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To: Re ` First American FirstAlmerican Tit/e Insurance Company 2707 Colby Ave, Ste 601 Everett, WA 98201 Phn - (425)551-4821 (800)532-2110 Fax-(866)859-0429 ESCROW COMPANY INFORMATION: Escrow Officer/Closer: DIANE HART dihart@firstam.com First American Title Insurance Company 19401 40th Ave W, Ste 210, Lynnwood, WA 98036-5600 Phone: (425)744-4574 - Fax: (866)387-4961 Title Team Three (Snohomish) Team email: snotitleteam@firstam.com Fax No. (866) 859-0429 Paula Luxmore Natalie Geyer 7ami Higbee (425) 551-4821 (425)-551-2015 (425) 551-4825 Seller Directed Attn: File No. Customer Reference: Property Address: 749 15th Way SW, Edmonds, WA 98020 4222-2912192 749 15th Way SW, Edmonds, WA 98020 r r: COMMITMENT FOR TITLE INSURANCE Issued by FIRSTAMERICAN TITLE INSURANCE COMPANY Agreement to Issue Policy We agree to issue a policy to you according to the terms of this Commitment. When we show the policy amount and your name as the proposed insured in Schedule A, this Commitment becomes effective as of the Commitment Date shown in Schedule A. If the Requirements shown in this Commitment have not been met within six months after the Commitment Date, our obligation under this Commitment will end. Also, our obligation under this Commitment will end when the Policy is issued and then our obligation to you will be under the Policy. Our obligation under this Commitment is limited by the following: The Provisions in Schedule A. The Requirements in Schedule B-I. The General Exceptions and Exceptions in Schedule B-II. The Conditions. This Commitment is not valid without Schedule A and Section I and II of Schedule B. First American Title Form No. 1068-2 ALTA Plain Language Commitment Commitment No.: 4222-2912192 Page 2 of 10 FirstA lmerican Title Insurance Company Paula Luxmore, Title Officer FirstAmedcan Title Form No. 1068-2 ALTA Plain Language Commitment Commitment No.: 4222-2912192 Page 3 of 10 SCHEDULE A 1. Commitment Date: July 19, 2017 at 7:30 A.M. 2. Policy or Policies to be issued: AMOUNT PREMIUM TAX Basic Rate Standard Owner's Policy $ 620,000.00 $ 1,770.00 $ 171.69 Proposed Insured: T.L. Properties, LLC, a limited liability company and/or assigns Purchase Money Loan Rate ALTA Extended Loan Policy $ To Follow $ To Follow $ To Follow Proposed Insured: To Follow 3. (A) The estate or interest in the land described in this Commitment is: Fee Simple (B) Title to said estate or interest at the date hereof is vested in: RONALD WAYNE MOORE, AS HIS SOLE AND SEPARATE PROPERTY 4. The land referred to in this Commitment is described as follows: Real property in the County of Snohomish, State of Washington, described as follows: The land referred to in this report is described in Exhibit A attached hereto. First American T7ie Form No. 1068-2 ALTA Plain Language Commitment Commitment No.: 4222-2912292 Page 4of10 SCHEDULE B SECTION I REQUIREMENTS The following requirements must be met: (A) Pay the agreed amounts for the interest in the land and/or the mortgage to be insured. (B) Pay us the premiums, fees and charges for the policy. (C) Documents satisfactory to us creating the interest in the land and/or the mortgage to be insured must be signed, delivered and recorded: (D) You must tell us in writing the name of anyone not referred to in this Commitment who will get an interest in the land or who will make a loan on the land. We may then make additional requirements or exceptions. (E) Releases(s) or Reconveyance(s) of Item(s): (F) Other: (G) You must give us the following information: 1. Any off record leases, surveys, etc. 2. Statement(s) of Identity, all parties. 3. Other: SCHEDULE B SECTION II GENERAL EXCEPTIONS PART ONE: A. Taxes or assessments which are not shown as existing liens by the records of any taxing authority that levies taxes or assessments on real property or by the public records. B. Any facts, rights, interests, or claims which are not shown by the public records but which could be ascertained by an inspection of said land or by making inquiry of persons in possession thereof. C. Easements, claims of easement or encumbrances which are not shown by the public records. D. Discrepancies, conflicts in boundary lines, shortage in area, encroachments, or any other facts which a correct survey would disclose, and which are not shown by the public records. E. (A) Unpatented mining claims; (B) Reservations or exceptions in patents or in Acts authorizing the issuance thereof; (C) Water rights, claims or title to water; whether or not the matters excepted under (A), (B) or (C) are shown by the public records; (D) Indian Tribal Codes or Regulations, Indian Treaty or Aboriginal Rights, including easements or equitable servitudes. F. Any lien, or right to a lien, for services, labor or materials or medical assistance heretofore or hereafter furnished, imposed by law and not shown by the public records. G. Any service, installation, connection, maintenance, construction, tap or reimbursement charges/costs for sewer, water, garbage or electricity. H. Defects, liens, encumbrances, adverse claims or other matters, if any, created, first appearing in the public records or attaching subsequent to the effective date hereof, but prior to the date the proposed insured acquires of record for value the escrow or interest or mortgage(s) thereon covered by this Commitment. FirstAmerican Title Form No. 1068-2 ALTA Plain Language Commitment Commitment No.: 4222-2912192 Page 5 of 10 SCHEDULE B SECTION II EXCEPTIONS PART TWO: Any policy we issue will have the following exceptions unless they are taken care of to our satisfaction. The printed exceptions and exclusions from the coverage of the policy or policies are available from the office which issued this Commitment. Copies of the policy forms should be read. 1. Lien of the Real Estate Excise Sales Tax and Surcharge upon any sale of said premises, if unpaid. As of the date herein, the excise tax rate for the City of Edmonds is at 1.78 %. Levy/Area Code: 00216 2. General Taxes for the year 2017. The first half becomes delinquent after April 30th. The second half becomes delinquent after October 31st. Tax Account No.: 00389900000600 1st Half Amount Billed: $ 460.05 Amount Paid: $ 460.05 Amount Due: $ 0.00 Assessed Land Value: $ 324,900.00 Assessed Improvement Value: $ 131,900.00 2nd Half Amount Billed: $ 460.05 Amount Paid: $ 0.00 Amount Due: $ 460.05 Assessed Land Value: $ 324,900.00 Assessed Improvement Value: $ 131,900.00 3. The taxes for the current year reflect an exemption as allowed under RCW 84.36 for senior citizens. Any curtailment of the exemption may result in an additional amount being due for the current year and for any re -assessment of land and improvement values. 4. Deed of Trust and the terms and conditions thereof. Grantor/Trustor: Ronald Wayne Moore, as his sole and separate property Grantee/Beneficiary: First Technology Federal Credit Union Trustee: UPF Incorporated Amount: $200,000.00 Recorded: February 16, 2016 Recording Information: 201602160742 5. Examination of the records discloses numerous matters pending against persons with names similar to Ronald Wayne Moore. A statement of Identity should be completed and returned to this company for consideration prior to closing. 6. Evidence of the authority of the individual(s) to execute the forthcoming document for T.L. Properties, LLC, copies of the current operating agreement should be submitted prior to closing. First American Title Form No. 1068-2 Commitment No.: 4222-2912192 ALTA Plain Language Commitment Page 6 of 10 7. A certificate of formation for T.L. Properties, LLC, is not currently on file with the Secretary of State, as required by statute. 8. The land described in this commitment appears to be residential in nature and may be subject to the provisions of R.C.W. 6.13.010, et seq. (Homestead Statute) if the land is occupied as a primary residence. If the land is occupied as a primary residence, R.C.W. 6.13.060 requires that all documents conveying or encumbering the land must be executed by each spouse or domestic partner, individually. Alternatively, the Company will accept a deed identifying the non -vested spouse occupying the property as the grantor and the vested spouse as the grantee. In the event that the Company receives documents to insure that are not executed as required, the Company may be unable to record or to insure the transaction. Please contact your Title Officer if you have any questions. 9. Covenants, conditions, restrictions and/or easements; but deleting any covenant, condition or restriction indicating a preference, limitation or discrimination based on race, color, religion, sex, handicap, family status, or national origin to the extent such covenants, conditions or restrictions violate Title 42, Section 3604(c), of the United States Codes: Recording Information: 1468311 10. Any and all offers of dedication, conditions, restrictions, easements, boundary discrepancies or encroachments, notes and/or provisions shown or disclosed by Short Plat or Plat of Bel Aire Div. A recorded in Volume 19 of Plats, Page(s) 106. First AmerIcan Title Form No.1068-2 ALTA Plain Language Commitment Commitment No.: 4222-2912192 Page 7 of 10 INFORMATIONAL NOTES A. Potential charges, for the King County Sewage Treatment Capacity Charge, as authorized under RCW 35.58 and King County Code 28.84.050. Said charges could apply for any property that connected to the King County Sewer Service area on or after February 1, 1990. Note: These Snohomish County Cities lie outside the King County Sewer Service areas: Arlington, Darrington, Gold Bar, Granite Falls, Index, Lake Stevens, Marysville, Monroe, Mount Vernon, Mukilteo, Stanwood, and Sultan. Note: If property located in city other than listed above it may be subject to the King County Sewage Treatment Capacity Charges. B. Effective January 1, 1997, and pursuant to amendment of Washington State Statutes relating to standardization of recorded documents, certain format and content requirements must be met (refer to RCW 65.04.045). Failure to comply may result in rejection of the document by the recorder or additional fees being charged, subject to the Auditor's discretion. C. Any sketch attached hereto is done so as a courtesy only and is not part of any title commitment 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. D. The description can be abbreviated as suggested below if necessary to meet standardization requirements. The full text of the description must appear in the document(s) to be insured. LOT 6, BEL AIRE DIV. A, VOL. 19, P. 106, SNOHOMISH COUNTY APN: 00389900000600 All matters regarding extended coverage have been cleared for mortgagee's policy. The coverage contemplated by this paragraph will not be afforded in any forthcoming owner's standard coverage policy to be issued. The following deeds affecting the property herein described have been recorded within 36 months of the effective date of this commitment: Recording number 201510200441. Property Address: 749 15th Way SW, Edmonds, WA 98020 NOTE: The forthcoming Mortgagee's Policy will be the ALTA 2006 Policy unless otherwise noted on Schedule A herein. NOTE: We find no judgments or Federal tax liens against the vestee herein, unless otherwise shown as a numbered exception above. NOTE: A FEE MAY BE CHARGED UPON THE CANCELLATION OF THIS COMMITMENT PURSUANT TO WASHINGTON STATE INSURANCE CODE AND THE FILED RATE SCHEDULE OF THIS COMPANY. First American Title Form No. 1068-2 ALTA Plain Language Commitment Commitment No.: 4222-2912192 Page 8 of 10 CONDITIONS 1. DEFINITIONS (a)"Mortgage" means mortgage, deed of trust or other security instrument. (b)"Public Records" means title records that give constructive notice according to the state law where the land is located. of matters affecting the title 2. LATER DEFECTS The Exceptions in Schedule B - Section II may be amended to show any defects, liens or encumbrances that appear for the first time in the public records or are created or attached between the Commitment Date and the date on which all of the Requirements (a) and (c) of Schedule B - Section I are met. We shall have no liability to you because of this amendment. 3. EXISTING DEFECTS If any defects, liens or encumbrances existing at Commitment Date are not shown in Schedule B, we may amend Schedule B to show them. If we do amend Schedule B to show these defects, liens or encumbrances, we shall be liable to you according to Paragraph 4 below unless you knew of this information and did not tell us about it in writing. 4. LIMITATION OF OUR LIABILITY Our only obligation is to issue to you the Policy referred to in this Commitment, when you have met its Requirements. If we have any liability to you for any loss you incur because of an error in this Commitment, our liability will be limited to your actual loss caused by your relying on this Commitment when you acted in good faith to: comply with the Requirements shown in Schedule B - Section I or eliminate with our written consent any Exceptions shown in Schedule B - Section II. We shall not be liable for more than the Policy Amount shown in Schedule A of this Commitment and our liability is subject to the terms of the Policy form to be issued to you. 5. CLAIMS MUST BE BASED ON THIS COMMITMENT Any claim, whether or not based on negligence, which you may have against us concerning the title to the land must be based on this commitment and is subject to its terms. cc: T.L. Properties LLC cc: Ronald W. Moore cc: To Be Determined First American Title Form No. 1068-2 ALTA Plain Language Commitment Commitment No.: 4222-2912192 Page 9 of 10 " First American �T ^rlf1 FirstAmedcan Tithe Insurance Company 2707 Colby Ave, Ste 601 Everett, WA 98201 Phn-(425)551-4821 (800)532-2110 Fax - (866)859-0429 FintAmerican Title Privacy Information We Are Committed to Safeguarding Customer Information In order to better serve your needs now and in the future, we may ask you to provide us with certain information. We understand that you may be concerned about what we will do with such Information - particularly any personal or financial information. We agree that you have a right to know how we will utilize the personal information you provide to us. Therefore, together with our subsidiaries we have adopted this Privacy Policy to govern the use and handling of your personal information. Applicability This Privacy Policy governs our use of the Information that you provide to us. It does not govern the manner in which we may use information we have Obtained from any other source, such as infomnation obtained from a public record or from another person or entity. First American has also adopted broader guidelines that govern our use of lx rsonal information regardless of its source. First American calls these guidelines its Fair Information Values. Types of Information Depending upon which of our services you are utilizing, the types of nonpublic personal information that we may collect include: • Information we receive from you on applications, fortes and in other communications to us, whether in writing, in person, by telephone or any other means; • Information about your transactions with us, our affiliated companies, or others; and • Information we receive from a consumer reporting agency. Use of Information We request Information from you for our own legitimate business purposes and not for the benefit of any nonaffiliated party. Therefore, we will not release your information to nonaffiliated parties except: (1) as necessary for us to provide the product or service you have requested of us; or (2) as permitted by law. We may, however, store such information Indefinitely, Including the period after which any customer relationship has ceased. Such information may be used for any Internal purpose, such as quality control efforts or customer analysis. We may also provide all of the types of nonpublic personal Information listed above to one or more of our affiliated companies. Such affiliated companies Include financial service providers, such as title insurers, property and casualty Insurers, and trust and investment advisory companies, or companies involved in real estate services, such as appraisal companies, home warranty companies and escrow companies. Furthermore, we may also provide all the information we collect, as described above, to companies that perform marketing services on our behalf, on behalf of our affiliated companies or to other financial institutions with whom we or our affiliated companies have joint marketing agreements. Former Customers Even If you are no longer our customer, our Privacy Policy will continue to apply to you. Confidentiality and Security We will use our best efforts to ensure that no unauthorized parties have access to any of your information. We restrict access to nonpublic personal information about you to those individuals and entities who need to know that information to provide products or services to you. We will use our best efforts to train and oversee our employees and agents to ensure that your Information will be handled responsibly and in accordance with this Privacy Policy and First American's Fair Information Values. We currently maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard your nonpublic personal information. Information Obtained Through Our Web Site First American Financial Corporation Is sensitive to privacy issues on the Internet. We believe it is important you know how we treat the information about you we receive on the Internet. In general, you can visit First American or Its affiliates' Web sites on the World Wide Web without telling us who you are or revealing any Information about yourself. Our Web servers collect the domain names, not the e-mail addresses, of visitors. This Information is aggregated to measure the number of visits, average time spent on the site, pages viewed and similar information. First American uses this Information to measure the use of our site and to develop ideas to Improve the content of our site. There are times, however, when we may need Information from you, such as your name and email address. When Information Is needed, we will use our best efforts to let you know at the time of collection how we will use the personal information. Usually, the personal information we collect Is used only by us to respond to your inquiry, process an order or allow you to access specific account/profile information. If you choose to share any personal information with us, we will only use it in accordance with the policies outlined above. Business Relationships First American Financial Corporation's site and Its affiliates' sites may contain links to other Web sites. While we try to link only to sites that share our high standards and respect for privacy, we are not responsible for the content or the privacy practices employed by other sites. Cookies Some of First American's Web sites may make use of "cookie" technology to measure site activity and to customize information to your personal tastes. A cookie is an element of data that a Web site can send to your browser, which may then store the cookie on your hard drive. FirstAiri uses stored cookies. The goal of this technology Is to better serve you when visiting our site, save you time when you are here and to provide you with a more meaningful and productive Web site experience. Fair Information Values Fairness We consider consumer expectations about their privacy in all our businesses. We only offer products and services that assure a favorable balance between consumer benefits and consumer privacy. Public Record We believe that an open public record creates significant value for society, enhances consumer choice and creates consumer opportunity. We actively support an open public record and emphasize its Importance and contribution to our economy. Use We believe we should behave responsibly when we use Information about a consumer in our business. We will obey the laws governing the collection, use and dissemination of data. Accuracy We will take reasonable steps to help assure the accuracy of the data we collect, use and disseminate. Where possible, we will lake reasonable steps to correct inaccurate information. Wheti, as with the public record, we cannot correct Inaccurate Information, we will take all reasonable steps to assist consumers in identifying the source of the erroneous data so that the consumer can secure the required corrections. Education We endeavor to educate the users of our products and services, our employees and others in our industry about the importance of consumer privacy. We will instruct our employees on our fair information values and on the responsible collection and use of data. We will encourage others in our industry to collect and use information in a responsible manner. Security We will maintain appropriate facilities and systems to protect against unauthorized access to and corruption of the data we maintain. Form 50-PRIVACY (9/1/10) Page 1 of 1 Privacy Information (2001-2010 First American Financial Corporation) First American Title Form No. 1068-2 Commitment No.: 4222-2912192 ALTA Plain Language Commitment Page 10 of 10 FIRST AMERICAN TITLE INSURANCE COMPANY Exhibit "A" Vested Owner: RONALD WAYNE MOORE, AS HIS SOLE AND SEPARATE PROPERTY Real property in the County of Snohomish, State of Washington, described as follows: LOT 6, BEL AIRE DIV. A, ACCORDING TO THE PLAT THEREOF RECORDED IN VOLUME 19 OF PLA PAGE 106, RECORDS OF SNOHOMISH COUNTY, WASHINGTON. Tax Parcel Number: 00389900000600 Situs Address: 749 15th Way SW, Edmonds, WA 98020 FirstAmer%can Title EM INSIGHT ENGINEERING CO Bill To Randy Brockway 11014 19th Ave SE Suite #8-315 Everett, WA 98208 PO Box 1478, Everett, WA 98206 info@insightengineering.net (425)303-9363 (425) 303-9362 FAX Invoice Date Invoice # 10/26/2017 4039 Terms Due Date Project Due on receipt 10/26/2017 148th St. Townhome... Quantity Description Rate Amount 1.15 1.15 1.15 1.15 Bills Blueprint Invoice #562388 Bills Blueprint Invoice #561692 Bills Blueprint Invoice #561455 Bills Blueprint Invoice #561559 8.89 21.94 11.36 149.54 10.22 25.23 13.06 171.97 Total $220.48 N v r- 0 cp N 0 N ELECTRONICALLY RECORDED 201602160742 16 02/16/2016 02:11 PM 89.00 SNOHOMISH COUNTY, WASHINGTON When Recorded Mail To: UPF WASHINGTON, INCORPORATED 12410 E. MIRABEAU PARKWAY #100 SPOKANE VALLEY,WA99216 [Space Above This Line For Recording Data] DEED OF TRUST '-Iy,,} MOORS FIRSTAMERICAN 5� �{rw © Loan k:9326180859 PIN:00389900000600 ABBR- LEGAL DESCRIPTION: LOT 6, BEL AIRE DIV. A, VOL. 19, P. 106, SNOHOMISH COUNTY Full legal description located on page 2 or 3. 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 FEBRUARY 8, 2016, together with all Riders to this document. (B) "Borrower" is RONALD WAYNE MOORE, AS HIS SOLE AND SEPARATE PROPERTY. Borrower is the trustor under this Security Instrument. (C) "Lender" is FIRST TECHNOLOGY FEDERAL CREDIT UNION. Lender is a CORPORATION organized and existing under the laws of CA. Lender's address is 3555 SW 153RD DRIVE, BEAVERTON, OR 97006. Lender is the beneficiary under this Security Instrument. (D) "Trustee" is UPF INCORPORATED, 12410 NIRABEAU PARKWAY #100, SPOKANE VALLEY, WA 99216. (E) "Note" means the promissory note signed by Borrower and dated FEBRUARY 8, 2 016. The Note states that Borrower owes Lender TWO HUNDRED THOUSAND AND 00/100 Dollars (U.S. $200, 000.00) plus interest. Borrower has promised to pay this debt in regular Periodic Payments and to WASHINGTON - Single Family -Fannie Mae/Freddie Mae UNIFORM INSTRUMENT 413, 357.41 Page I of 15 Form 30481/01 93261808S9 pay the debt in full not later than MARC33 1, 2046. (F) "Property" means the property that is described below under the heading "Transfer of Rights in the Property." (G) "Loan" means the debt 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. (H) "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 O Condominium Rider ❑ Second Home Rider ❑ Balloon Rider ❑ Planned Unit Development Rider ❑ Biweekly Payment Rider ❑ 1-4 Family Rider ❑ Otber(s) [specify] (1) "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 -appealable judicial opinions. (d) "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. (K) "Electronic Funds Transfer" means any transfer of funds, 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 institution to debit or credit an account. Such term includes, but is not limited to, point -of -sale transfers, automated teller machine transactions, transfers initiated by telephone, wire transfers, and automated clearinghouse transfers. (L) "Escrow Items" means those items that are described in Section 3. (M) "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: (i) damage to, or destruction of, the Property; (ii) condemnation or other taking of all or any part of the Property; (iii) conveyance in lieu of condemnation; or (iv) misrepresentations of, or omissions as to, the value and/or condition of the Property. (N) "Mortgage Insurance" means insurance protecting Lender against the nonpayment of, or default on, the Loan. (0) "Periodic Payment" means the regularly scheduled amount due for (i) principal and interest under the Note, plus (ii) any amounts under Section 3 of this Security Instrument. (P) "RESPA" means the Real Estate Settlement Procedures Act (12 U.S.C. §2601 et seq.) and its implementing regulation, Regulation X (12 C.F.R. Part 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 "federally related mortgage loan" under RESPA. (Q) "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 and/or this Security Instrument. TRANSFER OF RIGHTS IN THE PROPERTY This Security Instrument secures to Lender. (i) the repayment of the Loan, and all renewals, extensions and modifications of the Note; and (ii) the performance of Borrower's covenants and agreements under this WASHINGTON -Single Family -Fannie MselFreddie Mac UNIFORM INSTRUMENT CP 357.41 Page 2 of 15 Form 3048 3/01 9326190aS9 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 Co1JNTY of SNOHOMISH: SEE EXHIBIT "A" ATTACHED HERETO AND MADE A PART HEREOF which currently has the address of 749 1STE WAY SW, EDMONDS, Washington 98020 ("Property Address"): 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 additions shall also be covered by this Security Instrument. All of the foregoing is referred to in this Security Instrument as the "Property." BORROWER COVENANTS that Borrower is lawfully seised of the estate hereby conveyed and has the right to grant and convey the Property and that the Property is unencumbered, except for encumbrances 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 constitute 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 this 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 this Security Instrument be made 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. 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 any 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, then Lender need not pay interest on unapplied funds. Linder may hold such unapplicd 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 payments accepted and applied by Lendershall 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 WASHINGTON - Single Family - Fannie Mae/Freddie Mac UNIFORM INSTRUMENT 9SP 357.41 Page 3 of 15 Form 30481/02 9326180859 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 sufficient 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 if, and to the extent that, each payment can be paid in full. To the extent that any 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 first 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 lien or encumbrance on the Property; (b) leasehold payments or 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 Insurance premiums in accordance with the provisions of Section 10. These items are called "Escrow Items." At origination or at any time during the term of the Loan, Lender may require that Community Association Dues, Fees, and Assessments, if any, be escrowed 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 any or all Escrow Items at any time. Any such waiver may only be in writing. In the event of such waiver, Borrower shall pay directly, when and where payable, the amounts due for any 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 Instrument, as the phrase "covenant and agreement" is used in Section 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 of current data and reasonable estimates of expenditures of future Escrow Items or otherwise in accordance with Applicable Law. The Funds shall be held in an institution whose deposits are insured by a federal agency, instrumentality, or entity (including Leader, if Lender is an institution 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 not charge Borrower for holding and applying the Funds, annually analyzing the escrow account, or verifying the Escrow Items, 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 WASAINGTON - Single Family - Fannie Mae/Freddie Mae UNIFORM INSTRUMENT 40 357.41 Page 4 of 15 Form 3048 1/01 9326180859 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 Borrower 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 attributable 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, if any. To the extent that these items are Escrow Items, 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 part 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 forth above in this Section 4. Lender may require Borrower to pay a one-time charge for a real estate tax verification and/or reporting service used by Lender in connection with this Loan. 5. Property Insurance. Borrower shall keep the improvements now existing or hereafter erected on the Property insured against loss by fire, hazards included within the tern "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 Lender requires. What Lender requires pursuant to the preceding sentences can change during the tern of the Loan. The insurance carrier providing the insurance shall be chosen by Borrower subject to Lender's right to disapprove Borrower's choice, which right shall not he 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 changes 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. If 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 particular type or amount of coverage. Therefore, such coverage shall cover Lender, but night 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 previously in effect. Borrower acknowledges that the cost of the insurance coverage so obtained might significantly exceed the cost of WASIONGTON - Single Fauady - Fannie Mae/Freddie Mac UNIFORM INSTRUMENT 40P 357.41 Page 5 of 15 Form 3048 1/01 9326180859 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 loss 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 if 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, the insurance 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. Such insurance proceeds shall be applied in the order provided for in Section 2, If 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 Section 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 paid by Borrower) under all 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 shall occupy, establish, and use the Property as Borrower's principal residence 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 Property to deteriorate or commit waste on the Property. 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 pursuant 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 in WASEHNGTON - Single Family - Fannie Mae/Freddie Mac UNIFORM INSTRUMENT 4116> 357.41 Page 6 of 15 Form 3W 1/01 9326180859 connection with damage to, or the taking of, the Property, Borrower shall be responsible for repairing or restoring the Property only if 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 condemnation 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 reasonable cause, Lender may inspect the interior of the improvements on the Property. Lender shall give Borrower notice at the time of or prior to such an interior inspection specifying such reasonable cause. S. Borrower's Loan Application. Borrower shall be in default if, 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, misleading, 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 concerning 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 this Security Instrument (such as a proceeding in bankruptcy, probate, for condemnation or forfeiture, for enforcement of a lien which may attain priority over this Security Instrument or to enforce laws or 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 Instrument, including protecting and/or 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 limited to, entering the Property to make repairs, change locks, 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 notice from Lender to Borrower requesting payment. If this Security Instrument is on a leasehold, Borrower shall comply with all the provisions of the lease. Borrower shall not surrender the leasehold estate and interests herein conveyed or terminate or cancel the ground Iease. Borrower shall not, without the express written consent of Lender, alter 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 make separately designated payments 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 mortgage WASIUNGTON - Single Family - Fannie Mae/Freddie Mac UNIFORM INSTRUMENT ® 357.41 Page 7 of 15 Form 30481/01 9326180859 insurer selected by Lender. If substantially equivalent Mortgage Insurance coverage is not available, 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 Borrower any interest or earnings on such loss reserve. Lender can no longer require 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 designated 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 Borrower'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 time 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 affiliate 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 1"S 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 cconomically feasible and Lender's security is not lessened. 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 WASMNCTON - Single Family - Fannie Mae/Freddie Mac UNIFORM INSTRUMENT C--:)- 357.41 Page 8 of 15 Form 3W 1/01 9326180659 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 or not then due, with the excess, if 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, 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 equal to or greater than the amount of the sums secured 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, destruction, 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 whether or not the sums are then due. If 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 fails 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 secured 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 of the Property or other material impairment of Lender's interest in the Property 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 payment 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 of 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 of or preclude the exercise of any right or remedy. WASHINGTON - Single Family - Fannie Mae/Freddie Mac UNIFORM INSTRUMENT dP 357.41 Page 9 of l5 Form 3048 1101 9326180859 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, grant 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 18, 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 Borrower'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 writing. 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 Borrower'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 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 the 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. 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 class mail 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 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 of Construction. 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 WASMNGTON - Single Family - Fannie Mae/Freddie Mae UNIFORM INSTRUMENT 4a'P 357.41 Page 10 of 15 Form 3048 1101 9326180859 might be silent, but such silence shall not 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 feminine 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, "Interest in the Property" 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 title by Borrower at a future date to a purchaser. If all or any part of the Property or, any Interest in 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 this 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 within 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, Borrower shall 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 specify for 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 attorneys' fees, property inspection and valuation fees, and other fees incurred for the purpose of protecting Lender's interest in the Property and rights under this Security Instrument; and (d) takes such action as Lender may reasonably require to assure that Lender's interest in the Property and rights under this Security Instrument, and Borrowers 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 fully effective as if no acceleration had occurred. However, this right to reinstate shall not apply in the case of acceleration under Section 18. 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. 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 Applicable Law. There also might be one or more WASHINGTON - Single Family - Fannie Mae Freddie Mac UNIFORM INSTRUMENT d'SA 357.41 Page 11 of 15 Form 30481101 9326180859 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 party'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 Instrumcnt, 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. 211. Hazardous Substances. As used in this Section 21: (a) "Hazardous Substances" are those substances defined as tonic or hazardous substances, pollutants, or wastes by Environmental Law and the following substances: gasoline, kerosene, other flammable or toxic petroleum products, toxic pesticides and herbicides, volatile solvents, materials containing asbestos or formaldebyde, and radioactive materials; (b) "Environmental Law" means federal laws and laws of the jurisdiction where the Property is located that relate to health, safety or environmental protection; (c) "Environmental 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, or otherwise trigger an Environmental Cleanup. Borrower shall not cause or permit the presence, use, disposal, storage, or release of any Hazardous Substances, or threaten 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 preceding two sentences shall not apply to the presence, use, or storage on the Property 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 Environmental Condition, including but not limited to, any spilling, leaking, discharge, release or threat of release of any Hazardous Substance, and (c) any condition caused by the presence, use or release of a Hazardous Substance which adversely affects the value of the Property. If Borrower learns, or is notified by any governmental or regulatory authority, or any private party, that any removal or other remediation 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 following Borrower's breach of any covenant or agreement in this Security Instrument (but not prior WASMNGTON - Single Family - Fannie Mae/Freddie Mac UNIFORM INSTRUMENT ® 357.41 Page 12 of 15 Form 3048 1101 9326180859 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; (e) 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 nay 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. If Lender invokes the power of sale, Lender shall give written notice to Trustee of the occurrence of an event of default and of bender'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 sale 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 limited 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. Reconveyance. Upon payment of all sums secured by this Security Instrument, Lender shall request Trustee to reconvey the Property and shall surrender this Security Instrument and all notes evidencing 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 reconveyance. 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. 25. Use of Property. The Property is not used principally for agricultural 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. WASHINGTON - Single Family - Fannie Mae/Freddie Mae UNIFORM INSTRUMENT 4D 357.41 Page 13 of 15 Form 3048 3101 9326180859 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 Rider executed by Borrower and recorded with it. BORROWER - RONAt,D WAYIM RE — DATE — [Space Below This Line For Acknowledgment] STATE OF COUNTY OF On this day personally appeared before me ,,r,l \A k-, � in,P to me known to be the individual o dividuals described in and wLkocxccuted the within and foregoing instrument, and acknowledged th t he% he/they signed the same hi er/their free and voluntary act and deed, for the uses and purposes therein mentioned. GIVEN under my hand and official seal this 10 day of FP�o <-V Q r v -Rol b - � -: EUBLIC SBORNHINGTONEXPIRES2018 Notary Public in and for the State of Washington Residing at: My Appointment Expires:. WASHINGTON - Single Family - Fannie Mae/Freddie Mac UNIFORM INSTRUMENT 4EP 357.41 Page 14 of 15 Form 3048 3101 9326160059 MORTGAGE LOAN ORIGINATOR ROBERT HOWARD NATIONWIDE MORTGAGE LICENSING SYSTEM AND REGISTRY IDENTIFICATION NUMBER 118323 MORTGAGE LOAN ORIGINATION COMPANY FIRST TECH FEDERAL CREDIT UNION NATIONWIDE MORTGAGE LICENSING SYSTEM AND REGISTRY IDENTIFICATION NUMBER 732452 Prepared By: CLOSING MORTGAGE FIRST TECH FEDERAL CREDIT UNION 3555 SW 153RD DRIVE BEAVERTON,OR 97006 (855) 855-8805 WASIUNGTON - Single Family - Faonk Mae/Freddie Mae UNIFORM INSTRUMENT 40 357.41 Page 15 of 15 Form 30481/01 EXHIBIT A LEGAL DESCRIPTION: Real property in the County of Snohomish, State of Washington, described as follows: LOT 6, BEL AIRE DIV. A, ACCORDING TO THE PLAT THEREOF RECORDED IN VOLUME 19 OF PLATS, PAGE 106, RECORDS OF SNOHOMISH COUNTY, WASHINGTON. Tax Parcel ID No. 00389900000600 File No. 24"311 Page One BELL AIRE; DIVISIONV A MBSTRICTIVE COVENANTS RUNNING WITH THE LAND THIS INffiNTURE and Declaration of Covenants running with the land, made this 20th Day of June, 1961, by LLOYD L. BLACK and WOARST JEAN BLACK, his rife, and WASHINGTON FEDERAL SAVINGS AND LOAN ASSOCIATION, .an investment company. WITXXSSETH : WHEREAS, said parties, are the owners in fee of BEL AIRE DIVISION A an addition to Snohomish County, Washington, as recorded in o ume of Plats, page 106, records of Snohomish County, which property is located in Snohomish County, Washington and WHEREAS, it is the desire of said parties that said covenants be recorded and that said restrictive covenants be thereby impressed upon said land, now therefore It IS HEREBY MADE KNOWN THAT said parties do by these presents make, establish, confirm and hereby impress upon BEL AIRE DIVISION A, an addition to Snohomish County, Washinnggton, according to plat thereof recorded in Volume 19 of Plats, page 106, records of Snohomish County, Washington, which property is all located in Snohomish County, Washington, the following restrictive covenants to run with said land, and do hereby bind said parties and all of their future grantees, -assignees and successors to said covenants for the tern hereinafter stated and as follows: 1. The area covered by these covenants is the entire area described above. 2. 110 lot shall be used except for residential purposes. No building shall be erected, altered, placed or permitted to remain on any lot other than one detached single-family dwelling not to exceed 2-1/2 stories in height and a private garage for not more than two cars. 3. No building shall be erected, placed or altered on any lot until the con- struction plans -and specifications and a plan showing the locatldn of the structure have been approved by the architectural control committee as to quality of workmanship and materials, harmony of external design with existing structures, and as to location with respect.to topography and finish grade elevation. No fence or wail shall be erected, placed or altered on any lot nearer to any street than the minimum setback line unless similarly approved. The Architectural Control Committee is LLOYD L. BLACK,, MARGARET JEAN BLACK, HAROLD C. KEAN, Seattle, Washington. A majority of the committee may designate a representative to act for it. In the event of death or resignation of any member of -the committee, the remaining members shall have full authority to designate a eucceaaor. At any time, the then record owners of a majority of the lots shall Rave the �-1_ 1468,311 File No. 1468311 hge Two power through a duly recorded written instrument to Chan" the membership of the committee or to withdraw from the committee or restore to it any of Its powers and duties. W - The co>mittee's approval or disapproval as required in these covenants shall be in writing. In the event the committee, or its designated representative, fails to approve or disapprove within 30 days after plans and specifications have been submitted to it, or in any event, if no suit to enjoin the con- struction has been commenced prior to the completion thereof,.approval will not be required and the related covenants shall be deemed to have been fully Complied with. 4. No dwelling shall be permitted on any lot at a Cost of less than 12,000 (exclusive of land), based upon cost levels prevailing on the date these covenants are recorded, it being the intention and purpose of the covenant to assure that all dwellinip shall be of a quality of worlmanship and materials substantially the same or better than that which can be produced on the date these covenants are recorded at the minimum cost stated herein for the minimum permitted dwelling size. The ground floor -\area of the main structure, exclusive of one story open porches and garages, shall be not less than 1000 square feet for a one-story dwelling, nor less than 8�0 square feet for & dwelling of more than one story. 5. No building shall be located on any lot nearer tbathe front lot line or nearer to the side street than the minimum building setback lines shown on the recorded plat. In any event no building shall be located on any lot nearer than U feet to the front lot line, or nearer than U feet to any side street line. No building shall be located nearer than feet to an interior lot line, except that no side yard shall be required fora garage or other permitted accessory building located 50 feet or more from the minimu building setback line. No dwelling shall be located on any interior lot neare than U feet to the rear lot line. For the purposes of this covenant, eaves, steps and open porches shall not be considered as a part of a building provided however, that this shall not be construed to permit any portion of a building on a lot to encroach upon another lot. 6. No dwelling shall be erected, or placed on any lot having a width of less than 70 feet at the minimum building setback line, nor shall any dwelling bearee ed or placed on any lot having an area'of leas than 0000 square feet. 7. An Easement is reserved over the East 10 feet of Lots 1 and 5 for protective screen planting. Also, easements for drainage facilities are reserved over a 2-1/21 wide strip along each aide of interior lot lines and over the rear 5 feet of each lot. Easements for installation and maintenance of other utilities are reserved as shown on the recorded plat or other instrument of public record. S. No noxious or offensive activity shall be carried on upon.any lot, nor shall anything be done thereon, which may be or may become annoyance or nuisance to the neighborhood. 9. No structure of a temporary character, trailer, basement, tent, shack, garage, barn or any other outbuilding shall be used on any lot at any time as ar reeadence, either temporarily or permanently. Ma File No. 14683,11 Page Three 10. Any dwelling or structure erected or placed on any lot in this aqb- division shall be completed as to external appearance, including finish polAting, within 9 months from date of start of construction except for reasons beyond control in which case a longer period may be permltted, 11. No sign of any kind shall be displayed to the public view on any lot except one professional sign of not more than one square foot, one sign of not more than five square feet advertising the property for sale or rent, or signs used by a builder to advertise the property during the construction and sales period. 12. No animals, livestock or poultry of any kind shall be raised, bred or kept on any lot except that dogs, cats or other household pets may be kept, provided that they are not kept, bred or maintained for any commercial purpose. 13. No lot shall be used or maintained as a dumping ground for rubbish; trash, garbage or other waste shall not be kept except in sanitary containers All incinerators or other equipment for the storage or disposal of such material shall be kept in a clean and sanitary condition. 24. No individual water supply system shall be permitted on any lot unless the system is designed, located and constructed in accordance with the requirements, standards and recommendations of City of Mmonds. Approval of such system as installed shall be obtained from such authority. 15. No oil drilling, -oil development operations, oil refining, quarrying or mining operations of any kind shall be permitted upon or in any lot, nor shall oil wells, tanks, tunnels, mineral excavations or shafts be per- mitted upon or in any lot. No derrick or other structure designed for use In boring for oil or natural gas shall be erected, maintained or permitted upon any lot. 16. No individual sewage disposal system shall be permitted an any lot unless the system is designed, located and constructed in accordance with the requirements, standards and recommendations of City of Edmonds. Approval of such system as installed shall be obtained from such authority. 17. These covenants are to run with the land and shall be binding on all parties and all persons claiming under them for a period of thirty years from the date these covenants are recorded, after which time said covenants shall be automatically extended for successive periods of 10 years unless an instrument signed by a majority of the then -owners of.the loth has been recorded, agreeing to change said covenants in whole or in part. 28. =nforcement shall be by proceedings at law or in equity against any person or persons violating or attempting to violate any covenant either to re- strain violation or to recover damages. 19. Invalidation of any one of these covenants by Judgment or court order shall in no wise affect any of the other provialons which shall remain in full force and effect. 7/20/61 Jsr -3- ul B E L, _ __AI R E -___ DI SECTION 25, _.Y27N.,.- R.3E., _.WJU_ CITY OF� EDMONDSi SNOHbMISH COUNT VI A Y WASHiNGTON, DESCRIPTfON t 7JS,'s o•1►i madrsws I/vf' R�-�46.> of A�.a S!(r,6 5E�6 S+Y/:4. Qir/,.vla 2'S, T27AG iK \ p 9 IVAI, /y,• E� /y sf 56.4C Ary 1•w(Eob+a'wi wiy/, +aar.c /+= cu/«-y drsc "L'.�d es �e/lovs': Ce+n+.�ncw-+� of Hr SE. ca-x'• e��/� sw :4 5'E:G Slit f/i o{ sa•,d 7te•/+d••s ?6• /fievxs N6d'2o•KYw.IB S9•.f � :\\ / +o sv+r e�eM-y of s.w! Ss.ct +t+�t•wl.Va.-per N se'SS+ar/✓ a-aa.sj \ $ �\ s c3-/CI 9 +FA. A.: •C-0 A ,Y.Iri9'te"6.z�a 9B• fe ri : fherr� s cs-zoan-c, nzc/ f�i ,b ca,i Arr zs: /frrsr a� q` /rr, 5 /-io•as-w. 4721419 ><arf• {e s/r Fo:.,t of e..b+:nn:'>,�_ � �; i ATION D./ W/V MLL MEN BY 77&rVr �.Vb...+;�...�eK.>w't \ \ I to +a,■ �•�".� of 11,c /...� /....Iby /haa y otee/ra A..;. dsi ..-ad c/a.y.�carr !p Has of ♦hs � {ora...r SCALE: ■ 50 /••• •� a// cs'rvt><s aia7/ caevlria,-i/+c' os- h�Ysivr- �,�y�c Pr+�va�iY �� I / I .. +i a4o.w. an .ShAr ,,��//at a^.d !/aa us>tr yhsrvvP yb.� a•+y and N/pvb/e J / .oy•,00aQs; o/aa, Ihs �,pyf +b .rv✓r at/.reaaysry ah+logs or+str o`- '�t fi//■ yao,� N.r /os's, D.Bcn.s•, lrac-ia••�fr.. aa5ov!•. /•aa�acn...-. flst ivasa..a•bAa o-ry�+ias/ �adr� of �✓/ +ks afrn+rs�s shown hr�aon. • r «ova WAS4/ARi7C4y FEDERAL Sd✓/NGS .�.� ew+mc .4..,,.erM►.A+...: arC Mt46A4CT JEAN BLAC.I� w•rsew.-s ro da N.� ,vw4:+,k euatad ,Ws w'sVswn dwohe•af+c /ady,nN ste rsas ihr yrt� y sj fir iiwr s. sss �.ovr�.�•s MbT• ' AN/61LIyFXT hn wiiQ a caw /G-01-- L. 9L NC,Y .. XI?Nd-4•$ T ha^+d a/�d Sr>a/ f< dlsy sd k........._.* e,40' OR �,` ,/'j•�¢]5/D/M; AT...se".�.E..14.f!S-YR..- ''• f .,e.\�Ys ��\, wesy.byt3TaN < Q ,•` 3° COUNT a�: STATE OF WACH/NSTOA/}ss .'• ' • . •' • •fy 4q�s�i�� A.)7J,iI S•p ,f 1b wi sKsi a++ /'!G/, da•! s +rs , I/a cr>r>igrsYpraad At New;ry �6/�•• ovrs'e�.//y �c,a,rw-e��J• N/FtX,N�r6 I�CAN .vd BRY7CE C l�\�s� �. �� Q/CNA4Ls. Asrocsbq+•.i and a`F++e•��:++'. •`' 'rrty of WA6NiNGTON F Af4AL SAWpG•S B LdJN�,tS`lL,C• Qc SEAT7YE, a Wiioss:�•� corAi.+.w'er+, fID .+ar MfDw.n � �o �� o?`QD' P /O OC Nff •V1d/q✓�/dd YAT�/l/O�c•�{�XxK�"t1'/�RQ NM 'Wl/�Kt +a%Yt ils ¢a4�'�'w 'i9;alrb�i � O\ T•2 2 rd eaa.�ety y ef• a.a/ eti •a..v, . �i'' ' ..K..t...�ye".:.,> ...,•ha.,•�•.,di"n�a. ' � yrrXeG>'eti sa?d +.tiie✓nwri a.+d +Vs/ ++he• �W/ :� @� 3 .. #tCf itrwly ivr+av ca!'.c�arsiSr onw, of —A" \. ,.`H%/YAsl3 ! inL �iyd i-d nW%c/a/ s a/ ffie dey .ay 'sit 1Cs .a8ew wt•.'ffsia. Am -ii"1791 y •••• ENGINEER'S' CERTIFICATE' • • �v • =LE 4tW M47101C E7i?V, 4e•.4s+eNr.ed /rd Se++'v+Nr•' . ab /arvbY Nf1f //Yf PA.1•T deeee>o•-. ae1'Va/ su- Y !✓!d d Lie SaG 26, /nay ;�PQ. of raT +r.o,-r.+»ws/a ha.•Is dwr, M� Avf no,,'+'s� f,tiaMon N� �-.ear..-dae Ib•"aw+. ' v�-3L%N/BYetP AI TREASURER'S CERTIFICAT �� _"�. ',• o Nol o t, vEVNe S E✓EPS/ saw. yr of sahe ntsh a,..rr /�e.e✓: are o.-rfy char �r of rv,. ,�...nr +tee .✓i.K.:. o4ser! !' � L a. -sr ♦ of i�r(dj/.pd/� /�.oJ.�ngr ew.•-. !wy .ow(o' uo�:b�ya�.,�o�+y.:at,o•�r,q ,ves ✓t . s C? APPROVALS cr +YJ_ ..,�.; Eraa>.r'LYJ a-dalgoro rhsn of ,�d�y _/�b(/ EAG/N['CQ E aC.>:•>a�rd+a.�.�_n..\e.�wf .we �. �r ef- - �P_ til.L, ---- .�/ .zn _ �11`b-lSY4-__--_________ d' C'ry A�- EOUIONDIS P4ANNd,G C•O"A47SS'/pV �Exan:rtd srd seiolorwe��s� 1i.�1l� � . •IIY.'/_p!•� c. •f.G/ A.Li P _ ___ C/T c 'vc/L .!E VA4 � 1 n ATTEST : xSi4t A�.�`��s +•.iL ', f �,�+,• •KB;""•'A v FILING RECORD 2 iNs3915' N /6,• F.a,eu.cordat+�w.+t of4Q_ .�4D9K M;IZ% 'YYS�V14rI Fta�! emcr p- �_ 7!j omy Of.-�•• ri ID'�'•'.�_. of �%T,�/{ii,• � a�itarvb' S`fp✓v.,idi ise' sssa �s.¢.ee..sw•4ssasws. 201510200441.001 0 0-zcqI5 . a% After recording return to: Sandra Cairns Hanson Baker Ludlow Drumheller P.S. 2229 - 112th Avenue NE, Suite 200 Bellevue, WA 98004-2936 N101112015 1-i8am 74 �IVlINV'fYf I� U'IPII�U�flPIII�NI!n V S0 MISH COON Y, WRATON DOCUMENT TITLE Personal Representative's Deed REFERF,NCE NO. OF DOCUMENTS ASSIGNED/ RELEASED GRANTOR Bracken, Donna M., personal representative of the estate of Myers Lyle A. GRANTIEE Moore, Ronald Wayne, as his separate estate LEGAL DESCRIPTION Lot 6, Bel -Aire Div A, Vol 19, page 106 ASSESSOR'S PARCEL NO. 00389900000600 PERSONAL REPRESENTATIVE'S DEED THE GRANTOR, Donna M. Bracken, Personal Representative of the Estate of Lyle A. Myers, for and in consideration of the distribution of estate assets, conveys and quit claims to Ronald Wayne Moore, a single man as his separate estate, the following described real estate, situated in the County of Snohomish, State of Washington, together with all after acquired title of the Grantor therein: Lot 6, Bel -Aire Division A, according to the plat thereof recorded in Volume 19 of Plats, page 106, records of Snohomish County, Washington; Situate in the County of Snohomish, State of Washington. Subject to: All matters of record. King County Cause No. 15-4-02704-OSEA. DATED October 1412015 W_IWPDOCS11507610011B0309288.DOCX - sy Donna M. Bracken, Personal Representative of the Lyle A. Myers Estate 201510200441.002 STATE OF WASHINGTON ) ) ss. COUNTY OF SNOHOMISH ) THIS IS TO CERTIFY that on the 10 day of October, 2015 before me, a Notary Public in and fdr the State of Washington, duly commissioned and sworn, came Donna M. Bracken, personally known or having presented satisfactory evidence to be the individual described in and who executed the within instrument, and acknowledged that she signed the same as her free and voluntary act and deed for the uses and purposes therein mentioned. written. WITNESS MY HAND and official seal the day and year in this certificate first above Notary Public Print ie: State of Washington Notary Public in and for the JESS1CA LEE TEMPLE State of Washington, residing at MY COMMISSION EXPIRES WA January 1, 2017 Expiration Date: WAWPD005115076\001\B0309288.DOU - sjr