HomeMy WebLinkAbout07-30-15 Jpennsylvania 1505618403
OEPARTMENf OF NEVENI�X(03-14)
REV-150110 OFFICIAL USE ONLY
Bureau of Individual Taxes County Code Year File Number
PO BOX 280601 INHERITANCE TAX RETURN
Harrisburg, PA 17128-0601 RESIDENT DECEDENT 21 14 1152
ENTER DECEDENT INFORMATION BELOW
Social Security Number Date of Death MMDDYYYY Date of Birth MMDDYYYY
11 02 2014 12 19 1935
Decedent's Last Name Suffix Decedent's First Name MI
STUCK ANNA M
(If Applicable)Enter Surviving Spouse's Information Below
Spouse's Last Name Suffix Spouse's First 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
prior to 12-13-82)
❑ 4. Agricultural 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)
❑X 7. Decedent Died Testate EJ 8. Decedent Maintained a Living Trust 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 Daytime Telephone Number
ROBERT C SAIDIS ( 717) 243 6222
First Line of Address
26 W HIGH STREET
Second Line of Address
City or Post Office State ZIP Code
CARLISLE PA 17013
C=
rsaidis(aD_ssr-attorneys.com n vim- :zP3'
Correspondent's email address: C r rel P3,
REGISTER WILLS USE EFRLY
M C-)
REGISTER OF WILLS USE ONLY r— W C rt
DATE FILED MMDDYYYY r' f' O p
cf :
Z
_ N rrr
-
DATE FILli�STAMP 17—
Side 1
1505618403 1505618403
J 1505618411
REV-1500 EX
Decedent's Social Security Number
Decedent's Name: Stuck, Anna M.
RECAPITULATION
1. Real Estate(Schedule A)....................................................................................... 1.
2. Stocks and Bonds(Schedule B)............................................................................. 2.
3. Closely Held Corporation,Partnership or Sole-Proprietorship(Schedule C)......... 3.
4. Mortgages and Notes Receivable(Schedule D).................................................... 4.
5. Cash,Bank Deposits and Miscellaneous Personal Property(Schedule E).......... 5. 13-,1132 - 68
6. Jointly Owned Property(Schedule F) ❑ Separate Billing Requested............ 6. 671980 - 30
7. Inter-Vivos Transfers&Miscellaneous Non-Probate Property
(Schedule G) ❑ Separate Billing Requested............ 7. 79 ,0 4 4 • 61
8. Total Gross Assets(total Lines 1 through 7)........................................................ 8. 1611,057 • 59
9. Funeral Expenses and Administrative Costs(Schedule H).................................... 9. 14 -,325 - 83
10. Debts of Decedent,Mortgage Liabilities and Liens(Schedule 1)............................ 10. 1,2 8 5 • 7 2
11. Total Deductions(total Lines 9 and 10)................................................................ 11. 15-,611 . 55
12. Net Value of Estate(Line 8 minus Line 11).......................................................... 12. 144 -,446 - 04
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. 144 -t446 - 04
TAX CALCULATION-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. 0 . 00
16. Amount of Line 14 taxable
at lineal rate X .045 14 4 ,4 4 6 . 0 4 16. 6,500 - 07
17. Amount of Line 14 taxable
at sibling rate X.12 0 . 00 17. 0 . 00
18. Amount of Line 14 taxable
at collateral rate X.15 0 . 00 18. 0 . 00
19. TAX DUE................................................................................................................. 19. 6,500 . 07
20. FILL IN THE OVAL IF YOU ARE REQUESTING A REFUND OF AN OVERPAYMENT E
Under penalties of perjury,I declare 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 person responsible for filing the return is based on all information of which preparer has
any knowledge.
SIGNATURAOF PERSON R SP SIBL FILING RETURN Robert W.Stuck,Jr. DAT
-�.i big
ADDRESS
15 W. Green S_tr iremanstown, PA 17011
SIGNATURE OFiPKEPAR ZfXER,THAN REPRESENTATIVE Robert C.Saidis DATE
ADDRE&
26 W. High Street, Carlisle, PA
I I�II'I II'll VIII�'I'I'lII'IIII IIII('III��III(IIII IIII I'�I Side 2
1505618411 1505618411
I
PA Inheritance Tax Return
Signature of Additional Fiduciaries
ESTATE OF FILE NUMBER
Stuck,Anna M. 21-14-1152
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.
0
Signature#2
Name Cynthia A.Houseal
Addressl 912 Loring Lane
Address2
City,State,Zip Mechanicsburg,PA 17055
Date
REV-1500 EX Page 3 File Number 21-14-1152
Decedent's Complete Address:
DECEDENT'S NAME
Stuck,Anna M.
STREET ADDRESS
138 Salem Church Road
CITY STATE ZIP
Mechanicsburg PA 17050
Tax Payments and Credits:
1. Tax Due(Page 2, Line 19) (1) 6,500.07
2. Credits/Payments
A. Prior Payments 7,178.28
B. Discount 325.00
Total Credits(A +B) (2) 7,503.28
3. Interest (3)
4. If Line 2 is greater than Line 1 +Line 3,enter the difference. This is the OVERPAYMENT. (4) 1,003.21
Check box on Page 2,Line 20 to request a refund
5. If Line 1 +Line 3 is greater than Line 2,enter the difference. This is the TAX DUE. (5)
Make Check 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;............................................................................... ❑ ❑x
b. retain the right to designate who shall use the property transferred or its income;.................................. ❑ ❑x
c. retain a reversionary interest;or............................................................................................................... ❑
d. receive the promise for life of either payments,benefits or care?............................................................ ❑
2. If death occurred after Dec. 12, 1982, did decedent transfer property within one year of death without ❑
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?.................................................................................................................. [i] ❑
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 step-parent 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 172 P.S.§9116(a)(1.3)]. A sibling is defined,
under Section 9102,as an individual who has at least one parent in common with the decedent,whether by blood or adoption.
Rev-1508 EX+(08-12)
SCHEDULE E
pennsylvania CASH, BANK DEPOSITS, & MISC.
DEPARTMENT OF REVENUE
INHERITANCE TAX RETURN PERSONAL PROPERTY
RESIDENT DECEDENT
ESTATE OF FILE NUMBER
Stuck,Anna M. 21-14-1152
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
NUMBER DESCRIPTION OF DEATH
1 2005 Honda Accord-Sale Proceeds-See attached Invoice 7,000.00
2 M&T Securities, Inc.Account#AZD563781 -See attached letter from M&T Securities dated 5,145.63
February 12,2015
3 M&T Securities, Inc.Account#AZR430168-See attached letter from M&T Securities dated 0.05
March 11,2015
4 Refund from Progressive Insurance for car insurance 118.00
5 Tax year 2014 Income Tax Refund 769.00
TOTAL(Also enter on Line 5, Recapitulation) 13,032.68
(If more space is needed,additional pages of the same size)
Copyright(c)2012 form software only The Lackner Group,Inc. Form PA-1500 Schedule E(Rev.08-12)
i
717-705-1862
09:26:51 a.m. 01-09-2015 2/16
Bobby Rahal Honda Bobby Rahal Acura Bobby Rahal Toyota-Scion Bobby Rahal Lexus
6696 Carlisle Pike 6694 Carlisle Pike 6711 Carlisle Plito 6715 Carlisle Pike
Mechanicsburg,PA 17050 Medualesburg PA 17050 Mecbealesburg,PA 17050 Mecbaaicsbarg,PA 17050
717-766.430U 717-790.6000 717-691-WO 717-691-5600
A Y T�nA��rr� ��i 1p Bobby Rahal Toy,ita-Scion Bobby Rah;1 Lexus Bobby Raba!Used Car Outlet
ti U OM L1.iE- of Lewisto,M of Lewis:own 6694 Carlisle Pike
425 Electric A,,:nue 425 Electric Avenue Mechanicsburg,PA 17050
Lewistown,PA 7044, Lewistown,P t 17044 717-7904000
717-248-0119 717-2484419
PLEASE ENTER MY ORDER FOR THE FOLLOWING DEAL NO. CLIENT NO. OCCUPATION
❑NEW ❑USED ❑DEMO ❑CAR ❑TRUCK ❑LOANEF _
YEAfjl M KE M EL TYPE OATEI_ SALESPERSON
COLOR TRIM
ik 19 i PURCHASER r-,4 eV NA M
Sf$e k—
MOUAL
1 .1 td � O
VIN CO PURCHASER
C- c � j j6•
STOC N MILESCODECORRESPONDEh CE TO3 7,ger V r Z�ik
ESTIMATED DELNERY DATE 1 r TIME O PI !J M ADDRESS L 2 `✓
CASH 0 FINANCED❑ J LEASE.:1S CISTATE zip COUNTY
!tit Ett,4.41 G!
tYESCRIPTIONOF . E-MAIL
YEAR MAKE MODEL TYPI:
RES.PHONE BUS.PHONE
STOCK N0. MILES COLO I
TITLED TO: CELL�! - .F-V/OS FAX
PURCHASER'S 6OC.SEC.NO. CO-PURCHASER'S SOC.SEC.NO.
VIN
PURCHASER'S I:RIVERS LICENSE NO. CO-PURCHASER'S DRIVERS LICENSE NO.
VEHICLE BEING TRADED-IN: ❑LEASE ❑ OWNED ❑PAY)FF
SYYOU PRICE OF VEHIC LE
DOES ANY OF THE FOLLOWING PERTAIN TO YOUR T RADE-IN: f�fl
R-Titled,Branded Title,True Miles Unknown(TMU),Grey Market& ACCESSORIES
Water Damage ❑YES ❑NO
Cuslomets ,
slgnatura X
LICENSE PLATE NO. VALID EXPIR i5
LIEN HOLDER
ADDRESS "
ACCT# TITLE#
PHONE PAYOFF AMOUNT GOOD TILL VERIFIED BY
COLLISION COVERAGE
NAME OF AGENT PHONE
ADDRESS
POLICY NUMBER VERIFIED BY DATES
TO: FROM:
�INSIMANCE C& COMP COLL SUB TOTAL
WARRANTY INFORMATION
SERVICE PIAN
O FACTORY WARRANTY-The factory warranty conslitutes allot the warramtas with aspect to the sate TYPE_
of Hits hetNAems.Tho se0er hereby ammssfy disclaims a0 warranties,aithar expressed,r implied Indudbv
any implied warranty of morchantabi ity or threes for a particular purpose,and the s0 r neither assumes MONTH: MILES
nor authorizes any other person to assume for it any liability In connection with the sak of this ftw"ems.
THIS
VVEHICLLE S PART OF THIS CONTRACT INFORMATION ONED CAR WARRAWY-THE INFORMATION YOU THE HE w NF THE PoR�vERRIDES ANY 1. TOTAL SALE PRICE OF VEHICLE
CONTRARY PROVISIONS INTHE CONTRACT OP SALE. —
d AS Is-Thi-,motor veMde Is sold AS W without any warranty abhor express xi or"Ied.Th
a 2. ALLOVI ANCE ON TRADE-IN
purchaser wig bear the entire expanse of repairing or corredlg any detect that presenu exists or that may
occur in the veNcla. —
PURCHASER's 3. TAXABLE BALANCE(LINE t-LINE a)
SIGNATURE X DATE 4. STATE SALES TAX
CO-PURCHASER'S
SIGNATURE X DATE 5. LUXLIF Y TAX
..____.. tee•..-ru,rnanea __...—._�..,.. . •rmw TRANSFER
02-12---'15 12:18 FROM- MT Carlisle High St r 71724045 8 T-661 P0002/0003 F-134
]N.i&T Securities,Ine.
285 OefawareAvenue,Suits 2000,Buffaio,my 4202
February 12,2015
i
]rte:Date of Death Valuation—Anna M.;)tuck
To Whom It May Concern,
Enclosed you will fmd the date of des h valuation for account AW563781, rsgistered as,ANNA M
STUCK.
! This information is obtained from sown believed to be Tellable, but no independent verification has
bean made and M&T Securities does not pawl tee the accuracy. `
i
The prices per share on tits valuation date differ for each soourity.Stocks are priced per share based-on
the low,high and close, Mutual funds or)priced per share at NA V,Fixed income is priced at the bid.
Previous business day price is used if DOD falls on a weo4nd or holiday.
i
Please note'H the client held an annul 7 position at the time of death then the valuation should be
obtained by the ealrrler.
If you have addition4l questions regarding this 1rdbrmation,please contact tho Clio»t Solutions desk at
(800)724-7708,option 01.
isincerely,
M -�.
1 Maureen E.Doty
Brokerage investment Specialist
` M&T Seourities.Ine.
I �
t
i
r
i
II tnvastmem anti Inzwar us.tsrc*d Io:•Ara NOT Deposits•Ars NOT POJGheumd
Ate NOT Insured By Any Fadand G"MAW1 Adeney•HMvA No Bar h Guamntea•May Gu Down in Value
Omkerage aentcas and Vwurome products aro offered by WT&W11Cwe.Ina(tMet+wet RNRA/S IPC),not by m&T Renck.
MAT saaeIDea,Ina!a Named ad an Insurance Writ end a to as agent for Insurers.lnsuranoe p elides an owasons of rhe insurers that mare the poeft.
Insurahce products may out be avellabie M atl mamr:
02-12215 12:18 FROM- MT Carl isle High St r 7172404! 8 T-661 P0003/0003 F-134
M&T Securities,Inc.
286 Delaware Avenue,.9Wte 2000,Buffalo,W 11202
Date of death Holdings as of 10131/2014 '
Account: AZO563781
j
Symbol I iiiRlij Men aG)Qenuti Ml;uagal page EAa gt vibe
Cash and� alenls
M PRIME MMKI 46,
[TOTB74b
i
l
' 1
P
' 3
(+t
1
InvaAme tl and Insuran n Produm-Are NOT Otosha AreMOT FDic•insured
entme
Are HOT fnaurad By Any FAral Sc ent AVOW-[•lave NO RIM t GMantee-MeY W Down In Yekre
Brokerage aenncw and I murance products or*offered by Me f amrifee,Ino.(member RNRAB Pry not by M&T Bank. i
M&T SecW N*,fila is rmohsed as ah Nsueq�.e agent And ac s a0 asset for insurers.Insurance pi iicfes are obfpa=of the inauram met IBM*the pWOW. '
Insurance produdta may not he available In of states.
1
st
MEMBERS 111
FEDERAL MDUUNION
REGULAR SAVINGS ACCOUNT:
Account Number/Suffix 170442-00
Date Account Established' 09/02/1997
Principal Balance at Date of Death $5,080.46
Accrued Interest to Date of Death $0.01
Total Principal and Accrued Interest $5,080.47
Name of Joint Owner Cynthia Houseal Robert Stuck Jr.
Date Joint Added 09102/1997 09/0211997
INVESTMENT SAVINGS ACCOUNT:
Account Number/Suffix 170442-05
Date Account Established 04/09/1998
Principal Balance at Date of Death $600.87
Accrued Interest to Date of Death $0.00
Total Principal and Accrued Interest $600.87
Name of Joint Owner Cynthia Houseal Robert Stuck Jr.
Date Joint Added 0410911998
0410911998
MEMBERS fisT FEDERAL CfREDIT UNION
TesfaLSKlug
PAY/
Lending Insurance Support Specialist
March 12,2015
Estate of:ANNA M STUCK
Date of Death: 11/02/2014
Social Security Number: 182-408863
5000 Louise Drive • P.O.Box 40 • Mechanicsbutg,Pennsylvania 17055 • (800)283-2328 • wwwmembers1storg
Colestock Appraisal Services
300 Glenn Road Camp Hill,PA 17011
File No.138salemchurch
APPRAISAL OF
r
"At r Mr
��r y
n R«
u�P^x 7R
SINGLE FAMILY APPRAISAL
LOCATED AT:
138 Salem Church Rd
Mechanicsburg,PA 17055
FOR:
Private
BORROWER:
Private
AS OF:
February 26,2015
BY:
Christopher M.Colestock
RL139151
300 Glenn Road,Camp Hill,PA 17011
Colestock Appraisal Services
Uniform Residential Appraisal Report File No. 138salemchurch
The purpose of this summ ry appraisal report is to provide the lender/client with an accurate,and adequately sueported,opinion of the market value of the subject property.
PrDpertyAddress 138 Salem Church Rd city Mechanicsburg State PA Zi Code 17055
Borrower Private Owner of Public Record Anna M&Robert W Jr Stuck county Cumberland
L at Description Deed Book 00175 Page 00204
Assessor's Parcel A 10201838021 Tax Year 2015 R.E.Taxes S 2,637
Nei hborhood Name Ham den Townshi Ma Reference METRO 2846 H1 Census Tract 0113.05
Occu am Owner Tenant X Vacant S cial Assessments S 0 PUD HOA S 0 er ear per month
Pro a Ri hts A raised X Fee Simple Leasehold Other(describe)
Assi nmentTvnp I lPluchaseTran-action Ref nonce Transaction X Other describe Private
Lender/Client Private Address
Is the subject property currently offered for sale or has It been offered for sale in the twelve months prior to the effective date of this appraisal? Yes [X)No
Report data source(s)used,offering price(s),and date(s). Central Penn Multi-List
I Ulfid LJ did not analyze the contract for sale for the subject purchase transaction.Explain the results of the analysis of the contract for sale or why the analysis was not performed.
Contract Price S Date of Contract Is the property seller the owner of public record? Flyes No Data Source s
Is there any financial assistance(loan charges,sale concessions,gift or downpayment assistance,etc.)to be paid by any party on behalf of the borrower? Yes No
If Yes,report the total dollar amount and describe the items to be paid.
Note:Race and the racial composition ofthe nei hborhood are not appraisal factors.
Neighborhood CharacteristicsOne-Unit Housing Trends One-Unit Housing Present Land Use%
Location Ll Urban V6J Suburban Q Rural Property ValuesLJ Increasinq X Stable Ll Declininct PRICE AGE One-Unit 70%
Buik-Up X Over 75% 25-75% Under 25% Demand/Su Shorts e XIn Balance Over supply woo) (yrs) 2-4 Unit 5%
Growth Ra id X Stable Slow Marketin Time Under 3 mths X 3-6 mths UOver6mths 70 Low 0 Multi-Family 5%
Neighborhood Boundaries To the North by Rte 11'To the South by Rte 641-To the East by 350 High 200 Commercial 10%
-Sporting Hill Rd;To the West by Silver Spring Rd. 1 150 Pred. 40 other Vacant 10%
Neighborhood Description This suburban nei hborhood has most public utilities available relatively easy access to employment and services
and is competitive with other neighborhoods in the general area. Most have similar ammenities.Market acitivity indicates averse or
better acceptance in the market place. No unfavorable factors were observed that would adversely affect market value.
Market Conditions(including support for the above conclusions) See Attached Addendum
Dimensions See Plat Map Area 24829 sf Shape Rectangular view N'Res-
Specific Zonin Classification R1 Zoning Description ResidenFa
ettribe)Compliance XLegal Legal NonconformingGrandfathered Use No Zonin
Is the highest and best use of the subject property as improved(or as proposed per plans and specifications)the present use? LXJYes UNo If No,describe.
Utilities Public Other(describe) Public Other(describe) Off-site Improve!1!ents—Type Public Private
Electric' X 200 AMPS Water X Street As halt X
Gas LJ LJ None Sanitary Sewer X U Alley None
FEMA Special Flood Hazard Area UYes X No FEMA Flood Zone X FEMA map R 42041 CO276E FEMA Map Date 03/16/2009
Are the utilities and off-site improvements typical for the market area? X Yes UNo If No,describe.
Are there any adverse site conditions or external factors(easements,encroachments,environmental conditions,land uses,etc.)? as X No If Yes,describe.
GENERAL DESCRIPTION FOUNDATION EXTERIOR DESCRIPTION materials/condition INTERIOR materialslcond 0n'
Units None U One with Accessory Unit L Concrete Slab UCrawiSpace Foundation Walls Conc Block/Ave Floors C t/HWNin-Ave
sof Stories 1 X Full Basement Urartial Basement Exterior Walls Brick/Alum-Ave Walls Panel/DW-Ave
T e X Det. Att. S-DetlEnd Unit Basement Area 988 sq.ff. Roof Surface Asphalt Sh-Ave TriMFinish Wood-Ave
W Existing Proposed U Under Const. Basement Finish 50% Gutters&Downspouts Aluminum-Ave Bath Floor Vinyl-Ave
Design(SMe)Ranch I Outside En /Exit I XJ Sump Pump Window Type Dbl Hung-Ave Bath Wainscot FG-Ave
Year Built 1960 Evidence of LJ Infestation Storm Sash/insulated Yes-Ave Car storage LJ None
Effective Age(Yrs)18 1 J Dampness LJ Settlement Screens Yes-Ave [k Driveway o of Cars 2
Attic I None Heating X FWA IL)HWBI31 LJ Radiant Amenities WoodStoves YO Driveway Surface Asphalt
[XJ Drop Stair stairs Other I Fuel Oil X Fire laces t 1 Fence None Gara a 1f of Cars 0
Floor Scuttle CoolingX Cemral Air Condltionin X Patio/Deck Rear X Porch FfOnt X Carport 8 of Cars 1
LJ Finished Heated Individual Other Pool None Other None X Att. J Dei. Built-in
Appliances W Refrigerator X Ran a/oven DishwasherI I_'lLJ Microwave LJ Washer/Drver Other describe
Finished area above grade contains: 6 Rooms 3 Bedrooms 1.0 Bath(s) 988 Square Feet of Gross Living Area Above Grade
Additional features(special energy efficient items,etc.). No special ener_qy efficient items observed. The subject features are typical of similar
.' imrovements in the area.
Describe the condition of the property(including needed repairs,deterioration,renovations,remodeling,etc.). C3'No updates in the prior 15 ears;The subject home
is well maintained and in overall average condition.The oil tank was located in the front left corner of the basement and showed no
signs of leakage or seepage and no odor associated with the tank.
Are there any physical deficiencies or adverse conditions that affect the livability,soundness,or structural integrity of the property? OYes X No If Yes,describe.
Does the property generally conform to the neighborhood(functional utility,style,condition,use,construction,etc.)? WYes UNo If No,describe.
Freddie Mac Fora 70 March 2005 UAD Version 912011 Rodd ming ACI soft—600231.6721wxn.aaeb.ma F-1.Mae Fant 1001 W h 2005
Page 1 d 6 1pd1_05UA0 a722n11
03-18-'15 15:48 FROM- MT Carlisle High St r 7172404!5'8 T--751 P0002/0003 F-272
W M&T Securities,Inc.
286 Delaware Avenue,Buffalo,NY 14202
. I
i
i
March 11,2015
i Re.Date of Death Valuation
To Whom 2t May Concern, i
Enclosed you will find the date of death~-aluation.for awtmt AZR430168,registered as,IRA FBO Anna
Stuck
This infomation is obtained ftom sown w believed to be reli.>,ble, but no independent vaificatton has j
been made and M&T Securities does not guarantee the accuracy.
! The prices per share on the valuation de de dimer for each seclx ity. Stocks are priced per share based on
the low,high and close. Mutual funds ar i priced per spate at Nj W.Fixed income is priced at the bid.
Previous business day price is used if DOD falls on a week end or holiday.
Please note if the client held an annuity F:)sition at the time of d cath then the validation should be obtained
by the carrier.
E you have additional questions regardi tg this information, p:ease contact the Client Solutions desk at
(800)724-7788,option All.
Sincerely,
I
1
Robin Brown l
Brokerage Investment Specialist
M&T Securities Inc.
i
Inmim m and Insurt we Prpduotb;-Aro NOT Depna Is•Are NOT F0,I0-lnsured
Are NOT Insured By Any Federal G wernment Agency-Have NO f ank Guararttae•May Go Down In Value
Brokerage saneas and insurance products are ofted by N IT Searrnlies,Into,pnefibar FIN 1i JSIPC),not by MAT Bmk.
MAT secwt*,tee.IS Gcensea as an insurance agent alta s ft as agent for Insurers.Irwurar no)policies ore obligMionS of the Ineerere IhO Mira the po#de&
Insuranoo pteduots nV not 0 USS We In all states.
03--16-'15 15:48 FRONT- MT Carl isle High St r 71724045'8 T-751 P0003/0003 F-272
► .M&TSec'urities,Inc.
i 285 Delaware Avenue,Buffalo,NY 14202
1
Date of Death Holdings as of 11/2/2014 _
Account: AZR430168
Symbol 9rauri Nat a Quahti Hletgrittil Priem MarlWt 1fa1lEB
I
Gash and Eaulvalaft
USD ICASH 0.0
Mutual Funds i
uities — i
i Fig :$
Mae:$
Nigh:$ taoW $
Close:
High:$ Low:$
Clds:e:$
TOTAL
I
t
I
a
a
y
t
imve!;!Munt and Insurat oe Products:•Are NOT DePOSPs•Are NOT FDIC-insured
Are NOT Insured by Any Federal GE vemaent Agency•Have NO B:age Guaranlea•May Qo Dawn In Value
Brokerage servicas and Insurance products are ogered by W T Sep+&&Ing.(member F1NF A SIM).not by M&T sank.
M&T Gacuilice,Inc.is Ilcumd as an instimnce apeni xnd at t M Agent for Insum(s..Insuran ie poluges*to oigtati r a of aro Imurere%at issue the poilctea.
Insurance products may not be available In all states.
E
4
E
4
Rev-1509 EX+(01-10)
pennsylvania SCHEDULE F
DEPARTMENT OF REVENUE JOINTLY-OWNED PROPERTY
INHERITANCE TAX RETURN
RESIDENT DECEDENT
ESTATE OF FILE NUMBER
Stuck,Anna M. 21-14-1152
if an asset was made Joint within one year of the decedent's date of death,it must be reported on schedule G.
SURVIVING JOINT TENANT(S)NAME ADDRESS RELATIONSHIP TO DECEDENT
A. Robert W.Stuck,Jr. 15 W. Green Street Son
Shiremanstown, PA 17011
B. Cynthia A. Houseal 912 Loring Lane Daughter
Mechanicsburg, PA 17055
C.
JOINTLY OWNED PROPERTY:
DESCRIPTION OF PROPERTY %OF DATE OF DEATH
ITEM LETTER DATE VALUE OF
FOR JOIN MADE (NCLUDE NAME OF NUMBER OR SIMILARrANCIAL IDENTIFYING NUM(ON AND BANK ER.ATTACH EEDOUNT FOR DATE OF DEATH DECD'S DECE ENT'S INTERESTNUMBER TENANT JOINT JOINTLY-HELD REAL ESTATE. VALUE OF ASSE INTEREST
1 A,B 09/03/2004 140.925594 shares of Coca Cola Enterprises, 6,101.02 33.330% 2,033.47
Inc.stock-See attached Valuation as of date
of death
2 A,B 12/06/1985 Fulton Bank Certificate of Deposit#121 17,297.03 33.330% 5,765,10
-0036870-See attached letter from Fulton
Bank dated February 6,2015
3 B 10/07/1987 Fulton Bank Savings Account#3100-28368- 464.50 50.000% 232.25
See attached letter from Fulton Bank dated
February 6, 2015
4 A, B 03/28/1990 M&T Bank Checking Account#57695490- 3,274.19 33.330% 1,091.29
See attached letter from M&T Bank dated
February 9, 2015
5 A,B 09/15/2008 M&T Bank Savings Account 3,276.92 33.330% 1,092.20
#15004219414402-See attached letter from
M&T Bank dated February 9, 2015
6 A, B 09/23/1996 M&T Certificate of Deposit#31003914538293- 14,633.95 33.330% 4,877.50
See attached letter from M&T Bank dated
February 9, 2015
Total of Continuation Schedule 5ee attached page
TOTAL(Also enter on Line 6, Recapitulation) 67,980.30
(If more space is needed,additional pages of the same size)
Copyright(c)2010 form software only The Lackner Group,Inc. Form PA-1500 Schedule F(Rev.01-10)
i
I
Rev-1509 EX+(01-10)
pennsylvania SCHEDULE F
DEPARTMENT OF REVENUE JOINTLY-OWNED PROPERTY
INHERITANCE TAX RETURN
RESIDENT DECEDENT continued
ESTATE OF FILE NUMBER
Stuck,Anna M. 1 21-14-1152
If an asset was made joint within one year of the decedent's date of death, it must be reported on schedule G.
JOINTLY OWNED PROPERTY
DESCRIPTION OF PROPERTY %OF DATE OF DEATH
ITEM LETTER DATE INCLUDE NAME OF FINANCIAL INSTITUTION AND BANK ACCOUNT DATE OF DEATH DECD$ VALUE OF
NUMBER FOR JOINT MADE NUMBER OR SIMILAR IDENTIFYING NUMBER.ATTACH DEED FOR VALUE OF ASSE INTEREST DECEDENT'S INTEREST
TENANT JOINT JOINTLY-HELD REAL ESTATE.
7 A, B 09/02/1997 Members 1st Federal Credit Union Savings 5,080.47 33.330% 1,693.32
Account#170442-00-See attached letter
from Members 1st FCU dated March 12,2015
8 A, B 04/09/1998 Members 1st Federal Credit Union Savings 600.87 33.330% 200.27
Account#170442-05-See attached letter
from Members 1st FCU dated March 12,2015
9 A, B 04/08/1998 Real estate situate at 138 Salem Church 153,000.00 33.330% 50,994.90
Road, Mechanicsburg, PA-See attached
Appraisal
TOTAL(Also enter on Line 6, Recapitulation) 67,980.30
Copyright(c)2010 form software only The Lackner Group,Inc. Form PA-1500 Schedule F(Rev.01-10)
i.
Estate Valuation
Date of Death: 11/02/2014 Estate of: Anna M. Stuck
Valuation Date: 11/02/2014 Account: Coca-Cola Enterprises, Inc.
Processing Date: 02/23/2015 Report Type: Date of Death
Number of Securities: 1
File ID: Stuck: Coca Cola Stock
Shares Security Mean and/or Div and Int Security
or Par Description High/Ask Low/Bid Adjustments Accruals Value
1) 140.925594 COCA COLA ENTERPRISES INC NEW (19122T109)
COM
New York Stock Exchange
10/31/2014 43.68000 43.13000 H/L
11/03/2014 43.52000 42.84000 H/L
43.292500 6,101.02
Total Value: $6,101.02
Total Accrual: $0.00
Total: $6,101.02
Page 1
This report was produced with EstateVal, a product of Estate Valuations & Pricing Systems, Inc. If you have questions,
please contact EVP Systems at (818) 313-6300 or www.evpsys.com. (Revision 7,3.1)
FEB 12 205
Mton Bank
LISTENING IS JUST THE BEGINNING!
February 6,2015
Saidis Sullivan&Rogers
26 W High St
Carlisle PA 17013
Dear Mr. Saidis,
RE: Anna Marie Stuck,deceased 11/2/2014
In response to your recent inquiry concerning the accounts maintained in the name of
the decedent,please be advised that the following accounts were open at the date of death:
Savings#3100-28368,opened 10/7/87, date of death balance$464.50,zero
interest accrued as of the date of death,titled jointly always with Cynthia Ann
Houseal.
DATE OF DEATH ACC
CD# BALANCE INT RATE, OPEN ROLLOVER MATURITY
121-0036870 17281.77 15.26 1.24 12/6/85 12/6/09 12/6/21
(titled jointly always with Cynthia Ann Houseal and Robert W Stuck Jr)
If you should have any further questions,please do not hesitate to contact me at 717-327-2497.
Very truly yours,
April Billett
Credit Confirmation Processor
N U
This information Is furnished a,
a matter
'r()f busint)s4i a�urtp'sy
In answer to your inquiry, and it,fol
The bank furnish,pq thisIntr)rm yourC(")fON111,91 use Only.
guarantee the accut•')4' of
'Y. con)-k-t-,
Information provid the
Off. tv�
bank or any of its cgi
herein 01tr
1.800.FULTON.4 fultonbank.corn
Fulton Flank,NA Member FDIC Memborof the Fulton financial Family.
FIED. 17 2015
Bank
E;�rerd6�r+�inll,fit M; .�;�:
499 Mitchell Road,Millsboro,DE 19966 Records Management
Phone 888-5024349
F ax (302)934-2955
february 9,2015
Law Offices Of
Saidis,•Sullivala &Rogers
26 West High Street
Carlisle,PA 17013
Re: Estate of Anna M. Stuck
Social Security:
Date of Death:November 02,264
Dear Sir or Madam:
Per your inquiry on February 02,2015, please be advised that at the time of death,the above-named decedent
had on deposit with this bank the following:
I. 73 pe of Account Checking Account
A'ccountNumber 57695490 f
1
Ownership(Names o•9 Cynthia A.Houseal j
Anna M.Stuck
Robert W.Stucky Jr.
Opening Date 0312811990
Balance on Date ofDeath $ 3,274.18 s
Accrued Interest $ .01 l
Total $ 3,274.19 3
i
2. Type of Account Savings Account
Account Number 15004219414402
Ownership(Names qq C�nthia A.Houseal
Anna M.Stuck
Robert W.Stucky Jr. .
Opening Date 0911512008
r
Balance on Date of Death $ 3,276.88
Accrued Interest $ .04 ,
1 Total $ 3,276.92
i
3
I
3. Type ofAccount Certricate of Deposit
Account Number 31003914538293
Ownership(Names ofJ Cynthia A.Houseal
Anna M.Stuck
Robert W.Stuck Jr.
Opening Date 09/23/1996
Balance on Date of Death $ 14,633.41
Accrued Interest $ .54
I
Total $ 14,633.95
For any.additional information on the above accounts,including ownership and any changes,closures and/or reimbursement of funds,
please call the Hampden at 711-255-2293.
We were unable to locate any safe deposit box for the above-mentioned decedent.
This letter does not include any accounts in which the deceased may have been listed as Power of Attorney,Custodian of Uniform Transfers,
Representative Payee,or Trustee under a Written Agreement
Sincerely,
Valarie Mercer
Records Management
l
s
F
I
i !
' I
i
i
i'
i
Colestock Appraisal Services
Uniform Residential Appraisal Report File No. 138salemchurch
There are 3 comparable properties currently offered for sale in the subject neighborhood ranging in price from$ 119,000 to f 180,000
There are 6 com arable sales in the subject nei hborhood within the past twelve months ranqinq in sale price from f 120,000 to S 250,000
FEATURE SUBJECT COMPARABLE SALE NO.1 COMPARABLE SALE NO.2 COMPARABLE SALE NO.3
138 Salem Church Rd 139 Salem Church Rd 108 Hampden Ave 499 Linden St
Address Mechanicsbur PA 17055 Mechanicsburg,PA 17050 Camp Hill PA 17011 Mechanicsburg,PA 17050
Proximity to Subject 0.06 miles SW 1.89 miles SE 0.68 miles SE
Sale Price $ 1 f 149,000 Is 157,000 1$ 159,000
Sale Price/Gross Liu.Area $ 0.00 sq.ft, S 131.05 sq.ft.I E 158.91 sq.fL f 118.30 sq.ft.
Data Sources CPMLS#10261385;DOM 35 CPMLS#10256098;DOM 124 CPMLS#10252712'DOM 113
Verification sources CPML Tax Records CPML Tax Records CPML Tax Records
VALUE ADJUSTMENTS DESCRIPTION DESCRIPTION (-SAd'usM-1 DESCRIPTION $AdjuslrWt DESCRIPTION ()SAd tinea
Sale or Financing Arml-th 0 Arml-th 0 Arml-th 0
Concessions Conv;O 0 FHkO 0 Conv;7874 0
Date ofSale/Time sO1/15'c12/14 sO1/15'c11114 s10/14;cO9/14
Location N;Res; N;Res; N;Res; N;Res'
Leasehold/Fee Simple Fee Simple Fee Simple Fee Simple Fee Simple
Site 24829 sf 40075 sf 0 7405 sf 0 17424 sf 0
View N;Res; N:Res: N;Res; N;Res;
Design(Style) DT1;Ranch DT1;Ranch DT1;Ranch DT1;Ranch
Quality of Construction Q4 Q4 Q4 Q4
Actual Age 55 54 0 55 55
Condition C3 C3 C3 C3
Above Grade Total 18d.sl Baths Taal Bdm s Baths Taal I fi&— Beds Total I Bd.d Baths
Room Count 6 1 3 1 1.0 5 2 1 1.1 -1,500 6 3 1.0 6 3 1.1 -1,500
Gross Living Area 25 988 sq.ft. 1 137 sq.R -3,700 988 sq.ft. 1,344 sq.ft. -8,900
Basement&Finished 9880494sffn 11370400sffn 0 988sf9OOsfin 0 1344sfOsffn 0
Rooms Below Grade 1rr0br0.0ba0o 1rr0br0.0ba0o 1rrObrO.Obalo -3000 6,000
Functional Wiry Avera a Average Average Average
HeatinqtCoolinq FWA Wcp2dw
0 FWA None 3,000 Radiant None 3,000
Ener Efficient nems None None Noted None Noted
Gard e/Ca ort 1c 2d1c 2dw 1c 2dw
Porch/Patio/Deck PorhPorch Patio PorchPatio
1 F/P None 2000 2 F/P Fence 4,000
Net Adjustment(Tota 0, 1XJ- Is 5,200 X+ $ 2,0001 U. [K- Is 5,400
Adjusted Sale Price Net Adj. -3.5% Net Adj. 1.3% 1 NetAdj. -3.4%
of Com araIN Gross Adj. 3.5%1$ 143,800,GmssAd. 5.1%1$ 159,000 GrossAd'. 14.7% $ 153,600
I X did did not research the sale or transfer history of the subject property and comparable sales.If not,explain
M research Fldid TX- did not reveal an prior sales or transfers of the subject roe for the three ears for to the effective date of this appraisal.
Data sources CPMLS and CountyRecords
M research FIdid FX1 did not reveal an prinr sales m transfers of the com arable sales for the ear for to the date of sale of the com arable sale.
Data sources CPMLS and County Records
Report the results of the research and analysis of the prior sale or transfer history of the subject property and com arable sales(report additional priorsales on paqe 3).
ITEM SUBJECT COMPARABLE SALE NO.1 COMPARABLE SALE NO.2 COMPARABLE SALE NO.3
Date of Prior Salelfransfer
Price of Prior Sale/fransfer
Data Source(s) County Records County Records County Records County Records
Effective Date of Data Sources 02/26/2015 02/26/2015 02/26/2015 02/26/2015
Analysis of prior sale or transfer history of tire subject property and comparable sales No sales listed in the last 3 years other than listed above.
Summary of Sales Comparison Approach. See Attached Addendum
Indicated Value by Sales Comparison A roach S 153,000
Indicated Value by: Sales Comparison Aroach s 153,000 Cost Approach ifdevelo ed E 0 Income Approach(if developed)$
See Attached Addendum
This appraisal is made X'as is,' U subject to completion per plans and specifications on the basis of a hypothetical condition that the improvements have been completed,
❑subject to the following repairs or alterations on the basis of a hypothetical condition that the repairs or alterations have been completed,or E)subject to the following required
. inspection based on the extraordinary assumption that the condition or deficiency does not require alteration or repair: See Attached Addendum
• Based on a complete visual inspection of the Interior and exterior areas of the subject property,defined scope of work,statement of assumptions and limiting -
conditions,and appraiser's certification,my(our)opinion of the market value.as defined,of the real property that is the subject of this report is E 153,000
.sof 02/26/2015 .which is the date of inspection and the effective date ofthisappraisal,
Freddie Mac Fant 70 Match 2005 UAD version 912011 Rod-ced isug ACI sd—.900234.11727 xwx.acimb— Fannie We Fant 1001 M-h 2005
Paye 2 of 100-OSMD07222014
CHRIS COLESTOCK
Colestock Appraisal Services
Uniform Residential Appraisal Report File No. 138salemchurch
COSTAPPROACHTOVALUE(not re uiredb Fannie Mae)
Provide adequate information for the lenderlclient to replicate the below cost figures and calculations.
Support for the opinion of site value(summary of comparable land sales or other methods for estimating she value) The site value was estimated based on information
from the MLS service and the County tax assessment records.
ESTIMATED REPRODUCTION OR Lj REPLACEMENT COST NEW OPINION OF SITE VALUE........................................=S 40,000
Source of cost data Dwelling 988 Sq.Ft.@$ ............=S 0
Quality rating from cost service Effective date of cost data Bsmt:988 Sq.Ft.@$ ............=$ 0
Comments on Cost Approach(gross living area calculations,depreciation,etc.
Garage/Carpon 286 Sq.Ft.@ S ............=$ 0
Total Estimate of Cost-New ............=S 0
Less 50 Physical I Functional External
Depreciation 1 0
Depreciated Cost of Improvements................................=S 0
"As-is'Value of Site Improvements.......................I........=$
Estimated Remaininq Economic Life HUD and VA on 32 Years INDICATED VALUE BY COST APPROACH...................... =$ 0
,INCOMEAPPROACHTOVALUE(not required b Fannie:Mae).,
Estimated Monthly Market Rem$ X Gross Rem Multiplier =S Indicated Value by Income Approach
Summary of Income Approach(including support for market rent and GRM)
' PROJECT INFORMATION FOE PUD
livable)
Is the develo erlbuilder in control of the Homeowners'Association(HOA)? Yes No Unit t e s Detached Attached
Provide the following information for PUDs ONLY if the develo eribuildef is in control of the HOA and the subject property is an attached dwelling unit.
Legal name of proiect
•
Total number of phases Total number of units Total number of units sold
Total number of units rented Total number of units for sale Data source(s)
Was the project created by the conversion of an existin buildin s into a PUD? Yes No If Yes,date of conversion.
Does the project contain an multi-dwellin units? Yes No Data source s
Are the units,common elements,and recreation facilities complete? Yes No If No,describe the status of completion.
Are the common elements leased to or by the Homeowners'Association? Dyes LjNo If Yes,describe the rental terms and options.
Describe common elements and recreational facilities.
Freddie Mac Farm 70 Marto 2005 UAD Verson 98011 Rocked,.N ACI so—.900134.8727—.dxeb.mm Fannie Mae Farm 1004 March 2005
Page 3 d 6 1001 05UAD07222014
Colestock Appraisal Services
Uniform Residential Appraisal Report File No. 138salemchurch
This report form is designed to report an appraisal of a one-unit property or a one-unit property with an accessory unit;including a
unit in a planned unit development(PUD). This report form is not designed to report an appraisal of a manufactured home or a unit
in a condominium or cooperative project.
This appraisal report is subject to the following scope of work,intended use,intended user,definition of market value,statement of
assumptions and limiting conditions,and certifications. Modifications,additions,or deletions to the intended use,intended user,
definition of market value,or assumptions and limiting conditions are not permitted. The appraiser may expand the scope of work
to include any additional research or analysis necessary based on the complexity of this appraisal assignment. Modifications or
deletions to the certifications are also not permitted. However,additional certifications that do not constitute material alterations
to this appraisal report,such as those required by law or those related to the appraiser's continuing education or membership in an
appraisal organization,are permitted.
SCOPE OF WORK: The scope of work for this appraisal is defined by the complexity of this appraisal assignment and the
reporting requirements of this appraisal report form,including the following definition of market value,statement of assumptions
and limiting conditions,and certifications. The appraiser must,at a minimum:(1)perform a complete visual inspection of the
interior and exterior areas of the subject property,(2)inspect the neighborhood,(3)inspect each of the comparable sales from at
least the street,(4)research,verify,and analyze data from reliable public and/or private sources,and(5)report his or her analysis,
opinions,and conclusions in this appraisal report.
INTENDED USE: The intended use of this appraisal report is for the lender/client to evaluate the property that is the subject of
this appraisal for a mortgage finance transaction.
INTENDED USER: The intended user of this appraisal report is the lender/client.
DEFINITION OF MARKET VALUE: The most probable price 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. Implicit in this definition is the consummation of a sale as of a specified date and the passing of
title from seller to buyer under conditions whereby:(1)buyer and seller are typically motivated;(2)both parties are well informed
or well advised,and each acting in what he or she considers his or her own best interest;(3)a reasonable time is allowed for
exposure in the open market;(4)payment is made in terms of cash in U.S.dollars or in terms of financial arrangements
comparable thereto;and(5)the price represents the normal consideration for the property sold unaffected by special or creative
financing or sales concessions*granted by anyone associated with the sale.
*Adjustments to the comparables must be made for special or creative financing or sales concessions. No adjustments are
necessary for those costs which are normally paid by sellers as a result of tradition or law in a market area;these costs are readily
identifiable since the seller pays these costs in virtually all sales transactions. Special or creative financing adjustments can be
made to the comparable property by comparisons to financing terms offered by a third party institutional lender that is not already
involved in the property or transaction. Any adjustment should not be calculated on a mechanical dollar for dollar cost of the
financing or concession but the dollar amount of any adjustment should approximate the market's reaction to the financing or
concessions based on the appraiser's judgment.
STATEMENT OF ASSUMPTIONS AND LIMITING CONDITIONS: The appraiser's certification in this report is subject to the
following assumptions and limiting conditions:
1. The appraiser will not be responsible for matters of a legal nature that affect either the property being appraised or the title
to it,except for information that he or she became aware of during the research involved in performing this appraisal. The
appraiser assumes that the title is good and marketable and will not render any opinions about the title.
2. The appraiser has provided a sketch in this appraisal report to show the approximate dimensions of the improvements. The
sketch is included only to assist the reader in visualizing the property and understanding the appraiser's determination of its size.
3. The appraiser has examined the available Flood maps that are provided by the Federal Emergency Management Agency(or
other data sources)and has noted in this appraisal report whether any portion of the subject site is located in an identified Special
Flood Hazard Area. Because the appraiser is not a surveyor,he or she makes no guarantees,express or implied,regarding this
determination.
4. The appraiser will not give testimony or appear in court because he or she made an appraisal of the property in question,
unless specific arrangements to do so have been made beforehand,or as otherwise required by law.
5. The appraiser has noted in this appraisal report any adverse conditions(such as needed repairs,deterioration,the presence of
hazardous wastes,toxic substances,etc.)observed during the inspection of the subject property or that he or she became aware of
during the research involved in performing this appraisal. Unless otherwise stated in this appraisal report,the appraiser has no
knowledge of any hidden or unapparent physical deficiencies or adverse conditions of the property(such as,but not limited to,
needed repairs,deterioration,the presence of hazardous wastes,toxic substances,adverse environmental conditions,etc.)that
would make the property less valuable,and has assumed that there are no such conditions and makes no guarantees or
warranties,express or implied. The appraiser will not be responsible for any such conditions that do exist or for any engineering or
testing that might be required to discover whether such conditions exist. Because the appraiser is not an expert in the field of
environmental hazards,this appraisal report must not be considered as an environmental assessment of the property.
6. The appraiser has based his or her appraisal report and valuation conclusion for an appraisal that is subject to satisfactory
completion,repairs,or alterations on the assumption that the completion,repairs,or alterations of the subject property will be
performed in a professional manner.
Freddie Mac Form JD March 2005 UAD Veriron 911011 PmdwW L55 ACI sWA 8D0.234 8727 a dneb. Fannie Mac F-1004 Marti 2005
Page 4 M 6 M_MUAD 077[2014
Colestock Appraisal Services
Uniform Residential Appraisal Report File No. 138salemchurch
APPRAISER'S CERTIFICATION: The Appraiser certifies and agrees that:
1. 1 have,at a minimum,developed and reported this appraisal in accordance with the scope of work requirements stated in this
appraisal report.
2. 1 performed a complete visual inspection of the interior and exterior areas of the subject property.I reported the condition of
the improvements in factual,specific terms.I identified and reported the physical deficiencies that could affect the livability,
soundness,or structural integrity of the property.
3. 1 performed this appraisal in accordance with the requirements of the Uniform Standards of Professional Appraisal Practice
that were adopted and promulgated by the Appraisal Standards Board of The Appraisal Foundation and that were in place at the
time this appraisal report was prepared.
4. 1 developed my opinion of the market value of the real property that is the subject of this report based on the sales comparison
approach to value. I have adequate comparable market data to develop a reliable sales comparison approach for this appraisal
assignment. I further certify that I considered the cost and income approaches to value but did not develop them,unless otherwise
indicated in this report.
5. 1 researched,verified,analyzed,and reported on any current agreement for sale for the subject property,any offering for sale
of the subject property in the twelve months prior to the effective date of this appraisal,and the prior sales of the subject property
for a minimum of three years prior to the effective date of this appraisal,unless otherwise indicated in this report.
6. 1 researched,verified,analyzed,and reported on the prior sales of the comparable sales for a minimum of one year prior to the
date of sale of the comparable sale,unless otherwise indicated in this report.
7. 1 selected and used comparable sales that are locationally,physically,and functionally the most similar to the subject property.
8. 1 have not used comparable sales that were the result of combining a land sale with the contract purchase price of a home
that has been built or will be built on the land.
9. 1 have reported adjustments to the comparable sales that reflect the market's reaction to the differences between the subject
property and the comparable sales.
10. 1 verified,from a disinterested source,all information in this report that was provided by parties who have a financial interest in
the sale or financing of the subject property.
11. 1 have knowledge and experience in appraising this type of property in this market area.
12. 1 am aware of,and have access to,the necessary and appropriate public and private data sources,such as multiple listing
services,tax assessment records,public land records and other such data sources for the area in which the property is located.
13. 1 obtained the information,estimates,and opinions furnished by other parties and expressed in this appraisal report from
reliable sources that I believe to be true and correct.
14. 1 have taken into consideration the factors that have an impact on value with respect to the subject neighborhood,subject
property,and the proximity of the subject property to adverse influences in the development of my opinion of market value. I have
noted in this appraisal report any adverse conditions(such as,but not limited to,needed repairs,deterioration,the presence of
hazardous wastes,toxic substances,adverse environmental conditions,etc.)observed during the inspection of the subject property
or that I became aware of during the research involved in performing this appraisal. 1 have considered these adverse conditions in
my analysis of the property value,and have reported on the effect of the conditions on the value and marketability of the subject
property.
15. 1 have not knowingly withheld any significant information from this appraisal report and,to the best of my knowledge,all
statements and information in this appraisal report are true and correct.
16. 1 stated in this appraisal report my own personal,unbiased,and professional analysis,opinions,and conclusions,which are
subject only to the assumptions and limiting conditions in this appraisal report.
17. 1 have no present or prospective interest in the property that is the subject of this report,and I have no present or prospective
personal interest or bias with respect to the participants in the transaction. I did not base,either partially or completely,my
analysis and/or opinion of market value in this appraisal report on the race,color,religion,sex,age,marital status,handicap,
familial status,or national origin of either the prospective owners or occupants of the subject property or of the present owners or
occupants of the properties in the vicinity of the subject property or on any other basis prohibited by law.
18. My employment and/or compensation for performing this appraisal or any future or anticipated appraisals was not conditioned
on any agreement or understanding,written or otherwise,that I would report(or present analysis supporting)a predetermined
specific value,a predetermined minimum value,a range or direction in value,a value that favors the cause of any party,or the
attainment of a specific result or occurrence of a specific subsequent event(such as approval of a pending mortgage loan
application).
19. 1 personally prepared all conclusions and opinions about the real estate that were set forth in this appraisal report. If 1 relied on
significant real property appraisal assistance from any individual or individuals in the performance of this appraisal or the
preparation of this appraisal report,I have named such individual(s)and disclosed the specific tasks performed in this appraisal
report. I certify that any individual so named is qualified to perform the tasks. I have not authorized anyone to make a change to
any item in this appraisal report;therefore,any change made to this appraisal is unauthorized and I will take no responsibility for it.
20. 1 identified the lender/client in this appraisal report who is the individual,organization,or agent for the organization that ordered
and will receive this appraisal report.
21. The lender/client may disclose or distribute this appraisal report to:the borrower;another lender at the request of the borrower;
the mortgagee or its successors and assigns;mortgage insurers;government sponsored enterprises;other secondary market
participants;data collection or reporting services;professional appraisal organizations;any department,agency,or instrumentality
of the United States;and any state,the District of Columbia,or other jurisdictions;without having to obtain the appraiser's or
supervisory appraiser's(if applicable)consent. Such consent must be obtained before this appraisal report may be disclosed or
distributed to any other party(including,but not limited to,the public through advertising,public relations,news,sales,or other
media).
Freddie Marc Fm 70 March 2005 UAD V-wrr 912077 Rod dung ACI Wmarr.900n1.8727—chwb.mm Fannie Mae Fmm 7009 March 2005
Page 5 el6 7D01_DSUAD 07222079
1
Colestock Appraisal Services
Uniform Residential Appraisal Report File No. 138salemchurch
22. 1 am aware that any disclosure or distribution of this appraisal report by me or the lender/client may be subject to certain laws
and regulations. Further,I am also subject to the provisions of the Uniform Standards of Professional Appraisal Practice that
pertain to disclosure or distribution by me.
23. The borrower,another lender at the request of the borrower,the mortgagee or its successors and assigns,mortgage insurers,
government sponsored enterprises,and other secondary market participants may rely on this appraisal report as part of any
mortgage finance transaction that involves any one or more of these parties.
24. If this appraisal report was transmitted as an"electronic record"containing my"electronic signature,"as those terms are
defined in applicable federal and/or state laws(excluding audio and video recordings),or a facsimile transmission of this appraisal
report containing a copy or representation of my signature,the appraisal report shall be as effective,enforceable and valid as if a
paper version of this appraisal report were delivered containing my original hand written signature.
25. Any intentional or negligent misrepresentations)contained in this appraisal report may result in civil liability and/or criminal
penalties including,but not limited to,fine or imprisonment or both under the provisions of Title 18,United States Code,Section
1001,et seq.,or similar state laws.
SUPERVISORY APPRAISER'S CERTIFICATION: The Supervisory Appraiser certifies and agrees that:
1. 1 directly supervised the appraiser for this appraisal assignment,have read the appraisal report,and agree with the appraiser's
analysis,opinions,statements,conclusions,and the appraiser's certification.
2. 1 accept full responsibility for the contents of this appraisal report including,but not limited to,the appraiser's analysis,
opinions,statements,conclusions,and the appraiser's certification.
3. The appraiser identified in this appraisal report is either a sub-contractor or an employee of the supervisory appraiser(or the
appraisal firm),is qualified to perform this appraisal,and is acceptable to perform this appraisal under the applicable state law.
4. This appraisal report complies with the Uniform Standards of Professional Appraisal Practice that were adopted and
promulgated by the Appraisal Standards Board of The Appraisal Foundation and that were in place at the time this appraisal
report was prepared.
5. If this appraisal report was transmitted as an"electronic record"containing my"electronic signature,"as those terms are
defined in applicable federal and/or state laws(excluding audio and video recordings),or a facsimile transmission of this appraisal
report containing a copy or representation of my signature,the appraisal report shall be as effective,enforceable and valid as if a
paper version of this appraisal report were delivered containing my original hand written signature.
APPRAISER SUPERVISORY APPRAISER(ONLY IF REQUIRED)
Signature ( A Signature
Name Christopher M.Cole tock Name
Company Name Colestock Appraisal Services Company Name
Company Address 300 Glenn Rd Company Address
Camp Hill,PA 17011
Telephone Number 7177325515 Telephone Number
Email Address cole96CrDcomcast.net Email Address
Date of Signature and Report 02/26/2015 Date of Signature
Effective Date of Appraisal 02/26/2015 State Certification#
State Certification#RL139151 or State License#
or State License# State
or Other(describe) State# Expiration Date of Certification or License
State PA
Expiration Date of Certification or License 06/30/2015
ADDRESS OF PROPERTY APPRAISED SUBJECT PROPERTY
138 Salem Church Rd ❑Did not inspect subject property
Mechanicsburg,PA 17055 O Did inspect exterior of subject property from street
Date of Inspection
APPRAISED VALUE OF SUBJECT PROPERTY$153,000 ❑Did inspect interior and exterior of subject property
Date of Inspection
LENDER/CLIENT
Name No AMC COMPARABLE SALES
Company Name Private 0 Did not inspect exterior of comparable sales from street
Company Address ❑Did inspect exterior of comparable sales from street
Date of Inspection
Email Address
Freddie Mae Pone 70 March 2005 UAD Vemlon 912011 No&-dg ACI soft—e.900139.8727 cox %ehmm Farne Mae Farm 1009 March 2005
Page 6 D76 100/OSUAD07232019
CHRIS COLESTOCK
Colestock Appraisal Services
Uniform Residential Appraisal Report File No. 138salemchurch
FEATURE SUBJECT COMPARABLE SALE NO.4 COMPARABLE SALE NO.5 COMPARABLE SALE NO.6
138 Salem Church Rd 6061 Edward Dr 302 James St 445 Silver Spring Rd
Address Mechanicsbur PA 17055 Mechanicsburg,PA 17050 Mechanicsburg,PA 17055 Mechanicsburg,PA 17050
Proximity to5uh'ect 0.64 miles NE 1.78 miles SE 0.48 miles SW
Sale Price is 182,000 S 147,900 S 179,900
Sale Price/Gross Liv.Area S 0.00 sq.ft. S 121.33 sq.ft. S 142.21 sq.f, S 160.63 sq.ft.
Data Sources CPMLS#10248835'DOM 4 CPMLS#10263694•DOM 8 CPMLS#10263266•DOM 53
Verification Sources CPML Tax Records CPML Tax Records CPML Tax Records
VALUE ADJUSTMENTS DESCRIPTION DESCRIPTION )SAd'estment DESCRIPTION f.)s Adjusawl DESCRIPTION Act.urtern
Sale or Financing ArmLth 0 Listing 0 Listing 0
Concessions FHA;1525 -1525 00 0 •0 0
Date of Salerrime sO4/14'cO2/14 Active -4,437 Active -5,397
Location N;Res; N;Res; N;Res; N;Res;
Leasehold/Fee Simple Fee Simple Fee Simple Fee Simple Fee Simple
Site 24829 sf 12197 sf 0 11326 sf 0 1.25 ac -3,400
View N;Res; N;Res; N;Res; N;Res;
Design(Style) DT1•Ranch DT1;Bi-Level 0 DT1:Ranch DT1•Ranch
Qualtir of Construction Q4 Q4 Q4 Q4
Actual Age 55 41 0 56 0 47 0
Condition C3 C3 C3 C3
Above Grade Total Brim Baths Tota Bdr ns Baths Taal Bdrs. Baths Total Bdmts Baths
Room Count 6 3 1 1.0 7T4 1 1.0 0 6 1 3 1 1.0 6 3 1 1.0
Gross Living Area 25 988 sq.ft. 1,500 sq.ft. -12,800 1,040 sq.it -1,300 1,120 s.ft. -3,300
Basement&Finished 988sf494sfin 1160sf800sfwo 0 1040sfOsfin 0 1120sf486sfwo 0
Rooms Below Grade 1 rrObrO.ObaOo 1 rrl brl.ObaOo -6,000 6,000 1 rrObrO.1 baOo -1,500
Functional Utility Average Average Average Average
Heating/Cooling FWA C/Air FWA C/Air FWA C/Air FWA C/Air
Energy Efficient Items None Noted None Noted None Noted None Noted
GaragetCarport 1c 2dw 1 bi2dw -1,500 1c 2dw 2c 2dw -1,500
PDrcn/Patio/Deck Porch Patio Porch Deck Pato -2,000 Porch Patio Porch Deck 0
1 F/P Fence 0 1 F/P None 2,000
Net Adjustment(Total) + W• Is 23,825 W, S 263 + X• Is 13,097
•Adjusted Sale Price Net Adj. -13.1% 1 Net Adj, 0.2% Net Adj. -7.3%
of Comparables Gross Ad. 13.1%1$ 158,175 GmssAlf. 7.9%1$ 148,163 1 Gross di. 9.5%1$ 166,803
ITEM SUBJECT COMPARABLE SALE NO.4 COMPARABLE SALE NO.5 COMPARABLE SALE NO.6
• Date of Prior Sale/Transfer
Price of Prior Salerfransfer
Data sources County Records County Records County Records County Records
• Effective Date of Data Sources 02/26/2015 02/26/2015 02/26/2015 02/26/2015
Summary of Sales Comparison Approach
Freddie Mac Form 20 March 2005 DAD Version 912011 Rod cl u g Act sohAaa 800174.8121—acimb— Forme Mae Farm 1004 March 2005
1004 MUAD07222014
Colestock Appraisal Services
Uniform Appraisal Dataset Definitions File No. 138salemchurch
Condition Ratings and Definitions
C1 The improvements have been very recently constructed and have not previously been occupied.The entire structure and all components are new and the dwelling features no
physical depreciation.'
'Note:Newly constructed improvements that feature recycled materials and/or components can be considered new dwellings provided that the dwelling is placed on a 700%new
foundation and the recycled materials and the recycled components have been rehabilitated/re-manufactured into like-new condition.Recently constructed improvements that have
not been previously occupied are not considered'new'if they have any significant physical depreciation if e.,newly constructed dwellings that have been vacant for an extended
period of time without adequate maintenance or upkeep).
C2 The improvements feature no deferred maintenance,little or no physical depreciation,and require no repairs.Virtually all building components are new or have been recently
repaired,refinished,or rehabilitated.All outdated components and finishes have been updated and/or replaced with components that meet current standards.Dwellings in this category
either are almost new or have been recently completely renovated and are similar in condition to new construction.
'Note:The improvements represent a relatively new property that is well maintained with no deferred maintenance and little or no physical depreciation,or an older property that has
been recently completely renovated.
C3 The improvements are well maintained and feature limited physical depreciation due to normal wear and tear.Some components,but not every major building component,may
be updated or recently rehabilitated.The structure has been well maintained.
Note:The improvement is in its first-cycle of replacing short-lived building components(appliances,Boor coverings,HVAC,etc.)and is being well maintained.Its estimated effective age
is less than its actual age.It also may reflect a property in which the majority ofshort-lived building components have been replaced but not to the level of a complete renovation.
C4 The improvements feature some minor deferred maintenance and physical deterioration due to normal wear and tear.The dwelling has been adequately maintained and requires
only minimal repairs to building components/mechanical systems and cosmetic repairs.All major building components have been adequately maintained and are functionally adequate.
'Note:The estimated effective age may be close to or equal to its actual age.It reflects a property in which some of the short-lived building components have been replaced,and some
short-lived building components are at or near the end of their physical life expectancy;however,they still function adequately.Most minor repairs have been addressed on an ongoing
basis resulting in an adequately maintained property.
C5 The improvements feature obvious deferred maintenance and are in need of some significant repairs.Some building components need repairs,rehabilitation,or updating.The
functional utility and overall livability is somewhat diminished due to condition,but the dwelling remains useable and functional as a residence.
'Note:Some significant repairs are needed to the improvements due to the lack of adequate maintenance.It reflects a property in which many of its short-lived building components are
at the end of or have exceeded their physical life expectancy but remain functional.
C6 The improvements have substantial damage or deferred maintenance with deficiencies or defects that are severe enough to affect the safety,soundness,or structural integrity
of the improvements.The improvements are in need of substantial repairs and rehabilitation,including many or most major components.
'Note:Substantial repairs are needed to the improvements due to the lack of adequate maintenance or property damage.It reflects a property with conditions severe enough to affect
the safety,soundness,or structural integrity of the improvements.
Quality Ratings and Definitions
Q1 Dwellings with this quality rating are usually unique structures that are individually designed by an architect for a specified user.Such residences typically are constructed from
detailed architectural plans and specifications and feature an exceptionally high level of workmanship and exceptionally high-grade materials throughout the interior and exterior of the
structure.The design features exceptionally high-quality exterior refinements and ornamentation,and exceptionally high-quality interior refinements.The workmanship,materials,and
finishes throughout the dwelling are of exceptionally high quality.
Q2 Dwellings with this quality rating are often custom designed for construction on an individual property owner's site.However,dwellings in this quality grade are also found in
high-quality tract developments featuring residences constructed from individual plans or from highly modified or upgraded plans.The design features detailed,high-quality exterior
ornamentation,high-quality interior refinements,and detail.The workmanship,materials,and finishes throughout the dwelling are generally of high or very high quality.
Q3 Dwellings with this quality rating are residences of higher quality built from individual or readily available designer plans in above-standard residential tract developments or on
an individual property owner's site.The design includes significant exterior ornamentation and interiors that are well finished.The workmanship exceeds acceptable standards and
many materials and finishes throughout the dwelling have been upgraded from'stock"standards.
Q4 Dwellings with this quality rating meet or exceed the requirements of applicable building codes.Standard or modified standard building plans are utilized and the design includes
adequate fenestration and some exterior ornamentation and interior refinements.Materials,workmanship,finish,and equipment are of stock or builder grade and may feature some
upgrades.
Q5 Dwellings with this quality rating feature economy of construction and basic functionality as main considerations.Such dwellings feature a plain design using readily available or
basic floor plans featuring minimal fenestration and basic finishes with minimal exterior ornamentation and limited interior detail.These dwellings meet minimum building codes and are
constructed with inexpensive,stock materials with limited refinements and upgrades.
Q6 Dwellings with this quality rating are of basic quality and lower cost;some may not be suitable for year-round occupancy.Such dwellings are often built with simple plans or
without plans,often utilizing the lowest quality building materials.Such dwellings are often built or expanded by persons who are professionally unskilled or possess only minimal
construction skills.Electrical,plumbing,and other mechanical systems and equipment may be minimal or non-existent.Older dwellings may feature one or more substandard or
non-conforming additions to the original structure.
Definitions of Not Updated,Updated,and Remodeled
Not Updated
Little or no updating or modernization.This description includes,but is not limited to,new homes.
Residential properties of fifteen years of age or less often reflect an original condition with no updating,if no major components have been replaced or updated.Those over fifteen
years of age are also considered not updated if the appliances,fixtures,and finishes are predominantly dated.An area that is'Not Updated'may still be well maintained and fully
functional,and this rating does not necessarily imply deferred maintenance or physical/functional deterioration.
Updated
The area of the home has been modified to meet current market expectations.These modifications are limited in terms of both scope and cost.
An updated area of the home should have an improved look and feel,or functional utility.Changes that constitute updates include refurbishment and/or replacing components to meet
existing market expectations.Updates do not include significant alterations to the existing structure.
Remodeled
Significant finish and/or structural changes have been made that increase utility and appeal through complete replacement and/or expansion.
A remodeled area reflects fundamental changes that include multiple alterations.These alterations may include some or all of the following: replacement of a major component
(cabinet(s),bathtub,or bathroom tile),relocation of plumbing/gas fiixturesiappliances,significant structural alterations(relocating walls,and/or the addition of square footage).
This would include a complete gutting and rebuild.
Explanation of Bathroom Count
The number of full and half baths is reported by separating the two values by a period.The full bath is represented to the left of the period.The half bath count is represented to the
right of the period.Three-quarter baths are to be counted as a full bath in all cases.Quarter baths(baths that feature only toilet)are not to be included in the bathroom count. i
i
UAO version 912011 PraQc .in9AC1soMme8D0231.6727wweawb.mm 100/05UAD 0722201/
Url=Appraisal Dataset Wnnuns I
f
(
t
1
Colestock Appraisal Services
Uniform Appraisal Dataset Definitions File No. 138salemchurch
Abbreviations Used in Data Standardization Text
Abbrev. Full Name Appropriate Fields Abbrev. Full Name Appropriate Fields
ac Acres Area,Site in Interior Only Stairs Basement&Finished Rooms Below Grade
AdjPrk Adjacent to Park Location Lndn Landfill Location
AdjPwr Adjacent to Power Lines Location LtdSghl Limited Sight View
A Adverse Location&View Listing Listing Sale or Financing Concessions
Armt.th Arms Length Sale Sale or Financing Concessions MR Mid-Rise Structure Design(Style)
AT Attached Structure Design(Style) Mtn Mountain View View
be Bathroom(s) Basement&Finished Rooms Below Grade N Neutral Location&View
br Bedroom Basement&Finished Rooms Below Grade NonArm Non-Arms Length Sale Sale or Financing Concessions
B Beneficial Location&View op Open Garage/Carport
BsyRd Busy Road Location o Other Basement&Finished Rooms Below Grade
cp Carport Garage/Carport 0 Other Design(Style)
Cash Cash Sale or Financing Concessions Prk Park View View
ClySky City View Skyline View View Pstrl Pastoral View View
CtySIr City Street View View PwrLn Power Lines View
Comm Commercial Influence Location PubTrn Public Transportation Location
c Contracted Date Date of SaleRme rt Recreational(Rec)Room Basement&Finished Rooms Below Grade
Conv Conventional Sale or Financing Concessions Relo Relocation Sale Sale or Financing Concessions
cv Covered Garage/Carport REO REO Sale Sale or Financing Concessions
CrtOrd Court Ordered Sale Sale or Financing Concessions Res Residential Location&View
DOM Days On Market Data Sources RT Row or Townhouse Design(Style)
DT Detached Structure Design(Style) RH Rural Housing-USDA Sale or Financing Concessions
dw Driveway Garage/Carport SD Semi-detached Structure Design(Style)
Estate Estate Sale Sale or Financing Concessions s Settlement Date Date of Salerl'ime
e Expiration Date Date of Sale/Time Short Short Sale Sale or Financing Concessions
FHA Federal Housing Authority Sale or Financing Concessions sf Square Feet Area,Site,Basement
g Garage Garage/Carport sqm Square Meters Area,Site,Basement
ga Garage-Attached Garage/Carport Unk Unknown Date of Sale/Time
gbi Garage-Built-in Garage/Carport VA Veterans Administration Sale or Financing Concessions
gd Garage-Detached Garage/Carport wo Walk Out Basement Basement&Finished Rooms Below Grade
GR Garden Structure Design(Style) wu Walk Up Basement Basement&Finished Rooms Below Grade
GlfCse Golf Course Location WtrFr Water Frontage Location
Glfvw Golf Course View View Wtr Water View View
HR High Rise Structure Design(Style) w Withdrawn Date Date of Safe/Time
Ind Industrial Location&View Woods Woods View View
Other Appraiser-Defined Abbreviations
Abbrev. Full Name Appropriate Fields Abbrev. Full Name Appropriate Fields
UAD Vasim 912011 Rod-1,rq ACI d. 27 wxw.edWb.mm im_oU oom2014
UnOa Appraisal Dataset Defm9bns
ADDENDUM
Borrower. Private File No.: 138salemchurch
Property Address: 138 Salem Church Rd Case No.:
City: Mechanicsburg State: PA Zip: 17055
Lender. Private
Neighborhood Market Conditions
There are no foreseeable economic trends which might significantly influence market conditions in this area.The current
mortgage market offers a wide variety of conventional loans with competitive interest rates.As a result,the terms of
financing have little,if any,impact on sale prices.If interest rates remain reasonable,property values and marketability
should be stable.
Comments on Sales Comparison
After a thorough search of all available market data,the sales used are considered to be the best indicators of value.
Appropriate adjustments have been made for all differences.All sales are considered to be reliable indicators of value,and
are weighted similarly in the final reconciliation.Comparable sales used are all closed sales.A thorough search for
comparable sales has been made to find sales which bracket the final value estimate.Other comparables analyzed would
have required less desirable adjustments and were not used for that reason.All comparable sales are located in the same
market area as the subject and would be considered by the same prospective purchaser of all were on the market at the
same time as the subject.The appraiser has selected the best comparables available currently.
The comp pictures used are from the MLS Service. An exterior inspection was performed to ensure the accuracy of the
photos.
The subject home's value is greater than the predominant value for the area. The subject home is not an overimprovement
and this has no negative effect on the marketability of the home.
There were no time adjustments made for homes that closed over 6 months ago. This market area is stable in values,and
there was not enough market data to warrant any time adjustments.
I certify,as the appraiser,that I have completed all aspects of this valuation,including reconciling my opinion of value,free
of influence from the client,client's representatives,borrower,or any other party to the transaction.
The MLS numbers were added to the sales/financing line item on the grid.
The sales used in this report are void of foreclosure or non-arms length sales. This was confirmed through the MLS and
county tax database.
The lot adjustments that were made were based on the value of excess land. These adjustments were based on the
assessment data for this area,as there were no current sales of excess land. The adjustments were made on the
conservative side of the value range. There were no adjustments made for differences of less than.50 acre. The
adjustments made were for size only. The adjustment made for this was based on a$5,000 per acre adjustment.
It is noted that the range of values for this report is larger than normal,or 15%adjusted and 25%unadjusted. This was due
to the lack of similar homes at this time. The homes that were used were the most similar to the subject home at this time.
These homes would appeal to similar buyers of the subject home and are considered reliable indicators of value.
It is noted that comparable#2 is located outside the normal 1 mile radius from the subject home and comparable#2 and#4
are located across Rtes 11 and 581. This was also due to the lack of similar sales at this time. These homes were located
in similar areas as the subject home and are the most appropriate at this time. There were no location adjustments made at
this time,as the market data did not show any negative impact on the markteability of the homes due to their locations.
It is noted that comparables#3 and#4 are larger than the subject home,by more than 20%. These homes were used due
to the nature of the construction,amenities and condition of the homes. These homes have been adjusted for differences
and are considered appropriate at this time.
There were no age or condition adjustments made for this report as the homes selected were of similar age and condition.
It is noted that comparable#4 is outside the normal 6 months from closing. This was also due to the lack of similar sales at
this time in this area. The homes selected were from similar areas and of similar construction. There were no time
adjustments made as this area is relatively stable for homes of this value and customization.
These homes were the most comparable to the subject home at this time.
The utilities were on and functioning at the time of inspection.
Comparable Search Data Parameters.
The appraiser initially searched a radius of 1 mile from the subject home for homes that were ranch to 2 story homes.This
search was for homes built within 10 years of the subject's age and square footage of 800 to 1600.These homes were
between 3-5 bedrooms and closed within the last 6 months.The quality of materials and amount of amenities were to be
similar.Due to the limited number of sales,the appraiser had to extend the search parameters to a distance of 2 miles with
using homes that were outside the normal search guidelines.The closing dates had to be moved out to 12 months in order
to find homes to bracket all aspects of the subject home.The most comparable homes were selected based on the above
criteria,and adjustments were made for the differences. The homes were selected from similar areas as the subject home
and were the most comparable at this time. The sales in this area are very limited and even more limited for homes of the
subject's size and amenities. The search parameters had to be extended in order to find homes of the quality and condition
as the subject home. The appraiser selected the most appropriate homes at this time and has made adjustments for the
differences. There were simply very few sales of similar homes in this area,therefore the appraiser had to expand the
search parameters to other areas that are considered comparable. This was the best that could be done at this time. In the
expanded search the BEST available similar characteristic comparables were chosen to be reconciled and adjusted
accordingly.The comparable properties selected are considered the best available and most comparable,therefore included
and reconciled within this appraisal report.All adjustments made for comparable dissimilarities are market derived according
to FNMA guidelines.Comparable adjustments are made as warranted when market research deems verifiable,justifiable
Addendum Page i d 3
t
I
ADDENDUM
Borrower. Private File No.: 138salemchurch
Property Address: 138 Salem Church Rd Case No.:
City: Mechanicsburg State: PA Zip: 17055
Lender. Private
and credible.Please note that AVM data may not be deemed as arms length reliable or verifiable subject similar data and
may or may not be included within sales range listed on the top of page#2 of the appraisal report.
The subject home is located in the FEMA disaster area for Hurricane Sandy,Irene and Lee and the storms of 2014. There
was no damage to the subject home due to the high wind,heavy rains or flooding associated with Hurricane Sandy,Irene
and Lee and the storms of 2014. The neighborhood appeared to be in good condition and no damage was visible at the
time of this inspection. There is no effect on the value or marketability of the subject home due to this storm or the FEMA
disaster area designation.
CPML stands for Central Penn Multi-List Service.
The exposure time for this property is estimated at 3-6 months based on the market data available. This would be the
estimated length of time that the property interest being appraised would have been offered on the market prior to the
hypothetical consummation of a sale at market value on the effective date of the appraisal.
The concessions reported in this appraisal were of either cash or credit towards the lender's fees and closing costs
associated with the loan. This is common and typical for this market area and has no negative effect on the marketability of
the home.
There were no style adjustments made as the market data did not warrant them at this time.
There were no adjustments made for differences in bedroom count,as the market data did not warrant them at this time.
The site value for this home is$40,000. The cost approach was not completed due to the age of the home.
The plat map was added to the report for the site dimensions. The legal description was not available through the course of
normal business at this time.
The appraiser attempted to use paired data analysis for the adjustments in this report. When the market data was not
available to be able to complete this,the appraiser relied on his experience in this market area and previous appraisals.
The appraiser attempted to bracket all aspects of the subject home in this appraisal.
The adjustments made for the finished basement area were based on a per room adjustment. The rec room area for these
homes were adjusted by$6,000,$3,000 for a bedroom/den,$3,000 for a full bathroom and$1,500 for a half bath. This was
based on the limited market data,as well as previous appraisals that were completed for similar homes in this area. This
was the best that could be done at this time based on the current market data.
The vacant land for this report was comprised of undeveloped farmland/woodlands,parks,utility access and municipal land.
All adjustments made in this report were based on the market data available and the appraiser's experience and previous
appraisals in this market area. This was the best that could be done at this time.
The adjustment made for central air was set at$3,000. This was based on the limited market data,the appraiser's
experience in this market area and previous appraisals completed in this market area.
The adjustment made for extra fireplaces was set at$2,000. This was based on the limited market data,the appraiser's
experience in this market area and previous appraisals completed in this market area.
The adjustments made for fences,porches,patios,decks and balconies was set at$2,000. This was based on the limited
market data,the appraiser's experience in this market area and previous appraisals completed in this market area.
The adjustments made for garages was based on$3,000 per car storage and$1,500 per car for carports. This was based
on the limited market data,the appraiser's experience in this market area and previous appraisals completed in this market
area.
It is noted that the subject home is in close proximity to commercial areas,major roadways,industrial areas,industrial areas
and vacant land. The market data did not show any negative impact on the marketability of the homes in this report due to
these areas. There were no adjustments made for these areas as the homes selected were all from the same market area
and would be influenced in the same manner from these areas. There is no negative external influences for this home.
Sales concessions are common and typical in this market area and range from 0-6%on average. The concessions were
adjusted for in this report as the market data that this is customary for this market area. The adjustments made for this were
based on the amount the sales prices were inflated to accomodate the concessions.
There were no adjustments made for difference in bedroom count of 25%or more as the market data did not warrant them
at this time.
There were no adjustments made for difference in basement square footage of 25%or more as the market data did not
warrant them at this time.
Final Reconciliation
This appraisal assumes a reasonable marketing period for the subject property of four months.The Sales Comparison
Analysis reflects recent activity in the market place and is given the most weight.All comparable properties are of similar
construction and located in like geographical and demographic areas.The Appraiser has chosen the best comparables
available.Location and property are acceptable.
Refer to the attached Commonwealth of Pennsylvania State Board of Certified Real Estate Appraisers"Approved checklist
for assistants"for a detailed description of assistance provided to the state certified appraiser. This checklist is an integral
Fdderdum Page 2 of 3 ..
ADDENDUM
Borrower. Private File No.: 138salemchurch
Property Address: 138 Salem Church Rd Case No.:
City: Mechanicsburg State: PA Zip: 17055
Lender. Private
part of this report,and its inclusion in this report is mandated by regulation of the State Board of Real Estate Appraisers.
Assistance as described on checklist was provided by Jason S Gossard.
I have no current or prospective interest in the subject property or the parties involved;and no services were performed by
the appraiser within the 3 year period immediately preceding the acceptance of this assignment,as an appraiser or in any
capacity.
Conditions of Appraisal
This appraisal report has been prepared with the property in"as is'condition.No repairs are needed or required.No
personal property has been included in this valuation.The appraiser considered only those items that were permanently
attached to the property as realty.Any items not so affixed,such as refrigerators,washers,dryers,above ground swimming
pools,etc.,were not included in the estimate of the market value.According to records provided by the county assessment
office,the subject property has not transferred in the past year.The electronic signature on this report has a security feature
maintained by a password that allows no person to alter this report with the exception of the original signing appraiser."This
summary appraisal report is intended for use by the lender/client and its"successor and/or its assigns"for a mortgage
finance transaction only. This report is not intended for any other use"
The intended user of this appraisal is the Lender/Client. The intended use is to evaluate the property that is the subject of
the appraisal for a mortgage finance transaction,subject to the stated Scope of Work,purpose of the appraisal,reporting
requirements of this appraisal report form,and definition of market value. No additional Intended Users are identified by the
appraiser.
Addend=Page 3 of 3
l
li
u
Colestock Appraisal Services
Market Conditions Addendum to the Appraisal Report File No. 138salemchurch
The purpose of this addendum is to provide the lender/client with a clear and accurate understanding of the market vends and conditions prevalent in the subject neighborhood.This is a required
addendum for all appraisal reports with an effective date on or after April 1 2009.
PropertyAddress 138 Salem Church Rd City Mechanicsburg State PA 2i Code 17055
Borrower Private
Instructions: The appraiser must use the information required on this form as the basis for his/her conclusions,and must provide support for those conclusions,regarding housing Vends and
overall market Cond'Nons as reported in the Neighborhood section of the appraisal report form.The appraiser must fill in all the information to the extent it is available and reliable and must provide
analysis as indicated below.If any required data is unavailable or is considered unreliable,the appraiser must provide an explanation.It is recognized that not all data sources will be able to
provide data for the shaded areas below:if it is available,however,the appraiser must include the data in the analysis.If data sources provide the required information as an average instead of the
median,the appraiser should report the available figure and idemify it as an average.Sales and listings must be properties that compete with the subject property,determined by applying the criteria
that would be used by a prospective buyer of the subject DrODe .The aDDraiser must ex Iain anv anomalies in the data such as seasonal markets new construction foreclosures etc.
,tnvenitory Analysis Prior 7-12 Months Prior 4-6 Months Current-3 Months Overall Trend
Total#of Comparable Sales(Settled) 1 1 4 Increasin X Stable Declinin
Absorption Rate(Total Sales/Months) 0.17 0.33 1.33 Increasin X Stable Declining
Total#of Comparable Active Listings 0 0 3 Dedlinin`' X Stable 1WIncreasin
Months of Housing Supp (Total Listin s/Ab.Rate) "0.00 0.00 2.26 Declining X Stable Increasin
Median Sale&LisLPrlce DOM,Sale/Ust% - Prior 7-12 Months Prior 4-6 Months Current-3 Months Overall Trend
Median Comparable Sale Price 182,000 159,900 149.750 1 Increasing JXJStable Declining
Median Comparable Sales Das on Market 4 113 6 Declinin rSWbllle ble increasing IMedian Comparable List Price 0 0 172 800 Increasin Detf nin
Median Com arable Listin s Da s on Ma ket QQ 22 X Declinin be Increas nMedian Sale Price as%of List Price 100.00% 99.00% 97.00% Increasin ble DeclininSeller-(developer,builder,etc.)paid financial assistance prevalent? Yes X No Declining be Increasin
Explain in detail the seller concessions trends for the past 12 months(e.g.,seller contributions increased from 3%to 5%,increasing use of buydowns,closing costs,condo fees,options,etc.).
Seller concessions are common for this market area. The market data does not show any abnormal increase or decrease in seller
concessions.
Are foreclosure sales(REO sales)a factor in the market? U Yes X No If yes.explain(including the trends in listings and sales of foreclosed properties).
Cite data sources for above information. MLS and County Tax Database
Summarize the above information as support for your conclusions in the Neighborhood section of the appraisal report form.If you used any additional information,such as an analysis of
pending sales and/or expired and withdrawn listings,to formulate your conclusions,provide both an explanation and support for your conclusions.
The subject's market area is currently stable for home values. This area has not shown an abnormal increase or decrease in property
values at this time.The zeros in this form represent actual values.
Ifthesubject isaunit inacondominium orcooperative roect,compietethefollowin : Pro'ectName:
Subject Project Data Prior 7-12 Months Prior 4-6 Months Current-3 Months Overall Trend
Total#of Comparable Sales(Settled) Increasing Stable Declining
Absorption Rate(Total Sales/Months) Increasing Stable Declining
Total#of Active Comparable Listings Declinin Stable increasing
Months of Unit Supply(Total Listings/Alb.Rate) Declin I I Stable 11 1 Increasin
Are foreclosure sales(REO sales)a factor in the project? Yes LJ No If yes,indicate the number of REO listings and explain the trends in listings and sales of foreclosed properties.
Summarize the above trends and address the impact on the subject unit and project.
APPRAISER SUPERVISORY APPRAISER(ONLY IF REQUIRED)
Signature at-� Signature
Name Christopher M.Colestock Name
Company Name Colestock Appraisal Services Company Name
Company Address 300 Glenn Rd Company Address
Camp Hill,PA 17011
State License/Certification#RLI 39151 State PA State License/Certification# State
Email Address cole960_comcast.net Email Address
Freddie Mac Farm 71 Mvch 2009 ROAxed m4 ACI sd v c.900.271987 ww mcmb— Fannie Mae Farm 1004MC March 2009
Page 1 11 1004MC_200909M
DIMENSION LIST ADDENDUM
Borrower: Private File No.: 138salemchurch
Property Address:138 Salem Church Rd Case No.:
City:Mechanicsburg State:PA Zip:17055
Lender:Private
GROSS BUILDING AREA(GBA) 988
GROSS LIVING AREA(GLA) 988
Area(s) Area %of GLA %ofGBA
Living 988 100.00
Level 1 988 100.00 100.00
Level 0 0.00 0.00
Level 0 0.00 0.00
Other 0 0.00 0.00
GBA
Basement ❑ 988
Garage ❑ 286
Area Measurements Area Type
Measurements Factor Total Levell Level2 Level3 Other l3smt. Garage
38.00 x 26.00 x 1_00 = 988.00 Qx ❑ ❑ Q Qx Q
26.00 x 11.00 x 1.00 = 286.00 ❑ ❑ ❑ ❑ ❑ ❑O
x x _ = O o ❑ ❑ ❑ ❑
x x _ ❑ ❑ ❑ ❑ ❑ ❑
x x _ ❑ ❑ ❑ ❑ o ❑
x x _ ❑ ❑ ❑ ❑ ❑ ❑
x x _ ❑ ❑ ❑ ❑ ❑ ❑
x x _ _ ❑ ❑ O ❑ ❑ ❑
x x _ ❑ ❑ ❑ ❑ ❑ ❑
x x _ ❑ ❑ ❑ O ❑ ❑
x x _ ❑ ❑ ❑ ❑ ❑ ❑
x z _ ❑ ❑ ❑ ❑ ❑ ❑
x x = o ❑ ❑ o ❑ ❑
x x _ _ ❑ ❑ O O ❑ ❑
x x _ ❑ ❑ ❑ ❑ ❑ ❑
x x _ ❑ ❑ ❑ ❑ ❑ ❑
x x = o ❑ ❑ ❑ ❑ ❑
x x _ = ❑ ❑ ❑ ❑ ❑ O
x x _ ❑ ❑ ❑ ❑ ❑ ❑
x x = o ❑ ❑ ❑ ❑ ❑
x x _ = O O o ❑ ❑ ❑
x x = O ❑ ❑ o ❑ ❑
x x _ ❑ ❑ ❑ ❑ O o
x x _ ❑ ❑ ❑ o ❑ ❑
x x _ ❑ ❑ ❑ ❑ ❑ ❑
x x _ ❑ ❑ ❑ ❑ ❑ ❑
x x _ _ ❑ ❑ ❑ ❑ ❑ O
x x _ _ ❑ ❑ O ❑ ❑ O
x x _ _ ❑ ❑ O ❑ ❑ ❑
x x _ ❑ ❑ ❑ ❑ ❑ o
x x _ ❑ ❑ ❑ ❑ ❑ ❑
x x _ ❑ ❑ ❑ ❑ ❑ ❑
x x _ ❑ ❑ o ❑ ❑ ❑
x x _ _ ❑ ❑ ❑ ❑ ❑ O
x x _ ❑ ❑ o ❑ ❑ o
x x _ ❑ ❑ ❑ o o ❑
x x _ = O ❑ ❑ O ❑ ❑
x x _ ❑ ❑ O O ❑ ❑
x x _ ❑ ❑ ❑ O ❑ ❑
x x _ ❑ ❑ ❑ ❑ o ❑
x x _ = O ❑ ❑ o O ❑
x x _ ❑ ❑ o ❑ ❑ ❑
x x _ ❑ ❑ ❑ ❑ ❑ ❑
x x _ ❑ ❑ ❑ o ❑ ❑
x x _ ❑ o ❑ O o ❑
x x _ ❑ ❑ ❑ ❑ ❑ ❑
x x = o ❑ O ❑ ❑ O
x x _
x x _ ❑ ❑ ❑ ❑ ❑ ❑
x x _ ❑ ❑ ❑ ❑ ❑ ❑
x x _ ❑ ❑ ❑ o ❑ ❑
x x _ ❑ ❑ ❑ ❑ ❑ ❑
x x _ ❑ ❑ ❑ ❑ ❑ ❑
ROOrd Sieg ACI ftw-,MIAMI xw.vadxco.— MMIM72013 _
i
�f ,3k�ti- rti •t i. -
'Rr
!r+„s
���� :.�.� fir• "...'..�qli';' -•7�c.'��.iRz��� '�� + �
INTERIOR PHOTOS
$orrower: Private
Pro ert Address:138 Salem Church Rd File No.: 13ssalemchurch
City:Mechanicsbur Case No.:
Lender:Private State:PA Zi :17055
Kitchen
Comment:
a .
A
Living Area
Description:
Dining Room
Comment:
Bathroom
Description:
Bathroom
Comment:
vragceC�:y xc�,ahxe soozxerzr w.w�amm
0MKL8lamz0i3
E-TINUITMAROM.
AV
� PL
1 ,
w 4 ,
r
.. "�r
COMPARABLE PROPERTY PHOTO ADDENDUM
Borrower: Private File No.: 138salemchurch
Property Address:138 Salem Church Rd Case No.:
Com:Mechanicsburg State: PA Zip:17055
Lender:Private
COMPARABLE SALE#1
139 Salem Church Rd
Mechanicsburg,PA 17050
i Sale Date:s01/15;c12114
- Sale Price:S 149,000
��}.`� � �.l.I r�.i ^"'M��%SM ir"•1'.f�'I px yi � '�yt47'L 1.1� � �'�_
,tet "�`f``.:,,,+M,,,;�rrw4��.�`.�'ai}�J�r a•E��z tr7JM� �'.Y', +.fir
'2"n• '•'Y.+yh e., 'y- M �r{'t' f•1�K ".�'.`�'a'J''`'�+' "c'
�K.� z��t�,�•'` �a+ �����.;�*r41�i� y�%�-i«+�err^ S+,
COMPARABLE SALE#2
'.� " 108 Hampden Ave
Ca
Camp Hill,PA 17011
+. r
•- Sale Date:S01/15;C11!14
Sale Price:S 157,000
IL _
Al
COMPARABLE SALE#3
- - a' ' ► 499 Linden St
s a ¢_• _ Mechanicsburg,PA 17050
MlR�flltg
Sale Date:s10/14;c09/14
Sale Price:$159,000
x E=1 ri.^.SLI r p G"'' E
COMPARABLE PROPERTY PHOTO ADDENDUM
Borrower:Private File No.: 138salemchurch
Property Address:138 Salem Church Rd Case No.:
City:Mechanicsburg State: PA Zip:17055
Lender:Private
COMPARABLE SALE#4
3 �na
6061 Edward Dr
rv3 Mechanicsburg,PA 17050
E ' Sale Date:s04/14;c02/14
.T Sale Price:$182,000
-'s
' � �•' �,,���� mart,.
i
a
" COMPARABLE SALE#5
302 James St
Mechanicsburg,PA 17055
Sale Date:Active
Sale Price:$147,900
COMPARABLE SALE#6
445 Silver Spring Rd
Mechanicsburg,PA 17050
Sale Date:Active
r ' Sale Price:$179,900
a
I
Borrower: Private File No.: 138salemchurch
Property Address:138 Salem Church Rd Case No.:
City:Mechanicsburg State: PA Zip:17055
Lender:Private
Bedroom
Lower Level Rec Room
Unfinished Basement
x
Ann nusogncis*-800234.8727 wecwb— PHT305212013
FLOORPLAN SKETCH
Borrower: Private File No.: 138salemchurch
Property Address:138 Salem Church Rd Case No.:
City:Mechanicsburg State: PA Zip:17055
Lender:Private
_
� I �
- _
(cm t X75 -_
- T _
_LL:
-: i.... .. ... .:- .-.-.- -
i4NE
47 - -
i
_ —
Ti
Sketch by Apex IV Windows"
AREA CALCULATIONS SUMMARY .. LMNG AREA BREAKDOWN
Code' Description "'-Size Totals - ' I .-Breakdown Subtotals -
GLA3 F ret Floor 988.00 986.00 Firet Floor
GAA Carport 286.00 286.00 26.0 x 38.0 988.00
j
t
.Y
TOTAL UNABLE (rounded) 988 1 Area Total(rounded) 988
Uaw:..,::aN[i::�z.ca+str`•r�t+�Ksre�riNpSr ��rr m"cz.apse+->ru'ru:;.vu*�..x-.�'?wti *i �a:.aEw3 :�tn+nASs�'�utiistax^rswA. =g,:;c;.a�,.a�.a:wi-,a rya...��c+�,;.3�a
300 Glenn Road,Camp Hill,PA 17011
PLAT MAP
Borrower:Private File No.: 138salemchurch
Property Address:138 Salem Church Rd Case No.:
City:Mechanicsburg State: PA Zip:17055
Lender:Private
Parcelsearch f"'
O�
SALEM CHURCH ROAD
PIN:10-20-1838-021 "4
DeEdbook*.00175-00204
wner:STUCK,ANNA M
.3E
Land Use Code:10 1
Property Type: -
I Square Feet:988
0
Taxable Status:T
'Clean&Green Status:
Land Assessed Value 674GO
2a la
r
21
0 252: 3
I �
� E
2
o, c? 0.60Ac♦
o
r
t ..
•380:00 � ''
2:2 0
.0
04.78M;
p
0 4.01 00
0
0
A 0.841 Aa..
00
23
300 Glenn Road,Camp Hill,PA 17011
i
LOCATION MAP
Borrower:Private File No.: 138salemchurch
Property Address:138 Salem Church Rd Case No.:
CitY:Mechanicsburg Slate:PA Zip:17055
Lender:Private
massa, a,zs#i)"r �a""i~ sat o �afiay
awry
--�,;,��w�'�'•- �. y�� Fr�Bhlandr�, rpt � -�h � Ot
Rd
fvdqv
i
� 5
t:
N
A6,
1':a 21 Comparable Sale 4
i 6061 Edward Dr
szMechanicsburg,PA 17050
Comparable Sale 1
0.64 miles NE (E
139 Salem Church Rde
� l_.. sd+3a
RL. o
Mechanicsburg,PA 17050 hyr �t7.' N't w
,.0.06 miles SW
r - 11 - - - - '� ��"�_ srhy, - •°Gi aGl' � � ° frk ro� cat-. �' `,{
c``• .� .. its n r 1 ;, Comparable Sale 2 il
r . f 108 Hampden Ave
Camp Hill,PA 17011 i
1.89 miles SE
Carlisle Pl I
_ Subject" r;, ,., c
ot?A } 138 Salem Church Rd i Hampden Park
t Comparable Sale 6 ( Mechanicsburg,PA,17055�
445 Silver Sp ring Rd o
\
Mechanicsburg,PA1 7050 ; 3 �rtyeRd
i 0.48 miles SW °
Comparabje Sale 3 0
499 Linden St ya
q
Mechanicsburg,PA 17050 641
Fi -------—-- _ -
dad 0.613 miles SE Shi
- -
r , - Comparable Sale 5
302 James St Ndlaail SX
y Mechanicsburg,PA 17055 * oa
v' 1.78 miles.SE
bt x ^
,� - .Sitc�F, AUpu Oc4 S
,MechaRir,Sburg 641 St aQiyt
1 14 65iM4� L °rrr� N
t
W SaMPwl:5 r5,z,St
W Y
a0 Melbourne Place�s ! :c a � _ _-.
AV
W3'6ta 02015 Google
300 Glenn Road,Camp Hill,PA 17011
Borrower: Private File No: 138salemchurch
Property Address:138 Salem Church Rd Case No
City:Mechanicsburg State:PA Zip:17055
Lender:Private
ATTAC14MENT I
BOARD APPROVED CHECKLISTFOR ASSI$TAAITSi
THE$OAfW HAS APPROVED 1MES CHECKLIST FOR USM 0Y A33ISTANT04rRAlt CC-0 vd-M-t AzeisylNG IN TIM
PERFORMANCE 012APPRAISALS.FOR 01JAUFYENG EXPEROEWS. A Cop'Y.OF,THE CHECKUsT IS TO BE
ONCLUDED IN Au.APPRAISAL;REPt}ft'LS.COMPLETED BY ASSISTANTSlTRAIM>^ : THE�GHECKLW SHOULD
BE RETAtfitl?D IN yokiR WORK POLE AN&INdLUDED WITH THE APPRAISAL`I;EPORTS THAT ARE REQUESTED
By THE BOARD.OFFICE. ,j CH CKLIST I$TO 89 USED fief A DDJ i713N TO THE RECOM E,(JTS QF43&i3tsr
aa WMCH MANDATES THAT TFf VfStNQ C. APFiRA15 SrErN AS` R Lab ft
fTfIT :arf�L7Af5Clt"Anti Jftti I THE ASSISTANT MUST BD MAL
Tia dPPR1ttSER" vett MAY COPY THE CHECKLIST AS NEEDED,
SuBir=cT PROP SAM,_W �tG IGnfnr
DATE OF INSPECTION
Theasslstant to the state Leri fled real estal4 appraiser for tMs report has ass4ted to the Wlow fOr"
Sat upther file With ag,formsand general Inform 3tionfor this resort.
Atssivad In.gatharirig and irntaring data.;kr foltbwv 1'ox Assistrrmni Intonna"on atxt map,Flood.Haxerd
tnfrirmntirin anti inapt'3ontnli jnlormattan and Tapp,iocation,£nf pend iPt tllartelformatt6m
L/ Ace'onipe!44 ai`d'asilsied[n thaImpictio.6 of the subject property.
Assisted Ili analyzing the Highest and Best use oftha mubfect,praparty,
Asslsted Err¢atderirig information for comparable land setas dala'«verlilled and analyzed the comparable
land s le.,data:.
Assisted'iii gattiiaring information for ftl9 Cost Approachh data,analyzed ans6ttleted the cost amounts.
Assisted In gathering information for the Income Approach date,varlfied and arWyzrd the rental data.
Axsixled In anther Iing intorrnatien for comparable markat saleti'data.,vcrdiad and artalycad the
comparable market sates data
Assiut+:d in;verjfying data�t the Tax Assessment C7#tlsae,Recorder ct Deeds Office,Goun S'l`ES monthly
report,County microfiche service andfor local AILS Service.
Assts£cd to#ire e.tsatiar tnaPac on of,fhc.e teal,i^antats,;tared area albor eoMpatabtsis,
Assi#tatf In sketch drawinV.
AtsIstod to entering surulectand cornParable data on the form and the data:In the eamment aims..
3/ A,Mce ted!n£inal,Psconclltaelon and final ostletwp of vatua,af the subJectproparly.
Asaiste+f in the finatrevie w of this report,
Asstvtod:lh pwil nq together and Pickafllnp the final report,
SIGNATURE OF ASS;OSTAblirMAINEE:
The siiparvidthif atitoi certified real estate;epprelser did revibw all work done by the ossistanthralnes and verifies
`iiia ssmisterrfttrainaa did assist tnrEth the items eliecltod atfava.
SIGNATURIE U RYISING ST TE CERTiFtED REAL ESTATE APPI:wwR:
300 Glenn Road,Camp Hill,PA 17011
Borrower: Private File No.: 138salemchurch
Property Address:138 Salem Church Rd Case No.:
City:Mechanicsburg State: PA Zip:17055
Lender:Private
Commonwealth of Pennti`ytt'ania 12, 0119874 1i
�{' Dcpa)-(t)t"�e�iF5talc
Bureau of Prof&iS'f63 Rud.O1 pational Affairs
P4 Ko�2644 Ilarrj9bur,,PA'I'7J()5 2649 y�
C Ce,6firateT)pe GerliQeateStatus
`. Certified Residential APFrotsor O yn ? ,.�� 1j� Active. 3
* 1
�
t�;
Initial C'ertificuiipa Dale>>
� s � �
OW112005
i:WUSTONER IA MESTOCtc ce„mate
3000LEANROA0 - \ntnher i
CA.,.:tffLL PA 17011
e RL139151 F.irtntion Datc
0613012015 'Y•. � a
./r/d+r.r*nl leW.rn �d�1n�5ui�W lKW� k�%.e'��I
300 Glenn Road,Camp Hill,PA 17011
Borrower:Private File No.: 138salemchurch
Property Address:138 Salem Church Rd Case No.:
City:Mechanicsburg State: PA Zip:17055
Lender:Private
I_EXINGTON'INSUFtANCE COMPANY'
1�i2I:'iL�GFIBi ,�I F:'X%-ARE:
;ivamerrarar at .sui izzarn%"i'rn.x:su a&x-ho
G�itiEcati lii}iiGPr €11ff35�26;161
Thai,'Ced'didate,Turms a patcaf Mast#fTo,ibV Humber'' >EN83B`iB76 0I"
Ei�n�waf sof htaister E+attcy�Aumber Q18:tF{9B76.`
1rOUR,4 PtERt%HA51NG GRDUF MASTER FL,QUCY tS A Cl3Y f5 EdIAC3E PtaLtG l:
tE2E 1117HEi1 '�AG1 Egh1ASTEf;f?fdLGEY:CJtiki ftiE1Y,`
Til .4717ERt 'ah1 Ae 1DE S1r L7r vFAT� EgT'n_E61�FPPJ?}SEit 1.
�ERTtFft:,,�;7E�EGGtC�±4Tt�7NS`
� CN�me and Rf�r�s ot�ertifiea4et6oYdcr. Chrisdo�er�l �o6esfoc9e�l'tita-
Coles k Appraisal 5erieces;
;300:G1e;!iniRoail
a asap#16t1; PA 17041
2_ GertaScate eared Eif e&h dfate: Q&r4AU AdEi11PW4ihrtI-k1 U&BAS
. - .4. ,' 'xZMnm!:Lara7 Ttmta['frs NldrE:s.bl a'z'4�ced:.. ..
, :.;R�tr03D3NE"t)3tE', "; 8�3
RZ'139.:Yart decaS:ntne at @'t'\dERs..a'i[lii::ted.
3.`EatnaEltahj:7t : 1OQQQQQteachClaim
;r QOQ Qom;`aggrrgaLe��i.
'+t_-;f3eduE6'taT�:� $ -F�OOO:;s4aciz'claiiii°
S.;ProEesstanalCovgredSerwces-rnsured rj thispofic�rare PEALE�7.Tr7iR5�ftA AL' ERi#10E^
Ailvance'Ce fitabe Hbl&rf`rku wn x1 Q
7 Mi6imum Earieed Pre nium: T55$of x; 251
Forms ani£nafotsemems' ,-
PcG ;;&SO{ESTI� R alisEeAppra3ersFtaiPsr€aliliiy+iJeclarations'PRt;3ai�; rC1tj3tPat, ia+ersppra(seis
Prxr�sstonatLi�hi§�p"Gau�ags�Prtn.1�T73 ttYidf��Add� ons its:EliellE+:t�razioris _
,Ad�Eftistaat.Ex�dorsns�ts appftoabte to tiers EerxtEirate onfy
PPC`?K38(v�J 1 Gxsnt nE Rah Esta Ap�rs at IJar e`nces€t Crmaparsy Esderas nn.'_'
'Ag_cy hamY and Adsiress 1NTERC4RP 1plC
id3S FWestldain�l6reet�
1=phra�asPA i7522;i3S5
1T 3,^. r�REE'1r F-7
R:iT C'k3'AFJ�J,AG zzE kT+�0.T Txsc,CEt2TIEr ftTE;Hp,L'l7ER:R'f'.SEE.,T'Q;r-U--TE,?.#7�RV;3,CONOPT7[riV_ AS
ThII�P�3LiGYB��wtAED�nY;t�ttyi�EtI..K s"�6"IRCF3�t"INsr GRQC)P.Y£SUt3 Rei*Ptr"Sr�tiP3t't �S�IR IJAYi�III�,@c.y�;I�wT'[U
iLL'tS;=_.Trst,`l�rJP,+4H�'st35.4k'SAS'�''��"iP2h13,OM�Gy,rf,S101�Ft.�°,TA3E T:ATEIN.t17!?.RNC�AN �Ji�iIENCY.Gir,RR+�t'JT'f,_Fy11UiJS..
ftiiE��ti1uT��A'S#d:1F.3e E f,�R,1°Ok7R�7.;K':P3rwGrL��l3'It#C-GFFOt1R�.
Caun Curr apif.
Aut3zcrat RepresFnE3fi+ae flli<
Gapun�rsivice�m tat�sx�fi,�reapixir:�s�� t1'a6e, Mey"e 24TH;.
Fr6"ST&2,Fr4S 06I{
300 Glenn Road,Camp Hill,PA 17011
4
Flood Map
Borrower:Private File No.: 138salemchurch
Property Address:138 Salem Church Rd Case No.:
City Mechanicsburg Slate:PA Zip:17055
Lender:Private
fes't y,JPrt lL �q'�+``�
� o,,s? �•, e - ... x �'� - .rg . � ¢. as � t '
a ''}. A k �•'aac.snar�� a- �. ��'` � '� tea.'. -..i
i .fru L^. '• �.- "'t �b�}+�' ��. � � 2 � � r•
Subject
138 Salem Church Rd n 1 o s
Mechanicsburg,PA 17050
.yy''. sk.•wM .cQ•' - ibkn,nN y Y a r'�t � /y ,
Ji
r
FLOOD INFORMATION. LEGEND
Community: TOWNSHIP OF HAMPDEN El -FEMA Spocial Flood Hazard Area-High WA
Property is NOT'in a FEMA Special Flood Hazard Area
Map plumber:420441 CO276E -'Moderate and Minimal Risk Areas
Panel: 0276E Road View:
Zone:.X
Map Date: 03-16-2009 - Forest Water
-
FIDS:42041
Source:FEMA DFIF2M
Sky Flood"'
t'o iaor^s,srwaiirs or vmrraili5s toany P&V aun ri gtfw Content,am,racy w4orl, twLasn of U-46wd report'•mdcK it!any%wreagof-ft*mhar>tnbti+Yor
ftrczrtnr a mrtia+lnr p+elwse a in+plied nrparicfeti Vaanl ac+Iirtg faCas tilkrf>�e+mip la�rx and ar9 tl^pr<'ata rra„Ha«t>.x,w inrtnmation at mar4.w ldatim
Na 6ab�RY irrK415tKt lt++nYllird patty la,u Y uu Q'mb+sca of:if;aTinod may«rtzalrta
300 Glenn Road,Camp Hill,PA 17011
• +,
C.
ten bu lurch Rd Aerial Photo
0: lemchurch
State, pA se
q}t �L}CUrktiaSitiViRn " .
ti
-C
4 �' �iUt7ks^�ad�t�tjt,. •a '��� .'�,a` ",J £��.'. rA`.
i"t� V•4 `" < cam, _ �:r
M
��t7{�5 Di italGl � � �'����•�s. � � '� J
y,PRr�P • , .,�
,,Gienn
�^eolaga�stir qgp U
'��Faun Service�e
USPAP ADDENDUM File No. 138salemchurch
Borrower: Private
Property Address:138 Salem Church Rd
City: Mechanicsburg County: Cumberland State: PA Zip Code: 17055
Lender: Private
APPRAISAL AND REPORT IDENTIFICATION
This report was prepared under the following USPAP reporting option:
❑X Appraisal Report A written report prepared under Standards Rule 2-2(a).
❑ Restricted Appraisal Report A written report prepared under Standards Rule 2.2(b).
Reasonable Exposure Time
My opinion of a reasonable exposure time for the subject property at the market value stated in this report is:3-6 months
The exposure time for this property is estimated at 3-6 months based on the market data available. This would be the estimated length of
time that the property interest being appraised would have been offered on the market prior to the hypothetical consummation of a sale at
market value on the effective date of the appraisal.
Additional Certifications
❑X 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.
None
Additional Comments
None
APPRAISER: SUPERVISORY APPRAISER(only ifrequired):
Signature: l?t Signature:
Name: Christopher M.Colestocck Name:
Date Signed: 02/26/2015 Date Signed:
State Certification#: RL139151 State Certification#:
or State License#: or State License#:
or Other(describe): State#: State:
State: PA Expiration Date of Certification or License:
Expiration Date of Certification or License: 06/3012015 Supervisory Appraiser inspection of Subject Property:
Effective Date of Appraisal:02/26/2015 ❑ Did Not ❑ Exterior-only from street ❑ Interior and Exterior
ft6r d wwq ACI S wa 800.2M.8727,W,.am,a wm usvnr U 0107201
i
Rev-1510 EX+(08-09)
SCHEDULE G
pennsylvania INTER-VIVOS TRANSFERS AND
DEPARTMENT OF
MISC. NON-PROBATE PROPERTY
RET
INHERITANCE TAXAX RETURRNN
RESIDENT DECEDENT
ESTATE OF FILE NUMBER
Stuck,Anna M. 21-14-1152
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.
ITEM DESCRIPTION OF PROPERTY DATE OF DEATH % DECD'S EXCLUSION TAXABLE
NUMBER THE DATE OF NAMTROANSFER. ATTACHTHEIR
A COPY OF THE DEED FOR REAL ESTAEDENT TE. VALUE OF ASSET INTEREST (IF APPLICABLE) VALUE
1 Jackson National Life Insurance Company IRA policy 2,717.13 100.000% 2,717.13
#1002419250-Beneficiaries are Cindy Houseal and
Robert Stuck. See attached letters from Jackson
National Life Insurance Company dated March 10,
2015 and May 28,2015
2 Lincoln Benefit Life Annuity Contract No. 01 F0098159 1,464.54 100.000% 1,464.54
-Beneficiaries are Robert Stuck,Jr.and Cynthia
Houseal-see attached letters from Lincoln Benefit
Life dated February 10,2015 and June 3,2015
3 Lincoln Benefit Life Annuity Contract No. 01 F0098160 1,462.51 100.000% 1,462.51
-Beneficiaries are Robert Stuck,Jr.and Cynthia
Houseal-see attached letter from Lincoln Benefit Life
dated June 3,2015
4 Nationwide Annuity Contract No.07-0162165- 23,475.10 100.000% 23,475.10
Beneficiaries are Cynthia A. Houseal and Robert W.
Stuck,Jr.-see attached letters from Nationwide dated
February 25,2015 and July 14, 2015
5 Security Benefit Annuity Contract No.7003242423- 34,666.06 100.000% 34,666.06
Beneficiaries are Robert Stuck and Cynthia Houseal -
see attached letter from Security Benefit dated
February 12,2015
6 Security Benefit Annuity Contract No.7003242590- 15,259.27 100.000% 15,259.27
Beneficiaries are Robert Stuck and Cynthia Houseal-
see attached letter from Security Benefit dated
February 12,2015
TOTAL(Also enter on Line 7, Recapitulation) 79,044.61
(If more space is needed,additional pages of the same size)
Copyright(c)2009 form software only The Lackner Group,Inc. Form PA-1500 Schedule G(Rev.08-09)
I
k
f
07-14-'15 14:56 FROM- T-844 P0002/0002 F-180
j A
AC K N"'
NA 10 NAL Lai:£ INSUPANCE COMPANY
Claims Adminisualio-i
March 10,2015
KIMBERLY J HEAVNER
100 S SPRING GARDEN ST
CARLISLE, PA 17013-2552
Deceased: ANNA M STUCK
Policy No.: 1002419250
Dear KIMBERLY J HEAVNER:
We are sorry to hear about the death of AN �A M STUCK and visli to extend our condolences. Based
on the information provided, we have establ lshcd a claim for tht: Following:
Policy Number Named Beneficial y Preselected Benefit Option
1002419250 Cindy Housen, R<bort Stuck-
Please
tuckPlease be aware that it is very important tha you provide us wit i the contact information for the
beneficiary(im) listed above. If this inform;.tion is not received t may delay our processing of the
Claim. Tn addition, unclaimed funds will be reported to the state ;6s required by law.
Please be advised that any scheduled distrib itiontl will cease an<: my un-casbadpayments, issued in the
deceased's game,have been stopped.
Tn order to process the claim promptly,plea.;e return to us the fc L ovvind:
Clain►Form
•' Final Certified Death Certificate
Once we receive this information, we will p•ocess the claim as c i icMy as possible. Please be advised,
any documentation submitted to our office %,rill not be returned.
Jackson National Life Insurance Caaapatay
1 C'orporale W;1y,Lansing,MT 48951
8001644.4.565
JACKSN-`
NATIONAL LIFE INSURANCE COMPANY
May 28,2015 Your representative:
SAIDIS, SULLIVAN&ROGERS KIMBERLY J HEAVNER
A PROFESSIONAL CORPORATION 100 S SPRING GARDEN ST
26 WEST HIGH STREET CARLISLE, PA 17013-2552
CARLISLE PA 17013
Phone: (717) 218-5426
I
!
Policy Number(s): 1002419250
i.
Insured Name: Anna M.Stuck
Dear Robert Saidis:
Please extend our condolences to the family of Anna M. Stuck.We are available for any questions you
may have.
This IRA policy was issued March 5, 2007 to Anna M. Stuck. The value as of November 2,2014 was
$2;717.13.
Your service needs are very important to us. If you have additional questions or concerns,please
contact our Service Center at (888)565.4995,Monday through Thursday, 8:00 a.m. to 7:00 p.m.and
Friday 8:00 a.m. to 6:00 p.m. (ET). You may also contact Jackson via email through "Contact Us" on
our website at www jackson.com,
i
Sincerely,
1
Laura Hanson,
VP, Policy Owner Services
cc: KIMBERLY J HEAVNER
i
Jackson Service Center
! 1 Corporate Way,Lansing MI 48951
Toll Free Number: 800-777-7779
Email at CustomerCare@jacicson.com;Our Website is www jackson.com
HOWLAKL/CLBLNF ,i oc aw )MBM MM osmm aatim
i r,
REV-1513 EX+(01-10)
pennsylvania SCHEDULE J
DEPARTMENT OF REVENUE
INHERITANCE TAX RETURN BENEFICIARIES
RESIDENT DECEDENT
ESTATE OF FILE NUMBER
Stuck,Anna M. 21-14-1152
NAME AND ADDRESS OF RELATIONSHIP TO SHARE OF ESTATE AMOUNT OF ESTATE
NUMBER PERSON(S)RECEIVING PROPERTY DECEDENT (Words) ($$$)
Do Not List T stee s
Io TAXABLE DISTRIBUTIONS [include outright spousal
distributions,and transfers
under Sec.9116(a)(1.2)]
Cynthia A. Houseal Daughter 1/2 residue
912 Loring Lane
Mechanicsburg, PA 17055
Robert W.Stuck,Jr. Son 1/2 residue
15 W.Green Street
Shiremanstown,PA 17011
Total
Enter dollar amounts for distributions shown above on lines 15 through 18 on Rev 1500 cover sheet,as appropriate.
NON-TAXABLE DISTRIBUTIONS:
IIo A.SPOUSAL DISTRIBUTIONS UNDER SECTION 9113 FOR WHICH AN ELECTION TO TAX IS NOT TAKEN
B.CHARITABLE AND GOVERNMENTAL DISTRIBUTIONS
TOTAL OF PART II-ENTER TOTAL NON-TAXABLE DISTRIBUTIONS ON LINE 13 OF REV-1500 COVER SHEET
Copyright(c)2010 form software only The Lackner Group,Inc. Form PA-1500 Schedule J(Rev.01-10)
LAST WILL AND TESTAMENT
OF
ANNA M. STUCK
I, ANNA M. STUCK, of Mechanicsburg, Cumberland County,
Pennsylvania, being of sound and disposing mind, memory and
understanding, do hereby make, publish and declare this as and
for my Last Will and Testament, hereby revoking all other Wills
and Codicils heretofore made by me.
FIRST
I direct the payment of my just debts and expenses of my
last illness and funeral from my estate as soon after my death as
conveniently may be done. I direct that I be interred in the
cemetery lot next to my husband at the Gate of Heaven Cemetery in
Mechanicsburg, Pennsylvania.
Further, I authorize my personal representative to expend
funds from my estate, in such amount as my personal
representative shall consider necessary and desirable for the
purchase, erection and inscription of a suitable marker for my
grave.
SECOND
I made a gift of my cabin located in Juniata County,
Pennsylvania, to my son in 1998. It is my opinion at the time of
the gift the cabin had a fair market value of $60,000.00.
Accordingly, I give, devise and bequeath my estate as follows:
A. The sum of Sixty Thousand Dollars ($60, 000.00) to
my daughter, CYNTHIA A. HOUSEAL, per stirpes.; and
B. All the rest, residue and remainder of my estate
equally between my son, ROBERT W. STUCK, JR. and daughter,
CYNTHIA A. HOUSEAL, per stirpes.
THIRD
I direct that any and all inheritance, estate, and transfer
taxes imposed upon my estate passing under this Will or otherwise
shall be paid out of the principal of my residuary estate.
FOURTH
In addition to the powers conferred by law, I authorize any
personal representative acting under this instrument, in his/her
absolute discretion:
(a) To retain in the form received, or to sell
either at public or private sale any real or personal
property;
(b) To exercise any options to subscribe for
stocks, bonds, or other investments.
(c) To join in any plan of lease, mortgage,
consolidation, exchange, reorganization or foreclosure
of any corporation in which my estate or any trust may
hold stocks, bonds or other securities;
(d) To sell, transfer, convey, mortgage, pledge,
lease or exchange any property, real or personal, which
at any time may form part of my estate, for the payment
of debts or taxes, or for any purpose of administration
or distribution, for such prices and upon such terms
as my personal representative, in his/her sole discretion,
may deem wise, and to execute and deliver deeds of
conveyance or transfer thereof;
(e) To make settlements and compromises on such
terms as my personal representative in his/her sole
discretion may deem wise without the necessity of
obtaining any court approval thereof;
(f) To make distribution hereunder either in cash
or kind, as my personal representative in his/her discretion
may deem wise.
FIFTH
I do hereby nominate, constitute and appoint my son, ROBERT
W. STUCK, JR. and my daughter, CYNTHIA A. HOUSEAL, or their
survivor to act as Co-Executors, of this my Last Will and
Testament.
SIXTH
I direct that no personal representative, guardian, trustee
or other fiduciary appointed under this instrument shall be
required to give bond for the faithful performance of their
duties in any jurisdiction.
IN WITNESS WHEREOF, I, ANNA M. STUCK, have hereunto set my
hand and seal to this my Last Will and Testament, consisting of
three (3) typewritten pages, the first two (2) of which bear my
signature in the margin for identification, this . . day of
App-r4 , 1998. `
ANNA M. STUCK
4
r
P
Signed, sealed, published and declared by the above-named
Testatrix, ANNA M. STUCK, as and for her Last Will and Testament
in the presence of us, who have hereunto subscribed our names at
their request as witnesses thereto, In the presence of said
Testatrix and of each other.
ADDRESS .4u A�
A, a l2 r!.. Act
�f ADDRESS �.
t
r 7p1�
COMMONWEALTH OF PENNSYLVANIA:
: SS
COUNTY OF CUMBERLAND
WE, ANNA M. STUCK, Robert C. Saidis and Renee
Murrayt the Testatrix and witnesses, respectively whose names
are signed to the foregoing or attached 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 signed willingly and that she executed
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 witness and that to the best of
their knowledge the Testatrix was at the time 18 or more years of
age, of sound mind and under no constraint or undue influence.
ANNA M. STUCK
No rt C. Sal Is, Witness
61
Renee L Umurray Wit
Subscribed, sworn to and acknowledged before me by ANNA M.
STUCK, the Testatrix, and subscribed to and sworn or affirmed to
before me by Robert C. Saidis and Renee L. Murray
witnesses, this., 7aday of 1998.
No y Public
NOTARIAL SEAL
JOANI E.SMITH.NOTAIRY FUSUC
GH,CUMBERLAND CO.PA
[0:-ARL18LC WAOU
MY WMujsstot4 CXPjRES MARCH 23.2=
LINCOLN BENEFIT LIFE
February 10, 2015
Robert W.Struck Jr.
15 Green St.
Shiremanstown, PA 17011
Re: Anna M.Stuck
Contract No: 01F0098159
Claimant(s): Primary Beneficiary: Robert W.Struck (Pre-deceased)
Contingent Beneficiary: Contract Default(Spouse, Children, Estate)
Product Type: Fixed Annuity
Tax Type: Qualified
Dear Mr.Struck Jr.:
Our office recently conducted an audit of our records through the Social Security Administration. Anna M.
Stuck has been reported as deceased by the Social Security Administration. Due to their passing,the
death benefit on the above referenced annuity contract is payable. Please contact us immediately if our
records are incorrect, and the individual referenced above is not deceased.
We Need Some Information to Process Your Claim
In light of this loss, we need some additional information from you to help us process your claim. At your
earliest convenience, can you please send us the following documents in the enclosed postage-paid
envelope:
• Claimant's Statement (fully completed and signed).
Certified copy of death certificate ("certified"means an original document or copy with raised seal
or original stamp). Unfortunately, we are unable to return an original death certificate submitted to
us for this claim.
• Original annuity contract, if available,for lump sum distribution only.
Please be advised that upon notification of the owner's death,we are required to stop all distributions from this
policy. No further distributions can be made from the policy until your claim is processed.
The contract provides that if no beneficiary is named or living, the beneficiary is the decedent's spouse, if
living; if no living spouse, the decedent's surviving children; if no surviving children, then the decedent's
Estate.
If there is a surviving spouse, that individual should complete the Claimant's Statement. If there is no
surviving spouse, the beneficiaries for the proceeds are the surviving children of the deceased. One of the
adult children should provide us with a notarized statement or Affidavit listing the names, ages and addresses
of the children. Each adult child should then complete and return a Claimant's Statement.
Lincoln Benefit Life Company
Life and Annuity Claims
P.O. Box 94212, Palatine, IL 60094-4212 Phone 877-499-6418 Fax 866-635-4523
i
6/4/2015 4 :18:45 PM Page 2
PO Box 758520
Topeka KS 66675-8520
June 3,2015
SAIDIS, SULLIVAN& ROGERS
26 W HIGH ST
CARLISLE, PA 17013
Re Contract/Policy Number: 01 F00981 f 9
Annuitant/Insured: ANNA M STUCK
................... ..............................
To Whom This Concerns:
Lincoln Benefit Life strives to maintain hig i quality standards slid deliver exceptional customer service
each and every time you do business with us.
This account was opended on August 17, 1994.Anna M Stuck w as the owner of this annuity.The
balance on this account as of November S,2014 was$1,464:51.
If you have any questions regarding this n utter,please contact Customer Service at 800-643-8190.Our
service representatives are available to a:sist you from 7:30 M4 to 5:00 PM Central Time.
Sincerely,
Customer Service
Lir coin Benefit Life Comp iy
www.annuity.lbi.com
Phone:t,00-643-8190•Fax:785-236-6121
I
LINCOLN BENEFIT LIFE
February 10, 2015
Cynthia A. Houseal
912 Loring Ln.
Mechanicsburg, PA 17055
Re: Anna M. Stuck
Contract No: 01F0098160
Claimant(s): Cynthia A. Houseal & Robert W. Struck Jr.
Product Type: Fixed Annuity
Tax Type: Qualified
Dear Ms. Houseal:
Our office recently conducted an audit of our records through the Social Security Administration. Anna M.
Stuck has been reported as deceased by the Social Security Administration. Due to their passing, the
death benefit on the above referenced annuity contract is payable. Please contact us immediately if our
records are incorrect, and the individual referenced above is not deceased.
We Need Some Information to Process Your Claim
In light of this loss, we need some additional information from you to help us process your claim. At your
earliest convenience, can you please send us the following documents in the enclosed postage-paid
envelope:
• Claimant's Statement (fully completed and signed).
• Certified copy of death certificate ("certified" means an original document or copy with raised seal
or original stamp). Unfortunately, we are unable to return an original death certificate submitted to
us for this claims
• Original annuity contract, if available, for lump sum distribution only.
Please be advised that upon notification of the owner's death,we are required to stop all distributions from this
policy. No further distributions can be made from the policy until your claim is processed.
Additional Tax Information
The death benefif payments from an annuity are taxed to the claimant, in the year they are received, as
ordinary income to the extent that there is any gain in the contract. If the contract is tax qualified, all
payments typically will be fully taxable.
Lincoln Benefit Life Company
Life and Annuity Claims
P.O. Box 94212, Palatine, IL 60094-4212 Phone 877-499-6418 Fax 866-635-4523
6/4/2015 4 :18:47 PM Page ,3
LINCOLN BENEFIT LIF..
PO Box 758520
Topeka KS 66675-8520
June 3,2015
SAIDIS, SULLIVAN&ROGERS
26 W HIGH ST
CARLISLE;-PAA:.7013 e :3
Re: `ConracilPolicy Number: 01F00981E0
Annuitanttinsured: ANNA M STUCK
6-x i�E�5
........ > <S F.:;:Y _..........
To Whom This Concerns:
Lincoln Benefit Life strives to maintain hig i quality standards and deliver exceptional customer service
each and;every time you do business witt us.
This account was opended on August 8, 1994.Anna M Stuck YtE s the owner of this annuity.The balance
on this account as of November 2,20141vas$1,462.51.
If you haveany questions regarding this matter,please contact Customer Service at 800-643-8190.Our
service:representatives are available to a:sist you from 7:30 APA to 5:00 PM Central Time.
Customer Service
+
Lit coin Benefit Life Company
www.annuity.lbl.com E.
Phone:+.00-643-8190-Fax 785-2.36.6121 ,
t:
MAR T6 2015
Robert Saidis
EEL Pagel of 2
Nationwide! Date prepared February 25,2015
is on your side
Contract number 07-0162165
r1;1131P- Questions? Call 800-848-6331
Visit us online Go to nationwide.com to learn
about our products,services and
more.
Robert Saidis
26 W High St
Carlisle PA 17013
Important Dear Robert Saidis,
information We received your request for a date of death value for Anna Stuck's annuity
contract(s). Please see the details below.
Contract details
Annuitant Anna Stuck
Contract number 07-0162165
o Death value: $23,475.10 as of November 2, 2014
,o
ti
oKeep in mind
C) if the date of death was a Saturday, Sunday or holiday, this value is as of the
ti
in last business day.
u,
Also, the date of death value is provided based on Nationwide's interpretation of
the amount required for federal estate tax reporting as defined in Section
20.2031-8 of the Internal Revenue Code. Nationwide does not recommend use
of this value for any other purpose.
Important things for you to consider
Nationwide doesn't provide tax or legal advice, and federal laws related to these
types of accounts are complex and can change. Be sure to consult with your tax
advisor or lawyer if you have questions.
For help when you need it
If you have any questions or need additional information about this claim, please
contact me by calling 800-848-6331 ext. 4352523. For all other contract
information,,simply dial 800-848-6331 and our customer service specialists are
happy to help.
Sincerely,
i
4
Financial Services Support Representative
Warrene5@nationwide.com
See reverse side for additional information
• i
07-15-'15 09:26 FROM- T-846 P0002/0003 F-183
amberly J Heavner
'age I of 2
Nationvuide® iliate prepared July 14,2015
is on your side )uestfons? Call 800-321-6064
tisit us online Go to nationwidefinancial.com to
manage your clienfe account.
learnabout our services and
more.
Kimberly J Heavner
M&T Securities
100 Spring Garden St
Carlisle PA 17013-2552
Here's the information Dear Ms. {eavner,
you requested
Our letter ;onfirms the beneficlai y allocation and death benefit amounts for each
beneficiar,from this annuity con:r act.
Contract details .
Owner: Anna M Stuck
Annuitant: Anna M Stuck
Contract r imber: )'0162165
Primary )eneficiary details
Cynthia A Houseal
Contract r amber. 071199952
issue date: April 23,2015
Allocation: 50%
Elected bE nefit: Life expectancy death benefit
Death ber,afit amount: $11,836.07
2015 Anni al withdrawal amount 6629.49,gross
Robert W Stuck Jr
Contract r amber: 071199951
Issue date: April 23,2015
Allocation: 50%
Elected bf nefit: life expectancy death benefit
Death ben efit amount: $11,836.06
2015 Annt al withdrawal amount: 6629.49,gross
For help when you need it
If you hav(,any questions or nee 1 additional information,contact our service
center at f 00-321-6064.Our spE-,alists are available Monday through Friday,
8 a.m.to f p.m., Eastern time.
Sincerely,
Nationwide!Service Center
See revej se side for additional h it mmation
• i.
'=:C<ss'� ^t...,x�.... _ ,a._, _'':'fAi'e�--;lis...� ns.,u;.:k., �••,
q,x�w_.7+.a''•,i + %" ;twl .r=>V': .•ii^'Y•, c, r •fi"' .+;�,;F+%-'cs'' `- 'F?,.': ry #ri3 �;x ;.
t:n,w: .,.,� 5 ..•S i.,.f.".-� +...Y-.w1'<.:...%. A3y....... : ..oi *.k;.&?p+e.....ns,-...., ...-kc. ••._•..,r..�.X:�__:.....
FEB 19
SECURITY BENEFITO
One Security Senefft Place•Topeka,KS 66636-0001
800.888.2461•SecurityBeneflt.com
February 12, 2015
SAIDIS SULLIVAN AND ROGERS
ATTN: ROBERT SAIDIS
26 WEST HIGH ST
CARLISLE PA 17013
Re: Contract Number: 7003242590 AND 7003242423,Anna M Stuck
Dear Mr.Saidis:
Thank you for letter dated February 2,2015. Ms. Stuck has two annuities with our company as
mentioned above. Both accounts are individually owned by Anna Stuck.
Account 7003242423 is an IRA with a date of death value of $34,666.06.The beneficiaries of
this account are listed as Robert Stuck and Cynthia Houseal at 50%each and the account was }
issued on December 3, 2013. The current value of the account Is$34,858.44.. The RMD for j
2014 was processed on September 2,2014.
Account 7003242590 is a non-qualified annuity with a date of death value of$15,259.27. The
cost basis for this account is$12,111.25.The beneficiaries of this account are the same as the
IRA account and it was issued on January 6,2014. The current value of this account is
$15,343.94.
If you have any questions regarding this letter, or if we may assist you with other questions or I
information, please contact our National Service Center at(800)888-2461. Our National Service `s
Center associates are available from 7:00 am-6:00 pm Central Standard Time.
Sincerely, `
J Client Service Specialist II II
Service Operations
Security Benefit
I
SJE
i
I
i
I
I
I
I
A GUGGENHEIM PARTNERS COMPANY
REV-1511 EX+(08-13) SCHEDULE H
pennsylvania
DEPARTMENT OF REVENUE FUNERAL EXPENSES AND
INHERITANCE TAX
RESIDENT DECENT RETURN ADMINISTRATIVE COSTS
ESTATE OF FILE NUMBER
Stuck,Anna M. 21-14-1152
Decedent's debts must be reported on Schedule 1.
ITEM DESCRIPTION AMOUNT
NUMBER
A. FUNERAL EXPENSES:
See continuation schedule(s)attached 1,952.45
B. ADMINISTRATIVE COSTS:
1. Personal Representative's Commissions
Name of Personal Representative(s)
Street Address
City State ZiD
Year(s)Commission Paid
2. Attorney's Fees Saidis, Sullivan & Rogers 6,000.00
3. Family Exemption: (If decedent's address is not the same as claimant's,attach explanation)
Claimant
Street Address
City State Zio
RelationshiD of Claimant to Decedent
4. Probate Fees
5. Accountant's Fees
6. Tax Return Preparer's Fees
7. Other Administrative Costs 6,373.38
See continuation schedule(s) attached
TOTAL(Also enter on line 9, Recapitulation) 14,325.83
Copyright(c)2013 form software only The Lackner Group,Inc. Form PA-1500 Schedule H(Rev.08-13)
SCHEDULE H
FUNERAL EXPENSES AND ADMINISTRATIVE COSTS
continued
ESTATE OF FILE NUMBER
Stuck,Anna M. 21-14-1152
ITEM
NUMBER DESCRIPTION AMOUNT
Funeral Expenses
1 L'Koste Villa Catering 1,000.80
2 Malpezzi Funeral Home 951.65
H-A 1,952.45
Other Administrative Costs
3 Allen Snyder-Lawn Care 120.00
4 Colestock Appraisal-Appraisal of real estate 350.00
5 David Baboian, CPA-2014 Income Tax Preparation 274.00
6 David Baboian,CPA-Estimated fee for 2015 Income Tax Preparation 274.00
7 Eastern Air-Clean out ducts of house 826.80
8 Hampden Township-Sewer and Trash 321.50
9 Houseal Cleaning-Clean out basement 265.00
10 Michael Langan,Tax Collector-Real estate taxes 379.00
11 Michael Langan,Tax Collector-Real estate taxes 1,378.17
12 Motorists Mutual Insurance-Homeowners Insurance 276.73
13 PAWC -Water Bills 273.48
14 Pennsylvania Department of Revenue-State income tax 7.00
Copyright(c)2002 form software only The Lackner Group,Inc. Form PA-1500 Schedule H(Rev,6-98)
j.
SCHEDULE H
FUNERAL EXPENSES AND ADMINISTRATIVE COSTS
continued
ESTATE OF FILE NUMBER
Stuck,Anna M. 21-14-1152
ITEM
NUMBER DESCRIPTION AMOUNT
15 PP&L Electric 555.20
16 Register of Wills-Filing Fee 55.50
17 Spanglers Mill Construction-Repair roof 125.00
18 Suburban Propane-Oil 892.00
H-B7 6,373.38
Copyright(c)2002 form software only The Lackner Group,Inc. Form PA-1500 Schedule H(Rev.6-98)
Rev-1512 EX+(12-12)
SCHEDULE
pennsylvania DEBTS OF DECEDENT,
DEPARTMENT OF REVENUE
INHERITANCE TAX RETURN MORTGAGE LIABILITIES AND LIENS
RESIDENT DECEDENT
ESTATE OF FILE NUMBER
Stuck,Anna M. 21-14-1152
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
I EMS Holy Spirit 137.00
2 Lifeline 50.13
3 Messiah-lodging 1,077.00
4 Verizon 21.59
TOTAL(Also enter on Line 10,Recapitulation) 1,215.72
(if more space is needed,additional pages of the same size)
Copyright(c)2012 form software only The Lackner Group,Inc. Form PA-1500 Schedule I(Rev.1�2-12)