HomeMy WebLinkAbout09-09-05
COMMONWEALTH OF PENNSYLVANIA REV-1162 EX(11-96)
OEPARTMENT OF REVENUE
BUREAU OF INDIVIDUAL TAXES
DEPT. 280601
HARRISBURG, PA 17128-0601
PENNSYLVANIA
RECEIVED FROM: INHERITANCE AND ESTATE TAX
OFFICIAL RECEIPT
NO. CD 005785
IRWIN ROGER B ESQ
60 W POMFRET ST
CARLISLE, PA 17013
ACN
ASSESSMENT AMOUNT
CONTROL
NUMBER
----fold _______n_ --------
101 I $9,204.80
ESTATE INFORMATION: SSN: 174-05-3931 I
FILE NUMBER: 2105-0630 I
DECEDENT NAME: WELSH ESTHER M I
DATE OF PAYMENT: 09/09/2005 I
POSTMARK DATE: 09/09/2005 I
COUNTY: CUMBERLAND I
DATE OF DEATH: 06/17/2005 I
I
TOTAL AMOUNT PAID: $9,204.80
REMARKS: IRWIN ET Al
CHECK# 022228
INITIALS: VZ
SEAL RECEIVED BY: GLENDA FARNER STRASBAUGH
REGISTER OF WillS
REGISTER OF WILLS
Inventory of the real an personal estate of
ESTHER M. WELSH , deceased
1. 1270 Newville Road, Carlisle, PA................................... 192,000.00
2. Legg Mason, General Motors Acceptance Corp. Shares. . . . . . . . . . . . . . . . 30,157.97
3. M&T Bank - Checking Account 89646002. . . . . . . . . . . . . . . . . .. . . . . . . . . 15,059.00
4. Coin Collection. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 2,006.68
5. Personal Property................................................ 5,622.00
TOTAL. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 244,845.65
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COMMONWEALTH OF PENNSYLVANIA :
:SS
COUNTY OF CUMBERLAND :
Leslie C. Hurlev , being duly sworn according to law, deposes and says that he is the Executor of
the Estate of Esther M. Welsh , late of North Middleton TownshiD ,Cumberland County,
Pennsylvania, deceased and that the within is an inventory made by Leslie C. Hurlev , the said Executor of the
entire estate of said decedent, consisting of all the personal property and real estate, except real estate outside the Commonwealth
of Pennsylvania, and that the figures opposite each item of the Inventory represent it's r value as of the date of decedent's death,
swo{!'/ subscribed before me, I
thi A... day of September , }
} .
l 281 Harvest Drive
}
I Carlisle. P A 17013
l Address
}
06 2005
Month Year
INSTRUCTIONS
1. An inventory must be filed within three months after appointment of personal representative.
2. A supplement inventory must be med within thirty days of discovery of additional assets.
3. Additional sheets may be attached as to personalty or realty.
4. See Article rv, Fiduciaries Act of 1949.
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OFFICIAL USE ONLY
REV-1500 EX t (6~OO) REV-1500
INHERITANCE TAX RETURN FILE NUMBER
COMMONWEALTH OF P!::NNSYlVANIA 21-05.0630
DEPARTMENT OF REVENUE RESIDENT DECEDENT
DEPT. 280601 COUNTY CODE YEAR NUMBER
HARRISBURG, PA 17128-0601
DECEDENT'S NAME {LAST, FIRST, AND MIDDLE INITIAL) SOCIAL SECURITY NUMBER
D Welsh Esther M. 174-05-3931
E
c DATE OF DEATH (MM DO-YEAA) DATE OF BIRTH (MM-DD-YEAR) THIS RETURN MUST BE ALED IN DUPUCATE WITH THE
E
D 06/1712005 12/17/1915 REGISTER OF WILLS
E (IF APPLICABLE) SURVIVING SPOUSE'S NAME (LAST, FIRS I, AND MIDDLE INITIAL) SOCIAL SECURITY NUMBER
N
T
X 1. o",'n,' Relum 2. Supplemenl,l Relum 8 3 . ~ate of death
...;.; - . RemamderReturn prior to 12-13.82)
CAPB "":': 4. Limited Estate _ 41. Future Interest Compromise (date of death after 12-12-82) 5. FederClI Estate Tax Return Required
HpRL
EplO ~ 6, Decedent Died Testate _ 7. Dececlent Maintained a living Trust _ 8. Total Number of Safe Deposit Boxes
CRAC (Attach copy of Will) (AttaCh copy of Trust)
KOTK D 9. Litigation Proceeds Received 010. Spousal Poverty Credit 0 11. Election to tax under Sec. 9113(A)
ES
(date of death between 12-31-91 and 1-1-95) (Attach Sch 0)
";Tl-II~'$gqT(Q(I;M\JUgC'_Ii.Ii,~k~'~~t!I:ll;~~I!i,~ll!mI4Ii.',J"Atlj\l~~~1IQ",~\-I9lJliti'g ,Qll'Ili,6'1'lOD TO:
P NAME COMPLETE MAILING ADDRESS
C
0 0 ROi!er B. Irwin Esa. 60 West Pomfret Street
N
R D FIRM NAME (If Applicable) West Pomfret Professional Bldg.
R
E E IRWIN & McKNIGHT Carlisle, PA 17013
S N
T TELEPHONE NUMBER
717 /249-?1~3 .
1. Real Estate (Schedule A) (1) 192,000.00 1:]0 OFFICI~SE ONt y -:0
2. Stocks and Bonds (Schedule 8) (2) 30,157.97 en i-'il
- :::J (/) C)
3. Closely Held Corporation, Partnership or (3) None ,-~Q P"1 c:)
-""i.J ~ ~o
Sole-Proprietorship " I . '. "':J
"j,-,l
4. Mortgages & Notes Receivable (Schedule D) (4) None ~ >J v:) ':..1
')/-'..:
5. Cash, Bank Deposits & Miscellaneous Personal Property (5) 22,687.68 CJ -0 (=--,
R ~E 'n
E (Schedule E) -~ -rJ
C -, -:.:C)
A 6. Joinlly Owned Property (Schedule F) (6) None \.,1 Lv _!-n
P 0 - .') ,--.,
I Separate Billing Requested -r,
C)
T 7. Inter-Vivos Transfers & Miscellaneous Non-Probate Property (7) None
U
L (Schedule G or L)
A 8. Total Gross Assets (total Lines 1-7) (8) 244,845.65
T
I 9. Funeral Expenses & Administrative Costs (Schedule H) (9) 29,295.77
0
N 10. Debts of Decedent, Mortgage Liabilities, & Liens (Schedule I) (10) 232.94
11. Total Deductions (total Lines 9 & 10) (11) 29,528.71
12. Net Value of Estate (Line 8 minus line 11) (12) 215,316.94
13. Charitable and Governmental Bequests/See 9113 Trusts for which an election to tax has not been (13)
made (Schedule J)
14. Net Value Subject to Tax (Line 12 minus Line 13) (14) 215,316.94
C SEE INSTRUCTIONS ON REVERSE SIDE FOR APPLICABLE RATES
0
M
P 15. Amount of Line 14 taxable at the spousal tax
T U
A T rate, or transfers under Sec. 9116(aX1.2) 0.00 X .0 0 (15) 0.00
X A 16. Amount of Line 14 taxable at lineal rate 215,316.94 X .045 (16) 9,689.26
T
I 17. Amount of Line 14 taxable at sibling rate 0.00 X ,12 (17) 0.00
0 0.00 (18) 0.00
N 18. Amount of Line 14 taxable at collateral rate X ,15
19. Tax Due (19) 9,689.26
20. n IW:~!l!l~'!Ii!!!lij!l:r(Q!!:~!!!l:f\li~!if!!!!I!1:'~'!!!i~!I!!:~'~:!!Y!l!!MY!!!~i",I
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Copyright (c) 2000 form software only The laclcner Group, Inc. Form REV-1500 EX (Rev. 6-00)
Decedent's Complete Address:
STREET ADDRESS
1270 Newville Road
CITV I STATE I ZIP
Carlisle PA 17013
Tax Payments and Credits:
1. Tax Due (Page 1 Line 19) (1) 9,689.26
2. Credits/Payments
A. Spousal Poverty Credit 0.00
B. Prior Payments
C. Discount 484.46
Total Credits (A i" 8 + C ) (2) 484.46
3. Interest/Penalty if applicable
D. Interest
E. Penalty
TotallnterestIPenalty ( 0 + E ) (3) 0.00
4. If Line 2 is greater than Line 1 + Line 3, enter the difference, This is the OVERPAYMENT.
Check box on Page 1 Line 20 to request a refund (4) 0.00
5. If Line 1 + Line 3 is greater than Line 2, enter the difference, This is the TAX DUE. (S) 9,204.80
A. Enter the interest on the tax dUe. (SA) 0.00
B. Enter the total of Line 5 + SA. This is the BALANCE DUE. (58) 9,204.80
Make Check Payable to: REGISTER OF WillS, AGENT
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PLEASE ANSWER THE FOllOWING QUESTIONS BY PLACING AN "X" IN THE APPROPRIATE BLOCKS
1, Old decedent make a transfer and: Yes No
a. retain the use or income of the property transferred; ~ ~
b. retain the right to designate who shall use the property transferred or its income; .
c. retain a reversionary interest; or . ... .
d. receive the promise for life of either payments, benefits or care?
2. If death occurred after December 12, 1982, did decedent transfer property within one year at death
without receiving adequate consideration? . 0 CRI
3. Did decedent own an "in trust tor" or payable upon death bank account or security at his
or her death? " . ... . 0 CRI
4. Did decedent own an Individual Retirement Account, annuity, or other non-probate property
which contains a beneficiary designation? . 0 CRI
IF THE ANSWER TO ANY OF THE ABOVE QUESTIONS IS YES,
YOU MUST COMPLETE SCHEDULE G AND FilE IT AS PART OF THE RETURN.
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.
toned and comp~te. Declaration of r r other than the personal representative is based on aU information of which preparer has any knowledge.
SIGNATURE OF PERSON RESP NS L FOR FlU ETURN Leslie C. Hurley DATE
~ 281 Harvest Drive 9'/r/O}'
-'-C~rl-isi~':-PA-"i7-6i3"'-'--'--'--'----"-""--
SIGNATURE OF PREPARER OTHER THAN REPRESENT TIVE IRWIN & McKNIGHT DATE
60 West Pomfret Street
_. -C~r l-isi~--' PA- - - i 7"6i3'" -. - - -' -. -.... -. - --.. -...
For dates of death n or after July 1, 1994 and before January 1, 1995, the tax rate imposed on the net value ot transfers to or tor the use of the
surviving spouse is . 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"/"
172 P.S. 9116 (a) (1.1) (iO]. 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 twenty-one years of age or younger at death to or for the use ot a natural
parent, an adoptive parent. or a stepparent of the child is 0% [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%, except as noted in 72 P.S. 9116( 1.2)
[72 P,S, 9116(aXl)].
The tax rate imposed on the net value of transfers to orfor the use of the decedent's siblings is 12% [72 P.S. 9116(aX1.3l]. 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.
Coevrlaht Cc)2000 form software on.... Thf! L;:u.,......r ~rnlln ."" _. n.,.... ...."......v._
REV-1502 EX + (1-97)
SCHEDULE A
COMMONWEALTH OF PENNSYLVANIA REAL ESTATE
INHERITANCETIV< RETURN
RESIDENT DECEDENT
ESTATE OF FILE NUMBER
Esther M. Welsh SSff 174-05-3931 06/17/2005 21-05-0630
All real property owned solely or as a tenant in common must be reported at fair market value. Fair market value is defined as the price
at which property would be exchanged between a willing buyer and a willing seller, neither being compelled to buy or sell, both having reasonable
knowledae of the relevant facts. Real property which is jointly-owned with riaht of survivorship must be disclosed on Schedule F.
ITEM DESCRIPTION VALUE AT DATE
NUMBER OF DEATH
1 1270 Newville Road, Carlisle, PA - Appraisal Attached 192,000.00
TOTAL (Also enter on line 1. Recapitulation) $ 192,000.00
(If more space is needed, insert additional sheets of the same size)
f"nnv,.;...ht 1.-I1QQJ'; f........ ",...fl-..,,,... .....Iv t"P<:.v"'t......... I.... 1:...._ DI:\I_lI;.n~ I:Y ID~" 1 ",\
REV-1503 EX -+ (1-97)
SCHEDULE B
COMMONWEALTH OF PENNSYLVANIA STOCKS & BONDS
INHERITANCETM RETURN
RESIDENT DECEDENT
ESTATE OF FILE NUMBER
Esther M. Welsh SSft 174-05-3931 06/17/2005 21-05.0630
All property jointly-owned with right of survivorship must be disclosed on Schedule F.
ITEM DESCRIPTION UNIT VALUE VALUE AT DATE
NUMBER OF DEATH
1 Legg Mason, CUSIP #37042G5H5 - General Motors 30,157.97
Acceptance Corp
TOTAL (Also enter on line 2, Recapitulation) 30,157.97
(If more space is needed, insert additional sheets of the same size) -_.. ~-----
CopyrIght (c) 1996 form software only CPSystems, Inc.
REV-1508 EX + (1~97)
SCHEDULE E
COMMONWEALTH OF PENNSYLVANIA CASH, BANK DEPOSITS, & MISC.
INHERITANCE TAX RETURN PERSONAL PROPERTY
RESIDENT DECEDENT
ESTATE OF FILE NUMBER
Esther M. Welsh 55!1 174-05-3931 06/17/2005 21-05-0630
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 M&T Bank - Checking Account 89646002 15,059.00
2 Coin Collection - Appraisal Attached 2,006.68
3 Personal Property - Appraisal Attached 5,622.00
TOTAL (Also enter on line 5, Recapitulation) $ 22,687.68
(If more space is needed, insert additional sheets of the same size)
Copyright (e) 1996 form software only CPSys:tel't\$, Inc.
REV-1511 EX +(1-97) SCHEDULE H
COMMONWEALTH OF PENNSYLVANIA FUNERAL EXPENSES &
INHERITANCE TAX RETURN ADMINISTRATIVE COSTS
RESIDENT DECEDENT
ESTATE OF FILE NUMBER
Esther M. Welsh SSfI 174-05-3931 06/17/2005 21-05-0630
Debts of decedent must be reported on Schedule f.
ITEM
NUMBER' DESCRIPTION AMOUNT
A. FUNERAL EXPENSES,
1 Gingrich Memorials - Inscription 100.00
2 Hoffman-Roth Funeral Home - Funeral 5,871.50
B. ADMINISTRATIVE COSTS,
1. Personal Representative's Commissions 10,750.00
Name of Personal Representative(s} Leslie C. Hurley
Social Security Numbens) I EIN Number of Personal Representative(s) 177-24-5778
Street Address 281 Harvest Dr i ve
City Carlisle Stat.~Zip 17013
Year(s) Commission Paid:
2. Attorney's Fees IRWIN & McKNIGHT 11,100.00
3. Family Exemption: (If decedent's address is not the same as claimant's, attach explanation)
Claimant
Street Address
City State _ZIP
Relationship of Claimant to Decedent
4. Probate Fees Register of Wills 352.00
5. Accountant's Fees
6. Tax Return Preparer's Fees 250.00
7. Other Administrative Costs
1 Carlisle Coin Shop - Appraisal on Coin Collection 25.00
2 Cumberland Law Journal - Estate Notice 75.00
3 PENNDOT - Copy of Duplicate Title 22.50
4 Register of Wills - Filing Fee 30.00
5 Robert Sipe - Lawn Care 250.00
6 Roy D. Gottshall - Appraisal on Personal Property 65.00
Total of Continuation Schedule(s) 404.77
TOTAL (Also enter on line 9, Recapitulation) $ 29,295.77
(If more space is needed, insert additional sheets of the same size)
CopyrIght (el 1996 form software only CPSystems, Inc. --
Estate of: Esther M, Welsh
Sac Sec iI: 174-05-3931
Date of Death: 06/17/2005
Continuation of Schedule H-B7
(Other Administrative Costs)
Item Description Amount
II
7 S,W. Barrett Real Estate - Appraisal on Real Estate 275.00
8 The Sentinel - Estate Notice 129.77
___________w__
404. 77
REY-1512 EX +(1-97)
SCHEDULE I
COMMONWEALTH OF PENNSYLVANIA DEBTS OF DECEDENT,
INHERITANCE TAX RETURN MORTGAGE LIABILITIES, AND LIENS
RESIDENT DECEDENT
ESTATE OF FilE NUMBER
Esther M. Welsh SSft 174.05-3931 06/17/2005 21.05-0630
Include unreimbursed medical expenses.
ITEM
NUMBER DESCRIPTION AMOUNT
1 Lifeline - Medical 38.00
2 PP&L - Electric 152.94
3 Sprint - Telephone 42.00
TOTAL (Also enter on line 10, Recapitulation) $ 232.94
(If more space is needed, insert additional sheets of the same si2e)
Copyright (c) 1996 form software only CPSystems, Inc. ...-.. ~-~----
REV-1513 EX" (9-00)
SCHEDULE J
COMMONWEALTH OF PENNSYI.,VANIA BENEFICIAR IES
INHERITANCE TAX RETURN
RESIDENT DECEDENT
ESTATE OF FILE NUMBER
Esther M. Welsh SSI! 174-05-3931 06/17/2005 21-05-0630
RELATIONSHIP TO DECEDENT AMOUNT OR SHARE
NUMBER NAME AND ADDRESS OF PERSoMS) RECEIVING PROPERTY Do Not List Trustee{s) OF ESTATE
I. TAXABLE DISTRIBUTIONS [include outright spousal distributions, and
transfers under Sec. 9116(aX1.2)1
1 Peggy Harmer Granddaughter 5,000.00
323 W. Main Street
Apartment 1
Dallastown, PA 17313
2 Nancy Kramer Grandson 5,000.00
3905 Franklin Court
Chester Springs, PA 19425
3 Jeffrey Welsh Grandson 5,000.00
130 Perring Drive
Dallastown, PA 17313
4 John Welsh Grandson 5,000.00
9 Park Street
York, PA 17407
5 Llobd G. Welsh Son Remainder
PO ox 327
Carlisle, PA 17013
ENTER DOLLAR AMTS, FOR DISTRIBUTIONS SHOWN ABOVE ON LN, 15 THRU 18, AS APPROPRIATE. ON REV 1500 COVER SHEET
II. NON-TAXABLE DISTRIBUTIONS,
A. SPOUSAL DISTRIBUTIONS UNDER SEC, 9113 FOR WHICH AN ELECTION TO TAX IS NOT BEING MADE
B. CHARITABLE AND GOVERNMENTAL DISTRIBUTIONS
TOTAL OF PART 11- ENTER TOTAL NON-TAXABLE DISTRIBUTIONS ON LINE 13 OF REV 1500 COVER SHEET $ 0.00
(If more space is needed, insert additional sheets of the same size)
- ,-- Form REV-1S13 EX (Rev. 9-00)
LAST WILL AND TESTAMENT
I, ESTHER M. WELSH, of North Middleton Township, Cumberland County,
Pennsylvania, declare this to be my Last Will and Testament, hereby expressly revoking all Wills
and Codicils heretofore made by me.
1. I direct my Executor to pay all of my debts, funeral and administrative expenses as
soon as may be done conveniently after my decease.
2. I authorize and empower my Executor to sell any realty owned by me at my death and
not specifically devised herein at either public or private sale, and to give good and sufficient
deeds therefor, in fee simple, as I could do ifliving.
3. I give, devise and bequeath all of my estate of every nature and wherever situate as
follows:
(a) $5,000.00 to each of my grandchildren; and
(b) All the rest, residue and remainder to my son, LLOYD G. WELSH,
and if he is not living at the time of my death, to his children, share and
share alike.
4. I nominate and appoint LESLIE C. HURLEY to be the Executor of this my Last Will
and Testament; he is to serve as such without bond. Should he die before my dealh,
renounce or refuse to serve for any reason, or die leaving any of my estate unadministered, I
nominate and appoint PEARL E. HURLEY as substitute Executrix, also to serve as such without
bond, with the same powers as are given herein to my original Executor.
5. I hereby suggest that my personal representative retain the services of Irwin &
McKnight as attorneys in the settlement of my estate.
IN WITNESS WHEREOF, I have hereunto set my hand and seal this ~
\0 day of
March, 2004.
, -
G.;;5"I-iCci..~77t. {.C/4/(~ ~. (SEAL)
ESTHER M. WELSH
Signed, sealed, published and declared by ESTHER M. WELSH, the Testatrix above-
named, as and for her Last Will and Testament, in the presence of us, who, at her request, in her
presence and in the presence of each other have subscribed our names as witnesses hereto.
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ACKNOWLEDGMENT AND AFFIDA VIT
WE, ESTHER M. WELSH, MARTHA L. NOEL and SHARON L. SCHWALM, the
Testatrix and witnesses respectively, whose names are signed to the foregoing instrument, being
first duly sworn, do hereby declare to the undersigned authority that the Testatrix signed and
executed the instrument as her Last Will and Testament, that she had signed willingly, that she
executed it as her free and voluntary act for the purpose herein expressed, and that each of the
witnesses, in the presence and hearing of the Testatrix, signed the Will as a witness and that to
the best of their knowledge the Testatrix was, at that time, eighteen years of age or older, of
sound mind and under no constraint or undue influence.
C"' 'G 7n. I, /(iL.'., h,
v.5 'f-, ~ll
ESTHER M. WELSH
/'17/ akii)1~~;"'yJ '1hJr'Y
( . MAR HA L{ NOEL
{(;4. --- . // i ~.
~_" ..' {7<, ~/.,( ,~ }\.-- d:&" rj,d '~4'~ ~
SHARON L. SCHWALM
COMMONWEALTH OF PENNSYLVANIA :
: SS:
COUNTY OF CUMBERLAND :
Subscribed, sworn to and acknowledged before me by ESTHER M. WELSH, the
Testatrix herein, and subscribed and sworn to before me by MARTHA L. NOEL and
SHARON L. SCHWALM, witnesses, this IDt\" day of March, 2004.
)..CI,'< --? cb'--..
/I'/N Dtary Public
/
/
,
/ , Notarial Seal
- ,/ Roger B. Irwin. Notary Public
Carlisle Boro. Cumberland County
My Conunission Expires Oct. 3. 2004
Member, Pennsylvania AssociationofNotartes
3
S. W. BARRETT REAL ESTATE & APPRAISAL SERVICES
._. .- -- - --~- Fije No. 05-0369
"-- -.-.- -- .-
I APPRAISAL OF
I
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LOCATED AT:
1270 Newville Road
Carlisle, PA 17013-9486
I
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I FOR:
I Irwin & McKnight
60 West Pomfret Street
Carlisle, PA 17013
BORROWER:
WELSH, Esther M. (Estate)
AS OF:
June 17, 2005
BY: \
Stan A. Skowronek
Certified Residential I
l.. .. -.--- I
124-126 NORTH HANOVER STREET, CARLISLE, PA 17013 717-243~646 AND FAX 717-243-8627
S. W. BARRETT REAL ESTATE & APPRAISAL SERVICES
,------ File No 05.0369
,-.-.- - - ..
[
i
07/11/2005 I
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Irwin & McKnight
60 West Pomfret Street
Carlisle, PA 17013
File Number: 05-0369
In accordance with your request, I have personally inspected and appraised the real properly at:
1270 Newville Road
Carlisle, PA 17013-9486
The purpose of this appraisal is to estimate the market value of the subject property, as improved,
The properly rig hIs appraised are the fee simple interest in the site and improvements.
i
In my opinion, the eslimated matket value of the property as of June 17, 2005 is: I
!
I
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$192,000 I
One Hundred Ninety- Two Thousand Dollars
The attached report contains the description, analysis and supportive data for the conclusions, I
!
final estimate of value, descriptive photographs, limiting conditions and appropriate certifications. i
Respectfully submitted,
~G :~9\})fc~
Stan A. Skowronek
Certified Residential
i
-~- - ~-- - ~ -----
124-126 NORTH HANOVER STREET, CARLISLE, PA 17013 717-243-6646 AND FAX 717-243-8627
SUMMARY APPRAISAL REPORT
Prooortv DescriDtlon UNIFORM RESIDENTIAL APPRAISAL REPORT File No. 05-0369
Prooerlv Address 1270 Newville Road City Carlisle Slate P A ZloCOde 17013-9486
LeoalOescriotion Deed Book Z-29. paae 213 County Cumberland
Assessors Parcel No, 29-20-1790-020 Tax Year 05/06 RE. Taxes $ 3 260.00 Soecial Assi!ssmen1s $ NI A
Borrower WELSH Esther M. (Estate! Current Owner Welsh Esther M. Occunant j I Owner ! I Tenant Ix1 Vacant
.. Prooertv rlohts aoora~ed IXI Fee Sim"'" [-1 leasehold I Proiect T vne fl PUD fl CondominiumlHUONA;nM HOAS N/A IMo.
Neiohborhood or proiect Name North Middleton Township MaD Reference 20-1790 Census Tract 0119.01
Sale Price $ N1A Date of Sale N/A Description and $ amount of loan chargeslooncessiom; to be paid by se~ef N/A
Lender/Client Irwin & McKniaht Address 60 West Pomfret Street, Carlisle, PA 17013
Aporaiser Stan A. Skowronek Address 126 North Hanover Street Carlisle PA 17013
Location W Urban !1S) Suburban U Rural Predominant Single family housing Present land use % Land use change
Built up B Over 75% 00 25-75% B Under 25% occupancy PRICE AGE One family 55% o Not likely 0 Likely
${OOO) (yr')
Growth rale Rapid 00 Stable Slow 00 awn.. 95 130 Low New 2-4 family 0% 00 In process
Property values 00 Increasing 0 Stable B Declining o Tenant 275 Hinh 50 MuIIHami~ 0% To: Comm/Resld.
Demond/supply 00 Shortage 0 Iobalaool Ov<fsupply fEi Vacanl{M%) ,'1'\\;;;cl Predominant ~~ommercial 30%
Marketinn time /Xl Under 3 mos. M 3-6 mos. n Over 6 mos. VacaflttlP/<<S%' 150 40 Vacant' 15%
Note: Race and the racial composition of the noighborhood are not appraisal factors,
Neighborhood boundaries and characteristics: The subject is bounded on the north bv Newville Rd. on the east bv Orance St on the
: south bv Ritner Hwy and on the west bV route 233.
. Factors that affec;t the marketabillty of the properties in the neighborhood (proximity to employment and amenities, employment stability, appeal to market, etc.):
~ The sublect is located across from an area which is being developed into a trucklna warehouse comolex which could have a
" neoative affect uPon marketabilitv and/or market value.
Market conditions in the subject neighborhood (including support for the above conclusions related to the trend of property values, demand/supply, and marketing time
- - such as data on competitive properties for sale in the neighborhood, description of the prevalence of sales and financing concessions, etc.);
prooertv sales records and MLS statistics show a steadv increase in property values over the past vear. Averaae marketino
time of 20-60 davs shows a shortaae in supplv over the past several vears. Few sales and financina concessions are needed
In the neiahborhood. NOTE' See previous section.
. Project Information for PUDs (If applicable) - - Is the developer/builder in control of the Home Owners' Association (HOA)? U YES UNO
Approximate total number of units in the subject project N/A Approximate total number of units for sale in the subject project N1A
Describe common elements and recreational facilities: N/A
Dimensions See legal descrlation Topography SlIahtlv sloolno
Site area 2.21 Acres mil Corner Lot U Yes 00 No Size TVDical for area
SpecWe zoning classification and description Industrial Shope Irrenular
Zoning rompliance 0 legal 00 Legal nooronfoonilg (Grandfath..ed use) U illegal U No zoning Drainage Annears Adeauate
I Hiahest & best use as imoroved: fXl Present use "rxi" Other use (explain) See Note A View Commercial
Utllitiss Public Other Off-site Improvements Type Public Private landscaping Averaoe
Electricily 00 200 Amp Street Macadam 00 0 Driveway Surface Macadam
Gas 0 Curb/gutter None 0 0 Apparent easements None Indicated
Water DWell Sic:lewalk None 0 0 FEMA Special Flood Hazard Area DYes -00 No
Sanitary sewer R Septic Skeet lights None R R FEMA Zone C Map Date 04/01/1982
Storm sewer AHev None FEMA Mao No. 4203670010B
Comments (apparent adverse easements, encroachments, special assessments. slide areas, illegal or legal nonconforming loning, use, etc.): See Attached
Addendum
GENERAL DESCRIPTION EXTERIOR OESCRIPTION FOUNDATION BASEMENT INSULATION
No. of Units 1 Foundation Conc Blk Slab None Areo Sq,Ft. 1275 Roof 0
No. of Stories 1 Exterior Walls Brick Oav.ISpaoo Partial % Finished 00/. Ceiling * ~
Type (Oet.lAtt,) Detached Roof Surface Fiberalass Bas.ement Partial Ceiling Onen Joist Walls .
Design (Style) 1 Storv Gutters & Dwnspts. Aluminum SUIfI' Pump No Walls Conc Blk Floor . 00
Existing/Proposed Exislina Window Type Wood Frame Dampness None Obs Floor Concrete None 0
Age (Yrs,) 41 Storm/Saeem~ Y es/Y es Selllement None Obs Outside EnlIy No """""" 0
Effective Aoe y,s,\ 15-20 Manufactured House No Infestation None Obs . R Factor Unk
0 ROOMS Foy", Livino Dinino Kitchen Den Familv Rm, Rec, Rm. Bedrooms # Baths LaundfV Other Area SoH
, Basement
le\lel1 X 1 1 1 2 2 1 2550
0 level 2
0 2 Bath!.\'
Finished area above arade contains; 5 Rooms. 2 Bedroom s'; 2 550 Snuare Feet of Gross Livinn Area
. INTERIOR Materials/Condition HEATING KITCHEN EQUIP, ATTIC AMENITIES CAR STORAGE,
Floors Hrdwd/CrptNinvl Type BB Refrigerator 00 None 0 Fireplace(s)#L- ~ None 0
. Walts Drvwall Fuet Elect Range/Oven 00 stairs 00 Patio Concrete Gara.ge2 # of cars
TrimlFinish Wood ConditionAva Disposal 0 Drop Stair B Dec!< 0 Attached 2
Bath FJooc Vinvl COOLING Dishwasher 0 Scuttle Porch 0 Detached
Bath Wainscot DrvwlllCerT Central No Fan/Hood 0 Floor 00 Fence 0 Bullt-In
Doors Wood Other None MiaowClve 0 Heated R Pool R Carport
Averaae/Good CoodilionN/A Washer/DrYer M Finished Drivewav 4/Mac
Additional features (special energy efficient items. etc.): Rear covered patio.
Condition of the improvements, depreciation {physical, functional, and external), repairs needed, quality of construction remodeling/additions, etc.; Imnrove
ments are in averaae/aood condition with no phvslcal or functionallnadeouacles annarent.
0
Adverse environmental conditions (such as, but not limited 10, hazardous wastes, loxic substances. etc.) present in the improvements, on the site, or in the
immediale vicinity of the subject property; No adverse environmental conditions are aooarent/disclosed.
freddi4thcF,,"mlQ 6-'!:1 PAGE 1 OF2 FanllllMaeFlll"ml004 lj.93
p,.oducedusingACltOflw.,.e.lKXl2S4.S721wWluciwlboom
ADDENDUM
Borrower: WELSH, Esther M, (Estate) File No,: 05-0369
Property Address: 1270 Newville Road Case No.:
City: Carlisle Slate: PA Zip: 17013.9486
Lender: Irwin & McKni9ht
Site Comments
Prlvate water and sanitary systems are common to the area and have no adverse affect upon marketability. NOTE Aj The subject ;s
located in an Industrial Zoned area. The subject's immediate neighbors to the east and west afe similar grandfathered residential
uses; therefore, the immediate highest and best use Is considered to be Residential. The future highest and best use could easily
transfer to Industrial, thus increasing the value of the site.
Addendum Page 1 of 1
SUMMARY APPRAISAL REPORT
Valuation Section UNIFORM RESIDENTIAL APPRAISAL REPORT FileNo. 05-0369
ESTIMATED SITE VALUE. , . . , , . . . , . , . . . . . . . , . . , . , , . = $ Comments on Cost Approach (such as, source of cost estimate.
ESTIMATED REPRODUCTION COST-NEW OF IMPROVEMENTS: site value, square foot calculation and tor HUD. VA and FmHA, the
Dwelling Sq, Ft. @ $ = $ estimated remaining economic life of the property):
Sq, Ft. @$ = Cost Annroach deemed a Door indicator of value due to
. = ane of the ImDrovements. Estimate<! remaininn
: GarageICo-pat Sq. Ft. @ $ = economic life is 40-45 years
. -
4 Total Estimated Cast New. . . . . . . . . . . . . , .. = $
. Less PhYSical"i Functional r External Est. Remaining Econ. Ufe: -15
Depreciation = $
OepreciatedValueoflmprovements.................. . = $
"As-is" Value of Site Improvements. . . . . . , . . . , . . . . . . . . = $
INDICATED VALUE BY COST APPROACH. , , ...... = $
ITEM I SUBJECT COMPARABLE NO.1 COMPARABLE NO, 2 COMPARABLE NO, 3
1270 Newville Road 309 Croghan Drive 1210 Stratford Drive 460 Greensprlng Road
Address Carlisle Carlisle Carlisle Newville
Proximity to Subiect 0.36 MI NW ~0.97 MI S~W 10.9 MI W
Sales Price $ NIA ,$ 190000 $ 235 000 $ 195000
PricefGross Uv..Aces $ 0.00 \1l $ 86.84 IZl " ' $ 111.48 \1l" .. $ 72.140
Data and/or Inspection MLS/Courthse M LS/Courthse MLS/Courthse
Verification Sources Courthouse
VALUE ADJJSTh'ENTS DESCRIPTION OESCRIPTION -[ +(-\lAd'ustm8l\l DESCRIPTION I +(-ISAdius"","' DESCRIPTION I H.)SAdillslmflllt
Sales Of Financing 'Nlp;;ii1i)1\ , None,Conv None,Conv None,Conv
Concessions iw~,ffA!f DOM9 ! DOM 180 , DOM 75
;'w;'-;"",
Dale of SalelTime N/AA""';f " 08/12/2004 : OS/28/2004 : 1 0/29/2004 :
,
location Suburban Sunerlorl.5%\- , -9500 Sunerio;l-5%1 , -12 750 Suoeriorl-5%\ -9750
LeasehokliFeesm;e Fee Simole Fee Simnle : Fee Slmnle , Fee Simnle ,
, ,
Site 2.21 Ac/Ava .46 Ac/Avo , .35 Ac/Avo : 1 AclAvo : 9015
,
View Commercial Residential Residential Commercial
Desian and AOGeal 1 StorY/Good 1 Storv/Good , 1 Storv/Good , 1 StorY/Good ,
Quai\v of ConshJdiln Good Good , Good : Good :
,
Aoe 41 Years 26 Years , 21 Years 50 Years
Condition Ava/Good Avn/Good : Avn/Good Avo/Good :
Above Grade TotaI'8drms' Balhs ToIaI'E1<tm,' ."" : "Total' SGm" 9alht : TlltaI'Bdr~' e"", :
. Room Count 2! 5: 2: 2.00 7: 3: 2.50: -1,500 7: 3: 2.50: -1.500 6: 3: 1.50 ' 1,500
_ Gross U\linQ Area 2 550 Sn.Ft. 2188 SnH. 9050 2108 SnH : 11050 2 703 SaR : -3825
. Basement & Finished Part. Bsmtl Crawl Space , 3,000 Full Bsmt/ , -2,500 Slab 5,000
,
Rooms Below Grade Unfinished Unfinished , ,
: Functional Utilltv Averaoe Averaoe : Averaoe : Averaoe
Heatina/Coolina EBB/None HW/CA : -4000 HP/CA : -4 000 EBB/None :
. En,,",v Eflicienl Items Tvnical Tvnical Tvoical Tvnical
:
GaraoelCaroort 2 Car Garaoe 2 Car Garaoe : 2 Car Garaoe , 2 Car Garaae
,
. Porch. Patio, Deck. Patio/ DecklPorch/ -2.500 SclnPor/Patio/ -5,000 DecklPto/Gazbo/ : -2,500
Firenlacersl. etc, 1 FireDlace 1 Fireolace , 1 Fireolace , 1 FireDlace :
,
Fence, Pool, etc. None None , None : Inord Pool : -3000
: : :
Net Adi, (tolall . X. '$ 5450 I I. TXI. '$ 14700 . [1 + IX1- :$ 3560
Adjusted Sales Price :~%1S'atilll ~~'tliti't~ijtKj
of Comoars.ble $ 184550 '*:"~Jill!~!!i~~E!1ll 220 300 N~I~1it:0.1j8WI~s$l $ 191440
, ;N.II~,/.i:"". ~. .f'~":;:~ $
Comments on Sales Comparison (including the subject property's compatibility to the neighborhood, etc. ): Location adiustments reflect the subiect
beine located across from a newlv develoninn warehousinn comnlex while the comDarables are all in established residential
areas. These are the best sales comDarables known to be available. Oninion of value ranae is $184 000 to $220 000. NOTE:
No site adiustments for comDarable #'s1 & 2 since thev are serviced bv -nubllc water and sewer.
ITEM SUBJECT COMPARABLE NO, 1 COMPARABLE NO, 2 COMPARABLE NO, 3
Date. Price and Data 11130/1982
Source for prix sales $6,353 None None None
within vear of aP!)"tiisal Courthouse Courthouse Courthouse Courthouse
Analysis of any current agreement of sale, option, or listing of the subject property and analysis of any pro- sales of subject and rompwables within one yew of the date of ap~aisal:
No Drior transfers of the subiect within the Dast 36 months and no nrior transfers of the comDarables within 12 months of
their sale date.
INDICATED VALUE BY SALES COMPARISON APPROACH, " ,..,..,.,.,..,.", '.i,: . , ' . , , , , , . , . , ' . . , . . . . , . , ' , . ,$ 192 000
. INDICATED VALUE BY INCOME APPROACHllf Estimated Market Renl $ N A lMc,xGrossRenIMu"~I"" N/A-$ NIA
This appraisal is made ~ "as is. U subject to the repm, alterations, Inspections (X" conditions fisted below U subject to completion per plans and spe.citt:ations.
Conditions of Appraisal: The property has been appraised in current condition. This is for the clients use onlv~ nontransferable.
Final Reconcilialion: The Market Data Analysis supports my estimated market value of the subiect. The Cost Approach was not
deemed an aDDroDriate indicator of value due to the ane of the sub'lect and therefore was net included herein. The Income
. AODroach was also deemed inannronriate for this analvsis.
. The purpose 01 this appraisal is to estimate the market value of the real properly that is the subject o( this report, based on the above conditions and the certification, rontingent
and limiting conditions, and market value definition that;n stated in the attad'led Freddie Mac Form4391Fannie Mae Fam 1004B (Revised 6193 ),
I (WE) ESTIMATE THE MARKET VALUE, AS DEFINED, OF THE REAL PROPERTY THAT IS THE SUBJECT OF THIS REPORT, AS OF 06/17/2005
. (WHICH IS THE DATE OF INSPECTtON AND THE EFFECTIVE OATEOF THIS REPORT) TO BE$ -192,000 '~( .
, APPRAISE~G' ~ ~ SUPER'iIlSOR0"..!'RAI~(~qvIFR~U1R~:;l
Signature """"'__ . . - 1::'>>"" ,,,t Sianatu",.."::> --, 1-- L..-.-.: ' OOid OOOid Not
Name Stan A. Skowronek Name Steven W. Barrett, SRPA, SRA Inspect Properly
Dale Report Signed 07/11/2005 Dale Reoort Sioned 07/11/2005
Slate Certification # RL-001572.L Slat. P A State Certification # GA-000298-L Stale P A
Or State License # Stale Or State license # RB-026921-A Slale P A
freddleMatFllI"m1G &-'n Certified Residential PAGE 2 OF 2 L"ertified General Appraiser Far'lllieMaefcrm1004 6-93
ProdUC8duJingAClsoftw....,!IOO_23-4.1I121__acfwolt>.com
Steven W. Barrett R.E. Appr. Svc.
FLOORPLAN
~orrower: WELSH, Esther M. (Estate) FileNo.: 05-0369
Proeerty Address: 1270 Newville Road Case No.:
City: Carlisle State: PA Zip: 17013-9486
Lender: Irwin & McKnl ht
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.c 0 /~ /".,,/ .-/,//./
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I'll Dining Kitchen ~ // / /-/
,/ // /' ,/ ,/../
Bedroom co //' // -.,/
///.,/ ,/~/ //// ,
,
./ ,,/ /,/ /' .// // /'
/ T)N9-C'JryaragEJ/
/ / / /' / /
/ / " .
Living / // // /
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", - /' ./'
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Bedroom
Sketch by Apex IV Windows ,.
AREA CALCULATIONS . SUMMARY LIVING AREA 8 EAKDOWN
Code Description Size' ''Totals Breakdown Subtotals
GLAl First Ploor S49.9999 549. 999 FJ.rst Ploor
P!P Covered Patio 240.0000 240.0000 30,00 " 70,00 099.9999
GAR Two Car Garage 750.0000 7S0.0000 18.00 " 2S,OO 450.0000
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TOTAL LIVABLE (rounded) 2550 2 Areas Total (rounded) 2550 !
""<
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124-126 NORTH HANOVER STREET, CARliSLE, PA 17013 717-243-6646 AND FAX 717-243-8627
.....""..........". . I"...... ....."-. I .--- n_ I"" ""UI.";;llIPooIU...
Borrower: WELSH, Esther M. (Estate) File No,: 05-0369
Properly Address: 1270 Newville Road Case No,:
City: Carlisle State: PA Zip: 17013
Lender: Irwin & McKniaht
I ------,..----- ,
I FRONT VIEW OF
I SUBJECT PROPERTY
Appraised Date: June 29, 2005
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REAR VIEW OF
SUBJECT PROPERTY
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STREET SCENE
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Borrower: WELSH, Esther M. (Estate) File No.: 05-0369
Property Address: 1270 Newville Road Case No,:
City: Carlisle State: PA Zip: 17013-9486
Lender: Irwin & McKnioht
COMP ARABL.E SALE #1
309 Croghan Drive
Carlisle
Sale Date: 08/12/2004
Sale Price: $ 190.000
COMPARABL.E SAL.E #2
1210 Stratford Drive
Carlisle
Sale Date: OS/28/2004
Sale Price: $ 235,000
I
COMPARABL.E SAL.E #3
460 Greensprin9 Road
Newville
Sale Date: 10/29/2004
Sale Price: $ 195,000
Borrower: WELSH, Esther M. (Estate) FileNo.: 05~369
Properly Address: 1270 Newville Road Case No.:
City: C-"rlis[e State: PA Zip: 17013-9486
Lender: Irwin & McKni ht
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FloodMap Legend Flood Information
Flood Zones Commun~y: 420367. NORTH MIDDLETON, TOWNSHIP OF
PropertY' is not in a f80AAspecial flood hazard area.
Aru1i.J\Untl1t~ by 50'0-)'.. ftooding Map Numb." 420367 00109 Map Oat.: OW\llllS2
Panel: 00100 F1PS: 421141
Areas P1'tlf.p oflfle100- af\d 600<1uf l'!'oD.tfpJll"""S Zon@: C
_ Ate.$ tnuftllal!.d by tQ"'~t$l' ftOOdil'lg
..... A.f.1I:S ~.,.d by l(:O-Y,,*f QOQdlng wllh W1ta-c:Hy ~ft!d
Fhltt\1tv:ly.r..a$ Neither Transamerica Flood Hazard Certification (TFHC) nor ACI make any
representations: or uJ3fTi1nties to any party concerning th@content. accuracy or
FJoo-d'to,.,,:( .rif',tt With \'CI!loc~ h.N-.atd completeness of this tlood report. including any walT3my of merchamability or I
At.., tit' \l'Ul'~.rmln..d bvI ,oniblt ,,"11 h..ord,- fitness tor a particularpuJPose. Neither TfHC nor ACI nor the seller of this
flood repon 'Shall have: any liability to any third pany for any use: or misuse of
k.'s dO! m'pl'td on atrIJ ~he(l FIRM this flood report. I
124-126 NORTH HANOVER STREET, CARLISLE, PA 17013 717-243-1;646 AND FAX 717-243-8627
LOCATION MAP
Borrower: WELSH, Esther M. (Estate) FileNo.: 05-0369
Property Address: 1270 Newville Road Case No.:
City: Carlisle ----.Etate: PA Zip: 17013-9486
Lender: Irwin & McKni ht
--..-.-.-- --- -.--.--.- -- -- ---~ -,.--. --.---.... -- ------ --- -- --. - _.u.____ __.. _
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Prepared by_ Sleven W Barrett R.E. Appr. Svc. (717) 243-6646
----.----- -.-------- -------.---,..---.---- .---- ----.-...-.- -.--. ----0-.-- ____._. ___, __,. __ _ _.......___ _._..n.____.______.__,___.__ .___._ ____.___.__ -..---.---
124-126 NORTH HANOVER STREET, CARLISLE, PA 17013 717-243-6646 AND FAX 717-243-8627
File No 05-0369
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......... QUALIFICATIONS .........
The following checked items are SPECIFIC SPECIAL CONDITIONS that were Identified by this appraiser during the
inspection of the sUbject property, the com parables sales, and their neighborhoods and locations. Unless otherwise
noted, the conditions that apply to the subject property or the comparable sales used DO NOT AFFECT THE MARKET I
VALUE OR THE FUTURE MARKETABILITY OF THE SUBJECT PROPERTY BEING APPRAISED. This is not a home
inspection service. This is an appraisal to estimate market value.
_1. The subject is located in a rural area and is less than 25% built-up.
_x_2. Commercialllndustrial uses are located within the subject's neighborhood. These uses are typical of similar
neighborhoods.
_x_3. Vacant and undeveloped land uses are located within the sUbject's neighborhood. These uses are typical for
the area.
I
! _x_ 4. The predominant value in the neighborhood is less than that of the market value of the subject property. This
is due to the very wide range of value of properties in the area and superior quality of the subject property.
I
_5. The subject property is located In a F.E.M.A. Identified Ftood Zone. Flood insurance coverage is required and i
Ir suggested.
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II _6. Dampness Is noted in the basement of the subject. Standing or running water was not present on basement
floor. This condition is considered typical in dwellings of this style.
Ii I
Jo_7. The subject property is serviced by private well and/or septic systems which is common for the area. I
I
_x_B. The subject is older than flve(5) years. All mechanical systems including the heating, electrical and plumbing
systems appear upon a visual exterior Inspection to be in work.ing order. No warranties are implied in this statement.
_9. Repair items were noted in the comments section of the report. These comments on repair items are for
descriptive purposes only and are not required repairs. The items listed are cosmetic in nature. r
_10. The basement floor is a dirt floor. This condition is common and typical for the area. and does not pose a
health or safety hazard.
_11. The subject property does contain functional obsolescence as noted in the report. This condition is
considered typical and common for the area and this style dwelling.
_12. The land value exceeds 30% of total value due to the high demand for vacant land in this neighborhood. This
condition is considered common and typical for the neighborhood.
_13. The land value exceeds 30% of total value. This is due to the large size of the site. This condition is
considered to be typical and common.
_14. Individual adjustments were required that exceed 15%. These adjustments were required due to lack of more I
similar comparables on that individual rating. All com parables used are the best available.
_15. Total adjustments exceed 25%. This is due to the lack of comparable sales that were more similar in the
ii subject's market area. All comparabies used are the best available.
_x_16. One or more comparable sales are older than six(6} months. Although there are comparable properties in the
subject's area, none have sold recentiy; therefore, sales in excess of six(6) months have to be used. All comparables i
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used are the best available. I
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_x_H. One or more comparables used were in excess of one (1) mile from the subject property, Although there are <
comparable properties in the Immediate area, none have soid recently. Therefore, it was necessary to use comparable I
sales outside of the Immediate area. All comparables used are located in similar neighborhoods and within the same I
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marketing area. All comparables used are the best available. <
_18. The electrical system was not connected during inspection.
_19. The water service was not connected during inspection.
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_20. The heating system was shut down during Inspection.
_21. Roofing_Plumbing_Electrlcal_Heating_certification(s} is/are suggested.
_22. Inground swimming pool_, out buildings_are included__,not included_according to lender's
guidelines.
_23. According to lender's guidelines a maximum of_ acres were considered for this valuation. Remaining
acreage was given no value. i
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File No 05.()369
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********* QUALIFICATIONS *********
_24. The subject property is located on a private road.
_25. Wood infestation inspection is suggested.
_x_26. Last recorded deed transfer: Date_11/30/1982_, Consideration: $_6,353
_27. Proposed construction/renovation in accordance to plans and specifications to be completed In a workman-like
manner.
_28. Seller is paying part or all of closing costs.
_x_29. All comparable sales are verified closed sales.
_x_30. There are no special conditions or other requirements that would affect market value or future marketability in I
the Appraisal Report.
CHECKED ITEMS ARE SPECIFIC SPECIAL CONDITIONS THAT WERE IDENTIFIED BY THIS APPRAISER DURING
INSPECTION.
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File No 05-0369
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......... QUALIFICATIONS .........
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under controlled circumstances. We require third parties to comply with our standards for security and confientialily.
We do not permit use of consumer/customer information for any other purpose nor do we permit third parties to rent,
seil, trade or otherwise release or disclose information to any other party.
Ii
Education
As of the date of this report, I and/or Steven W. Barrett, SRPA, SRA, have completed the requirements under the
continuing education program of the Appraisal Institute.
I
,
,n _ ' , -,-- . - ----. -
File No, 05-0369
DEFINITION OF MARKET VALUE: The most probable price which a property should bring in a compelilive 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 stimuius. Implicit in this definition is the consummation of a sale as of a specified date and the passing ollitle from
seller to buyer under conditions whereby: (1) buyer and seller are typically motivated; (2) bolh parties are well informed or weil advised,
and each acting in what he considers his 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 therelo; and (5) the price represents the normai
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 10 financing terms offered by a third party institutional tender that is not already involved in the property or transaction. Any
adjustment shoutd not be calculated on a mechanical dollar for dollar cost of the financing or concession but the dollar amount of any
adjustment shouid approximate the markers reaction to the financing or concessions based on the Appraiser's judgment.
STATEMENT OF LIMITING CONDITIONS AND APPRAISER'S CERTIFICATION
CONTINGENT AND LIMITING CONDITIONS: The appraiser's certification Ihal appears In the appraisal report is subject to the
following conditions:
1, The appraiser will not be responsible for mallers of a legal nature that affecl either the property being appraised or the title to it. The
appraiser assumes that the litle is good and marketable and, therefore, will not render any opinions aboul the litle. The property is appraised
on the basis of it being under responsible ownership,
2. The appraiser has provided a sketch in the appraisal report to show approximate dimensions of the improvements and the sketch is
included only to assist the reader of the report in visualizing the property and understanding the appraiser's determination of its size.
3. The appraiser has examined the available flood maps lhat are provided by the Federal Emergency Management Agency (or other data
sources) and has noted in the appraisal report whether 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,
5. The appraiser has estimated the value of the land in the cost approach at its highest and best use and the improvements at their
contributory value. These separate valuations of the land and improvements must not be used in conjunction with any other appraisal and
are invalid if Ihey are so used.
6. The appraiser has noled in the appraisal report any adverse conditions (such as, needed repairs, depreciation. the presence at hazardous
wastes. toxic substances. etc, } observed during the inspection of the subject property or that he or she became aware of during the normal
research involved in performing the appraisal. Unless otherwise stated in the appraisal report, the appraiser has no knowledge of any hidden
or unapparenl conditions of the property or adverse environmental conditions (including the presence of hazardous wastes, toxic
substances, etc. ) that would make the properly more or less valuable, and has assumed Ihat there are no such conditions and makes no
guaranlees or warranties, express or implied, regarding the condition of the property. 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, the appraisal report must not be considered as an environmental assessment
of the property.
7. The appraiser obtained the information, estimates, and opinions that were expressed In the appraisal report from sources that he or she
considers to be reliable and believes them to be true and correct. The appraiser does not assume responsibility for the accuracy of such
Items that were furnished by other parties,
8, The appraiser will not disclose the contents of the appraisal report except as provided for in the Uniform Standards of Professional
Appraisal Practice,
9. The appraiser has based his or her appraisal report and vatuation conclusion for an appraisal that is subject to satisfactory completion,
repairs, or alterations on the assumption that completion of the Improvements will be performed In a workmanlike manner,
10, The appraiser must provide his or her prior written consent before the lender/ciient specified in the appraisal report can distribute the
appraisal report (including conclusions about the properly value, the appraiser's identity and professional designations. and references to
any prOfessional appraisal organizations or the firm with which the appraiser is associated) to anyone olher than Ihe borrower: the
mortgagee or its successors and assigns; the mortgage insurer; consultants; professional appraisal organizations; any slate or federally
approved financial institution; or any department, agency, or Instrumentality of the United States or any state or the District of Columbia;
except that the lender/client may distribute the property description section of the report only to data collection or reporting servlce(s)
without having to obtain the appraiser's prinr wrillen consent. The appraiser's written consent and approval must also be oblained before
the appraisal can be conveyed by anyone In the public through advertising, public relations, news, sales, or other media.
Freddie Mac Form 439 6-93 Page 1 of2 Fannie Mae Form 1004B 6-93
File No, 05-0369
APPRAISERS CERTIFICATION: The Appraiser certifies and agrees that:
1. \ ha'le researched .he subject market area and have selected a minimum of three recent sales of properties most similar and proximate
to the subject property for consideration in the saies comparison analysis and have made a dollar adjustment when appropriate to reflect the
market reaction to those items of significant variation. If a significant item in a comparable property is superior to , or more favorable than,
the subject property. I have made a negative adjustment to reduce the adjusted sales price of the comparable and, if a significant item in a
comparable property is inferior to, or less favorable than the subject property. I have made a positive adjustment to increase the adjusted
sales price of the comparable,
2. I have taken into consideration the factors that have an impact on value in my development of the estimate of market value in the
appraisal report. I have not knowingly withheld any significant information from the appraisal report and I believe, to the best of my
knOWledge. that all statements and information in the appraisal report are true and correct.
3. I stated in the appraisal report only my own personal, unbiased. and professional analysis, opinions, and conclusions, which are subject
only to the conlingenl and limning conditions specified in this form,
4, I have no present or prospective interest in the property that is the subject to 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 andlor the
estimate of market value in the appraisal report on the race, color, religion, sex, 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.
5. I have no present or contemplated future interest in the subject property, and neither my current or future employment nor my
compensation for performing this appraisal is contingent on the appraised value of the property.
6, I was not required to report a predetermined value or direction in value that favors the cause of the client or any related party.
the amount of the value estimate, the attainment of a specifiC result, or the occurrence of a subsequent event in order to receive my
compensation andlor employment for performing the appraisal. I did not base the appraisai report on a requested minimum valuation, a
specific valuation, or the need to approve a specific mortgage loan.
7. I performed this appraisal in conformity 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 as of the effective date of this appraisal,
with the exception of the departure provision of those Standards, which does not apply. I acknowledge that an estimate of a reasonable
time for exposure in the open market is a conditinn in the definition of market value and the estimate I developed is consistent with the
marketing time noted in the neighborhood section of this report unless I have otherwise stated in the reconciliation section.
8, I have personally inspecled the interior and exterior areas of the subject property and the exterior of ali properties listed as comparables
in the appraisal report. I further certify that I have noted any apparent or known adverse conditions in the subject improvements, on the
subject site, or on any site within the immediate vicinity of the subject property of which I am aware and have made adjustments for these
adverse cnnditions in my analysis of the properly value to the extent that I had market evidence to support them, I have also commented
about the effect of the adverse conditions on the marketability of the subject property,
g, I personally prepared all conclusions and opinions aboul the real estate that were set forth in the appraisal report. If I relied on
significant professional assistance from any individual or individuals in the performance of the appraisal or the preparation of the appraisal
report. I have named such individual( s) and disclosed the speCific tasks performed by them in the reconciiiation section of 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
the report; therefore. if an unauthorized change is made to the appraisal report, I will take no responsibility for it.
SUPERVISORY APPRAISER'S CERTIFICATION: If a supervisory appraiser signed the appraisal report, he or she certifies
and agrees that: I directly supervise the appraiser who prepared the appraisal report, have reviewed the appraisal report, agree with the
statements and conclusions of the appraiser, agree to be bound by the appraiser's certifications numbered 4 through 7 above, and am laking
full responsibility for the appraisal and the appraisal report
ADDRESS OF PROPERTY APPRAISED: 1270 Newville Road, Carlisle, PA 17013-9486
APPRAISER: SUPERVISORY APPRAISER (only if required)
Signature: S\~~G .~.IIL'~~ Signature: ~_ '--{.f;'L_ r-/
Name: Stan A. Skowronek Name: Steven W. Barrett, SRPA, SRA
Date Signed: 0711112005 Date Signed: 0711112005
State CertifICation #: RL-001572-L State Certification #: GA-000298-L
or State License #: or State License #: RB-026921-A
State: P A State; P A
Expiration Date of Certification or License: June 30. 2007 Expiration Date of Certification or License: June 30, 2007
o Did \Xl Did Not Inspect Property
Certified Residential Certified General Appraiser
--
Freddie Mac Form 439 6-93 Page 2 of 2 Fannie Mae Form 100466-93
LEGG
.MASON
Legg Mason Wood Walker, Incorporated
419 Stonehedge Drive. Suite /, Carlisle. fA /7013.9128
777.258.4363
AI~'l(1b"!r i'.,jFi'i 'Iork Stock Exchange, Illc/Membl:H SiPC
.
June 30, 2005
Roger B. Irwin
Irwin & McKnight
West Pomfret Professional Building
60 West Pomfret Street
Carlisle, P A 17013
RE: Ester M. Welsh
Dear Roger,
Below I have listed the information you requested. I also included an estate
valuation. Please let me know if there are any qnestions.
1. The title of her account was: Ester Welsh
2. The account was estab lished on 6/11/0 I
3. There were no other accounts here and no change of registration on this account.
4. Accrued interest as of date of death was $175.67
5. Date of death valuation - see enclosed
~jJ~
avid K. Metz
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rl;1M&TBank
499 Mitchell Road, Millsboro. DE 19966 Mail Code DE-MB3~ ~ :/,: ~ ll'i':j amI Phone (888) 502-4349
~. '.i~ J 1.W Fax (302) 934-2955
July 05, 2005
Law Offices ,...\..d 0 9 ')nf1J.;
- . !....v",v
Irwin & McKnight
West Pomfret Professional Buildin(R ,:;,' .'" v"~'-IT
60 West Pomfret Street t'.'o/ ': ""-: :"t \..1_:, _
Carlisle, Pennsylvania 17013-3222
Re: Estate or- Esther M Welsh
Social Security: 174-05-3931
Date of Death: June 17. 2005
Dear Sir or Madam:
Per your inquiry dated June 27, 2005, please be advised that at the time of death, the above-named decedent had on deposit
with this bank the following:
1. Type of Account Checking Account
Account Number 89646002
Ownership (Names oj) Esther M Welsh ·
Leslie C Hurley. POA
Opening Date 08/28/73
Balance on Date of Death $15.058.70
Accrued Interest $ 0,30
Total -iT5:1.15'9:Or'l" -.-.'.---..----.--..--
Interest Paid YTD . .$T677A~_;,rn~dim~;~st-;sMli~_;,I~ded)---..,. .
Please be advised, there was no safe deposit box found for the above decedent.
.. For further account information, regarding ownership, closures and/or reimbursement of funds, etc., please call
the Carlisle West OfrlCe# 717-240-6717,
Sincerely,
//-'
?ra-n<~""L-/ J Z; - c'
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Nancy Clagett '
Records Management
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