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Home My WebLink About20200310_Application. Dn'2 1:_0-· oif1. S~3,-. 0 ?/'p IZ[:J?D Commumty Development Department T n o.1. or rm-NE,1vPoin BEACH 100 Civic Center Drive Planning Permit Application Newport Beach, California 92660 949 644-3200 1. Check Permits Requested: D Approval-in-Concept -AIC # D Lot Merger D Coastal Development Permit D Limited Term Permit - D Waiver for De Minimis Development D Seasonal D < 90 day 0>90 days D Coastal Residential Development D Modification Permit D Condominium Conversion D Off-Site Parking Agreement D Comprehensive Sign Program D Planned Community Development Plan D Development Agreement D Planned Development Permit D Development Plan D Site Development Review -D Major D Minor D Lot Line Adjustment ~ Parcel Map 2. Pro·ect Address es)/Assessor's Parcel Nos 2400 Santiago, Newport Beach/ APN 426-101-07 newportbeachca.gov/communitydevelopment D Staff Approval D Tract Map D Traffic Study D Use Permit -□Minor □Conditional D Amendment to existing Use Permit D Variance ~ Amendment -□Code □PC l!]GP □LCP D Other: 3. Project Description and Justification (Attach additional sheets if necessary): See attached justification letter 4. Applicant/Company Name !Ashley Shvetz I Maili,:,.:r131g!.!A:::.:d:.:d:.:r:..:e~s~s..:J2::4=0=0=8=an=t=ia=go::: .. ·=·=····=· =· ======::;,----;:::====:........!S~u~ite/U nit ;:I =====:::/ Cit !Newport Beach State jcA j Zi 192660 I y . . . . . .. . . . .. . . . . . ~~====::::::::....--=: . .c.P..::: .. =· .::: ... ==::::::=::; Phone 1(253) 335~5947 Fax ,....J -~-----'' Email'-----~----------' S. Contact/Com pan~ Name lshawna L. Schaffner, CAA Planning, Inc. I Mailing Address 0°900 Rancho Viejo Road Suite/Unit ';:12=85======ij City lsanJuanCapistrano State f A . . . . . . j . Zip 192675 .-.. -1 Phone il(949) 581-2888 . · 1 Fax 1(949) 581-3599 I Email lsschaffner@caaplanning.com . . I 0 N !!Ashley Shv.e. tz. I 6. wner ame ~·-;::· ·=·=· ·::::·===================:::::;-----,=====~- Mailing Address 12400 Santiago Suite/Unit ';:I =· =· =· =· ===::::) City jNewportBeach ....... State ~jc~A---;:======:::.I_.,.::Z::i.cP..::I9::2:::::6=60====;;:;;] Phone:1(253)335-5947 .. j Fax_j ______ j Email_i -------------- 7. Property Owner's Affidavit*: (I) (We)----~---------~-------- depose and say that (I am) (we are) the owner(s) of the property (ies) involved in this application. (I) (We) further certify, under penalty of perjury, that the foregoing statements and answers herein contained and the information herewith submitted are in all respect ue and correct to the best of (my) (our) knowledge and belief. Signature(s): ___ ....,..__..;.,.....,.,.._., _________ Title:, Owner Date: DD/MO/YEAR Signature(s): _..:;."---~-&---------Title: ilowner I Date: I t /.¥/;uJ *May be signed by the lessee or by an authorized agent if written authorization from the owner of record is filed concurrently with the application. Please note, the owner(s)' signature for Parcel/Tract Map and Lot Line Adjustment Application must be notarized. PA2020-041 ACKNOWLEDGMENT A notary public or other officer completing this certificate verifies only the identity of the individual who signed the document to which this certificate is attached, and not the truthfulness, accuracy, or validity of that document. State of California _ County of ~" } ss. On (-,.,-)o:HJ , ~ before me,J?!?t~ 6--0(!,H_O , Notary Public, personally appearedA • fHl/$72. ~~OC,Nr//?fZ. who proved to me on the basis of satisfactfyevidence to be the person(s) whose name(s) is/are subscribed to the within instrument and acknowledged to me that he/she/they executed the same in his/her/their authorized capacity(ies), and that by his/her/their signatures(s) on the instrument the person(s), or the entity upon behalf of which the person(s) acted, executed the instrument. I certify under PENAL TY OF PERJURY under the laws of the State of California that the foregoing paragraph is true and correct. WITNESS my hand and official seal. --:::a--:~-------. .... Signature ACKNOWLEDGMENT A notary public or other officer completing this certificate verifies only the identity of the individual who signed the document to which this certificate is attached, and not the truthfulness, accuracy, or validity of that document. State of California County of _________ ~ ss. On ___________ , 20 __ before me, Notary Public, personally appeared _____________________ , proved to me on the basis of satisfactory evidence to be the person(s) whose name(s) is/are subscribed to the within instrument and acknowledged to me that he/she/they executed the same in his/her/their authorized capacity(ies), and that by his/her/their signatures(s) on the instrument the person(s), or the entity upon behalf of which the person(s) acted, executed the instrument. I certify under PENALTY OF PERJURY under the laws of the State of California that the foregoing paragraph is true and correct. WITNESS my hand and official seal. Signature (seal) PA2020-041 I:\Users\CDD\Shared\Admin\Planning_Division\Current_Templates\Office Use Only Form Updated 01/27/2020 2700-5000 Acct. Deposit Acct. No. ________________________ For Deposit Account: Fee Pd: _______________________________________ Receipt No: ____________________________ FOR OFFICE USE ONLY Date Filed: _______________________ APN No: __________________________ Council District No.: _________________ General Plan Designation: ____________ Zoning District: _____________________ Coastal Zone: Yes No Check #: __________ Visa MC Amex # ____________ CDM Residents Association and Chamber Community Association(s): _______________________ Development No: __________________________ _____________________________________________ Project No: ________________________________ _____________________________________________ Activity No: _______________________________ Related Permits: ___________________________ Remarks: ________________________________________________________________________________________ PA2020-041 January 8, 2019 Mr. James Campbell Deputy Director Community Development City of Newport Beach 100 Civic Center Drive Newport Beach, CA 92658-8915 Subject: Letter of Authorization, 2400 Santiago Drive General Plan Amendment Dear Mr. Campbell: Please be advised that CAA Planning, Inc. is authorized to represent me in securing approval of a General Plan Amendment and Parcel Map for my property at 2400 Santiago Drive. CAA is authorized to execute, take delivery, request and take necessary action on my behalf pertinent to obtaining approval of said General Plan Amendment and Parcel Map from the City of Newport Beach. Sincerely, Ashley Shvetz Property Owner cc: Shawna Schaffner PA2020-041 30900 Rancho Viejo Road, Suite 285 • San Juan Capistrano, CA 92675 • (949) 581-2888 • Fax (949) 581-3599 March 9, 2020 City of Newport Beach Mr. James Campbell Community Development Division 100 Civic Center Drive Newport Beach, CA 92660 Subject: Tentative Parcel Map and General Plan Amendment Application 2400 Santiago Drive Dear Mr. Campbell: CAA Planning, Inc. (CAA) is pleased to submit this application on behalf of Ashley and Brendon Shvetz, for a Tentative Parcel Map pursuant to Title 19 of the Municipal Code to subdivide the property into two parcels. The project also includes a request to amend the City’s General Plan to allow for an increase in one dwelling unit, pursuant to General Plan Policy LU 4.2. Project Description The Applicants own the property located at 2400 Santiago Drive, which is currently developed with a single residential structure with an attached garage and two small accessory structures, hardscape improvements including a pool and spa, landscape improvements, and perimeter fencing. The General Plan designation for the property is RSD, Single Unit Residential Dwelling and the Zoning Code designation is R-1 Single-Unit Residential. The existing lot is 120 feet wide by 300.5 feet deep, with an area of 36,060 square feet. The property is identified as the southeasterly 120.00 feet of Lot 297, Newport Beach as recorded in Book 4, Page 83 of Miscellaneous Maps of the County of Orange and the Assessor’s Parcel Number is 426-101-07. The Applicant proposes to subdivide the lot in to two parcels, identified as Parcel 1 (15,000 sq. ft.) and Parcel 2 (21,060 sq. ft.) as shown on the attached Tentative Parcel Map No. 2020-105. The resultant lot configuration will be a Flag Lot with the existing residence located in the newly formed Parcel 2. The applicant does not plan to develop Parcel 1 at the present time. Both Parcels of the proposed subdivision will comply with the R-1 Development Standards with respect to area, width, depth, and setbacks. No deviations from the City’s Zoning or Subdivision Code are requested. General Plan Amendment General Plan Policy LU 4.2 Prohibition of New Residential Subdivisions prohibits new residential subdivisions that would result in additional dwelling units unless authorized by an amendment of PA2020-041 Mr. James Campbell March 9, 2020 Page 2 of 3 the General Plan (GPA). The proposed project would create an additional single-family dwelling unit on Parcel 1, therefore requiring a General Plan Amendment. Title 20 Zoning and Planning Code The Zoning Code Chapter 20.18 regulates residential Zoning Districts. The property is zoned R-1 (Single-Family Residential), which is intended to provide for areas appropriate for detached single-family residential units, each located on a single lot and does not include condominiums or cooperative housing. New land uses and structures must be designed in accordance with Zoning Code Chapter 20.18.030 Table 2-2 Development Standards for Single-Unit Residential Zoning Districts. The proposed project would subdivide an interior lot which will comply with the development standards of Table 2-3, including having a minimum lot area exceeding 5,000 square feet and a minimum lot widthexceeding 50 feet. Title 19 Subdivision Code The City’s Subdivision Code is intended to provide consistency and compliance with the Subdivision Map Act (Division 2 of Title 7 of the California Government Code) during the creation of tract and parcel maps. New subdivisions must comply with the applicability of Title 19.24.050 for the design of lots. Flag lots may be permitted if the resulting lot pattern will be equal to or superior than a standard lot design in terms of privacy, safety, lot usability and parking. The proposed project conforms the requirements of flag lots and is consistent with the flag lots located immediately northwest of the property, as shown on the existing tract map (attached as S-160). The accessway portion of the proposed flag lot is not be credited toward satisfying the minimum lot area requirements set forth in Title 20 (Planning and Zoning). The following written statement of facts for Tentative Parcel Map No. 2020-105 is provided below pursuant to the City’s requirements. a) What is the existing use(s) of the property? The existing use is a single-family residence with accessory structures. b)What improvements and public utilities are proposed to be made or installed and when are said improvements proposed to be completed? No demolition or construction is proposed as a part of this application. No additional publicutilities will be required with the development of the new parcel. As shown on TPM 2020-105,access to both parcels will be provided and maintained through the existing driveway. PA2020-041 Mr. James Campbell March 9, 2020 Page 3 of 3 c)What is the provision(s) for sewage and sewage disposal? There is an existing sewer connection to the site from the City of Newport Beach sewage system. The new parcel will connect into the City of Newport Beach sewage system. d) What, if any, public area(s) is proposed? No public areas are proposed. e)What, if any, tree planting(s) is proposed No trees are proposed. f)If any, briefly list and attach a copy of any restrictive covenants proposed. A 20-foot driveway easement will be maintained on Parcel 2. The required fee amount of $7,500 for a General Plan Amendment and $1,887 for the Tentative Parcel Map applications are enclosed with this submittal. We look forward to the City’s determination that the application is complete and the earliest Planning Commission and City Council hearings to consider the proposed project. Sincerely, CAA PLANNING, INC. Shawna L. Schaffner Chief Executive Officer c: Ashley Shvetz Attachments: Existing Tract Map – S-160 Eight full-sized sets of Tentative Parcel Maps Preliminary Title Report Grant Deed Public Noticing Materials CD-ROM containing submittal items PA2020-041 RECORDED AT THE REQUEST OF CHICAGO TITLE COMPANY RECORDING REQUESTED BY: Chicago Title Company AND WHEN RECORDED MAIL TO: AND MAIL TAX STATEMENT TO: Shvetz Living Trust 2400 Santiago Drive Newport Beach, CA 92660 Escrow No.: 56828-SW Order No.: 58601907284 Recorded in Official Records, Orange County Hugh Nguyen, Clerk-Recorder I IIIII I I IIIIII Ill lllll lllll lllll lllll lllll lllll lllll lllll lllll 1111111111111 29. 00 * $ R O O 1 1 1 6 6 6 1 3 $ * 2019000378475 8:00 am 10/01/19 47 422 G02 2 07 1980.00 1980.00 20.00 0.00 3.00 0.00 0.000.000.00 0.00 SPACE ABOVE THIS LINE FOR RECORDER'S USE GRANT DEED THE UNDERSIGNED GRANTOR(S) DECLARE(S) THAT DOCUMENTARY TRAN.SFER TAX IS $3,960.00 and CITY$ X computed on full value of property conveyed, or __ computed on full value less liens or encumbrances remaining at the time of sale. ___ unincorporated area: _X_City of Newport Beach, and FOR A VALUABLE CONSIDERATION, receipt of which is hereby acknowledged, Patrick Shedarowich and Erin Shedarowich, husband and wife as joint tenants hereby GRANTS to Brendon J. Shvetz and Ashley M. Shvetz, as Co-Trustees of the Shvetz Living Trust, established April 13, 2017 the following described real property in the City of Newport Beach, County of Orange, State of California: The Southeasterly 120.00 Feet of Lot 297, Newport Heights, in the City ofNewport Beach, County of Orange, State of California, as per map recorded in Book 4 Page 83 of Miscellaneous Maps, in the Office of the County Recorder of Orange County, California. Also Known as: 2400 Santiago Drive, Newport Beach, CA 92660 APN#: 426-101-07 GRANT DEED CONTINUED ON NEXT PAGE Mail Tax Stat~ments to: SAME AS ABOVE or Address noted below PA2020-041 CONTINUATION OF GRANT DEED Order No.: 58601907284 Escrow No.: 56828-SW APN: 426-101-07 Property Address: 2400 Santiago Drive, Newport Beach, CA 92660 A notary public or other officer completing this certificate verifies only the identity of the individual who signed the document to which this certificate is attached and not the truthfulness accurac , or validi of that document. STATE OF CALIEOR.WA } COUNTY OF~ Nb I? S.S. On s.G(Jt .c,mb u-ic; , 10 I 'l , before me, J Mlni'f .tr Forti" Notary Public, personally appeared Patrick Shedarowich and Erin Shedarowich. who proved to me on the basis of satisfactory evidence to be the person(s) whose name(s) is/are subscribed to the within instrument and acknowledged to me that he/she/they executed the same in his/her/their authorized capacity(ies), and that by his/her/their signature(s) on the instrument the person(s), or the entity upon behalf of which the person(s) acted, executed the instrument. I certify under PENAL TY OF PERJURY under the laws of the State of California that the foregoing paragraph is true and correct. 1············1 • o, JENNIFER FORTIN : ' -·· Notary Public -California : i . . Orange County J i Commission # 228J.496 ~ My Comm. Expires Mar 29, 2023 PA2020-041 16969 Von Karman Ave Suite 150 Irvine, CA 92606 Phone: (949)263-6800 / Fax: (949)263-0872 Policy-Guarantee Product Enclosure Letter (Title)Printed: 10.17.19 @ 10:03 PM bySSCORPD0272.doc / Updated: 04.10.18 Page 1 -CT-FWKO-02180.055851-58601907284 Shvetz Living Trust 2400 Santiago Drive Newport Beach, CA 92660 Date:October 17, 2019 Order No.:58601907284-JFA Borrower(s):Ashley Shvetz and Brendon Shvetz Property:2400 Santiago Drive Newport Beach, CA 92660-3606 Enclosed is your Title Policy or Guarantee in connection with the above referenced transaction. Please call us immediately if you have any questions or concerns. Sincerely, John F Allen Title Officer ChicagoAllen@ctt.com PA2020-041 ALTA HOMEOWNER'S POLICY OF TITLE INSURANCE FOR A ONE-TO-FOUR FAMILY RESIDENCE Policy Number: Issued By: 58601907284 Copyright American Land Title Association. All rights reserved. The use of this Form (or any derivative thereof) is restricted to ALTA licensees and ALTA members in good standing as of the date of use. All other uses are prohibited. Reprinted under license from the American Land Title Association. ALTA Homeowner's Policy of Title Insurance (Adopted 10-17-98 Revised 10-22-03 01-01-08 02-03-10) (12/02/2013)Printed: 10.17.19 @ 10:04 PM Page 1 CA-CT-FWKO-02180.055860-SPS-72451-1-19-58601907284 OWNER'S INFORMATION SHEET Your Title Insurance Policy is a legal contract between You and Us. It applies only to a one-to-four family residence and only if each insured named in Schedule A is a Natural Person. If the Land described in Schedule A of the Policy is not an improved residential lot on which there is located a one-to-four family residence, or if each insured named in Schedule A is not a Natural Person, contact Us immediately. The Policy insures You against actual loss resulting from certain Covered Risks. These Covered Risks are listed on the Policy. The Policy is limited by: • Provisions of Schedule A • Exceptions in Schedule B • Our Duty To Defend Against Legal Actions • Exclusions • Conditions You should keep the Policy even if You transfer Your Title to the Land. It may protect against claims made against You by someone else after You transfer Your Title. IF YOU WANT TO MAKE A CLAIM,SEE SECTION 3 UNDER CONDITIONS. The premium for this Policy is paid once. No additional premium is owed for the Policy. This sheet is not Your insurance Policy. It is only a brief outline of some of the important Policy features. The Policy explains in detail Your rights and obligations and Our rights and obligations. Since the Policy - and not this sheet - is the legal document, YOU SHOULD READ THE POLICY VERY CAREFULLY. If You have any questions about Your Policy, contact: Chicago Title Company, 16969 Von Karman Ave Suite 150, Irvine, CA 92606 PA2020-041 CHICAGO TITLE INSURANCE COMPANY OWNER'S POLICY NO. 58601907284 Copyright American Land Title Association. All rights reserved. The use of this Form (or any derivative thereof) is restricted to ALTA licensees and ALTA members in good standing as of the date of use. All other uses are prohibited. Reprinted under license from the American Land Title Association. ALTA Homeowner's Policy of Title Insurance (Adopted 10-17-98 Revised 10-22-03 01-01-08 02-03-10) (12/02/2013)Printed: 10.17.19 @ 10:04 PM Page 2 CA-CT-FWKO-02180.055860-SPS-72451-1-19-58601907284 TABLE OF CONTENTS OWNER'S COVERAGE STATEMENT COVERED RISKS OUR DUTY TO DEFEND AGAINST LEGAL ACTIONS EXCLUSIONS CONDITIONS 1. Definitions 2. Continuation of Coverage 3. How to Make a Claim 4. Our Choices When We Learn of a Claim 5. Handling a Claim or Legal Action 6. Limitation of Our Liability 7. Transfer of Your Rights to Us 8. This Policy is the Entire Contract 9. Increased Policy Amount 10. Severability 11. Arbitration 12. Choice of Law SCHEDULE A Policy Number, Premium, Date and Time and Amount Deductible Amounts and Maximum Dollar Limits of Liability Street Address of the Land 1.Name of Insured 2. Interest in Land Covered 3. Description of the Land SCHEDULE B - EXCEPTIONS PA2020-041 CHICAGO TITLE INSURANCE COMPANY OWNER'S POLICY NO. 58601907284 Copyright American Land Title Association. All rights reserved. The use of this Form (or any derivative thereof) is restricted to ALTA licensees and ALTA members in good standing as of the date of use. All other uses are prohibited. Reprinted under license from the American Land Title Association. ALTA Homeowner's Policy of Title Insurance (Adopted 10-17-98 Revised 10-22-03 01-01-08 02-03-10) (12/02/2013)Printed: 10.17.19 @ 10:04 PM Page 3 CA-CT-FWKO-02180.055860-SPS-72451-1-19-58601907284 As soon as You Know of anything that might be covered by this Policy, You must notify Us promptly in writing at the address shown in Section 3 of the Conditions. OWNER'S COVERAGE STATEMENT This Policy insures You against actual loss, including any costs, attorneys' fees and expenses provided under this Policy. The loss must result from one or more of the Covered Risks set forth below. This Policy covers only Land that is an improved residential lot on which there is located a one-to-four family residence and only when each insured named in Schedule A is a Natural Person. Your insurance is effective on the Policy Date. This Policy covers Your actual loss from any risk described under Covered Risks if the event creating the risk exists on the Policy Date or, to the extent expressly stated in Covered Risks, after the Policy Date. Your insurance is limited by all of the following: • The Policy Amount • For Covered Risk 16, 18, 19 and 21, Your Deductible Amount and Our Maximum Dollar Limit of Liability shown in Schedule A • The Exceptions in Schedule B • Our Duty To Defend Against Legal Actions • The Exclusions • The Conditions COVERED RISKS The Covered Risks are: 1. Someone else owns an interest in Your Title. 2. Someone else has rights affecting Your Title because of leases, contracts, or options. 3. Someone else claims to have rights affecting Your Title because of forgery or impersonation. 4. Someone else has an easement on the Land. 5. Someone else has a right to limit Your use of the Land. 6. Your Title is defective. Some of these defects are: a. Someone else's failure to have authorized a transfer or conveyance of your Title. b. Someone else's failure to create a valid document by electronic means. c. A document upon which Your Title is based is invalid because it was not properly signed, sealed, acknowledged, delivered or recorded. d. A document upon which Your Title is based was signed using a falsified, expired, or otherwise invalid power of attorney. e. A document upon which Your Title is based was not properly filed, recorded, or indexed in the Public Records. f. A defective judicial or administrative proceeding. 7. Any of Covered Risks 1 through 6 occurring after the Policy Date. 8. Someone else has a lien on Your Title, including a: a. lien of real estate taxes or assessments imposed on Your Title by a governmental authority that are due or payable, but unpaid; b. Mortgage; c. judgment, state or federal tax lien; d. charge by a homeowner's or condominium association; or e. lien, occurring before or after the Policy Date, for labor and material furnished before the Policy Date. 9. Someone else has an encumbrance on Your Title. PA2020-041 CHICAGO TITLE INSURANCE COMPANY OWNER'S POLICY NO. 58601907284 Copyright American Land Title Association. All rights reserved. The use of this Form (or any derivative thereof) is restricted to ALTA licensees and ALTA members in good standing as of the date of use. All other uses are prohibited. Reprinted under license from the American Land Title Association. ALTA Homeowner's Policy of Title Insurance (Adopted 10-17-98 Revised 10-22-03 01-01-08 02-03-10) (12/02/2013)Printed: 10.17.19 @ 10:04 PM Page 4 CA-CT-FWKO-02180.055860-SPS-72451-1-19-58601907284 10. Someone else claims to have rights affecting Your Title because of fraud, duress, incompetency or incapacity. 11. You do not have actual vehicular and pedestrian access to and from the Land, based upon a legal right. 12. You are forced to correct or remove an existing violation of any covenant, condition or restriction affecting the Land, even if the covenant, condition or restriction is excepted in Schedule B. However, You are not covered for any violation that relates to: a. any obligation to perform maintenance or repair on the Land; or b. environmental protection of any kind, including hazardous or toxic conditions or substances unless there is a notice recorded in the Public Records, describing any part of the Land, claiming a violation exists. Our liability for this Covered Risk is limited to the extent of the violation stated in that notice. 13. Your Title is lost or taken because of a violation of any covenant, condition or restriction, which occurred before You acquired Your Title, even if the covenant, condition or restriction is excepted in Schedule B. 14. The violation or enforcement of those portions of any law or government regulation concerning: a. building; b. zoning; c. land use; d. improvements on the Land; e. land division; or f. environmental protection, if there is a notice recorded in the Public Records, describing any part of the Land, claiming a violation exists or declaring the intention to enforce the law or regulation. Our liability for this Covered Risk is limited to the extent of the violation or enforcement stated in that notice. 15. An enforcement action based on the exercise of a governmental police power not covered by Covered Risk 14 if there is a notice recorded in the Public Records, describing any part of the Land, of the enforcement action or intention to bring an enforcement action. Our liability for this Covered Risk is limited to the extent of the enforcement action stated in that notice. 16. Because of an existing violation of a subdivision law or regulation affecting the Land: a. You are unable to obtain a building permit; b. You are required to correct or remove the violation; or c. someone else has a legal right to, and does, refuse to perform a contract to purchase the Land, lease it or make a Mortgage loan on it. The amount of Your insurance for this Covered Risk is subject to Your Deductible Amount and Our Maximum Dollar Limit of Liability shown in Schedule A. 17. You lose Your Title to any part of the Land because of the right to take the Land by condemning it, if: a. there is a notice of the exercise of the right recorded in the Public Records and the notice describes any part of the Land; or b. the taking happened before the Policy Date and is binding on You if You bought the Land without Knowing of the taking. 18. You are forced to remove or remedy Your existing structures, or any part of them - other than boundary walls or fences - because any portion was built without obtaining a building permit from the proper government office. The amount of Your insurance for this Covered Risk is subject to Your Deductible Amount and Our Maximum Dollar Limit of Liability shown in Schedule A. 19. You are forced to remove or remedy Your existing structures, or any part of them, because they violate an existing zoning law or zoning regulation. If You are required to remedy any portion of Your existing structures, the amount of Your insurance for this Covered Risk is subject to Your Deductible Amount and Our Maximum Dollar Limit of Liability shown in Schedule A. PA2020-041 CHICAGO TITLE INSURANCE COMPANY OWNER'S POLICY NO. 58601907284 Copyright American Land Title Association. All rights reserved. The use of this Form (or any derivative thereof) is restricted to ALTA licensees and ALTA members in good standing as of the date of use. All other uses are prohibited. Reprinted under license from the American Land Title Association. ALTA Homeowner's Policy of Title Insurance (Adopted 10-17-98 Revised 10-22-03 01-01-08 02-03-10) (12/02/2013)Printed: 10.17.19 @ 10:04 PM Page 5 CA-CT-FWKO-02180.055860-SPS-72451-1-19-58601907284 20. You cannot use the Land because use as a single-family residence violates an existing zoning law or zoning regulation. 21. You are forced to remove Your existing structures because they encroach onto Your neighbor's land. If the encroaching structures are boundary walls or fences, the amount of Your insurance for this Covered Risk is subject to Your Deductible Amount and Our Maximum Dollar Limit of Liability shown in Schedule A. 22. Someone else has a legal right to, and does, refuse to perform a contract to purchase the Land, lease it or make a Mortgage loan on it because Your neighbor's existing structures encroach onto the Land. 23. You are forced to remove Your existing structures which encroach onto an easement or over a building set-back line, even if the easement or building set-back line is excepted in Schedule B. 24. Your existing structures are damaged because of the exercise of a right to maintain or use any easement affecting the Land, even if the easement is excepted in Schedule B. 25. Your existing improvements (or a replacement or modification made to them after the Policy Date), including lawns, shrubbery or trees, are damaged because of the future exercise of a right to use the surface of the Land for the extraction or development of minerals, water or any other substance, even if those rights are excepted or reserved from the description of the Land or excepted in Schedule B. 26. Someone else tries to enforce a discriminatory covenant, condition or restriction that they claim affects Your Title which is based upon race, color, religion, sex, handicap, familial status, or national origin. 27. A taxing authority assesses supplemental real estate taxes not previously assessed against the Land for any period before the Policy Date because of construction or a change of ownership or use that occurred before the Policy Date. 28. Your neighbor builds any structures after the Policy Date - other than boundary walls or fences - which encroach onto the Land. 29. Your Title is unmarketable, which allows someone else to refuse to perform a contract to purchase the Land, lease it or make a Mortgage loan on it. 30. Someone else owns an interest in Your Title because a court order invalidates a prior transfer of the title under federal bankruptcy, state insolvency, or similar creditors' rights laws. 31. The residence with the address shown in Schedule A is not located on the Land at the Policy Date. 32. The map, if any, attached to this Policy does not show the correct location of the Land according to the Public Records. OUR DUTY TO DEFEND AGAINST LEGAL ACTIONS We will defend Your Title in any legal action only as to that part of the action which is based on a Covered Risk and which is not excepted or excluded from coverage in this Policy. We will pay the costs, attorneys' fees, and expenses We incur in that defense. We will not pay for any part of the legal action which is not based on a Covered Risk or which is excepted or excluded from coverage in this Policy. We can end Our duty to defend Your Title under Section 4 of the Conditions. PA2020-041 CHICAGO TITLE INSURANCE COMPANY OWNER'S POLICY NO. 58601907284 Copyright American Land Title Association. All rights reserved. The use of this Form (or any derivative thereof) is restricted to ALTA licensees and ALTA members in good standing as of the date of use. All other uses are prohibited. Reprinted under license from the American Land Title Association. ALTA Homeowner's Policy of Title Insurance (Adopted 10-17-98 Revised 10-22-03 01-01-08 02-03-10) (12/02/2013)Printed: 10.17.19 @ 10:04 PM Page 6 CA-CT-FWKO-02180.055860-SPS-72451-1-19-58601907284 THIS POLICY IS NOT COMPLETE WITHOUT SCHEDULES A AND B. IN WITNESS WHEREOF, CHICAGO TITLE INSURANCE COMPANY has caused this policy to be signed and sealed by its duly authorized officers. Chicago Title Company 16969 Von Karman Ave Suite 150 Irvine, CA 92606 Chicago Title Insurance Company By: Countersigned By: Authorized Officer or Agent President Attest: Secretary PA2020-041 Copyright American Land Title Association. All rights reserved. The use of this Form (or any derivative thereof) is restricted to ALTA licensees and ALTA members in good standing as of the date of use. All other uses are prohibited. Reprinted under license from the American Land Title Association. ALTA Homeowner's Policy of Title Insurance (Adopted 10-17-98 Revised 10-22-03 01-01-08 02-03-10) (12/02/2013)Printed: 10.17.19 @ 10:04 PM Page 7 CA-CT-FWKO-02180.055860-SPS-72451-1-19-58601907284 CHICAGO TITLE INSURANCE COMPANY OWNER'S POLICY NO. 58601907284 SCHEDULE A Policy Date Policy Amount Premium October 1, 2019 at 08:00 AM $3,600,000.00 $4,686.00 Name and Address of Title Insurance Company:John F Allen Chicago Title Company 16969 Von Karman Ave Suite 150 Irvine, CA 92606 Deductible Amounts and Maximum Dollar Limits of Liability For Covered Risk 16, 18, 19 and 21: Your Deductible Amount Our Maximum Dollar Limit of Liability Covered Risk 16: 1.00% of Policy Amount Shown in Schedule A $ 10,000.00 or $ 2,500.00 (whichever is less) Covered Risk 18: 1.00% of Policy Amount Shown in Schedule A $ 25,000.00 or $ 5,000.00 (whichever is less) Covered Risk 19: 1.00% of Policy Amount Shown in Schedule A $ 25,000.00 or $ 5,000.00 (whichever is less) Covered Risk 21: 1.00% of Policy Amount Shown in Schedule A $ 5,000.00 or $ 2,500.00 (whichever is less) Street Address of the Land:2400 Santiago Drive, Newport Beach, CA 92660-3606 1. Name of Insured: Brendon J. Shvetz and Ashley M. Shvetz, as Co-Trustees of the Shvetz Living Trust. established April 13, 2017 2. Your interest in the Land covered by this Policy is: A Fee 3. The Land referred to in this Policy is described as: SEE EXHIBIT "A" ATTACHED HERETO AND MADE A PART HEREOF END OF SCHEDULE A PA2020-041 EXHIBIT "A" Legal Description Copyright American Land Title Association. All rights reserved. The use of this Form (or any derivative thereof) is restricted to ALTA licensees and ALTA members in good standing as of the date of use. All other uses are prohibited. Reprinted under license from the American Land Title Association. ALTA Homeowner's Policy of Title Insurance (Adopted 10-17-98 Revised 10-22-03 01-01-08 02-03-10) (12/02/2013)Printed: 10.17.19 @ 10:04 PM Page 8 CA-CT-FWKO-02180.055860-SPS-72451-1-19-58601907284 For APN/Parcel ID(s):426-101-07 THE LAND REFERRED TO HEREIN BELOW IS SITUATED IN THE CITY OF NEWPORT BEACH, COUNTY OF ORANGE, STATE OF CALIFORNIA AND IS DESCRIBED AS FOLLOWS: THE SOUTHEASTERLY 120.00 FEET OF LOT 297, NEWPORT HEIGHTS, IN THE CITY OF NEWPORT BEACH, COUNTY OF ORANGE, STATE OF CALIFORNIA, AS PER MAP RECORDED IN BOOK 4 PAGE(S) 83 OF MISCELLANEOUS MAPS, IN THE OFFICE OF THE COUNTY RECORDER OF ORANGE COUNTY, CALIFORNIA. PA2020-041 CHICAGO TITLE INSURANCE COMPANY OWNER'S POLICY NO. 58601907284 SCHEDULE B EXCEPTIONS Copyright American Land Title Association. All rights reserved. The use of this Form (or any derivative thereof) is restricted to ALTA licensees and ALTA members in good standing as of the date of use. All other uses are prohibited. Reprinted under license from the American Land Title Association. ALTA Homeowner's Policy of Title Insurance (Adopted 10-17-98 Revised 10-22-03 01-01-08 02-03-10) (12/02/2013)Printed: 10.17.19 @ 10:04 PM Page 9 CA-CT-FWKO-02180.055860-SPS-72451-1-19-58601907284 In addition to the Exclusions, You are not insured against loss, costs, attorneys’ fees, and expenses resulting from: 1. Property taxes, which are a lien not yet due and payable, including any assessments collected with taxes to be levied for the fiscal year 2019-2020. 2. The lien of supplemental or escaped assessments of property taxes, if any, made pursuant to the provisions of Chapter 3.5 (commencing with Section 75) or Part 2, Chapter 3, Articles 3 and 4, respectively, of the Revenue and Taxation Code of the State of California as a result of the transfer of title to the vestee named in Schedule A or as a result of changes in ownership or new construction occurring prior to Date of Policy. 3. Water rights, claims or title to water, whether or not disclosed by the public records. 4. Easement(s) for the purpose(s) shown below and rights incidental thereto as set forth in a document: In favor of: Southern California Edison Company Purpose: Pole lines and conduits Recording No: Book 2605, Page 634, of Official Records. Affects: The Northeasterly 5 feet of said land 5. A deed of trust to secure an indebtedness in the amount shown below, Amount: $2,000,000.00 Dated: September 30, 2019 Trustor/Grantor: Brendon J. Shvetz and Ashley M. Shvetz, as Co-Trustees of the Shvetz Living Trust. established April 13, 2017 Trustee: Fidelity National Title Ins Co. Beneficiary: Wells Fargo Bank, N.A. Loan No.: XXXXXX9092 Recording Date: October 1, 2019 Recording No: 2019000378476, Official Records END OF SCHEDULE B PA2020-041 CHICAGO TITLE INSURANCE COMPANY OWNER'S POLICY NO. 58601907284 Copyright American Land Title Association. All rights reserved. The use of this Form (or any derivative thereof) is restricted to ALTA licensees and ALTA members in good standing as of the date of use. All other uses are prohibited. Reprinted under license from the American Land Title Association. ALTA Homeowner's Policy of Title Insurance (Adopted 10-17-98 Revised 10-22-03 01-01-08 02-03-10) (12/02/2013)Printed: 10.17.19 @ 10:04 PM Page 10 CA-CT-FWKO-02180.055860-SPS-72451-1-19-58601907284 EXCLUSIONS In addition to the Exceptions in Schedule B, You are not insured against loss, costs, attorneys' fees, and expenses resulting from: 1. Governmental police power, and the existence or violation of those portions of any law or government regulation concerning: a. building; b. zoning; c. land use; d. improvements on the Land; e. land division; and f. environmental protection. This Exclusion does not limit the coverage described in Covered Risk 8.a., 14, 15, 16, 18, 19, 20, 23 or 27. 2. The failure of Your existing structures, or any part of them, to be constructed in accordance with applicable building codes. This Exclusion does not limit the coverage described in Covered Risk 14 or 15. 3. The right to take the Land by condemning it. This Exclusion does not limit the coverage described in Covered Risk 17. 4. Risks: a. that are created, allowed, or agreed to by You, whether or not they are recorded in the Public Records; b. that are Known to You at the Policy Date, but not to Us, unless they are recorded in the Public Records at the Policy Date; c. that result in no loss to You; or d. that first occur after the Policy Date - this does not limit the coverage described in Covered Risk 7, 8.e., 25, 26, 27 or 28. 5. Failure to pay value for Your Title. 6. Lack of a right: a. to any land outside the area specifically described and referred to in paragraph 3 of Schedule A; and b. in streets, alleys, or waterways that touch the Land. This Exclusion does not limit the coverage described in Covered Risk 11 or 21. 7. The transfer of the Title to You is invalid as a preferential transfer or as a fraudulent transfer or conveyance under federal bankruptcy, state insolvency, or similar creditors' rights laws. 8. Contamination, explosion, fire, flooding, vibration, fracturing, earthquake or subsidence. 9. Negligence by a person or an Entity exercising a right to extract or develop minerals, water, or any other substances. CONDITIONS 1. DEFINITIONS a. Easement - the right of someone else to use the Land for a special purpose. b. Estate Planning Entity - a legal entity or Trust established by a Natural Person for estate planning. c. Known - things about which You have actual knowledge. The words "Know" and "Knowing" have the same meaning as Known. d. Land - the land or condominium unit described in paragraph 3 of Schedule A and any improvements on the Land which are real property. e. Mortgage - a mortgage, deed of trust, trust deed or other security instrument. f. Natural Person - a human being, not a commercial or legal organization or entity. Natural Person includes a trustee of a Trust even if the trustee is not a human being. g. Policy Date - the date and time shown in Schedule A. If the insured named in Schedule A first acquires the interest shown in Schedule A by an instrument recorded in the Public Records later than the date and time shown in Schedule A, the Policy Date is the date and time the instrument is recorded. h. Public Records - records that give constructive notice of matters affecting Your Title, according to the state statutes where the Land is located. i. Title - the ownership of Your interest in the Land, as shown in Schedule A. j. Trust - a living trust established by a Natural Person for estate planning. k. We/Our/Us - Chicago Title Insurance Company. l. You/Your - the insured named in Schedule A and also those identified in Section 2.b. of these Conditions. 2. CONTINUATION OF COVERAGE a. This Policy insures You forever, even after You no longer have Your Title. You cannot assign this Policy to anyone else. b. This Policy also insures: (1) anyone who inherits Your Title because of Your death; (2) Your spouse who receives Your Title because of dissolution of Your marriage; PA2020-041 CHICAGO TITLE INSURANCE COMPANY OWNER'S POLICY NO. 58601907284 (continued) Copyright American Land Title Association. All rights reserved. The use of this Form (or any derivative thereof) is restricted to ALTA licensees and ALTA members in good standing as of the date of use. All other uses are prohibited. Reprinted under license from the American Land Title Association. ALTA Homeowner's Policy of Title Insurance (Adopted 10-17-98 Revised 10-22-03 01-01-08 02-03-10) (12/02/2013)Printed: 10.17.19 @ 10:04 PM Page 11 CA-CT-FWKO-02180.055860-SPS-72451-1-19-58601907284 (3) the trustee or successor trustee of Your Trust or any Estate Planning Entity created for You to whom or to which You transfer Your Title after the Policy Date; (4) the beneficiaries of Your Trust upon Your death; or (5) anyone who receives Your Title by a transfer effective on Your death as authorized by law. c. We may assert against the insureds identified in Section 2.b. any rights and defenses that We have against any previous insured under this Policy. 3. HOW TO MAKE A CLAIM a. Prompt Notice Of Your Claim (1) As soon as You Know of anything that might be covered by this Policy, You must notify Us promptly in writing. (2) Send Your notice to Chicago Title Insurance Company, P.O. Box 45023, Jacksonville, FL 32232-5023, Attn: Claims Department. Please include the Policy number shown in Schedule A, and the county and state where the Land is located. Please enclose a copy of Your policy, if available. (3) If You do not give Us prompt notice, Your coverage will be reduced or ended, but only to the extent Your failure affects Our ability to resolve the claim or defend You. b. Proof Of Your Loss (1) We may require You to give Us a written statement signed by You describing Your loss which includes: (a) the basis of Your claim; (b) the Covered Risks which resulted in Your loss; (c) the dollar amount of Your loss; and (d) the method You used to compute the amount of Your loss. (2) We may require You to make available to Us records, checks, letters, contracts, insurance policies and other papers which relate to Your claim. We may make copies of these papers. (3) We may require You to answer questions about Your claim under oath. (4) If you fail or refuse to give Us a statement of loss, answer Our questions under oath, or make available to Us the papers We request, Your coverage will be reduced or ended, but only to the extent Your failure or refusal affects Our ability to resolve the claim or defend You. 4. OUR CHOICES WHEN WE LEARN OF A CLAIM a. After We receive Your notice, or otherwise learn, of a claim that is covered by this Policy, Our choices include one or more of the following: (1) Pay the claim; (2) Negotiate a settlement; (3) Bring or defend a legal action related to the claim; (4) Pay You the amount required by this Policy; (5) End the coverage of this Policy for the claim by paying You Your actual loss resulting from the Covered Risk, and those costs, attorneys' fees and expenses incurred up to that time which We are obligated to pay; (6) End the coverage described in Covered Risk 16, 18, 19 or 21 by paying You the amount of Your insurance then in force for the particular Covered Risk, and those costs, attorneys' fees and expenses incurred up to that time which We are obligated to pay; (7) End all coverage of this Policy by paying You the Policy Amount then in force, and those costs, attorneys' fees and expenses incurred up to that time which We are obligated to pay; (8) Take other appropriate action. b. When We choose the options in Sections 4.a. (5), (6) or (7), all Our obligations for the claim end, including Our obligation to defend, or continue to defend, any legal action. c. Even if We do not think that the Policy covers the claim, We may choose one or more of the options above. By doing so, We do not give up any rights. 5. HANDLING A CLAIM OR LEGAL ACTION a. You must cooperate with Us in handling any claim or legal action and give Us all relevant information. b. If You fail or refuse to cooperate with Us, Your coverage will be reduced or ended, but only to the extent Your failure or refusal affects Our ability to resolve the claim or defend You. c. We are required to repay You only for those settlement costs, attorneys' fees and expenses that We approve in advance. d. We have the right to choose the attorney when We bring or defend a legal action on Your behalf. We can appeal any decision to the highest level. We do not have to pay Your claim until the legal action is finally decided. e. Whether or not We agree there is coverage, We can bring or defend a legal action, or take other appropriate action under this Policy. By doing so, We do not give up any rights. PA2020-041 CHICAGO TITLE INSURANCE COMPANY OWNER'S POLICY NO. 58601907284 (continued) Copyright American Land Title Association. All rights reserved. The use of this Form (or any derivative thereof) is restricted to ALTA licensees and ALTA members in good standing as of the date of use. All other uses are prohibited. Reprinted under license from the American Land Title Association. ALTA Homeowner's Policy of Title Insurance (Adopted 10-17-98 Revised 10-22-03 01-01-08 02-03-10) (12/02/2013)Printed: 10.17.19 @ 10:04 PM Page 12 CA-CT-FWKO-02180.055860-SPS-72451-1-19-58601907284 6. LIMITATION OF OUR LIABILITY a. After subtracting Your Deductible Amount if it applies, We will pay no more than the least of: (1) Your actual loss; (2) Our Maximum Dollar Limit of Liability then in force for the particular Covered Risk, for claims covered only under Covered Risk 16, 18, 19 or 21; or (3) the Policy Amount then in force. and any costs, attorneys' fees and expenses that We are obligated to pay under this Policy. b. If We pursue Our rights under Sections 4.a.(3) and 5.e. of these Conditions and are unsuccessful in establishing the Title, as insured: (1) the Policy Amount then in force will be increased by Ten percent (10%) of the Policy Amount shown in Schedule A, and (2) You shall have the right to have the actual loss determined on either the date the claim was made by You or the date it is settled and paid. c. (1) If We remove the cause of the claim with reasonable diligence after receiving notice of it, all Our obligations for the claim end, including any obligation for loss You had while We were removing the cause of the claim. (2) Regardless of 6.c.(1) above, if You cannot use the Land because of a claim covered by this Policy: (a) You may rent a reasonably equivalent substitute residence and We will repay You for the actual rent You pay, until the earlier of: (i) the cause of the claim is removed; or (ii) We pay You the amount required by this Policy. If Your claim is covered only under Covered Risk 16, 18, 19 or 21, that payment is the amount of Your insurance then in force for the particular Covered Risk. (b) We will pay reasonable costs You pay to relocate any personal property You have the right to remove from the Land, including transportation of that personal property for up to twenty-five (25) miles from the Land, and repair of any damage to that personal property because of the relocation. The amount We will pay You under this paragraph is limited to the value of the personal property before You relocate it. d. All payments We make under this Policy reduce the Policy Amount then in force, except for costs, attorneys' fees and expenses. All payments We make for claims which are covered only under Covered Risk 16, 18, 19 or 21 also reduce Our Maximum Dollar Limit of Liability for the particular Covered Risk, except for costs, attorneys' fees and expenses. e. If We issue, or have issued, a Policy to the owner of a Mortgage that is on Your Title and We have not given You any coverage against the Mortgage, then: (1) We have the right to pay any amount due You under this Policy to the owner of the Mortgage, and any amount paid shall be treated as a payment to You under this Policy, including under Section 4.a. of these Conditions; (2) Any amount paid to the owner of the Mortgage shall be subtracted from the Policy Amount then in force; and (3) If Your claim is covered only under Covered Risk 16, 18, 19 or 21, any amount paid to the owner of the Mortgage shall also be subtracted from Our Maximum Dollar Limit of Liability for the particular Covered Risk. f. If You do anything to affect any right of recovery You may have against someone else, We can subtract from Our liability the amount by which You reduced the value of that right. 7. TRANSFER OF YOUR RIGHTS TO US a. When We settle Your claim, We have all the rights and remedies You have against any person or property related to the claim. You must not do anything to affect these rights and remedies. When We ask, You must execute documents to evidence the transfer to Us of these rights and remedies. You must let Us use Your name in enforcing these rights and remedies. b. We will not be liable to You if We do not pursue these rights and remedies or if We do not recover any amount that might be recoverable. c. We will pay any money We collect from enforcing these rights and remedies in the following order: (1) to Us for the costs, attorneys' fees and expenses We paid to enforce these rights and remedies; (2) to You for Your loss that You have not already collected; (3) to Us for any money We paid out under this Policy on account of Your claim; and (4) to You whatever is left. d. If You have rights and remedies under contracts (such as indemnities, guaranties, bonds or other policies of insurance) to recover all or part of Your loss, then We have all of those rights and remedies, even if those contracts provide that those obligated have all of Your rights and remedies under this Policy. 8. THIS POLICY IS THE ENTIRE CONTRACT This Policy, with any endorsements, is the entire contract between You and Us. To determine the meaning of any part of this Policy, You must read the entire Policy and any endorsements. Any changes to this Policy must be agreed to in writing by Us. Any claim You make against Us must be made under this Policy and is subject to its terms. PA2020-041 CHICAGO TITLE INSURANCE COMPANY OWNER'S POLICY NO. 58601907284 (continued) Copyright American Land Title Association. All rights reserved. The use of this Form (or any derivative thereof) is restricted to ALTA licensees and ALTA members in good standing as of the date of use. All other uses are prohibited. Reprinted under license from the American Land Title Association. ALTA Homeowner's Policy of Title Insurance (Adopted 10-17-98 Revised 10-22-03 01-01-08 02-03-10) (12/02/2013)Printed: 10.17.19 @ 10:04 PM Page 13 CA-CT-FWKO-02180.055860-SPS-72451-1-19-58601907284 9. INCREASED POLICY AMOUNT The Policy Amount then in force will increase by Ten percent (10%) of the Policy Amount shown in Schedule A each year for the first five (5) years following the Policy Date shown in Schedule A, up to One Hundred Fifty percent (150%) of the Policy Amount shown in Schedule A. The increase each year will happen on the anniversary of the Policy Date shown in Schedule A. 10. SEVERABILITY If any part of this Policy is held to be legally unenforceable, both You and We can still enforce the rest of this Policy. 11. ARBITRATION a. If permitted in the state where the Land is located, You or We may demand arbitration. b. The law used in the arbitration is the law of the state where the Land is located. c. The arbitration shall be under the Title Insurance Arbitration Rules of the American Land Title Association ("Rules"). You can get a copy of the Rules from Us. d. Except as provided in the Rules, You cannot join or consolidate Your claim or controversy with claims or controversies of other persons. e. The arbitration shall be binding on both You and Us. The arbitration shall decide any matter in dispute between You and Us. f. The arbitration award may be entered as a judgment in the proper court. 12. CHOICE OF LAW The law of the state where the Land is located shall apply to this policy. PA2020-041 ·1 J J I' ·. ' \" . . . ~~it,~JiM~~f~-iit;~.1,,::,.-:; ,;'< . .., .·~•,:'.~°"A.:·".,·~':!V~~jJ~~~~~.;.;.~._.~~~--;••.._·~··---....,--- PA2020-041