HomeMy WebLinkAbout08-04-06 (3)
REV-1500 EX + (6-00)
'*
COMMONWEALTH OF
PENNSYLVANIA
DEPARTMENT OF REVENUE
DEPT_ 280601
HARRISBURG, PA 17128-0601
REV-1500
INHERITANCE TAX RETURN
RESIDENT DECEDENT
OFFICIAL USE ONL Y
FILE NUMBER
2 1 -0 6 0 5 4 6
COONTYCOOE ----vEifi-- - - Nii'MiiER- -
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DECEDENT'S NAME (LAST, FIRST, AND MIDDLE INITIAL)
LOSCHER
DATE OF DEATH IMM-DD-Year)
SOCIAL SECURITY NUMBER
ETHEL MARY
DATE OF BIRTH (MM-DD-Year)
77- 2 4 - 7 055
THIS RETURN MUST BE FILED IN DUPLICATE WITH THE
REGISTER OF WILLS
05/18/2006 07/06/1929
(IF APPLICABLE) SURVIVING SPOUSE'S NAME (LAST, FIRST, AND MIDDLE INITIAL)
lXJ 1. Original Return
o 4. Limited Estate
o 6. Decedent Died Testate (Attach copy of Will)
o 9. Litigation Proceeds Received
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1. Real Estate (Schedule A)
2. Stocks and Bonds (Schedule B)
SOCIAL SECURITY NUMBER
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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 01 death between 12-31-91 and 1.1-95)
D 3. Remainder Return Idate of death pnor to 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(Al (Attach Soh 0)
THIS SECTION MUST BE COMPLETED.ALLCORRESPONOENCE AND CONFIDENTIAL TAX INFORMATION SHOULD BE DIRECTED TO:
NAME COMPLETE MAILING ADDRESS
ROGER B. IRWIN 60 WEST POMFRET STREET
FIRM NAME (If Applicable)
IRWIN & McKNIGHT
TELEPHONE NUMBER
717 249-2353 CARLISLE PA 17013
65,000.00 I
OFFICIAL USE e)Nt.. y -
(1)
(2)
(3)
(4)
(5)
3. Closely Held Corporation, Partnership or Sole-Proprietorship
4. Mortgages & Notes Receivable (Schedule D)
5. Cash. Bank Deposits & Miscellaneous Personal Property
(Schedule E)
6. Jointly Owned Property (Schedule F) (6)
D Separate Billing Requested
7. Inter-Vivos Transfers & Miscellaneous Non-Probate Property (7)
(Schedule G or L)
8. Total Gross Assets (total Lines 1-7)
9. Funeral Expenses & Administrative Costs (Schedule H) (9)
10. Debts of Decedent, Mortgage Liabilities, & Liens (Schedule I) (10)
11. Total Deductions (total Lines 9 & 10)
1 ,902.94
7,500.00
104,994.06 ,~~ ~_~
(8)
179,397.00
16,431.66
16,142.83
(11)
32,574.49
146,822.51
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
rnade (Schedule J)
(12)
(13)
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14. Net Value Subject to Tax (Line 12 minus Line 13)
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)
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
(14)
146,822.51
0.00 X _(15) 0.00
146,822.51 X .045 (16) 6,607.01
0.00 X .12 (17) 0.00
0.00 X .15 (18) 0_00
(19) 6,607.01
20. D
CHECK HERE IF YOU ARE REQUESTING A REFUND OF AN OVERPAYMENT
> > BE SURE TO ANSWER ALL QUESTIONS ON REVERSE SIDE AND RECHECK MATH < <
ece en s ompl e e ress:
STREET ADDRESS
6608 CARLISLE PIKE
CITY I STATE 1 ZIP
MECHANICSBURG PA 17055
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I t Add
Tax Payments and Credits:
1. Tax Due (Page 1 Line 19)
2. Credits/Payments
A. Spousal Poverty Credit
B. Prior Payments
C. Discount
(1)
330.35
Total Credits (A + 8 + C)
(2)
330.35
3. interest/Penalty if applicable
D. Interest
E. Penalty
T otai Interest/Penalty ( 0 + E ) (3)
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)
5. If Line 1 + Line 3 is greater than Line 2, enter the difference. This is the TAX DUE. (5)
A. Enter the interest on the tax due. (5A)
8. Enter the total of Line 5 + 5A. This is the BALANCE DUE. (58)
Make Check Payable to: REGISTER OF WILLS, AGENT
6,607.01
0.00
0.00
6,276.66
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
t . b f" d' t' ? f)(1
con alns a ene IClary eSlgna Ion. ....................................................................................................... ~
6,276.66
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 periury, I declare that I have examined this retum, including a9companying schedules and statements, and to the best of my knowledge and belief, it is true, correct and complete.
Declaration of preparer other than the pe sonal representative is based all' ormation of which pre parer has any knowledge.
SIGNATURE Op- SO NSI L R FILING DATE
/}, l/<//iC~
ADDRESS 3 W. YELLOW BREECHES ROAD
CARLISLE
SIGNATURE OFJ:1ARER, OTHER THAN REPRESENTATIVE
.-Lu j. cti<l-
ADDRESS 60 WEST OM FRET STREET
CARLISLE
PA 17013
DATE
6/ /~ ,
PA 17013
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 or for the use of the surviving spouse is 3%
[72 P.S. ~9116 (a) (1.1) (i)].
For dates of death on or after January 1, 1995, the tax rate imposed on the net value of transfers to or for the use of the surviving spouse is 0% [72 PS S9116 (a) (1.1) (ii)].
The statute does not exempt a transfer to a surviving spouse from tax, and the statutory requirements for disclosure of assets and filing a tax return are still applicable even if
the surviving spouse is the only beneficiary.
For dates of death on or after July 1, 2000:
The tax rate imposed on the net value of transfers from a deceased child twenty-one years of age or younger at death to or for the use of a natural parent, an adoptive parent,
or a stepparent of the child is 0% [72 P.S. ~9116(a)(1.2)].
The t2~ ''1te imposed on the net value of transfers to or for the use of the decedent's lineal beneficiaries is 4.5%, except as noted in 72 P.S. ~9116(1.2) [72 P.S. s9116(a)(1 )].
The j .ate 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 is defined, under Section 9102, as an
ir>" Jal who has at least one parent in common with the decedent, whether by blood or adoption.
REV~"" EX. (E~.
COMMONWEALTH OF PENNSYLVANIA
INHERITANCE TAX RETURN
RESIDENT DECEDENT
ESTATE OF FILE NUMBER
LOSCHER ETHEL MARY 21 06 0546
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 orooertv which is iointlv-owned with riaht of survivorshio must be disclosed on Schedule F.
SCHEDULE A
REAL ESTATE
ITEM
NUMBER
1.
DESCRIPTION
6608 Carlisle Pike, Mechanicsburg, Pennsylvania
Appraisal Attached
VALUE AT DATE
OF DEATH
65,000.00
TOTAL (Also enter on line 1, Recapitulation) $
(If more space is needed, insert additional sheets of the same size)
65 000.00
REV-1508 EX + 16-98)
*'
SCHEDULE E
CASH, BANK DEPOSITS, & MISC.
PERSONAL PROPERTY
COMMONWEALTH OF PENNSYLVANIA
INHERITANCE TAX RETURN
RESIDENT DECEDENT
ESTATE OF
LOSCHER
FILE NUMBER
ETHEL MARY 21 06
Include the proceeds of litigation and the date the proceeds were received by the estate.
All property jointly-owned with right of survivorship must be disclosed on Schedule F.
0546
ITEM
NUMBER
1.
DESCRIPTION
M& T Bank - Checking Account #3741375343
VALUE AT DATE
OF DEATH
473.07
2.
Citizens Bank - Checking Account #6100700259
899.87
3.
Personal Property
530.00
TOTAL (Also enter on line 5, Recapitulation) $
(If more space is needed. insert additional sheets of the same size)
1 902.94
REV-1509 EX + (6-98)
SCHEDULE F
JOINTLY-OWNED PROPERTY
COMMONWEALTH OF PENNSYLVANIA
INHERITANCE TAX RETURN
RESIDENT DECEDENT
ESTATE OF
LOSCHER
FILE NUMBER
ETHEL
MARY
21
06
0546
If an asset was made joint within one year of the decedent's date of death, it must be reported on Schedule G.
SURVIVING JOINT TENANT(S) NAME
ADDRESS
RELATIONSHIP TO DECEDENT
A. Dorothy G. Waggoner
2914 Harvard Avenue
Camp Hill, PA 17011
Sister
B
c
JOINTLY -OWNED PROPERTY:
LETTER DATE DESCRIPTION OF PROPERTY %OF DATE OF DEATH
ITEM FOR JOINT MADE INCLUDE NAME OF FINANCIAL INSTITUTION AND BANK ACCOUNT NUMBER OR SIMILAR DATE OF DEATH DECD'S V ALUE OF
NUMBER TENANT JOINT IDENTIFYING NUMBER. ATTACH DEED FOR JOINTLY-HELD REAL ESTATE. VALUE OF ASSET INTEREST DECEDENTS INTEREST
1. A. 03/1972 17 Acres of Mountain Ground in Silver Spring Township 15,000.00 50. 7,500.00
without any road frontage or right-of-way access
assessed in 2004 for $14,400 - see attached tax bill
TOT AL (Also enter on line 6, Recapitulation) $ 7,500.00
(If more space is needed, insert additional sheets of the same size)
REV-1510 EX + (6-98)
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COMMONWEALTH OF PENNSYLVANIA
INHERITANCE TAX RETURN
RESIDENT DECEDENT
SCHEDULE G
INTER-VIVOS TRANSFERS &
MISC. NON-PROBATE PROPERTY
MARY
FILE NUMBER
21 06
0546
ESTATE OF
LOSCHER
ETHEL
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.
DESCRIPTION OF PROPERTY
ITEM INCLUDE THE NAME OF THE CRANSFEREE, -HEIR RELATIONSHIP TO DECEDENT AND DATE OF DEATH % OF DECD'S EXCLUSION TAXABLE
NUMBER THE DATE OF TRANSFER. ATTACH A COPY OF THE DEED FOR REAL ESTATE VALUE OF ASSET INTEREST VALUE
ilF APPLICABLE)
1. M& T Bank - IRA 104,994.06 100. 104,994.06
#035004200297312
TOTAL (Also enter on line 7 Recapitulation) $ 104 994.06
(If more space is needed, insert additional sheets of the same size)
REV-1511 EX~(12-g9)
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SCHEDULE H
FUNERAL EXPENSES &
ADMINISTRATIVE COSTS
COMMONWEALTH OF PENNSYLVANIA
INHERITANCE TAX RETURN
RESIDENT DECEDENT
ESTATE OF
LOSCHER
FILE NUMBER
ETHEL
MARY
21
06
0546
Debts of decedent must be reported on Schedule I.
iTEM
NUMBER DESCRIPTION AMOUNT
A. FUNERAL EXPENSES:
1. Myers Funeral Home 9,600.00
2. Carlisle Memorials 170.00
B. ADMINISTRATIVE COSTS:
1. Personal Representative's Commissions
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 Irwin & McKnight 5.400.00
3. Family Exemption: (If decedent's address is not the same as claimants, attach explanation)
Claimant
Street Address
City State Zip
Relationship of Claimant to Decedent
4. Probate Fees Register of Wills 163.00
5. Accountant's Fees
6. Tax Return Preparer's Fees Patricia A. Rosendale, CPA 350.00
7. Register of Wills - Filing Fee 30.00
8. Notary 20.00
9. Cumberland Law Journal 75.00
10. The Sentinel - Estate Notice 137.03
11 . Roy D. Gottshall - Appraisal on Personal Property 45.00
12. S.W. Barrett Real Estate - Appraisal on Real Estate 300.00
13. Michael R. Loscher - Reimbursement 127.23
14. Postage 14.40
TOTAL (Also enter on line 9, Recapitulation) $ 16.431.66
(If more space is needed, insert additional sheets of the same size)
REV-1512 EX + (6-98)
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SCHEDULE I
DEBTS OF DECEDENT,
MORTGAGE LIABILITIES & LIENS
COMMONWEALTH OF PENNSYLVANIA
INHERITANCE TAX RETURN
RESIDENT DECEDENT
ESTATE OF
LOSCHER
FILE NUMBER
ETHEL
MARY
21
06
0546
Include unreimbursed medical expenses.
ITEM
NUMBER
DESCRIPTION
VALUE AT DATE
OF DEATH
1.
2.
3.
4.
5.
6.
7.
8.
9.
10.
11.
12.
13.
14.
15.
DIRECTV - Cable
70.04
Penn Waste, Inc. - Trash
88.36
AT&T - Telephone
336.81
Verizon - Telephone
438.23
PP&L - Electric
623.64
Suburban Energy Services - Fuel Oil
819.78
Lanc HMA Phys Mgmt Cent - Medical
304.69
Mellon Bank - Home Equity Loan #0275.040096-553
11,680.28
Blue Mountain Anesthesia Assoc. - Medical
6.61
Carlisle Regional Medical Center - Medical
952.00
Andorra Radiology Assoc., P.C. - Medical
66.41
Pennsylvania American Water - Water
192.16
Carlisle Digestive Disease Associates, Ltd. - Medical
59.93
Debra Basehore West - Real Estate Taxes
305.58
Silver Spring township Authority - Sewer
198.31
TOTAL (Also enter on line 10, Recapitulation) $
16.142.83
(If more space is needed, insert additional sheets of the same size)
",.""" >'*
COMMONWEALTH OF PENNSYLVANIA
INHERITANCE TAX RETURN
RESIDENT DECEDENT
SCHEDULE J
BENEFICIARIES
ESTATE OF
i n-_11r-r""\
NUMBER
1.
2.
ETHEL
FILE NUMBER
:J1 06
RELATIONSHIP TO DECEDENT
Do Not List Trustee(s)
0546
AMOUNT OR SHARE
OF ESTATE
1/2 Remainder
1/2 Remainder
ENTER DOLLAR AMOUNTS FOR DISTRIBUTIONS SHOWN ABOVE ON LINES 15 THROUGH 18, AS APPROPRIATE, ON REV-1500 COVER SHEET
n. NON-TAXABLE DISTRIBUTIONS:
A. SPOUSAL DISTRIBUTIONS UNDER SECTION 9113 FOR WHICH AN ELECTION TO TAX IS NOT BEING MADE
MARY
NAME AND ADDRESS OF PERSON(S) RECEIVING PROPERTY
TAXABLE DISTRIBUTIONS [include outright spousal distributions, and transfers under
Sec. 9116 (a) (1.2)]
1.
Michael R. Loscher
13 W. Yellow Breeches Road
Carlisle, PA 17013
Lineal
Collateral
Gary S. Loscher
36039 N. Grand Oaks Ct., Apt 102
Gurnee, IL 60031
Lineal
1.
B. CHARITABLE AND GOVERNMENTAL DISTRIBUTIONS
1.
TOTAL OF PART II - 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)
S. W. Barrett Real Estate & Appraisal Services
Fie No. 06-0235
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APPRAISAL OF
LOCATED AT:
6608 Carlisle Pike
Mechanicsburg, PA 17050
FOR:
Irwin & McKnight
60 West Pomfret Street
Carlisle, PA 17013
BORROWER:
Estate of Ethel Loscher
AS OF:
May 18, 2006
BY:
Cassandra J. Crockett
Certified Residential Appraiser
S. W. Barrett Real Estate & Appraisal Services
Fie No 06-0235
I
L-
06/19/2006
Irwin & McKnight
60 West Pomfret Street
Carlisle, PA 17013
File Number: 06-0235
Dear Sirs;
In accordance with your request, I have personally inspected and appraised the real property at:
6608 Carlisle Pike
Mechanicsburg, PA 17050
The purpose of this appraisal is to develop an opinion of the market value of the subject property, as improved.
The property rights appraised are the fee simple interest in the site and improvements.
In my opinion, the estimated market value of the property as of May 18, 2006
is:
$65,000
Sixty-Five Thousand Dollars
The attached report contains the description, analysis and supportive data for the conclusions,
final estimate of value, descriptive photographs, limiting conditions and appropriate certifications.
Respectfully submitted,
~..J. (LJU-
Certified Residential Appraiser
Prooertv Descriotion File No. 06-0235
Propertv Address 6608 Carlisle Pike City Mechanicsburg State PA Zip Code 17050
1egal Description Deed Book 23-Q; Paqe 738 & DB 26-G' Paqe 248 County Cumberland
Assessor's Parcel No. 38-18-1332-006/007 Tax Year 05/06 RE. Taxes $ 1,132.00 Special Assessments $ N/ A
Borrower Estate of Ethel Loscher Current Owner Paul R. & Ehtel M. Loscher Occupant: I I Owner [ 1 Tenant IX l Vacant
.. Property riahts aooraised r xl Fee Simole l Leasehold I Proiect Type r 1 PUD L J Condominium (HUDNA only) HOA$ NIA /Mo.
Neiahborhood or Proiect Name Hoaestown Map Reference 18-1332 Census Tract 0118.01
Sale Price $ N/A Date of Sale N/ A Description and $ amount of loan charaes/concessions to be paid by seller N/ A
Lender/Client Irwin & McKnight Address 60 West Pomfret Street, Carlisle, PA 17013
Appraiser Cassandra J. Crockett Address 126 North Hanover Street Carlisle PA 17013
Location U Urban l2sJ Suburban U Rural Predominant Single family housing Present land use % Land use change
Built up 00 Over 75% o 25-75% 0 Under 25% occupancy PRICE AGE One family 50% o Not likely o Likely
$ (000) (yrs)
Growth rate o Rapid 00 Stable o Slow 00 Owner 70 Low New 2-4 family 5% 00 In process
00 Increasing o Stable o Declining o Tenant --
Property values 200+ Hiqh 100 Multi-family 0% To: Residentiall
Demand/supply 0 Shortage 00 in balance 0 Over supply M Vacant(0-5%) Predominant Commercial 30% Commercial
Marketina time n Under 3 rms. rx1 3-6 mos. n Over 6 mos. Vacant (over 5%) 110 80 Vacant ) 15%
Note: Race and the racial composition of the neighborhood are not appraisal factors.
Neighborhood boundaries and characteristics: Subiect is bounded on the north by 1-81; on the east by Rt.114' on the south bv Rt.641'
. and on the west bv New Kinaston.
.
. Factors that affect the marketability of the properties in the neighborhood (proximity to employment and amenities, employment stability, appeal to market, etc.):
. SubiectQroperty is located in the small village of Hogestown with both residential and commercial usaae surroundina a solit
.
.. in State Route 11. with two lanes of one-way traffic movinq east and west. There are homes both detached and attached and
businesses within this neiqhborhood. Shoppinq and other amenities are within walkinq or short drivina distance. School
system is Cumberland Valley District and school complex is within one mile. SMSA 42-3240.
Market conditions in the subject neighborhood (including support for the above conclusions related to the trend of property values, demand/supply, and marketing time
- - such as data on competitive properties for sale in the neighborhood, description of the prevalence of sales and financing concessions, etc.):
Prooertv values are currently stable with an averaqe marketinq time of 80-100 days. Economic trends and lendina rates have
remained favorable. Sales concessions occur infreauently. There are new homes under construction in surroundina
developments as well as resales available in the neiahborhood.
. Project Information for PUDs (If applicable) - - Is the developer/builder in control of the Home Owners' Association (HOA)? U YES [-.l 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 See leaal descriotion/tax mao- * two tracts: 0.13+/- & 0.14+/- Topography Level to slopina
Site area 0.27 Acre M/L Corner Lot 0 Yes 00 No Size Tvoical for area
Specific zoning classification and description Villaqe Shape Rectanaular
Zoning compliance 00 Legal 0 Legal nonoonforming (Grandfathered use) U Illegal o No zoning Drainage Aooears adeauate
Hiahest & best use as imoroved: rXT Present use n Other use (explain) View ResidentiallHiahwav
Utilities Public Other Off.site Improvements Type Public Private Landscaping Tvpical
Electricity 00 60 Amo Street Asphalt 00 0 Driveway Surface Gravel
Gas 0 Curb/gutter Concrete 00 0 Apparent easements None Apparent
Water 00 Sidewalk Concrete 00 0 FEMA Special Flood Hazard Area [J Yes 00 No
Sanitary sewer M Street lights Adequate 00 R FEMA Zone C Map Date 5/2/1983
Storm sewer Alley To rear tx1 FEMA Map No. 420370A
Comments (apparent adverse easements, encroachments, special assessments, slide areas, illegal or legal nonconforming zoning, use, etc.): There are no
apparent adverse easements. encroachments or other adverse conditions. * Village zoning requires 60' frontaae for sub-
division of tracts current frontaae appears to be insufficient for alterina oresent use.
GENERAL DESCRIPTION EXTERIOR DESCRIPTION FOUNDATION BASEMENT INSULATION
No. of Units One Foundation Stone Slab None Area Sq.Ft. 728 Roof 0
No. of Stories Two Exterior Walls Frame 0'a>M Space P a rti a I % Finished 0% Ceiling 0
Type (Det./Att.) Detached Roof Surface Shingle Basement Full Ceiling Unfinished Walls 0
Design (Style) 2 StOry Gutters & Dwnspts. Galvanized Sump Pump None Walls Stone Floor 0
Existing/Proposed Existina Window Type DoubleHuna Dampness None Obs. Floor Concrete None 00
Age (Yrs.) 100 Yrs+/- Storm/Screens Existina Settlement None Obs. Outside Entry Yes Unknown 0
Effective Aae Yrs.) 20-25 Manufactured House No Infestation *
. ROOMS Foyer Livina Dininq Kitchen Den Family Rm. Rec. Rm. Bedrooms # Baths Laundry Other Area Sa.Ft.
. Basement Area
Levell 1 1 1 .5 Bonus 868
. Level 2 3 1 Bonus 868
.
. Finished area above arade contains: 8 Rooms; 4 Bedroom s\; 1.5 Bath(s); 1,736 Sauare Feet of Gross Livina Area
. iNTERIOR Materials/Condition HEATING KITCHEN EQUIP. ATTIC AMENITIES CAR STORAGE:
Floors HardwoodlVinyl Type BBHW Refrigerator 0 None 0 Fireplace( s) # 0 None 0
00 00 - 00
. Walls Plaster/Panel Fuel Oil Range/Oven Stairs Patio Concrete Garage # of cars
Trim/Finish Wood ConditionAveraqe Disposal 0 Drop Stair 0 Deck 0 Attached
Bath Floor Carpet/Vinyl COOLING Dishwasher 0 Scuttle 0 Porch Two 00 Detached 1
Bath Wainscot Plaster/Panel Central None Fan/Hood 00 Floor 00 Fence 0 Built-In
Doors Wooden Other None Microwave R Heated R Pool R Carport
Averaae-Fair Condition Condition N/ A Washer/Dryer Finished Drivewav 2/Gravel
Additional features (special energy efficient items, etc.): Detached frame qaraqe with workshop in averaqe condition at rear allev: small
aluminum shed in Door condition qiven no additional value in this report.
Condition of the improvements, depreciation (physical, functional, and external), repairs needed, quality of construction remodeling/additions, etc.: Imorove
ments are in averaqe to fair condition with no functional inadeauacies apparent. * Evidence of interior termite damaae in
livina room f1oorina: roofina on rear at the end of it's useful life, interior ceilings have collapsed in both first and second floor
. bonus rooms' kitchen/baths not recently up-dated' peeling paint on exterior frame some rotted wood at oorches and eves.
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 Yicinity of the subject property: No adverse environmental conditions are apparent/disclosed.
SUMMARY APPRAISAL REPORT
UNIFORM RESIDENTIAL APPRAISAL REPORT
Freddlo Moc Form 70 &-93
PAGE 1 OF 2
Ptoduc:ttd ualng ACI softw..e, 0Cl0 234.8727 WWW.&dweb.com
Fannie Mae Fmn 1004 6-93
Valua~lon Section
SUMMARY APPRAISAL REPORT
UNIFORM RESIDENTIAL APPRAISAL REPORT
File No 06-0235
ESTIMATED SITE VALUE . . . . . . .......... . = $ 35,000 Comments on Cost Approach (such as, source of cost estimate,
ESTIMATED REPRODUCTION COST.NEW OF IMPROVEMENTS: site value, square foot calculation and for HUD, VA and FmHA, the
Dwelling Sq. FI. @ $ = $ estimated remaining economic life of the properly):
.__,.__.~Sq.Fl. @$__ = Cost Approac,h [from Marshall/Swift Valuation Service
. -' handbook and local cost analvsisl was considered, but
. =
, GaragelCaIpori Sq. Fl. @ $ deell\ec:f_notc:rE!di~lf:!dl!eto thf:!ageof the
, =
, Total Estimated Cost New = $ improvements. Site value from Market Data.
.
Less Physical I Fu'n~t'~~i \. E~~~~I' . Est. Remaining Econ. Life: Depreciation based on aae/life observed condition. and
. Depreciation = $ Market Data Analvsis. Estimated remaininQ Economic
Depreciated Value of Improvements . . . ...., . -.. . = $ \ Life is 25-30 years.
'As-is" Value of Site Improvements. . . ........ - ..... . = $ - ~
INDICATED VALUE BY COST APPROACH. . .. . . = $
--.--JIEM I SUBJECT COMPARABLE NO.1 I COMPARABLE NO.2 I COMPARABLE NO.3
I
6608 Carlisle Pike 6605 Carlisle Pike 293 North Locust Point Rd 22 East Simpson Street
Address SilverSpring-Mechanicsbu SilverSpring-Mechanicsbura Silver S~ring-New Kingstown Mechanicsburg
---_.-~_.
ProximMv to Subiect 0.24 MI E 2.3 MI WSW 2.8 MI SE
Sales Price $ N/A $ 111,000 $ 100.874 $ 83,000
PricelGr= Liv Ne:J $ 0.00 rtJ, $ 57.81 rtJ $ 86.74 W $ 54.04 e1)
Data and/or I Inspection
v.€If1fica'--~_~()urces,_~H~_________ rMLS(Co.urthouse Record~.____ MLS/Courthouse Records ~/Courthouse Records
VALUE ADJUSTMENTS DESCRIPTION DESCRIPTION I, ( ) $ Mjustonent DESCRIPTION I + (l $ Mjuslment DESCRlPTiON-~~ l $ ".dj'~'m.nt
Sales or Financing N/A Clsg.Csts/Repair : -16,000 Clsg.Csts/Conv , -3,947 None, Cash
,
Concessions DOM 242 , DOM 21 DOM 45
,
---'--....---- . ,
Date of SalefTime N/A 7/05 8/05 , ,5/05 ,
, , ,
Location Suburban Averaae , Averaae , Superior 20% -17 000
L~eeSf11lle Fee Simple Fee Simple , Fee Simple , Fee Simple ,
,
--
Sije 1,.0~~~~TI--+1..~t1Avg ...l:.1.~l~_~.1QQ.<!' !::~AvjL.u_~]-----:_~___~QOO Lotl~~g_lQ~l__~____~.QOO
._--_..~._. -_.-
View Busy Highway Busv Hiahway : Resid/Comm. : -10,000 Busv Street ,
~sign an_d~eE!al 2 Sto!}'/Fair 2 Story/Ava , -5.000 2 Storv/Avg , -5.000 2 Storv/Avg -5,000
~
~iy cJ Coostrudm Avg{f.!ame Ava/Brick -4,000 Ava/Aluminum , Ava/Aluminum ,
, ,
!I~ 100 Yrs+l- 100 Yrs+/- , 75 "frs 69 Yrs
, :
Condition Average/Fair SUDerior 20% -22,000 SUDerior 20% , -20,000 "As Is" 5% -4.000
, ,
Above Grade T~~~_,:. ,_~~~g :.__ Baths Tot~1 :___~_~rrt~. ~ Baths , _-r~l :,~~~__~ _ Bath> , !~al :__B~~!J1S _ ; Baths ,
: :
. Room Count 20 8: 4: 1.50 7: 4: 2.00 : -1,000 5: 2: 1.00 : 1,000 7: 3: 1.00 . 1,000
Gross Living Area 1.736 SQ.Fl. 1.920 SQ.Fl. , -3 700 1.163 Sq.Ft. , 11 500 1 536 Sq.Fl. , 4000
. , , ,
Basement & Fnished Full Bsmtl Full Bsmtl , Partial Bsmtl , Full Bsmtl ,
. , ,
R~oms Below Grade \ Unfinished Unfinished , i Unfinished , ;
Unfinished
, Fundional Utilitv Average Averaae , 2 Bedroom , Averaae
. , , 2.000 ,
, ,
Heatina/CooIina OHW/None OFHAlNone OFHAlNone o HW/None ,
. Enerav ElIicient tlems I T voical Tvoical I Tvoical I Tvoical
: ,
GaraaelCalllort 1 C GarlWkshp 2 Car Garaae -3,000 2 Car Gar/Loft -4,000 1 Car Garage , 0
, , ,
Porch, Patio, Deck, I Porches Patio , 1,000 Patio/Fencing : 0 Porches 0
. ,
Fiteolace(sl, etc. ,
, :
Fence, Pool, etc. None None , None None ,
, , ,
,
------- , , ,
r 'I + rx-I. , r -I + Ixl. T T+ rxl -
Net Adi. (lotal) :$ 51 700 '$ 26 447 :$ 18000
Adjusted Sales Price Gross: 52.0% Gross: 58.9% Gross: 41.0%
of Comoarab!e Net -46.6% $ 59 300 Net: -26.2% $ 74,427 , Net: -21.7% $ 65,000
Comments on Sales Comparison (including the subject properly's compatibility to the neighborhood, elc. ): All com parables are similar in style to the
~~bject propertv. are verified closed sales and are the best currentlv available. Surplus land adiusted @ $15 OOO/acre.
Comparable sale #3 was a HUD-owned property, sold "as is" after repossession, has since transferred after renovation for
$129000. Ranae of value is $59.000 to $74.000.
.----------.---,------:: I ----~. \ ,
ITEM i SUBJECT COMPARABLE NO.1 COMPARABLE NO.2 COMPARABLE NO.3
Date, Price and Data I 9/18/2003 1/04,9/04,11/04
Source for prior sales , None $39,000 None $1.00/$1.00/$1.00
wihil year of avoraisal I CHR Courthouse Records Courthouse Records Courthouse Records
Analysis of any current agreement of sale, option, or listing of the subject properly and analysis of any prior sales of subject and comparables wilhit one yearoflhe dale of appraisal:
No}urther .r~corded trans1ers within three years were found. -~--_.~~.
1---------
INDICATED VALUE BY SALES COMPARISON APPROACH. . . . . . . . . . . . . . . . . . . ........ . . . . . . . . . . . . . . . . . . . . . . . . . . $ 65.000
. INDICATED VALUE BY INCOME APPROACH "' e\ Estimaled Market Rent $ N/A /Mo. x Gross Rent MuRDlier N/A -$ N/A
This appraisal is made 00 'as is" U subject 10 the repais, aflerations, ilspections or conditions listed below U subject io completion per plans ;lnd spec1ficaiions.
Conditions of Appraisal: The property has been aODraised in current condition. This appraisal is for client onlv. nontransferable. See
a!f~(;t!..ec!..~~dend.!!rn-"-...._______~_...___._,______ -----..,---------.------
Final Re(:ooc~;atior1. )!1arket Analysis consistentIY"!!'~I;)2!~S my estimated market value. Cost Approach and GRM analysis were .-
~~ inappropriate for this analysis. Greatest weight is applied to the Market Data Analysis. SUDoortinQ file information
. substantiates these estimates.
. The purpose of this appraisal is to esiimate the markel value of the real property Ihat is Ihe subject of Ihis repori, based on Ihe above conditions and the c.NlificallOl1, COllingei'll
and lim~ing cond~ions, and market value defll'laion thal are staled it the attached Freddie Mac FOOlI439/Fannie Mae F00lI1004B (Revised 6/93 ).
I (WE) ESTIMATE THE MARKET VALUE, AS DEFINED, OF THE REAL PROPERTY THAT IS THE SUBJECT OFTHlS REPORT, AS OF 5/18(2006 roODl
· (WHICH IS THE DATE OF INSPECTION AND THE EFFECTIVE DATE OF THIS REPORT) TO BE $ 65,000 1F .
. 'PPRAJSER~ SU~~~(oty .REoo2J7 o Did lX)Oid Not
S'lInature . 1 I Slgnat re ' / ----
Na~~-Cass~mdra ~ Cro~~ett . . Name Steven W. Barrett~ SRPA, SRA Inspec! Property
Date Report Signed 06/19/2006 Date ReDort Sioned 06/19/2006
Stale Certification # RL-001348-L Slale PA State Certification , GA-000298-L State PA
Or State License # state Or state License # RB-026921-A State PA
F~\eMal;F(I1!llll &-93 Certified Residential PAGE20F 2 Ce I ",I...... """,neral Appraiser Fa.... Mae F..-m 1004 6-93
Appraiser
_IIIIrvACI_.800.234.1727.......-._
S.W. Barrett Real Estate & Appraisal Services
.~
------~--~._~.._---- -----_.._-.---~_._-----_._.__.---~~-~-~-_._~~-_.~.__.-~
UC Address 60 West PomfretSt~t, C~rlisle. PA 17013
Appr Address
SKETCH/AREA TABLE ADDENDUM
Case No
~~pe~ Ad~~e~ ~~08 Ca~~sle~k~_____.____. ___
c;ity. Mechanicsbllrg
Borrower Estate of Ethel Loscher
Lender/Client Irwin_& "":i<!"J_{lht
i\pprais.erName Cassandra J. Crockett
File No 06-0235
County Cumberland
State PA
. ZiP. 17060
14.0'
Porch b
b 0 Patio b
0 bonus room ~ M
140'
6.0' 80'
~
<:> bonus room Porch b
Bath ,..;
Bedroom 6.0' 8.0'
b --'- ~ .5B.
W
. '"
Kifr.hATl
Bedroom Bedroom Bedroom
b __L--
W
'"
28.0' Living Room
2nd Floor
28.0'
Comments:
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Cod..
-- AREACALCULATlONS-SUMIV1ARY To,.a-,"s---' ---1
Description Si~e
F1rst Floor 868.00 l
Second Floor 968.00 r---1136"0~ '
Porch 56.00
Porch 140.00 I
PaUo 104.00 300.00
Scale :
~-- ----LiViNG-AREA S-REAKDOWN--
Bn!akdown Subtotals
F1rst Floor
10.0 x 14.0 140.00
26.0 x 29.0 729.00
Second Floor
GLAl
PIP
10.0 x
26.0 x
14.0
29.0
TOTAL LIVABLE
1736 .....J
4 Areas Total (rounded)
(rounded)
A~E)( SoFTWARE 800-11511-9958
1 = 10
140.00
729.00
1736
~xe'OO-w~.xll
.......g"'s:'-', rRUrCM; I , rnv I v AUUt::NUUM
Borrpwer: Estate of Ethel Loscher
pro~ Address: 6608 Carlisle Pike
CitLMec,;hanicsburg
Lender: Irwin & McKniaht
State: PA
File No.: 06-0235
Case No.:
Zip: 11050
FRONT VIEW OF
SUBJECT PROPERTY
Appraised Date:
Appraised Value: $
REAR VIEW OF
SUBJECT PROPERTY
STREET SCENE
Borrower: Estate of Ethel Loscher
Property Address: 6608 Carlisle Pike
City: Mechanicsburg
Lender: Irwin & McKnlaht
File No.: 06-0235
Case No.:
State: PA
Zip: 17050
shed
garage/workshop
rear alley
v"",.w.rn",,,gl.l; r"urr:l"\ I . r-nu I v AUUI:I1UUM
Borrower: Estate of Ethel Loscher
Property Address: 6608 Carlisle Pike
City: Me<;hanicsburg..
Lender: Irwin & McKni ht
State: PA
1-- ..
File No.: 06-0235
Case No.:
. ZiP": 17()!iO
COMPARABLE SALE #1
6605 Carlisle Pike
Mechanicsburg
Sale Date: 7/05
Sale Price: $ 111,000
COMPARABLE SALE #2
293 North Locust Point Rd
New Kingstown
Sale Date: 8/05
Sale Price: $ 100,874
COMPARABLE SALE #3
22 East Simpson Street
Mechanicsburg
Sale Date: 5/05
Sale Price: $ 83,000
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LOCATION MAP
Borrower: Estate of Ethel Loscher
Pr~rlY~ddress: 6608 Carlisle Pike
~iJY~J'l1echanicsburg
Lender: Irwin & McKni ht
File No.: 06-0235
Case No.:
State: PA
Zip: 17050
0\~ .
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Prepared by Steven W Barren RE Appr Svc. (717) 243-6546
ID Address Date
Price RM BR Bath SqFt Proximity
N!A 8 4 1.5 1736 0.00 MI
111000 7 4 2 1920 0.24 HI E
100874 5 2 1 1163 2.3 MI WSW
93000 7 3 1 1536 2.9 HI SE
S
1
2
3
6608
6605
293
22
CARLISLE PIKE
CARLISLE PIKE
N LOCUST POINT
E SItofPSON ST
N!A
7/05
RD 8/05
5/05
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File No. 06-0235
-,
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********* QUALIFICATIONS *********
The following checked items are SPECIFIC SPECIAL CONDITIONS that were identified by this appraiser during the
inspection of the subject property, the com parables sales, and their neighborhoods and locations. Unless otherwise
noted, the conditions that apply to the subject property or the comparable sales used DO NOT AFFECT THE MARKET
VALUE OR THE FUTURE MARKETABILITY OF THE SUBJECT PROPERTY BEING APPRAISED. This is not a home
inspection service. This is an appraisal to estimate market value.
_1. The subject is located in a rural area and is less than 25% built-up.
_x_2. Commercial/Industrial uses are located within the subject's neighborhood. These uses are typical of similar
neighborhoods.
_x_3. Vacant and undeveloped land uses are located within the subject's neighborhood. These uses are typical for
the area.
_4. The predominant value in the neighborhood is less than that of the market value of the subject property. This
is due to the very wide range of value of properties in the area and superior quality of the subject property.
_5. The subject property is located in a F.E.M.A. Identified Flood Zone. Flood insurance coverage is required and
suggested.
_6. Dampness is noted in the basement of the subject. Standing or running water was not present on basement
floor. This condition is considered typical in dwellings of this style.
_7. The subject property is serviced by private well and/or septic systems which is common for the area.
_x_8. The subject is older than five(5) years. All mechanical systems including the heating, electrical and plumbing
systems appear upon a visual exterior inspection to be in working order. No warranties are implied in this statement.
_9. Repair items were noted in the comments section of the report. These comments on repair items are for
descriptive purposes only and are not required repairs. The items listed are cosmetic in nature.
10. The basement floor is a dirt floor. This condition is common and typical for the area. and does not pose a
health or safety hazard.
_11. The subject property does contain functional obsolescence as noted in the report. This condition is
considered typical and common for the area and this style dwelling.
_X_12. The land value exceeds 30% of total value due to the high demand for vacant land in this neighborhood. This
condition is considered common and typical for the neighborhood.
13. The land value exceeds 30% of total value. This is due to the large size of the site. This condition is
considered to be typical and common.
_14. Individual adjustments were required that exceed 15%. These adjustments were required due to lack of more
similar com parables on that individual rating. All com parables used are the best available.
_x_15. Total adjustments exceed 25%. This is due to the lack of comparable sales that were more similar in the
subject's market area. All com parables used are the best available.
_x_16. One or more comparable sales are older than six(6) months. Although there are comparable properties in the
subject's area, none have sold recently; therefore, sales in excess of six(6) months have to be used. All com parables
used are the best available.
_x_17. One or more com parables used were in excess of one (1) mile from the subject property. Although there are
comparable properties in the immediate area, none have sold recently. Therefore, it was necessary to use comparable
sales outside of the immediate area. All comparables used are located in similar neighborhoods and within the same
marketing area. All com parables used are the best available.
_18. The electrical system was not connected during inspection.
19. The water service was not connected during inspection.
20. The heating system was shut down during inspection.
_21. Roofing_Plumbing_Electrical_Heating_certification(s) is/are suggested.
22. Inground swimming pool_, out buildings_are included_,not included_according to lender's
guidelines.
_23. According to lender's guidelines a maximum of_acres were considered for this valuation. Remaining
acreage was given no value.
L
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File No 06-0235
,
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********* QUALlFICA liONS *********
I:
Ii _24. The subject property is located on a private road.
I,
_25. Wood infestation inspection is suggested.
,
x 26. Last recorded deed transfer: Date_9/17/1975_, Consideration: $4,500 [adjacent tract].
_28. Seller is paying part or all of closing costs.
:
:
i
I
.
_27. Proposed construction/renovation in accordance to plans and specifications to be completed in a workman-like
: manner.
_x_29. All comparable sales are verified closed sales.
_x_30. There are no special conditions or other requirements that would affect market value or future marketability in
the Appraisal Report.
CHECKED ITEMS ARE SPECIFIC SPECIAL CONDITIONS THAT WERE IDENTIFIED BY THIS APPRAISER DURING
INSPECTION.
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File No. 06-0235
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********* QUALIFICATIONS *********
Confidentiality and Security Policy
Ii
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We consider privacy to be fundamental to our relationship with clients. We are committed to maintaining the
confidentiality, integrity and security of clients' personal information. Internal policies have been developed to protect
this confidentiality, while allowing client needs to be served.
We restrict access to personal information to authorized individuals who need to know this information to comply with
federal standards to protect your non public personal information. We do not disclose this information about you or
any former consumers or customers to anyone, except as permitted by law. The law permits us to share this
information with our affiliates. The law also permits us to share this information with companies that perform
marketing.
I
.
When we share nonpublic information referred to above, the information is made available for limited purposes and
under controlled circumstances. We require third parties to comply with our standards for security and confientiality.
We do not permit use of consumer/customer information for any other purpose nor do we permit third parties to rent,
sell, trade or otherwise release or disclose information to any other party.
Education
As of the date of this report, I and/or Steven W. Barrett, SRPA, SRA, have completed the requirements under the
continuing education program of the Appraisal Institute.
I
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File No. 06-0235
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 area; these costs are readily identifiable since the
seller pays these costs in virtually all sales transactions. Special or creative financing adjustments can be made to the comparable property
by comparisons to financing terms offered by a third party institutional lender that is not already involved in the property or transaction. Any
adjustment should not be calculated on a mechanical dollar for dollar cost of the financing or concession but the dollar amount of any
adjustment should approximate the market's reaction to the finanGing 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 hazardous
wastes, toxic substances, etc. ) observed during the inspection of the subject property or that he or she became aware of during the normal
research involved in performing the appraisal. Unless otherwise stated in the appraisal report, the appraiser has no knowledge of any hidden
or 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
Page 1 of 2
Fannie Mae Form 1004B 6-93
File No. 06-0235
APPRAISERS 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 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 the
estimate of market value in the appraisal report on the race, color, religion, sex, handicap, familial status, or national origin of either the
prospective owners or occupants of the subject property or of the present owners or occupants of the properties in the vicinity of the
subject property.
5. I have no present or contemplated future interest in the subject property, and neither my current or future employment nor my
compensation for performing this appraisal is contingent on the appraised value of the property.
6. I was not required to report a predetermined value or direction in value that favors the cause of the client or any related party,
the amount of the value estimate, the attainment of a specific result, or the occurrence of a subsequent event in order to receive my
compensation 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 appraisal report, he or she certifies
and agrees that: I directly supervise the appraiser who prepared the appraisal report, have reviewed the appraisal report, agree with the
statements and conclusions of the appraiser, agree to be bound by the appraiser's certifications numbered 4 through 7 above, and am taking
full responsibility for the appraisal and the appraisal report.
ADDRESS OF PROPERTY APPRAISED: 6608 Carlisle Pike, Mechanicsburg, PA 17050
SUPERVISORY APPRAISER (only if required)
~ 0 ~ -"--'
Signature: ::.::> .-:-~ --- I I
Name: Steven W. Barrett, SPA, SRA
Date Signed: 06/19/2006
State Certification #: GA-000298-L
or State License #: RB-026921-A
State: PA
Expiration Date of Certification or License: 06/30/2007
APPRAISER:
J '~~) -It.
Signature: (;}4J-<I'K~~L1 2 .'./<K'JJ." /
Name: Cassandra J. Crockett
Date Signed: 06/19/2006
State Certification #: RL-001348-L
or State License #:
State: PA
Expiration Date of Certification or license: 06/30/2007
o Did 00 Did Not Inspect Property
Certified Residential Appraiser
Freddie Mac Form 439 6.93
Certified General Appraiser
Page 2 of 2
Fannie Mae Form 100486.93
~.~ Citizens Bank
Account Number 6100700259
Account Title PAUL LOSCHER OR ETHEL LOSCHER
Date Opened 6/6/1966
Account Type Checking
Principal Balance as of DaD $899.87
Interest from Last Posting to DaD $ .00
Account Balance as of DaD $899.87
YTD Interest to DaD $ .00
I!M&TBank
499 Mitchell Road, Millsboro, DE 19966 Mail Code DE-i\1B-12
Phone 1888) 502-4349
Fax (302) 934-2955
June 7, 2006
Law Offices
Irwin & McKnight
West Pomfret Professional Building
60 West Pomfret Street
Carlisle, Pennsylvania 17013-3222
r"~ ~~':'F'
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Re: Estate of' Ethel A'I Loscher
Social Security: 177-2-1-7055
Date of Death: 1vlav 18, 2006
[\ I'
Dear Sir or Madam:
Per your inquiry dated May 30, 2006, please be advised that at the time of death, the above-named decedent had on deposit
with this bank the following:
I.
Type of Account
Checking Account
Account Number
37-+1375343
Ownership (Varnes oj)
Ethel 1),f Loscher *
Opening Date
05/08/00
Balance on Date of Death
$./73.07
Accrued Interest
$ 0.00
Total
$<17]07
2.
Type of Account
IRA
Account N1Imher
03500<1200297312
Ownership (l'lames oj)
Ethel J'v! Loscher *
Afichael R Loscher, Beneficiary *
Opening Date
12/13/99
Balance on Date of Death
$103,<152.75
Accrued Interest
$ 1,5<11.31
Total
SIN9W,06
Please be advised, there was no safe deposit box found for the above decedent. * For further account information,
regarding ownership, closures and/or reimbursement of funds, etc., please call the Carlisle Pike Office # 717-795-
1710.
Sincerely,
'f2417l!~/;x:~
Nancy Clagett
Records Management
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IN RE: ESTATE OF ESTHER S.
\"AGGONER, LATE OF THE TOWNSHIP
OF SILVER SPRING, COUNTY OF
CUMBERLAND AND STATE OF PENNSYL- ::
VANIA, DECEASED.
. .
. .
IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY, PENNSYLVANIA.
ORPHANS' COURT DIVISION
. .
. .
: :
n
NO.
ADJUDICATION AND DECREE AWARDING REAL ESTATE
AND NOW, this
Y.' -"I
',' day of
,.
- )) J\ ,~ '" i \
,
~ ,"
, 1972, at
-:.
o'clock,
1/ M., Eastern Standard Time, no objections having been
presented to the First and Final Account and Statement of Proposed
Distribution of Dorothy C. Waggoner, Administratrix of the Estate of
Esther S. Waggoner, deceased, within the time fixed by the Rules of
Court, said Account is hereby confirmed absolutely and the Schedule
~
I
..J\
,
of Proposed Distribution is approved and distribution is awarded in
.......
~
".
accordance therewith.
IT IS FURTHER ADJUDGED AND DECREED that the Real Estate described
follows, be distributed in Kind, to wit:
all THAT CERTAIN tract of mountain land situate in the
Township of Silver Spring, County of Cumberland and State
of Pennsylvania, more particularly bounded and described as
.follows:
BEGINNING at a pile of stones at line of George Duffy; thence
:t North along lands of the McCormick Estate 20 degrees West, 50
'C rods to stones; thence West along the same, 50.7 rods to a
point; thence South 03 degrees West along land formerly of
'Frank Stokes, 44.3 rods to a point at line ot lands of Joseph
"Conrad, thence South 84 degrees 30 minutes East along lands
of Joseph Conrad and D. Zimmerman, 47.1 roda to a stone; thence
along lands of George Dutty North 84 degrees 45 minutes East,
. 18.8 roda to stones, the place of BEGINNING. CONTAINING
16 acres and 158 perohes.
ETHEL M. LOBCHER.
''";\~ \\ \H H' Uti, /J..
\' '" ,,' V'''': b ....(1
"")(~X~~#' ;.;-: ','(,
A TRUE C01'1 FROM' RECORD
In Testimonj "'ih':-,)f, l ~~(~reu,'h.) set my 1-@\1@
and the sea~ 0: s,:.: ,". ~ .~{ Carlisle, Pg,
.... tl ". . '.! ~\
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': D' ._-~ . .J'
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r CWr.l<.ot tJHll Orphrms {;.ooff
j Cf f .t;,., :"~.C.uf'!1berl~A~ r,6l.iffly
~,
nEING the 8~e premises which Joseph M. Conrad and wife, by
their Deed dated August 1, 1939 and recorded in the Cumberland
County Reoorde~ts Offioe in Deed Book "An, Volume 12, Page 221,
granted and con1feyed unto George A. Waggoner and Esther S.
Waggoner, his wite. The said George A. Waggoner died October
15, 1966 survived by his wite, Esther S. Waggoner in whom
sole title to said premises vested; ~r
Ii ! ::e
and the same is hereby AWARDED to DOROTHY C. WAGGONER_~\\k~~i
J. %"'::o\"l'l
~".",,;:tl<:;)o
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By the Court,
JS (
J
(' L :J/\l" P [1.\ ,..R.n l <.
J.
~:1GK/Y24r^GE' 597
Myers Funeral Home, Inc.
Boyd L Myers Jr., Supervisor
37 East Main Street
Mechanicsburg, Pennsylvania 17055
(717) 766-3421
Fax (717) 795-7291
A standard of excellence in Central Pennsylvania since 1910
Saturday, May 20, 2006
Mr. Michael R. Loscher
13 Yellowbreches Road
Carlisle, Pa. 17013
Dear Mr. Losch'2r.
Thank you for selecting our funeral home to provide services for your family during your bereavement. I
hope that you found our services to be of the highest standards and that they met your needs and those
of your family and friends.
The following is a summary of the service charges as previously explained and provided in written form
and herein indicated as PAID-iN-FULL.
Ethel M. Loscher
SUMMARY OF EXPENSES
TOTAL OF SERVICE RENDERED
LESS: Credits granted
LESS: Total Payments
CURRENT BALANCE
$11,490.00
1,89000
9,600.00
$0.00
Credits Granted: $195.00 Early Pay Discount $1,695.0 Package Price Discount
If there are any questions or concerns that remain unanswered, please call me.
Sincerely,
A/~V
Billing Statement
LOSCHPR.01
MELLON BANK, N.A.
COMMONWEALTH REGION
PO BOX 3719&1
PITTSBURGH PA 15250-7981
800-537-5591
@
HOME EQUITY PCL
06
-. -A<<:ount'N~~b;[H:.1~;'.\ "'-'aO~hgO~t~~~,t;;~f?;;j:'.;:'l'~f~yOlEi~;~eD~t~:. .....
0275.040096-553 06/29 07/20
.', "'c;.lII1lnilllumPaymenfDue
$393.45
To assure prompt credit to your account. return this part of the statement with your payment.
PAUL R LOSCHER
ETHEL M lOSCHER
660& CARLISLE PIKE
MECHANICSBURG PA 17050-1706
$ 1/ bfJeJ.2--8
Amo6nt Enclosed
040096553 0275 000039345
Please indicalw any change of address above
1. 2.
Signa..... of account hoIder(s) (Must be signed or address change cannot be processed)
~': ".........-"___...,..;_,..~__',"':-,..,..,_F'-.-..:'_..-""'?:,-;"'-....._,....."....---..~,.-....___.. ,'--~ ,--.--.....---.... ;...._.:"..... .....,. :.~..'_"':: ....-. _,_no :
....~,.Voiir f.1ii1i~lg;~tat~flfi2fjJ"'~'~HOME 'EQUI TY" rei'
ACCOUNT NUMBER BILLING PERIOD ENDING
0275.040096-553 06/29/06
F(L~: !;!QUI;~iES .:.-...._ 0.; ,,~, . -,- -_.
LINE AMOUNT AVAILABLE TO BORROW
$0.00 $0.00
FOR PERIOD 0S/31 - 06/29
YOUR PREVIOUS BALANCE
LESS PAYMENTS RECEIVED
PLUS NEW BORROWINGS +
~~ FINANCE CHARGE ~~ +
(PERIODIC INTEREST)
LATE CHARGES ASSESSED +
ENDING BALANCE
$1l,526.33
$0.00
$0.00
$&2.62
$6.tl5
$1l,615.40
r-------. -....... ' ""-'-~~~~' .,R ""."',.,,,,, - -,.,.,..<-~
~ MICHAEL R LOSCBEIt I I. 54 2 'I
l.,,' L MELlSSASWSCHER DATE 7 i,&/<Jb '
13 W YELLOW BREECHES RD
CARUSLE PA 17013 1lO-IOIJltI2313 "
, ~
I ~bl1lii:E rvlELL.OrJ 13N./lL I ;). Ii. 1$ 11)680. V3 I
, I ~ I
I G~~jiif::~:$:~O;; ;2: I ;;~;~~:~~~~e
~ n
l_ I:~ 2 ~ · ~~~8 ,~ q q ? ':~.~=~~::~~~~..~~= 0 ~~~~~~1!i~~~~~~=1
@
~~~
UNDER
AMOUNLPAST DUE + FIN CHGIlUE +
$258.00 $82.62
+ . LATE CHARGE
$46.38 $6.45
AMOUNT DUE
$393.45
TUJ:: nATIV DATa:' APPITl=n Tn vnllD Af'f'nIlUT MAV uaDV
TUF pF:DTnnTf' DATF IIC:Fn Tn f'nMPIITF vnllD
.or
~#" CARlisLE
REGIONAL 45 SprInt Drive
M c DIe ^ LeE N T E R CluIlsl8. PA 17013
ADDRESS SERVICE REQUESTED
PATIENT ACCOUNT STATEMENT
..7UZ 85IIIIA 880411R
IF PAVING BV CREDIT CARD, FlI..L OUT BELOW AND SEa REVERSE SlOE
CHECK CARD USING FOR PAVNEHT
~O .0 . I'ISK.. ;0
......... IolASTERCARO DISCOVER ~; VISA
ACCOUNT NO. SfAT1!IIII!MT DATE BALANCE DUE
06126/2006
9338360 06/12/2006
_...""\'! r' _ ~
. . . ..\ .... ." " .. . ....
MAKE CHECKS PAYABLE TO:
LOSCHER, ETHEL
6608 CARLISLE PIKE
~ MECHANJCSBURG PA 17050
'"
J '" III... J II.. ..1. J .11... iJ .111.,.11 I ....11..11... I iJ I.. J.J.'
CARLISLE REGIONAL MEDICAL CENTER
246 PARKER ST.
P.O. BOX 4100
CARLISLE PA 17013-4100
11I.lUu.III'II...II..II.IIIIII.I..III1"IIIIII'IIII...IIII.1
o Please check jf above address is incorrect and indicate change on reverse sida.
TO INSURE PROPER CREDIT, DETACH AND HEWRi. THIS PORTiON iN THE ENCLOSED ENVELOPE,
-...- .-'-~-'- ~ - - -
PATIENT /'JAME
lOSCHER. ETHEL
DATE
ATIENT ACCOUNT NO. DATE OF SERVICE TYPE Of SERVICE
9338360 05/04/2006 INPATIENT
DESCRIPTION
TOTAL CHARGES
122.551.96
PAYMENT/ADJUSTMENT3
.~..
114,688.95-
6,911.01-
06/09/06 MEDICARE CONTRACTUAL ADJUSTMENT
06/09/06 MEDICARE PAYMENT
-----==-
fO cBAEL II LOSCBE:
~ L ~ISSA S lHO:~ares RD
\ ~A 11013
\ ~ t:rs- '"
\ iJo"o~:/~~ f
! \~, BE\..CO 88~:~.r
~'. H,-,,' . ~ eRE.... %32-S528
l'l -.- (1~ 1142.4482
"~-'''..,{ Q
I 1>1 '~
1\
7'/2-- J()L -
OATE~
lIO.Q099I23' 3
$ tf&j'2,-"OO
A ~.
OOu>-RS l!J \\';;:~,
ala ,baaa 1.,,- .""~=, ~'~"'1"l!Il!~r
00 ..~
.~-~'>-
$952.00
l'.A.EJ..o\O
,. C 31. 3BOQq 11:
. -
. ..::, , un mis statement is outstanding at
, LlUS tIme. Your prompt payment will be greatly
appreciated.
FOR SIWNG QUESTIONS, PLEASE CALL:
(717) 960.1680
_ --~ 06/26/2006