HomeMy WebLinkAbout02-13-06
COMMONWEALTH OF PENNSYLVANIA
DEPARTMENT OF REVENUE
BUREAU OF INDIVIDUAL TAXES
DEPT. 280601
HARRISBURG. PA 17128-0601
REV-1162 EX(11-961
RECEIVED FROM:
PENNSYLVANIA
INHERITANCE AND ESTATE TAX
OFFICIAL RECEIPT
STEMMLER GREGORY A
302 ALLEN DALE WAY
CAMP HILL, PA 17011
____n__ fold
ESTATE INFORMATION: SSN: 144-07-2184
FILE NUMBER: 2105-1123
DECEDENT NAME: STEMMLER ARTHUR F
DATE OF PAYMENT: 02/13/2006
POSTMARK DATE: 02/13/2006
COUNTY: CUMBERLAND
DATE OF DEATH: 12/18/2005
NO. CD 006318
ACN
ASSESSMENT
CONTROL
NUMBER
AMOUNT
101 I $11,795.01
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TOTAL AMOUNT PAID:
$11,795.01
REMARKS:
CHECK# 1012
SEAL
INITIALS: MW
RECEIVED BY:
REGISTER OF WILLS
GLENDA FARNER STRASBAUGH
REGISTER OF WILLS
,a- ,
REV. "00 EX 15.001
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COMMONWEALTH OF
PENNSYLVANIA
DEPARTMENT OF REVENUE
DEPT. 280601
HARRISBURG, PA 17128-0601
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.8 1. Original Return
o 4. Limited Estate
~ 6. Decedent Died Testate (Attach copy of Will)
o 9. Litigation Proceeds Received
INHERITANCE TAX RETURN
RESIDENT DECEDENT
F
REV-1500
OFFICIAL USE ONLY
FILE NUMBER
).. \ -^S
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COUN1Y CODE YEAR
-~~~1
NUMBER
SOCIAL SECURITY NUMBER
l't - 07
34
DATE OF BIRTH (MM-DD-YEAR)
,~- Iq\y
7
1. Real Estate (Schedule A)
2. Stocks and Bonds (Schedule B)
3. Closely Held Corporation, Partnership or Sole-Proprietorship
4. Mortgages & Notes Receivable (Schedule D)
THIS RETURN MUST BE FILED IN DUPLICATE WITH THE
REGISTER OF WILLS
SOCIAL SECURITY NUMBER
o 2. Supplemental Return
o 4a. Future Interest Compromise (date 01 death after 12-12-82)
o 7. Decedent Maintained a Living Trust (Attach copy of Trust)
o 10. Spousal Poverty Credit (date of death between 12-31-91 and 1-1-95)
o 3. Remainder Return (date 01 death prior 10 12-13-82)
o 5. Federal Estate Tax Return Required
8. Total Number of Safe Deposit Boxes
o 11. Election to tax under Sec. 9113(A) (Attach Sch 0)
5. Cash, Bank Deposits & Miscellaneous Personal Property
(Schedule E)
6. Jointly Owned Property (Schedule F)
o Separate Billing Requested
7. Inter-Vivos Transfers & Miscellaneous Non-Probate Property
(Schedule G or L)
8. Total Gross Assets (total Lines 1-7)
9. Funeral Expenses & Administrative Costs (Schedule H)
10. Debts of Decedent, Mortgage Liabilities, & Liens (Schedule I)
11. Total Deductions (total Lines 9 & 10)
12. Net Value of Estate (Line 8 minus Line 11)
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FIRM NAME (If Applicable)
COMPLETE MAILING ADDRESS
3o~ A\\~~\~ Ltb..-~
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(1) :;. a.b OO~, 00 I OFFICIAL USE ONLY I
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(7) tJ () IJ '€ I ~.,--~_._~-~.
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(8) J g I bbO. '-I {)
(9) 57 S"l , 61
(10) :'V"rv-e
(11)
(12)
(13)
~15J6 63
). 75 90b ,.77
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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)
~75qo'.77
SEE INSTRUCTIONS ON REVERSE SIDE FOR APPLICABLE RATES
(14)
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15. Amount of Line 14 taxable at the spousal tax
rate, or transfers under Sec. 9116 (a)(1.2)
16. Amount of Line 14 taxable at lineal rate
17. Amount of Line 14 taxable at sibling rate
18. Amount of Line 14 taxable at collateral rate
19. Tax Due
x .0_ (15)
x .0'iS... (16)
17 ~5' 906 ,,7l
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x .12 (17)
x .15 (18)
CHECK HERE IF YOU ARE REQUESTING A REFUND OF AN OVERPAYMENT
(19)
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20.0
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Decedent's Complete Address:
STREET ADDRESS 3 0:) I en \ ~
t"'~ .'
CITY
C-
(3) -0-
(4)
(5) 1170;51D/
(5A) -0-
(5B) 1/ 795',0 I
Tax Payments and Credits:
1. Tax Due (Page 1 Line 19)
2. Credits/Payments
A. Spousal Poverty Credit
B. Prior Payments
C. Discount ~ ",/"
(1)
(\JovJE.
I\) 0:-> e
b:J..O,79
Total Credits ( A + B + C )
(2)
3.
InteresUPenalty if applicable
D. Interest
E. Penalty
.IVON~
UJNf
4.
TotallnteresUPenalty ( 0 + E )
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
5. If Line 1 + Line 3 is greater than Line 2, enter the difference. This is the TAX DUE.
A. Enter the interest on the tax due.
B. Enter the total of Line 5 + 5A. This is the BALANCE DUE.
Make Check Payable to: REGISTER OF WILLS, AGENT
, 1415,8"0
6:).D.79
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;.......................................................................................... 0
b. retain the right to designate who shall use the property transferred or its income; ............................................ 0
c. retain a reversionary interest; or.......................................................................................................................... 0
d. receive the promise for life of either payments, benefits or care? ...................................................................... 0
2. If death occurred after December 12, 1982, did decedent transfer property within one year of death
without receiving adequate consideration? .............................................................................................................. 0
3. Did decedent own an "in trust for" or payable upon death bank account or security at his or her death? .............. 0
4. Did decedent own an Individual Retirement Account, annuity, or other non-probate property which
contains a beneficiary designation? ........................................................................................................................ 0
No
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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 dedare that I have examined this return, including accompanying schedules and statements, and to the best of my knowledge and belief, it is true, correct and complete.
Declaration of preparer other than the personal representative is based on all information of which preparer has any knowledge.
ADDRESS f. .
30~ It-II~J~1e W4,,\ GCt.MD H;I(
SIGNATURE OF PREPARER OTHER THAN REPRESENfA"I'lVE I
p~ /7()"
ADDRESS
DATE
rate imposed on the net value of transfers to or for the use of the surviving spouse is 3%
For dates of death on or after July 1, 1994 anrl h~'.... ~~'=:) ~
[72 P.S. ~9116 (a) (1.1) (i)). ~ ~ ~
'1.\~
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et value of transfers to or for the use of the surviving spouse is 0% [72 P.S. ~9116 (a) (1.1) (ii)].
1 statutory requirements for disclosure of assets and filing a tax retum are still applicable even if
For dates of death on or after January 1, 19
The statute does not exemot a transfer to a ,
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 trans\
or a stepparent of the child is 0% [72 P.S. ~9116\
"'\ ~3
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one years of age or younger at death to or for the use of a natural parent, an adoptive parent,
The tax rate imposed on the net value of transfer!.
The tax rate imposed on the net value of transf€.
individual who has at least one parent in common \
~,"1
lineal beneficiaries is 4.5%, except as noted in 72 P.S. ~9116(1.2) [72 P.S. ~9116(a)(1)).
mt's siblings is 12% [72 P.S. ~9116(a)(1.3)). A sibling is defined, under Section 9102, as an
1 or adoption.
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COMMONWEALTH OF PENNSYLVANIA
INHERITANCE TAX RETURN
RESIDENT DECEDENT
SCHEDULE A
REAL ESTATE
ESTATE OF FILE NUMBER
Af'Thu,t P: >+~",...\~ ).\ oS -- I \ ~ S
All real property owned solely or as a tenant in common must be reported at fair market value. Fair market value is defined as the price at which property would be
exchanged between a willing buyer and a willing seller, neither being compelled to buy or sell, both having reasonable knowledge of the relevant facts.
Real property which is jointly-owned with right of survivorship must be disclosed on Schedule F.
ITEM
NUMBER
1.
DESCRIPTION
VALUE AT DATE
OF DEATH
SCl~
~-f
A-+~~~ A--ff rDllj-~( R~ot'-t-
~O'l. f\\\~~cd~ WCL~
e~f \-V, \ \ I POi) l7D \\
J:J..6 OO().
I
0.:1
-
TOTAL (Also enter on line 1, Recapitulation)
(If more space is needed, insert additional sheets of the same size)
$ ~).6 000) QQ..
-.
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REV1'l5081'\( .{,.97).
SCHEDULE E
COMMONWEALTH OF PENNSYLVANIA CASH, BANK DEPOSITS, & MISC.
INH~;~i~~~~ ;:tE~~~~RN PERSONAL PROPERTY
ESTATE OF 4r+hur F, S+~~\~I
FILE NUMBER
~\O~- I\~~
Include the proceeds of litigation and the date the proceeds were received by the estate. All property jointly-owned with the right of sUNivorship must be disclosed on Schedule F.
ITEM
NUMBER
1.
~,
3.
If.
>
DESCRIPTION
VALUE AT DATE
OF DEATH
(Y\ t-- T\>CV\ t: ' (,h~K', AcC.cl~
l\-cc.-oJ ~+ ~ 817;}..oJ..:; Lf ,
Se..A..~~ ~o~e.vr
$'7 bg. S'(J
M + T 6l\~\-c - c he..cJ:~ o\cc.Q~t
~Go.JV'd- *' 9i~qc1~~b
~.e.,,- ~ -eJ 1> ocv^,-ecl
4:).. :;..1:. q . f:, 0
t 0 ^ \- ~ 'ts o.&- ttc iV\.e. - S e..e.-~.J A-f p ~l.~ \
<:,r;; 7 J.., 0 ()
\ q ~ ~.J ~ <=-.\<- L~>'\.~
J D;lo,()()
c.. "" S\...O h \.-... Ov-.J
'''J 0 ~
~ 0"
-
TOTAL (Also enter on line 5, Recapitulation) $ E' 5 L b () M '-I 0
(If more space is needed, insert additional sheets of the same size)
.
. REV-1'SH EX+ (12-99) .
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SCHEDULE H
FUNERAL EXPENSES &
ADMINISTRATIVE COSTS
COMMONWEALTH OF PENNSYLVANIA
INHERITANCE TAX RETURN
RESIDENT DECEDENT
ESTATE OF
A-f'~Uf F ~+~MM\er
ITEM
NUMBER
A.
FILE NUMBER
J..\05
Debts of decedent must be reported on Schedule I.
DESCRIPTION
1.
FUNERAL EXPENSES:
A-u.er /Y)(fV\()f"\i'.\ +t~""L c....,,&.. C-e~l~~ SenJ\ L~- 1Ac
S'e..e A-~d..~~ ('ec~t
B. ADMINISTRATIVE COSTS:
4.
1.
. Personal Representative's Commissions
WOv\.V-eJ 6:1 Extt~+o r
Name of Personal Representative(s)
Social Security Number(s)/EIN Number of Personal Representative(s)
Street Address
City
State _ Zip
Year(s) Commission Paid:
2. Attorney Fees
3.
Family Exemption: (If decedent's address is not the same as claimant's, attach explanation)
Claimant G ~ o~ A. ~ -kMC't-- \~
Street Address 5 01:- A \ \ {,"4 \ ~ VJ 0..... ~
City ~r ~ \~ State ~ Zip \ '/ l') \ ,
Relationship of Claimant to Decedent S O~
.
Probate Fees GOf ~ A-++A.C-h.eJ
5. Accountant's Fees
7.
6. Tax Return Preparer's Fees
"
AprrC\.~~\~ - ~~,t ~st~ f ro~er~ -~P(""(M 10- ~~rO\Kt;.ll
.s...~ ~...c.ke. Ccf1
kr,o,^-tSeNl - perso",,\ 0f'bA)!2Jcl- \Jt\\I~e..,W"IRt ~.:lC..~b
IJ , U ~ :7 S-e-fLC\.~dtaJ c cf~
~+~~ ^,o-hLe. re.es - ~~~ 'tv'J (p..c...J ~<:1:~c.:tfU
- ~~-tn 0--\ .f\.)e...U>S v .
5e", ~c.W> ~ CfJ ~
\\2'S
AMOUNT
~\b~,O\)
0..60
35:00 1 00;:)
31'1, c ~
')..15.0~
IJS'.tJ~
~.O~
q <1..' ~
TOTAL (Also enter on line 9, Recapitulation) $ ~ 75's !. 2
(If more space IS needed, insert additional sheets of the same size)
h 1< 210s,....\ l:.:l~
RECEIPT FOR PAYMENT
-------------------
-------------------
GLENDA FARNER STRASBAUGH
Cumberland County - Register Of Wills
One Courthouse Square
Carlisle, PA 17G13
Receipt Date:
Receipt Time:
Receipt No. :
12/30/2005
13:28:41
1042939
STEMMLER ARTHUR F
Estate File No. :
Paid By Remarks:
2005-01123
STEMMLER ARTHUR F
CMM
------------------------ Receipt Distribution ------------------------
Fee/Tax Description Payment Amount Payee Name
PETITION LTRS TEST
WILL
SHORT CERTIFICATE
AUTOMATION FEE
JCP FEE
RENUNCIATION
Check# 197
Total Received.. .......
260.00
15.00
24.00
5.00
10.00
5.00
----------------
$319.00
$319.00
CUMBERLAND COUNTY GENERAL FUN
CUMBERLAND COUNTY GENERAL FUN
CUMBERLAND COUNTY GENERAL FUN
CUMBERLAND COUNTY GENERAL FUN
BUREAU OF RECEIPTS & CNTR M.D
CUMBERLAND COUNTY GENERAL FUN
t=:'\e.. .2-l 0<<; .~ t I ~ J
I!M&rBank
499 Mitchell Road, Millsboro, DE 19966 Mail Code DE-MB-12
January 10, 2006
Gregory Stemmler, Executor
Estate of: Arthur F Stemmler
302 Allendale Way
Camp Hill, Pennsylvania 17011-8411
_Re: Estate of: Arthur F Stemmler
Account Number: 81720254 & 9839985406
Date of Death: December 18. 2005
Dear Sir or Madam:
Per a memo from Dawn M Nixson at the Branch, dated December 30, 2005, please be advised that
at the time of death, the balance on the above referenced account was;
1.
Type of Account
Checking Account
Ownership (Names oj)
81720254
Arthur F Stemmler, Dorothy V Stemmler ,. tt.s ,,(Q...-Je.c...IlIVd
Account Number
Opening Date
01/28/71
$5,768.77
Balance on Date of Death
Accrued Interest
$
0.03
Total
-$5,768:80----- ----- - -- - - --- ..- - -- - -- - - ---- ---
2.
Type of Account
Checking Account
9839985406
Account Number
Ownership (Names oj)
Arthur F Stemmler ,.
Opening Date
04/18/05 Closed 12/30/05
$42,267.01
Balance on Date of Death
Accrued Interest
$
2.59
Total
-$42,269:60 -------------------
* For further account information, regarding ownership, closures fUld/or reimbursement of
funds, etc., please contact the West Shore Plaza Office at # 717-255-2271.
M & T Bank
DOD Unit / Records Management
F=",I-e.... .2\ 05"- ll,;}. ~
AVER MEMORIAL HOME AND CREMATION SERVICES, INC.
4100 ]onestown Road · Harrisburg, PA 17109 · 1-800-720-8221 · Fax 717-541-9943 .Sha~n.E. Carper, Supervisor
251386 JL5
; -r
12-18-2005
Mr. Gregory Stemmler
'302 Allendale Way
Camp Hill, PA 17011
Arthur F. Stemmler n.,. De,ceased _.'
SPECIAL eHARGES
X Direct Cremation
Forwarding Remains
Receiving Remains
Atrange For Burial
NatiQnwide Guarantee Program
Worldwide Travel Protection
TOTAL SPECIAL CHARGES
PROFESSIONAL SERVICES
Services of Funeral Director & Staff
Embalming
Other Preparation. of "'the Body
Facilities & Staff 'for Viewing ($200/hout)
Facilities & Staff far Funeral Service.
Facili ties & Staff"'fbr Memorial Service
Staff & Equipment for Viewing ($2001hour)
Arrange/Deliver Ashes' To.National Cemetery
Staff & Equipment for Memorial Service
Private Family VieWing/Witnessing Cremation
Special 48 Hour/Weekend Cremation Service
X Packaging And Forwarding Cremated Remains
Personal Delivery of Cremated Remains
Scattering of Cremated Remains .
Medical Documents/Courier Fee
TOTAL PROFESSIONAL SERVICES'
AUTOMOTIVE EQUIPMENT
Removal Vehicle
Casket Coach
. F.lower Car,.
Lead Car/Clergy Car
Service Vehicle
Family Car
TOTAL AUTOMOTIVE EQUIPMENT
$895.00
$895.00
$55.00
$55.00
$0.00
.
MERCHANDISE
Register Book
Memorial Folders
Thank You Cards #
Remembrance Package
Casket
Cardboard Container
Cremation Container
Urn Burial Vault
Veterans Flag Case
Grave/Memorial Marker
Other
Other
TOTAL MERCHANDISE
CASH ADVANCED ITEMS
Grave Opening
Cemetery Equipment "
Vault Service Charge
Newspapers
X Harrisburg Patriot
Clergy
Church/Organist/Soloist
Flowers
X Crematory Charge
X County Coroner Cremation Approval Fee
X Certified Copies (10)
X 10 Additional Death Certificates
TOTAL CASH ADVANCED ITEMS
SUMMARY OF CHARGES
Special Charges
Professional Services
Automotive Equipment-
Merchandise
Cash Advanced Items'
SUB TOTAL,,!!
$895.00.
$55.00
$0.00
$0.00
. -~$669.. 00
$1,619.00 .
DISCOUNT
- -$450.00
TOTAL
, $1 , 169 . 00.
. :-$1,,000.00
AMOUNT PAID
-
12-27-2005
BALANCE DUE
$16~.00
~l l <. ,;L I 0 S - I \ J... S
,..
$0.00
$124.00
$.400.00
$.25.00
$60.00
$60..00
$669.00
.. , '3 1\A
~,4/. /u~
\..~
THIS STATEMENT MAY NOT REFLECT ALL NEW~~APER CHARGES
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PROOF OF PUBLICATION OF NOTICE
IN CUMBERLAND LAW JOURNAL
(Under Act No. 587, approved May 16, 1929), P. L.1784
COMMONWEALTH OF PENNSYLVANIA
ss.
COUNTY OF CUMBERLAND
Lisa Marie Coyne, Esquire, Editor of the Cumberland Law Journal, of the County and
State aforesaid, being duly sworn, according to law, deposes and says that the Cumberland Law
Journal, a legal periodical published in the Borough of Carlisle in the County and State aforesaid,
was established January 2, 1952, and designated by the local courts as the official legal
periodical for the publication of all legal notices, and has, since January 2, 1952, been regularly
issued weekly in the said County, and that the printed notice or publication attached hereto is
exactly the same as was printed in the regular editions and issues of the said Cumberland Law
Journal on the following dates,
VIZ:
January 13,20,27, 2006
Affiant further deposes that he is authorized to verify this statement by the Cumberland
Law Journal, a legal periodical of general circulation, and that he is not interested in the subject
matter of the aforesaid notice or advertisement, and that all allegations in the foregoing
statements as to time, place and character of publication are true.
Stemmler, Arthur F., dec'd.
Late of the Township of Lower
Allen.
Executor: Gregory A. Stemroler,
302 Allendale Way. Camp Hill. PA
17011.
Attorney: None.
SWORN TO AND SUBSCRIBED before me this
27 day of January. 2006
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F.\<- .:1\()~-l').:~
CUMBERLAND LAW JOURNAL
32 SOUTH BEDFORD STREET
CARLISLE, P A 17013
January 27, 2006
Cumberland Law Journal is published every Friday by the Cumberland County Bar
Association and is designated by the Court of Common Pleas as the official legal publication for
Cumberland County and the legal newspaper for publication of legal notices.
TO:
Gregory A. Stemmle , EXECUTOR
RE:
Arthur F. Stemmle, ESTATE
Legal advertisements must be received by Friday Noon. All legal advertising must be
paid in advance. Make all checks payable to: Cumberland Law Journal.
Advertisement inserted on following dates:
January 13,20,27,2006
Advertising Cost
$ 75.00
$ 0.00
$ 0.00
$ 75.00
-------------
$ .00
----
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Proof of Publication
Second Proof Request
Payment Received
Total Amount Due
Payment received January 6, 2006
by Becky H. Morgenthal/Executive Director
,
F,te. .2.\ 0<; - " :L.$
~ tbc"patriot ..News
Now you know
Order Confirmation
Paver
Paver Account Number
59955
Ad Order
Sales
Order Taker
Order Source
0001438698
kkline
kkline
Phone
Customer
Stemmler, Greg
Orderer Account Number
59955
Stemmler. Greg
302 Allendale Way
Special PricinQ None
PO Number
Camp Hill PA 17011 USA
Ordered Bv
Customer Fax
Greg
Customer EMail
Customer Phone 717-761-2487
Payer Phone 717-761-2487
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Ad Number Ad Type
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846-Estate Notices-West
3
1/10/2006, 1/17/2006, 1/24/2006
Run Schedule Invoice Text
ESTATE NOTICE Letters Testamentary on the Estate of Arthur F. StefYLfl1}er
1/24/2006 9: 1 0:23AM
1
.
h/~ 2'o~- 'I;;"~
THE PATRIOT NEWS
THE SUNDAY PATRIOT NEWS
Proof of Publication
Under Act No. 587, Approved May 16, 1929
Commonwealth of Pennsylvania, County of Dauphin} ss
Joseph A. Dennison, being duly sworn according to law, deposes and says:
That he is the Assistant Controller of The Patriot News Co., a corporation organized and existing under the
laws ofthe Commonwealth of Pennsylvania, with its principal office and place of business at 812 to 818 Market
Street, in the City of Harrisburg, County of Dauphin, State of Pennsylvania, owner and publisher of The Patriot-
News and The Sunday Patriot-News newspapers of general circulation, printed aI!d published at 812 to 818 Market
Street, in the City, County and State aforesaid; that The Patriot-News and The Sunday Patriot-News were
established March 4th, 1854, and September 18th, 1949, respectively, and all have been continuously published ever
since;
That the printed notice or publication which is securely attached hereto is exactly as printed and published
in their regular daily and/or Sunday/ Metro editions which appeared in the 10th, 17th and 24th day(s) of January
2006. That neither he nor said Company is interested in the subject matter of said printed notice or advertising, and
that all of the allegations of this statement as to the time, place and character of publication are true; and
That he has personal knowledge ofthe facts aforesaid and is duly authorized and empowered to verify this
statement on behalf of The Patriot-News Co. aforesaid by virtue and pursuant to a resolution unanimously passed
and adopted severally by the stockholders and board of directors of the said Company and subsequently duly
recorded in the office for the Recording of Deeds in and for said County of Dauphin in Miscellaneous Book "M",
Volume 14, Page 317.
PUBLICATION
COpy
GREG STEMMLER
203 ALLENDALE WAY
CAMP HILL, P A. 17011
{:: ,\e.... ;L' 0'; - 1\ 'J.. ~
CLAUDE C. WOLFE & ASSOCIATES
AUCTIONEERS - APPRAISERS - RELOCATORS
FAMILY OWNED SINCE 1910
2009 LINCOLN STREET - CAMP HILL, PA 17011-3842
(717) 737-0734 - E-mail: k3wc@arrl.net
January 25, 2006
Estate of Arthur F. Stemmler
302 Allendale Way
Camp Hill, Pa 17011
INVOICE
Fair Market Value appraisal and documentation of personal property.
$ 325.00
R,,\J.. (-:?~ 6(;" $7.,2:)160
1=. \ ~ ~\ 0 S - i \ '- S
January 13,2006
Appraisal for the Estate of Arthur F. Stemmler
302 AUendale Way, Camp Hill, PA 17011
ENTRY
Artificial flowers in vase
Umbrella tin and two canes
Settee
4 Framed prints
Wall mirror
3.00
5.00
65.00
10.00
30.00
Misc. wall hangings
Flat iron
Upright vacuum cleaner
3.00
2.00
10.00
LIVING ROOM
Pair of end tables
Drop leaf coffee table w/Queen Anne legs
Sofa
Pair of brass lamps
Straight chair w/needlepoint seat
70.00
60.00
80.00
15.00
25.00
Pair of blue wing back chairs
Tilt top table
33 1/3 rpm record albums
Colored Oriental style table lamp
Vase w/eucalyptus
70.00
40.00
3.00
17.00
7.00
Gilt wall mirror - fair condition
Pair of scenic "Water" paintings
Flip top card table
White vase w/decorations - chipped
Clear table lamp
25.00
10.00
175.00
1.00
8.00
CLAUDE C. WOLFE & ASSOCIATES
AUCTIONEERS & APPRAISERS
FAMILY OWNED SINCE 1910
2009 LINCOLN STREET · CAMP HILL, PA 17011
717-737-0734
Stemmler appraisal
Page 2 of 7
LIVING ROOM - continued
Two drawer drop leaf stand
White, fruit motif, table lamp
Brass log holder
Brass andirons
2 Pair of brass candlesticks
Marble top Eastlake commode
Magnavox TV
Tan upholstered chair
Painted comer knick-knack shelf
Drop leaf table - refinished
Cane sided chair
Large painting - Countryside scene
Still painting of fruit
Misc. wall hangings and decorations
Misc. contents ofliving room
DINING ROOM
8-Piece dining room suite
Marble top server
W edgwood "Wellesley" svc/14 dinnerware
Misc. serving pieces
Gorham svcl8 sterling flatware
Misc. sterling silver serving pieces
5-Piece plated silver tea set
Misc. wall hangings
Misc. table linens
Walker
II Decorator plates
Misc. contents of dining room
~
fl \R...- ;;l \ 0 5 - I \ d- .3
150.00
2.00
1.00
125.00
50.00
13 5.00
40.00
15.00
25.00
95.00
7.00
30.00
10.00
25.00
25.00
350.00
175.00
125.00
75.00
700.00
100.00
60.00
15.00
20.00
2.00
50.00
25.00
CLAUDE C. WOLFE & ASSOCIATES
AUCTIONEERS & APPRAISERS
FAMILY OWNED SINCE 1910
2009 LINCOLN STREET · CAMP HILL, PA 17011
717-737-0734
Stemmler appraisal
Page 3 of 7
KITCHEN
RCA refrigerator
GE microwave
GE washing machine
Hotpoint clothes dryer
Clock
Table and 3 chairs
Trash can
Electric can opener
Ironing board
Misc. everyday dishes
Electric iron
Cookware
Utensils
Flatware
Misc. contents of kitchen
FAMILY ROOM
Pair of end tables
Coffee table
Recliner
2 Upholstered chairs
Dry sink
Bookcases
Remote telephone
Misc. books
Sony TV and stand
Panasonic DVD/CD player
t=" I \-e..,. ?- \ o~ -- ( \ ). ~
100.00
15.00
100.00
60.00
2.00
25.00
1.00
2.00
1.00
15.00
2.00
8.00
2.00
2.00
25.00
20.00
5.00
25.00
20.00
400.00
10.00
12.00
10.00
150.00
60.00
ClAUDE C. WOLFE & ASSOCIATES
AUCTIONEERS & APPRAISERS
FAMILY OWNED SINCE 1910
2009 LINCOLN STREET · CAMP HILL, PA 17011
717-737-0734
Stemmler appraisal
Page 4 of 7
FAMILY ROOM - continued
Exercise bike
Regulator clock
Misc. pictures and wall hangings
School desk
Rocking chair
Pair of kerosene lamps
Misc. contents offamily room
GARAGE
Misc. garden tools
Lawn mower
Snow blower
Aluminum ladder
Wooden extension ladder
Bicycle
Misc. lawn furniture
Misc. contents of garage
MASTER BEDROOM
Double bed
Painted dressing table
Painted desk
Walker
Cardboard chest
Chest on chest
Misc. jewelry
Trash can
Treadle sewing machine
Sewing basket
E\<- )..IOS:-IIJ...)
10.00
65.00
25.00
35.00
15.00
40.00
25.00
25.00
25.00
45.00
10.00
5.00
35.00
5.00
25.00
60.00
5.00
5.00
2.00
1.00
70.00
40.00
1.. 00
65.00
3.00
CLAUDE C. WOLFE & ASSOCIATES
AUCTIONEERS & APPRAISERS
FAMILY OWNED SINCE 1910
2009 LINCOLN STREET · CAMP HILL, PA 17011
717-737-0734
Stemmler appraisal
Page 5 of 7
MASTER BEDROOM - continued
ReA portable TV and stand
Empire dresser
Pair of blue table lamps
Glass table lamp
Rush seat chair
Telephone - old
Pair of bird prints in old frames
Misc. wall hangings
Alarm clock
Rug
Ogee mirror
Bed linens
Misc. contents of bedroom
BATH
Misc. contents
HALL
Misc. linens
REAR NORTH BEDROOM - BLUE
Slant-top serpentine secretary desk - Phelps & Bradley
Trash can
Rocking chair
Painted pie crust table
Single bed
Rug
Brass table lamp
Painted dresser
2 Table lamps
r- I \<- ;). \ 0 s:-- - , \ ).. ~
30.00
200.00
5.00
1.00
10.00
1.00
40.00
10.00
2.00
2.00
70.00
5.00
25.00
1.00
8.00
175.00
1.00
15.00
8.00
15.00
2.00
5.00
30.00
3.00
CLAUDE C. WOLFE & ASSOCIATES
AUCTIONEERS & APPRAISERS
FAMILY OWNED SINCE 1910
2009 LINCOLN STREET · CAMP HILL, PA 17011
717-737-0734
Stemmler appraisal
Page 6 of 7
REAR NORm BEDROOM - BLUE - continued
Bed lines
Misc. contents of bedroom
FRONT NORTH BEDROOM - PINK
Victorian straight chair
Electric fan
Trash can
Marble top dresser
Antique wall mirror
2 Electric fans
Painted stand
Boudoir chair
Shoe rack
Empire chest
Glass lamp
Glass lamp w/floral motif
Double bed - poster
Rug
Round table
Misc. pictures
Bed linens
Misc. contents of bedroom
BASEMENT
Misc. Christmas decorations
Misc. chairs
Ping pong table
Dehumidifier
Misc. hand tools
~,\~ d-\o.s--II;)..'5
5.00
15.00
15.00
1.00
1.00
250.00
65.00
5.00
15.00
2.00
1.00
175.00
30.00
2.00
125.00
3.00
10.00
10.00
10.00
10.00
20.00
25.00
10.00
10.00
15.00
, . .
CLAUDE C. WOLFE & ASSOCIATES
AUCTIONEERS & APPRAISERS
FAMILY OWNED SINCE 1910
2009 LINCOLN STREET · CAMP HILL, PA 17011
717-737-0734
Stemmler appraisal
Page 7 of 7
BASEMENT - continued
Hardware
Trash can
Workbench
Hotpoint remgerator ~ old
Sleeping bag
Misc. luggage
RAM Accubar golf clubs & bag
2-Drawer file cabinet
Mission style desk ~ painted green
40's Drop leaf kitchen table
Trash can
4 Old trunks ~ poor condition
White folding metal tables
Round card table and chairs
Floor fan
Hose reel
Exercise bike
Green 4-drawer chest
Misc. contents of basement
REAR ENCLOSED PATIO
Misc. lawn & patio furniture
r:-j \~ J...\ 0 s;-- II 1.. 3
3.00
1.00
7.00
1.00
3.00
5.00
35.00
5.00
20.00
10.00
1.00
5.00
12.00
15.00
3.00
1.00
1.00
5.00
50.00
15.00
APPRAISAL TOTAL $ 6,572.00
This Fair Market Value appraisal is true and correct to the best of my ability as an
auctioneer and appraiser with 35 years experience.
Member: Certified Appraisers Guild of America
\rJ,\< % N 0--
W. K. Dusty Ch~pman, c~
.,
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INVOICE
Date: 01-18-06 File No. 601005
Case No.
Prepared for:
Gregory A. Stemmler
302 Allendale Way
Camp Hill, PA 17011
Property Appraised:
Stemmler Estate
302 Allendale Way
Camp Hill. PA 17011
Work Performed:
Full Appraisal Report - 1004 URAR - $ 275.00
$
$
$
$
$
Total Amount Due: $ Paid In Full
Please make checks payable to:
PREMIER APPRAISALS ,
3015 Harvard Ave.
Camp Hill, PA 17011
ClickFORMS Appraisal Software 800-622-8727
. r
APPRAISAL REPORT
OF
302 Allendale Way
Camp HUI, PA 17011
PREPARED FOR
Gregory A. Stemmler
302 Allendale Way
Camp HUI, PA 17011
AS OF
01-13-00
PREPARED BY
PREMIER APPRAISALS
3015 Harvard Ave.
Camp Hill, PA 17011
, r
Premier Appraisals
l\\~)..\O~- I\J....5
File No.
601005
UNIFORM RESIDENTIAL APPRAISAL REPORT
ProDertv DescriDtion Case No.
I Pro..."" Add'." 302 Allendale Way City Camo Hill State PA ZiD Code 17011
Leaal Descriotion Deed Book 23X Paae 963 County Cumberland
Assessor's Parcel No. 13-24-0709-080 Tax Year 2005-06 R.E. Taxes $ 2,485.00 Special Assessments $ N/A
Borrower N/ A Current Owner Stemmler Estate OccuDant I I Owner r 1 Tenant r X l Vacant
~ Pronertv riahts aooraised I X I Fee Simole I .1 Leasehold Proiect Tvne l PUD I I Condominium (HUDNA onlv) HOA$ N/A /Mo.
I N""hbomood" Prol"" N'me AIIe""'~ . low., A'~" T ow",h'o Meo Reference ':>-23-070>-0" C",,"S T,"" 42-41-0109.00
Sale Price $ Market Value Date of Sale N/A Descriotion and $ amount of loan charaes/concessions to be paid by seller N/A
Lender/Client Greaorv A. Stemmler Address 302 Allendale Way Camo Hill PA 17011
AODraiser William M. Davis - PA Certified Residential R.E. Ar nrait\!ldress 3015 Harvard Ave. Camo Hill PA 17011
Location - Urban .2S. Suburban - Rural Predominant Sin~le family housinJl Present land use % Land use chanD
PR E AG o Not likely Likely
Built up = Over 75% ~ 25-75% = Under 25% occupancy $(000) (yrs) One family 70
-
Growth rate - Rapid ~ Stable - Slow .2S. Owner 125 Low New 2-4 family 1 W In process
Property values L Increasing - Stable l- Declining - Tenant 450+ Hiah 90+ Multi-family 1 To: Residential
Demand/supply l- Shortage L In balance l-= Over supply 2S. Vacant (0-5o/~) ~ predominant!-l ,Commercial 1
Marketina time Under 3 mos. X 3-6 mos. Over 6 mos. Vacantlover5% 175-250 I 10-50 Vacant 27
Note: race and the racial composition of the neighborhood are not appraisal factors.
. Neighborhood boundaries and characteristics: The subiect's neiahbarhood is mainlv residential in nature and is rouahlv bounded bv Lisburn Road to the west Carlisle
. Road to the north. Route 83 to the east and Limekiln Road to the south.
~ Factors that affect the marketability of the properties in the neighborhood (proximity to employment and amenities, employment stability, appeal to market, etc.):
· The subiect is situated in a mainlv residential area of Lower Allen Townshio. within a short commute to schools shoppina and desired amenities. Maior emolovment
.
It centers include the Navv Depot Hiahmark Blue Shield and The Commonwealth of PA. The surroundina various sMe dwellinas aooear of averaoe condition and
construction. Aooeal to market is rated averaae. No adverse marketabilitv factors were noted at inspection. The commercial land usaae in the area is considered
tvolcal and desirable for convenience in mainlv residential areas. The canital citv of Harrisbura is within a 10 minute commute.
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.):
General market conditions are considered stable as mortaaae interest rates have been available in the 5-8% ranae for several months. FHA and VA financina is
available however. seller concessions are sometimes paid in contribution towards ourchaser's c10sina costs. Marketing time tvpicallv ranoes from 30 to 120 days.
Demand and Suoolv aooear In balance and are in line with similar neiahborhoods in this market area. Prooertv values are increasino at an accentable rate for the area.
I Project '''''""",0",0' PUOS (deppllceb1e - Is fu, "'''''''''/bui'der " con1ro1 of lhe Home Own,'s Association (HOA)? U Ves 0 No
Approximate total number of units in the subject project N/A Approximate total number of units for sale in the subject project N/A
. Describe common elements and recreational facilities: N/A
Dimensions As Per Public Records Topography Mostly Level
Site area Approx: .33 Acre Corner Lot DYes WNo Size Averaae fOr Area
Specific zoning classification and description R1 Sinole Familv Residential Shape Mostly Rectanaular
Zoning compliance: (Xl Legal~ Legal nonconforming (Grandfathered use) 0 Illegal ONo Zoning Drainage Appears Adequate
Hiahest & best use as imoroved: X Present use n Other use (exolain) None View Residential/Ava
Utilities P~ic Other Off-site Improvements Type Pu~ Pri~ Landscaping Typical for Area
Electricity X Street Asphalt 2S. = Driveway Surface Asphalt
Gas Curb/gutter Concrete L - Apparent easements None AooarentlAdverse
Water X Sidewalk Concrete L = FEMA Special Flood Hazard Area DYes WNo
Sanitary sewer X Street lights None - - FEMA Zone Zone C Map Date 09-30-77
Storm sewer X AIIev None FEMA MaD No. 421016B
Comments (apparent adverse easements, encroachments, special assessments, slide areas, illegal or legal nonconforming zoning use, etc.): The site imorovements consist
of landscaoina. which is mainlv lawn with various trees and plantinas and is rated averaoe for the area. No adverse easements or encroachments were noted at
insoection.
GENERAL DESCRIPTION EXTERIOR DESCRIPTION FOUNDATION BASEMENT INSULATION
No. of Units One Foundation Concrete Block Slab None Area Sq. FI. 840 Roof ~
No. of Stories Two Exterior Walls Aluminum Brick Crawl Space Partial/322 SF % Finished 0% Finished Ceiling
Type (Del./Att.) Detached Roof Surfaces Shinnies Basement Partial Ceiling Joists Walls
Design (Style) 2 StOry Gutters & Dwnspts. Metal Sump Pump Yes Walls Concrete Bloc Floor
Existing/Proposed Existina Window Type Wood Dbl Hunn Dampness None Noted Floor Concrete None
Age (Yrs.) 44 Yrs Est Storm/Screens YeslYes Settlement None Noted Outside Entry None Unknown
Effective A e (Yrs.\ 19-21 Years Manufactured House No Infestation None Noted
. ROOMS Faver livino Dinino Kitchen Den Familv Rm. Rec. Rm. Bedrooms # Baths Laundrv Other Area Sa. FI.
~ Basement 840
113 Level1 1 1 1 1 1 0.50 1 162
F.J Level 2 4 2.00 945
~
. Finished area above arade contains: 8 Rooms' 4 Bedroomls): 2.50 Bath(s): 2107 S uare Feet of Gross Livina Area
. INTERIOR Materials/Condition HEATING KITCHEN EQUI~ ATTIC AMENITIES CAR STORAGE
- - 0
. Floors WW.Vinvl.HW/Avg Type HWBB Refrigerator ..E. None Fireplace(s) # 1 ~ None
F-=
Walls Dwall.Plaster Pnl/Ava Fuel Oil Range/Oven 2S. Stairs i== Patio 1= Garage 2 # of cars
. Trim/Finish Wood/Ava Condition Avo Disposal 2S. Drop Stair Deck f== Attached X
I--
Bath Floor Vinvl/Avo COOLING Dishwasher L Scuttle ~ Porch Scrn Rr ~ Detached
Bath Wainscot Tile/Avo Central None Fan/Hood L Floor l-- Fence 1= Built-In
Doors Int Wd / Ext Wd Other None Microwave ..... Heated I- Pool ~ Carport
Wirinn Circuit Breakers Condition N/A Washer/Dryer P Finished StooD Front X Drivewav X
I AddWo"~ f,~u", (speel" en'~, ,fficient Items, ele.): G,""", F""'" "'" DNwalI """ Eoul""'" wllh e_, Door 0""",, ,,,",,"" Cha" Uft Chal,Ra' Beam.d
Ceilina. Whole House Fan Newer Dishwasher Laundrv Connection in Kitchen Textured Ceilinos Storm Door Storm Windows.
Condition of the improvements, depreciation (physical, functional, and external), repairs needed, quality of construction, remodeling/additions, etc.: The subiect
imorovements were in avera~e overall condition at the time of insoection. There were no items of ohvsical functional or external obsolescence other than tvoical
ohvsical deoreciation due to aoe noted at the time of this annraisal.
EI
I Ad",,,, ,"'ro"m.n"" condlons (suoh lIS, but not..,ed to, h_ _es,loJdc sub.an"" ,'e) ""sun' In fu, Imp""m,,", '" 'he site, "'" 'h. Immediate ."""
of the subject property.: No adverse environmental conditions were noted at lnsoection however the aporaiser is not an environmental risk screener or auditor.
Freddie Mac Form 70 6-93
Click FORMS Appraisal Software 800-622-8727
Fannie Mae Form 1004 (6-93)
Page 1 of 15
PREMIER APPRAISALS
UNIFORM RESIDENTIAL APPRAISAL REPORT
ESTIMATED SITE VALUE = $ 3800
ESTIMATED REPRODUCTION COST -NEW-OF IMPROVEMENTS:
Dwelling 2,107 Sq. Ft. @$ "$
Bsmt. 840 Sq. Ft. @ $ =
r ,\~..Ao I ~=- \ '<7'-J
File No. 601005
Case No.
Comments on Cost Approach (such as, source of cost estimate, site value,
square foot calculation and for HUD, VA and FmHA, the estimated remaining
economic life of the property): Due to the a e of the sub'ect the cost
a roach was considered as not a Iicable and was not com leted.
=
o
o
=
=$
External
o
Functional
o
=$
=$
=$
3800
40-50
rs
=
104.96
Public Records/Ext. Insp
Multi List/Realtor
DESCRIPTION - Mustment
93.78
Public Records/Ext. Insp
Multi List/Realtor
DESCRIPTION - $ Mustment
100.25
Public Records/Ext. Insp
Multi List/Realtor
DESCRIPTION - Mustmen!
-1 000
-5 055
-411
-5 000
-5 000
-2,500
i "I
I
. '
I ....&... _ "'- J
-6610
-2 000
-18555
ITEM
Date, Price and Data
Source, for prior sales
SUBJECT
No Known Sales In Th
Past Three Years.
COMPARABLE NO.2
No Known Sales In The
Past Three Years.
COMPARABLE NO.3
No Known Sales In The
Past Three Years.
$
N/A =
226,000
N/A
01-13-06
o Did 0 Did Not
Inspect Property
State
State
Fannie Mae Form 1004 (6-93) Page 2 of 15
State PA
"1\'<--> 0'- I V ::> - I I .4 ~
PREMIER APPRAISALS
EXTRA COMPARABLES 4-5-6
Borrower Stemmler Estate
Property Address 302 Allendale Way
City Camp Hill
Lender/Client
File No. 601005
Case No.
County
Gregory A. Stemmler
Cumberland State PA Zip Code
Address 302 Allendale Way, Camp Hill, PA 17011
17011
Market Value
0.00
Inspection
Public Records
DESCRIPTION
I ,
I .". _ , . i
DESCRIPTION
DESCRIPTION
Total
Elect HP/CA
Storm Windows
2 Car Gar At!
Sun Rm,Patio
2 Fire laces
N/A N/A
-19900 0 0
$ 229 600 0 $ 0
ITEM
Date, Price and Data
COMPARABLE NO.4
No Known Sales In The
Past Three Years.
Source: Public Records.
COMPARABLE NO.
5
COMPARABLE NO.
6
ClickFORMS Appraisal Software 800-622-8727
Page 3 of 15
r'l<- ,..((O~-I(J.s
PREMIER APPRAISALS
COMMENT ADDENDUM
Borrower Stemmler Estate
Property Address 302 Allendale Way
City Camp Hill
Lender/Client Gregory A. Stemmler
File No. 601005
Case No.
County
Cumberland State PA
Address 302 Allendale Way, Camp Hill, PA 17011
Zip Code
17011
An appraisal inspection was recently performed and the subject property was appraised. The use of the term inspection in this appraisal only
refers to the process of gathering data pertinent to the completion of an appraisal for an opinion of market value. The appraiser is not a home
inspector and does not warrant any part or whole of the subject property. Please accept the fOllOWing data as supporting information.
. Comparable one differs somewhat in design, however is similar in location, utility, and/or amenity, and was selected as a reliable value indicator.
Appropriate condition adjustments were applied to sales three and four, as these homes have been remodeled to a greater extent than the
subject.
Gross living area adjustments were calculated at $15 per square fool.
The remaining adjustments were calculated for the market's reaction to the differing amenities and conditions.
The term "Estimate of Market Value" in computerized forms shall be deemed to mean .Opinion of Market Value" with market value defined as per
current USPAP guidelines.
If any additional information or documentation is required, please contact me.
Respectfully Submitted,
William M. Davis
State Certified Residential Appraiser
RL-00341S-L
/j/,Lt.- M. Ll~
Appraiser Name William M. Davis - PA Certified Residential R.E. Apprais8opervisor Name
ClickFORMS Appraisal Software 800-622-8727
Page 4 of 15
y\ \"C.- .J.. \ 0.>- /I :J-.r "f
PREMIER APPRAISALS
SKETCH ADDENDUM
File No. 601005
Case No.
Borrower Stemmler Estate
Property Address 302 Allendale Way
City Camp Hill County
Lender/Client Gregory A. Stemmler
Cumberland State PA Zip Code
Address 302 Allendale Way, Camp Hill, PA 17011
17011
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8.0' Screen
Porch
14.0' Family
Room
Pwdr
Room
Kitchen
Liv i ng Fp 24.0'
Room
Dining Stairs
21.5' 2 Car Garage
Room
I Foyer
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35.0' ,
Stoop
23.0'
Bath
Room
Bedroom Bedroom
27.0'
, Stairs
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Bedroom Bedroom
Bath
Room
35.0'
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Page 5 of 15
Borrower Stemmler Estate
Property Address 302 Allendale Way
City Camp Hill County
Lender/Client Gregory A. Stemmler
PREMIER APPRAISALS
SKETCH ADDENDUM
rde. ';"(O>-IIJ.~
File No. 601005
Case No.
Cumberland State PA Zip Code
Address 302 Allendale Way, Camp Hill, PA 17011
17011
m ___
SKETCH CALCUlAl10NS Perineter Area
I A1
I A2 A1: 23.0x8.0 = 184.0
A2: 58.0 x6.0 = 348.0
A3: 35.0 x 1S.o = 63).0
1>:3
First Acxr 1162.0
A4: 35.0 x27 .0 = 945.0
A4
Seca1d Flcxr 945.0
Total living kea 2107.0
D AS: 23.0x21.5= 4945
AltachedGan:ge 494.5
Total Garage Area 4945
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Page 6 of 15
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PREMIER APPRAISALS
LoeA TION MAP ADDENDUM
File No. 601005
Case No.
Borrower Stemmler Estate
ProPertY Adcress 302 Allendale Way
City Camp Hill County
lender/Client Gregory A. stemmler
Cumberland State PA Zip Code
Adltess 302 Allendale Way, Camp Hill, PA 17011
17011
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I"'KI:MII:K AI"'I"'KAI:SAL:S
SUBJECT PHOTO ADDENDUM
Borrower Stemmler Estate
property Ack:iess 302 Allendale Way
City Camp Hill
Lender/Client Greaory A. Stemmler
l 1\..... ,...,.-..., .. ~ ~
File No. 601005
Case No.
Cumberland
Adaess
State PA Zip Code
302 Allendale Way. Camp Hili. PA 17011
17011
County
FRONT OF
SUBJECT PROPERTY
302 Allendale Way
Camp Hill, PA 17011
REAR OF
SUBJECT PROPERTY
STREET SCENE
Page 8 of 15
PREMIER APPRAISALS
COM PARABLES 1-2-3
Borrower Stemmler Estate
property Acktess 302 Allendale Way
City Camp Hill
Lender/Client Gregory A. Stemmler
\ ,,-- .--.-- ..~"
File No. 601005
Case No.
County
Cumberland State PA Zip Code
Adctess 302 Allendale Way, Camp Hill, PA 17011
17011
--
COMPARABLE SALE # 1
317 Blacklatch Lane
Camp Hill, PA 17011
COMPARABLE SALE # 2
405 Allendale Way
Camp Hill, PA 17011
COMPARABLE SALE # 3
345 Blacklatch Lane
Camp Hill, PA 17011
Page 9 of 15
PREMIER APPRAISALS
COM PARABLES 4-6-8
Borrower Stemmler Estate
property Acktess 302 Allendale Way
City Camp Hill
LenderlClient Gregory A. Stemmler
File No. 601005
Case No.
County
Cumberland State PA Zip Code
Ada-ess 302 Allendale Way, Camp Hill, PA 17011
17011
ClickFORMS Appraisal Software 800-622-8727
COMPARABLE SALE # 4
309 Fieldstone Road
Camp Hill, PA 17011
COMPARABLE SALE # 5
COMPARABLE SALE # 6
Page 10 of 15
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PREMIER APPRAISALS
File No. 601005
Case No.
DEFINITION OF MARKET VALUE: The most probable price which a property should bring in a competitive and
open market under all conditions requisite to a fair sale, the buyer and seller, each acting prudently, knowledgeably and
assuming the price is not affected by undue stimulus. Implicit in this definition is the consummation of a sale as of a
specified date and the passing of title from seller to buyer under conditions whereby: (1) buyer and seller are typically
motivated; (2) both parties are well informed or well advised, and each acting in what he 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 thereto; and (5) the price represents the normal consideration for the
property sold unaffected by special or creative financing or sales concessions* granted by anyone associated with the sale.
*Adjustments to the comparables must be made for special or creative financing or sales concessions. No adjustments
are necessary for those costs which are normally paid by sellers as a result of tradition or law in a market; these costs
are readily identifiable since the seller pays these costs in virtually all sales transactions. Special or creative financing
adjustments can be made to the comparable property by comparisons to financing terms offered by a third party
institutional lender that is not already involved in the property or transaction. Any adjustment should not be calculated
on a mechanical dollar for dollar cost of the financing or concession but the dollar amount of any adjustment should
approximate the market's reaction to the financing or concessions based on the appraiser's judgment.
STATEMENT OF LIMITING CONDITIONS AND APPRAISER'S CERTIFICATION
CONTINGENT AND LIMITING CONDITIONS: The appraiser's certification that appears in the appraisal report is
subject to the following conditions:
1. The appraiser will not be responsible for matters of a legal nature that affect either the property being appraised or
the title to it. The appraiser assumes that the title is good and marketable and, therefore, will not render any opinions
about the title. 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 that 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 they are so used.
6. The appraiser has noted in the appraisal report any adverse conditions (such as, needed repairs, depreciation, the presence
of hazard 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 unapparent conditions of the property or adverse environmental conditions
(including the presence of hazardous wastes, toxic substances, etc.) that would make the property more or less valuable,
and has assumed that there are no such conditions and makes no guarantees 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 valuation 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/client specified in the appraisal report
can distribute the appraisal report (including conclusions about the property 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 other than the borrower; the mortgagee or its successors and assigns; the mortgage insurer; consultants;
professional appraisal organizations; any state 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 service(s) without having to obtain the
appraiser's prior written consent. The appraiser's written consent and approval must also be obtained before the appraisal
can be conveyed by anyone to the public through advertising, public relations, news, sales, or other media.
Freddie Mac Form 439 (6-93)
ClickFORMS Appraisal Software 800-622-8727
Fannie Mae Form 10048 (6-93)
Page 11 of 15
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PREMIER APPRAISALS
File No. 601005
Case No.
APPRAISER'S CERTIFICATION: The Appraiser certifies and agrees that:
1. I have researched the 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 sales 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 contingent and limiting conditions specified in this'Vorm.
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 and/or the estimate of market value in the appraisal report on the race, color, religion, sex,
handicap, familiar 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 and/or employment for performing the appraisal. I did not base the appraisal 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 condition 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 inspected the interior and exterior areas of the subject property and the exterior of all 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 conditions in my analysis of the property 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.
9. I personally prepared all conclusions and opinions about 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 reconciliation 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 appraiser 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 taking full responsibility for the appraisal and the appraisal report.
ADDRESS OF PROPERTY APPRAISED:
302 Allendale Way, Camp Hill, PA 17011
APPRAISER:
/)/~M. L1~
SUPERVISORY APPRAISER (only if required)
06-30-07
Signature:
Name:
Date Signed:
State Certification #:
or State License #:
State:
Expiration Date of Certification or License:
o Did 0 Did Not Inspect Property
Signature:
Name: William M. Davis - PA Certifled Residential R.E. Appraiser
Date Signed: 01-18-06
State Certification #: RL-003418-L
or State License #:
State: PA
Expiration Date of Certification or License:
Freddie Mac Form 439 6-93
ClickFORMS Appraisal Software 800-622-8727
Fannie Mae Form 10048 6-93
Page 12 of 15
PREMIER APPRAISALS
MULTI PURPOSE SUPPLEMENTAL ADDENDUM
FOR FEDERALLY RELATED TRANSACTIONS
File No. 601005
Case No.
,- ~\ - "" 1'..,4~
Borrower/Client Stemmler Estate
Property Address 302 Allendale Way
City Camp Hill
Lender Gregory A. Stemmler
County
,
Cumberland State PA Zip Code
Address 302 Allendale Way, Camp Hill, PA 17011
17011
This Multi-Purpose Supplemental Addendum for Federally Related Transactions was designed to provide the appraiser with a con-
venient way to comply with the current appraisal standards and requirements of the Federal Deposit Insurance Corporation (FDIC),
the Office of the Controller of Currency (OCC), The Office of Thrift Supervision (OTS), the Resolution Trust Corporation (RTC)
and the Federal Reserve.
This Multi-Purpose Supplement Addendum is for use with any appraisal. Only those
statements which have been checked by the appraiser apply to the property being appraised.
IIlpURPOSE & FUNCTION OF APPRAISAL
The purpose of the appraisal is to estimate the market value of the subject property as defined herein. The function of the appraisal is to
assist the above-named Lender in evaluating the subject property for lending purposes. This is a Federally related transaction.
IIIEXTENT OF APPRAISAL PROCESS
W The appraisal is based on the information gathered by the appraiser from public records, other identified sources, inspection of the
subject property and neighborhood, and selection of comparable sales within the subject market area. The original source of the com-
parables is shown in the Data Source section of the market grid along with the source of confirmation, if available. The original source
is present first. The sources and data are considered reliable. When conflicting information was provided, the source deemed most
reliable has been used. Data believed to be unreliable was not included in the report nor used as a basis for the value conclusion.
W The Reproduction Cost is based on Local Builders and the Appraiser's Data Bank
supplemented by the appraiser's knowledge of the local market.
W Physical depreciation is based on the estimated effective age of the subject property. Functional and/or external depreciation, if
present, is specifically addressed in the appraisal report or other addenda. In estimating the site value, the appraiser has relied on
personal knowledge of the local market. The knowledge is based on prior/or current analysis of site sales and/or abstractions of site
values from sales of improved properties.
W The subject property is located in an area of primarily owner-occupied single family residences and the Income Approach is not consi-
dered to be meaningful. For this reason, the Income Approach was not used.
D The Estimated Market Rent and Gross Rent Multiplier utilized in the Income Approach are based on the appraiser's knowledge of the
subject market area. The rental knowledge is based on prior andfor current rate surveys of residential properties. The Gross Rent
Multiplier is based on prior and/or current analysis of prices and market rates for residential properties.
D For income producing properties, actual rents, vacancies and expenses have b~en reported and analyzed. They have been used to pro-
ject future rents, vacancies and expenses.
IIISUBJECT PROPERTY OFFERING INFORMATION
According to the Central Penn MLS the subject property:
X has not been offered for sale in the past 30 days.
is currently offered for sale for $
was offered for sale within the past 30 days for $
Offering information was considered in the final reconciliation of value.
Offering information was not considered in the final reconciliation of value.
Offering information was not available. The reasons for unavailability and the steps taken by the appraiser are explained later in
this addendum.
IIlsALE HISTORY OF SUBJECT PROPERTY
According to Coun Public Records the subject property:
8 has not transferred in the past twelve months. X has not transferred in the past 36 months.
has transferred in the past twelve months. has transferred in the past 36 months.
All prior sales which have occurred in the past months are listed below and reconciled to the appraised value, either in the body
of the report or in the addenda.
Date Sales Price Document # Seller Bu sr
IIIFEMA FLOOD HAZARD DATA
Name of Communi
Lower Allen Townshi
The community does not participate in the National Flood Insurance Program.
The community does participate in the National Flood Insurance Program.
It is covered by a regular program.
It is covered b an emer enc ro ram.
FW-70M November 1991 ClickFORMS Appraisal Software 800-622-8727
Multi-Pwpose Supplemental Addendwn Page I of2
Page 13 of 15
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PREMIER APPRAISALS
nllCURRENT SALES CONTRACT
File No. 601005
Case No.
W The subject property is currently not under contract.
o The contract and/or escrow instructions were not available for review. The unavailability of the contract is explained later in the
addenda section.
D The contract and/or escrow instructions were reviewed. The following summarizes the contract:
Contract Date Amendment Date Contract Price
Seller
o The contract indicated that personal property was not included in the sale.
D The contract indicated that personal property was Included. It consisted of
Estimated contributory value is $
~ Personal property was not included in the final value estimate.
Personal property was Included in the final value estimate.
The contract indicated no financing concessions or other incentives.
The contract indicated the following concessions or incentives:
If concessions or incentives exist, the comparables were checked for similar concessions and appropriate adjustments were made, if
applicable, so that the final value conclusion is in compliance with the Market Value defined herein.
mlMARKET OVERVIEW Include an explanation of current market conditions and trends.
1-4 month(s) is considered a reasonable marketing period for the subject property based on the Central Penn MLS. Exposure
time is approximately the same.
ElIADDITIONAL CERTIFICATION
The Appraiser certifies and agrees that:
(1) Their analyses, opinions and conclusions were developed, and this report was prepared, in conformity with the Uniform Standards of
Profressional Appraisal Practice ("USPAP"), and in accordance with the regulations developed by the lender's Federal Regulatory
Agency as required by FIRREA, except that the Department Provisions of the USPAP do not apply.
(2) Their compensation is not contingent upon the reporting of predetermined value or direction in value that favors the cause of the
client, the amount of the value estimate, the attainment of a stipulated result, or the occurence of a subsequent event.
(3) This appraisal assignment was not based on a requested minimum valuation, a specific valuation, or the approval of a loan.
ElIADDlTIONAL (ENVIRONMENTAL) LIMITING CONDITIONS
The value estimated is based on the assumption that the property is not negatively affected by the existence of hazardous substances or
detrimental environmental conditions unless otherwise stated in this report. The appraiser is not an expert in the identification of
hazardous substances or detrimental environmental conditions. The appraiser's routine inspection of and inquires about the subject
property did not develop any information that indicated any apparent significant hazardous substances or detrimental environmental
conditions which would affect the property negatively unless otherwise stated in this report. It is possible that tests and inspections made
by a qualified hazardous substance and enviornmental expert would reveal the existence of hazardous substances or detrimental
environmental conditions on or around the property that would negatively affect its value.
mlADDITIONAL COMMENTS
This is a summary appraisal report of a complete appraisal intended for use by the above named client for mortgage finance purposes and is not intended
for any other use. It was prepared with electronic technology includIng digital signatures, unaltered digital photographs and digital maps. All attached
addenda are a significant and necessary part of this appraisal report.
ElIAPPRAISER'S SIGNATURE & LICENSE/CERTIFICATION
Appraiser's Signature /j./~ M. Ll~ Effective Date
Appraiser's Name (print) William M. Davis - PA Certified Residential R.E. A
State PAD License X Certification # RL-003418-L
01-13-06 Date Prepared
raiser Phone # (---IlL- ) 730-9586
Tax ID #
01-18-06
_ICO-SIGNING APPRAISER'S CERTIFICATION
D The co-signing appraiser has personally Inspected the subject property, both inside and out, and has made an exterior inspection of
all comparable sales listed in the report. The report was prepared by the appraiser under direct supervision of the co-signing appraiser.
The co-signing appraiser accepts responsibility for the contents of the report including the value conclusion and the limiting condi-
tions, and confirms that the certifications apply fully to the co-signing appraiser.
~ the co-signing appraiser has not personally Inspected the interior of the subject property ~nd:
has not Inspected the exterior of the subject property and all comparable sales listed in the report.
has Inspectedthe exterior of the subject property and all comparable sales listed in the report.
The report was prepared by the appraiser under direct supervision of the co-signing appraiser. The co-signing appraiser accepts
responsibility for the contents of the report, including the value conclusions and the limiting conditions, and confirms that the
certifications apply fully to the co-signing appraiser with the exception of the certification regarding physical inspections. The above
describes the level of inspection performed by the co-sigining appraiser.
D The co-signing appraiser's level of inspection, involvement in the appraisal process and certification are covered elsewhere in the
addenda section of this appraisal.
_ICO.SIGNING APPRAISER'S SIGNATURE & LICENSE/CERTIFICATION
Co-Signing
Appraiser's Signature
Co-Signing Appraiser's Name (print)
State License Certification #
FW-70M November 1991
Multi-PillJlose Supplemental Addendum Page 2 of2
Effective Date 01-13-06 Date Prepared
Phone # ( _ )
Trainee Tax 10 #
ClickFORMS Appraisal Software 800-622-8727 Page
14 of
T
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.
Premier Appraisals
.
Borrower Stemmler Estate
Property Address 302 Allendale Way
City Camp Hill
Lender/Client Gregory A. Stemmler
File No. 601005
Case No.
County
Cumberland State PA Zip Code
Address 302 Allendale Way, Camp Hill, PA 17011
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