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Agenda 09/27/2022 Item #16D 2 (Support the affordability of housing in Collier County through State Housing Initiatives Partnership down payment and emergency repair and rehabilitation assistance programs)09/27/2022 16.D.2 EXECUTIVE SUMMARY Recommendation to approve and authorize the Chairman to sign two (2) mortgage satisfactions for the State Housing Initiatives Partnership loan program in the amount of $23,000 and approve the associated Budget Amendment to appropriate repayment amount totaling $23,000. (SHIP Grant Fund 791) OBJECTIVE: To support the affordability of housing in Collier County through State Housing Initiatives Partnership down payment and emergency repair and/or rehabilitation assistance programs. CONSIDERATIONS: The State Housing Initiatives Partnership Program (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 the associated mortgages that have been repaid in full. As such, satisfactions of mortgage are required. File# Name Reason for Payoff Public Record Mortgage Amount Payoff Amount 10-028 Donna L. Clemmons Sold Property OR 4766/ PG 3308 $3,000 $3,000 13-009 Ana Gloria Saldana Torres Loss of Homestead OR 51501 PG 3149 $20,000 $20,000 Total $23,000 $23,000 Approval of this item will authorize the Chairman 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 $23,000 satisfies the payoff amounts. This repayment is considered program income and has been deposited in SHIP Grant Fund (791), Project 33807. Deposited funds will be used for SHIP -eligible activities. The Budget Amendment recognizes $23,000 in program income, of which five percent (5%) will be used as Administrative Funds. A $10 recording fee has been paid by Donna Clemmons and Ana Torres. LEGAL CONSIDERATIONS: This item is approved for form and legality and requires a majority vote for Board approval. -DDP GROWTH MANAGEMENT IMPACT: There is no Growth Management impact. RECOMMENDATION: To approve and authorize the Chairman to sign two (2) mortgage satisfactions for the State Housing Initiatives Partnership loan program in the amount of $23,000 and approve the associated Budget Amendment to appropriate repayment amount totaling $23,000. Prepared By: Karina Bardales, Grants Support Specialist, Community & Human Services Division ATTACHMENT(S) 1. Backup Docs-Clemons (PDF) Packet Pg. 1108 16.D.2 09/27/2022 2. Backup Docs-Saldana (PDF) 3. SHIP SOM (PDF) 4. SAP_$23,000 (PDF) Packet Pg. 1109 16.D.2 09/27/2022 COLLIER COUNTY Board of County Commissioners Item Number: 16.D.2 Doe ID: 23132 Item Summary: Recommendation to approve and authorize the Chairman to sign two (2) mortgage satisfactions for the State Housing Initiatives Partnership loan program in the amount of $23,000 and approve the associated Budget Amendment to appropriate repayment amount totaling $23,000. (SHIP Grant Fund 791) Meeting Date: 09/27/2022 Prepared by: Title: — Community & Human Services Name: Karina Bardales 08/22/2022 3:29 PM Submitted by: Title: Manager - Federal/State Grants Operation — Community & Human Services Name: Kristi Sonntag 08/22/2022 3:29 PM Approved By: Review: Community & Human Services Lisa Carr Additional Reviewer Community & Human Services Kristi Sonntag CHS Review Capital Project Planning, Impact Fees, and Program Management Gino Santabarbara Operations & Veteran Services Jeff Newman Additional Reviewer Growth Management Department Jacob LaRow Additional Reviewer Communications, Government, and Public Affairs Lisa Weinmann Community & Human Services Blanca Aquino Luque Additional Reviewer Public Services Department Todd Henry PSD Level 1 Reviewer Community & Human Services Maggie Lopez Additional Reviewer Public Services Department Tanya Williams PSD Department Head Review Grants Erica Robinson Level 2 Grants Review County Attorney's Office Derek D. Perry Level 2 Attorney 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 Office of Management and Budget Christopher Johnson Additional Reviewer Grants Therese Stanley Additional Reviewer Completed 08/23/2022 2:41 PM Completed 08/24/2022 1:39 PM Additional Reviewer Completed Completed 08/25/2022 7:03 AM Completed 08/25/2022 9:40 AM Additional Reviewer Completed Completed 08/25/2022 2:32 PM Completed 08/25/2022 2:55 PM Completed 09/19/2022 10:15 AM Completed 08/30/2022 10:47 AM Completed 09/07/2022 12:53 PM Completed 09/13/2022 2:05 PM Completed 09/13/2022 2:25 PM Completed 09/14/2022 10:47 AM Completed 09/16/2022 3:01 PM Completed 09/16/2022 6:47 PM Packet Pg. 1110 Community & Human Services County Manager's Office Board of County Commissioners Maggie Lopez Additional Reviewer Dan Rodriguez Level 4 County Manager Review Geoffrey Willig Meeting Pending 16.D.2 09/27/2022 Completed 09/19/2022 8:14 AM Completed 09/19/2022 1:48 PM 09/27/2022 9:00 AM Packet Pg. 1111 16.D.2.a July 18, 2022 Norma Laliberte Habitat for Humanity of Collier County Inc. 11145 Tam iami Trail East Naples, FL 34113 Re: Payoff Letter -Donna L. Clemons 10298 Kingdom Ct, Naples , FL 34114 File #10-028 Mortgage Type Date Recorded OR Booli/Page Amount Collier Count SHIP Second Mortgage 02/22/2012 OR 4766/PG 3308 $3,000.00 Recording Fee $10,00 Total Amount Due $3,010.00 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 timc the balance of the loan is due and payable. Payment should be made to "Collier CountK Board of Cotinly Conunissioners" and delivered to; Community & Human Services Division Attn: SHIP Payoff 3339 E. Tani iami Trail, Suitc 211 Naples, FL 34112 Sincerely, Karina Bardales Grants Support Specialist Community and Human Services Making Our Community Stronger,• One life, One Home, One Project a Time Karina.bar les@colliercoun fl. ov Community & Human Services Division • 3339 Tamiaml Trail East, Suite 211 Naples, Florida 34112-5361 239-252-CARE (2273) - 239-252-CAFE (2233) 239-252-4230 (RSVP) - www,colliergov.noUhurnanservices Packet Pg. 1112 PORTER WRIGHT MORRIS & ARTHUR, LLP Date Payee 815/2022 Collier County Board of County Commissioners Amount Closing Fi 16.D.2.a $3,000.00 40020-74.2 Buyer: Donna L. Clemons Seller: Habitat for Humanity of Collier County, Ir.c. Payoff SHIP loan - $3,000.00 1 4045.Habitat pff Clemons — - OoubleTime ' y SYNOVUS BANK — — 7.9 terwri ht. d MEM13ER.FDIG .. . DEAL ESTATE TRUST ACCOUNT " { 8132STRADA PLACE, 3RD FLOOR. ... '. : .: '..:.' :. :. .:.:. ..'.:::... NAPLES, FLORIDA 34108 . ...... '. . ''...: ::: .....::. :':.:::... .. 16/202� . PAY TO THE ORDER OF, '.. � Collier County Board of County Commissioners.: *** . 3,000,00 *Throe Thousand . and 001100***::: DOLLARS :. f ; P. R WRIGHT MORR ARTH , LLR..;: i..1. �. 4045.1Habltal /f Clemons L . " s : TWO SIGNATti 5 REQUIRED : ` Payoff SHIP loan-4002074.235369 — PORTER WRIGHT MORRIS & ARTHUR, LLP 79 Date Payee Amount Closing File W5=22 Collier County Board of County Comrniasioners $3,000,00 4002074,235369 Buyer: Donna L. Clemoris Seller: Habitat for Humanity of Collier County, [no. Payoff SHIP loan - $3,000.00 Packet Pg. 1113 PORTER WRIGHT MORRIS & ARTHUR, LLP Date Payee 815r2o22 Collier County Board of County Com m iss loners Amount Cloaing F 16.D.2.a $f 0.0Q 4002074.2 twv- Buyer: Donna L. Clemons Seller: Habitat for Humanity of Collier County, Inc. Record Releases - $10.00 4045.Habitit plf Clemons f DoubleTime SYNOWS RANI[ : + e 3 � 64-60d0 1 . s i REAL ESTATE TRUST ACCOUNT s { 9132 STRADA PLACE, 3RD FLOOR.:.:.:: NAPLES, FLORIDA 341 a8 ... ...:.. .. $1512022 :..:..: , ...:..:. '. s { (239) 593-2900. . SI { PAY TO THE 1 ORDER vF Collier County Board of County Commissioners 4n,U4 f+ + s+r* Ten and off `DOLLARS 3 PU R 41 HT MUR 1 & ART LLP . ` r. . s, r ;. � . 3i :4046.1-Iabltal plf Clemons .:....... ... ,®...._ r �r Record Releases - 40D2074.236369 .. TWO.SIGNATURES,0EQuinED. .kr PORTER VVRIGHT MORRIS & ARTHUR, LLP Date Payee 81512022 Collier County Board of County Commissioners Buyer: Donna L. Clemons I Seller: Habitat for Humanity of Collier County, Inc. Record Releases - $10.00 79 Amount Closing Flio $10.00 4002D74.235369 Packet Pg. 1114 INSTR 4660465 OR 4766 PG 3308 RECORDED 2/22/2012 9:39 AM PAGES 3 DWIGHT E. BROCK, CLERK OF THE CIRCUIT COURT, COLLIER COUNTY FLORIDA DOC@.35 $10.50 REC $27.00 OBLD $3,000.00 16. D.2.a STATE HOUSING INITIATIVES PARTNERSHIP (SHIP) PROGRAM SECOND MORTGAGE THIS SECOND MORTGAGE ("Security Instrument") is given on t 3 day of &(eft& f 2011. The Second Mortgagor is: Donna L. Clemons, a single woman ("Borrower"). This Security Instrument is given to Collier County ("Lender"), which is organized and existing under the laws of the United States of America, and whose address is 3339 E. Tamiami Trail, Naples, Florida 34112 Borrower owes Lender the sum of Three Thousand and 00/100 Dollars ($3 , 000.00) . This debt is evidenced by Borrower's Note dated the same date as this Security Instrument ("Second Mortgage"), which provides for monthly payments, with the full debt, if not paid earlier, due and payable on sale of property, refinance, or 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 Frfegal Acres Lot 33, of the Public Records of Collier County, Florida and which has the address of. ("Property Address"): 10298" U-n4doet Ct les Florida 34114 (City) (State) (zip) 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,,wat r rights and stock and all fixtures now or hereafter a part of the property. All replacements and additions shall also be covered by the Security"Instrument. All of the foregoing is referred to in this Security Instrument as the "Property". BORROWER COVENANTS that Borrower is lawfully seized of the estate hereby conveyed and has the right to mortgage, grant and convey the Property and that the Property is unencumbered, except for encumbrances of record. Borrower warrants and will defend generally the title to the Property against all claims and demands, sybJect to any encumbrances of record. THIS SECURITY INSTRUMENT combines rinifocovenants for national use and non -uniform covenants with limited variation by jurisdiction to constitute a uniform security instrument tbvreal property. UNIFORM COVENANTS. Borrower and Lender"covenati t and agree as follows: 1. Payment of Principal and Interest; Prepaymertf inl1,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, assessments .asewer 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 N 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, main '' nce;.kuse, occupancy, upkeep and improvement of the Property, and u) (3) all assessments or other governmental charges that may lawfully `e p d in`i ' tallments over a period of years, the Mortgagor shall be p obligated under the Mortgage to pay or cause to be paid only such instal merits as required to be paid during the term of the Mortgage, and E shall, promptly after the payment of any of the foregoing, forward to Mortgagee, idence of such payment. 3. Application of Payments. Unless law payments 2 U applicable provides oth ise all 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, charge,, fine acid impositions attributable to the Property which may this Security Instrument, leasehold 0 attain priority over and payments or ground rents, tang. `'Borrower shall promptly furnish to Lender all notices of amounts to be paid under this paragraph, and all receipts evidencing the paym s. a C Borrower shall promptly discharge any lien which has priority over this Secu ` Instrument unless Borrower: (a) agrees in writing to 0 the payment of the obligation secured by the lien in a manner acceptable to Lender; (b) conte is 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;eforcement of the lien; or (c) secures from 00 the holder of the lien an agreement satisfactory to Lender subordinating the lien to this Security'] n§trument. If Lender determines that any part of the Property is subject to a lien which may attain priority over the Security Instrument, Len er y giV 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 giving of notice. 5. Hazard or Property Insurance. Borrower shall keep the improvements now existing or reafter 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 reqwiiis The insurance carrier Q 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 he Property in accordance with paragraph 7. At all times that the Note is outstanding, the Mortgagor shall maintain insurance with respect to the Premises against such risks and for such amounts as are customarily insured against and pay, as the same become due and payable, all premiums in respect thereto, including, but not limited to , all-risk insurance protecting the interests of the Mortgagor and Mortgagee against loss or damage to the Premises by fire, lightning, and other casualties customarily insured against (including boiler explosion, if appropriate), with a uniform standard extended coverage endorsement, including debris removal coverage. Such insurance at all times to be in an amount not less than the full replacement cost of the Premises, exclusive of footings and foundations. All insurance policies and renewals shall be acceptable to Lender and shall include a standard mortgage clause. Lender shall have the right to hold the policies and renewals. If Lender requires, Borrower shall promptly give to Lender all receipts of paid premiums and renewal notices. In the event of loss, Borrower shall give prompt notice to the insurance carrier and Lender. Lender may make proof of loss if not made promptly by Borrower. Unless Lender and Borrower otherwise agree in writing, insurance proceeds shall be applied to restoration or repair of the Property damaged, if the restoration or repair is economically feasible and Lender's security is not lessened. If the restoration or repair is not economically feasible or Lender's security would be lessened, the insurance proceeds shall be applied to the sums secured by the Security Instrument, whether or not then due, with any excess paid to Borrower. If Borrower abandons the Property, or does not answer within 30 days a notice from Lender that the insurance carrier has offered to settle a claim, then Lender may collect the insurance proceeds. Lender may use the proceeds to repair or restore the Property or to pay sums secured by this Security Instrument, whether or not then due. The 30-day period will begin when the notice is mailed. Unless Lender and Borrower otherwise agree in writing, any application of proceeds to principal shall not extend or postpone the due date of the monthly payments referred to in paragraph 1 or change the amount of the payments. If under paragraph 21 the Property is acquired by Lender, Borrower's right to any insurance policies and proceeds resulting from damage to the Property prior to the acquisition shall pass to Lender to the extent of the sums secured by this Security Instrument immediately prior to the acquisition. 6. Occupancy, Preservation, Maintenance and Protection of the Property; Borrower's Loan Application, Leaseholds. Borrower shall occupy, establish, and use the Property as Borrower's principal residence within sixty days after the execution of this Security Instrument and shall continue to occupy the Property as Borrower's principal residence for at least one year after the date of occupancy, unless Lender otherwise agrees in writing, which consent shall not be unreasonably withheld, or unless extenuating circumstances exist which are beyond Borrower's control. Borrower shall not destroy, damage or impair the Property, allow the Property to deteriorate, or commit waste on the Property. Borrower shall be in default if any forfeiture 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 Packet Pg. 1115 OR 4766 PG 3309 16. D.2.a 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 Instrument, appearing in court, paying reasonable attorneys' fees and entering on the Property to make repairs. Although Lender may take action under this paragraph 7, Lender does not have to do so. Any amounts disbursed by Lender under this paragraph 7 shall become additional debt of Borrower secured by this Security Instrument. Unless Borrower and Lender agree to other terms of payment, these amounts shall bear interest from the date of disbursement at the Note rate and shall be payable, with interest, upon notice from Lender to Borrower requesting payment. 8. Mortgage Insurance. If Lender required mortgage insurance as a condition of making the loan secured by this Security Instrument, Borrower shall pay the premiums required to maintain the mortgage insurance in effect. If, for any reason, the mortgage insurance coverage required by Lender lapses or ceases to be in effect, Borrower shall pay the premiums required to obtain coverage substantially equivalent to the mortgage insurance previously in effect, at a cost substantially equivalent to the cost to Borrower of the mortgage insurance previously in effect, from an alternate mortgage insurer approved by Lender. If substantially equivalent mortgage insurance coverage is not available, Borrower shall pay to Lender each month a sum equal to one -twelfth of the yearly mortgage insurance premium being paid by Borrower when the insurance coverage lapsed or ceased to be in effect. Lender will accept, use and retain these payments as a loss reserve in lieu of mortgage insurance. ' ai.s reserve payments may no longer be required, at the option of Lender, if mortgage insurance coverage (in the amount and for the peri that *der requires) provided by an insurer approved by Lender again becomes available and is obtained. Borrower shall pay the premiumrecwred to maintain mortgage insurance in effect, or to provide a loss reserve, until the requirement for mortgage insurance ends in accordanceWith any written agreement between Borrower and Lender or applicable law. 9. Inspection. Lenderor.its adbritmay make reasonable entries upon and inspections of the Property. Lender shall give Borrower notice at the time of or prior to an (hSPe61Qh specifying reasonable cause for the inspection. R 10. Condemnation. The procee€f°s pf any award or claim for damages, direct or consequential, in connection with any condemnation o or other taking of any part of the Property or for conveyance in lieu of condemnation, are hereby assigned and shall be paid to Lender. In the event of a total taking of the Property, the proceeds shall be applied to the sums secured by this Security Instrument, whether or not then due, o with any excess paid to Borrower. In the event of ajpartial taking of the Property, in which the fair market value of the Property immediately N before the taking is equal to or greater than tfie a unt of the sums secured by this Security Instrument immediately before the taking, unless e p Borrower and Lender otherwise agree in writing, sums secured by this Security Instrument shall be reduced by the amount of the proceeds +r multiplied by the following fraction: (a) the total mount,o the sums secured immediately before the taking, divided by (b) the fair market value M of the Property immediately before the taking. Any bafance ohall be paid to Borrower. In the event of a partial taking of the Property in which A the fair market value of the Property immediately before the aldng is less than the amount of the sums secured immediately for the taking, unless Borrower and Lender otherwise agree in writing-�o,r Unig$s applicable law otherwise provides, the proceeds shall be applied to the sums secured by this Security Instrument whether or not the surrf° are .tr en due. Unless Lender and Borrower otherwise agree in writing, any application of proceeds to principal shall not extend or p68tpgi e'the`due date of the monthly payments referred to in paragraphs 1 or change a the amount of such payments. 11. Borrower Not Released, Forbearance By Leer yq`a Waiver. Extension of the time for payment or modification of c14 amortization of the sums secured by this Security Instrument grared by Lender to any successor in interest of Borrower shall not operate to release the liability of the original Borrower or Borrower's succes` ori , " tOpst. Lender shall not be required to commence proceedings v against any successor in interest or refuse to extend time for paym or, othetwise modify amortization of the sums secured by this Security Instrument by reason of any demand made by the original Borrower or 13 ewer's successors in interest. Any forbearance by Lender in U) exercising any right or remedy shall not be a waiver of or preclude the'exe�rccise ofany right or remedy. 12. Successors and Assigns Bound; Joint and Several Ll iS Nut CO -I Igners. The covenants this Security o and agreements of Instrument shall bind and benefit the successors and assigns of Lender and Borrower, subject to the E 2 Provisions of paragraph 17. Borrower's covenants and agreements shall bejt arid.several. Any Borrower who co-signs this Security U Instrument but does not execute the Note; (a) is co-signing this Security Instrument and tq mortgage, grant and convey that Borrower's interest u) in the Property under the terms of this Security Instrument; (b) is not personally o"'gat 16.pay the sums secured by this Security Instrument; for ;t 0 and (c) agrees that Lender and any other Borrower may agree to extend, modify, r ma ke ake any accommodations with regard to the terms of this Security Instrument or the Note without that Borrower's consent. a 13. Loan Charges. If the loan secured by this Security Instrument is subje o 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 j -cornnection with the loan exceed the permitted then: (a) any such loan charge shall be reduced by the amount necessary to reduce the to the limit; colimits, charge permitted and (b) any sums already collected from Borrower which exceeded permitted limits will be refunded to Borrower. 'Le der.may choose to make this refund by reducing the principal owed under the Note or by making a direct payment to Borrower. If a re uh redu es principal, the reduction will be treated as a partial prepayment without any prepayment charge under the Note. E 14. Notices. Any notice to Borrower provided for in this Security Instrument shall be given dejivering 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: ddress or any other address Borrower designates by notice to Lender. Any notice to Lender shall be given to Borrower or Lenders ienxge as provided in this paragraph. Q 16. Governing Law; Severability. This Security Instrument shall be governed by federal law and thqhaw 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_wjp applicable law, such conflict shall not affect other provisions of this Security Instrument or the Note which can be given effect witW6 t the conflicting provision. To this end the provisions of this Security Instrument and the Note are declared to be severable. 16. Borrower's Copy. Borrower shall be given one conformed copy of the Note and of this Security Instrument. 17. Transfer of the Property or a Beneficial Interest in Borrower. If all or any part of the Property or any interest in it is sold or transferred (or if a beneficial interest in Borrower is sold or transferred and Borrower is not a natural person) without Lender's prior written consent, Lender may, at its option, require immediate payment in full of all sums secured by this Security Instrument. However, this option shall not be exercised by Lender if exercise is prohibited by federal law as of the date of this Security Instrument. If Lender exercised this option, Lender shall give Borrower notice of acceleration. The notice shall provide a period of not less than 30 days from the date the notice is delivered or mailed within which Borrower must pay all sums secured by this Security Instrument. If Borrower fails to pay these sums prior to the expiration of this period, Lender may invoke any remedies permitted by this Security Instrument without further notice or demand on Borrower. 18. Borrower's Right to Reinstate. If Borrower meets certain conditions, Borrower shall have the right to have enforcement of this Security Instrument discontinued at any time prior to the earlier of: (a) 5 days (or such other period as applicable law may specify for reinstatement) before sale of the Property pursuant to any power of sale contained in this Security Instrument; or (b) entry of a judgment enforcing this Security Instrument. Those conditions are that Borrower: (a) pays Lender all sums which then would be due under this Security Instrument and the Note as if no acceleration had occurred; (b) cures and default of any other covenants or agreements; (c) pays all expenses incurred in enforcing this Security Instrument, including, but not limited to, reasonable attorney's fees; and (d) takes such action as Lender may reasonably require to assure that the lien of this Security Instrument, Lender's rights in the Property and Borrower's obligation to pay the sums secured by this Security Instrument shall continue unchanged. Upon reinstatement by Borrower, this Security Instrument and the obligations secured hereby shall remain fully effective as if no acceleration had occurred. However, this right to reinstate shall not apply in the case of acceleration under paragraph 17. 19. Sale of Note; Change of Loan Servicer. The Note or a partial interest in the Note (together with this Security Instrument) may be sold one or more times without prior notice to Borrower. A sale may result in a change in the entity (known as the "Loan Servicer") that collects monthly payments due under the Note and this Security Instrument. There also may be one or more changes of the Loan Servicer unrelated to a sale of the Note. If there is a change of the Loan Servicer, Borrower will be given written notice of the change in accordance with paragraph 14 and applicable law. The notice will state the name and address of the new Loan Servicer and the address to which payments should be made. The notice will also contain any other 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 Packet Pg. 1116 *** OR 4766 PG 3310 *** 16.D.2.a Environmental Law. The preceding two sentences shall not apply to the presence, use, or storage on the Property of small quantities of Hazardous Substances that are generally recognized to be appropriate to normal residential uses and to maintenance of the Property. Borrower shall promptly give Lender written notice for any investigation, claim, demand, lawsuit or other action by any governmental or regulatory agency or private party involving the Property and any Hazardous Substance or Environmental Law of which Borrower has actual knowledge. If Borrower learns, or is notified by any governmental or regulatory authority, that any removal or other remediation of any Hazardous Substance affecting the Property is necessary, Borrower shall promptly take all necessary remedial actions in accordance with Environmental Law. As used in this paragraph 20, "Hazardous Substances" are those substances defined as toxic or hazardous substances by Environmental Law and the following substances: gasoline, kerosene, other flammable or toxic petroleum products, toxic pesticides and herbicides, volatile solvents, materials containing asbestos or formaldehyde, and radioactive materials. As used in this paragraph 20, "Environmental Law" means federal laws and laws of the jurisdiction where the Property is located that relate to health, safety or environmental protection. 21. Acceleration; Remedies. Lender shall give notice to Borrower prior to acceleration following Borrower's breach of any covenant or agreement in this Security Instrument (but not prior to acceleration under paragraph 17 unless applicable law provides otherwise). The notice shall specify: (a) the default; (b) the action required to cure the default; (c) a date, not less than 30 days from the date the notice is given to Borrower, by which the default must be cured; and (d) that failure to cure the default on or before the date specified in the notice may result in acceleration of the sums secured by this Security Instrument, foreclosure by judicial proceeding and sale of the Property. The notice shall further inform Borrower of the right to reinstate after acceleration and the right to assert in the foreclosure proceeding the non-existence of a default or any other defense of Borrower to acceleration and foreclosure. If the default is not cured on or before the date specified in the notice, Lender, at its option, may require immediate payment in full of all sums secured by this Security Instrument without further demand and may foreclose this Security Instrument by judicial proceeding. Lender shall be entitled to collect all expenses incurred in pursuing the remedies provided in this paragraph 21, including, but not limited to, reasonable attorney's fees and costs of the title evidence. 22. Release. Upon,,pay' t of all sums secured by this Security Instrument, Lender shall release this Security Instrument, without charge, to Borrower. Borrower If paT.any recordation costs. 23. Attorneys' Fees: A""Jsed ` this Security Instrument and the Note, "attorneys' fees" shall include any attorneys' fees awarded by an appellate court. T 24. Riders to this Security.4r struinent. 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'if the rider(s) were apart of this Security Instrument. (Check Applicable Box) ❑ Adjustable Rate Rider ❑ Rate tmpivement Rider ❑ Graduated Payment Rider ❑ 1-4 Faryl ly Rider ❑ Balloon Rider ❑ Biweekly Payment Rider ❑ Other(s) (specify - s SIGNING BELOW, Borrower accepts and agrees to the t6ims an by Borrower and recorded with it. Signed, sealed and delivered in the presence of:.,. Witness#1: W, o<,"/ y Si'� I / , /�l 110 Signature:, 4,y'—1 /►/L-1— Witness#2: Norma LO - T T r Q Sigi Co - Signature: Address: STATE OF FLORIDA COUNTY OF COLLIER ❑ Condominium Rider ❑ Second Home Rider ❑ Planned Unit Development Rider contained in this Security Instrument and in any rider(s) executed onna L. Clemons 0298 Kinadom Ct es, Florida 34114 I hereby certify that on this day, Donna L . Clemons before me, an officer duly ahorizei in the state aforesaid and in the county aforesaid to take acknowledgements, personally appeared to me known to be the person(s) described:jin and who executed the foregoing instrument and acknowledged before me that (He/ she/ they) executed the same for the purpose therfn expressed. WITNESS my hand and office a in the County and State aforesaid this 16 day of 77tzf'd0- #'y 2011. My Commission (Seal) <A; IO•�+0TAR�.i� ?•myco m.EXPIRES AUG.29XI4 N0.EE1S011 ��9,EAU91��00 40Q' otary Publ,ic;sNorma SignatureOra T r* Notary's Printed Name SHIP File#: 10-028 Prepared by: Collier County Housing, Human & Veterans Department 3339 E. Tamiami Trail, Bldg H, Suite 211 Naples, FL 34112 Packet Pg. 1117 16.D.2.a BardalesKarina From: Norma Laliberte <NLaliberte@habitatcollier.org> Sent: Friday, July 15, 2022 1:38 PM To: CarrLisa Cc: BardalesKarina Subject: SHIP -Payoff - 10298 Kingdom Ct, Naples, FL 34114 Categories: Complete 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. Happy Friday Lisa & Karina, Donna Clemons will sell her house back to Habitat. Please could you send me the payoff. We have the NSP home family. They are below 80%, do you have SHIP funds available for rehabs homes? Have a great weekend! Norma Laliberte Assistant Director, Family Selection Habitat for Humanity of Collier County 11145 Tamiami Trail East I Naples, FL 34113 Office: 239-775-0036 1 Fax:775-0477 habitatcollier.org N C O E N CONFIDENTIALITY: This e-mail and any files transmitted with it are the property of Habitat for Humanity of Collier v N County, Inc., are confidential, and are intended solely for the use of the individual or entity to whom this e-mail is c addressed. If you are not one of the named recipient(s) or otherwise have reason to believe that you have received this Q. message in error, please notify the sender at (239) 775-0036 and delete this message immediately from your computer. Y Any other use, retention, dissemination, forwarding, printing, or copying of this e-mail is strictly prohibited. m r c m E a Packet Pg. 1118 July 22, 2022 Ana Gloria Saldana Torres 2591 Golden Gate Blvd. E Naples, FL 34120 DEMAND LETTER Re: Ana Gloria Saldana Torres, 2591 Golden Gate Blvd E, Naples, FL 34120 File #13-009 Mortgage Type Date Recorded OR Book/Page Total Amount Due Collier County SHIP Second Mortgage 5/12/2015 5150/3149 $20,000.00 As stated in your signed mortgage agreement, one of the requirements of the SHIP Program is that you maintain the above referenced address as your primary residence. Since it appears that you are not occupying the property as your primary residence, you are required to re -pay the loan at this time. Payment should be received at our office within; 30 days of this letter. Please make check payable to "Collier County Board of County Commissioners" and deliver to: Community & Human. Services Division Attn: SHIP Payoff 3339 E. Tamiami Trail, Suitt; 211 Naples, FL 34112 Please include a separate cheek in the amount of $10.00 made payable to: Collier County Board of County Commissioners for the cast of recording. Thank you. Sincerely, eh Elizabeth Hernandez, MBA Operations Analyst, Grants Compliance Unit Collier County Government Phone: 239-252-2903 Elizabeth.Hernandoz@colliercoutitytl.gov aolliercountyfl.gov Community & Human Services Division • 3339 Tamiami Trail East, Suite 211 - Naples, Florida 34112-5361 Packet Pg. 1119 239-252-CARE (2273) • 239-252-CAFE (2233) i 239-252-4230 (RSVP) - www.colliergov.aoVhumansorvices 1 ti.D.2.b 36433619 Save this Copy for your records. FIFTH THIRD BANK" CASHIER'S CHECK - Customer Receipt August o6, 2022 Pay to the Order af: CC7LLIIwf COUNTY Y F30A9D OF COUNTY GOMB+AlS NFRSr $*******20,000.00 Amount- 7-WENT THOUSAlWfl 001100 US DOLLARS Memo: ANA SALDANA LOAN Purchased by; LFONILA TOR9F-S-SANCHFZ Transaction #; 323124107 NON-N EGOTIABLE Cost Center: 28136 a� Method of Purchase; Cash/Check 0 0 The purchase of a surety Bond may be required before any Cashier's Check en this o bank will be replaced or refunded rn the event it is lost, misplaced, or stolen. N .is y, ..ems, r _t .✓' '.. S "i Pa Y E3o �: Rb OF,Cb ' r er lei: ;00LLII✓8 COU �+ Am�aiOf' 7WEkY MOUSAND. 00/100 US L i �4RS . - : CHEF -EA4� E q All ` • sj S ¢• � � � � �l sr �� 'S a Irk � L :� S � (n Cn y �(■� f� y,�C �S:� �IQIYF� 'k*Y F �<���� � i � fk • Qi'#'.iA•ir'ir Mir icryly�I f►LJl.1-bb 11 IJ Lf V.I. YIiYJI N tCNI c Drawn on:. Fifth Third Sank `Transaction Number: 323124107 National Association Cost Center Memo: ANA 3ALDANA LOAN ' Purchased by: LEONILA TORRES-aANCHEZ � r o Y be required before an Cashier's Check an this Thc, purchase of a Surely fond mayY d hank will be replaced or refunded in the eAulhori;zeS3nature vent it is lost, rnisplaaed, or stolen. 9 , 3 Y V R m THE ORIGINAL DOCUMENT HAS A WHITE € EFLECTIVE WATERMARK ON THE BACK. HOLOAT AN ANGLE TO SEE THE MARK WHEN CHECKFNG THE EN00RSEMENTS, � E t C� i Q Packet Pg. 1120 16. D.2.b Save this Copy for your records. FIFTH THIRID BANK - CASHIER'S CHECK - Customer Receipt Pay to the Orderot: COLLIER COUNTY BOARD OF COUNTY COMMISSIONERS"*" Arrlaurtt: TEN 00/100 US DOLLARS Merno: ** Purchased by: LEONILATORRES-SANCHEZ 36433656 August 05, 2022 $***********10.00 Transaction 323125395 Cost Center:8$s NON-NEGOTIABLE Method of Purchase: GashlCheck 0 The purchase of a Surety Son, may be In required before any Cashier's Check on #his 0, bank will be repkaoed or rerunded the event it is last, misplaced, or stolen. rn c VERIFY v r�!7{ttts u��.aGlsl2rrr.....Fh.G........�P y i27CTCr r.,.7.'�m'._.. _ n. i'�-=s:.l�•3—�.rhl:',�' .n7 "r1 ,..i• S 't '<. , s s sf r• Vie. �a,... EE a f:.ui {j .. E F .✓",� k qy' ••w",x•` b`? of & i ,4°"•"`� e � y,:, y� y,- ; r �F 3 %' s nc'r• ..,.w 1 .2..f%= !• .. ��' �, £. ,. it Cn fFlip ASH R S `C i ECI '::,.., x£ A ust off: "; 0 T Io,A ' o c 6Y¢CGMMSv s ******� Dl sr oi, GAL.. E1 CO'u I r~ IVI I ' .. I obo N �r M Am6urtt; TiEk E*AR5 N Drawn on: Fifth Third Bark Transaalion Number: 523125595 -0a !National Association Cost Center: 2085 � Memo: Purchased by: LEONILATORRES•SANCHEZ % 0 The purchase of a surety Bond may be required before any Cashier's Check ❑n this bank will be replaced or refunded in the event it is lost, misplaced, or stolen, Aelhorized Signalure Q. 3 Y C>' R m THE GRIGiNAL DOCUMENT HAS AWHITE REFLECTIVE WATERMARK ON THE BACK. HOLDATAN ANGLE TO SEE THE MARK WHEN CHECKING THE ENDORSEMENTS. E Packet Pg. 1121 INSTR 5121009 OR 5150 PG 3149 RECORDED 5/12/2015 12:11 PM PAGES 6 DWIGHT E. BROCK, CLERK OF THE CIRCUIT COURT, COLLIER COUNTY FLORIDA 16.D.2.b DOC@.35 $70.00 REC $52.50 OBLD $20,000.00 New House Title, LLC P.O. Box 20,128 Mail Stop #3 Tampa, FL 33622-0328 Mandy Moody Collier County Community & Human Services Division 3339 E. Tamiami Trail, Building H, Suite 211 Naples, Florida 34112 STATE HOUSING INITIATIVES PARTNERSHIP (SHIP) PROGRAM SECOND jMORTGAGE THIS SECOND MORTGAGE ("Security Instrument") is given on ' - day of r t� 1 2015. The Second Mortgagor is: Ana Gloria Saldana Torres, a single woman ("Borrower"). This Se artytinstrument is given to Collier County- SHIP ("Lender"), which is organized and existing under the laws of the United States of Ambrica, and whose address is 3339 E. Tamiami Trail, Naples, Florida 34112. Borrower owes Lender the'sum of T 4en Thousand and 00500 Dollars ($20 , 000 .00) . This debt is evidenced by Borrower's Note dated the same date as this cutity Instrument ("Second Mortgage"), which does not provide for monthly payments. The full debt, if not paid earlier, is due upon sale""- e DrQnerty within the fifteen year term. If sold after the fifteen year term, 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 secures to Lender (a), he repayment of the debt evidenced by the Note, with interest, and all renewals, extensions and modifications; (b) the payment of all other sms, with interest advanced under paragraph 7 to protect the security of the Security Instrument; and (c) the performance of Sorro is covenants and agreements under this Security Instrument and the Note. For this purpose, Borrower does hereby second mortgage, gr�t and convey to Lender the following described property located in Collier County, Florida. As more particularly described as: GOLDEN GA EST ONIT 76 E 105 FT OF t R 54 and which has the address of: t ("Property Address"): 2591 Golden Gate alVd A Naples, ' FL 34120 (Address) v (City) (State) (zip) 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'stQ k and all fixtures now or hereafter a part of the property. All replacements and additions shall also be covered by the Security Instrument Ali off � foregoing is referred to in this Security Instrument as the "Property". BORROWER COVENANTS that Borrower is lawfult �et'z ct ,fthe estate hereby conveyed and has the right to mortgage, grant and convey the Property and that the Property is unencumbered, exce a -,encumbrances of record. Borrower warrants and will defend generally the title to the Property against all claims and demands, subject1b any e9c6mbrances of record. THIS SECURITY INSTRUMENT combines uniform covena�for atonal use and non -uniform covenants with limited variation by jurisdiction to constitute a uniform security instrument covering real prerty.,_', UNIFORM COVENANTS. Borrower and Lender covenant and agree asollows: 1. Payment of Principal and Interest; Prepayment and Late,Cha ges 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 renfs pr watk rates prior to the accrual of any penalties or interest thereon. 1 "00 The Mortgagor shall pay or cause to be paid, as the same respectively"bec9rfie: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 resp t to the Property, (2) all utility and other charges, , including "service charges", incurred or imposed for the operation, maintenance, use,pancy, 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 require to paid during the term of the Mortgage, and shall, promptly after the payment of any of the foregoing, forward to Mortgagee evidence of such'p+ment. 3. Application of Payments. Unless applicable law provides otherwise, all paymieDtt,roceiVO4 by Lender shall be applied; first, to interest due; and, to principal due; and last, to any late charges due under tha Note. t 4. Charges; Liens. Borrower shall pay all taxes, assessments, oharges, fines and imposition attributable to the Property which may attain priority over this Security Instrument, and leasehold payments or ground rents, if any. Bono ' all promptly furnish to Lender all notices of amounts to be paid under this paragraph, and all receipts evidencing the payments. Borrower shall promptly discharge any lien which has priority over this Security Instrument unless Brd)yer. (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 th ien by, or defends against enforcement of the lien in, legal proceedings which in the Lender's opinion operate to prevent the enforcement of the'I,ien; or (c) secures from the holder of the lien an agreement satisfactory to Lender subordinating the lien to this Security Instrument.,tfFCenderdetermines that any part of the Property is subject to a lien which may attain priority over the Security Instrument, Lender may give Borrower a notice identifying the lien. Borrower shall satisfy the lien or take one or more of the actions set forth above within 10 days of the giving of notice. 5. Hazard or Property Insurance. Borrower shall keep, the improvements now existing or hereafter erected on the Property insured against loss by fire, hazards included within the term "extended coverage" and any other hazards, including floods or flooding, for which Lender requires insurance. This insurance shall be maintained in the amounts and for the periods that Lender requires. The insurance carrier providing the insurance shall be chosen by Borrower subject to Lender's approval which shall not be unreasonably withheld. If Borrower fails to maintain coverage described above, Lender may, at Lenders option, obtain coverage to protect Lender's rights in the Property in accordance with paragraph 7. At all times that the Note is outstanding, the Mortgagor shall maintain insurance with respect to the Premises against such risks and for such amounts as are customarily insured against and pay, as the same become due and payable, all premiums in respect thereto, including, but not limited to , all-risk insurance protecting the interests of the Mortgagor and Mortgagee against loss or damage to the Premises by fire, lightning, and other casualties customarily insured against (including boiler explosion, 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 ciaim, 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 paragraon 1 or change the amount of the payments. If under paragraph 21 the Property is acquired by Lender, Borrower's right to any insurance poJi6as and proceeds resulting from damage to the Property prior to the acquisition shall pass to Lender to the extent of the sums sr:cured by this Security Instrument immediately prior to the acquisition. This mortgage is exempt from ;in U-, `� 5� pay g dX9�X� ------ intangibles on the mortgage Packet Pg. 1122 OR 5150 PG 3150 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 mat:64allyim flair 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 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,'ipcluding, bGtnot 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 die fee title shall nofinerge unless Lender agrees to the merger in writing. 7. Protection of Lender's Rights in the Property. lf-Borrowec fails to perform the covenants and agreements contained in this Security Instrument, or there is a legal proceeding that may' signfficantlyaffect 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 Securitynstrument, appearing in court, paying reasonable attorneys' fees and entering on the Property to make repairs. Although Lender may 106 a. do `under this paragraph 7, Lender does not have to do so. Any amounts disbursed by Lender under this paragraph 7 shall become all tuna( debt of Borrower secured by this Security Instrument. Unless Borrower and Lender agree to other terms of payment, these amounts shearinterest from the date of disbursement at the Note rate and shall be payable, with interest, upon notice from Lender to Borrower requ . ting p yment. 8. Mortgage Insurance. tf Leader required mortgage insurance as a condition of making the loan secured by this Security Instrument, Borrower shall pay tfre'premiu'ms required to maintain the mortgage insurance in effect. If, for any reason, the mortgage insurance coverage required by Lender lapses ofeeases to be in effect, Borrower shrill pay the premiums required to obtain coverage substantially equivalent to the mortgage insurane4`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 Leader. If substantially equivalent mortgage insurance coverage is not available, Borrower shall pay to Lender leach mo 9#1a sum equal to one -twelfth of the yearly mortgage insurance premium being paid by Borrower when the insurance coverage ta'psed 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 p yments may no longer be required, at the option of Lender, if mortgage insurance coverage (in the amount and for the period that Lender re uires) provided by an insurer approved by Lender again becomes available and is obtained. Borrower shall pay the premiums required to maintpWriloi'tgage 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 mayrrake reasonable entries upon and inspections of the Property. Lender shall give Borrower notice at the time of or prior to an inspection specifying �easpnable cause for the inspection. 10. Condemnation. The proceeds of any award or cfairn for damages, direct or consequential, in connection with any condemnation or other taking of any part of the Property, or for conveyance in iieuvf condemnation, are hereby assigned and shall be paid to Lender. In the event of a total taking of the Property, the proceeds shape applied to the sums secured by this Security Instrument, whether or not then due, with any excess paid to Borrower. In the event of a partial akin 946 Property, in which the fair market value of the Property immediately before the taking is equal to or greater than the amount of the ms secured by this Security Instrument immediately before the taking, unless Borrower and Lender otherwise agree in writing, the sums sec red b 8 is Security Instrument shall be reduced by the amount of the proceeds multiplied by the following fraction: (a) the total amount of the sutrs secured immediately before the taking, divided by (b) the fair market value of the Property immediately before the taking. Any balance shall be paid 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 lessthan the amount of the sums secured immediately for the taking, unless Borrower and Lender otherwise agree in writing or unless applicable law otherwise provides, the proceeds shall be applied to the sums secured by this Security Instrument whether or not the sums are then due. tjnlessiender and Borrower otherwise agree in writing, any application of proceeds to principal shall not extend or postpone the due date ff`the*Qnthly payments referred to in paragraphs 1 or change the amount of such payments.r 11. Borrower Not Released, Forbearance By Lender Not a Waiver; wExtenslon of the time for payment or modification of amortization of the sums secured by this Security Instrument granted by LendertcgFanysuccessor 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 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 r edy. 12. Successors and Assigns Bound; Joint and Several Liability; Co -Signers. he co ' nants and agreements of this Security Instrument shall bind and benefit the successors and assigns of Lender and Borrower, subject to;th ._ Provisions of paragraph 17. Borrower's covenants and agreements shall be joint and several Any or[ower 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 Borrower's interest in the Property under the terms of this Security Instrument; (b) is not personally obligated to pay thii-surnsisecured by this Security Instrument; and (c) agrees that Lender and any other Borrower may agree to extend, modify, forbear or make a corTmodations 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 imam loan charges, and that law is finally interpreted so that the interest or other loan charges collected or to be collected in connection with thloan exceed the permitted limits, then: (a) any such loan charge shall be reduced by the amount necessary to reduce the charge to the perrnitted.timit; and (b) any sums already collected from Borrower which exceeded permitted limits will be riefunded to Borrower. Lender may`ct ose 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 prepayfent without any prepayment charge under the Note. 14. Notices. Any notice to Borrower provided for in this Security Instrument shall be given by delivering it or by mailing it by first class mail unless applicable law required use of another method. The notice shall be directed to the Property Address or any other address Borrower designates by notice to Lender. Any notice to Lender shall be given to Borrower or Lender when given as provided in this paragraph. 15. Governing Law; Severability. This Security Instrument shall be governed by federal law and the law of the jurisdiction in which the Property is located. In the event that any provision or clause of this Security Instrument or the Note conflicts with applicable law, such conflict shall not affect other provisions of this Security Instrument or the Note which can be given effect without the conflicting provision. To this end the provisions of this Security Instrument and the Note are declared to be severable. 16. Borrower's Copy. Borrower shall be given one conformed copy of the Note and of this Security Instrument. 17. Transfer of the Property or a Beneficial Interest in Borrower. If all or any part of the Property or any interest in it is sold or transferred (or if a beneficial interest in Borrower is sold or transferred and Borrower is not a natural person) without Lender's prior written consent, Lender may, at its option, require immediate payment in full of all sums secured by this Security Instrument. However, this option shall not be exercised by Lender if exercise is prohibited by federal law as of the date of this Security Instrument. If Lender exercised this option, Lender shall give Borrower notice of acceleration. The notice shall provide a period of not less than 30 days from the date the notice is delivered or mailed within which Borrower must pay all sums secured by this Security Instrument. If Borrower fails to pay these sums prior to the expiration of this period, Lender may invoke any remedies permitted by this Security Instrument without further notice or demand on Borrower. 18. Borrower's Right to Reinstate. If Borrower meets certain conditions, Borrower shall have the right to have enforcement of this Security Instrument discontinued at any time prior to the earlier of: (a) 5 days (or such other period as applicable law may specify for reinstatement) before sale of the Property pursuant to any power of sale contained in this Security Instrument; or (b) entry of a judgment enforcing this Security Instrument. Those conditions are that Borrower: (a) pays Lender all sums which then would be due under this Security Instrument and the Note as if no acceleration had occurred; (b) cures and default of any other covenants or agreements; (c) pays all expenses incurred in enforcing this Security Instrument, including, but not limited to, reasonable 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. UE>on reinstatement by Borrower, this Security Instrument and the obligations Packet Pg. 1123 OR 5150 PG 3151 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. 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 paragraph20'"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'ths 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 Instramenf'(but not prior to acceleration under paragraph 17 unless applicable law provides otherwise). The notice shall specify: (a) the default; (b) ttpe ;action required to cue 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, butihot limited'to, reasonable attorney's fees and costs of the title evidence. 22. Release. Upon payment of all sum ecar'ed by this Security Instrument, Lender shall release this Security Instrument, without charge, to Borrower. Borrower shall pay any recodation�o&ts. 23. Attorneys' Fees. As used in this Sequrity Instrument and the Note, "attorneys' fees" shall include any attorneys' fees awarded by an appellate court. 24. Riders to this Security Instrument. if one'ora riders are executed by Borrower and recorded together with this Security Instrument, the covenants and agreements of each sudh)flder sha4e incorporated into and shall amend and supplement the covenants and agreements of this Security Instrument as if the riders) wer a Oart Of this Security Instrument. (Check Applicable Box) ❑ Adjustable Rate Rider ❑ Graduated Payment Rider ❑ Balloon Rider ❑ Other(s) (specify ❑ Rate Improvement., ide ❑ 1-4 Family Rider; ❑ Biweekly Payment Ride SIGNING BELOW, Borrower accepts and agrees to the terms and covenants ( by Borrower and recorded with it. Signed, sealed and delivered in the presence of: 411 Signature: Signature: Ana of a 1 na Torres Address: STATE OF FLORIDA COUNTY OF COLLIER ❑ Condominium Rider ❑ Second Home Rider ❑ Planned Unit Development Rider 01idd,=in this Security Instrument and in any rider(s) executed I hereby certify that, Ana Gloria Saldana Torres: personally appeared to me known to be the person(s) described in and who executed the foregoing instrument and acknowledged before me that (He Gbthey) executed the same for the purpose therein expressed. WITNESS my hand and official seal in the County and State aforesaid ihi oay of \ 2015. My Commission Expires (Seal) w MICHELLE AI ESTES Commission #FF188624 t my !�missionE�pireso SHIP File#: 13-009 SHIP Purchase Assistance Program Packet Pg. 1124 OR 5150 PG 3152 16.D.2.b Escrow File No.: R13034676 EXHIBIT "A" LOT 1, IN BLOCK 3, OF DRIFTWOOD ACRES NO.3, ACCORDING TO THE PLAT THEREOF, AS RECORDED IN PLAT BOO_ K 38, PAGE 3, PUBLIC RECORDS OF BROWARD COUNTY, FLORIDA. Packet Pg. 1125 OR 5150 PG 3153 3 STATE HOUSING INITIATIVES PARTNERSHIP (SHIP) PROGRAM PROMISSORY NOTE Borrower: Ana Gloria Saldana Torres 2591 Golden Gate Blvd E Naples, F1 34120 (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.-Ta iami Trail, Naples, Florida 34112. I/We.understand that the Lender may f transer Yid 'Promissory Note. The Lender or anyone who takes this Note by transfer and who ,,is titled to receive payments under this Note will be called the "Note Holder 2. INTEREST: Inter st. on this Note shall be zero percent (0%) per annum; except that if I/We fail pay,'his Note as required, the interest rate shall be twelve percent (12%) per annum frt5rn the date when payment of this Note is due until I/We pay it in full. 3. PAYMENTS: Payment irk,, fall is due upon sale of property within the fifteen year deferred payment -loan If sold after the fifteen year term, no repayment is required. As long as, tAe borrower continues to own and occupy the assisted property during the term of th mortgage, then the loan will not have to be repaid. My/Our total payment shall be U. $2,000.00. 4. BORROWER'S RIGHT TO PREPAY., IJWe have the right to make payments of principal at any time before they are due.,.:A payment of principal only is known as a "prepayment". When I/We malea prepayment, I/we will tell the Note Holder in writing that I/we am doing so,,,', *e ` I/We may make a full prepayment o partial prepayment charge. The Note Holder will use all of my prepayments to redce t e.amount of the principal that I owe under this Note. If I/We make a partial,d'y ent, there will be no changes in the due date or in the amount of my monthly paymt unless the Note Holder agrees in writing to those changes. If I/We make a pa; aj- prepayment, there will be no prepayment penalty adhering to or associated with h�,.p±epayment 5. LOAN CHARGES: If a law, which applies tR `thjs., loan and which sets maximum loan charges, is finally :interpreted so that thigtret or other loan charges collected or to be collected in connection with this; >ioa "exceed the permitted limits; then (i) any such loan charges shall be reducedt amount necessary to reduce the charges to the permitted limit; and (ii) any safts ' a ready 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 xipcipal, the reduction will be treated as a partial prepayment.,! 4 6. SUBORDINATION: Lender and Borrower acknowledge and"/agree that this Security Instrument is subject and subordinate in all respects to he>l ens, terms, covenants and conditions of the First Deed of Trust and to all `'a I dVar es,, heretofore made or which may hereafter be made pursuant to the First Deed o rust ncluding all sums advanced for the purpose of (a) protecting or further securio-g t lien of the First Deed of Trust, curing defaults by the Borrower under the First' ee of Trust or for any other purpose expressly permitted by the First Deed o Trust or (b) constructing, renovating, repairing, furnishing, fixturing Fo-r-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 REQUEST]:D: (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 1 Packet Pg. 1126 *** OR 5150 PG 3154 *** 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. 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 '_t 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. OBLIGATIONSOF PERSONS UNDER THIS NOTE: If more than one person signs this Note, each pe oM rs fully and personally obligated to keep all of the promises made in this Note, eluding the promise to pay the full amount owed. Any person who is a guarantor,,"su,rety or endorser of this Note is also obligated to do these things. Any person ;wha "takes over these obligations, including the obligations of a guarantor, "suret or endorser of this Note, is also obligated to keep all of the promises made this Note. The Note Holder may enforce its rights under this Note against each persori`', dividually or against all of us together. This means that any one of us may brequired to pay all of the amounts owed under this Note. 10. WAIVERS: I and .any�pt er person who has obligations under this Note waive the rights of presentment #nd notice of dishonor. "Presentment" means the right to require the Note Holderr to demand payment of amounts due. "Notice of Dishonor" means the right to r quire the Note Holder to give notice to other persons that amounts due have not been,,J!�aid`:� 11. UNIFORM SECURED NOTE: This- ,Note't s a uniform instrument with limited variations in some jurisdictions. In addi�.ton "to the protection given to the Note Holder under this Note, a Mortgage, Deed ,o.f",rust or Security Deed (the "Security Instrument"), dated the same date as this',lote protects the Note Holder from possible losses which might result if I/we do aft-' -keep the promises which I/we make in this Note. That Security Instrument descr1b 5"'1hdw and under what conditions I/we may be required to make immediate payme4 ip/full of all amounts I/we owe under this Note. Some of those conditions are describe a 'follows: Transfer of the Property or a Benefie a1'I xiterest in Borrower. If all or any part of the property or any interest in it' 's '"s`o'd or transferred (or if a beneficial interest in Borrower is sold or transferred Borrower is not a natural person) without Lender's prior written consent, Le;ndr may, at its option, require immediate payment in full or all sums secured by "kf is "te'urity Instrument. However, this option shall not be exercised by Lender if.e ers"etis prohibited by federal law as of the date of this Security Instrument. If Lender exercises this option, Lender shall give rrower notice of acceleration. The notice shall provide a period. of not less t= thirty (30) days from the date the notice is delivered or mailed, within which Borrow r must pay all sums secured by this Security Instrument. If Borrower(s) fail tg ply these sums prior to the expiration of this period, Lender may invoke any remedies'iermitted by this Security Instrument without further notice or demand on Borrowed Notwithstanding the above, the Lender's rights to collect a "apply the insurance proceeds hereunder shall be subject and subordinate to thes,of the Senior Lien Holder to collect and apply such proceeds in accordance th the First Deed of Trust. 12. This note is governed and construed in accordance with the Lav;3--Of:A the State of Florida. F WITNESS THE/ HAND S) AND SEAL(S) OF THE UNDEF!SIGNED. Borrower--Ana`Gloria Saldana Torres Date" Co -Borrower Date ---------------------------------------------- RETURN TO: Collier County Community & Human Services Division SHIP PURCHASE ASSISTANCE PROGRAM 3339 E. Tamiami Trail, Building H, Suite 211 Naples, Florida 34112 ,. SHIP File#: 13-009 Revised 10/2012 Packet Pg. 1127 Collier County Property Appraiser Property Summary Site 2591 Parcel No 40623560000 Address GOLDEN Site City NAPLES *Disclaimer E ATE BLVD Name / Address TORRES, ANA GLORIA SALDANA 2591 GOLDEN GATE BLVD E Site Zone 341, *Note City NAPLES State FL Zip 34120 0 Map No. Strap No. Section Township Range Acres *Estimated 0 41306 349300 54 141306 6 49 28 1.59 0 Legal GOLDEN GATE EST UNIT 76 E 105FT OF TR 54 0 w Milla a Areas 80 Milla a Rates* *Calculations N Sub./Condo 349300 - GOLDEN GATE EST UNIT 76 School Other Total 10.9632 m W a Use Code 0 1 - SINGLE FAMILY RESIDENTIAL 4.459 6.5042 Latest Sales History 2022 Preliminary Tax Roll N (Not all Sales are listed due to Confidentiality) (Subject to Change) `- Date Book -Page Amount 04/29/15 5150-3132 $ 167,000 09/09/14 5150-3131 $ 0 08/19/14 5068-3248 $ 100 09/02/05 3881-2464 $ 303,000 09/03/98 2457-2284 $ 90,900 09/13/96 1 2228-294 $ 5,500 Land Value 1 $ 78,8; +� Improved Value $ 155,71 c (_) Market Value $ 234,5! -a (_) Assessed Value $ 234,5! co (_) School Taxable Value $ 234,5! c (_) Taxable Value $ 234,5! a 0 If all Values shown above equal 0 this parcel was created after the -%2 Final Tax Roll 0 m Q Packet Pg. 1128 16. D.2.d Prepared by Karina Bardales Collier County Community and Human Services 3339 E. Tamiami Trail Naples, FL 34112 SATISFACTION OF MORTGAGE THIS SPACE FOR RECORDING 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 Ana Gloria Saldana Torres to COLLIER COUNTY, dated April 30, 2015 and recorded on May 12, 2015 in Official Records Book 5150 Pagc 3149 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 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 2022, Agenda Item Number 16. D. ATTEST: CRYSTAL K. KINZEL, CLERK C , DEPUTY CLERK Approval for form and legality: Derek D. Perry Assistant County Attorney BOARD OF COUNTY COMMISSIONERS OF COLLIER COUNTY, FLORIDA William L. McDaniel Jr., Chairperson 2 O y a- Q [22-SOC-00945/ 173 9847/ 1 ] Page 1 of 1 Packet Pg. 1129 16. D.2.d Prepared by Karina Bardales Collier County Community and Human Services 3339 E. Tamiami Trail Naples, FL 34112 SATISFACTION OF MORTGAGE THIS SPACE FOR RECORDING 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 Donna L. Clemons to COLLIER COUNTY, dated December 13, 2011 and recorded on February 22, 2012 in Official Records Book 4766 Page 3308 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 2022, Agenda Item Number 16. D. ATTEST: CRYSTAL K. KINZEL, CLERK IC , DEPUTY CLERK Approval for form and legality: Derek D. Perry JM Assistant County Attorney '22 BOARD OF COUNTY COMMISSIONERS OF COLLIER COUNTY, FLORIDA William L. McDaniel Jr., Chairperson 2 O a x c m E U a r r Q [22-SOC-00945/1739846/ 1 ] Page 1 of I Packet Pg. 1130 16.D.2.e ION 791 33474 R791 3596N GRkNTl PROGRAM XOME Admix $Hip la ila Wn Tots Wil 1I- 10123475 Hi ICK 0 0 a_ x N M M N O O O M N 409. El Packet Pg. 1131 �OIRI�C� �,O-UC9-22. ORIGINAL DOCUMENTS CHECKLIST & ROUTING SLIP TO ACCOMPANY ALL ORIGINAL DOCUMENTS SENT TO THE BOARD OF COUNTY COMMISSIONERS OFFICE FOR SIGNATURE Print on pink paper. Attach to original document. The completed routing slip and original documents are to be forwarded to the County Attorney Office at the time the item is placed on the agenda. All completed routing slips and original documents must be received in the County Attorney Office no later than Monday preceding the Board meeting. **NEW** ROUTING SLIP Complete routing lines # 1 through #2 as appropriate for additional signatures, dates, and/or information needed. If the document is already complete with the exception of the Chairman's signature_ draw a line through rnntin Ni $1 rhr ,,nh fly nor -i. «t_ t - i_r.. --a r__..__� - - - ----- ----- --------•-...- Route to Addressees (List in routing order) .. ........... .. , ... .,.,.., ...... u.� .n.wn..a. arrd rvr Office ward to dIC Couxit Initials LLU111CY V111CC. Date 1. Karina Bardales Community and Human KB 09/22/2022 Services 2. Derek D. Perry County Attorney Office UUM Z 3. BCC Office Board of County O I3a�zz Commissioners 4. Minutes and Records Clerk of Court's Office W I �� PRIMARY CONTACT INFORMATION Normally the primary contact is the person who created/prepared the Executive Summary. Primary contact information is needed in the event one of the addressees above, may need to contact staff for additional or miasinv infimmntinn Name of Primary Staff Karina Bardales, Grants Support Phone Number 239-252-2338 Contact / Department Specialist / CHS Division Agenda Date Item was September 27, 2022 Agenda Item Number 16.D.2 Approved by the BCC Type of Document SHIP Satisfactions of Mortgage: Clemons Number of Original 2 Attached and Saldana Documents Attached PO number or account 001-155930-369620 number if document is to be recorded INSTRUCTIONS & CHECKLIST Initial the Yes column or mark "N/A" in the Not Applicable column, whichever is Yes N/A (Not appropriate. Initial Applicable) 1. Does the document require the chairman's original signature? KB 2. Does the document need to be sent to another agency for additional signatures? If yes, N/A provide the Contact Information(Name; Agency; Address; Phone on an attached sheet. 3. Original document has been signed/initialed for legal sufficiency. (All documents to be KB signed by the Chairman, with the exception of most letters, must be reviewed and signed by the Office of the County Attorney. 4. All handwritten strike -through and revisions have been initialed by the County Attorney's N/A Office and all other parties except the BCC Chairman and the Clerk to the Board 5. The Chairman's signature line date has been entered as the date of BCC approval of the KB document or the final negotiated contract date whichever is applicable. 6. "Sign here" tabs are placed on the appropriate pages indicating where the Chairman's KB si nature and initials are required. 7. In most cases (some contracts are an exception), the original document and this routing slip N/A should be provided to the County Attorney Office at the time the item is input into SIRE. Some documents are time sensitive and require forwarding to Tallahassee within a certain time frame or the BCC's actions are nullified. Be aware of your deadlines! 8. The document was approved by the BCC on 09/27/2022 and all changes made during the meeting have been incorporated in the attached document. The County Attorne 's Office has reviewed the changes, if applicable. 9. Initials of attorney verifying that the attached document is the version approved by the BCC, all changes directed by the BCC have been made, and the document is ready for the D Chairman's signature. ** Please e-mail a recorded copy to Karina.BardalesC&colliercountyfl gov** 1: Forms/ County Forms/ BCC Forms/ Original Documents Routing Slip WWS Original 9.03.04, Revised 1.26.05, Revised 2.24.05; Revised 11/30/12 PLEASE RECORD THE ATTACHED AND RETURN THE ORIGINAL DOCUMENT TO THE: CLERK TO THE BOARD 3299 TAMIAMI TRAIL EAST, SUITE 401 NAPLES, FL 34112 ACCOUNT NUMBER FOR CHARGES: 001-155930-36920 KARINA BARDALES X-2338 HOUSING DIVISION QUESTIONS PLEASE CALL ANN -). X-8406 INSTR 6316921 OR 6180 PG 1690 RECORDED 10/12/2022 2:21 PM PAGES 1 CLERK OF THE CIRCUIT COURT AND COMPTROLLER COLLIER COUNTY FLORIDA Prepared by Karina Bardales REC $10.00 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 Donna L. Clemons to COLLIER COUNTY, dated December 13, 2011 and recorded on February 22, 2012 in Official Records Book 4766 Page 3308 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 SOOTEM6EK Zr(TM , 2022, Agenda Item Number 16. D. -1. ATTEST: CRYSTAL K. KINZEL, CLERK 41, By: Z- A oval for form and legality: Derek D. Perry Assistant County Attorney BOARD OF COUNTY COMMISSIONERS OF COLLIER COkNTY, FLORIDA Willom L. McDaniel Jr., Chairperson [22-SOC-00945/1739846/1] Page 1 of I CAO INSTR 6316922 OR 6180 PG 1691 RECORDED 10/12/2022 2:21 PM PAGES 1 CLERK OF THE CIRCUIT COURT AND COMPTROLLER COLLIER COUNTY FLORIDA Prepared by Karina Bardales REC $10.00 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 Ana Gloria Saldana Torres to COLLIER COUNTY, dated April 30, 2015 and recorded on May 12, 2015 in Official Records Book 5150 PaLye 3149 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 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 SEPTENl1SEr2 2"1 " , 2022, Agenda Item Number 16. D. Z ATTEST: CRYSTAL K. KINZEL, CLERK .q By. 1DE ; r,,4 slc,�ati�r� on�4:� Ir j n, i Ap val for form and legality: BOARD OF COUNTY COMMISSIONERS OF COLLIER COUNTY, FLORIDA t By. Derek D. Perry Assistant County Attorney L. McDaniel Jr., Chairperson [22-SOC-00945/1739847/1 ] Page 1 of 1 ONO