Agenda 01/13/2015 Item #16D11 1/13/2015 16.D.11.
EXECUTIVE SUMMARY
Recommendation to approve eight mortgage satisfactions for the State Housing Initiatives
Partnership loan program in the combined amount of$98,140.
OBJECTWE: 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 first time homebuyers for use toward a portion of the required down
payment and emergency repairs to the newly acquired home. 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.
File# Name Security Mortgage Payoff Public Record
Instrument Amount Amount
Maria DeJesus SHIP Second $5,000.00 $5,000.00 OR Book 3517 PG
04-082 Resendiz Mortgage 1713
03/10/2004
Laura Bruno SHIP Second $19,950.00 $19,950.00 OR Book 4388 PG
08-134 Mortgage 0453
08/22/2008
John&Wysetta SHIP Second $15,000.00 $14,808.58* OR Book 3238 PG
03-038R Warren Mortgage 3388
03/13/2003
Samuel Espinosa SHIP Second $3,000.00 $3,000.00 OR Book 4712 PG
10-006 Mortgage 2461
08/23/2011
Eugenio& SHIP Second $15,000.00 $15,000.00 OR Book 2931 PG
02-021R Jesusa Silva Mortgage 2618
11/28/01
Robert David SHIP Second $20,190.00 $17,690.00** OR Book 4362 PG
08-012 Walker Mortgage 4121
05/21/08
Arnold& SHIP Second $5,000.00 $5,000.00 OR Book 3294 PG
03-189 Angelette Mortgage 1122
Augustin 05/19/03
Juan&Rosaura SHIP Second $15,000.00 $15,000.00 OR Book 3126 PG
03-009 Villanueva Mortgage 1092
10/08/2002
Total $98,140.00 $95,448.58
*On March 13, 2003, a mortgage was recorded to Collier County from applicant(s) John & Wysetta
Warren in the amount of$15,000 for emergency repairs to the dwelling unit. The homeowners did not
receive the entire$15,000 of those emergency repair funds. Therefore,the homeowner is only required to
repay the Collier County SHIP Trust Fund the amount of$14,798.58. The County received a check in the
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amount of$14,808.58,which includes the payoff and the $10 recording fee to process the Satisfaction of
mortgage.
**On May 21, 2008, a mortgage was recorded to Collier County from applicant Robert D. Walker in the
amount of $20,190 for down payment assistance and emergency repairs to the dwelling unit. The
homeowners did not receive the $2,500 of those emergency repair funds. Therefore, the homeowner is
only required to repay the Collier County SHIP Trust Fund the amount of$17,690.
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$95,438.58 satisfies mortgage amounts totaling$98,140.40 as
explained above. These repayments are considered program income and have been deposited in SHIP
Grant Fund 791, Project 33331. 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 action.-JAB
GROWTH MANAGEMENT IMPACT: There is no growth management impact.
RECOMMENDATION: That the Board of County Commissioners approves and authorizes the
Chairman to sign eight mortgage satisfactions for owner-occupied affordable housing units for which
repayment in full has been provided to Collier County.
PREPARED BY:Mandy Moody,Grant Support Specialist,Community and Human Services pm
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1/13/2015 16.D.11 .
COLLIER COUNTY
Board of County Commissioners
Item Number: 16.16.D.16.D.11.
Item Summary: Recommendation to approve eight mortgage satisfactions for the State
Housing Initiatives Partnership loan program in the combined amount of$98,140.
Meeting Date: 1/13/2015
Prepared By
Name: MoodyMandy
Title: Grants Support Specialist, Community&Human Services
12/11/2014 1:23:43 PM
Submitted by
Title: Grants Support Specialist, Community &Human Services
Name: MoodyMandy
12/11/2014 1:23:44 PM
Approved By
Name: TownsendAmanda
Title: Director-Operations Support,Public Services Division
Date: 12/16/2014 3:14:12 PM
Name: KushiEdmond
Title: Accountant, Community&Human Services
Date: 12/17/2014 8:15:08 AM
Name: SonntagKristi
Title: Manager-Federal/State Grants Operation, Community&Human Services
Date: 12/17/2014 8:31:18 AM
Name: DoriaPriscilla
Title: Grants Coordinator,Community&Human Services
Date: 12/17/2014 8:47:16 AM
Name: AlonsoHailey
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1/13/2015 16.D.11 .
Title: Operations Analyst,Public Services Division
Date: 12/18/2014 9:22:52 AM
Name: GarnickKim
Date: 12/18/2014 5:00:15 PM
Name: SonntagKristi
Title: Manager-Federal/State Grants Operation, Community &Human Services
Date: 12/22/2014 10:59:10 AM
Name: CarnellSteve
Title: Administrator-Public Services,Public Services Division
Date: 12/22/2014 3:35:54 PM
Name: RobinsonErica
Title:Accountant, Senior,Grants Management Office
Date: 12/23/2014 10:51:43 AM
Name: BelpedioJennifer
Title: Assistant County Attorney, CAO General Services
Date: 12/23/2014 3:02:32 PM
Name: KlatzkowJeff
Title: County Attorney,
Date: 12/24/2014 8:47:44 AM
Name: StanleyTherese
Title: Manager-Grants Compliance, Grants Management Office
Date: 1/5/2015 1:40:47 PM
Name: DurhamTim
Title: Executive Manager of Corp Business Ops,
Date: 1/5/2015 4:50:57 PM
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3356992 nn. lc11 n^. 1'711
RECORDED in OFFIC 1/13/2015 16.D.11 .
• 03/10/2004 at 07:46AN DRIGBT E. BROCL, CURE
AMERICAN HERITAGE TITLE OBLD 5000.00
9696 BONITA BEACH ROAD OBLI 5000.00
SUITE 209 RIC FEE 19.90
BONITA SPRINGS FL 34135 SECOND MORTGAGE DOC-.35 17,50
`tf pal Retn:
ANBRICA; HERITAGE TITLE
9696 BONITA BEACH RD 1209
BONITA SPRINGS FL 34135 8502
THIS SECOND MORTGAGE('Security Instrument')is given on March 2,2004 The Second Mortgagor is:
Maria De Jesus Resendiz,A Single Person a/k/a
Maria De Jesus Resendiz Mendoza
('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 2800 North Horseshoe Drive, Naples, Florida
34104 . Borrower owes Lender the sum of Five Thousand and No/100ths Dollars(U.S.S 5,000.00 ). 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 . This Security Instrument secures to Lender:(a)the repayment of the debt evidenced by the Note,with interest,and all
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 Collier
County,Florida.
As more particularly described as Lot 23,Jubilation Subdivision,Collier County,Florida and which has the address of:
("Property Address'): 1159 Serenity Way, Immokalee, Florida 34142
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. All replacements
and additions shall also be covered by the Security Instrument. All of the foregoing is referred to in this Security Instrument as the'Property'.
BORROWER COVENANTS that Borrower is lawfully seized of the estate hereby conveyed and has the right to mortgage,grant and
convey the Property and that the Property is unencumbered,ex r encumbrances of record. Borrower warrants and will defend generally
the title to the Property against all claims and demands,sub's ttc a q•ensimbfanCes.of record.
THIS SECURITY INSTRUMENT combines yn'ifgrpt tivehants for riatio`nafi,lse'sQd non-uniform covenants with limited variation by
jurisdiction to constitute a uniform security instrumentc&verftig real property. Js
UNIFORM COVENANTS. Borrower and'Le)'rde'r covenant and agree as follows: \
1. Payment of Principal and Interest;PrepaymentandjLate Charges. Borrower shall promptly pay when due the principal of and
interest on the debt evidenced by the Note. / 1z ` \ \
2. Taxes. The Mortgagor will pay alj taxes jasSe smerits-se�lents'�QLwate, tes prior to the accrual of any penalties or interest
thereon. I f f !NV`T\'t !.., I
The Mortgagor shall pay or cause 1 be p id,as the satne lresp4ct,O me due,(A)(1)all taxes and governmental charges of any
kind whatsoever which may at any time be lat fylllyiassessed Pr levied ageir{St or with re'pedt i the Property,(2)all utility and other charges,
including'service charges',incurred or imposed ffgt`itte�peratio Inteeatce,us ,:eecupangy/upkeep and improvement of the Property,and
(3)all assessments or other governmental charges that may lawfully be paid)itinstallmenty e''7i erla period of years,the Mortgagor shall be
obligated under the Mortgage to pay or cause tq e id only such installments are requited,to be paid during the term of the Mortgage,and
shall,promptly after the payment of any of the foregoing,forward to Mortgageandence'of sueh payment.
3. Application of Payments. Unless appljoable law provides otherwise,,)l a!y ents received by Lender shall be applied;first,to
interest due;and,to principal due;and last,to any late pbaitges due under the N9te. /
4. Charges;Liens. Borrower shall pay all taxes,ass e$sments,.char9estfirfes"and impositions attributable to the Property which may
attain priority over this Security Instrument,and leaseholdpazrnenisor grourt-a.bentsif any. Borrower shall promptly furnish to Lender all
notices of amounts to be paid under this paragraph,and all recetptslevide ieing`Ihe 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 lien an agreement satisfactory to Lender subordinating the lien to this Security Instrument. If Lender determines that 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. Hazard or Property Insurance. Borrower shall keep the improvements now existing or hereafter erected on the Property 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 shall be chosen by Borrower subject to Lenders approval which shall not be unreasonably withheld. If Borrower fails to
maintain coverage described above,Lender may,at Lenders option,obtain coverage to protect Lenders rights in the Property in accordance
with paragraph 7. At all times that the Note is outstanding,the Mortgagor shall 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 times to be in an amount not less than the full replacement
cost of the Premises,exclusive of footings 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. If 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 loss 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 Lenders security is not lessened. If the restoration or repair is not
economically feasible or Lenders 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 Property,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 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. If under paragraph
21 the Property is acquired by Lender,Borrowers right to any insurance policies and proceeds resulting 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.
6. Occupancy,Preservation,Maintenance and Protection of the Property;Borrower's Loan Application,Leaseholds. Borrower shall
occupy,establish,and use the Property as Borrowers principal residence within sixty days after the execution of this Security Instrument and
shall continue to occupy the Property as Borrowers principal residence for at least one year after 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
Borrowers control. Borrower shall not destroy,damage or impair the Property,allow the Property to deteriorate,or commit waste on the
Property. Borrower shall be in default if any forfeiture r'`° '" - 1 or criminal,is begun that in Lenders good faith
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judgment could result in forfeiture of the Property or otherwise materially impair the lien created by this Security Instrum or]},��naers§fcinty
interest. Borrower may cure such a default and reinstate,as provided in paragraph 18,by causing the action or proceeMbldBe dismis ed
with a ruling that,in Lender's good faith determination,precludes forfeiture of the Borrowers interest in the Property or other material
impairment of the lien created by this Security Instrument or Lenders 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 Borrowers occupancy
of the Property as a principal residence. If this Security Instrument is on a leasehold,Borrower shall comply with all the provision of the lease.
If Borrower acquires fee title to the Property,the leasehold and the fee title shall not merge unless Lender agrees to the merger in writing.
7. Protection of Lender's Rights in the Property.lt8orrower fails to perform the covenants and agreements contained in this
Security Instrument,or there is a legal proceeding that may significantly affect Lenders rights in the Property(such as a proceeding in
bankruptcy,probate,for condemnation or forfeiture or to enforce laws or regulations),then Lender may do and pay for whatever is necessary to
'protect the value of the Property and Lender's rights in the Property. Lenders actions may include paying any sums secured by a lien which
has priority over this Security Instrument,appearing in court,paying reasonable attorneys'fees 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. If 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 pay the premiums required to maintain mortgage insurance in effect,or to provide a loss reserve,until the requirement for
mortgage insurance ends in accordance with any written agreement between Borrower and Lender or applicable law.
9. Inspection. Lender or its agent may make reasonable entries upon and inspections of the Property. Lender shall give Borrower
notice at the time of or prior to an inspection specifying reasonable cause for the inspection.
10. Condemnation. The proceeds of any award or claim for damages,direct or consequential,in connection with any condemnation
or other taking of any part of the Property,or for conveyance in lieu of condemnation,are hereby assigned and shall be paid to Lender. In the
event of a total taking of the Property,the proceeds shall be applied to the sums secured by this Security Instrument,whether or not then due,
with any excess paid to Borrower. In the event of a partial taking of the Property,in which the fair market value of the Property immediately
before the taking is equal to or greater than the amount of the sums secured by this Security Instrument immediately before the taking,unless
Borrower and Lender otherwise agree in writing,the sums secures_121 yshis..Security Instrument shall be reduced by the amount of the proceeds
multiplied by the following fraction:(a)the total amount of the-egms ec '•'ately before the taking,divided by(b)the fair market value
of the Property immediately before the taking. Any balance Sat; ld tO u• i."-fn the event of a partial taking of the Property in which
the fair market value of the Property immediately befprertl .taking is less than the„„rtuyti.\of the sums secured immediately for the taking,
unless Borrower and Lender otherwise agree in writirtt`br.ufiless applicable law othetwide-provides,the proceeds shall be applied to the sums
secured by this Security Instrument whether or not the Dims are then due. Unless Lender and Borrower otherwise agree in writing,any
application of proceeds to principal shall not extend o7'posJne the-due-date qf-t a montlyly payments referred to in paragraphs 1 or change
the amount of such payments.
11. Borrower Not Released,Forbearanl e. L.encder*!toff e�yl(ehrer sip\of the time for payment or modification of
amortization of the sums secured by this Sectrity Itr¢'trt{net�}igrahtedL by 4e` er \an 9ssoriin interest of Borrower shall not operate to
release the liability of the original Borrower orBorrywerfs succestsorS in)irtlte L` err/shall nottbe required to commence proceedings
against any successor in interest or refuse to extenb,tirhe fs�ftpatmen�r btl rwiserIodlbr atrprtiiation of the sums secured by this Security
Instrument by reason of any demand made by\thJ.ori`glnatBorrower'br Bo-miter's s'u ssorgjm interest. Any forbearance by Lender in
exercising any right or remedy shall not be a waly.ej f or preclude the exercise:of any f rightIorTernedy.
12. Successors and Assigns Bounds biht and Several Liability Signer e covenants and agreements of this Security
Instrument shall bind and benefit the successors ardtf�e`asigns of Lender and Bo owej, ubjec`tito the
Provisions of paragraph 17. Borrowers covenants\aod a ements shall be joint and Any Borrower who co-signs this Security
Instrument but does not execute the Note;(a)is co-sign` tis Security Instrumen(o l tdmortgage,grant and convey that Borrowers interest
in the Property under the terms of this Security Instrumenn,'(b)ys{� on bligate4 to pay the sums secured by this Security Instrument;
and(c)agrees that Lender and any other Borrower may agi'eettf_' enortjear or make any accommodations with regard to the terms
of this Security Instrument or the Note without that Borrowers cent:
13. Loan Charges. If the loan 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 loan exceed the permitted
limits,then:(a)any such loan charge shall be reduced by the amount necessary to reduce the charge to the permitted limit;and(b)any sums
already collected from Borrower which exceeded 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 mail unless applicable law required use of another method. The notice shall be directed to the Property Address or any other address
Borrower 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. This Security Instrument shall be governed by federal law and the law of the jurisdiction in which
the Property is located. 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- If all or any part of the Property or any interest in it is sold or
transferred(or if a beneficial nterest in Borrower is sold or transferred and Borrower is not a natural person)without Lenders prior written
consent,Lender may,at its option,require immediate payment in full of all sums secured by this Security Instrument. However,this option shall
not be exercised by Lender if exercise is prohibited by federal law as of the date of this Security Instrument.
If 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 fails to
pay these sums prior to the expiration of this period,Lender may invoke any remedies permitted by this Security Instrument without further
notice or demand on Borrower.
18. Borrower's Right to Reinstate. If 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 attorney's fees;and(d)takes such action as Lender may
reasonably require to assure that the lien of this Security Instrument,Lenders 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 Security 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
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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 Properly. 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 governmental 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 sums secured by this Security Instrument,foreclosure by judicial proceeding and sale of the Property. The notice shall
further inform Borrower of the right to reinstate after acceleration and the right to assert in the foreclosure proceeding the non-existence of a
default or any other defense of Borrower to acceleration and foreclosure. If the default is not cured on or before the date specified in the notice,
Lender,at its option,may require immediate payment in full of all sums secured by this Security Instrument without further demand and may
foreclose this Security Instrument by judicial proceeding. Lender shall be entitled to collect all expenses incurred in pursuing the remedies
provided in this paragraph 21,including,but not limited to,reasonable attorney's fees and costs of the title evidence.
22. Release. Upon payment of all sums secured by this Security Instrument,Lender shall release this Security Instrument,without
charge,to Borrower. Borrower shall pay any recordation costs.
23. Attorneys'Fees. As used in this Security Instrument and the Note,"attorneys'fees"shall include any attorneys'fees awarded by
an appellate court.
24. Riders to this Security Instrument. If one or more riders are executed by Borrower and recorded together with this Security
Instrument,the covenants and agreements of each such rider shall be incorporated into and shall amend and supplement the covenants and
agreements of this Security Instrument as if the rider(s)were a part of this Security Instrument. (Check Applicable Box)
❑Adjustable Rate Rider ❑Rate Improvement Rider ❑Condominium Rider
0 Graduated Payment Rider ❑1-4 Family Rider 1,G ❑Second Home Rider
❑Balloon Rider ❑Biweekly Pay ntT i P-1.- r,-
nit Development Rider
EI Other(s)(specify 7.0 �r
SIGNING BELOW,Borrower accepts and agrees'to the tg,Eg7sa�nd Covenantsadntained ifll,th s ecurity Instrument and in any rider(s)executed
by Borrower and recorded with it. / / •_i"^, \ \
Signed,sealed and delivered in the presence: v —~ )\ \V 1 )i
Witness#1: L.At a. ..• ^, agnatuie; uica-_J e.NAIS 'eneriD,sa.
f Borrower�� )Mar .De Jesus Resendiz
Signature: on i �'a� ail 4/21,1_,I
Witness#2: . - _. f ` ,• . / Signature: C CStlS /2�eri012 (14 SC�
` r"�O -Go-Borrower k/a Maria De Jesus Resendiz Mendoza
Signature: �"
Pow- if
._ C1
o.,, .,- s9 nity Way
Ia®olcales,Sere 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,personally appeared Maria De Jesus Resendiz to me known to be the person(s)described in and who executed the
a/k/a Maria De Jesus Resendiz Mendoza
foregoing instrument and acknowledged before me that(He/she/they)executed the same for the purpose therein expressed.
WITNESS my hand and official seal in the County and State aforesaid this 2nd day of- March 20 04
My Commission Expires: ��
Nutary Public's Signature
(Seal)
Notarys
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...UMBER
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-----77-77.7r 4Ys AL
File#: 04-082
-..,..... 10r1 NUMBER
-,- �Q imam ssrmElPBiB
. .f‘.0�_ JULY 19,N104
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*** OR' 35.1/13/2015 16.D.11.
File Number: 401
FULL LEGAL DESCRIPTION
Exhibit"A" to
Lot(s) 23,JUBILATION ,according to n :t thereof, recorde i t Book 37, Page(s)4 through 7, of
the Public Records of COLLIER Couaity„ 'lore+a.
I T E 1(\\ (-- (7-I\1171r17")
Packet Page-1451-
1/13/2015 16.D.11 .
Prepared by:Mandy Moody
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 Maria DeJesus Resendiz to COLLIER COUNTY, recorded on 03/10/2004 in
Official Records Book 3517, Page 1713, of the Public Records of Collier County, Florida, securing a
principal sum of $5,000 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 -
,2015,Agenda Item Number
ATTEST: BOARD OF COUNTY COMMISSIONERS
DWIGHT E.BROCK, CLERK OF COLLIER COUNTY, FLORIDA
By: By:
,DEPUTY CLERK TOM HENNING,CHAIRMAN
Approval for form and legality:
C>'°")Jennifer A.Belpedio � ,
Assistant County Attorney t‘ip
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1/13/2015 16.D.11.
SECOND MORTGAGE
Retn: 4203163 OR: 4388 PG: 0453 OBLD 19950.00
CHAMPION TITLE A TRUST RECORDED in the OFFICIAL RECORDS of COLLIER COUNTY, FL Tin! 19439.50
3700 :AKESIDB DRIVE 1495 08/22/2008 at 02:30PM DWIGHT B. BROCK. CLBRL
MIRAMAR FL 33027 DOC-.35 70.00
THIS SECOND MORTGAGE("Security Instrument')is given on ,2008. The Second Mortgagor is:
Laura Bruno,a single woman
("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 3301 S. Tamiami Trail, Naples, Florida 34112 .
Borrower owes Lender the sum of Nineteen Thousand Nine Hundred Fifty and 00/100 Dollars
($19,950.00). This debt is evidenced by Borrowers 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 . This Security Instrument secures to Lender:(a)the repayment of the debt evidenced by the
Note,with interest,and all 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 Borrowers 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 Collier County,Florida.
As more particularly described as Fairway Preserve at Olde Cypress a Condominium#928,Collier County,Florida and which has the
address of
('Property Address"): _ 7940 Preserve Circle # 928, Naples, FL 34119
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. All replacements
and additions shall also be covered by the Security Instrument. All of the foregoing is referred to in this Security Instrument as the"Property".
BORROWER COVENANTS that Borrower is lawfully seized-of-the_estate hereby conveyed and has the right to mortgage,grant and
convey the Property and that the Property is unencumbered,-eEcept er(ntsmbrences of record. Borrower warrants and will defend generally
the title to the Property agairst all claims and demands,-subiectt yenci. ranbes of record.
THIS SECURITY INSTRUMENT combines:drnnrnj.covenants for nation' useand non-uniform covenants with limited variation by
jurisdiction to constitute a uniform security instrument covering real property. \1 \
UNIFORM COVENANTS. Borrower and Lender covenant and agree as follo`vrss:
1. Payment of Principal and Interest;Prepayment and-Late-Charges. Borrower shall promptly pay when due the principal of and
interest on the debt evidenced by the Note. / j f-.`
2. Taxes. The Mortgagor will pay alt taxes Ssessme$t mew s terraces prior to the accrual of any penalties or interest _
thereon. ( I( J( l ! `‘ 11 f
The Mortgagor shall pay or cause to be paid,(pps the seme,resprr berome du all taxes and governmental charges of any
kind whatsoever which may at any time be layyfi 1ty iaesBSSe&Jb e egairlittj or with respect1mthe Property,(2)all utility and other charges,
including"service charges",incurred or imposed-forth oe peratjon,maintenance,use,`pccupariy;upkeep and improvement of the Property,and
(3)all assessments or other governmental chargeOtrat may lawfully be paid irCinstallrnenjs,pvet a period of years,the Mortgagor shall be
obligated under the Mortgage to pay or cause tobepaid only such installmentsg-are required/to be paid during the term of the Mortgage,and
shall,promptly after the payment of any of the foregprt ,forward to Mortgagee 2videhce d uch payment.
3. Application of Payments. Unless appl[cableJaw provides otherwise,,alLpa'ients received by Lender shall be applied;first,to
interest due;and,to principa due;and last,to any late_Cbsrges-due under the.Note.-\
4. Charges;Liens. Borrower shall pay all takes,as'sesamenCs;clierde5 nes and impositions attributable to the Property which may
attain priority over this Security Instrument,and leasehold paymerftsar(roinrents,if any. Borrower shall promptly furnish to Lender all
notices of amounts to be paid under this paragraph,and all receipts evidencing 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 lien an agreement satisfactory to Lender subordinating the lien to this Security Instrument- If Lender determines that 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. Hazard or Property Insurance. Borrower shall keep the improvements now existing or hereafter erected on the Property 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 shall be chosen by Borrower subject to Lender's approval which shall not be unreasonably withheld. If Borrower fails 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 times that the Note is outstanding,the Mortgagor shall 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 times to be in an amount not less than the full replacement
cost of the Premises,exclusive of footings 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. If 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 loss 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 Property,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 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. If under paragraph
21 the Property is acquired ty Lender,Borrower's right to any insurance policies and proceeds resulting 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.
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 after 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
mowers control. Borrower shall not destroy,damage or impair the Property.allow the Property to deteriorate,or commit waste on the
1 Packet Page -1453-
OR: 4388 1/13/2015 16.D.11 .
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. If this Security Instrument is on a leasehold,Borrower shall comply with all the provision of the lease.
If Borrower acquires fee title to the Property,the leasehold and the fee title shall not merge unless Lender agrees to the merger in writing,
7. Protection of Lender's Rights in the Property. If 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 do and pay for whatever is necessary to
protect the value of the Property and Lenders 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'fees 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. If 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 pay the premiums required to maintain mortgage insurance in effect,or to provide a loss reserve,until the requirement for
mortgage insurance ends in accordance with any written agreement between Borrower and Lender or applicable law.
9. Inspection. Lender or its agent may make reasonable entries upon and inspections of the Property. Lender shall give Borrower
notice at the time of or prior to an inspection specifying reasonable cause for the inspection.
10. Condemnation. The proceeds of any award or claim for damages,direct or consequential,in connection with any condemnation
or other taking of any part of the Property,or for conveyance in lieu of condemnation,are hereby assigned and shall be paid to Lender. In the
event of a total taking of the Property,the proceeds shall be applied to the sums secured by this Security Instrument,whether or not then due,
with any excess paid to Borrower. In the event of a partial taking of the Property,in which the fair market value of the Property immediately
before the taking is equal to or greater than the amount of the sum .ed_by this Security Instrument immediately before the taking,unless
Borrower and Lender otherwise agree in writing,the sums s eel tktfy5 Jnstrument shall be reduced by the amount of the proceeds
multiplied by the following fraction:(a)the total amount of'fh€ts f Sei u. & iatelx before the taking,divided by(b)the fair market value
of the Property immediately before the taking. Any batene�e.Sha1I be paid to Boit6'ia Orthe event of a partial taking of the Property in which
the fair market value of the Property immediately be1Q the taking is less than the afrpant Ot the sums secured immediately for the taking,
unless Borrower and Lender otherwise agree in writing,dr unless applicable law otherwise prdvides,the proceeds shall be applied to the sums
secured by this Security Instrument whether or l+ot theisams are then-due-_Uttess Lender andllorrower otherwise agree in writing,any
application of proceeds to principal shall not extend pr poS on ie due date of the monthly pa' ents referred to in paragraphs 1 or change
the amount of such payments.
11. Borrower Not Released,Forbearanfe yy Le da t of �' r, et$66n�of the time for payment or modification of
amortization of the sums secured by this Security Instrument grintetl bite tto�a y l'ucc essorlj in interest of Borrower shall not operate to
release the liability of the original Borrower or8eaower ,5r1P.c sSgre jn irlteIst. Lei ide�shallfnet be required to commence proceedings
against any successor in interest or refuse to 4i(ten time"'(or pay ment or otfieRvise airy em'bft(zation of the sums secured by this Security
Instrument by reason of any demand made by theA inal Borrower or Borrov�s ssu esso, 'irjiinterest. Any forbearance by Lender in
exercising any right or remedy shall not be a waver of or preclude the exercis ny!ng11t oc remedy.
12. Successors and Assigns Bound,';lbtntand Several Liability;eO Signez -7'he covenants and agreements of this Security
Instrument shall bind and benefit the successors a'hd[ass` s of Lender and Borrower ts�tlbjett to the
Provisions of paragraph 17. Borrower's covenants andants shall be jot ndes8veral. Any Borrower who co-signs this Security
Instrument but does not execute the Note;(a)is co-sigitini thia-Se i inert r to mortgage,grant and convey that Borrower's interest
in the Property under the terms of this Security Instrument; s`no nor J
1petgorl Obligated to pay the sums secured by this Security Instrument:
and(c)agrees that Lender and any other Borrower may agree tOeektend-mS' ify,forbear or make any accommodations with regard to the terms
of this Security Instrument or the Note without that Borrower's consent.
13. Loan Charges. If the loan 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 loan exceed the permitted
limits,then:(a)any such loan charge shall be reduced by the amount necessary to reduce the charge to the permitted limit;and(b)any sums
already collected from Borrower which exceeded 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 mail unless applicable law required use of another method. The notice shall be directed to the Property Address or any other address
Borrower 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. This Security Instrument shall be governed by federal law and the law of the jurisdiction in which
the Property is located. 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. If all or any part of the Property or any interest in it is 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,this option shall
not be exercised by Lender if exercise is prohibited by federal law as of the date of this Security Instrument.
If 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 fails to
pay these sums prior to the expiration of this period,Lender may invoke any remedies permitted by this Security Instrument without further
notice or demand on Borrower.
18. Borrower's Right to Reinstate. If 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 Security 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 th i given written notice of the change in accordance with
Packet Page -1454
OR: 438E 1/13/2015 16.D.11 .
taragraph 44 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 governmental 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 2C,"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 sums secured by this Security Instrument,foreclosure by judicial proceeding and sale of the Property. The notice shall
further inform Borrower of the right to reinstate after acceleration and the right to assert in the foreclosure proceeding the non-existence of a
default or any other defense of Borrower to acceleration and foreclosure. If the default is not cured on or before the date specified in the notice,
Lender,at its option,may require immediate payment in full of all sums secured by this Security Instrument without further demand and may
foreclose this Security Instrument by judicial proceeding. Lender shall be entitled to collect all expenses incurred in pursuing the remedies
provided in this paragraph 21,including,but not limited to,reasonable attorney's fees and costs of the title evidence.
22. Release, Upon payment of all sums secured by this Security Instrument,Lender shall release this Security Instrument,without
charge,to Borrower. Borrower shall pay any recordation costs.
23. Attomeys'Fees. As used in this Security Instrument and the Note,'attorneys'fees"shall include any attorneys'fees awarded by
an appellate court.
24. Riders to this Security Instrument If one or more riders are executed by Borrower and recorded together with this Security
Instrument,the covenants and agreements of each such rider shall be incorporated into and shall amend and supplement the covenants and
agreements of this Security Instrument as if the rider(s)were a part of this Security Instrument. (Check Applicable Box)
❑Adjustable Rate Rider ❑Rate Improvement Rider ❑Condominium Rider
❑Graduated Payment Rider ❑1-4 Family Rider T�� ❑Second Home Rider
❑Balloon Rider ❑Biweekly PayOinti t� �- IA •n •Unit Development Rider
❑Other(s)(specify 1"-"'
SIGNING BELOW,Borrower accepts and agrees to r t�;v- ,ndiveTiarrts-&itained i this city Instrument and in any rider(S)executed
by Borrower and recorded w th it. j
Signed,sealed and deliverer;in the presence ldf: 71111' �/
Witness#1 �E c/ U v. rl (,/�� Q1J1
/ /
Signature: Bo • ` rune
(Jj
WRness#2: Signature:1 •s' '
Co-Borrower
Signature: ;U
r`'�•••- '40 Preserve Circle # 928
Naples, Florida 34119
STATE OF FLORIDA
COUNTY OF o/krl
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,personally appeared Laura Bruno to me known to be the person(s)described in and who executed the foregoing
instrument and acknowledged before me that(He/she/they)executed the same for the purpose therein expressed.
WITNESS my hand and official seal in the County and State aforesaid this ? day of /emu y., ,20 p j
My Commission Expires: .y//Z Op
Notary Pubfc's Signatu
(Seal) � •..z,
UmlimallowdbrallarsairahrO Notary's Printed Name
„'ar',,, CAROL CONNORS
..▪ 1 cc, Notary Public•Slate of Florida
. .1 My Commission Expires May 1.2011 /'o; Commission 11 DO 658518
'▪•E Q;;,`0p'" Bonded Through National Notay Assn.
File#: 08-134
PacketPage -1455-
1/13/2015 16.D.11.
. *** OR: 4388 PG: 0456 ***
EXHIBIT " A "
UNIT 928, FAIRWAY PRESERVE AT OLDE
CYPRESS, A CONDOMINIUM, ACCORDING TO
THAT CERTAIN DE k&43 ON OF
CONDOMINIU* 1 WRE0 CORDED IN
OFFICIAL • ' C "RDS BOOK 3 66,\PAGES 4006
THROUGH - 12"1, [ t I' , ASA ENDED, OF
THE PUBL C '� t i - �, ; VIE R COUNTY,
FLORIDA. T 14 t E CLIUSIVE RIGHT
TO USE PA r t 20:
E CI
Packet Page-1456-
1/13/2015 16.D.11 .
Prepared by:Mandy Moody
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 Laura Bruno to COLLIER COUNTY, recorded on 08/22/2008 in Official
Records Book 4388, Page 0453, of the Public Records of Collier County, Florida, securing a principal
sum of $19,950 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 -
,2015,Agenda Item Number
ATTEST: BOARD OF COUNTY COMMISSIONERS
DWIGHT E.BROCK, CLERK OF COLLIER COUNTY, FLORIDA
By: By:
,DEPUTY CLERK TOM HENNING, CHAIRMAN
Approval for form and legality:
Jennifer A. Belpedio c Oka.
lo
Assistant County Attorney v,i1,
‘1"
Packet Page -1457-
u
1/13/2015 16.D.11 .
Into: 3144293 OR: 3238 PG; 330o
soex 0 PIAAICIAL ADIII i NOOSING IICORDID le the OOFICIAL OICOIDS of COLLIII COUNTY, IL 08L0 15000,00
INflI011ICI 03/13/2003 at 07:30AN DIIGIT S. BROCI, CUR OBLI 15000,00
ATTI: HINDI ILO?? !IC !NI 15,00
DOC",]S 52,50
SECOND MORTGAGE
THIS SECOND MORTGAGE("Security Instrument")is given on February 25.2003. The Second Mortgagor is:
JOHN WARREN iF WYSSTTA WARREN, HUSBAND a WIFE
("Borrower"). This Security Instrument is given to Coil ter County ("Lender'),which is organized and existing
under the laws of the United States of America.and whose address is 3050 North Horseshoe 22rive k275, Naples,
Florida 39104. Borrower owes Lender the sum of Fifteen Thousand Dollars(U.S. 15,000.00).This,debt is
evidenced by Borrowers 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. This Security Instrument secures to Lender:(a)the repayment of the debt evidenced by the Note,with interest,and all
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 Borrowers 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 properly located in Collier
County,Florida.
More particularly described as: LOT 18,PALM RIDGE SUBDIVISION,UNIT NO.1,ACCORDING TO THE PLAT THEREOF RECORDED
INPLAT BOOK 9,PAGE 8 OF THE PUBLIC RECORDS OF COLLIER COUNTY,FLORIDA.FOL101185120720001
and which has the address of
(Property Address"): 804 Palm Ridge Dr.
131.1
City, Florida 34142
1cre 131, 1tm
TOGETHER WITH all the improvements now or hereafter erected on the property,and all easements,nghts.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 of the foregoing is referred to in this Security Instrument as the"Property'.
BORROWER COVENANTS that Borrower is lawfully seized of the estate hereby conveyed and has the right to mortgage,grant
and convey the Property and that the Property is unencumbered,exeeptizencumbrances of record. Borrower warrants and will defend
generally the title to the Property against all claims andderrae(7Ici sdbjectdaany,ncumbrances of record.
THIS SECURITY INSTRUMENT combines nlprm_>nvenerith7orvtalibaa7vseandnon-uniform covenants with limited variation by
jurisdiction to constitute a uniform security instruMeMieovefing real property��.t'(
UNIFORM COVENANTS. Borroweraratifider covenant and agree as,fdlfows�
1. Payment of Principal and interest;Prepayment,and Late Charges.'Borrower shall promptly pay when due the principal of
and interest on the debt evidenced by the Note./
2.Taxes.The Mortgagor will pay all taxes..asses tnen$'sewer rents or water,ratesprior to the accrual of any penalties or interest
thereon. l� dl r `�i yr m�tl governmental The Mortgagor shall pay or cause to t�polid�a&lh sa a to Pwlve a due.(.)(i)all taxes and cha of
any kind whatsoever which may at any time brklavlfully assessed or fevied-8gartist or with respect to the Property,(2)all utility and other
- charges,including'service charges',incur!eq Q1JnipASOd4or'the eperalitii mair?tenagceItise.ioccupancy,upkeep and improvement of the
Property, r,go r'
p rly,and(3)all assessments or oth� Yemmental c�iarges that may lawf Illy bQ1�$(i11 in installments over a period of years,the
Mortgagor shall be obligated under the Mottgisgetto pay or cause to be paid' i y such insi 'nts as are required to be paid during the term
of the Mortgage,and shall,promptly after the,p yment of any of the toreg orlkartf rtgagee evidence of such payment.
3.Application of Payments.Unless licable law provides othe f:aft pertts received by Lender shall be applied;first,to
interest due;and, principal clue;and last,t P ny tale charges due under the Not)1 /
4.C a;Liens. Borrower shall p4 ii t ct assessments,charges the6and impositions attributable to the Property,which
may attain priority over this Security Instrument,andteasepoldpgiyfehts ffgrobnsrents,if any. Borrower shall promptly furnish to Lender
all notices of amounts to be paid under this paragraph ie kilt riebeirtslevitlenofng the payments.
Borrower shall promptly discharge any lien which hasassppiS ty rve 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 lien an agreement satisfactory to Lender subordinating the lien to this Security Instrument. If Lender determines that 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. Hazard or Property Insurance. Borrower shall keep the improvements now existing or hereafter erected on the Property
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 shall be chosen by Borrower subject to Lender's approval,which shall not be unreasonably
withheld. If Borrower fails to maintain coverage described above,Lender may,at Lenders option,obtain coverage to protect Lender's rights
in the Property in accordance with paragraph 7.At all times that the Note is outstanding,the Mortgagor shall 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,it
appropriate),with a uniform standard extended coverage endorsement,including debris removal coverage. Such insurance at all times to be
in an amount not less than the full replacement cost of the Premises,exclusive of footings and foundations.
All insurance policies and renewals shall br1 acceptable to Lender and shell include a stendwd mortgag,dal rse. !ender shall have
the right to hold the policies and renewals. If Lender requires,Borrower shall promptly give to Lender all receipts of paid premiums and
renewal notices. In the event ul Fuss,Bvrruwer shall give prompt notice to me insurance tamer and Lender. Lender may make proof of loss
it 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 Lenders 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 Property.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 Properly or to pay sums secured by this Security Instrument,whether or not then due.The 30-
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. If under paragraph 21 the Property is acquired by Lender,Borrower's right to any insurance policies and proceeds resulting 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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F0194 o OR: 3238 PG: 3389
6. Occupancy,Preservation,Maintenance and Protection of the Property;Borrower's Loan Application,Leaseholds.
Borrower shall occupy,establish,and use the Property as Borrowers principal residence within sixty days after the execution of this Security
Instrument and shall continue to occupy the Property as Borrowers principal residence for at least one year after 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 lalth judgment could result in forfeiture of the Property or otherwise materially impair the lien created by this Security
Instrument or Lenders 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 Borrowers 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 it 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 Borrowers occupancy of the Property as a principal residence. If this Security Instrument is on leasehold,Borrower shall comply
with all the provision of the lease. If Borrower acquires fee title to the Property,the leasehold and the tee title shall not merge unless Lender
agrees to the merger in writing.
7.Protection of Lender's Rights tmthe Property. If Borrower tails to perform the covenants and agreements contained in this
Security Instrument,or there is a legal proceeding that may significantly affect Lenders rights in the Property(such as a proceeding in
bankruptcy,probate,tap condemnation or forfeiture or to enforce laws or regulations),then Lender may do and pay for whatever is necessary
to protect the value of the Property and Lender's rights in the Property. Lenders actions may include paying any sums secured by a lien.
which has priority over this Security Instrument,appearing in court,paying reasonable attorneys'fees and entenng 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.
B. 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 01 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,it
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 pay the premiums required to maintain mortgage insurance in effect,or to provide a loss
reserve,until the requirement for mortgage Insurance ends c e-r `lvltti any written agreement between Borrower and Lender or
applicable law.
9. Inspection. Lender or its agent may''AAke`Eesaonable entries hJpop.and inspections of the Property. Lender shall give
Borrower notice at the time of or prior to an inspechbnspecitying reasonable cause 1r5r-the inspection.
10. Condemnation. The proceeds N ahy award or claim for damages,direct or consequential. in conne:lion with any
condemnation or other taking of any part of the Propertrorforct ruyeyance ip,fieu of corulemriehon,are hereby assigned and shall be paid to
Lender. In the event of a total taking of the Property,theproceeds shall t e-applied to the8umssecured by this Security Instrument,whether
or not then due,with any excess paid to Borrower-j0„the ey of e;oartia]takin9,o1 the Property,in which the fair market value of the
Property immediately before the taking is equal*4or teiat hart the amount'athesurh(s Secured by this Security Instrument immediately
before the taking,unless Borrower and Lender Otherwise agree in writing,thte sunSs seeureti by this Security Instrument shall be reduced by
the amount of the proceeds multiplied bylhe,fellowin ectien:rjaLthe t al amount bt thetsurps secured immediately before the taking,
divided by(b)the fair market value of the Piro sty\im?laedlately7t efbrEcthedaking.r-An4alance shall be paid to Borrower. In the event of a
partial taking of the Property in which the fairrnarket value of the Property irm(Pediate'y before.ttie taking is less than the amount of the sums
secured immediately for the taking,unless Bdt over and Lender otherwise agree in writiri or'Unless applicable law otherwise provides,the
proceeds shall be applied to the sums secur,4by, .,his Security Instrument liether,ornot'the sums are then due. Unless Lender and
Borrower otherwise agree in writing,any applicalion‘ot proceeds to principal U' oLaxtend or postpone the due date of the monthly
payments referred to in paragraphs 1 or change elite ount of such payments„/".A.,
11. Borrower Not Released,Forbeerettedy},endez-Note-waiver fixtension of the time for payment or modification of
amortization of the sums secured by this Security Instrurner(t premed by tieVidefjoahy successor in interest of Borrower shah not operate to
release the liability of the original Borrower or Borrowers sudcessors'In-interest. 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 end 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. Borrowers
covenants and agreements shall be joint 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 and convey that Borrowers interest in the Property under the terms of this
Security Instrument;(b)is not personally obligated to pay the sums secured by this Security Instrument;and(c)agrees that Lender and any
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 Borrowers consent.
13.Loan Charges. If the loan 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 loan exceed the permitted
limits,then:(e)any such loan charge shall be reduced by the amount necessary to reduce the charge to the permitted limit;and(b)any sums
already collected from Borrower which exceeded 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 pnncipal,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 mail unless applicable law required use or another meinco. I he notice shall be directed to the Property Address or any other address
Borrower 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 ore Beneficial Interest In Borrower. It all or any part of the Property or any interest in it is 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,al 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 this Security Instrument prohibits exercise. If 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 fails to pay these sums 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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• TOPJf 0 tt t 011; 3238 PG; 3390 ***
1e. Borrower's Right to Reinstate. If 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 it 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 tees;and(d)takes such action as Lender
may reasonably require to assure that the lien of this Security Instrument,Lenders nghts in the Property and Borrowers 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 Security Instrument. There also may be one or more changes of the Loan Servicer
unrelated toe sale of the Note. II 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 governmental 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 PropWtt.is.located that relate to health,safety or environmental protection.
21. Acceleration;Remedies, Lender shalLgiValrore o other prior to acceleration following Borrower's breach of any
covenant or agreement in this Security Instrumept`(bukndtpaoetet og1under paragraph 17 unless applicable law provides
otherwise).The notice shall specify: (a)the default®(,$e'action required tot fault;(c)a date.not less than 30 clays from the date
the notice is given to Borrower,by which the defatilt/mdst be cured;and(d)that faflut+elo Lure the default on or before the date specified in
the notice may result in acceleration of the sums acryred by this Security Instrumk,foreclosure by judicial proceeding and sale of the
Property. The notice shall further inform Borrower th rigttlio-reinstate titter acceleration and the right to assert in the foreclosure
preceding the non-existence of a default or any ether Uefettle offlorrower to acceleratiin and foreclosure. It the default is not cured on or
before the date specified in the notice,Lender/,1-it opti n hay,recRiirpirra(tiediet ymen\in full of all sums secured by this Security
Instrument without further demand and may foOclose thi Sdcu'ty'1nat then by Aid*proceeding. Lender shall be entitled to collect all
expenses incurred in pursuing the remedies pr vided in t is paragr 2 lu g`put of li iced to,reasonable attorneys fees and costs
of the title evidence. ('� ��\ l/ 3 1 I(-'I
22.Release. Upon payment of afhau its secured by�t is Securi nstrurnent.Len 'iMhan release this Securty instrument,without
charge,to Borrower. Borrower shall pay mfrs cordation costs. I ..
23.Attorneys'Fees. As used in Nil's-Security Instrument and t 'attorneys'ees-shall include any attorneys'tees awarded
by an appellate court. \� t``
24.Riders to this Security InstrumlrilSL.,N or more riders are exeotffed iABorrower and recorded together with this Security
Instrument,the covenants and agreements of eech``ssdefrrf cshall be it ateaV and shall amend and supplement the covenants and
agreements of this Security Instrument as if the ride?(sawpi liair—At‘rtts,eyes nstrument. (Check Applicable Box)
Adjustable Rate Rider a e mprovement Rider 1--t Condominium Rider
U_ Graduated Payment Rider tJ 1-4 Family Rider U Second Home Rider
Balloon Rider r1 IJ Biweekly Payment Rider, u Planned Unit Development Rider
ri
-
Other(s)(specify
SIGNING BELOW,Borrower accepts and agrees to the terms and covenants contained in this Security Instrument and n any rider(s)
executed by Borrower and recorded with it.
Signed,sealed and delivered in the presence of: .
Witness Signature: Signature: ''i L - t L L
Borrower MARI N
Witness Print Name 1‘,\,f t`fi L Signature: ( _- —/'.et' i << e, 2 1•
Borrower A WARM
Witness Signature:
Witness Pnnt Name' C1.-r '5 6 t' ri_ Address: 904 Palm Ridge Dr.
Itnmokalee, Florida 34142
STATE OF_Flonda_
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,personally appeared JOHN WARRZlt a WYSI TTA WARREN to me known to be the person(s)described in and
who executed the foregoing instrument and acknowledged before me that HE/SHEi THEY executed the same for the purpose therein
expressed.
�,;; Lauren J.Beard
WITNESS my hand and official seal in the County and State aforesaid this February 25,2003. 4 1.'_Commission NDD159084
�}•=Expires:Oct 24,2006
Bonded Thnt
My Commission Expires: \ Atlantic Banding Co.,Inc.
otary Public'sS,gr Lure
Lam"`
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Prepared by:Mandy Moody
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 John & Wvsetta Warren,husband and wife, to COLLIER COUNTY, recorded
on 03/13/2003 in Official Records Book 3238, Page 3388, of the Public Records of Collier County,
Florida, securing a principal sum of $15,000 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 -
2015, Agenda Item Number
ATTEST: BOARD OF COUNTY COMMISSIONERS
DWIGHT E.BROCK,CLERK OF COLLIER COUNTY,FLORIDA
By: By:
,DEPUTY CLERK TOM HENNING,CHAIRMAN
Approval for form and legality:
Jennifer A. Belpedio ‘t
Assistant County Attorney
Packet Page-1461- O�
DINSTR WIGHT4E99BROCK, CLERK 2461
COLLLIER2 3
COUNTY FLORIDA 1/13/2015 16.D.11 .
DOC @.35 $10.50 REC $27.00
OBLD $3,000.00 OBLI $0.00
STATE HOUSING INITIATIVES PARTNERSHIP (SHIP) PROGRAM
SECOND MORTGAGE
THIS SECOND MORTGAGE('Security Instrument")is given on day of ,2011. The Second Mortgagor is:
Samuel Espinosa and Paula A. Ramirez, a serried couple
('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 3339 E. Tamiami Trail, Naples, Florida 34112 .
Borrower owes Lender the sum of Three Thousand and 00/100 Dollars ($3,000.00). 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 lose of homestead exemption .
This Security Instrument secures to Lender.(a)the repayment of the debt evidenced by the Note,with interest,and all renewals,extensions
and modifications;(b)the payment of all other sums,with Merest advanced under paragraph 7 to protect the security of the Security
Instrument;and(c)the performance of Borrowers 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 Collier County,Florida.
As more particularly described as Golden Gate Est,Unit 71 W,75FT OF E 15OFT TR 68,of the Public Records of Collier County,Florida
and which has the address of:
("Property Address"): 3530 22'd Ave NE Naplee Florida 34120
(Address) /j�RY) '-", (S t a t e) RD)
TOGETHER WfTH all the improvement ilGrT? ed- ''''and all easements,rights,appurtenances,rents,
royalties,mineral,oil and gas rights and profits,wate�'«Li ndstodc and at fixtu or-hereafter a part of the property. All replacements
and additions shall also be covered by the insurnent.All of the foregoing is refeeredkiirithis Security Instrument as the'Property'.
BORROWER COVENANTS that jd lawfully seized of the estate hereby ixinveyedand has the right to mortgage,grant and
convey the Property and that the Property js unencetnbered.exert for encumbrances of record. Borrower warrants and will defend generally
the title to the Property against all clairm!nd demands,subject to isayencurnixanees of recorf:\
THIS SECURITY iNSTRUMENT combines tJrOortii.c@venants for national use and non unifamcovenants with limited variation by
jurisdidion to constitute a uniform secudt,y Instillment covering*Lpmpeftn.
UNIFORM COVENANTS. Barrowertapd2 coveTian-Trand iTfoll
l itt'd
y-- 1. Payment of Principal airy In t;Prspo,m"sM�rtekt�Oita�es. y;pa8 pwnptly pay when due the principal of and
Merest on the debt evidenced by the Nate. �� 1f 1 It j
2. Taxes. The Mortgagor Ml pay it s,as \sm r ts,)� or water prior t�iaccrual of any penalties or Merest
thereon. The Mortgagor shall C°• e p , ° /a f
pay or pau�;.to as the a respednely ae, )(pelajtes and governmental charges of any
kind whatsoever which may at any time*. ly assessed or levied against oryrlth respect to the Rcppaty,(2)all utility and other charges,
including'service charges',incurred or kit for the operation,maintenance,u5(3;,occupaney;up p and rnprover ent of the Property,and
(3)all assessments or other governments` that may lawfully be paid let ilstilpfentlt ovef s'Er dd of years,the Mortgagor shall be
obligated under the Mortgage to pay or� t paid only such installments as awe hersthyd d'epaid during the term of the Mortgage,and
shall,promptly after the payment of any of thtli goingy forward to Mortgagee evidence f.£ .
3.Application of Payments. Unles's appiiosble,law provides otherwise,allpaynilt is by Lender shall be applied;first,to
interest due;and,to principal due;and last,to an`y.later fFarpes,le under the Npte! `S `cu rved
4. Charges;Liens. Borrower shall pay glazes, ess[pe tin g,s(fin impositions attributable to the Property which may
attain priority over this Security instrument,and leaseheildkarnaPtikr ggourt1 Ist.intatarriy. Borrower shall promptly furnish to Lender all
notices of amounts to be paid under this paragraph,and all redeipisaitideOdag-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 M a manner acceptable to Lender,(b)contests in good faith the lien by,or defends against
enforcement of the hen in,legal proceedings which in the Lender's opinion operate to prevent the enforcement of the lien;or(c)secures from
the holder Otte lien an agreement satisfactory to Lender subordinating the lien to this Security Instrument. If Lender determines that 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.
6. Hazard or Property Insurance. Borrower shall keep the improvements now existing or hereafter erected on the Property 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 shall be chosen by Borrower subject to Lender's approval which shall not be unreasonabty withheld. if Borrower fails 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 times that the Note is outstanding,the Mortgagor shall 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 times to be in an amount not less than the full replacement
cost of the Premises,exclusive of footings 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. If 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 loss it 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 Property,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 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. If under paragraph
21 the Property is acquired by Lender,Borrower's right to any insurance policies and proceeds resulting from damage to the Property prior to
the acquisition shall pass to Lender to the extent of the sums secured by this Security Instrument irrnedfatety prior to the acquisition.
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 after 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,allow the Property to deteriorate,or commit waste on the
Prx,pe,ty. 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 Lenders security
interest. Borrower may cure such a default and reinstate,as provided in paragraph 18,by causing the action or proceeding to be dismissed g12
Packet Page -1462-
OR 4712 PG 2462
1/13/2015 16.D.11 .
with a ruling that,in Lender's good faith determination,precludes forfeiture of the Borrower's interest in the Property cr other material
impairment of the lien seated by this Security Instrument or Lenders security interest. Borrower shalt 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. If this Security Instrument Is on a leasehold,Borrower shall comply with all the provision of the lease.
If Borrower acquires fee title to the Property,the leasehold and the fee title shall not merge unless Lender agrees to the merger in writing.
7. Protection of Lender's Rights In the Property. If Borrower fails to perform the covenants and agreements contained in this
Security Instrument,or there is a legal proceeding that may significantly effect Lenders rights in the Property(such as a proceeding in
bankruptcy,probate,for condemnation or forfeiture or to enforce taws or regulations),then Lender may do and pay for whatever is necessary to
protect the value of the Property and Lenders rights in the Property. Lenders actions may include paying any sums secured by a lien which
has priority over this Security Instrument,appearing in court,paying reasonable attorneys'fees 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. ff.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. If 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 On
the amount and for the period that Lender requires)provided by an insurer approved by Lender again becomes available and is obtained.
Borrower shall pay the premiums required to maintain mortgage insurance in effect,or to provide a loss reserve,until the requirement for'
mortgage insurance encs in accordance with any written agreement between Borrower and Lender or applicable law.
9. Inspection. Lender or Its agent may make reasonable entries upon and inspections of the Property. Lender shaft give Borrower
notice at the time of or prior to an inspection specifying reasonable cause for the inspection.
10. Condemnation. The proceeds of any award oc.daW d gas,-difect or consequential,in connection with any condemnation
or other taking of any part of the Property,or for conveyance i i r f 4i ,e?e.b)ereby assigned and shall be paid to Lender. In the
event of a total taking of the Property,the proceeds,sfialt bit o„ s by-this Security Instrument,whether or not then due,
with any excess paid to Borrower. In the event ofa;perliaPtaking of the Property,° the fair market value of the Property immediately
before the taking Is equal to or greater than the'rrevai,cf the sums secured by this Se of ty IQ trur ent immediately before the taking.unless
Borrower and Lender otherwise agree in writiig,gbe/srms secured by this Security Instrurnet shall e reduced by the amount of the proceeds
multiplied by the following fraction:(a)the total amount of the sums secured nmediatey before the taking,divided by(b)the fair market value
of the Property immediately before the taking. balance sha bbe.paid.lo_Borrower. In the eGFnt of aTartiat taking of the Property n which
the fair market value of the Property Immediate tefo lthera)Cing Is less than)Fie arnount of the`¢ums seared Immediately for the taking,
unless Borrower and Lender otherwise agree it writing or unlesiappHrabte law otheise provide,the proceeds shall be applied to the sums
secured by this Security Instrument whether or rlotlf Mare, ,ducebIn Lee��gJdddeeerrr''�ggrrn�nd'.BOrtower Otherwise agree in writing,any
application of proceeds to principal not 7rencror pouf it di nt the fn refe r ed to n paragraphs 1 or change ,..�
the amount of such payments. `(
11. Borrower Not Relea Fortzean ce err Not a iv Extension the t forpayment or modification of
amortization of the sums secured by tli I r by nd&to any sy`ycestor i)Intenett of Borrower shall not operate to
release the liability of the original s in Lender-SW De,Le.g,tu,red to commence proceedings
against any successor in interest or reh}Se to Wend time for payment or othenwusG.modify amort2elan�ot the sums secured by this Security
Instrument by reason of any demand mad y.ttoriginal Borrower or Borrowers,'ggrecessgrs in,rcelerelt! Any forbearance by Lender in
exercising any right or remedy shall not ba> ' r of or preclude the exercise drarlyiight;or
12. Successors and AssIgns un ,)olnt and Several Liability;Co-Sipnere./T e narrts and agreements of this Security
Instrument shall bind and benefit the six ana'Rssigns of Lender and Borrower,subject fo„the'
Provisions of paragraph 17. Borrower's covenants ehd agreements shall be joint ands *Borrower who co-signs this Security
Instrument but does not execute the Note;(a)is`bizk,sig 9ris,Searity InstrunteritonlylOmdOgage,grant and convey that Borrowers interest
in the Property under the terms of this Security Instmr e nt;;05) ..9gligated 1o.pay the sums secured by this Security Instrument;
and(c)agrees that Lender and any other Borrower endinicit 6�r kldrbear" make any accommodations with regard to the terms
instrument this Security instrent or the Note without that Borrowers cortse 1t. ---
13. Loan Charges. If the loan 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 ban exceed the permitted
limits,then:(a)any such loan charge shall be reduced by the amount necessary to reduce the charge to the permitted limit;and(b)any sums
already collected from Borrower which exceeded 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 mail unless applicable law required use of another method. The notice shall be directed to the Property Address or any other address
Borrower designates by notice to Lender. Any notice to Lender shall be given to Borrower or Lender when given as provided in this paragraph.
15. GovemIng Law;Severablltty. This Security Instrument shall be governed by federal law and the law of the jurisdiction in which
the Property is located. 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. Borrowers Copy. Borrower shall be given one conformed copy of the Nate and of this Security Instrument.
17.Transfer of the Property or a Beneficial Interest In Borrower. If all or any part of the Property or any interest in It is sold or
transferred(or if a bene'cial interest in Borrower is sold or transferred and Borrower is not a natural person)without Lenders prior written
consent,Lender may,at its option,require immediate payment in full of all sums secured by this Security Instrument. However,this option shall
not be exercised by Lender if exercise is prohibited by federal taw as of the date of this Security Instrument.
If 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 s delivered or mailed within which Borrower must pay all sums secured by this Security Instrument. If Borrower faits to
pay these sums prior to the expiration of this period,Lender may invoke any remedies permitted by this Security Instrument without further
notice or demand on Borrower.
18. Borrower's Right to Reinstate. If 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 sae 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 attomey's fees;and(d)takes such action as Lender may
reasonably require to assure that the lien of this Security Instrument,Lenders 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 limes 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 Security 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 cr 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.
Packet Page -1463-
FR.
*** OR 4712 PG 2463 ***
1/13/2015 16.D.11 .
•
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 governmental 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 Lawn means federal laws and laws of the jurisdiction where the Property is
located that relate to heath,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 other*ise). 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 sums secured by this Security Instrument,foreclosure by judicial proceeding and sale of the Property. The notice shall
further inform Borrower of the right to reinstate after acceleration and the right to assert in the foreclosure proceeding the non-existence of a
default or any other defense of Borrower to acceleration and foreclosure. If the default is not cured on or before the date specified in the notice,
Lender,at Its option,may require immediate payment in full of all sums secured by this Security Instrument without further demand and may
foreclose this Security Instrument by judicial proceeding. Lender shall be entitled to collect all expenses incurred in pursuing the remedies
provided in this paragraph 21,including,but not limited to,reasonable attorneys fees and costs of the title evidence.
22. Release. Upon payment of all sums secured by this Security Instrument,Lender shall release this Security Instrument,without
charge,to Borrower, Borrower shall pay any recordation costs.
23. Attorneys'Fees.As used in this Security Instrument and the Note,'attorneys'lees'shall include any attorneys'fees awarded by
an appellate court.
24. Riders to this Security Instrument If one amore" errs art5`Zxecuted by Borrower and recorded together with this Security
Instrument,the covenants and agreements of each suchafder�ilall ncp info-and shall amend and supplement the covenants and
agreements of this Security Instrument as if the rid s •_Dole tr . (Check Applicable Box)
p�.
p Adjustable Rate Rider ❑Rate trh Rider cpnomnium Rider
❑Graduated Payment Rider ❑ 4 FAT' Ride ❑Second Are nle Rider
❑Balloon Rider (Biwee A mf)Td J P.Jarmed Unit Oevelo Rider
❑Othens)(specify �.^�-�,
SIGNING BELOW.Borrower accepts and agues 1 the s a� nd\ s'datta' in i In .meat and in any rider(s)executed
by Borrower and with tt. ` �!� i(`
Signed,s a • -v. the prei since' ,,... ';'% �. �,! .!ci A�I :"�_*�PI�
W ��� 1\. Signature: $._
Borrower ,r:•-.•• el/rapinosa
Signature: / / 1110./ 1;
Wdnesshl2: eNr'S�/ AIM*,.. Signature: �, ..� fall. (alit N
404% Co-Borrower •e1 . Ramirez
Signature: `'/.h_
�diVas3530 22nd Ave NE•
Naples, Florida 34120
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,personally appeared Samuel Espinosa and Paula A. Ramirez to me known to be the person(s)described
in and who executed the foregoing instrument and acknowledged before me that(He/she!they)executed the same for the purpose therein
expressed.
WITNESS my hand and official seal in the County and State of• • .• 6 d d 2011.
t J
My Commission Expires:
4 Public's Signature — _
( • I) Notary Public State of Florida `t7 ., /�
< i' 7t?I. Frances S Legdam s Printed Name s
i� My Ccmmissan 0D739795 • N •
�r{orM1O.e Expires 01118!2012
SHIP Filet: 09-396
Prepared by:
Collier County Housing.Human&Veterans Department
3339 E.Tamiami Trail,Bldg H,Suite 211
Naples,FL 34112
Packet Page -1464-
1/13/2015 16.D.11.
Prepared by:Mandy Moody
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 Samuel Espinosa to COLLIER COUNTY, recorded on 08/23/11 in Official
Records Book 4712, Page 2461, of the Public Records of Collier County, Florida, securing a principal
sum of $3,000 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 -
2015, Agenda Item Number
ATTEST: BOARD OF COUNTY COMMISSIONERS
DWIGHT E. BROCK,CLERK OF COLLIER COUNTY,FLORIDA
By: By:
, DEPUTY CLERK TOM HENNING,CHAIRMAN
Approval for form and legality:
Jennifer A. Belpedio < k'
Assistant County Attorney ‘1,(1�
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1/13/201516.D.11.
PORN 0 late: 2891710 OR: 2931 PG: 2618 0 C-.35 52.50
MOUSING i OASAM I010011111T AICOADID is the Off1CIAL AICOAOS of COLLIR COUNT!, It
INTIA OflICi 11121/2001 at 01:01AN DYIGMT 1. iIOCI, CLIII .
i' ATTN: WINDT ILOff SECOND MORTGAGE
1
THIS SECOND MORTGAGE("Security Instrument")is given on November 9.2001. The Second Mortgagor is
Eugenio Silva li Jesuse Silva, husband & wife
("Borrower-'. This Security Instrument is given to i:::i i-t i�:ri.•r• Lender',which is organized and existing
under the laws of the United Slates of America.and whuse address is l•."i 1 1 :•h H •t:•••:;`r .'t .",••• x.:' . ::.iI •
i•' , i.1.1 2.4: 14. Borrower owes Lender the sum of FIFTEEN THOUSAND DOLLARS(U.S.S 15,000.00). This.debt is
evidenced by Borrower's Note dated the same dale as this Security Instrunieiit('Sec.md Mortgage'),which provides tut monthly payments.
with the full debt,if not paid earlier,due and payable on sale of property, refinance, or loss of homestead
exertion. This Security Instrument secures to Lender.(a)the repayment of the debt evidenced by the Note,with interest.and all
renewals,extensions and modifications,(b)the payment of all other sums,with interest advanced under paragraph 7 to protect the security tit
the Security Instrument.and(c)the performance of Borrower's covenants and agreements under this Security Instrument and the Note For
this purpose,Borrower dues hereby second mortgage,grant and convey to Lander the following described property located in
_.iiI.r y.Florida.
More particularly described as Lot 7, Commencing NE 1/2 Corner of Section 36, West 2661.20 Ft, South
1158.2 Ft, West 216 Ft to point of beginning. Unrcd Trafford Farms Folioa100061720002
and which has the address of
(-Property Address') -1.1 nur,,•t :..41.1.•.
1:111i i. ,!.•.•, I•'1 'ti.i,i I414.:
TOGETHER WITH all the in now or hereafter erected on the property,and all easements,rights,appurtenances,rents,
royathes,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 of the foregoing is ralerred to in this Security Instrument as the-Property"
BORROWER COVENANTS that Borrower is lawful) of the estate hereby conveyed and has the right to mortgage.grant
and convey the Property and that the Property is une)c � icurr•brances of record Borrower warrants and will defend
generally the title to the Property against all clan�n.,d q7• 1 ncunibrances of record
THIS SECURITY INSTRUMENT comb*' •m covenants • t6 �r alt�e and non-uniforrncovenants with limited variation by
urisdiction to constitute a uniform security n covering real property Y
UNIFORM COVENANTS. Borr er ' Lender covenant and agree as tollowit.
1.Payment of Principal emit terept;t?reparine t amend Late Charges. orro r shall promptly pay when due the principal of
and interest on the debt evidenced by t e Note. J_,
2.Taxes.The Mortgagor wi�rpay I to p•s,ssess its,sewer rents or rate prior to the accrual of any penalties ur interest
�� thereon z
The Mortgagor shall pay or Ise .i, a' , s t e m s''. b et b ire due, Al(I I all taxes and governmental charges of
ie
any kind whatsoever which may at an tiii e l wf AI a a' ei90 I. rod agktnsl(or to respect to the Property,(2)all utility and other
charges,including"service charges",i ourt•• , i •r a• o.•r l.•n,m ten:lnce,tif.occupancy.upkeep and improvement of the
Properly,and(3)all assessments or Mgt'governmental charges that nay law illy t/ia ib in installments over a period of years,the
Mortgagor shall be obligated under the ortljage to pay or cause to be pal inly such 10 1ttients as are required to be paid during the term
of the Mortgage,and shall,promptly after,ttvg Payment of any of the fores�r)�,a1g,Idrwat`d1v Agagee evidence of such payment.
3.Application of Payments. t rktesitooplicable law provides otHedw,der dl tents received by Lender shall be applied.first.to
interest due;and,to principal due;and last,'tdari}y. a charges due under the jtiloker /
f. Charges;Liens. Borrower shall‘payail.±ta assessments,ch3[ge¢,"1ipeis and impositions attributable to the Property which
may attain priority over this Security Instrument,an(,leay$ef)) r grooi pd'rents,if any Borrower shall promptly furnish to Lender
all notices of amounts to be paid under this paragraPte, Idia "iel{e p s�, enL ng the payments.
Borrower shall promptly discharge any hen which h-as-prtartty0Ger this Security Instrument unless Borrower'la)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 hen by or defends against
entorcernent 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. It Lender determines that 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 ur take one or more of the actions set forth above within 10 days of the giving of notice
5. Hazard or Property Insurance. Borrower shall keep the improvements now existing or hereafter erected on the Property
insured against loss by tire,hazards included within the term"extended coverage"and any other hazards,including floods or hooding,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 shalt be chosen by Borrower subject to Lender's approval•which shall not be unreasonably
withheld. It Borrower fads to maintain coverage described above,Lender may,at Lender's option.obtain coverage to protect Lender's rights
in the Properly in accordance with paragraph 7 At all times that the Note is outstanding,the Mortgagor shall 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•nsk insurance protecting the interests of the Mortgagor and Mortgagee
against loss or damage to the Premises by lire,lightning,and other casualties customarily insured against(including boiler explosion.it
appropriate).with a uniform standard extended coverage endorsement,including debris removal coverage. Such insurance at all tunes to be
in an amount not less than the full replacement cost of the Premises,exclusive of footings 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 arid renewals. II Lender requires.Borrower shall promptly give to Lender all receipts of paid premiums arid
renewal notices In the event of luss.Borrower shall give prompt notc9 to the insurac'e carrier r•id Lender. La;.her may rrr kit proof tit Iv,,
it not indite prcruptiy by Borrower.
Unless Lender and Borrower otherwise agree in writing,insurance proceeds shall be applied to restoration or repair of the Property
damaged.ii 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 Property,or does not answer within 30
days a notice from Lender that the insurance carrier has eared 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 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 I or change the amount of the
payments It under paragraph 21 the Property is acquired by Lender,Borrower's right to any insurance policies and proceeds resulting 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.
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 Secunty
Instrument and shall continue to occupy the Property as Borrower's principal residence for at least one year after 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 Borrowers control. Borrower shall nor rdnclrnv riamana rir,mgan the Property,allows the Property to deteriorate,or
commit waste on the Property. Borrower shall be Packet Page -1466-or proceeding,whether civil or criminal,is begun that in
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Lender's good faith judgment could result in torlorture of the Property or otherwise maternally impair the lien created by this Security
Instrument or Lenders 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 Lenders good faith determmaten,precludes forfeiture of the Borrower's interest in the ,e`."..\
Property or other material impairment of the hen created by this Security Instrument or Lender's security interest Borrower shall also be in
default it Borrower.during the loan application process,gave materially false or inaccurate information or statements to Lender or tailed to
provide Lender with any material information)in connection with the loan evidenced by the Note.including.but not limited to.representations
concerning Burrowers occupancy of the Property as a principal residence II this Security Instrument is on a leasehold.Borrower shall
comply with all the provision of the lease:H Borrower acquires lee title to the Preperty,the leasehold and the lee title shall riot merge unless
Lender agrees to the merger in writing.
7.Protection of Lender's Rights In the Property. II Borrower fads t3 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 ur to enforce laws or regulations).then Lender may do and pay for whatever is necessary
to protect the value of me Property and Lenders rights in the Property. Lender s actions may include paying any sums secured by a ben
which has priority over this Security Instrument.appearing in court.paying reasonable attorneys'fees 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 Burrower secured by this Security Instrument Unless Borrower and Lender agree to other
terrns of payment,these amrowns shall bear interest from the date of disbursement at the Note rate and shall be payable,with Interest,upon
notice from Lender to Burrower requesting payment
8. Mortgage Insurance. If Lender required mortgage insurance as ii condition of making the loan secured by this Security
Instrument.Borrower shall pay the premiums required to maintain Me mortgage insurance in effect. It.tor 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 iii effect from an alternate mortgage insurer approved by Lender If substantially equivalent mortgage
. insurance coverage is not available,Borrower shall pay to L ender each month a Burn equal to one-twelfth of the yearly mortgage insurance
premium being paid by Burrower 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 o mortyaye insurance. Loss reserve payments truly no longer be required,at the option of Lender.if
rnuneage insurance coverage In the amount and for the period that Lender regnares)provided by an insurer approved by Lender again
becomes available and IS obtained. Borrower shall pay the premiums required to maintain mortgage insurance in effect.or to provide a loss
reserve,until the requirement for mortgage insurance ends in accordance with any written agreement between Borrower and Lender or
applicable law.
9. Inspection. Lender or its agent may make reasonable entries upon and inspections of the Property. Lender shall give
Borrower notice at the time of or prior to an inspection specifying reasonable cause for the inspection.
10. Condemnation, The proceeds of any award or claim for damages, direct or consequential, in connection with any
condemnation or other taking at any part of the Property.or to iii lieu of condemnation,are hereby assigned and shall be paid to
Lender In the event of a total taking of the Property,th: . s I • to the sums secured by this Security Instrument.whether O
or not then due,with any excess paid to Borrowe. .Hi 1fi �� yi. 1 the Property in which the lair market value of the ..
Property immediately before the taking is equal lit r than the arnou( s secured by this Security Instrument immediately
before the taking,unless Borrower and Lende o��i e agree in writing.the su seichr-•by this Security Instrument shall be reduced by N
the amount of the proceeds multiplied by t :1ol�gwln fraction•(a)the total amour of th-sums secured immediately before the taking.
divided by(b)the fair market value of the'open i m�1�med.�ia'te'l a taking. Ally•ale a shall be paid to Borrower. In the event of a
partial taking of the Property In which the 1:n mllaFket value oche P operty nnrn�idiately b fore a taking is less than the amount of the sums
secured immediately for the taking,unle--Bor o Le Qth. . .• ..r-• :or u less applicable law otherwise provides.the
proceeds shall be applied to the sums ecur b t eo ri 1st : t• :t rT of th sums are then due Unless Lender and •- P---
Borrower otherwise agree in writing.any ap ca on of pr�e s�D,.ri i.: all I ..ten or postpone the due date of the month) N
payments referred to in paragraphs 1 tile a tf e a unt off ui)h:a!•wits. 1 I--1 y
11. Borrower Not Released`Fotbe'Ir B d rr • ,•Wei "•to t the time for payment or rnudiiealwn of n••
amortization of the sums secured by this �cur y Instrument granted by L der to try s r in interest of Borrower shall not operate to a.o
release the liability of the original Borrow �br`'Borrower's successors in irnl 1 airy -r ` not be required to commence proceedings
against any successor in interest or refuse la d time for payment or otti ise/n ortization of the sums secured by this Security
Instrument by reason of any demand made i iginal Borrower or Borro u'c g4ors in interest Any forbearance by Lender in
exercising any right or remedy shall not be a •v r preclude the exercise i .y r hr1 or remedy
12.Successors and Assigns Boun , e1d.t)veral Lisa ,, b- era.The covenants and agreements of this Security
instrument shall bind and benefit the successors ar s d�el n r.subject to the
Provisions of paragraph 17 Borrower's covenants an �timenl ifa •lint and several Any Borrower who co-signs this Security
instrument but does riot execute the Note;(a)is cosigning this Security Instrument only to mortgage,yrarrt and convey that Borrower's
interest in the Property under the terms of this Security Instrument,(b)Is not personally obligated to pay the sums secured by this Security
Instrument;and(c)agrees that Lender and any 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.
13.Loan Charges. If the loan 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 loan exceed the permitted
limits,them(a)any such loan charge shall be reduced by the amount necessary to reduce the charge to the pemetted limit;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 rotund 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 mail unless applicable law required use of another method. The notice shall be directed to the Property Address or any other address
Borrower 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 Me conflicting provision To
this end the provisions of this Security Instrument and the Note are declared to be severable
18. Borrower's Copy. Borrower shall be given one conformed copy ot'the Note and of this Security Instrument.
17. Transfer of the Property ore Beneficial interest in Borrower. It all or any part of the Property or any interest in it is sold or
transferred(or if a beneficial interest in Borrower is sold or transferred and Borrower is nut a natural person)without Lender's pnor 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 it federal law as of the date of this 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 Me notice is delivered or
mailed within which Borrower must pay all sums secured by this Security Instrument. II Borrower fads to pay these sums prior to the
expiration of this period, Lender may invoke arty remedies permitted by this Security Instrument without further notice or demand on
Borrower.
18. Borrower's Right to Reinstate. If Borrower meets certain conditions.Borrower shall have the right to have enforcement of
this Security Instrument discontinued at any time prior to the Garber of:(a)5.days(or such other penod as applicable law may specify for 1a",
reinstatement)before sale of the Property pursuant to any power of sale contained in this Secunty Instrument,or(b)entry or a judgment
enforcing this Security Instrument. Those conditions are that Borrower.(a)pays Lender all suers 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 ur 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 nghts in the Property and Borrowers 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
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19.Sale of Note;Change of Loan Servicer.The Note or a partial interest in the Note(together with this Secunty 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 Servrcer')that
^, collects monthly payments due under the Note and this Security Instrument. Thera'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 arid 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 governmental or regulatory authority,that arty removal or other
remedlation 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 arid herbicuies,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 Properly is located that relate to
health,safety or environmental protection.
21. Acceleration;Remedios. Lender shall give notice to Burrower prior to acceleration following Borrowers breach of any
covenant or agreement in this Security Instrument abut riot prior to acceleration under paragraph 1T unless applicable law provides
otherwise) The notice shall specify: (a)the default (b)the action required to cure the default;lc)a date.not less than 30 days from the date
the notice is given to Borrower,by which the default must be cured;and(dl that failure to cure the default on or before the date specified in
the notice may result in acceleration of the sums secured by this Security Instrument,foreclosure by ludlcral proceeding and sale of the
Property. The notice shall further inform Borrower of the right to reinstate after acceleration and the right to assert in the foreclosure
preceding the nonexistence of a default or any otter defense of Borrower to acceleration and foreclosure If the default is not cured on or
before the date specified in the notice,Lender,al its option,may require immediate payment in lull of all sums secured by this Security
Instrument without further demand arid may foreclose this Security Instrument by judicial proceeding Lender shall be entitled to collect all
expenses incurred in pursuing the remedies provided in this paragraph 21.including,but not limited tu.reasonable attorney's fees and costs
of the title evidence.
22. Release.Upon payment of all sums secured by this Security Instrument.Lender shall release this Security Instrument,without
charge.to Borrower. Borrower shall pay any recordation costs.
23.Attorneys'Fees.As used in this Security Instrument and the Note,"attorneys'tees'shall include any attorneys'tees awarded >•
by an appellate court.
24.Riders to this Security Instrument.If or r{i...1.ef ye, by Borrower and recorded together with this Secunty
Instrument,the covenants arid agreements of each j iftileas .1 • i.. and shall amend and supplement the covenants arid p
agreements of this Security Instrument as if the r d' a part of this Se i• •`cement (Check Applicable Box) :'n
I-1 Adjustable Rate Rider # Rate Improvement Rider L. Condominium Rider
r
LJ Graduated Payment Hider ,rely' ter J econd Home Rider C")
r-1
^ L-1 Balloon Rider n ,id: P..nned Unit Development Rider
IJ Other(s)(specify f,
SIGNING BELOW.Borrower accepts an �yr:: ..• e •� _, nts c-.. �i Security Instrument and in any nder(sl N
executed by Borrower and recorded with',C. !^�r
Signed.sealed and delivered in the preset '. : /
Witness Signature ,. %L.,. E:.c. Signature..- ��''�I�r':� ! [ C �''. • "s
i Burrower •A'irb Silva c )._ a'Fi•
Witness Print Name. V4 t_..,mow �'tiy +� F Signal ' ` '/ _ `�
I t r. ;arm?; ea Silva 'f
Witness Signature tc: /, t tl
Witness Print Name: (5..,,,.•t . 'a \'z•_c •c\ Address :'4.3 v.mita,t 1.,ui.•.
Irr:Ini'ka 1E•t•, Fl it i.1.t 3414:
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.personally appeared Eugenio Silva 4 Jesusa Si lea to me known to be the persons)described in and
who executed the foregoing instrument and acknowledged before me that HE SHE THEY executed the same for the purpose therein
expressed
WITNESS my hand arid official seal in the County and Stale aforesaid this November 9,2001.
Myl ommissionExpires ; / • , x •
Notary Public's Signaiare
Notary's Fruited Name
(SEAL)
r LAUREN HEARD
• y
if� NY COMMitS1Os•i i • i w't
axliskS +'Kx'•
~r'z'•1h .rir MFriary yawn 1140,4.,.
sar Packet Page -1468-
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1/13/2015 16.D.11 .
Prepared by:Mandy Moody
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 Eugenio & Jesusa Silva, husband and wife, to COLLIER COUNTY, recorded
on 11/28/2001 in Official Records Book 2931, Page 2618, of the Public Records of Collier County,
Florida, securing a principal sum of $15.000 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 -
, 2015,Agenda Item Number
ATTEST: BOARD OF COUNTY COMMISSIONERS
DWIGHT E. BROCK, CLERK OF COLLIER COUNTY,FLORIDA
By: By:
, DEPUTY CLERK TOM HENNING,CHAIRMAN
Approval for form and legality:
OP
Jennifer A.Belpedio
Assistant County Attorney
11
Packet Page-1469-
lets: 4168934 OR: 4362 PG: 1121
SIESI! E PILOA RECORDED in the OFFICIAL RECORDS of COLLI: 1/13/2015 1 6.D.1 1 .
1000 I TAMIAMI TR 1201 05/21/2008 at 02:50PM DWIGHT 1. BROCK, CLERK OBLI 20190.00
MAPLES FL 34102 SECOND MORTGAGE RIC Pll 27.00
DOC-.35 70.70
THIS SECOND MORTGAGE("Security Instrument")is given on ,2008. The Second Mortgagor is:
Robert D.Walker,a single man
("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 3301 E. Tamiami Trail, Naples, Florida 34112
Borrower owes Lender the sum of Twenty Thousand One Hundred Ninety and 00/100 Dollars ($20,190.00)
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 • This Security Instrument secures to Lender:(a)the repayment of the debt evidenced by the Note,with
interest,and all 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
Collier County,Florida.
As more particularly described as Reserve at Naples Condominium,The Bldg 6-201,Collier County,Florida and which has the address of:
("Property Address"): 1225 Reserve Way #201, Naples, FL 34105
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. All replacements
and additions shall also be covered by the Security Instrument. All of the foregoing is referred to in this Security Instrument as the"Property".
BORROWER COVENANTS that Borrower is lawfully seized of the estate hereby conveyed and has the right to mortgage,grant and
convey the Property and that the Property is unencumbered,except-for-encumbrances of record. Borrower warrants and will defend generally
the title to the Property against all claims and demands,subject aar'yetLcumraaceg of record.
THIS SECURITY INSTRUMENT combines uniform vo iiantsiornafenalBand non-uniform covenants with limited variation by
jurisdiction to constitute a uniform security instrument"coveting Teal property. f
UNIFORM COVENANTS. Borrower andLebdercovenant and agree as folloWs:;
1. Payment of Principal and Interestt'Prepaymentand Late Charges. Bofrpwer shall promptly pay when due the principal of and
interest on the debt evidenced by the Note. /
2. Taxes. The Mortgagor will pay alhtaxei,assessments,.seWer rents or water rates prior to the accrual of any penalties or interest
thereon. The Mortgagor shall pay or cause to?be paid,as the sahrekespectively beborne/du�,(A)(1)all taxes and governmental charges of any
kind whatsoever which may at any time be lawfully assessed(or levied agpii o wit reapedt,to the Property,(2)all utility and other charges,
including"service charges",incurred or imposed`fo)Itye ratiori rr aihtenanice,usc,,c upantc ,'upkeep and improvement of the Property,and
(3)all assessments or other governmental charges that may lawfully be paid'ia installmentliover/a period of years,the Mortgagor shall be
obligated under the Mortgage to pay or cause tq'bepaid only such installments4s are(regleired'to be paid during the term of the Mortgage,and
shall,promptly after the payment of any of the*egging,forward to Mortgagee%9yrderice,ed such payment.
3. Application of Payments. Unless appljeable law provides otherwise;`at) 'a er(ts received by Lender shall be applied;first,to
interest due;and,to principal due;and last,to any late charges due under the Not
4. Charges;Liens. Borrower shall pay all taXe4-assecsments,charg(t)ieessa/impositions attributable to the Property which may
attain priority over this Security Instrument,and leasehold-payrhents+er grour%rents if any. Borrower shall promptly furnish to Lender all
notices of amounts to be paid under this paragraph,and all recefp{S?evideneio -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 lien an agreement satisfactory to Lender subordinating the lien to this Security Instrument. If Lender determines that 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. Hazard or Property Insurance. Borrower shall keep the improvements now existing or hereafter erected on the Property 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 shall be chosen by Borrower subject to Lender's approval which shall not be unreasonably withheld. If Borrower fails 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 times that the Note is outstanding,the Mortgagor shall 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 times to be in an amount not less than the full replacement
cost of the Premises,exclusive of footings 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. If 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 loss 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 Property,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 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. If under paragraph
21 the Property is acquired by Lender,Borrower's right to any insurance policies and proceeds resulting 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.
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 after 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.allow the Property to deteriorate,or commit waste on the
Property. Borrower shall be in default if any forfeiture actin,"^,^^^__+^^ '••�°r"°"^"••"or criminal,is begun that in Lender's good faith
judgment could result in forfeiture of the Property or othe Packet Page -1470-*eated by this Security Instrument or Lender's security
1/13/2015 16.D.11 .
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 lirnited to,representations conceming Borrower's occupancy
of the Property as a principal residence. If this Security Instrument is on a leasehold,Borrower shall comply with all the provision of the lease.
If Borrower acquires fee title to the Property,the leasehold and the fee title shall not merge unless Lender agrees to the merger in writing.
7. Protection of Lender's Rights in the Property. If 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 do and 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 hen which
has priority over this Security Instrument,appearing in court,paying reasonable attorneys'fees 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 rec uesting 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. If 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 pay the premiums required to maintain mortgage insurance in effect,or to provide a loss reserve.until the requirement for
mortgage insurance ends ir accordance with any written agreement between Borrower and Lender or applicable law.
9. Inspection. Lender or its agent may make reasonable entries upon and inspections of the Property. Lender shall give Borrower
notice at the time of or prior to an inspection specifying reasonable cause for the inspection.
10. Condemnation. The proceeds of any award or claim for damages,direct or consequential,in connection with any condemnation
or other taking of any part of the Property,or for conveyance in lieu of condemnation,are hereby assigned and shall be paid to Lender. In the
event of a total taking of the Property,the proceeds shall be applied to the sums secured by this Security Instrument,whether or not then due,
with any excess paid to Borrower. In the event of a partial taking of the Property,in which the fair market value of the Property immediately
before the taking is equal to or greater than the amount of the sums secured by this Security Instrument immediately before the taking,unless
Borrower and Lender otherwise agree in writing,the sums secured by this Security Instrument shall be reduced by the amount of the proceeds
multiplied by the following fraction:(a)the total amount of the summa securedummediately before the taking,divided by(b)the fair market value
of the Property immediately before the taking. Any balance-shad Raid"tbaBgrfOwe.. In the event of a partial taking of the Property in which
the fair market value of the Property immediately before,the fakihjsaess ttiaf thp?acrjount of the sums secured immediately for the taking,
unless Borrower and Lender otherwise agree in writin‘puntesi applicable law ofttft lae•provides,the proceeds shall be applied to the sums
secured by this Security Instrument whether or notthe ms are then due. Unless Lend9f and Borrower otherwise agree in writing,any
application of proceeds to principal shall not extend or P ostpone the due date of the monthly payments referred to in paragraphs 1 or change
the amount of such payments. 1% / " '- \ ti
11. Borrower Not Released,Forbearance Byltender.Nos-a Waiver.\Extension of the time for payment or modification of
amortization of the sums secured by this Security irfstru7tent gr y�:•ender s any successor in interest of Borrower shall not operate to
release the liability of the original Borrower or Borroyv'ers sucdesSor`f i jirjtett. Pknder,%sh�ll notlbe required to commence proceedings
against any successor in interest or refuse to exteroi time fortpaycmeht qr ptf>ervnse modify a nortization of the sums secured by this Security
Instrument by reason of any demand made by the,,oitgirigl BbfowettorpBr}rrotver's a ce soisrimihterest. Any forbearance by Lender in
exercising any right or remedy shall not be a w,a(verief'brpreclu'dEthe exerEi of amyl`—right priernedy.
12, Successors and Assigns Boun't,lomt and Several Liability,_GoSignersrs.'TThe covenants and agreements of this Security
Instrument shall bind and benefit the successors api+assigns of Lender and B6T'ower'subje'bt to the
Provisions of paragraph 17. Borrower's covenanisspdagreements shall be joint andise■er'21/Any Borrower who co-signs this Security
Instrument but does not execute the Note;(a)is co>srgnip his Security InstrumentJortly?a- Mortgage,grant and convey that Borrower's interest
in the Property under the terms of this Security Instrumeat 'A).is_.not personally_ebtigateq.tb pay the sums secured by this Security Instrument;
and(c)agrees that Lender and any other Borrower may agree.;toieSen2h75 ,I
i(t Ocb,eer or make any accommodations with regard to the terms
of this Security Instrument or the Note without that Borrower's-consent.l 4 �
13. Loan Charges. If the loan 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 loan exceed the permitted
limits,then:(a)any such loan charge shall be reduced by the amount necessary to reduce the charge to the permitted limit;and(b)any sums
already collected from Borrower which exceeded 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 mail unless applicable law required use of another method. The notice shall be directed to the Property Address or any other address
Borrower designates by notice to Lender. Any notice to Lender shall be given to Borrower or Lender when given as provided in this paragraph.
16. Governing Law;Severability. This Security Instrument shall be governed by federal law and the law of the jurisdiction in which
the Property is located. 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. If all or any part of the Property or any interest in it is 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,this option shall
not be exercised by Lender if exercise is prohibited by federal law as of the date of this Security Instrument,
If 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 fails to
pay these sums prior to the expiration of this period.Lender may invoke any remedies permitted by this Security Instrument without further
notice or demand on Borrower.
18. Borrowers Right to Reinstate. If 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 attorney's 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 Security 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 ir law.
Packet Page -1471-
OT 1/1-1/2-615 16.D.11.
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 governmental 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 ot4tte 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 sums secured by this Security Instrument,foreclosure by judicial proceeding and sale of the Property. The notice shall
further inform Borrower of the right to reinstate after acceleration and the right to assert in the foreclosure proceeding the non-existence of a
default or any other defense of Borrower to acceleration and foreclosure. If the default is not cured on or before the date specified in the notice,
Lender,at its option,may require immediate payment in full of all sums secured by this Security Instrument without further demand and may
foreclose this Security Instrument by judicial proceeding, Lender shall be entitled to collect all expenses incurred in pursuing the remedies
provided in this paragraph 21,including,but not limited to,reasonable attorney's fees and costs of the title evidence.
22. Release. Upon payment of all sums secured by this Security Instrument,Lender shall release this Security Instrument,without
charge,to Borrower. Borrower shall pay any recordation costs.
23. Attorneys'Fees. As used in this Security Instrument and the Note,"attorneys'fees"shall include any attorneys'fees awarded by
an appellate court.
24. Riders to this Security Instrument. If one or more riders are executed by Borrower and recorded together with this Security
Instrument,the covenants and agreements of each such rider shall be incorporated into and shall amend and supplement the covenants and
agreements of this Security Instrument as if the rider(s)were a part of this Security Instrument. (Check Applicable Box)
❑Adjustable Rate Rider ❑Rate Improvement Rider
❑Condominium Rider
❑Graduated Payment Rider ❑1-4 Family Rider ❑Second Home Rider
❑Balloon Rider ❑Biweekly Payment Rider--- gPlanned Unit Development Rider
❑Other(s)(specify i F 11R CO1i'"
SIGNING BELOW,Borrower accepts and agrees o ttae' nns 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 cif: c"---\_________J--- �, 1,
Witness#1: I j ' .1 T,' \Bo}riwee '` R;ober !D. Walker
Signature 1 '�__,/ c_
Witness#2: \�,\ Signature .�r /,-' i
\ Co-Borrow. 117
Signature: \`. " /�/, c
e\�� ' ., ddrese^'7r22�. swerve Wa #201
Jr, aa y
J<L C j}`Naples, Florida 34105
STATE OF FLORIDA CO L
COUNTY OF u/ -"
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,personally appeared Robert D.Walker to me known to be the person(s)described in and who executed the foregoing
instrument and acknowledged before me that(He/she/they)executed the sam e for the purpose therein expressed. Q
WITNESS my hand and official seal in the County and State aforesaid this /J✓ day of ,200S( .
My Commission Expires:
(Seal) r�6 Public's Signatu Frederick J.„_,,_;_y
' ;v " Frederick J.Patrick Notary's Printed Name Patrick
��M Commission#DD455019'
''''- - Expires July 29,2009
w he 805-385-101�
File#: 08-012
Packet Page -1472-
1/13/2015 16.D.11 .
Prepared by:Mandy Moody
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 Robert D. Walker to COLLIER COUNTY, recorded on 05/21/08 in Official
Records Book 4362, Page 4121, of the Public Records of Collier County, Florida, securing a principal
sum of $20,190 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 -
,2015,Agenda Item Number
ATTEST: BOARD OF COUNTY COMMISSIONERS
DWIGHT E. BROCK,CLERK OF COLLIER COUNTY,FLORIDA
By: By:
,DEPUTY CLERK TOM HENNING,CHAIRMAN
Approval for form and legality:
Jennifer A.Belpedio *,1/40
Assistant County Attorney
Packet Page-1473-
1/13/2015 16.D.11 .
Kett: 3057994 OR: 3126 PG: illJZ Ol1D 15000.00
vox 0 [IlA1CIAL ADNII i H003IIG Dili RICORDID in the Ot!ICIAL WORDS of COLLIIR COMITY, [L 081I 15000,00
3950 1 10131E101 DR #275 1010II2002 at 11:2IAI DIIGIT 1. BROCI, CLI11 IIC 211 15.00
Will IL 34104 DOC-,3S 52,50
SECOND MORTGAGE
THIS SECOND MORTGAGE('Security Instrument')is given on September 4.2002. The Second Mortgagor is:
JUAN IIi ROSAt7Al► VILLAMOTVA, husband & wife
("Borrower). This Security Instrument is given to Collier C oun:y ('Lender'),which is organized and existing
under the laws of the United States of America,and whose address is 3050 North Horseshoe Drive *275, Naples_
Florida 34104. Borrower owes Lender the sum of Fifteen Thousand Dollars(U.S.S 15,000.00).This,debt is
y payments,
evidenced by Borrowers Note dated the same date as this Security Instrument('Second Mot a el.which orprovides s of homestead
with the full debt,if not paid earlier,due and payable on sale of property,
exemption. This Security Instrument secures to Lender.(a)the repayment of the debt evidenced by the Note,with interest..aa d all
renewals,extensions and modifications;(b)the payment of all other sums,with interest advanced under paragraph protect
the Security Instrument:and(c)the pert ormance of Borrowers s and covenants ve and agreements er t following rdas Security Instrument
located t and
in te Note iFo
this purpose,Borrower does hereby second mortgage,grant Y
County,Florida.
and which has the address of
More particularly described as
('Property Address'): 16 01 8th Ave.
19.4.1
Irmnokalee, Florida 34142
rein, Isirn ¢o;
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 of the foregoing is referred to in this Security Instrument as the-Pmperty.
BORROWER COVENANTS that Borrower is lawfully seized of the estate hereby conveyed and has the nght to mortgage,grant
and convey the Property and that the Property is unencumbered,except for encumbrances of record. Borrower warrants and will defend
generally the title to the Property against all claims and demands,subject to any encumbrances of record.
THIS SECURITY INSTRUMENT combines unifonnFavenanlct0Lnational use and non-uniform covenants with limited venation by
jurisdiction to constitute a uniform security Instrument cover rig:real PPo1}er ��
UNIFORM COVENANTS. Borrower and,Lende coirar�a'nt antagreeies,fotiows:
t and Late Cha .F Borrower shall promptly pay when due the principal of
1, Payment of Principal and Intsrostr"Pte�tiyrMn t'g!4
and interest on the debt evidenced by the Not LI \
2.Taxes.The Mortgagor will pay/all tax,.assoxcments,sewer rents or water rates prior to the accrual of any penalties or interest
thereon. = �� \ 1
The Mortgagor shall pay or cause t0 be paid,as—the-lame-respectively becorne,due,'(A)(1)all taxes and governmental charges of
Y any , ullB Sse iP� -agate .respect to the Property,(2)all utility and other
any ged whatsoever which may at e.I time be' a, viler k and improvement of the
Charges,including'service Charges'.Incurred K imposed fotrthe op�eratipq,rneit�te rice.usa•'�CUpancl',upkeep rriPrO
Property,and(3)all assessments or otherrgverOmehtel c rargesitt}at'maS laWtulW'be'psid m Installments over a period of years,the
Mortgagor shall be obligated under the Mortgagd°to_p0ercause Wbe pad only suchiinstBllrnents as are required to be pad during the term
of the Mortgage,and shall,promptly after4l6'Peymerit of any of the foregoing,forward to,Cltprtgagee evidence of such payment.
3.Application of Payments.UnfeSS applicable law provides oth'i wise,rall payments received by Lender shall be applied:first,to
interest due;and,to principal due;and lasttit ny late charges due undertetlote./
4.Charges;Lions.Borrower shall'pa-alttaxes,assessments,chergee,,tineslind impositions attributable to the'l Property,Lender
may attain priority over this Security Instrument am asehold payments or grounfl,r8itlS.it any.Borrower shall promptly
all notices of amounts to be paid under this paregiOh;andall receipts evlderlCtf g it'payments.
Borrower shall promptly discharge any lien wb}chhas priority ovsv,tid'Bedurity Instrument unless Borrower.(a)agrees in writing to
the payment of the obligation secured by the lien in a maniteiaccep4!Wb_101-ender,(b)contests in good faith the lien by,or defends against
enforcement of the lien in,legal proceedings which in the Lenders opinion operate to prevent the enforcement of the lien;or(c)secures from
the holder of the lien an agreement satisfactory to Lender subordinating the lien to this Security Instrument. If Lender determines that 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.
b. Hazard or Property insurance. Borrower shall keep the improvements now existing or hereafter erected on the Property
insured against foss 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 rods sat Lender r requires.r s The
approval,insurance carrier providing the insurance shall be chosen by Borrower subject to Lenders app
withheld. If Borrower falls to maintain coverage described above.Lender may,at Lender's option,obtain shall rage to,protect Lender's 1
In the Property In accordance with paragraph 7.At all times that the Note is outstaring,the Mortgagor
to the Premises against such risks and for such amounts as are customarily insured against and pay,as the same become due d �
all premiums in respect thereto,including,but not limited to,all-risk insurance protecting the interests of the Mortgagor
against loss or damage to the Premises by fire,lighting,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 times to be
in an amount not less than the full replacement cost of the Premises,exclusive of footings and foundations. Lender shall have
All insurance policies and renewals shall be acceptable to Lender and shall Include a standard mortgage and
renewal notices.the n the event of loss,renewats. If Lender requires,
shall ive prompt notice to the insurance carrier and Lender. Lender mayama proof premiums loss
if not made promptly by Borrower.
Unless I enter ar'±Borrower ofhennse cgree in wiling,:.nsurance 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
n 30
Instrument,whether or not then due,with any excess paid to Borrower. if Borrower abandons the Property,or does not answer wi Binder
days a notice from Lender that the insurance carrier has offered to settle a claim,then Lender may collect the insurance proceeds.
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 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. If under paragraph 21 the Property is acquired by Lender,Borrower's right to any insurance policies and proceeds resulting 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. Borrer Loan Application,Lesaetwtds
6. Occupancy,Preservation,Maintenance and Protection of the Property; wee
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 Borrowers principal residence for at least one year after the date of occupancy,
unless Lender otherwise agrees in writing,which consent shall not be unreasonably withheld,or unless extenuating circumstances an exist
t
which are beyond Borrower's control. Borrower shall not destroy,damage or impair to Property,
allows the Property
commit waste on the Property. Borrower shall be in default if any forfeiture action or proceeding,whether civil or criminal,is begun that in
Lenders good faith judgment could result in forfeiture of the Property or otherwiseten materially impair the liieenn created by this the Security in
Instrument orLenders security interest. Borrows Packet Page -1474-
..weed,sup
• . 1/13/2015 16.D 1 1
rotul 0
or proceeding to be dismissed with a ruling that,in Lenders good faith determination,precludes forfeiture of the Borrowers interest in the
Property or other material Impairment of the lien created by this Security Instrument or Lenders 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 tailed to
provide Lender with any material information)in connection with the loan evidenced by the Note,including,but not limited to,representations
concerning Borrowers occupancy of the Property as a principal residence. If this Security Instrument is on leasehold.Borrower shall comply
with all the provision of the lease. If Borrower acquires fee title to the Property,the leasehold and that/relate shall not merge unless Lender
agrees to the merger in writing.
7. Protection of Lender's Rights In the Property. If Borrower fails to perform the covenants and agreements contained in this
Security Instrument,or there Is a legal proceeding that may significantly affect Lenders rights in the Property(such as a proceeding in
bankruptcy,probate,for condemnation or forfeiture or to enforce laws or regulations),then Lender may do and pay tor whatever is necessary
to protect the value of the Property and Lenders rights in the Property. Lenders actions may include paying any sums secured by a hen,
which has priority over this Security Instrument,appearing in court,paying reasonable attorneys'fees 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 shalt 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. If 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 pay the premiums required to maintain mortgage insurance in effect,or to provide a loss
reserve,until the requirement for mortgage insurance ends in accordance with any written agreement between Borrower and Lender or
applicable law.
9. Inspection. Lender or its agent may make reasonable entries upon and inspections of the Property. Lender shall give
Borrower notice at the lime of or prior to an inspection specifying reasonable cause for the inspection.
10. Condemnation. The proceeds of any award or claim for damages,direct or consequential, in connection with any
condemnation or other;eking of any part of the Property.or for conveyance in lieu of condemnation,are hereby assigned and shall be paid to
Lender. In the event 01 a total taking of the Property,the proceeds shall be applied to the sums secured by this Security Instrument,whether
or not then due,with any excess paid to Borrower. In the a f-ap9Aial taking of the Property,in which the fair market value of the
Properly immediately before the taking is equal to or greeter{FIslt the'atno)igioLlhe sums secured by this Security Instrument immediately
before the taking,unless Borrower and Lender oth9ty'seegie "ia.wrifingz t'ebdmssecured by this Security Instrument shall be reduced by
the amount of the proceeds multiplied by the feltottygtr on:(a)the tota'egl t of the sums secured immediately before the taking,
divided by(b)the fair market value of the Properkjmrriediately before the taking'.Anybalance shall be paid to Borrower. In the event of a
partial taking of the Property in which the fait narke(value of the Property Immediately before the taking is less than the amount of the sums
secured immediately for the taking,unless$orr vier n k.endeotheavisepgree in writing or,unless applicable taw otherwise provides,the
proceeds shall be applied to the sums secured by this Seeurity.lnstrument whether dr not the sums are then due. Unless Lender and
Borrower otherwise agree in writing,any applicatio)v(pladdeds tt3 { )still Pef.extend or postpone the due date of the monthly
payments referred to in paragraphs 1 orichan�Me astdunt ofIsuh't ritS�
11. Borrower Not Released Fo recite By o� -Wafv.r. Extension of the time for payment or modification of
amortization of the sums secured by this ecufe,'lh trr3inienig^rented by tender tip aria sui:eessor in interest of Borrower shall not operate to
release the liability of the original BoroweS;,ar pvftoWers iecceiebiS'Rryriteresf"'ceridyr II not be required to commence proceedings
against any successor in Interest or refuse M.e tend time for payment or ottmrwise;modify-amortization of the sums secured by this Security
Instrument by reason of any demand made ,y tPf original Borrower or wens sucdesebrs in interest. Any forbearance by Lender in
exercising any right or remedy shall not be a fr',¢i r of or preclude the eke dl eny'eght or remedy.
12.Successors and Assigns Bounb;J t end Several Liability;Cosigners.The covenants and agreements of this Security
Instrument shall bind and benefit the successorat iessigns of Lender an acrid w r;subject to the Provisions of paragraph 17.Borrower's
covenants and agreements shall be joint and several AnyBotlowerwh Casignt fhis Security Instrument but does not execute the Note;(a)
is co-signing this Security Instrument only to mortgage-grant and borate ttatiforowers interest in the Property under the terms of this
Security instrument;(b)is not personally obligated to paythe'tmssecured 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 Borrowers consent.
13.Loan Charges. If the loan secured by this Security Instrument is subject toe 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 loan exceed the permitted
limits,then:(a)any such loan charge shall be reduced by the amount necessary to reduce the charge to the permitted limit;and(b)any sums
already collected from Borrower which exceeded 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
Borrower 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.
18. Borrower's Copy. Borrower shall be given one conformed copy of the Note and of this Security Instrument.
17. Transfer or the Drop.rty ors R.n.tfnial Infernal in Rorrowr.r. If sill nr any ran of the Properly or any interest in it is sofr!or
transferred(or if a beneficial interest in Borrower is sold or transferred and Borrower is not a natural person)without Lenders 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 this Security instrument prohibits exercise. If 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 fails to pay these sums prior to the
expiration of this period.Lender may invoke any remedies permitted by this Security Instrument without further notice or demand on
Borrower.
18. Borrower's Right to Reinstate. If Borrower meets certain conditions,Borrower shell 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,Lenders 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 it no acceleration had occurred. However,this right to reinstate shall not apply in
the case of acceleration under paragraph 17.
Packet Page -1475-
.v..ed.wp
• S 1/13/2015 16.D.11 .
TORY o *** OR: 3126 PG: 1094 **I
19.Sale of Note;Change of Loan Sandoz.The Note or a partial interest in the Note(together with this Secuitty 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 end this Security 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 end 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 governmental or regulatory authority,that any removal or other remedistion 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 shell 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;(0)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 sums secured by this Security Instrument,foreclosure by judicial proceeding and sale of the
Property. The notice shall further Inform Borrower of the right to reinstate after acceleration and the right to assert in the foreclosure
preceding the non-existence of a default or any other defense of Borrower to acceleration and foreclosure. If the default is not cured on or
before the date specified In the notice,Lender,at its option,may require immediate payment in full of all sums secured by this Security
Instrument without further demand and may foreclose this Security Instrument by judicial proceeding.Lender shall be entitled to collect all
expenses incurred In pursuing the remedies provided In this paragraph.,,Including,but not limited to,reasonable attorney's fees and costs
of the title evidence.
22.Release.Upon payment of all sums secureddS�Se vfjt rent,Lender shall release this Security Instrument,without
charge,to Borrower. Borrower shall pay any recd atlbri,costs.
23.Attorneys'Fees.As used in thisSHccilmy Instrument and the Note. ttomeys'fees'shall include any attorneys'fees awarded
/
by an appellate court. /`
24.Riders to this Securtty Insapnent:hone or or morerfdersareexeouted*Borrower and recorded together with this Security
Instrument,the covenants and agreements of each sd fi iderlshallbe incorporated into and shall amend and supplement the covenants and
agreements of this Security Instrument If the rt cif Instirnent. (Check Applicable Box)
, ` n // i� I
Adjustable Rate Rider R I t U Condominium Rider
Graduated Payment Rider 4 Rider� v Second Home Rider
Balloon Rider n U Biweekly R u Planned Unit Development Rider
Others)(specify <.)
SIGNING BELOW,Borrower accepts arid a urns and stilethed In this Security Instrument and in any riders)
executed by Borrower and recorded with n. \,/_
Signed,sealed and delivered in the presence of: ///1
Witness Signature: a•.'. ._l�.� Signature., s,
. .,
Witness Print Name: . i s e Signature:
' Borrower ROSAURA VILL NUEVA
Witness Signature: dom. _ _ <�
L
Witness Print Name: c .] 1]e'nt-ri Address: 1601 Bth Ave.
Inanokalee, Florida 34142
STATE OF_Flonda_
COUNTY OF Collier
I hereby certify that on this day,before me,an officer duty authorized in the state aforesaid and in the county aforesaid to take
acknowledgements,personally appeared JUAN a ROSAURA VILLANUEVA to me known to be the person(s)described in and who
executed the foregoing instrument and acknowledged before me that HE/SHE/THEY executed the same for the purpose therein expressed.
WITNESS my hand and official seal in the County and State{aforesaid this September 4,2002.
My Commission Expires:
otary Publlc'r Lure.
r
Notary's Printed Name
(SEAL)
/r % LAUREN 1.11EARD
If MY C9MMtsua.•ct m t T
ExpiRES,1NiUSOC2
MP
IJOPx•NOTAxV Fla Newry s 'a.. . co
Packet Page -1476-
...o.ed.wp
1/13/2015 16.D.11 .
Prepared by:Mandy Moody
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 Juan & Rosauara Villanueva, husband and wife, to COLLIER COUNTY,
recorded on 10/08/2002 in Official Records Book 3126, Page 1092, of the Public Records of Collier
County, Florida, securing a principal sum of 515,000 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 -
, 2015,Agenda Item Number
ATTEST: BOARD OF COUNTY COMMISSIONERS
DWIGHT E. BROCK,CLERK OF COLLIER COUNTY, FLORIDA
By: By:
,DEPUTY CLERK TOM HENNING,CHAIRMAN
Approval for form and legality:
Jennifer A. Belpedio I yA°.
Assistant County Attorney % LI V
\Z'
Packet Page-1477-
MD: 3186177 OR: 3294 PG: 1122 _--- ____ _.
IILAID TITLU NUM AGUUCT I RICOIDID Is the OFFICIAL IICOIDS of COLLII 1/13/2015 16.D.11 .
• FICI FP 15/11/1113 at 11:56M1 DYNR I. MCI, CL... DOC-,35 11,51
SECOND MORTGAGE
THIS SECOND MORTGAGE("Security Instrument")is given on May ,2003 The Second Mortgagor is
Arnold 8 Angelette Augustin,Husband and Wife
('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, *275, Naples,
Florida 34014 . Borrower owes Lender the sum of Five Thousand and No/100th. Dollars(U.S.S 5,000.00 ).
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 . This Security Instrument secures to Lender:(a)the repayment of the debt evidenced by the Note,with
interest,and all renewals,extensions and modifications;(b)the payment of at other sums,with interest advanced under paragraph 7 to protect
the security of the Security Instrument;and(c)the perfomlance of Borrowers 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
Collier County,Florida.
As more particularly described as Lot 19,Block 11,Naples Manor Annex,Collier County,Florida and which has the address ot:
('Property Address'): 5374 Sholt. Street, Naples, Florida 34113
TOGETHER WITH at 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. All replacements
and additions shall also be covered by the Security Instrument. All of the foregoing is referred to in this Security Instrument as the'Property'.
BORROWER COVENANTS that Borrower is lawfully seized of the estate hereby conveyed and has the right to mortgage,grant and
convey the Property and that the Property is unencumbered,except for encumbrances of record. Borrower warrants and will defend generally
the title to the Property against all claims and demands,subject to any encumbrances of record.
THIS SECURITY INSTRUMENT combines uniform covenants for national use and non-uniform covenants with limited variation by
jurisdiction to constitute a uniform security instrument covering real property.
UNIFORM COVENANTS. Borrower and Lender covenant and agree as follows:
1. Payment of Principal and Interest;Prepayment and Late Charges. Borrower shall promptly pay when due the principal of and
interest on the debt evidenced by the Note.
2. Taxes. The Mortgagor will pay all taxes.assessmen wernts or water rates prior to the accrual of any penalties or interest
thereon. i Y,�i '
The Mortgagor shall pay or cause to be paid,as th 9frei_�due,(A)(1)all taxes and governmental charges of any
kind whatsoever which may at any time be lawfully ass�s"'sed-o1evied against on tttl fspect to the Property,(2)all utility and other charges,
including"service charges',incurred or imposed fpf e:operation,maintenance,use;\pdt'upancy,upkeep and improvement of the Property,and
(3)all assessments or other governmental charges that Ily be paid in installments otter a period of years,the Mortgagor shall be
obligated under the Mortgage to pay or cause to be paid' y_such mstailments'as are reQuired to be paid during the term of the Mortgage,and
shall,promptly after the payment of any of the,foregoing,`torwartiito,Mon(gagee evidence ot;suctr,,payment.
3. Application of Payments. Unle6s app)ieebte4aw• .o`yide rerwi -at nts received by Lender shall be applied:first,to
interest due;and,to principal due;and last,tO any�atecharges dui undair WO Note
4. Charges;Liens. Borrower shall pay all taxes,assessinerjt4, es;;(ne a. jm sitions attributable to the Property which may
attain priority over this Security Instrument,aifQ'leadeh'old;AYrpeofsyi grorld rent sy,.d arty.f ✓ wer shall promptly furnish to Lender all
notices of amounts to be paid under this paragraph' and alt receipts evidencing the payments
Borrower shall promptly discharge all,Jie f`which has priority over thi jSecufity la'S urnient unless Borrower.(a)agrees in writing to
the payment of the obligation secured by the IieYi-jira`manner acceptable to Letifdrrr;(b)contests in good faith the lien by,or defends against
enforcement of the lien in,legal proceedings whicf1' Jhe Lender's opinion ooeratevopreventAhe enforcement of the lien:or(c)secures from
the holder of the lien an agreement satisfactory to`Lantiet shbordinating the lien to .Sec(mty Instrument. If Lender determines that any part
of the Property is subject to a lien which may attain pnorityrover,the Security Instrarrybgtkender may give Borrower a notice identifying the lien.
Borrower shall satisfy the lien or take one or more of the•i ctio�3?seton¢.abr w)th(p'10 days of the giving of notice.
6. Hazard or Property Insurance. Borrower shall-keeg.the improvemen s now existing or hereafter erected on the Property 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 shall be chosen by Borrower subject to Lender's approval which shall not be unreasonably withheld. II Borrower tails 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 limes that the Note is outstanding,the Mortgagor shall 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,it appropriate),with a uniform standard extended
coverage endorsement,including debris removal coverage. Such insurance at all times to be in an amount not less than the full replacement
cost of the Premises,exclusive of footings 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. If 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 tamer and Lender. Lender may make proof of loss 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 riot
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. It Borrower abandons the Property,or does not answer within 30 days
a nonce 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 penod
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,Borrower's right to any insurance policies and proceeds resulting 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.
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 Properly 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,allow the Property to deteriorate,or commit waste on the
Properly. 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 secunty
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 Lenders 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 tailed 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. If this Security in.rn,T.�,k'...'a'..,....u.,.,., o^rrower shall comply with all the provision of the lease.
11 Borrower acquires fee title to the Property,the leaseh Packet Page -1478-3e unless Lender agrees to the merger in writing.
4.
nR! 17QL An. 119
1/13/2015 16.D.11 .
7. Protection of Lenders Rights In the Property. If Borrower fails to perform the covenants and agreements contained in this
Security Instrument,or there is a legal proceeding that may significantly affect Lenders rights in the Property(such as a proceeding in
bankruptcy,probate,for condemnation or forfeiture or to enforce laws or regulations),then Lender may do and pay for whatever is necessary to
protect the value of the Property and Lenders 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'fees 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. If 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,it 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 pay the premiums required to maintain mortgage insurance in effect,or to provide a loss reserve,until the requirement for
mortgage insurance ends in accordance with any written agreement between Borrower arid Lender or applicable law.
9. Inspection. Lender or its agent may make reasonable entries upon and inspections of the Property. Lender shall give Borrower
notice at the time of or prior to an Inspection specifying reasonable cause for the inspection.
10. Condemnation. The proceeds of any award or claim for damages,direct or consequential.in connection with any condemnation
or other taking of any part of the Property,or for conveyance in lieu of condemnation,are hereby assigned and shall be paid to Lender. In the
event of a total taking of the Property,the proceeds shall be applied to the sums secured by this Security Instrument,whether or not then due,
with any excess paid to Borrower. In the event of a partial taking of the Property,in which the fair market value of the Property immediately
before the taking Is equal to or greater than the amount of the sums secured by this Security Instrument immediately before the taking,unless
Borrower and Lender otherwise agree in writing,the sums secured by this Security Instrument shall be reduced by the amount of the proceeds
multiplied by the following traction:(a)the total amount of the sums secured immediately before the taking,divided by(b)the fair market value
of the Property immediately before the taking. Any balance shall be paid to Borrower. In the event of a partial taking of the Properly in which
the lair market value of the Property Immediately before the taking is less than the amount of the sums secured immediately for the taking,
unless Borrower and Lender otherwise agree in writing or unless applicable law otherwise provides,the proceeds shall be applied to the sums
secured by this Security Instrument whether or not the sums are then due. 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 paragraphs 1 or change
the amount of such payments.
11. Borrower Not Released,Forbearance By Lender NdLdiNelver. Extension of the time for payment or modification of
amortization of the sums secured by this Security Instrume yybej Y's,any successor in interest of Borrower shall not operate to
release the liability of the original Borrower or Borrowers-Sudeeleo� rider shall not be required to commence proceedings
against any successor in interest or refuse to extend,tirrpe.;tor�pasrmant or othe kiSft amortization of the sums secured by this Security
Instrument by reason of any demand made by the ,r`girjat-Borrower or Borrower's s ors in interest. Any forbearance by Lender in
exercising any right or remedy shall not be a waiver or et preclude the exercise of anylight oieemedy.
12. Successors and Assigns Bound;Joldt iii ewralliabilty;.Co-Slgners. The covenants and agreements of this Security
Instrument shall bind and benefit the successors andass)6Tls o$Lender.and t3orrpwer,subject lb the
Provisions of paragraph 17. Borrower's coverfantseryd-a mterrhaTg4hatIbegoiot andAQveral. Any Borrower who co-signs this Security
Instrument but does not execute the Note;(ails cq ig this$edun'ty trn#d�m4ntor�l1yyfro mortgage,grant and convey that Borrower's interest
in the Property under the terms of this Security Instrument;(b)i4 not perigon'ally-dbl)gatcd to pay the sums secured by this Security Instrument;
and(c)agrees that Lender and any other Borrmetkakstoietkeitsykl,imlidity,forbear or jrialcg'any accommodations with regard to the terms
of this Security Instrument or the Note withoui,tpat Borrowers consent. sr
13. Loan Charges. If the loan secuftbx this Security Instrument is subject to a law which sets maximum loan charges,and that
law is finally Interpreted so that the interest or ath n charges collected or-td,ie ccRlecte l,,Connection with the loan exceed the permitted
limits,then:(a)any such loan charge shall be red `try the amount necessary to redutetthe'charge to the permitted limit;and(b)any sums
already collected from Borrower which exceeded peeietted limits will be refunded to t3orrewer. Lender may choose to make this refund by
reducing the principal owed under the Note or by makirf9.e.direc`payment to Berrowee..i•1f a refund reduces principal,the reduction will be
treated as a partial prepayment without any prepayment charge udder-the-Ndte N...7 j
14. Notices. Any notice to Borrower provided fdriiitKns$ecuntytilgsthuinent shall be given by delivering it or by mailing it by first
class mail unless applicable law required use of another method-The-notice hall be directed to the Property Address or any other address
Borrower designates by notice to Lender. Any notice to Lender shall be given to Borrower or Lender when given as provided in this paragraph.
16. Governing Law;Severebility. This Security Instrument shall be governed by federal law and the law of the jurisdiction in which
the Property Is located. 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.
18. Borrowers 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. If all or any part of the Property or any interest in it is 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 potion,require immediate payment in full of all sums secured by this Security Instrument. However,this option shall
not be exercised by Lender I'exercise Is prohibited by federal law as of the date of this Security Instrument.
If 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 fails to
pay these sums prior to the expiration of this period,Lender may invoke any remedies permitted by this Security instrument without further
notice or demand on Borrower.
18. Borrower's Right to Reinstate. II 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 riot limited to,reasonable attorney's 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 continuo unchanged. Upon reinstatement by Borrower,this Security Instrument and the obligations
secured hereby shall remain f ully 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 Security 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 govemmental 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 gm , any removal or other remediation of any
Packet Page -1479-
24.4 /ir '°
• ' , *** nn. 91AA nr_. 111A *AA
1/13/2015 16.D.11 .
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 Borrowers 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 sums secured by this Security Instrument,foreclosure by judicial proceeding and sale of the Property. The notice shall
further Inform Borrower of the right to reinstate after acceleration and the right to assert in the foreclosure proceeding the non-existence of a
default or any other defense of Borrower to acceleration and foreclosure. If the default is not cured on or before the date specified in the notice,
Lender,at its option.may require immediate payment in full of all sums secured by this Security Instrument without further demand and may
foreclose this Security Instrument by judicial proceeding. Lender shall be entitled to collect all expenses incurred in pursuing the remedies
provided in this paragraph 21,including,but not limited to,reasonable attorney's fees and costs of the title evidence.
22. Release. Upon payment of all sums secured by this Security Instrument,Lender shall release this Security Instrument,without
charge,to Borrower. Borrower shall pay any recordation costs.
23. Attorneys'Fees. As used In this Security Instrument and the Note,'attorneys'fees'shall include any attorneys'fees awarded by
an appellate court.
24. Riders to this Security Instrument. If one or more riders are executed by Borrower and recorded together with this Security
Instrument,the covenants and agreements of each such rider shall be incorporated into and shall amend and supplement the covenants and
agreements of this Security Instrument as if the rider(s)were a part of this Security Instrument. (Check Applicable Box)
❑Adjustable Rate Rider ❑Rate Improvement Rider ❑Condominium Rider
❑Graduated Payment Rider ❑1-4 Family Rider ❑Second Home Rider
❑Balloon Rider ❑Biweekly Payment Rider ❑Planned Unit Development Rider
❑Other(s)(specify
SIGNING BELOW, '• .w: acc:•ts and agrees to the terms and covenants contained in this Security Instrument and in any rider(s)executed
by Borrower.nd r ord with it.
Signed, 44E.:tiered the pre-:nce of:
Witn •-I �1\/ ��% r :w. .. t✓1
.• Q Borrower t� old Aupustin�
Signs• :: f r .,g aA i \\\�
� �p J
Witness#2:`i.w�S�� ' Ill I11 '• - . , , • •f • g .
' t / • =oro -e •gslstts Au• •e in
Signal ..' 4• • 6 B $ Ø ♦ ,`i►� Ztj.)str.at 4 •. z'$, 537''
n N •' si. . ID,Lorida 34113
STATE OF FL IDA `
COUNTY OF( f `O�
I hereby certify that on this day,before me, ' my authorized t!-aforesaid and in the county aforesaid to take
acknowledgements,personally appeared Arnold&Angela �� astlCta irl irdwn to be the person(s)described in and who executed the
foregoing instrument and acknowledged before me that(He/she/t ,•)ex uled the same for the purpose therein expressed.
WITNESS my hand and official seal in the County and Stet: .,4 id th' day 1'._ . •20x3 .
f
My Commission Expires: 7"`. —
NoAW•lic's Signature
N' `lESt Notary's Printed Name
OAWIWZINt pi 09 2005 :
' tg OM
•
011+++ "x`' •
File#: 03-189
Packet Page -1480-
1/13/2015 16.D.11.
Prepared by:Mandy Moody
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 Arnold Augustin to COLLIER COUNTY, recorded on 05/19/03 in Official
Records Book 3294, Page 1122, of the Public Records of Collier County, Florida, securing a principal
sum of $5,000 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 -
, 2015,Agenda Item Number
ATTEST: BOARD OF COUNTY COMMISSIONERS
DWIGHT E.BROCK,CLERK OF COLLIER COUNTY, FLORIDA
By: By:
,DEPUTY CLERK TOM HENNING,CHAIRMAN
Approval for form and legality:
Jennifer A. Belpedio
County Attorney v,IP\�
Packet Page-1481-
1/13/2015 16.D.11 .
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