HomeMy WebLinkAboutAugusta Commission
Augusta Richmond GA
DOCUMENT NAME: ..A'--t<J"--'--S-\-Q... C()'(Y'\~ \S~1 D~
DOCUMENT TYPE: A~ V- .e...e-'tY"\ en-\-
YEAR: 'Lou \
BOX NUMBER: 1 '3
FILE NUMBER: \ 51o ~ s-
NUMBER OF PAGES:
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OFFICE OF THE ADM'JNISTRATOR
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CHARLES R. OLIVER, PE CPA I
ADMINISTRATOR I ROOM 801~MuNICIPAL BUILDING
530 GREENE STREET - AUGUSTA, GA. 3091 1
WALTER S. HORNSBY, III (706) 821-2400 - FAX (706) 821-2819
DEPUTY ADMINISTRATOR
April 20, 1999
Mr. Keven Mack, Director
Housing & Neighborhood Development
One, 10th Street, Suite 430
Augusta, Georgia 30901
Dear Keven:
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The Augusta Commission, at their regular meeting held 1uesday, April 20, 1999,
authorized the Mayor to execute Subordination Agreements resulting from a change in the rate
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and/or term or an equity loan provided the equity loan and Augusta-R.ichmond County loans do
not exceed 80% of the appraised value, subject to the approval of the Administrator and Attorney.
If you have any questions, please contact me.
Yours truly,
\2-~
Charles R. Oliver, PE CPA
Administrator
cc: Mr. Lon Morrey
Mr. Jim Wall
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4-20-99: #41
AUG-30-2001 10:~5
J MILTON t"lART I 1'-1 JR
P.01/01
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J. MILTON MARTIN, JR-
ATTORNEY AT LAW
3740 WALTON WAY EXTENSION
AUGUSTA, GEORGIA 30907
P.O. Box 211649
Augusta, GA 30917-1649
Teleph9ne: 706-868-6868
Facsimtle: 706-868-6872
MEMO
To:
HOUSING & DEVELOPMENT DEPT.
ATTN: HATTIE
FAX #(706) 821-1784
From:
.PAM OWEN
Re:
FRANCES T. KELLY SUBORDINATION
Date:
AUGUST 3D, 2001
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:
Per your request I am providing the following knformation on the
above referenced client. I
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The new loan is in the amount of $35,100.00 at ~n interest rate of
7.125. The principal & interest payment ecj.ch month will be
$236.48. The loan that is being paid off wale in the original
amount of $16,35C.00 dated 4/29/77 and is wit~ Regions Mortgage
formerly serviced by Real Estate Financing. The payoff on this
loan is approximately $6,200.00. The new loanl requires that the
following debts be paid off: I
First Mortgage -Real Estate Financing $61,200.00
Car Loan - Primus Financial $ll~OOO.oo
Beneficial Loan - $5~OOO.OO
Siding Loan - Georgia Bank & Trust $7laoo.oo
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Mrs. Kelly will also have closing cost of approx~mately $3,000.00.
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If anything further is required, please advise.!
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Approx.
Approx.
Approx.
Approx.
TOTAL P.B!
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Telephope: 706-868-6868
Facsimi[e: 706-868-6872
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(J) (\e }?~.:st--.
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J. MILTON MARTIN, JR.
ATTORNEY AT LAW
3740 WALTON WAY EXTENSION
AUGUSTA, GEORGIA 30907
P.O. Box 211649
Augusta, GA 30917-1649
MEMO
To:
Housing & Development Department
ATTN: HATTIE
From:
Milton Martin
Re:
Frances T. Kelly Subordination
Date:
August 15, 2001
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Please find attached the subordination agree
needed for the subordination of two outstar
Kelly has with you.
Ms. Kelly is refinancing to consolidate her
interest rate on her first mortgage.
k.
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d~bt
and lower her
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Please call me once the document has been execut~d and we will pick
up the original for recording.
please call me at the above number if you need anything else.
1u)~@~l1W~ID
~ AUG 1 () 2001
-;
Return to:
J.' Milton Martin, Jr.
P.O. Box 211649
Augusta, GA 30917
GEORGIA, RICHMOND COUNTY.
SUBORDINATION AGREEMENT
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The undersigned is the holder and owner of itwo Security Deeds
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made by FRANCES T. KELLY (hereinafter designateq as the borrower),
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the first one dated May 24, 2001, recorded in D~ed Book/Reel 732,
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page 763, on the deed records of Richmond County, Georgia, which
was made to secure an indebtedness of $6,302.00, the second one
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oated May 24, 2001, recorded in Deed Book/Reel 1732, page 767, on
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the deed records of Richmond County, Georgia, lwhich was made to
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secure an indebtedness of $6,000.00, both on property known and
described as 2014 Olive Rd. Augusta, Ga. 30906 fUrther described as
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Lots 66 and 67, Block A, Miles Subdivision, i Richmond County,
Georgia.
The
said borrower has applied for a
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loan
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in the
sum of
$35,100.00 to be secured by a security deed conv~ying said property
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to Regions Mortgage, Inc. (hereinafter designat~d as the lender) .
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The said lender has declined to make such iloan unless said
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outstanding security deeds shall be subordinated to said new loan
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and the deed securing same.
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THEREFORE, in consideration of One Dollar (?1.00) in hand paid
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by the said borrower to the undersigned, and in consideration of
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the consummation of said loan in reliance upon this instrument, the
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undersigned hereby waives and subordinates al~ right, title or
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interest under said outstanding security deeds ~bove set forth, or
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otherwise, in or to the property therein describ~d, as against said
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loan to be so made by the said lender, so that
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t~e security deed to
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lender shall convey
be executed by the said borrower to the said
secured.
This subordination agreement
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outstanding security deeds
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the ingebtedness thereby
shall b~ binding upon the
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and shalll operate to the
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title to said property superior to said
of the undersigned and superior to
heirs and assigns of the undersigned,
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benefit of the grantee in said security deed, ~he successors and
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assigns of said grantee, and of any purchaser at any foreclosure
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sale thereunder, and shall apply with like forc~ and effect to any
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renewal thereof.
The said outstanding security
deeds now held by
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full for8e and effect,
the
undersigned shall remain otherwise in
the
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waiver and subordination herein provided Being limited in
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application to the proposed loan herein set forth, or any renewal
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thereof.
WITNESS the hand and seal of the undersigne4, this the ~~
SPPIYII bt:2
of AU~"g't, '2001.
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. #-C1i. .;Ic., b~ c>~-i I e.- I 'rifT f~ b~u ;;11
HOUSING & NEIGHBORHOOD DEVELOPMENT
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~ DEPARTM OU NG REHABILITATION
PROGRAM :
~~y:
AS ITS:
Signed, sealed and delivered
in the presence of:
day
t ary u ~oitfy P.ublic, Richmond County, Georgia
Sta te of GEMYlOiJffilffisslon El:pires Doc. 27, 2003
AUG 08 '01 02:36PM KNOX MORTGAGE
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SUMMARY APPRAISAl. OF
THE PROPERTY LOCATED AT
2014 Olive Road
Augusta, Ga 30904
as of
July 25, 2001
for
Regions Mortgage
4129 Columbia Road
Martinez,OA.
30907 .
by
SIMS APPRAISAL SERVICES
138 DAVIS ROAD, SUITE E
MARTINEZ, GA 30907
Fllo No.
P.2
AUG 08 '01 02:36PM KNOX MORTGAGE
P.3
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SIMS APPRAISAL SER~ICES
138 DAVIS ROAD, SUITE E
MARTIN1IlZ, GA 30907 I
706-650-2288 I
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July 30,2001
Regions Mortgage
4129 Columbia Road
Martinez,GA.
30907
Property .
2014 Olive Road
Augusta,Oa 30904
Frances Kelly
20011107
Borrower .
File No. -
Case No. .
Dear :
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In accordance with your request, I have 'made a Complete Appraisa.l Analysis and! prepared a Summary
Appraisal of the real property located at 2014 Olive Road, Augusta, Ga,
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The purpose of the Summary Appraisal is t~ estimate the market value of the pro~erty described in the
body of this report. I
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Enclosed, please find the Summary Appraisal which describes certain data igathered during our
in..esttgation of the property. The methods of approach and reasoning in the ~aluation of the various
physical and economic factors of the subject property are contained in this (eport.
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An inspection of the property and a study of pertinent factors, including valuationltrends and an analysis of
neighborhood data, led the appraiser to the conclusion that the market value, as of July 25.2001 is :
$54,000
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The opinion ofva.lue expressed in this report is contingent upon the Limiting Conaitions at1ached to this
report.
It has been a pleasure to assist you. If! may be of further service to you in the future, :please let me knOw.
Respectfully 5ubmitted,
SIMS APPRAISAL SERVICES
.-- P"'
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Fred Sims
GAlse License #3121/2402
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AUG 08 '01
P.4
30904
0600:104,00
't:JiA._________.._____
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2
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5
Land un chsngo
00 No! Lik1lly 0 ~1k.1y
o In prooo:,
To~
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In Il1e :lIbjDOI netghborhood (lncludlng eupport lot Ihe above concluelone relaled 10 llie trend o~ proP\lr1V ~elu", dlImandl,upply. lIInd mlllrlcol1"g liMo
on CC1mpeliJIve propDr1las for 5Qlo In 'he nlllslhborhood. do;crlpHon of Iho p~lon.o or saltS end linanoing con0ll8s1one, etc.):
Mark ten if in h~J.~AP.R!~.lr.J.P-.Plltab~AI!Ylhffig...Q.tl1er than typical Yiill~~.q..Qn..J.ta.Ul~.comDarison ri .
_TM_.iP.Pl]!i~~L~sti!!lated that there are 5+- houses listed for sale in the Ilear vicinitv. Marketing: time is three to llL-.
....m.onths on t~_norm but may_b..e~~J~ll~_~ sJi~htlL All tyoes of fiIJ~!l.cinKJill.~mm.Q.n......_._.-.._.,_.____._
ProJoct Intormotlon for PUDs (II IppUcable) .. Ie lI1e doveloporlbullder in control 01 1M Homo Owner&' Aeoocialion (HOAl? :
Apptlll6m:ste lotlll number 01 unill in \hll sUbjool prqjeol J:::11A._ .._.... _'._." _ Appraxlmale 10101 numbor of unlls ror l!Qju Ir the ~bJeot ~jeot NI A
DeB lbe oommon ele Itn16 and r8CrelllonlSllaoil~leo: I
SO x. 330 A.PJ2!Q&_. __ TO~"9r2lP~V
Stlllltircl. 16.500saft.+- _______q~.com~~ Q'%~
apedflc zoning c:laeaIRca'!?n :lIld deacf~ion RClsidential_..._.._,.." ... __'_"___' Sh,po
zening compllanoo 00 Legal [_J Legal nonconforming (GnmdlathlSlOd u~a) ~~NO lor>lng . Ol'llinage
Hlghlcl & b"ll US" IOS Impro'lOd: [Xl Prooonl U!l!..~..!!..~ (erplalnL. \/llt)"
UIIUUes Public Olhor Off-GIIll ImproVV/TIOnlll Typg Public LandeC8plng A vera~e
00 GUeet Asphalt ori~~SUrfilOO . Dirt/Gravel
IXI CurblgyIWr r...n /"rM.. App,srenl eaeementB Utility
lXI Sidewalk C=-:t~-_._--- FE~A Splloial Flood HLWl---;;j Ara-; LJ Yes OO~;
{X' --.--.00.-.---- 8Ueet IInnls ET"
D~._~__.___ All"" ~ gJN~n --.------ FG~Zone -~- r.1apOaul .02/04/87
~. "J v F!MA Mop No. 1301580060 BI e B 10
CommQn~ (IIPpllIfDnI edverlle puemonl8, "ncrOlllchmenle. op'lIOial usoasrnQnlc. slidO IIIrNS. IlIlglIIl or IDIllSl non~onlorming %onlng use. ole.): No a d v e r s e . ._
easements or encroachments~I~lU)~.d..1h..ll!,:m.i.ght have an adverse affect Qn the estimated v.!l~. A.ID!rveYQU.!l9..J.lld
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GENflRAL CESCRIPTION
No. of Unlto ]
No. of 810("$ L____
Type (OeI./Au.\ petached
Oe:19I1 (S(yte) ~!L._
EXiOlinQlPropoll4d Existing__..
AQe(Vra.) 53___.___
EXTERIOR DESCRIPTION
Foundalion Con. Block
exterior Walle Yinvl
Roo' SUrfaoe $bingl~~.
Qult6ra & O\I,Inspl", ~_.._._._,~__
Window Typo YinvllnL
Storm/SoreOM Almn..:..- __....
Mllnu Clured HOl/ee
.!:~~r...., _ ".L~in.!!... _-E.~.!!!i... Kilchen
I'OUNOATION BASEMeNT
&11llb No "', Sq, 1'\. N ne
Crew! SplOI y ~s " "!ni:hocl NI A _
Baeemenl None Ceiling N/A
Sump Pump ~Qn~ Walle~_
Dampnoss None noted _ 1'109' N/A
S.nlemerll ~_ ou~id.EnI1y N/A
'nreal3Gon
Roof
Ceiling
W3liS
Ploor
INSUI.ATION
-~
==00
-~
Unlm_n == 0
None
Den
_ ~!!)YI.~~ _~!!~~:..._ .!!!!!~~. _ .!i B~__ ~~~~_ _.~~!!-.
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---- -+- ---
2 1
,-~asCL!'!:__
e
825
Room,' 2 Bsth B :
HEATING KITCHeN flQUIP. AlilC AMEN:ITII~S
Type EJai.M_ Relrigor:sto, ~w None FirOp~CfJ{S) D
1'11..1 Gas Ronge/ovwm Sian P:sllo i
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. Cond~lon Opettnl- D1apc~1l1 Orl1p Stulr Deck I
COOUNO O:ahwuhor Soulllm Porch! ,Stoop
CllI1lrel ~_._ FanlHood 00 Floor FlIlncel Chain
other ,NQ..,....~.~ Mlcl'Owave D Heated Pool I
Condltlon We 0 fV9l' P III lid !
lOQlunoc (;1'_1 pnerllY eN/clalll hems. e\e.): Thti@~Q.~ has Ii stooP. fence and insulated Windows.
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· Oondilfon or Ihe ImptllV4mpn18. deP~&ei'lIon (Ph~i""'.. ~unotIQnQI. Qnd oldornel), I'8Jllllre ne;;;;'- qU~11ly -:,- COnBl1\l~on. remodelino/Qddlllona. ele.: IM.~.llD..r;l
socond house a~'Pe~~ c.ondlhon overall as co,~pared to the .M!&hhnrhood and are~Ih~.s.uhi.e..~.hM.h.~m12.W.lY..~__
r~.A~..~.ng.!LY.~a..nlce. !019 .mlght. be the b~11...c.smQ.l11Wl.e_Q...hgy~.Q.n.1h~...!illet. The subiect h~!...!LlJJtw roof...1!.ew vin I
..A!2m&...new Hy'~.lM!.....m1WQ.r..M.UU, carpet, vinyl and etc. ,
Advar:le environmental condalcna (auch 80. but not UmllDd 10. he%.\lrdoua wasles, lox1c eubetsncl!'e. /lie.) gre&~nl In 'he i;~-;;;;-16~;-;;;;-;;--;-;;;-'-;;-
immedlllle ~lclnl\V of tile OUbjcc1 proportV.: ~o environrrienta.l condlt!ons were noteli that might hav.lLillLJl,dverse aff~1..9.n_~
Ar.
CIU1>eliGood
~IDYS;WL
W oodlGood
SaIl1 Floor .Y.1m1LGood ___
Balh W0fn'OOI .C~ramic/Good
Ooore Hollow CorelGood
_0
_~ 0
o
!Xl
[X)
.0
CAR STOAAGE:
Nono 00
Gar:sgD
Attached
OGtaohod
Bullt.ln
"oloar&
,~ Olt.
PAOS , 01' 2
SIMS APPRAISAL SERVICES
Far\ntG MAo f:orm ,~ G~QG
AUG 08 ' 01 02: 38PM KNOX' MORTGAG~n81ysb - Summary Appraisal Report P. 5
Valuation 8 \Ion . UNIFC i RESI ENTIAL APPRAISAL REPORT P'lle IIfo. 1107
ESTIMATED Sll~ VALU& . . " . . . , , . . , , , . ' . . . . . :77':", , , , , , , . .. , ~ s _~..Q.9.0 Commt'l1l8 on '~. Approacll. (,UCh IU, ;oUlQG of cost emlmale.
ESTIMATl!.D RePRODUCTION 008T.NEw.oF IMPROVEMENTS: ,ne value, equere root calcul~:on and for HUD. VA llfId FmHA. Ihe
825 Sq, F1@l$ 4S ..$ 37.125 ottfmllwd remaining I economic: life, ot~e p~: S .u~re
Sq,I'ICS ..__" footage values are approxlmahonu . BUl1dm c
S F T Wd -----M-.'5000 wS<{e obtained from the Marshall & Swi.ft.h.u.U.! . uide.
toop. eno_e.d!~" -_,~._,__t.=._...... . I:~ . S
G~"(""2l'P01t _ Sq. Fl Ci S .___.__. Estimated rema~nlng ecanQQllS; ~~Th... ears.
Tolqf eallmallld Coal New . . . . . , , , . . , , , , , ' . ' , , . . .. "I --~.41Jll __."_
S,O Phyolcal FUlIl:lionel External
D9prvclallon _.kl~_L___J___
Oap/'ltoilllad Value or ImprovlJmenta .,.,.",,,.,.,..,.'...'
"A&-Ie' V31u8 of Site Improyvmenlll .. . . , , , , . . . , , . . . , . , , , . . ,
~$
-2.700
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-t.2 00
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tel A I I
~.i $ ~90
Gross 10.6%
-j,b6% I 55 500. Net -18.1 % $ S4 000 Net -040, 48.J00
Commolll:. Oil 8al" Com~rt80n. (Inoludlng Ihe aub)el:t propor\)!; ~mpa~bllllY 10 lhl nglghbortlood. Gte,): The aonraiser had Lyerv difficult time
...finm!l8 comparable..iiki,_J'he subiect iJJtcrhsos the nicest h.QlDe i~ the immediate {\I~jt has been totally ~ted and is
m.p~)'able tQ...!....MYi...h.Q..m~. Sale one is_Ulewer home and s..il~ three is an older hil.m.unuch like thll gubi~J)l t has been
. renovated. Sak..UYJ?i~loc~th~ same market are,il..!ll,l!.u!"pot auite the aQ.D.Qition as the subject. It.l{A~not oossible to ~~__
- within FNMA..g~i.c;k1.mes dutlQJh.eJUnited sales i.!U~JlI,!:a.
SUBJECT COM~~RABLE NO.1
o prior sales 0 prior sales in the past
801.1_, lor priorsaloll in the past twelve months
wilhin )'8lr 01 lIpp""~1 1 on _ __.__._
Anoll/llla or an~ tU".nl ~'..m.,,1 01 Rio. oplion, Or listin9 of Ihe eubJot1 property llncf cOlllyele 01 any prior &a101 01 ~jQal o~d eomparebl8ll wlthin ono yoe' 01 the daN of spproi&ol:
The .!IulUeQ1Js not currentlv listed .Q.[. under contract wAle.
COMPAIlABLI! NO.'~
o prior sales in the past
twelve months
COMPARABLE NO, 3
o prior sales in the past
welve months
INDICATED VALue BY SALES COMPARISON APPROACH . . . . . . . . . . . . . , . . . . , . . . , , , , , . . . . . . , . . . , . . . . . . . . . . . . . . , , . . . . . . . . . . . . . . . . . . . . . . . . . . . S
INOJCATSD VA!iJ1l lilY 'NCOME APPROACH Ir (cable EellmlSlecl M kOl Ronl $ IMo. x Qro:lsiRanl MUlIf lier .. " '
ThIll apprl/eal;8 ",..do ""blool \'0 the rep8ire. .11o,.lIon:;. 1"'pogUon; or eondni0l18 li~\'od bolow aubJec:1 10 c:omplollon per plall1l and specifiesr.one,
CondllloneorAppraisllll: Thisis..a..iYIDmary aDprai~ID., This 8DPraisal reR.Q~intended for use 'iQA,illQLt.Rsge finance tr8ns~an onl .
This report is n9.linten~for any other use.. __ .___.
Flnat Retoncl~alion: .IM_Q,gP.L~j~~~ost em~_Q.Q.th~ market approach as..it best reoresents the qmQrul_of buy.ors anQ
· ."~Uer8 i~ the m~~!place..~JUJ?Droach was u5.~.4 to SUDDor! the maW1..<lDoroach, See the il'\.c.~. eets far r n
t1 n
-- _. --.-.. .........
The PUfPO" 01 Ihl~ 8ppralaal la 10 estimoatG Iho mlll'ket vlluo 01 lhg rllUl properly 11I81 i8 Ute IUbjool of thl8 repurt. baaed or, tho ;bovo QOndl~ona end the C8I'IjIIClIlbn. gonllngonl
and Iirnillng COndilj""$. and markel value cloliniliOl1 lhal are alSled in lha ollaahl1d Freddie ~ac: Form .30IFa""t.o MOB PDnJ' TOl)dB (R""'lOd 06/93 _1.
I (WI!I UTIMATIi THE MARKET VALUI!, AS DIil'INEO. OF THI! REAL PROPERTY THAT IS THE! SUBJECT Of TillS i RepORT, AS OF ~....2001
. (WHICH III THI! OATE ~_IN8PIiCTION jND THI! EFfEiCTIVS OIlTI! 01' THIS REPORT) TO !Iii! S i 54.00g,
APPI'WIER: - C J SUPI!I'l.VlSORV APPRAI81iR (ONLY II' ~I!QUIPlED):
/~ ,....".# . , I
811101itllre ..A~_ -, --",-.. !l!!!!!lIr8 _L
.!:!!!!l!.....l'Jed Sims - Nome '
Oalo Report 6.!!!nQd_ JI!1Y.Zi'2001 _ .. pate R..por1 Slllned
state CelliOcalion · ~ _ Slow OertlrJoo~on #I
Or 6talo UCHIn~ Stale Or Slele Uc:enee"
Frtdd;. Mu "arm 10 6.~ 12 CH. 1>1\011201' 2
00 Old 0 Old Not
/napeat Properly
$loIe
Slelo
SINJS APPRAISAL SERVICES
rlnnir Milo I'ann 1004 1M>:!
AUG 08 '01
02:39PM KNOX MORTGAGE
P.6
FIt N
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o ," '( '. ~ ,'~ . I , P~() rciGRAPtJ ADDENDUM ) - "'._' ~ ~~- ~ -' ,
Borrower or ~er Frances Kelly
v~"'POI1YAddroo8 2.Qj4 Oli~.R2.a.d...._
..2!!L..Augusta
Uind.r or ClIe,,1 .Regions MortBfllZe
Stalo
Ga
----r-
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-~-"'r'~"-
c~~ Richmo_~_
SIMS APPRAISAL 5lERVTCES
Zip Code
30904
FRONT VIEW OF
SUBJECT PROPERTY
REAR VIEW OF
SUBJECT PROPERTY
STREET SCENE OF
SUBJECT PROPERTY
AUG 08 '01 02:41PM KNOX MORTGAGE
P.?
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" -, ~ ~ : -' - ' I" P40TOGR~PH oADDENDUM .' ~~ -, -,
BorrowerorOMlar France~_.
Property Addreaa _.:1V 4 Olivo Road
.,.S'lV AU81!9ta ____
\.end.r or Cller\l Regions MQItgage
CaUl!ly
Richmond
__~-ya
;. =-
. : '.-." .
i~;~.::.:;~':;~;:<;: :;
'.. ,',.
. . " .... ~ ;.: ~.:' . ~', :t.'..,. . ;... ,.
;', ~'~.' :;.~:).~~~"~~' ;*,::: ':l~*'~:~~i\~}:;'~::t...~
SIMS APPRAISAL SERVICES
Zip Code
30904
COMPARABLE #1
1021 Duga9 Street
Augusta
Price
Price/SF .
Date
Age
Room Count
Living Area
Ya.llle Indltalh)Q
$63,500
66.49
04/01
A2IE 1
5-2-1
955+-
$55,500
COMPARABLE #2
2221 Tubman Home Road
Augusta
Price
Price/SF
Date
Age
Room COLlnt
Living Area
Vlllu~ !I\<!il'nli".\
$65,900
48.81
1 lIDO
AstlE 7
6-3- U
1)(0+
$5'1. ~)(J(I
COMPARABLE #3
2022 Cook Road
Augusta
Price
PricelSF
Date
Age
Room Count
Living Area
V.llle: IndJ.:lllioll
$49,000
49.00
06/0 1
A25/E5
5-2-1
1,000+-
$48,800
AUG 08 '01 02:44PM KNOX MORTGAGE
P.8
---, ..............i
DEFINITION OF MARKET V ALUE: T~q) mOllt probable price whloh 8 proparty sh,ould bring In 9 compelftlve 8nd
open .mlrl<q)t und'llr III condltJans requlslle 10 . fair 811le, tile buyer Bnd seller, each ~ctlF1lil prudently, knowledgeably
and anum'ing lhl priae Ie not Bffeoted by unauq) stlmuluiI. Implicit in this definition lei tha coneummaUon of B aala
as of B epeclfled dale end the passing of tllle from aeller \0 buyer under cOndidon' IWrHtrlllbY: (1) Duyor Ind "".r-
I
ere !lIplCSIIV motlvlllecl; (2) both parties Bre w811 (nfarmld or wq)1( advised. Bnd elllch Bering In What ha conaldera hl9
own bnt inllllrGIt: (3) a reasonsbls time I, allowed for exposure In Iha open market; (4) payment Is made In liIrrms
;
of cash In U.S. dall'rs or in If/rms 01 flnanc/el Illrr8nglllmonll oomp.rsbl9 tl'l9reto: and; (5) tl'l9 price reproaenta the
normsl conaldemtlon lor tfle property eold .unaffeCted by speoial or onlllltivs finanoing lor Balee conC688ions' granted
by an)lone saeoolalad with the Bele. , I
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i
oAdjUllments to the compareble. must be made for epecJal or creative IInencJng or salU; ooncuiions, No Ildju&tmenl$
are necessary ror thoslIl oos13 whioh are normlllly paid by ..lIl11r& as a result of tradition or law In a market erea;
these co6It/J sre rliladily idlllntif/abJe since the !lellar pays th~ oos18 in virtUlJlly !.III s!.Ilea tranaacllona. Special or
orolltlv. finlnolng IIdjuetmenl9 can be mad. to tile comparable property by comparls~nlll to Ilnanolng terme offered
by .a third party 1"'~tJtutlonll lendlllr lMt Ie not already Involved In the property or lraneactlon. Any adjustment
I ;
should not bl ca/oulsted on EI mechanlclil' dollar for dollar oosl of the flnanclng 9r concemalons but the doll.r'
Imount of ony adjustment should IIpproxlmate the mBrkel'e reaction to the financing :or oonoessions blU/ed on the
oppral,er; judgment.
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I
STATEMENT OF UMITING CONDITIONS AND APPRAISEU'S ~ERTIFICATION
CONTINGENT AND LIMITING CONDITIONS:
I
Tl'le appraiser's certlflclItlon thll~ 111'1'.11(1 in th0 appralllal report
18 aubJect to thlt following oonditiona:
3. The appral..r hiS examined the available flood
Agency (or othlllr datlll souroe.) and hOB noled In
Idlllntifild Sp9Clal Flood Hazard Area. eeoauslll the
express or Implied, regarding this dllllarmlnoUon.
I
I
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1. The apprela.r will not be rosponslble 10r matt.,.. 01 a IClg'l n.turlll that aflect eltfl~r the property being appraised
or th& title to it. The appraiser assumQ InBI th& title Ie good and marketable end, [the/rilllorill, WIll nol rendar any
oplnlona ab~ul the t1t10. The propillrty ie appralaed on the basis of It billing under rGlsponslblill ownamhl~.
I
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2, The appralBer has provided a skeloh in the I!Ipprllleal report to ahow approlClmatedlmillnsiontl of the ImprCl\fementll
and the sK0toh is Included only ta 8NIst tn. reader of the I'Vlport in vleuallzlng the filrap.rty and Undl!lmtendlng the
appraiser's d"lillrminatlon of lIS size, I
I
ma~ thlllt are provided by the F~eral Emergltno)l Managament
;
the apprlllitUll report Whother the aubJect BJte I. looatilld in an
I
appraiser la not a lIurveyor, he I:)r sl'le makee no guarantees,
;
'I. The appNillallr will not givG tGetimon)l or IlplPear In coUI1 bllloalll!le he or ehe made ~n appraisal or tho property in
qUe1ilion. unlesa apeclflc arrang$ments to do ao l'Iave been made beforehand.
5. Tha IIppr.IMr hac e8timatec1 tile value of the land in thill COBt
improvements at thoir oontributory value. Thll uparat. valuatioM
used in conjunction with Dny othlllr apprai8111 and are InValid If they are so uud.
I
opproecl1 at Its ~IS!hest IInd belt USG
of the IlInd IIn, Improvemillnt. must
and the
not b.
I
e. Th. .ppral..r has nC1lad In thil appr.I..1 report any adveree condltlonl~ (such 8S, nfleded r.pa'f', dlPprOciation. the
pnlllence 01 hllZardoua wIlSlIIII. to)(,o 8U beta nce8, 8tC.) obs.rvad during the in!lp~ction o~ the subject property or th"t
he or sha became ewere of durlng the normal reeearch Invoived In performing thl appralsel. Unless olherwlae slated
In the sppr:alsal rapol1. tha lIpprQlser haa no knowlGdg19 of IIny hidden or unapparent: conditions of the property or
advOI1lG environmental oondltlon. (Inoludlng the pre8lence of haZlllrcfoue waetee, toxic i aubatances, etc.) that would
mlk. thll 'propert~ more or Ie.. vllu;abl., and hae olJ8umed that ther. IIr. no !luoh oondltlons and makes no
I
guaranUloll or warrant/ee, e)(press or Implisd, regarding tl'le condition 01 tha property~ The approleer will not be
responsible 'or. Iny suoh oonditlona that do eldsl or for any engineering or telltlng that : might b. rlPCluirllld to discover
whether euch condlllons OlCi8t. Beoauee the appralller III not an explllrt in tl'le field pf environmental hazards, the
apprals., rClpon mU81 not bB ooneJdered alll an envlronmillntal IItl198Sment of the propert~.
7. Th. IIpprllaar obtained the InformatIon.' .stlmltes. llnd oplnlona thet were wcpreN.d In tho appreillBI raport from
I
sourollls that he or Bhe considers to boll reliable and bellevss them to be' lrus snd c9rrect. The appralsor doos not
Ilssume rdl5ponsfblllty for the accuracy of !lueh ilillms thllt werQ furnlahed by other p:uties.
8. The appn!lltler will not di&olollll Ihe contents of the .ppralnl report excepl se ; prOVided for In thl Unilorm
Standarda of PrOfeSsional Aelprlllsal Prllotlo.. I
I
9. The appralssr has based his or her uppralnl report and IIalulltlon conclualon lor an appraisal that Is SUbject to
aBtle'aclory compl~tlon, repairs, or altaratlona on the anumption lhat completion or the Improvements will be
performed In II workmanlike mannor.
10. Thll appralsar mUllt proVide his or her prior written oonaent before the lender/clI~nt ,peoified in the appraiSal
- - I
report clln dIstribute the apllrai&a' report (Inoludlng conoluslons - aboul tt1e property value. the appralsor's idontity
and professlonlll dlllsignlltions, and references to any profHsionl1 epprl'llellll organlzatlona! or the firm with whioh tha
Ilppraiser is IIll80ciated) to anyone oth$r thIn the borrower; the mort"~iIle or its 'Uoo08.~n'l!l and aoolgna; the mortglllilfil
Ineurer; oon8ultanl$: profeecionllll IlIppraleal organ/UlIonsj any 8Ulte or lederelly' approve~ IInanclal inctltutlon: or ElM'y
dlllpartment. egency. or Instrumentality 01 tho United Staleo or 8ny atale or. the OI&1(,ot of Columbia; except that
tha lender/client may dhstribulll the proparty deecrlptlon section of the report only tol data collection or reportIng
$'l'\Ii09(a) without having 10 obl81n thl appralear's prior written consent. TI'IIIl .p~raiBer's written con.ent and
approval ,"UIlII also blt obt81ined bafore the appraisal oan be oonveyed by anyone to the publlo tllrough advlllrtllllng,
public re/lItlons. news. sllles, or otl'ler mfldla. !
Freddie Mac Form "39 e-93
Page 1 of 2
Fannia Maa Form 1004B a.93
RUG 08 '01 02:44PM KNOX MORTGRGE
P.9
"'-'
.ile No. 200 III 07
.......
" AlPRAISER'S CEln'lFICATJ.ON:
I
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1. I h,\I. rlllsaarched tns subject merket area end have selected a mlnlmUln of three r~oenl salal of propertle. most
a/mllar and prolClmllte to the f:Ubjillot property for oonllidlllratlon In tne Illle& clomparlaon anelysla ond hava made a
dollllr IldJustm.nt wt'Ion IIpproprl.lllO to r"Ileot tile market reootlon to thoae Item& 101, significant variation. If l!l
I
elgnltlcent lIam In III oomparabls property I; eUpl!lrior to, or more ravorable tnan. tile ~ubJect property. I have made
. negative adJustmenl 10 reduoe tlla 8dju$ted salea prlcd! 0' the oompareble lind, If a ei~nlflcanlltem In 8 comparable
property Is Interior to. or leBs favorable then tha 8ubjact property, I halle mllda " POSitIVCl adjuitment to Inerealle the
. i
IlIdJUllled valea prioe of tho oompar.blll, :
The Apprelser certltles and agreea that:
2. I. have taken Into conGldttratlon m. lectors tn.l have an Impsot on vslue In my dfvelopment of the estimatc of
msrket value In the appralaal report. I halle not knowingly withheld any lillnlficlnt i!"formatlon from the ap~ls81
report and I belie".,. to tile best of my knOWledge. that 4111 statement!! Ilnd Informetlon In the appraisel Illlport IlIre
true and correct. i
,. I stated In tn. appraisal reporl only my own ptf$Onal, unbiased. Iilnd profefJ~lonBI
oonolusions, which ere subject only to the contingent ond limiting condltlons specWed In this form.
anol)l8lo,
oplnlono,
IJnd
i
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4. I hllV8 no preaent or prospective Interest In the property thet Is the aubJect to thla report. and I hBVG no prell."l
or proepectlvl!l pereonlll inte~st or biaG with respecl 10 tne partioipanls In the tren.a;ctlon. J did not bllse, eIther
partially or oompletely. my anlllysls end/or the ostlmete of market value In the appral~81 report on the race, oolor,
religion, aex, handicap, familial IiltstUS. or national ortgln of either the prospective owne"! or oooupants of the 9ubjeot:
property or 01 the present owners or occupants of the properties In tne vicinity of ths eubjeot property. I
I
5, I have no preoent or contemplated fuluro Intereot In tho subject property, and i neithllr my ourr.nt or future
employmlllnl nor my oompensatlon for performing tnl. IPpra1l1l11 Is oontingent on the appraleed value of the property.
;
8. I Wlltl not roquir.d to report II predetermlnOd value or dlreoUon In value that favo[8 the cause of the client or
any related parw, the amount of the value eellmate, the attainment of I!l epecmc reSUlt, or the 'ooourrenoo of a
I
aubsequent event /n order to reoeillG my oomp~nl5ation and/or employment for perforn:.1ng the appraisal. I did not
bu. th. appral..1 r.port on III requo.tod minimum valuation. 8 speclllc VBluatlon. or th~ need to approve a specific
mortgage lOBO.
7. I performed this appralaal Ih conformity with tha Uniform Standards of Prof.Mlon.1 ApprlllislIl PrlDollC$ that wcre
adopted and promUlgated by the Appreieal Standerds BOllrd of The Appr.l~cil Foundet/oli' end that were In plllce ClUJ
of the offeotlve date 0' this apprel1l21, with the exoeptlon ot the departure proviSion of i those Standards, whIch dOGS
not apply. I l!IoknoW1adgG In.t 8In .elimaCe of a reasonlllblll time for oxposure in the ~pan market Is a oondlUon In
thl definition of marl<at valulI InCl tho IIstimlta I dllvelopod III consistent with the !marketlng time noted In the
nelgnbornood 1l.~Jon of mllil report, unlelJ$ I have othllrwlee liItmted In the reconciliation oactJon.
e. I have pereonally in15pl9ctad the Interior Bnd exterior erells of the 8ubjaot property .n~ thfl c)(farior of III properties
Il&ted as oompllabl.a In tile IIppralSl1 report. I rurth" oertlfy that I hIve noted an~ apparent or known adveree
oondlllons in tna SUbject improIlClm.nts. on thc sUbJact Site, or on any site within ~a Immediate vlclnltv of the
subject property of whIch I am aware and have made adjuslments for theae adveree i conditione In my analysle of
. I
the proparty value 10 the extent that J hed market evidence to support them. I halle i 81110 oomm.ntlld about Ihe
IIffcC( of Ih. atlven14 oondltlons on tn. marketability of Ihe subjllct propony.
9. I personally prepared BII ooncluslons IInd opinIons about the real eatate that were Ille~ forth In the appre/oBlI report.
It I relied llneignlfloant prOf9111;lonal e811itltanca from eny indllltdulIl or indiViduals: in the performanoe 01 tna
apprai.al or the preparation of the appralsel report, I have named ~uch Indlvldulll(B) an~ d/acJosed the apeelflc tooku
performed by them in the reoonoillatlon SlIlotion of thill appraieal report. I oenlfy !hat: any Individual so named /.
qualified to perrorm Ine task.. I h8V8 not IUlf'Iorlzed anyone to make Il change to Ilny' Item In the report; therefore,
II an unauthorized change Is made to the appraise I report, I will take no reaponelblllty for it.
SUPERVISORY APPRAISER'S CERTIFICATION: It II aupervleory appraiser signed ths appraise I report, he or Bhe
certifIes and asreee that I directly supervlae the appralaer who prepered the appraisal report. hIIl/e I'9Vrswed Ihe. appraisal
report. agree with the ototementa and ooncluelons 01 the oppr&iGer. agrclP to blP bound. by Ihe .ppral&4lr'. OGr111lcatlons
numbered 'I through 7 aboy.. and am tlklng full rcspon,Il)lIilY for Ihe appra'"1 Ill'ld tile appra/.al report.
ADDRESS OF PROPERTY APPRAISE]):
2014 Olive ROM..,Augusta. Ga 30904
SUPERVISORY APP~ISER
APPRAISER: -/ .
Signature: ~J ~L______._.__
NQmll: ]:Ired Sims
Dare Signed; July 25.2001
State CertlfiOQUon 'It.
or'SlGla Wo0lls~ III: 3121/2402
State: ~__..____._
Explrllllon 011111 of cenll1cll\1Ori or LIcense;
(only If required):
Sign.turCl: ____
Namo:
Date Signed: ___.....+-~
St.te Cltrllncallon it.
or state license 1#:
StatD:
.94/;l1/02 __...--'-- ElCp1raUon Date Dr CertlnolltlOn ~r L1oense: ~~___
00 Old 0 Did Not Inspeot Property .
. . I
I
Freddie Mao Form 439 6.lil3
Page 2 or 2
Fannie Mae Porm 1004B 11-ll3
SIMS APPRAISAL SERVICES
RUG 08 '01 02:45PM KNOX MORTGRGE
P.10
,n . ,
. t ~": ~ . ' , I: j f SKE t~H ADDENDUM' . {I ::. ',", ~ -, ,
'f, T "" ~ ~ I I ~
I'll N
J_
!.~Qa
.__ZIE.Co~04
33.0'
Dining ! :S
~
OJ
Bedrm
Area ~
25.0'
Living
Bedrm
Room
Sketch by Apex IV Windows fM
" ""'*""";r"'~'\""'-'"'''' ..... ...~,.... ...........'U,,5.. ,....'.~;"..,....\."...
'. :..'i\;....!'i'. "hRcA"'CAlQQL':AIII.tiNS '~UMrqqll y....(.. (f,n..,,,,.,,>. ~
. d~d;':: '. :L:~ r'~~~riPii~;':'/::'~ ":~'!:~:. .:,.\ i~Y:':f: :.:;--);h'('$ ~i!,:::,;?:::/t~~i~)\:' ';~/J ~
aLAI rl.&'8t 5'loor 1I:l'. 00 B25. 00 '
l:
"!F!...(.:.~.!..'tI'iNci'ltA~~ i"r~'R:gji;Kb6WiiJ1"'''''' 1\.:"
:':;;::(~1i:;:i~\:;i:t)Br~~~'~'~Wn"~:::;'i~/,:\:;;:~i;' :( i/,\ ;::~~~~~~;;,::!.>'( ~
First Flo~r ' ~
".0. ".0 "'.00 I
~
~
j
!~
j
8
n
1
1
1'1
~
.. ~
1
,
~~
Ii
~
1 Area Total (r9unded) . 825 ~
:..~.t.; ,',. .1I.fj;..~'f' .:~\
','
~
I
TOTAL LIVABLE
I~
t.
~
~
~
~
~2: ..~
I;~~.~-:t~~.".
SIMS APPRAISAL SERVICES'
hi C:C:~::>~"':AUG0e '01 02:46~PNOXt19R:rGAG ~(. . .~ '~~rcrH ,:!_~~o}##}\,\'~~'f.i't"r ~..? .r ~'
~ rt 4~. ~IUbJ~~ii,". - ,"li\v' - ':~. I ~.. , t.f W ~. . ~F\' . ;;is<f:!Z':!<'T.Vi lJ ,~ S "('f,,'
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