HomeMy WebLinkAbout12-09-78
COMMONWEALTH OF
PENNSYLVANIA
DEPARTMENT OF REVENUE
DEPT. 280601
HARRISBURG, PA 17128~01
REV.1500
INHERITANCE TAX RETURN
RESIDENT DECEDENT
OFFICIAL USE ONLY
REV-1500 EX + (6-00)
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FILE NUMBER
2.1 05
COUNTY CODE YEAR
SOCIAL SECURITY NUMBER
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DECEDENrs NAME (LAST, FIRST, AND MIDDLE INITIAL)
Deluca, Gertrude A.
DATE OF DEATH (MM-DD-YEAR)
188-14-0088
THIS RETURN MUST BE FILED IN DUPLICATE WITH THE
DATE OF BIRTH (MM.DD-YEAR)
0851
NUMBER
09-11-2005
06-14-1921
REGISTER OF WILLS
SOCIAL SECURITY NUMBER
(IF APPLICABLE) SURVIVING SPOUSE'S NAME (LAST, RRST AND MIDDLE INITIAL)
o 1. Original Return
o 4. Limited Estate
~ 6. Decedent Died Testate (Attach
copyofWilJ)
o 9. Litigation Proceeds Received
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187-18-1950
o 3. Remainder Return (date of death prior to 12-13-82)
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o 8. Total Number of Safe Deposit Boxes
o 11. Election to tax under Sec. 9113(A) (Attach Sch 0)
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4a. Future Interest Compromise (date of death after
12-12-82)
7. Decedent Maintained a Living Trust (Attach
copy of Trust)
10 Spousal Poverty Credit (date of death between
. 12-31-91 and 1-1-95)
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COMPLETE MAILING ADDRESS
2. Supplemental Return
5. Federal Estate Tax Return Required
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NAME
James D. Bogar
FlAM NAME (If applicable)
Bogar & Hipp Law Offices
TELEPHONE NUMBER
717-737-8761
One West Main Street
Shiremanstown, PA 17011
OFFICIAL USE ONLY
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1, Real Estate (Schedule A) (1) None
2, Stocks and Bonds (Schedule B) (2) 602,771.30
3. Closely Held Corporation, Partnership or Sole-Proprietorship (3) None
4. Mortgages & Notes Receivable (Schedule D) (4) None
5. Cash, Bank Deposits & Miscellaneous Personal Property (5) 64,237.84
(Schedule E)
z 6. Joinijy Owned Property (Schedule F) (6) 37,290.00
0 D Separate Billing Requested
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:5 7. Inter-Vivos Transfers & Miscellaneous Non-Probate Property (7) 122,000.00
:::> (Schedule G or L) 0 Separate Billing Requested
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a. 8. Total Gross Assets (total Lines 1-7)
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0 9. Funeral Expenses & Administrative Costs (Schedule H) (9) 19,920.84
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to. Debts of Decedent, Mortgage liabilities, & Liens (Schedule I) (10) 3,171.71
11. Total Deductions (total Lines 9 & 10)
12. Net Value of Estate (Line 8 minus Line 11)
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(8) 826,299.14
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(11) 23,092.55
(12) 803,206.59
13. Charitable and Governmental Bequests/See 9113 Trusts for which an election to tax has
not been made (Schedule J)
14. Net Value SubJect to Tax (Line 12 minus Line 13)
(13)
(14)
SEE INSTRUCTIONS ON REVERSE SIDE FOR APPLICABLE RATES
IS. Amount of line 14 taxable at the spousal tax rate, 0.00 x .00 (15)
z or transfers under Sec. 9116(a)(1 ,2)
0 (16)
~ 16. Amount of Line 14 taxable at lineal rate 803,206.59 x .045
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.. 17. Amount of Line 14 taxable at sibling rate 0.00 x .12 (17)
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0 18. Amount of Line 14 taxable at collateral rate 0.00 x .15 (18)
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CHECK HERE IF YOU ARE REOUESTING A REFUND OF AN OVERPAYMENT,
0.00
803,206.59
0.00
36,144.30
0.00
0.00
36,144.30
Copyright 2002 form software only The Lackner Group, Inc.
Form REV.1500 EX (Rev. 6-00:
Decedent's Complete Address:
STREET ADDRESS
5225 Wilson Lane
CITY Mechanicsburg
ISTATE PA
IZIP 17055
Tax Payments and Credits:
I. Tax Due (Page 1 Une 19)
2. Cred~s1Payments
A. Spousal Poverty Credit
B. Prior Payments
C. Discount
(1)
1,807.22
(2)
Total Credits (A + B + C)
3. InteresVPenalty if applicable
D. Interest
E. Penalty
TotallnterestlPenalty (0 + E) (3)
4. If Line 2 is greater than Line 1 + Line 3, enter the difference. This is the OVERPAYMENT. (4)
Check box on Page 1 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)
A. Enter the interest on the tax due. (SA)
B. Enter the total of Line 5 + 5A. This is the BALANCE DUE. (5B)
Make Check Payable to: REGISTER OF WILLS, AGENT
36,144.30
1,807.22
34,337.08
34,337.08
PLEASE ANSWER THE FOLLOWING QUESTIONS BY PLACING AN "X" IN THE APPROPRIATE BLOCKS
1. Did decedent make a transfer and: Yes
a. retain the use or income of the property transferred;................................................................................ ~
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d. receive the promise for life of either payments, benefits or care? .............................................................
2. If death occurred after December 12, 1982, did decedent transfer property within one year of death without
receiving adequate consideration? ....................................................................................................................
3. Did decedent own an "in trust for" or payable upon death bank account or security at his or her death? .........
4. Did decedent own an Individual Retirement Account, annuity, or other non.probate property which
contains a beneficiary designation? ................................................................................ ................................... 0 [!]
IF THE ANSWER TO ANY OF THE AaOYE QUESTIONS IS YES, YOU MUST COMPLETE SCHEDULE G AND FILE IT AS PART OF THE RETURN.
Under penalties of pe~UIY. I declare that I have examined this return, including accompanying schedules and statements, and to the best of my knowledge and beliel, it is true, correel and
COfTlllete. Declaration of preparer other than the personal representative is based on all inlormation of which preparer has any knowledge.
SIGNATURE OF P RESPONSIBLE FOR FI ElU ADDRESS
Richar a
301 W. Courtland Street
Shiremanstown, PA 17011
ADDRESS
ADDRESS
One West Main Street
Shlremanstown, PA 17011
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DATE
1<< 6. '(;j-
DA E
Ic2 'J. ~Af
DATE
For dates of death on or a r July ,1994 and before January 1, 1995, the tax rate imposed on the net value of transfers to or for the use of the
survivingspouseis3%[72 .. 116(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 sUlViving spouse is 0%
[72 P.S. ~9116 (a) (1.1) (U)]. The statute does not exemot a transfer to a sUlViving 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 of 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 decedenfs lineal beneficiaries is 4.5%, except as noted in 72 P .5.
~9116 1.2)[72P.S.~9116(a)(1)].
The tax rate imposed on the net value of transfers to or for the use of the decedenfs siblings is 12% [72 P.S. ~9116 (a) (1.3)]. A sibling is
defined under Section 9102, as an individual who has at least one parent in common with the decedent, whether by blood or adoption.
Rey-1503EX+(6-98)
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SCHEDULE B
STOCKS & BONDS
COMMONWEALl}l OF PENNSYLVANIA
INHERITANCE TAX RETURN
RESIDENT DECEDENT
ESTATE OF
Deluca, Gertrude A.
FILE NUMBER
21-05-
All property lolntly-owned with right of survlvonhlp must be disclosed an Schedule F.
ITEM CUSIP VALUE AT DATE
NUMBER NUMBER DESCRIPTION UNIT VALUE OF DEATH
1 Wachovla Individual Retail Account No. 2450-7595 - 460.682.42
(See September 22, 2005 letter and spreadsheet from
Wachovla Securities, LLC)
2 United States Savings Bonds -100 Series E and EE 135.088.88
Savings Bonds in varying denominations (individual
value as listed on attached savings bond calculator).
All bonds were owned jointly by Ralph a. Deluca and
Gertrude A. Deluca, husband and wife. Ralph a.
Deluca died June 30,1989, whereupon full and
complete title to all U.S. Savings Bonds became
vested solely in Gertrude A. Deluca, the Decedent
herein.
3 United States Savings Bonds - 7 Series HH U.S. 7.000.00
Savings Bonds - $1,000.00 denomination
(See copies of bonds attached.) All bonds were
owned jointly by Ralph a. Deluca and Gertrude A.
Deluca, husband and wife. Ralph a. Deluca died June
30, 1989, whereupon full and complete title to all U.S.
Savings Bonds became vested solely in Gertrude A.
Deluca, the Decedent herein.
TOTAL (Also enter on Line 2, Recapitulation) 602.n1.30
(If more space is needed, additional pages of the same size)
Copyright (c) 2002 form software only The Lackner Group, Inc.
Fonn PA-1500 Schedule B (Rev. 6-98)
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MerrtlerNY5E1SIPC
Wachovia Securities, LLC
3 Lemoyne Drive
Lemoyne, PA 17043
Post Office Box 7 f Camp Hill, PA 17001
Raymond G. Woods Jr., CFP ™
Senior Vice President - Investments
ray. woodst6lwachoviasec.com
Tel 717 761-7344
Fax 717 975-8426
800 468-8685
Shelly A. Weibley
Senior Registered Account Administrator
shellv. weiblevl1ilwachoviasec.com
WACHOVIA SECuRITIES
September 22, 2005
Mr. Richard Deluca
301 W. Courtland Ave.
Shiremanstown, PA 17011
RE: Estate of Gertrude Deluca
Dear Rid,
Attached is a spreadsheet showing the value of account #2450-7595, titled Gertrude A.
Deluca, as of her date of death.
An estate account has been opened and enclosed is the authorization to transfer the
assets. I will need an original short certificate to execute the transfer.
If you have any questions, please call me.
~aaJ~
Shelly A. Weibley
Senior Registered Acct.. Administrator
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Rev-1508 EX+ (6-98)
*'
SCHEDULE E
CASH, BANK DEPOSITS, & MISC.
PERSONAL PROPERTY
COMMONWEALTH OF PENNSYLVANIA
INHERITANCE TAX RETURN
RESIDENT DECEDENT
ESTATE OF
Deluca, Gertrude A.
FILE NUMBER
21-05-
Indude the proceeds of litigation and the date the pro::eeds were received by the estate.
All p<<lptIrty jDlntly-owned with the right of survivorshIp must be disclosed on schedule F.
ITEM
NUMBER DESCRIPTION
1 Prudential Discovery Select Variable Annuity No. E0037099 - (See attached letter
from Wachovia Securities, LLC dated December 1, 2005.)
VALUE AT DATE
OF DEATH
34.682.02
2 Xerox Life/Metlife Variable Annuity No. 0099107058 - (See attached letter from
Wachovia Securities, LLC, dated December 1, 2005.)
29.555.82
TOTAL (Also enter on Line 5, Recapitulation)
64.237.84
(If more space is needed, additional pages of the same size)
Copyright (c) 2002 form software only The Lackner Group, Inc.
Form PA-1500 Schedule E (Rev. 6-98)
,
ndCl"I,IVI. ~1,I,1Q~. u.....
3 lemO)ll1Q Drive
I.el'flOlllle. PA 17043
Post 01TI.. !lox 7. Camp Hili, PA 17001
ToI 717 761.7344
Fax 717 975-8426
BOO 46s.8685
""
Raymond G. Woods Jr., CFP
Senior VIce Pr9SidQ/lt-ln~lS
rav.woodstmwaehovla~ com
.
Shelly A. Welbley
Senior R~stered Account Administrator
shellv.weiblev@wacl\oviasec.ean
WACROVIASEOtJ.......,.....
December 1, :W05
James D. Bogar
One West Main street
5hlremansmwn, PA 17011
RE: Estate of Gertrude Deluca
Dear Mr. Bogar:
Please be advised that Gertrude Deluca owned 2 separate variable annul\:leS at the time of her
death on 5epIm1ber 11, 2005.
1. Prudential Discovery Select VarIable Annuity #E0037099
dated 910/1m, Initial premiI.Im $27,500
Valued $34,682.02 on 919/05
BeneficiarIes: James R. De/Ual2S%, Thomas W. Deluca 25%,.Jacob K. NIcholes 25%,
Isabella M. trlCholes 25%
2. Xerox Life / Metl.iff! Variable Annuity #0099107058
da1ed 4IZ9/1fJ93, inltl8l premium $16,962.39
Valued $29555.82 on 9/11/OS.
Beneficiaries: Richard Deluca 40%, ChrIstopher Deluca 15%, Shawn Nicholes 15%,
Anthony Deluca 15%, Adam Deluca 15%.
Hopefully this Is the information you're looking for 1D help with the estate t:Ixes.
~(]~
Shelly A. WelbIey
Senior Registered Aa:ount Administrator
TltE INFORlIATION lXlNT_HERIiIII /IA$ B O!ll'AINI!D _SCIURI:E$llELIEmlIlalABlEBUI' NllJ'NECESSARl.V COIIPl!1'EAND c:ANNOT BE
GUAIWfJEEI). THIS IlEPORT IS NOTTIlE ~ Clf'YOURACalUNT. 'RlURWACIlOIIIA S!CIlRII1!S CUENrSTATCIISIrISTHEOFFICIAL REOORD
OF YOUR ACCOUNT.
--
....1509EX+('.'.) .
COMMONWEALlH OF PENNSYLVANIA
INHERlTNllCE TAX RETURN
RESIOENTDECEOENT
SCHEDULE F
JOINTLY-OWNED PROPERTY
ESTATE OF
Deluca, Gertrude A.
FILE NUMBER
21-05-
"an aslet was made Joint within one year of the decedenfs date of death, It must be reported on achedule G.
SURVIVING JOINT TENANT(S) NAME
A. Richard R. Deluca
ADDRESS
RELATIONSHIP TO DECEDENT
301 W. Courtland Avenue
PA Shiremanstown
Son
B.
C.
JOINTLY OWNED PROPERTY:
LETTER DESCRIPTION OF PROPERTY %OF DATE OF DEATH
DATE
ITEM FOR JOINT MADE INCLUDE NAME OF FINANCIAL INSTITUTION AND BANK ACCOUNT DATE OF DEATH DECD'S VALUE OF
NUMBER TENANT JOINT NUMBER OR SIMILAR IDENTlFYING NUMBER. ATTACH DEED FOR VALUE OF ASSEl INTEREST DECEDENT'S INTEREST
JOINTLY-HELD REAL ESTATE.
1 A 8/19/1989 Members 1 st Money Management 12.340.23 50.000% 6.170.12
Account No. 3857-05 - date of death
value - $12,335.70; accrued interest $4.53
2 A 8/19/1989 Members 1 st Savings Account No. 6.312.45 50.000% 3.156.23
3857-00 - date of death value - $6,310.72;
accrued interest $1.73
3 A 1/1/1978 PNC Bank Checking Account No. 10.874.23 50.000% 5.437.12
5140015629 - date of death value -
$10,873.71; accrued interest $.52
4 A 8/15/1989 PNC Bank Savings Account No. 45.053.06 50.000% 22.526.53
5130212899 - date of death value -
$45,045.61; accrued interest $7.45
TOTAL (Also enter on Line B, Recapitulation) 37.290.00
(If more space is needed, additional pages of the same size)
Copyright (c) 2002 form software only The Lackner Group, Inc.
Form PA-1500 Schedule F (Rev. 6-98)
Ocr-12-2005 20:44
PNCMNK
412 768 3458 P. 01/01
0PNCBAN<
October 13, 2005
James D Bopr
Attorney at Law
One West Main St.
Shiremanstown. PA 17011
sop
RE: Estate of Gerlrode A Deluca (Deceased)
SSN: 188-14-0088
DOD: 09-11-2005
Dear Mr. Bopr:
In response to your request for Dale of Death balances for the customer noted above, our
records show the following:
CheeIdng A<<olQlt
Account #5140015629 Established 01-01-1978
GERTRUDE A DELUCA
RICHARD RDELUCA
DOD balaDce: $10,873.71 + SO.52acc:ued interest
SllvlDgJ AeeoUDt
Aeeo\ID.t #5130212899 Established 08-15-1989
GERTRUDE A DELUCA
RICHARD R DELUCA
000 balance: $45,045.6J + $7.45 accrued interest
Please note that this office only promtes date of death balances for deposit accounts
(IRAs, CDs, Checking and Savings accounts). We do Dot Pl"OCeJJ any fiaaDcial
trmsaetlODS or provide statements. If you need assistance with any of theac items,
please c:aU J -888-PNC-BANK (1-888-762-2265) or stop by your local PNe Bd branch
office.
Sincerely,
~~~
Erica L Schlegel
J -800. 762-J 775
P7.PFSC-04-F
'00 first Ave.
Pill&btuih Ph ] 5219
Mo:mbcr FDIC
TOTAL P.01
SAVINGS ACCOUNT:
Account Number/Suffix
Date Account Established
Principal Balance at Date of Death
Accrued Interest to Date of Death
Total Principal and Accrued Interest
Name of Joint Owner
Date Joint Ownership Established
MONEY MANAGEMENT ACCOUNT:
Account Number/Suffix
Date Account Established
Principal Balance at Date of Death
Accrued Interest to Date of Death
Total Principal and Accrued Interest
Name of Joint Owner
Date Joint Ownership Established
Estate of: GERTRUDE A. DELUCA
Date of Death: 09/11/2005
Social Security Number: 188.14-0088
~1~
MEMBERS 1'1
FEDERALCREDIT UNION
3857 -00
06/07/1956
$6,310.72
$1.73
$6,312.45
Richard R. Deluca
08/19/1989
3857 -05
10/01/1985
$12,335.70
$4.53
$12,340.23
Richard R. Deluca
08/19/1989
11;ERS 1ST FEDERAL CREDIT UNION
- dd2~
nise A. Wolfe
Insurance Service Supervisor
October 11, 2005
5000 Louise Drive. EO. Box 40 . Mechanicsburg, Pennsylvania 17055 . (717) 697-1161 . www.members1st.org
Rev-1510 EX+ (6-98)
*'
SCHEDULE G
INTER-VIVOS TRANSFERS &
MISC. NON-PROBATE PROPERTY
COMMONWEALTH OF PENNSYLVANIA
INHERlTANCETAX RETURN
RESIDENT DECEDENT
Deluca, Gertrude A.
FILE NUMBER
21-05-
ESTATE OF
This schedule musl be completed and filed if the answer to any of questions 1lhrough 4 on the reverse side of the REY-1500 COYER SHEET is yes.
ITEM DE:JGRIPTIONlJF PROPERTY DATE OF DEATH % OF DECO'S EXCLUSION TAXABLE
NUMBER INCLUDE NAME OF TRANSFEREE, THEIR RELATIONSHIP TO DECEDENT AND VALUE OF ASSET INTEREST (IF APPLICABLE) VALUE
THE DATE OF TRANSFER. ATTACH A COPY OF THE DEED FOR REAL ESTATE.
1 Real Estate - 2 Essex Road, Camp Hill, 125.000.00 3.000.00 122.000.00
Pennsylvania - transferred to grandson, Anthony
R. Deluca, May 24, 2005 (See attached Deed and
Real Estate Appraisal) "(AN EXEMPTION IN THE
AMOUNT OF $3,000 IS CLAIMED IN
ACCORDANCE WITH THE PROVISIONS OF THE
INHERITANCE AND ESTATE TAX ACT, BEING 72
P.S. SECTION 9108(c) AND 72 P.S. SECTION
9108(c)(3))
TOTAL (Also enter on Line 7, Recapitulation) 122.000.00
(11 more space is needed, additional pages of the same size)
Copyright (c) 2002 form software only The Lackner Group, Inc.
Form PA-1500 Schedule G (Rev. 6-98)
;;)
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Tax Parcel No. 13-24-0797-119
2uJ~ r\RY 31 Rf~ 9[jEED
THIS DEED, made this <;..J ~day of
five, (2005).
~
in the year of our Lord two thousand
BETWEEN GERTRUDE A. DELUCA, widow, of Mechanics burg, Pennsylvania, by her Agent,
RICHARD R. DELUCA, per Power of Attorney dated October 28, 1992,
Grantor
and
ANTHONY R. DELUCA, a single man, of Camp Hill, Pennsylvania,
Grantee
WITNESSETH:
In consideration of the sum of One ($1.00) Dollar, in hand paid, receipt whereof is hereby
aclmowledged, the said Grantor does hereby grant and convey to the said Grantee:
ALL THAT CERTAIN lot or plot of ground situate in Lower Allen Township, Cumberland
County, Pennsylvania, more particularly bounded and described as follows, to wit:
BEGINNING at a point on the eastern line of Essex Road, 60 feet wide at the dividing line
between Lots Nos. I and 2; THENCE along Lot No.2, North 63 degrees 33 minutes 30 seconds East, a
distance of 98.86 feet to a point on the line of Lot No. 112, Tract No.1; THENCE along Lots Nos. 112
and 113, South 9 degrees 37 minutes 30 seconds East a distance of 101.83 feet to a point on the northern
line of William Penn Drive 60 feet wide; THENCE along the northern line of William Penn Drive by a
curve to the left having a radius of 187.54 feet, a distance of 29.55 feet to the point on a curve;
THENCE by a curve to the right having a radius of 38.81 feet a distance of 62.13 feet to a point on the
eastern line of Essex Road sixty feet wide; THENCE along the eastern line of Essex Road, North 26
degrees 26 minutes 30 seconds West a distance of 54.19 feet to the place of BEGINNING.
UNDER AND SUBJECT NEVERTHELESS, to conditions, easements, restrictions and other
matters of record and any and all matters which an inspection or survey of the property would disclose.
BEING the same premises which Allen Park Development Corp. by deed dated September 23,
1952 and recorded September 23,1952, in the Office of the Recorder of Deeds of Cumberland County
in Deed Book B, Volume 15, Page 598, granted and conveyed unto Ralph Q. Deluca and Gertrude A.
Deluca, husband and wife. Ralph Q. Deluca died on June 30, 1989, whereupon title remained vested in
the surviving tenant by the entireties, Gertrude Deluca, Grantor herein.
eOOK 269 I'A~f 454
THIS IS A CONVEYANCE FROM GRANDMOTHER TO GRANDSON AND IS
THEREFORE EXEMPT FROM REALTY TRANSFER TAX.
TOGETHER with all and singular the buildings, improvements, ways, streets, alleys, passages,
waters, watercourses, rights, liberties, privileges, hereditaments and appurtenances whatsoever thereunto
belonging, or in any wise appertaining, and the reversions and remainders, rents, issues and profits
thereof; and all the estate, right, title, interest, property, claim and demand whatsoever of her, the said
Grantor, in law, equity, or otherwise howsoever, of, in, to or out of the same.
TO HAVE AND TO HOLD the said lot or piece of ground above described, with the buildings
and improvements thereon erected, hereditaments and premises hereby granted or mentioned, and
intended so to be, with the appurtenances, unto the said Grantee, his heirs and assigns, to and for the
only proper use and behoof of the said Grantee, his heirs and assigns, forever.
And the said Grantor hereby covenants and agrees that he will warrant specially the property
hereby conveyed.
IN WITNESS WHEREOF, the said Grantor has hereunto set her hand and seal the day and
year first above written.
Signed, Sealed and Delivered
JZ:;e~e ~
~tJ~
4~ ~ 4d~--
GERTRUDE A. DELUCA
By: ~~"... (SEAL)
RiCHARD R. DELUCA, Agent under Power
of Attorney dated October 28, 1992
(SEAL)
COMMONWEALTH OF PENNSYL VANIA
: ss.
COUNTY OF CUMBERLAND
On this, the J,J/fh day of M. fA'" , 2005, before me, the undersigned officer,
personally appeared RICHARD R. DELUCA, Agent for GERTRUDE A. DELUCA per Power of
Attorney dated October 28, 1992, known to me (or satisfactorily proven) to be the person whose name is
subscribed to the within instrument, and acknowledged that he executed the same as the act of his
Principal for the purposes therein contained.
IN WITNESS WHEREOF, I hereunto set my hand and official seal.
COMMONWEALTH OF PENNSYLVANIA
Notarial Seal
Debolllh J. Ziesman, Notary Public
wayne Born. CU_and County
My Convnission Expires Nov. 17,2008
Member. Pennsylvania Association Of Notaries
.
~/
llOO;{ 269 PAGE 455
I do hereby certify that the precise residence and complete post office address of the within
Grantee is:
2 Essex Road
Camp Hill, PA 17011
ftvyl{, ~<>>,
~v~
Agent for ~
COMMONWEALTH OF PENNSYL VANIA
: ss.
COUNTY OF CUMBERLAND
RECORDED on this _ day of
in Record Book , Page
Given under my hand and seal of the said office, the date above writt,:m.
A.D. 2005, in the Recorder's office of the said County,
, Recorder
;248972v2
I Certify this to be recorded
In Cumberland County P A
Recorder of Deeds
DOOK 269 PAGE 456
APPI\A.\SAL Of flEAL PflOPE,""
LOCATED At:
2e.~Rd
()<O<l- 00769 P.........
(;aITIl> Hili. pA 110'\1.-662'\
f01\:
't'ne~otG~"-oe\uC8
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caMP\"\lU.'P 11G11
Jt,.SOf:
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8'1:
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pA certll'ed...."'"""'" Real """"" tw,......
c..."",liOn __ RL ,:18906
C\SUse<RellI "...,.---
pO BOX 711
Ca.ft\P tu\\, p~ '\100,\~()T11
_GM_"H\1IWlW~"'so\I'H"\l'i,~""""",,-"800-~
B lent fCllent lhe Estate of Gertrude A. Deluca
P Address 2 Essex Rd
earn Hii
lender The Estate of Gertrude A. Deluca
Ale No. 5-1110R.1
Cou Curnberiand
State PA
Code 17Q11-6621
TABLE OF CONTENTS
Coverpags ....................... ........................ .................................................................... ............................................."'............1
Summary of SaIillnt Fsaturss.... .................................. .............................. .....................................2
USPAP Identification ......................... ....... ................................. .. .................. ............................................................... .. 3
URAR ...................... ......................... ................................ .................................................................... ............. 4
ProperlyHistoryofSubjeclPtoperty ....................................... .............................................. ........................................ .............. 6
Subject Photos........................................................................... ................................. .......................................................................... .............7
CornparablePhotos1.3..................................... ...................................................................................................................... 8
htendedUS8......................................................................................................................................................................................................................9
AppJaisal Addendum. Special CondhIons .......................................................................................................................................................................... 10
Slatement of linlllng Conditions ....................................................................................................................................................................................... 11
Electronic Slgnaturre Compliance............................................................................. .......................................................................................................... 13
Certillcalll...........................................................................................................................................................................................................................14
nvoice ......................................................................... ............................................ ............................. ......................................................................15
location Map.................................................................... ....................... ......................................................................................................................16
BuUdilgSkslch(Page-l).................................................................................................................................................................................................17
Form TOCNP - "WlnTOTAl" 8P\I3ISaI software by a Ia mode, Inc. - 1-801).AlAMOOE
SUMMARY OF SALIENT FEATURES
Subject Address 2 Essex ReI
legal Description Deed Book 00269 Page 00454
City Camp HiD
COUnty Cumberland
Slat. PA
Zip Code 17011-6621
CensusTracl 42041-o111.Q0.4
Map Reference 25420
Sale PrIce $NA
Date of Sale NA
Barower I Client /Client the Estate of Gertrude A. Deluca
lender The Estate of Gertrude A. Deluca
SIle(SquaraFeet) 94.
P~ce per Square Foot $
location Suburban
Age 55
Condition A""
Total Rooms 4
Bedrooms 2
BaIhs 1
Appraiser Dennis L Stover
Date of Appraised Value 11-23-05
Ana/EstImaleofValue $ 125,000
Foon $SO - 'WinTOTAL" appraisal software by a Ii 1TIDlIe, i'lc. -1-800-AlAMOOE
IClent the Estate of Gertrude A. Deluca
Address 2EssexRd
C Cam Hill Coo Cumbet1and
Lender The Estate of Gertrude A. Deluca
AleNo.5-1110R-1
SIlIt8 PA
Code 17011-6621
APPRAISAL AND REPORT IDENnFICATION
This appraisal confonns to 0IlD of the following definitions:
[8J Complete Appraisal (the act or process of estimating value, or an opinion of value, performed without Invoking the Departure Rule.)
o Umited Appraisal (The act or process of estimating value, or an opinion of value, performed under and reSUml11l from Invoking the
Departure Rule.)
This report is lHIll of the following types:
o Self Contained (A written report prepared under Standards Rule 2-2(a) of a Complete or limited Appraisal performed under STANDARD 1.)
~ Summary (A written report prepared under Standards Rule2-2(b) of a Complete or Umlted Appraisal performed under STANDARD 1.)
o Restricted (A written report prepared under Standards Rule 2-2(c) of a Complete or Limited Appraisal performed under STANDARD 1
for client use only.)
Comments on Standards Rule 2-3
I certify that, to the best of my knowledge and belief:
. The statements of fact contalned In this report are Irue and correcl
. The reported analyses, opinions, and condU$ions are limited only by the reported assumptions and llmlllng conditions, and are my personal, Impartia1, and
unbiased professional analyses, opinions and conclusions.
.1 have no (orthe specified) present Of prospective Interest In the property that Is the sub;ect of this report, and no (or the specified) personal Interestwlth
respect to lhe parties Involved.
. I have no bias with respect to the property that Is the subject of this report Of the parties Involved with this aasignmenl
. My engagement In this assigrwnent was not contingent Upoll developing or reporting predetermined reaulls.
. My compensation for completing this assignment Is not contingent upon the development or reporting of a predetennined value or dkectfon In value that
favors the cause of the c6ent, the amount of the value opinion, the attainment of a stipulated result, Of the oceUf'l'el"lCe of a subsequent event directly
related to the Intended use of this appl8Jsal.
. My analyses, optnlons and conclusions were developed and this report has been prepared, in conformltywith the Uniform Standards of Professional
AppralsalPractlce.
I have made a personallnspeclion of the subject property.
Comments on Appraisal and Report Identification
Note any departures from Standerds Rules 1-2, 1-3, 1-4, plus any USPAP-related issues requiring disclosure:
APPRAISER:
Signature: ~l.~
Name: Dennis l. Stover
Data Signed: 11-23-05
State Certl1lcalion #: PA Certified Residential Real Estate Aooraiser
or State Ucense #: Certification Number. Rl138906
Stale: PA
~raIlon Date of Ceftilicatlon or License: 6/3012007
SUPERVISORY APPRAISER (only II required):
Signature:
-:
OateSigned:
Stale CeflIfIcatlon#:
orStateUcense#:
State:
~iralionDateoICertiflcationorlk:eose:
OD~ 0 rndNoIlnspectPropeny
GEORGE CLAUSER
Form 102 - "WInTOTAL. appraIsaJ software by a Ia mode, Inc. -1-800-N..AMODE
GEORGE CLAUSER
UNIFORM RESIDENTIAL APPRAISAL REPORT
C Carn HilI
Summary Report
FileNo. 5-1110R_1
Slate PA Code 17011-6621
Cumberland
2 Essex Ad
L Oeser! on Deed Book 00269 Pa e 00454
Assassor's Parcel No. 13-240-797-119 Tax Year 05-06
Borrower /Client. the Estate of Gertrude A Deluca Current Owner Antho R. Deluca
Ills . ed Fee 81m leasehold P aet T pun Condominium
N hborhood or Bet Name Lower Allen T M Reference 25420
SalePriCll NA. DateofSaJe NA n of loan
lender, /lent TheEstateofGertrudeA.Oeluca Address 2 Essex Rd. eam HnI 17011
ser DennlsL.Stover AddressP. O. Box 777 Carn Hill PA 17001-0777
Location Urban Rural PNdom!nanl PAl! AG~ Pnllllt land ule %
Bu~ up 0 Over 75% 0 Under 25% ",up"'" $(000) (jrs) One "'"01 60
Growth rate 0 Rapid 0 Slow ~ Owner 70 Low 0 2.4 family 5
PrqJertyvalues 1ZIlncreaslng DOeclinirg 0 Tenant 850 Hi h 150 Mu/li-family 5
DemaOO/supply [8'J Shortage 0 In balance 0 Over SlIjlply (8J Vacant ((1-5%) Predoo1inant Commerelal 5
M . time lhIer 3 mos. 3-6 mos. Over 6 mos. Vac. lMIr 5" 125 25 Vacant 25
Iota: bee ..lIlhe recllll CODlpDSltlen of the .elghbarhood ere ...1 .ppra'''' hlelors.
Neighborhood boundaries and characteristics: The sub eel hbol11ood consists of Lower Allen T . in Cumbertand
R. . Taxes
0_
AUIIl
Cen
"
m..
NA
V"'am
c.
...",
T_
HOA NA
5 Tract 42041-o111.0lJ..4
NA
Landu.change
ONotHIoly OUIoly
!3Jlnprocess
To: vacant land to residential
develo ent
PA.
Factors that alfectthe markelablllty of the P1ope1t1es In the neighborhood (proximllyto employment and amenllles, employment stability, appeal to market etc.):
The be valued Is located alo the In the residential area known ss lower Allen l' _ SOO schools and churches are located within 5-10
minutes of the ro . Full service is available at the Carn HII end Ca ltal Cl maDs e mate 5-10 minutes. Public school students attend
the West Shore School District. Em enl cenlers are located In Harrlsbu earn Hili York and Mechanlcsbu .
Uarketcondilionsinlhesub/llctnelgltborhoodOncludiJgsupportfortheaboveconcJuslonsrelatedtothetrendofpropertyva/ues,demanllJsupply,lIldmarketingtlme
-such as data on compelllive properties foc sale in the nelghbllfhood,descriptlonolthe prevalerx:e of sales iIlllflnancingconcessions,etc.) :
Market condlUons In the su ne hborhood ere considered moderate active with low m e Interest rates bel the ma cata L Sales in recent
weeks have been moderate acttve. T I fine for residential s Includes 80% to 90% loan 1-3 nls 5.~.5% elnlerest rates for u
to 30 IS. T leal marlcetln time Is between 90 and 180 ds
ProfecIlnformItIonfor PUDs (n applicable) - -Is the developer!buiJderin cootrolofthe Home Owners' Association (HOA)? Yes No
Apprmimate 1aIaI number 01 units In the subject project AppmimalB total oomber of urits for sale in the subject IIOject
Descrlbe common elements and recreational facilities:
Dimenslons 98.6 x 101.83 x 29.55 x 62.13 x 54.19 Topography A
Sltearea .24AcresM/l ComerLoI~Yes DNo Size A
Specltic mnilig classlllcatlon and d8scrlption R-1 Sin Faml Established Residential Shape I Iar
Zlnng complf<nce ~ Legal 0 Legal nonconfoonlng (Grandfathered lISe) D HIegaI D No zoning Drainage A
st& best use as 1m Present use OIheruse aIn View A
U1111t1ee Public Other 0II-tIte1mprovlrnents Type Pubic Private landscaping A
8ec1rlclty 12'1 Slreet Maoadom 12'1 0 O~"WllY S<Jdaco Maoad.m
Gas 12'1 Cuill'gullor eo"",,, 12'1 0 ApporenI"''''''''''Of_
w... 12'1 Sidewalk eo_. 12'1 0 FEMA Spec", Rood Hazan! Area 0 Yes 12'1 No
Sanitary sewer ~ Street DgMs Incandescent ~ D FEMA Zone C Map DalB 9130119n
Storm sewer AIle None FEMA No. 4210160002B
Comments (apparent adverse easements, eocroachments, special assessments, slide arllaS, nfegal or legal nonconforming ronIng use, etc.): There are no
I easements encm8chments ecl81 assessments slide areas or 1M I or I "(lnconform uses known.
GENERAL DESCRIPTION
No.ofLkils One
No. of Stories One
Type (Del/An.) Oolaohed
Ilesll/l (Slyle) Ranch
Ellstlnil\'lOPOSOd """"
Age (VB.) 55
Effective e 15
ROOMS UvI
Basement
Levell
_2
EXTERIOfIDESCRIPTlON
Foumlatloo ConcrBlock
ExterIor Walls Brk/A1um
Roof Surface FGlSh I
Gutters & Dwnspts. Aluminum
Window Type OblHu
StormtScreens Screens
Manufactured House No
Dinin Kitthen Den
FOlINDATlOII
~ab 0
CrawlSpace 0
Basement Full
Sump Pump NA
Dampness No Evidence
SetUement NoEvldence
infestation No Evidence
Fam' Rm. Rae. Rm. Bedrooms 11 Baths
1 ToReI
2 1
BASEMENT
AreaSq.R. 940
"finished NA
CelIlng SuslO n
WaDs CBIkIPan
Aoor BJkTileJcon
Oulskle Enby NA
lau
-
INSULATION
Roof 0
CeOing A"" 12'1
Wals~12'1
Aoor~12'1
Noou_O
""'awn 0
-
SlDrlMech
AreaS.R
940
940
Finished area above econtalns: 4 Rooms' 2Bedrooms' 1 Balhs' 940 Feet 01 Gross llYln A'"
""nKlR M"~alS/Cundhioo HEATING K1TCHENEOUIP. Am: AM8<mE5 CARSTORAGl;:
Roofs C WlnfNd Pkt A Type FWA Refrlgllr.l!or 0 None Areplace{s)#~D None 0
Wals IlIPan A, Fuel G.. RangP/Oven 12'1 Slalrs PaIn FronllRear 12'1 G"'lje #ofcars
Trlnv'Flnish Wood A Condition A Disposal 0 Drop Stair Deck NA 0 Attached NA
BathRoor A, COOUNG Dishwasher 0 S_ Porch NA 0 0_ NA
BathWa/nscol MerRie A, C.otral CA faiVHaol 12'1 Aoor Fence NA 0 BuOt-1n NA
OooB Wood ^' Qlher CFans Microwave 0 Heated Pool NA 0 CeIpo" NA
Gondillon Av Washel - DIN. MAcadam
M:IItionalfealures(speclalenergyefficientltl:ms,e1c.); OWe, . ars to be.......U maintained with cod housekee I
Cooolllonoftl1elmprovemenls,depreclanon(physlcal,fllnctlooal,andextemal),repairsneeded,qualityolconslruction,remodellngladdillons, etc.: S ectlsa
ranch dweU In avera condition. P I: De lalion due to a e and condition. Functional: None External: No adverse Iocatlonal features noted.
Adv9rseenvlronnentalcondlllons (such as, but not nmiled to, hazardous wastes, toxic substances, etc.j present In the improvements, on the slte,orlnthe
Immediate Yiclnily 01 the SUbject property.: None Known - a lser Is nol uellfled to delect such substances. If the house Is sold termite and radon
certifications are es1ed. Houses butlt befonl 1978ma contalnleadbese Int.
freddie Mac Form 70 6193 PAGE 1 OF 2 fannie Mae Fonn 1004 6193
Form UA2 - "WInTOTAI.." appraisal software by a Ia mode, Inc. -l-800-AlAMODE
Summary Report
~...~- UNIFORM RESIDENTIAL APPRAISAL REPORT R.No. 5-1110R.'
ESTIMATED SITE VAlUE . ..__m__..........__~ $ Comments on Cost Approach (such as, source of cost eslimate, site value,
ESTIMATED REPRODUCTION COST-NEW.OF IMPROVEMENTS: square foot calculation and for HlIl, VA and FmHA, the estimated remaining
OwoWmg 940 Sq. Ft @$ = $ oconomlc DIe oI111e propenyl: "The - -.;.,., tho .~""uctlon
940 Sq. Ft @$ = Cost a roach which ......u1res the consIruclIon of an exact.-llca
Inclucllnn the same materials methods and workmanshln and must
Include an" exIstInn functional obsolescence. This would be mlsleadi
and makes this method mlsleadl....... The Ra .cement Cost roach
m""ht be more ann~riate but II --u\nts re lacement usIn modem
materials methods and workmanshin "Ius the elimination of a
resent functional d"::;:"';-----:UOn. This too woukl be mislead' and the
Cost A.........ch Is therefore mlsleacll
G"'llolCarport Sq. Ft @$ -
TolaI Estimated CostNew.. ___- $
less Physical Functiooal External
0"",_ I I -$
DepreclatedVaJua of Improvements ....-$
"As-ls"VaJue of Slte Improvements _ _______________________ _____ _-$
INDJCATEDYAWEBYCOSTAPPROACH .....................m.... =S
ITEM SUBJECT COMPARABLE NO. 1
2 Essex ReI 14 Essex Rd.
Address Carnn HID Camn Hili
Pmim to Sub 0.08 miles NW
Sales PrIce NA ';
IPrir.l!If.lrossUvlnoArea
Dataand/or
VerfficationSource
VAlUE ADJUSTMENTS
SaJesorRnanclng
ConcessIons
Date mSall!JTlme
Io~_
leaseholtllFMSlmnle
I-
VIew
Oesinnandlnruud
au;.. 01 CooslJUc\loo
A"
Condlllon
AboYeGrade
Room Count
Gross U- Area
Basement&Flnished
Rooms Below Grade
Fonctlonal"''''
HealIMIl".MI"
,FlIlImvEffk:lentItems
Conventional Conventional
None Known None Known
:':'i_..,_":i~'_;::d:n ,;.~-:.;:~, 9I30I05 DOM 7: 6117105 DOM 43 :
Suburban Suburban: Suburban
Fee Slmllle Fee Slmllle: Fee S~1e
.24 Acres MIl Acres .17 Acres
Avtl Eaual ~al
Ranch Ranch Ranch
AvnlRrilolt/Alum InferlorlAlumlnum +2 SOO InterlorMnul
55 55 : 55 :
Ava EQual : Enual :
Total : Bdrms: Baths Total :Bdrms: Baths: Total :Bdrms: Baths:
4 2 1 5: 3 : 1 : 5 : 3 1:
940 Sn. Ft 900 &I. Ft. : +400 900~. R. : +400
Full Part Finished NA NA. NA
RRlSto.......e NA +6 000 NA +6 000 NA
Av '" : A"" A""
GFW/4/CA C Fans GFWAlNo CA : +3000 GFWAJCA GFWAICA
Insulation Insulation: Insulation Insulation
NA 1 Car CarDOrt : -1 000 NA : 1 Car Detached
Patio Patio Pallo Patio
NA NA NA. NA
Enclosed C'.nt NA : +1 000 NA : +1 000 NA
NA. : NA : NA
N8t'd1.Itnt:d\."'::';~'\-:',UI'5?I+ n-it 11900 9900 1)(1. -,. it
Ad~sled Sales Pnce..../,/;icl,i!;i.:.{.;.,:",;t)'I. li;( "_I. I':' " /,1
of/"""'.......hla ~ 131800 125900::\'F"+lt 116970
Comments on Salas Comparison Qncludlng the subject property's compatllilty to the nelgtmfJood, etc.): Sales used were all reasonab similar dweHl sin
the same nelahborhood and sub' to reasonablv slmnar amenities. Adlustments were based on market extractlort and/or ud......ent. The Indicated value ra......e
on !he above arlel extends from $116 970 to $131800. The Indicated markel value Is estimated to be less than !he un....rend of the value ra e and al
$125000.
ITEM
IloIe,PnceaodOata
Source, for prior sales
wI1I1In-'.oI'~"~
Arayslsofanycurrentagreementofsale,opIioo,orllstlngolsubJectpropertyandanalyslsofanypriorsalesofsubjectandcomparables'Mlhlnoneyearof the date ot appraisal:
The su~ is not currentl" offered for sale or under an OUlreement of sale.
Porch,Patio,Oack,
.....;'.fSI.C.
Fence Pool etc.
COMPARABLE NO. 2
235 Cumberland Dr.
CamAHIB
0.15 miles NW
COMPA/tABLf NO. 3
116 Cumberland Dr.
CamnHlD
0.08 miles NE
.1.
116.89 rP
CPML. Cou1house, Realtor
NA
114900
.
119900
,,""00
128.89lt1f,:,.:.,.:..::,,,,;:, '.
CPML, Courthouse, Realtor
NA
Inspection
NA
DfSCRlPTKlN
"C -..::.-
133.22r/J
CPMl, Courthouse, Realtor
NA
DESCRIPTION : + '-1$ Ad st
DESCflIPTKJH :
Conventional
Noo. Koown
4129105 DOM 9
Sub...."
FeeSIm Ie
.16 Acres
E"ual
Ra","
InterloriAsbestos :
'2
E"ual :
Total :Bdnns: Baths :
5 : 3 1:
983 Sn.Ft J
-430
: +'-'IA~"
+1-I.l:Ad~'st
oesc.PTION
+2500
-2500
+6000
.2000
+, 000
2070
SUBJECT
5-31-05
CCTAO
COMPARABLE NO. 1
Not AppHcabJe
ClJotPARABLf NO. 2
Not AppHcabJe
COMPARABLf 00. 3
Not Applicable
=:::~:~~:=~=(If'::~:\ ....E.~.M~t~~iR~...."t"........NA.......-;u,;.-.~.G~~.R~M~-~~.~~.. NA _$ 125:
ThIs appraisal Is made lZJ"as Is" 0 subjet:1 to the repairs, aIteJations, Inspecllons or coodltlons IsIed below 0 subject to compl8llon per plans & spaclflcaOOos.
ClIlllIIIoos of AwraIsaI: If 1l~D8rtv Is sold sublecl to sat1sfactorv Iennile and radon certifications with a""ralsed value based on dear test results.
Anal Reconclllation: Insufficient market data was avaIlable to nracess the Incom~mach. The Cost roach Is considered and used 8S a check for this
annralsal and t\lnlcallu sets the un....r limit ofvalue. The Sales Comnarlson A roach Is deemed most I1!Ifiable and nlven nreatest wre""ht.
The purpose of this appra/sal Is to esUmate lhe market value of Ihe real property that Is the subject of thls report, based on the above condftlons and the certlllcation, contingent
and ImIUng condlUons, CIld I1Wket value delinlllon that are stated In the attached FreddIe Mac Form 4391FNMA fam 1004B (Revised 6-93
I (WE) ESTIMATE THE MARKET VALUE, AS DERNeD, OF THE REAL PROPERTY THAT IS THE SUBJECT OFTh1S REPORT. AS Of
(WHICH IS THE DATE OF INSPECTION AND THE EFFECI1VE DATE OF THIS REPORT) TO BE $ 125.000
APPIWSE~ ~/ SUPBIYlSORY APPRAISER (ONLY IFREQUlREDI:
slonaIure~~j~ Slonatulll
Name Dennis L. SloVer Name
DatsReDOt1Slaned 11-23-05 DateR........Si"ned
State Carlification # PA CertllIed Resldertlal Real Estate Appralsar Slate PA Stale Certillcation 1/
Or State license # Certlficalion Number. RL 138906 S1ate PA Or Slate LIcense #
floddeMacFoon70f193
).
11-23-05
Om, DO.Not
Inspect Property
PAGE 2 Of2
Foon UA2 - 'WioTOTAL" apl"ls~.-re by a ~ _, fIIc. -l-8lJO.AlJ\MOOE
S","
S","
FannieMaaForm1004 6-93
GEORGE ClAUSER
Borrower ICIlentthe Estate of Gertrud& A. Deluca
Address 2 Essex ReI
C Cam HBI COO Cumberland
lendl9l' The Estate of Gertrude A. Deluca
RlaNG. 5-1110R-1
Slate PA
Code 17011-6621
PROPERTY HISTORY OF SUBJECT PROPERTY
In developing a real property appraisal, when the value opinion to be developed is market value, an appraiser must, If such
Infonnatlon Is available to the appraiser In the normal course of business:
(a) analyze all agreements of sale, options, or listings of the subject property current as of the effective date of the appraisal.
(b) analyze all sales of the subject property that occumd within the three (3) years prior to the effective date of the appraisal.
The appraiser has attempted to obtain specJflc Information on the subject property wfth the following findings:
o The subject property has had no change of ownership In the past three (3) years.
o The subject property has had no change of ownership In the pastfive (5) years.
o The subject property Is cummUy under contract. DetaIls of the pending purchase are summarized below.
o The subject property Is cUlTenUy offered for sale: The listing price Is $
~ The subject property has been sold In the past three (3) year period. DetaIls of the previous sale(s) are dlscfosed below.
Sale/RecordinnOate
5-31~5
Sales Price
UsttAsklnoPrice
G"""'/Grantea
Gertrude A. DerucalAntlum~R. Deluca
DataSolllCll
CCTAO
1.00
o The subject property Is proposed construction and Is not currently being offered.
D A previous sales history of the subject property could not be obtained by the appraiser In the nonnal course of business.
Comments:
Transfer between arandmother and arandson. No an arms Ienath transaction.
Foml PHS2 - "WinTOTAL" 3JlIX'3isal software by a Ia mode, Inc. -1-8OQ-ALAMODE
Sublect Photo Page
orrower. Il8nt ICllent the Estate of Gertrude A- Deluca
Address 2 Essex ReI
C earn HiD
Lender The Estate of Gertn.rde A. Deluca
Coo Cumberland
_ PA
2 Essex Rd
SalesPrtce
GrossUvlngAnla
TotalRolllTlS
Total Beaooms
Total Bathrooms
l.oc_
Vow
Site
Quality
Ago
Form PICPJX.SR _ "WinTOTAl" appraisal soflwalll by a la mode, Inc. -1-800-AlAMOOE
Zi Code 17011-6621
Subject Front
NA
940
4
2
1
Suburban
Avg
.24Acrea MIl
AvglBrickJAlum
55
Subject Rear
Subject Street
Borrower: lant
Address
C
londer
_Io!'''-IV''
Comments:
I ~-; 'c.'_"4. 'oj
,~~~'::!/;
0LA1
...."
Building Sketch (Page - 1)
IClent the Estate of Gertrude A Deluca
2 Essex ReI
Carn HII
The Estate of Gertrude A. Deluca
Coo
State PA
Cumbertand
ZI Code 17011-6621
2 ESSEX RD.
FIRST FLOOR BASEMENT
35.0' 35..
w
KITCHEN BATH '"
BEDROOM REO ROOM ;:;
b b b e
l'i 1'i l'i 0 b
1'i
LMNG ROOM REC ROOM
BEDROOM STORAGE
MECHANICALS
20.. " 20.. "
15.0' 15.0'
NOT EXACT AND NOT TO SCALE
." 'AREA CAtcm:AT1dNsj'S~MMARY. ";'j ,.,......:'i'
-'~PtfOn'::!;-~t::i,fl-;>-;''i<:~~;:3':',..r.;:t;j:,\:_-~(~r~~>:
n...t; nom: '010.0 9010.0
~t '010.0 9010.0
~~>'~~~}[J,)~~~I,~:;.~;~~?~:.,
l'iZ'.t nOOZ'
26.0 x 35.0
2.0 "" 15.0
'10,0
30.0
Net LIVABLE Area
( Rounded)
940
2 Items
( Rounded )
940
Form SKT.BldSkJ - "WInTOTAL' appralsal software by a la mode, ioc. -1-800-Al.M4QOf
Comparable Photo Page
B Client
P Address
ICIlent the Estate of Gertrude A. Deluca
2 Essex Rd
Carn Hi.
The Estale of Gertrude A Deluca
Cumberland
Coo
L"",r
Stall> PA
Zi Coda 17011-6621
Comparable 1
14 Essex Rd.
Prox.to Subjact
Sale Price
Gross LMnll Area
Total Rooms
TolalB......
TatalBathrooms
Localioo
-
glIB
Quality
All'
0.08 man NW
119,900
900
5
3
1
Suburban
Equal
Ao...
Inferior/Aluminum
55
Comparable 2
235 Cumberland Or.
Prox.toSubiect O.15mBesNW
Sale Price 116,000
Gross liYInll Area 900
Total Rooms 5
Total Bedrooms 3
TolaIBaltJrooms 1
locaIlon Suburban
VIew Equal
Site .17 Acres
Quality InferlorMnyl
"" 55
Comparable 3
116 Cumberland Dr.
Prox.to Subjecl 0.08 miles NE
Sale PrIce 114,900
Gross LIvIng Area 983
Tala/Rooms 5
TotalBeltooms 3
Total Bathrooms 1
locaIIon Suburban
VIew Equal
Site .16 Acres
Quality Inferior/Asbestos
Aile 52
Form PtCPlX.CR - "WiJTOTAI.: apprasal software b~ a la mode. Inc. -1-800.ALAMODE
-
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Pro
C
ICDent the Estate of Gertrude A Deluca
Address 2 Essex ReI
Carn Hill
The Estate of Gertrude A Deluca
ZI Coda 17011-6621
Coo Cumberland
PA
INTENDED USE
The intended use of l!\is appraisal report Is for the lender/client to evaluate the property thai Is the subject of this appraisal for estate
purposes.
INTENDED USER
The Intended user of this appraisal report Is the lender/client.
SCOPE OF WORK
The scope of work for this appraisal Is defined by the complexity of this appraisal asalgnment and the reporting requIrements of this
appraisal form, including the followlng definition of market value, statement of assumpt/ona and limiting condlUons, and certifications. The
appraiser must. at a minImum: (1) perform a complete visual inspection of the Intericr and exterior areas of the subject property, (2) Inspect
the neighborhood, (3) inspect each of !he comparable sales from at least the street, (4) research and verify, and analyze data from reliable
public and/or private sources, and (5) report his or her analysis, oplnkms, and conclusions In this appraisal report.
EXTENT OF APPRAISAL PROCESS
The appraisal Is based on the Information gathered by the appraiser from public ntCOrds, other idenUfied sources, inspection of the
subject property and neighborhood, and selection of comparable sales within the subject maril;et area. The original source of the
comparables Is shown In the Data source section of the market grid, along with the source of confinnatlon, If available. The origlnal source
Is presented first The sources and data are considered reliable. When conflicting Information was provkled, the source deemed most
reUable has been used. Data believed to be unreliable was not lncluded In the report, nor used as a basis for the valuation conclusion.
SOURCE OF THE DEFINITION ON MARKET VALUE
USPAP, 2005 Edition
This definition is from regulations published by federal regUlatory agencies pursuant to Title XI of the Flnanclallnstitutions
Reform, Recovery and Enforcement Act (FIRREA) of 1989 between July 5, 1990 and August 24, 1990, by the Federal
Reserve System (FRS), National Credit Union Administration (NCUNA), Federal Deposit Insurance Corporation (FDIC), The
office of Thrift Supervision (OTS), and the OffICe of the Comptroller of the Currency (OCC). This definition is also referenced
in regulations jointly published by the OCC, OTS, FRS, and FDIC on June 7, 1994, and In the Interagency Appraisal and
Evaluation Guidelines, dated October 27, 1994.
Fonn SUP - "WillTOTAl' appraisal software by a la mode, ilIc. -1-8O(1..AlAMODE
Special Conditions
AI8~.5-1110R.1
Pro
C
ICllerll:theEstate of Gertrude A. Deluca
Address 2 Essex ReI
Cam HID
The Estate of Gertrude A. Deluca
Coo CUmberland
State PA
ZI Code 17011-6621
SPECIAL CONDITIONS ADDENDUM
The follOWIng cheCked Ilems are specific: special conditions that were Identffied by the appraiser during tfle Inspection of the subj<<;t property,
the Incomparable sales, and thew neigt\bOrtlocds aI'Id klcaIiofl3.
1. The subject 1$ located In a rural area and Is less than 25% bullt.up. The condition Is
typical and common ferthe area and DOES NOT affect the market value.
_X_ 2. Commercial uses are located 'Mthln the subject's nelghborilood. These uses are typical
01' similar neighborhoOds and 00 NOT anect !he market value.
_X_ 3. Industrial uses are located v.fthln the subject'S neighborhood. The presence of
industrial uses, Is typical for the neighborhood and QOES NOT affect the market value.
_X_ 4. Vacant and underdeveloped land ustlS are located 'Mthln the subject's neighborhood.
These uses life typical for the area and DO NOT affeCt the market value.
5 The predominant value In the neighborhood Is less than that of the market value of the
subject property. This condition Is due to the superior qualtles of the subject
property as deSCflbed In \his t9p0rt. ThIs condi\\on DOES NOT affect the mamet value.
6. The subject property Is located In a F. I. A. identified Flood ZoIMl.
7. Dampness Is noted In the basement of the subject. Standing or running water was not
present on basement floor.
_X_ 8. The subject Is older than fIve(5) years old. All mechanical systems Including the
healing, eleGIncal and plumblng system appears upon a visual exteriOr inspection to
be In working order. No wal18nl1es are Implied in this stalement.
9. The eIeclrlcal system was not coMeCted during Inspection.
_ 10. The water selVJce 'MlS not connected during Inspection.
_ 11. The heaUng system was shut down during Inspectlon.
_ 12. Well and septic are common to the area.
_ 13. Repair Items were noted In tfle comments section of the report. These comments on
repair items are far descriptlYe. pufl105e$. only Md are rn>trequ\red repa\f$. The
repair items are cosmetic In nature snd DO NOT afftlct the market YllIue.
_ 14. Subject Is new construCtiOn and was 90% completed on date of Inspection. Compliance
and completion inspections suggested prior to settlement.
J_ 15. Should property be sold, tennlte and radon certifications are suggested, with appraised
value based on clear results.
_ 16. The land value exceeds 30% of total value due to the high dBmand for vacant land In
this neIghborhood. This condition is considered common and lyplcal for tI\e
neighborhOOd and DOES NOT affect the market value.
_ 11. The land value exceeds 30% ottotalvalue. This Is due 10 the large size of the slle.
!his condition Is considered to be typical and comman and DOES NOT affect there market
vallJlt.
_ 18. Individual adjustments W8(6 re.qu\red that exceed 10%. Theso& adJustmen\a were required
due to the lilek of more similar comparables on that individual raUng. AI three
comparables are the BEST AVAllASlE.
_ 19. Total adjustments exceed 15%. This Is due to the lack of comparables on that individual
raUng. All three comparables are the BEST AVAIlABLE.
_X_ 2\). One Of more comparable sa\es are older than sbl(8) monlhs old. Although there are
comparable properties in the subject area, none have sok:l recenUy, therefore, sales
In excess of six (6) months old hed to be used.
_ 21. One Of' more of the comparables used were in excess of one(1) mile from the subject
property. Although there ara compllrables In the Immediate area, none have sold
recently. Therefore, it was necessary to use compamble sales outside of the
immediate area. All comparables used are located in similar nelghbolhoods and within
the same marketln9c <<rea. NI thfU oompatal:lle&used were the BEST AVAllAB\.E.
_ 22. Roofing certlflcauon Is suggested.
_23. Plumbing certiflcallan is suggested.
_24. Electlical cfl'tillcation Is suggested.
_ 25. Heating certification Is suggested.
_ 26. Flood Ha%afl11nsunmce Is suggested.
_ 27. Seller Is paying pllft or an of closing cost This DOES NOT affect Ihe market value.
_X_ 26. All compaRlble sales are closed sales.
_X_ 29. The subject propel1y has not transferred In the past three years..
_X_ 30. This appralsalls a Summary Report Voflh complete data retslned In appraisal file.
Form SUP - "WinTOTAl" appfaisal software by a fa mode, ifl(:. -1-800-Al..AMODE
DEFINITION OF MARKET VALUE: The most probable price which a property should bring In a competillve and open market under all CCifldltloos
requlsibl to a fair sale, the buyer and seller, each acting prudently, knowledgeably and assuming the P/ice Is not affected by undu8 stlmulus. knpdcItm ttUs
dllfInitIon Is the consummation of a sale as of a specified data and the passing of title from seller to buyer under conditions whereby: (1) buyer and seier are
typically motivated; (2) both parUes are Wfllllnformed or wel advised, and each acting In what he considers hls own best interest; (3) a reasonable1ine Is allowed
tor .sure In 11\8 open marMt. (4) payment Is made In tenns of cash il U.s. dollars Ill' in \ems of fllWlclal arrangements e<mparable tharelll; and (5) the price
represents the nonnaI conslderation for the properfy sold unaflected byspe<:lal or creativeflllanclng or sales concessfoos" granted by anyone associated with
thesaJe.
.. Adjustments to the comparables must be made for special or creative financiflo or sales concessions. No adjlstments am neces.wy
lor those costs which are normally paid by seners as a resu~ oIlradlUon or law in a market area; these costs are readily identifiable
since the seier pays these costs In virtually all sales transactions. Spec\aI or creative fioaIlclng adjustments can be made to the
oomparab\6 ~ Ily comparisoos \t)f\nam;\ng temlS aI1flf811 by a1lliTd party lnstltullooallender ltlatls not already Involved In the
property or transaction. Any adjustm8llt shoold not be calculaled on a mechanical dollar tor dolar cost of the IInanclng Of concession
but the doRar amount of any adjustment should approximate the markers reaction bJ the financing 0( coocesslol\s based 01\ \tit
appl3iser'sjlJdgonent.
STATEMENT OF L1MlnNG CONDITIONS AND APPRAISER'S CERTIFICAnON
CONnNGENT AND LIMITING CONDITIONS: The appraiser's certlfIcaUon that appears In the appraisal report Is subject to the following
clllldltlOOs:
1. The appralser 'MIl not be responslble for maUers 01 a legal nature that affect either the prOj)fJrty being appraised or the tIIIe to It The appraiser assumes that
the IItIe Is good and marketable and,1herefore, wil not render any opinions aboutlhe tide. The property Is appraised on the basis ot It being under responsible
O'Wll8rsltlp.
2. 1M applalSef has pro~ a sketch il1t\t aprBsal (~1\:1 so appIO'AImate dI'lltmlons 01 the improvements and lhe sketch Is Included only to assist
IhereaderofthllreportlnvlsuaIMg1hepropertyandunderstandlngttJeapprals&r'sdetelmlnallonolitsslze.
3. The appraiser has examined the avallable 1100d maps that are provided by the Federal Emergency Management Agency (or other data sources) and has naled
in1heappralsalreportwhetherthesublBCtsRelslocatedlnanidentlliedS(leCialf\OodHazardArea.Because'tht~lsootasUtWtfOl",heorsh&ma\l.es
no guarant8es,express orlmpll.ed, reganllngthis detemJlnation.
4. TIle appraiSer wiD I1Ill 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. lhe appraiser has es1!ntatlld IhevaJue of the land ln1hecosl approach at its h10hestand best use andlhe Improvements at their contrbitory value.. Thas6
sepnte valuations of the IaJ1d and improvements must not be used In conjunction wllh any other appraisal and are invalid if they are so used.
6. The appraiser has noted lnthe apjUsal report any adverse conditions (such as, needed repairs, depreciatlon,1hepresence ofbazanlous wastes,toxlc
substances, etC.) observed during the Inspection d the subject property or that lie or she beccme aware of during the nonnaI research Involved in pedorming
\he appraisal. Unless olherwlse staled In the appraisal report, Ihe appraiser bas no knO'Medge of any hidden or unappnrt coodIIIons d the property or
adverse Ilfflironmental condlllons Qncludlng '!he presence of hazardous waslfls, toxic substances, etc.) that would make the property noe Of less YilIuabIe, and
has assumed that there are no such. conditions aM: maW 00 IJUa(al1tee.s 0( Wilr!I\tie.s, ~ss or \mpIIed, regan\lng 1M COOlIllIon 011he property. The
appraiser wlB rot be responsible lor any such conditions that do exlst or for any engineering or testing thai might be required to discover whether such
condltkmsexlst Becausetheappraiserlsnotane~i1thefieldofenvlronmtlntalhazards,theappralsalreportmus1notbeconslderedasan
envlronmental assessment 01 the property.
7. The appraiser obtained the Information, estimates, and oplnklns that were eJ.JlreSsed In the appraisal report 1rom souro.,s lI1at he or she considers to be
reliable and believes 1I1ern to be true and correct The appraiser does not assume respollSlblllty for the accuracy of such Items that were furnished by other
_.
8. The appraiser will not disclose 1tJe contents ollhe awralSal report except as provided lor In 1I1e Uniform Standards of PrllIesslonal Appraisal Practice.
'g. The appraiser bas based his or her appnllsal report and valuation conclusKln lor an aJl9f3lsallhat Is subject to satlsfaGtory completion, repairs, or
allerationsontheassumptlon1hal:complelkmofthelmproV(lfJlentswllbeperiormedinaworkrnanlikemanner.
10. The appraiser mus1 provide his or her prior written CCiflsent before 1I1e Iender/cHent specllled In the appraisal report can dlstribula the appraisal report
(Iatludklg oor.c:t.lskms aboot 'tht pl"opert'j value, the appralser's ldenlity and prolesskmal deslgoalions, and relerences to any professional appraisal
orgaJizations orlhe firm wiIh which the appraiser Is assoclated) to anyone otherlhan the borrower, the mortgagee or its SUCCftSSOfS and assigns; 1he mortgage
Insurer. consultants; professional appraisal organizations; any slate or ledarally aQprovad 1inancIat Instl\UUon:<< any 0epal1ment, agency, OJ lnstrornentllity
of the LWted States or, any state or the District of Columbia; except that the Iendllr/cllent may dlslribUte the property description secliOr1 of the report only to data
coIlectioo or reporting servlce(s) WIItIout havlng to oblain the appraiser's prior written consenl The appraisers writlen coosenl and approyal mus1a1so
be obtained Delm the appraisal can be. conveyed by anyone 10 the public through advertising, pubic relations, news, sales, or other media.
Freddie Mac Forrn 4396-93
P"J8lof2
GEORGE CLAUSER
f<Hm AGl\ - 'IMIIlllfAl.' 'IlIlI1isaI so1\ware by. \a _. Int. -l.800-AlMIIlIlE
F_ Moo f<Hm 10048 6-93