HomeMy WebLinkAbout10-17-14 J 1505610143
REV-1500 EX`02_,,, �
OFFICIAL USE ONLY
PA Department of Revenue pennsylvania councy code Year File Number
Bureau of Individual Taxes OEPARTMENTOiREVENUE
PO BOX.280601 INHERITANCE TAX RETURN 21 14 0119
Harrisburg, PA 17128-0601 RESIDENT DECEDENT
ENTER DECEDENT INFORMATION BELOW
Social Security Number Date of Death Date of Birth
01 18 2014 02 O1 1950
DecedenYs Last Name Suffix DecedenYs First Name MI
KREPS BARBARA E
(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 � g. Remainder Return(Date of Death
Prior to 12-13-82)
q, Limited Estate � 4a.Fulure Interest Compromise � 5. Federal Estate Tax Return Required
❑ (date of death after 12-12-82)
Decedent Died Testate � 7. (Attach Copy�of Trust)a Living Trust g. Total Number of Safe Deposit Boxes
� 6' (Attach Copy of Will)
� g. Litigation Proceeds Received � 1� between P2 31�J1 a d't(Da95�f Death � �� Election to tax under Sec.9113(A)
T (Attach Schedule 0)
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
REGISTER OF WILLS USE ONLY
rv
C —c '� tTi
First Line of Address � Q �J ��3 n
429 SOUTH 18TH STREET �'� � c� '"? �
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Second Line of Address ��
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(I,� '
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City or Post Office State ZIP Code -; ;:., -"'.� _
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PA 17011 � `
CAMP HILL ` _., ►_, �' r'
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CorrespondenYs e-maii address: 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.
SIGNATURE OF PERSON RESPONSIBLE F FILING RETURN DATE
Mar aret M. Kenn 0 /
ADDRESS
3509 Runkles Drive Monrovia MD 1770
SIGNAT RE OF PREPARER OTHER THAN�EPRES TI DATE
` Michael L. Bangs � d
ADDR
429 South 18th Street, Camp Hill, PA 17011
Side 1
L 1505610143 1505610143 J
�
�
� 1505610243
REV-1500 EX
DecedenYs Social Security Number
Decedenl's Name: Kr@pS� Barbara E. 2 2� 5 6 5 0 5 6
RECAPITULATION
1. Real Estate(Schedule A).......................................................................................
�. 7 , 742 . 72
2. Stocks and Bonds(Schedule B)............................................................................. 2.
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. 11 , 594 . 68
6. Jointly Owned Property(Schedule F) ❑ Separate Billing Requested............ 6. 15 6. 8 8
7. Inter-Vivos Transfers&Miscellaneous�n,-Probate Property
(Schedule G) U Separate Billing Requested............ 7.
g. Total Gross Assets(total Lines 1 through 7)........................................................ 8. 19, 4 94 . 2 8
9. Funeral Expenses and Administrative Costs(Schedule H).................................... 9. 30 , 8 67 . 42
10. Debts of Decedent,Mortgage Liabilities and Liens(Schedule I)............................ 10. 43 , 318 . 74
11. Total Deductions(total Lines 9 and 10)................................................................ 11. 7 4 , 18 6 . 16
12. Net Value of Estate(Line 8 minus Line 11).......................................................... �Z. -5 4 , 6 91 . 8 8
13. Charitable and Governmental Bequests/Sec 9113 Trusts for which
an election to tax has not been made(Schedule J)............................................... 13.
14. Net Value Subject to Tax(Line 12 minus Line 13)............................................... 14. -S 4 , 6 91 . 8 8
TAX COMPUTATION-SEE INSTRUCTIONS FOR APPLICABLE RATES
15. Amount of Line 14 taxable
at the spousal tax rate,or
transfers under Sec.9116 �5 O . 0 0
(a)(1.2)X.00
16. Amount of Line 14 taxable Q . Q Q 16. � . ��
at lineal rate X .045
17. Amount of Line 14 taxable � . 0 0 17. � . ��
at sibling rate X.12
18. Amount of Line 14 taxable � . 0 0 18. � . ��
at collateral rate X.15
19. TAXDUE................................................................................................................ 19. � . 0�
20. FILL IN THE OVAL IF YOU ARE REQUESTING A REFUND OF AN OVERPAYMENT. �
Side 2
� 1505610243 1505610243 J
REV-1500 EX Page 3 File Number 21-14-0119
Decedent's Complete Address:
DECEDENT'S NAME
Kreps, Barbara E.
STREET ADDRESS
5204 Deerfield Avenue
CITY STATE ZIP
Camp Hill PA 17011
Tax Payments and Credits:
1. Tax Due(Page 2, Line 19) (1) 0.00
2. Credits/Payments
A. Prior Payments
B. Discount 0.00
Total Credits(A +B) (2) 0.00
3. Interest �3� --
4. If Line 2 is greater than Line 1 +Line 3,enter the difference. This is the OVERPAYMENT. (4)
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) 0.��
Make Check Payable to: REGISTER OF WILLS, AGENT.
?�� � `#�` �� _ ..m�� _, . �'��: ... . ...
-. � ,:
,,: ,. ,
u�a.,. �. ,.:. : : _
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:..................................
c. retain a reversionary interest;or...............................................................................................................
d. receive the promise for life of either payments,benefits or care?............................................................ ❑ ❑
2. If death occurred after Dec. 12, 1982, did decedent transfer property within one year of death without
receivingadequate consideration?.................................................................................................................... ❑ ❑
3. Did decedent own an"in trust for" or payable upon death bank account or security at his or her death?....... ❑ ❑
4. Did decedent own an individual retirement account,annuity,or other non-probate property which ❑ u
containsa beneficiary designation?..................................................................................................................
IF THE ANSWER TO ANY OF THE ABOVE QUESTIONS IS YES,YOU MUST COMPLETE SCHEDULE G AND FILE IT AS PART OF THE RETURN.
� _ ,.: rz c^:_ .. .._ .. � �``..: .., �" ; �. �, .��2*: �:
S.��.: -� ���-� , ,�.v�.: . .�'.'�,. ..:.� . T.����_ `�" ,a�'...��: . ^..�. .. _,3.�_ ,. _ . ::.� ..�,.,:� . .,.�.' ..�,, '. � ...�s ...
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+(01•10)
SCHEDULE A
pennsylvania REAL ESTATE
DEPARTMENT OF REVENUE
INHERITANCE TAX RETURN
RESIDENT DECEDENT
ESTATE OF FILE NUMBER
Kre s, Barbara E. 21-14-0119
All real property owned solely or as a tenant in common must be reported at fair market value.Fair market value is defined as the price at which property would be
exchanged between a willing buyer and a willing seller,neither being compelled to buy or sell,both having reasonable knowledge of the relevant facts.
Real property that is jointly-owned with right of survivorship must be disclosed on schedule F.
Attach a copy of the settlement sheet if the property has been sold
Include a copy of the deed showing decedenYs interest if owned as tenant in common.
ITEM VALUE AT DATE
NUMBER DESCRIPTION OF DEATH
1 Real Estate-5204 Deeerfield Avenue(Tax Parcel No. 10-19-1602-002). Sold on 6/30/2014;se 7,742.72
HUD attached. Total proceeds equal $7,742.72;$1,393.69 is held in escrow pending approval
of Pennsylvania inheritance tax return).
TOTAL(Also enter on Line 1, Recapitulation) 7,742.72
(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-1508 EX+(11-10)
SCHEDULE E
pennsylvania CASH, BANK DEPOSITS, & MISC.
DEPARTMENT OFREVENUE p E RSO NAL P RO P E RTY
INHERITANCE TAX RETURN
RESIDENT DECEDENT
ESTATE OF FILE NUMBER
Kreps, Barbara E. 21-14-0119
Include the proceeds of litigalion and the date the proceeds were received by the estate.
All property jointly-owned with the right of survivorship must be disclosed on schedule F.
ITEM VALUE AT DATE
NUMBER DESCRIPTION OF DEATH
1 Automobile-2003 Subaru Outback(see Bill of Sale attached) 4,500.00
2 Automobile-2006 Carmate trailer(see Bill of Sale attached) 750.00
3 M&T Bank-Checking Account 9856085239 216.03
4 Proceeds from yard sale-4/16/14 620.94
5 Proceeds from yard sale/personal property 104.60
6 Proceeds from yard sale 3/24/14 3,292.00
7 Proceeds from yard sale 4/8/14 1,501.00
8 Refund from Amerigas 610.11
TOTAL(Also enter on Line 5, Recapitulation) 11,594.68
(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
Kreps, Barbara E. 21-14-0119
If an asset was made joint within one year of the decedenYs date of death,it must be reported on schedule G.
SURVIVING JOINT TENANT(S)NAME ADDRESS RELATIONSHIP TO DECEDENT
A. Margaret M. Kenny 3509 Runkles Drive Sister
Monrovia, MD 21770
B.
C.
JOINTLY OWNED PROPERTY:
DESCRIPTION OF PROPERTY o�o OF DATE OF DEATH
ITEM LETTER DATE INCLUDE NAME OF FINANCIA�INSTITUTION AND BANK ACCOUNT DATE OF DEATH DECD�S DECEDENT'S INTEREST
NUMBER FOR JOINT MADE NUMBER OR SIMILAR IDENTIFYING NUMBER.ATTACH DEED FOR VALUE OF ASSE INTEREST
TENANT JOINT JOINTLY-HELD REAL ESTATE.
1 A 08/28/1964 M&T Bank-Checking Account 52819930 131.02 33.000% 43.24
2 A 10/27/2003 M&T Bank-Checking Account#9834706393 227.28 50.000% 113.64
TOTAL(Also enter on Line 6, Recapitulation) 156.88
(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•1517 EX+(10-09)
pennsylvania SCHEDULE H
DEPARTMENTOFREVENUE FUNERAL EXPENSES AND
INHERITANCETAXRETURN ADMINISTRATIVE COSTS
RESIDENT DECEDENT
ESTATE OF FILE NUMBER
Kreps, Barbara E. 21-14-0119
Decedent's debts must be reported on Schedule I.
ITEM DESCRIPTION AMOUNT
N M
q, FUNERAL EXPENSES:
See continuation schedule(s) attached 14,696.33
B. ADMINISTRATIVE COSTS:
1. Personal Representative's Commissions
Name of Personal Representative(s)
Margaret M. Kenny
StreetAddress 3509 Runkles Drive
City Monrovia state MD zio 21770
Year(s)Commission Paid 7,500.00
2. Attornev's Fees Michael L. Bangs 7,500.00
3_ Family Exemption: (If decedenYs address is not the same as claimanYs,attach explanation)
Claimant
Street Address
City State Zio
Relationship of Claimant to Decedent
4. Probate Fees 183.50
5. AccountanYs Fees 810.00
6. Tax Return Preparer's Fees
7. Other Administrative Costs 177.59
See continuation schedule(s)attached
TOTAL(Also enter on line 9, Recapitulation) 30,867.42
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
Kreps, Barbara E. 21-14-0119
ITEM
NUMBER DESCRIPTION AMOUNT
Funeral Ex et� nses
1 Malpezzi Funeral Home 10,890.33
2 Rolling Green Cemetery 1,495.00
3 Rolling Green Cemetery-headstone expense 2.311.00
H-A 14,696.33
Other Administrative Cost�
4 Cumberland Law Journal-estate advertisement 75.00
5 The Patriot News Co.-estate advertisement 102.59
H-B7 177.59
Copyright(c)2002 form software only The Lackner Group, Inc. Form PA-1500 Schedule H(Rev.6-98)
Rev-1512 EX+(12-08)
SCHEDULE 1
pennsylvania DEBTS OF DECEDENT,
DEPARTMENT OFREVENUE
INHERITANCETAXRETURN MORTGAGE LIABILITIES AND LIENS
RESIDENT DECEDENT
ESTATE OF FILE NUMBER
Kreps, Barbara E. 21-14-0119
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 AAA Financial Services-credit card debt 696.59
2 Bank of America-Account#8525)credit card 13,562.90
3 Bank of America-Account#8668 credit card 590.44
4 Discover Card-credit card debt 9,009.84
5 FHL Blood&Cancer Specialists, LLC 264.29
6 Hampden Township-sewer/trash 4/8/14 170.56
7 Hampden Township-4/1/14 to 6/30/14 155.05
8 HDIS 275.61
9 Holy Spirit Hospital -Account 47012729 ��•28
10 Home Depot-credit card 2,447.06
11 M&T Bank-Home Equity Line of Credit 5,333.81
12 PA American Water Company-4/8/14 132.69
13 PA American Water Co. -4/11/14 25.56
14 PA American Water Co. -6/13/14 67.05
75 PA American Water Company-Final Bill 22•9$
16 Pinnacle Health Emergency-Account PC1 1072776 461.00
17 Pinnacle Health Emergency-Account 29189975 62.08
Total of Continuation Schedule See attached page
TOTAL(Also enter on Line 10, Recapitulation) 43,318.74
(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-7572 EX+�12-08)
SCHEDULE 1
pennsylvania DEBTS OF DECEDENT,
DEPARTMENT OF REVENUE
INHERITANCETAXRETURN MORTGAGE LIABILITIES AND LIENS
RESIDENT DECEDENT
continued
ESTATE OF FILE NUMBER
Kreps, Barbara E. 21-14-0119
ITEM VALUE AT DATE
NUMBER DESCRIPTION OF DEATH
18 Pinnacle Health Hospital-Account#PCH 1002262 25.06
19 Pinnacle Health Hospital -Account 633530 327.06
20 Pinnacle Health Hospitals-Acct.600535 211.60
21 PP&L Electric-4/8/14 1,129.51
22 PP&L Electric-3/8/14 to 4/4/14 110.25
23 Quantum Imaging&Therapeutic Associates 66.55
24 Quest Diagnostics 10.83
25 Sears-credit card debt 6,760.50
26 Travelers Insurance-(homeowners) 149.25
27 U S Treasury-Tax due on 2013 income tax return 1,119.00
28 Verizon Wireless 60.34
TOTAL(Also enter on Line 10, Recapitulation) 43,318.74
Copyright(c)2008 form software only The Lackner Group, Inc. Form PA-1500 Schedule I(Rev. 12-08)
REV-1513 EX+(01-10)
pennsylvania SCHEDULE J
DEPARTMENT OF REVENUE
INHERITANCE TAX RETURN BENEFICIARIES
RESIDENT DECEDENT
ESTATE OF FILE NUMBER
Kreps, Barbara E. 21-14-0119
NAME AND ADDRESS OF RELATIONSHIP TO SHARE OF ESTATE AMOUNT OF ESTATE
NUMBER PERSON(Sl RECEIVING PROPERTY DECEDENT (N/ords) ($$$)
TAXABLE DISTRIBUTIONS [include outright spousal
I• distnbutions,and transfers
under Sec.9116 a 1.2
Margaret M. Kenny Sister one-third
3509 Runkles Drive
Monrovia, MD 21770
John R. Kreps Brother one-third
3609 NW County Road 1100
Corsicana,TX 75110
Thomas B. Kreps Brother one-third
320 Tallowwood Drive
Garner, NC 27529
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)
" OMB Approval No.2502-0265
'� A. Settlement Statement (HUD-1)
,��,;
.. . ..
• 6.File Number: 7.Loan Number: 8.Mortgage Insurance Case Number:
1.Q FHA 2.❑RHS 3.QX Conv.Unins. 14t� 1404040000
4.Q VA 5.❑Conv.Ins.
C.Note:This fortn is furnished to give you a statement of adual settlement costs.Amounts paid to and by the settlement agents are shown Items marked
"(p.o.c)"were paid outside the closing;they are shown here for informational purposes and are not incfuded in the totals.
D.Name 8 Address of Borrower: E.Name&Address of Seller: F.Name 8 Address of Lender:
Mark D.Ackley,Karen R.Ackley Estate of Barbara E.Kreps Integrity Bank
517 Gale Road,2nd Floor,Camp Hill,PA 17011 5204 Deefield Avenue,Mechanicsburg,PA 17050 3345 Market Street,Camp Hill,PA 17011
G.Property Location: H.Settlement Agent: I.Settlement Date:06I30/2014
5204 Dee�eld Avenue Keystone Land Transfer,Ltd Disbursement Date:06J30/2014
Mechanicsburg,PA 17050 3421 Market Street,Camp Hill,PA 17011
Hampden Township
717-731-4200
Place of Settlement: TitleExpress
3421 Market Sireet,Camp Hill,PA 17011 Printed 06J30/2014 at 1:58 pm
by KS
. :.
. �
100. Groaa Amount Due from Borrower 400. Groas Amount Due to Seller
101. Contract sales price 167,900.00 401. Contract sales price 167���
102. Personal r 402. Personal o rt
103. Settlemeni charges to borrower(line 1400) 8,020.06 403.
104. 404.
105. �5
Ad'uatments for ttems aid b aeller In advance Ad us4nents for kema id b seller fn advance
106. Cityllown taxes to 406. Cityttrnvn taxes to
t07. County taxes 06/30120t4 to t213112014 274.68 407. County taxes 0613012014 to 1213112014 274.68
ipg. SchoolTyx p6130/2014to Ofi130/2014 5.03 408. SchoolTax O6/3012014to 06/30I2014 5.03
109. Sewer 06/30/2014to 06I30/2014 1.70 409. Sewer 0613012014to 06l3012014 1.70
110. 410.
111. 411.
112. 412.
120. Grose Amount Due hom Bortower 176,201.47 420. Grosa Amount Due to Seller 168,181.41
200. Amowria Paid b or in Behalf of Borrower 500. Reductlooa In Amouet Due to Selier
201. Deposit a eamest money 5,000.00 501. Excess deposit(see instrudions)
202. Prinapal amount af new loan(s) 134,320.00 502. Settlement charges ro selier Qine 1400) 14,048.63
203. Existin b s t�cen sub ect to 503. Existin ba s taken su ect to
z� 504. Payoff of first mortgage loan to M&T Bank 139,783.75
z� 5p5. P off of second mort loan
206. Seller Assist 8,000.00 506. Seiler Assist 8���
207. 507.
208. �
209. �
Ad uatments for items un id b selkr Ad'ustments for kems un id b seller
210. Cityltown taxes to 510. Cityhown taxes ro
211. County tattes l0 511. County taxes to
212. SchoolTax to 512. SchoolTax to
213. 513.
214. 514.
215. 515.
216. 5t6.
217. 517.
2t8 518.
219. 519.
220. Total Paid b Ifor Bortower 147,320.00 520. Total Reductlon Amount Due Seller 161,832.38
300. Caah at Settlement fromlto Borrower 60b. Cash at Setdert�ent tolFrom Seller
30�. Gross amount due from barower(line 120) 176,201.47 fip�. Gross amount due to seiler(line 420) ��.�8�4t
30Y. Less amounts paid by�a barower(line 220) 147,32(1.00 602. Less reductions in amount due seller(line 520) 161,832.38
303. Caah QX From ❑ To Borrower 28,881.47 603. Cash QX To ❑ From Seller 6,349.03
Mb lorm.unMfs p UilpltYs�wrterM7 vNE 01AB coMmi numEer.No canllOarRI�01Y b cuureC:IMs Ehdown is manEalorY.TMa Is EeNO'�lo O��e Ilro MrHes m�RESP�covmeC IrmsaUbn MM Infamalbn CuM^O i�e
setllameni pouaa
Previous editions are obsolete Page 1 0 4 HUD-1
700. Total Reai Eatate Broker Feea $9,894.00 Paid From Paid From
Divisionotcommission Iine700 asfollows: Borrower'S Selle�'S
��� $4,797.00 to Hooke,Hooke&Eckman Funds at FundS at
702. $5,pg7,pp �o Thompson Wood Real Estate Settlement Settlement
703. Canmission paid al settlement g,ggq,pp
704. Attomey Fee �o Bangs Law Office,LLC 5pp,pp
705. 8roker Fee �p Hooke,Hooke&Eckman 245.00
800. Rema Pa able In Connectbn with Loan
801. Our ongination charge (InGudes Origination Pant 0.000°k or$0.00) $728.00 (from GFE#t)
802. Your credit or charge(points)for the specific interest rate chosen $ (from GFE#2)
803. Your adjusted aigination charges (from GFE A) 728.00
804. Appraisal fee to D A POtts (from GFE#3) 375.00
805. Credit repoR to First american Credco (from GFE#3) 49.82
806. Tax service to Colonial Savin s (from GFE#3) 89.00
807. Flood certification to First American Credco (from GFE�3) 12.00
808. to
900. items R ufred b lender to be Paid in Advance
90t. Daily interest charges from from 06/3012014 to 0710112014 @$15.8572/day (from GFE#10) 15.86
902. Mort e insurance remium months to from GFE#3
903. Homeowner's insurance for 1 ears to Erie Insurance (from GFE#11) 817.00
904. months to fran GFE#11
1000.Reserves De sited with Lender
1001. Initial deposit fa your escrow account (fran GFE#9) 2,102.33
1002.Homeowners insurance 3 rrwnths $ 68.08/month $204•Z4
1003. Mort e insurance monlhs $ /month
1004. Pro rt taxes months $ Imonth
1005.County taxes 5 months $ 45.161month $225.80
1006.School Tax �3 months $ 153.01Imonth 81,989.13
1007.Aggregate Adjustment $-316.84
1100.Tifle Cha es
1101.Title services and lenders title insurance from GFE#4 �,42�.00
1102. Settlement or closing fee �p $
1103.Owner's title insurance-First American Title Insurance Company $ ��FE�,5 165.00
t 104. Lenders title insurance-First American Title Insurance Company $1,300.00
1105. Lender's title policy�imit$134,320.00 Lenders Pdicy
1106. Owners title policy limit$167,900.00 Owners Policy
1107.Agenfs pation of the total title insurance premium $1,181.50
to Ke stone Land Transfer,Ltd
1108. Underwnters portion of the total title insurance premium $283.50
to First American Tide Insurance Com an
1109.
1110. NWary Fee to Kristen D.Shive 10.00
1111.Wire Out Fee-Payoff to Ke stone Land Transfer,Ltc 20.00
1112.Tax Certification Fee to Ke stone Land Transfer,Ltc 1�.00
1200. Govemment Recordin and Tranafcr Cha ea
1201.Govemment recording charges $ (from GFE#7) 160.00
1202. p�$g7.00 Mort e$93.00 Release$
1203. Transfer taxes $ (from GFE#8) 1,679.00
1204. City/County tax/stamps p�$1,679.00 Mort $
1205. State Tax/stamps Deed$1,679.00 Mort $ 1,679.00
1� Deed E FAort e$
1300.AddiUonal Setdement Cha es
1301.Required services that you can shop for (from GFE#6)
1302. to
1303. io
1304. to
1305. to
1306. 2014 CountylTownship Taues to Michael Lan an ����
1307.Sewer 711-9130 to Ham Townshi 'f55.05
1308. Inheritance Tax to Ke stone Land Transfer,�td 1,393.6
��� . �:, • � • . . . � • . 8,020.06 14,048.63
'Paid outside of dosing by(B�rrower,(S�eller,(L�ender,(I)nvesta,Bro(K�r."Credit by lender shown on page 1."'Credit by seller shown on page i.
Previous editions are obsolete Page 2 0 4 HUD-1
Com arfson of Good Faith EsUmate GF and HUD-1 Cha es Good Faith Eadmate HUD-1
Cha ea That Cannot Increase HU0.1 Line Number
Our origina6on charge # 8�� $Z8.00 �28'00
Your credit a charge(points)for the specific interest rate chosen # 8p2 0.00 0.00
Your adjusted origination charges # 8�3 828.00 �z8.00
Transfertaxes q 1203 1,679.00 1,679.00
Cha ea That in Total Cannot Increase More Than 10°k Good faith Eatimate HUD�1
Gov�nment recading charges p 1201 175.00 160.00
Appraisal fee p 804 375.00 375.00
Credit report p 805 40.00 49.82
Tax service g 806 89.00 89.00
Floodcert�cation # 80� �2.00 �2.00
Title services and lender's title insurance # »�� 1,650.00 1,427.00
Owners title insurance-First American Title Insurance Company � 1103 50.00 165.00
#
2,391.00 2,277.82
� $ -113,18 pr �.7336%
Cha ea That Can Chan e Good Faith EaGmate HU0.1
Initial deposit for your escrow aceount # ��� 2,550.00 _ 2,102.33
Daily interest charges from p 901 $15.85721da 234.60 15.86
Homeowner's insurance # 903 600.00 817.00
#
#
#
Loan Terms
Your initial loan amount is $134,320.00
Your loan term is 30.years
Your initial interest rate is 4.2500%
Your initial monthty amount owed for pnnapal,interest,and any mortgage $660.78 includes
insurance is ❑X Principal
QX Interest
❑MoRgage Insurance
Can your interest rate nse? QX No, ❑Yes,it ca�rise ro a maximum of °h. The first change
will be on 1 I and can change again every years after I I Every
change date,your interest rate can increase a decrease by °!o. Over the life oi
the loan,your interest rate is guaranteed to neve�be lower than %or higher
than %.
Even'rf you make payments on time,can your loan balance rise? QX No. ❑Yes,it can rise to a maximum of$
Even'rf you make payrtients on time,can your monthly amount owed fa QX No. ❑Yes,the first i�crease can be on I 1 and the monthly
prinapal,interest,and rtrortgage insurance nse? amount owed can rise ro$
The maximum it can ever rise to is$
pces your loan have a prepayme�t penalty? QX No. ❑Yes,your mauimum prepayment peoalty is$
poes your loan have a bailoon payment? QX No. ❑Yes,you have a balloon payment of$ due in
years on ! 1
Total monthly artwunt owed including escrow account payments ❑You do not have a monlhly escrow payment tor items,such as property taxes
and homeowners insurance. You must pay these items directly yoursel(.
Q You have an additional monthly escrow payment of$266.25
that results in a total initial monthly amount owed oi$927.03. This indudes
principal,interest,any mortgage insurance and any items'F�cked below:
QX Property taxes ❑X Haneowner's insurance
�Flood insurance ❑X �°°�PropeRy Tax
❑ �
Note: If you have any quesGons about the Settlement Charges and Loan Terms listed on this form,piease contact your lender.
Previous editions are obsolete Page o 4 HUD-1
HUD CERTIFICATION OF BUYER AND SELLER
I have carefully reviewed the HUD-1 Settlement Statement and to the best of my knowledge and belief,it is a true and accurate statement of all receipts and
disbursements made on my account or by me in this transadion.I further certify that I have received a copy of the HUat Settlement Statement.
Mark D.Ackley
�—'_ —
K n R. Ckley
�
Esta of Barbara E.Kreps
The HUD-t Settlement Statement which I have prepared is a true and accurate account of this transaction.I have caused or will cause the funds to be
disbursed in accordance with this statement.
� 0
SETTLEM AGENT DATE
WARNING:IT IS A CRIME TO KNOWINGLY MAKE FALSE STATEMENTS TO THE UNITED STATES ON THIS OR ANY SIMILAR FORM.PENALTIES UPON
CONVICTION CAN INCLUDE A FINE AND IMPRISONMENT.FOR DETAILS SEE TITLE 18:U.S.CODE SECTION 1001 AND SECTION 1010.
Previous editions are obsolete Page 4 of 4 HUD-1
. . ��
Name of 8orrower: Name of Seller: File Number:
Prepared 06/30/2014 at 1:58 pm
Note:This page displays an itemization of the credits shown in section 200 of the HUD-1 Settlement Statement This page
accompanies but is not a part of the HU0.1 Settlement Statement If a discrepancy exists,the infortnation on the HUD-1 Settleme�t
Statement applies.
Credits CredR
. . . .. • .•
Name of Bortower: Name of Seller File Number:
Mark D.Ackley Estate of Barbara E.Kreps t4156
Karen R.Ackley
Prepared O6l30/2074 at 1:58 pm
Note:This page displays an itemization of the adjusted origination charges shown in section 800 of the HUD-1 Settlement Statemen
This page accompanies but is not a part of the HU0.1 Settlement Statement.If a discrepancy exists,the information on the HUD-1
Settlement Statement applies.
Your Loan Originafion Charges Borrower Seiler
801. Our origination charge (Includes Origination Point 0.000%w 50.00)
Undenvriting Fee to Int rit Bank $ 695.00
Lender poc Prep Fee to Int ri Bank $ 33.00
602. Your aedit or charge(points)fa the specific interest rate chosen
to $ 0.00
803. Your adjusted origination charges 728.00 0.00
. . �
Name of Borrower: Name of Seller: File Number,
Mark D.Ackley Estate ot Barbara E.Kreps 14156
Karen R.Ackley
Prepared 06/30I2014 at 1:58 pm
Note:This page displays an itemization of the charges shown on line 1101 of the HUD-1 Settlement Statement This page
accompanies but is not a part of the HU0.1 Settlement Statement.If a discrepancy exists,the infortnation on the HU0.1 Settlement
Statement applies.
1100.TiUe Charges Total Charge Borrower Setler
��p�,Title services and lenders title insurance to
Wire In Fee to Ke stone Land Trensfer,Ltd $ �Z.00 �2.00
Ovemight Delivery Fee-Package to Ke stone Land Transfer,Ltd $ 25.00 25.00
EmaiflDoc Copy Fee to Ke stone Land Transfer,Ltd $ 35.00 35.00
Notary Fee to Kristen D.Shive $ 55.00 55.00
1102.Settiement a closing fee to g 0.00
1104.Lender's title insurance-First American Tit to First American Title Insurance G$ �,�� ���•�
Totals: S 1,427.00 0.00 1,427.00 0.
SelledLender credKs shown on a e 1 POC=Pald OutsWe Closin CR=Lender Credft
Previous editions are obsolete Page 1 0 1 HUD-1
� ���TBarik
499 Mitchcll Road,Miilsboro,DE 19966 Ad�ustment Services
Phone 888-502�349
f a� (302)934-295�
March 4.2014
Bangs Law Office, LLC
429 Soath 18"' Street
Camp Hill, PA 17011
Re: Estate of Barbara E. Kreps
Social Securitv: 220-56-50�6
Date of Death: Januarv 18, 2014
Dear Sir or Madam:
Per your inquiry on February 25, 2014, please be advised that at the rime of dea�, �e abov�named d�crt
had on deposit with this bank the following:
1. Type of Account Checking Accoura
Account Number �2819930
Ownership(Names of) Margaret Kenrry
Barbara Kreps
Russell V. Kreps
Opening Date 08i28�1964
Balance on Date oJDecuh � 13� ��
Accrued lrrteresr � 00
Ta� S 131.01
2. Type of Accau�u Checking Account
Account Number 9834?06393
Ownershrp(Names of .�fargarer Kenrry,
Barbara Kreps
Openirrg Date 10�2'%2003
Balance on Date of Dearh $ ��''��
Accrued Irrrerest �S .0I
Total S '_".28
3. Type ofAccouru Cheddng Account
Account Number 9856085239
Ownership(Names ofJ Bc�bara Kreps
Openir�Date 03/07/2012
Balance on Date of Decuh � 216.03
Accrued lnterest S 00
Tota! �216.03
4. Type of Account Checldng Accounr
Account Number 9861 J79693
Ownership(Names ofJ Bar6ara Kreps(Executor)
Russell V. Kreps(Estate)
Openircg Dare 08/I6/20I3
Balance on Dare oJDeath $ 190.97
Accrued Iraerest �E 00
Total % 190.0'
5. Type ofAccount Installment Loan
Accowu Number 12044456359!9b001
Ownership(Names ofJ Barbara Kreps
Opening Date (k4/22/1008
&rlance on Date of Death 50.00"Thrs amoura is not to�balcv�c�
Payo,�f'purposes. For a paya.�
please call 1-$00-724-244�
Current Balance S (� ** This balance rs not a
Payo.�balance
For aay sdditjoua!infortmtion on the above accounts,inciudiQg ownerodip aad any changes,closures and/or reimbursement of funds,
plpue np tbe H:mpden ai 7t7-25�2293.
Wc were uoable ro locate any safe deposit boz for t6e above-meaaoned decedent
TLia ledu doa not inclade�wy saounU in wiricd the dxe�sed may 6ave bcrn tisoed as Power of Attoroey,Custodian of Uoiform Tnosfas,
Repreaen�M�e P�yee,or TnBtee under a Wrimn Agrcement
Su1CeT'21y>
Valarie Meacer
Records Management
BILL OF SALE
I,IVIARGpRET X:��NNY,Executrix of the Estate of Barbara E.Kreps,do hereby sell a
2003 Subatv,Vehicle Identification Number(VIl� 4S3BH806437625727 to
Margaret M. Kenny,for the sum of Four Thousand Five Hundred($4500.00)Dollars.
Date: August 14,2014
ARET
BILL OF SALE
I,MARGARET KENNY,Execut�x of the Estate of Barbara E. Kreps,do hereby sell a
2pp(Carmate,Vehicle Identification Number(VTN)SA3CS 10S56L003643 to
Rober�W.Kemiy, for the sum of Seven Hundred FiftY (�750.00)Dollars.
Date: August 24,2014 T
�
�..�.--.+ 5521 CARLISLE P1KE �f5'ANIGSBURG, PA 17050 �---�i�
T'ELEPHONE (717) 697-1800 EAX (717) 697-1866
LAST WII,L A�}TESTAMENT
OF
BARBARA E. KREPS
I, BARBARA E. KREPS, of Cumberland County, Pennsylvania, declare �his to be
my Last Will, hereby revoking all prior wills and codicils.
FUNERAL EXPENSES
FIRST: I direct the payment of my funeral expenses, including my gravemarker,
as soon as may be convenient after my death.
PAYMENT O� I}�ATH Tr�XES
SECOND: I direct that all taxes that may be assessed in consequence of my death,
of whatever nature and by whatever jurisdiction unposed, shall be paid from my residuary
estate as a part of the expense of administration of my estate.
PERSONAL PROPERTY
T�iIRD: I bequeath those items of my household furnishings, personal effects,
and personal property as I may set forth in a separate signed memorandum to the peisons
named in that memorandum.
DISTRIBUT�OAt (3F RESIDUE
FOUR3'�I: I give the entire residue af my estate equally to my siblings,
MARGARET M. KENNY, THOMAS B. KREPS, and JOHN R. K:REPS, providing they
-- shall survive me for a period of thirty (30) days. If they s�all not so survive me, I give
their shaze of my estate to his or her natural descendants living on the thirty-first day
following my death.
PROTECTION OF B��tEFICIARIES
(Speadt:�ri€t Pro�ision)
FI�TH: No interest in income or principal shall be assignable by a beneficiary or
available to anyone having a claim against a be�eficiary before actual payment to the
beneficiary.
�u� c��ra�� o�
MINORS AND INCAPACITATED BENEFICIARIF:S
SIXTH: If any income or principal shall be payable to any person who shall be a
minor, my executor, as trustee shall hold such income and principal during minority and
shall be entitled to apply such income and principal to the health, maintenance, support
and education of such person during minority without the appointment of any committee
or any authority of court. My trustee shall be entitled to make direct application
hereunder or to make application by payment of income and principal to the parent or
other person in charge of such minor or to his or her guardian or to a custodian under the
Uniform Transfers to Minors Act. Trustee may, in discharge of all the Trustee's duties,
pay any minor's share deemed impractical of administration to the parent or other person
in charge of the minor or to his or her guardian or to a custodian for the minor under the
Uniform Transfers to Minors Act. Any remaining income and principal to which such
person shall be entitled shall be distributed to such person upon such person reaching the
age of 18. My Trustee shall have the same powers as my executor and shall serve without
bond.
If any income or pnncipal shall be payable to any person who shall be
incapacitated for any reason, my executor, as trustee shall hold such income and principal
during incapacity and shall be entitled to apply such income and principal to the health,
maintenance, support and education of such person during incapacity without the
appointment of any committee or any authority of court. My Trustee shall have the same
powers as my executor and shall serve without bond.
POWERS OF EXECUTOR
SEVENTH: I confer upon my executor the right to sell or otherwise convert any
real or personal property at public or private sale, at such time or times, in such manner,
and for such price or prices, and upon such terms and conditioas as my executor shall
determine, and to execute and deliver good and sufficient conveyances, assignments and
transfers thereof, without liability of any purchaser for the application of any
consideration; to borrow money and to secure its payment by mortgage of real or personal
property, pledge of investments or otherwise, without liabiliry on the part of the lenders to
see to the application thereof; to retain any investments at discretion; to invest and
reinvest at discretion, without restriction to so-called "legal investments;" to make
distribution in cash or in kind; and to do all other acts and things necessary or appropriate
in the management, administration and distribution of my estate.
� �
EIGH�'H: I appoint MARGARET M. KENNY executor of my will. If
MARGARET M. KENNY is unable or unwilling to qualify as executor or having
qualified is unable or unwilling to act, I then appoint THOMAS B. KREPS as executor
hereof. I direct that my executor shall not be required to furnish security in any
jurisdiction.
INTERCHANGEABILITY OF LANGUAGE
IVINTH: Words used in the singular may be read to include the plural or the
plural may be read as the singular. Sunilarly, the masculine form may be read to include
the femin.ine and neuter; the fenunine may be read to include the masculine and neuter;
and the neuter may be read to include the masculine and feminine.
HEADINGS
TENTH: The headings used on the various paragraphs of this will are included
for convenience only and shall have no legal significance.
I have signed this Will this 14th day of March, 2006.
a;��� �. 7
BARBARA E. KRE S
Wi ss
_. / �
Witness
ACKI'�I() aud AFFIDAVIT
COMMONWEALTH OF PENNSYLVANIA:
: SS.
COUNTY OF CUMBERLAND :
I BARBARA E. KRE�S, the testatri}c/or in, and
��.(�U��Gt ,�C, I��Ct � and �lo�YlQ.� � ��''�'l.� _ , the
witnesses to the last will, the attached or foregoing instrument, who have signed the
instrument, having been duly qualified according to law do depose and say:
(a) that I, the testatnx/or, do hereby acknowledge that I signed and executed the
instrument as my last will, that I signec� it willingly and as my free and
voluntary act for the purposes therein expressed; and
(b) that we, the witnesses, were present and saw the testatrix/or sign and execute
the instrument as her last will, that she signed it willingly and 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/or signed the will as a witness and that to the
best of our knowledge the testatrix/or was at that time 18 or more years of age,
of sound mind and under no constraint or undue influence.
�a,��- �
ARBARA E. KREP
'c�:�=Gf� '
Witness
%'�. (� ��
COhlMON1MF,ALTH OF PENNSYLVANIA W1LIlESS
NOTARIAL SFI�L - _
JUDD M.AHRENS,Notary Public
Med�nicsburg Boro.,Cumbertand Cou�ty l n,� _
�Sion Expires May 23,2009 y{/j � -- � - _
N tary Public -