Title Report dated 2-16-18.pdfFirst American
First American Title Insurance Company
2707 Colby Avenue, Suite 601 �+
Everett, WA 98201
March 02, 2018
Jackie Jackie
Orca Land Surveying
3605 Colby Avenue
Everett, WA 98201
Phone:(425)259-3400
Fax:
Title Officer:
Jami Higbee
Phone:
(425)258-6450
Fax No.:
E-Mail:
JHigbee@flrstam.com
Order Number:
2860604
Escrow Number: 2860604
Buyer: Wichers
Owner:
Property: 19325 80th Avenue W
Edmonds, Washington 98026
Attached please find the following item(s):
Guarantee
MAR 2 2 2018
DEVELOPMENT SERVICE
COUNTER
Thank You for your confidence and support. We at First American Title Insurance Company maintain the
fundamental principle:
Customer First.
Form 5003353 (7-1-14) Page 1 of 8 Guarantee Number: 2860604 CLTA #14 Subdivision Guarantee (4-10-75)
Washington
First American
Guarantee
Subdivision Guarantee
ISSUED BY
First American Title Insurance Company
GUARANTEE NUMBER
5003353-2860604
SUBJECT TO THE EXCLUSIONS FROM COVERAGE, THE LIMITS OF LIABILITY AND THE CONDITIONS AND STIPULATIONS OF THIS
GUARANTEE,
FIRST AMERICAN TITLE INSURANCE COMPANY
a Nebraska corporation, herein called the Company
GUARANTEES
Orca Land Surveying
the Assured named in Schedule A against actual monetary loss or damage not exceeding the liability stated in Schedule
A, which the Assured shall sustain by reason of any incorrectness In the assurances set forth in Schedule A.
First American Title Insurance Company
Uenno I G111110t,
President
,�r�nr�•; ti Iu:Y•�n�.��n
secretary
This jacket was created electronically and constitutes an original document
Form 5003353 Q-1-14) IPage 2 of 8 (Guarantee Number: 2860604 CLTA #14 Subdivision Guarantee (4-10-75),
Washington
SCHEDULE OF EXCLUSIONS FROM COVERAGE OF THIS GUARANTEE
1. Except to the extent that specific assurances are provided in
(a) Defects, liens, encumbrances, adverse claims or other matters
Schedule A of this Guarantee, the Company assumes no
affecting the title to any property beyond the lines of the land
liability for loss or damage by reason of the following:
expressly described in the description set forth in Schedule (A),
(a) Defects, liens, encumbrances, adverse claims or other
(C) or in Part 2 of this Guarantee, or title to streets, roads,
matters against the title, whether or not shown by the
avenues, lanes, ways or waterways to which such land abuts,
public records.
or the right to maintain therein vaults, tunnels, ramps or any
(b) (1) Taxes or assessments of any taxing authority that
structure or improvements; or any rights or easements therein,
levies taxes or assessments on real property; or, (2)
unless such property, rights or easements are expressly and
Proceedings by a public agency which may result in taxes
specifically set forth in said description.
or assessments, or notices of such proceedings, whether
(b) Defects, liens, encumbrances, adverse claims or other matters,
or not the matters excluded under (1) or (2) are shown
whether or not shown by the public records; (1) which are
by the records of the taxing authority or by the public
created, suffered, assumed or agreed to by one or more of the
records.
Assureds; (2) which result in no loss to the Assured; or (3)
(c) (1) Unpatented mining claims; (2) reservations or
which do not result in the invalidity or potential invalidity of
exceptions in patents or in Acts authorizing the issuance
any judicial or non -judicial proceeding which is within the
thereof; (3) water rights, claims or title to water,
scope and purpose of the assurances provided.
whether or not the matters excluded under (1), (2) or
(c) The identity of any party shown or referred to in Schedule A.
(3) are shown by the public records.
(d) The validity, legal effect or priority of any matter shown or
2. Notwithstanding any specific assurances which are provided
referred to in this Guarantee.
in Schedule A of this Guarantee, the Company assumes no
liability for loss or damage by reason of the following:
GUARANTEE CONDITIONS AND STIPULATIONS
1. Definition of Terms.
4. Company's Option to Defend or Prosecute Actions; Duty of
The following terms when used in the Guarantee mean:
Assured Claimant to Cooperate.
(a) the "Assured": the party or parties named as the
Even though the Company has no duty to defend or prosecute as
Assured in this Guarantee, or on a supplemental writing
set forth in Paragraph 3 above:
executed by the Company.
(a) The Company shall have the right, at its sole option and cost,
(b) "land": the land described or referred to in Schedule
to institute and prosecute any action or proceeding, interpose
(A)(C) or in Part 2, and improvements affixed thereto
a defense, as limited in (b), or to do any other act which in its
which by law constitute real property. The term "land"
opinion may be necessary or desirable to establish the title to
does not include any property beyond the lines of the
the estate or interest as stated herein, or to establish the lien
area described or referred to in Schedule (A)(C) or in
rights of the Assured, or to prevent or reduce loss or damage
Part 2, nor any right, title, interest, estate or easement in
to the Assured. The Company may take any appropriate action
abutting streets, roads, avenues, alleys, lanes, ways or
under the terms of this Guarantee, whether or not it shall be
waterways.
liable hereunder, and shall not thereby concede liability or
(c) "mortgage": mortgage, deed of trust, trust deed, or
waive any provision of this Guarantee. If the Company shall
other security instrument.
exercise its rights under this paragraph, it shall do so diligently.
(d) "public records": records established under state
(b) If the Company elects to exercise its options as stated in
statutes at Date of Guarantee for the purpose of
Paragraph 4(a) the Company shall have the right to select
imparting constructive notice of matters relating to real
counsel of its choice (subject to the right of such Assured to
property to purchasers for value and without knowledge.
object for reasonable cause) to represent the Assured and shall
(e) "date": the effective date.
not be liable for and will not pay the fees of any other counsel,
2. Notice of Claim to be Given by Assured Claimant.
nor will the Company pay any fees, costs or expenses incurred
An Assured shall notify the Company promptly in writing in
by an Assured in the defense of those causes of action which
case knowledge shall come to an Assured hereunder of any
allege matters not covered by this Guarantee.
claim of titre or interest which is adverse to the title to the
(c) Whenever the Company shall have brought an action or
estate or interest, as stated herein, and which might cause
interposed a defense as permitted by the provisions of this
loss or damage for which the Company may be liable by
Guarantee, the Company may pursue any litigation to final
virtue of this Guarantee. If prompt notice shall not be given
determination by a court of competent jurisdiction and
to the Company, then all liability of the Company shall
expressly reserves the right, in its sole discretion, to appeal
terminate with regard to the matter or matters for which
from an adverse judgment or order.
prompt notice is required; provided, however, that failure to
(d) In all cases where this Guarantee permits the Company to
notify the Company shall in no case prejudice the rights of
prosecute or provide for the defense of any action or
any Assured unless the Company shall be prejudiced by the
proceeding, an Assured shall secure to the Company the right
failure and then only to the extent of the prejudice.
to so prosecute or provide for the defense of any action or
3. No Duty to Defend or Prosecute.
proceeding, and all appeals therein, and permit the Company
The Company shall have no duty to defend or prosecute any
to use, at its option, the name of such Assured for this
action or proceeding to which the Assured is a party,
purpose. Whenever requested by the Company, an Assured,
notwithstanding the nature of any allegation in such action or
at the Company's expense, shall give the Company all
proceeding.
Form 5003353 (7-1-14) Page 3 of 8
�I
Guarantee Number: 2860604
CLTA #14 Subdivision Guarantee (4-10-75)
Washington
GUARANTEE CONDITIONS AND STIPULATIONS (Continued)
S.
6.
reasonable aid in any action or proceeding, securing
evidence, obtaining witnesses, prosecuting or defending
the action or lawful act which in the opinion of the
Company may be necessary or desirable to establish the
title to the estate or interest as stated herein, or to
establish the lien rights of the Assured. If the Company
is prejudiced by the failure of the Assured to furnish the
required cooperation, the Company's obligations to the
Assured under the Guarantee shall terminate.
Proof of Loss or Damage.
In addition to and after the notices required under Section 2
of these Conditions and Stipulations have been provided to
the Company, a proof of loss or damage signed and sworn to
by the Assured shall be furnished to the Company within
ninety (90) days after the Assured shall ascertain the facts
giving rise to the loss or damage. The proof of loss or
damage shall describe the matters covered by this Guarantee
which constitute the basis of loss or damage and shall state,
to the extent possible, the basis of calculating the amount of
the loss or damage. If the Company is prejudiced by the
failure of the Assured to provide the required proof of loss or
damage, the Company's obligation to such assured under the
Guarantee shall terminate. In addition, the Assured may
reasonably be required to submit to examination under oath
by any authorized representative of the Company and shall
produce for examination, inspection and copying, at such
reasonable times and places as may be designated by any
authorized representative of the Company, all records, books,
ledgers, checks, correspondence and memoranda, whether
bearing a date before or after Date of Guarantee, which
reasonably pertain to the loss or damage. Further, if
requested by any authorized representative of the Company,
the Assured shall grant its permission, in writing, for any
authorized representative of the Company to examine, inspect
and copy all records, books, ledgers, checks, correspondence
and memoranda in the custody or control of a third party,
which reasonably pertain to the loss or damage. All
information designated as confidential by the Assured
provided to the Company pursuant to this Section shall not be
disclosed to others unless, in the reasonable judgment of the
Company, it is necessary in the administration of the claim.
Failure of the Assured to submit for examination under oath,
produce other reasonably requested information or grant
permission to secure reasonably necessary information from
third parties as required in the above paragraph, unless
prohibited by law or governmental regulation, shall terminate
any liability of the Company under this Guarantee to the
Assured for that claim.
Options to Pay or Otherwise Settle Claims:
Termination of Liability.
In case of a claim under this Guarantee, the Company shall
have the following additional options:
(a) To Pay or Tender Payment of the Amount of Liability or
to Purchase the Indebtedness.
The Company shall have the option to pay or settle or
compromise for or in the name of the Assured any claim
which could result in loss to the Assured within the
coverage of this Guarantee, or to pay the full amount of
this Guarantee or, if this Guarantee is issued for the
benefit of a holder of a mortgage or a lienholder, the
Company shall have the option to purchase the
indebtedness secured by said mortgage or said lien for the
amount owing thereon, together with any costs, reasonable
attorneys' fees and expenses incurred by the Assured claimant
which were authorized by the Company up to the time of
purchase.
Such purchase, payment or tender of payment of the full
amount of the Guarantee shall terminate all liability of the
Company hereunder. In the event after notice of claim has
been given to the Company by the Assured the Company
offers to purchase said indebtedness, the owner of such
indebtedness shall transfer and assign said indebtedness,
together with any collateral security, to the Company upon
payment of the purchase price.
Upon the exercise by the Company of the option provided for
in Paragraph (a) the Company's obligation to the Assured
under this Guarantee for the claimed loss or damage, other
than to make the payment required in that paragraph, shall
terminate, including any obligation to continue the defense or
prosecution of any litigation for which the Company has
exercised its options under Paragraph 4, and the Guarantee
shall be surrendered to the Company for cancellation.
(b) To Pay or Otherwise Settle With Parties Other Than the
Assured or With the Assured Claimant.
To pay or otherwise settle with other parties for or In the name
of an Assured claimant any claim assured against under this
Guarantee, together with any costs, attorneys' fees and
expenses incurred by the Assured claimant which were
authorized by the Company up to the time of payment and
which the Company is obligated to pay.
Upon the exercise by the Company of the option provided for
in Paragraph (b) the Company's obligation to the Assured
under this Guarantee for the claimed loss or damage, other
than to make the payment required in that paragraph, shall
terminate, including any obligation to continue the defense or
prosection of any litigation for which the Company has
exercised its options under Paragraph 4.
7. Determination and Extent of Liability.
This Guarantee is a contract of Indemnity against actual monetary
loss or damage sustained or incurred by the Assured claimant who
has suffered loss or damage by reason of reliance upon the
assurances set forth in this Guarantee and only to the extent herein
described, and subject to the Exclusions From Coverage of This
Guarantee.
The liability of the Company under this Guarantee to the Assured
shall not exceed the least of:
(a) the amount of liability stated in Schedule A or in Part 2;
(b) the amount of the unpaid principal indebtedness secured by
the mortgage of an Assured mortgagee, as limited or provided
under Section 6 of these Conditions and Stipulations or as
reduced under Section 9 of these Conditions and Stipulations,
at the time the loss or damage assured against by this
Guarantee occurs, together with interest thereon; or
(c) the difference between the value of the estate or interest
covered hereby as stated herein and the value of the estate or
interest subject to any defect, lien or encumbrance assured
against by this Guarantee.
S. Limitation of Liability.
(a) If the Company establishes the title, or removes the alleged
defect, lien or encumbrance, or cures any other matter assured
against by this Guarantee in a reasonably diligent manner by
orm 5003353 (7-1-14) Page 4 of 8 uarantee Number: 2860604 CLTA *14 Subdivision Guarantee (4-10-75)
i I Washington
GUARANTEE CONDITIONS AND STIPULATIONS (Continued)
any method, including litigation and the completion of
any appeals therefrom, it shall have fully performed its
obligations with respect to that matter and shall not be
liable for any loss or damage caused thereby.
(b) In the event of any litigation by the Company or with the
Company's consent, the Company shall have no liability
for loss or damage until there has been a final
determination by a court of competent jurisdiction, and
disposition of all appeals therefrom, adverse to the title,
as stated herein.
(c) The Company shall not be liable for loss or damage to
any Assured for liability voluntarily assumed by the
Assured in settling any claim or suit without the prior
written consent of the Company.
9. Reduction of Liability or Termination of Liability.
All payments under this Guarantee, except payments made
for costs, attorneys' fees and expenses pursuant to Paragraph
4 shall reduce the amount of liability pro tanto.
10. Payment of Loss.
(a) No payment shall be made without producing this
Guarantee for endorsement of the payment unless the
Guarantee has been lost or destroyed, in which case
proof of loss or destruction shall be furnished to the
satisfaction of the Company.
(b) When liability and the extent of loss or damage has been
definitely fixed in accordance with these Conditions and
Stipulations, the loss or damage shall be payable within
thirty (30) days thereafter.
11. Subrogation Upon Payment or Settlement.
Whenever the Company shall have settled and paid a claim
under this Guarantee, all right of subrogation shall vest in the
Company unaffected by any act of the Assured claimant.
The Company shall be subrogated to and be entitled to all
rights and remedies which the Assured would have had
against any person or property in respect to the claim had
this Guarantee not been issued. If requested by the
Company, the Assured shall transfer to the Company all rights
and remedies against any person or property necessary in
order to perfect this right of subrogation. The Assured shall
permit the Company to sue, compromise or settle in the name
of the Assured and to use the name of the Assured in any
transaction or litigation involving these rights or remedies.
If a payment on account of a claim does not fully cover the
loss of the Assured the Company shall be subrogated to all
rights and remedies of the Assured after the Assured shall
have recovered its principal, interest, and costs of collection.
S11
12. Arbitration.
Unless prohibited by applicable law, either the Company or the
Assured may demand arbitration pursuant to the Title Insurance
Arbitration Rules of the American Land Title Association. Arbitrable
matters may include, but are not limited to, any controversy or
claim between the Company and the Assured arising out of or
relating to this Guarantee, any service of the Company in
connection with its issuance or the breach of a Guarantee provision
or other obligation. All arbitrable matters when the Amount of
Liability is $2,000,000 or less shall be arbitrated at the option of
either the Company or the Assured. All arbitrable matters when the
amount of liability is in excess of $2,000,000 shall be arbitrated only
when agreed to by both the Company and the Assured. The Rules
in effect at Date of Guarantee shall be binding upon the parties.
The award may include attorneys' fees only if the laws of the state
in which the land is located permits a court to award attorneys' fees
to a prevailing party. Judgment upon the award rendered by the
Arbitrator(s) may be entered in any court having jurisdiction
thereof.
The law of the situs of the land shall apply to an arbitration under
the Title Insurance Arbitration Rules.
A copy of the Rules may be obtained from the Company upon
request.
13. Liability Limited to This Guarantee; Guarantee Entire
Contract.
(a) This Guarantee together with all endorsements, if any,
attached hereto by the Company is the entire Guarantee and
contract between the Assured and the Company. In
interpreting any provision of this Guarantee, this Guarantee
shall be construed as a whole.
(b) Any claim of loss or damage, whether or not based on
negligence, or any action asserting such claim, shall be
restricted to this Guarantee.
(c) No amendment of or endorsement to this Guarantee can be
made except by a writing endorsed hereon or attached hereto
signed by either the President, a Vice President, the Secretary,
an Assistant Secretary, or validating officer or authorized
signatory of the Company.
14. Notices, Where Sent.
All notices required to be given the Company and any statement in
writing required to be furnished the Company shall include the
number of this Guarantee and shall be addressed to the Company
at First American Title Insurance Company, Attn: Claims
National Intake Center,1 First American Way, Santa Ana,
California 92707 Claims.NICdbfirstam.com Phone: 888-632-
1642 Fax: 877-804-7606
A M E R /
C
First American Title
form 5003353 (7-1-14) !Page 5 of 8
Guarantee Number: 2860604 r
CLTA #14 Subdivision Guarantee (4-10-75)
Washington
Of
First American
Schedule A
Order No.: 2860604
Name of Assured: Orca Land Surveying
Date of Guarantee: February 16, 2018
Subdivision Guarantee
ISSUED BY
First American Title Insurance Company
GUARANTEE NUMBER
2860604
Liability: $2,000.00
The assurances referred to on the face page hereof are:
Title is vested in:
RICHARD WICHERS JR., AS HIS SOLE AND SEPARATE PROPERTY
Fee: $350.00
Tax: $33.95
2. That, according to the public records relative to the land described in Schedule C attached hereto
(including those records maintained and indexed by name), there are no other documents
affecting title to said land or any portion thereof, other than those shown under Record Matters
in Schedule B.
The following matters are excluded from the coverage of this Guarantee
A. Unpatented Mining Claims, reservations or exceptions in patents or in acts authorizing
the issuance thereof.
B. Water rights, claims or title to water.
C. Tax Deeds to the State of Washington.
D. Documents pertaining to mineral estates.
4. No guarantee is given nor liability assumed with respect to the validity, legal effect or priority of
any matter shown herein.
5. This Guarantee is restricted to the use of the Assured for the purpose of providing title evidence
as may be required when subdividing land pursuant to the provisions of Chapter 58.17, R.C.W.,
and the local regulations and ordinances adopted pursuant to said statute. It is not to be used
as a basis for closing any transaction affecting title to said property.
Any sketch attached hereto is done so as a courtesy only and is not part of any title commitment,
guarantee or policy. It is furnished solely for the purpose of assisting in locating the premises
and First American expressly disclaims any liability which may result from reliance made upon it.
Form 5003353 (7-1-14) Page 6 of 8 uarantee Number: 2860604 CLTA #14 Subdivision Guarantee (4-10-75)
Washington
' First AmericanSubdivision Guarantee
ISSUED BY
Schedule B First American Title Insurance Company
GUARANTEE NUMBER
2860604
RECORD MATTERS
I. General Taxes for the year 2018. The first half becomes delinquent after April 30th. The second
half becomes delinquent after October 31st.
Tax Account No.:
27041800403500
1st Half
Amount Billed:
$
2,515.14
Amount Paid:
$
0.00
Amount Due:
$
2,515.14
Assessed Land Value:
$
415,100.00
Assessed Improvement Value:
$
56,400.00
2nd Half
Amount Billed:
$
2,515.15
Amount Paid:
$
0.00
Amount Due:
$
2,515.15
Assessed Land Value:
$
415,100.00
Assessed Improvement Value:
$
56,400.00
2. Deed of Trust and the terms and conditions thereof.
Grantor/Trustor: Richard Wichers Jr, unmarried man
Grantee/Beneficiary: Mortgage Electronic Registration Systems, Inc., "MERS" solely as
a nominee for FBC Mortgage, LLC., its successors and assigns
Trustee: First American Title
Amount: $373, 500.00
Recorded: January 25, 2017
Recording Information: 201701250416
Informational Notes, if any
'Form 5003353 (7-1-14) Page 7 of 8 Guarantee Number: 2860604 I cufA #14 Subdivision Guarantee (4-10-757
Washington
her,".Subdivision Guarantee
First American
G!40 I ISSUED BY
Schedule C 1 First American Title Insurance Company
GUARANTEE NUMBER
2860604
The land in the County of Snohomish, State of Washington, described as follows:
THE EAST 104 FEET OF THE WESTERLY 249 FEET OF THE SOUTH HALF OF THE SOUTH HALF OF THE
NORTHWEST QUARTER OF THE SOUTHEAST QUARTER OF THE SOUTHEAST QUARTER OF SECTION 18,
TOWNSHIP 27 NORTH, RANGE 4 EAST, W.M., IN SNOHOMISH COUNTY, WASHINGTON, EXCEPT THE
SOUTH 85 FEET THEREOF;
TOGETHER WITH THAT PORTION OF THE SOUTH HALF OF THE SOUTH HALF OF THE NORTHWEST
QUARTER OF THE SOUTHEAST QUARTER OF THE SOUTHEAST QUARTER OF SECTION 18, TOWNSHIP
27 NORTH, RANGE 4 EAST, W.M., DESCRIBED AS FOLLOWS:
COMMENCING AT THE SOUTHWEST CORNER OF THE ABOVE SAID SUBDIVISION;
THENCE SOUTH 89006'02" EAST ALONG THE SOUTH LINE OF SAID SUBDIVISION 127 FEET TO THE
TRUE POINT OF BEGINNING OF THE TRACT OF LAND HEREIN DESCRIBED;
THENCE CONTINUING SOUTH 89006'02" EAST 122 FEET;
THENCE NORTH 0045'50" EAST PARALLEL WITH THE WEST LINE OF THE ABOVE SAID SUBDIVISION 85
FEET;
THENCE NORTH 89006'02" WEST 104 FEET;
THENCE SOUTH 62000'48" WEST 20.53 FEET;
THENCE SOUTH 0045'50" WEST 75.08 FEET TO THE TRUE POINT OF BEGINNING.
ALSO TOGETHER WITH THAT PORTION OF THE SOUTH HALF OF THE SOUTH HALF OF THE
NORTHWEST QUARTER OF THE SOUTHEAST QUARTER OF THE SOUTHEAST QUARTER, OF SECTION 18,
TOWNSHIP 27 NORTH, RANGE 4 EAST, W.M., DESCRIBED AS FOLLOWS:
COMMENCING AT THE SOUTHWEST CORNER OF THE ABOVE DESCRIBED SAID SUBDIVISION;
THENCE NORTH 0045'50" EAST ALONG THE WEST LINE OF THE ABOVE SAID SUBDIVISION 75.03 FEET
TO THE TRUE POINT OF BEGINNING OF THE TRACT OF LAND HEREIN DESCRIBED;
THENCE CONTINUING NORTH 0045'50" EAST 20 FEET;
THENCE SOUTH 89007'25" EAST 107 FEET TO THE POINT OF A CURVE TO THE LEFT HAVING A RADIUS
OF 77.73 FEET;
THENCE EASTERLY ALONG THE ARC OF A CURVE TO THE LEFT AND CONSUMING A CENTRAL ANGLE OF
29014'54" AN ARC DISTANCE OF 39.68 FEET;
THENCE SOUTH 0045'50" WEST 20 FEET;
THENCE SOUTH 62000'48" WEST 20.53 FEET;
THENCE NORTH 89007'25" WEST 127 FEET TO THE TRUE POINT OF BEGINNING.
EXCEPT THE WEST 20 FEET THEREOF IN SNOHOMISH COUNTY, WASHINGTON.
form 5003353 (7-1-14) (Page 8 of 8 �uarantee Number: 2860604 CLTA #14 Subdivision Guarantee (4-10-75)
Washingtoni
First American
Schedule A
Order No.: 2860604
Name of Assured: Orca Land Surveying
Date of Guarantee: February 16, 2618
Subdivision Guarantee
ISSUED BY
First American Title Insurance Company
GUARANTEE NUMBER
2860604
Liability: $2,000.00
The assurances referred to on the face page hereof are:
1. Title is vested in:
RICHARD WICHERS JR., AS HIS SOLE AND SEPARATE PROPERTY
Fee: $350.00
Tax:$33.95
2. That, according to the public records relative to the land described in Schedule C attached hereto
(including those records maintained and indexed by name), there are no other documents
affecting title to said land or any portion thereof, other than those shown under Record Matters
in Schedule B.
3. The following matters are excluded from the coverage of this Guarantee
A. Unpatented Mining Claims, reservations or exceptions in patents or in acts authorizing
the issuance thereof.
B. Water rights, claims or title to water.
C. Tax Deeds to the State of Washington.
D. Documents pertaining to mineral estates.
4. No guarantee is given nor liability assumed with respect to the validity, legal effect or priority of
any matter shown herein.
This Guarantee is restricted to the use of the Assured for the purpose of providing title evidence
as may be required when subdividing land pursuant to the provisions of Chapter 58.17, R.C.W.,
and the local regulations and ordinances adopted pursuant to said statute. It is not to be used
as a basis for closing any transaction affecting title to said property.
6. Any sketch attached hereto is done so as a courtesy only and is not part of any title commitment,
guarantee or policy. It is furnished solely for the purpose of assisting in locating the premises
and First American expressly disclaims any liability which may result from reliance made upon it.
Form 5003353 (7-1-14) Page 6 of B Guarantee Number: 2660604 CLTA #14 Subdivision Guarantee (4-10-75)
Washinptonl
` First American
Schedule B
Subdivision Guarantee
ISSUED BY
First American Title Insurance Company
GUARANTEE NUMBER
2860604
RECORD MATTERS
1. General Taxes for the year 2018. The first half becomes delinquent after April 30th. The second
half becomes delinquent after October 31st.
Tax Account No.:
27041800403500
1st Half
Amount Billed:
$
2,515.14
Amount Paid:
$
0.00
Amount Due:
$
2,515.14
Assessed Land Value:
$
415,100.00
Assessed Improvement Value:
$
56,400.00
2nd Half
Amount Billed:
$
2,515.15
Amount Paid:
$
0.00
Amount Due:
$
2,515.15
Assessed Land Value:
$
415,100.00
Assessed Improvement Value:
$
56,400.00
2. Deed of Trust and the terms and conditions thereof.
Grantor/Trustor: Richard Wichers Jr, unmarried man
Grantee/Beneficiary: Mortgage Electronic Registration Systems, Inc., "MERS" solely as
a nominee for FBC Mortgage, LLC., its successors and assigns
Trustee: First American Title
Amount: $373, 500.00
Recorded: January 25, 2017
Recording Information: 201701250416
Informational Notes, if any
dorm 5003353 (7-1-14) Page 7 of 8 Guarantee Number: 2860604 CLTA #14 Subdivision Guarantee (4-10-75)1
Washingtoni
i -- -
First American
Schedule C
Subdivision Guarantee
ISSUED BY
First American Title Insurance Company
GUARANTEE NUMBER
2860604
The land in the County of Snohomish, State of Washington, described as follows:
THE EAST 104 FEET OF THE WESTERLY 249 FEET OF THE SOUTH HALF OF THE SOUTH HALF OF THE
NORTHWEST QUARTER OF THE SOUTHEAST QUARTER OF THE SOUTHEAST QUARTER OF SECTION 18,
TOWNSHIP 27 NORTH, RANGE 4 EAST, W.M., IN SNOHOMISH COUNTY, WASHINGTON, EXCEPT THE
SOUTH 85 FEET THEREOF;
TOGETHER WITH THAT PORTION OF THE SOUTH HALF OF THE SOUTH HALF OF THE NORTHWEST
QUARTER OF THE SOUTHEAST QUARTER OF THE SOUTHEAST QUARTER OF SECTION 18, TOWNSHIP
27 NORTH, RANGE 4 EAST, W.M., DESCRIBED AS FOLLOWS:
COMMENCING AT THE SOUTHWEST CORNER OF THE ABOVE SAID SUBDMSION;
THENCE SOUTH 89006'02" EAST ALONG THE SOUTH LINE OF SAID SUBDMSION 127 FEET TO THE
TRUE POINT OF BEGINNING OF THE TRACT OF LAND HEREIN DESCRIBED;
THENCE CONTINUING SOUTH 89006'02" EAST 122 FEET;
THENCE NORTH 0045'50" EAST PARALLEL WITH THE WEST LINE OF THE ABOVE SAID SUBDMSION 85
FEET;
THENCE NORTH 89006'02" WEST 104 FEET;
THENCE SOUTH 62000'48" WEST 20.53 FEET;
THENCE SOUTH 0045'50" WEST 75.08 FEET TO THE TRUE POINT OF BEGINNING.
ALSO TOGETHER WITH THAT PORTION OF THE SOUTH HALF OF THE SOUTH HALF OF THE
NORTHWEST QUARTER OF THE SOUTHEAST QUARTER OF THE SOUTHEAST QUARTER, OF SECTION 18,
TOWNSHIP 27 NORTH, RANGE 4 EAST, W.M., DESCRIBED AS FOLLOWS:
COMMENCING AT THE SOUTHWEST CORNER OF THE ABOVE DESCRIBED SAID SUBDMSION;
THENCE NORTH 0045'50" EAST ALONG THE WEST LINE OF THE ABOVE SAID SUBDMSION 75.03 FEET
TO THE TRUE POINT OF BEGINNING OF THE TRACT OF LAND HEREIN DESCRIBED;
THENCE CONTINUING NORTH 0045'50" EAST 20 FEET;
THENCE SOUTH 8900725" EAST 107 FEET TO THE POINT OF A CURVE TO THE LEFT HAVING A RADIUS
OF 77.73 FEET;
THENCE EASTERLY ALONG THE ARC OF A CURVE TO THE LEFT AND CONSUMING A CENTRAL ANGLE OF
29014'54" AN ARC DISTANCE OF 39.68 FEET;
THENCE SOUTH 0045'50" WEST 20 FEET;
THENCE SOUTH 62000'48" WEST 20.53 FEET;
THENCE NORTH 8900725" WEST 127 FEET TO THE TRUE POINT OF BEGINNING.
EXCEPT THE WEST 20 FEET THEREOF IN SNOHOMISH COUNTY, WASHINGTON.
,form 5003353 (7-1-14) Page 8 of 8 Guarantee Number: 2860604 CLTA #14 Subdivision Guarantee (440-75)`
Washington
EXHIBIT A
LEGAL DESCRIPTION: Real property in the County of Snohomish, State of Washington,
described as follows:
THE EAST 104 FEET OF THE WESTERLY 249 FEET OF THE SOUTH HALF OF THE SOUTH
HALF OF THE NORTHWEST QUARTER OF THE SOUTHEAST QUARTER OF THE
SOUTHEAST QUARTER OF SECTION 18, TOWNSHIP 27 NORTH, RANGE 4 EAST, W.M.,
IN SNOHOMISH COUNTY, WASHINGTON, EXCEPT THE
SOUTH 85 FEET THEREOF;
TOGETHER WITH THAT PORTION OF THE SOUTH HALF OF THE SOUTH HALF OF THE
NORTHWEST QUARTER OF THE SOUTHEAST QUARTER OF THE SOUTHEAST QUARTER
OF SECTION 18, TOWNSHIP 27 NORTH, RANGE 4 EAST, W.M., DESCRIBED AS
FOLLOWS:
COMMENCING AT THE SOUTHWEST CORNER OF THE ABOVE SAID SUBDIVISION;
THENCE SOUTH 89006'02" EAST ALONG THE SOUTH LINE OF SAID SUBDIVISION 127
FEET TO THE TRUE POINT OF BEGINNING OF THE TRACT OF LAND HEREIN
DESCRIBED;
THENCE CONTINUING SOUTH 89006'02" EAST 122 FEET;
THENCE NORTH 0045'50" EAST PARALLEL WITH THE WEST LINE OF THE ABOVE SAID
SUBDMSION 85 FEET;
THENCE NORTH 89006'02" WEST 104 FEET;
THENCE SOUTH 62000'48" WEST 20.53 FEET;
THENCE SOUTH 0045'50" WEST 75.08 FEET TO THE TRUE POINT OF BEGINNING.
ALSO TOGETHER WITH THAT PORTION OF THE SOUTH HALF OF THE SOUTH HALF OF
THE NORTHWEST QUARTER OF THE SOUTHEAST QUARTER OF THE SOUTHEAST
QUARTER, OF SECTION 18, TOWNSHIP 27 NORTH, RANGE 4 EAST, W.M., DESCRIBED
AS FOLLOWS:
COMMENCING AT THE SOUTHWEST CORNER OF THE ABOVE DESCRIBED SAID
SUBDIVISION;
THENCE NORTH 0045'50" EAST ALONG THE WEST LINE OF THE ABOVE SAID
SUBDMSION 75.03 FEET TO THE TRUE POINT OF BEGINNING OF THE TRACT OF LAND
HEREIN DESCRIBED;
THENCE CONTINUING NORTH 0045'50" EAST 20 FEET;
THENCE SOUTH 89007'25" EAST 107 FEET TO THE POINT OF A CURVE TO THE LEFT
HAVING A RADIUS OF 77.73 FEET;
THENCE EASTERLY ALONG THE ARC OF A CURVE TO THE LEFT AND CONSUMING A
CENTRAL ANGLE OF 29014'54" AN ARC DISTANCE OF 39.68 FEET;
THENCE SOUTH 0045'50" WEST 20 FEET;
THENCE SOUTH 62000'48" WEST 20.53 FEET;
THENCE NORTH 89007'25" WEST 127 FEET TO THE TRUE POINT OF BEGINNING.
EXCEPT THE WEST 20 FEET THEREOF IN SNOHOMISH COUNTY, WASHINGTON.
Tax Parcel ID No. 27041800403500
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201701250416 001
ELECTRONICALLY RECORDED
201701250416 17
01126/2017 01:18 PM 90.00
SNOHOMISH COUNTY, WASHINGTON
When recorded, return to:
FBC Mortgage, LLC
Attn: Final Document Department
1230 Commerce Park Drive, Suite 116
Longwood, FL 32779
467472.1383
Assessor's Parcel or Account Number: 27041800403500
Abbreviated Legal Description: Ptn Sec 18 Twp 27N Rge 4E NW Otr SE Qtr SE Qtr, Snohomish
County
APN: 27041800403500 Its _ x IoL block and plat or section, tovmsdp and rallgel
Full legal description located on page TITLED "EXHIBIT A"
Trustee: First American Title
First American Title
Title Order No.: 2671493
Escrow No.: 2671493 %' T ERA CAN � —
LOAN i1: 1161160090 1 lit of ing Data)
- - ISpncn Above Thla Line For Recording Delaj
DEED OF TRUST
MIN 1004591-0000496072.2
MERS PHONE #: 1-888-679.6377
DEFINITIONS
Words used in multiple sections of this document are defined below and other words are defined in
Sections 3. 11. 13, 18, 20 and 21. Certain rules regarding the usage of words used in this document
are also provided in Section 16.
(A) "Security Instrument" means this document, which is dated January 24, 2017,
Iogeitrer with all Riders to this document.
(B) "Borrowor" Is RICHARD WICHERS JR, UNMARRIED MAN.
Borrower is the trustor under this Security Instrument.
(C) "Lender' is FBC Mortgage, I.I.C.
Lender Is a Limped Liability Company, organized and existing under the
laws of Florida, Lender's address is
189 S. Orange Avenue, Suite 970, Orlando, FL 32801.
(D) "Trustee" is First American Title.
(E) "MERS" is the Mortgage Electronic Registration Systems, Inc. Lender has appolnled MERS as the
nominee for Lender for this loan, and attached a MERS Rider to this Security Instrument, lobe executed by
Borrower, which further describes the relationship between lender and MERS, and which is incorporated
into and amends and supplements this Security Instrument,
WASMNOTON•-Single Family-Fannta MaelFreddis Mac UNIFORM INSTRUMENT form 30461r01
F.u;e Nno, Inc Pape 1 Of 11 WAEDEED 0315
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20170125041E 002
LOAN 0: 1161160090
(F) "Noto" means the promissory note signed by Borrower and dated January 24. 2017.
The Note states that Borrower owes Lender THREE HUNDRED SEVENTY THREE THOUSAND
FIVE HUNDRED AND N01100"....
Dollars (U.S. $373,500.00 ) plus interest. Borrower has promised to pay this debt in regular
Periodic Payments and to pay the debt in full not later than February1, 2047.
(G) "Property" means the property that is described below under the heading 'Transfer of Rights in the
Pnopeny.'
(H) "Loan" means thedebt evidenced by the Note, plus interest. any prepayment charges and late charges
due under the Note, and all sums due under this Security Instrument. plus interest.
(n "Riders" means all Riders to this Security Instrument that are executed by Borrower. The following
Riders are to be executed by Borrower ('check box as applicable):
❑ Adjustable Rate Rider ❑ Condominium Rider ❑ Second Home Rider
❑ Balloon Rider ❑ Planned Unit Development Rider ❑ V.A. Rider
Cl 1.4 Family Rider ❑ Biweekly Payment Rider
W Mortgage Electronic Registration Systems. Inc. Rider
❑ Outer(s) (specify)
(J) "Applicable Law" means all controlling applicable federal. state and local statutes. regulations.
ordinances and administrative rules and orders (that have the effect of law) as well as all applicable final,
non-appealabte judicial opinions.
(K) "Community Association Dues, Fees, and Assessments" means all dues, fees, assessments and
other charges that are imposed on Borrower or the Property by a condominium association, homeowners
association or similar organization.
(L) "Electronic Funds Transfer"means any transfer offunds, other than a transaction originated by checK
draft, or similar paper instrument, which is initiated through an electronic terminal, telephonic instrument.
computer, or magnetic tape so as to order, instruct, or authorize a financial insidulion to debit or credit an
account. Such term includes, but is not limited to, point -of -sale transfers, automated teller machine tmns-
actions, transfers initiated by telephone, wife transfers, and automated clearinghouse transfers
(M) "Escrow Items" means those items that are described in Section 3.
(N) "Miscellaneous Proceeds" means any compensation, settlement, award of damages. or proceeds
paid by any third party (other than Insurance proceeds paid under the coverages described in Section 5)
for: (r damage to, or destruction of, the Property: (6) condemnation or other taking of all or any part of the
P(operty; 06) conveyance in lieu of condemnation; or (iv) misrepresentations of, or omissions as to, the
value andfor condition of the Property.
(0) "Mortgage Insurance" means insurance protecting Lender against the nonpayment of, or default
on, the Loan.
(P) "Periodic Payment" means the regularly scheduled amount due for (1) principal and Interest under
the Note, plus (ii) any amounts under Section 3 of this Security Instrument.
(q) "RESPA" means the Real Estate Settlement Procedures Act (12 U.S.C. §2601 et seq.) and Its Imple.
rnenllg regulation. Regulation X (12 C.F.R. Pan 1024), as they might be amended from time to time, or any
additional or successor legislation or regulation that governs the same subject matter. As used in this Security
Instrument, 'RESPA' refers to all requirements and restrictions that are Imposed in regard to a 'federally
related mortgage loan' even if the Loan does not qualify as a Yedwally related mortgage ban' under RESPA.
(R) "Successor in Interest of Borrower" means any party that has taken title to the Property, whether
or not that party has assumed Borrower's obligations under the Note ardllor this Security Instrument.
TRANSFER OF RIGHTS IN THE PROPERTY
The beneficiary of this Security Instrument is MERS (solely as nominee for Lender and Lender's succes-
sors and assigns) and the successors and assigns of MERS. This Security InsWment secures to Lender:
(I) the repayment of the Loan, and all renewals, extensions and modifications of the Note; and (li) the
performance of Borrower's covenants and agreements under this Security Instrument and the Note. For
this purpose, Borrower irrevocably grants and conveys to Trustee. In trust, with power of sale, the following
described property located In the County of Snohomish
(Type of Retarding Jurlsdi Iwl (Name of Recordrlg Jurisdiction]:
SEE LEGAL DESCRIPTION ATTACHED HERETO AND MADE A PART HEREOF AS "EXHIBIT A".
APN 0: 27041800403500
WASHINGTON-Single Famlly-Fannle MaelFreddie Mac UNIFORM INSTRUMENT Form 30481101
El+o rr_,,,. 1n Page of 11 v;nr D.ED 0315
V,AEDEEO(CLS)
01/2412017 De:15 AM PST
201701250416.003
LOAN 111:1161160090
which currently has the address of 19325 60th Ave W. Edmonds,
ISueea [City)
Washington 96026 ('Property Address"):
[ZIP code)
TOGETHER WITH all the Improvements now or hereafter erected on the property, and all easements,
appurtenances, and fixtures now or hereafter a part of the property. All replacements and addiltons shall
also be covered by this Security Instrument. All of the foregoing is referred to In this Security Instrument as
lhe'Propeny.' Borrower understands and agrees that MERS holds orgy legal title to the interests granted
by Borrower in this Security Instrument. but, if necessary to comply with low or custom, MERS (as nominee
for Lender and Lender's successors and assigns) has the right: to exercise any or all of those Interests,
Including, but not limited 10, the right to foreclose and sell the Property; and to take any action required o1
Lender Including, but not limited to, releasing and canceling this Security Instrument.
BORROWER COVENANTS that Borrower is lawfully selsed of the estate hereby conveyed and has
the right to grant and convey the Property and that the Property is unencumbered, except for encum-
brances of record. Borrower warrants and will defend generally the title to the Property against all claims
and demands, subject to any encumbrances of record.
THIS SECURITY INSTRUMENT combines uniform covenants for national use and non -uniform
covenants with limited variations by jurisdiction to consthute a uniform security instrument covering real
Property
UNIFORM COVENANTS. Borrower and Lender covenant and agree as follows:
1. Payment of Principal, Interest, Escrow Items, Prepayment Charges, and Late Charges.
Borrower shall pay when due the principal of, and interest on, the debt evidenced by the Note and any
prepayment charges and late charges due under the Note. Borrower shall also pay funds for Escrow
Items pursuant to Section 3. Payments due under the Note and INS Security Instrument shall be made in
U.S. currency. However, If any check or other Instrument received by Lender as payment under the Note
or this Security Instrument Is returned to Lender unpaid. Lender may require that any or all subsequent
payments due under the Note and ails Security Instrument be made in one or more of the folio. ing forms,
as selected by Lender: (a) cash; (b) money order; (c) certified check, bank check, treasurer's check or
cashier's check, provided any such check Is drawn upon an Institution whose deposits are insured by a
federal agency, instrumentality, or entity; or (0) Electronic Funds Transfer.
Payments are deemed received by Lender when received at the location designated in the Note or at
such other location as may be designated by Lender in accordance with the notice provisions In Section
15. Lender may return any payment or partial payment if the payment or partial payments are Insufficient
to bring the Loan current. Lender may accept any payment or partial payment Insufficient to bring the Loan
current, without waiver of arty rights hereunder or prejudice to its rights to refuse such payment or partial
payments In the future, but Lender is not obligated to apply such payments at the time such payments are
accepted. If each Periodic Payment Is applied as of its scheduled due date, them Lender need not pay inter-
est on unapplied funds. Lender may hold such unapplied funds until Borrower makes payment to bring the
Loan current. If Borrower does not do so within a reasonable period of time. Lender shall either apply such
funds or return them to Borrower. If not applied earlier, such funds will be applied to the outstanding principal
balance under the Note immediately prior to foreclosure. No offset or claim which Borrower might have now
or in the future against Lender shall relieve Borrower from making payments due under the Note and this
Security Instrument or performing the covenants and agreements secured by this Security Instrument.
2. Application of Payments or Proceeds. Except as otherwise described in this Section 2, all pay-
ments accepted and applied by Lender shall be applied in the following order of priority: (a) interest due
under the Note; (b) principal due under the Note; (c) amounts due under Section 3. Such payments shall
be applied to each Periodic Payment In the order in which it became due. Any remaining amounts shall
be applied first to late charges, second to any other amounts due under this Security Instrument, and then
to reduce the principal balance of the Note.
If Lender receives a payment from Borrower for a delinquent Periodic Payment which includes a suf-
ficient amount to pay any late charge due, the payment may be applied to the delinquent payment and the
late charge. If more than one Periodic Payment is outstanding. Lender may apply any payment received
from Borrower to the repayment of the Periodic Payments it, and to the extent that. each payment can be
paid in full. To the extent that tiny excess exists after the payment is applied to the full payment of one or
more Periodic Payments, such excess may be applied to any late charges due. Voluntary prepayments
shall be applied fist to any prepayment charges and then as described in the Note.
Any application of payments, insurance proceeds. or Miscellaneous Proceeds to principal due under
the Note shall not extend or postpone the due date, or change the amount. of the Periodic Payments.
3. Funds for Escrow Items. Borrower shall pay to Lender on the day Periodic Payments are due
under the Note, until the Note is paid in full, a sum (the -Funds") to provide for payment of amounts due
for. (a) taxes and assessments and other items which can attain priority over this Security Instrument as
a Icon or encumbrance on the Property; (b) leasehold payments of ground rents on the Property, if any;
(c) premiums for any and all Insurance required by Lender under Section 5: and (d) Mortgage Insurance
premiums, if any, or any sums payable by Borrower to Lender in lieu of the payment of Mortgage insur-
ance premiums in accordance with the provisions of Section 10. These items are called'Escrow hems'
At origination or at any time during the term of the Loan, Lender may require that Community Association
WASHINGTON--Single Formhy.-Fenrde MaelFreddis Mac UNIFORM INSTRUMENT Form 3001M1
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LOAN 0: 1161160090
Dues. Fees, and Assessments, if any, be escnovied by Borrower, and such dues, fees and assessments
shall be an Escrow Item. Borrower shall promptly furnish to Lender all notices of amounts to be paid under
this Section. Borrower shall pay Lender the Funds for Escrow Items unless lender waives Borrower's
obligation to pay the Funds for any or all Escrow Items. Lender may waive Borrower's obligation to pay to
Lender Funds for arty or all Escrow Items at any time. Any such waiver may only be in writing. In the event
of suchwaiver. Borrower shall paydirectly, when and where payable, the amounts due forany Escrow Items
for which payment of Funds has been waived by Lender and, if Lender requires, shall furnish to Lender
receipts evidencing such payment within such time period as Lender may require. Borrower's obligation
to make such payments and to provide receipts shall for all purposes be deemed to be a covenant and
agreement contained In this Security Insuumen4 as the phrase'covenam and agreement" is used in Sec-
tion 9. If Borrower is obligated to pay Escrow Items directly, pursuant to a waiver, and Borrower fails to pay
the amount due for an Escrow Item, Lender may exercise Its rights under Section 9 and pay such amount
and Borrower shall then be obligated under Section 9 to repay to Lender any such amount. Lender may
revoke the waiver as to any or all Escrow Items at any time by a notice given in accordance with Section
15 and, upon such revocation, Borrower shall pay to Lender all Funds. and In such amounts, that are then
required under this Section 3.
Lender may, at any time, collect and hold Funds In an amount (a) sufficient to permit Lender to apply the
Funds at the time specified under RESPA, and (b) not to exceed the maximum amount a lender can require
under RESPA. Lender shall estimate the amount of Funds due on the basis d current data and reasonable
estimates of expenditures of future Escrow Items or otherwise in accordance with Applicable Lew.
The Funds shall be held in an Institution whose deposits are insured by a federal agency. Instrumental-
ity, or entity pncluding Lender, if Lender is an Insthution whose deposits are so insured) or in any Federal
Home Loan Bank. Lender shall apply the Funds to pay the Escrow Items no later than the time specified
under RESPA. Lender shall riot charge Borrower for holding and applying the Funds, annually analyzing
the escrow account, or verifying the Escrow hems, unless Lender pays Borrower interest on the Funds
and Applicable Law permits Lender to make such a charge. Unless an agreement is made In writing or
Applicable Law requires interest to be paid on the Funds. Lender shall not be required to pay Borrower
any Interest or earnings on the Funds. Borrower and Lender can agree In writing, however, that Interest
shall be paid on the Funds. Lender shall give to Borrower, without charge, an annual accounting of the
Funds as required by RESPA.
If there is a surplus of Funds held In escrow, as defined under RESPA, Lender shall account to Bor-
rower for the excess funds In accordance with RESPA. If there is a shortage of Funds held in escrow, as
defined under RESPA, Lender shall notify Borrower as required by RESPA, and Borrower shall pay to
Lender the amount necessary to make up the shortage in accordance with RESPA, but In no more than
12 monthly payments. If there Is a deficiency of Funds held in escrow, as defined under RESPA, Lender
shall notify Borrower as required by RESPA, and Borrower shall pay to lender the amount necessary to
make up the deficiency in accordance with RESPA, but in no more than 12 monthly payments.
Upon payment in full of all sums secured by this Security Instrument. Lender shall promptly refund to
Borrower any Funds held by Lender.
4. Charges; Liens. Borrower shall pay all taxes, assessments, charges, fines, and impositions attrib•
utable to the Property which can attain priority over this Security Instrument. leasehold payments or ground
rents on the Property, if any, and Community Association Dues, Fees. and Assessments, 6 any. To the extent
that those items are Escrow hems, Borrower shall pay them in the manner provided in Section 3.
Borrower shall promptly discharge any lien which has priority over this Security Instrument unless
Borrower: (a) agrees in writing to the payment of the obligation secured by the lien in a manner acceptable
to Lender, but only so long as Borrower is performing such agreement: (b) contests the lien in good faith
by, or defends against enforcement of the lien in, legal proceedings which In Lender's opinion operate to
prevent the enforcement of the lien while those proceedings are pending, but only until such proceedings
are concluded; or (c) secures from the holder of the lien an agreement satisfactory to Lender subordinating
the lien to this Security Instrument. If Lender determines that any pan of the Property Is subject to a lien
which can attain priority over this Security Instrument. Lender may give Borrower a notice identifying the
lien. Within 10 days of the date on which that notice is given, Borrower shall satisfy the lien or take one or
more of the actions set fonh above in this Section 4.
Lender may require Borrower to pay a one-time charge for a real estate tax verification andfor report.
Ing service used by Lender in connection with this Loan.
S. Property Insurance. Borrower shall keep the improvements now existing or hereafter erected on
the Property insured against loss by fire, hazards included within the term *extended coverage; and any
other hazards including, but not limited to, earthquakes and floods, for which Lender requires insurance.
This insurance shall be maintained in the amounts (including deductible levels) and for the periods that
Larder requires. What Lender requires pursuant to the preceding sentences can change during the term
of the Loan. The Insurance carrier providing the insurance shall be chosen by Borrower subject to Lender's
right to disapprove Borrowers choice, which right shall not be exercised unreasonably. Lender may require
Borrower to pay, in connection with this Loan, either. (a) a one-time charge for flood zone determination,
certification and tracking services; or (b) a one-time charge for flood zone determination and certification
services and subsequent charges each time remappings or similar charges occur which reasonably might
affect such determination or certification. Borrower shall also be responsible for the payment of any fees
imposed by the Federal Emergency Management Agency In connection with the review of any flood zone
determination resulting from an objection by Borrower.
It Borrower fails to maintain any of the coverages described above, lender may obtain insurance
coverage. at Lender's option and Borrower's expense. Lender is under no obligation to purchase any
WASHINGTON•-Single Farrdip-Fanrde MaelFreddie Mac UNIFORM INSTRUMENT Form 3040 1101
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�.
201701250416 005
LOAN #: 1161160090
particular type or amount of coverage. Therefore, such coverage shall cover Lender. but might or might
not protect Borrower. Borrower's equity in the Property, or the contents of the Property, against any risk,
hazard or liability and might provide greater or lesser coverage than was previcusl in effect. Borrower
acknowledges that the cost of the Insurance coverage so obtained might slgnificang exceed the cost of
Insurance that Borrower could have obtained. Any amounts disbursed by Lender under this Section 5 shall
become additional debt of Borrower secured by this Security Instrument. These amounts shall bear interest
at the Note rate from the date of disbursement and shall be payable, with such interest, upon notice from
Lender to Borrower requesting payment.
All Insurance policies required by Lender and renewals of such policies shall be subject to Lender's
right to disapprove such policies, shall Include a standard mortgage clause, and shall name Lender as
mortgagee and/or as an additional less payee. lender shall have the right to hold the policies and renewal
certificates. If Lender requires, Borrower shall promptly give to Lender all receipts of paid premiums and
renewal notices. If Borrower obtains any form of Insurance coverage, not otherwise required by Lender.
for damage to, or destruction of, the Property. such policy shall include a standard mortgage clause and
shall name Lender as mortgagee and/or as an additional loss payee.
In the event of loss. Borrower shall give prompt notice to the insurance carrier and Lender. Lender
may make proof of loss 0 not made promptly by Borrower. Unless Lender and Borrower otherwise agree
in writing. any insurance proceeds, whether or not the underlying insurance was required by Lender.
shall be applied to restoration or repair of the Property, if the restoration or repair is economically feasible
and Lender's security Is not lessened. During such repair and restoration period, Lender shall have the
right to hold such insurance proceeds until Lender has had an opportunity to inspect such Property to
ensure the work has been completed to Lender's satisfaction, provided that such inspection shall be
undertaken promptly. Lender may disburse proceeds for the repairs and restoration In a single payment
or in a series of progress payments as the work is completed. Unless an agreement is made in writing or
Applicable Law requires interest to be paid on such insurance proceeds, Lender shall not be required to
pay Borrower any interest or earnings on such proceeds. Fees for public adjusters, or other third parties.
retained by Borrower shall not be paid out of the Insurance proceeds and shall be the sole obligation of
Borrower. If the restoration or repair Is not economically feasible or Lender's security would be lessened,
Ow insurance proceeds shall be applied to the sums secured by this Security Instrument, whether or not
Own due, with the excess, if any, paid to Borrower. Such insurance proceeds shall be applied in the order
provided for In Section 2.
It Borrower abandons the Property. Lender may file, negotiate and settle any available insurance
claim and related matters. If Borrower does not respond within 30 days to a notice from Lender that the
insurance carrier has offered to settle a claim. then Lender may negotiate and settle the claim. The 30 day
period will begin when the notice Is given. In either event. or if lender acquires the Property under Sec-
tion 22 or otherwise. Borrower hereby assigns to Lender (a) Borrower's rights to any insurance proceeds
in an amount not to exceed the amounts unpaid under the Note or this Security Instrument. and (b) any
other of Borrower's rights (other than the right to any refund of unearned premiums pad by Borrower)
under as insurance policies covering the Property, insofar as such rights are applicable to the coverage
of the Property. Lender may use the insurance proceeds either to repair or restore the Property or to pay
amounts unpaid under the Note or this Security Instrument. whether or not then due.
6. Occupancy. Borrower shhaltoccwpy. establish, and usethe Propertyas Borrowei'sprkw4wlresldence
within 60 days after the execution of this Security Instrument and shall continue to occupy the Property as
Borrower's principal residence for at least one year after the date of occupancy, unless Lender otherwise
agrees in writing, which consent shall not be unreasonably withheld, or unless extenuating circumstances
exist which are beyond Borrower's control.
7. Preservation, Maintenance and Protection of the Property: Inspections. Borrower shall not
destroy, damage or Impair the Property, allow the Properly to deteriorate or commit waste on the Properly.
Whether or not Borrower is residing in the Property, Borrower shall maintain the Property in order to prevent
the Property from deteriorating or decreasing in value due to its condition. Unless it is determined pursu.
ant to Section 5 that repair or restoration is not economically feasible, Borrower shall promptly repair the
Property if damaged to avoid further deterioration or damage. If Insurance or condemnation proceeds are
paid inconnection with damage to, or the taking of, the Property. Borrower shall be responsible for repairing
or restoring the Property only it Lender has released proceeds for such purposes. Lender may disburse
proceeds for the repairs and restoration in a single payment or in a series of progress payments as the
work is completed. If the insurance or condemnalion proceeds are not sufficient to repair or restore the
Property, Borrower is not relieved of Borrower's obligation for the completion of such repair or restoration.
Lender or Its agent may make reasonable entries upon and Inspections of the Property. If it has rea-
sonable cause, Lender may inspect the interior of the improvements on the Property. Lender shall give
Borrower notice at the lime of or prior to such an interior inspection specifying such reasonable cause.
6. Borrower's Loan Application. Borrower shall be indefault 0. during the Loan application process,
Borrower or any persons or entities acting at the direction of Borrower or with Borrower's knowledge or
consent gave materially false, mislead'�9, or inaccurate information or statements to Lender (or failed to
provide Lender with material information) In connection with the Loan. Material representations Include,
but are not limited to, representations conceming Borrower's occupancy of the Property as Borrower's
principal residence.
9. Protection of Lender's Interest in the Property and Rights Under this Security Instrument.
If (a) Borrower fails to perform the covenants and agreements contained In this Security Instrument. (b)
there Is a legal proceeding that might significantly affect Lender's Interest In the Property and/or rights under
INS Security Instrument (such as a proceeding in bankruptcy, probate, for condemnation or forfeiture, for
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enforcement of a lien which may aaam priority over this Security Instrument or to enforce lawsor regulations),
or (c) Borrower has abandoned the Property, then Lender may do and pay for whatever Is reasonable or
appropriate to protect Lender's interest in the Property and rights under this Security InslrumenL including
protecting antdfor assessing the value of the Property, and securing and/or repairing the Property. Lender's
actions can include. but are not limited to: (a) paying anY sums secured by a lien which has priority over this
Security Instrument; (b) appearing in court: and (c) paying reasonable attorneys' fees to protect its interest
in the Property and/or rights under this Security Instrument. Including its secured position in a bankruptcy
proceeding. Securing the Property Includes, but Is not 6rnited to, entering the Property to make repairs.
change ticks, replace or board up doors and windows, drain water from pipes. eliminate building or other
code violations or dangerous conditions, and have utilities turned on or off. Although Lender may take action
under this Section 9, Lender does not have to do so and is not under any duty or obligation to do so. It is
agreed that lender incurs no liability for not taking any or all actions authorized under this Section 9.
Any, amounts disbursed by Lender under this Section 9 shall become additional debt of Borrower
secured by this Security Instrument These amounts shall bear interest at the Note rate from the date Of
disbursement and shall be payable, with such Interest, upon naive from Lender to Borrower requesting
payment.
If this Security instrument is on a leasehold, Borrower shall comply with all the provisions of the tease.
Borrower shah not surrender the leasehold estate and interests herein conveyed or terminate or cancel
the ground lease. Borrower Shall not. without the express written consent of Lender. after or amend the
ground lease. If Borrower acquires fee title to the Property, the leasehold and the fee title shall not merge
unless Lender agrees to the merger in writing.
10. Mortgage Insurance. If Lender required Mortgage insurance as a condition of making the Loan,
Borrower shall pay the premiums required to maintain the Mortgage Insurance in effect. If, for any reason,
the Mortgage Insurance coverage required by Lender ceases to be available from the mortgage insurer
that previously provided such Insurance and Borrower was required to nuke separately designated pay
ments toward the premiums for Mortgage Insurance, Borrower shall pay the premiums required to obtain
coverage substantially equivalent to the Mortgage Insurance previously in effect, at a cost substantially
equivalent to the cost to Borrower of the Mortgage Insurance previously In effect, from an alternate mort-
gage Insurer selected by Lender. if substantially equivalent Mortgage Insurance coverage is not avaiable,
Borrower shall continue to pay to lender the amount of the separately designated payments that were due
when the insurance coverage ceased to be in effect. Lender will accept. use and retain these payments as
a non-refundable loss reserve in lieu Of Mortgage Insurance. Such loss reserve shall be non-refundable,
notwithstanding the fact that the Loan is ultimately paid In full, and Lender shall not be required to pay Bor-
rower any interest or earnings on such loss reserve. Lender can no longer requite loss reserve payments
If Mortgage Insurance coverage (in the amount and for the period that Lender requires) provided by an
insurer selected by Lender again becomes available, is obtained, and Lender requires separately desig-
nated payments toward the premiums for Mortgage Insurance. If Lender required Mortgage Insurance as a
condition of making the Loan and Borrower was required to make separately designated payments toward
the premiums for Mortgage Insurance, Borrower shall pay the premiums required to maintain Mortgage
Insurance in effect, or to provide a non-refundable loss reserve. until Lender's requirement for Mortgage
Insurance ends in accordance with any written agreement between Borrower and Lender providing for
such termination or until termination Is required by Applicable Law. Nothing in this Section 10 affects Bor-
rower's obligation to pay interest at the rate provided in the Note.
Mortgage Insurance reimburses Lender (or any entity that purchases the Note) for certain losses it may
incur if Borrower does not repay the Loan as agreed. Borrower is not a party to the Mortgage Insurance.
Mortgage Insurers evaluate their total risk on all such insurance in force from lino to time, and may
enter into agreements with other parties that share or modify their risk, or reduce losses. These agreements
are on terms and conditions that are satisfactory to the mortgage insurer and the other party (or parties)
to these agreements. These agreements may require the mortgage insurer to make payments using any
source of funds that the mortgage insurer may have available (which may include funds obtained from
Mortgage Insurance premiums).
As a result of these agreements, Lender, any purchaser of the Note, another Insurer, any reinsurer, any
other entity, or any offliate of any of the foregoing, may receive (directly or indirectly) amounts that derive
from (or might be characterized as) a portion of Borrower's payments for Mortgage Insurance. In exchange
for sharing or modifying the mortgage Insurer's risk, Or reducing losses. If such agreement provides that
an affiliate of Lender takes a share of the insurer's risk in exchange for a share of the premiums paid to
the insurer, the arrangement is often termed *captive reinsurance.' Further:
(a) Any such agreements will not affect the amounts that Borrower has agreed to pay for
Mortgage Insurance, or any other terms of the Loan. Such agreements will not increase the amount
Borrower will owe for Mortgage Insurance, and they will not entitle Borrower to any refund.
(b) Any such agreements will not affect the rights Borrower has - if any - with respect to the
Mortgage Insurance under the Homeowners Protection Act of 1098 or any other law. These rights
may include the right to receive certain disclosures, to request and obtain cancellation of the
Mortgage Insurance, to have the Mortgage Insurance terminated automatically, and/or to receive
a refund of any Mortgage Insurance premiums that were unearned at the time of such cancellation
or termination.
11. Assignment of Miscellaneous Proceeds; Forfeiture. All Miscellaneous Proceeds are hereby
assigned to and Shall be paid to Lender.
If the Property is damaged, such Miscellaneous Proceeds shall be applied to restoration or repair of
the Property, if the restoration or repair is economically feasible and Lender's security Is not lessened.
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During such repair and restoration period. Lender shall have the right to hold such Miscellaneous Proceeds
until Lender has had an opportunity to inspect such Property to ensure the work has been completed to
Lender's satisfaction, provided that such inspection shall be undertaken promptly. Lender may pay for
the repairs and restoration in a single disbursement or in a series of progress payments as the work is
completed. Unless an agreement is made in writing or Applicable Law requires interest to be paid on such
Miscellaneous Proceeds. Lender shall not be required to pay Borrower any interest or earnings on such
Miscellaneous Proceeds. If the restoration or repair is not economically feasible or Lender's security would
be lessened, the Miscellaneous Proceeds shall be applied to the sums secured by this Security Instrument,
whether of not then due, with the excess. d any, paid to Borrower. Such Miscellaneous Proceeds shall be
applied in the order provided for in Section 2.
In the event of a total taking, destruction, or loss in value of the Property, the Miscellaneous Proceeds
shall be applied to the sums secured by this Security Instrument, whether or not then due, with the excess,
if any, paid to Borrower.
In the event of a partial taking. destnxtion,orloss invalue oftheProperty in which the fair market value
of the Property immediately before the partial taking, destruction, or loss In value is equal to or greater
than the amount of the sums segued by this Security Instrument immediately before the partial taking.
destruction, or loss in value, unless Borrower and lender otherwise agree in writing, the sums secured by
this Security Instrument shall be reduced by the amount of the Miscellaneous Proceeds multiplied by the
following fraction: (a) the total amount of the sums secured immediately before the partial taking, destruc-
tion, or loss In value divided by (b) the fair market value of the Property Immediately before the partial
taking, destruction, or loss in value. Any balance shall be paid to Borrower.
In the event of a partial taking, destruction. or loss In value of the Property in which the fair market value
of the Property Immediately before the partial taking, destruction, or loss in value is less than the amount
of the sums secured Immediately before the partial taking, destruction, or loss in value. unless Borrower
and Lender otherwise agree in writing, the Miscellaneous Proceeds shall be applied to the sums secured
by this Security Instrument whetter or not the sums are then due.
0 the Property is abandoned by Borrower, or if, after notice by Lender to Borrower that the Opposing
Party (as defined in the next sentence) offers to make an award to settle a claim for damages. Borrower
rails to respond to Lender within 30 days after the date the notice is given, lender is authorized to collect
and apply the Miscellaneous Proceeds either to restoration or repair of the Property or to the sums segued
by this Security Instrument, whether or not then due. 'Opposing Party' means the third party that owes
Borrower Miscellaneous Proceeds or the party against whom Borrower has a right of action in regard to
Miscellaneous Proceeds.
Borrower shall be in default if any action or proceeding, whether civil or criminal, is begun that. In
Lender's judgment, could result in forfeiture of the Property or other material Impairment of Lender's
interest in the Property or rights under this Security Instrument. Borrower can cure such a default and, if
acceleration has occurred, reinstate as provided In Section 19, by causing the action or proceeding to be
dismissed with a ruling that, in Lender's judgment, precludes forfeiture or the Property or Oiler material
impairment of Lender's interest in the Properly or rights under this Security Instrument. The proceeds of
any award or claim for damages that are attributable to the impairment of Lender's interest in the Property
are hereby assigned and shall be paid to Lender.
All Miscellaneous Proceeds that are not applied to restoration or repair of the Property shall be applied
in the order provided for In Section 2.
12. Borrower Not Released; Forbearance By Lender Not a Waiver. Extension of the time for pay-
ment or modification of amortization of the sums secured by this Security Instrument granted by Lender to
Borrower or any Successor in Interest of Borrower shall not operate to release the liability of Borrower or
any Successors in Interest of Borrower. Lender shall not be required to commence proceedings against any
Successor in Interest of Borrower or to refuse to extend time for payment or otherwise modify amortization
or the sums secured by this Security Instrument by reason of any demand made by the original Borrower
or any Successors in Interest of Borrower. Any forbearance by Lender In exercising any right or remedy
including, without limitation. Lender's acceptance of payments from third persons, entities or Successors
in Interest of Borrower or in amounts less than the amount then due, shall not be a waiver oA or preclude
the exercise of any right or remedy.
13. Joint and Several Liability; Co-signers; Successors and Assigns Bound. Borrower covenants
and agrees that Borrower's obligations and liability shall be joint and several. However. any Borrower
who co-signs this Security Instrument but does not execute the Note (a'co-signer^): (a) Is co-signing this
Security Instrument only to mortgage. gram and convey the co-signer's interest in the Property under the
terms of this Security Instrument; (b) is not personally obligated to pay the sums secured by this Security
Instrument; and (c) agrees that Lender and any other Borrower can agree to extend, modify, forbear or
make any accommodations with regard to the terms of this Security Instrument or the Note without the
co-signer's consent
Subject to the provisions of Section 19, any Successor in Interest of Borrower who assumes Borrower's
obligations under this Security Instrument in writing, and is approved by Lender, shall obtain all of Bor-
rower's rights and benefits under this Security Instrument. Borrower shall not be released from Borrower's
obligations and liability under this Security Instrument unless Lender agrees to such release in willing. The
covenants and agreements of this Security Instrument shall bind (except as provided in Section 20) and
benefit the successors and assigns of Lender.
14. Loan Charges. Lender may charge Borrower fees for services performed in connection with Bor-
rower's default, for the purpose of protecting Lender's interest in the Property and rights under this Security
Instrument, including, but not limited to, attorneys* fees, property inspection and valuation fees. In regard
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to any other fees, the absence of express authority in this Security Instrument to charge a specific fee to
Borrower shall not be construed as a prohibition on the charging of such fee. Lender may not charge fees
that are expressly prohibited by this Security Instrument or by Applicable Law.
If the Loan is subject to a law which sets maximum loan charges, and that law is finally interpreted
so that the interest or other loan charges collected or to be collected in connection with the Loan exceed
die permitted limits, then: (a) any such loan charge shall be reduced by the amount necessary to reduce
the charge to the permitted limit; and (b) any sums already collected from Borrower which exceeded
permitted limits will be refunded to Borrower. Lender may choose to make this refund by reducing the
principal owed under the Note or by making a direct payment to Borrower. If a refund reduces principal,
the reduction will be treated as a partial prepayment without any prepayment charge (whether or not a
prepayment charge is provided for under the Note). Borrower's acceptance of any such refund made by
direct payment to Borrower will constitute a waiver of any right of action Borrower might have arising out
of such overcharge.
ill. Notices. All notices given by Borrower or Lender In connection with this Security Instrument must
be in writing. Any notice to Borrower in connection with this Security Instrument shall be deemed to have
been given to Borrower when mailed by first class mail or when actually delivered to Borrower's notice
address 9 sent by other means. Notice to any one Borrower shall constitute notice to all Borrowers unless
Applicable Law expressly requlres otherwise. The notice address shall be the Property Address unless
Borrower has designated a substitute notice address by notice to Lender. Borrower shall promptly notify
Lender of Borrower's change of address. If Lender specifies a procedure for reporting Borrower's change
of address, then Borrower shall only report a change of address through that specified procedure. There
may be only one designated notice address under this Security Instrument at any one time. Any notice to
Lender shall be given by delivering It or by mailing It by first class mail to Lender's address stated herein
unless Lender has designated another address by notice to Borrower. Any notice in connection with this
Security Instrument shall not be deemed to have been given to Lender until actually received by lender. If
any notice required by this Security Instrument is also required under Applicable law, the Applicable Law
requirement will satisfy the corresponding requirement under this Security Instrument.
16. Governing Law; Severability; Rules ofConstruction.This Security Instrument shall be governed
by federal law and the law of the jurisdiction in which the Property Is located. All rights and obligations
contained in this Security Instrument are subject to any requirements and limitations of Applicable Law.
Applicable Law might explicitly or implicitly allow the parties to agree by contract or it might be sikxn. but
such silence shall no! be construed as a prohibition against agreement by contract. In the event that any
provision or clause of this Security Instrument or the Note conflicts with Applicable Law, such conflict shall
not affect other provisions of this Security Instrument or the Note which can be given effect without the
conflicting provision.
As used In this Security Instrument: (a) words of the masculine gender shall mean and include
corresponding neuter words or words of the ferninine gender: (b) words in the singular shall mean and
include the plural and vice versa; and (c) the word 'may' gives sole discretion without any obligation to
take any action.
17, Borrower's Copy. Borrower shall be given one copy of the Note and of this Security Instrument
18. Transfer of the Property or a Beneficial Interest In Borrower. As used In this Section 18. 'Inter-
est In the Properly" means any legal or beneficial Interest in the Property, Including, but not limited to, those
beneficial interests transferred in a bond for deed, contract for deed, Installment sales contract or escrow
agreement, the intent of which is the transfer of tide by Borroa.wr at a future date to a purchaser.
If all rx any pan of the Propertyor any Interestin the Property Is sold or transferred (or if Borrower is not
a natural person and a beneficial interest in Borrower is sold or transferred) without Lender's prior written
consent, Lender may require immediate payment in full of all sums secured by this Security Instrument.
However• this option shall not be exercised by Lender if such exercise is prohibited by Applicable Law.
If Lender exercises INS option, Lender shall give Borrower notice of acceleration. The notice shall
provide a period of not less than 30 days from the date the notice is given in accordance with Section 15
vnlhin which Borrower must pay all sums secured by this Security instrument. If Borrower fails to pay these
sums prior to the expiration of this period, Lender may invoke any remedies permitted by this Security
Instrument without further notice or demand on Borrower.
19. Borrower's Right to Reinstate After Acceleration. If Borrower meets certain conditions, Bor-
rower sha0 have the right to have enforcement of this Security Instrument discontinued at any time prior
to the earliest of: (a) five days before sale of the Property pursuant to any power of sale contained In this
Security Instrument: (b) such other period as Applicable Law might specityfor the termination of Borrower's
right to reinstate; or (c) entry of a judgment enforcing this Security Instrument. Those conditions are that
Borrower: (a) pays Lender all sums which then would be due under this Security Instrument and the
Note as if no acceleration had occurred: (b) cures any default of any other covenants or agreements; (c)
pays all expenses incurred in enforcing this Security Instrument including, but not limited to, reasonable
atiomeys' fees, property inspection and valuation fees. and other fees Incurred for the purpose of protect-
ing Lender's interest in the Property and rights under this Security Instrument: and (d) takes such aUion
as Lender may reasonably require to assure that Lender's interest In the Property and rights under this
Security Instrument, and Borrower's obligation to pay the sums secured by this Security Instrument. shall
continue unchanged. Lender may require that Borrower pay such reinstatement sums and expenses in
one or more of the following forms, as selected by Lender: (a) cash; (b) money order; (c) certified check,
bank check, treasurer's check or cashier's check, provided any such check is drawn upon an Institution
whose deposits are insured by a federal agency, Instrumentality or entity; or (d) Electronic Funds Transfer.
Upon reinstatement by Borrower, this Security Instrument and obligations secured hereby shall remain
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fully effective as 9 no acceleration had occurred. However, this right to reinstate shall not apply in the case
of acceleration under Section 18.
20. Salo of Note; Change of Loan Servicer; Notice of Grievance. The Note or a partial interest
in the Note (together with this Security Instrument) can be sold one or more times without prior notice to
Borrower. Asele might result in a change in the entity (known as the'Loan Servicer) that collects Periodic
Payments due under the Note and this Security Instrument and performs other mongage loan servicing
obligations under the Note, this Security Instrument. and Applicable Law. There also might be one or more
changes of the Loan Servicer unrelated to a sale of the Note. If there is a change of the Loan Servicer,
Borrower will be given written notice of the change which will state the name and address of the new Loan
Servicer, the address to which payments should be made and any other information RESPA requires in
connection wiih a notice of transfer of servicing. It the Note is sold and thereafter the Loan is serviced by
a Loan Servicer other than the purchaser of the Note, the mortgage loan servicing obligations to Borrower
will remain with the Loan Servicer or be transferred to a successor Loan Servicer and are not assumed
by the Note purchaser unless otherwise provided by the Note purchaser.
Neither Borrower nor Lender may commence, join, or be joined to anyjudicial action (as either an indi-
vidual litigant or the member of a class) that arises from the other partys actions pursuant to this Security
Instrument or that alleges that the other party has breached any provision of, or any duty owed by reason
of, this Security Instrument, until such Borrower or Lender has notified the other party (with such notice
given in compliance with the requirements of Section 15) of such alleged breach and afforded the other
party hereto a reasonable period after the giving of such notice to take corrective action. It Applicable
Law provides a time period which must elapse before certain action can be taken, that time period will be
deemed to be reasonable for purposes of this paragraph. The notice of acceleration and opportunity to
cure given to Borrower pursuant to Section 22 and the notice of acceleration given to Borrower pursuant
to Section 18 shall be deemed to satisfy the notice and opportunity to take corrective action provisions of
this Section 20,
21. Hazardous Substances. As used in this Section 21: (a) "Hazardous Substances" are those
substances defined as toxic or hazardous substances, pollutants, or wastes by Environmental Law and
the following substances: gasoline, kerosene, other flammable or toxic petroleum products, toxic pesh-
cides and herbicides, volatile solvents, materials containing asbestos or formaldehyde, and radioactive
materials: (b) 'Environmental Law' means federal laws and laws of the jurisdiction where the Property
is located that relate to health, safely or environmental protection; (c)'Envkonmeni al Cleanup' Includes
any response action, remedial action, or removal action, as defined in Environmental Law; and (d) an
'Environmental Condition' means a condition that can cause, contribute to. of otherwise trigger an
Environmental Cleanup.
Borrower shall not cause or permit the presence, use, disposal, storage, or release of any Hazardous
Substances, or "eaten to release any Hazardous Substances, on or In the Property. Borrower shall not
do, nor allow anyone else to do, anything affecting the Property (a) that Is in violation of any Environmental
Law, (b) which creates an Environmental Condition, or (c) which, due to the presence, use, or release of
a Hazardous Substance, creates a condition that adversely affects the value of the Property. The preced.
ing two sentences shall not apply to the presence, use, or storage on the Propery of small quantities of
Hazardous Substances that are generally recognized to be appropriate to normal residential uses and to
maintenance of the Property (including, but not limited to. hazardous substances In consumer products).
Borrower shall promptly give Lender written notice of (a) any investigation, claim, demand, lawsuit
or other action by any governmental or regulatory agency or private party involving the Property and any
Hazardous Substance or Environmental Law of which Borrower has actual knowledge, (b) any Environ-
mental Condition, Including but not limited to, arty spiting, leaking, discharge, release or threat of release
of any Hazardous Substance. and (c) any condition caused by the presentee, use or release of a Hazard-
ous Substance which adversely affects the value of the Properly. If Borrower learns, or is notified by any
governmental or regulatory authority. or any private parry, that any removal or other remedlation of any
Hazardous Substance affecting the Property is necessary. Borrower shall promptly take all necessary
remedial actions In accordance with Environmental Law. Nothing herein shall create any obligation on
Lender for an Environmental Cleanup.
NON -UNIFORM COVENANTS. Borrower and Lender further covenant and agree as follows:
22. Acceleration; Remedies. Lender shall give notice to Borrower prior to acceleration follow-
ing Borrower's breach of any covenant or agreement in this Security Instrument (but not prior to
acceleration under Section 18 unless Applicable Law provides otherwise). The notice shall specify:
(a) the default; (b) the action required to cure the default; (c) a date, not less than 30 days from
the date the notice is given to Borrower, by which the default must be cured; and (d) that failure to
cure the default on or before the date specified In the notice may result In acceleration of the sums
secured by this Security Instrument and sale of the Property at public auction at a date not less
than 120 days in the future. The notice shall further Inform Borrower of the right to reinstate after
acceleration, the right to bring a court action to assert the non-existence of a default or any other
defense of Borrower to acceleration and sale, and any other matters required to be included in the
notice by Applicable Law. If the default Is not cured on or before the date specified In the notice,
Lender at Its option, may require immediate payment in full of all sums secured by this Security
Instrument without further demand and may Invoke the power of sale and/or any other remedies
permitted by Applicable Law. Lender shall be entitled to collect all expenses incurred in pursuing
the remedies provided in this Section 22, including, but not limited to, reasonable attorneys' fees
and costs of title evidence.
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If Lender Invokes the power of safe, Lender shall give written notice to Trustee of the occur-
rence of an event of default and of Lender's election to cause the Property to be sold. Trustee and
Lender shall take such action regarding notice of sale and shall give such notices to Borrower and
to other persons as Applicable Law may require. After the time required by Applicable Law and
after publication of the notice of sale, Trustee, without demand on Borrower, shall sell the Property
at public auction to the highest bidder at the time and place and under the terms designated in the
notice of sale in one or more parcels and in any order Trustee determines. Trustee may postpone
safe of the Property for a period or periods permitted by Applicable Law by public announcement
at the time and place fixed In the notice of sale. Lender or its designee may purchase the Property
at any sale.
Trustee shall deliver to the purchaser Trustee's deed conveying the Property without any
covenant or warranty, expressed or Implied. The recitals in the Trustee's deed shall be prima facie
evidence of the truth of the statements made therein. Trustee shall apply the proceeds of the sale In
the following order: (a) to all expenses of the sale, including, but not Iimitod to, reasonable Trustee's
and attorneys' fees; (b) to all sums secured by this Security Instrument; and (c) any excess to the
person or persons legally entitled to it or to the clerk of the superior court of the county In which
the sale took place.
23. Reconvoyance. Upon payment of all sums Secured by this Security InWument, Lender shall
request Trustee to reconvey the Property and Shall surrender this Security Instrument and all notes evi-
dencing debt secured by this Security Instrument to Trustee. Trustee shall reconvey the Property without
warranty to the person or persons legally entitled to it Such person or persons shall pay any recordation
costs and the Trustee's fee for preparing the reconveyerlce.
24. Substitute Trustee. In accordance with Applicable Law, Lender may from time to time appoint
a successor trustee to any Trustee appointed hereunder who has ceased to act. Without conveyance of
the Property, the successor trustee shall succeed to all the title. power and duties conferred upon Trustee
herein and by Applicable Law
26. Use of Property. The Property is not used principally for agricueural purposes.
26. Attorneys' Fees. Lender shall be entitled to recover its reasonable attorneys' fees and costs in
any action or proceeding to construe or enforce any term of this Security Instrument. The term -attorneys!
fees; whenever used in this Security Instrument, shall include without limitation attorneys' fees incurred
by Lender In any bankruptcy proceeding or on appeal.
ORAL AGREEMENTS OR ORAL COMMITMENTS TO LOAN MONEY, EXTEND CREDIT, OR
TO'FORBEAR FROM ENFORCING REPAYMENT OF A DEBT ARE NOT ENFORCEABLE
UNDER WASHINGTON LAW.
BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this
Security Instrument and in any der executed by Borrower and recorded with it.
�� n \v'� • / a Y (See
STATE OF u.%J� COUNTY OFvY-�kZ`4411 Dili:
On this day personally appeared before me RICHARD WICHERS JR to me known to be the
Individual partylparties described In and who executed lAn,withln and foregoing Instrument,
and acknowledged thatli(s)leflhey signed the same a his er/their free and voluntary act and
deed, for the uses and parobses therein mentioned.
GIVEN under my hand and official seal this 24th day of JANUARY, 2017.
Notary Public In and for the Slate of
_�.� ��tl1S grirr Washington, residing at
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WASHINGTON••Single Family.-FanNe Mae/Freddie Mae UNIFOni INSTRUMENT Form 30481101
EI:W Mao. Inc. Page 10 of 11 WAEDEED 0315
WAEDEED(CLS)
011241201T 09:15 AM PST
201701250416.011
LOAN A: 1161180090
Under. FBC Mortgage, LLC
NMLS ID:152869
Loan Originator. Dee Smith
NMLS ID: 93526
WASHINGTON-Single Famlty-Fenno Maelfreddle µu UNIFORM INSTRUMENT Form 30491/01
Ow Mao, lac. Page 11 of 11 WAEDEED 0315
WAEDEED (CLS)
01/24/2017 09:15 AM PST
f' • }��i'9W'
201701250416.012
EXHIBIT A
LEGAL DESCRIPTION: Real property in the County of Snohomish, State of Washington,
described as follows:
THE EAST 104 FEET OF THE WESTERLY 249 FEET OF THE SOUTH HALF OF THE SOUTH
HALF OF THE NORTHWEST QUARTER OF THE SOUTHEAST QUARTER OF THE
SOUTHEAST QUARTER OF SECTION 18, TOWNSHIP 27 NORTH, RANGE 4 EAST, W.M.,
IN SNOHOMISH COUNTY, WASHINGTON, EXCEPT THE SOUTH 85 FEET THEREOF;
TOGETHER WITH THAT PORTION OF THE SOUTH HALF OF THE SOUTH HALF OF THE
NORTHWEST QUARTER OF THE SOUTHEAST QUARTER OF THE SOUTHEAST QUARTER
OF SECTION 18, TOWNSHIP 27 NORTH, RANGE 4 EAST, W.M., DESCRIBED AS
FOLLOWS:
COMMENCING AT THE SOUTHWEST CORNER OF THE ABOVE SAID SUBDIVISION;
THENCE SOUTH 89006'02" EAST ALONG THE SOUTH LINE OF SAID SUBDIVISION 127
FEET TO THE TRUE POINT OF BEGINNING OF THE TRACT OF LAND HEREIN
DESCRIBED;
THENCE CONTINUING SOUTH 89006*02" EAST 122 FEET;
THENCE NORTH 0045'50" EAST PARALLEL WITH THE WEST LINE OF THE ABOVE SAID
SUBDIVISION 85 FEET,
THENCE NORTH 89006'02" WEST 104 FEET;
THENCE SOUTH 62000'48" WEST 20.53 FEET;
THENCE SOUTH 0945'50" WEST 75.08 FEET TO THE TRUE POINT OF BEGINNING.
ALSO TOGETHER WITH THAT PORTION OF THE SOUTH HALF OF THE SOUTH HALF OF
THE NORTHWEST QUARTER OF THE SOUTHEAST QUARTER OF THE SOUTHEAST
QUARTER, OF SECTION 18, TOWNSHIP 27 NORTH, RANGE 4 EAST, W.M., DESCRIBED
AS FOLLOWS:
COMMENCING AT THE SOUTHWEST CORNER OF THE ABOVE DESCRIBED SAID
SUBDMSION;
THENCE NORTH 0045'50" EAST ALONG THE WEST LINE OF THE ABOVE SAID
SUBDIVISION 7S.03 FEET TO THE TRUE POINT OF BEGINNING OF THE TRACT OF LAND
HEREIN DESCRIBED;
THENCE CONTINUING NORTH 0045*50" EAST 20 FEET;
THENCE SOUTH 89007'25" EAST 107 FEET TO THE POINT OF A CURVE TO THE LEFT
HAVING A RADIUS OF 77.73 FEET;
THENCE EASTERLY ALONG THE ARC OF A CURVE TO THE LEFT AND CONSUMING A
CENTRAL ANGLE OF 29014'54" AN ARC DISTANCE OF 39.68 FEET;
THENCE SOUTH 0045'50" WEST 20 FEET;
THENCE SOUTH 62000'48" WEST 20.53 FEET,
THENCE NORTH 89007'25" WEST 127 FEET TO THE TRUE POINT OF BEGINNING.
EXCEPT THE WEST 20 FEET THEREOF IN SNOHOMISH COUNTY, WASHINGTON.
Tax Parcel ID No. 270418-004-03540L1 •
201701250416 013
LOAN #: 1161160090
MIN: 100459"000496072-2
MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC. RIDER
(MERS Rider)
THIS MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC. RIDER
("MERS Rider") is made this 24th day of January, 2017, and is
incorporated into and amends and supplements the Deed of Trust (the "Security
Instrument") of the same date given by the undersigned (the "Borrower," whether there
are one or more persons undersigned) to secure Borrower's Note to
FBC Mortgage, LLC, a Limited Liability Company
("Lender') of the same date and covering the Property described In the Security
Instrument, which is located at:
19326 80th Ave W, Edmonds, WA 98026.
In addition to the covenants and agreements made in the Security Instrument, Borrower
and Lender further covenant and agree that the Security Instrument is amended as
follows:
A. DEFINITIONS
1. The Definitions section of the Security Instrument is amended as follows:
"Lender" is FBC Mortgage, LLC.
Lender is a Limited Liability Company organized and existing
under the laws of Florida. Lender's address is
189 S. Orange Avenue, Suite 970, Orlando, FL 32801.
Lender is the beneficiary under this Security Instrument. The term "Lender" includes
any successors and assigns of Lender.
"MERS" is Mortgage Electronic Registration Systems. Inc. MERS is a separate
corporation that is the Nominee for Lender and -is acting solely for Lender. MERS is
organized and existing under the laws of Delaware, and has an address and telephone
number of P.O. Box 2026. Flint, MI 48501.2026, tel. (888) 679•MERS. MERS is
appointed as the Nominee for Lender to exercise the rights, duties and obligations of
Lender as Lender may from time to time direct, including but not limited to appointing a
successor trustee, assigning, or releasing, in whole or In part this Security Instrument,
foreclosing or directing Trustee to institute foreclosure of this Security Instrument,
or taking such other actions as Lender may deem necessary or appropriate under
this Security Instrument. The term "MERS' Includes any successors and assigns of
MERS. This appointrnent shall inure to and bind MERS, its successors and assigns,
as well as Lender, until MERS' Nominee interest is terminated.
2. The Definitions section of the Security Instrument is further amended to add
the following definition:
"Nominee" means one designated to act for another as its representative for
a limited purpose,
MERS RIDER- Single Farro7y - Fannie Mm Freddle Mae UNIFORM INSTRUMENT
Form 3155 0412014
Elie Mae, Inc, Page 1 of 4 F315ORDU 1014
F3168RLU 4OLS)
0112412017 09:15 AM PST
201701250416 014
LOAN #: 1161160090
B. TRANSFER OF RIGHTS IN THE PROPERTY
The Transfer of Rights in the Property section of the Security Instrument is
amended to read as follows:
This Security Instrument secures to Lender: (I) the repayment of the Loan, and
all renewals, extensions and modifications of the Note; and (iil) the performance of
Borrower's covenants and agreernents under this Security Instrument and the Note.
For this purpose, Borrower irrevocably grants and conveys to Trustee, in trust, with
power or safe, the following described property located in the
County jT pe of Recording Jurisdiction) of
Snohomish (Nyime of Recording Jurisdiction]:
SEE LEGAL DESCRIPTION ATTACHED HERETO AND MADE A PART HEREOF
AS "EXHIBIT A".
APN #: 27041800403500
which currently has the address of 19325 80th Ave W, Edmonds,
WA 98026 ("Property Address': [Street][City]
[State] [Zip Code]
TOGETHER WITH all the improvements now or hereafter erected on the
property, and all easements, appurtenances, and fixtures now or hereafter a part of
tite property. All replacements and additions shall also be covered by this Security
Instrument. All of the foregoing is referred to in this Security Instrument as the
"Property."
Lender, as the beneficiary under this Security Instrument, designates MERS
as the Nominee for Lender. Any notice required by Applicable Law or this Security
Instrument to be served on Lender must be served on MERS as the designated
Nominee for Lender. Borrower understands and agrees that MERS, as the designated
Nominee for Lender, has the right to exercise any or all Interests granted by Borrower
to Lender, including, but not limited to, the right to foreclose and sell the Property;
and to take any action required of Lender including, but not limited to, assigning and
releasing this Security Instrument, and substituting a successor trustee.
C. NOTICES
Section 15 of the Security Instrument Is amended to read as follows:
15.Notices. All notices given by Borrower or Lender in connection with this
Security Instrument must be in writing. Any notice to Borrower in connection with this
Security Instrument shall be deemed to have been given to Borrower when mailed
by first Gass mall or when actually delivered to Borrower's notice address if sent
by other means. Notice to any one Borrower shall constitute notice to all Borrowers
unless Applicable Law expressly requires otherwise. The notice address shall be
the Property Address unless Borrower has designated a substitute notice address
MERS RIDER - Single Femlly - Fannie MeafFroddle Mac UNIFORM INSTRUMENT
Form 3156 0412014
We Mae, Inc. Page 2 of 4 F3156RDU 1014
F3158RLU(CLS)
01/2412017 09:15 AM PST
201701250416.015
LOAN #: 1161160090
by notice to Lender. Borrower shall promptly notify Lender of Borrower's change of
address. If Lender specifies a procedure for reporting Borrower's thane of address,
then Borrower shall only report a change of address through that specified procedure.
There may be only one designated notice address under this Security Instrument at
any one time. Any notice to Lender shall be given by delivering it or by mailing it by first
class rnail to Lender's address stated herein unless Lender has designated another
address by notice to Borrower. Borrower acknowledges that any notice Borrower
provides to Lender must also be provided to MERS as Nominee for Lender until
MERS' Nominee interest is terminated. Any notice provided by Borrower in connection
with this Security Instrument will not be deemed to have been given to MERS until
actually received by MERS. Any notice in connection with this Security Instrument
shall not be deemed to have been given to Lender until actually received by Lender. If
any notice required by this Security Instrument is also required under Applicable Law,
the Applicable Law requirement will satisfy the corresponding requirement under this
Security Instrument.
D. SALE OF NOTE; CHANGE OF LOAN SERVICER; NOTICE OF GRIEVANCE
Section 20 of the Security Instrument is amended to read as follows:
20.Sale of Note; Change of Loan Servicer; Notice of Grievance. The Note
or a partial interest in the Note (together with this Security Instrument) can be sold
one or more times without prior notice to Borrower. Lender acknowledges that until it
directs MERS to assign MERS's Nominee interest in this Security Instrument, MERS
remains the Nominee for Lender, with the authority to exercise the rights of Lender. A
sale might result in a change in the entity (known as the "Loan Servicer") that collects
Periodic Payments due under the Note and this Security Instrument and performs
other mortgage loan servicing obligations under the Note, this Security Instrument,
and Applicabre Law. There also might be one or more changes of the Loan Servicer
unrelated to a sale of the Note. If there is a change of the Loan Servicer, Borrower
will be given written notice of the change which will state the name and address of
the new Loan Servicer, the address to which payments should be made and any
other information RESPA requires in connection with a notice of transfer of servicing.
If the Note is sold and thereafter the Loan is serviced by a Loan Servicer other
than the purchaser of the Note, the mortgage loan servicing obligations to Borrower
will remain with the Loan Servicer or be transferred to a successor Loan Servicer
and are not assumed by the Note purchaser unless otherwise provided by the Note
purchaser.
Neither Borrower nor Lender may commence, join, or be joined to any judicial
action (as either an individual litigant or the member of a class) that arises from the
other parry's actions pursuant to this Security Instrument or that alleges that the other
party has breached any provision of, or any duty owed by reason of, this Security
Instrument, until such Borrower or Lender has notified the other party, (with such notice
given In compliance with the requirements of Section 15) of such alleged breach and
afforded the other party hereto a reasonable period after the giving of such notice to
take corrective action. If Applicable Law provides a time period which must elapse
before certain action can be taken, that time period will be deemed to be reasonable
for purposes of this paragraph. The notice of acceleration and opportunity to cure given
to borrower pursuant to Section 22 and the notice of acceleration given to Borrower
pursuant to Section 18 shall be deemed to satisfy the notice and opportunity to take
corrective action provisions of this Section 20.
E. SUBSTITUTE TRUSTEE
Section 24 of the Security Instrument is amended to read as follows:
24.Substitute Trustee. In accordance with Applicable Law, Lender or MERS
may from time to time appoint a successor trustee to any Trustee appointed hereunder
who has ceased to act. Without conveyance of the Property, the successor trustee
MERS RIDER- Single Femlly- Fannie WeIrreddie Mee UNIFORM INSTRUMENT
Form 3155 W2014
Elie Mae. lot. Page 3 of 4 F315BROU 1014
F315ORLU(CLS)
01/24/2017 00:15 AM PST
201701250416.016
LOAN #: 1161160090
shall succeed to all the title, power and duties conferred upon Trustee herein and by
Applicable Law.- .
BY SIGNING BELOW. Borrower accepts and agrees to the terms and covenants
contained in this M E R S R er.
RICHARD WICHERS JR DATE
MERS RIDER - Single Family - Fannie Moe/Freddie Mac UNIFORM INSTRUMENT
Form 315504/2014
Ellie Mae, Mr. Page 4 of 4 F315BROU 1014
F3165RLU(CLS)
01/2412017 09:15 AM PST
201701250416.017
EXHIBIT A
LEGAL DESCRIPTION: Real property in the County of Snohomish, State of Washington,
described as follows;
THE EAST 104 FEET OF THE WESTERLY 249 FEET OF THE SOUTH HALF OF THE SOUTH
HALF OF THE NORTHWEST QUARTER OF THE SOUTHEAST QUARTER OF THE
SOUTHEAST QUARTER OF SECTION 18, TOWNSHIP 27 NORTH, RANGE 4 EAST, W.M.,
IN SNOHOMISH COUNTY, WASHINGTON, EXCEPT THE SOUTH 85 FEET THEREOF;
TOGETHER WITH THAT PORTION OF THE SOUTH HALF OF THE SOUTH HALF OF THE
NORTHWEST QUARTER OF THE SOUTHEAST QUARTER OF THE SOUTHEAST QUARTER
OF SECTION 18, TOWNSHIP 27 NORTH, RANGE 4 EAST, W.M., DESCRIBED AS
FOLLOWS:
COMMENCING AT THE SOUTHWEST CORNER OF THE ABOVE SAID SUBDIVISION;
THENCE SOUTH 89°06'02" EAST ALONG THE SOUTH LINE OF SAID SUBDIVISION 127
FEET TO THE TRUE POINT OF BEGINNING OF THE TRACT OF LAND HEREIN
DESCRIBED;
THENCE CONTINUING SOUTH 89006'02" EAST 122 FEET,
THENCE NORTH 0045'50" EAST PARALLEL WITH THE WEST LINE OF THE ABOVE SAID
SUBDIVISION 85 FEET;
THENCE NORTH 89°06'02" WEST 104 FEET;
THENCE SOUTH 62000'48" WEST 20.53 FEET;
THENCE SOUTH 0045'50" WEST 75.08 FEET TO THE TRUE POINT OF BEGINNING.
ALSO TOGETHER WITH THAT PORTION OF THE SOUTH HALF OF THE SOUTH HALF OF
THE NORTHWEST QUARTER OF THE SOUTHEAST QUARTER OF THE SOUTHEAST
QUARTER, OF SECTION 18, TOWNSHIP 27 NORTH, RANGE 4 EAST, W.M., DESCRIBED
AS FOLLOWS:
COMMENCING AT THE SOUTHWEST CORNER OF THE ABOVE DESCRIBED SAID
SUBDIVISION;
THENCE NORTH 0045*50" EAST ALONG THE WEST LINE OF THE ABOVE SAID
SUBDIVISION 75.03 FEET TO THE TRUE POINT OF BEGINNING OF THE TRACT OF LAND
HEREIN DESCRIBED;
THENCE CONTINUING NORTH 0045'50" EAST 20 FEET;
THENCE SOUTH $9007'25" EAST 107 FEET TO THE POINT OF A CURVE TO THE LEFT
HAVING A RADIUS OF 77.73 FEET,
THENCE EASTERLY ALONG THE ARC OF A CURVE TO THE LEFT AND CONSUMING A
CENTRAL ANGLE OF 29014'54" AN ARC DISTANCE OF 39.68 FEET;
THENCE SOUTH 004510" WEST 20 FEET;
THENCE SOUTH 62000'48" WEST 20.53 FEET;
THENCE NORTH 89007'25" WEST 127 FEET TO THE TRUE POINT OF BEGINNING.
EXCEPT THE WEST 20 FEET THEREOF N SNOHOMISH COUNTY, WASHINGTON.
Tax Parcel ID No. 270418-004-035.00�
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AFTER RECORDING MAIL TO:
Richard Withers, Jr.
19325 80th Avenue W
Edmonds, WA 98026
201701250415.001
ELECTRONICALLY RECORDED
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SNOHOMISH COUNTY, WASHINGTON
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Filed for Record at Request oP sp" dbme Nrr AV (Or RKofd s "k' OM/
First American Tide Insurance Company FIRST AMERICAN.L-e 11 k4 03
STATUTORY WARRANTY DEED
File No: 4222-2671493 (DH) Date: January 23, 2017
Grantor(s): Joshua M. Keller and Stephanie L Keller
Grantee(s): Richard Wichers, Jr.
Abbreviated Legal: PTN SEC 18 TWP 27N RGE 4E NW QTR SE QTR SE QTR, SNOHOMISH
COUNTY
Additional Legal on page: First American Title
Assessor's Tax Parcel No(s): 270418-004-035-00
THE GRANTOR(S) Joshua M. Keller and Stephanie L. Keller, husband and wife for and in
consideration of Ten Dollars and other Good,and Valuable Consideration, in hand paid,
conveys, and warrants to Richard Wichers, Jr., an unmarried man, the following described
real estate, situated in the County of Snohomish, State of Washington.
LEGAL DESCRIPTION: Real property in the County of Snohomish, State of Washington,
described as follows:
THE EAST 104 FEET OF THE WESTERLY 249 FEET OF THE SOUTH HALF OF THE SOUTH
HALF OF THE NORTHWEST QUARTER OF THE SOUTHEAST QUARTER OF THE
SOUTHEAST QUARTER OF SECTION 18, TOWNSHIP 27 NORTH, RANGE 4 EAST, W.M.,
IN SNOHOMISH COUNTY, WASHINGTON, EXCEPT THE SOUTH 85 FEET THEREOF;
TOGETHER WITH THAT PORTION OF THE SOUTH HALF OF THE SOUTH HALF OF THE
NORTHWEST QUARTER OF THE SOUTHEAST QUARTER OF THE SOUTHEAST QUARTER
OF SECTION 18, TOWNSHIP 27 NORTH, RANGE 4 EAST, W.M., DESCRIBED AS
FOLLOWS:
COMMENCING AT THE SOUTHWEST CORNER OF THE ABOVE SAID SUBDIVISION;
THENCE SOUTH 89006'02" EAST ALONG THE SOUTH LINE OF SAID SUBDMSION 127
FEET TO THE TRUE POINT OF BEGINNING OF THE TRACT OF LAND HEREIN
DESCRIBED;
THENCE CONTINUING SOUTH 89006'02" EAST 122 FEET,'
Page 1 of 3 LPB 10-05
201701250415.002
APN; 270418-004-035-00 Statutory Warranty Deed File No.: 4222-2671493 (DN)
- continued
THENCE NORTH 0045'50" EAST PARALLEL WITH THE WEST LINE OF THE ABOVE SAID
SUBDIVISION 85 FEET;
THENCE NORTH 89006'02" WEST 104 FEET;
THENCE SOUTH 62000'48" WEST 20.53 FEET, -
THENCE SOUTH 0045'50" WEST 75.08 FEET TO THE TRUE POINT OF BEGINNING.
ALSO TOGETHER WITH THAT PORTION OF THE SOUTH HALF OF THE SOUTH HALF OF
THE NORTHWEST QUARTER OF THE SOUTHEAST QUARTER OF THE SOUTHEAST
QUARTER, OF SECTION 18, TOWNSHIP 27 NORTH, RANGE 4 EAST, W.M., DESCRIBED
AS FOLLOWS:
COMMENCING AT THE SOUTHWEST CORNER OF THE ABOVE DESCRIBED SAID
SUBDIVISION;
THENCE NORTH 0045'50" EAST ALONG THE WEST LINE OF THE ABOVE SAID
SUBDIVISION 75.03 FEET TO THE TRUE POINT OF BEGINNING OF THE TRACT OF LAND
HEREIN DESCRIBED;
THENCE CONTINUING NORTH 0045'50" EAST 20 FEET;
THENCE SOUTH 89007'25" EAST 107 FEET TO THE POINT OF A CURVE TO THE LEFT
HAVING A RADIUS OF 77.73 FEET;
THENCE EASTERLY ALONG THE ARC OF A CURVE TO THE LEFT AND CONSUMING A
CENTRAL ANGLE OF 29014'54" AN ARC DISTANCE OF 39.68 FEET;
THENCE SOUTH 0045'50" WEST 20 FEET;
THENCE SOUTH 62000'48" WEST 20.53 FEET;
THENCE NORTH 89007'25" WEST 127 FEET TO THE TRUE POINT OF BEGINNING.
EXCEPT THE WEST 20 FEET THEREOF IN SNOHOMISH COUNTY, WASHINGTON.
Subject To: This conveyance is subject to covenants, oonditions, restrictions and easements, if
any, affecting title, which may appear in the public record, including those shown on any recorded
plat or survey.
Page 2 of 3 LPS 10-05