STATE OF FLORIDA DEPARTMENT OF BUSINESS & PROFESSIONAL REGULATION FLORIDA REAL ESTATE APPRAISAL BOARD FLORIDA DEPARTMENT OF BUSINESS & PROFESSIONAL REGULATION, DIVISION OF REAL ESTATE, Petitioner, v. \O-0374 PL HENRY CUSIDO, CASE NO. 2008039591 Respondent. oS Be & es / swe om ADMINISTRATIVE COMPLAINT S = The Florida Department of Business & Professional Re an 2 Rilatiap, a oN Division of Real Estate ("Petitioner") files this Administrativé Complaint against Henry Cusido(“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 5107 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 3198 SE H:\FREAB\CUSIDO.doe 3rd FDBPR v. Henry Cusido Case No. 2008039591 Administrative Complaint Drive, Homestead, Florida 33033. 4. On or about December 14, 2006, Henry Cusido (Respondent) developed and communicated an appraisal report (Report) for property commonly known as 3610 Oak Avenue, Miami, Florida (Subject Property), and estimated its value at $535,000.00. A copy of the Report is attached hereto and incorporated herein as Administrative Complaint Exhibit 1. 5. At the time the Report was developed and communicated, Respondent was a State Certified Residential real estate appraiser. 6. Respondent states in the Report that the sales contract was analyzed, yet no copy of an executed sales contract was located in the workfile. 7. Respondent states in the Report that the sales contract amount was $535,000.00, when the Broker's Sales Cover Sheet shows a sales price of $375,000.00. A copy of the Broker's Sales Cover Sheet is attached hereto and incorporated herein as Administrative Complaint Exhibit 2. 8. The HUD Statement for the sale of the Subject Property, dated April 2, 2007, shows a sales price for the Subject Property as $375,000.00. A copy of the HUD Statement for the Subject Property is attached hereto and incorporated herein as Administrative Complaint Exhibit 3. H:\FREAB\CUSIDO.doc 2 FDBPR v. Henry Cusido Case No. 2008039591 Administrative Complaint 9. Respondent states in the Contract section of the Report that the date of contract was January 26, 2007, when the effective date of the report was December 14, 2006, and the signature date of the Report was January 10, 2007; both dates prior to the contract being executed. 10. Respondent made the following errors and omissions in the Report: A) Failure to discuss or note the listing history for the Subject Property; Subject Property was listed for $539,000 on May 15, 2006, and subsequently was reduced several times to a listing history of $375,000 on December 1, 2006. A copy of the Subject Property’s listing history is attached hereto and incorporated herein as Administrative Complaint Exhibit 4. B) Misstatement in Subject section of the Report that Subject Property listing is located on page 19 of the Report, when the Report does not include a page 19; C) Incorrect Bathroom Count for comparable sale 2 in the Sales Comparison Approach section of the Report; D) Incorrect Gross Living Area for comparable sale 2 in the Sales Comparison Approach section of the Report; E) Failure to make an adjustment or provide an explanation for no adjustment on comparable sale 2 for its age difference; H:\FREAB\CUSIDO.doc 3 FDBPR v. Henry Cusido Case No. 2008039591 Administrative Complaint F) Failure to make an adjustment or provide an explanation for no adjustment on comparable sale 3 for its age difference; and G) Incorrect Gross Living Area for comparable sale 3 in the Sales Comparison Approach section of the Report. 11. The workfile provided by Respondent lacks a copy of executed sales contract for the Subject Property. 12. The workfile provided by Respondent lacks a copy of the contract engaging the Respondent’s services for the Subject Property appraisal. 13. The workfile provided by the Respondent lacks any contemporaneous documentation to support the adjustments and conclusions in the Report. 14. Respondent maintains the original work file was sent to the Department, returned to Respondent for insufficient postage, and was destroyed in the return process to Respondent. 15. Respondent was requested on numerous occasions to provide proof of the original workfile being sent, proof of its destruction as well as documentation to support the adjustments in the Sales Comparison section of the Report. To date, no documentation has been provided by Respondent. 16. There is no documentation in the workfile provided by the Respondent to support the One Unit Housing data in the Neighborhood H:\FREAB\CUSIDO.doc 4 FDBPR v. Henry Cusido Case No. 2008039591 Administrative Complaint section of the Report. 17. There is no documentation in the workfile provided by the Respondent to support the Present Land Use % data in the Neighborhood section of the Report. 18. There is no documentation in the workfile provided by Respondent to support the $21,000 Site adjustment to comparable sale 2 in the Sales Comparison Approach section of the Report. 19. There is no documentation in the workfile provided by Respondent to support the $12,500 Site adjustment to comparable sale 3 in the Sales Comparison Approach section of the Report. 20. There is no documentation in the workfile provided by Respondent to support the $5,000 Room Count adjustment made to comparable sale 2 in the Sales Comparison Approach section of the Report. 21. There is no documentation in the workfile provided by Respondent to support the $31,700 Gross Living Area adjustment made to comparable sale 1 in the Sales Comparison Approach section of the Report. 22. There is no documentation in the workfile provided by Respondent to support the $1,300 Gross Living Area adjustment made to comparable sale 2 in the Sales Comparison Approach section of the Report. HAFREAB\CUSIDO.doc 5 FDBPR v. Henry Cusido Case No. 2008039591 Administrative Complaint 23. There is no documentation in the workfile provided by Respondent to support the $32,000 Gross Living Area adjustment made to comparable sale 3 in the Sales Comparison Approach section of the Report. 24. There is no documentation in the workfile provided by Respondent to support the $2,000 Garage/Carport adjustment to comparable sale 1 in the Sales Comparison Approach section of the Report. 25. There is no documentation in the workfile provided by Respondent to support the $5,000 Garage/Carport adjustment to comparable sale 3 in the Sales Comparison Approach section of the Report. 26. There is no documentation in the workfile provided by Respondent to support the $10,000 Pool adjustment to comparable sale 2 in the Sales Comparison Approach section of the Report. 27. There is no documentation in the work file provided by Respondent to support the $10,000 PATIO, FIXTURES, ENTRY, ETC. adjustment in the Cost Approach section of the Report. 28. There is no documentation in the work file provided by Respondent to support the $300,000 Opinion of Site Value in the Cost Approach section of the Report. 29. There is no documentation in the work file provided by H:\FREAB\CUSIDO.doc 6 FDBPR v. Henry Cusido Case No. 2008039591 Administrative Complaint Respondent to support the $10,000 As-Is Value of Site Improvements in the Cost Approach section of the Report. 30. The work file provided by the Respondent lacks dated Marshall and Swift pages for the time frame that the Report was completed to justify the dwelling square footage price in the Cost Approach section of the Report. 31. The workfile provided by the Respondent contains Marshall & Swift Information for a Good/Very Good Quality Rating from Cost Service, when the Subject Property in the Report is listed as Average. A copy of the Workfile provided by the Respondent is attached hereto and incorporated herein as Administrative Complaint Exhibit 5. 32. The Subject property is currently facing a foreclosure action. A copy of the Notice of Lis Pendens is attached hereto and incorporated herein as Administrative Complaint Exhibit 6. 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 fraud, misrepresentation, concealment, false promises, false pretenses, H:\FREAB\CUSIDO.doc 7 FDBPR v. Henry Cusido Case No. 2008039591 Administrative Complaint dishonest conduct, culpable negligence, or breach of trust in any business transaction in violation of Section 475.624(2), Florida Statutes. COUNT THREE 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. COUNT FOUR Based upon the foregoing, Respondent is guilty of having obstructed or hindered in any manner the enforcement of Chapter 475, Florida Statutes or the performance of any lawful duty by any person acting under the authority of Chapter 475, Florida Statutes in violation of Section 475.626 (1) (£), Florida Statutes. COUNT FIVE 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 (2006) in violation of Section 475.624(14), Florida H:\FREAB\CUSIDO.doc 8 FDBPR v. Henry Cusido Case No. 2008039591 Administrative Complaint Statutes. COUNT SIX Based upon the foregoing, Respondent has violated a standard for the development or communication of a real estate appraisal, specifically the Recordkeeping Section, or other provision of the Uniform Standards of Professional Appraisal Practice (2006) 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-l(a), (b) and (c), or other provision of the Uniform Standards of Professional Appraisal Practice (2006) 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 1-4(b), or other provision of the Uniform Standards of Professional Appraisal Practice (2006) in violation of Section 475.624(14), Florida Statutes. COUNT NINE Based upon the foregoing, Respondent has violated a standard for the development or communication of a real estate appraisal, HAFREAB\CUSIDO.doe 9 FDBPR v. Henry Cusido Case No. 2008039591 Administrative Complaint specifically Standards Rule 1-5(a), or other provision of the Uniform Standards of Professional Appraisal Practice (2006) in violation of Section 475.624(14), Florida Statutes. COUNT TEN 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 (2006) in violation of Section 475.624(14), Florida Statutes. COUNT ELEVEN Based upon the foregoing, Respondent has violated a standard for the development or communication of a real estate appraisal, specifically Standards Rule 2-2(b) (viii), or other provision of the Uniform Standards of Professional Appraisal Practice (2006) 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, H:\FREAB\CUSIDO.doc 10 FDBPR v. Henry Cusido Case No. 2008039591 Administrative Complaint 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 61J31-8.002, 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 notice; or any combination of the foregoing which may apply. See Section 455.227, H:\FREAB\CUSIDO.doc M FDBPR v. Henry Cusido Case No. 2008039591 Administrative Complaint Fla. Statutes and Florida Administrative Code Rule 61J71-8.002. SIGNED this I> aay of ~\UWS., 2009. 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: JH/PB 6/09 H:A\FREAB\CUSIDO,.doc . 12 FDBPR v. Henry Cusido Case No. 2008039591 Administrative Complaint 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 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. 82:6 HY OZ NUE OL i H:\FREAB\CUSIDO.doc Miami-Dade County Clerk - County Recorder's Record Search - Image Display Page 2 of 3 A YORDUD MORNE 1408 raves pumas evure owes wens sae INTHE CRCUM COURT CFN 20Q8R0391125 MIANLDADE COUNTY, FLORIDA } CL DVSION UR Sk 26374 Fa SAT (bps) AD V/V OD HEY RT LER OF Carl HATE CY FRE UAT NE THEBANK OFNEV YORE AS TRUSTE FIR TEE CETCATE SIDES CHALE NC, ALTERNATIELOAN TRUSTING MORTGAGE VB2505 1 Chg >ASTRROUGHCRTCATE RES sO Pla S ANGLIA MORERA aia AMELIA C MORERA, MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC. HOME NOTICE OF LIS PENDENS TODERENDANTS: ANIA MORERA aa AMELIA CHORERA MORTGAGE BLECTRONIC REGISTRATION SYSTEMS, IC. ; HOME FINANCING CENTER INC. UNANOWN TENANTSIOWNERS ALL OTHERS 70 WHOM IT MAY CONCERN ; Youare oti of into ofthis ston by Plat aint you secking to frecoea montane cocuerig he flowing real property in Miami Dade Cou, Fond LOT2, BLOCK 1§, AMENDED PLAT OF THE FROW HOMESTEAD, ACCORDING 10 THE PLAT THEREOF, AS RECORDED INPLAT BOOK ‘B’ PAGE 106, OF THE PUBLIC RECORDS OF MIAMI-DADE COUNTY, FLORDA. . wit sec address of 3610 OAK AVE, MAM, FL 33133. ' DATED: April 30,2008 ad Pda Pit Be Wa: Kas Ser She Sei, Foye Sam, DA POBox 1SI5N Fad a http://www.miami-dadeclerk.com/public-records/image.asp?page=1 &cfn_master_id=21 78... 3/24/2009 APPRAISAL OF REAL PROPERTY © LOCATED AT: : 2 3610 OAK AVENUE LOT 2, BLOCK 18, FROW HOMESTEAD PB 8-106 MIAMI, FL 33133 ° JP MORGAN CHASE BANK, NA - NIA Doe “* JACKSON, JACQUELINE BY: JOHN H, ROBINSON, ST-CERT.RES, REA RD2506 _EXP.11/3072008 © "ADMINISTRATIVE COMPLAINT EXHIBIT # Form| GA3 — “WinTOTAL* appraisal software by a fa mode, inc. A ai A OF — RA. rite Ne. 0207020L.C Bonower/Clent_ AMELIA CRISTINA MUrci Property Address 3610 Oak Ave ST re MIAMI-DADE Stale FL Bp Code 33133-4908 Additional Cornments Building Sketch (Page - 1) Subject Photos ...... Photograph Addendum Comparable Photos 1-3 Location Map .. Resume Resurng Errors and Omissioa .. License(s) SUBJECT LISTING HISTORY LOCATED AT: 3810 Oak Ave MIAMI, FL: 23133-4808 FOR: Deco Martgage Group Int G175 Nw 153 Street, Suite 223” Miami Lakes, FL 33014 AS OF: 12/14/2006 BY: - Henry Cusido” ADYIG Appraisers : thie No. 02070201 | Page #2} Jniform Residential Ap raisal Report: swe cooreomc The purpose oi tres summary appraisal report is 10 provide the fender/client wit an accutale, and adequately Supported, apirion of the markel value of the subject property, AdUress 4610 Oak Ave City MIAMI Stale Ft Zip Code 33139-4008 Bonower_AMELIA CRISTINA MORERA Owner of Puotic Record AGRAHAM W MCLAINJR &* ounty MIAMI-DADE Legal Description _FROW HOMESTEAD PB B-108 LOT 2 BLK 15 Assessor's Parcel # 01-4127-007-2086 : Tax Year 2005 RE Taxes $1,576.74 hbarhood Kame FROW. HOMESTEAD Map Reference 54.41.21 Census Tract 0074.00 ey Occupant _[) Owner [} Tenant _(5<) Vacant ___Speclal Assessments § NONE KNOWN C] Pub HORS wa (J pee year | per month 54 Property Rights Appraised Fee Simple {_} Leasehold Other (describe) . : ignment Type _(] Purchase Transaction _(_] Refinance Transaction [J Other (deseribe) : Lender/Cilent_ Deco Mortgage Group Int a Address _6175 Nw 153 Street, Suite 223, Miami Lates, FL a3074 . |s the subject property currently offered for sale or kas ft been affered {or sale in the twelve months prior to the effective data of this appraisal? Reporl data source(s) used, offering price(s}, and date(s). FARES/ML S/MIAMIQADE. GOVIMLX. SEE SUBJECT LISTING PAGE #19 “CWNER OF PUBLIC RECORDS: AGRAHAM W MCLAIN JR & JACQUELINE M JACKSON | &) da Cy die not analyze Une contrac! for sale for the subject purchase transaction. Explain the results of the analysis of the contract for sate or why the analysis was not performed. The sales contract has been execuled by both parties. No signs of undue stimulus was noted, The sales S price is at fair market value, | Contract Price $535,000 Date of Contract 01/26/2007 __ 1s the property sel the owner of public record? [Yes ["]No_Data Sowee(s) FARESmiAMIDADE |s there any financial assistance loan charges, sale concessions, alt of downpayment assistance, etc.) lo be paid by any party on behall af the borrower? i Yes (I No tt Yes. report the ola! dobar amount and describe the items to be paid NONE _ _ increasi Declining Property Values. Location (7) Urban Suburban [| Rural D Fy Buit-lp OX] Over 75% [} 25-75% _ [-] Under oo% Demand/Supply [| Shortage [x] In Balance [) Over Supply | (G00) Ss Growth Rapid ie Stable: Slow Marketing Time Under 3 mths [J 3-6 mins ial ver Smhs | 200 Low Fe Neighborlioud Boundaries NORTH OF POINCIANA AVENUE, SOUTH OF BIRD ROAD, EAST OF SOUTH DIXIE 2 | HIGHWAY, WEST OF SISCAYNE BAY IN THE COCONNUT GROVE SECTION OF MIAMI. conclusions) FINANCING 1S READILY AVAILABLE FROM SOME SELLER FINANCING WAS ALSO. NOTED. PROPERTY VALUES APPEAR TO BE STABLE ATTRIBUTED TOABAl TIME FOR SIMILAR PROPERTIES IN THE. SUBJECTS MAI Dimensions 50° x 100° -. Aiea ‘5.000 Sa.Ft Shape RECTANGULAR View RESIDENTIAL pecitic Zomng Classification R-1 __'__ Zoning Descriplion SINGLE FAMILY RESIDENCE Zoring Compliance [> Legal [7 Legal Neacantarming (Grandtatheied Use) [77 No Zaring | 7 Meo! (describe) Is the fighes! and best use af subject property 4S improved for as proposed per plans and Specitications) the present use? mM Yas. } iio if Wo, descrine Public Giber (describe) Public Other (deseibe) Off-site improvements ~ Type Public Private q } municiea, Water fC) municieat. Steet PAVED ASPHALT | & CLT None woTeo Sanitary Sewer_[_] >] SEPTIC TYPICAL Ally NONE NOTED. FEMA Special Flood Hazard Area (Yes EX) No FEMA Flood Zone x FEMA Map # 12025C0190 ... FEMA Map Date _ay2/3g94... Averiheubiities-and olt- site imorovemerits typical for the market area? Byes fT Noi No, describe Are there any adverse site conditions ot extemal factors {esements, encroachments, environmental conditions, land uses, etc)? Yes ENo_ Wi Yes, describe THE SUBJECT SITE APPEARS TYPICAL AND CONFORMING, NC) APPARENT ADVERSE EASEMENTS OR ENGHOAGHMENTS OBSERVED. A SURVEY WAS NOT PROVIDED PRESENT LAND USE IS. PERMISSIBLE UNDER CURRENT ZONING CLASSIFICATION. Car Storane__ (7) [XI Driveway # of Cars 2 pea a FWA OT Hives Tl {LJ Other — Needed repairs, delerioration, renovations, Jemoteling, etc.).._-_ THE SUBJECT IS IN AVERAGE CONDITION OVERALL HAVING BEEN UPDATED AND RECENTLY RENOVATED . THERE WERE NO REPAIRS, NECESSARY AT THE TIME OF INSPECTION. THE QUALITY OF CONSTRUCTION IS AVERAGE AND THERE WAS NO EVIDENCE OF FUNCTIONAL AND/OR EXTERNAL DEPRECIATION. describe Are there any physical veticiancies or adverse conditions that affect the livability, soundness, oF structural integrity’o! the property? (7 Yes X) No Hf Yes, Does the Droperty benerally contarm tothe neighborhood (functional utility, styte condition, use, constnicton, ete)? x Yes Na _HNo, describe Freddie Mae Form 70 March 2005 ° +" Page arg Form 1004 — “WinTOTAL* appraisal software by al mode, inc — 1-800-ALAMODE [File No. 02070201 C1 Page #3) Jniform Residential Appraisal Report Fie # 02070206 12__ comparable properties currently offered lor sale in the subject qeighborhoed ranging in price ‘om $399,000 Comparable sales in the subject ~ 3460 FLORIDA AVENUE MIAMI, FL 33133 $___ 425.10 sq.ft FARES/MLS/REALQUEST. EXTERIOR INSPECTION : EXTERIOR INSPECTION " DESCRIPTION CONVENTIONAL CONVENTIONAL 09/06 CLOSED ; ___NO ADL/07/06 CLOSED AVERAGE, FEE SIMPLE (ee SIMPLE FEE SIMPLE 5,000 SOFT, [7.100 sa.Ft, 6,250 SQ.FT. RESIDENTIAL RESIDENTIAL RESIDENTIAL 1 STORY {RESeS : AVERAGE AVERAGE 48 YEARS * 60 YEARS +21,700| Py Funcbonal Utity Fd Heating/Goo as Fd Eneroy Efficient lems STANDARD. STANDARD. STANDARD STANDARD [ ~d Fa Gatage/Carpo _JOPEN PARKING |1 GAR CARPORT| -2.000] OPEN PARKING 1 CAR GARAGE “_ -5.000 Bal PorchyPatioDeck Exetrvpaioweck _[enrayreanonex ENTAYPATIODECK | ENTHVPATIONECK FA POOL NONE NONE : IN-GROUND 10,000] NONE Z : — = . { a : : LL _ 5 Nel Adustment (Total) { + OTs 24700) Ll+ W- [§ -37,300 + - |$ 214,300 Pr) Adjusted Sale Price vonae NetAd. 47% Net Ad. 57% - (NAG 27% Eto! Comparables : Gross Adj. S5%|/$ ~ 549,700/Gross Adj. 6.7 %15 522,700/Gross Ad}. 3.9%)$ 510,700 RSI Do did] did ot research the Sale or transfer history of the Subject nropeny aed comparzhle Sales. # nol explain My research [J did’ 02 did no reveal Any prior sales or transfers of the subject property tor the tivee years pric to the effective date of this appraisal, Data Source(s) FARES/MLS/REAL QUEST : : - a —fBMe research [7 id 62) cid not reveal any prior sales or transters of the compar eble sales for the year priar t5'¢ ‘of Sale of the comparable sale. gy Data Source(s} FARES/ML SAMLWREAL QUEST Report the sesults of the research and analysis of the prior sa'e or transter history of the Subject property and comparable sales {report additional prior sales on page 3. ITEM : ~__ SUBJECT _ COMPARABLE SALE #1 [COMPARABLE SALE #2 COMPARABLE SALE #4 Date of Prior Sale/Transter NO PRIOR SALE WITHIN THE |NO PRIOR SALE WITHIN THE [NO PRIOR SALE WITHIN THE [NO PRIOR SALE WITHIN THE. Price of Prior Sate/Transter LAST THIRTY SIX MONTHS |tasT TWELVE MONTHS ‘LAST TWELVE MONTHS LAST TWELVE MONTHS Data Saurce(s} FARES/MLS/REAL QUEST FARES/ML SIREALQUEST FARES/MLS/REALQUEST FARES/Mt X/REALQUEST Effective Date of Data Source(s 42/08/2006 42/08/2006 ~ 12/08/2008 12/08/2006. Analysis af prict sate or transfer history of the subject property and comparable sales NO PRIOR SALES HISTORY AND'OR TRANSFERS FOR THE SUBJECT AND THE COMPARABLE SALES FOR ANALYSIS Cost Approach (if developed) $ 443,000 income Approach (i develaped)$ Nia ISON APPROACH AS IT 1S THE MOST WIDELY USED AND RESPECTED BETWEEN BUYERS AND SELLERS IN THE SUBJECTS MARKET AREA WHEN ARRIVING AT THE FINAL OPINION OF MARKET VALUE, EQUAL WEIGHT WAS PLACED ON ALL ‘This appraisal is made Px] "as is“, (] subject to completion per plans and specilications on the basis of a hypothetical condition that the improvements have been compicted, (_] subject lo the loltowing repairs of alterations an the basis of 2 hypothelical condition that the repairs nr alterations have been completed, or (] subject to the Jollowing reguired inspection based on the extraordinary assumption that the condition or Geticiency does not require aeration or repair; Scope of work, statement of assumptions and limiting ropeny that is the subject of this report is eppraisal, Based on a complete visual i ion of the interior and exterior areas of the subject , defined conditions, and appraiser's ication, my (our) opinion of the market value, as defined, of the real pl $535,000 as of 12/14/2006 which is the date of inspection and the effective date of this Freddie Mac Form 70 March 2005 . Page 2016 Form 1004 — -Win TOTAL" anpraisat software by a ta made, inc. — 1-800-ALAMODE ‘Sniform Residential Appraisal Repon This report form is designed to feport an appraisal of a one-unit Property or @ one-unit praperty with an accessory unit; including a unit in a pianned unit development (PUD). This Feport form is not designed to report. an appraisal of a manufactured home or a unit in a condominium or cooperative project. . Fis # 0207020LC This appraisal report is subject to the folowing scope 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, or assumptions and ‘limiting conditions are nat’ bermitied. The appraiser may expand the scope of work to include any additionat research or analysis Necessary based on the complexity of this appraisal SCOPE OF WORK: The scope of work for this appraisal is defined by the complexity of this appraisal assignment and the Teporting requirernents of this appraisat teport form, including the following definition of market value, staternent Of assumptions and limiting conditions, and Certifications. The appraiser Must, at 2 minimum: (1) perform a compiete 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 martgage 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 compelitive 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 af 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 infarmed pr 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 thereta: 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 taw in a market area; these costs are readily identifiable since the seller pays these costs in virtually all sales tansactions. Special or creative financing adjustments can be made to the STATEMENT OF ASSUMPTIONS AND LIMIT! ING CONDITIONS: The appraiser's Certification in this report is subject to the follawing assumptions and limiting conditions: 7 . . 1, The appraiser will not be responsible for matters of a legal 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 assurnes thal the title is good and marketable and will not render any opinions about the titie. 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. . : 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 appraisal report any adverse conditions (such as needed repairs, deterioration, the presence nf 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 the appraisal. Unless otherwise stated in this appraisal Teport, 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 Tepairs, deterioration, the presence of hazardous wastes, toxic substances, ; adversé environmental cunditions,. 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 imptied. The appraiser will not be tesponsible 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. oa soe ces . . 6. The anpraiser has based his or her appraisal repost and valuation conclusion for an appraisal that is Subject'to salistactory Completion, repairs, or alterations on the assumption that the compietion, repairs, or alterations of the subject property will be performed in a professional manner, BT tee tee eee bantu nena Freddie Mac Form 70 March 2005 : Page 4 of 6 Form 1004 — “Win TOTAL* appraisal software by @ la mode, inc, — 1-800-ALAMODE : be: avo Ho” bel ibne No_U2070201 6! Page #6) File # 0207020LC Uniform Residential Appraisal Repon. APPRAISER’S CERTIFICATION: The Appraiser cerlifies and agrees that: 1, t have, at a minimum. Geveloped 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 physical deficiencies that could affect the livability, soundness, or structural 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 promutgated 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 sais comparison approach for this appraisal assignment. | further certify that |-considered the cost and income approaches to valve but did not develop them, unless otherwise indicated in this Teport. : . 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, unless otherwise indicated in this report. 7. {selected and used comparable sales that are locationatly, physically, and functionally the most similar to the subject property. 4. | have not used comparable sales that were the result of combining a land sale with the contract purchase price of a hame that has been built or will be built on the land. . . . 9. | have reported adjustments ta the comparable sates that Tetiect the market's reaction to the differences between the subject Property and-the comparable sales, . . 1G. -| verified, from 2 disinterested source, al! information in this repart that was provided by parties who have a financial interest in the sale or financing of the subject property. . . . 11. 1 have knowledge and experiance in appraising this type of property in this market area. 12. | am aware of, and have access te, the necessary and appropriate public and private data sources, such as muttiple listing services, tax assessment records, public land records and other such data sources for the area in which the Droperty is located, 13. 1 obtained the information, estimales, and opinions fumished by other parties and expressed in this appraisal report from reliable sources that | believe to be true and correct. . 14, | 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 propery to adverse influences ‘in the development of my apinion 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 of the property value, and have reported on the effect of the conditions on the value and marketability of the subject propery. 15. { have not knowingly withheld any Significant information from this appraisal report and, to the best of my knowledge, al! statements and information in this appraisal report are true and correct. . 16. { stated in this appraisal yeport my own personal, unbiased, and professional analysis, opinions, and conclusions, which are subjecl only to the assumptions and limiting conditions in this appraisal report. . ve ee 17. | have no present or prospective interest in the property that is the subject of this report, and | have no present or prospective personal interest or bias with Fespect to the participants in the transaction. | did not base. either partially or completely, my analysis and/or opinion of market value in this appraisal report on the race, color, feligion, 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 of 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 tor performing this appraisal or any fulure or anticipated appraisals was nat conditioned on any agreement or understanding, written or atherwise, that | would report (or present analysis supporting) a predetermined specific value, a predetermined minimum vatue, a Tange or direction in value, a vaive that favors the cause of any party, or the attainment of a specific resut or occurrence ‘of a specific subsequent event {such as approval ot i 9 pplication), cee we . nna sone responsibility for it,” 20. | idantifiad the londer/client in this appraisat report who is the individual, organization, or agent for the organization that ordered and will receive this appraisal report. . oo. Freddie Mac Form 70 March 2005 Page 5 of 6 oo ~ Fannie Mae Form 1004 March 2005 Form 1004 — "WinTOTAL” apnraisa software by a la made, inc! — 4.800-ALAMODE |” TYE COM! 21. The lender/client may 22. | am aware that any disclosure or distribution of this that pertain to disclosure or distribution by me. . ot any mortgage finance transaction that statements, conclusions, and the appraiser's certification. promulgated by the Appraisal Standards Board of The yeporl was prepared. . : . APPRAISER Signature Name Hen - Company Name ‘alle apricen Company Address 12340 Southwest 132nd Coun, Miami, FL 33186 Jniform Residential Appraisal Report borrower; the mortgagee or its Successors and assigns, mortgage insurers; obtain the appraiser's or supervisory appraiser's (if applicable) consent. Such consent’ must be obtained before this appraisal 4 0 appraisal report by me or the lender/client maybe subject to certain laws and regulations. Further, | am also Subject to the provisions of the Uniform Standards of Professional Appraisal Practice 23. The borrower, another lender at the request of the borrower, the mortgagee or its successors and “assigns, mortgage insurers, govemment sponsored enterprises, and other secondary market participants may rely on this appraisal repost as part involves any one or more of these parties. 7 25. Any intentional or negligent tmisrepresentation(s) contained in this appraisal report may result in civit liability and/or ‘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. 7, 2. Laccept full responsibility for the contents of this appraisal report including, ‘contractor or an employee of the Supervisory appraisar (or ihe 3. The appraiser identified in this appraisal report is either a sub- ptable to ‘perform this appraisa} under the applicable state law. appraisal firm), is qualified to perform this appraisal,.and is acce; 4. This appraisal report complies with the Uniform Standards of Professional Appraisal Practice that were adopted and Appraisal Foundation and that were in place at the time this appraisal 5. | this appraisa! report was tansmitied as an “electronic record” defined in applicable federal and/or state taws {excluding audio and appraisal report containing a copy or representation of my signature, valid as if a paper version of this appraisal report were delivered containing my original hand written signature. Ele No UU UHUE tt Page #7} File # 0207020LC without having to but not limited to, the public through advertising, public or both under the provisions of Title 18, United States but not limited to, the appraiser's analysis, opinions, Containing my “‘electronic signature,” as those terms are video recordings). or a facsimile transmissian of this the appraisal raport shall be as effective, enforceable and SUPERVISORY APPRAISER (ONLY IF REQUIRED) Signature __ Name Company Name Company Address Telephone Number (305) 256-8326 Email Address _nenry@aliproagpraisers.com Date of Signature and Report January 10, 2007 Effective Date af Appraisal 12/14/2006 State Certification 4 St. Cert. Res. REA #RD 5107 or State License # or Other (describe) State # State FL Expiration Date of Certification or License 11/30/2008 ADDRESS OF PROPERTY APPRAISED 3610 Oak Ave . MIAMI, FL 33133-4908 : ae _ APPRAISED VALUE OF SUBJECT PROPERTY $ 535,000 LENDER/CLIENT Name Company Name Deco Mon G int 53044 Email Address ____ Freddie Mac Form 70 March 2005 “Email Address or State License # : [J Did inspect exter Company Address 5175 Nw 153 Siresl, Suite 273, Miami Lakes. FL 330. Page Gof 6 Telephone Number ; ; Te __ Date of Signature. State Certification # eee nes State Expiration Date of Certification or License ee SUBJECT PROPERTY C2 Did not inspéct subject property ior of subject property from street Date of inspection (© Did inspect interior and exterior of subject property Date of Inspection . . COMPARABLE SALES - C1 Did not inspect exterior of comparable sales from street [] Did inspect exterior of comparable sales from street Date of inspection. Fannie Mae Form 4 vi 004 March 05. TYE CON API He. 7 a Additional Comments Te No. s207020.6 Gorrower/Chent AMELIA CRISTINA Ren ERA Property Address 3610 Oak Ave MAMI Purpose of the Appraisal: | To estimate the market value opinion of the tee simple estale of the subject property. Function: : The function of this report is 10 assist the cient in his/herlending decision Scope of Work: — ; , In preparing this appraisal, | have inspected the subject site and improvemanis. The subject's markel srea and simiar areas were Considered in the collection of comparable improved sales and confirmed with Public records. This information was applied in the sales Bcquired and sold on the basis of their income producing capacities. Therafora, Tconcks Ged the primary approach Io value was the sales comparison approach to conclude a valve. This Summary Appraisal Report is intended te comply with the reporting requiremenis sel forth under all Standards Rujes 2-2(b) of the Unifarm Standards of Professional Appreisal Practice for s Summary Appraisal Report. As such, it presenis only summary discussions of the data, reasoning, and analyses that were used in the appraisal Process to develop the opinion of value. Supporting documentation concaming the data, reasoning, and analyses is retained in our digital work file. The depth of discussion sontained in this report is specific to your needs and for lhe inlended use stated at Ihe beginning of this report. : Finaby, afer making an inierior and exterior inspection of the improverrienis, the physical characteristics of jhe iand such as size, shape. location, and topography have been considered. In addition, the analysis has included the Surrounding developments, existing zoning, access to major transportation roules, availability of utiities, current trends, and demand for Property of this type in the real esiate market, | did a sales search of improved properties covered around the subject property and over a three-year period for comparable sales. The appraisal reper! has @ recapitulation of the data, analyses, and conclusians arising from the research Berlormed during the course of this assignment; supporting documentation has been retzined in the digital work file. oo . Indicated Exposure Time: 3 to 6 months Estimated Marketing Time: 306 months Reconciliation: All three approaches to value were considered. The appraiser considered that the incame ‘approach to valve was inappropriate since there was insufficient rental dala to support the development of a gross rent muttiptier. Therefore, the two remaining approaches; the sales comparison and the cast approach were utilized to arrive al the Subject's estimated market value. When arriving amiving at the subject's final . .2slimate of value, most emphasis.was placed.on.the sales comparison approach lo valie.-as eresutt of the Toliabilily of markei data, Cost Approach; ‘The appraisers assume thal there are no hidden or unapparent conditions of the property. subsoil or structures which would render it more or less valuable than otherwise comparable Property. The appraisers are nol experts in determining the presence or absence af hazardous Subslance, defined as all hazardous of toxic materials, waste, pollutants or contaminants {inctuding, but not limited to, asbestos, PCB, UFFI, or ather raw materials or chemicals) used in construction or otherwise Present on the property. The appraisers assume no responsiblity tor any engineering studies or analysis which would be required lo conchide or discover the presence or absence of such substances or for loss. @S a resull of the presence of such substances of for unapperent physical conditions. The value estimate is based on the @ssumoption that the subject property is not so affecied. Also, the Subject property may contain lead based paint if constructed prior to 1974. # constructed after 1978 it is not balieved to contaln tead based paint. The client is hereby nolified that the appraser is not qualified nor has been asked to detec! lead based paint and or other hazardaus subslances conceming the subject properly. vv eevee pte c neuen ne Acceptance of and/or use of this appraisal report consitutes acceptance of the foragaing General Underlying Assumptions and General Limiting Conditions. The appraisers’ duties, Pursuant to the employment to make the appraisal, are complete upon delivery and acceptance Of the appraisal reporl. However, any Corrections or errors should be called to the altention of the appraisers within 60 days of the delivery of the report, Farm TAD —~ “WinTOTAL” appraisal sotwate by @la mode, ine —~ 1-ROO-ALAMODE Additional Comments | Na. caonentie . Borrower/Clent AMELIA CRISTINA Mun.cRA Property Address 3610 Oak Ave : . : it MIAMI County MIAMI-OADE State FL. Zia Code 33133-4906 Deco Mortgage Group int Subject and Sales Data: analysis and property description is included wéthin the appraisal report. Other data considered ‘of analyzed and deemed periinent or not during the appraisal process has been included in the reparts digital work fila. . Inspection: . - ” The appraiser performed routine interior and exterior inspection of the subject property. The measurements of the subject property were calculated with 2 measuring device and are estimates only. The inspeciion did not consist él the physical inspection of the attic area, under the unit/house floor area, or other areas nol easily and readily accessible during a routine walk through of Ihe house/unil. The inspection dig nol include the investigation of the placement of insulation wilhin the walls or ceiling. No consideration to value nor individual testing was Derlormad for appliances and equipment improvements. if Ine property is an FHAIHUD Wansaction, the inspection was compleled accordance to the 4150.2 handbook and FHA/HUD guidelines. . The appraiser relied an sales data from: 1) FARES 2) MLX 3) ReatOQuest 4) County Records 5) Governmental Agencies 6) Assessor Records . 7) Homeowner and or other disinlerested and knowleageable persons involved in the Iransaction. appraisers. As a result, the Federal Trade Commission issued a rule focused on the protection af “non-public persona! information” provided by consumers to those involved in Rnancial activities “found to be closely related lo Banking of usuai in connection with the transaction of banking.” These activities have been deemed to inclide ‘appraising real or Personal properly ~ (Quotalions are from the Federal Trarie Commission, Privacy of Consumer Financial information; Final Rule, 16 CFR Part 313). ° : Finally, the scope of this appraisal is believed adequate for the purase and function of this real property appraisal report. Form TADO — "WinTOTA!™ appraisal software by ala made, inc. ~ 1-800-ALAMOOE . . [rie 2 Bier #1 Building Sketch Borrower/Clent_ AMELIA CRISTINA hi- .cRA Propetty Address 3610 Oak Ave - if MIAMI ~ County MIAMI-DADE Stale FL Zp Code 33133-4008 Lender Deco Martgage Group Int . FAMILY DINING’ - BATH KITCHEN BEDROOM. LivING RaOM "ENTRANCE AREA CALCULATIONS SUMMARY Description Net Size First Floor 1628.7 First Floor SOVERED PATIO eee ee ee ee ges Lo : 45.5 25.0 5.0 Net LIVABLE Area” (Rounded) MINIS . wre WO UU ZU Paye #11. Subject Photo Page Borrower/Clent AMELIA CRISTINA Ma. cRA Property Address 3610 Oak Ave Cit MIAML County MtAMI-DADE. State_FL Subject Front 3610 Oak Ave Sales Price 538,000 GLA 1629 To Rooms 6 Tot Bedms, 3 Tot, Baths. 2 Location AVERAGE View RESIDENTIAL Site 5,000 Sq.Ft Ouatty AVERAGE Age 34 YEARS Subject Rear ‘Subject Street Form PiC4x6.SR'— "WinTOTAL" apprasal software by ala mace, inc, —- 1-800-ALAMODE : : ttuew U2U/020LE1 Page #12) Photograph Addendum County _MIAM(-DADE Slate FU 2p Code _33133-2908 KITCHEN. “LIVING ROOM BEDROOM | - DINING AREA ; bete No, UZ07U20H Cl Page #13) Comparable Photo Page Borrower/Clent_ AMELIA CRISTINA MUsERA Property Address 3610 Oak Ave Ci County MiAMI-DADE Stale FL___-_ Zip Code 33133-4908 Comparable 1 3460 FLORIDA AVENUE Prax. to Subj. 0,18 miles SE Sales Price 525,000 GLA 1,235 Tol. Rooms 6” ~ Tol. Bedrms. 3 Tot. Bathrms. 1 Location AVERAGE View RESIDENTIAL Site 5,000 SQ.FT, Quatity AVERAGE Age 48 YEARS. Comparable 2 3155 FLORIDA AVENUE Prox. te Subj. 0.45 mites E Sales Price $60,000 GLA 1,652 Tot Rooms 5 . Tot, Bedrms, 3 ~~ Tot Barhrms, 3 Location AVERAGE View RESIDENTIAL Site 7,100 SQ FT, Quality AVERAGE Age 60 YEARS Comparable 3 3020 OHIO STREET Prox. tp Subj. 0.4 miles NE. Saks Price 525,000 GLA 1.570 Tal Rooms 6 “Tot, Bedrms, 3 Tot. Baths, 2 Location AVERAGE View RESIDENTIAL Site >: 6.250 SO.FT._° Quality AVERAGE Age 41 YEARS , . ss OT pI aoa et Ve Furm PIC4x6.CR — “WinTOTAL* appraisal sattware by a la mode, inc. —~ 1-800-ALAMODE lle No 021 07020. 0) Pane #14 Location Map Borrowe/Clent AMELIA CRISTINA MUnERA Property Addtess_ 3610 Oak Ave” City MIAMi County MIAMI-DADE: State FL Lender Deco Mongage Group tnl . : : 2p Code_23133-4908 Comperatte #3 320 GRID STREET Dd miles NE ' any Ue MS, ~ re Comparable #1 3460 FLORIDA AVENUE 918 miles SE le No. 0207020 CI Pane # 15{ - Resume Henry Cusido oe a 305-256-8326 Fy 12340 Southwest 7 Coun, Miami; Florida 33786 . ” heny@alleroappraisers. cam Professional Profile Active in the real estate profession far over five years with an emphasis on residential appraising for the last three years. Currently working towards my Bachelor of Science Degree in Real Estate. Owner and Operator of AlLPro Appraisers. me im : . ‘The professionals Guide to the Courses and seminars taken under the URAR, July 2005 direction of the Appraisal Institute and Gold National. USPAP Thr Update - Coast Schools . we February 2006 © ; . FHA and The New Residential ABI, ABI, ABIIB; May 2004 _ Appraisal; February 2006 « Thr USPAP Update: 2004 . FL State Law for Real Estate 3hrLaw Update: 7084. : Appraisers; 2006 Wintotal Hands-On Training; : . November 2605 Professional Accomplishments Established All-Pre Appraisers 2003 . * State Certilied Residential Appraiser » FHA Approved . ° + Associate Membership from the Anpraisal Institute * $1,000,000 Errars and Omissions policy. « Directly supervise four trainee appraisers. Federal Housing Administration * FHA Approved * License #FLRD 5107 Approved appraiser for * Landsafe (Countrywide) + Greenlink (Wachovia) » IndyMac Bank ° Ameriran Hore Martgage * RELS(WellsFargo) | * And numerous other lenders. Work History ; State Certified oe All-Pro Appraisers . : ~ 2003 ~ Current Residential : : Appraiser Miami, Florida ADMINISTRATIVE COMBLAI a ee oa 7 j Form SCNLGL — "WinTOTAL" appraisal sotware by ala mode, inc: — 1-RO0-ALAMODE ; PAGE __ |1p Resume Henry Cusido « 305-258-8326 « Henry @aliproappraisers.com Page 2of 2 Education: ; Bachelor of Science Barry University” ; “Miami, Florida References References are available upon ‘Yequest. stP: #1 {file No 92070201 ¢1 Page #17) Errors and Omission COVER NOTE. INSURED: Fenry Cusido/ Al Pro Appraisers Inc. MAILING ADDRESS: This is to certify that the undersigned has procured inturance coverage ax hereafter specified from certain companies and/or underwriters. . EFFECTIVE: 06742006 . TERM: 12 Months COVERAGE: Professional Liability for Specified Professions . Profession: Real Estate Appraiser Claims Made Form: MPL#26901 (9/87) Retroactive Date: 06/24/2005 . Limits: Per Occurrence: $1,000,000 Annual Aggregaie: $1,000,000 Deductible: $1,000 . , : eeeee CONDITIONS: “Real Estalé Agent/Broker Referral Indemnity Knowledge of Wrongful Act Exclusion Pending and/or Prior Litigation Exctusion Defense within Policy Limit © Deductible includes Loss Adjustment Expenses eeeee COMPANIES PARTICIPATING: National Union Fue Insurance Company of Pittsburgh, PA ASSIGNED COVER NOTE 6: Z FREA 05-6965 Issued at: 4907 ‘Morena Biva, Suite 1418 Sin Diego, CA 92117 [Rivage flank DATE: June 20,2006 — RY: on ; Insurance, whan effected shall ba mubject to all terms anst conditions of policy fiex) which will be issued, and in the event of any inconsistency herewith, the terms and provisions of the policy prewsit ADMINISTRATIVE COMPLAINT ee ; EXHIBIT 4 Form SCNLGL — "Win TOTAL” appraisat software by 2 la made, inc. — 1-800-Al: AMO! Meek EST — PAGE J or P20 (UZ UI Eat STATE OF FLORIDA DEPARTMENT OF BUSINESS AND PROFESSION: . FLORIDA REAL ESTATE APPRAISAL BATCH NUMBER LICENSE NBR The CERTIFIED REST Named below Is CERTIFIED Under the prov: Expiration dat. IAL APPRAISER ‘deions of Chapter 475 Fs, - ROV 30, 2008 CUSIDO, HENRY 12340 SW 132ND COURT MIAMI DISPLAY AS REQUIRED BY LAW Form SCNLGL — “WinTOYAL? appraisal software by a iz made, inc, — 1-800-ALAMODE Ex L_ REGULATION BD- SEQ#L0 609240573 SIMONE MARETILLER SECRETARY TWE GC ADMIN OMPLAINT. vai sur cuus ur .ar wou r.uueruus From:Keyes Realty 309 445 1408 LEE MALOFF REALTY, INC | 2 - (SALE COVER SHEET __] MLS # pe talent Sale GQ Residential Lease FORMS ( Please Check ) a Commercial Sale pf exeouted Sales Agreement *Required G Commercial Lease *No Brokerage Relationship Notice Q Business Opportunity + Agonoy Disclosure *Roquired Single -Transeotlon * Miami-Dede County Flood Hazard Rider * Required if in sla 30 For Renldentisl Saies Only : *Pro-1978 Lead Disclosure Statement Seller Dirolosure Statement Request to take Slgn Down *Required MLS profile info sheet Tax Roll Sheet Mold Addendum to Co Application of. Avsvolation «tt Applloabl) is/Lease ya ntract/Lease Date. *Closing/Lease Exp.Date_ “2/790 / gooo0o0 aa *Source of Listing (Please Cheo ISc COUNTY T SIZE IRREGULAR 5000. 00SQFT 00. 00SQF OR 18337-2421 1098 4 LOT TYPE => COC 25792-3072 04 2007 1 YEAR BUILDING LAND ASSESSMENT AS/FT YEAR TAXES D TX/FT 2008 151,650 40,000 391,650 240.27 08 9,230.42 N 5.66 COUNTY 'T VALUES HOMESTD SALE DATE AMOUNT AND TYPE YEAR BUILDING LAND TOTAL 0 APR. 2007 535,000 1 2008 151,650 240,000 391,650 SLC CLC ocT. 1998 o 4 CEN TR-BLK 72.000 |- 4 O01 01 JUN. 1995 100 4 UNITS 1BD 2BDS 3BbS EFF MILLAGE RT LP MLS-QTY MAR. 1973 29,000 1 26.238950 ¥ 1 SELLER(S)==> LARRY MORTGAGE COMPANY DATE MTG TYPE COUNTRYWIDE BK FSB 107,000 040307 CON FIXED ENTER=FWD F1=bDocs F4=TAX F5=LEGL F7=DIM F84MORE F6=COMPS MENU IRLO LIEN(S) PRESENT, PRESS AND TO VIEW M RATE NUMBER HC HC HC HC HC HC HC HC HC ee RealQuest.com ® - Report Page 1 of 7 Property Detail Report 2, For Property Located At RealQuest'com 3610 OAK AVE, MIAMI FL 33133-4908 Owner Information: Owner Name: MORERA AMELIA Mailing Address: 3610 OAK AVE, MIAMI FL 33433-4908 C018 : . t Phone Number: Vesting Codes: Swi) NN Location Information: : x Legal Description: FROW HOMESTEAD PB 8-106 LOT 2 BLK 15 LOT SIZE IRREGULAR OR 0 Ny 18337-2421 1098 4 COC 25792-3072 04 2007 1 ABRAHAM MCCLAIN &W N\ JACQUELINE JACQUELINE MCCLAIN OR 10629-1425 1079 4 LARRY E \o S \ JACKSON &W OR 16830-1599 0695 4 JACQUELINE M JACKSON OR 18337- Y ¥ 2420 LE REM JACQUELINE M JACKSON OR 18337-2420 1098 4 ew County: DADE, FL APN: 01-4121-007-2080 y od Census Tract / Block: 72.00/4 Altetnate APN: 01-81-21-007-2080 SY Township-Range-Sect: 54-41-21 Subdivision: FROW HOMESTEAD Legal Book/Page: B-106 Map Reference: 257/34 Legal Lot: 2 Tract #: Legal Biock: 15 School District: ~ . Market Area: a1 wig Munic/Township: MIAMI Neighbor Code; Owner Transfer Information: Recording/Sale Date: / Deed Type: Sale Price: ‘1st Mig Document #: Document #: Last Market Sale Information: Recording/Sale Date: 07/20/2007 / 04/02/2007 1st Mtg Amounl/Type: $428,000 / CONV Sale Price: $535,000 ist Mtg Int. Rate/Type: 7.88 / ADJ Saie Type: 1st Mig Document #: 25792-3075 Document #: 25792-9072 2nd Mig Amount/Type: $107,000 / CONV Deed Type: WARRANTY DEED — 2nd Mig Int. Rate/Type: i Transfer Document #: Price Per SqFt: $328.22 New Construction: Multi/Split Sale: Title Company: ATTORNEY ONLY Lender: COUNTRYWIDE BK FSB Seller Name: JACKSON LARRY E & JACQUELINE M Prior Sale Information: Prior Rec/Sale Date: 1093/1973 Prior Lender: Prior Sale Price: $29,000 Prior 1st Mtg Amt/Type: i Prior Doc Number: Prior ist Mtg Rate/Type: i Prior Deed Type: DEED (REG) : Property Characteristics: Gross Area: 1,630 Parking Type: Construction; GONCRETE Living Area: 1,630 Garage Area: Heat Type: "s 9 ” CONCRETE Tot Adj Area: 1,690 Garage Capacity: Exterior wall: BRICK COMPOSITION Above Grade: Parking Spaces: Porch Type: : Total Rooms: Basement Area: Patio Type: Bedrooms: a Finish Bsmnt Area: Pool: : Bath(F/H); 2/ Basement Type: Air Cond: * Year Built / Eft: 1972/ Root Type: Style: Fireplace: } Foundation: Quality: # of Stories: 1.00 Root Material: Condition: Other Improvements: Site information: * Zoning: Rt Acres: oat County Use: ERMRILY (01) Flood Zone: x Lot Area: 5,000 State Use: PRICY (ot) Flood Panel: 12065001901 Lot WidtlyDepth: x Site influence: Flood Panel Date: 03/02/1994 Res/Comm Units: 1/ Sewer Type: hilp:/Avww.realquest.com/jsp/report.jsp?&client=& action=confirm&ly po=getreport&recor... 2/10/2009 RealQuest.com ® - Report Page 3 of 7 Comparable Saies Report O For ea Located At P RealQuesticom 3610 OAK AVE, MIAMI FL 33133-4908 4 Comparabie(s) Selected . Report Date: 02/10/2009 Search Criteria: Maximum Number of Comparables on Report 30 © Sort Method Distance From Subject (ascending) * Distance From Subject (mites) 15 Months Range Between 01/2006 - 12/2008 : Living Area Difference (%) 30 * Land Use SFR Geographic Options Subdivision (FROW HOMESTEAD) Summary Statisties : Subject Low High Average ‘SalePrice §==S=S«Suscoo=«=«Sz0000 SCS 000—=~=««s12,600 Bidg/Living Area 1,630 1,235 1,990 1,616 Price/Sqit $328.22 $244.33 $425.10 $326.38 Year Built 1972 1958 2006 1975 Lot Area 5,000 5,000 5,000 5,000 » Bedrooms 3 3 3 3 Bathrooms/Restrooms 2 1 2 2 Storles 1.00 1.00 4.00 1.00 Total Value $391,650 $368,337 $445,950 $403,460 : Distance From Subject 0.00 0.17 0.27 0.22 *= user supplied for search only http:/Avww.realquest.com/jsp/report.jsp?&client=&action=contirm&ype=getreport&recor... 2/1,0/2009 Search Criteria Page: 1 Search Name: RE1 Simple Search Date: 10-Feb-2009 03:51:25 PM Search Criteria Field + Qperator Criteria Status Tquals A,cs Area Equals a County Equals DADE Municipal Code Equals 1 Township/Range Equals at Section Equals 2t Closing Dale Between 1/1/2006 - 12/1/2006 ‘SqFt Liv Area Between 1,400 - 1,800 Search Statis 3 Listings 9 Active-Available Listings Beds Baths ‘Sq Ft LP LPASq Ft ‘SP SP/Sq Ft ‘SP/LP bom High 4 a 1,622 $675,000 $445.04 Low 3 2 1,408 $117,999 $72.75 Average 3 2 1,507 $374,599 $249.33 Median 3 2 1,476 §349,000 $239.04 4 Closed Sale Listings Beds Baths ‘Sq Ft. LP LP/Sq Ft SP ‘SP/Sq Ft ‘SP/LP DOM High 3 3 1,642, $882,000 $582.56 $875,000 $977.94 99% Ws Low 2 2 1,514+ $499.000 $321.94 $475,000 $306.45 86% 40 Average 2 2 1,567 $657,500 $421.35 $622,500 $399.03 Dat ot Median 3 2 1,556 $624,500 $390.45 $570,000 $355.87 95% 76 13 Total Listings Beds Baths SqFt Lp LP/Sq Fr sP ‘SP/Sq Ft ‘SP/LP DOM High 4 3 1,642° $882,000 $582.56 $875,000 $577.94 99% 175 Low 2 2 1,408 $117,999 $72.75 $475,000 $306.45 86% 40 Average 3 2 1,525 $461.846 $302.26 $622,500 $399.03 94% a Median a 2 1514 $495,000 $310.90 $570,000 $355.87 98% 76 10-Feb-2009 EXMHIGGT = BK f— RealQuesl.com ® - Report Page lof 4 Comparable Sales Report RealQuest’com For Property Located Al 3610 OAK AVE, MIAMI FL 33133-4908 12 Comparable(s) Setected . Report Date: 02/10/2009 Search Criteria: Maximum Number of Comparables on Report 30 Sort Method Distance From Subject (ascending) © Distance From Subject (miles) 1.0 * Months Range Between 01/2006 - 12/2006 Year Built Between 1940-1985 Living Area Difference (%) 25 _ Lot Area Difference (%) 20 Pool NONE Land Use SFR Summary Statistics : Subject Low High Average Sale Price : $535,000 $810,000 7 $680,000 . $584,583 " Bldg/Living Area 4.630 1,235 4,990 1,529 Price/Sqft $328.22 $293.97 $474.86 $388.51 Year Built 1972 1948 1977 1960 Lot Area “6,000 4,106 68,000 5,134 Bedrooms 3 2 3 3 Balhrooms/Restrooms 2 1 2 : 2 Stories 1,00 1.00 1.00 4.00 _ Total Value $991,650 $242,455 $467,617 $409,892 Distance From Subject 9.00 0.17 0.89 0.64 *= user supplied for search only hitp://www.realquest.com/jsp/repurt. jsp?ty pe=getreport&client=&action=confirmé&record.... 2/10/2009 SQUARE FOOT APPRAISAL FORM For subscribers using the Residential Cost Handbook and /or Estimating Products Property Owner Date Address 3610 Oak Avene Surveyed By Henry Cusido City__ Miami Cost as of December, 2006 State/Province FL Zip/Postal Code__ 33233 Appraisal For Type Single-family Residence Quality 4-50 Good/Very Good Total Floor Area 1,629 Style One Story 100% Number of Units Exterior Walls Masonry, Concrete Block 100% Interior Wall Height_® Basement Depth Age _° Condition 4-50 Good/Very Good Region OWwestern Cicentrai Beastern 1, COMPUTE RESIDENCE BASIC COST =| YL" crocs aren x Soc eete, ‘Square Foot and Lump Sum Adjustments 1.000] 1,629 [ Factor | Quantity] Cost Extended Cost 2.Roofing Comp. Shingle or Built-up Rock 1, 629. 3,Energy: @miid CModerate extreme Cisuperinsulated 1,629 4, Foundation: itd OModerate Dextreme Hillside: EIFlat GModerate steep 1,629 5, Seismi Binone O1 O2 03 D4 Wind: BNo Ores: 6, Subfloor Slab on Grade 7, Floor Insulation: nats OMioderate extreme 8, Floor Cover Floor Cover Allowance 9, Plaster Interior 10_Heating/Cooling Warmed & Cooled Air 1,623 3,290 11, Plumbing Fixtures: Total 8 Base 49,113) 12, Plumbing Rough-ins: Total 1 Base 1 1 13_Dormers 14, Fireplaces 15. Built-in Appliances Appliance Allowance 5,863 16. SUBTOTAL: ADJUSTED RESIDENCE COST: Total of Lines 4 to 15. 17, Basement. 178,246 18, Porches, Decks, Breezeways, etc. 19, Balconies 20. Exterior Stairways 21. SUBTOTAL: RESIDENCE GOST: Total of Lines 18 and 20. 22, GaragesiCarports 178,246 23, SUBTOTAL OF ALL BUILDING IMPROVEMENTS: Total of Lines 21 and 22. 24, Multipliers: Curent Cost (.99) X Local (,97) X Other ( 1,629 95) 25, Additional Components 26. TOTAL BUILDING COST NEW: Line 23 x Line 24 + Line25. 27,Depreciation: Physical and Functional 28. External and/or Excessive Functional Obsolescence 29. Additional Depreciation 30, TOTAL DEPRECIATED COST; Line 26 - Lines 27 to 29. 1,629 99.5715 162,204 31, Yard improvements 32, Miscellaneous 33. Land/Site Value 34. TOTAL INDICATED VALUE: Total of Lines 30 to 33. | 1, 629] 283.73/§ 300,000 462,204 FORM 1007 Standard Report Estimate 12: 3610 Oak Avenue Property Owner: Address: 3610 Oak Avene Cily: Miami State/Province: Florida ZIP/Postal Code: 33133 Surveyed By: Henry Cusido Survey Date: Single-family Residence Floor Area: 1,629 Square Feet Effective Age: 0 Quali 4.5 Good/Very Good Cost as of: December, 2006 Condition; 4.8 GoadlVery Good Style: One Story Exterior Wall: Masonry, Concrete Block 100% Plumbing Fixtures: 8 Units Cost Total Base Cost 1,629 67.28 109,599 Plumbing Fixtures 8 1,842.75 14,742, Comp. Shingle or Built-up Rock 1,629 2.39 3,893 Slab on Grade 1,629 6.22 10.132 Floor Cover Allowance 1,629 6.51 10.605 Wamied & Cooled Air 1,629 4.50 7331 Phunbing Rough-ins 1 $52.83 553 Appliance Altowance 1 5,334.88 5,335 Basic Structure Total Cost _ 1.629 99.56 162.190. _Replacement Cost New __ 1.629 99.56 162,190 Total Depreciated Cost ~ ~ 162,590 Land 300,000 Non Building 300,000. Total $462,190 Cost data by Marshall & Switt/Boeckh, LIC and its licensors. Remarks Marshall & Swif/Boeckh, LLC and its licensors. Residential Estimator 7 - Standard Estimate: 0 Dale Printed: 21172009 Page buf | HC_HC_HC HC HC HC HC HC HC IR10-01 ADVANTAGE REAL ESTATE APP 021009 FOLIO NUMBER: 01-4121-007-3530 PAZIP BED BTH HB BUILT ADU SOFT $/SQFT AVR 3460 FLORIDA AVE 33133 3 1 0 1958 1,235 0.00 OWNER'S NAME AND ADDR W GV P FLR CONSTRUCT ZONING LV SOFT ARMANDO ALUART 1 CBS-POURED 01 - R-1 1,235 110 PONCE DE LEON LEGAL DESCRIPTION CORAL GABLES FL 33145 21°54 41 . FROW HOMESTEAD PB B-106 LOT SIZE ==> Isc COUNTY LoT 7 BLK 23 5000.00SOFT 5000.00SQF LOT SIZE 50.000 x 100 LOT TYPE => OR 16524-0690 0994 4 YEAR BUILDING ASSESSMENT AS/FT YEAR TAXES D TX/FT 2008 133,899 240, 373,899 302.75 08 8,828.62 N 7.14 COUNTY MAR: VALU\S HOMESTD SATE DATE AMOUNT AND TYPE YEAR BUILDING TOTAL Oo AUG. 2007 0 4 2008 133,899 373,899 SLC CLC SEP. 2006 525,000 1 CEN TR-BLK 71.000 Ol O1 SEP. 1994 100 4 UNITS 1BD 2BDS 3BRS ILLAGE RT LP MLS-QTY 1 26.238950 ¥ SELLER(S)==> JOSE OCHA I MORTGAGE COMPANY AMOUNT DATE MTG TYPE RATE NUMBER ENTER=FWD F1=bocs F4=TAX F5=LEGL F7=DIM F§=MORE F6=COMPS MENU IR10 LIFN(S) PRESENT, PRESS AND TO VIEW HC HC HC aC HC HC HC HC HC ADMINISTRATIVE COMPLAINT. EXHIBIT Fo HC _HC_HC HC HC HC HC AC HC IR10-01 ADVANTAGE REAL ESTATE APP 021009 FOLIO NUMBER: 01-4121-032-0110 PAZIP BED BTH H8 BUILT ADJ SQFT $/SQFT AVR 3155 FLORIDA AVE 33133 3) «1 0 1946 1,562 358.51 1.17 OWNER'S NAME AND ADDR W GV P FLR CONSTRUCT ZONING LV SQFT WILLIAM FURRY &W JAMIE P 1 CBS-POURED 01 - R+1 1,651 3155 FLORIDA AVE LEGAL DESCRIPTION MIAMI FL 33133-5112 CHAS H FROWS SUB PB 13-53 LOT 18 LESS S5SFT FOR St LOT SIZE ==> ISc COUNTY BLK 1 7100.00SQFT 7100.00SQF LOY STZB 50.000 X - 142 LOT TYPE => OR 18047-4315 0398 1 YEAR BUILDING LAND ASSESSMENT AS/F'T YEAR TAXES D TX/eT 2008 N/A 476,408 304.99 08 10,212.13 N 6.53 county MARKe ES HOMESTD SALE DATE AMOUNT AND TYPE YEAR BUILDING LAND TOTAL 25000 APR. 2006 560,000 1 2008 114,308 362,100 476,408 SLC CLC MAR. 2004 465,000 8 CEN TR-BLK 71.000\- 2 PHONE KON PUB 01 O01 JAN. 2004 0 4 UNTTS 18D 2B8DS 3HNG EFF YILLAGE RT LP MLS-OTY DEC. 2003 0 4 . 2 26.238950 N SELLER(S)==> JOLANTA WALLEY I MORTGAGE COMPANY AMOUNT DATE MTG TYPE RATE NUMBER WASHINGTON MUTUAL BK 157,700 022807 EQU ADJUS N/A ENTER=FWD F1=DOCS F4=TAX F5=LEGL F7=DIM F8=MORE F6=COMPS MENU TR1O RECENT DEED/MTG PRESENT - F1=VIEW HC RC HC HC HC Ac HC HC HC NISTRATIVE COMP LAINT. IMisd ¢ a he #2. _ a¢ HC HC HC HC HC HC*HC HC vee IR10-01 ADVANTAGE REAL ESTATE APP : . 02106 FOLIO NUMBER: 01-4121-001-0230 PAZIP BED BTH HB BUILT ADJ SQFT $/SQFT AVR 3020 OHIO ST 33133 3 2 0 1965 1,642 319.73 1.40 OWNER'S NAME AND ADDR WG VP FLR CONSTRUCT ZONING LV SQFT DIEGO D RODRIGUEZ 1 CBS-POURED 57 - R-2 1,570 PO BOX 330091 LEGAL DESCRIPTION MIAMI FL 33233 21 54 41 PALMHURST PB 7-22 LOT SIZE ==> ISC COUNTY LOT 27 6250.00SQFT . OOSQF LOT SIZE 50.000 X 125 LOT TYPE => OR 20470-2225 06/2002 4 YEAR BUILDING LAND ASSESSMENT AS/FT YEAR TAXES D TX/FT 2008 26,175 348,750 374,925 228.33 08 8,851.83 N 5.39 COUNTY ET. VALUES . HOMESTD SALE DATE AMOUNT AND TYPE YEAR BUILDING TOTAL 0 JUL. 2006 525,000 1. 2008 26,175 34 374,925 SLC CLC JUN. 2002 o.4 CEN TR-BLK 71,000 - 4 01 01 NOV. 2001 0 4 UNITS 1BD 2BDS 3BDS EFF MILLAGE RT LP MLS-QTY AUG. 1989 160 4 1 26.238950 Y¥ JUN. 1989 Oo 4 SELLER (S)==> OTTO MANN I - MORTGAGE COMPANY AMOUNT DATE - MTG TYPE RATE NUMBER FIRST EQUITY MTG BANKERS INC 108,000 072506 CON FIXED N/A ENTER=FWD F1=DOCS F4=TAX FS=LEGL F7=DIM FB=MORE F6é=COMPS MENU IR1O LIEN(S) PRESENT, PRESS AND TO VIEW HC HC HC HC HC HC HC HC HC | J ADM COMPLAINT. eaett an . BE HCHO HO HC HC HC HC HC aaOmeRaeae sit IR10-092 FIRST AMERICAN CORELOGIC, INC. DEED INFORMATION FOLIO NUMBER O1 - 4121 - 001 - 0230 ADDRESS 3020 OHIO ST RECORDING BOOK RECORDING PAGE RECORDING DATE DEED DATE DEED TYPE 24792 1449 080406 072106 WD BUYER INFORMATION HUSBAND'S FIRST MI LAST WIFES 1ST MI CORPORATE NAME . 1ST DIEGO M D LAST RODRIGUEZ 1st M LAST ist M LAST ist M LAST isT M LAST 1st M LAST SELLER INFORMATION 1. OTTO MANN 2. 3. 4. 5. 6. 7. 8. ALOYSIUS CHRISTIE SR &W SHIRLEY 3020 OHIO ST MIAMI FL 331334419 . 334419 DOC STAMPS 3,150.00 SALE AMOUNT 525,000 PREPARED BY REMARKS ATTORNEY ONLY ENTER/F9 = NEXT/RETURN F10 = HELP Fil = MAIN MENU F12 = SIGN OFF IRLO rs HC HC HC HC HC HC HC HC HC COMPLAINT uc HC HC HC HC HC HC HC'HC SOE toe Sab area RI10-022 FIRST AMERICAN CORELOGIC, INC. FOLIO NUMBER PROPERTY ADDRESS OL - 4121 - 001 - 0230 3020 OHIO ST RECORDING RECORDING RECORDING MORTGAGE RATE MORTGAGE DATE BOOK PAGE TYPE TYPE DATE 080406 24792 1451 CON FIX 072406 BORROWERS NAMES DIEGO D RODRIGUEZ LENDER LAWYER FIRST EQUITY MIG BANKERS INC ATTORNEY ONLY MORTGAGE AMOUNT MATURES TERM INT. RATE P-AND-I MORTGAGE LOAN NUMBER 417,000.00 080136 360 0.00000 0.00 REMARKS . F9 = RETURN TO SUBJECT ENTER TO CONTINUE F12(QUIT) TO EXIT SYSTEM TR10 TO CONTINUE OR TO RETURN I HC HC HC HC HC HC HC HC HC ADMINISTBATY = COMPLAINT YHIBIT ee C HC HC’HC HC HC'HC HC HC FIRST AMERICAN CORELOGIC, INC. RI10-022 FOLIO NUMBER PROPERTY ADDRESS 01 - 4121 - 001 - 0230 3020 OHIO ST RECORDING RECORDING RECORDING MORTGAGE RATE MORTGAGE DATE BOOK PAGE TYPE TYPE DATE 080406 24792 1467 : CON FIX 072506 BORROWERS NAMES DIEGO D RODRIGUEZ LENDER LAWYER FIRST EQUITY MTG BANKERS INC ATTORNEY ONLY MORTGAGE AMOUNT MATURES TERM INT. RATE B-AND-I MORTGAGE LOAN NUMBER 108,000.00 080136 360 0.00000 0.00 REMARKS F9 = RETURN TO SUBJECT ENTER TO CONTINUE F12(QUIT) TO EXIT SYSTEM IR1O TO CONTINUE OR TO RETURN HC HC HC HC HC HC HC HC HC if { poe RealQuest.com ® - Report Page 2 of 7 - Land Use: SFR Water Type: Tax Information: : Total Vaiue: $391,650 Assessed Year: 2008 Property Tax: $9,230.42 Land Value: $240,000 Improve %: 39% Tax Area: 100 Improvement Value: $151,650 Tax Year: 2008 Tax Exemption: Total Taxable Value: $391,650 http://www. realquest.com/jsp/report.jsp? &clien|=&action=confirm&lype=getreportérecor... 2/10/2009 RealQuest.com ® - Report Comp #: Address: Owner Name: : Seller Name: + APN: ; County: : Subdivision: : Rec Date: Sale Date: Sale Price: Sale Type: Document #: 1st Mtg Amt: > Total Value: , Land Use: > Comp #: Address: Owner Name: Seller Name: APN: County: Subdivision: Rec Date: : Sale Date: : Sale Price: * Sale Type: _ Document #: . ist Mtg Amt: - Total Value: Land Use: Comp #: Address: Owner Name: Seller Name: : Sale Date: : Sale Price: _ Sale Type: : Document #: dst Mtg Amt: Total Value: Land Use: Comp 4: Address: : Owner Name: ‘ Seller Name: : APN: ~ County: ” Subdivision: Rec Date: " Sale Date: Sale Price: Sale Type: > Document #: 2: Ist Mtg Amt: * Total Vaiue: . Land Use: 4 1 3460 FLORIDA AVE, MIAMI FL 33133-5065 MIAMI GREAT IDEA LLC MARSHALL RUTH 01-4121-007-3530 DADE, FL FROW HOMESTEAD 09/27/2006 09/15/2006 $525,000 24949-4232 $420,000 $373,899 SFR 2 Map Reference: Census Tract: Zoning: Prior Rec Date: Prior Sale Date: Prior Sale Price: Prior Sale Type: Acres: Lot Area: # of Stories; Park Area/Cap#: 3411 OAK AVE, MIAMI FL 33133-5022 PUENTES ANGEL * DCA TRUST LLC 01-4421-007-1314 DADE, FL FROW HOMESTEAD 01/18/2006 09/30/2005 $585,000 24154-994 $468,000 $445,950 SFR 3 Park Area/Cap#: Map Reference; Census Tract: Zoning: Prior Rec Date: Prior Sale Date: Prior Sale Price: Prior Sale Type: Acres: Lot Area; # of Stories: 3350 FLORIDA AVE, MIAMI FL 33133-5063 BROWN JAMES WADE WILLIE & MARY E 01-4121-007-3350 DADE, FL FROW HOMESTEAD 07/31/2006 VATS /2005 $520,000 24772-4673 $416,000 $368,337 SFR Map Reference: Gensus Tract. Zoning: Prior Rec Date: Prior Sale Date: Pricr Sale Price: Prior Sale Type: Acras: Lot Area: 4 of Stories: Park Area/Capit: 257 / 34C 71.00 R-4 09/27/1994 09/27/1994 257 / 34C 71.00 R-1 03/07/2005 07/30/2004 $440,000 257 /34C 71.00 Ra 3651 CHARLES AVE, COCONUT GROVE FL 33133-5703 KING WALTER J/MICHELLE BARTON H EXUMA PARTNERS LLC 01-4121-007-6025 DADE, FL FROW HOMESTEAD 07/19/2006 07/19/2006 $420,000 24735-2175 $336,000 $425,652 SFR Map Reference: Census Tract: Zoning: Prior Rec Date: Prior Sale Date: Prior Sale Price: Prior Sale Type: Acres: Lat Area: # of Stories: Park Area/Gap#: 257 /34C ‘72.00 R-1 02/12/2003 02/04/2003 $70,000 0.14 5,000 1.00 / Parking: Parking: Living Area: 1,235 Total Rooms: Bedrooms: 3 Bath(F/H): av Yr BuilvEff: 1958 / Air Cond. Style: Fireplace: / Poal: Raof Mat: Page 4 of 7 Distance From Subjec: 0.17 (miles) - Distance Fram Subject: 0.19 (miles) : Living Area: 1,990 Total Rooms: Bedrooms: 3 Bath(F/H): af Yr BuitvEff: 1977 / Air Cond: Style: Fireptace: / Pool: Floof Mat: Parking: Distance From Subject: 0.27 (miles) if Living Arca: 1,520 Tota! Rooms: Bedrooms: 3 4/4 5 1960 / Air Cond: Style: Fireplace: i Pook: Roof Mat: Distance From Subject: 0.27 (mifes) . Living Area: 1,719 Total Rooms: Bedrooms: 3 Bath(F/H): 2; Yr Buitvétt 2006 / Air Gond: Style: Fireplace: / Pool: Roof Mat: Parking: http://www realquest.com/jsp/report.jsp? &client=&action=confirm&lype=getreport&recor... 2/10/2009 RealQuest.com ® - Report Transaction History Report For Property Located At 3610 OAK AVE, MIAMI FL 33133-4908 - TRANSACTION HISTORY : History Record #: Sale: Sale Recording Date: Sale Date: Rec. Document #: Document Type: Title Company: Buyer: Seller: Finance: . Mtg Recording Date: ? Mtg Document #: : Document Type: , Lender: Loan Amount:. ' Borrower 1: : Borrower 2: - Borrower 3: Borrower 4: Finance: Mtg Recording Date: Mtg Document #: Document Type: Lender: : Loan Amou * Borrower 1: : Borrower 2: : Borrower 3: Borrower 4: History Record #: - Finance: : Mtg Recording Date: : Mtg Document #: Document Type: : Lender: : Loan Amount: Borrower 1: : Borrower 2: Borrower 3: : Borrower 4: . History Record 4: Finance: Mtg Recording Date: : Mtg Document #: * Document Type: : Lender: ~ Loan Amount: ' Borrower 1: Borrower 2: Borrower 3: - Borrower 4: History Record #: Finance: Mig Recording Date: » Mtg Document 4: * Document Type: Py 07/20/2007 04/02/2007 - 25792-3072 WARRANTY DEED ATTORNEY ONLY MORERA AMELIA Sale Price: Sale Price Type: Multi/Split Sale: Other Document #: JACKSON LARRY E & JACQUELINE M 07/20/2007 25792-3075 MORTGAGE COUNTRYWIDE BK FSB $428,000 MORERA AMELIA 07/20/2007 25792-3092 MORTGAGE COUNTRYWIDE BK FSB $107,000 MORERA AMELIA 2 66/07/2005 23447-263 MORTGAGE HSBC MTG CORP (USA) $214,000 MCCLAIN ABRAHAM W JR LEWIS ALEXIS T 3 05/26/2004 22338-2145 MORTGAGE OPTION ONE MTG CORP $175,000 MCCLAIN ABRAHAM W JR & ALEXIS JACKSON LARRY E 4 05/02/2000 19091-4669 MORTGAGE Mtg Loan Type: Mtg Rate Type: Mtg Term: Mtg Rate: Borrower Vesting: Mtg Loan Type: Mtg Rate Type: Mtg Term: Mtg Rate: Borrower Vesting: Mtg Loan Type: Mtg Rate Type: Mtg Term: Mtg Rate: Borrower Vesting: Mtg Loan Type: Mig Rate Type: Mtg Term: Mtg Rate: Borrower Vesting: Mtg Loan Type: Mtg Rate Type: Page 5 of 7 RealQuesticom $535,000 CONV ADJ 30 YEARS 7.875 sw// CONV 15 YEARS i CONV FIXED 30 YEARS HW // CONV FIXED 30 YEARS a hitp:/Avww.realquest.com/jsp/report.jsp? &client=&action=confirm&type=getreport&recor... 2/10/2009 RealQuest.com ® - Report * Lender: ‘ Loan Amount: : Borrower 1: Borrower 2: : Borrower 3: : Borrower 4: History Record #: Finance: Mtg Recording Date: Mtg Document #: * Document Type: . Lender: Loan Amount: - Borrower 1: Borrower 2: - Borrower 3: Borrower 4: History Record #: Sale: Sale Recording Date: Sale Date: Rec. Document #: ~ Document Type: Title Company: * Buyer: * Seller: : Finance: : Mtg Recording Date: » Mtg Document #: . Document Type: - Lender: : Loan Amount: Borrower 1: : Borrower 2: > Borrower 3: : Borrower 4: History Record #: : Sale: Sale Recording Date: Sale Date: - Rec. Document #: » Document Type: ~ Title Company: Buyer: Seller: History Record #: Sale: : Sale Recording Date: ’ Sale Date: ' Rec. Document #: * Document Type: ; Title Company: ; Buyer: : Seller: . Finance: ’ Mtg Recording Date: Mtg Document #: - Document Type: Lender: Loan Amount: : Borrower 1: Borrower 2: : Borrower 3: * Borrower 4: 7 DOLLAR MTG CORP $33,900 MCCLAIN ABRAHAM W JR 5 12/24/1998 18405-4503 MORTGAGE HOME FIN CNTR INC $93,000 MCCLAIN ABRAHAM W JR 11/08/1998 10/16/1998 18337-2421 QUIT CLAIM DEED MCLAIN ABRAHAM W JR JAKSON JACQUELINE M 11/08/1998 18337. 2422 MORTGAGE $93,000 MCLAIN ABRAHAM W JR JACKSON JACQUELINE M 11/08/1998 10/16/1998 18337-2420 QUIT CLAIM DEED JACKSON JACQUELINE M JACKSON LARRY E 06/28/1995 06/01/1995 16830-1599 QUIT CLAIM DEED Mtg Term: Mtg Rate: Borrower Vesting: Mtg Loan Type: Mtg Rate Type: Mtg Term: Mtg Rate: Borrower Vesting: Sale Price: Sale Price Type: Multi/Split Sale: Other Document #: Mtg Loan Type: Mtg Rate Type: Mtg Term: Mtg Rate: Borrower Vesting: Sale Price: Sale Price Type: Multi/Split Sale: Other Document #: Sale Price: Sale Price Type: Mullti/Split Sale: Other Document #: JACKSON LARRY E & JACQUELINE MCCLAIN JACQUELINE 06/28/1995 16830-1601 TRUSTEE DEED Mtg Loan Type: Mtg Rate Type: CHEMICAL RESID'L MTG CORP Mtg Term: $76,500 JACKSON LARRY E JACKSON JACQUELINE Mtg Rate: Borrower Vesting: Page 6 of 7 20 YEARS SM/A/ CONV 30 YEARS SM/A/ PRIVATE PARTY FIXED 30 YEARS. SI/A/ CONV FIXED 30 YEARS AW U htlp://www.realquest.com/jsp/report.jsp?&client=&action=confirm&(ype=getreport&recor... 2/10/2009 History Record #: ’ Finance: ~ Mtg Recording Date: Mtg Document #: . Document Type: » Lender: ; Loan Amount: - Borrower 1: : Borrower 2: Borrower 3: - Borrower 4: : History Record #: Sale: Sale Recarding Date: : Sale Date: - Rec. Document #: Docurnent Type: - Title Company: : Buyer. * Seller: RealQuest.com ® - Report 3 09/22/1987 MORTGAGE CITICORP SVGS/FL $46,893 10 03/1973 DEED (REG) Mig Loan Type: Mtg Rate Type: Mtg Term: Mig Rate: Borrower Vesting: Sale Price: Sale Price Type: Mutti/Split Sale: Other Document #4: JACKSON LARRY E & JACQUELINE M CONV tl $29,000 Page 7 of 7 f http://www.realquest.com/jsp/report.jsp? &ctient=&action=contirm&type=getreporté&recor.., 2/10/2009 : aa RealQuest.com ® - Report : Camp #: ” Address: : Owner Name: Seller Name: : APN: - County: Subdivision: : Ree Date: - Sale Date: : Sale Price: ” Sale Type: Document #: 1st Mtg Amt: Total Value: Land Use: Comp #: * Address: Owner Name: Seiler Name: : APN: » County: | Subdivision: * Rec Date: Sale Date: Sale Price: Sale Type: » Document #: 1st Mtg Amt: Total Value: . Land Use: * Camp #: Address: Owner Name: _ Seller Name: : APN; . County: * Subdivision; - Rec Date: Sale Date: . Sale Price: Sale Type: Document #: tst Mig Amt: : Total Value: Comp #: Address: Owner Name: Seller Name: _ APN: _ County: : Subdivision: | Rec Date: : Sale Date: : Sale Price: * Sale Type: Document #: 1st Mtg Amt: Total Value: Land Use: hitp://www.realquest.com/jsp/report.jsp?ty pe=getreport& client=éaclion=confirm&record... 1 3460 FLORIDA AVE, MIAMI FL 33133-5065 MIAMI GREAT IDEA LLC MARSHALL RUTH 01-4121 -007-3530 Map Reference: DADE, FL Census Tract: FROW HOMESTEAD Zoning: 09/27/2006 Prior Rec Date: 09/15/2006 Prior Sale Date: $525,000 Prior Sale Price: Prior Sale Type: 24949-4232 Acres: $420,000 Lot Area: $373,899 # of Stories: SFR Park Arca/Cap#: 2 3750 FROW AVE, MIAMI FL 33133-4836 TOKO PROPERTY HOLDINGS LLC SFR RIVIERA IRLENDA 01-4120-006-0500 Map Reference: DADE, FL Census Tract: MAC FARLANE A HOMESTEAD Zoning: - 07/03/2006 Prior Rec Date: 06/22/2006 Prior Sale Date: $510,000 Prior Sale Price! Prior Sale Type: 24686-2963 Acres: $408,000 Lot Area: $242,455 # of Stories: . Park Area/Capi#: 3411 OAK AVE, MIAMI FL 33133-5022 PUENTES ANGEL DCA TRUST LLC 01-4121-007-1341 Map Reference: DADE, FL Census Tract: FROW HOMESTEAD Zoning: 01/18/2006 Prior Rec Date: 09/30/2005 Prior Sale Dat. $885,000 Prior Sale Pi Prior Sale Type: 24154-994 Acres: $468,000 Lot Area: $445,950 # of Stories: SFR Park Area/Cap#: 4 3350 FLORIDA AVE, MIAMI FL. 33133-5063 BROWN JAMES, WADE WILLIE & MARY E 01-4121-007-3350 Map Reference: DADE, FL Census Tract: FROW HOMESTEAD Zoning: 07/31/2006 Prior Rec Date: 11/15/2005 Prior Sale Date: $520,000 Prior Sale Price: Prior Sale Type: 24772-4673 Acres: $416,000 Lot Area: $368,337 # of Stcries: SFR Park Area/Cap#: 257 / 34C 71.00 R-1 09/27/1994 09/27/1994 256 /34C 72.00 R-1 06/30/2005 06/24/2005 $305,000 0.14 5,000 1.00 ft 257 / 34C 71.00 R-1 93/07/2005 07/30/2004 $440,000 0.14 5,000 1.00 / 257 / 34C 71.00 R-1 Parking: Page 2 of 4 Distance From Subject: 0.17 (mites) Living Area: 1,235 Total Rooms: Bedrooms: 3 Bath(F/H): WV Yr BuilVEff: 1958 j Air Cond: Styia: Fireplace: i Pool: Roof Mat: Distance From Subject: 0.18 (mites) : Parkin: Parking: Living Area: = 1,470 Total Rooms: Bedroams: 3 Bath(F/H): Yy Yr Built/Cft: 1948 / Air Cond: Style: Fireplace: / Pool: Root Mat: Distance From Subject: 0.19 (miles) Living Area: = 1,990 Total Rooms: Bedrooms: 3 RathiF /H): 2/ Yr BuilvEtt: 1977 / Alr Cond: Stylo: Fireplace: f Pool: Roo! Mat Distance Frorn Subject: 0.27 (miles) - Living Area: 1,520 Total Rooms: Bedrooms: 3 Bath(F/H): t/1 Yr BuilvEtt: 1960 / Air Cond: Style: Fireplace: i Pool: Roof Mat: Parking: ATE compl pany 2/10/2009 RealQuest.com ® - Report Comp #: Address: Owner Name; Seller Name: APN: County: * Subdivision: ’ Rec Date: Sale Date: Sale Price: - Sale Type: Document #: ist Mtg Amt: Total Value Land Use: Comp #: Address: Owner Name: Seller Name: ’ APN: County: _ Subdivision: - Rec Date: _ Sale Date; , Sale Price: Sale Type: : Document #: 4st Mig Amt: ; Total Value: Land Use: Comp 4: * Address: » Owner Name: Seller Name: : APN: County: | Subdivision; : Rec Date: Sale Date: Sale Price: * Sale Type: , Document #: 1st Mig Amt: . Total Value: * Land Use: : Comp 4; . Address: ; Owner Name: Seiler Name: : APN: » County: Subdivision: Rec Date: Sale Date: : Sale Price: Sale Type: : Documant #: ist Mtg Amt: Total Value; Land Use: hitp:/Avww.rcalquest.com/jsp/report.jsp?ty pe=ge lreport&client=&aclion=conlirmérecord.., 5 225 FLUVIA AVE, CORAL GABLES FL 33134-7313 Page 3 of 4 Distance From Subject: 0.71 (miles) : RRM PROPERTIES LTD GUERRA HORACIO 03-4117-007-3590 Map Reference: 253 / 3aC DADE, FL . Census Tract: 74.00 COCONUT GROVE PTO. Zoning: R-5 01/06/2006 Prior Rec Date: 05/06/2005 14/21/2005 Prior Sale Date: 03/11/2005 $635,000 Prior Sale Price: $525,000 Prior Sale Type: 24119-4758 Acres: 0.12 $507,200 Lot Area: 5,199 $413,507 # of Stories: 1,00 SFR Park Area/Gap#: / 6 2910 SHIPPING AVE, MIAMI FL 33133-4514 ALMEIDA MARCOS & CLAUDIA PAREDES EDGAR 01-4121-080-0030 Map Reference: 257 / 340 DADE, FL Gensus [ract: 71.00 PROJECT GEMINI Zoning: R-2 03/23/2006 Prior Rec Date: 42/13/1996 02/24/2006 Prior Sale Date: 12/11/1996 $580,000 Prior Sale Price: $162,500 Prior Sale Type: FULL 24356-1339 Acres: 0.09 $464,000 Lot Area: 4106 $417,783 # of Stories: SFR 7 426 AMALFI AVE, CORAL GABLES FL 33146-2205 EGUSQUIZA AIDA HAMBURG BLANCHE S Park Area/Capa: 03-4120-023-2820 Map Reference: 256 / 34C DADE, FL Census Tract: 78.00 CPO GABLES RIVIERA Zoning: R4 07/26/2006 Prior Rec Date: 06/30/2006 Prior Sale Date: $510,000 Prior Sale Price; Prior Sale Type: 24756-3397 Acres: 0.11 $459,000 Lot Area: 5,000 $465,852 # of Stories: 1,00 Park Area/Cap#: Living Area: 1,530 Total Rooms: Bedrooms: 3 Bath(F/H): 2/ ‘Yr Built/EM; 1952 / Air Cand: Style: Fireplace: / Pool: Roof Mat: Parking: Living Area: Total Raoms: Bedrooms: Bath(F/H): Yr BuitvEtt: Air Cond: Style: Fireplace: Pool: Root Mat: Parking: Distance From Subje: Living Area: Total Rooms: Bedrooms: Bath(r/H): Yr BuitVEtt: Abr Cond: Style: Fireplace: Pool: Raof Mal: Distance From Subject: 0.76 (miles) : 81 (mites) : 1,544 2 2/ 1957 / 1959 t Parking: 328 ALESIO AVE, CORAL GABLES FL 33134-7304 ASENS! JACOBO T & GABRIELA A ROLLAND RODRIGUEZ DANILO A & MARIAIP Distance From Subject: 0.85 (miles) : 03-4117-007-3130 Map Reference: 253 / 34C DADE, FL Census Tract: 74.00 COCONUT GROVE PT 01 Zoning: R-5 05/25/2005 Prior Rec Date: 01/10/2005 05/11/2006 Prior Sale Date: 12/30/2004 $660,000 Prior Sale Price: $430,000 Prior Sale Type: 24568-1383 Acres: 0.17 $528,000 Lot Area: 5,000 $404,237 # of Stories: 1.00 SFR Park Area/Cap#: t Living Area: Total Rooms: Bedrooms: Bath(F/H): Yr BuilvEt, Air Cond: Style: Fireplace: Pool: Roof Mat: Parking: 1,408 3 2/ 1962 / 2/10/2009 RealQuest.com ® - Report Comp #: . Address: Owner Name: Seller Name: APN: - Counly: Subdivision: ” Rec Date: * Sale Date: Sale Price: . Sale Type: : Document #: ; Ist Mtg Amt: » Total Value: Land Use: , Comp #: * Address: * Owner Name: Selter Name: APN: : County : Subdivision: © Ree Date: : Sale Date: Sale Price: : Sale Type: : Document #: 1st Mig Amt: ” Total Value: “ Land Use: Comp #: Address: Owner Name: * Seller Name: | APN: : County: Subdivision: Rec Date: Sale Date: Sale Price: : Sale Type: , Document #: * tst Mig Amt: * Total Value: Land Use: Comp 4: : Address: ” Owner Name: Seller Name: APN: County: . Subdivision; * Ree Date: > Sale Date: Sale Price: Sale Type: Document #: 1st Mtg Amt: Total Value: - Land Use: http://www.rcalquest.com/jsp/report.jsp? ly pe=getreport&client=&action=confirm&record... 10 9 3704 S LE JEUNE RD, MIAMI FL 33134-7113 DEUTSCHE BNK NATL TRUST CO TRS LOPEZ DANIEL L 03-4117-004-2620 DADE, FL CORAL GABLES COUNTRY CLUB PT 06 12/07/2006 10/27/2006 $565,000 25166-2073 $452,000 $467,517 SFR Park Area/Cap#: Map Reference: Census Tract: Zoning: Priar Rec Date: Priar Sale Date: Prior Sale Price: Prior Sale Type: Acres: Lot Area: # of Stories: 253 / 34C 74.00 R-6 02/23/2000 02/17/2000 $165,600 0.14 6,000 1.00 i 4171 PAMONA AVE, MIAMI FL 33133-6326 GREEN GILBERT JAMES CARRILLO CARMEN P 01-4129-010-1190 DADE, FL UTOPIA 05/12/2006 05/08/2006 $599,000 24518-2953 $479,200 $462,230 SFR 1 Map Reference: Census Iract: Zoning: Prior Rec Date: © Prior Sale Date: Prior Sale Price: Prior Sale Typo: Acres: Lot Area: # of Stories: Park Area/Capit: 260 / 34C 73.00 R-1 42A6N997 12/15/1997 $160,000 FULL 0.13 5,600 1.00 236 ROMANO AVE, CORAL GABLES FL 33134-7244 GARCIA MANUEL BAEZ FRANKLIN R 03-4117-007-0531 DADE, FL COCONUT GROVE PT 01 t4/1S/2006 10/31/2006 $686,000 25100-1701 $502,500 $423,621 SFR 12 Map Reference: Census Tract: Zoning: Prior Rec Date: Prior Sale Date: Prior Sale Price: Prior Sale Type: Acres: Lot Area: # of Stories: Park Area/Cap#: 253 / 34C 74.00 R-5 08/22/2006 97/25/2006 $525,000 221 ROMANO AVE, CORAL GABLES FL 33134-7243 STRUDWICK WAYNE BECHTOLD EDWARD & JILL 03-4117-007-0110 DADE, FL COCONUT GROVE PT 01 09/15/2006 08/30/2006 $646,000 24912-3061 $516,800 $432,396 SFR Map Reference: Census Tract: Zoning: Prior Rec Date: Prior Sale Date: Prior Sate Price: Prior Sale Type: Acres: Lot Area: # of Stories: Park Area/Cap#: 253 / 340 74.00 R-S 10/13/2005 40/05/2005 $634,000 0.13 5,500 1.00 / Parking: Page 4 of 4 Distance From Subject: 0,87 (miles) i Living Area: 1,819 Total Rooms: Bedrooms: 2 Bath(F/H): 2/ Yr Built/Eft. 1956 / 1959 Air Cond: Style: Fireplace: i Pool: Roof Mat: Distance Fram Subject: 0.9 (miles) : Living Area: 1,394 Total Rooms: Bedrooms: 2 Bath(F/H): V/ Yr BuilVEft: Air Cand: Style: Fireplace: / Poot: Roof Mat: Parking: Distance From Subject: 0.98 (miles) - Living Area: 1,432 Total Rooms: Bedrooms: 3 Bath(F/H): 2/ Yr BuilvEff: 1874} Air Cond: Style: Fireplace: t Pook: Roof Mat: Parking: Distance From Subject: 0.99 (miles) Living Area: 1,373 Total Rooms: Bedrooms: 2 Bath(F/H): 2/ Yr BuilvEff: 1954 / 1974 Air Cond: Style: Fireplace: / Pook: Root Mat: Parking: ADMINISTRATIVE COMPLAINT; ¥2 ; eace 2 OF + 2/10/2009 . aC HC’HC'HC HC HC AC HC HC ee ree IR10-01 ADVANTAGE REAL ESTATE APP FOLIO NUMBER: 01-4121-007-3530 3460 FLORIDA AVE OWNER'S NAME AND ADDR ARMANDO ALUART 110 PONCE DE LEON 33133 K 021009 PAZIP BED BTH HB BUILT ADJ SQFT $/SQFT AVR 1 0 1958 1,235 0.00 WGVP FLR CONSTRUCT ZONING LV SQFT 1 CBS-POURED 01 - R-1 1,235 LEGAL DESCRIPTION CORAL GABLES FL 33145 21 54 41 ; FROW HOMESTEAD PB B-106 LOT SIZE ==> ISC COUNTY LOT 7 BLK 23 5000. 00SQFT 5000.00SQF LOT SIZE 50.000 X. 100 LOT TYPE => OR 16524-0690 0994 4 YEAR BUILDING LAND’ ASSESSMENT AS/FT YEAR TAXES D TX/FT 2008 133,899 240,000 373,899 302.75 08 8,828.62 WN 7.14 COUNTY MARKET VALUES HOMESTD SALE DATE AMOUNT AND TYPE YEAR BUILDING LAND TOTAL 0 AUG. 2007 Oo 4 2008 133,899 240,000 373,899 SLC CLC SEP. 2006 525,000 1 CEN TR-BLK 71.000 - 5 01 O1 SEP. 1994 100 4 UNITS 1BD 2BDS 3BDS EFF MILLAGE RT LP MLS-QTY 1 26.238950 ¥ SELLER(S)==> JOSE AROCHA I ; MORTGAGE COMPANY AMOUNT DATE MIG TYPE RATE NUMBER ENTER=FWD F1=DOCS TRiO HC HC HC HC HC HC HC HC HC F4=TAX F5=LEGL F7=DIM F8=MORE LIEN(S) PRESENT, PRESS AND TO VIEW F6=COMPS MENU > ATIVE COMFLA as HC RCTHC HC HC HC BC HC RI10-022 FIRST AMERICAN CORELOGIC, INC. : FOLTZO NUMBER PROPERTY ADDRESS Ol - 4121 - O07 - 3530 3460 FLORIDA AVE RECORDING RECORDING RECORDING MORTGAGE RATE MORTGAGE DATE BOOK PAGE TYPE TYPE DATE 092706 24949 4234 : CON ARM 091506 BORROWERS NAMES JOSE AROCHA LENDER LAWYER WMC MTG CORP ATTORNEY ONLY MORTGAGE AMOUNT MATURES TERM INT. RATE P-AND-I MORTGAGE LOAN NUMBER 420,000.00 100136 360 #£8.77500 0.00 REMARKS F9 = RETURN TO SUBJECT ENTER TO CONTINUE F1i2 (QUIT) TO EXIT SYSTEM IR1O TO CONTINUE OR TO RETURN Isc HC HC HC HC HC HC HC HC HC _ fie HC HC" HC HC HC HC’ HC HC a ec are mye RI10-022 FIRST AMERICAN CORELOGIC, INC. FOLIO NUMBER PROPERTY ADDRESS Ol - 4121 - 007 - 3530 3460 FLORIDA AVE RECORDING RECORDING RECORDING MORTGAGE RATE MORTGAGE DATE BOOK — PAGE TYPE TYPE DATE 092706 24949 4386 CON FIX 091606 BORROWERS NAMES JOSE AROCHA LENDER LAWYER WMC MTG CORP ATTORNEY ONLY MORTGAGE AMOUNT MATURES TERM INT. RATE P-AND-TI MORTGAGE LOAN NUMBER 105,000.00 100136 360 0.00000 0.00 REMARKS F9 = RETURN TO SUBJECT ENTER TO CONTINUE F12 (QUIT) TO EXIT SYSTEM IR10 TO CONTINUE OR TO RETURN Isc HC HC HC HC HC HC HC He HC uc HC HC HC HC HC HC HC HC moe IR10-092 FIRST AMERICAN CORELOGIC, INC. DEED INFORMATION FOLIO NUMBER OL - 4121 - 007 - 3530 ADDRESS 3460 FLORIDA AVE RECORDING BOOK RECORDING PAGE RECORDING DATE DEED DATE DEED TYPE 24949 4232> 092706 091506 wD BUYER INFORMATION HUSBAND'S FIRST MI LAST WIFES 1ST MI CORPORATE NAME 1ST JOSE M LAST AROCHA 1ST M LAST ist M LAST : ist M LAST 1st M LAST . ist M LAST SELLER INFORMATION 1. RUTH MARSHALL 2. 3. 4. 5. 6. 7. 8. 110 PONCE DE LEON BLVD MIAMI FL 33135 DOC STAMPS 3,150.00 . SALE AMOUNT 525,000 PREPARED BY REMARKS ATTORNEY ONLY ENTER/F9 = NEXT/RETURN F10 = HELP F1l = MAIN MENU F12 = SIGN OFF IR1O HC HC HC HC HC HC HC HC HC Isc Ho HCUHC HC HC HC HC HC HC’ ce tt wie ia Th IR10-01 ADVANTAGE REAL ESTATE APP 021009 FOLIO NUMBER: 01~-4121-032-0110 PAZIP BED BTH HB BUILT ADJ SQFT $/SQFT AVR 3155 FLORIDA AVE 33133 3 2 0 1946 1,562 358.51 1.17 OWNER'S NAME AND ADDR WGV P FLR CONSTRUCT ZONING LV SQFT WILLIAM FURRY &W JAMIE P 1 CBS-POURED 01 - R-1 1,651 3155 FLORIDA AVE LEGAL DESCRIPTION MIAMI FL 33133-5112 CHAS H FROWS SUB PB 13-53 LOT 18 LESS SSFT FOR ST LOT SIZE ==> ISC COUNTY : BLK 1 7100.00SQFT 7100.00SQF LOT SIZE 50.000 X 142 LOT TYPE => : OR 18047-4315 0398 1 YEAR BUILDING LAND ASSESSMENT AS/FT YEAR TAXES D TX/FT 2008 N/A N/A 476,408 304.99 08 10,212.13 N 6.53 COUNTY MARKET VALUES HOMESTD SALE DATE AMOUNT AND TYPE YEAR BUILDING LAND _ TOTAL 25000 APR. 2006 560,000 1 2008 114,308 362,100 476,408 SLC CLC MAR. 2004 465,000 8 CEN TR-BLK 71.000 - 2 PHONE NON PUB o1 O01 JAN. 2004 0 4 UNITS IBD 2BDS 3BDS EFF MILLAGE RT LP MLS-QTY DEC. 2003 Oo 4 ee 26.238950 N SELLER(S)==> JOLANTA MALLEY . I MORTGAGE COMPANY AMOUNT DATE MTG TYPE RATE NUMBER WASHINGTON MUTUAL BK 157,700 022807 EQU ADJUS N/A ENTER=FWD F1=DOCS ’ F4sTAX FS=LEGL F7=DIM F8=MORE F6=COMPS MENU IR10 RECENT DEED/MTG PRESENT - F1=VIEW HC HC HC HC HC HC HC HC HC JHC. AC HC -HC' HC’ HC HC HC HC ce Cay wap an IR10-092 FIRST AMERICAN CORELOGIC, INC. DEED INFORMATION FOLIO NUMBER O01 - 4121 - 032 - 0110 ADDRESS 3155 FLORIDA AVE RECORDING BOOK RECORDING PAGE RECORDING DATE DEED DATE DEED TYPE 24450 ; 2897 042106 040406 SW BUYER INFORMATION HUSBAND'S FIRST WILLIAM MI LAST FURRY WIFES 18ST JAMIE MI CORPORATE NAME 1st M LAST ist M LAST 1st M LAST ist M LAST 1ST M LAST - 1sT M LAST SELLER INFORMATION 1. JOLANTA MALLEY 2. 3. 4. 5 6. 7 8. 2825 DOROMUS CT COLORADO SPRINGS CO 80920 boc: STAMPS 3,360.00 SALE AMOUNT . 560,000 PREPARED BY REMARKS CHAMPION TITLE AGENCY ENTER/FS = NEXT/RETURN F10 = HELP Fil = MAIN MENU F12 = SIGN OFF IR1O Isc HC HC HC HC HC HC HC HO HC ADMINISTRATIVE COMPLAINT EXHIBIT #2 = eage 2) OF at HC HC HC HC HC HC HC HC ” cee tt tet : viet RI10-022 FIRST AMERICAN CORELOGIC, INC. “ FOLIO NUMBER. PROPERTY ADDRESS ol - 4121 - 032 - o110 3155 FLORIDA AVE RECORDING RECORDING RECORDING MORTGAGE RATE MORTGAGE DATE BOOK PAGE TYPE TYPE DATE 042106 24450 2899 CON ARM 040406 BORROWERS NAMES WILLIAM FURRY JAMIE FURRY LENDER LAWYER SURECREDIT USA HM LNS INC CHAMPION TITLE AGENCY MORTGAGE AMOUNT MATURES TERM INT. RATE P-AND-I MORTGAGE LOAN NUMBER 448,000.00 050146 480 1.25000 0.00 REMARKS : F9 = RETURN TO SUBJECT ENTER TO CONTINUE F12 (QUIT) TO EXIT SYSTEM IRLO TO CONTINUE OR TO RETURN ; Isc HC HC HC HC HC HC HC HC HC PATIVE COMPLAINT Put aay ,uC HC HC HC HC HC ‘HC HC HC : aa RI10-022 FIRST AMERICAN CORELOGIC, INC. : FOLIO NUMBER PROPERTY ADDRESS O1-- 4121 - 032 ~- 0110 3155 FLORIDA AVE RECORDING RECORDING RECORDING MORTGAGE RATE MORTGAGE DATE BOOK PAGE TYPE TYPE DATE 042106 24450 2922 CON FIX 040506 BORROWERS NAMES WILLIAM FURRY JAMIE FURRY LENDER LAWYER SURECREDIT USA HM LNS INC CHAMPION TITLE AGENCY MORTGAGE AMOUNT MATURES TERM INT. RATE P-AND-I MORTGAGE LOAN NUMBER 56,000.00 ooooco 00a ‘0.00000 0.00 REMARKS F9 = RETURN TO SUBJECT ENTER TO CONTINUE F12 (QUIT) TO EXIT SYSTEM . TR1LO TO CONTINUB OR TO RETURN Isc HC HC HC HC HC HC HC HC HC de HC HC HC HC HC HC HC HC RI10-022 FIRST AMERICAN CORELOGIC, INC. : FOLIO NUMBER PROPERTY ADDRESS Ol - 4121 - 032 - 0110 3155 FLORIDA AVE RECORDING RECORDING RECORDING MORTGAGE RATE MORTGAGE DATE BOOK PAGE TYPE TYPE DATE 122106 25214 1924 CON ARM 113006 BORROWERS NAMES WILLIAM FURRY JAMIE FURRY LENDER LAWYER SURECREDIT USA HM LNS INC CHAMPION TITLE AGENCY MORTGAGE AMOUNT MATURES TERM INT. RATE P-AND-I MORTGAGE LOAN NUMBER 526,200.00 010137 360 6.12500. 0.00 REMARKS F39 = RETURN TO SUBJECT ENTER TO CONTINUE F12(QUIT) TO EXIT SYSTEM IR1LO TO CONTINUE OR TO RETURN Isc HC HC HC HC HC HC HC HC HC PAIIVENES Te pe hae FROM: Henry Cusicdo AILPro Appraisers 12340 Southwest'132nd Court www.allproappraisers.cam - Miami, FL 33186" . Telephone Number: 305-256-8326 INVOICE . 0207020LC. Fax Number: 786-573-3499 TO: thiernalOrder#: 29702010 Lender Case 4: Client File # _| Main File 4 on farm: a207020L.C Other Fie #’ on farm: : Federal Tax 10; 32008-7745 Employer 1; Deca Mortgage Group int 6175 Nw 183 Street, Suite 223 Miami Lakes, FL 33044 Telephone Number: {305) 823-8087 Fax Number: Altemate Number: ; E-Mail: mriece22 @aal.com Lender: Deco Morigage Group int Purchaser/Borrower: AMELIA CRISTINA MORERA Property Address: 3610 Oak Ave . City: Mami : . County: MIAMI-DADE =“ : State: FL Legal Description: FROW HOMESTEAD PB B-106 LOT 2 BLK 15 . Client: Deco Mortgage Group int APPRAISAL SERVICE. ~| ~CHANGE-OF LENDER’ ~ SUBTOTAL PAYMENTS’ - Description: puz UPON RECEIPT Description: Check #: ” Date: ** Description: _.... SUBTOTAL Form NIVS — “WintOTAL* appraisal software by ala mode, ine. ~ 1-800-ALAMODE AbPm Appraisers Ko 00 Page Comparable Photo Page Bortowe/Cien! MORERA, AMELIA CRISTINA ly Address 3610 OAK AVENUE : MIAMI County DADE State_FL Zip Code_33133 Lender JP MORGAN CHASE BANK, NA : Comparable 1 1700 NE 191 STREET, # 326 Prox. to Subject 0.01 miles E Sale Price Gross Living Area Total Rooms ., Comparable 2 1540 NE 191 STREET, 4 326 Prox. to Subject 0.12 miles W Sale Price . Gross Living Area Tata! Rooms" Tora) Bedrooms Total Bathrooms Location View Site Quality Age Comparable 3 1680 NE 191 STREET, # 403-2 Prox. tw Subject ‘0.01 mites SW ” Sale Price. Gross Living Area Total Rooras Total Bedreoms ‘Total Bathrooms Location View °°" Site Quatty Age Crmninrnd acter co Comparable Photo Page Borrows:/Clent_MORERA, AMELIA CRISTINA Property Address 3610 OAK AVENUE City MIAMI County DADE: Site FL Lender JP MORGAN CHASE BANK, NA Prex, to Subject Sale Price Gross Living Arca Total Rooms Total Bedrooms Total Bathrooms Location View Site Quality Age Prox. to Subject Sale Prive Gross Living Area Total Rooms Total Bedrooms - Total Bathrooms Location View Site. Quatity ~ Age Prox, to Subject Sale Price Gross Living Area Total Rooms Total Bedrooms Total Bathtooms Location View” Site Quality Age Form PIGPIX.CR — “WinTOTAL* appraisal software by 313 mode, inc. — 1-BUQ-ALAMODE F Zip Code_33133 Comparable 4. 3811 CHARLES AVENUE 0,29 miles S$ 365,000 4,174 5 2 2 OSBLKE OOUGLAS RESIDENTIAL 2,500 SQ.FT. AVERAGE 4 YEARS \ Comparable 5 3411 CHARLES AVENUE 0.38 miles SE 350,000 4,300 - 6 4 2. 2.8 BLK E DOUGLAS RESIDENTIAL 6,750 SQ.FT. AVERAGE 35 YEARS Comparable & 3422 FLORIDA AVENUE 0.21 miles SE 345,000 1,228 “6 3 2 28 BLK E DOUGLAS “RESIDENTIAL” " 5,000 SQ.FT. AVERAGE 36 YEARS \ Location Map Bortower/Chent MORERA, AMELIA CRISTINA Propery Address 9610 OAK AVENUE Ci MIAMI County DADE State FL Up Code_ 33733 Lender JP MORGAN CHASE BANK, NA ars sn wh Sie 16th Herrce sr a7 +7 gw 17m terece onen aMen ly STM I Say remay BAMA Foner Li wer ot Wm Patter Keropataticg 2 3155 FORMS avert. crt RB Connarabiea4 Sur) Cram LES RTT: ‘O74 mes Farm MAP.LOC — “WinTOTAL“ appraisal software by gla made, inc. — 1-800-AL AMODE. mon re

Docket for Case No: 10-000379PL

Issue Date	Proceedings
Apr. 09, 2010	Transmittal letter from Claudia Llado forwarding Petitioner's Exhibits numbered 1-9, to the agency.
Apr. 08, 2010	Order Relinquishing Jurisdiction and Closing File. CASE CLOSED.
Apr. 07, 2010	Petitioner's Notice of Filing Additional Exhibit 9 (exhibits not available for viewing) .
Apr. 05, 2010	Petitioner's Notice of Filing Petitioner's Exhibits (exhibits not available for viewing) .
Apr. 01, 2010	Petitioner's Notice of Filing Petitioner's Exhibits (exhibits not attached) .
Mar. 11, 2010	Order Granting Request to Take Official Recognition.
Feb. 26, 2010	Petitioner's Witness List filed.
Feb. 26, 2010	Notice of Official Recogniton (With Exhbiits) filed.
Feb. 04, 2010	Order of Pre-hearing Instructions.
Feb. 04, 2010	Notice of Hearing by Video Teleconference (hearing set for April 8, 2010; 9:00 a.m.; Miami and Tallahassee, FL).
Feb. 02, 2010	Unilateral Response to Initial Order filed.
Jan. 26, 2010	Initial Order.
Jan. 26, 2010	Administrative Complaint filed.
Jan. 26, 2010	Election of Rights filed.
Jan. 26, 2010	Agency referral filed.