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HomeMy WebLinkAboutPA2020-024_20200212_Application!/ PA-»·· o)..~ Certificate of Compliance a/r,>-l'Joao Address • 2-0 Address Email Site/Pro·ect Address Community Development Department Planning Division 100 Civic Center Drive I P.O. Box 1768 / Newport Beach, CA 92658-8915 (949)644-3204 Telephone/ (949)644-3229 Facsimile www.ne:w12ortbeachca.gov Zip Code FaxNo. City, state Zip Code Phone No. Fax No. Assessor's Parcel No. Along with the above portion of this form completely filled out, please submit the following: -.ti. A legible copy of the latest Recorded Grant Deed or Contract of Sale showing current ownershlp,.include the Title Insurance Policy ifavailable . . ...-2. A copy of the latest Tax Bill and Assessor's Map. -3. A copy of any andall documents supporting original creation of the parcel (e.g. Grant Deeds, Contracts of , Sale, Records of Survey, Building Permits, or other documents). ,......-4. If the project ts irnproved, include legible copies of: • A Plot P Ian, • fully di mensioned on an 8½ ti x 11" sheet showing entire p arcel, al I improvements, and parcel area in square feet. • A Building Permit for a Principal Building on the Property . .....-5. An application fee in the amount of$330 ($318 + QC Recorders Fee $12) payable to the City of Newport Beach. Please note parcels not in compliance with Subdivision or Zoning regulations may inc.ur additional costs. Do Not Complete Application Below This Line -For Office Use Only PANo. Submitted: Planner I ext. CONo. Fee Paid: Date Mailed DNo. Form of Payment: Check No. DateofOR 0 Check 0 CreditCard PlnGhckNo. Receipt No. ORNo. Remarks: Vpdated 02/28119 PA2020-024 $320 x 02-12-2020 RCP0012023 PA PA2020-024 ' . I hereby certify that this is a true and Recording Requested By: MUFG Union Bank> N.A, exact copy of the original. By: Alyssa Sosa Chicago Title Company Return To: MUFO Union.Bank, N.A. Document Follow-Up Department, 2-360-340 9865 Towne Centl'c Drlve San Diego, CA 92121 Assessor's ldentiffcatlon Number: 423-23 J ~04 Property Address: 612 Via Lido Nord Newpol't Beach, CA 92663 Deed of Trust Oefio Itions, Words used ln multiple sections of this document are defined below and other words are detfaed in Sections 3, 11, 13, 18, 20 and 21. Certain rules regal'ding the usage of words used In this document are also provided in Section 16. (A) "Securtty Instrument" means this document, which ls dated March 20, 2019, together with alI Riders to this document. (B) "Borrower" is Mark Kelegian and Shelly M, Ketegian, Husband and Wife, as Commut1ity Property with Rights crfsurviv01'Bhip; rurto an ondivided fifty {50%) and SheUyM~ Kelegia11; tnnarried woman, as -her so:le and ·sepru·ate p1·operty, as to an undivided fifty (50%) interest. Bormwer1s add1·ess is 20 Old Course Dl'ive, Newpott Beach, CA 92660. Borrowel' is the trustor under this Security Instrument. (C) '~lender» ls MUEGU11l011 Bank, N.A., A National Banking Association. Lender is a national banko1·ganized and existing under the laws of the United States of Amerlca. Lende1·1s address is 9865 Towne Centre Drive, San Diego, CA 92121. Lender is the beneficiary under this Security Ins1rument. (D) "1rwl'tee" Is Unlonbancal Mortgage Corpo1·ation, (E) ''Note" means the promissory 11ote signed by Borrower and dated March 20, 2019. The Note states that Borrower owes Lender 1\vo million five hundred twenty thousand and 00/100 Dollars (U.S. $2,520,000.00) plus int.~r~t. ~2rrn~~rlias promi!l~41<>P~.~b.is. debt inX~fll!larJ~fiodic Pay~e_nt~ ;md Jo pay th~ ~~~t il1Jull not later than April 1, 2049, (Ji') "Property" means the property that is desol'ibed below under the heading "Tl'ansfer of Rights in the Property. n (G) "Loan" means the debt evidenced by the Note, plus interest, rury prepayment charges and late cltal'ges due under the Note, and all sutns due under this Sccudty Instrument, plus inte1·est. (H) "Rider.," means all Riders to this SecW'lty Instrument that are executed by Bot'l'Ower. The following Riders are to be executed by Bo1'1·0we1· [check box as applicable]: l8l Adjustable Rate Ridel' 0 Condomi11iu1n Rider f8l Second Home Rider D Balloon Rider 121 Planned Unit Development Rider jg] 1••4 Falllily Ridei· CALIFORNIA•Slngl& Family«Farnle M~a/frGddle Mll\l UNIFORM INSTRUMENT Ba~arll Sys toms"' VM~• WollGrs KIUWllr Flruln<::lat S•r1loa& 2010030l18.4.0.2l!OO✓Z0181l520V 01!74832211 f'Oflll woo 1/01 04/.2018 Paga1 ol 14 PA2020-024 I hereby certify that this is a true and D VA Rider □ Biweekly Payment Ride1· □ Other(s) ( . . exact copy of the oragmal. (I) "Applicable Law" means all controlling applicable federal, state and local statutes, By: Alyssa So~a administrative rnles and ordexs (that have the effect of law) as weU as all applicable fln Chicago Title Company opinions. (,J) "Community Association Dues, Fees, and Assessments" means all dues, fees, assessments a11d other chal'ges that are imposed 011 Borrower or the Property by a condominium association, homeowners associatio11 or similar organization. (K) "Electronic Funds T,•an~fer" means any tmnsfe1· of fonds, othe1· than a transaction originated by check, di-aft, m· sitnilai· paper instrument, which Is initiated through a11 electi·onic terminal, telephonic i11strmnent, computer, 01· 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 tmnsfers, automated teller machine transactions, transfers initiated by telephone, wlre tl'ansfers, and automated cJeminghouse transfers. (L) "Escrow Items" means those items that ~re described In Section 3, (.M) "Miscellaneous P1'oceeds" means any compensation, settlement, award of damages, or proceeds paid by any thil'd party (othet· than ittsut·ance proceeds paid under the coverages described in Section 5) for: (i) damage to, or destruction of; the Property; (H) condemnation or other taking of all or any part of the Property; (iii) conveyw.1ce in Iieti of condemnation; or (iv) misrepresentations of, or omissions as to, the value and/or condition of the Property. (N) "Mortgage Insurance" means i11surn11ce protecting Lender against the nonpayment of, or default on, the Loan. (0) "Periodic Payment" means the regularly scheduled amount due for (I) principal and interest under the Note, plus (ii) any amounts under Section 3 of this Security lnsirument. (P) "RESPA" means the Real Estate Settlement Procedures Act (12 U.S,C. Section 2601 et seq.) and its impleme11tlng regulation, Regulation X (12 C.F.R. Pal't 1024), as they might be amended from time to time, or any additional or successor legislation or regulation that gover11s the same subject matter. As used in this Seomlty Instrument, RESPA refers to all requirements and 1·estl'ictions thae are imposed In regard to a '1federa1Jy related mortgage loa1111 even if the Loan does not qualify as a "federally related mo1tgage loan11 under RESPA. (Q1 ",'~Juc,!1_£.ssor in Interest qf Borrower" means any party that has taken title to the Property. whether 01· not that pai·ty has assumed Bor1·owe1·1Sobiigatfo11si1ndet'tlle Nofo aiialodhis Sectir1iy InstrumenE ----· ------- Transfer of Rights ln the Property. This Security lnstmment secures to Lender: (l) the repayment of the Loan, and all renewals, extensions and modifications of the Note; and (ii) the perfo11nru1ce ofBo1'rower's covenants and agreements t1nde1·this Securitylnstmmentandthe Note;For this purpose;-B011owerit1:evoca0Jygra.nts artc:l conveys - to Trustee1 In trust, with power of sale, the following described propel'ty located in the County ['fype of Recording Jul'isdiction] of Orange [Name of Recording Jurisdiction] See Attuched Le!:,ral Description Parcel ID Number: 423"231-04 which cm'l'ently has the address of 612 Via Lido Nord [StmetJ Newpo1t Beach [City], California 92663 [Zip Code] ( ''Prope1•fy Addres.v "): TOGETHER WJTH all the improveine11ts now or het·eafter erected 011 the pmperty1 and all easements, appurtenances, and ,fixtures now or hereafter a part of the property, All replacements .ancl additions shall also be covered by this Security Instrnment. All of the foregoing is referred to in this Security Instrument as the "Property. " BORROWER COVENANTS tqat Borrower is lawfully seised of the estate he!'eby conveyed and has the right to want and convey the Pmperty and that the Property is unencumbered, except for enoum brnnces of record. Borrower wal'l'ants and wlll defend generally the title to ihe Property against all claims and demands, subject to any e11cL1mbranccs of t'ecord. THIS SECURITY INSTRUMENT combines u11ifonn cove1rnnts for national use and non-unifol'm covenants with limited variations by jurisdiction to constitute a uniform security instrument coverlng real property. Uniform Covenants. Bonower and Lender covenant and agt·ce as follows: OAUFORNIA-Slr11Jlo Pnmlly-Fannla Mae/t'reddla Mao UNIPORM INSTRUMl:NT Bankers 8yijiaff1Jjl>I VMI'® 'Abllert J{IIJW<lr Rianclal Services 201!l032D18.4.0.2206-J2018062GY 007488225 t=orm 80051/01 0412018 Page2 or 14 PA2020-024 I hereby certify that this is a true and exact copy of the 1. Payment of Principal, Interest, Escrow Items, Prepayment Charges, and LoriginaB. shall pay when due the principal of, and interest 011, the debt evidenced by the Note and at By: Alyssa Sosa late charges due undel' the Note. Borrower sl1all also pay funds for Escrow Items pursuant Chicago Title Company under the Note and this Security Instrument shall be made in U.S. currency, However, if a: 1·eceived by Lende!' as payment under the Note 01· this Securlty Instrument is retumed to Len(lel' unpam, Lenuer may require that any 01· all subsequent 1,ayment<.: 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 01· cashier's.check, provided any such check ls drawn upon an institution whose deposits are insured by a federal agency, .instrumentality, or entity; 01· ( d) Electronic Funds Transfer. Payments are deemed l'eceived by Lender when received at the location designated In the Note or at such other location as may be designated by Lendet; in accordance with the notice 111·ovl.slons In Section 15. Lend.er may return any payment or partial payment if the payme11t or partial paymenl'l are i11sufflcie11t to bring the Loan clU'rent. Lende1· may accept a\'l.Y payment or partial payment insufficient to bt'ing the Loan cut'rent, witl10ut waiver of any rights hereundet· 01· prejudice to its rights to refuse such payment 01· partial payments in the future, but Lende1· is not obligated to apply such payments at the time such payments m·e accepted, If each Perlodlc Payment is applied as of Its scheduled due date, the.n Lender need not pay interest on unapplied funds. Lende1· may hold such unapplied funds until Borrower makes payment to bring the. Loan cu1'l'ent. lf Borrower does not do so within a reasonable period of time, Lendet· shall either apply such funds or return them to Borwwer. lf not applied earlier, such funds will bo applied to the out~tandiog principal balance under the Note immediately prior to fol'eclosure. No offset or claim which Borrower might have now or in the future against Lendel' shall relieve Borrowe1· from making payments due under the Note and this Security Instrument or performing the covenants and agreements secured by this Security Instrument. 2. App If cation of Payments or Proceeds. Except as otherwise desc1·ibed in this Section 2, all payments accepted and applied by Lender shaU be applied in the following order of priority: (a) interest due unde1· the Note; (b) principal due U}lder the Note; (c) amounts due unde1· Section 3, Such payments shall be applied to each Periodic Payment in the order in which it became due, Any 1·e1naining amounts shall be applied first to late charges, second to any other amounts due under this Security Instrument, and then to redu~ the prJncipal balance of the Note. If Lender receives a payment from Borrower for a delinquent Periodic Payment whlch includes a sufficient amount to pay any late chat'ge due, the payment may be applied to the delh1quent payment and the late charge, If more than one P.eriruUc Payment is outstanding, Lendfil'n:i.a.y appcy .any.payment received from Bmrnwer to thc..~p~1ne11t 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 ls applied to the full payment of one or more Periodic Payments, such excess may be applied to any late charges due. Voluntary l)l'epayments shall lie applied fil'st to any prepayment charges and then as described in the Note. Any applica.tioriofl:iay1neilts;insufolice proceeiis; or Miscellaneous Proceeds to principal due ui1de1· the Note shall not extend or postpone the due date, 01· change the amount, of the Periodic Payments. 3. Funds for Escrow Items. Bo!1'ower shall pay to Lender on the day Periodic Payments are due under the Note, until the Note is paid in foll, a sum (the "Funds") to provide for payment of amounts due fol": ( a) taxes and assessments and other items which can attain priority over this Security Instrument as a lien 01· encumbrance on the P1'operty; (b) leasehold payments or ground 1'e11ts 011 the Property, if any; (c) premiu1ns for any and all insurance r~q.Yir.~d by L~rnJgr 11nd1?1' Section 5; i:.inc:l{d) M<:uwi_g~ Immrance w~mlum~if.imy. 9!' J!JD' §ltl!!l.S. p~~hJ~ ~y_~grrovver to Lender in lieu of the payinent of Mot'tgage Insurance pt·emiums in accordance with the provisions of Section 10. These items are called "Escrow Items 11, At origination 01· at any time during the term of the Loan, Lender niay require that Community Association Dues, :Pees, and Assessments, if any, be escrowed by Borrower, and such dues, fees and assessments shall be an Escrow Item. Bol'fower shall prom.ptly furnish to Lender all notices of amounts to be paid under this Section. Borrower shall pay Lender the Funds for Escrnw Items unless Lender waives Borrower's obligation to pay the Funds for any or all Escrow Uems. Lende1· may waive Borrower's obligation to pay to Lender Funds for any or all Escrow Items at any time. Any such waive1· may only be in writing. In the event of such waive1\ Bonowet· shall pay dite.ctly, when and where payable, the amounts due for any Esc.t·ow Items for which payment of Funds has been waived by Lender and, if Lender requires, shall furnish to Lender receipts evidencing such payment within such time pet'lod as Lende1· may require. Borrowel"s obligation to make such payments and to provide receipts shall for all pllJ'P«?.~~s. b~ d~med to be a coven_ant an~ ttgree11!~1.~t _co_11mined in this Sec1tr!ty lnstru11.1,ent, as the p111'EtSt, 11covcnant CAUFORNIMllng!a F~mlly-Fannle Maa/F1e<ldle Moo UNIFORM INSTRUMENT a~nkars Systems™ VMP® Woller$ Kluwer FinBllOlal SaNloe~ 201903~01B.4,0,2200-,)20180529Y 007483225 Foon 8005 1/01 ™12018 Page a ol 14 PA2020-024 f hereby certify that this is a true and and agreement" is used in Section 9. If Borrower is obligated to pay Escrow Items dlrectl) . . exact copy of the Bormwer fai.ls to pay the amount due fo1• an Escrow ltem, Lender may exel'cise its dghts t oragmal. amount and Borl'ower shall then be obligated under Section 9 to repay to Lender any such By: Alyssa So~a the waiver as to any OJ' all Eso1·ow Items at any time by a notice given in accordance with Chicago Title Company revocation, Borrowot' shatl tlay to Lender all Funds, and Jn such amounts, that are then re~ Le11der may, at any time, collect and hold Funds in an amount (a) sufficient to permit Lende.r to apply the Funds at the time specified under RESPA, and (b) 110t to exceed the maximum amount a lender can require unde1· RBSPA. Lender shaJJ estimate the amount of Funds due on the basis of cul'J'ent data and reasonable estimates of expenditures of futme Escrow Items or otherwise in accordance with Applicable Law. The Funds shall be held in an institution whose deposits at'e insul'ed by a federnl agency, instrumentality, or entity (including Lender, if Lender is an institution whose deposits are so insurnd) OJ' in any Federal Home Loan .Bank. Lender shall apply the Funds to pay the Escrow Items no later than the time specified under RESPA. Lender shall not chat·ge Borrower for holding and applying the funds, annually analyzing the escrow account, or verifying the Escrow Items, tltlless Lender pays Borrower interest 011 the Funds and Applicable Law pel'mits Lender to make such a charge. Unless an agreement-is made in writing or Applicable Law t·cqulres interest to be paid on the Funds, Lender shall not be required to pay Borrower any interest 01· earnings on the Funds. Borrower and Lender can agree in wl'iting, howevel', that intetest shall be paid on the Funds, Lender shall give to BOl'J'OWer, without charge, an a1111ual accounting of the Funds as required by RE SPA. lfthete is a. sUl'plus of Funds held In escrow, as defh1ed under RESPA, Lendet· shall account to Borrower for the excess fonds in accordance with RESPA. Iftl1ern is a shortage of Funds held in escrow, as defined un.det· RESPA, Lender shall notify Borrower as required by RESPA, and 80l'rower shall pay to Lender the amount necessa1-y to make up the shot·tage in accor<iance with RESPA, but in no more than l 2 monthly payments, If the1·e is a deficiency of Funds held in escrow, as defined umlex· RBSPA, Lendet· shall notify Borrower as required by RESPA, and Bonower shall pay to Lender the amount necessary to make up the deficiency ln accordance with RBSPA, but in 110 more than 12 monthly payments. Upon payment in full of all sums secured by this Security Instrument, Lender shall promptly refund to Borrowel' any Funds held by Lender, 4, Charges; Liens. Borrower shall pay all taxes, assessments. charges, fines. and imposltlons attributable to the Property which can attain pdority overfuis Secmity Instrument, leaseho:ld payments or ground tents-on the Propel'tYi if any, and Community Association Dues, Fees, and Assessments, if any. To the extent that these items arc Esc1·ow Items, Borrower shaU pay them h1 the manner provided In Section 3. Borrower shall promptly discharge any lien which has priority over this Security Instrument unless Borrower: (a) agrees in writing to the payment of the obligation secured by the lien In a manne1· acceptable to Lendel', but only so long as Bonower is peiforming such agreement; (b) contests the lien in good faith by, or defends against enforcement of the Hen itl1 legal proceedings which in Lender's opinion ope1·ate to prevent 1he enfbrceme11t of the lien while those pl'oceedings are pending, but only until such proceedings are concluded; or ( o) secures from the hold el' of the lien an agreement satisfactol'y to Lende1· subordinating the lien to this Secu1'ity Instrument. If Lender determines that any part of the Property is subject to a Hen which can attain priority over tltls Secmity Instrument, Lender may give Borrowe1· -~ notice iden.tify~1_gJhe IJ()n, With Ip JQ_~!\YS of the d~t~_EQ ~~ich !11~! notice_ !~_ given, Borrower s~al~ satisfy 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 t'eporting service used by Lender in connection with this Loan. 6. Property Insurance, Bor1·ower shall keep the itnpl'ovements now existing or hereafter erected on the Pmpe1ty Insured against loss by fire, hazards included within the term "extended coverage," and any other hazards including, bttt not limited to, earthquakes and floods, for which Lender requires insurance. Thi.s lnsw·ance shall be maintained in the amounts (including deductible levels) and for the periods that Lender requires. What Lender requhes pursuant to the pt·eceding sentences can change dudng the tei·m of the Loan. The insurance carJ'iet' pt·oviding the Insurance shall be chosen by Borrower subject to Lender's l'lght to disapprove Borrower's choice, which right shall not be exercised unreasonably. Le11der may_ te.quire fl?lT()WC.t' to pay, i!~ ~o_nnecti?1~ ~!th t11_i~J,oan, either: (a) a one-time charge for CALIFORNIA-Single F~mlly-Fannla Mao/Freddie Mao UNIFORM INSTRUMENT Bankers SyelemstM VMP® Wollor. Kluwer Flnonclal Servlcea 2010032018,4.0.2208-J20180529Y 007483225 Fonn 3005 1 /01 04/2018 Paga 4of 14 PA2020-024 I hereby certify that this is a true and flood zone determination, certification and tt'ack!ng sel'vlces; 01· (b) a 011e-tin1e charge fo1·: .• exact copy of the certification services and subsequent charges each time remapptngs or similar changes occ0 8ragAa~al. S affect such dete11nination or certlflcation. Bo1'J'ower shall also be responsible for the paym y: ,y:3sa osa the Federal Emergency Management Agency in connection with the review of any flood z Chicago Title Company from an objection by Borl'ower. If Borrower fails to maintain any of the covel'ages descl'lbed above, Lender may obtain insura11ce coverage, at Lender's option a11d Dorrower's expense. Lender ls under 110 obligation to purchase any particular type or amount of coverage. Therefol'e, such coverage shall cover Lende1~ but might ox might not protect Bonower, Bo,·rower's equity in th~ Prnpetty, 01· the contents of the Property, against any risk, hazal'd or liability and might provide greatet· or lesse1· covtwage than was previously in effect. Borrower acknowledges that the cost of the insmanoe cove1·age so obtained might significantly exceed the cost of insurance that Borrower could have obtained. Any amounts disbursed by Lender tmder this Section 5 shall become additional debt ofBorrower secured by this Secul'ity lnstrnmcnt. These amounts shall bear interest at the Note rate from the date of disbursemeut and shall be payable, with such interest, upon notice from Lendel' to Borrower requesting payment. All insurance policles requil'ed by Lender and 1·enewals of such policies shall be subject to Lende1'1s t'lght to disapprove such policies, shall include a standat'd m01tgage clause, and shall name Lender as mortgagee and/or as an additional loss payee and Borrower fhrther agrees to generally assign rights to insurance proceeds to the holdel' of the Note up to the amottllt of1he outstanding loan balance, Lender shall have the right to hold the pollcl.es and renewal certificates, 1f Lendel' requires, Borrower shall promptly give to Lender al11·eceipts of paid premiums and renewal notices. If Bon·ower obtains any fQnn of insurance covcrnge, 11ot othel'wise required by Lende1; for damage to, 01· destruction of, the Property, such policy shall include asta11da.l'd mortgage clause and shall name Lender as mortgagee and/or as an additional loss payee and Bonower further agrees to generally assign l'ights to i11surance proceeds to the holder of the Note up to the amount of the outstanding loan balance. Tn the event oflbss, Borrower shall give p1'ompt notice to the insurance carrier and Lender. Lender may make proof of loss if not made promptly by Bm·l'ower. Unless Lendel' and Borrower othe1wise agree in wliting, any insurance proceeds, whether or notthe underlying insurance was requll'ed by Lender, shall be applied to restomtio11 or repail' of the Propel'ty, if the restoration or repair is economioally feasible and Lender's security is not lessened, During such rnpair and restoration period, Lende1· shall have the right to hold such insurance pl'Oceeds until Lendei' has had an oppo1tunity to inspect such Pl'operty to ensure the work has been completed to Lender's satisfaction, provided that such li'isp·ectlon sht1ft be u11dertake11 promptly. Lender may disburse proceeds-for the repairs and restoration in a si11gle payment or in a series of progress payments as the work is completed. Unless an agi·eement ls made in writing or Applicable Law requires intel'est to be paid on such insurance proceeds, Lende1· shall 11ot be required to pay Bot't'ower a11y i11te1'est or ea111i11gs on such proceeds. Pees for public adjusters, or other third parties, rctainecl_ by Borl'ower shall not be paid out of the insurance procccos and shall he the sole obligation of Bofrower. If the resto1·ation 01· repail' is not economicalJy feasible or Lender1s secul'ity would be lessened, the insurance proceeds shall be applied to the sums seoul'ed by this Security Instrument, whethet· or not then due, with the excesst if a11y, paid to Borrower. Such insurance proceeds shall be applied h1 the order provided for in Section 2. If Bot'rower abandons the P1·operty1 Lender may file, negotiate and settle any available insurance claim and related matters. If Bor1·ower does not respond within 30 days to a notice from Lender thafthe insurance carrier has offered tQ..S~ttl~ fJ:. ~J!1in1, th~m t&n.d(;lr nrny negot.!aj;~ Jmd ~!tlQ th~. c.la.JJ:n, T!1e 30:4~y_1:,e,r.io_4 w.W b~gJ~. w~~n the nCltice is .. given. 1n eithe1· event, or if Lender acquires the Propc1ty under Section 22 or otherwise, Borrowel' f\ereby assigns to Lcndet· (a) Borrower's rights to any insurance proceeds in au amount not to exceed the amounts unpaid under the Note or this Security Instrument, and (b) any other of8orrowe1·1s rights (other than the rightto any refund of unearned pl'emiums paid by Boirower) under all insurance policies covering the Property, lnsofo.1· as such rights are applicabh, to the coverage of the Prope1'ty, Lender may use the insura11ce proceeds either to repair or l'esto1·e the Property or to pay amounts unpaid under the Note or this Security Instrument, whether or not then due. 6. Occupancy. Borrower shall occupy, establish, and use the Property as Borl'ower's principal residence within 60 day$ after the execution of this Sectll'ity h1strument and shall continue to occupy 1he Prope1iy as Borrower's pdncipal residence for at least one year after the date of occupancy, unless Lender othe1wise agl'ees in writing, which consent shall not be u11l'easonably withheld, or unless extenuating circumstances exlst which are beyond Bonowets control. C/ILIFORNIA.-Slngla ~~mly-feonla Mae/Freddie M~o \JNleORM INSTRUMENT Ban~ere Systems™ VMP® Wolt•rs Kluwer Financial Se1Vlces 2019032018.4,0,2200-J20180628Y 007483225 Form 3006 1/01 01/2018 Pa906of14 PA2020-024 I hereby certify that this is a true and exact copy of the 7. Preserv~tion, Maintenance and Protection of the Property; Inspections. B<original. damage 01· hnpair the Pl'operty, allow the Pl'operty to deteriorate or commit waste on the P By: Alyssa Sosa Borrowel' is r~siding in the Property, Borrower shall maintain the Prope1ty i11 order to pi-e, Chicago Title Company deteriorating o:r decreasing 111 value due to Its condition. Unless it is determined pursuant t restoration is not ecQnomically feasible, Borrower shall promptly t·epair the Property if dama:gcu m avu1u 1w·mer deterioration or damage, If insurance 01· condcmnatlon proceeds are paid in connection with damage to, 01· the taking of, the Property, Borrower shall be responsible fo1• repalt'lng or restoring the Property only if Lender has released proceeds for such purposes. Lender may disburse proceeds for the repail's and rnstoration in a single payment 01· in a series of progi-ess payments as the work is completed. If the insut"ance ot· condemnation proceeds are not sufficient to t'cpalr or 1·estore the Prope1'ty, Borrower is not i·elieved of Borrower's obligation fo1• the completion of such repair or. restoration. Lende1· 01· its agent may make i·easonable entries upon and inspections of the Property. Ifit has reasonable cause, Lendet may inspect the interior of the improveme11:ts on the Property. Lender shall give Bonower notice at the time of or pl'iol' to such an interim· inspection specitying su.ch reasonable cause.· 8. Borrower's loan Application, Borrower shall be in default if, during the Loa:11 application pl'Ocess, Borrower 01· any perno11s 01· e11tities acting at the direction of Borrower 01· with Bot'l'ower's know ledge or consent gave mate1'ially false, misleading, or inac.curate information or statements to Lender (or failed to p1·ovide Lender with material infol'tnation) in connection with the Loa11. Material representations include, but are not limited to, rep1-esentatlo11s concerning Borrower's occupancy of the Pl'Operty as Borrower's principal residence, 9. Protection of Lender's Interest in the Property and Rights Under this Security Instrument. If (a) Bort·ower fails to perfol'ln the covcnatHs and agreements contained in this Security !nstmmet1t, (b) there is a legal p1·oceeding that might significantly affect Lender's Interest in the Pmperty and/or rights under this Security Instrument (such as a proceeding in bankruptcy, probate, fol' condemnation or forteiture, fol' enforcement of a lien which may attain pl'lority over this Security InslJ:ument ot to enfol'oe laws or regulations), or (o) Botrower has abandoned the Pl'operty, then Lender may do and pay fot• whatever is rea,.qonable or approp1·iate to protect Lender's interest in the P.roperty and rights under this Secul'ity Instrument, ini,luding pmtecting 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 lien which has priority over this Secudty Instmment; (b) appearing in court; and (c) paying reasonable attomeys1 foes to protect its interest in the Pxopett)' . .andlor 1'ights _under this Seimdty I11s:t11m1ent~Jncluding iw. secut'~d. position in a bankruptcy prnceeding. Securing the Property includes, but. is not limited to, enterh1g the Property to make 1·epairs, change locks, 1·eplace or board up doors and windows, dJ'ai11 water from pipes, eliminate building or other code violations oi• dangerous conditioi1s, and have utilities tumed on 01· off, Although Lender may-take action under this Section 9, Lender does not have to do so and is not under any duty 01· obligation to do so. It is agreed that Lender incurs no liability fol' not taking any or all actions authorized under this Section 9. Any amounts disbursed by Lendet' undet· 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 dlsbmsement and shall be payable, with such interest, upon notice from Lende1· to Borrower requesting payment, If this Security Instmme11t is on a leasehold, Borrower shall comply with all the pt'ovisions of the lease. if Borrower acquiJ'es fe.e .title tQJhe Prnpfil'ty. U1e le6seh old flmt1l~ J~~ titl~J,hQ.ll not m~r.@ yµless. I"-~11der !l.gr~~~ to the mergel' in_ --· wxiting. 10. Mortgage Insurance. If Lender required Mortgage hlsura11ce as a co11ditlon of making the Loan, Bmrnwer shall pay the premiums l'equired to maintain the Mortgage Insurance in effect, If, for a11y i·eason, the Mo1tgage Insurance coverage required by Lende!' ceases to be available from the mortgage insul'er that proviously provided such insurru1ce and Bot'!'ower was required to make separately designated payments toward the premiums for Mm'tgage Insurance, Borrowe1· shall pay the premiums required to obtain coverage substru1tially equivalent to the Mortgage Insurance previously in effect, at a cost substantially equivalent to the cost to Borrower of the Mortgage Insul'ance previously in effect, from an alternate mo1tgage insu1'e1· selected by Lender. If substantially equivale11t Mo1'tgage Jnsmance coverage is not available, Borrower shall continue to pay to Lender the amount of the separately designated payments that were due when the insurance covemge ceased to be h1 effect. Lender will accept, use and retain these payments as a non~ 01\UFORNIA.Slngle Famll)I-FannlO Mae/Froo~le Mat UNIFORM INSTRUMENT BarMra Syatems'" VMP® Wollers l<\uwor Flnanclal Servlooo 2019032010.4.0,2200.J20180528Y 007483228 Fon~ 3000 1/□1 04/2018 Page8of 14 PA2020-024 I hereby certify that this is a true and l'efm1dabl.e loss reserve i11 Heu of Mmtgage lnsumncc. Such loss reserve shall be no1Hefur . . exact copy of the fact that the Loan is ultimately paid in full, and Lender shall not be required to.pay B01'1'0\1oragmal. on such loss reserve, Lender can no longer 1·eqnfre loss rese1·ve payment..ci ifM01igage lnsuBy: Aly_:Ssa So~a amount and for the period that Lender requires) provided by an insurer selected by Lender Chicago Title Company is obtained, and Lende1· l'equires separately designated payinonts toward the premiums for _ _ . Lender required Mortgage Insurance as a condition of making the Loan and Borrower was required to make separately designated payments toward the premiums for Mortgage Irnnu·ance, Borrower shall pay the premiums required to maintain Mortgage Insurance in effect1 or to provide a non-refundable lo$S reserve, until Lende1·1s 1·equiremcnt fo1· MOJ'tgage InsU!'ance ends in accordance with any written agr.eement between Borrower and Lender providing for such termination or until termination is requh'ed by Applicable Law. Nothing in this Section 10 affects Borrowel''s obligation to pay Interest at the 1•ate provided in the Note. Mortgage Insurance l'eitnburses Lender (or any entity that pmohnses the Note) for certain losses it may incur if Borrower does 11ot repay the Loan as agreed. Borrowel' is not a party to the Mortgage Insurance. Mortgage insurers evaluate theit' total risk on all such lnstll'ance in force from time to time, and may enter into agl'eements with other parties that share or modify theil' risk; or reduce losses. These agreements are on terms and conditions that are satisfactory to the mortgage i11sure1· and the other party (or patties) to these agreements. These agreements may requi~·e the mortgage Insurer to make payments using any som·ce of funds that the mortgage insurer may have available (which may include funds obtained from Mortgage lnslU'ance premiums). As a result of these agreements, Lender, any purchaser ofthe Note, another insurer, any reinsure1·, any other entity, or any affiliate of any of the foregoing, may receive (directly orindirectly) amounts that de1·lve from (or might be characterized as) a portion of Bonowel''s payments fo1• Mol'tgage Insurance, in exchange for sharing Ol' modifying the mortgage I nsure1·1s risk, m· reducing losses, If such agi'eement provides that an affiliate ofLendc1· takes a share of the lnsut·er's risk in exchange fol' a share of the premiums paid to the insurer, the arrangement is often termed 0capt\ve reinsmance.11 Further: {A) Any such agl'eements will not affect the amounts that Borrow'lll' bas agn•eed to pay for Mortgage .Insurance, or any otlllel' ¢er.ms of the Loan. Suc]a ag1·eemcnts will not increase the amount Borrower wm owe for Mortgage Insurance, and they wm not entitle Borrower to any refund. (B) Any such agreements will .not affect the rights Borrower has -if 1my -with rrespect to the Mortgage llasurnnl!il.nmde.r the Homeowners Protection Act of 1998 nr myoth.er faw, These rights·mny indude the right to receive certain disclosures, to request and o~tsin cancellatnon of the Mortgage Insunmce, to have the Mortgage Insurance terminl!lted irntomatkally, and/or to receive a refund of any Mortgage Insurance prendu:nts tlrnt werlil Ullllearned at the time ofsm:h cancellation m· termination. 11. Assignment of Mlscellaneous Proceeds; Forfeiture, All Miscellaneous Proceeds are hereby assigned to and shall be paid to Lender. If the Prope11y is damaged, such Miscellaneous Proceeds shall be applied to restoration or repail' of the Prope1ty, if the !'estoration 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 P!'Opel'ty to ensUl'e the work has been completed to Lender's satisfaction. provided that such inspection shall be undertaken promptly; Lender may pay for the repairs and restot'8.tfon in a single disbursemel'l.h~l.' ht a ~-erie~ of progress payments as the wot·k is completed. Unless an ag1·cement is made in wl'iting 01· Applicable Law requires interest to be paid on such MlsceHaneous Proceeds, Lende1· shall not be required to pay Borrower any interest or ea1'l'lings on· such Mlscellaneous Prnceeds. If the restol'atio11 ot l'epair is not economically feasible or Lender's security would be lessened, the Misce1laneous Proceeds shall be applied to the sums secured by this Secul'ity Instrument, whether or not then due, wlth the excess, if any, paid to B011"ower. Suoh Miscellaneous Proceeds shall be applied in the order provided foi· in Section 2. In the event of a total 1aking, destmction, or loss in value of the Pl'Operty, the Miscellaneous Proceeds sha11 be applied to the sums secured by this Security Instrument, whether or not then due, with the excess, if any, paid to Bor1·ower, CALIFORNIA-Single Familv•Fannla M~e/Fred<ll~ Mao UNIFORM INSTRUMlaNT Bankera Syeteme'" VMPl'll Willers Kluwer !=lnar:tlal Services 2010032016,4,0.2200.J20180629V 007483225 Form 3005 1/01 04/2018 Page7 of 14 PA2020-024 I hereby certify that this is a true and In the event of a partial taking, destruction, or loss in value of the Prnpe1'ty in which the fa I i e~act copy of the Prope1·ty immediately before the partial taking, destruction, or loss in value is equal to or Eor g na • the stuns secured by this Security Instrument immediately befoi·e the partial iakfag, destm By: Alyssa Sosa BorJ'ower and Lender otherwise agree in wdth1g, the sums secured by this Security lnsu·m Chicago Title Company amount of the Miscellaneous Proceeds multiplied by the following fraction: (a) the total a, immediately before the partial taking, destrnction, or loss i11 value divided by (b) the fair mat'kct value of the Property immediately before the paltial taking1 destruction, 01· loss in value. Any balance shall be paid to Borrowel'. In the event of a partial taking, destruction, or loss in value of the Pro petty in which the fair market value of the Property immediately .before the partial taking, destruction, or loss in value is less than-the amount of the sums secured immediately before the partial taking, destrnction, or loss .In value, unless Borrower and Lender otherwise agree in writing, the Miscellaneous Proceeds shall be applied to the sums secUl'ed by this Secudty Instrument whether or not the sums are then due, If the Property Is abandoned by Bor1·ower, or if, after notice by Lender to Borrower that the Opposing Party (as defined in the next sentence) offers to make an award to settle a. claim for damages, Borrowel' fails to respond to Lender within 30 days after the date the notice is given, Lender is authorized to collect al1d apply1he Miscellaneous Proceeds either to restoration 01· repair of the Property or to the sums secm·ed by this Secul'ity Instrument, whethe1· or not then due. "Opposing Party'' means the third party that owes .Bot'rower Miscellaneous Proceeds 01· the party against whom Borrower has a right of action in regard to Miscellaneous Pmoecds. Bol'rower shall be in default if any m:tion 0l' p1·oceeding, whether civil or criminal, is begun that, in L;ender's judgment, could result In forfelture of the Property or other material impairment of-Lender's intet'est in the Property or rights under this Security Instrument. BorrQwer can cure such a. default and, if accele.ration has occur1·ed, reinstate as· pl'O'.!Jded in Section 19, by causing the acrion or proceeding to be dismissed with a ruling that, in Lender's judgment, precludes forfeiture of the Prope1ty or other material impairment of Lender1s interest in the Pmpe1'ty or fights under this Security lnstt'ument. The pl'oceeds of any award or claim for damages that are attributable to the impairment of Lender's interest in th~ Propel'ty are hereby assigned and shall be paid to Lender, A!l Miscellaneous Proceeds that are not applied to restoration or ·repair of the Property shall be applied in the ordel" provided for in Section 2. 12. Borrower Not Released; forbearance By Lend@a· Not a Waiver. Extension of the time for payment or mod ifl:catiort of amo1•t1zation of the -sums secU1'ed by this Security Instrument granted by Le.nder io Bon·awer or any Successor in I:nte1·est of Borrowel' shall not operate to release the liability of .Borrowe1· 01· any Successors In Interest of Borrower. Lender shall not be required to commence proceedings against any Successor ln Interest of Borl'ower 01· to refuse to extend time for payment or otherwise modify amortization of the sums secured by this Secu11ty_lns:tt"tun~nt _ by reason of a11y detnan.d iriade by -tliecfrigina1Borro~•e1~cir any-Successors Tn fnterest of B011ower. Any forbearance by Lender in pxercising any right or remedy Including, without limitation, Lender's acceptance of payments from third persons, entities or Successors in Interest ofBotwwer or in amounts less than the amount then due, shall not be a waive1' of or preclude the exercise of any right 01· remedy, 13. Joint and Several liability; Co-signers; Successors and Assigns Bound. Borrower covenants and agrees that Borl'Ower's obligations and liability shall be joint and several. However, any Bo1'1'ower who co-signs this $~c_1.1rlty In~tmme11J; !.mt !;fg_~~ 11ot 1;J'.lf:1,:_<m.t1;1 th~ Note(a 11co~sjg11_~·''t (I!} is '!.Q:~l@i11g this S.~':Jl!l'ity !!lll!tµment only_ to mortgage, grant and convey the co-signer's interest in the Property under the terms ofthls Security instl'ument; (b) is not personally obligated to pay the sums secured by this Security lnstrnme11t; and (c) agrees that Lender and any othel' Bol'rower can agree to extend, modify, forbear or make any accommodations with regard to the terms of this Security Instrument 01· the Note without the co"signe1·'s consent. Subject to the provisions of Section 18, any Successor in Interest of Borrower who assumes Borrower's obligations undel' this Security Instrument in wl"iting, and is approved by Lende1~ shall obtain all of Borrower1s rights and benoflts ut1dl;lr this Security Instrument. Borrower shall not be released from Borrower's obligations and liability under this Secmlty Instrument unless Lender agrees lo such l'elcasc In writing. The covenants and agreements of this Security Instrument shall bind (except as provided in Section 20) and benefit the successo1·s and assigns of Lender. OALIFORNIA·Slngle F~mlly•Fnm!o Mee/Fred ill• Mno UNIFORM INSlRUMENT Ban!(ooi Systems'" VMP® Wollors 1<1uwer Flnonllfal Servloos 201$032010.4,0.2200,J2018062eY 007483226 FOfm 3006 1 /01 0412018 Page BofH PA2020-024 I hereby certify that this is a true and exact copy of the 14. Loan Charges. Lender may chal'ge Bofl'ower fees for services performed in con11ecoriginal. fo1· the purpose of p1·otecting Lender's interest in the Property and rights under this SecuritBy: Alyssa Sosa but not limited to, attomoys' fees, property Inspection and valuation fees. In regard to any Chicago Title Company exp1·ess authority ln this Sccurlty Instrument to charge a specific foe to Bon·ower shall not on the charging of such fee. Lender may not charge foes that are exprrassly prohibited by this .:,ecumy m1mumem or oy Applicable Law. If the Loai1 is subject to a law which sets maximum loan charges, and that law is finally interpreted so that the httel'est or other loan charges collected or to be collected in connection with the Loan exceed the pennitted limits, then: (a) any such loan charge shall be reduced. by the amount necessary to reduce the charge to the. permitted limit; and (b) any sums already collected from Borrower which exceeded pet'mitted 1im its will be rnfunded to BOl'rower. Lender n'l.ay choose to make this reftmd by reducing the principal owed under the Note. or by making a direct payment to Borrower. If a l'efund reduces p1facipal, the reduction will be treated as a partial prepayment wlthout any prepayment charge (whether or not a prepayment charge is provided for unde1· the Note). Bortowcr's acceptance of any such refund made by direct payment to Borrower will constitute a waive1· of any right of action Borrower mlght have al'ising out of such overcharge. 16. Notices. All notices given by Bm·mwer 01· Le11del' in connection with this Security Instl'Ument must be in writing. Any notice to Borrower in connection with this Security Instrument shall be deemed to have bee1l given to Borrowel' when mailed by first class mail 01· when actually de! ivered to Borrower's notice address if sent by other means. Notice to any one Bonowel' shall constitute notice to all Borrnwers unless Applicable Law expressly requires otherwise. The notice address shall be the ·Property Addl'ess unless B0l'l'ower has designated a substi1ute notice address by notice to Lender, Borrower shall promptly notify Lender of Borrowe1·1s change of addl'ess, If Lender specifies a procedure for repmting Bon-ower's change of address, then Borrower shall only repo1t a change of address through that specified procedure. There may be only one designated notice address under this Security Tnstrnment at any one time, Any notice to Lender shall be given by deliveri11g it or by mailing lt by first class mail to Lender's address stated herein unless Lender has designated another address by notice to B01'l'Owe1·. Any notice In connection with this Security Instrument shall not be deemed to have been given to Lender until actually received by Lender. If any notice required hy this Security Instrument is also required under Applicable Law. the Applicable Law requirement will satisfy the co.rrespondlng requirement tinder this Security Instrument. • 16. Governing Law; Severabllity; Rule.a ofConstmctlon. This Secudtyins!l.'wnentmmllb~gQVemed by federal law and the law of the jgl'isdiction in which the Property is located. All rights and obligations contained 111 this Security Instrument are subject to any l'equit'ement.s and limitations of Applicable Law. Applicable Law might explicitly ot· implicitly allow the pa1'ties to agree by contract or it might be silent, but such silence shall not be construed as a prohibition against agreement by contract.In theeventthatanyprovisionor-clauseofthis Secul'ity Instmtnent or the Note con:t1icts with Applicable Law, such conflict shall not affect other provisions o:fthis Security Instmment or the Note which can be given effect without the conflicting 1,rovision. As used in this Security lnstrnment: (a) words of the masculine gender shall mean and include corresponding neuter words or words of the feminine gender; (b) words in the singular shall mean and include the plural and vice versa; and (c) the word 11may" gives sole discretion without any obligation to take any action. 17_. BorrnWC;!D''$ Copy. B.mTow.ei· llhull b~givim ~llf;l QQ,PY: gf tiw N<,Jt~ and onN!> ,Sf;lC'!,trity Jrn,14·111:r1~nt, .. 18. TB"ansfer of the Property or a Beneficial Interest in Borrower, As used in this Section 18, "Interest in the Propr1rty" means any legal or beneficial interest in tl1e Pmperty1 includit1g1 but 11ot limited to, those beneficial interests transferred in a bond for deed, contract for deed, installment sales contract 01· escrow agreement, t~e intent of which is the transfer of title by Borrower at a. futu1'e date to a purchaser, If all or any part of the P1·operty Ol' any Interest ht the Propel'ty is sold or transferred (01· ifB01'rowe1· is not a natural person and a beneficial interest in Bol'rower is sold 01· transfert'ed) without Lender's prior written consent, Lendel' may require immediate payment in full of all sums secured by this Security Tnstmment. Howeve1~ this option shall not be exel'cised by Lender If such exercise is prohibited by Applicable Law, CALIFORNIA-Sing!& Famlly-Fannl<l Mee/Fmddlo Mao lJNIFORM INSTRlJMENT Bnr,kors Sy•tem•'"' VMP® \Millem l<luwor Financial Se!Vloos 201003201n,.1.0.220ll•J20180528Y 00'/483226 ronn 3005 1/01 04/2018 Page9of 14 PA2020-024 I hereby certify that this is a true and If Lender exel'cises this option, Lemler shall give Borrower notice of acceleration. The no1 . exact copy of the not less than 30 days from the date the notice is given in acco1·dance with Section 15 with1orsginal. all sums secured by this Security l11stn1ment. If .Borrower fails to pay these sums prior tot By: Alyssa Sosa Lender may Invoke any remedies permitted by this Security lnst.rument with~ut further no Chicago Title Company 19. Borrower's Right to Reinstate After Acc:eleratlon. If Borrower meets certain conom,ons, Horrower snau have the right to have enforcement of this Security lnstrument discontinued at any time prior to the earliest of: (a) five days before sale of the Prope1ty pu1'sua11t to any power of sale contained in thts Security Instrument; (b) such other period as Applicable Law might specify for the termination ofB01·rnwe!'1s l'ight to 1·ei11state; or (c) entry of a judgment enforcing this Security 111strument. Those conditions are that Bo1·J·owe1·: (a) pays Lender all sums which then would be due under this Secul'ity Instrument and the Note as if no accele.l'atfon had occurl'ed; (b) cures any default of any othei· covenants or agreem~nts; (c) pays all expenses incut1·ed in enfo1'ch,g this Security Instrument, including, but not Um lted to, reasonable attorneys' fees, property inspection· and valuation fees, and other fees in.curred for the purpose of prntectlng Lender's interest in the Prope1iy and rights unde1· this Security Instrument; and ( d) truces such actio.11 as Lender may reasonably require to assure that Lender's interest in the Propc1ty and rights under this Security Instrument, and Borrnwer's obliga'lion to pay the sums secured by this Security Instmment, shalt continue u11chahged, Lender may require that Bort•ower pay such reinstatement. sums and expenses in one ot· more of the following forms, as selected by Lender: (a) cash; (b) money order; (c) certified check, bank check, t1·ea.c;urer's check or cashier's check, p1·ovided any such check is dra,1V11 upon an institution whose deposits a1·e insured by a federal agency, instrumentality or entity; or (d) Electronic Funds Tl'ansfer. Upon reinstatement by B01mwer, this Security Instrument m1d obligations securnd hereby shall 1·emain fully effective as if no acceleration had occurred, However, tlils 1·ight to reinstate shall not apply in the case of accelet·atlon under Section 18, 20. Sale of Note; Change of Loan Servicer; Notice of Grievance. The Note or a pmtial interest in the Note (together with this Security Instrument) can be sold 011e or more-times without pl'ior notice to Borrower. A sale might t'esult in a change in the entity (known as the "Loan Servicer") that collects Periodic Payments due under the Note and this Sectll'ity Instrument and performs othel' mortgage loan servicing obllgations under the Note, this Security Jnstrument, and Applicable Law. There also might be one or more changes of the Loan Sel'vlcer unrelated to a sale of the Note. If the1·e l.s a change of the Loan Servicer, Borrowe1· wUI be give11 wt·ltte.11. notice of the change which will state the 11ame and address of the new Loan Sel'vicer, the address to which payments should be made and any other information RESPA requires in co1mection with a notice of11'ansfor of servicing. If the Note is sold and thereafter the Loan is .serviced by. a Loan Servlcru· .othe1· than the pu1·chnser of the Note. the ulQi:tgag~JQan servicing Qb ligatk>_11s tQ . Borrower will remain with the Loan Se1•vicer or he transferred to a successor Loan Servicet· and are not assumed hy the Not~ pul'chaser unless otherwise p.t·ovided by the Note prn·chaser. Neither Borrower nor Lender may commence, Join, or be joined to any judicial action (as eithc1· an individual litigant -or the member ofa class) thata1ises from-tl'l1fl>thefpa1-ty1s actions ptll'suanfto-this S.ecurily Instruine11t 01· thafiilleges that the othet' party has breached any provision of, o.r any duty owed by reason of, this Security Instrument, until such Bot'rowe1· or Lender has notified the other party (with such notice given in compliance with Che requh-emcnts of Section 15) of such alleged breach and affo1·ded the other party hereto a rea..<1onable period after the giving of such notice to take col'l'cctive action. If Applicable Law prnvides a time pel'iod which must elapse before certain 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 Borrower pursuant to Section 22 and the notice of acceleration given to Bon·ower pursuant to Section 18 shall be deemed to satisfy the notice and opportunity to take cor1:ective aetim1 provisions of this Seetton 20. 21. Hazardous Substances, As used in this Section 21: (a.) "Hazardous Substances" are those substances defi11ed as toxic or hazardous substances, pollutants, or wastes by Environmental Law and the followi11g substances: gasoline, kerosene, other flammable or toxic petroleum products, toxic pesticides and herbicides, volatile solvents, materials containing asbestos 01· formaldehyde, and radioactive materials; (b) "Environmental Law" means fedel'al laws and laws of the Jurisdiction where the Property is located that 1·elatc to healtll, safety 01· enviromnental protection; (c) "Environmental Cleanup" includes any response action, remedial action, or removal action, as defined in Environmental Law; and ( d) an "Envitonmental Condition" means a condition that can cause, co11trlbute to, or otherwise trigger an Environmental Cleanup. CALIFORNIA-Single FamlJy.Fannle Mae/Freddie MllO UNIFORM INSTRUMENT Bankern syatem&n• VMP® Wolteni !(l~w•r Financial Services 201903201$.4,0,22(lf;l.J20180GWY 007483225 Ferm 30051101 0412018 l'ege 100114 PA2020-024 I hereby certify that th is is a true and Bor!'ower shall not cause 01· pe1·mit the presence, use, disposal, storage, or 1·elease of any f . . exact copy of the or threaten to release any Hazardous Substances, on or in the Property. Bonower shall not orngmal. else to do, anytl1ing affecting the Property (a)'that ls in violation of any Environmental L1r By: Alyssa Sosa Environmental Cond1tion, or (c) which, dtte to the presence, useJ or release of a Haza!'dorn Chicago Title Company condition that adversely affects the value of the Property. The preceding two sente11ces shi __ . . use, 01· storage on the Property of smal.1 quantities of Hazardous StJbstances that are generally 1·ecognlzed to be appropriate to nonnal residential uses and to maintenance of the Prnperty (including, but not limited to, hazardous substances in consumer products). Borrower shall promptly give'Lende1· wr.itte.n notice of (a) any investigation, claim, demand, lawsuit 01· other action by any governmental or regµlatory age11.cy 01' pl'ivate p1;1rty involving the Property and any Hazal'dous Substance or Envirnnmental Law of which Borrower has actual knowledge, (b) any Environmental Condition, including but not limited to, any spillh1g, leaking, discha1ge, l'elease or t111'eat ofrelease of any Hazardous Substance, and (c) any condition caused by the presence, use or release of a Hazat'dous Substance which adversely affects the value of the Property. Tf BOl'rower leams, or is notified by any govei:runental 01· regulatory authority1 or any ptivate party, that a11y removal or other remediation of any Hazardous Substance affecting the Pmperty Is necessaiy, Borrower shall pl'omptly take all ne~ssary 1·emedial actions in accordance with Enviromnent:al Law. Nothing herein shall create any obligation 011 Lender for an Environmental Clea11up. • ~on-Uniform Covenants. Borrower and Lende1· fluther covenant and agree as follows: 22. Acceleration; _Remedies. Lender shall give notice to Bonower prior to acceleration following 1Jonower1s breach of »ny covenant or agreement in this Secm:ity Instrument (but mot prior to acceforation under Section 18 111nless AppUcable Law provndes otherwise). The notice shall specify: (11) the defauJt; (b) the action required to cure tl!te default; (c) 2 date, 111ot le..'ls than 30 days from the dnte tllle notice is given to Borrower, by which the dll}fault must be cured; and (d) that faUmre to cure the default on ot before the date specified in the notice may rc1mlt in accelerution of the sums secured by this Security Instrument and sale of Uae Pror,erty. The notice shall furtlrnr inform Bon·ower ofthe right to reinstate after acceiel'ation and the right to bring a coo.rt action to 11.Ssert the non-existence oi' n defauBt or any ot]1er defonse of Bonower to uccelerntion and sale, Tf the default is !ll0t cuued 011 01· before tile date specified! in the notice, LcH1de11" at its option may .require immediate payment !11 full of an sums secured by this Security Instru.mcxat without furtber demimd imd may hivol,e the power of safo and any other remedies permitted by Applicab»e Law, Lender sludl be entitled to collect an expenses incurred in pursuing the 'fem.edits p1·ovlded brthis Section 22, indnding; 'lmt not limited to, :re1nsonuble attorneys' fees nnd· costs of tit1e evidence. It'Lendet invokes the power of sale, Lender shan execute or cause Trustee to execute a written notice ofthe· occurrence ofan eventofclefault-and of Lender's election to cause the Property to-be sold.-Ti•111stee slnallcause tftftis notice to be recorded in cacll county in which any piu·t o:ftlae Properfy is located!. Lender or 'flrustee shall mail copies of the notke 1H11wescribed by Applicable Lnw to Borrower and to the othc1· persons prescribed by Applicable Lnw, Trustee shall give public notice of sale to the persons and in the manner prescl'ibed by Applicable Law. Mter the time requh'ed by Applicable Law, Trustee, without demand on Borrowe1; shaU s~U t!:be Property at p11blic uuction to the highest bidder at the time and place and under the te1·ms designated i1n the notice of sale in one or more parcels and in any order Trustee determines. Trustee may postpone sale of all !ff ~ny t>~r<:!ll .9.fth_Q frnp~rfl' ~Y Pl:l~IJ~ l!l!~o11nc~!nent !'.!. !_he tin_~(,l ~J.ld. ~!a~e of any preyi()usly sche~t1fod sal~'. . Lender or its dcsignee may pul'chase the Plt'operty at any sale. Trustee sllall deliver to the purchaser Trustee's deed conveying the Property without any covernant or warl'anty, ex:1n·essed or impUed. The recitals in the Trustee's deed shaJI be prima mcie evidence of the tl'uth of the stat~ments made tlaerein. Trustee shall apply the pmceeds of the sale in tlhe following order: (a) to au expenses of the sale, including, but not limited to, reasonable n·ustee's and attorneys' fees; (b) to al! sums securecll by this Security Instrument; and (c) any excess to tile person or persons legally entitled to it, 23. Reconveyance. Upon payment of.all sums secured by this Security 'Instrument, Lender shall request Trustee to reconvey the Prope1ty and shall sun-ender this Security Instrnment and all notes evidencing debt secured by this Security Jnstnunent to Tmstee. Trustee shall recon vey the Property without warranty to the person 01· pe1·sons legally e11tiJ!ed. t<> .i.t! te11de1· inay charge such per~'?n or pers.o~s 11 ~:£fl8.C)11fl~lefee. fo~ r~conveying the Propel'ty, but O!lly if the CALIFORNIA•Slngl8 f(lmlly-Fannla Mi:ie/Freddle Mac UNIFORM INSTRUMENT Ba11l1e/8 Systems'" VMP® Woll0rs Kluwarl'/nanolal Stl!Vloes 201Q08201D.4.0.220B·J20180529V 007483226 Form 3005 i/D1 0412018 Page11of14 PA2020-024 I hereby certify that this is a true and fee is paid to a third party (such as the Trustee) for services rendered and the charging oft . . exact copy of the Applicable Law. lf the fee charged does not ex:cecd the fee set by Applicable Law, the fee ortgmal. be reasonable. By: Alyssa Sosa Chicago Title Company 24. Substitute Trustee. Lende1·, at Its option, may from time to time appoint a successi: appointed hel'et111de1· by a.11 instrument executed and acknowledged by Lender and reco1'deu m un: lH.UI,;\;; m uio Recorde1· oftbe county ill which the Pl'opel'ty i.s located. 'the lnstrume11t shall contain the name of the original Lender, Trnstee and Bon'Ower, the book and page where this Security Tnstrnment is recorded and the name and addl'ess of the successo1· tmstee. Without conveyance of the Pl'Operty, the successor tmstee shall succeed to all the title, powel's and duties conferred upo11 the T1·ustee hel'ein and by Applicable Law. This procedure for substitution of trustee shall govern to t11e exclusion of all other provisions for substitution. . 25. Statement of Obligation Fee. Lender may collect a fee 11ot to exceed the maximum amouht pennitted by Applicable Law for furnlshlng the statement of obligation as provided by Section 2943 of the Civil Code of California. The undersigned Bo1·1·owe1· requests that a copy of any Notice of Default and any Notice of Sale uncie1· this Security Instrument he mailed to the Borrower at the address set forth above, A copy of any Notice of Default and any Notice of Sale will be sent only to the address contained in this recorded request. lf the Borrower's address changes, a new request must be recorded. BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this Security Instrument and in any Ride1· executed by Bot·rower and J'ecorded with it, Borrow~.w Seal OALIFORNIA·Slngle fomlly-Fannln Mae/f'reddle Mao UNIFORM INSTRUMENT Bsnl1Brs Sys(omsm VMP® Wollers Kluwer F.'f1af'l¢Tal 6e1Vices 201G032018;4.0,2208.J201 B0529Y 001483226 form 30051101 04/2010 Page 12 of 14 PA2020-024 I hereby certify that this is a true and exact copy of the A notal'y public 01• othm· officer completing this ce1tit1cate verifies only the identity o :ri?!rr~s sa the document to which this certlf1cate is attached, and not the trnthfulness, accuracy,< y. C~ca~!tme Company State of California County of () Ir a N 'I e On A::I 3 h,-A ;~ 11 :)I.) Ii -···--, before me, -~11:J ,:·/{ ./J. C:· 1,ptd ::n.. , Notary Public, personally appeared Mark Kelegian , who proved to me on the basis of satisfactory evidence to be the person(s,j whose natne(ii) is/are subscribed to the within instrument and acknowledged to me that he/sl:ie,ltluJ.y executed the same in his/hei~ authorized capacity(ies), and ci1at by his/h@t¥-thetr signature(~) 011 the instrument the person($), or the entity upon behalf of which the person(}!) acted, executed the lnstl'utnent. I certify under PENALTY OF PERJURY under th.e Jaws of the State of Callfomia that the foregoing paragraph is true and correct. WITNESS my hand and official seal. -- A~~-~ JAC!<. H. CROUL ,JR -::ri COMM.#2Wl856 ~ NOTARY PUBLlf; • CALIFORNJAfil ORANGE COUN1Y 0 COMM. EXPIRES JUNE 29~~ ·-..J .\.\ c I< ;/. (' ,,. t-t-t I :.n,·, (Print Name) My coininission. expil'es: ~Tu. Nit. _-t.tt ,ili I 9----- CALIFORNIA·Slr,gle Family-Fenn!~ Ma~raddia Mac UNIFORM INSTRUMENT aenkers Systems'M VMP® • Walters Kluwer Flnanclal Sa<vlaea 2019032016.4.0.220s-J20100529Y 007403225 P'orm 3005 1/01 04/2018 P!lil& 13 ~I 14 PA2020-024 I hereby certify that this is a true and exact copy of the A notary public 01· other officer completing this ceitificate verifies only the identity o~'1?~.8'~sa Sosa the document t(l which thi$ certificate is attached, and not the trutllfulness, accuracy, 1 y. c:icago Title Company State of Califomia County of l) t,,· d M' ,9 6' · On ,.A.1 ~1 J•,.~ I, J .. 41 :l/1 I 9 , before me, ]c4 t:.J.~ fl. t:!. 1""Ptt) Ji,, Notary Public, personally appeared Shelly M."Kelegian , who proved to me on the basis of satisfactory evidence to be the pe1·son(g) whose name(s) ls/Q{le subscribed to the within instmment and acknowledged to me that he/she/they executed the same in l½is/he1'/.tkei1' authorized capaoityEres), and that by lm/her/tlreir signatute(;t) on the inslrument the pel'Son(s), or the entity upon behalfof which the person(s) acted, executed the instrument. 1 ce1tify under PENALTY OF PERJURY under the laws of the State of California that the foregoing paragtaph is true and correct. • WITNESS my hand and official seal. 4.-A~ ACK H. CROUL JR, COMM.# 2113860 :ii, NOTARY l'UBUt: • CAUFORNtA 6) ORAMGE: COUNTY 0 COMM. f:XPIRES JUNE. 29, 2019 ..1 l:::.::.:.~}1~<-///. t~~i-/4,~'~, •• / <~) Notary Public (Print Name) My cominlssioi1 expil'es: -·~ru JVe. ~~ ~·· -9-ti IP. Loan Origination Organization: MUFG Union Bank, N.A. NMLS ID: 539249 CALIFORNIA-Single Femlly-Fannla Mao/Freddi& Mac UNIFORM INSTRUMENT Bankers Syslmns'" VMP® Loan Ol'iginator: Ashley Melinda Russell NMLS ID: 840779 V\bllers Kluwer Flnanclal SeNlce~ 20190JW1B.4,0,2208-J201B0529Y 007488226 Fo,m 3COS 1/01 04/2018 Paga 14 of 14 PA2020-024 EXHIBIT "A" Legal Description i hereby certify that this is a true and exact copy of the original. By: Alyssa Sosa Chicago Title Company For~PN/ParcellD{!l: ,..42..,.3..,.-2__.3...,1w..,.0..._4 ___________________ _ THE LANO REFERRED TO HEREIN BELOW IS SITUATED IN THE CITY OF NEWPORT BEACH, COUNTY OF ORANGE, STATE OF CALIFORNIA AND IS DESCRIBED AS FOLLOWS: LOT 67 AND fHE SOUTHEAST HALF OF LOT 68 IN TRACT 907, IN THE CITY OF NEWPORT BEACH, COUNTY OF ORANGE, STATE OF CALIFORNIA, AS SHOWN ON MAP THEREOF RECORDED IN BOO!< 28, PAGES 26 THROUGH 36, INCLUSIVE OF MISCELLANEOUS MAPS, IN THE OFFICe OF THE COUNTY RECORDER OF SAID COUNTY, CALIFORNIA. CLTA Preliminary Report form-Modified (11/17/2008) Printed: 03.1!i,19@DB:23AM CA-CT-FWl,O·021 B0,055860-S PS-1-19•6870i 900197 I PA2020-024 0 I I I I I I I ~~ t 1:/ ~ I- ti O::'. \) t < \) ~ ti --l <( ). I 1:/ ~ . I I 1' ~i I I I I I I Y'IAL.L SCREED @ PLASTER N,T,S, ~ Y'IAL.L. SCREED @ STONE 0----------~N~a=,s, A _J 2•GA8GAA,A6!; Q ~ ='l'IT ""~· iii \) taeL.aPll ~ ~ ---4=-=-=cl=,kk~rr-1 " 20'-0" GUi!;, 9 ~1 .. 61'-6" 14'-4' !0'-9' f>'-!:ll/2' 14'-4' !O'-J' NORTH SITE/ LOIAIER FLOOR PLAN CJ 16.o<I' TOPOI" I. NE/AIPOR T £JAY 5YMBOL5 LEGENR1 [E].,..t11ft:><>l'l{H!l&eHee>WIIIHfl!Tl4) .2' © ... C,C:,OR (llllll~DU..11 ll!lfll1'14) 0.-FW"l!RC~HOTff((,=llllltl!Tl,f} NQiESi AVERAGE NATURAL GRADE l:.?,<:i$' 12.ea· 12.16' 0 11:1 iJi DATE r-.20-:2020 GJ '""''.:: 51.0'l 1 / ,4 11 1:2,11' A~RA$E! NA1\IRAL 6RADJ; PA2020-024 -AC AD es 'i. DC EG FF C,G FL FS GM NG sco ,c TS ,w WM CJ • 0 LEGEND ASPHALTPAVEMEl>IT AREA DRAIN llOTTOMOFSTEP CENTERLINE ORAlNOUTUiT EOOEOFOUTTER El.ECTRICPULLllOX flNISHEOFLOOR FINISHEDFLOORGARAOE FLO'M.INE FINISHED SURFACE OAS METER NATURAL GROUND S!iWERCLeANOUT TOP OF CURB TOPOFSTEP TOPOFWALL WATER METER i=XISTINOELE;VATION FOUND MONUMENT SEARCHED, FOUNONOTHINO; SET NOTHING ~-BRICKSURFACE D-CONCRETESURFACE TITLE REPORT/EASEMENT NOTES 812VIALIDONORD NEWPORTB!:ACH,CA(I~ (APN:423-231•04) NO TITLE REf'ORT PROVlOED LEGAL DESCRIPTION REAL PROPERTY SITUATED IN THE CITY OF NEWPORT GEACH, COUNTY OF ORANGC, STATE: OF CALIFORNIA ANO IS DESCRIBED AS FOLLOWS: LOT 67 AND THE SOU'fHEAST ON!:•HALFOFLOT ea IN TRACT NO. 007, IN THE CITY OF NEWPORT BEACH, COUNTY OF ORANGE, STATE OF CALIFORNIA AS PER MAP RECORDED IN 800KU, PAGES 26.S6, OF M1$CELI.ANEOUS MAPS IN THE OFFICE OF iHE CO\JNlY RECORDER OF SAID COUNTY. IJ!l@OO, @[ll [1,@'iJ' ®® EXISTING !)IJ[LOING EXISTING BIJILOINO POR, OF LOT 68 AND LOT 67 'iJ'OO&©'iJ' INJ@, ®@!I lilJJ,lilJ], i!l@/:,/l@,®® EXlSTING BUILDING BENCHMARK INFORMATION 8ENCHMARKNO:N83•l!M2 OESCRIBEO BY OCS 2002 • FOUND 3 314' OCS ALlJMINUM BENCHMARK DISK STAMPED "NB3·21·92", SET IN THE NORTHWEST CORNER OF A4 FT. BY 10 FT. CONCRETE CATCH BASIN. MONUMENT IS LOCATED lt-l"THESOUTHVl'EST CORNER OF THE INTERSECTION OF VIA LIDO NORO ANO VIA KORON, 40 FT. WESHiRL Y OF THE: CENTERLINll OF VIA KORON ANO 20 FT. SOUTHERLY OFTHECENTERLINE OF VIA LIDO NORO. MONUMENT IS SET LEVEL WITH THE SIOEWAtK. ELEVATION: 11.Q12 FEET (NAVOaa), YEAR LEVELED 2015 BASIS OF BEARINGS THE BASIS OF BEARINGS SHOWl'l HEREON ARE BASED ON THE CENTERLINE OF VIA LIDO NORD HAVING A BEARING OF N61"00"1'lO'WPER TRACT NO. 007, M.M.2aw.sa SURVEYOR'S NOTES NEWPORT BAY NEWPORT BAY SURVEYOR OR ENGINEER SHALL PERMANENTLY MONUMENT PROPERTY CORNERS OR OFFSETS BEFORE ST AATING GRADING. PLEASECAtLPAULCRAFT@714•4S0.5008TOSCHEOULE. VICINITY MAP NO SCALE GRAPHIC SCALE 0 i 4 f ( IN FEET) 1 INCH .. a FT. ~ ,.,,.,. rtc~~iecRRfNMJ·J;.1~121s1120 DATE I' NOTE: SECTION 8770.8 OFiHECAUFORNIA BUSJNES$ AND PROFESSJONSCOot: STAl'ESTHATT!-H: USEOFTHEWOROCERTIFY OR CERTIFICATION BY A LICENSED LANO SURVEYOR IN THE PRACTICE OF LANO SURVEYING OR THE PREPARATION OF MAPS, PLATS, REPORTS, DESCRIPTIONS OR OTHER SURVEYING DOCUMENTS ONLY CONSTITUTE$ AN EXPRESSION Of' PROFESSIONAL OPINION REGARDING THOSE FACTS OR FINDINGS WilCH ARE THE SU6JECT OF THE CERTIFICATION AND DOES NOT CONSTITUTE A WARRANTY OR i;\UARANTEE, EITHEREXPRESSEDORIMPI.IEO. i:v, CL (0 <c: (0 C\I :i: CJO)~ 0 a: <c: st 5: 009 z . ,-~ 0 :c i:v, Cl (.)uS C)-1 (!:) :J Kl 0 :;!; co ;I: CL ~ > 1-0:: z C\I CL ,-0 ::5, c.o CL ~ z ~ la i ~ .: " SHE£TNO, !I 1 OF I PA2020-024 Chicago Title Company 16969 Von Karman Ave., Suite 150, Irvine, CA 92606 Phone: (949)263-6800 I FAX: (949)250-3238 FINAL REFINANCE STATEMENT Settlement Date: March 26, 2019 Disbursement Date: March 26, 2019 Escrow Number: 58701900197 Escrow Officer: Team Maeda Email: ChicagoMaeda@ctt.com Borrower: Mark A Kelegian and Shelly Keleglan (100.00000%) 20 Old Course Drive Newport Beach, CA 92660 Property: 612 Via Lido Nord Newport Beach, CA 92663 Per Preliminary Title Report lender: Union Banlc, NA Residential Loan Dept., PO Box 85643 San Diego, CA 92186-5643 Loan Number: 007483225 Loan Type: Conventional Uninsured $ DEBITS $ CREDITS FINANCIAL CONSIDERATION Loan Amount Union Bank, NA NEW LOAN CHARGES -U1111lon Bani<, NA Total loan Charges: $3,352.06 Lender Credits Union Bank, NA Application Fee Union Bank, NA $550.00 paid outside closing by Borrower Loan Origination Fee Appraisal Fee Credit Report Flood Certification Tax Service Prepaid Interest Union Bank, NA Appraisal-One Partners Credit & Verification Solutions Corelogic Flood Services Corelogic Information Solutions $233.01000 per day from 03/26/19 to 04/01/19 Union Bank, NA TITLE & ESCROW CHARGES ALTA 5-06 -Planned Unit Development Chicago Title Company -Assessments Priority (CLTA 115.2-06) AL TA 6-06 -Variable Rate (CLTA Chicago Title Company 111.5-06) ALTA 8:1-06 -Environmental Chicago Title Company Protection Lien (CLTA 110.9-06) CLTA 100-06 -Restrictions, Chicago Title Company Encroachments & Minerals CLTA 116-06 -Designation of Chicago Title Company Improvements, Address Title -Escrow Fee Chicago Title Company Title -Lender's Title Insurance Chicago Title Company Title -Notary Fee Jack Croul CERTIFIED COPY Page 1 of2 700.00 1,150.00 48.00 9.00 122.00 1,398.06 0.00 0.00 25.00 0.00 0.00 550.00 2,045.00 125.00 2,520,000.00 75.00 (58701900197/61) March 27, 2019 9:28AM P PA2020-024 I I {; I FINAL REFINANCE STATEMENT -Continued $ DEBITS $ CREDITS TITLE & ESCROW CHARGES (continued) Title -Recording Service fee SYNRGO Policies to be issued: Loan Polley Coverage: $2,520,000.00 Premium: $2,045.00 Version: ALTA Loan Policy 2006 GOVERNMENT CHARGES Recording Fees Morti:iai:ie/Deed of Trust Affordable HousinA Recording Fee PAYOFFS Payoff of First Mortgage Loan {$2,508,816.06) Principal Balance Interest To 04/05/19 po fee recording MISCELLANEOUS CHARGES Chicago Title Company $75.00 $75.00 Morgan Stanley Private Bank Property Taxes -2nd 1/2 Inst. 2018-19 Orange County Tax Collector Due 4/10/2019 Buyer's funds to close Subtotals Balance Due TO Borrower TOTALS 14.00 150.00 2,500,000.00 8,618.06 30.00 168.00 12,413.91 2,527,566.03 1,187.04 2,528,753.07 THIS IS A CERTIFIED COPY OF THE ORIGINAL DOCUMENT(S) BY CHICAGO TITLE COMPANY Chi_cago Title qornp_any, Settlem_ent Agent _ SAVE THIS STATEMENT FOR INCOME TAX PURPOSES 8,678.07 2,528,753.07 2,528,753.07 CERTIFIED COPY Page2 of2 (58701900197/61) March 27, 2019 9:28 AMP PA2020-024 Sign up to receive a toxveman duo dnte reminder at !lrul.IDMl!lllliru!taxramlmlfft Pay onllne at Ollrul.¼.!l.l!.llllllll!100llil to rocolvo same day (lrlldlt, 110 service too by oGho and an omallad raoolpt. 20'19-20 SECURED PROPERTY TAX BILIL Malled paymants must have a USPS postmark on or before the last llmoly payment da If you wait until Iha last day to mall your paymonl, got your envelope hantt•st.amped w a p08t1t1ark to onnuro It Is timely. For FIscuI Year Beginning July 1, 2019 and Ending June 30. 2020 We have movod to our now location at 601 N. Ross Stroot. 0()1WW-00ll•)(I() STM'J', • .,.. SJOOO•)()t"J'()l 3 #BWNLBHV ........... AUW .. 5-DIGIT 92660 #4232 3104 2019 6# ... 612 VIA LIDO NORD NEWPORT BEACH 111 t 11h11111111 lh I 11111111111 I! I 111 ljl I' rl I I nil• I• lh 1J11 jltf 1 l(ELEGIAN, MARK l{ELEGIAN SHELLY M 20 01.0 COURSE OR NEWPORT BEACH CA 02660-4276 ~-I l{ELEGIAN, MARK Properly taxos are 11111 responsibility of tho o~W owl)IJr, Contact th& Dirico ol th!! AsH$5or at (714) 834-2727 rogardl11u ownou:hlp changes, EFT 1J 95402 ~m~m• I 423-231.04 I APRIL 10, 2020 : ASSESSEE: l<ELEGIAN, MARK KELE.GIAN, SHELLY M Make checks payable to: County of Orange COUNTY OF ORANGE ATTN: TREASURER-TAX COLLECTOR P.O. Box 1438 Santa Ana, CA 92702-, 438 . TOTAL VALUES: TOTAL NET l'AXABLE VALUE: BASIC LSVV AATta COAST COMM CO!..LEOE: 01ST NEWPORT MESA UNIFll:O Ml:iTRO WATER 0-MWOOC SPl{CfAL ASSESSMENT CHARGES MOSQ,FIRE ANT ASSMT VIZCTOR CONTROL CHG MWO WATER STOBV CHG OCSD SEWER USER FEE TOTAL CHARGF..0 1,05132 3,687,678 3,687,678 PHONE NO. (800)2n-5167 {800)273-5167 (866)807-6864 !714)593-7281 39,129.60 39,129.60 7.71 1,9: 11.61 339.0l 39,129.51 FOR DETAILS OF TAX TYPE!S, VISIT OUR WEBSITE AT OCGOV.COM/OCTAXBIL.L ON ORANGE COUNTY 2019"20 PROPERTY TAl Pay taxes onllne by eOhcok or by credit Gnt eCheolc l@f41•ij W2..CmJ! ■ [~ S~:; VISA· 2,29% Foo M Scan the code to view and pay ocgov.oom/ootaxbill your specific parcel online DUE FEB 1, 2020 $19,564.75 AMOUNT oue AFTER 4/10/20 (INCLUDES 10% PENALTY+ $23 COST) $21,544.22 01423231 □4000022019 □2041020□00195647506302000021544220 □0 □□000000000003 PA2020-024