HomeMy WebLinkAbout12-29-06
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15056041125
REV-1500 EX (06-05)
PA Department of Revenue
Bureau of Individual Taxes
PO BOX 280601
Harrisburg, PA 17128-0601
ENTER DECEDENT INFORMATION BELOW
Social Security Number Date of Death
OFFICIAL USE ONLY
County Code Year
INHERITANCE TAX RETURN Y} I
RESIDENT DECEDENT c::x
File Number
OLP
LJ3<<-J
Date of Birth
31454 9 1 3 8
032 7 2 0 0 6
09271951
Decedent's Last Name
Suffix
Decedent's First Name
Tamara
MI
J
Sanders
(If Applicable) Enter Surviving Spouse's Information Below
Spouse's Last Name Suffix
Sanders
Spouse's First Name
MI
PhilIp
M
Spouse's Social Security Number
THIS RETURN MUST BE FILED IN DUPLICATE WITH THE
REGISTER OF WILLS
FILL IN APPROPRIATE OVALS BELOW
[ZJ 1. Original Return
o 4. Limited Estate
[ZJ
o
4a. Future Interest Compromise (date of
death after 12-12-82)
7. Decedent Maintained a Living Trust
(Attach Copy of Trust)
10. Spousal Poverty Credit (date of death 0 11. Election to tax under Sec. 9113(A)
between 12-31-91 and 1-1-95) (Attach Sch. 0)
CORRESPONDENT - THIS SECTION MUST BE COMPLETED. ALL CORRESPONDENCE AND CONFIDENTIAL TAX INFORMATION SHOULD BE DIRECTED TO:
Name Daytime Telephone Number
6. Decedent Died Testate
(Attach Copy of Will)
9. Litigation Proceeds Received
o
o
o
o
8. Total Number of Safe Deposit Boxes
2. Supplemental Return
o
o
3. Remainder Return (date of death
prior to 12-13-82)
5. Federal Estate Tax Return Required
Michael
J .
Whare
717 241 607 0
Firm Name (If Applicable)
Rominger
First line of address
&
Whare
REGISTER{)F WILLS USE ~L Y
,,:i?
r'<>
'..0
1 5 5
SOU t h
Hanover
S t r e e t
Second line of address
:2
City or Post Office
State
ZIP Code
bATE FILED ..
o
0....
Car lis I e
P A
17013
Correspondent's e-mail address:whare@rominQerlaw.com
Under penalties of perjury, I declare that I have examined this return, including accompanying schedules and statements, and to the best of my knowledge and belief,
it is true, correct and complete. Declaration of preparer other than the personal representative is based on all information of which preparer has any knowledge.
SIGN U E OF PERSON RES PO SIBLE FOR FILING RETURN DATE
A I J. -). 7-."
AD RESS
J ,... ,-- J' /
_.}. L "'1"\-.,,#,...
SIGNATURE OF PREPARER OTHER THAN REPRESENTATIVE
sf
('.//, ( ,
h
/701]>
I J. - :2 7-"e;,
DATE
ADDRESS
PLEASE USE ORIGINAL FORM ONLY
Side 1
L
15056041125
15056041125
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15056042126
REV-1500 EX
Decedent's Name: Tamara J. Sanders
RECAPITULATION
1. Real estate (Schedule A)
2. Stocks and Bonds (Schedule B) 2.
3. Closely Held Corporation, Partnership or Sole-Proprietorship (Schedule C) 3.
4. Mortgages & Notes Receivable (Schedule D)
5 Cash, Bank Deposits & Miscellaneous Personal Property (Schedule E)
6. Jointly Owned Property (Schedule F) 0 Separate Billing Requested. . . .
7. Inter-Vivos Transfers & Miscellaneous Non-Probate Property
(Schedule G) 0 Separate Billing Requested. . . .
8. Total Gross Assets (total Lines 1-7)
9. Funeral Expenses & Administrative Costs (Schedule H)
10. Debts of Decedent, Mortgage Liabilities, & Liens (Schedule I)
11 Total Deductions (total Lines 9 & 10)
12. Net Value of Estate (Line 8 minus Line 11) . . . . . . . . . .
13. Charitable and Governmental Bequests/Sec 9113 Trusts for which
an election to tax has not been made (Schedule J)
14 Net Value Subject to Tax (Line 12 minus Line 13)
Decedent's Social Security Number
314549138
1.
4.
o 0 0
4 6 5 8 5.3 3
4 0 2 6 5 5.0 0
5.
6.
7.
8.
4 4 9 2 4 0.3 3
1897465
2 1 5 0 0 0.0 0
233974.65
215265.68
9.
10.
. 11.
12.
. 13.
..14.
215265.68
TAX COMPUTATION - SEE INSTRUCTIONS FOR APPLICABLE RATES
15 Amount of Line 14 taxable
at the spousal tax rate, or
transfers under Sec. 9116
(a)(12)X.0_ 1 0 0.0
16. Amount of Line 14 taxable
at lineal rate XO 0 . 0
17. Amount of Line 14 taxable
at sibling rate X .12 0 . 0
18 Amount of Line 14 taxable
at collateral rate X .15 0 . 0
19. Tax Due
0 15. o . 0 0
0 16. o . 0 0
0 17. o . 0 0
0 18. O. 0 0
19. o . 0 0
20. FILL IN THE OVAL IF YOU ARE REQUESTING A REFUND OF AN OVERPAYMENT
Side 2
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15056042126
o
15056042126
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REV-1500 EX Page 3
Decedent's Complete Address:
DECEDENTS NAME
Tamara J. Sanders
STREET ADDRESS
15 Maybelle Court
File Number
o 0
CITY
Mechanicsburg
STATE
PA
ZIP
17055
Tax Payments and Credits:
1 Tax Due (Page 2 Line 19)
2. Credits/Payments
A Spousal Poverty Credit
B. Prior Payments
C. Discount
(1)
0.00
Total Credits (A + B + C) (2)
3. Interest/Penalty if applicable
D. Interest
E. Penalty
0.00
Total Interest/Penalty ( 0 + E) (3)
4. If Line 2 is greater than Line 1 .,. Line 3, enter the difference. This is the OVERPAYMENT.
Fill in oval on Page 2, 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)
0.00
0.00
0.00
A. Enter the interest on the tax due.
B. Enter the total of Line 5 + 5A. This is the BALANCE DUE.
(5A)
(58)
0.00
Make Check Payable to: REGISTER OF WILLS, AGENT
PLEASE ANSWER THE FOLLOWING QUESTIONS BY PLACING AN "X"IN THE APPROPRIATE BLOCKS
1. Did decedent make a transfer and: Yes No
a. retain the use or income of the property transferred; ............................... ..................... .................. 0 ~
~. ~:::ii~ ~h~e~;~:i~~~~s:~~~~es;~~ S~.~~I. ~~~ .t.~~ .~r~~~~~. ~~~.~~~~:r~.~ .~.r ~t~. ~~~~.~e.;......::::::::::::::::::::::::::::::: 8 f!
d. receive the promise for life of either payments, benefits or care? ............................................ ....... .... 0 [:2?l
2. If death occurred after December 12, 1982, did decedent transfer property within one year of death
without receiving adequate consideration? ....................................................................................... 0
3. Did decedent own an "in trust for" or payable upon death bank account or security at his or her death? ......... 0
4. Did decedent own an Individual Retirement Account, annuity, or other non-probate property which
contains a beneficiary designation? .................................................................................................. 0
~
00
IF THE ANSWER TO ANY OF THE ABOVE QUESTIONS IS YES, YOU MUST COMPLETE SCHEDULE G AND FILE IT AS PART OF THE RETURN.
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 three (3) percent [72 P.S. 99116 (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 zero (0) percent
[72 P S 99116 (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 zero (0) percent [72 P.S. 99116(a)(1.2)].
The tax rate imposed on the net value of transfers to or for the use of the decedent's lineal beneficiaries is four and one-half (4.5) percent, except as noted in
72 PS 99116(1.2) [72 P.S. 99116(a)(1)].
The tax rate imposed on the net value of transfers to or for the use of the decedent's siblings is twelve (12) percent [72 P.S. 99116(a)(1.3)]. A sibling is defined, under
Section 9102, as an individual who has at least one parent in common with the decedent, whether by blood or adoption.
REV-1502 EX + (6-98)
.
SCHEDULE A
REAL ESTATE
COMMONWEALTH OF PENNSYLVANIA
INHERITANCE TAX RETURN
RESIDENT DECEDENT
ESTATE OF FILE NUMBER
Tamara J. Sanders 0 0
All real property owned solely or as a tenant in common must be reported at fair market value. Fair market value is defined as the price at which property would be
exchanged between a willing buyer and a willing seller, neither being compelled to buy or sell, both having reasonable knowledge of the relevant facts.
Real property which is jointly-owned with riaht of survivorshio must be disclosed on Schedule F.
ITEM
NUMBER
1.
DESCRIPTION
VALUE AT DATE
OF DEATH
TOTAL (Also enter on line 1, Recapitulation) $
(If more space is needed, insert additional sheets of the same size)
REV-1503 EX + (6-98)
.
CCl~/'MONWEAL TH OF PENNSYLVANIA
INHERITANCE TAX RETURN
RESIDENT DECEDENT
SCHEDULE B
STOCKS & BONDS
ESTATE OF
Tamara J. Sanders
FILE NUMBER
o 0
All property jointly-owned with right of survivorship must be disclosed on Schedule F.
IT[~,,}
~i'JMBEP.
DESCRIPTION
VALUE)lJ D/\TE
OF DEA Tf!
1.
TOTAL (Also enter on line 2, Recapitulation) $
(If more space is needed, insert additional sheets of the same size)
REV-1504 EX + (6-98)
COMMONWEALTH OF PENNSYLVANIA
INHERITANCE TAX RETURN
RESIDENT DECEDENT
SCHEDULE C
CLOSEL Y.HELD CORPORATION,
PARTNERSHIP OR
SOLE.PROPRIETORSHIP
ESTATE OF
Tamara J. Sanders
FILE NUMBER
o 0
Schedule C-1 or C-2 (including all supporting information) must be attached for each closely-held corporation/partnership interest of the decedent, other than a
sole-proprietorship. See instructions for the supporting information to be submitted for sole-proprietorships.
ITEM
NUMBER
1.
DESCRIPTION
VALUE AT DATE
OF DEATH
TOTAL (Also enter on line 3, Recapitulation) $
(If more space is needed, insert additional sheets of the same size)
REV-1505 EX + (6-98)
'*
SCHEDULE C-1
CLOSELY-HELD CORPORATE
STOCK INFORMATION REPORT
COMMONWEALTH OF PENNSYLVANIA
INHERITANCE TAX RETURN
RESIDENT DECEDENT
ESTATE OF
Tamara J. Sanders
FilE NUMBER
o 0
Name of Corporation
Address
City
2. Federal Employer 1.0. Number
3. Type of Business
State
Zip Code
State of Incorporation
Date of Incorporation
Total Number of Shareholders
Business Reporting Year
Product/Service
4.
: STOCK TYPE TOTAL NUMBER OF PAR VALUE NUMBER OF SHARES VALUE OF THE
Voting/Non-Voting SHARES OUTSTANDING OWNED BY THE DECEDENT DECEDENT'S STOCK
Common $
Preferred $
Provide all rights and restrictions pertaining to each class of stock.
5 Was the decedent employed by the Corporation? . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0 Yes 0 No
If yes, Position Annual Salary $ Time Devoted to Business
6. Was the Corporation indebted to the decedent? ....................................... 0 Yes 0 No
If yes, provide amount of indebtedness $
7. Was there life insurance payable to the corporation upon the death of the decedent? ............... 0 Yes 0 No
If yes, Cash Surrender Value $ Net proceeds payable $
Owner of the policy
8. Did the decedent sell or transfer stock in this company within one year prior to death or within two years
if the date of death was prior to 12-31-82?
DYes 0 No If yes, 0 Transfer 0 Sale Number of Shares
Transferee or Purchaser Consideration $ Date
Attach a separate sheet for additional transfers and/or sales.
9. Was there a written shareholder's agreement in effect at the time of the decedent's death? . . . . . . . . . . . . 0 Yes 0 No
If yes, provide a copy of the agreement.
10. Was the decedent's stock sold? .................................................0 Yes 0 No
If yes, provide a copy of the agreement of sale, etc.
11. Was the corporation dissolved or liquidated after the decedent's death? ....................... 0 Yes 0 No
if yes, provide a breakdown of distributions received by the estate, including dates and amounts received.
12. Did the corporation have an interest in other corporations or partnerships? . . . . . . . . . . . . . . . . . . . . .. 0 Yes 0 No
if yes, report the necessary information on a separate sheet, including a Schedule C-1 or C-2 for each interest.
THE FOLLOWING INFORMATION MUST BE SUBMITTED WITH THIS SCHEDULE
A Detailed calculations used in the valuation of the decedent's stock.
B. Complete copies of financial statements or Federal Corporate Income Tax returns (Form 1120) for the year of death and 4 preceding years
C. It the corporation owned real estate, submit a list showing the complete address/es and estimated fair market value/s. If real estate appraisals have
been secured, attach copies.
D. List of principal stockholders at the date of death, number of shares held and their relationship to the decedent.
E. List of officers, their salaries, bonuses and any other benefits received from the corporation.
F. Statement of dividends paid each year. Ust those declared and unpaid.
G Any other information relating to the valuation of the decedent's stock.
(If more space is needed, insert additional sheets of the same size)
REV-1506 EX + (9-00)
SCHEDULE C-2
PARTNERSHIP
INFORMATION REPORT
COMMONWEALTH OF PENNSYLVANIA
INHERITANCE TAX RETURN
RESIDENT DECEDENT
ESTATE OF
Tamara J. Sanders
FILE NUMBER
o 0
1. Name of Partnership
Address
Date Business Commenced
Business Reporting Year
City
State
Zip Code
2 Federal Employer 10. Number
3. Type of Business Product/Service
4. Decedent was a D General D Limited partner. If decedent was a limited partner, provide initial investment $
5.
PARTNER NAME PERCENT PERCENT BALANCE OF
OF INCOME OF OWNERSHIP CAPITAL ACCOUNT
A.
B
C
D
6. Value of the decedent's interest $
7. Was the Partnership indebted to the decedent? ................................ DYes D No
If yes, provide amount of indebtedness $
8. Was there life insurance payable to the partnership upon the death of the decedent? ........ DYes D No
If yes, Cash Surrender Value $ Net proceeds payable $
Owner of the policy
9. Did the decedent sell or transfer an interest in this partnership within one year prior to death or within two years if the date of death was
prior to 12-31-82?
DYes D No If yes, D Transfer D Sale Percentage transferred/sold
Transferee or Purchaser Consideration $ Date
Attach a separate sheet for additional transfers and/or sales.
10. Was there a written partnership agreement in effect at the time of the decedent's death? . . . . . . . DYes D No
If yes, provide a copy of the agreement.
11. Was the decedent's partnership interest sold? . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .. DYes D No
If yes, provide a copy of the agreement of sale, etc.
12. Was the partnership dissolved or liquidated after the decedent's death? ................. DYes D No
If yes, provide a breakdown of distributions received by the estate, including dates and amounts received.
13. Was the decedent related to any of the partners? . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .. DYes D No
If yes, explain
14. Did the partnership have an interest in other corporations or partnerships? . . . . . . . . . . . . . . . . DYes D No
If yes, report the necessary information on a separate sheet, including a Schedule C-1 or C-2 for each interest.
THE FOllOWING INFORMATION MUST BE SUBMITTED WITH THIS SCHEDULE
A. Detailed calculations used in the valuation of the decedent's partnership interest.
B. Complete copies of financial statements or Federal Partnership Income Tax returns (Form 1065) for the year of death and 4 preceding years.
C. If the partnership owned real estate, submit a list showing the complete address/es and estimated fair market value/s. If real estate appraisals have
been secured, attach copies.
D. Any other information relating to the valuation of the decedent's partnership interest.
REV-1t>07 EX + (6-98)
SCHEDULE D
MORTGAGES & NOTES
RECEIVABLE
COMMONWEALTH OF PENNSYLVANIA
INHERITANCE TAX RETURN
RESIDENT DECEDENT
ESTATE OF
Tamara J. Sanders
FILE NUMBER
o 0
All property jointly-owned with the right of survivorship must be disclosed on Schedule F.
ITEM
NUMBER
1.
DESCRIPTION
VALUE AT DATE
OF DEATH
TOTAL (Also enter on line 4, Recapitulation) $
(If more space is needed, insert additional sheets of the same size)
0.00
REV-15G8 EX + (6-98)
.
COMMONWEALTH OF PENNSYLVANIA
INHERITANCE TAX RETURN
RESIDENT DECEDENT
SCHEDULE E
CASH, BANK DEPOSITS, & MISC.
PERSONAL PROPERTY
ESTATE OF
Tamara J. Sanders
FILE NUMBER
o 0
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.
ITEM
NUMBER
1.
DESCRIPTION
VALUE AT DATE
OF DEATH
46,585.33
Estate Account
TOTAL (Also enter on line 5, Recapitulation) $
(If more space is needed, insert additional sheets of the same size)
46,585.33
REV-1509 EX + (6-98)
.
COMMONWEALTH OF PENNSYLVANIA
INHERITANCE TAX RETURN
RESIDENT DECEDENT
SCHEDULE F
JOINTLY-OWNED PROPERTY
ESTATE OF
Tamara J. Sanders
FILE NUMBER
o 0
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 Philip M. Sanders
15 Maybelle Court, Mechanicsburg, PA 17055
Spouse
B
c
JOlNTL ,(.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 DECO'S VALUE OF
NUMBER TENANT JOINT IDENTIFYING NUMBER. ATTACH DEED FOR JOINTLY-HELD REAL ESTATE. VALUE OF ASSET INTEREST DECEDENTS INTEREST
1 A. 15 Maybelle Court, Mechanicsburg, PA 805,310.00 50. 402,655.00
TOTAL (Also enter on line 6, Recapitulation) $ 402,655.01
(If more space is needed, insert additional sheets of the same size)
REV-1510 EX + (6-98)
.
COMMONWEALTH OF PENNSYLVANIA
INHERITANCE TAX RETURN
RESIDENT DECEDENT
SCHEDULE G
INTER-VIVOS TRANSFERS &
MISC. NON. PROBATE PROPERTY
ESTATE OF
Tamara J. Sanders
FILE NUMBER
o 0
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 TRANSFEREE, THEIR 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
(IF APPLiCABLEI
1.
I
TOTAL (Also enter on line 7 Recapitulation) $
(If more space is needed, insert additional sheets of the same size)
RW' C" EX' 1".0.
v;)MMONWEALTH OF PENNSYLVANIA
INHERITANCE TAX RETURN
RESIDENT DECEDENT
ESTATE OF
Tamara J. Sanders
SCHEDULE K
LIFE ESTATE, ANNUITY
& TERM CERTAIN
Check Box 4 on Rev-1500 Cover Sheet
FILE NUMBER
o 0
This schedule is to be used for all single life, joint or successive life estate and term certain calculations. For dates of death prior to 5-1-89,
actuarial factors for single life calculations can be obtained from the Department of Revenue, Specialty Tax Unit.
Actuarial factors can be found in IRS Publication 1457, Actuarial Values, Alpha Volume for dates of death from 5-1-89 to 4-30-99,
and in Aleph Volume for dates of death from 5-1-99 and thereafter.
Indicate the type of instrument which created the future interest below and attach a copy to the tax return.
D Will D Intervivos Deed of Trust D Other
LIFE ESTATE INTEREST CALCULATION
NAME(S) OF LIFE TENANT(S) DATE OF BIRTH NEAREST AGE AT TERM OF YEARS
DATE OF DEATH LIFE ESTATE IS PAYABLE
D Life or DTerm of Years
D Life or DTerm of Years
D Life or DTerm of Years
D Life or DTerm of Years
D Life or DTerm of Years
1. Value of fund from which life estate is payable . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $
2. Actuarial factor per appropriate table. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Interest table rate - 031/2% 06% 010% OVariable Rate %
3. Value of life estate (Line 1 multiplied by Line 2) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $
n/ln: nl' RIDTI.l
LJAI ~ Ur UI:AI t1 ANNUli I I.:>....A I AtSLI:
D Life or D Term of Years
D Life or D Term of Years
D Life or D Term of Years
D Life or D Term of Years
-
Value of fund from which annuity is payable .......................................... $
2. Check appropriate block below and enter corresponding (number) . . . . . . . . . . . . . . . . . . . . . . . . . . .
Frequency of payout - D Weekly (52) D Bi-weekly (26) D Monthly (12)
D Quarterly (4) D Semi-annually (2) D Annually (1) D Other (
3 Amount of payout per period. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $
4. Aggregate annual payment, Line 2 multiplied by Line 3 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
5 Annuity Factor (see instructions)
Interest table rate - D 31/2% D 6% 010% D Variable Rate
%
6. Adjustment Factor (see instructions) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
7. Value of annuity - If using 3 1/2%, 6%, 10%, or if variable rate and period
payout is at end of period, calculation is: Line 4 x Line 5 x Line 6 ...........................$
If using variable rate and period payout is at beginning of period, calculation is:
(Line 4 x Line 5 x Line 6) + Line 3 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $
NOTE The values of the funds which create the above future interests must be reported as part of the estate assets on Schedules A through
G of this tax return. The resulting life or annuity interest(s) should be reported at the appropriate tax rate on Lines 13 and 15 through 18.
(If more space is needed, insert additional sheets of the same size)
REV -1645 EX + (3-84) INHERITANCE TAX
SCHEDULE L- 1
COAMONWEALTH OF PENNSYLVANIA REMAINDER PREPAYMENT ELECTION
INHERITANCE TAX RETURN 0 0
RESIDENT DECEDENT -ASSETS- FILE NUMBER
I. Estate of Sanders Tamara J.
(Last Name) (First Name) (Middle Initial)
II. Item No. Description Value
A. Real Estate (please describe)
T ota I va I ue of rea I estate $
(include on Section II, Line C-1 on Schedule L)
B. Stocks and Bonds (please list)
Total value of stocks and bonds $
(include on Section II, Line C-2 on Schedule L)
C. Closely Held Stock/Partnership (attach Schedule C- 1 and/or C-2)
(please list)
Total value of Closely Held/Partnership $
(include on Section II, Line C-3 on Schedule L)
D. Mortgages and Notes (please list)
Total value of Mortgages and Notes $
(include on Section II, Line C-4 on Schedule L)
E. Cash and Miscellaneous Personal Property (please list)
Total value of Cash/Misc. Pers. Property $
{include on Section II Line C-5 on Schedule Ll
III. TOTAL (Also enter on Section II, Line C-6 on Schedule L) $
(If more space is needed, attach additional 81/2 x 11 sheets.)
REV -1646 EX + (3-84)
*'
INHERITANCE TAX
SCHEDULE L-2
REMAINDER PREPAYMENT ELECTION
-CREDITS-
COMMONWEALTH OF PENNSYLVANIA
INHERITANCE TAX RETURN
RESIDENT DECEDENT
I. Estate of
II. Item No.
III.
FilE NUMBER
Sanders Tamara J.
(Last Name)
(First Name)
Description
A. Unpaid liabilities Claimed against Original Estate, and payable from assets
reported on Schedule l-l (please list)
Total unpaid liabilities $
(include on Section II, line 0-1 on Schedule l)
B. Unpaid Bequests payable from assets reported on Schedule l- 1 (please list)
Total unpaid bequests $
(include on Section II, line 0-2 on Schedule l)
C. Value of assets reported on Schedule l-l (other than unpaid bequests listed under
"B" above) that are not included for tax purposes or that do not form a part
of the trust.
Computation as follows:
Total unincludable assets
(include on Section II, line 0-3 on Schedule l)
TOTAL (Also enter on Section II, line 0-4 on Schedule l)
(If more space is needed, attach additional 81J2 x 11 sheets.)
o 0
(Middle Initial)
Amount
$
$
REV-1647 EX + (9-00)
SCHEDULE M
FUTURE INTEREST COMPROMISE
COMMONWEALTH OF PENNSYLVANIA
INHERITANCE TAX RETURN
RESIDENT DECEDENT
Check Box 4a on Rev.1500 Cover Sheet
FilE NUMBER
ESTATE OF
Tamara J. Sanders 0 0
This Schedule is appropriate only for estates of decedents dying after December 12,1982.
This schedule is to be used for all future interests where the rate of tax which will be applicable when the future interest vests in
possession and enjoyment cannot be established with certainty.
Indicate below the type of instrument which created the future interest and attach a copy to the tax return.
D Will D Trust D Other
I. Beneficiaries
NAME OF BENEFICIARY RELA TIONSH IP DATE OF BIRTH AGE TO
NEAREST BIRTHDAY
1
2.
3.
4.
5.
II. For decedents dying on or after July 1, 1994, if a surviving spouse exercised or intends to exercise a right of withdrawal within
9 months of the decedent's death, check the appropriate block and attach a copy of the document in which the surviving spouse
exercises such withdrawal right.
D Unlimited right of withdrawal D Limited right of withdrawal
III. Explanation of Compromise Offer:
IV. Summary of Compromise Offer:
1. Amount of Future Interest . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $
2. Value of Line 1 exempt from tax as amount passing to charities, etc.
(also include as part of total shown on Line 13 of Cover Sheet) ...... $
3. Value of Line 1 passing to spouse at appropriate tax rate
Check One 0 6%, 0 3%, 0 0% ................ $
(also include as part of total shown on Line 15 of Cover Sheet)
4. Value of Line 1 taxable at lineal rate
Check One 0 6%, 0 4.5% ...................... $
(also include as part of total shown on Line 16 of Cover Sheet)
5. Value of Line 1 taxable at sibling rate (12%)
(also include as part of total shown on Line 17 of Cover Sheet) ...... $
6. Value of Line 1 taxable at collateral rate (15%)
(also include as part of total shown on Line 18 of Cover Sheet) ...... $
7. Total value of Future Interest (sum of Lines 2 thru 6 must equal Line 1) ..................... $
(If more space is needed, insert additional sheets of the same size)
REV-1648 EX (11-9*
COMMONWEALTH OF PENNSYLVANIA
INHeRITANCE TAX DIVISION (AVAILABLE FOR DATES OF DEATH 01/01/92 to 12/31/94)
ESTATE OF FILE NUMBER
Tamara J. Sanders 0 0
This schedule must be completed and filed if you checked the spousal poverty credit box on the cover sheet.
SCHEDULE N
SPOUSAL POVERTY CREDIT
PART 1- CALCULATION OF GROSS ESTATE
Taxaole Assets total from line 8 (cover sheet) ....
1.
449,240.33
2. Insurance Proceeds on Life of Decedent ..................
2
3. Retirement Benefits ..
3
4. Joint Assets with Spouse.
4
5. PA Lottery Winnings.
5.
6a Other Nontaxable Assets: List (Attach schedule if necessary) ..
6a.
6b.
6c.
6d.
6 SUBTOTAL (Lines 6a, b, c, d) .
6
7. Total Gross Assets (Add lines 1 thru 6) ..............
7.
449,240.33
Net Value of Estate (Subtract line 8 from line 7) ................................ ............................. ...................
If line 9 is greater than $200,000 - STOP. The estate is not eligible to claim the credit. If not, continue to Part 1/
8.
9.
449,240.33
8
9
Total Actual Liabilities ... .
PARTII - CALCULATION OF JOINT EXEMPTION INCOME - (Attach copies of Federal Individual Income
Tax Return for decedent and spouse.)
Income: 1. TAX YEAR: 19 2. TAX YEAR: 19 3. TAX YEAR: 19
a. Spouse. . ........... 1a. 2a. 3a.
b Decedent. .......... ...... 1b. 2b 3b.
c. Joint ... o . . . . . . . . . . , . ....... 1c. 2c. 3c.
d Tax Exempt Income ..... 1d. 2d. 3d.
e. Other Income not
listed above. ....... ........ 1e. 2e. 3e.
t. Total... ..... ....... H. 21. 31.
4. Average Joint Exemption Income Calculation
4a Add Joint Exemption Income from above:
(1f)
+ (2f)
+ (3f)
(-;-3)
4b Average Joint Exemption Income ... ................ .......................... ...................
If line 4(b) is greater then $40.000 - STOP. The estate is not eligible to claim the credit. If not, continue to Part Ill.
PART III - CALCULATION OF SPOUSAL POVERTY CREDIT FOR RESIDENT AND NONRESIDENT ESTATES
Insert amount of taxable transfers to spouse or $100,000, whichever is less
1.
2. Multiply by credit percentage (see instructions) .................... ......................................
3. This is the amount of the Resident Spousal Poverty Credit. Include this figure
in the calculation of total credits on line 18 of the cover sheet. ................... ...................
4. For Nonresidents, enter the ratio of the decedent's gross estate in PA to the value of the
decedent's gross estate ........ ........................ ............... ................. ...................
5 Multiply line 3 by line 4 and enter the total here. This is the amount of the Nonresident Spousal
Poverty Credit. Include this figure in the calculation of total credits on line 18 of the cover sheet
2.
3
4.
5.
REV-1649 EX + (6-98)
'*'
SCHEDULE 0
ELECTION UNDER SEC. 9113(A)
(SPOUSAL DISTRIBUTIONS)
COMMONWEALTH OF PENNSYLVANIA
INHERITANCE TAX RETURN
RESIDENT DECEDENT
ESTATE OF FILE NUMBER
Tamara J. Sanders 0 0
Do not complete this schedule unless the estate is making the election to tax assets under Section 9113(A) ofthe Inheritance & Estate Tax Act.
If the election applies to more than one trust or similar arrangement, a separate form must be filed for each trust.
Trust (marital, residual A, B, By-pass, Unified Credit, etc.),
This election applies to the
If a trust or similar arrangement meets the requirements of Section 9113(A), and:
a, The trust or similar arrangement is listed on Schedule 0, and
b, The value of the trust or similar arrangement is entered in whole or in part as an asset on Schedule 0,
then the transferor's personal representative may specifically identify the trust (all or a fractional portion or percentage) to be included in the election to have such trust or sim-
ilar property treated as a taxable transfer in this estate, If less than the entire value of the trust or similar property is included as a taxable transfer on Schedule 0, the personal
representative shall be considered to have made the election only as to a fraction of the trust or similar arrangement. The numerator of this fraction is equal to the amount of
the trust or similar arrangement included as a taxable asset on Schedule 0, The denominator is equal to the total value of the trust or similar arrangement.
Part A: Enter the description and value of all interests, both taxable and non-taxable, regardless of location, which pass to the decedent's
surviving spouse under a Section 9113 A) trust or similar arrangement.
Description
Value
Part A Total $
Part B: Enter the descri tion and value of all interests included in Part A for which the Section 9113 A election to tax is bein made.
Description Value
Part B Total $
(If more space is needed, insert additional sheets of the same size)
REV-1500 Discount, Interest and Penalty Worksheet
Discount Calculation
Total Amount Paid within three calendar months of the decedent's date of death:
Discount:
0.00
Interest Table
Year
Days Delinquent
this time period
Balance Due
this year
Interest
this period
Before 1981
1982
1983
1984
1985
1986
1987
1988 through 1991
1992
1993 through 1994
1995 through 1998
1999
2000
2001
2002
2003
2004
2005
2006
TOTALS
Penalty Calculation
If the decedent's date of death was on or before March 31, 1993, insert the applicable amount:
Total Balance Due on January 17, 1996:
Penalty
,
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LAST WILL AND TEST AMENT
OF
TAMARA J. SANDERS
I, TAMARA J. SANDERS, a resident of and domiciled at 111 Candlelight Drive, Carlisle,
Cumberland County, Pennsylvania, being of sound mind and disposing intent, do hereby make, publish
and declare this instrument to be my Last Will and Testament, expressly revoking all Wills and Codicils
heretofore made by me.
ITEM I
I hereby direct my Executor to pay all my debts, funeral and administrative expenses out of my
estate, as soon as practicable after my death.
ITEM n
I direct that all taxes which may be assessed in consequence of my death of whatever nature and
by whatever jurisdiction imposed, shall be paid out of my estate as a part of its administration.
ITEM ill
I direct that I be given a funeral commensurate with my station in life.
ITEM IV
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I give, devise and bequeath all the remainder of my estate, of every nature and\yhereyer situatei~~
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to my husband, PHILLIP M. SANDERS, if he survives me.
, "
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ITEM V
If my husband, PHILLIP M. SANDERS:does not survive me, then I direcfthanhe remainder
of my estate, of every nature and wherever situated, to the extent the directive accompanying my Will
fails to dispose of my personal property, be divided equally between my two children, JESSICA M.
Page 1 of 5
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to
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SANDERS and JENNIFER A. SANDERS, per stirpes. If a child of mine should die without issue, then
her share of my estate shall be added to the share of the child who survives me.
ITEM VI
In the event my husband, PHILLIP M. SANDERS, and I should die simultaneously or under
circumstances as to render it impossible to determine who predeceased the other, or within thirty (30)
days of each other as the result of a common accident, I shall be deemed to have survived him.
ITEM vn
Should the gift in Paragraph V fail, for whatever reason, I give, devise and bequeath all the rest,
residue and remainder of my estate as follows:
1/4 (25%) of my estate to be divided equally among my husband's siblings; PRENTICE M.
SANDERS, JERRY J. SANDERS, LINDA K. ROLEN, MICHAEL B. SANDERS and DAVID A.
SANDERS, per stirpes;
1/4 (25%) to CHARLES H. BITNER, JR.;
1/2 (50%) to my sister, VICKI TUELL, to be used as she sees fit for the care, support and
maintenance of our brother, RICKY STEVENS.
ITEM vm
In addition to the powers conferred by law, I authorize my Executor acting under this instrument,
in his absolute discretion, to:
(a) To retain in the form received, or to sell either at public or private sale, any real or personal
property;
(b) To exercise any options to subscribe for stocks, bonds, or other investments;
(c) To join in any plan of lease, mortgage, consolidation, exchange, reorganization or foreclosure
Page 2 of 5
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of any corporation in which my estate or any trust may hold stocks. bonds or other securities;
(d) To sell. transfer. convey. mortgage. pledge. lease or exchange any property. real or personal.
which at any time may form part of my estate. for the payment of debts or taxes. or for any purpose of
administration or distribution. for such prices and upon such terms as my Executor. in his discretion. may
deem wise. and to execute and deliver deeds of conveyance or transfer thereof;
(e) To make settlements and compromises on such terms as my Executor in his discretion may
deem wise without the necessity of obtaining any court approval thereof;
(f) To make distribution hereunder either in cash or kind. as my Executor in his discretion may
deem wise.
ITEM IX
I hereby nominate. constitute and appoint PHILLIP M. SANDERS. as Executor of this my Last
Will and Testament. In the event of his renunciation. death. resignation or inability to act for any reason
whatsoever. I nominate. constitute and appoint my daughters. JESSICA M. SANDERS and JENNIFER
A. SANDERS. as Alternate Co-Executrices.
ITEM X
I hereby direct that no Trustee or Executor or other Fiduciary named or appointed by this Will
shall be required to post any bond or give security of type for any purpose whatsoever. in any
jurisdiction in which he/she may be called upon to act. insofar as I am able by law to do.
IN WITNESS WHEREOF. I have set my hand and seal this ;IJ
day of
~~j~
. 1995.
J~~~
TAMARA J. S NDERS
Page 3 of 5
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SIGNED, SEALED, PUBLISHED and DECLARED by the above Testatrix as and for his Last
Will, in the presence of us, who thereupon at her request, in her presence and in the presence of each
other, have hereunto subscribed our names as witnesses.
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Witness
u~
Address
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Address
STATE OF PENNSYLVANIA
SS.
COUNTY OF CUMBERLAND
We, TAMARA 1. SANDERS, ---JGtYle-.s -J. t{tI<yu and
.~-tY- Ltlc.. R &0/JIYl.- , the Testatrix and the witnesses, respectively, whose names
are signed to the foregoing instrument, being first duly sworn, do hereby declare to the undersigned
authority that the Testatrix signed and executed the instrument as her Last Will and that she signed
willingly, and that she executed it as her free and voluntary act for the purposes therein expressed, and
that each of the witnesses, in the presence and hearing of the Testatrix, signed the Will as witnesses and
Page 4 of 5
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that to the best of each witness' knowledge and belief the Testatrix was at that time eighteen years of
age or older, of sound mind and under no undue constraint or influence.
J~ 9-~~
Testatrix
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Witness
Subscribed, sworn to and acknowledged before me by TAMARA 1. SANDERS, the Testatrix,
and subscribed and sworn to before me by ---.J(] VYI. es ~ . ,f1o.yer and
~--TnU.JA. 'f2. tsf <11<11\... witnesses, this ~ day Of==s.e.~C ,1995.
~~~
Notary Public
NOTARIAL SEAL
DENISE SNIDER. NOTARY PUBLIC
CARLISLE BORO. CUMBERLAND COUNTY
MY COMMISSION EXPIRES OCT. 28. 1996
Member, Pennsylvania Associatiln of Notaries
Page 5 of 5
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07/26/95
SPECIAL BEQUESTS
'f MfARA 1. SANDERS
To my beloved daughter, Jessica, I leave the following:
1. Diamond tennis bracelet
2. Diamond solitaire necklace
3. Grandfather clock
4. Crystal City 'l>
To my beloved daughter, Jennifer, I leave the following:
1. Diamond wedding ring
2. Diamond earrings
3. Irene Spencer paintings
4. Crystal Train
5. Department 56 collection
It is our wish that ifwe should both die simultaneously, that you divide the furnishings of
the house equally, first choice going to the toss of a coin as we have discussed.
~~
tfI/ddt /" S-
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71 72580862
TRI COUNTY ABSTRACT
PAGE 02
- '~Gl(,p -( A
: ; .~ Fee Simple Deed
, . ~L...' \
T his Deed, made on AprU 01, 2002, betWeen,
. ,~ DEEBS
. ~_~ ~.1l; ::. r; U. ~~;) C 0 U NT Y - P A
Darry S. Claypool, Sr. aDd. Maybelle L. Claypool, husband and wif~2 APR 5 RM 9 03
hereinafter called the Grantor(s), of the one part, and
Phillip Sanden and. Tamara Sauders, husband and wife,
hereinafter called the Grantee(s), of the other part.
Witnesseth, that in consideration of Sevell Hundred Thousand dollan " DO ceJlts, (5700,000.00) in
hand paid, the receipt whereof is hereby acknowledged, the said GrantoI(s) do( es) hereby grant and convey unto
the said Orantec(s), hislher/their heirs and assigns,
ALL THAT CERTAIN tract ofland situate in Hampden Township, Cumberland County, 1:'ennsyvian.ia,
being Lot No. 101 as shovm on the Plan entitled Pinehurst Final Subdivision Plan, Phase IVB, dated AUSUst ~,Cj
if96, and recorded in Plan Book 73, Page 66, more particularly bounded Knd described as follows, to wit:
tJ; .~
, BEGrNNING at an iron pin lying in a northerly right of way line of Maybelle Court, (50 foot right of
~j,y) and being an easterly comer of Lot No. 102; thence along Lot No. 102 North 07 degrees 12 minutes 16
seconds West 229.60 feet to an iron pin, being a northedy corner of Lot No.1 02 and lying in a southerly line of
Lot No. 103; thence along Lot No. 103, lands now or late of Jack A and Patricia A Brightbill, and lands now or
latc;ofRichard R. and Kathryn. Roth North 82 degrees 46 minutes 29 seconds East, 238.46 feet to an iron pin
lying in a southerly line of the Roth lands and being a westerly comer of Lot No. 100; thence along ~t No. 100
South. 27 degrees 57 minutes 54 seconds West 208.73 feet to an iron pin, being a westerly comer of Lot No. 100
and lying in a north~ly right of way of Maybelle Court cuI de sac (60 feet radius); thence along said right of
way, along a curve to the left, having a chord bearing of South 60 degrees 27 minutes 45 seconds West a chord
distance of 101.21 f~ a radius of 60.00 feet and an arc length of 120.43 feet to an iron pin; thence continuing.
along said right of way along a curve to the right having a chord bearing of South 42 degrees 52 minutes 39
seconds West, a chord distance of 32.08 feet, a radius of 25.00 feet and an 8J.'C length. of 34.83 feet to an iron
pin, the place ofBEOINNING.';"~ ..
'''{.., r. ~.f}l.'.
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; r );} HAVING TIlEREON ERECTED a dwelling house known as 15 Maybelle Court.
...~;:. BEING the sm:ne premises which Claypool Custom Homes, Inc., a Pennsylvania corporation, granted
an(fconveyed unto Harry S. Claypool, Sr. and Maybelle L. Claypool, husband and wife, by Deed dated
111i6/1997 and recorded 12/1/1997 in tbe Recorder's Office of Cumberland COlmty, Pennsylvania, in Deed
Book Volume 168 Page 781. ;;: &2 &2 9 ~ 9 ~ S g ~ ~ ~ ::i'
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71 72580862
TRI COUNTY ABSTRACT
PAGE 03
And the sa id Gnmtor(s) do(es) hereby covenant to and with the said Gnudee(s) that helshe/they, the said. Grantor(s),
hislher/their heirs and assigns, SHALL end WILL, W8Jmlt and forever defeDd the herein above described premises, with
tbe.hereditamelrts and appurtelllDees, unto the said Grantee(s), hislher/their heirs aud assigns, against the said Gr8Iltot(s)
am:t~gainst every other person lawfully claiming or who sball hereafter claim the same or any part tben:of, by, from or
under h.im/her/them or any of them.
In witness whereof, the said Grantor(s) haslhave caused these presents to be duly executed the day and year first
above written.
~ --i ~~_ Seal
. rry S, Claypool, Sr.
~~ ~~s.al
C7J eUe L. Claypool
Seal
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state of PeJlDsylvaala
County of Dauphin
.... .
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Orf'April 01, 1002, before me, the undersigned officer, per.rcmally appea.-edBarry S. Cla)'pOOI. Sr. aDd Maybelle L
q8ypOOl, bUlbaDd and wife, known to me {or salisfactorily proven} to be the persoo(s) whose name(s) Ware subscn"bed
to the within inst:rur.nent and acknowledged that he/sheltbey executed the same for the pUIpOses therein contained.
hf!f~-
. otary Pu lie
In witness whereof, I bereunto set my band aDd official seal.
File No.
HAR12S-1041
FoliolParcel No.: lO-14~4z..13'
NOTARIAL SEAL
KAYE E. KOPE, Notary Public
Derry Townshlp, Dauphin County
My Commlalion ires ,..,o~:4,20::l3
DEED
CJnmtor:
:';1'
Barry S, Claypool, Sr. au.d Mayben. L. Claypool, husbaad aad wife
PbJIIlp SaDden and Tamara Saaden. bll5band aad wife
Giatl!ee:
t.~t).:l.::' , ,.
16ertify the address oftbe Gran~to be, and mail tax bill to: 1.5 Maybelle Court:, Mechandsburg, peDD5Ylv.a.oia
17050 KA. ~i
Ptemises: 15 Maybelle Court, Hampden Township, Cumberllad County, Pmnsylvaoia
Retwn document to:
G.~'i..'~':~,
T.A. of Rarrlsburg, LLP, 4775 LlnglestoWD Road, Ibnisburg, Pennsylvania 17112.
J Ccrti fy this to be recorded
In Cumberland County P A
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ecor er 0 Deeds _: ...l,~,..,;l..'.'.. ,.:
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12/08/2006 13:18
71 72580862
TRI COUNTY ABSTRACT
PAGE 04
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Prepared by:
APRIL L. AntE\'
FOR HOMESALE MORTGAGE SEltYICES
111 CENTERYILLE ROAD
LANCASTER, PA17103
Retum To:
WELLS FARGO HOME MORTGAGE, INC.
FINAL DOCUMENTS X4701..CJ24
3101 MINNESOTA DRIVE
BLOOMINGTON, MN 15435-5284
Parcel Number:
,Spete AtlOIIl!I Thl, Line For ,.ecordlng 0818]
MORTGAGE
0792014MEX
..,~
DEFINITIONS
Words used In multiple sections of this document are defined below and other words. are
defined in Sections 3. 11, 13, 18, 20 end 21. Certeln rules regarding the usage of words used
In this doclJment are also provided In Section 18.
(A) "Security IMIr'um4lnt" means this document which Is dated APRIL 1, 20M
together with all RIders to this document.
(8) "8DfTOW..... Is
~ PHI~ tit. SANDERS AND TAMARA SANDERS, HUSBAND AND WIFE
tj ~\-\\LLIP
~.
Borrower IS the mortgagor under thlll Security Instrument
(C) "Lencler" Is HOMESALE MORTGAGE SERVICES
Le n der 19 8 Corparaflo"
organized and existing under the lews of THE STATE OF PENNSYLVANIA
PENNSVLVAM'A- SIngle F=~lly . F.."." M~. M.1l UIUJ:OftM U.8TRIIMOT
Fa-g.. I 0' III InflI81':j!1-
FORM 3U38 1101
SPAD1 R." 08I1!101
BK 1 7 5 4 PG 3 0 0 0
12/08/2005 13:18
71 72580852
TRI COUNTY ABSTRACT
PAGE 05
.'
Lender's address Is
111 CENTERV'UE ROAD, LANCASTER, PA 17803
Lender Is the mortgagee under this Security Instrument.
(D) "Nate" means the promissory nole signed by Borrower and dllted APRIL 1,2002
The Note states that Borrower owes Lender FIVE HUNDRED SUny THOUSAND AND
NOJ100 Dollars.
(U.S. $ .....,,""LQ:O~MHL.........) plus Interest. Borrower has promised to pay this debt In regular
Periodic Payments and to pay the debt In full not later than APRIL 1, 2032
(E) "Property'" means the property thBt Is described below under the heading "Transfer of
Rights In the Property:
(F) '"l.oan" means the debt evidenced by the Note, plus Interest. any prepayment charge,
and late charges due under the Note. and aU sums due under thIs Security Instrument. plus
Interest.
(G) "RIder3" meanS all Riders to this Security Instrument that Bre executed by Borrower.
The following Riders are to be e)(ecuted by Borrower [check bo,," as applicable):
o Adjustable Rate Rider D Condominium Rider . DSecond Home Rider
o 8alloon Rider 0 Planned Unit Development Rider 01-4 Family Rider
o VA Rider 0 Biweekly Payment Alder 0 Other(s) [specify]
(H) "Appllcab'e law" means all controllIng applicable federal. state and loca! statutes,
regulations, ordinances and administrative rules and ordertl (that have tl1e effe~ of law) as
well as all applicable final, non-appealable judicial opinions. .
(I) "Community A.soclatlon DUM. Fee., and ......rnents.. means all dues, fees,
assessments and other charges that Bre Imposed on BOlTOWer or the Property by e
condominium as$Octatlon, homeowners anoctatlon or similar organIzation.
(J) "Electronic Fund. TI1IMfe'- means any transfer of funds, other than a transac1ion
origlnat~d by check, dran. or similar paper Instrument. which Is Initiated through an
electronic terminal. telephonic Ihstrument, computer. or magnetic tape so as to order.
Instrud, or authorize a nnanclel Institution to debIt or credit an account. Such term Includes.
but 19 not limited to. point-of-Iele tran&fers. automated teller machine transsdlons. transfers
Initiated by telephone. wire tranaf.rs, end eutomsted clearinghouse trensfers.
(K) "Iscraw 118m." means those Items that are described In Sed Ion 3.
(L) .Mf.8ceJlaneou8 ProcHCI." means any compensation, settlement, award of damages, or
proc8eds paid by any third party (other then insurance proceeds paid under the coverages
described in SectIon 5) for: (I) damaga to, or destruction of, the Property; (II) oondemnatloo
or other taking of all or any part or the Property; (III) conveyance In lieu of condemnation; or
(Iv) misrepresentations of, or omissIons as to. the value lind/or oondltlon of the Property.
{M) "Mortgage Insurance" means Insurance protectIng Lender ageln8t th. nonpayment of,
or default on, the Loan.
(N) "Periodic: Parmenf' means the regularly scheduled amount due for (1) prIncipal and
Interest under the Note, plus (Ii) any amounts ullder Section 3 of this Security Instrument.
S P Allt ~..., 21'1 B/IlO
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12/08/2005 13:18
71 72580852
TRI COUNTY ABSTRACT
PAGE 05
(0) '"RESPA" means the Real Estate Settlement, Procedures Act (12 -U.S.C. Section 2601 et
seq.) and 115 Implementing regulation. Regulation X (24 C.F.R. Part 3500), as they might be
amended from time to tIme. or any additional or successor legislation or regulation that
governs the 8eme subject mstter. As used In this Security Instrument, "RESPA" refers to all
requirements end rCl9trlctJons tl'lat are Imposed In regard to a "federally related mortgage
loan" even If the Loan does not qualify 89 8 "federally related mortgage loan"' under RESPA.
(P) .Sua:es9or In Im,..t of Borrower" means Bny party that has taken title to the Property.
whether or not that party has assumed Borrower's obllgallons under the Note andlor this
Security Instrument.
TRANSFER OF RIGHTS IN THI: PROPERTY
This Security Instrument secures to Lender: (I) the repayment of the Loan, and all renewals,
extensions and modification, of the Note; and (Ii) the performance of Borrower's convenants
and agreements under thIs Security Instrument and the Note. for this purpose, Borrower
does hereby mortgage. grant and convey to Lender the roHowtng described property located
in the County of CUMBERLAND
[Type of Recordlng Jurisdiction) [Name of Recording JurIsdIction)
LEGAL DESCRIPTION IS ATTACHED HERnO AS SCHEDULE "A" AND MADE A
PART HER!OF.
THIS IS A PURCHASE MONEY MORTGAGE.
which currently has the address or
15 MAYBELLE COURT
MECHANICSBURG
("'~roperty Address1:
(City]. PennsylvanIa 17010
[Street)
{Zip Codel
TOGETHER WITH all the Improvements now or hereafter erected on the property. and
all easements. appurtel1ance9. and fhdures now or hereafter &I pArt or the property, All
replacements and additions shall 8190 be covered by this Security Il1stnJment. All of the
foregoing Is referred to In this Securfty Instrument as the "Property,"
s P All 3 Rwv I II'll3I'lO
P.", 3 01 18
Irtltla''ff
F'DAU 3031 '101
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--..---..-- ," ............ "
25. R.,nstet8ment Period. Borrower's time to reinstate provided In SectIon 18 shall
eKtend to one hour prior to tl'le commen.cement of bidding at 8 st1erirrs"l!lale Dr other !Iele
pursuant to this Securlty Instrument.
28. Pun:ha.. Money ~8SI.. If any of the debt securecl by thl& Security Instrument
fs lent to Borrower to acquire title to the Property, this BBCUrlty Instrument shall be a
purchllge money mortgage.
27. Inte....t Rete A"', Judgment Borrower agrees that the Intereet rate payable after
a Judgment Is entered on the Note or In an action of mortgage foreclosure shall be the rate
payable from time to time under the Note.
BV SIGNING BELOW, Borrower accepts and agrees to the terms and covenants
contained In this Security Instrument and In any RIder executed by Borrower and recorded
wl1h it.
Witnesses:
JXopJ
~ll~?4P ~="r
i~r--
~~4AL ~k.JV
TAMARA SANDERS
(S..I)
Borrower
SPA17 Rev 121271QO
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TRI COUNTY ABSTRACT
PAGE 08
'" ,~. ~ - . ~ .,.
. . ~.-
Certificate of Residence
I.
the correct address of the within-named Mertg.gee Is
1" CENTERVlll! ROAD, LANCASTER, PA 17801
. do hereby certIfy thet
Witness my hand this 1ST day of APRIL, 1002
NOTARIAL SEAL
!<AYE E. KOPE, Notal'1 Public
Oerry Township, Dauphin County
My (;ornml.-'on ir8& Nw. 4 ~
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. before me. ttre ur:ld.'rSlg"ed"~.:,:':^' ,,)<' .
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COMMONWeAL~ OF PENNSYLVANIA,
On thl!!l. the 1ST
officer. personally appeared
day of A.PRIL, 2002
~,.,,:.
('
/~ 'PtUb .... SANDERS AND TAMARA SANDERS, HUSBAND AND WIFE
L~' f>IMLU P
known to me (or satisfactorily proven) te be the persen(s) whose name(s) 19/are SUbscribed
to the within lnstl'\lment and scknowledged that he/shelthey executed the same for the
purposeS herein contained.
IN WITNESS WHER.EOF, I hereunto let my hand and offldal seal.
My Commission Expires:
SPAll AllY 12/27/011
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PAGE 09
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After Recording Return To:
PROVIDENT ruNDINC MSOCIATES. L.P.
PO BOX 5'13
SANTA ROSA, CA 95401.-590
Losn No. 38J4.1tOOlS
Z0G'! C:C 10 Ar110 51
ISpace Above This Line For Recordiol D.tal
MORTGAGE
M1N tOO0179-38141l001S06
DEFINITIONS
Words used in multiple seetiOJ1$ of this document are defined below IlDd other words are defined in Sections 3.. 11.
13. 18,20 and 2J, Certain roles regarding the usage of words used in this doc\1J1)ent arc also provided in Section J6.
(A) HSc~urity lnJtrulIleDt" means this document, which is dated 1111912004 . together with aU Riders to this document
(8) "Borrower" is PHILLIP M SANDERS AND TAMAU J SANDERS, HUSBAND AND WlFE . Borrower is the
morgagor under this Seeurity lnstr'UD1eDt.
(e) "MERS" is Mortsae:e EJectronk Registration Systems, Jnc. MERS is 0 separate eo.rporation thal is 8elms
solely lU a nominee: for Lander and Lender'$ successors and assigns. MEltS is the mortpaee under tbl, Security
I"rtrl.llJltllt. MERS is organized BJld c:'tisting under the Isws of Delaware, and has an address and telephone
nU1Tlber ofF.a, Box 2026, f'Iint, MI 48SOI-2026.c.eI. (888) 679-MERS.
(1)) "Lender" is PROVIDENT FUNDING GROUP, INC.. Lender is a CORPORA nON organized and existing
under lhe laws of CALIFORNIA, Lender's addless is 300 WEYMAN RD., SUITE 150, PITTSBURGH, PA 15236.
(E) "Note" means the promissory Dote signed by Borrower and dated 11119/2004, The Norc states (hat Borrower
owes Lender FIVE. HUNDRED F'1F1Y TH1U!E THOUSAND FIVE HUNDRED AND 00/100 DoHan (U.S.
$553,500.00 ) plus interest. Borrower hu promised to pay this debl: il) regular Periodic Payments and to pay the debt in
fu 11 not later than 12/112034.
(F) "Properly" mCIJ)$ the property that is described below under the heading "Transfer of Rights in the Property".
(G) "LoID" means the debt evidenced by the Note, plus interest, any prt:payment charges and Inte charge!: due
under the Note, and all sums due under this Security Instrument, plus interesL
Pl!.NNSYLVAl'IIA-Sinsle I':IJI\il,-F..e;. MHlFr....dle ",..UNIFORM INSTIltJ1\U:NT T........]Cllll 11111. '-1 ~ n ~
OOIOP^-&teC' .J/1712OO21:116 Phil
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PAGE 10
(H) "Ride"" mtalls .11 Ilid~ to this Security Insb1menl that are execute<l by Borrower. The following Riders
are It> be exec~tcd by Borrower [check box as applicable]~
( ) Adjustable Rate Rider
()Ba.lloon Rider
() ].4 family Rider
( ) Condominium Rider
(X) Planned Unit Development Rider
( ) Biweekly Payment .Rider
( ) Sa:ond }tome Rider
() Q1her(s)
(l) "J\pptieable lAw" means all controlling applicable federal. state and local statutes, regularions, ordinances
and IIdministt'll.tive rules and orders (that have the cffecl of law) u well as all applicable final. nOll-appealable
judicial opinions.
(.1) "Community Anoc:lation Dues, Feu and Anenmenb" means all dues. fees, asses5TTIeots and other charges
thaI are impOSed on Borrower or the Property by a condominium association, homeowners association or similar
organization, .
lK) "Electronic Funds Transrer" means any transfer of funds. other th.1Ul a trll.1\S6ctiOl\ originated by check, draft,
or similar paper instrument, which is initiated through IUl electronic renninal, telephonic instrument, computer. or
mllgnwc tape so u to order, instruct, or authoril.e a filUlneial institution to debit or credit an account. Such ttTm
intl~ldCll. but is not Iimiled to, point-of-saJe trnnsfers, automated teller machine lranSllctions, transfers initiated by
telephone, wire transrer.. and automated clclU'inghouse transfers.
(L) "!scrow Item," mean those items that are described in Section 3.
(M) "Miscellaneou, Proeeeds" means any compensation, senlemcnt., llward cf damages. or proceeds paid by any
third p/il'ty (oUter than insurance proceeds paid under [be coverages described in. Stction 5) for: (i) damage to. or
destruction of, the Property; (ii) condemnation or other talcing of all or my part of the prC'perty; (iii) conveyance in
lieu ofc:oodcmnation; Ql' (iv) miSTC'prcsen18.tions of. or omissions IS to, the value and/or condition ofche Properly.
(N) "Mortglle [nallnDce" means insurance protectiD8 Lender against the nonpayment of. or default on. the
Loan.
(O) "Periodic Pllyment" means the regul...ly SCheduled amount due for (i) principal and interesr under the NOlc.
plus (il) any amounts under Section 3 of this Security InstrumenL
(P) "RESPA" means the Real Estate Settlement Pr<<N:edures Act (12 U.S.C. 02601 c:t seq.) and itS implemCllting
regulation, Regulation X (24 C.F.R. Part 3500), as they might be amende.d from time to time, or any additional or
successor legislation or regulation that governs the same subject matter. As used in this Scc::urity Instrument,
"RESPA" refers to all requiremen~s and restrictions that are ~mposed in regard to a "federally related mortgase 101ln"
ev~n It'the L.oan dOe:! Dot quallt)' as a "federally regulated monsage loan" under RESPA
(Q) "Successor in Interest or Borrower" means any party that has taken title to the Property, whether or not that
party hilS assumed Borrower's obligation.- under the Note: andlor this Sec:urity Instrument.
PB:NN$YLVANIA-SII\II~ fIlllU,-Fanlt Mae'Pndll,. MI. t/lIlfFORM INSTR~NT p..... JITJ' 1101 ~2.f}J,qaJ
lIOIlIPA,_. .sn"~1llIJ _I'M
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TRI COUNTY ABSTRACT
PAGE 11
TRANSFER OF RIGHTS IN THE PROPERTY
This Security Instrument secures 10 Lender: (i) the repayment of the Loan, and all r~ewaLs. eJlle~ions ~d
modifications of the Note; and (ii) the performance of Borrower's covtlnants and agreements under thIS SecLlnty
)l\strumcnt and the Note. For this purpose, Borrawer docs hereby moT'llage, gran' and convey to MERS (solely as
nominee for Lender and Lender's successors and assigns) and to the !IUccessors and U3igns ofMERS the following
described property loelltcd in the county of CUMBERLAND
LEGAL DESCRJP110N A nACHED HERETO AND MADE AI'ART HEREOF AS EXHIBIT "1\",
ruNJSW UNIT DEVELOPMENT RIDER A Tr ACHED IfERETO AND MADE ^ ..ART HEREOF.
which currently has the: addre$5 of I S MAYBELLE CT
MECHANlCSBURG, fA 17050
("Property Addre$~"):
TOGETHER W[TH all the improvemenu now or hereafter erected on the propeny, and al) easemcnts,
appurtenance!, and fIXtures now or hereafter 8 pan of the plOpeny. All replacements and additioJ'$ shall also be
covefed by this Security InslrUment. All of the foregoing is rcferred to in this Security lnstrument as the "Prop~~.
BoTtower undcrstands and agrees that MERS holds only legal title to tDe interests granted by Borrower in this
Security Instnlmen(, but, iC neccssary to comply with law or custom, MERS (11.$ nominee for Lender aDd LcnGer'S
successors and usigns) bas the right: to exercise any or all of those interesl.&, including, but not limited to, the Tight
to foreclose and sell the Property; and. to take any action required of Lender inCluding, bUl not limitcd to, releasing
and cllJlcclil1g Ihis Security instrUment.
BOR.ROWER COVENANTS that Borrower is lawfully seised of the estate hereby c.onveyed and I\as the
righlto mortgage, grant and convey the Property and that the Property is unencumbered, except for encumbrancu of
record. Borrower 'Wllfl'll11ts and will defend ~eneTQlly the tide to the Property asainsl all claims and demands, subject
to any encum brances of record.
THIS SECURITY fNSTRUMENT combines unifonn covenants for national usc BJld non-uniforrtl
covenants with limited variations by jurisdiction to eonstitule a uniform security instrument covering real properly.
UNIFORM COVENANTS. Bonuwcr and Lender covenant Ind ~ee lIS fallows:
l. Paymtllt of PTlnclpal, Intereet, EKrOl" lteIJIs, Prepayment ChltgfS, Slid Late Cbarges. Borrower
shall pay when duc the principal of, and interest on, the debt evidenced by the Note and any prepayment charges and
late charges due under the NOle. Borrower shall al!lo pay Cunds for Escrow [tem~ pursuant to Section 3. Paymcnts
due under the Non aDO this Security ["stroment shllll be made in U.S. currency. However, if any check (lr other
instrument rec:ellled by Lender as payment under the Note ur this Security lnstrument is returned to Lender unpaid,
l.ender may require that any or all subseqllent payments due under the Note and this Security Instrument be made in
one or more of the followin, forms, L' selected by Lender: (a) cash; (b) money onier; (e) certified chee\t. blJlk
check, treasurer's check or cashier's check, provided any such check: is drawn upon an institution whose deposits are
insurcd by a federal agency, instrumentality, Of entity; or (d) electronic Funds Transfer,
Payments arc; deemed receivcd by Lender when reeeil/cd at the I~ati(l:n designated in the Note or at suc\l
other location as may be des'anated by Lender in accordance with the notice proviSions in Scctioll 15. Lender may
rcturn any pDymcol or partial payment if the payment or pllrtial paymenu lite insufficient to bring the Loan current,
Lender may accept MY payment or partial payment insufficient to bring the Loan curroot, without wai"er of !lny
PEl'INS'VL v ANIA..st.~le FllIIllly.-F...... MaefF....die Ma. UNIPOItM INSTRUM1tNT Por. 313' J/OJ ~ J of tJ ,.,uJ
00101''''__ Sl1712l1O'2 ~llliPOol
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PAGE 12
BY SlGNINO BELOW, B(ltTower ac:eeplS and agrees to tbe tenns and covcmants containe1:l in this ~curity
In!ltrument Bnd in any Rider ~ecuted by Borrower and recorded with it.
W itncssc:s;
7A (JJ'~
ZLt~
P~lC /If. ~-L.... ("'"I
PHl{UP M SA ER.S -Borrower
~~~
TAMARA J SAND S
(Seal)
-BOrrower
(Seal)
-Borrower
(Seal)
-Borrower
ACKNOWLEDGEMENT
COMMONWEA1.TH OF PENNSvt VANIA, ~./:J.gr ~uoty 55:
O~ ~is day of J...() V'fI17 k. ~ cJ Y ,before: me, the undef"Signc:d officer,
personally appeared
PHTLl.Jf M SANDER.S
TAMARA J SANDERS
known lo me (or satl!lfaetorily proven) to be the person(s) whose name(s) is \are subscritJed to the within il\Stromenl
and aclcnowledged th.at he\she\rhc)' executed the same for the purpose herein contained.
~~~
Title of Officer
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PAGE 01
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~acetWin gcreen Print for recdeede, from "CAMA_Login" ~2/S/2006 1:01:49 PM
,f:
NEIGHBORHOOD! 1065
CUMBERLAND COUNTY ASSESSMENT OFFICE 2004 BASEYEAR
CO~~OL # l00090~4
4 PARCEL: 10-14-0842-139.
I 9PEC ID: LOT: I.-0101
L----.; Tback: 10-14-0842-044.
DiSTRICT: 10 - HAMPDEN TOWNSHIP SD:
I
I
jShort Ncune
I LAST NAME
I FlR9T NAME
Ic/O NAME
IADDRESS1
IADDRESS2
IpOST OFFICE:
ISTATE " ZIP:
I
SANDERS. PHILL~P ~ TAMARA
SJl.NDERS
PHILLIP " TAMARA
PROPERTY TYPE: R
SALES I
DEED BK/PG.... .00251-00655 I
DATE OF SALE.. .04/05/2002 I
SELLING PRICE: 700000}
I
"
. '.
15 MAYBELLE COURT
MECRP.NICSBURG
PA 17050
'. I,"
'n .~ Situs: 15 !O.YBELLE COURT I CUlUlENT V,lU,UES I
Prop Deecrip - : P~1fEHURST J Assessed Fair Max-ke t. "
,LJUID .DESC: LOT 101 PH ]:VB PB 73 PC) 66 FMV - 805310 L - 160000 I
. ';LAND USB TYPE: 101 C&G - B - 645310 I
DEEDED ACRES: .73 approved? -;> T - 805310 I
Screen 1 Enter Selection >
Number -Switch Screens, X -Exit, J -Jump Mode,
Down Arrow -Next Entry, Up Arrow -Previous Entry.
Record: 21586
F -Forms, I -nm&ge
? -Se~eens, B -Browse
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