HomeMy WebLinkAbout07-22-15 (3) � pennsyivania 15 0 5 618 6 2 7 3M464710 000
�EPARRAENT pF REVENUE EX�O3-�4J�TP�
REV-1500 OFFICIAL USE ONLY
County Code Year File Number
Bureau of individuai Taxes INHERITANCE TAX RETURN �]� 14 �71�
PO BOX 280601
Harrisburg,PA 17128-0601 RESIDENT DECEDENT
ENTER DECEDENT INFORMATION BELOW
Social Security Number D8t2 Of Death MMDDYYYY DBte Of Bifth MMDDYYYY
07132014 09141921
DecedenYs Last Name Suffix Decedent's f=irst Name MI
LOSCHER FLORENCE B
(If Applicable) Enter Surviving Spouse's Information Below
Spouse's Last Name Suffix Spouse's f=irst Name MI
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
❑ priorto 12-13-82)
4. Agriculture Exemption(date of � 5. Future Interest Compromise(date of �� 6. Federal Estate Tax Return Required
death on or after 7-1-2012) death after 12-12-82)
� 7. Decedent Died Testate � 8. Decedent Maintained a Living Trust ti_ 9. Total Number of Safe Deposit Boxes
(Attach copy of will.) (Attach copy of trust.)
� 10. Litigation Proceeds Received � 11. Non-Probate Transferee Return �_� 12. Deferral/Election of Spousal Trusts
(Schedule F and G Assets Only)
� 13. Business Assets � 14. Spouse is Sole Beneficiary
(No trust involved)
CORRESPONDENT- THIS SECTION MUST BE COMPLETED.ALL CORRESPONDENCE AND CONFIDENTIAL TAX INFORMATION SHOULD BE DIRECTED TO:
Name Uaytime Telephone Number
KEITH 0 • BRENNEMAN 717-697-8528
First Line of Address
44 WEST MAIN STREET
Second Line of Address
City or Post Office State ZIP Code
MECHANICSBURG PA 17055
CorrespondenYs email address:
�v
REGISTE�F WILLS US�ILY �
REGISTER OF WILLS USE ONLY � � � ,`-�-�j p
DATE FILED MMDDYYYY C� -� --
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DAFE FILED'�jTA� ,.. "r7
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PLEASE USE ORIGINAL FORM ONLY �
Side 1
I IIII'I IIIII IIIII III'I IIII�III'I II'll IIIII IIII�IIIII I'll II'I '
� 1505618627 1505618627 J ,
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� 1505618635
REV-1500 EX(TP)
DecedenYs Social Security Number
�ecedent'sName:LOSCHER FLORENCE B
RECAPITULATION
1. Reai Estate(Schedule A) . . . . . . . . . • • � • . • • • • • • • • • • • • • • � 16 6,0 8 7 • 2 7
2. Stocks and Bonds(Schedule B) . . . . . . . . . . . . . . . . . . . . . . . . . 2. 14 9,9 31 • 3 8
3. Closeiy Held Corporation,Partnership or Sole-Proprietorship(Schedule C), , _ , , 3, Q • ��
4. Mortgages and Notes Receivabie(Schedule D), , , , , , , , , , , , , , , , , , 4. � -Q�
5. Cash, Bank Deposits and Miscellaneous Personal Property(Schedule E), , , , , , 5. 4 2,6 9], • 8�
6. Jointly Owned Property(Schedule F) � Separate Billing Requested. . . . . 6. � •��
7. Inter-Vivos Transfers&Miscellaneous Non-Probate Property
(Schedule G) � Separate Billing Requested. . . . . 7. 2 8,818 -8 7
8. Total Gross Assets(total Lines 1 through 7) . . . . . . . . . . . . . . . . . . 8. 3 8 7,5 2 9 • 3 9
9. Funeral Expenses and Administrative Costs(Schedule H). . . . . . . . . . . . . 9. �3,16? •5 4
10. Debts of Decedent, Mortgage Liabilities and Liens(Schedule I). , , . . . . . . , �0. 4 ,2 9 3 • 8 6
11. Total Deductions(total Lines 9 and 10). . . . . . . . . . . . . . . . . . . . . 11. �7,4 61 • 4 0
12. Net Value of Estate(Line 8 minus Line 11) . . . . . . . . . . . . . . . . . . . 12. 3],�,�6 7 •9 9
13. Charitable and Governmental BequestslSec.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. 3],��Q 6 7 •9 9
TAX CALCULATION -SEE INSTRUCTIONS FOR APPLICABLE RATES
15. Amount of Line 14 taxable
at the spousal tax rate,or
transfers urlder Sec.9116
(a)(1.2)X.0� � • �� 15. � • ��
16. Amount of Line 14�xable
atiinealrafeX.04 31D,�67 • 99 16. 13,953 -06
17. Amount of Line 14 taxable
at sibling rate X.12 ❑ • �� 17. � • �❑
18. Amount of Line 14 taxable
at collateral rate X.15 � • �� �8� � • ��
19. TAXDUE . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 19. 13,953 • �6
20. FILL IN THE BOX IF YOU ARE REQUESTING A REFUND OF AN OVERPAYMENT �
Under penalties of pery'ury,I declare that I have examined this retum,including accompanying schedules and siatements,and to the best of my knowledge and belief,
it is true, correct and complete. Declaration of preparer other than the person responsible for fiiling the return is based on all information of which preparer has
any kno
SIGNA RE O PERSON RES SIBL OR FILING RETURN f D TE
�� • ' '7l1��2a1�
ADDRESS
EDWARD A • LOSCHER, EXECUTOR 39 GREENSPRING DRIVE, MECHANICSBURG
SIGNl�TUR, E OF PREPARER OTHER THAN PERSON RESPONSIBLE FOR FILING THE RETURN 7 p��� PA 17050
l!/�..,
% �
ADDRESS
KEITH 0 • BRENNEMAN, ESQUIRE 44 WEST f1AIN STREET, MECHANICSBURG,
i iiiiii iiiii iiiii i iiI i iI iiii�iiiii i�ii iiiii iiiii iiii iiii Side 2
� �5�56 86 5 ],505618635 J
3M464810.000
REV-1500 EX(TP) Page 3
File Number
DecedenYs Complete Address: 21 14 0 7�,0
DECEDENTS NAME
LOSCHER FLORENCE ___B_
STREET ADDRESS
4 MECHANICSBURG BOROUGH
CUMBERLAND
cirr srnT� ziP
MECHANICSBURG PA 17055
Tax Payments and Credits:
1. Tax Due(Page 2,�ine 19) (�) 13,9 5 3 • 0 6
2. Credits/Payments
A. Prior Payments 12,0�0 • 0 0
B.Discount 6 0 0 • D 0
(See instructions.) Total Credits(A+B) (2) 12�6�� • ��
3. Interest
��) � • ��
4. If Line 2 is greater than Line 1 +Line 3,enter the difference.This is the OVERPAYMENT.
Fill in oval on Page 2,Line 20 to request a refund. (4) � • �0
5. If Line 1 + Line 3 is greater than Line 2,enter the difference.This is the TAX DUE. (5) 1,3 5 3 • �6
Make check payable to: REGISTER OF WILLS, AGENT.
PLEASE ANSWER THE FOLLOWING QUESTIONS BY PLACING AN "X" IN TME 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 . . . . . . . . . . . . . . ❑ 0
c. retain a reversionary interest . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . ❑ ❑X
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? . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . ❑ ❑X
3. Did decedent own an"in trust for"or payable-upon-death bank account or security at his or her death? . . . . . X❑ ❑
4. Did decedent own an individual retirement account,annuity,or other non-probate property,which
contains a beneficiary designation? . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0 ❑
IF THE ANSWER TO ANY OF THE ABOVE QUESTIONS IS YES, YOU MUST COMPLETE SCHEDULE G AND FILE IT AS PART OF THE RETURN.
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.§91 16(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 step-parent of the child is 0 percent[72 P.S.�9116(a)(12)].
• 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 decedenYs siblings is 12 percent (72 P.S.§9116(a)(1.3)j. 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.
3M4671 4.000
REV-1502EX��,z.,2, SCHEDULE A
pennsylvania
DEPARTMENT OF REVENUE
INHERITANCE TAX RETURN REAL ESTATE
RESIDENTDECEDENT
ESTATE OF: FILE NUMBER:
Florence B. Loscher __ 21 14 0710
All real property owned solely or as a tenant in common must be repoRed at fair market value.Fair market value is defined as the price at which propeAy
would be exchanged between a willing buyer and a willing seller,neither being compelled to buy or sell,both having reasonable knowledge of the relevant facts.
Real property that is jointlyowned 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 decedenfs interest if owned as tenant in common. VALUE AT DATE
NUMBER DESCRIPTION OF DEATH
1. Property known and numbered as 166,087.27
401 East Marble Street, Mechanicsburg Borough,
Cumberland County, Mechanicsburg, PA 17055, sale value
(see attached settlement sheet)
TOTAL (Also enter on Line 1,Recapitulation.) 5 166,087.27
zwasss z o0o If more space is needed,use additional sheets of paper of the same size.
��r,.'*.�fi'I��I�"'Il'Y17" !'
REV-1503 EX+(&12)
pennsylvania SCHEDULE B
DEPARTMENT OF REVENUE
INHERITANCETAX RETURN STOCKS & BONDS
RESIDENT DECEDENT
ESTATE OF FILE NUMBER
Florence B. Loscher 21 14 0710
All property jointly owned with right of survivorship must be disclosed on Schedule F.
ITEM VALUE AT DATE
NUMBER DESCRIPTION OF DEATH
1. Alcatel-Lucent 10.36
4 shares of common stock valued at $2.59 per share
2 AT&T, Inc 1,788.00
50 shares of common stock valued at $35.76 per share
3 BP, plc 1,239.36
24 shares of common stock valued at $51.64 per share
4 PNC Bank, N.A. 142,138.50
investment account #001-583472
5 Prudential Financial, Inc. 4,755.16
53 shares of common stock valued at $89.72 per share
TOTAL (Also enter on Line 2,Recapitulation) $ 149,931.38
Zwasss 2.00o If more space is needed,insert additional sheets of the same size
_�, ,�� �� ■.,,�,. ,
REV-7508 EX+(0&12)
pennsylvania SCHEDULE E
DEPARTMENTOF REVENUE CASH, BANK DEPOSITS 8 MISC.
INHERITANCE TAX RETURN
RESIDENTDECEDENT PERSONAL PROPERTY
ESTATE OF: FILE NUMBER:
Florence B. Loscher 21 14 0710
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
1. Household goods and personal property 1,545.43
sold at public auction (net proceeds)
2 OmniCare, Inc. 0.09
refund due the decedent
3 PA Department of Revenue 250.00
property tax rebate check
4 Pinnacle Health 20.00
refund due the decedent for overpayemnt on medical
expenses
5 PNC Bank, N.A. 12,000.06
certificate of deposit, account #31100263032
6 PNC Bank, N.A. 14,813.83
checking, account #5070083721
7 PNC Bank, N.A. 5,000.10
savings, account #5003533999
8 Prudential Insurance Company of America 9,062.36
beneficiary checking account #1000156799
TOTAL(Also enter on line 5,Recapitulation) $ 42,691.67
2wasno 2.000 If more space is needed,use additional sheets of paper of the same size.
REV-1510 EX+(08-09) SCHEDULE G
pennsylvania
DEPARTMENTOFREVENUE INTER-VIVOS TRANSFERS AND
INHERITANCE TAX RETURN MISC. NON-PROBATE PROPERTY
RESIDEM DECEDENT
ESTATE OF FILE NUMBER
Florence B. Loscher ____21 14 0710
This schedule must be completed and filed if the answer to any of questions 1 through 4 on page three of the REV-1500 is yes.
DESCRIPTION OF PROPERTY o EXCLUSION TAXABLE
ITEM INCLLAETFE WIMEOF TFETRMISFEREE,THEIR RELATIONSHIP TO DECEDENT AND DATE OF DEATH /o OF DECD�S
NUMBE TFEDATEOFTRMSFER.AITACHACAPYOFTHEDEEDFORREALESTATE VALUEOFASSET INTEREST ___ iFnPPucne�E VALUE
� PNC Bank, N.A. 17,564.90 100.0000 0.00 17,564. 90
IRA account #097-265420.
Transferred 8/19/2014 to the
designated beneficiaries which
were decedent's children, Susan
C. Luzzi and Edward A. Loscher
in equal shares.
2 Thrivent Financial for
Lutherans 6,925.04 100.0000 0.00 6,925.04
high yield fund, account #73-
40019141. Transfer on death to
decedent's children, Susan C.
Luzzi and Edward A. Loscher, in
equal shares
3 Thrivent Financial for
Lutherans 4,328.93 100.0000 0.00 4,328.93
annuity, account #4988980.
Designated beneficiaries were
the decedent's children, Susan
C. Luzzi and Edward A. Loscher,
in equal shares
TOTAL(Also enter on line 7,Recapitulation)$
28,818.87
If more space is needed,use additional sheets of paper of the same size.
9W46AF 2.000
REV-1511 EX+,o&,3> SCHEDULE H
pennsylvania
DEPARTMENTOF REVENUE FUNERAL EXPENSES AND
INHERITANCETAXRETURN ADMINISTRATIVE COSTS
RESIDENT DECEDENT
ESTATE OF FILE NUMBER
Florence B Loscher _______21 14 0710
DecedenYs debts must be reported on Schedule I.
ITEM
NUMBER DESCRIPTION _ _ AMOUNT
A. FUNERAL EXPENSES:
� Edward Loscher
reimburse for grave opening 1,200.00
Total from continuation schedules . . . . . . . . . 12,093.00
B. ADMINISTRATIVE COSTS:
1. Personal Representative Commissions: 17,900.00
Name(s)of Personal Representative(s)Edward A. Loscher ______.
Street Address 39 Greensprinq Drive ____
City Mechanicsbur� State PA ZIP 17050 _
Year(s)Commission Paid: __—_
2. AttorneyFees: Law Office of Keith 0. Brenneman, P.C. (Estimated) 1,000.00
3. Family Exemption: (If decedenYs address is not the same as claimanYs,attach explanation.)
Claimant __—_.____
Street Address —__.—__
��ty State ZIP _____
Relationship of Claimant to Decedent ____.—._
4. Probate Fees: 4 4 3.5 0
5. Accountant Fees: 463.00
6. Tax Return Preparer Fees:
7.
1 Approved Code Services
cost of permit and electrical inspection required to
sale property 100.00
Total from continuation schedules . . . . . . . . . 39,968.04
TOTAL(Also enter on Line 9,Recapitulation) $ 73 167.54
3W46AG 2.000 If more space is needed, use additional sheets of paper of the same size.
Estate of: Florence B. Loscher 21 14 0710
Schedule H Part 1 (Page 2)
Item
No. Description Amount
2 Malpezzi Funeral Home, Inc.
funeral services 12,093.00
Total (Carry forward to main schedule) 12,093.00
Estate of: Florence B. Loscher 21 14 0710
Schedule H Part 7 (Page 2)
2 Bob Becker
lawn care services from 08/2014 to 11/23/14 535.00
3 Borough of Mechanicsburg
sewer/trash service from 10/1/2014 to sale of
property 252.00
4 Central Penn Radon, Inc.
cost of radon remediation required to sale property 785.00
5 Comcast
cable TV service 108.24
6 Conservative Environmental Services
asbestos removal fee 3,999.00
7 Crystal Tubbs Cleaning Services
house cleaning fee 200.00
8 Cumberland Law Journal
advertising costs for Executor's Notice 75.00
9 Dan White Plumbing
plumbing repairs 547.25
10 Edward Loscher
reimbursement for plumbing repair 162.00
11 Ehrlich Exterminators
termite treatment and annual termite warranty fee 928•89
12 Greenfield Concrete Lifting
concrete repair required to stop water leakage in
basement 600.00
13 Member's lst Federal Credit Union
service fee for temporary checks 2.00
14 Microbac Labs
testing cost to determine asbestos content in floor
tile 260.00
15 Moving Maniacs
costs to move household items to storage unit for
asbestos removal 305.00
16 PPL Electric
electric service from 8/16/14 to sale date of
property 718. 68
Total (Carry forward to main schedule) 9,478.06
Estate of: Florence B. Loscher 21 14 0710
Schedule H Part 7 (Page 3)
17 Renard Electric
electrical repairs required to sale property 1,826.30
18 Repairs to real estate to prepare it for sale
a. Lowes, new carpet $3,354.04
b. Home Depot, miscellaneous supplies & new
bathroom vanity $639.71
c. Jim Drinks Painting - $3,611.05
d. Sherwin Williams - $47.33 7,652.13
19 Scott Clayton
snow removal services from 1/9/15 to 2/27/15 305.00
20 Settlement charges related to sale of property on
East Marble
as follows:
a. ReMax lst Advantage, realtors commission
$10,395.00
b. Tax Certification $10.00
c. Notary fee $10.00
d. County transfer taxes $1,650.00
e. Prorated sewer/trash $126.00
f. Prorated real estate taxes $848.74
g. Home warranty $594.98 13,634.72
21 Skip's Hauling
trash removal from real estate 800.00
22 Snelbaker & Brenneman, P.C.
attorney fees from 7/13/14 to 7/13/2015 2,700.00
23 The Sentinel
advertising costs for Executor's Notice 222.40
24 UGI Utilities
gas service from 8/16/14 to sale date of property 688.19
25 Uncle Bob's Storage
rental unit to store household goods for asbestos
removal and until disposition at public auction 1,504.98
26 United Water of Pennsylvania
water service from 11/19/2014 to sale date of
property 156.26
Total (Carry forward to main schedule) 29,489. 98
Estate of: Florence B. Loscher 21 14 0710
Schedule H Part 7 (Page 4)
27 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) 1,000.00
REV-1512EX+„z_,Z, SCHEDULE I
pennsylvania
DEPARTMErfTOF REVENUE DEBTS OF DECEDENT,
INHERITANCETAXRETURN MORTGAGE LIABILITIES & LIENS
RESIDENT DECEDENT =___
ESTATE OF FILE NUMBER
Florence B. Loscher __21 14 0710
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
�� AT&T
phone service 6/14/14 - 7/13/14 13.98
2 Barry Heckard. Tax Collector
real estate taxes 1,795.16
3 Bob Becker
lawn mowing services for July 2014 140.00
4 Borough of Mechanicsburg
sewer/trash 7/1/14 - 9/30/14 131.00
5 Comcast
cable TV service July 2014 89•22
6 Messiah Lifeways
Life Line Emergnecy Call service 51.08
7 Neighborcare KOP IV
pharmacy copday during stay at assisted living facility 36.02
8 Pennsylvania Department of Revenue
tax due on final indviidual income tax return 848.00
9 Pinnacle Health
medical expenses 17.37
10 UCPA Urology
medical expenses 7'74
11 Verizon
phone service 14.99
12 Vibra Life Rehabilitation Center
assisted living facility through 7/13/14 1,149.30
TOTAL(Also enter on Line 10,Recapitulation) $ 4 293.86
zwasnH 2 00o If more space is needed, insert additional sheets of the same size.
REV-1513EX+(01-10) SCHEDULE J
pennsylvania
DEPARTMEhlTOF REVENUE BENEFICIARIES
INHERITANCE TAX RETURN
RESIDENT DECEDENT
ESTATE OF: FILE NUMBER:
Florence B. Loscher ____ 21 14 0710
RELATIONSHIF'TO DECEDENT AMOUNT OR SHARE
NUMBER NAME AND ADDRESS OF PERSON(S)RECEIVING PROPERTY Do Not List Trustee(s) OF ESTATE
I TAXABLE DISTRIBUTIONS(Include outrighl spousal distributions and transfers under
Sec.9116(a)(1.2).]
i. Edward A. Loscher
39 Greenspring Drive
Mechanicsburg, PA 17050
One Half of Residue: 155,033.99 Son 155,033.99
2 Susan C. Luzzi
6180 Farm Road
Las Vegas, NV 89131
One Half of Residue: 155,033.99 Daughter 155,033.99
EMER DOLLAR AMOUNTS FOR DISTRIBU710NS SHOWN ABOVE ON LINES 151}iROUGH 18 OF REV-1500 COVE:R SHEET,AS APPROPRIATE.
II 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. $ O.00
swasni z.000 If more space is needed, use additional sheets of paper of the same si-r.e.
rP�,�E,,.�h OMB Approval No.2502-0265
=oa`����*'_� A. Settlement Statement (HUD-1)
`�e'�N oxJE��
B. Type of Loan
1.Q FHA 2.Q RHS 3.QX Conv.Unins. 6. File Number: 7. Loan Number: 8. Mortgage Insurance Case Number
4.�VA 5.Q Conv.Ins. DAL63-15 6800625272
C. Note: This form is furnished to give you a statement of acfual settlement cosfs. Amounts peid 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 Seller: F. Name and Address of Lender:
CHR�STOPHER J.DALY ESTATE OF FLORENCE B.IOSCHER MEMBERS 1ST FEDERAL CREDIT
511 ALLISON AVENUE 401 EAST MARBLE STREET UNION
MECHANICSBURG,PA 17055 MECHANICSBURG,PA 17055 5000 LOUISE DR.
MECHANICSBURG,PA 17055
G. Property Locaiion: H. SerilementAgent: I. Setllemenl Date:
401 E.MARBLE STREET ANDREW C.SHEELY,ESQ.
MECHANICSBURG,PA 17055 127 SOUTH MARKET STREET April 17,2015
CUMBERLAND Counry,Pennsylvania MECHANICSBURG,PA 17055 Ph. (717)697-7050
Place of Settlemenl:
127 SOUTH MARKET STREET
MECHANICSBURG,PA 17055
J. Summary of Borrowers transaction K. Summary of Sellers transaction
100. Gross Amount Due from Borrower: 400. Gross Amount Due to Seller:
101. Conlract sales rice 165,000.00 401. Contract sales rice 165,000.00
102. Personal ro er 402. Personal ro ert
103. Serilement Char es to Borrower Line 1400 6,821.45 403.
104. 404.
105. 405.
Ad'ustments for items aid b Seller in advance Ad'ustments for items aId b Seiler in advance
106. Cit/Town Taxes l0 406. Cit ffown Taxes to
107. Coun Taxes 04/17/15 to 01/01/16 614.55 407. Coun Taxes 04/17/15 l0 01/01/16 614.55
108. SCHOOLTAXES 04/17/15 to 07/01/15 368.87 408. SCHOOLTAXES 04/17/15 to 07I01/15 368.87
109. SEWER/TRASH APRIL-JUNE 04/17/15 to 07101/15 103.85 409. SEWER/TRASH APRIL-JUNE 04/17/15 to 07/01/15 103.85
110. 410.
111. 411.
112. 412.
120. Gross Amount Due from Bortower 172,908.72 420.Gross Amount Due to Seller 166,087.27
200. Amounts Paid b or in Behalf of BoRower 500. Reductions in Amount Due Seller:
201. De osit or earnest mone 1,000.00 501. Excess de osit see instructions
202. Princi al amounl of new loan s 80,000.00 502. Settlement char es to Selier Line 1400 13,634.72
203. Existin loan s taken sub'ect to 503. Existin loan s taken sub'ect to
Z� 504. Payoff First Mortgage
205. 505. Pa off Second Mort a e
206. 506.
207 507. De osit disb.as roceeds
Zpg 508.
209. 509.
Ad'ustments for items un aid b Seller Ad ustments for items un aid b Seller
210. Ci /Town Taxes to 510. Cit lfown Taxes �o
211. Coun Taxes to 511. Coun Taxes 10
212. SCHOOI TAXES to 512. SCHOOL TAXES to
213. 513.
2�4 514.
215. 515.
216. 516.
217. 517.
z.18 518.
219 519.
220. Total Paid b Ifor Borrower 81,000.00 520. Total Reduction Amount Due Seller 13,634.72
300. Cash at Settlement fromlto Borrower 600. Cash at settlement to/from Seller
301. Gross amounl due from Borrower line 120 172,908.72 601. Gross amount due to Seller line 420 166,087.27
302. Less amount aid h/for Borrower(line 220) ( 81,000.00) 602. Less reductions due Seller(line 520) ( 13,634.7
303. Cash X❑From � To Borrower 91,908.72 603. Cash X❑To � From Seller 152,452.55
'Paid outsitle of Uosin9 Dy borfower(B),seller(S),lantlef(L).or Mird-perly(T)
The undersigned hereby acl no�ledge receipt of a compl d copy of this statement&any attachments referred to herein
Borrower � � � Selier ES �F�OF FLORENC LOSCHER
C STOPHER .DALY �� ���(& �,,,s,,,�,,.;�
BY:�
TO THE BEST OF MY KNOWLEDGE,THE HUD-1 SETTLEMENT STATEMENT WHICH I HAVE PR[PARED IS ATR ANDACCURATE A OUN FTHE FUNDS
WHICH WERE RECEIVED AND HAVE BEEN OR WILL BE DISBURSED BY THE UNDERSIGNED AS PART OF T ETTLEMENT T T S CTION.
��,/(°� �
SETTLEMENT OFFICER,Selllemen Agent
WARNING: IT ISA CRIME�TO KNOWINGLY MAKE FALSE STATEMENTS TO THE UNITED STATES ON THIS ORANY SIMILAR FORM. PENALTIES UPON
CONVICTION CAN INCLUDE A FINE AND INPRISONMENT. FOR DETAILS SEE: TITLE 18 U.S.CODE SECTION 1001&SECTION 1010.
�t.Sett:Pment Char es
700.Total Real EBtete Broker Fe6s $10,395.00 Paid From Paid From
� Division ofcommission(line 700)as follows: eorrowers Seliers
7U1.$ 10,395.00 lo RE/MAX 1ST ADVANTAGE Funds at Funds al
Settlement SetOement
702.$ to
703.Commission aid al settlement 10 395.00
704.COMMISSION to RElMAX 1STADVANTAGE,INC. 495.00
705.
800.Items Payable In Connectfon with Loan
801.Our ori ination char e $ 645.00 from GFE#1
802.Your credit or char e oints for the s eciflc interest rete chosen from GFE#2
803.Your ad'usted ori ination char es from GFE#A 645.00
804.A raisal tee to MEMBERS 1ST FEDERAL CREDIT UNION from GFE#3 POCB 425.00
805.Credit Re ort to from GFE#3
806.Tax service to from GFE#3
807.Flood cerlification lo MEMBERS 1 ST FEDERAL CREDIT UNION from GFE#3 12.50
808 from GFE#3
809. _�f_o_m GFE#3
810. trom GFE#3
8» (from GFE#3)
900.Items Required by Lender to Be Paid in Advance
901.Dail interest char es from 04/17/15 to 05/01/15 14 $6.849320/da frorn GFE#10 95.89
902.Mortgage insurance premium for months to (from GFE#3)
903.Homeowner's insurance for 1.0 years to PENN NATIONAL INSURANCE (from C�FE#11) 418.00
904. (from GFE#11)
905. (from GFE#11)
1000.Reserves Deposited with Lender
1001.Initial deposit for your escrow account (from GFE#9) 1,538.56
1002.Homeowner's insurance 3.000 months @ $ 34.63 per month $ 104.49
1003.Mort a e insurance months $ er month $
1004.Pro e taxes $
SCHOOL TAXES months $ er month
Counry Taxes months @ $ per month
1005.
1006. COUNTYlTOWNSHIPTAXES 3.000 months @ $ 72.17 per month $ 216.51
1007.SCHOOLTAXES 11.000 months @ $ 149.60 per month $ 1,645.60
1008. �
1009.AGGREGATE ESCROW ADJUSTMEI $ -428.04
1100.TItla Charges'
1101. Title services and Iender's title insurance (from GFE#4) 1,530.75
1102. Settlement or closin fee $
1103. Owner's liHe insurance to (from GFE#5) 24375
1104. Lender's title insurance to $ 437.50 END.100,300,8.1
1105. Lender's tille policy limit $ 50,000.00 5011342-0167948e
1106. Owner's title policy limit $ 165,000.00 5011442-0143539e
1107. Agenl's portion ot the total title insurance premium to TRI-COUNTYABSTRACT SERV�CE $ 681.25
1108. Underwriter's portion of the total title insurance premium $
1109. $
1110. REIMBURSEMENT FOR TAX CERT to TRI-COUNTY ABSTRACT SERVICE $ 10.00
1111. NOTARY FEE to CASH $ 10.00
1112. $
1113. $
1200.Govemment Recording and Transfer Charges
1201.Government recordin char es to CUMBERIAND Recorder's Office from GFE#7 192.00
1202.Deed $ 79.00 Mort a e $ 113.00 Releases $ Other $
1203.Transfer taxes to RECORDER OF DEEDS (from GFE#8) 1,650.00
1204.Cit/Coun tax/stam s $ 1,650.00 $ 1,650.00
1205.Statetau/slam s $ 1,650.00 $
1206.
1207.
1300.Additional Settlement Charges
1301.Required services that you can shop for (from GFE#&)
1302. SEWERlTRASHAPRIL-JUNE lo MECHANICSBURG BOROUGH $ 126.00
1303. 2015 COUNTY/TWP TAXES to BARRY L.HECKARD,TAX COLLECTOF $ 17-24-0789-021 848.74
1304. HOME WARRANTY to AMERICAN HOME SHIELD-AHS $ CONT#163852312 594.98
1305. $
1400.Total Settlement Charges(enter on lines 103,Section J and 602,Section K) 6,821.45 13,634.72
'PaiC outside ofGosing Cy borrowar(B),seller(S),lentler(L),orthird-parry�T)
By signing page 1 of Ihis stetamenl,the si9natorias acknowledge receipt of a compleletl copy o/pege 2 8�oi Nis Ihr p- e statement. �
l:�t�,i�
SETT EM NT OFFICER,Settlement ent
CERTIFIED,TRUEAND CORRECT
Compan:on of Good Faith Estlmate(GFE)and HUD-1 Charges Good Faith Estimate HUD-1
C:�arges That Cannot Increase HUD-1 Line Number
C�ur origination charge # 801 645.00 645.00
Your credit or charge(points)for the specific rate chosen # 802 0.00 0.00
Your adjusted origination charges # 803 645.00 645.00
Transferlaxes #1203 1,650.00 1,650.00
Charges That in Total Cannot Increase Mo�e than 70% Good Faith Estimate HUD-1
Government recording charges #1201 238.00 192.00
Homeowner's insurance # 903 0.00 418.00
Appraisal fee
# 804 425.00 425.00
Flood certificalion # 807 12.50 12.50
Total 675.50 1,047.50
Increase between GFE and HUD-1 Charges $ 372.00 or 55.07%
Charges That Can Change Good Faith Estimate HUD-1
Initial deposit for your escrow account #'1001 3,661.'10 1,538.56
Daity interest charges # 901 $ 6 849320/day 102J4 95.69
Title services and lender's titie insurance #110'I 1,517.50 1,530.75
Owner's title insurance to #1103 407.50 243.75
Loan Terms
Your initlal loan amount is $80,000.00
Your loan term is 15.00 years
Your initiai interest rate is 3.1250%
Your initial monthly amount owed for principal,interest and $557.29 includes
any moRgage insurance is Q Principal
O Interest
� Mortgage Insurance
Can your interest rate rise? QX No � Yes,it can rise to a maximum of %. The first
change will be on and can change again every_months after
Every change date,yourinlerestrate canincrease ordecrease
by °/. Over the life of the loan,your inlerest rate is guaranteed
to never be lower than %a or higher than %.
Even if you make payments on time,can your loan balance risel QX No � Yes,it can rise to a maximum of$
Even if you make payments on time,can your monthiy �X No � Yes,the first increase can be on and the monlhly
amount owed for principal,interest,and mortgage insurance rise7 amount owed can rise to$
The maximum it can ever rise to is$
Does your Ioan have a prepayment penalty? QX No � Yes,your maximum prepayment penalty is$
Does your loan have a balloon payment7 QX No � Yes,you have a balloon payment oi$
due in_years on
Total monthly amount owed including escrow account payments ❑ You do not have a monthly escrow payment for items,such as property
taxes and homeowner's insurance. You must pay lhese items directly
yourself.
�X You have an additional monthly escrow paymenl of$256.60 that resulfs
in a total initial monthly amount owed of$813.89. This includes
principal,interest,any mortgage insurance and any items checked below:
XQ Property taxes QX Homeowner's insurance
� Floodinsurance ❑
❑ ❑
Note: If you have any questions about lhe Settlement Charges and Loan Terms listed on this iorm,please contact your lender.
...:�,w.xi-i�ir....n..riy.. x
HUD-1 Attachment
Borrower(s):CHRISTOPHER J. DALY SelleKs): ESTATE OF FLORENCE B. LOSCHER
511 ALLISON AVENUE 401 EAST MARBLE STREET
MECHANICSBURG, PA 17055 MECHANICSBURG, PA 17055
Lender:MEMBERS 1ST FEDERAL CREDIT UNION
Settlement Agent:ANDREW C.SHEELY, ESQ.
(717)697-7050
Place of Settlement:127 SOUTH MARKET STREET
MECHANICSBURG, PA 17055
Settlement Date:April 17,2015
Property Loca6on:401 E.MARBLE STREET
MECHANICSBURG, PA 17055
CUMBERLAND County, Pennsylvania
Additional Adjustments For Ibems Paid By Seller In Advance(Borrower Debit)
Description Amount FromlThrouah Prorated Amount
SEWER/TRASHAPRIL-JUNE 126.00 04/01/15 through06130/15 103.85
Total Line 109/409 103.85
Adjusted Origination Charge Details
Origination Charge
ORIGINATION FEE 645.00
to MEMBERS 1ST FEDERALCREDIT UNION
Total $ 645.00
Origination CrediUCharge(points)for the specific interest rate chosen
Total $
Adjusted Origination Charges $ 645.00
Reserves Deposited with Lender
Homeowner's Insurance 104.49
3.000 at 34.83 per month 216.51
COUNTY/TOWNSHIP TAXES
3.000 at 72.17 per month 1,645.60
SCHOOLTAXES
11.000 at 149.60 per month
AGGREGATE ESCROW ADJUSTMENT -428.04
Total $ 1,538.56
Title Services and Lender's Title Insurance Details BORRowER SELLER
INSURED CLOSING LETTER CPL 125.00
tp FIRST AMERICAN TITLE INSURANCE
ELECTRONIC DOCUMENT DELIVERY 25.00
to TRI-COUNTY ABSTRACT SERVICE
OVERNIGHT FEES 14.50
to TRI-COUNTY ABSTRACT SERVICE
NOTARY FEES 15.00
to CASH
INCOMING WIRE FEE 20.00
to ANDREW C.SHEELY, ESQ.
WARNING: It is a crime to knowingly make false statements to the United Stat6s on this or any similarform. Penalties upon conviction ca�
Include a fine and imprisonment. For details aee: Title 18 U.S.Code Section 1001 and Section 1010,
,,,,n, r ir u rr� R
HUD-1 Attachment- Continued
SEARCH&HUD PREP 200.00
to TRI-COUNTY ABSTRACT SERVICE
ATTORNEY FEE 693.75
to ANDREW C.SHEELY, ESQ.
Lender's title insurance END.100,300,8.1 437.50
to
Total $ 1,530.75 $ 0.00
Owner's Title insurance BORROWER SELLER
Owner's Policy Premium 243.75
to
Total $ 243:75 $ 0.00
Lender's Title Insurance BORROWER SELLER
`fees also shown above in Titie Services and Lenders Title Insurence Details
Lender's Policy Premium 287.50
to
Lender's Endorsement Charges 150.00
Endorsement Endorsement Charge
ALTA Endorsement Form 8.1 (Environmental Protection 50.00
Lien)
ALTA Endorsement Form 9(Restrictions, 50.00
Encroachments,Min.)
PA ENDORSEMENT 300 MTG.SURVEY EXCEPTION 50.00
Total $ 437.50 $ 0.00
WARNING: It is a crime to knowingly make false statements to the United States an this or any simtlar fortn. Penaltles upon conviction can
include a fine and imprisonment. For details see: Title 18 U.S.Code Section 1007 and Section 1010.
•�P l lf II"fl7 ,
LAST WILL AND TESTAMENT
I, FLORENCE B. LOSCHER, of the Borough of Mechanicsburg,
County of Cumberland and Commonwealth 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 Executor or Executrix, as the case
�� may be, hereinafter named, as sooi� as conveniently may be done
'�t
�' after my decease.
,1
\�'�' SECOND. All the rest, residue and remainder of my Estate,
`�� real, personal and mixed, whatsoever and wheresoever situated,
��
,�� I give, devise and bequeath unto my husband, ARTHUR P. LOSCHER,
�' absolutely and in fee simple, if he survives me by as many as
sixty (60) days.
�1�;�:
(,�� THIRD. If my husband, ARTHUR P. LOSCHER, does not survive
me by as many as sixty (60) days, then and in that event, I give,
devise and bequeath all the rest, residue and remainder of my
Estate, real, personal and mixed, whatsoever and wheresoever
situated in equal shares unto my two children, namely, SUSAN L.
LUZZI and EDWARD A. LOSCHER, share and share alike, absolutely
and in fee simple.
If either of my said children should predecease me and
leave lawful issue to survive me, I order and direct that the
foregoing share of any such de�ceased child shall be distributed
unto her or his lawful issue �>er stirpes by representation and
not per capita.
LAWOFFICES LASTLY. I nominate, consLitute and appoint my husband,
SNELBAKER. y, �>
ELIGKER � si�vER „ pRTHiIR P_ LOSCHER. t.� be thC: ���'f=Cut�r �f tllls I m3 Last W1.11 and
-:�:�n��-rn.._ir rrr� F
Testament, but if for any reason he should fail to qualify as
such Executor or cease so to serve, then and in that event, I
nominate, constitute and appoint my son, namely, EDWARD A.
LOSCHER, to be the Executor hereof. If both of the above named
persons should fail to qualify as my personal representative
hereunder or cease so to serve, then and in that event, I
nominate, constitute and appoint my daughter, namely, SUSAN L.
LUZZI, to be the Executrix of this, my Last Will and Testament,
each and all to serve without bond or other security as a
condition of qualification hereun�3er.
IN WITNESS WHEREOF, I, FLORENCE B. LOSCHER, have hereunto
set my hand and seal to this, my I�ast Will and Testament which
consists of two (2) typewritten pages to each of which I have
�%
affixed my signature this /t�:'��� day of �-;��_- E�`»��-� �- A.D. ,
�,_
One Thousand Nine Hundred Eighty-six (1986) .
, � �• .
�;2r�;� :_; �. ,.i _� ,�_�f.�_.:/ � �.- (SEAL)
The preceding instrument, consisting of this and one (1)
other typewritten page, each identified by the signature of the
Testatrix, was on the date tlzereof signed, sealed, published and
declared by FLORENCE B. LOSCHEF, the Testatrix therein named,
as and for her Last Will and Tesi:ament, in the presence of us,
who, at her request, in her presence, and in the presence of each
other, have subscribed our names as�wi s reto.
'
G.lrt.r. r��"2,�4-�+�"�L--^�
� S� f��'�,�
LAW OFFIGES
SNELBAKCR.
ELIGKER & SILVER
��
�ni i ir n rir ,
i
COMMONWEALTH OF PENNSYLVANIA )
. SS.
COUNTY OF CUMBERLAND )
We, FLORENCE B. LOSCHER, RICHARD C. SNELBAKER and JANET M.
FORRY, the Testatrix and the witnesses, respectively, whose names
are signed to the attached or fore�3oing instrument, beinq first
duly sworn, do hereby declare to tYie undersigned authority that
the Testatrix signed and executed the instrument as her Last Will
and Testament and that she had siqned willingly, and that she
executed it as her free and voluntary act for the purposes therein
expressed, and that each of the �aitnesses, in the presence and
hearing of the Testatrix, signed the Will as witness and that to
the best of his or her knowledge the Testatrix was at that time
eighteen years of age or older, of sound mind and under no
constraint or undue influence.
;,� _l: � •
� l�. �_.��_�i� v
—_=' _ " T x
�';;l.C.t< _,t ..(,'t.z!C,��t..�✓".
�—C, Witness
� �--��,,ti4 �C�� YI��_ _� �=L����
Witness
Subscribed, sworn to and acknow:Ledged before me by FLORENCE B.
LOSCHER, the Testatrix, and subscribed and sworn to before me by
,
�t
RICHARD C. SNELBAKER and JANET M. FORRY, witnesses, this �'G
day o f .�..-�%-��rr�f'�-�z,, 19 8 6.
`'� `� �,� ,�
� acCG�c�z �ur. �/��<-�u«,-�
Notary Public
C',i!d:r�{',;:..'..S:nr'[,U`�",liGTR[Y!�['�:4i,
Li.t:1;,E.siC£�UPi�uCi;O�CUM�nCitL.�i�te1 COl;SiTY
AiY G1Ei�Ai�.ilON EKM�![&S FEP.Z7,1990
uF.citrar.1'r.�?r.SyM+iitY AiSGciatiilN�T Nu�at!05
LPW OFFICES
SNELBAKER,
ELICKER & SILVER