Agenda 02/11/2014 Item #16D 1 2/11/2014 16.D.1 .
EXECUTIVE SUMMARY
Recommendation to approve three (3) mortgage satisfactions for the State Housing Initiatives
Partnership(SHIP)loans in the combined amount of$23,000.
OBJECTIVE: To support the affordability of housing in Collier County through a downpayment and
rehabilitation assistance program for income qualified families.
CONSIDERATIONS: The State Housing Initiatives Partnership Program (SHIP), a state affordable
housing program, offers assistance to first-time homebuyers for use toward downpayment, emergency
repair and/or rehabilitation. 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 three SHIP mortgages that have been repaid in full. As
such, satisfactions of mortgages are required.
File Name Security Mortgage Payoff Public Record
Number Instrument Amount Amount
98-040R Audrey R. SHIP Second $15,000.00 $15,000.00 OR Book 2704
Henson Mortgage PG 2667
09-158 Adriana SHIP Second $ 3,000.00 $ 3,000.00 OR Book 4667
Avila*(Russo) Mortgage PG 2472
03-025 Felipe P. Gomez SHIP Second $ 5,000.00 $5,000.00 OR Book 3105
&Roselina M. Mortgage PG 3032
Pablo
Total $23,000.00 $23,000.00
*client is listed as A. Russo in SAP backup documentation
Once executed the mortgage satisfactions will be recorded in the Public Records of Collier County,
Florida.
FISCAL IMPACT: The repaid amount of $23,000.00 is considered program income and has been
deposited in SHIP Grant fund 791, Project 33258. Such funds may be reused for eligible SHIP program
activities.
LEGAL CONSIDERATIONS: This item has been approved for form and legality and requires a
majority vote for Board action. —JAB
GROWTH MANAGEMENT IMPACT: There is no growth management impact associated with this
item.
RECOMMENDATION: That the Board of County Commissioners approves and authorizes the
Chairman to sign three (3)mortgage satisfactions for owner-occupied affordable housing units for which
repayment in full of SHIP funds has been provided to Collier County.
Prepared By: Wendy Klopf, Operations Coordinator, Housing, Human and Veteran Services
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2/11/2014 16.D.1 .
COLLIER COUNTY
Board of County Commissioners
Item Number: 16.16.D.16.D.1.
Item Summary: Recommendation to approve three (3) mortgage satisfactions for the
State Housing Initiatives Partnership (SHIP) loans in the combined amount of$23,000.
Meeting Date: 2/11/2014
Prepared By
Name: KlopfWendy
Title: Operations Coordinator,Housing,Human&Veteran Se
1/6/2014 9:33:35 AM
Submitted by
Title: Operations Coordinator,Housing,Human &Veteran Se
Name: KlopfWendy
1/6/2014 9:33:37 AM
Approved By
Name: KushiEdmond
Date: 1/10/2014 2:15:4.5 PM
Name: GrantKimberley
Title: Interim Director
Date: 1/13/2014 10:08:49 PM
Name: Bendisa Marku
Title: Operations Analyst,Wastewater
Date: 1/14/2014 8:27:26 AM
Name: DoriaPriscilla
Title: SHIP Loan Processor,Housing,Human &Veteran Servi
Date: 1/14/2014 9:34:57 AM
Name: SonntagKristi
Date: 1/16/2014 3:05:30 PM
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2/11/2014 16.D.1 .
Name: TownsendAmanda
Title: Director-Domestic Animal Services,Domestic Anima
Date: 1/27/2014 12:21:15 PM
Name: AlonsoHailey
Title: Operations Analyst,Public Service Division
Date: 1/27/2014 3:18:12 PM
Name: RobinsonErica
Date: 1/28/2014 10:10:50 AM
Name: CarnellSteve
Title: Administrator-Public Services
Date: 1/28/2014 10:36:40 AM
Name: BelpedioJennifer
Title: Assistant County Attorney,County Attorney
Date: 1/30/2014 9:27:18 AM
Name: StanleyTherese
Title: Management/Budget Analyst, Senior, Grants Management Office
Date: 1/30/2014 4:05:26 PM
Name: KiatzkowJeff
Title: County Attorney,
Date: 1/31/2014 1:29:05 PM
Name: FinnEd
Title: Management/Budget Analyst, Senior, Transportation Engineering&Construction Management
Date: 1/31/2014 4:34:14 PM
Name: OchsLeo
Title: County Manager, County Managers Office
Date: 2/4/2014 10:48:07 AM
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2/11/2014 16.D.1 .
Prepared by: Wendy Klopf
Collier County
Housing,Human&Veteran 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 Adriana Avila to COLLIER COUNTY, recorded on July 1, 2009 in Official
Records Book 4467,Page 2472, of the Public Records of Collier County, Florida, securing a principal
sum of$3,000.00 and certain promises and obligations set forth in said Mortgage, upon the property
described in the aforementioned mortgage.
COLLIER COUNTY hereby acknowledges full payment and satisfaction of said Mortgage, and
surrenders the same as cancelled, and hereby directs the Clerk of said Circuit Court to cancel the same of
record.
This Satisfaction of Mortgage was approved by the Board of County Commissioners on -
,2014,Agenda Item Number
ATTEST: BOARD OF COUNTY COMMISSIONERS
DWIGHT E. BROCK,CLERK OF COLLIER COUNTY,FLORIDA
By: By:
,DEPUTY CLERK
Comm.Tom Henning
Chairman
Approved for form and legality:
Jennifer A. Belpedio (�„
Assistant County Attorney �/
A`
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INSTR 4314510 OR 4467 PG 2472 RECORDED 7/1/2009 4:29 PM PAGES 3 2/11/2014 16.D.1 .
DWIGHT E. BROCK, COLLIER COUNTY CLERK OF THE CIRCUIT COURT
DOC @,35 $10.50 REC 527.00
OBLD 13,000.00 OBLI $0.00
Prepared by Lisa Carr
Collier Co. Housing & Human SECOND MORTGAGE
Services
TSeEOD MTT MNaiy i
nai 43 on 2Lday of C11ng--- ,2009. The Second Mortgagor is:
Adriana Avila,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 E. 'remised Trail, Naples, Florida 34112 .
Borrower owes Lender the sum of Three Thousand and 00/100 Dollars (53,000.00). 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,
L If not paid earlier,due and payable on sale of property, refinance, or loss of homestead exemption .
'O This Security Instrument secures to Lender.(a)the repayment of the debt evidenced by the Note,with interest,and all renewals,extensions
-c r and modifications;(b)the payment of all other sums,with interest advanced under paragraph 7 to protect the security of the Security
i:M Instrument;and(c)the performance of Borrower's covenants and agreements under this Security Instrument and the Note. For this purpose,
r J Borrower does hereby second mortgage,grant and convey to Lender the following described property located in Collier County,Florida.
• u As more particular! described as Golden Gate Est,Unit 18 W105F1�OF TWest 105, ollie Coupest
y Plat Book 7 r Page 77-78 County,Florida and which has the address of
A�(-Property Address'): 190 Jung Blvd, Naples, FL 34120
tit i TOGETHER WITH all the improvements now or hereafter erected on the property,and all easements,rights,appurtenances,rents,
1"7,t,,..,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
- ivl Security additions shall also be covered by the Serity Instrument All of the foregoing is referred to in this Security Instrument as the"Properly'.
s/ BORROWER COVENANTS that Borrower is lawfully seized of the estate hereby conveyed and has the right to mortgage,grant and
,c,-.,or convey the Property and that the Property is unencumbered,except i• .- brances of record. Borrower warrants and will defend generally
1 a c the title to the Property against all Maims and demands,sub•. , •iy,.��*� s of record.
j 3 THIS SECURITY INSTRUMENT combines un'.+ �. il•�4 • - and non-uniform covenants with limited variation by
�6 t jurisdiction to constitute a uniform security instnimen =`1 property.
UNIFORM COVENANTS. Borrower and • -• nant and agree as fo
'(ii.,f 1. Payment of Principal and Interest ent and Late Charges. B• • - all promptly pay when due the principal of and
f Ai-interest on the debt evidenced by the Note. l ■
2.Taxes.The Mortgagor will pay all as .s ,.. r rents• water tea ' r to the accrual of any penalties or interest
) thereon.
The Mortgagor shall pay or cause to• a t 1+ ` 47-,(A)1)all taxes and governmental charges of any
• kind whatsoever which may at any time be la sad•r� to Property,(2)all utility and other charges,
j including"service charges",incurred or impos '°'49" • ley, • eep and Improvement of the Property,and
- (3)all assessments or other governmental y I. • ' • , :period of years,the Mortgagor shall be
obligated under the Mortgage to pay or cause t •. •-id only such installm be paid during the term of the Mortgage,and
shall,promptly after the payment of any of the •Vi4.1.forward to Moegeg - • . `, payment.
3.Application of Payments. Unless le law provides otherwi- s received by Lender shall be applied;first,to
interest due;end,to principal due;and last,to any es due under the Note.4.Charges;Liens. Borrower shall pay 1 sments,cha '^ •impositions attributable to the Property which may
attain priority over this Security Instrument and leaseho s• ,c; is,', ny. Borrower shall promptly furnish to Lender ell
notices of amounts to be paid under this paragraph,and all�==� 'i-, : •.',,'•- •ayments.
Borrower shall promptly discharge any lien which has pn• us 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 ken 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,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 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 3D 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;Borrowers 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 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,allow the Property to deteriorate,or commit waste on the
Property. Borrower shall be In default If any forfeiture action or proceeding,whether civil or criminal,is begun that in Lender's good faith
judgment could result in forfeiture of the Property or otherwise materissNy 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 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
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OR 4467 PG 2473 2/11/2014 16.D,1 .
•
loan application process.gave materially false or inaccurate information or statements to Lender(or failed to provide Lender with any material
information)in connection witth 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 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. 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 tiro Properly to make repairs.
Although Lender may take action under this paragraph 7,Lender does not have to do so. My 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 en 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,it 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.
8. 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 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 s - , -•lately before the taking,divided by(b)the fair market value
of the Property immediately before the taking. Any balance . •-• r• -r. In the event of a partial taking of the Property in which
the fair market value of the Property immediately befo- ,•. •• •• t of the sums seared immediately for the taking,
unless Borrower and Lender otherwise agree in writi•• •y applicable law•r,-• ' - •rovides,the proceeds shall be applied to the sums
secured by this Security Instrument whether or no •t••s are then due. Unless►- ••Borrower otherwise agree in writing,any
application of proceeds to principal shall not ext- d or•• m, - -due date of the mo hly ems referred to in paragraphs 1 or change
the amount of such payments. ---...
11. Borrower Not Released,Forbe ran- = No elver.Extensio of time for payment or modification of
amortization of the sums secured by this Se- 'ty I L, eso in interest of Borrower shall not operate to
" 44,,,,- - T i�Si no,be required to commence proceedings release the liability of the original Borrower or:• •j s 3 req g
against any successor in interest or refuse to-•,- ,,e � yid., a • ation of the sums secured by this Security
Instrument by reason of any demand made• •-•I . :•• r =• •`• rs s;- so.' •terest. My forbearance by Lender in
exercising any right or remedy shall not be a - o • •red •, •e e -'•r--of a '-• I... edy.
12. Successors and Assigns Boon• • and Several Liability,,roSl.ne -covenants and agreements of this Security
instrument shall bind and benefit the successo- . ssigns of Lender and= '- r a the
Provisions of paragraph 17. Borrowers covens •-. • reements shall be jot .• ,M�/Any Borrower who co-signs this Security
Instrument but does not execute the Note:(a)is-• his Security Instrumen .a•ortgage,grant and convey that Borrowers interest
in the Property under the terms of this Security Instru•* 1a of personall , T pay the sums secured by this Security Instrument
and(c)agrees that Lender and arty other Borrower may-•, ,.i. , ,.t• . .r or make any accommodations with regard to the terms
of this Security Instrument or the Note without that Borrows - r,.
13.Loan Charges. If the loan secured by this Security n- • -n 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 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;Severablllty. 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 effect 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 for if a beneficial interest in Borrower is sold or transferred end Borrower is note 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
riot 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 tc,reasonable attomey'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 Properly and Borrower's obligation to pay the sums
secured by this Security Instrument shall continue unchanged. Upon reinstatement by Borrower,this Seamy 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 ore 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 wilt 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
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••• OR 4467 PG 2474 ••* 2/11/2014 16.D.1 .
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 remediatbn 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 trade petroleum products,toxic pesticides and herbicides,volatile
solvents,materials containing asbestos or formaldehyde,and
radioactive materials.As used in this paragraph 20."Environmental Lave 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 data,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 end 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 shad 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 shad 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)
0 Adjustable Rate Rider 0 Rate Improvement Rider 0 Condominium Rider
o Graduated Payment Rider 0 1-4 Family Rider 0 Second Home Rider
0 Balloon Rider 0 Biweekly Payrne. k.,R C41111 " -nned Unit Development Rider
❑Other(s)(specify
SIGNING BELOW,Borrower accepts and agree to N - -• nants contain ' th,. --city Instrument and in any rider(s)executed
by Borrower and recorded with it. -
Signed,se and delivered in the presence .f: t
•
Witnesse1: �� l s f s o• t/ j . .. r\. Avil
Signature: l:i. . (\ IrN 1 1IIj
WMessit2 . . 'TL Signature: -'
/ • Co-Borrower— •
Signature: /J 'S■/ \rrj�d uag Blvd
`� aplea, 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 Adrian Avila 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 afo s it this ZL day of ""u AL .20 O S .
My Commission Expires:
Notary ies Signature
(Seal)
Notary's Printed Name
{e ROGBiY1 now
Ny OOSa4s:ON 1 OO f0131 S
aximitsvaarwAffirusarialsw
Fite#: 09-158
THIS MORTGAGE IS GIVEN TO COLLIER COUNTY AND IS EXEMPT FROM PAYMENT
OF INTANGIBLE PERSONAL PROPERTY TAX PURSUANT TO SECTIONS 420.513 AND
.199.183 FLORIDA STATUTES.
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2/11/2014 16.D.1 .
Prepared by: Wendy Klopf
Collier County
Housing.Human&Veteran Services
3339 E.Tamiami 1 rail
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 Felipe P. Gomez & Roselina M. Pablo to COLLIER COUNTY, recorded on
September 9, 2002 in Official Records Book 3105,Page 3032, of the Public Records of Collier County,
Florida, securing a principal sum of $5,000.00 and certain promises and obligations set forth in said
Mortgage, upon the property described in the aforementioned mortgage.
COLLIER COUNTY hereby acknowledges full payment and satisfaction of said Mortgage, and
surrenders the same as cancelled, and hereby directs the Clerk of said Circuit Court to cancel the same of
record.
This Satisfaction of Mortgage was approved by the Board of County Commissioners on -
, 2014, Agenda Item Number
ATTEST: BOARD OF COUNTY COMMISSIONERS
DWIGHT E. BROCK, CLERK OF COLLIER COUNTY, FLORIDA
By: By:
, DEPUTY CLERK Tom Henning, Chairman
Approved for form and legality:
Jennifer A. Belpedio
Assistant County Attorne■' �C
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AM: �Oo aa O� � 0 ?/11/2014 16.D.1
`� `MAID t2t1t GDt:7Kty awC7 I aeco�a� t lcuco c lie COMM ft .
• PICK 0f 0t05/2001 at 07:ltL14'YIGR4 K, 'ROCK, MIRE '
OM 5000.00
. - BSCOND IORTOAGE . 0014 5000,00
tut t[7 :4.00
DOC•,35 IT.50
THIS SECOND MORTGAGE('5ecurity Instrument')le given on Auous��2002 The Second Mortgagor is:
'Felipe P.Gomez it Routine M.Pablo,Husband and Wile
('8orrowor'). This Security Instrument is.green lo- Collier County (•Lender'),which is unpaired and existing under
the laws of the United States of America,end whose address is 3050 North 8oressheos Dries, 0275, Sepias,
Florida 34014 , $otrower owee-,ender the sum of Tie 'thousand end No/100th. Dollars(U.S.S 5,000.00 ).
This debt Is evidenced by Borrowers Note dated the same date as this Security Instrument("Second Mortgage'),which provides for moitv),
payments,with the full debt,If not paid earlier,due and payable On' sale of property, refinance, or loss of '
homestead exasptiea . This Security Instrument secures to Lender(a)the repayment of the debt evidenced by thee Note.with
interest,and all renewals,extensions end 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 performance of.Bom*wers covenants and agreements under this Security Instrument and
•the Note, For this purpose,Borrower does hereby second mortgage,grant and convey to Lender the fottowing described prcperty located,n
Collier County,Florida.
As more particularly described as Lot 20,Bieck A,Naples Habitat,Comfier County,Florida and which has the address of:
('Property-Address'): 32100 Sitterley Street, Nieplas, Pierida 34113
TOGETHER WITH all the Improvements now or hereafter erected on the property,and all easements,rights,appurtenances,rents,
royattlea„mineral,oil and gas rights:and prof te,.water rights and stick anal sit fixtures now or hereafter a pan of the propert,/ As replacements
and additions shall also be covered by the Security instrument. As of the foregoing IS'Veered to in this Security Movement as the'Property,
BORROWER COVENANTS that Borrower to 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 01 record, Borrower warrants and will defend generaay
the flue to me Property against all claims and demands,eublect to any encumbrances of record.
THIS SECURITY INSTRUMENT combines uniform covenants for national use and noreuntform covenants With limited variation by
)urtsdlotion to constitute a uniform security instrument covering real property.
. -UNIFORM COVENANTS.:Borrower and Lender covenant:and agree as follows:
1, Payment of Principal'en¢Intelsat;;Prepayment indi cte Charge'..Borrower shall promptly pay when due the principal of and
Interest on titre debt evidenced by the Note.
' • 2. Taxes. The Mortgagor wilt pay.all taxes,assesamant vrar rents or water rates prior to the accrual of any penaahas or interest
thereon. The Mortgagor;hall pay or cause to be pald,,aa Me,3 m fg wore due,(A)(1)all taxes and governmental charges of any
kind whatsoever which may at any time be lawfully ar4aaneile4vied agalnistot Nitiweepect to the Progeny,(2)co utility and other charges.
Including'service charges',incurred or lmpcuedkrttplaperatbn,maintenance.t*„/ccupenny,upkeep and improvement of the Progeny,and
(3)all assessments or other governmental cha es that may fewfuduy.be paid in instell,ne nts'over a period of years,the Mortgagor snag be
obligated under the Mortgage to pay or cause,to be only suchinste5tnents as are required to be paid during the teem of the Mortgage,and
shall,prornptty aher the payment of any of thb'tore ofd nl%Fv a to'Mortgegaelvtdenceof such payment.
3. Application of Payments..Untiess apptk,,2,We ter+. l l me received by Lender shall be applied:first.to
Inteniit due:and,to prinolpal duel and eat,pd erg 1et,s ch.ggee ells ,,�e lf C�s /- i '
'• 4. Charges;Liens. Borrower sf pay ausaxatro a*sslrnrie rs,,rtner ieb,Itr4s and Impositions attributable to the Property which may
attain=prionty over this Security Instrument,af+d letubittglafif>4ymettteere sn6 If any,i.Botrower shall promptly furnish to Lender as
• notices of amounts to be paid under this palm:reih,ln:falt rebtnpti a Tapmsl '/
Borrower shalt:promptly discharge artydlan*hlch has priority over SecuriteAnatrumment unless Borrower,(a)agrees in witting to
the payment of the obligation secured oy the ketosis meaner acceptable totrooder,ObtAotineits in good lath the lien by,or derends against
enforcement of tin Benin,legal proceedings vrtueborottie Lenders opinien oeirate.toprevertt the enforcement of the hen:or tc)secures fowl
the holder of the Oen an agreement sauafactory to.Lander subordinating the lion to thls Seiutity Instrument. it Lender determines that any part
of the Properly is subject to a lien which.may atteirrpitoOkyowt Its SecwityiastemetinteLender may give Borrower a notice kimrtllyirg the ken
Borrower shall'satisty'the lien or take one or more of OtteedensTearttottOlteeretedthitti 10 days of the giving of notice.
5. Hazard or Property Stamence. Borrower shaluirrefi]hi„miptbys nents now existing or hereafter erected ort the Property insured
• against loss by tire,hazards Included within the term OutendedIdeeregir rid any other hazards,mctudrng100es or sodding,for which Lenner
requires Insurance. This insurance shell be malntamedin the arnounra and for the periods that Lender requites. The insurance career
providing the insurance shall be chosen by Borrower subject to Lerdefs approval which shall not be unreasonably withheld. It Borrower fairs to
metntaincoverape dewnbed above,Lender may at Lenders option,obtain coverage to protect Lenders rights in the Progeny in accordance
with paragraph 7. At,all times that the Note is outstanding,the Mortgagor shall maintain Insurance with respect to the Premises against sum risks end for such amounts as era customarily insured against and pay,oaths same become due and payable,all premiums in respect the wro.
including,butmot limited to,auonsk Insurance protecting the Interests Of the Mortgagor and Mortgagee against toss or damage to the Premiset
by fire,lightning,'and other ceausities customarily ineuretl'apainst.(Inclutting boiler explosion,it appropriate).with a uniform standard extended
coverage endorsement,including dabrit.removal coverage. Such insurance et all times to be in an amount not less than the full replecemant
cost of the-Premises,exclusive of'tootirtgs and foundations.
An Inavrance 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 shell promptly give to Lender all receipts of paid premiums and renewer
• notices. In the event of loss,Borrower shalt give prompt nonce to the insurance carrier and Lender, Lender may make proof of k•ss it not made
promptly by Borrower.
Unitas Lender and Borrower otnerwlse agree In writing,insurance proceeds shall be applied to restoration or repair at the Property
damaged,If the restoration or repair is economically feasible and Lenders socirrity k:-not lessened, li the restoration or repair is not
economically feasible or Lenders security would be lessened,the insurance procsedsahall be applied to the suns secured by the Security
instrument,whether or not then due,with any excess paid to Borrower. if Borrower.abardons the Property,or does not answer within 30 days
a•nauce Iron Lenderinat the insurance carrier has offered to settle a claim,then Lender may collect the assurance proceeds, Lender may use .
the proceeds to repair orreetore the Property or to pay sums secured by this Security Instrument,whether or not them 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 paagraph I or change the amount of the payments. It under paragraph
21 the Property is acquired by Lender;Borrower's right to arty insurance policies and proceeds resulting from damage to the Property prior to
the acquisition shall pass to Lender to the extant of the sums secured by this Security Instrument immediately prior to the acquisition.
IL Occupancy,Preservation,Maintenance and Protection of the Property:Borrower's Loan Application,t easetwids, Borrouwr shalt
occupy,establish,and use the Property as Borrowers principal residence within sixty Gays atter the execution of this Security Instrument and
• shall Continua to occupy the Property at-Borrowers principal residence for at least one year after the date ci occupancy,,Riess Lender
Otherwise egress In writing,which consent shall not be unreasonably withheld,or antess'extenuatirg circumstance's exist which are beyond
Borrowers control, Borrower shall not destroy,damage or impair the.Property,allow the Property to deteriorate,or ears*waste on the
Property. Borrower shall be in default if any forfeiture euaon or proceeding,whether CND or criminal.is begun that in Lenders good twit
judgment could result In forfeiture tithe Property or otherwise materially impair the lien created by this Security Instrument or Lender's security
interest Borrower nary cure such it default end reinstate,as provided In paragreph.te,by causing the ecdon or proceeding to be dismissed
with a ruling Mist,In Lenders good faith detemmnatIon,precludes forfeiture of the Bor rower's Interest In the Property or other material
. impairment of the lien created by this Security instrument or t.ender's security letterset, Borrower shall also be n default it Genoese,during rime
loan application process,gave materially false or Inaccurate information Or statements to Lender(or failed to provide tender with any material
information)In connection with the loan evidenced by the Note,Includnp,but not smited to,le presentations concerning Borrower's occupancy
Of the Property es a principal residence, M this Security Instrument it on a leasehold,Borrower shall comply with all the prevision of the tease,
If Borrower'equitation tide to the Property,the leateh*td and MOW't tle.shad not nags unless Lender agrees to the merger in writing.
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OR: 3103 PG: 3033
7. Protection of Lenders Rights in the Property, It Borrower faits to perform the covenants and agreements Security Instrument,or there Is a Legal prcos tiding that may significantly effect Lenders tights in the �ntarring in
bankruptcy,probate,for condemnation or tortefture or to.entorce laws or re f Properly isnx h or a whatever in
protect the value of the Property and Lenders rights in Me Props regulations),actions then infuse may do and pay for cur eF vey a necessary to
has pnonty over this Security inatnrment, ing lenders amtto may include pay;rh any sums secured by a ken which
Although Lender may take action under this.appearing in �her' o. °rea^sb rsehe Property to make repairs
paragraph 7 shall become additional debt of Borrower secured by WJa Security Instrument Unless-Borrower a tl and by Lender terser the
of payment,these amounts shall bear interest from the tats of disbursemeM at the Note rate and shall orb w tJ i ogres to other notice
trom•Lender to Borrower requesting payment. n peyabk.wiM nearest upon toffee
8. Mortgage Insumnoar ft Lender required mortgage insurance as a condition of making the loan secured by this Secu;ty
Instrument,BorrouerShal pay the premhtme required to maintain the mortgage mswence in effect. It,for any reason,the rrrortgage insurance
coverage required by Lender lapses or ceases to be in effect Borrower shalt pay the premiums required to obtain coverage substantially
equivalent to the I o mge Insurance e.mortgage erect,at a cost substantially equivalent to the cost to Demmer of the mortgage ensurarw e
available,Borrower shall pay to Lender each a n magi to one tweeth of theaealy ortgaient insurance insurance coverage is not
Borrower when the ineuranoe coverage lapsed or ceased to be in effect. Lender wilt a mortgage and t insurance paymmen as pot re try
in
the emoumortgage and ot the ranee. Loss reserve payments may no Longer be required,,at the option of LLeendder, these mortgage nc a toss reserve
period that Lender requires)provided by an insurer approved by terrier again becomes available le ano is obtained.
inn
Borrower shall pay the premiums required to maintain m 9s loss bsresery ,unt t e are is rrn,r t d
mortgage ineurpnce ende.in accordance with any written agreement between aBrxrowertand Larder reserve,lawi the recu;rerrwre for
e. tnsPectton• Lender or Its agent may make reagent/le entrie upon and inspections of atrte taw.
notice,at the time of or prior to an inspection specilytng reasonable cause for the inspection Property, Lender shalt give borrower
10. Condemnation. The proceeds of any award or claim nor damages,direst or aonsequential,in connection with any condemnation
..or other Laing of any part Of the Property,or to conveyance In lieu of coridemnatton,are herby assigned and shall be paid to Lewder. In the
avant teetotal faking of the Property,the proceeds shell be applied to the sums secured by this
with any excess paid to Borrower, In the event of a partbl taking of the Property.in which the lair market value h'P. ropery not then due,
before the taking to equal to or greater than the amount of the sums scoured by this Security Instrument immediately befog the tak 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)rte fair market value
of the Property lmmedlately before the taking. Any balance shall be paid to Borrower,.In the event of a partial taking of the.f ropeny in tench
• the fair market Willie of:the Property intm�tmy before the taking is less than the amount of the sums secured immediate+)nor the taking,
unrest Borrower and Lender otherwise agree writing or unless eppliceble law otherwise
secured by this Security Instrument whether or not the sums are then due, Unless Lender anted BoBorrrrow r proceeds agree e`pr to the sums
application of proceeds to principal shalt not extend or postpone ttte due date of the monthly ��!writing.any
the amount of such payments. IY patr^+e^�referred to In paragr.tphs I or change
11, Borrower Not Retaseed,Forbearance Bylender Not a We_iver. Eiterision of the time for pa
amortization of the sums secured by this.Seourit instrume a payment or mshe loot a
Y f--Lee emit net in interest of Borrower char not ee"Vs to
ralsese the Ilabtilty of the ongtnal Borrower or t3oyrrovrersd- siB �l,gnpec shalt not be
against any successor in•Intereat or refuse to extend 1 ►no f the signs secured foy this Sec
artla'{sbrpaprtent or Wtetiyharl mQta(y�amarkzakon of the sums secured oY this Security
Instrument by reason of any demand made by the thpt$prrower or Borrowers stIcceeaors in interest. Any forbearance by Lender in
exercising any right or remedy shall not be a waiver ofbrkteciude the exercise of any right or monody.
12, Successors and Assigns Bound`,rt04ni I Bever#lslabl
Instrument shall bind and benefit the successors arxtasegnla d Borrower,subject The covenants and agreements of this Security
Provisions ofpkragraph17. Borrowera.00venanfsa fi r,eve iroans
" �a e atpnl lto M tg Borran a who convey that this Borrowers Instrument but does not execute the iota;(a)is=�dgrling Ibi t �ci
In the Property under the terms of this 8ecunt�r irisfet,mpne{d)tatnopper ' r tv gaga grant cu convoy that unity lets irnerest
and(C)agrees that Lender and any other BortY hist/ha Other rto ey the sums secured by this Secumy Ito the terms
of this Security tentieree it h',totfi9anpr makelMy accommodations with regard to the terms
urity instrument or the Note without threBor oviers care itt,
13, Loan Charges, if the loan securequYhls Security Instrument�t to t'tjt Which sets maximum loan charges,and that
law Is finally interpreted so that the Interest or other en charges collected or retrecreemedre Connection With the loan exceed the permitted
limits,then;(a)any such loan charge Shall be redvdryd jty.the amount necessary'4o'c duesr'fhAlienate to the permitted ltrhIt and(b)any sums
airentfy collected from Borrower Which exceeded permitretternIts will be refunded to,BofroWer. Lender may choose to make this refund by
reducing the principal owed under the Note or by makieezeditect.payment to ?,.ita refund reduces
treatedas a partial prepayment without any prepeymentoharge'Calder. principal,Ma redxnchon writ be
14, Notices, Any notice to Borrower provided tor'ittihi tree .. t /•Mare mail unless applicable law required use of another meted. The notice chaff be directtedd to he Property delivering Ado it s or n add ess
first
Borrower designates by notice to Lender, Any notice to Lender shall be given to Borrower or Lender we ven as pro,ms lo this CetsgraPh,
15. Governing Law;&testability. This Security Instrument shall be governed by federal law end the law of the lurisrectron in winch
the Property is located. In the event that any provision or clause of this Security Instrument or the Nate conferee with applicable taw.such
conflict shell not effect other provision of this Security Interment or the Note which can be given effect without the contlicfnq provisips To
this end the provisions of this Security-Instrument and the Note are declared to be severable. •
18. Borrower's Copy. Borrower snail be given one conformed copy of the Note and of this Security Instrument.
17.'Tahster of the Property or■Beneficial Interest In Sorrows. Ilea or any pan of the Property or any interest in it is said or
transferred for if a benefiatal interest in Borrower is sold or transferred and riorawer Is not a natural person)wmnoul Lenders prior written
consent,Lender may,at Its option,require Immediate payment In full of all sums securedby this Security tnstromenl. However,this opnorr She
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 shalt give Borrower notice of acceleration. The notice shall provide a period of not toss than 30 days
from,the date the notice is delivered or mailed wlthln'whlah Borrower must pay all sums secured by this Security instrument, If Borrower tails to
pay these sums prior to the expiration of this period,Lender may invoke any remednes.perneted by this Security instrument without further
holes or demand on Borrower.
18,'Borrower's Right to Reinstate. if Borrower meets certain conditions,Borrower shall have the light to have enforcement or n s
Security Instrument discontinued at any time prior to the Sariter o!:(s)5 days(or such other period as applicable law may specify for
reinetatement)before sale of the Property pursuant to any power of sale oontainedin this Security instrument;or(bi entry of a ludgrnent
enforcing this Security instrument, Those condition are that Borrower:,(a)pays Lender all sums which then would be due under iris Security
Instrument arid the Note as If no acceleration had occurred;(b)cures and detautt of any other covenants or agreements;(c)pays au expenses
Incurred in enforcing this Security instrument,including,but not limited.tor reasonable attorney's lees;and(d)takes such actin as Lender may
reasonably require to assure that the Ian of this Security Instrument,Lenders rights In the Property and Borrowers obligation to pay the sums
secured by this Secutrity Instrument shall continue unchanged. Upon reinstatement by Borrower,this Security Instrument aria the obligations
-secured hereby shall remain fury effective as If no acceleration had occurred. However,this right to reinstate shalt not apply in the case of
ecceieratlan under peragrap^.17. •
18, Bale of Note;Change of Loan Serviest, The Note ore partial interest in the Note(together with this Security instrument)may
be sold one or more times without prtor,notice to Borrower.'A sale may result in a change in the entity(known as the'Loan Se pricer,that
collects-monthly payments due under the Note and this Security Instrument, There also may be one er more changes of the Loan Servicer
unrelated toe sale Of the Note, It there lea change of the Loan Servicer,Borrower wttbe-given written notice of the change in eccordane with
paragraph 14 end applicable law. The notice cull state the name and address of the new Loan Seeker and the address to which payments
should be made. The notice wet also contain any other.intormaten teetered by applicable law.
20. Hazardous Subatanea, Borrower shall hot-cause or pennllt'the.presernoe,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'Properly that is in violation of any
Environmental Law, The preceding two sentences shal,ngt apply to the presence,use,or
Hazardous 8ubstancea that-are merely recognized to to storage on the seltena of small Property.y of
Borrower shall promptly give Lender written Wei for a investigation.mate a aim,demand t lawsuit uit or end other coon by any of the mender o
regu letoryaoency or-private petty Involving the �m lawsuit or menu acts w by eery Boomer at or
t7 PrPPertyind any Hazardous t3ubatar>ce or Environmental Law of which Boomer has actual
knoyviedge. If Borrower learns,or is notified by any governmental or regulatory authority,ty,that any rertnovai or other newrnadatiaxt of any
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2/11/2014 16.D.1 .
Hazardous Substance affecting he Property OR: 3105 PG 3034
g roperty Is necessary,Borrower shall promptly take at necessary remedial actions in accordance with
Environmental Law,
As used in this paragraph 20,'Hazardous Substances'are those substances defined as toxic or hazarcous substances.by Environmental Law
and the following substances: gasoline,kerosene,other flammable or toxic petroleum products,toxic pesticides and hetbicides•volatile
sofventse 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 stall 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 teas 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 resort
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 aver acceleration and the right to assert in the foreclosure pro eedng the rton'e„stence or a
defautt or any other defense of Borrower to acceleration anti foreclosure,•It the deteutt is not cured on or before the date spocikad in the notice,
Lender,at Its option,may require Immediate payment in.tuil of alt sums secured by this Security Instrument without termer demand and may
foreclose this Security Instrument by judicial proceeding, Lender shall be entitled to collect ell y
provided In this s of Mess incurred in purs+ynA the remedies
P paragraph 21,Including,but not limited to,reasonable attorney's lees and costs of tie title evidence,
22. Release. Upon payment of ell sums secured by this Security Instrument,Lender shall release this Security instrument.without
charge,to Borrower; Borrower shall pay any recordatron costs,
.23,-Attorneys'Feb, As used In'this Security'tnstrunent end the Note,'attorneys'tees'shall include any attorneys'fees awarded by
an appelees court.
' ' 24, Riders to this Security instrument II 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 emend am supplement the covenants and
agreements of this Security'lnstrumantes If the reler(a)were a pan of this Security Instrument. (Check Applicable Bea)
' Adjustable Rate Rider Rats Improvement Rider . [ Condominium Rider
Graduated Payment Rider - 1.4 Fatally Rider Q map Home Rider
Balloon Rider Biweekly Payment Rider ❑Planned Unit Development Rider
Other(e)(specify
SIGNING BELOW,Borrower accepts and agrees to the terms end covenants contained in.this Security Instrument and in any retells)executed
by Borrower and recorded with It.
. Signed,sealed and delivered in the presence of:
. Witness#t' 7.,��?;,rr',r FtylvvOr ,1 Crl ,, y•'' . r .
- b 1 ... e k
tic . r m.
Signature""tit /.(.j:l .41 'II p'. ; /t Ner►OWei .,,� M t'Ve p` 'Close
Wkneses?� rt['ircc�., /-TK41.-•• `tJ ��
Signature: 6,„ii, . K) , /.,/ I 1''..e-=';'1 " Co.Borrower RoraaUna N. Pablo
. f ,. ( ' i JAdtiraesc`123, 0 ai ttai ley Street
STATE OF FLORIDA. ' "'
\"— ��'`t`"'`��_4-, Naprk r ', orida 34113
COUNTY OF J�'' r �, `. .�r3 ! .
1 t r� ti 1. i.A.1,r,
ti
I hereby certify that on this day,before aMer art, er duly euthorizeddin,Nro alsfs'aforesaid and in the county aforesaid to take
acknowledgements,personally appeared Felipe P.Gorflee d itch,Inner ir{iF blp,toine known to be the persons)descnbrid in and er ho
executed the foregoing ipstrument slid acknowledged before me that(Hat chef tray)executed the same for the purpose therein axQreased
i
WITNESS my hand end offiCial seal in the County end State aforesaid thin?b play of i Jr�'''/.r;' ,20
My nmmiaainn t nlret• '`,- • r
�:,.. �4,- - -%1111. 1f
NM MA ame Notary Public's Signature
tiilr Cana bar 10/2L0e
(lx..i'J lea tiD06alf1 Notary's Printed Name
• 'Biel lltw aofMoo 1Matta.
File#: 03-025
•
. Packet Page-403- .
2/11/2014 16.D.1 .
Prepared by; Wendy Klopf
Collier County
Housing,Human&Veteran Services
3 339 E.Tamiami Trail
Naples,FL 34112
THIS SPACE FOR RECORDING
SATISFACTION OF MORTGAGE l�
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 Audrey R Henson to COLLIER COUNTY, recorded on August 9, 1999 in
Official Records Book 2704, Page 2667, of the Public Records of Collier County, Florida, securing a
principal sum of $15,000.00 and certain promises and obligations set forth in said Mortgage, upon the
property described in the aforementioned mortgage.
COLLIER COUNTY hereby acknowledges full payment and satisfaction of said Mortgage, and
surrenders the same as cancelled, and hereby directs the Clerk of said Circuit Court to cancel the same of
record,
This Satisfaction of Mortgage was approved by the Board of County Commissioners on -
, 2014, Agenda Item Number
ATTEST: BOARD OF COUNTY COMMISSIONERS
DWIGHT E. BROCK,CLERK OF COLLIER COUNTY,FLORIDA
By: _ By:
,DEPUTY CLERK
Comm.Tom Henning
Chairman
Approved for form and legality:
Jennifer A.Belpedio
Assistant County Attorney
Packet Page-404-
Litt: 2669870 OR; 2704 PG; 2667 atla t 2/11/2014 16.D.1 .
CQi1IIt C04Ifi 11011I10 UCQIDID 11 tit QZIICIA1 UCUIDD 01 C011.111 COOITI, !1 OIL! 11111,11
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fete 0 H/JUa TL 54101 Pgt ,;i iiait
SECOND MORTGAGE
TMIS SECOND MORTGAGE('Security tnstrumenr►is given on August 9,1999, The Second Mongapor 15
Audrey R. Hanson
rBomiwer) This Security Instrument is given to Co 11 i e r Cow It y Mettoer).which is organized and exisrrg
under the fawn Of the UniteC States 01 America,and whdee.001.6. is :'l V U Nu i c h }i.,c s a t: U::v , 11.i,F'1 c+,
F1orlda 34104 . Borrower owes Lender the sum of Fifteen Thousand dollars (U.S.$ 1S,000.40 1. Thai
.debt N evidenced by Borrower's Note dated the tame date as the Security instrument CSecon Alortpape'),which provides for mtThy
payments,with the Ml 0001, 5 not paid sanlx,ous end payable on sale of property, refinance, or lose of
homestead eseaption . This Security Instrument secures to Lender.(a)the repayment of the debt evdenced by the Note,with
interest.and ea renewals,extensions and modifications:(b)the payment of all of nor 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 rnongage,grant and convey to Lender the following Mated
Properly located in Collier COurity,Florida.
More particularly described as S c:e. t V 1^-R- ^ and which has the address of
rPtda.rtyAddrees'): 2360 14"' St North
Mew
Napins, Florida 34102
der Jai
TOGETHER WITH all the Improvements now or hereafter erected on the property,and at easements.ngrks,appurtenances,
rents,royalties,mineral,oil and pas rights and profits,water rights end stock and all fixtures now or hereafter a part of the property. All
replacements and addltlore shall also be towered by the Security Instrument Al of the foregoing a referred to in this Security Instrument
as the'ProPerly.
BORROWER COVENANTS teat Borderer is lawfully eyed of true estate hereby conveyed and has the night to nwtgaoe,grant
and Convey the Prp eny and that the Property Is tmencumbetlt..excep#niter encumbrances of recor0. Borrower warrants and will*arena
perversity the tab to the Property againat all claims en a sytsert.fo-any encumbrances of record.
THIS SECURITY INSTRUMENT combiner inlgmr . wwdta.,Ye hatien`ptaiae and non-uniform,covenants with Whited variation
by jurisdiction to mretitute a uniform security inset 3re.r�. wrL+o real
UNIFORM COVENANTS. BnnoMrer'at'idtirwer covenant and agree' iofows:
1. Paylmnt OI PAnCipal and UM txtargess.`9atrwrer shin promptly pay when due tare principal
or and interest on the des evwenows by the Note. ` ,._._.__...,�,•; .,
2. Taws. The Monpagor will pay attnaas..anissements,sower rents or sneer rates prior to the accrual of any p invhies or
interest thereon. i �— ,...—Z �.t r '—'� ,' `t
The Moctgapdr shalt pay or cause toe awe,ei rthe sae.. due,(yt)(1)ail taxes and governmental charges
t respect to the Property,(2)all unity and other
of any kind wlvdoaver*Neil rep'at v►yitemr�iawfullytaa�stod 4r �,
charges,Including-service Charges`,ktcmredtbr ktigmid IItk*F lfy operabtin,mac eryincet twat occupancy.upkeep and improvement of
the Property.and(3)all assessments or oldie y lerivtoir?be peidan irutaements over a period of years,the
Mortgagor shall be obligated under the Mortgage to pay or cats to be pal c!uy snfch instalments as are required to be paid dung the
term of the Mortgage,and tthas,promptly anOwhe payment of any of the receiving, oryierd to Mortgagee evidence of such payment.
S. Apple**of Payments theme' lev povide other wisa spet s
received by Lender shall be applied:Met.
to interest der:and to prnc*et due:end las(\,-apyiate charges due under the:Note i
l Charges;darts. adrrowsr site))ofig4Liemitosiimminsints.ehaccee$(i Ieel•and impositions attributable to the Pvooerly which
may attain moray 04rr the Seartty IfMCtrnent. OAytr aefl<s.It any. Borrower shall=MN hrnish to Lender
M naticeS 01 amounts tg be paid under this paragraph; receiptMeNitRincing the payments.
Borrower r shell promptly discharge any lien which bite -"""wen taw Security Instrument unless Borrower(a)agrees in writing
10 the payment of the obligation secured by the lien in•manner acceptable to Lender:(b)contests in good faith the fen by.or defends
against enlacement or the lien in,legal proceedings which In true Lenders opirxon operate to prevent the entorcement or the lien,or(c)
secures from the(outer d the ken an agreement satisfactory to Lender subordinating the ken to this Security Instrument, If Lender
determines that any pert or the Property is subject to s lien which mey attain priority over the Security instrument,Lender may give
Borrowers notice identifying the lien. Borrower shall satisfy the lien or take one or more of the actions sat forth above wnthin 10 days of
the 0Wind of notice.
6. Haze rd or Property Insurance. Borrower shall keep the improvements now existing or hereafter erected on the Property
inms110 agars loss by fire,hazards included within the term`extended Coverage'and any other hazards,including hoods or noodmg,
for which Lender requires insurance. This Insurance shalt be maintained in the amounts and tor the(eroos that Lender requires The
insurance carrier providing the insurance since be chosen by Borrower subisct 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
richt,in the Property in accordance with paragraph 7. Al all times that the Note is outstanding,the Mortgagor shall maintain insurance
with respect to the Promises against such rake ern ter such amounts as are customarily insured against aryl pay.as the same become
due end payable,all prenatints in respect thereto,inducting,but not Wilted to alblsk Insurance protecting the Interests ci the titelgagOr
and Mortgagee against loss or damage to the Premises by fire,lightning,and other casualties customarily insured against(including borax
ex lasion,if apaoof ate),with a uniform standard extended coverage endorsement.irxklang debris removal coverage. Such insurance
at el times to be in an amount not less than the full replacement cost of the Premises,exclusive or footings and foundations.
Alt ewurence policies and renewals shall be acceptable to Lender and sties amchide a standard mortgage clause Lender shell
have tin night to hold the potions and renewals If Lender requires.Borrower shell pnortaptly give to Lender all receipts of paid premiums
and renewal notices. In the event of bee.Borrower shell give prompt notice to the insurance earner and Lender. Lender may make proof
of IOUs If not made promptly by Bo rower.
Unaea Larder and Borrower otherwise agree in writing.insurance proceeds that be applied to restoration or repair of the
Property damaged,If the restoration or repar is economically feasible and Lender`s security d not teemed It the restoration or repair
is not ecortortacally bastes or Lenders security wotad be lessened,the insurance proceeds siva be applied to the suns secured by the
Security Instrument,t,whether or not then due,with any excess paid to Borrower, If Borrower abendona the Property,or does not answer
within 30 pays a mute 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,whetter
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 mom*to paripsl shall not extend or postpone its due date of the m onth ly payments referred to in paragraph 1 or change
the arnotrrt of the payment. If under peregraoh 21 the Property is acquired by Lender.Borrower's right to any insurance policies and
proceeds restating from damage to the PropMy poor tome acquisition shall pass to Lender to the extant of the sums secured by bus
Sec rty Instrument immedMtiely prior to the acquistion,
a. oe.yetency,ereaer Breen,watenartee and Prebctlwt of the Property;Borrowers Loan Application,Leesaltotea.
Borrower shall as oppy.establish,and ties the Property as Borrower's principal nemidence within sixty days after the execution of this
Security Instrument and shall continue to occupy the Properly as Borrower's enamel residence for at least one year after the date of
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occupancy.unless Lender otherwise agrees in writing,which consent atlall not be unreasonably withheld, or unless extenuating
Circumstances exist which we beyond Borrowers aontrd. Borrower than not nheamery.damage or Impair the Property,allow the Property
to drrvate,or comm.waste on the Property. Borrower shall be in default if any forfeiture action or ordesadrno.whether CiVi or cnrtwtal,
is begun that in lender's 000d faith judgment could result in idtetture of the Property or otherwise matenafty impair the lien created M
this Secuftty frwtnsnent Co Lender's security interest. Borrower may cure such a default and rematate.as proved un paragraph 10,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 metered impumtent of the lien created by this Seatity htstnWnwti or Lenders security interest.
Borrower shall also be in default If Borrower.dung the ban appitcation process,gave materially raise or inaccurate information or
statements to Lender(or heed to provide Lender with any materiel information)in Constecton with the loan evidenced by the Note.
...eluding.but ltd limited to.representation concerning Borrower's occupancy of the Property as a principal residence. It this Security
Instruments on a leasehold,Borrower shell co nply with all IM provfaion Of me lease. It borrower ecqurres roe Due m the Property.the
leasehold and the fee title shall not merge unless Lender agrees to the merger in writing.
7. Protection of Landers Rlehte In the Property. If Borrower tads to perform the covenants and agreements contained n
PIS Secwtty Instrument.or there is a NOW proceeding that may significantly affect Lender's rights in the Property 1 such as a proceeding
in bankruptcy.probate,ton condemnation or forfeiture or to enforce taws or regulations).then Lender may do and pay for whatever e
neoessary to protect the value of the Property and Lenders rights in the Properly. Lender's actions may include payed any suns seared
by•hen which has priority over this Security Instrument.appearing in court,paying reasonable attorneys'tees and entering on the
Property to make repairs. Although Lender may take action titer this paragraph 7,Lender does not nave to do so. Any amounts
disbursed by Lender under this paragraph 7 shall become additional debt of Borrower secured by the Security Instrument Unless
Borrower and Larder agree to other terms of payment,these amounts shall bear interest from the date of disbursement at the Note rate
and shell be payola*.with interest,upon notice from Lander to Borrower requesting payment.
I. Maiimapa Insurance. If Lander reotired mortgage entrance as a condition of making the loan secured by this Security
Inatn/nenf.BOrrmwer snail pay the premiums requ red to meinealn the mortgage insurance in effect. if.for any reason.the mortgage
ins rlfCe coverage required by Lender apses Or core*to be In affect.Borrower shaft pay the premiums required to obtain coverage
substentlelly equivalent to the mortgage Maumee previously in aced,at a cost substantially equivalent to the cost to.Borrower of the
mortgage insurance previously in effect,from an alternate mortgage Meurer approved by lender It substantially equivalent mortgage
insurance coverage is not available,Bbmower shall pay to Lender each modes men equal to gne'lwelfth of the yearly mortgage insurance
frarnfuel prong paid by Borrower when the yfsure ce ooverage lapses or ceased to be in effect. Lender will accept,use end retain these
payments as a toes reserve In lieu of mortgage Insurance. Loss reaerv*payments may no longer be required.at the option of Lender,
It tnortgape insurance coverage fin the*mount and tar the period that Lender rewires)provided by an insurer approved by Lender again
becomes available and Is obtained. borrower shall pay the premiums required to maintain ITlnrtgage mstran ce in effect,or to prude a
loss reserve,until to raoiiramanl for mortgage ttSUMIlca ends inactoroance with arty wrtte►agreement between Borrower and Lender
or •, i paegom. Lender or its agent may mialH, . {e?ytir upon and inspections of the Property. Lender shalt give
th
Borrower notice at e time of or prior to an MI n eruC **tor the inspection.
10. Condemnation. The p O, Ot�m 10r dantagt2„ihrect or consequential,n connection with any
condemnation Of other taking of any pert of turd Property,or for conveyance M erethef`cbrWernration,are hereby assigned and shall be
pew to Lender. In the event of a tow taking tithe shall be applied to the Hans secured by this Secuny l neittrnsnt.
vArst er or not then due,with any excess pie to,9arpyc_r,In th revent'etg`Darllal taking oh the Property,in which the fair market value
of the Property immediately before the taking Il eoual to or greaterthan the amount oflthe sends secured by this Security Instrument
immodestly before die taking,unless BOnOMrortwed o heree �rthee meliseuxed by this Security Instrument shall
be reduced Dy the amount of the praceede mutt***by o ( ) to""�l of the suns secured immediately before
the t kkg.divided by(b)the fair market value k l this there il� a t»r�tteliakum Any balance stmt be pad b Borrower In
the event of a partial Eskimo of the Propettfii+�fhrf r�altiLe letve the rtOpQ[tyetheetIatety before the taking is teas then the
amount Of the stone secured immadlatafytorlhs tilting,unless Borrower and Lender athenitee agree in wremg or unless apdicable law
otherwise provides,me proceeds shall be appeed.to die sums secured by tit 5ecutny tl trtmwrn whether or not the awns are then due
t fryass Lanier and Borrower otherwise egrexiaiwkieng,any accitication of sokowitter to principal shall not extend or postpone the due date
of the monthly payments referred to in peragetete si.cor change the amount of suettv�yierts
i i. Borrower Nit Released,Perbierawa'ly Lender Not a Wa)wr"Ext ,idn of the time for payment or modification of
anlprdiieon of the sums secured by this Seeirityir!sitltowi*.g!snted by Land.'to4arg nieces or in w»erest of Borrower sea not woperwatte
to release the kabiily d the original Borrower or BomowIr sr'lCoassonJn• h i.eredar shall roi be required to correlate Dfocaadt yS
=MO any successor in interest or refuse to asterd dmelvr.tsvhtertt se madly en.ortwnwn d the sums sawed by this
Security Iruetrwrent W any �r
reason Cl d owner*made by the orloi^aZ B�e+r*ov.e•or Borrower's successors m interest. Any forbearance by
Lander in exercising any rigor or remedy shall not be a waiver of Or preclude the exerdse of any nghl or remedy
1t tttrrsasees end Ageism BeuM:Jeltg all liviri1 Uabittty;0043lgfters, The commas rind a9 )t'a trim
Sanely Mantua shall bind and benefit the successors and aligns or Lender end Borrower.stwiect to the
PPOviebee of paregreph IT. Borrower*Covenants and agreements shall be leant and several. Any Sonoma who co•ugns this Security
Instrument but dose not execute the Note:(a)is co-signing this Secunty Instrument only to mortgage,grant and convey that Borrowers
interest in to Property under the terms oh this Seamy Instrument:(b)is not personalty Obligated to pay the sums secured by the Security
irebtnerd:arid(CI agrees that Lenoir anti any caner borrower may agree to extend,moldy,torbear or make any accommodations with
regard to fire tonne or this Security Instrument or the Note without pet borrower's conaenl.
13. Loan Charges. If the loan secured by this Security Instrument is subiect to a law which sets max.rnum loan charges,and
that Wet is*rally**worsted so that the Interact or other loan enemas collected or to be collected in connect on with the ban exceed Iris
permitted Waits,then'tot any such tan charge strap be reduced by the amount necessary to reduco me charge to me permitted trot,erg
{D)any sun areesy(ptlOGted!torn Borrower which exceeded pumas/id laws will be refunded to Borrower Lender may choose to make
the renvd by redueing the pnncipei owed user the Note or by making•direct payment to Borrower If a refund reduces principal.the
reduction wilt be treated as a partial prepayment without any prepayment charge tinder the Note
14. Nedas. Any notice to Dormer armload la in thus Security instrument ah Il be given by detivering it or by mailing.t by
ttret CtOS mall unless applicator sew required utee of another method. The notice shalt be directed to the Property Address or any are,
address Borrower designates by notice to Lender. Any notice to Lender shall be given to Borrower or Lender when oven as provided in
rtes osraprarrh..
13, GovernIng Lew;Oeveragulty, This Security instrument snail be governed by federal taw and the law of the iurnsdictuon
in which the Properly is located. In the event that any provision or clause of this Security Insrument or the Note conflicts with applicable
taw,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 or this Security(rlatrunent and the Note are declared to be severable
Is. Borrower*Copy. Borrower shell be given one conformed Copy of ire Note and or gm Security Instrument.
i?. TPrtafw of the Pronely et a lionefielei interest in Batawer. 11 all Of any flan Of the Property or any interest In It 15 sop
Or aateferred(Or If a beneficial interest in Borrower is solo or transferred and Borrower is not a natural person)without Lender's poor
*Tan consent Lender may,at as option,require Immediate payment n full of sh sums stoned by this Security Instrument. however,
the option shall not be ecerdeed by Larder if exercise is prohibited by federal law as of the data of this Security Instrument.
if Lander exercised this option.Lender shall give Borrower notice of acceleration. The notice shall provide a period Ot not less than 30
days from the data the notice is delivered or mailed within which Borrower must pay at suns secured by this Security Instrument, r
Borrower fele to pay these Stan per to the expiration of this period.Lender may invoke any remedhes permitted by hiss Security
instrument without further notice or demand on Borrower.
1s.eorrewer s Right to Raklepsa. If Borrower meets certain conditions.Borrower shall have the right to have enforcement
Of ells Security Instrument discontinued at any time prior to the Miter of ta)5 days(a such other period as applicable law may specify
on ratpay mart)before sale of the Property(purstatrt to any power of sale contained in this Security Instrument,or(b)entry of a s lgmant
enra,khg this Security Instrument. Those conditions are tat borrower;(a)pays Lender all sums which then would be due under this
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Security Instrument nt artd the Note as it no aouMratlon had occurred:(b)aurae and default 010th,other covenants or agreements.(c)Pays �� p•
all expanses
Incurred In enforcing tie Secatty Instrument,ment,indudir p,but not Waled to,reasonable attorney's tees;and to)takes such action as Lerger
may reasonably require to Mire that the ben of this Security instrument,Lender's rights in the Property and Borrower's obligation to pay
the sums secured by this Security Instntnent shad continue uncharged. Upon reinstatement by Borrower,thiS Security instrument and
the oblgatIons secured hereby shalt remain fully affective as if no acceleration had occurred. However,this right to reinstate shall not
apply in the cased acceleration under paragraph 17.
it Sate of Neta:change ef Loan>eralcer. The Note or•partial interest in the Note(together with this Security instrument)
may be sold one or more times without prior notice to Borrower. A eats may result ina change in the entity(known as the`Loan Servitor")
that collects monddy payments due under the Note and this Security Instrument There also may be one or more changes of the Loan
Servlcer unrelated to a senor the Note. It there is a change of me Loan Servicer,Borrower wilt be given written notice of the change in
accordance with paragraph 14 and applicable law. The notice wig state the name and address of the new Loan Services 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 shah not cause or permit the presence.use,disposal,storage,or release of any
Hazardous Substances on or in the Property. Borrower shalt not do,rkx allow anyone else to do,anything affecting the Property that is
in violation of any Environmental Law. The preceding two sentences shad not apply to the presence.use,or storage on the Property of
smell quanttaes of Hazardous Substances that are generatty recognized to be appropriate to normal residential uses and to maintenance
of the Property.
Borrower shell promptly give Lender written notice for any investigation,claim,demand,lawsuit or other action by any governmental or
regulatory agency or privets party involving the Property end any Haserooue 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 temerdation
of any hazardous Substance affecting the Progeny is necessary, borrower shell promptly tape all necessary remedial actions in
accordance with Environmental Law.
As used In title paragraph 20,'Hazardous Substances'ere those substances Cleaned as took or hazardous substances by Envuonmentai
Law end the follows a 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 m this paragraph 20,'Environmental Law'means federal laws and taws of the jurisdiction where the
Property is located that relate to than,safety or environmental protection.
21. Aaeelerafion;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 shad specify: (aline default:(b)the action required to cure the default:(c)a date,not less than 30 days from the
data the notice la otvan to Borrower,by which the default must be cured:ar>d(D)that failure to cure true default on or before the date
spedfied in the notice may result in acceleration of the sunstreecUneprthis.Security Instrument,foreclosure by luolciat proceeding and
sate of the Property. The notice shag further inforth-Bornikerrat the Witt reinstate after acceleration and the right to assert n the
i(Xa6geure preceeging the ftprt-patetsnpe of•ciefekknteriertistroszenerarartortower to acceleration end foreclosure. If the detaun is
not cured on or before the date specified in the .rider,at its option,�yiT the eeruIce Immediate payment in full of at sums secured
by this Security Instrument without further dsmIadn red may foreclose this Seen fy Instrument by iudical proceeding. Lender shall be
entitled to collect all expenses incurred in ptrsuip rthsgemed ee provided in this paragraph 21,inducing..but not limited to reasonable
attorney's fees and costs of the title evidence.I i — - i. \
22. Release. Upon payment Of all aunts secured, -tnl1.Secuntytntatrureht,Lender shall release this Security Instrument.
without dwrge,to Borrower Borrower Shea
23. AUorneys'Fees. As used en)this indfur tsotd a Y i 1etiorneye fees'shall include any attorneys'fees
awarded by an aoo+ate orrrt. ; I, t ! i 1 I 1
24. Riders to lieu t-4I r ar ecutei.by torrawer and recorded together with this
Sec rity Instrument,the PovNenta en dla9Mnents of each such*derail=be inWrpdr$f*,h into and shell amend arid supplement the
covenant*and agreements of this Seeurky4hlnrmenf es II the rid arts)eSia,a pant of t('vi ecurily Instrument. (Check Anokeable Box i
❑ Ad(uatable Rate Rider ,rr Rate Improvement Rides,!f Condominium Rider
❑ Graduated Payment Rider i..P•t,Famity Rider Second: ,. ❑ Second Home Rider
❑
Balloon Rider — irPa trtegn oef- ❑ Planned Unit Development Rider
Others)(specify
SIGNING BELOW,Borrower accepts and agrees to the terms and covenants contained in this Security instrument and in any rider(s)
executed by Borrower and recorded with tt.
Signed,sealed end delivered in the,presence off:,)
Witness Signature � l� k ✓) Ill -l'tJ.., .'Z.f�'u
S' nstwe:C
Borrower Audrey R. Ronson
Witness Print Name: Signature._
Borrower
mimes Signature: ��,.
Wltnees
Print Name: Address: .3b0 14'° ti•.t t t_
Naclr, Platt U.� 41c.
STATE OF_Flo kla_
COUNTY OF_CoiGer�
I hereby coney that on this day,before me.an officer duly authorized in the state aforesaid and in the county aforesaid to take
acknowledgements,personally appeared Audrey R. Ranson to me known to be the persons s)described in and who executed the
foregoing instilment and eckroetedged 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 Apr l 21,1999.
I.
My Cann tssion Expires:
Notary Publics Siteveu e
r . -
Notary's Printed Name
._._ ..
(SEAL) �\ :.,
`clegid•we Packet Page-407- ' '
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DisplayActua/ost Lioee Jtems for Pro}
aDocument� CeMaster Record a cy a w . - -E N 121142 4 7 4)3 0
RKPEP003 USD —Z/WENDY
Layout Z/WENDY RKPEP003 Nancy—GL detail
Object WES 33258 SHIP FY13-16
Cost Element 361170 To 369603 FIFTH THIRD 0/N INT. .
Posting Date 12/01/2013 To 01/31/2014
Fund W85 Elem. Cost Elem.:' Postg'Date'£ --VaVCOArea Crcy Name RefDocNo
7 361170 12/31/2013 29.70- 12113 Fifth Third Interest 100656887
361170
L • 29.78- —-
791 33258.1 361180 12/31/2013 768.34- 12/31/13 Custodial Interest 100656886
361180
a 768.34-
791 33258.1 369600 12/27/2013 3,000.00- SHIP LOAN PAYOFF-RUSSO,A#09-158 100655082
791 33258.1 7,698.82- SHIP LOAN PAYOFF-GOMEZ,F F#02-0351F 100655082
791 33258.1 15,000.00- SHIP LOAN PAYOFF-HENSON,A=98-040R 100655082
791 33258.1 01/06/2014 5,000.00- SHIP LOAN PAYOFF-GOMEZ,F.FILE 02-035 IF 100655684
369600 a • _.. 30,698.82
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