HomeMy WebLinkAbout20210303_ApplicationProperty Owner( s)
Name
Robert Holland
Address
Certificate of Compliance
Community Development Department
Planning Division
100 Civic Center Drive/ P.O. Box 1768 / Newport Beach, CA 92658-8915
(949)644-3204 Telephone/ (949)644-3229 Facsimile
www.newportbeachca.gov
City, State
310 Jasmine Ave Corona Del Mar, CA I Zip Code 92625
Email
ho1land3733@icloud.com
· Applicant( s)
Name
'"' Trifon Metodiev
.,
Address
155 Rochester street
Email
trifon@vulkanarchitects.com
Site/Project
Address
310 1/2 Jasmine Ave
Phone No. I FaxNo.
412-965-1619
City, State
Costa Mesa, CA
Phone No.
949-612-7257
I Fax No.
Assessor's Parcel No.
052-101-06
Along with the above portion of this form completely filled out, please submit the following:
I Zip Code
92627
1. A legible copy of the latest Recorded Grant Deed or Contract of Sale showing current ownership, include
the Title Insurance Policy if available.
2. A copy of the latest Tax Bill and Assessor's Map.
3. A copy of any and all documents supporting original creation of the parcel (e.g. Grant Deeds, Contracts of
Saie, Records o-f Swvey, Building Permits, or other documents).
4. If the project is improved, include legible copies of:
e A Plot P Ian, fully dimensioned on an 8½ " x ·11" sheet s hawing entire parcel, al I improvements, and
parcel area in square feet.
e A Building Permit for a Principal Building on the Property.
5. An application fee in the amount of $370 ($358 + OC Recorders Fee $12) payable to the City of Newport
Beach. Please note parcels not in compliance with Subdivision or Zoning regulations may incur additional
costs.
Do Mot Complete Application Below This Line -For Office Use Only
PA No. Submitted: Planner I ext.
CO No. Fee Paid: Date Mailed
DNo. Form of Payment: I Check No. Date of OR
□ Check D Credit Card
Pin Chck No. Receipt No. OR No.
Remarks:
Updated 08/07/2020
PA2021-040
CO2021-004
D2020-0269
1343-2020
3.3.2021 PDA 3237
$370.00
RCP0013584
1121
PA2021-040
RECORDING REQUESTED BY:SfL
Stewart Title of California Ire I
AND WHEN RECORDED MAIL TO:
Robert John Holland
Candace Ann Holland
5559 Steeplechase Ct.
Bethel Park, PA 15102
Title Order No.: CA0310-20004770-39
Recorded in Official Records, orange County
Hugh Nguyen, Clerk-Recorder
I IIIII I I llllll Ill lllll lllll lllll lllll lllll lllll lllll lllll lllll llll I I Ill llll 22· oo * $ R O O 1 1 6 0 2 9 0 6 $ *
2020000151662 10:48 am 04/03/20
18 NC-1 G02 6 07
1760.00 1760.00 0.00 0.00 15.00 0.00 0.000.000.00 0.00
THIS SPACE FOR RECORDER'S USE ONLY:
Escrow No.: 053547-MM
!GRANT DEED·;
THE UNDERSIGNED GRANTOR(S) DECLARE(S)
DOCUMENTARY TRANSFER TAX is $3,520.00
[X] computed on full value of property conveyed, or
[ ] computed on full value less value of liens or encumbrances remaining at time of sale.
[ ] Unincorporated area [X] City of Newport Beach AND
FOR A VALUABLE CONSIDERATION1 receipt of which is hereby acknowledged,
Ronald E. Ainsworth, a Married Man, as his sole and separate property, as to an
undivided fifty percent (50%) interest and The UCLA Foundation, a California Nonprofit
Corporation as to an undivided fifty percent (50%) interest
hereby GRANT(s) to:
Rober(John Holland and Candace Ann HollarfdI Husband and Wife as Community
Property
the real property in the City of Newport Beach, County of Orange, State of California,
described as:
LEGAL DESCRIPTION ATTACHED HERl=TO AS EXHIBIT "A" AND MADE A PART
HEREOF
Also Known as: ,-310 Jasmine Avenue, Corona del Mar, CA 92625,
AP#: 052-101-06
SUBJECT TO:
(1) General and Special County and City (if any) Taxes for the current fiscal year, not due or delinquent, including any
special levies, payments for which are included therein and collected therewith.
(2) Lien of Supplemental Taxes, if any, assessed pursuant to the provisions of Chapter 3.5 (commencing with Section 75)
of the Revenue and Taxation Code of the State of California.
(3) Covenants, Conditions ari'd Restrictions, reservation easements for public utilities, districts, water companies, alleys
and streets, rights and rights of way of record, if any; also exception of oil, gas, minerals and hydrocarbons,
and/or lease; if any, without the right of surface entry. 1
GRANT DEED CONTINUED ON NEXT PAGE
Mail Tax Statement to: SAME AS ABOVE or Address Noted Below:
Page 1 of 3
PA2021-040
SIGNATURE EXHIBIT
The UCLA Foundation, a CA Non-profit Corporation
By:
Julie sident -Finance/Chief Financial Officer
andT
By:
Jocelyn M. Tabata, Executive Director/Secretary
SlGNEP IN COUNTERPART
Ronald E. Ainsworth
PA2021-040
CONTINUATION OF GRANT DEED
Escrow No.: 053547-MM
Dated: February 18, 2020
SIGNATURE ATTACHED HERETO AS EXHIBIT AND
MADE A PART HEREOF.
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 co
On --1-"-..a.= .......... ""f-l~~~"'-"<-~,,...._-----'="'-=--4-'-_..,,_"-'--l~--"""'~~-'-,---------A Notary Public personally
app 'd-~t+J...,_.--Ar:--~rH-~-:---l-~..,-,-..,...~~..+:lf-f-1~~~~~~~--=-.,.........,.......---:-,.,...,...-:--who proved to me on the
basis o bed 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
correct.
WITNESS my hand and official seal.
Signatu~___:J\Q cV(Q)
of the State of California that the foregoing paragraph is true and
(Seal)
PA2021-040
SIGNATURE EXHIBIT
The UCLA Foundation, a CA Non-profit Corporation, a California Corporation
By:
By:
.Julie A. Sina, Vice President -Finance/Chief Financial Officer
and Treasurer
SIGNED f N COUNTERPART
SIGNED IN COUNTERPART
Jocelyn M. Tabata, Executive Director/Secretary
PA2021-040
CONTINUATION OF GRANT DEED
Escrow No.: 053547-MM
Dated: February 18, 2020
SIGNATURE ATTACHED HERETO AS EXHIBIT AND
MADE A PART HEREOF.
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 O fZ. A w C1 2.. . l
On jJ\ C:111: cJv, R G, ~o 7f before me, \<. . Pl <e'..,\( <c..E' A Notary Public personally
appeared bo·o \ E.. 1 /4 I V\ ':) v.,_j Q 'J --\-\7 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.
WITNESS my hand and official seal.
Signature __ ~~j=-........,=-=---=--""'--<=---0--='-------
------------(Seal)
K. PIERCE m
COMM ... 2287155 o
NOTARY PUBLIC-CALIFORNIA -f
ORANGE COUNTY ul
My Term Exp. May 2. 202Ll
I
PA2021-040
EXHIBIT A
Legal Description
The land hereinafter referred to is situated in the City of Newport Beach, County of Orange, State of California, and is
described as follows:
The Northeasterly Rectangular 20 feet of Lot 12 and the Southwesterly 20 feet of Lot 14 in Block 237 of Corona Del Mar,
in the City of Newport Beach, County of Orange, State of California, as per map recorded in Book 3 Page(s) 41 and 42 of
Miscellaneous Maps, in the Office of the County Recorder of Orange County, California.
APN: 052-101-06
PA2021-040
PA2021-040
PA2021-040
;/ODO '-f77tJ-.~q_ Stewart Title of Calfforma, Inc.
Recording Requested By / :!J fL
Return To:
BANK OF AMERICA, N.A.
4500 Amon Carter Blvd., Doc
Proc TX2-979-0l-19
Ft. Worth, TX 76155
Prepared By:
Angela Crumpton
BANK OF AMERICA, N .A.
8011 VILLA PARK DR
Richmond, VA 23228
(888} 868-4863
Recorded in Official Records, orange County
Hugh Nguyen, Clerk-Recorder
I lll!I I I llllll Ill lllll lllll lllll lllll lllll lllll lllll lllll lllll llll l I Ill llll 61-00
* $ R O O 1 1 6 0 2 9 0 7 $ *
202000015166310:48 am 04/03/20
18 NC-1 D11 18
0.00 0.00 0.00 0.00 51.00 0.00 0.000.000.00 3.00
fSpace Above This Line Fiw Recording Data}
DEED OF TRUST
HOLLAND
Doc JD#: .xxxxxxxxx7 62
MIN: 100015702962747624
MERS Phone: 1-888-679-6377
PJN: 052-101-06
Escrow/Closing#; CA0310-20004770-39
Trustor/Borrower:
ROBERT JOHN HOLLAND
5559 Steeplechase Ct, Bethel Park, PA 15102
Property Address: 310 Jasmine Ave, Corona Del Mar, CA 92625-3001
DEFINTI1ONS
Words used in muitiple sections of this document are defined below and other words are defined in Sections 3, I l. 13, 18,
20 and 21. Ce1iain rules regarding the usage of words used in this document are also provided in Section I 6.
(A) ''Security Instrument'' means this document~ which is dated April 1, 2020, together v,rith all Riders to this
document.
(B) 11Borrower11 is Robert John Holland and Candace Ann Holland, Husband and Wife as
Cornmuni ty Property. Borrower is the truster under this Security Jnstrument.
(C) "Lender" is B.ANK OF AMERICA, N .A .. Lender is a National Association organized and existing under
the Jaws of THE UNITED STATES. Lender's address is 101 South Tryon Street, Charl.otte, NC
28455.
(D) "Trustee" is First American Title Insurance Company.
(E)."l\·rnRsn is Mortgage Electronic Registration Systems, Inc. l\:f.ERS is a sepal'ate ~orporation that is acting solely as a
nominee for Lende:· and Lender's successors and assigns. MERS is the beneficia.ry under this Security Instrument.
MERS is organized and existing under the laws of Delaware, and has an address and telephone number of P.O. Box 2026.
Flint, MI 48501-2026, tel. (888) 679-MERS.
(¥) 11Note11 means the promissory note signed by B01Tower and dated April 1, 2020. The Note states that B01Tower
owes Lender One Mil.lion Five Hundred Thousand And 00./100 Dollars .(U.S. $1,500,000.00) plus
interest Bo1Tower has promised lO pay this debt in regular Periodic Payments and to pay the debt in full not later than
!v1ay 1, 2050.
CALIFORNlA--Singlc Family--F!cnnie Mae/Freddie Mae t:NIFOR.M INSTRUMENT Form 3005 1/01
CI!LIFO:Uil'IA DEED OF TRUST (SrDOT.CA)
r11•,•~11 Page I of 1-l-BANK OF AMERICA. N.r\.
11um11~111m111m11001m~~
[
Exempt from fee per GC 27388.1 (a) (2)~, recorded concurrently "In connection with" a
transfer subject to the Imposition of
document'4ry tax (OTT).
-------------··--·-···-·····-···-·--·--··--·--·--·--··---"---
·2962747623616404000~
PA2021-040
;/000 '-f77D-<l/. Stewart Title of Callfomfa, Inc.
Recording Requested By i SR..
Retum To:
BANK OF AMERICA, N.A.
4500 Amon Carter Blvd., Doc
Proc TX2-979-0l-19
Ft. Worth, TX 76155
Prepared By:
Angela Crumpton
BANK OF AMERICA, N .A.
8011 VILLA PARK DR
Richmond, VA 23228
(888) 868-4863
{Space Above This Line for Recording Data]
DEED OF TRUST
BOLLAND
Doc ID #: xxxxxxx.."<x7 62
MIN:100015702962747624
MERS Phonl!: 1-888-679-6377
PlN: 052-101-06
Escrow/Closing#. CA0310-20004770-39
Trustor/Borrower:
ROBERT JOHN HOLLAND
5559 Steeplechase Ct, Bethel Park, PA 15102
Property Address: 310 Jasmine Ave, Corona Del Mar, CA 92625-3001
DEFINlTIONS
Words used in multiple sections of this document arc defined below and other words are defined in Sections 3. 11. 13, 18,
20 and 21. Certain rules regarding the usage of words used in this document are also provided in Section 16.
(A) "Security Instrument'' means this document. which is dated April 1, 2020. together with all Riders to thi~-
docnment.
(B) "Borrowern is Robert John Holland and Candace Ann Holland, Husband and Wife as
Community Property. Borrower is the trustor under this Security lnstrument.
(C) "Lender" is BANK OF AMERICA, N .A .. Lender is a National Association organized and existing under
the Jaws of THE UNITED STATES. Lender's address is 101 South Tryon Street, Charlotte, NC
28255.
(D) "Trustee" is First .American Title Insurance Company.
(E) "MERS0 is Mortgage Electronic Registration Systems, Inc. MERS is a separate corporation that is acting solely as a
nominee for Lender and Lender's successors and asi::igns. MERS is the beneficiary under this Security Instrument.
MERS is organized and existing under the laws of Delaware, and has an address and telephone number of P.O. Box 2026.
Flint, Ml 48501-2026~ tel. (888) 679-MERS.
(F) "Note" means the promissory note signed by BotTower and dated April 1, 2020. The Note states that Borrower
owes Lender One Million Five Hundred Thousand ~..nd 00/100 Dollars (U.S. $1,500,000.00) plus
interest. Borrower has promised to pay this debt in regular Periodic Payments and to pay the debt in full nm later tha11
May 1, 2050.
CALIFORNIA--Single Fanuly-1-'annie Mae/Frcddit !\-lat \:NIFORM INSTRUMENT
CALIFOBNIA DEED OF TRUST (SIDOT. CA ) .
transfer subject to the Imposition of
dooumentary tax (OTT).
form 3005 i.10 I
PA2021-040
Doc TD #· xxxxxxxxx7 67.
(G) "Property" means the property that is described below under the heading "Transfer of Rights in the Property."
(H) "Loan" means the debt evidenced by the Note, plus interest, any prepayment charges and late charges due under the
Note, and all sums due under this Security Instrument, plus interest.
(I) "Riders'' means all Riders to this Security Instrument that are executed by Borrower. The following Riders are to be
executed by Borrower [check box as applicable]:
D Adjustable Rate Rider
□ Balloon Rider
t8l 1-4 Family Rider
D Condominium Rider
D Planned Unit Development Rider
□ Other(s) [specify]
D Second Home Rider
□ Bh.veekly Payment Rider
(J) "Appiicabie Law" means aH controlling applicable federal, state and local statutes, regulations, ordinances and
administrative rules and orders (that have the effect of law) as well as all applicable final. non-appealabk judicial
opinions.
(K) "Community Association Dues, Fees, and Assessments" means all dues, fees. assessments and other charges that
are imposed on Borrower or the Property by a condominium association. homeowners association or similar organization.
(L) ''Electronic Funds Transfer" means any transfer of fonds, other than a transaction originated by check, drafL or
similar paper instrument. which is initiated through an electronic tem1inal. telephonic instrument. computer, or magnetic
tape so as to order, instruct, or authorize a financial institution to debit or credit an account. Such term includes, but is not
limited to, point-of-sale transfers, automated teller machine transactions, transfers initiated by telephone. wire transfers,
and automated clearinghouse transfers.
(f'vi) "Escrow Hems" means those items that are described in Section 3.
(N) "i\:Hscelfoneous Proceeds" means any compensation, settlement, award of damages, or proceeds paid by any third
party (other than insurance proceeds paid under the coverages described in Section 5) for: (i) damage to. or destruction of,
1he Property: (ii) condemnation or other taking of all or any part of the Property; (iii) conveyance in lieu of condemnation:
or (iv) misrepresentations of, or omissions as to, the value and/or condition of the Property.
(0) "i\:Iortgage fosurance11 means insurance protecting Lender against the nonpayment of. or default on, the Loan.
(P) 11 Pe1iodicPayment" means the regularly scheduled amount due for (i) principal and interest under the Note, plus (ii)
any amounts under Section 3 of this Security Instrument.
(Q) "RESP A" means the Real Estate Settlement Procedures Act (l 2 U.S.C. §2601 et seq.) and its implementing
regulation, Regulation X ( 12 C.F.R. Part I 024), as they might be amended from time to time, or any additional or
successor legislation or regulation that governs the same subject matter. As used in this Security Instrument, "RESP A"
refers to all requirements and restrictions that are imposed in regard to a It federally related mortgage loan" even if the
Loan does not qualify as a "federally related mortgage loan" under RESPA.
(R) "Successor in foterest of Borrower" means any party that has taken title to the Property. whether or not that party
has assumed Borrower's obligations under the Note and/or this Security Instrument.
TRANSFER OF RIGHTS IN THE PROPERTY
The beneficiary of this Security Instrument is MERS (solely as nominee for Lender and Lender's successors and assigns)
a!ld the successors and assigns of MERS. This Security Instrument secures to Lender: (i) the repayment of the Loan. and
all rene\.vals, ,extensions and modifications of the Note; and (ii) the performance of Borrower's covenants and agreements
under this Security Instrument and the Note. For this purpose, Borrower irrevocably grants and conveys to Trustee, in
trnsL with power of sale, the following described property located in the COUNTY of orange:
The land hereinafter referred to is situated in the City of Newport Beach, County
of Orange, State of California, and is described as follows:
The Northeasterly Rectangular 20 feet of Lot 12 and the Southwesterly 20 feet of
Form 3005 l ir) I
of 14 BANK OF AMERICA. N.A.
111111111111111111111111111111111111111111111111111111111111111111111111111111111111111111111111111111111
·2962747623616404000*
PA2021-040
Doc ID #: ,01:xxxxxxx7 62
Lot 14 in Block 237 of Corona Del Mar, in the City of Newport Beach, County of
Orange, State of California, as per map recorded in Book 3 Page(s) 41 and 42 of
Miscellaneous Maps, in the Office of the County Recorded of Orange County,
California.
Exhibit A APN: 052-101-06
which currently has the address of 310 Jasmine Ave, Corona Del Mar, CA 92625-3001 ("Property
Address11):
TOGETHER WITH all the improvements now or hereafter erected on the property, and all easements.
apptu1enances. and fixtures now or hereafter a pa1t of the property. A II replacements and additions shall also be covered
by this Security Instrument. All of the foregoing is referred to in this Security Instrument as the "Property." Bc1rrovver
understands and agrees that MERS holds only legal title to the interests granted by Borrower in this Security Instrument.
but_ if necessary to comply with law or custom, MERS (as nominee for Lender and Lender's successors and assigns) has
the right: to exercise any or all of those interests. including, but not limited to, the right to foreclose and sell the Property:
and to take any action required of Lender including, but not limited to, releasing and canceling this Security Instrument.
BORROWER COVENANTS that Borrower is lawfully seised of the estate hereby conveyed and has the right to
grant and convey the Property and that the. Property is unencumbered, except for encumbrances of record. B01-ro,ver
warrants and will defend generally the title to the Property against all claims and demands, subject to any encumbrances
of record.
THIS SECURITY INSTRUMENT combines unifom1 covenants for national use and non-uniform covenants
with limited variations by jurisdiction to constitute a uniform security instrument covering real property.
UNIFORM COVENANTS. Borrower and Lender covenant and agree as follows:
1. Payment of Principal, Interest~ Escrow Items, Prepayment Charges, and Late Charges. Borrower :shal I
pay when due the principal of, and interest on. the debt evidenced by the Note and any prepayment charges and late
charges due under the Note. Bo1Tower shall also pay funds for Escrow Items pursuant to Section 3. Payments due under
the Note and this Security Instrument shall be made in U.S. currency. However, if any check or other instrument received
by Lender as payment under the Note or this Security Instrument is returned to Lender unpaid, Lender may require that
any or all subsequent payments due under the Note and this Security Instrument be made in one or more of the following
forms, as selected by Lender: (a) cash~ (b) money order; ( c) certified check. bank check, treasurer's check or cashier's
check, provided any such check is drawn upon an institution whose deposits are insured by a federal agency,
instrumentality. or entity; or (d) Electronic Funds Transfer.
Payments arc deemed received by Lender ·w11cn received at the location designated in the Note or at such other
location as may be designated by Lender in accordance with the notice provisions in Section 15. Lender may return any
payment or partial payment if the payment or pat1ia! payments are insufficient to bring the Loan current. Lender may
accept any payment or partial payment insufficient to bring the Loan current. without waiver of any rights hereunder or
prejudice to its rights to refuse such payment or partial payments in the future, but Lender is not obligated to apply such
payments at the time such payments are accepted. Jf each Periodic Payment is applied as of its scheduled due date, then
Lender need not pay interest on unapplied funds. Lender may hold such unapplied funds until Borrower makes payment
to bring the Loan current. ff Borrower does not do so within a reasonable period of time, Lender shall either apply such
funds or return them to Borrower. If not applied earlier, such funds will be applied to the outstanding principal balance
under the Note immediately prior to foreclosure. No offaet or claim which Borrower might have now or in the future
against Lender shall relieve Borrower from making payments due under the Note and this Security Instrument or
performing the covenants and agreements secured by this Security Instrument.
2. Application of Payments or Proceeds. Except as otherwise described in this Section 2, all payments
CALIFORNU.--Single Family-Fannie Mae/Freddie Mac UNIFORM INSTRUMENT Form 3005 l !() I
CALIFORNIA DEED OF TRUST (SIDOT. CA )
fliill Page 3 of 14 BANK OF AMERICA. N.A 111~1~1111~1111~1111~~
*29627 4 7623616404000*
PA2021-040
Doc JD#: xxxxxxxxx762
accepted and applied by Lender shall be applied in the foIJowing order of priority: (a) interest due under the Note; (b)
principaf due under the Note; (c) amounts due under Section J. Such payments shall be applied to each Periodic Payment
in the order in which it became due. Any remaining amounts shall be applied first to late charges, second to any other
amounts due under this Security Instrument, and then to reduce the principal balance of the Note.
If Lender receives a payment from Borrower for a delinquent Periodic Payment which includes a sufficient
amount to pay any late charge due, the payment may be applied to the delinquent payment and the late charge. Jf more
than one Periodic Payment is outstanding, Lender may apply any payment received from Borrower to the repayrnent of
the Periodic Payments if, and to the extent that, each payment can be paid in full. To the extent that any excess exists after
the payment is applied to the full payment of one or more Periodic Payments. such excess may be applied to any fate
charges due. Voluntary prepayments shall be applied first to any prepayment charges and then as described in the Note.
Any application of payments, insurance proceeds. or Miscellaneous Proceeds to principal due under the Note
shall not extend or postpone the due date, or change the amount, ofrhe Periodic Payments.
3. Funds for Escrow Items. Borrower sh ail pay to Lender on the day Periodic Payments are due under the Note,
until the Note is paid in full, a sum (the "Funds") to provide for payment of amounts due for: (a) taxes and assessments
and othei items v.,rhich can attain priority over this Security Instrument as a lien or encumbrance on the Property~ (b)
leasehold payments or ground rents on the Property, if any; {c) premiums for any and aIJ insurance required by Lender
under Section 5; and (d) Mortgage Insurance premiums_. if any, or any sums payable by Borrower to Lender in lieu of the
payment of Mortgage Insurance premiums in accordance with the provisions of Section J 0. These items are called
"Escrow Items." At origination or at any time during the term of the Loan~ Lender may require that Community
Association Dues, Fees, and Assessments, if any, be escrowed by Borrower, and such dues, fees and assessments shaJI be
an Escrow Item. Borro\Ver shall promptly fumish to Lender all notices of amounts to be paid under this Section. B01wwer
shall pay Lender the Funds for Escrow Items unless Lender waives Borrower's obligation to pay the Funds for any or aJI
Escrow Items. Lender may waive Borrower's obligation to pay to Lender Funds for any or all Escrow Items at any time.
A.ny such waiver may only be in writing. In the event of such waiver, Borrower shall pay directly, when and where
payable, the amounts due for any Escrow Items for which payment of Funds has been waived by Lender and, if Lender
requires, shafl fomish to Lender receipts evidencing such payment within such time period as Lender may require.
Borrower's obfigmion to make such payments and to provide receipts shall for all purposes be deemed to be a covenant
and agreement contained in this Security Instrument, as the phrase "covenant and agreement" is used in Section 9. If
Bonower is obligated to pay Escrow Items directly, pursuant to a waiver, and Borrower fails to pay the amount due for an
Escrow Ttem, Lender may exercise its rights under Section 9 and pay such amount and Bort·ower shall then be obligated
under Section 9 to repay to Lender any such amount. Lender may revoke the waiver as to any or all Escrow Items at any
time by a notice given in accordance with Section 15 and, upon such revocation, Borrower shaIJ pay to Lender all Funds.
and in such arn.ounts, that are then required under this Section 3.
Lender may, at any time, collect and hold Funds in an amount (a) sufficient to permit Lender to apply the Funds
at the time specified under RESPA, and (b) not to ~xceed the maximum amount a lender can require under RESPA.
Lender shall est:rnate the amount of Funds due on the basis of cun-ent darn and reasonable estimates of expenditures of
future Escrow Ht:1ns or othervvise in accordance with Applicable Law.
The Furds shall be held in an institution whose deposits are insured by a federai agency. instrumentality, or
e::-:tity (including Lender, if Lender is an institution whose deposits are so insured) or in any Federal Home Loan Bank,
Lender shall a.ppiy the Funds to pay the Escrow Items no later than the time specified under RESPA. Lender shall not
charge Bo(roWei· for holding and applying the Funds, annually analyzing the escrow account, or verifying the Escrow
ftc:rns, unless I...-cnder pays Borrower interest on the Funds and Applicable Law permits Lender to make such a charge.
Unless an ag,·eer:·,ent is made in writing or Applicable Law requires interest to be paid on the Funds, Lender shall not be
required to pay Borrower any interest or earnings on the Funds. Borrower and Lender can agree jn writing, however, that
htc:rest shall be p2.id on the Funds, Lender shall give to Borrower~ without charge~ an annual accounting of the Funds as
required by RES-PA.
If thete is a surplus of Funds held in escrow, as defiued under RESPA, Lender shall account to Borrower for ~he
excess fun::ls in 2:~·.cordance with F..ESPA. If there is a shortage of Funds held in escro\v, as defined under RESPA. Lender
I I
Form 3005 1/01
Page 4 of 14 BANK OF AMERICA. N.A.
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PA2021-040
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shall notify Borrower as required by RESPA1 and Bon·o·.ver shall pay to Lender the ammmt necessary to mnke up the
shortage in accordance with RESPA, but in no more than 12 monthly payments. If there is a deficiency of Funds l·,dd in
escrow, as defi11ed under RESPA, Lender shall notify Borrower as required by RESPA, and Borrov,er shall pay to Lender
the amount necessary to make up the deficiency in accordance with RESPA, but in no more than 12 monthly payments.
Upon payment in full of all sums secured by this Security Instrument, Lender shall promptly refond to Bmrower
any Funds held by Lender.
4. Charges; Uens. Borrower shall pay all taxes, assessments, charges, fines, and impositions attributable to the
Property which can attain priority over this Security Instrument, leasehold payments or ground rems on the Property, if
any. and Community Association Dues, Fees, and Assessments, if any. To the extent that these items are Escrow Items.
Borrower shall pay them in the manner provided in Section 3.
Borrower shall promptly discharge any lien which has priority over this Security Instrument unless Borrov,·s::r: {a)
agrees in writing to the payment of the obligation secured by the lien in a manner acceptable to Lender, but only so long
as Borrower is performing such agreement; (b) contests the lien in good faith by, or defends against enforcement of the
lien in~ legal proceedings which in Lender's opinion operate to prevent the enforcement of the li~n vvhile those
proceedings are pending. but only until such proceedings are concluded; or (c) secures from the holder of the lien an
agreement satisfactory to Lender subordinating the lien to this Security Instrument. If Lender determines that 2.ny part of
the Property is subject to a lien which can attain priority over this Security Instrument, Lenckr may give Bon·Gwer a
notice identifying the lien. Within 10 days of the date on which that notice is given~ Bon-ower shall satisty the lien or take
one or more of the actions set forth above in this Section 4.
Lender may require Borrower to pay a one-time charge for a real estate tax verification and/or reporting service
used by Lender in connection with this Loan.
5. Prope»-ty Insurance. Borrower shall keep the improvements now existing or hereafter erected on the Property
insured against loss by fire. hazards incl~ded within the term ''extended coverage," and any other hazards including. but
not limited to. earthquakes and floods. for which Lender requires insurance. This insurance shall be maintained in the
amounts tincluding deductible levels) arid for the periods that Lender requires. What Lender requires pursuant to the
preceding sentences can change during the term of the Loan. The insurance carrier providing the insurance shall be
chosen by Borrower subject to Lender's right to disapprove Borrower's choice, which right shall not be exercised
unreasonably. Lender may require Borrower to pay. in connection with this Loan, either: (a) a o.1e-1ime charge for flood
zone determination, certification and tracking services; or (b) a one-time charge for flood zone determination and
certification services and subsequent charges eacl1 time remappings or similar changes occur which reasonably might
affect such determination or certification. Borrower shall also be responsible for the payment of any fees imposed by the
Federal Emergency Management Agency in connection with the review of any flood zone determinz.tion resulting from an
objection by B01Tower.
lf Borrower fails to maintain any of the covtrages described above, Lender may obtain insurance coverage, at
Lender's option and Borrower's expense. Lender is under 110 obligation to purchase any particular type or amotint of
coverage. Therefore~ such coverage shall cover Lender) but might or might not protect Borrower, Borrower's equity in th~
Property, or the contents of the Property. against any risk, hazard or liability and might provide greater or lesser coverage
than was previously in effect. Borrower acknowledges that the cost of the insurance coverage so obtained might
significantly exceed the cost of insurance that Borrower could have obtained. Any amounts disbursed by Lender under
this Section 5 shall become additional debi of Borrower secured by this Security Instrument. These amounts shall bear
interest at the Note rate from the date of disbursement and shall be payable~ with such interest. upon notice from Lender
to Borrower requesting payment
All insurance policies required by Lender and renewals of such policies shall be subject to Lender's right to
disapprove such policies .. shall include a standard mmtgage clause, and shall name Lender as mot1gagee and/or as an
additional loss payee and Borrower further agrees to generally assign rights to insurance proceeds to the holder .-:,f the
Note up to the amount of the outstanding loa11 balance. Lender shall have the right to hold the policies and renewal
certificates. If Lender requires. Bon-ower shall protnptly give to Lender all receipts of paid premiums and renew~! notices.
lf Borrower obtains any fotm ofinsurance coverage, not otherwise required by Lender, for damage to, or destruction of:
CALIFORNIA-Single Family-Fannie Mae/Frtdtlie Mac l.f~IFORM INSTRUMENT Form 3005 1/01
CALIFORNIA DEED OF TRUST (SIDOT. CA ) .
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the Property, such policy shall include a standard mortgage clause and shall name Lender as mortgagee and/or as an
additional loss payee and Borrower further agrees to generally assign rights to insurance proceeds to the holder of the:
Note up to the amount of the outstanding loan balance.
In the event of loss, Bon·ower shall give prompt notice to the insurance carrier and Lender. Lender may make
proof of loss if not made promptly by Borrower. Unless Lender and Borrower otherwise agree in writing. any insurance
proceeds. whether or not the underlying insurance was required by Lender, shall be applied to restoration or repair of the
Property, if the restoration or repair is economically feasible and Lender's security is not lessened. During such repair and
restoration period, Lender shall have the right to hold such insurance proceeds until Lender has had an opportunity to
inspect such Property to ensure the work has been completed to Len.der's satisfaction, provided that such inspection shall
be undertaken promptly. Lender may disburse proceeds for the repairs and restoration in a single payment or in a series of
progress payments as the work is completed. UnJess an agreement is made in writing or Applicable Law requires interest
to be paid on such insurance proceeds. Lender shall not be required to pay Borrower any interest or earnings on such
proceeds. Fees for public adjusters, or other third parties, retained by Borrower shall not be paid out of the insurance
tJroceeds and shall be the sole obligation ofBon·ower. If the restoration or repair is not economically feasible or Lender's
security would be lessened. the insurance proceeds shall be applied to the sums secured by this Security Instrument.
whether or not then due. with the excess, if any, paid to B01Tower. Such insurance proceeds shall be applied in the order
provided for in Section 2.
If Borrower abandons the Property, Lender may file, negotiate and sett]e any available insurance claim and
related matters. ff Borrower does not respond within 30 days to a notice from Lender that the insurance carrier has offered
to settle a claim, then Lender may negotiate and settle the claim. The 30-day period wiH begin when the notice is given. Jn
either event, or if Lender acquires the Property under Section 22 or otherwise, Borrower hereby assigns to Lender (a)
Borrower's rights to any insurance proceeds i11 an amount not to exceed the amounts unpaid under the Note or this
Security Instrument, and (b) any other ofBorrovver's rights (other than the right to any refund of unearned premiums paid
by Borrower) under all insurance po1icies covering the Property, insofar as such rights are applicable to the coverage of
the Property. Lender may use the insurance proceeds either to repair or restore the Property or to pay amounts unpaid
under the Note or this Security Instrument. whether or not then due.
6. Occv.pancy. Borrower shall occupy, establish, and use the Property as Borrower's principal residence within
60 days after the execution of this Security Instrument and shall continue to occupy the Property as Borrower's principal
residence for at kast one year after the date of occupancy. unless Lender otherwise agrees in writing, which consent shall
not be unreason2.bly withheld, or unless extenuating circumstances exist which are beyond Borrower's control.
7. Preservation, Maintes,rnnce and Protection of the Property; Inspections. Borrower shall not destroy.
damage or impair the Property. allow the Property to deteriorate or commit waste on the Property. Whether or not
Borrower is residing in the Property. Borrower shall maintain the Property in order to prevent the Property from
detf:riorating or decreasing in value due to its condition. Unlt=:ss it is determined pursuant to Section 5 that repair or
restoration is not economically feasible. Borrower shall promptly repair the Property if damaged to avoid further
deterioration or damage. If insurance or condemnation proceeds are paid in connection with damage to, or the Laking or:
the Property, Borrower shall be responsible for repairing or restoring the Property only if Lender has released proceeds
for such purposes. Lender may disburse proceeds for the repairs and restoration in a single payment or in a series of
progress payments as the work is completed. If the insurance or condemnation proceeds are not sufficient to repair or
restore the Proper~y, Borrower is not relieved of Borrower's obligation for the completion of such repair or restoration.
Lender er its agent may make reasonable entries upon and inspections of the Property. Tf it has reasonahl~ cause.
Lender may inspect the! interior of the improvements on the Property. Lender shall give Borrower notice at the titne of or
prior to such an i:lrerior inspection specifying such reasonable cause.
B. Bo1·.-0~veir's Loan Applfoation. Borrower shall be in default if, during th~ Loan application process. Bormwer
or ~ny persons or entities acting at the direction ofBmrower or with Borrower's knowledge or consent gave materially
false. mislea.diag, or inaccurate information or statements to Lender (or failed to provide Lender with material
information) in connection with the Loan. Material representations include. but are not limited to, representations
concerning Bo:-ro·Nds occupancy of the Property as Borrower's principal residence.
Form 3005 liO I
Page 6 of 14 BANK OF AMERlCA. NA. 101111~~1111111~~~1~11 ·2962747623616404000·
PA2021-040
9. Protection of Lender's hmwest in the .Property and Rights Under this Seeatity hr.stn.uncnt. If (a)
Borrower fails to perform the covenants and agreements contained in this Security Instrument, (b) there is a legal
proceeding that might significantly affect Lender's interest in the Property and/or rights under this Security· Instrument
(such as a proceeding in bankruptcy, probate, for condemn'1.tion or forfeiture, for enforcement of a lien which may attain
priority over this Security Instrument or to enforce laws or regulations)~ or (c) Bo1wwer has abandoned the Property, then
Lender may do and pay for whatever is reasonable or appropriate to protect Lender's interest iri the Prop1::1ty and rights
under this Security Instrument, including protecting and/or assessing the value of the Property, and securing and/or
repairing the Property. Lender's actions can include, but are not limited to: (a) paying any sums secured by a iien v:hich
has priority over this Security Instrument: (b) appearing in c9urt; and (c) paying reasonable attorneys' fees to protect its
interest in the Propetty and/or rights under this Security Instrument, including its secured position in a bankruptcy
proceeding. Securing the Property includes, but is not limited to. entering the Property to make repairs. change locks,
replace or board up doors and windows, drain water from pipes, eliminate building or other code violations or dangerous
conditions, and have utilities turned on or off Although Lender may take action under this Section 9, Lender does not
have to do so and is not under any duty or obligation to do so. It is agreed that Lender incurs no liability for not taking any
or all actions authorized under this Section 9.
Any amounts disbursed by Lender under this Section 9 shall become additional debt of Borrower secured by this
Security Instrument. These amounts shall bear interest at the Note rate from the date of disbursement z.nd shall be
payable, with such interest. upon notice from Lender to Boll'ower requesting payment.
If this Security Instrument is on a leasehold, Borrovver shall comply with all the provisions of th1:. lease. ?f
Borrower acquires fee title to the Prnperty~ the leasehold and the fee title shall not merge unless Lender agrees to the
merger in writing.
10. Mortgage Insurance. If Lender required Mortgage Insurance as a condition of making the Loan, Borro;.ver
shall pay the premiums required to maintain the Mortgage Insurance in effect. If, for any reason, the Mortgage Insurance
coverage required by Lender ceases to be available from the mortgage insurer that previousiy provided such insurance
and Borrower was required to make separately designated payments toward the premiums for Mottgage Insurance,
Borrower shall pay the-premiums required to obtain cov~erage substantially equivalent to the Mortgage Insurance
previously in effect, at a cost substantially equivalent to the cost to Borrower of the Mortgage Insurance previously in
effect, from an alternate mortgage insurer selected by Lend¢r. If substantially equivalent Mortgage Insurance coverage is
not available, B01rnwer shall continue to pay to Lender the .. amount of the separately designated payments that were due
when the insurance coverage ceased to be in effect. Lender will accept, use and retain these payments as a non-refundable
loss reserve in lieu of Mortgage Insurance. Such loss reserve shall be non-refundable, notwithstanding the fact that the
Loan is ultimately paid in full. and Lender shall not be req:uired to pay BoITower any interest or earnings on such loss
reserve. Lender can no longer require loss reserve payment~ if Mortgage Insurance coverage (in the amount and for the
period that Lender requires) provided by an insurer selected! by Lender again becomes available, is obtained, and Lcndel'
requires separately designated payments toward the premfoms for Mortgage Insurance. If Lender required l\fortgage
lusurance as a condition of making the Loan and Borrower 'yVas required to make separately designated payments toward
the premiutns for Mortgage Insurance, Borrower shall pay! the premiums required to maintain Mortgage Insurance in
effect, or to provide a non-refundable loss rese:-ve. until Lender's requirement for l\fortgage Insurance ends in accordance
with any written agreement between Bon·ower and Lender providing for such te1111ination or until termination is required
by Applicable Law. Nothing in this Section t O affects Bor~ower's obligation to pay interest at the rate provided in the
Note. ,
Mortgage Insurance reimburses Lender (or any emhy that purchases the Note) for ce1tain losses it may incur if
Borrower does not repay the Loan as agreed. Borrower is noi a party to the 'tvfortgage Insurance. '
Mortgage insurers evaluate their total risk on all s~ch insurance in force from time to time, and may enter into
agreements with other parties that share or modify their fisk,. 01· reduce losses. These agreements are on terms ai1d
con'ditions that are satisfactory to the mortgage insurer a,,d the other party (or parties) to these agreemr:nts. These
agreements may require the mortgage insurer to make paymFnts using any source of funds that the mortgage insurer may
have available (which may include funds obtained from Mortgage Insurance premiums).
CALIFORNIA--Singk Family-Fannie Mat/Freddie J\.fac ilNlFORM l~STRUMENT Fonn 3005 I /0, I
CAL·IFO:RNIA DEED OF TRUST (SIDOT .CA )
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As a result of these agreements, Let1der. any purchaser of the Note, another insurer~ any reinsurer, any other
entity, or any affiliate of any of the foregoing, may receive (directly or indirectly) amounts that derive from (or might be
characterized as) a portion of Borrower's payments for Mortgage Insurance, in exchange for sharing or modifying the
mortgage insurer's risk, or reducing losses. If such agreement provides that an affiliate of Lender takes a share of the
insurer's risk in exchange for a share of the premiums paid to the insurer. the arrangement is often termed "captive
reinsurance." Fmther:
(a) Any such agreements will not affect the amounts that Borrower has ag1·eed to pay for Mortgage
fosm·ance, or any other terms of the Loan. Such agreements will not increase the amount Borrower will owe for
Mortgrige fosl:'lt:1tr1Jce, and they wm not entitle Borrower to any refund.
(b) Any such agreements will not affect the rights Borrower has -if any -with respect to the Mortgage
11:nsur~mce umier the Homeowners Protection Act of 1998 or any other law. These rights may include the right to
ireceive ce:rtair.i disclosures, to request and obtain cancellation of the Mortgage Insurance, to have the Mortgage
Insurance tennfin:ated automatically, and/or to receive a refund of any Mortgage Insurance premiums that were
unearned at the~ tr.me of such canceHation or termination.
lI L Assignment of Miscellaneous Proceeds; Forfe.uture. All Miscellaneous Proceeds are hereby assigned to
and shall be paid to Lender.
If the Property is damaged, such Miscellaneous Proceeds shall be applied to restoration or repair of the Property,
if the restoration or repair is economically feasible and Lender's security is not lessened. During such repair and
restoration period, Lender shall have the right to hold such Miscellaneous Proceeds until Lender has had an opportunity to
inspect such Prcpcrty to ensure the work has been completed to Lender's satisfaction, provided that such inspection shaJI
be undertaken p:-ornptly. Lender may pay for the repairs and restoration in a single disbursement or in a series of progress
pay1nents as the 'Work is completed. Unless an agreement is made in writing or Applicable Law requires interest to be paid
on such Miscel',meous Proceeds, Lender shall not be required to pay Borrower any interest or earnings on such
Miscd!aneous Proceeds. If the restoration or repair is not economically feasible or Lender's security would be lessened.
the fv1iscelfameous Proceeds shall be applied to the sums secured by this Security Instrument. whether or not then due.
vvith the excess, if any, paid to Borrower. Such Miscellaneous Proceeds shall be applied in the order provided for in
Section 2.
In the event of a total taking, destruction, or loss in value of the Property~ the l\·fiscellaneous Proceeds shall be
applied to the SJ.ms secured by th.is Security Instrument, whether or not then due, with the excess. if any. paid t9
BoErnwer. ,,
In the ~vent of a partial taking, destruction, or loss in value of the Property in which the fair market value of th¢
FroperLy ir,m~cdi2.tdy before the partial taking, destruction, or loss in value is equal to or greater than the amount of the
suras s.;cured by this Security Instrument immediately before the partial taking. destruction, or loss in value, unles.s
Borrower and L•;;:~der otherwise agree in writing. the sums secured by this Security Instrument shall be reduced by th?
nrnount of the f'/iscellaneous Proceeds multiplied by the following fraction: (a) the total amount of the sums secured
immediately before the partial taking, destruction. or loss in value divided by (b) the fair market value of the Properly
immediately before the partial taking, destruction. or loss in value. Aay balance shall be paid to Bon-ower. '
In the event of a pattial taking, destruction, or loss in value of the Property in which the fair market value of the
Property lmrne<liately before the partial taking, destruction. or loss in value is less than the amount of the sums secured
immediately b . .5fore the partial taking, destruction, or loss in value, unless Borrower and Lender otherwise agreein
writing, the Miscellaneous Proceeds shall be applied to the sums secured by this Security Instrument whether or not the
sums are then clue.
ff the Property is abandoned by Borrower, or if, after notice by Lender to Borrower that the Opposing Party (a~
defined in the next sentence) offers to make an award to settle a claim for damages, Borrower fails to respond to Lender
within 30 days after the date the notice is given, Lender is authorized to collect and apply the Miscellaneous Proceeds
either to restoration or repair of the Property or to the sums secured by this Security Instrument, whether or not then due.
"Opposing Party" means the third party that owes Borrower Miscellaneous Proceeds or the party against whom Borrower
has a right of action in regard to Miscellaneous Proceeds.
CALIFORNIA--Single Family-Fannie l\:lae/Fredtlie Mac UNIFORM INSTRUMENT Form 3005 l/0 I
CALIFOBNIA DEED OF TRUST (SIDOT.CA ) 1.50 (05/17)
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Borrower shall be in default if any action or proceeding, whether civil or criminal. is begun that, in Lender's
judgment. could result in forfeiture of the Property or other material impairment of Lender's interest in the Property or
rights under this Security Instrument. Borrower can cure such a default and, if acceleration has occurred, reinstate as
provided in Section 19, by causing the action or proceeding to be dismissed with a ruling that~ in Lender's judgnient.
precludes forfeiture of the Property or other material impairment of Lender's interest in the Property or rights under this
Security Instrument. The proceeds of any award or claim for damages that are attributable to the impairment of Lender's
interest in the Property are hereby assigned and shall be paid to Lender.
All Miscellaneous Proceeds that are not applied to restoration or repair of the Propeity shall be applied in the
order provided for in Section 2.
12. Borrower Not Released; Forbearance By Lender Not a Waiver. Extension of the time for payment or
modification of amortization of the sums secured by this Security Instrument granted by Lender to Borrower or any
Successor in Interest of Borrower shall not operate to release the liability of Borrower or any Successors in Interest of
Bo1Tower. Lender shall not be required to commence proceedings against any Successor in Interest of Borrower or to
r:efuse to extend time for payment or otherwise modify amortization of the sums secured by this Security Instrument by
reason of any demand made by the original Borl'Ower or any Successors in Interest of Borrmver. /\ny forbearance by
Lender in exercising any right or remedy including~ without limitation, Lender's acceptance of payments from third
persons. entities or Successors in fnterest of Borrower or in amounts less than the amount then due. shall not be a waiver
of or preclude the exercise of any right or remedy.
13. Joint and Several Liability; Co-signers; Successors and As~igns Bound. B01Tower covenants and agrees
that Borrower's obligations and liability shall be joint and several. However~ any Borrower '\.Vho co~signs this Security
Instrument but does not execute the Note (a 11co-signer"): (a) is co-signing this Security Instrument only to mortgage,
grant and convey the co-signer's interest in the Property under the terms of this Security Instrument; (b) is not personally
obligated to pay the sums secured by this Security Instrument; and (c) agrees that Lender and any otber Borrower can
agree to extend, modify, forbear or make any accommodations with regard to the terms of this Securil-y Instrument or the
Note without the co-signer's consent.
Subject to the provisions of Section 18, any Successor in Interest of Borrower \.Vho assumes Botrower's
obligations under this Security Instrument in writing, and is approved by Lender, shall obtain all ofB01Tower's rights and
benefits under this Security Instrument. BotTower shall not be released from Borrower's obligations and liability under
this Security Instrument unless Lender agrees to such release in writing. The covenants and agreements of this Security
Instrument shall bind (except as provided in Section 20) and benefit the successors and assigns of Lender.
14. Loan Chat·ges. Lender may charge Borrower fees for services performed in connection with Borrower's
default, for the purpose of protecting Lender's interest in the Property and rights under this Security Instrument, including.
but not limited to, attorneys' fees, property inspection and valuation fees. In regard to any other fees, the absence of
express authority in this Security Instrument to charge a specific fee to Borrower shall not be construed as a prohibition
on the charging of such fee. Lender may not charge fees that are expressly prohibited by this Security Instrument or by
Applicable Law.
If the Loan is subject to a law which sets maximum loan charges, and that Jaw is finally interpreted so that the
interest or other loan charges collected or to be collected in connection with the Loan exceed the pennitted limits, then:
(a)any such loan charge shal1 be reduced by the amount necessary to reduce the charge to the permitted limit; and (b) any
sums already collected from Borrower which exceeded pem1itted limits will be refunded to Borrower. Lender may choose
to make this refund by reducing the principal owed under the Note or by making a direct payment to Bon-ower. If a refund
reduces principal. the reduction will be treated as a partial prepaymentwithout any prepayment charge (whether or not a
prepayment charge is provided for under the Note). Bo1TOw~r's acceptance of any such refund made by direct payment to
Botrower will constitute a waiver of any right of action ];lorrower tnight have arising out of such overcharge.
15. Notices. All 11:otices given by Borrower of, Lender in connection with this Security Instrument must be in
writing. Any notice to Borrower in connection with this Security Instrument shall be deemed to have been given to
Borrower when mailed by first class mail or when actu~lly delivered to Borrower's notice address if sent by other means.
Not.ice to any one Borrower shall constitute notice to all Borrowers unless Applicable Law expressly requires otherwise.
CALIFORNIA--Single Family-Fannie Mae/Freddie Mac UNIFOH;M INSTRUMENT
CALlFOBNIA DEED OF 'l'B.U$T (SIDOT.CA) .
Form 3005 1/0l f 11111 r 9
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The notice address shall be the Property Address unless Borrower has designated a substitute notice address by notice to
Lender. Borrower shall promptly notify Lender of B01TOwer's change of address. If Lender specifies a procedure for
reporting Borrower's change of address, then Borrower shall only report a change of address through that specified
procedure. There may be only one designated notice address under this Security Instmment at any one time. Any notice to
Lender shall be given by delivering it or by mailing it by first class mail to Lender's address stated herein unless Lender
has designated another address by notice to B01TOwer. Any notice in connection with tbis Security Instrument shall not be
deemed to have been given to Lender until actually received by Lender. If any notice required by this Security Instrument
is also required under Applicable Law, the Applicable Law requirement will satisfy the corresponding requirement under
this Security Instrument.
16. Go-vien·ning Law; Severability; Rules of Construction. This Security Instrument shall be governed by
federal law and the law of the jurisdiction in which the Property is located. All rights and obligations contained in this
Security Instrument are subject to any requirements and limitations of Applicable Law. Applicable Law might explicitly
or implicitly a!lo\v the parties to agree by contract or it might be silent, but such silence shall not be construed as a
prohibition against agreement by contract. In the event that any provision or clause of this Security Instrument or the Note
conflicts with Applicable Law. such conflict shall not affect other provisions of this Security Instrument or the Note
which can be given effect without the conflicting provision.
As used in this Security Instrument: (a) words of the masculine gender shall mean and include corresponding
;:eute.r words or \Vords of the feminine gender; (b) ·words in the singular sha11 mean and include the plural and vice versa;
and (c) the \Vorc1 "may" gives sole discretion without any obligation to take any action.
] 7. Em-rower's Copy. Borrower shall be given one copy of the Note and of this Security Instrument.
18. Tn1.1sfer ofthe Properly or a Beneficial Interest in Borrower. As used in this Section 18, "Interest in the
Property" me.:;.ns any legal or beneficial interest in the Property. including, but not limited to, those beneficial interests
transfotTcd in r.. bond for deed, conn·act for deed, instaHment sales contract or escrow agreement, the intent of which is the
-ctansfer of frck by Bo1TOwer at a future date to a purchaser.
If all or any part of the Property or any Interest in the Prope1iy is sold or transferred (or if Borrower is not a
natural person 2;.n.d a beneficial interest in Borrower is sold or transferred) without Lender's prior written consent, Lender
rnay require imrnediate payment in full of all sums secured by this Security Instrument. However, this option shall not be
,exercised by Le-rider if ~uch exercise is prohibited by Applicable Law.
If Lemiec exercises this op·l:ion~ Lender shall give Borrower notice of acceleration. The notice shall provide a
pei·iod of not °:c;ss than 30 days from the date the notice is given in accordance with Section 15 within which Borrower
must pay an sEcts secured by this Security Instrument. If Borrower fails to pay these sums prior to the expiration of this
period, Lender may invoke any remedies permitted by this Security Instrurnent without further notice or demand on
Borro\ver.
19. :3oa·.rowerts Right to Reinstate After Acceleration. If Borrower meets certain conditions, Borrower shall
have the right to have enforcement of this Security Instrument discontinued at any time prior to the earliest of: (a) five
days before sale of the Property pursuant to any power of sale contained in this Security Instrument; (b) such other period
as Applicable Law might specify for the tem1ination of Borrower's right to reinstate; or {c) entry of a judgment enforcing
this Security Instrument. Those conditions are that Bon-ower: (a) pays Lender all sums which then would be due under
this Security Instrument and the Note as if no acceleration had occurred; (b) cures any default of any other covenants or
agreements: (c) pays aJI expenses incurred in enforcing this Security Instrument. including, but not limited to, reasonable
attorneys' fees, property inspection and valuation foes, and other foes incurred for the purpose of protecting Lender's
interest in the Property and rights under this Security Instrument and (d) takes such action as Lender may reasonably
require to assure that Lender's interest in the Property and rights under this Security Instrument, and B01TOwer1s obligation
to pay the sums secured by this Security Instrument, shall continue unchanged. Lender may require that Bo1TOwer pa)'
such reinstatement sums and expenses in one or more of the following forms, as selected by Lender: (a) cash; (b) money
order: (c) certified check, bank check, treasurer's check or cashier's check, provided any such check is drawn upon an
institution whose deposits are insured by a federal agency, instrumentality or entity; or (d) Electronic Funds Transfer.
Upon reinstatement by Borrower, this Security Instrument and obligations secured hereby shall remain fully effective <1S if
CALffORN!A--Singlc Family-Fannie ~fal:'/Freddie Mar UNIFORM INSTRUMENT Form 3005 Ji(JI
CI>..LIFORNIA DEED OF TRUST (SIDOT .CA )
1312.50.(05/17) 1· 1
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I
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*2962747623616404000* .
PA2021-040
Doc TD#: xxxxxxxxx762
no acceleration had occu1red. However, this right to reinstate shall not apply in the case of acceleration under Sec Lion I 8.
20. Sale of Note; Change of Loan Servicer; Notice of Grievance. The Note or a partial interest in the Note
(together with this Security Instrument) can be sold one or more times without prior notice to Borrower. A sale might
result in a change in the entity (known as the "Loan Servicer") that collects Periodic Payments due under the Note and this
Security Instrument and perfom1s other mortgage loan servicing obligations under the Note. this Security Instrument, and
Applicable Law. There also might be one or more changes of the Loan Servicer unrelated to a sale of the Note. If there is
a change of the Loan Servicer, Borrower wilJ be given written notice of the change which ,vill state the name and address
of the new Loan Servicer, the address to which payments should be made and any other information RES PA requires in
connection with a notice of transfer of se1vicing. ff the Note is sold and thereafter the Loan is serviced by a Loan Servicer
other than the purchaser of the Note, the mortgage loan servicing obligations to Borrower will remain v,ith the Loan
Servicer or be transferred to a successor Loan Servicer and are not assumed by the Note purchaser unless otherwise
provided by the Note purchaser.
Neither Borrower nor Lender may commence, join, or be joined to any judicial action {as either an individual
litigant or the member of a class) that arises from the other party's actions pursuant to this Securiry instrument or that
alleges that the other party has breached any provision ot: or any duty owed by reason of, this Security Instrument, until
such Borrower or Lender has notified the other party (with such notice given in compliance v:ith the requirernents of
Section 15) of such alleged breach and afforded the other party hereto a reasonable period after the giving cif such notice
to take corrective action. If Applicable Law provides a time period which must elapse before cenz.in action can be taken,
that time period will be deemed to be reasonable for purposes of this paragraph. The notice of acceleration and
opportunity to cure given to BotTower pursuant to Section 22 and the notice of acceleration given to Borrower prn-sua,1t to
Section 18 shall be deemed to satisfy the notice and opportunity to take corrective action provisions of this Section 20.
21. Hazardous Substances. As used in this Section 21: (a) 11Hazardous Substances'' are those substances defined
as toxic or hazardous substances, pollutants, or wastes by Environmental Law and the following substances: gasoline,
kerosene, other flammable or toxic petroleum products, toxic pesticides and herbicides~ volatile solvents. materials
containing asbestos or formaldehyde, and radioactive materials; (b) "Environmental Law" means federal laws and laws of
the jurisdiction where the Property is located that relate to health, safety or environmental protection; (c) ''Environmental
Cleanup" includes any response action, remedial action, or removal action, as defined in Environmental Law: and (d) an
"Environmental Condition" means a condition that can cause. contribute to, or otherwise trigger an Environmental
Cleanup.
Borrower shall not cause or pennit the presence, use, disposal. storage, or release of any Hazardous Substanc~s.
or threaten to release any Hazardous Substances, on or in the Property. Borrower shall not do, nor allow anvonc else to
do. anything affecting the Property (a) that is in violation of any Environmental Law. (h) which creates an En~·ironmental
Condition. or (c) which. due to the presence, use. or release of a Hazardous Substance. creates a condition that adversely
affects the value of the .Property. The preceding two sentences shall not apply to the presence, use, or storage on the
Property of small quantities of Hazardous Substances that are generally recognized to be appropriate to nonnal residential
uses and to maintenance of the Property (including, but not limited to~ hazardous substances in consumer products).
Borrower shall promptly give Lender written notice of (a) any investigation, claim, demand, la'\.vsuit or other
action by any govemmental or regulatory agency or private party involving the Property and any Hazardous Substance or
Environmenta] Law of which Borrower has actual knowledge, (b) any Environmental Condition. including but not limited
to, any spiIJing, leaking, discharge. release or threat of release of any Hazardous Substance, and ( c) any condition caused
by the presence~ use or release of a Hazardous Substance which adversely affects the value of the Property. Tf Borrower
learns, or is notified by any governmental or regulatory authority, or any private party~ that any removal or other
remediation of any Hazardous Substance affecting the Propetty is necessary, Borrower shall promptly take all necessary
remedial actions in accordance with Environmental Law. Nothing herein shall create any obligation on Lender for an
Environmental Cleanup.
NON-UNIFOR1'..1 COVENANTS. Borrower and Lender further covenant and agree as follows:
22. Acceleration; Remedies. Lender shall give notice to Borrower prior to accr..,lenition foHowing
Borrower's breach of any covenant or agreement in this Security Instrument (but not prior to acceleration under
CALIFORNU.--Sing.lc Family-Fannie Mac/Freddie Mac UNIFORM INSTRUMENT Form 3005 1 /0 J
CAL:IFORNIA DEED OF TRUST (SIDOT. CA )
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Section 18 unless Applicable Law pro\1ides otherwise). Tbe notice shall specify: (a) the default; (b) the action
1·equired to cure the default; (c) a date, not less than 30 days from the date the notice is given to Borrower. by
which tl1e default must be cured; and (d) that failure to cure the default on or before the date specified in the
notice may result in acceleration of the sums secured by this Secl}rity Instrument and sale of the Property. The
notice shall further inform Borrower of tile right to reinstate after acceleration and the right to bring a court
action to assert the non-existence of a default or any other defe~se of Borrower to acceleration and sale. If the
default is not culred on or before the date specified in the notice, Lender at its option may require immediate
payment in fuH of all sums secured by this Security lnstl·ument without further demand and may invoke the power
of sale and ~my other remedies permitted by Applicable Law~ Lender shall be entitled to collect all expenses
incun-ed in pursuing the remedies provided in this Section 22, including, but not limited to, reasonable attomeys'
fees and eosts of title evidence.
Jr Lender invol,es the power of sale, Lender shall execute or cause Trustee to execute a written notice of
O:ce occurrem:e of an event of default and of Lender's election to cause the Property to be sold. Trustee shall cause
ttis notice to be recorded in each county in which any part of the J>roperty is located. Lender or Tmstee shall maiJ
copks of the irwtke as prescribed by Applicable Law to Borrowe!l" and to the other peu·sons pl'escribed by
App!kabk Lrrw. Tmstee shall give public notice of sale to the persons and in the marrnier prescribed by Applicable
'Law. After the !ime required by Applicable Law~ Trustee, without demand on Borrower, shall seJI the Property at
public audfon to the highest bidder at the time and place and under the terms designated in the notice of sale in
orH~ o.;r mo'!'e p!H''<eels 2nd nn any order Trustee determines. Trustee may postpone sale of an or any parcel of the
lP'rnperrty by p111hfa~ announcement at the time and p!ace of any previously scheduled sale. Lender or its designee
rnrn.y purchase the Property at any sale.
T1tl!!s'i:<2t shall deliver to the purchaser Tn·ustee's deed conveynng the Property without any covenant or
v>':}'lT.1Hll1ty, e:~:1r,~~sed or implied. The recitals in the T1i-ustee's deed slrnanl be prima fade evidence of dne truth of the
statements irn:::€.tc thereimi. Trustee shall apply the proceeds of the sane in the foUovi,ing order: (a) to an expenses of
11he s::t!e~ h:dtac~r.11g;,. but J11ot limited! to, reasonable Trustee's and attorneys' fees; (b) to all sums secured by this
Ser:udty ln:sfrm1i:::nt; and (c) any excess to the persm1 or pers011s,legaUy entitled to it.
23" Re::.;3,nveyance. Upon payment of all sums secured by this Security Instrument) Lender shall request Trustee
to reconvey the Property and shall surrender this Security Instrument and all notes evidencing debt secured by this
Security InstnLr,:;:1t to Trustee. Trustee shall reconvey the Property without warranty to the person or persons legally
;:;;,1:-.itled to it. L:,1der may charge such person oi-persons a reasonable fee for reconveying the Prope1ty. but only if the fee
:s ;Jaid to a d'-1:·-:1 party (such as the Trustee) for services rendered and the charging of the foe is permitted under
/tp::ilicabk Lr:N. Y:-the fee charged does not exceed the fee set by Applicable Law~ the fee is conciusively presumed to be
reasonab!c.
'.M. Su'.x:titutf; Trurstee. Lender. at its option. may from time to time appoint a successor trustee to any Trustee
s.ppointed I1:.:'.reunder by an instrument executed and acknowledged by Lender and recorded in the office of the Recorder
ofthe coi.::.r')' in xhich the Property is located. The instrument shall contain the name of the original Lender. Trustee and
Borrower. the book and page where this Security Instrument is recorded and the name and address of the successor
trnstee. Without conveyance of the Property, the successor trustee; shall succeed to all the title, powers and duties
conferred upon the Tmstee herein and by Applicable Law. This pr9cep.ure for substitution of trustee shall g.ovem to the
exclusion of all other provisions for substitution. ·
2:;. St:dement of Obligatflon Fee. Lender may collect a fee:nor to exceed the maximum amount permitted by
Applicable Lmv for furnishing the statement of obligation as provided ~y Section 2943 of the Civil Code of California.
CALIFORNJA--Singlc Family-Fannie J\:Iae/Fredtlie Mac UNIFORM INSTRUMENT Form 3(105 I/(} I
CALIFORNIA DEED OF TRUST (SIDOT.CA)
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PA2021-040
Doc TD#: xxxxxxxxx7 62
I
BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this Security
Instrument and in any Rider executed by Borrower and recorded with it.
The undersigned Borrower requests that a copy of any Notice qf Default and any Notice of Sale under this Security
-~led to the .Borrower at the address set forth abov~ .. -
/ / . ; ~~I .
-BORROWER -ROBERT JOHN HOLL.AND
-BORROWER -CANDACE ANN HOLLAND
A. notary public or other officer completing this certificate veri~.es oh. ly the identity of the individual who signed th·;i
document to which this certificate is attached, and not the tmthfulness, accuracy, or validity of ti1;~t c'c,cument_. ___ J
State of_ bfi(5U hv~tfiA
County of d irt-&IJtrft
On -~.q:s,!!:.4,J!l>4-,,,L-o::._.;_l-1-...__.JJ....C:::.._-before me. --,--::....;="'-=~1-&,J......;::;:..-"-¼--':....-.:::::::.:,.;:.=..i~"-'"-',e..:.._:~IJ TI>~~\_L,_.fr_·l_ -----
' the ofiicer)
pearetl I 0o uu
who proved to me on the basis of satisfactory evidence to be the perso~(s) whose name(s) isiare subscribed to the withit~-
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 instnunent.
T certify under PENALTY OF PERJURY under the laws of the Sta~e ofiCalifornia that the foregoing paragraph is true and
COITect.
WITNESS my hand and official seal.
Commonwealth of Pennsylvania -Notary Seal
; Debo-rah M. Sas, Notary Public
: Washington County
My commission expires August 27, 2022
Commission number 11 ~! __ 21.i~!!•S~--'
CALIFORNIA--Singlc Family-Fannie.Mae/Freddie Mac UNIFORM INSTRUM,ENT form 3005 1/01
CALIFORNIA DEED OF TRUST (SIDOT.CA.)
flllll Page 13 of B/\NK OF AMERlC.•\. N.A.
llllillllllllllllllillllll~ll~lllllml~III~ 111111111 ~llllll llllllllilllll llll llll
-2962747623616404000*
PA2021-040
Doc ID#: xxx.xXXlCxx7G2
Individual Loan Originator: Antonio Caruso, NMLSR ID: 57~:969
Loan Originator Organization: BANK OF AMERICA, N .A., ~SR ID: 399802
CALJFORNU-Singlc Family--.Fan11ie Mae/Freddie Mac FNIFORl\·f INSTRUMENT Form 3005 1/01 iliiiif (SIDOT. CA l Page
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PA2021-040
EXHIBIT A
Legal Description i
The land hereinafter referred to is situated in the City of Newport Beach, County of Orange, State of California, and is
described as follows:
The Northeasterly Rectangular 20 feet of Lot 12 and the SouthwesterlYi 20 feet of Lot 14 in Block 237 of Corona Del Mar,
in the City of Newport Beach, County of Orange, State of California, asl per map recorded in Book 3 Page(s) 41 and 42 of
Miscellaneous Maps, in the Office of the County Recorder of Orange Qounty, California.
i
APN: 052-101-06
PA2021-040
1-4.FAlVIILYRIDER
(Assignment of:Rents)
HOLLAND
Doc ID#: XXXXXXXXX7 62
Escrow/Closing#: CA0310-20004 770-39
THIS 1-4 FAMILY RIDER is made this 1st day;ofApril, 2020, and is incorporated into and
shall be deemed to amend and supplement the Mortgagej Deed of Trust or Security Deed (the "Security
Instrument") of the same date given by the undersigned (th~ "Borrower") to secure Borrower's Note to BANK
OF AMERICA, N .A. (the "Lender") of the same dat~ anp covering the Property described in the Security
and located at: 310 Jasmine Ave. Corona Del Mar~JCA 92625""!3001 [Property Address].
1-..g FAMILY COVENANTS. In addition to the ~ovehants and agreements made in the Security
Instrument, Borrower and Lender further covenant and agree as follows: ... l
A. ADDITIONAL PROPERTY SUBJECT !TO THE SECURITY INSTRUMENT. Jn
addition to the Property described in Security Instru~nent, the following items now or hereafter
attached to the Property to the extent they are fixtures ~-e added to the Property description, and shall
also constitute the Property covered by the Security Iristmment: building materials, appliances and
goods of every nature whatsoever now or hereafter loc~ted in, on, or used, or intended to be used in
connection with the Property, including, but not limit~d to, those for the purposes of supplying or
distributing heating. coo1ing, electricity, gas, water, air and light, fire prevention and extinguishing
apparatus, security and access control apparatus> plurribing, bath tubs, water heaters, water closets.
sinks, ranges, stoves_. refrigerators_. dishwashers,• dispos~ls, washers, dryers, awnings, storm windows.
storm doors, screens, blinds, shades, curtains and cmtai~ rods, attached mirrors~ cabinets, paneling and
attached floor coverings, all of which. including replac~ments and additions thereto, shaII be deemed
to be and remain a part of the Property covered by the Security Instrument. All of the foregoing
together with the Property described in the Security Tnstmment (or the leasehold estate if the Security
Instrument is on a leasehold) are referred to in this 1-4 Family Rider and the Security Instrument as the
11Property .11
B. USE OF PROPERTY; COMPLIANCE WITH LAW. Borrower shall not seek. agree to
or make a change in the use of the Property or its zoni~1g classification, unless Lender has agreed in
writing to the change. Bo1Towet shall comply with all laws. ordinances. regulations and requirements
of any governmental body applicable to the Property.
C. SUBORDINATE LIENS. Except as permitted by federal law, Borrower shall not allow
any lien inferior to the Security Instrument to be perfec~ed against the Property without Lender's prior
written permission.
D. RENT LOSS INSURANCE. Borrower sµall maintain insurance against tent loss in
addition to the other hazards for which insurance is requlred by Section S.
E. "BORROWER'S RIGHT TO REINSTATE" DELETED. Section 19 is deleted.
F. BORROWER'S OCCUPANCY. Unless Lender and Borrower otherwise agree in writing,
Section 6 c::onceming Borrower's occupancy of the Property is deleted.
G. ASSIGNMENT OF LEASES. Upon Lender's request after default, Borrower shall assign
to Lender 2.11 leases of the Property ~nd all security deposits made in connection with leases of the
Property. Upon the assignment, Len~er shall have the right to modify, extend or tem1inate the existing
MUL TIST ArTE I-4 F Ai\'HL Y Rm ER --Faimie Mac/Freddie !VJac UNIFORM INSTRUMENT
1-4 FAMILY RIDER -MULTISTATE (1-4FAMRDR.XX)
31.47(08/19) · Page 1 of 3
11' 1,
Form 3170 1/01
PA2021-040
Doc JD#: xxxxxxxx:x762
leases and to execute new )eases, in Lender's sole discretion. As used in this para.graph G, the vvord
"lease" shall mean "sublease" if the Security Jnstmment is on a leasehold.
H. ASSIGNMENT OF RENTS; APPOINTMENT OF RECEIVIB:rr-z; LENDER IN
POSSESSION. Borrower absolutely and unconditionally assigns and transfers to Lender all the rents
and revenues ("Rents") of the Property, regardless ofto \.Vhom the Rents of the Property are payable.
Borrower authorizes Lender or Lender's agents to collect the Rents, and agrees that each tenant of the
Property shall pay the Rents to Lender orLender's agents. However, Borrower shali receive the Rents
until (i) Lender has given Borrower notice of default puisuant to Section 22 of the Security Instrument
and (ii) Lender has given notice to the tenant(s) that the Rents a.re to be paid to Lender or Lender's
agent. This assignment of Rents constitutes an absolute assignment and not an assignment for
additional security only.
If Lender gives notice of default to Borrower: (i) all Rents received by Bon-ower shall be held
by Borrower as trnstee for the benefit of Lender only, to:be applied to the sums secured by the Security
Instrument; (ii) Lender shall be entitled to collect andireceive all of the Rents of the Property; (iii)
Borrower agrees that each tenant ofi the Property shall pay all Rents due and unpaid to Lender or
Lender's agents upon Lender's written demand to the tenant; (iv) unless applicable law provides
otherwise, all Rents collected by Lender or Lender's agents shall be applied first to the costs of taking
control of and managing the Property and collecting theiRents, including~ but not limited to, attorney's
fees. receiver's fees. premiums on receiver's bonds, repairand maintenance costs, insurance premiums,
taxes, assessments and other charges on the Property, ~nd then to the sums secured by the Security
Instrument; (v) Lender, Lep.der's agents or any judicially appointed receiver shaH be liable to account
for only those Rents actually received; and (vi) Lender spall be entitled to have a receiver appointed to
take possession of and mat~age the Property and collect the Rents and profits derived from the Property
without any showing asto the inadequacy of the Property as security.
If the Rents of the Property: are not sufficient to cover the costs of taking control of and
managing the Property and of collecting the Rents anyJunds expended by Lender for such purposes
shall become indebtednes~ of Borrower to Lender secured by the Security Instrument pursuant to
Section 9. l 1
:
Borrower represents and wartants that Borrowet has not executed any prior assignment of the
Rents and has not performed, and will not perform, any ~ct that would prevent Lender from exercising
its rights under this paragraph. ,
Lender, or Lender1s agents or a judicially appointed receiver, shall not be required to entei
upon, take control of or maintain the Property before 9r after giving notice of defauit to Borrower.
However, Lender, or Lender's agents;or a judicially appointed receiver, may do so at any time when a
default occurs. Any appliqation of R;ents shall not curd or waive any default or invalidate any other
right 6r remedy of Lender. This assignment of Rents of the Property shall tenninate when all the sums
secur~d by the Security Instrument ar~ paid in full.
, I. CROSS-DEF~ULT PROVISION. Borrqw,er's default or breach under any note or
agree1;nent in \.Vhich Lender has an interest shall be a breach under the Security Instrument and Lender
may invoke any of the remrdies perrrdtted by the Security Instrument
MULTISTATE 1-4 FAMILY R~DER--Fannie Mae/Freddie Mac UNIFORM INSTRUMENT
1-4 FAMILY RIDER -
32.47 (08/j19)
111111
Form 3170 liOt
MtJLTISTATE (1-4FAMRDE .XX) ,
, Page 2 of 3 BAN"K OF AivffiRICA, N.A.
· 11~llllllll~llll~!llllllllllm 1111111111111111111111111111111111~ 111111
.. *2!:'l62747623616404000 ..
PA2021-040
Doc ID#: XJCXXXX.Xxx762
BY SIGNING BELOW, BotTower accepts and agrees to the terms and covenants contained in this 1-4 Family
Rider.
'-~ ···~-
-aoihiowER ~ JOHN HQLLMID
t11 ~,e~v ~ ~cwcfl j
-BORROWER -CANDACE ANN HOLLAND
MULTISTATJE 1-4 FAMILY RIDER--Fannie Mae/Freddie Mac UNIFORM INSTRUMENT
Form 3170 1/01
BANK OF AMERICA, N.A.
PA2021-040
Shari L. Freidenrich, CPA
Orange County Treasurer -Tax Collector
P.O. BOX 1438 • Santa Ana, CA 92702-1438
601 N. Ross Street, Building 16, Santa Ana
Office Hours: 8:00 AM-5:00 PM Monday-Friday
Phone Hours: 9:00 AM-5:00 PM (714) 834-3411
ocgov.comtoctaxbill INTERNET COPY
2020-21 SECURED PROPERTY TAX Bill
For Fiscal Year Beginning July 1, 2020 and Ending June 30, 2021
0094007-0094007 PDFE·--924678 OCT0l3
ASSESSEE NAME AND ADDRESS ARE NOT AVAILABLE
ONLINE PER CA GOV CODE §6254.21
OWNER OF RECORD AS OF 12:01 AM, JANUARY 1, 2020
ASSESSEE NAME AND ADDRESS ARE NOT AVAILABLE ONLINE PER CA
GOV CODE §6254.21
052-101-06 07-001 $11,439.91
DID YOU KNOW?
~Ji!l up to.receive atext/emall due~ reminder at ~91tc.Qffl[®tpremlmJif
Pay onlfne at ocgov com/octaxbm to receive same day credit, no service fee by eCheck
and an emailed receipt.
,-.aliedpayiiienfsinusiliiiveiiisPs.pos1mar1<onorlieforettie1astt1me1ypayineirfila1el :~~=:n~:~ raa::er~]~Y.~!!~!1.\_u~tY.!>!'_l':8-~e_lll~Jl~~~~f!lll_8-~~~ ,J!._,,. ___ .c..c.=-'='='-''-" ··--Yl
PROPERTY LOCATION
310 JASMINE AVE NEWPORT BEACH
ASSESSED VALUES & EXEMPTIONS AS OF ,JANUARY 1, 2020
DESCRIPTION LAND
IMPROVEMENTS -BUILDING
TOTAL VALUES:
TOTAL NET TAXABLE VALUE:
+ $11,439.91 =
FULL VALUE COMPUTED 1,870,461 TAX 255,578
2,126,039
2,126,039
$22,879.82
22,879.82
22,879.82
VO f ER APPROVED TAXES AND SPECIAL ASSESSMENl S IMPORTANT INFORMATION SERVICE AGENCY RATE VALUE TAXES
• f I I y p p y g ,y g BASIC LEVY RATE ,1.00!)00 2,126,039 21,260.39 Property taxes are the responsibility of the new owner. Contact the'
Office of the Assessor at (714) 834-2727 regarding ownership changes. COAST COMM COLLEGE DIST .03181 2,126,039 676.29
NEWPORT MESA UNIFIED .0175,4 2,126,039 372.91
METRO WATER D-MWDOC .09350 2,126,039 74A1
SPECIAL ASSESSMENT CHARGES PHONE NO.
MOSQ,FIRE ANT ASSMT (800)273-6167 7.70
VECTOR CONTROL CHG (800)273-6167 1.92
MWD WATER STDBY CHG (866)807-6864 11.60
OCSD SEWER USER FEE (714)593-7281 474.60
TOTAL CHARGED 1.05285 22,879.82
FOR DETAILS OF TAX TYPES, VISIT OUR WEBSITE AT OCGOV.COM/OCTAXBILL
THERE WILL BE A $26,00 FEE FOR EACH PAYMENT RETURNED UNPAID BY YOUR BANK FOR ANY REASON RETAIN TOP PORTION FOR YOUR RECORDS-IF PAVING BY CHECK, YOUR CANCELLED CHECK IS YOUR RECEIPT OR PAY ONLINE AND RECEIVE AN EMAILED RECEIPT
DETACH AND MAIL STUB WITH 2ND INSTALLMENT IN ENVELOPE PROVIDED WRITE YOUR PARCEL NO. ON YOUR CHECK
r*®••§l!@,J•IMH,.M■!@•l!iiH+iii•;,
_ 052-101-06 _ APRIL 12, 2021 _
ASSESS EE:
ASSESSEE NAME AND ADDRESS ARE NOT AVAILABLE ONLINE
PER CA GOV CODE §6254.21 Make checks payable to: County of Orange
COUNTY OF ORANGE
ATTN: TREASURER-TAX COLLECTOR
P.O. Box 1438
Santa Ana, CA 92702-1438 INTERNET COPY
ORANGE COUNTY 2020-21 PROPERTY TAX Pay taxes online by eCheck or by credit card
eCheck ~\IIi~ ~
■ E§:J C%tV#SA·2.29%FeeMin.$1.95
Scan the code to view and pay ocgov.com/octaxbill
~""■-~'•• DUE FEB 1, 2021 ~
£!l~ _ . I: $11,439.91 I
AMOUNT DUE AFTER 4/12/21 (INCLUDES 10% PENAL TY+ $23 COST) $12,606.90
□10521□ 1 □60000020200204122100 □114399106302100012606900□00 □00000 □000004
DETACH AND MAIL STUB WITH 1ST INSTALLMENT IN ENVELOPE PROVIDED WRITE YOUR PARCEL NO, ON YOUR CHECK ORANGE COUNTY 2020-21 PROPERTY TAX rPfi:@§■ijjiiMi5j@=f4ifii•j:j■jfif)ij@ffl·!@i@= fij@-$1=Mf:■iti§H■■•~i=H~i!fiij$@jt, Pay taxes online.by eCheck or by credit card
_ 052-101-06 _ DECEMBER 10, 2020 I $22,879.82 _ eCheck !~Ji0-j ~
A.__S_S_E_S_S_E_E_: __ __._ _____ __. __________ _.. ■ ~ 0'.4t V#SA· 2.29% FeeMin.$1.95
ASSESSEE NAME AND ADDRESS ARE NOT AVAILABLE ONLINE
PER CA GOV CODE §6254.21
Make checks payable to: County of Orange
COUNTY OF ORANGE
ATTN: TREASURER-TAX COLLECTOR
P.O. Box 1438
Santa Ana, CA 92702-1438 INTERNET COPY
Scan the code to view and pay ocgov.com/octaxbill
•••"■'•• DU;.NOV::~:::g
AMOUNT DUE AFTER 12/10/20 (INCLUDES 10% PENALTY) $12,583.90
01□52101 □6 □□000202001121020000114399106302100012583900000 □000000000□06
PA2021-040
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/~ ✓/~ % NEIGHBORING RESIDENCE
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PA2021-040
INTERIOR IMPROVEMENTS + ADU CONVERSION
APPLICABLE STANDARDS: 2019 CALIFORNIA BUIOING CODE (CBC): 2019 CALIFORNIA RESIDENTIAL CODE (CRC): 2019 CALIFORNIA ELECTRICAL CODE (CEC): 2019 CALIFORNIA MECHANICAL CODE (CMC}; 2019 CALIFORNIA PLUMBING CODE (CPC); 2019 CALIFORNIA GREEN BUILDING STANDARDS CODE {CBGCi 20Hl BUILDING ENERGY EFFICIENCY STANDARDS (BEES) AIW THE NEWPORT BEACH MUNICIPAL CODE (NBMC)
CONSTRUCTION REQUIREMENTS
1.BATHROOM:
A. ROC!.1$ CCtlTAINl~G !3ATHTUAS. SHOW(RS. SPAS /,~Jtl SIWLAR FIXTURES SHALL BE PROVIDED WITH AN EXHAUST rAN 'Ml II A 1.~[NU.IUM CAPACITY ur ~ CFM. DUCTLESS FANS ARE UNAl..:CEPlABLE. CRCR303.3. enc 1203.4.2.1, CMCT-4-4 n. c-6e~nt;'f6 ~~ ~:~~~;;:t~~~~i~~T~g~~-~ ~6~•1NCHES IN FRONT, AND 15.INCHEs FROM ITS
C. ~~~~ ';e':~u~~~~~~6~~ AVERAGE CONSUMPTION OF A MAXIMUM OF 1.28 GALLONS OF
□. ~~s:~~l.'~~~~8c~!~~~';t~;~~~u;i~DA~ ~A~~ g~~jj_~ow RATE OF 12 GALLONS PER MIN UT e MEASURED
E,Sp~~~~~iio~t~~~~t;EOAWATERSUPPLYFLOWRATECPC403.70F2.0GALLONSOFWATER
F. WALL COVERING OF SHOWERS OR TUBS Wint SHOWERS SHALL BE OF SMOOTH, NONABSORBENT SURFACE EXTENDED TO A HEIGHT NOT LESS THAN 6 FEET ABOVE THE FLOOR CRC R307 2, CBC 1210.2.3
G. THE NET AREA OF THE SHOWER ENCLOSURE SHALL BE 1,024 SO. INCHES (7.1 SQ. FEET) OR MORE
IN CLEAR FLOOR AREA. ANO SHALL ALSO BE CAPABLE OF ENCOMPASSING A 30-INCH DlAMETERCIRCLE.CPC408.6
A.. KITCHEN SHALL HAVE A CLEAR PASSAGEWAY OF NOT LESS THAN 3 FT. CBC 1208.1
B, PROVIDE LOCAL EXHAUST SYSTEM VENTED TO OlJTDOORS WITH RATE• 100 CFM. 2.KfTcl-feF.150(oJ,ASHRAEST0.62.2.
C. FAUCETS AT KITCHENS SHALL NOT EXCEED A WATER SUPPLY FLOW RATED OF 1.6GALLONS
PER MINUTE MEASURED AT 60 PSI. CDC 403.6
3. SAFETY GLAZING SHALL BE PROVlDEO AT THE FOLLOWING HAZARDOUS LOCATIONS CRC R308.4 (CBC2406.4)!
A. ~~~~~CATE□ WITHIN 60-INCHES OF THE FLOOR SURFACE IN TUBS, SHOWERS, SAUNAS, OR STEMt
8. WHERE GLAZING AREA IS MORE THAN9SQ. FT. IN AREA. WITH THE BOTTOM EDGE LESS THAN 16-INCHES ABOVE THE FLOOR AND TOP EDGE MORE TtW\I 36-INCHES ABOVE FLOOR.
A. ALL RECEPTACLE OUTlETS IN BATHROOMS, ABOVE KITCHEN COUNTERTOP, CRAWL SPACES. GARAGE. ROOFTOPS. OUTDOOR OLJnETS, WITHIN 6-FEET OF WET BAR SINK/LAUNDRY SINK TO BE
PROTECTED BY GROUND FAULT CIRCUIT INTERRUPTER (GFCI). CEC 210.8.
B. AU RECEPTACLE OUTI.ETS ARE REQUIRED TO BE LISTED TAMPER RESISTANT. (CEC 406.12 AND 210.52)
C. COMBINATION TYPE AFCl CIRCUIT BREAKERS ARE REQUIRED FOR ALL 120 VOLT SINGLE PHASE 15120 AMP BRANCH CIRCUITS. EXCEPT FOR BATHROOMS, GARAGES, AND OUTDOORS. (CEC 210.12(6))
(CEC210,12(B))
D. AT A MINIMUM, ONE DEDICATED 20 AMP CIRCUIT IS REQUIRED FOR A BATHROOM. (CEC 210.11(C)(2JI
E. A GFCI PROTECTED RECEPTACLE IS REQUIRED WITHIN 3 FEET OF THE EDGE OF EACH BASIN IN A BATHROOM. (CEC210.52(0))
F. RECEPTACLE OUTLETS ARE NOT ALLOWED WITHIN OR OVER A BATHTUB OR SHOWER STALL {CEC406,9 (C))
G. SUBPANELS ARE NOT ALLOWED TO BE LOCATED IN BATHROOMS, CLOTHES CLOSETS OR IN THE FIRE WALL ENVELOPE. (CEC 240.24(0) ANO 240.25(Ei}
H. CIRCUITS SHARING A GROUNDED CONDUCTOR {NEUTRAL) WITH TWO UNGROUNDED {HOT) CONDUCTORS
MUST USE A lWO POLE CIRCUIT BREAKER OR AN IDENTIFIED HANDLE TIE. (CEC 210.4(8)) GROUP NON-CABLE CIRCUITS IN PANEL (CEC 210.4(0))
I. THE KITCHEN COUNTER TOP RECEPTACLES MUST HA.VEA MIN.OF 2 DEDICATED 20 AMP CIRCUITS,
ANO SHALL BE GFCI PROTECTED. (CEC 210.52(9))
J. THE RECEPTACLES IN THE DINING AREA, PANTRY, OR BREAKFAST NOOK MUST BE SUPPLIED BY DEDICATED 20 AMP CIRCUITS. (CEC 210.52(6))
K. KITCHEN COUNTER TOPS 12 INCHES OR WIDER MUST HAVE A RECEPTACLE ounET. (CEC 210.52(C)}
L. KITCHEN COUNTER TOPS MUST HAVE RECEPTACLE OUTLETS SO NO POINT ALONG THE COUNTER
WALLS IS MORE THAN 24 INCHES FROM A RECEPTACLE. (CEC 210.52(C))
M. ISLAND ANO PENINSULAR COUNTER TOPS MUST HAVE AT LEAST ONE RECEPTACLE,
(CEC210.52(C}(1)AND(2))
N. KITCHEN COUNTERTOP RECEPTACLES SHALL BE READILLY ACCESSIBLE. ANO LOCATED NO MORE THAN
20 INCHES ON OR ABOVE, OR MORE THAN 12 INCHES BELOW THE COUNTERTOP SURFACE. (CEC 210.52(C)(5))
O. THE SPACING FOR GENER.At. RECEPTACLE OUTLETS MUST BE LOCATED SO THAT NO POINT ON ANY WALL
OR FIXED GLASS IS OVER 6 FEET FROM A RECEPTACLE OUTLET. \CEC 210.52(A))
P. HALLWAY 10 FEET OR MORE MUST HAVE AT LEAST ONE RECEPTACLE OUTLET. (CEC 210.52(HJJ
Q. LAUNDRY ROOMS MUST HAVE AT LEAST ONE DEDICATED 20AMP RECEPTACLE CIRCUIT. (CEC210.11 (C) (2))
5, SMOKE ALARMS SHAU. BE INSTALLED IN THE FOLLOWING LOCATIONS (R314.3): ~ ~~f~e si~~i;~P~i~~ SLEEPING AREA IN THE IMMEDIATE vIaN1TY oF THE BEDROOMS.
C. ON EACH AD□mONAL STORY, INCLUDING BASEMENTS ANO HABITABLE ATTICS,
SMOKE ALARMS SHALL BE HARDWIRED WITH BATTERY BACK0UP ANO INTERCONNECTED UNLESS EXEMPTED IN ACCORDANCE WITH SECTIONS R314,4 & R314.5.
6, CARBON MONOXIDE Al.ARMS SHALL BE INSTALLED IN THE FOLLOWING LOCATIONS (R315.1.4):
~ ~~~~:~~E~~~;~:~~=ci~~EI~~~~:~~~~=~; THE BEDROOM(S).
7. EMERGENCY EGRESS WINDOWS SHALL BE MlN. 5.7 SQ. FT, MIN. NET WIDTH 20" AND MIN. NET HEIGHT 24•. BOTTOM OF THE CLEAR OPENING NOT GREATER THAN 44• ABOVE FlNISHED FLOOR. (R310) WINDOWS
ABOVE FIRST LEVEL AND HAVING SILL HEIGHT< 24" SHALL BE PROTECTED BY GUARDS (R312.2.1) -r---r-~~,-.....,......_,,-.~,,.-...,......,~---,....._.._,,,..-& ~ 8, FIELD TEST WILL BE REQUIRED FOR RECESSED CAN LIGHTS IN STC-50 ANO llc-50 SOUND RATED FLOOR-CEILING )
( 8.1~S~~~~~CAL FIELD TEST SHALL BE PERFORMED BY AN ACOUSTICAL CONSULTANT CERTIFIED BY AN ACOUSTICAL ) ~ SOCIETY RECOGNlZEO BY THE STATE OF CALIFORNIA. ) 82. RESULTS OF FIELD TEST SHALL BE SUBMITTED TO CITY BUILDING INSPECTOR ON LETTERHEAD OF ACOUSTICAL )
~..._J-~.._,.,_,,,.-.._,,_....,_,,,,__.,,.._,,,.......,,...____)
ACl,NOWL[DGMENT OF NO CONSTRUCTION-RELATED NOISE ON SATURDAY OR
SUNDAY IN HIGH DENSITY AREAS
I ACKNOWLEDGE THAT ANY CONSTRUGTIO!~-RELATED NOISE, (INCLUDING, 8UT NOT LIMITED TO ~C~!~g:~:~R~~~1~~es~TN6~~i~c~~~~~~c;~:~~ ~H~;;~g~i: =~~!T BEACH ~!~~~~~~~~g~~°;~E~R~:E~~~~r~;L~:1~~~~~~:S11~~Fo~~B~~~~Ts~:c"~L
OWNER'SSIGNATURE: ___________ _
CONTRACTOR'SSIGNATURE: __________ _
RECORD DRAWING ON FILE AT CITY -FOR REFERENCE ONLY
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SCOPE OF WORK: 1) CONVERT EXISTING STORAGE AREA TO (N)ADU. ALL EXISTING NON-PERMITTED IMPROVEMENTS TO BEVERZFIED W/CODE COMPlWIICE
PER PLANS. 2) RENOVATE EXIS!!_NG (2) BATHROOMS AND {1) KITCHEN AT UPSTAIRS REAR UNIT: REPLACE ALL PLUMBING FIXTURES AT
PROJECT ADDRESS: 310 1/2 JASMINE AVE, CORONA DEL MAR, CA 92625
OWNER: ROBERT & CANDACE HOLLAND
ARCHITECT: VULVJ\N ARCHITECTS
STRUCT. ENG: BURKE STRUCTURAL ENG.
PROJECT DATA
PROPOSEOCONSTRUCTIONTYPE •••••••••••••••• TYPEV-B
EXISTINGCONS'TRUCTIONTYPE••••·•·····----··· TYPEV-B
I (412) 965-1619 email: holland3733@lcloud.com
I (949) 612-7257 email: trifon@vulkanarchllects.com I LIC. NO.: C-37844 I (657) 289-0460 email: Tom@burkese.com I UC. NO.: 5088
SHEET INDEX
PROPOSEOUSE ••·-··•·••••••-••••••••••·-• R-3(RESID.SINGLEFAMILY)
YEAR BUILT----••••--···--•••-••••-•-•••-
NUMBEROFSTORIES --·······--·-······-···-
SPRINKLERED···---·············-·····-··· NO
SITEAREA -·-········-·····--········-··· 4,720
(E)LIVINGAREA(310JASMINEAVE) .NOT IN SCOPE ----2,114
(E)LIVINGAREA(3101/2JASMINEAVE) ••••••••••••• 1,009 I (N)ADULIVJNGAREA-CONVERTED(E)STORAGE -·-·--367
(E)3-CARGARAGEPARKING ·••••••••••••••····-582
WALL LEGEND
~ SOLID LINES REPRESENT EXISTING WALLS ~ TOREMAIN
: : : : : : ~~::N~f;i~:5itEPRESENT
~ INOICATES1-HR.RATEDWALL
~~'.~~r~:k·TYPE·x-
k:i.~}jb~J FRONTUNIT-NOTINSCOPE
PROJECT
NORTH
GENERAL NOTES, LEGEND AND ABOREVlATIONS
TYPICAL WOOD DETAILS
VICINITY MAP
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CITY OF NEWPORT BEACH ~~~i COMM1l?l,"ll'Y•~==1:EPAR1MENT
• ~~. ... 100Qtc:C..o,twwlP.0.b1Tildl~B--.CAmea&el15 ......... ,I' .. ~ WW~.Plt9'9)1M4.32DO
lacknow'ledgetha!Brrf0Dnstruc:lioD-l8ialBdnolao,(includtng,butnotllmlted
tooperatlngpoweroquipmEmtormadinery[namannarlhatproducesnoise) ls not allowed on SGtlJrday or Sunday In High Density Areas in acoordanoe v.tth Newport Baadl Munic;ipal Code 10.28.040. As lhe owner ol lhe property, I amreaponslbletoensure aJI ~n:sworklng on the property complywllhthlspn,,lelonoltheNewpc,t Elea<:hMunldpelCodo.
EXISTING FLOOR & SITE PLAN 1/8"=1'-0"
REVISIONS
A PLANCHECK ~ 02/17/2021 :ZS: 1::,,_
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PA2021-040
Titlelnspections.com
Company: Stewart Title of California O.C. C Owner: UCLA FOUNDATION AND
Division u ROBERT HOLLAND
s Address: 310 Jasmine Ave
T City: Corona Del Mar
Order: 20000796 0 County: Orange County
Title Officer: Sheila Moltoni M APN: See details on original order
Email: sheila.moltoni@stewart.com E Lot+ Tract: See details on original order
Phone: 949 567-0385 R Additional Info: See details on original order
Date: 02-26-20 7:42 PM
Submitted By: Sheila Moltoni
INSPECTION REPORT
Note: This inspection report is not a survey, it is for title purposes only. Title Inspections.com does not assume any liability for losses or damage
for any reason which may be sustained from inspection report. See full disclaimer at the end of report.
Inspection Type:
Priority Recording
Street Address:
310 & 3101/2 Jasmine Ave
Corona Del Mar, CA
Property Type:
2 SFR's
Occupants:
Tenants
Response Time:
Priority (recording)
Recent Improvements: Yes □ No ■
Notes:
See next page for details
No one around at time of inspection
Laundry-Room Lease: No
Inspection Fee: $100
Inspected By: Ken Pace
Inspection Date: 02-27-20 Titleln -.ilfm'e tftah you e~.
Page 1
Titlelnspections.com
PA2021-040
Title Inspections.com
Notes:
This inspection report is not a survey nor intended to be used as one. It is for Title purposes
only.
No visible work in progress at the time of the inspection.
Attached aerial image is for general information of the property lay out.
Survey Recommended.
Due to terrain, difficult to acquire accurate measurements. Survey Recommended.
Some information may be missing or inaccurate. Survey Recommended.
For Sale
Super rush, same day service
Page 2
Title Inspections.com
PA2021-040
General Topography Level ■Sloped □
Access to paved or dirt road Yes ■ No □
Area of concern:
None Found
Note: A licensed surveyor is required for the purpose of determining where the location of a property line is on the
ground by a field inspection. Survey Recommended.
Improvements along Map Lines:
Block wall and/or fences
Trees, bushes, and/or landscape
Gates, doors, and/or stairwells
Walkways
Common walkway and/or I & E
Ingress and/or egress driveways
Auto parking
Garage or Carport
UWnies ,md Drainage:
Al! utilities underground
Overhead transmission lines
Electrical transformers and/or substations
Vaults, and/or manholes
Tunnels
Water drainage: Curb and Gutter, Natural
Improvements to vacant land:
Construction office, temporary fence/power pole and/or sanitation unit
Building materials and/or equipment
Grading or SuNey Stakes
Land clearing and/or pad site cut
Constilictiot1 (lay-out s·(akes) and/or Test borings
Footings dug, forms-up, and/or concrete poured
Mi9cGl!aneous:
Railroad. right of way
Removal of structures
Signs and/or billboards
Well (oH or water)
Equestdan / l\ecreational Trail
Fuel -i-anks (propane or gasoline)
Cornmwlication ceil ·tower
So,ar panels
Use of adjoining property:
1""1 . ' ·" I s ,,. wn::, i CH
Page 3
Titlelnspections.com
Yes ■ No □ Yes ■ No □ Yes ■ No □ Yes fl No □ Yes □ No ■ Yes II No □ Yes Ii No □ Yes II No □
Yes el No □ Yes □ No ■ Yes □ No I
Yes □ No ■ Yes □ No •
Yes □ No □ Yes □ No □ Yes □ No □ Yes □ No □ Yes □ No □ Yes □ No □
Yes □ No • Yes □ No ■ Yes □ No I
Yes □ No II
Yes □ No □ Yes □ No ~
Yes □ No I
Yes □ No II
PA2021-040
Titlelnspections.com
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Symbol Legend: Inspection Disclosure
+ Survey Marker •~, ,_ --
-Power Lines ------Power Pole =:z::::::E::
[81 High Voltage Transformer -+ Fire Hydrant ~
@ I ~ Manholes/ Vaults ML
Car ports, Balconys, Overhangs
Ingress+ Egress, Walkways
Block Wall
Wood Fence
Chainlink Fence
Map Lines
This inspection report is not a survey, it is for title purposes only.
Titlelnspections.com assumes no liability for losses or damages which may
arise from this inspection. All items included are from a physical inspection and
do not include zoning violations, C.C.R. violations, underground easements and
utilities not visible to the naked eye, A.LT.A. survey should be ordered for
problems such as easements, encroachments, property line disputes and
ingress and egress.
Sketch intended as a Visual aide for approximate location of Structures. This
sketch is not intended as a property survey.
SIGNED Ken Pace DATE 02/27/2020
Page 4
Titlelnspections.com
PA2021-040
PA2021-040
Photo #1
Photo #3
Photo #5
?hoto #4
Photo #6
Page 6
Titlelnspections.com
PA2021-040
Titlelnspections.com Photos
Photo #8
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PA2021-040
Titlelnspec-· ion .... co
Photo #13
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Photo #14
Page 8
Titlelnspections.com
PA2021-040
Titlelnspections.com
INSPECTION REPORT
DISCLAIMER
Limitations Note: This inspection report is not a survey; its for title purposes only. It does not confirm (1)
property lines, (2) the relationship of physical features, such as buildings, fences, trees or other development
relative to the location of property lines, nor (3) encroachments. This report provides a visual inspection of a
property as shown on the Assessor's Parcel Map that has been provided by the Title Company for whom the
Report is produced. All identifying features of the property are in relation to the map lines provided by the
Title Company. The accuracy of the map, as to true and legal property lines, is not verified by Title
inspections.com.
A licensed surveyor is required for the purpose of determining where the location of a property line is on the
ground by field inspection. The same applies for determining where existing features are located, measured
and described relative to the location of a property line. In addition, "encroachment" may only be determined
oy review of all evidence related to the establishment, reestablishment, or retracement of a property line to
existing physical features and title rights, which can only be performed by legally authorized persons, not by
Title Inspections.com.
Title Inspections.corn does not assume any liability for losses or damage, for any reason, which may be
sustained from this limited inspection report.
Page9
Titlelnspections.com
PA2021-040