed Book "C", Voiume 26, Page 913, to Charles C. Dallas, H. Robert Davis, George F. Dixon, Jr., J. Richard Zimmerman,L.B.Phillips,7r.,and Robert M.Frey,as equal tenants in common, resulting in each owning an undivided one-sixth(1/6)interest in said premises. TR.ACT NQ, 3: BEGINNING at a stake on the North side of Township Road T-477, known as Adams Road,a fifty(50)feet wide road, said stake being placed 3,132 feet eastwardly&om the center line of Township Road T-476;extending thence along land formerty of Paul L.A. Niesley, North 17 degrees 44 minutes 7 seconds West 295 feet to a stake; thence extending along land of the same North 72 degrees 15 minutes 53 seconds East 293 feet ta a stake;thence extending along land of the same and crossing the former bed of Adams Road now abandoned,Sauth 17 degrees 44 minutes 7 seconds East 295 feet to a stake on the north side of Adams Road,Township Road T-477;thence extending along the north side of said Adams Road, Township Road T-477, South 72 degrees 15 minutes 53 seconds West 293 feet to a stake,the place of BEGINNING. CONTAINING 1.98 acres, more or less. BEING the same premises which Robert M.Wickard and Lois V,Wickard,husband and wzfe, by their Deed dated August 4, 1977, and recorded September 2, 1977, in Cumberland County, PA,Deed Book"K",Voiume 27,Page 27, granted and conveyed unto Charles C. Dallas,H. Robert Davis,George F.Dixon,Jr.,J. Richard Zimmerman, L. B. Phillips,Jr. and Robert M. Frey, as equal one-sixth{1/6)tenants in common. The said J.Richard Zimmerman having died Aprit 12, 1995,Letters Testamentary were granted unto Dauphin Deposit Bank and Trust Company(now Manufacturers and Traders Trust Company} and Doris S. Zimmerman (now Guarini) by the Register of Wills of Cumberland County, PA. The Recorder of Deeds in and for said County of Cumberland is directed to record this Decree among the deeds in his official capacity and to index the same in the Grantor index against the Estate of J. Richard Zimmerman and in the Grantee index to Doris Zimmerman Guarini, in accordance with the Pennsylvania Proba#e,Estates and Fiduciary Code of 1972, as amende , ections 3534-3536. By the Court, � � J. � 3 � � � � � . CERTIFICATION OF ADDRESS I hereby certify the precise residence and complete post office address of the within named Grantee is 66 Spruce Circle,Newville, PA 1724I. Dated: ` Attorney for Grantee(NTS) MARTSON DEARDORFF WILLIAMS OTTO GILROY & FALLER MARTSON LAW OFFICES 10 EAST HIGH STREET CARLISLE�PENNSYLVATIIA 17013 TELEPHONE 717-243-3341 FACSIMi�,E 717-243-1850 INTE[uver www.martsonlaw.com F:\FILES1CIicnts19194 Guuw\9194.I.DARE.Ziauaemwn.Adyt�SRd/9194,1 I v � ` ,'',a' _� ROBERT P. ZIEGLER RECORDER OF DEEDS � �., CUMBERLAND COUNTY � *�.�.. ��3 1�' .,�� w 1 COURTHOUSE SQUARE -� CARLISLE, PA 17013 �� _ � y _ .; 717-240-6370 = � ' ' �" , � i r i ' ._�-,sw+vr�.4.;.. Instrument Number-201006587 Recorded On 3/lb/2010 At 11:34:41 AM *Totai Pages- 5 *Instrument Type-DEED Invoice Number-62371 User ID-KW *Grantor-ZIMMERMAN,J RICHARD *Grantee-GUARINI,DORIS ZIMMERMAN *Customer-MARTSON *FEES STATE WRIT TAx $o.so Certification Page STATE JCS/ACCE3S TO $23.50 Jus�ricE . DO NOT DETACH RECORDING FEES - $11.50 RECORDER OF DEEDS This page is now part PARCEL CERTIFICATION $10.00 �ES of this legal document. AFFORDABLE HOUSING $11.50 COUNTY ARCHIVES E'EE $2.00 ROD ARCHIVES FEE $3.00 CARLISLE AREA SCHOOL $0.00 DISTRICT SOUTH MIDDLETON SCHOOL $0.00 DISTRICT DICFtINSON TOWNSHIP $0.00 SOUTH MIDDLETON TOWNSHIP $0.00 TOTAL PAID $62.oo I Certify this to be recorded in Cumberland County PA o�cu,M� , �� p ° RECORDER O D DS f780 *-Informatio�denoted by an asterisk may change during the verification process and may not be retlected on this page. • 601 R34 III Illlllllll fllllllllll111i � Q-F � Property Mapper Cumberland County, PA , �� . � �� ,�, , , ��-� ,.� �� - 4�, a + � � �::, � �� • �.." � �. '� ��;. , �v. .,r_ � � � � ,� ,. ,,. , . • ,,. �, � � ,'��I r�� `� ' # > 1 III II �i .. } &� � , �� ? ,��' • ••. � I ll �III II li � �. ��.�,i� � � �� " �I � .• s °e� �� 3 9�� r�� ; ��-��z��i.:� �n��,� � �� ; ��r� � � � �' �sa .s �. . . .�� • �� Y � ,, � �� ti � � ��;.,.�,. ,, � a �� ;:��'��; y; ��.. � r ' � �..��. :.:x .��,,,�5 3; & �"�� '�� ' - �;�' ��. r �, y g a ��:�; +. � ��: ��. ��a,t�.; �. " �a cz �i;. �,� yc � r ;;�;, .t5 S�� ..wt^�.,. Y.�v`��,�� .-,.�'9� % . °�.,,, >��'°`:' � Copyright 2011 Esri. All rights reserved. Wed Jul 10 2013 03:12:54 PM. 40-10-0632-001 Site Address: ADAMS ROAD Deedbook: 201006587 Owner: FREY, ROBERT G ET AL � Land Use Code: 112 Property Type: AO Acreage: 232 Square Feet: Taxable Status:T Clean &Green Status: Land Assessed Value$: 1014500 Building Assessed Value$: 39600 Total Assessed Value $: 1054100 Sale Price $: Sale Date: Mon Mar 15 2010 08:00:00 PM Year Built: Municipality: SOUTH MIDDLETON TWP Height in Stories: Type of Dwelling: Primary Exterior: Basement Percentage: Air Conditioning: Total Rooms: Bedrooms: Full Bath: Half Bath: (� 0-F t� • ,� EstaLe ValuaCion Dale oE Death; 07/09/2013 EstaCe of; Aoris Guarini Valualion DaCe; 07/U4/2013 Account: 410-893354 Processing Date: 07/12/2013 Report Type: Date of Deal-h Number of Securities: 19 File ID; Guarini 910-893359 Shares Security Mean and/or Div and Int Security or Par Descriplion High/Ask Low/Bid AdjuslmenCs Accruals Valuo 1) 14876.19 Cash (CASH} 19,876.19 __... ._. __. _ _ _ ..... __. _ _ 2) 1000 PNC CINL SVCS GROUP INC (693475105; PNC1 COM New York Stock Exchange � 07/03/2013 7d.09000 73.2120Q H/L 07/05/2013 75.94000 7�1:47000 H/L 74,928000 7A,A28.00 3) 1526.82 AMGRICAN i'DS INCOME SERIES (026300301; UGSCX) USG GTD ST:'C C Mutua] rund (as quoted by NASDAQy 07/03/2013 13.78000 Mkl- 13.780000 21,039.58 Daily Div. Accrua.l es of 07/Od/2013 0.26 9) 932.62 CAPI'CAL INCOME HLDR FD (190193301; CIBCX� CL C MuCUal Cund ias quotad by NASDAQ) 07/03/2013 56.52000 MkC 59.520000 23,566.99 5) A2�1.2A DAVIS NY V�NTURL+ FD INC 1239080302; NYVCXI CL C Mutual I�'und (as quoled by NASDAQI 07/03/2013 35.93000 Mkl• 35.930400 152,387.75 6) 9927.06 TNCOME I'D AMSR INC (953320301; IFACX� CL C Mutual Fund (as quoted by NASDAQ► Q7/Q3/2013 18.86000 MkC 18,460000 187,22A.35 71 14945.42 LEGG MASON GLOIIAL ASSGT MN1G TR (524686615; LMVTX) CL C t�utual Fund values regorted to hASDAQ 07/03/2413 49,72000 MkC 49.720000 793,086.28 8) 19558.56 ROYCE FD (780905616; RYPCX) PENN CONSULTN Mulual L'und (as q�oted by NASDAQ) 07l03/2013 11.56000 Mkt 11.560000 166,296.95 9) 1516.62 WELLS FARGO ADVANTAGE FDS (299912105; EKGRX) WCA GAI, OPP FD A Mutual Cund (as quoled bY NASDAQ) 07/03/2013 37.19000 Mkt 37.140000 56,327.27 10) 5000D GOLDMAN SACHS GRP INC MTN BE (381916M89) Inl•eractive Data Corporation pTD: 03/OII/2012 Mal; 03/15/2018 9+t 07/03/2013 109.08570 Mkt 07/OS/2013 103.25000 A/B 103.667850 51,833.93 Int: 06/1S/7.013 Lo 07/09/2013 105.56 111 25000 RLLY 13K MIUVALE UTAH (02004MN'T4) Int�racl-ive Dala Corporation DTD; 09/03/2010 Mat: Q9/03/2013 1.58 07/03/2013 100.19310 Mkt 07/OS/2013 100.18750 A/B 100.190100 25,647.58 Inl•; 03/03/2013 to 07/09/2013 12fi.37 Note: Put Oplion on DOD Page 1 This report was produced wilh EstaLeVal, a product oE Estate Valuations � Pricing SysCems, inc. Tf you have questions, please contact EVP SysL•ems aL• 1818) 313-6300 or www.evpsys.can. (Revision 7.3.1) �c�h� � � _ �`,`, � C I �{ 3� DaCe of Death; 07/09/7.013 Estate ot: Doris Guarini Valuatian Date: 07/09/2013 Account: 410-693354 Pracessing Date: 07/12/2013 Report Type: Dare oE Death Number of Securities: 19 �ile ID: Guarini 410-893359 Shares Security Mean and/or Div and Tnt Security or Par Description Nigh/ASk Low/Bid Adjustments Accruals Value 12) 50000 ALLY 9K MIDVALG UTAH t02005Q2P1) InleracCive 6ela Corporation DTD; 03/14/20a2 MaL: 03/1G/2015 0.98 _.._.._.. _. ____ _._.__._ _42/03/2013_._. __........_ ___ _...... ___ ___104,.7.4550 Mkk.__.. _.._ _._ __ . 07/05/20�3 100.71875 A/B __ .. _ ..__. 100.'712125 50,356.06 Inc: 03/�9/2013 to 07/0�/2013 138.00 Note: Pnt Option on DOD 13) 50000 DISCOVER DK (259G�1I,J71 InteracCive DaCa Coz�poration DTD; 03/20/2013 Mato 03/21/2016 0,8$ 07/03/2013 99.?.6550 Mkt 07/OS/2013 99.28125 A/B 99.273375 99,636.69 InC: 03/20/2013 to O7/04/2013 116.16 Nore: Pue OpCion on DOD 19) 50000 GE CAP RETATL BH llItAPBR UTAH (36159CYV2) Interactive Data Corporation DTD: 61/28/2011 MaC: O1/26/2019 1.258 07/03/2013 100.36520 Mkt 07/05/2013 100.37500 A/B 100.380100 50,190.05 Int: O1/28/2013 to 07/09/2013 266.89 Note: Put Option on DOD 15) 25000 GE CAP BR INC RETAIL 136160TDW3) Interactive Data Corporation DTD: 09/25/2008 MaC: 09/25/2013 5� 07/03/2013 lOD.95910 MkL- 07/05/2013 100.93750 A/B 100.948300 25,237.08 Int: 03/25/2013 to 07/04/2013 345.89 NoCe: Put Option on DOD 16) A0000 GOL,DMAN SACIIS F3K USA NY (38143A5H4) InLeractive Data Corporation DTD: 02/06/2013 MaC: 02/06/2015 0.78 07/03/2013 99.81350 MkC 07/05/2013 99.81250 A/II 99.8130Q0 39,925.20 Int: 02J06/2013 to 07/04/2013 113.53 Note: Put Option on DOD 17) 40006 GOLDMAN SACRS BR USA NY (38193ASK7) InCeractive Aata Corporation D'PD: 02/06/2013 Mat: 02/08/2016 0.85�6 07/03/2013 99.31360 Mkt 07/OS/2013 99.31250 A!B 99.313050 39,725.22 Int: 02/06/2013 to 01/04/2013 137.86 Note: Put Option on DOD ]8) 7500Q GOLDMAN SACHS BK USA NY (38143AJXG) Interactive Data Corporation DTD: 02/15/2012 MaC: 02/18/2014 0.1$ D7/03/2013 100.08430 Mkt 07/05/2013 100.09375 A/B 100.089025 75,0G6.77 Int: 02l15/2013 to 07/69/2013 199.93 Note; Put Option on DOD 191 300 AGLZGD IRlSH BKS P L C (019228402) SPON ADR ORD New York SL-ock Exchange D7/03/2013 1.12000 0.92000 H/L 07/05/2d13 1.01000 0,95000 H/L 1.000000 300.00 Page 2 This report was produced with EstateVal, a product of L+state Valuations & Pricing Systems, Inc. Tf you have c7uestions, please contact GVP Syseems at (818) 313-6300 or www.evpsys.com. {Revision 9.3.1) C � �� 3� . . Date of Aeath: 0'1/04/2013 Estate of: Doria Guarini ValuaLion Date: 07/04/2013 Account: 910-69335A Processing Date: 07/12/2013 Report Type: Date of Death Number of Securities: 19 F.ile ID: Guarini 910-893354 Total value: S1,IIG8,571.39 Total Accrual: $1,552.48 ToCal: S1,B50,123.87 _. . ._ ._ _ _._ ___ _ _ _ __ ___ __. _ __ __ ....... _. _..__._.._. __ ._.. _ ..._. ___ Yage 3 'Phis report was �roduced wil'h Estal'eVal, a product of Bstate Valuations & Pricing Systems, Tnc. If you have quesCions, please conLact �VP Systems at (816) 313-6300 or uiww.evpsys.com. 1Revision '1.3.1) �3 �3 � � � � I IIIII)I�IIII II'll IIIIII III)IIIII)IIIII III('I'I IIII II�I P3gA066838 MANITO ABSTRACT COPAPANY. 12723l2010 12.36P 8-8082�'930 Prepared by: Ivo V. Otto, III, �squire 10 F.ast High Street This Document Recorded Doc Id:11066838 12/23/2010 State RTT:0.00 Receipt#:538856 Carlisle, PA 17013 12:36PM Local RTT:0.00 Rec Fee:81.00 Doc Code MTG Chester County,Recorder of Deeds Office Return to: Recorded Electronically by Simplifile Manito Abstract Company, Inc. 100 West 1Vlarket Street �� n�/ West Chestei•, PA 19382 � i..�;;}.�� UU.(p (610) 436-4767 . �`r;f'''��`= ;:..,.,,�' 75550-M ��" RECORDER OF DEEDS �,`Z` UPl # 1-9-746 � �- OPEN-END MORTGAGE THIS MORTGAGE SECURES FUTURE ADVANCES THIS MORTGAGE("Security Instrument")is given on December 17,2010. The mortgagor is CRAIG S. HEIlvIBERGER, single, whose address is 324 S. Darlington Street, West Chester, Pennsylvania 19382, ("Bonower"). This Security Instrument is given to DORIS S. GUARIM, an adult individual, whose address is 66 Spruce Circle, Newville Pennsylvania 17241 ("Lender"). Borrower owes Lender the principal sum of ONE HtJNDRED FIFTY-FNE THOUSAND DOLLARS AND 00/100(U.S. $155,000.00).'This debt is evidenced by Borrower's note dated the same date as this Security Instrument("Note"),which provides for interest,with the full debt,if not paid eazlier, due and payable on December 17, 2015. This Security Instrument secures to Lender: (a) the repayment of the debt evidenced by the Note,with interest, and all renewals,extensions and modifications; (b) the payment of all other sums, with interest, advanced under paragraph 6 to protect the security of this Security Instrument; and (c) the performance of Borrower's c�venants and agreements under this Security Instrument and the Note and (d) the repayment of any future advances,with interest thereon,made to Borrower by Lender pursuant to paragraph 18 hereof(herein "Future Advances"). For this purpose,Borrower does hereby mortgage,grant and convey to Lender the following described property located in the Borough of West Chester, County of Chester and State of Pennsylvania: � See Exhibit"A"attached hereto and made a part hereof which has the address of 130 East Bamard Street, West Chester, Pennsylvania 19382 ("Property Address"); TOGETHER WITH all the improvements now or hereafter erected on the property, and all easements,rights,appurtenances,rents,royalties,mineral,oil and gas rights and profits,water rights and stock and all fixtures now or hereafter a part of the property. All replacements and additions shall also be covered by this Security Instrument. All of the foregoing is referred to in this Security Instrument as the "Property." ��. b , �`�2 r� ( � j �..� I��) BORROWER COVENANTS that Borrower is lawfully seised of the estate hereby conveyed and has the right to mortgage,grant and convey the Property and that the Property is unencumbered, except for encumbrances of record. Borrower warrants and will defend generally the title to the Property against all claims and demands,subject to any encumbrances of record. l. Payment of Principal and Interest; Prepayment and Late Charges. Borrower shall promptly pay when due the principal of and interest on the debt evidenced by the Note and any prepayment and late chazges due under the Note. 2. Appiication of Payments. Unless applicable law provides otherwise,all payments received by Lender under paragraph 1 shall be applied: first, to late chazges due under the Note; second, to interest due;and last,to principal due. 3. Charges; Liens. Bonower shall pay all taxes, assessments, chazges, �nes and impositions attributable to the Property which may attain priority over this Security Instrument,and leasehold payments or ground rents,if any,on time directly to the person owed payment. Borrower shall promptly furnish to Lender all notices of amounts to be paid under this paragraph and shall pmmptly furnish to Lender receipts evidencing the payments. Borrower shall promptly discharge any lien which has priority over this Security Instrument unless Borrower: (a) agrees in writing to the payment of the obligation secured by the lien in a manner acceptable to Lender;(b) contests in good faith the lien by,or defends against enforcement of the lien in, legal proceedings which in the Lender's opinion operate to prevent the enforcement of the lien or forfeiture of any part of the Property; or(c) secures from the holder of the lien an agreement sarisfactory to Lender subordinating the lien to this Security Instrument. If Lender determines that any part of the Property is subject to a lien which may attain priority over this Security Instrument,Lender may give Borrower a notice identifying the lien. Borrower shall satisfy the lien or take one or more of the actions set forth above within 10 days of the giving of notice. 4. Hazard Insurance. Borrower shall keep the improvements now existing or hereafter erected on the Property insured against loss by fire, hazards included within the term "extended coverage" and any other hazards for which Lender requires insurance. This insurance shall be maintained in the amounts and for the periods that Lender requires. The insurance carrier providing the insurance shall be chosen by Bonower subject to Lender's approval which shall not be unreasonably withheld. All insurance policies and renewals shall be acceptable to Lender and shall include a standard mortgage clause. Lender shall have the right to hold the policies and renewals. If Lender requires, Borrower shall promptly give to Lender aIl receipts of paid premiums and renewal notices. In the event of loss,Borrower shall give prompt notice to the insurance carrier and Lender. Lender may make proof of loss if not made promptly by Borrower. Unless Lender and Borrower otherwise agree in writing,insurance proceeds shall be applied to restoration or repair of the Property damaged,if the restoration or repair is economically feasible � � � � �� and Lender's security is not lessened. If the restoration or repair is not economically feasible or Lender's security would be lessened,the insurance proceeds shall be applied to the sums secured by this Security Instrument,whether or not then due,with any excess paid to Borrower. If Borrower abandons the Property,or does not answer within 30 days a notice from Lender that the insurance carrier has offered to settle a claim, then Lender may collect the insurance proceeds. Lender may use the proceeds to repair or restore the Property or to pay sums secured by this Security Instrument, whether or not then due. The 30-day period will begin when the notice is given. Unless Lender and Bonower otherwise agree in writing, any application of proceeds to principal shall not extend or postpone the due date of the monthly payments referred to in pazagraph 1 or change the amount of the payments. If under paragraph 19 the Property is acquired by Lender, Bonower's right to any insurance policies and proceeds resulting from damage to the Property prior to the acquisition shall pass to Lender to the extent of the sums secured by this Security Instrument immediately prior to the acquisition. 5. Preservation and Maintenance of Property; Leaseholds. Borrower shall not deshoy,damage or substantially change the Property, allow the Property to deteriorate or commit waste. If this Security Instrument is on a leasehold,Borrower shall comply with the provisions of the lease,and ifBorrower acquires fee title to the Property,the leasehold and fee title shall not merge unless Lender agrees to the merger in writing. 6. Protection of Lender's Rights in the Property. If Bonower fails to perform the covenants and agreements contained in this Security Instrument,or there is a legal proceeding that may significantly affect Lender's rights in the Property(such as a proceeding in bankruptcy,probate, for condemnation or to enforce laws or regulations), then Lender may do and pay for whatever is �necessary to protect the value of the Property and Lender's rights in the Properly. Lender's actions may include paying any sums secured by a lien which has priority over this Security Instrument, appearing in court,paying reasonable attomeys'fees and entering on the Property to make repairs. Although Lender may take action under this paragraph 6,Lender does not have to do so. Any amounts disbursed by Lender under this paragraph 6 shall become additional debt of Borrower secured by this Security Instnunent. Unless Borrower and Lender agree to other terms of payment,these amounts shall beaz interest from the date of disbursement at the Note rate and shall be payable,with interest,upon notice from Lender to Borrower requesting payment. 7. Inspection. Lender or its agent may make reasonable entries upon and inspections of the Property. Lender shall give Borrower notice at the time of or prior to an inspection specifying reasonable cause for the inspection. 8. Condemnation. The proceeds of any award or claim for damages, direct or consequential, in connection with any condemnation or other taking of any part of the Property,or for conveyance in lieu of condemnation,are hereby assigned and shall be paid to Lender. In the event of a total taking of the Properiy, the proceeds shall be applied to the sums secured by this Security Instrument,whether or not then due,with any excess paid to Borrower. In C�3 � � °� the event of a partial taking of the Property,unless Borrower and Lender otherwise agree in writing, the sums secured by this Security Instrument shall be reduced by the amount of the proceeds multiplied by the following fraction: (a) the total amount of the sums secured immediately before the taking,divided by(b)the fair market value of the Property immediately before the taking. Any balance shall be paid to Borrower. If the Property is abandoned by Borrower,or if,after notice by Lender to Borrower that the condemnor offers to make an award or settle a claim for damages, Borrower fails to respond to Lender within 30 days after the date the notice is given,Lender is authorized to collect and apply the proceeds,at its oprion,either to restoration or repair of the Property or to the sums secured by this Security Inshument,whether or not then due. Unless Lender and Borrower otherwise agree in writing, any application of proceeds to principal shall not extend or postpone the due date of the monthly payments referred to in paragraph 1 or change the amount of such payments. 9. Borrower Not Released;Forbearance By Lender Not a Waiver. Extension of the time for payment or modification of amortization of the sums secured by this Security Instrument granted by Lender to any successor in interest of Borrower shall not operate to release the liability of the original Borrower or Borrower's successors in interest. Lender shall not be required to commence proceedings against any successor in interest or refuse to extend time for payment or otherwise modify amortizarion of the sums secured by this Security Instrument by reason of any demand made by the original Borrower or Borrower's successors in interest. Any forbearance by Lender in exercising any right or remedy shall not be a waiver of or preclude the exercise of any right or remedy. 10. Successors and Assigns Bound; Joint and Several Liability; Co-signors. The covenants and agreements of this Security Instrument shall bind and benefit the successors and assigns of Lender and Borrower,subject to the provisions of paragraph 16. Borrower's covenants and agreements shall be joint and several. Any Borrower who co-signs this Security Instrument but does not execute the Note: (a) is co-signing this Security Instrument only to mortgage, grant and convey that Borrower's interest in the Property under the terms of this Security Instrument;(b)is not personally obligated to pay the sums secured by this Security Instrument;and(c)agrees that Lender and any other Borrower may agree to extend,modify, forbear or make any accommodations with regard to the terms of this Security Instrument or the Note without that Borrower's consent. 11. Loan Charges. If the loan secured by this Security Instrument is subject to a law which sets maximum loan charges,and that law is finally interpreted so that the interest or other loan charges collected or to be collected in connection with the loan exceed the permitted limits,then: (a) any such loan charge shall be reduced by the amount necessary to reduce the charge to the permitted limit;and(b)any sums already collected from Borrower which exceeded permitted limits will be refunded to Borrower. Lender may choose to make this refund by reducing the principal owed under the Note or by making a direct payment to Borrower. If a refund reduces principal,the reduction will be treated as a partial prepayment without any prepayment charge under the Note. �y � � °� 12. Legislation Affectiug Lender's Rights. If enactment or expiration of appiicable laws has the effect of rendering any provision of the Note or this Security Instrument unenforceable according to its terms, Lender, at its option, may require immediate payment in full of all sums secured by this Security Instrument and may invoke any remedies permitted by paragraph 18. If Lender exercises this option, Lender shall take the steps specified in the second paragraph of pazagraph 16. 13. Notices. Any notice to Borrower provided for in this Security Instrument shall be given by delivering it or by mailing it by first class mail unless applicable law requires use of another method. The notice shall be directed to the Property Address or any other address Bonower designates by notice to Lender. Any notice to Lender shall be given by first class mail to Lender's address stated herein or any other address Lender designates by notice to Borrower. Any norice provided for in this Security Instrument shall be deemed to have been given to Borrower or Lender when given as provided in this pazagraph. 14. Governing Law; Severability. This Security Instrument shall be governed by federal law and the law of the jurisdiction in which the Property is located. In the event that any provision or clause of this Security Inshument or the Note conflicts with applicable law, such conflict shall not affect other provisions of this Security Instrument or the note which can be given effect without the conflicting provision. To this end the provisions of this Security Instrument and the Note are declared to be severable. 15. Borrower's Copy. Borrower shall be given one conformed copy of the Note and of this Security Instrument. 16. Transfer of the Property or a Beneficial Interest in Borrower. If all or any part of the Property or any interest in it is sold or transferred(or if a beneficial interest in Borrower is sold or transferred and Borrower is not a natural person)without Lende�'s prior written consent,Lender may,at its option,require immediate payment in full of all sums secured by this Security Instrument. However,this option shall not be exercised by Lender if exercise is prohibited by federal law as of the date of this Security Instrument. If Lender exercises this option,Lender shall give Borrower notice of acceleration. The notice shall provide a period of not less than 30 days from the date the notice is delivered or mailed within which Borrower must pay all sums secured by this Security Instrument. If Borrower fails to pay these sums prior to the expiration of this period,Lender may invoke any remedies permitted by this Security Instrument without further notice or demand on Borrower. 17. Borrower's Right to Reinstate. If Borrower meets certain conditions, Borrower shall have the right to have enforcement of this Security Instrument discontinued at any time prior to the earlier of: (a) 5 days(or such other period as applicable law may specify for reinstatement) before sale of the Property pursuant to any power of sale contained in this Security Instrument;or (b)entry of a judgment enforcing this Security Instrument. Those conditions are that Borrower: (a) pays Lender all sums which then would be due under this Security Instrument and the Note had no acceleration occurred; (b) cures any default of any other covenants or agreements; (c) pays all �� '�� expenses incurred in enforcing this Security Instrument; including,but not limited to,reasonable attorneys' fees; and(d) takes such action as Lender may reasonably require to assure that the lien of this Security Instrument,Lender's rights in the Property and Bonower's obligation to pay the sums secured by this Security Instrument shall continue unchanged. Upon reinstatement by Borrower,this Security Instrument and the obligations secured hereby shall remain fully effective as if no acceleration had occurred. However,this right to reinstate shall not apply in the case of acceleration under paragraphs 12 or 16. 18. Acceleration;Remedies. Lender shall give notice to Borrower prior to acceleration following Bonower's breach of any covenant or agreement in this Security Instrument(but not prior to acceleration under paragraphs 12 and 16 unless applicable law provides otherwise). Lender shall notify Borrower of,among other things: (a) the default;(b)the action required to cure the default; (c) when the default must be cured; and(d)that failure to cure the default as specified may result in acceleration of the sums secured by this Security Inshument, foreclosure by judicial proceeding and sale of the Property. Lender shall further inform Borrower of the right to reinstate after acceleration and the right to assert in the foreclosure proceeding the non-existence of a default or any other defense of Borrower to accelerarion and the right to assert in the foreclosure proceeding the non-existence of a default or any other defense of Borrower to acceleration and foreclosure. If the default is not cured as specified,Lender at its option may require immediate payment in full of all sums secured by this Security Instrument without further demand and may foreclose this Security Instrument by judicial proceeding. Lender shall be entitled to, attorneys' fees and costs of title evidence to the extent permitted by applicable law. 19. Lender in Possession. Upon acceleration under paragraph 18 or abandonment of the Property,Lender(in person,by agent or by judicially appointed receiver)shall be entitled to enter upon,take possession of and manage the Property and to collect the rents of the Property including those past due. Any rents collected by Lender or the receiver shall be applied first to payment of the costs of management of the Property and collection of rents,including,but not limited to,receiver's fees,premiums on receiver's bonds and reasonable attorneys'fees,and then to the sums secured by this Security Instrument. 20. Release. Upon payment of all sums secured by this Security Instrument,Lender shall discharge this Security Instrument without charge to Borrower. Borrower shall pay any recordation costs. 21. Re�nstatement Period. Borrower's time to reinstate provided in pazagraph 18 shall extend to one hour prior to the commencement of bidding at a sheriffs sale or other sale pursuant to this Security Instrument. 22. Purchase Money Mortgage. If any of the debt secured by this Security Instrument is lent to Borrower to acquire ritle to the Property,this Security Instrument shall be a purchase money mortgage. C(� � � � � 23. Interest Rate After Judgment. Borrower agrees that the interest rate payable after a judgment is entered on the Note or in an action of mortgage foreclosure shall be the rate payable from time to time under the Note. BY SIGNING BELOW,Borrower accepts and agrees to the terms and covenants contained in this Security Instrument executed by Borrower. ' esse �� (Seal) Craig S. Heimberger COMMONWEALTH OF PENNSYLVANIA ) ): ss. COUNTY OF � ) � On this, the �� day of December 2010, before me, the undersigned officer, personally appeared CRAIG S. HEIMBERGER, laiown to me (or satisfactorily proven) to be the persons whose names are subscribed to the within instrument,and acknowledged that they executed the same for the purposes therein contained. IN WITNESS WHEREOF,I hereunto t my han d offic' seal. aorr�TM o��v�► �se� (SEAL) s��w•�a•"0�n�'` Notary li w�r a�er eoro,cn�� My coirxn�ssla+F�S r'�v , Member,�nns�lvan�a Assocladon of Notarles I hereby certify that the precise residence and complete post office address of the within Mortgagee is: Doris S. Guarini c% Ivo V. Otto III, Esqui e, Martson Law Offices, 10 East High Street,Carlisle,PA 17013 Atto ey o ort agee � � �� =� Manito Title Insurance Company Commitment No.:75550-M Exhibit A ALL THAT CERTAIN messuage (designated as No. 130) and lot of ground, situate on the southern side of East Barnard Street,between Walnut and Matlack Streets, in the Borough of West, Chester, Chester County, Pennsylvania, bounded northwardly by Barnard Street, eastwardly and westwardly by land late of Robert Mercer and southwardly by a public alley running from Matlack Street westwardly parallel with Barnard Street, to an 18 feet wide alley running southwardly from Barnard Street to Union Street, being 20 feet in from on Barnard Street and back that width southwardly between parallel straight lines 150 feet to the aforesaid public alley. BEING Chester County UPI 1-9-746 BEING the same premises which Miles A. Schuman and Monica Herzog,husband and wife,by deed dated May 11, 2001 and recorded June 4, 2001 in the Office for the Recorder of Deeds in and for the County of Chester, and Commonwealth of Pennsylvania in Record Book 4972, page 1285, granted and conveyed unto L-G Properties, a Pennsylvania Partnership, in fee. PA-3 C� � ' °> MONTHLY LOAN ANALYSIS PRINCIPAL $155,000.00 THESE THREE VARIABLES ANNUAL INT RATE 4.25% ARE USER INPUTTED TERM (Years) 30 0 PERIODS (PER YEAR) 12 START DATE MO DAY YEAR DAY MONTH AND YEAR 1 17 2011 ARE USER INPUTTED Monthly Payment $762.51 No. of Payments 360 USER INPUTTED� MN PYMT DATE BEGINNING ENDING CUMULATIVE NO MO DAY YEAR BALANCE INTEREST RINCIPA BALANCE INTEREST YR 1 1 17 2011 $155,000.00 $548.96 $213.55 $154,786.45 $548.96 2 2 17 2011 $154,786.45 $548.20 $214.30 $154,572.15 $1,097.16 3 3 17 2011 $154,572.15 $547.44 $215.06 $154,357.08 $1,644.60 4 4 17 2011 $154,357.08 $546.68 $215.83 $154,141.26 $2,191.28 5 5 17 2011 $154,141.26 $545.92 $216.59 $153,924.67 $2,737.20 6 6 17 2011 $153,924.67 $545.15 $217.36 $153,707.31 $3,282.35 7 7 17 2011 $153,707.31 $544.38 $218.13 $153,489.18 $3,826.73 S 8 17 2011 $153,489.18 $543.61 $218.90 $153,270.28 $4,370.34 9 9 17 2011 $153,270.28 $542.83 $219.67 $153,050.61 $4,913.17 10 10 17 2011 $153,050.61 $542.05 $220.45 $152,830.16 $5,455.23 11 11 17 2011 $152,830.16 $541.27 $221.23 $152,608.92 $5,9�36.50 12 12 17 2011 $152,608.92 $540.49 $222.02 $152,386.91 $6,536.99 13 1 17 2012 $152,386.91 $539.70 $222.80 $152,164.10 $539.70 14 2 17 2012 $152,164.10 $538.91 $223.59 $151,940.51 $1,078.62 15 3 17 2012 $151,940.51 $538.12 $224.38 $151,716.13 $1,616.74 16 4 17 2012 $151,716.13 $537.33 $225.18 $151,490.95 $2,154.07 17 5 17 2012 $151,490.95 $536.53 $225.98 $151,264.97 $2,690.60 18 6 17 2012 $151,264.97 $535.73 $226.78 $151,038.20 $3,226.33 19 7 17 2012 $151,038.20 $534.93 $227.58 $150,810.62 $3,761.26 20 8 17 2012 $150,810.62 $534.12 $228.39 $150,582.23 $4,295.38 21 9 17 2012 $150,582.23 $533.31 $229.19 $150,353.03 $4,828.69 22 10 17 2012 $150,353.03 $532.50 $230.01 $150,123.03 $5,361.19 23 11 17 2012 $150,123.03 $531.69 $230.82 $149,892.21 $5,892.88 24 12 17 2012 $149,892.21 $530.87 $231.64 $149,660.57 $6,423.74 25 1 17 2013 $149,660.57 $530.05 $232.46 $149,428.11 $530.05 26 2 17 2013 $149,428.11 $529.22 $233.28 $149,194.83 $1,059.27 27 3 17 2013 $149,194.83 $528.40 $234.11 $148,960.72 $1,587.67 28 4 17 2013 $148,960.72 $527.57 $234.94 $148,725.78 $2,115.24 29 5 17 2013 $148,725.78 $526.74 $235.77 $148,490.01 $2,641.98 L7 Q� �`� "'`�`�l 30 6 17 2013 $148,49Q.01 $525.90 $236.60 $148 253.41 $3 167.88 `7 I� I c�G I 3 31 7 17 2013 $148,253.42� $525.06 $237.44 $148,015.96 $3,692.94 32 8 17 2013 $248,015.96 $524.22 $238.28 $147,777.68 $4,217.17 PAGE 1 � � �� . r MN PYMT DATE BEGINNING ENDING CUMULATIVE NO MO DAY YEAR BALANCE INTEREST RINCIPA BALANCE INTEREST YR 33 9 17 2013 $147,777.68 $523.38 $239.13 $147,538.55 $4,740.55 34 10 17 2013 $147,538.55 $522.53 $239.97 $147,298.58 $5,263.08 35 11 17 2013 $147,298.58 $521.68 $240.82 $147,057.75 $5,784.76 36 12 17 2013 $147,057.75 $520.83 $241.68 $146,816.08 $6,305.59 37 1 17 2014 $146,816.08 $519.97 $242.53 $146,573.54 $519.97 38 2 17 2014 $146,573.54 $519.11 $243.39 $146,330.15 $1,039.09 39 3 17 2014 $146,330.15 $518.25 $244.25 $146,085.90 $1,557.34 40 4 17 2014 $146,085.90 $517.39 $245.12 $145,840.78 $2,074.73 41 5 17 2014 $145,840.78 $516.52 $245.99 $145,594.79 $2,591.25 42 6 17 2014 $145,594.79 $515.65 $246.86 $145,347.93 $3,106.90 43 7 17 2014 $145,347.93 $514.77 $247.73 $145,100.20 $3,621.67 44 8 17 2014 $145,100.20 $513.90 $248.61 $144,851.59 $4,135.57 45 9 17 2014 $144,851.59 $513.02 $249.49 $144,602.10 $4,648.58 46 10 17 2014 $144,602.10 $512.13 $250.37 $144,351.72 $5,160.71 47 11 17 2014 $144,351.72 $511.25 $251.26 $144,100.46 $5,671.96 48 12 17 2014 $144,100.46 $510.36 $252.15 $143,848.31 $6,182.32 , 49 1 17 2015 $143,848.31 $509.46 $253.04 $143,595.27 $509.46 50 2 17 2015 $143,595.27 $508.57 $253.94 $143,341.33 $1,018.03 51 3 17 2015 $143,341.33 $507.67 $254.84 $143 086.49 $1,525.70 52 4 17 2015 $143,086.49 $506.76 $255.74 $142,830.75 $2,032.46 53 5 17 2015 $142,830.75 $505.86 $256.65 $142,574.10 $2,538.32 54 6 17 2015 $142,574.10 $504.95 $257.56 $142,316.54 $3,043.27 55 7 17 2015 $142,316.54 $504.04 $258.47 $142,058.07 $3,547.31 56 8 17 2015 $142,055.07 $503.12 $259.38 $141,798.69 $4,050.43 57 9 17 2015 $141,798.69 $502.20 $260.30 $141,538.38 $4,552.63 58 10 17 2015 $141,538.38 $501.28 $261.23 $141,277.16 $5,053.92 59 11 17 2015 $141,277.16 $500.36 $262.15 $141,015.01 $5,554.27 60 12 17 2015 $141,015.01 $499.43 $263.08 $140,751.93 $6,053.70 PAGE 2 � ( � lo ACNB BANK August 27, 2013 Martson Law Offices Attn: Melissa A Scholly lOEHighSt Carlisle PA 17013 RE: Estate of Doris S Guarini Dear Ms. Scholly: The following information is being provided as per your request: Acct. Type Account No. Balance at Accrued Ownership Date D.O.D. Interest to Opened/Joint D.O.D. Esteem 224383 $28,143.81 $1.03 [ndividual 9/20/89 Checking Account FNB 9636366 $38,457.22 $0.32 tndividual 9/1/99 Passbook Safe Deposit 803/00441 Individual 10/13/71 Box (Newville Office) Inquiries concerning ACNB Corparation stock information should be directed to the Registrar and Transfer Com�any at 1-800-368-5948. If you need any additional information, please contact me at(717)339-5122. Sincerely, �n /� � ( ? r > r k , k J ��`C� i��: `;�� f i.c. �c��,.�._ t v ..,` t Barbara J Warn,er :`�� ACNB Bank i Deposit Services Representative II S ch. � , T�-e�v-�s I �n� �l acnb.com • acnbbusiness.com • P.O.Box 3129,Gettysburg,PA 17325 •Phone 717334.3161 •Toll Free 1.888.334.A�N6(2262) FROM :CORNERSTONEFCU FAX ND. :71724982a8 Aug. 21 2013 03:1aPM P2 �QRNERSTaNE p0.Bax I IBI,5 Eastgate Drivc,Carlisfe,PA I70I5 � F <� cl e r ;z I C r e cl i t i.l r, i c-� r� Telephone (717) 249-1661 FAX (717j 249-8206 Memhc'�^fvu»�led - ,S"c�r�vic'e bc�sc:'il www.cornerston�fcu,coop August�.�, 2013 Martin Law Offices 10 East High Street Carlisle PA 170�-3 R�: The Estate of Darls Guarinl Dear Melissa: At the time of her death, Doris Guarini had a single owned account. M�na�ed by SterHng Property Managemenfi Inc. I,isted below is the Informatian yau have requested in yaur letter dated August 15, 2013; �,) The type and number of each account: Savings account number 243740�and Checking account number 24374-07 2) Date of death balance and accrued interest: Savin�s-$25.5$ No accrued interest Checking-$8340.93 interest$ 1.15 3)pwnershlp was a single account. Managed by Sterling Property Management Inc. 4)Account was opened: 5avings 06/04/24Q8 Checking 06/04/2008 If you require any further information, please ca#I me at 717-249-1661, ext 25�. Slncerely: �,�,y� (��.�� , � Clndy Willhide Financial Service Representative MEMS�R SAVINGS ACGOUNTS FEDER�LLY INSURED TQ $250,000 BY THE NATIONAL CREDIT UNION ARMINISTRATION C��h. C , i��m S �3 c��t y Gstate Valuation Date o£ Death: 07/09/'1013 Estate oE: Doris Guarini Valuation Date: 07/04/2013 Account: 910-899985 Processing Date: 07/12/2013 Report Type: Date of Death Number aC Securities: 3 File ID: Guarini 41Q-894985 Sbares Security Mean andlor Div and Int Security or Par Description High/Ask Low/Bid Adjustments Accrunls Value 1} 6Al2,87 Cash ICASFI) 6,412.87 _ _ _ _ _._. ___ __ ..__ _ __. _ . _ _ __ _ _. _ _ 2) 1416.89 INCOMB FD AMGR INC (A533203�1; II'ACX) CL C Murual Fund (as quoted by NASDAQ) 07/03/2013 18.86000 MkC 18.860000 26,722.55 3) 13000 GOLDMAN SACHS HK USA NY (36193AUL7) Inl:eraclive Data Corporation DTD: 06/13/2012 Mat; 06/13/'L014 0,6$ OT/03/2013 100.11100 MkC 07/OS/2013 100.12500 A!e 100.118060 13,015.34 int: 06/13/2013 to 07/09/z013 5.98 Note: Put Option on DOD Total Value; $96,150.7G Total Accxual; 55.9@ Total; $46,156.'19 Page 1 This report was produced wiLh GstateVal, a product oi Eslale Valualions & Pricing Systems, Tnc. If you have quesCions, please conCact CVP Syslems al {818) 313-6300 or www.evpsys.cnm. (Revision 7.3.1) ��. � , �-`�C m �