HomeMy WebLinkAbout02-27-14 . , . y � � � � � � �� �. �
� 1505b1D143
� REV-'15Q� EX(02-11}�
OFFICIAL U8E ONLY
PiA Department of Revenue p8nnsylvaMa couMy code rear �ia rtimeer
Bureau ot{ndividual Taxes °�"'�"B"*�"�1°"p
' PO BOX.280801 IMHERRANGE TAX RETURN 21 13 Ofi9Q
Harrisburg,PA 1T128-0801 RESIDENT DECEDENT
ENTER DECEDENT IN�ORMATI4N B�LOW
Social Security Numbet Date of Death Date of 9f�th
. 06 04 2013 06 17 1�31
DecedenYs Last Name Suffix DecedenYs Fhst Name MI ;
WATTS ELI&ABETB E �
� tif,4pplicable�EMer Surviving Spousa'a Information Relow
' Spouse's Last Name SufAx 5pouse's First Name M{
Spouse's Social Security Number TH13 RETURN MUST BE FILED IN DUPLICATE WITH 7HE
REGISTER �F WILLS
� FILL IN AkPPROPRWTE OVALS BELOW
i � 1. Original Retum � 2. Supplemenial Retum � 3. Remeinder Retum(Dabs of Death
Prior to 12-43-82)
� 4. Limlted Estate � 4a.��a��aomp�omlee � 5. Federal Estate Tax Reium RequNed
12-12�2)
� d' (Atte�oh C p�y�of 4N@ Il�e ❑ 7. p����"��a t.tving Trusl S. 'Total N�pnber of Safe DepoBR Boxes
� 9, LkfgaUon Prooaeds Received � 10.���,���,,,�4.���f Daem � �q,Eledion to tax under Sec.8113(A)
(Att8d1 SChedule O)
CORFtE8PONOFN7-THIS SEC'fION MUST B$COMPLETED.AU.CqRRESPONDENCE AND CONFIDENTIAL 7AX INFORMATION SHOULD BB DIRECTED TO:
Name Daytime Telephona Numbe�
SEAN M SHULTZ 717 243 6222
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REGI37ER OF Wtl.L'S.U3E Ol�kl� —_ ^_;
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First Line of Address -�--r -
2 6 W HIGH 3TRELT -� ' ,,
3econd Line of A►ddress `� ;_,,,� "_ ;�
, � � ._,��;i
`r_=
'' DATE FILED Iti:
' City or Post Offlce State ZIP Code
Cp�gY,=�yyr PA 17013
I Corresponderrt's e-rnail address: dhockenberrv ssr-attorne com
� under penattlea ol perjury i dedare Viat I have examined Uas retum induding aocom rig dules an�at�ments,snd to the best o(my knowledge and belief,
i If is true,correct and oomplete.Deciaratbn of preparer other lhan the personal reptas�We�Waed on all Information of whlch pceparer has any knrnv�edee.
SI�RE OF PERSON RESPONS�FOR FILINfi RETURN DA7E
Ton a Ka Watts Brown ot.s � '"�
, RDDRESB
� 108 Slover Road,Mechanicsburg�PA 77055
SIGNATURE OF PREPMER OTHER N REPR�SENTATNE ��
' -�.-..�/L1 c :_., _.�` _ Sean M.Shultz �- Z 7 /
i ADDR�SS _ �
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26 W High Street, Carlisle, PA
� Side 1 J
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REV-1500 EX Page 3 File Number 21-13-0690
Decedent's Complete Address:
DECEDENT'S NAME
Watts, Elizabeth Ester Lloyd
STREETADDRESS
834 Grantham Road
CITY STATE ZIP
Grantham PA 17027
Tax Payments and Credits:
1. Tax Due(Page 2,Line 19) (1) 28,392.58
2. Credits/Payments
A. Prior Payments 29,000.00
B. Discount 1,450.00
Total Credits(A +g) (2) 30,450.00
3. Interest �3)
q, if Line 2 is greater than Line 1 +Line 3,enter the difference. This is the OVERPAYMENT. (4) 2,057.42
Check box on Page 2,Line 20 to request a refund
5. If Line 1 +Line 3 is greater than Line 2,enter the difference. This is the TAX DUE. (5)
Make Check Pa able 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:............................................................................... ❑ ❑X
b. retain the right to designate who shall use the property transferred or its income:.................................. ❑ 0
c. retain a reversionary interest;or................................................................. .............................................
. x
d. receive the promise for life of either payments,benefits or care?............................................................ ❑ 0
2. If death occurred after Dec. 12, 1982, did decedent transfer property within one year of death without
receiving adequate consideration?.................................................................................................................... � ❑
3. Did decedent own an"in trust for" or payable upon death bank account or security at his or her death?....... ❑ �x
4. Did decedent own an individual retirement account,annuity,or other non-probate property which
contains a beneficiary designation?.................................................................................................................. 0 ❑
IF THE ANSWER TO ANY OF THE ABOVE QUESTIONS IS YES,YOU MUST COMPLETE SCHEDULE G AND FILE IT AS PART OF THE RETURN.
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For dates of death on or after July 1,1994 and before Jan. 1,1995,the tax rate imposed on the net value of transfers to or for the use of the surviving spouse
is 3 percent[72 P.S.§9116(a)(1.1)(i)].
For dates of death on or after January 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[72 P.S.§9116(a)(1)�.
. The tax rate imposed on the net value of transfers to or for the use of the decedenYs siblings is 12 percent[72 P.S.§9116(a)(1.3)]. A sibling is defined,
under Section 9102,as an individual who has at least one parent in common with the decedent,whether by blood or adoption.
Rev-1502 EX+�07-10)
SCHEDULE A
pennsylvania REAL ESTATE
DEPARTMENT OF REVENUE
INHERITANCE TAX RETURN
RESIDENT DECEDENT
ESTATE OF FILE NUMBER
Watts, Elizabeth Ester Llo d 21-13-0690
All real property owned solely or as a tanant In common must be repoRed at fair market value.Fair market value is defined as the price at which property wou�d be
exchanged between a willing buyer and a willing seller,neilher being wmpelled to buy or sell,both having reasonable knowledge of the re�evanl facls.
Real property that Is jointlyowned with right of survivorship must be disclosed on schedula F.
Attach a copy of the aettlement sheet if the property has been aold
Include a copy of the deed showing decedanYs interest iT owned as tenant in common.
ITEM VALUE AT DATE
NUMBER DESCRIPTION OF DEATH
1 826 Grantham Road,Grantham, PA-See attached appraisal dated July 3,2013 115,000.00
2 834 Grantham Road, Grantham, PA-See attached appraisal dated July 3,2013 175,000.00
TOTAL(Also enter on Line 1, Recapitulation) 290,000.00
(If more space is needed,additional pages of the same size)
Copyright(c)2010 form software only The Lackner Group,Inc. Form PA-1500 Schedule A(Rev.01-10)
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BASSETT APPRAISAL SERVICES
Flle No.13-154
APPRAISAL OF
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Summary Appraisal Report
LOCATED AT:
826 Grantham Road
Grantham,PA 17027
FOR:
Sean M.Shultz,Esquire
26 West High Street
Carlisle,PA 17013
BORROWER:
N/A
AS OF:
July 3,2013
BY:
William A.Bassett
PA General Certified Appraiser/PA-GA001618L
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BASSETT APPRAISAL SERVICES
Fde No.13-154
July 8,2013
Sean M.Shuttz,Esquire
26 West High Street
Cariisle,PA 17013
file Number: 13-154
Dear Sir or Madam:
In accordance with your request,I have appraised the real property at:
826 Grantham Road
Grantham,PA 17027
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 July 3,2013 is:
$115,000
One Hundred Fifteen 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.
Sincerely yours,
'1�]�U.�C�.t������.1�;
William A.Bassett
PA General Certified Appraiser/PA-GA001618L
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' ASSETT APPRAISAL SERVICES
Uniform Residential Appraisal Report FlIeNa 13-154
The ur ose of this summar a reisal re ort is to rovide the lenderlclien[with an accurate,and ade ua[ei su orted,o inion of[he market value of the sub'ect ro ert.
v e aadress 826 Grantham Road C Grantham s�a�e PA zi Code 17027
Borrmver N/A Own�otPublicRecord CI de/Elizabeth Watts Coun Cumberland
ai Dexri �n See L al Descri tion
AssessorsParcel� TaxID42-31-2151-038 7axYear2013 RE.Taxesf 1850
Nei hborhood Name U er Allen Townshi Ma Reference 31-2151 Ce�us Traa 0116.05
Owner TenaM VacaM S ecialAssessmerns 5 0 PUD HOAS O er ar ermonth
�� Pro Ri hts aised Fee Sim le Leasehold Other describe
Assi nmentT PurchaseTrensacuon RefinanceTransaaion X Other describe Estate
LenderlClient Sean M.Shultz Es uire pddress 26 West Hi h Stree Carlisle PA 17013
Is the sub'ect ro currentl ofiered fa sale a has it been ofiered fw sale in the nveNe months 'w W the efiective date of this a aisal7 Yes No
Report dala source(s)used,ottering price(s),and date(s).
I did did not analyze the convact for sale fa the subjeU purchase transaction.Ezpiain the rewlts of Ihe analysis ot the wntract fa sale a why the analysis was not performed.
Contran Price i Date of Convact Is the ro setler the owner of ublic recard? Yes No Data Sowce s
Is there any financial assistance(ban charges,sale concessions,gift a downpayment assistance,etcJ to be paid by any party on behalf oFNe borrowe(1 Yes No
� If Yes,report the total dollar amoun[and desuibe the�tems to be paid.
Note:RaceanEtheraelaleom osidonofMenei hborhoodarenota raisalfactors.
' _.@...�9.�_ �....:� .. .<.- _. _. . . _��.. . 4=':.,.' . . ,... .. .«.�... ....� : .. .. �..;: . .
Laatlon Urban Suburban Rural Pro Values Increasin X SWble Declinin PRICE AGE One-Unit 70%
� Built-U Over75% 25•75% Under25% Demand/Su I Shona e InBalance OverSu f000 2-4Unit %
� G�owth Ra id X Stable Slow Marketl Time Under 3 mths X 3-fi mths Over 6 mths 100 Low 30 Muhi-Fam1 %
, Neignbomooa Boundaries Lisbum Road to the north Mill Road to the east Siddonsbu Road to 200�i n 80 Commerciai %
' the south L isiative Route 15 to the west. 160 Pred. 40 o�ner Vacant 30%
Neignborhood�esuipuon See Attached Addendum
Market Cor�tions(ncluding wpport tor me above conc�usions) Pro e values are currenU stable to sli htl increasin . interest rates ran e between 3
to 5 er cent for conventional FHA and VA financin within the locai market area. The local market conditions a ear to show a
stead flow of sales within the ast three months..
Dimensbns See L ai Descri tion area 6970 sf Sna e Irr ular view N•Res•
S ecirc 2onin qassiricauon VR-Villa e Resiential lonin oescri 'on Medium Densi Residential Develo ment
Zonin Com liance Le al al Noncror�ormi GrandfaNered Use No Zonin III al desaibe
Is the highest and best use of the wbject property as improved(or as proposed per plans and specifications)the present use� Yes No If No,describe.
Utilities Public Other Eescrihe) Public Other(Cescribe OR-sitelm rovements—T e Publie PrWate
Elecma X water Sveet MaCadam
Gas Sanita Sewer Alle None
FEMA S cial Fbod Hazard Area Yes X No FEMA Flood Zone X FEMA Ma S 42041 CO269E FEMA Ma Date 03/16/2009
Are the wl�ies arb off-sfte im ments ical fa Ihe market area7 X Yes No If No,descn'he.
Are there any adverse site caidiBons a extemal facrors(easements,enaoachmenls,emironmenWl conditions,land uses,etc.)1 Yes No If Yes,describe.
. ,,, x.. �. ,
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Units X One One with Acce Urnt Contrete Siab Crawl 5 ace Famdauon Walls COnCBIk/Averd 9 Floors C t/Hdw/AV
!ot Stories 1 X Full Basement Partial Basement Exteria Walis �n VAv Wads D all/Av
T Det Att S-DetJEndUnit BasemerrtArea 886 .R RoofSwface Shin 16/Av TrimfFinish WoOd/Av
�X ExisU Pro sed Under Const. Basemern Finish 0%� Gutters&Down uts AIUm/Av �Bath Floor Vip UC8 t/Av
Desi n 5 le Raneh OutsideEn IExd Sum Pum WindowT ThBmoDH/Good BathWainsca C6rdmiC/Av
Year Built 1965 Evidence of Infestation Stam Sashlinsulated NO/Y6S Car S[wa None
EfFectiveA e rs 10 Dam ness Settlement Screens YeS X Dfivewa tofCars 2
ANC None Heatin FWA� HWBB Radiant AmeniUes WoodStove s SO Drivew Surrace Macadam
Dro $tair Stairs ane�FHA FuelOil Fire laces i0 fenceNo�B Gare e tofCars 0
Fioor X Scuttle Caolin X Cenval Air Conditionin X PatiolDeck R� Porch Fro�t Ca rt i of Cars 0
Fnished Heated Individuai OtherNone Pool NOnO aner None AI4 Det Buil[-in
A Gances Ref' rator X�Ran rJOven X Dishwasher Dis sal Microwave Washed er Other describe
Finished area above rade conWins: 5 Rooms 2 Bedrooms 2.0 Bath s 886 S are Feet of Grass Livin Area Above Grade
Addrtional features(spedal energy�deM�tems,etcJ. Front Covered orch rear deck
� Desaibe the condition otthe properry pncluding needed repairs,det�ioration,renovatlons,remodelirn�,etc.). C3'No u dates in the rior 15 ears'The inte�or of the
sub'ect ro e is in avera e to ood condftion.Pro e has been u dated over the ast 15 ears.
Are there any physical deficiencies or adverse conditlons Ihat afiec[the livabiliry,saundness,ar structural iMegriry of the property? Yes No If Yes,describa
Does the property generally confam W the neighborhood(functional utliity,style,condition,use,construc[ion,etc.)1 Yes No If No,desaibe. -
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Page 1 ot 6
� ASSETT APPRAISAL SERVICES
Uniform Residential Appraisal Report Fi�eNo. 13-154
There are 2 tom arable o tes curren �fered fw sale in ihe su'ect nei hbahoad ron in in 'ce from S 110 000 to S 129 900
There are 8 cam arable safes in the sub'ect ne hborhood within Ne st tweNe rtronths ra in in sale 'ce from S 115 000 to S 134 000
FEATURE SUBJECT COMPARABLESALE N0.1 COMPAR4BLESALE N0.2 COMPARABLE SALE N0.3
826 Grantham Road 119 East Marble Street 303 East Portland Stret 405 West Marble Street
aadress Grantham PA 17027 Mechanicsbur PA 17055 Mechanicsbur PA 17055 Mechanicsbu PA 17055
Proximi to Sub'ect N/A N/A N/A
Sale Price f f 120 000 S 115 000 f 118 000
sale Piicdc�ross I.iv.Area S 0.00 .R E 94.79 .ft. f 109.32 s.R S 113.90 .2
Data Saurce s CPML#10230887•DOM 80 CPMI#10232045'DOM 11 CPML#10225091'DOM 53
verificauon Source s Court House Records Court House Records Court House Records
VALUEADJUSTMENTS OESCRIPTION DESCRIPTION .�-�s DESCRIPTION .�-�sna DESCRIPTION .-s mev
Sale or Financing ArrttLth ArtnLth ArmLth
Concessions Conv3000 Conv0 FHA•4000
DateMSal�me s03/13•c02/13 s02/13'c01M3 s10/12•c08/12
tocauon N•Res N•Res N•Res• N•Res
LeasenoidlFeeSim ie Fee Sim le Fee Sim le Fee Sim le Fee Sim le
Ste 6970 sf 6970 sf 6098 sf 0 8276 sf 0
view N•Res MRes MRes MRes
Desi n S e Ranch Ranch 0 Ranch Ranch
Qual of Conswction Q3 Q3 Q3 Q3
Hcnial A e 48 87 2 000 59 0 68 U
Condtion C3 C3 C3 C3
Above Grede rad eemz enms row emms eaun Taa sems sams r,iy eams gems
Room Count 5 2 2.0 5 2 1.0 2 000 6 3 1.0 2 000 6 3 1.0 2 000
Gross t;vi area 15 886 .R 1 266 .ft -5 700 1 052 .ft -2 490 1 036 .R -2 250
easemenc a Finisnea 886sfOsfllnk 1266sfOsfin 0 1052sf231 sfin 0 1036sf400sfin 0
Rooms Beiow Grede 1 rrObr9.Oba0o -2 000 OrrObrO.Oba10 -2 000
Functional Util' Avera e Avera e Avera e Avere e
- Heatln Coolin OFHA/CA GFHA/CA 0 GFHA/CA 0 GHWBB/None 1 500
.
• Ene EfficienF Items T ical T icai T ical T ical
� Gara e1Ca rt 2 Car Drivewa 1 Car Gara e -2 000 1 Car Ca ort -1 000 2 Car Drivewa
PorchJPatiolDeck FrPch Rear Dedc Fr/RdPorch 0 Poroh/Patio 0 FdRr Porch 0
� Other None None None 1 F/P -2 000
� NetAdustment aa + X- S 3 700 + S 3 490 + f 2 750
�ustedSalePrice NetAdj. -3.1% NHAdj. -3.0% NetAdj. -2.3%
- otCom arables Cxoss . 9.8% S 116 300 Gross . 6.5% S 111 510 Gross . 8.3% S 115 250
I did did na research the sale or transfu history of the subjea properry and comparoble saies.If no4 explain
M research did dd na reveal an 'a sales or transfers of tl�e sub'ec[ ro e for the Nree ars rior lo[he eBective date ot this a raisal.
oaw source s Court House Records
M research did did not reveal a or sales a transfers of the com rable sales fa the ear rior ta the date af sale of the com arable sale.
na�a source s Court House Records
-Re rt the results of[he research and ana is of the ior sale ar transfer hist of the sub'ec[ a and wm arable sales re R additional ria sales on 3.
REM SUBJECT COMPARABLE SALE N0.7 COMPARABLE SALE N0.2 COMPARABLE SALE N0.3
Date of Prior Sale/iransfer 05/29/2012
Price of Prior SalrJTranster $126 000
Daw 5owce s Ct Hs Rec. Ct Hs Rec. Ct Hs Rec. Ct Hs Rec.
Efienive Date ot Data Saurce s 07/07/2013 07/07/2013 07l07/2013 07/07/2013
Analysis of prior sale w transfer histary of Ne su6ject property and comparable sales The sub'ect ro e has not sold or been listed within the ast 3 ears.
The com arables sales have not sold or been listed the ear rior to the cuRent sale exce t for Com arable No.1.
Summary at Saies Comparison Approacn. The sub'ect ro e is located within the U er AIIen Townshi area. After a search within the lopl
nei hborhood and townshi there were no sales within close roxim' of the sub'ect ro e . Therefore I searched the Borou h of
Mechanicsbu which borders the northwest comer of U er Allen Townshi . Pro erties simlar to tMe sub'ect ro e as to size and
util' were located and trtilized. The ran e of the ad'usted sale rice is$111 510 to 116 300. I reconciled the value at$115 000.
Indcated Value b Sales Com rison oach S 115 000
IndicatedValueb: SalesCom ar(sonA roaehf115000 CostA roachC�develo f 0 IncomeA roaeh iftleveb e f 0
Maricet Anal sis consistentl su orts m estimated market value. GRM and Cost Anal sis was found ina o riate for this anal sis.
Greatest wei ht is a lied to the Market Data Anal sis. Su ortin file information substantiates these estimates.
' This appraisal is made 'as is; subjea W completion per plans and specificaGons on the basis of a hypothetical condition that the improvements have been completed,
❑subjea W the following repairs ar alte2tlons on the basis of a hypothetical co�[ion that the repairs or ahera[ions have been completed,or ❑subject W 1he tolbwirg required
• inspecrion based on the ezVaordinary a5sumpCwn[hat Ne conditlon or deficiency dces rwt require alteraGon a repair. The sub'ect f0 @R was e reiSBd In AS IS
Condition and is valued for mort a e u oses onl .
Based on a complete visuat inspection of the interior and exterior areas of the subjeet praperty,defined seope otwork,statementof assumptions and Iimiting
eonditions,and apprafsar's eenifieation,my(our)opinion o(the market value,as deTined,of the real property that is the subJeet ofthis report is f ��5,���
aso! 07/03/2013 .whichisthedateotins ionanetheaHectivedateotth�sa raisa�.
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Bassett Appraisal Services
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' ASSETT APPRAISAL SERVICES
Uniform Residential Appraisal Report FlIeNo. 13-154
Extra Comments
SCOPE OF APPRAISAL AND URAR SPECIAL LIMITING CONDITIONS:
-This a raisal is not a home ins ection and the a raiser is not actin as a home ins edor when re arin the re ort.When
erfortnin the ins ection of this ro e the a raiser visuall observed areas that were readi accessible.The a raiser is not
re uired to disturb or move an in that obstruct access or visibili .The ins ection in not technicall exhaustive.The ins ection does
not offer warranties or uaranties of an kind.
Sco e of A raisal and URAR:Su lementa�Certifications:
1 ceRi that
This COMPLETE APPRAISAL-SUMMARY APPRAISAL REPORT was re ared b William A.Bassett for the exclusive use of Sean
M.Shultz Es uire in estimatin market value.Estimated market value is the most robable rice in tertns of cash or in tertns of
financial arran ements e uivalent to cash.Sean M.Shultz Es uire is considered to be m dient.The information and o inions
contained in this a raisal set forth the a raisers best'ud ement in li ht of the InformaGon available at the time of the re aration of
this re ort.An use of this a raisal b an other erson or enti or an reliance or decisions based on this a raisal are the sole
res onsibili and at the sole risk of the third a .I acce t no res onsibili for dama es suffered b an third a as a result of
reliance on or decisions made or actions taken based on this re oR.
-In m o inion the reasonable ex osure time linked to the value o inion is u to 180 da s.
I further certi that to the best of m knowled e and belief:
� -The statements of fact contained in this re ort are true and correct.
-The re orted anal ses o inions and conclusions are Iimited onl b the re orted assum tions and limitin conditions and are m
ersonal im artial and unbiased rofessionai anal ses o inions and conclusions.
• -I have no resent or ros ective interest in the ro e that is the sub'ect of this re ort or to the arties involved with this assi nment.
. -M en a ement in this assi nment was not contin ent u on develo in or re ortin redetermined results.
- -M com ensation for com IeBn this assi nme�t is not contin ent u on the develo ment or re ortin of a redetermined value or
direction in value that favors the cause of the client the amount of the value o inion the attainment of a sti ulated resutt or the
occurrence of a subse uent event directl related to the intended use of this a raisal.
-M anal ses o inions and conciusions were develo ed,and this re ort has been re ared in confortni with the Unifortn Standard
of Professional A raisal Practice.
-I have made a ersonal ins ection of the ro e that is the sub'ect of this re oR.
-No one rovided si nificant rofessional assistance to the si ner of this re rt.
-William A.Bassett re ared this re ort.
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Provide ade uate infwmapon for the lenderlclient to re rcate the below cost fi ures and calculations.
Suppart ta the opinion of site value(wmmary af comparable land sales w other methods for estimating site value)
ESTIMATED REPRODUCTIONOR REPLACEMENTCOSTNEW OPINIONOFS(TEVALUE........................................-E
� Source ot cost data Dwe�lin 886 .Ft�S .............S 0
: Qua i ratin hom cost service Eftective date of cost data BSmt:886 S.FL�f .............f 0
- Comments on Cosl A ach ross livin area calculations,de reciation,etc.
The Cost A roach wlll enerall result in an excellent estimate of Gara Ca rt 444 S.Fc.�s ............-S 0
value ff the buildfn fs new or reasonabi new and the Total Estlmace of Cost-New ............�f 0
im rovements reflect the hi hest and best use of the land. �ess 50 P kai FuncGonai Eztemal
However when items of h sical de reciation must be estimated De recia�ion -S 0
an area of'ud ement is involved which is sub'ect to error.The De recfated Cast of Im ovemen�s................................-S 0
Cost A roach was not utilized due to the a e of the sub'ect 'Its-is ValueorSite Im ovemencs..........................:......S
Estimaled Remainin Ecorromic Life UD and VA onl 40 Years INDICATED VALUE BY COST APPROACH...................... �f 0
1`I�._.M�►':�.,ROA_. .�(Q„FvTAC, no.:: ed,. , me _..e.. .,
� Esumated Nbnth Market Rent S X Gross ReM Multl lier =f Inditated Value Incame. roach
Summaryafl�xomeApproach(inGudingsupponformarketrentandGRAp Due to Ule sub'eCf bein a sin le fdmil residenCe the rental amountS fortFlis
ro e would not be an a ro riate anal sis to determine market value.
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Is the develo Ibuiider in wntrol of the Homeowners Assaiation OA 7 Yes No Unit e s Detached Anadied
Provide the followin i�ormation for PUDs ONLY H the develo r�u7der fs in conVOl o/the HOA and[he wb'ect ro e is an attached dwelli unit
L al name oI � N/A
Total number of hases Total number of un'rts Total number of unils sold
� To[al number of units rented Total number of units(or sale Data swrce s
Was the o'ett aea[ed b the cornersion of an existln buiidin s into a PUD7 Yes No If Yes,date of comersbn
. Does the ro contain an mulU-0wNli units7 Yes No Data source s
Are the un'rts,common element5,and recreaUon facBiUes complete7 Yes No If No,desrnbe[he status of wmpletion.
Are the common elements leased ro w by Ne Homeowners'Assaiatlon7 Yes No If Yes,descnbe the rental terms and aptions.
Desvibe common elements and recreational faciliues.
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Uniform Residentiai Appraisal Report F1eNo. 13-154
This report form is designed to report an appraisal of a one-unit property or a one-unit property with an accessory unit;including a
unit in a planned unit development(PUD). This report form is not designed to report an appreisal of a manufactured home or a unit
in a condominium or cooperative projed.
This appraisal report is subject to the following scope of work,intended use,intended user,definition of market value,statement of
assumptions and limiting conditions,and certifications. Modifications,additions,or deletions to 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 the complexity of this appraisal assignment. Modificatlons or
deletions to the certifications are also not pertnitted. However,addi6onal ceRifications that do not constitute materfal alteraUons
to this appraisal report,such as those required by law or those related to the appraiser's continuing education or membership in an
appraisal organization,are permitted.
SCOPE OF WORK: The scope of woric for this appraisal is defined by the complexity of this appraisal assignment and the
reporting requirements of this appraisal report fortn,including the foliowing definition of market value,statement of assumptions
and limiting conditions,and certifications. The appraiser must,at a minimum:(1)perform a complete visual inspection of the
interior and exterior areas of the subject property,(2)inspect the neighborhood,(3)inspect each of the comparabte sales from at
least the street,(4)research,verify,and analyze data from reliable public and/or private sources,and(5)report his or her analysis,
opinions,and conclusions in this appraisal report.
INTENDED USE: The intended use of this appraisal report is for the lendedclient to evaluate the property that is the subject of
this appraisal for a mor�qage finance transaction.
INTENDED USER: The intended user of this appraisal report is the lender/client
DEFINITION OF MARKET VALUE: The most probable price which a property should bring in a compefitive and open market
under all conditions requisite to a fair sale,the buyer and seller,each acting prudently,knowledgeably and assuming the price is
not affected by undue stimulus. Implicit in this definition is the consummation of a sale as of a specified date and the passing of
titie from seller to buyer under conditions whereby:(1)buyer and seller are typically motivated;(2)both parties are we�l informed
or well advised,and each acting in what he or she considers his or her own best interest;(3)a reasonable Ume is allowed for
exposure in the open market;(4)payment is made in terms of cash in U.S.doliars or in terms of financial arrangements
comparable thereto;and(5)the price represents the normal consideration for the property soid unaffected by special or creative
financing or sales concessions"granted by anyone associated with the saie.
*Adjustments to the comparables must be made for special or creative financing or sales concessions. No adjustments are
necessary for those costs which are normaliy paid by sellers as a result of tradition or law in a market area;these costs are readily
identifiable since the seller pays these costs in virtualiy all sales transactions. Special or creative financing adjustments can be
made to the comparable property by comparisons to financing terms offered by a third party institutional Iender that is not already
invoNed in the properly or transaction. Any adjusUnent should not be calculated on a mechanical dollar for dollar cost of the
financing or concession but the doliar amount of any adjustment should approximate the markeYs reaction to the financing or
concessions based on the appraiser's judgment.
STATEMENT OF ASSUMPTIONS AND LIMITING CONDITION�: The appraiser's certification in this report is subject to the
following assumptions and limiting conditions:
1. The appraiser will not be responsible for malters of a legal nature that affect either the property being appraised or the tiUe
to it,except for irtformation that he or she became aware of during the research invotved in performing this appraisal. The
appraiser assumes that the tiUe is good and marketabie and wili not render any opinions about the title.
2. The appraiser has provided a sketch in this appraisal repoA to show the approximate dimensions of the improvements. The
sketch is included only to assist the reader in visualizing the property and understanding the appraiser's determination of its size.
3. The appraiser has examined the available flood maps that are provided by the Federal Emergency Management Agency(or
other data sources)and has noted in this appraisal report whether any portion of the subject site is located in an identified Special
Flood Hazard Area. Because the appraiser is not a surveyor,he or she makes no guarantees,express or implied,regarding this
determination.
4. The appraiser wili not give testimony or appear in couR because he or she made an appraisal of the property in question,
unless specific arrangements to do so have been made beforehand,or as othenvise reGuired by law.
5. The appraiser has noted in this appraisal repoR any adverse conditions(such as needed repairs,deterioration,the presenCe of
hazardous wastes,toxic substances,etc.)observed during the inspection of the subject property or that he or she became aware of
during the research involved in performing this appraisal. Unless othervvise stated in this appraisal report,the appreiser has no
knowledge of any hidden or unapparent physical deficiencies or adverse conditions of the property(such as,but not limited to,
needed repairs,deterioretion,the presence of hazardous wastes,toxic substances,adverse environmental conditions,etc.)that
would make the property less valuable,and has assumed that 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 e�tist or for any engineering or
testing that might be required to discover whether such conditions exist Because the appraiser is not an expert in the field of
environmental hazards,this appraisal report must not be considered as an environmentai assessment of the property.
6. The appraiser has based his or her appraisal report and vaivation conclusion for an appraisal that is subject to satisfactory
completion,repairs,or alterations on the assumption that the completion,repairs,or aiterations of the subject property will be
perfortned in a professional manner.
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Uniform Residential Appraisal Report FileNo. 13-154
APPRAISER'S CERTIFICATION: The Appraiser certifies and agrees that:
1. I have,at a minimum,developed and reported this appraisal in accordance with the scope of work requirements stated in this
appraisal report.
2. i perfortned a complete visuai inspection of the interior and exterior areas of the subject property.I reported the condition of
the improvements in factual,specific tertns.I identified and reported the physical deficiencies that could affect the livability,
soundness,or structural integrity of the property.
3. I performed this appraisal in accordance with the requirements of the Uniform Standards of Professional Appraisal Practice
that were adopted and promulgated by the Appraisal Standards Board of The Appraisai Foundation and that were in piace at the
time this appreisal repoR was prepared.
4. I developed my opinion of the market value of the real property that is the subject of ttsis report based on the sales comparison
approach to value. I have adequate comparable market data to develop a reliable sales comparison approach for this appraisal
assignment I further certify that I considered the cost and income approaches to value but did not develop them,uniess othervvfse
indicated in this report.
5. I researched,verified,ana�yzed,and reported on any current agreement for sale for the subject properly,any offering for sale
of the subject property in the twelve months prior to the effective date of this appraisal,and the prior sales of the subject property
for a minimum of three years prior to the effective date of this appraisal,unless otherwise indicated in this report.
6. I researched,verified,analyzed,and reported on the prior sales of the comparable sales for a minimum of one year prior to the
date of sale of the comparable sale,unless othervvise indipted in this report.
7. I selected and used comparable sales that are locationally,physically,and functionally the most similar to the subject property.
8. I have not used comparable sales that were the result of combining a land sale with the contract purchase price of a home
that has been built or will be built on the land.
9. I have reported adjustments to the comparable sales that reflect the markeYs reaction to the differences between the subject
property and the comparable sales.
10. I verified,from a disinterested source,all information in this report that was provided by parties 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 market area.
12. I am aware of,and have access to,the necessary and appropriate public 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 the property is located.
13. I obtained the information,estimates,and opinions fumished by other parties and expressed in this appraisal report from
reliable sources that I believe to be true and correct.
14. I have taken into consideration the factors that have an impact on value with respect to the subject neighborhood,subject
property,and the proximity of the subject property to adverse influences in the development of my opinion of market value. I have
noted in this appraisal report any adverse conditions(such as,but not limited to,needed repairs,deterioration,the presence of
hazardous wastes,toxic substances,adverse environmental wnditions,etc.)observed during the inspection of the subject properry
or that 1 became aware of during the research involved in perfortning this appraisal. I have considered these adverse conditions in
my analysis of the property valwe,and have reported on the effect of the conditions on the value and marketability of the subject
property.
15. I have not knowingly withheld any significant infortnation from this appraisal report and,to the best of my knowledge,all
statements and infortnation in this appraisal report are Uue and correct.
16. I stated in this appraisai repoR my own personal,unbiased,and professional analysis,opinions,and conciusions,which are
subject only to the assumptions and limiting conditions in this appraisal report.
17. I have no present or prospective interest in the property that is the subject of this repod,and I have no present or prospective
personal interest or bias with respect to the participants in the transaction. 1 did noYbase,either partially or completely,my
analysis and/or opinion of market value in this appraisal report ort the race,color,religion,sex,age,marital status,handicap,
familial status,or national origin of either the prospective owners or occupants of the subject property or of the present owners or
occupants of the properties in the vicinity of the subject property or on any other basis prohibited by law.
18. My employment and/or compensation for perfortning this appraisal or any firture or anticipated appraisals was not conditioned
on any agreement or understanding,written or othervvise,that I would repoR(or present analysis supporting)a predetermined
specific value,a predetermined minimum value,a range or direction in value,a value that favors the cause of any party,or the
attainment 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 the real estate that were set forth in this appraisal report. If I relied on
significant real property appraisal assistance from any individual or individuals in the performance of this appraisal or the
preparation of this appraisal report,I have named such individual(s)and disclosed the specific tasks performed in this appraisal
report. I certify that any individual so named is qualified to perfortn the tasks. I have not authorized anyone to make a change to
any item in this appraisal report;therefore,any change made to this appraisal is unauthorized and I will take no responsibility for it.
20. 1 identified the lender/client in this appraisal repoR who is the individual,organization,or agent for the organiza6on that ordered
and will receive this appraisal report.
21. The lender/client may disciose or distribute this appraisal repoR to:the borrower,another lender at the request of the borrower,
the mor�qagee or its successors and assigns;mortgage insurers;govemment sponsored enterprises;other secondary market
participants;data collection or reporting services;professional appraisai organizations;any department,agency,or instrumentality
of the United States;and any state,the Distrid of Columbia,or other jurisdictions;without having to obtain the appraiser's or
supervisory appraisers(if applicable)consent. Such consent must be obtained before this appraisal report may be disclosed or
distributed to any other party(including,but not limited to,the public through advertising,public relations,news,sales,or other
media).
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ASSETT APPRAISAL SERVICES
Uniform Residential Appraisal Report FlIeNo. 13-154
22. I am aware that any disclosure or distribution of this appraisal report by me or the lender/ciient may be subject to certain laws
and regulations. Further,I am also subject to the provisions of the Uniform Standards of Professional Appraisal Practice that
pertain to disciosure or distribution by me.
23. The borrower,another lender at the request of the borrower,the mor�qagee or its successors and assigns,mor�qage insurers,
govemment sponsored enterprises,and other secondary market participants may rely on this appraisal report as paR of any
mortgage finance transaction that involves any one or more of these parties.
24. If this appraisal report was transmitted as an'electronic record'containing my"electronic signature;as those terms are
defined in applicable federal and/or state laws(excluding audio and video recordings),or a facsimile trensmission of this appreisal
report containing a copy or representation of my signature,the appraisal report shall be as effective,enforceable and valid as ff a
paper version of this appraisal report were delivered containing my original hand written signature.
25. Any intentional or negligent misrepresentation(s)contained in this appraisal report may result in civii liability and/or criminal
penalties including,but not limited to,fine or imprisonment or both under the provisions of TiUe 18,United States Code,Section
1001,et seq.,or similar state laws.
SUPERVISORY APPRAISER'S CERTIFICATION: The Supervisory Appraiser certifies and agrees that:
1. I directly supervised the appraiser for this appraisai assignment,have read the appraisal repoR,and agree with the appraisers
analysis,opinions,statements,conclusions,and the appraiser's certfication.
2. I accept full responsibility for the contents of this appraisal report including,but not limited to,the appraiser's analysis,
opinions,statements,conclusions,and the appraiser's certification.
3. The appraiser identified in this appraisal report is either a sub-contractor or an employee of the supervisory appraiser(or the
appraisal firm),is qualified to perfortn this appraisal,and is acceptable to perform this appraisal under the applicable state law.
4. This appraisai report complies with the Uniform Standards of Professional Appraisal Practice that were adopted and
promuigated by the Appraisai Standards Board of The Appraisal Foundation and that were in place at the time this appraisal
report was prepared.
5. If this appraisal report was transmitted as an'electronic record"containing my'electronic signature;as those 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 representa6on of my signature,the appraisal eeport shall be as effective,enforceable and valid as ff a
paper version of this appraisal report were delivered containing my original hand written signature.
APPRAISER SUPERVISORY APPRAISER(ONLY IF REQUIRED)
Signature�.�.. r+,.. �j� �,.-. � Signature
Name William A.Bassett Name
Company Name Bassett Appraisal Services Company Name
Company Address 716 West NoRh Street Company Address
Carlisle.PA 17013
Telephone Number 717-241-4961 Telephone N�mber
Email Address wmbassCa�bassettappraisals.com Email Address
Date of Signature and Report 07/08/2013 Date of Signature
Effective Date of Appraisal 07/03/2013 State CeRificafion#
State Certification#GA001618L or State License#
or State License# State
or Other(describe) State# Expiration Date of Certification or License
State PA
ExpiraGon Date of Certification or License 06/30/2015
ADDRESS OF PROPERN APPRAISED SUBJECT PROPERTY
826 Grantham Road ❑Did not inspect subject property
Grantham PA 17027 ❑Did inspect exterior of subject property from street
Date of Inspec6on
APPRAISED VALUE OF SUB,JECT PROPERN$115,000 ❑Did inspect interior and exterior of subject properly
Date of inspection
LENDER/CLIENT
Name COMPARABLE SALES
Company Name Sean M.Shultz,Esquire ❑Did not inspect exterior of compareble saies from sVeet
Company Address 26 West Hiph Street ❑Did inspect exterior of comparable sales from street
Carlisie.PA 17013 Date of Inspection
Email Address
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Uniform Appraisai Dataset Definitions FileNo. 13-154
Condition Ratingsand Definitions
C1 The improvements have been very recently consWCted and have not previously been acupied.The entire strucwre and all components are new and the dwelling features no
physical deprecfauon'
'Note:Newly consVUCted improvements thal/eature recycled materiais and/or componenfs can be tonsidered new dwellings provided tha[!he dwelling is placed on a 700%new
loundatiort and the recycled materials and the recycled components have 6een rehabilitated/re-manufadured into�e-new conditlon.Recently conshucted improvements that have
not been previously occupied are not considered'new'il they have any signifrcant physical depreciation�.e.,newly construc[ed dwellings that have 6een vacant/or an eztended
period o16me without adequate maintenance a upkeep).
C2 The improvements feature no deferted maintenance,little or no physical deprecia6on,and require no repairs.Virtually all building componenCS are new or have been recen[ly
repaired,refmished,or rehabilitated.Ail ou[dated components and finishes have been upda[ed andlor replaced with wmponents tha[meet arrent standards.Dwellings in this category
either are almost new or have been recently completely renovated and are similar in conditrom m�ew consVUCtion.
C3 The improvements are well maintained and feature limited physical depreciation due to normal wear and tear.Some components,but not every maja bulding componen4 may
be updated or recenUy rehabilitated.The sWCture has been well maintained.
C4 The improvements fea[ure some minw deferred maintenance and physical deterioration due to normal wear and tear.The dwelGng has been adequately maintained and requires
only minimal repairs to building componentslmechanical systems and cosmetic repairs.All major buildinq components have heen adequa[ely mainpined and are functionally adequate.
C5 The improvements feature obvious deferred maintenance and are in need af some significant repairs.Some building components need repairs,rehablitatlon,or updating.The
tunctianal uUlity and overall livabiliry is somewhat diminished due to condition,but the dweiling remains useable and functional as a residence.
C6 The improvements have substantlal damage or deferted main[enance with deficiencies or defects that are severe enough to affect the safery,soundness,ar struc[urai integrity
of the improvements.The improvements are in need of substantial repairs and rehabiliWtion,including many or most majw components.
Quality Ratings and Definitions
Q1 Dwellings with this quality ratlng are usually unique SWCtures that are individuaily designed by an architect for a specified user.Such residences typically are consWCted from
detailed architectural plans and specficabons and feaNre an exceptionally high tevel of workmanship and excepUonaliy high-grade materials throughout the interior and ezteriar of the
sWCture.The design features exceptionally high-qualiry exterior refinements and omamentation,and exceptionalty high•quaiity interia refinements.The workmanship,mat�ials,and
finishes Uvoughout the dwelting are of exceptionalry high qualiry.
Q2 Dwellings with this qualiry rating are aften custom designed for constructlon on an individual property owner's site.However,dweilings in this qual'rcy g2de are atso found in
high-qualiry Vact developments feaNring residences conswcted from individual plans or from highly rtwdified or upgraded plans.The design feaWres detailed,high-qualiry exteriar
omamentatlon,high-qualiry interior refinements,and detail.The workmanship,materials,and finishes throughou[the dwelling are generally of high a very high quality.
Q3 Dwellings with this quaiity rating are residences of higher quatiry buift from individual or readily available designer plans in above-standard residential Vae[developments a on
an individual property owners si[e.The design includes significant exterior omamentation and interiors tha[are weil finished.The workmanship exceeds acceptable standards and
many ma[erials and finishes throughout[he dwelling have been upgraded from'stock'standards.
Q4 Dwenings with this qual"rty rating mee[or exceed the requirements of appGcable building codes.S(andard a modified standard building plans are util¢ed and[he design includes
adequate fenesVation and some exterior omamenWtion and interior refinemen4s.Materiais,workmanship,finish,and equipment are of stak or builder grade and may feaNre some
upgrades.
QS Dweifings with this qualiry raGng feature economy of construcGon and bask func[ionaliry as main considerauons.Such dwetlings feature a plain design using readily available or
basic floor plans feaNring minimal fenesUation and basic finishes with minimal ex[erior omamentation and limited interior detail.These dweilinqs meet minfmum building codes and are
constructed with inezpensive,stock materiais with Gmited refinements and upgrades.
Q6 Dweilings with this quaiity rating are of basic quality and lower cosC some may not be suitable for year-round occupancy.Such dwellings are often huilt with simple plans or
without plans,often utilizing the lowest qualiry building materials.Such dwellings are often buiit or expanded by persons who are professionally unskilled or possess only minimal
construction skiils.ElecVical,plumbing,and o[her mechanical systems and equipment may be minimal or non-existent.Older dwellings may feature one or more substandard or
non�onforming addidons to the originai swcmre.
Definitions of Not Updated,Updated,and Remodeled
Not Updated
Little or no updating or rtrodemization.This description includes,but is not limited to,new homes.
Residentiai propenies of flfteen years of age or less oRen reflect an original candiUon with no updating,if no major components have been replaced w updated.Those over fifteen
years of age are also considered not updated if the appliances,fixtures,and finishes are predominanUy dated.An area[hat is'Not Updated'may sUll be well maintaineC and fully
functional,and this raGng does not necessarily imply deferzed maintenance or physical Ifunctional deterioratlon.
Updated
The area of the home has been modi£ed to meet curt�ent msrket expectaHons.These motlifications are limited in tertns of both scope and cosc
An updated area of the home should have an improved look and feel,or functlonal utliiry.Changes that consti[ute updates include refurbishment andlor replacing components to meet
existing market expectations.Updates do not include significant alterations to the existlng swcture.
Remodeled
Significan[finish andlor strucWral changes have been made that increase utiliry and appeal Uvough complete replacement and/or expansion.
A remodeled area reflects fundamental changes that include multiple alterations.These alterations may inctude some or alt of the fotlowing:replacement of a major component
(cabinet(s),bathtub,or bathroom Ule),relocation of plumbinglgas fixtureslappliances,signifcant structural alterations(relocating walls,andla the addi[ion of square footage).
This would include a complete gutting and rebuiW.
Euplanation of Bathroom Count
The number of full and half haths is reponed by separeting the two values by a period.The fuil bath is represented to[he left ot the period.The half bath count is represented to the
right of the period.Three•quarter baths a2 to be counted as a full bath in all cases.Quarter baths(ba[hs Ihat feature only toilet)are not to be included in Ne bathroom couM.
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Uniform Appraisal Dataset Definitions Fl�eNo. 13-154
Abbreviations Used in Data Standardization Text
Abbrev. Full Name Appropriate Fields Abbrev. Full Name Appropriate Fields
ac Acres Area,Site Mtn Mountain Vew Yew
AdjPrk Adjacent to Park Laauon N Neutral Laation&Vfew
AdjPwr Adjacent m Power Lines LaaGon NonArm Non-Artns Length Sale Sale a Financing Cancessions
A Adverse Locadon&View BsyRd Busy Road Laation
Armlth Arms Length Sale Sale a Financing Concessions o Other Basement&Fnished Rooms Below Grade
ba Batt�oom(s) Basement&Finished Rooms Below Grade Prk Park�ew Vew
br Bedroom Basement&Finished Rooms Below Grade Pstrl Pastoral Yew �ew
B Beneficial Laation&Vew PwrLn Power Lines Yew
Cash Cash Sale or Financing Concessions PubTrn Public Transpatation Laatlon
CrySky City Vew Skyline Vew Vew rt Reueatronal(Rec)Room Basement&Finished Rooms Below Grade
CtySV Ciry Street Vew Vew Relo Relaatlon Sale Sale a Financing Concessions
Comm Commercial InBuence Laatlon REO REO Sale Sale a Financing Concessions
c ConVacted Date Date of Sal�me Res Residential Laatlon&Vew
Conv Conventlonal Sale a Fnancing Concessions RH USDA-Rural Housing Sale a Financing Concessions
CnOrd Coun Ordered Sale Sale a Financing Concessions s Sealement Date Date of Sale/Time
DOM Days On Market Data Sources Short Shat Sale Sale a Financing Concessions
e Expiration Date Date of Sale/Time sf Square Feet Area,SRe,Basement
Estate Estate Sale Sale or Financing Concessions sqm Square Meters Area,Site,Basement
FHA federal Housing AuNairy Sale or Financing Concessions Unk Unknown Date of SaleR'une
GlfCse GoIF Course Laation VA Veterans Adminisvation Sale a Financing Concessions
GI(vw Golf Course Vew Yew w Wrthdrawn Date Date of SalelTime
Ind Indusvial LaaGon&�ew wo Walk Out Basement Basement 6 Flnished Rooms Below Grade
in Interior Only SWirs Basement&Flnished Rooms Below Grade wu Walk Up Basement Basemern&Flnished Rooms Below Grade
Lndfl Landfill Laation WtrFr Water Frontage Laation
LtdSght LimitedSight Y�ew Wo- WaterYew Yew
Listing Listing Sa1e or Financing Concessions Woods Woods Vew Yew
Other Appraiser-Defined Abbreviations
Abbrev. FuIlName AppropriateFields Abbrev. FulfName AppropriateFields
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ADDENDUM
� Bortower. WA File No.: 73-754
ProcertvAddress:826 Grantham Road Case No.:
Citv:Grdntham State: PA Zo: 17027
Lender. Sean M.Shullz,Esquire
Neighborhood Description
The subject property is located in Upper Allen Township,Cumberland County. The subject property is located in an area
that is paR of the West Shore. The West Shore consists of various municipalities located west of the City of Harrisburg.
Hartisburg is the state capital of Pennsylvania. Both the West Shore and Harrrisburg are the major population and
employment and shopping centers for southem Central Pennsylvania.
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SUBJECT PROPERTY PHOTO ADDENDUM
�orrower:N/A File No: 13-154
Propertv Address:826 Grantham Road Case No•
City:Grantham State'PA Zip•17027
Lender:Sean M.Shultr,Es uire
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LOCATION MAP
Borrower:N/A File No.: 13-154
Property Address:826 Grentham Road Case No.:
C'�Grantham State:PA Zip'17027
Lender:Sean M.Shultz Es uire
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BASSETf APPRAISAL SERVICES
Borrower:N/A File No• 13-154
Property Address:826 Grantham Road Case No•
City:Grantham $tate•PA Zip•17027
Lender:Sean M.Shultz Es uire
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BASSETT APPRAISAL SERVICES
Fpe No.13-153
APPRAISAL OF
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Summary Appraisal RepoR
LOCATED AT:
834 Grantham Road
Grantham,PA 17027
FOR:
Sean M.Shultz,Esquire
26 West High SVeet
Cariisle,PA 17013
BORROWER:
N/A
AS OF:
July 3,2013
BY:
�Iliam A.Bassett
PA General Certified Appraiser/PA-GA001618L
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BASSETT APPRAISAL SERVICES
Flk No.13-153
July 7,2013
Sean M.Shultr,Esquire
26 West High Street
Carlisle,PA 17013
File Number: 13-153
Dear Sir or Madam:
In accordance with your request, I have appraised the real property at:
834 Grantham Road
Grantham,PA 17027
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 Juiy 3,2013 is:
$175,000
One Hundred Seventy-Five 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.
Sincerely yours,
���.�c�r�i��4��,'�:.
Wiliiam A.Bassett
PA General Certified AppraiserlPA-GA001618L
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. � ASSETT APPRAISAL SERVICES
Uniform Residentiai Appraisal Report FikNo. 13-153
The ur ose af this summar a raisal re ort is to rovide the lenderlclient with an accurate,and ade uatel su orted,o inion of the market value of the sub'ec[ ro ert.
rro e nddress 834 Grantham Road c� Grantham s�aie PA Zi coae 17027
Borrower wA ownerotPubiicrtecora CI de/Elizabeth Watts Ca,n Cumberland
� ai Descri �an See Le al Descri tion
Assessars Parcell Tax ID 42-31-2151-036 7ax Year 2013 RE.Taxes f 3189
Nei hborhood Name U er Allen Townshi Ma RHerence 31-2151 Cenws Traa 0116.05
Owner TenaM X Vacant S ial AssessmeMS S 0 PUD HOA S 0 er ar er monlh
�� Pr Ri htsA ised FeeSim te Leasehold Other descn'be
Assi nmentT e PurchaseTransactlon RefinanceTransaction X Othw describe ESt2te
�endedGient Sean M.Shultr E uire nadress 26 West Hi h Street Carlisie PA 17013
Is the sub'ect ro curten oBered for sale or has it been oflered fa sale in the lweNe monlhs 'a ro the eifeMive date of thfs a isaR Yes No
Report data source(s)used,otfering price(s),and date(s).
I did dd rwt analyze the conVac[fw sale fa the wbjett purchase transactlon.Explain[he results of the anaiysis ot the contract tor sale or why fhe analysis was rat perfamed.
. Contract Price E Date of Contract Is the ro selier the owner of blic recwd7 Yes No Data So�ace s
is there arry financial auispnce Qoan charges,sale concessions.gift or downpayment assistance,etc.)ro 6e paid by airy parry on behalf of the borrower7 Yes No
� It Yes,report the total dollar amaun[and describe the rtems to be paid.
Note:Raceandtheraciaieom ositlonofMenei hborhooOarerwta raisaifactors.
-�� � - -_ o..,..5'��� - -
Locatlon Urban AX Suburban Rural Pro Values Inueasin Stable Declinin PRICE AGE One•Unt 70%
� Bu1t-U Over75% 25•75% Undx25% DemandlSu Sharta e InBatance OverSu I E000 2-4Unit %
� Growth Ra id X Stable Siow Marketi Time Under 3 mths X 3•6 mths Over 6 mths 100 Low 30 Muki•Famii %
, Neighborhood eounaaries Lisbum Road to the north Mi1F Road to the east Siddonsbu Road to 200 Hi h 80 Commerciai %
„ the south L islative Route 15 to the west. 160 Pred. 40 Other Vacant 30%
Neighborfwod Descriptlon See Attached Addendum
Market Conduons(nduding wppatfa the above conclusions) Pro e values are currentl stable to sli htl increasin . Interest rates ran e between 3
to 5 er cent for conventional FHA and VA financin within the Iocai market area. The local market conditions a ear to show a
stead flow of sales within the ast three months..
Dimensiom See L al Descri tion nrea 12632 sf Sna e Irr ular wew N•Res•
5 'r�c Zonin Ciassircauan VR-Villa e Resiential zoni Descri bn Medium Densi ResidenGal Develo ment
Zonin Com iance X Le al I Nanconformi Grandfalhered Use No Zonin III I describe
Is the higheu and best use of the wbject property as improved(or as proposed per plans and specificaGOns)the present usel X Yes No If No,descnbe.
Utilities Pu61ic OMer(describe) PuElie Other describe) OR-sitelm rovements--T e PuDlie Private
Elecvi' Water Street Macadam
Gas Sanita Sewer X Alle None
FEMA 5 ecial Fiood Hazard Area Yes X No FEMA Fiood Zone X FEMA Ma � 42041 CO269E FEMA Ma Date 03/16/2009
Are the utili6es and oR-site im ovements kal for the marke[area7 Yes No If No,describe.
Are ihere any adverse site wnditlons ar extemal factors(easements,enaoachments,emrironmental condibons,land uses,etc.)7 Yes No If Yes,descnbe.
_ C '� � 0�3�_ .:
° Pna . ttd �I : 4
Units X One One with Access Unit Concrete Slab Crawi 5 ace Foundation Walls ConCBlk/Avef2 @ Fbas C t/Hdw/Av
�of Stories 2 X Full Basement Partial Basement Exteria Walls B�� I/Av Walis DW/Plaster/Av
T X Dec Att. S-DetJEnd Unil Basement Area 1859 .ft. Roof Surface Shin le/Av Tri�nish WoOd/Good
ExisG Pro sed UnderConst Basement Finish 30% Gutters&Downs outs AluR1/Av BaN Fbor Ce�Mn/Av
Desi n S ie Ca eCod oursideEn IExi� Sum aum WindowT e ThemoDH/Good eamWainsca CeramidAv
Year Buiit 1939 Evidence af Infestarion Storm Sashlinsulated No/Yes CarStora None
ElfeuiveA e rs 10 Dam ness Settlement Saeens Yes Drivewa tMCars 0
Attic None Heatin FWA HWBB Radiant AmeniUes WoodStove s i1 Drivewa Surtace M3Cadam
Dro Stair Stairs Other Fuel Oil Fire ace s I 0 Fence N0�8 Gara e i M Cars 2
Fioor X Scuttle Cooiin X CeMral Air Conditionin PatiolDeck R� X Pach FfO�t Ca rt i MCarS 0
Flnished Heated Individual OtherNOne X Pooi AbvGrd omer None AtL X DeL Bu1t=m
A liances Refri erator X Ran e/Oven X Dishwasher Dis sal Mittowave Washer/D er O[her describe
Finished area above rade cantains: 9 Rooms 5 Bedroans 2.0 Bath s 1 850 5 uare Feet ot Gmss LNin Area Above Grade
.
Additional feawres(special energy�cient items,e�c.). Front covered orch rear deck above round ool.
� Desaibe Ne condrtion oi the properry pnduding needed repairs,deterioratlon,renovatlons,remodeling,etc.). C3'No u dates in the rior 15 ears'The interio�of the
sub'ect ro e is in avera e to ood condition.Pro e has been u dated over the ast 15 ears with central air conditionin
installed 5 ears a o.
Are there any physicai deficiendes or adverse con7tiors that atfect the livabiliry,soundness,a swcurcal integriry ot the properg/1 Yes No If Yes,desrnbe.
Does the propeny generally confam to the neighborhood(func[tonal utiiily,style,wnditlon,use,constructlon,etc•)? Yes No If No,desaibe.
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• � ASSETI'APPRAISAL 5ERVICES
Uniform Residential Appraisai Report fi�eNo. 13-153
Thxe are 3 com reb�e ro erties curten oBered for sale in the sub'ect n'hborhood ran in in 'ce trom S 150 000 to f 175 900
There are 9 can rable sales in the sub'ect nei hborhood within the ast twelve months an in in sale rice Gom f 155 000 to S 195 000
FEATURE SUBJECT COMPARABLE SALE N0.1 COMPARABLE SALE N0.2 COMPARABLE SALE N0.3
834 Grantham Road 2204 Boxwood Lane 1109 Floribunda Lane 134 Sholly Drive
Address Grantham PA 17027 Mechanicsbu PA 17055 Mechanicsbu PA 77055 Mechanicsbu PA 17055
Proximi w Su'ect N/A N/A N/A
Sale Price f S . 172 500 f 160 000 S 190 000
sale PiicdGross tiv.nrea f 0.00 .ft i 104.42 s.ft S 112.83 .�. f 105.91 .ft.
Data Source s CPML#10230846•DOM 113 CPML#10221982•DOM 150 CPML#10225197•DOM 28
Verification Source s Court House Records Court House Records Court House Records
VALUEADJUSTMENTS DESCRIPTION DESCRIPTION .�-�sar DESCRIPTION .(-�s DESCRIPTION .�-�saauvnen
Sale or Financing AmtLth ArmLth ArtnLth
Concessions FHA•500 FHA•6500 Conv0
DateMSal�me s04/13•c03/13 s11/12•c09/12 s11/12•c10H2
Laation N•Res• N•Res• MRes• N•Res•
LeasetroidlFee Sim e Fee Sim le Fee Sim le Fee Sim Ie Fee Sim le
Site 12632 sf 12632 sf 0 10019 sf 0 15682 sf 0
view N•Res N•Res N•Res N•Res
Des'n S ie Ca e Cod Traditional 0 Ca e Cod Traditional
Qual' ofCo�swuion Q3 Q3 Q3 Q3
Acwal A e 74 34 -2 000 37 -2 000 27 -2 000
Condition C3 C3 C3 C3
Abwe Grede taai eams ezan raw eams eaux rua� eams, ean,s r,i,i emns g,un
Room Count 9 5 2.0 7 3 1.1 1 000 7 4 2.0 0 7 3 2.1 -1 000
Gross '' Ama 15 1 850 .ft 1 652 .ft. 2 970 1 418 .ft. 6 480 1 794 .ft. 840
Basement&Finished 936sP280sfin 826sfOsfin 0 900sf500sfin 0 897sf897sfin 0
RoomseelowGrade OrrObrO.Oba10 1000 1rrObrO.Oba10 -2000 1rrObrO.Oba10 -2000
Functional Util' Av2f� e Avera e Avera e Avera e
- Hea6n Coolin ORad C/Air OFHA/CA 0 HP/CA 0 HP/CA 0
� Ener EfFicientl[ems T ical T ical T ical T ical
� Gara elCa rt 2 CarGara-e 2 CarGara e 1 Car Gara e 1 000 2 CarGara e
Porch/PatiolDeck FrPch Rear Deck PorchlDeck 0 Porch/Deck 0 Porch/Patio 0
� Other 1 W/S 1 F/P -2 000 None 1 000 1 F/P -2 000
= Other AboveGrdPool None 1000 None 1000 None 1 000
� NetAdustment owl X+ S 1 970 X t S 5 480 + S 5160
AdjustedSalePrice NetAdj. 1.1% NetAdj. 3.4% NelAdj. -2.7%
- of Com arables Gross . 5.8% E 174 470 Gross . 8.4% f 165 480 Gross . 4.7% 4 184 840
I did did na research the sale a transfer histwy of the subject property and comparable saies.If no4 expiain
M research did X did not reveal an ia sales a transfers of Ne sub'ea ro e tor the three ars rior w the eBeCive date of this a raisal.
�aw sa,rce s CouR House Records
� research X did did not reveai a ' sales or transfers of the wm arab�e sales for[he ear rior to the date oF sale of the com rable sale.
�ausa,rces Court House Records
- Re rt the rewits of the research and anal sis of[he rior sale ortransfer histo of the w'ect o and com arable sales re ad?Gonal 'a sales on e 3.
REM SUBIECT COMPARABLE SALE N0.1 COMPARABLE SALE N0.2 COMPARABLE SALE N0.3
Date of Prior Sale/Transfer
Price of Priw Sale/Transfer
oara 5ource s Ct Hs Rec. Ct Hs Rec. Ct Hs Rec. Ct Hs Rec.
EBective Date of Data Source s 07/07/2013 07/07/2013 07/07/2013 07/07/2013
Maiysis of prior sale or vansfer history of Ne subj�[property anE eompara6ie sales The sub'ect ro e has not sold or been listed within the ast 3 ears.
The com arables sales have not sold or been listed the ear rior to the current sale exce t for Com arable No.3.
Summary of Saies Comparison approacn. The sub'ect ro e and all the com arables are located within the U er Allen Townshi area. All the
com arables are located within similar nei hborhoods within the same townshi . The ran e of the ad'usted sale rice is$165 480 to
$184 840. I reconciled the value at 175 000..
indcated Value b Sales Com rison A oach S 175 000
IrMteatedValueb: SalesCom ariwnA roachf'I7�J OOO CostA a�h ifdevelo e f� IncomeA roach fdevelo tl f 0
Market Anal sis consistenU su orts m estimated market value. GRM and Cost Anal sis was found ina o riate for this anal sis.
Greatest wei ht is a lied to the Market Data Anal sis. Su ortin file infortnation substantiates these estimates.
' This appraisal is made X'as is,' subject to completion per plans and specificaGons on the basis oF a hypothetical conditlon that the improvements have been completed.
❑subject ro the tolbwing repairs a alterations on the 6asis of a hypotheGcal condtion tha[the repairs w alteratlons have been wmpleted,or ❑subject to the fdlowing required
• inspection based on the exVawdinary assumption that Ne condiUon or deficiency dces not require al[eratlon w repair: The Sub�eCt �o e Was a faised in AS IS
Condition and is valued for mort a e u oses onl .
• Based on a complete visual lnspection of the in[erior and exterior areas o(the suhject propeny,defined seope of work,statement of assumptlons and limit(ng
conditions,antl appraiser's eer[ifieation,my(our)opinion ofthe market value,as deflned,of the real property that is the subJeet of this report is f 175,���
asof 07/03/2013 .whtchtsthedateotins ecdonandtheeReeUvedateofthisa raisat.
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Bassett Appraisal Services
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. � ASSEiT APPRAISAL SERVICES
Uniform Residential Appraisal Report Fi�eNo. 13-153
Extra Comments
SCOPE OF APPRAISAL AND URAR SPECIAL LIMITING CONDITIONS:
-This a raisal is not a home ins ection and the a raiser is not actin as a home ins ector when re arin the re ort.When
erformin the ins ection of this ro e the a raiser visuall observed areas that were readil accessible.The a raiser is not
re uired to disturb or move an in that obstruct access or visibili .The ins ection in not technicall exhaustive.The ins ection does
not offer warranties or uaranties of an kind.
Sco e of A raisai and URAR:Su lemental Certifications:
I certi that
This COMPLETE APPRAISAL-SUMMARY APPRAISAL REPORT was re ared b William A.Bassett for the exclusive use of Sean
M.Shultz Es uire in estimatin market value.Estimated market value is the most robable rice in terms of cash or in terms of
financial arran ements e uivaient to cash.Sean M.Shultr Es uire is considered to be m client The information and o inions
contained in this a raisal set forth the a raisers best'ud ement in li ht of the information available at the time of the re aration of
this re ort.An use of this a raisal b an other erson or enti or an reliance or decisions based on this a raisal are the sole
res onsibili and at the sole risk of the third a .I acce t no res onsibili for dama es suffered b an third a as a result of
reliance on or decisions made or actions taken based on this re ort.
-In m o inion the reasonable ex osure time linked to the value o inion is u to 180 da s.
i further certi that to the best of m knowled e and belief.
�-The statements of fact contained in this re ort are true and correct.
-The re orted anai ses o inions and conclusions are limited onl b the re orted assum tions and limitin condiGons and are m
- ersonai im artial and unbiased rofessional anal ses o inions and conclusions.
• -I have no resent or ros ective interest in the ro e that is the sub'ect of this re ort or to the arties involved with this assi nment.
- -M en a ement in this assi nment was not contin ent u on develo in or re ortin redetermined resuits.
�-M com ensation for com letin this assi nment is not contin ent u on the deveio ment or re ortin of a redetertnined value or
direction in value that favors the cause of the ciient the amount of the value o inion the attainment of a sti ulated result or the
occurrence of a subse uent event directl related to the intended use of this a raisal.
-M anal ses o inions and conclusions were develo ed and this re ort has been re ared in conformi with the Unifortn Standard
of Professional A raisal Practice.
-1 have made a ersonal ins ection of the ro e that is the sub'ect of this re ort.
-No one rovided si nificant rofessional assistance to the si ner of this re ort.
-William A.Basseti re ared this re ort.
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Prwide ade uate information for the lendedclient to re licate the below tost fi� res and calculations.
SuppoR for the opinion of site vaiue(wmmary of comparable land sales or o[her mettwds far estimaGng site value)
ESTIMATED REPRODUCTIONOR REPLACEMENTCOSTNEW OPINIONOFSITEVALUE........................................=S
. Source ot mst data Dwellin 1 850 5.Ft�S ....,........E 0
. Quali ratin from cos[service Efiective da[e of cost data BSmt:1859 S.Ft.�f ............-S 0
- Comments on Cost A oach ross livin area calculations,de reciatlon,etc.
The Cost A roach will enerall result in an excellent estimate of Gara Car rt 444 S.Fr.�S .............S 0
� value if the buildin is new or reasonabi new and the Totai Estimate ot Cost-New ............-f 0
im rovements reNect the hi hest and best use of the land. �ess 50 Ph sical Func�ionai Ex�emai
However when items of h sical de reciation must be estimated oe rectauon -S 0
an area of'ud ement is involved which is sub'ect to error.The De rxia�ea Cou ar im rovemerns.................................E 0
Cost A roach was not utilized due to the a e of the sub'ect 'ns-is'vaiue ot Si�e Im wements................................-S
Estimated Remainin Ecorromk Lite UD and VA an 40 Years INDICATED VALUE BY COST APPROACH...................... -S 0
¢ 1N ,M ��PI30. �'. �?.v... _L._� : _,mei.._.
� Estimated Month Market Rent f X Gross Rent Multi lier -S Indkaced Value b Income A ch
Summary of Incame Approach(ncluding suppat famarket ren[and GRtvp Due to the sub'ect bein e sin le famil residence the rental amounts for this
ro e would not be an a ro riate anal sis to detertnine market value.
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Isthedevelo IbuilderinwnVOloftheHomeowners'Associauon OA? Yes No Unit es Detached Attached
Provide the tollowin information fa PUDs ONLY if the develo rPouilder is in convol of[he HOA and the sub'ect ro is an attached dwelli uni�
L al name of 'ect N/A
Total number of hases Total mimber of units Total number of units sold
� Total number of units rented Total number of units for sale Data source s
Was the 'ea aeated b the comersion of an existin buil? s into a PUD? Yes No If Yes,date af com�ersion.
. Oces the 'ect rnntain an multi-dwelli units7 Yes No Data source s
!ve the un'tts,common elements,and recreation fadl'Nes compiete7 Yes No If No,desmbe Ne stalus oF completion.
Are the common elements leased to a by the Homeowners'AssaiationY Yes No If Yes,describe the rental terms and options.
Describe common elemen[s and recreational faciiities.
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ASSETT APPRAISAL SERVICES
Uniform Residential Appraisal Report FileNo. 13-153
This report form is designed to report an appraisal of a one-unit property or a one-unit property with an accessory unit;including a
unit in a planned unit development(PUD). This report form is not designed to report an appraisal of a manufactured home or a unit
in a condominium or cooperaUve project.
This appraisal report is subject to the following scope of work,intended use,intended user,definition of market value,statement of
assumptions and limiting conditions,and certifications. Modifications,additions,or deletions to 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 the complexity of this appraisal assignment Modifiptions or
deletions to the certifications are also not pertnitted. However,additional certifications that do not constitute material alterations
to this appraisal report,such as those required by law or those related to the appraiser's continuing education or membership in an
appraisal organization,are permitted.
SCOPE OF WORK: The scope of work for this appraisal is defined by the complexity of this appraisal assignment and the
reporting requirements of this appraisal repoR fortn,including the following definition of market value,statement of assumptions
and limiting conditions,and certifications. The appraiser must,at a minimum:(1)perform a complete visual inspection of the
interior and exterior areas of the subject property,(2)inspect the neighborhood,(3)inspeet each of the comparable sales irom at
least the street,(4)research,verify,and analyze data from reliable public and/or private sources,and(5)report his or her analysis,
opinions,and conclusions in this appraisal report.
INTENDED USE: The intended use of this appraisal report is for the lender/client to evaluate the property that is the subject of
this appraisal for a mor�qage finance Vansaction.
INTENDED USER: The intended user of this appraisal report is the lendedclient.
DEFINITION OF MARKET VALUE: The most probable price which a property should bring in a competitive and open market
under all conditions requisite to a fair sale,the buyer and seller,each acting prudenUy,knowledgeably and assuming the price is
not affected by undue stimulus. Implicit in this definition is the consummation of a sale as of a specified date and the passing of
title from seller to buyer under conditions whereby:(1)buyer and seller are typically motivated;(2)both parties are well informed
or well advised,and each acting in what he or she considers his or her own best interest;(3)a reasonable time is allowed for
exposure in the open market;(4)payment is made in tertns of cash in U.S.dollars or in terms of financial arrangements
comparable thereto;and(5)the price represents the normal consideration for the property sold unaffected by special or creative
financing or sales concessions'granted by anyone associated with the sale.
'Adjustrnents to the comparables must be made for special or creative financing or sales concessions. No adjustments are
necessary for those costs which are normally paid by sellers as a result of tradition or law in a market area;these costs are readily
identifiable since the seller pays these costs in virtually alI sales transactions. Special or creative financing adjustments can be
made to the comparable property by comparisons to financing terms offered by a third party insGtutional Iender that is not already
involved in the property or transaction. Any adjustrnent should not be calculated on a mechanical dollar for dollar cost of the
financing or concession but the dollar amount of any adjustment should approximate the markeYs reacGon to the financing or
concessions based on the appraiser's judgment
STATEMENT OF ASSUMPTIONS AND LIMITING CONDITIONS: The appraiser's certification in this repoR is subject to the
following assumptions and limiting conditions:
1. TMe appraiser will not be responsible for matters of a legal nature that affect either the property being appraised or the Gtle
to it,except for information that he or she became aware of during the research involved in performing this appraisal. The
appraiser assumes that the title is good and marketable and will not render any opinions about the tiUe.
2. The appraiserhas provided a sketch in this appraisal report to show the approximate dimensions of the improvements. The
sketch is included only to assist the reader in visualizing the property and understanding the appraisers determination of its size.
3. The appraiser has examined the available flood maps that are provided by the Federal Emergency Management Agency(or
other data sources)and has noted in this appraisal report whether any portion of the subject site is�ocated in an identified Special
Flood Hazard Area. Because the appraiser is not a surveyor,he or she makes no guarantees,express or implied,regarding this
determination.
4. The appraiser will not give testimony or appear in court because he or she made an appraisal of the property in question,
unless specific arrangements to do so have been made beforehand,or as othervvise required by law.
5. The appraiser has noted in this appraisal report any adverse conditions(such as needed repairs,deterioration,the presence of
hazardous wastes,toxic substances,etc.)observed during the inspection of the subject property or that he or she became aware of
during the research involved in perForming this appraisal. Unless othervvise stated in this appraisal report,the appreiser has no
k�owledge of any hidden or unapparent physical deficiencies or adverse conditions of the property(such as,but not limited to,
needed repairs,deterioration,the presence of hazardous wastes,toxic substances,adverse environmental conditions,etc.)that
would make the property less valuable,and has assumed that there are no such conditions and makes no guarantees or
warranties,express or implied. The appreiser will not be responsible for any such condiGons that do exist or for any engineering or
testing that might be required to discover whether such conditions exist. Because the appreiser is not an expert In the field of
environmental hazards,this appraisal report must not be considered as an environmental assessment of the property.
6. The appraiser has based his or her appraisal report and valuation conclusion for an appraisal that is subject to satisfactory
completion,repairs,or alterations on the assumption that the completion,repairs,or alterations of the subject property will be
performed in a professional manner.
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Uniform Residential Appraisal Report FileNo. 13-153
APPRAISER'S CERTIFICATION: The Appraiser certifies and agrees that:
1. I have,at a minimum,developed and reported this appraisal in accorclance with the scope of work requirements stated in this
appraisal report.
2. I perFormed a complete visual inspection of the interior and exterior areas of the subject property.l reported the condition of
the improvements in factual,specific terms.I idenffied and reported the physical deficiencies that could affect the livability,
soundness,or structural integrity of the property.
3. I perFormed this appraisal in accordance with the requirements of the Uniform Standards of Professional Appraisal Practice
that were adopted and promulgated by the Appraisal Standards Board of The Appraisal Foundation and that were in place at the
time this appraisal report was prepared.
4. I developed my opinion of the market value of the reai property that is the subject of this report based on the sales comparison
approach to value. I have adequate comparable market data to develop a reliable sales comparison approach for this appraisal
assignment. I further certify that i considered the cost and income approaches to value but did not develop them,unless othervvise
indicated in this report.
5. I researched,verified,analyzed,and reported on any current agreement for sale for the subject property,any offering for sale
of the subject property in the twelve months prior to the effective date of this appraisal,and the prior sales of the subject property
for a minimum of three years prior to the effective date of this appraisal,uniess othervvise indicated in this report.
6. I researched,verified,analyzed,and reported on the prior sales of the comparable sales for a minimum of one year prior to the
date of sale of the comparable sale,unless othervvise indicated in this report.
7. I selected and used comparable sales that are locationally,physically,and functionally the most similar to the subject property.
8. I have not used comparable sales that were the result of combining a land sale with the contract purchase price of a home
that has been built or will be built on the land.
9. i have reported adjustments to the comparable sales that reflect the markeYs reaction to the differences between the subject
property and the comparable sales.
10. I verified,from a disinterested source,all information in this report that was provided by parties 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 marlcet area.
12. I am aware of,and have access to,the necessary and appropriate pubiic 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 the property is located.
13. I obtained the information,estimates,and opinions fumished by other parties and expressed in this appraisal report from
reliable sources that i believe to be true and correct.
14. I have taken into consideration the factors that have an impact on value with respect to the subjed neighborhood,subject
property,and the proximity of the subject property to adverse influences in the development of my opinion of market value. I have
noted in this appraisal report any adverse conditions(such as,but not limited to,needed repairs,deterioration,the presence of
hazardous wastes,toxic substances,adverse environmental conditions,etc.)observed during the inspection of the subject property
or that I became aware of during the research involved in perFortning this appraisal. I have considered these adverse conditions in
my analysis of the property value,and have reported on the effect of the conditions on the value and marketability of the subject
property.
15. I have not knowingly withheld any significant infortnation from this appraisal repoR and,to the best of my knowledge,all
statements and information in this appraisal report are true and correct.
16. I stated in this appraisal report my own personal,unbiased,and professional analysis,opinions,and conclusions,which are
subject only to the assumptians and limiting conditions in this appraisal report.
17. I have no present or prospective interest in the property that is the subject of this repoA,and I have no present or prospective
personal interest or bias with respect to the participants in the transaction. I did not base,either partially or completely,my
analysis and/or opinion of market value in this appraisal report on the race,color,religion,sex,age,ma�ital status,handicap,
familial status,or national origin of either the prospective owners or occupants of the subject property or of the present owners or
occupants of the properties in the vicin'ity of the subject property or on any other basis prohibited by law.
18. My employment and/or compensation for performing this appraisal or any future or an6cipated appraisals was not conditioned
on any agreement or understanding,written or otherwise,that 1 would report(or present analysis supporting)a predetermined
specific value,a predetermined minimum value,a range or direction in value,a value that favors the cause of any party,or the
attainment of a specific resu�t 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 the real estate that were set forth in this appraisal reporL If I relied on
significant real property appraisal assistance from any individual or individuais in the performance of this appraisaf or the
preparation of this appraisal report,I have named such individuai(s)and disclosed the specific tasks perFortned in this appraisal
report. I certify that any individual so named is qualified to perform the tasks. I have not authorized anyone to make a change to
any item in this appraisal report;therefore,any change made to this appraisal is unauthorized and i will take no responsibility for it.
20. I identified the lender/client in this appraisal report who is the individual,organization,or agent for the organization that ordered
and wili receive this appraisal report.
21. The lender/client may disclose or distribute this appraisal report to:the borrower,another lender at the request of the borrower,
the moRgagee or its successors and assigns;mortgage insurers;govemment sponsored enterprises;other seco�dary market
participants;data collection or reporting services;professional appraisal organizations;any department,agency,or instrumentality
of the United States;and any state,the District of Columbia,or other jurisdictions;without having to obtain the appraiser's or
supervisory appraiser's(ff applicable)consent Such consent must be obtained before this appraisal report may be disciosed or
distributed to any other party(including,but not limited to,the public through advertising,public relations,news,sales,or other
media).
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ASSETT APPRAISAL SERVICES
Uniform Residential Appraisal Report Fi�eNo. 13-153
22. I am aware that any disclosure or distribution of this appraisal report by me or the lendedclient may be subject to certain laws
and regulations. Further,I am also subject to the provisions of the Unifortn Standards of Professional Appraisai Practice that
pertain to disclosure or distribution by me.
23. The borrower,another lender at the request of the bortower,the moRgagee or its successors and assigns,mortgage insurers,
govemment sponsored enterprises,and other secondary market participants may rely on this appraisal report as part of any
mortgage finance Vansaction that involves any one or more of these parties.
24. If this appraisal report was transmitted as an'electronic record"containing my'electronic signature;as those 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,the appraisal repoR shall be as effective,enforceable and valid as if a
paper version of this appraisal report were delivered containing my original hand written signature.
25. Any intentionai or negligent misrepresentation(s)contained in this appraisal report may result in civil Iiability and/or criminal
penalties including,but not limited to,fine or imprisonment or both under the provisions of Title 18,United States Code,Section
1001,et seq.,or similar state laws.
SUPERVISORY APPRAISER'S CERTIFICATION: The Supervisory Appraiser certifies and agrees that
1. i directly supervised the appraiser for this appraisal assignment,have read the appraisal report,and agree with the appraiser's
analysis,opinions,statements,conclusions,and the appraiser's certification.
2. I accept full responsibility for the contents of this appraisal report including,but not limited to,the appraiser's analysis,
opinions,statements,conclusions,and the appraisers certification.
3. The appraiser identified in this appraisal report is either a sub-contractor or an employee of the supervisory appraiser(or the
appreisal firtn),is quaiified to perform this appraisai,and is acceptable to perfortn this appraisal under the applicable state law.
4. This appraisai report complies with the Uniform Standards of Professional Appraisal Practice that were adopted and
promulgated by the Appraisai Standards Board of The Appraisai Foundation and that were in place at the time this appraisai
report was prepared.
5. If this appraisal report was transmitted as an'electronic record"containing my'electronic signature,"as those 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,the appraisal report shall be as effective,enforceable and valid as if a
paper version of this appraisal report were delivered containing my original hand written signature.
APPRAISER SUPERVISORY APPRAISER(ONLY IF REQUIRED)
Signature�ti�,�,♦ri.�. �j .+�' �.. � Signature
Name William A.Bassett Name
Company Name Bassett Aopraisal Services Company Name
Company Address 716 West North Street Company Address
Carlisle,PA 17013
Telephone Number 717-241-4961 Telephone Number
Email Address wmbass(a�bassettappraisals.com Email Address
Date of Signature and Report 07/08/2013 Date of Signature
Effective Date of Appraisal 07/03/2013 State Certification#
State Certification#GA001618L or State License#
or State License# State
or Other(describe) State# Expiration Date of Certification or License
State PA
Expiration Date of Certifica6on or License O6/30/2015
ADDRESS OF PROPERTY APPRAISED SUBJECT PROPERTY
834 Grantham Road ❑Did not inspect subject property
Grantham.PA 17027 ❑Did inspect exterior of subject property from street
Date of Inspection
APPRAISED VALUE OF SUBJECT PROPERTY$175,000 ❑Did inspect interior and exterior of subject property
Date of Inspection
LENDER/CLIENT
Name COMPARABLE SALES
Company Name Sean M.Shultr,Esquire ❑Did not inspect exterior of comparable sales from sVeet
Company Address 26 West Hiqh Street ❑Did inspect exterior of comparable sales from street
Carlisle.PA 17013 Date of Inspection
Email Address
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Bassett Appraisal Services
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Uniform Appraisal Dataset Definitions F1eNo. 13-153
Condition Ratings and Definitions
C1 The improvements have been very recently constructed and have not previously been occupied.The entire sWCture and all components are new and the dwelfing fea[ures no
physical depreciation.'
'Note:Newty consnucted improvemen[s that(eature recycled materials and/a components can be considered new dwellings provided that the dwelling is placed on a 100%new
loundation and the recyc%d materials and!he�ecycled tomponenls have been reha6ilitated/re-manufacNred inta like•new condition.Recently consovcted improvements Na[have
not been previously occupied are not considered'new'if they have any signi(rcant physical depreciation�.e.,newly conswcted dwellings that have 6een vacant fa an extended
period of ume without adequate maintenance or upkeep).
C2 The improvements fea[ure no deferted maintenance,tittle or no physical depreciaGon,and require no repairs.Vrtualty all building componerns are new a have been recently
repaired,refinished,a rehabilitated.All outdated components and finishes have been updated andla replaced with components that meet currem standards.Dweliings in Nis category
either are almost new a have been recently completety renovated and are similar in conditlon ro new conswctlon.
C3 The improvements aze well mafntained and feaNre timfted physical depreciaGon due to normal wear and tear.Some components,bu[rrot every major building component,may
be updated or recentty rehabilitated.The strucMe has been well maintained.
C4 The improvements(eature some mina deferred maintenance and physkal deterioration due to namal wear and tear.The dwelling has been adequately maintained and requires
only minimal repairs to building componentslmechankal systems and cosmeGc repairs.All major 6ulding components have been adequately maintained and are funcUonalty adequate.
CS The improvements feature obvious deFerred maintenance and are in need of mme significant repairs.Some buildng componerits need repairs,reha6ifitation,or updaGng.The
funcUOnal uGlity and overall fivabiliry is somewhat diminished due to condiUon,but the dwelling remains useabie and functiona�as a residence.
C6 The improvements have substanUal damage or deFerted maintenance with deficiencies or defecLS that are severe enough to affect the safety,wundness,ar strucNral integriry
of the improvements.The improvements are in need of substan0al repairs and rehabilitatbn,inGuding many or most majw components.
Quality Ratings and Definitions
Q1 Dwellings with this quality rating are usually unique structures that are individually designed by an architect for a specified user.Such residences typicaily are constructed from
detailed architecwral plans and specifications and feature an exceptionally high level of workmanship and exceptionally high-grade materials throughout the interior and ez[erior of the
structure.The design fea[ures exceptionally high-qualiry exterior refinemenCS and omamentaGon,and exceptionaily high-quality interior refinements.The workmanship,materials,and
finishes thraghout the dwelling are of excepUonally high qualiry.
Q2 Dwellings with this quaGty raUng are often custom designed for conswction on an individuat property owner's si[e.However,dwellings in this qualiry grade are also found in
high-quality trac[developments fea[uring residences conswcted from individual pians or from highty modified or upgraded plans.The design feaNres detailed,hiqh-qualiry exterior
ornamentaGon,high-qualiry interior refinements,and detail.The xrorkmanship,materials,and finishes throughout the dwe�ing are generally of high ar very high quaGry.
Q3 Dwellings wiN this quality raUng are residences of higher quality built from individual a readity ava7able designer plans in above-standard residenUal Vact devetopments or on
an individual property owner's site.The design includes stgnificant ex[erior omamentation and interiors that are well finished.The workmanship exceeds accepWble standards and
marry materials and finishes throughout the dwelling have been upgraded from'stock'standards.
Q4 Dwe�ings with this quality rating meet or exceed the requiremenCS of appiicable building codes.SWndard or modified standard building pians are utlGzed and the design includes
adequate fenestration and some exterior ornamenta[ion and interior refinements.Materials,workmanship,finish,and equipment are of stock or builder grade and may feature some
upgrades.
Q5 Dwellings with this quatiry rating feature economy of rnnswction and basic functionaliry as main consideratlans.Such dwellings feature a plain design using readily available or
bask floa plans featuring minimal fenestration and basic finishes with minimal exteriw omamentation and limi[ed interior detail.These dwellings meet minimum building codes and are
construaed with inexpensive,stak materials with limited refinemen[s and upgrades.
Q6 Dwellings with this quality rating are of basic qualiry and lower cosC some may not be suitable for year-round occupanry.Such dwellings are often 6uilt with simple plans or
without plans,often utilizing the lowest qualiry building materials.Such dwellings are often buiit or expanded by persons who are pro(essionally unsklled a possess only minimal
consWCtion skills.Elecvical,plumbing,and other mechanical systems and equipment may be minimal or non-existent.Older dweilings may feaNre one or more substandard or
non-conforming additions to the original saucNre.
Definitions of Not Updated,Updated,and Remodeled
Not Updated
LitUe or no updatfng or rtrodemiza[ion.This desaiption includes,but is not limited to,new homes.
Residential properties of fiReen years of age or less oRen refiect an original condition with no updating,if no major components have been replaced or updated.Those over fiReen
years of age are also considered not updated i/[he appliances,fixwres,and finishes are predominantly dated.An area that is'Not Updated'may s[iil be well maintained and(uily
functional,and this rating does not necessarily impty deferted main[enance or physical lfunc[ional deterioration.
Updated
The area of the home has been modified to meet eurrent market expectations.These modifications are limited in tertns of both scope and cost
An updated area of the home should have an impraved look and feel,or functional utiiity.Changes that constitute upda[es include refurbishment andla replacing components to meet
existing market expectations.Updates do not include significant alterations to the exisUng sWCture.
Remodeled
Sfgnificant finish andlw swaural changes have been made that increase utllity and appeal through complete replacement and/or expansion.
A remodeled area retlects fundamental changes that include multiple alterations.These aiterations may include some or all of the following:replacement of a major component
(cabine[(s),bathtub,or bathroom tile),relocatlon of plumbinglgas fixtureslappliances,significant structural al[erations(relocatlng walls,andlor the addition of square footage).
This would include a complete gutting and rebuiid.
Explanation of Bathroom Count
The numher of full and haif baths is reponed by separatlng the two values by a period.The fu11 bath is represented to the left of the period.The half ba[h count is represented to the
right of the period.Three-quarter baths are to be counted as a futl bath in all cases.Quarter baths(bath5 tha[feaWre only toite[)are not[o be included in[he bathroom count.
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Uniform Appraisal Dataset Definitions FlIeNo. 13-153
Abbrevtations Used in Data Standardization Text
Abbrev. Full Name Appropriate Fields Abbrev. Full Name Appropriate Fields
ac Acres Area,Site Mtn Mowtain�ew View
AdjPrk Adjacent to Park Laation N Neutral Laation&Yew
AdPwr Adjacent m Power Lines LaaUon NonArm Non-Artns Length Sale Sale ar Ffnancing Concessions
A Adverse Laatlon&View BsyRd Busy Road Laation
ArmLth Arms Length Saie Sale or Finandng Concessions o Other Basemern&Fnished Rooms Below Grade
ba Bathroom(s) Basement&Finished Rooms Bebw Grade Prk Park Vew Vew
br Bedroom Basement&Finished Rooms Below Grade Pstrl Pastoral Vew Y�ew
B Beneficial Lacation&�ew PwrLn Power Lines Vew
Cash Cash Sale or Financing Concessions PubTm Public Transportatioo LaaUon
CrySky City Y�ew Skyline�ew Yew rt Recreational(Rec)Room Basemem&Finished Rooms Below Grade
CryStr Ciry Street Vew Vew Relo Relaation Sale Sale a Financing Concessions
Comm Commercial IntNence Location REO REO Sale Sale or Financing Concessions
c Contracted Date Date of Sal�me Res Residential LaaGon&�ew
Conv Conventlonal Sale a Fnancing Concessions RH USDA—Rural Housing Sate a Financing Concessions
CrtOrd Court Ordered Sale Sale a Financ(ng Cancessions s Settlement Date Date af Sal�me
DOM Days On Market Data Sources Short Short Sale Sale w Financing Concessions
e Expuatlon Date Date of Sal�me sf Square Feet Area,Site,Basement
Estate Estate Sale Sale or Fnancing Concessions sqm Square Meters Area,Site.Basement
FHA Federal Housing Authoriry Sale or Flnancing Concessions Unk Unknown Date of SalelTime
GlfCse Go�Course Locauon VA Veterans AdministraCron Sale a Fnancing Concessions
Glfvw Golf Course�ew Vew w W�hdravm Date Date of Saldi'ane
Ind Industrial Location&�ew wo Walk Out Basement Basement&Flnished Rooms Below Grade
in Interior Only StaQS BasemerK&Finished Rooms Below Grade wu Walk Up Basement Basement&Flnahetl Rooms Betow Grade
Lndfl Landfill Laation WtrFr Water Frontage Locatlon
LtdSght LimitedSight Yew Wtr Water�ew Vew
Lis6ng Listing Sale a Financing Concessions Woods Woods Vew Vew
Other Appreiser-Defined Abbreviations
Abbrev. Fuil Name Appropriate Fields Abbrev. Fuil Name Appropriate Fields
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, ' ADDENDUM
� Borrower. WA Fle No.: 1&153
PropertvAddress: 834 Grantham Road Case No•
Citv:Grantham SMate• PA Zio• 17027
Lender. Sean M.Shullz,Esquire
Neighborhood Description
The subject properry is located in Upper Allen Township,Cumberiand County. The subject property is located in an area
that is part of the West Shore. The West Shore consists of various municipalities located west of the City of Harrisburg.
Harrisburg is the state capital of Pennsylvania. Both the West Shore and Harrtisburg are the major population and
employment and shopping centers for southem Central Pennsylvania.
aeae�e�n va�t an
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, ' SUBJECTPROPERTYPHOTOADDENDUM
. Borrdwer:N/A File No.: 13-153
Prooertv Address:834 Grantham Road Case No•
City:Grantham State•PA Zip•17027
Lender:Sean M.Shultz,Es wre
FRONT VIEW OF
SUBJECTPROPERTY
Appraised Date:Juiy 3,2013
- _ Appraised Value:$175,000
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- Borrowe N/A File No.: 1&153
Pro e ddress:834 Grantham Road Case No.:
C' :G ntham State:PA Zi :17027
Lender: ean M.Shultz Es uire
COMPARABLESALE#1
2204 Boxwood Lane
Sale Date:s04/13;c03/13
_ Sale Price:S 172,500
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Sale Date:s11/12;c09/12
Sale Price:$160,000
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�„° Sale Price:$190,000
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LOCATION MAP
Borro er:N/A File No.: 13-153
Pro e Address:834 Grantham Road Case No.:
C' : rantham State:PA Zi :17027
Lende:Sean M.Shultr Es uire
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Rev-1503 EX+(6-98)
SCHEDULE B
STOCKS & BONDS
COMMONWEALTH OF PENNSVLVANIA
INHERITANCE TAX RETURN
RESIDENTDECEDENT
ESTATE OF FILE NUMBER
Watts, Elizabeth ster Llo d 21-13-0690
All p operty jointlyowned with right oi survivorship must be disclosed on Schedule F.
ITEM CUSIP VALUE AT DATE
NUMBER NUMBER DESCRIPTION UNIT VALUE OF DEATH
1 47 shares f MetLife, Inc.Stock-See attached Valuation 2,097.38
2 523 shares of Energizer Holdings, Inc.stock-See attached 49,311.06
Valuation
TOTAL(Also enter on Line 2, Recapitulation) 51,408.44
(If ore space is needed,additional pages of the same size)
Copyright(c)2002 form software only The La kner Group, Inc. Form PA-1500 Schedule B(Rev.6-98)
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Estate Valuation
Date of Death: 06/09/2013 Estate of: Estate of Elizabeth E. Watts
Valuation Date: 06/09/2013 Account: MetLife
Processing Date: 08/22/2013 Report Type: Date of Death
Number of Securities: 1
File ID: MetLife Stoc�:
Shares Security Mean and/or Div an� Int Security
or Par Description High/As4: Low/Bid Adjustments Accruals Value
1) 97 METLIFE INC (591 6R108)
COM
New York Stock E change
06/04/2013 95.02000 43.67990 H/L
99.349950 2,089.95
Div: 0.275 Ex: 0 /07/2013 Rec: 05/09/2013 Pay: 06/13/2013 12.93
Total Value: $2,089.95
Total Accrual: 512.93
Total: $2,097,38
Page 1
This report was produced with EstateVal, a product of Estate Valuations & Pricing Systems, Inc. If you have questions,
please contact EVP Systems at (818) 313-6300 or www.evpsys.com. 1Revision �.3.1)
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Estate Valuation
Date of Death: 06/09/2013 Estate of: Elizabeth E. Watts
Valuation Date: 06/04/2013 Account: Energizer Holdings, Inc.
Processing Date: 06/19/2013 Report Type: Date of Death
Number of Securities: 1
File ID: Energizer Holdings, Inc.
Shares Security Mean and/or Div and Int Security
or Par Description High/Ask Low/Bid Adjustments Accruals Value
1) 523 ENERGIZER HLDGS NC (29266R108)
COM
New York Stock E change
06/09/2013 94.59000 93.18000 H/L
93.885000 49,1��1.3E
Div: 0.9 Ex: OS/ 7/2013 Rec: OS/21/2013 Pay: 06/11/2013 �09.�0
Total Value: 599,101.86
Total Accrual: $209.20
Total: 549,311.06
Paqe 1
This report was produced with Est teVal, a product of Estate Valuations & Pricing Systems, Inc. If you have questions,
please contact EVP Systems at (818) 313-6300 or www.evpsys.com. IRevision 7.3.1)
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Rev-7508 EX+���_�0)
SCHEDULE E
pennsylvania CASH, BANK DEPOSITS, & MISC.
DEPARTMENT OFREVENUE
INHERITANCETAXRETURN PERSONAL PROPERTY
RESIDENT DECEDENT
ESTATE OF FILE NUMBER
Watts, Elizabeth ster Llo d 21-13-0690
I lude the proceeds of litigation and the date the proceeds were received by the estate.
All p perty jointly-owned with the right of survivonhip must be disclosed on schedule F.
ITEM VALUE AT DATE
NUMBER DESCRIPTION OF DEATH
1 2005 Chevrolet Astro-S e attached valuation 4,301.00
2 Ameriprise Financial Ac ount No.00044550059 8 133-See attached letter from Ameriprise 14,128.66
Financial dated July 24, 013
3 Brethren in Christ Found tion TAP Account#3300-See attached letter dated July 25,2013 12,688.02
from BICF
4 Citizens Bank Checking ccount No.6100706990-See attached letter dated August 16,2013 159.47
from Citizens Bank
5 Citizens Bank Checking ccount No.6100786382-See attached letter dated August 16,2013 3,815.27
from Citizens Bank
6 Sun Life Financial Annui 54-5600-073807-See attached letter dated August 20, 2013 from 40,823.60
Sun Life Financial
7 TIAA CREF Contract No. 8317640-See attached letter dated February 4,2014 from TIAA 88,778.54
CREF
8 Virtus Mutual Fund No.6 9184439 transferred on death to Richard A.Watts and Tonya W. 38,527.72
Brown-See attached le r from Virtus Investment Partners dated August 9, 2013
TOTAL IAlso enter on Line 5, Recapitulation) 203,222.28
(If ore space is needed,additional pages of the same size)
Copyright(c)2010 form software only The La kner Group,Inc. Form PA-1500 Schedule E(Rev. 11-10)
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Ameriprise RiverSource Life Insurance Company
� Ameriprise Financial Company
Financiat 70100 Ameriprise Financial Center
Minneapolis,MN 55474
July 24,2013
SAIDIS,SULLIVAN&RO ERS
26 WEST HIGH STREET
CARLISLE,PA 17013
23266187 6 001
Dear SAIDIS, SULLIVAN ROGERS:
Thank you for your recent inquiry regarding ELIZABETH WATTS's accounts. These are the values of the
accounts as of 06/04/2013.
Account Information
Basic Brokerage with ONE
Account Number Ownership
00044550059 8 133 Individual
Basic Brokerage with NE
Account Number Total Value
00044550059 8 133 $14,128.66
,M1ed Mlame:A�taeriQrise t�l�Fira ' Ax�nur�. EI.IZV�ETH IiVATTS
Acs3 Nk�SD 1�i �etT�pe:Nar�ed
a P�? p��*�s�,� � !#h:_ s�tdrY-:• �y�� ! ...MJ�:s..
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W�LS�A[B�TAt�El133ET �F7E H/hL�D YIl91�FARGf1 t,H��4 ' t3.0d ; 'l3.T74�
,71LLJ�Gl�17ld!I�CL I� . ,. F�1,�I�E�
�Se�D�1RTbEaC S�t�.iBfi I
The date of death values pr vided are for estate tax purposes and are not a value to be paid. Accounts may be
subject to market fluctuatio as governed by each product. Please note that the values indicated for any Life
Insurance product(s)with th insured deceased reflect the gross death benefit at date of death and not the cash value.
Values indicated for Life In urance Products with only the owner deceased reflect the cash value as of the date of
death. Values for any pro rietary mutual funds include accrued dividends as applicable. Values provided for
brokerage products are ma ally calculated, and should be used as estimates only. The prices used to provide
values are estimates obtaine from outside sources believed to be reliable. Ameriprise Financial provides these
values as a service to its clie ts. Actual values used in preparation of tax returns or for planning purposes should be
verified by your legal and ac ounting advisors.
We appreciate the opporluni to be of service to you. Please contact us if you have any questions.
Sincerely, Insurance and annuities
are issued by RiverSource
Pinky Kanojiya Life Insurance Company,
Death Settlements Processin Team an Ameriprise Fnancial
Ameripnse Financial Center company.Ameriprise
Brokerage is provided
by Ameriprise Fnancial
Services,Inc.Ameriprise
Fnancial Services, Inc.
Member FINRA and SIPC.
,�„� �_� �. ,�.��.� � __
Minneapolis,MN 55474
1-800-862-7919,Option 5,a k for Estate Settlements
CC:
RONALD PATRICK LEUS HEN
DSO 643 '
Rep 0000080857
�, f�, . :._.,., � .� � � _ . . �-
Jul 2 s 20�3
BICF
Brethren in Christ
FOUNDATION FinanciaZServices forFaithful Stewards
POST OFFICE BOX 290
431 GRANTHAM ROAD
GRANTHAM, PA 1 7027 July 25,2013
Mr. Sean M. Shultz
Saidis, Sullivan&Ro rs
26 West High Street
Carlisle,PA 17013
RE: Estate of Eliza eth Watts
SS#: 168-26-7 09
Dear Mr. Shultz:
At the time of her deat on June 4,2013,Elizabeth Watts had one account with the Brethren in Christ
Foundation. Thrift Ac umulation Flan(TAP)Account#3300 had a balance of$12,686.98 as of Mrs.
Watts' death. The acc ed interest was$1.04 with a total date of death value of$12,688.02. The
account was opened o May 21, 2001. There are no joint owners or beneficiaries on the account.
If I can be of further a sistance,please do not hesitate to contact me at 717-796-4788,Extension
#5420, or at klehman bicfoundation.or .
Sincerely,
� �
�Yr�:�
Kimberly J. Lehman
Account Officer
KJL/kj 1
Phone (717) 796-4788 • Fax: (717) 697-7714 • E-mail: info@bicfoundation.org
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,
AU6`� 9 2013
������` � ����� One Citizens Drive
ROP112
Riverside,RI 02915
August 16, 2013
LAW OFFICES OF SAID , SULLNAN&ROGERS
ATTN: SEAN SHULTZ
26 WEST HIGH STREET
CARLISLE,PA 17013
Estate of ELIZABETH E ATTS
Date of Death: Jun 04,2013
SSN: 168-26-7309
Dear Sir/Madam:
In accordance with your re uest,the attached information sheet has been provided in the above decedent's
name as of his/her date of eath. Per your request the decedent held a jointly owned safe deposit box at
the branch located on 2 W st Main Street,Mechanicsburg,PA 17055. The branch phone number is 717-
766-4743. Both enclosed ccounts were Mellon Bank converted accounts that converted in Apri12002,
as joint accounts with exis ing account titles.
For Instaliment Loans or ine of Credit accounts,contact our Loan Department at 1-800-708-6680. For
all other inquiries,please 11877-579-2667 option 2.
Sincerely,
�. �c��v
Kim A. Botelho
Decedent Account Process g
REF#: 605181
..�}.� .�� � ,� � .:�� :s������ ����� �� �
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Account Number 6100706990
Account Title CLYDE ROBERT WATTS /ELIZABETH E WATTS
Date O ened 6/6/1966
Account T e Checkin
Principal Balance as of OD $159.47
Interest from Last Postin to DOD $ .00
Account Balance as of D D $159.47
YTD Interest to DOD $ .00
y�., _, � _ ., � .;�,�.�.� �-� ��b,,,;,;�.� , �- �� ...� .���. �,,� .,..�.��,� :
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Account Number 6100786382
Account Title CLYDE ROBERT WATTS/ELIZABETH E WATTS
Date O ened 12/17/1982
Account T e Checking
Principal Balance as of OD $3814.13
Interest from Last Postin to DOD $ .OS
Account Balance as of D D $3814.18
YTD Interest to DOD $1.09
�
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�� AUG 2 6 2013
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� Sun Life Fioancial
Sun ����' �� I
'���`e� Annuity Operations&Customer Service
Life Financi 1� One Sun Life Executive Park
P.O.Box 9133
Wellesley Hills,MA 02481-9133
Tel: 800-752-7216
Fax: 781-304-5383
August 20, 2013
i
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Sean M Shultz I
Saidis, Sullivan &Roge�s
26 West High St �
Carlisle, PA 17013 �
�
I
Re: Information you re uested
Contract number: 54-5600-073807
Owner(s): Elizabeth Watts
Dear Mr Schultz
Thank you for writing t us about this Sun Life Financial annuity.
The information you req ested about this annuity is outlined below:
Information bel w is provided as of August 20, 2013
Account Numbe 54-5600-073807
Account Issued A ri120, 1992
Manner of Accou t Elizabeth Watts Owner&
Annuitant
Value as June 4, 2 13 $40,823.60
Accrued Interes NA
If you have any questio s, please call our Customer Service Center at 800-752-7216.
Sincerely,
Life Claims Center of E cellence- Annuities
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TIAA I,
GREF I
FlNANCIAL SEfMCE6
February 4,2014
rsrs�ssi�ros
i
Tonya Kay WaCts Brow I
' Sean M Schultz
� 26 West High Street i
Carlisle PA 17013
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Re: V aluation of Annui �ontract(s)/Certificate(s)at Decedent's Date of Death
i
� Dear Tonya Kay Watts B owi�,
' � You have requeated the v lue of the annuity contract{s)lcertificate(s), held by TiAA-CREF,on the dat�of
' � death of Elizabeth E Watt . 'I'his staternent has been prepared for you based on the foliowing information: �
� !
� Name of Decedet�t: Elizabetli E Watts !
� DecedenYs Date of Birth: 06/17/1931 ,
� Decedent's Date of Death 06/04/2013 '
� '
' � �+' E OF ANNUITY CONTRACT(S)/�ERTIFICATE(S) AT
� DECEDENT'S DATE OF DEATH
�
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� C8317640 $88,778.54
U8317G48 $0.�
Total Date of Death �88�778,�4
Value
� Investment in $0.00
� Contract Total Value
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TTA -CREF I�idividual&Institutianal Services,LLC Member FINRA,S1PC, BENEBLJND-VD
tl�d uartcrs: 730 Third Avenue,New York I 0017-3206 Tel: 212-A90-9000
�
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If you havc airy question or need additional informa.tion,please call us at 888 380-6428,Monday to
Friday from 8 a.m. to 7 p.m,, (ET). �ne of our consultants vu�ill be happy to help you. If you're hea.riug
impaired and are a TT'Y phone user,please call us at 800 842-2755.
Sincercly,
DP.i�I°���C:IGl/l!y .�P.1lf�CC� �ECdoit
Bene6ciary Services Team
(TlAA-CI�EF reserves the right to correct any clerical ei7ar in correspondence.)
Annuity contracts and certifcates are issued by Teachcrs Insuranee fuzd Annuity Association(T1AA}and
College Retirement Equities Fund(CREF),New York,NY.
Securities produets are distributed by TIAA-CREF Individual&Inslitutional Services,LLC and Teachcrs
Personai Investors Services,Inc.,members FINRA.
�2010 Teachexs Insurance and Annuity Association-Collcge Retircment Equities Fund(TIAA-C1ZEF'),
730 Third Avenue,New York,NY 10017
1 .
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Aug. 12. 2013 2: 15P� -�' �-�'; .'
� � PO Box f1874 (
PTOv�dehce� RI 0294(1-8074 � 8Q�-?�i3-1�'14 ( L�R?;.7:�.F.OM
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INVESTMENT PARTNERS
ElugUSt 9, 2013
SAIDIS SULLIVAN 8� ROGEEZS
ATTN SEAN M SHUf T7
' FAX (717) 243-64f36
R�; Virtus Mutuai f=unds
Reference Nurnber: 582104745?_
Fund Name: VRTS TAC I ICAI. At_t_OC�TIC�N FL't�Jt���
Accaunt Number: 649�84439
Registration: ELIZAB�T1f �WAT�TS TU�
SUBJECT T�VIR TOD KUt E=:�
Dear Mt Schuliz:
Thank you for your recc;t�t re.�uest fcr inforrttatit�n rcg�rci;nr, ti?�, ��k3„v�� �E.•�����-_,��;-;:'��
account.
As requested, belo�rr is a breakdown of the value as of .�U►���. �O�;j !F�� °•�`��f '.'.;�:i,°.,`7'
NurnE�er of Srar�:�. 3,841.24f3
Price Pe� St�att; (Nf1V}: $"�0_tl3
{ci<�I Accour�;�a�>>c;: $38, 52l.12
The Virtus Tactical Allocation F-�inc3, c;lass R sl�ates, ��ays ��lvfd�rtc3�r �^ :? �a�;�"��ri�' ����i`;,
when declared. �t�he June 2013 dividend rato was�a.a�� ;}er sf��3�{�' ;`;����%f;�,��>`, '{�+�
amOUrit is st�bject tt� Ct��3nye h:��od on the e�rninys of tt�E, `<���.•°�
Qur records indicate th�3t Rich�rti 11. Wafts �nd T�r��r� ��� {ir�r�=�:r� :a�. ;',.. �.;. . . (����T�si€�.
a!� �eath bene�ir,iaries.
-Thank you for the c��a��ortunity t�a be ��f servic.e. [f yt�� f���vc �:��y :�-t�.��.ti„� E� ;�;t:atie cir
not hesitate to contact our Customer Servic� n����;rt�n�p' t�; "-�`��' >��� 'r;T`; :;� ''i`��' �?:��
website at Virtus.corn. We v�ilf h�: h�E�py to assis', yc�4;.
SinCerely,
,�L�'�
Shar.�;on Alien
Acr,�unt Re�r�sentative
h�utua! Funci Service.�
CC : L.A�A�! P�f tNiNG�RT
Mttt:ia': f ur!�is dir>trit>utt�d by VP Ulstributors. �L.C:
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Rev1509 EX+�01•70)
pennsyivania SCHEDULE F
DEPARTMENTOFREVENUE JOINTLY-OWNED PROPERTY
INHERITANCE TAX RETURN
RESIDENT DECEDENT
ESTATE OF FILE NUMBER
Watts, Elizabeth Ester Llo d 21-13-0690
If an asset was made joint within o�e year of tha decedent'a date oi death,it must be reported on schedule G.
SURVIVING JOINT TENANT(S)NAME ADDRESS RELATIONSHIP TO DECEDENT
A. Charles F. Lloyd 73 Hillymeade Drive Brother
Hummelstown, PA 17036
B. Sharon K. Lloyd 73 Hillymeade Drive Sister-in-Law
Hummelstown, PA 17036
C.
JOINTLY OWNED PROPERTY:
DESCRIPTION OF PROPERTY %OF DATE OF DEATH
ITEM LETTER DATE INCLUDE NAME OF FINANCIAL INSTITUTION AND BANK ACCOUNT DATE OF DEATH DECD�S DECEDENT S NTEREST
NUMBER FOR JOIN MADE NUMBER OR SIMILAR IDENTIFYING NUMBER.ATTACH DEED FOR VALUE OF ASSE INTEREST
TENANT JOINT JOINTLY-HELD REAL ESTATE.
1 A,B 08/27/2011 Cabin at Rocky Corner,Camp McCall, PA- 60,000.00 50.000% 30,000.00
See attached First Amendment to the Bylaws
of Rocky Corner Camp Association dated
December 4,2011 (Clyde Robert Watts died
November 21,2012)and See attached email
dated July 10,2013 from the
Secretary/Treasurer of Rocky Corner Camp
Association for valuation
TOTAL(Also enter on Line 6, Recapitulation) 30,000.00
(If more space is needed,additional pages of the same size)
Copyright(c)2010 form software only The Lackner Group,Inc. Form PA-1500 Schedule F(Rev.01-10)
.,: ._ .�..__-�,� � �:.,����: .����,«�._ �� �:��-���.��_����R �-„ . .�
FIRST AMENDMENT TO THE
BITLAWS QF
ROCKY CORNER C•AMP A�SOCIATION
DATED AUGUST 2fi,2401
The undersigned,all of the members of the Racky Corner Camp Ass�ciation, hereby
agree to amend the $ylaws af the Rocky Corner Camp Associati�n with regard to Article I (The
Cotporation}and Article VT (Transferability)by deleting a portion of Article I, Section 2,and by
adding a section ta Article VI dealin,�with transfer upon death t�f a current member.
Articl�I, SecCian 2 shatl be replaced with th�:fallowing language:
S�tion 2 The �urpase of this Corporation shall be to maintain a suitable camp (State
��orest Catnpsite L�ase#7-C-51}for the use of its members.
Article VT sh�ll be amended by adding Section 2,which shall read �s follows:
Section 2 Presently the mernbers in the Corparatian are Charies F. Lloyd,
Sh�ron K, Lloyd, Clyde Robert Watts and Elizabeth VVatts.
Membership is owned equally, Upon the death af Charles F.
Lloyd, hzs interest sha11 transfer ta his wife, Sharon K. Lloyd
and vice versa.' Upon the death of Glyde Robert Watts,his
share shall transfer to Elizabeth Watts and vice versa. Upon
the death of both Charles F. Lloyd anii Sharon K. Lloyd,their
interests sha11 tran�fer tc�their daughter, I�athleen Lloyd Fuller.
Upern the death c�f'bc�th Clyde FCoberi Wafits and Eli•r.,abeth
Watts, their interests shall transfer to their survivin�children in
equal si�ares as is pennissible uzlder the F3ylaws and the laws c�f
the Commanwealth of Pe,nns?jlvania dealing with lease hold
properties. �'ransferabi(ity ofthese shares by any n�w
m�;n3b�.rs shall be subject to the same terms anc�conditions as
� set ti�rth in Artiele VI, Section 1.
't'he remainder of the I3ylaws shall rem�in intact.
Executed as of and to becc�me effective on day o� �,����-�`` , 201 l.
� �
CHARLES F.LLOY ,---�-
�� �
�� ,.. .��
SHARON K. L,I.OYD
�
��� � ��� ���.
C-�ROBERT VVATTS -
. � � � � ����
�� ��
ELIZ�S 1�-I WATTS
A��� _�-- , -���.:.�v � �.�.�r �
� �.; ����.�,.� } �� r_ _
Dolly Hockenberry
Subject: FW: Rocky Corner Camp McCall Dam Road 3 miles north of Rt 192 on right.
From: "Drew Christy" <dchristyCa�dejazzd.com>
Subject: Re: Rocky Corner Camp McCall Dam Road 3 miles north on Rt
192 on right.
Date: July 10, 2013 4:11 :59 PM EDT
To: "Charles Lloyd" <chas110vdCa�verizon.net>
Reply-To: "Drew Christy" <dchristyC�dejazzd.com>
Hello Charlie, As we discussed, do to the slow market conditions over the past years ,the value
of this cabin remains the same at$60000.00. Thank you,
Drew Christy
Associate Broker
Lic# AB548329L
Prudential Hodrick Realty
1100 West Market Street
Lewisburg PA 17837
P. 570-523-1000
C. 570-768-7628
dchris�(�a,dei azzd.com
----- Original Message ----- From: "Charles Lloyd" <chas110vd(cr�,verizon.net>
To: "Drew Christy" <dchristy_(a),dejazzd.com>
Cc: "Charlie Lloyd" <chas110�d�a�,verizon.net>
Sent: Wednesday, July 10, 2013 4:04 PM
Subject: Rocky Corner Camp McCall Dam Road 3 miles north on Rt 192 on right.
Drew,
Thanks again for verbally confirming the value of Rocky Corner has remained unchanged at
$60,000.00.
If you would be kind enough to respond to this email in the affirmative, I will relay same to my
niece.
We have absolutely no interest in selling the cabin, it will remain in our collective family,
i
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i , _ . . � � �� _ ... . .
hopefully for years to come.
That was the intent when my brother-in-law, Bob Watts and I purchased it. Their children would
appreciate your
confirmation as they are settling their father& mother's estate, Bob passing in November, Betty,
his wife,
my sister, passing in June. Any questions please call me at the number below, or email me.
Thanks again for your assistance,
Charlie Lloyd
Secretary/Treasurer
Rocky Corner Camp Assn.
717 503-2862 cell
chasl l 0�n,verizon.net=
2
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Rev-1510 EX+�OS-09)
SCHEDULE G
pennsylvania lNTER-VIVOS TRANSFERS AND
DEPARTMENT OF REVENUE
INHERITANCETAXRETURN MISC. NON-PROBATE PROPERTY
RESIDENT DECEDENT
ESTATE OF FILE NUMBER
Watts, Elizabeth Ester Llo d 21-13-0690
This schedule must be completed and filed if the answer to any of queslions 1 through 4 on page lhree of Ihe REV-1500 is yes.
ITEM DESCRIPTION OF PROPERTY DATE OF DEATH %OF DECD'S EXCLUSION TAXABLE
NUMBER THE DA E OF TRANSFERSATTACH A COPY OF TIHE DEED�OR REAL ESTATE. VALUE OF ASSET INTEREST �IF APPLICABLE) VALUE
1 Nationwide Annuity No.01-7553012-See attached 42,704.50 42,704.50
letter dated November 25,2013 from Nationwide-
beneficiaries Richard A.Watts and Tonya W. Brown
2 Heritage Investment Services Fund#1011267-See 23,334.30 3,000.00 20,334.30
attached letter dated July 25,2013. Tonya Kay Watts
Brown added to account on January 8,2013
3 He�itage Investment Services Fund#1012693-See 22,153.18 3,000.00 19,153.18
attached letter dated July 25,2013. Richard Allen
Watts added to account on January 8, 2013
TOTAL(Also enter on Line 7, Recapitulation) 82,191.98
(If more space is needed,additional pages of the same size)
Copyright(c)2009 form software only The Lackner Group, Inc. Form PA-1500 Schedule G(Rev.08-09)
�__�. �;., � ���� ..�.�,.���. . ,.,�.�,.V,...�_� _��.,�.�
DEC'�� 0 2013
u��� �;
�,� �� �-� Nationwide Financial
Individual Annuity Service Center
x' �' PO Box 182021
�"� �� Columbus,OH 43272-4415
��
• • :�;
November 25, 2013
Mr. Sean M. Shultz, Attorney at Law
Law Offices of Saidis, Sullivan & Rogers
26 W. High St.
Carlisle, PA 17013 ,
Re: Annuity contract 01-7553012
Elizabeth Watts: Owner and Annuitant
Dear Mr. Shultz,
We are in receipt of your correspondence requesting information regarding the annuity
contract listed above.
Annuity contract 01-7553012 was a non-qualified variable annuity. Elizabeth Watts was
the sole owner/annuitant. The value of this annuity contract as of June 4, 2013 was
�42,704.SU (ta� cost basis $25,OOO.UO / Post Tefra). The beneficiaries were listed as
Richard A. Watts and Tonya W. Brown. They both claimed their portion of the funds.
Should you need further assistance you may contact our Annuity Service Center at (800)
848-6331. Our representatives are available to assist you Monday through Friday
between the hours of 8:00 am and 8:00 pm, Est.
Sincerely,
1
���� ���
�
Nathalie Brown
Individual Annuities
Nationwide Financial
■ JUL� 2 6 2013
HERITAGE INVESTMENT
SERVICES FUND
An investnrent that works
luly 25, 2013
Saidis, Sullivan & Rogers
26 West High Street
Carlisle, PA 17013
Attention: Sean M. Shultz
RE: Elizabeth E.Watts
Date of Death: June 4, 2013
SSN: 168-26-7309
Dear Mr. Shultz:
In response to your letter dated July 17, 2013, please find the information requested below.
1. Account Numbers: 1011267 & 1012693
2. Date opened: 11/5/09 for#1011267 and 5�16/11 for#1012693 '
3. Both were opened as a joint account for Clyde R Watts as:Primary and Elizabeth E Watts
as joint. Primary passed away and on 1/8/13 Elizabeth became Primary and named
Tonya Brown as joint on#1011267 and Richard Watts as joint on #1012693.
4. Balance as of June 4, 2013 is$45,487.48 (see enclosed statement)
5. Current balance is $45,782.21 as of today 7/25/13 (see enclosed statement)
Please do not hesitate to contact me if you have any questions.
Sincerely,
�'X-2�c•t.�� ���
Denise Folk
Administrative Assistant
Enclosures
� KACEY COURT,STE 101 MECHANICSBURG>PA 17055 . Toll Free: 866.219.02�20 . P: 717.796.9784 . F: 717J95.9565
�....�-,�. �� �
■
3 Kacey Ct Ste 101
Mechanicsburg PA 17055-9221
(717)796-9784 .
HERITAGE INVESTMENT
SERVICES FUND
An investment thntworks
Elizabeth E Watts
834 Grantham Rd :Jun 04,2013
PO Box 80
Grantham PA 17027-0080
Account Rate Matures Deposits Interest Withdraws Penalties Balance
7071267 4.50% 515I2017 0.00 173.76 0.00 0.00 23 334.30
1012693 5.00% 511612016 0.00 182.97 0.00 0.00 22153.18
Pa e 1 ENDING BALANCE•(includes unposted interest)$45,487.48
. � x. :� � v_ _�__ � � � ,_ __ �.� � , , .� .
■
3 Kacey Ct Ste 101
Mechanicsburg PA 17055-9221
(717)796-9784 s
HERITAGE INVESTMENT
SERVICES FUND
An investrnent thntworks
Elizabeth E Watts
834 Grantham Rd :Jul 25,2013
PO Box 80
Grantham PA 17027-0080
Account Rate Matures Deaosits Interest Withdraws Penalties Balance
1011267 4.50% 51512017 0.00 259.74 0.00 0.00 23 477.64
1012693 5.00% 511612016 0.00 273.T6 0.00 0.00 22 304.57
paqe 1 ENDING BALANCE:(includes unposted interest)545.782.21
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REV-7511 EX+�10-09) gCHEDULE H
pennsylvania
DEPARTMENTOFREVENUE FUNERAL EXPENSES AND
RESIDENTDECEDENT URN ADMINISTRATIVE COSTS
ESTATE OF FILE NUMBER
Watts, Elizabeth Ester Lloyd 21-13-0690
Decedent's debts must be reported on Schedule I.
ITEM DESCRIPTION AMOUNT
N MBER
q. FUNERAL EXPENSES:
See continuation schedule(s) attached 6,027.09
B. ADMINISTRATIVE COSTS:
1. Personal Representative's Commissions
Name of Personal Representative(s)
Street Address
City State Zio
Year(s)Commission Paid
2, Attorney's Fees Saidis, Sullivan 8 Rogers 4,500.00
3, Family Exemption: (If decedent's address is not the same as claimant's,attach explanation)
Claimant
Street Address
City State Zi�
Relationshi�of Claimant to Decedent
4. Probate Fees 548.50
5. AccountanYs Fees
6. Tax Return Preparer's Fees
7. Other Administrative Costs 7,144.65
See continuation schedule(s)attached
TOTAL(Also enter on line 9, Recapitulation) 18,220.24
Copyright(c)2009 form software only The Lackner Group,Inc. Form PA-1500 Schedule H(Rev. 10-09)
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SCHEDULE H
FUNERAL EXPENSES AND ADMINISTRATIVE COSTS
continued
ESTATE OF FILE NUMBER
Watts, Elizabeth Ester Lloyd 21-13-0690
ITEM
NUMBER DESCRIPTION AMOUNT
Funeral Ex ep nses
1 Cocklin Funeral Home 4,932.37
2 Grantham Brethren in Christ-lunch after funeral 127.25
3 John Navratil -Memorial 967.47
H-A 6,027.09
Other Administrative Costs
4 Bassett Appraisal-appraisals of 826 and 834 Grantham Road 800.00
5 Cumberland Law Journal-advertise letters 75.00
6 Encompass -Fire insurance for 826 Grantham Road property 528.00
7 Josh Brown-pool pump 245.96
8 Karen Conroy-home inspection of 834 Grantham Road 400.00
9 PPL Electric Utilities 96.33
10 PPL Electric Utilities 114.76
11 Randy Cassell Construction-Garage Roof for 834 Grantham Road property 4,771.60
12 The News-Chronicle Co. -advertise letters 113.00
H-67 7,144.65
Copyright(c)2002 form software only The Lackner Group, Inc. Form PA-1500 Schedule H(Rev.6-98)
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Rev-1512 EX+(�p-08)
SCHEDULE 1
pennsylvania DEBTS OF DECEDENT,
DEPARTMENT OF REVENUE
INHERITANCETAXRETURN MORTGAGE LIABILITIES AND LIENS
RESIDENT DECEDENT
ESTATE OF FILE NUMBER
Watts, Elizabeth Ester Lloyd 21-13-0690
Report debts incurted by the decadent prior to death that remained unpaid at the date ot death,Including unreimbursed medical expenses.
ITEM VALUE AT DATE
NUMBER DESCRIPTION OF DEATH
1 American Home Patient-Hospital Bed Rental 130.04
2 Berkheimer Inc. 314.80
3 Dennis Zerbe,Tax Collector-826 Grantham Road 1,416.29
4 Dennis Zerbe,Tax Collector-834 Grantham Road 2,322.46
5 Everence-health insurance premium 20.15
6 GE Capital -health care credit card 25.00
7 GE Capital -sleep number bed 2,991.06
8 United Water 29.57
9 Upper Allen Township-Sewer 112.00
10 Upper Allen Township-Sewer 112.00
11 Verizon-final bill 143.74
12 York Waste Disposal 39.03
TOTAL(Also enter on Line 10, Recapitulation) 7,656.14
(If more space is needed,additional pages of the same size)
Copyright(c)2008 form software only The Lackner Group,Inc. Form PA-1500 Schedule I(Rev. 12-08)
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REV-1573 EX+(01-10)
pennsylvania SCHEDULE J
DEPARTMENT OF REVENUE
INHERITANCE TAX RETURN BEN EFICIARIES
RESIDENT DECEDENT
ESTATE OF FILE NUMBER
Watts, Elizabeth Ester Llo d 21-13-0690
NAME AND ADDRESS OF RELATIONSHIP TO SHARE OF ESTATE AMOUNT OF ESTATE
NUMBER PERSON(Sl RECEIVING PROPERTY DECEDENT (Words) ($$$)
I� TAXABLE DISTRIBUTIONS [include outright spousal
distributions,and transfers
under Sec.9116 a 1.2
Tonya Kay Watts Brown Daughter 1/2 residue of
109 Slover Road estate
Mechanicsburg, PA 17055
Richard Allen Watts Son 1/2 residue of
502 W.Siddonsburg Road estate
Dillsburg, PA 17019
Total
Enter dollar amounts for distributions shown above on lines 15 throu h 18 on Rev 1500 cover sheet,as a ro riate.
NON-TAXABLE DISTRIBUTIONS:
II. A.SPOUSAL DISTRIBUTIONS UNDER SECTION 9113 FOR WHICH AN ELECTION TO TAX IS NOT TAKEN
B.CHARITABLE AND GOVERNMENTAL DISTRIBUTIONS
TOTAL OF PART II -ENTER TOTAL NON-TAXABLE DISTRIBUTIONS ON LINE 13 OF REV-1500 COVER SHEET
Copyright(c)2010 form software only The Lackner Group, Inc. Form PA-1500 Schedule J(Rev.01-10)
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OF
ELIZABETH ESTER LLOYD WATTS a/k/a ELIZABETH ESTER, ATT
� I, ELIZABETH ESTER LLOYD WATTS, alk/a ELTZABETH
� ESTER WATTS, of Grantham, Cum.berland County, Pennsylvania, do make,
' publish and declare this to be my Last Will and Testament, hereby revoking
all Wills and Codicils by me heretofore made.
' ITEM I: Familv Information. I am maz�ried to
CLYDE ROBERT WATTS, and all references to my husband in this Will axe
� to him. I have two children: RICHARD ALLEN WATTS, and TONYA KAY
� WATTS BROWN. t�ny person born to or adopted by issue of mine is to be
� . included as issue of mine. Provided, however, no adopted person shall benefit
' under this Will unless the order or decree of adoptian ia entered before the
�
;
adopted person attains the age of twenty-one (21) years.
�
; rTEM II: Death Taxes, I direct that all
( inheritance and estate taxes becoming due by reason of my death, whether
! payable by my estate or by any recipient of any property, shall be paid by the
� E�ecutor out of the residue of my estate, as an expense and co�t of
�
� administration of my estate, except that no taxes shall be charged against any
I gift qualifying for the marital or charitable deduction in my estate. The
� Executor shall have no duty ar obligation to obtain reimbursement for any
� such tax so paid, even though on proceeds of insurance or other property not
iT.aw Officea of
s��s passing under this Will.
I •
� Sullivan
8� Rogers ITEM III: Debts and Fi.nal Expenses. I direct the
I 635 North 12ch Screc.� Executor to pay the expenses of my last illnesa, my legally enforcea.ble debts,
sw«400 and m funera.l ex enses from the residue of in estate as an ex ense and cost
I,cmoyne,PA 17043 y p y p
; o£administration of my es�tate.
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ITEM IV: Tan 'g�ble Personal Propertv.
(a) Written List. I may leave a written list in my safe
deposit box or elsewhere disposing of certain items of my tangible
personal property. The Executor shall dispose of items of my
� personal property as specified in the wxitten list. If no written
list is found in my safe deposit box or elsewhere and properly
identified by the Executor within thirty (30) days after the
�robate of my Will, it shall be presumed that there is no other
� etatement or list. Any subsequentiy discovered list shall be
ignored.
(b) If Husband Survives. If I die before my husband,
' CLYDE ROBERT WATTS, I gi.ve to him all my tangible personai
, property not set forth in the written list referenced in paragraph
(a), including but not limited to, aU. of my household furniture
; and furniehings, books, pictures, jewelry, silverware,
automobiles, wearing apparel and all other articles of houaehoid
or personal use or adornment and all policies of insurance
thereon.
�
; (c) Tf Husband Predeceases. If I �urvive my husband, I
� give any property of the type described in paragraph (b) and n.ot
; set forth in a written list to my children, to be divided between
! them as they shall agree. The Executor shall represent any
� minors in the division of this property. Should there be no
agreement, this property shall be clivided between my children by
' ' the Executor in as nearly equal portions as is deemed practical in
' Law Offices of the discretion of the Execu�or, having due regard ta the peraonal
S��s preferences of the beneficiaries. If the �xecutor thi.nks any
. 5ulliva,n pxoperty to which a minor child would become enti.tled i�
& Rogers unsuitable for the child's use, the property shall be sold and the
635 North 12ch Strcct
s��e�ao proceeds shall be added to the share of my residuaxy estate held
, �t"°'"'�,PA lro�3 , for the benefit of that child. The Executor may doliver any
' property to which a minox is entitled and which is not sold to the
�
' person with whom the minor resides or who has the care or
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� control of him or her (without bond), and the receipt of that
person shall be a complete release of the Executor.
ITEM V: Re i ue. T give the residue of my
� estate, r�ot disposed of in the preceding portions of this Will, to my husband,
' • CLYDE .ROBERT WATTS, if he survives me. If he does not survive me, I give
the residue to my chz�dren, in equal ahares. If any of my children do not
survive me, the share of my deceased child ahall be paid to his or her then
living issue, per stirpes.
ITEM VI: Administrative Powers. In addition to
; , the powers granted at law, the Executor shall posseas the following powers,
� each of which shall be construed broadly and may be exercised without court
' approval, but in a�.duciary capacity only:
; (a) R.etain Investmenta. To retain any i.nvestments I
have at my death, including specifically those consisting of stock
of any bank even if I have named that bank as the Executor.
(b) Varv Investments. To vaxy investments and to
invest in bonds, stockg, notes, real estate mortgages or other
securi�ies or in other property, real or personal, without being
restricted to so-called"legal investments," and without being
limited by any statute or rule of law regarding investments b�
' fiduciaries.
{c) Division of Assets. In order�o divide the principal
af my estate or rnake clistributions, the Executor is authorized to
�W°�'��°f distribute personal property and real property partly or wholly in
' Saaiclis kind, and ta allocate specifie assets among beneficiarxes so long
Sullivaan . as the total market value of each share is not af£ected by the
& Rogers division, distrzbution or allocation in kind. The Executor is
635 Nnrth 12th Stccct
su«��«� authoriz�d to make,join in and coneummate parti�ions of lands,
L.cmoyne,I'A 17043
voluntari�y or involwntarily, inclucling giving of mutual deeds, or
; other obligations, wi�h as wide powers as an i.ndividual owner in
, fee simple.
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(d) Sell Assets. To sell either at public or private sale
. any or all real or personal propexty severally or in conjunction
. with other persons, and to consummate sale(s) bq deed(s) or other
instrument(s} to the purchaser(s), conveqing a fee simple title.
� No purchaser shall be obligated to see to the application of the
' purchase money or to make inquixy into the validity of any sale.
The Executor is authorized to make, execute, acknowledge and
deliver deeds, assignments, options ar other writings as
necessaxy or canvenient to carry out the powers conferred upon
� the Executor.
(e) Encumber Real Estate. To mortgage real estate,
and to make leases of real estate.
{� Borrow Monev. To borrow money from any person,
' � including the Executor, to pay indebtedness of mine or of my
estate, expenses of adnair�istration or inheritance, legacy, estate
� and other taxes, and to assign and pledge assets o£my estate.
�
� (g) Pa�Costs. To pay all costs, taxes, expenses and
charges in con.nection with the administration of my estate.
i
; .
� (h) Distributions without Court Order. To make
;
' distributions of income and of principal to tho proper
' beneficiaries, during the administration of my estate, wi�h or
without court order, in such manner and in such amounts as my
Executor deems prudent and appropr�iate.
Law O�ces of �1� Ri�hta as Stockholder. To exercise voting rights
s�� with xespect to securities which farm a part of my estate, and to
; Sulliva.n exerci.se all the powers incident to the ownership of securities.
& Rogers
� G35 North l2th Streec
s���400 (j) Reorganize. To unite with other owners of property
I.cmoync,PA!"1043
: similar to property in my estate to carry out any plans £or the
' � reorganization of any company whose secur�ties form a pax�t of
my estate. �
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� (k) Disclaim. To disclaa.tn any interest in property
' which would devolve to me or my estate by whatever means,
�
� i.ncluding but not limited to the following means: as beneficiary
under a will, as an appointee under the exercise of a power of
appointment, as a person entitled to take by intestacy, as a donee
; of an inter vivos transfex, and as a donee under a third-party
� beneficiary contxact.
(1) Tax R,eturns. To prepare, execute and file tax
returns of any type required by applicable law, and to make all
tax elections authoxized by law.
(m) Allocate E�enses. To allocate adxninistrative
! expenses to i.z�come or to principal, ae the Executor deems
; appropriate. However, no allocation to incoxne shall be made i.f
� the effect of the alloca�ion ie to cau�e a reductian in the amount
, of any estate tax marital deduction or estate tax charitable
deduction.
� (n) Emnloy Advisors. To emplay custodians of property,
investment or business advi$ora, accountants and attorneye as
the Executor deems appropriate, and to compensate these
persons from assets of my estate, without affecting the
compensation to which the E�ecutor is entitled.
� (o) Basis Adjustment. To rnake any adjustment to
basis �.uthorized by law, i.ncluding, but not limited to in,creasing
the basis of any property included in m� estate, whether or not
� r aW o�~��of passin� under this V�ill, by allocating any amount by which the
� Saielis bases of assets may be inc�ea�ed. The Executar shall be under
I Sullivan no duty and ahall not be required to allocate basia increase
, & Rogers exclusively, pximarily, or at all to assets which pass as part of my
G35 North 12th Strtet
' s�,;��oo probate estate as opposed to other property for which a basia
Lemoyne,PA 17043 adjnstznent is allowable. The Executor shall allocate basi�
i increase equitably among those beneficia.riea receiving property
I� as a result of my death, but shall not be liable to any person, nor
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,.,. , n,.m��n:_ N-�.�. �- � ��� .�; f�,��.����-�,y. �.��. _ � �
subject to removal or surcharge, for an.y reasonable allocation o£
basis increase.
� {p) Compromise Claims. To.compromise claima.
(q) Other Acts. To do all other acts i.n the Executor's
; judgment deemed necessary or desirable far the proper and
advantageous management, investment an.d distributio�of the
estate.
' ITEM II: Beneficiaries Under A�e 25. If a
benefici.ary under the age of twenty-five (26) yeara is entitled to receive assets
under this Will, the person who served a� Executor of my estate shall retai.n
! those assets as Custodian for the beneficiary under the Pennsylvania Uniform
!
; 'I�ansfers to Minors Act. The Custadian may receive and administer all
� assets authorized by law, and shall have full authority as provided in the
� Penns�lvania Uniform Trans£ers to Minore Act to use asseta in the mazaner
�
' the Custodian deems advisable for the beat interest9 of the beneficiary. I also
' designate the person who served as Executor of my eatate as successor
; Custodian of any property for which I am custodian under any Uniform Gifts
to Minors Act or Unifarm Transfers to Minors Act.
� � ITEM VIII: Sur�crival. Any person wha has died
� within thirty (30) days of my death, or under such circumstances that the
order of our deaths cannot be established by proof, shall be deemed ta have
predeceased me.
TTEM IX: Executors. I make the following
��°t���ee°f provisions with respect to Executors:
'. Saidis
Sullivan (a) Primarv Executor. T appoint my husband, CLYDE
& Rogers ROBERT WATTS, to serve as Executor.
G35 Nortl� 12rh Street
Suite 40(l
Lcmoync,PA 170�I3 (b� Contin�ent Executor. In the event that CLYDE
'� ROBERT WATTS is unable or ref�zses to serve as Executor, I
, appoint my daughter, TONYA KAY W�TTS BROWN, to serve as
,1"
' Fage 6
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Executor. In the event that TONYA KAY WATTS BROWN is
unable or refuses to serve as Executor, I appoint my son,
; RICHARD ALLEN WATTS, to serve as Executor.
(c) Compensation. The Exec�tor shall have the right
; to receive reasonable compensation for services rendered and
� reimbursement for reasonable expen�es.
(d) Standard of Care. No Executor shall be liable or
accountable for any loss that may result from the good faith
exercise of the authority granted in thie Will.
, (e) Securitv. The Executor is specifically relieved frorn
; the duty of filing bond or entering security.
�
,
IN WITNESS WHEREOF, I have set my hand and seai to this,
my Last Will and Testam�ent, cansisting of this and the preceding $ix (6)
� pages, at the end of each page of which I have also set my initials for greater
security and better identification.this a0�day of �G�rn�°, 2011.
` G / .�,I�t, � ,�.�i�/ (sEAi,>
ELI ABETH ESTER LL�YD WATTS
' a/kJa ELIZABETH ESTER WATTS
Lavv OPficea of
w�a.1C�S
Sulliva.n
& Rogers
635 Noah 12th Street
Suitc 400
Lemoync,PA 17043
I ��
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We, the undersigned, hereby certify that the foregoing Will was
signed, sealed, published and declared by the above-named Testatxix as and
far her Last Will and Testament, in the presence of us, who, at her xequest
� and in her presence and in the presence of each other, have hereunto set our
hands and seals the day and year first above written, and we certify that at
the tizne of the execution thereof, the said Testatrix was of sound and
; disposing mind and memory.
�
- �...- (SEAL) Residing at �S�p,l.U����_
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635 Nortl�1ztl�Stteet
' Suim 400
Lemoyn�,PA 17093
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ACKNOWLEDGMENT .
COMMONWEALTH OF PENNSYLVANIt� )
� ) SS:
COUNTY OF �U rn���n� }
I, ELIZABETH ESTER LLOYD WATTS, alk/a ELIZABETH
ESTER WATTS, Testatrix, whose name is signed to the attached or foregaing
instrument, having been duly qualified accorcling to law, do Ytereby
acknowledge that I signed and executed the instrument as my Last Will and
Testament; that I signed it willingly; and that I signed it as my free and
voluntary ac� for the purposes therein expreased.
� � � �� (SEAL)
ELI ABETH ESTER LLOYD
� WATTS, alkla ELIZABETH ESTER
WATTS
Sworn to and subscribed before
me this ��day of��C�m�, 2011.
, Na a ublic
My Commission Expires: GGMMCNWL71L7HOPRENNSYLVANUI
NOTARIAL SEAL
Law Officos af KEILY R.HOWELL,Notary PubliC
(SEAL) I.emCyne 8ao.,Cumberland Courity
$gi�g Commissipn ember 2,2014
SU��vA.ri
St Rogers
635 Norrh 12ch Scrcet
Suice 400
Lemoy�c,PA 17Q43
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�».s—. ,�-n .xe �-r-ss-s�'s!.. �.+s-. . ,._ cHmbwtiKesan��_. : ..:-, __ ,. _..`�sa-,„� > .v_ a+?�#'MNe£ .� ...+�—_ . -_.--�.a�.YI,. . .. . . . .. .-t ... . .-. ...�
AFFIDAVIT
; COMMONWEALTH OF PENNSYLVANTA }
} SS:
COUNTY OF CU�7'l���n� )
' W�, a�a� C�1�`u-r,a J k U��. ,
� the Witnesses whose names are signed to the a�tached or foregoing
, instrument, bei.ng duly qualified according to law, do depose and say that we
were present and saw Testatrix, ELIZABET� ESTER LLOYD WATTS, alk/a
ELIZABETH ESTER WATTS, sign and execute the instrument a� her Last
' Will and Testament; that Testatrix sigmed willingly and that she executed
said V�ill as her free and voluntary act for the purpases therein e�reased;
' that each of us in the hearing and sight of the Testatrix sagned the Will as
'V4�itnesses; and that to the best of our knowledge the Testatrix was at that
ti.me eighteen {18) or more years of age, of sound mind and under no
constrAint or undue influence.
, � �
i � itn ss Wi esa
,
Swarn to a��l subscribed before
me this p�d��'`day of��.m�', 2011.
' Law OftSces of
I
( Sic1.1C1Y$ � '
j Sullivan No ry u lic
� & Roger�t My Commission Expires:
635 North 12th Street CU�'1A70NWRALTH OF'AENNSYLVAMA
i s�c�400 (SEAL) NOTARIAL SFJU.
� Lemoy��,PA 17043 KELLY R HOWELL,Notary puWlc
f Lemoyne 8oro.,Curr�edar�!Co�ty
i M Corr�nissi� s Se tember 2,�D14
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