Michael P. Donaldson, Robert Minarcin|Department of Business... -- eLawyers

Petitioner: DEPARTMENT OF BUSINESS AND PROFESSIONAL REGULATION, DIVISION OF REAL ESTATE
Respondent: CHAD TURNER
Judges: LARRY J. SARTIN
Agency: Department of Business and Professional Regulation
Locations: Lauderdale Lakes, Florida
Filed: Apr. 30, 2009
Status: Closed
Settled and/or Dismissed prior to entry of RO/FO on Tuesday, August 25, 2009.
Latest Update: Dec. 23, 2024

STATE OF FLORIDA DEPARTMENT OF BUSINESS & PROFESSIONAL REGULATION FLORIDA REAL ESTATE APPRAISAL BOARD FLORIDA DEPARTMENT OF BUSINESS & PROFESSIONAL REGULATION, DIVISION OF REAL ESTATE, (4 3303 pL Petitioner, v. Lo CASE NO. 2008020729 CHAD TURNER, Respondent. / ADMINISTRATIVE COMPLAINT The Florida Department of Business & Professional Regulation, Division of Real Estate ("Petitioner") files this Administrative. Complaint against Chad Turner("“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 rules promulgated thereunder. 2. Respondent is currently a Florida state certified residential real estate appraiser having been issued license 5325 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 residential real estate appraiser at 821 SE and H:\FREAB\Turner.729.doc | FDBPR v. Chad Turner Case No. 2008020729 Administrative Complaint Court, Ft. Lauderdale, Florida 33301. 4, On or about December 7, 2005, Chad Turner. (Respondent) developed and communicated an appraisal report (Report) for property commonly known as 51 Lone Pine Street, Homosassa, Florida 34446 (Subject Property), and estimated its value as $368,000.00 A copy of the Report is attached hereto and incorporated herein as Administrative Complaint Exhibit 1. 5. At the time Report 1 was developed and communicated, Respondent was a State Certified Residential real estate appraiser. 6. Respondent made the following errors and omissions on the Report: A) Misstatement that Subject Property had a fireplace, when it did not; B) Failure to verify the correct gross living area for comparable sale 1 when there is a discrepancy between the work file documents; C) Misstatement of the garage size for comparable sale 1; D) Adjustment for fireplace on comparable sale 1, when it was not necessary; E) Adjustment for bathroom count and square footage, without explanation of its necessity or market support of its accuracy, for comparable sale 1; F) Failure to note that comparable sale 2 had a finished H:AFREAB\Turner.729. doc . . 2 FDBPR v. Chad Turner Case No. 2008020729 Administrative Complaint utility shed; G) Failure to make an adjustment or provide an explanation for no adjustment on comparable sale 2 for it’s finished utility shed; H) Adjustment for fireplace on comparable sale 2, when it was not necessary; I) Adjustment for bathroom count and square footage, without explanation of its necessity or market support of its accuracy, for comparable sale 2; J) Failure to note comparable sale 3 has a pool; K) Failure to make an adjustment or provide an explanation for no adjustment on comparable sale 3 for it’s pool; L) Incorrect sale date for comparable sale 3; M) Failure to verify the. correct gross living area for comparable sale 3 when there is a discrepancy between the work file documents; N) Adjustment for fireplace on comparable sale 3, when it was not necessary; ©) Adjustment for bathroom count and square footage, without explanation of its necessity or market support of its accuracy, for comparable sale 3; and P) Failure to disclose and display the appropriate designation in the Report. HAFREAB\Turner.729.doc 3 FDBPR v. Chad Turner Case No. 2008020729 Administrative Complaint 7. The work file lacks a copy of the contract engaging the appraiser’s services for the subject Property. 8. There:is no documentation in the work file to support the $10/square foot Gross Living Area adjustments made to all comparable sales in the Sales Comparison section of the Report. 9. There is no documentation in the work file to support the $70,000 Opinion of Site Value adjustment made in the Cost Approach section of the Report. 10. There is no Marshall and Swift information in the work file, when Respondent lists this as a data source, to support the adjustments and data used in the Cost Approach of the Report. 11. The work file lacks any MLS documents for comparable sale 3, when Respondent lists this as a data source in the Sales Comparison section of the Report. 12. There is no documentation in the work file to support the following information in the Sales Comparison section for comparable sale 3: "Room Count; Functional Utility, Heating/Cooling; Energy Efficient Items; and Garage/Carport. 13. There is no documentation in the work file to support the $5,000 Age adjustment to comparable sale 1 in the Sales Comparison section of the Report. 14. There is no documentation in the work file to support the $2,000 “bathroom” adjustment to comparable sale 1 in the Sales HA\FREAB\Turner.729,doc 4 FDBPR v. Chad Turner . - Case No. 2008020729 Administrative Complaint Comparison section of the Report. 15. There is no documentation in the work file to support the $10,000 Pool adjustment to comparable sale 1 in the Sales Comparison section of the Report. 16. There igs no documentation in the work file to support the $2,000 “3-Car” Garage/Carport adjustment to comparable sale 1 in the Sales Comparison section of the Report. 17. There ig no documentation in the work file to support the $2,000 Fireplace adjustment to comparable sale 1 in the Sales Comparison section of the Report. 18. There is no documentation in the work file to support the $2,500 Age adjustment to comparable sale 2 in the Sales Comparison section of the Report. 19. There is no documentation in the work file to support the $3,500 “bathroom” adjustment to comparable sale 2 in the Sales Comparison section of the Report. 20. There is no documentation in the work file to support the $10,000 Pool adjustment to comparable sale 2 in the Sales Comparison section of the Report. 21. There is no documentation in the work file to support the $2,000 ™3-Car” Garage/Carport adjustment to comparable sale 2 in the Sales Comparison section of the Report. 22. There is no documentation in the work file to support the H:AFREAB\Turner.729.doc 5 FDBPR v. Chad Turner Case No. 2008020729 Administrative Complaint $2,000 Fireplace adjustment to comparable sale 2 in the Sales Comparison section of the Report. 23. There is no documentation in the work file to support the $5,000 Age adjustment to comparable sale 3 in the Sales Comparison section of the Report. 24. There is no documentation in the work file to support the $2,000 “bathroom” adjustment to comparable sale 3 in the Sales Comparison section of the Report. 25. There is no documentation in the work file to support the $2,000 “3-Car” Garage/Carport adjustment to comparable sale 3 in the Sales Comparison section of the Report. 26. There is no documentation in the work file to support the $2,000 Fireplace adjustment to comparable sale 3 in the Sales © Comparison section of the Report. A copy of the Respondent’s work file for the Report is attached hereto and incorporated herein as Administrative Complaint Exhibit 2. 27. Respondent, in his work file, includes data regarding additional comparables that are more gimilar to the Subject Property and sold for significantly less than the opinion of market value in the Report. Respondent failed to use or discuss these included comparables. A copy of the comparables included in Respondent’s work file as well as the Citrus County Property Appraiser’s Public Records for the properties is attached hereto H:A\FREAB\Turner.729.doc 6 FDBPR v. Chad Turner Case No. 2008020729 Administrative Complaint and incorporated herein as Administrative Complaint Composite Exhibit 3. 28. Pursuant to Complainant’s property insurance being cancelled due to an overvaluation of the Subject Property, a review appraisal for the Subject Property was developed and communicated for the Insurer. This review appraisal demonstrates that better comparables for significantly lower values were present during the time Respondent developed and communicated his Report. A copy of the letter from Complainant's insurer is attached hereto and incorporated herein as Administrative Complaint Exhibit 4. A copy of the review appraisal as well as the Citrus County Property Appraiser’s Public Records for the properties used as comparable sales in the review appraisal is attached hereto and incorporated herein as Administrative Complaint Composite Exhibit 5. COUNT ONE 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. COUNT TWO Based upon the foregoing, Respondent is guilty of failing to disclose and display the appropriate designation in writing in all appraisal reports in violation of Rule 6101-7.001(1) and (2) (c), Florida Administrative Code and Section 475.622, Florida Statutes HA\FREAB\Turner.729.doc 7 FDBPR v. Chad Turner . Case No. 2008020729 Administrative Complaint and, therefore, in violation. of Section 475.624(4), Florida Statutes. COUNT THREE Based upon the foregoing, Respondent has violated a standard for the development or communication of a real estate appraisal, specifically the Conduct Section of the Ethics Rule, or other provision of the Uniform’ Standards of Professional Appraisal Practice (2005) in violation of Section 475.624(14), Florida Statutes. COUNT FOUR Based upon the foregoing, Respondent is guilty of fraud, misrepresentation, concealment, false promises, false pretenses, dishonest conduct, culpable negligence, or breach of trust in any business transaction in violation of Section 475.624(2), Florida Statutes. COUNT FIVE Based upon the foregoing, Respondent is guilty of failure to retain records for at least five years of any contracts engaging the appraiser's services, appraisal reports, and supporting data assembled and formulated by the appraiser in preparing appraisal reports in violation of Section 475.629, Florida Statutes, and, therefore, in violation of Section 475.624(4), Florida Statutes. HA\FREAB\Turner.729.doc 8 FDBPR v. Chad Turner Case No. 2008020729 Administrative Complaint COUNT SIX 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 SEVEN 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), (b), (£), and (h) (ii), or other provision of the Uniform Standards of Professional Appraisal Practice (2005) in violation of Section 475.624(14), Florida Statutes. COUNT EIGHT 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) and (b), or other provision of the Uniform Standards of Professional Appraisal Practice (2005) in violation of Section 475.624(14), Florida Statutes. COUNT NINE Based upon the foregoing, Respondent has violated a standard H:A\FREAB\Turer.729,doc 9 FDBPR v. Chad Turner Case No. 2008020729 Administrative Complaint , for the development or communication of a real estate appraisal, specifically Standards Rule 2-2(b) (ix), or other provision of the Uniform Standards of Professional Appraisal Practice (2005) in violation of Section 475.624 (14), 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 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 6131-8.002, 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, H:AFREAB\Turner.729.doc : 10 FDBPR v. Chad Turner Case No. 2008020729 Administrative Complaint 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 61071-8.002. H:A\FREAB\Turner.729,doc i FDBPR v. Chad Turner Case No. 2008020729 Administrative Complaint ; SIGNED this IO day of C zk hres ) , 2008. Professional Regulation Thomas O’Bryant, Jr., Director, Division of Real Estate Keay ee sncnonesapen seats suneas . ONY enn . ATTORNEY FOR PETITIONER Robert Minarcin Senior Attorney Fla. Bar No.163147 Division of Real Estate Legal Section 400 W. Robinson Street, N801 Orlando, Florida 32801-1757 (407) 481-5632 (407) 317-7260 - FAX PCP: SD/FG 10/08 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 H:\FREAB\Turner.729.doc 12 FDBPR v. Chad Turner Case No. 2008020729 Administrative Complaint 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 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. H:AFREAB\Turner.729.doc 13 {he Applatsal Fires (440) 717-0800 Uniform Residential Appraisal Report etn STRUT Pte as} Garberg Fle# §12015 The of this summa Is lo prodde the londer/diont with an accurate, and adequately supported, ton. of the market vaie of the sublect property, Property Adtress _51 Lone Pine Street Sity_ Homosassa State Ft ZipCode aase.5745 Bonowe Petar Garber Ovmer of Pubiic Record Joseph Reed County Carus Legal Desciption SUGARMILL WOODS OAK VLG LOT 33 BLK 176 DESC IN OR BK 808 PG 309 Assessor's Paivel # _18£20S130020 01760 0330 Tax Yeat_ 2005 RE. Taxes § 405.14 Helgibortioad Name Suganmnié Woods “Nap Aleience “See Addenda Census Tract 9816.00 Owns [) Tenant (J vacant Spetil Assassmarts $ See addenda, Bg Pu HOA $'g5.00 “Bd per t sont g Y Rights Appraised | Fee Simple JLeasdhold (_] Onner Meseriteh Assignment Type _[X] Purctase Transaction {] Rativarce Transaction [7] Otter (describe) LendeOfent CTX Morigage Com pany: Adiress _3400 McKinnon Street &th Flor, Datias, TX 75201 {8 the sutfect property currenlly offered for sale oc his & bean offered {or sae Inthe IWelve montis prior tothe effective date of tis apyaalsal? Bayes FT tio data source(s) used, offering price(s), and date(s), Purctiasé Agreemert, MLS, County Property Appraiser | Bo did [} aid not anatyze the contract tor Sa tot the perlormed. The purchase sgreement subjeot purclzise transaction Exqlain the ress of the analysis of the contrac for sale of wity the analysis Was not Sppears to be e valld arms length transaction There is no evidence € of any fraudulent exchanges made within his sales transaction. Contract Price § 296.235 Date of Contact 10/28/2005 _ 1s Bie properly seller te owner of pte record? Dxlves [fic Data Sourcate) 2 Hs there any tnartcial-assistance (oan charges, sale concessions. gift H Yes, report the total dotar amount and deseribe the tems to be pald, or downpayment assistanca, etc} to be paid by See Attached Addenda. ‘any party on behatf of the borrower? DYe no 0 rapa 4 it aff Values ExT increasing —[} State Deo AGE [Dre-tnit _ 36 %) Py Guit-Up [_] Over 75' 25-75% |) Under 25% EK) Shotage {n Balance [] Over Supply | .$ (000) yrs) (2-4 Une 5% Ss] Grovth (x) Rapid Stable Metheting Time Dsl Under Srntig [7] 3-6 mitts [7] Over mths | 200. Low New 6% Neighbortiond Boundaties The subject neighborhood & bounded by Oak Vitage Blvd. to the northwest S. [00 High §0 | Commercial 5% a] Richtop Terrace t6 the east, and W. ponce Dé Leon Biya. to the south, 350 Pred 20 | Other 60% Neighbortioad Oescription ~The subject is located fn the dity of Homosassa. Homes in the aiea vary with respect to siz al alive ing, Sctiools, recteational faciities, as well as other the Tampa metropolitan area. Support faciities are within cbse proximity, Mal lot employitient centers are located within Market Coriditions (lactuding support tor the above: coactustons) See Attached Addenda Dimensions 106 x 120 Ata_.30 Actes Shape_Rectangular View Residential Zoning Deseription Piannied Development ic Zoning Classilication PDR Zoning Compliance [*} Leal [1] t al Nonconfonming ¢Grandtathered Use) {Wo Zoning {I Negal (describe) is the highest and best use of ae opty a irre (res pope pr san aust We oa Bd Yes Tye” iia, descrite Uuittles "Public Other (desorbe) Public Other (destriba) Ofi-sta improvements - Type Public Private Bectricty Water ky Sted _Asprat Gas None Sanitary Sewer f] Rey None fi FEMA Special Hood ifazard Area _[“T Yes Be] Ho FEMA Rood Zone c FEMA tap # 12006303358 FEMA Map Dale 8/15/1984 [Ave the wdiftfies and otf-stte improvements yptcal (ov th market area?” CT Yes [J Wo _itNo, desctite. : Ate there ary adverse site conditions or extemal taclofs {easéments, encrgachriens: environmental conditions, aduses, eit)? [1 Vés (J Ho if Yes, describe. See atlached addenda. Unts 5d Ove ("] Ore vith Uri ID] Concrate Stab. ‘Gravé Space Foundation Walls oncrete Block/New |Foars, # ol Stories 1 Fu Basement Partial Basement [Exterior Walls Stuceo/New Wats 1¢ PX) Det. (} Att, [J §-Oet End Uni [Basement Area Slab_sqilJRool Surface FibergiassiNew Ty Fcistt visti Proposed |} Under Const] Basement Rash Nia %[Guters & Downspolts Aluminum/New Bath Hoo ¢ Es Design (Gtyle) Ranch Outside EntryExt Sump Pump [Window Type Singte Hung/New [Bath Wattscat CeramiciNew Year Built New JEvidenoa of {"] infestation wa, Storm Sastvinsuated Ingulaled/New Cer Storige Hone Elfective Age (tis}_ New Dai emer Soreetis lnsulated/Yes x] #ofCars TaD Attic Nong leati FWA VB ||} Radiant|/Amenties Wondstove(s) #"" |Ddveway Surface ‘Conetete- DropSar —(_) Stairs Otter Fud Electric Freplace(s) #1 (7) Farce Garg wolcas 2 Foor LX Seutie [Cootng 4 Central Ai Conditioning Pafiofeck Patio (x) Poth Enin Coport__# of Cars Finished C1 Heated (77 trattaas J Other Poot Other At, Det, Buta} nces [_} Retrigeratar fen {_) Dishwasher EX) Microwave _{_] Waste Oteer (desciite) Security System Finished area above grade contains: & Rooms 3 Bedroons 2. Baths) 2,189 _ Square Feet of Gross Living Area Above Grade. Addhional teabres (spectal energy efficiend tems, etc). Insulated windows. Security system. DBesuibe tre cenditon of the property (nawiag needed repr, deeroraion reancdios, eodeing. ac], __No functional or external obsolescence is noted, The Subject is newly constructed home. This report assumes that the lol & buildable ard will be approved by toca! officials. Are there any physical deficiencies ot edvetse conditions thal affect tho Fvabiity, soundness, or Struchyral iiegrty of the property? Cl] es Bx) Wot ¥es, describe Does the property genetally confor to ttre neigbortiogd (iunctional utlity, style, condition, use, construction, ett)? Dove Cite iifto. describe Freddte Mac Form 70 Maich 2005 Page t of 6 Form 1004 — ‘TOTAL tar Windows" appralsat software by & & motte, ino, — 1-800-ALAMODE ADMINISTRA COMPLAINT . EXHIBIT xl a, UE Fannie Mae Form 1004 March 2005 There are 20 compatable properties curently otiaied tor sale ta (ea. SPOS] Pate #8) Gatberg Fla # 512015 to$ 800,000 Uniform Residential Appraisal Report lhe subject neighbiatiood ranging tn price from $ 200,000 There are 20 com FEATURE Address 51 Lone Pine Street Sut sales in the subject nel in sae price ftom $ 200.000 to $ 600.000 COMPARABLE SALE #2 i COMPARABLE SALE € 3 86 Grass Street 11 Foxglove Court fithin the past twelve months ECT 17 Foxgove Cout Homosassa, FL 34446 to Subj Sale Price Homosassa, FL 34446. __{Homosassa, FL 34446 17 mi 4 mle 370,000) 3535! 386,500/23: Homosassa, FL 34446 i st i$ Sate Price/Gross Liv, Area deena ty LESSEE 119.21 Data Source(s) Extefior inspection Verification Sam ce(s} VALUE ADJUSTMENTS Sales or Financing Concessions Gounty Propet DESCRIPTION Conventional Unavailable rabenMls. (-} $ Adj Eve Date of SaiefTime Location [Sugarmil Woads_| Sugarmill Woods 6/4(2005, Su Wooits Fee Simple 30 Acres Fee Simple 82 Acres Fee Simple 28 Actes Residential Residential Rerich Residential Ranch Ranch Stucco Stucco Stucco New § Ss: New 20d, Good. [ey Tote [Barre i Bats 7 “2,548 $9.8 sa NA Functional valty Avera: 4 Heating/Cooing EAICAC ¢ Efficient tems ins. windows, its. ed Forcast earn “2,00013-Gar Attach#a <2.000]8-Cat Atinciha 7 PorotiPatis _{Poreh/ Patio: 3-Car Altact# t PorelPatio FA Pools). ect. la-Ground Pookt 1-Firepboe 10,000! None Pe pt- +2,000|None has { None t 4 Fireplace(s) ed Red Adhistmart (Tota [ S. 17,650) Is 3,630) + 7 ‘Aduisted Sale Price of F if 1_By did [J did not teSearch the sale or transfer 10,0001 n-Graund Poo! + 42.000|None i ca + os 10.590! [T+ 67. fet 29 4 Net 46% Gross 66% 13 359.410] Gross 69 % 1S story ofthe subject roperty and comparable Sales. tot, etahr Wet 1.4% 368,860) Grass 52 %it 336,370) research DX) did [T°] did not reveal ny lr es wastes ot sbjool ope fa ioe yar ro he es Gla NSA. Data Source(s) Public Record My tesearch_[] dt (J did not reveal 20 Peo sales Wales of tha comparable Saas fof the yea porto ta date ol Sale Olli comparable la Data Source(s) Re the testats of the feseatch and ara lysis of (he prior sale of trarister history of the sutject and commsarable sales (report additional prior gales ont page 3), eM SUBJECT COMPARABLE SALE #2 COMPARABLE SALE #3. Dale af Pitor Sata/Transtey No arms length transfars i No arms lengihtransfers Price of Prior Sale/Trahsfer within a thiee year petiod, _ |within.a three year period, Data Source(s) Public Record Public Records Etfective Dateé of Data Sources) 42/7/2005 122008 4272005 Analysts of prior safe or transter tistary of the Subject property and comparable sales Summary of Sales Comparison Approach The Sales Comparison Analysis. indicated an adjusted value range of $336,370 to $368,850. Al sales. ate taker re consitered retabis. indicators of value in you appraiser's opinion. Due to lack of more recent sim#ar recorded from similar neighborhoods and ai sailgs of hew ranch homes in the subjéct’s immediate are ea within a 6 month irerisfer period, your a has expanded the search pargmet beyond the desked 6 months for those sales, which mo: st closely share stmitar ivabilly, markelabildy, siza and overall utiily, so.as to compare the closest buyer altematives, After a in extensive search of the jarables chosen are considered to be Subject's and surrounding markets areas, the comp: | appropriate indicators of vale. Indicated Valve by Sales ison roach $ 368,000 income Approach (if developed) $ Indicated Value by: Sates Comparison Approach $ 368,000 Cost Approach (f developed} $$ 296051 GRM Analysis is not employed due to the fack of rental sales, Tha Gost Approach and the Sales Spproaches used ih estimating the value of the hypothetical dwefing . Thls appraisaf is made ("] "ass", Ba) subject to ‘completion per completed, [] subject to the following repairs or alterations h Joking rogues inspection basat on te exranrdhaty assupior at he condton or dete does no ee staan oc rep Based on « complete viounl inepection of the inferior end exiotior areas of the aumjeek , Gefined scone of work statement of assumptions con of ditions, end eppraicer’s certification, my (out) opinion of the warket value, as definad, af ‘eal property that is the subjed of this report Is $368,000 __,asof__ Decemibér 7, 2005 which f the date of fon end the effective date of this 4 L. Fannie Mae Fotm 1004 March 2005 Freddie Mac Form 70 March 2005 Page 2 of 6 Comparkon Analysis are the primary + ee atiached addenda, and Erelting Forin 1004 —~ “TOTAL for Windows" appraisal soitware by a'la mode, Ino, —1-800-ALAMODE ADM RATIVE © EXHIBIT tt. = . OF OMPLAINT. 4 Garberg ort Fla # 512015 ortgade lending purposes of CTX Morigage Company LLG, This is a compete appraisal summary report, This report has been prepated for me {tis nol intended for use by other parties, Electronic signatures are utiized mn this, fepor. The Uniform Standards of Professional Appraisal practice and thé Appraisal Standards Board state. that electronically affixing a signature to a Jeport carries the same level of authenticky and fesponsibiity 4s an irk signatufe on A papet copy tepott the term written records includes information stored on electronic, magnetié ar other inedia), All electrons signattires in this réport have 4 secur feature maintained by indivkiual passwords for each appraiser. No Person can alter the appraisal wt the exception of the original si gning appraiser. Information was verified whan possible thrdugh public records, mul-isting seivicés, real astate agents and éiterlor inspections, This thefuded verttcation that the comparables are actually closed sales and the transactions are arms tength No veriféa tori technique is always accurate, but the appraiser has made the assumption (hat all data is accurate 'aé reported. Variances wal occur from Hm fo time on the indicated sizas oF comparables shown in MLS services of isting pages. f ths elre used inthe MLS sheets does not correlate wih the othar known data, She appraiser May use other methods to determine the size of the comparables. These include assessors sheets, physical inspection and use of interior teom measurements along with a multiplier to depict size based on exteriof measufements. The deviation of the eomparable size from published sizes only indicated an attempt at higher accuracy in the report. There are times that the exact size'and Features found in comparables can.not be vision phigh. en tines. Ihboring Land sales end listings within the subject. é been not been calculated Into the basic site value. 2187 SOLOS 468 REE ising the “average” tables. Alltime ang location modifiers are used ¢ appropriate. All depreciation is the appraiser's best estimate-supported by the modified age/life method. See the sketch for square foot calcufations. = NA X Gross Rant ktllchir By Sunrnary of fncoms Approach (including support (or market ax and GRIM) aga Name of Prot Oak Vitage _ Total menber of phases 1 Total number of units 3200 Tefal number of mits sd 1400 Fo] Total purr of units roxied Total number of units for sala NUA Data sourte(s)_Gak Vilage BS Was the project created by the conversion of sisting building(s) ito a PUD? [J Yes 2] No_Hf Yas, date of conversion, Fe] Doos the project contain aniy mutt dieing ats? ["] Yes [x} No Data Sowrce “Oak Vilage £4 Are the wits, comndn demenis, and recreation tices Gompiete? EX) Yes_[] Ro_it No, desorbve fa status.of completion, Are the comirtan elemerts leased to or by the Homeowners’ Assoclation? ies IX] No {Yés. desctibe tha rental tames and options. Describe common starients and recreational facilites. Common gresnspace Freddie Mac Fon! 70 March 2005 Page Sore Fanaie Mae Form 1004 March 2005 Farm 1004 — “TOTAL far Windows" ‘appraisal software by a la mode, ine. cone BACE UNINISTRAT IVE COMPLAINT a exuipir eo) fk OS Garberg Fla # 512015 Uniform Residential Appraisal Renort This report form is designed to report an appraisal of 2 one-untt property or a one-unit roperty with ah accessory unit: including a unit in a planned unit development (PUD). This report ‘om ts not designed ta report an appraisal of 2 manufactured home or a unit ia a condominium of Cooperative project. definition of market value, Statemnent of assumptions and limiting conditions, and cettificatians. Modifications, additions, or daledons to the intended use, Intended user, definition of market value, or assumptions and limiting conditions are nat pennitted. The appraiser may expand the scope of work to include any additional research or analysis necessary based onthe complexity of thls appraisal Feparting requirements of thi assumptions and limiting conditions, and certifications. -The appraiser tust, at a minimum: (1) perform a complete visual Inspection of thé interior and exterlot areas of the subject propeity, (2) Inspect.thé neighbortiood, (3) inspect each df the Comparable sates 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 ih this appraisal report. INTENDED USE: The intended use of this appraisal report.ts for the lender/olient to evaluate’ the property that Is the Subject of this appraisal for a mottgage finance transaction. . INTENDED USER: The Intended user of this appraisal report is the lender/cttent. ‘ , wn | rast; (3) a reasonable time Is allowed tor exposure In the open market; (4) payment Is made in terms of cash in U, §. dollars or in tens of financial arrangements comparable thereto; and (5) the price represents the netal 4” Ceilings throughout Spanish lace finiah on walls and ceilings Tray ceilings in-Master Bedroom, Dining Rooin, and Family Room 3 columus separate the Diniag Room from the Living Room Tile flooring in Foyer, on Pathway to Kitchen, the Kitchen, the Family Room, and the Breakfast Nook Uhh ROOFING: 30 YEAR DIMENSIONAL SHINGLES Kf, Lf, 4 7 en £B@aLEECSE i. iT GABS/TE/OT €@ BOVd Nov. 29. 2005 9:48PM : — No-3731 Pe 10 MET ES = ARS y ay 3 RA TET PE? ae Lp oe Sr . fit Hi) t 7 ti} ! i ‘ Bpnacse ta Al... $082 / TE/Ot SEA LLY : 63. ‘£9 AUMUNISTRATIVE COMPI Iked leegron exHisit #2 pace /Y OF Nov. 28. 2005 2490 _ — No.873h PL 12 EXHIBIT #2 - 4 70 : pace 22. Nov.29. 2005 3:49PM — No.873l Pe 13 | H a a — ile am iL 42 Z Frsssese BE!AT soez/te/ oat NA : f ADMINISTRAY 88° 39Vd Nm 3: _ NoS731 P14 Nov.29. 2 Sr eee ne a ate = ac) Widd WINN FAL s: Ze wien | 68 39¥d DQ) “losfossszae F) Li drt { i Pe AAivin & ‘ ; BEBE 9082 /TE/aT PPE Sad Bit meee Cc | 9 EEN 4B QE nccennenene neem V2 D) oe PAGE eho — No 873 Pe 15 ee ft Li Nov.29. 2005 3:50PM SEiat gaaZ/TE/eT @B26SzSe tii us G. LAINE exnisit ¢@ (OF neem aS DwiNiolt PAGE bye 7 Nov.29. 2000 J: duRM ee INFINITY HOMES OF HERNANDO INC 10177 CORTEZ BLVD BROOKSVILLE, FL 34613 =a Name / Address Il 38¥d £8BGce9cSe BEiat geaa/tE/at wa LEARNT pohipibed Pek ba Re ee . phon ice Pot qy / way a: women Nov. 29. 2005 3:51PM INFINITY HOMES OF HERNANDO INC | 10177 CORTEZ BLVD Estimate PROGRSVILE, FL SA63 10/28/2095 | * | ADWANISTRAlive COMPLAINT zl Bd » EXHIBIT #_O. === awadeazse §=— se 0T aac steer Sen 1 race 5 ’ pane @0 oF Nov.29- 2000 J:9IFM 44 INFINITY HOMES OF HERNANDO INC 30177 CORTEZ BLVD BROOKSVILLE, FL 34613 Estimate — eam o / ET 30d ~ GEA 8BGZ/TE/AT ALIVINISTRARVE COMPLAINT. EXHIBIT to nant PAGE o%b _. one Btl PAGE, Io Page 1 of 1 MELANIE J. HENSLEY, C.F.A. . ' CITRUS COUNTY PROPERTY APPRAISER “Note * Zoning information should be verified with Development Services. All data contained herein is for assessment purposes only. 2ROPERTY RECORD CARD Reported On: Thursday December 1 2005 11:15 AM Tax Roll in Work From: WEB Alternate Key: 2188685 urrent Owner: ~ Parcel Status: Active Parcel1D:13 208 18E 0020 01760 0330 .EED JOSEPH WERNER & Millage Code: 0OSW Sugarmill Woods A . ‘HRISTINE E CLAYTON Zoning: PDR Planned Development(See Overlay) Neighborhood: 5414 O BOX 4139 9: e pment(See Overlay’ PC Code: 00 Vacant Single Family Residence IOMOSASSA FL 34447 Parcel Map Location: Sec: 29 Twp: 20S Rng: 18E Subdivision: Location: 00051 Lone Pine ST Homosassa History of Taxable Value For Altkey 2188685 ix Year Just Assessed Exempt Taxable Tax Est.Land ~ Est. tmp. Cost Feedback Income PC Code Value Value Value Value Levied Value Value Estimate Estimate Estimate 05 00 21,200 21,200 0 21,200 405.14 25,000 0 25,000 0 0 04 00 9,300 9,300 0 9,300 199.08 11,000 0 11,000 0) 0 03 00 8,500 8,500 ie) 8,500 179.00 10,000 0 10,000 0 0 02 00 7,800 7,800 ie) 7,800 168.57 9,000 0 9,000 0 0 01 00 7,700 7,700 ie) 7,700 167.03 9,000 0 9,000 ie) 0 ‘00 00 7,400 7,400 0 7,400 152.25 9,000 0 9,000 i} 0 199 00 6,600 6,600 0 6,600 137.64 8,000 0 8,000 9) 0 198 00 7,000 7,000 ie) 7,000 146.33 8,500 0 8,500 0 0 Special Tax District Info For Altkey 2188685 District Units Rate per Unit Taxable Amount 0019 Sugarmill Woods 4,00 $24.60 $24.60 Total Special Tax Amount: $24.60 Sales History For Altkey 2188685 Book Page Sale Date _—Instr. Code Transfer Code vit Price 1772 1235 OCT / 2004 00 Warranty Deed 4 Right Of Survivorship Vv $25,000 )808 0309 FEB /1989 14 Sale/ More Than 1 Parcel 0 None Vv $31,000 Land Description For Altkey 2188685 SUGARMILL WOODS OAK VLG LOT 33 BLK 176 DESC IN OR BK 808 PG 309 Land Value Computation & Summary for Altkey —- 2188685 Actual/ Std/ Eff Actual / Std : © [+-—---- Adjustments ---------- | -L Land Use / Zoning Front Depth Units/ Adjd Units - Rate Dpth Siz Loc Shp Phy Lot TEFU Value Est 31.0008 Nonwtr 10¢ 0 /0 420/0 1.00 1 25,000.00 100 100 100 100 100 100 1 $25,000 Zone Info: PDR Planned Development(See Overlay) Type Lot Land Notes AGU HxLink: I Inspection Data for Altkey 2188685 7 Appraiser ID: 030 inspection Date: 07 Mar 2005 Review ID: 030 Review Date: 13 Mar 2003 Notes for Altkey 2188685 JOSEPH WERNER REED & CHRISTINE E CLAYTON JTWROS Op Bn EP | “pane 1 prc 77 Citrus County Property Appraiser Page 1 of 2 Melanie J. Hensley C.F.A. Citrus County Property Appraiser Current Taxroll In Work As Of 23-NOV-05 Owner & Property Information Altkey 2188685 Owner REED JOSEPH WERNER & Name CHRISTINE E CLAYTON Mailing PO BOX 4139 Address © HOMOSASSA FL 34447 Site 00051 LONE PINE ST Address HOMOSASSA Parcel Neighborhood Millage Code/ Map Map Map Identification Code PC Code / Dese. Dese. Sec Twp Rng (00) VACANT (00SW) eee os0 5411 SINGLEFAMILY | SUGARMILL 29 2018 RESIDENCE WOODS Tax History Year Crile wt Assessed Exemptions Taxable tan a Improvements Cost Feedback 2005 00 $21,200 $21,200 $0 $21,200 $25,000 $0 $25,000 $0 2004 00 $9,300 $9,300 $0 $9,300 $11,000 $0 $11,000 $0 2003 00 $8,500 $8,500 $0 $8,500 $10,000 $0 $10,000 $0 2002 00 $7,800 $7,800 $0 $7,800 $9,000 $0 $9,000 $0 2001 00 $7,700 $7,700 $0 $7,700 $9,000 $0 $9,000 $0 2000 00 $7,400 $7,400 $0 $7,400 $9,000 $0 $9,000 $0 Sales and Transfer History Book Page Month Year Instr. Code Transfer Code Vae. / Sale Imp. Price : * -RIGHT OF . 1772 1235 1ofid 2004 WARRANTY DEED SURVIVORSHIP Vv $25,000 SALE / MORE THAN 1 : 0808 0309 02 1989 PARCEL NONE Vv 431,000 Full Legal Description SUGARMILL WOODS OAK VLG LOT 33 BLK 176, DESC IN.OR BK. 808,PG 309 EXMIBET pea —esatertcd ene 0. ‘ - Fine a Oo htipilhvww pacitrus fhusiplsnallak data. nak i 9Gfsoas 2 SIP enmncncenmenmrmncensne 1719 /9.)(0)5 Citrus County Property Appraiser Page 2 of 2 Land Value Summary Land Line Land Use Zoning Front Depth Units Value Estimate 001 SFR NON-WATERFRONT PDR 106. 120 1 seSTRALIE CUMPLAL we —_ _ ~~ EXAIENT | eace.f y jn=2 188685 12/1/2005 httn-/Awww.pa.citrus.fl.us/pls/nal/ak_data_nal? Citrus County Property Appraiser Page | of 2 = Melanie J. Hensley C.F.A. iy Citrus County Property Appraiser 2005 Certified Tax Roll Owner & Property Information a Altkey 21 88685 Download Section 22g... ap : REED JOSEPH WERNER & Interactive Section 2. 45) CHRISTINE E CLAYTON Map ae Owner Name PO BOX 4139 Property Record ae Card Mailing Address Tax P t HOMOSASSA FL 34447 ax baymen Information Site Address 1 OanSaAL st Tax Estimator Parcel Neighborhood Millage Code/ Map Map Map Identification Code PC Code / Desc. ; Desc. Sec Twp Rng (00) VACANT (00SW) eo Onn 5 0 5411 SINGLE FAMILY SUGARMILL 29 ~=-20 18 RESIDENCE WOODS Tax History Year Pe Just Assessed E ti Taxabl Land Improvements Cost Feedback Code Value ‘S8¢ssed Exemptions Taxable yj aiy¢ mp en ee 2005 00 $21,200 $21,200 $0 $21,200 $25,000: $0 $25,000 $0 2004 00 $9,300 $9,300 $0 $9,300 $11,000 $0 $11,000 $0 2003 00 $8,500 $8,500 $0 $8,500 $10,000 $0 $10,000 $0 2002 00 $7,800 $7,800 $0 $7,800 $9,000 $0 $9,000 $0 2001 00 $7,700 $7,700 $0 $7,700 $9,000 $0 $9,000 $0 2000 00 $7,400 $7,400 $0 $7,400 $9,000 $0 $9,000 $0 Sales and Transfer History Vac./ Sale Book Page Month Year Instr. Code Transfer Code Imp. Price RIGHT OF 1772 1235 10 2004 WARRANTY DEED SURVIVORSHIP Vv $25,000 ogos 0309 02 1939 SALE/ MORE THAN | NONE V $31,000 PARCEL oo sunt at ERE LP —— fe 0. 2S. POE eS http://www.pa.citrus. fl.us/pls/roll2005/ak_data_! 20057ak | in=2188685 12/1/2005 Citrus County Property Appraiser Page 2 of 2 Full Legal Description SUGARMILL WOODS OAK VLG LOT 33 BLK 176 DESC IN OR BK 808 PG 309 Land Value Summary yang Land Use Zoning Front Depth Units Exunte 001 WATERFRONT DEVEL OPMENTISEE OVERLA 106 120 1 $25,000 ADMIN ISTRATIVE COMPLAINT. 3 Hf emu vanetnmannera msn CS PAGE .. abo QF ——o XHIBIT, pace hitn://www.pa.citrus.fl.us/pls/roll2005/ak_data_2005?ak_in=218 8685 12/1/2005 eal Citrus County Property Appraiser Fage i of 2 Melanie J. Hensley C. F. A. Citrus County Propriy Appraiser 2005 Certified Tax Roll GOO Download Section Altkey 2188685 Map oO + Name REED JOSEPH WERNER & Interactive Section wher Nam CHRISTINE E CLAYTON Map PO BOX 4139 Property Record rs , Card Mailing Address Tax Payment HOMOSASSA FL 34447 yeniadre Information Site Address TOMO Ce RINE sT Tax.Estimator Parcel Neighborhood Millage Code/ Map Map -Map Identification Code PC Code /Dese. Desc. See Twp Rng (00) VACANT (00SW) aera 5411 SINGLEFAMILY SUGARMILL 29 20. 18 RESIDENCE WOODS Year oni vite Assessed Exemptions Taxable bs < Improvements. Cost Beedhadk 2005 00 $21,200 $21,200 $0 $21,200 $25,000 $0 $25,000 $0 2004 00 $9,300 $9,300 $0 $9,300 $11,000 $0 $11,000 $0 2003 00 $8,500 $8,500 $0 $8,500 $10,000 $0 $10,000 $0 2002 00 $7,800 $7,800 $0 $7,800 $9,000 $0 $9,000 $0 2001 00 $7,700. $7,700 $0 $7,700 $9,000 $0 $9,000 $0 2000 00 $7,400 $7,400 $0 $7,400 $9,000 $0 $9,000 $0 Sales-and Transfer Book Page Month Year Instr. Code - Transfer Gode Vacs Sale Imp. Price RIGHT OF e 1772 1235 10 2004 WARRANTY DEED SURVIVORSHIP Vv $25,000 0808 0309 02 1989 SALE/ MORE THAN 1 NONE V $31,000 PARCEL Uitrus County rroperty Appraiser Page 2 of 2 - Value Line Land Use Zoning Front Depth Units Estimate SER NON- (PDR) PLANNED 001 WATERFRONT DEVELOPMENT(SEE OVERLA 106 120 1 $25,000 Q@O a Dryitaco bias py} We, Gani SAINT aust epaae 2 GES is . OF Lista eae etme EAI Citrus County Tax Collector Citrus County Tax Collector Page 1 of 2 Site Provided by... governmax.com 1, 44 at Number lofi >| (=i) Aczou Tax Year 7S) fel Tax Record (>) (fe) . Last Update: 12/3/2005 4:31:10 AM ET Details P Tax Record Ad Valorem Taxes and Non-Ad Valorem Assessments » Print View The information contained herein does not constitute a title search and should not be relied on as such. Shopping Cart Legal Desc. Account Number Tax Type 2188685 Payment History Property Info. => Mailing Address Physical Address REED JOSEPH WERNER & 00051 LONE PINE HOM Searches CHRISTINE E CLAYTON Account Number PO BOX 4139 GEO Number Owner Name HOMOSASSA FL 34447 1820130020017600330 Mailing Address Street Address Certificate Newy Assessed Value $21,200.00 Site Functions Exemption Detail Millage Code Welcome NO EXEMPTIONS oosw ° Tax Search Legal Description ; Contact Us 1820130020017600330 SUGARMILL WOODS OAK VLG Privacy & Usage Home PG 309 Ad Vaiorem Taxes General Fund 6.2208 Transportation Trust 0.9745 Health Dept. 0.1354 Library 0.3333 Fire District 0.4810 Schools Discretionary 0.6990 Schools Capital Outlay 2.0000 Schools Local Req'd Effort 5.2250 SWFWMD Coastal General 0.4220 Coastal 0.2350 Mosquito Control 0.2735 Hospital 0.9500 Levying Authority Sugarmill Woods Oak Villa e.. mM oF PAGE p://citrustaxcollector. governmax.com/collectmax/tab_collect_m ptaxV5.4.asp Exempt Amount LOT 33 B LK 176 DESC IN OR BK 808 Exemption Amount 3 WNL, ac $ coausin. [RAGED Taxable Value - $21,200.00 Escrow Code Taxable Value Taxes Levied 0 $0 $131.88 0 $0 $20.66 0 $0 $2.87 0 $0 $7.07 0 $0 $10.20 0 $0 $14.82 0 $0 $42.40 0 $0 $110.77 0 $0 $8.95 0 $0 $4.98 0 $0 $5.80 0 $0 $20.14 jount 24.60 ?wait=done&t_nm=colle.... 12/6/2005 \itrus County ax Collector Page 2 of 2 Total Assessments Taxes & Assessments If Paid By 9021878.0001 $405.14 Amount Paid Date Paid 11/18/2005 Prior Years Payment History Prior Year Taxes Due NO DELINQUENT TAXES Print | < Last >> Legal Disclaimer / Privacy Statement MANATR@&*N Soomettn ase "8 teen ene PE 5.4.asp?wait=done&t_nm=colle... 12/6/2005 12/14/2065 14:29 3526286686 SILVERKINGPROPERTIES FAGE 4 7 ed List Price: $373,700 MLS #: 3240159 Address: 17 Foxglove Ct Homosassa, FL 34446 Property Type: Residential Status: Closed Monthly Dues: $0 Yearly Dues: $95 Possession: Closing Agent Owned: No Close Date: — 8/29/05 Acreage: 0.28 Bedrooms: 3 Prop. Taxes: $ 2,570 Alt Kay; 2151293 Bathrooms: 3.00 Tax Year: 2004 App. Liv. Sq. Ft.: 2,766 Pool: Yes Type: Caged, Concrete Pool, App. Sq. Ft. under Rf: 5,099 Water: Public Water Year Built: 2000 Sewer: Public.Sewer Covered Parking: 2 Car Attached Garage Heating: Central Electric, Heat Pump Fireplace: No Cooling: Central Air, Heat Purp Construction: Concrete Biock/Stucco Elem. School: Lecanto Primary Subdivision: Sugarmill Woods Middle School: Lecanto Waterfront : No High School: Lecanto Legal Description: Lot 34, block 158, Sugarmill Woods, Oak Village, PB 10, PG 10 Room Dimensions: Energy Features; LIV: 0x0 Speclai Info: DSL Service Avall., Galf Course Community, Homeowners A Disclosure, Pets Allowed, GRT: 24x23 intortor Features: Blinds, Breakfast Bar, Cabinets, Corian Counter, Decorator Lights, Den/Office, DINE ‘4x14 Dining Room, Gourmet Kitchen, Great Room, Lanai, Open Floor Pian, Pantry, Plant Shelf, Pull Down KITC: 7 x 19 Stairs, Split Floor Plan, Utility Living Area, Walk-in Clogat, Window Treatment seo " hen Property Features: Fully Landscaped, Lawn Sprinklers, Trees MA pRD. i xe D: 16 x 19 Exterior Features; Courtyard, Coverad Patio, Fountain, Guesthouse, Lanai, Outdoor Lights, Sep. BED? 14x16 Studio/Office, Waterfall ' BED 3: ‘12x 16 BED4 0x0 Personal ttems Excluded: MA BA: ‘1x 14 FULL BA: tix 17 Equipment and Appllances: Cabie, Celling Fans, Dishwasher, Disposal, Dryer, Garage Door Opener, D4 BA: Ux8 Laundry Tub, Microwave Hood, Range Oven, Refrigerator, Smoke Detector, Washer V2BA: Ox0 FLRM: Gx0 CANAL 0x0 Deseription: This Exquisite Cabana home with self-contained guest sulte offers seclusion & SCR PRH: Ox0 pri Ivacy, yet perfect for entertaining. ALL rooms overlook tranquil, landscaped, walled courtyard SHP; Ox0 with heated pool, waterfall & fountain, The all-white, gourmet kitchen has large, corian topped LAUN: € x 12 istand, pantry & all apptiances. Lots of soft white tile & minimally decorated, offering the perfect GAR: CxO white palette for your own decorating flair, An extra 23ft long, air-conditioned room offers : boundless possibilities for hobby/office/gymnasium, Gorgeaus palms & landscaping! Directions: Hwy 19 to Hwy 98 to 2nd left on Village Center Dr to 18t feft on Cactus to 1st right on Foxglove to #17 on left side Prepared By: Silver King Properties onna Raynes te 40) oe ta cae Sneath (352) 476-1668 : (352) 476-1668 (Fax) (352) 628-6086 donna@silverkingproperties.com www. homosassahomesandiand.com team@silverkingproperties.com www. silverkingproperties.com Intarmation Reemed Reliahls, Not Guaranteed) 6! ant onaan 2 a SAT, “DO [a 31 OF “ eccrine co REPORT oA, 7 _perty Appraiser Page | of 3 Melanie J. Hensley C.F.A. Citrus County Property Appraiser Surrent Taxroll In Work As Of: 02-DEC-05 _ I@O@ b @ wner & Property Information Altkey 2151293 Jwner Name RAYNE FRANK L & DONNA L Mailing 17 FOXGLOVE CT Address HOMOSASSA FL 34446 3ite Address 00017 FOXGLOVE CT HOMOSASSA I denies ion Neighborhood PC Code / Desc. Millage Code / Desc. qe tw Rae 18E20S 130020 5411 (01) SINGLE FAMILY © (00SW) SUGARMILL 30 20 18 01580 0340 RESIDENTIAL WOODS Tax History Year Pc Code Just Value Assessed Exemptions Taxable Land Value Improvements Cost Feedback 2005 ~=s Ol $232,200 $164,100 $25,000 $139,100 $25,000 $271,578 $296,578 $283,400 2004 = 01 $196,800 $159,400 $25,000 $134,400 $11,000 $247,804 $258,804 $247,500 2003 sO! $189,900 $156,500 $25,000 $131,500 $10,000 $215,953 $225,953 $241,200 2002—Ss(«O1 $163,900 $152,900 $25,000 $127,900 $10,000 $178,099 $188,099 $207,900 2001 01 $150,500 $150,500 $25,000 $125,500 . $10,000 $172,661 $182,561 $198,600 2000 ~=©00 $7,400 $7,400 $0 $7,400 $9,000 $0 $9,000 $0 Sales and Transfer History Book Page Month Year Instr. Code Transfer Code Vae./Imp. Sale Price 1905 0078 ogg!) 2005 WARRANTY DEED -NONE I $370,000 1311 0907 06 1999 WARRANTY DEED NONE Vv $8,000 0811 0812 03 1989 WARRANTY DEED ‘NONE Vv $10,000 0689 0162 07 1985 UNCONFIRMED RIGHT OF SURVIVORSHIP Vv $10,500 Full Legal Description SUGARMILL WOODS OAK VLG PB 10 PG 10 LOT 34 BLK 158° Planning and Building Permits Bldg# Permit # Amount IssueDate Occ.# Occ. Date ae i http://www.pa.citrus. fl.us/pls/nal/ak_data_nal?ak_in=2151293; 12/6/2005 _Operty Appraiser “’ _-00 200007918 00 200006532 00 200002541 $2,762 01-OCT-00 $16,322 01-AUG-00 $87,682 01-APR-00 Land Value Summary Land Line Land Use 001 RESIDENTIAL NON-WATERFRONT Building Characteristics Building # 01 Building RESIDENTIAL Type Bedrooms 3 ) Fixture 0 Bathrooms 3 Fixture 2 Bathrooms Fixture 1 Bathrooms Year Built 2000 Fla Area 2,548 Ren Value Renld Value Residential Section Details Building # Section # Year Built 01 ol 2000 ttp://www.pa.citrus.fl.us/pls/nal/ak. data nal?ak in=21512' narh ll 3 pace 23 oF Page 2 of 3 POOL ENC 39X27 --~-- SITE INGROUND POOL---SITE FOR SFD--NOC FOR SFD ONLY IN Value Estimate Zoning Front Depth Units PDR 102 120 1 Area Type / Description 2,176 9 FLA | _ FLR LW AREA 4 if 3 YEISIT.. pace OO. 12/6/2005 _@perty Appraiser : Page 3 of 3 2 a . Me Ol 02 2000 1,085 SEM SCRN ENCLOSURE Ol. 03 2000 482 OPF OPEN PORCH FIN 01 04 2000 372 FLA’ FLR LIV AREA 01 05 2000 84 - OPF OPEN PORCH! FIN 01 06 - 2000 900 GAF GARAGE FINISHED . : Miscellaneous Improvements : Unit Year “RCN ~~ RCNLD. Bldg Imprv. Aor : : 4 # Type/ Description Length Width Units Type Added Value Value 01 001 SWIMMING POOL 28 14 392 SF 2000 SCREEN ol. . 002 ENCLOSURE 0 0 = 1085 SF 2000 MOD aN eee acre nee CR ATE i “Sy aI Stitt Zot noe LL FB fee IE serail 3 tp://www.pa.citrus.fl.us/pls/nal/ak_data_nal?ak_in=21512' 12/6/2005 ; “for Public Records : Page | of 1 a a Official Public Records Citrus County, Florida Search Resutts Clerk of the Circuit Court Menu + NewSearch - Login : Prefs + Help Criteria: Grantor or Grantee Begins with RAYNE, FRANK Search Results - 1 match Displaying Records 1 to 1 nstrument Book- Date Filed Document Name IndexedName = Name Other Name Legal Description ndex Image dumber Page Type Type (+)=More Names Type (+) = More.Names Status i 1005078677 1906- 09/01/2005 DEED E RAYNE FRANKL R THOMPSON SBD OAK VILLAGE erm & 78 . (+) WILLIAM F (+) SMW; BLK B-158; LT 34 For issues with this software, please check the FAQ. Internet Public Access Module Version 3.01 Copyright 2001, 2002 Hart InterCivic. Inc. All Rights Reserved. vine tote ie eT ~ 5S EXHISIT. PASE :p://24.129.131.20/results.asp 12/7/2005 12/14/2805 14:23 3526286886 SILVERKINGPROPERT IES FAGE Lt AN en List Price: : $348,000 MLS #: . 0982170 Address: 11 FOXGLOVE CT. Homosassa, FL 34446 Proparty Type: Residential . Status: , Closed Monthly Dues: $0 Yearly Dues: $ 95 Possession: Nagotiable Agent Owned: No Close Date: 5/31/05 ’ Acreage: 0.31 Bedrooms: 4 Prop. Taxes; $ 2,623 Alt Key: 2151471 Bathrooms: 3,00 Tax Year: 2004 App. Liv. 8q. Ft: 2,813 Pool: Yes Type: Caged, Concrete Pool, In App. Sq. Ft. under Rf; 4,107 Water: Private Well, Public Water Year Built: 2000 Sewer: Public Sewer Covered Parking: 3 Car Attached Garage Heating: Central Electric, Zoned Fireplace: No , Cooling: Central Air, Zoned Construction: Concrete Block/Stucco © Elem, School: ~ Lecanto Primary * Subdivision: Sugarmill Woods Middle School: Lecanto Waterfront :- No . High Schoo!: Lecanto : Legal Description: Lot 37 Block 158 Oak Village fnergy Features: Zoned Special Info: DSL Service Avail., Galf Course Community, Homeowners Association Approval, Pets Interior Features: Breakfast Bar, Cabinets, Corian Counter, Den/Office, Dining Room, Eat-in Kitchen, Great Roorn, Kitchen, Kitchen/Bath Updated, Lanai, Open Floor Plan, Pantry, Plant Shelf, Pull Down Stairs, Split Floor Plan, Utility Living Area, Walk-in Closet, Window Treatment, Wood Cabinets - Property Features: Fully Landscaped, Lawn Sprinklers, Trees Exterior Features: Courtyard, Lanai, Sep. Studio/Office, Slab, Waterfall Personal Items Excluded: Equipment and Appliances: Cable, Dishwasher, Disposal, Dryer, Garage Door Opener, Laundry Tub, Microwave Oven, Range Hood, Range Oven, Refrigerator, Security System, Smoke Detector, Washer, Water Heatar Description; Extra larga lot for this highly upgraded and customized Cabana home built by Lindhorst. 18" tile In Great Room ,Kitchen Noak, Den, One Bedroom, Laundry & Baths. Cherry Cabinets and Corian Countertaps in Kitchen w/ Appliance Garage, Roll- Out Shelves & Kitchen Pantry, 3 zone Heating/Cooling. Pool has Waterfall & Fiber-Optic Lighting. Double Doors to Cabana Area w/ Retractable Screen and Double Leaded Glass Doors to Great Room. Wel! for Yard & Security System/3 Pads. Master Walk-In Closet is 13x9.9. Many More Featuresl! Directions: HWY 19 SO, LEFT ONHWY 98 LEFT ON 480 RT. ON CACTUS ST. LEFT ON FOXGLOVE Prepared By: Silver King Properties Donna Raynes 5297 S. Cherokee Way Sui . y Suite 101 (352) 628-5500 Homosassa, FL 34448 (352) 476-1668 ° ‘ (352) 476-1668 (Fax) (352) 628-8086 donna@sllverkingproperties.cam team@silverkingproperties.com www. homosassahomesandiand.com www. silverkingproperties.com Information Resmed Raliahle_ nit kdvtbedetadel ER a i bev COs ALMAD Room Dimensions: Lavi GRT: DIN; KITC: FAM: OFF: DEN: MA BED; BED 2: BED 3: BED 4: MA BA: FULL BA: 3/4 BA: 2 BA: FLRM: vx0 7 x 16 ‘4x13 18x47 uxo0 OKO 16x 20 18x14 16 x 12 wx 10x 10 13x10 Bxb 1146 xO Qx0 : 37x T0 f oKo : 9x0 xe 2 31x 20 “ _/Aroperty Appraiser 5 Melanie J. Hensley C.F.A. Citrus County Property Appraiser “urrent Taxroll In Work As Of: 02-DEC-05 IO Jwner & Property Information 2151471 Jwner Name WILLIS JAMES W & CAROLYN A Altkey Mailing Address 11 FOXGLOVE CT HOMOSASSA FL 34446 Site Address 00011 FOXGLOVE CT HOMOSASSA Page 1 of 3 1 denne tion Neighborhood PC Code / Dese. Millage Code / Dese. Map two Rae 18E208 130020 541] (01) SINGLE FAMILY (00SW) SUGARMILL 30 20 18 01580 0370 RESIDENTIAL ~ WOODS Tax History Year Pc Code Just Value Assessed Exemptions Taxable Land Value Improvements Cost Feedback 2005 ~—s«O $233,500 $167,000 $25,000 $142,000 $25,000 $274,998 $299,998 $283,800 2004 01 $197,300 $162,200 $25,000 $137,200 $11,000 $249,905 $260,905 $247,300 2003 01 $193,600 $159,200 $25,000 $134,200 $10,000 $218,197 $228,197 $247,300 2002.01 $168,100 $155,500 $25,000 $130,500 $10,000 - $180,503 $190,503 $214,900 2001, 01 $153,100 $153,100 $25,000. $128,100 $10,000 $174,720 $184,720 $203,100 2000 00 $7,400 $7,400 $0 $7,400 $9,000 $0 $9,000 $0 Sales and Transfer History Book Page Month Year Instr. Code Transfer Code Vac. / Imp. Sale Price 1861 2423 05 2005 WARRANTY DEED NONE I $340,000 1344 0991 01 2000 WARRANTY DEED NONE Vv $10,500 0748 = =2103 06 1987 UNCONFIRMED NONE v $10,500 Full Legal Description SUGARMILL WOODS OAK VLG PB 10 PG L0LOT 37 BLK 158 Planning and Building Permits Bldg# Permit# Amount Issue Date Occ. # Oce. Date Description 00 200009347 $2,398 01-DEC-00 caus iniivk: & pOOLEN ENELOSURE ---SITE & abl pine 13 e D ele httn://www.va.citrus.fl.us/pls/nal/ak data nal?ak in=2151471 12/7/2005 _ Property Appraiser . Page 2 of 3 a 10 200007495 $17,306 01-SEP-00 ‘POOL----SITE AND NOC.WES 00 200002444 $93,260 01-APR-00 0002444 01-DEC-00 SFD--NOC IN FILE FOR SFD/ Land Value Summary Land Line Land Use Zoning Front Depth Units Value Estimate 001 RESIDENTIAL NON- WATERFRONT PDR 115 120 1 Building Characteristics Building # 01 Seéch Fox 049043. Hutiding o1 Type-R Building RESIDENTIAL Type Bedrooms 4 2 Fixture 0 Bathrooms 3 Fixture 2 "e Bathrooms : if 4 Fixture 7 90 SHH 06 bo Bathrooms | sp Year Built 2000 s pod ge OPE OSES Fla Area 2,852 ee, = R ie vias ag cn Value | fs Ag3PF o4l2 ORE CE ts : Renld Value “33— Residential Section Details Building # Section # Year Built Area Type / Description 01 01 2000 2,510 FLA FLR LIV AREA 01 02 2000 12/7/2005 _#roperty Appraiser Page 3 of 3 01 03 2000 444 OPF OPEN PORCH FIN 01 04 2000 108. OPF OPEN PORCH FIN 01 05 ; 2000 342 FLA FLR LIV AREA 01 06 2000 744 SEM SCRN ENCLOSURE Miscellaneous Improvements Bldg Imprv. eae . . Unit Year RCN RCNLD # # Type/ Description Length Width Units Type Added Value Value 01 001 ‘SWIMMING POOL® 24 12 288 SF 2000 ; SCREEN 01 002 ENCLOSURE 0 0 744 SF 2000 IO®D AUMINISTRATIVE COM A EXHIBIT yg PAGE 39 oF LL. attp://www.pa.citrus.fl.us/pls/nal/ak data nal?ak in=2151471 HIS WED eased 12/7/2005 _W&™ for Public Records Page 1 of 1 4 ya - Official Public Records Citrus County, Florida 4 Search Results Clerk of the Circuit Court Menu + NewSearch - Login + Prefs + Help Criteria: Page is 2423 Book is 1861 Search Results - 1 match Displaying Records 1 to 1 Instrument Book- Date Filed Document Name Indexed Name Name Other Name Legal Description index Image Number Page Type Type (+)=More Names Type (+)= More Names Status 2005047422 1861- 06/01/2005 DEED R ROBBINS NANCY J E WILLIS JAMES Ws SBD OAK VILLAGE Perm 2423 (+) (+) SMW; BLK 8-158; LT 37 For issues with this software, please check the FAQ. Internet Public Access Module Version 3.01 Copyright 2001, 2002 Hart InterCivic, Inc. All Rights Reserved. fi KADY ng) qe EXHISIT, _ PAGE t * PLM vi EXHIBIT “So a pace YO OF — http://24,129.131.20/results.asp 12/7/2005 Address: 3 HEUCHERA CIR HOMOSASSA FL 34446-5911 LOCATION P Address: _3 HEUCHERA CIR Data Type: Blended County; -CITRUS Comp Detail Report (Tracking #:) (Distance from subject: 0.61 mi) Tract/ Block/ Lot: 247 34 Subdivision: SUGARMILL WOODS Section/Township/ Range: 313 208 18E Census Tract: 9816.00 Parcel iD: - 18E-20S-13-0020-02470-0340 Map Reference: Legal Description: SUGARMILL WOODS OAK VLG PB 10 PG 105 LOT 34 BLK 247 SALES INFORMATION Sales Type Price Date Doc # Deed Type First Mortgage Amount: _207,920 Contract Loan Type: _Conventional Sale-Actuai tender; AMERICAS WHOLESALE LENDER Age of Appraisal: Recorded 259,000 10/10/2005 90850 Deed PROPERTY DESCRIPTION Year Built: 2005 Stories: 1 Roof: Other Land Value: 63,500 Year Built Effective: Style: Parking: 1 Improv. Value: 117,400 Constr. Qual: Square Feet: 1,985 Air Cond: Total Value: 180,900 Improv. Cond: Total Rooms: Heat: Heat Pump Land Use: Single Family Residence Bedrooms: 3 Pool/Spa: Property Tax Amt: 2,887.38 Manufactured House: Total Bathrooms: 2 Fireplace: 1 Assessor Roll Year: 2007 Attached/Detached: Baths Full/Hatt: 2 Basement: Other Improve: Basement % Finished: Comments: SITE INFORMATION Lot Size: 26,640 Flood Zone: No. of Units in Proj: Lot Dimensions; 111X120 Flood Map: Zoning: PDR Site Influence: Flood Map Date: Common Amenities: Copyright © 2005 FNC, Inc. All Rights Reserved. Information Provided is believed reliable but not warranted or guaranteed. Comp Detait Report (Tracking #: ) (Distance from subject: 0.74 mi) XtCe Address: 23 HIBISCUS CT HOMOSASSA FL. 34446-5917 LOCATION 23 HIBISCUS CT Address: Data Type: Blended County: CITRUS Tract/ Block/ Lot: Subdivision, SUGARMILL WOODS Census Tract: 9816.00 Section/Township/ Range: Map Reference: 245 20S 34 18E 13 Parcel ID;_18E-20S-13-0020-02450-0340 Legal Description: SUGARMILL WOODS OAK VLG PB 10 PG 10 LOT 34 BLK 245 SALES INFORMATION Sales Type Price Date Doc # Deed Type —_—First Mortgage Amount: _194,300 Contract Loan Type: Conventional Sale-Actual Lender; CAPITAL CTY BK Recorded 259,300 08/17/2005 73602 Deed Age of Appraisal: PROPERTY DESCRIPTION Year Built: 1997 Stories: 1 Roof: Other Land Value: 63,500 Year Built Effective: Style: Parking: _1 improv. Value: 130,600 Constr. Qual: Square Feet: 2,088 Air Cond: Total Value: 194,100 Improv. Cond: Total Rooms: Heat; Heat Pump Land Use: Single Family Residence Bedrooms: 3 Pool/Spa: Pool Property Tax Amt:_2,702.53 Manufactured House: Total Bathrooms: 2 Fireplace: _t” Assessor Roll Year: 2007 Attached/Detached: Baths Full/Halt; 2__ Basement: Other Improve: Basement % Finished: Comments: SITE INFORMATION Lot Size: 8,520 Lot Dimensions: _71X120 Site Influence: Common Amenities: Flood Zone: Flood Map: No. of Units in Proj: Zoning: PDR Flood Map Date: Copyright © 2005 FNC, Inc. All Rights Reserved, Information provided is believed reliable but not warranted or guaranteed. COMPLAINT. EXMISIT, sPAGE Comp Detail Report (Tracking #: ) (Distance from subject: 0.36 mi) wry = Address: 30 BALSAM ST HOMOSASSA FL 34446-5524 : LOCATION Address: _30 BALSAM ST County: CITRUS Subdivision: SUGARMILL WOODS Census Tract: _9816.00 Data Type: Blended Tract/ Block/ Lot: 192 33 Section/Township/ Range: 13 20S 18E Parcel ID:_18E-20S-13-0020-01920-0330 Map Reference: Legal Description; SUGARMILL WOODS OAK VLG PB 9 PG 86 LOT 33 BLK 192 = SALES INFORMATION Sales Type Price Date “Doc # Deed Type First Mortgage Amount: Contract Loan Type: Conventional Sale-Actual Lender: Recorded 257,000 (07/06/2005 59226 Deed Age of Appraisal: . PROPERTY DESCRIPTION Year Built: 1999 Stories: 1 Roof: Other Land Vatue: 62,500 Year Built Effective: _1999 Style: Parking: _1 Improv. Value: 157,800 Constr. Qual: Square Feet: 1,883 Air Cond: Total Value: 220,300 Improv. Cond: Total Rooms: Heat: Heat Pump Land Use: Single Family Residence Bedrooms: 3 Pool/Spa: Pool ’ Property Tax Amt: 3,106.67 Manufactured House: Total Bathrooms: 2 Fireplace: _1 Assessor Roll Year: 2007 Attached/Detached: Baths Full/Halt: 2 Basement: Other Improve: Comments: Basement % Finished: SITE INFORMATION Lot Size: 17,640 Flood Zone: Flood Map: Lot Dimensions: 147X120 Site influence: Common Amenities: No. of Units in Proj: Zoning: PDR Flood Map Date: Copyright © 2005 FNC, Inc. Alt Rights Reserved. Information provided is believed retiable but not warranted or guaranteed. -toperty Appraiser A ; Page 1 of 3 “ @ ©

Search Choices > Search By Site Address > Parce!DetailSitus Citrus County Property Appraiser - Current Taxroll In Work As Of: 14-AUG-08 Owner & Property Information Altkey 2223537 Print Property Card (Pdf) @) Owner Name NIEVES ABIGAIL & JULIA View G.1.S. Map 2008 TR Original as Mailing 264 36 60TH AVE ed 4) Address LITTLE NECK NY 11362 Tax Estimator © Site Address 00003 HEUCHERA CIR HOMOSASSA Identification “Code = PCCode / Desc. © MAES / Twp Rng 18E20S130020 02470 5412 (01) SINGLE FAMILY _ (00SW) SUGARMILL 32 20 18 0340 RESIDENTIAL WOODS Tax History Year ca le Market / Assessed Exemptions Taxable ant -_ Improvements Cost Direct t Sales 2007. O01 $180,900 $180,900 $0 $180,900 $63,500 $201,497 $264,997 $235,500 2006 «(01 $193,500 $193,500 $0 $193,500 $57;000 $193,370 $250,370 $227,800 2005 01 $22,100 $22,100 $0 $22,100 $26,000 $0 $26,000 $0 2004 00 $10,200 $10,200 $0 $10,200 $12,000 $0 $12,000 $0 2003 00 $9,700 $9,700 $0 $9,700 $11,500 $0 $11,500 . $0 Sales and Transfer History Book Page Month Year Instr. Code Transfer Code Vac./Imp.- Sale Price 1922 0922 08 2005 WARRANTY DEED NONE I $259,000 1770 0403 09 2004 CORRECTIVE/QC/TD/COT NONE Vv $100 1754 0409 07 2004 CORRECTIVE/QC/TD/COT NONE Vv $100 1742 1446 07 2004 WARRANTY DEED NONE Vv $20,000 1681 0715 01 2004 TO OR FROM BANKS/LOAN CO. NONE Vv $8,000 1633. 0527 08 2003 CORRECTIVE/QC/TD/COT NONE v $100 1203 1037 09 1997 FROM DEVELOPERS ; - NONE Vv $10,500 1099 2114 09 1995 SALE / MORE THAN 1 PARCEL NONE Vv $3,857,000 0944 «1513 07 1992 SALE / MORE THAN 1 PARCEL NONE Vv $9,300,000 Parcel Genealogy Ailtkey Type Related Altkey Effective Date 2223537 Split From 2223481 Ae 17-1 fers ae ai NT 2223537 Combined Into 2223481 ALIMINES L Ste essen etre SeAS : 203537 “82 1/2008 Citrus County Property Appraiser _ Page 2 of 3 Full Legal Description SUGARMILL WOODS OAK VLG PB 10 PG 105 LOT 34 BLK 247 Planning and Building Permits Bidg # Permit # Amount Issue Date Occ. # Occ. Date Description 00 200409498 $186,583 03-SEP-04 0409498 02-AUG-05 SFD ONLY ----- NOC IN FILE FOR SFD ONLY*** 4 TREES Land Value Summary Land Front - Depth Unit Type / Line Land Use Zoning actual/Std/Eff Actual/Std Description —Units RESIDENTIAL NON- 001 aoe PDR 111/0/0 120/0 LT LOT 1 Building Characteristics Building # BldgType Beds 2 Fixture Baths 3 Fixture Baths 4 Fixture Baths Year Built FLA Area 01 RESIDENTIAL 3 0 1. 1 2005 1,985 VE COMPLAINT http://www.pa.citrus.fl.us/pls/apex/f?p=100:23:5494 1361445 1658::NO::P23_URL:2223537 8/21/2008 Citrus County Property Appraiser Page 3 of 3 Residential Section Details Building # Section # Year Built Area Type / Description 01 : 01 2005 1,985 FLA FLR LIV AREA 01 02 2005 159 OPF OPEN PORCH FIN . O1 03 2005 549 GAF GARAGE FINISHED o1 04 2005 36 OPF OPEN PORCH FIN ADMINISTRATIVE COMPLAINT EXHIBIT #3 PAGE __6© OF http://www.pa.citrus.fl.us/pls/apex/f?p=100:23:5494 13614451658::NO::P23_URL:2223537 8/21/2008 Citrus County Property Appraiser . Page I of 4 Home Search Download Exemptions Agriculture GIS, Maps, & Aerials Tangible FAQ Links Contact Home > Search Choices > Search By Site Address > ParcelDetailSitus Citrus County Property Appraiser - Current Taxrotl In Work As Of: 14-AUG-08 Owner & Property Information Altkey 2222603 Print Property Card (Pdf) () Owner Name KIRBY ROGER E & CLAUDETTE N View G.LS. Map 2008 TRIM (Original as 3 Mailing 23 HIBISCUS CT nailed) (Orig 4) Address HOMOSASSA FL 34446 Tax Estimator @)] "Site Address 00023 HIBISCUS CT HOMOSASSA Parcel Neighborhood Millage Code / Map Map Map Identification Code PC Code / Desc. Desc. Sec Twp Rng 18E20S130020 02450 (01) SINGLE FAMILY (OOSW) SUGARMILL 0340 412 RESIDENTIAL 32 0B Tax History Pc Market / . Land Direct Sales Year Code Just Assessed Exemptions Taxable Value - Improvements Cost Est. 2007. O01 $194,100 $194,100 $25,000 $169,100 $63,500 $211,614 $275,114 $258,400 2006 «(01 $205,700 $205,700 $25,000 $180,700 $57,000 $202,575 $259,575 $246,200 2005 01 $169,800 $126,400 $25,500 $100,900 $26,000 $180,501 $206,501 $209,400 2004 «Ol $139,400 $122,800 $25,000 $97,800 $12,000 $164,312 $176,312 $178,700 2003 Ol $133,500 $120,600 $25,000 $95,600 $11,500 $142,900 $154,400 $172,700 Sales and Transfer History Book Page Month Year Instr. Code Transfer Code Vac./Imp. Sale Price 1898 0105 08 2005 WARRANTY DEED NONE I $259,300 1495 0556 03 2002 LIFE ESTATE NONE I $100 1110 2004 11 1995 WARRANTY DEED NONE Vv $9,500 1099 2133 09 1995 SALE / MORE THAN-1 PARCEL : NONE Vv $5,000 1056 0357 10 1994 NONTAXABLE AGENCIES NONE Vv $100 0944 1526 07 1992 SALE / MORE THAN 1 PARCEL NONE v $100 Parcel Genealogy Altkey Type Related Altkey Effective Date 2222603 Split From 2222506 17-DEC-92 2222603 Combined Into 2222506 17-NOV-80 ae aie: TIVE COMPLAINT. Full Legal Description alin i EXHIBIT #2 PAGE ? http://www.pa.citrus. fl.us/pls/apex/f?p=100:23:549413614451658::NO::P23_URL:2222603 8/21/2008 Citrus County Property Appraiser . Page 2 of 4 SUGARMILL WOODS OAK VLG PB 10 PG 10 LOT 34 BLK 245 Planning and Building Permits Bldg # Permit # Amount Issue Date Occ. # Occ. Date Description 00 199701375 $2,215 01-MAR-97 POOL ENCL 00 199700271 $8,500 01-JAN-97 POOL 00 199606178 $5,242 01-OCT-96 9606178 01-MAR-97 SFR----SITE APPROVAL FOR Land Value Summary Land : Front ‘Depth Unit Type / . Line tand Use Zoning actual/Std/Eff Actual/Std Description Units RESIDENTIAL NON- 001 SONS PDR 71/0/0 120/0 iT LOT 1 Building Characteristics Building # BidgType. Beds 2 Fixture Baths 3 Fixture Baths 4 Fixture Baths Year Built FLA Area 01 RESIDENTIAL 3 0 1 1 1997 2,088 ADMINISTRATIVE CG MPLAUNT. hitp://www.pa.citrus.fl.us/pls/apex/f?p=100:23:5494 13614451658::NO::P23_ URL:2222603 8/21/2008 Citrus County Property Appraiser Page 3 of 4 38 SEM FLAI er Residential Section Details Building # Section # Year Built Area Type / Description 01 01 1997 2,088 FLA FLR LIV AREA 01 02 1997 836 SEM SCRN ENCLOSURE o1 03 1997 160 SPF SCR PORCH FIN 01 04 1997 36 OPF OPEN PORCH FIN 01 05 1997 506 GAF GARAGE FINISHED Miscellaneous Improvements Bldg # Imprv. # Type / Description Length Width Unit Type /Description Unit Type Year Added 01 001 SWIMMING POOL 28 14 392 SF SQUARE FEET 1997 01 002 SCREEN ENCLOSURE 38 22 836 _3Q UARE FEEL jap Huy Pi bind ci ‘P23 URE2222603" 8/21/2008 omnsconeneniie et EDS Pp, http://www.pa.citrus.fl.us/pls/apex/f?p=100:23:5494 13614451658::N Citrus County Property Appraiser Page 4 of 4 o1 003 FRKLNSTL FRPLC 0 0 1 UT UNITS 1997 ADMINISTRATIVE COMPLAINT. EXHIBIT #2 PAGE (0 OF http://www.pa.citrus. fl.us/pls/apex/f?p=100:23:549413614451658::NO::P23_ URL:2222603 8/21/2008 Citrus County Property Appraiser Home Search Download Exemptions Agriculture GIS, Maps, & Aerials Tangible FAQ Home > Search Choices > Search By. Site Address > ParceiDetailSitus Citrus County Property Appraiser - Current Taxroll In Work As Of: 14-AUG-08 Owner & Property Information Altkey 2184469 Owner Name MARTIN JOHN R & LOUISE Mailing 30 BALSAM ST Address Q - © 8 TRIM (Original as ra) i<) HOMOSASSA FL 34446 rox Estimator Site Address 00030 BALSAM ST HOMOSASSA Page 1 of 3 Links Contact Parcet Neighborhood ’ Millage Code / Map Map Map Identification Code PC Code / Desc. Desc. Sec Twp Rng 18E20S130020 01920 (01) SINGLE FAMILY (OOSW) SUGARMILL 0330 sau RESIDENTIAL 0 a 28 Tax History Pc Market . Land Direct Sales Year Code Just / Assessed Exemptions Taxable Valu e Improvements Cost Est. 2007 Ol $220,300 $219,900 $25,000 $194,900 $62,500 $244,624 $307,124 $280,900 2006 = O1 $214,600 $214,600 $25,000 $189,600 $57,000 $231,931 $288,931 $262,200 2005 01 $181,100 $181,100 $0 $181,100 $25,000 $207,392 $232,392 $220,300 2004 801 $151,000 $119,800 $25,000 $94,800 $11,000 $188,642 $199,642 $189,300 2003 01 $144,100 $117,600 $25,000 $92,600 . $10,000 $163,230 $173,230 $181,900 Sales and Transfer History Book Page Month Year Instr. Code Transfer Code -Vac. / Imp. Sale Price 2123 . 2283 05 2007 LIFE ESTATE NONE I $100 1878 0094 06 2005 WARRANTY DEED NONE I $257,000 1813 1986 01 2005 SAME FAMILY/DEED FOL . NONE T $100 1741 0486 07 2004 WARRANTY DEED NONE I $220,000 1271 0766 10 1998 SAME FAMILY/DEED FOL NONE Vv $100 0998 1242 09 1993 SALE / MORE THAN 1 PARCEL NONE Vv $10,500 0726 0810 09 1986 UNCONFIRMED RIGHT OF SURVIVORSHIP Vv $10,000 Full Legal Description SUGARMILL WOODS OAK VLG PB 9 PG 86 LOT 33 BLK 192 Planning and Building Permits Bldg # Permit # Amount Issue Date Occ. # pratt (REE RRS vue, CReSsripren (, Wig http://www. pa. citrus. fl.us/pls/apex/f?p=100:23:5494 13614451658: -NO::P23 _URL: 2184469 8/21/2008 Citrus County Property Appraiser Page 2 of 3 00 199905590 $2,300 01-JUL-99 oo ENCL 00 199902412 $10,315 01-APR-99 POOL 00 199809567 $100 01-DEC-98 9809567 01-AUG-99 SFD Land Value Summary Land . Front Depth Unit Type / . Line Land Use Zoning actual/Std/Eff | Actual/Std Description Units RESIDENTIAL NON- 001 SR CNRERONT POR 147/100/0 120/120 iT LoT 1 Building Characteristics _ Building # BldgType Beds 2FixtureBaths 3 Fixture Baths 4 Fixture Baths Year Built FLA Area 01 RESIDENTIAL 3 0 1 . 1 1999 1,883 Residential Section Details ADMINISTRATIVE COMPLAINT aaron ete SRA http://www. pa.citrus. fl.us/pls/apex/f?p=100:23:5494 1361445 1658::NO::P23_URL:2184469 8/21/2008 Citrus County Property Appraiser Page 3 of 3 Building # Section # Year Built Area Type / Description 01 o1 1999 1,883 FLA FLR LIV AREA 01 02 1999 262 SPF SCR PORCH FIN 01 03 1999 704 SEM SCRN ENCLOSURE 01 04 1999 628 GAF GARAGE FINISHED 01 05 1999 42 OPF OPEN PORCH FIN Miscellaneous Improvements Bidg # Imprv. # Type / Description Length Width Unit Type /Description Unit Type Year Added 01 001 SWIMMING POOL 24 12 288 SF SQUARE FEET 1999 01 002 SCREEN ENCLOSURE 32 22 704 SF SQUARE FEET 1999 ADMINISTRATIVE COMPLAINT EXHIBIT #2, pack __'3 http://www. pa.citrus. fl.us/pls/apex/f?p=100:23:5494 1361445 1658::NO::P23_URL:2184469 8/21/2008 mS a Genworth Morigage Insurance Corporation Genworth ; Financial : : , 6601 Six Forks Road : Raleigh, North Carolina 27615 . 949 846.4100 December 20, 2007 800 444.5664 Toll Free genworth.com gémorigageinsurance.com Ms. Barbara Priddle Chase Home Finance, LLC Credit Risk Management 4919 One Memorial Highway - 2nd Floor Tampa, FL 33634 Re: — Barrower: Peter Garberg Certificate No: 3875407318 Property Address: 51 Lone Pine Street Homosassa, FL 34446 Lender Loan No.: 1911300071 Dear Ms. Priddle: The above-referenced mortgage loan file has undergone a quality control review by our office. Unfortunately, our review has revealed what we believe to be evidence of a “Misrepresentation” of a material nature (as such term is defined in the Policy) made in connection with the origination of the loan, the accuracy and completeness upon which Genworth Mortgage insurance Corporation relied in issuing its Certificate of Insurance. Our findings include the following: - « Inflated Appraisal - Vatue of Subject Property Inflated By $143,000 (64%), Resulting In An Original Loan-to-Value (LTV) Ratio of 137.66% As a result of the Misrepresentation, we believe we have no ifability under the Certificate of Insurance and effective immediately Genworth will be rescinding coverage ab initio. Enclosed is a check representing all premiums received to date by Genworth in connection with the referenced certificate number. Genworth Mortgage insurance Corporation values its relationship with Chase Home Finance, LLC. If you have information that refutes our findings, please forward it to the undersigned within the next 60 days. Should you have questions, please feel free to contact me at (919) 870- 2015. Sincerely, Ang Ba Ginny Bzdyk Investigations Specialist Enclosure INVPMR : ADMINISTRATIVE COMPLAINT. REVIEW OF LOCATED AT: 51 Lone Pine Street Homosassa, Fl. 34446 FOR: Geaworth Morigage Insurance BORROWER: Peter Garberg AS OF: December 7, 2005. BY: Mark A Grant,StGertResREA,RO3784 3875407318 Fie No, 271121644 _. OF YOST |O_pase 103 HST RAE Pc GonP RAINY an nomecanbnsnipeterecm— retest De i OSE, = : 5075407312 One-Unit Residential Appraisal Field Review Report —Fiewo. 271121644 ses’ Pach “GE tay (600 one Man Referee 18 20 13 Corse Tet OB1G [Pmpoty Runs Aowaised [XJ Foe Simic | Jiswctod [Jeter (dscme) Peet Tee | cone PX) pu | J cocperatin| ean Ul knows “Eos Ose of opis Under Rsiax TOTIBOSS Maxisctasa Home { Jves [xJio | torig anal carn arable sales. 1 Arete ia ae aah ering ha esis peste ithe Saks cangson appt care acto? Tires Eiders rote tt sna, Naexplla Pricer per souare fonlage adjustments appear low based on area standards and as shown in the grid portion of the provided bie sales. a. standard adjustment for the area averanes aporoximalaly $35, 00 of $25-S45 based on the quality.of constructia [uegrades and average materials, 2,.Aco the cata and analysis presemied in tha income and cast approaches complete and accwrata? (XI yes Clo LJnotdevetannd titta.expain Cost aporoach estimates: appear fairly accurate based on Marshalland Swift 8 fs the sale of vancler history reported for the Subjeet property and gach of the comparable sates complole and accurate? & ves T Jeo i Yes, provide 2 trtf summary. No, analyze and report the comrect Sale of transfer history and the data source(s). The information appears accurate. 10. Is the opiniaa of market value in the appraisal reporLunder Teview accurate as of the effective date of the appraisal re 200? Yes [X}No_if to. complete Sectign tt Eiaearlane Toure ie Seah as rs = Fanetaeta fos teech zo a Oe NT a eo me AUIS FRA LIVE SUMP LAINT EXHIBIT aa — Sener bane Gne-Unit Residential Appraisal Field Review Report 3675407318 file No. 271121644 CON HS COMPLET EIONCNGF-REW EW-APPRAISER ANSWERS SNOATO QUESTIONTOIN SECTION NE SERUS MANE ENC | 1. Provida detailed reesoning for disngrecment with the apinian of vakuc in the appratsst rogort under review, The than necessary. Additionally more recent comparable sales could be located. Jargec and further in bie sates ided appear significant @ State all exvaneénady asouraptions used (0. grass living aca, cont cham, candiion, cic). aii comparable sales and therefore, assumes the gross Ilyi count and conditi based on the ‘iginal raisal and public re thas Cony an exterior insoection of the subject and area. site information, interior information including, but not limited to room s information. 2, Provide 3 now opiate of valuo 3S of the effective date of the appraisal report under reviews using the boiow saks comparlson analysts ged, (NOTE: Yhis may oc play not inaude the use ef the sane Salas in the anoraigal report undec review.) FEATURE SUBJECT COMPARABLE SALE HO. COMPARABLE SALE NO. 2 COMPARABLE SALE NO. 3 51 Lone Pine Street 76 Lone Pine Street 19 Tall Marigolds Court § Talt Marigatds Court: Astros Homosa: Homosassa. Homosassa Homosassa datty to Sub Geer 0.23 miles NW 9.34 miles SE 0,32 miles SE Sale Price. x 266.235 [3 Ane § 214.500 [ees esl § 237,000 | BERRE SEERA s 247, 000) Sate tana | 121.90 cat [$145.45 suf $93.74 so, 6 [Es SURI s 67.71 sa, h SSeS ‘Data Sour _ Geoepete tens Rolls. TaxRatls. TaxRotis Vorifcatton, E RB 1935/0656 ORB 1844753 ORB 1929/1021 VALUE ADHISTMENTS 06: DESCRETION ais DESCRIPTION sAstboar—8 descReTION Es Adainent ‘Sale oF Financing fa] None Noted None Noted None Noted 2419 of Salortims ET Bisel eave 40/2005 Clsd_ 10/2005 Clsd 10/2005 Cisd Lscatign Average Average: Ayera A ie ‘te. Fee le Fee Si Fee Simple Fee te Sto. 30 Ac Mal 34 Ac Mol 30 Ac Mol 26 Ac Mol 0 Mi Average Average Average Average i Rai Ranch Ranch Ranch of Cominction ie Average werane Actual Age 2005, 2005 O05, Coreiion New New Above Grade Totat [beer bean a; far Jerod |edeexs|__ fate Jee lowe Osis ‘Room Count 643 2 713 2 ala 3. 40901 § | 3 2 Gross Lieng Aiea 35,00. 2,184 so. 1,858 59. fi 11,400! 2,528 se. 212,075 2.528 712,040 Basomeat 6 Firisned None None None {None Rooms Below Grado i uy erage Average Ave Average: He Central Central Central Central Enercy Elicient toms Standard Standard Standard {Standard 00 2 Car Garage 2. Car Gareae. 2 Car Garaa 2 Car Garane t Cyd/CvdPch, ] CydiCvdPch CvdiPatio a Other Amenities. None. None None None. Not Adiustinent (fot: 174,409 je J s 16,075 + j- 4S 12,040) Adusted Sato Price Not Ag. 6.8% Not Ad. 4.9% af ables 225.900 |smsag 6.8% |5 220,925 loosag 4.9%|8 960 1 Dae jc not research the sale or trnstor hestory of the above comparable sales. Knot, expan PublicRecards/MLS. esearch [X} oid Sel sot rework i Sales or wansters of the ()_PublioRecords/MLS. Soles lor the year prior to the diane of sale af me eormpacable sake Reepodt tha results of the research and analysis of the prior sate or transfor his Of the Shove comparable sales (teport ocidicond prior sales or: an acikenduen), CTEM COMPARASLE SALE RO. 1 COMPARABLE SALE NO. 2 COMPARABLE SALE NO. 3 Date of Prox Sak/Transter 05/2005-11/2003, 08/2005-05/2004 {o8/2008-04/2004 Prise of Fri Sale/Teansler 138 900-8, S00site $172,400-14.000 1$183.400-28.000 Dota Public Recards Public Records. Public Records. Eifective Date of Data Seurcess), {112007 14/2067 11/2007 Analysis of prior sata oc wanster history for ue: comparable sales. The 5 year sales history for the subject has been researched and reported as requested the Lender. ‘Sumrdary of Value Coacusion including dctazcd support for the opinion of valuc and reasons why ie new tompyabie Sales arc better than the sales usee in the appraisal repon under review, Adjusted market range best reflects interactions taking place in the current market. No consideration has been given to the original sales Drovided in this report. REVIEW APPRAISERS OPINION SOF. MARKET VALUE {Regd Shy Jenciiey aac alser aioe | ay eeepc Based on 2 UX) visual inspection of the exterior areas of the subject praperty from at least Ihe street oF Teomaiese: visual cnspection of the interior and exterior areas of the sublect property, defined scope of work, statement of assumptions and timiting cenditions, ang appraiser's certification, my opinion of the market vatue, as defined, of ihe real areperry chat és the subject of (his repon Is $ 225,006 .asof 12/07/2065 veil is tne effective daig of the aopriisal report under reviows, Fascha ta Foxe Wt Pee RS Cd og eg PAE ae reROR Pageaa Area Reat Estate Appraisal Services, LLC PAGE 3875407318 One- Unit Residential Appraisal Field Review net Fite. 271121644 “Te so0ot of wekor es aprasl ol reve is elond bythe eee of he agra epen ander teow nd the repring requtements a Bis apo for, inctuding the following stasement of assumptions and Iimiting conditions, and cettifications. ‘The review appraiser mast, at a minimum, (1) reed the entire ‘appraisal repo under review, (2) perform a visual inspaction of the exterior areas of the subject property fom at fonst tha street, (3) inspact the neighbarhacd, {Al inspect each of the comparable sales fram at least tha sireel, (5) parforn data research and analysis to determine the appropriateness and accuracy of the dalain the appraisal repan, (6) research, verdy, and analyze data from refiable pubic andlor private souroas, (7) determing the accuracy of tha opinion of value. ‘and (8) assume the property condition reported in the appraisal report is accurate unless there is evidence to. the contrary. Hf the review aparaiser determines that Ihe opinion of value in the report under review Is not acoxrate, Ir o¢ she is required to sruvide an opinion of market value. ‘Tha. tewlew appraiser is not required to repficate tha steps completed by the original appraiser that the review apocaiser bedeves to be cefable and in compliance with the eppicable real property appraisal cevelopenent standards of 1 Uniform Standards of Professional Apataisel Practice, Those tems in the aapralsal separt under review are extendad to this report by the Use of an extraordinary assuttintion, which bs ientified in Section If, Question 2. If the review appraiser: determines thal the opinion of value is not accurale, he or she must present additional data that hes been researched, verified, and analyzed to produce an ee ee Te ape er tn a nvr are Nef aan Hag Hos The ig ese (0 aid the review appraiser with the development and reporting of an appraisal feid review: 1. Thereview appraiser musi be the individual who personally read the entire appraisal report, performed a visual inspection of the exterior areas of the ssdject propery fom at last the steet, inspected the neighbectood ingpecied each of the comparable sales from at feast the street, performed the data fesearch and analysis, and prepared and signed this react. “The taview appraiser must focus his of her comments ont she appraisal report under review and nol include perancad opinions abet the appraisers) who Plapared the appraisal. ‘The lendericlient has withheld the identity cf the appraisers) who prepared the appraisal report under review, unless otherwise incicated in this repo The review appraiser must assume that the condition of the propecty reported in the appraisal report is accurate, Unies there bs evidence lo the contrary. This One-tinit Residential Appreisal Fioid Review Report is divided into wo sections, Section I must be completed for all assignments. Section Il must bo completed only @ the answer to Question 10 in Section Tis “No.” ‘The review appraiser must determine whether the opinion of market value is sccurale and adequately suppanted by market evidence, When the review appraiser disagrees wih She opinion of vakue, he or she musi complete Section fi. Because appraiser's opinions can vary, the review appraiser must have candusive evidence that tre opinion of valle is not acasate, The review appraiser must explain why the comparable sales in the apareisel repoct under review shad not have been used Simply stating: “soe grid” is unacceptable, The review appraiser mus! expisin and support his oc her conclusions, The review appraiser must form an opinion shout the overall sceuracy and quality of the data in the oppraisal repost under review. The objective. is to determing whether material errors exist and whet effect thay have on the opitions and conchisions in the appraisal report under review, When the review appraiser agrees that the data is essenvally correct (although minor errors may exist), he of she must summarze the overall findings, When the review appraiser determines that materia! errors exist in the deta, he oc she must identify them, comment on their overall effect on the opinions and eonckasians in the 2ppraisal report under review. and include the oomect information, The Questions in Section I are interided te ently both the pasitive and negative elemients of the appraisal under raview and to ceporl deficioncies. The ceview appraiser must make il cleat to the reader what effect the deficianciss have on the opinions and cénckusions in the appraisal report. Simple “Yes* and “No” answers ore. unaeceptable, The review appraisar must provide spestic, eypperatle reasons fr isegrening wih tre option of value in the appaial report ender review i responso to Cetestlon 4 in Seotion tl. |. The review aparaiser must idenlliy'sny extraordinary essumptions thal were necessary in onder te arrive at his or hes opinion of market value. Extaoniinary fesunptons ieade a use of rfrmalin from the apersisel report under vevie tnt tne review Spaiserconckadas io rekote (such as 0 assumpon that the reported conditian of the subject property is accurate}, a ‘Tho texiew apeeisee must include th rere or using new comparable sets, The folowing question must be atinrec Why are these new ‘comparable sales better than gre Sales in the appraisal report under review? ‘The new comparadla sales provided by the review appraiser and reported in the sales comparison analysis grid musi have closed on or belare the effective ate of the appraisal report under review, & may be appropriate to include data that was net availble to Ke original appraiser as of the effective date of the ‘original appraisal; however, that information should be reported as “supplemental” to the dsta that wouk! have been available to the origins! appraiver, "The review appraiser must provide a Sale or transfer history of the new comparobie sales for 2 minimum of one year prior to the date of sale of the comparable sale, The review appraiser must analyze the sale or Vansfor data and report the effect, Hany, on the review appraiser's conclusions, . A review of en appraisal on @ unil in 3 condominium, cooperative, or PUD project requires tha review appraiser to enalyze the project iformation in the ‘Bppraisal report under review and comment on its compicleness and accuracy. An appraisal review of 2 manufactured hame requires the review aopraisar to assume that the HUD datz plate information is conrect, untess information lo the contrary is available. in such eases, the review dparaiser must Kentily the source of he data. . 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Docket for Case No: 09-002303PL

Issue Date	Proceedings
Aug. 25, 2009	Order Closing File. CASE CLOSED.
Aug. 24, 2009	Motion to Relinquish Jurisdiction filed.
Jun. 16, 2009	Order Granting Continuance and Re-scheduling Hearing by Video Teleconference (hearing set for September 11, 2009; 9:00 a.m.; Lauderdale Lakes and Tallahassee, FL).
Jun. 15, 2009	Supplement to Motion for Continuance filed.
Jun. 12, 2009	Order Granting Motion to Withdraw as Counsel (Steven W. Johnson).
Jun. 11, 2009	Motion for Continuance filed.
Jun. 04, 2009	Notice of Appearance (of M. Donaldson) filed.
May 26, 2009	Motion to Withdraw filed.
May 06, 2009	Order Directing Filing of Exhibits
May 06, 2009	Order of Pre-hearing Instructions.
May 06, 2009	Notice of Hearing by Video Teleconference (hearing set for June 30, 2009; 9:00 a.m.; Lauderdale Lakes and Tallahassee, FL).
May 04, 2009	Joint Response to Initial Order filed.
Apr. 30, 2009	Initial Order.
Apr. 30, 2009	Administrative Complaint filed.
Apr. 30, 2009	Petition for Formal Hearing filed.
Apr. 30, 2009	Agency referral

Source: Florida - Division of Administrative Hearings

DEPARTMENT OF BUSINESS AND PROFESSIONAL REGULATION, DIVISION OF REAL ESTATE vs CHAD TURNER, 09-002303PL (2009)

Docket for Case No: 09-002303PL

Robert Minarcin

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DEPARTMENT OF BUSINESS AND PROFESSIONAL REGULATION, DIVISION OF REAL ESTATE vs CHAD TURNER, 09-002303PL (2009)

Docket for Case No: 09-002303PL

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Robert Minarcin

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