HomeMy WebLinkAbout09-22-06
.
Elyse E. Rogers, Esquire
Identification No. 41274
Todd F. Truntz, Esquire
Identification No. 83302
KEEFER WOOD ALLEN & RAHAL, LLP
415 Fallowfield Road, Suite 301
Camp Hill, PA 17011
(717)-612-5800
INRE:
ESTAT~ OF DOROTHY K.
LAFFERTY, Deceased
IN THE COURT OF COMMON PLEAS
CUMBERLAND COUNTY,
PENNSYLVANIA
NO. 2006-0001.0
, : C)
ORPHAN'S:COURT DIVISION,~o
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PETITION BY EXECUTOR FOR LEAVE TO PURCHASE'j ;:~j 52
REAL PROPERTY PURSUANT TO 20 Pa. C.S.A. 6 3356::?5j~
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AND NOW, comes William J. Lafferty, Jr. (hereafter "Petitioner"), Execu~ ;~
of the Estate of Dorothy K. Lafferty, by and through his attorneys, Keefer, Wood,
Allen & Rahal LLP, to bring the following Petition by Executor for Leave to
Purchase Real Property Pursuant to 20 Pa.C.S.A. ~ 3356 (hereafter the "Petition"),
and in support thereof, avers the following:
1. Dorothy K. Lafferty, (hereafter "Decedent") died testate on December
29,2005 in Phoenix, Arizona.
2. Petitioner, son of the Decedent, was appointed Executor of Decedent's
estate by the Register of Wills of Cumberland County, Pennsylvania on January 13,
2006.
3. Petitioner desires to purchase real estate owned by the Decedent,
located at 3805 Lamp Post Lane, Camp Hill, Cumberland County, Pennsylvania,
17011, which is more fully described on Exhibit "A", attached hereto and made a
part hereof. This real estate was not specifically devised and falls into the residue
of the Decedent's estate.
1
..
4. In addition to the Petitioner, the parties in interest are Ann Zobrist,
Karen C. Lafferty, D. Colleen Lafferty and Maureen Zeplin, all of whom are sui
juris, all9fwhom are children of the Decedent and residuary beneficiaries of the
Decedent's estate.
5. Petitioner wishes to purchase the Real Estate for TWO HUNDRED
FIFTEEN THOUSAND AND 00/100 DOLLARS ($215,000.00).
6. "Petitioner desires to apply ONE HUNDRED TWENTY THOUSAND
AND 00/100 DOLLARS ($120,000.00) of Petitioner's interest in the residue of the
Decedent's estate to the purchase price. .,(
7. Petitioner proposes to pay the balance of the sale price, NINETY FIVE
THOUSAND AND 00/100 DOLLARS ($95,000.00) in cash to Decedent's estate.
8. All parties in interest consent to the proposed sale on the terms set
forth herein. Their consents are attached hereto and incorporated herein as
Exhibits "B" through "F".
9. There are no mortgages or other known liens of record, delinquent
taxes, water or sewer rents or judgements against the real estate.
10. The real estate is assessed for tax purposes at TWO HUNDRED
FOURTEEN THOUSAND THREE HUNDRED THIRTY AND 00/100 DOLLARS
($214,330.00).
11. Petitioner has obtained an apP!aisal from Brett Lechthaler, a
Pennsylvania Certified Residential Appraiser employed by Appraisal Solutions of
Mechanicsburg, Pennsylvania, which values the real estate at TWO HUNDRED
FIFTEEN THOUSAND AND 00/100 DOLLARS ($215,000.00). A true and correct
copy of the appraisal is attached hereto and incorporated herein as Exhibit "G".
12. Decedent's estate is sufficient to discharge all of its just debts,
administrative expenses, and taxes.
2
to
WHEREFORE, Petitioner requests that this Honorable Court issue an
Order granting leave to Petitioner to purchase the real estate for TWO HUNDRED
FIFTEEN THOUSAND AND 001100 DOLLARS, and permit the Executor to
execute and deliver a deed to the real estate to Petitioner, upon receipt of the
purchase price therefore in full.
Respectfully submitted,
KEEFER WOOD ALLEN & RAHAL, LLP
Date: September)' 2006
By:
'. ROgers, quir
Identi cation No. 41274
Todd F. Truntz, Esquire
Identification No. 83302
415 Fallowfield Road, Suite 301
Camp Hill, P A 17011
(717) 612-5800
Attorneys for Petitioner
3
.
VERIFICATION
I, WILLIAM J. LAFFERTY, JR., declare that I am the Executor of the Estate of
Dorothy K. Lafferty and hereby verify that the statements contained in the foregoing
Petition are true and correct to the best of my knowledge or information and belief. I
understand that false statements herein are made subject to the penalties of 18 Pa.C.S.A.
~ 4904, relating to unsworn falsification to authorities.
Dated: ~~=~ lOc ~
. - ~~tL
JR., EXECUTOR
4
EXHIBIT A
1'0... No. 87 -DBED FROM A CORPORATION. A<O lPOl.
IDqis JtWtnturt~
ashe tlJe 2 tf9 ~ day of .N1'~~Mk:,~ A. D. ODe tbouaand Dille
hUDdreduui Sixty-Two (1962) between the Corporation by the uame,
.tyle and title of PINE TREE POINT, INC., a Pennsylvania Corporation having its
principal office in New Cumberland, Cumberland County, Pe rmsylvania
oC the (lne part and WILLIAM J. LAFFERTY and DOROTHY
LAFFERTY, his wife,
Gf
Camp Hill
Countyof Cumberland
in the Slate uf Pennsylvania of the other part BUntSBrtlJ
That the laid party of the first p~rt, for and ill eon.
liderlltlon oC the Bum of Three Thousand Seven Hundred Fift"ynoUars ($3,750.00)
- - - - - - - - - - -- - - - - -- - Dollars, hiwE ul money of the U nited Sta~, to It ill hand paid by the Aid
at the time of the uecution hereof, the ~pt _htlreo! Is bereby acknowJedsed. his granted, bargained, lold,
sliened. enfeoft'ed, releaaed and confirmed, and'.b, thue presenta does grant, bugaln, sell, allen, eufeo1f, 1'C-
lease and confirm unto the aaid parties of the second 'part, their heirs
and UllgnS,
aU that certam piece or parcel of laUd, sitUate in the Town'ship of Hampden, County of Cumber-
land, and State of Pennsylvania.
.BEGINNING at a point on the north side of Lamp Post Lane, which point is 257.62
;feet west of the intersection of Carriage House Drive and Lamp East Lane;
:thence along the said Lamp Post Lane, south 73 degrees, 51 minutes 30 seconds
:west, 95 feet to the east line of Lot No. 10; thence along the same north 16 degrees
~8 minutes, 30 seconds west, 1~0 feet to the sOj.1thern line of Lot No.5; thence
:along the same north 13 degrees, '51 minutes 30 seconds east, 71.6 feet to a point;
:thence along the southern line of Lot No.6, north 80 degrees, 25 minutes east,
23.55 feet to the western line of Lot No.8; thence along the same south 16 degrees
:s minutes 30 seconds east, 117.31 feet to the north side of Lamp Post Lane, the
Flace of BEGINNING.
:BEING Lot No.9, Section IIBII, in Plan No.1 of Pinebrook, as prepared by D. P.
.. .. :Raffensperger, Registered Surveyor, of Camp Hill, Pennsylvania, on June 29.1962
-n.-.o,.,.._."._; and recorded in the Cumbexlal;ld County Recorder's Office in Plan Book 13.page 18:
BEING part of the same premises which Roy E. Stue and Mary E. Stare, his wife,
by their Deed dated March 30,1959, and recorded in the Cumberland County
Recorder's Office in Deed Book IIAII, Volume 19, Page 37, granted and conveyed
unto Pine' Tree Point;. Inc:, Grantor herein. .
~ESERVING, However unto the Grantor, its SucceSSors and assigns. a five (5)
joot utility easem ent along the Eastern and the Northern sides of Lot No.9,
.:section liB", described herein.
:SUBJECT to the restrictions and conditions a,.<\ recYJ;:ded in Misc.' Book 158.
...'.........'~.......;page 920.
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BOOK ..l20 PACE 56
Together with all aad '~r the bUilding.s, privileges, bereditament.s and appurtenances wllat~o"Ver
lhereunto ~ongi~g. or ~ anywile appertalniug. and the reversionll aJ1d remainders, rents, issues and
Pr<lnts thereof; aad all tile, estate, right, title, interest, property, claim and demand whataoever of it,
the said party of the fir at part,
either in law <11' equity, of, in and to the .same.
In l1-1ntarih.t1l'1Jtttil~h~"~dmee8page Or~emen~ lWd l<1t ~.'
piece of ground above described, heredil.aments' arid premises hereby granted, bargained and
sold, or mentioned, or intended so to be, with the appurtenances, unto the said:~ parties of the
second part, their heirs
and as.signs, to and for the only proper use and behooI of the .said parties of the second part,
their heirs
and ...signs forever.
And ~he .said party of the Drst part for itself and it.s succes.so!i'a, d,pea h/l~bYClQ.veDan.t and
agree to and with the .sald parties of the second part, their heirs
and 86signs, that it
tbe said party of the tirst part and its aucces~ors, all IUld aingular the said hereby guau.d,
premises, with the appurtenanl.'es, unto the said parties of the second part, their
and assIgns, agaiilst it tbe aaid pa~y oftheAil3St..,partalldits sUC(lcsllors,audagain.st'IlU and every
other person and perllOn.s whollUloever lawfully claiming or to daim the same or any part thereof
&lndl aub Ifill Batra"t aub Jfnreuer mefe~
by theae presenta.
~tWt
the said
doth
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4~~~rl:O~U~tc ~4!~f ';
to bei~ .t",m~Y./~~i~,n~tI!i~~~me!,andaaand for it.s corpor~:~t and deea ,,'t6'. uelntow1edgetllia
deed be!f~re any per.son having' anthority by the! laws of the Commonwealth of Penn.sylvania to take snell
~cknowledgme!nt, to tbe! intent that the same may be duly recorded.
-'~---"'----_ I ,
The :r:r'ecl~e8,ddre$,g p:f G:r'~pte",.l!:ii; 108 NOl"thCl~IiPYlew l):r'~ve~
~ '..::~6"__'~"i:.,,;, ttA,:".:-i-' ',j.T)'''':';':,;, '"-',..;.... .
lJu Westtm.ouy .1Jrrenf the Buid Pine Tree Point, Inc.
..~ ..' ." '""'-~ .'--"-"" h#caU8~a thi.s lnae!itill;eto1i~Bl~bi'itfrreriid~t;'~~~s~l?i!b'HS~e:
" rctary and a1flxed ~rclUlto the common and. corporatea~otthe, saldCo':po~
ration, that the .seal aJfixed hereto ts the .seal of Bald Corp9ratioD, that it was
.so affixed by order of'the Boan:! of Directorao{IlUd'Cotporation,..~d:.~llt..",.
they signed their names be!reto by like order, the day and yearmst ab~!lt!'~" ..' ~>"_
PINE TREE POINT, INC., ;;..\..... .f".
H.J?.Y...n",d.(~~._ , ". :~\
. ('J- .
Sigm,d, Sealed and Delivered
in the presence of
...~.~,~-~-
Attest:fZt-e ()J, .
..........~._.........._.._..._.__...................__... -..
State of f c.NNI+-.
Cd\mty of e..."'k.e'I'9-iVd,
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Oa w., the ~O"!- day of AI,.", , 19~~,
befOl1l me ~ I(/,-t'~ JL"I,~ the ~.oiUcer.
perIOJlalJy appeared (!/~~L M, .D(,~da.c. , who acbcnrledpd him.eI1 to be the
""'. J\1$t~~r of ;:>''''$ n~c ~,;,..,./ I.P~. .... _ _ .~
'. . .~ '!l .,~ tllat he .. 8UCh , bdDg autboriaed to do 10, executed ~f~1II8 ...
.-.-....,~...... ..... lit the pDrpOIeI therein eo.ntained by l!Ping the IIalDe of the cmpor.tfou byldmaelf.. 'F'~,ld"~
t.'fI:':;.:..F~.". :...~..~.'" ~ . In witD~f.' I ~eI~~.. _ my haud and ome&al _1. ,v I
~t?~.,_,;J . ~ '"rt.~:_ -~ r;;t~ r<f..iL
. '" ......... ~ ',' T"lir of OlNer
' Y' \"'J,.-"
State of
COUllt1.of
} II
I hereby certify that on thia day of
in the year of our Lord, ODe thousand Dine hundred aDd before me,
the luDacriber perloDally, ~
appeared , the attomey named iD:. the foresoiDg Deed, aDd by
viJltue of and iD PUl'IUInCe of.the authority therein -ferred upou
him, aclrnowledged' the ~d deed to be the act and deed
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leal the da)' IInd year aforeaaid.
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CUMBERLAND COUNTV
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8001..1,20,. 57
Recorder,
EXHIBIT B
.
Elyse E. Rogers, Esquire
Identification No. 41274
Todd F. Truntz, Esquire
Identification No. 83302
KEEFER WOOD ALLEN & RAHAL, LLP
415 Fallowfield Road, Suite 301
Camp Hill, PA 17011
(717)-612-5800
INRE:
ESTATE OF DOROTHY K.
LAFFERTY, Deceased
IN THE COURT OF COMMON PLEAS
CUMBERLAND COUNTY,
PENNSYLVANIA
, . NO. 2006-00040
,~
ORPHANS1COURT DIVISION
CONSENT AND JOINDER OF PARTIES
I, the undersigned, being a daughter of, and a party interested in the Estate
of Dorothy K. Lafferty, Deceased, hereby consent to the purchase of the real estate
located at 3805 Lamp Post Lane, Camp Hill, Pennsylvania, by William J. Lafferty,
Jr., personal representative of the Estate of Dorothy K. Lafferty, in his individual
capacity, for a purchase price of Two Hundred Fifteen Thousand and 00/100
($215,000.00) Dollars.
Date:
9'-;3-010
/"/
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",,'~~ /L.f4..~
ANN ZOBRIST",."
.,/
....:::..-........
EXHIBIT C
.
Elyse E. Rogers, Esquire
Identification No. 41274
Todd F. Truntz, Esquire
Identification No. 83302
KEEFER WOOD ALLEN & RAHAL, LLP
415 Fallowfield Road, Suite 301
Camp Hill, PA 17011
(717)-612-5800
INRE:
ESTATE OF DOROTHY K.
LAFFERTY, Deceased
IN THE COURT OF COMMON PLEAS
CUMBERLAND COUNTY,
PENNSYLVANIA
NO. 2006-00040
,~
ORPHAN'SrCQURT DIVISION
CONSENT AND JOINDER OF PARTIES
I, the undersigned, being a daughter of, and a party interested in the Estate
of Dorothy K. Lafferty, Deceased, hereby consent to the purchase of the real estate
located at 3805 Lamp Post Lane, Camp Hill, Pennsylvania, by William J. Lafferty,
Jr., personal representative of the Estate of Dorothy K. Lafferty, in his individual
capacity, for a purchase price of Two Hundred Fifteen Thousand and 00/100
($215,000.00) Dollars.
Date:
~\ \.~~b
'\, "
'--
EXHIBIT D
.
Elyse E. Rogers, Esquire
Identification No. 41274
Todd F. Truntz, Esquire
Identification No. 83302
KEEFER WOOD ALLEN & RAHAL, LLP
415 Fallowfield Road, Suite 301
Camp Hill, PA 17011
(717)-612-5800
INRE:
ESTATE OF DOROTHY K.
LAFFERTY, Deceased
IN THE COURT OF COMMON PLEAS
CUMBERLAND COUNTY,
PENNSYLVANIA
NO. 2006-00040
,\
ORPHAN'S.rCOURT DIVISION
CONSENT AND JOINDER OF PARTIES
I, the undersigned, being a daughter of, and a party interested in the Estate
of Dorothy K. Lafferty, Deceased, hereby consent to the purchase of the real estate
located at 3805 Lamp Post Lane, Camp Hill, Pennsylvania, by William J. Lafferty,
Jr., personal representative of the Estate of Dorothy K. Lafferty, in his individual
capacity, for a purchase price of Two Hundred Fifteen Thousand and 00/100
($215,000.00) Dollars.
Date:
o9l5Jo~
I I
rJ), ~ pr'~
D. COLLEEN LAFFER
EXHIBIT E
.
Elyse E. Rogers, Esquire
Identification No. 41274
Todd F. Truntz, Esquire
Identification No. 83302
KEEFER WOOD ALLEN & RAHAL, LLP
415 Fallowfield Road, Suite 301
Camp Hill, PA 17011
(717)-612-5800
INRE:
ESTATE OF DOROTHY K.
LAFlfERTY, Deceased
IN THE COURT OF COMMON PLEAS
CUMBERLAND COUNTY,
PENNSYLVANIA
NO. 2006-00040
, ~
ORPHAN'S:CqURT DIVISION
CONSENT AND JOINDER OF PARTIES
I, the undersigned, being a daughter of, and a party interested in the Estate
of Dorothy K. Lafferty, Deceased, hereby consent to the purchase of the real estate
located at 3805 Lamp Post Lane, Camp Hill, Pennsylvania, by William J. Lafferty,
Jr., personal representative of the Estate of Dorothy K. Lafferty, in his individual
capacity, for a purchase price of Two Hundred Fifteen Thousand and 00/100
($215,000.00) Dollars.
Date: {
EXHIBIT F
.
Elyse E. Rogers, Esquire
Identification No. 41274
Todd F. Truntz, Esquire
Identification No. 83302
KEEFER WOOD ALLEN & RAHAL, LLP
415 Fallowfield Road, Suite 301
Camp Hill, PA 17011
(717)-612-5800
INRE:
ESTATE OF DOROTHY K.
LAFFERTY, Deceased
IN THE COURT OF COMMON PLEAS
CUMBERLAND COUNTY,
PENNSYLVANIA
NO. 2006-00040
.(
ORPHAN'SICOURT DIVISION
CONSENT AND JOINDER OF PARTIES
I, the undersigned, being a son of, and a party interested in the Estate of
Dorothy K. Lafferty, Deceased, hereby consent to the purchase of the real estate
located at 3805 Lamp Post Lane, Camp Hill, Pennsylvania, by William J. Lafferty,
Jr., personal representative of the Estate of Dorothy K. Lafferty, in his individual
capacity, for a purchase price of Two Hundred Fifteen Thousand and 00/100
($215,000.00) Dollars.
Date: ~,J,.;fL l4 l ~o
EXHIBIT G
fAle No 006-LAFFERlYl Paoe #11
.
,~
APPRAISAL OF REAL PROPERTY '.
LOCATED AT:
3805 Lamp Post Ln
Hampden Township, Cumberland County
Camp Hill, PA 17011-1440
FOR:
Estate of Dorothy Lafferty
11 Sunset Lane
Lititz, P A 17543
AS OF:
December 29, 2005 (Retrospective as of Date of Death)
BY:
Appraisal Solutions
Brett Lechthaler. PA Certified Residential Appraiser
16 San Juan Drive
Mechanicsburg, PA 17055
Form GAB - 'TOTAl for Windows' appraisal software by a la mode, inc. - j.8OQ..AlAMODE
IFile No. 006-LAFFfAlYI Paoe #2/
.
File No. OOB-LAFFERTY
February 13, 2006
Appraisal Solutions
16 San Juan Drive
Mechanicsburg, PA 17055
Phone: 717-697-1828
Fax: 717-697-0220
RE: 3805 Lamp Post Lane, Camp Hill, PA 17011
Dear Sirs:
.0\
Pursuant to your request, I have prepared a COMPLETE APPRAISAUSUMMARY
REPORT of the property captioned in the "Summary of Salieht Feqtures" 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 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 effective date as stated in the body of
the appraisal, and contingent upon the certification and limiting conditions attached.
Please do not hesitate to contact me if I can be of additional service to you.
Respectfully,
Brett Lechthaler,
PA Certified Residential Appraiser
Form DCVR - 'TOTAl.. lor Windows' appraisal software by a Ia mode, Inc. _ 1-800-ALAMOOE
IFile No 006.LAFFFRTYI Pane # 31
.
SUMMARY OF SALIENT FEATURES
Subject Address 3805 Lamp Post In
Legal Descriplion Deed Book 8-20 Page 055
City Camp Hill
COunty Cumberland
State PA
Zip Code 17011-1440
Census Tract 25420-0113.03
'..\
Map Reference ADC: 19/J-2
Sale Price $ Market Value
Date of Sale NA
80rrower J Client NA
Lender Estate of Dorothy Lafferty
Size (Square Feet) 2.349
Price per Square Foot
Location Average
Age 44 Years
Condition Average
Total Rooms 10
Bedrooms 4
Baths 2.5
Appraiser
Date of Appraised Value
Brett Lechthaler, PA Cert Res Appr
December 29, 2005 (Retrospective as of Dale of Death)
Anal Estimate of Value
$ 215,000
Form SSO - 'TOTAL lor Windows" appraisal software by a la mode. inc. - 1-800.ALAMOOE
Appraisal SolJIioos (717)697-1828
IAleNa 006-I.Amtllll P3ne#41
Uniform Residential Appraisal Report Filel~;:~~~f~Report
The purpese of this suinmary aPllraisal report is to provide the lender/client with an 3CClrate, and adequately supported, opirlon of the market value of the subjl:t~.
Prooertv Address 3805 Lamo Post Ln Ctty Camo Hill State PA Zip Code 17011-14'10
Borrower NA OWner of Public Recom Lafferty. William J. & Dorothy County Cumberland
LeoaJ DescriPtion Deed Book S-20 Paae 055
Assessor's Parcel # 10-21-0275-008 TaxYear 05/06 R.E. Taxes $ 2,595.75
NeiOlmorhood Name Pinebrook MaD Reference ADC: 19/J-2 Census Tract 25420-011103
Occuoant [J Owner n Tenant lX:J Vacant Special Assessments $ None n PUD HOA $ NA 0 per year . J per lIDIII1
.. Prooenv Rillhts Aooraised [8J Fee Simple [J Leasehold [J OIher (describe)
AssilJ1ment Type r Purchase Transaction 0 Refinance Transactiol1 rgJ OIher (describe) Estate Valuation
LeIlderlChent Estate of DorothY Laffertv Address 11 Sunset Lane Lititz PA 17543
Is the subject property currently offered for sale Dr has tt been oHered lor sale in the twelve months prior to the effective date 01 this aooraisal? 11 Yes 0 No
Reoort data source(s) used offering price(s), and daters). There were no tistinas noted in the local Multiole Listino Service within the oast vear.
J 0 did ~ did not analyze the contract lor sale for the subject purchase transaction. Explain the resutts 01 the analysis of the contract lor sale or why the analysis was rot
oertorrned. This is an Estate Valuation. There is no contract to analYZe.
Contract Price $ Market Valul Date of Contract NA Is the oroperly seier the owner of oubic reconJ? r 1 Yes 11 No Data Source(s) NA
Is there any linancial assistance (loan charges, sale concessions, gilt or downpayment assistance, etc.) to be paid by any party on behaH 01 the borrower? 0 Yes 0 No
· H Yes, report the tOlaI dollar amount and describe the tterns to be Paid. NA
Note: Race and the racial colllP08ltion 01 the neighborhood are not appl'lIiSll factors.
HcillihbotllCllldCblltcl8tilticS', ,,',. 'llnI--UnItHolllil!~Trends' .... .Qne.o.tJnlt'Houeing ," Preaentl-.lUlr"j
Location rJ Urban 15<1 Suburban 0 Rural Property Values ~ Increasina 1 Stable [Decli'nTAg PRICE AGE One-Unit 95 "
. BuUt-Up [J Over 75% c><:I25-75% [J Under 25% DemandlSl4lPtr ~ Shortaoe 1 In Balance [ Over Supply $ (000) (yrs) 2-4 unn '"
: Growth [J Rapid c><:I Stable [Slow Marketing Time ~ Under 3rnths 1 3-6 m1hs [ 'Over 6 mths 1 80 Low 20 Multi-FalTilY %
' NeiOhbOrhood Boundaries The neighborhood boundaries are indicated on the enclosed neighborhood map 400+ High 50+ Commercial '.ll
: in the addenda of this report which comprise the develooment of Pinebrook. 210-40 Pred. 35-45 OIher 5 %
Neiohborhood Description Subiect has access to all necessarv suooortina facilities inciudina schools pUblic parks transportation shoDDina and
houses of worship. Emolovment stabllitv is oood due to the State CaMol at Hanisburn the Navy SUDDIy DeDot in Mechanicsburo. the Annv Suoolv
DeDOt in New Cumberland and the exoandino West Shore Area. EmDlovment is within 15-30 minute drive.
Marllet Conditions Oncluding support lor the above conclusions) Mortaaae funds are readilY available from a variety of sources wfth conventional loans beino
6.0% to 6.5% interest fixed 30 vear mortgage uo to 3 ooinls. Sellers are not reauired to offer sales or financino concessions however seller
assistance is occulTino.
Dimensions See Enclosed Leaal Descriotion Area .28 acre ShaDe Rectanaular VIeW Typical Street
SOllCIlic Zorina Classilication R-S Zorina Description Residential Suburban
Zorina Compfiance CRI Leoal [J Leaal Nonconfoming (Grandlathered Use) [J No Zorina [ IIleQal (describe
Is the hiohest and best use 01 subiect DrDDertv as improved (or as orooosed oer olans and specffications) the present use? 0 Yes [J No If No, describe
UtilIties Public Other (describe' Public Olher (describe) Olf-site Imorovements _ Type
Electricitv lX:J r 1 Water IXJ r l Street Mecadam
Gas lX:J rJ Sanitary Sewer IZJ I~ Alley
FEMA Special Fklod Hazard Area [J Yes rxI No FEMA FklDlf Zone X FEMA Map # 4203600010C
Are the utilities and off-stte improvements typical lor the market area? ~ Yes [J No II No, describe
Are there any adverse stte conditions or extemallactors (easements, encroaclments, environmental condttlons, land uses, etc.)? n Yes l5<I No H Yes, describe
Standard easements for electric teleohone etc. There are no known or apparent adverse easements encroachments or conditions noted.
Public Private
o [J
[J rl
FEMA Map Date 1/5/1996
;Gen....l~n :":; ".fDUIllIaIIOll ",<u UEXt8rior< .materi8ls/condltlon ,lllterIOr mat~i
UnIts IXJ One rl One with Accessorv Unit J Concrete Slab t5<I Crawl Space Foundation Walls Concrete Block Floors Wd Cpt Cer VnVAvo
# of Stories 2 J Full Basement 15<1 Partial Basement Exterior Walls Aluminum & Slone Walls Plaster/Avo
TYPe IXJ Del. r JAil. r J S-DetJEnd Unit Basement Area 864 so.ft. Roof Surface Shil'lQle TrinVArish Wood/Avo
.15<1 Existina n Proposed r1 Under Const. Basement Arish 0 % Gutters & Downsoouts Aluminum Bath Floor Cer VinvVAvo
Desilll1 (Style) 2 StOry ] Outside Entrv/Exit 1)(1 Sumo Puma Window Type Wood Double Huna Bath Wainscot Ceramic/Avo
Year Bultt 1962 Evidence of rJ Infestation None Notee Storm SasMnsulated Storm Sash Car Stora~e [J None
EttectiYll Age (Yrs) 20-25 Years ] Dampness [J Settlement Screens Yes IXJ Drivewav # of Cars 4
Attic None Heating I I FWA 100 HWBB II I Radiant Amenities Woodslove(s) # Driveway Surface AsPhatt
IDrOP Stair Stairs ] Other I Fuel Gas 0 Areplace(s) # 1 Fence IXJ Garaoe # of Cars 2
] Fklor Scuttle Coolino lX:J Central Air Conditionino 0 PatiD/Deck IX Porch Stoop l Caroort # 01 Cars
] Arnshed Heated ] IndMdual 10 Other ] Pool Other '0 Att.D Del. [J Bultt-in
I Appiances lPl Refrioerator IRl RanoelOven !Xl Dishwasher !Xl Disposal !Xl Microwave IPI WasherlDrYer r l OIher describe)
Arished area above Orade contains: 10 Rooms 4 Bedrooms 2.5 Bath(s) 2 349 Souare Feet of Gross Living Area Above Grade
:' Additonalleatures (soecial enerov efficient ttems, etc,). Typical for neiahborhood.
Describe the condition of the orooertvfmcludino needed reDairs, deterioration renovations, remodellno. etc.l. The subiect is in avaeraae condition and has been
maintained and uodated as needed. The construction aualitv is tvoical for aoe in comparison to comoetino neiahborhoods. Based on maintenance
condition and comoarison to comDetina neiohborhoocls the estimated aoe is below the actual <lae. Phvsical depreciation is due to aoe. No
economic or functional obsolescence noted.
Are there any Phvsical deficiencies Dr adverse conditions that aHect the ivabltitv. soundness. or structural intearitv of the orooertv? r 1 Yes l5<I No H Yes, descrtbe
There were no observed nor noted PhYSical deficiencies or adverse conditions that would affect the livability. soundness or structural intearilv of the
Drooerty,
Does the oro I conform to the neiohborhood (functional ulilitv, sMe, condttion use. construction, etc.l?
The DroDertv conforms to the surroundlno neiohborhood.
lX:J Yes 11 No II No. describe
Freddie Mac Form 70 March 2005
Page 1 of 6
Fannie Mae Form 1004 March 2005
Form 1004- 'TOTAL for Windows' appraisal sollware by a Ia mode, inc. -1-800-ALAMODE
IRle No. 006-[ AFFRI1YI Pal #51
n arm eSI enla ~ppralsa epa File It 006-LAFFERTY
There an, 2 ~l1JIIrabJe proPerties currently offered lor sale in the subject nelghborrobd ratIIlInoin price Irom $ 199 900 to $ 284,900
There are 6 _~ble sales in the subject neig/iIor1lOod wllhin the past tweiYe months rangjna in sale Plice from $ 192500 10$ 25Q,OOO
FEATURE I SUBJECT I COMPARABLE SALE # 1 COMPARABLE SAlE # 2 I COMPARABLE SAlE # 3
Address 3805 Lamp Post Ln /3815 Copper Kettle Rd 527 Spring House Dr 300 Candlelight Dr
Camo Hill PA 17011-1440 1 Camp Hill PA Camp Hill PA Camp Hill PA
Proximitv to Subiect I .. 10.36 miles 0.72 miles 0.18 miles
Sale Price $ Refinance .1$ 192500 .... '1$ 214 000 cl$ 249 501
Sale Price/Gross Liv. Area 1$ sO.ft.l$ 91.75 sO.ft. $ 102.54 so.ft.! $ 104.92 ~.ft. ..
Data SOlXce(S) . "i Multi-Listinc Service Multi-Listil1Q Service Multi-ListilN Service
Verilication Source(s) ..... ! Courthouse Records Courthouse Records Courthouse Records
VALUE ADJUSTMENTS DESCRIPTION i DESCRIPTION +(-) S A<!iustment DESCRIPTION +(-1 $ Adiustment DESCRIPTION +HSAdiIment
Sales or Financing I Conventional Conventional Conventional
Concessions ". . I No Effect No Effect No Effect
Date of Sale/Time <.' .17/05 11 DOM 9/05 1 DO~ 5/05 5DOM
location 1 Averaae Averaae Averaae Average
LeaseholdlFee Sillllle I Fee Simple I Fee Simple Fee Simple Fee Simole
Site I .28 acre .29 acre/Superjc .5000 .25 acre/Superio -5 000 .33 acre/Superio .5,000
VIeW ITvoical Street ~ Street Aya Street Avo Street
Desian (Style) .. 12 StOry 2 Story 2 Story 2 StQI'Y
Quality 01 Construction I Frame/Good Frame/Good Frame/Good Frame/Good
Actual Age 144 Years 38 Years 30 Years 41 Years
Condition j Average Inferior -t10 000 Eaual Suoerior -15000
Above Grade i T DIal I Bdrms.1 Baths Tlial ISdrms./ Baths TotallBdrms. BaIhs TotallBdrms.11laths
Room Count 10 j 4 J 2.5 I 8 I 4 '2.5 8 I 4 12.5 ... 9 I 4 12.5
Gross Living Area i 2 349 So.ft.! 2 098 so.ft. -t7 500 2 087 so.ft. -t7900 2 378 so.ft.
Basement & Finished 864 Sq.Ft. ! Equivalent Equivalent Equivalent
Rooms Below Grade Unfinished I Unfinished Rec Room -1000 Unfinished
Functional UtIIItv Averaae Averaae Averaae Averaae
HeatLng/Coolirlg HtWtr/CA I BBD/None -t4000 HtWtr/CA HtWtr/CA
:'1 Enemv Efficient Items Averaae Eaual Eaual Equal
: Garaae/Carport /2 Car Garaae 12 Car Garalle 2 Car Garaae 2 Car Garaae
PorchlPatiolDeck i Stoo~ Patio StooP. Patio Deck Patio Porch Deck .500
· 01her / Fireplace Fireplace Fireplace FP IGPool -10 DOO
I
. Net Adiustment IT olall I ~'~~'>"! .," IXJ+ O- S 16 500 IZI+ fl. S 1900 rJ + ~. $ 30500
Adjusted Sale Price ..... .:i..P."':'._
of Comoarables L...,.............. S 209 000 $ 215900. S 219,001
I [gJ did L did not research the sale or transfer history of the subiect 0 rooertv and c01Tllarable sales. If not, explain
I My research ] did J8J did not reveal any ooor sales or transfers of the subject pr~lor the ttree years Prior to the eIIective date 01 this-.!l!llraisal.
Data Sourc~ Courthouse records
I My research J did IZl did not reveal any pnor sales or transfers 01 the comoarable sales lor the year pnor to the date of sale of the comparable sale.
Data Source's Courthouse records
Fleport the results 01 the research and analysis of the prior sale or transfer history of the SUllject p~ and comparable salesjreport additional PI 'or sales on page 3).
ITEM SUBJECT COMPARABLE SALE #1 COMPARABLE SAlE #2 COMPARABLE SAlE #3
Date of Prior SalelTransler None None None None
Price of Prior Sale/Transfer NA NA NA NA
Data Source(sl CH Records Courthouse Records Courthouse Records Courthouse Records
Effective Date of Data Source(s 211212006 211212006 211212006 211212006
Analvsis of prior sale or transfer hlstorv of the subiect proDer1Y and comoarable sales The sUQlect has not transferred Within 3-.Yllars. The comparable sales
have not transferred more than once within the past year.
SuIflTlID' 01 Sales COlTIpaoson Approach After a search of available market data the three closed sales displaved are considered to be the best
indicators of value. Sales that transferred past six months but within one year of subiect's appraisal were utilized due to similarities and~ro)(jll}i!y.
Acliustments were made to reflect market reactions to those items of s.ktniflC8nt variation between sUbiect and comoarables. All sales suoerior lot
utiLity due to tooooraohv. Superior and/or inferior Quality agjustments reflect uPQrades/malntenance or lack there of in comparison to the subied.
All comoarables were weiohted and considered with most weiaht aoolied to Sale #2 due to least net andJ;lross aQiustments. The adiusted ranQe of
values for the comparables is $209 000 to $219 001.
Indicated Value by Sales Comparison Approach $ 215000
Indicated Value by: Sales Comparison Approach $ 215000 Cost Approach (if developed) $ Income Approach (if developed) $
Due to the lack of oualitv andguantity of rental data the Income Aooroach is not ~prQQriate. Due to the chronolQgical and effective aoes the Cost
. Approach is not considered valid. Greatest weicht is aiven to the Sales Comparison Approach as it reflects the tvoical actions of buyers and sellers
in the marketolace.
This appraisal is made 0 "as is", 0 subject to c01Tlllefjon per plans and specifications on the basis of a hyPothebcal condition that the improvements have been
Completed, 0 subject to the 10Uowing repairs or atterations on the basis of a hypothebcai condition that the repairs or atterations have been COfl1l/eted, or 0 subject to 1II
. followino reouired inspection based on the extraordinary assumption that the condition or deficiency does not reouire alteration or repair: See appraiser's certifICation and
statement of limltinq conditions. "December 29 2005 (Retrosoective as of Date of Death)
Based on a complete visual ins~on of the interior and exterior areas of the subject propert~ defined scope of work, statement of assumptions and limiting
conditions, and appraiser's certification, my (our) opinion of the market value, as defined, of e real property that is the subject of this report is
$ 215,000 as of December 29, 2005 ,which Is the date of inspection and the effective date of this appraisal.
U It
R 'd t' I A
rt
Comp~re~~~rt
IR
Freddie Mac Form 70 March 2005
Page 2 of 6
Fannie Mae Form 1004 March 2005
Form 1004 - 'TOTAL for Windows' appraisal software by a Ia mode, inc. -1.800-AlAMOOE
U If
IRle No 006-LAFFFRTYI PaoP. #61
Complete~plSumReport
R 'd ti I A
fR
rt
n orm eSI en a ppralsa epo .
FileH 006-LAFFERTY
.
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.
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'gp,~~W~~,~.;}'~~',Zl,~;:.~~~";; '.n~'i!\';;iI,;~.!'.fl1}i,\~fi\(!;'~l!~:illt!'j;;j')~i:"X2~'~~'" ,,+'..< ,,,,;C.. ....".; ,\\~
Provide adequate infDrmatlon for the lender/clent tD r~cate the below CDst figyres and calculations.
SlI!JIIOrt for the DoiniDn of site value IsulllTllJlY 01 CDrroarable land sales Dr o1her methodsfDr estlmatina site value}
ESTIMATED [J REPRODUCTION OR J ] REPLACEMENT COST NEW OPIMON OF SITE VALUE ......---..................................h..._..........h.. =$
. Source of CDSt data DWElUNG SQ.FI. @ $ ......h..... =$
Qualty ratino frDm cost service Effective date 01 cost data ~.Ft@ $ _"h_...._.. =$
Comments Dn Cost ApprDach (grOSS lYing area calculations, deDreCiation,etc.) .._h.__.... =$
The Cost Aooroach will cenersllv result In an ellCeHent estimate of value II GaraaelCaroort Sa.Ft. @ $ ....n_...... =$
. the buildino is new or reasonablv new and the imorovements reflect the Total Estimate of Cost-New =$
.............
I hiahest and best use of the of the land. However When items of phvsical Less Physical I Functional lExlemal
depreciation and obsolescence must be estimated an area of iudaement ' DepreciatiDn I I =$( )
Is involved which is sUbiect to error. The Cost Alloroach was not utifized Depreciated CDst of lfl1l/llvements ....hh...............n..............uu......... =$
due to the chronolocical end effective aces. 'As-Is' Value of Site IrnDrovements ...-...-......-.......-................ ...--... =$
EstImated Remaining Econorric Life (HUD and VA only) Years INDlCAlED VALUE BY COST APPROACH ....h..h........h......................... -$
'rt.gi:~ti~f:~~.; "', ':,:;~\\*l~.~t~t<:gi!.?,~~{,.;~ " ;:C.::'~::~~&y~::: ' i!".~EiAPPBo~TD'VALU.E~l1Ot,..,lrlilibYiFann181.fiij';".... . . '\:'" -,',i:"':,
. Estimated Monthly Market Rent $ NA X Gross Rent Mullipller NA =$ Indicated Value lJy Income ~proach
Sunmary oIlncDme ApProach (inclUding support fDr marKet rent and GRM) Due to the lack of Quality and Quantity of rental data the Income Aooroach is not
appropriate.
r~;-.;;';-;' .. }i[; ';.:,i;,\;1<<:~': "";i:,'_, ~"J' ':" ':),:',':', ::'j:!~;i0-~ ,',: !';,;'P.ItOJECT'lNF.ORMAtIOHfORJ'.UDs'Ot 't:'..<.:,.:.;.. ,....,...'.;:..". .t.;...,., ......,;
.. ,', ,.,.,
Is tile developer/bullder In control of the HDmeawners' Association (HOA)? LJ Yes UNo Unit type(s) [] Detaclled o Attacl1ed
Provide the tDlbwino infomnation for PUDs ONLY" II1e developer/bullder is in cDntrol Of II1e HOA and the sullject property is an attached dwelling unit.
L~ Name Df Proiect NA
. T DIal nurmer of -.ptlases T olaJ number of uni1l; NA T Dial number of units SOld
T Dlal number of units rented T Dlal rurnber 01 urits for sale NA Data SDUrCe(s]
Was lt1e project created by II1e cDnversiDn Df existing buDding(s) into a PlIO? rJ Yes fl ND II Yes, date of cDnversion.
. Does the project CDntain allY mulfi-dweling units? [J Yes [J ND Data SDurce NA .
Are the units CDmmon elements, and recreation facilnies CDmoIete? n Yes n No II No, describe the status of cDlI1lIetion. NA
.
Are the common elements leased to Dr by the Homeowners' Association? [J Ves [J No liVes describe the rental terms and DPtions. NA
Describe coovnon elements and recreational facirrlies. NA
Freddie Mac Form 70 March 2005
Page 3 of 6
Fannie Mae Form 1004 March 2005
FDrm 1004- 'TOTAL fDr Windows' appraisal software by a la mode, Inc. -1-800-AlAMODE
IFile No 006-1 AFFFIITYI Pane #71
Uniform Residential A praisal Report
, Complele~P/SumReport
File # 006-LAFFERTY
This report form is designed to report an appraisal of a one-unit property or a one-unit property with an accessory unit;
including a unit in a planned unit development (PUD). This report form is not designed to report an appraisal of a
manufactured home or a unit in a condominium or cooperative project.
This appraisal report is subject to the following scope of work, intended use, intended user, definition of market value,
statement of assumptions and limiting conditions, and certifications. Modifications, additions, or deletions to the intended
use, intended user, definition of market value, or assumptions and limiting conditions are not permitted. The appraiser may
expand 1he scope of work to include any additional research or analysis necessary based on the complexity of this appraisal
assignment. Modifications or deletions to the certifications are also not pennitted. However, additional certifications that do
not constitute material alterations to this appraisal report, such as those required by law or those related to the appraiser's
continuing education or membership in an appraisal organization, are permitted.
SCOPE OF WORK: The scope of work for this appraisal is defined by the complexity of this appraisal assignment and thl1
reporting requirements of this appraisal report form, including the following definition of market value, statement of
assumptions and limiting conditions, and certifications. The appraiser must, at a minimum: (1) perform a complete visual
inspection of the interior and exterior areas of the subject property, (2) inspect the neighborhood, (3) inspect each of the
comparable sales from at least the street, (4) research, verify, and analyze data from reliable pUblic and/or private sources,
and (5) report his or her analysis, opinions, and conclusions in this appraisal report.
INTENDED USE: The intended use of this appraisal report is for the lender/client to evaluate the property that is the
subject of this appraisal for a mortgage finance transaction.
INTENDED USER: The intended user of this appraisal report is the lender/Client.
.~
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 seHer are typically motivated; (2) both
parties are well informed or well advised, and each acting in what he or she considers his or her 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 financing or concessions based on the appraiser's judgment.
STATEMENT OF ASSUMPTIONS AND LIMITING CONDmONS: The appraiser's certification in this report is
subject to the fOllowing assumptions and limiting 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, except for information that he or she became aware of dUring the research involved in performing this appraisal. The
appraiser assumes that the title is good and marketable and will not render any opinions about the title.
2. The appraiser has provided a sketch in this appraisal report to show the approximate dimensions of the improvements.
The sketch is included only to assist the reader 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 this appraisal report whether any portion of 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, or as otherwise required by law.
5. The appraiser has noted in this appraisal report any adverse conditions (such as needed repairs, deterioration, 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 research involved in performing the appraisal. Unless otherwise stated in this appraisal
report, the appraiser has no knowledge of any hidden or unapparent physical deficiencies or adverse conditions of the
property (such as, but not limited to, needed repairs, deterioration, the presence of hazardous wastes, toxic substances,
adverse environmental conditions, etc.) that would make the property Jess valuable, and has assumed that there are no such
conditions and makes no guarantees or warranties, express or implied. 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, this appraisal report must not be considered as
an environmental assessment of the property.
6. 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 the completion, repairs, or alterations of the subject property will
be performed in a professional manner.
Freddie Mac Form 70 March 2005
Page 4 of 6
Fannie Mae Form 1004 March 2005
Form 1004 - "TOTAL for WindowS" appraisal software by a la mode, inc. -1-800-ALAMOOE
Ifile No 006-LAFFFR1YI Pane "81
Uniform Residential Appraisal Re ort
. Complele~p/SlInReport
File # 006-LAFFERTY
APPRAISER'S CERllACATION: The Appraiser certifies and agrees that:
1. I have, at a minimum, developed and reported this appraisal in accordance with the scope of work requirements staled in
this appraisal report.
2. I performed a complete visual inspection of the interior and exterior areas of the subject property. I reported the condition
of the improvements in factual, specific terms. I identified and reported the physical deficiencies that could affect the
livability, soundness, or structural integrity of the property.
3. I performed this appraisal in accordance with the requirements of 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 at the time this appraisal report was prepared.
4. I developed my opinion of the market value of the real property that is the subject of this report based on the sales
comparison approach to value. I have adequate comparable market data to develop a reliable sales comparison approach
for this appraisal asSignment I further certify that I considered the cost and income approaches to value but did not develop
them, unless otherwise indicated in this report.
5. I researched, verified, analyzed, and reported on any current agreement for sale for the subject property, any offering for
sale of the subject property in the twelve months prior to the effective date of this appraisal, and the prior sales of the subject
property for a minimum of three years prior to the effective date of this appraisal, unless otherwise indicated in this report.
6. I researched, verified, analyzed, and reported on the prior sales of the comparable sales for a minimum of one year prior
to the date of sale of the comparable sale, unless otherwise indicated in this report.:,{
7. I selected and used comparable sales that are locationally, physically, and functioljally the most similar to the subject property.
8. I have not used comparable sales that were the result of combining a land sale with the <contract purchase price of a home that
has been built or will be built on the land.
9. I have reported adjustments to the comparable sales that reflect the market's reaction to the differences between the subject
property and the comparable sales.
10. I verified, from a disinterested source, all information in this report that was provided by parties who have a financial interest in
the sale or financing of the subject property.
11. I have knowledge and experience in appraising this type of property in this market area.
12. I am aware of, and have access to, the necessary and appropriate public and private data sources, such as multiple listing
services, tax assessment records, public land records and other such data sources for the area in which the property is located.
13. I obtained the information, estimates, and opinions fumished by other parties and expressed in this appraisal report from
reliable sources that I believe to be true and correct
14. I have taken into consideration the factors that have an impact on value with respect to the subject neighbOrhood, subject
property, and the proximity of the SUbject property to adverse influences in the development of my opinion of market value. I
have noted in this appraisal report any adverse conditions (such as, but not limited to, needed repairs, deterioration, the
presence of hazardous wastes, toxic substances, adverse environmental conditions, etc.) observed during the inspection of the
subject property or that I became aware of during the research involved in performing this appraisal. I have considered these
adverse conditions in my analysis of the property value, and have reported on the effect of the conditions on the value and
marketability of the subject property.
15. I have not knowingly withheld any significant information from this appraisal report and, to the best of my knowledge, all
statements and information in this appraisal report are true and correct.
16. I stated in this appraisal report my own personal, unbiased, and professional analysis, opinions, and conclusions, which
are subject only to the assumptions and limiting conditions in this appraisal report.
17. I have no present or prospective interest in the property that is the subject of 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 Opinion of market value in this appraisal report on the race, color, religion, sex, age, marital
status, 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 or on any other basis prohibited by law.
18. My employment and/or compensation for performing this appraisal or any future or anticipated appraisals was not
conditioned on any agreement or understanding, written or otherwise, that I would report (or present analysis supporting) a
predetermined speCific value, a predetermined minimum value, a range or direction in value, a value that favors the cause of
any party, or the attainment of a specific result or occurrence of a speCific subsequent event (SUCh as approval of a pending
mortgage loan application).
19. I personally prepared all conclusions and opinions about the real estate that were set forth in this appraisal report. If I
relied on significant real property appraisal assistance from any individual or individuals in the performance of this appraisal
or the preparation of this appraisal report, I have named such individual(s) and disclosed the specific tasks performed in 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 this appraisal report; therefore, any Change made to this appraisal is unauthorized and I will take no
responsibility for ft.
20. I identified the lender/client in this appraisal report who is the individual, organization, or agent for the organization that
ordered and will receive this appraisal report.
Freddie Mac Form 70 March 2005
Page 5 of 6
Fannie Mae Form 1004 March 2005
form 1004 - 'TOTAL for Windows' appraisal software by a Ja mode, inc. -1-8CJO..AlAMODE
IRle No 006-1 AfR:R1V1 PlIIe #91
,
21. The lender/client may disclose or distribute this appraisal report to: the borrower; another lender at the request of the
borrower; the mortgagee or its successors and assigns; mortgage insurers; govemment sponsored enterprises; other
secondary mar1<et participants; data collection or reporting services; professional appraisal organizations; any department,
agency, or instrumentality of the United States; and any state, the District of Columbia, or other jurisdictions; without having to
obtain the appraiser's or supervisory appraiser's (if applicable) consent. Such consent must be obtained before this appraisal
report may be disclosed or distributed to any other party (including, but not limited to, the public through advertising, public
relations, news, sales, or other media).
Uniform Residential A praisal Report
CompletiAPP/SumReport
rlle# 006-LAFFERTY
22. I am aware that any disclosure or distribution of this appraisal report by me or the lender/client may be SUbject to certain
laws and regulations. Further, I am also subject to the provisions of the Uniform Standards of Professional Appraisal Practice
that pertain to disclosure or distribution by me.
23. The borrower, another lender at the request of the borrower, the mortgagee or its successors and assigns, mortgage
insurers, government sponsored enterprises, and other secondary market participants may rely on this appraisal report as part
of any mortgage finance transaction that involves anyone or more of these parties.
24. If this appraisal report was transmitted as an "electronic record" containing my "electronic signature," as those tenns are
defined in applicable federal and/or state laws (excluding audio and video recordings), or a facsimile transmission of this
appraisal report containing a copy or representation of my signature, the appraisal report shall be as effective, enforceable and
valid as if a .paper version of this appraisal report were delivered containing my original hand written signature.
25. Any intentional or negligent misrepresentation(s) contained in this appraisal report may result in civil liability and/or
criminal penalties including, but not limited to, fine or imprisonment or both under the provisions of Title 18, United States
Code, Section 1 DOl, at seq., or similar state laws.
SUPERVISORY APPRAISER'S CERTIFICATION: The Supervisory Appraiser cert~es a~d agrees that
1. I directly supervised the appraiser for this appraisal assignment, have read the a'ppraisa,' report, and agree with the appraiser's
analysis, opinions, statements, conclusions, and the appraiser's certification.
, ~
2. I accept full responsibility for the contents of this appraisal report including, but not limited to, the appraiser's analysis, opinions,
statements, conclusions, and the appraiser's certification.
3. The appraiser identified in this appraisal report is either a sub-contractor or an employee of the supervisory appraiser (or the
appraisal firm), is Qualified to perform this appraisal, and is acceptable to perform this appraisal under the applicable state law.
4. This appraisal report complies 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 at the time this appraisal
report was prepared.
5. If this appraisal report was transmitted as an "electronic record" containing my "electronic signature," as those terms are
defined in applicable federal and/or state laws (excluding audio and video recordings), or a facsimile transmission of this
appraisal report containing a copy or representation of my signature, the appraisal report shall be as effective, enforceable and
valid as if a paper version of this appraisal report were delivered containing my original hand written signature.
APPRAISER
Signature -li.:;J:re_~:..;':A.. ~
Name Brett Lechthaler PA Cert Res AIlDr
Company Name ApDraisal Solutions
Company Address 16 San Juan Drive
Mechanicsbura, PA 17055
Telephone Number 717-697-1828
Email Address
Date of Signature and Report February 13 2006
Effective Date of Appraisal December 29. 2005 as of 000
State Certification # RL-D03368-L
or State License #
or Other (describe) State #
State PA
Expiration Date of Certification or License 6/30/2007
SUPERVISORY APPRAISER (ONLY IF REOUIRED)
Signature
Name
Company Name
Company Address
Telephone Number
Email Address
Date of Signature
State Certification #
or State License #
State
Expiration Date of Certification or License
ADDRESS OF PROPERTY APPRAISED
3805 LamD Post Ln
CamD H~I PA 17011-1440
APPRAISED VALUE OF SUBJECT PROPERTY $ 215000
LENDER/CLIENT
Name William Laffertv
Company Name Estate of Dorothv Lafferty
Company Address 11 Sunset Lane Lititz. PA 17543
SUBJECT PROPERTY
o Did not inspect subject property
o Did inspect exterior of SUbject property tram street
Date of Inspection
o Did inspect interior and exterior of subject property
Date of Inspection
COMPARABLE SALES
Email AddresSwtaffertvtaldeiazzd.com
o Did not inspect exterior of comparable sales from street
o Did inspect exterior of comparable sales from street
Date of Inspection
Freddie Mac form 70 March 2005
Page 6 of 6
Fannie Mae Form 1004 March 2005
Form 1004 - 'TOTAL for Windows' appraisal software by a la mode, inc. -1.800-AlAMooE
Supplemental Addendum
IFile No OlJ6..lAFFFRlYl Pane #1 01
File No. 006-LAFFERTY
.
Cumberland
State PA
Zi Code 17011-1440
SPECIAL LIMITING CONDITIONS:
This appraisal is not a home inspection and the appraiser is not acting as a home inspector when
preparing the report. When performing the inspection of this property, the appraiser visually observed
arfilas that were readily accessible. The appraiser is not required to disturb or move anything that
obstructs access or visibility. The inspection is not technically exhaustive. The inspection does not offer
warranties or guarantees of any kind.
SUPPLEMENTAL CERTIFICATIONS:
I certify that:
- This appraisal is a COMPLETE APPRA/SAUSUMMARY REPORT.
- This appraisal was prepared by Brett Lechthaler for the exclusive use of the Lafferty Estate,
client, to estimate market value in terms of cash or financing similar to cash for mortgage financing
purposes. The information and opinions contained in this appraisal set forth the appraiser's best
judgement 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 the
sole responsibility and at the sole risk of the third party. Mr. Lechthaler accepts no responsibility for
damages suffered by any third party, as a result of reliance on or decisiQrls 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.
- In my opinion the reasonable market 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.
- The reported analyses, opinion, 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, and no
personal interest with respect to the parties involved.
- I have no bias with respect to 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 Standards of Professional Appraisal Practice.
- No one provided significant professional assistance to the persons signing this report.
- Brett Lechthaler personally inspected the property and prepared this report.
Sincerely,
Brett Lechthaler,
State Certified Residential Appraiser
Fann TAOO - 'TOTAL for Windows' appraisal software by a Ia mode, inc. -1-800-ALAMODE
Location Map
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~"""N<o: 27 -'D61lD FRON .^ .CORPORATION, ..... 1P01.
:m1ris JWtnturt~
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hllDlircdud Sixty-Two (19Q2) between the CoJ.poratiorl by o..c Da_,
nyleand title of PINE TREE POINT . INC.. ,a Pennsyh'ania Corporationhavi~g its
principal office in NewCur:nberland, Cumberland County, Pennsylvania
DC lbeo.." ""nAnd WILLIAM J, L.AFFERTY and DOROTHY
LAFF:E.RTY ,hi.s wife.
....., ,....-- ;ot --Ca;;):p-Hill" '
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of the other part
i'ii1nts.Bftil
1'batthe,sald party of the Jir!l,tp~rt, far and mcon.
.idel'flUOh of thelum of Three Thousand Seven 'Hund':red Fiftybollars ($3.750.00)
------------------- DuILm1'~,h"v.fuJl.llu"eJ. oCtb. Uilll.cd Stat.ell; toft itlbalU! ,p&idb:r tbe laW
..t:tbetilue of lneexecuUon hert'oI,the fe!'Cipt wbt,tcut ilhe.rebr&dmoll'lcdgecl., baa Pauted,ba.-mec1,aiJ}4,.
1iUelled,enfeoffed, 'released and ,con1inned, 1Uld'-bj tbesepreaent.s 'does'grAnt,bargain, .eell,'alien,...u:eof[.~
leueand eonfirll! untotbe said p<l:rties of the seconci.j1ar."i., their heirs
:am ....igm,
411 that eeTtafn piece orp&rccl.ofIand, altua1e in the Town'ship of Hampden, County of Cumber-
land, and State of Pennsylvania,
'BEQINNlNO atap~i~t .onth;~o:~tblijd,~;.~d')'.f~g;P:F'O'st~ri~~ which point is 257. 6Z
;feet .west or the intersection of Carriagt;House Drivean~'),~mp .Eost Lane;
'~th.e.nce along the said Lamp Post Lane.., -south 7 3 degrees ",53 ,minutes 3'0 seconds
,~.est,95feet t9 the east line of Lot No.J.o; thence along thesameno:rth 16 degrees
;lltninutes,3.oseconds west, 12.0 ieettothe so,uthern line of Lot No. 5; thence
..a.long the cSameno:rth 73 degrees. '51 minutes 30 seconds east, '7L6feet to a point;
",thence along the southern line of Lot No, 6, north 80 degrees, 25 minutes east,
;23.55 feet t.o the western line of Lot No.8; thence along the same south 16 degrees
' minute$ 30 seconds east, 117.31 feet to the north side of LampPost .Lane. the
la.ce of $EG1NNmG.
,:,J?I;lNG .Lctt.'~~9,"Sec:tiotl '''Bu, in Plan No. 10fPinebroo~. .aspreparedi;y'p..;P.'
· .',':ff~:n~p'~r'~;T,'iR~gi\$t~red Surveyor . of: Camp Hill, Pennsylvania, on June 29,,':?;~!QZ ......:.
l!\l'~~.#a.ndre:f~ffl~dinthei9~:tpbe.rla~dcoUn~t:.Recorde r 's Officfi f~Pla'~;e~p~;:M;1P~ij:,!%~?:r:, .,. ,
,> . "i,:).',. ..>''.';'.'.,:,. ....(;}.' '::"i:"',: ,.<,:.
BEINqpartof thesam.e,:p".~mise'sYlhic/:l,Roy'E. Stue and Mary E. Stare. his Wife:,
oytbeir Deed dated March 3'0,1959, and recorded in the Cumberland County
Recorder'sOfficein Deed .Book "A", Volume 19. Page 37, granted and conveyed
'.'.to"Pine Tr-eePoint, Inc~r.;~an1Q'",'herein. . . ,
ESER VING.However unt:.otbeprantor, itssutC:eSsors aD.d'a~'s~gns. a: five (5::)
t: oot utility easement a.long-rihe Eastern and tb~No'i.ther n Bides .of Lot No.9,
psection "Bn.described herein,
;;
[SUBJECT to the restrictions and conditions a~n recq-::ded in Mise . Book 158,
"'~:i'Page 920.
BDOICJ.20 'fACE 55
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BUilding Sketch (Page - 1)
fAleNo 006-lAFFFRTYI Paoe#131
.
Cumberland
State PA
Ii COde 17011-1440
36.00'
b
o
:,;
Second Floor
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36.00'
..(
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14.00'
17.00'
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12.00'
20.00'
- IV-
Comments:
AREA CAlCULATIONS. SUMMARY
Description SIze Net Totals
Code
GLAl
l:LA2
BSX:r
PIP
QlUl.
I"i.rat: l'~oDr
Second Floor
B..~t
Po:,ch
Qara9_
1377.0000
972.0000
864.0000
154.0000
440.0000
1377 .0000
972.0000
864.0000
154 . 0000
440.0000
LIVING. AREA. BREAKDOWN
Breakdown Subtotals
Fi.rat Floor
3.00 " 35.00 105.0000
8.00 " 18.00 144.0000
24.00 " 36.00 864 . 0000
12.00 " 22.00 264.0000
Second Floor
27.00 " 36.00 972.0000
TOTAl LIVABLE
(rounded)
2349
5 Calculations Total (rounded)
2349
Form SKT.BldSkf - 'TOT Allar Windows' appraisal sollware by a la made, inc. - 1-8DO-AlAMODf
Flood Map
IFile No 006-l AFFERTYI Pane III 141
.
Cumberland
State P A
Zi Code 17011-1440
o
Prepared for:
Appraisal Solutions (717)697-1828
www.interflood.com .1-800-252-6633
3805 Lamp Post Ln
Camp Hill, PA 17011-3624
I
~
FlOODSCAPE
FJcxx:lHazarcls Map
MlIp Number
4203600010C
Effective illite
JllflU8ry 5, 1996
For mo", informaion about
flood zones and flood
insur>>nce. cornet:
PO...."'d by Flood Sourco
en.n.FLOOO
w..,w.1loodsourc.t.oom
m Iggg.2OOll SOUI'CoPros. - FIoodSourc. Corporajons. All rigllts ruorvod. Pat.IIIS 6.631.328 and 6.678.616. Other pat....s ponding. For Info: infoilfloodsouro..com.
Fonn MAP ROOD - 'TOTAL for Windows' appraisal sotfware by a la mode, Inc. -l-BOO-ALAMODE
SUbject Photo Page
IFile No 006-LAFFFRTYI Pane #151
t
Cumberland
State P A
Ii Code 17011-1440
Subject Front
3805 Lamp Post Ln
Sales Price Refinance
Gross living Area 2,349
Total Rooms 10
T olal Bedrooms 4
TOlal Bathrooms 2.5
Location Average
VieW Typical Street
Site .28 acre
Quality Frame/Good
Age 44 Years
.~
Subject Rear
Subject Street
Form PIC3xS.SR - .TOTAL lor Wll1dows. appraisal software by a Ia mode, inc. -l-BOO-ALAMODE
Comparable Photo Page
Cumberland
Stale P A
IFile No ()()6..LAFFFRTYI Pane #161
.
Zi Code 17011-1440
Comparable 1
3815 Copper Kettle Rd
Prox. 10 Subject 0.36 miles
Sale Price 192,500
Gross living Area 2,098
Total Rooms 8
Total Bedrooms 4
Total Bathrooms 2.5
Location Average
View Avg Street
Site .29 acrelSuperio
QuaHty F rame/Good
Age 38 Years
.-\
File Photo
Comparable 2
527 Spring House Dr
Prox. to Subject 0.72 miles
Sale Price 214,000
Gross Living Area 2,087
Total Rooms 8
Total Bedrooms 4
Total Bathrooms 2.5
Location Average
View Avg Street
Site .25 acrelSuperio
QuaUty Frame/Good
Age 30 Years
Comparable 3
300 Candlelight Dr
Prox. 10 Subjecl 0.18 miles
Sale Price 249,501
Gross living Area 2,378
Total Rooms 9
T olal Bedrooms 4
Total Bathrooms 2.5
Location Average
View Avg Street
Site .33 acre/Superio
Quality Frame/Good
Age 41 Years
Form P1C3x5.CR - 'TOTAl lor Windows' appraisal software by a Ia mode, inc. -1-800-ALAMODE
.
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;0 FFI.CIAL
.DOC:UMENT
AEI\D 1lE I'OlI.OWlN<lIINFOR.....rlON CAIlEFUu.v CONCERNING VOUR UCENSE:
1 ,SlGH111E WIILLIIT CNI!>I\NOCI!RTlFICA'I'e _~ 1NDlC.II1E>.
2. Q:'T_1HE WAlJFr CAAO.-NO Cl1IU1I'lCATF. ^1 P_CJR.4\'TlON.
BRETT WESLEY LECHTHALER
16 SAN JUAN DRIVE
MECHANICSBURG PA 17055
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IFile No 006-LAFFfRTYI Panell!181
.' &
FROM:'
Brett Lechthaler
16 San Juan Drive
Mechanicsburg, PA 17055
INVOICE
006-LAFFERTY
.relephoneNumIler: 717-697-1828
Fax Number: 717-697-0220
Februal)' 13. 2006
TO:
Telephone Number:
AIemIll:,Number:
Fax Number:
E-IIaU:
Internal Oraer #:
Lender Cue #:
Client "'lie #:
Main File # on form:
Other File # on form:
Faderal Tax 10:
Employer 10:
OD6-LAFFERTY
CompleteApp/SumReport
SS# 195-54-8211
LAFFERTY - Estate of Dorothy Lafferty
,A
Lender: Estate of Dorothy Lafferty
Purchaserl8orrower: NA
Property Address: 3805 Lamp Post Ln
CIty: Camp Hili
County: Cumberland
Leg" Description: Deed Book 8-20 Page 055
Client: LAFFERTY - Estate of Dorothy Lafferty
State: PA
Zip: 17011-1440
F ufl Appraisal
300.00
Discount
-100.00
SUBTOTAL
200.00
Check #: 1001
Check #:
Check #:
Date: 2/1112006
Date:
Date:
Description: Paid
Description:
Description:
200.00
SUBTOTAL
200.00
TOTAL DUE $ 0.00
Form NIV5 - 'TOT At for Windows' appraisal software by a Ia mode, ine, _ 1-800-ALAMOOE
Appraisal Sautions (717)697-1828
.
, '"
... <<1 .
CERTIFICATE OF SERVICE
I, Todd F. Truntz, Esquire, an employee of KEEFER WOOD ALLEN &
RAHAL, LLP, certify that I this day served a copy of the foregoing PETITION FOR
LEAVE TO PURCHASE REAL PROPERTY upon the person(s) indicated below by
First Class U.S. Mail, postage prepaid at Camp Hill, Pennsylvania, and addressed
as follows:
D. Colleen Lafferty
1814 East Bell Road, No::-\.2114
Phoenix, AZ 85022 -
Ann Zobrist
8507 East Lariat Lane
Scottsdale, AZ 85255
Karen C. Lafferty
4228 East Tether Trail
Phoenix, AZ 85050
Maureen Zeplin
3202 Ashley Lane
Dover, PA 17315
:'---
KEEFER WOOD ALLEN & RAHAL, LLP
~:~~ -", -
Todd F. Tr"llntz, EsqUIre ----
Identification No. 83302
415 Fallowfield Road, Suite 301
Camp Hill, PA 17011
(717) 612-5800
Attorneys for Petitioner
DATED: September 21,2006
5