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Agenda 12/14/2021 Item #16D13 (15 Satisfaction of Mortgages for the SHIP Program)12/14/2021 EXECUTIVE SUMMARY Recommendation to approve and authorize the chairperson to sign fifteen (15) mortgage satisfactions for the State Housing Initiatives Partnership loan program in the amount of $94,750 and approve the associated Budget Amendments to appropriate repayment amounts totaling $47,294. (SHIP Grant Fund 791). OBJECTIVE: To support the affordability of housing in Collier County through State Housing Initiatives Partnership (SHIP) down payment and emergency repair and/or rehabilitation assistance programs. CONSIDERATIONS: SHIP, a state affordable housing program, offers assistance to first-time homebuyers for use toward a portion of the required down payment and emergency repairs to the newly acquired home, and rehabilitation assistance to homeowners for rehabilitation to their homesteaded property. 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 an associated mortgage that has been repaid in full. Furthermore, none of the associated mortgages below include a maturity date. *Section 95.281(1)(b) F.S. allows this debt to be forgiven if the mortgage is more than twenty (20) years old and the final maturity of an obligation secured by the mortgage is not ascertainable or previously set forth in the mortgage. Under such circumstances, the mortgage is considered terminated and for record purposes the amount may be forgiven. SHIP Ordinance No. 93-19 did not require a maturity date. In addition, a Final Judgement of Foreclosure was issued for **Cynthia Alvarado and recorded on March 24, 2011, in OR 4664 PG 351 in Public Records of Collier County. Furthermore, Ms.*** Raquel Crispin only received $4,294 out of the $5,000. Therefore, the following homeowners have met the obligation and the loan should be forgiven. As such, satisfactions of mortgages are required. File # Name Public Record Mortgage Amount Payoff Amount 02-028 Rafael A. & Crescencia H. Aguiar OR 2883/PG 0080 $2,500 $0* 00-00 Callie Pearl Allen OR 2173/PG 0650 $14,250 $0* 04-158 Cynthia Alvarado OR 3664/PG 0753 $10,000 $0** 02-026 Sara Buenrostro OR 2884/PG 0438 $2,500 $0* 01-072 Crispin, Raquel OR 2733/PG 2721 $5,000 $4,294*** 15-083 Ernesto Estrada Diaz OR 5427/PG 2565 $20,000 $20,000 09-390 Guillermo Fernandez Molina OR 4704/PG 2733 $3,000 $3,000 11-081 Eddy Garcia & Enerelys Herrera De Garcia OR 4880/PG 1097 $20,000 $20,000 99-163 Jose Lopez & Maria A. Lopez OR 2579/PG 0983 $2,500 $0* 00-247 Jose Concepcion Meza OR 2656/PG 3285 $2,500 $0* 02-027 Pedro R. Ramirez & Margarita Lopez de Ramirez OR 2886/PG 3041 $2,500 $0* 02-018 Damacene Relavie and Cemene Relavie OR 2846/PG 2942 $2,500 $0* 01-2390 Michelle Ross OR 2844/PG 1781 $2,500 $0* Packet Pg. 1720 16.D.13 12/14/2021 00-335 Cirino Trejo OR 2661/PG 2536 $2,500 $0* 00-127 Alfredo Villagomez and Maria Villagomez OR 2603/PG 2985 $2,500 $0* Total $94,750 $47,294 Approval of these items will authorize the Chairperson to sign the aforementioned mortgage satisfactions and the executed documents shall be recorded in the Public Records of Collier County, Florida. FISCAL IMPACT: The repaid amount of $47,294 satisfies the payoff amount. This repayment is considered program income and has been deposited in SHIP Grant Fund (791), Project 33759. Deposited funds will be used for SHIP eligible activities. The Budget Amendment recognizes $47,294 in program income, of which five percent (5%) will be used as Administrative funds. Recording fees of $40 have been paid by homeowners Crispin, Estrada Diaz, Fernandez Molina, and Garcia. The $10 recording fee for all others will be paid by SHIP Grant Fund (791), Project 33759. LEGAL CONSIDERATIONS: This item is approved for form and legality and required a majority vote for Board approval. -JAB GROWTH MANAGEMENT IMPACT: There is no Growth Management impact. RECOMMENDATION: To approve and authorize the chairperson to sign fifteen (15) mortgage satisfactions for the State Housing Initiatives Partnership loan program in the amount of $94,750 and approve the associated Budget Amendments to appropriate repayment amounts totaling $47,294. (SHIP Grant Fund 791). Prepared By: Karina Bardales, Grants Support Specialist, Community & Human Services Division ATTACHMENT(S) 1. Backup Docs SOM-Aguiar (PDF) 2. Backup Docs SOM-Allen (PDF) 3. Backup Docs SOM-Alvarado (PDF) 4. Backup Docs SOM-Buenrostro (PDF) 5. Backup Docs SOM-Crispin (PDF) 6. Backup Docs SOM-Estrada. (PDF) 7. Backup Docs SOM-Fernandez Molina (PDF) 8. Backup Docs SOM-Garcia (PDF) 9. Backup Docs SOM-Lopez (PDF) 10. Backup Docs SOM-Meza (PDF) 11. Backup Docs SOM-Ramirez-Lopez (PDF) 12. Backup Docs SOM-Relavie (PDF) 13. Backup Docs SOM-Ross (PDF) 14. Backup Docs SOM-Trejo (PDF) 15. Backup Docs SOM-Villagomez (PDF) 16. SHIP-SOM (PDF) 17. SAP $47,294 12.14.21(PDF) Packet Pg. 1721 12/14/2021 Packet Pg. 1722 16.D.13 12/14/2021 COLLIER COUNTY Board of County Commissioners Item Number: 16.1).13 Doe ID: 20550 Item Summary: Recommendation to approve and authorize the chairperson to sign fifteen (15) mortgage satisfactions for the State Housing Initiatives Partnership loan program in the amount of $94,750 and approve the associated Budget Amendments to appropriate repayment amounts totaling $47,294. (SHIP Grant Fund 791). Meeting Date: 12/14/2021 Prepared by: Title: — Community & Human Services Name: Karina Bardales 11/02/2021 3:17 PM Submitted by: Title: Manager - Federal/State Grants Operation — Community & Human Services Name: Kristi Sonntag 11/02/2021 3:17 PM Approved By: Review: Community & Human Services Karina Bardales Additional Reviewer Community & Human Services Lisa Carr Additional Reviewer Community & Human Services Jacob LaRow Additional Reviewer Community & Human Services Maggie Lopez Additional Reviewer Community & Human Services Karina Bardales CHS Review Community & Human Services Blanca Aquino Luque Additional Reviewer Operations & Veteran Services Kimberley Grant Additional Reviewer Capital Project Planning, Impact Fees, and Program Management Gino Santabarbara Public Services Department Todd Henry Public Services Department County Attorney's Office Jennifer Belpedio Level 2 Attorney of Record Review Public Services Department Dan Rodriguez PSD Department Head Grants Erica Robinson Level 2 Grants Review Office of Management and Budget Debra Windsor Level 3 OMB Gatekeeper Review County Attorney's Office Jeffrey A. Klatzkow Level 3 County Attorney's Office Review Grants Therese Stanley Additional Reviewer Growth Management Operations Support Christopher Johnson Skipped 11/03/2021 12:31 PM Completed 11/03/2021 2:53 PM Completed 11/08/2021 11:49 AM Completed 11/08/2021 6:37 PM Skipped 11/09/2021 2:15 PM Completed 11/09/2021 2:54 PM Completed 11/10/2021 5:50 PM Additional Reviewer Completed Completed 11/15/2021 11:11 AM Completed 11/16/2021 1:40 PM Completed 11/16/2021 6:49 PM Completed 11/29/2021 3:23 PM Completed 11/29/2021 3:38 PM Completed 11/30/2021 9:28 AM Completed 11/30/2021 12:59 PM Additional Reviewer Completed Packet Pg. 1723 12/14/2021 County Manager's Office Board of County Commissioners Geoffrey Willig Level 4 County Manager Review Geoffrey Willig Meeting Pending Completed 12/03/2021 11:23 AM 12/14/2021 9:00 AM Packet Pg. 1724 Attn: Z818879 OR: Z883 PG: 0080 UUB 11?11 COALUM ACIICT 111COMID it the 0111CIAL 11COIDS of C01LI11 COUM , IL (ICI U1 01128/2001 at 11:50AN DWIGHT 1. 11OC1, CLINK SECOND MORTGAGE 01LD 16.D.13.a 011.1 2500.00 tic III IS.01 W-.35 1.75 THIS SECOND MORTGAGE ("Security Instrument") is given on August , 2001 The Second Mortgagor is. Rafael A. & Crescencia H. Agular Husband and Wife ("Borrower"), This Security Instrument is given to Collier County ("Lender"), which is organized and existing under the laws of the United States of America. and whose address is 3050 North Horseshoe Drive, Suite 145, Naples, Florida 34014 . Borrower owes Lender Ifre sum of Two Thousand live Hundred end No/ 100ths Dollare (U.S. i 20500.00 ). 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, it not paid earlier, due and payable on sale of property, refinance, or loss of homestead exemption . This Security Instrument secures to Lender. (a) the repayment of the debt evidenced by the Note, with interest, and all renewals, extensions and modifications: (b) the payment of all other sums, with interest advanced under paragraph 7 to protect the security of the Security Instrument; and (c) the performance of Borrower's covenants and agreements under this Security Instrument and the Note. For this purpose, Borrower does hereby second mortgage, grant and convey to Lender the following described property located In Collier County, Florida. As more particularly described as Lot 7, Block 14, Naples Manor Addition, Collier County, Florida and which has the address of. ('Property Address"): 5426 Hardee Street, Naples, Florida 34113 TOGETHER WITH alliheAfnprovements now or hereafter erected on the property, and all easements, rights, appurtenances, rents, royalties, mineral, oil and gas n is and,profits, water rights and stock and all fixtures now or hereafter a part of the property. All replacements and additions shall also be covareg`fiyPro Security Instrument. All of the foregoing is referred to in this Security Instrument as the "Property". BORROWER COVENANTS Iha(t Borrower is lawfully seized of the estate hereby conveyed and has the right to mortgage, grant and convey the Property and that the'Prapefty i t nencumbered, except for encumbrances of record. Borrower warrants and will defend generally the title to the Property against all claims and demands, subject to any encumbrances of record. THIS SECURITY INSTRUMFW coiiibmes uniform covenants for national use and non•undorm covenants with limited variation by jurisdiction to constitute a uniform security instrument covering real property. UNIFORM COVENANTS. Borrower And Clander covenant and agree as follows. 1. Payment of Principal and Interest Rfepayment and Late Charges. Borrower shall promptly pay when due the principal of and interest on the debt evidenced by the Note. 2. Taxes. The Mortgagor will pay alt taxes, -assessments, sewer rents of water rates prior to the accrual of any penalties or interest (hereon. The Mortgagor shall pay or cause to be paii9 as 4 same respectively become due. (A)(1) all taxes and governmental charges of any kind whatsoever which may at any time be lawfully assessed oclevied against or with respect to the Property, (2) all utility and other charges, including 'service charges', incurred or imposed for the opq ration, maintenance, use, occupancy, upkeep and improvement of the Property, and (3) all assessments or other governmental charges that it ay'o�wt6lly be paid in installments over a period of years, the Mortgagor shall be obligated under the Mortgage to pay or cause to be paid only suclyiristallments as are required to be paid during the term of the Mortgage, and shall, promptly after the payment of any of the foregoing, forward to Mortgagee evidence of such payment. 3. Application of Payments. Unless applicable law pro�vides otherwise, all payments received by Lender shall be applied; first, to interest due; and, to principal due; and last, to any late chargesie under'the Note. 4. Charges; Liens. Borrower shall pay all taxes, assessmepfa; charges, fines and impositions attributable to the Property which may attain priority over this Security Instrument, and leasehold payments'or ground rents, it any. Borrower shall promptly fumish to Lender all notices of amounts to be paid under this paragraph, and all receipts avid in 'the payments. Borrower shall promptly discharge any lien which has prior' ovej tws Security Instrument unless Borrower: (a) agrees in writing to the payment of the obligation secured by the lien in a manner acceptable` o Lehde�,Ab) 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 salistactory to Lender subordinating the'lie' to INS Security Instrument. If Lender determines that any part of the Property is subject to a lien which may attain priority over the Security Insl6ment lender may give Borrower a notice identifying the lien. Borrower shall satisfy the lien or take one or more of the actions set forth above vVirthill 10 days of the giving of notice. S. Nasard or Property Insurance. Borrower shall keep the ImprovemeAspefw existing or hereafter erected on the Property insured against loss by fire, hazards included within the term "extended coverage" and any other heArds, including floods or flooding, for which lender requires insurance. This insurance shall be maintained in the amounts and for the penodsihat Lender requires. The insurance carrier providing the insurance shall be chosen by Borrower subject to Lender's approval which shall not be unreasonably withheld. If Borrower fails to maintain coverage described above, Lender may, at Lender's option, obtain coverage to protedLenoer'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 Mongag' ee against loss or damage to the Premises by fire, lightning, and other casualties customarily insured against (including boiler explosion, if appropn ), with a uniform standard extended coverage endorsement, including debris removal coverage. Such insurance at all limes to be in an our} -no( less than the full replacement cost of the Premises. exclusive of toolings and foundations. All insurance policies and renewals shall be acceptable to Lender and shall include a standard modda9 clause. Lender shall have the right to hold the policies and renewals. It Lender requires, Borrower shall promptly give to Lender all receipt 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 30 days a notice from Lender that the insurance carrier has offered to settle a claim, then Lender may collect the insurance proceeds. Lender may use the proceeds to repair or restore the Property or to pay sums secured by this Security Instrument, whether or not then due. The 30-day period will begin when the notice is mailed. Unless Lender and Borrower otherwise agree in writing, any application of proceeds to principal shall not extend or postpone the due date of the monthly payments referred to in paragraph 1 or change the amount of the payments. If under paragraph 21 the Property is acquired by Lender, Borrower's right to any insurance policies and proceeds resulting from damage to the Property prior to the acquisition shall pass to Lender to the extent of the sums secured by this Security Instrument immediately prior to the acquisition. fit. Occupancy, Preservation, Maintenance and Protection of the Property; Borrower's Loan Application, Leaseholds. Borrower shall occupy, establish, and use the Property as Borrowers principal residence within sixty days after the execution of this Security Instrument and shall continue to occupy the Property as Borrower's principal residence for at least one year after the date of occupancy, unless Lender otherwise agrees in writing, which consent shall not be unreasonably withheld, or unless extenuating circumstances exist which are beyond Borrowers control. Borrower shall 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 materially impair the lien created by this Security Instrument or Lender's security interest. Borrower may cure such a default and reinstate, as provided in paragraph 18, by causing the action or proceeding to be dismissed with a ruling that, in Lender's good faith determination, precludes forfeiture of the Borrower's interest in the Property or other material impairment of the lien created by this Security Instrument or Lenders security interest. Borrower shall also be in default it Borrower, during the loan application process, gave materially false or inaccurate information or statements to Lender (or failed to provide Lender with any material information) in connection with the loan evidenced by the Note, including, but not limited to, representations concerning Borrower's occupancy N N M R rn 1= 0 0 c 0 w N R N a_ 2 to 0 LO L0 0 2 Q O to rd 0 0 0 Cl- :3 Y V R m Packet Pg. 1725 OR: 2883 PG: 008 16.D.13.a 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. Protectlon of Lender's Rights In the Property. If Borrower fails to perform the covenants and agreements contained in this Security Instrument, or there is a legal proceeding that may significantly affect Lender's rights in the Property (such as a proceeding in bankruptcy, probate, for condemnation or forfeiture or to enforce laws or regulations), then Lender may do and pay for whatever is necessary to protect the value of the Property and Lender's rights in the Property. Lender's actions may include paying any sums secured by a lien which has priority over this Security Instrument, appearing in court, paying reasonable attorneys' fees and entering on the Property to make repairs. Although Lender may take action under this paragraph 7, Lender does not have to do so. Any amounts disbursed by Lender under this paragraph 7 shall become additional debt of Borrower secured by this Security Instrument. Unless Borrower and Lender agree to other terms of payment, these amounts shall bear interest from the date of disbursement at the Note rate and shall be payable, with interest, upon notice from Lender to Borrower requesting payment. 8. Mortgage Insurance. It Lender required mortgage insurance as a condition of making the loan secured by this Security Instrument. Borrower shall pay the premiums required to maintain the mortgage insurance in effect. If, for any reason, the mortgage insurance coverage required by Lender lapses or ceases to be in effect, Borrower shall pay the premiums required to obtain coverage substantially equivalent to the mortgage insurance previously in effect, at a cost substantially equivalent to the cost to Borrower of the mortgage insurance previously in effect, from an alternate mortgage insurer approved by Lender. If substantially equivalent mortgage insurance coverage is not available, Borrower shall pay to Lender each month a sum equal to one -twelfth of the yearly mortgage insurance premium being paid by Borrower when the insurance coverage lapsed or ceased to be in effect. Lender will accept, use and retain these payments as a loss reserve in lieu of mortgage insurance. Loss reserve payments may no longer be required, at the option of Lender, if mortgage insurance coverage (m the amount and for the period that Lender requires) provided by an insurer approved by Lender again becomes available and is obtained. Borrower shall pay the premiums required to maintain mortgage insurance in effect, or to provide a loss reserve, until the requirement for mortgage insurance ends in accordance with any written agreement between Borrower and Lender or applicable law. 9. Inspection. Lender or its agent may make reasonable entries upon and inspections of the Property. Lender shall give Borrower notice at the time of or prior, to anInspection specifying reasonable cause for the inspection, 10. Condemnatiowt The proceeds of any award or claim for damages, direct or consequential, in connection with any condemnation or other taking of any partof 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 Pr�oj5rert)ohe, proceeds shall be applied to the sums secured by this Security Instrument, whether or not then due, w with any excess paid to Borrower ,41n the, vent of a partial taking of the Property, in which the fair market value of the Property immediately y before the taking is equal to or greatart tn the amount of the sums secured by this Security Instrument immediately before the taking, unless Borrower and Lender otherwise agrea1no writing, the sums secured by this Security Instrument shall be reduced by the amount of the proceeds multiplied by the following traction (a) the,ldjaf8mount of the sums secured immediately before the taking, divided by (b) the fair market value C of the Property immediately before the faking. Any balance shall be paid to Borrower. In the event of a partial taking of the Property in which 2 the lair market value of the Property immediately_ before the taking is less than the amount of the sums secured immediately for the taking. O unless Borrower and Lender otherwise agree in #nli fig or unless applicable law otherwise provides, the proceeds shall be applied to the sums C secured by this Security Instrument whether or notAhe sums are then due. Unless Lender and Borrower otherwise agree in writing, any p application of proceeds to principal shall not eztd or postpone the due date of the monthly payments referred to in paragraphs 1 or change the amount of such payments. 1 ` '\ w 11. Borrower Not Released, Forbearani1�By Lender Not a Waiver. Extension of the time for payment or modification of MA of the sums secured by this Security In i rumeaf granted by Lender to any successor in interest of Borrower shall not operate to to release the liability of the original Borrower or BorroweMksuccess ors in interest. Lender shall not be required to commence proceedings against any successor in interest or refuse to extend time for payr}lent or otherwise modify amortization of the sums secured by this Security a Instrument by reason of any demand made by the original Borrower or Borrower's successors in interest. Any forbearance by Lender in exercising any right or remedy shall not be a waiver of or preclude the`exercise of any right or remedy. 12. Successors and Assigns Bound; Joint and'Several Liability; Co -Signers. The covenants and agreements of this Security ro Instrument shall bind and benefit the successors and assigns of L$rider aid Borrower, subject to the inProvisions of paragraph 17. Borrower's covenants and agreements sh,} beyjoint and several. Any Borrower who co-signs this Security N Instrument but does not execute the Note, (a) is co-signing this Secplyy InArt4ment only to mortgage, grant and convey that Borrower's interest in the Property under the terms of this Security Instrument: (b) is not personally -obligated to pay the sums secured by this Security Instrument; and (c) agrees that Lender and any other Borrower may agree to extendXmodgfy,'torbear or make any accommodations with regard to the terms 3 of this Security Instrument or the Note without that Borrower's consent , 13. Loan Charges. It the loan secured by this Security Instrument is su-0160 to a law which sets maximum loan charges, and that Q law is finally interpreted so that the interest or other loan charges collected of tp3Oe collected in connection with the loan exceed the permitled O limits, then: (a) any such loan charge shall be reduced by the amount necessary)o, reduce the charge to the permitted limit; and (b) any sums N already collected from Borrower which exceeded permitted limits will be refunded to B60ower. Lender may choose to make this refund by rn reducing the principal owed under the Note or by making a direct payment to Borrower. 1t a refund reduces principal, the reduction will be V treated as a partial prepayment without any prepayment charge under the Note 3 0 14. Notices. Any notice to Borrower provided for in this Security Instrument sh�W� given by delivering it or by mailing it by first u 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 Y g lerxterwhen given as provided m this paragraph. 0 15. Governing Law; Severability. This Security Instrument shall be governed by (ederaljaw and the law of the jurisdiction in which m the Property is located. in the event that any provision or clause of this Security Instrument `or t� Note conflicts with applicable law, such conflict shall not affect other provisions of this Security Instrument or the Note which can be given effect wPout 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 curity, Instrument. s 17. Transfer of the Property or a Beneficial Interest in Borrower. If all or any part of the Property or any interest in it is sold or transferred (or it a beneficial interest in Borrower is sold or transferred and Borrower is not a natural pefson yf ut Lender's prior written Q consent, Lender may, at its option, require immediate payment in full of all sums secured by this Security Instrument. However, this option shall not be exercised by Lender if exercise is prohibited by federal law as of the date of this Security Instrument., If Lender exercised this option, Lender shall give Borrower notice of acceleration. The notice shall provide a period of riot 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 tails 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 defautt of any other covenants or agreements; (c) pays all expenses incurred in enforcing this Security Instrument, including, but not limited to, reasonable attorney's tees: and (d) takes such action as Lender may reasonably require to assure that the lien of this Security Instrument, Lenders rights in the Property and Borrower's obligation to pay the sums secured by this Security Instrument shall continue unchanged. Upon reinstatement by Borrower, this Security Instrument and the obligations secured hereby shall remain fully effective as it no acceleration had occurred. However, this right to reinstate shall not apply in the case of acceleration under paragraph 17. 19. Sale of Note; Change of Loan Servicer, The Note or a partial interest in the Note (together with this Security Instrument) may be sold one or more times without prior notice to Borrower. A sale may result in a change in the entity (known as the "Loan Servicer") that collects monthly payments due under the Note and this Security Instrument, There also may be one or more changes of the Loan Servicer unrelated to a sale of the Note. If there is a change of the Loan Servicer, Borrower will be given written notice of the change in accordance with paragraph 14 and applicable law. The notice will stale the name and address of the new Loan Servicer and the address to which payments should be made. The notice will also contain any other information required by applicable law. 20. Hazardous Substances. Borrower shall not cause or permit the presence, use, disposal, storage, or release of any Hazardous Substances on or in the Property. Borrower shall not do, nor allow anyone else to do, anything affecting the Property that is in violation of any Environmental Law. The preceding two sentences shall not apply to the presence, use, or storage on the Property of small quantities of Hazardous Substances that are generally recognized to be appropriate to normal residential uses and to maintenance of the Property. Packet Pg. 1726 *** OR: 2883 PG: 0 16.D.13.a 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 remediatlon of any Hazardous Substance affecting the Property is necessary, Borrower shall promptly take all necessary remedial actions in accordance with Environmental Law, As used in this paragraph 20, "Hazardous Substances" are those substances defined as toxic or hazardous substances by Environmental Law and the following substances: gasoline, kerosene, other flammable or toxic petroleum products, toxic pesticides and herbicides, volatile solvents, materials containing asbestos or formaldehyde, and radioactive materials. As used in this paragraph 20, "Environmental Law" means federal laws and laws of the jurisdiction where the Property is located that relate to health, safety or environmental protection. 21. Acceleration; Remedies. Lender shall give notice to Borrower prior to acceleration following Borrower's breach of any covenant or agreement in this Security Instrument (but not prior to acceleration under paragraph 17 unless applicable law provides otherwise). The notice shall specify: (a) the default, (b) the action required to cure the default; (c) a date, not less than 30 days from the date the notice is given to Borrower, by which the default must be cured; and (d) that failure to cure the default on or before the date specified in the notice may result in acceleration of the sums secured by this Security Instrument. foreclosure by judicial proceeding and sale of the Property. The notice shall further inform Borrower of the right to reinstate after acceleration and the right to assert in the foreclosure proceeding the non-existence of a default or any other defense of Borrower to acceleration and foreclosure, If the default is not cured on or before the date specified in the notice, Lender, at its option, may require immediate payment in full of all Burns secured by this Security Instrument without further demand and may foreclose this Security Instrument by judicial proceeding. Lender shall be entitled to collect all expenses incurred in pursuing the remedies provided in this paragraph 21, including, but not limited to, reasonable attorney's fees and costs of the title evidence. 22. Release. Upon payment of all sums secured by this Security Instrument, Lender shall release this Security Instrument, without charge, to Borrower. Borrower shall pay any recordation costs. 23. Attorneys' Fees. As used in this Security Instrument and the Note, "attorneys' fees" shall include any attorneys' fees awarded by an appellate court. f 24. Riders to thlit'84cur[iy Instrument. If one or more riders are executed by Borrower and recorded together with this Security Instrument, the covenants and eements of each such rider shall be incorporated into and shall amend and supplement the covenants and agreements of this Security frt5trurent as if the rider(s) were a part of this Security Instrument (Check Applicable Box) ❑ Adjustable Rate Rider ❑Aa,te Improvement Rider ❑ Condominium Rider ❑ Graduated Payment Rider ❑ 1.4 Family Rider ❑ Second Home Rider ❑ Balloon Rider ❑ Weekly Payment Rider ❑ Planned Unit Development Rider ❑ Other(s) (specify SIGNING BELOW, Borrower accepts and agrees to therlerms and covenants contained in this Security Instrument and inany rider(s) executed I by Borrower and recorded with it. ,;- Signed, sealed and elivered in the presence of: WitnessMl: i r _ -c Signature:_—--- Witness#2:_'� Signature: ___ ____ Address STATE OF FLORIDA COUNTY OF Pdr Rafael A. At7uiar c m in 0 <. or Cresceiscia H. Aguiar M rn .,5426 Hardee Street Q Na les, Florida 34113 0 ... I hereby certify that on this day, before me, an officer duly authorized in the sfafe'aforesaid and in the county aforesaid to take Y acknowledgements, personally appeared Rafael A. 8 Crescendo H. Aauler to me known Id`6e thla person(s) described in and who executed m y In the foregoing instrument and acknowledged before me that (He/ she/ they) executed the same 16r the purpose therein expressed. d E WITNESS my hand and official seal in the County and State aforesaid this'day of y a My Commission Expires:'Notary Public's Public's Signature - a (Seal) Notary's Pruned Name OFFICIAL NOTARY SEAL HEIDI HAZELHORST NOTARY PUBLIC STATE OF FLORID COWASSION NO. CC6912O4 MY COt1MySSION EXP. OCT. 23, 2001 Filek 02-028 Packet Pg. 1727 Collier County Property Appraiser 16.D.13.a Property Summary Site 1 5426 Site Zone Parcel No 62103000000 Address HARDEE ST Site City I NAPLES *Note 341' *Disclaimer Name / Address JAGUIAR, RAFAEL A=& CRESCENCIA 5426 HARDEE ST City NAPLES State I FL I Zip 1 34113-7811 Map No. Strap No. Section Township Ran a Acres *Estimated 5B29 507400 14 75B29 29 50 26 0.19 0 Legal NAPLES MANOR ADD BLK 14 LOT 7 r- 0 W Milla a Area O 108 Millacie Rates O *Calculations Sub./Condo 507400 - NAPLES MANOR ADDITION School Other Total Use Code v 1 - SINGLE FAMILY RESIDENTIAL 4.889 6.6608 11.5498 a Latest Sales History (Not all Sales are listed due to Confidentiality) Date Book -Page Amount 08/28/01 2883-75 $ 59,500 08/29/00 2715-3031 $ 36,000 09/10/90 1557-1265 $ 18,800 07/01 /90 1546-1372 $ 0 x 2021 Certified Tax Roll CO Subject to Change) G Ln Land Value $ 112,3; N +) Improved Value $ 82,21 " L (_) Market Value $ 194,61 (-) Save our Home $ 134,6. a (_) Assessed Value $ 59,9! o (-) Homestead $ 25,01 ' (_) School Taxable Value $ 34,9. c (-) Additional Homestead $ 9,9! ; (_) Taxable Value $ 25,01 If all Values shown above equal 0 this parcel was created after the m Final Tax Roll c d E z Q Packet Pg. 1728 Retr.: 2046964 OR: 2173 PG: 0650 DB!D 1 16.D.13.b HOUSING i URBAN DMYMLDPNMN? RICORDID 1n the OPPICIAL RICORDS 0: COLLAR COUN1'l, PI RIC PMI 19.1i 1100 HORS151101 DR N 04 19'91 at 0241PN DMIGH7 I SROCK, CLMRK DOC-.3S So.O, FOtlM 0 MAPLMS PL 3394? FIRST MORTGAGE THIS SECOND MORTGAGE ('Swunty InsWiment") is given on 196_�_ The Second Mortgage s. Callie Pearl Allan, a single mean ('Borrower"). Thle Seventy kmWu rnent Is given to Collier county_ ("Lender'), which is ageriM and s�ualwp andgrywlaws of#*UrydSybsof America, and whose address is 2800 North Horseshoe Drive, Naples, Florida 33942 . Borrower owes Lender the sum of fourteen Thousand Two Hundred and Fifty Dollars (US $14 , 250.00). This debt is aids weed by Borrowers Note dated the acme data as thm Security Instrument ("Second MorVepe ), which pro dn for mm" payments with ifie full debt, d not paid eerlier, due and payable on s a 1 e o f proper t y__refinance, or loss of homestead exemption The Security Instrument secures to Lender (a) the repayment of the debt evidenced by the Nola, with iriA d and al renewals, extensions and modifications, (b) the payment of all other sums, with interest advanced under paragraph 7 to protect the security of the Security Instrument; and (c) the performance of Borrower's covenants and agreements under this Security Instrument and the Note. For this purpose. Borrower does hereby second mortgage. grant and convey to Lender the following described property located in Collier County, Florida. As men pertia+iarty deacn bed on Exhibd "A," and which has the address of (•PropsMAddraes•): " 411 First Street South 1 s....- " okalee, Florida 33934 y 1IZ*, TOGETHER WITH al Yh� �ka now or hereafter waded on to property. and all easements, rights, appurtenances, ranks, royakes. nrwal, of and gas riphAi and profile, water rights and stock and all fixtures now or her otter a part of the property. AM replaarr»nb and addlbons sal also be ome ed by the Security Instrument. All of the foregoing is referred to in this Secunty Instrument as the "Property'. BORROWER COVENANTS th916 rover a lawfully seized of the estate hereby conveyed and has the right to mortgage, grark and calwy Ms Property and Met ifs Property i ' ed, except for ancumbrarnces of record Borrower warrants" will defend germsily the title to the Property against all claims eilyd demands, subject to any emumbrannces of record THIS SECURITY INSTRUMENT comboss uniform covenants for national use and rnon-uniform covenants with kin tad variation by jurisdiction to constitute a urtiform security nstrument cgoveri g real property UNIFORM COVENANTS Borrower and-��ndai"Covenant and agree as tdbwa 1. Paymerit of Prkrolpiel and Intwtst, Pre ilttont and Late Charges. Borrower shag promptly pay when due the principal of and interest on the debt evidenced by to i Taxes. The Mortgagor will pay al faxes fs, sewer rents or water rates prior to the accrual of any penalties or interest thereon. The Mortgagor shag pay or cause to be paid, a !fins, same ksapectively become due. (Art) all taxes and goverrwrsrkal charges of any kind whatsoever which may at any time be lawfully assessed``';;o��._._ri*vied against a with respect to the Property, (2) all uthty and othercharges, including "service charges", incurred or imposed for tie Arllion, maintenance, use, occupancy, upkeep and improveinwk of to Property, and (3) of aesesanwrte or other governments! charges t rtny lewfugy be pad in inatagnents over a period of yew, to Marvepor shag be obligated under the Mortgage to pay or cause to be paid ajo,such installments as are required to be pad during the term of to Mortgage, and afiel, promptly after the payment of any of the foregii:iny, forward to Mortgages evidence of such Payment. 1 AppIcatlon of Payments. Unless applicable law provides all payments received by Lender shall be applied: first, to nn tast due, and, to Principal duo, and last to any late charges due undw�te. 4. Charges: Llama. Borrower shag Pay all taxes, as:essrrants chwgeo, and nnpositions attributable to the Property which may attain priority over tits Serxrky Instrument. tied leasehold payments or � �, d any. Borrower shag promptly furnish to LwxW all nobose of amounts to be pad under this paragraph, and all receipts ev j Mtie,payments. Remove eFrl fxortnPlly 6sctwyo any Yen which has prbrIty over ^' dy.liisVumwk unless Bomowec (a) apreM n venting to to psyment of the obligation secured by the Yen in a mover acceptable to Lendaln, (b) cpntests in good faith the lien by, or deferide against enloroenwt of Me ion on, legal proceedings which in the Lenders opinion operate to: 6 the ariforcerriant of the Yen: or (e) secures from is holder of to Ion an agree mart seM7yctory to Lender aubordnabrg the Yen to this Security ,Instnxrent If Lender determines tat any p d Ms Pnpwty k su bjed to a Yen which may attain priority over the Security Irstruxrwnt. L tipryy' give Borrower a notice derkAyvg to Yon. Borrower shag satisfy the hen or take one or more of the ad i" Set font above withn 10 datfs Nr the giving d notice. L Hazard or Property Inwance. Borrower shell keep the improvements now exi wV or hereafter waded on to Property insured agwst loss by fin, trards included wAftin Ihs lerm "extended c0verage" and any other hhaards, including floods or eoodrg, for which Lender requites riatrsnoe. This insurance shal be minas fts ed in the amounts and for the periods that LwxW, requres. The insurance carrier providing the irneurarics ahal be chosen by Borrower s ibject to Lenders approval which Shall not be unreasonably withhold If Borrower fails 10 maintain coverage described above, Lender may, at Londer's option, obtain coverage to protect Lender's ri©Nt, Property in aoeordance with pwagisph 7 At al brine Mint to Noes is outstanding, this Mortgagor shag martian insurance with respect 167Prertmisea against such risks and for such amounts as are customarily insured against and Pay, as the same become due and payable t preriwuma in reaped tiersto, including, but not Irrnilsd 10. WWI&k nSurarne protecting the interests of the Mortgagor and Mortgagee against loss or damage to the Prwrrsse by fee, ighlriv , and D#W cosu Wbos customarily in"od against (including boiler expki M. t aWoPristo), with a u ndormm st vKWd extended cewrage andorsurwtt including debris removal coverage. Such insurance at all times to be in an amount not Isla than the fug repMansnt coat of the Prarmlag, excknive of footings wd foundations. All inwarioo golds- and renewals ding be acceptable to Lender are! stag include a standard mortgage clause. Lerida shag love Ms r# t Io hold is policies and renewals If bander requires, Borrower shall promply give to Londw all receipts of pad prems" and rerawal notices. in to avert of loss, Bomownr shut give prompt room to the insurance arrive and Lender Lender may make prod of kiss d not made Promptly by Borrower. Unless Lander and Borrower otherwise ogres in writing, insurance proceeds shag be applied to restoration or roper of tie Property damaged, if to restoration or repair is economically feasible and Larder's security is rot lessened If the restoration or repair a not economically feasible or Lender's security would be lessened, the insurance proceeds shag be applied to the sums secured by the Security Msinnwit. whether or rot Men due, with any oxeess paid to Borrower If Borrower abandons the Property, or does not answer wiM+n 30 days a notice from Lender that the insurance carrier has offered to settle a claim, therm Lender may coded the insurarna proceeds Lender moy use the piooseds to repair or restore the Property or to Pay sums secured by the Security Instrument, whether or not then dun. The 30-dsy Period will begin when the notice r mailed. Unless LwxW and Borrower otherwise agree in writing, any application of proceeds to pi im ahal not sideW or posip" to dus class of the monthly payments referred to in Paragraph 1 or change the amount of the pisymwnte. if under paragraph 21 is Property a acquired by L«xNr, Borrowers right to any nwance policies and proceeds tosuilting from damage to to Property prior to is acquisition shall pass to Lender to the extent of the sums secured by this Security InstrumeM immediately prior to the acqu esbon. B. Occupancy, preservation, Malntanance and Protactlon of the Property; Borrower's Loan Appkadm Lwehoids. Borrower, steal occupy, establish, and use the Property as Borrower's principal residence within sixty days after the execution of this Saoxity Ystunrnt erd shot corsi jjs to occupy to Property as Borrowers principal residence for at least one year after the date of occupancy, unless Lander otherwise agrees in writing, which 0onsent shag not be unreasonably withhold, or unless extenuating circumstances exist which we beyond Bonayses control Borrower shag not destroy, damage or impair the Property, allow the Property to deteriorate, or cormmit waste on R .,ro,sd.rp Packet Pg. 1729 OR: 2173 PG: 06 16.D.13.b FObt 0 to Property. Borrower ehel be in dshxA f any forfert re action or proceeding, whether civil or criminal, Is begun that in Landers good kith judgment could remit in forfed re of the Property or olhorwas mebrialy impair tha lion created by in Security Instnrnent or Lando a security interest Borrow may cure such a default and reinstate. as provided in paragraph 1B, by touring to action or procas I to be diamweed with a ruing Mat in Lender's good fallh delrm inabon. precludes forbast of to Borrowers interest in to Property or other r inner ial inpair 0 of the ben created by Mrs Sear" Instrument or Lender's security interest. Borrower shol also be in dehwlt it Borrower, during the teen apptieation process, Dave matansly false or inaccurate rformabon or statements to Lender (or failed to provide Larder with any rnrlerial indon.MM ) in ommCbon with to ban evider+eed by the Note, including. but not kydod lo, rpresafatiors concemirg Borrowers occupancy d Mo Property an a principal said ruce. M Mrs Scarily Instrument is on a Iraeshold. Borrower Mall comply with al to provision Of to Wines. if Borrower acquires fee 6" to to Property, the Ise"hoid and to fee title alai not merge unless Lender agrees to to merge in writing. 7. Probe Bon of Undor's Rights in the Property. M Borrower ink to perform the covenerfs and agreeme me corMai ood in the Security Instrument, or two is a WOW proceeding that may 00 fy affect Lender's rights in the Property (such an a prooaadirhg in bw*%; ty, pia' ' . for condemnation or forfeitrc or to enforce lows or regulation), than Lender may do and pay for whMover is necessary b protect tie vales d Ma Pmapsrty and Larder's hgfMs n the Property. Lenders actions May include paying any suns sacred by a fern which has priority over this Saaxrty Instrument appearing in court, paying reasonable ettorMys' fees and entering on the Property to make reports. Although Lender may take -chr urder this paragraph 7, Leda does not have to do so. Any wrictrnts disbursed by Under under to proptpit 7 shal ' r omrr adomW debt of Borrow- soared by On Security Iratrurref. Urrass Borrover and Larder agree b other terms d payment "an paymeamants Mal boar intoreot from to data d diabtxwmwA at the Note rate ad Mal be payable, with interest upon notice from Lender to Borrower requesting Payment {. Mortgage Insvanoo. t Lender ro*wod mortgage reurernes as a condition d making the teen seared by this Security Instrument Borrow- do pay pa+Wne MOW to mharfarh the mor%fts insurance n Mleot It. for any reson, the mortgage rbsm"W" coverage required by a ccessc b be n effect. Borrower MWI pay to prernitma requred to atobrn coverage substantially equi elon t b to win"-" previously in effect, at a cost substantially equivMerrt b the cost to Borrower Of nwrt inance sur previa+MY in effect, hen!a �sa" 0 mortgage ineurar approved by Larder. If uk$Uwbaly ogtrvsWit rrhortgsge insurance 09 not available, Borrower ahal pj;;'Landerac eh mh b d orfa sum equal ors•twaft the yasrly mortgage insurer— promrun being paid by y Borrower w/an to iauanoe coverage broad or cessed b be in dfeot. Lender will accept, use and retain Mess payments as a bee ms" ah in leu of.. a insurance. Loss reserve payments may no longer be required, at is option of Lander, f mwlgage insurance covespa (n c the amount and for the period Mat Larder requires) provided by an insurer approved by Lender again becomes eveiable and to obtained � Borrower Mall pay the prermwnw required to maintain mortgage nsunnce in Mfeot, or b provide a loss reserve, and the requirement for p mortgage insurance ends in accordance with any written agreemeM between Borrower and Larder or applicable low. 2 it Inspection. Larder or its agent may make ressaabis entries upon and inspections of the Property. Lender shall give Borrower C notice at the time of or prior to an inspection spec" reasonabis cause for to inspection. c 10. CotdawetBon The pmooasrI of any award or dun for drrsgss, direct or corseque n0ai, in correction with any condemnslon o or other taking of any part d the Property. or for convoy" in lieu of condemnation. are hereby assigned and Mal be paid b Lander. in to ; evert of a loll soling of Me Property, the proceeds applied to tie sums secured by Mrs Security Instrument whether er or not ten des. with any excess paid to Borrower. In the event a MGM Wung of to Property, in which the far market vales of tw property irrrrnadiatMy y b 1,, the tabrg is equal b or grool r than the arnu$L!nt turns by Mrs ScctritY Iretrnrhhcrn mmnsdhaWy before the taking, unless cn Borrower er and Linde otherwise ogres inwrilrs thesuits,,�u by 1te Scarify InstrnnheM alai be reduced by the amour d to prate naNpfad by erne folowig lraction: (e) to bbl amour aF11ns a+ a ssaxad nrre"Wy before to taking, divided by (b) the for morkst vale a of to Property, imnadiaWy before the taking. My boil* shad to paid to Borrower in go d g d to evera partial taking to Property in which = to fair markat vale of the Property immediately bsbn;,t taking is less than the amount of the sums secured nnadhby for to taking, urban Borrower and Under G#Wvno agree in writing or unions appboobin law of herwair provides. the proceeds shall be applied In to summs o secured by trs Saeurity IBtrtnent whether or not to sums are that%:dux Unless Lender and Borrower otherwise agree in writing. any in applcaton of proceeds to principal Mal not extern or postpone Viad�iiidato d Mo rrnorphniy payments referred b nparagraphs / or change the amount of such psymnrNa. 11. Borrower Not Rabasad, Forbowence By Larder,&,w&or. Extension of the timefor psymorn or nwdiaeatiorh of ai amon to ssecured by this Security instrument Worried by La Kier to y successor in ~am d Borrower shsl rot operas aMratid um b Q release so iab* d to orgro l Borrower or Bomowses suoocceore in interest.. L shhel red be requured b cormrnwon prooandirga ahDarhet any successor in interest or relsa to mad tno for payment or otewies d to sums seared by this Security Instrument by reason d demand made demartade by to original Borrower or Borrowers jn interest. My forbeere nce by Lender in erercleinD any r0 right or remedy shall not boo waiver d or prcckde the axwme d any nght, . 12. suoonsors ad Assi ro Bou nd; Joint and Several Liabift 60s. The covernnts and aWwroras of this Scaunty ou Instrument shall bind and boo to succassm and assigns of Ladder ad »fit to the 0 Provisions of paragraph 17. Borrower's covenants and egnemrns shad be joritand several Any Borrower who co-signs this Security u nabtmt bu does not swcxule to Nods, (a) s 01>WWV the Security netrument only to mortgage, grad and convey that Borrower's interest � in to property under to of d Mira Scarily Wine uno t, (b) a not personally obligated to Pay to two secured by tie Security Wsotrnwnt and (C) agrees set Lander and any char Borrower may agree b wind. modfy, forbear or male any bons wMh regard b the lame m of the Security Instrument or the Note witwut that Borrowers consern nnodc t & L.o.n Chagas. iftwbwsocwodbyt"securvtyinwu"witiesubjedloolovtJ sets memr drm ban charges, and tat � laws MWy rmYrpreted w that to Merest or other ban Barges collected or to be collected in with Ile loan exceed to pemhilled a) brats, tan: (a) any such loan doge shel be reduced by the amount necessary to reduce is charge b�ha permitted knit and (b) any sums £ already collected from Borrow- which exceeded p ion ilted knits will be rounded b Borrower tend r"M y chime b make thus rshmd by w reducing to principal mod under Note or by rnsl ng a direct payment to Borrower. If a mfuril'pid' s Prndpal, to reduction will be ow _ treated as a penal prepayment without any proprymen charge under is Note. Q 14. Mode". Any notice to Borrower provided for in tee Seeurny Instrument Mel be given by dekvenng I orby -chirp a by fast cbw mat unlces appbeeble low rsqured uw d aotw mncthod. The notica shall bo drected b the Property Address a any otheraddress Borrower dergnaM by riginco b Under Any na l , to Lender shad be Divan to Borrower or Lender when given as provided in tlrs px►cvsPhm 16. Oovervitg Utw; 8ow►ablkY. This Security Waahmrrt Mal be governed by federal law and the law of the juisdiction in which the Property Is banned. In the event 1Mt any prom on or CWM of this Soeunty inignme ht or to NOW ca Nbc with applicable low, such caW Mai rod affect otter provisions d this Security lratrhrrnsM or the Note which Can be given effect witout to cordbctig Provision. To Sea and Me provisions of to Security nstrurtharht and the Nola are declared b be savereble. 14. Boryow nes Copy. Borrow Mal be given one Conformed copy of is Note and of tea Security nstrurwht 17. Traofa of the Pr'opartY Or a Beneficial interest in Borrowo. M at or any pat of the Properly or any interest nit is sold or transferred (or f a' fl,' nierset in Borrower is sold or transferred and Borrower is not a natural person) wecul Undoes prior written oo naaht. Lender "my. at an option, require imrmedisle payment in full d so aura secured by this Security katrunent However, thin option shed not be exercised by Lender f exercise s prohibited by federal law as of the data of to Security nstrumort If Lander exercised Mrs option, Lender Mall give Borrower rnoboe of acceleration. The notice Mel provide a period of not lees ton 30 days from Ma ciao to nati' is d*.wed or mailed within which Borrower must pay al stuns secured by this Security nsthmnL It Borrow fail ID pay Maas sum prior b to expiation of Ihrs period, Lender may invoke any remedies Permitted by the Security Inalrumwf without further nMir n a dsmand on Borrower. I & Borrower's Right b Rni able. s Borrower meets certain conditions, Borrower Mai hove the right b have enforcement of this Soarity instrument discontinued at any trine prior b to swim of (a) 5 days (or such other period so applicable law may specify for rninebbrren) before sale of to Property pursuorn to any power of sale contained in this Security Instrument or (b) entry Of a judgmsM sttorcri Mfrs Saourrty inclement Those conditions are that Borrower (a) pays Larder all sum which ton would be dux under this Seamy hsaunrt and to Nob as fro accalraI - had ocaxred, (b) cures and detail of any other covenants or apeemwfs; (c) Pays e• expenses incurred in afacir this Security Mstiument rcltd ig. but not tinned to, reasonable allomwy's fese, and (d) takes such action as Larder May reasonably require to asere sW to tart of to Sectrity Instrument, Lenders rights in to Property and Borrowers oblgaN' to Pay to acme secured by Mrs Security kaaurwnt shal continue unchanged, Upon reinstatement by Borrower, to Security Instrument and to obligations seared hereby Mal remain fully atfe b as f no accoi rs ion had occurred. However, thin right to reinstate shell not apply in to torso of wonwrobon under pxersgreph 17. Packet Pg. 1730 —.,, d.w 16.D.13.b OR: 2173 PG: 065 FORM 0 19. slab d Nob; Change of Loan Set Acm The Nob or a prod interest in the Nob (together with this Serxrty kntrunwit) may be said ae or more times without prior notice to Borrower A eels may saute in a change in the entity (known as the "Loon Sarvicd') that cobcls manthty payments due under the Nob and this Security Instrument. There abo may be one or more changes of the Loan Se vier ursskrhid to s sae d Me Nob. M Men a s cho of the Loan ServKw, Borrower will be pion wrRbn notice of the chrga in accrdrae with paragraph 14 and sppdeabls law. The notice wid stab the name and address of the now Loan Srvicr and Me address to which paynrrta Would be., . The notice aid also canton any other information required by applk�.abio law. 20. Hazardous Gubsbraw Borrow Writ not cane or print the presence. use, deposal, straps, or roWsoo of any Hazardous Subabrces an or in Mrs Property. Borrower Wed not do, nor slow anyone else to do, anything affecting the Property that is in vmma of any Environmental Law. The preceding two sentences shad not appy to the presence, use, or storage on the Property of smell quantities, of Hazardous Substances that are gonraly reoogrued to be appropriate to normal residetid uses and to meirtwwwo of the Proprty. Bonowar chat promptly give Lender within row for any kn..og.Ma+, dam, den 0 . IswuA or other action by any gov«rnartr or reptaMory agency or prirsb party kwo1oing the Property and any Hazardous Substance or Environmental Law of which Borrower has.card knowbdge M Brrraw hirra. r a rcWad by any gawrmentd a' regu Mory out o►ity, that any rooval r otleo rrrndMw of any Hazrdow Su atsnce ofbctig Me Property is necessary. Borrower shad promptly take al necessary remsdid actions in accordance wah Environ our Low. As and in to pargaph 20, %v rdaw Sttabnoes" are Maw subataraes defied as trot or hazardous subdarcee by EnwonnwrW Law and the folowdrg substances. gesoiine, karowre, steer forrnsble or toxic pslrolsurn products, toxic pesticides and herbicides, voalM soAwrts, malariae containing sabesloe r fornaldshyde, and ndioncius rttw6 h. As used in the pwWVh 20. 'Erwronnxiin Law^ means federal laws and lsws of t e )urrdicion where" Prop" is bce ed that relate t heelth, safety or envrarrentsl protection. 11. AoesiraYri; Rsnta II Lender dal give rnoioe to Borrower prior to scceisrabrn f0dowing Borrower's breach of any coverart r agrsonartt into Securq krtnrrt rt (but not prior ic amearaien urdr aragraph 17 unless appkabb ew providesodurwee). The mice abet spsclfy. (s) Me jb)th* action required tars the defouk, (c) a data, not less then 30 doys from the date the, a given to Borrower, by which to dmmust be axed. and (d) tot takes tare the default an r before the date specified n the notice may nadt n aooelraion d the scene by this Security Instrument. Foreclosure by )udmid proceeding and sate of the Property. The noise ohate itrMnr inform Borrower of teas � . to reinstate aft rxelrstiat and the right to essart in the foreclosure proceeding the non•exoMrae of a default or any der I I of*Ti Po r to acoewaion and foreclosure tf the def&A a not cured on or before to dote spoofed in Me notice, Lander, at as option, may require rmmodUteayment in herd of Y sums secured by the Security Instrument without fetter drrerd aid may foreclose Ito Security Instrument by judicW proceeding Lwdm dad bo attbd to cobd ad expersss named n pursuing Me rarredies provided in this paragraph 21. nduding, but not Yrrited to, reasonable attrney's is" and cadets of the tide evidence !L Rowe. Upon prprant of al ors seared by Mis Seamy Iretrdrnert, Larder shnad release the Security Instrument wihout charge, to Borrower. Brrowar abet pay rny,recadabon costs. U Abornsys' fees. As used in t"jSecuxty Instrument and the Nob, "attrrays' fees" shah nciudu any surreys' vas awarded by on appolob cart. I f fa. Wdera to the Security Instrument N one or more rides are executed by Borrow and recorded tgstlw with the Searcy katrunsnt, to rpvrents and agreements of each such rxW shot be incorporated oft and shed amend and supplement the covenants and agrssmrta of this Security Instrument se 0 the n dw(a) works art of Minis Security Instrument. mennt. (Check Appkcsble Box) f 1 Adju stobe Rab Rider o3ndualed Payment Ride Balloon Ride ( 1 Otlmer(s) (specify Ride Condominium Rider Second Hans Rider Rider Pi need Unit Devebpnent Rider Sr"NO BELOW. Borrow acospfs Ord egress t the tans and WOW", in this Securay Instrument and in any rider(s) exacutsd by Borrower and recorded with lt. Signed, sesed and ddiwred in the presence of. Ste. Signature \_1 ,sit b1 F 1r1. _(Sad) Brrowr Ct a pearl Allan Print Name. Address 411 First S Immokalee, STATE OF COUNt'Y OF I hereby ertify that on this day,, before me, an officer duly authorized in th d e stab sforessid avid in the county aforesaid t take scknoMedgnena. ply •Pared C Q\\ , e agR `l I ("1 I_(� , to me known to be the perm a) described in and who executed the Foregoing nstrurrent and ackrowledged before me that executed to same for the purpose therm expressed. WITNESS my hand and oMicid Zft and State aforesaid Mvso day dMy Commisson Expires. 's Signahxe 1 _�IWA_ l Notary's Printed Name 0 2 0 0 N c a� Q O ern N U 0 a U U 0 Ca (SEAL) JENWIER M. CAAWSELL F NAY CWUSS ON / CC16 M t](MS t May 29 Im 3 � F7MD(O THWI Flute rW ae1xlAMCi, MC Packet Pg. 1731 ­wred.rp *** OR: 2173 PG: O 16.D.13.b FM 0 Mshibit -A" South Imnokalee Heights subdivision, Block 1, Lot 6, as per Plat Book 1963, Page 1838, Public Records of collier County, Florida. 4- a Packet Pg. 1732 Collier County Property Appraiser 16.D.13.b Property Summary Site 411 S Site Zone Parcel No 74030160001 Address 1ST ST Site City IMMOKALEE *Note 341, *Disclaimer Name / Address ALLEN EST, CALLIE PEARL JAMES MOBLEY SR 411 S 1ST ST City I IMMOKALEE State I FL I Zip 1 34142-4003 y as Map No. Strap No. Section Township Range Acres *Estimated 2E04 634300162E04 4 47 29 0.13 0 Legal IS IMMOKALEE HGTS BLK 1 LOT 6 OR 1963 PG 1838 00 0 Milla a Area 0 5 Millacie Rates O *Calculations Sub./Condo 634300 - SOUTH IMMOKALEE HEIGHTS School Other Total 10 Use Code v 1 - SINGLE FAMILY RESIDENTIAL 4.889 9.9108 14.7998 n a Latest Sales History 2021 Certified Tax Roll n Not all Sales are listed due to Confidentiality) (Subiect to Change) c Date Book -Page Amount 05/01/94 1944-2139 $ 6,600 Land Value $ 23,01 +) Improved Value $ 28,21 (_) Market Value $ 51,21 (-) 10% Cap $ 13,71 (_) Assessed Value $ 37,51 (_) (_) School Taxable Value Taxable Value $ 51,21 $ 37,51 0 N Q 0 0 c 0. If all Values shown above equal 0 this parcel was created after the Final Tax Roll c� 00 Q Packet Pg. 1733 3494354 OR; 3664 PG; 0 16.D.13.c RECORDED in OEHICIAL NHCORDS of COLLIER COUNTY, FL I0/20/2004 at 02:23P1 DVIGET H. BROCX, CLERK SECOND MORTGAGE Retn; LAWYERS TITLE 5I25 CASTELLO DR RAPLHS FL 34103 THIS SECOND MORTGAGE ("Security Instrument') is given on August,??, 2004 The Second Mortgagor is: Cynthia Alvarado, A Single Person OBLD 10000,00 OBLI 10000.00 He HE 27.0a DOC-.35 35A0 9 gate ("Lender"), which is organized and existing ("Borrower"). This Security Instrument is given to Collier Co under the aws ofthe United s ofAmeriGa, and ose is 2800 3 104 .lb r Borrowers o s Note dated -sum a date asthisSecurityns In d No/1 North Horseshoe Drive . Florida 34104 .Borrower owes Lender the sum of Ten Thousand an No/100ths Dollars {U.S. S 10,000.00 ). This debt is Y Instrument ("Second Mortgage"), which provides for monthly payments, with the full debt, if not paid earlier, due and payable on sale of property, refinance or loss of homestead exemption . This Security Instrument secures to Lender. (a) the repayment of the debt evidenced by the Note, with interest, and all renewals, extensions and modifications; (b) the payment of all other sums, with interest advanced under paragraph 7 to protect the security of the Security Instrument; and (c) ff;>Ee performance of Borrower's covenants and agreements under this Security Instrument and the Note. For this purpose, Borrower does here second mortgage, grant and convey to Lender the following described property located in Collier County, Florida. ;'fix- AS more particularly descnbeii 1 5, Carson Lakes, Phase 11, Collier County, Florida and which has the address of: ("Property Address"): 46arson Ickes --Circle, Immokalee, FL 34142 TOGETHER WITH all the impiirq�*}re m'''et(ts now or hereafter erected on the property, and all easements, rights, appurtenances, rents, royalties, mineral, oil and gas rights aftWprofits, water rights and stock and all fixtures now or hereafter a part of the property. All replacements and additions shall also be covered -by the Security Instrument. All of the foregoing is referred to in this Security Instrument as the "Property"_ BORROWER COVENANTS that Borrow " is lawfully seized of the estate hereby conveyed and has the right to mortgage, grant and convey the Property and that the Property is un- ` cumbe, except for encumbrances of record. Borrower warrants and will defend generally the title to the Property against all claims an r - nds, subject to any encumbrances of record. THIS SECURITY INSTRUMENT combine's `nifin covenants for national use and non -uniform covenants with limited variation by ..,. jurisdiction to constitute a uniform security instrumenf't',ave; g`teat property - UNIFORM COVENANTS. Borrower and Lender ert and agree as follows: 1. Payment of Principal and Interest; Pre Y P pY> Late Charges. Borrower shall promptly pay when due the principal of and interest on the debt evidenced by the Note. �- 2. Taxes. The Mortgagor will pay all taxes, ass pn saver rents or water rates prior to the accrual of any penalties or interest thereon. a P The Mortgagor shall pay or cause to be paid, as the sa ` e res' 6ively become due, (A)(1) all taxes and governmental charges of any kind whatsoever which may at anytime be lawfully assess ..- vrY dgainst or with respect to the Property, (2) all utility and other charges, including service charges", incurred or imposed for the op n .J aintenance, use, occupancy, upkeep and improvement of the Property, and (3) all assessments or other governmental charges that rt , a., Ily be paid in installments over a period of years, the Mortgagor shall be obligated underthe Mortgage to pay or cause to ' " p'a rt(y; uch installments as are required to be paid during the term of the Mortgage, and shall, promptly after the payment of any of thegf' a rd to Mortgagee evidence of such payment 3. Application of Payments. Unless applicable law provides pthg�1, it payments received by Lender shall be applied; first, to interest due, and, to principal due; and last, to any late charges due under 4. Charges; liens. Borrower shall pay all taxes, assessments, chars, f# end impositions attributable to the Property which may attain priority over this Security Instrument, and leasehold payments or groilrtrFter te;-.'f any- Borrower shall promptly fumish to Lender all notices of amounts to be paid under this paragraph, and all receipts evidencinr�`ifi air' ents. Borrower shall promptly discharge any lien which has priority aver this Ser n�`Iq' ment unless Borrower. (a) agrees in writing to the payment of the obligation secured by the lien in a manner acceptable to Lender'. " ntests in good faith the lien by, or defends against enforcement of the lien in, legal proceedings which in the Lender's opinion operate to prevenf nforcement of the lien; or (c) secures from the holder of the lien an agreement satisfactory to Lender subordinating the Lien to this Se" , y rument If Lender determines that any part of the Property is subject to a lien which may attain priority over the Security instrumen ; t-� rmay give Borrower a notice identifying the lien. Borrower shall sat sfy the lien or take one or more of the actions set forth above M'-tb ci;ft). y of the giving of notice. 5. Hazard- or Property Insurance. Borrower shall keep the improvements now exist(itggo�rr heleafter erected on the Property insured against loss by fire, hazards included within the term "extended coverage" and any other haZaf ;eluding floods or flooding, for which Lender requires insurance. This insurance shall be maintained in the amounts and for the s;3haf Lender requires. The insurance carrier providing the insurance shall be chosen by Borrower subject to Lender's approval which sha�ot e ' reasonably withheld. If Borrower falls to maintain coverage described above, Lender may, at Lender's option, obtain coverage to' Lender's rights in the Property in accordance with paragraph 7. At all times that the Note is outstanding, the Mortgagor shall maintaiirrsurance with respect to the Premises against such risks and for such amounts as are customarily insured against and pay, as the scal1�1e eecrri� due and payable, all premiums in respectthereto, including, but not limited to , all-risk insurance protecting the interests of the ortgagor and Mortgagee against loss or damage to the Premises by fire, lightning, and other casualties customarily insured against (including boiler explosion, if appropriate), with a uniform standard extended coverage endorsement, including debris removal coverage. Such insurance at all times to be in an amount not less than the full replacement cost of the Premises, exclusive of footings and foundations. All insurance policies and renewals shall be acceptable to Lender and shall include a standard mortgage clause. Lender shall have the right to hold the policies and renewals. If Lender requires, Borrower shall promptly give to Lender all receipts of paid premiums and renewal notices. In the event of loss, Borrower shall give prompt notice to the insurance carrier and Lender. Lender may make proof of loss if not made promptly by Borrower. Unless Lender and Borrower otherwise agree in writing, insurance proceeds shall be applied to restoration or repair of the Property damaged, if the restoration or repair is economically feasible and Lender's security is not lessened. If the restoration or repair is not economically feasible or Lender's security would be lessened, the insurance proceeds shall be applied to the sums secured by the Security Instrument, whether or not then due, with any excess paid to Borrower. If Borrower abandons the Property, or does not answer within 30 days a notice from Lender that the insurance carrier has offered to settle a claim, then Lender may collect the insurance proceeds. Lender may use the proceeds to repair or restore the Property or to pay sums secured by this Security Instrument, whether or not then due. The 30- day period will begin when the notice is mailed. Unless Lender and Borrower otherwise agree in writing, any application of proceeds to principal shall not extend or postpone the due date of the monthly payments referred to in paragraph 1 or change the amount of the payments. If under paragraph 21 the Property is acquired by Lender, Borrower's right to any insurance policies and proceeds resulting from damage to the Property prior to the acquisition shall pass to Lender to the extent of the sums secured by this Security Instrument immediately prior to the acquisition. 6. Occupancy, preservation, Maintenance and Protection of the Property; Borrower's Loan Application, Leaseholds. Borrower shalt occupy, establish, and use the Property as Borrower's principal residence within sixty days after the execution of this Security Instrument and shall continue to occupy the Property as Borrower's principal residence for at least one year after the date of occupancy, unless Lender otherwise agrees in writing, which consent shall not be unreasonably withheld, or unless extenuating circumstances exist which are beyond Borrower's control. Borrower shall not destroy, damage or impair the Property, allow the Property to deteriorate, or commit waste on the Property. Borrower shall be in default if any forfeiture action or proceeding, whether civil or criminal, is begun that in Lenders good faith judgment could result in forfeiture of the Property or otherwise materially impair the Tien created,by this Security Instrument or Lender's N m ar R ar 1= 0 0 c 0 u w N l0 N a 2 N 0 rn in 0 0 v R R Q O N N 0 O 0 a c Y V R M Packet Pg. 1734 OR; 3664 PG; 075 16.D.13.c security interest. Borrower may cure Such a default and reinstate, as provided in paragraph 18, by causing the action or proceeding to be dismissed with a ruling that, in Lenders good faith determination, precludes forfeiture of the Borrowers interest in the Property or other material impairment of the lien created by this Security Instrument or Lender's security interest. Borrower shall also be in default if Borrower, during the loan application process, gave materially false or inaccurate information or statements to Lender (or failed to provide Lender with any material information) in connection with the loan evidenced by the Note, including, but not limited to, representations concerning Borrower's occupancy of the Property as a principal residence. If this Security Instrument is on a leasehold, Borrower shall comply with all the provision of the lease. If Borrower acquires fee title to the Property, the leasehold and the fee title shall not merge unless Lender agrees to the merger in writing. 7. Protection of Lender's Rights in the Property. If Borrower fails to perform the covenants and agreements contained in this Security Instrument, or there is a legal proceeding that may significantly affect 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 forwhatever is necessary to protect the value of the Property and Lenders rights in the Property. Lenders actions may include paying any sums secured by a lien which has priority over this Security Instrument, appearing in court, paying reasonable attorneys' fees and entering on the Property to make repairs. Although Lender may take action under this paragraph 7, Lender does not have to do so. Any amounts disbursed by Lender under this paragraph 7 shall become additional debt of Borrower secured by this Security Instrument Unless Borrower and Lender agree to other terms of payment, these amounts shall bear interest from the date of disbursement at the Note rate and shall be payable, with interest, upon notice from Lender to Borrower requesting payment 8. Mortgage Insurance. If Lender required mortgage insurance as a condition of making the loan secured by this Security Instrument, Borrower shall pay the premiums required to maintain the mortgage insurance; in effect. If, for any reason, the mortgage insurance coverage required by Lender lapses or ceases to be in effect, Borrower shall pay the premiums required to obtain coverage substantially equivalent to the mortgage insurance previously in effect, at a cost substantially equivalent to the cost to Borrower of the mortgage insurance previously in effect, from an alternate mortgage insurer approved by Lender. If substantially equivalent mortgage insurance coverage is not available, Borrower shall pay to Lender each month a sum equal to one -twelfth of the yearly mortgage insurance premium being paid by Borrower when the insurance coverage lapsed or ceased to be in effect. Lender will accept, use and retain these payments as a loss reserve in lietf,of, mortgage insurance. Loss reserve payments may no longer be required, at the option of Lender, if mortgage insurance coverage (in.jifre amount and for the period that Lender requires) provided by an insurer approved by Lender again becomes available and is tined" orrower shall pay the premiums required to maintain mortgage insurance in effect, or to provide a loss reserve, until the requirementfdr ktgage insurance ends in accordancewith any written agreement between Borrower and Lender or applicable law. w S. Inspection. Lender Or its,a nt may make reasonable entries upon and inspections ofthe Property. Lender shall give Borrower notice at the time of or prior to ais` rspe bi . Pecifying reasonable cause for the inspection. 16 ar 10. Condemnation. The ceetisnf any award or claim for damages, direct or consequential, in connection with any C condemnation or other taking of any parf, ; Property, or for conveyance in lieu of condemnation, are hereby assigned and shall be paid to 2 Lender. In the event of a total taking' a Property, the proceeds shall be applied to the sums secured by this Security Instrument, whether or not then due, with any excess paid to Borro%yerr n the event of a partial taking ofthe Property, in which the fair market value of the o Property immediately before the taking is eguai4,a greater than the amount ofthe sums secured by this Security Instrument immediately a before the taking, unless Borrower and Lend"err of ` rwise agree in writing, the sums secured by this Security Instrument shall be reduced by the amount of the proceeds multiplied by the i." l wing fraction: (a) the total amount ofthe sums secured immediately before the taking, ro divided by (b) the fair market value of the ProAy itm � ely before the taking. Any balance shall be paid to Borrower, In the event of a w partial taking of the Property in which the fair market slue . the Property immediately before the taking is less than the amount of the sums is secured immediately for the taking, unless Borrowe' ( c� L n.der otherwise agree in writing or unless applicable law otherwise provides, the to proceeds shall be applied to the sums secured by thfsecu Instrument whether or not the sums are then due. Unless Lender and a Borrower otherwise agree in writing, any application of'r 'sp principal shall not extend or postpone the due date ofthe monthly= payments referred to in paragraphs 1 or change the a auuvt stirpayments. to 11. Borrower Not Released, Forbearance By'Len'iter<ko a Waiver_ Extension ofthe time for payment or modification of c amortization ofthe sums secured by this Security Instrumenti [j`�ante Lenderto any successor in interest of Borrower shall not operate to in release the liability of the original Borrower or Borrowers succ rs. i erect Lender shall not be required to commence proceedings CD any successor in interest or refuse to extend time for pal met t. ' Q erwise modify amortization of the sums secured by this Security Instrument by reason of any demand made by the original Borrotie ' r Bon ers successors in interest Any forbearance by Lender in p exercising any right or remedy shall not be a waiver of or preclude thee' '.cot any right or remedy. v 12. Successors and Assigns Bound; Joint and Several' tii[it1(;=CoSigners. The covenants and agreements of this Security Instrument shall bind and benefit the successors and assigns of Lends[ afiii;o., er, subject to the > Provisions of paragraph 17. Borrowers covenants and agreements shall be.61 d several. Any Borrower who co-signs this Security Q instrument but does not execute the Note; (a) is co-signing this Security In en oNY to mortgage, grant and convey that Borrowers � interest in the Property under the terms of this Security instrument; (b) is no peTsp I bligated to pay the sums secured by this Security O Instrument; and (c) agrees that Lender and any other Borrower may agree to'ezl' erf3 fy, forbear or make any accommodations with N regard to the terns of this Security Instrument or the Note without that BorrowerLs=boh rot N 13. Loan Charges. If the loan secured by this Security Instrument is silo ct.to haw which sets maximum loan charges, and that 0 law is finally interpreted,so that the interest or other loan charges collected or to be Golf ed in connection with the loan exceed the permitted limits, them (a) any such loan charge shall be reduced by the amount necessary to reducethe charge to the permitted limit; and (b) any sums C already collected from Borrower which exceeded permitted limits will be refunded to Borro elfgpder may choose to make this refund by Y reducing the principal owed under the Note or by making a direct payment to Borrower. IM efuiyc reduces principal, the reduction will be rva treated as a partial prepayment without any prepayment charge under the Note.. -° pp 14. Notices, Any notice to Borrower provided for in this Security Instrument shall beg `en l?jtdelivering it or by mailing ft by first class mail unless applicable law required use of another method. The notice shall be directed P. r P?rty Address or any other address 4) Borrower designates by notice to Lender. Any notice to Lender shall be given to Borrower or LendP f ,'§iven as provided in this E paragraph. �. `, 16. Governing Law; Severabi€ity. This Security instrument shall be governed by federaHaw i law ofthe jurisdiction in 2 which the Property is located. In the event that any provision or clause of this Security Instrument or the Ngie, gflicts with applicable taw, wt4IoQ such conflict shall not affect other provisions of this Security Instrument or the Note which can be given effe'ct out 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 ofthe Note and of this Security Instrument. 17. Transfer of the Property or a Beneficial Interest in Borrower. If all or any part ofthe Property or any interest in it is sold or transferred (or if a beneficial interest in Borrower is sold or transferred and Borrower is not a natural person) without Lenders prior written consent, Lender may, at its option, require immediate payment in full of all sums secured by this Security Instrument However, this option shall not be exercised by Lender if exercise is prohibited by federal law as of the date of this Security Instrument. If Lender exercised this option, Lender shall give Borrower notice of acceleration_ The notice shall provide a period of not less than 30 days from the date the notice is delivered or mailed within which Borrower must pay all sums secured by this Security Instrument. If Borrower fails to pay these sums prior to the expiration of this period, Lender may invoke any remedies permitted by this Security Instrument without further notice or demand on Borrower. 18. Borrower's Right to Reinstate. If Borrower meets certain conditions, Borrower shall have the right to have enforcement ofthis Security Instrument discontinued at any time prior to the earlier of: (a) 5 days (or such other period as applicable law may specify for reinstatement) before sale of the Property pursuant to any power of sale contained in this Security Instrument; or (b) entry of a judgment enforcing this Security Instrument. Those conditions are that Borrower (a) pays Lender all sums which then would be due under this Security Instrument and the Note as if no acceleration had occurred; (b) cures and default of any other covenants or agreements; (c) pays all expenses incurred in enforcing this Security Instrument, including, but not limited to, reasonable attorney's fees; and (d) takes such action as Lender may reasonably require to assure that the lien of this Security Instrument, Lenders rights in the Property and Borrowers obligation to pay the sums secured by this Security Instrument shall continue unchanged. Upon reinstatement by Borrower, this Security Instrument and the obligations secured hereby shall remain fully effective as if no acceleration had occurred. However, this right to reinstate shall not apply in the case of acceleration under paragraph 17. 19. Sale of Note; Change of Loan Servicer. The Note or a partial interest in the Note (together with this Security Instrument) may be sold one or more times without prior notice to Borrower. A sale may result in a change in the entity (known as the "Loan Servicer') that collects monthly payments due under the Note and this Security Instrument. There also maybe 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 ofthe change in accordance with paragraph 14 and applicable law. The notice will state the name and address ofthe new Loan Servicer and the address to which payments should be made. The notice will also contain any other information required by applicable law. Packet Pg. 1735 *** OR: 3664 PG; 075 16.D.13.c 20. Hazardous Substances. Borrower shall not cause or permit the presence, use, disposal, storage, or release of any Hazardous Substances on or in the Property. Borrower shall not do, nor allow anyone else to do, anything affecting the Property that is in violation of any Environmental Law. The preceding two sentences shall not apply to the presence, use, or storage on the Property of small quantities of Hazardous Substances that are generally recognized to be appropriate to normal residential uses and to maintenance of the Property. Borrower shall promptly give Lender written notice for any investigation, claim, demand, lawsuit or other action by any governmental or regulatory agency or private party involving the Property and any Hazardous Substance or Environmental Law of which Borrower has actual knowledge. If Borrower learns, or is notified by any governmental or regulatory authority, that any removal or other remediation of any Hazardous Substance affecting the Property is necessary, Borrower shall promptly take all necessary remedial actions in accordance with Environmental Law. As used in this paragraph 20, "Hazardous Substances" are these substances defined as toxic or hazardous substances by Environmental Law and the following substances: gasoline, kerosene, other flammable ortoxic petroleum products, toxic pesticides and herbicides, volatile solvents, materials containing asbestos or formaldehyde, and radioactive materials. As used in this paragraph 20, "Environmental Law" means federal laws and laws ofthe jurisdiction where the Property is located that relate to health, safety or environmental protection. 21. Acceleration; Remedies. Lender shall give notice to Borrower prior to acceleration following Borrower's breach of any covenant or agreement in this Security Instrument (but not prior to acceleration under paragraph 17 unless applicable law provides otherwise). The notice shall specify: (a) the default; (b) the action required to cure the default; (c) a date, not less than 30 days from the date the notice is given to Borrower, by which the default must be cured; and (d) that failure to cure the default on or before the date specified in the notice may result in acceleration of the sums secured by this Security Instrument, foreclosure by judicial proceeding and sale of the Property. The notice shall further inform Borrower of the right to reinstate after acceleration and the right to assert in the foreclosure proceeding the non-existence of a default or any other defense of Borrower to acceleration and foreclosure. If the default is not cured on or before the date specified in the notice, Lender, at its option, may require immediate payment in full of all sums secured by this Security Instrument without further demand and may foreclose this Security Instrument by judicial proceeding. Lender shall be entitled to collect all expenses incurred in pursuing the remedies provided in this paragraph 21, including, but not limited to, reasonable attorney's fees and costs of the title evidence. : 4 22. Release. Upan`pa ent of all sums secured by this Security Instrument, Lender shall release this Security Instrument, without charge, to Borrower. BorrgJ sam . ay any recordation costs. 23. Attorneys' FeGis. ` d in this Security Instrument and the Note, "attorneys' fees" shall include any attorneys' fees awarded by an appellate court. . 24. Riders to this Security 1 _ menL If one or more riders are executed by Borrower and recorded together with this Security Instrument, the covenants and a`g�reerrm. ' `'qf each such rider shall be incorporated into and shall amend and supplement the covenants and agreements of this Security Instrum asifthe riders) were a part of this Security Instrument. (Check Applicable Box) ❑ Adjustable Rate Rider ❑ Graduated Payment Rider ❑ Balloon Rider ❑ Others) (specify I— I Rate Improvement Rider ❑ ,1-d Famil' Rider ❑ Bnvee 't Payment Rider SIGNING BELOW, Borrower accepts and agrees executed by BoVower and recorded with it. Signed, seal ansi delivered Witness#1: i rr. t- r A ❑ Condominium Rider ❑ Second Home Rider 0 Planned Unit Development Rider covenants contained in this Security instrument and in any rider(s) of a .,. 4�, Flaoress:`--s,-,SVI' Carson Lakes Circle, '1" b,Jez` e, FL 34142 STATE OF FLORIPA -_. COUNTY OF _ i hereby certify that on this day, before me, an officer duly authorized in the state ' tired and in the county aforesaid to take acknowledgements, personally appeared Cynthia Alvarado to me known to be the person(s) instrument and acknowledged before me that (Het she/ they) executed the samef r the purp WITNESS my hand and official seal in the County and Statefore i this' o� 1 day My Commission Expires: / Y !%E . I. 1. (Seal) tELW BARES = . 67COMMISMN f DDWA, WA ?r y. »CPIRES:Jan File#: 04-158 RETURN T0: LAWYERS TITLE INSURANCE CORPORATION "in and who executed the foregoing N m ar ra Of 0 0 c 0 u w N N a_ x N 0 Ln un 0 N O N R Q O N N 0 O 0 a Y u R m Packet Pg. 1736 INSTR 4540395 OR 4664 PG 351 RECORDED 3/24/2011 11:52 AM PAGES 5 DWIGHT E. BROCK, CLERK OF THE CIRCUIT COURT, COLLIER COUNTY FLORIDA REC $44.00 16.D.13.c bx • IN THE CIRCUIT COURT OF THE TWENTIETH JUDICIAL CIRCUIT IN AND FOR COLLIER COUNTY, FLORIDA CIVIL DIVISION HABITAT FOR HUMANITY OF COLLIER COUNTY, INC., a Florida corpora iio ' Plaintiff, '=\i CYNTHIA ALVARADO.;; Unwn Spouse of CYNTHIA ALVARADO;"EDlERAL HOME LOAN BANK OF ATLANtA, and�_GOLLIER COUNTY, a Subdivision of the:S ate; ` .Florida Defendants. THIS ACTION was heard upon FILE NO. 11-0347-CA L .:ri21 .10 A. WRE Filed it Comp: per Order to Show Cause for Entry of Final Judgment of Foreclosure of the parties for Entry of-Vi ill 'i�tdgment against Defendant, CYNTHIA ALVARADO, and all others claiming by, through or 66ri on the evidence presented, it is ORDERED AND ADJUDGED 1 1. That Plaintiff, HABITAT FOR HUMANITY OF',�C--Q- ,IER COUNTY, INC., a Florida corporation, c/o Douglas L_ Rankin, Esq_, 2335 az �ami Trail North, Suite 308, Naples, FL 34103, is due the following: I` a. Forty -One Thousand Three Hundred Twenty -Five `amend 1100 Dollars ($41,325.46) as Principal balance of the First Mortgage Note, held by Plaintiff with Forty Nine ousand Dollars ($49,000.00) being the principal balance of the FAortgage Note held b PlaintiffY > -1- a Packet Pg. 1737 OR 4664. PG 352 16.D.13.c • b. A per diem of Twenty and .3796789041 Dollars ($20.3796789041) from October 28, 2010 to March 22, 2011, on the First Note, for Two Thousand Nine Hundred Seventy -Five and 43/100 Dollars ($2,975.43) for interest on `. t <First Mortgage Note. C. r"Apdrthem ofTwenty-Four and. 1643 8356161100 Dollars ($24.1643835616) October 28, 2010 to March 22,2011, on the Fourth Mortgage Note, for Three Thousari - tive Hundred Twenty -Eight and 001100 Dollars ($3,528.00) interest'oft Fourth mortgage Note, s d. Two Hundr&I-T.e '61lars ($210.00) as Title Search Fee, e. One Thousand iee iui T dred Nine Dollars ($1,324.00) as Court Costs and service fees, f One Thousand One hours (4.0) at an hourly rate of l t <; E *****for a TOTAL ofNinety-Nine Thousand Foie ($99,462.89), of which Ninety -Two Thousand Nine Hund shall bear an interest rate of Percent per ($1,100.00) as Attorneys Fees (four dred Seventy -Five Dollars ($275.00), ,w �4 wed Sixty -Two and 89/100 Dollars and 46/100 ($92,959.46) 2. Plaintiffs are the holder of Mortgages and Notes on'tfi�,_ 16*ing described real property located in Collier County, Florida: ��---� Lot 75, CARSON LAKES, Phase H, according to the map or plat lhereof recorded in PIat Book 39, Page 77, of the Public Records of Collier County, Florida; 3. Ifthe total sum with interest at the rate described in Paragraph 1 and all costs accrued subsequent to this Judgment are not paid, the Clerk of this Court shall sell the -2- N N O) l6 Of O 0 r- 0 .5 w N a x 0 Ln In 0 CM v R m a 0 N 0 O Q 7 Y V R m c d E �a a Packet Pg. 1738 OR 4664- PG 354 16.D.13.c • 0 IF THIS PROPERTY IS SOLD AT PUBLIC AUCTION, THERE MAY BE ADDITIONAL MONEY FROM THE SALE AFTER PAYMENT OF PERSONS WHO ARE ENTITLED ITLED TO BE PAID FROM THE SALE PROCEEDS PURSUANT TTHS FINAL JUDGMENT_ IP,V,QV;�RE A SUBORDINATE LIENHOLDER CLAIMING A RIGHT TO FUNDS G AFTER THE SALE, YOU MUST FILE A CLAIM WITH THE CLERK N0'_ .TER THAN 60 DAYS AFTER THE SALE. IF YOU FAIL TO w a� FILE A CLAD, OU,SWiLL NOT BE ENTITLED TO ANY REMAINING s O FUNDS. O IF YOU ARE THE PROKR�t,OWNER, YOU MAY CLAIM THESE FUNDS 5 `. 'a h YOURSELF. YOU ARE NOT--3EQUIRED TO HAVE A LAWYER OR ANY y OTHER REPRESENTATIONnTU DO NOT HAVE TO ASSIGN YOUR Cl RIGHTS TO ANYONE ELSE IN `YOU ARE ENTITLED. PLEASELn ;.--'---,YOU ' o f1CIA CHECK WITH THE CLERK OF TI4E CO T COLLIER COUNTY. 3315 EAST o v R TAMI.AMI TRAIL. BUILDING "L" NAP l . FL-3,4112-5324 _(239) 252-8800 ,. a wnww TEN (10) DAYS AFTER THE SAL '-tO, SEE IF THERE IS N ADDITIONAL MONEY FROM THE FORECLOSURE �ETHAT THE CLERK o HAS IN THE REGISTRY OF THE COURT. IF YOU DECIDE TO SELL YOUR HOME ORHIRE SOMEETO HELP YOU m d E CLAIM THE ADDITIONAL MONEY, YOU SHOULD READ VERY �a CAREFULLY ALL PAPERS YOU ARE REQUIRED TO SIGN, ASK SOMEONE a ELSE, PREFERABLY AN ATTORNEY WHO IS NOT RELATED TO THE -4- Packet Pg. 1739 *** OR =4664 PG 355 *** 16.D.13.c 0 i PERSON OFFERING TO HELP YOU, TO MAKE SURE THAT YOU UNDERSTAND WHAT YOU ARE SIGNING AND THAT YOU ARE NOT TRANSFERRING YOUR PROPERTY OR THE EQUITY IN YOUR PROPERTY OUT THE PROPER INFORMATION. IF YOU CANNOT AFFORD TO PA F .!k7ORNEY, YOU MAY CONTACT COLLIER COUNTY LEGAL AID 4555 TO SI E,IF; YOU QUALIFY FINANCIALLY FOR THEIR SERVICES. IF THEY CANN AS-SIRT YOU, THEY MAY BE ABLE TO REFER YOU TO A LOCAL BAR REFF-ALAGENCY OR SUGGEST OTHER OPTIONS. IF YOU CHOOSE TO Co OLLIER COUNTY LEGAL AID SERVICES FOR ASSISTANCE, YOU SHO ;b SO AS SOON AS POSSIBLE AFTER RECEIPT OF THIS NOTICE. This mortgage foreclosure does not forecloset't1q,lien for impact fees due to Collier County but does foreclose out all mortgages sued upon "rr3cl�ucl x g that certain mortgage to Collier County for items other than impact fees. _-- DONE AND ORDERED in Naples, Collier County--Jj:orida this 2Zday of 201E ! I 3425`1t dar, Conformed copies to: ✓DOUGLAS L_ RANKIN, ESQ. �CYNTHIA ALVARADO Unknown Spouse of CYNTHIA ALVARAD ✓ FEDERAL HOME LOAN BANK OF ATLA ✓ COLLIER COUNTY a Packet Pg. 1740 I`4STR 4569594 OR 4688 PG 497 RECORDED 6/3/2011 10:29 AM PAGES 2 DWIGHT E. BROCK, CLERK OF THE CIRCUIT COURT, COLLIER COUNTY FLORIDA DOC@.70 $0.70 REC $18.50 CONS $100-00 16.D.13.c E IN THE CIRCUIT COURT OF THE TWENTIETH JUDICIAL CIRCUIT IN AND FOR COLLIER COUNTY, FLORIDA CIVIL DIVISION HABITAT FOR HUMANITY OF COLLIER COUNTY, INC., a Florida corporation, Plaintiff, FILE NO. I1-0347-CA VS. N ('7 CYNTHIA ALVARADO; Unknown Spouse of CYNTHIA ALVARADO; FEDERAL HOME LOAN BANK OF ATLANTA; and C A. V, IR, E ,� COUNTY, a Subdivision of the St Filed in CO''Linn- i ^ _ Defendants. ' !lT nT1TlPl.T .m'3•rf,T b, ? � ' The undersigned CIerl g ' c titheg e d filed a Certificate of Sale in this action on....Mau. r4 2011, for the prop in o ounty, Florida, described as follows: Lot 75, CARSON L II, accor ' e map or plat thereof recorded in Plat Book 39, P ecords of Collier County, Florida. and no objection to the sale having been filed within the time allowed for filing objections, the propertywas sold to 1}n6,+n}.rr iiumarttbi OP &%lien Cumhl, 4cg Ck FiDY6 rnr raila� at P i 5 Tarniatlu Tv-o.ti -mov-%" S,x,}[— No -pits, rIL 3=kto3- VJ=SS my hand and the seal of this court on dM-e- 3 2011. Clerk of -.-I iiti By: -- ,__ `�- ` .: • t ti c _ (Court Seal) CERTIFICATE . ec N N Gf R a� x O O C O .5 a N a 0 Ln ,n 0 N O v R m a O N N U O 0 a Y V R m c d t a Packet Pg. 1741 OR 4688 PG 498 16.D.13.c • I CERTIFY that a true and correct copy of the foregoing Certificate of Title has been furnished by United States Mail on (���. �s �ot011 to each of the following. vCYNTHIA ALVARADO, 3461 Carson Lakes Circle, Immokalee, FL 34142; FEDERAL //HOME LOAN BANK OF ATLANTA.,1475 Peachtree Street NE, Atlanta, GA 30309; and-' onna Fiala, Chairman, Collier County Commission, COLLIER COUNTY, a Subdivision of the State of -Florida,, 3301 Tamiazni Trail East, Building "F", Naples, FL 34112; aud'DOUGLAS L. RANKIN, ESQ., Attorney for Plaintiff, 2335 Tamiami Trail North, Suite 308, Naples, FL 34103. 42- r Jerk -2- Q Packet Pg. 1742 INSTR 4631539 OR 4740 PG 2651 RECORDED 11/29/2011 4:40 PM PAGES 1 *** DWIGHT E. BROCK, CLERK OF THE CIRCUIT COURT, COLLIER COUNTY FLORIDA DOC@.70 $700.00 REC $10.00 CONS $100,000.00 16.D.13.c ZMpared by oral rewm to W. Jeffrey CecA, Fsq. Porter WrightMnrris & Arthur, LLP 9132 Strada Place Third Floor Napless, FL 3410&2683 239-593-2900 Parcel Identdicagoa No. 25377802528 Warranty Deed (MTWORY FORM -SECTION M.oZ F.SI This Indenture madc rhls _1 day of November, 2011 behvee¢ Habitat for Humanity of Collies Coiity, Inc., a Florida non-profft corporation w1me post oice address is 11145 Tamlamf Trail EasT Naples, FL 34113 of the Crnmty of Collier, Sate of Florida, grantor% and Weardo Vera Rojas and Beetriz A. Ligas Gomez, husband and wife whose post office addles is 3461 Carsoa Lakes Cirdq Immokalee, FL 34142 of the Cormty of COiller, State of Florida, grantee', Witnesseth, that said Ermim far and in comidcration of the sum of TEN AND NO/I00 DOLLARS (S10.00) and other good and valuable coasideradons to said greater in tee, the receipt whereof is hereby aclmowiedged, has granted, bargained, aid sold to the said - 94 'gas forcer, the following described land, sitnaie, tying aid Fxing ii Collier Ceu¢ry Lot 75, Carson Lakes P e a rdiig to the plsi thereof, a Plat Book 39, Pages 77 thm. h78, of th.Pal, c cc of Collier Co¢n Plorida. e sy, Also Imn»v u_ 3461 rson molmiee, 142 Subjecttorestrictio rose 4t p1 n stibseauetuto2011. and said Z ntor does hereby fy t e tall to di def ill age 1I lawfot claims of allpersons wbomsoever. • t and•G As eesc—d fw smants net In Witness Whereot grantor tontgarttor'shandand eabove wndm Signed, scaled and delivered in our ofcolliercomry, ;aFlorida non- co $v. �tnessN �- rcboias 1. Kouloberes, Vice President ✓- (Corpo— Scat) 11 fW!tn ns Name: J/:... State of Florida Cowry of collier The foregoing ins =cm was acknowledged before me this ea3 day ofNovcmber, 2011 by Nicholas J. Koolohcra% Vice President of Habitat for Hrm aaky of ColiicrCounry. Inc., a Florida norrproR mrpora6ou an bchalfof the ccoporatien, He [j is persota�Ii � to me or IY.1 has pmduccd a driver's fi—a�dentification. .01 A Notary PuD]ic _ l.(1.fG- � �MYCOMM.FiI?IAl°5� PtintedName•. ��0.'?H-Go+ ' � N4apFf }QIT _75 MyCommiziodExpirca: 0 OF Q Packet Pg. 1743 Collier County Property Appraiser Property Summary 16.D.13.c Site Address 3461 Site Zone Parcel No'25377802628 *Disclaimer CARSON Site City IMMOKALEE: *Note 341A LAKES CIR Name / Address ROJAS, RICARDO VERA .3461 CARSON LAKE CIR City `' I MMOKALEE State FL Zip 34142-2089 Map No. Strap No. Section Township Range Acres *Estimated 1E30 212470 751E30 30 46 29 0.2 Legal CARSON LAKES PHASE 11 LOT 75 Millage Area 0 190 Millage Rates ® *Calculations Sub./Condo'212470 - CARSON LAKES PHASE 2 School Other Total Use Code 0 1 - SINGLE FAMILY RESIDENTIAL 4.889 9.9108 14.7998 Latest Sales History 2021 Certified Tax Roll H (Not all Sales are listed due to Confidentiality) (Subiect to Change) p� Date Book -Page Amount Land Value $ 15,84 m 11/23/11 4740-2651 $ 100,000 (+) Improved Value $ 89,24 o 05/23/11 4688-497 $ 100 . (_) Market Value $ 105,08 10/20/04 3664-748 $ 76,000 _..._ f-) Save our Home $ 45,89 0 (=) Assessed Value $ 59,19 (-) Homestead $ 25,00 w (-) Widower) $ 50 (_) School Taxable Value $ 33,69 rn (-) Additional Homestead $ 9,19 = (_) Taxable Value $ 24,50 If all Values shown above equal 0 this parcel was created after the Final Tax CD N Roll in 0 N O N R Q 0 N N U O Q 7 Y V lC m Q Packet Pg. 1744 11L6; 2849856 OR: 2884 PG: 0438 GIL: 16.D.13.d ISLAID TITLI GUARAITT AGIICT I IICOIDID In the 011ICIAL iICORDS of CCL1I11 COURTt PL 11" 111 PICK UP OI1J0,':)^1 al 01 4/AN 4YIGNT I 11GCK• CLIP[ DCC If, ! '` SECOND MORTGAGE THIS SECOND MORTGAGF. 4•`;,wrilty insttenlent I is gwen.ni Anqu•.I .'INII Ill.. ', fI,I I, I, r Sara Huenn,slr. A ` mqk- i'rr„m ('HulfOWer•) This Security inntrumerit +, given to COl1 der C_oUnty _. - . the laws of the United Status of America, and whose adda+ss is 30SO North Horseshoe DriVill Suits 145, Naples, •lorida 34014 [follower awes Lender ttllf sum of Two Thousand livs Hundred and NO/ 100ths Dollars (U S S 1, 500.00 ) This debt is evidenced by Horroww's Note dated ite same ,Idle its INS tier rarity a iV A, provides for monthly Payments, wilt+ the full dli it not paid <+,uller der' and (,uV•ihie on sale of property, refinance, or loss of homestead exlaatption This Security Iflahunienl ,e, un I- I I- the repaym.•..I of it!,. •... t v '•,• Note. with interest, and all renewals. eztensiuns and mnxfihcdhofls (Ill it • l,ayflwflt or all other ,umS w•th nnere,t eavdu• .••t .r,a•^ n•r , I' u' to protect the sKunly of the Security Instrument. aria 1c) the purlurl 11au. a of itun,,wor s cuvanaflh alay,uernr,n, "r„d�-Iw'ny h•,, Instrument and the Note. For this purpose. Burawdoe s ies neroVy seC "Ild niortgage yfant and runve to L ender hr property located in Collier County, Florida As more partfoularty clescnbad as Lot 20, Block 13. Naples Manor Lakes, Collier County, Florida and wn,. n nos fnv .+dare„ , r ('Property Address') at 11or , TOGETHER WITH ;rl! Itu�unprcfventenls now of heroatluf urefcltid .III Ill.. plops rty. unit all easements nyhh dpl`.•rten,uk its n•rH, royalties, mineral, 04 and ya!' jhfs,anth'profils water nyhts and Sttx:k and dill fulunfs flow or hereafter a part of tar pre µ,._rty All ret'Ja.-..rnw,t, and additions shall also be cuvertsil by;th Suctlf I Inllruniont All .II liv loreyuuiq ,s ruhfned lu ai thla Se, unity In,trurt,on! t t•,e t ertv BORROWER COVENANTS tt at lfonowef is lawlully Seftvd fit life estate hereby coriveyttd and has the r ,fill I., ru, rl I iqe 7'.i and convey the Property and that tilt' Pro xirty i ,, utuea:unibered, excopl I( I era'umhl,ui t+s of rec,nd borrower wdrr,wlt ,w,I IN,,, t re „, t ; .•r.f -v the title to the Property against all clause uf.yfeniands, subject h, any ernuvnbraeit-t s ul for,ud THIS SECURITY INSTHUM T contblees unito ffn COVt'fiaiil, lilt nub„n,il one and floe .uuhmni r,wen,ed, with rn to I jurisdiction to constitute a Undormf se(:uriay uistrurnelit coveting real pr)fK rty UNIFORM COVENANTS Hurruwe! .fud Ielldef covenant a Id aeiniv d, follow, 1. Payment of Principal and Intirest rapsyment and Late Charges. Hofrovi ,hall pnmgdiy pay when aria+' rev• r, ", il•,,. t ., 1 interest on the debt evidenced by the Note 2. Taxes. The Mortgagor will pay all l asbe"srnenls. sewer rents to watt,, lades prior III tilt dixnf,fl of any penoira+, .,r .nterr,t thereof) The Mortgagor shall pay or cause to be )ia U is'Itft, same respoctively tWICOM r dta+. tAl(t) all taxes ,it, yuvernr•,ur r,r r,dntm, •`f ,+,+V kind whatsoever which may at any tune lxa lawlully asb"sed of.levfed agamrist ur wltri respect to the Property, 12) all utility anal other . n,uyr, including'serviee Charges'. Incurred or imposed for the optiriltiWi Iliad utteflanctf, use. occupancy upMeep and unprovonient ,,t the Prof .nty dial (3) all assessments or other governrnontal charges that inity I i Ujly t)e paid ut Instaurnents over a period of years the Ivl.,rtyayor Sriau be obligated under the Mortgage to pay or cause to be Paid only such lrititalfrnents as are required to be paid durny the terra of the Mt;rtyaytf, and shall, promptly after the payment of any of the foregoing, fo firBFd to Nyedyagoe evidence of such paynenl SL Appocation of psymsnts. Unless appix;abie law p es otlerw sa, all payments received by Lender shall tw applied flf la III interest due; �ai�d�, 10 aprincipal due', and last, to any late charges; ue undtir'the Note 4. Charges; Liens, Borrower shall pay all taxes, assaysnuHSts;_,6haryes, lines and impositions attributable to the Property wtnch may attain priority over this Security Instrument• and leasehold payrrient5 or q«�url'd: reels, it any. Horrower shall promptly furnish to Lender all notices of amounts to he paid under this paragraph, and all receipts f of nclpq tilt- payments Borrower shall promptly discharge any lien whlCII has pnonty over 1hiS Surcunty Instrument unless Borrower lilt agrees n writing t„ the payment OI the obligation secured by tire hen et a manner accupti - i lu LtJrfdup (b) contests in good faith the !fen by, or detends aydlnat enforcement of the Gen in, legal proceedings which et the Lender's of,inlon optI! to prevont the onforcument ut the hen, of tc I stx:urt'S from the Felder of the ten an agreement satisfactory to Lender subordinating thte,1n to this �tx'unty Instrument If Lender detertnines that any part of the Property is subject 10 a lien which may attain priority over file Securely insfuntenixLender nldy give Borrower a notice Idontitymy ttte hen Borrower shall satisfy the lien or take one or note of the actions set forth above w,dithill,lo days of the giving of notice 6. shall satisfy or property keunnee. Borrower shall keep the improvelnerus existing of hereafter erected on file Property .assured against loss by fire, hazards included within the form 'extended cove'aye' and any other Lards• including floods or flooding, for which Lender requires insurance. This insurance shall be maintained in the amounts and for the penods that Lender requires The insurance earner providing the insurance shall be chosen by Borrower subject to Lender's approval which shalt not be unreasonably withhold II Borrower tads to maintain coverage described above, Lender may, at Lender's option, obtain coverage to prof Lender's rights in the Property in accordance with paragraph 7. At all limes that the Note is outstanding, the Monyagor shall maintain insurance ith respect to the Premises against such risks and for such amounts as are customarily insured against and pay, as this same become dita arid payable, all premiums in respect thereto, including, but not limited to . all-risk insurance protecting the interests of the Mortgagor and Mongilgee against loss or damage to the Premises by fire, lightning, and other casualties customarily insured against (irctuding toiler explosion it approp!tfte), with a uniform standard extended Coverage endorsement, including, debris removal coverage. Such insurance at all times to to m an amount root less than the full replacement Cost Of the Pref isss, exclusive of footings and foundations. ne� All insurance policies and renewals shall be acceptable to Lender and shall include a standard mort`ga a clause Lender shall have the right to hold the policies and renewals. It Lender requires, Borrower shall pruelpily give to Lender all receipts of paid premiums and renewal notices. In the event of loss, Borrower shall give prompt notice to the insurance earner and lender. Lender r�nay ut�ke proof of loss d not made promptly by Borrower. Unless Lender and Borrower otherwise agree in writing, lnsuraf+ce proceeds shall be applied to restoration or repair of the Property damaged, it the restoration or repair is econonucaliy feasible and Lo ider's security is not lessened. It 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. It Borrower abandons the Property, or does not answer within 30 days a notice from Lender that the insurance carrier has offered to settle it 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 of thenrocedu to he 30adl shale) ri d will begin when the notice is mailed. Unless Lender and Borrower otherwise agree in writing, any applicationP extend or postpone the due dale of the monthly payments referred it) 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. Praservatlon, Maintenance and Protection of tho Property: Borrower's Loan Application, Leassholds. Borrower shall occupy, establish, and use the Properly as Borrowers principal residence within sixty days after the execution of this Security Instrument and shall continue to occupy the Properly as Borrower's principal reside rice for at least one year after the date of occupancy, unless Lender otherwise agrees in writing• which consent shall not be unreasonably withheld, or unless extenuating circumstances exist which are beyond Borrowers control. Borrower shall not destroy, damage or impair the Property, allow the Property to deteriorate, or commit waste on the property. Borrower shall be in default it any forfeiture action or proceeding, whether civil or criminal, is begun that in Lenders good faith Judgment could result in forfeiture of the Property or otherwise materially impair the lien created by this Security Instrument or Lenders security interest. Borrower may cure such a default and reinstate, as provided in paragraph 18. by causing the action or proceeding to be dismissed with a rufing that, in Lenders good faith determination, precludes folefture of the Borrower's interest in the Property or other material impairment of the lien created by this Security Instrument or Lender's security interest. Borrower shall also be in default if Borrower, during the loan application process, gave materially false or inaccurate information or statements to Lender (or failed to provide Lender with any material information) in Connection with the loan evidenced by the Note, including, but not limited to, representations concerning Borrowers occupancy Q Packet Pg. 1745 OR: 2884 PG: 0 16.D.13.d of the Property as a principal residence. it this Security Instrument is on a leasehold, Borrower shall comply with all the provision of the lease. If Borrower acquires fee title to the Property, the leasehold and the fee title shall not merge unless Lender agrees to the merger In writing. 7. Protection of Lender's Rights in the Property. If Borrower fails to perform the covenants and agreements contained in this Security Instrument, or there is a legal proceeding that may significantly affect Lender's rights in the Property (such as a proceeding in bankruptcy, probate, for condemnation or forfeiture or to enforce laws or regulations), then Lender may do and pay for whatever is necessary to protect the value of the Property and Lender's rights in the Property. Lender's bons mayleesandinclude payenting any on sums the secure to maby a llen a repairs. which has priority over this Security Instrument, appearing in court, paying reasonable ya Although Lender may take action under this paragraph 7. Lender does not have to do so. Any amounts disbursed by Lender under this paragraph 7 shall become additional debt of Borrower secured by this Security Instrument. Unless Borrower and Lender agree to other terms of payment, these amounts shall bear interest from the date of disbursement at the Note rate and shall be payable, with interest, upon notice from Lender to Borrower requesting payment. a. Mortgage Insurance. It 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. It, for any reason, the mortgage insurance coverage required by Lender lapses or ceases to be in effect, Borrower shall pay the premiums required to obtain coverage substantially equivalent to the mortgage insurance previously in effect, at a cost substantially equivalent to the cost to Borrower of the mortgage insurance previously in effect, from an alternate mortgage insurer approved by Lender. If substantially equivalent mortgage insurance coverage is not available, Borrower shall pay to Lender each month a sum equal to one -twelfth of the yearly mortgage insurance premium being paid by Borrower when the insurance coverage lapsed or ceased to be in effect. Lender will accept, use and retain these payments as a loss reserve in Neu of mortgage insurance. Loss reserve payments may no longer be required, at the option of Lender, it mortgage insurance coverage (in the amount and for the period that Lender requires) provided by an insurer approved by Lender again becomes available and is obtained. Borrower titian 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. g. inspection. Lender or Its agent may make reasonable entries upon and inspections of the Property. Lender shall give Borrower notice at the time of or prior to an inspection specifying reasonable cause for the inspection. 10. Condemnation. The proceeds of any award or claim for damages, direct or consequential. n 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 a not then due. with any excess paid to Borrower.. In the event of a partial taking of the Properly, In which the fair market value of the Property immediately 0) 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 Larder otherwise agree in writing, the sums secured by this Security Instrument shall be reduced by the amount of the proceeds C multiplied by the following fraction: (a)thedbto amount of the sums secured immediately before the taking, divided by (b) the fair market value of the Property immediately before thlsking. Any balance shall be paid to Borrower. In the event of a partial taking of the Property In which w ess than the amount of the sums secured Immediately for the taking, o the fair market value of the Properly immediately before the taking is l unless Borrower and Lender otherwise agree in wIrIfing or unless app icable law otherwise provides. the proceeds shall be applied to the sums C secured try this Security Instrument whether or n the sums are then due. Unless Lender and Borrower otherwise agree in writing, any application of proceeds to principal shall not e ` nd or postpone the clue date of the monthly payments referred to in paragraphs 1 or change y the amount of such payments. 11. Borrower Not Released, Forbears Gender Not a Waiver. Extension of the time for payment or modification of amortization of the sums secured by this Security In trument.granted by Lender to any successor in Interest of Borrower shall not operate to rn release the liability of the original Borrower or Borrowers successors in interest. Lender shall not be required to commence proceedings d against any successor in interest or refuse to extend ttme fo? pay rtera or otherwise modify amortization of the sums secured by this Security = Instrument by reason of any demand made by the onginit,BOf*owar or Borrower's successors in Interest. Any forbearance by Lender inN exercising any right or remedy shall not be a waiver of or pteeIudietl exercise of any right or remedy. p 12. Successors aril Assigns Bound; Joint and,*V6fal lity, Co-Signem The covenants and agreements of this Security � CM Instrument shall bind and benefit the successors and assignsof laystnd Borrower, subject to the m Provisions of paragraph 17. Borrowers covenants and agree nts ih tl'pe loint and several. Any Borrower who co-signs this Security Instrument but does not execute the Note, (a) is co-signing this Secy iiiitrrument only to mortgage, grant and convey that Borrower's interest o in the Property under the terms of this Security Instrument; (b) is not pets nt; � Itt obligated to pay the sums secured by this Security Instrume and (c) agrees that Lender and any other Borrower may agree to exliis +f�Wih7,, forbear or make any accommodations with regard to the terms 0 of this Security Instrument or the Note without that Borrowers consent', , : F. 13. Loan Charges. If the loan secured by this Security Instrument s s ject to a law which sets maximum loan charges, and that 3 law is finally interpreted so that the interest or other loan charges collectedbr "be ColleCted In connection with the loan exceed the permitted limits, then; (a) any such loan charge shall be reduced by the amount nece aryflo riaa �ce the charge to the permrtt to halt', and (re any sums already collected from Borrower which exceeded permitted limits will bet refurtde�l to Borrower. Lender may Choose to make this refund by O reducing the principal owed under the Note or by making a direct payment to Ba7rwer f"refund reduces principal, the reduction will be N treated as a partial prepayment without any prepayment charge under tneY ore. c> 14. Wiese. Any notice to Borrower provided for in this Sacurit trstru $h' lac given by dehvenng it or by mailing it by first p class mail unless applicable law required use of another method. Tr:e notice shall be acted to the Property Address or any other address 0 Borrower designates by notice to Lender. Any notice to Lander shall be given to Bomower:or tlgr when given as provided in this paragraph M 1s. Governing Law; Severebility. This Security Instrument shall be governed b r law and the law of the jurisdiction in which !19 the property is located. In the event that any provision or clause of this Security Instrument or stru'trie. ore conflicts with applicable law, such conflict shall not affect other provisions of this Security Instrument of the Note which can be100' sffec#,without the conflicting provision. To m this end the provisions of this Security Instrument and the Note are declared to be severable f = M Borrower's Copy. Borrower shall be given one conformed copy of the Note and of`lhis d>gty Instrument d 17. Transfer of this Property or a Beneficial Interest In Borrower. If tiff or any pan of t e Pt y or any interest in it Is sold or t transferred (or if a beneficial interest in Borrower is sold or transferred and Borrower IS not a naturat.yl�rsa�i) out Lender s prior written Consent, Lender may, at its option, require mmed,ate payment in full of all sums secured by this Security tsHur ent However, this option shal m not be exercised by Lender if exercise is prohibited by federal law as of the date of this Security Instrument,; Q If Lender exercised this option, Lender shall give Borrower notice of acceleration The notice shall prov,daot not less than 30 days from the date the notice is delivered or malted within which Borrower must pay all sums secured by this Security Instrument If Borrower falls t( pay these sums prior to the expiration of this period Lender may invoke any remedies permitted by !his Security Instrument withrntt further notice or demand on Borrower. 18. Borrowers Right to Reinstate. N Borrower meets certain conditions, Borrower shall have the right to have enforeenient of this Security Instrument discontinued at any time prior to the earlier of ia) 5 days lot such other period as applicable law may specify for reinstatement) before sale of the Property pursuant to any power of sale coma ned in this Secunty Instrument, or b) entry of a ludgment enforcing this Security Instrument. Those conditions are that Borrower tat pays Lender all sums which then would be due under this Security Instrument and the Note as it no acceleration had occurred: (b) cures and default of any other Covenants or agreements, (c) pays all expenses incurred in enforcing this Security Instrument, Including, but not limited to, reasonable attorneys fees, and (d) takes such action as Lender may reasonably require to assure that the lien of this Security instrument, Lender s rights in the Property and Borrower's obligation to pay the sums secured by this Security Instrument shall continue unchanged. Upon reinstatement by Borrower, this Security Instrument and the oblige case ions secured Hereby shall remain fully effective as It no acceleration had occurred However, this right to reinstate shall not apply in acceleration under paragraph 17 19. gala of Note; Change of Loan Servicar. The Note w a partial Interest in the Note (together with this Seeunty 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 Servlcer') that collects monthly payments due under the Note and this Security Instrument There also may be one or more changes of the Loan Servieer unrelated to a sate of the Note. It there is a change of the Loan Sereicer. Borrower will be given written notice of the change in accordance will paragraph 14 and applicable law. The notice will state the name and address of the new Loan Servicer and the address to which payments should be made. The notice will also contain any other information tiquired by applicable law. 20. Nmrdous Substances. Borrower shall not cause o• permit the presence, use. disposal. storage or release of any Hazardous allow anyone else to anything the Properly that is in Ennvironmenta Law. thetances on or in Property. preceding ttwnrower shall o sentences shall not rapply to the presence. se, or storage onnthe Property of mall quantities violation any Hazardous Substances that are generally recognized to be appropriate to nominal residential uses and to maintenance of the Property Packet Pg. 1746 *** OR: 2884 PG: 04 16.D.13.d Borrower shall promptly give Lender written notice for any investigation claim demandlawsuit or other action by any governmental or regulatory agency or private party Involving the Properly and any Hazardous Substance or Environmental Law of which Borrower has actual knowledge. It Borrower learns, or Is notified by any governmentai or regulatory autrronty trial any removal or other rerned,aaon of any Hazardous Substance affecting the Properly is necessary. Borrower shall promptly table all necessary remedial actions in accordance with Environmental Law. As used in this paragraph 20, 'Hazardous Substances' are those subs!arlces defined as toxic or hazardous substances by Envvonrnental Law and the following substances, gasoline. kerosene. other flammable or !ox,c prho sum products toxic pesaades and herbicides volatile solvents. materials containing asbestos or formaldehyde. and radioactive materials. AS used in this paragraph 20. 'Environmental Law' means tederal laws and laws of tilt lull Sd1010" where the Properly is located that relate to health, safety or environmental protection. 21. AOCNerltion; Remaidles. Lender shall give notice to Borrower prior to acceleraton tolfowlny Borrower S breach of any cuvtnari or agreement in this Security Instrument (but not prior to acceleration Lrder paragraph 17 unless applicable law provides oinerwisel The notice anal! specify: (a) the default: (b) the action reduwred to cure the delaull. Ic I a date not less than 3C days from the date the nutk:e n given to Borrower, by which the default must be cured. and (d) that failure to cure the default on or before the date st�It-ed in If") n„ice may result in acceleration of the sums secured by this Security Instrument, foreclosure by judicial proceeding and sale of the Properly The nonce shall further inform Borrower of the right to reinstate after acceleration and the right to assert in the toreclosure proceeding the n0" eiis"Ice of a dot" or any other defense of Borrower to acceleration and toreclosu'e It the default is not cured on or before the date si-CTed :n 1he mace. Lender, at its option, may re"re immediate payment m full of all sums secured by this Security Instrument without tuMer jeniand and may foreclose this Sewrfty Instrument by judicial proceeding. Lender shall be entitled to collect all expenses incurred In pursuing the remedaes provided in ithe paragraph 21, including, but not limited to, reasonable attorney fees and costs 01 the tide evidence 22. Rialseee, Upon payment of all sums Secured by this Se;urity instrument, Lender shall release this Security instrument. without charge to Borrower. Borrower shall pay any recordation Costs fees' snarl Include any attorneys fees awarded by 2, Attomep' Fe"'. As used in this Security Instrument and the Note. 'attorneys' an appellate court. 21 Rlders to this 5lCu Instrument. If one Or more riders are executed by Borrower and recorded together with this Security Instrument, the covenants a d ag ments of eacn such rider shall be Incorporated Into and shall amend and supplement the covenants and agreements of this Security Inst umprit as it the ndens) were a part of INS Security Instrument (Check Appncaole Boxi Adjustable Rate Rider U Rate Improvement Hioi Graduated Payment Rider •- Rider Balloon Rider B`W,4-�Iiannly ely Payment Rider Other(s) (specify Condominium Rider Second Home Rider Planned Unit Development Rider SIGNING BELOW. Borrower accepts and agrees to the Ienp, s and covenants contained in this Security instrument and In Any nder!s executed by Borrower and recorded with it STATE OF FLOfiNPA COUNTY OF /!�7` i; Sara DUenroatro of 5378 Trassell Street lee Florida 34113 n theatale oresaid and In the county aforesaid to table ..nor .,.,rcnnicf aescnbed in and who executed the foregoing instrument and acknowledged before me that (Her she/ they) executi?d the same for the t 'y LP B. JEAN SMITH mac' rf t2t.11WSSCN 0 CC74N$a V LiPIRES AUG 01, 2W2 I &>&xc, nmouc., FOFft A"-'I"ie "01ARY OF ROxfCA Notary's Printed Name '-kre,n expressed Packet Pg. 1747 Collier County Property Appraiser 16.D.13.d Property Summary Site 5378 Site Zone 341' Parcel No 62263240001 Address TRAMMELL Site City I NAPLES Note *Disclaimer IST Name / Address BUENROSTRO, SARA 15378 TRAMMEL ST T City NAPLES State I FL I Zip 1 34113-7861 t Map No. Strap No. Section Township Range Acres *Estimated o 5B29 508300 13 205B29 29 50 26 0.22 0 c Legal NAPLES MANOR LAKES BLK 13 LOT 20 Millage Area a 108 Millage Rates v *Calculations A Sub./Condo 508300 - NAPLES MANOR LAKES School Other Total in Use Code a 1 - SINGLE FAMILY RESIDENTIAL 4.889 6.6608 11.5498 Uj Latest Sales History 2021 Certified Tax Roll CD Not all Sales are listed due to Confidentiality) (Subject to Change) c Date Book -Page Amount 08/30/01 2884-433 $ 59,500 07/13/00 2697-2287 $ 36,000 Land Value $ 131,0, +� Improved Value $ 85,41 (_) Market Value $ 216,4, (-) Save our Home $ 152,8; (_) Assessed Value $ 63,6' (-) Homestead $ 25,01 (_) School Taxable Value $ 38,6' (-) Additional Homestead $ 13,6' (_) Taxable Value $ 25,01 0 0 c a� m 2 0 N U 0 c a If all Values shown above equal 0 this parcel was created after the m Final Tax Roll m r c m E z 0 2 a Packet Pg. 1748 M (sa6e6:Pow 10 uol;oelslleS dIHS : OSSOZ) uldslao-woS soon do)ioe8 :;uewLjoe};y T 0 m T 7 Q LL z N T N T ++ R y Cl) M Cl) M N N N E va 619, N M T Cl) T Cl) ate+ 0 M Cl) M 4 to to r+ O r 00 OQ co co r CO CO t0 t0 t0 t0 C 3 1.14 E9 N 0 00 00 OD 00 co 00 O E LL E 00,61% 61% a a d d LL U) N T N T O E I Cl) N N O a � � M M - 5 ++ 3 M Cl) O O E 3 v O c ER 601j, U a Q E a Q o U) 20 N uJ U) Z a a 0 0 N c v o U N F0 y tq _ _ O CDU) Z r u L N LPV! O 0 U' O P: m w OT c U c � N H y I •D z M > T O T� v E E U` O - z_ a a M m IL 7 V a ~ N Q V) M Z w ci Q N E O U V N Q m 0o z �H ~ Cl)R Q o �. c E 3 N E E x V 3 = 06 NO O_ r+ y N N06w N Q co O .. r 3 L V O Z oN E O U C: E cn 2 J 0 U C E E ~ G. O L C 3 O U 2 w o U U06 m r m N E _ d = O U L N %+ a N p O U UJ c LU 0 - U � p w c 3 O z o V CD U � w a w o z � a 0 a) a Corley County Public Services Department Community & Human Services Division October 15, 2021 Raquel Crispin AKA Raquel Tveten 290 Porter St Naples, FL 34113 Re: Payoff Letter 5417 Carlton Street Naples, FL 34113 Folio 62099600006 File 01-072 Mortgage Type Date Recorded OR Book/Page Amount Collier County SHIP Second Mortgage 10/18/2000 2733/2721 $4,294.00 Credit Card Collecting Fee $129.12 Recording Fee $10.00 Total Amount Due $45433.12 No payment will be required until the property is sold, transferred, refinanced, no longer Homesteaded, or is no longer the primary residence of the homebuyer. At that time the balance of the loan is due and payable. No per diem amount required. Please pay with credit card at: https://magic.collectorsolutions.com/magic-ui/onetimepayment/cchs [oil Payment should be made to "Collier County Board of County Commissioners" and delivered to: Community & Human Services Division Attn: SHIP Payoff 3339 E. Tamiami Trail, Suite 211 Naples, FL 34112 Sincerely, 1544" qMM04(q Elizabeth Hernandez, MBA Operation Analyst, GCU Community and Human Services Making Our Community Stronger, One life, One Home, One Project a rime Elizabeth.Hernandez@colliercountyfl.gov (New Emdress) 16.D.13.e Community & Human Services Division • 3339 Tamiami Trail East, Suite 211 • Naples, Florida 34112-5361 239-252-CARE (2273) • 239-252-CAFE (2233) • 239-252-4230 (RSVP) • www.colliergov.noUhumanservices Packet Pg. 1750 16.D.13.e LopezMaggie From: AquinoLuqueBlanca Sent: Friday, October 15, 2021 1:46 PM To: LopezMaggie; HernandezElizabeth Cc: SonntagKristi Subject: RF: Homestead Monitoring The total amount due from the client is: 4,433.12. Maggie and I recalculated the amount. Cash 4,433.12 Revenge Pay Off 4,294.00 Revenge Recording Fee 10.00 Collecting Fee for Jet Pay 129.12 Thank you, Blanca M. Aquino, CPA Accounting Supervisor 239 252 4236 From: LopezMaggie <Maggie.Lopez[a coliiercountyfLgov> Sent: Monday, October 11, 2021 5:31 PM To: AquinoLuqueBlanca <Blanca.AquinoLuque@colliercountyfl.gov>; HernandezElizabeth <Elizabeth.Hernandez@colliercountyfLgov> Cc; SonntagKristi<Kristi.Sonntag@coiliercountyfl.gov> Subject: Homestead Monitoring Here is my calculation if we accept a credit card payoff. In order to process to the correct revenue account, we need to know which program the property was ln" M- Packet Pg. 1751 Retn: 2703137 OR: 2733 PG, 2721 A010111 7I463 CO 93cOR01le'to the 0111CIAL RECORDS Of COLLW .ov'tTT. C PICK VP 1011811000 IL 01:55PX l)WM41 r. SRSCK, ^.l3R9 05L^ RIC PIS SECOND MORTGAGE 0oc-.,c October 12 THIS SECOND MORTGAGE ("Security Instrument") :s given on W,00l"r , 7000 The Second Mortgagor is SJ:J.00 k 1` 4` Raquel Crispin, A Single Person/ 1"Borrower'`► This Security Instrument is given 10 Co1littir County___..._ _ ('Lender"), winch is organized and exi$ting undof the IAWS of the United 51ales of America, and whose address 15 _ 3050 North Horsexhoi Driya, #145, Nrplar, Florida 34014 Borrower owes Lender the sum of Find Thousand and No/looths Dollars {U.S, i500040_1 This debl ,s evidenced by Borrower's Note dated the some date as this Security Instrument ("Second Moftgago"I which provides for monthly payments, with the foil debt. it not paid earlior, due end payable on gale of property, rfinance, or loan of homeatead exam tp ion This Security Instrument secures to Lender (a) the repayment of the debt evidenced by the Note. with interosl, and all renewals, extensions and mochLCahons, lb) the payment of all ocher 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 Secunly Instrument and lha Note For this purpose, Borrower does hereby second mortgage, grant and convey to Lender the following described property located in Collier County, Florida As more particularly described as Lot 6, Block it Naples Minor Addition, Collier County, Florida and which has the address of ("PropertyAddross"I 5417 Carlton street, Neples, Florida 34113 TOGETHER YV ,a�ha improvements now or haroorlar erected on the property, and all easements, rights, appurtenances, rents. ' rbyaihes. mineral. oil and gas ts rtgtand profits, water rights and stock and all IrKtures now or hereafter a part of the property All replacement& and additions shall also be cov'ar d by a'. acur,ty instrument Al of the foregoing is referred to in this Security Instrument as the "Properly" BORROWER COVtNI�Nx , 13b�rower is lawfully seized of the estate hereby conveyed and has the light to mortgage, grant and convey the Properly and that the Prvpagv4s,phoncumbered, except for encumbrances of record Borrower warrants and will defend generally the title to the Property against all claiA and demands, sub)ecl to any encumbrances of record THIS SECURITY INSTRUMENT combinal uniform covenants for national use and non -uniform covenants with limited variation by )urisdiclion to Gonstilute a unrfOlm secunly.Mstitinl lit Covering real properly UNIFORM COVENANTS Horrower.a d Lender covenant and agree as follows i t. Payment Principal InteF@; Prapay Late Charges. Borrower the of and ant and shall promptly pay when aue principal of and Ili interest on the debt evidenced by the Note 2, Taxes, 'rho Mortgagor win pay an taxers s{nenls. sewer rents or water rates pilot to the accrual of any penalties or interest j thereon ' The Mortgagor shalt pay or cause to be paid: a -1a respectively become due. (A)(t) all tax -as and governmental charges of any property. + '- kind whatsoever which may at any lime be lawfully asses j 14� ad against or with respect to tha (21 all utiidy and other charges, inciudMIt "sefvico charges", incurred or imposed (or the by lath rt3 intenance, use, occupancy, upkeep and improvement of the Property, �i and (3) all assessments or other governmental charges that+rgayas idly be paid in installments over a period of years. tile Mortgagor shall be obligated under the Mortgage to pay or cause to too paid only sy�h coital ents as are required to be paid during the form of the Mortgage, and shall, promptly after the payment of any of rhs foregoing, forweid,to lcr ilgot evidence of such payment S. Application of Payments. Unless applicable, law ploy e� ern�' Hulse, a1 payments received oy Lender shall be applied, first. to interest due. and, to principal due; and last, to any Iota charges due,un,�s(1h9 Note � 4. Chargea; Liens, Borrowof shall pay eft taxes, assessmeTiis,.cKQes, fines and impositions attributable to the Property which may attain priority ovar this Securily Instrument and leasehoid payments or. ougd ants, if any Bafrovloar shall promptly furnish to Lender all nol(r es or amounts le ire paid under this paragraph, and all receipts ovidei?Gin A' pa)•mems Burrower ahalt discharge any hen which hoe eye;J} S Sg`ryl ty Instrument untoss Borrower is) to promptly priority agrees m writing the payrnanl of the obligation secured by the flan in a ntannei acceptable to Ge idtit�'c nte5ls In good faith the hen by. or fletends against enfOrcemant of the lion lit, legal proceedings which in the Lender`s opurlon ope( I�,o p/re nt the enforcement of the hen, of (c) secures Flom the holder Vine hen an agreement satisfactory to Lender subordinating the licri'ta 1 s SEc my Instrument It Lender determines that any part Secunly Inslrufn;nI. Borrower 3cen fi of the property is sublocl to a lien which may attain priority over the rider may give a notice IdentiFying the Borrower shall satisfy the lien or take one or more of the actions set forth above witfifiln-T days of the giving of notice e, Huard or Property Insurance. Borfrower shall keep the improvements now sic Soo g or hereafter erected on the Properly insured loss fire, hazards the term "extended "zards Roods flooding, for c against by included within coverage'• and any other. ndud,ng of which Lender requires msuranco This insurance shall be maintained in the amounts and for the periods they� L+3+idet requires The insurance earner providing the Insurance shaft be chosen by Bofrower subtecl to Lenders approval which shall nq(1�be P;Ieasonably withhold It Borrower lairs to maintain coverage described above, Lender may, at Lender's option, own coverage to protect. oi�kdgi ,rights in the Property in accordance with paragraph 7 At all times that the Note Is outstanding, the Mortgagor shall maintain lnsura1ic13 1fl respect to the Premises against such risks and for such amounts as are customarily Insured against and pay, as the same become due pnl p6yob e4 ell premiums In respect theroto, including, but not limited to , all-risk insurance protecting the interests of the Mortgagor and Modgawea ag sr` ss or damage to the Premises by fire. lightning, and other casualties customarily insured against (including boilor explosion. d appropnale):;wAhh a uniform standard extended coverage andofsemani. Including debris removal coverage Such insurance at all times to be in an amovnt�oWo4 than the full replacement cost of the Premises exclusive of foolings and foundations All insurance pohcues and renewals shelf 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 roeelpts 01 paid premiums and renewal notices In the event or loss, Borrower shall give prompt notice to the Insurance carrier and I ender I ender ma; nj, jlo it ^ot rnado promptly by Borrower Vnless Lender and Borrower Otherwise agree in writing, insurance proceou6 shall be applied to eestoolien or repair or lht Properly damag ad, if the restoration or repair is economically feasible and Lender's security $e not lessened If the restoration or repair is not economically fassible of Lender's security would be tessanad, the insurance proceeds shall be applied to the sums secured by the Secunty Instrument, whether or not then due, with any excess paid to Borrower 1f 1orrower abandons the Property. or does not answer within 30 days a notice from Lender that the insurance carrier has offered to settle a claim, then Lender may collect the insurance proceeds Lender may use the proceeds to repair or restore the Properly or to pay sums secured by this Securily Instrument, whether or not then duo The 30•day period will begin when rho notice is mailed Unless Lender and Borrower otherwise agree in wnliny arty application of proceeds to principal shall not extend or poaipone the due data of the monthly payments referred to in paragraph I or change the amount or iho payments if under paragraph 21 the Properly ,s acquired by Lender, Borrowers right to any Insurance pohefes and proceeds resulting from damage to the Properly prior to the acquisllion shall pass to Lender to tho exienl of the sums secured by this Security Instrument unmedialely prior to the aCquisilion a. Occupancy, Preservation, Maintenance and Protection of the Property; Borrower's Loan Applicslion, Lrssetmids, Borrower shalt occupy. ealabiesh. and use the property as Borrowers principat residence within sixty days after the exaeuhon of this Security Instrument and shall conlsnue to occupy the Properly as Borrower's principal residence for at least one year after the dale of occupancy unless Lender 01horw15e agrees in Writing, WhIGII consent shall not be unreasonably withheld, or antes tMunuahng circumstances exist which are boyond Borrower's control Borrower shalt not destroy. damage or impair the property, allow rho- Property to deteriorate, or commit waste on the Properly Borrower shall be in default if any forfellure action or proceeding, whether civil or criminal, is begun that in Lender's good fallh judgment could result in forfeiture of the Properly or otherwise malenally impair the hen created by this Security Instrument or Lenders security interest Borrower may cure such a default and reinstate. as provided in paragraph 18. by causing iho action or proceeding to be disihissed With a ruling that, in Lenders good lailh determination, precludes forfeiture of the Borrowers interest in the Property or other material 16.D.13.e Q Packet Pg. 1752 OR; 2733 PG; 2722 16.D.13.e lmpainnent of the lien created by this Security Instrument or Land errs secunly interest Borrower shall also be in default d Borrower during the loan application process, gave malenalty false or inaccurate information or statements to Lender for faded to provide Lender with any material info(mation) in connection with the loan evidenced by the Note, including, but not limited to. representations concerning Borrower's occupancy of the Properly as it principal residence If this Security Instrument is on a;easchold. Borrower shall rompiy with all the provision of the lease If Borrower acquires too title to the Property, the leasehold and the fee title shall not merge unless Lender agrees to the merger in writing 7. Protection of Londoes Rights In the Property. It Borrower fads to perform the covenants and agreements contained in this Security Instrument, or there is a legal proceeding that may significantly afleCt Londor's rights in the Property (such as a proceeding in bankruptcy, probate, for condemnalion or forfeiture or to enforce laws or regulations). then Lander may do and pay for whatever is necessary to protect the value of the Properly and Lender's rights in the Property Lenders actions may Include paying any sums secured by a lien which has p40rily over this Security instrument, appoaring in court, paying reasonable at€ernoys' fees and entering on the Properly to make repairs Although Lender may take action under this paragraph 7. Lender does not have to do so Any amounts disbursed by Lender under this paragraph 7 shall Isecafne additional dabl al Borrower secured by Ihis Security Instrument Unless Borrower and lender agree to other lerms of payment, these amounts shall bear Ifiteresl from the date of disbursement at the Nate rate and shall be payable, with mteresl, upon notice from Lender to Borrower requesting payment 8, Mortgage Insurance. If Lender regthred mortgage insurance as a condition of making the loan secured by this Security Instrument. Borrower shal! pay the premiums required to maintain the mortgage insurance in effect ff, for any reason, the mortgage insurance coverage required by Lander lapses or ceases to be to offect, Borrower shall pay the premiums required to obtain coverage substantially equivalent to the rriettaaae insurance previously ie efiact, at a cost substantially equivalent to the cost to Borrower of the mortgage insurance previously in affect from on alternate mortgage Ensurer approved by Lender if eubstantialiy eriuivalant mortgage insurance coverage is not availabie. Borrower shall pay to Lender each month a sum equal to one-twulhh at the yeafiy mortgage insurance premium being paid by Borrower when the Insurance coverage lapsed or ceased to be in effect. Londef will accept, use and retain these payments as a toss reserve In lieu of mortgage inaufanre Loss reserve payments may no longer be required, at the option of Lender, If mortgage insurance coverage (in the amount and for the periodlhpt Lender requires) provided by an insurer approved by Lender again becomes available and is obtained Borrower shall pay the prerniti,mf/raquued to maintain mortgage Instrance in effect or to provide a foss resolve, until the requirement for mortgage insurance ends, $cIr`o.rdnco with any written agreement between Borrower and Lender or applicable law g. Inapectlon, hd , rats agent may make reasonable entries upon and inspections of the Property Lender shall give Borrower noticz at, time or or prior an Spec ion specllying reasonable cause for Ina InspecVon 10. Gndemnatlon, t,Ar- rc_ ,,p`its or any award or claim for damages, direct or consequential, in connection with any condemnation of other taking or any part of thFf Pit y, P[rof conveyance in lieu of condemnation, are hereby assigned and shall be paid to Lander In the event of a Iota$ tasting of the Property the ptol,eeds shall be applied to the sums secured by this Security InstiNmenl, whether or not than due. with any excess paid to Borrower 1ri'9Vevdlfi1 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 Lander otherwise agree m.w wng_ the sums secured by this Socurdy Instrument shall be reduced by the amount at the proceeds multiplied by the foliawmo fraction ta) thti total aIpbunt of the sums secured immediately before the tatting. divided by (b) the lair masker value of the Property Immediately before the taking. ?Y, balance shall be pad to Borrower In the event of a partial taking of the Properly in which the fair market value of the Property immediat y bef64 the taking Is less than the amount of the sums secured immediately for the taking, unless Borrower and lender otherwise agree sit ion(yfg or u less applicable law Otherwise provides. the proceeds shall be applied to the sums secured by this Se curdy lnsliumunt whether or not,tha TV` e( e than duo unless Lender and Rmeower atherwiso agree in writing, any application sit proceeds to princpal shall not oxtend'srtloslpono the due date at the monthly payments referred to in paragraphs I or change the amount of such payments " l� 11, Borrower Not Relealod, Forbearanct By U e`r qt a #Ivor. Extension of the time for payment or modtlicatton of amortization of the slims secured by this Security Inttrum ,njtt r lrid }}by Lender to any successor in interest oI Borrower shall not operate to telease the liability of the original Borrower or Borrowea S' It ors in tatefest Lender shall not be required to commence proceedings against any successor in interest or refuse to extend time for pp nt of �Iherwise modify amortization of the sums secured by this Security Instrument by reason of any demand made by the original Borrogn)f 'or wer`$ successors in interest Any forbearance by Lender in exercising any right or remedy shall not be a waiver of or preclude he, axe� tie of any right or remedy 12. Sueceuora and Aeaigne Bound; Joint and Several.L a511 ter a•Slgnen. The covenantu and soraemonis of this Security Instrument shall bind and benefit the successors and assigns of Len` at rid . zower subiect to the Provisions of paragraph 17 Borrowers covenants and agreements Sri n be lrit. d several Any Borrower who co-signs this Security Instrument but does not execule the Note, (a) is co-slgning this Security Inslr, lin� lly to mortgage, grant and convey that Borrower's interest in the Property under the forms of this Security Instrument, (b) is not persoiy` bfigQal�$d to pay the sums secured by this Security Instrument. and (c) agrees that Lender and any other Borrower may agree to extend, moth( tlgil9ar Qr make any accommodations with regard to the terms or this Security Instrument or the Nose Without that Borrowers consent 13. Loan Chergee, if the loan secured by this Security Instrument is subjl(ct,lo taw which sets maximum loan charges, and that law is finally ml8rpre€ed so that tho Interest or other loan charges collected or to baci. fi1t d in connection with the loan exceed the permitted hinds, Won {a) any sucit loan charge shall be reduced by the amount necessary to reduce the chfirge to the permitted limit. and (b) any sums already collected from Borrower which exceeded permitted 13mits will be refunded to Borrowip. e. der may choose to make this refund by reducing the principal owed undo? the Nola or by making a direct payment to Borrower Ita•ra(uhi (educes 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 nits Security instrument shall be g en by ehvenng n or by matting ii by first crass mail unless applicabte law required use of anothef method The notice shall bit directed 1p, he�P, party Address or any other address Borrower designates by notice to Lender. Any notice to Lender shah be given to Borrower or LehdeC whin„�Iven as provided in this paragraph 16. Governing Law; Sevenblllly, This Security Instrument shall be governed by fi der 'taa9y Arid j�l, law of the junsdict,on inwhich the Properly is totaled In the event that any provision or clause of this Socurdy Instrument or 1hv Note cb7S fct with applicable law, such conflict shall not affect other provisions of this Security Inslrumanl or the Note which can be given effect w!th'a theicongteting provision To this end the provisions of this Secufily Instrument and the Note are declared to be severable 15. Borrowers Copy. Borrower shall be given one conformed copy of the Note and of this Security instrument 11, Transfer of the Property or a Beneficial interest in Borrower. If all or any part of the Properly at any interest in it is sold or transferred (or if a beneficial fterest in Borrower It sold or transferred and Borfv.-.el Is no! a natur,I person) wdhijul Ltinudlb pilur wu€ten GOnSent, Lander may, at it* option, require immediate payment in full of all sums secured by this Security instrument However, this option shall not be exercised by Lender if exercise is prohibllad by fuderal law as of the date of this Security Instrument If Lender exercised (his option, Lender shall give torrower notice of acceleration The notice shall provide a period of riot less than 50 days from the date the notice is dehvarad or mailod within which Borrower must pay all sums secured by this Security Instrument If Borrower fails to pay these sums pl to the expiration Of this period. Lender may invoke any remedy% permitted by this Security Instrument without further notice or dernend on Borrower 1e, Borrower a Right to Reinstate, tf Borrower moats certain conditions. Borrower shall have the right to have enforcement of this 5acurity Instrument discontinued at anytime prior 10 the earlier of (a) 5 days (or such other period as applicable law may speodp for falnsislemenl) before sale of the Properly pursuant to any power of Sale contained in this 5ecunty Instrument, or (D) entry of a judgment enforcing this Security Instrument Those conditions are that Borrower (e) pays Lender all sums which then would be due under this Security Instrument and the Nate as n no acceleration had occurred, (b) cures and default of any other covenants or agreements, (e) pays all expenses rnedrrad in enforcing this 59curily Instrument, Including, but not limited to, reasonable attorney's fees: and (d) lakes such action as lender may reasonably require to assure that the lien of this Security Instrument, Landars rights in the Properly and Borrowers obligation to pay the sums secured by this Security Instrument shall continue unchanged. upon reinstatement by Borrower, this Security Instrument and the obllpallons secured hereby shag remain Wily effective as it no acceleration had occurred However, this right to reinslaie shall not apply in the case of acceleration under paragraph 17 Ili. Solo of Note; Change of Loan Servicer, The Note Or a partial Interest in the Note (together with this Security Instrument) may be sold One Or more times without prior notice to Borrower. A sale may result in a Change in fine entity (knolyn as the `Loan Servicer') Mal collects mo'ilhly payments duo Under the Mote and this secunly Instrument There also maybe one or more changes of the Loan Servicer unrelated IQ a sale of the Mote. If there is a change of the Loan Servicer, Borrower will be given written notice of the change in accordance with N d Q1 R O E O O 0 to N M tL 2 W Q Packet Pg. 1753 OR; 2733 PG; 2723 16.D.13.e paragrapn 14 and applicable low The notice will state the name and address al the new Loan Servitor and the address to which payments should be made The notice will also contain any other Information lequlred by applicable law Ejt). Hazardous Substances. Borrower shall not cause or perms the piasenco, usa, ditip00al, storage, or release of any lazardous Substances on or in the Property Borrower shall not do. nor allow anyone else to do. anything affecting the Property that is in violation of any Environmental Law The preceding two sentences shall not apply to the presence, use, or storage on the Property of small quantities of Hazardous Subalancea that are gonoralty iecognixod to be appropriate to normat residential uses and to maintenance of the Properly Harrower 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 Hazardods Substance or Environmental Law of which Borrower has actual Knowledge If Borrower leams, or iD notified by any governmental or regulatory authonly, that any removal or other iemediation of any Hazardous Substance affecting the Property is necessary. Borrower shall promptly lake all necessary remedial actions in accordance with Environmental Law As used tit this paragraph 24, "Hazardous Substances" are those substances defined as toxic or hazardous substances by Environmental Law and the following Substances gasoline, kerosene, other flammable or toxic petroleum products, toxic pesticides and herbicides volatile soivenls, materials containing asbestos or formaldehyde. and radioactive materials As used in this paragraph 20, "Fnvironmontat Law' means federal laws and taws of the jurisdiction where the Property is located that relate to health. safely or onvtronmaniai proloGlon 21, Acceleration; Remedles. Lender shall gyve notice to Borrower prtof to acceleration following Borrower's breach of any covenant or agreement in this Security Instrument (but not prior to acceleration under paragraph W unless applicable law provides otherwise) The ngtico shell specify. Jai the default. (b) the action required to cure the default. rc) a date. not leas than 30 days from Me date the notica is given to Borrower, by which the default must be cured. and Id) that failure to cure the default an or before the date specified In the notice may result in acceleration of the sums secured by this Securily instrument, rofecloaure by judicial proceeding and sale or the Property The notice shall further inform Borrower of the light to reinstate after acceleration and the sight to assert In the foreclosure proceeding [tie non-existence of a default or any other defense. of Orroweii to acceleration and foreclosure If the default Is not cured on or before the date specified in the notice, Lender, al Its option, may "r©�1tit r rned131e payment in lull of all sums secured by this Security Instrument without further demand and may foreclose this Security lr i 'r!m nnt judicial proceeding Lender shall be entitled to collect all expenses incurred in pursuing the remedies provided in this paragraph 2.J;gtct Apo but not limited lo, reasonable attorney's fees and costs of the title evidence 22. Releree, Upon payIli ettl, f all suns secured by this Security lnstiumenl. Lender shalt release this 5ectnlly Instrument.wthout Charge, to aorfower Bofrowaii Bat y ' _air recordation costs 23. Attorneys' Fas:.�As• sad -in firs Security Instrument and the Note, "attorneys' fees' shall Include any attorneys' lees awarded by an appallate court : 24, Rldors IQ thil Sal urfty°instrument. It one or more riders are executed by Borrowor and recorded tvgother Voth this Secunly Instrument, the covenants and agreements of say such rider shah be mcorporBled into and shall amend and supplement the covenants and agreements of this Security Instrument as it fh@-ri, r(s) were a part of this Security Instrument ;Chock Applicable Box) Adjustable Rate Rider Rtil�4mprovemenl Rider [] Gradualed Payment Rider 1.4 Faq ilIF hider, Balloon Rider ekr BiwePr7 rs,ns111tsder Olherls) tepeslfy :t� , \ SIGNING BELOW. Borrower accepts and agrees to the tern <hi nit is by Borrower and recorded with it DCondominium Rider L] Second Home Rider ClPlanned unit Development Rider contatael in this Security Instrument and In any nderls) executed Signed, sealed aannd delivered In the presence of Wdnesalll (! I Raquai Crispin I WilnassM2 t �_ Sfgnaturbt; . `; l� r Co- sorro,4 eO! , - Signature Address: 5417 ,Carlton,Straat [Vsplata�,•' 3br da _ 351.13 STATE OF FLORIDA _� COUNTY OF r r( I hereby cerldy that on this day. baton me, an officer duly authorized in the stale afore's ancitiin 1, a Courtly afore5ald l0 take acknowtedgements, personally appeared Raquel Crispin to me known to be the persons) described in and yr io executed the foregoing Instrument and acknowledged before me that (Hal Sher they) executed the same for the purpose lhefem `gl3 eased r WITNESS my hand and official seal in the County and Statq RI o card this J'-d� of t y r I ' c zo r r My Commission Expires (iol�fj' Public's �Ignalu 1 Notary's Printed Name =FL HILEIPSr or ttt,onta A. Cr1i}t', t Fild: 01-072 d Q1 its O E O C CU 4- N r M rn d 2 to Q Packet Pg. 1754 File Na„ 20(9)30260 16.D.13.e OR. 2733 PG, 2724 EM1131 T "A" LOT 5, BLOCK 11, NAPI,1;q MANOR ADDITION, ACCORDING TO THE PLAT THEREOF, OF RECORD IN PI.A-r BOOK 3, PAGUOS) 67 AND 618 OF THE PUBLIC REcoRDS OF COLLIER COUNTY, FLORIDA, Packet Pg. 1755 16.D.13.e HernandezlElizabeth From: LopezMaggie Sent: Monday, October 11, 2021 5:31 PM To: AquinoLuqueBianca; HernandezElizabetd Cc: Sonntag Kristi Subject: Homestead Monitoring Follow Up Flag: Follow up Flag Status: Flagged Here is my calculation if we accept a credit card payoff. in order to process to the correct revenue account, we need to know which program the property was under. � I 4,294.010 Payoff Amout $ 10.00 Recording Fee $4,304.00. Total Due 1 $ 4,437.00 JJet Pay Payoff Arnt $ 4,437.00 Payment Received I $ 4,437.00 ( Debit Casio � HomeStead Monitoring Revenue $ (4,294.010) Credit Revenue 13%Service Charge $ (133.11) Credit Misc Revenue Record ing Fee -$9.89 credit Revenue om I Respectfully, Maggie Lopez Manager- Financial & Operational Support Community and Human Services Division Collier County Government 3339 East Tamiami Trail, Building H., Suite 211, Naples, FI 34112 Phone: 239-252-4274 Maggie, Lopez@col liercount FL.�ov 0 0 0 W a_ x 0 Ln Ln 0 N C O W w U 0 0 Q. 3 Y t� m C d E U 0 Q Packet Pg. 1756 16.D.13.e Community and Human Services Making Our Community Stronger: One life, one home, one project at a time. Under Florida Law, e-mail addresses are public records, If you do not want your e-mail address released in response to a public records request, do not send electronic mail to this entity. Instead, contact this office by telephone or in writing. Packet Pg. 1757 /oI`Ola1 [ ## 16.D.13.e -' � �'i if jiSc_i�.°,. M August 26, 2021 Raquel Crispin & AKA Raquel Tveten (� 3 q) d 7 6 _ 16 5- 0 5417 Carlton Street Naples, FL 34113 / C"i ' C 4-� , URGENT! PLEASE RESOLVE THIS MATTER IMMEDIATELY PROPERTY: FOLIO# 62099600006 ADDRESS: 5417 Carlton Street Dear: Raquel Crispin, AKA Raquel Tveten Despite our previous reminders, the above -mentioned property continues to be in default of the mortgage loan given to you for the SHIP -STATE HOUSING INITIATIVES PARTNERSHIP PROGRAM for - failure to maintain as your primary residence as evidenced by a homestead exemption. As you know, your mortgage loan has no monthly payment with no interest so long as the homestead is ="rf W,y3 maintained. Due to the continued failure to maintain the homestead exemption, the full loan amount of _ 4 294.00 is now due and owing and remains unpaid. As such, we would appreciate you making this Ur � payment as soon as possible. This amount does not include any other assistance you may have received I in the form of Impact Fees or Density Bonuses. If you received either of those types of assistance, that amount will be added to the amount listed above. 14 1 c1 il, 1 0. Please remit payment made out to Collier County Board of Coun Commissioners to: Community & Human Services 3339 Tamiami Trail F, Suite 211 t� Naples, FL 34112 f Attn: Mortgage Payoff Unless payment is received within 30 days from the date of the last signature below, this matter will be forwarded to the County's debt collection agency. This could seriously affect your credit rating and therefore, if you have any questions or require further information, we urge you to contact Elizabeth Hernandez at 239-252-2903 or Elizabetli.Heriiandez@—coIliercotiniyfl.gov immediately. You have the right to dispute this debt by submitting written notice to us at the address listed above within 30 days from the date of this letter. If you dispute the debt within the 30-day timeframe, debt collection efforts will cease until the debt is validated. If the debt is not disputed within the 30-day timeframe, the collection will be considered accepted by you and forwarded to the County's collection agency. Jennifer A. Belpedio Assistant County Attorney Q Commrmity & Human Services Division - 3339 Tamiami Trail East, Suite 211 , Naples, Florida 3012-5361 239-252-CARE (2273) - 239-252-CAFE (2233) , 239-252-4230 (RSVP) • www.colliergov,neftimanservices Packet Pg. 1758 4i M jo . 1"'. (SOBER OW 10 u0113eIs14eS dIHS 0550Z) 'epeaIs3-WOS sooa do)joe8 :IuewLioLII y M�rfS C) 00 c c O — Y uU ia LU LL l S AN J- N si LY � x iL .r .1 O c� LL � -J � O 4: W =U] a.. LL, C ' o0LuLL.°i w {} �— w s c3 q _ < 4 o _ +n f3 en fi W EL LU J � � 7- LU of Ls, L 0 0 LLf U Z L.L J TZ 1 O I� Ll! CL CO L LI J H C J {L L� 4 � � es N Lr) C, • n 54 September 29, 2021 Lisandra Ledo Title Specialist 1415 Panther Lane, Suite 121 Naples, FL 34109 Re: Payoff Letter -Ernesto Estrada Diaz 5250 Gilchrist St Naples, FL 34113 File 915-083 Mortgage Type Date Recorded OR Book/Page Amount Collier County SHIP Second Mortgage Payoff 08/22/2017 5427/2565 $20,000.00 Total Amount Due $20,000.00 No payment will be required until the property is sold, transferred,ze6nanced, no longer Homesteaded, or is no longer the primary residence of the homebuyer. At tl t time the bale of the loan is due and payable. No per diem amount required. Please include with payoff a additional $10A0 fd the recording fee. Please pay with credit card at: httt)s://map-ic.collectorsolutions Coil Payment should be made to "Collier County Board of County Commissioners" and delivered to: Community & Human Services Division Attn: SHIP Payoff 3339 E. Tamiami Trail, Suite 211 Naples, FL 34112 Sincerely, ze" V 610m Lisa N. Carr Senior Grants Coordinator Community and Human Services Making Our Communify Stronger, One life, One Home, One Project a Time Iisa.carr@colliercouniyfl.gov Communily & Human Services Division - 3339 Tamiami Trail East, Suite 21l • Maples, Florida 34112-5361 239-252-CARE (2273) - 239-252-CAFE (2233) - 239-252-4230 (RSVP) • vrww.colliergov.netAuimanservices Packet Pg. 1760 INSTR 5443578 OR 5427 PG 2565 RECORDED 8/22/2017 2:45 PM PAGES 5 DWIGHT E. BROCK, CLERK OF THE CIRCUIT COURT, COLLIER COUNTY FLORIDA DOC@.35 $70.00 REC $44.00 OBLD $20,000.00 16.D.13.f Prepared by and Return to: Donald Luciano Collier County Community & Human Services Division 3339 E. Tamiami Trail, Building H, Suite 211 Naples, Florida 34112 STATE HOUSING INITIATIVES PARTNERSHIP (SHIP) PROGRAM SECOND MORTGAGE THIS SECOND MORTGAGE ("Security Instrument") is given on /<,;;, day of (%� (J S� 2017. The Mortgagor is: Ernesto Estrada Diaz, a single man This Security Instrument is given to, Collier County — SHIP ("Lender"), which is organized and existing under the laws of the United States of America,, and ose address is 3339 E. Tamiami Trail, Naples, Florida 34112. Borrower owes Lender the sum of Twenty Th"s' d and 00/100 Dollars ($20 , 000. 00) . This debt is evidenced by Borrower's Note dated the same date as this Security Instrum ("Second Mortgage"), which does not provide for monthly payments. The full debt, if not paid earlier, is due upon sale of the orooertvile y nsfer, refinance. home is no longer primary residence, or is leased or rented within the fifteen year term. If sold after the fifteen year too repayment is required. As long as the borrower continues to own and occupy the assisted property during the term of the mortga en he loan will not have to be repaid. This Security Instrument secures to Land& (a) the repayment of the debt evidenced by the Note, with interest, and all renewals, extensions and modifications; (b) the payment of all other sums,;avith interest advanced under paragraph 7 to protect the security of the Security Instrument; and (c) the performance of Borrowei"�o*ants and agreements under this Security Instrument and the Note. For this purpose, Borrower does hereby second mortgage gra7 `and Eonvey to Lender the following described property located in Collier County, Florida. As more particularly described as: of: ("Property Address"): TOGETHER WITH all the improvements now or haree Te dere tec royalties, mineral, oil and gas rights and profits, water rights ans anti, and additions shall also be covered by the Security Instrument A of th , fi BORROWER COVENANTS that Borrower is lawfully seized hr convey the Property and that the Property is unencumbered, except r,enc the title to the Property against all claims and demands, subject to anyi THIS SECURITY INSTRUMENT combines uniform covenants,f jurisdiction to constitute a uniform security instrument covering real property UNIFORM COVENANTS. Borrower and Lender covenant and ag 1. Payment of Principal and Interest; Prepayment and Late C interest on the debt evidenced by the Note. 2. Taxes. The Mortgagor will pay all taxes, assessments, sewer thereon. which has the address (State) (zip) N N rn R 0 0 2 0 0 c 0 R w N N a_ 2 rn on the property, and all easements, rights, appurtenances, rents, C ill fixtures now or hereafter a part of the property. All replacements Ln egoing is referred to in this Security Instrument as the "Property". N ?`tate hereby conveyed and has the right to mortgage, grant and ances of record. Borrower warrants and will defend generally �yces of record. m gakl,use and non -uniform covenants with limited variation by ,,, shall promptly pay when due the principal of and prior to the accrual of any penalties or interest The Mortgagor shall pay or cause to be paid, as the same respectively bedtime, (A)(1) all taxes and governmental charges of any kind whatsoever which may at any time be lawfully assessed or levied against or with rrespect tothe Property, (2) all utility and other charges, including "service charges", incurred or imposed for the operation, maintenance, use occupy u eep and improvement of the Property, and (3) all assessments or other governmental charges that may lawfully be paid in installments ' er a pbdod of years, the Mortgagor shall be obligated under the Mortgage to pay or cause to be paid only such installments as are requ'it. be during the term of the Mortgage, and shall, promptly after the payment of any of the foregoing, forward to Mortgagee evidence of such pa)meri . 3. Application of Payments. Unless applicable law provides otherwise, all payments r 1M blender shall be applied; first, to interest due; and, to principal due; and last, to any late charges due under the Note. ,�'` 4. Charges; Liens. Borrower shall pay all taxes, assessments, charges, fines and imposit6l m lri�s� able to the Property which may attain priority over this Security Instrument, and leasehold payments or ground rents, if any. Borrower shah pfdrCA�tly furnish to Lender all notices of amounts to be paid under this paragraph, and all receipts evidencing the payments. Borrower shall promptly discharge any lien which has priority over this Security Instrument unless$: (a) agrees in writing to the payment of the obligation secured by the lien in a manner acceptable to Lender; (b) contests in good felfil the lien by, or defends against enforcement of the lien in, legal proceedings which in the Lender's opinion operate to prevent the enforcement of the lien; or (c) secures from the holder of the lien an agreement satisfactory to Lender subordinating the lien to this Security Instrument. If Lender determines that any part of the Property is subject to a lien which may attain priority over the Security Instrument, Lender may give Borrower a notice identifying the lien. Borrower shall satisfy the lien or take one or more of the actions set forth above within 10 days of the giving of notice. 5. Hazard or Property Insurance. Borrower shall keep the improvements now existing or hereafter erected on the Property insured against loss by fire, hazards included within the term "extended coverage" and any other hazards, including floods or flooding, for which Lender requires insurance. This insurance shall be maintained in the amounts and for the periods that Lender requires. The insurance carrier providing the insurance shall be chosen by Borrower subject to Lender's approval which shall not be unreasonably withheld. If Borrower fails to maintain coverage described above, Lender may, at Lender's option, obtain coverage to protect Lender's rights in the Property in accordance with paragraph 7. At all times that the Note is outstanding, the Mortgagor shall maintain insurance with respect to the Premises against such risks and for such amounts as are customarily insured against and pay, as the same become due and payable, all premiums in respect thereto, including, but not limited to , all-risk insurance protecting the interests of the Mortgagor and Mortgagee against loss or damage to the Premises by fire, lightning, and other casualties customarily insured against (including boiler explosion, if appropriate), with a uniform standard extended coverage endorsement, including debris removal coverage. Such insurance at all times to be in an amount not less than the full replacement cost of the Premises, exclusive of footings and foundations. All insurance policies and renewals shall be acceptable to Lender and shall include a standard mortgage clause. Lender shall have the right to hold the policies and renewals. If Lender requires, Borrower shall promptly give to Lender all receipts of paid premiums and renewal notices. In the event of loss, Borrower shall give prompt notice to the insurance carrier and Lender. Lender may make proof of loss if not made promptly by Borrower. Unless Lender and Borrower otherwise agree in writing, insurance proceeds shall be applied to restoration or repair of the Property damaged, if the restoration or repair is economically feasible and Lender's security is not lessened. If the restoration or repair is not economically feasible or Lender's security would be lessened, the insurance proceeds shall be applied to the sums secured by the Security Instrument, whether or not then due, with any excess paid to Borrower. If Borrower abandons the Property, or does not answer within 30 days a notice from Lender that the insurance carrier has offered to settle a claim, then Lender may collect the insurance proceeds. Lender may use the proceeds to repair or restore the Property or to pay sums secured by this Security Instrument, whether or not then due. The 30-day period will begin when the notice is mailed. Unless Lender and Borrower otherwise agree in writing, any application of proceeds to principal shall not extend or postpone the due date of the monthly payments referred to in paragraph 1 or change the amount of the payments. If under paragraph o. 3 Y u m m r d E 0 M R Q Packet Pg. 1761 OR 5427 PG 2566 16.D.13.f 21 the Property is acquired by Lender, Borrower's right to any insurance policies and proceeds resulting from damage to the Property prior to the acquisition shall pass to Lender to the extent of the sums secured by this Security Instrument immediately prior to the acquisition. 6. Occupancy, Preservation, Maintenance and Protection of the Property; Borrower's Loan Application, Leaseholds. Borrower shall occupy, establish, and use the Property as Borrower's principal residence within sixty days after the execution of this Security Instrument and shall continue to occupy the Property as Borrower's principal residence for at least one year after the date of occupancy, unless Lender otherwise agrees in writing, which consent shall not be unreasonably withheld, or unless extenuating circumstances exist which are beyond Borrower's control. Borrower shall not destroy, damage, or impair the property, allow the property to deteriorate, or commit waste on the property. Borrower shall be in default if any forfeiture action or proceeding, whether civil or criminal, is begun that in Lender's good faith judgment could result in forfeiture of the Property or otherwise materially impair the lien created by this Security Instrument or Lender's security interest. Borrower may cure such a default and reinstate, as provided in paragraph 18, by causing the action or proceeding to be dismissed with a ruling that, in Lender's good faith determination, precludes forfeiture of the Borrower's interest in the Property or other material impairment of the lien created by this Security Instrument or Lender's security interest. Borrower shall also be in default if Borrower, during the loan application process, gave materially false or inaccurate information or statements to Lender (or failed to provide Lender with any material information) in connection with the loan evidenced by the Note, including, but not limited to, representations concerning Borrower's occupancy of the Property as a principal residence. If this Security Instrument is on a leasehold, borrower shall comply with all the provision of the lease. If Borrower acquires fee title to the Property, the leasehold and the fee title shall not merge unless Lender agrees to the merger in writing. 7. Protection of Lender's Rights in the Property. If Borrower fails to perform the covenants and agreements contained in this Security Instrument, or there is a legal proceeding that may significantly affect Lender's rights in the Property (such as a proceeding in bankruptcy, probate, for condemnation or forfeiture or to enforce laws or regulations), then Lender may do and pay for whatever is necessary to protect the value of the Property and Lender's rights in the Property. Lender's actions may include paying any sums secured by a lien which has priority over this Security Instru ant, in court, paying reasonable attorneys' fees and entering on the Property to make repairs. this Although Lender may take action u, er this paragraph 7, Lender does not have to do so. Any amounts disbursed by Lender under this paragraph 7 shall become atlo f dibt of Borrower secured by this Security Instrument. Unless Borrower and Lender agree to other terms of payment, these amounts shall bIaifr interest from the date of disbursement at the Note rate and shall be payable, with interest, upon notice from Lender to Borrower requettrrig ym t. 8. Mortgage Insurance, f Len F�required mortgage insurance as a condition of making the loan secured by this Security 0) Instrument, Borrower shall pay the pfe s}equired to maintain the mortgage insurance in effect. If, for any reason, the mortgage insurance at coverage required by Lender lapses or ceat%s t be in effect, Borrower shall pay the premiums required to obtain coverage substantially o equivalent to the mortgage insurance pr9w'usl' in effect, at a cost substantially equivalent to the cost to Borrower of the mortgage insurance previously in effect, from an alternate mortgage insurer approved by Lender. If substantially equivalent mortgage insurance coverage is not p available, Borrower shall pay to Lender each month,a,< um equal to one -twelfth of the yearly mortgage insurance premium being paid by a Borrower when the insurance coverage lapsZti . " sed to be in effect. Lender will accept, use and retain these payments as a loss reserve In in lieu of mortgage insurance. Loss reserve paym is may no be required, at the option of Lender, if mortgage insurance coverage (in the amount and for the period that Lender requi ) orby an insurer approved by Lender again becomes available and is obtained. H Borrower shall pay the premiums required to maintain I ortga a insurance in effect, or to provide a loss reserve, until the requirement for — mortgage insurance ends in accordance with any wr#t n. grgergant between Borrower and Lender or applicable law. y 8. Inspection. Lender or its agent may makasa ble entries upon and inspections of the Property. Lender shall give Borrower *ase6 for inspection. IL notice at the time of or prior to an inspection specifying ause the _ 10. Condemnation. The proceeds of any award `et0irri for damages, direct or consequential, in connection with any condemnation or other taking of any part of the Property, or fora an ' Her at ndemnation, are hereby assigned and shall be paid to Lender. In the event of a total taking of the Property, the proceeds shall be 3p�jedtoe, sums secured by this Security Instrument, whether or not then due, Ln with any excess paid to Borrower. In the event of a partial taking'o� the Property, in which the fair market value of the Property immediately o � before the taking is equal to or greater than the amount of the su`rfis secured: y this Security Instrument immediately before the taking, unless Borrower and Lender otherwise agree in writing, the sums secured by this es�1my Instrument shall be reduced by the amount of the proceeds multiplied by the following fraction: (a) the total amount of the sums securest-,r"iediately before the taking, divided by (b) the fair market value of the Property immediately before the taking. Any balance shall be pao Ba�rot er. In the event of a partial taking of the Property in which the fair market value of the Property immediately before the taking is lessAllah,Ihe ri ount of the sums secured immediately for the taking, in law the be to the W unless Borrower and Lender otherwise agree writing or unless applicable oti rwjse provides, proceeds shall applied sums Lu secured by this Security Instrument whether or not the sums are then due. Ur)Iess Log r and Borrower otherwise agree in writing, any application of proceeds to principal shall not extend or postpone the due date of t7g: payments referred to in paragraphs 1 or change y the amount of such payments. ' yr 11. Borrower Not Released, Forbearance By Lender Not a Waiver e on ' the time for payment or modification of p amortization of the sums secured by this Security Instrument granted by Lender to An � sor in interest of Borrower shall not operate to G release the liability of the original Borrower or Borrower's successors in interest. I-ende all not be required to commence proceedings a against any successor in interest or refuse to extend time for payment or otherwise modify amortization of the sums secured by this Security Y Instrument by reason of any demand made by the original Borrower or Borrower's successor fn interest. Any forbearance by Lender in exercising any right or remedy shall not be a waiver of or preclude the exercise of any right ornamedy. m 12. Successors and Assigns Bound; Joint and Several Liability; Co -Signers. Th4 covenants and agreements of this Security Instrument shall bind and benefit the successors and assigns of Lender and Borrower, subject to the provisions of paragraph 17. Borrower's d covenants and agreements shall be joint and several. Any Borrower who co-signs this Security Instrun*tkut does not execute the Note; (a) is E co-signing this Security Instrument only to mortgage, grant and convey that Borrower's interest in th-e-Propprty}tunder the terms of this Security Instrument; is to the bythis Security Instrument; (cAgrees�th t Lender and any other ;a (b) not personally obligated pay sums secured and Borrower may agree to extend, modify, forbear or make any accommodations with regard to the terms of this Seurity Instrument or the Note Q without that Borrower's consent. _ S, 13. Loan Charges. If the loan secured by this Security Instrument is subject to a law which sets>rd ,zrmum loan charges, and that law is finally interpreted so that the interest or other loan charges collected or to be collected in connection with the loan exceed the permitted limits, then: (a) any such loan charge shall be reduced by the amount necessary to reduce the charge to the permitted limit; and (b) any sums already collected from Borrower which exceeded permitted limits will be refunded to Borrower. Lender may choose to make this refund by reducing the principal owed under the Note or by making a direct payment to Borrower. If a refund reduces principal, the reduction will be treated as a partial prepayment without any prepayment charge under the Note. 14. Notices. Any notice to Borrower provided for in this Security Instrument shall be given by delivering it or by mailing it by first class mail unless applicable law required use of another method. The notice shall be directed to the Property Address or any other address Borrower designates by notice to Lender. Any notice to Lender shall be given to Borrower or Lender when given as provided in this paragraph. 15. Governing Law; Severability. This Security Instrument shall be governed by federal law and the law of the jurisdiction in which the Property is located. In the event that any provision or clause of this Security Instrument or the Note conflicts with applicable law, such conflict shall not affect other provisions of this Security Instrument or the Note which can be given effect without the conflicting provision. To this end the provisions of this Security Instrument and the Note are declared to be severable. 16. Borrower's Copy. Borrower shall be given one conformed copy of the Note and of this Security Instrument. 17. Transfer of the Property or a Beneficial Interest in Borrower. fall or any part of the Property or any interest in it is sold or transferred (or if a beneficial interest in Borrower is sold or transferred and Borrower is not a natural person) without Lender's prior written consent, Lender may, at its option, require immediate payment in full of all sums secured by this Security Instrument. However, this option shall not be exercised by Lender if exercise is prohibited by federal law as of the date of this Security Instrument. If Lender exercised this option, Lender shall give Borrower notice of acceleration. The notice shall provide a period of not less than 30 days from the date the notice is delivered or mailed within which Borrower must pay all sums secured by this Security Instrument. If Borrower fails to pay these sums prior to the expiration of this period, Lender may invoke any remedies permitted by this Security Instrument without further notice or demand on Borrower. 18. Borrower's Right to Reinstate. If Borrower meets certain conditions, Borrower shall have the right to have enforcement of this Security Instrument discontinued at any time prior to the earlier of: (a) 5 days (or such other period as applicable law may specify for reinstatement) before sale of the Property pursuant to any power of sale contained in this Security Instrument; or (b) entry of a judgment enforcing this Security Instrument. Those conditions are that Borrower: (a) pays Lender all sums which then would be due under this Security Instrument and the Note as if no acceleration had occurred; (b) cures and default of any other covenants or agreements; (c) pays all expenses incurred in enforcing this Security Instrument, including, but not limited to, reasonable attorney's fees; and (d) takes such action as Lender may reasonably require to assure that the lien of this Security Instrument, Lender's rights in the Property and Borrower's obligation to pay the sums Packet Pg. 1762 OR 5427 PG 2567 16.D.13.f secured by this Security Instrument shall continue unchanged. Upon reinstatement by Borrower, this Security Instrument and the obligations secured hereby shall remain fully effective as if no acceleration had occurred. However, this right to reinstate shall not apply in the case of acceleration under paragraph 17. 18. Sale of Note; Change of Loan Servicer. The Note or a partial interest in the Note (together with this Security Instrument) may be sold one or more times without prior notice to Borrower. A sale may result in a change in the entity (known as the "Loan Servicer") that collects monthly payments due under the Note and this Security Instrument. There also may be one or more changes of the Loan Servicer unrelated to a sale of the Note. If there is a change of the Loan Servicer, Borrower will be given written notice of the change in accordance with paragraph 14 and applicable law. The notice will state the name and address of the new Loan Servicer and the address to which payments should be made. The notice will also contain any other information required by applicable law. 20. Hazardous Substances. Borrower shall not cause or permit the presence, use, disposal, storage, or release of any Hazardous Substances on or in the Property. Borrower shall not do, nor allow anyone else to do, anything affecting the Property that is in violation of any Environmental Law. The preceding two sentences shall not apply to the presence, use, or storage on the Property of small quantities of Hazardous Substances that are generally recognized to be appropriate to normal residential uses and to maintenance of the Property. Borrower shall promptly give Lender written notice for any investigation, claim, demand, lawsuit or other action by any governmental or regulatory agency or private party involving the Property and any Hazardous Substance or Environmental Law of which Borrower has actual knowledge. If Borrower learns, or is notified by any governmental or regulatory authority, that any removal or other remediation of any Hazardous Substance affecting the Property is necessary, Borrower shall promptly take all necessary remedial actions in accordance with Environmental Law. As used in this paragraph 20, "Hazardous Substances" are those substances defined as toxic or hazardous substances by Environmental Law and the following substances: gasoline, kerosene, other Flammable or toxic petroleum products, toxic pesticides and herbicides, volatile solvents, materials containing asbe Vos or formaldehyde, and radioactive materials. As used in this paragraph 20, "Environmental Law" means federal laws and laws of the junsdi IC11 where the Property is located that relate to health, safety or environmental protection. 21. Acceleration,,^gym i Lender shall give notice to Borrower prior to acceleration following Borrower's breach of any covenant or agreement in this Security Instr ;1 ,(kut not prior to acceleration under paragraph 17 unless applicable law provides otherwise). The notice shall specify: (a) the def 1a11e ction required to cure the default; (c) a date, not less than 30 days from the date the notice is given to Borrower, by which the default must be red; 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 b - Security Instrument, foreclosure by judicial proceeding and sale of the Property. The notice shall further inform Borrower of the right to reinsta�aaier acceleration and the right to assert in the foreclosure preceding the non-existence of a default or any other defense of Borrowei r ccgeration 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 judlcia( proceedi . Lender shall be entitled to collect all expenses incurred in pursuing the remedies provided in this paragraph 21, including, bufh& i`i to, reasonable attorney's fees and costs of the title evidence. 22. Release. Upon payment of all sums ecured by this Security Instrument, Lender shall release this Security Instrument, without charge, to Borrower. Borrower shall pay any re dation costs. 23. Attorneys' Fees. As used in this Secuii"ment and the Note, "attorneys' fees" shall include any attorneys' fees awarded by an appellate court. i 24. Riders to this Security Instrument. If oaeor' riders are executed by Borrower and recorded together with this Security Instrument, the covenants and agreements of each such r1 `'sa incorporated into and shall amend and supplement the covenants and agreements of this Security Instrument as if the rider(s) we I fli rt"d this Security Instrument. (Check Applicable Box) ❑ Adjustable Rate Rider ❑ Rate Improvement ❑ Graduated Payment Rider ❑ 1-4 Family Rider ❑ Balloon Rider ❑ Biweekly Payment ❑ Other(s) (specify SIGNING BELOW, Borrower accepts and agrees to the terms and by Borrower and recorded with it. Signed, sealed and delivered in the presence of: Signature: 9� - Signature: Ernesto Estrada Diaz Address: STATE OF FLORIDA ❑ Condominium Rider ❑ Second Home Rider ❑ Planned Unit Development Rider this Security Instrument and in any rider(s) executed COUNTY OF COLLIER rC� �t I hereby certify that, �rV l J "�� who is/are personally known to me or who has/have produced �!� 1 �( �2�+ ram— as identification, executed the foregoing instrument and acknowledged before me that (He/ she/ they) executed the same for the purpose therein expressed. WITNESS my hand and officiZ�� he County and State afores id this '-day of My Commission Expires: (Sea)) �,,'�°i"•''�'°y��: ,"�AONICA GEN0VES[� —1 MYCOPgNI5SI0N111191394 I Notary's Printed Name ry 2. 2079 FXPIRES: Februa III SHE' File#: 15-083 SHIP Purchase Assistance Program N N rn R 0 0 2 0 0 r- 0 w V! R to IL to 0 un 0 0 a 3 Y M m m r d E r M ea Q Packet Pg. 17631 OR 5427 PG 2568 16.D.13.f STATE HOUSING INITIATIVES PARTNERSHIP (SHIP) PROGRAM PROMISSORY NOTE Borrower: Ernesto Estrada Diaz 5250 Gilchrist St Naples FL 34113 (Property Address) (City) (State) (Zip) 1. BORROWER(S) PROMISE TO PAY: I/We promise to pay Twenty Thousand and 00/100 Dollars ($20,000.00) (this amount will be called "principal") to the order of Collier County - SHIP or to any other holder of this Note (the "Lender"), whose address is 3339 E. Tamiami Trail, Naples, Florida 34112. I/We understand that the Lender may transfer the Promissory Note. The Lender or anyone who takes this Note by transfer and who is entitled to receive payments under this Note will be called the "Note Holder". 2. INTEREST: Interest on this Note shall be zero percent (0%) per annum; except that if I/We fail to pay this Note as required, the interest rate shall be twelve percent (12%) per annum from,theddate when payment of this Note is due until I/We pay it in full. 3. PAYMENTS: Payment, in full is due upon sale of property, title transfer, refinance, home is no lon er rims "r sident or is leased or rented within the fifteen year deferred payment term. If sot ;, title transferred, refinanced, home is no longer primary resident, or is leased or",rented after the fifteen year term, no repayment is required. As long as the borrower''o ntinues to own and occupy the assisted property during the term of the mortgage then the loan will not have to be repaid. My/Our total payment shall be U.S. $20,000.00.,- 4. BORROWER'S RIGHT TO PREPAY:/ I/We have the right to make payments of principal at any time before they are due. k payment of principal only is known as a "prepayment". When I/We make a prepayment, I/we w4T tell the Note Holder in writing that I/we am doing so. I/We may make a full prepayment --or partial prepayment charge. The Note Holder will use all of my prepayments to reduce the. 'amount of the principal that I owe under this Note. If I/We make a partial prepayment,,, there, will be no changes in the due date or in the amount of my monthly payment unlesshe: Note Holder agrees in writing to those changes. If I/We make a partial prepayment, th7r4 will be no prepayment penalty adhering to or associated with such prepayment t 5. LOAN CHARGES: If a law, which applies to tky�ti`loan and which sets maximum loan charges, is finally interpreted so that the interest •br other loan charges collected or to be collected in connection with this loan exa6ed.Ae permitted limits; then (i) any such loan charges shall be reduced by the amount necessary to reduce the charges to the permitted limit; and (ii) any sums already co'leoted from me which exceeded permitted limits will be refunded to me/us. The Note Hold r-`may choose to make this refund by reducing the principal that I/We owe under this, Note 'or by making a direct payment to me/us. If a refund reduces principal, the redu tion will be treated as a partial prepayment. 6. SUBORDINATION: Lender and Borrower acknowledge and agreb that this Security Instrument is subject and subordinate in all respects to the liens,'' -terms, covenants and conditions of the First Deed of Trust and to all advances heretofore made or which may hereafter be made pursuant to the First Deed of Trust including all sums advanced for the purpose of (a) protecting or further securing the lien of the First Deed;,-6f`Trust, curing defaults by the Borrower under the First Deed of Trust or for any. dthpr purpose expressly permitted by the First Deed of Trust or (b) constructing', ,renovating, repairing, furnishing, fixturing or equipping the Property. The terms and provisions of the First Deed of Trust are paramount and controlling, and they superseo�,•enp other terms and provisions hereof in conflict therewith. In the event of a foreclosure or deed in lieu of foreclosure of the First Deed of Trust, any provisions herein or any provisions in any other collateral agreement restricting the use of the Property to low or moderate income households or otherwise restricting the Borrower's ability to sell the Property shall have no further force or effect on subsequent owners or purchasers of the Property. Any person, including his successors or assigns (other than the Borrower or a related entity of the Borrower), receiving title to the Property through a foreclosure or deed in lieu of foreclosure of the First Deed of Trust shall receive title to the Property free and clear from such restrictions. Further, if the Senior Lien Holder acquires title to the Property pursuant to a deed in lieu of foreclosure, the lien of this Security instrument shall automatically terminate upon the Senior Lien Holder's acquisition of title, provided that (i) the Lender has been given written notice of a default under the First Deed of Trust and (ii) the Lender shall not have cured the default under the First Deed of Trust within the 30-day period provided in such notice sent to the Lender. 7. BORROWER(S) FAILURE TO PAY AS REQUESTED: (A) Default If I/we do not pay the full amount as required in Section 3 above, I/we will be in default. If I am in default, the Note Holder may bring about any actions not prohibited by applicable law and require me/us to pay the Note Holder's cost and expenses as described in (B) below. N m w rn t: 0 0 c 0 .; w w N IL _ 2 Cn 0 LO N v N W 2 O a 0 0 c a c Y m 00 u(i E t m Q Packet Pg. 1764 *'T* OR 5427 PG 2569 **" 16.D.13.f (B) Payment of Note Holder's Cost and Expenses If the Note Holder takes such actions as described above, the Note Holder will have the right to be paid back for all of its costs and expenses, including, but not limited to, reasonable attorneys' fees. 8. GIVING OF NOTICES: Unless applicable law required a different method, any notice that must be given to me/us under the Note will be given by delivering it or by mailing it by first class mail to me at the Property Address on Page 1 or at a different address if I/we give the Note Holder a notice of my/our different address. Any notice that must be given to the Note Holder under this Note will be given by mailing it by first class mail to the Note Holder at the address stated in Section 3(A) or at a different address if I/we have been given a notice of that different address. 9. OBLIGATIONS OF PERSONS UNDER THIS NOTE: If more than one person signs this Note, each person is fully and personally obligated to keep all of the promises made in this Note, including the promise to pay the full amount owed. Any person who is a guarantor, surety or endorser of this Note is also obligated to do these things. Any person, who takes over these obligations, including the obligations of a guarantor, surety or endorser of this N8te, is also obligated to keep all of the promises made in this Note. The Note Holdet:m � enforce its rights under this Note against each person individually or against all of -`us together. This means that any one of us may be required to pay all of the amounts owed under this Note. 10. WAIVERS: I and any -other person who has obligations under this Note waive the rights of o presentment and noticerof"dishonor. "Presentment" means the right to require the Note M Holder to demand payment of amounts due. "Notice of Dishonor" means the right to 0 require the Note Holder torgiwe notice to other persons that amounts due have not been c paid. - u i m 11. UNIFORM SECURED NOTE: This Note is,a uniform instrument with limited variations in some y jurisdictions. In addition to (the protection given to the Note Holder under this Note, a Mortgage, Deed of Trust or'SeCurity, Deed (the "Security Instrument"), dated the same date as this Note, protects the Ngte Holder from possible losses which might result if a I/we do not keep the promises whirh,�I%we make in this Note. That Security Instrument y describes how and under what condition¢ 'I/we may be required to make immediate payment in full of all amounts I/we owe undet this` Note. Some of those conditions are described Ln as follows: - N e Transfer of the Property or a Beneficial/ Interest in Borrower: If all or any part of the property or any interest in it is so4 ors,transferred (or if a beneficial interest a in Borrower is sold or transferred And Borrower is not a natural person) without Lender's prior written consent, Lender may, at' `itr option, require immediate payment in W full or all sums secured by this Security Instent,. However, this option shall not be exercised by Lender if exercise is prohibited by federal law as of the date of this y Security Instrument. w 0 If Lender exercises this option, Lender shall givee-Borrower notice of acceleration. The G notice shall provide a period of not less than thirty (30) days from the date the notice C is delivered or mailed, within which Borrower must pay -_sums secured by this Security ,all Instrument. If Borrower(s) fail to pay these sums prior;to the expiration of this 119 m period, Lender may invoke any remedies permitted by th4.Sec urity Instrument without further notice or demand on Borrower. Notwithstanding the above, the Lender's rights to collect -'and -apply the insurance t proceeds hereunder shall be subject and subordinate to the right)>,of the Senior Lien R Holder to collect and apply such proceeds in accordance with the Fir at Deed of Trust. Q 12. This note is governed and construed in accordance with the Lama otjthe'State of Florida. WITNESS THE HAND(S) AND SEAL(S) OF THE UNDERSIGNED. c)CW/IsP Ernesto Estrada Diaz Date Date RETURN TO: Collier County Community 6 Human Services SHIP PURCHASE ASSISTANCE PROGRAM 3339 E. Tamiami Trail, Building H, Suite 211 Naples, Florida 34112 SHIP File#:15-083 Packet Pg. 1765 16.D.13.f Title Specialists of the Gulf Coast, Inc. 1415 Panther Lane, Suite 121 Naples, Florida 34109 Phone: 239-443-1499 Fax: 239-236-1599 September 29, 2021 Pay Off Department Re: Our File Number: 21-1093 Mortgagor: Ernesto Estrada Diaz Property Address: 5250 Gilchrist St, Naples, Florida 34113 Social: xxx-xx-9704 Please be advised we have been instructed to close title on the above captioned transaction and we require a written pay off letter from you for same. We expect to close on or before November 5, 2021 and your mortgage will be satisfied at that time. Please provide the payoff amount good through the expected closing date as well as a per diem amount. Please FAX the information to our office. Our fax number Fax: 239-236-1599 . Thank you in advance for your cooperation. Please reference our file number in all correspondence. Sincerely, Maria Ribera AUTHORIZATION I/We hereby authorize TITLE SPECIALISTS OF THE GULF COAST, INC. to contact vendors/lien holders listed above to obtain information and/or written payoff statements on my behalf. Please furnish any and all pertinent information to them as they may require. A photocopy of this authorization bearing my/our signature(s) may be deemed the equivalent of the original. Pay Off Request Letter Packet Pg. 1766 a) M 10 UOIIOBIS148S dIHS : o55oZ) eullow zopueuaa.4-woS s3oa dnipe8 :;uewt43LI;V }� qY Y, Up) .� rD v rd m o � r, V N z 1E 1 W �zV�Sv La oIL) r W cti rw?CL � z Z W 0 � W � x c V t LLI C[f z; Lu C; q� LL. �-00 VA OSSOZ) euiloW zopueuaa=I-WOS sooa dnjoe8 :Iuewt4oe;;d yCD [: LO �J J LIB Lu p JLUCJ a H 7 LU 10 T 10 LU 0 ■L cc 0 Ll- 00 CO ti T a 4a CD Y V a 16.D.13.g Mortgage Type.: Date Recorded OR BooliMage Amount . Collier County SHIP Second Mortgage: Paoff .. 07l2612011 .4704/2733 $3,000.00 :Total Amount Due ._ .,;', V1000 00 INSTR 4589845 OR 4704 PG 2733 RECORDED 7/26/2011 1:49 PM PAGES 3 DWIGHT E. BROCK, CLERK OF THE CIRCUIT COURT, COLLIER COUNTY FLORIDA DOC@.35 $10.50 REC $27.00 OBLD $3,000.00 OBLI $0.00 16.D.13.g �G -yam2— STATE HOUSING INITIATIVES PARTNERSHIP (SHIP) PROGRAM ry / �J • I%U SECOND MORTGAGE THIS SECOND MORTGAGE ("Security Instrument") is given on day of , 2011. The Second Mortgagor is: Guillermo Fernandez Molina, a married man ("Borrower"). This Security Instrument is given to Collier County ("Lender'), which is organized and existing unde the laws of the United States of America, and whose address is 3339 E. Tamiami Trail , Naples, Florida 34112 . Borrower owes Lender the sum of Three Thousand and 00/100 Dollars ($3, 000.00) . This debt is evidenced by Borrowers Note dated the same date as this Security Instrument ("Second Mortgage"), which provides for monthly payments, with the full debt if not paid earlier, due and payable on sale of property, refinance, or loss of homestead exemption . This Security Instrument secures to Lender: (a) the repayment of the debt evidenced by the Note, with interest, and all renewals, extensions and modifications; (b) the payment of all other sums, with interest advanced under paragraph 7 to protect the security of the Security Instrument; and (c) the performance of Borrowers covenants and agreements under this Security Instrument and the Note. For this purpose, Borrower does hereby second mortgage, grant and convey to Lender the following described property located in Collier County, Florida. As more particularly described Golden Gate Unit 2 Blk 55 Lot 4 OR 778 PG 1099 Public Records of Collier County, Florida and which'has'theaddress of: ("Property Address"): 1842 4r°`p1"Terrace SW Naples Florida 34116 TOGETHER WITH all the improvements now or hereafter erected on the property, and all easements, rights, appurtenances, rents, royalties, mineral, oil and gas rights and profits.wa}er rights and stock and all fixtures now or hereafter a part of the property. All replacements and additions shall also be covered by the Security Instrument. All of the foregoing is referred to in this Security Instrument as the "Property". BORROWER COVENANTS that Borrower is lawfully seized of the estate hereby conveyed and has the right to mortgage, grant and convey the Property and that the Property is urfencumbered, except for encumbrances of record. Borrower warrants and will defend generally the title to the Property against all claims and demands, su$ject to any encumbrances of record. THIS SECURITY INSTRUMENT combines unifor#n covenants for national use and non -uniform covenants with limited variation by jurisdiction to constitute a uniform security instrument coveririg real property. UNIFORM COVENANTS. Borrower and Lendefeovepbnt and agree as follows: 1. Payment of Principal and Interest; Prepayment and,, ate Charges. Borrower shall promptly pay when due the principal of and interest on the debt evidenced by the Note. 2. Taxes. The Mortgagor will pay all taxes, assessme is _sewer rents or water rates prior to the accrual of any penalties or interest thereon. The Mortgagor shall pay or cause to be paid, as the same rpoec.tively become due, (A)(1) all taxes and governmental charges of and kind whatsoever which may at any time be lawfully assessed or levied agaictst or with respect to the Property, (2) all utility and other charges, including "service charges", incurred or imposed for the operation, mart ante, use, occupancy, upkeep and improvement of the Property, an (3) all assessments or other governmental charges that may lawfullybe p irf in installments over a period of years, the Mortgagor shall be obligated under the Mortgage to pay or cause to be paid only such insfalimeats a"re required to be paid during the term of the Mortgage, and shall, promptly after the payment of any of the foregoing, forward to Mortgagee.evidence of such payment. 3. Application of Payments. Unless applicable law provides otherwise; all payments received by Lender shall be applied; first, to interest due; and, to principal due; and last, to any late charges due under the l[ote., 4. Charges; Liens. Borrower shall pay all taxes, assessments, charges; finees and impositions attributable to the Property which ma attain priority over this Security Instrument, and leasehold payments or ground rents; ff any' Borrower shall promptly furnish to Lender all notices of amounts to be paid under this paragraph, and all receipts evidencing the,' �aymetrts. Borrower shall promptly discharge any lien which has priority over this Seutity`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 Lenders opinion operate to prevefit the Onforcement 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 alien which may attain priority over the Security Instrument, Len erpay give Borrower a notice identifying the lien Borrower shall satisfy the lien or take one or more of the actions set forth above within 10 days of the'giving of notice. 5. Hazard or Property Insurance. Borrower shall keep the improvements now existing_oyNereafter erected on the Property insured against loss by fire, hazards included within the term "extended coverage" and any other hazards, including oods or flooding, for which Lendei requires insurance. This insurance shall be maintained in the amounts and for the periods that Lerider requ e�. The insurance carrier providing the insurance shall be chosen by Borrower subject to Lenders approval which shall not be unreasoryably withheld. If Borrower fails tt maintain coverage described above, Lender may, at Lenders option, obtain coverage to protect Lenders rights,jrt 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 renews 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 mad promptly by Borrower. Unless Lender and Borrower otherwise agree in writing, insurance proceeds shall be applied to restoration or repair of the Property damaged, if the restoration or repair is economically feasible and Lenders security is not lessened. If the restoration or repair is not economically feasible or Lenders security would be lessened, the insurance proceeds shall be applied to the sums secured by the Security Instrument, whether or not then due, with any excess paid to Borrower. If Borrower abandons the Property, or does not answer within 30 days a notice from Lender that the insurance carrier has offered to settle a claim, then Lender may collect the insurance proceeds. Lender may use the proceeds to repair or restore the Property or to pay sums secured by this Security Instrument, whether or not then due. The 30-day period will begin when the notice is mailed. Unless Lender and Borrower otherwise agree in writing, any application of proceeds to principal shall not extend or postpone the due date of the monthly payments referred to in paragraph 1 or change the amount of the payments. If under paragrap 21 the Property is acquired by Lender, Borrowers right to any insurance policies and proceeds resulting from damage to the Property prior to the acquisition shall pass to Lender to the extent of the sums secured by this Security Instrument immediately prior to the acquisition. 6. Occupancy, Preservation, Maintenance and Protection of the Property; Borrower's Loan Application, Leaseholds. Borrower shall occupy, establish, and use the Property as Borrowers principal residence within sixty days after the execution of this Security Instrument and shall continue to occupy the Property as Borrowers principal residence for at least one year after the date of occupancy, unless Lender otherwise agrees in writing, which consent shall not be unreasonably withheld, or unless extenuating circumstances exist which are beyond Borrowers control. Borrower shall not destroy, damage or impair the Property, allow the Property to deteriorate, or commit waste on the Property. Borrower shall be in default if any forfeiture action or proceeding, whether civil or criminal, is begun that in Lenders good faith judgment could result in forfeiture of the Property or otherwise materially impair the lien created by this Security Instrument or Lenders security N N rn R rn 0 0 i 0 c 0 0 R N rn LO u� R c 0 N ar r c R c ar LL O N a 0 R m Packet Pg. 1770 OR 4704 PG 2734 16.D.13.g interest. Borrower may cure such a default and reinstate, as provided in paragraph 18, by causing the action or proceeding to be dismissed With a ruling that, in Lenders good faith determination, precludes forfeiture of the Borrower's interest in the Property or other material impairment of the lien created by this Security Instrument or Lender's security interest. Borrower shall also be in default if Borrower, during the loan application process, gave materially false or inaccurate information or statements to Lender (or failed to provide Lender with any material information) in connection with the loan evidenced by the Note, including, but not limited to, representations concerning Borrower's occupancy of the Property as a principal residence. If this Security Instrument is on a leasehold, Borrower shall comply with all the provision of the lease. If Borrower acquires fee title to the Property, the leasehold and the fee title shall not merge unless Lender agrees to the merger in writing. 7. Protection of 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 Lender's rights in the Property (such as a proceeding in bankruptcy, probate, for condemnation or forfeiture or to enforce laws or regulations), then Lender may do and pay for whatever is necessary to protect the value of the Property and Lender's rights in the Property. Lender's actions may include paying any sums secured by alien which has priority over this Security Instrument, appearing in court, paying reasonable attorneys' fees and entering on the Property to make repairs. Although Lender may take action under this paragraph 7, Lender does not have to do so. Any amounts disbursed by Lender under this paragraph 7 shall become additional debt of Borrower secured by this Security Instrument. Unless Borrower and Lender agree to other terms of payment, these amounts shall bear interest from the date of disbursement at the Note rate and shall be payable, with interest, upon notice from Lender to Borrower requesting payment. 8. Mortgage Insurance. If Lender required mortgage insurance as a condition of making the loan secured by this Security Instrument, Borrower shall pay the premiums required to maintain the mortgage insurance in effect. If, for any reason, the mortgage insurance coverage required by Lender lapses or ceases to be in effect, Borrower shall pay the premiums required to obtain coverage substantially equivalent to the mortgage insurance previously in effect, at a cost substantially equivalent to the cost to Borrower of the mortgage insurance previously in effect, from an alternate mortgage insurer approved by Lender. If substantially equivalent mortgage insurance coverage is not available, Borrower shall pay to Leander 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 insurano€t Loss�(eserve payments may no longer be required, at the option of Lender, if mortgage insurance coverage (in the amount and for the period,t"t L"der requires) provided by an insurer approved by Lender again becomes available and is obtained. Borrower shall pay the premiums requireto maintain mortgage insurance in effect, or to provide a loss reserve, until the requirement for mortgage insurance ends in accordance Wth,any written agreement between Borrower and Lender or applicable law. 9. Inspection. Lender or its agent, may make reasonable entries upon and inspections of the Property. Lender shall give Borrower notice at the time of or prior to an inspectipr(bpecifying 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 piooeeds�hall 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 p'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 Oount of the sums secured by this Security Instrument immediately before the taking, unless Borrower and Lender otherwise agree in writing, the,suors secured by this Security Instrument shall be reduced by the amount of the proceeds multiplied by the following fraction: (a) the total amour of th� sums secured immediately before the taking, divided by (b) the fair market value of the Property immediately before the taking. Any balance shall be paid to Borrower. In the event of a partial taking of the Property in which the fair market value of the Property immediately before -the taking is less than the amount of the sums secured immediately for the taking, unless Borrower and Lender otherwise agree in writing or pnleo applicable law otherwise provides, the proceeds shall be applied to the sums secured by this Security Instrument whether or not the surns;,are then due. Unless Lender and Borrower otherwise agree in writing, any application of proceeds to principal shall not extend or postpono the doe date of the monthly payments referred to in paragraphs 1 or change the amount of such payments. 11. Borrower Not Released, Forbearance By Lender4NOt9 Waiver. Extension of the time for payment or modification of amortization of the sums secured by this Security Instrument granted by'Let der to any successor in interest of Borrower shall not operate to release the liability of the original Borrower or Borrowers successrrd' in intgrest. Lender shall not be required to commence proceedings against any successor in interest or refuse to extend time for payment g�OthArwise modify amortization of the sums secured by this Security Instrument by reason of any demand made by the original Borrower or Bqmwerssuccessors in interest. Any forbearance by Lender in exercising any right or remedy shall not be a waiver of or preclude the exercis2 of:ady right or remedy. 12. Successors and Assigns Bound; Joint and Several Liability',�o-Signers. The covenants and agreements of this Security Instrument shall bind and benefit the successors and assigns of Lender and Borrower, subject to the Provisions of paragraph 17. Borrower's covenants and agreements shall be joint'andseveral. Any Borrower who co-signs this Security Instrument but does not execute the Note; (a) is co-signing this Security Instrumenronlyto mortgage, grant and convey that Borrowers interest in the Property under the terms of this Security Instrument; (b) is not personally obligated to flay the sums secured by this Security Instrument; and (c) agrees that Lender and any other Borrower may agree to extend, modify, forbeara'make any accommodations with regard to the terms of this Security Instrument or the Note without that Borrower's consent. 13. Loan Charges. If the loan secured by this Security Instrument is subject to a law,which sets maximum loan charges, and that law is finally interpreted so that the interest or other loan charges collected or to be collected in confection 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 redup�s 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 bydefiveiing 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 asProvided in this paragraph. 15. Governing Law; Severability. This Security Instrument shall be governed by federal law and thetaGfof the jurisdiction in which the Property is located. In the event that any provision or clause of this Security Instrument or the Note conflicts with applicable law, such conflict shall not affect other provisions of this Security Instrument or the Note which can be given effect without the conflicting provision. To this end the provisions of this Security Instrument and the Note are declared to be severable. 16. Borrower's Copy. Borrower shall be given one conformed copy of the Note and of this Security Instrument. 17. Transfer of the Property or a Beneficial Interest in Borrower. If all cr any part of the Property or any interest in it is sold or transferred (or if a beneficial interest in Borrower is sold or transferred and Borrower is not a natural person) without Lenders prior written consent, Lender may, at its option, require immediate payment in full of all sums secured by this Security Instrument. However, this option shall not be exercised by Lender if exercise is prohibited by federal law as of the date of this Security Instrument. If Lender exercised this option, Lender shall give Borrower notice of acceleration. The notice shall provide a period of not less than 30 days from the date the notice is delivered or mailed within which Borrower must pay all sums secured by this Security Instrument. If Borrower fails to pay these sums prior to the expiration of this period, Lender may invoke any remedies permitted by this Security Instrument without further notice or demand on Borrower. 18. Borrowers Right to Reinstate. If Borrower meets certain conditions, Borrower shall have the right to have enforcement of this Security Instrument discontinued at any time prior to the earlier of: (a) 5 days (or such other period as applicable law may specify for reinstatement) before sale of the Property pursuant to any power of sale contained in this Security Instrument; or (b) entry of a judgment enforcing this Security Instrument. Those conditions are that Borrower. (a) pays Lender all sums which then would be due under this Security Instrument and the Note as if no acceleration had occurred; (b) cures and default of any other covenants or agreements; (c) pays all expenses incurred in enforcing this Security Instrument, including, but not limited to, reasonable attorneys fees; and (d) takes such action as Lender may reasonably require to assure that the lien of this Security Instrument, Lenders rights in the Property and Borrowers obligation to pay the sums secured by this Security Instrument shall continue unchanged. Upon reinstatement by Borrower, this Security Instrument and the obligations secured hereby shall remain fully effective as if no acceleration had occurred. However, this right to reinstate shall not apply in the case of acceleration under paragraph 17. 19. Sale of Note; Change of Loan Servicer. The Note or a partial interest in the Note (together with this Security Instrument) may be sold one or more times without prior notice to Borrower. A sale may result in a change in the entity (known as the "Loan Servicer') that collects monthly payments due under the Note and this Security Instrument. There also may be one or more changes of the Loan Servicer unrelated to a sale of the Note. If there is a change of the Loan Servicer, Borrower will be given written notice of the change in accordance with paragraph 14 and applicable law. The notice will state the name and address of the new Loan Servicer and the address to which payments should be made. The notice will also contain any other information required by applicable law. N ar rn R rn 0 0 2 0 c 0 N N IL_ 2 N 0 N N to 0 2 aNi 2 c R E 0 U. i O y N V 0 a 3 m c E t v m Q Packet Pg. 1771 *** OR 4704 PG 2735 *** 16.D.13.g 20. Hazardous Substances. Borrower shall not cause or permit the presence, use, disposal, storage, or release of any Hazardous Substances on or in the Property. Borrower shall not do, nor allow anyone else to do, anything affecting the Property that is in violation of any Environmental Law. The preceding two sentences shall not apply to the presence, use, or storage on the Property of small quantities of Hazardous Substances that are generally recognized to be appropriate to normal residential uses and to maintenance of the Property. Borrower shall promptly give Lender written notice for any investigation, claim, demand, lawsuit or other action by any governmental or regulatory agency or private party involving the Property and any Hazardous Substance or Environmental Law of which Borrower has actual knowledge. If Borrower learns, or is notified by any governmental or regulatory authority, that any removal or other remediation of any Hazardous Substance affecting the Property is necessary, Borrower shall promptly take all necessary remedial actions in accordance with Environmental Law. As used in this paragraph 20, "Hazardous Substances" are those substances defined as toxic or hazardous substances by Environmental Law and the following substances: gasoline, kerosene, other flammable or toxic petroleum products, toxic pesticides and herbicides, volatile solvents, materials containing asbestos or formaldehyde, and radioactive materials. As used in this paragraph 20, "Environmental 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 date, not less than 30 days from the date the notice is giver to Borrower, by which the default must be cured; and (d) that failure to cure the default on or before the date specified in the notice may result in acceleration of the sums secured by this Security Instrument, foreclosure by judicial proceeding and sale of the Property. The notice shall further inform Borrower of the right to reinstate after acceleration and the right to assert in the foreclosure proceeding the nonexistence 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 Instrumerli by judicial proceeding. Lender shall be entitled to collect all expenses incurred in pursuing the remedies m provided in this paragraph 2'( inrclyding, but not limited to, reasonable attorney's fees and costs of the title evidence. rn 22. Release. Upon -pagmeat pf all sums secured by this Security Instrument, Lender shall release this Security Instrument, without charge, to Borrower. Borrower shalf'pay ny recordation costs. t 23. Attorneys' Fees. As use in this Security Instrument and the Note, "attorneys' fees" shall include any attomeys' fees awarded b 0 an appellate court. 24. Riders to this Security Instrvrilent. If one or more riders are executed by Borrower and recorded together with this Security c Instrument, the covenants and agreements o(each such rider shall be incorporated into and shall amend and supplement the covenants and c agreements of this Security Instrument as if the rider(s) were a part of this Security Instrument. (Check Applicable Box) — ❑ Adjustable Rate Rider ❑ kate'Improvement Rider ❑ Condominium Rider w ❑ Graduated Payment Rider ❑ 1-4 ('family Rider ❑ second Home Rider 10 (n ❑ Balloon Rider ❑ Biweekly fayme`nt Rider ❑ Planned Unit Development Rider a ❑ Other(s) (specify LO SIGNING BELOW, Borrower accepts and agrees to the t6tmr and covenants contained in this Security Instrument and in any rider(s) executec c by Borrower and recorded with it. Signed, sealed and delivered in the presence of: c � e r�� -5'gnatu Witness#1: IJ(�{-eSc'e: _it.� � � 8o-"OrGuillermo Vernandez Molina N Signature: t r a C � R Witness#2: �Gli �<{nlG Signature: �r n�R n� La.y + F Co-Bor(wlar CaFidad Blanco Sotoi`35 Signature: O Address: 18Q2 41e° Terrace sw � ,temples, Florida 34116 v O 0 STATE OF FLORIDAC COUNTY OF COLLIER R I hereby certify that on this day, before me, an officer duly authorized in the state aforesaid and in the county aforesaid to take 00 Sod OMhxrt acknowledgements, personally appeared Guillermo Fernandez Molina and Carida(d Blaanco to me known to be the E person(s) described in and who executed the foregoing instrument and acknowledged before me that (Het she ppy) executed the same for thn m purpose therein expressed. f WITNESS my hand and official seal in the County and State aforesaid this _LfL day of 2011. My Commission Expires: dk 15 l r S ( P Notary Public's Signature (Seal) n',� 1 CG,& MICHEIIE AL ESTES ,.� • 4n Notary's Printed Name Commission #EE83499 ' My Commission Expires Februar 15,2D15 Signer's identity verified in the following manner: roduced Identification -or- [] Personally Known t-OVivers License SHIP File#: 09-390 . <4—A e % Prepared by: Collier County Housing, Human & Veterans Department 3339 E. Tamiami Trail, Bldg H, Suite 211 Naples, FL 34112 Packet Pg. 1772 16.D.13.g BardalesKarina From: Julie Rosa <Jr@omeganationaltitle.com> Sent: Tuesday, October 19, 2021 11:48 AM To: CarrLisa Subject: 1842 41 ST Terrace SW Attachments: MX-5070N_20211019_114442.pdf EXTERNAL EMAIL: This email is from an external source. Confirm this is a trusted sender and use extreme caution when opening attachments or clicking links. Hi dear, Hope all is well with you and your family. Here is a new request for you 0 r f� r } Sincerely, Julie Rosa Real Estate Title Processor Omega National Title, LLC 4075 Pine Ridge Rd Suite 12 Naples ,FL 34119 239-566-8908 (0) 239-244-8302 (F) 239-244-8302 (EFax) www.omeganationaltitle.com PLEASE NOTE OUR OFFICE HAS MOVED TO OUR NEW SATELLITE LOCATED AT 4075 PINE RIDGE RD #15 NAPLES, FL 34119. DUE TO THE OVERWHELMING AMOUNT OF FRAUDULENT CASHIER'S CHECKS CIRCULATING IN FLORIDA, WE WILL REQUIRE ALL FUNDS TO CLOSE TO BE TENDERED IN THE FORM OF A WIRE TRANSFER. i Packet Pg. 1773 16.D.13.g NOTICE: The information contained in this message is proprietary and/or confidential and may be privileged. If you are not the intended recipient of this communication, you are hereby notified to: (i) delete the message and all copies; (ii) do not disclose, distribute or use the message in any manner; and (iii) notify the sender immediately. Packet Pg. 1774 16.D.13.g Omega National Title Agency, LLC 4075 Pine Ridge Road, Suite 12 Naples, Florida 34119 Phone: 239-566-8908 Fax: 239-244-8302 October 19, 2021 Pay Off Department Re: Our File Number: 21-0856E Mortgagor: FIFTH THIRD / SHIP PAYOFF Property Address: 1842 41 st Terrace SW Naples, FL 34116 Loan Number: 412140055 / SHIP PAYOFF Dear Gentlemen: Please be advised we have been instructed to close title on the above captioned transaction and we require a written pay off letter from you for same. We expect to close on or before October 29, 2021 and your mortgage will be satisfied at that time. Please provide the payoff amount good through the expected closing date as well as a per diem amount. Please FAX the information to our office. Our fax number 239-244-8302. Thank you in advance for your cooperation. Please reference our file number in all correspondence. Sincerely, Julie Rosa I Guil=ermoFandez lina authorize the above request. Pay Off Request Letter Packet Pg. 1775 (sa6e6}aow 10 uoROeISIIES dIHS : OSSOZ) e1oaeo-WOS sooa dnMoe8 :juewLjoejjV x Li = LU c LLI� ;. z LU J r Lij LLI . U Z W ...LLI EL E O �»+ .. .. S y CV cq I-- 6u Q 04 JL" a L jj B m y2 ❑ - :s Q t p i m p P L U ^� v] a. bolLa C.7 16.D.13.h October 25, 2021 Tonya Beadle, Closing Agent Lindsay Allen, PC 13180 Livingston Rd., Suite 206 Naples, FL 34109 Re: Payoff Letter- Eddy Garcia and Enerilys Herrera De Garcia 2780 61" Aveime SE Naples, FL 34117 - File #11-081 Mortgage Type Date Recorded GR BoolrlPage Amount Collier County SHIP Second Mortgage Payoff 01/25/2013 4880/1097 $20,000.00 Total Amount Due $20,000.00 No payment will be required until the property is sold, transferred, refinanced, no longer Homesteaded, or is no longer the primary residence of the homebuyer. At that time the balance of the loan is due and payable. No per diem amount required. Please include with payoff an additional $10.00 for the recording fee. Please pay with credit card at: htt s: ma ic.collectorsolutions.com ma is-ui onetime a ment cchs Or Payment should be made to "Collier County Board of County_ Commissioners" and delivered to: Community & Human Services Division Attn: SHIP Payoff 3339 B. Tanriami Trail, Suite 211 Naples, FL 34112 Sincerely, Lisa N. Caix•''s' SOW Grants Cooi•diiiator Community and Human Services Makin ., Our Community Stronger; One life, One Home, One Project a Time lisa.car1.1colliercounM(..- ov (New Email Address) Conimunity & Human Services Division - 3339 Tamiami Trail East, Suite 211 - Maples, Florida 34112-5361 239-252-CARE (2273) - 239-252-CAF1 (2233) - 239-252-4230 (RSVP) * w w.colliergov.neUhumanservices Packet Pg. 1777 INSTR 4792400 OR 4880 PG 1097 RECORDED 1/30/2013 9:36 AM PAGES 5 DWIGHT E. BROCK, CLERK OF THE CIRCUIT COURT, COLLIER COUNTY FLORIDA 16.D.13.h DOC@.35 $70.00 REC $44.00 OBLD $20,000.00 STATE HOUSING INITIATIVES PARTNERSHIP (SHIP) PROGRAM SECOND MORTGAGE THIS SECOND MORTGAGE ("Security Instrument") is given on �ro day of iQftue `1 a013 , 2042. The Second Mortgagor is: Eddy Garcia and Enerilys Herrera De Garcia, a mllarried couple ("Borrower'). This Security Instrument is given to Collier County SHIP TRUST FUND ("Lender"), which is organized and existing under the laws of the United States of America, and whose address is 3339 E. Tamiami Trail, Naples, Florida 34112. Borrower owes Lender the sum of Twenty Thousand and 00/100 Dollars ($20 , 000. 00) . This debt is evidenced by Borrowers Note dated the same date as this Security Instrument ("Second Mortgage"), which does not provide for monthly payments. The full debt, if not paid earlier, is due upon sale of the property within the fifteen year term. If sold after the fifteen year tens, no repayment is required. As long as the borrower continues to own and occupy the assisted property during the term of the mortgage, then the loan will not have to be repaid. This Security Instrument securest Lender. (a) the repayment of the debt evidenced by the Note, with interest, and all renewals, extensions and modifications; (b) the payrr�enrof all other sums, with interest advanced under paragraph 7 to protect the security of the Security the Note. For this Instrument; and (c) the perforhtianee of Borrowers covenants and agreements under this Security Instrument and purpose, Borrower does hereby second mortgage, grant and convey to Lender the following described property located in Collier County, Florida. w As more particularly described as Goldiin ate Est Unit 81 E 106FT of TR 47, of the Public Records of Collier County, Florida and which has the address of: CD yf f ("Property Address"): 2780 6`" Av"E Naples FL 34117 o 2 (Address) (City) (State) (zip) p 1 ? TOGETHER WITH all the improvements,now or hereafter erected on the property, and all easements, rights, appurtenances, rents, c e royalties, mineral, oil and gas rights and profits, water rights and stock and all fixtures now or hereafter a part of the property. All replacements and additions shall also be covered by the Security Ins rument. All of the foregoing is referred to in this Security Instrument as the "Property". to y BORROWER COVENANTS that Borrower is, lawfy9y seized of the estate hereby conveyed and has the right mortgage, grant and convey the Property and that the Property is unencumbered, except for encumbrances of record. Borrower warrants and will defend generally 0) the title to the Property against all claims and demander su*ect to any encumbrances of record. 0. THIS SECURITY INSTRUMENT combines uniform covenants for national use and non -uniform covenants with limited variation by x jurisdiction to constitute a uniform security instrument cover(6g reafproperty. rn UNIFORM COVENANTS. Borrower and Lender coverlantand agree as follows: e 1. Payment of Principal and Interest; Prepayment anp Late Charges. Borrower shall promptly pay when due the principal of and LO interest on the debt evidenced by the Note. 1 N 2. Taxes. The Mortgagor will pay all taxes, assessments, S ver1ents or water rates prior to the accrual of any penalties or interest z- thereon. The Mortgagor shall pay or cause to be paid, as the same respectively`become due, (A)(1) all taxes and governmental charges of any m kind whatsoever which may at any time be lawfully assessed or levied aq#Mst, jt rWith respect to the Property, (2) all utility and other charges, including "service charges", incurred or imposed for the operation, maintenance, use, occupancy, upkeep and improvement of the Property, and (3) all assessments or other governmental charges that may lawfully be paid iryinstatlments over a period of years, the Mortgagor shall be obligated under the Mortgage to pay or cause to be paid only such installments as;are required to be paid during the term of the Mortgage, and y shall, promptly after the payment of any of the foregoing, forward to Mortgagee eviderite of such payment. ur Vp 3. Application of Payments. Unless applicable law provides otherwise; aiments received by Lender shall be applied; first, to interest due; and, to principal due; and last, to any late charges due under the Note, . I 4. Charges; Liens. Borrower shall pay all taxes, assessments, charges, fines and impositions attributable to the Property which may e c attain priority over this Security Instrument, and leasehold payments or ground rents, if any., Borrower shall promptly furnish to Lender all 9 notices of amounts to be paid under this paragraph, and all receipts evidencing the payments:." XI shall promptly discharge any lien which has priority over this Security Instrument unless Borrower. (a) agrees in writing to the payment of the obligation secured by the lien in a manner acceptable to Lender; (b) contest-viil good,faith the lien by, or defends against enforcement of the lien in, legal proceedings which in the Lenders opinion operate to prevent the enforcEirnent of the lien; or (c) secures from 0)) E the holder of the lien an agreement satisfactory to Lender subordinating the lien to this Security Fnstru n I. Lender determines that any part of the Property is subject to a lien which may attain priority over the Security Instrument, Lender maggtve,13onower a notice identifying the lien. Borrower shall satisfy the lien or take one or more of the actions set forth above within 10 days of the giving o notice. 5. Hazard or Property Insurance. Borrower shall keep the improvements now existing or hereafter erected on the Property insured Q 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 requ#es: Tffe insurance carrier providing the insurance shall be chosen by Borrower subject to Lenders approval which shall not be unreasonably withheld. If Borrower fails to maintain coverage described above, Lender may, at Lenders option, obtain coverage to protect Lenders rights in the Property in accordance with paragraph 7. At all times that the Note is outstanding, the Mortgagor shall maintain insurance with respect to the Premises against such risks and for such amounts as are customarily insured against and pay, as the same become due and payable, all premiums in respect thereto, including, but not limited to , all-risk insurance protecting the interests of the Mortgagor and Mortgagee against loss or damage to the Premises by fire, lightning, and other casualties customarily insured against (including boiler explosion, if appropriate), with a uniform standard extended coverage endorsement, including debris removal coverage. Such insurance at all times to be in an amount not less than the full replacement cost of the Premises, exclusive of footings and foundations. All insurance policies and renewals shall be acceptable to Lender and shall include a standard mortgage clause. Lender shall have the right to hold the policies and renewals. If Lender requires, Borrower shall promptly give to Lender all receipts of paid premiums and renewal notices. In the event of loss, Borrower shall give prompt notice to the insurance carrier and Lender. Lender may make proof of loss if not made promptly by Borrower. Unless Lender and Borrower otherwise agree in writing, insurance proceeds shall be applied to restoration or repair of the Property damaged, if the restoration or repair is economically feasible and Lenders security is not lessened. If the restoration or repair is not economically feasible or Lenders security would be lessened, the insurance proceeds shall be applied to the sums secured by the Security Instrument, whether or not then due, with any excess paid to Borrower. If Borrower abandons the Property, or does not answer within 30 days a notice from Lender that the insurance carrier has offered to settle a claim, then Lender may collect the insurance proceeds. Lender may use the proceeds to repair or restore the Property or to pay sums secured by this Security Instrument, whether or not then due. The 30-day period will begin when the notice is mailed. Unless Lender and Borrower otherwise agree in writing, any application of proceeds to principal shall not extend or postpone the due date of the monthly payments referred to in paragraph 1 or change the amount of the payments. If under paragraph 21 the Property is acquired by Lender, Borrowers right to any insurance policies and proceeds resulting from damage to the Property prior to the acquisition shall pass to Lender to the extent of the sums secured by this Security Instrument immediately prior to the acquisition. 6. Occupancy, Preservation, Maintenance and Protection of the Property; Borrower's Loan Application, Leaseholds. Borrower shall occupy, establish, and use the Property as Borrowers principal residence within sixty days after the execution of this Security Instrument and shall continue to occupy the Property as Borrowers principal residence for at least one year after the date of occupancy, unless Lender otherwise agrees in writing, which consent shall not be unreasonably withheld, or unless extenuating circumstances exist which are beyond Borrowers control. Borrower shall not destroy, damage or impair the Property, allow the Property to deteriorate, or commit waste on the Property. Borrower shall be in default if any forfeiture action or proceeding, whether civil or criminal, is begun that in Lenders good faith 667 N Packet Pg. 1778 OR 4880 PG 1098 16.D.13.h judgment could result in forfeiture of the Property or otherwise materially impair the lien created by this Security Instrument or Lender's security interest. Borrower may cure such a default and reinstate, as provided in paragraph 18, by causing the action or proceeding to be dismissed with a ruling that, in Lender's good faith determination, precludes forfeiture of the Borrower's interest in the Property or other material impairment of the lien created by this Security Instrument or Lenders security interest. Borrower shall also be in default if Borrower, during the loan application process, gave materially false or inaccurate information or statements to Lender (or failed to provide Lender with any material information) in connection with the loan evidenced by the Note, including, but not limited to, representations concerning Borrowers occupancy of the Property as a principal residence. If this Security Instrument is on a leasehold, Borrower shall comply with all the provision of the lease. If Borrower acquires fee title to the Property, the leasehold and the fee title shall not merge unless Lender agrees to the merger in writing. 7. Protection of 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 the Property to make repairs. Although Lender may take action under this paragraph 7, Lender does not have to do so. Any amounts disbursed by Lender under this paragraph 7 shall become additional debt of Borrower secured by this Security Instrument. Unless Borrower and Lender agree to other terms of payment, these amounts shall bear interest from the date of disbursement at the Note rate and shall be payable, with interest, upon notice from Lender to Borrower requesting payment. S. 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 insurant� previously in effect, at a cost substantially equivalent to the cost to Borrower of the mortgage insurance previously in effect, from an,altema4e mortgage insurer approved by Lender. If substantially equivalent mortgage insurance coverage is not available, Borrower shall payietender 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. L6 , re ,ery payments may no longer be required, at the option of Lender, if mortgage insurance coverage (in the amount and for the period that Lender ires) provided by an insurer approved by Lender again becomes available and is obtained. Borrower shall pay the premiums req tq'rtiaintain mortgage insurance in effect, or to provide a loss reserve, until the requirement for mortgage insurance ends in accordance,Wt�Ant ,written agreement between Borrower and Lender or applicable law. 9. Inspection. Lender or its agefit may make reasonable entries upon and inspections of the Property. Lender shall give Borrower notice at the time of or prior to an inspection specifying reasonable cause for the inspection. 10. Condemnation. The proceeds of any and or claim for damages, direct or consequential, in connection with any condemnation or other taking of any part of the Property, or for coance 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 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 amo, groof thejsums secured by this Security Instrument immediately before the taking, unless Borrower and Lender otherwise agree in writing, the`surnq seCurgd by this Security Instrument shall be reduced by the amount of the proceeds multiplied by the following fraction: (a) the total amount-eitbe sums secured immediately before the taking, divided by (b) the fair market value of the Property immediately before the taking. Any balanceithal11144 QQQsid to Borrower. In the event of a partial taking of the Property in which the fair market value of the Property immediately before the takil`ig is'tgss than the amount of the sums secured immediately for the taking, unless Borrower and Lender otherwise agree in writing or urAss a�pli ble law otherwise provides, the proceeds shall be applied to the sums secured by this Security Instrument whether or not the sums a7th n re Unless Lender and Borrower otherwise agree in writing, any application of proceeds to principal shall not extend or postpone 111k, duo;d.bte of the monthly payments referred to in paragraphs 1 or change the amount of such payments. 11. Borrower Not Released, Forbearance By Lender Not Wal r. Extension of the time for payment or modification of amortization of the sums secured by this Security Instrument granted by er' edany successor in interest of Borrower shall not operate to release the liability of the original Borrower or Borrowers successors i` , rite a nder shall not be required to commence proceedings against any successor in interest or refuse to extend time for payment or he ise odify amortization of the sums secured by this Security Instrument by reason of any demand made by the original Borrower or Borrower uccessors in interest. Any forbearance by Lender in exercising any right or remedy shall not be a waiver of or preclude the exert ofany right or remedy. 12. Successors and Assigns Bound; Joint and Several Liability'C(-Signe'rg. The covenants and agreements of this Security Instrument shall bind and benefit the successors and assigns of Lender and Boftwer, Subject to the Provisions of paragraph 17. Borrower's covenants and agreements shall be jointed vera , Any Borrower who co-signs this Security Instrument but does not execute the Note; (a) is co-signing this Security Instrument Qn1y to ortgage, grant and convey that Borrowers interest in the Property under the terms of this Security Instrument; (b) is not personally obliga o pay the sums secured by this Security Instrument; and (c) agrees that Lender and any other Borrower may agree to extend, modify, forbear or-tn spy accommodations with regard to the terms of this Security Instrument or the Note without that Borrowers consent. 13. Loan Charges. If the loan secured by this Security Instrument is subject to a:)aw 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. Lendie aychoose to make this refund by reducing the principal owed under the Note or by making a direct payment to Borrower. If a refund redype� p ncipal, 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 deliverrg it or by mailing it by first class mail unless applicable law required use of another method. The notice shall be directed to the Properly Ad s or any other address Borrower designates by notice to Lender. Any notice to Lender shall be given to Borrower or Lender where en as provided in this paragraph. 16. Governing Law; Severability. This Security Instrument shall be governed by federal law and the law of the jurisdiction in which the Property is located. In the event that any provision or clause of this Security Instrument or the Note conflicts with applicable law, such conflict shall not affect other provisions of this Security Instrument or the Note which can be given effect without the conflicting provision. To this end the provisions of this Security Instrument and the Note are declared to be severable. 16. Borrowers Copy. Borrower shall be given one conformed copy of the Note and of this Security Instrument. 17. Transfer of the Property or a Beneficial Interest in Borrower. If all or any part of the Property or any interest in it is sold or transferred (or if a beneficial interest in Borrower is sold or transferred and Borrower is not a natural person) without Lenders prior written consent, Lender may, at its option, require immediate payment in full of all sums secured by this Security Instrument. However, this option shall not be exercised by Lender if exercise is prohibited by federal law as of the date of this Security Instrument. If Lender exercised this option, Lender shall give Borrower notice of acceleration. The notice shall provide a period of not less than 30 days from the date the notice is delivered or mailed within which Borrower must pay all sums secured by this Security Instrument. If Borrower fails to pay these sums prior to the expiration of this period, Lender may invoke any remedies permitted by this Security Instrument without further notice or demand on Borrower. 18. Borrowers Right to Reinstate. If Borrower meets certain conditions, Borrower shall have the right to have enforcement of this Security Instrument discontinued at any time prior to the earlier of: (a) 5 days (or such other period as applicable law may specify for reinstatement) before sale of the Property pursuant to any power of sale contained in this Security Instrument; or (b) entry of a judgment enforcing this Security Instrument. Those conditions are that Borrower. (a) pays Lender all sums which then would be due under this Security Instrument and the Note as if no acceleration had occurred; (b) cures and default of any other covenants or agreements; (c) pays all expenses incurred in enforcing this Security Instrument, including, but not limited to, reasonable attorney's fees; and (d) takes such action as Lender may reasonably require to assure that the lien of this Security Instrument, Lenders rights in the Property and Borrowers obligation to pay the sums secured by this Security Instrument shall continue unchanged. Upon reinstatement by Borrower, this Security Instrument and the obligations secured hereby shall remain fully effective as if no acceleration had occurred. However, this right to reinstate shall not apply in the case of acceleration under paragraph 17. 19. Sale of Note; Change of Loan Servicer. The Note or a partial interest in the Note (together with this Security Instrument) may be sold one or more times without prior notice to Borrower. A sale may result in a change in the entity (known as the "Loan Servicer') that collects monthly payments due under the Note and this Security Instrument. There also may be one or more changes of the Loan Servicer unrelated 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 N d rn 0 0 0 c 0 w L .0 a_ 2 to N N 0 m i C7 O to w 0 0 G a Y ra m c d s ITS 4 e,657 el ' Packet Pg. 1779 OR 4880 PG 1099 16.D.13.h paragraph 14 and applicable law. The notice will state the name and address of the new Loan Servicer and the address to which payments should be made. The notice will also contain any other information required by applicable law. 20. Hazardous Substances. Borrower shall not cause or permit the presence, use, disposal, storage, or release of any Hazardous Substances on or in the Property. Borrower shall not do, nor allow anyone else to do, anything affecting the Property that is in violation of any Environmental Law. The preceding two sentences shall not apply to the presence, use, or storage on the Property of small quantities of Hazardous Substances that are generally recognized to be appropriate to normal residential uses and to maintenance of the Property. Borrower shall promptly give Lender written notice for any investigation, claim, demand, lawsuit or other action by any governmental or regulatory agency or private party involving the Property and any Hazardous Substance or Environmental Law of which Borrower has actual knowledge. If Borrower learns, or is notified by any governmental or regulatory authority, that any removal or other remediation of any Hazardous Substance affecting the Property is necessary, Borrower shall promptly take all necessary remedial actions in accordance with Environmental Law. As used in this paragraph 20, "Hazardous Substances" are those substances defined as toxic or hazardous substances by Environmental Law and the following substances: gasoline, kerosene, other flammable or toxic petroleum products, toxic pesticides and herbicides, volatile solvents, materials containing asbestos or formaldehyde, and radioactive materials. As used in this paragraph 20, "Environmental Law' means federal laws and laws of the jurisdiction where the Property is located that relate to health, safety or environmental protection. 21. Acceleration; Remedies. Lender shall give notice to Borrower prior to acceleration following Borower's breach of any covenant or agreement in this Security Instrument (but not prior to acceleration under paragraph 17 unless applicable law provides otherwise). The notice shall specify: (a) the default; (b) the action required to cure the default; (c) a date, not less than 30 days from the date the notice is given to Borrower, by which the default must be cured; and (d) that failure to cure the default on or before the date specified in the notice may result in acceleration of the sums secured, by this Security Instrument, foreclosure by judicial proceeding and sale of the Property. The notice shall further inform Borrower of the rightAo reinstate after acceleration and the right to assert in the foreclosure proceeding the non-existence of a default or any other defense ofBdiro r 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' mediate payment in full of all sums secured by this Security Instrument without further demand and may foreclose this Security Instrum' t btjodicial proceeding. Lender shall be entitled to collect all expenses incurred in pursuing the remedies provided in this paragraph 21, including, b t not limited to, reasonable attorney's fees and costs of the title evidence. 22. Release. Upon paymegLarf all sums secured by this Security Instrument, Lender shall release this Security Instrument, without charge, to Borrower. Borrower shall payanyeecprdation costs. 23. Attorneys' Fees. As used in this Security Instrument and the Note, "attorneys' fees" shall include any attomeys' fees awarded by an appellate court. 24. Riders to this Security Instrument. IGone or more riders are executed by Borrower and recorded together with this Security Instrument, the covenants and agreements ofeaeh�uch rider shall be incorporated into and shall amend and supplement the covenants and agreements of this Security Instrument as if the,rider(s) were a part of this Security Instrument. (Check Applicable Box) ❑ Adjustable Rate Rider ❑ Rate Impm o}�emenf<Rider ❑Condominium Rider 1 ❑ Graduated Payment Rider ❑ 1-4 Family Rider ❑ Second Home Rider ❑ Balloon Rider ❑ Biweekly Payment R der, ❑ Planned Unit Development Rider ❑ Other(s) (specify SIGNING BELOW, Borrower accepts and agrees to the terms an covenants contained in this Security Instrument and in any rider(s) executed by Borrower and recorded with it. Signed, sealed a n the presence of: l Witness#1i Signature: Frances S. Legd n Witness#2: f ct /� Signature STATE OF FLORIDA COUNTY OF COLLIER Signature.. i Co- Borrower *E11illys Herrera De Garcia Address: i7$0.61" Ave SE t4pl�' FL 3411.7 .r I hereby certify that on this day, Eddy Garcia and Enerilys Herrera De Garcia before me, an officer duly authorized in the state aforesaid and in the county aforesaid to take acknowledgements, personally appeared 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 aforesai this day of u 2012. My Commission Expires: Notary Public's Signature (Seal) ��a °�ok Notary Putlr- Stzte o! Florida Frances S. Legdan ?E" Notary's Printed Name " Frances S LegCan ry� �.a, o My Co—ss,nnEE154454 �do'.=pc Expires 01118/2016 SHIP File#: 11-081 SHIP Purchase Assistance Program Collier County Housing, Human R Veterans Department 3339 E. Tamiami Trail, Bldg H, Suite 211, Naples, FL 34112 ql m rn m 0 0 i 0 c 0 .0 w Mn y a_ x N 1N In N a m c 0 E 5 M Q Revised: 10/2012 Packet Pg. 1780 OR 4880 PG 1100 16.D.13.h STATE HOUSING INITIATIVES PARTNERSHIP (SHIP) PROGRAM PROMISSORY NOTE Date: January 15, 2013 Borrower: Eddy Garcia and Enerilys Herrera De Garcia, a married couple 2780 6' Ave SE Naples FL 34117 (Property Address) (City) (State) (zip) 1. BORROWER'S) PROMISE TO PAY: I/We promise to pay Twenty Thousand and 00/100 Dollars ($20,000.00) (this amount will be called "principal") to the order of Collier County is SHIP TRUST FUND or to any other holder of this Note (the "Lender"), whose address 3339 E. Tamiami Trail, Naples, Florida 34112. I/We understand that the Lender may Note by transfer and transfer the Promissory Note. The Lender or anyone who takes this be the "Note Holder". who is entitled t receive payments under this Note will called 2. INTEREST: Intel on this Note shall be zero percent (0}) per annum; except that if be twelve percent (12$) I/We fail to p .Note as required, the interest rate shall w this Note is due until I/We pay it in full. per annum from th dt, when payment of m 3. PAYMENTS: Payment in f t is due upon sale of property within the fifteen year deferred required. As long as p payment loan. If sol of er the fifteen year term, no repayment is the assisted property during the term of the the borrower continues to own and occupy mortgage, then the loa -,w —7 of have to be repaid. My/Our total payment shall be U.S. 0 r;.` $20,000.00. G 4. BORROWER'S RIGHT TO PREPA,Me have the right to make payments of principal at any known a "prepayment". When y time before they are due. A yhAnt of principal only is as Holder in writing that I/we am doing so. I/We make a prepayment, I/we 44e l the Note I/We may make a full prepayment , r tial prepayment charge. The Note Holder will use �amopnt to reduce . of the principal that I owe under this Note. to all of my prepayments of trier will be no changes in the due date or in the .. If I/We make a partial prepayme amount of my monthly payment unles"s 1VQte Holder agrees in writing to those changes. o If I/We make a partial prepayment here ill be no prepayment penalty adhering to or N associated with such prepayment t LOAN CHARGES: If a law, which applies 'f,�`loan and which sets maximum loan charges, is finally interpreted so that the intermit other loan charges collected or to be R exce a permitted limits; then (i) any such 0 collected in connection with this loan loan charges shall be reduced by the amoU ne'•essary to reduce the charges to the permitted limit; and (ii) any sums already ced from me which exceeded permitted y limits will be refunded to me/us. The Note Hol4�r, may choose to make this refund by y reducing the principal that I/We owe under thi,8�„e. or by making a direct payment to 0 me/us. If a refund reduces principal, the retly�t'' n will be treated as a partial pa prepayment. 3 Y SUBORDINATION: Lender and Borrower acknowledge and ' e ;that this Security Instrument 0 is subject and subordinate in all respects to the lien , covenants and conditions m of the First Deed of Trust and to all advances hereto fz c7 or which may hereafter be made pursuant to the First Deed of Trust including all s ms'- vanced for the purpose of E (a) protecting or further securing the lien of the First ve, d,� Trust, curing default: L by the Borrower under the First Deed of Trust or for anir; ther purpose expressly 0 permitted by the First Deed of Trust or (b) construct' ,. , enovating, repairing, � furnishing, fixturing or equipping the Property. The terms an ;, ovisions of the First Q Deed of Trust are paramount and controlling, and they supersede y other terms an( provisions hereof in conflict therewith. In the event of a fig "closure or deed in lies of foreclosure of the First Deed of Trust, any provisions herein or any provisions in an, other collateral agreement restricting the use of the Property to low or moderate income households or otherwise restricting the Borrower's ability to sell the Property shal: have no further force or effect on subsequent owners or purchasers of the Property. An, person, including his successors or assigns (other than the Borrower or a related entit: of the Borrower), receiving title to the Property through a foreclosure or deed in lie' of foreclosure of the First Deed of Trust shall receive title to the Property free an clear from such restrictions. Further, if the Senior Lien Holder acquires title to the Property pursuant to a deed i lieu of foreclosure, the lien of this Security Instrument shall automatically terminat upon the Senior Lien Holder's acquisition of title, provided that (i) the Lender has bee given written notice of a default under the First Deed of Trust and (ii) the Lender shal not have cured the default under the First Deed of Trust within the 30-day perie provided in such notice sent to the Lender. BORROWER(S) FAILURE TO PAY AS REQUESTED: (A) Default If I/we do not pay the full amount as required in Section 3 above, I/we will be i default. If I am in default, the Note Holder may bring about any actions not prohibit( by applicable law and require me/us to pay the Note Holder's cost and expenses i described in (B) below. (B) Payment of Note Holder's Cost and Expenses 1 Packet Pg. 1781 *** OR 4880 PG 1101 *** 16.D.13.h If the Note Holder takes such actions'as described above, the Note Holder will have the right to be paid back for all of its costs and expenses, including, but not limited to, reasonable attorneys' fees. 8. GIVING OF NOTICES: Unless applicable law required a different method, any notice that must be given to me/us under the Note will be given by delivering it or by mailing it by first class mail to me at the Property Address on Page 1 or at a different address if I/we give the Note Holder a notice of my/our different address. Any notice that must be given to the Note Holder under this Note will be given by mailing it by first class mail to the Note Holder at the address stated in Section 3(A) or at a different address if I/we have been given a notice of that different address. 9. OBLIGATIONS OF PERSONS UNDER THIS NOTE: If more than one person signs this Note, each person is fully and personally obligated to keep all of the promises made in this Note, including the promise to pay the full amount owed. Any person who is a guarantor, surety or endorser of this Note is also obligated to do these things. Any person who takes over these obligations, including the obligations of a guarantor, surety or endorser of this Note, is also obligated to keep all of the promises made in this Note. The Note Holder may enforce its rights under this Note against each person individually or against all of us together. Th s means that any one of us may be required to pay all of the amounts owed under t hiff o e. 10. WAIVERS: I a ar;- ther person who has obligations under this Note waive the rights of presentment and; otzc of dishonor. "Presentment" means the right to require the Note y Holder to deman 'S? of amounts due. "Notice of Dishonor" means the right to require tM the Note Holder t_.._"isreotice to other persons that amounts due have not been paid. 0 11. UNIFORM SECURED NOTE This Note is a uniform instrument with limited variations in some 2 jurisdictions. In addtacrn"' o the protection given to the Note Holder under this Note, a c Mortgage, Deed of Trust P curity Deed (the "Security Instrument"), dated the same date a as this Note, protects the ote Holder from possible losses which might result if I/we do . um not keep the promises wt" h I/w make in this Note. That Security Instrument describes za how and under what conditiofl / e may be required to make immediate payment in full of y all amounts I/we owe under tH s te. Some of those conditions are described as follows: y Transfer of the Property or a PeTA,.e 'al Interest in Borrower. If all or any part of the a property or any interest in lt, s%so1,4 or transferred (or if a beneficial interest in 2 without Lender's W Borrower is sold or transferred rid g }d rower is not a natural person) prior written consent, Lender mag ; at : option, require immediate payment in full or o not be N all sums secured by this Securiti! r;s ent. However, this option shall exercised by Lender if exercise i by federal law as of the date of this V Zgroted Security Instrument. za t .v Lender;rgiive Borrower notice of acceleration. The If Lender exercises this option, za notice shall provide a period of not les tin", irty (30) days from the date the notice a is delivered or mailed, within which Borror�er stf pay all sums secured by this Securit} g Instrument. If Borrowers) fail to pay a ��zzns prior to the expiration of thi: O period, Lender may invoke any remedies perYtt✓,y this Security Instrument without y further notice or demand on Borrower. lr u 0 Notwithstanding the above, the Lender's rights collect and apply the insurancz CL proceeds hereunder shall be subject and subordinate,;,tn,,the rights of the Senior Liez Y Holder to collect and apply such proceeds in accordant the First Deed of Trust. 12. This note is governed and construed in accordance wit1Y#e La s of the State of Florida. t d1 E WITNESS THE HAND(S) AND SEAL A) OF THE UNDERSIGNED. (Seal) Borrower Enerilys Herrera De Garcia RETURN TO: Collier County Housing, Human and Veteran Services Department SHIP PURCHASE ASSISTANCE PROGRAM 3339 E. Tamiami Trail, Building H, Suite 211 Naples, Florida 34112 SHIP File#: 11-081 Revised 10/2012 Packet Pg.1782 16.D.13.h BardalesKarina From: Tonya Beadle <tonya@naples.law> Sent: Monday, October 25, 2021 2:02 PM To: CarrLisa Cc: Karrie Walling Subject: Fwd: Ship Mortgage Payoff Request Attachments: Ship Mortgage.pdf EXTERNAL EMAIL: This email is from an external source. Confirm this is a trusted sender and use extreme caution when opening attachments or clicking links. Good afternoon, Our client, Eddy Garcia, is selling 2780 6th Ave SE, Naples, FL 34117. This property has a Second Mortgage - Collier County Ship Trust Fund. We are requesting a payoff for this loan. Attached is the recorded mortgage. Should you have any questions, please do not hesitate to reach out. Please either email the mortgage payoff or send by fax to 239-593-7909. Kind regards, Tonya Beadle I Closing Agent [Office] 239.593.7900 [Fax] 239.593.7909 www.naples.law 13180 Livingston Road Suite 206 Naples, FL 34109 0 0 CONFIDENTIALITY NOTICE: This message contains information from Lindsay & Allen, PLLC that may be privileged and/or confidential. If you are not the addressee, please be advised that any disclosure, copying, distribution or other use of the contents of this message is prohibited. If you are the intended recipient and a client of the law firm, please preserve your attorney -client privilege by NOT showing this message to others and keeping its contents confidential. UNIFORM ELECTRONIC TRANSACTIONS ACT NOTICE: If this communication concerns negotiation of a contract or agreement, unless otherwise expressly stated in writing, the Uniform Electronic Transactions Act does not apply to this communication. Contract formation in this matter occurs subject to our clients' final review and manually affixing of original signatures on original documents. Packet Pg. 1783 16.D.13.h EVIDENTIARY PRIVILEGE: To the extent that this message is a communication to settle a claim, all evidentiary limitations on its use are hereby expressly made applicable to its contents. FEDERAL FAIR DEBT COLLECTIONS PRACTICES ACT NOTICE: To the extent that this message is an effort to collect a consumer debt, you are hereby notified that this is a communication from a debt collector and that all information provided in response to this message may be used for debt collection purposes. w 0 uO LO 0 N R L CV C O N O lid U MCU W E c.i Y Y Q Packet Pg. 1784 " ��15438 OR, 2579 PG; 0983 :S 16.D.13.i GLOBAL ?!!'.B R?:CRi3:`in Ent CrFi:iA: REGR'JS Of CCLi:RR °: R3 ?B? 2odmodgagef0ihfird' 12;�6'1939 a:...,. H 7i:G!I? 8. BROCK, ,.IRK 1 ; THRID MORTGAGE THIS THRID MORTGAGE ('Security Instrumont") is given on July 29 , 1099. The Thrid Mortgagor :s Jose Lopez & Maria A. Lopez (•Borrower ). This Security Instrument is given to__ Collier Count_ ("Lender"), which is organized and existing under the laws of" united States of America, and whose address is 2800 North Horseshoe Drive, Naples Florida 34014 . Borrower owes Lender the sum of Two Thousand Five Hundred Dollars (U.S. $ 2,500.00 ). This debt is evidenced by Borrower's Note dated the same date as this Security Instrument ("Second Mortgage"), which provides for monthly payments, with the full debt, if not paid earlier, due and payable on sale of property, refinance or lose of homestead ex em tion This Security Instrument secures to Lender (a) the repayment of the dam the Note, with interest, and all renews s, extensions and modifications: (b) the payment of all other sums, with interest advanced under paragraph 7 to protect the security of the Security Instrument; and (c) the performance of Borrower's covenants and agreements under this Security Instrument and the Note. For this purpose, Borrower does hereby second mortgage, grant and convey to Lender the following described property located in Collier County, Florida. As more particularly described as LOT 12 BLOCK 11 NAPLES MANOR LAKES and which has the address of: ("Property Address'):; 5346 Broward St pia lea Florida 3d113 N TOGETHER WITH till (tl9 provr>'trtettts now orhereafter erected on the property, and all easements, rights. CD rn appurtenances, rents, royalties iS e4 oil and gas rights and profits, water rights and stock and all fixtures now or hereafter a part of m the property, All replacements and adQitids shall also be covered by the Security Instrument. All of the foregoing is referred to in this Security Instrument as the •P o BORROWER COVEN A T�t Borrower is lawfully seized of the estate hereby conveyed and has the right to mortgage, grant and convey the Property and that the'Prorty is unencumbered, except for encumbrances of record. Borrower warrants and C will defend generally the title to the Property Inst all claims and demands, subject to any encumbrances of record. e THIS SECURITY INSTRUMENT combines uniform covenants for national use and non -uniform covenants with IIm coif p variation by jurisdiction to constitute a uniform rm security instrument covering real property. R UNIFORM COVENANTS. Borrower and Lender covenant and agree as follows. 1 Payment of Principal and Intanst;`Prepiyment and Late Charges. Borrower shall promptly pay when due the '.M principal of and interest on the debt evidenced by the NiSfe; W 2. Taxes. The Mortgagor will pay all taxes, ass@s :(vents, sewer rents or water rates prior to the accrual of any penalises or a <, 11,1 — interest thereon. respective) become due, IA)( )all taxes and overnmental The Mortgagor shall pay or cause to be paid, as-tjte iii' e Y 1 9 nray at any time60l 4ully)assessed or levied against or with respect to the Property, (2) all 3: .. charges of any kind whatsoever which including 'service charges', ind red tP►tposed for the operation, maintenance, use, occupancy, upkeep CD utility and other charges, ¢or and improvement of the Property, and (3) all assessments orothergovernmental charges that may lawfully be paid in installments to be paid only such installments as are in over a period of Years, the Mortgage shall be obligated under the rt age to pay or cause mpti er the payment of any of the foregoing, forward to N required to be paid during the term of the Mortgage, and shall Mortgagee evidence of such payment. 3. Applleatton of Payments. Unless applicable law pr ' s Me, all payments received by Lender shall be applied; y 2 first, to interest due; and, to principal due; and last, to any late chaiggs d at the Note. 4, Charges; Liens. Borrower shall pay all taxes, assessmentsifes, fines and impositions attributable to the Property which may attain priority over this Security Instrument, and leasehold p@y, C5A o�round ►eats, if any. Borrower shall promptly evidencing Lender all notices of amounts to be paid under this parag aph dC pie evidencing the payments. N furnish to Borrower shall promptly discharge any lien which has priority over tki3 ty Instrument unless Borrower. (a► agrees In the obli ation secured b the lien in a manner accep Lender; (b) contests in good faith the lien by, or y 0 o writing Who payment of g .�bls�n o rate to prevent the enforcement of the the lien in, legal proceedings which in the Lends apt pe p defends against enforcement of lien; or (c) secures from the holder of the lien an agreemen+ satisfactory to Lender su dinaling the lien to this Security instrument. If Orlty cyan the Security Instrument, Lender may a Y Lender determines that any part of the Property is subject to a lien which may attar Borrower a notice identifying the lien. Borrower shall satisfy the lien or take one of c4 the actions set forth above within 10 u give days of the giving of notice. or hereafter erected on the 5. Huard or Property Insurance. Borrower shall keep the Improvements i rig by fire, hazards included within the term "extended cover an >an p ther hazards, Including floods or m c Property insured against loss flooding, for which Lender requires insurance. This insurance shall be maintained in the amounts art for the pencds that Lender the insurance shall be chosen by Borrower subject to le er s,approvat which shall not be t requires. The insurance carrier providing unreasonably withheld. If Borrower fails to maintain coverage described above. Lender may, at Lender'soption, obtain coverage to At times that the Note is outstanding, the Mortgagor shall w protect Lenders rights in the Properly in accordance with paragraph 7. all insurance with respect to the Premises against such risks and for such amounts as are customanly risured against and pay, Q maintain as the same become due and payable, all premiums in respect thereto, including, but not limited to . all-nskrmsurance protecting the the Premises by fire, lightning, and othercasualties customarily interests of the Mortgagor and Mortgagee against loss or damage to insured against (including baler 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 to Lender all receipts of paid shall have the fight to hold the policies arx7 renewals, It Lender requires, Borrower shall promptly give premiums and renewal notices. In the event of loss, Borrower shall give prompt notice to the insurance carrier and Lender. Lender may mske proof of loss it not made promptly by Borrower. Unless Lender and Borrower otherwise agree in writing, insurance proceeds shall be applied to restoration or repair of the Property damaged, it the restoration or repair is economically feasible and Lenders security is not lessened. If the restoration or repair is not economically feasible o' Lenders security would be lessened, the insurance proceeds shall be applied to the sums Property. secured by the Security Instrument, whether or not then due, with any excess paid to Borrower. If Borrower abandons the insurance carrier has offered to settle a claim, then lender may or dues not answer within 30 days a notice from Lender that the the insurance proceeds. Lender may use the proceeds to repair or restore the Property or to pay sums secured by this collect Security Instrument, whether or not then duo, The 30-day period will begin when the notice is mailed. Unless Lender and Borrower not extend or postpone the due date of the monthly payments otherwise agree in writing, any application of proceeds to principal shall referred to in paragraph 1 or change the amount of the payments. If under paragraph 21 the Properly is acquired by Lender, Borrowers right to any insurance policies and proceeds resulting from, damage to the Property prior to the acquisition snail pass to Lender to the extent of the sums secured by this Security Instrument immediately prior to the acquisition. Protection of the Property; Borrower's Loan Application, Leaseholds. e. occupancy, Preservation, Maintenance and Borrower shall occupy, establish, and use tie Property as Borrowers principal residence within sixty days after the execution of this Borrower's residence for at least one year after the dale of Security Instrument and shall continue to occupy the Property as principal occupancy, unless Lender otherwise agrees in writing. which consent shall not be unreasonably withheld, or unless extenuating circWnstancos exist which are beyond Borrowers control. Borrower Shall not destroy, damage or impair the Property, allow the Borrower shall be in defauh d any forfeiture action or proceeding, whether property to deteriorate, or commit waste on the Property. civA or criminal, is begun that in Leru)ers good faith judgment could result in forfeiture of the Properly or otherwise materially impair Packet Pg. 1785 OR: 2579 r'J r 16.D.13.i 2id mortgage form O the lien created by this Security Instrument or Lender's security interest. Borrower may cure such a default and reinstate, as provided in paragraph 18. by causing the action or proceeding to be dismissed with a ruling that, in Lender's good faith determination, precludes forfeiture of the Borrower's interest in the Property or other material impairment of the lien created by this Security Instrument or Lender's security interest. Borrower shall also be in default if Borrower, during the loan application process, gave materially false or inaccurate information or statements to Lender (or failed to provide Lender with any material information) in connection with the loan evidenced by the Note, including, but not limited to, representations concerning Borrower's occupancy of the Property as a pnndpal residence. If this Security Instrument is on a leasehold, Borrower shall comply with all the provision of the lease. if Borrower acquires fee title to the Property, the leasehold and the fee title shall not merge unless Lender agrees to the merger in writing. 7. Protection of Lender's Rights in the Property. If Borrower fails to perform the covenants and agreements contained in this Security Instrument, or there is a legal proceeding that may significantly affect Lender's rights in the Property (such as a proceeding in bankruptcy, probate, for condemnation or forfeiture or to enforce laws or regulations), then Lender may do and pay for whatever is necessary to protect the value of the Property and Lender's rights in the Property. Lender's actions may include paying this Security Instrument, appearing in court, paying reasonable attorneys' fees and any sums secured by a lien which has priority over entering on the Property to make repairs. Although Lender may take action under this paragraph 7, Lender does not have to do so Any amounts disbursed by Lender under this paragraph 7 shall become additional debt of Borrower secured by this Security Instrument Unless Borrower and Lender agree to other terms of payment, these amounts shall bear interest from the date of disbursement at the Note rate and shall be payable, with interest, upon notice from Lender to Borrower requesting payment. 8. Mortgage Insurance. If Lender required mortgage insurance as a condition of making the loan secured by this Security Instrument, Borrower shall pay the premiums required to maintain the rrx:rtgage 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 rnortgager insurance previously in effect, from an alternate mortgage insurer approved by Lender. If substantially equivalent mortgage insurance coverage is not available, Borrower shall pay to Lender each month a sum equal to one -twelfth of the yearly mortgage insurance premium being.-Pal,d by,'6orrower when the insurance coverage lapsed or ceased to be in effect Lender will accept, use and retain these payments a`i reserve in lieu of mortgage insurance. Loss reserve payments may no longer be required, at the (in the amount and for the period that Lender requires) provided by an insurer y option of Lender, it mortgage rnsv nce coverage approved by Lender again beetles available and is obtained. Borrower shall pay the premiums required to maintain mortgage ah insurance in effect, or to provide a -loss reserve, until the requirement for mortgage insurance ends in accordance with any written C agreement between Borrower arK Lander or applicable law. 9. Inspection. Lender or Its agent may make reasonable entries upon and inspections of the Property. Lender shall give 0 Borrower notice at the time of or prior to an inspection specifying reasonable cause for the inspection. 10. Condemnation. TheViloceeds of any award or claim for damages, direct or consequential, in connection with any o c condemnation or other taking of any part oj4he Property, or for conveyance in lieu of condemnation, are hereby assigned and shall be G paid to Larder. In the event of a total talcifhg of, the :Property, the proceeds shall be applied to the sums secured by this Security U Instrument, whether or not then due, with any'e��cc. skid to Borrower. In the event of a partial taking of the Property, in which the fair market value of the Property immediately hfefore tfrie taking is equal to or greater than the amount of the sums secured by this y Security Instrument immediately before the taking, unless Burrower and Lender otherwise agree in writing, the sums secured by this fit Security instrument shall be reduced by the amount of the proceeds multiplied by the following fraction: (a) the total amount of the a suns secured immediately before the taking, divd�ltty he fair market value of the Property immediately before the taking Any = Glance shall be paid to Borrower. in the event of a , i to.ktog of the Property in which the fair market value of the Property U) immediately before the taking is less than the amouibf Sur'r!s secured immediately for the taking, unless Borrower and Lender otherwise agree in writing or unless applicable law otFierwls) { &-iges, the proceeds shall be applied to the sums secured by this LO Security Instrument whether or not the sums are then due Unless t4ondef and Borrower otherwise agree In writing, any application of N proceeds to principal shall not extend or postpone the due datehilt�nlonthly payments referred to in paragraphs 1 or change the N amount of such payments 11. Bo►rewer Not Released, Forbearance By LenrNr, t a Waiver, Extension of the time for payment or modification of (D amortization of the sums secured by this Security Instrument granted by Lender to any successor in interest of Borrower shall not C operate to release the liability of the original Borrower or Borrower's successafs in interest. Lender shall not be required to commence 0 p'oceedings against any successor in interest or refuse to extend time for )yment or otherwise modify amortization of the sums 2 secured by this Security Instrument by reason of any demand made by the original Borrower or Borrower's successors in interest. p Any forbearance by Lender in exercising any right or remedy shall not be a waives of or preclude the exercise of any right or remedy. N 12. Successors and Assigns Bound; Joint and Several Liability; Co -Signers, The covenants and agreements of this to Security Instrument shall bind and benefit the successors and assigns of Lender and Borrower, subject to the QO Provisions of paragraph 17. Borrowers covenants and agreements shall be joint and several. Any Borrower who co-signs this CL Secunily, Instrument but does not execute the Note; (a) is co-signing this Security instrument only to mortgage, grant and convey that M Borrower's interest in the Property under the terms of this Security Instrument; (b) Is not personally obligated to pay the sums secured by this Security Instrument; and (c) agrees that Lender and any other Borrower may to xtend, modify, forbear or make any Instrument the Note wit�at lflorrower's consent. R m accommodations with regard to the terms of this Security or 13. Loan Charges. If the loan secured by this Security Instrument is subjedia4law 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 to the £ exceed the permitted limits, then: (a) any such loan charge shall be reduced by the amount necessary to reduce the charge s permitted limtt; and (5) any sums already collected from Borrower which exceeded permitted Omits will be refunded to Borrower. r mnd er If Lender choose to make this refund by reducing the principal owed under the Note or by mak 4a act payment to Borrow M a refund reduces principal, the reduction will be treated as a partial prepayment without any pre0aytolg cf)arge under the Note. Q 14, Notices. Any notice to Borrower provided for in this Security Instrument shall be given by cLifivering it or by mailing it by first Gass mail unless applicable law required use of another method. The notice shall be directed to the Plpisrty Address or any by to Lender. Any notice to Lender shall be given to Borrclw6 or Lender when given as other address Borrower designates notice provided in this paragraph. 15. Governing Law; Severabflfty, This Security Instrument shall be governed by federal law and the law of the jurisdiction in which the Property is located. In the event that any provision or clause of this Security Instrument or the Note conflicts with applicable law, such conflict shall not affect other provisions of this Security Instrument or the Note which can be given effect without the conflictrig provision. To this end the provisions of this Security Instrument and the Note are declared to be severable 15, Borrower's Copy. Borrower shall be given one conformed ropy of the Note and of this Security instrument. 17. Transf9r of the Property or a Beneficial Interest In Borrower. If all or any part of the Property or any interest In it is sold or transferred (or d a beneficial interest in Borrower is sold or transferred and Borrower is not a natural person) without Lender's prior written consent, Lender may, at its option, require immediate payment in full of all sums secured by this Security Instrument. However, this option shall not be exercised by Lender it 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 falls 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 covenanita or agreements; (c) pays all expanses incurred in enforcing this Security Instrument, including, but not limited to, reasonable attnff y% tees; and (d) takes such action as Lender may reasonably require to assure that the lien of this Security Instrument, Lenders rots in the Property and Borrower's obligation to pay the sums secured by this Security Instrument shall continue unchanged. Upon reinstatement by Borrower, this Security Instrument and the obligations secured hereby shall remain fully effective as if no aorxteration had occurred. However, this right to reinstate shall not apply in the case of acceleration under paragraph 17 Packet Pg. 1786 2 16.D.13.i Zed mortgage form U 19. Sale of Note; Change of Loan Servicer. The Note or a partial interest in the Note (together with this Security Instrument) may be sold one or more times without prior notice to Borrower. A sale may result in a change in the entity (known as the 'Loan Servicer) that collects monthly payments due under the Note and this Security Instrument. There also may be one or more changes of the Loan Servicer unrelated to a sale of the Note. If there is a change of the Loan Servicer, Borrower will be given written notice of the change in accordance with paragraph 14 and applicable law The notice will stale the mama and address of the new Loan Servicer and the address to which payments should be made The notice will also contain any other information required by applicable law. 20. Hazardous Substances. Borrower shall not cause or permit the presence, use, disposal, storage, or release of any Hazardous Substances on or in the Property. Borrower shall not do, nor allow anyone else to do, anything affecting the Property that is in violation of any Environmental Law. The preceding two sentences shall not apply to the presence, use, or storage on the Property of small quantities of Hazardous Substances that are generally recognized to be appropriate to normal residential uses and to maintenance of the Property. Borrower shall promptly give Lender written notice for any investigation, claim, demand, lawsuit or other action by any governmental or regulatory agency or private party involving the Property and any Hazardous Substance or Environmental Law of which Borrower has actual knowledge. If Borrower learns, or is notified by any governmental or regulatory authority. that any removal or other remediation of any Hazardous Substance affecting the Property is necessary, Borrower shall promptly take all necessary remedial actions in accordance with Environmental law. As used In this paragraph 20, 'Hazardous Substances' are those substances defined as toxic or hazardous substances by Environmental Law and the following substances. gasoline, kerosene, other flammable or toxic petroleum products, toxic pesticides and herbicides, volatile solvents, materials containing asbestos or formaldehyde, and radioactive materials. As used in this paragraph 20, 'Environmental Law" means federal laws and laws of the jurisdiction where the Property is located that relate to health, safety or environmental protection. 21. Acceleration; Remedles, 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 provideVotherwise). The notice shall specify: (a) the default; (b) the action required to cure the default; (c) a date, not less INMI0 iia from the dale the notice is given to Borrower, by which the default must be cured; and (d) that failure to cure the tiee�on,gr before the date specified in the notice may result in acceleration of the sums secured by this Security IrtaVurrterit; orsube by judicial proceeding and sale of the Property. The notice shall further inform Borrower of the right to reinstate after accel ration and the right to assert in the foreclosure proceeding the non-existence of a default or any other defense of eorfow to,3tceleration and foreclosure. If the default is not cured on or before the date specified in the notice, Lender, at its option, tr'ay-require immediate payment in full of all sums secured by this Security Instrument without further demand and ma5r1or;gclose this Security Instrument by judicial proceeding. Lender shall be entitled to collect all expenses incurred in pursuing the remedies provided in this paragraph 21, including, but not limited to, reasonable attorneys fees and costs of the title evide>3ce. 22. Release, Upon payment , all sums secured by this Security Instrument, Lender shall release this Security utsVun)ent, without charge, to Borrowed Borrower shall pay any recordation costs. 22. Attomeys' Fws. As used in this Security Instrument and the Note, 'attomeys' fees" shall include any attorneys' fees awarded by an appellate coup 24. Riders to this Security Instrument, If one or more riders are executed by Borrower and recorded together with this Security Instrument, the covenants reemt s a roements of each such nder shall be incorporated into and shall amend and supplement the covenants and agpU trs ecurity !nsttrn uent as if the rider(s) were a part of this Security Instrument. (Check Applicable Box) \; <- El Adjustable Rate Rider Graduated Payment P,ider El Balloon Rider Rider El other(s)(specify SIGNING BELOW, Borrower accepts and agrees to the terms and any rider(s) executed by Borrower and recorded with it Signed, sealed and delivered in the presence of: Witnessill r _-6 4'�M t � ~ Signature: �,�,�,, C —� WitnessQ: s ", Signature: C •�'�rr : 1. Cif _ STATE OF_ Florida COUNTY OF r-1 Rider LA Condominium Rider r-1 LJ Second Home Rider Rider C Planned Unit Development in this Security instrument and o Signature: Borrower "-o"< pez i Signature: ~� Co - sorrows► Mai a " -Lopez Address: 5346 Brofward'- S Naplee, Flor_=,34113 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 Jose Lopez f Maria A. Lopez to me known to be the persons) described in and who executed the foregoing instrument and acknowledged before me that (He; she/ they) executed the same for the purpose therein expressed, l and WITNESS my hand and official seal i my S I e oresatd this �— day of _� c-L t9_ II --� My Commission Expires: `{ -- -- — (Seal) -- ubli 's Signature Notary's Printed Name 's�r r`rSU Of It Al xtlDyVQ Packet Pg. 1787 Collier County Property Appraiser 16.D.13.i Property Summary Site 5346 Site Zone Parcel No 62260200002 Address BROWARD Site City I NAPLES *Note 341' *Disclaimer IST Name / Address LOPEZ, JOSE=& MARIA A 15346 BROWARD ST City NAPLES State I FL I Zip 1 34113-7835 Map No. Strap No. Section Township Ran a Acres *Estimated L 5B29 50830011125B29 29 50 26 0.19 O 4- Legal NAPLES MAN LAKES BLK 11 LOT 12 r- OF 0 W Millage Area a 108 Millage Rates a *Calculations ,c Sub./Condo 508300 - NAPLES MAN LAKES School Other Total Use Code a 1 - SINGLE FAMILY RESIDENTIAL 4.889 6.6608 11.5498 Latest Sales History lNnt all Salac ara lictarl Am to Cnnfirlantialitvl Date Book -Page Amount 08/06/99 2579-973 $ 49,500 07/29/98 2445-3002 $ 10,000 12/01/63 127-384 $ 0 Land Value $ 112,3; (+) Improved Value $ 82,3! (_) Market Value $ 194,6' (-) Save our Home $ 134,311 (_) Assessed Value $ 60,211 (-) Homestead $ 25,01 (_) School Taxable Value $ 35,27 (-) Additional Homestead $ 10,211 (_) Taxable Value $ 25,01 a_ x 2021 Certified Tax Roll `" sub'ect to Change) 0 In u) 0 N N a� a 0 J 0 N t� O c a M If all Values shown above equal 0 this parcel was created after the m Final Tax Roll d E z 0 ca a Packet Pg. 1788 jl�tlt: 2613038 OR: 2656 PG: 3285 lzUkITT TITLI CORE RVOIDID in the 0111CIAL RICCRDS of Co6LIIR corny, n lies C0911111 RD 4S1 $1 03f 0000 at 01:40PN 1;111 fl' I. DROCX, 4IIriX RAfL13 IL 34116 SECOND MORTGAGE OSLO "0 16.D.13.j OILT 250 RIC III IS11) DOC-, 35 I. TS THIS .SECOND 411OR GAGE ("Securify lnstrumeni") Is givi;n on March A 20J0 The Sexond Mortgagor iy Jose Concepcion Meza ("Borrower"). This Security Instrument is given to Collier Coxinty ("Lender"), which is organized and existing under the tows of the United States of Amenco, and whose address is 2a00 North Horaeaahoe Drivms, Napins,_Florida 3401i Borrower tywe6 Lander the sum of Two Tkauaand Five Hundxed and Na 100tha Dollesa (U.B. 3 2.500.00 )• This debt le evidenced by Borrower's Not e dated the aame date as this Security lnstrumant ('Second Mortgage"1, which �ravidae for rforttllty payments, with the full debt, It not paid racier, due and payable on rate of property , refinenca. as loan of hcHaastead exemption .This Security Inatrument secures to Lender. (a) the repayment of then debt evheiencad by the Note, wJih IMareaL aril all renewals, extension and modifice1tans; (b) the payment of all other sums, with merest advanced untler paragraph 7 to protect the security of the Security Instrument; and (t) the pertormance of Borrower's covenants and agreements under this Security Instrument And the Note. For this purpose, Borrower does hereby second mortgage, grant and convey to Lender the following described property located In Collier G,)unty, Florida. As more parttculariydescribed as Lot 7, Bolden Acne and which has the address of, ("propeorty Address"): 5120 17 w' C t_ SW ire Floridan 30116 TOGETHER WITH .Jill improvMnerrts now or harsefter erected on the property, and sit easements, rights, appurtenances, rents, ETH royalties monerehl oil and yes rights-snd , water rights and stock and all fixtures now or hereafter a part of the property. All septa trill t and additions OW also be covered by thjoiji ty Instrument. All of the forego,ng is refereed to in this Security Instrument as the "W BORROWER COVENANTS that. Borrower is lawfully seized of the wlato hereby conveyed and has tha right to more, grant ,tred convey the Property and that the prcoorty isunencumbered, except for encumbrances of record. Borrower warrants and will defend generally the title to the Property against ail claims and demands. aubject to any encumbrances of record. THIS SECURITY INSTRUMENT combines uniform covenants for national use and non -uniform covenants with limited variation by pitsdicbon to constitute a uniform security in strurnent.kovering real property. UNIFORM COVENANTS. Borrower and Lender covenant and agree as follows: 1. Paymant of Principal and Interest; Prepayment and Late Charges. Borrower shall promptly pay whoa due the principal or and interest on the debt evidenced by the Not*. 2. Texas. The Mortgagor will pay all taxer), assessMents, sewer rents or water rates prior to the accrual of any penalties or interest thereon. The AJorigayor afait pay or cause to be paid As th Ot�b<respectively heromg due, (A)(1) all taxes and governmental charges of any kind whatsoever WIMth may at any time be lawfully assess ttl Vied against or with respect to the Property, (2) all utility and other charges, Including "seryl0e charges', Incurred or imposed for the opil ion, maintenance, use, occupancy, upkeep and improvement of the Properly, and (3) loll saailssments or other governmental charges that may lawfully be paid in installments over a period f years, t of the Mortgage,Mortgagorll be and obligated under the Mortgage to pay or cause to be paid only such insWllr0ents as are required to be pa' g shall, pro rnptty after the payment of any of Ina foregoing, forward to Morigaglee evidence of such payment. 3. AppUcaflon of payments. Unless applicable law providelaiteiwisa, all payments received by Lender shall be applied: first, to interest due; and, to principal due; and last, to any late charges due tinder th ore I. 611a►gaa; Dena, Borrower stall pay all taxes, asaessrnen , arpes, fines arid Impositions attributable to the Progeny which may attain privrlty over this Security Instrument, and leasehold payments or gro r , if any. Borrower shall promptly furnish to Lander all notices of amounts to be paid under this paragraph, and ail receipts evide in g is' moons. Borrower shall promptly discharge any lien which has priority over this rity Instrument unless Borrower. (a) agrees in writing to the payment of the obligation secured by the lien in a manner acceptabe to Le dart ( contests in good faith the lien by, or defends against enforcement of the Then in, legal proceedings which in the Lender's opinion operata.ta.�it the enforcement Lender determines thatanyrom part the holder of the lien shin agreement satisfactory 10 Lender subordinating the lien tat LiS.Securtty of the property is subject to a lien which may attain priority over the Security Instnimnrk. tender may give Borrower a notice identifying the flan. Borrower shall satisfy the lien or take one or more of the actions set forth above within t0 dg' of the giving of notice. S, Mssard or Property Insurance. Borrower shall keep the Improvements no exiating or hereafter erected on the Property insured against Ions by fore, hazards included within the term "extended coverage" and any other haze ,-Including floods or flooding, for which Lender requires iosuence. This Inauran ce shall be maintained In the amounts and for the periods the(end requires. The insurance carrier providing this Nsturence shall be coosen oy Borrower subject 10 Lender's approval which shall not b unreasonably withheld. It Borrower fails to minter doversp described above, Lender may, at Larder's option, obtal'i coveragn fa protec et to hits in the Property in accordance with paragraph T. At all times that the Note Is outstanding, the Mortgagor shall maintain insurance iivith rtw ect to the Premises against such risks and for such amounts on are customarily insured against and pay, as the same become due and pa' able, all premiums in respect thereto, rnctudirhg, but not limited ta , all-risk insurance protecting the Interests of the Mortgagor and Mortgagee a ii ist as or damage to the Promises try fire, lightning, arld other casualties customarily insured against (including Lx-iIler explosion, if appropr te)�w unifornh standard extended coverage endorsement, including debris removal coverage, Such Insurance at all times to be In an amount not than the full replacement cost of the pnimo ses, exclusive of footings and foundations. All insurance policies and renewals shall be acceptable to Lender and shall include a standard ge clause. Lender shall have the fight to told the policies and renewals. If Londer requires. Borrower shall prompvy give to Lender ail 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 toss it not made promptly by ear mw Unless Lender and Borrower otherwise agree in writing, insurance proceeds shall be applied to restoration or repair of the Property damaged, it the restoration or repair Is economically feasible and Landoes security is not lessened. It the restoration or repair is not aooroo nlceily feasible or Lenders security would be lessened, the Insurance proceeds shall be applied to the sums secured by the Security inatrumoeK, whether or not then due, with any excess paid to Borrower. If Borrower abandons the Property, or does not answer within 30 days a notice from Lender that the insurance carder has offered to settle a claim, then Lander may collect the insurance proceeds Lender may use the proceeds to repair or restore the Property or to pay sums seerured by this Security Instrument, whether or not then due. The 30-day period will baplrr when the notice is mailed, Unless Lender and Borrower otherwise agree in writing, any application of proceeds to principal shall not extend or postpone the due date of the monthly payments referred to in paragraph 1 or change the amount of the payments. it under paragraph 21 the property is acquired by Lender, Borrower's right to any Insurance policies and proceeds resulting from damage to the property prior to the acquisition shall pass to Lender to the extent of the surns secured by this Security Instrument immediately prior to the acquisition. Al pocuperM, Prasamation, Maintenance and Protraction of the Property; Borrower's Loan Application, Leaselli Borrower shall occupy, itsitimbilsh, and use the Property as Borrower's principal residence within sixty days after the execution of this Security Instrument and shall continue to occupy the Property as Borrower's principal residence for at least one year after the date of occupancy, unless Lender rAtMxtrriss agrees in writing, which consent shalt not be unreasonably withheld, or unless extenuating circumstances exist which are beyond Borrowees control. Borrower shall not destroy, damage or impair the Property, allow the Property to deteriorate, or comr.;it waste on the Property, Sorrower stmall be in default if any foralture action or proeeeodn f, whether civil or criminal, is begun that in Landers goad le fh jurtgment reuld result in forfeiture of the Property or otherwise materially impair the lien created by this Sccunty Irstrume3nt or Londe.* security intentel. Borrowver may cure such a default and winswte, as provided in paragraph `18, by causing the a:.tion or p.ocoeding to be dismissed with a ruling that, In Londars goxrJ faith detennin%tion, prewludt s Lklelture of the Borrower's interest in the Property ,.r other material to ar >a 0 0 a 19 W m m Packet Pg. 1789 OR: 2656 PG. 3286 16.D.13.j impairment of the lien created by this Security instrument or Lender's security interest. Borrower shall also be in default if Borrower, during the kart spplloetioh process, gave materially false or inaccurate Information or statements to Lander (or failed to provide Lender with any material Information) in connection with the loan evidenced by the Note, including, but not limited to, representations concerning Borrower's occupancy of the Property as a principal residence. It this Security Instrument Is on a leasehold, Borrower shall comply with all the provision of the lease. If Borrower acquires fee tilde to the Property, the leasehold and the fee title shall not merge unless Lander agrees to the merger in writing. T. Protgetion of Lender's Rights In the Property. If Borrower fails to perform the covenants and agreements contained in this Sacunty Instrument, or there is a legal proceeding that may significantly affect Lender's rights In the Property (such as a proceeding in bankrrucy, probate, for r•andemnation or forfeiture or to anforco laws or regulations), then Lender may do and pay for whatever is necessary to protect the value of the Property and Lender's rights in the Property. Lender's actions may Include paying any sums secured by a lion which nos priority over this Security Instrument, appeanno in court, paying reasonable attorneys' fees and entering on the Property to make repairs. Although Lends (nay take action under this paragraph 7, Lender does not have to do so. Any amounts disbursed by Lender under this paragraph 7 shall become additwnal 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 Lander to Borrower requesting payment. S. Mortgage insurenoe. If Lender required mortgage Insurance as a condition of making the loan secured by this Security Instrument, Borovgr shall pay the premiums requlro d to malntaln the mortgag,) insurance in effect. d, for any reason, the mortgage insurance coverage required by Lender lapses or ceases to be in affect, Borrower shall pay the premiums required to obtain coverage substantially squivalont to the mortgage insurance previously in eNect, at a cost substantially equivalent to the cost to Borrower of the mortgage insurance previously in effect, from an alternate mortgage insurer approved by Lender. It substantially equivalent mortgage insurance coverage is not available, Borrower shall pay to Lender each month a sum equal to one -twelfth of the yearly mortgage insurance premium being paid by Borrower when the insurance coverage lapsed or ceased to be In effect. Lender will accept, use and retain these payments as a loss reserve in lieu of mortgage Insurance. Loss reserve payments may no longer be required, at the option of Lander, if mortgage insurance coverage (in the amount and for the penod,ftt. ender requires) pfovitdatt by an Insurer approved by Lender again becomes available and is obtained. Borrower shad pay the premitume;Vsqufred to maintain mortgage insurance In effect, or to provide a loss reserve, until the requirement for mortgage insurance ends In accortjler with any written agreement between Borrower and Lender or applicable law. q, )ryspson. Lenderaf lt)s agent may make reasonable entries upon and inspections of the Property. Lander shall give Borrower notice at the lima of or prior to an insps ti n specifying reasonable cause for the inspection. 10. Condemnation. The pr of any award or claim for damages, direct or consequential, in connection with any condemnation ayi or other taxing of any part of the P4 y, or ftrf conveyance in lieu of condemnation, are heretby assigned and shall be paid to Lender, in the tM M event of a total taking of the Properly, the cebds shall be applied to the sums secured by this Security Instrument, whether or not then due, t wrth any excess paid to Borrower. In i event of a partial taking of the Property, in which the fair market value of the Property immediately o before the is" is equal to or greater than the amount of the sums secured by this Security In,1, menu immediately raise the taking, unre95 Borrower and lender ottrerw!se agree in viriting,�ix 0*1ims secured by this Security Instrument shalt be reduced by the amount of the proceeds o multiplied by the following fraction. (a) the total amount of the sums secured immediately before the taking, divided by (b) the fair market value partial taking of the Property in which ore of the Property Immediately before the taking. Any balance shall be paid to Burrower in the event of a the fair market value of the Property irrrtediatetyi before hawking is lass than the amount of the sums secured immediately for the taking, 0 unless Bwrrraa and Lollar otherwise agree in writ or On,los applicable law otherwise provides, the proceeds shall be applied to the sums N secured by iris Security Instrument whether or not the surrWaie,then due. Unless fender and Borrower otherwise agree In writing, any application of proceeds to principal shall rot extend or-poiiipohe the due date of the monthly payments referred to in paragraphs i or change M the amount of such payments. a 11, Sorrorver Not Released, Forbearance By Lend'sr>Vot o Welver. Extension of the time for payment or modification of = arnorlizatron of the .turns secured by this Security Instrument grante'd by Lender to any successor in interest of Borrower shall not operate to N release the liability of the original Borrower or Borrower's successor BXinterest Lender shall not be required to commence proceedings e againot any successor in intarest or refuse to extend fime for payment ur otherwise modify amortization of the sums secured by this Security un Instrument by reason of any demand made by the original Borrower or Betr4ft is successors in interest. Any forbearance by Lender in N exerrWrig any right or remedy shall not be a waiver of or preclude the exercl of any right or remedy. 12, ttluaoassors and Assigns Bound; Joint and Several Llablif y;, 6.9•Signers• The covenants and agreements of this Security li instrument shad bind and benefit the successors and assigns of Lender and Borrower, subject to the sd Provisions of pentgraph 17, Borrower's covsrtints and agreements shell, -be lojot A several, Any Borrower who co-signs this Security ZF InStnxneni but dons not execute the Note; (a) is co-signing this Security Instrum only to martgage, grant and convey that Borrower's interest 2 in the Property ortolan the terms of this Security Instrument; (b) is not persona idgtt(eltta pay the sums secured by this Security Instrument; op and (c) egross trier' Lender and any other Borrower may agree to extend modify ofD-1 ake any accommodations with regard to the w terms of this Sectinty Instnowi, or the Note without that Borrower's consent u 13. Loan Charges. If the loan secured by this Security Instrument is sjw which sets maximum roan charges, and that o law is tirmliy Interpreted so that the interest or other loan charges collected or to be hn connection with tht+roan exceed the permrtled limits, there (a) arty such loan charge shall be reduced by the amount necessary to r charge to the permitted limit; and (b) any sums Y already collected from Borrower which exceeded permitted limits will be refunded to Borrower:. may choose to make this refund by � reducing tots principal owed under the Note or by making a direct payment to Borrower. if r uces principal, the reduelinn will be m treated as a partial prepayment without any prepayment charge under the Note. 14. Nodoes. Any notice to Borrower provided for In this Security Instrument shall bb ve slivering it or by mailing it by first 95 class mail unless applicable taw required use of another method. The notice shall be directed to I PP rly Address or any other address Borrower designates by notice to Lender. Any notice to Lender shall be giver, to Borrower or Lend" given as provided in this paragraph, U 1 S. t w4wrifng Law; Ssverability. 1 his Security instrument shall be governed by federo aw "iftill law of the jurisdiction in which the Prop" is located. in the event that any provision or clause of this Security Instrument or the Nttte`"coltftr nth applicable law, such t: conflict shad not affect other provisions of this Security Instrument or the Note which can be given effect wj otit e conflicting provision. To a this end the provisions Of this 3eeurity Instrument and the Note ass declared to be twseverable. la. Summr's Copy, Borrower shad be given one +:unformed copy of the Note and of this Secti its runaent. 17. Tranfhr of the NropeAy or a Seneficlal Interest In Borrower, if all nr any part of the property or arty interest inn it is sold or trionsferrad (or if a beneficial i!:teresl in Bari war is sold or transferred and Borrower A not a natural person) without Lender's urior written consent, Lander may, at ifs option, require imrnecllate payment In full of all sums secured by this Security Instrument Howevet, this Option shall riot bn exercised by Lender it exercise is prohibited by faderai law ss of the, dale of this Security instrument. It tender exercised this option, Under shall give Borrower n,.ttics of acceleration. The notice shall provide a period of not less than 30 days from the date the notica io dei.verwj or mailed within which Borrower most pay all sums secured by this Security Instrument. If Borrower fairs to pay thabe sums prior to the 6xprrarion of this period, Lender may Invoke any remedies permitted by this Security Instrument witrrout further notice m dameno on Borrower. is. Dorrowvers Right to Reinstate. li Borrower meals certain cot.ditions. Borrower shall have the right to have a ifereeinent u! this Security instnimonl drdcontinued 0 any time prior to the earlier of. (a) 5 dais (or such other period as applicable law may speedy ter rainst(tte(ment) before agile of the Property pursuant to any power of sale contained in this Security instrumen(; or (b) entry of a, jWgrnent enforcing this t'ecurity Instrument Thole conditions are that Borrower' (a) pays tender all sums which then would he due under ihis Security Instrumsnt and Ins Note as if no accer!eration had occurred; (b) cures and default of any other covenants or agrearnonW (c) ;pays ail expanses rrx rrrr9d in rsrforriny this Serur1y InstnunehL including, but not limited to, reasonable attorneys fees; and (d) takes sour action a_ Lendertray raesrxtauty require to ascure that the ilon of this Security lnstntriont, Lender's rights in the Properly and Borrower's obligatkin to pay the sums wured lw this &ect,rity 1n"bLvrrnnt shall continue unchanged, Upon rerinstatanieni by Borrower, this Security Instrument and the oblk3atlons s*rruad hw*by stall remain fully t4ffectiv o as It no acce',eratlon hid occurred Hawnvet, this right to roinstate shall not apply in the case of acceleratiorl umiw perapraah 17. 19, Sete of Nots; Change of Loam Servicer. f'he Note: or a partial intarest in the Notes (together with this Security instrument) may bill told one or more i:mas without prior notlr* to Pc mower. A sale may result in a change in the entity (known as the `Loan SerylLet"I that orA cm rriomilly prtymonts due undoi the Note arc: thla Secunfy inetrumer,t. 7tirire also maybe onto or mile changes of the Loan Sorvictir unrelated to s sale ai the Nute. If trae s Is a change of the Loan Saiv!cer. Borrower will be given written natice of the ;.hangs in ac, or(ance w 4th Packet Pg. 1790 11 OR: 2656 PG: 32 16.D.13.j paragraph 14 and applicable law The notice will 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 taw. 20, Hlt wdous Substances, Borrower shall nut cause or permit the presence, use, disposal, storage, or release of any Hazardous Substances on or in the Property. Borrower shall not do, nor allow anyone else to do, anything affecting the Property that is in violation of any Environmental Law. The preceding two sentences shall not apply to the presence, use, or storage on the Property of small quantities of Hazardous Substances that are generally recognized to be appropriate to normal residential uses and to maintenance of the Property. Borrower shall promptly give lender written notice for any Investigation, claim, demand, lawsuit or other action by any governmental or regulatory agency or prwate party Involving the Property and any Hazardous Substance or Environmental Law of which Borrower has actual knowiodge. if Borrower learns, or is notified by any governmental or regulatory authority, that any removal or other remediation of any Hazardous. Substance affecting the Property is necessary, Borrower shall promptly take all necessary remedial actions in accordance with Envtronmenlai Low As used in this paragraph 2U, 'Hazardous Substances" are those substances defined as toxic or hazardous substances by Environmental Law and the foilowl substarroes gasoline, kerosene, other flammable or toxic petroleum products, toxic pesticides and herbicides, volatile solvents, materials containing asbestos or formaldehyde, and radioa;,Uve misterfale. As used in this paragraph 20, "Environmental Law" means federal laws and laws of the jurisdiction where the Property is located that mleter tp health, safety or environmental protection, 21. Aczeloratlon; Remedies. Lander 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 taw provides otherwise). Tire notice shall specify; (a) the default; (b) the action required to cure the default; (c) a date, not lose than 30 days born the date the notice is given to Borrower, by which the default must be cured, and (d) that failure to cure the default on or before the date specified in the notice may result in acceleration of the sums secured by this Security Instrument, foreclosure by judicial proceeding and sale of the Property. The notice shall further inform Borrower of the right to reinstate after acceleration and the right to assert in the foreclosure proceeding the non-existence of a dafauti or any other defense of Borrower to acceleration and foreclosure. If the default is not cured on or before the date specified in the notice, Lender, at its option, may require Immediate payment in full of all sums secured by this Security Instrument without further demand and may foreclose this Security instrument by judicial proceeding. lender shall be entitled to collect all expenses incurred in pursuing the remedies provided in this paragraph 21, Including, but not limited to, reasonable attorney's fees and costs of the title evidence. 22. "on*. Upon payment of all sums secured by this Security Instrumem, Lender shall release this Security Instrument, without charge, to Borrower Borrower shall pay any recordation costs. 23. Attorneys' Fees. As used in this Security instrument and the Note, "attorneys' fees" shall include any attorneys' fees awarded by an appellate court 1Z 24, Midem to this Socurity 146ment. 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 Iffhe cider(%) were a part of this Security instrument. (Check Applicable Box) -, 4 1-- e -+ Adjustable Rate Rider Rate Improvement Rider . Condominium Rider a-. Graduated Payment Rider a +,` ally Rider - " Second Home Rider ,..:. nisi 5—i + Balloon Rider , - i k Pment Rider i - > Planned Unit Development Rider - - Ouoer(s) (specify SIGNING BELOW. 8rxr(.,woi arc,5Nts and agrees to the Itirms by BoiTcrwor pnd recorded with '.t Swnad, swied %nd,slel;veron its I a pt Bence uf. Srgrratul;, Signature:-.�3`Qe2'•—lG��? containod In this Security Instrument anti in any rdor;;) executed Signature- Co" Borrower on Address: 3001 TropicsRtli d�t7 " Na�J.wa L,r Floss Set 16 STATE OF Florida COUNTY OFL LLW_ I hereby certify that on this day, before me, an offices duly authorized in the state aforesaid 'fAlr, runty aforesaid to take ackrtowledgernsnita, personally appeared JgqC9n0�rton M Up to me known to be the person(s) describcxi.;ir n gwl:o executedit>< foregoing iris t a ack ledgrxl bef a me that ( / she/ they) executed the same for the purpose Moin expressed -P=_ez R7 ,vs 7 d �.n � WITNESS my hand and official sea! in the County arid'A.r'C: aforesaid this J day of M_ 20 �. r My Commission Expires; A Notary Public's Signature (Seat) Notary's Printed Name �VTra �a sixi�f t COMITZ S aCij��y MY y to R rn 1= O 0 c 0 io w y R rn a_ x rn 0 CD O M N d O rn N V 0 0 0. 0 M to m Packet Pg. 1791 Collier County Property Appraiser 16.D.13.j Property Summary Site 5120 17TH Site Zone Parcel No 35590000145 Address CT SW Site City I NAPLES *Note 341' *Disclaimer Name / Address IMEZA, JOSE C 5120 17TH CT SW City I NAPLES State I FL I Zip 1 34116-5601 y as Map No. Strap No. Section Township Ran a Acres *Estimated 41321 320700 741321 21 49 26 0.5 0 Legal GOLDEN ACRES LOT 7 00 0 Milla a Area O 20 Millacie Rates O *Calculations Sub./Condo 320700 - GOLDEN ACRES School Other Total Use Code v 1 - SINGLE FAMILY RESIDENTIAL 4.889 7.347 12.236 Latest Sales History (Not all Sales are listed due to Confidentiality) Date Book -Page Amount 03/29/00 2656-3272 $ 16,000 03/01/00 2646-1148 $ 130,000 01/10/00 2629-1647 $ 102,200 a 2021 Certified Tax Roll n Subject to Change) c Land Value $ 234,1; o (+) Improved Value $ 331,81 V (_) Market Value $ 565,94. (-) Save our Home $ 259,7' (_) Assessed Value $ 306,2; 0 (-) Homestead $ 25,01 (_) School Taxable Value $ 281,2; 00 (-) Additional Homestead $ 25,01 (_) Taxable Value $ 256,2; o If all Values shown above equal 0 this parcel was created after the m Final Tax Roll c d E z 0 Q Packet Pg. 1792 2852231 M: 2886 PG: 3041 coum mm, n 00 is C1 nm omm mm amm it tie ornem nmu if 1. u0n, Cm Olu ZMA ins a arm 15.0 W-.35 1.75 THIS SEOOND M1)RTGA0E CSS=KY ftUMOW) is given on AL9 2001. The SWOFW Marlow fa: PedroR. Rwnimz A Mbf" Lopez CID RWnImz Hu@bwd WA Wife 0011L�r — 41-W ('Borrower]. This Secutity Instrurrort Is givento "g the jaw afthe United Son of Amerfog, and whoijaddrese is solo j mkmrtl& oal 340H - Borrower owes Luxlerthesure of two "W"am nve amm WO mule vsk- ann 3,522—des a. gvkWxmd by Borrowers Nola dated the mm date 09 Vft SMft Iroinxned (-jowm Moripp% which "Nim Wflumvidy prporft with the ho debt. 0 not paidowl ier, due wW payable on -( 1114140 Of 2n@§L1Z- 1621mmme- 91 Iola vw� ots . This Ssmity koirurrord secure$ 10 Ler0jr. a) on mpWnwA of the debt w*Wmd by ft 112221*0 4 - sonnood under persoreph 7 NoWvM*i&-gt mWaff im1p**AnsiomwdffWdt"dom(b)ftpayff*Mof'AO#wvfflmwM' ' to protect #0 eeotr44 of the Sectirity kattmurit No (c) the pwWffnwvo of Borroweell cOvsnWft Ord 8W"Twft under this Security k*k~ and ft Note. For d* PXPM, BW(mW dots herft $*COW MWOP' oferd and cw" to Lander ft MIDIN rg ftwrftd propaty located Vt 0034LOT CoLoity, Florida. As more p&-O&Asrly descritod as Lot 9. Moak 14. Naples Mawr #Adkk^ Cc" COU*, IFIOV and which hes the address of (-Propstly Addimmeal: ft now or hereafter erected on the property. and am esserronts. rigift wpxWWCW mwft TOGETHER WIT4 orhweWWaWoltepoopoiy. AOmpkmmwft '. ON arid on A=:*PW1W*11-=K-s1@r rights and dock and so fbftm now and addNWrs Wftboc=VWSOmv*ywwnmmt Ala the kmgwgi$referred toinMWSWUMyk*Mgmtuttw'PMPW- COVVA*Aq Wfoww is Wwf* mind at do estate hereby corwayed are has the flohl 10 MWOOD, Wank and Comsy the Pimply erld Not the MoValy is uroncurnbered. .NOW Im W%CW&WW04 at record Borrower wwmft and WO dIW4 omm-Y flu otilo"Oropittlyspiroisit r- varisfim by TWO OBOURITY INSTRUMENT coorbirms L0160,111 COMAKWO for na*xW use and rion-wilorm comwft Ikruaed Jur'-d , to constitute s unlornn 991%1* it"OU11011t COW*" real ProPerty' L#MtOMOOVINANTS. Borrowersvou covaenl 1. PON" d kwid" Sm Old Los Cherps. Bwmww " PmFTOY M wren do the P of and kaeraat an the dab rAdwmd by the NOW. prior 10 the scauffil of WN Pwwfts kaNad 2. Too& The Marlow am fret&N taresammeivroft lower Wits or water fame I " I The MWOW WO Pay or cause to be POK a *4 mm respectively bsconts due, (AXI) AN Wm and OWWWWO Chdro" Of WN MWslose.,g aheives', kcurrodarkrooe*dfor 80 OPIA I" m'*#AWWW*' Lee, occuper", uplospeodirmproverrordallhe property.ord WjWujV t# peld in irwaWnerse am a period of yews. go Marlow shelf be (3) d sisomma at Other gwjwmww dorm vot MOY" abloswwmwvwwbrlgopioprey ormm lobe peidoWsuchiottlibnerits sm we ql' - lobe paid dwftth*Wmd go MOOPP. and atri, .MrwepWM of OW d go fangairig. laromid IoWqW@ L141M '- qvWWm at such psynoft ----dPw --Ilaw WwAdme of erwim elf pr yrroft received by Lander shell be applied prat to 'moft h 10 any Im charges due under do NOW. fs,,dWp@, firm andirripoOM OWbAWA 10 to property which may LW& am owm tgoit pay Off M%W messinen atlaN igga and fesselmid psyrroft ororatjtd refft if &ny. Borrower OW promptly furrfth to Larder 011 rroloes of metift to in paid under this PW8W@PK Old 81 M01100 OMVCWV the MMW*L eaeaNier attar 42,21 0 priority ow v", security knownett urdesa Borrower. (a) sprese in wrlift to dkch&VO any Nan which Im ibytat Nan in W-WINcept"10 ingood bath doseen by. ordla all *0 011110merrore Of " UK or (C) from Jim- which inthe Lsr1d9ft DOW v"Ont V NLWWW -- - votany iort fraygive9mowma W11 10100#411101m to mulmiffid 10 a watch may mismin F*4 &W " Security Ms4lrngal. Lander iltftp a ken whici ;q;qvm YAW or Whe ore or more of *0 actions so lom Wolin 1"W mornmor mat'orhmeohwwotWdonftPmpoly' u L- MMUM Bomm shall keep #0 k-4x -- I �, 1110011 � g floods or 06 for -hial Lerde, ured wmk� the "m 10.68 IN Oak 9 1 and &V oth 0 Wores, #*swam Arld for per" ON'Lox* I11111 wu__ ow be "NOUNWO in --totmotlywithimm momitim " be chmm by Borrow" vAW to L@rWW& IPPMvW which IM dw^ Lander may, at LwW@ft op obtO coverage 10 der gat rights in the P►opoty In accardilme viiMrdomfted to Marlow " noirtsin Irourstroboo, to the prwr&n agook such A d Vmn OW the Note is WWWWWO i msMr &TAU" 46 SM PAkWFWNY kourod apk* and pay. as the 8WrW 11111101%. am 1Fa. .0 In F therelo. 11111110, Sam rom 1100i snow Im or 11 o to to Pranfeaa bwkm*% ballot 10. smdw kwimice protec" the Iniereft of the Marlow &IA . . I . . . 6 ft a- — & U11"I I and War OMM" QmWm* kmmW spirist (Ircluding baler O*bWm 1 *0 11A F, R' r I Imfuding doft re"OW cwmmp. Such Insurance at am those to be in on „sea rr ,�ese then g and fourld0lom moflpapt clause. Larder OW lewdARirIlYaaroeUK! Imams" "be SOON*" 10 Lander and OW kmCcludee a I M Lander re4uht, Borrower I Warrq* oft to Under all ncalDft at PW P*mkm ard rsrWeat nolce tothe ir" carrier, ww Lander. Lwdw may nolm proof of loos I not made motlia, m*4 OWN of lose,I NOW SWOO in WMg. waggrm Proceeds " be applied to, resionfion or repeir of to property LMWK and Borrower COW" vo or repair Is not mft* jetoilft WO LsmW* security is not Isessrod. if restoration 1100tipfAaa or repair is ecor d Security IWW ISO* or Lenders security would be Watered see WOUMM d Proceeds do be applied to the am securemby to om* w" 30 do" NOW IL ploffog or no w Odue. with Orly GOM Patti 10 Borrower- N Bm-cw*l aberd" the Property,Of dagan 1, oil mft has Offered 10 NO 8 CWM OW Urlder may COMM ft kWM= Poctieft UMXW rroy use a flift lot 11111111d"i" by *is S@mWjjy kovsv" whether or nal tim duL The 3D-ft Period jiwoof "PropmAyarlopsysurmeswed F, ftnoomitt ' Lmm Lodermw earroweradmimiss gem I■nwrlllrq, ariyapplimmilond 4 ' shell not W ;Tgo B, I of Wpunts. I under Wagreph dr pWow flu due date of to nianthly pgynwft referred to in peregraph i of doev 00 NnOt" Of ft . Borrower's dot 10 any kourwice policies and Woosedmi resulting from dwnW 10 ft Property Prior 10 W --jeflitifLitedbyLOWK, 21 -1 I'll — fi.prr I ---&- toeriaa No exlent 1011 go suns secured by Oft S*Cuft kwiurrient odimbiv priar to 00 WQUWMM §OrrWA*ft LAWII 1=601=11111111116 Borram ow am Protection of the bdy days aft go Security Wavurmt &W ad use the Property U BWMA'ees p resiclove w" 0 mmy. unite LwxW the Property se SWVAWS F i far at West am Year NOW Ift 4:11111110 Of OCCI which we beyord IN" " 96 "hid 411,011 not be wwom&** Withheld, Or Wh" *dsft**Q cimmmittrlase mW shednot dt,00Y.,- 0- orWW&the Property, wow the Properly jo deteriorate, 1-1- ornn Nw"wonft dOrroelot'l Borrower mmingwhether obit Orclir, Is bW M in Lender's good IsIth mm-arLender's -1111V in forbiture of So Prop" or 0141 pmvW in Paragraph 18, by caus" ft WdW Or PfO=Oft 10 to mW an such a def" seed f**W. 4 ke ry or COW materWl "go mcuft Wftle& Borrower *0 Wso in in cisfoult 9 Rol 0 Mm greeted by ft SOUK" kwbWn" at LandersI ! govem'"sly fIliescri t—with PWM 1 the ban midem byte Note. including.but not " Packet Pg. 1793 0 0 C 0 CD LO LO Q N 0 CD E m 0 Cn U) U 0 0 CL f � f OR: 2886 PG: 30 16.D.13.k d ifte PapaAr M a pdrndpel reaidarwa. if this Security instrument le on a leasehold. Sonower MW 001 y with all fit provision a fta low. M 0-11 r So*" Me Mite b Ma Property, the baashold and rr In Oft WO red worge union Under @prat b 1M merger In wrmna ?.'fAMerew a Landes r4ft in the Pr"NIV N Barows faits to perform the remit and atraan - trortalrrd n tfub SeotrMy Instrument «fine is is legal prose ft alai msy elprAcaatly affect Lenders rights in the Progeny (such as a procee I In banicrtuploy, prd * for condemnation or lorisism or to onkm levee or roguletlore). then Lander may do and pay for whitens Is necessary b protot the 1lakle d hew Property and Landers right inthe Property. Landers actions may ncdude paynt any awns soared by a Non which Itae ppplly enter rla gaOurNy nMnxrnert. appaaing in court, paying reasonable atformys' fees and stsdrup on tha Propsrty b manta nspsks ANhiugh LwW* may take adlon► under ale paragraph 7, N Lander des not hers b do so. Any amarMs disbursed by Lander under this paragraph 7 shellbeoonte additional debt of Borrows seared by tits Security WsVwn@ M. Unless Borrorwr and Lander agree to cow IN d peyinetl them amarMa site boa ktasot from the dola d 00OWesM at the Not rani and"be payable, with kteest, upon nose from tender to ft owar mquadng pdtymar t & M lb#% a Wam anom. M LandLandernqul mortpaoe kaunna sAlla twrt 1 ' r d making the ban ssawd by rot Security" n erll go gm ahaM pay the pr« mums required b wai Lain the nnortgegs Insurance in alled. N, bray neasorw the mortgage kusurarwee oeveage re *d a by Lander tapes or ceases to be in affect. Borrower sMe pay the prerniuns required to cbtan covW P mAWWMy eptnt l0 its mate g neurance previously ineffoc, at a cos GWNW 4*y eaulvalenl b tit cat b Sor►owe d the awntgate iflatrance ,fw preveusly in efact from on allenme mortgage insurer approved by Lender. it subetntley agriwlerM morlpape ktsurarnce c°verape Is not svWebb, Am-m , all si M pay b Lender each m mil a sum equal b erne IwreNlh a tit yearly mortpepe kruraruoe premium bring paid by Barows who► rt Ineranoe coverage lapsed or comsod to be in effect. Lends will accept, use and rein these psyndrit 1114 lose reserve in IOU 01Insurance. Loss reserve payment may no brge be required M as option of Lender, N morlpMP kwxw a covemp (in the wn*L" and is Ile pabd Mat lender requites) provided by an insurer approved by Londe span t r ' ' - avaifebt edl i$obtinad earows eftell pay Ile preruknN reprred b rrnakMakn rrnorpleps irwarsrwce in affect or b pnovidt a pas reserrre, usual the requirernam for mortgage k W&M ends in accr rdartoe with any wrttlet agnened betwoer Sorrows and Lander «applicable lee. !. Il -p 111ert Lander or No agent may make reasonable entitles upon and inspections of fit Property. Lender MW give Borrower notice at rr &M a «prior b an inspection specMyng rosoanable arose fo tit irnspecfa► r to C011/esnMlerr flaps proceeds a any award «cWm for dantagse. deed o comegtwt ok inatnrwsctln wilh any r n r' lit li n «other Wdrp a any pet a tl►e Prep�irly, o ion eorney — n You cicondwww AWm are tweby oseigmd mnd site be paid to t under. into swat a a ttttd tattdrng a the PropNly'"'prooese "be sppYed to the sums secured by this Security 1nsi m - whets or not then dt». with any erase pod b Borrows. n Me " a a pis" taking d the Property, n which the tar market wveka d free Properly ktrrned M* bek" ttta lla tg Is egad to «greats Mai ate mount of one awns secured by leis Security kytnrne t kmrdety hose the taknp, unless rernowmr OMLnda eWewin agree in wrOV. all .urns secured by leis Security, knau wit shW be mi umd by titm mDwM of the proceeds 104w,by Its toMotttrtg frecron: (a) the Ittd amount d Me sum secured Wwdd laly balm tit tang, dkrided by (b) the bit morkM vein rifle- YlNtssdaMly fhelore to bift Any balertce dW be paid to Barrows. In the event a a petal Uknp a the Properly in which ? fit twill voka d the Properly nnreddd* boon the taint is lose than the Mnouni of the awns secured MnrOd Nit for the takft tarlstreftwrdr and Lands nfwwW agree in wv tp a urlses appYcabla law afterwa' povidso. Ma praaeds ahaN to spored b Ma sums atlalred by tide fbo^ kWnnwd whether or not the erns are then dus. Unless Lends and Borrows ortenw I sW" in wmftp any eppMoaMAn a peoeedm b pnkncipM *a not emend or postpone the duo dots of the monthly paynwts referred to In paatraphs 1 or change n the a oui t of such paynmrte 11. fMeawr Not Ratswd, Panbaaranam w Not a Waive' Erdension d fit ikns for pmpmrt or 0 PIP, Ill d aittararefu.d w r" a oured by this 8earNy MWnrrMntjr~ by Lender 10 any arcceeser n kteteM a Borrower MwaM not spent b aanw Iblwy 41 lads WOW Bonowaa Ba r rowa't suoososat In kteeM Lender MW not be required to core m pnoaewngs a�rkMb any elaoele« n kfeeat «repass b edetd tin. bit payrrwtt «dheww modMy arartlalalbrt a foe arm tarred by fps Sexry kuktawat by sewn 4f any dw -nd made by the oripnal Borrows of Borrowers successors In ktesel Any m"Wartce by Lends n .y all tarrnsdy shah not be a wdvsr a of pm* de fin �tre I d any right or air". and AeMI- - Bswsdp Joint are Mwrai LWwlty: Co�figrtsn The oorerats and atraerwta a this SearMy, it 0 Mtd book the sucomems and Mips Of erN,,Barows. b the 17. Borrowers covewts and apnernNit ihrM erred sevaaL Any Borrows who arMpets the Security _ Mleklnt R UNNlsnn rest a mine to Nee: (a) is 0*4ip g rle Orly, to ffw*W. gro t and convey flat Bornowvers ktssat albee Mt�r rfe Mmtt a the Sea+rNy InNnrrwt (b) le not PMsonM�Y d MgWd b pay tit swan secured by rlt Security babunst . And Lame and any ode Borrower may mono b steered modlh. o make any acaormnodMbrus with regal b tit tsrrrws d she «119 Note we without 00 Borrowers consent. .; IS6 01 N to ban secured by this SoMity nennwt le ad#dM b a law which oat natdrnm loan riwargas and m.t r 1MMr t dry InllfpeMd e0 rtat rn Irtenset «.her k min dwgse coreded «to- cweeded n cerrnctlon with lee ban arced fit pemuNlad r j 1�N,1 Mli aa1111�y► hush loan deg. dW be reduced by Me anwurt n��Q � dWP b the p mmw writ and (b) sny sums A�,LIAIA Llan4wler tNlch speeded pernlMied wrtb wile Os raturded b Btlf►dwaf• Lands may choose b retake this rekrd by 1bM e1Med under Me Noe or by me" a died paymst to Botrotsl► nlurnd redurees pxinclPaL the reduction will be wany prsp%"W drape unen the NOe. ' . � Any nafte lMb tout Borrows provided for In his Security iruMrtrrnert mho a given by deavanp it or nWwp l by" par n- taw squired use d another nNllad The notice shah be dreefad b the PropMY Address or OW other address i0g0e w .. by notice blander. Any nonce b Lander Mbar be given b Borrows «Caller when gtveu se peaked n rue paapepR ` Lilri Bawnbwty. This Security NOW 0 Mnoll be governed by I I law and to law of the Jurisdiction in which to enter the any provillm «clause a tfle Security wbtrnnrt all rive Neu etrlret wan opplicebb law, such a m provisions of fie Soc rly Instrument o the Nola wild► car► be given wlthtwa fit lwrweeWp provision. To rue M1d .#MNew aft tZaP will tbe 991W or�oa or oopyy a lh* Nolosnd a ' nt . 11�MMMIM titter P "wig a a BstsMobl frtteneI in Bsrevrer. ff ale or any pant a fro Property orany kterea n m la sold or j it �nrtellolal krereet in Sorrows is sold «Uwlered end Borrows in not a nature p wsw* without Landers prior weft N led mble option, require' payrnet in fur d all sums eared by this Security nit l ltow.we. rls option aW AM pier, N onrobe le prol t" by erenat law so d fit dMe a rlt seamy rrtnrnnert i NppLit lei sprat, Lends shatl give Borrows nwdoe a senior ilon. The rwtice Mull provide a period of not loss Man 90 days AarOa b deNwred at wMhn which Sorrows mud pay all tine secured by ale Security Instrument M Baroww bb to rt pfi01 le tot espkaeion d this pe" Lerner may kwdts any rerradlan pandas A by this Security kWeumat wvIll form .' Nt00aa m rraa+;Iwtad �a ` :ia :w _ _ all" dwglair p«:mAwa:(da no#wporioaN.pvkeWbwmayops*lw "a d the Property gxarKt b any Power of sale contained In Mla Security nsbumm « (b) entry d o o nort kntrutwt Thaw otrndmians are phi Borrows (a) pays Lender all arm which him would be dw► undo rla Secwmy as N no eoosleretlon hed occurred: (b) arse and debuts of any al ar covenants «etrwnwetls: (a) pays is erg u^ ft 11wu* Instrument, nckm ft brew red rrruMed to rsuornmbb altorrtsys low and (d) taker aph soon as Londe nttay seers rut the ten d ale Security nakurneM. Landers right n the P opuny and Borrowers tlbrgdI b pay the arm ' a;.:AMtNaIK ktebtrrnet air awa m uncharged. Uw. fit pon reYtwterwrt by Borrow. SSW* Wool Ulnpt Ind" abMgeraws r it ell rwrlan krMy efeotive a N no acceleration had occurred. However. rls right 10 rekWMe Sher rest apply n rr rasa a i)MAgraph 17. f NAMt ChrrlOe 41 tAa1t tervloer. The Nob «e pataal kteset n foe Nob (logsrw with this Security naknrrm* may be mabd 4til��ikimtirt► Iffin without prior notice b Borrower. A satd in may result a change inrm the ay (known m the Im Sevbsy the od-* nteaft do under fit Nole and are & amity kwstru m t There Woo may be one or as dnat0 - of the Loan Suvber lrtatlNlMdtp a roe Not. N rwere la a charge a fts Lean Sevilla. Borrows will be given wibm snorts a rre Mtmrtpa n eccadsrwa with F I l: appl** low. The snore willstate fin mnrne end eddrses a all raw Lan Sevier add fro odMU to which paynwts The nollo s will abo ooran any cam W armNon required by applicable law. BlMIUmea. Wows shell not awe or pWW the preesrtce, use, Opoao, t W gel a Mbsoe Of any fiatrandous trio Properly. Borrows 00 not da nor allow anyom On to do, arrivthkp eft W the PIOMly that is in v60"m Of any This Irroedkp two serapes shell not Wpy to the presence. use. or storage on foe Property a mrr quatrte all flit era geerally ncopr ' lobe mpproprtata b normat neidertiM urea and b matrenana a rr Propa+y. 0 u) U) 0 N N M 0 J N i E O Cn Packet Pg. 1794 �e x ! wv.OR: 2886 PG: 3 1ti.D.13.k L�rtdsr w ma now* for any kwasMgs"I, cwm demand law" or owW scion by any Ooverrsriarbl or Mls p•�n Mvawq MM Properly wrwl way HoRwrdow Bubstam or ErwkmrmnW Lowy d ~ Bafows hwa wW leonx. a Is AN I by any gownwiW or rsptrlMory widxwNy. Mal WN rariorM or owrattsdsMon d av MMeMrrO to Properly Is nw eemy. Borrower 00 prompt* Wye sM rxcasssry rarNdM actions in oe r g I ' Irot v Mh Z0, 'Nsmdorrs 8rrbgwme an Omm substarresa dswnad w boric err hamftx a 6daness by Ew*a ffa" Low quoins, ksmww aMw Marrrrrabb Otto* pskaMrrn Products. lock pssticidss and lwblci P v0b" Ot11MMIWip asim" or fwffw dslryde, and .• Ae used in hob psrapsph 20, 'EnvkannaW! Law' mean tedenl Mws and Wm d Mr prhddkrr whas Mx Prgwty is t10 lrsawa aahrty or awlrawrweal paMeMon. !1. AMAMrt�elli FlewledMs Leads atoll Give ndka a Borrmw prkr to accaNraMon i0fti rp Borrowers brasI of any covaisnt err sOreaMA >hIR tltotrMy krslnrrwrM ( no PdW bo aooel &*M under Panpraph 17 unless app:osbis ww pov" aMxrrr Is The Ilo ee w W MM detains: (b) der action mquksd to cure to do"- (c) a dais, not lets Man 30 days from MN Me Me notice W Ohan b t M1w dshi/t moat be cured and (eq MM kWura W c ors Ms datauN on or bsbn IM dw apedMd M► Ms nolia map rM M N aM►M ssarad by hob Bear" kwvwnant. tired nn by prdbai P►ocasrNnO and eater d the Property. TherroMct shah 11rMMlr d Mrs f" 10 akWets ans womraoon and the r" ..amen in the andoarre procaa 4 g the non•erasterrca al a ? UMr+M awpower to aocsbradon and areclosurs. n the d"* is not and an or be m tho dab apacined In 00 roMca at ' AM► tsgt/re krrrredims poyawt In fu1 d al Bums secured by nrie Somity kxturrwr wM mut k w damand and map kwnrnent by Nddsi pla m, cl 9 Larder shaM be wtibd to coMsd me expenses krwr W in p xsubV ft rI disc 81, kxkx rq, but not NnrMd 1% rsatorWft sownsys fees and comb of to We eftwi • Upon pwynwM d al sums secured by Oft Somm" WdVwnsrM. Lender MaM rsNsn hob Swu ft knbtrrMd, wMhoul otrrearer dW pay any recordmilon costs. in Hit SscurMy kwrurwo and Mrs Note, 'attorneys' ties' del inckda sny a wnsyw im awarded by ° FaM. � uwd ' r M kIMf11NR M one or mors Mom art usculed by Borrows and recorded lopallw YrIMr His Searllr m PIKand d each such rids alww be kwwrW Md inlo and alxM anwrd and suoWnwd the co n ft and diilM lw0irMy 9 Mx ridsr(s) wee a pat of ft &osky kW wnwL (Chock Applic" Boy) m o Aowlshls pale Rider RNt Womw rrwM RkW Corrdorr k*n Mar c tlktluoMd PW wi FWw 1d Fw * FMds Second Horne Rider c 1wN00n IAIdM 4ileew Paytrwrt Rids Planed UM Oaysiopnxd Rldsr u ro N MOf" OlLaw. no owe, axspts and sprees b end oowrw to cortWned in hods Soc rky kWnirrwo and in any ridsr(s) erxcubd rn Ih►13ouosrsr and remad sd with C _ in ft d. t LO LO >`.�r? s,, �, tNenews Meese >R. ltssisN its N 8a >Rwilwat J � � '"� e';5 • GN7 �L Adrkease 5134 ta"&* street E Sri-<NRIaIiN, f egiAa 34113 1 N an MYs day. belon ms, an aft d* aulhorizW in stye and in Mr cant* lass aw a take 0 ly aOP Wwwn a be Mr psraar(s) daalbad in Y h0 YWnrrW and adM=bdpsd bloc true V* (Flat"May) r ewrrx for Mier purpose Mweln m c _r E F �1F> tll(f1 Mrtd elW wel in MN CarMy and SMI* MomfessW of j- R / � Y ,/I/.ate.,/% tizs-� a I Packet Pg. 17951 Collier County Property Appraiser 16.D.13.k Property Summary Site 1 5434 Site Zone Parcel No 62103080004 Address HARDEE ST Site City I NAPLES *Note 341' *Disclaimer Name / Address IRAMIREZ, PEDRO=& MARGARITA 5434 HARDEE ST as City NAPLES State I FL I Zip 34113-7811 a ap No. Strap No. Section Township Range Acres *Estimated 20 5B29 507400 14 95B29 29 50 26 0.19 0 c 0 Legal I NAPLES MANOR ADD BLK 14 LOT 9 0 N Ila a Area a 108 Millacie Rates a *Calculations Sub./Condo 507400 - NAPLES MANOR ADDITION School Other Total a Use Code a 1 - SINGLE FAMILY RESIDENTIAL 4.889 6.6608 11.5498 3' Latest Sales History (Not all Sales are listed due to Confidentiality) Date Book -Page Amount 09/05/01 2886-3036 $ 59,500 08/29/00 2715-3031 $ 36,000 09/10/90 1557-1265 $ 18,800 07/01 /90 1546-1372 $ 0 0 2021 Certified Tax Roll 0 Subject to Change)N Land Value $ 112,3; a +) Improved Value $ 82,21 OF (_) Market Value $ 194,61 (-) Save our Home $ 134,6' (_) Assessed Value $ 59,9! (-) Homestead $ 25,01 0 (_) School Taxable Value $ 34,9! y (-) Additional Homestead $ 9,9! o (_) Taxable Value $ 25,01 °. If all Values shown above equal 0 this parcel was created after the 3 Final Tax Roll M m c d E z c� a Packet Pg. 1796 2815957 OR; 2846 PG; 294 16.D.13.1 RICOIDID in DIFICIAL RICORDS of COLLIIR COUNTY, 06/22/2001 at 07:21AN DNIGHT 1. BROCI, CLIII OBLD 2500.00 08LI 2500.00 RIC 111 15.00 DOC-,35 8.75 INT-.002 5.00 XZV= MORTOACMtO: ISLAID TITLE GOAWT1 AGINCI I PIC[ UP THIS TiAAD MORTGAGE ("Security Instrument") is given on ¢June 15, 2QQ1 The T! kiMortgagor is Damacene Relavie and Cemene Relavie, Husband and Wife Borrower") This Security Instrument is gives Collier County ("Lender"), which is organized and existing under the laws of the United States of America, and whose address is 2800 North Horseshoe Drive, Naples, Florida_ 34104 . Borrower owes Lender the sumof Two Thousand Five Hundred Dollars and no/100 (U.S. $2,500.00 ) 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, 0 not paid earlier, due and payable on sale of property, refinance, or loss of homestead exemption . This Security Instrument secures to Lender (a) the repayment of the debt evidenced by the Note, with interest, and all renewals, extensions and modifications, (b) the payment of all other sums. with interest advanced under paragraph 7 to protect the security of the Security Instrument and (c) the performance of Borrower's covenants and agreements under this Security Instrument and the Note For this purpose. Borrower does hereby second mortgage• grant and convey to Lender the following described pro patty located in Collier County, Florida ------ As more particularly deseri - , and which has the address of in 701 Habitat Center Lot 18, MISSION VILLAIM UNIT TWO, according ("Properly Address'): ( - .,-_s > •• � to the ,at thereof, reoorded in Plat Book d Ples,,,XL 14142 18, Pages 27 and 28, of the Public Records of � Collier County, Florida. o TOGETHER WITH all the in provements now or hereafter erected on the property, and all easements, rights, appurtenances, rents, royalties, mineral, oil and gas rights and profits. water rights and stock and all fixtures now or hereafter a part of the propertyAll replacements o and additions shall also be covered by the Security Instrument All of the foregoing is referred to in this Security Instrument as the "Property" r_ BORROWER COVENANTS that Borrower is lawfully seized of the estate hereby conveyed and has the right to mortgage, grant and O convey the Property and that the Property is unencumbered. except for encumbrances of record. Borrower warrants and will defend generally ; the title to the Property against all claims and demands, subject to any encumbrances of record @ THIS SECURITY INSTRUMENT combines uniform covenants for national use and non -uniform covenants with limited variation by N Jurisdiction to constitute a uniform security instruineril covering real property. ip UNIFORM COVENANTS. Borrower and Leitde[covenant and agree as follows rn 1. Payment of Principal and Interest t ra4JF itfmint and Late Charges. Borrower shall promptly pay when due the principal of and a interest on the debt evidenced by the Note 2 2. Taxes. The Mortgagor will pay all taxes, Alssmenik sewer rents or water rates prior to the accrual of any penalties or interest thereon. The Mortgagor shall pay or cause to be paid as tipie sa4respectively become due. (A)(1) all taxes and governmental charges of un any kind whatsoever which may at any time be lawfully assessfed or: levied against or with respect to the Property, (2) all utility and other c charges, including "service charges". incurred or imposed for theoperation, maintenance, use, occupancy, upkeep and improvement of the Property, and (3) all assessments or other governmental charges that may lawfully be paid in installments over a period of years, the Mortgagor (D shall be obligated under the Mortgage to pay or cause to be paid only such installments as are required to be paid during the terry) of the .5 Mortgage, and shall, promptly after the payment of any of the foregoing; forward to Mortgages evidence of such payment ra 1. Application of Payments. Unless applicable law provides otherwise, all payments received by Lender shall be applied, first, to � interest due; and, to principal due; and last, to any late charges due under the Note 4. Charges; Liens. Borrower shall pay all taxes, assessments, charges, fines end impositions attributable to thillroperty which may attain priority over this Security Instrument, and leasehold payments or ground rents, if any Borrower shall promptly furnish to Lender all 0 notices of amounts to be paid under this paragraph, and all receipts evidencing the payments. rn Borrower shall promptly discharge any lien which has priority over this Security. Instrument unless Borrower (a) agrees in writing to uNi 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 O 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 hen to this Security Instrument, if Lender determines that any part 3 of the Property is subject to alien which may attain priority over the Security Instrument, Larder may give Borrower a notice identifying the hen Y Borrower shall satisfy the lien or take one or more of the actions set forth above within 10 days of the giving of notice R S. Hazard or Property Insurance. Borrower shall keep the improvements now existing or hereafter erected on the Property insured m against loss by fire, hazards included within the term "extended coverage" and any other hazards.' including foods or flooding, for which Lender requires insurance This insurance shall be maintained in the amounts and for the periods that Lender requires The insurance earner er providing the insurance shall be chosen by Borrower subject to Lender's approval which shall not be unreasonably withheld If Borrower fails to E maintain coverage described above. Lender may. at Lenders option, obtain coverage to protect Lender's rightalAri the Property in accordance L with paragraph 7 At all times that the Note Is outstanding, the Mortgagor shall maintain insurance with respec,)to the Premises against such y risks and for such amounts as are customarily insured against and pay, as the same become due and payable,4111 premiums in respect thereto. Q including, but not limited to all-risk insurance protecting the interests of the Mortgagor and Mortgagee against IOsor damage to the Premises by fire, lightning, and other casualties customarily insured against (including boiler explosion, if appropriate), wjtfl,A uniform standard extended coverage endorsement, Including debris removal coverage Such insurance at all times to be in an amount not less than the lull replacement cost of the Premises, exclusive of footings and foundations All insurance policies and renewals shall be acceptable to Lender and shell include a standard mortgage clause. Lender shall have the right to hold the policies and renewals If Lander requires, Borrower shall promptly give to Lender all receipts of paid premiums and renewal notices In the event of lose, Borrower shall give prompt notice to the insurance carrier and Lender Lender may make proof of loss if not made promptly by Borrower. Unless Lender and Borrower otherwise agree in writing insurance proceeds shall be applied to restoration or repair of the Property damaged, if the restoration or repair is economically feasible and Lender's security is not lessened If the restoration or repair is not economically feasible or Lender's security would be lessened, the insurance proceeds shall be applied to the sums secured by the Security Instrument. whether ur not then due, with any excess paid to Borrower. If Borrower abandons the Property, or does not answer within 30 days a notice from Lender that the insurance carrier has offered to settle a claim, then Lender may collect the insurance proceeds Lendenay use the proceeds to repair or restore the Properly or to pay sums secured by this Security Instrument, whether or not then due The 30-day period will begin when the notice is mailed. Unless Lender and Borrower otherwise agree in writing, any application of proceeds to principal shall not extend or postpone the due date of the monthly payments referred to in paragraph 1 or change the amount of the payments. If under paragraph 21 the Property is acquired by Lender, Borrower's right to any insurance policies and proceeds resulting from damage to the Property prior to the acquisition shall pass to Lender to the extent of the sums secured by this Security Instrument immediately prior to the acquisition. 6. Occupancy, Preservation, Maintenance and Protection of the Property; Borrower's Loan Application, Leaseholds. Borrower shall occupy, establish, and use the Property as Borrower's principal residence within sixty days after the execution of this Security Instrument and shall continue to occupy the Property as Borrower's principal residence for at least one year after the date of occupancy, unless Lender otherwise agrees in writing, which consent shall not be unreasonably withheld, or unless extenuating circumstances exist which are beyond Borrower's control. Borrower shall not destroy, damage or impair the Property, allow the Property to deteriorate, or commit waste on ccbt5. wn 1 Packet Pg. 1797 OR; 2846 PG; 2943 16.D.13.1 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 Properly or otherwise materially impair the lien created by this Security Instrument or Lender's security interest Borrower may cure such a default and reinstate. as provided in paragraph 18, by causing the action or proceeding to be dismissed with a ruling that, in Lender's good faith determination, precludes forfeiture of the Borrowers interest in the Property or other material impairment of the ben created by this Security Instrument or Lender's security interest Borrower shall also be in default if Borrower, during the loan application process, gave materially false or inaccurate information or statements to Lender (or failed to provide Lender with any material information) in connection with the loan evidenced by the Note, Including, but not limited to, representations concerning Borrower's occupancy of the Property as a principal residence If this Security Instrument is ore leasehold. Borrower shall comply with all the provision of the lease If Borrower acquires fee title to the Property, the leasehold and the fee title shall not merge unless Lender agrees to the merger In writing 7. Protection of Lender's Rights in the Property. It Borrower fails to perform the covenants and agreements contained in this Security Instrument, or there is a legal proceeding that may significantly affect Lender's fights in the Property (such as a proceeding in bankruptcy, probate, for condemnation or forfeiture or to enforce laws or regulations), then Lender may do and pay for whatever is necessary to protect the value of the Property and Lender's rights in the Property Lender's actions may include paying any sums secured by ben which has priority over this Security Instrument appearing in court, paying reasonable attorneys' fees and entering on the Property to make repairs Although Lender may take action under this paragraph 7, Lender dues not have to do so Any amounts disbursed by Lender under this paragraph 7 shall become additional debt of Borrower secured by this Security Instrument Unless Borrower and Lender agree to other terms of payment, these amounts shall bear interest from the date of disbursement at the Note rate and shatbe payable, with interest, upon notice from Lender to Borrower requesting payment S. Mortgage Insurance. If Lender required mortgage Insurance as a condition of making the loan secured by this Security Instrument. Borrower shall pay the premiums required to maintain the mortgage insurance in effect If, for any reason, the mortgage insurance coverage required by Lender lapses or ceases to be in effect, Borrower shall pay the premiums required to obtain coverage substantially equivalent to the mortgage insurance previously in effect, at a cost substantially equivalent to the cost to Borrower of the mortgage insurance previously in effect, from an alternate mortgage insurer approved by Lender If substantially equivalent mortgage insurance coverage is not available. Borrower shall pay to Lender each month a sum equal to one -twelfth of the yearly mortgage insurance premium being paid by Borrower when the insurance 46verage lapsed or ceased to be in effect. Lender will accept, use and retain these payments as a loss reserve a in lieu of mortgage insurance.'' ILoss reserve payments may no longer be required, at the option of Lender, if mortgage insurance coverage (in the smount 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 i O mortgage insurance ends in accordance with any written agreement between Borrower and Lender or applicable law 9. Inspection. Lender or its agent may make reasonable entries upon and inspections of the Property Lender shall give Borrower C notice at the time of or prior to an inspection pecifying reasonable cause for the inspection 10, Condemnation. The pioclill of any award or claim for damages, direct or consequential, in connection with any p condemnation or other taking of any part of th Properly, 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 (a 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 rn Immediately before the taking is equal to or greater than the amount of the sums secured by this Security Instrument immediately before the y taking, unless Borrower and Lender otherwise agree in writing, the sums secured by this Security Instrument shall be reduced by the amount of rn the proceeds multiplied by the following fraction (a) the total amount of the sums secured immediately before the taking, divided by (b) the fair d market value of the Property immediately before the taking Any balance shall be paid to Borrower In the event of a partial taking of the = Property in which the fair market value of the Property immediately before the taking is less than the amount of the sums secured immediately rn for the taking, unless Borrower and Lender otherwise agree in. writing or unless applicable law otherwise provides, the proceeds shall be applied to the sums secured by this Security Instrument whether of the sums are then due. Unless Lender and Borrower otherwise agree inLO writing, any application of proceeds to principal shall not exten4ji5f postpone the due date of the monthly payments referred to in paragraphs 1 un or change the amount of such payments N 11. Borrower Not Ralaas id, Forbearance By Lender' Not a Waiver. Extension of the time for payment or modification of m amortization of the sums secured by this Security Instrument granted by Lender to any successor in interest of Borrower shall not operate to > release the liability of the original Borrower or Borrower's successors in interest. Lender shall not be required to commence proceedings m against any successor in interest or refuse to extend time for payment or otherwise modify amortization of the sums secured by this Security Instrument by reason of any demand made by the original Borrower or Bdrrowlt'3 successors in interest Any forbearance by Lender in exercising any right or remedy shall not be a waiver of or preclude the exercise of ep right or remedy. 12. Successors and Assigns Bound: Joint and Several Llabillty;.0 Sfpners. The covenants and agreements of this Security W Instrument shall bind and benefit the successors and assigns of Lender and Borrower, subject to the Provisions of paragraph 17 Borrower's covenants and agreements shall be )onf and several Any Borrower who co-signs this Security In Instrument but does not execute the Note, (a) is co-signing this Security Instrument only to mortgage, grant and convey that Borrower's interest 0 in the Property under the terms of this Security Instrument. (b) is not personally obligated to pay the sums secured by this Security Instrument: and (c) agrees that Lender and any other Borrower may agree to extend, modify, forbear or make any accommodations with regard to the O- terms of this Security Instrument or the Note without that Borrower's consent u 13. Loan Charges. If the ban secured by this Security Instrument is subject to�(`fiw which sets maximum ban charges, and that law is finally interpreted so that the interest or other loan charges collected or to be collected inconnedion with the loan exceed the permitted 00 limits, then(a) any such loan charge shall be reduced by the amount necessary to reduce thexharge 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 y reducing the principal owed under the Note or by making a direct payment to Borrower If a refund r uce% principal, the reduction will be £ treated as a partial prepayment without any prepayment charge under the Note - L 14. Notices. Any notice to Borrower provided for in this Security Instrument shall be given by delivering it or by mailing it by first r class mad unless applicable law required use of another method The notice shall be directed to the Property Address or any other address Q 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; 3overa illity. This Security Instrument shall be governed by federal law and the law of the jurisdiction in which the Property is located In the event that any provision or clause of this Security Instrument or the Note conflicts with applicable law such conflict shall not affect other provisions of this Security Instrument or 1hA4ote which can be given effect without the conflicting provision To this end the provisions of this Security Instrument and the Note are declared to be severable 16. Borrower's Copy. Borrower shall be given one conformed copy of the Note and of this Security Instrument 17. Transfer of the Property or a Beneficial Interest In Borrower. If all or any part of the Property or any interest in it is sold or transferred (or if a beneficial interest in Borrower is soli or transferred and Borrower is not a natural person) without Lender's prior written consent, Lender may, at its option, require immediate payment in full of all sums secured by this Security Instrument. Howevethis option shall not be exercised by Lender if exercise is prohibited by federal law as of the date of this Security Instrument If Lender exercised this option, Lender shall give Borrower notice of acceleration The notice shall provide a period of not less than 30 days from the date the notice is delivered or mailed within which Borrower must pay all sums secured by this Security Instrument. If Borrower fails to pay these sums prior to the expiration of this period, Lender may invoke any remedies permitted by this Security Instrument without further notice or demand on Borrower. 18. Borrower's Right to Reinstate. If Borrower meets certain conditions, Borrower shall have the right to have enforcement of this Security Instrument discontinued at any time prior to the earhorof (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, of (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 incurr0d in enforcing this Security Instrument, including, but not limited to, reasonable attorney's fees. and (d) takes such action as Lender may reasonably require to assure that the lien of this Security Instrument, Lender's rights in the Property and Borrowers obligation to pay the sums secured by this Security Instrument shall continue unchanged Upon reinstatement by Borrower, this Security Instrument and the obligations secured hereby shall remain fully effective as if no acceleration had axuned However, this right to reinstate shall not apply in the case of acceleration under paragraph 17 19. Sale of Note; Change of Loan Servicer. The Note or a partial interest in the Note (together with this Security Instrument) may be sold one or more times without prior notice to Borrower. A sale may rusult in a change in the entity (known as the "Loaiservicei') that collects monthly payments due under the Note and this Security Instrument There also may be one or more changes of the LoaServicer ccbo3ed wo 2 Packet Pg. 1798 *** OR: 2846 PG: 2944 *** 16.D.13.1 unrelaled to a sale of the Note If there is a change of live Loan Serviur, 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 LoanServlcef and the address to which payments should be made. The notice will also contain any other information required by applicable law 20. Hazardous Substances. Borrower shall not cause or permit the presence, use. disposal, storage, or release of any Hazardous Substances on or In the Property Borrower shall not do, nor allow anyone else to do, anything affecting the Property that is in violation of any Environmental Law The preceding two sentences shall not apply to the presence, use, or storage on the Property of small quantities of Hazardous Substances that are generally recognized to be appropriate to normal residential uses and to maintenance of the Property Borrower shall promptly give Lender written notice for any Investigation. claim, demand, lawsuit or other action by any goveriunental 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 olheremediation of any Hazardous Substance affecting the Property Is necessary, Borrower sha l promptly take all necessary remedial actions in accordance with Environmental Law As used in this paragraph 20, "Hazardous Substances" are those substances defined as toxic or hazardous substances by Environmental Law and the following substances: gasoline, kerosene, other flammable or toxic petroleum products, toxic pesticides and herbicides, volatile solvents, materials containing asbestos or formaldehyde, and radioactive materials. As used in this paragraph 20, "Environmental Law" means federal laws and laws of the jurisdiction where the Property is located that relate to health, safety or environmental protection. 21. Acceleration; Remedies. Lender shall give notice to Borrower prior to acceleration following Borrower's breach of any covenant or agreement in this Security Instrument (but not prior to acceleration under paragraph 17 unless applicable law provides otherwise) The notice shall specify (a) the default (b) the action required to cure the defaulk (c) a date, not less than 30 days from the date the notice is given to Borrower, by which the default must be cured, and (d) that failure to cure the default on or before the date specified in the notice may result in acceleration of the sums secured by this Security Instrument, foreclosure by judicial proceeding and sale of the Property. The notice shall further inform Borrower of the right to reinstate aher acceleration and the right to assert in the foreclosure proceeding the non-existence of a default or any other defense of Borrower to acceleration and foreclosure If the default is not cured on or before the date specified in the notice. Lender, at its option, may require immediate payment In full of all sums secured by this Security Instrument without further demand and may foreclose this Security Instrument by judicial proceedng Lender shall be entitled to collect all expenses incurred in pursuing the remedies provided in this paragraph 21, including, but not limited to, reasonable attorney's fees and costs of the title evidence 22, Release. Upon payment. of all nuns secured by this Security Instrument, Lender shall release this Security Instrurent, without charge, to Borrower Borrower shall pay any recordation costs 23. Attorneys' Fees. As used in Ihis Security Instrument and the Note, "attorneys' fees" shall include any attorneys' fees awarded by an appellate coup. 24. Riders to this Security Irlisitoiri it. If one or more riders are executed by Borrower and recorded together with this Security Instrument, the covenants and agreements of ach such rider shall be incorporated into and shall amend and supplement the covenants and agreements of this Security Instrument as If lVe Wells) were a part of this Security Instrument (Check Applicable Box) Adjustable Rate Rider ) - Riifeifmproyement Rider. ) - Condominium Rider > - Graduated Payment Rider k 1 Wfagtily Rider • ) - Second Horne Rider )- Balloon Rider )- Biweekly ya�tA - Others) (speclty SIGNING BELOW, Borrower accepts and agrees to the terms and i by Borrower and recorded with it. Signed, se nit livered In 1 presence of Witness deizi N I Wllness Signature:��Y34&Zk-e ( -C-14 47e Signature Damacene Relavie • Planned Unit Development Rider contained in this Security Instrument and In any riderls) executed I Borrower: Address 701 Habitat: Center - Inviolcalee, FL 34142 STATE OF Flnll COUNTY OF Collier I hereby certify that on this day, before ire, an officer duly authorized in the state aforesa 4d in the county aforesaid to take Damacene Relavie and Cernene Relavie ' acknowledgments, personally appeared _ to me known to be the person(s) describefi in and who executed the foregoing instrument and acknowledged before me that _HE ) SHE_ executed the same for the purpose thereidexpressed WITNESS my hand and official seal in the County and St aforesaid this ] day of .71 ine XK-2&01 My Commission Expires. j1,t4,il No ry P blic s I al�lr� LWano Fonts No ary's Printed Name WCOVAIM t Cc9171052 IxDIPt� is 9r*GniNrU IN'r 4.4 �4S17�N.4 ri ccbo3ed.wo 3 Packet Pg. 1799 Collier County Property Appraiser 16.D.13.1 Property Summary Site 1701 Parcel No 60205005507 Address HABITAT Site City IMMOKALEE Site Zone 341� *Disclaimer ,CENTER I Note Name / Address RELAVIE, DAMACENE=& CEMENE 701 HABITAT CTR City IMMOKALEE State I FL I Zip 1 34142-2944 a Map No. Strap No. Section Township Range Acres *Estimated 1E33 489100 181 E33 33 46 29 0.16 0 Legal MISSION VILLAGE UNIT TWO LOT 18 `o W Millage Area v 5 Millage Rates v *Calculations y Sub./Condo 489100 -MISSION VILLAGE UNIT 2 School Other Total Use Code O 1 - SINGLE FAMILY RESIDENTIAL 4.889 9.9108 14.7998 a Latest Sales History lNnt all Salac ara lictarl Am to Cnnfirlantialitvl Date Book -Page Amount 06/22/01 2846-2937 $ 52,500 10/11/00 2731-561 $ 26,000 08/12/94 1975-2033 $ 50,000 Land Value $ 17,0! (+) Improved Value $ 67,21 (_) Market Value $ 84,3' (-) Save our Home $ 35,71 (_) Assessed Value $ 48,6' (-) (_) (_) Homestead School Taxable Value Taxable Value $ 25,01 $ 23,6' $ 23,6' x 2021 Certified Tax Roll CO Sub'ect to Change) LO 0 N 0 0 a� 0 CO 0 0 a If all Values shown above equal 0 this parcel was created after the Final Tax Roll 0 00 c d E z c� r Q Packet Pg. 1800 2813645 OR: 2844 PG: 1781 Nth: t^' 1"M TITLI CORP 7 12355 COLLIII $LVD k UPLII IL 34111 RICORDID in the OPPICI1L HCOI113 of COLLIII COMM, IL OILD 04/18/2001 At 02:34PN D$IGU 1. $ROCK, CLIRK 0$LI THIRD MORTGAGE THIS SECOND MORTGAGE ("Securty Instrument") is given on JunlaA001 The Second Mortgagor is: Michelle Ross, A Single Person 11C P11 DOC",31 2500.40 15.00 1.75 ("Borrower"). This Security Instrument is given to Collier Cou_n_ty___ (" Lender"), which is organized and existing under the laws of the United States of America, and whose address is 3050 North Hare_eshoe Drive, Suite 145, Naples, Florida _34014 Borrower owes Lender the sum of Two Thousand hive Hundred and_No/30_0_the. DollarstU.S. 6 2 , 500.00 ). This debt is evidenced by Borrower's Note dated the same dale as this Security Instrument ("Second Mortgage"), which provides for monthly payments, with the full debt, if not paid earlier, due and payable on sale of pro art , -refinance, —_or lose of homestead emotion . This Security Instrument secures to Lender (a) the repayment of the debt evidenced by the Note, with interest, and all renewals, extensions and modifications, (b) the payment of all other sums, with interest advanced under paragraph 7 to protect the security of the Security Instrument; and (c) the performance of Borrower's covenants and agreements under this Security Instrument and the Note. For this purpose, Borrower does hereby second mortgage, grant and convey to Lender the following described property located in Collier County, Florida. As more particularly described as the West TO feet of the East 150 feat of Tract 64, Golden Gate Estates, Unit 68, Collier County, Florida and which has the address of: ("Property Address") 343-0, 29th_Avenue tn. , _ Naples,_ Florida _ 34120 (c,Y) ,:aM,l 12VI TOGETHER WITH all the iinlp 9L Is now or hereafter erected on the property, and all easements, rights, appurtenances, rents, royalties, mineral, oil and gas rights a prxl8/ water rights and stock and all fixtures now or hereafter apart of the property. All replacements and additions shall also be covered by.thqA ouifty Instrument All of the foregoing is referred to in this Security Instrument as the "Property". BORROWER COVENANTS tll(t Borrower is lawfully seized of the estate hereby conveyed and has the right to mortgage, grant and convey the Property and that the Property is unencunVered, except for encumbrances of record. Borrower warrants and will defend generally the title to the Property against all claims and dembrtps, subject to any encumbrances of record. THIS SECURITY INSTRUMENT combiney'uniform covenants for national use and non -uniform covenants with limited variation by lunsdiction to constitute a uniform security instrument covering real property. UNIFORM COVENANTS. Borrower and Lend venant and agree as follows 1. Payment of Principal and Interest; Pre ymenf and Late Charges. Borrower shall promptly pay when due the principal of and interest on the debt evidenced by the Note 2. Texas. The Mortgagor will pay all taxes asseesinent sewer rents or water rates prior to the accrual of any penalties or interest thereon ' The Mortgagor shall pay or cause to be paid as the,samgrespectively become due, (A)(1) all taxes and governmental charges of any kind whatsoever which may at any time be lawfully assessed or.*44d 0gainst or with respect to the Property, (2) all utility and other charges, including "servioe charges', incurred or imposed for the operation, aifitenance, use, occupancy, upkeep and improvement of the Property, and (3) all assessments or other governmental charges that mayt>Myfly be paid in installments over a period of years, the Mortgagor shall be obligated under the Mortgage to pay or cause to be paid only such.ins Amerits as are required to be paid during the term of the Mortgage. and shall, promptly after the payment of any of the foregoing, forward to Z10a evidenoe of such payment. 3. Application of Payments. Unless applicable law provide; All payments received by Lender shall be applied, first, to interest due; and, to principal due, and last, to any late charges due un er the 4. Charges: Lions. Borrower shall pay all taxes, assessments,`chai and impositions attributable to the Property which may attain priority over this Security Instrument, and leasehold payments or ground tiny. Borrower shall promptly furnish to Lender all notices of amounts to be paid under this paragraph, and all receipts evidenci thyl111jnts. Borrower shall promptly discharge any lion which has priority over thin Sl1+u*' Instrument unless Borrower (a) agrees in writing to the payment of the obligation secured by the lien in a manner acceptable to Lender,Ab) 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 her enforcement of the lien, or (c) secures from the holder of the lien an agreement satisfactory to Lender subordinating the lien to this Sac Instrument. If Lender determines that any part of the Property is subject to a lien which may attain priority over the Security Instrument;ender may give Borrower a notice identifying the hen Borrower shall satisfy the lien or take one or more of the actions set forth above within 10 days of thwgiving of notice. 5. Hazard or Property Insurance. Borrower shall keep the improvements now existing o0wreafter erected on the Property insured against loss by fire, hazards included within the term "extended coverage" and any other hazard' mof ding floods or flooding, for which Lender requires insurance . This insurance shall be maintained in the amounts and for the periods that L6TW_ requires. The insurance carver providing the insurance shall be chosen by Borrower subject to Lenders approval which shall not bb, unreasonably withheld. If Borrower fails to maintain coverage described above, Lender may, at Lenders option, obtain coverage to protect Lerl"o rights in the Property in accordance with paragraph 7. At all times that the Note is outstanding, the Mortgagor shall maintain insurance with . apace' o the Premises against such risks and for such amounts as are customarily insured against and pay, as the same become due and j5ayap 1. .al�prerriums in respect thereto, including, but not limited to , all-risk insurance protecting the interests of the Mortgagor and Mortgagee against I* W damage to the Premises by fire, lightning, and other casuattiea customarily insured against (including boiler explosion, if appropriate), wiltLa_wliform standard extended coverage endorsement, including debris removal coverage. Such insurance at all times to be in an amount ndf less than the full replacement cost of the Premises, exclusive of footings and foundations. All insurance policies and renewals shall be acceptable to Lender and shall include a standard mortgage clause Lender shall have the right to hold the policies and renewals. If Lender requires, Borrower shall promptly give to Lender all receipts of paid premiums and renewal notices. In the event of loss, Borrower shall give prompt notice to the insurance carrier and Lender. Lender may make proof of loss if not made promptly by Borrower. Unless Lender and Borrower otherwise agree in writing, insurance proceeds shall be applied to restoration or repair of the Property damaged, if the restoration or repair is economically feasible and Lenders security is not lessened. If the restoration or repair is not economically feasible or Lenders security would be lessened, the insurance proceeds shall be applied to the sums secured by the Security Instrument, whether or not then due, with any excess paid to Borrower. If Borrower abandons the Property, or does not answer within 30 days a notice from Lender that the insurance carrier has offered to settle a clelm, then Lender may collect the insurance proceeds. Lender may use the proceeds to repair or restore the Property or to pay sums secured by this Security Instrument, whether or not then due. The 30-day period will begin when the notice is mailed. Unless Lender and Borrower otherwise agree in writing, any application of proceeds to principal shall not extend or postpone the due date of the monthly payments referred to in paragraph 1 or change the amount of the payments. If under paragraph 21 the Property is acquired by Lender. Borrowers right to any insurance policies and proceeds resulting from damage to the Property prior to the acquisition shall pass to Lender to the extent of the sums secured by this Security Instrument immediately prior to the acquisition. 6. Occupancy, Preservation, Maintenance and Protection of the Property; Borrower's Loan Application, Leaseholds. Borrower shall occupy, establish, and use the Property as Borrowers principal residence within sixty days after the execution of this Security Instrument and shall continue to occupy the Property as Borrowers principal residence for at least one year after the date of occupancy, unless Lender otherwise agrees in writing, which consent shall not be unreasonably withheld, or unless extenuating arcumalances exist which are beyond Borrowers control. Borrower shall not destroy, damage or impair the Property, allow the Property to deteriorate, or commit waste on the Property. Borrower shall be in default if any forfeiture action or proceeding, whether civil or criminal, is begun that in Lenders good faith judgment could result in forfeiture of the Property or otherwise materially impair the lien created by this Security Instrument or Lenders security 0 Co Co N Packet Pg. 1801 OR; 2844 PG; 178 16.D.13.m 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 Lenders security interest. Borrower shall also be in default if Borrower, during the loan application process, gave materially false or inaccurate information or statements to Lender (or failed to provide Lender with any material information) in connection with the loan evidenced by the Note, including, but not limited to, representations concerning Borrowers occupancy of the Property as a principal residence. If this Security Instrument is on a leasehold, Borrower shall comply with all the provision of the lease. If Borrower acquires fee title to the Property, the leasehold and the fee title shall not merge unless Lender agrees to the merger in writing 7. Protection of Lender's Rights In the Property. 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 alien which has pnonty over this Security Instrument, appearing in court, paying reasonable attorneys' fees and entering on the Property to make repairs. Although Lender may take action under this paragraph 7, Lender does not have to do so. Any amounts disbursed by Lender under this paragraph 7 shall become additional debt of Borrower secured by this Security Instrument. Unless Borrower and Lender agree to other terms of payment, these amounts shall bear interest from the date of disbursement at the Note rate and shall be payable, with interest, upon notice from Lender to Borrower requesting payment S. Mortgage Insurance. If Lender required mortgage insurance as a condition of making the loan secured by this Security Instrument, Borrower shall pay the premiums required to maintain the mortgage insurance in effect. If, for any reason, the mortgage insurance coverage required by Lender lapses or ceases to be in effect, Borrower shall pay the premiums required to obtain coverage substantially equivalent to the mortgage insurance previously in effect, at a cost substantially equivalent to the cost to Borrower of the mortgage insurance previously in effect, from an alternate mortgage insurer approved by Lender. If substantially equivalent mortgage insurance coverage is not available, Borrower shall pay to Lender each month a sum equal to one -twelfth of the yearly mortgage insurance premium being paid by Borrower when the insurance coverage lapsed or ceased to be in effect. Lender will accept, use and retain these payments as a loss reserve in lieu of mortgage insurance. Loss r'rserve payments may no longer be required, at the option of Lender, if mortgage insurance coverage (in the amount and for the period that Linder requires) provided by an insurer approved by Lender again becomes available and is obtained. Borrower shell pay the premium i r rsd,to maintain mortgage insurance in effect, or to provide a toss reserve, until the requirement for y mortgage insurance ends in accordance v)dh any written agreement between Borrower and Lender or applicable law 4 9. Inspection. Lender or it nt may make reasonable entries upon and inspections of the Prop. Lender shall give Borrower erty M notice at the time of or prior to an inspection pacifying reasonable cause for the inspection. 1= 10, Condemnation. The proceeds of any award or claim for damages, direct or consequential, in connection with any condemnation 0 or other taking of any part of the Prope y, 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 Oall be applied to the sums secured by this Security Instrument, whether or not then due, o with any excess paid to Borrower In the event dfs 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 w Borrower and Lender otherwise agree in writing, the sums secured by this Security Instrument shall be reduced by the amount of the proceeds R multiplied by the following fraction (a) the total amouln� the sums secured immediately before the taking, divided by (b) the fair market value y of the Property immediately before the taking. Any ba ce shall be paid to Borrower. In the event of a partial taking of the Property in which ri •9 the fair market value of the Property immediately before;the taking is less than the amount of the sums secured immediately for the taking, CO) unless Borrower and Lender otherwise agree in writing or unless applicable law otherwise provides, the proceeds shall be applied to the sums a secured by this Security Instrument whether or not the sums are then due. Unless Lender and Borrower otherwise agree in writing, any = application of proceeds to principal shall not extend or postpone dta dci date of the monthly payments referred to in paragraphs 1 or change CO) the amount of such payments r^' V c 11. Borrower Not Released, Forbearance By Lender N a Miniver. Extension of the time for payment or modification of N Lo amortization of the sums secured by this Security Instrument granted lSy ndler to any successor in interest of Borrower shall not operate to v release the liability of the original Borrower or Borrowers sucoessora i►iteieat. Lender shall not be required to commence proceedings against any successor in interest or refuse to extend time for payment or othtiry e, modify amortization of the sums secured by this Security y Instrument by reason of any demand made by the original Borrower orB(Orowers successors in interest. Any Forbearance by Lender in 0 exercising any right or remedy shall not be a waiver of or predude the exercise of any right or remedy 15 12. Successors and Assigns Bound; Joint and Several Liability; Co-Signsrs. The covenants and agreements of this Security 2 Instrument shall bind and benefit the successors and assigns of Lender and Borrower, subject to the 0 CO) Provisions of paragraph 17 Borrowers covenants and agreements shall be joint and several. Any Borrower who co signs this Security Instrument but does not execute the Note. (a) is co-signing this Security Instrument only to mortgage, grant and convey that Borrowers interest o in the Property under the terms of this Security Instrument; (b) is not personally obligated to pay the sums secured by this Security Instrument; p and (c) agrees that Lender and any other Borrower may agree to extend, modify, forbear or make any accommodations with regard to the C. terms of this Security Instrument or the Note without that Borrowers consent. _ 12. Loan Charges. If the loan secured by this Security Instrument is subject to a law hich sets maximum loan charges, and that law is finally interpreted so that the interest or other ban charges collected or to be collected i connection with the loan exceed the permitted ca limits, then: (a) any such loan charge shall be reduced by the amount necessary to reduce thetharge to the permitted limit; and (b) any sums • already collected from Borrower which exceeded permitted limits will be refunded to Borrower.-Wrider 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 (educe principal, the reduction vnll be E 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 y"del(4erng it or by mailing it by first w Gass mail unless applicable law required use of another method. The notice shall be directed to the Progeny Address or any other address Q 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; Ssverabiilty. 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 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 of this Security Instrument and the Note are declared to be severable. 16. Borrowees Copy. Borrower shall be given one conformed copy of the Note and of this Security Instrument. 17. Transfer of the Property or a Beneficial Interest In Borrower. If all or any part of the Property or any interest in it is sold or transferred (or if a beneficial interest in Borrower is sold or transferred and Borrower is not a natural person) without Lenders prior written consent, Lender may, at its option, require immediate payment in full of all sums secured by this Security Instrument. However, this option shall not be exercised by Lender if exercise is prohibited by federal law as of the date of this Security Instrument. If Lander exercised this option, Lender shall give Borrower notice of acceleration. The notice shall provide a period of not less than 30 days from the dale 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 pnor to the expiration of this period. Lender may invoke any remedies permitted by this Security Instrument without further notice or demand on Borrower. 18. Borrowers Right to Reinstate. If Borrower meets certain conditions, Borrower shall have the right to have enforcement of this Security Instrument discontinued at any time prior to the earlier of : (a) 5 days (or such other period as applicable law may specify for reinstatement) before sale of the Property pursuant to any power of sale contained in this Security Instrument; or (b) entry of a judgment enforcing this Security Instrument. Those conditions are that Borrower (a) pays Lender all sums which then would be due under this Security Instrument and the Note as if no acceleration had occurred, (b) cures and default of any other covenants or agreements; (c) pays all expenses incurred in enforcing this Security Instrument, including, but not limited to, reasonable attorney's fees, and (d) takes such action as Lender may reasonably require to assure that the lien of this Security Instrument, Lenders rights in the Property and Borrowers obligation to pay the sums secured by this Security Instrument shall continue unchanged. Upon reinstatement by Borrower, this Security Instrument and the obligations secured hereby shall remain fully effective as if no acceleration had occurred. However, this right to reinstate shall not apply in the case of acceleration under paragraph 17, 19. Sale of Note; Change of Loan Sarvicer. The Note or a partial interest in the Note (together with this Security Instrument) may be sold one or more times without prior notice to Borrower. A sale may result in a change in the entity (known as the "Loan Servicee,) that collects monthly payments due under the Note and this Security Instrument. There also may be one or more changes of the L Packet Pg. 1802 OR; 2844 PG; 11 16.D.13.m unrelated to a sale of the Note. If there is a change of the Loan Servicer, Borrower will be given written notice of the change in accordance with paragraph 14 and applicable law. The notice will state the name and address of the new Loan Servicer and the address to which payments should be made. The notice will also contain any other information required by applicable law. 20. Hazardous Substances. Borrower shall not cause or permit the presence, use, disposal, storage, or release of any Hazardous Substances on or in the Property. Borrower shall not do, nor allow anyone else to do, anything affecting the Property that is in violation of any Environmental Law. The preceding two sentences shall not apply to the presence, use, or storage on the Property of small quantities of Hazardous Substances that are generally recognized to be appropriate to normal residential uses and to maintenance of the Property. Borrower shall promptly give Lender written notice for any investigation, claim, demand, lawsuit or other action by any governmental or regulatory agency or private party involving the Property and any Hazardous Substance or Environmental Law of which Borrower has actual knowledge. If Borrower learns, or is notified by any governmental or regulatory authority, that any removal or other rernedistion of any Hazardous Substance affecting the Property is necessary, Borrower shall promptly take all necessary remedial actions in accordance with Environmental Law. As used in this paragraph 20, "Hazardous Substances" are those substances defined as toxic or hazardous substances by Environmental Law and the following substances gasoline kerosene, other flammable or toxic petroleum products, toxic pesticides and herbicides, volatile solvents, materials containing asbestos or formaldehyde, and radioactive materials As used in this paragraph 20, "Environmental Lary' 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 Borrcvror prior to acceleration following Borrower's broach of any covenant or agreement in this Security Instrument (but not prior to acceleration under paragraph 17 unless applicable law provides otherwise). The m notice shall specify: (a) the default; (b) the action required to cure the default; (c) a date, not less than 30 days from the date the notice is given to Borrower, by which the default must be cured; and (d) that failure to cure the default on or before the date specified in the notice may result in acceleration of the sums secured by this Security Instrument, foreclosure by judicial proceeding and sale of the Property The notice shall further inform Borrower of the righ{ to reinstate after acceleration and the right to assert in the foreclosure proceeding the non-existence of a default or any other defense of Borrower to acceleration and foreclosure. If the default is not cured on or before the date specified in the notice, Lender, at its option, may requirp-irnmediate payment in full of all sums secured by this Security Instrument without further demand and may foreclose this Security Instrurrierit Ujall"a ''al proceeding. Lender shall be entitled to collect all expenses incurred in pursuing the remedies provided in this paragraph 21, incl4not limited to, reasonable attorney's fees and costs of the title evidence. 22, Release. Upon paYnums secured by this Security Instrument, Lender shall release this Security Instrument, without charge, to Borrower. Borrower shall pay any-*ordatton costs. 23. Attorneys' Fees. As ui"rs4dh thfii Security Instrument and the Note, "attorneys' fees" shall include any attorneys' fees awarded by an appellate court 24. Riders to thle Security Instriii till one or more riders are executed by Borrower and recorded together with this Security Instrument, the covenants and agreementt of a ,Ouch rider shall be incorporated into and shall amend and supplement the covenants and agreements of this Security Instrument as if the" ,ar(s) were a part of this Security Instrument. (Check Applicable Box) Q Adjustable Rate Rider Rate Impro Rafter Condominium Rider i Graduated Payment Rider 1.4 Family Second Home Rider Balloon Rider Weekly Payme plgser.N Planned Unit Development Rider Other(s) (specify SIGNING BELOW, Borrower accepts and agrees to the terms and by Borrower and recorded with it Signed, sealed and)deliveredAn !p"resencs of: Witne*02. Signature: STATE OF FLORIDA COUNTY OF Contained in this Security Instrument and in any riders) executed Rosa Signature: _ Co. Borrower Address: 3630,q 630, Avenue tilt. ar.�1... di -er d&, 34120 1 hereby certify that on this day, before me, an officer duly authorized in the state aforesaid to take acknowledgements, personally appeared MCI h�1�Ropa to me known to be the persan(s) described in and ttecuted the foregoing instrument and acknowledged before me that (He/ she) they) executed the same for the purpose therein expressed. WITNESS my hand and official seal in the County and State aforesaid thia1- day of 2001. Y � My Commission Expires: ' To ary Public's Signature •�. TH E state o. CO ITi (Seal) yin Notary's Printed Name -'fit NY CWhm E40 r Ip 0U? :otncL a,4�>rZ�� Filek 01-239 Packet Pg. 1803 Collier County Property Appraiser 16.D.13.m Property Summary Site 3630 29TH Site Zone Parcel No 40180800009 Address AVE NE Site City I NAPLES *Note 341; *Disclaimer Name / Address IROSS, MICHELLE 3630 29TH AVE NE City I NAPLES State I FL I Zip 1 34120-2833 y as Map No. Strap No. Section Township Range Acres *Estimated 3D20 346900 84 23D20 20 48 28 1.14 0 Legal GOLDEN GATE EST UNIT 68 W 75FT OF E 150FT OF TR 84 00 0 Milla a Area O 138 Millacie Rates O *Calculations Sub./Condo 346900 - GOLDEN GATE EST UNIT 68 School Other Total Use Code v 1 - SINGLE FAMILY RESIDENTIAL 4.889 8.7793 13.6683 a Latest Sales History 2021 Certified Tax Roll n Not all Sales are listed due to Confidentiality) (Subject to Change) c Date Book -Page Amount 06/18/01 2844-1773 $ 8,500 06/11/01 2839-2975 $ 8,500 10/01/73 547-949 $ 0 Land Value $ 25,4; o (+) Improved Value $ 97,6! (_) Market Value $ 123,01 c (-) Save our Home $ 60 81 0; 0 Assessed Value $ 62,2, (-) Homestead $ 25,01 (_> School Taxable Value $ 37,2' c° (-) Additional Homestead $ 12,2' S (_) Taxable Value $ 25,01 If all Values shown above equal 0 this parcel was created after the .. Final Tax Roll c d E z 0 Q Packet Pg. 1804 Retn: 2618483 OR; 2661_ .1)G, 2536 16.D.13.n ISLAND TITLE GUARF . AGENCY I RECORDED in the OFFICIAL RECORDS Ot f.'GLLIER COUNTY, FL OBLD . 250D.00 y PICK OF 04/10/2000 at 11:57AR DNIGHT E. BROCK, CLERK OBLI 2500.00 REC FEE 15.00 DOC-.35 8.75 THIRD MORTGAGE THIS THIRD MORTGAGE ("Security Instrument') is given on March 31, 2000 The Third Mortgagor is: Cirino Trejo, a Single Man Borrower"). This Security Instrument is giv@n Collier County ("Lender"), which is organized and existing under the laws of the United States of America, and whose address is 2800 North Horseshoe Drive, Naples, Florida 34104 . Borrower owes Lender the sum of Two, Thousand Five Hundred Dollars and no/100 (U.S. $2,500.00 ) debt is evidenced by Borrower's Note dated the same date as this Security Instrument ("Second Mortgage"), which provides for monthly payments, with the full debt, if not paid earlier, due and payable on sale of property, refinance, or loss of homestead exetription This Security Instrument secures to Lender: (a) the repayment of the debt evidenced by the Note, with interest, and all renewals, extensions and modifications; (b) the payment of -all other sums, with interest.advanced under paragraph 7 to protect the security of the Security Instrument; and (c) the performance of Borrower's covenants and agreements under this Security Instrument and the Note: For this purpose, Borrower does hereby second mortgage, grant and convey to Lender the following described property located in Collier County, Florida. Lot 5, Block 5,' AMENDED PLAT OF As more particularly described as NAPLES MANOR EXTENSION, according to the PLat thereof, on file and ("Property Address"): 5565 CgIlins Ave. recorded in Plat Book 3, Page 101 Naples, FL 34113 of the Public Records of Collier Croi sn,° �l County, Florida. TOGETHER WITH all the improvements now or hereafter erected on the property, and all easements, rights, appurtenances, rents. royalties, mineral, oil and gas rights and profits, water rights and stock and all fixtures now or hereafter a part of the propertyAll replacements and additions shall also be covered by the Security Instrument. All of the foregoing is referred to in this Security Instrument as the "Property'. BORROWER COVENANTS that Borrower is lawfully seized of the estate hereby conveyed and has the right to mortgage, grant and convey the Property and that the Property is unencumbered, except for encumbrances of record. Borrower warrants and will defend generally the title to the Property against all claims and demands, subject to any encumbrances of record. THIS SECURITY INSTRUMENT combines uniform covenants for national use and non -uniform covenants with limited variation by jurisdiction to constitute a uniform security instrument covering real property. UNIFORM COVENANTS. Borrower and Lender covenant and agree as follows: 1. Payment of Principal and Interest; Prepayment and Late Charges. Borrower shall promptly pay when due the principal of and interest on the debt evidenced by the Note. 2. Taxes. The Mortgagor will pay all taxes, assessments, sewer rents or water rates Prior to the accrual of any penalties or Interest thereon. The Mortgagor shall pay or cause to be paid, as the same respectively become due, (A)(1) all taxes and governmental charges of any kind whatsoever which may at any time be lawfully assessed or levied against or with respect to the Property, (2) all ,utility and other charges, including "service charges", incurred or imposed for the, operation, maintenance, use; occupancy, upkeep and improvement of the Property, and (3) all assessments or other governmental charges that may lawfully be paid in installments over a period of years, the Mortgagor shall be obligated under the Mortgage to pay or cause to be paid only such installments as are required to be paid during the term of the Mortgage, and shall, promptly after the payment of any of the foregoing, forward to Mortgagee evidence of such payment. 3. Application of Payments. Unless applicable law provides otherwise, all payments received by Lender shall be applied; first, to interest due; and, to principal due; and last, to any late charges.due under the Note. 4. Charges; Liens. Borrower shall pay all. taxes, assessments, charges, fines and impositions attributable to thi"roperty which may attain priority over this Security Instrument, and leasehold payments or ground rents, if any. Borrower shall promptly furnish to Lender all notices of amounts to be paid underthis paragraph, and all receipts evidencing the payments. Borrower shall promptly discharge any lien which has priority over this Security Instrument unless Borrower: (a) agrees in writing to the payment of the obligation secured by the lien in a manner acceptable to Lender; (b) contests in good faith the lien by, or defends against enforcement of the lien in, legal proceedings which in the Lender's opinion operate to prevent the enforcement of the lien; or (c) secures from the holder of the lien an agreement satisfactory to Lender subordinating the lien to this Security Instrument. If Lender determines that any part of the Property is subject to alien which may attain priority over the Security Instrument, Lender may give Borrower a notice identifying the lien. Borrower shall satisfy the lien.or take one or more of the actions set forth above within 10 days of the giving of notice. 5. Hazard or Property Insurance. Borrower shall keep the improvements now existing or hereafter erected on the Property insured against loss by fire, hazards included within the term "extended coverage" and any other hazards, including floods or flooding, for which Lender requires insurance. This insurance shall be maintained in the amounts and for the periods that Lender requires. The insurance carrier providing the insurance shall be chosen by Borrower subject to Lenders approval which shall not be unreasonably withheld. If Borrower fails to maintain coverage described above, Lender may, at Lender's option, obtain coverage to protect Lender's rights in the Property in accordance with paragraph 7. At all times that the Note is outstanding, the Mortgagor shall maintain insurance with respect to the Premises against such risks and for such amounts as are customarily insured against and pay, as the same become due and payable, all premiums in respect thereto, including, but not limitedto , all-risk insurance protecting the interests of the,Mortgagor and Mortgagee against loss or damage to the Premises by fire, lightning, and other casualties customarily insured against (including boiler explosion, if appropriate), with a uniform standard extended coverage endorsement, including debris removal coverage. -Such insurance at all times to be in an amount not less than the full replacement cost of the Premises, exclusive of footings and foundations. All insurance policies and renewals shall be acceptable to Lender and shall include a standard mortgage clause. Lender shall have the right to hold the policies and renewals. If Lender requires, Borrower shall promptly give to Lender all receipts of paid premiums and renewal notices. In the event of loss, Borrower shall give prompt notice to the insurance carrier and Lender. Lender may make proof of loss if not made promptly by Borrower. Unless Lender and Borrower otherwise agree in writing, insurance proceeds shall be applied to restoration or repair of the Property damaged, if the restoration or repair is economically feasible and Lender's security is not lessened. If the restoration or repair is not economically feasible or Lender's security would be lessened, the insurance proceeds shall be applied to the sums secured by the Security Instrument, whether or not then due, with any excess paid to Borrower. If Borrower abandons the Property, or does not answer within 30 days a notice from Lender that the insurance carrier has offered to settle a claim, then Lender may collect the insurance proceeds. Lendenay 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. 8. Occupancy, Preservation, Maintenance and protection of the Property; Borrower's Loan Application, Leaseholds. Borrower shall occupy, establish, and use the Property as Borrowers principal residence.within sixty days after the execution of this Security Instrument and shall continue to occupy the Property as Borrower's principal residence for at least one year after the date of occupancy, unless Lender otherwise agrees in. writing, which consent shall not -be unreasonably withheld,or unless extenuating circumstances exist which are beyond Borrower's control. Borrower shall not destroy, damage or impair the Property, allow the Property to deteriorate, or commit waste on Packet Pg. 1805 16.D.13.n OR: 2661 PG: 253 the Property. Borrower shall be in default if any forfeiture action or proceeding, whether civil or criminal, is begun that in Lender's good faith judgment could result in forfeiture of the Property or otherwise materially impair the lien created by this Securely Instrument or Lender's security interest. Borrower may cure such a default and reinstate, as provided in paragraph 18, by causing the action or proceeding to be dismissed with a ruling that, in tender's good faith determination, precludes forfeiture of the Borrower's interest in the Property or other material impairment of the lien created by this Security Instrument or Lender's security interest.Borrower shall also be in default if Borrower, during the loan application process, gave materially false or inaccurate information or statements to Lender (or failed to provide Lender with any material Information) in connection with the loan evidenced by the Note, including, but not limited to, representations concerning Borrower's occupancy of the Property as a principal residence. If this Security Instrument is ora leasehold, Borrower she[[ comply with all the provision of the lease. If Borrower acquires fee title to the Property, the leasehold and the fee title shall not merge unless Lender agrees to the merger in writing. 7. Protection of Lender's Rights in the Property. If Borrower fails to perform the covenants and agreements contained in this Security Instrument, or there is a legal proceeding that may significantly affect Lender's rights in the Property (such as a proceeding in bankruptcy, probate, for condemnation or forfeiture or to enforce laws or regulations), then Lender may do and pay for whatever is necessary to protect the value of the Property and Lender's rights in the Property. Lender's actions may include paying any sums secured by lien which has priority over this Security instrument, appearing in court, paying reasonable attorneys' fees and entering on the Property to make repairs. Although Lender may take action under this paragraph 7, Lender does not have to do so. Any amounts disbursed by Lender under this paragraph 7 shall become additional debt of Borrower secured by this Security Instrument. Unless Borrower and Lender agree to other terms of payment, these amounts shall bear interest from the date of disbursement at the Note rate and shabe 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.lf, for any reason, the mortgage insurance coverage required by Lender lapses or ceases to be in effect, Borrower shall pay the premiums required to obtain coverage substantially equivalent to the mortgage insurance previously in effect, at a cost substantially equivalent to the cost to Borrower of the mortgage insurance previously in effect, from an alternate mortgage insurer approved by Lender. If substantially equivalent mortgage insurance coverage is not available, Borrower shall pay to Lender each month a sum equal to one -twelfth of the yearly mortgage insurance premium being paid by Borrower when the insurance coverage lapsed or ceased to be in effect. Lender will accept, use and retain these payments as a loss reserve w in lieu of mortgage insurance. Loss reserve payments may no longer be required, at the option of Lender, if mortgage insurance coverage (in pl the amount and for the period that Lender requires) provided by an insurer approved by Lender again becomes available and is obtained. of 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. 0 9. Inspection. Lender or its agent may make reasonable entries upon and inspections of the Property. Lender shall give Borrower notice at the time of or prior to an inspection specifying reasonable cause for the inspection. o 10_ Condemnation. The proceeds of any award or claim for damages, direct or consequential, in connection with any C 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 R 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 w 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 cc to the proceeds multiplied by the following fraction: (a) the total amount of the sums secured immediately before the taking, divided by (b) the fair d market value of the Property immediately before the taking. Any balance shall be paid to Borrower. In the event of a partial taking of the = Property in which the fair market value of the Property immediately before the taking is less than the amount of the sums secured immediately M for the taking, unless Borrower and Lender otherwise agree in writing or unless applicable law otherwise provides, the proceeds shall be .. applied to the sums secured by this Security Instrument whether or not the sums are then due. Unless Lender and Borrower otherwise agree in N writing, any application of proceeds to principal shall not extend or postpone the due date of the monthly payments referred to in paragraphs 1 Ln c or change the amount of such payments. fV 11. Borrower Not Released, Forbearance By Lender Not a Waiver. Extension of the time for payment or modification of o amortization of the sums secured by this Security Instrument granted by Lender to any successor in interest of Borrower shall not operate to y release the liability of the original Borrower or Borrower's successors in interest Lender shall not be required to commence proceedings against any successor in interest or refuse to extend time for payment or otherwise modify amortization of the sums secured by this Security Instrument by reason of any demand made by the original Borrower or Borrower's successors in interest. Any forbearance by Lender in exercising any right or remedy shall not be a waiver of or preclude the exercise of any right or remedy. 12. Successors and Assigns Bound; Joint and Several Liability; Co -Signers. The covenants and agreements of this Security to Instrument shall bind and benefit the successors and assigns of Lender and Borrower, subject to the o Provisions of paragraph 17. Borrower's covenants and agreements shall be joint and several. Any Borrower who co-signs this Security 0 0 instrument but does not execute the Note; (a) is co-signing this Security Instrument only to mortgage, grant and convey that Borrower's interest IZ in the Property under the terms of this Security Instrument; (b) is not personally obligated to pay the sums secured by this Security Instrument; _ and (c) agrees that Lender and any other Borrower may agree to extend, modify, forbear or make any accommodations with regard to the terms of this Security Instrument or the Note without that Borrower's consent. M 13. Loan Charges. If the loan secured by this Security Instrument is subject to a law which sets maximum loan charges, and that law is finally interpreted so that the interest or other loan charges collected or to be collected in connection with the loan exceed the permitted limits, then; (a) any such loan charge shall be reduced by the amount necessary to reduce the charge to the permitted limit; and (b) any sums already collected from Borrower which exceeded permitted limits will be refunded to Borrower. Lender may choose to make this refund by t 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. ' Q 14. Notices. Any notice to Borrower provided for in this Security Instrument shall be given by delivering it or by mailing it by first class mail unless applicable law required use of another method. The notice shall be directed to the Property Address or any other address Borrower designates by notice to Lender. Any notice to Lender shall be given to Borrower or Lender when given as provided in this paragraph, 15. Governing Law; Severability. This Security Instrument shall be governed by federal law and the law of the jurisdiction in which the Property is located. In the event that any provision or clause of this Security Instrument or the Note conflicts with applicable law, such conflict shall not affect other provisions of this Security Instrument or thrNote 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 ofthis Security Instrument. 17. Transfer of the Property or a Beneficial Interest in Borrower- If all or any part of the Property or any interest in it is sold or transferred (or if a beneficial interest in Borrower is sold or transferred and Borrower is not a natural person) without Lender's prior written consent, Lender may, at its option, require immediate payment in full of all sums secured by this Security Instrument. Howevet(tis option $hail not be exercised by Lender if exercise is prohibited by federal law as of the date of this Security Instrument. If lender exercised this option, Lender shall give Borrower notice of acceleration. The notice shall provide a period of not less than 30 days from the date the notice is delivered or mailed within which Borrower must pay all sums secured by this Security Instrument. If Borrower fails to pay these sums prior to the expiration of this period, Lender may invoke any remedies permitted by this Security Instrument without further notice or demand on Borrower. 18. Borrower's Right to Reinstate. If Borrower meets certain conditions, Borrower shall have the right to have enforcement of this Security Instrument discontinued at any time prior to the earlierof : (a) 5 days (or such other period as applicable law may specify for reinstatement) before sale of the Property pursuant to any power of sale contained in this Security Instrument; or (b) entry of a judgment enforcing this Security Instrument. Those conditions are that Borrower: (a) pays Lender all sums which then would be due under this Security Instrument and the Note as if no acceleration had occurred; (b) cures and default of any other covenants or agreements; (c) pays all expenses incurred In enforcing this Security Instrument, including, but not limited to, reasonable attorney's fees; and (d) takes such action as Lender may reasonably require to assure that the lien of this Security Instrument, Lender's rights in the Property and Borrower's obligation to pay the sums secured by this Security Instrument shall continue unchanged_ Upon reinstatement by Borrower, this Security Instrument and the obligations secured hereby shall remain fully effective as if no acceleration had occurred. However, this right to reinstate shall not apply in the case of acceleration under. paragraph 17. 19. Sale of Note; Change of LoanServicer. The Note or a partial interest in the Note (together with this Security Instrument) may be sold one or more times without prior notice to Borrower. A sale may result in a change in the entity (known as the "LoatServicei") that collects monthly payments due under the Note and this Security Instrument. There also may be one or more changes of the LoalServicer rrhn:iPA win 2 . ] Packet Pg. 1806 ** OR: 2661 PG: 253 16.D.13.n unrelated to a sale of the Note_ If there is a change of the Loan Servicer, Borrower wi[I 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 LoanServicer and the address to which payments should be made. The notice will also contain any other information required by applicable law. 20_ Hazardous Substances. Borrower shall not cause or permit the presence, use, disposal, storage, or release of any Hazardous Substances on or in the Property. Borrower shall not do, nor allow anyone else to do, anything affecting the Property that is in violation of any Environmental Law. The preceding two sentences shall not apply to the presence, use, or storage on the Property of small quantities of Hazardous Substances that are generally recognized to be appropriate to normal. residentia€' 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 otherrenrediation of any Hazardous Substance affecting the Property is necessary, Borrower shall promptly take all necessary remedial actions in accordance with Environmental Law. As used in this paragraph 20, "Hazardous Substances" are those substances defined as toxic or hazardous substances by Environmental Law and the following substances_ gasoline, kerosene, other flammable or toxic petroleum products, toxic pesticides and herbicides, volatile solvents, materials containing asbestos orformaldehyde, and radioactive materials. As used in this paragraph 20, "Environmental Law" means federal laws and laws of the jurisdiction where the Property is located that relate to health, safety or environmental protection. 21. Acceleration; Remedies. Lender shall give notice to Borrower prior to acceleration following Borrowers breach of arty covenant or agreement in this Security Instrument (but not prior to acceleration under paragraph 17 unless applicable law provides othermise)_ The notice shall specify: (a) the default; (b) the action required to cure the default; (c) a date, not less than 30 days from the date the notice is given to Borrower, by which the default must be cured; and (d) that failure to cure the default on or before the date specked in the notice may result in acceleration of the sums secured by this Security Instrument, foreclosure by judicial proceeding and sale of the Property. The notice shall further inform Borrower of the right to reinstate after acceleration and the right to assert in the foreclosure proceeding the non-existence of a default or any other defense of Borrower to acceleration and foreclosure. If the default is not cured on or before the date specified in the notice, Lender, at its option, may require immediate payment in full of all sums secured by this Security Instrument without further demand and may foreclose this Security Instrument byjudicial proceeding. Lender shall be entitled to collect all expenses incurred in pursuing the remedies provided in this paragraph 21, including, but not limited to, reasonable attorney's fees and costs of the Me evidence.' 22. Release. Upon payment of all sums secured by this Security Instrument, Lender shall release thisSecurityInstrument, 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 riders) were a part of this Security Instrument. (Check Applicable Box) )- Adjustable Rate Rider )- Rate Improvement Rider.)- Condominium Rider - Graduated Payment Rider ) - 1-4 Family Rider ) - Second Home Rider - Balloon Rider ) - Biweekly Payment Rider- 7 - Planned Unit Development Rider )- Other(s) (specify SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this Security Instrument and in any rider(s) executed by Borrower and recorded with it_ Signed, Witness Signatu Borrower: Address: STATE OF F10rida COUNTY OF rol I ii er I hereby certify that on this day, before me, an officer duly authorized in the state aforesaid and in the county aforesaid to take acknowledgments, personally appearedCi-rinoTrej o to me known to be the person(s) described in and who executed the foregoing instrument and acknowledged before me that X-CE I SHE_ executed the same for the purpose therein expressed. WITNESS my hand and official seal in the County and State aforesaid this31 st day of March ,XX 2000 My Commission Expires: Notary's Printed Name 3 (SEAL) OFFICLgI_ NOTARYSEAL MICT3EI,LE C M05SEY NOTARY PU&LiC STATE.OF FT.ORIDA COiv4r�SI5SION NO. CC6283t3 ivtY � es ca ccbo3ad.wn g Packet Pg. 1807 PROMISSORY MOTE S8"�, 16.D.13.n March 31 , 2000 Borrower: C'1rino Trejo 5565 Ce s ANY—. Naples F.1nr;,Ja 34113 (Property Address) (City) _(State) 1. BORROWER(S) PROMISE TO PAY: I/We promise to pay Two Thousand Five Hundred Dollars ($2,500.00 ) (this amount will be called "principal") to the order of Collier Count or to any other holder of this Note (the "Lender"), whose address is 2800 Horseshoe Drive North, Naples, Florida .34104 . I/We understand that the Lender may transfer the Promissory Note. The Lender or anyone who takes this Note by transfer and who is entitled to receive payments under this Note will be called the "Note Holder". 2. INTEREST: Interest on this Note shall be zero percent (0%) per annum; except that if I/We fail to pay this Note as required, the interest rate shall be twelve percent (12%) per annum from the date when payment of this Note is due until I/We pay it in full. 3_ PAYMENTS: Principal payments shall be deferred for the term of the first mortgage loan or until sale of property, refinance, or loss of homestead exemption , the date the last payment is due on refinance or satisfy the first mortgage loan, I/We agree to immediately pay the entire sum due under this Note. My/Our total payment shall be U-S. $2,500.00 . 4. BORROWER'S RIGHT TO PREPAY: I/We have the right to make payments of principal at any time before they are due. A payment of principal only is know ass -a "prepayment". When I/We make a prepayment, I/we will tell the Note Holder in writing that I/we am doing so. I/We may make a full prepayment or partial prepayment charge. The Note Holder will use all of my prepayments to reduce the amount of the principal that T owe under this Note. If I/We make a partial prepayment, there will be no changes in the due date or in the amount of my monthly payment unless the Note Holder agrees in writing to those changes. If I/We make a partial prepayment, there will be no prepayment penalty adhering to or associated with such prepayment LOAN CHARGES: If a law, which applies to this loan and which sets maximum loan charges, is finally interpreted so that the interest or other loan charges collected or to be collected in connection with this loan exceed the permitted limits; then (i)'any such loan charges shall be reduced by the amount necessary to reduce the charges to the permitted limit; and (ii) any sums already collected from me which exceeded permitted limits will be refunded to me/us. The Note Holder may choose to make this refund by reducing the principal that I/We owe under this Note or by making a direct payment to me/us- If a refund reduces principal, the reduction will be treated as a partial prepayment_ SUBORDINATION: Lender and Borrower acknowledge and agree that this Security Instrument is subject and subordinate in all respects to the liens, terms, covenants and conditions of the First Deed of Trust and to all advances heretofore made or which may hereafter be made pursuant to the First Deed of Trust including all sums advanced for the purpose of (a) protecting or further securing the lien of the First Deed of Trust., curing defaults by the Borrower under the First Deed of Trust or for any other purpose expressly permitted by the First Deed of Trust or (b) constructing, renovating, repairing, furnishing, fixturing or equipping the Property. The terms and provisions of the First Deed of Trust are paramount and controlling, and they supersede any other terms and provisions hereof in conflict therewith. In the event of a foreclosure or deed in lieu of foreclosure of the First Deed of Trust, any provisions herein or any provisions in any other collateral agreement restricting the use of the Property to low or moderate income households or otherwise restricting the Borrower's ability to sell the Property shall have no further force or effect on subsequent owners or purchasers of the Property_ Any person, including his successors or assigns (other than the Borrower or a related entity of the Borrower), receiving title to the Property through a foreclosure or deed in lieu of foreclosure of the First Deed of Trust shall receive title to the Property free and clear from such restrictions. Further, if the Senior Lien Holder acquires title to the Property pursuant to a deed in lieu of foreclosure, the lien of this Security Instrument shall automatically terminate upon the Senior Lien Holder's acquisition of title, provided that (i) the Lender has been given written notice of a default under the First Deed of Trust and (ii) the Lender shall. not have cured the default under the First Deed of Trust within the 30-day period provided in such notice sent to the Lender. 7. BORROWER(S) FAILURE TO PAY AS REQUESTED: (A) Default If I/we do not pay the full amount as required in Section 3 above,.I/we will be in default. If I am in default, the Note Holder may bring about any actions not prohibited by applicable law and .require me/us to pay the Note Holder's cost and expenses as described in (B) below. (B) Payment of Note Holder's Cost and Expenses If the Note Holder takes such actions as described above, the Note Holder will have the right to be paid back for all of its costs and expenses, including, but not limited to, reasonable attorneys' fees.. N N O) R Of t= O 0 O c O R w N U) a_ x N 0 N Ln 0 O H O N N V O a a 3 Y u R M c d E t M R a GIVING OF NOTICES: Unless applicable law required a different method, any notice that must be given to me/us under the Note will be given by delivering it or by mailing it by first class mail to me at the Property Address on Page 1 or at a different address if I/we give 1 Packet Pg. 1808 16.D.13.n the Note Holder a notice of my/our different address_ Any notice that must be given to the Note Holder under this Note will be given by mailing it by first class mail to the Note Holder at the address stated in Section 3(A) or at a different address if I/we have been given a notice.of that different address. OBLIGATIONS OF PERSONS UNDER THIS NOTE: If more than one person signs this Note, each person is fully and personally obligated to keep all of the promises made in this Note, including the promise to pay the full amount owed. Any person who is a guarantor, surety or endorser of this Note is also obligated to do these things. Any person who takes over these obligations, including the obligations of a guarantor, surety or endorser of this Note, is also obligated to keep all of the promises made in this Note. The Note Holder may enforce its rights under this Note against each person individually or against all of us together. This means that any one of us .may be required to pay all of the amounts owed under this Note. 10. WAIVERS: I and any other person who has obligations under this Note waive the rights of presentment and notice of dishonor. "Presentment" means the right to require. the Note Holder to demand payment of amounts due. "Notice of Dishonor" means the right to require the Note Holder to give notice to other persons that amounts due have not been paid. 11_ UNIFORM SECURED NOTE. This Note is a uniform instrument with limited variations in some jurisdictions_ In addition to the protection given to the Note Holder under this Note, a Mortgage, Deed of Trust or_Security Deed (the "Security Instrument"), dated the same date as this Note, protects the Note Holder from possible losses which might result if I/we do not keep the promises which I/we make in this Note_ That Security Instrument describes how and under what conditions I/we may be required to make immediate payment in full of all amounts I/we owe under this Note. Some of those 'conditions are described as follows: Transfer of the Property or a Beneficial Interest in BOrr000z - If all or any part of the property or any interest in it is sold or transferred (or if a beneficial interest in Borrower is sold or transferred And Borrower is not a natural person) without Lender's prior written consent, Lender may, at its option, require immediate payment in full or all sums secured by this Security Instrument. However, this option shall not be exercised by Lender if exercise is prohibited by federal law as of the date of this Security Instrument. If Lender exercises this option, Lender shall give Borrower notice of acceleration. The notice shall provide a period of not less than thirty (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(s) fail 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. Notwithstanding the above, the Lender's rights to collect and apply the insurance proceeds hereunder shall be subject and subordinate to the rights of the Senior Lien Holder to collect and apply such proceeds in accordance with the First Deed of Trust. 12_ This note is governed and construed in accordance with the Laws of the State of Florida WITNESS THE HANDD(SS))'AND SEAT(L S) OF THE UNDERSIGNED - (Seal) Borrower Cirin.o Trej o (Seal) Borrower Borrower RETURN TO: Collier County Housing & Urban Improvement Department 2800 North Horseshoe'Drive Naples, FL 34104 Phone: (941) 403-2330 Fax: (941) 403-2331 (OR) City of Naples' 735 8th Street South, Room "H" Naples, FL 33940 Attn: Susan Golden Phone: (941) 434--4626 Fax: (941) 434-4652 a Packet Pg. 1809 Collier County Property Appraiser 16.D.13.n Property Summary Site 5565 Site Zone Parcel No 62203080001 Address COLLINS Site City NAPLES *Note 3411 *Disclaimer 'AVE ame / Address ;TRE10, CATALINA City NAPLES State FL Zip 34113-8736 Map No. Strap No. Section Township Range Acres *Estimated 51329 5080005 55B29 29 50 26 0.23 Lecial s NAPLES MANOR EXT BLK 5 LOT 5 Millage Area 0 108 Millage Rates 0 *Calculations Sub./Condo 508000 - NAPLES MANOR EXTENTION School Other Total AMENDED PLAT d a� Use Code 0 1 - SINGLE FAMILY RESIDENTIAL 4.889 6.665 11.554 0 r O Latest Sales History 2021 Preliminary Tax Roll (Not all Sales are listed due to Confidential€t f) Date Book -Page Amount (Subiect to Change) Land Value O $ 134,51 .2 04/10/00 2661-2527 $ 52,500 {+) Improved Value $ 83,20 w 12/15/97 2371-98 $ 0 (_) Market Value w $ 2N 04/05/93 1811-2358 $ 13,500 Save Our Home $ 157,5,07 a 08/01/91 1640-770 {)Assessed Value $ 62,64 08/01/91 1639-571 $ 10,800 (-) Homestead $ 25,00 0 (-) idow(er) $ 50 0 (_) School Taxable Value $ 37,14 (-) Additional Homestead $ 12,64 d (_) Taxable Value $ 24,50 If all Values shown above equal 0 this parcel was created after the O y Final Tax Roll N V O 0 Q 3 Y O lC m C N E L V l6 r a Packet Pg. 1810 16.D.13.n Case #. 11-2012-CP-000395-0001-XX Party Name/Company: Trejo, Catalina Party Type: Heir Name Suffix: DOB: Citation #: Court Events Offense Date: File Date: 04/13/2012 Status: Disposed Case Type: Summary $1,000 or more Court Type: CP Date Time Event Type Location Room Notes No records found Parties Judge: Brodie, Lauren L y ts� R Parry NamelCompany Party Type Sex Race Date of Birth AKA Deceased Sheriffs # O Trejo, Cinno Deceased 01/15/2011 2 Trejo, Catalina lotParty Attorneys Q Heir O .5 Charges w rn Statute Disposition Offense Citation Offense Plea Court Prosecutor d # Count Description Date Sentence Date # Level Date Action Action No records found c Ln un 0 Dockets O Docket Image Num Effective Count Description O to 1 04/13/2012 0 Summary $1,000 or more _.... _._ _.__ -.__-_ __... __ _.. __._. _._.._ -_._., ..._... .., _..... .. .....__ .... ....... ... __...... O 2 04/13/2012 0 Paid $345.00 on receipt 392133, Fully Paid 0 a 3 04/13/2012 0 Cover Letter Y R 4 04/13/2012 0 Petition for Summary Administration Testate m 5 04/13/2012 0 Death Certificate d S O4113/2012 0 Petition to Determine Homestead 7 0411312M2 0 Petition to Determine Exempt Property I Q 8 04/13/2012 0 Formal Notice in RE of Professional Credit Se 9 04/19/2012 0 Scheduled Judge Reassignment By Administrative Order. Effective: 0710112012, From Judge James R Shenko To Judge Lauren L Brodie Packet Pg. 1811 16.D.13.n Docket Pi Image Num Effective Count Description 10 05/21/2012 0 Proof of Formal Notice in RE of Petitino For Summary Administration 11 05/21/2012 0 Cover Letter 12 05/29/2012 0 Orderof Summary Administration Intestate 13 06/30/2012 0 Per Administrative Order, case reassigned to Judge Lauren L Brodie 14 07/04/2012 0 Affidavit of Publication 1st Publication date 06/22/2012 15 07/10/2012 0 Affidavit of No Florida Estate Tax Due 16 07/10/2012 0 Notice to Creditors 17 07/25/2012 0 Statement of Claim from Nch $1,047.49 18 08/06/2012 0 Objection to Claim of Nch 19 09/19/2012 0 Proof of Service of Objection to Claim 20 09/26/2012 0 Cover Letter 21 10/01/2012 0 Order Determining Homestead 22 10/01/2012 0 Order Determining Exempt Property 23 04/01/2016 0 Per Administrative Order, case reassigned to Judge Greider, Christine .. 24 05/18/2016 0 Scheduled Judge Reassignment By Administrative Order. Effective: 07/0112016, Judge O7 R Christine GreiderTo Judge Lauren L Brodie r O 25 07/01/2016 0 Per Administrative Order, case reassigned to Judge Brodie, Lauren L O 0 Sentences C 3 R w Date Count Sentence Confinement Term Credit Time Conditions Status 'N � N No records found Ii 2 N Fees 0 Ln un Fees o N Total Balance +Interest: $0.00 . O (The fees listed below do not necessarily reflect all outstanding fees on the case. For complete balance information, please contact the Clerk's office.) S~S • 51 Date Date Description Due Paid Balance Collections Judgment Interest O 04/13/2012 04/13/2012 Probate Filing Fee $345.00 $345.00 $0.00 $0.00 a a $345 Y $345.00 $345,00 $0.00 $0.00 R m c Fees E t M M Plan # Scheduled Pay Amount Balance Due PA Q No records found Packet Pg. 1812 16. D.13.. Search ... '. a.�slate Q—,j Horne I Oak's O:iice - I Records Search I Ceurtcwisicns Official Land Records Search n�ord�rg � � prance � � Bard Racorc>!�:".& � Inter�FAudit F:]ONES ]UQIE G F:JONFS MELISSA R F:70NES MICHAEL V , T:TRE70 CIRINO TRAIL ACRES BLOCK I LOT 33,34 UNIT 3; E 25` LOT 33 V T:TREJO JAQUELINO F:TRE70 CIRINO F:TREJO CIRINO T 6/9/2004 MTGE 3417290 OR 3583 970 9 F:TRE10 JAQUELINO f. F:TRFJO MARICELA T:IRWIN MORTGAGE CORP TRAIL ACRES BLOCK 1 LOT 33,34 UNIT 3; E 25' LOT 33 V T:MORTGAGE ELECTRONIC REGISTRATION SYSTEMS INC F:AYALA ALICIA F:GARCIA ARACELI 9/17/2001 ASSIGN 2857757 OR Z893 515 3 F:GONZALEZ AZUCENA MORALES F:GONZALEZ JOSE MANUEL y F:GUERRERO MARIA DEL CARMEN F:GUTIERREZ ANA C - VAR OR & PGS BLANKET ASSIGNMENT V T:NORTHERN TRUST BANK FL NA F:HABITAT FOR HUMANITY OF COLLIE 4/10/200C DEED 2618480 OR 2661 2527 1 5 T:TRE70 CIRINO NAPLES MANOR EXTN AMEND PLAT BLK 5 LT 5 V F:TREJO CIRINO 4/10/2000 MTGE 2618481 OR 2661 2528 4 T:HABITAT FOR HUMANITY OF COLLIE NAPLES MANOR EXTN AMEND PLAT BLK 5 LT 5 V F:TRE10 CIRTNO r:FABSTAT 4/10/2000 MTGE 2618482 OR 2661 2532 4 �.w FOR HUMANITY OF COLLIE NAPLES MANOR EXTN AMEND PLAT BLK 5 LT 5 V F:TREJO CIRINO 4/10/2000 MTGE 2618483 OR 2661 2536 3 T:COLLIER COUNTY NAPLES MANOR EXTN AMEND PLAT BLK 5 LT 5 V F:TREJO CATALINA REP 6/21/2012 PROBATE 4709159 OR 4809 2296 1 ,s T:TREJO CIRINO EST V F:TREJO CIRINO TREJO T:MORTGAGE ELECTRONIC REGISTRATION SYSTEMS INC 3/31/2021 MODIFY 6028401 OR 5917 3679 9 S T:PENNYMAC LOAN SERVICES LLC NAPLES MANOR EXTENSION BLOCK 5 LOT 32 V tY F:RAMTAHAL RAMQOOLAIRE 7/7/2017 DEED 5426508 OR 5412 3895 2 a T:TREJ0 CINDY CASTELLAN T:TRE70 CIRINO TRE30 NAPLES MANOR EXTENSION REPLAT BLOCK 5 LOT 32 V F:TREJO CINDY CASTELLAN 7/7/2017 MTGE 5426509 OR 5412 3897 13 F_TRE70 CIRINO TREJO y T:AMERICAN EAGLE MORTGAGE OF FL LLC T:MORTGAGE ELECTRONIC REGISTRATION SYSTEMS INC NAPLES MANOR EXTENSION REPLAT BLOCK 5 LOT 32 V Return to Search a Packet Pg. 1813 c (s96e6:PoW }o uol;Oe;sgeS dIHS OSSOZ) ofaal-WOS sooa dnMoug :;u9wgoe44y o ry a O d U M 4-J a N �_ O id N LO 4) LLI ❑ o O a--J L _ `o U 0 0 0 � ^ w rs m E � QJ y y p Cl) cc ~Qt �T ❑ cc % O N Cl O u N v U Q) U %m C 4-J m 4J x to X y o Q. T -o m ©LO ^ h- T m a n o n is N U 0 N � L X oo Q U y- O U a' 0) O i V L co O Q fu U II c6 a)�'� N -j >_ o N `o U \ N 2 N V N o Q) o m o m a. Z HT L O O all CD T T d O -0 i (a !- 0 <n ci a o`z. z o 0� c (s96e6:PoW }o uol;Oe;slluS dIHS OSSOZ) ofaal-WOS sooa dnMoug :;uauayoe;;y LO 0 C a Y U a co 20 co c0 N LO N p M N � N a Q. _ G 0 G W j 43 2 O a 15 m c � E m a m o 0 m a a `m m a rri c rn m N N U G O U +n ID � U � � U o n m � tq w C N O p N � a Q m a 0 a V� 2546465 OR: 2603 PG: 2985 OBLD 2500.00 earn: OBLI 2400.90 P.CTION TITLE CC RECORDED in the OINCIAL RECORDS of COLLIER COUNTY, •°� RIC 181 19,50 PICK UP 10;121;1999 at 02:081iN DYIGHT 1, BROCK, CLEEK CCC-.3S a.1S 24d mortgage form O SECOND MORTGAGE THIS SECOND MORTGAGE ('Security Instrument") is given on October . 1999 The Second Mortgagor is Alfredo Villagoaez and Maria Villagoaez,II,. 'A'A . t-j ' r ('Borrower'). This Security Instrument is given to Collier County (-Lender'), which is organized and existing under the laws of the United States of America, and whose address is 2800 North Horseshoe Drive, Naples, Florida 34014 . Borrower owes Lender the sum of TWO THOUSAND FIVE HUNDRED AND NO/ 100THS DOLLARS (U.S. i 2 , 500. 00 ). This debt is evidenced by Borrowers Note dated the same dale as this 'ty Irweu nt (-Second wcxtgage'), wh ch provides for monthly payments, with the full debt, if not paid earlier, due and payable on sale of property refinance or loss of homestead exeaption This Security Instrument secures to Lender: (a) the repayment of the debt evidenced by the Note, with Interest, and all renewals, extensions and modifications; (b) the payment of all other sums, with interest advanced under paragraph 7 to protect the security of the Security Instrument' and (c) the performance of Borrowers covenants and agreements under this Security Instrument and the Note. For this purpose, Borrower does hereby second mortgage, grant and convey to Lender the following described property located in Collier County, Florida. As more particularly described LOT 1, BLOCK C. IMMOKALEE HIGHLANDS, and which has the address of: (*Property Address'): ` XXXX SANTA ROSA AVENUE Tamokalee Florida 34142 -1rrAr�lrnr-- TOGETHER WITH ea tmprovements ---rsnows a hereafter erected on the property, and all easements, rights, appurtenances, rents, royalties, mineral, al and gas rights and profits, water rights and stock and all fixtures now or hereafter a part of the properly. All replacements and `46601s shall also be covered by the Security Instrument. All of the foregoing is referred to in this Security Instrument as the 'Property". BORROWER COVENANTS that Borrower is lawfully seized of the estate hereby conveyed and has the right to mortgage, grant and convey the Property and that the Property is unencumbered, except for encumbrances of record. Borrower warrants and will defend generally tine title to the Property against all claims and denhands, subject to any encumbrances of record. THIS SECURITY INSTRUMENT comb rice unifa'm covenants for national use and non -uniform covenants with limited variation by jurisdiction to comstitule a uniform security instrument covering real property. UNIFORM COVENANTS. Borrower and4Lerx3er covenant and agree as follows: 1 Psymsnt of Prlrnclpal and Irttsrest (firsPaytnstllt and Late Charges. Borrower shall promptly pay when due the principal of and interest on tthe debt evidenced by tftNote.= q, jytq. The Mortgagor will pay all taxed a�ti@$�tin�r.(s. sewer rents or water rates prior to the accrual of any penalties or ry la O O c O v JT y i+ R U) IL N interest thereon. s o The Mortgagor shall pay or cause to be paid, as the same respectively become due, (AN1) all taxes and governmental m �* charges of any kind whatsoever which may at any time be lawilty,ass@ssed or levied against or with respect to the Property, (2) all Q utility and other charges, including 'service charges', incurred or imposed for the operation, maintenance, use, occupancy, upkeep and improvement of the Property, and (3) all assessments a her goyerkimental charges that may lawfully be paid in installments assessments N over a period of years, the Mortgagor shall be obligated under the Mortgage to pay a cause to be paid only such installments as are y required to be paid during the term of the Mortgage, and shall, promptly after the payment of any of the foregoing, forward to c Mortgagee evidence of such payment. J. Application of Payments. Unless applicable law provides otherwise, all payments received by Lender shall be applied; m first, to interest due: and, to principal due: and last, to any late charges due under the Note. 4. Charges: Lions. Borrower shall pay all lazes, assessments'. merges, fines and impositions attributable to the Property which may attain priority over this Security Instrument, and leasehold payments or ground rents, if any. Borrower shall promptly O furnish to Lender all notices of amounts to be paid under ilea paragraph, and all receipts evidencing the payments. N reel in Borrow shall promptly d sc herge any lien which has priority over this Security Instrument unless Borrower. (a) ag writing to the payment of the obligation seared by the lien in a manner acceptaba% Lender; (b) contests in goal faith the lien by, or c .jdefsnds against enforcement of the lien in, legal proceedings which in the Lenders opinion opsrale to prevent the enforcement of the Non; or (c) seClNes from the hokler of the lien an agreement satisfactory to Lender subordinating the lien to this Security Instrument. If p 3 Lender determines that any part of the Property is subject to a lien which may attain priority over the Security Instrument, Lender may Borrower a notice identifying the lien. Borrower shall satisfy the lien or take one or more of the actions set forth above within 10 .Y O R give days of the giving of notice. 5 ' -. 5, Huard or Property Insurance, Borrower shall keep the improvements now exW4i0"dr hereafter erected on the "extended and any other hazards, including floods or m c Property insured against loss by fire, hazards included within the term coverage' flooding for which Lender requires Insurance. This insurance shall be maintained in the amounts and`forperiods that Lender m'the 4) requires. The insurance tamer providing the insurance shall be chosen by Borrower subject to Lendees'approval which stall not be unreasonably withheld, if Borrower fails to maintain coverage described above, Lender may, at Lenders option, obtain coverage to t V protect Larders rights in the Property in accordance with paragraph 7. At all times that the Note Is outstande)g, the Mortgagor shall risks and for such amounts as are customarily msuted against and pay. V Q maintain insurance with respect to the Premises against such as the same becorne due and payable, all premiums in respect thereto, includi;tg, but not limited to, all-nsk`insurance, protecting the interests of the Mortgagor and Mortgagee against lugs or damage to the Premises by fire, lightning, and other casualties customanly insured against (including boiler explosion, H 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 fourndabons. AN insurance policies and renewals shall be acceptable to Lender and shall include a standard mortgage clause. Lender If Lender requires, Borrower shall promptly give to Lender all receipts of paid shall have the right to told the policies and renewals. premiums and renewal notices. In the event of loss, Borrower shall give prompt notice to the insurance earner and Lender. Lender may make proof of loss if not made promptly by POrrower. Unless Lender and Borrower otherwise agree in writing, insurance proceeds shall be applied to restoration or repair of the Property damaged, if the restoration of repair is economically feasible and Lenders security is not lessened. If the restoration or repair is not economically feasible or Lenders security would be lessened, the insurance proceeds shall be applied to the sums secured by the Security Instrument, whether or not then due, with any excess paid to Borrower. If Borrower abandons the Property, or does not answer within 30 days a notice from Lender that the insurance carrier has offered to settle a claim, then Lender may collect the insurance proceeds, Lender may use the proceeds to repair or restore the Property or to pay sums secured by this or not then due. The 30-day period will begin when the notice is mailed. Unless Lender and Borrower Seaxity Instrument, whether 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. Maintenance and Protection of Ow Property; Borrowers Loan Application, Leaseholds. G. Occupancy, Preservation, Borrower shalt occupy establish and use the Property as Borrowers principal residence within sixty days after the execution of this Security Instrument and shall continue to occupy the Property as Borrowers principal residence for at least one year after the date of occupancy, unless Lender otherwise agrees in writing, which consent shall not be unreasonably withheld, or unless extenuating beyond Borrowers control. Borrower shall not destroy, damage or impair the Property, allow the circumstances exist which are Property to detetiorate or commit waste on the Property. Borrower shall be in default if any forfeiture action or proceedi Packet Pg. 1816 OR; 2603 PG; 2986 16.D.13.o 2°d mortgage form O civtl or criminal, is begun that in Lender's good faith judgment could result in forfeiture of the Property or otherwise materially impair the lien created by this Security Instrument or Lender's security interest. Borrower may cure such a default and reinstate, as provided in paragraph 18, by causing the action or proceeding to be dismissed with a ruling that, in Lender's good faith determination, precludes forfeiture of the Borrowers interest in the Property or other materal impairment of the lien created by this Security Instrument or Lender's security interest. Borrower shall also be in default if Borrower, during the loan application process, gave materially false or inaccurate Information or statements to Lender (or failed to provide Lender with any material information) in connection with the loan evidenced by the Note, including, but not limited to, representations concerning Borrower's occupancy of the Property as a pnriapal 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. T. Protection of Lender's Rights In the Property, If Borrower fails to perform the covenants and agreements contained in this Security instrument, or there is a legal proceeding that may significantly affect Lender's rights in the Property (such as a proceeding in bankruptcy, probate, for condemnation or forfeiture or to enforce laws or regulations), then Lender may do and pay for whatever is necessary to protect the value of the Property and Lender's rights in the Property. Lender's actions may include paying any suns secured by a lien which has priority over this Security Instrument, appearing in court, paying reasonable attorneys' fees and entering on the Property to make repairs. Although Lender may take action under this paragraph 7, Lender does not have to do so. Any amounts disbursed by Lender under this paragraph 7 shall became 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 theIortgage insurance previously in effect, at a cost substantially equivalent to the cost to Borrower of the mortgage insurance previously In affect, from an alternate mortgage insurer approved by Lender. If substantially equivalent mortgage insurance coverage is not available, Borrower shall pay to Lender each month a sum equal to one -twelfth of the yearly mortgage insurance premium being paid by Borrower when the insurance coverage lapsed or ceased to be in effect. Lender will accept, use ayi and retain these payments as a loss reserve in lieu of mortgage insurance. Loss reserve payments may no longer be required, at the option of Lender, it mortgage insurance coverage (in the amount and for the period that Lender requires) provided by an insurer `o approved by Lender again becornes 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. p 9. Inspection. Lender or its agenmay make reasonable entries upon and inspections of the Property Lender shall give Borrower notice at the time of or prior tc[en igspejction specifying reasonable cause for the inspection 10. Coodiemnabon. The proceeds any award or claim for damages, direct or consequential, in connection with any C condemnation of other taking of any part of t, Property, or for conveyance in lieu of condemnation, are hereby assigned and shall be paid to Lender. In the event of a total taklrtg' the Property, the proceeds shall be applied to the sums secured by this Security MAropery, „ m w Instrument, whether or not then due, with any exe S paf� t0 Borrower. In the event of a partial taking of the Property, the U) fair market value of the Property immediately before t(te eking is equal to or greater than the amount of the sums secured by this IL Security Instrument immediately before the taking, •unless Bdnower and Lender otherwise agree in writing, the sums secured by this = Security Instnxnent shall be reduced by the amount of the proceeds multiplied by the following fraction: (a) the total amount of the rn sums secured immediately before the taking, divided by (b) the fair market value of the Property immediately before the taking. Any balance shall be paid to Borrower. In the event of a partial taking of the Property in which the fair market value of the Property N immediately before the taking is less than the amount of the sums secured immediately for the taking, unless Borrower and Lender c otherwise agree in writing or unless applicable law otherwise vides,`the proceeds shall be applied to the sums secured by this v Security Instrument whether or not the sums are then due. Uniss'Lender and Borrower otherwise agree in writing, any application of proceeds to pnncipal shall not extend or postpone the due date of the m&-ply payments referred to in paragraphs 1 or change the d amount of such payments. 11. Borrower Not Released, Forbearance By Lender N Extension of the time for payment or modification of E at _t1MAivi►. amortization of the sums secured by this Security Instrument granted �jkoh lef to any successor in interest of Borrower shall not operate to release the liability of the original Borrower or Borrowers successors in interest. Lender shall not be required to commence me of otherwise modify amortization of the sums proceedings against any successor in interest or refuse to extend itme It Jp the Instrument by demand made by th�ssrilytnal,Borrower or Borrower's successors in interest. 0 secured by this Security reason of any Any forbearance by Lender in exercising any right or remedy shall not be a waiverof or preclude the exercise of any right or remedy. U) 12. Successors and Assigns Bound; Joint and Several LlabllltyA,Ao=Signers. The covenants and agreements of this y Security Instrument shall bind and benefit the successors and assigns of Lender and Borrower, subject to the o Provisions of paragraph 17. Borrower's covenants and agreements shalt be joint andal. Any Borrower who co-signs this p Security Instrument but does not execute the Note; (a) is co-signing this Security InitrUmentonly to mortgage, grant and convey that u Borrowers interest in the Property under the terns of this Security Instrument. (b) is not personally obligated to pay the sums secured by this Security Instrument; and (c) agrees that Lender and any other Borrower may agree -to ext tit, modify, forbear or make any accommodations with regard to the terms of this Security Instrument or the Note without that Borroweir's consent. Charges. If the loan by this Security Instrument is subject I, i aw hteh ets maximum loan charges, m 13. Loan secured and that law is finally mterprutud so that the interest or other loan charges collected or to be cult cted if cuureclron with the Ivan exceed the permitted limits, then. (a) any such ken charge shall be reduced by the amount necessa to ripduce the charge to the m pemwned limit; and (b) any sums already collected from Borrower which exceeded permitted limds'wlll I re nded to Borrower. s Lander may choose to make this refund by reducing the principal owed under the Note or by making a dtpgyment to Borrower. If y a refund reduces principal, the reduction will be treated as a partial prepayment without any prepayment chlaroe under the Note. 14. Notices. Any notice to Borrower provided for in this Security Instrument shall be given by deiivehm�ftt or by mailing it by Q 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. if. Oov"ng Law; Severabillty. This Security instrument shall be governed by federal law and the law of the jurisdiction in which the Property is located. In the event that any provision or clause of this Security Instrument or the Note conflicts with applicable law, such conflict shall not affect other provisions of this Security Instrument or the Note which can be given effect without the conflicting provision. To this end the provisions of this Security Instrument and the Note are declared to be severable. 16. Borrower's Copy. Borrower shall be given one conformed copy of the Note and of this Security Instrument. 17. Transfer of the Property or a Beneficial Interest in Borrower. If all or any part of the Property or any interest in it is sold or transferred (or it a beneficial interest in Borrower is sold or transferred and Borrower is not a natural person) without Lender's prior written consent, Lender may, at its option, require immediate payment in full of all sums secured by this Security Instrument. However, this option shall not be exercised by Lender if exercise is prohibited by federal law as of the date of this Security Instrument If Lender exercised this option. Lender shall give Borrower notice of acceleration. The notice shall provide a period of not less than 30 days from the date the notice is delivered or mailed within which Borrower must pay all sums secured by this Security Instrument. If Borrower fails to pay these sums prior to the expiration of this period, Lender may invoke any remedies permitted by this Security Instrument without further notice or demand on Borrower. 18. Borrower's Right to Reinstate. If Borrower meets certain cond.tions, 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 0 no acceleration had occurred; (b) cures and default of any other covenants or agreements; (c) pays all expenses incurred in enforcing this Security Instrument, including, but not limited to, reasonable attomey's fees; and (d) takes such action as Lender may reasonably require to assure that the lien of this Security Instrument, Lender's rights in the Property and Borrowers obligation to pay the sums secured by this Security Instrument shall continue unchanged. Upon reinstatement by Borrower, this Security Instrument and the obligations secured hereby shall remain fully effective as it no acceleration had occurred. However, this right to reinstate shall not apply in the case of acceleration under paragraph 2 1 Packet Pg. 1817 2" morc form O OR: 2603 PG: 2981 16.D.13.o &a6e 18. Sale of Note; Change of Loan Servicer. The Note or a partial interest in the Note (together with this Security Instrument) may be sold one or more times without prior notice to Borrower A sale may result in a change in the entity (known as the "Loan Servicer") that collects monthly payments due under the Note and this Security Instrument There also may be one or more changes of the Loan Servicer unrelated to a sale of the Note If there is a change of the Loan Servicer, Borrower will be given written notice of the change in accordance with paragraph 14 and applicable law. The notice will state the name and address of the new Loan Servicer and the address to which payments should be made. The notice will also contain any other information required by applicable law 20. Hazardous Substances. Borrower shall not cause or permit the presence, use, disposal, storage, or release of any Hazardous Substances on or in the Properly. Borrower shall not do, nor allow anyone else to do, anything affecting the Property that is in violation of any Environmental Law. The preceding two sentences shall not apply to the presence, use, or storage on the Property of small quantities of Hazardous Substances that are generally recognized to be appropriate to normal residential uses and to maintenance of the Property. Borrower shall promptly give Lender written notice for any investigation, claim, demand, lawsuit or other action by any governmental or regulatory agency or private party involving the Property and any Hazardous Substance or Environmental Law of which Borrower has actual knowledge, If Borrower learns, or is notified by any governmental or regulatory authority, that any removal or other remediation of any Hazardous Substance affecting the Property is necessary, Borrower shall promptly take all necessary remedial actions in accordance with Environmental Law. As used in this paragraph 20, 'Hazardous Substances" are those substances defined as toxic or hazardous substances by Environmental Law and the following substances: gasoline, kerosene, other Flammable or toxic petroleum products, toxic pesticides and herbicides, volatile solvents, materials containing asbestos or formaldehyde, and radioactive materials. As used in this paragraph 20, 'Environmental Law" means federal laws and laws of the jurisdiction where the Property is located that relate to health, safety or environmental protection. 21. Acceleration; Remedies. Lender 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 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 night to reinstate after acceleration and the right to assert in the foreclosure proceeding the non-existence of a default or any other defense of Borrower to acceleration and foreclosure. It the default is not cured on or before the date specified in the notice, Lender, at its option, may require immediate payment in full of all sums secured by this Security Instrument without further demand and may foreclose this Security Instrument by judicial proceeding. Lender shall be entitled to collect all expenses incurred in pursuing the remedies provided in this paragraph 21. including, but not limited to, reasonable attomel/s fees and costs of the title evidence. 22. Relelass. Upon payment .of,all sums secured by this Security Instrument, Lender shall release this Secunty Instrument, without charge, to Borrower. 'Borrower shall pay any recordation costs. 23. Attotmeys' 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 it the riders) were a part of this Security Instrument. (Check Applicable Box) ?.; EJ Adjustable Rate Rider `"RBte provement Rider Condominium Rider r—, Graduated Payment Rider 1 amRider L I Second Home Rider ❑ Balloon Rider I --I BtYment Rider u Planned Unit Development Rider EJ Other(s) (specify ` `a SIGNING BELOW, Borrower accepts and agrees to the terms and venahts4contained in this Security Instrument and in any rider(s) executed by Borrower and recorded with it. Signed, sealqd prid delivered in the presence off Witness#1: 1 Signature. i OXENDER Borrower A45 Villagomez Signature: _ Witness#2: Signature: t (A . - Co -Borrower Mara.V''',agomez Signature. Address: 2101 Bell CiteNi ImmokaNe, FL 34142 STATE OF Florida COUNTY OFaII_� 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 Alfredo Villagomez and Maria Villagomez to me known to be the person(s) described in and who executed the foregoing instrument and acknowledged before me that (Hat shel they) executed the same for the purpose therein expressed. j WITNESS my hand and official seal in the Count and State afa aid this day of O My Commission Expires:_ (Seal) Notary Ptpids Signature VERY A O)(FNDFA -- --- Notary's Printed Name t3i , A QxENDEr No CC663963 Rd+�h Kn b I Otlw ! 0 LO rn 0 N N N 0 rn is O rn Packet Pg. 1818 *** OR: 2603 PG: 2988 16.D.13.o EXHIBIT "A" LOT 1, BLOCK C, IMMOKALEE HIGHLANDS, ACCORDING TO THE PLAT THEREOF, OF RECORD IN PLAT BOOK 7, PAGE 1, OF THE PUBLIC RECORDS OF COLLIER COUNTY, FLORIDA. Packet P9. 1819 Collier County Property Appraiser Property Summary Site 1204 Parcel No 51241440009 Address SANTA Site City IMMOKALEE *Disclaimer ROSA AVE Name/Address VILLAGOMEZ, MARIA R 1204 SANTA ROSA AVE 16.D.13.o Site Zone 341 *Note as City IMMOKALEE State I FL I Zip 34142-2841 a� t= 0 Map No. Strap No. Section Township Range Acres *Estimated 2 1 E33 417700 C 11 E33 33 46 1 29 1 0.36 0 0 Legal IMMOKALEE HIGHLANDS BLK C LOT 1 Millage Area v 5 Millage Rates v *Calculations N Sub./Condo 417700 - IMMOKALEE HIGHLANDS School Other Total a Use Code O 1 - SINGLE FAMILY RESIDENTIAL 4.889 9.9108 14.7998 x m Latest Sales History 2021 Certified Tax Roll 0 o Not all Sales are listed due to Confidentiality) (Subject to Change) Date Book -Page Amount 10/21/99 2603-2976 $ 15,000 09/14/98 2460-3052 $ 15,000 02/10/94 1913-870 $ 10,000 04/01 /92 1701-1161 $ 0 10/01/89 1 1479-513 $ 0 Land Value $ 13,6! +� Improved Value $ 112,7! (_) Market Value $ 126,4! (-) Save our Home $ 47,611 (_) Assessed Value $ 78,81 (-) Homestead $ 25,01 (-) (_) (-) (_) Widow(er) School Taxable Value Additional Homestead Taxable Value $ 51 $ 53,31 $ 25,01 $ 28,31 N N E 0 a) 0 W 0 c a Y m If all Values shown above equal 0 this parcel was created after the w Final Tax Roll E t 0 Q Packet Pg. 1820 16.D.13.p Prepared by Karina Bardales Collier County Community and Human Services 3339 E. Tainiami 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 Rafael A. & Creseencia H. AlZuiar to COLLIER COUNTY, dated August 23rd 2001 and recorded on Austust 28"', 2001 in Official Records Book 2883 Paize 0080 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 }property described in the aforementioned mortgage. �COLLIER COUNTY hereby acknowledges satisfaction of said Mortgage, and surrenders the sa.tne 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 Agenda Item Number 16.D. ATTEST: CRYSTAL K. KINZEL, CLERK , DEPUTY CLERK Approval for form and legality: Jennifer A. Belpedio Assistant County Attorney �A BOARD OF COUNTY COMMISSIONERS OF COLLIER COUNTY, FLORIDA LOW PENNY TAYLOR, CHAIRPERSON Packet Pg. 1821 16.D.13.p Prepared by Karina Bardales Collier County Community and Human Services 3339 E. Tarniami 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 Callie Pearl Allen to COLLIER COUNTY, dated September 29th, 1995 and recorded on April 19"', 1996 in Official Records Book 2173 PaLle 0650 of the Public Records of Collier County, .Florida, securing a principal sutn of $14,250.00 and certain promises and obligations set forth in said Mortgage, upon the property described in the aforementioned mortgage. COLLIER COUNTY hereby acknowledges satisfaction of said Mortgage, and surrenders the same as cancelled, and hereby directs the Clerk of said Circuit Court to cancel the saute of record. This Satisfaction of Mortgage was approved by the Board of County Commissioners on Agenda Item Number 16.D. ATTEST: CRYSTAL K. KINZEL, CLERIC LOW , DEPUTY CLERIC Approval for form and legality: Jennifer A. Belpedio Assistant County Attorney BOARD OF COUNTY COMMISSIONERS OF COLLIER COUNTY, FLORIDA LIM PENNY TAYLOR, CHAIRPERSON Packet Pg. 1822 16.D.13.p Prepared by Karina Bardaies Collier County Community and Human Services 3339 E. Tamiami Trail Naples, FL 34112 THIS SPACE FOR RECORDING SATISFACTION OF MORTGAGE KNOW ALL MEN BY THESE PRESENTS: That COLLIER COUNTY, whose post office address is 3299 E TAMIAMI TRAIL, NAPLES, FLORIDA 341.12, the owner(s) and holder(s) of a certain Mortgage executed by Cynthia Alvarado to COLLIER COUNTY, dated August,27", 2004 and recorded on October 20", 2004 in Official Records Book 3664 Pame 0753 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 described in the aforementioned mortgage. ',COLLIER COUNTY hereby acknowledges 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 Agenda Item Number 1 6.D. ATTEST: CRYSTAL K. KINZEL, CLERIC M. , DEPUTY CLERK Approval for form and legality: Jennifer A. Belpedio Assistant County Attorney BOARD OF COUNTY COMMISSIONERS OF COLLIER COUNTY, FLORIDA By: PENNY TAYLOR, CHAIRPERSON Packet Pg. 1823 16.D.13.p Prepared by: Karina Bavdales Collier County Community and Human Services 3339 E. Tarniaini Trail Naples, Fl, 34112 THIS SPACE FOR RECORDING SATISFACTION OF MORTGAGE Is'NOW 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 Sara Buenrostro to COLLIER COUNTY, dated August 23rd, 2001 and recorded on August 30"', 2001 in Official Records Boob 2884 Page 0438 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 property described in the aforementioned mortgage. ,COLLIER COUNTY hereby acknowledges 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 Agenda Item Number 16.D. ATTEST: CRYSTAL K. KINZEL, CLERK f: , DEPUTY CLERK Approval for form and legality: Jennifer A. Beipedio Assistant County Attorney �✓ e` BOARD OF COUNTY COMMISSIONERS OF COLLIER COUNTY, FLORIDA PENNY TAYLOR, CHAIRPERSON Packet Pg. 1824 16.D.13.p Prepared by Karina Bardales Collier County Community and I luman Services 3339 E.'l'amiami Trail Naples, Ft, 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 exccuted by Ranuel Crist)in to COLLIER COUNTY, dated October 12th 2000 and recorded on October 18"', 2000 in Official Records Book 2733 Page 2721 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 properly described in the aforementioned mortgage. ,COLLIER COUNTY hereby acknowledges 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 , Agenda Item Number 16.D. ATTEST; CRYSTAL K. KINZEL, CLERK By: , DEPUTY CLERIC Approval for form and legality: Jennifer A. Belpedio Assistant County Attorney BOARD OF COUNTY COMMISSIONERS OF COLLIER COUNTY, FLORIDA LOW PENNY TAYLOR, CHAIRPERSON 2 T A11) Packet Pg. 1825 16.D.13.p Prepared by Karina Bardales Collier County Community and Human Services 3339 E. Tamiami Trail Naples, FL 34112 THIS SPACE FOR RECORDING SATISFACTION OF MORTGAGE KNOW ALL MEN BY THESE PRESENTS: That COLLIER COUNTY, whose post office address is 3299 E TAMIAMI TRAIL, NAPLES, FLORIDA 34112, the owner(s) and holder(s) of a certain Mortgage executed by Ernesto Estrada Diaz to COLLIER COUNTY, dated August I8"' , 2017 and recorded on August 22nd, 2017 in Official_ Records Book 5427 Page 2565 of the Public Records of Collier County, Florida, securing a principal sun of $20,000.00 and certain promises and obligations set forth in said Mortgage, upon the property described in the aforementioned mortgage. 'COLLIER COUNTY hereby acknowledges 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 Agenda Item Number 1 6.D. ATTEST: CRYSTAL K. KINZEL, CLERK By: , DEPUTY CLERK Approval for form and legality: Jennifer A. Belpedio Assistant County Attorney BOARD OF COUNTY COMMISSIONERS OF COLLIER COUNTY, FLORIDA PENNY TAYLOR, CHAIRPERSON Packet Pg. 1826 16.D.13.p Prepared by Karina Bardales Collier County Community and Human Services 3339 E. Tamiarni Trail Naples, FL 34112 THIS SPACE FOR RECORDING SATISFACTION OF MORTGAGE KNOW ALL MEN BY T14ESE PRESENTS: That COLLIER COUNTY, whose pbst office address is 3299 E TAMIAMI TRAIL, NAPLES, FLORIDA 34112, the owner(s) and holder(s) of a certain Mortgage executed by Guillermo Fernandez Molina to COLLIER COUNTY, dated July 15th2011 and recorded on July 26"', 2011 in Official Records Book 4704 Page 2733 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 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 Agenda Item Number 16.D. ATTEST: CRYSTAL K. KINZEL, CLERK , DEPUTY CLERK Approval for form and legality: Jennifer A. Belpedio Assistant County Attorney BOARD OF COUNTY COMMISSIONERS OF COLLIER COUNTY, FLORIDA PENNY TAYLOR, CHAIRPERSON Packet Pg. 1827 16.D.13.p Prepared by Karina Bat -dates Collier County Community and Human Services 3339 E. Tamiami Trail Naples, FL 34112 THIS SPACE FOR RECORDING SATISFACTION OF MORTGAGE KNOW ALL MEN BY THESE PRESENTS: That COLLIER COUNTY, whose post office address is 3299 E TAMIAMI TRAIL, NAPLES, FLORIDA 34112, the owner(s) and holder(s) of a certain Mortgage executed by Eddy Garcia and Enerilys Herrera de Garcia to COLLIER COUNTY, dated Januaity_25th, 2013 and recorded on January 30`" 2013 in Official Records Book 4880 Pa a 1097 of the Public Records of Collier County, Florida, securing a principal sum of $20,000.00 and certain promises and obligations set forth in said Mortgage, upon the property described in the aforementiotied mortgage. ;COLLIER COUNTY hereby acknowledges 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 , Agenda Item Number 16.D. ATTEST: CRYSTAL K. KINZEL, CLERK itz , DEPUTY CLERK Approval for form and legality: Jennifer A. Belpedio Assistant County Attorney BOARD OF COUNTY COMMISSIONERS N OF COLLIER COUNTY, FLORIDA O co a x By: PENNY TAYLOR, CHAIRPERSON E s a Packet Pg. 1828 16.D.13.p Prepared by Karina Bardales Collier County Conitnunity and Human Services 3339 F. Tamiacni 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 .)lose Lopez & Mania A. Lopez to COLLIER COUNTY, elated July 29th, 1999 and recorded on Axiaustt66"`, 1999 in Official Records Book 2579 Page 0983 of the Public Records of Collier County, Florida, securing a principal srun of $2,500.00 and certain promises and obligations set forth in said Mortgage, upon the property described in the aforementioned mortgage. !COLLIER COUNTY hereby acknowledges 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 Agenda Item Number 1 6.D. ATTEST: CRYSTAL K. KINZEL, CLERK By: , DEPUTY CLERK Approval for form and legality: Jennifer A. Belpedio �` , Assistant County Attorney �1,, BOARD OF COUNTY COMMISSIONERS OF COLLIER COUNTY, FLORIDA PENNY TAYLOR, CHAIRPERSON Packet Pg. 1829 16.D.13.p Prepared by Karina Bardales Collier County Co1i1munity and Human Services 3339 B. `ratnia►ni Trait Naples, FL 34112 'PHIS 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 Jose Concepcion Meza to COLLIER COUNTY, elated March 28th, 2000 and recorded on March 29"', 2000 in Official Records Boole 2656 Page 3285 ofthe 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 property described in the aforementioned mortgage. ;COLLIER COUNTY hereby acknowledges satisfaction of said Mortgage, and surrenders the sauce 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 Agenda Item Number 16.D, ATTEST: CRYSTAL K. KINZEL, CLERK By: , DEPUTY CLERK - Approval for form and legality: Jennifer A. Belpedio Assistant County Attorney BOARD OF COUNTY COMMISSIONERS OF COLLIER COUNTY, FLORIDA PENNY TAYLOR, CHAIRPERSON Packet Pg. 1830 16.D.13.p Prepared by: Karim 13ardales Collier County Community and Human Services 3339 E. Tamiami 'trail Naples, Fl, 34112 THIS SPACE FOR RECORDING SATISFACTION OF MORTGAGE KNOW ALL MEN BY THESE PRESENTS: That COLLIER COUNTY, whose post office address is 3299 E TAMIAMI TRAIL, NAPLES, FLORIDA 34112, the owner(s) and holder(s) of a certain Mortgage executed by Pedro R. Ramirez & Margarita Lopez de Ramirez to COLLIER COUNTY, elated August 23rd, 2001 and recorded on September 5th, 2001 in Official Records Boob 2886 Pa e 3041 of the Public Records of Collier County, Florida, securing a principal suns of $2,500.00 and certain promises and obligations set forth in said Mortgage, upon the property described in the aforementioned mortgage. 'COLLIER COUNTY hereby acknowledges 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 , Agenda Item Number 16.D. ATTEST: CRYSTAL K, KINZEL, CLERK , DEPUTY CLERK Approval for form and legality: BOARD OF COUNTY COMMISSIONERS OF COLLIER COUNTY, FLORIDA IN aq Jennifer A. Belpedio ` V Assistant County Attorney Al .PENNY TAYLOR, CHAIRPERSON Packet Pg. 1831 16.D.13.p Prepared by Karina Bardales Collier County Community and Human Services 3339 E. Tamiami Trail Napless, FL 34112 T1-11S SPACE FOR RECORDING SATISFACTION OF MORTGAGE KNOW ALL MEN BY THESE PRESENTS: That COLLIER COUNTY, whose host office address is 3299 L TAMIAMI TRAIL, NAPLES, FLORIDA 34112, the owner(s) and holder(s) of a certain Mortgage executed by Damacene Relavie & Cemene Relavic to COLLIER COUNTY, dated June 15th, 2001 and recorded on June 22nd, 2001 in Official Records Book 2846 Paste 2942 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 property described in the aforementioned mortgage. 'COLLIER COUNTY hereby acknowledges satisfaction of said Mortgage, and surrenders the sage 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 Agenda Item Number 16.D. ATTEST: CRYSTAL K. KINZEL, CLERK , DEPUTY CLERK Approval for form and legality: Jennifer A. Belpedio Assistant County Attorney BOARD OF COUNTY COMMISSIONERS OF COLLIER COUNTY, FLORIDA PENNY TAYLOR, CHAIRPERSON Packet Pg. 1832 16.D.13.p Prepared by: Karina Bardales Collier county Coaununity and ilusnan Services 3339 E. Tamianii 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 Michelle Ross to COLLIER COUNTY, dated June 15", 2001 and recorded on June 18"' 2001 in Official Records Book 2844 Palle 1781 of the Public Records of Collier County, Florida, securing a principal stun of $2 00.00 and certain promises and obligations set forth in said Mortgage, upon the property described in the aforementioned mortgage. yCOLLIER COUNTY hereby acknowledges 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 Agenda Ite€n Number 16.D. ATTEST: CRYSTAL K. KINZEL, CLERK IN , DEPUTY CLERK Approval for form and legality: Jennifer A. Belpedio Assistant County Attorney BOARD OF COUNTY COMMISSIONERS OF COLLIER COUNTY, FLORIDA UN PENNY TAYLOR, CHAIRPERSON Packet Pg. 1833 16.D.13.p Prepared by: Karina 13ardates Collier County Community and Human Services 3339 E. 1'amian)i 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 owners) and holder(s) of a certain Mortgage executed by Cirino Trejo to COLLIER COUNTY, dated March 31', 2000 and recorded on April 101", 2000 in Official Records Book 2661 Pale 2536 of the Public Records of Collier County, Florida, securing a principal sun of $2,500.00 and certain promises and obligations set forth in said Mortgage, upon the property described in the aforementioned mortgage. ,COLLIER COUNTY hereby acknowledges 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 Agenda Item Number 16.D. ATTEST: CRYSTAL K. KINZEL, CLERK , DEPUTY CLERK Approval for form and legality: Jennifer A. Belpedio Assistant County Attorney BOARD OF COUNTY COMMISSIONERS OF COLLIER COUNTY, FLORIDA By: PENNY TAYLOR, CHAIRPERSON �.W Packet Pg. 1834 16.D.13.p Prepared by Karina Bardales Collier County Community and Homan 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 3411.2, the owner(s) and holder(s) of a certain Mortgage executed by Alfredo Villamomez and Maria Villallomez to COLLIER COUNTY, dated October 18"',1999 and recorded on October 21",1999 in Official Records Boole 2603 Page 2985 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 property described in the aforementioned mortgage. ,COLLIER COUNTY hereby acknowledges satisfaction of said Mortgage, and surrenders the same as cancelled, and hereby directs the Cleric of said Circuit Court to cancel the same of record. This Satisfaction of Mortgage was approved by the Board of County Commissioners on Agenda Item Number 1 6.D. ATTEST: CRYSTAL K. KINZEL, CLERK , DEPUTY CLERK Approval for form and legality: Jennifer A. Belpedio Assistant County Attorney BOARD OF COUNTY COMMISSIONERS OF COLLIER COUNTY, FLORIDA LION PENNY TAYLOR, CHAIRPERSON Packet Pg. 1835 (ems B:PoW uo|o� ns|e�S d HS:OSOZ �r#4z�t,6 ZL $d¥S:}ewt43L' n¥ / � 00 k a � k ±66 * a �kk\k22� §§ �\\\\ � 2 j§� ;2=m ;i$! 2�E §\\ma iwf0 ZLA Ln §