Agenda 11/08/2011 Item #16D 1.11/8/2011 Item 16. D.1.
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n Recommendation to approve and authorize the Chairs to sign two (2) satisfactions of mortgage
for owner - occupied affordable housing units that have satisfied the. terms of assistance or
repayment in full has been provided to Collier County.
OBJECTIVE: Approve and authorize the Chairman to sign two (2) satisfactions of mortgage for owner-
occupied affordable housing units that have satisfied the terms of assistance or repayment in full has been
provided to Collier County.
CONSIDERATIONS: The State Housing Initiatives Partnership Program (SHIP), a state affordable
housing grant, 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 details two (2) clients who have repaid all funds expended on their behalf and are
entitled to a satisfaction of mortgage.
Name
Security instrument
Payoff Amount
Public Record
Theresa M. Stahl
SHIP Second Mortgage
$10,000.00
OR Book: 3689 PG: 2866
Jose Garcia
SHIP Second M
$2,500M
tR Book: 2185 PG: 0328
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.
MCAL UdEAO: SHIP funds in the amount of $12, 500.00 have been repaid and are considered
program income. Such funds may be reused for eligible SHIP program activities.
GROWTH MAN,P�GEM M IWACT: There is no growth management impact associated with this
Executive Summary.
LEGAL CONSIDERATIONS: This item is legally sufficient and requires a majority vote for. Board
action. JB W
STAFF RECOMMENDATION: Approve and authorize the Chairman to sign two (2) satisfactions of
mortgage for owner - occupied affordable housing units that have satisfied the terms of assistance or
repayment in full has been provided to Collier County
PREPARED BY: Kimberley Grant, Interim Director, Housing, Human and Veteran Services
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COLLIER COUNTY
Board of County Commissioners
Item Number: 16.D.1.
11/8/2011 Item 16.D.1.
Item Summary: Recommendation to approve and authorize the Chairman to sign two (2)
satisfactions of mortgage for owner - occupied affordable housing units that have satisfied the
terms of assistance or repayment in full has been provided to Collier County.
Meeting Date: 11/8/2011
Prepared By
Name: DoriaPriscilla
Title: SHIP Loan Processor,Housing, Human & Veteran Services
10/7/2011 8:25:39 AM
Submitted by
Title: SHIP Loan Processor,Housing, Human & Veteran Services
Name: DoriaPriscilla
10/7/2011 8:25:41 AM
Approved By
Name: GrantKimberley
Title: Interim Director, HHVS
Date: 10/19/20119:51:04 PM
Name: NelsonTona
Title: Administrative Assistant, Senior,Parks & Recreation
Date: 10/20/20118:23:36 AM
Name: RamseyMarla
Title: Administrator, Public Services
Date: 10/21/2011 10:46:47 AM
Name: WrightJeff
Title: Assistant County Attorney,County Attorney
Date: 10/27/20118:24:03 AM
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Name: KlatzkowJeff
Title: County Attorney,
Date: 10/27/20119:17:28 AM
Name: PryorCheryl
Title: Management/ Budget Analyst, Senior,Office of Management & Budget
Date: 11/2/20118:44:49 AM
Name: KlatzkowJeff
Title: County Attorney,
Date: 11/2/2011 12:13:54 PM
Name: OchsLeo
Title: County Manager
Date: 11/2/2011 1:12:49 PM
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11/8/2011 Item 16_D 1
11/8/2011 Item 16.D.1.
11/8/2011 Item 16.D.1.
�t Prepared by:
Priscilla Doria
Collier County
Housing, Human & Veteran Services
3339 E. Tamiami Trail
Naples, FL 34112
k THIS SPACE FOR RECORDING
SATISFACTION OF MORTGAGE
KNOW ALL MEN BY `I'IIESE PRESENTS: That COLLIER COUNTY, whose post office address is
3301 E TAMIAMI TRAIL, NAPLES, FLORIDA 34112, the owner(s) and holder(s) of a certain
Mortgage executed by Jose Garcia to COLLIER COUNTY, bearing the date of April 30, 1996,
recorded May 20, 1996 k in Official Records Book 2185 Page 0328, of the Public Records of Collier
County, Florida, securing a principal sum of $2,500.00 and certain promises and obligations set forth in
said Mortgage, upon the iroperty situated in said State and County described as follows, to wit:
Lot 10, Sunrise Villas, *cording to the Plat thereof, as recorded in Plat Book 8, Page 75, of the
Public Records of Collier County, Florida. (2430 Shadowlawn Drive, Naples, Florida 33962)
COLLIER COUNTY hereby acknowledges full payment and satisfaction of said Mortgage, and
surrenders the same as ci t celled, and hereby directs the Clerk of said Circuit Court to cancel the same of
record.
r
Dated this day of , 2011.
ATTEST: BOARD OF COUNTY COMMISSIONERS
DWIGHT E. BROCK, Clerk COLLIER COUNTY, FLORIDA
By: By:
Deputy Clerk FRED W. COYLE, CHAIRMAN
U
k'
Approved as to form and
legal su ciency:
t
y
Jeff A. W 'ght
Assisfh2f County Attorney
k
F
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11/8/2011 Item 16.D.1.
Prepared by:
Priscilla Doria
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 Theresa M. Stahl to COLLIER COUNTY, recorded on December 3, 2004 in
Official Records Book 3689 Page 2866, of the Public Records of Collier County, Florida, securing a
principal sum of $10,000.00 and certain promises and obligations set forth in said Mortgage, upon the
property situated in said State and County described as follows, to wit:
Building 1012, Unit 51, the Courtyards of Golden Gate, a condominium, of the Public Records of
Collier County, Florida. (2160 43�d Terrace SW #51, Naples, Florida 34116)
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.
Dated this day of , 2011.
ATTEST:
DWIGHT E. BROCK, Clerk
0
, Deputy Clerk
Approved as to form and
legal sufficiency:
Jeffrey A. Klatzkow
County Attorney
BOARD OF COUNTY COMMISSIONERS
COLLIER COUNTY, FLORIDA
IM
FRED W. COYLE, CHAIRMAN
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11/8/2011 Item 16. D.1.
A A /A l^^ A A .. I
11/8/2011 Item 16.D.1.
C.0 7e-r Ci01474ty
Public Services Division
Housing, Human $ Veteran Services
August 17, 2011
To: Bonita Title Inc,
Andy Mortensen
From: Collier County Housing, Human and Veteran Services Department
Priscilla Doria
Re: Theresa M. Stahl File# 03 -299
2160 43`' Terrace SW #51
Naples, FL 34116
Recorded on 12/03/2004, OR Book 3689, Page 2866.
*COLLIER COUNTY WILL NOT ACCEPT ANY OFFERS LESS THAN THE AMOUNT LISTED BELOW*
*PAYMENT MUST BE PAID IN FULL*
The payoff amount to satisfy the above mentioned property owner's loan with Collier County is
10 000.00. This is a zero (0) interest loan with no payments. Payment due when property is sold,
refinanced or loss of homestead. Payoff will remain the same regardless of date.
Payment should be made to "Collier County Board of County Commissioners" and delivered to:
Collier County Government
Housing, Human and Veteran Services
3339 E. Tamiami Trail Bldg H, Suite 211
Naples, FL 34112
If you wish to have us riord the satisfaction, please include a separate check in the amount of 10.00
made payable to: Collie County Clerk of Court.
Thank you,
Priscilla Doria, Lc
(239) 252 - 5312 -phc
(239) 252- 6518 -efax
239- 252 -CARE (2273) - 239
Processor
Flousing, r7
HLIniaii and
Veteran Sev r
of couw county
3301 East Tamiami Trail • Health Building - Naples, FL 34112
• 239 - 252 -CAFE (2233) • 239- 252 -RSVP (7787) • 239- 252 -VETS (8387) • www .colliergov.net/humanservices
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11/8/2011 Item 16.D.1.
82COM >a 3s
Iota: isi MUM TIM 11CHDID in t80 l4C AL RIC XS Of PIG: i 2866 IL
0860 10000.00
PICT OP 12/03/200(1 it 11:36M DVICBT 1. 810CL, CL111 � Onc 11000.00
uc m U. 00
DOC -,35 35.00
THIS SECOND MORTGAGE rSew ty khstMnert-) is given on November..9r , 2004. The Second Mortgagor is:
Theresa M. Stahl, A Single Person
(- Borrower ).
This SeaxMy Instrument is given to _ Collier Conaty ('Cancel -), which is orgaryaed and trusting under
the laws of the United stets of America, and whose address is 2000 teems tiorsesCLIN Drive *400 1 and w
llorida 34014 . 90nower owes Lender the sum of Tea Thawand and elo /100ehe Dollars (U.f. g 10.000.00 ).
This debt k NWstmosd by Borrowers Nets dated the awn date as cps Security knit rest ('Second Mortipw -). which provides, for
POO MO, with the lei dsbt; N not paid earlier, due and payable on sale of aroverty. refinance or loss of
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3raesta" aseerae LOn . This Seaxity Instrument serer W Larder. (a) the repayment of time debt evidenced by the tots, with
InterasL and ail renewals. eklansions and modifications; (b) the payment of all other sums, with interest advanced under paragraph 7 to protect
the security of the Security bhatrumarre; and (c) the Performance of Borrowers covenants and agreements under this Security Instrument and
txl� � this purpose, Borrower does hereby 30MM rtwrtpage. grant and convey to Larder the fop wing desrxibed Property lo�aWin
As more
which has the Particularly address �� es Building 1012, Unit 51, The Courtyards of Golden Gate, A Condominium, Collar County, Florida and
(- Pmpwty Address'): 2160 43rd Terrace Sift , 051 lee Florida 34116
TOGETHER WITH all the improvements now or hereafter erected on the property, and all asserrhents, rights, appurtenances. rents,
M8111 s. mineral, dl and gas rights and Profits, water rights and stock and all fixtures now or hereafter a Part Of the property. AN replaeernertis
and additions than also be otrvered by the Security butrument. AN Cyr ft foregoing is referred to in this Security instrument as the - Property'.
BORROWER COVENANTS that Borrower is lawfully salt he estate hereby conveyed and has the right to mortgage, grant ant
convey the Property and that the Property is unencrun or of record. Borrower warrants and will defend generally
the We to the Property against an cairms and demand' r of recur
THIS SECURITY IMSTRUMENT combi hi nanta for �?B d anon- uniform covenants with limited variation by
jurisdiction to constitute a uniform security inatru ng red prey
UNIFORM COYEf*XTS. Borrower a cur covenant ant agree as (OI
1. Pay W- of Principal ant t riL ssh hall Promptly pay when due the principal of and
bderest on the debt evidenced by the Note.
2. Taxes. The Mortgagor will pay 1 s
pfhareon. to the aoxxual of any penalties or imhlereet
The Mortgagor shat pay or caste be as (X1) all taxes and govertsrnertal
kind �na�v ice charges', a► may In any time Im 1 or Property, (2) all utility and charges.
including ohar9es Incurred or im ai ce, upkeep ant Improvement of tre Property
(3) all assessments or other governmental that may IffOuffy be inmate m r a and
obligOW under the Mortgage to pay or cause only such instal a to be � during term � shall Mortgage.
shall. Promptly after the payraent of any of the forward to mD Malgage, oft
3. APPIh+ don of PaymentIL Unless law Provides otrervvfsa, amts reosived by Lender shall be applied; first, to
interest due; and, to principaldue; and last, to any due under the
4. Charges; UenlL Borrower shall pay all
attain Priority over this Security Instrument, ant leawsehoI and Impositions attributable to the Property which may
MUM of amounts to be paid under this paragraph, ant ail N any. Borrower shall promptly furnish to Lander all
ng the payments.
the of�orr Shall WOMPtly discharge any lion which has priority over this Security Instr~ unless Borrower; (a) epees kh to
enforcement of the lienh um secured by the lien in a manner sox able to lender, (b) contests in good faith the lien by, or defends against
is holder of the ten an legal proceedings which in the Landers opinion operate to Prevent the eNoroement of the liar, or (c) septet from
of agreement salialactory to Lander subordirtadimhg the lien to this Security Instrument N Lender daterm inas tlat any pert
Borrower �Y is subject li n lien which may attain priority over the Secu ity Instrument, Lender may give Borrower a notice identifying the Tian. shall satisfy the lien or take one or more of the scions se[ font above within 10 days of the giving of nonce.
5. hand or Property Insurance. Borrower shall keep the improvements now ebb or Imereafter erected on the Propsny tnsmrad
against loll by fin, fhazards lhcuded witltin the term 'extended ooveraper ant any other hazards, including floods or flooding. for which Lender
requires inehsanoe. This insurance shale be maintained in the anounts and fox the periods that Lender requires. The Insurance carrier
�ntarhleg the insurance shall be chosen by Bomower subject to Lenders approval which shall not be unreasonably w"Wd. t Borrower fail$ to
coverage described above. Lander may. at Lenders option, obtain coverage, to protect Lenders rights in the Property in accordance
with paragraph 7. At all tmenViall tlm Note is outstanding, the Mortgagor shall maintain insurance with respect to the Promises against such
risks and for such amounts as are cuscornerily insured against and pay, as the same become due and payable, all premiums in respect thereto.
Including, but not limited to, a"sk Insurance Protecting the interests of the Mortgagor and Mortgagee against loss or damage to the Premises
by fire, lightning, ant other casualties customarily insured against (including boiler explosion, N 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.
AN Insurance Policies and renewals shall be acceptable to Lender and shall include a standard mortgage clause. Lender shell have
the right to hold the policies Said 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 N not made
PrSrrpty by Borrower.
Uness Lender ndrrr�d raseoreo on d Borrower otherwise agree in writing, Insurance Proceeds shall be applied to restoration or repair of the Property or repair w eoonomtcally feasible and Lenders security is not lessened. N the restoration or repair is not
economically fesslble or Lender's security would be lessened, the ksurance proceeds shall be applied to the sums secured by the Security
Instrument vwthether or not tfhefh due, with any excess paid to Borrower. N Borrower abandons the Property, or does not answer within 30 days
s notice from Lender that the insurance carrier has offered to settle a claim, then Lender may comed the msuranoe proceeds. Lender may use
the Proceeds to repair or restore the Property or to Pay Burns seared by this Security Instrument, whether or not then due. The 304ay Period
will begin when the notice is moaned. Unless Lender and Borrower Otherwise agree in writing, any application of proceeds to The X shall not
extend Or >nd Property eaoxlw'rrhd by Lerhder, Borrower's payments to refemed to in Paragraph 1 or change the arraurt of Us payments. t under Paragraph
the acquisition shall pass to Lander to the extent of the sums arry insurance Policies and proceeds secured by this Security InstiwWrit immediately f
B. Oceupency, PrpsrvWcck Mafntsnarnu and Protection of the Property; Borrowers Loan I to the dos. acquisition. y Prior Shall
�r+Py, wish, and use the•Pmoperty as Borrower's principal residence within in sbdy days after exacubw of f thisSn unit Instrument Borrower shall
shall continue to occupy the Property as Borrowers principal residence for at least One year tiler the date of oca Instrument and
otherwise agrees in writing, which consent shad not be unreasonably Paexis unless Lender
Borrower's control. Borrower shall not destroy, withheld, or unless extenuating circumstances exist which are beyond
roy, damage or impair the Property, Blow the Property to deteriorate, or comma waste on the
Property. Born war shall be In defoutt if any forfeiture action or proceeding, whether civil or criminal, is begun that in Lenders good faith
k
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An. A /AA 11 f•1'1 'I N•err. I C Ml I
OR; 3689 11/8/2011 Item 16.D. 1.
judgmat g nld result in folfeigxe of the Property or aherwme materially impair the lien crOMW by this Security instrument w Couplers security
with a rulkhg Uhet Lmanc�dsf s good dNermiruetion provided m� 1 B, try posing the action « proceeding b be dismissed
impaknmermP d the Iles peered by d IBM dolo y Instrument L forfeiture of the BOrn°w 01's interest in the Property or ohm material
ban epppcation process, g� materially false «hr me ntor soma y interest. Borrower shop also be n defaWt N Borrower, during Ca �\
irtbmretion) in connection with the ban evalse rd by the Note, including butWrrw j to to, Lender (or lolled to Provide Lender with any material
N Barpwer�ety s a toresidence. N this Setsxlty Instrument is on a leasehold. Bonower s � m f a
7. ?roMction ar4 the Property, the a pn*ld and the fee title shall not merge unless Lender agrees to the writing.
Rights in the Property. N Borrower tails b perform the covensift and merger in writs
S@mt* lnetrurrrent, w Celli is a legal proceeding that may significantly aped Larders rights in the Pro agreements contained rding in this
bankruptcy, Probate, for condemnation or forfeiture w to enforce laws w en Penfr (sues or a proceeding in
Proled the value of the Property and Larders rights n Ume regulations). then Lender may do and pay for whatever is necessary which to
has Priority over lhis security Instrtsrrem, appearing In spur reasonable Lenders actions may include Pang any suns secured by a lien which
Although Lander may take action under this � not av ado so. fees end entering rs the Progeny b make repairs.
Paragraph 7 a" become additional debt of Borrowers 7, Larder does not have a ru so. Any amounts disbursed a der under this
Of Payment. these arnounta shop bear interest�from the date of disburawn�entyat the Note rate and 3 beer and Lender agree to other terms
from Lender b Bonower requesting Payment. Payable, with interest upon rheice
& "" 1111111819
kuhvrm*, Borrower mWonco. N Lender required mortgage insurance as a condition of making the loan Secured by We Security
°°wraps nquked by Lendtir mpg" or oseseB�be In to �ct, mainialn the r OW pa Me Premiums u s M N. f« any reason, the morlpags insurance
egdvabrt b Cue rnwVBpa Insurance Previously in eNed,� cost Substantially the Premiums required loo -vamps substentany
Ireylouay n effect from m eflenmate equivalent b the cost to Borrower of the
available. Borrowo shell Pad to Lender approved by Lender. N substartisily equivsiert mortgage mrmaurorce mortgage i not
reuse I equal b one twdhh of the yearly premium being Paid by
in lieu f when the insurance coverage speed w ceased b be in effect. Larder will accept, erd r Pro P�Ynmments as a loss reserve
the arriourit and th lieu d monpafo do pert o. Loss reserve peymentB m ro longer be nmwWired, at the option of Lender. N mortgage lsurerhe coverage (in
Bonower sh pay :-Ids urt� Lerder re9uires) rovidd boes avaable and is obtained.
mortgage Insurance iri;ac �dsrm wrbUm a ss rtnerye. until the requirement fw o. tnSpso. Lender or its belwreen fO and Lender «appNcable law.
notice at the time of « agent make rsaaonablle entries upon and inSpadions d the Property. Lender shall give Borrower
10. Corwdenmlxhrb an ksDeetion spedfyyg reasonable pose for time nspaction.
or other taking d any part of, property pn�s d � in claim lieu f damages, direct w consequerrtfal. in tnrsbclkn with any condemnation
event d a 10101 Wring of the Property, Or for condem nabon. are hereby assigned and shall be
0htilh 1�noperly, the' shall be applied to to sums secured by this Security peke b Lender. In the
WW erases Paid b SwIowwer. In the event or a pwbgl taking d the ri meue of the , vvmpler,i not then due.
before Sonoweir arid Lender the sgwl e°ar greater than the amount of the Bums secured by is sacurky Instrument Imnmedialel I
oCme w ae agree n writing, the shuns second ttmis Y before the taking, unless
multiplied by the bpowing fraction: (a) the bbl anwurrt d Instrument snap be radioed by the amount d the proceeds
Of the Property kw ns*st* before the taking. Any ate y before the t ng, divided by (b) the fair market value
the fair market value of Ce property i medira� is leas portal the �y n which
unless Borrower and tender otherwise agree to of the Burns secured immedialely for the taking.
SecUred by Ws Seauty kmin~ wRhsther or me era their due law the proceeds shall be applied b the sums
KNOWS teethe anrhotrt of s b �O� shall not Oe the o W� n �mDe
poym *. refereed b in Paragraphs 1 «
11. BorrOWN WofRUsassd, F °
amorCration of the, sums sedurad by this ° d time for Payment or modification of
rObwe tin sabpky, of the rot Borrower Bo rs s I in dw Borrower not operate to
sG I any Successor in krtMest «Muse
Instrument by reason of any efcwmard made ° of the sums secured by this Security or exerdwrig any right or remelt' shall riot be a of or Preclude the ex or n interest Any forbearance by Lender in
Irwb~ shag es i s and Several covenants and agreements of this Security
Provisions of paragraph 17. Borrowers ions d Lander and 10 the
Instnxnant but does riot execute Ce Note; (a) is shall be joint Any Borrower who co-signs this security
in the Property under the terft of Chia Security I Security Instru mortgage, gram and convey that Borrowers interest
and (e) ogrsm Cat Lender and any other Bonower hey ( b Pay the suers secured by this Security Instrument
of this Security instrument OFT* Note without that Bonowees or crake any accommodations with regard to the terns
19. Loan ChngM N the loom waxed by Ces Somulty Instrument is Subject
lemur is fsisily k*Wprekd so that the interest «athsr khan charges collected or b b cllectaid in rmecdorh vvitl► thetfs bum exceed the
par miW
Wails, than: (a) any such bon charge shall be reduced by the amount necessary to reduce the scone to the Permitted limih ord (b) any sorts
*Body collected from Borrower which aeoeeded Permitted limps will be Mf unded b Borrower. Lender m chose to make Cris refund by
treated as a the�Wr owed indar the Note or by making a direct Payment 10 Borrower. N e fund re duces principal. the reduetiorh will be
Prapoynr M "*W Bey pnpegnsnt dmarge ruder the Note.
class reuse% unless Any 00WO b Borrower provided for n this Security Instrument shall be !liven by delivering It or by mailing it by first
applicable tow squired use of another ma hod. The notice shall be directed to the Property Address «any other address
Borrower designates o Lender. Any notice b Lender shall be given to Borrower w Larder when givers as provided n this Paragraph.
the Property is located. In fhh+ anent that This Securely Instwument shall be governed by federal law and the low of the jurisdiction in which
conflict asap rho Meet other any Provision Or Clause of this Security Instrument or the Note ca MkU with apPlicabie Paw, such
Ws end the pro"le1Ons of this Security Instrument or the Note which can be given after without the co lip
Provisions d thil Seounty, Instrument and the Note are declared 10 be severable. sting provision. To
17. Transfer rd C Copy. Bonower shall be g� one conformed COPY of the Note and of this Security lstnxn SM
property a a Beneficial Interest in Borrower. N all or any pan of the Property or arty Interest in it is sold or
transferred
consert, Lender msi interest in Borrower is sold «trensferted and Borrower is not a natural person) without Lenders Prior vwPg�
not be wwrcised °p°0n' require immediate payment in full of all sums secured by this Security Instrument. However, this option shall
by Lander N exercise is prohibited by federal law as of the date of this Secu lnsinxrent.
C Lender exerclaed Ws °Ptbrl, Launder strap give Bom°wer notice of acceleration. The notice shall Provide a period of rot Was than 30 days
from fhe does the notice is dskwW or mailed within which Borrower must pay all suns seaueci by this Security Instrument. If Borrower fails to
notice or demand on Borrows of this Period. Lender m invoke any r0medies Perm bed by this Security Instrumart wilhout k tw
Seaxfgr hrstrtxnhert � at Ralasf�a• N B°nOWW Meats certain conditions. Borrower Shag have the right b have enforcement of this
re Millenent) betas sale of the any time Prior b the earlier Of: (a) 5 days (or such other period as applicable law m specify for
ordbrcirV this sea Property pursuant to any Power of sale contained in this Security Instrument; or (b) entry or a judgment
Instrument and Note a as d ho Those � occurred; Borrower (a) Pal's Lender all sums which then would be due under Ws Security
incurred in entordng this ssif ho ors ( ) cures and default of any other covenants or agreements; (c) pays all expenses
Instrument, inducing, but not lir1111W b, reasonable albneY's fees; and (d) takes such aedonh as Lender may
secured reWke b assure that the pan of this Security Instrument• Lenders rights in the Property rind Borrowers pay the sUrns
hheereeby shall instrument effective continue no unchanged. upon reinstatement marl by Borrower. this saaaity, lust nerht and Bic oblipalions
segued acceleration had ocwrnd. h{pwm or, this right b reinstate shall not
acoelaration under paragraph 17, apply in the pee of
be sold Ono 111. Sale of NOW Change of Loan Servicar. The Note or a partial interest in the Note (together with this Security Instrument) may
collects
rwhm r more times duo undo the Note D Borrower. A sale may result in a change n the entity (known as the 'Loan Sermw) that
unrelated 10 a sale of the Noe, N there is a Security Instrument. There also may be one w more charges of the Loan Servicer
Change off the Loan Servicsr, Borrower will be given written notice d the change n acowdarmce with
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* ** OR: 3689 11/8/2011 Item 16.D.1.
paragraph 14 and applicable law. The notice vAN State the name and address of the new Loan Sarvicer and the address to which payments
should be made The notice cute also contain any other information required by applicable law.
Substances on Hazardous . Borrower shell not cause or permit the presence, use, oiapmal, storage, a release a any Hazardous
Environmental Law. The property. Borrower preceding two eentsencels not str��, n al� an� Oise to do. anything affecting the Property that is in violation a any
Hazardous Substances OW are generally recognized to be appropriate ri the presence. use, or storage on Ohs Property a .malt qusndtles a
appropriate to normal residential uses and to ma nt rbnoe of the
Borrower shall Promptly gNe Lester written notice for any investigation, claim, demand, lawsuit a other action by any gtmmrr or
regulatory aperwy or Wvsa s party invohilr the Property and any Hazardous Substance or Environmental Law of which Borrower has actual
knowledga. K Borrower teams. or is notified by any govemmentat a regulatory authority. that any removal or other remedialion or any
Hazardous Substance affecting the Property is necessary, 50 war 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 folio ring substances: gasoline, kerosene, other flammable or toxic petroleum products, toxic pi stickles and herbicides, volatile
Solvents, metwulle oontmr*V asbestos or formaldehyde, and
radioactive matenals. As used in this paragraph 20, "Environmental Law' means federal laws and laws Of the Jurisdiction where the Property is
located that relate to hoW4 safety or environmental protection.
21. Acpluallon; Rwnadlss. Lender shall gNe notice to Borrower prior to acceleration following Borrower's breach of any covarwrt
or agreemnt in this sOGSEy 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 are the dafauO; (c) a date, not less than 30 days from to date to notice is givan
to Borrower, by which the defaut must be cured: and (d) that failure to cure the default on or before the date spadfbd In the notice may result
M acceleration of the wms seamed by this Secunty tnstrumart, foreclosure by judicial proceeding and sale of the Property. The notice snail
further Imam Borrower of the right to reinstate after acceleration and the right to assert in the foreclosure proceeding the non.existance of a
defahAt or arty 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 M full of all sums secured by this Security Instrument without further demand and may
foreclose this Security hnOrinnent by judieiai goose ft. Lender shall be entitled to collect all e)Wdes int:ured 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 seared by this Security Instrument, Lender shall release this Security Instrumar t, without
charge, to Borrower. BWMWW shall pay any recordation Costs.
an appellate oourL Aftwr*W FOas. As used in this Security Instrument and the Note, "attomeys' fees, shall include any attorneys' fees awarded by
24. Ridare to this Security InstrumenL If are or more riders are executed by Borrower and recorded together with this Security
Instrument, the Coranrents and agreements of each such rider shall be Incorporated into and shall amend and suppWnent the covenants and
agreements of this Seaxitytnstrument as If the rider(s) were a pan of this Security Instrument. (Check Applicable Box)
❑ Adjustable Rats Rider Rate Improvement Rider ❑ Condominium Rider
❑ Graduated Payment Ridsr g 1.4 Family Rider
a� ❑Second Honkie wider
O Otha(s) (sPr ❑Biweekly U� Development Rider
SIGNING BELOW, Bortwvtlr accepts and
by Borrower and recorded vitth it.
Signed,
STATE OF FLORins,
COUNTY OF
in the prssenc4 a:
EP
Signature:
Co- Borrw
Instrument and in any rider(s) executed
—7160 43rd Terrace Sp., t51
Nantes, Florida 34116
1 hereby certify tha(on this day, before me, an officer duly authorized In the stale aforesaid and in the county aforesaid to take
oicailisdigarraift. Pwwn* appeared Theresa M. Stahl to me known to be the person(.) described in and who executed the foregoing
instrument and ackrowledgell before me that (Haf shot they) executed the same for the purpose therein expressed. J�(
WITNESS my hand and offlctai seal in the County and State day a 20_ {�_"1
My Commission Expires: /
N blids ignat re
()
Notary's Name
Liston L Ekrondo
WCOMMISSIONe DD103110 ELMS
lure 14 2006
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A 4 /G M/14 4 1A.-- A n n A
11/8/2011 Item 16. D.1.
11/8/2011 Item 16.D.1.
C�.o » rouMty
Public Services Division WAVAW
Housing, Human & Veteran Services
May 10, 2011
To: Florida Unlver ai Title, LLC
Goede & Adamczyk, PLLC
Attn: Paula DdMuth
From: Collier. County Mousing, Human
Priscilla Doria
Re: Jose Garcia x
2430 Shadowrwn Drive
Naples, FL 34112
Re d—d
and Veteran Services Department
cor on 0P/20 /1996, OR Book 2185, Page 0328.
The payoff amount to Ptisfy the above mentioned property owner's loan with Collier County is
52.500.00- This is a z *o (0) interest loan with no payments, therefore the Payoff the same regardless of date. This loan was given for the assistance in the purchase lf their an
home and is payable on sale, refinance, or loss of homestead exemption.
s
Payment should be nitde to "Collie r County Board of County Commissioners" and
to: dellvei"
Collier County Government
Housing, Human and Veteran Services
3339 E. timiami Trail Bldg H, Suite 211
,Naples, FL 34112
Attention: Priscilla Doria
r
Please contact me if yo(u have any questions 239 -252 -5312.
Thank you,
;k
s
A49404 �ouc�, , oa„c zoecdamt
Housing,
Human and
Veterann Sew
238 - 252 -1-'ARE 3301 East TaniwW Trap - Heafth Bt4tdiog . Naples, FL 34112
n (2273) • 2� 252-HOME (4�i • 239-252 -CAFE (2233) • 239 - 252 -RSVP (7787) - 239-252 -VETS (W) • www. 0Dftgov.netthumanservfoes
Packet Page -850-
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-' 11/8/2011 Item 16. D.1.
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