Agenda 06/28/2016 Item #16D 2 6/28/2016 16.D.2.
EXECUTIVE SUMMARY
Recommendation to approve two mortgage satisfactions for the State Housing Initiatives
Partnership(SHIP)single family rehabilitation program in the combined amount of$29,514.
OBJECTIVE: To support the affordability of housing in Collier County through State Housing
Initiatives(SHIP)down payment and emergency repair and/or rehabilitation assistance programs.
CONSIDERATIONS: The State Housing Initiatives Partnership Program, a state affordable housing
program,offers assistance to homeowners with rehabilitation to their primary residence.As a condition of
award, the homeowner must repay the assistance provided upon sale, refinance or loss of homestead
exemption.
The following table provides details regarding the associated mortgages that have been repaid in full.As
such,satisfactions of mortgages are required.
Security Mortgage Payoff Public
File# Name Instrument Amount Amount Record
02-037R Andreas&Migdalia SHIP Second $15,000.00 $15,000.00 OR2979
Vasallo Mortgage PG0308
96-001R Nancy Ann Millar SHIP Second $14,514.00 $14,514.00 OR2146
Mortgage PG 0761
Total $29,514.00 $29,514.00
Approval of this item will authorize the Chairman to sign the aforementioned satisfactions of
mortgage and the executed documents shall be recorded in the Public Records of Collier County,
Florida.
FISCAL IMPACT: The repaid amount of$29,514 satisfies mortgage amounts. These repayments are
considered program income and have been deposited in SHIP Grant Fund 791, Project 33429 as
such funds may be reused for eligible SHIP program activities. The $10 recording fee will be paid by
each of the borrowers.
LEGAL CONSIDERATIONS: This item is approved for form and legality and requires a majority
vote for Board approval. -JAB
GROWTH MANAGEMENT IMPACT: There is no growth management impact.
RECOMMENDATION: That the Board of County Commissioners approves and authorizes the
Chairman to sign two mortgage satisfactions for owner-occupied affordable housing units for
which repayment in full has been provided to Collier County.
Prepared By: Wendy Klopf,Operations Coordinator,Community and Human Services Division
Attachments:
1. Satisfaction of Mortgage SFR 06.28.16
2. SHIP SFR Second Mortgages 06.28.16
/—N 3. SAP Backup SHIP SFR 06.28.16
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6/28/2016 16.D.2.
COLLIER COUNTY
Board of County Commissioners
Item Number: 16.16.D.16.D.2.
Item Summary: Recommendation to approve two mortgage satisfactions for the
State Housing Initiatives Partnership (SHIP) single family rehabilitation program in the
combined amount of$29,514.
Meeting Date: 6/28/2016
Prepared By
Name: KlopfWendy
Title: Operations Coordinator,Community&Human Services
5/18/2016 2:31:29 PM
Submitted by
Title: Operations Coordinator,Community&Human Services
Name: KlopfWendy
5/18/2016 2:31:31 PM
Approved By
Name: LopezMaggie
Title: Supervisor-Accounting,Community&Human Services
Date: 5/19/2016 6:51:00 PM
Name: SonntagKristi
Title: Manager-Federal/State Grants Operation,Community&Human Services
Date: 5/25/2016 2:18:06 PM
Name: GrantKimberley
Title:Division Director-Cmnty&Human Svc, Community&Human Services
Date: 5/31/2016 2:29:14 PM
Name: TownsendAmanda
Title:Division Director-Operations Support,Public Services Department
Date: 6/5/2016 10:45:29 AM
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6/28/2016 16.D.2.
Name: AlonsoHailey
Title: Operations Analyst,Public Services Department
Date: 6/6/2016 11:44:41 AM
Name: RobinsonErica
Title:Accountant, Senior,Grants Management Office
Date: 6/7/2016 8:49:25 AM
Name: BelpedioJennifer
Title:Assistant County Attorney,CAO General Services
Date: 6/8/2016 11:23:39 AM
Name: CarnellSteve
Title:Department Head-Public Services,Public Services Department
Date: 6/13/2016 1:01:01 PM
Name: StanleyTherese
Title: Manager-Grants Compliance, Grants Management Office
Date: 6/13/2016 3:58:19 PM
Name: KlatzkowJeff
Title: County Attorney,
Date: 6/16/2016 10:09:17 AM
Name: CasalanguidaNick
Title: Deputy County Manager,County Managers Office
Date: 6/16/2016 12:07:35 PM
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6/28/2016 16.D.2.
Prepared by:Wendy Klopf
Collier County
Community and Human Services
3339 E.Tamiami Trail
Naples,FL 34112
THIS SPACE FOR RECORDING
SATISFACTION OF MORTGAGE
KNOW ALL MEN BY THESE PRESENTS: That COLLIER COUNTY, whose post office address is
3299 E TAMIAMI TRAIL, NAPLES, FLORIDA 34112, the owner(s) and holder(s) of a certain
Mortgage executed by Andres&Migdalia Vasallo to COLLIER COUNTY, recorded
on 02/08/2002 In Official Records Book 2979 ,Page 0308 , of the Public Records of
Collier County, Florida, securing a principal sum of$15,000.00 and certain promises and
obligations set forth in said Mortgage,upon the property described in the aforementioned mortgage.
COLLIER COUNTY hereby acknowledges full payment and satisfaction of said Mortgage, and
surrenders the same as cancelled,and hereby directs the Clerk of said Circuit Court to cancel the same of
record.
This Satisfaction of Mortgage was approved by the Board of County Commissioners on
- ,2016,Agenda Item Number
ATTEST: BOARD OF COUNTY COMMISSIONERS
DWIGHT E.BROCK,CLERK OF COLLIER COUNTY,FLORIDA
By: By:
DEPUTY CLERK Chairman Donna Fiala,District 1 Commissioner
Approval for form and legality:
Jennifer A.Belpedio e4v �\12
Assistant County Attorney s 4,
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6/28/2016 16.D.2.
Prepared by:Wendy Klopf
Collier County
Community and Human Services
3339 E.Tamiami Trail
Naples,FL 34112
THIS SPACE FOR RECORDING
SATISFACTION OF MORTGAGE
KNOW ALL MEN BY THESE PRESENTS: That COLLIER COUNTY, whose post office address is
3299 E TAMIAMI TRAIL, NAPLES, FLORIDA 34112, the owner(s) and holder(s) of a certain
Mortgage executed by Nancy Ann Millar to COLLIER COUNTY, recorded
on 02/06/1996 In Official Records Book 2146 ,Page 0761 , of the Public Records of
Collier County,Florida,securing a principal sum of S 14,514.00 and certain promises and
obligations set forth in said Mortgage,upon the property described in the aforementioned mortgage.
COLLIER COUNTY hereby acknowledges full payment and satisfaction of said Mortgage, and
surrenders the same as cancelled,and hereby directs the Clerk of said Circuit Court to cancel the same of
record.
This Satisfaction of Mortgage was approved by the Board of County Commissioners on
,2016,Agenda Item Number
ATTEST: BOARD OF COUNTY COMMISSIONERS
DWIGHT E.BROCK,CLERK OF COLLIER COUNTY,FLORIDA
By: By:
,DEPUTY CLERK 1(
Chairman Donna Fiala,District 1 Commissioner
Approval for form and legality:
Jennifer A.Belpedio
Assistant County Attorney {;t,, \\V
1
i
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•
2930390 OR: 2979 PG: 0300 SIC rail 15.ce
qW: DOC-.]S 52.50
Brow 0 mil IICOIDID is the OFFICIAL IICOIDS of COLLIII CODITI, FL
IITIIOPPIC11101113101 DI 0210112002 at 01:52PM DMIGIT I. BLOCK, CLILK
WISPY ILO/
-- SECOND MORTGAGE
THIS SECOND MORTGAGE('Security Instrument')is given on February 5,2002. The Second Mortgagor is:
Andrea & Migdalis Vasallo
('Borrower'). This Security Instrument Is given to Collier County ('Lender"),which is organized and existing
under the laws of the United States of America,and whose address is 3050 North Horseshoe Drive 41275, Naples,
Florida 34104. Borrower owes Lender the sum of Tit teen Thousand Dollars(U.S.$ 15,000.00).This,debt is
evidenced by Borrower's Note dated the same date as this Security instrument('Second Mortgage%which provides for monthly payments,
with the full debt,if not paid earlier,due and payable on sale of property, refinance, or loss of homestead
exemption., Thls Security Instrument secures to Lender:(a)the repayment of the debt evidenced by the Note,with interest,and ail
renewals,extensions and modifications;(b)the payment of all other sums,with interest advanced under paragraph 7 to protect the security of
the Security Instrument;and(c)the performance of Borrower's covenants and agreements under this Security Instrument and the Note.For
this purpose,Borrower does hereby second mortgage,grant and convey to Lender the following described property located in Co 11 i er
County,Florida.
More particularlydescribed as: Lots 6,7, and I, Block 1, ploridavilla Heights, According to the
plat in plat book 1, page 109, public records of Collier County, Florida. Folio.
32650120006
and which has the address of
("Property Address'): 1419 Santa Rosa Dr
lhrw
Immokalee, Florida 34142
on aro
TOGETHER WITH all the improvements now or hereafter erected on the property,and all easements,rights,appurtenances,rents,
royalties,mineral,oil and gas rights and profits,water rights and stock and all fixtures now or hereafter a part of the property.The Security
Instrument shall also cover all replacements and additions, All foregoing Is referred to In this Security Instrument as the'Property".
BORROWER COVENANTS that Borroweris1+? L late hereby conveyed and has the right to mortgage,grant
and convey the Property and that the Property Is u e e ombrances of record. Borrower warrants and will defend
generally the title to the Property against all claim!-,su to of nye,` ribrances of record,
THIS SECURITY INSTRUMENT Corm covenants for naloftill end non•undorm covenants with limited variation by
Wreck-lion to constitute a uniform security Jns `t covering real property.
UNIFORM COVENANTS. Borrower •t-endercovenant and a.ree as f lows:
1.Payment of Principal and k tereft,P.payment andtitu''" shall promptly pay when due the principal of
and Interest on the debt evidenced by the No`. },,,..ter-`
_ 2.Tawe.The Mortgagor wiupay I ti '� �siesprior to the accrual of any penalties or interest
thereon. 1
The Mortgagor shall payor cause t+be ,as, sa • ly•' tirw•, ,(i')(1)ail taxes and governmental charges of
any kind whatsoever which may at any\tit law lasesd • 4.t• , • •: to the Property,(2)all utility and other
charges,Including'service charges',I ,��.Ti.+ or mpcesd for the opera e,main. - ,,f,... occupancy upkeep and improvement of the
Property,and(3)all assessments or•,'I7'•vemmental charges that !awl Ily be•. •. in instalments over a period of yews,the
Mortgagor shall be obligated under the •, to pay or cause to be pa such • ', Is as are required to be paid during the term
of the Mortgage,and shall,promptly after • t of any of the for fotward10 Mortgagee evidence of such payment.
3.Application of Payments.Un law provides o , • received by Lender shall be applied;first,to
interest due;and,to principal due;and last,to +��r�due under '•r
4.Charges;Liens.Borrower shall -llkl'faxes,. nts;t ,7s and imposition attributable to the Property,which
may attain priority over this Security Instrument,and'ke �t _ •rents,If any.Borrower shall promptly furnish to Lender
all notices of amounts to be paid under this paragraph,arichel rec svidendng the payments.
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 manner acceptable to Lender;(b)contests in good faith the lien by,or defends against
enforcement of the lien in,legal proceedings which In the Lender's opinion operate to prevent the enforcement of the lien;or(c)secures from
the holder of the Hen an agreement satisfactory to Lender subordinating the lien to this Security instrument. if Lender determines Cat any
part of the Property is subject to a lien,which may attain priority over the Security Instrument Lender may give Borrower a notice identifying
the lien. Borrower shall satisfy the lien or take one or more of the actions set forth above within 10 days of the giving of notice.
5. ward or Property Insurance. Borrow shall keep the Improvements now existing or hereafter erected on the Properly
insured against loss by fire,hazards included within the term'extended coverage'and any other hazards,including floods or flooding,for
which Lender requires insurance. This insurance shall be maintained In the amounts and for the periods that Lender requires. The
insurance carrier providing the Insurance shad be chosen by Borrower subject to Lender's approval,which shall not be unreasonably
withheld,If Borrower fells to maintain coverage described above,Lender may,at Lender's option,obtain coverage to protect Lender's rights
In the Property in accordance with paragraph 7.At all tines that the Note is outstanding,the Mortgagor shad maintain insurance with respect
to the Premises against such risks and for such amounts as are customarily insured against and pay,as the same become due and payable,
all premiums in respect thereto,including,but not limited to,all-risk Insurance protecting the Interests of the Mortgagor and Mortgagee
against loss or damage to the Premises by fire,lightning,and other casualties customarily insured against(Including boiler explosion,if
appropriate),with a uniform standard extended coverage endorsement.Including debris removal coverage.Such insurance at all limes to be
in an amount not less than the full replacement cost of the Premises,exclusive of lootings and foundations.
All Insurance policies and renewals shall be acceptable to Lender and shall include a standard mortgage clause.Lender shall have
the right to hold the policies and renewals. I'Lender requires,Borrower shall promptly give to Lender all receipts of paid premiums and
renewal notices.In the event of loss,Borrower shall give prompt notice to the Insurance carrier and Lender.Lender may make proof of toes
if not made promptly by Borrower.
Unless Lender and Borrower otherwise agree in writing,insurance proceeds shall be applied to restoration or repair of the Property
damaged,If the restoration or repair Is economically feasible and Lender's security is not lessened. If the restoration or repair is not
economically feasible or Lender's security would be lessened,the Insurance proceeds shall be applied to the sums secured by the Security
Instrument,whether or not then due,with any excess paid to Borrower. If Borrower abandons the Properly,or does not answer within 30
days a notice from Lender that the Insurance carrier has offered to settle a claim,then Lender may collect the insurance proceeds.Lender
may use the proceeds to repair or restore the Property or to pay sums secured by this Security Instrument whether or not then due.The 30-
day
s,day period will begin when the notice Is mailed. Unless Lender and Borrower otherwise agree In writing,any application of proceeds to
principal shall not extend or postpone the due date of the monthly payments referred to In paragraph 1 or change the amount of the
payments. it under paragraph 21 the Property Is acquired by Lender,Borrowers right to any Insurance policl is and proceeds faulting from
damage to the Property prior to the acquisition shall pass to Lender to the extent of the sums secured by this Security Instrument immediately
prior to the acquisition.
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6. Occupancy,Preservation,Maintenance and Protection of the Property:Borrower's Loan Application,Leaseholds.
Borrower shall occupy,establish,and use the Property as Borrower's principal residence within sixty days after the execution of this Security
Instrument and shall continue to occupy the Property as Borrower's principal residence for at least one year atter the date of occupancy,
unless Lender otherwise agrees in writing.which consent shall not be unreasonably withheld,or unless extenuating circumstances exist
which are beyond Borrower's control. Borrower shall not destroy,damage or impair the Property,allows the Property to deteriorate,or
commit waste on the Property. Borrower shall be In default if any forfeiture action or proceeding,whether civil or criminal,is begun that in
Lender's good faith judgment could result in forfeiture of the Property or otherwise materially impair the lien created by this Security
Instrument or Lender's security Interest.Borrower may cure such a default and reinstate,as provided in paragraph 18,by causing the action
or proceeding to be dismissed with a ruling that,in Lender's good faith determination,precludes forfeiture of the Borrower's interest in the
Property or other material impairment of the lien created by this Security instrument or Lender's security interest. Borrower shall also be in
default If Borrower,during the loan application process,gave materially false or inaccurate information or statements to Lender(or failed to
provide Lender with any material Information)in connection with the loan evidenced by the Note,including,but not limited to.representations
concerning Borrower's occupancy of the Property as a principal residence. It this Security Instrument Is on leasehold,Borrower shall comply
with all the provision of the lease. If Borrower acquires tee title to the Properly,the leasehold and the fee title shall not merge unless Lender
agrees to the merger In writing.
7.Protection of Lenders Rights in the Property. It Borrower fails to perform the covenants and agreements contained in this
Security Instrument,or there Is a legal proceeding that may significantly affect Lender's rights in the Property(such as a proceeding In
bankruptcy,probate,for condemnation or forfeiture or to enforce laws or regulations),then Lender may(band pay for whatever is necessary
to protect the value of the Property and Lender's rights in the Property. Lender's actions may include paying any sums secured by a lien.
which has priority over this Security Instrument,appearing In court,paying reasonable attorneys'tees and entering on the Property to make
repairs.Although Lender may take action under this paragraph 7,Lender does not have to do so.Any amounts disbursed by Lender under
this paragraph 7 shall become additional debt of Borrower secured by this Security Instrument. Unless Borrower and Lender agree to other
terms of payment,these amounts shall bear interest from the date of disbursement at the Note rate and shall be payable,with interest,upon
notice from Lender to Borrower requesting payment.
8. Mortgage insurance. If Lender required mortgage Insurance as a condition of making the loan secured by this Security
Instrument,Borrower shall pay the premiums required to maintain the mortgage Insurance in effect. If,for any reason,the mortgage
insurance coverage required by Lender lapses or ceases to be in effect,Borrower shall pay the premiums required to obtain coverage
substantially equivalent to the mortgage Insurance previously In effect,at a cost substantially equivalent to the cost to Borrower of the
mortgage Insurance previously In effect,from an alternate mortgage insurer approved by Lender. It substantially equivalent mortgage
insurance coverage Is not available,Borrower shall pay to Lender each month a sum equal to one-twelfth of the yearly mortgage insurance
premium being paid by Borrower when the insurance coverage lapsed or ceased to be In effect. Lender will accept.use and retain these
payments as a loss reserve In lieu of mortgage insurance. Loss reserve payments may no longer be required,at the option of Lender,if
mortgage Insurance coverage(in the amount and for the period that Lender requires)provided by an Insurer approved by Lender again
becomes available and is obtained. Borrower shall pays ': ,i y.u ' uirgd to maintain mortgage insurance In effect,or to provide aims
reserve,until the requirement for mortgage Insurandeie • • i•••l ,ray written agreement between Borrower and Lender or
applicable law.
9• Inspection. Lender or Its a. ke reasonable entri r h_,Illnd Inspections of the Property. Lender shall give
Borrower notice at the time of or prior to a In, on specifying reasonable ca forinspection.
10. Condemnation. The p awaLd or claim for dame or consequential,in connection with any
condemnation or other taking of any pa of the P or for ebritreyaricelp lieu of tlon,are hereby assigned and shall be paid to
:lz:
Lender. In the event of a total taking of P•'..: .the pre eeds`shall be applied to the suri►s secured by this Security Instrument,whether
or not then due,with any excess paid to ••'"",fin +'' ,1=‘.44.,,i i" •"• Property,in which the fair market value of the
Property immediately before the takl"•��is I •or• '" y•u.t tt� sea'ted by this Security Instrument immediately
before the taking,unless Borrower and Len r herwise ogress i • I I :sit this Security Instrument shalt be reduced by
the amount of the proceeds multlplle e4o � a total a t of secured immediately before the taking.
divided by(b)the fair market value of be• , tale y shall be paid to Borrower. In the event of a
partial taking of the Property In which tttW\I et value of the Pro.: , :• tey the taking is less than the amount of the sums
secured immediately for the taking,unle s ower and Lender othe .- green , unless applicable law otherwise provides,the
proceeds shall be applied to the sums by this Security Insirunielil r` the sums are then due. Unless Lender and
Borrower otherwise agree In writing,any)Ol ca n of proceeds to principal , extend or postpone the cue date of the monthly
payments referred to in paragraphs 1 or chs unt of such payments�,,
11. Borrower Not Released,F _ No i xtension of the time for payment or modification of
amortization of the sums secured by this Security I tilt '46 any successor in Interest of Borrower shall not operate to
release the liability of the original Borrower or rs(rl.Jnt(rreat. Lender shall not be required to commence proceedings
against any successor in Interest or refuse to extend time for payment or otherwise modify amortization of the sums secured by this Security
Instrument by reason of any demand made by the original Borrower or Borrower's successors In Interest. Any forbearance by Lender in
exercising any right or remedy shall not be a waiver of or preclude the exercise of any right or remedy.
12.Successors and Assigns Bound;Joint and Several Liability;Co-Signers.The covenants and agreements of this Security
Instrument shall bind and benefit the successors and assigns of Lender and Borrower,subject to the
Provisions of paragraph 17. Borrower's covenants and agreements shall be pint and several. Any Borrower who co-signs this Security
Instrument but does not execute the Note;(a)is co-signing this Security Instrument only to mortgage,grant end convey that Borrower's
Interest in the Property under the terms of this Security Instrument;(b)is not personalty obligated to pay the sums secured by this Security
Instrument;and(c)agrees that Lender and any other Borrower may agree to extend,modify,forbear or make any accommodations with
regard to the terms of this Security Instrument or the Note without that Borrower's consent.
1$.Loan Charges.It the roan secured by this Security Instrument is subject to a law which sets maximum loan charges,and that
law Is finally Interpreted so that the Interest or other loan charges collected or to be collected in connection with the ben exceed the permitted
limits,then:(a)any such loan charge shall be reduced by the amount necessary to reduce the charge to the permitted Iirrhit and(b)any sums
already collected from Borrower which exceeded permitted limits will be refunded to Borrower. Lender may choose to make this refund by
reducing the principal owed under the Note or by making a direct payment to Borrower. If a refund reduces principal,the reduction will be
treated as a partial prepayment without any prepayment charge under the Note.
14.Notices. Any notice to Borrower provided for In this Security Instrument shall be given by delivering it or by mailing It by first
class mall unless applicable law required use of another method.The notice shall be directed to the Property Address or any other address
Borrowar designates by notice to Lender. Any notice to Lender shall be given to Borrower or Lender when given as provided in this
paragraph.
15. Governing Law;Severability. Federal law and the law of the jurisdiction in which the Property is located shall govern this
Security Instrument. In the event that any provision or clause of this Security Instrument or the Note conflicts with applicable law,such
conflict shall not affect other provisions of this Security Instrument or the Note which can be given effect without the conflicting provision.To
this end the provisions of this Security Instrument and the Note are declared to be severable.
16. Borrower's Copy. Borrower shall be given one conformed copy of the Note and of this Security Instrument.
17.Transfer of the Property or a Beneficial Interest In Borrower,h all or any part of the Property or any interest in Itis sold or
transferred(or If a beneficial Interest In Borrower Is sold or transferred and Borrower Is not a natural person)without Lender's prior written
consent,Lender may,at its option,require Immediate payment In full of all sums secured by this Security Instrument However,Lender shall
not exercise this option if federal Law as of the date of thle Security Instrument prohibits exercise. _
It Lender exercised this option,Lender shall give Borrower notice of acceleration.The notice shall provide a period of not less than 30 days
from the date the notice is delivered or mailed within which Borrower must pay all sums secured by this Security Instrument If Borrower falls
to pay these surns prior to the expiration of this period,Lender may invoke any remedies permitted by this Security Instrument without further
notice or demand on Borrower.
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18.Borrower's Right to Reinstate. 11 Borrower meets certain conditions,Borrower shall have the right to have enforcement of
this Security Instrument discontinued at any time prior to the earlier of:(a)5 days(or such other period as applicable law may specify for
"` reinstatement)before sale of the Property pursuant to any power Of sale contained in this Security Instrument;or(b)entry of a judgment
enforcing this Security Instrument.Those conditions are that Borrower:(a)pays Lender all sums which then would be due under this Security
Instrument and the Note as if no acceleration had occurred;(b)cures and default of any other covenants or agreements:(c)pays all
expenses Incurred In enforcing this Security Instrument,Including,but not limited to,reasonable attorneys fees:and(d)takes such action as
Lender may reasonably require to assure that the lien of this Security Instrument,Lender's rights In the Property and Borrower's obligation to
pay the sums secured by this Security Instrument shall continue unchanged. Upon reinstatement by Borrower,this Security Instrument and
the obligations secured hereby shall remain fully effective as if no acceleration had occurred. However,this right to reinstate shall not apply
in the case of acceleration under paragraph 17.
19.Sale of Note;Change of Loan Servicer.The Note or a partial interest In the Note(together with this Security Instrument)may
be sold one or more times without prior notice to Borrower. A sale may result in a change in the entity(known as the'Loan Servicer)that
collects monthly payments due under the Note and this Secunty Instrument. There also may be one or more changes of the Loan Servicer
unrelated to a sale of the Note. If there is a change of the Loan Servicer,Borrower will be given written notice of the change in accordance
with paragraph 14 and applicable law. The notice will state the name and address of the new Loan Servicer and the address to which
payments should be made. The notice will also contain any other information required by applicable law.
20. Hazardous Substances. Borrower shall not cause or permit the presence.use,disposal,storage,or release of any
Hazardous Substances on or in the Property. Borrower shall not do,nor allow anyone else to do,anything affecting the Property that Is in
violation of any Environmental Law.The preceding two sentences shall not apply to the presence,use,or storage on the Property of small
quantities of Hazardous Substances that are generally recognized to be appropriate to normal residential uses and to maintenance of the
Property.Borrower shall promptly give Lender written notice for any Investigation,claim,demand,lawsuit or other action by any governmental
or regulatory agency or private party Involving the Property and any Hazardous Substance or Environmental Law of which Borrower has
actual knowledge.If Borrower learns,or Is notified by any govemmental or regulatory authority,that any removal or other remediation of any
Hazardous Substance affecting the Property is necessary,Borrower shall promptly take all necessary remedial actions in accordance with
Environmental Law.As used In this paragraph 20,`Hazardous Substances'are those substances defined as toxic or hazardous substances
by Environmental Law and the following substances:gasoline,kerosene,other flammable or toxic petroleum products.toxic pesticides and
herbicides,volatile solvents,materials containing asbestos or formaldehyde,and radioactive materials. As used in this paragraph 20,
'Environmental Law' means federal laws and laws of the jurisdiction where the Property is located that relate to health, safety or
environmental protection.
21. Acceleration;Remedies. Lender shall give notice to Borrower prior to acceleration following Borrower's breach of any
covenant or agreement in this Security Instrument(but not prior to acceleration under paragraph 17 unless applicable law provides
otherwise).The notice shall specify.(a)the default;(b)the action required to cure the default;(c)a date,not less than 30 days from the date
the notice is given to Borrower,by which the default must be cured;and(d)that failure to cure the default on or before the date specified in
the notice may result in acceleration of the sumo secured yth rtstrument,foreclosure by judicial proceeding and sale of the
Property. The notice shall further Inform Borrower putt). in4tatrafterNacceleration and the right to assert In the foreclosure
preceding the non-existence of a default or any o r haorroweretgi and foreclosure. if the default is not cured on or
before the date specified In the notice,Lende i)tit t'on,may require im a fayment In full of all sums secured by this Security
Instrument without further demand and may I **Jose this Security Instrument by ppreocceeeeding. Lender shall be entitled to collect all
expenses Incurred In pursuing the remedial provldodin.Ihis.pacagraph 21,Including,but notllmited to,reasonable atomeys fees and costs
of the ties evidence. / .11 11
22.Release.Upon payment oyall suns seccurre• thi. . un'ty Iratrument,Ltlnd rStiel release this Security instrument,without
charge,to Borrower. Borrower shall payll sny Ion--1;-.• u \ \
23.Attorneys'Fees.As usegIn th- 'soufl h n : t ' ys'tees`shall incluse any attorneys'Wee awarded
by an appellate court. I \ 1
24.Riders to this Security l fru If•;:.or • •-exec by and recorded together with this Security
Instrument,the covenants and agreeme tg� . h ri•': . I•_ . .• - Shall amend and supplement the covenants and
agreements of this Security Instrument if rider(s)were a part of thisuri JIns/ Zr (Check Applicable Box)
0 Adjustable Rate Rider Rate Improvement 4 !,. Condominium Rider
i
0 Graduated Payment Rider -4 Family Rider / 1:1 Second Home Rider
Balloon Rider Bit p; / `% r 0 Planned Unit Development Rider
E3 Other(s)(specify
SIGNING BELOW,Borrower accepts and agrees to the terms and covenants contained in this Security Instrument and in any rider(s)
executed by Borrower and recorded with it.
Signed,sealed and delivered in the presence of:
I
Witness Signature: .tJ,-'r.. ._c,�_,i414,./_�l Signature ' <r.• g ' f ( (-.
L Borrower.*Ores Vasallo
Witness Print Name: \Ar'r.r th Y�tc •t -\ Signature' ."'. �'i... ' .r..,r,r
5 _
Borrow�i *dalia Vasallo
Witness Signature:_ —.
-a
Witness Print Name: LQi tree, S lit nc-t' . Address: 1419 Santa Rosa Dr
Immokalee, Florida 34142
STATE OF_Florida__
COUNTY OF Collier
I hereby certify that on this day,before me,an officer duly authorized In the state aforesaid and In the county aforesaid to take
acknowledgements,personallygdalia Vasallo to me known to be the
wledga appeared Andres & Ili person(s)described in and who
executed the foregoing Instrument and acknowledged before me that HE)SHE/THEY executed the same tor the purpose therein expressed.
WITNESS my hand and official seal In the County and State aforesaid� this February 5,2002.
My Commission Expires: ( !.-_ - _('1
Nptary Public'syfg ,,
_ 11 ht Pr\ r_f•Ci _
Notary'Printed Name
(SEAL)
1."......?"%.
LAUREiN.I.BEARDMn h n..hMusuun.h.h...i+.
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lets: 2020662 OR: 2146 PG: ( 6/28/2016 16.D.2.
N00111G i UHIAI DIy11OPN1Ii IICOIDID in the O/PICIA1 OICOIDS of C011111 C00171, PL IIC 111 19.50
2100 001110001 DI I 02/06/90 at 03;40PN DIIGBT I. IIOCI, C1111 DOC-.39 51.11
paw o 101,19 !1 33942
SECOND MORTGAGE
THIS SECOND MORTGAGE("Security Instrument')is given on ,1g9j The Second Mortgagor is:
Nancy Ann Millar, a single vwean
(-Borrower). This Security k stun•oM is given to Collier County (-Lender').which is organized and edetnp
Peter the Min der UMW Skies dAntrim end whomedrtawis 2800 North Horseshoe Drive, Naples, Florida
33942 . Borrower owes Larder the sumo/ Fourteen Thousand and Five Hundred and Fourteen Dollars
(U.S.$14,504.00). This debt is evidenced by Borrower',Nobs dated the sans des as this Security Instrument(-Second Mortgage'),
Mich morn ter morel*onments,Milk the ful debt,if not paid earlier,due and peysbls on sale of property, refinance,
o r loss of homestead exemption This Security Instrument scares to Lander.(a)the repayment of is debt evidenced by
V.Note,with interest and Ii renewer,extensions and modifications;(b)is payment d all other sums.With interest advanced under
pregrsph 7 to protect the security of the Security Instrument and(c)the performance d Borrower's covenants and agreements under this
Security Instrument and to Note. For this purpose,Borrower does hereby second mortgage,grant and convey to Lader the following
described property located in collier —County Florida.
As more oracularly described on Exhibit"A,'and which hes the address of
(*Property Address"). 4004 Rose Avenue
"ewe
Naples, Florida 33962
rani tom, awo
TOGETHER WITH d to inproven.rU now or tweeter erected on the property,end al se sm.nts,rights.apputernws,rants,
ref ies,mineral dad gas rib and proM,water rights and es and M'Puree now or hereafter a pert of V.pncpsrty. Al repteameres
and WNW*abed also be covered by the Security Instrument Al d the foregoing is referred to in this Security kntnmsnt as the'Property'.
BORROWER COVENANTS Mit Borrower is t e iy seized of the errs hereby conveyed and nes the right to mortgage,grant and
convey Vie Property and that the Property is unencumbered.except for encumbrances of mead. Borrower warrants and ea defend genaay
is Ste to tr Property against al chins and demands. • , . - of record.
THIS SECURITY INSTRUMENT combines '",• , Ire ;•,�i us.and non•tyrform(overanb with limited variation by
jurisdiction to oorWik e a uniform security' • .
UNIFORM COVENANTS. Borrower covenant and •� 1"• . .
t. Payment of Prinolpal and In• / • yment and Late C • •' • shall promp y pay when due the principal d
arid interest on the debt evidenced by the hate./
I.Taxes. The Mortgagor al puy'd taxa,`lasesma n ll-,•sewer-rade or • rebs• •• to the accrue"of any porkies or interest
thereon.
The Mor�eoor shall pay«ea nes to. -�j , • .. \due,(AX1)el taxes and povrrrrwkal shapes cf
any kind whatsoever which may al anylbme^ "° . .' �► respect to the Property.(2)al ullty end otdw �\
charges,including'service ogee'. ' Asa,Occupancy,upkeep and impovemet d the
Property,and(3)d sesasnrants or other•. y ped•n itlfelmnwnb over a period of yeas,the Mortgagor
shah be obipeted oder the Mortgage cause e0` • • M•.aie required to be paid drug the tem d Si.
Mortgage,and shrl,promptly eta V.p l d any of the foregoing, d eo evidence d such payment.
3.Apploatbn of Payments. U sed provides IS• 'i. • received by Lender rinall be applied fist to
Merest due;end.to primp"due;end bet, chargee due unclear
4. Charge;liens. Borrower y ,assessments, • .trees~ •impositions ateitxsable b the Property which
my alba priority over this Security ado!} pymeta« ,�y Borrower.hod promply furnish b Lender
d notices d amounts to be paid under this
gym Borower shoe pronpty dccfwge any ken '" ♦• • . - ' Instrument unless Bomar:(a)some n wrilnp to
the obYp.Mon seared by is lien n a .. •`.• • • ;(b)contests in good fed,the len by,or defends against
ere:named cite len id legal proceedings which in the Lender's opinion operate to prevent V.enforcement of the Yen;or(e)secures from
the kidder der len an movement esMaledory to Lender subordinating is lien to this Security Instrument If Lader determines that any pit
of the Property Is subject b a fat Mich may Mein priority over the Security Instrument,Lender may give Borrower a notice identifying is len.
Borrower Weil satiety to In or take one or more of the coons set forth above within 10 days of is gaping of notice.
&lease or Property Insurance. Borrower shell keep V.improvements now existing or hereafter erected on is Property insured
pint lose by V s.hoards Included Winn to tem*trended coverage'and any other hazards,nckiding floods or Noodles).for which Lender
regtiss iauarna. This iwass aril be meinbi ed in the arnarta and ter the periods that Lender requires. The insurance currier providing
the theure hoe lel be chosen by Borrower abject to Lender's approval which eel not be urease uby withheld. M Borrower Ws to maintain
coverage described above.Lader may,at Lender's option.obtain coverage to protect Lender's rights in Si.Property in accordance with
pwapaph 7. At d*nested V.NOW is outstanding,the Mortgagor she"maintain insurance with respect to the Premises against such risks
and for such amounts as we customarily Marred against and pay,as the erne become due and payable,al premiums in respect test,
incising but net freed b,el+lek inarence protecting V.interests of is Mortgagor end Mortgagee opine toes or demo"b the Premises
by fie,Weirs end other coedits customarily Mewed against(including Wirt explosion,"sppr.prSe),with a urrform sarddrd extended
covers.ertnirrsnl,nctidng debris remove coverage. Such insurance at d Armee to be in an amount not less Iron the(t1 nplecemant
cost of the Premises,endue/ye of footings and fardatiwr.
AI Insurance policies and renewals shat be acceptable to Lender and ahs include a standard maims carve. Lender ctrl hove
the Veto hold V.picks arid renewer If Lender noires,Borrower sed promptly give to Lender al receipts or ped premien'and renewal
noticat In the evert ci loss,Borrow elri give prompt roam to to coeur nee corner end Lender. Lender troy make proof of be 1 not mrde
prom*by Borrower.
Woes Leder and Borrower otherwise agree in wiling,insurance proceeds skirl be applied to restoration or repair d the Property
damaged, if to restoration or repel ie economicaly faaible and Lender's security is not lessened. If the restoration or repair is not
economic*berbhe or lender's security would be lessened,the insurance proceeds tidal be applied to the sums secured by the Security
redunsrl.whetter«rot tan Fir,with any mss paid to Borrower. If Borrower Pardons is Property,or does not ewer within 30 days
a notice from Lender that the insurance carrier has offered to sere a clean,then Lander may collect is insurance proceeds. Larder may
teethe proceeds to repel or restore to Property orb ply sums secured by this Security Instrument,whether or not ten due. The 3O dry
period AI begin when the notice ie mailed. Unless Lender and Borrower of herwbe agree in wnhng,any application of proceeds to pmcpel
ehd net sdrd or postpone the due der of the monthly payments referred to in putgraph 1 or change is amount of is payments. t under
paragraph 21 the Property is acquired by Lander,Sommer's riga to any Murance policies and proceeds nesullins from damps to the Property
prior b the aoQadion etre pass to Lander to the extent of the suns secured by this Security Insturnerd imnsrMMdy prior to is a isisition. _
S. Occupancy,Preservation,Maintenance and Protection of the Property;Borrowers Loan Aphelion,IdawhoWa.
Borrower di wady,establish,and use to Property as Borrower's principal residence within sixty Wye der the execution d this Security
netiunant and era continue to occupy the Property ee Borrower's principal residence for I haat one yea after Si.dw d occupancy.urns
Lender Wire a agree in wrilnp,Mich consent shall not be unreasonably withheld,or unless extenuating circ rrstanoes cadet which ere
beyond Borrower's control. Borrower shall not destroy.demsge or impair the Property,allow the Property to deteriorate,or oomwrrt waste on
•1•
led.w
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FORK 0
to Property. Borrower shall be in default if any forfeiture action or proceeding,wtoorrer civil or criminal,is begun list in Lenders good teiM
judpnert could meta in tensile of the Property or dherwtss materially impair the lien created by this Security h strrrn.nt or LsnnMrs security
ileac Borrower may cure such a dealt and reinstate,es provided in paragraph 18,by causing the action or prooee irp to be dismissed
with a nig fat h Lender's good NM dMm+inN n.precludes fora it r.of the Borrowers interest in the Properly or otter nntrn et Impairment
t
of to Mn busied by this Security Instrument or Lenders security interest Borrower ehst also be default if Borrower during the ban
application process,gave man*fab or inaccurate nlormetion or statements to Lender(or Oiled to provide Lander with any material
efamsion)h caves ke%nth the ban a id hoed by the Nos,including,but not bad to,represrhMYo s concerning Borrower's occupancy
d to Property as a prevail residence. *this Security Instrument is on a leasehold,Borrows Net comply with ate the provision of the Maw
If Borrower acquires Ise bee to 8*Property,to leasehal and the fee tide Nit not merge dress.Lander soirees to the merger in wring.
1. Protection of Landds Rights In the Property. If Borrower fele to perform ria conferee and agreements careened in this
Security Instrument or era is a legN proceeding the may significantly effect Lender's rights in to Property(such as a proceeding in
l nkmecy,probe*,Or condemnation or forfeiture or to enforce Men or regulations),ten Lender may do and pay for Weaver is no:emery
b protect the vase d the Property and Lenders rights n the Property. Lenders actions may include paying any sums secured by a Rn*Aril
hes priority over this Security fen tnrrsnt appearing in pout paying r.eeonebla attorneys'fess end entering on the Property to make repairs.
Although Lander may aka action under this pwgraph 7,Lender doss not have to do so. My amounts is disbursed by Lender under this
paregrtph 7 shat bacon edition*debt of Borrower sewed by this Security Instinrnent. Unless Borrower and Lander agree to other terms
d payment Mase amounts shet bar interest from to date of disbursement at the Note rete and shell be mobs,with interest upon mace
from Lender to Borrower requesting payment.
I. Mortars insurance. If Lender required mortgage insurance as a condition of making to ben secured by this Security
krivnrmt Borrower shim tie barium required to maintain to mortgage insurance in effect if,for tiny reason,the morrows insurance
coverage required by Lender tepees or metes to be in effect Borrower shat pay the premiums required to obMn courage subedit ally
marled to to morbmpe insurance previously in effect,ata cost subssntiaay equivalent to the cost to Borrower d t e mortgage insurance
previously in effect from an alternate mortgage neuter approved by Lender. N subsMMsiy equivalent morbags insurance coverage a not
available,Borrower shell pay to Lender such month a sum equal to ono-twelfth of is yearly mortgage insurance premium ium being Ped by
Boroar win is eauencs caeraga Meed or ceased to be in effect. Lender wit accept use and reten tree moments es a bee reserve
in bu d martens inerrancy lass reserve payments may no longer be required.at the option of Lander,it moraege insurance coverage(n
to amour*and for the period that Lander requires)provided by an insurer approved by Lender aoein becomes avaMslu and is obtained.
Borrower shag pay to premiums required to maintain rnopags insurance in efect or to provide a toss reserve,until to requirement for
mortgage insure/be ends in accordance with any written agreement between Borrower and Lender or applicable law.
lit.bespeotlon Lander or as agent may mike re.so ebe entries upon and inspections of the Property. Lander shat give Borrower
notice at to time of or prior b an inspection specifying reasonable cause for to inspection.
10. Condemnallom The proceeds d any.ward or drink for drn.g..,direct or consequential,in connection with any condonation
or other tiling d any pal of the Property,or for conveyance blieu of cardemct`tion,are hereby assigned and Nat be ped to Lader in the
want d a toed taking of to Property,the proceeds shat Por":„.• ' - ed by this Security kstrumnt wh.tsr or net than durk
with any moms Ped to Borrower. In to.went d , • • , . • ,`ii to far market volae of the Property remise*
bare(hobba weal
or greaterten ter suns sewed by . - Instrument introdeo*:babe to Miring.unless
Bomar ren
Bad Lender otherwise apse n writing,Iii sec red by this Security • be reduced by Ow velour( the o proceeds
n.Jtpled by to folkway*scion:(a)to bad ' i .ha.i it1 sewed • • • `to faking,divided by(b)the fair mast suture
d to Property nnm.aiswy bdor.the • My yet t»wid-b.Ba►ower. In .bent d.prisi taking ata Property in bah
the far minket value of to Property' beton is t,•, ten\t s.mout(t of the sums secured"medial*for to b keg.
bin.Borrower aro Larder cthrwMs agree in ' •P. to proceeds oat ba NOW to to rums
secured by this Security Instrument whither` • elf es n writing Borrower otherwise apse anyny
spptcatan d proceeds to principal shot not •ler `✓ f •. °n pr
referred b apaphs 1 or chinas
to arnointci warn I
11. Borrower Not Released cNot +or b anyd tto trro for Werner*or rradiRealin d
rnotraYah e sums sewed by this Instrument granted by Len* n interest of Borrower shat not b
operate
release to Welty d to oipnel Borrower or 7 acomeas in r*srsst fir er • required to commence proceedings against
any successor in rarest or Muss to ward f or chemise mode • sums secured by this Security kstrunar*
by reason of any demand mode by the• .• or Borrowers fly /in rf. . My l rbe.rance by Lender in erroieng any
right or remedy shell not be a waiver of or• - t3" ' of any right or
12Otaoeeesn and Assigns bows►.,-• .4PtC . The covenant*and agreements of this Security
Instrument NM Paid and benefit the successors ark: • ° .ubiect to the
Proration*of maple*17. Borrowers covenants and Myrrh b.iou*rd several. My Borrower who co-eigna this Security
hattnard but doss rote u*to Not.;(s)s oo+pnng this Security instrument only to mortgage,pant and convey that Borrowers interest
n the Property under to terms of this Sanity Internam(b)is not portonaty°Mooted to pay is surae sewed by the Security Meturnr&
rd(c)agrees tial Larder and any Out Boomer may agree to wend,modify,forbear or make any accommodations s with regard to the femme
d tis Security Instrument or is Note without tet Borrower's consent.
13. Lase Crowe. M the len seared by this Security Instrument is subject to e law*rich sets mamdmun khan crania.and tat
Ina is tray interpreted so that to interest or char loan charges collected or to be collected in comscson with to loam.eased the permMMd
iris,the(a)wry such ken chirp Nit be reduced by the amort neceasry to reduce to charge to the pen bed limit and(b)any arms
dready collected from Borrower which ercesded permitted limits will be refunded b Borrower. Lender may choose to woke this refund by
reducing to principal owed under to Note or by marina a direct payment to Borrower If a raked reduces principal,to reduction will be
treated a a portal prepayment without any pfepayment charge under to Note.
14. Noises. Any notice to Borrower provided for in this Security Instrument shat be given by deliverrg it or by ming it by first
ram mail unless applicable Mw required use of another method. The recce shat be directed tots Property Adams or any other address
Borrower demipsYs by nibs to Lender. My notice to Lender shat be given to Borrower or Lender Won given se provided in this prapph.
11. Gown**Law;$.vsnbity. This Security Instrument shoe be governed by federal law and the Mw of is jurisdiction in which
to Property is Iocated. In the event that any provision or dace of this Security Instrument or to Nola conflicts with epode law,such
calla*W rid effect other provisions*this Security Instrument or to Not.*rich an be given effect without the conflicting provision. To
this and the proviebns of this Security Instrument and is Note are declared to be severable.
18. Borrower's Copy. Borrower shat be given one conformed copy or the Nos and of this Security ketrnrrert.
17.Trrwlr of lir Property or a Betslblal bbreet n Borrower. If at or any pert of to Property or any inane in it is said or
transferred(or M a bene6eiel interest in Borrower is sold or transferred and Borrower is not a neer*person)without Lenders prior written
consent.Lender may,it its option,require immediate mediate payment in full of et sums sewed by this Security Instrument However,this option
Nat not be erroeed by Lander M exercise is prohibited by federal kw as of to date of this Security nstnrrent.
If Lender swr lssd this option,Lader shat give Borrower notice of acceleration. The notice shat provide•period of not less than 30 days
torn to date to notice is dMiversd or mailed vAthin which Borrower must pay at sums secured by this Security Instrument. M Borrower lis
to pay tree erne prior to to expiration of this period,Lender may invoke any remediee permitted by the Security Instrument without furter
notice or demand on Borrower.
18. Borroww's ROW to Reliable. f Borrower mesa certain conditions,Borrower shat have the right to have enforce r*M of des
Security instrument discontinued at any tin prior to the earlier of:(a)S clays(or such attar period es applicable esu may specify for
reineMMmrx)before see of the Property pursuant to any power of sale contained in the Security kaiumwt or(b)entry Of julpmer*
ertctrig tris Searcy rein twt Those conditions re tot Borrower(a)pays Lander at sums which then woad be due under ria Security
rs*urwnt end to Noe set no aoaMrsfon had occurred;(b)cures and dahutt of any other cowhand or agreements;(c)pays tat*games
incurred n seaming to Sauey rottener*nh*mdg,but not used to,reasonable attorney's fees;and(d)takes such action es Lender may
reaeosby require to more tat is In of this Security Instrument Lenders rights in to Property and Borrowers obligation to pay the sums
saved by rids Security hstumet shall continue uncharged. Upon reinstatement by Borrower,this Security Instrument and to obtigatiae
secured hereby whet remain Kay effective as R no acceleration had occurred. However,this right to reinstate'hail not appy in to case of
acceleration under paragraph 17.
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1S.lata of Nob;Change of loan 8rvbr. The Note or a partied interest in is Nob(together with the Security Instrument)may
be add one or mon times without prior notice to Borrow. A sate may raid in a chime in the entity(krnwn as Pa 1.c n Servicer')riot
wads monthly payments due under to Note and this Security Instrument. There also may be one or more cfrrpss of the Lout Servicer
unread b a aria of the Nob. P fere s a chimed the Lan Srvicw,Borrow ail be given written notice the chirp in accordance wilt
paragraph 14 and applioabte Iaw. The notice sed slate the risme and addresr of is new Loan Srviear and the address to which payments
should be made. The notice sill also corer any other kiormation required by applicable W.
I0. Neraerotw Substances. Borrower,hal not cease or permit the prase os,use,disposal,storage,or release of any Hazardous
Subbases an or into o Property. Borrow seal not do,nor show anyone alae to do,anything affecting the Property that is in violation of any
Envfrrvn.nei Law. Ths preceding two sentences seal not apply b the presence,use,or abrsgs on the Property of an warntilies of
Hazardous Substances that we generally recognized te be appropriate to normal magenta uses and b maintenance of the Property.
Borrow seal purply ptire Lands akin notice b any imago/ion,dakn,amend,lewd or other action by any governmental or regulatory
amity or melte putty nothing the Property and any Hazardous Substance or Environmental Law of which Brrvrvar has,ctrl knowledge.
Y Bartow bans,or is rolled by any garnrtrrri or ray authority,that any removal or other mediation of any Hazardous Subsrnoe
affecting the Property is necessary,Borrower Mei promptly bike al neceeary remedial actions in accordrsa with Erwirrn M Law.
As used in anis prgaph 20,"Hazardous Subbrnes'are toss substances defined as toxic or hazardous substances by Envionne l.i Law
and the foaming substances: gseoys,kerosene,other flarmsbls or toxic petroleum products.toxic pesticides and herbicides,voia*
solvent,maWlele°onl ine%asbseb or formaldehyde,and
radioactive nMiM, As used in this paragraph 20,'Erwiromsrtal Lawn means federal laws and laws of the jurisdiction where the Property
is baled Vat relate to frith,safety or environmental protection.
21. AooMNraYrr llntedrs. Lander Neal give roam b Borrower prior to acceleration blowing Borrower's breach of any covrharnt
or egreerrnent n ahs Saaeity hammed(but rot prior to acceleration under paragraph 17 unless applicable law provides otherwise). The notice
,hal specify: (a)the default(b)the action required to curs the default;(o)a date,not less Yen 30 days from the dab the notice is given b
Borrow,by which the default must be cured;and(d)tst fa/ure to cure the default on or before is date specified in the nolo,nay result
aooebrelon of is sutra secured by this Security Instrument,freclosure by judicial proceeding and sale of the Property The notice cora
furter reran Borrower of the right b reinsert after acceleration and the right to assert in the foreclosure proceeding the non—balance of a
abut or any other defense d Borrow b acceleration and foreclosure. If the default rot cured on or before tie dab specified in the notice,
Lander,ata•option,nay require immediele payment n ful of lea sums secured by this Security ktstrurnent*Shout furter demand and nay
fasciae Wit Secuity Instrument by)uxicial proceeding. Lender Nal be entitled b collect al expenses incurred in pursuing the remedies
provided in this paragraph 21,ncluding,but not baited to,reseo sbhe attorney's fees and costs of the tide evidence.
U. Rieimsa Upon want of al errs seared by this Security Instrument,Lander Nal release this Security Instrument without
large,to Bartow. Borrower shall pay any recordation costs.
2i AraHteys'Fees. As used n this Security Instrument and is Note,'attorneys'fees'shall include any atbrrays'fees awarded
by an appeals court
3t Ildrs b Our Security khhtanent If•. "la r executed by Borrower this and recorded together withis Sec rity
krbtmud,the onls and agreements is c1 each n • and*hell amend and supplement the covenants and
agreements of this Security Instrument a if the a part of this 1r . (Check Applicable Box)
NIP
Adjustable Rate Rider Rab Improvement Rider Condominium Rider
( fisimW `°
D Gradated Payment Rider y Rider , Second Horth Rider
[1 Batson Rider x r" a U Planned Unit Development Rider
❑ Other(*)(specify
SIGHING BELOW,Basra maple and •the Yarns and ccanants F,. .in - Instrument and in any rider(*)executed
by Borrow and recorded with it.
Signed.salad and delivered in the presence
•
•
Sabers: /7Z; 1/4" E — ��
t lBorroww 1lancy Ann Millar (Seel)
Print Name: rite/.r'//r k</.. 4,,,,/,✓
Address: 9009 Rose Avenue
Naples, Florida 33962
STATE OF I% ' -
COUNTY OF t <'( r
I hereby certify that on this day,before ms,an officer duly authorized in the stab aforesaid and in the county aforesaid to bets
tri,pinion*appeared / ,b me known b be the
person(*)described is and alto executed the foregoing instrument and acknowledged before me that • executed the same for
the purpose therein expressed.
WITNESS my hand and official seal in the County and State aforesaid this • 1 day of ' 1 r' ,19___
My Conxnieaion Expires: -
Notary Public's Signature
Notary',Printed Name /"\
at Ci, OTAR S AL
(SEAL) JOANNE DAI.BEY
NOTARY I't:B1.1C STATE OF 1 L0RID
COMME,6ION NO.Ci3,'o46:i
MY COMMtSIO"FRP MAY 3(1,19%
•3.
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inhibit •U•
Pine View Villas Subdivision, Block A, Lot 5, as per Plat
Book 1507, Page 1125, Public Records of collier County,
Florida
FlCZ 0 PY C
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