HomeMy WebLinkAbout06-25-14 � 1505610143
REV-1500 Ex`°2,,, �
OFFICIAL USE ONLY
PA Department of Revenue pennsylvania County Code Year File Number
Bureau of Individual Taxes DEPqRTMENTOFREVENUE
Po BOx.2so6o� INHERITANCE TAX RETURN 21 13 10 97
Harrisburg,PA 17128-0601 RESIDENT DECEDENT
ENTER DECEDENT INFORMATION BELOW
Social Security Number Date of Death Date of Birth
09 28 2013 11 17 1923
DecedenYs Last Name Suffix DecedenYs First Name MI
HOFFMAN RUTH A
(If Applicable)Enter Surviving Spouse's Information Below
Spouse's Last Name Suffix Spouse's First Name MI
Spouse's Social Security Number
THIS RETURN MUST BE FILED IN DUPLICATE WITH THE
REGISTER OF WILLS
FILL IN APPROPRIATE OVALS BELOW
� �. Original Return � 2. Supplemental Return � 3, Remainder Return(Date of Death
Prior to 12-13-82)
� q. Limited Estate � 4a.Future Interesi Compromise � 5. Federal Estate Tax Return Required
(date of death after 12-12-82)
a 6 Decedent Died Testate � 7. qtia�Copy�of Trustl)a Living Trust g, Total Number of Safe Deposit Boxes
(Attach Copy of Will)
❑ g. Litigation Proceeds Received ❑ 10•benveeni2 3i�i andit(Da95�f Death � �� Election to tax under Sec.9113(A)
T (Attach Schedule O)
CORRESPONDENT-THIS SECTION MUST BE COMPLETED.ALL CORRESPONDENCE AND CONFIDENTIAL TAX INFORMATION SHOULD BE DIRECTED TO:
Name Daytime Telephone Number
MICHAEL L BANGS 717 730 7310
�
REGISTEIZ�F�ILLS US�-�NL�f� �
;"� �:� � ::�.' "',
First Line of Address '�' -� e'' � `''
::�; �.,.. � �^f
429 SOUTH 18TH STREET - cn , �,
Second Line of Address `^� � �,.a � ;j
<.J C= F�� --' -
�DA� FILED � ;~~ �
City or Post Office State ZIP Code
CAMP HILL PA 17011 '� rn � �
CorrespondenYs e-ma�i aadress: mikebangs@verizon.net
Under penalties of perjury,I declare that I have examined this return,including accompanying schedules and statements,and to the best of my knowledge and belief,
it is true,correct and complete.Declaration of preparer other than the personal representative is based on all information of which preparer has any knowledge.
SIG TURE OF PERSON RESPONS LE FOR FILIN RETURN DATE
� �" nnmarie Seibert 3 --
ESS
9620 Mountain Road Grantville PA 17028
SI N URE OF PREPARER OTHER THA RESENTATIVE DATE
���.�1� 1 Michael L. Bangs L� �,,'
ADDRESS
429 South 18th Street, amp Hill, PA 17011
Side 1
L 1505610143 1505610143 �
�
� 1505610243
REV-1500 EX
DecedenYs Social Security Number
Decedenr5 r,ama: Hoffman, Ruth A.
RECAPITULATION
1. Real Estate(Schedule A)....................................................................................... 1. 12 5 , ��� . 0 0
2. Stocks and Bonds(Schedule B)....................................:........................................ 2. 2 6, 4 3 7 . 2 5
3. Closely Held Corporation,Partnership or Sole-Proprietorship(Schedule C)......... 3.
4. Mortgages&Notes Receivable(Schedule D)........................................................ 4.
5. Cash,Bank Deposits&Miscellaneous Personal Property(Schedule E)............... 5. 48 ,508 . 02
6. Jointly Owned Property(Schedule F) ❑ Separate Billing Requested............ 6. 5, 0 63 . 92
7. Inter-Vivos Transfers&Miscellaneous lyc�q Probate Property
(Schedule G) �J Separate Billing Requested............ 7.
8. ToWI Gross Assets(total Lines 1 through 7)........................................................ g. 2 O 5, ��9 . 19
9. Funeral Expenses and Administrative Costs(Schedule H).................................... 9. 18 , 666. 41
10. Debts of Decedent,Mortgage Liabilities and Liens(Schedule I)............................ 10. 5 ,240 . 48
11. Total Deductions(total Lines 9 and 10)................................................................ ��. 2 3 , 90 6. 8 9
12. Net Value of Estate(Line 8 minus Line 11).......................................................... �2. 181 , 102 . 30
13. Charitable and Governmental Bequests/Sec 9113 Trusts for which
an election to tax has not been made(Schedule J)............................................... 13.
14. Net Value Subjectto Tax(Line 12 minus Line 13)............................................... 14. 181 , 102 . 30
TAX COMPUTATION-SEE INSTRUCTIONS FOR APPLICABLE RATES
15. Amount of Line 14 taxable
at the spousal tax rate,or
transfers under Sec.9116 0 . 0 0
(a)(1.2)X.00 �5'
16. Amount of Line 14 taxable 181 , 102 . 30 �s. 8 , 14 9 . 60
at lineal rate X .045
17. Amount of Line 14 taxable 0 . 0 0
at sibling rate X.12 � . �� 17.
18. Amount of Line 14 taxable 0 . 0 0 18. 0 . 0 0
at collateral rate X.15
19. TAX DUE................................................................................................................ 19. 8 , 14 9. 60
20. FILL IN THE OVAL IF YOU ARE REQUESTING A REFUND OF AN OVERPAYMENT. �
Side 2
� 1505610243 1505610243 �
FtEV-1500 EX Page 3 File Number 21-13-1097
Decedent's Complete Address:
DECEDENT'S NAME
Hoffman, Ruth A.
STREET ADDRESS
2937 Cumberland Bivd.
CITY STATE ZIP
Camp Hill PA 17011
Tax Payments and Credits:
1. Tax Due(Page 2,Line 19) (1) 8,149.60
2. Credits/Payments
A. Prior Payments 10,000.00
B. Discount 407.48
Total Credits(A +B) (2) 10,407.48
3. Interest �3�
q. If Line 2 is greater than Line 1 +Line 3,enter the difference. This is the OVERPAYMENT. (4) 2,257.88
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:............................................................................... ❑ �
b. retain the right to designate who shall use the property transferred or its income:.................................. ❑ ❑x
c. retain a reversionary interest;or..............................................................................................................
. x
d. receive the promise for life of either payments,benefits or care?............................................................ ❑ ❑X
2. If death occurred after Dec. 12, 1982, did decedent transfer property within one year of death without ❑ ❑
receiving adequate consideration?.................................................................................................................... x
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 ❑ ❑
containsa beneficiary designation?.................................................................................................................. X
IF THE ANSWER TO ANY OF THE ABOVE QUESTIONS IS YES,YOU MUST COMPLETE SCHEDULE G AND FtLE IT AS PART OF THE RETURN.
= . ,
.-� r_ �:...
w =_ ,,�. �. g:...
� ..�.�K _.. �� Y
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)l•
. The tax rate imposed on the net value of transfers to or for the use of the decedent's siblings is 12 percent[72 P.S.§9116(a)(1.3)]. 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+(01-70)
SCHEDULE A
pennsylvania REAL ESTATE
DEPARTMENT OF REVENUE
INHERITANCE TAX RETURN
RESIDENT DECEDENT
ESTATE OF FILE NUMBER
Hoffman, Ruth A. 21-13-1097
All real property owned solely or as a tenant in common must be reported at fair market value.Fair market value is defined as the price at which property would be
exchanged belween a willing buyer and a willing seller,neither being compelled to buy or sell,both having reasonable knowledge of the relevant facts.
Real property that is jointly-owned with right of survivorship must be disclosed on schedule F.
Attach a copy of the settlement sheet if the property has been sold
Include a copy of the deed showing decedent's interest if owned as tenant in common.
ITEM VALUE AT DATE
NUMBER DESCRIPTION OF DEATH
1 Real Estate-2937 Cumberland Boulevard,Camp Hill Borough(Tax Parcel#01-20-1852-153). 125,000.00
See appraisal attached.
TOTAL(Also enter on Line 1, Recapitulation) 125,000.00
(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)
_ __ _ _..__
Rev-1503 EX+(6-98)
SCHEDULE B
STOCKS & BONDS
COMMONWEALTH OF PENNSYLVANIA
INHERITANCE TAX RETURN
RESIDENT DECEDENT
ESTATE OF FILE NUMBER
Hoffman, Ruth A. 21-13-1097
All property jointly-owned with right of survivorship must ba disclosed on Schedule F.
ITEM CUSIP VALUE AT DATE
NUMBER NUMBER DESCRIPTION UNIT VALUE OF DEATH
1 Ameriprise-Account 1; Columbia Global Equity A Shares 12,413.97
(IGLGX) Mutual Fund
2 Ameriprise-Account 2;Columbia Large Cap Growth A 6,713.68
Shares(LEGAX)Mutual Fund
3 35 shares of Scottrade-Berkshire Hathaway, Inc.CI B 114.96 4.023.60
4 50 shares of Scottrade-Royal Dutch Shell Plc Adr Class A 65.72 3,286.00
TOTAL(Also enter on Line 2, Recapitulation) 26,437.25
(If more space is needed,additional pages of the same size)
Copyright(c)2002 form software only The Lackner Group, Inc. Form PA-1500 Schedule B(Rev.6-98)
Rev-1508 EX+(��-�0)
SCHEDULE E
pennsylvania CASH, BANK DEPOSITS, & MISC.
DEPARTMENT OF REVENUE
INHERITANCETAXRETURN PERSONAL PROPERTY
RESIDENT DECEDENT
ESTATE OF FILE NUMBER
Hoffman, Ruth A. 21-13-1097
Include the proceeds of litigation and lhe date the proceeds were received by the estate.
All property jointly-owned with the right oT survivorship must be disclosed on scheduie F.
ITEM VALUE AT DATE
NUMBER DESCRIPTION OF DEATH
1 Automobile-2003 Ford Taurus SEL(see Bill of Sale) 2,929.00
2 New Cumberland Federal Credit Union-Certificate of Deposit 1 14,935.75
3 New Cumberland Federal Credit Union-Certificate of Deposit 2 14,935.75
4 New Cumberland Federal Credit Union-Certificate of Deposit 3 14,935.75
5 Refund from Comcast Cable 149.58
6 Refund from Highmark-unused premium 184.01
7 Refund from State Farm -(automobile insurance) 18.18
8 Yard sale proceeds 420.00
TOTAL(Also enter on Line 5, Recapitulation) 48,508.02
(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 E(Rev. 11-10)
Rev-1509 EX+(01-10)
pennsylvania SCHEDULE F
DEPARTMENTOFREVENUE JOINTLY-OWNED PROPERTY
INHERITANCE TAX RETURN
RESIDENT DECEDENT
ESTATE OF FILE NUMBER
Hoffman, Ruth A. 21-13-1097
If an asset was made joint within one year of the decedent's date of death,it must be reported on schedule G.
SURVIVING JOINT TENANT(S)NAME ADDRESS RELATIONSHIP TO DECEDENT
A. Tina H. Hoffman 2030 Lincoln Street Daughter
Camp Hill, PA 17011
B.
C.
JOINTLY OWNED PROPERTY:
DESCRIPTION OF PROPERTY o�o OF DATE OF DEATH
ITEM LETTER DATE INCLUDE NAME OF FINANCIAL INSTITUTION AND BANK ACCOUNT DATE OF DEATH DECD�S DECE ENTUS WTEREST
NUMBER FOR JOINT MADE NUMBER OR SIMILAR IDENTIFYING NUMBER.ATTACH DEED FOR VALUE OF ASSE INTEREST
TENANT JOINT JOINTLY-HELD REAL ESTATE.
1 A 10/30/1979 New Cumberland Federal Credit Union- 1,719.39 50.000% 859.70
Savings Account
2 A 10/30/1979 New Cumberland Federal Credit Union- 8,408.44 50.000% 4,204.22
Checking Account
TOTAL(Also enter on Line 6,Recapitulation) 5,063.92
(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)
REV-1511 EX+�10-09) gCHEDULE H
pennsylvania
DEPARTMENTOFREVENUE FUNERAL EXPENSES AND
RESIDENTDEC ENT URN ADMINISTRATIVE COSTS
ESTATE OF FILE NUMBER
Hoffman, Ruth A. 21-13-1097
Decedent's debts must be reported on Schedule I.
ITEM DESCRIPTION AMOUNT
q, FUNERAL EXPENSES:
See continuation schedule(s)attached 12,890.32
B. ADMINISTRATIVE COSTS:
1. Personal Representative's Commissions
Name of Personal Representative(s)
Street Address
City State Zio
Year(s)Commission Paid
Z, Attornev's Fees Michael L. Bangs 5,000.00
3. Family Exemption: (If decedenYs address is not the same as claimanYs,attach explanation)
Claimant
Street Address
City State Zip
Relationshio of Claimant to Decedent
4. Probate Fees 398.50
5. AccountanYs Fees
6. Tax Return Preparer's Fees
7. Other Administrative Costs 377.59
See continuation schedule(s) attached
TOTAL(Also enter on line 9, Recapitulation) 18,666.41
Copyright(c)2009 form software only The Lackner Group, Inc. Form PA-1500 Schedule H(Rev. 10-09)
SCHEDULE H
FUNERAL EXPENSES AND ADMINISTRATIVE COSTS
continued
ESTATE OF FILE NUMBER
Hoffman, Ruth A. 21-13-1097
ITEM
NUMBER DESCRIPTION AMOUNT
Funeral ExQenses
1 Juice n'Java-funeral luncheon 608.00
2 Musselman Funeral Home 8,960.00
3 Office of Catholic Cemeteries -bronze marker 1,700.00
4 Resurrection Cemetery 1,085.00
5 Tina Hoffman-funeral flowers and obituary 537.32
H-A 12,890.32
Other Administrative Costs
6 Brad Hoffman-reimbursement of costs for sale of car 101.21
7 Chris Rebert-lawn care 78.00
8 Cumberland Law Journal-estate advertisement 75.00
9 The Patriot News-estate advertisement 123.38
H-B7 377.59
Copyright(c)2002 form software only The Lackner Group, Inc. Form PA-1500 Schedule H(Rev.6-98)
_ _ _ _ _ __ _. _
Rev-1512 EX+(12-OS)
SCHEDULE 1
pennsylvania DEBTS OF DECEDENT,
DEPARTMENT Of REVENUE
INHERITANCETAXRETURN MORTGAGE LIABILITIES AND LIENS
RESIDENT DECEDENT
ESTATE OF FILE NUMBER
Hoffman, Ruth A. 21-13-1097
Report debts incurred by the decedent prior to death that remained unpaid at the date of death,including unreimbursed medical expenses.
ITEM VALUE AT DATE
NUMBER DESCRIPTION OF DEATH
1 Borough of Camp Hill-sewer(10/1/13 to 12/31/13) 165.00
2 Camp Hill Borough-sewer(1/14 to 3/14) 165.00
3 Camp Hill Borough-sewer(4/1/14 to 6/30/14) 221.25
4 Comcast Cable 65.58
5 Comcast Cable-(11/26/13) 7.99
6 Comcast Cable-(12/11/13) 84.00
7 Diane Neiper,Tax Collector-County/Borough real estate tax 2014 1,055.92
8 Dorie Clem -caregiver services 199.50
9 Eileen Romanski-caregiver services 90.00
10 Erie Insurance-homeowners insurance 395.00
11 Griswold Home Care 73.50
12 PA American Water Co. -9/11/13 to 10/11/13 4$•27
13 PA American Water Co. -10/12/13 to 11/11/13 75.75
14 PA American Water-11/72/13 to 12/10/13 15.29
15 PA American Water Company-12/11/13 to 1/10/14 279.98
16 PA American Water-2/11/14 to 3/10/14 42.75
17 Penn Waste-1/1/14 to 3/31/14 41.55
Total of Continuation Schedules See attached
pages
TOTAL(Also enter on Line 10, Recapitulation) 5,240.48
(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)
Rev-1512 EX+(12-08)
SCHEDULE 1
pennsylvania DEBTS OF DECEDENT,
DEPARTMENT OF REVENUE
INHERITANCETAXRETURN MORTGAGE LIABILITIES AND LIENS
RESIDENT DECEDENT
continued
ESTATE OF FILE NUMBER
Hoffman, Ruth A. 21-13-1097
ITEM VALUE AT DATE
NUMBER DESCRIPTION OF DEATH
18 Penn Waste -(4/1/14 to 6/30/14) 41.55
19 Penn Waste-7/1/14 to 9/30/14 41.55
20 PP&L-6/20/14 24.46
21 PP&L Electric-10/11/13 to 11/11/13 105.75
22 PP&L Electric-11/11/13 to 1/21/13 9.40
23 PP8�L Electric-11/21/13 to 12/11/13 18.91
24 PP&L Electric-12/11/13 to 1/13/14 36.43
25 PP&L Electric-1/13/14 to 2/11/14 28.15
26 PP8�L Electric-2/11/14 to 3/12/14 26.38
27 PP8�L Electric-3/12/14 to 4/11/14 27.30
28 PP&L Electric-3/13/14 to 4/11/14 26.49
29 Teresa Foley-caregiver services 50.00
30 UGI 34.03
31 UGI-8/27/13 to 10/25/13 5�•2�
32 UGI-10/25/13 to 11/25/13 186.67
33 UGI-11/25/13 to 12/30/13 340.44
34 UGI-12/30/13 to 1/28/14 391.46
Copyright(c)2008 form software only The Lackner Group, Inc. Form PA-1500 Schedule I(Rev. 12-08)
Rev-1512 EX+(�y-08)
SCHEDULE 1
pennsylvania DEBTS OF DECEDENT,
DEPARTMENT OF REVENUE
INHERITANCETAXRETURN MORTGAGE LIABILITIES AND LIENS
RESIDENT DECEDENT
continued
ESTATE OF FILE NUMBER
Hoffman, Ruth A. 21-13-1097
ITEM VALUE AT DATE
NUMBER DESCRIPTION OF DEATH
35 UGI-1/28/14 to 2/27/14 362.87
36 UGI-4/29/14 to 5/29/14 453.60
37 Verizon 11.44
TOTAL(Also enter on Line 10, Recapitulation) 5,240.48
Copyright(c)2008 form software only The Lackner Group,Inc. Form PA-1500 Schedule I(Rev. 12-08)
REV-1511 EX+(01-10)
pennsylvania SCHEDULE J
DEPARTMENT OF REVENUE
INHERITANCE TAX RETURN BENEFICIARIES
RESIDENT DECEDENT
ESTATE OF FILE NUMBER
Hoffman, Ruth A. 21-13-1097
NAME AND ADDRESS OF RELATIONSHIP TO SHARE OF ESTATE AMOUNT OF ESTATE
NUMBER PERSON(Sl RECEIVING PROPERTY DECEDENT (Words) ($$$)
I� TAXABLE DISTRIBUTIONS [include outright spousal
distributions,and transfers
under Sec.9116 a 1.2
See attached schedule
Total
Enter dollar amounts for distributions shown above on lines 15 throu h 18 on Rev 1500 cover sheet,as a ro riate.
NON-TAXABLE DISTRIBUTIONS:
II. A.SPOUSAL DISTRIBUTIONS UNDER SECTION 9113 FOR WHICH AN ELECTION TO TAX IS NOT TAKEN
B.CHARITABLE AND GOVERNMENTAL DISTRIBUT�ONS
TOTAL OF PART II -ENTER TOTAL NON-TAXABLE DISTRIBUTIONS ON LINE 13 OF REV-1500 COVER SHEET
�opyright(c)2010 form software only The lackner Group,Inc. Form PA-1500 Schedule J(Rev.01-10)
SCHEDULE J
BENEFICIARIES
(Part I,Taxable Distributions)
ESTATE OF:
Ruth A. Hoffman 09/28/2013 277-20-8675
Item Name and Address of Person(s) Share of Estate Amount of Estate
Number Receiving Property Relationship (Words) ($$$)
1 Cynthia S. Briner Daughter one-seventh
4118 Wimbledon Drive
Harrisburg, PA 17112
2 Bradley B. Hoffman Son one-seventh
731 Walnut Street
Lemoyne, PA 17043
3 Harry J. Hoffman,Jr. Son one-seventh
4584 W.88th Street
Tulsa,OK 74132
4 Raymond R. Hoffman Son one-seventh
2900 Dickinson Avenue
Camp Hill, PA 17011
5 Tina H.Hoffman Daughter one-seventh
2030 Lincoln Street
Camp Hill, PA 17011
6 Colette H.O'Donnell Daughter one-seventh
22 Golfview Drive
Dove Canyon,CA 92679
7 Lynnmarie Seibert Daughter one-seventh
9620 Mountain Road
Grantville, PA 17028
Total
1
_ _ .
SUMMARY OF SALIfNT FEATURES
Subject Address 2937 Cumbertand Blvd
Legal Descrip6on Deed Book 19F Page 491
�j�, Camp Hill
�p�My Cumberland
State PA
Tip Code 170i�
Census Traa ����
MapReference 01-20-1852-�53
Sale Price 5
Date ot Sale
Owner Ruth A Hoffman Estate
Clierrt Tina Hoffman
S¢e(Square Feet) Z.��2
Pnce per Square Foot S
Location N:Res.BsyRd
q9e 53
Condi�on �
Total Rooms T 6
Betlrooms 4
Baths z 4
Appraiser Robert D Hower
Date of Appraised Value 03/27/2014
OpiNOn oi Vatue 5 125.000
Fam SS02—^NinTOTAI'appraisal software by a la mode,inc —1-800•ALAMODE
Robert Hower 5 Assoc�ates�i�i�asaazuu ._.. ._ _... .--- .--- .
Uniform Residential A raisal Re ort FIbN DM17958
The ol ttris summa raisal r is to rovide the lender/dient with an accurate, and ad at su ed, 'nion of the market value of the sub' t
Address 2937 Cumberland Blvd City Camp Hill ___ State PA L COde 17011
Barower Tina Hoffman Owner o(PuWic Record Ruth A.Hoffman Estate _ County Cumberiand
al Descri ' Deed Book 19F Pa e 491 _ _ -
Assessor'sParcel� 0�-20-1852-t53 TaxYear 2014 R.E.TaxesS 3,636_
bahood Name Cam Hill Borou h M Refwence 01-20-1852-153 Census Tract 0104.00 _
pccu M —pwner Tenam Vacant S ia1 Asseumerrts S 0 PUG HOA S 0 � � �
pro R'Ms ised Fee Sim le Leasehald Other describe — —
As nment T Purchase Transac6on Refinance Transactian Olher descnbe Fair Market Va1ue Determination _
LendedClierrt Tina HofFinan Address 2030 Lincoln St CamD Hill PA 17011 _____
Is the sub currert� ottered tor sak or has a been offeretl for sale in the tweNe rtromhs na m tlie ettechve tlate oi Vus a aisal? __�Yes No
R data source s used,otlenn nce s.and date s. Central Penn MLS ----
I did did rwt analyze the corttract for sale fa the subject purchase transac6on.Explain ihe resuhs oi the anaysis of the corrtract for sale or why the anaysis was not
— - __ .-- -
wmed. __—_ ---- --
--- —_-_
---- —
ConVact Price S Date ot Comract Is ttie propertY seNer Ne m�ner of public record7 Yes No Data Source(s)
Is tt�ere any financial assistance(ban charges,sale concessions,gift or downpayment assistanCe,etc.)to be paid by any parry on behalf of the borrower� Yes . No
� tl Ya,r the total dollar artwunt and describe the items to be paitl. — ------- —
Nok:Race ald tlie raaal compaidon of the ndghbort�ood a�e nol � tactatc.
locaUOn F Urban Suburban Rural 4 Property Values Increasing g Stabie Decuni�9 P_PRICE AGE One-Unit 85%
Buitt-U Over 75% 25-7596 Under 25Yo DemarwUSuPPN S�9e g In Balance Over Suppry 5(000) __ IY�) 2-4 U�t 3%
� Grpwlh R ' Stab� Sbw �Marke6 Time Under 3 mths 3-6 rtMhs Over 6 mihs 70 Low 1 'Multl-Fami 2%
hbahpod Boundanes Route 15 West 32nd St South Market Street East and Su uehanna River 3� P� 255 '_�er�'� 5%
' North. — . -
hborhood pesc' ' n The ni hborhood is redominatel si le fami detached homes situated convenient to sho in eas hi hwa acCes:
and ma or em b ment ceMers The su ect s located near recreatbnal faciliitiees and schoo�s.The sub ect is located across the street from a
coun Gub.The area en o s ve favoreble market a tance_
��q�ipns includi su rt for the above concfusans Pro vaiues in the sub'ect ne' hborhood have demonstrated some fluctuation anc
deGi�e but a ar to have diminished in the recedin 4-8 months.Mort a e monies remain available and avera e market time in this area i:
ave e of 3-6 months.The number of foreGosure ro rties has conGnued to diminish. View N Res CtvStr
Dimensions 5T x 130' ___ � 7410 st Shage Rectanqular __
ifiC Zord CWssifitatlon Residential Zoni Descn ' Residendal —.—
Zoni Can ' l ai � al Nonco�rtorming(6rar�dfathered Use) No Zoni�9 � Iilegal(describel _
Is the ' and best use of suti ect ro as i oved a as r sed and �icaUans Ne mserrt use?_ Yes=No H No,describe
Udlltles Pudk OTher(describel Pudb Otl�(deaaibe) Otl-atle It�rm'emen�='TYPB Pudk Prlvete
�� — _ Water g Streel AsphalVConcrete ____g _
�5 Sanitary Sewer g _ Alley AsDhalt _ _
FEMA M +Y 42041 CO281 E FEMA M Date 03/16/2009
fEMA S i�Flood liazara Area Yes No FEMA Flood Zone X ---
Are Uie u6G6es and oft-site im roveme�s 'al fa the market area? Yes No tl No,describe �-- Yes No H Ves,describe
Are there an advwse site condi[ions or extemal factors easemer�s,encroaChmeMS environmental cor�roons IanO uses etc.). __
�., ,�:
Unrts One One with Accesso Unn �Conerete Slab Crawl S ce Faundatlo�Walis Block/Av Floors Tile/Ca VA
���� � FuN Basert�ent ParUal BasemeM E�aeria WaNs Brick/AlumiNAv Walls 0 aIUA
T pet. Atl. S•Dethnd Unit Basemerrt Area 2 072 ft.Roof Surface RubbeNAv _ TrirNFnish Wood�Av
F�6 —Pro ea Under Const.Basement Fmish t % Gulters 6 Down AluminuMAv Bam Floa Vn UAv
n S e Contem__ Outside E /Fxit Su Pum Wir�lrnv T Caseme�VAv Bam Wa��s��r�e/AY
Year&titt 1961 Evidence oi Irrtestation Storm SasMnsWated Yes/Av Car St Non¢
EfleCtiYe A rs 20 -- -- ---D� s �� �� Yes/Av Drivewa #of CarS 2
q� None Heatln FWA HNBB RadiaM A�es Woodstove s +� 0 D�vewa Surfxe Concrete
—Dr Stair Stairs Other 'Fuel Gas _ Fr lace s � t _Fence None _ Gara e #of Cars 0
�'Floor �- Scuttle Coo4n Cermal Air CondNOnin Patio/Deck None Porch None _ Ca rt �oi Cars _0
'—F��� - Heated IndiNdual Other None
Pool None Other None Att. _Det. Buitt-in
es R ' ta g Ra e/Oven` Dishwashe� Di sal Microwave WashedD er Other descAbe
Rrashed area abow de carrtains: 6 Rooms 4 Bedrooms 2.0 8ath s 2.072_S�uare Feet N Gross Livin�Area ADove Grade
. Addi6pial feaWres s ial ener etficient ttems,etc.. The sub' ct has a 2-sided fire lace. --
Descnbe ihe condi�on of the '^^luding needed repairs detenoraUOn renova6ons 2modeling etc.). C4 No u ates in the rior 15 ears The suti is a
midOcentu house of contem ora desi n havin a full basement that has a hal-bath.The sub'ect demonstrates the need for some re ir a:
evidenced b the uneven roof line and sa in exterior soffitin .Wood trim and shutters demonstrates chi d and eelin ain.The electriCa
anel is 100 am and shows a e.The sub ect house is in avera e condition but has not been u ated The sub ect has an interior o n cou arc
s ace. � Yes �No tl Yes,describe
Are there an ical deficiencies or adverse conditions that attect the livabiliry soundness or strucNrai iMegrfty of the properry __._
Does ttie r enerai conform ro the neighbomood(functlonal utiliry sryle condition use,construc5on etc.)? _ �Yes _=No_If No descnbe
Freddie Mac Form 70 March 2005 UAD Version 9/2011 Paqe 1 of 6 Fannie Mae Form 1004 March 2005
Fam t0p4UA0—'WinTOTAL'appraiui sottware�Y a la rtwde.i�c.—t-800-ALAMODE
a
Uniform Residential A raisal Re ort FlkN DM17958
�o a ses soo _
There are 9 can arable ro Ries curr oftered tor sale in the sub t n'hborhood ran in in rice from S 149 900 to S 322 000
There are Zg com aDle sales in the sub t nei hborhood within me ast�welve monms�� COMPARABLE SALE,�p�ZO 000 COMPARABLE SALE�3
PEA7URE SUBJECT COMPARABLE SALE#1 �,2718 Columbia Ave
Address 2937 Cumberland Blvd 202 Hollywood Cir �107 Runson Rd ,
Cam Hill PA 17011 _��amp Hill PA 17011
Cam Hill PA 17011 Cam Hill PA 17011 p 42 miles SW 0 89 miles SE
Rwd ' ro Su6 0.43 mdes SW :. s i 67 500 �c = .'S 155 000
Sale Pnce _ 'S y._ -.�.,S �20 000 � . : �.
$2k Price�Gross Uv.Area E s ft S 61.35 .n. ' S 81.47 .tt. �, . " :E 75 61 n.
pata$ource s ��CP Mls#10244493 DOM t CP Mls 1f 10231&41 DOM t00 CP Mls#�023859TDOM 2
yeii8cadon Source s *- �:: Crthse Assmnt Record Crthse A s smnt Record Crthse Assmnt Record
VAIUE A0.IUSTMENTS DESCRIPTION DESCRIPTION +- S Adustment�.�DESCRIPTION +(-)S Adjustmerrt , DESCRIPTION +- S AdusOr�nt
AI rtn�th jArtnLth
$ales w Fnancing Estate '� Corn a500 -4�
'Cash 0 �FHA'0 -
��0"s s06�13 rA4�13 's07n 3 c06113
�e��ime '" � st0l13ct0113 O N Res _ �
�p�� �N Res BsvRd . 'N Res 0 N Rer `
Fee Sim le Fee Sim le
Leasehd4/Fee Si e Fee Simple Fee Sim le - -"�— 0 13 939 sf 0
�g 7410 sf 10 454 sf 0 11 326 sf - 0
- 0 N'Res _ _ 0 N Res
vj�, i�N Res'C Str N Res T---- DT2 Contem _ 0
� I DT1 Contem DT2 S Iit Level ' _ 0 DT1 Contem
, Q4 +2 500�3
Uual of ConsUuc�on _�Q3 _ In�- - -- 0 58 _ _ 0
Atival 53 5 0 58 ! -10 000
-�----- C3___�_ •10000C3
CIX1�NOn i C4_` ��4:+----- ,ToW I Bdrms Bd� +1 00� Total;Bdrms. Balhs
Above 6rade '�?ow Bdrms.',Baths iotai,Bdrtns. Batlu p � , 4 1.1 , +t 000
Room Coum 6 a 2.0 ': g a 2.0 , 6 3 2.0 -
+1 740 2 056 .n.l _�r- 2 O50 eQ.tt.' 0
Gross Lni Area 2 072 h.' 1 956 ri.' , •5,235
+3,470 2056si5005fwo 0 1025sfOsiwu
Basemerrt 8 Fnisi�ed ',2072sP25sfwo 't 378sf546sfwo , , -2 0� +1 000
Roans Bdow Grade �OrrObN.t ba0o '1 rtObr0.1 ba0o -1 000 1 rtObr0.1 ba 10 _ ,
--- Avera e Avera e
��pp��pp� Avera e _ iAv�- — -2,ppp Ht WtrMone +2 000
� �j Ht WtdNOne i Ht Air/C.Air -2 000 Ht AidC.Air _ 2�
Fi lace 2 Fire laces
• Ene Efficierrt Items I Fireplace _ F�re lace -3 000 None �
� Gara Ca rt _� tabi� •1�1 atdw -- _1.000 Patio -5�
pprc�ypa6q�peck Non,___e ____ Porc_h___ _ -500 Deck Patio
� _
- -T----
. 1 — _
---;-----T
,- ---r-- ', - -r---
- - + . S -14 5� + 'S •7 765
• qet Adbstmenl o�l + _ _*S 710
Adjustad Sale Price �--
` Nel Adj. D.6%, Net Adj. 8J%, �Net Adj SA�'
of Co s
` 'E ` Gross Ad. S.1%I S 120 71 Gross Ad. 12.8%�S t 53 000 Gross Ad. 16.9%'S 1�47 235
I did did not resea�ch the sale or transfer hist of ihe sub t and co arable sales.B not, ain - -
--- fa tice three ears �or ro the ettxtive date ot mis appraisal
research tlid tlid not reveai an nor sales or Vansfers of the su
pap Source s Cumberland Con Courthouse Records
reseyrc� did did not reveai an or sales w vansiers of the com rable sales for the ear 'a to the tlate oi sa�e of the com rabie sale.
pata$ource s Central Penn MLS and Cumberland Coun Courthouse Record_ a�c� ��e�� rt additlonai ria sales on 3.
R q�e resurts ot tlie research and ana s of the or sale or transfer Mst oi tl�e w t
�M _ SUB.IECT__ COMPARABLE SALE#t COMPARABLE SALE+�2 COMPARABLE SALE 03
Date of Pnw SalelTrenster __ -
Price oi Priw SaIplTransier_ _ -
p�a$ource S Courthouse Record 'CPMLS1Co Assmnt Rec CPMLSlCo Assmnt Rec CPMLS/Co Assmnt Rec
04/O t/2014 ',04101/2014 ,04�01/2014
EffecOVe Date ot Data Source s 04/01I2014 �c �� There have been no nor sales or transfers of lhe sub' in the three
qna sis pf 'or sale a transfer hsto of tne sub
ears recedi the eNectNe date of this a reisal.There have been rior sales of the com arables in the twelve months recedi� the effeclnE
date ot thls a raisal __- -- - _____._ -
Summ oi Sales Co anson oach Mot we ht is iven to Com #1 as an estate sale bei sold in"as-IS"condit�on accordin to MlS information
!UI three com arables are similar in GLA to that of the suti ect The sub ect lies next to a bus road and demonsvates the need for some re ir.The
inion of value is at the low end of the ran e reflective ot the sub ecPs needed re airs.The sub ect ladcs the central a+r of Com arables#1 and#2
The sub'ect and com arables are ali located in the same munidpality All are compatibie in Gla and parcel slze. �-
In6cated Value b Sales Com son roach S 125 000 � - (H��s I�� (j� S
�y�� ,$� A S 125 000
Most wei ht is iven ro Com arable#1 as a com arable beln so�d as and estate sale in"as-Is"condition,There is insufficient data to make
adLstment for an im act to marketabil' or value for the roximi to the hi hwa due to the low tumover of sales
T1us appraisal is made x'as is•, subject.ro comp�etion per plans and specifica6ons on the ba as os� t hypothe0cal onc—dib no a�m the improvements have been
�pmp��, suWect ro the follovnng repairs or atteratlons on the basis of a hypotlietical condAioo that the reVairs or atterations have been compVeted,or __ subject to tice
• follovnn r uired ins ec�on Dased on the extraordina assum tion that the condiUOn or deficienc dces not r uire atteration or re air:
�ect defined scope of work,statement of asaumptions end IImIHng
geted on a cotnplete visual ins Gon of the intwior and exteriw ar�s of the aub �t is the aubject of this report ia
condftlons�end ePPrai�s cadon, mY(our)opinron of the markel value,ea defl�ed,of � real propertY
' and the elfecdve date of this aal.
S 125 000 es of 03i27/201a 'l+h����d°���� Fannie Mae Form 1004 March 2005
Freddie Mac Form 70 March 2005 UAD Version 9/2011 Page 2 of 6
Fam t p04UAD-"winTOTAL'appraisa�software by a la mode.inc -�•�1-�+MODE
Main rue no um i i�c race+ro
Uniform Residential A raisal Re ort FlkM DM17958
The intended user of this re ort is the lender/client.The intended use is to evaluate the ro that is the suti ect of this a raisal for a mort a e
finance transacdon sub ect to the sco of woric u ose of the a raisal re ortin re uirements of the a raisal re oR form and definition o1
market value.No additional_intended users are identified by the aporaiser. ___
The intended user of this a raisal re ort is Tina H.Hoffman and/or her desi nee s._. ___._____— -
The uantitative line ad'usVnents for drfFerences between each sale and the sub' ro herein are com letel sub ective in nature due to a tac4
Of ad uate data trom which to eutract aired data uan[ities for said adLstments. __ __
A full attem t has been made to rovide market-derived su rt for all ad ustrnents and said ana ses o inions and conGusions for saic
ad'ustrnents are contained in the workfile of our a raisal herein __ -----------
There is an effective number of com tin ro rties on the market in this area This indicates that su I and demand are in balance.Reasonable
e sure nod is estimated ro be under 12 months.T ical holdi nod is 5-7 ears.e sure time:estimated len th of time that the ro
interest bein a raised wouid have been offered on the market rior to the h thetical consummation of a sale at market value on the effective
date of the a raisa�. - -----�-
I have not reviousi rformed a reisal services for the sub' of the a raisat rt in the three ears recedin the effective date of thi:
• a reisal.I have no wrcent or future interests in the ro or the arties that are the su ect of this a raisal re rt.
. —
�<<: F;;.
Provide ate i�rtamatlon ta me knder(c6em to the bebr+cost and caicul�a�.
$u rt fa ihe nion of site value summa of c land sales or oNer meUiods tor estimating site value) --___—
ESTIMATED REPRODUCTION OR REPLACEMENT COST NEW �OPINION OF SfTE VALUE -s
. Source ot cost data _ OWELLING Ft. $ =S
ratl irpm cost semce Ettecdve date af cost data Ft S _ =5
=S
� ConxneMs on Cost h ross livi area cakulatlons,d ia�on,etc. �c S =s
,Gara --
. 'Tmal Estlmate of Cost-New °$
Less Physical 'FuncOOnal Extemal
----- DeDrecia�on _ =S
Cost of I rovements =s
- •As•is'Value ot Stte Im rovemeMS °S
--- --
ESUmated Remaini Economic Lrte HUD and VA on
Years'INdfATED YALUE BY COST APPROAq1 =s
,, _: ,.. ..
� EsUmated Montli Market Rent S X Gross Rent Mul� ier =S _ Indkated Value �ncome roach
5umma ot Income oach includin su rt for market rent and GRM -------
. . .. . . ..._ . . . _ � -;ar�� ..�-. °��� ;•
;, .. :.. -s. ., p:_. . '. . ..�-
�g't�e ' /builder in coMrol ot the Homeowners'AsSOdaUOn HOA? Yes ^No UMl s Detached Attached
Ronde the tdbwi iMOrmaUon for PUDs ONLY tt the develo r/builder is in conVO�ot tl�e HOA and tlie su t is an attached dwelY unit. _
Name oi Pro t
�T���� Total number of units Total number of untts sdd _____
Tokl rNirt�er af uMts rented Total number ot units for sale Data source(s)
Was the ' t created the convusion of e�ds buildi s irrto a PUD? Yes No If Yes,date ot convers�on. _______
pces tlie t contain mul�-dwellin units? Yes No Data Source
Are tice units,common elemeMS,and recreation facifi0es can lete? Yes No tt No,describe the status of com 'on.
Are Ne common elert�erAs leased to or b the Homeowners'Association? Yes No If Yes describe the rental terms and oDtions.
Describe comrtwn elements and recreational faciliUes. _
freddie Mac Form 70 March 2005 UAD Version 9/2011 Page 3 of 6 Fannie Mae Form 1004 March 2005
Form 1004UAD—'WinTOTAI'appraiui software by a W mode,ir� —1•800•ALAMODE
Main File No DM179581 Paae#7'
Uniform Residential A raisal Re ort Flkk DM17958
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 repoR form is not designed to report an appraisal of a
manufactured home or a unit in a condominium or cooperative project.
This appraisal report is subject to the following scope of work, intended use, intended user, definition of market value,
statement ot 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. Modifications or deletions to the certifications are also not permitted. However, additional certifications that do
not constitute material atterations to this appraisal report, such as those required by law or those reiated 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 complextty of this appraisal assignment and the
reporting requirements of this appraisal report form, 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) inspect each of the
comparable 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 repoR.
INTENDED USE: The intended use of this appraisal repoR is for the lender/ciient to evaluate the property that is the
subject of this appraisal for a mortgage finance transacrion.
INTENDED USER: The intended user of this appraisal report is the lender/client.
DERNITION OF MARKET VALUE: The most probable price which a property should bring in a compelitive 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 title from seller to buyer under conditions whereby: (1) buyer and seller are typicaliy 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
reasonabie time is allowed for exposure in the open market; (4) payment is made in terms 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.
'Adjustments 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 seilers as a resuft of tradition or law in a market area; these costs are
readily identrfiabie since the seller pays these costs in virtualiy all sales transactions. Special or creative financing
adjustments can be made to the comparable propeRy by comparisons to financing terms offered by a third party institutional
lender that is not already involved in the property or transaction. Any adjustment should not be calculated on a mechanical
doilar for dollar cost of the financing or concession but the dollar amount of any adjustment should approximate the markeYs
reaction to the financing or concessions based on the appraiser's judgment.
STATEMENT Of ASSUMPTIONS AND LIMITIN�CONDITIONS: The appraiser's certification in this report is
subject to the following assumptions and limiting conditions:
1. The appraiser will not be responsible for matters of a legal nature that affect either the property being appraised or the Utle
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 wiil not render any opinions about the title.
2. The appraiser has 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 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 appraisat report whether any portion oi the subject site is loCated in an
identified Special Fiood 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 otherwise 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 pertorming the appraisal. Unless otherwise stated in this appraisal
report, the appraiser has no knowledge 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 appraiser wiil not be responsible for any such
conditions that do exist 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 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 atterations of the subject property will
be performed in a professional manner.
Freddie Mac Form 70 March 2005 UAD Version 9/2011 Page 4 of 6 Fannie Mae Form 1004 MarCh 2005
Form 1004UAD—'WinTOTAL•appraisal software by a la mode.inc —1-800-AIAMODE
'Main File No.DM179581 Pace#81
Uniform Residential A raisal Re ort Flk�Y DM17958
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 performed a complete visual inspection of the interior and exterior areas of the subject property. I reported the condition
of the improvements in factual, specific terms. I identified and reported the physical deficiencies that could affect the
livability, soundness, or structural integrity of the property
3. I pertormed this appraisal in accordance with the requirements of the Uniform Standards of Professionai Appraisal
Practice that were adopted and promulgated by the Appraisal Standards Board ot 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 real 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 otherwise indicated in this report.
5. I researched, verified, anatyzed, 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 otherwise indicated in this report.
6. I researched, verified, anatyzed, and reported on the prior sales of the comparabie sales for a minimum of one year prior
to the date of sale of the comparable sale, unless otherwise indicated in this report.
7. I seiected and used comparable sales that are IocaOonally, physically, and functionalty the most similar to the subject property.
8. I have not used comparable saies that were the resutt of combining a land sale with the contract purchase price of a home that
has been buift or will be buift on the land.
9. I have reported adjustments to the comparable sales that reflect the markeYs reaction to the differences between the subject
propeRy and the comparable sales.
10. I verrfied, from a disinterested source, all information in this repoR 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 propeRy in this market area.
12. I am aware of and have access to, the necessary and appropriate pubiic and private data sources, such as muttiple 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 turnished 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 infiuences 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 pertorming 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. � have not knowingly withheld any significant information from this appraisal report 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 professionai analysis, opinions, and conclusions, which
are subject only to the assumptions and limiting conditions in this appraisal report.
1). I have no present or prospective interest in the property that is the subject of this report, and I have no present or
prospective personal interest or bias with respect to the participants in the trensaction. I did not base, either partiaily or
compietely, my analysis and/or opinion of market value in this appraisal report on 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 uccupants 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 performing this appraisai or any future or anticipated appraisals was not
conditioned on any agreement or understanding, written or otherwise, that I 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 paRy, 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 sign'rficant 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 pertormed in this
appraisal report. I certity 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 will recerve this appraisal report.
Freddie Mac Form 70 March 2005 UAD Version 9/2011 Page 5 of 6 Fannie Mae Form 1004 March 2005
Form 1004UAD—'WinTOTAL'appra�sai sofivare by a fa mode,inc.—1-B00-ALAMODE
Main File No DM17958'Pace#91
Uniform Residential A raisal Re ort FlkX DM17958
21. The lender/client may disclose or distribute this appraisal report to: the borrower; another lender at the request of the
borrower; the mortgagee or its successors and assigns; mortgage insurers; government sponsored enterprises; other
secondary market participants; data coliection 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 (if applicabie) 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).
22. I am aware that any disclosure or distribution of this appraisal repoR by me or the lender/client may be subject to certain
laws and regulations. Further, t am also subject to the provisions of the Unrform Standards of Professional Appraisal Practice
that pertain to disclosure or distribution by me.
23. The borrower, another lender at the request of the borrower, the mortgagee or its successors and assigns, mortgage
insurers, government 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 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.
25. Any intentional or negligent misrepresentation(s) contained in this appraisal report may resutt in civil liability ancUor
criminal penatties 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 certrfies and agrees that:
1. I directly supervised the appraiser for this appraisal assignment, have read the appraisal repoR, and agree with the appraiser's
analysis, opinions, statements, conclusions, and the appraiser's ceRrfication.
2. I accept fuli 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 �dentified in this appraisal report is either a sub-contractor or an employee of the supervisory appraiser (or the
appraisal firm), is qualified to perform this appraisal, and is acceptable to perform this appraisal under the applicable state law.
4. This appraisal report complies with the Unrform Standards of Professional Appraisal Practice that were adopted and
promulgated 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 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 ROBERT D HOWER SUPERVISORY APPRAISER(ONLY IF REQUIREO)
Signature __ Signature
Name R� rt er Name ______
Company Name HOWER 8 ASSOCIATES Company Name ___
Company Address 2ao52 R7 35 Nortn Company Address _____
Mifflintown,PA 17059
Telephone Number (7�7)a36-8200 _ Telephone Number ___.
Email Address appraisalsCd2howerandassociates.com Email Address
Date of Signature and Report Oai02/20�a _ Date of Signature ____
Effective Date of Appraisal 03i27/2o�a________ _ State Cerfrfication# ___
State Certification# RL003303L or State License#
__ _
or State License# State
or Other(describe) __ _State# _ Expiration Date of Certification or License _
State PA
Fxpiration Date of Certification or License 06/30/2015 SUBJECT PROPERN
ADORESS OF PROPERN APPRAISED __ Did not inspect subject property
2937 Cumberland Bivd Did inspect exterior of subject property from street
Camp Hill,PA 17011 Date of Inspection __
APPRAISED VALUE UF SUBJECT PROPERTY$ t25,000 Did inspect interior and exterior of subject property
LENDEWCLIENT Date of Inspection ______ _ ____
Name No AMC __ --- COMPARABLE SALES
Company Name rina Hoffman
Company Address zo3o�incoin St Camp Hiu PA i�0�i _ __ Did not inspect exterior of comparable sales from street
--_ Did inspect exterior of comparable sales from street
Email Address __ __ Date of Inspection _____
Freddie Mac Form 70 March 2005 UAD Version 9/2011 Page 6 of 6 Fannie Mae Form 1004 March 2005
Form t004UAD—'WinTOTAL'appraisal softwa2 by a W rta0e,inc.—1•800•AIAMODE
_ ._. __
Main hne No.UMl/y0tli raae�rt ui
Supplementat Addendum File No DM17958
Owner Ruth A.Hoffman Estate
Pro Atldress 2937 Cumberland Blvd
� Camp Hill__ ____ Coun Cumberland State PA Zi Code 17011
Clierrt Tina Hoffman
Present land use identifies 5%as"Other'which are greenways,parks,and recreational lands
The subject has a well on site that is not used.
On the date of inspection,utilities were tumed on and functional
The final value estimate for the subject property dces not represent the predominant value for residential properties in this
market area,as shown in the report.The subject property is within the stated price range for homes in this area;and the fact
that the subject property does not represent the predominant value has no adverse effed on the subjecYs value or marketability.
There is an effect�ve number of competing properties on the market in this area.This indicates that supply and demand are in
balance.Reasonable exposure period is estimated to be under 12 months.Typical holding period is 5-7 years.Exposure time:
estimated iength of time that the property interest being appraised would have been offered on the market prior to the
hypothetical consummation of a sale at market value on the effective date of the appraisai
form iApO—'WinTOTAI•appraisai software by a la mode,inc.—t-800-ALAMODE
-- ._ ... � . •�.�... ,.����� �f.,� ��c ri�iu►►c�at / l //b'136tSb » }/SU-7310 P 2/2
Richard&,Morrlsan h, Amer�prise Financial Services.lnc.
The Persanaf Adv�sars of CPS Suite 604
Amerzpris e ," F+*'��at Advisor Wesi Share OfFice Cenier
�^ 224 Se�te Avenue
,�'+j��h�l�� Camp Hiii,PA 17011
6vs:7�,i.76 2.3300
Tuii Frse:866.6D0.1177
rax: i17.761,3$$g
!+chard_g.rnornsare(�Dampf,com
An Amenprse a�pcistecf fr8r.ch�sa
Oztaber 24"', 2013
Bangs E.aw O�ce
C/0 Michaef Bangs
429 South 1$"'Street
Camp Hiif, PA 1�011
Ta Whom it May Concern:
Per your request, rQgarding the estate of Ruih A. Hoffman,we E�ave co{fected the following
information:
Acrount iti Calumb�a Giobai Equity A Shares(IGLGX�Mutua! Fund
Accvunt Number.p1010979630 Ofl2
pate of t?eath VaEue:$12,413.97
Date Accaunt Vvas Openetf:07/23/20Q4
Beneficiary:The Estate of Ruth A. Hoffman
Accaunt#2 Colu�nbia large Cap Growth A Shares(LEGAXj Mutuai�und
Accourr# Number:�2014653240 00,2
Date of t}eath Value:$6,713.68
Qate Account Was flpened:Oa/48/2011
Beneficiary:The �state of€�uth A. Hoffrt�an
Shouki yau have any que�tians ar concerns please da not ftesttate to ea!!me ai 717-753-33t1Q ar�d I wili
t�e glad to assist you.
Thank you,
,
:,/ , � f �
`�. : ` ' ��.'tJ(,�.�.�
Ashtey S. Narrfs
Assistant to Richard G. Morrison 1r.,CFS
Brokerage,imesUttent and faaix�ai Adytsory servtces�e mqde availaD!e throu�Ameriprise Firwnciai$ervkes,c�c.Member NASD and S�C.
Ltfe insuranCe.disab+tity income insurance and annuitles are issueC hy tDS Life Insurance C.omPanY,an Ame,�prise Fnancial ccxnpany.
P=adueis msrketed undar the RiverSowae�brand ara pt�riGetl by a�fi1%ates of Ameriprtse F���anciat.
New Cumberland Federal Credit Union
Your Community Credit Union
P.O. Box 658,New Cumberland, PA 17070-06>8
Phone: (717) 774-7706 • 1-800-716-?328 • Fax: (717) 774-7996 • Web: www.ncfcuonline.urg
January 15, 2014
Bangs Law Office
429 South 18�' Street
Camp Hill, PA 17011
RE: Estate of Ruth A. Hoffman
SSN # 277-20-8675
Dear Mr. Bangs,
Pursuant to your letter dated October 17, 2013, pertaining to the above referenced
member the information that you requested is as follows:
Account Number: 87621
Owner(s) on Account: � Ruth A. Hoffman
' Tina H. Hoffman
Date acct opened: 10/30/1979
Date of Death Balances: S 1'(Savings) $ 1,719.39
S4 (Checking) 8,408.44
CD 1 14,935.75
CD2 14,935.75
CD3 14,935.75
Dividends as of DOD: 262•g�
Ruth A. Hoffman was the only one un the Certificates of Deposit, Ruth a.
Hoffman and Tina H. Hoffman were both on the Savings and Checking Accounts.
If you need anything additional in regards to this information, please feel free to
contact me directly.
Sincerely,
� ; .
.
Bar ra . 'ght
Branch M er
BILL OF SALE
�,l,i''pvi��AtZiB i. SEiB6�l� r.XCI%UU1X Vl U1G LJL'Q.IC Vl AUit11q. t�vffiiiaii, t1U j1CIG�y �ci[
a �3 �dR Ti4�1t Ry.� automobile, Vehicle Identification Number (VIN)
�,��'���/.�a.38", �o �fA1�� y .i �o��iy�� ,
for the sum of �� O7� ($ q. d� Dollars.
�/�%��-�-i9u�� L M /tGcC�x�/JZG�-� °d ��� --
Date: �� -- 3/— /� �
Ly arie Y. Seibert
Will
of
Ruth A. Hoffman
I, RUTH A. HOFFMAN, of 2937 Cumberland Blvd., Camp Hill, Cumberland County,
Pennsylvania, declare this to be my last will and revoke any will previously made by me.
ITEM I. I direct that all my just debts and funeral expenses, including my gravemarker
and all expenses of my last illness, and any and all taxes and assessments imposed by any
governmental body as a result of my death, whether on property passing under this will or
otherwise, shall be paid from my residuary estate as soon as practicahle after my death as a part
of the expense of the administration of my estate.
ITEM II. I give and bequeath all of my household goods, automobiles,jewelry, and all
other articles of household and personal use, equipment and ornament, together with all
insurance thereon and relating thereto, in equal shares to my issue, per stirpes, who survive my
death by thirt}� (30) days.
ITEM III. I give, devise, and bequeath all the rest, residue, and remainder of my
possessions and estate of everv nature and wherever situate in equal shares to my issue, per
stirpes, who survive my death by thirty (30) days.
y ITEM IV. All of the interests of the beneficiaries hereunder shall not be subject to
anticipation or to voluntary or involuntary alienation nor shall they be subject to any execution or
attachment.
[TEM V. I appoint my daughter LYNNMARIE �'. SEIBERT executrix of this my last
will. Should she predecease me or otherwise fail to qualify or cease to serve as executrix of this
my last will, I appoint my son BRADI,EY HOFFMAN executor of this my last will.
1
ITEvi �"I. In addition to the other po�ers and authorities granted to m� personal
representatives b} Penns��l��ania la�� and b� the other terms and pro��isions of this will, I hereby
give to my personal representatives the following powers and authorities effecti��e without court
approval and until actual distribution of all property: to compromise any claim or controversy;
to make distribution in cash or in kind, or partly in cash and partly� in kind, and in such manner as
my personal representatives may determine and at valuations finally to be fixed by them; to
invest in all forms of property, including any stock or other securities in any corporate fiduciary
or its successor without restriction to investments authorized for Pennsylvania fiduciaries, as my
personal representatives deem proper, without regard to any principle of risk or diversification;
to retain any or all assets of my estate, real or personal, without regard to any principle of risk or
diversification; to sell at public or private sale, to exchange, or to lease for any period of time,
any real or personal property and to give options for sales, exchanges, or leases, for such prices
and upon such terms or conditions as my personal representatives deem proper; and to allocate
receipts and expenses to principal or income or partly to each as my personal representatives
deem proper in their sole discretion.
ITEM VII. I direct that my personal representatives and fiduciaries shall not be required
__ to give bond for the faithful performance of their duties in any jurisdiction.
IN WITNESS WHEREOF, I have hereunto set my hand this `� °� day of
�c^` `-�`.�
� , �013.
,---�
, ,
,��i--�-`�. �v� '� , �'7�� «-h
RUTH A. HOFF?v1AN
2
Thz �eceding instrument, consisting of this and Tv►'O other n-pe��ritten pages, each
identified b�� the signature of the testatrix was on the date thereof signed, published, and declared
bv RL'TH a. HOFF'�1AN. the testatrix therein named, as and for her last will. in the presence of
us, who at her request, in her presence, and in the presence of each other, have subscribed our
names as witnesses hereto.
�� ' � � �' � �-_
����� - � � � �
c-�s.� .� �, -ti-_____
,
�
COlb�l4h�R'F.�1LTN OF PE'�'l'v�'SYL�':��i1.4 )
( SS:
COI,?vTY OE CL`MBERL.AID )
The undersigned. being the testatri� whose name is signed to the attached or foregoing
instrument, having been duly qualified according to law, does hereby acknowledge that I signed and
executed the foregoing instrument as m� last will, that I signed it willingly; and that I signed it as my free
and voluntary act for the purposes therein e�pressed.
� `'fl "1.7c �-l.. '��'#��4_..�1'l.� r'r�✓�
R�JTH A. HOFFMA � �
Sworn or affirmed to and acknowledged
� before rr►e�i�y the te trix named bove
�tiS _ d8y Of �� � , ZO13. Mdf�wEA�iH Of PENNSYtVANl,A
� NOiRR;qL SEAL
� Wendv K, $t;-u
' ' lower aiien T 'h, �`otary,oublic
L' ownshiP, CumGerland County
Not��j Pu IlC Cornmission Expires�y}ay �p, �p�5
— - ; �
�` i
COMMONWEALTH OF PENNSYLVANIA )
( SS:
COUNTY OF CUMBERLAND )
WE. ��i:<<•,._.� � ( � .— �;� and � ,L�. i-��1.=f�u �- � , the
witnesses whose names are signed to the attached or foreg nio g instrument, being duly Gualified according
to law,do depose and say that we were present and saw the testatrix sign and execute the instrument as
her last will; that she signed it willingly and that she executed it as her free and voluntary act for the
purposes therein expressed; that each of us in the hearing and sight of the testatrix signed the will as
witnesses; and that to the best of our knowledge, the testatrix was at that time 18 or more years of age, of
sound mind, and under no constraint or undue influence. �
���,/' �,.1 '� - ��. �
�
i
—- �� �
Sworn or affirmed to and acknowledged
bef h� � _day of
� , �013.
_ 1 �,, -( � ,� �
_ � � � � ���
" otary i rblic �
�� 1TM OF PENNSY�VqNif,
MOTARiAlS@AL ;
Wendy K. Siraub, Notary Public �
La+ve+AJ�en Townehip, Cumberland County�
�?Y C4mmission Expires Mqy 1 p, 2D 15
4 �
$�NCS I.��lY O��'IC�, LLC
429 SOUTH 18T"STREET PHONE: 717-730-7310
CAMP HILL,PA 17011 FAX: 717-730-7374
E-mail: mikebangs(a�verizon.net
MICHAEL L.BANGS,Attorney-at-Law WILLIAM E. MILLER,JR.
WENDY K.STRAUB,Paralegal Of Counsel
June 23, 2014
Lisa M. Grayson, Register of Wills
�
Cumberland County Courthouse r� ° - =�
� i�
�_ .�,� f'{1
One Courthouse Square ::�= � � _i c:>
Carlisle PA 17013 '='' ��� `^ �- `�'
, U � _��; :.�:r
;...i , ,
., .�_ �.,..
-•, _� ,..
' - � ,., r;i
�' � , ::J
RE: Estate of Ruth A. Hoffman
: � =, , , <�:�
File No. 21-13-1097 ��=' ��-7 ;�, � -�-,� -,
�;`� �� �.;,3 � '°��
-;; c�� �, ��,: c�y
Dear Ms. Grayson: � � ►—� �::. r�
° � cn �
� �
Enclosed for filing as part of the above-referenced estate, you will find the following:
1. The original Inventory; and
2. The original and one copy of the Pennsylvania inheritance tax return.
A refund is due in the amount of$2,257.88.
Kindly file the return accordingly and send me a receipt in the enclosed, stamped, pre-addressed
envelope.
Thank you.
�Very truly y-ours,
. ��../'`�
ichael L. Bangs
wks
Enclosures
cc: Mrs. Lynnmarie Y. Seibert
N
� t�
'----� r�
_:`.� �l C_ �'d �Y��
_a � ` ��
t j ^C' �... "� , .'7
�
� - � a �.;J
,
� CJ`7 '�3
,;, ; C';
; a , , r�r]
_ C� . � ., �
y _°,-I � �.�
V t - .
. ,..:.:J f"'a ' ;;�j
J --� ►--' �,_:.� !"sl
,� c� (:) O
Q� '�7
�
�
� � C n�
� � � �
� � � �
� � ��
�
.-� •
� .��. '.�� � n � � _, ?m
o mo
O Q'� � �o Z o ��
�
O C y
� � p O "� O C/� m N
o CD � � x � r
w.a � �7 ` �
� �p ro � � ���
,�.� C7�. � �`�S' y ���
CJ � � � � O o -=
"� "= Or � �J W ����-
�" O r '°. �"
� � � ��
�
cP ,_..
�
� �
L D C
°� ;Z._���
0
° ON�J2�
J� Cdi�.-i.-i�
?�.'_r�N
�1 - .
�� � D �
�
o m
�