Loading...
The URL can be used to link to this page
Your browser does not support the video tag.
Home
My WebLink
About
03-05-15 (3)
1505611185 REV-1500 EX(02-11)(FI) OFFICIAL USE ONLY PA Department of Revenue County Code Year File Number Bureau of Individual Taxes INHERITANCE TAX RETURN PO BOX 280601 21 13 1311 Harrisburg,PA 17128-0601 RESIDENT DECEDENT ENTER DECEDENT INFORMATION BELOW Social Security Number Date of Death MMDDYYYY Date of Birth MMDDYYYY 12072013 03141923 Decedent's Last Name Suffix Decedent's First Name M I ZEIGLER FREDA M (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 BOXES BELOW ® 1. Original Return ❑ 2. Supplemental Return ❑ 3. Remainder Return(Date of Death Prior to 12-13-82) ❑ 4. Limited Estate ❑ 4a. Future Interest Compromise(date of ❑ 5. Feder*Estate Tax Return Required death after 12-12-82) © 6. Decedent Died Testate 7. Decedent Maintained a Living Trust 1 8. Total Number of Safe Deposit Boxes (Attach Copy of Will) (Attach Copy of Trust.) ❑ 9. Litigation Proceeds Received ❑ 10.Spousal Poverty Credit(Date of Death ❑ 11. Election to Tax under Sec.9113(A) Between 12-31-91 and 1-1-95) (Attach Schedule O) CORRESPONDENT- THIS SECTION MUST BE COMPLETED.ALL CORRESPONDENCE AND CONFIDENTIAL TAX INFORMATION SHOULD BE DIRECTED TO: Name Daytime Telephone Number RICHARD C . SNELBAKER 717-697-8528 REGISTER OF WILLS USE ONLY ry First Line of Address ' C7 � C ' 44 WEST MAIN STREETa Second Line of Address I_' �+ M crl a z s City or Post Office State ZIP Code M D71E;FILED MECHANICSBURG PA 17055 t"rl Correspondent's e-mail address: N 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 ESPO SIBLE FOR FILING RETURN DAT 0/ DRESS FREDA M. Z IGL R, EXECUTRIX 248 NORTH LOCUST POINT ROAD, Mechanicsburg SIGTRE O�VARER OTHER THAN REPRESENTATIVE DATE PA 1 050 RICHARD C . SNELBAKER, ESQUIRE 44 WEST MAIN STREET, MECHANICSBURG PLEASE USE ORIGINAL FORM ONLY EA I/UDJ Side 1 1505611185 OM46473.000 1505611185 J 1505611285 REV-1500 EX(FI) Decedent's Social Security Number Decedent's Name: Z E I G L E R F R E D A M RECAPITULATION 1. Real Estate(Schedule A) . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1 149-1000 - 00 2. Stocks and Bonds(Schedule B) . . . . . . . . . . . . . . . . . . . . . . . . . 2. 52 A21-8 4 3. Closely Held Corporation,Partnership or Sole-Proprietorship(Schedule C). , , . . 3. 0 .00 4. Mortgages and Notes Receivable(Schedule D) . . . . . . . . . . . . . . . . . 4_ 0 .00 5. Cash, Bank Deposits and Miscellaneous Personal Property(Schedule E) . . . . . 5. 3621224 -69 6. Jointly Owned Property(Schedule F) ❑ Separate Billing Requested _ . , . 6, 0 .00 7. Inter-Vivos Transfers&Miscellaneous Non-Probate Property (Schedule G) El Separate Billing Requested . . . . 7. 0 .00 8. Total Gross Assets(total Lines 1 through 7) . . . . . . . . . . . . . . . . . . 8. 564-1046-53 9. Funeral Expenses and Administrative Costs(Schedule H). . . . . . . . . . . . . 9. 63 1618 .8 9 10. Debts of Decedent, Mortgage Liabilities,and Liens(Schedule 1) , , . . . . , . . 10, 31525-96 11. Total Deductions(total Lines 9 and 10). . . . . . . . . . . . . . . . . . . . 11. 67-1144 •85 12. Net Value of Estate(Line 8 minus Line 11) . . . . . . . . . . . . . . . . . . . 12, 496 1 901 . 68 13. Charitable and Governmental Bequests/Sec 9113 Trusts for which an election to tax has not been made(Schedule J). . . . . . . . . . . . . . . . 13. 0 .00 14. Net Value Subject to Tax(Line 12 minus Line 13) . . . . . . . . . . . . . . . 14, 4961901 -68 TAX CALCULATION -SEE INSTRUCTIONS FOR APPLICABLE RATES 15. Amount of Line 14 taxable at the spousal tax rate,or transfers unAer Sec.9116 (a)(1.2)X.0- 0 .00 15. 0 .00 16. Amount of Line 14 taxable at lineal rate X.0 L5 4961901 .68 16. 221360 . 58 17. Amount of Line 14 taxable at sibling rate X.12 0 . 00, 17. 0 .00 18. Amount of Line 141axable at collateral rate X.15 0 .00 18. 0 . 00 19. TAX DUE . . . . . . . . . . . . 19. 22-1,360 - 58 20. FILL IN THE BOX IF YOU ARE REQUESTING A REFUND OF AN OVERPAYMENT Side 2 1505611285 1505611285 OM4648 3.000 REV-1500 EX(FI) Page 3 File Number Decedent's Complete Address: 21 13 1311 DECEDENTS NAME ZEIGLER FREDA M STREET ADDRESS 248 NORTH LOCUST POINT ROAD, SILVER SPRING TOWNSHIP CUMBERLAND COUNTY CITY STATE ZIP MECHANICSBURG PA 17050- Tax Payments and Credits: 1. Tax Due(Page 2,Line 19) (1) 22,360 - 58 2. Credits/Payments A. Prior Payments 201000 - 00 B. Discount 1-1000 - 00 Total Credits(A+B) (2) 21,000 - 00 3. Interest (3) 0 .00 4. If Line 2 is greater than Line 1 +Line 3,enter the difference.This is the OVERPAYMENT. Fill in box on Page 2,Line 20 to request a refund. (4) 0 . 00 5. If Line 1 +Line 3 is greater than Line 2,enter the difference.This is the TAX DUE. (5) 11360 - 58 Make check payable to: REGISTER OF WILLS, AGENT. PLEASE ANSWER THE FOLLOWING QUESTIONS BY PLACING AN"X"IN THE APPROPRIATE BLOCKS 1. Did decedent make a transfer and: Yes No a. retain the use or income of the property transferred . . . . . . . . . . . . . . . . . . . . . . . . RI b. retain the right to designate who shall use the property transferred or its income . . . . . . . . X c. retain a reversionary interest . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . d. receive the promise for life of either payments,benefits or care? . . . . . . . . . . . . . . . . . . ❑ 2. If death occurred after Dec. 12, 1982,did decedent transfer property within one year of death without receiving adequate consideration? . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . FRI❑ 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 contains a beneficiary designation? . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . ❑ IF THE ANSWER TO ANY OF THE ABOVE QUESTIONS IS YES, YOU MUST COMPLETE SCHEDULE G AND FILE IT AS PART OF THE RETURN. For dates of death on or after July 1, 1994, and before Jan. 1, 1995,the tax rate imposed on the net value of transfers to or for the use of the surviving spouse is 3 percent[72 P.S.§9116(a)(1.1)(i)]. For dates of death on or after Jan. 1, 1995, the tax rate imposed on the net value of transfers to or for the use of the surviving spouse is 0 percent [72 P.S.§9116 (a)(1.1)(ii)]. The statute does not exempt a transfer to a surviving spouse from tax,and the statutory requirements for disclosure of assets and filing a tax return are still applicable even if the surviving spouse is the only beneficiary. For dates of death on or after July 1,2000: • The tax rate imposed on the net value of transfers from a deceased child 21 years of age or younger at death to or for the use of a natural parent, an adoptive parent or a stepparent of the child is 0 percent[72 P.S.§9116(a)(1.2)]. • The tax rate imposed on the net value of transfers to or for the use of the decedent's 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 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. OM4671 2.000 REV-1502 EX (12-12) � SCHEDULE A pennsylvania DEPARTMENT OF REVENUE INHERITANCE TAX RETURN REAL ESTATE RESIDENT DECEDENT ESTATE OF: FILE NUMBER: Freda M Zeigler 21 131311 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 fads. Real property that is jointly-owned with right of survivorship must be disclosed on Schedule F. Attach a copy of the settlement sheet if the property has been sold. ITEM Include a copy of the deed showing decedent's interest if owned as tenant in common. VALUE AT DATE NUMBER DESCRIPTION OF DEATH 1. Property known and numbered as 149,000.00 248 North Locust Point Road, Silver Spring Township, Cumberland County, Mechanicsburg, PA 17050, appraised value (see attached appraisal) TOTAL (Also enter on Line 1,Recapitulation.) $ 149,000.00 2w4695 2.000 If more space is needed,use additional sheets of paper of the same size. REV-1503 EX+(8-12) pennsylvania SCHEDULE B DEPARTMENT OF REVENUE INHERITANCE TAX RETURN STOCKS & BONDS RESIDENT DECEDENT ESTATE OF FILE NUMBER Freda M Zeigler 21 13 1311 All property jointly owned with right of survivorship must be disclosed on Schedule F. ITEM VALUE AT DATE NUMBER DESCRIPTION OF DEATH 1, MetLife, Inc. 2,125.44 41 shares of common stock valued at $51.84 per share 2 U.S. Savings Bonds 50,696.40 41 E & EE bonds (see attached tabulation) TOTAL (Also enter on Line 2,Recapitulation) $ 52,821.84 2w4696 2.000 If more space is needed,insert additional sheets of the same size REV-1508 EX+(08-12) pennsylvania SCHEDULE DEPARTMENT OF REVENUE CASH, BANK DEPOSITS& MISC. INHERITANCE TAX RETURN RESIDENT DECEDENT PERSONAL PROPERTY ESTATE OF: FILE NUMBER: Freda M. Zeigler 21 131311 Include the proceeds of litigation and the date the proceeds were received by the estate. All property jointly owned with right of survivorship must be disclosed on Schedule F. ITEM VALUE AT DATE NUMBER DESCRIPTION OF DEATH I- AGIA Inc. 6.99 insurance premium refund due the decedent 2 Cash 1,602.51 found in decedent's home 3 Centric Bank 89,406.88 checking account #1516020 4 Centric Bank 14,426.93 checking account #1808690 5 Household goods 14,509.00 retained by family as follows: a. Freda M. Zeigler $3,701.00 b. Kathyrn Snyder $10,808.00 6 Integrity Bank 2,763.31 checking account #201005756 7 Integrity Bank 78,224.10 checking account 201052059 8 Jewelry 60.00 - mother's ring and sterling ring with blue stone, appraised value (see attached appraisal) 9 M&T Bank 3,375.37 checking account #446521 10 M&T Bank 59,934.82 savings account #15004200019493 11 Myers-Buhrig Funeral Home 100.00 refund due the decedent 12 Orrstown Bank 27,602.65 checking account #111000675 13 Orrstown Bank 47,594.03 certificate of deposit #4000025260 14 Proceeds from sale of household goods 20,906.00 sold at public auction Total from continuation schedules . . . . . . . . . 1,712.10 TOTAL(Also enter on line 5,Recapitulation) $ 362,224.69 2W46AD 2.000 If more space is needed,use additional sheets of paper of the same size, Estate of: Freda M. Zeigler 21 13 1311 Schedule E (Page 2) Item Value at Date No. Description of Death i5 U.S. Treasury 1,712.10 2013 income tax refund due the decedent Total (Carry forward to main schedule) 1,712.10 REV-1511 EX.(10.09) pennsylvania SCHEDULE H DEPARTMENT OF REVENUE FUNERAL EXPENSES AND INHERITANCE TAX RETURN ADMINISTRATIVE COSTS RESIDENT DECEDENT ESTATE OF FILE NUMBER Freda M. Zeigler 21 13 1311 Decedent's debts must be reported on Schedule I. ITEM NUMBER DESCRIPTION AMOUNT A. FUNERAL.EXPENSES: 1. Myers-Buhrig Funeral Home funeral services 14,408.00 B. ADMINISTRATIVE COSTS: 1. Personal Representative Commissions: 19,900.00 Name(s)of Personal Representative(s)Freda M. Zeigler Street Address 248 North Locust Point Road City Mechanicsburg State PA zip 17050 Year(s)Commission Paid: 2. Attorney Fees: Snelbaker & Brenneman, P.C. (Estimated) 2,300.00 3. Family Exemption: (If decedent's address is not the same as claimant's,attach explanation.) 3,500.00 Claimant Freda M. Zeigler Street Address 248 North Locust Point Road City Mechanicsburg State PA zip 17050 Relationship of Claimant to Decedent DAUGHTER 4. Probate Fees: 508.50 5. Accountant Fees: 50.00 6. Tax Return Preparer Fees: 7. 1 Culligan water treatment service 37.10 2 Cumberland Law Journal advertising Executrix Notice 75.00 Total from continuation schedules . . . . . . . . . 22,840.29 TOTAL(Also enter on Line 9,Recapitulation) $ 63,618.89 9W46AG 2.000 If more space is needed, use additional sheets of paper of the same size. Estate of: Freda M. Zeigler 21 13 1311 Schedule H Part 7 (Page 2) 3 Duty's Lock Service repair jammed door lock 65.00 4 Frank Wiser lawn services (snow removal & mowing) 200.00 5 Leffler Energy heating oil 1,366.55 6 Penn Waste trash service 114.42 7 PPL Electric electric service 646.82 8 Register of Wills short certificates 20.00 9 Rowe's Auction Service commission, appraisal fees & other miscellaneous fees associated with the sale of household goods 8,592.10 10 S.W. Barrett Real Estate & Appraisal Services appraisal fee 375.00 11 Scott Royer auto repairs & inspection 174.24 12 Silver Spring Township Authority sewer service 453.00 13 Snelbaker & Brenneman, P.C. attorney services from 12/10/13 to 2/19/15 9,518.25 14 The Sentinel advertising Executrix Notice 233.02 15 Wrightstone Electric electrical repairs to basement lights 81.89 16 Reserve for filing fees, accountant fees and other miscellaneous costs associated with the administration of the Decedent's estate 1,000.00 Total (Carry forward to main schedule) 22,840.29 REV-1512 EX.(12-12) SCHEDULE pennsylvania DEPARTMENT OF REVENUE DEBTS OF DECEDENT, INHERITANCE TAX RETURN MORTGAGE LIABILITIES & LIENS RESIDENT DECEDENT ESTATE OF FILE NUMBER Freda M. Zeigler 21 13 1311 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•, Chapel Pointe at Carlisle nursing home care 1,770.00 2 Culligan water treatment service 37.10 3 Leffler Energy heating oil 533.52 4 Millennium Pharmacy Systems, Inc medical expenses 150.48 5 Penn Waste trash service 38.14 6 PPL Electric electric service 45.72 7 Silver Spring Township Authority sewer service 151.00 8 United States Treasury 2013 estimated income tax payment 800.00 TOTAL(Also enter on Line 10,Recapitulation) $ 3,525. 96 2w46AH 2.000 If more space is needed,insert additional sheets of the same size. REV-1513 EX+(01-10) SCHEDULE J pennsyivania DEPARTMENT OF REVENUE BENEFICIARIES INHERITANCE TAX RETURN RESIDENT DECEDENT ESTATE OF: FILE NUMBER: Freda M. Zeicrler 21 131311 RELATIONSHIP TO DECEDENT AMOUNT OR SHARE NUMBER NAME AND ADDRESS OF PERSON(S)RECEIVING PROPERTY Do Not List Trustee(s) OF ESTATE 1 TAXABLE DISTRIBUTIONS[Include outright spousal distributions and transfers under_ Sec.9116(a)(1.2).J 1. Kathryn C. Snyder 7330 Wertzville Road Carlisle, PA 17015 50% of Residue: 248,450.84 Daughter 248,450.84 2 Freda M. Zeigler 248 North Locust Point Road Mechanicsburg, PA 17050 50% of Residue: 248,450.84 Daughter 248,450.84 ENTER DOLLAR AMOUNTS FOR DISTRIBUTIONS SHOWN ABOVE ON LINES 15 THROUGH 18 OF REV-1560 COVER SHEET,AS APPROPRIATE. [[ NON-TAXABLE DISTRIBUTIONS A.SPOUSAL DISTRIBUTIONS UNDER SECTION 9113 FOR WHICH AN ELECTION TO TAX IS NOT TAKEN: 1. B.CHARITABLE AND GOVERNMENTAL DISTRIBUTIONS: 1. TOTAL OF PART II-ENTER TOTAL NON-TAXABLE DISTRIBUTIONS ON LINE 13 OF REV-1500 COVER SHEET. $ 0.00 9W46Ai 2.000 If more space is needed,use additional sheets of paper of the same size. S.W.Barrett Real Estate&Appraisal Services File No.14-0004 APPRAISAL OF ��}[ M Wer 7. V �.�io�w..v�.iw.�.i1" � ,ii_t '�•biW.t�r+:ti �4` ...•fir - �i ei.„�+�ti•++ ht+" .<f�'� 'j"ai m� y'b."�w.''"•77.yk;<�-:.'k'TY't„• t " "..',"".-: i-, .'rt• .Y;r:3*r r'F.,, .{,'r ""-,..:,„„"w' `^"”"-.K„ 'w•"�'%"Z;;Fe ;"1?y„"'�' ty,r•n."S;;. x 4t:..,;,.t r" !•.l ri.c _a�_ �.F t-«t t X�5 i_ LOCATED AT: 248 North Locust Point Road Mechanicsburg,PA 17050-2663 CLIENT: Sneibaker&Brenneman, P.C. 44 West Main Street Mechanicsburg,PA 17055 AS OF: December 7,2013 BY: Cassandra J.Crockett PA Certified Residential Real Estate Appraiser S.W.Barrett Real Estate&Appraisal Services File No.14-0004 02/14/2014 Snelbaker&Brenneman,P.C. 44 West Main Street Mechanicsburg,PA 17055 File Number: 14-0004 In accordance with your request, I have appraised the real property at: 248 North Locust Point Road Mechanicsburg,PA 17050-2663 The purpose of this appraisal is to develop an opinion of the defined value of the subject property,as improved. The property rights appraised are the fee simple interest in the site and improvements. In my opinion, the defined value of the property as of December 7,2013 is: $149,000 One Hundred Forty-Nine Thousand Dollars The attached report contains the description, analysis and supportive data for the conclusions, final opinion of value, descriptive photographs, assignment conditions and appropriate certifications. Respectfully submitted, Cassandra J.Crockett PA Certified Residential Real Estate Appraiser Residential Appraisal Report File No. 14-0004 The purpose of this appraisal report is to provide the client with a credible opinion of the defined value of the subject prope rty,given the intended use of the appraisal. Client Name/Intended User Snelbaker&Brenneman P.C. E-mail ClienlAddress 44 West Main Street Ci MechanicsburgState PA zip17055 Additional Intended users The intended user of this report is the Client.No additional Intended Users are permitted without the ermission of theappraiser[s]. Intended use The Intended Use is to evaluate the property that is the subject of this appraisal to provide the Client with an accurate and adequately supported opinion of value. P roperty Address 248 North Locust Point Road Ci Mechanicsburgstate PA Zi 17050-2663 of Public RecordZei ler,Dale E&Freda M CountyCumberland Descri tion Deed Book 13-K' Pa a 199 sor's Parcel# 38-20-1823-005 Tax Year 2012 R.E.Taxes$1929.00 borhood Name Silver S rin TW Ma Reference 20-1823 CensusTract 0118.02 r Rights Appraised X Fee Sim le Leasehold Other describe Isearch did X did not reveal an rior sales or transfers of the subject uo er for the three ears rior to the effective date of this appraisal. Salefrransfer: Date 10/16/1946 Price$1 Sources Deed rovided. sis of prior sale or transfer history of the subject property(and comparable sales,if applicable) No recent recorded transfers were found. ngs,options and contracts as of the effective date of the appraisal None known Neighborhood Characteristics One-Unit Housing Trends One-Unit Housing Present Land Use% Location Urban X Suburban I IRural Property Values Increasin X Stable )Declining PRICE AGE One-Unit 68% Built-Up X Over 75% 25-75% Under 25% Demand/Su Shorta e X In Balance Over Su I $000 rs 2-4 Unit 2% Growth Ra id X Stobie Slow Marketin Time Under 3 mths X 3-6 mths I 1r)'A-ths 45 Low 0 Multi-Family0% Neighborhood Boundaries Subject is bounded on the north by Carlisle Pike'on the east by 250 Hi h 100 Commercial 10% Hempt Road;on the south by Pa.Turn ike;and on the west by Appalachian Drive. 150 Pred. 50 Other Vc/Ind 20% Neighborhood Description Subject property is located in an expanding area of single family homes both detached and attached, adjacent to the village of New Kingston,with a mix of residential and commercial/industrial usage.Shoppinq and other amenities are within a short driving distance.Schools stem is Cumberland Valley District and students are bused. Market Conditions(including support for the above conclusions) Property values are currently stable in the subject property's market area.Local multi-list data indicates an average marketing time of 90-180 days.Lending rates have remained favorable,although sales concessions are occurring more frequently.There are new homes under construction in surrounding developments,as well as re-sales available in the neighborhood. Dimensions 75 x 282.7 Area 21202 Sq.Ft. Sha a Rectangular view Resid/Commercial S wL,Llmn Classification R1 ZoningDescription Residential Zonin Com liance X Legal Legal Nonconformin Grandfathered Use No Zonin Illegal describe Is the highest and best use of the subject property as improved(or as proposed per plans and specifications)the present use? X Yes LJNo If No,describe. Utilities Public Other describe Public Other describe Off-site lm Provements—Type Public Private Electricity X 100 am Water X Well Street Asphalt X Gas I I J None Sanitary Sewer X Alley None Ll Ll Site comments There are no apparent adverse easements encroachments or other adverse conditions. GENERAL DESCRIPTION FOUNDATION EXTERIOR DESCRIPTION materials INTERIOR materials Units X One Onew/Acc.unit Ll lConcieteSlab I Crawls ace Foundation Walls Block/Avg Floors Car t/Vin I/Av #of Stories Two X Full Basement Partial Basement Exterior Walls Brick/Vin I/Av Walls Plaster/Avg Type X Det. Art. I IS-Det./End Unit Basement Area 550 sq.ft. Roof Surface Shin le/Av Trim/Finish Wood/Avg X Existin Pro osed I Junderconst. Basement Finish 0% Gutters&Downspouts Aluminum/Avg Bath Floor Vinyl/Avg Design(Style)Traditional I J Outside Entry/Exit [XISumpPunip Window Type DbIHn /A-G Bath Wainscot Plstr/Tile/Av Year Built 1949 Storm Sash/Insulated Insulated/A-G Car Storage None Effective Age Yrs 18-20 Screens Yes/A-G X J Driveway #of Cars 2 Attic None Heatinq X FWA HW Radiant Amenities WoodStove s#0 Driveway Surface COnc/AS halt Dro staff I I Istairs ]Other I Fuel Oil Fire lace 5#0 Fence None X Garage #of Cars 1 X Floor X Scuttle cooling X I Central Air Conditioning X Patio/Deck Patio [X]Porch Enclsd Car ort 9 o Cars 0 Finished Healed I Individual Other Pool None Other None Fx_J Alt. Der. IBuilt-ir Appliances URefrigefator X Ran a/Oven I Dishwasher Disposal Microwave I Jwasher/Dryer L 10ther describe Finished area above grade contains: 6 Rooms 3 Bedrooms 1 Baths 1,365 square Feet of Gross Living Area Above Grade Additional Features Hardwood floors on 2nd floor- replacement windows previously installed;tile in bath;enclosed porch,concrete patio;detached 1 car block/frame garage 20 x 221 with attached block storage shed 14 X 201 in average condition. Commenrsonthe improvements Improvements are in average condition with no physical or functional inadequacies apparent.Not recent) up-dated. Residential Appraisal Report File No. 14-0004 FEATURE SUBJECT COMPARABLE SALE N0.1 COMPARABLE SALE NO.2 amilesE E SALE NO.3 24$North Locust Point Road 1054 West Trindle Road 50 North Middlesex Road Road Address Mechanicsbur Pa 17050 Mechanicsburg,Pa 17055 Carlisle Pa 17015 Mechanicsburg,Pa 17050 Proximl tosuNeet 2.27 miles SE 3.53 miles W ate Price s s 149 900 s 160000s 153 000ate PricelGtoss Liv.Area $ 0.00 .fi. S80A7 .h. S 95.24 •ft. Dala Sources I Multi-list Multi-list Multi-list verification Sources I Courthouse Records Courthouse Records Courthouse Records VALUE ADJUSTMENTS DESCRIPTION DESCRIPTION +(.)1A N.M DESCRIPTION .•s men DESCRIPTION +•sAnStnCrl Sale or Financing ClsgCsts/Conv None,Cash ClsgCsts/FHA Concessions $4497/DOM 72 0 DOM 91 $7900/DDM 8 3.100 Date of saierrime 9/2013 212013 412013 Location Suburban/Av Suburban/Av Suburban/Av Suburban/Av LeaseholdlFeesim le Fee Sim le Fee Simple Fee Sim le Fee Sim le Site 21202 sf 17424 sf 0 17860 sf 0 26136 sf 0 view Resid/Comm. Resid/Comm. Resid/Comm. Resid/Comm. Desi n s e Traditional Traditional Traditional Traditional uali of Construction Avera a Average Avera a Avera e Aclual A e 65 Yrs 72 Yrs 100+/-/5 Yrs 100 Yrs+/- : Condition Avera a Av IGeod 5°/p -7495 Good 10% 16 000 Avera e Above Grade Tam amens earns ratai IIA M51 sans Tam a&- Bala T" saes BmhS ` Room Count 6 3 1 7 4 1.1 -2000 8 3 1 0 6 3 1.1 -2 000 Gross Living Area 30.00 1,365 sq.h. 1 $72 s.h. -15 210 1,680 sq.h. -9450 _1,2188 s.h. 2 310 Basement&Finished Full Bsmt/ Full Bsmt/ Full Bsmt/ Fu It Bsmtt ` Rooms Below Grade Unfinished Unfinished Unfinished Unfinished Functional utility Avera a Avera a Average Avera e Heatin rCootin OFHAICA GFHAlNane ==2,000 CtFHA1CA OHW1None 2 000 Ener Efficienutems T DiCal IT icai I at T icai Gars e/Car orf 1 Car Garage 1 Car Gara a OSP 6 000 2 Car Gara e 6 000 Potch/Patio/Deck Encisd.Porcht Entry/Patio/FP 1 000 PorchlPatio 1 000 Porches 1 000 Patio Det.Gar/Shed None 7 500 Nane 7 500 None 7 S00 Net Adjustment(Total) + X - S 14 205 + X - S 10 950 �1%6 , 1,710 Adjusted Sale Price Net Adj. -9.5% Net Adj. -6.8% N of Com rable$ ' Gross A . 23.5% s 135695 Gross A . 25.0% $ 149050 G Summary of safes Com arison Approach All comparabies are similar in utility and location to the subject property,are verified closed sales and are the best currently available.Limited sales of homes in subject's value range have recently occurred requiring an expanded search.Closing costs are deducted for the amount they inflated the sellin2 price above the listed price.Sale#1 had some recent up-dating completed;safe#2 had been remodeled prior to sale. Adjusted ran a of value is$1.35,000 to$155,000,say$149,00 COST APPROACH TO VALUE Site value Comments Site value from current assessment data and recent local land sales. ESTIMATED I JREPDUCTIONOR EJ REPLACEMENT COST NEW OPINION OF SITE VALUE........................................=s 45,000 Source of cost data Dwelling Sq.Ft. $ .... •• =$ Quality rating from cost service Effective date of cost data S .Ft.a s ...........=$ Comments on Cost Approach(gross livor area calculations,depreciation,etc. Cost Approach from Marshall/Swift Valuation Service Gara e/Car ort Sq.Ft.9$ .......•••=$ handbook and local cost anal sis was considered but Total Estimate of Cost-New •••••••••••=$ deemed not credible due to thea a of the improvements. Less Ph icai Functional External Site value from Market Data.Depreciation based on age/life. Depreciation =$( observed condition and Market Data Analysis.Estimated Depreciated Cost of.Imrovements................................=s remaining Economic Life is 35-40 years. 'As•is"Value of Site improvements....... ........................=s INDICATED VALUE BY COST APPROACH...................... =s t INCOME APPROACH TO VALUE Estimated Month) Market Rent$ 0.00 X Gross Rent multiplier 0.00 =s 0 Indicated Value b income Approach Summary of Income Approach(including support for market rent and GRM) NIA indicated Vatueb : Sates Com artson AppmaCh 1149 000 Cost Approach if developed)5 0 income A roach it deveto ed S 0 _Market Analysis consistently supports my opinion of market value GRM and Cost Analysis were found inappropriate for this analysis. Su2porting file information substantiates these estimates. This appraisal is(trade X "as is" subject to completion per plans and specifications on the basis of a hypothetical condition that the improvements have been completed, Q subject to the following repairs or alterations on the basis of a hypothetical condition that the repairs or alterations have been completed D subject to the following: ` Appraisal is for client oni nontransferable. Based on the scope of work,assumptions,limiting conditions and appraiser's certification,my(our)opinion of the defined value of file real property Residential Appraisal Report File No. 14-0004 Scope of Work,Assumptions and Limiting Conditions Scope of work is defined in the Uniform Standards of Professional Appraisal Practice as"the type and extent of research and analyses in an assignment."In short,scope of work is simply what the appraiser did and did not do during the course of the assignment.It includes,but is not limited to:the extent to which the property is identified and inspected,the type and extent of data researched,the type and extent of analyses applied to arrive at opinions or conclusions. The scope of this appraisal and ensuing discussion in this report are specific to the needs of the client,other identified intended users and to the intended use of the report.This report was prepared for the sole and exclusive use of the client and other identified intended users for the identified intended use and its use by any other parties is prohibited.The appraiser is not responsible for unauthorized use of the report. The appraiser's certification appearing in this appraisal report is subject to the following conditions and to such other specific conditions as are set forth by the appraiser in the report.All extraordinary assumptions and hypothetical conditions are stated in the report and Wright have affected the assignment results. 1.The appraiser assumes no responsibility for matters of a legal nature affecting the property appraised or title thereto,nor does the appraiser render any opinion as to the title,which is assumed to be good and marketable.The property is appraised as though under responsible ownership. 2.Any sketch in this report may show approximate dimensions and is included only to assist the reader in visualizing the property.The appraiser has made no survey of the property. 3.The appraiser is not required to give testimony or appear in court because of having made the appraisal with reference to the property in question,unless arrangements have been previously made thereto. 4.Neither all,nor any part of the content of this report,copy or other media thereof(including conclusions as to the property value,the identity of the appraiser,professional designations, or the firm with which the appraiser is connected),shall be used for any purposes by anyone but the client and other intended users as identified in this report,nor shall it be conveyed by anyone to the public through advertising,public relations,news,sales,or other media,without the written consent of the appraiser. 5.The appraiser will not disclose the contents of this appraisal report unless required by applicable law or as specified in the Uniform Standards of Professional Appraisal Practice. 6.Information,estimates,and opinions furnished to the appraiser,and contained in the report,were obtained from sources considered reliable and believed to be true and correct. However,no responsibility for accuracy of such items furnished to the appraiser is assumed by the appraiser. 7.The appraiser assumes that there are no hidden or unapparent conditions of the property,subsoil,or structures,which would render it more or less valuable.The appraiser assumes no responsibility for such conditions,or for engineering or testing,which might be required to discover such factors.This appraisal is not an environmental assessment of the property and should not be considered as such. 8.The appraiser specializes in the valuation of real property and is not a home inspector,building contractor,structural engineer,or similar expert,unless otherwise noted.The appraiser did not conduct the intensive type of field observations of the kind intended to seek and discover property defects.The viewing of the property and any improvements is for purposes of developing an opinion of the defined value of the property,given the intended use of this assignment.Statements regarding condition are based on surface observations only.The appraiser claims no special expertise regarding issues including,but not limited to:foundation settlement,basement moisture problems,wood destroying(or other)insects,pest infestation, radon gas,lead based paint,mold or environmental issues.Unless otherwise indicated,mechanical systems were not activated or tested. This appraisal report should not be used to disclose the condition of the property as it relates to the presence/absence of defects.The client is invited and encouraged to employ qualified experts to inspect and address areas of concern.If negative conditions are discovered,the opinion of value may be affected. Unless otherwise noted,the appraiser assumes the components that constitute the subject property improvements)are fundamentally sound and in working order. Any viewing of the property by the appraiser was limited to readily observable areas.Unless otherwise noted,attics any crawl space areas were not accessed.The appraiser did not move furniture,floor coverings or other items that may restrict the viewing of the property. 9.Appraisals involving hypothetical conditions related to completion of new construction,repairs or alteration are based on the assumption that such completion,alteration or repairs will be competently performed. 10.Unless the intended use of this appraisal specifically includes issues of property insurance coverage,this appraisal should not be used for such purposes.Reproduction or Replacement cost figures used in the cost approach are for valuation purposes only,given the intended use of file assignment.The Definition of Value used in this assignment is unlikely to be consistent with the definition of Insurable Value for property insurance coverage/use. 11.The Act General Purpose Appraisal Report(GPART")is not intended for use in transactions that require a Fannie Mae 10041Freddie Mac 70 form, also known as the Uniform Residential Appraisal Report(URAR). Additional Comments Related To Scope Of Work,Assumptions and Limiting Conditions Residential Appraisal Report File No. 14-0004 Appraiser's Certification The appraiser(s)certifies that,to the best of the appraiser's knowledge and belief: 1.The statements of fact contained in this report are true and correct. 2.The reported analyses,opinions,and conclusions are limited only by the reported assumptions and limiting conditions and are the appraiser's personal,impartial,and unbiased professional analyses,opinions,and conclusions. 3.Unless otherwise stated,the appraiser has no present or prospective interest in the properly that is the subject of this report and has no personal interest with respect to the parties involved. 4.The appraiser has no bias with respect to the property that is the subject of this report or to the parties involved with this assignment. 5.The appraiser's engagement in this assignment was not contingent upon developing or reporting predetermined results. 6.The appraiser's compensation for completing this assignment is not contingent upon the development or reporting of a predetermined value or direction in value that favors the cause of the client,the amount of the value opinion,the attainment of a stipulated result,or the occurrence of a subsequent event directly related to the intended use of this appraisal. 7.The appraiser's analyses,opinions,and conclusions were developed,and this report has been prepared,in conformity with the Uniform Standards of Professional Appraisal Practice, 8.Unless otherwise noted,the appraiser has made a personal inspection of the property that is the subject of this report. 9.Unless noted below,no one provided significant real property appraisal assistance to the appraiser signing this certification.Significant real property appraisal assistance provided by: Additional Certifications: Definition of Value: XO Market Value EJ Other Value: Source of Definition:USPAP The most probable price in terms of money which a property should bring in a competitive and open market under all conditions requisite to a fair sale,the buyer and seller,each acting prudently,knowledgeably and assuming the price is not affected by undue stimulus. ADDRESS OF THE PROPERTY APPRAISED: 248 North Locust Point Road Mechanicsburg PA 17050-2663 EFFECTIVE DATE OF THE APPRAISAL: DOD 12/7/2013 APPRAISED VALUE OF THE SUBJECT PROPERTY s149,000 APPRAISER SUPERVISORY APPRAISER ' Signature: � C�i� ? � Signature: Name: Cassandra J.Crockett iV Name: Steven W.Barrett,SRPA,SRA,ASA State Certification# RLOO1348L State Certification# GA000298L or License# or License# or Other(describe): Slate#: State: PA State: PA Expiration Date of Certification or License: 06/30/2015 Expiration Date of Certification or License: 06/30/2015 Date of Signature: 02/12/2014 Date of Signature and Report: 02112/2014 Date of ProperryViewing: 01/31/2014 Date of Properly Viewing: 01/31/2014 Degree ofpropertyviewing: ^ r--� nonroa of nrnncrN viowinn 1 Y Inrcrinr and Fvforinr I P—inr r)nl,, Inirl not nercnn�lh,"io USPAP ADDENDUM File No. 14-0004 Borrower. Freda M ZEIGLER Estate Property Address:248 North Locust Point Road City: Mechanicsburg County: Cumberland State: PA Zip Code: 17050-2663 Lender; Snelbaker&Brenneman P.C. Reasonable Exposure Time My opinion of a reasonable exposure time for the subject property at the market value stated in this report is:80-180 Additional Certifications ®I have performed NO services,as an appraiser or in any other capacity,regarding the property that is the subject of this report within the three-year period immediately preceding acceptance of this assignment. I HAVE performed services,as an appraiser or in another capacity,regarding the property that is the subject of this report within the three-year period immediately preceding acceptance of this assignment.Those services are described in the comments below. Additional Comments APPRAISER: SUPERVISSO•R'Y"APPPRAIS(ER_(only ifrequired): Signature: L. (� ?,r{ �! , � 4 Signature; Name: Cassandra J.Crockett / Name: Steven W.Barrett SRPA SRA ASA Date Signed: 02112/2014 Date Signed: 02/12/2014 State Certification#: RL001348L State Certification#: GA000298L or State License#: or State License#: or Other(describe): State#: State: PA State: PA Expiration Date of Certification or License: 06130/2015 Fxniratinn r)atp of r.prtifiratinn nr l irpncp, 06/30/2015 Simervisnry Annraiser inCnprtinn of Snhiact Pronpnv; FLOORPLAN SKETCH Client' Snelbaker&Brenneman RC. File No.: 14-0004 Property Atldress:248 North Locust Point Road Case No.: City;Mechanicsburg State: PA Zip:17050-2663 13' 12'���� 1�LU�JT1(L(}rL�{��I 11' GSL 9akh ll Bedroom Bedroom T�GSL�_ _ Bedroom W.f. 25 °'� wn�h X F X13' ^a < o 2nd Floor \ ll 12' Kitchen Garage Luting Room _ 41 �9 Roo .ry 12' 23' Skemn Dy Apex MMInP" Comments: AREA CALCULATIONS SUMMARY LIVING AREA BREAKDOWN Code Description Net Size Net Totals Breakdown Subtotals GLAl First Floor 584.0 584.0 First Floor GLA2 second Floor 776.0 776.0 3.0 x 13.0 39.0 GAR Garage 231.0 231.0 22.0 x 25.0 550.0 P/P Enclosed Porch 154.0 Second Floor Patio 161.0 315.0 25.0 x 4.0 100.0 3.0 x 13.0 39.0 1.0 x 25.0 25.0 17.0 x 36.0 612.0 Net LIVABLE Area (rounded) 1365 6 Items (rounded) 1365 SUBJECT PROPERTY PHOTO ADDENDUM Client: Snelbaker&Brenneman P.C. File No.: 14-0004 Property Address:248 North Locust Point Road Case No• CI :Mechanicsbur State: PA Zi :17050-2663 FRONT VIEW OF SUBJECT PROPERTY «. 4 Appraised Date:December 7,2013 ,r ' t t r Appraised Value:$149,000 6Q REAR VIEW OF t-'gyp SUBJECT PROPERTY �ifZiit Y If�,t t i,y �'•M�•�r.,, ,rY�t' t ra kt3 C �„ I a� :• �� Na. STREET SCENE Air" x°Yj Rr y �y .At a .'i5. dTtsl. } uf► 24 i�^>� {«i C```w�«y�',.� rvirt''daaF;'�rti �Y.'trL Y� �y �•§,�,.r .;f - , Y t� �'�"',{`�4�§,�3$��}��r•t"v'f x s..., r'3` •+y+ -f'h,.t -t � ,^'� s Client: Snelbaker&Brenneman P.C. File No.: 14-0004 Property Address:248 North Locust Point Road Case NO Cit Mechanicsburg State:PA Zip:17050-2663 ro Z 11 FI <, t Detached garage a �r I.ryryq Cd M.PA '',• ? " $`yc � sx•e¢'cgiiA,>starwe;� ,a `�.h`-.��?�k'�f- r� r. . �, p t t F•.� �� e. ' Ip I , Z'Z�,�,{,A Client: Snelbaker&Brenneman P.C. File No.: 14-0004 Property Address:248 North Locust Point Road Case No.: City:Mechanicsburg State: PA Zip:17050-2663 i i �i right '� •., .. 4 , 'tip Y .. left � I '• fr'Y JL 5 �«9 list opposite street view --"': �'• � r .� ".fir.`ww:,r^•�!�"+ "�":R.a,'��� 4 l 5 I'.��.}"`0�9' ^fr143� ;.J N d7-��.!'��.j*.!,_..r .,...-�• .._-Y.'+ir'. COMPARABLE PROPERTY PHOTO ADDENDUM Client: Sneibaker&Brenneman P.C. File NO.: 14-0004 Property Address:248 North Locust Pointj Road Case No.: CitY:Mechanicsbur State: PA" Zip: 17050-2663 41... ^a" •1` 7..'JnrY COMPARABLE SALE#1 •r�,.J• '. ��,rt+'Gr•�.^"Y, �L 5 it��K !'T; �,Jr�"'�, l�1��4 �,y{v' r� . 1054 West Trindle Road Mechanicsburg,Pa 17055 5 Sale Date:9/2013 Sale Price:$149,900 Lr- t � rrr fi. j g °a� COMPARABLE SALE#2 1 l. 50 North Middlesex Road l }fr Y �f Carlisle,Pa 17015 Sale Date: Sale Price:$$160 160,,000 Yt ,eM"•-•e i�^'•::".:.- 3'r`gY'XRM"; !S.nW'y�4—)%�� - + tj e 3 J �!�.,�a�;�11111i�11lliiic � t,•� �������llilillll11111i� G ,��/t,-rW".•GY � ,.? -f f:, wry I -.f y_ '� ' a 1 .`""� r YR -.1 .'f�f.�iil�s✓�'"'t �+'r�ti;�'N M,r.:�`�:'4kc.r:.: tr��:i �`� `•, J, f is' COMPARABLE SALE#3 111 Ho estown Road Mechanicsburg,Pa 17050 �. r � !.+ Sale Date:412013 'i' 4I I ,. a Jr ,i Sale Price:$153,000 � fr � r _r � ,� +>- ttd'I71��.,F j a..•..J �.! { j��"'j�a. }-t`�'� - ` T :M-t .y tl�.ytrnT�_.c-+�?{'Y#F3F �4 +Y '"�.�,,., a-•_. � �k.�'r• F•;�'"r''• to.:Ys��� -���'�,�,.f�.�'-�»�`'"`�„ ".-w ;e?;� ..:...�:.+r:`:..a..a:J, :�,... :t:��.s.�.�_=i'4a.S;Etr•�P�.'ad..3a�.,.`Zro?*'�"._,�''., : - ..�; N 9�a r nM '* i�ri�sli4ti,rq • x q _ I' 7 tyar' r 'tt'a att eU'yf, rt} 1a :'`�C ,. 6AP4',Z f ,.y, am t+ }'t' +`�.pi r� xi "�;'" , p, T, 'T-, u�'S rAE k;,r�' ry .. a-r�1e• L � t ��.'..?Ar'Ywp -r.r, ''� i l � c x � Se Kr Fv �ycSt;;sP kfy _Ono t ugh• DAN 4' fat Ry loop ' Y ; ��fX' C J t 7'1'L a 4'y�"9p,P.'`i , s�i�,..•F 'fir^.,a 4 ry YHo t a sir„ r Y fi,i ARK, . rr *rJnCz' R�-tak•�,yy�,s,u'Fq,. s.Q_,F "r et� 1 "a`�Y .t:t .�Xysi �x ��iyZ'�'�' 1''�Hk •J'Y C �1 y� P f Y M �`� ..�'F� {mak1-'+ a • !+z�', }`, 'ri4r,e�y�,#rdt�s %j'� '}ftp{ ,� t t + ��`�i-�� - y ��a�p'.�"" �. `���tm .*i,�...•''_ �'a�� «{''Y.1``7ax'�+"w5nt g,.d 11—e/ ' .t' x � Yo-,Az. .i.�` ?.�'ik!.�✓. v,���'b"`�'vv,fi+' .r t 3 tYj�,k` Ic ' �.qt- ♦ 1 � sv..f r7.d"-war d�� c+'Ay t"v^ c4 a1, ' rr '>,r9'' {� a�-+ �s�� M« r .-(. n t�S lt�f �hl• �ttr c 'wt^C"ryNT'1a'� k 3.I. y� ra�ata i i, Y �( .x +aa�l wrt•t�+ �i ��;n• ^k �,. t t -�`�� {M� , 2��n lyr�d�.`x'gu�#� <t-d£�� w'• '� t �d'�S�-+v,t,z F i s��w,"d:x+`t;'q}.�,w�.c?�'Sr„t'•,k s~�µ2+^�@!�d,� .• r�F i•� �e at.a:kt�'t+"�f d$vz��i4 r t^hw` tn kt N �n.f.. 7 x Cl- �t r~ *'gya t '' �+f �t'��° �' M1 .t "`t'`�'.rn d y,f� d• sxt`; `yu ({,,,.'a,`�yr 5 0, '�f y. ' ti t y 5L �aI �` .n•r $$�'yNYC �"' � ���zi���}�"*!F��1iQt• �i`z a k c���''���ix�f�'^k it;t r'r".,y��f �k�'4' Sy xl,�.i��+.��q in�.-",I � r n b� �� a ,rsr: �' >K,.x t'�• � 'r�is �'r �'�'3,�x t zs4 9 t � N.1�, \,111 111 t�� � ', i.► 'C5 xe�,"�rxY, �'-t ,4a-`a e ��'a i r �'�� G x!§ 'zt'1"�'tti R.�i't< i� aJ 1iC kAtti�i..}-^ .v��j b�;^., `K}:-�tt,•�r' ai„a�Ry�'k� b� .r�. - V.� (� ��'v`�� ���ux d�T Y x�•,. t e ki�,#;A� t ��Y"jy,xy{�y�,i7Y�3�rp dx" ,���3""'S-'"' _ (''� i" d'�tC� �r r t�; t t. '��" t trL •i�t �" ��t yQ-'ni�'�F�..��-= � tY,.'�fz�+p�rAi+tCji,dt"'",�a's'��.�SxJi'"�}YW �<t�.?�&_�'xt,�rn.�xitax,:.<..•a , ' \✓ "� d",;xzx'��aCx'�a tia�.`�'yta r�." sa�`si .r_+. ' LOCATION MAP Client: Snelbaker&Brenneman,P.C, File No.: 14-0004 Property Address:248 North Locust Point Road Case No.: City: Mechanicsburg State: PA Zip:17050-2663 p !.. 4 o Rrl tat' ?d t_r.�c s dd :.i:ey Rei L,50; '{N:Sl[JY1C 5herntans Dalc ' 3.1.I VaF,_•y R4 4n 144 4: � llantwden ,�r 3 - r�;$r.t Town,bill - g_ Comparable Sale 2. 1-1,50 N Middlesex Rd Carlisle,PA 17013 F: (3,53 miles N+) Subjecttil L'SIC; Comparable Sale 3 1 Schlosser 248 N Locust Point Rd 111 Hogestown Rd Mechanicsburg,PA 17050 Mechanicsburg,PA 17050 N iddlesex (3,04 miles E) K)- till L pevags �. IV/ ,/'' s. Nityltanin Tpke 1 at ne Shilelrta Mechanicsburg S Artr Carlisle ' 7rr?Cfle,R,+ f1i(U1yt:.aV11 ,1Tflnd?a Nd •is,,r.�� ci r• �i , Comparable Sate 1 F 1054 W Trindle Rd ; + za Silver Spring Township,PA 17055 (2.27 miles SE) - BGraitati%dat,_ 3^...I h Boiling �• - Coyle Strings LeiJiyghs72� Sid lunsbury .Y. vara Ur .... �4b G 0'C41 4 fi Tovinship r Mount Holly o Springs L +, 4 Dillsuurg 94 i ua:u ' k . Gt y )r&Brenneman,RC. File No.: 14-0004 Property Address:248 North Locust Point Road Case No.: City:Mechanicsburg State: PA Zip:17050-2663 E Subject 248 North Locust Point Road Mechanicsburg, PA 17050-2663 X Flood Information FloodMap Legend 42037+J-SIU�.,'ER rPFIUNG,TDIP,NSHIP OF F!ocd Zoncn Prc'pr�f1urrib�r 42011 f,y is m it a FENIA q-jodnl flo.3,d haza,d aroo. A�eas,nunn';ed ty 5��year flooding 'lar,r-gre.1 r3252E FTI:42041 Azeas *..s:n of re too-and 1,00-tear f'ndF�a ns zonw X ft%,1=!!C-d';y Pit,a 2 rmw_ L,7 Ir 'd a-, ir ii, r File No.14-0004 QUALIFICATIONS The following checked items are SPECIFIC SPECIAL CONDITIONS that were identified by this appraiser during the inspection of the subject property,the comparables sales,and their neighborhoods and locations. Unless otherwise noted,the conditions that apply to the subject property or the comparable sales used DO NOT AFFECT THE MARKET VALUE OR THE FUTURE MARKETABILITY OF THE SUBJECT PROPERTY BEING APPRAISED. This is not a home inspection service. This is an appraisal to estimate market value. —1. The subject is located in a rural area and Is less than 25%built-up. _x_2. Commercial/Industrial uses are located within the subject's neighborhood. These uses are typical of similar neighborhoods. 3. Vacant and undeveloped land uses are located within the subject's neighborhood. These uses are typical for the area. __.4. The predominant value in the neighborhood is less than that of the market value of the subject property. This is due to the very wide range of value of properties in the area and superior quality of the subject property. —5. The subject property is located in a F.E.M.A.Identified Flood Zone. Flood insurance coverage is required and suggested. —6. Dampness is noted in the basement of the subject. Standing or running water was not present on basement floor. This condition is considered typical in dwellings of this style. ___�7. The subject property is serviced by private well and/or septic systems which is common for the area. .x_8. The subject is older than five(5)years. All mechanical systems including the heating,electrical and plumbing systems appear upon a visual exterior inspection to be in working order. No warranties are implied in this statement. ___9. Repair items were noted in the comments section of the report. These comments on repair items are for descriptive purposes only and are not required repairs. The items listed are cosmetic in nature. —10. The basement floor is a dirt floor. This condition is common and typical for the area.and does not pose a health or safety hazard. —11. The subject property does contain functional obsolescence as noted in the report. This condition is considered typical and common for the area and this style dwelling. —12. The land value exceeds 30%of total value due to the high demand for vacant land in this neighborhood. This condition is considered common and typical for the neighborhood. —13. The land value exceeds 30%of total value. This is due to the large size of the site. This condition is considered to be typical and common. –x-14. Individual adjustments were required that exceed 15%. These adjustments were required due to lack of more similar comparables on that individual rating. All comparables used are the best available. —x15. Total adjustments exceed 25%. This is due to the lack of comparable sales that were more similar in the subject's market area. All comparables used are the best available. –x-16. One or more comparable sales are older than six(6)months. Although there are comparable properties in the subject's area,none have sold recently; therefore,sales in excess of six(6)months have to be used. All comparables used are the best available. –x-17. One or more comparables used were in excess of one(1)mile from the subject property. Although there are comparable properties in the immediate area,none have sold recently. Therefore,it was necessary to use comparable sales outside of the immediate area. All comparables used are located in similar neighborhoods and within the same marketing area. All comparables used are the best available. —18. The electrical system was not connected during inspection. —19. The water service was not connected during inspection. —20. The heating system was shut down during inspection. —21. Roofing_Plumbin-q Electrical Heating_certification(s)is/are suggested. —22. Inground swimming pool_,out buildings are included ,not included according to lender's guidelines. —23. According to lender's guidelines a maximum of acres were considered for this valuation. Remaining File No.14-0004 *********QUALIFICATIONS********* —24. The subject property is located on a private road. _25. Wood infestation inspection is suggested. _x_26. Last recorded deed transfer: Date_10116/1946,,Consideration:$1.00 _27. Proposed construction/renovation in accordance to plans and specifications to be completed in a workman-like manner.. _28. Seller is paying part or all of closing costs. _x_29. All comparable sales are verified closed sales. _x_30. There are no special conditions or other requirements that would affect market value or future marketability in the Appraisal Report. _31.,AMC fee was required in order to accept this appraisal request. File No.14-0004 QUALIFICATIONS�* Confidentiality and Security Policy We consider privacy to be fundamental to our relationship with clients. We are committed to maintaining the confidentiality,integrity and security of clients'personal information. Internal policies have been developed to protect this confidentiality,while allowing client needs to be served. We restrict access to personal information to authorized individuals who need to know this information to comply with federal standards to protect your nonpublic personal information. We do not disclose this information about you or any former consumers or customers to anyone,except as permitted by law. The law permits us to share this information with our affiliates. The law also permits us to share this information with companies that perform marketing. When we share nonpublic information referred to above,the information is made available for limited purposes and under controlled circumstances. We require third parties to comply with our standards for security and confientiality. We do not permit use of consumer/customer information for any other purpose nor do we permit third parties to rent, sell,trade or otherwise release or disclose information to any other party. Education As of the date of this report,I and/or Steven W.Barrett,SRPA,SRA,ASA have completed the requirements under the continuing education program of the Appraisal Institute and the American Society of Appraisers. Calculated Value of Your raper Savings Bonds) Page l of 2 Calculated Vafue of Your Paper Savings Bond(s) Calculator Results for Redemption Date 12/2013 Total Price Total Value Total Interest YTD interest $16,625.00 $50,696.40 $34,071.40 $1,893.52 Bonds: 1-41 of 41 Serial # Series Denosn issue Text Final issue Price Interest Interest Value Note Date Accrual Maturity bate L1006023175E E $50 06/1972 06/2002 $37.50 $215.58 $253.08 MA L833647786E E $50 12/1971 12/2001 $37.50. . $215.82 $253.32 MA L820476590E E $50 09/1971 09/2001 $37.50 $215.22 $252.72 MA L836087116E E $50 04/1972 04/2002 $37.50 $214.88 $252.38 MA L808208382E E $50 05/1971 05/2001 $37.50 $215.70 $253.20 MA L820432117E E $50 07/1971 07/2001 $37.50 $214.62 $252.12 MA L836042438E E $50 02/1972 02/2002 $37.50 . . . .$214.84. _. $252.34 MA L831114078E E $50 10/1971 10/2001. $37.50 $215.22 $252.72 MA C136292444EE EE $100 05/1988 05/2014 05/2018 -$501.1010-1 . $123.52 .4.00% $173.52 V2357455EE EE $5,000 09/1992 03/2014 09/2022 $2,500.00 $4,760.00 4.00% $7,260.00 V2357456EE EE $5,000 09/1992 03/2014 09/2022 $2,500.00 $4,760.00 4.00% $7,260.00 V2544210EE. EE $5,000 01/1993 01/2014 01/2023 $2,500.00: $4,618.00 4.00% $7,118.00 V2364010EE EE $5,000 10/1992.04/2014 10/2022 $2,500.00 $4,760.00 4.00% $7,260.00 V2544211EE EE $5,1000 .01/1.99.3 01/2014 01/2023 $2,500.00 $4,618.00 4.00%, $7,118.00 V2364009EE EE $5,000 10/1992 04/2014 10/2022 $2,500.00 $4,760.00 4.00% $7,260.00 C66567265EE EE $..100..02/1984 02/2014 0 $176.12 4.00to2/2014 $50.00 0 : $226.12 C58736801EE, EE $100 09/1983 09/2013 $50.00: .$180.64 _ $230.64 MA C60015558EE EE $100,11/1983 11/2013 _$50.00 $180.64„ $230.64 MA C69122451EE EE $100 04/1984 04/2014 04/2014 $50.00 $176.12 4.00% $226.12 C69190756EE EE $100 06/1984 06/2014 06/2014 $50.00 $176.12 4.00% $226.12 C73375785EE EE $100, 08/1984`02/2014 08/2014 $50.00 $171.68 4.00% $221.68 C86912028EE EE $100 03/1985-03/2014 03/2015 $50.00 $167.3.2: 4.00% $217.32 C83673157EE EE $100 01/198501/20,14 01/201.5 $50.00 $167.32 4.00% $217.32 C79380253EE EE $100 11/1984 05/2014 11/2014 $50.00 $171.68 4.00% $221.68 C90956317EE EE $100 06/1985..06/2014 06/2015 $50.000. $167.32 4.00% $217.32 C96569847EE EE $100 08/1985 02/2014 08/2015 $50.00 $163.08 4.00% $213.08 C109754367EE EE $100 10/1985 04/2014 10/2015 $50.00 $163.08 4.00% $2.'13.08 C114410997EE EE $100 01/1986 01/2014 01/2016 $50.004.00% . 0 $158.88 4.00/0 $208.88 C114527703EE EE $100 03/1986 03/2014 03/2016 $50.00 $158.88 4.00/a $208.88 C120441279EE EE $100 05/1986.05/2014 05/2016 $50.00 $158.88 4.00% $208.88 C123748876EE EE $100 08/1986 02/2014 08/2016 $50.00 $154.80 4.00% $204.80 C128105914EE EE $100 10/1986 04/2014 10/2016 $50.00 $154.80 4.00010 $204.80 C140540428EE EE $100 12/1986.06/2014 12/2016 $50.00 $134.12 4.00% $184.12 C145385110EE EE $100 02/1987 02/2014 02/2017 $50.00 $130.52 4.00% $180.52 C151187069EE EE $100 05/1987 05/2014 05/2017 $50.00 $130.52 4.00% $180.52 C153598730EE EE $100 07/1987 01/2014 07/2017 $50.00 $127.00 4.00% $177.00 C154835883EE EE $100 09/1987 03/2014 09/2017 $50.00 $127.00 4.00% $177.00 C160591860EE EE $100 12/1987 06/2014 12/2017 $50.00 $127.00 4.00%. $177.00 C168266640EE EE $100 02/1988 02/2014 02/2018 $50.00 $123.52 4000/0 $173.52 C174180633EE EE $100 04/1988 04/2014 04/2018 $50.00 $123.52 4.00% $173.52 L188706954EE EE $50 01/1986 01/2014 01/2016 $25.00 $79.44 4.00% $104.44 Totals for 41 Bonds $16,625.00 34,071.40 $50,696.40 l,rt„ !ha tix ar trPn(mrvdirPrt onv/RC/SRCPrice 1/8/201 Ku M m4s 34 WEST MAIN STREET MECHANICSBURG,PA 17055� APPRAISAL Phone: 766-9422 APPRAISAL Appraisal For: Freda M. Zeigler, Executrix of Estate of Freda M. Zeigler, Deceased 4 Stone Mothe`r's Ring in 14K Gold' valued' at $55.00 Ladies Sterling' Silver 'Ring with Blue colored stone valued at $5.00 tr�sy` ' `3'tYF ``rciurly iC tk a. �1 rYtC� .+ .'Y. si'"5'r`h }'`'t '"`>'r t K"'`']•¢ 3kd i a x NayP' r 4 <G" rc.r { + "tits r s k h t z • xx ,v, w- ?. a.{,i''!r,,- roi•'"^„GH-".SRpw �tia*ja.,. Ngktfk x. V t'" m{vim$'yrs `.., . ea t" r},j..r, 3 f�,4,4F ErE: sT �u i •t"i 'F tl.''.'a lr tu.�'{ rr>.`'` ,i. 2 r aa] -'"4Y' r 2 �` �t "� ! ! > g j++t hha_� •+k ''Tj. 33.F s3s1� D'• 3-n g;� ��, mar �"t ��" t,S<Yi a��izx�• �,.#Lr3�t�.� , ,��,y w .r3 'a,,.�, ,v.., t+,fr`^"`�. •. h„e t¢ �{ x�.. �. f'.tS Fb. re .� rit r" ^.r',r r..t L,h � x�"q t ii -g'�r,a '" K+: xL t.h' � ,s,�'.�+-F' �§..,r•��r� d'�"'��"'-x�-"n Xy ��` '`^ � �it .�'%' 'm fit=sE+far'"c .ev ty " F • tya, j�tt 2''� "L� Yc,' -� "f'�'°r 7c. t ]'1r1{ x 2k' yts � ^'�'S.J!•• yAgK t.. t s '`Y "ra a.Lr kt .r }E"f- � "z3`�„3,i'°'. �r"`s`�z+'.', p' .5^,i ''•-i t) �'•ir�;r"� n21'f `' r�,'j f+'ar r y r x i A L P �r X fi �� di r,Y e •f"'tr f r x, T` L r s.�`.ct'u'� k '�.,,.cy fa ,�?y k -r��tat�• y�.�"ra F,r amc . �r 'x.^- t� � .], t•Y� tt ,,`�5� ] �i ,a lwlc { i4 .,k�•I'i�^' y'S a: 5 ,�}� .try+~l'rx�d �''"�gn'. �X�` - . r"h'` �.��i v''r�•' .F', r r�� y -+�i h�ai �y,]J..• f-r`'krs' 3 LR,+s`t"err�r%'ry,a c..,s+: }a _...*rr rYasws �� x a'prt,u'ta]c" u. ''- tt,; N.+•'< at ' Cif x t+,'�a`�.,�L ^"^`,��'� t:�4P }{x �°i'S t! +,r �f t .i.v� ,� is�5� �, �,l3'+ �r�" r,�^t.'�'•r��M 4 a�..s"�`j y 3 �'� Pt.3'3 r� i s ,+, �,n .�• � +�, ,. rL''y 'a p.,�Y,���t,•..� ?si�,s�t��"^-�'s"L`x.^4'��cay�Cr 3ffi.'� 7? rt�zr, cmS e�5. f�=lX,Vetts r.x.?��'..".ahyre+YyP'�'`'"'`��'�,•``''„%{a-S-1 A-SfiS'-S�I,,,x,r 4y;6sc`'�tirjit31.P44,,ri.'4yxs1'�r+.f-rt°.t.'3a.q,�,n+{ems5'hi#"�z,y' .�'.'d"r,^�C.A.y-zrXrtr zwr..jtst .�r£eis3Y41''•t,pU.,1..tcr+.^.r.xStgFjK . , t ae.-2- .Aes1'3c a'Twvx Tai-m vl -r'iT.��� ryc 4 le �q�, r r�`�Y't ter�kz„3�� +a %•r gw#�"i�et,^^�i�.� �d �s'rf`x}.,i-r'`�rr,�e�,i'�"�'.�..:+''Z me+r °!"�;* .a�'� 't`^��� '�r� P :29.'�a�'r ��""+�' £'"if K{ tt� ,,,ttK„�g�-d�ru.� '�,} x h`N T y"�� '�5i,�,�'s�E y%...•, kx,3 fi rx f,�S'�g f r"3"a* �.:c 7�.,; i,.� ;.. . .','�. '�,Y,4,s,�,.�,•>i'-'"`,'�1�Y�"L-,i�'+ *�c.'`,��{t �� �'?sb.. S' J'""�z a."�.BH .r `'' F`+s�>'i�x'1 i`�,L: +k>4�-.cc+� "'�`.w '�`ti - "tt.r.}"�v� y�,� Irk '�:( ", ly, rfis ^k'�K� +b H ar'�a+r.{•�at Frs r��cr e?W..x j a 3 s sat . w.� N,r� .F u�++'° '�y� e.`M s�a�`e;��g,�.Mme.t� t'4 g* 4 t�tv i� `if frH',�,'y� �'� '4x � sSr��ysy -tle-"w?F•� `�' `�x�<�"}Y�, - .6.a o�k.�•-r..,v-t..a.3 z_:.}.iztia ..,ar sl.i�-:,t�a� _..+� - This,approisat constitutes our carefully studied,opinion of 0 the retail replacement cost through our facilities iZ the distress sales nature value of the orticle(s)described above insofar as the mounting(s)have permitted observation. we assume no liability with respect to any action that may be taken on the basis of this appraisal. ' Appraiser :t LAST WILL AND TESTAMENT I,FREDA M.ZEIGLER,of the Township of Silver Spring, County of Cumberland and State of Pennsylvania,being of sound and disposing mind,memory and understanding,do make, publish and declare this as and for my Last Will and Testament,hereby revoking and making void all former wills and codicils by me at any time heretofore made. FIRST. I order and direct that all my just debts and funeral expenses be paid by my Executrix,hereinafter named,as soon as conveniently may be done after my decease, SECOND. All the rest,residue and remainder of my Estate,real,personal and mixed, whatsoever and wheresoever situated,l give,devise and bequeath in equal shares unto illy two daughters,namely,FREDA M.ZEIGLER and KATHRYN C. SNYDER,share and share alike. If either of my said daughters should predecease me and leave lawful issue to survive me. 1 order and direct that the share which such deceased daughter would have received hereunder had she survived me shale be distributed unto such deceased daughter's issue per stupes by representation and not per capita. LASTLY. I nominate,constitute and appoint illy daughter,namely,FREDA M. ZEIGLER,to be the Executrix of this,my Last Will and Testament,but if for any reason she shall fail to qualify as such Executrix or cease so to serve,then and in that event,I nominate, constitute and appoint my daughter,namely,KATHRYN C. SNYDER,to be the executrix hereof,each to serve without bond or other security as a condition of qualification hereunder. IN WITNESS WHEREOF,I,FREDA M.ZEIGLER,have hereunto set my hand and sea to this,my Last Will and Testament,which consists of two(2)typewritten pages to each of' which I have affixed illy signature this 26`x'day of May, A.D.,Two Thousand Five(2005). __(SEAL) le ler LAW OFFICES SNELBAKER& BRENNEMAN,P.C. � I The preceding instrument,consisting of this and one(1)other types rit'teii page,each identified by the signature of the Testatrix,was on the date thereof signed,sealed,published and declared by FREDA M.ZEIGLER,the Testatrix therein named,as and for her Last Will and i Testament,in the presence of us,who,at her request,in her presence and in the presence of each I jother,have subscribed our names as witnesses hereto. j 7 1 I COMMONWEALTH OF PENNSYLVANIA) I . COUNTY OF CUMBERLAND ) SS. We,FREDA M.ZEIGLER,RICHARD C. SNELBAKER and JANE J. COONEY,the f Testatrix and the witnesses,respectively,whose names are signed to the attached or foregoing instrument,being first duly sworn,do hereby declare to the undersigned authority that the Testatrix signed and executed the instrument as her Last Will and Testament and that she had signed willingly,and that she executed it as her free and voluntary act for the purposes therein expressed,and that each of the witnesses,in the presence and hearing of the'Testatrix,signed the Will as a witness and that to the best of his or her Imowledge,the Testatrix was at that time eighteen years of age or older,of sound mind and under no constraint or undue influence. Testatrix Witness Wi M ess Subscribed,sworn to and acknowledged before me by FREDA M. ZEIGLER,the (Testatrix,and subscribed and sworn to before me by RICHARD C. SNELBAKER and JANE J. ICOONEY,the witnesses,this 26`t'day of May,2005. 4WOFFICES 4ELeAKER& COi i„�C' rdE t l i "r' =S`LV�VAN!P, ���Ilsr, � -NJtF JNEMAN, P.C. NO:.^r,v I'uL1iC �. �I Sandra K..rihny+g m,Notary Public Mechanicsburg Bom.Cumberland County My Commission Expires Nov.22,2007 Membe..�snn<y!v�cis,a.;,z.,iioon of Nolades I II