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1200 Day Ave., Concord, CA 94520 appraisal
The home I was buying at 1200 Day Ave., in Concord CA sadly appraised at $35,...
From Daren Darrow
INVOICE
FROM:
Telephone Number:Fax Number:
TO:
Telephone Number:Fax Number:Alternate Number:E-Mail:
INVOICE NUMBERDATEREFERENCE
Internal Order #:Lender Case #:Client File #:Main File # on form:Other File # on form:Federal Tax ID:Employer ID:
Lender:Client:Purchaser/Borrower:Property Address:City:County:State:Zip:Legal Description:
$DESCRIPTIONFEESAMOUNT
SUBTOTAL
PAYMENTSAMOUNT
Check #:Date:Description:Check #:Date:Description:Check #:Date:Description:
SUBTOTAL
TOTAL DUE
Form NIV5 — "WinTOTAL" appraisal software by a la mode, inc. — 1-800-ALAMODESanderfer Appraisal Services
Sanderfer Appraisal Services3723 Taylorsville RoadLouisville, KY 40220502-458-2520David LangubUnited Mortgage Lenders4969 U.S. Hwy 42Suite 2400Louisville, KY 40222 jburke@umlusa.com0606106806/09/200606061068060610680606106861-1319240United Mortgage LendersUnited Mortgage LendersGraff, Shane2209 Wrocklage AveLouisvilleJeffersonKy40205Deed Book 7657 Page # 0648100.00100.00100.00502-458-2363
Form NIV5 — "WinTOTAL" appraisal software by a la mode, inc. — 1-800-ALAMODESanderfer Appraisal Services
Sanderfer Appraisal Services3723 Taylorsville RoadLouisville, KY 40220502-458-2520David LangubUnited Mortgage Lenders4969 U.S. Hwy 42Suite 2400Louisville, KY 40222 jburke@umlusa.com0606106806/09/200606061068060610680606106861-1319240United Mortgage LendersUnited Mortgage LendersGraff, Shane2209 Wrocklage AveLouisvilleJeffersonKy40205Deed Book 7657 Page # 0648100.00100.00100.00502-458-2363
INVOICE
FROM:
Telephone Number:Fax Number:
TO:
Telephone Number:Fax Number:Alternate Number:E-Mail:
INVOICE NUMBERDATEREFERENCE
Internal Order #:Lender Case #:Client File #:Main File # on form:Other File # on form:Federal Tax ID:Employer ID:
Lender:Client:Purchaser/Borrower:Property Address:City:County:State:Zip:Legal Description:
$DESCRIPTIONFEESAMOUNT
SUBTOTAL
PAYMENTSAMOUNT
Check #:Date:Description:Check #:Date:Description:Check #:Date:Description:
SUBTOTAL
TOTAL DUE
Page #1File No. 06061068
LOCATED AT:FOR:AS OF:BY:
Sanderfer Appraisal ServicesForm GA2 — "WinTOTAL" appraisal software by a la mode, inc. — 1-800-ALAMODE
2209 Wrocklage AveDeed Book 7657 Page # 0648Louisville, Ky 40205United Mortgage Lenders4969 U.S. Hwy 42Louisville, KY 4022206/08/2006Eric J McGlincySanderfer Appraisal Service3723 Taylorsville Rd.Louisville, Ky., 40220(502) 458-2520
APPRAISAL OF REAL PROPERTY
Sanderfer Appraisal ServicesForm GA2 — "WinTOTAL" appraisal software by a la mode, inc. — 1-800-ALAMODE
2209 Wrocklage AveDeed Book 7657 Page # 0648Louisville, Ky 40205United Mortgage Lenders4969 U.S. Hwy 42Louisville, KY 4022206/08/2006Eric J McGlincySanderfer Appraisal Service3723 Taylorsville Rd.Louisville, Ky., 40220(502) 458-2520
APPRAISAL OF REAL PROPERTY LOCATED AT:FOR:AS OF:BY:
Page #2File No. 06061068
Uniform Residential Appraisal Report
File #
S U B J E C T C O N T R A C T N E I G H B O R H O O D S I T E I M P R O V E M E N T S
The purpose of this summary appraisal report is to provide the lender/client with an accurate, and adequately supported, opinion of the market value of the subject property.Property AddressCityStateZip CodeBorrowerOwner of Public RecordCountyLegal DescriptionAssessor's Parcel #Tax YearR.E. Taxes $Neighborhood NameMap ReferenceCensus TractOccupantOwnerTenantVacantSpecial Assessments $PUDHOA $per yearper monthProperty Rights AppraisedFee SimpleLeaseholdOther (describe)Assignment TypePurchase TransactionRefinance TransactionOther (describe)Lender/ClientAddressIs the subject property currently offered for sale or has it been offered for sale in the twelve months prior to the effective date of this appraisal?YesNoReport data source(s) used, offering price(s), and date(s).Ididdid not analyze the contract for sale for the subject purchase transaction. Explain the results of the analysis of the contract for sale or why the analysis was notperformed.Contract Price $Date of ContractIs the property seller the owner of public record?YesNoData Source(s)Is there any financial assistance (loan charges, sale concessions, gift or downpayment assistance, etc.) to be paid by any party on behalf of the borrower?YesNoIf Yes, report the total dollar amount and describe the items to be paid.
Note: Race and the racial composition of the neighborhood are not appraisal factors.Neighborhood Characteristics
LocationUrbanSuburbanRuralBuilt-UpOver 75%25-75%Under 25%GrowthRapidStableSlow
One-Unit Housing Trends
Property ValuesIncreasingStableDecliningDemand/SupplyShortageIn BalanceOver SupplyMarketing TimeUnder 3 mths3-6 mthsOver 6 mths
One-Unit Housing
PRICE$ (000)AGE(yrs)LowHighPred.
Present Land Use %
One-Unit%2-4 Unit%Multi-Family%Commercial%Other%Neighborhood BoundariesNeighborhood DescriptionMarket Conditions (including support for the above conclusions)DimensionsAreaShapeViewSpecific Zoning ClassificationZoning DescriptionZoning ComplianceLegalLegal Nonconforming (Grandfathered Use)No ZoningIllegal (describe)Is the highest and best use of subject property as improved (or as proposed per plans and specifications) the present use?YesNoIf No, describe
UtilitiesPublicOther (describe)PublicOther (describe)
ElectricityGasWaterSanitary Sewer
Off-site Improvements - TypePublicPrivate
StreetAlleyFEMA Special Flood Hazard AreaYesNoFEMA Flood ZoneFEMA Map #FEMA Map DateAre the utilities and off-site improvements typical for the market area?YesNoIf No, describeAre there any adverse site conditions or external factors (easements, encroachments, environmental conditions, land uses, etc.)?YesNoIf Yes, describe
General Description
UnitsOneOne with Accessory Unit# of StoriesTypeDet.Att.S-Det./End UnitExistingProposedUnder Const.Design (Style) Year BuiltEffective Age (Yrs)
Foundation
Concrete SlabCrawl SpaceFull BasementPartial BasementBasement Areasq.ft.Basement Finish%Outside Entry/ExitSump PumpEvidence ofInfestationDampnessSettlement
Exterior Descriptionmaterials/condition
Foundation WallsExterior WallsRoof SurfaceGutters & DownspoutsWindow TypeStorm Sash/InsulatedScreens
Interiormaterials/condition
FloorsWallsTrim/FinishBath FloorBath WainscotAtticNoneDrop StairStairsFloorScuttleFinishedHeatedHeatingFWAHWBBRadiantOtherFuelCoolingCentral Air ConditioningIndividualOtherAmenitiesFireplace(s) #Patio/Deck PoolWoodstove(s) #FencePorchOtherCar StorageNoneDriveway# of CarsDriveway SurfaceGarage# of CarsCarport# of CarsAtt.Det.Built-inAppliancesRefrigeratorRange/OvenDishwasherDisposalMicrowaveWasher/DryerOther (describe)Finished area
above
grade contains:RoomsBedroomsBath(s)Square Feet of Gross Living Area Above GradeAdditional features (special energy efficient items, etc.).Describe the condition of the property (including needed repairs, deterioration, renovations, remodeling, etc.).Are there any physical deficiencies or adverse conditions that affect the livability, soundness, or structural integrity of the property?YesNoIf Yes, describeDoes the property generally conform to the neighborhood (functional utility, style, condition, use, construction, etc.)?YesNoIf No, describe
Page 1 of 6Freddie Mac Form 70 March 2005Fannie Mae Form 1004 March 2005
06061068060610682209 Wrocklage AveLouisvilleKy40205Graff, ShaneGraff, Shane & ElizabethJeffersonDeed Book 7657 Page # 064810-078G-0005-000020061,895Highlandssee attached0088.00-10.00United Mortgage Lenders4969 U.S. Hwy 42, Suite 2400, Louisville, KY, 40222MLS/Owner/ClientN/A
refinance
N/APVAN/A1301,000225401006585555The subject property is located east of Eastern Parkway, west of I-264, north of Newburgh Road and south of I-64.See page 3 for comments.See page 3 for comments.40 x 161 per PVA / subject to survey6,440 Sq.Ft.rectangularaverageR-5S/F ResidentialasphaltyesX21111C0090D2-2-1994There are no**apparent easements or encroachments that have a negative effect on the marketability of subject property. Zoning is legal andproperty is conforming. **Apparent is defined as that which is visible, obvious, evident or manifest to the appraiser.1.51.5 story192010 yrs1,3060noneconcrete/avgstucco/avgcomp sh/avgalum/avgwood DH/avgyes/avgyes/avghwd/crpt/vinyl/avgdrywall/avgpaint/pine/avgceramic/avgceramic/avggasdeck2-wideconcrete
PP
Hood
7421,984none additionalNo requirements. No items of insect infestationobserved. Appraiser assumes no responsibility as a professional pest inspector. No personal property considered in final value estimate. Floor planis functional. No external depreciation was noted. Physical depreciation is reflected in cost approach.As of the effective date of this report there appeared** to be no physical deficiencies or adverse conditions that would negatively effect the livability,soundness, or structural integrity of the subject property. The appraiser is not a licensed engineer and does not make any warranties, implied or otherwise, as to the structural integrity of the subject property.The subject property's functional utility, style, condition, and construction quality appears** to generally conform to the market area.
Sanderfer Appraisal ServicesForm 1004 — "WinTOTAL" appraisal software by a la mode, inc. — 1-800-ALAMODE
06061068060610682209 Wrocklage AveLouisvilleKy40205Graff, ShaneGraff, Shane & ElizabethJeffersonDeed Book 7657 Page # 064810-078G-0005-000020061,895Highlandssee attached0088.00-10.00United Mortgage Lenders4969 U.S. Hwy 42, Suite 2400, Louisville, KY, 40222MLS/Owner/ClientN/A
refinance
N/APVAN/A1301,000225401006585555The subject property is located east of Eastern Parkway, west of I-264, north of Newburgh Road and south of I-64.See page 3 for comments.See page 3 for comments.40 x 161 per PVA / subject to survey6,440 Sq.Ft.rectangularaverageR-5S/F ResidentialasphaltyesX21111C0090D2-2-1994There are no**apparent easements or encroachments that have a negative effect on the marketability of subject property. Zoning is legal andproperty is conforming. **Apparent is defined as that which is visible, obvious, evident or manifest to the appraiser.1.51.5 story192010 yrs1,3060noneconcrete/avgstucco/avgcomp sh/avgalum/avgwood DH/avgyes/avgyes/avghwd/crpt/vinyl/avgdrywall/avgpaint/pine/avgceramic/avgceramic/avggasdeck2-wideconcrete
PP
Hood
7421,984none additionalNo requirements. No items of insect infestationobserved. Appraiser assumes no responsibility as a professional pest inspector. No personal property considered in final value estimate. Floor planis functional. No external depreciation was noted. Physical depreciation is reflected in cost approach.As of the effective date of this report there appeared** to be no physical deficiencies or adverse conditions that would negatively effect the livability,soundness, or structural integrity of the subject property. The appraiser is not a licensed engineer and does not make any warranties, implied or otherwise, as to the structural integrity of the subject property.The subject property's functional utility, style, condition, and construction quality appears** to generally conform to the market area.
Sanderfer Appraisal ServicesForm 1004 — "WinTOTAL" appraisal software by a la mode, inc. — 1-800-ALAMODE
Uniform Residential Appraisal Report
File #
S U B J E C T C O N T R A C T N E I G H B O R H O O D S I T E I M P R O V E M E N T S
The purpose of this summary appraisal report is to provide the lender/client with an accurate, and adequately supported, opinion of the market value of the subject property.Property AddressCityStateZip CodeBorrowerOwner of Public RecordCountyLegal DescriptionAssessor's Parcel #Tax YearR.E. Taxes $Neighborhood NameMap ReferenceCensus TractOccupantOwnerTenantVacantSpecial Assessments $PUDHOA $per yearper monthProperty Rights AppraisedFee SimpleLeaseholdOther (describe)Assignment TypePurchase TransactionRefinance TransactionOther (describe)Lender/ClientAddressIs the subject property currently offered for sale or has it been offered for sale in the twelve months prior to the effective date of this appraisal?YesNoReport data source(s) used, offering price(s), and date(s).Ididdid not analyze the contract for sale for the subject purchase transaction. Explain the results of the analysis of the contract for sale or why the analysis was notperformed.Contract Price $Date of ContractIs the property seller the owner of public record?YesNoData Source(s)Is there any financial assistance (loan charges, sale concessions, gift or downpayment assistance, etc.) to be paid by any party on behalf of the borrower?YesNoIf Yes, report the total dollar amount and describe the items to be paid.
Note: Race and the racial composition of the neighborhood are not appraisal factors.Neighborhood Characteristics
LocationUrbanSuburbanRuralBuilt-UpOver 75%25-75%Under 25%GrowthRapidStableSlow
One-Unit Housing Trends
Property ValuesIncreasingStableDecliningDemand/SupplyShortageIn BalanceOver SupplyMarketing TimeUnder 3 mths3-6 mthsOver 6 mths
One-Unit Housing
PRICE$ (000)AGE(yrs)LowHighPred.
Present Land Use %
One-Unit%2-4 Unit%Multi-Family%Commercial%Other%Neighborhood BoundariesNeighborhood DescriptionMarket Conditions (including support for the above conclusions)DimensionsAreaShapeViewSpecific Zoning ClassificationZoning DescriptionZoning ComplianceLegalLegal Nonconforming (Grandfathered Use)No ZoningIllegal (describe)Is the highest and best use of subject property as improved (or as proposed per plans and specifications) the present use?YesNoIf No, describe
UtilitiesPublicOther (describe)PublicOther (describe)
ElectricityGasWaterSanitary Sewer
Off-site Improvements - TypePublicPrivate
StreetAlleyFEMA Special Flood Hazard AreaYesNoFEMA Flood ZoneFEMA Map #FEMA Map DateAre the utilities and off-site improvements typical for the market area?YesNoIf No, describeAre there any adverse site conditions or external factors (easements, encroachments, environmental conditions, land uses, etc.)?YesNoIf Yes, describe
General Description
UnitsOneOne with Accessory Unit# of StoriesTypeDet.Att.S-Det./End UnitExistingProposedUnder Const.Design (Style) Year BuiltEffective Age (Yrs)
Foundation
Concrete SlabCrawl SpaceFull BasementPartial BasementBasement Areasq.ft.Basement Finish%Outside Entry/ExitSump PumpEvidence ofInfestationDampnessSettlement
Exterior Descriptionmaterials/condition
Foundation WallsExterior WallsRoof SurfaceGutters & DownspoutsWindow TypeStorm Sash/InsulatedScreens
Interiormaterials/condition
FloorsWallsTrim/FinishBath FloorBath WainscotAtticNoneDrop StairStairsFloorScuttleFinishedHeatedHeatingFWAHWBBRadiantOtherFuelCoolingCentral Air ConditioningIndividualOtherAmenitiesFireplace(s) #Patio/Deck PoolWoodstove(s) #FencePorchOtherCar StorageNoneDriveway# of CarsDriveway SurfaceGarage# of CarsCarport# of CarsAtt.Det.Built-inAppliancesRefrigeratorRange/OvenDishwasherDisposalMicrowaveWasher/DryerOther (describe)Finished area
above
grade contains:RoomsBedroomsBath(s)Square Feet of Gross Living Area Above GradeAdditional features (special energy efficient items, etc.).Describe the condition of the property (including needed repairs, deterioration, renovations, remodeling, etc.).Are there any physical deficiencies or adverse conditions that affect the livability, soundness, or structural integrity of the property?YesNoIf Yes, describeDoes the property generally conform to the neighborhood (functional utility, style, condition, use, construction, etc.)?YesNoIf No, describe
Page 1 of 6Freddie Mac Form 70 March 2005Fannie Mae Form 1004 March 2005
Page #3File No. 06061068
of 00
06061068 2209 Wrocklage Ave
503 Reads
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| Upload Date: | 04/21/2009 |
| Copyright: | Attribution Non-commercial |
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