STATE OF FLORIDA > DEPARTMENT OF BUSINESS & PROFESSIONAL REGULATION * FLORIDA REAL ESTATE APPRAISAL BOARD FLORIDA DEPARTMENT OF BUSINESS & 5 A to PROFESSIONAL REGULATION, apl¥islon DIVISION OF REAL ESTATE SOHINIST RaSh O4-USte PC HE ARInga VE Petitioner, v. CASE NO. 2006009924 EDWARD A. PETERS, Respondent. / ADMINISTRATIVE COMPLAINT The Florida Department of Business & Professional Regulation, Division of Real Estate ("Petitioner") files this Administrative Complaint against Edward A. Peters (“Respondent”), and alleges: ESSENTIAL ALLEGATIONS OF MATERIAL FACT 1. Petitioner is a state government licensing and regulatory agency charged with the responsibility and duty to prosecute Administrative Complaints pursuant to the laws of the State of - Florida, including Section 20.165 and Chapters 120, 455 and-475 of the Florida Statutes, and the tules promulgated thereunder. 2. Respondent is currently a Florida state certified general real estate appraiser having been issued license 1788 in accordance with Chapter 475 Part II of the Florida Statutes. 3. The last license the State issued to Respondent was as a state certified general real estate appraiser at 6314 Lake Sunrise Drive, Apollo Beach, Florida 33572. 4. On or about November 12, 2005, Edward A. Peters (Respondent) developed and FDBPR v. Edward A. Peters Case No. 2006009924 Administrative Complaint communicated an appraisal report (Report 1) for a property commonly known as 24 Coxwaine Drive, Rotonda West, FL 33947 (Subject Property), and estimated its value at $365,000. A copy of Report 1 is attached hereto and incorporated herein as Administrative Complaint Exhibit 1. 5. Respondent made the following general errors and omissions in Report 1: (a) Misstatement of the acreage and square footage of the Subject Property; (b) Failure to state the number and price range of the available comparable sales in the Subject Property neighborhood at the top of page 2 of Report 1; (c) Age adjustment to comparable sales of $1,000/year for every year older than the Subject Property the comparable sale is, with no documentation to support the $1,000 adjustment. 6. Respondent made the following errors and omissions in the Sales Comparison Analysis section of Report 1: (a) Failure to state that comparable sales 1, 3, 4, and 5 had swimming pools; (b) Failure to state that comparable sale 5 has a double lot; (c). Failure to state that comparable sales 1, 3 and 4 are waterfront properties; (d) Understatement of the distances of the comparable sales to the Subject Property by approximately half; ) (e) Inconsistent application of price per square foot adjustments to the gross living area of the comparable sales (Respondent utilized gross living area adjustments from $15.00/square foot to $25.00/square foot). . 7. Copies of Google Earth maps showing the locations of Report 1 comparable sales 1, 3, 4, 5 and 6 (relative to the Subject Property) are attached hereto and incorporated herein as FDBPR v. Edward A. Peters Case No. 2006009924 Administrative Complaint Administrative Complaint Composite Exhibit 2. 8. Although Respondent made the above-listed errors in the Sales Comparison Analysis Section of the Report, Respondent had the correct information in the workfile. Copies of the Charlotte County Property Appraiser’s on line records for Report 1 comparable sales 1, 3, 4, and 5, are attached hereto and incorporated herein as Administrative Complaint Composite Exhibit 3. 9. On or about November 23, 2005, Respondent prepared amendments to Report 1, and communicated it to the client at the client’s request (Report 2). Respondent correct the omission of the swimming pools from the comparable sale properties, and included different, newer sales as comparable sales 4 and 5. A copy of Report 2 is attached hereto and incorporated herein as Administrative Complaint Exhibit 2. 10. Respondent made the following errors and omissions in the Sales Comparison Analysis section of Report 2: | (a) Failure to state that comparable sales 3 and 4 are waterfront properties; (b) Inconsistent application of price per square foot adjustments for gross living area to the comparable sales (R utilized both a $15.00/square foot adjustment and a $20.00/square foot adjustment); (c) Understatement of the distances of the comparable sales to the Subject Property by approximately half. COUNT I Based upon the foregoing, Respondent is guilty of misrepresentation in any business transaction in violation of Section 475.624(2), Florida Statutes. FDBPR v. Edward A. Peters Case No. 2006009924 Administrative Complaint COUNT II Based upon the foregoing, Respondent has violated a standard for the development or ‘communication of a real estate appraisal, specifically Standards Rule 1-1(a), (b), and (c), or other provision of the Uniform Standards of Professional Appraisal Practice (2005) in violation of Section 475.624(14), Florida Statutes. COUNT II Based upon the foregoing, Respondent has violated a standard for the development ‘or communication of a real estate appraisal, specifically Standards Rule 1-4(a), or other provision of the Uniform Standards of Professional Appraisal Practice (2005) in violation of Section 475.624(14), Florida Statutes. COUNT IV Based upon the foregoing, Respondent has violated a standard for the development or communication of a real estate appraisal, specifically Standards Rule 2-1(a), (b) and (c), or other provision of the Uniform Standards of Professional Appraisal Practice (2005) in violation of Section - 475.624(14), Florida Statutes. COUNT V Based upon the foregoing, Respondent is guilty of having failed to exercise reasonable diligence in developing an appraisal report in violation of Section 475.624(15), Florida Statutes. WHEREFORE, Petitioner respectfully requests the Florida Real Estate Appraisal Board, or the Department of Business and Professional Regulation, as may be appropriate, to issue a Final Order as final agency action finding the Respondent(s) guilty as charged. The penalties which may 4 FDBPR v. Edward A. Peters : Case No. 2006009924 Administrative Complaint be imposed for violation(s) of Chapter 475 of the Florida Statutes, depending upon the severity of the offense(s), include: revocation of the license, registration, or certificate; suspension of the license, registration or certificate for a period not to exceed ten (10) years; imposition of an administrative fine of up to $5,000 for each count or offense; imposition of investigative costs; issuance of a reprimand; imposition of probation subject to terms including, but not limited to, requiring the licensee, registrant, or certificate holder to complete and pass additional appraisal education courses; publication, or any combination of the foregoing which may apply. See Section 475.624, Florida Statutes and Rule 61J1-8.002, Florida Administrative Code. The penalties which may be imposed for violation(s) of Chapter 455 of the Florida Statutes, depending upon the severity of the offense(s), include: revocation of the license, registration, or certificate; suspension of the license, registration, or certificate for a period not to exceed ten (10) years; imposition of an administrative fine of up to $5,000 for each count or offense; imposition of investigative costs; issuance of a reprimand; imposition of probation subject to terms including, but not limited to, requiring the licensee, registrant, or certificate holder to complete and pass additional appraisal education courses; publication; restriction of practice; injunctive or mandamus relief; imposition of a cease and desist order; or any combination of the foregoing which may apply. See Section 455.227, Fla. Statutes and Florida Administrative Code Rule 61J1-8.002. FDBPR v. Edward A. Peters Case No. 2006009924 Administrative Complaint : SIGNED this rf day of Florida Department of Business and Professional Regulation Thomas O’Bryant, Jr. Director Division of Real Estate ATTORNEY FOR PETITIONER 4 A Robert Minarcin, Senior Attorney Fla. Bar No. 163147 44 bdo Division of Real Estate a LED : Legal Section 4rnent of Professional Regiran.,, 400 W. Robinson Street, N801 ‘Division of Real Estate Orlando, Florida 32801-1757 (407) 481-5632 (407) 317-7260 - FAX NOTICE TO RESPONDENTS PLEASE BE ADVISED that mediation under Section 120.573 of the Florida Statutes, is not available for administrative disputes involving this type of agency action. PLEASE BE FURTHER ADVISED that pursuant to this Administrative Complaint you may request, within the time allowed by law, a hearing to be conducted in this matter in accordance with Sections 120.569 and 120.57 of the Florida Statutes; that you have the right, at your option and expense, to be represented by counsel or other qualified representative in this matter; and that you have the right, at your option and expense, to take testimony, to call and cross-examine witnesses, and to have subpoena and subpoena duces 6 FDBPR v. Edward A. Peters : Case No. 2006009924 Administrative Complaint tecum issued on your behalf if a formal hearing is requested. PLEASE BE FURTHER ADVISED that if you do not file an Election of Rights form or some other responsive pleading with the Petitioner within twenty-one (21) days of receipt of this Administrative Complaint, the Petitioner will file with the Florida Real Estate Appraisal Board a motion requesting an informal hearing and entry of an appropriate Final Order which may result in the suspension or revocation of your real estate license or registration. Please see the enclosed Explanation of Rights and Election of Rights form. PETERS APPRAISAL SERVICES: LOAN File No. 2411124 wsesTShes INVOICE steteeeee File Number: 2411424 NOVEMBER 12, 2005 . NATIONAL CITY MORTGAGE 4300 CYPRESS SUITE 1000. TAMPA, FL 33607 Borrower : SOLHTALAB, SHANE A~ Invoice # : fo, : . Order Date: 1491172005. Reference/Case #: LOAN PO Number : 24 COXWAINE DR ROTONDA WEST, FL 33947 + t Reat estate AperatsaL FORM 1004. 3 Invoice Total { ‘ p = $ 400.00 State Sales Tax ie ; $ 0.00 Deposit (s } Deposit aS $ Amount Due i Terms: BALANCE DUE AT CLOSE OR; Please Make Check Payable To: PETERS APPRAISAL SERVICES 6314 LAKE SUNRISE DR APOLLO BEACH, FL 33572 Fed. 1D. #: PETERS APPRAISAL SERVICES LOAN File No. 2414124, NATIONAL CITY MORTGAGE 4300 CYPRESS SUITE 1000. TAMPA, FL 33607" Fite Number: 2411124 RE CUSTOMER: SOLHTALAB, SHANE A in accordance with your request, | have personally inspected and appraised the real property at: 24 COXWAINE DR ROTONDA WEST, FL 33947 The purpose of this appraisal is to estimate the market value of the subject property, as improved. The property rights appraised are the fee simple interest in the site and improvements. In my opinion, the estimated market value of the property as of November 12, 2005 is: $365,000 Three Hundred Sity-Five Thousand Dollars The attached report contains the description, analysis and supportive data for the conclusions, final estimate of value, descriptive photographs, limiting conditions and appropriate certifications. SINCERELY, chad ¢ Be. EDWARD A. PETERS ‘ST. CERT. GEN. REA. 813-645-3675. EXHIBIT # race 2 oF Eqs PAGER 92 + PETERS APPRAISAL SERVICES LOAN# File No. 241112. APPRAISAL OF LOCATED AT: 24 COXWAINE DR ROTONDA WEST, Ft. 33947 FOR: NATIONAL CITY MORTGAGE 4300 CYPRESS SUITE 1000. TAMPA, FL 33607 BORROWER: ‘SSOLHTALAB, SHANE A EDWARD A. PETERS ST. CERT. GEN. REA. 6314 LAKE SUNRISE DR., APOLLO BEACH, Ft 33572 ADMINISTRATIVE COMPLAINT. _S_ PAGER 93. PETERS APPRAISAL SERVICES. LOAN# Uniform: Residentiat Appraisal Report FleNo: 2401424 State FL Zip Gade 33947 Tax Yeat 2004" ‘ay Reference 41-24-31 Spocial Assessments $ 0.00 lLeasehokd | Other (describe) Refinance Transaction { JOther (describe) Addcess.4300.CY PRESS SUITE 1000., TAMPA, FL 33607 priot to. the effective date-of this apprais ccf not analyze the contract for sale forthe subject purctiase transaction. Explain tie results ofthe anafysis of tie contract for sate or wity the analyst's was not perfarned. CONTRACT NOT PROVIDED AT TIME OF APPRAISAL} ${000) _(yrs) Jager sums [5<}3:6 mins [lower 6 aaps [°° 227 tow “42 | Cottineicial_ 16_other Market Conditions ws Gung support forthe above conclusions) THE SUBJECT. IS: LOGATEDIN A:WELLY ESTABEISHED. RESALE AREA THATIS.NOT INFLUENCED. BY CREATIVE OR UNUSUAL FINANCING. wi : ecial Flood Hazard Area_[XJ¥es [_[No FEMA Flood Yone AE FEMAMap # 120061 0213F FEMA Map Date 05/05/2003 Are the utes and of-te improvements typical fo the market area? “Dx ves -[ JW} Wo, describe, ervirqrmental conditions, land uses, etc)? L_Jves [X]No Ives, describe. APPRAISER EN TILENEW. Bath Wainscot CERM TILE/NEW- [BcJotnes HT PUM [rial ELEC Coot L Teewatst one Taide sod above geeeolig . 2F Baths) 1,946 Square Feet of Gross Living Area Above Grade: ‘Additional features (spciat energy efficient items, etc). BONE 1 Describe the condition of the. property (including needed repairs, detertoration, renovations, remodeling, etc). SUBJECT HOUSE HAS AN APPROPRIATE FLOOR PLAN DESIGN WITH NO FUNCTIONAL OR PHYSICAL INADEGIUACIES AT THE TIME OF THE APPRAISAL, SUBJECT IS CONSIDERED NEW_ 1HOMES CONTRACTORS. SUBJECT IS VACANT LOT AT TIME OF Does the property generally conform to the neighborhood (functional utility, styte, condition, use, construction, etc)? (X]¥es [_]xo No, describe, ia Wa For TO March 2005 "Prodan AOI Stes, 600 254727 meer aaeboom "Fania Waa Form 1004 March 2005 Page 106 “Wo 06 Ooms" ADMINISTRATIVE - COMPLAL EXHIBIT # 7 tg —_ BH PAGER 27 PAGE OF PETERS APPRAISAL SERVICES LOAN# ae _ Uniform Residential Appraisal Report Fie No, 2411124. * comparable properties currently offered for sale in the subject neighborhood ranging in price from $- to$ i fe sales in the subject neighborhood within the past twelve months in sale m toS. we al. SUBJECT COMPARABLE SALE NO. 1 COMPARABLE SALE NO. 2 COMPARABLE SALE NO. 3 24 COXWAINE DR 500 BOUNDARY BLVD 40 LONG MEADOW PL 49 MEDALIST RD Address ROTONDA WEST, FL. ROTONDA WEST, FL ROTONDA WEST, FL ROTONDA WEST, FL to Subj = 1.04 MILES 0.94 MILES 0.46 MILES Sale Price $ 308,100 $ ‘365,000 $ 383,000 $ 370,000 Sale Prce/Gross Liv, Area_| $ 158.22 sq. {$ 160.72 sq.ft es 197.83 sq. $180.84 sq.ft Data 5) INSP. COUNTY RECORDS INSP. COUNTY RECORDS. INSP. COUNTY RECORDS Verification Sou ORB 2787-1543 ORB 2693-1090 ORB 2734-752 VALUE ADJUSTMENTS DESCRIPTION DESCRIPTION 2418 Aajusmene DESCRIPTION “408 Adcom DESCRIPTION 22)$ Adnan Sale or Financing CONV 0] conv 0/conv 0 Concessions NONE OL NONE O| NONE 9 Date of Sale/Time 08/24/2005 | 05/02/2005 0] o6r22/2005 0 Location SUBURBAN SUBURBAN 0 [SUBURBAN 0] SUBURBAN 9 LeasehoidiFee Simple | FEE SIMPLE FEE SIMPLE 0 [FEE SIMPLE oO] FEE SIMPLE 0 ‘She 8250 10000;. | 10000 - 0| 10000 0 view RESIDENTIAL RESIDENTIAL O[ RESIDENTIAL 0] RESIDENTIAL 0 Design (Styta) RANCH RANCH O| RANCH. [RANCH 0 Quaity of Construction | CBSAVG CBSIAVG 0} CBS/AVG o|cesave oO Actual Age Q 4 +4000 4 4.900 4 44,000 Condition AVERAGE, AVERAGE O [AVERAGE O [AVERAGE 0 ‘Above Grade Tot Baths Totat Sats, Toa Baths, oat Baths Room Count él 3 ar] 8{ 3 oF of 71 3 2F o| ef 3 2F 0 Gross Living Area : 1,946 54, f. : “ Basement & Finished | NONE NONE 0] NONE - 0] NONE 0 Rooms Below Grate __| NONE. NONE O| NONE 0|NONE 9 Functional Utility AVERAGE AVERAGE O| AVERAGE *0| AVERAGE 0 Heating/Cooling CHA CHA o[ CHA O{CHA 0 Energy Efficient tems | NONE NONE 0] NONE 0 | NONE: 0 par. 2 GARAGE 2 GARAGE 0 [2 GARAGE 0|3 GARAGE -2,000 PorchiPatiorDeck ENCL PORCH ENCLPORCH. [| Q]ENCL PORCH O] ENCL PORCH 0 POOL 0 0 o| POOL & JACUZZI -12,500 [0 0 0 0 ofo ofo 9 00 Q 2 ofo 0 Net Ad + $ goof [_J» -_ Is a,300[ [x]+ - Is 500 Adjusted Sale Price Net Adi. -0. Net Adj. -2.2% % Net Ad. 0.1% % of Comparables Gross Ad, 2.4% %6 1S 364,100 | Gruss Ac 4.4% % | $ 374,700 2.0% %]$ 370,500 1 Xpaie id not research the sate or transfer tistory ofthe subject property and comparable sales. ¥ not, explai research |X]di¢_|__}did not reveal any prior sales or transfers of the subject property for the three years prior to the effective date of this appraisal Data source(s)_COUNTY RECORDS i tesearch |_Joid _[XJaid not reveal ‘sales or transfers of the comparable sales for the year prior to the date of sale of the comparable sale. Data source(s) COUNTY RECORDS Report the results ofthe research and analysis of the prior sale or transfer history of the subj ‘and comparable sales (report additional prior sales on page 3). TEM SUBJECT COMPARABLE SALE NO. 1 COMPARABLE SALE NO. 2 COMPARABLE SALE NO. 3 Date of Prior Sale/Transfer 07/2005 NONE, WITHIN 72 MONTHS [NONE, WITHIN 12 MONTHS ["NONE, WITHIN 12 MONTHS Price of Prior Sale/Transfer {67,500 LOT ONLY Data Sourca(s) CTY RECORDS COUNTY RECORDS COUNTY RECORDS COUNTY RECORDS Effective Date of Data Source(s) _| 11/14/2005 44/11/2005. 4411172005 14/11/2005 Analysis of priar sale or transfer history of the subject property and comparable sales. SUBJECT PRIOR SALE WAS FOR LOT ONLY. THIS SALES WAS BELOW MARKET VALUE DUE TO BUILDER PURCHASE PRICES. CURRENT LAND VALUES ARE IN THE RANGE OF $82K TO $90k WITH MIDDLE VALUE INCLUDED AND USED IN COST APPROACH TO VALUE. ‘Summary of Sales Comparison Approach. SALES COMPS USED ARE THE MOST RECENT SALES AVAILABLE. EQUAL CONSIDERATION IS GIVEN TO SALES USED. COST APPROACH OUTLINED ABOVE TENDS TO SUPPORT THE MARKET DATA APPROACH. ALL SALES USED ARE CONSIDERED GOOD INDICATORS OF FAIR MARKET VALUE FOR SUBJECT NEIGHBORHOOD. Indicated Value by Satos n Approach $ 365,000 Indicated Value by: Sales Comparison $365,000 Cost Approach (if devel $ 365,000 Income Approach (if developed) $ 0 ALL DATA HAS BEEN RECONCILED AND SELECTED WITH MORE EMPHASIS ON THE MARKET DATA APPROACH, WHICH IS THE BEST INDICATOR OF VALUE IN TODAY'S MARKET, BECAUSE IT BEST REFLECTS THE ACTIONS OF BUYERS AND SELLERS IN THE MARKET PLACE. ‘This appraisalis made [_J*as's* [Jsubjectto completion per plans and specications on the bass ofa typothetical condtion thatthe Improvements have been completed, C)subjectto the folowing repairs or lteratons onthe basis ofa hypothetical conition thatthe repairs or erations have been completed, or {__}subjectto the folowing required Inspection based on the extraordinary assumption that the condition or deficiency does not require alteration or repair: SUBJECT 1S CONSIDERED NEW CONSTRUCTION Based on a complete visual inspection of the interior and exterior areas of the subject property. defined scope of work. statement of assumptions and fimiting Conditions, and appraiser's certification. my (our) opinion of the market value, as defined, of the real property that is the subject of this report is $ 365,000 asof__ 11/12/2005, which is the date of ir fon and the effective date of this appraisat, Max Fay 70 Warch 2005 Pred A shea, 2023472) we ade Tee Fom 1008 Page 2af6 ‘td 05 033005 ADM PRA TIVE COMPLAINT EXHIBIT a EXHIBIT? s__ PAGE# 3.5” PAGE 2 OF PETERS APPRAISAL SERVICES. LOAN# Uniform Residential Appraisal Report Fle No, 2441124 Provide adequate information forthe lendericlient to replicate the helow cost figures and calculations. ‘Support for the opinion of site value (summary of compatable fand sales ar other metods for estimating ske value) Land value determined by allocation and extraction methods and recent lot sales. ESTIMATED REPRODUCTION OR [é3] JREPLACEMENT COST NEW OPINION OF SITE VALUE... ‘Source of cast data MARSHALL AND SWIFT AND KNOW COSTS. i Quality rating from cost service GOOD. Effective date of cost data SEPT 2005 Comments on Cost Approach (gross fiving area calculations, depreciation, etc.) COST APPROACH IS BASED ON THE MARSHALL AND SWIFT TABLES AND COST KNOWN TO THE APPRAISER. NO FUNCTIONAL OR EXTERNAL OBSOLESCENCE OBSERVED. SUBJECT SITE VALUE IS 23% OF THE TOTAL COST APPROACH VALUE. THIS IS CONSIDERED AVERAGE FOR THIS PART OF THE COUNTY. IMPROVEMENTS INCLUDE WELL AND SEPTIC TANK, DRIVE, WALKS, LANDSCAPING, AND LOT PREP. Provide the folowing information for PUDs ONLY i the developertbuldcr is in contral of the HOA and the sublect property is an attached dwelling unit. al name of project Total number of units Total number of units rented Totat number of units for sale ‘Was the project created by the conversion of an ext (s) into a PUD? Yes. jNo_ if Yes, date of conversion. Does the project contain any mutti-dwelling units? Yes No Chech ‘Are the unkts, common elements, and recreation facilities complete? Yes No ff No, describe the stalus of completion. ADMINISTRATHE COMPLAINT = EXHIBIT 4 roe Ge ERHIIT_S PAGER 2° PETERS.APPRAISAL SERVICES. LOAN Uniform Residential.Appraisal Report Fle No. 2411124 This report form is designed to report an appraisal of a one-unit property or a one-unit property with an accessory unit; including a unit in a planned unit development (PUD). This report form is not designed to report an appraisal of a manufactured home of 2 unit in a condominium or cooperative project. This appraisal report is subject to the following scape of work, intended use, intended user, definition of market value, statement of assumptions and limiting conditions, and certifications. Modifications, additions, or deletions to the intended use, intended user, definition of market value, ot assumptions and limiting conditions are not permitted. The appraiser may expand the scope of work to include any. additional research or analysis necessary based on the complexity of this appraisal assignment. Modifications or deletions to the certifications are also not permitted. However, additional certifications that do not constitute materiat atterations to this appraisal report, such as those required by law or those related fo the appraiser's continuing education or membership in an appraisal organization, are permitted. SCOPE OF WORK: The scope of work for this appraisal is defined by the complexity of this appraisal assignment and the feporting requirements of this appraisal report form, including the following definition of market value, statement of assumptions and limiting conditions, and certifications. The appraiser must, at a minimum: (1) perform a complete visual inspection of the interior and exterior areas of the subject property, (2) inspect the neighborhood, (3) inspect each of the comparable sales from at least the street, (4) research, verify, and analyze data from reliable public and/or private sources, and (5) report his or her analysis, opinions, and conclusions in this appraisal report. INTENDED USE: The intended use of this appraisal report is for the lender/client to evaluate the property that is the subject of this appraisal for a mortgage finance transaction. INTENDED USER: The intended user of this appraisal report is the lender/client. DEFINITION OF MARKET VALUE: The most probable price which a property should bring in a competitive and open market under all conditions requisite to a fair sale, the buyer and seller, each acting prudently, knowledgeably and assuming the price is not affected by undue stimulus. Implicit in this definition Is the consummation of a sale as of a specified date and the passing of title from seller to buyer under conditions whereby: (1) buyer and seller are typically motivated; (2) both parties are well informed or well advised, and each acting in what he or she considers-his or her own best interest; (3) a reasonable time is allowed for exposure in the open market; (4) payment is made in terms of cash in U. S. dollars or in terms of financial arrangements comparable thereto; and (5) the price represents the normal consideration for the property sold unaffected by special or creative financing or sales concessions* granted by anyone associated with the sale. *Adjustments to the comparables must be made for special or creative financing or sales concessions. No adjustments are necessary for those costs which are normally paid by sellers as a result of tradition or law in a market area; these costs are readily identifiable since the seller pays these costs in virtually all sales transactions. Special or creative financing adjustments can be made to the comparable property by comparisons to financing terms offered by a third party institutional lender that is not already involved in the property or transaction. Any adjustment should not be calculated on a mechanical dollar for dollar cost of the financing or concession but the dollar amount of any adjustment should approximate the market's reaction to the financing or concessions based on the appraiser's judgment. STATEMENT OF ASSUMPTIONS AND LIMITING CONDITIONS: The appraiser's certification in this report is subject to the following assumptions and limiting conditions: 1. The appraiser will not be responsible for matters of a tegal nature that affect either the property being appraised or the title to it, except for information that he or she became aware of during the research involved in performing this appraisal. The appraiser assumes that the title is good and marketable and will not render any opinions about the title. 2. The appraiser has provided a sketch in this appraisal report to show the approximate dimensions of the improvements. The Sketch is included only to assist the reader in visualizing the property and understanding the appraiser's determination of its size. 3. The appraiser has examined the available flood maps that are provided by the Federal Emergency Management Agency (or other data sources) and has noted in this appraisat report whether. any portion of the subject site is located in an identified Special Flood Hazard Area. Because the appraiser is not a surveyor, he or she makes no guarantees, express or implied, regarding this ‘determination. 4. The appraiser will not give testimony or appear in court because he or she made an appraisal of the property in question, unless specific arrangements to do so have been made beforehand, or as otherwise required by law. 5. The appraiser has noted in this appfaisal report any adverse conditions (such as needed repairs, deterioration, the presence of hazardous wastes, toxic substances, etc.) observed during the inspection of the subject property or that he or she became aware of during the research involved in performing this appraisal. Unless otherwise stated in this appraisal report, the appraiser has no knowledge of any hidden or unapparent physical deficiencies or adverse conditions of the property (such as, but not limited to, needed repairs, deterioration, the presence of hazardous wastes, toxic substances, adverse environmental conditions, etc.) that would make the property less valuable, and has assumed that there are no such conditions and makes no guarantees or warranties, express or implied. The appraiser wil not be responsible for any such conditions that do exist or for any engineering or testing that might be required to discover whether such conditions exist. Because the appraiser is not an expert in the field of environmental hazards, this appraisal.report must not be considered as an environmental assessment of the property. 6. The appraiser has based his or her appraisal report and valuation conclusion for an appraisal that is subject to satisfactory completion, repairs, or alterations on the assumption that the completion, repairs, or alterations of the subject property will be Performed.in a professional manner. exHisit #4 PAL ? or EXHIBIT Ss PAGE 32 pereenwntnwee od PETERS APPRAISAL SERVICES LOAN# Uniform Residential Appraisal Report Fle No. 2411124 APPRAISER'S CERTIFICATION: The Appraiser certifies and agrees that: 1. thave, at a minimum, developed and reported this appraisal in accordance with the scope of work requirements stated in this appraisal report. 2. {performed a complete visual inspection of the interior and exterior areas of the subject property. | reported the condition of the improvements in factual, specific terms. | identified and reported the physica! deficiencies that could affect the livability, soundness, or structurat integrity of the property. 3. | performed this appraisal In accordance with the requirements of the Uniform Standards of Professional Appraisal Practice ‘that were adopted and promulgated by the Appraisal Standards Board of The Appraisal Foundation and that were in place at the time this appraisal! report was prepared. 4. | developed my opinion of the market value of the real property that is the subject of this report based on the sales comparison approach to value. | have adequate comparable market data to develop a reliable sales comparison approach for this appraisal assignment. .| further certify that.l considered the cost and.income approaches to value but did not develop them, unless otherwise indicated in this report. 5. researched, verified, analyzed, and. reported on. any current agreement for sale for the subject property, any. offering for sale of the subject property in the twelve months prior to the effective date of this appraisal, and the prior sales of the subject property for a minimum of three years prior to the effective date of this appraisal, unless otherwise indicated in this report. 6. researched, verified, analyzed, and reported on the prior sales of the comparable sales for a minimum of one year prior to the date of sale of the comparable sale, uniess otherwise indicated in this report. 7. 1 selected and used comparable sales that are locationally, physically, and functionally the most similar to the subject property. 8. Thave not used comparable sales that were the result of combining a land sale with the contract purchase price of ahome that has been built or will be built on the land. 9. Ihave reported adjustments to the comparable sales that reflect the market's reaction to the differences between the subject property and the comparable sales. 10. I verified, from a:disinterested source, all information in this report that was provided by parties who have a financial interest in the sale or financing of the subject property. 11. | have knowledge and experience in appraising this type of property in this market area. 12, am aware of, and have access fo, the necassary and appropriate public and private data sources, such as multiple listing services, tax assessment records, public land records and other such data sources for the area in which the property is located. 13. | obtained the information, estimates, and-opinions-fumished. by other parties-and. expressed. in this. appraisal. report from. reliable sources that { believe to be true and correct. 144, (‘have taken into-consideration the factors that have an impact-on-value with respect to the-subject neighborhood, ‘subject property, and the proximity of the subject property to adverse influences in the development of my opinion of market value. | have noted in this appraisal report any adverse conditions (such as, but not limited to, needed repairs, deterioration, the presence of hazardous wastes, toxic substances, adverse environmental conditions, etc.) observed during the inspection of the subject property or that | became aware of during the research involved in performing this appraisal. | have considered these adverse conditions in My analysis ofthe property value, and_.have.ceparted on.the.effect of the conditions on the value and marketability of the subject Property. 15. have net knowingly withheld.any. significant-information- from-this. appraisal. report. and, to-the-best of my. knowledge, all. Statements and information in this appraisal report are true and correct. 46. \-stated-in-this appraisal-report-my- own-personal, unbiased, and-professional analysis, opinions, and-conclusions, which are subject only to the assumptions and limiting conditions in this appraisal report. | 17. Firave no present or prospective interest ir the property that is the subject of this report, andl traveno present or prospective Personal interest or bias with respect to the participants in the transaction. 1 did not base, either partially or completely, my analysis and/or opinion of market value in this appraisal report on the race, color, religion, sex, age, marital status, handicap, familial status, or national origin of either the prospective owners or occupants of the subject property or of the present owners or ‘occupants of the properties in the vicinity of the subject property or on any other basis prohibited by law. 18. My employment and/or compensation for performing this appraisal or any future or anticipated appraisals was not conditioned ‘on any agreement or understanding, written or otherwise, that | would report (or present analysis supporting) a predetermined “specific value, a predetermined minimum-value, a-range or direction in value, a value-that favors-the cause of any party, or the attainment of a specific result or occurrence of a specific subsequent event (such as approval of a pending mortgage loan application). 19. | personally prepared all conclusions and opinions about the real estate that were set forth in this appraisal report. If! relied on significant real property appraisal assistance from any individual or individuals in the performance of this appraisal or the preparation of this appraisal report, | have named such individual(s) and disclosed the specific tasks performed in this appraisal report. | certify that any individual so named is qualified to perform the tasks. | have not authorized anyone to make a change to + any- item: in-this-appraisal report; therefore, any-change-made to-this-appraisal is unauthorized-and.| will take.no.responsibility-for it. 20. | identified the tender/client in this appraisal report who is the individual, organization, or agent for the organization that ordered and-wilt receive this appraisal report. , exniair 44 PAGE | Ee 2S s PETERS APPRAISAL SERVICES Uniform Residential Appraisal Report LOAN# File No. 2441124 21. The lender/ctient may disclose ar distribute this appraisal report to: the borrower; another lender at the request of the borrower; the mortgagee or its successors and assigns; mortgage insurers; government sponsored enterprises; other secondary market participants; data collection or reporting services; professional appraisal organizations; any department, agency, or instrumentality of the United States; and any state, the District of Columbia, or other jurisdictions; without having to obtain the appraiser's of supervisory appraiser's (if applicable) consent. Such consent must be obtained before this appraisat report may be disclosed or distributed to any other party (including, but not limited to, the public through advertising, public relations, news, sales, or other media). 22. | am aware that any disclosure or distribution of this appraisal report by me or the lender/client may be subject to certain laws and regulations. Further, { am also subject to the provisions of the Uniform Standards of Professional Appraisal Practice that pertain to disclosure or distribution by me. 23. The borrower, another lender at the request of the borrower, the mortgagee or its successors and assigns, mortgage insurers, government sponsored enterprises, and other secondary. market participants may rely on this appraisal report as part of any mortgage finance transaction that involves any one or more of these parties. 24. If this appraisal report was transmitted as an “electronic record” containing my “electronic signature,” as those terms are defined in applicable federal and/or state laws (excluding audio and video recordings), or a facsimile transmission of this appraisal. Feport containing a copy or representation of my signature, the appraisal report shail be as effective, enforceable and valid as if a Paper version of this appraisal report were delivered containing my original hand written signature. 25. Any intentional or negligent misrepresentation(s) contained in this appraisal report may result in civil liability and/or criminal penalties including, but not limited to, fine or imprisonment or both under the pravisions of Title 18, United States Code, Section 1001, et seq., or similar state taws. . SUPERVISORY APPRAISER'S CERTIFICATION: The Supervisory Appraiser certifies and agrees that: 1. I directly supervised the appraiser for this appraisal assignment, have read the appraisal report, and agree with the appraiser's analysis, opinions, statements, conclusions, and the appraiser's certification, 2. accept full responsibility for the contents of this appraisal report including, but not limited to, the appraiser's analysis, opinions, statements, conclusions, and the appraiser's certification. 3. The appraiser identified in this appraisal report is either a sub-cantractor or an employee of the supervisory appraiser (or the appraisal firm), is qualified to perform this appraisal, and is acceptable to perform this appraisal under the applicable state law. 4. This appraisal report complies with the Uniform Standards of Professional Appraisal Practice that were adopted and promulgated by the Appraisal Standards Board of The Appraisal Foundation and that were in place at the time this appraisal report was prepared. 5. If this appraisal report was transmitted as an ‘electronic record” containing my “electronic signature,” as those terms are defined in applicable federal and/or state laws (excluding audio and video recordings), or a facsimile transmission of this appraisal report containing a copy or representation of my signature, the appraisal report shall be as effective, enforceable and valid as if a Paper version of this appraisal report were delivered containing my original hand written signature. APPRAISER Signature a Name EDWARDA. PETERS. Company Name PETERS APPRAISAL SERVICES Company Address 6314 LAKE SUNRISE DR APOLLO BEACH, FL 33572 Telephone Number 813-645-3675 Email Address edward net Date of Signature and Report 11/12/2005 Effective Date of Appraisal 11/12/2005 State Certification # RZ0001788 or State License # or Other (describe) State FL Expiration Date of Certification or License 11/30/2006 ST. CERT. GEN. REA. ADDRESS OF PROPERTY APPRAISED 24 COXWAINE DR ROTONDA WEST, FL. 33947 APPRAISED VALUE OF SUBJECT PROPERTY $ 365,000 State # LENDER/CLIENT Name NATIONAL CITY MORTGAGE. Company Name NATIONAL CITY MORTGAGE ‘Company Address 4300 CYPRESS SUITE 1000. SUPERVISORY APPRAISER (ONLY IF REQUIRED] ‘Signature Name Company Name Company Address Telephone Number Email Address Date of Signature Expiration Date of Certification or License SUBJECT PROPERTY (Dia not inspect subject property CDia inspect exterior of subject property from street Date of inspection Obia inspect interior and exterior of subject property Date of Inspection COMPARABLE SALES. |Did not inspect exterior of comparable sales from street Did inspect exterior of comparable sales from street TAMPA, FL 33607 Poe Tae eT | EXMTBT Se Date of Inspection TE COMPLAINT AGE 32. PETERS. APPRAISAL SERVICES. LOAN# ; Uniform Residential Appraisal Report Fle No. 2411124 FEATURE SUBJECT COMPARABLE SALE NO. 4 COMPARABLE SALE NO. 5 COMPARABLE SALE NO. 6 24 COXWAINE DR 14 LONG MEADOW LN 5 LONG MEADOW LN 228 SPORTSMAN RD ‘Nddréss- ROTONDA: WEST, Ft ROTONDA WEST; FL ROTONDA WEST; FL: ROTONDA WEST; FL Proximity to S 0.78 MILES 0.79 MHES 1.45 MILES : Sale Price $ 308,100 $ 345,000 $s 353,000 3. 369,900 Sale PricefGrss tv. area_|'$ 158.32 sq. |$ 165.18 sq.ft $181.03 59,8 GRAS 184.40 sq. Data Sai INSP. COUNTY RECORDS. INSP, COUNTY RECORDS INSP. COUNTY RECORDS Verification Source(s). ORB 2733-2075 ORB 2671-1515 {ose ‘2757-280 ‘VALUE ADJUSTMENTS DESCRIPTION DESCRIPTION 2)sAdpsimen [DESCRIPTION ses hdjemen | OESCRIPTION 4) Ajeet Sale or Financing CONV 0{conv {conv 0 Conidessions NONE 2 O}NONE O;NONE cis Date of SalefTine 06/21/2005 of 0405/2005. 0 07/21/2005. o Location SUBURBAN SUBURBAN. 0] SUBURBAN 0 [SUBURBAN 9 LeaseholdiF ee Sim FEE SIMPLE FEE SIMPLE [FEE SIMPLE 0] FEE SIMPLE 0 Site 8250 10000 | 40000 0410000: a iow RESIDENTIAL [RESIDENTIAL O| RESIDENTIAL 0 |RESIDENTIAL, a Desi ) RANCH RANCH 0] RANCH O| RANCH 9 Quality of Construction | CBS/AVG CBSIAVG O|CBSAVG a[cesiave 0 ‘Actual oO ir i +9000 9” +9000} 10" +10,000' Condition AVERAGE AVERAGE O| AVERAGE O| AVERAGE 0 ‘Above Grade Total sats | Tou Bats Taal Bats tot lees < Room Count el 3 2F{ 6] 3 ws ef 3 2F oj 7] 3 2F 9 Gross Living Area 4,946 sq. f. Basement &Finished | NONE NONE " 0] NONE | NON ° Rooms Below Grade__| NONE NONE O| NONE O| NONE Functional utiity _ AVERAGE AVERAGE O {AVERAGE OJ AVERAGE CHA CHA O{CHA ol CHA. Energy Efficient tems | NONE NONE 0] NONE O|NONE ela 2GARAGE 2. GARAGE 02 GARAGE 0 {2 GARAGE Porch’Patio/Deck ENCL PORCH _{ENCL PORCH O] ENCL PORCH O[ENCL PORCH POOL oO i‘) ojo oO] POOL ~10,500 jo ‘To ofo @ 0 [00 6 alo alo oO Net. XJ+ IS 7,000} [XI+ - s 8,900 + Due [$s 1,400. ‘Adjusted Sale Price Net Ad. 2.0% % Net Ad. 2.5% % Net Adj. -0.4% % of Grass Ad, 3.2% %1$ 352,000 | Gross Ad.2.6%_%]$ 361,900 | Gross Ad 5.8% % | $ 368,500 ~aTEM SUBJECT “* COMPARABLE SALE NO. 4 > COMPARABLE SALE.NO-5 COMPARABLE SALENO.6 Date of Prior Sale/Transfer 07/2005 NONE OVER 12MONTHS _|NONE OVER 12 MONTHS [NONE OVER 12 MONTHS rica of Prior Sale/Transfer $67,500 LOT ONLY : a . : Data Source(s) CTY RECORDS COUNTY RECORDS" COUNTY RECORDS COUNTY RECORDS Effective Date of Data Source(s) | 11/11/2005 1414/2005 1441/2005 1471472005 ‘Summary of Sales Comparison Approach ABOVE SALES ARE AVAILABLE AND USED IN THIS REPORT QUE TO NEW CONSTRUCTION OF SUBJECT IN =. PROVIDING EXTRA SALES COMPS FOR CONSIDERATION.. Fredo Wac Form 70 March Borrower: SOLHTALAB, SHANE A File No.:_241112A Property Address: 24 COXWAINE DR Case No.: LOAN ‘| City, ROTONDA WEST Zip: 33947 Lender. NATIONAL CITY MORTGAGE -Neighborhood.Boundaries . SUBJECT PROPERTY IS LOCATED BETWEEN GULFSTREAM BLVD TO THE NORTH, CHARLOTTE HARBOR TO THE EAST, APPLETON BLVD TO THE SOUTH AND ROTUNDA BLVD N TO THE WEST. Conditions of Appraisal THIS APPRAISAL IS MADE “SUBJECT TO PLANS AND SPECS", AND PER LENDERS INSTRUCTIONS. ELECTRONIC SIGNATURE IN THIS REPORT IS TO BE CONSIDERED AN ORIGINAL SIGNATURE FOR EDWARD A. PETERS. Additional Comments APPRAISAL INFORMATION GATHERING AND REPORTING: This appraisal report is a Summary Appraisal report which is intended to comply with the requirements established under Standards Rule 2-2{b) of Uniform Standards of Professional Appraisal Practice for a Summary Appraisal report. This report is a summary of the information, Fationale.and.analysis.used in the appraisal.process to.determine.the appraiser's estimate-of value. Supporting documentation .is.retained in the appraiser's file and may not appear in this report. 4 ’ As part of the appraisal process, the appraiser has completed extensive research with respect to the subject property and the comparables used. Uniform Standards of Professional Appraisal Practice were followed throughout the entire appraisal process, with no departures from Standard 1. ‘Subjectis considered new construction and will’ have a higher or tower value than predominant market value wiiich includes all ages of homes in the area. This is considered normat ar average for the area and has ne effect on marketability being subject's value is within the tow and high end range of values as stated in form. SCOPE OF APPRAISAL: The_scope.of.this.appraisal 4s.to.analyze market conditions as of the effective date of the appraisal.and.consider.all approaches to vatue.in order to estimate the subject's market value, as defined for it Highest and Best Use. INTENDED USE OF APPRAISAL: The intended use of this appraisal report is to determine an estimated market value of the subject property and to act as a tool for financing and/or decision making by client. This appraisal is intended for the above mentioned client ‘only. . This appraisal can be considered to be reliable with respect to the final value estimated. This appraisal should not be considered reliable when individual fine items are viewed separately or taken out of the contest of this report ° COMPARABLE SALES ANALYSIS: In the Comparable Sales Analysis recent comparables sales were selected based on age, size, quality condition and as near physically to the subject's could be found. A search of public records produced no more recent similar sales. ° Land value determined by allocation and extraction methods and recent lot sates. Quaiity of construction adjustments for the comparables sales were based on apparent marketplace reaction to quality of materials or components, method of application, type of ornamentation, design, finish and evidence of ‘workmanship of the various commonest typical for “this'class. items such as ceiting treight floor coverings, ‘material-and workmanship, ‘size werd numberof appointments ard were taken into consideration. Adjustments-applied.were derived.through- paired.sales.analysis-within-the subject marketplace. Differences .in.living-areas, bathrooms, and. age were-adjusted accordifgly." Porches, pools and miscellaneous extras were adjusted according to apparent marketplace reaction to size and quality. Sales comps used are similar developed lots vs subject and no location or site adjustment is necessary. Various differences in ‘Square footage of lot sizes is not reflected in market values for lot purchases in subject's area, Average ‘ot sizes vary between 8,000 - 11,000 sq. ft with no value difference shown in market lot sales. No adjustment is necessary for average size lot sales FINAL ESTIMATE OF VALUE: No personal property has been included in the final estimate of value. ELECTRONIC SIGNATURE: ‘This. report.contains digital. signature.that are encrypted. and_password_protected for. use.only. by. the-appraiser. signing this. repost. i _ ace _ oF EXHIBITE <_ PAGER _¢7 . SUBJECT PROPERTY PHOTO: ADDENDUM: > Borrower: SOLHTALAB, SHANE A File No.: 2411124 | Property Address:24 COXWAINE DR Case No.: LOAN# City: ROTONDA WEST State: FL. Zip: 33947, Lender: NATIONAL CITY MORTGAGE FRONT VIEW OF SUBJECT PROPERTY Appraised: Date:November 12; 2005 Appraised Value: $ 365,000 REAR VIEW OF ‘SUBJECT PROPERTY STREET SCENE EXHIBIT 4 PAGE 2 EXHIBITE x PAGE# ¥2_ . COMPARABLE PROPERTY PHOTO ADDENDUM: Borrower: SOLHTALAB, SHANE A File No. 2411124 | Property Address: 24 COXWAINE DR Case No.: LOANH City: ROTONDA. WEST State: Fi. Zip: 33947 {_ Lender: NATIONAL CITY MORTGAGE COMPARABLE SALE #1 500 BOUNDARY BLVD" ROTONDA WEST, FL Sale Date: osrzar2005° Sale Price: $ 365,000 COMPARABLE SALE #2. ‘40 LONG MEADOW PL ROTONDA WEST, FL ~ Safe Date: 0570272005 Sale Price: $ 383,000 COMPARABLE SALE #3 19 MEDALIST RD" ROTONDA WEST, FL Sale Date: cezz2005° Sate Price: $ 370,000 ae COMPLAINT EXHIBIT 4 pace _ 13 PRHIBITE. SPACER 32" COMPARABLE PROPERTY.PHOTO ADDENDUM Borrower: SOLHTALAB, SHANE A File No: 2411124 Property Address:24 COXWAINE DR Case Nos LOANS City: ROTONDA WEST State: FL Zip: 33047 Lender: NATIONAL CITY MORTGAGE, COMPARABLE SALE #4 14 LONG MEADOW LN ROTONDA WEST, FL. Sale Date: 06/21/2005 Sale Price: $ 345,000 COMPARABLE SALE #5 5 LONG MEADOW LN ROTONDA WEST, FL Sale Date: 0470672005 Sale Price: $ 353,000 COMPARABLE SALE #6 226'SPORTSMAN RD’ ROTONDA WEST, FL Sale Date: o77z12005° Sale Price: $ 369,900 LOCATION MAP Borrower: SOLHTALAB, SHANE A File No.:_ 2411124. | Property Address:24 COXWAINE DR. " Case No. LOANS City: ROTONDA WEST State: FL Zip: 33947 Lender: NATIONAL CITY MORTGAGE 6314 LAKE SUNRISE DR., APOLLO BEAGH, FL 33572 EXHIBIT # PAGE IE Ss PAGE gs PLAT MAP Borrower: SOLHTALAB, SHANE A File No: 2411124 Property Address:24 COXWAINE-DR ‘ :_: Case-Nos. City: ROTONDA WEST State: FL Lender: NATIONAL CITY MORTGAGE PAGE a OF — HERR s_ s_ PAGE ZZ PETERS APPRAISAL SERVICES - Borrower: SOLHTALAB, SHANE A File No.:_2411424 ‘Address:.24 COXWAINE DR Case. Ng.: LOANS City: ROTONDA WEST : Zip: 33047 Lender: NATIONAL CITY MORTGAGE ADMINISTRATIVE COMPLAINT ESOYTB PhO |, APOLLO BEACH, FL 33572 — eace 12. oF EXHIBITS PAGER #7” PETERS APPRAISAL SERVICES” Borrower: SOLHTALAB, SHANE A. File No.:_ 2411424 | Property Address:24 COXWAINE.DR - ___ Case No. LOAN City: ROTONDA WEST. : ‘ State: FL. Zip: 33947 Lender: NATIONAL, CITY MORTGAGE. : ~ rc wc wots ori ate ie AMINES LRAT WE COMPLAINT Borrower: SOLHTALAB, SHANE A. FLOORPLAN Fife No.:_ 2411124 Property Address:24 COXWAINE DR City: ROTONDA WEST. Lender: NATIONAL CITY MORTGAGE Case No.:LOANK State: FL Zip: 33047, 28.0 x SO x 24.0 x 43.0 aaco 24.0 3 Areas Total (rounded) °” PETERS APPRAISAL SERVICES Borrower; SOLHTALAB, SHANE A 7 File No: 2411124 Property Address: 24 COXWAINE DR. 4 ~ Case Na: Loans | City: ROTONDA WEST wt State: Ft. Zip: 33047 Lender: NATIONAL CITY MORTGAGE. ADMINISTRATIVE COMPLAINT PAGE 20 OF ype = PAGER SO Location Map Borrower Property Address_ 24 Coxwaine Drive Zip Code_33947. a Comparable #1 ‘ i a es és f i : # 500 Boundary Blyd : i 3.68 miles NW Comparable # 6 omparable # Comparable # 4 FT niles NW 14 Long Meadow 2Tentles SW 2.68 miles NW 5 Long Meadow La Comparable # 2 40 Long Meadow Place 1.96 miles N SY, CARRIE, Subject z on i 24 Conwaine Drive Fame: sa OF — b PAGE# Khe {Borrower Property Address 24 Coxwaine Drive City Rotonda West County Charlotte State FL Zp Code 33947 Lender First Floor Covered En! Covered Porch Garage Net LIVABLE Area AleMINISTRATIVE COMPLAINE Form SKT.BIdSki — *WinTOTAL” abba iby a ktfode, inc, — 1-800-ALAMODE PAGE 92 ‘2! et Bhs itd Meal |_rroonean | (EY BES : EXHIBIT 2 : PAGE 23 of _ EXHIBIT#2_ PAGEF > ADMINISTRATIVE COMPLAINT EXHIBIT #2 PAGE) OF EXHIBIT#_72_ PAGE# 722 ADMINISTRATIVE COMPLAINT. EXHIBIT #2 PAGE .¢ OF EXHIBIT#_/> PAGER sox. ADMINISTRATIVE COMPLAINT. EXHIBIT #2 PAGE _ OF EXHIBIT#_72 PAGE# 729 ADIVINGS TRALIVE COMPLAINT EXHIBIT #o? PAGE OF EXHIBIT#_/2_ PAGE# 772 SGouyle turthy ADMINISTRATIVE COMPLAINT - EXHIBIT #2 PAGE 5 OF EXHIBIT#_72_ PAGE# /77_ MPLAINT ECO INISTRATIV iM EXHIBIT PAGE AD 2 EXHIBIT#_/>_ PAGE# 72. is) ADMINISTRATIVE COMPLAINT EXHIBIT #20. PAGE 7 OF EXHIBIT > PAGER 22 > ADMINISTRA PLAIN’ EXHIBIT #3 ve COMBINE PAGE EXHIBIT#_ >. PAGE# 7% Ifa disgeepancy | is discovered in your property’ 's records, or those of another, please bring it to our attention immediately. General Parcel Information far 0096870-095000-5 Future Land Use (Comp. To a D lan): D a pears & SE fi ct: FEMA Flood Zone rere 5/5/2003), B= See =i [ae | oi92F || | IN-_|{ 10a [12015¢. SORA OUT] *If parcel has more than 1 flood zone refer to the flood maps available o on the GIS a site by clicking on 01925 eee 12015C || COBRA_OUT iew Map below. Click here for definitions. ~ Ownership Information : Sales Information 2 MATOS MONCAE [exces Selling | Tine eros aca ET TN [vacant __|[___$9,000 ] ga ec ADMNSTRATHE COMPLAINT EXHIBIT #2 ™ “TH ig PAGER 73 Preliminary values within this box are NOT ertified (final) values. Consequently, they can g ted. Amount OF axes 1rald Dy... Tax Information To see your tax bill or pay it on-line click here. Building Inforthation Enclosed Porch (SF), (Knee Walls w/ Glass CHIBI + an ——e Ifa discrepancy i is discovered in your property’ 8 records, or those of another, please bring it to our attention immediately. ; is Me 19 MEDALIST | General Parcel Information for 0096877-055 Pode: __ _— al Le | ot jes_[Seling Price “89,900 | [$370,000 | L__si00 | ee Value Land: ar Assessed V a —_ es | _$24,247 || PAGE 2 OF , 2 PAGER 22. Preliminary values within this box are IN IT certified (final) values. Consequently, To see your tax bill or pay it on-line click here. 1 Building Information Arc Total Area | ac | pot . ROTONDA WEST WH 734/752 ADMINISTRATIVE COMP if is Pp disorepancy i is discovered in your property's roots or those of another, plese bring it to our attention immediately. General Parcel Information for 0096858-0228 00-7, es ID / Account , umber: BusinessName: | Map Number: 2B Current Use: SINGLE FAMILY __| FAMIL Future Land Use OW a Comp. Plan): a FEMA Flood Zone (Effective 5/5/2003) Firm | =] Fass as i [oar || [ COBRA_OUT | bd parcel has more than 1 flood zone se to the flood maps 1 maps availabld on the G Gis web site i licking on View Map below. Click here for definitions, Ownership Information Sales Information an] [__ $201,226 | [_$201,226 | [_ $0] pity 3 PAGER 2c Total Just Value: | $207,578 | [$207,578 ] “Preliminary values within this box are NOT ertjfied (final) values. Consequently, they an change periodically as records are ated. ea of a I = ark Set i Information To see your tax bill or pay it‘on-line click hete. Building Information Ls 2076 | 2774 fir een ie Tile SF or % [621_|[Slab on Grade (% or SI _ | fi | [Ermer ome Slab a (SF) with Roof 7 Enclosed Porch i (SF), Knee Walls | | Home @ Send Us Email Copyright © 1997-2004 Charlotte County Property Appraiser. All rights reserved. . ADMINISTRATIVE COMPUA on a Bur > PAGE# 2g. rage \ ats Tax Collector If a discrepancy i is discovered in your property's records, or those of another, attention immediately. General Parcel Information for 0096858-621900-8 1 ID / Account ; Tie ber: 0096858-021900-8 a fe se Address please bring it to our Busin PSs ness Name: | : _———____|Froperty Zin C Map Number: [Current Use: [SINGLE FAMILY (Future Land Use OWDENSITY (Comp. Plan): [RESIDENTIAL ! ee =—e Weterromt: nt: ere Flood Zone (ittestve 5/5/2003) | LS emer] os [cones] Be EON oa Loar || _—|[our ] citar parcel has more than 1 flood zone refer to the flood on available on the GIS web site by uT | x fia aoe Ro _ g on View Map below. Click here for definitions. | Ownership Information t r ULK PETER A & Name: {KATHLEEN E DULK: [Address t IB LONG MEADOW ENT is LONG MEADOW LNN_| MEADOW LN N ROTONDA WEST, FL 339471804 kag Sie Cad 7 JWACANT _| [471998 rarer [4/2005 } Taine nn ra Value Removed for! Hurricane Damage: sessed Values} $297,272 | NOT values within this box are T certified (final) values. Consequently, they can change tiodically as records are updated. Amount of Taxes If Paid By... a ee ee [iar 31] 82,342.94 Jf$2,367.34 | PRE SOE Ee al Tax Information _ | 1.12/02/05 ° To see your tax bill or pay it on-line click hete. Building Information oT Ee bb aa | Building Appendage Information 12” [Ceramie Tile GF a ile GF of %) 7 fos ecwiy em sq a 8" | -~g vy va D000 On 832/474 1434/1357 1451/633 14851546 1591/12 STIS 15 Home ® Send Us Email Copyright © 1997-2004 Charlotte County Property Appraiser, All toe reserved, ADMINISTRATIVE COMPLAINT EXHIBIT ir 4 mo * ABT 3_ PAGEH 33

Docket for Case No: 09-001156PL