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HomeMy WebLinkAbout05-26-15 (2) J REV-1500 E"(01-10) 1505610143 OFFICIAL USE ONLY PA Department of Revenue pennsylvania County Code Year File Number Bureau of Individual Taxes DEPARTMENT OF REVENUE PO BOX.280601 INHERITANCE TAX RETURN 2 1 14 00874 Harrisburg,PA 17128-0601 RESIDENT DECEDENT ENTER DECEDENT INFORMATION BELOW Social Security Number Date of Death Date of Birth 08 28 2014 06 06 1941 Decedent's Last Name Suffix Decedent's First Name MI MCBRIDE KATHRYN 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 ® 1. Original Return ❑ 2. Supplemental Return ❑ 3.Remainder Return(date of death prior to 12-13-82) ❑ 4. Limited Estate ❑ 4a.Future Interest Compromise ❑ 5. Federal Estate Tax Return Required (date of death after 12-12-82) ® 6. Decedent Died Testate ❑ 7. Decedent Maintained a Living Trust 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 SCh.0) CORRESPONDENT-THIS SECTION MUST BE COMPLETED.ALL CORRESPONDENCE AND CONFIDENTIAL TAX INFORMATION SHOULD BE DIRECTED TO: Name Daytime Telephone Number SAMUEL L ANDES 717 761 5,361 RE0T 2 OF WIL US is :5.- First line of address 525 NORTH 12TH STREET Second line of address DATE FILEDcno City or Post Office State ZIP Code LEMOYNE PA 17043 Correspondent's e-mail address: SamuelAndes168@gmail.com 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 rue,correct and complete.Declaration of preparer other than the personal representative is based on all information of which preparer has any knowledge. (GNAT OF PERSOMNSI R FI ING RETURN DATE WaDonna M. Heiman ADDRESS 644 Mountain Street, Enpla,, PA 17025 SIGN E F P ER O N RE ES NT IVE DATE Samuel L Andes ADDR 525 North 12th Street, Lemoyne, PA 17043 Side 1 L 1505610143 1505610143 J 1505610243 REV-1500 EX Decedent's Social Security Number Decedent's Name: M C B R I D E, KATHRYN E. RECAPITULATION 1. Real Estate(Schedule A).......................................................................................... 1. 109 , 500 . 00 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. 41 , 847 . 96 6. Jointly Owned Property(Schedule F) ❑ Separate Billing Requested............. 6. 7 , 500 . 00 7. Inter-Vivos Transfers&Miscellaneous Non-Probate Property (Schedule G) ❑ Separate Billing Requested............. 7. 36 , 479 . 34 g, Total Gross Assets(total Lines 1-7)....................................................................... 8. 195 , 327 . 30 9. Funeral Expenses&Administrative Costs(Schedule H)......................................... 9. 33 , 904 . 39 10. Debts of Decedent,Mortgage Liabilities,&Liens(Schedule 1)................................. 10. 2 , 640 . 92 11. Total Deductions(total Lines 9&10)...................................................................... 11. 3 6 , 545 . 31 12. Net Value of Estate(Line 8 minus Line 11)............................................................. 12. 158 , 781 . 99 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. 158 , 781 . 99 TAX COMPUTATION-SEE INSTRUCTIONS FOR APPLICABLE RATES 15. Amount of Line 14 taxable at the spousal tax rate,or transfers under Sec.9116 (a)(1.2)X.00 15. 16. Amount of Line 14 taxable at lineal rate X .045 158 , 781 . 9 9 16. 7 , 145 . 19 17. Amount of Line 14 taxable at sibling rate X ,12 17. 18. Amount of Line 14 taxable at collateral rate X .15 18. 19. Tax Due..................................................................................................................... 19. 7 , 145 . 19 20. FILL IN THE OVAL IF YOU ARE REQUESTING A REFUND OF AN OVERPAYMENT. ❑ Side 2 L 1505610243 1505610243 J REV-1500 EX Page 3 File Number 21 - 14 - 00874 Decedent's Complete Address: DECEDENT'S NAME McBride, Kathryn E. STREET ADDRESS 19 Stephen Road CITY STATE ZIP Camp Hill PA 17011 Tax Payments and Credits: 1. Tax Due(Page 2,Line 19) (1) 7,145.19 2. Credits/Payments A. Prior Payments 4,000.00 B. Discount 210.53 Total Credits(A +B) (2) 4,210.53 3. Interest (3) 0.00 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) 2,934.66 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;.................................................................................. b. retain the right to designate who shall use the property transferred or its income;.................................... ncome:.................................... ❑ c. retain a reversionary interest;or.................................................................................................................. ❑ d. receive the promise for life of either payments,benefits or care?.............................................................. ❑ 2. If death occurred after December 12, 1982,did decedent transfer property within one year of death without ❑ receiving adequate consideration?....................................................................................................................... 3. Did decedent own an"in trust for" or payable upon death bank account or security at his or her death?......... ❑ 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 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 decedent's lineal beneficiaries is 4.5 percent,except as noted in 72 P.S.§9116 1.2)[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 bloo�or adoption. SCHEDULE A REAL ESTATE COMMONWEALTH OF PENNSYLVANIA INHERITANCE TAX RETURN RESIDENT DECEDENT FILE NUMBER ESTATE OF McBride, Kathryn E. 21 - 14-00874 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 which is jointly-owned with right of survivorship must be disclosed on schedule F. Attach a copy of the settlement sheet if the property has been sold. Include a copy of the deed showing decedent's interest if owned as tenant in common. ITEM DESCRIPTION VALUE AT DATE OF NUMBER DEATH 8 Single-family residence at 19 Stephens Road, East Pennsboro Township, Cumberland County, 109,500.00 PA. The property was sold on 24 April 2015 and the gross sale price was: TOTAL(Also enter on Line 1, Recapitulation) 109,500.00 SCHEDULE E CASH, BANK DEPOSITS, & MISC. COMMONWEALTH OF PENNSYLVANIA PERSONAL PROPERTY INHERITANCE TAX RETURN RESIDENT DECEDENT FILE NUMBER ESTATE OF McBride, Kathryn E. 21 - 14-00874 Include the proceeds of litigation 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 OF NUMBER DESCRIPTION DEATH 8 Checking account No. 51-4026-5038 with PNC Bank. 3,728.74 9 Money market savings account No. 51-3012-8822 with PNC Bank. 31,219.22 10 Miscellaneous items of furniture and personal effects 500.00 11 2004 Ford Explorer automobile 6,000.00 12 2014 Federal income tax refund 400.00 TOTAL(Also enter on Line 5, Recapitulation) 41,847.96 SCHEDULE F COMMONWEALTH RITANC TAX RETURN JOINTLY-OWNED PROPERTY INHERITANCE TAX RETURN RESIDENT DECEDENT ESTATE OF FILE NUMBER McBride, Kathryn E. 21 - 14-00874 If an asset was made joint within one year of the decedent's date of death, it must be reported on schedule G. SURVIVING JOINT TENANT(S)NAME ADDRESS RELATIONSHIP TO DECEDENT Donna M. Helman 644 Mountain Street Daughter A Enola, PA 17025 JOINTLY OWNED PROPERTY: ❑E p P ITEM LETTER DATE Include name of fins R al InOsNtuOlon anOd bank account numbe DATE OF DEATH %OF DATE OF DEATH NUMBER FOR JOINT MADE or similar identifying number.Attach deed forjointl -held real VALUE OF ASSET DECD'S VALUE OF TENANT JOINT 9 Y INTEREST DECEDENT'S INTEREST estate. 1 A 2000 2000 Ford Econoline camper vehicle 15,000.00 50% 7,500.00 TOTAL(Also enter on line 6, Recapitulation) 7,500.00 COMMONWEALTH OF PENNSYLVANIA SCHEDULE G INHERITANCE TAX RETURN INTER-VIVOS TRANSFERS & RESIDENT DECEDENT MISC. NON-PROBATE PROPERTY ESTATE OF McBride, Kathryn E. FILE NUMBER 21 - 14-00874 This schedule must be completed and filed if the answer to any of questions 1 through 4 on page 2 is yes. ITEM DESCRIPTION OF PROPERTY DATE OF DEATH %OF EXCLUSION TAXABLE VALUE NUMBER Include the name of the transferee,their relationship to decedent VALUE OF ASSET DECD'S (IF APPLICABLE) and the date of transfer. Attach a copy of the deed for real estate. INTEREST 1 Allstate Advantage Annuity No.AC1148229A 22,330.74 100% 0.00 22,330.74 2 New York Life Insurance Annuity No. 75613691 14,148.60 100% 0.00 14,148.60 TOTAL(Also enter on line 7, Recapitulation) 36,479.34 SCHEDULE H FUNERAL EXPENSES& COMMONWEALTH OF PENNSYLVANIA ADMINISTRATIVE �^ '�+`�'p T/� INHERITANCE TAX RETURN ADMINIS1RATI E(',(' CTS RESIDENT DECEDENT COSTS v FILE NUMBER ESTATE OF McBride, Kathryn E. 21 - 14-00874 Debts of decedent must be reported on Schedule I. ITEM NUMBER FUNERAL EXPENSES: DESCRIPTION AMOUNT A. 1 Parthemore Funeral Services 11,275.14 2 Tri-County Cemetery Association (gravesite and grave opening) 1,926.00 3 Brachendoff Memorial (gravemarker) 95.00 B. ADMINISTRATIVE COSTS: 1. Personal Representative's Commissions Name of Personal Representative(s) Street Address City State Zip Years)Commission paid 2. Attorney's Fees Samuel L.Andes 7,000.00 3. Family Exemption: (If decedent's address is not the same as claimant's,attach explanation) Claimant Street Address City State Zip Relationship of Claimant to Decedent 4. Probate Fees Register of Wills 360.50 5. Accountant's Fees 6. Tax Return Preparer's Fees H&R Block 175.00 7. Other Administrative Costs 8 Cumberland Law Journal (advertising) 75.00 TOTAL(Also enter on line 9, Recapitulation) 33,904.39 Schedule H Funeral Expenses& COMMONWEALTH OF PENNSYLVANIA INHERITANCE TAX RETURN Administrative Costs continued RESIDENT DECEDENT ESTATE OF McBride, Kathryn E. FILE NUMBER 21 - 14-00874 9 The Sentinel (advertising) 169.30 10 Stover Appraisals (real estate appraisal) 375.00 11 Costs of sale of property(see attached schedule) 11,767.82 12 Costs incurred to maintain real estate for sale(see attached schedule) 685.63 Page 2 of Schedule H SCHEDULEI DEBTS OF DECEDENT, MORTGAGE COMMONWEALTH OF PENNSYLVANIA LIABILITIES & LIENS INHERITANCE TAX RETURN 1 RESIDENT DECEDENT FILE NUMBER ESTATE OF McBride, Kathryn E. 21 - 14-00874 Report debts incurred by the decedent prior to death that remained unpaid at the date of death, including unreimbursed medical expenses. ITEM DESCRIPTION AMOUNT NUMBER 8 East Pennsboro Township Tax Collector(2014 real estate taxes) 1,170.60 9 Pennsylvania Water Company 129.54 10 PPL Electric 244.91 11 Holy Spirit Hospital 180.00 12 UGI 94.00 13 Smile-On-Trindle(dental bill) 83.00 14 Pharmacy services 168.88 15 Goodyear 307.00 16 Verizon 134.29 17 East Pennsboro Township(sewer and trash) 128.70 TOTAL(Also enter on Line 10, Recapitulation) 2,640.92 REV•1513 EX+(11-08) SCHEDULE J COMMONWEALTH OF PENNSYLVANIA BENEFICIARIES INHERITANCE TAX RETURN RESIDENT DECEDENT ESTATE OF FILE NUMBER McBride, Kathryn E. 21 - 14-00874 RELATIONSHIP TO SHARE OF ESTATE AMOUNT OF ESTATE NUMBER NAME AND ADDRESS OF PERSON(S) DECEDENT (Words) ($$$) RECEIVING PROPERTY Do Not List Trustee(s) I, TAXABLE DISTRIBUTIONS[include outright spousal distributions,and transfers under Sec.9116(a)(1.2)] 1 Donna M. Heiman Daughter 80% 644 Mountain Street Enola, PA 17025 2 Joshua E. Ozio Grandson 10% 19 Stephens Road Camp Hill, PA 17011 3 Kenneth P. Heiman, Jr. Grandson 10% 644 Mountain Street Enola, PA 17025 Enter dollar amounts for distributions shown above on lines 15 through 18 on Rev 1500 cover sheet,as appropriate. II. NON-TAXABLE DISTRIBUTIONS: A.SPOUSAL DISTRIBUTIONS UNDER SECTION 9113 FOR WHICH AN ELECTION TO TAX IS NOT TAKEN B.CHARITABLE AND GOVERNMENTAL DISTRIBUTIONS TOTAL OF PART 11-ENTER TOTAL NON-TAXABLE DISTRIBUTIONS ON LINE 13 OF REV-1500 COVER SHEET 0.00 WILL OF KATHRYN E. McBRIDE I, KATHRYN E. McBRIDE, of East Pennsboro Township, Cumberland County, Pennsylvania, r, declare this to be my last will and revoke any will previously made by me. D v ITEM I. I direct that all my just debts and funeral expenses, including my gravemarker and all expenses of my last illness, and any and all taxes and assessments imposed by any governmental body as a result of n;-,,death, whether on property passing under this will or otherwise, shall be paid from my residuary estate as soon as practicable after my decease as a part of the expense of the administration of C my estate. ITEM H. I give, devise, and bequeath all of my possessions and estate of every nature and wherever situate as follows: A. Ten (10%)percent thereof to my grandson, JOSHUA E. OZIO,provided that he survives my death by sixty(60) days and should he not so survive my death,to the other parties taking under this Item II of this my last will. B. Ten(10%)percent thereof to my grandson, KENNETH P. HELMAN, JR., provided that he survives my death by sixty(60) days and should he not so survive my death, to the other parties taking under this Item II of this my last will. C. Eighty(80%)percent thereof to my daughter, DONNA M. HELMAN,provided that she survives my death by sixty(60) days and should she not so survive my death,to such of her issue, per stirpes, as survive my death by sixty(60) days. ITEM III. I appoint my daughter, DONNA M. HELMAN, executrix of this my last will. Should my daughter predecease me or otherwise fail io qualify or cease to serve as executrix, I appoint my brother, MICHAEL GAFFNEY, executor of this my last will. ITEM IV. All of the interests of the beneficiaries hereunder shall not be subject to anticipation or to voluntary or involuntary alienation nor shall they be subject to any execution or attachment. ITEM V. In addition to the other powers and authorities granted to my personal representative by Pennsylvania Law and by the other terms and provisions of this will, I hereby give to my personal Page 1 of 4 representative the following powers and authorities effective without court approval and until actual distribution of all property: to compromise any claim or controversy;to make distribution in cash or in kind, or partly in cash and partly in kind, and in such manner as my personal representative may determine and at valuations finally to be fixed by them; to invest in all forms of property, including any stock or other securities in any corporate fiduciary or its successor without restriction to investments authorized for Pennsylvania fiduciaries, as my personal representative deems proper, without regard to any principle of risk or diversification; to retain any or all assets of my estate, real or personal,without regard to any principle of risk or diversification;to sell at public or private sale,to exchange, or to lease for any period of time, any real or personal property and to give options for sales, exchanges, or leases, for such prices and upon such terms or conditions as my personal representative deems proper; and to allocate receipts and expenses to principal or income or partly to each as my personal representatives deem proper in their sole discretion. ITEM VI. I direct that my personal representatives and fiduciaries shall not be required to give bond for the faithful performance of their duties in any jurisdiction. M IN WITNESS WHEREOF, I have hereunto set my hand this I day of GA A , 2009. KATHRWE. McBRIDE Page 2 of 4 The preceding instrument, consisting of this and TWO other typewritten pages, each identified by the signature of the testatrix was on the date thereof signed, published, and declared by KATHRYN E. oMcBRIDE,the testatrix therein named, as and for her last will, in the presence of us, who at her request, n in her presence, and in the presence of each other, have subscribed our names as witnesses hereto. Samuel L. Andes Amy HE@ns u Vv Page 3 of 4 COMMONWEALTH OF PENNSYLVANIA ) ( SS.: COUNTY OF CUMBERLAND ) The undersigned,being the testatrix whose name is signed to the attached or foregoing instrument, having been duly qualified according to law,does hereby acknowledge that I signed and executed the foregoing instrument as my last will,that I signed it willingly; and that I signed it as my free and voluntary act for the purposes therein expressed. c KA YN f. McBRIDE Sworn or affirmed to and acknowledged- before cknowledgedbefore:tee by the testatrix named above Otis day of May , 2009. COMMoK1WI!i 1:F'(-1 OF PENNSYLVANIA NOTARIAL SEAL Notary.public NN EHRENFELD,Notary Public Lemoyne Boro.,Cumberland County My Commission Expires February 1,2013 A COMMONWEALTH OF PENNSYLVANIA ) ( SS.: COUNTY OF CUMBERLAND ) WE, SAMUEL L.ANDES and AMY HARKINS,the witnesses whose names are signed to the attached or foregoing instrument,being duly qualified according to law,do depose and say that we were present and saw the testatrix sign and execute the instrument as her last will;that she signed it willingly and that she executed it as her free and voluntary act for the purposes therein expressed;that each of us in the hearing and sight of the testatrix signed the will as witnesses; and that to the best of our knowledge,the testatrix was at that time 18 or more years of age, of sound mind,and under no constraint or undue influence. Sa -C Andes CJ�IIl3 Sworn or affirmed to and Amy Ha 1 s acknowledged before me this day of MA> 52009. i COPgIyONyye{yL7Q-i of PENNSYLVANIA � —'+` NOTARIAL SEAL� i�otaryPubliz LYNN EHRENFELD,Notary Public Lemoyne Boro.,Cumberland County My Commission Expires February 1,2013 Page 4 of 4 4TA,w,e"rosy OMB Approval No.2502-0265 o 11111 SGS A. 'Settlement Statement (HUD-1) A@'rN oeJF,� B. Typo 4 Loan 1,©FHA 2.Q RHS 3,nConv.Unins. 6. File Number: 7, Loan Number: 8. Mortgage Insurance Case Number: 4.I]VA S.Q Conv.Ins. P15 103 4699920712 446-2426416-703 C. Note: This form is furnished to give you a statement of actual settlement costs. Amounts paid to and by the settlement agent are shown. Items marked"(p.o.c.)"were paid outside the closing,,they are shown here for informational purposes and are not included in the totals. D. Name and Address of Borrower: E. Name and Address of Setter. F, Name and Address of Lender: DouglasA.Marshall Estate of Kathryn E.McBride STEARNS LENDING,LLC 233 Louis Lane 19 Stephen Road 4 HUTTON CENTRE DR.,10th FLOOR Enola,PA 17025 Camp Hill,PA 17011 SANTA ANA,CA 92707-8710 G. Property Location: H. Settlement Agent: I. Settlement Date: 19 Stephen Road PURITY ABSTRACT COMPANY Camp Hill,PA 17011 3315 MARKET STREET April 24,2015 Cumberland County,Pennsylvania CAMP HILL PA 17011 Ph, (717)737-8359 Place of Settlement: Century 21 Really Services 3315 Market St,Camp Hill,PA J. Summary of Borrowees transaction K. Summary of Setters transaction 100. Gross Amount Due from Borrower: 400. Gross Amount Due to Seller: 101. Contract sales price 109,500.00 401. Contract sales price 109,500.00 102. Persona{property 402. Personal proparty 103. Settlement Charges to Borrower Line 1400 7,294.41 403, 104. 404. 105. 405. Adjustments for items paid by Seller in advance Ad ustments for items paid by Seller In advance 106. COUNTYITOWNSHIP 04/24/15 to 01/01/16 269.34 406. COUNTYrrOWNSHIP 04/24/15 to 01/01/16 269.34 107. CITY TAX to 407.CITY TAX to 108, SCHOOL TAX 04124/15 to 07101/15 218.08 408. SCHOOL TAX 04/24115 to 07/01115 218.08 109. 2ND QUARTER SEWER 04124/15 to 07/01/15 68.37 409.2ND QUARTER SEWER 04/24/15 to 07/01/15 68.37 110. 410. 111. 411. 112. 412. 120. Gross Amount Dua.from Borrower 117,350.20 420,Gross Amount Due to Seller 110,055.79 200. Amounts Paid by or In Behalf of Borrower Soo. Reductions In Amount Due Seller. 201. Deposit or earnest money 1,000.00 501. Excess deposit see instructions 202. Principal amount of new bans 107 516.00 502. Settlement charges to Seller Line 1400 10,045.95 203. Existing loans taken subject to 503. Existing bans taken subject to 204, 504. Payoff First Mortgage 205. 505. Payoff Second Mortgage 206. 506. 207, 507.(Deposit dish.asproceeds) 208. SELLER CREDIT FOR APPRAISAL475.00 508. SELLER CREDIT FOR APPRAISAL 475.00 209. SELLER CLOSING COST ASSISTANCE 6001.70 509.SELLER CLOSING COST ASSISTANCE 6,001.70 Ad ustments for Items unpaid by Seller Adjustments for items unpaid by Seller 210. COUNTY/TOWNSHIP to 510.COUNTY/TOWNSHIP to 211. CITY TAX to 511. CITY TAX to 212. SCHOOL TAX to 512. SCHOOL TAX to 213. 513, 214. 514. 215. 515, 216. 516, 217. 517. 218. 518. 219. 519. 220. Total Paid by/for Borrower 114,992.70 520. Total Reduction Amount Due Seller 16,522.65 300. Cash at Settlement from/to Borrower 600. Cash at settlement tolfrom Seller 301. Gross amount due from Borrower line 120 117,350-20 601. Gross amount due to Seller line 420 110,055.79 302. Less amount paid by/for Borrower line 220 { 114,992.70) 1 602. Less reductions due Seller line 520) ( 16,522.6 303. Cash FXJ From [] To Borrower 2,357.50 603. Cash ❑X To From Seiler 93,533.14 •Paid onside of dosingby bomww(B),sella(s),lerder(Q,m Wrd-paty(T) The undersigned hereby ad(nriedge receipt of a completed copy of this statement&any attachment rred to herein Borrower 10� �- Seiie� e /✓ D as 1 A.Marshall Estate of Kathryn E.McBride The Public Reporting Burden far Vis cdWw orINamdim is estimated a135 mmUes per resporue fa cdlectirg,reAsmrs and repo tng ft data.TNs agsn:y may rot cdlecl tfis irtormaem,and you are rct recpred to compete pisform,truss it displays awrenoy vdid OMB catrd rsmbar.NoccMdadidity is asstred,His dsdcetrels mardatoy.TNS is desigWtoproAds thepates to a RESAAm sdtrarsacVmwithittarm afimdsingme sell-r* pr-S. Page 1 of 3 HUD-1 (MARSHALL.I9.PFD/P.15-103/45) L.Settlement Charges. 700.Total Real Estate Broke►Fees $6,570.00 Paid From Paid From Division of commission(fine 700)as follows: borrowers Sellers 701,$3,485.00 to REMAX REALTY PROFESSIONALS Funds at Funds at Note:Line 701 1ndudesAdjustment of 200.00 For Settlement Settlement 702.$ 3,285.00 to CENTURY 21 REALTY SERVICES 703.Commission paid at settlement 6,770.00 704. 705. DEED PREP 706.ADD'L COMMISSION to CENTURY 21 REALTY SERVICES 295.00 800.Items Payable In Connection with Loan 801.Our origination-charge $ 2,675.00 from GFE#1 802.Your credit or charge(points)for the specific interest rate chosen -2 324.50 from GFE#2 803.Your ad'usted origination charges from GFE#A 350.50 804.Appraisalfee to TRIMMAN from GFE#3) POCK 375 805,Credit Report to EQUIFAX MORTGAGE SOLUTIONS from GFE#3 17,30 806.Tax service to from GFE#3 807,Flood certffx:ation to from GFE#3 808,APPRAISAL MANAGEMI TRIMAVIN from GFE#3 POCK 100 809• from GFE#3 814• from GFE#3 811• (from GFE#3) 900.ltems.Requlreif by Lenderto Be Paid In Advance 901.Daily interest charges from 04/24/15 to 05101/15 7 $9.940000/da from GFE#14 69.58 902.Mortgage insurance premium for months to FHA (from GFE#3) 1,849.17 903.Homeowner's insurance for 1.0 years to STATE FARM INSURANCE COMPANIES (from GFE#11) 593.00 904, (from GFE#11) 905• (from GFE#11) 1000.Reserves Deposiied with.Lender . ". .. 1001,initial deposit for your escrow account (from GFE#9) 991.11 1002.Homeowner's insurance 1.000 months @ $ 49.42 per month $ 49.42 1003.Mortclace insurance 0.00 months @ $ 74.18 per month $ 1404.Pro taxes $ COUNTY TAX months @ $ per month CITY TAX months @ $ per month SCHOOL TAX months @ $ per month 1005. $ COUNTYITOWNSHIP months $ per month SCHOOL TAX months $ oer month 1006. months $ per month $ 1007,COUNTY/TOWNSHIPTAXES 1.000 months @ $ 32.51 per month $ 32.51 1008. SCHOOLTAXES 10,000 months @ $ 97.55 per month $ 975.50 1009,AGGREGATE ADJUSTMENT $ -66.32 1100.Title Charges, 1101. Title services and lender's title insurance (from GFE#4) 1,456.40 1102. Settlement or dosing fee $ 1103. Ownees.title insurance to FIRST AMERICAN TITLE INS.CO. (from GFE#5) 11,00 1104, Lender's title insurance to FIRST AMERICAN TITLE INS.CO. $ 1,234.00 1105. Lender's title policy limit $ 107,516.00 1106. Owner's title policy limit $ 109,500.00 1107, Agent's portion of the total title insurance premium to PURITY ABSTRACT COMPANY $ 1,058.25 1108. Underwriter's portion of the total title insurance premium to FIRST AMERICAN TITLE INS.CO. $ 186.75, 1109. Notary Fee to Notary Clerk $ 10.00 1110. Payoff outgoing wire fee to PURITY ABSTRACT COMPANY $ 12.00 1111, TAX CERT.FEE to PURITYABSTRACT COMPANY $ 20.00 1112, $ 1113. $ 1200:Government,Recoid'no and Transfer dhiiges. 1201.Government recordin charges to RECORDER OF DEEDS from GFE#7 172.00 1202.Deed $ 79.00 Mortgage $ 93.00 Releases $ Other $ 1203,Transfer taxes' to RECORDER OF DEEDS (from GFE#8) 1,095.00 1204.C /Cour tax/stamps $ 1,095.00 $ 1,095.00 1205.State tax(stam s $ 1,095.00 $ 1206, 1207. 300,AddiEional;SettlementCharges. ;,_' • 1301.Required services that you can shop for (from GF E#6) 1302.TOWNSHIP CERTiFICATiON to EAST PENNSBORO TOWNSHIP $ 10,00 1303, 2ND QUARTER REFUSE to EAST PENNSBORO TOWNSHIP $ 34.75 11.75 1304. HOME&PEST INSPECTIONS to ESMVENTURES LLC $ 350.00 1305.PEST TREATMENT to PENN PEST $ 127.20 1306, INHERITANCE TAX ESCROW to PURITYABSTRACT COMPANY $ 2,000.00 1400,Total,Settlement Charges(enter on lines 103,Section J and 502,Section K) 7,294.41 1 10,045.95 Paid-Aside ddming by bwrawer(%,aeiler(S),lender(L),ar U&bpaty(T) By$19Nng page 1 of we stalemem ate sigala im wknomwpa receipt or a competed copy of page 2&3 d this thea pegs staler ea. PURITY ABSTRACT COMPANY,Settlement Agent Certified to be a true copy. Page 2 of 3 HUD-1 (MARSHALL.I9.PFD/P.15-103/45) Comparison of.Good Faith Estimate(GFE)and HUD-1 Charges Good Faith Estimate HUD-1 Charges That Cannot Increase HUD-1 Line Number Our origination charge #801 2,675.00 2,675.00 Your credit or charge(points)for the spec rate chosen # 802 -2,324.50 -2,324.50 Your adjusted origination charges # 803 350.50 350.50 Transfer taxes #1203 1,095.00 1,095.20j Charges That In Total Cannot Increase More than 10% Good Faith Estimate HUD-1 Government recording charges #1201 200.00 172.00 Appraisal fee # 804 475.00 375.00 Credit report #805 17.90 17.30 APPRAISAL MANAGEMENT FEE #808 0.00 100.00 Mortgage Insurance Premium # 902 1,849.17 1,849.17 Total 2,542.07 2,513.47 Increase between GFE and HUD-1 Charges $ -28.60 or -1.13*14 Charges That Can Change Good Faith Estimate HUD-1 Initial deposit for your escrow account #1001 1,819.00 991.11 Daily interest charges # 901 $ 9.940000/day 39.77 69.58 Homeowner's insurance #903 600.00 593.00 Title services and lender's title insurance #1101 1,337.00 1,456.00 Owner's title insurance to FIRST AMERICAN TITLE INS.CO. #1103 10.00 11.00 Loan Terms Your initial loan amount is. $107,516.00 Your loan term is 30.00 years Your initial interest rate is 3,3750% Your Initial monthly amount owed for principal,Interest and $549.50 includes any mortgage Insurance is n Principal 0 Interest Ux Mortgage Insurance Can your interest rate rise? ❑X No ❑ Yes,it can rise to a maximum of %. The first change will be on and can change again every_months after Every change date,your interest rate can increase or decrease by %. Over the Ile of the ban,your interest rate is guaranteed to never be lower than %or higher than %. Even if you make payments on time,can your loan balance rise? ❑X, No 0 Yes,it can rise to a maximum of$ Even if you make payments on time,can your monthly ❑x No ❑ Yes,the first increase can be on and the monthly amount owed for principal,Interest,and,mortgage Insurance rise? amount owed can rise to$ The maximum it can ever rise to is$ Does your loan have a'prepayment penalty? ❑X No ❑ Yes,your maximum prepayment penalty is$ Does your loan have a balloon payment? ❑X No ❑ Yes,you have a balloon payment of$ due in_years on Total monthly amount owed Including escrow account payments ❑ You do not have a monthlyescrow payment for items,such as property taxes and homeowner's insurance. You must pay these items directly yourself. 0 You have an additional monthly escrow payment of$179.48 that results In a total initial monthly amount owed of$728.98. This includes principal,interest,any mortgage insurance and any items checked below: ❑X Property taxes 0 Homeowner's insurance C] Flood insurance C] Note: if you have any questions about the Settlement Charges and Loan Terms fisted on this form,please contact your tender. Page 3 of 3 HUD-1 (MARSHALL.I 9.PF D/P.15-103/36) HUD-1 Attachment Borrower(s):Douglas A, Marshall Selle(s): Estate of Kathryn E. McBride 233 Louis Lane 19 Stephen Road Enola, PA 17025 Camp Hill, PA 17011 Lender:STEARNS LENDING, LLC Settlement Agent:PURITY ABSTRACT COMPANY (717)737-8359 Place of Settlement:Century 21 Realty Services 3315 Market St,Camp Hill,PA Settlement Date:April 24,2015 Property Location:19 Stephen Road Camp Hill,PA 17011 Cumberland County, Pennsylvania Additional Adjustments For Items Paid By Seller In Advance(Borrower Debit) Description Amount From/Through Prorated Amount 2ND QUARTER SEWER 91.50 04/01/15 throw h06 68.37 Total Line 1091409 68.37 Adjusted Origination Charge Details Origination Charge MORTGAGE BROKER FEE 2,675.00 to PREMIER FUNDING, INC. Total $ 2,675.00 Origination Credit/Charge(points)for the specific Interest rate chosen Credit/Charge -2,324,50 to STEARNS LENDING, LLC Total $ -2,324.50 Adjusted Origination Charges $ 350.50 Reserves Deposited with Lender Homeowner's Insurance 49.42 1.000 at 49.42 per month COUNTY/TOWNSHIP TAXES 32.51 1.000 at 32.51 per month SCHOOL TAXES , 975.50 .10:000 at 97.55 per month AGGREGATE ADJUSTMENT -66.32 Total $ 991.11 Title Services.and Lender's Title Insurance Details BORROWER SELLER CPL Fee 125.00 to FIRST AMERICAN TITLE INSURANCE CO, Email Document Retrieval 50.00 to PURITY ABSTRACT COMPANY Notary Fee 30.00 to Notary Clerk Overnight Fee/Package 17.00 to PURITY ABSTRACT COMPANY Lender's title insurance 1,234.00 to FIRST AMERICAN TITLE INS. CO. 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. (MARSHALL1 9.PFD/R15-103143) HUD-1 Attachment- Cpminvvu ° Total $ 1,456.00 u 0.00 Owner's Title Insurance BORROWER SELLER Owner's Policy Premium 11.00 to FIRST AMERICAN TITLE INS.CO. Total $ 11.00 Lender's Title Insurance gommOxvER SELLER *fees also shown above In Title Services and Lender's Title Insurance Details Lender's Policy Premium 1.034.00 to FIRST AMERICAN TITLE INS.CO. Lender's Endorsement Charges 200.00 Endorsement Endorsement Charge ENHANCED,POLICY ENDORSEMENTS 300.00 Total $ 1,234.00 $ 0.00 vAnwwa It Is a crime to knowingly make false statements to the United States""this or any similar form. Penalties upon conActk""can Include°fine and Imprisonment. For details see: Title,vvu.Code Section,vmand Section 1mu (MARSHALL.19.PFme15'103/43) Estate of Kathryn E. McBride File# 21-14-00874 Costs of sale of residence at 19 Stephens Road Remax Realty Professionals and Century Sales commission $6,777.00 21 Realty Services Recorder of Deeds Realty transfer tax $1,095.00 Penn Pest Control Remove bees $127.20 Kenneth Moore Repairs to house $410.00 Donna Helman Miscellaneous repairs, $1,316.62 painting, and cleaning of house Brad Eyler Replacement/repair of $2,000.00 furnace Purity Abstract Company Tax certification and $42.00 notary fees $11,767.82 Estate of Kathryn E. McBride File# 21-14-00874 Expenses incurred to maintain real estate at 19 Stephens Road PPL Electric bill $122.66 UGI Fuel bill $165.15 PA Water Water bill $164.12 East Pennsboro Township Sewer and refuse bill $233.70 $685.63