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IN THE COURT OF COMMON PLEAS
OF CUMBERLAND COUNTY,
PENNSYLVANIA
CIVIL ACTION - LAW
FARMERS TRUST COMPANY,
plaintiff
MERLE R. WITTER and
CONSTANCE o. WITTER,
Defendants
IN MORTGAGE FORECLOSURE
9'-/. ~ 31 !? c..:..;.o \.ANn
No. CIVIL 1994
NOTICE
YOU HAVE BEEN SUED IN COURT. IF YOU WISH TO DEFEND
AGAINST THE CLAIMS SET FORTH IN THE FOLLOWING PAGES, YOU MUST
TAKE ACTION WITHIN TWENTY (20) DAYS AFTER THE COMPLAINT AND
NOTICE ARE SERVED, FILING IN WRITING WITH THE COURT YOUR
DEFENSES OR OBJECTIONS TO THE CLAIMS SET FORTH AGAINST YOU.
YOU ARE WARNED THAT IF YOU FAIL TO DO SO, THE CASE MAY PROCEED
WITHOUT YOU AND A JUDGMENT MAY BE ENTERED AGAINST YOU BY THE
COURT WITHOUT FURTHER NOTICE FOR ANY MONEY CLAIMED IN THE
COMPLAINT OR FOR ANY OTHER CLAIM OR RELIEF REQUESTED BY THE
PLAINTIFF. YOU MAY LOSE MONEY OR PROPERTY OR OTHER RIGHTS
IMPORTANT TO YOU.
YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU
DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR
TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU
CAN GET LEGAL HELP.
Court Administrator, Fourth Floor
cumberland County courthouse
Carlisle, PA 17013
Telephone: (717) 240-6200
v.
IN THE COURT OF COMMON PLEAS
OF CUMBERLAND COUNTY,
PENNSYLVANIA
CIVIL ACTION - LAW
FARMERS TRUST COMPANY,
Plaintiff
MERLE R. WITTER and
CONSTANCE O. WITTER
Defendant
IN MORTGAGE FORECLOSURE
No. CIVIL 1994
COMPLAINT
AND NOW, comes Farmers Trust Company, through its attorney,
William A' Duncan, Esquire, and files this Complaint in
Mortgage Foreclosure, of which the following is a statement:
1. Plaintiff is Farmers Trust Company, a corporation
organized and existing under the laws of the Commonwealth of
Pennsylvania with its main office and principal place of
business located at 1 West High Street, Carlisle, Cumberland
county, Pennsylvania 17013.
2. Defendant, Merle E. Witter, an adult individual, and
Constance O. Witter, his wife, an adult individual, residing in
the Borough of Carlisle, (mailing addressl 24 York Road,
Carlisle, Cumberland County, Pennsylvania 17013.
3. On or about May 13, 1987, Defendants made, executed and
delivered to Plaintiff a (note and/or security agreement) and a
real estate mortgage financing Three Hundred Eighty Thousand
Dollars and no Cents ($380,000.00) a copy of said note and
security agreement and said real estate mortgage being attached
hereto as Exhibits "A" and "B", respectively, and are
incorporated herein by reference as though fully set forth.
4. Said note and security agreement and said real estate
mortgage have not been assigned.
5. Merle R. Witter and Constance O. Witter, are the sole
record owners in fee simple of said premises subject to said
mortgage, by virtue of a Deed dated and recorded on May 13,
1987, and recorded in the Cumberland County Recorder's Office
in Deed Book "864", Volume _,Page 242, more specifically set
forth in Exhibit "C", attached hereto and made a part hereof by
reference.
6. Said note and security agreement and said real estate
mortgage are in default because Defendants herein have failed
to pay the payments that were due and owing for the months of
January 19, 1994 to April 19, 1994.
7. The Plaintiff has given to the Defendants written
notice of intention to foreclose on said mortgage as required
by law under Act 6, dated March 23, 1994, a copy of which is
marked Exhibits "0", and attached hereto and made a part hereof
by reference.
8. The Plaintiff has given written notice of default as
required by the Homeowner's Emergency Assistance Act of 1983,
dated March 23, 1994, a copy of which is marked Exhibits "E",
and attached hereto and made a part hereof by reference.
9. By reason of the aforesaid default, the entire
principal balance of One Hundred Eighty One Thousand Three
Hundred Forty Seven Dollars and 79/100 ($181,347.79) Dollars,
with interest thereon at the rate of eight (8%) percent per
annum computed from January 19, 1994, accruing insurance
premiums, attorney's fees in the amount of Nine Thousand Sixty
Seven Dollars and 38/100 ($9,067.38) are now due and payable.
10. The Defendants are liable to the Plaintiff for the
following on said mortgage loan:
A. Principal amount and interest
due through April 25, 1994: $181,347.79
B. Interest at 8% from 1/19/94
to 04/26/93:
$ 5,077.73
TOTAL:
$ 376.04
$ 9,076.38
$195,877.94
C. Late Charges:
D. Attorney's Collection fee:
WHEREFORE, Plaintiff prays the Court to enter judgment in
favor of Plaintiff and to order the foreclosure and sale of the
mortgaged property and for the amount of One Hundred Ninety
Five Thousand Five Hundred Forty Five 03/100 Dollars
($195,877.94) Dollars together with interest thereon, costs and
all other amounts advanced by Plaintiff.
\}~~aA^-
William A. Duncan, Esquire
Duncan and Otto, P.C.
Attoney for Plaintiff
1 Irvine Row
Carlisle, PA 17013
(717) 249-7780
FARMRRS TI\UST COMPANY MORTGAGE nOND
FOR Vlll~ WITII Illl0nT l'on~' nrML r.&TATE MORTGAGE
\YITNF~IlF.Tf1 TIIAT MHRI,H R. WITTHR AmI CONSTANCR O. WITI'HR, huaband end wlf., or 14
York ROld, ClrllMle, PA 11013,
Ihrnlnlller II'hrlhrr 111I.III"r nr Illnrnl, rnlled Ihe ObllKnr), II hrhl and Ilrmly bonnd unle FARMPJRI TRVIT
COm'ANY II (!II'lIllr, "rlllll)'lmnln, " rlll'llOl'nllnn 1I,lltlnllllndrr IhA 1"11'1 "' Iho Cnmmnnwelllh 01 Penn.,lvlnll
IhrrAlnnller rnllrd Ihr OhllNrol, In Ihr 11111I "' nil nmllllnl cnl..I~lInN n' Ihree 11Inn 1111 Imounlllllllllll.. IItlow 10
h. plld In Iho Obll.ro In Inll"nlll1nnr)' III Ihe "11111'11 Slnlr~ n' ,\merh-n,'n be pnld 10 Ih. IIld Obll,tI,l" e.rllln II.
lornoy, IlIeeUlnm nr .ol~nl, In II'hlrh Iw'melll wAIIllnd Irnl)' 'n he mAde, Ihe Illd Ohll,or do.. hind hi. hlll1, u.
erll'nrl, ndmlnl'lrnlnrn nlld n~II~I" nnd rl'rl'.Y nllA n' Ihern, Jnlnll.Y nllll Irl'ornlly.llrmly bylbele pre..n.., And II.
nn rnlldllln1lrlllhlll nll)'llllnll hr\'rll1ll1'nl hiI'd In Ihp rnnlrAI')' nnlll'lIhllAndln., 1111 '.pr'"lly undenlnod Ind Illl1fd
Ihlllllo OhllllAlllln n' thin IInllll 'hnll rnl'l"', n. IIrll, nl1.I'lnll1l'l' ndVl1l1rrl Ihnl mllY ho mid. by ObllloO 10 Obll,or,
II un)' IImr nr IlIlIel herrnllrl" 1'\'nllllrd Ihn' nl 1111 11mI' IIlnl' 'hr In'"1 hnlnnrn dllo hy Ohlllnr 10 ObllKe. horlllnder,
lI'hrlhrr Ihe Iftlllr l'rl'I'r'rnl~ III Ilhnlr ror 1I111nl'I, Ihr 1I1111nl nlll'lInc'o nr nn)'llIllIre ndvlnee or Idvnnrll, exeoed Iho
.11'11 nl nil 1111'"11111 III1I';I"IIIr. nl Ihl'l'O 111111" 11111 11111011111 ~111,"1111l'f1 hrlllW In h. 1"lld 10 Ihe Obll"oo, An" Ih. Illd Ohll,
Aor dnr~ hl'l'rh.I' rllll'IlI\('I' Ihl' 1'1",111111I111111')' III' 1111.1' nlhll'II".Y "I nil)' ('11111'1 nl l'l'rord II'lIhln Iho C'nmmonwenllh 01
I'rnnl)'II'onIA or 1'1'''\1''1'1'1' III '1111"'111' '"l' hll1llllllllllllllll' IIlIhollllllblll"III1I1'llIlrd, eonlol~ llldllmenll,llnll him
In IRvnr nllho Ohllqr,', II~ ~lIrrr~'I1I" 01' ,,,,I~I", '" ,,' nIl)' 11'1'111, lor IIII' Ilrllnl ,"m IIhnl'o mellllnnrd, whleh IlInl
IhAlllnrlll"e IInd rnl'r.' 11111111)'1110111' I'rqlll\'rot to III' 111111'" h)' Ihr Ohllllnr III atlll b)' Iho Inml Ind enndlllon. nllhl,
hnml "' !tnt'rlllnll.r nI'l lOl'lIi, hll'ltlllllll! n"" nil 1111111'11" " ""IlII1II..lnn '"I' rnllro'lInn nlllve per eenlllm ollhl 1.111
nl nil .'II'h PAYl1lo"I., 01' r,'on no II hldlr\'rl'l~ lhr 11"01"> I:l1'n, Inqrlllr,' wllh rn,l~ nlllllll nnll dou hlrehy 1I'llvn .IIY
nl r~orllllnn nr nlhrl'I\I'II' 1", I'll ':II<'lI!'"lqIllOIlI. 111111 h011l1llq 11I1,"1olllnn nn Illy ronl ellllo levied on by vlrtul ollny
wrtllded nlll on ~1I:'h JII:I~IIH"'II. hrl'rh)' 111';111'11'1',1 111111 1I11c1 II'nl\l'd IIIIlI enllllemnAllnn a,rerd 10, II'hleh rell el'
tllr mllY bo .n'lllIllllrr A 11"11111' ""11- nl 1'\erllllnl1 01' ollw\' IAII 1111 11'1'111 And 1111 e\empllolll el plI'Ronol Prollol'l)'
Imnl I~v)' nnel Rille "II 1111)' C"I'I'II!lnn 11I1111'" nn,' Inl\' 111111 In 'ol're 0" hCl'raller l'l1.ned,11 'Ioreby 1I'llI'ed, Ind lurther
IIhll"or hnreh)' II'lIln' nil rrron, II.I".'h 1II11IIIl1IIrl'll'rllllll~ III rlllrll'lA (he Inlel llldllmelll or In III)' IHIl, or prn'
eerdln. Ihol'rnll nl' 11'''1'1'111'''' hi Ill" 111,1' h,"('ItII1J1 nl' r""I'I'I'IIIII~ Ihr Rnmo, 1I11e1 Inr Iho ronlellloll Alld .nlr)' o'.ueh
Judlllnrnl, IIlle Iholl ho Mllllrlolll 1\'""'"111 IInll nlllllOl'lI)',
Till': CO:\'IlI1'IO~ OF 1'IIIS 11I1:-iIlIS Sl:C'lIlhllllllhl' """1'1' hlllllll"'1I OhllRnr, 1111 hell'N, neclllor., IIlImlnlllrlllon
nr n,"llIII. Nhllll 111'11111111 "'lIlv 1"11' Ill' '1111'1' 111111' III,ltllll II", Nllltl Hllllql'I', II~ '"ec'runn or 1I1.I.nl, willi In 20
yellrw h'''m Iho dllll' hl'l'llIl, 1111' 1111" III 'I"lI'eo IIl1nclred 1:lghly ThollHRnd Rnd no/IOO
1I1l1.lAIlfl 1~3RO,OOO.OO I 1111I1 1111 1111,11111111111 11'"I1I'.'~ 1II11'III1I,.'el hy III\' IIIIIIAIIO III ho,'oln or nlherwln 10,IIIy
prnl'ldrel,lnlllllllllnnr)'N, n'"1'11 ~IIIII, 1\lIh 11111'1'1''' IIllhe '"11' 01 Eleven" per eenlum I II" ,.. per
,"lIl1m, III IIInnlhl)' l'nYIIII'III~ '" IInl Ir'~ 111011 Three ThousRnct Nine HUndred Twenly-two and 31/100-
I?OI,I,:\~~" 3,922 nn.1 31 C'I'lIl1ll1\lIll1hl.I' 111I1'1 Ihr elnle hel'enl, nr 10 b. plld 111011011'1, on PII' three
':~~'Pbr,\ltrmHI a':.;, 01 1I111111hl)' 11I1)'/IIrlll I~ IIII)N 01' IIInl'C Iqlt,.
SAIIl (I,\\'Mr:N1'S 10 eOlllllllle 1I111111hr. pl'llIrlllnl 1111I1111111 nl till' OhllRnllllll, .elellllonl' Idulle.. IInd olher ehlr,lI
IIIlde (0 ObllAn\' nl' IIIl1elr 1111' Ihc IIWIre-1I1111 nl Ihr Innl'IRII"r .rollrl\)' \llIh InlorrAlllll.ld III lull,
A"'\'l'III:o\O 1lI':ltl-:t:1I 11l'nl'II1rlllo thr I nnl III 1'.' 1II1II1I1hl,IIIII.III,", 1111 OIllrclllYllndenlood IlId .,reed lhll UII Obll.
,I'nr ollhll nond IlIolIl'Ol'rr, IIN \\rll, IIn.\ 1111111'0 11111 nnl'I'~ (hnl 11111)' ho IIInlle b)' Obllleo '0 Ohlluor, Al .nyltlnl'
VI' 11m.. herenllor, Ilrol'lIh-ellhl1l IIlllllllml' 1111., Ihr llllnl hllllllll'C dllo by Obllgltr 10 Obll,oo 'tel'oullder, whelhor
lite Aome rop.'e~I'nl\,11I IIhnh' 11I'111111I:1,1111' 1111111111.1111111'1' III' nll~ rlllllrr IIdl'nlll'o or ""vAnrel, Il~crcd nlll1/11ltlllll
cnn'lllIn. n' Ihrrr 1111I1" IIII' IIlnlllllll '"111111111'.1 hl'I'I'IIIIII''''I'I' III hi' IIlIhl hy IIII' rlhllRc'r.
1'llnVIIlI';lIl'>lill'l'lmlt, 1111,1111. 1"111 ("11.\ IIll1h'I'\lnllll nllol 1111 It'I'lI , Ihnl thr IIlllnlllly l'A)'menl. mldo hy Obll,o.'
Ihlll ho allllllud 111'11 'n IIl1c'I'rNI olllhr 1II111llhl 1111111111'1' ,,' 1111' IlI'lIl1'lpl1l ~lIm IInollllo I'olnlllndlr Ihorlnl Ihull he ereel.
IIld on I"ounl Itl .lld Inm,
IXHI"T
-11
rROVIPl':O FVnTIIF.R TIIAT Ihe Obll,OI' RbAII "..II And Irnll' "IY AlIlun Iwbl~b IIlld term "tauI" .h.1I "h.n.
.\ltr URld In tbll Rend b.l.k.n .nd hehl 10 Inclnd~ III Iuu. "Ill ',. renl. Ind .lIalher munlelp.1 .r other .."n.
m.nl.1 ,Rllllm.nll .nd ehlt.OI\ wbleh now Ind .1-0 In ;hOI~ wbleh m., herllfler b. .....I.d, 1"I.d er
l"If..d "111111 tb. ,r,ml... 'tlnl,d In Ihl Morl.II' .neom,.nylo. IhlR nond .. tII. 11m. Ih.U .IU d.., ...
.h.1I .n or before Ib.t IIr.. d.y of ,Ianu"y ol.arb and nery ytlr prodU~1 .nd d.n\ltr to the 01111," 1'I"I,"'er.1I
lueb "Inll" for the eurreol yenr ..,e.ud npon Ih~ mort.n.~d "reml.... And 'h.1I .IRo keen .nd m.lllllllt III
Ilmll,llIlueh eomplny or fompaolulIR Ihe Ohll,.. Rhlll opprov" a 1I0lley or pollelll .. Inluran.. I.....t .... .r
dim... IIy fire, IIr olher rbk al reqnlred by Ih. Ohll.~~. In ao Amonnl not leu thn thl Imounl d.. o. thl. "lid
Upoll the bulldln'l and Imllrovemenll unon Ihe laid prem"rl, and all pollel.. wb.lallvtr IIverln. the IIld 1m.
,",v.m.n", wh.lher In uee.. of lb. requlr.d amollnl or nnl IhAII ,b. duly "11.n.. II lollateral .u.rta, .. till
01111,", .nd to b. by IIld Obllloe rot lined, and Ihall allo keep And malnl.ln the bulldln.. no".n the mortl.I...
,reml"l .nd any hlldln'l ererl,d Ih~roon whllo Ihl, ohlllallnn IhAII be In force, In .ood an. .ufllel.nt re,.lr, I'.
Rh.lI 1110 fol1hwllb rep.y unto Ih. Ohll..n Iny 111m or Inm_ 01 money "ahl by the Obll... for It on ac..u.I" '1'
lIulldln.. er..t.d tber.on while IhlR ohll.nllon .hall he In loren. 0' nhov. required Iwhleh allhou.h 1I0t II bound tII.
Obll," m.y p.y And malnlAln wllhonllnpalrlnl Any olher 01 Ihe rllhtl hlrellnder, Ind It Ih. .,lIon 0' the 01111,"
all Rueh ,.ym.nh or advlllr.. mAd. bv the Ohll,ee may h. added 10 Ihe unpAid balan~. el the 100n\.
WfTHOVT any lreud or further delay, Ihen Ihll 1I0nd Iha" 'Ie void.
PROVfDED, howlver, and It I. herehy npre,,'y a,rerd Ihal II nl any lime del au It b. mlde In p.ym.nt 0' IIld
manlhly Inll.llmenh, and lolal arr.arn... It. equlvalonl 10 Iwo (II eonlreelnd monlhl, In.lallm.nl '.'m....'
er dlf.ult b. mlde In Ihe payme!ll 01 "In.el" when dll~. or Iho prompl Ind punelull mllnl.n.nc. 0' Illd 11I1r-
Inee alll.n." .. .farould when dur, or Ihe paymenl nl Ihe oul .nd premium thtreof wh.n du., wII.",., ,.r.
eh..ed by Ihl Obll.nr or Ohll.eo, or nf Iny lum or luml "nld hy Ihn Obll... fnr or on Iteount 01 Iny tl... It ''''.
mluml or .Ilher (whleh plym.nl, hove not .llhe opllnn 01 the Ohll,.. bnn add.d 10 the un,.ld b.I.... .. till
la.nl, or m.llllenanee 01 IIld bulldlnn~ In Knod nnd lulllelnnl r~palr .ller nollro Irom the ObU,", or 'a tII. ",.al
Ih. hUlldln, or hulldln.. Ihall bn l'han"d nr allrr~d. or IIlhr IIl1e. 10 Ihe mnrl",ld ,,,,ml.1I be t,.II..ned te
anyon. olher Ibln Ih. eurvlvor nl Ihe Ohll,or, or hlR belr or del'lltel, wllhoul Ihe prlar wUI.n ean..nl .. tII. ~II.
.... or In elll nf Iny d"lnll under Ihn IrrmR hcr~ol or Iho nrromplnyln. Mllrt...e, and luch d".ult I. .., H'
of Ihe.. r..'.... ulll for a perlnd 01 thlrly 1301 dlYlllhen and In ~urh flU the unp.ld "'llnOlol the 101.llcl.....
alldlllon.1 .dunen and unplld InlorOlI Rhall,nl Ihe opllon 01 Ihe Ohll.It, breom. due and ply.bl. Imm'i11lte."
.nd plymenl 01 IIld unpaid bnlDhI'e 01 Ihe lonn, nddltlonnl IdvanceR .nd all Inl,,"t th.ron and other Pl'm....
h"eln a.rlld 10 b. m.do by tho Ohlllor may he fnfnrrrd ud rnrovered .t on.., .nyehlll, herein eont.ln.d to tII.
clnlrar, netwllhll.ndln" nnd I wrll or IHIII 0' F..c'rullnn or olher Ilwlul wrll m.y b. '"U.. up.n Ih. ,ud.m'.1
ohlalned upon tbll ohll.allnn hy vlrlue 01 Iho 1I'II1'rrnl "' nllol'lIe)' hrr~ln rnnlalned, or a eompl.lnt In an acllo..f
mort.... forelolure m.y b. med UllOn Ihe nrrnmpun.' IliA ~IOI'IAI.e and prolCeuled 10 'ud.ment and ....uUon
.nd III. to reeover Ihe IIIIPlld hllDnl'c ollhe lonn, nil ndcllllnnll Idunr.. mlde by tb. Obll," II herela .r 0"'''.
wlu le.ally provided, nil InlereRIIherron remnlnln, unpnlcl, In,elhrr wllh 011 fe.., eORI. an. '~ponl" 0' "lIlcl.
In. the lam., Ineludln. an Illornn)"R romml,.lon 01 111'0 llrr r'llIum, nr 1700,00 whichever 1.lar.er, .nyehl.. h.l'I.
In eonl.lned 10 Ihe conlrary nnlllllh~landlu., Iud a. n cou"""nl .nd ~umulallu rem.d, or opllo. 'or Ih. ben.1Il
of Ih. Obll,", III lue....on or a..l,nl, Ihe Inlcl OhllAor dn.. hereby aulhorl.. and .mpower any aUorn., of Iny
Courl of R..ord 10 appear for him In auy eourl 01 ~omllelonl JUl'hdlellon, 10 oonln. Jud.menl a,llall blm .. I.vor
of the Obll,", II IUCClllon or 1..I.nl, In an "nlublo 1~lInn of 'J.olmenl for polI...loa 01 tI.. proptn, ..e.",d
II, the Mort.... aceompln,ln.lhll bond, and duerlbed Ihereln,
1111 lurlher ..preuly und,nlood Ind I.reed Ihl.. II any lum or luml of money .b.1I becom. '1'11111 ...
der Iny pollel.. 01 In.uranoe Inlul'ln. Iho morl.a.rd preml.u, nr hy vlrlue 01 Iny eond.mnatlan or toldn. of tII.
morlll.ed premllll lor puhlte IIU, Iho Ohlll" Ihall hovo Iho opllon 10 reoelvo Ind .pply Ihl 11m. on aceount 01
thll Obll,llIon, or permlllhe Uhll,or In I'oceh 0 ond II~' II, nl' ony Ilorl Ihereol, for the purpo.. 01 re,llrIa. tile
morlll.'d preml"I, or lor an)' olhrr pur"n~e, IIl1hollllhcl'ehy lI'alvlnl or hnporln. Ihll Obll.allan, or the lien 01
Ih. Morlllle 1t01"lnl II. The OhllAnl' horrhy "'Iltrul)' n'~IRn. nnd Irllnlen unlo Iht Obll,.. III .um. 01 money
p'Ylhll under lu~h Inlureuoe olalrn. or cnlldeI1lIlUIl11l1""00tlltll.~, IInd doOl horeby Irrevollbly nomlnlla, eOIlI.
lule ead Ippolnllh. Obll,.. 10 ael ror 1111 Ohll,or II I Irue Ind luwlul Illorney lor Ihe colleollon Ihereol.
1111 lurlber exprfllly undonlood Ind I,reed Ihlllhe remedlu 01 Ihll Obll,llIon .nd the Iteompeayen.
'Iorlll.t lor Iht enforoemenl 01 1111 pl)'nltnl or Ihe Iltlnrlpll.um hereby It~ured, lo.tlher wllh Inlertlt ther.oa,
Ind lor Ih, performlnoe or Ih. oOHnlnll, oOlldlllon. RIIII a,reemenll, mlllen Ind Ihln.. herein conl.lned ere cu.
mullllve IIld eoneurronl Ind mlY h. punu.d Ilnll)', or IlIceelllvely, or lo,elher II the 101. dlloretloa 01 tile
Obll,", .nd
"ll II "preuly und,nlood Ihlllllle In Ihl. Inllenre refer. 10 bolh 1...1 ead .qullable lltl.,
Ilntl Ihl, I. a relt Itnltlln d.hlln.lrumenl,
'",
FARMI~RS TRUST COMPANY
IIIORT FORM RF:AL FJlTATE MORTQAGE
"
Under Act 01 .Iunt '. "". P. 1,.411
wlTNa!1mI T"" MORTQAGE MADE Iht 13th dl)' 01
MlY,
1.17,
IIF:TWEEN MRRLIl R. WITTER Ind CONSTANCE O. WITTER, huaband and wlte, ot 24 York ROld,
CirUlli, PA 17013,
(b.ralllller ~btlber Iln,ular or plllrll, calltd tb. Mort,l,orl
AND FARMI';RI TRUIT COMPANY al Carll.le, PenMylvanll, a eorporlllon ..1.III'lllder lb. II~I 111111 Ctlll.
monwtlllh 01 P.nu)'IYlnll Ibereln,lIpr rnlltd Iho Mnrllllleel \V1I.nonllhl
\\'IIF:RE^,i, Ihe Itld Morlllllnr, h)' hand 01 even dnln horowllb. .Iandl hound unlo 11I1 ~'orl'I'" In I e.rlaln prln.
olplllum, tondlllonld lor Iho pa)'mpnl 01 Threellundred F.1,hty Thoullnd Ind no/I 00
DOLLAR! I' 380,000.00 I and all addlllnnnl mnnt)'1 advanrtd h)' Ibt Morl,a,lI. wllh Inltrlllllltrlnn 'rolll
Ih. dalt allllt ralt provldtd In .ald arrnmllan)'ln. hnnd, In 240 mlnlbl)' pa)'mlnl. 0' nallen
Ihan Three Thouslnd Nine lIunrlrorlTwonlY-lwo nnrl 31/100 DOI.LARa
II 3,822 nnd 31 eonlll Irnm Ihn dalo horan!, lu he appUnd monlhl)' 1.lnllrl.1 on Ihl prll'
clpal amollnl 01 Ihe ohll'llInn. or Ih, rodnord amnllnllheronl, ond Ihe hallnre III Itld pI)'mtnl. II bo Ippll.d 10
reducllon 01 Ihe prlnolpal .um, ""11I Ihe Ilflnolp"1 amollnl nl Ihl ohll,llIon and Iddlllonal IdvIICI. Ind Ilhlr
oh.r,1I midi 10 Ihl Morl'l,or or made Inr Ihe 11Inlerllnn nllho mOl'llo,e Itcllrll)' ~Ilh Inlerlllll plldln lull, All
olhlr Ilrm. and prol'I.lon. 01 Itld hl'nd Ir, IpHUleall)' Inrnrllnl'aled horeln h)' ralerllol aid mid. I part hire.
nl 1.II.al aul verhallm hertln. 1..\ TF. CIIM10t:S I 5% 01 mnnlhl)' pn)'menll' da)'1 Ir mara lal..
NO\V, TIIERF:FORt:, Ihl .ald MorllR,nr, In ennlldCl'oUOn nllhe IlIml IdYlnred b)' Dr 10 be IdYlne.d by Iha Mlrl.
"...,Ih. recellll \\'h.reolll hereh)' arknn\\led~rd, and Inr ncnrlnllla)'menland perlormane. ol.lld ncllad Bind
II alor"lld, dOli h.reb)' ,rlnl. har,aln, loll Ind ennve)' nnlo Ihe laid Morl,a,lI. II. .llentllr.lnd 1111,...
ALI.I thl rolloWlnl five (5) trlcte of lendl
TRACT NO. II ALL thet certlln trect of land situate In the Second Wlrd at thl Boroup
at Clrllell, Cumberllnd County, PennNylvonlll, bounded Ind delcrlbed In Iccordlnce with
.urvey mlde for John F. LUdl by Clerk ^. nrYlIR, Reglatered Burvlyor, dlted November 171
1828, II followlI
BEGINNING It e Htone at the Inter~ecllon of the southern Une or 80 r..t wide EI.t
Pam fret Btreet with the western line of 33 feel wide Bouth Sprlnl Olrden Street I thence
from Illd .tone It the Pllce of Beginning crossing dlelonllly the Inter.ectlon or EI.t Pomrrlt
8trelt and Bouth 8prlnr Glrden Btreel and conllnulng elong the northern line at aD reat wid.
Old MI1l Road, North 57 delrees 23 minutes Rosl, a dlstlnce of 158.1 teet to I .plkl It the
Interalctlon of the wlltern line of Hold 20 feet wldo Old Mill ROld with thl louthlrn lInl
of York 8treetl thlnce cronlng Nold 20 feet wide Old Mill Raid Ind eontlnulnl IllIflI thl
.outhern line of said York Streot, Soulh 57 delrees I I minutes Ellt, I dlltlnel at 207 telt
to II poxt II corner of IlInrl of ANhl8nd CemoterYI Ihenqe olonlUne of '11d A.hland Clmltery,
South 13 delrles 4ft mlnulc. lVeNt, II dlNtlnco of 387.ft feet to a .take It corner or Ilnd rormerly
of 1VIlIllm Blrnltz, later of Frenk 1I0slor, and now or formerly of Richard Blrrell, et all thenel
IlonlUnl of said Ilnd now or formerly of Illchord /lorrolt, et ai, end crolllnlJ rlllrold tricks
formlrly of BoUlh Mountlln Rellroed, later of Ooltyxburl end lIarrlsburl Rlllrold, Ind now
or rormerly of Rllrllnr Rellr08r1. and conllnlllng eloni lend of Marie R. Witter Ind croAlnr
33 feet wide Soulh Spring Oordon Slroel Poxlondod, North 83 derreel 40 mlnut.. We.t, I
dlUlnee of 724 fettlo II .tone lit Ihe PllIce of BI!OINNINO.
CONTAINING ....8011 Icrll, more or less, Including tho rOldbed of 20 teet wide Old
Mill Raid and the righI-of-way of SAid Reading Rellroed, and hlvlnl thereon erected I
two-ltory brick dwelllnl house known ax end numbered 24 York Roed.
BEING the lime premises which fl/enche Po. Ludt, el el, by deed dated November 2, 1878,
and recorded December 7, 1078, In Iho Ofrlca of Iho Recorder of Deeds In and for Cumberland
County al Cullsle. renn~Ylvenlo, In Doetlllook "I~", Volume 28, I'oge 583, granted and conveyed
to Merle R. Wlllor, one of the Morlllogor~ horeln.
(Conllnued on Exhibit "A ")
~UD', ~n 1 IAI,1 ?:1,~
IXHI8fT
~
TOOETHER wllh .11''', 1I1111.ln.., Improvemenll, .n' .ppur'en.ncu whl'.oev.r .h.rtunlo helan.I.., ... th. n.
v.r.I'.1 .n' nm.,.d.n, renl., luuol .nd prallll Iherool Ind .110 IOMelhor wllh III "..11... plllmlll.., elllll.. ...
lI.hll.. II.lur.. lid .qulpm.nl, an' .11 Irr..nl, .lorm wlndawl, Ilarm door., '11'.1..., ... .".d.., IIIW .r ".n.
.lIer '<<II".d '0 or In. I. lie' In or UID' In conn cellon wllh Ih. renl ulnl. .lIav. dllerllltd.
TO "AVE AND TO HOLD Ih. ..m. unlo .nd lor Ih.... 01 Ihl Morl....., III .Il~e....n .r .111... 'Innr.
'RovmED, "ow.nr, .h.llllh. ..I' Mar....or Ih.1I pny And porlorm. .ernrdln. .. Ih. ..n'"lo.. ".neI ...
III' B.n', .nrrlhln. I. b. p.l. .nd porformcd II oforunlcl. Ihrn lito 01..10 herehy ranv.)'.d "' .rlll.. .blll
b.eem. nllll .n. ".1',
BY THE EXECUTION "' dellv.r, 01 1"11 Morl.... Ind ol'he Ilond laru,,' h.nll" 1II. p.rtl.. ".n" .Ift. "It
Iher. .n '''Pll' .ntll.elud.d "er"n. Inr 1ft, .nd .11 p.rpo"I, II .. Inl'.rel p.rll"....." b, ",.,..", lIlIIIlIlI
II II ..110rlh v.rh.Um ".nl., .lIlh. ..n.rel provlllanl, l'IIvenlnl', cln.lllanl, I.' "II....... "...1... .. till
.lIpllll.... .1 O..ml M........ Provlllo.. reeard.d II, .". Morl..... I. .". .fII" .11h. R."..." If ......, II
Cumllt,I... CoU.I, Mlrill" RoolI ... PII....
.'
PROVIDED, HOWEVER, Ihll 1I1h. M"IIII" .".11 p., .11 01 'he Ilorellld 1...III1'g.., ....,.It I" ....r
.11..... wble" Ill', lit Iwl., "ereu.der or under .h. IIcamp..)'I., Iland. Ind .".11 'ull, ,,,f.rm .11 .... IIVI.'
.nll, c""II.n. Illd ..".m.nll,,'lorlh or Incorporlled hrrnln ~n~ In ..1. nond, IIl1n .hl. M.rIl", .haN .. VII'
... rei..... .. .h. "p.n.. ol'he Morl,.,or, ..d 'ho ....In hereb, lrenlld .nd con".,.. .hlll lit v.I'.
WITHEIII". ... ....11110. "er..llh. '1, I.d ,.., IInl .ban "rill...
IIONED, .IALED AND DELIVERED
IN THE PRElENeE OF
{/L/ tfjt/ ~
, Merle R. Wltter
(......
-- ('UL)
~-'". ~.Jt/~.....
Conlt.nee O. Witter
----- - .---_ (.IUL.
COMMONWEALTH or PENN.YLVANIA I
COUNTY OF CUMBERLAND I III
O.w.... 13th ..,,, M.y I A.'" .1 17 ,.....
.. tII. ..d.",.... .fIIet, ptrllllll, .....rId
M.rl. ft, Witter .nd Con'l.nee O. \Yltter, hu.b.nd .nd ,wife,
IIU,'.allrll, '''''" .. Ill. '1 lit Ih. pe,... "bOil ..mt8 . re .....ertfMd .. till wllIIl. I....... ...
..k..wl.... 1h.1 Ihey ........ Ih. ..... lor Ih. Pll....... "'er.', ,,"'1..'.
IN WITN_ WHIRIG' . h.n.... ... Ill)' hll' "' ""cl.1 ...1.
M, .......111 ..,.,..
NOT AIlV ruelle, OAfU'l." CU....IAlAND ooutm', '"
MV COMMlllQIOtlIl\AR" .'IeU" te. .1Il
CERTIFICATE OF RElIDENCE
I eertll, Ih.llh. preeln pl... 01 bu.I.... of Mort..... .. Cerllll., Pen."IVlnl.,
FARMERI TRUIT COMPANY
i ~.-...:- -4. 11 f
Eu'\ hfi 1 l'Atl ;.n j
. MERLE R. .nd CONSTA..';E O. WITTER MORTOAOE
TO FARMERB TRUBT COMPANY
INBERTED PAOE -1-
TRACT NO. 21
;'1.1. Ih.I "I"',iiln Irllcl or land .lIual. In lh"illrllnd word Ilr Ih. RorOllllh or
Carlle'", Climb!! rlllnd ('nunlY, Penn..ylvlnlll, hOIlIIlI..1I Ind durrlbed In
accordlnce wllh r1urvey mlde by l'o'trphen 0, ""lIhl'r un April a I, 19'18 e.
rollow.,
BEOINNINO .1 I .plk. on the .utern IlIIe or h'prlnll Oarden Slr..1 al corn.r
or land now or rormerlv or Ihe Ellllle or ,'ohn F.. I.udl, which .plke al lh. placl or
b..lnnlnll I. In Ihe eulwlI'd eletenelon or the 'ouI".rn IIn. or Milly I'll\ rltl wldl
Ea.I Pomrrel lllIrllll Ihenc. (rom ..Id Hplke II Ih. plll1e 0' b'lllnnln, alan, Ih.
eenler line o( laid land now or (ormerly o( ./ohn E. I.udl F;"al.. and Ihroulh an
'.1..1", rallrold monumenl on Ihr WUlfrn line or Ihe R..dln. Railroad Com;an,
Thirty /301 r"I wId, rlllhl-or-way,' Soulh 77 dl'lIrl" 49 mlnul.. EUI . dl.,.no.
or Nln'Iy and Iwo hundr..dlhe (90. Oat 'eel 10 I poln' In Ihe clnler Un. o( ..ld
ft.adlnl! Railroad Company Thlrly (301 rUI wide 'rlllhl"o'-wa~I Ihenn alo", Ihl
c.nler line 0' IIld Rudlnll Rlllrold ('omplny Thlrly 130) reel wldl tllhl-o'-wa,
Spulh fa dl!llrtell 03 mlnlllu Well a dl..llncl! or Two Hundred Rev.n and Iw.nly-
Iwo hundredthM (207. :12) reel 10 a point on Ihe I8..Illrn line 0' Routh ~rln, Oardln
Slreetl thenc. alonll Ihe ea....rn line 0' Soulh 1\Irlnl Oarden SIr..I, Norlh II
de.re.. 3& mlnule.. EI.I, I dlatlnce 0' One Hllndred ElllhlY IInd Iwenty-Ihrle
hundredlhl (180.231 (III 10 a Bplke II Ihe Pllce or REOrNNINO
RA VI NO It1lreon erecI,d I Concrele block bulldlnll known II and numb.r.d
400 E.., Pomlred Slreel.
BEING the 11m' premll" which Richard E, Birrell and Joy W. Barrell,
hu.band and wlr., by d..d dlled Februlry ai, 1977 Ind record.d F.bru.~ It,
18'71 In the Ortlc. o( Ih. Recordlr or Deed. In Ind lor Cumb.rland County a t
Carllll'I Pennllylvlnil In Deed Hook "A ", Volum. 2'1, Pa.. &24, ,ranl.d and
convey.d '0 Mfrl. R. WIlier and Conlllnce O. Wltt.r, huab.nd Ind wl(.,
MOM.eaon h.reln. .
TRACT NO.3,
.ALL Ut., clrlaln trecl 0' Ilnd IIltulte In Monroe Town..hlp, Cumberl.nd Count)',
PaM->,lvanll, bounded and described III rUIlOWal
BEOINNINO II a point In line 0' land now or rormerly or South Mountain Land
Company, thence alonlllandll now or rormerly or Miriam E. Lloyd, Norlh aa d..r..
Wilt, 110.4 perchlll 10 a polnl; Ihem'e Rlonllll1nd. now or rormerly or John E
L.tnawllver, Norlh 78 1/2 dellne.. 1~lIdl 7,6 perchll 10 a polnl, Ih.nc. .IIll .Ion.
ItlOd. now or rormerl~ or uld LelnlwlIlver, Soulh aa delln.. EIII, U.3 p.roh..
to . polntl thence .1I1l alon. Ilndrl or Ihl' uml', Norlh 67 dl"r.... EIII, 11, S peroh
to a polnl' Ihenc. alonllland.. now or rormt'rl~ or I~dward I.. MIlI.r, Iiouth U dl,rt
U mlnu.... 1::11I1, I dlallnce or 41. 7 pllrl'hell 10 a point; Ihenre alnn, l.nd.. now or
rorm.rly or Richard Maller Ind landll now or rnl'mllrl)' or M. Fl. Arand' Ellal.,
South 79 1/4 dellre.. WI'..., 51. 2 perched 10 I pulnl, Iheoroe lion, Ilnd.'now or
(orm.rly or M. E. Hrlndl ~;1I1ale, SOUlh 21 1/2 dellre.. ~;lIll, 63 pl'rl1h... 10'
potnl In line of landll now or rormerly or rlAld SClulh Mounlaln r.and ('ompanYI th.nce
a!onlllandll now or rormerl," or dold Soulh MUlIlIluin "anu Compan.v, Soulh BII 3/.
d..rell We..I, 32. R Ill!rc'hl'~ Iu II polnl, Ihl! Pille!! or AJ-:OINNIt.;O.
CONTAIN1NCj :12 Acrl''' nnd 1311 1I1','I'hIl8.
'I'H1!:RE Irl' l'Mcfplerl aorl rI'Hl'rVl'lllrnm Ihll f1hnvl" df!irrlhl'll Trorl Nu, :t Ihe Irtcl..
or land Convevnd b~ Iht, (1I11"wln~ ~t'Vt'n dl'I'r1,;
I, Deed to Clyd. R, McKlnnll\', ,Ir. anrl wlff' dllll'd ,Iunn 13, InBl Ind
r.corded In IIld Rerordr'.... 0((11'" In 1l1'l'd lIullk "F''', Vol. 20, Pille 479,
2. Deed to Flye no.vl.. rll'ld\l~r rt~lt'd ,IlInl' 13. '1161 !Ind rl'rorded In ..Id
R.corder'" Omrl' In Deert IIl1nk "I,''', Vnl. ~n, I'nlll' H12. I
bUDK hfU "ACl
//It:(/I{l
EXIIIIlIT "A"
-;
MERLE R. and CONSTANCIl O. IVITTllll MOR'I'GAGE
TO FAnMER8 TRUST COMPANY
INSRRTED PAOE -2-
3. Deed to 1.loyd H. liC'rrlng by duel! Qatllrl June 27, 1882 and rlllordld
In laid RecorQer'. Ornee In Oiled [Jouk "O"~ Vol. 20, Pille US.
4. Deed to Merle R. Witter dated July 8, 1962 and recorded In .ald
Rlcordllr'lI Ortlce In Deed IloOK "0". Vol. 20. pII"e 4ft4.
6. Deed to Paul S. Burtner and wire dhlud AUllulit 14, 11I82 and recorded
In aald Itecorder'.. Ornce In Deed Book "I'll. Vol. 20. plge 643.
e. Deed to Norrie F. Kuhn dalud Novembpr 9, Ifl62 and rerorded In ..aid
Itecorder's Office In Oued Book "n", Volume 20, palle 900.
'I. Deed to I..eon Anthony dated Mlrch 27, 1063 and recorded In .alli
Recorder'. orncl In Oeed Book "UlI, Volume 20, Palle 396.
BEINO all of Tract No. Ii which Conatance O. Witter, rormerly Con.tance 0,
Kllnldlnllt Ind hUlibantJ by deed dilled ,Iune 17, 1968 and recorded In the Ortle.
or the Recorder or Deed.. In and ror Cumberland County at Carll.le, P.nn'ylvanla
In Oeed Rook "u". Nol. 22, palle 809, grllnltd jUld conveyed to Merle R, Witter
and Conlitance O. Wltte'r, hUl/band lU'ld wHe, MOI'tllallors herein.
TI1AC1' NO. .1: AI.L Ihal certilin 101 of Ilround IIlluale In Ihe Vll\alle or Churchtown,
Monrul! '1'ownl:ihlp, Cumblll'lanu Counly, Pllllnaylvania, bounded and ducrlbed al
Callow Ii:
BEOINNING Ilt 11 point In the center or Church or Water Street; thence alonl prop.rty
now or Cormel'ly of Homaine 1::nck, NOl'lh II degreell 30 rnlnutea Weat, a dlwtanc. 01
Elllhty.Coul' ((l4) ruel, more or leaD, 1011 pOIlI; Ihence by same, North 'II d..rall 10
mlnUleli Wesl, a ditHllnee oC Three und SIX tenths (3.6) feet to a pOltl thlncl by lama/
Norlh 10 uellreetl 15 minuln Weill, Il ULlllunce or Forly-eiaht (48) reet to a polntl
thence by Iil;\me, Soulh 611 dellreell 45 mlnulell Wesl, a dllltance or Eilhteen end
~l!Venly-uluhl One Hundredlhli (111,711) fellllCl a lilakel thence by lime, North 44
dllllreell WUIlL, II t1ltilallCIJ of 'I'wel1ly-nlllu (2U) reel 10 IAllluke on the South Ilde or.
Union AlIuYi Ihuncu ulonlllhe Suulh IlhJe or Union AllllY, North III delre.. ElUt,
11 ullilllnlle ur DlIll Hundred "'orly-Ihree allu ELGhty-five One Hundredthl (143.86)
Ceet 10 a pOlnl in Ihll centur or MaLn Slrectl thence by center of Main Street, South'
16 deal'ellll 45 mlnul8ll ElISt, a dUilllnce of Two Hundred (200) reet to a point, thl
Interllecllun or Muln lInd WUlllr SlreOlaj Ihence by cenlllr or Water Street, South.,.,
dellrellti ao rnlnull!ti WIlIII, U ulDlancll of Gnu lIulldreu Sevlln and Twenty-four Onl
llundredlhH (IU7, 2011 flJOllo u fluLnl, Ihl! Plnce or Bl!:OINNING.
CONTAINING .405 Acre, morcol'lullb,
U:SS, 1I0Wf:VF:R, IhollO Iwo cerluin IruC11I of Illnd which A. S, Blllck Ilnd Dorothy I..
llIack, hill wU'u, by Ihu followinll uUlldll, Iluld 1A1Id conveyud from the tract in quuUonl
(11) Oued tJutlld OClober 2:.\, 10~8, recoruud In I:J "y" 282 to Mabel O. Oibbl
(b) Deed dated June 17, lU49, rccorduu ill 1411011 526 to Paul F. Qullley
Ilnd Hllzal L. QU1llluy, hili wlfll,
Bf:lNG 1A1I of' 'l'I'llIll No. I which Contilum:ll 0, Wlllllr, fUL'merly Conllll;\nce O.
KllnodillHI, unu MUl'lu It, Wlllur, hur hUbhund, by lheir deed dutlld the 171h day
of June, I!lOU, Ilnu rucorded thll 171h ullY 01' ~une ,191l8, in the Orrlee of the
lheorder of Deedt; In /lnd for Cumbur lunu CounlY III Car Hsle, Pennllylvan il;\, in
f)ulld Uook II U ", Volume 22, PUIIU BOO, IIrunted and conveYlld to Merle It.
Willer und Conlllllnce O. Wlllc!', hUllbullu unLJ wliu, MOll'I'OAOORS herein,
III ~ If A/ }&::~
EXIIIIIIT "A" (Conllnued)
,:"j
, l."
I
bOOK &f;, I'~r.r
~.
11/ ( Z1;,.
, ,
.. t '.'
. . OENERAL 'PROVIIIONI INCOItPORATF:n nv RF.FERFlNCFl AND NOT ,'0 BEl RECORDED HIRI WITH
TII. ..11"".. II . cop, of Ih. ,en,nl prO\'I~lon~, cOVln.nl~. rnndlllon~ ..d ollll..tlonl c.nlll..d I, ... ...........
If O..n.1 Morl",1 rrovlllnn~ whl~h .r. Incorpor.l.d b, ref.r.nn .1 .n 'nl..r.' p.rlef III. f......... M.......,
~, vlI1l1 .llh. Ad of Jun. " Inl, r, L, 411,
STIPUJ.ATION Of' OENF.RAI. MORTOAOE PROVISIONS
B, Formon Trll~1 rampln" C.rllll., Ponnl,lvlnl.
THE fOLLOWINO ..n.r.1 prOYIRlanl. cal'onlnl~, ~andlllnnl .nd obll..llonllh.U II. .n Inl..r.' p.rI tf .., IIIIrt-
.... h.r..lln r.urded In .n, Cnnnl, 'n rfnn~)'lvlnla In lavar allh. und'rll,ned, hor.ln I.rm.. III. M.rIt....,
wh.n luch luhllquonll, "rnrdrll mnrlAnRc o~prcnly prnl'ldu Inr Ih. In~orpor.lIon of Ih. '0110""" ....r., ,,,,vl'
Ilonl, oOVln.nll, condlllnnl .nd nhllAlllnn~ II an InlrRrAI pIl'llhor,nf b, r,'oronc. 10 Ihl. rocor." 111,.1.1It..
ADDITIONAl. ADVANCF.S, 1'ho ~lorl.aRf .nll Ihc IIfn Ihmnl Ih.1I ho lICurll, nol onl, 'or III. .rI.I..,IId.,...
.dn..1 I\Ild.ncod b, Iho .ccomplnylnR llnnd. hnl abn lor nny nlhor luml Ih.1 m., lie 10.... or ..,..c.. ~, III.
Mon..... 10 Ih. Morl,l,or II .n, Ilrnr or IImr~ hOl'eoller,
PAYMENT OF TAXES, IN!ll1RASCFlPIlF:~llI'''S Mm 01'lIF.R ClIAROES,
From 11m. In 11m., unllllhr dfhlllld Inlrrfll nre lu'ly pnld. ~Inrl,a,or Ihlll p" .nd dl,ch".., wh.. ... .. III.
11m. Ihlll bocom. dno .nd 11I)'.hlf, all II~rR. "'RfRhll11ull. Rfwer Ind w.ler renlo, .nd .11 olh.r ch.r... .n.
clllml .Iltll.d or tlVled b, .ny lawlnl Inlhnrlly upon IU, pIl'I allho marl,n,ed preml'''1 PI' .1I,roun. r.all
re..n.d Irom Iho mart,A,ed proml!ol .od pAl' nnd IlIlChlll'AO nil moohlnlol' lIenl whloh m., b. IIIld .,.IIII..ld
pr.mllll .nd which Ihlll or mlAhl hlIG 1II'Iolly In IIfn 01' palmcnllo Iho dobl IIcured h.rlb" p., .nd dloeh.r..
.nl' I.. which m., bl Irrlfd hy nny dllll' l'n".llIlIlrll nnlhnl'lIy upnn ~'orIAIAOI on .ceounl 01 or mlllur.. b, Ih.
.mounl nl dchl 11110 hercllndor nr IIn,lol' Ihr nrrnmplln)IIIR IInnd I prnvhlo, renow and keep .lIve luch pollcl.. 01 h...
.rd .nd lI.blllly IllIlIrln~f n~ ~lnrlnll~ff 1II0Y 11'''11I limo In Ihno reqlllro "l'on lho bulldln.. Ind Improvemllll.ow
or herllller eretled upon Ihe ~'nrl.o~cd III'CIlII~fR. IIl1h In'l 11l11'oi,lo doulu In I. VOl' 01 Mort'.... .. lie lallr..I
m., .pp..r.
MAINTENANCE AND REPAIR OF MOIITIIMHm PIlf.\IIRF.S, Mnl'l,a,or Ih.1I m.lnl.ln III bllldl.,. ..d 1m.
prn.mcnl. ,"hjocllo 1I11~ ~Inrl~a~r In ~nnd nn,l _lIh~lnnllnl I'fpnlr u delermln.d b, lItorl...... Mort'.... Ih.1I
h.velhc rlAMln enler III'on Ihf mOl'IRoRrd 111'rI1l!!nl AI 11)' "fRlnnnhlo hOllr Inr Ih. r"rllOlI ollnlfllclln, Ih. or.er,
condlllon .nd ropalr ollho hlllhllnn nr hlllhllnR' rrotlrd Ihrrrnn, And Co m.he In, nlld.d r.p.lr..
NON.PAVMF.NT OF TAXER, ISSUI\.\Sn:, OTlllm CII^II111':S. ANIl COST OF REPAIRS, In III. .",nl M.n..,.r
n.,lecll or relllel la Pi)' Iho 1"11. In~lIl'nllcc 11I'rmhlllll nr nther rhol'ln .bove m.nllon.d, wllhln II d.,. .llIr 11Io
lime become dllo .nd pnYlhlf, or loll. C" mnllllllln Ihf blllhllnRR Amllmllral'tmonllll ,'or...ld, Ihlllll. M.rIt..
,", m.y, .1111 aptlon blllwllhnlll AnI' nhllRAlInn In dn Rn, RIII'lnr. Iho IIlml requlrcd .nd .dd .n, .m'I'" II ...
venocd la Iho prlnclp.1 c10bllCrllrcd hrrrhy. nllll cnllN'1 the lime OR . p.rl ollh. prlnclp.1 d.bl.
.TRANSFER OR ENCU~fRRMiCI: OF' ~llln'rnMmIlPltF."'Sf.S, Morl.l.or "1'111 noli. Ir'.ller 1111. I. I,..
mOrl,.,.d pr.mllll unlllllhe ~'arIRAAer ron.rnb In w.lllnA 10 IlIrh Iron,'er, A Ir.nlllr 10 Ih. .urvlvor .r ..\11.
.... or heln ollhl Morl.l.or nr . ule by hlR rft!nllnl rrtlrCRrnlllll'nln Ihe eVlnl 01 Ih. Mort...or'l ...11I.11I11
nol como wllhln Ihe prohlblllon nl Ihl 'ol'r~"III~ ,,"lel'o, ~'nrIRAAor .110 rovell.nll .nd "1'''' nollo c....I. "1'
p.rmlllo IOcrUI, IIpon III or nllY 111I11 nllhr mnl'tRD~I'd pl'rlnl~o~, an, dobl, lion or ch.r.. which would lie prl.r I.,
or oa . p.rll, wllh, Ihl lion allhll ~'''I'IRIIR~.
REMOVAL OR ALTERATION OF UIPRm'''\mSTS, ~lorIRA.or I.ren nollo remoVl, d.m.lllh or m.1Io .., ..11.
IlInll., .Iler.llonlla .n, Improvcm,nll nnll or h~rcnllrr In~at~d on Iho morl,.,ed pr.ml... UIlI.lIlh. M.n.....
conllnl. In "'rllln,lhlrela,
ASSIONMl':NT OF RF:NTR, ~ln\'IAIIRnl' n','I"n~ nnclll'lmd('fM IIl1ln MorlAaRoo In, .nd .11 rial. Iram Ih. m.rIt.,..
pr.mllll, ond nlllhnrbu Ihr ~'nI'IRn""n nt nllY IIll1r IIl1'l'c I, n c1o'llIllllnclor Iho Mort.... .r .ccompan,ln. lI.nd,
10 'Iko pnl"clllnn oJ, rcnl, I'rplllr, nlld "1"'1'1110 MIld 1"'I'IIII<r" 111111, 1111"1' 1I0dllollllA all COI" 01 callecllon, oper.llan,
r.p.lro .nd IdmlnlRlrallnn. In DPIII, Iho hlllDm'r 01 lln' I'rlll~ rerelvrd on ncrnunl ollh. obll..llon ollh. Morl",Ir.
Morl,',II .h.1I h.velull power 10 leo'l nr rCllrll' h'II'Cl III'nll IlIoh lorml .nd condlllnnl .1 10 Marl,',1I m.,
I..m proper or dlllr.blo,
ACCELERATION OF M,\TlllIITV ^:'>Il rnnF:CI.llRIJlII, 1'llnCl,amlNoS UPON DEFAULT. In c... d.l.ull b.
m.d, b, Ih. ~lnl'l.l.ar In Ihf IIDII1l~1I1 nr III1Y 11I!lnlhl\('1I1 01 1lI'lnolllll, Inlerul, or olher 11m. p.,.bl. uldn III.
lerml 01 Ihll Morl,I,' or Ihe acCOmlln")'IIIR 11011,1, nlllllho 1010111I'1'1'111'8101 11'0 cqulvellnlla Iwo canlr.clld monlh.
I, In,I.llmenl pI,menl.. or In Iho oHnt of n hl'l'neh h) Iho ~hI\'IAa.or 01 an, 01 Ihl alh.r obll..llonl, cOVln.nll,
condlllonl .nd ..reomenl, oellarlh In Ihlh ~'nrtRn"r nr In Iho ncrompln,ln, nond,lhon IIld In luoh c...lh. Inllro
unp.ld b.lonce allh, IndeblodncKR Incllldh'. .dl'nnn! Ind nil nihil' Rllml p.ld h, Ih, Morl,',1I In .ccord.nc. wllh
Ihl lorm.
-Morl..,or ..re.. nol to Irlnder 11110, 1~~1I1 01' rll"llnhle, IInloll MOI1...ce conllnllln wrllla,lo IIch
Ir.nd.r, Thll prOYlllon IR lor Pl'tI'ClIlllIR '\MI'~rlllenll 01 SlIlo Inr I'UI'PO'" olher Ihlll p...ln,I.,a! 1111.
wllhln 110 dl,l olll,nln. IIld A.rormonl 01 Sule,
bUO~ hIli IALl 2,11
',' I.
tf "''' M'r1I'" .r lilt .~c.mp.n"n. Bond. \Il,ellltr ",lIh unrlld 'n"..." Iller..., .h.II, ., .... ..... .. .... M""
....., ... \\1\h.., nellee, h.cam. Imm.dl.,.I, duo .nd p.,lbl" and fo...cloll'" .roc...'"" m., lit 'rotIh'
I.rlllwllh ."Ih. Mon.... .r l.d.mpnl m.l' b. fonl..... on Ih. .~Clmp.n,ln. B... .". ........". " I......',
.....11.. ..d 1I1,'.r Ih. coll.~lIon ollh. ..m~, lo.clher wllh ~nl" .1 lull .nd .. ."'nt,'. e.mm'..'.. r.r .,.
INII.. .,11.. per ""I.m ollh. lol.llndlhl.dnoll or Iw. hunlll'cd doll.n, whlch...r I. ....,....r ...... M......
....r hI...II, la....., ".tVtl .nd r~lc"tI .11 frl'oroln ~nkl prncredln.l, ".'v., ,I., tf ...CllIo., .... I1.M .. ......
Illltl ... ..lI"llon 01 11m. 01 p.,mcnl. ..reca 10 I!Qndomnlllon 01 .n, properl, l.vI.. .pe. " vll1H II ..,
.lIh .....11... .n. ..Iv.. .11 nempll.n, lrom I", .nd 1110 01 in, proper!, 'h.I new II .r hi.....", .., lit ...
.m.... b, ,...
IUCCa'OR INTI!:RESTI, TIll obll..llon,. CaVln.nl" condlllon, .nd ..r"m.nlt c....,... '1IIIlI M'rIt'" ...
III. .eeom..n,ln. Bond Ih.1I b. blndln,lIpon. .nd Ihe benellh Ihoreol ~h.lIl.u... ", III. ....'"".. PI"'" hi.....
tin. tho'r ,..pecllve peroan.1 rlpr.,.nl.IlVl., hclro, 'lIc~elloro .nd ...1'11.
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RECORDED II 11I1 Olfln lor fluordh'. 01 lIeedl In Ind lor
In Mort.... Book ,v.-h) No. ~ll Po., :;;1fJ. Ac.
WITNE.S m, h.nd .nd 1111 01 olllee \hll I ~
Anno Otmlal II 87.
, "( . ~,""'~l~"'" ....
~ .,.'-:-." -.\ ~ ~ po I,,,
,'" '.... ..,.,. ,...
.....1' ",,~;,,;i'l~""'-:'~' .
Cumberland Count)';', .~ I, ,:....... I ,,\ ~.
. ... ,. ,7r~ "~ . ""
- ..., ,-1.' ,\.,
- ....... /~ ~'-
j - ~'~ '-..,......... ......~r....
dl' 01 ~ \'-: ,:r.....::...,.. !,'..::.)
~. ) ~ ~.~ ~.~...~.~:;--."
"'---,-'. ....,. \. '~, J'.
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'" .~Ji'ftttI.. .. ..,...... '~'.l.,._IIl'
.. ..............................
Ileeenler.
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MAD~ rH. I 7.p- , .~ e/
e'eN' IAN.... 'M"'....i IllIM AliMrH .lItty-ellbl.
" .... ,-
.rrlVr:r:N CONSTANCE O. WITTER, tormerly Conltanee O. Kllnedlnll. and
MERLE R. WITTER. bor hu.band, or lbl VIIl'le or Churehlown, (Pall om..
Allin). In Monro. Townlhlp, Cumb.rllnd CO'lnty, PeMlylvon'-, IIII'll.. at lbe
111'11 port, ~:
",
ONII''''',
'M MERLE R. WITTER Ind CONSTANCE O. WITTER, bu.band Ind wlte, at lb.
Vlllaae or Churehlown, (Pall Ortlee Allon), III Monroe TOWMbip, Cumberland
COWlly, Penn.ylvanla, partlll at thl lIeond p.rt, "
~"
w,rNESSEfB, IMIIII '....w.ra"".' On. Dollar
(.1.00).........................................__......._........~N.
III MM ,.iII, tAt racll"lwA."e' it A",~ fUNII/""'", tM .'" rru'wl. Am~ ,,.,.,
...., C'"'" te tAl .014 '''"'''1 , Iblllr beln and "'Ianl,
ALL Iholl flv. eertll!n lraell or '11\d IlIllIte In lhe VllII" a. Church-
lawn, Monro. Townlhlp, Cumberland COWlly, PeMlylvanll, boWlded Ind dllcrlbocl
U rollowlI '
:TRACT NO. i , ,
ALL lhal oer1lln 101 at .roWld IIIUlI, In lbl VlIII" at Cburcblawn,
Townlhip at Monroe, COWlly or Cumberllnd, PeM.ylvantl, bo-.nded ,llId dllcrlbocl,
I' tollowlI '
BEOINl'.lNO II I point In the clnler or Church or Wltar SIrlltl thlnel IloGl
propert, now or rorm.rly of Romllne Enek, North II d'lrll. 30 mlnule. We.I, a
dlllanee or Ellhly-rour (84) reet, more or I..., to. POll, thine. by 11m. North n
dearlCll 1& mlnut.. Wilt, . dl.llIne. or Tbree .nd Six Tenlhl (3. I) reel 10 I pOltl
Ibenoe by lime North il d'lreel U mlnuteo Wilt, I dl.tanel qt Forty-ll.hl (48)
'"1 to a polnll Ih.nee by ..mll Soulh 08 dlllr... .5 mlnut.. W..I, I dlltane. at
Elahleon and Sov.nty-.llht On. Hundredlhl (18,78) reet 10 a lta"e, Ihlnoe b, 11m.
North H llllllroCl Well, I dlllllnc. or Tw.nly-nln. (a9) rO'I to I ltak. on the South
Ildl of Union Allo)/l Ihonco alonalho Soulh .Id. or Union Allay, North 5' dl.real
EIII, I dlltanco or On. Hundrod Fort,-Ibree ind Ellbly-(IYI ani HWldredlbl U4l. II)
real 10 I pOlnlln Ihll elnl.r or Mlln Slreal, lb.nc. by olnl.r or Mlln Slr'll, Soulb
18 dl.r... 45 mlnulll EUI, a dlltanc. 01 Two HWldred (aOOI r'.I 10 I polnl, Ihl
Inlerllellon or 1II.ln Ind W'I.r Slreel'l Ih.no. by o.nter or Wlter SInaI, Soulb n
dl,ree. 30 mlnulll Will, I dl.tanc. of On. Hundred SI"n Ind TWlnty-'oW' ani
Hundredlhl (107, a41 tee I 10 I palnl, lb. place or BEOlNNlNO.
CONTAlNlNO .40& Aen, man or I....
LESS HOWEVER, Iholl lwo c.rtaln Irlcll a. Ilnd wblch A. S, IIllok Ind
Dorolhy I. BliCk, W. wit., by lb. roUowln, d,.dl, laid Ind cony.yed rrpm lb. tract
In qUlllloRl
(I) Ooed dll.d Oelob.r 23, 1948, rellorded In 13 "Y" 'II 10 Ma,* 0, Qlbbl
, ,.
(b) Deed dal.d JWlI i7, 1949, reoorded In 14 "0" ne 10 Plull!. Qul,ll'
Ind Hlul L, Qulll.y, bLa wll.,
ec~ U 22,i.li 809
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...............~ ..-.-.,.. .-..... -- .... - .
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BEINO Ibl ..ml prlml.1I whlcb A. ibu_n Bllcll Ind Will, by dl" dolld
April:il, un. Ind rllorded In Ibl Of.lcl O. thl R.corder,ot Died. In Ind 'or
Cumberland County II CirUlli. P.MI,lv1II)la. In Died Book "A". Vol. Ie. PI,I
a... ,,,ntlld and conve,ed 10 Jobn W, Kllnedlnel and Conolanel 0, Kllnedlnll.
buoband and wlte. Tbe laid JoluI W. Klln.dlllllt baYin, dhld on Februal")' I.. 11/114,
tllIe 10 laid praml'" remained v,"ed by ope"Uon 01 law lollly In bll lurYiYin,
Ipouoe Conllance O. Kllnedlnll. wbo bal linee ramarrlld Ind who II now COnltancl
O. WI"er, onl 01 thl Oranloro blreln.
:, TRACT NO, :I
A LL thaI certain 101 01 .round Illuole In Ibl VIIII,e ot Churcblown, (AUln.
;" PI.I. Monrol TOWllllhlp, Cumblrland County, P'Mlylvonll, boundld Ind d'llerlbed
>:, II rollowlI . .
.f...' I
", BEOINNINO It I point In thl c.nter ot Mlln 8tr..t. lAId point hln. Filly-
"" II.bl (511 r"l 'rom lbl bullclln,llne 01 Cburcb or Wlllr 81reelll Iblncl IloD, Ilndl
''1';' now or 'orm.rly 01 A. S. Blick ond Dorolby I. Blick. bJI Will, Soulb n de.r... :10
mlnul.. Will. a dlltance 01 Shrty-alx and Five Tlnlbl (88.51 leel 10 In Iron plpOI ,
Ibonel by lbe lime. North 1& de,rtOI 4& mlnuleo Welt. I dllluncl 01 Slxty-fivI (8&1
rill lo.an Iron plpel th.nce by Ibe 11m.. Nortb 70 de,ne. 30 mlnulll EIII. I dlltanol
01 Sixty-ani Ind El,bt Tenlhl (81,81 'eel 10 I pQinl In Ibl clnlor or Illd Mlln Slrllll
lbencI by tho.cenl.r or IIld fllaln Slrlel. Soulb 18 de,rlll 45 mlnullI Eall. I dl.llnol
01 Slvlnly-lbree (731 reel 10 I polnl, the pllcl or BEOINNlNO.
CONTAINtNO Four Thouund Soven Hundred EI,bly (4,7'801 Iquora r..I Ind
heYin. Iblreon encted I lrame dwell In, bouoe.
BEINO the lime premll.. whlcb Paul. F, Qul,ley Ind wl'e, by deed dalld
Oclober 31. 1962, and recorded In lbe Oltlce 01 tbl Rlcorder or Deedl In Ind lor
Cumberllnd COWlty II Carlllle. PeMlylvonla In Deed Book "R", Vol. aD. PI,I 5U.
lI'anled and conve,ed 10 Jobn W, Kllnedlnll and Conllancl 0, Kllnedlnll. blllband Ind
Wlrl, Tbll IIlIld Jobn W, Kllnedlnsl haVlnll died on FebrWlI")' 14. 1964, tllIe 10 luld
premlllll remllned vesled by IJperalion oC law solely In bll lurYiYin, IpOUU COnllanCI
0, Kllnedlnll. wbo bal .tnc. remarried and wbo I. now COnllancl O. Willer. ani or
Ibl Oranlorl blreln. . .
1
TRACT NO, 3
ALL thaI certain tract or land llluole In Monroe Townohlp, Cumberlond
County, PIMlylvonla. bounded Ind deacrlbed II rollowl, to-will
BEOINNtNO al a polnt In line or land now or rormerly or Ibl Soulb Mountlln
Lind ComplnYl Ibence Ilon,landl now or Cormerly or Miriam E. Lloyd. North a2 ,
de,ree. Well. One Hundred Ten and Four Tenthl (110.41 plrcb.. 10 I polnll Iblncl
Ilonlllndl now or rormerly 01 Jobn E. Lelllllweavlr, Nortb 78 1/2 dl.r... EIII.
Sovln Ind SLII Tenlbl (7.6) percbes 10 I polnll th.nce IIlIIllon,llndl now or 'ormorly
a. Illd Lelnaweaver, Soulb aa delre.. Ellt. Fllleen Ind Tbrel Tlnlbl (U.31 percbl'
to I poi'nll Ibence Itlll Ilonlllandl or Ibe lime. North 87 dllrlll Ellt. Sovlnty-III
Ind Tbree Tentha (76.31 perch.. 10 a polntl Ibence alonlllnd. n'ow or rormlrly or
EdWlrd L. Miller. South 25 delrl.. 2& mlnut.. EIII, I dlllancl or Forty-onl Ind
Soven Tenthl (41.7) perchol to I polnll thence Ilon,llnd. now or rormorly or
RIC:'lrd Moller and landl now or rormerly or M. E. Brandl Eltlll, Soulb 79 1/4
dllflll Will, Fitly-one Ind Two Tenlbo (111.2) porchll 10 I polnll thencI lion.
I.ndl now or rormerly or laid M. E. Brandl Estate. SOUUI 211/a dllrulI EIII,
Slxty-Ibr.. (831 percbel 10 I polnl In line or landl now or rormerly or IIld Soulb
Mountain Lind CompanYI thence alongllndl now or rormerly or laid Soulb Mountain
Lind Company. South 68 3/4 d"ree. Wilt, Tbirty-two IInd E1,(hl Tenlha (3a.81
perchel to a polnl. lbe Place 01 BEOINNINO. ,'.. ..~ .:' : '.; I
'-
CONTAININO 32 Acr.. Ind 136 perchel.
BEINO lbe same premle.. whlcb William A. Smllh Ind Wile, by deed daled
AUIUII 29, 1960, and recorded In lito Ollice of Ihe Recorder or Deeds In and Cor
Cumberland Counl)' at Carllale. PelU1s'lv....nln. In Decd nook "Zo". Vol. 19. pale 4411.
.ranled and conveyed to John W. Kllncdlns! and Conatance 0, Klinedinst. husband Ind
wile, The IIIld John W, Kllnedlnstllavlnll died February 14, t064. Utlelo laid
premlaes remained vcsted b)' operation 01 law solely In hla surYivlnll spouse Conllanel
0, Kllnedlnsl. who haa since rema rrled and who Is now Conllance O. Wltler. one 01
the Oranlorl hare In.
I I
,
TillS conveyance Is Irom huabnnd Ind wile to husband and Wile Ind II
Iberelore exempt Cram Commonwealth 01 PeMs,lYIlnla and Monroe Tow'nahi Realt
Tranoler Taxes, .....:Boo l\ u. J.~ 'ilf'tiit:...lIO p Y
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TIIERE Ire IlIcepled Ind relerved from Trlcl No, :I ~bove delcrlbed th.
Iractl of Ilnd conveyed by Ihe followln,lOven deedll .
I, Deed 10 Clyde R, McKinney. Jr, and wire e1a1.d June U, 11181 Ind
recorded In IIIld Recorder'l OHlce In De.d Book "F", Vol, ao, PI,I nll.
2. D..d 10 F.y. Boyle Pletcher dll~d Junl U, ilIl1 _nd rocordod In 11..1
Rlllorderll Olllel In Deed Book" F". Vol, ao. pale 482,
3, Deed 10 Lloyd H, lIerrlng by deed dilled June n. ID8a .nd recorded IA
IIld Roeordor'l Ollieo In Doed Book "0", Vol, 20. palle 2n,
4, Deed 10 Merle R, WIlier daled July 8. ID82 and rocorded III '11d
Rleordlr'l Olllel In Deed Book "a". Vol, 20, pa'l 484. 'IC.
II, Dud 10 Paul II, Burtner and wUe dated AUIUII 14, IDea Ind r.cordod
In IIld Roeorder'l Orrlee In Oeed Book IIp''. Vol, 20. pa,.I43. '.
8, Dud 10 Norrll F, Kuhn dll.d Novlmber I, 1112 IlId rocordod III .lld
Rleorder'l OUlCI In Deed Book 'IR". Vol. 20. pile DOO,
7, Dud 10 Lion Anthony dlted Marcb n. ID83 Ind rocorded III Illd
Recorder'l OlllcI In Deed Bock "U". Vol, 20, pa,e 3D6.
TR.'CT SO, 4
ALL. IIlaI elrtllln 101 or lIround IIlUlle In Monroe Townlb1p. Cumblrllnd
COWIl,. Ponnl'l....ni.. bounded Ind d..crlbed &I rollowlI
BEOINNING II I polnl on Ibl Southern Ildl or I Thlrty-Ibro. (nl fool road
al IIn. of llnd now or formerly or Edward L. Miller, thencI by laid tlnd now or
form.rly 01 Edward L., Miller. South 22 1/4 del reel EIII. ani Hundred Fifty-
Ilk 1l~611ell 10 an Iron pin Ind Ilonal; thence by Ilnd now or formerly or
William A, Smitb II IIJI, Soulb 61 1/4 de,r'aI Will. ani HII/ldred Twenty (1201
leal 10 I IIlIke, thlnce by land now or rormorly of Cl,dl R. McKlnnlY, Jr,. all4l
MIl")' J, MeKlnne,. bll wUe, North 8 3/4 lIellre.. Will. On. Hundred rilly (UOI
r..1 10 I polnl on th. Southern lide or IIld roadl thenel by Ibl Southlrn Ildl o.
laid Road, North 81 1/4 delrell EIII. EIcbly-ellbl (881 'eello a polnl. thl pi...
or BEGINNING,
BEING lb. 18m. premllll whlcb Flye Boyll Pleleber Ind bUlblnd by deod
dlt.d Morcb 24, 1964, Ind recorded In Ihe Olllce or Ibl Rlcordor or Dlldl In .ad
ror Cumborllnd County al Carlllle. Pennl,lvlnll. In Deed Rook "M"; Vol. U.
pall 84, llranled Ind conveyed to Conll.lnce 0, Kllnedlnll. wbo.e nam. II now
Conl\anoe 0, WlIIer. one of Ibe Gruntorl l1erlln, L
TRACT NO, ~
t. A \..1.. Ihal certain 101 or llround sltuale In Mnnroe Townlb1p, Cumberllnd
County, P.nna,lvanla, bounded and deacrlbetl II 101l0wII
BEGINNING III a point on \he Norlhel'n Bide or a Thlrty-Ibree (331 rool rOld
II IIns of land now or Cormerly 01 Edword J., Miller, thenc. Ilonlth. Northern
lido oC lAid rOld, Soulh 81 1/4 deure.. Wilt, Elllbly-Iwo (III re.l. mora or I....
10 II Hllk.; thonel by land now or lormlrly oC Conltance O. Kllnedln... North. 3/4
dOlrOel WOIl, One Hundr.d Fifty (\ 1101 rul 10 I polnl; thenal by lime. North 11
3/4 del fOOl Ell', Forly-.Illhl (481 Ceel. man or I.... 10 a polnl on 11n. or land
now or Cormerl, or EdWlrd L, MllIerl Ibence I.y llnd now 0, 'ormerly or EdWlrd
L, MlIllr, Soulb aa 1/4 d'lreOl EIII, One Hundred Flfly-oUl (U81 rnt, roOft or
1111, to I poinl, the Pllce of BEOlNNING,
i
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:)
B
BEINQ tho Illme premll" which Mer'e R. WIlier, by deed eIaled May U.
10114. and reeordod In the OlClce 01 \he Recorder 01 Coedl In and ror Cumberllnd
Counly It CorUlle. Pennsylwnla, In Deod Book "M", Vol, 31. Pllll ea. lronled
Ind convo,ed \0 Con.lanco O. Klln.tllnll, whOle name II now Conllanc. 0, Wllter.
one of Ibo Ortnlon herein,
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"".'-.1".... -, ,.... '- A&1 II I,",
Mttl" Nil, INot r"'.iM, 'I~
~ijaz
"~llalt' .f-fIr r h' '~,
C:~ I" 'r ;,")1
UM I la" '.~~.r'
.1.."~I..,.'a
;l)lteil)~
Uti: 1 12 15 'It 118
.. ... w-
, .
.tADI rHI 2nd .vof November
of 011' t..r4...."'-~ 11111I IIII~'" IIventy-.I,hl (18111,
arrwrrN BLANCHE E. LUDT or Ih. Borou.h of CarUII., Cumberllnd County,
ponntylVllnll, Ictlnl throulh her A\torn.y-ln.Flct, John F. Ludt, III.
JOHN F. I.UDT, IV, or Staunton, Vlr.lnll I WILLIAM O. LUDT, of Wilt
Pennlboro Township, CumberllUld County, Penntylvlnla Ind MARY JANE LUDT
or N.wport, Perry County, P'Ml)'lvanll, putl.. or the flut pari,
0rtIIItr . ,
a~
MERLE R, WITTER, 01 Monrol Townlhlp, (R, D. n,
Mechlnlclburl), Cumberland County, penntylvanll, party or lhl IIcond part,
I
0tuU. I
WlfNESSETH, Ihlll~ eotUld4ralloft of Two Hundred Shrty.flve Thoullnd and 00/100
($265,000,001- -.... - u - __ u_ - _.. - .... - - -- n -.. - .........-..... ...- Dolla,.
i" 1lAn4 paid. Ih. rrenpllL'h",of illl4,.b1/ uelmowltdg.d, Ih. ,aid ,ralllor I 1Io II"."" ,N"I
alld CO"VIV 10 'h. Kid ,ra"'" , hie helra Ind olltlnl,
-
ALL thlt certlln troct or land situate In the Second Ward of the Borou,h or
Carll lie, Cumberllnd County, PeMl)'lvlnll, bound.d and dllcrlbld In Iccordanc.
111th lurvey mlde ror John F. Ludt by Clark A. Bryan, Rellotered ~rvI,or,
dated November n, 1929, II rollowla
BEOINNINO It I Itone It the Interllctlon or thl South.rn 1Inl o. 'SIIlty (801 rllt
wide Eut Pomrr.t Street with the Wutern line o. Thlrly-thr.. (33\ rllt wid. South
~rln. Oarden Street I thence rrom IIld Itone II thl Plac. o. 811lnnln. crollln.
dll~on~I\)' the Intersection 01 East pomlret Street and South Sprlnl Ouden Street
and contlnulnv alonl the :O;orthern line or Twenty (201 reet wid. Old :\1\11 ROld,
:-Iorlh 57 deAreel 23 mlnuteo Eut, a dls13nce or Seven Hundred Ftrty-.11I Ind
Onl Tenlhs (756.11 reet to a ,pike at the Intersection 01 tho Wutern IInl or Illd
Twenty (201 loot wide Old Mill Rood with the Southern IInl or York 9lrllll thonel
crolllng IIld Tw.nty (201 loot wide Old MlII ROld and conllnulnl alon. thl Southern
IInc or said York Street, South 57 deareel 11 mlnuln Ent, a dlltlnee 01 Two Hundred
Seven (2071 leet to a post at corner 01 land of Alhland Cemetery. th.nce olonallnl
01 oold Alhlond Cemetory, s.,ulh 13 deafen 45 mlnutll Wnt, I dllllnce of Thrll
Ilundrcd ElahtY'leven and Five Tenthl (387. 51leet to I Itake It corner or land
formerl:, 01 Wlllla.m Bnrnltz, lator 01 Fronk C. BOiler, and now or lormuly or
RIchard Barrett, et 811 Ihonce alonallne olllld land now or form.rly 01 Rlchlrd
Barrett, et 01 and croulna railroad tracls rOl'merly or South Mountlln RIUrold,
bter of Gett~'lbura and Harrlsbura Railroad, and nolY or form.rly 01 Rudlnl
Railroad. and continulnq along land of :llcrle R. Witter and crolllnl Thirty-three
(33) fect wide Soulh Sprlna Gard~n ~reel Extended, North 83 delreu 40 mlnulU
Welt, a distance or Seven Hundred Twehly-Iour (72411"t 10 I lion. It Ihe Pilei
of IlEGINNINO.
CONTAINlNO 4.805 acre., moro or leu, Includlna the roadbed of Twenly (20\
feel wide Old Mill ROld and the rlahl.of.way (II 81ld Rndlnll Rallrold, and hlvtnl
thoreon orocted a two. story brick dwelllna house known BI and numb.r.d 24 York
Road.
eo~!fi r.\r.[ 593
, ,
1'. """''":''''''..";''','1't'I..,.,.~.....",.,......,I'''I'"\1. ...~
, .
,
8E~Q all or Ihl pr.mllll which Walt. I' A; Bordner Ind Rerlhl II, nordn.r,
hUlblnd Inri wlrl, by dted dalld F.hruary 23, 1011 Ind recorlled Mlrch 3D, IQII
In lh. omcll or th. R.cord.r of Deed. In and lor Cumberland COUnl)' II Carll lie,
Plnnayll/anla In Dud Book "R", Volum.8, Pille 187, lIranlld Ind conl/.,.d to
John F, Ludl.
I
I
THE IIld John ... Ludl dl.d NOl/ember II, 1843, hal/In. nul midi' LI.I Will
Ind Tlllamenl dlled June I, 1828, Ilnc. hll dlllh dul, proved Ind rlmalnlnll or
record In Ih. Orllce or lhl RIIIII.r or Wille In Ind ror Cumbtrllnd Counly II Carll.II,
PlnnI)'IVlnl.. In Will Book 43, Pile 202, wher.ln hi did devl.. Ihl h.rllnlbovl
dllcrlbed preml... 10 hi. Three (31 children, John F, Ludl, Jr,. lva J.n. Ludl.
Ind Bllnchl E, Ludl, lubJICllO Ih. rllhl or II/I Jonl Ludl Ind Bllnchl E, Ludl to
occupy \hI .lml unlU marrl.d,
Ttf'E Illd lva Jano Ludl dl.d April II, 1018, Inllllal., unmorrl.d Ind wllhouI
IIIUI, '"v1n. to lurvlv. h.r I. hiI' 101. hllre'II-llw her ellt.r, Bianchi E. Ludl
Ind her brolher, John F, Ludl, Jr, to whom her lnlereolln thl premllll dUlcrlb.d
b, op.ratlon or law IhuI vlltlng In Ollnch. E, Ludl an undlvld.d onl.hllr Inl.rlllln
lhl above dllcrlbld premllll and In John F. Ludl, Jr" an undlvld.d onl-hllr Inltrlll
In Ih. Ibovo dllcrlb.d premlll' lubJecllo lhl rllhl or Dllnche E, Ludl 10 occupy Ihl
lunl unlU luch tlml II 0111 Ihould marry,
THE undlvldld on.-hlll Interell or the Illd John 1", Ludl, Jr" who dl.d
Novambtr II, 1868, WII conveYld by hll Executor by deed dlted Januory &, leu
Ind record.d Jlnulry 8, 1971 In th. ornc. or Ihl Recorder or Dlldl In Ind lor
Cumb.rllnd Counl, al Carllll., Pennl,l~anla In Deud Oook "X", Voluma 23, Pail
782. 10 John F. Ludl. IV. Wllllun Ludl Ind Miry Jln. Ludl. Ihrn or Ihl Ortnloro
harlin,
" THE Ibov. mlnllonad William Ludl Ind Wllllun O. Ludl lro onl Ind Ihl .una
p.roon,
THE ..Id Bllncha E. Ludl by Inllrum.nl dllod Junl 10, 1818 Ippolntad hlr
n.phaw, John F, Ludl. III II hlr IIltornly-ln-Flol, IIld Inl Irum.nlll Inl.nd.d
10 bl recordld In the IboVI mlntlon.d R.cordlr'. CrIIcl conl.mporln.olllly
hlrowlth,
THII D..d I. 1.lcul.d 011 boh.u or BI.lIchl E, LlIdt ror \hI pllrpOH 01 cOllvl)'ln,
hlr lIndlvldld ona-haU Inltrlllln Ihl abova dllcrlb.d proml'lI Ind 'or \hI rllr\har
PUrpOIl or lannlnatln. Ind Ibandonlnl hor rllhl 10 lIccuPY IIld preml....
'... COMMONWEALTH 0/ ~.NN'MANII. =
.... .. COMMONWEALTH 0' PENN$VLVANIA =
OI'ARlMINI 01 RIV Nul = .n r,IP.lRlII.INf 01 illV NJI =
.. 'l~lIV ' ~~, BE
... -
.. 'fAII' e,.'M B=
1~~~1f1l1l"'11 ',~'1' 9 0 O. 0 0 E ..
.. 11~~III. m'l1I r~\ 800,00 5
. ...
.. UlIlI. ::
.. UI III ::
... COMMONWEALTH 0' flNNmVI.NIA =
.... Dl'AlfMIM 01 ~I =
· B=
.. , AIIV ' =
.. Ih~IfIlIlH'" ~\ B 6 0, 0 0 ~
, Q '.1.<1111 =
IO~~ rAC[ 594
, ,
NOTICE OF INT~T10J:J. TO FORECLOSE MORTGAGE
TO: " t. '''I~I', ;.1ttl'r
. 1'( l" 1",,,,
C '~'rl!i.!u..l\,l.l.:\ l~f,"
Dill 01 Nollce ._:~U'C!~
"...
-.,
-
l~t.;.i
LOin No,
2tllC(,j:,
TheMORTGAGEheldby "i'LL, il. ,'J..:l .:".,1:/. ill';1 .;t., C.1rl1~"', ;'., 1~..i;
(herelnefter we, UI or ounl on your property loceled at 24 ',"1" ;lc;i".'
IS IN SERIOUS DEFAULT beclluse you hllve not mllde the monthly pllymentl of $ 1. '.f'
for the monthl of ~. "- 1'-'" /::J......1!i91., IInd I,!r"" .,. '''.
end /or beceule
Lite chargeland other chlrgel have allo accrued to thll date In the amount of S,o:'.' J , The totll
Imount now required to cure thll default, or In other wordl, get caught up In your payments, al of the dlte o. thll
letter. II $ " " ',' .:....
You mllY cure thil defllult within THIRTY (301 DA YS of the dete of thilletter, by peying to UI the IIbove emount
of $ ',. I ;"'. '. ~. . plul IIny edditionlll monthly peymentsend lete chllrge which mllY filII due during thll
period, Such flaymen~ mUlt be. made either by cuh, c~shler'l chec.k, c.!.'lfI~ check or money order, and made at
,':. Ll:..!~.C -t,'1"L':' t; _:..,t.~.nv I .t:t:\: ~111~!t :..l~:r,.:,t ~i1rliHle, 1'!\ 1 ,01 j .
If you do not cure the default within TH I RTY (30) DAYS, \WI Intend to exercile our right to eccelerete the
mortgege peymentl. Thll meanl that whltever II owing on the orlglnll amount borrowed will be conlldered due
Immediately and you may lOll the chance to PlY off the orlglnel mortgage In monthly Inlllllmentl. If full payment of
the emount of default II not made within THI RTY (30) DAYS, WIIello Inr.nd to inltruct our ettomeYI to ,tert e
leMult to foreclo,e your mortgeged property. "the mortgage i, forecloled your mortgeged propllrty will be,old by
the Sheriff to payoff the mortgege debt, If we refer your CIII to our attorneYl, but you cure the de'ault before they
begin legal proceedlngl against you, you wlllltlll have to pay the reasonlble attorney'l feBl, ectullly Incurred, up to
560.00, However, If legal proceedlngl ere Itarted against you, you will heve to pay the rllsonlble ettorney'l 'eellllen
I' they ore over $60,00, Any IttorneY'1 feel will be addad to whltevar you owe UI, which may allo Include our
reasonable cOltl. "you cure the defeult within the thirty dey period. you will not be required to pey ettorney', fee,.
We mlY also sue you personally for the unpaid principal balance and all other suml due under the mortgage,
If you have not cured the default within the thirty day period Ind 'oreclooure proceedlngl hive begun, you ,till
heve the right to cure the defeult end prevent the IIleet eny time up to one hour before the Sheriff', foreelo,ure ,ele,
You mey do .0 by paying the totelemount of the unpeid monthly peyments plu,eny lete or other chllrfll' then due,
e, INrIlle, the reelonllble ettorney', fee, end co,ts connected with the foreelo,ure ,ele end pIIrform eny other require-
ment' under the. "!.~rt'~!{!I,' I t II eltlmated that the earliest dete that luch I Sherlff'llIle could be held would be
IpproKlmltely - U..' :.4 . A notice of the date of the Sheriff lale will be lint to you be'ore the IIle. O' cou.....
the amount needed to cure the de'ault wllllncrealB the longer you walt. You mlY find out It any time eKactly whit
the required payment will be by ceiling UI at the 'ollowlng number; 24 3-3~ 12 . Thll payment must be In clsh,
calhier'l check, certified check or money order end made payeble to UI at Ihe addrellsteted above.
You Ihould reellze that e Sherllf'llale will end your ownerlhlp of the mortgaged property and your right to remain
In It. If you continue to live In the property after the Sherlff'l nle, a lawlult could be Itlrted to evict you,
You have additional r/'ghU to help protect your Interest In the property, YOU HAVE THE RIGHT TO SELL THE
PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBT, OR TO BORROW MONEY FROM
ANOTHER LENDING INSTITUTION TO PAY OFF THIS DEBT, YOU MAY HAVE THE RIGHT TO SELL OR
TRANSFER THE PROPERTY SUBJECT TO THE MORTGAGE TO A BUYER OR TRANSFEREE WHO WILL
ASSUME THE MORTGAGE DEBT, PROVIDED THAT ALL THE OUTSTANDING PAYMENTS, CHARGES AND
ATTORNEY'S FEES AND COSTS ARE PAID PRIOR TO OR AT THE SALE, AND THAT THE OTHER REQUIRE.
MENTS UNDER THE MORTGAGE ARE SATISFIED. CONTACT US TO DETERMINE UNDER WHAT CIRCUM.
STANCES THIS RIGHT MIGHT EXIST. YOU HAVE THE RIGHT TO HAVE THIS DEFAULT CURED BY ANY
THIRD PARTY ACTING ON YOUR BEHALF. YOU HAVE THE RIGHT TO ASSERT IN THE FORECLOSURE
PROCEEDINGS THE NON.EXISTENCE OF A DEFAULT OR ANY OTHER DEFENSE YOU MAY HAVE TO
ACCELERATION OR FORECLOSURE.
" yotl ctlre Ihe defatllt
you are not entitled to th
IX""'"
))
stored to Ihe lallle posillon alff no default had occtlrred, However,
It more than three tlmelin any calendar year,.
Bv
Nil' ll.~ 2 !I,1I4 n:t~.1
:1.':, "-.r, ,dh.bt. ,........ il .
IOQiR ~ ..... _ r.... '. ..'
, 'IMPORTANT: NOTICE 0' HOMEOWNuis' euEliIlENCY MORTIIAIIE ASIIITANCE ACT 0' ,.. '
t'LIAIE ..lAD THII NOTICE. YOU MAY BE ELllllBLE '011 'INANCIAL ASSIITANCE TOWAIID YOU" MOIlTQAIII PA~
III: Account No,
1I'lln(;~"'.t'
01'.: r .'n ,or}, ...., , {~I\ 1.\
TO: :.:t1rh 'L ,,'it.t'.l". ,~~ \"(',,1. :~rVH;
fROM: ..,ll"t....t"; .t1'rt' .~.-~~-nn'.' . t, f.r"
:~'I,'1 ;..\ 'I. P^ "(11-:'
,'ir.h ,~t"'~tt. 1':1'-' ',.,.1..:.,
n', ,-fl'.,
You, mort,.gell In ""ou. del.ull bee.u. Vau h... I.lled 10 plV p,omptlV Inll..II!'!'nt. 01 pnnelpll.nd Inl.,..I," requlNd. lor.
penod 01 .t I_t .I.IV (10) d.ya, Th. tal.1 .maunl 01 Ih. dtllnquenev I.. 'J, ',' 3e. II S . Thol lum Inclucla. IhI tollowlng:
...t:i p:l.., ~'\...l~ '1:'~14 "\'l', ;','1 ,;., lfl"~, ",. , ". .af".":' I ~ 0"" r . ,.., .... 1,...\...., u.
'. >~':.-., .1.
You, martg.g.11 .110 In d,'.ull lor the lolla"'lng retIOn:
(u. Ihl. pI"graph onlv lI.pplletblt)
You m.y be ./I,'blt 10' I/n.ncl., .../If.",,, ,h., will pravenl loreelDlurt on vau, mortg.gell you comply ",lIh IhI provlllont 0' lilt
Homeowntra' Emergancy Mortgage AooI.llnet Ael 01 1113 (th. "Ael"). You m.v be .ll9lblt la,emargancy lamporary _lIlInce II your
dalault h. baan eluoad by elrcum,"n_ bevand you, eanlral,.nd II you rnatllh. .lIglblllty requl_nll 01 Iha ADt u delamIlned by
tha Ptnn.ylvanl. Hou.lng flntnc:e Agency. Pi.... "'d.1I 01 Ihl. NOIIet. II eonl.ln. an upl.n.'/oII 01 YOU' 'Igh/l.
Unde, II.. Acl, you are .nlllled 10 ./lmporlry ".y 01 lareclolurt on your martg.ge 10' Ihlrty(lIO) d.y. lrom 111I d.,. ollhll NOlie.,
Du,'n, 'h., I/me you mu,' .""". .nd .".nd . "l.e..lo.I.et" /lltlllIng wllh . rtproMn/ll,.. ollhl. Itndt" 0' with. de./fnoltd
COll.umt, cNdll counlllln, lII.ney. Th. purpoll 01 Ihl. millin, I. 10 .lItmpllo worlr oul. replymtnl pl.n, 0' 10 Olhl,.IIt..tIIt YOU'
dallnqlltflCy. Thll /lltllllng mulf occur In IIta 1lI.,lhlrty (110) d.y.,
II yau.tltnd. fac:t-I04.et rnotllng wllh Ihl.l.ndar. or wllh .ean.umer eradll eoun..Une .gancy Iclanlllltd In Ihll notlct, no turtlltr
procotdlngtln mortgage lortCl_rt may ..k. p1_ for tIIlrty (301 dtyalltar IhI cia" of tltl. meatlng,
The name, add.... .nd ..laphana number 01 our ""rMIll..llvala:
Y!1v~. rr;.~'I.'
1 '1:' .~.t :: j ,'!- ..~,..,.,..
f".~.r111 .,.. :..,,\ ~~,'r1;
Taltphona Number. '~ .;- :; 1',
, 'T"!! ntrna(.).nd .cId....(..' 01 (.) dtal9n.led eon.umer crldll eounltllng .gency(I"ll. (.rtl:
.'II~"
- \1 I .' ~..t.,...+t.
'~lll'~ '..1 : l' ;li\ 1 ",;,(11":
.'
III. onlv -ry to achtdUIt ona f.ee-to-I_ rnaellng. You Ihould .dvIl1lhl.ltndlr Imllltdlallly of your Intenllano.
II you h.valrltd .nd I.. unablt to rtIOlvelhl. probltm.1 or .It.r your I.ee-Io-I.ct milling, you hove IhI rltlht to IIIPIV tor financial
_I,"net 'rom tha Hom-...ra' Emtrgency Martglfll A..,.llnc:e fund. In ordtr to do till., you mutt fill oul, algn and lilt a eomplalld
Ho_nara' Emtrgenev AooI...nc:e Applleatlan wltlt alll 01 Ih. dtalgn.led con.urner eradll eounltllng eganclee lilted abcM. An
.pp1lettlon for uel,"nc:e m.y only be ob..lned lrom . eon.umar eradlt eounltllntl agency. The c:onlUrner eNdlt eounoallng agency
will 11I1.1 you In IIIl1ng aut Vaur appllettlon.nd wlll.ubmll vaur eompltted .pplletllon to IhI Penn.ylvanla Houlll\fl '1- Agency,
You, appIlelllon mull be IlIed 0' poelm.rlred wllhln Ihlrty (110) d.y. 01 you, 1_10-1_ /lltlllIng,
Ill. ,.'rtmtly Import.nl Ih., you 1111 your appllc.lIan promplly, /I you do nal do '0. 0' /I you do not /ollOw IIta olltar lima t>>rIodI..,
lorth In Ihl. Itl"', /oree/Dlurt m.y procttcf ",'nll you, ho,", Immad/.",.. .nd you will IorItll YOU' "/fIb/lily lur 11I/.,...,
Av'lltblt fund. 'or am.rgancy martg'lII ,,,',"nea .ra ve,.,. limited. They will be dloburaad bV thl Agency unclar the atlglblllty
enlln. ....bll.htd bV thl Act.
Ill. ,.'rtmtly Import.nl Ih., you, .ppllc.lIan I. Kcurall .nd compll" In .very rooptCl, Tho Penn,vlv.nla Houllng flnonce Agency
hu .I.ty (101 d'V.lo m.k.. dlel.lon .ltar II rtCtlvae vaur .pplletllon, Dunng Ih.t .ddltlon.1 time, no lartClaaurt proc:ttdlng. will be
pUlluld .g'ln.t you II vau h.va melllta tlm. ltqulrtm.nl. ..I forth .bova. You will be notified dlrtCllV by Ihll Agency 01 III dlDlllon on
vaur .ppllettlon,
Th. P.nn,vlv.nl. Hau.ln, flnlnet Agency 1.lac.ted .t: 2101 North front Bt_I, P.O. eo.I02t, Harrllbulll, PA 1710ll, Tataphona
Number (717171O-3f1OO or , .tllO-342.2317 (tall ,_ numberl,
D Enclooad ".0 I. D You h... ,'ready rtCtlvtd D In .ddltlon vau will recatv. .noth.. nail", from Ihl. landar unclar ADI S 0'
1114, Th.1 natle.11 called. "Nallc. 01 Intantlan 10 fo..cla...., Vau mUlt ...d both notlell, Ilnc:e IhlV both ..pl.ln nghtl tII.t you now
h... undar P.nn,vlv.nl.I."" Ha""..r,1I vau ehoa. 10 ....el. vaur rltlhl. dllerlbed In thl. notlc., "" c.nnal fo...,l_ upon you
during Ih.t time, AIIO, II vau rac.'ve IInlncl.1 ...,.t.nc. Iram the P.nnlylv.nl. Hau,'ng Fln.nea AgencV, vaur hllflll DIlnnat be
lartClalld upon ""II. vau .rt rtcalvlng thll.III.I.ne.,
HEIAA At" "II
,.....T
/1.
v.,.,. truly VOUIl,
'II..
. . ... "
,II,: ...... ..l"I.&j"t.:r, "LLt.
.1
I .~1
., I
-'
"", IIIIle..
NOTICE OF INTENTION TO FORECLOSE MORTGAGE
1 '
TO: ,f-,,..ll-:L \\t1~''',H.
OlttofNotlce "'''',~'. ".. Irr.~
'" tl't .pl. .~ ",1
'f,. . .\'.r
LOin No, ,1..,.--
-.."."'\'1 r ",~ 1"'7! f~
The MORTGAGE held by :';l1p-r' '::\,,'r I; 1,:;XII,'''. 1 \""'F\" ili.';' .It',Hle,t. '~,il.-;tJ.l,. lilT:
(hereinafter we, UI or ourll on your property located at '~~ 'il:r;; .k.,t,
IS IN SERIOUS DEFAULT because you have not made the monthly payments of $ 1,,'H.-
for the months of ..\11. In.., ,..-('Il. I ','}.l ,end ;!':,l"t":: 1"."'.
and /or because
Late chargel and other chargel heve also accrued to thll date In the emount of ~ ': r', ~. , The totel
Imount now required to cure thll default, or In other wordl, get caught up In your peyments, II of the dlle o. thll
letter, liS' .". ".' .
You may cure this default within THIRTY (30) DA YS of the date of this letter, by paying to us the ebove amount
of $ ,";:.3.1.: , plus any additional monthly paymants and late charge which may fall due during this
period. Such payment mUlt be mede either by cllh, cashler'l check, certified check or money order, and made at
.:J:~1-,"'t.n.l ~L"'C:".~ CC',"-:'l.r. , 1 ',;F~t :IJUIl 3tr'-'p\", lL'rl.~. p~ 1701" .
11 you do not cure the default within THIRTY (301 DAYS, WII Intend to exercise our right to acctllerate the
mortglge paymants. Thll meanl that whatever II owing on the original amount borrowed will be conlldered due
Immedlltely and you mey lOll the chance to payoff the original mortgoge In monthly Inltallmentl, 11 'ull payment o.
the amount o. deflult Is not mode within THIRTY (30) DAYS. Wl! also Intend to Instruct our attomeys to st.rt a
I.wsult to foreclose your mortgaged property, " the mong.". Is foreclosed your mort~d proparty will be sold by
the Sheriff to payoff the mortgage debt, 11 we refer your CIII to our IttorneYl, but you cure the de'lult before they
begin legll proceedlngl against you, you will It III hlva to pay tha reasonable attorney'l feel, ectullly Incurred, up to
$60.00, However, If IllIal proceedlngl are Itlrted agllnlt you, you will hava to pay tha reasonable attornay'l 'eel even
If they Ir. over $60,00, Any IttorneY'1 fael will ba edded to whatever you OWl! UI, which mlY allo Includa our
relsonlbla COlts, "you cure the def,ult within the thirty d,y pariod, you will not be required to pay attorney's fees,
We may also ilia you personally '01' the unpaid principal balanca and all other IIIml dua under the mortgage.
If you hive not cured tha default within the thirty day period end foreclOlllre proceedlngl have begun, you stili
have the right to cure the def,ult and prevent the sale ,t ,ny time up to one hour before the Sheriff's foreclosure sale.
You m,y do so by paying the tor.1 ,mount of the unp,ld monthly paym.nrs plus ,ny I.te or other ch'/VIs then due,
IS well IS the relSon.ble ,ttorney's fees and costs connected wIth the foreclosure sale ,nd parform ,ny other requIre.
ments under the mortgage. It II estimated that the earliest dlte that IIIch a Sherlff'llIle could ba held would be
opproxlmltely JI:!"> ; >;Co! ,A notice of the date O. the Sheriff IIle will balent to you be'ore the lila, Of course,
the Imount needed to cure the de'ault will Increale the longer you WIlt. You may find out at any time eXlctly whet
the required p.yment will be by calling UI et the following number: ~.1'- '? 1 e . Thll payment mUlt be In cash,
cashier's chack, certified check or money order and made payable to UI at the eddrellstated above,
You should realize that a Sherlff'llale will end your ownership of the mortgaged property end your right to remain
In It. 11 you continue to live In the property after the Sherlff'llIle, a lawlult could be started to evict you,
You have additional rrghto to help protect your Interest In the property, YOU HAVE THE RIGHT TO SELL THE
PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBT, OR TO BORROW MONEY FROM
ANOTHER LENDING INSTITUTION TO PAY OFF THIS DEBT, YOU MAY HAVE THE RIGHT TO SELL OR
TRANSFER THE PROPERTY SUBJECT TO THE MORTGAGE TO A BUYER OR TRANSFEREE WHO WILL
ASSUME THE MORTGAGE DEBT, PROVIDED THAT ALL THE OUTSTANDING PAYMENTS, CHARGES AND
ATTORNEY'S FEES AND COSTS ARE PAID PRIOR TO OR AT THE SALE, AND THAT THE OTHER REQUIRE.
MENTS UNDER THE MORTGAGE ARE SATISFIED. CONTACT US TO DETERMINE UNDER WHAT CIRCUM.
STANCES THIS RIGHT MIGHT EXIST, YOU HAVE THE RIGHT TO HAVE THIS DEFAULT CURED BY ANY
THIRD PARTY ACTING ON YOUR BEHALF, YOU HAVE THE RIGHT TO ASSERT IN THE FORECLOSURE
PROCEEDINGS THE NON.EXISTENCE OF A DEFAULT OR ANY OTHER DEFENSE YOU MAY HAVE TO
ACCELERATION OR FORECLOSURE,
" you cure the defalllt. the I
you are not entitled to lh is rlgh
to the same positioll as if 110 default had occurred. However,
a then Ihrae times In any celandar yeer.
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IMPOIlTANT: NOTICE OF HOMEOWI~EIlS' EMEIlGENCV MOftTGAGE ASIIITANCE ACT OF 1_,
PLEAlIE IlEAD THIS NOTICE, VOU MAV IE ELIGIBLE FOil FINANCIAL ASSISTANCE TOWAIlD VOUIl MOIITGAGI 'AVMIHTI:"
liE: Accounl No,
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Your morlg.g,','n .lIlou. d,'.ull bee'u" you h.v.lllI.d 10 p,y promplly In.I.llm.nl. 01 prlnclp.l.nd Inl.roll, .. requlred,lor.
period o. .11..11 1IIIy (80) dlY', Th. 101.1 .mount o. Ih. d.llnqu.ncy II' " , ( ,r , Th.1 .um Includo lhe loIlowIng:
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Vour mOrlg.g. I. .1.0 In d.l.ulllo, Ih. following r...on:
(UN Ihl. p.rog,.ph only II.ppllcebl.)
You m.y b. .lIglbl. lor IIn.ncl., .1I11I.ne.,h.. ..//I pllVlnl loree/Oluro on your morlglg.1I you complv wllh Ih. provlllon. ollhe
Hom.own,"' Em.rgencv Morlg.g. Aullllnc. Acl o. 1113 (Ih. "Acl"), Vou m.y be.lIglbl,'or .m.rg.ncy lImporlry UlIIII_1I your
dll.ult hH bien c.uNd bV clrcum.llncn beyond Vour conlrol, .nd II VOU mullh. IllglbltllV requlrollllnl. olth. Acl.. d,'.rmlned bV
Ih. P.nn.ylvlnl. Hou.lng Fln.nee Ag.ncy, Pie... ro.II.11 01 Ihl. NOllce, II conflln. .n ..pl.n.,/on 01 your rlghl..
Unlllllh. Acl, you .1I.nllll.d 10. flmpOllry ".y 01 lOllclo.uro on your morlg'l/Ilor Ihlrly(lO) d.y. lrom Ih.II.11 01 Ihl. Nolle.,
During Ih., lime you mullllllng. .nll .II.nll. "I,c"Io-/.e." milling ..IIh . rop_I.IIV1 01 IhI. I.ndlr, or wllh . IIUlgn.1Id
con.umll credll coun.lllng .g.ncv, Th. pUrpOIl 01 Ihl. mullng 1"0 .'IImpl 10 work oul. ropeymenl pl.n. or 10 olhlrw/H HI/It your
dlllnqUlllcy, Thl. milling mu,' occur In Ih. nI" 'hlrly (:to) d.y.,
II VOU .1I.nd .,._lo4.CI mHllng wllh Ihl.l.ndll, or Wllh I conlumll clldll coun...lng 'I/Incy Idlnlllled In Ihl. notlca. no lurlher
procaldlnglln mor\gllll'01K10.ulI m.y Ilk. pl.calor Ihlrly (:to) dlyo.lllr IhI dill ollhl. mealing,
Th. n'IIlI, .ddr... .nd I.llphon. number 01 our rop....nllll..lI:
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~h' ~.m'll).nd .ddlll'(O' 01('1 d..lgnlled con.umll credit counHllng'l/Incy(lull.I'ro):
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Ill. on IV n_ry 10 IChedull unel.Cl-lo.',c, mullng, Vou .hould .dvllllhl.l.ndlr Immadl'"ly 01 vour Inllnllon.,
II VOU h.ve Illed .nd.1I un.blllo IIIolve Ihll p,obl.m.1 0' .ltll your 1._lo-l.c. mHllng, VOU h.velh. rlghllo .pply lor linanclll
H.III.neelrom Ihl Hom.own,"' Em.rgencv MOrlg.g. .....llt.nc. Fund, In orellr 10 do Ihl., VOU mu.'1I1I oul, IIgn .nd 1111. complt\ad
Hom.own,"' Emergencv .....lllInCl "'ppllc.llon wllh on. ollh. dI.lgn.,ed conlumer credll counullng ...ncllllllled lbow, "'n
'PPIlClllon lor H.I.llnel mlY onlv be obl.lnId Irom . conlumll credll counHllng'l/Incy, The conlumer croclll cou_lIng qancV
will 1..111 you In 1II11ng oul vour Ippllcellon .nd will lubmlt your comrl.led .ppllc.,lon 10 Ih. Plnnlvl..nl. Houllng Flna_ .....ncy,
Your .ppllo.llon mull be /lied or po,'m.rlled wllhln Ihllly (30) lI.y. 0 your '.el'lo-l.ce ","ling,
III. lI,roml/y Imporl.nllhll you /III your .pp/lelllon promplly, /I you 110 nor rlo '0, or I' you do nol /ollow Ih. olh" lime per/otll H'
lOrlh In Ihl.,llllr, loree/OluII m.y proCHd .g,'nll your homolmmldl.llly .nll you will 'orllll your .1I"blll/y 'or ...,.t.nce,
"'VIII.bl. lundl lor .merglncy morlg.g. lul.llnc. erl v.ry IImlled, Th.y will be dllburHd by Ih. ...g.ncV undlr lhe 1l1,lbllllV
crlllrlO ullbll.hed bV Ih. "'ct.
III. lllrom.'y Imporllnl Ihll your .pp/lc'/lon I. leeu"lI.nd comp/ll.ln lV.ry ro'plCl, Th. P.nnlylv.nl. Houllng Flnlnca"'lIIncv
hll .lolV 1101 dlVIIO mlkll d.cl.lon .lter II "cllv.' your .ppllclllon, During Ih., .ddlllon.lllm., no lorecloluro prOClldlngl will be
pUFlu.d .g.lnll you II VOU h.v. m'l Ih.lIm. IIqulromlnll.1I fOrlh .bov., Vou will be notllled dlreelly bV 'hOl"'l/IncV 0111. decl.lon on
Vour IPpllc.llon,
Th. P.nnlylv.nl. Hou,lng Fln.nc. "'g.ney Illoc.l.d.t. 2101 Norlh Front SIIUI, P,O, Boo IOn. H.rrl.burg, P'" 111011, T.llphone
Numbe' (7111780-3100 or 1.too.342.2317 (tall I,.. numbe,)
o EncloNd .110 I. 0 Vou h.v. .I".dy IIc.lv.d 0 In .ddlllon you will "calv. .nolhll nollc. from Ihl. Ilnd" und" "'cl eo'
1174, Th.1 nollc.l. cllled. "Nolle. of Inllnllon 10 FOllelo.." You mUll ro.d bolh nollcH, ,lnCl Ih.y bolh IIpl.ln rlghl.,h., VOU now
h,vI und" P.nn,vlv.nlll.w HOW'VIf,1f VOU choo..lo ...'cll' your rlghll dllcrlbld In Ihll noli c., WI c.nnollorocloH upon VOU
during Ih.1 11m. ...1.0. II you rec.lv, IIn.nelll .lIlllInc. Irom Ih. P.nn,vlv.nl. Hou.lng Fln.nc. "'g.ncv, Vour home c.nnol he
10llcloHd upon whll. you "' IIc.lvlng Ih.llllllt.ne.
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FARMERS TRUST COMPANY,
plaintiff
IN THE COURT COMMON PLEAS OF
: CUMBERLAND COUNTY, PENNSYLVANIA
:
: CIVIL ACTION - LAW
vs.
MERLE R. WITTER and : NO. 94-2318 CIVIL TERM
CONSTANCE O. WITTER, his wife,:
Defendants ACTION IN MORTGAGE FORECLOSURE
H'..
AND NOW, come the Defendants, Merle R. witter and
constance o. witter, his wife, by their attorneys, Fowler,
Addaas, Shughart' Rundle, and make the following Answer to
plaintiff's complaint:
1. Admitted.
2. Admitted, except that Defendants reside at 512 creekview
Lane, Mechanicsburg, cumberland county, pennsylvania 17055.
3. AdJllitted.
4. Admitted.
5. Denied as stated. The deed reference in Paragraph 5 is
the recording reference for said real estate mortgage set forth
in paragraph 3. On the contrary, Defendants, either individually
or aa tenants by the entireties, are the record owners in fee
siaple of the premises subjeot to said mortgage by virtue of the
vlrious deeds recited in said mortgage. By way of further
answer, oertain of said premises have been released from said
mortgage by plaintiff.
6. Denied as stated. Defendants have paid $4,395.00 on
aocount of the installments due for January 19, 1994 to April 19,
1994. By way of further anewer, Plaintiff has collected rant.
froB t.nante of certain of the mortgaged premi.ee eituate in the
village of Churchtown, and Plaintiff has failed to account for
it. receipt of euch rente to Defendante.
7. Denied, After reaeonable inveetigation, Defendant. are
without knowledge or information sufficient to form a belief a.
to the truth of the averments of Paragraph 7, and said avermente
are denied and proof thereof ie demanded.
8. Denied. After reaeonable investigation, Defendant. are
without knowledge or information eufficient to form a belief a.
to the truth of the averments of Paragraphs 8, and said averment.
are denied and proof thereof is demanded. By way of further
an.wer, a..uming written notice of default wae given a. everred
in Paragraph 8, such notice was defective for the reaeon.
her.inafter set forth in De[endants' New Matter.
9. After reaeonable investigation, Defendante are without
knowledge or information sufficient to form a belief a. to the
truth of the averments of Paragraph 9, and said avermente are
denied and proof thereof is demanded.
10. Denied. After reasonable investigation, Defendants are
without knowledge or information sufficient to form a belief ae
to the truth of the averments of paragraph 10, and said averment.
ere denied and proof thereof is demanded.
WHEREFORE, Defendants request Your Honorable Court to
diemi.. Plaintiff's Complaint and enter judgment in favor of
Defendant..
IIn UTTD
By way of further answer and defense, Defendante aver
the followinq New Matter:
11. plaintiff has failed to comply with the notice
require.ents of the Housinq Finance Aqency law, Act of
Dece.bar 23, 1983, P.L. 385, No. 91, as amended,
35 P.S. 51680.403C, in that Defendants were not at least
eixty (60) days contractually delinquent in their mortqaqe
payaent. when such notice was alleqedly qiven by Plaintiff
a. averred in Paraqraph 8.
WHEREFORE, Defendants request Your Honorable Court to
di..i.. Plaintiff's Complaint and enter judqment in favor of
D.fendant..
FOWLER, ADDAMS, SHUGHART , RUNDLE
!1t1 ,'~
BY:) /')' ,,;-
t John B. Fow er, III, Elq.
Supreme Court 1.0. No. 06273
. 28 South Pitt street
./ P.O. Box 208
Carlisle, PA 17013
(717) 249-8300
Attorneys for Defendants
VllIrICA'l'IO.
Nerle R. Witter and Constance O. witter, hie wife, hereby
verify that they are the Defendants above named, and that the
facts set forth in the foregoing Answer and New Natter are true
and correct to the best of their knowledge, information and
belief, and understand that false statements herein are made
subject to the penalties of 18 Pa.C.S. 54904 relating to unsworn
falsifications to authorities.
~tt ;C fr',;:;t1v
/ Merle R. Witter
cJ!: ~
t} . 0 ~-'
~e O. Wit er
Dated I Nay 25, 1994
, .
oaaTIrIoaTI or I..VIO.
I hereby c.rtify that a copy of D.f.ndant.' Answer and New
Matter were .erv.d on May 26, 1994, upon the p.r. on and in the
.anner indicated belowl
service bv fir.t cla.. mail addr....d a. follow.l
willia. A. Duncan, E.q.
Duncan .nd otto, P.c.
1 Irvin. Row
Carli.le, PA 17013
Datedl May 26, 1994
(717) 249-7780
'1
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/ 0) ~ u.~ ,.-,
/.~o n B. Fowl.r, III, Elq,
/ J.!upr... Court I.D. No. 06273
U' Fowl.r, Addams, Shughart' Rundle
28 South Pitt str.et
P.O. Box 208
Carli.le, PA 17013
(717) 249-8300
Attorn.y. for Defendant.
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la eM CoU" of C_ PI.. of
ClIIIIlImaact Coaay. PClUIIYI.'Ui&
....-------....--...----..------------..------
VI.
N'",
94-2318
.---.....-------------..--
CIVil.
19__00__
Merle Witter, et al
in Mortgage Foreclosure
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----.-..... ...-.. . .. ..... ...---......---.---....
...UI'JUL.uUIi.Y..J1U~ .~lJ!S"llJ f !!1.u.'L.t!!.!.1'. .!'J..!.tt!~.!! J.l,!L~'!H.1'! 1. -'!..!~. J ~.dAo;ll!!~E!'. .'!.~~~.!!'!l.!.:.<;~_.
this matter.
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Prolhonora'Y
~1-W A AAAe~
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William A. Duncan ~ for Plalnll".
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