HomeMy WebLinkAbout05-18-06
:EV.15<'Jo EX (6-00) I
OFFICIAL USE ONLY
COMMONWEALTH OF
PENNSYLVANIA
DEPAR~ENTOFREVENUE
DEPT. 280601
HARRISBURG. PA 17128-0601
REV -1500
INHERITANCE TAX RETURN
RESIDENT DECEDENT
FILE NUMBER
~L
COUN1Y CODE
~L 0077 ___
YEAR NUMBER
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DECEDENTS NAME (LAST, FIRST, AND MIDDLE INITIAL)
Micke Ruth
DATE OF DEATH (MM-DD-YEAR) DATE OF BIRTH (MM-DD-YEAR)
1/13/2006 10/28/1919
(IF APPLICABLE) SURVMNG SPOUSE'S NAME (LAST, FIRST, AND MIDDLE INITIAL)
E
SOCIAL SECURITY NUMBER
201-18-6671
THIS RETURN MUST BE FILED IN DUPLICATE WITH THE
REGISTER OF WILLS
SOCIAL SECURITY NUMBER
D 2. Supplemental Return 0 3. Remainder Return (dale of death prior 1012-13-82)
[XJ 4a. Future Interest Compromise (date of death after 12-12-82) 0 5. Federal Estate Tax Return Required
D 7. Decedent Maintained a living Trust (Attach copy of Trust) L 8. Total Number of Safe Deposit Boxes
D 10. Spousal Poverty Credit (date of death between 12-31.91 and 1-1-95) D 11. Election to tax under Sec. 9113(A)(AttachSChO)
~ [X] 1. Original Retum
~~U) D
u O::~ 4. Limited Estate
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U 0::....1 I.AJ 6. Decedent Died Testate (Attach copy of Will)
a..m
~ D 9. Litigation Proceeds Received
THIS SECTION MUST BE COMPL.ETED. AL.L. CORRESPONDENCE AND CONFIDENTIAL-TAX INFORMATION 5 HOUl.D BEDIRECTEDTO:
NAME COMPlElE MAILING ADDRESS
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Richard C. Snelbaker
FIRM NAME (If Applicable)
Snelbaker & Brenneman, P.C.
TELEPHONE NUMBER
44 West Main Street
Mechanicsburg, PA 17055
3. Closely Held Corporation, Partnership or Sole-Proprietorship (3)
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717-697-8528
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6. Jointly OY.11ed Property (Schedule F) (6)
o Separate Billing Requested
7. Inter-Vivos Transfers & Miscellaneous Non-Probate Property (7)
(Schedule G or L)
114,000.00
0.00
0.00
0.00
28,867.67
0.00
OFFICIALUSB'ONLY .. .:.
1. Real Estate (Schedule A)
(1 )
2. Stocks and Bonds (Schedule B)
(2)
4. Mortgages & Notes Receivable (Schedule D)
5. Cash, Bank Deposits & Miscellaneous Personal Property
(Schedule E)
(4)
l ~)
(5)
C...il
220,740.37
10. Debts of Decedent, Mortgage Liabilities, & Liens (Sdledule I) (10)
(8)
4,305.24
231.31
363,608.04
8. Total Gross Assets (total Lines 1-7)
9. Funeral Expenses & Administrative Costs (Schedule H) (9)
(13)
4,536.55
359,071. 49
0.00
11. Total Deductions (total Lines 9 & 10)
(11 )
12. Net Value of Estate (Line 8 minus Line 11)
13. Charitable and Governmental Bequests/See 9113 Trusts for which an election to tax has not been
mede (Schedule J)
(12)
14. Net Value Subject to Tax (Line 12 minus Line 13)
(14)
359,071. 49
SEE INSTRUCTIONS ON REVERSE SIDE FOR APPLICABlE RATES
15. Amount of Line 14 taxable at the spousal tax
rate, or transfers under Sec. 9116 (a)(1.2)
0.00
359,071. 49
0.00
0.00
x .0 L (15)
x .0 45 (16)
x .12 (17)
x .15 (18)
(19)
0.00
16,158.22
0.00
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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
0.00
19. Tax Due
20. ~
16,158.22
CHECK HERE IF YOU ARE REQUESTING A REFUND OF AN OVERPAYMENT
>> BES.URE TO ANSWER ALL QUESTIONS ON REVERSE SIDE AND RECHECK MATH < <
~W4645 1.000
C---
The tax rate imposed on the net. value of transfers to or for the use of the decedent's siblings is 12% (72 P.S. ~ 9116(a)(1.3)]. A sibling
individual who has at least one parent in common with the decedent, whether by blood or adoption.
3W46461.000
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1 Dececfent's Com Jete Address:
STREET ADDRESS
214 Cumberland Drive
Lower Al.len T
CITY
Cam Hill
Tax Payments and Credits:
1. Tax Due (Page 1 Line 19)
2. Credits/Payments
A. Spousal Poverty Credit
B. Prior Payments
C. Discount
, Cumberland
County
STAn:
PA
ZIP
17011-
(1)
16,158.22
0.00
12.000.00
600.00
Total Credits (A + B + C) (2)
12,600.00
3. Interest/Penalty if applicable
D. Interest
E. Penalty
0.00
0.00
Total Interest/Penalty (0 + E) (3)
0.00
4. If Line 2 is greater than Line 1 + Line 3, enter the difference. This is the OVERPAYMENT.
Check box on Page 1 Line 20 to request a refund
(4)
0.00
5. If Line 1 + Line 3 is greater than Line 2, enter the difference. This is the TAX DUE.
(5)
3,558.22
A. Enter the interest on the tax due.
(5A)
0.00
B. Enter the total of Line S + SA. This is
Make
(58)
3,558.22
PLEASE ANSWER THE FOLLOWING QUESTIONS BY PLACING AN "X" IN THE APPROPRIATE BLOCKS
1. Did decedent make a transfer and:
a. retain the use or income of the property transferred;. . . . . . . . . . . . . . .
b. retain the right to designate who shall use the property transferred or its income; .
c. retain a reversionary interest; or . . . . . . . . . . . . . . . . . . . . . . . .
d. receive the promise for life of either payments. benefits or care? . . . . . . . . .
2. If death occurred after December 12, 1982, did decedent transfer property within one year 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? D
4. Did decedent own an Individual Retirement Account, annuity, or other non-probate property which
contains a beneficiary designation? . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . " IX] D
IF THE ANSWER TO ANY OF THE ABOVE QUESTIONS IS YES, YOU MUST COMPLETE SCHEDULE G AND FILE IT AS PART OF THE RETURN.
Under penalties of perjury. I declare that I have examined this retum. 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 repres ntatiw is based on all information of which preparer has any knowledge.
81 RE OF P RS N RESPO ISLE FGR LING RE1URN
Yes
No
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DATE
3 Andes Drive, Mechanicsburg, PA 17055
51~{bb
Richard C.
44 West Main Street, Mechaniesburg, PA 17055
For dates of death on or after July 1. 1994 and before January 1, 1995. the tax rate imposed on the net value of transfers to orfor the use of the surviving spouse is 3%
[72 P,S'9 9916 (a) (1.1) (i)].
For dates of death on or after January 1. 1995, the tax rate imposed on the net value of transfers to or for the use of the surviving spouse is 0% [72 P.S. e 9116 (a) (1.1) (Ii)]
The statute does not exempt a transfer to a surviving spouse from tax. and the statutory requirements for disdosure of assets and filin'" ~ .-~ -...- - .... d "
the surviving spouse is the only beneficiary. ::< I D . :.J J I \)
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
or a stepparent of the child is 0% [72 P.S, S 9116{a){1.2)].
The tax rate imposed on the net. value of transfers to or for the use of the decedent's siblings is 12% (72 P.S. 99116(a)(1.3)]. A sibling
individual who has at least one parent in common with the decedent. whether by blood or adoption.
3W46461.000
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The tax rate imposed on the net value of transfers to or for the use of the decedent's lineal beneficiaries is 4.5%, except as noted in 72 F
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REV-1502 EX" (6-98)
SCHEDULE A
REAL EST ATE
COMMONWEALTH OF PENNSYLVANIA
INHERITANCE TAX RETURN
RESIDENT DECEDENT
ESTATE OF
FILE NUMBER
Ruth E. Mickev
21 06 0077
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 vAlich property would be
exchanged between a willing buyer and a willing seller. neither being compelled to buy or sell, both having reasonable knOVviedge of the relevant facts.
Real property which is jointly-owned with right of survivorship must be disclosed on Schedule F.
ITEM DESCRIPTION
NUMBER
1. Property known and numbered as
214 Cumberland Drive
Lower Allen Township,
Cumberland County, Camp Hill,
PA 17011-6672, appraised value
(see attached appraisal)
VALUE AT DATE
OF DEATH
114,000.00
3W46951.000
TOTAL (Also enter on line 1, Recapitulation)
(If more space is needed, insert additional sheets of the same size)
$
114,000.00
APPRAISAL OF REAL PROPERTY
LOCAnD AT:
214 Cumberland Drive
Lower Allen Township, Cumberland County
Camp Hili, PA 17011.6672
FOR:
ESTATE OF RUTH E. MICKEY
Richard C. Snelbaker, Esquire
44 West Main Street
Mechanicsburg, PA 17055
AS OF:
January 13, 2006 *** Date of Death
BY:
Karen Damey, PA State Certified General Real Estate Appraiser
RSR Appraisers & Analysts
3 Lemoyne Drive, Suite 100
Lemoyne, PA 17043
LG. Connor Real Estate ~praisers
Form GA2 - "TOTAL for Windows" appraisal software by ala mode,ine. -1.800-ALAMODE
Form DeVR - "TOTAL for Windows" appraisal software by a Iii mode, ine. -1-800-ALAMODE
Final Estimate of Value
$ 114,000
Form SSD - "TOTAL for Windows. appraisal software by a la mode, inc. -1-80Q-ALAMODE
II lit; l'fU. UV- I VU I
File No. 06-106
February 14, 2006
Snelbaker & Brenneman, P.C.
A TIN: Richard C. Snelbaker, E~quire
44 West Main Street
Mechanicsburg, PA 17055
RE: Estate of Ruth E. Mickey .
PROPERTY: 214 Cumberland Drive, Camp Hill, PA 17011
Dear Dick:
Pursuant to your request, I have prepared a Complete Appraisal,
Summary Report for the property captioned in the "Summary of Salient
Features" which follows.
The accompanying report is based on a site inspection of
improvements, investigation of the subject neighborhood area of influence,
and review of sales, cost and income data for similar properties.
This appraisal has been made with particular attention paid to the
applicable value influencing economic conditions and has been processed
in accordance with nationally recognized appraisal guidelines. .
The value conclusions stated herein are as of the date as stated in the
body of the appraisal and contingent upon the certifications and limiting
conditions attached.
Please do not hesitate to contact me if I can be of additional service to .
you.
Respectfully,
/
./ .1 . :"'. '1 .'
-'./f.~ll') -1 j. ) /~~/-..) d /:1 ! /
. "'. ...--4\ .Y:~~." if., ../ I 1".::.....(
. Karen Darney //
Pennsylvania State Certified General Real Estate Appraiser
Form DCVR - "TOTAL for Windows" appraisal software by a la mode, inc. - 1-800-ALAMODE
SUMMARY OF SALIENT FEATURES
Subject ~ddress
Legal Description
City
County
State
Zip Gode,
Census Tract
Map Reference
214 Cumberland Drive
Deed Book T14, Page 173
Camp Hili
Cumberland
PA
17011-6672
25420-0111.00
Sale Pric,e
Date of Sale
$ NA
NA
Borrower I Client
Lender
NA
Richard C. Snelbaker, Esquire
Size (Square Feet) 759
Price per: Square Foot $
Location: Average
Age 58 years
Conditior~ Average
Total Rooms 4
BedroolT\s 2
Baths
Appraiser
Date of Appraised Value
Karen Darney, Certified General Real Estate Appraiser
January 13, 2006 ***RetroscpectiveMarket Value as of the date of death
Anal Estimate of Value
$ 114,000
Form SSD - "TOTAL for Windows" appraisal software by a la mode, inc. - 1-80Q-ALAMODE
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/rllt: I~U. UQ- I un I
r lerlv DescriDUon FileNo. 06-106
ProDertv Address 214 Cumberland Drive City Camp Hili State P A liD Code 17011-6672
Leoa! DescriDtion Deed Book T14. Paoe 173 County Cumberland
Assessor's Parcel No. 13-23-0555-045 Tax Year 05~06 R.E Taxes $ 1.055.62 Goecial Assessments S 0
Borrower NA Current Owner Estate of Ruth E. Mickey Occuoant 1 Owner IX1 Tenant r 1 Vacant
. Prooertv riohts aooraised I5<l Fee SimDle I leasehold ProiectTvoe r PUD 1 Condominium lHUDNA onlv) HOA $ 0 IMo.
. NeiGhborhood or Proieet Name Cumberland Park
Moo Reference Census Tract 25420-0111.00
Sale Price $ NA Date 01 Sale NA Descrlotion and $ amount of loan charoes/concesslons to be Da/d bv seller NA
. Lender/Client Richard C. Snelbaker, ESQuire Address 44 W. Main Street, MechanicsburQ, PA 17055
Aooraiser Karen Damey. Cert Gen'l REAppraiser Address 3 Lemoyne Drive. Suite 100, Lemoyne, PA 17043
location DUrban C8JSuburban o Rural Predominant Sin~le family hOUSiE9 Present land use % Land use change
Built up DOver 75% \Zl 25-75% o Under 25% occupancy tR1 E AG One family 85 lZJ Not likely o Likely
(000) (yrs)
Growth rate o Rapid C8J Stable o Slow lZJ Owner 70 Low 15 2-4 family 5 o In process
Property values 0 Increasing [J Stable o Declining o Tenant 250+ Hioh 100+ Multi-family 2 To: .
Demand/supply 0 Sho~age IZ1ln balance 0 Over supply IZl Vacant (0-5%) lj~:;jE};,\'] Predominant Ix: ;,ii;', Commercial 8
Marketino time n Under 3 mos. LX! 3-6 mos. n Over 6 mos. n Vac.lover 5%) 100-110 55-60
~ote: Race and the racial composition of the neighborhood are not appraisal factors.
Neighborhood boundaries and characteristics: The neighborhood boundaries are indic~ted on the enclosed neiahborhood map in the addenda of
this report. Immediate neighborhood is residential in nature.
i factors that affect the marketability of the properties in the neighbomood (proximity to employment and amenities, employment stability, appeal to market,etc.):
_ Schools. shoppina, employment recreation and houses of worship are all within a 15~30 minute drivinq time of the subject property. Average
.. property maintenance programs were observed. Employment stability is good due to the state Capital in Harrlsbura, the Armv Supply Depot
in New Cumberland,;and the Naval Supplv Depot in Mechanicsbura. Steady price increases and MLS statistics show a aood demand for the '.
area.
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 01 the prevalence of sales and financing concessions, etc.):
County tax records and MLS statistics show prices to be stable. The MLS shows that the typical marketina time for the area is 3-6 months.
Mortga09 funds are readily available with conventional loans being 5.825% to 6.5% interest. fixed 30 vear. 95% mortaage with up to three.
points. Sellers are not reQuired to offer sales or financing concessions, but seller assistance is occurrina.
.
- Project Information for PUps (If applicable) - . Is the developer/builder in control of the Home Owners' Association (HOA)? DYes DNo
. Approximate total number .of units in the subject project <' Approximate total number of units for sale in the SUbject project
Describe common elements and recreational facilities:
Dimensions' 60'x114.39'x60'x114.32' (See enclosed deed) Topography Very gentlY rollina
Site area 0.15 acre per tax office Comer Lot 0 Yes rg] No Size Averaae for area
Specific zoning classification and description R-1 Single-Family Establishecl Residential Shape Rectanaular
Zoning compliance IZl Legal 0 legal nonconforming (Grandfathered use) 0 Illegal' 0 No zoning Drainage Appears Adeauate . .'
Hlllhest & best use as imnroved: fXf Present use n other use (explain) View Average street
Utilities Public Other Off-site Improvements Type Public Private Landscaping Average for area
Electricity ~ Street Macadam l?iJ 0 Driveway Surface Cement
Gas rg] Curb/gutter Concrete cg] 0 Apparent easements Standard utility easements
Water ~ Sidewalk Concrete 0 0 FEMA Special Flood Hazard Area DYes l:8J No
Sanitary sewer ~ Street lights Adequate ~ R FEMA Zone C Map Date 9~30-77
Storm sewer AIIev None FEMA MaD No. 4210168
Comments (apparent adverse easements, encroachments, special assessments, slide areas, illegal or legal nonconforming zoning use, etc.): Standard
easements for electric, telephone. etc. There were no known or apparent adverse easements. encroachments or conditions that would
neoatively impact on the value of the subiect property.
GENERAL DESCRIPTION EXTERIOR DESCRIPTION FOUNDATION' . BASEMENT INSULATION'
No. of Units 1 Foundation Concrete Block Slab No Area Sq. Ft 759 Roof 0
No. of Stories 1 Exterior Walls Aluminum Crawl Space No % Finished 0 Ceiling 0
Type (Det/Att.) Detached Roof Surface AsphaltShingles Basement Full- 5.5' high Ceiling Unfinished Walls 0
Design (Style) Ranch Gutters & Dwnspts. Alum/Alum Sump Pump No Walls Unfinished Floor 0
Existing/Proposed Existino Window Type Vinyl DH Dampness' None noted Roor Concrete None 0
Age (Yrs.) 58 Storm/Screens ThermolYes Settlement Due To Aae Outside Ently Yes Unknown ~
Effective Aoe lYrs.l 20-25 Manufactured House No Infestation None noted
ROOMS Faver Uvina . Dinino Kitchen Den Familv Rm. Rec. Rm. Bedrooms # Baths Laundrv Other Area SQ. Ft
-. 759
f" Basement
~ level 1 1 1 2 1 759
..
.. level 2
~
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~ Finished area above orade contains: A Rooms' 2 Bedroomlsl: '1 Bathls): 759 Sauare Feet of Gross Livina Area
:J INTERIOR Materlals/Gondmon' HEATING KITCHEN EOUIP. Arne AMENITIES CAR STORAGE:
...
..--. Floors Carpet,VinyllAvg . Type FHA Refrigerator 0 None 0 Fireplace(s) # 0 None 0
Walls DrywalllAvg Fuel Gas Range/Oven 0 Stairs 0 Patio Rear fZ1 Garage # of cars
T rinVRnish Wood,Painted/Avg Condition Averaoe Disposal 0 Drop Stair 0 Deck 0 Attached
Bath Roor Carpet/Avo COOLING Yes Dishwasher 0 ScutUe 0 Porch stoop ~ Detached
Bath Wainscot Fiberalass/Aya Central Yes Fan/Hood 0 Floor 0 Fence Rear ~ Built-In
.-
Doors Wood/Avo Other No Microwave 0 Heated R Pool R Carport 1
Condition Ayerage Washer/Drver n Finished Drivewav 1-2
Additional featUres (special energy efficient items, etc.): Vinyl replacement windows throughout; fan!light ceiling fixture in living room: eat-in kitchen .
with wood cabinets vinyl floor. and side access to rear concrete patio; full 5.5' hiah basement with exterior access.
MI Condition of the improvements, depreciation (physical, functi~naI, and external), repairs needed, quality of construction, remodeling/additions, etc.: The home has
~ been well maintained and is in averaoe condition. There were no apparent inadequacies. The construction Quality is typical for the area. The.
3 estimated effective age Is below the actual aae due tp maintenance condition and comparison to conlPetina neighborhoods. Physical .
.; depteciationis attributed to age and deferred maintenance. Unless otherwise stated, no items (SeeAddendum)
Adverse environmental conditions (such as, but not limited to, hazardous wastes, toxic substances, etc.) present in the improvements, on the site, or in the
immediate vicinity of the subject property.: The property is of an aae where lead based paint may be present The market does not penalize the
property. but the client should be advised of its possible existence. It is assumed that it is not present. If the client (See Addendum)
UNIFORM RESIDENTIAL APPRAISAL REPOR'T
Mickey Estate
red die Mac Form 70 6193
PAGE 1 OF 2
Form UA2 --- "TOTAL for Windows" appraisal software bya la mode, inc. -1-800-ALAMODE
Fannie Mae Form 1004 6193
UNIFORM RESIDENTIAL APPRAISAL REPORT'
Valuation Section
I~s.s~:~:~~~ ~~;R~~~~1l0N COST~NEW.-OF. iMPROVEMENTs;..... ..= $
Dwelling 759 Sq. Ft. @$ .= $.
759 Sq. Ft.. @$ =
. -
: G~ge/ClUPcirt . ~ Sq. Ft @$ =
total 'Estimated Cost New.....:..... :...................= $
Less Physical Functional . External
Depreciation I I = $
Depreciated Vaiue of Improvements . .. .. . . .. .. .. ... .. .., . . ".' . . .. . ... = $
"As.is" Value of Site Improvements.... ....... ..... ........... .......... =$'
INDICATED VALUE BY COST APPROACH ............. ................ -:$
ITEM I SUBJECT COMPARABLE NO.1 COMPARABLE NO.2
214 Cumberland Drive 6 Walnut Lane 235 Cumberland Road
Address Camp HilL PA Camp Hill PA Camp Hill, PA
Proximitv to Subiect ...... .:}/"....< ;.;:+:,c'. 0.13 miles 0.15 miles
Sales Price .S) NA.,t',':,'Ti;~{:I$. 118000 'i,\!':"(?i ....,.},).
Price/Gross L1vino Area $ r/:J $ 141.32 r/:JL'Jr'f':';j.':':'':}i,: i $ 130.63 rj:J
Data and/or Executor MLS, Agent, Ext. Inspect. and MLS, Agent, Ext. Inspect and
Verification Source . Tax Assess.Red Courthouse Records Courthouse Records
VALUE ADJUSTMENTS DESCRIPTION DESCRIPTION: +( -.\$ Adiust DESCRIPTION: +( -)$ Adiust
Sales or Financing ;'..< "Ie':; Conventional; Conventional,
Concessions"," Costs I -3.000 None :
Date of Salemme >.i,i.,', ):;;..~,: 1-20-0655DOM : 6-17-0543DOM :
Location AveraQe Averaae: Averaae I .
Leasehold/Fee Simole Fee Simple Fee Simole: Fee Simple :
Site 0.15 acre 0.18 acre :. 0.17 acre :
View Averaae street Averaae: Averaae:
Desion and Aooeal Ranch I Ava. Ranch I Ava.: Ranch / Ava. . :
Qualltv of Construction Avg.!Aluminum Ava.! Stone : -2 000 Ava.Ninvl :
Aae 58 vears 56 vears I 56 vears :
Condition Averaae Averaae . , Averaae:
Above Grade Total:Bdrms:Baths Total:Bdrms: Baths: Total:Bdrms: Baths:
Room Count 4 : 2 : 1 4: 2 : 1 : 5 : 2 : 1 :
Gross Livlna Area 759 Sa. Ft. 835 So. Ft. : . 0- 888 So. Ft. :
~ Basement & Finished Fu11/5.5ft height Full basement: -1,000 N9ne :
_ Rooms Below Grade Unfinished Unfinished I NA :
Functional Utilitv Averaae Averaae: Averaoe:
· HeatinolCoolinll FHA ICent. Air FHA I Cent.Air : FHA I Cent. Air : '.
EnerovEfficientltems' Averaae Average: Averaae:
Garalle/Caroort Carport x1 On Street Pka: +1 500 Off Street Pka :
Porch, Patio, Deck, Patio . Patlo Patio:
Flreolacelsl. etc. . None None None' I
Fence Pool etc. Fence Washer&DlVer : Fence. Shed :
I ;
I . . I
Mickey Estate
Ale No 06M 106
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): The Cost Approach will generally
result in an excellent estimate of value if the buildina is' new. or. ~ ,.
reasonablv new and the improvements reflect the hiahest and,'
best use of the land. However when items of phvsical . ...-. "
. depreciation must be estimated an area. of iudoement is.
involved which Is sublect to error. The cosfApproach was not
utilized due to the subiect's aaa.
COMPARABLE NO.3
116 Cumberland Drive
Camp Hill. PA
0.11 miles ,
116,000 ii;,';"";;"
',' 011 1'22.49 r/J I,..::
MLS; Agent; Ext. Inspection
Courthouse Records
, DES.CRIPTlON : +(-\$ Adiust.
Conventional' : '
None :
4~29-05 9DOM :
Averaoe : :
Fee Simple. :
0.25 acre :
. Averaae street :
Ranch I Ava.> :
Ava.iAsbestos :
53 vears :
Averaae :
T ota! : Bdrms: Baths :
5 : 3 : :1 ':
-3 ~OO
+3,000
+1.500
Freddie Mac Form 70 6/93
PAGE 2 OF 2
Form UA2 - "TotAL for Windows" appraisal software by a la mode, inc. -: 1-800-ALAMOOE
114 900
.:,,,
-1.000
..
938 So. Ft. :
-4 500
+3,000
None
NA
Averaae .
FHA I Cent. Air
Averaae
Garaae x1 .
Patio
None
None
,
::~ '; .
-1 000
I
I
,
I
, .
,
I
+500
114,000
'[}Did '0 Did Not'
, Inspect Property
.:! ..
State
State
Fannie Mae Form 1004 6-9.3
W\l~ I~V. VO- I VI) I
UNIFORM RESIDENTIAL APPRAISAL REPORT
MARKET DATA ANALYSIS
These recen~ sales of properties are lTJost simil~ ~nd proximate to sUQiect and have lJeeD conside~ed in the r:narl~et an~lysl~. The description includes ~ dollar .adjustment, reflecting
market reaction to those items of slgmficant vanation between the subject and comp'arable properties. If a slgmflcant Item 111 the Gomp.arableproperty IS supenor to. or more
favorable than. the subject property, a minus (-) adjustment is made. thus reducing the indicated value of the SUbject. If a significant Item in the comparable is infenor to, or less
favorable than, the subject property I a plus (+) adjustment is made. thus Increasing the Indicated value of the subject
ITEM I SUBJECT COMPARABlE NO. 4 COMPARABLE NO. 5
214 Cumberland Drive 3 William Penn Drive
Address Camp Hili. PA Camp Hill, PA
Proximilv to SUbiect>,..:,:;",:: 0.14 miles
Sales Price $ NA,.,/::./ 'Hi 114,900'//';0 :,:/"," >1 $
Price/Gross UvinaArea '$ rtJ $ 115.02ltJ E";;'~ .......,;', ~ r/:J I.,,::
Data and/or ; Executor MLS; Agent; Ext. Inspection
Verification Sources : Tax Assess.Rcd Courthouse Records
VALUE ADJUSTMENTS DESCRIPTION DESCRIPTION: +( -)$ Adiust.
Sale~ or Financing I:;"" ...q".>",,'''.' Conventional :
Concessions ,.........,.. .. :<_ Costs :
Date of Sale/Time:' . "i, 9-21-05700M :
Location · Averaae Averaae :
Leasehold/Fee Simnle : Fee Simole Fee Simole :
Site '0.15 acre 0.19 acre :
View Average street Avo. Street :
~ Desian and AODeal Ranch / Avo. Ranch / Ava. :
Qualitv of Construction 'Avg./Aluminum Avo.lAluminum :
. Ane 58 vears 60 vears :
Condition ; Averaae Averaae. :
= Above Grade ~ T atal : Bdnns: Baths T atal : Bdrms: Baths :
- RoomGount 4 : 2 : 1 5: 3 : 1 :
Gross Uvino Area 759 So. Ft. 999 So. Ft. :
Basement & Finished Full/5.5ft height Crawl Space :
Rooms Below Grade . UnfiniShed NA I
Functional Utility rAveraae Averaae :
Heatina/Coolina . FHA /Cent. Air FHA / None :
Enerav Efficient Items 'AveraQe Average :
Garaoe/Carnort : Carport x1 Off street Pkg :
Porch, Patio, Deck, ; Patio Cov. Porch :
Areolace(s), elc. : None None I
Fence Pool. etc. Fence Appliances:
Net Adi. (total\
Adjusted Sales Price
of Comoarable
Date. Prioe and Data
Source for prior sales
within year of anDraisal
Comments:
;,,\y,""/?:, r 1 + [Xl - : $
i'>.:. ...::{?;'!; ><.",' ..:. '.:........ .......'.... "......N.,. .e.t...,..:..:.i,.1..'..7.........'.....'..0I..;.\
'... ' ;...::' 'J ,'. "'.",.. ,.... . . ,.70
..... ..... J""':';':"GroS~::':13J\% $
;NA NA
!NA NA
.Crthse Records Courthouse Records
,
21
iit
....
~
....
.~
.arket Data AnalYSIS 6-93
COMPARABLE NO. 6
:."":":, ;'
:.: ,,: ," ! Si
. "'<".J$
ltJ I;;':':;:~ . ':',
DESCRIPTION
: +( -)$ Adlust.
DESCRIPTION \ +(-l$ Adiust.
I
I
,
,
.
,
1
1
I
,
I
1
I
I
I
I
:
:
I
,
I
I
-2,000
--.
I
Total : Bdrms : Baths :
T otaJ : Bdrms : Baths :
-6.000
+3,000
o
So. Ft. :
Sa. Ft. :
+2 000
+1 500
-500
2,000 r 1 + [ l - : $
" .Net. ' %.\
112,900 " 'Gross., ~ %1 $
f'l+ r -:$
".,,:,. ",NElLi "'101
i";'bf055' .". i",' %1 Si
Form UA2.(AC) -"TOTAL for Windows" appraiSal software by a la mode, inc. - HlOO-ALAMOOE
II-He No. 06-1061 '
BorroWer/Client NA
Prooertv Address 214 Cumberland Drive
City Camo Hili i County Cumberland State PA ZiD Code 17011-6672
Lender Richard C. Snelbaker. ESQuire
Supplemental Addendunl
Rle No 06-1 06
. URAR: Condition of the Improvements Cont'd:
were observed that would require immediate repair. Basement ceiling clearance is 5.5 feet which decreases
functional utility. Minimal older wood kitchen cabinets. Carport with aluminum awning style roof. Functional
obsolescence due to lower ceiling clearance in basement. No economic obsolescence was observed.
. URAR: Adverse Environmental Conditions Cont'd:
has a concern, then a qualified expert in this area should be contacted. There are no known or apparent adverse
environmental conditions that would negatively impact on the sale of the property.
· URAR: Sa~es ComDarison Approach Cont'd:
Sale #3 was well maintained, per agent. Home had some new replacement windows and carpet. Sale #4 was
freshly painted and had new carpet. All sales considered equally.
Estimated indicated value can also be determined by using the Gross Adjustment of sale price for each
comparable (comp) as a measure of relative quality of the camp. A lower adjustment indicates a better comp, and
vice versa. The ratio of gross dollar adjustment to sale price for each of the comps is used to calculate the weight
each comp should have in a weighted calculation. This weighted calculation is Llsed to also indicate the estimated
value of the ,subject. As with any method this technique is not perfect. However it does do a very good job of giving
more weight, to the most similar comps while at the same time minimizing values near the extremes of the indicated
value range. The estimated weighted value is: $114,000, which supports the estimated value.
Definition of Market Value:
The definition of Market Value is from regulations published by federal regulatory agencies pursuant to Title XI of
the Financial Institutions 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 (NCUA), Federal
Deposit Insurance Corporation (FDIC), the Office of Thrift Supervision (01'8), and the Office of Comptroller of the
Currency (GCC). 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;
Scope of Work:
Observation: of the exterior and walk through observation of the interior of the property. Measuring the exterior of
the dwelling., Review of the REDS courthouse data and Central Penn Multi-List, Inc. records. Reviewing the county
tax map online information, county tax map, zoning, and FEMA flood maps. Verifying, if possible, the comparable
sales with broker, agent, seller or buyer. Use of Marshall Valuation Service data for completion of the Cost
Approach, if' approach is warranted. Land sale search data obtained from REDS online data service and Central
Penn Multi-L,ist, Inc.
Special Limitina Conditions:
This appraisal is not a home inspection and the appraisers are not acting as home inspectors when preparing the
report. The borrower has the right to have the home inspected by a professional home inspector. When performing
the inspection of this property. the appraisers visually observed areas that were readily accessible. The appraisers
are not required to disturb or move anything that obstructs access or visibility. The inspection is not technically
exhaustive. The inspection does not affer warranties or guarantees of any kind.
The appraisers are nat home or environmental inspectors. The appraisers prOVide an opinion of value. The
appraisal does not guarantee that the property is free of defects or environmental problems. The appraisers
perform an inspection of visible and accessible areas only. Mold may be present in' areas the appraisers cannot
see. A professional home inspection or environmental inspection is recommended. .
If the property is sold, this appraisal is subject to. satisfactory inspection reports including, but not limited to: woad
infestation, water test(s), radon, building inspections, etc.
· URAR: SUPDlemental Certifications
I certify that, :
This COMPL,ETE APPRAISAL- SUMMARY APPRAISAL REPORT was prepared by Karen Damey the direction of
Richard C. Snelbaker, Esquire (client) for use in estate settlement. Estimated market value is the most probable
price in terms of cash or in terms of financial arrangements equivalent to cash. The information and opinions
contained in this appraisal set forth the appraiser's best judgment in light of the information available at the time of
the preparation of this report. Any use of this appraisal by any other person or entity, or any reliance or decisions
based on this appraisal are at the sole responsibility and at the sole risk of the third party. I accept no. responsibility
for damages suffered by any third party, as a result of reliance an or decisions made or actions taken based on this
report.
In my opinion, the reasonable exposure time linked to the value opinion is up to 180 days.
I further certify that, to the best of my knowledge and belief:
- The statements of fact contained in this report are true and correct.
Form TADD - "TOTA~ for Windows" appraisal software, by a la mode, inc. - 1-800-ALAMODE
Supplemental Addehdum
File No. 06-106
state P A
Zi Code 1"1011-6672
- The reported analyses, opinions, and conclusions are limited only by the reported assumptions and limiting
conditions, and are my personal, impartial, and unbiased professional analyses, opinions, and conclUsions.
- I have no present or prospective interest in the property that is the sUbject of this report or to the parties
involved with this assignment.
- My engagement in this assignment was not contingent upon developing or reporting predetermined results.
- My compensation for completing this assignment is not contingent upon the development or reporting of a
predetermined value or direction in value that favors the cause of the client, the amount of the value opinion, the
attainment of a stipulated result, or the occurrence of a subsequent event directly related to the intended use of
this appraisal.
- My analyses, opinions, and conclusions Were developed, and this report has been. prepared, in conformity'
with the Uniform Standard of Professional Appraisal Practice.
- I have made a personal inspection of the property that is the subject of this report.
- No one provided significant professional assistance to the persons signing this report.
- This appraisal has been prepared in conformity with the requirements of the Code of Professional Ethics and
the Standards of Professional Appraisal Practice of the Appraisal Institute. "
- The use of this report is subject to the requirements of the Appraisal Institute relating to review by its duly
authorized representatives. '
Karen Damey, PA State Certified General Real Estate Appraiser I GA001260L
form TAOO - HTOTAl for Windows" appraisal software by a la mode, inc. -1-800-ALAMODE
Irlle No. UO-1 VO I
DEFINITION OF iMARKET VALUE: The most probable price which a property should briny in a competitive and open market under all condifions
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 consul1;lmation 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 lIS. dollars or in terms of financial arrangements comparable thereto; and (5) the pOGe
reJX"8sents the' normal 9onsideration for the property sold unaffected by special or creative financing or sales concessions"" granted by anyone associated with
the sale.
* Adjustments to the comparables must be made for special or creative financing or sales concessions. No adjustments are necessary
for those costs which are normally paid by sellers as a result of tradition or law in a market area; these costs are readily Identifiable
since the seller pays these costs in virtually all sales transactions. . Special or creative financing adjustments can be made to the
comparable JJl:operty by comparisons to financing terms offered by a third party institutional lender tIlat is not already involved in the
property or tri;U1saction. 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 judgement
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 apJ:Jaiser assumes that
tile 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 waiser .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 i~ Visualizing the property and understanding the appraiser's detem1ination 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 "le 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 hazardous wastes, toxic
substances, etc.) observed during the inspection of the subject property or that he or she became aware of during the normal research involved in performing
the aP!l'aisaJ. 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 Qncluding 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 Ulat might be required to discover whether such
conditions exist Beciluse 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 InformaUon, estimates, and opinions that were expressed in the appraisal report from sources that he or she considers to be
reliable and believes thf!m 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 apfXaiser will ;not disclose' the contents of lhe' apprais~report except as. provided for in the Uniform Standards of Professional Appraisal Practice.
9. The appraiser has I based his or her appraisal report and valuation conclusion for an appraisal. that is subject to satiSfactory completion, repairs, or
alterations 011 the assumption that completion of the improvements will be performed in a workmanlike manner.
10. The appraiser mu~t provide his or her prior wotten consent before the lender/client specified In the appraisal report can distribute the appraisal report
Qncluding conclusions about the property value, the appraiser's identity and professional designations, and references to any professional appraisal
organizations or the firm witll 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
. ot 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 'byanyone to the public through advertising, public relations, news, sales, or other media
Freddie Mac Form 439 6-93
Page 1 of 2
Fannie Mae Form 1004B 6-93
L. G. Connor Real Estate Appraisers
Form ACR - "TOTAL for Windows" appraisal software by a la mode, inc. - 1-aOO-ALAMODE
. ...........-.-.,.-. -~.~ --...
APPRAISER'S CERTIFICATION: The Appraiser certifies and agrees that:
1. '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 approprtate 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 sl:lbject property. I. have made a negative adjustment to reduce
the adjusted sales p1ice 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 form.
4. I have no present or prospective Interest in the property that is the subject to this report, and I have no present or prospective personal interest or bias with
respect to the participants in the transaction. I did not base, either partially or completely.. my analysis and/or thee~t1mate of market value: in the, appraisal report
on the race, color. religion, sex, handicap, familial status, or national origin of either the prospective owners. or occupants of the subject property or of the present
owners or occupants of the properties in the vicinity of the SUbject property.
5. 'have no present or contemplated future interest in the sub/eet 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 Dr any related party, the amount of th~ 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. '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 i 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 'indivldUaI(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 appraisal report, he or she certifies and agrees that
I directly supervise the appraiser Who prepared the appraisal report, havereviewed 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: 214 Cumberland Drive. Camp Hill. PA 17011-6672
APPRAISER: SUPERVISORY APPRAISER (nnly if required):
. ~", .f111 ;'""'" j 1." ,.7 #
Signature: . /, .. " t'_A....,./'
Name: Karen Dame PA Certified Gen'l Real Estat~!J( raiser
Date Signed: Februa 14 2006
State Certification #: GA001260L
or Statlllicense #:
State: PA
Expiration Date of Certification or License: June 3D, 2007
Signature:
Name:
Date Signed:
State Certification #:
or State license #:
State:
Expiration Date of Certification or License:
o Did
o Did Not Inspect Property
,.
Freddie Mac Form 439 6-93
Page 2 of 2
Fannie Mae Form 1004B 6-93
Form ACR - "TOTAL for Windows. appraisal software by a la mode, inc. -1-800-ALAMODE
Location Map
~rJC\ient NA
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camp H\I\
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state P A
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FEE-SIMPLE DEED-Typewriter'
elation Press, Hanisburg. Fa,
~/'-d-
(jJ4in3Ju~.eututr ,
day of ~
3-~ -L-
;iftlabe tije
in th.e }/ear of our Lord One
Thousan,d Nine Htmdred and
~etweell JOHN DAVID MARTIN and NANCY E. }1AR'l'IN, his wife, of Lower Allen
Tmmship, Cumherland Gounty, Pennsyl~ania, parties of t.he first part
A
N
D
EARL G_ MICKEY and RUTH E..MrCK~Y, his wife, of Mechanicsburg,
Cumberland Count.y', Pennsylva.nia, par't.ies .
of the second part, Uitne55ctu, That the ~aid part ies of tlte first part, for and in consi.deration
of the s1f1n of One Dollar ($1.00) and other good and valuable considerations
~'fi;l2{nvrul money of the United States of America, well and truly paid by the said part iea of the second
part to the said parties of the ~rst part, at and before the sealing and d.elivery of these presents, the receipt
whereof jis hereby ackno1.vledged, have granted, bargained,.
sold, aliened, enfeoffed, released, conveyed, and confirmed and by these 1,resents do grant, bargain, sell,
alien, e1'Zfeoff, release, convey, ami confirm. unto the said part ies of the second part, th.em.sel ves,
their heirs and assigns,
~ll that cert.ain piece or parcel of land with the buildings and improvements
thereon erectedt being known as Lot No. 98, on Plan of Lots la.id out for Allen Park
Develo}.1IIlent Corporation" called tlCumberland Park If as recorded in Plan Book h,
Page 86, Cumberland Count.y records, situate on the northwesterly side of Cumberland
Dri.ve (ormerly Avenue "1;'11), Cumberland Park, Tm'<lnship of Lower Allen, CountJ'- of
Cumbez;land and Common\'ieal'th of Pen..l1sylvania, bounded and described as follows, to
wit:
BEGINNING at Ii point of tengent on the Northwest..erly side of Cumberland Drive
(formerly Avenue "fit), said poi.nt.. of tangent being at, the arc distance of two hundred
t;wen.ty....:t.Qree a.ngp...ip~tittX...,Qne one hY:Il~J:"edt.hs (223.91) feet mea.sured in a. 1y{esterly
direction along a line cllrving to the left ha\ring a ra.diu's of t~-JO hundred sixty-one
and fJ.fty-seven one-hundredths '(261.5'7) feet froIIl a point of curve on the said side
of Cumberland Drive (formerly Avenue lit"'''), sa.id point of curve being at. the distance
of two hundred twenty-nine and ninety-seven one-hundredths (229.97) feet measured
North fifty-nine (59) degrees tiu'ee (3) minutes thirtj" (.30) seconds \'fest. from the
intersection of the said side of Cumberland Drive (fQrlnerly Avenue "1"11) "dth the
North\1festerl;f side of Locust Hoad (form.erlJr Avenue uNit) (60 feet wide) (both lines
produ{;:ed),; thence from the point of beginning a.longthe N.orthwesterly aide of
Cumberland Drive (formerly Avenue "F") South seventy-one (71) degrees fifty-three
(53) minutes thirty (30) seconds West sixty (60) feet to a point; thence along Lot
No. 99 North eighteen (18) degrees six (6) minutes thirty (30)...seconds ~{est one
hundred fourlieen and thirt.y-nine one-hundredths (1l4.39) ,feet to a. point; ~henC?e along
lands no'l'I or late of Robert.. Stoner North sevent..y-nne (71) degrees fifty-seven \57)
minut~s thirty (30) seconds East, sixty (60)neet to a point; thence along Lot No. 97
South. eighteen (18) degr.ees six (6) minutes t.hlrt;;r C30) secoIlds East one hundred
fou.rteen and. thirty-t.wo om~-hundredth5 (114.)2) feet.. to the first mentioned point and
place of BEGINNING.
'_.~.....,"-
,>
UNDER AND SUBJEC1' to said Re$.f~rYations and Restrict.ions as cont.ained in prior
Qeed~.
Building Sketch (Page - 1)
It-lie NO. Ub-1 Uol
Borrower/Client NA
Prooertv Address 214 Cumberland Drive
Gitv Camp Hili County Cumberland Stale PA liD Code '17011-6672
lender Richard C. Snelbaker, ESQuire
14.00'
,-------...----------------,
. ,
I ,
! I
I I
i i ()
i Patio I 0
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o! I ~
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r- i I
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NOTE: Interior Sketch Not To Scale.
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KIT [];O - BR
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Furnace -tHITL
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Carport
'LR BR
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Commenls:
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AREA CALCULATIONS SUMMARY
Code Description Net Size .Net Totals
GLA.1. Ranch 759.00 759.00
pIp Patio 168.00 168.00
GAR Caxport 190.00 190.00
Net LIVABLE Area ( Rounded) 759
LIVING AREA BREAKDOWN
BI1l~kdown Subtotals
--
Ranch
23.00 x 33.00
759.00
1 Item ( Rounded)
759
Form SKT.BldSkl- "TOTAl for Windows" appraisal software by a la mode, inc, -1-800-ALAMOOE
Borrower/Client NA
Prooertv Addre.ss 214 Cumberland Drive
City Camp Hili County Cumberland State PA lioCode 17011-6672
lender Richard C. Snelbaker ESQuire
Subject Photo Page
Subject Front
214 Cumberland Drive
Sa/es Price NA
Gross Living Area 759
T ota/ Rooms 4
T ota/ Bedrooms 2
T ota! Ba1hrooms 1
location Average
View Average street
Site 0.15 acre
Quality Average
Age 58 years
Subject Rear
Subject Street
Form PICPIX.SR - "TOTAL for Windows" appraisal software by a fa mode, inc. -1-800-ALAMODE
Borrower/Client NA
Prooertv Address 214 Cumberland Drive
Citv Camp Hili County Cumberland State PA liD Gode 17011-6672
Lender Richard C. Snelbaker, ESQuire
Comparable Photo Page
Comparable 1
6 Walnut lane
Prox. to SUbject
Sale Price
Gross Living Area
Total Rooms
Total Bedrooms
Total Bathrooms
Location
View
Site
Quality
Age
0.13 miles
118,000
835
4
2
1
Average
Average
0.18 acre
Avg./ Stone
56 years
...!fi,~~~~ci'!!~.
::.'~~ ~~ l-Iii'~;Z~~~:. _~,
Comparable 2
235 Cumberland Road
Prox. to SUbject 0.15 miles
Sale Price 116,000
Gross Living Area 888
Total Rooms 5
Total Bedrooms 2
Total Bathrooms 1
Location Average
View Average
S~ Q17acffi
Quality Avg.Mnyl
Age 56 years
Comparable 3
116 Cumberland Drive
Prox. to Subject 0.11 miles
Sale Price 114,900
Gross living Area 938
Total Rooms 5
Total Bedrooms 3
Total Bathrooms 1
location Average
View Average Street
Site . 0.25 acre
Quality Avg./Asbestos
Age 53 years
Form PICPIX.CR - "TOTAL for Windows" appraisal software by a la made, inc. - 1-800-ALAMOOE
Comparable Photo Page
Borrower/Client NA
Pronertv Address 214 Cumberland Drive
Citv CamD Hili County Cumberland State PA liD Code 17011-6672
lender Richard C. Snelbaker. ESQuire
Comparable 4
3 William Penn Drive
Prox. to Subject 0.14 miles
Sale Price 114,900
Gross Uving Area 999
Total Rooms 5
Total Bedrooms 3
Total Ba1hrooms 1
Location Average
View Avg. Street
Site 0.19 acre
Quality Avg.lAlumlnum
Age 60 years
Comparable 5
Prox. to SUbject
Sale Price
Gross living Area
Total Rooms
Total Bedrooms
Total Bathrooms
Location
View
Site
Quality
Age
Comparable 6
Prox. to Subject
Sale Price
Gross tiving Area
Total Rooms
Total Bedrooms
T ota! Bathrooms
location
View
Site
Quality
Age
Form PICPIX.CR - "TOTAL for Windows" appraisal software by a la mode, inc. -1-800-ALAMOOE
REV-1506 EX + (6-96)
COMMONVVEAL TH OF PENNSYLVANIA
INHERITANCE TAX RETURN
RESIDENT DECEDENT
SCHEDULE E
CASH, BANK DEPOSITS, & MISC.
PERSONAL PROPERTY
ESTATE OF
Ruth E. Mickev
FILE NUMBER
21 06 0077
Include the proceeds of litigation and the date the proceeds were received by the estate.
All property jointly-owned with the right of survivorship must be disclosed on Schedule F.
ITEM
NUMBER
DESCRIPTION
VALUE AT DATE
OF DEATH
1
Capital Blue Cross
refund unused premium
487.43
2
Citizens Bank
checking account #6100675300
23,678.89
3
Commonwealth of Pennsylvania
property tax rebate due the
Decedent
96.96
4
Haband
refund due the Decedent for
overpayment of merchandise
purchased via mail
6.53
5
Hartford Life Insurance
death benefit from pension plan
2,000.00
6
Household goods
retained by family, appraised
value (see attached appraisal)
1,300.00
7
Moffit Heart & Vascular Group
refund due the Decedent for
overpayment of medical expenses
1,080.00
8
West Shore Pathology
refund due the Decedent for
overpayment of medical expenses
217.86
3W46AD 1.000
TOTAL (Also enter on line 5, Recaoitulation) $
(If more space is needed, insert additional sheets ci the same size)
28,867.67
APPRAISAL
~ersonal Property of .~ST ~ff RUTh' .c, /1/ c~ ~y .-1../1/ Ctll1l3, fi-cPj CA/1PHiu... ? 1-.
~ppraised by Chuck E. Bricker AU094-L Date :2 - -0
ITEM ITEM VALUE
REV:1510 EX + (6..98)
COMMONWEALTH OF PENNSYLVANIA
INHERITANCE TAX RETURN
RESIDENT DECEDENT
ESTATE OF
Ruth E. Mickey
SCHEDULE G
INTER-VIVOS TRANSFERS &
MISC. NON-PROBATE PROPERTY
FILE NUMBER
21 06 0077
This schedule must be completed and filed if the answer to any of questions 1 through 4 on the reverse side of the REV-1500 COVER SHEET is yes.
DESCRIPTlON OF PROPERlY
ITEM iI'O..l.O:TH:No\MEOFTH:TRANSFEREE, THEIR RELATIONSHIP TO DECEDENT AI'{) DATE OF DEATH % OF DECD'S EXCLUSION TAXABLE
NUMBER TI-E DATE OF TRMI9fER ATTACH A COP'{ OF TI-E DEED FOR REAl EST ATE. VALUE OF ASSET INTEREST (IF I>PPUCABLE\ VALUE
1. Transamerica Life Insurance
Company 220,740.37 100.0000 0.00 220,740.37
annuity account # 26160700
TOTAL (Also enter on line 7, Recapitulation) $ 220.740.37
(If more space is needed, insert additional sheets of the same size)
W46AF 1.000
REV:1511 EX+(~2-99)
SCHEDULE H
FUNERAL EXPENSES &
ADMINISTRATIVE COSTS
COWMONWEAL TH OF PENNSYLVANIA
INHERITANCE TAX RETURN
RESIDENT DECEDENT
ESTATE OF
Ruth E. Mickey
Debts of decedent must be reported on Schedule I.
ITEM
NUMBER
DESCRIPTION
A.
FUNERAL EXPENSES:
1.
Funeral Luncheon
Total from continuation schedules
B.
ADMINISTRATIVE COSTS:
Personal Representative's Commissions
1.
Name of Personal Representative(s)
Social Security Number(s) I EIN Number of Personal Representative(s)
Street Address
City
State
Zip
2.
Year(s) Commission Paid:
Snelbaker & Brenneman, P.C.
Attorney Fees
3. Family Exemption: (If decedent's address is not the same as claimant's, attach explanation)
Claimant
Street Address
City
State
Zip
Relationship of Claimant to Decedent
4.
Probate Fees
5. Accountant's Fees
6. Tax Return Preparer's Fees
7.
1
Bricker's Auction
appraisal fee on household goods
2
Cumberland Law Journal
advertising Executor's Notice
Total from continuation schedules
FILE NUMBER
21 06 0077
3W46AG 1.000
TOTAL (Also enter on line 9, Recapitulation)
(If more space is needed, insert additional sheets of the same size)
AMOUNT
115.00
276.00
2,000.00
252.00
75.00
75.00
1,512.24
$
4,305.24
Estate of: Ruth E. Mickey
201-18-6671
Schedule H Part 1 (Page 2)
Item
No.
Description
Amount
2
Myers Funeral Home, Inc.
funeral expenses
276.00
Total (Carry forward to main schedule)
276.00
201-18-6671
Estate of: Ruth E. ~ckey
3
Schedule H Part 7 (Page 2)
Jones Accounting Servcies
property tax rebate preparation
35.00
4
Patriot News
advertising Executor's Notice
129.69
5
Postmaster, Mechaniscburg Branch
certified mail, stamps and copies
28.55
6
Register of Wills
short certificate
4.00
7
Register of Wills
filing fee for Inheritance Tax
Return
15.00
8
RSR Appraisers & Analysis
real estate appraisal fee
300.00
9
Reserve
for filing fees, accounting fees
and other miscellaneous fees
associated with the administration
of Decedent's estate
1,000.00
Total (Carry forward to main schedule)
1,512.24
REV-1512 EX + (12-03)
COMMONWEALTH OF PENNSYLVANIA
INHERITANCE TAX RETURN
RESIDENT DECEDENT
ESTATE OF
Ruth E. Mickey
SCHEDULE I
DEBTS OF DECEDENT,
MORTGAGE LIABILITIES, & LIENS
FILE NUMBER
21 06 0077
Report debts incurred by the decedent prior to death which remained unpaid as of the date of death, including unreimbursed medical expenses.
ITEM
NUv'lBER
1.
DESCRIPTION
VALUE AT DATE
OF DEATH
American Water Pennsylvania
water service
46.90
2 AT&T
phone service
45.47
3 Bonnie K. Miller, Tax Collector
county/township taxes
9.80
4 PPL Electric
electric service
50.14
5 UGI Utilities, Inc.
gas/propane service
79.00
3W46AH 2.000
TOTAL (Also enter on line 10, Recapitulation) $
(If more space is needed, insert additional sheets of the same size)
231.31
REV-1513 EX4- (9-00)
COMMONI/VEAL TH OF PENNSYLVANIA
INHERITANCE TAX RETURN
RESIDENT DECEDENT
ESTATE OF
Ruth E Mickev
SCHEDULE J
BENEFICIARIES
FILE NUMBER
21 06 0077
1
NAME AND ADDRESS OF PERSON(S) RECEIVING PROPERTY
TAXABLE DISTRIBUTIONS [include outright spousal distributions, and transfers
under Sec. 9116 (a) (1.2)]
David W. Mickey
3 Andes Drive
Mechanicsburg, PA 17055
RELATIONSHIP TO DECEDENT
Do Not List Trustee(s)
AMOUNT OR SHARE
OF ESTATE
NUMBER
I
100% of Residue: 359,071.49
Son
359,071.49
2 Richard D. Shaffer
214 Cumberland Drive
Camp Hill, PA 17011
Possessor in Real Estate
Brother
0.00
ENTER DOLLAR AMOUNTS FOR DISTRIBUTIONS SHOWN ABOVE ON LINES 15 THROUGH 18, AS APPROPRIATE, ON REV-1500 COVER SHEET
II NON-TAXABLE DISTRIBUTIONS:
A. SPOUSAL DISTRIBUTIONS UNDER SECTION 9113 FOR WHICH AN ELECTION TO TAX IS NOT BEING MADE
B. CHARITABLE AND GOVERNMENTAL DISTRIBUTIONS
3W46AI 1.000
TOTAL OF PART 11- ENTER TOTAL NON-TAXABLE DISTRIBUTIONS ON LINE 13 OF REV-1500 COVER SHEET
(If more space is needed, insert additional sheets of the same size)
$
0.00
~."-,-
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LAW OFFICES
SNELBAKER,
BRENNEMAN
& SPARE
LAST WILL AND TESTAMENT
I, RUTH E. MICKEY, of the Township of Lower Allen, County of Cumberland, and
Commonwealth of Pennsylvania, being of sound and disposing mind, memory and
understanding, do make, publish and declare this as and for my Last Will and Testament, hereby
revoking and making void all former wills and codicils by me at anytime heretofore made.
FIRST. I order and direct that all my just debts and funeral expenses be paid by my
Executor or Executrices as the case may be, hereinafter named, as soon as conveniently may be
done after my decease.
SECOND. I give and devise unto my brother, namely, RlCHARD D. SHAFFER, the
right and privilege of residing in my real estate known and numbered as 214 Cumberland Drive
in Lower Allen Township, Cumberland County, Pennsylvania, for and during his natural lifetime
or until such earlier time as he cannot independently reside in said dwelling, on the conditions
that he pays all expenses of using and maintaining said real estate, including, but not limited to,
real estate taxes, home owner's insurance premium, utility charges, sanitary sewerage charges,
trash disposal charges, ordinary and routine repairs and maintenance and, lawn care. If my said
brother should fail or refuse to perform the above conditions or not be capable of residing
independently in said real estate, the foregoing right and privilege of possession shall terminate
and the person or persons entitled to the remainder interest under Item Third hereinbelow shall
be entitled to full possession of said property.
THIRD. I give, devise and bequeath all the rest, residue and remainder of my Estate,
real, personal and mixed, whatsoever and wheresoever situated, unto my son, DAVID W.
MICKEY, absolutely and in fee simple.
If my said son, DAVID W. MICKEY, should predecease me, I give, devise and
bequeath my said residuary estate in equal shares unto my granddaughters, namely, CHRISTINA
M. FATZINGER and ANDREA M. RUARK, share and share alike, absolutely and in fee
simple.
LASTLY. I nominate, constitute and appoint my son, namely, DAVID W. MICKEY, to
be the Executor of this, my Last Will and Testament, but if for any reason he should fail to
qualify as such Executor ']r cease so to serve, then and in that event, I nominate, constitute and
appoint my granddaughters, namely, CHRISTINA M. FATZINGER, and ANDREA M.
RUARK, to be the Executrices hereof, each and all to serve without bond or other security as a
condition of qualification hereunder.
IN WITNESS WHEREOF, I, RUTH E. MICKEY, have hereunto set my hand and seal to
this my Last Will and Testamettt'Aw!ll/ch consists of two (2) typewritten pages to each of which I
have affixed my signature this ~ day of January, 2004, A.D., Two Thousand Four (2004).
~/,: )#~
Ruth E. Mickey
(SEAL)
The preceding instrument, consisting of this and one (1) other typewritten page, each
identified by the signature of the Testatrix, was on the date thereof signed, sealed, published and
declared by RUTH E. MICKEY, the Testatrix therein named, as and for her Last Will and
Testament, in the presence of US, who, at her r~. resence and in the prese.nce of each
other, have subscribed our names as witnesses he o.
~
~ ~-~
COMMONWEALTH OF PENNSYLVANIA)
SSe
COUNTY OF CUMBERLAND
)
We, RUTH E. MICKEY, RICHARD C. SNELBAKER and JANE J. COONEY, the
Testatrix and the witnesses, respectively, whose names are signed to the attached or foregoing
instrument, being first duly sworn, do hereby declare to the undersigned authority that the
Testatrix signed and executed the instrument as her Last Will and Testament and that she had
signed willingly, and that she executed it as her free and voluntary act for the purposes therein
expressed, and that each of the witnesses, in the presence and hearing of the Testatrix, signed the
Will as a witness and that to the best of his or her knowledge, the Testatrix was at that time
eighteen years of age or older, of sound mind and under no constraint or undue influence.
~~ ^~
jJ$:!-
Itness
~~.~
. Wi ess . <r
LAW OFFICES
SNELBAKER.
BRENNEMAN
Be SPARE
Subscribed, sworn to and acknowledged before me by Ruth E. Mickey, the Testatrix, and
subscribed and sworn to before me by RICHARD C. SNELBAKER and JANE J. COONEY, the
witnesses, this (pfJ-t. day of January, 2004.
/t4 .K 7l7tzh~/
Notary Public .
-2-
COMMONWEALTH OF PENNSYLVANIA
Notarial Seal
~n L Mafrazi, Notary Public
Mec::hanicsburg Boro, CUfT1berfand County
My Commission Expires Nov. 24.2007
Member. Pennsylvania Association Of Notaries