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Home My WebLink About20152246.tiff 1861/ '� CLERK TO THE BOARD PHONE (970) 336-7215, EXT 4226 Trim_ FAX (970) 352-0242 WEBSITE: www.co.weld.co.us 50 O STREET 11 P O BOX 758 ftr � COUNTY GREELEY CO 80632 September 1, 2015 BENNETT LINDA J 1120 COTTONWOOD CT JOHNSTOWN, CO 80534-8466 RE: THE BOARD OF EQUALIZATION 2015, WELD COUNTY COLORADO APPROVAL OF STIPULATION BETWEEN PETITIONER AND ASSESSOR ACCOUNT NO.: R3347305 Dear Petitioner: On July 30, 2015, the Board of County Commissioners of Weld County Colorado convened and acting as the Board of Equalization, pursuant to C.R.S. Section 39-8-101 et seq., considered your request to approve and adopt a valuation of your property arrived at by a Stipulation between you and the Weld County Assessor, for the year 2015. The Board of Equalization found that the evidence presented at the hearing supported the stipulated value placed upon the above-described property as set forth below. Such evidence indicated the value was reasonable, equitable, and derived according to the methodologies, percentages, figures and formulas dictated by law. ACTUAL VALUE AS STIPULATED VALUE DETERMINED BY ASSESSOR APPROVED BY BOARD $257,940.00 $210,000.00 The above `Stipulated Value' is the value which will be used in the calculation of your property taxes for 2015. This value is not appealable. If you have questions concerning the above information, please call me at (970) 336-7215, Ext. 4226. Very truly yours, �r Esther E. Gesick, Clerk to the Board Weld County Board of County Commissioners Cc: Christopher Woodruff, Weld County Assessor 2015-2246 AS0091 kJ./ COUNTY BOARD OF EQUALIZATION WELD COUNTY Single County Schedule Number R3347305 STIPULATION(As To Tax Year_2015_Actual Value) RE PETITION OF : NAME: Linda Bennett ADDRESS: 1120 Cottonwood Court Johnstown,Co 80534 Petitioner(s) and the Weld County Assessor hereby enter into this Stipulation regarding the tax year 2015 valuation of the subject property, and jointly move the Board of Equalization to enter its order based on this Stipulation. Petitioner(s) and Assessor agree and stipulate as follows: 1. The property subject to this Stipulation is described as: JOH 5CA L22A COUNTRY ACRES 5TH FG 1ST RPLT L21 &22 2. The subject property is classified as residential property. 3. The County Assessor originally assigned the following actual value to the subject property for the tax year 2015: Total $257,940.00 4. After further review and negotiation, Petitioner(s) and Weld County Assessor agree to the following tax year 2015 actual value for the subject property: Total $210,000.00 5. The valuation,as established above, shall be binding only with respect to tax year 2015. 6. Brief narrative as to why the reduction was made: Reduced based on review of additional comparable properties. 7. Both parties agree that: ❑The hearing scheduled before the Board of Equalization on at be vacated. ZA hearing has not yet been scheduled before the Board of Equalization. R3347305 UC- cam..-7/O 1 2015-2246 1-1S0091 DATED this 21 day of July, 2015. itioner(s) or gent or Attorney (Assistant) County Attorney for Respondent, Weld County Board of Commissioners Address: Address: j/ U C0 -d _j 1150 "0" Street P.O. Box 758 PU5 3 ej Greeley, CO 80632 Telephone: 176-W9- 3yr'9_ Telephone:(970) 336-7235 I County Assessor — Address: 1400 N.17th Avenue Greeley, CO 80631 Telephone: (970) 353-3845 ext. 3697 Docket Number Stip-1.Frm R3347305 2 NOTICE OF I ION Christopher M. Woodruff JUL 2 0 2015 Date of Notice: 6/30/2015 Weld County Assessor Telephone: (970) 353-3845 1400 N 17`"Ave WELD COUNTY Fax: (970) 304-6433 Greeley, CO 80631 • COMMISSIONERS Office Hours: 8:00AM—5:00PM .! ,1: `17-,711 TI:5; a 3 7..,:, J ... . �, a *Try ,�. n y 5L; ,1 Z,��'ii?t ! �%:, �� 3iga �'c !', ? $. 1' � dam..., " 'Biv R3347305 2015 0567 JOH 5CA L22A COUNTRY ACRES 5TH FG 1ST RP LT L21 &22 ;'' BENNETT LINDA J t 1120 COTTONWOOD CT 1120 COTTONWOOD CT JOHNSTOWN,CO 80534-8466 JOHNSTOWN,CO 000000000 9c ,t 1.1 la1.n"a saw1�$s₹7 ee: -� t , r "f (s q °7411vy.4711-a rry`'ruJtpt ., .�y�. �.�-a.„ - 14 etcf,- Sa- .i .Gam . RESIDENTIAL 276,000 257,940 $276,000 $257,940 The Assessor has carefully studied all available information, giving particular attention to the specifics included on your protest. The Assessor's determination of value after review is based on the following: ALO2- The actual valuation of your property has been adjusted based on new information. This may be information you have supplied, corrections of characteristics or additional sales. If you disagree with the Assessor's decision,you have the right the County Board of Equalization for further consideration, § 39-8-1 a , C.R.S. The deadline for filing real property appeals is July 15. The Assessor establishes property values. The local taxing authorities (county, school district, city, fire protection, and other special districts) set mill levies. The mill levy requested by each taxing authority is based on a projected budget and the property tax revenue required to adequately fund the services it provides to its taxpayers. The local taxing authorities hold budget hearings in the fall. If you are concerned about mill levies, we recommend that you attend these budget hearings. Please refer to last year's tax bill or ask your Assessor for a listing of the local taxing authorities. Please refer to the reverse side of this notice for additional information. Agent(If Applicable): 15-DPT-AR et : A� 7/„10 6000-0279 County Board OL,fqualization Hearings will be held from July 29 through August 5 at 1150 O Street. To appeal the Assessor's decision,domplete the:Petition to the County Board of Equalization shown below, and mail or deliver a copy of both i&ides 4ihthis form to: Weld County Board of Equalization 1150 O Street, P.O. Box 758 Greeley, CO 80631 Telephone: (970) 356-4000 ext, 4225 To preserve your appeal rights, your Petition to the County Board of Equalization must be postmarked or delivered on or before July 15 for real property — after such date, your right to appeal is lost. You may be required to prove that you filed a timely appeal; therefore, we recommend that all correspondence be mailed with proof of mailing. You will be notified of the date and time scheduled for your hearing. The County Board of Equalization must mail a written decision to you within five business days following the date of the decision. The County Board of Equalization must conclude hearings and render decisions by August 5, § 39-8-107(2), C.R.S. If you do not receive a decision from the County Board of Equalization and you wish to continue your appeal, you must file an appeal with the Board of Assessment Appeals by September 10, §39-2-125(1)(e),C.R.S. If you are dissatisfied with the County Board of Equalization's decision and you wish to continue your appeal, you must appeal within 30 days of the date of the County Board's written decision to ONE of the following: Board of Assessment Anneals District Court 1313 Sherman Street, Room 315 Contact the District Court in the County Denver, CO 80203 where the property is located. See your (303) 866-5880 local telephone book for the address and www.dola.colorado.aov/baa telephone number. Binding Arbitration For a list of arbitrators,contact the County Commissioners at the address listed for the County Board of Equalization. If the date for filing any report, schedule, claim, tax return, statement, remittance, or other document falls upon a Saturday, Sunday, or legal holiday, it shall be deemed to have been timely filed if filed on the next business day, § 39-1-120(3), C.R.S. What Is your SSW the property's value as of June 30, 2014? (Your opinion of value in terms of a specific dollar amount is required for real property pursuant to§39-8-106(1.5),C.R.S.) $a/4 det3r)o What is the basis for your estimate of value or your reason for requesting a review? (Please attach additional sheets as necessary and any supporting documentation, i.e., comparable sales, rent roll, original installed cost,appraisal,etc.) , rars,) and reigi aIcr /I4( ca/es I,the undersigned owner or agent of the property identified above,affirm that the statements contained herein and on any a ments hereto are true and complete. c. . 7„ a-e 77°—ys/i- ?srsY ' �iS/, s- ÷-e-12 re Telephone Number to iilidb. (\ennala-oDl WV.COW\ Email Address J 'Attach letter of authorization signed by property owner. 15-DPT-AR PR 207-08/13 R3347305 8430520 1114 Cottonwood Ct,Johnstown, CO 80534 is Recently Sold I Zillow Page 1 of 7 MENU Sign trityrSaice,o4tdpprtise Q Homes -..... Rentals ..._.... Mortgages Agents Advice Local Home design Mute Colorado•Johnstown •80534 • 1114 Cottonwood Ct : swig CONTACT A LOCAL AGENT 7q.11":4411, ;',4 - Shavonn JanesVirtiet .T _ .jF4 • - 1a v *****(7) 7.117 ( T Recent sale s .. „ (970)372-2431 Kristin Sno n1GE'. *** (w7) r f q Recent sales n . .►� `vEct . (720)282-1920 rt t er, t rf �t' 1. Lance Walker P¢5i EV yt„ a•�:t '� s 11 3 *****(1) �'. a Y , Recent sales t i r :t 9 w z_t_ k, (970)541.0100 r;• • F rsr�tF. `i :Your Name Phone Email I would like advice about selling a home similar to 1114 Cottonwood Ct, --'' Inhnctnwn ffl ROcItl Contact Agent 1114 Cottonwood SOLD: $215,000 Learn how to appear as the agent above Sold on 04/10/13 Zestimate"':$277,128 Ct, Update my Zestimate Johnstown, CO 80534 Est.Mortgage f� y� $815/mo ® - OPtiaiss *�i dIV See current rates on Zillow Edit home facts for a more accurate Zestimate. Get Pre-Approved on Zillow EXCEPTIONAL HOME!!! MOUNTAIN VIEWS.... Private,Very Quiet,Beautifully Landscaped. NO HOA!SPACIOUS OPEN FLOOR PLAN, Views from Kitchen Dining, Living, Master bed and Patio.CUSTOM HOME QUALITY, Vaulted ceilings,5 piece Master,Wide hallways,Bay Windows,built-in shelving, decorative ledges, French doors, NG on the back patio,and much much more.ONLY 6 MIN to 125..,.This Is the EASY LIVING LOW MAINTENANCE Home You Have Been Looking for....MUST SEE VIRTUAL TOUR!! http://www.zillow.com/homedetails/1114-Cottonwood-Ct-Johnstown-CO-80534/6806222... 7/14/2015 1116 Cottonwood Ct, Johnstown, CO 80534 is Recently Sold I Zillow Page 1 of 7 MENU Sign in or Join Advertise 0 Homes Rentals Mortgages Agents Advice Local Home design More CORRECT HOME FACTS 4 SAVE GET UPDATES SHARE MORE - City, State,or Zip Colorado•Johnstown - 80534 • 1116 Cottonwood Ct MO hl, y-;.•- �= ` • J :i• >` CONTACT A LOCAL AGENT p'` _ ,$. , 's Cherie Gibout& G£N W.�. t , Y k I ❑� Charlotte Ryan � �� *****(16) t 4 `. . .-, , , ; Recent sales • ,-4, .I (970)541-4157 +,,.. ; • ittio''' L-en.iPREMIER Jesse Loner John a;r,.r, 4 Simmons • -' *****(74) 3 ' 1 ?,-� ',` • ,,Recent sales r -1 a t -,-Ar (970)286-7573 }� n Jane em _. r �F.y i'. 3. [ , �; NaE4T `i$r �" Shavon s fir- 3 �'i *****(7) o- h ,rr,: Recent sales k l �.. • ..y ns a. ,. .,. M ,. .4811.. _ .'. (970)372 2431 ......... ........ .... .... ,I.Your Name L Phone • • ral Email I would like advice about selling a home similar to 1116 Cottonwood Ct, z..1 Inhnctnwn ( )R(15"14 111 G Cottonwood SOLD: $226,100 Contact Agent Sold on 06/25/13 Zestimatex':S288,138 Learn how to appear as the agent above Ct/ Update my Zestimate Johnstown, CO 80534 Est.Mortgage $857/mo ® - )i.4 beds-•3 baths •2,928 sqft Edited See current rates on Zillow Edit borne facts(or a more a,:curate Zesiirrlate. Get Pre-Approved on Zillow Stunning ranch style paired home with no HOA.This home features 4 bedrooms, 3bath and a beautiful yard with amazing views of the mountains. Large main floor master has walk in closet,beautiful master bath/jetted tub and entry to patio.Very open,bright and spacious lay out,including vaulted ceilings, A/C, living room fire place,beautiful window coverings.All stainless stain applianced are included. Finished basement with large rec/great room,2 bedrooms and full bath. Shows like a model. http://www.zillow.com/homedetails/1116-Cottonwood-Ct-Johnstown-CO-80534/6805333... 7/14/2015 9324351098 File No. 1120COTTONWOOD APPRAISAL OF a 22 iw w = =fa SUFI J t fir. I. �' �u f • LOCATED AT : 1120 Cottonwood Ct Johnstown, CO 80534-8466 FOR: First Technology Federal Credit Union 3555 SW 153rd Drive Beaverton, OR 97006 BORROWER: Bennett Linda J AS OF : March 30, 2015 BY : KENDALL FLEMING 9324351098 Fite No.1120COTTONWOOC HEARTLAND First Technology Federal Credit Union 3555 SW 153rd Drive Beaverton,OR 97006 File Number: 1120COTTONWOOD In accordance with your request, I have appraised the real property at: 1120 Cottonwood Ct Johnstown,CO 80534-8466 The purpose of this appraisal is to develop an opinion of the market value of the subject property,as improved. The property rights appraised are the fee simple interest in the site and improvements. In my opinion,the market value of the property as of March 30,2015 is: $210,000 Two Hundred Ten Thousand Dollars The attached report contains the description, analysis and supportive data for the conclusions, final opinion of value, descriptive photographs, limiting conditions and appropriate certifications. SEMINGh 9324351098 Uniform Residential Appraisal Report File No. 1120COTTONWOOC The purpose of this summary appraisal report is to provide the lenderlclient with an accurate,and adequately supported,opinion of the market value of the subject property. Property Address 1120 Cottonwood Ct City Johnstown State CO Zip Code 80534-8466 Borrower Bennett Linda J Owner of Public Record Bennett Linda County WELD Legal Description JOH 5CA L22A COUNTRY ACRES 5TH FG 1ST RPLT L21&22 Assessor's Parcel a 105908206036 Tan Year 2013 R.E.Taxes$ 1,271 Neighborhood Name COUNTRY ACRES Map Reference N/A Census Tract 0021.02 Occupant IX'Owner I 'Tenant I )vacant Special Assessments$0 I IPUD HOASO I Iperyear hoer month Property Rights Appraised [XI Fee Simple n Leasehold I I Other describe) Xi Assignment Type I I Purchase Transaction [ Refinance Transaction IJ I Other(describe) Lender/Client First Technology Federal Credit Union Address 3555 SW 153rd Drive,Beaverton,OR 97006 is thesubect property currently offend for sale or has it been offered for sale in the twelve maths prior to the effective date of this appraisal? I JYes [XI No Report data sauce(s)used,offering price(s).and date(s). PER THE IRES MLS THE SUBJECT HAS NOT BEEN OFFERED FOR SALE IN THE PAST YEAR. I Udid U did not analyze thecooaa la sale la the subject purchase transaction.Explain flu results of the analysis a the contract for sale o wiry the analysis was net performed. Contact Price$ Date of Contract Is the property seller the owner of public record? I I Yes I I No Data Source(s) Is there any financial assistance(loan charges,sale concessions,gift or dawnpayment assistance.etc.)to be paid by any party on behalf tithe borrower? Lives UNo If Yes,report the total dollar amount and describe the items to be paid. Note.Race and the racial com•osmlon of thenei•hboncood are not a b•/also!factors, Location Urban A Suburban Rural Property Yates Increasing A Stable Declining PRICE AGE One-Unit 75% Built-Up A Over 75% 25-75% i Under 25% Demand/Supply Shortage In Balance Over Supply 6(000) (yas) 2-4 Unit 5% Growth Rapid .X,Stable ,_Slow Marketing Time . Under3 mills 3-6 mlhs Over 6 mths 75 Low 10 Multi-Family 5% Neighborhood Boundaries NEIGHBORHOOD BOUNDED BY PARISH AVE.EAST/VACANT LAND 275 High 120 Commercial 5% SOUTH/HWY 60 NORTH AND TELEP WEST. 200 Pred. 30 Other VAC 10% Neighborhood Description See Attached Addendum Market Conditions(including support fa the above conchisions) See Attached Addendum Dimensions 6002 SF Area 6002 sf Shape IRREGULAR View B;CUL; Specific Zoning Classification RL Zoning Description RESIDENTIAL Zoning Compliance IA Legal I I Legal Nonconforming(Grandathered Use) f INo Zoning I Illlegal(describe) hihe highest and best use of the sulgect property as improved(or as proposed per plans and specifications)the present use? IX)Yes UNo If No,describe. Utilities Public Other ldescribe) Public Other(describe) OR.sirelmprovements—Type Public Private Elecmciry A I I{ Water X Street ASPHALT — Gas ,X. I Sanitary Sewer A I I{1 Alley NONE FEMA Special Flood Hazardkea I IYes Ixl No FEMA Flood Zone X FEMA Maps 08069C1410F FEMA Map Date 12/19/2006 Pte the dillies and o6-she improvements typical Ion the market area? lXIYes I I No I No.describe. Are there any adverse site conditions or external factors(easements,enaoachments,environmental conditions,land uses.etc.)? UYes [XI No If Yes,describe. NO APPARENT ADVERSE EASEMENTS OR ENCROACHMENTS.NO KNOWN SPECIAL ASSESSMENTS.NOT IN A SLIDE AREA. APPRAISER DID NOT SURVEY,TEST SOIL,OR MAKE RADON TESTS.NO KNOWN OR APPARENT ADVERSE ENVIRONMENTAL CONDITIONS THAT WOULD NEGATIVELY IMPACT THE VALUE OF THE PROPERTY. Units F1 One MI One with Accessory Unit Concrete Slab Crawl Space Fountlaiun Walls CONC A Floors CPT/HW G a of Stoles 1 X Full Basement Partial Basement Exterior Walls STC/STN G Walls DRYWALL G Type I lDer I [An. IIS.Det.lEnd Unit Basement Area 1486 sq.ft. Roof SWace ASPH SH A Tri Finish PAINTED G IXJExisdnq LiPraposed F 1 Under Coast. Basement Finish 0% Gutters&Downspouts METAL A Bath POW TILE G Design(Style)RANCH ATT I IOutside E i /Exit I I Sump Pump Window Type GLIDER A Bath Wainscot TILE G Year Suit 2005 Evidenced Infestation Storm Sash/Insulated DBL PN A Car Storage I 'None Eltectbe Age(Yrs)3 UDa mess Settlement Screens YES A Driveway prof Cars 2 Attic None Heating(XI FWA I 'lHWBB I I I Radiant Amenities WoodStove(s)A) Driveway Surface CONC IXop Stair Stairs I [Other I Fuel NGAS Fkeplace(s)a 1 A Fence WD FE X Garage a of Gars 2 - 'Floor X Scuttle Cooling I XI Central Air Conditioning X Patio/Deck CP X Porch CPO Carport a of Cars 0 Finished Heated , Individual Ifaliler Pool None Other None XAtt. Fillet I [Built-in Appliances IXI RefrigeratorIXI Range/Oven X Dishwasher Disposal IX([Microwave [XI WasherlDyer I I Other(describe) Finished area above grade contains'. 4 Rooms 2 Bedrooms 2.0 Bath(s) 1,499 Square Feet of Gross Living Area Above Grade Additional features(special energy efficient items.etc). See Attached Addendum Describe the condition of the property(including needed repairs.deterioration,renovations,remodeling.etc.). C3;No updates in the prior 15 years;.HOME IS WELL MAINTAINED AND IN GENERALLY GOOD CONDITION.UTILITIES ON AND REPRESENTATIVE SAMPLE INDICATED WORKING ORDER.APPLIANCES FUNCTIONAL.HEAT FUNCTIONAL. Are there any physical deficiencies or adverse conditions that affect the livabiliy,soundness.or structural integrity of the properly? LI Yes ILO No I Yes.describe. Does the property generaly conform to the neighborhood(functional utility,style,condition,use.cansbucdon,etc.)? IX)Yes UNo If No,describe. Red&Mac Form ID Mai 2005 LAD Venn noer I Palmed,a,,gem'6ueewelsr.nn an wwebcam rare Mae Ran 1001 Nadi A55 Pager de 9324351098 Uniform Residential Appraisal Report FM No. 112OCOTTONWOOc There are 0 mmpnabe prmetles oared*dyed luxle title sMNMrmdbmeood ranging In reel=f 0 of 0 Thee me 3 mnpaaMe sales Ellie sbecl eein The pausal."monthsregm In sae price leaf 191.500 to 215.000 - FEATURE I SUBJECT COMPARABLE SALE NO.1 COMPARABLE SALE NO.2 COMPARABLE SALE No.3 1120 Cottonwood Ct 1208 Country Acres Ct 1210 N 3rd St 905N 3rd St Address Johnstown,CO 80534-8466 Johnstown.CO 805348467 Johnstown,CO 80534-5600 Johnstown.CO 80534-8800 Plmekyt sewed 0.10 mites NW 0.35 miles NW 0.40 mites NE SW Price f $ 191500 S 210000 f 215000 SeePdtAiosLkkaa f 0.00 B $ 145.41 set f 179.18 set f 163.37 set Date Newels) MLSIIRES#734891;DOM 52 MLSARES#744932;DOM 33 MLSARES 11741372;DOM 50 VNkreten Sands) ASSESSORIEXT INSP ASSESSOR-EXT INSP ASSESSOR-EXT INS? VALUE ADJUSTMENTS DESCRIPTION DESCRIPTION .(JS A}Mles DESCRIPTION 44$hem*. DESCRIPTION N{s assn Sale or Financing Annie.' AnnLth AnnLth Capessbrs Conv;850 0 FH&O Cash;0 Me alSWlrm s06114;c05/14 509/14;c08/14 308/14x07/14 , Loumn N;Res; N;Res; N;Res; N;Res; LmsdgmFee Simple Fee Simple FEE SIMPLE FEE SIMPLE FEE SIMPLE Site 6002 sf 2577 of 2,500 6747 of 0 5853 sf 0 View B;CUL; N;Res; 2.000 N;Ree;; 2.000 N;Res; 2,000 Deem LSNle) SD1;RANCH SD1;RANCH SD1;RANCH SD1;RANCH Quaky dcmalmm 03 03 03 03 APS Am 10 15 0 15 0 19 0 Condition co co as C3 Agee(fade iWI —qI ebb is a iae e iW Bea Romani 4l_21 2.0 5 3l M 2.0 0 5 2lm[2.0 0 5 2l 2.0 0 Gans Ul Nee 25 1,499 set 1,317 set 4,600 1,172 set 8,200 1,316 sat 4.600 Basements ridded 1486sfOs8n 1260sfOsfn 2,300 1172sf1055s6n -12,400 1050st945sfin -10,100 ROOMS BelotGlade lnlbrt.Obalo 0 1r2brl.Obaoo 0 FunbeUMW AVERAGE AVERAGE AVERAGE AVERAGE lWagCmem GFNCAC GFA/CAC GFNCAC GFNCAC Thew Met Isms DBL PN WIN DER PN WIN DBL PN WIN DBL PN WIN Game/Crpm 2da2dw 29a2dw 2sa2dw 2 a2dw PadgPeedoxk CPO,CP.SP,JT CPO,SP.P 3,000 CPO,SP.P 3,000 DECK,SP 4,000 _, FP NONE 2,000 FP FP Fence FENCE FENCE FENCE NNA4sunetRda) 141. U- $ 16,400 [Xis U- $ 800 Ltd. Li- f 500 Agu dSae Pee Net Al. 8.6% NUM. 0.4% NIM. 0.2% d QesAd 8.6% $ 207.900 Goma 12.2% f 210.800 Gess Ad. 9.6% $ 215.500 I aid Meat raxadi the sale o transfer liVay deb subject properly and raapaale sob.ire explain Mvresaa%IX)dd I law nasal ae pro sales otansies aide skied popery la the filminess priori,the Mete date ogles apesiS. Data ASSESSOR Ws merge I lad Widnes roved any prior sales or prom a themnwmwa sales n thaws priory the ma cis*amememmle sale. Dee sands) ASSESSOR Repelthereads dthe resat end minis MIS Morsels a Vernier Ngay cite SOP amen end wearable sales(rem ad:9 a prescree m won A. REM SUBJECT COMPARABLE SALE NO.1 COMPARABLE SALE NO.2 COMPARABLE SALE NO.3 DaledprktSNeTrmabr 06/12/2012 Price d Pale SeeRrerWr $178,000 Data Source(s) ASSESSOR ASSESSOR ASSESSOR ASSESSOR EhSae Dale atDea Saw(s) 03/30/2015 04/01/2015 04/01/2015 04/01/2015 Mayes d prior sale ataeda history dtle subject prepety led comparable sales SUBJECT LAST SOLD 06/2012 FOR 8178.000.NO OTHER SALES IN PRIOR 3 YEARS.NO COMP SALES IN YEAR PRIOR. Sammy a Sales Comparison Approach. See Attached Addendum kdcaed Vdm by Saks Careaeon Appeoech$210.000 IndkatedValueby: Sales comparison Approach 5210.000 Cost Approach(if developed)$0 Income Approach(if davelopems See Attached Addendum lies appraisal Is made lid Is 4' U wtject to completion per plea end specifications on the basis d a lrypalntlsal mme*9n Matte npownmts have ben mnpicdea D subject t the idumxgmean Of alleesmsm the basis da hypothetical cation theft repairs or alterations have been co pmeda Datyecte The blaming rewired inspection based an the eoaammy assupbn dattln cmdem or deficiency does not rein ahamm arena: See Attached Addendum Based on a complete visual inspection of the interior and exterior areas of me subject properly,defined scope of work.statement of assumptions and limiting conditions,and appraiser's certification.my(our)opinion of the market value,as defined.of the real property that is the subject of this report is a 210,000 as or 03/30/2015 ,which is Me date of inspection and eaeeecevedatedmisappraisal. Ankle Mac Fan aMEM am am Vete Will nabaa Sl1M aawetentonewrtsla instIS Fee hoe Mach am Pap a e6 1031_05LIADOMEM flaming appraisal 9324351098 Uniform Residential Appraisal Report File No. 1120cOTTONWOOC 7 Provide adequate information hr the lender/client to replicate the below cost fgves and calculations. Support for the opinion of she value(summary of comparable land sales or other methods for estimating site value) COST APPROACH NOT USED DUE TO AGE OF SUBJECT.UNRELIABLE FOR ATTACHED DWELLINGS. ESTIMATED I I REPRODUCTION OR Li REPLACEMENT COST NEW OPINION OF SITE VALUE =$ 35,000 Sourced cost data Dwelling 1,499 Sq.Ft e1 =$ 0 Quality rating from cost service Effective date recast data Bsmt:1486 Sq.Ft®$ -$ 0 Comments on Cost Approach(gross thorn area calculations.depreciation,etc.) See Attached Addendum Garage/Carport 484 Sq.FL @ S =$ 0 Taal Estimated Cost-New =$ 0 Less 50 Physical I Functional I External Depreciation =f( 0 Depreciated Cost of Improvements -$ 0 'As-is Value of She Improvements =$ Estimated Remain 'Economic Life HUD and VA on' 47 Years INDICATED VALUE BY COST APPROACH =$ 0 Estimated Monthly Market Rent$ It Gross Rent M'Ndier =1 Indicated Value by Income Approach Summered Income Approach(including support for market rem and GRM) Is the developertuilder in control tithe Hammers'Association(HOA)? Yes No Unh type(s) Detached Attache Provide the following information for PUN ONLY it the developerfouilder is in ca0ol oldie HOA and the subject prppety is an attached dwelling unit. Legal name of protect Total number of phases Total number ofunhs Total number of units sold Total number of units rented Total number or units for sale Data source(s) Was the project created by the conversion of an eaisurt9 buildings)into a PUD? I )Yes I I No H Yes,date of conversion. Does the doled contain any multi-dwelling units? I I Yes I INo Data sourte(s) Are the units.common elements,and recreation facilities complete? UYes LI No It No,describe the status of complaint. ke the common elements leased to or by the Homeowners'Association? UYes IJ No If Yes,describe the rental terms and options. Describe common elements and recreational facilities. Ddae Mac Form 10145O 2005 utDvesm WWI vnt`d using Oo'dtae®2mnnwe®wemae Fame Mae ram IW4IWT 2006 Page a der I001050.9007222014 9324351098 Uniform Residential Appraisal Report Fie W. 1120COTTONWOO0 This report form is designed to report an appraisal of a one-unit property or a one-unit property with an accessory unit including a unit in a planned unit development(PUD). This report form is not designed to report an appraisal of a manufactured home or a unit in a condominium or cooperative project. This appraisal report is subject to the following scope of work,intended use,intended user,definition of market value,statement of assumptions and!inning conditions,and certifications. Modifications,additions,or deletions to the intended use,intended user, definition of market value,or assumptions and limiting conditions are not permitted. The appraiser may expand the scope of work to include any additional research or analysis necessary based on the complexity of this appraisal assignment Modifications or deletions to the certifications are also not permitted. However,additional certifications that do not constitute material alterations to this appraisal report such as those required by law or those related to the appraiser's continuing education or membership in an appraisal organization,are permitted. SCOPE OF WORK: The scope of work for this appraisal is defined by the complexity of this appraisal assignment and the reporting requirements of this appraisal report form,including the folkwdng definition of market value,statement of assumptions and limiting conditions,and certifications. The appraiser must at a minimum:(1)perform a complete visual inspection of the interior and exterior areas of the subject property,(2)Inspect the neighborhood,(3)inspect each of the comparable sales from at least the street(4)research,verify,and analyze data from reliable public andlor private sources,and(5)report his or her analysis, opinions,and conclusions in this appraisal report INTENDED USE: The Intended use of this appraisal report Is for the lenderldient to evaluate the property that is the subject of this appraisal for a mortgage finance transaction. INTENDED USER: The Intended user of this appraisal report is the lenderidlent DEFINITION OF MARKET VALUE: The most probable price which a property should bring In a competitive and open market under all conditions requisite to a fair sale,the buyer and seller,each acting prudently,knowledgeably and assuming the price is not affected by undue stimulus. Implicit in this definition is the consummation of a sale as of a specified date and the passing of title from seller to buyer under conditions whereby:(1)buyer and seller are typically motivated;(2)both parties are well informed or well advised,and each acting in what he or she considers his or her own best Interest(3)a reasonable time is allowed for exposure in the open market(4)payment is made in terms of cash in U.S.dollars or in terms of financial arrangements comparable thereto;and(5)the price represents the normal consideration for the property sold unaffected by special or creative financing or sales concessions'granted by anyone associated with the sale. *Adjustments to the comparables must be made for special or creative financing or sales concessions. No adjustments are necessary for those costs which are normally paid by sellers as a result of tradition or law in a market area;these costs are readily identifiable since the seller pays these costs in virtually all sales transactions. Special or creative financing adjustments can be made to the comparable property by comparisons to financing terms offered by a third party institutional lender that is not already involved in the property or transaction. Any adjustment should not be calculated on a mechanical dollar for dollar cost of the financing or concession but the dollar amount of any adjustment should approximate the marker's reaction to the financing or concessions based on the appraiser's judgment STATEMENT OF ASSUMPTIONS AND LIMmNG CONDITIONS: The appraisers certification in this report is subject to the following assumptions and limiting conditions: 1. The appraiser will not be responsible for matters of a legal nature that affect either the property being appraised or the title to it except for Information that he or she became aware of during the research Involved in performing this appraisal. The appraiser assumes that the title is good and marketable and will not render any opinions about the title. 2. The appraiser has provided a sketch in this appraisal report to show the approximate dimensions of the Improvements. The sketch Is included only to assist the reader in visualiang the property and understanding the appraisers determination of its size. 3. The appraiser has examined the available flood maps that are provided by Me Federal Emergency Management Agency(or other data sources)and has noted in this appraisal report whether any portion of the subject site is located in an Identified Special Flood Hazard Area. Because the appraiser is not a surveyor,he or she makes no guarantees,express or implied,regarding this determination. 4. The appraiser will not give testimony or appear in court because he or she made an appraisal of the property In question, unless specific arrangements to do so have been made beforehand,or as otherwise required by law. 5. The appraiser has noted in this appraisal report any adverse conditions(such as needed repairs,deterioration,the presence of hazardous wastes,toxic substances,etc.)observed during the inspection of the subject property or that he or she became aware of during the research involved in performing this appraisal. Unless otherwise stated in this appraisal report,the appraiser has no knowledge of any hidden or unapparent physical deficiencies or adverse conditions of the property(such as,but not limited to, needed repairs,deterioration,the presence of hazardous wastes,toxic substances,adverse environmental conditions,etc.)that would make the property less valuable,and has assumed that there are no such conditions and makes no guarantees or warranties,express or implied. The appraiser wtg not be responsible for any such conditions that do exist or for any engineering or testing that might be required to discover whether such conditions exist Because the appraiser Is not an expert in the field of environmental hazards,this appraisal report must not be considered as an environmental assessment of the property. 8. The appraiser has based his or her appraisal report and valuation conclusion for an appraisal that is subject to satisfactory completion,repairs,or alterations on the assumption that the completion,repairs.or alterations of the subject property will be performed in a professional manner. FmlleMa ram is With 2005 UAD Va*n1M1 Mahood um AChalmaraMITIThreaucluebai Feels lee ram use Hon A6 Pgeltle ImLaawwIIIDM 9324351098 Uniform Residential Appraisal Report File No 1120COTTONWOOC APPRAISER'S CERTIFICATION: The Appraiser certifies and agrees that: 1. I have,at a minimum,developed and reported this appraisal in accordance with the scope of work requirements stated in this appraisal report. 2. I performed a complete visual inspection of the interior and exterior areas of the subject property.I reported the condition of the improvements in factual,specific terms.I identified and reported the physical deficiencies that could affect the livability, soundness,or structural integrity of the property. 3. I performed this appraisal in accordance with the requirements of the Uniform Standards of Professional Appraisal Practice that were adopted and promulgated by the Appraisal Standards Board of The Appraisal Foundation and that were in place at the time this appraisal report was prepared. 4. I developed my opinion of the market value of the real property that is the subject of this report based on the sales comparison approach to value. I have adequate comparable market data to develop a reliable sales comparison approach for this appraisal assignment. I further certify that I considered the cost and income approaches to value but did not develop them,unless otherwise indicated in this report. 5. I researched,verified,analyzed,and reported on any current agreement for sale for the subject property,any offering for sale of the subject property in the twelve months prior to the effective date of this appraisal,and the prior sales of the subject property for a minimum of three years prior to the effective date of this appraisal,unless otherwise indicated in this report. 6. I researched,verified,analyzed,and reported on the prior sales of the comparable sales for a minimum of one year prior to the date of sale of the comparable sale,unless otherwise indicated in this report. 7. I selected and used comparable sales that are locationally,physically,and functionally the most similar to the subject property. 8. I have not used comparable sales that were the result of combining a land sale with the contract purchase price of a home that has been built or will be built on the land. 9. I have reported adjustments to the comparable sales that reflect the market's reaction to the differences between the subject property and the comparable sales. 10. I verified,from a disinterested source,all information in this report that was provided by parties who have a financial interest in the sale or financing of the subject property. 11. I have knowledge and experience in appraising this type of property in this market area. 12. I am aware of,and have access to,the necessary and appropriate public and private data sources,such as multiple listing services,tax assessment records,public land records and other such data sources for the area in which the property is located. 13. I obtained the information,estimates,and opinions furnished by other parties and expressed in this appraisal report from reliable sources that I believe to be true and correct. 14. I have taken into consideration the factors that have an impact on value with respect to the subject neighborhood,subject property,and the proximity of the subject property to adverse influences in the development of my opinion of market value. I have noted in this appraisal report any adverse conditions(such as,but not limited to,needed repairs,deterioration,the presence of hazardous wastes,toxic substances,adverse environmental conditions,etc.)observed during the inspection of the subject property or that I became aware of during the research involved in performing this appraisal. I have considered these adverse conditions in my analysis of the property value,and have reported on the effect of the conditions on the value and marketability of the subject property. 15. I have not knowingly withheld any significant information from this appraisal report and,to the best of my knowledge,all statements and information in this appraisal report are true and correct. 16. I stated in this appraisal report my own personal,unbiased,and professional analysis,opinions,and conclusions,which are subject only to the assumptions and limiting conditions in this appraisal report. 17. I have no present or prospective interest in the property that is the subject of this report,and I have no present or prospective personal interest or bias with respect to the participants in the transaction. I did not base,either partially or completely,my analysis and/or opinion of market value in this appraisal report on the race,color,religion,sex,age,marital status,handicap, familial status,or national origin of either the prospective owners or occupants of the subject property or of the present owners or occupants of the properties in the vicinity of the subject property or on any other basis prohibited by law. 18. My employment and/or compensation for performing this appraisal or any future or anticipated appraisals was not conditioned on any agreement or understanding,written or otherwise,that I would report(or present analysis supporting)a predetermined specific value,a predetermined minimum value,a range or direction in value,a value that favors the cause of any party,or the attainment of a specific result or occurrence of a specific subsequent event(such as approval of a pending mortgage loan application). 19. I personally prepared all conclusions and opinions about the real estate that were set forth in this appraisal report. If I relied on significant real property appraisal assistance from any individual or individuals in the performance of this appraisal or the preparation of this appraisal report,I have named such individual(s)and disclosed the specific tasks performed in this appraisal report. I certify that any individual so named is qualified to perform the tasks. I have not authorized anyone to make a change to any item in this appraisal report;therefore,any change made to this appraisal is unauthorized and I will take no responsibility for it. 20. I identified the lender/client in this appraisal report who is the individual,organization,or agent for the organization that ordered and will receive this appraisal report. 21. The lender/client may disclose or distribute this appraisal report to:the borrower;another lender at the request of the borrower; the mortgagee or its successors and assigns;mortgage insurers;government sponsored enterprises;other secondary market participants;data collection or reporting services;professional appraisal organizations;any department,agency,or instrumentality of the United States;and any state,the District of Columbia,or other jurisdictions;without having to obtain the appraiser's or supervisory appraiser's(if applicable)consent. Such consent must be obtained before this appraisal report may be disclosed or distributed to any other party(including,but not limited to,the public through advertising,public relations,news,sales,or other media). Freddie Mac Form 10 Mardi 250 DOD Vesm 9'2011 Placed using AO sawn,.13234 8721 vwxMeOmn Fare Mae Fit WM I Marc,,c Page sd6 C&WomuA14 9324351098 Uniform Residential Appraisal Report fie fin. 112oCo7TONWOOC 22. I am aware that any disclosure or distribution of this appraisal report by me or the lender/client may be subject to certain laws and regulations. Further,I am also subject to the provisions of the Uniform Standards of Professional Appraisal Practice that pertain to disclosure or distribution by me. 23. The borrower,another lender at the request of the borrower,the mortgagee or its successors and assigns,mortgage insurers, government sponsored enterprises,and other secondary market participants may rely on this appraisal report as part of any mortgage finance transaction that involves any one or more of these parties. 24. I this appraisal report was transmitted as an'electronic record'containing my'electronic signature,'as those terms are defined in applicable federal and/or state laws(excluding audio and video recordings),or a facsimile transmission of this appraisal report containing a copy or representation of my signature,the appraisal report shall be as effective,enforceable and valid as if a paper version of this appraisal report were delivered containing my original hand written signature. 25. Any intentional or negligent misrepresentation(s)contained in this appraisal report may result in ctvil liability and/or criminal penalties including,but not limited to,fine or imprisonment or both under the provisions of Title 18,United States Code,Section 1001,et seq.,or similar state laws. SUPERVISORY APPRAISER'S CERTIFICATION: The Supervisory Appraiser certifies and agrees that 1. I directly supervised the appraiser for this appraisal assignment have read the appraisal report and agree with the appraisers analysis,opinions,statements,conclusions,and the appraiser's certification. 2. I accept full responsibility for the contents of this appraisal report including,but not limited to,the appraiser's analysis, opinions,statements,conclusions,and the appraiser's certification. 3. The appraiser Identified in this appraisal report is either a sub-contractor or an employee of the supervisory appraiser(or the appraisal firm),Is qualified to perform this appraisal,and is acceptable to perform this appraisal under the applicable state law. 4. This appraisal report complies with the Uniform Standards of Professional Appraisal Practice that were adopted and promulgated by the Appraisal Standards Board of The Appraisal Foundation and that were in place at the time this appraisal report was prepared. 5. If this appraisal report was transmitted as an'electronic record'containing my'electronic signature,'as those terms are defined in applicable federal and/or state laves(excluding audio and video recordings),or a facsimile transmission of this appraisal report containing a copy or representation of my signature,the appraisal report shall be as effective,enforceable and valid as if a paper version of this appraisal report were delivered containing my original hand written signature. APPRAISER SUPERVISORY APPRAISER(ONLY IF REQUIRED) Signature [ Q�,�( Signature Name KEN l r FLEMING Name Company Name FLEMING APPRAISAL Company Name Company Address 4716 EasNbw Dr Company Address Loveland,CO 80537 Telephone Number 970-667-9321 Telephone Number Email Address CDFMMFQEARTM.INKNET Email Address Date of Signature and Report 04/012015 Date of Signature Effective Date of Appraisal 03/30/2015 State Certification# State Certification#CR1313332 or State License# or State License# State or Other(describe) State# Expiration Date of Certification or License State CO Expiration Date of Certification or License 12/31/2015 ADDRESS OF PROPERTY APPRAISED SUBJECT PROPERTY 1120 Cottonwood Ct 0 Did not inspect subject property Johnstown,CO 80534-8466 0 Did Inspect exterior of subject properly from street Date of Inspection APPRAISED VALUE OF SUBJECT PROPERTY$210,000 0 Did inspect interior and exterior of subject property Date of Inspection LENDER/CLIENT Name HEARTLAND COMPARABLE SALES Company Name First Technology Federal Credit Union 0 Did not inspect exterior of comparable sales from street Company Address 3555 SW 153rd Drive 0 Did inspect exterior of comparable sales from street Beaverton.OR 97006 Date of Inspection Email Address new ei FOIM10Maidi1035 IMO to,511011 Pactad uspA0vla®alamw.a.ea• kale Mee Fain 1a41Y,2005 Page sas 1btYPMD01sIDa fleming appraisal 9324351098 Uniform Appraisal Dataset Definitions File No. 1120COTTONWOOC Condition Ratings and Definitions Cl The improvements have been very recently constructed and have not previously been occupied.The entire structure and all components are new and the dwelling features no physical depreciation.' Wore:Newly constructed improvements that feature recycled materials and/or components can be considered new dwellings provided that the dwelling is placed on a 10V%new foundation and the recycled materials and the recycled components have been rehabilitated/re-manufactured into like-new condition.Recently constructed improvements that have not been previously occupied are not considered'new"if they have any significant physical depreciation li.e.,newly constructed dwellings that have been vacant for an extended period of time without adequate maintenance or upkeep). C2 The improvements feature no deferred maintenance,little or no physical depreciation,and require no repairs.Virtually all building components are new or have been recently repaired,refinished,or rehabilitated.All outdated components and finishes have been updated and/or replaced with components that meet current standards.Dwellings in this category either are almost new or have been recently completely renovated and are similar in condition to new construction. 'Note:The improvements representa relatively new property that is well maintained with no deferred maintenance and little or no physical depreciation,or an older property that has been recently completely renovated. C3 The improvements are well maintained and feature limited physical depreciation due to normal wear and tear.Some components,but not every major building component,may be updated or recently rehabilitated.The structure has been well maintained. 'Note:The improvement is in its fast-cycle of replacing short-lived budding components(appliances,floor coverings,HVAC,etc.)and is being wed maintained.Its estimated effective age is less than its actual age.It also may reflect a property in which the majority of shoe-lived building components have been replaced but not to the level of a complete renovation. C4 The improvements feature some mina deferred maintenance and physical deterioration due to normal wear and tear.The dwelling has been adequately maivained and requires only minimal repairs to building components/mechanical systems and cosmetic repairs.All major building components have been adequately maintained and are functionally adequate. 'Note:The estimated effective age maybe close to or equal to its actual age.It reflects a property in which some of the shmPlved building components have been replaced,and some short-lived building components are at or near the end of their physical life expectancy however,they std function adequately Most minor repairs have been addressed on an ongoing basis result g in an adequately maintained properly. C5 The improvements feature obvious deferred maintenance and are in need of some significant repairs.Some building components need repairs,rehabilitation,or updating.The functional utility and overall livability is somewhat diminished due to condition.but the dwelling remain useable and functional as a residence. 'Note:Some significant repairs are needed to the improvements due to the lark of adequate maintenance.It reflects a property in which many of its slert-lived building components are at the end ofor have exceeded their physical life expectancy but remain functional. C6 The improvements have substantial damage or deleted maintenance with deficiencies or defects that are severe enough to affect he safety,soundness,or structural integrity of the improvements.The improvements are in need of substantial repairs and rehabilitation,including many or most major components. 'Note:Substantial repairs are needed to the improvements due to the lack of adequate maintenance or property damage,erelkcls a property with conditions severe enough to affect the safety,soundness,or structural integrity of the improvements. Quality Ratings and Definitions 01 Dwellings with this quality rating are usually unique structures that are individually designed by an architect for a specified user.Such residences typically are constructed from detailed architectural plans and specifications and feature an exceptionally high level of workmanship and exceptionally high-grade materials throughout the interior and exterior of the structure.The design features exceptionally high-quality exterior refinements and ornamentation,and exceptionally high-quality interior refinements.The workmanship,materials,and finishes throughout the dwelling are of exceptionally high quality. Q2 Dwellings with this quality rating are often custom designed for construction on an individual properly owners site,However,dwellings in this quality grade are also found in high-quality tract developments featuring residences constructed from individual plans of from highly modified or upgraded plans.The design features detailed,high-quality exterior ornamentation,high-quality interior refinements,and detail.The workmanship,materials,and finishes throughout the dweling are generally d high or very high quality. Q3 Dwellings with this quality rating are residences of higher quality built from individual or readily available designer plans in above-standard residential tract developments or on an individual properly owner's site.The design includes significant exterior ornamentation and interiors that are well finished.The workmanship exceeds acceptable standards and many materials and finishes throughout the dwelling have been upgraded from'stock'standards. Q4 Dwellings with this quality rating meet or exceed the requirements of applicable building codes.Standard or modified standard building plans are utilized and the design includes adequate fenestration and some exterior ornamentation and interior refinements.Materials,workmanship,finish,and equipment are of stock or builder grade and may feature some upgrades. Q5 Dwellings with this quality rating feature economy of construction and basic functionally as main considerations.Such dwellings feature a plain design using readily available or basic floor plans featuring minimal fenestration and basic finishes with minimal exterior ornamentation and limited interior deail.These dwellings meet minimum building codes and are consuumed with inexpensive,stock materials with limited refinements and upgrades. Q6 Dwellings with this quality rating are of bask quality and lower cost;some may not be suitable for year-round occupancy.Such dwellings are often built with simple plans or without plans,often utilizing the lowest quality building materials.Such dwellings are often built or expanded by persons who are professionally unskilled or possess only minimal construction skills.Electrical,plumbing,and other mechanical systems and equipment may he minimal or non-existent.Older dwellings may feature one or more substandard or non-conforming additions to the original structure. Definitions of Not Updated,Updated,and Remodeled Not Updated Little or no updating or modernization.This description includes,but is not limited to,new homes. Residential properties of fifteen years of age or less often reflect an original condition with no updating,it no major components have been replaced or updated.Those over fifteen years of age are also considered not updated if the appliances,figures,and finishes are predominantly dated.An area that is'Not Updated'may still be well maintained and fully functional,and this rating does not necessarily imply deferred maintenance or physical/functional deterioration. Updated The area of the home has been modified to meet current market expectations.These modifications are limited in terms of both scopeard cost. An updated area of the home should have an improved look and feel,or functional utility.Changes that constitute updates include refurbishment and/or replacing components to meet existing market expectations.Updates do not include significant alterations to the existing structure. Remodeled Significant finish and/a structural changes have been made that increase utility and appeal through complete replacement and/or expansion. A remodeled area reflects fundamental changes that include multiple alterations.These alterations may include some or all of the following: replacement of a major component (cabinet(s),bathtub,or bathroom tile),relocation of plumbing/gas fixtures/appliances,significant structural alterations(relocating walls,and/or the addition of square footage). This would include a complete gutting and rebuild. Explanation of Bathroom Count The number of full and hall baths is reported by separating the two values by a period.The full bath is represented to the left of the period The half bath count is represented to the right of the period. Three-quarter baths are to be counted as a full bath in all cases.Quarter baths(baths that feature only toiet)are not to be included in the bathroom count. uvovsson want vsere1 using ao VMse®3N.en m'-Bomb-cm ,w,05Waellan, Union acpalLi oaaset tMrwars 9324351098 Uniform Appraisal Dataset Definitions Fee No.. 774ocoTTONWOOc Abbreviations Used In Data Standardization Text Abbrev. Full Name Appropriate Fields Abbrev. Full Name Appropriate Fields at Acres Area,Ste in Interior OM Stairs Basemem&Finished Rooms Below Grade MJ'tt Adjacento Pat Location Inn LandBi Location Arm AdJacenito Power Lees Locator LIdS*a Limited Sight View A Adverse Locatm6Wow Listing tiding Saw orFnaaig Cacessbm Amur Arms Length Sae Sale or Financing Concessions MR Mid-Rise Smxtre Desgn(Slre) AT /waded Sarum DesiggNtyle) Mm Mountain View View te Barown(s) Basement A Finished Rooms Below Grade N Neal Location&View br Bedroom Basement&Finished Rooms Bebw Grade NOWn POI-Arms Length Sale Sale or Fkeocig Concession 8 Beneficial Location&View op Open Garage/Camon BsyRd Busy Road Location o Odle Basemen&Fabled Rooms Bebe Grade cp Carport Garega'Cerym 0 alter DeSgn(Srfe) Cash Cash Sale or Finantig Concessions Prt Pak Yew View CIiSty Cty View SkyfreView View Psd Pastoral View View CIySv Cky Street Yew View Pwln Power L'nes View Cram Cwmerda lreeuce Location PubTm Pubic Trawparlabn Location c Contracted Dale Dated Sale/line rr Reaeelbna11Ret1 Room Basement Finished hed Rooms Reba Grade Caw Conventional Sale or FYmcng Concessions Rob Rebradm Sale Sale or Fiendlg Concessions cv Covered Garage/Carport REO REO Sale Sale or Finning Concessions Cr10rd Cant Ordered Sale Sale or Faening Cmcesams Res Residential Location&View DOM Days On Marka Dala Soirees RT Row or Townhouse Oesig(Stye) DT Detached Same Deigt(Stye) RH Roca Houseg-USDA Sale or Fwening Concessions der Driveway Garage/Carport SD Semi-detached Same Design(Style) Estate Estate Sale Sale aFinancing Concessions s Settlement Date Date dSale/The e Expiation Date Date ofSalerfine Shat Short Sale Sale or Financing Concessions FM Federal Housing Authority Sale or Fnatdng Concessions a Square Feet Arm,Ste.Basement 9 Garage Garage/Capon sqm Spree Maws Ara,See,Basement ga Garage-Attached Garage/Carpet Unk linkmen Date orSae/fine gbi Garage-Bitit Gerage/Carym VA Veterans MNasuadm Saleor Financing Concessions gd Garage-Detached Garage/Carport wo Walt Out Basement Basemen&Fasted Rooms Below Grade GR Garden Structure DeSbalye) m Walt Up Basement Basein rd&Finished Rooms Below Grade GlCse Goa Corse Location WirFr Water Footage Location Give Golf Cane Vim View Was Water New View HR High Rise Steam Design(Siie) w Withdraw Date Date at Saldfkne led Marta Location&View Woods Woods VW Yew Other Appraiser-Defined Abbreviations Abbrev. Full Name Appropriate Fields Abbrev. Full Name Appropriate Fields awVemnwatt Pedal elm=aremasrm....a.e0 r0mwmai. wam.yp-FYm+ud-Owns. ADDENDUM Borrower: Bennett Unda J File No.: 1120OOTTONWOOD Property Address: 1120 Cottonwood Ct Case No.: 9324351098 City: Johnstown State: CO ZiD: 80534-8466 Lender First Technology Federal Credit Union Neighborhood Description AVERAGE QUALITY ESTABLISHED NEIGHBORHOOD.PRIMARILY SINGLE FAMILY RESIDENCES.JOHNSTOWN IS AN AGRICULTURE AND BEDROOM COMMUNITY FOR COMMUTERS TO LONGMONT,GREELEY AND OTHER FRONT RANGE COMMUNITIES. SOME SHOPPING AND SERVICES AVAILABLE IN JOHNSTOWN. Neighborhood Market Conditions TYPICAL FINANCING IS FHA,VA AND CONVENTIONAL WITH MINIMAL SELLER PAID POINTS.FINANCING CONCESSIONS ARE TYPICALLY NOT A FACTOR IN THIS MARKET.WHEN PRESENT FINANCING CONCESSIONS TYPICALLY RANGE FROM 0-6%OF SALES PRICE. MARKET APPEARS GENERALLY STABLE.NO SUBSTANTIAL CHANGE IN SALES PRICES CAN BE DOCUMENTED.AVERAGE MARKETING TIME APPX.60 DAYS AND GENERALLY STABLE. EXPOSURE TIME 60 DAYS. Additional Features WOOD FENCE,COVERED FRONT PORCH,SPRINKLER SYSTEM,COVERED BACK PATIO, 5 PC MAIN BATH WITH JETTED BATH TUB,STAINLESS STEEL APPLIANCES.CERAMIC TLE BACK SPLASH IN KITCHEN,ARCHED DOORWAYS.BUILT IN CABINETS AND WASH SINK IN LAUNDRY.2 CEILING FANS.GARAGE IS FINISHED AND HAS DOOR OPENER.3 SOLAR TUBE SKYLIGHTS. Comments on Sales Comparison VERY LIMITED NUMBER OF ATTACHED DWELLING SALES IN THE SMALL COMMUNITY OF JOHNSTOWN MAKING IT NECESSARY TO EXCEED PARAMETERS IN SELECTING COMPS.USED COMP 1 LOCATED NEAREST THE SUBJECT BUT A DATED SALE SELLING 9 MONTHS AGO,MARKET APPEARS TO HAVE BEEN GENERALLY STABLE IN THAT TIME.ADJUSTED FOR SMALLER SITE,STREET SITE,GLA,BASEMENT,AND INCLUSIONS.COMP 2 A MORE RECENT SALE BUT EXCEEDS GLA PARAMETERS WHICH COULD NOT BE AVOIDED DUE TO LIMITED SALES.ADJUSTED FOR SITE,GLA,BASEMENT AND INCLUSIONS.COMP 3 SOLD 7 MONTHS AGO,MARKET STABLE IN THAT TIME.ADJUSTED FOR SITE,GLA,BASEMENT,AND INCLUSIONS.UNABLE TO BRACKET GLA DUE TO LACK OF SALES WITH MORE GLA THAN THE SUBJECT.INDICATED VALUE IS BRACKETED.COMPS ARE GIVEN WEIGHT WITH A MID RANGE VALUE DEEMED APPROPRIATE.COMPS 2/3 IN COMPETING AREA ON OTHER SIDE OF HIGHWAY HAS NO IMPACT ON VALUE OR MARKETABILITY IN SMALL TOWN.AT THE PRESENT TIME THERE ARE NO COMPARABLE HALF DUPLEX PENDING SALES OR COMPETING LISTINGS IN ALL OF JOHNSTOWN OR THE COMPETING TOWN OF MILLIKEN,GOING TO OTHER COMMUNITIES WOULD NOT BE CREDIBLE. Final Reconciliation 3 APPROACHES TO VALUE CONSIDERED.MOST WEIGHT GIVEN TO THE DIRECT SALES COMPARISON APPROACH WHICH REFLECTS DIRECT ACTIONS OF BUYERS/SELLERS,COST APPROACH NOT USED DUE TO AGE OF SUBJECT.UNRELIABLE FOR ATT.DWELLINGS. INCOME APPROACH NOT USED DUE TO A LACK OF RENTAL DATA IN PRIMARILY OWNER OCCUPIED AREA. Conditions of Appraisal THE MARKET VALUE WAS PREPARED FOR FEDERALLY RELATED MTG.LOAN PURPOSES AND IS IN CONFORMANCE WITH THE REQUIREMENTS OF FIRRFA,THE UNIFORM STANDARDS OF APPRAISAL PRACTICE AND FOR USE BY First Technology Federal Credit Union AND THEIR ASSIGNEES.NO OTHER INTENDED USES OR USERS ARE IDENTIFIED BY THE APPRAISER. Cost Approach Comments GLA=1499SF.SEE ATTACHED FLOOR PLAN SKETCH WITH GLA CALCULATIONS.PER VA INSTRUCTIONS. REQUEST REC'D 05/28/2013 INSPECTED 06/05/2013-CALLED FOR TIDEWATER,PERSON ON 1805 DID NOT RESPOND,NO LONGER ON THE TEAM.CONTACTED ANOTHER PARTY WITH THE LENDER WHO DID RESPOND ASKING FOR 48 HOURS FROM THE TIME SHE WAS CONTACTED.REC'D AND REVIEWED ADDL INFORMATION, ATTEMPTED TO COMPLETE AND UPLOAD APPRAISAL.DISCOVERED THAT ALTHOUGH THE SITE INDICATED CONTRACT WAS LOADED WHEN OPENER IT WAS NOT THERE.CONTACTED LENDER TO RE LOAD THE CONTRACT OR EMAIL TO ME WHICH WAS DONE 06/17/2013,ATTEMPTED TO GO TO THE SITE,REC'D ERROR MESSAGES AND COULD NOT ACCESS.UPLOADED 06/18/2013. Extra Comments APPRAISER FEE$325.00 CO:AMC20131094 AMC REGISTRATION I HAVE PERSONALLY MEASURED THE SUBJECT PROPERTY AND BELIEVE MY MEASUREMENTS TO BE ACCURATE.IF A VARIANCE EXISTS BETWEEN MLS AND COUNTY RECORDS MLS HAS BEEN RELIED ON. Adtlartm Page 1 of 1 9324351098 Market Conditions Addendum to the Appraisal Report neap. 1120carrot W00C The pupae of dit addend=is m pmme the aidaklat mist a clear eel accurate understanding of the market vends and cannons prevalent Stim subject neigh steed.Thiw h a spoked Si an kr Napuasa record wide an esecdve date on or alter Aai1.2009. Properly Mamas 1120 Cottonwood Ct Cm,Johnstown sate CO Zip Coda 80534-8468 Boomer Barnett Linda J Insauctions: The appraiser met use theiriumation remised at this form as the bass for Nsge conclusions.aid nustpoSe stpportla Htneconckssius,regarding hosing trends and pets mike cei lmrs a reported the NSgtmshmd section done appraisal repot am.The appraiser nastta m all the i*atre n to the Met a is available and Made aid mat pea aehysis as imaged below.B any rebuked data is unavailable es considered mutes,the appraiser mat provide en explanation.his recognized that at all data sauces all be able to provide data for the shaded ems below;l It Is available.however.the appraiser must irkme the data kite analysis.ISM wads amide the required idaman as an avenge Staid oldie merlon.the appase should sapodilla mailable 1gw.sal St it eats average.Sales and Swings must be meanies that compete wehMe stJeapapacy,determined byapplykg the albria r: .M.cn.,,: ,;. . �: , .,,.:.n Themoaisv :exdebananoMWes Stledele suits.,seasonal=kids uncosasaat forecbsues em PON 7.12 Made Prim4B Mat One-3 tome OWelTmid Total d Campaede Sales(Wed) 3 0 0 maemi9 slWe I . Declining Rme0mlSaleaMmaha) 0.5 0.0 0.0 IU h Sate U 1-• TabledEvaporabeNmte Otitgs 0 Madder -' dal .: ,.Ab.aa) 0.0 Prior 7.12 Months Mier 44Months Curet-3 Made OmelTtaid Medan CmpaablSae Pike 210.000 WA N/A maeadng A Stable Iaaag Melon ..Saes', on Marker WA N/A Stable Mien Camara*LINPrke N/A Mien , Me „ enMarket IJNAVAIL Medan Sale Pnaas%d Lm Price 100.0% WA N/A I�mnmabg IY Matt Reap Sellaldeabpa,Wider.alo.)pSid financial swstarcepavilet7 lJYes . No Meaning II!) sable I Increasing Explain in Sal the sear canmssbm trends ate pest 12 norms(e.g,serf contributions increased from 3%m sec moeNg umad buydome,dosing cads,condo has.options.etc.). SELLER CONCESSIONS ARE TYPICALLY NOT A FACTOR IN THIS MARKET.WHEN PRESENT RANGE FROM 0-8%OF SALES PRICE. Me forecloses sales(REM sales)aaaa here market? Oyes ®a if yes.Spam(inducing deeedslilsags and soles of Inclosed properties). THERE HAS BEEN LIMITED RECENT FORECLOSURE ACTIVITY WITHIN THE AREA. Cite data souses for above Hononlon. MISIIRES Summarize ere above Information as support for your conclusions in the Nelghaahood section ode appraisal report IconIf you used any additional inamson,such as an analysis of gaming sales at ad aid indian MISS,momWte your conch:WOW provide bahaaapemlonad sppatayarcackeas. OVERALL THE MARKET APPEARS GENERALLY STABLE.UNAVAILABLE ABOVE IS DATA NOT TRACKED BY THE LOCAL MLS. DATA IS FAR TOO UMITED FROM WHICH TO DRAW MEANINGFUL MARKET TREND CONCLUSIONS.VERY LIMITED HALF DUPLEX SALES TO CONSIDER tithe subject Me unit in a condominium or cooperative projea,complete the following: Project Name: Subject Project Data Ron 712 Maas Pita 45 Maas Croat-3 Mints Omni Tend Tale d Ceemengle Sales(Setle@ I kmmag I Sam Nina Rata MN SEAM Tail Id Ache comparebk Wigs Months a Unit SMpply(TM LsaMalb.Rate) Are(credos=sales(REO sales)a am In the project? Yes No ryes,indicate eremite d REO labgs and eplemde trends balsags and saedrmedaad papelm. Sunowae dm abate bends and address the aped mate amject unit and project APPRAISER SUPERVISORY APPRAISER(ONLY IF REQUIRED) Signature Name }G�(EM,G( �� Signature Naa me KE L FLEMING Name Company Name FLEMING APPRAISAL Company Name Company Address 4718 Eastvlew Dr Company Address Loveland.CO 80537 State License/Certification#CR1313332 State CO State UcenseCeNfcabon# State Email Address CDFMMF@EARfHLINK.NET Email Address Freckle Mac Foals lath mY etlWuaasaaaa Marini euu a, Face Mr Men vOYC la d,NM pgtdl ass®® DIMENSION LIST ADDENDUM Borrower: Bennett Linda J File No.: 1120C0TFONW00D Property Address:1120 Cottonwood Ct Case No.:9324351098 City:Johnstown State:CO Zip:80534-8466 Lender:First Technoloov Federal Credit Union GROSS BUILDING AREA(GBA) 3,625 GROSS LIVING AREA(GLA) 1,499 Meals) Area %of GU %of GBA Living 1,499 41.35 Level 1 0 0.00 0.00 Level 2 0 0.00 0.00 Level 3 0 0.00 0.00 Other 1,655 110.41 45.66 GM Basement ❑ 1,486 Garage ❑ 484 D Area Measurements Area Type Measurements Factor Total Level 1 Level 2 Level 3 Other Bsmt. Garage 1.00 x 7.00 x 100 . 7.00 ❑ ❑ IDN ❑ ❑ 10o x 6 00 „ 100 = 6 00 000000 5.00 x 1400 a 1.00 - 70,00 IDOONDO 30,00 x 40 00 x 1 00 = 1 200.00 ❑ ❑ D o ❑ ❑ 14.00 x 12.00 x 1.0Q - 168 00 000000 6,00 a 8 00 x 1.00 = 48.00 O❑ 0 O 0 Lipp „ x 22.00 a 27.00 x 1.00 = 484.00 000000 5.00 x 14 00 x 1.00 - 70 00 ❑ ❑ O ❑ ❑X ❑ 30 00 x 40.00 x 100 = 1200.00 ❑ ❑ O ❑ O ❑ 14.00 a 12.00 x 1.00 = 168.00 000000 6.00 x 8.00 x 1.00 = 48.00 ❑ ❑ ❑ ❑ ❑X ❑ a x _ - 000000 „ x _ a a - O O O O O O ❑ ❑ ❑ ❑ ❑ „ x _ 00 X x _ = O O O O ❑ ❑ X x _ 000000 „ „ 000 x x O O OO D ❑ O x „ _ _ 000000 x x _ 000000 x x _ 000000 x „ _ 0 x x _ - 000000 O O O ❑ x a _ x x _ . 000000 x x _ 000000 x x _ - = O O O O 0 0 x x x O O O O O O 000000 x x _ 00000 0 a x _ „ x O O O O O 0 0 „ x _ 000000 x x _ . 000000 x „ 000000 X x x _ . 000000 x x _ 000000 x x x x _ - ❑ ❑ ❑ O O D x x ____ . 000000 x x _ . 000000 x x _ . 000000 „ x _ _ x - O 0 000 0 0„ ❑ x x _ - 000000 x x ___ . 000000 x x _____ . a a _ 000000 x x ___ . 000000 flo]rel ustgACI ssMwe®334nix,vrurban an 1p0M1 SUBJECT PROPERTY PHOTO ADDENDUM Borrower: Bennett Linda J File No.: 1120COTTONWOOD Property Address: 1120 Cottonwood Ct Case No.: 9324351098 City: Johnstown State: CO Zip: 80534-8466 Lender: First Technology Federal Credit Union FRONT VIEW OF 7.414%%'. SUBJECT PROPERTY Appraised Date: March 30, 2015 _ Appraised Value: 5 210,000 Sate. • iirr . ♦ j - ~_ • -' - - - -- REAR VIEW OF 1 i SUBJECT PROPERTY -1,41 11 I i • i MO STREET SCENE /IR ch . • a.a lira ' s' _1 COMPARABLE PROPERTY PHOTO ADDENDUM Borrower: Bennett Linda J File No.: 1120COTTONWOOD Property Address: 1120 Cottonwood Ct Case No.: 9324351098 City: Johnstown State: CO Zip: 80534-8466 Lender: First Technology Federal Credit Union COMPARABLE SALE #1 1208 Country Acres Ct ,� Johnstown, CO 80534-8467 Sale Date: s06/14;c05/14 Sale Price: $ 191 ,500 _ . �• : I ; Wilt . - R r-- , COMPARABLE SALE #2 1. - •_:. . 1210N 3rd St ti`"""�' _ • Johnstown, CO 80534-5600 ate./' MIS l -, . i.... Sale Date: s09/14;c08/14 ' . a ` `— Sale Price: $ 210,000 A, I : .3n - .�� .� _.. r _=-- - " - kik COMPARABLE SALE #3 'Alit:- , . t� .- • . lye• • �, I. ► �! 905 N 3rd St I. `:• � :,, i• Johnstown, CO 80534-8800 _ H,' Sale Date: s08/14;c07/14 �'°? t J Sale Price: $ 215,000 . ,tea '! ' i yihnth... , --- ' '' ' — yl• IV --iceI 1 I _ I 2 P' . ' 1..._03.. .-2 - 1'4.'X0. . r_L L•. _•*;:.+4._ .1.52:1t. _t V t.. . rer ..i_l i't7-Z r..Y't$•t2 A'iJ )i Borrower: Bennett Linda J File No.: 1120COTTONWOOD Property Address: 1120 Cottonwood Ct Case No.: 9324351098 City: Johnstown State: CO Zip: 80534-8466 Lender: First Technology Federal Credit Union SIDE VIEW it.2a ern gias in ea rr N � rt M M as s� t sap I de I I\ - ifIll ' fI BEDROOM Jt i 1111. I Peer • r BATH ROOM E b. 4 el o j ( Produced twig ACI sdnvae 800234 8121 wwmredreb oom PHT305212013 Borrower: Bennett Linda J File No.: 1120COTTONWOOD Property Address: 1120 Cottonwood Ct Case No.: 9324351098 City: Johnstown State: CO Zip: 80534-8466 Lender: First Technology Federal Credit Union u ---� LIVING ROOM I Al, ili Ciii t k . A , d4 i Ike - i r et .1014. 4t -•, _ KITCHEN • II 4_ WA " � A a "' ,• - I jr ir ,., 1 ....... T ---------r, ii ilk 4) • i e { 1 _k _ Mfr _ t. �c _ - �� I~ SMOKE DETECTOR Produced using ACI sortwxe.800 234 8727 me*acweb.com PIM 05212013 Borrower: Bennett Linda J File No.: 1120COTTONWOOD Property Address: 1120 Cottonwood Ct Case No.: 9324351098 City: Johnstown State: CO Zip: 80534-8466 Lender: First Technology Federal Credit Union CARBON MONOXIDE DETECTOR • frr LAUNDRY 41111lett alit 446 • BEDROOM sere- J tper ld Prod;[cd owl?ACI software.800 214 8727 wwwaaweb com PNT305212013 FLOORPLAN SKETCH Borrower: Bennett Linda J File No.: 1120COTTONWOOD Property Address: 1120 Cottonwood Ct Case No.: 9324351098 City: Johnstown State: CO Zip: 80534-8466 Lender: First Technology Federal Credit Union I Sketch ,ft 26ft .La rrs 14ft Concrete Patio - - - [Area 156 ft] 26ft 26ft Bedroom Kitchen oi(71 FP Living �n First Floor [Area Bath Basement Q Bath Laundry t-1499 ft=j t- [Area 1486 ft] Q 22ft 22ft Bedroom 4 2 Car Attached Eft � 6ft Z_ [Area 484 ft2] a L rr 12ft - Sit 22ft 1 12 ft t I .,.•, r A,. .: Area Calculation First Floor 1499 flz First Floor X 1.00 - 1499 W Nonliving Area O 1ftx 7ftx 1.00= 7 ft' Concrete Patio 156 ft' 1ftx Mx 1.00 • Eft' 2 Car Attached 484 ft' 5ftx 14ftx 1.00- 70 ft' Easement 1466 ft' 30ft x 40ft x 100 • 1200 ft' 14ft x 12ft x 1.00= 168 ft' Total Lmng Area(rounded): • " 1 ' Eft x 8ft x 1.DO = 48 ft' LOCATION MAP Borrower: Bennett Linda J File No.: 1120COTTONWOOD Property Address: 1120 Cottonwood Ct Case No.: 9324351098 City: Johnstown State: CO Zip: 80534-8466 Lender: First Technology Federal Credit Union HI c. ti r N>rb Nelson Farm irr Park - Ball Fields a > N 7th Pi t CO 1151 ■ Greater Western Fence --) r N 6th St 5 'o Comparable Sale 3 Suntide Dr n D 905 N 3rd St Comparable Sale 2 ti N 5Th ; Johnstown, CO 80534-8800 1210N3rdSt 0.40 miles NE ;oiling tosp Johnstown, CO 80534-5600 41s..: 0.35 miles NW N 4th St N 3rd St N 3rd St N 3rd st d 2, i. a. St N 2nd St N 2nd St ± z z .C. X o rn N First St r) < Johnstown Fire N Park Ave y f° �,v t ,; Comparable Sale 1 f° L`,u 1208 Country Acres Ct Johnstown, CO 80534-8467 Subject to St Charlotte St 0.10 miles NW 1120 Cottonwood Ct in a perk Ave- Johnstown, CO 80534-8466Nm» 0 r n r ro W South 1 . St S 1st St Country Acres Ct Niadas Ct CA -0 Cottonwood Dr I ft `` a Moun4V i Ai = a jest Dr < I D 0 v tn 4o P ceS�` C Cr��`I oU S"(Ira Dr Torrey Pines l Hillsboro Dee Rd Ditch c c -� J -J '0 i 5 , a c r4 g C7 Q o I Map data'©1315 tat 1e Borrower: Bennett Linda J File No.: 1120COTTONWOOD Property Address: 1120 Cottonwood Ct Case No.: 9324351098 City: Johnstown State: CO Zip: 80534-8466 Lender: First Technology Federal Credit Union STATE OF COLORADO Department of Regulatory Agent. es D'v,s on of R.cal E3ta'e Active cri..,•k:i CA 5f=:!P.E kiwth CAR Residential Aperatar 1313372 Jon 1 2013 Dec 31 20'5 Nines lawsDeAa ErwT, SCALL C r,EWtIG LCVELA►m CO NW Pnwerrr AdnIiemA ' Linn V Borrower: Bennett Linda J File No.: 1120COTTONWOOD Property Address: 1120 Cottonwood Ct Case No.: 9324351098 City: Johnstown State: CO Zip: 80534-8466 Lender: First Technology Federal Credit Union a. en Real Estate Appraisers Professional A .% Ft do Pp �► % i%t, liter,. Liability Date issued P611cvSuter Previaus PolicyNuebei 05/06/2014 110004318-013 11000318-012 LIBERTY INSURANCE UNDERWRITERS INC. (A Stuck lustuwtec Company. hereinafter the 'Company") 55 Wain Strata, 18th Float New York. NY 10041 THIS IS A CLAIMS RADE ANO REPORTED POLICY. PLEASE READ Ii CAREFULLY. Item DECLARATIONS 1. Custeser ID: 128653 it is unlawful to knowingly provide false. incomplete, or Mad Insured: misleading facts or information to an insurance company FLEMItiG APPRAISAL for the purpose of defrauding or attempting to defraud the company. Penalties may include imprisonment, Kendall I letting fines, denial of insurance and civil damage... Any 4716 Eastvicw Or. insurance company or Agent of an tnstlr$nee rr?mpsny Loveland, CO 80537 who knowingly provides false, Incomplete, or misleadlne facts or inftxmation to a policyholder tit claimant fix the 2. Paics Period: purpts.e of defrauding or attempting to defraud the Erom: 0610712014 to: OGnOTr2015 policyholder or claiming with reganl to a settlement or award payable for insurance proceeds shall be reported I'.01 A M. Standard Tut. at dm address stated in to the Colorado Division of insurance within the item I. Department of Regulatory Agencies. 3. i tductihk: St.000 Inch Claim 4. Retroactive Date: 06/07/1994 S. lnccplion Dale: Ofv'O11200? 6 Liman of Liability. A. 51.000.000 Each Chum R. SW.Otxl.011e Appegutc 7. Mail all notices. including notice of claim, to Agent: iA Admmtatrahnn k inumatwr Samara 1600 Auawpt Street zua BUJ bill a, 041Narua 93101 (800) 334-0652; Fax: (805) 'X[2.0652 S. Annual Premium: $1 ,152 .00 0_ !limbos'- nt Appra1citric, 1 IQ. Forms attached at issue: I1A047 (10/11) IIA CO (03/10) IIA CO HOT ICF(03/10) tIA017 (08/il) ( Tanta (ns/lfl) I TAM49 (64/111) near (4A 64) This Declarabons Page legesh a mth v* completed and signed Policy ApplicAtcn including all attachments and exhibits thereto and the Real Estate Appraisers Prniessional Liability insurance Policy sltatl constitute th 1 between the Named Insured and the Company. By IIA0f11 (( 4/1f1) AuthnrljMSl gnat tare Borrower: Bennett Linda J File No.: 1120COTTONWOOD Property Address: 1120 Cottonwood Ct Case No.: 9324351098 City: Johnstown State: CO Zip: 80534-8466 Lender: First Technology Federal Credit Union • 1 t I/ gab BATHROOM BASEMENT MECHANICAL CARBON MONOXIDE DETECTOR RothLA.:sing AC!sohw,ve.800 234.8727 www.auweo corn PHT15 FLOOD MAP Borrower: Bennett Linda J File No.: 1120COTTONWOOD Property Address: 1120 Cottonwood Ct Case No.: 9324351098 City: Johnstown State: CO Zip: 80534-8466 Lender: First Technology Federal Credit Union 1 1 i ® ® i ova reet Y it Nelson l i t Pan -darters ' N 14 4 h _ t Neer Gekt re.r Ut alil a sr a n� tingle(} t 2 El 4 1 $ wse.st Cie a ; p rj ..).d`-+ C yM.wepp(n .,0 A 94 Subject htuh Nr.,r� c ; �" 112O Cottonwood Ct ' "i1owti "n Maw" �w Johnstown, CO 80534iv sr `V .M4r: :( O t ; - s:mv 3 - t' 1-est v ItaibOgo DMA, JR/(0 a t Y .�m.rrto 5 5 r tt yz © � } j � i�SM..Nora in a -a i , X t Grainiest D. CrrinnuM6 CC kJ.1c 1 ED tennis c_ 2 4545 a ..g 8040 En mods eGct 5 Gooy: FLOOD INFORMATION LEGEND Community: TOWN OF JOHNSTOWN rt4 . FEMA Special Flood Hazard Area - High Risk Property is NOT in a FEMA Special Flood Hazard Area Map Number: 08069C1410F •• Moderate and Minimal Risk Areas Panel: 1410E Road View: Zone: X IIIMap Date: 12-19-2006 = Forest - Water FIPS: 08123 Source: FEMA DFIRM Sky FloodTM No representations or warranties to any party concerning the content, accuracy or completeness of the flood report including any warranty of merchantability or fitness for a particular purpose rc implied or provided Visual scaling factors differ between map layers and we separate from flood rune information at marker location No fiabdity is accepted to any third party for any use or mays°of this flood map or its data AERIAL MAP Borrower: Bennett Linda J File No.: 1120COTTONWOOD I Property Address: 1120 Cottonwood Ct Case No.: 9324351098 City: Johnstown State: CO Zip: 80534-8466 Lender: First Technology Federal Credit Union T — a C t� k 46. � , - r 0 , . • • r` • 1,.. ------- lit.. . 4 14 ' 0 ti1/44stai) . , ... -.7.....:v r• r PI,' • % r+ . • r I. . ti• L .✓ � I�l ;•�.1' Vista at I . , .. • • ,�`� •'• , 1 r si) ••••• an, r" / - , ' 1 • 1 OS Iti r• `• , I • • •. a -_ 1 Subject l •►rr� 1120 Cottonwood Ct • - Johnstown, CO 80534-8466• • %VIA 1 . - 4 1 f F nai.4 a r� ; `kN„4. 41.- ----i, • 4,„. il r-Al L :,.., r , , . n4IIIMS . se 4 ilit ..,, por+ •*- c kift r , . , I .1. t i i ; n i A.U. • s e , • gib 4 gal: N - ; • • 1lr l • Of \ ins2. �• , j r ;fie- itioJ ♦♦ .... 1 ,Sea afy•-tl l r,,<i r ery �,aosidi ,.`41sIst 114.0". 47M0... -.NV: 1 :ii. tt • ,l it • !, s f - r t/ ' r T riss Goggle r is ,r • Ma• data @2015 Good der g a h a r +> d 513 i -y Y �< ^.:wrrxG x,5 `7kw '" ° ' i ULf0:o B�� ' '' $1.64 *y 1 � ?y, a ` " x R2304W121485-03 '1 i • • 'Pi:1*c#114 t 5 �� Al fir^ ^ p - y" 3 '° f' a6,ckT rte" J / .. F - G - ma` �'`r�Y4 LEI •ta nY ,., --• k 4.,,,.5. -/-4,....t,.;;;.,,..,,,,:...,�r m .., ,,, ,$-;-',4t7,7 r y d` * • `"hi n n,*� ,..'`�'?.. ` a xt_:p,,' 1':r:: ' , : ,.eJ s t �. ri q� Hello