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Agenda 11/14/2017 Item #16A11
11/14/2017 EXECUTIVE SUMMARY Recommendation to approve the release of a code enforcement lien with an accrued value of $64,230.13 for payment of $1,800 in the code enforcement action entitled Board of County Commissioners v. ARLP Trust 4. Code Enforcement Board Case No. CESD20140018438 relating to property located at 4225 11th Avenue SW, Collier County, Florida. OBJECTIVE: For the Board of County Commissioners to accept an offer to release a code enforcement lien with an accrued value of $64,230.13 for payment of $1,800 in relation to Code Enforcement Board Case No. CESD20140018438. CONSIDERATIONS: As a result of code violations at 4225 11th Avenue SW, consisting of a pool enclosure that had been removed without proper Collier County permits. The lien was recorde d in the Official Records on March 5, 2015, at O.R. Book 5126, Page 1543. The lien amount of $64,230.13 is based on 640 days of accrued fines ($100 per day from January 6, 2015 through February 6, 2015) $64,000 plus operational costs in the amount of $230.13. The property was acquired by Hublar Lopez, via Special Warranty Deed recorded on July 10, 2015. The new owner brought the property into compliance on October 6, 2016. Pursuant to Resolution No. 2012-46, a request for waiver of fines may be considered when full payment of the full lien amount would impose a severe financial hardship on the new property owner. Hublar Lopez took title to this property with uncorrected code violations. The new owner had understood that the liens were to be paid by the bank before selling the property; he assumed that was done as a title insurance policy was issued. It took a substantial amount of time and money to bring this property into compliance. The property is being actively maintained and $1,800 has been paid in settlement of fines. The owner is requesting a waiver of $62,430.13 in accrued fines, see attached hardship letter as required. There are currently no known violations. FISCAL IMPACT: Payment of $1,800 has been made, representing $1,569.87 in fines, plus $230.13 in operational costs. If approved by the Board, accrued fines in the amount of $62,430.13 would be waived. GROWTH MANAGEMENT IMPACT: There is no growth management impact associated with this action. LEGAL CONSIDERATIONS: The County Attorney’s Office has reviewed this item and approved it as to form and legality. Majority support is required for approval. This item conforms to the Board’s policy contained in Resolution 2012-46. - KN RECOMMENDATION: To waive the fines in the amount of $62,430.13, accept payment amount of $1,800, release the lien, and authorize the Chairman to sign the attached release and satisfaction of lien for recording in the Official Public Records. Prepared by: Michael Ossorio, Director, Code Enforcement Division ATTACHMENT(S) 1. Release of Lien - KN signed (PDF) 2. Lien Order (PDF) 3. Hardship ltr (PDF) 11/14/2017 COLLIER COUNTY Board of County Commissioners Item Number: 16.A.11 Doc ID: 3877 Item Summary: Recommendation to approve the release of a code enforcement lien with an accrued value of $64,230.13 for payment of $1,800 in the code enforcement action entitled Board of County Commissioners v. ARLP Trust 4. Code Enforcement Board Case No. CESD20140018438 relating to property located at 4225 11th Avenue SW, Collier County, Florida. Meeting Date: 11/14/2017 Prepared by: Title: Administrative Assistant – Code Enforcement Name: Nancy CardinaleLower 10/03/2017 4:39 PM Submitted by: Title: Division Director - Code Enforcement – Code Enforcement Name: Michael Ossorio 10/03/2017 4:39 PM Approved By: Review: Code Enforcement Marlene Serrano Additional Reviewer Completed 10/04/2017 10:17 AM Growth Management Department Judy Puig Level 1 Reviewer Completed 10/04/2017 11:28 AM Code Enforcement Michael Ossorio Additional Reviewer Completed 10/05/2017 10:00 AM Growth Management Department James French Deputy Department Head Review Completed 10/05/2017 10:07 AM County Attorney's Office Kevin Noell Level 2 Attorney Review Completed 10/05/2017 10:35 AM Growth Management Department Thaddeus Cohen Department Head Review Completed 10/05/2017 1:34 PM County Attorney's Office Jeffrey A. Klatzkow Level 3 County Attorney's Office Review Completed 10/09/2017 4:39 PM Office of Management and Budget Valerie Fleming Level 3 OMB Gatekeeper Review Completed 10/19/2017 2:24 PM Budget and Management Office Mark Isackson Additional Reviewer Completed 10/24/2017 9:14 AM County Manager's Office Leo E. Ochs Level 4 County Manager Review Completed 11/01/2017 11:28 AM Board of County Commissioners MaryJo Brock Meeting Pending 11/14/2017 9:00 AM This Instrument Prepared By: Marlene Serrano Code Enforcement Division 2800 North Horseshoe Drive Naples, FL 34104 (239) 252-2440 RELEASE AND SATISFACTION OF LIEN KNOW ALL MEN BY THESE PRESENTS: That the BOARD OF COUNTY COMMISSIONERS OF COLLIER COUNTY, FLORIDA is the owner and holder of a certain lien against all real and personal property owned by: ARLP TRUST 4, Respondent The lien was recorded on March 5, 2015, in Official Records Book 5126, Page 1543, in the Official Records of Collier County, State of Florida. The lien secures the principal sum of sixty four thousand two hundred thirty and thirteen cents ($64,230.13), plus accrued interest and penalties, if any, and imposes certain obligations against real property situated in Collier County, Florida. Collier County, a political subdivision of the State of Florida, by execution of this Release and Satisfaction of Lien, acknowledges payment as approved by the Board of County Commissioners as satisfaction of the lien and hereby cancels and releases said lien. The Clerk of the Circuit Court is hereby directed to record this Release and Satisfaction of Lien in the Official Records of Collier County, Florida, to acknowledge that the lien ceases to exist. ATTEST BOARD OF COUNTY COMMISSIONERS DWIGHT E. BROCK, Clerk COLLIER COUNTY, FLORIDA Deputy Clerk Date: Approved as to form and legality Kevin Noell Assistant County Attorney Date: Penny Taylor, Chairman `41NSTR 5091276 OR 5126 PG 1543 RECORDED 3/5/2015 11:39 AM PAGES 2 DWIGHT E. BROCK, CLERK OF THE CIRCUIT COURT, COLLIER COUNTY FLORIDA REC $18.50 COLLIER COUNTY CODE ENFORCEMENT SPECIAL MAGISTRATE Case No. - CESD20140018438 BOARD OF COUNTY COMMISSIONERS COLLIER COUNTY, FLORIDA, Petitioner, VS. ARLP TRUST 4, Respondent. C'i)? THIS CAUSE came h fo lie\hearing upon the Petitioner's Motion for Imposition of Fin s/Li s on l S t tial Magistrate, having heard argument respective to all ap ro m e e ss s inncd ngs of Fact and Order of the Special Magistrate, as follows: `� FINDINGS OF 1. On December 5, 2014, Respbnd^ s found guilty of,vi6lation of Collier County Land Development Code 04-41, as am�d _ 92AkB� ( I xa) for a pool enclosure that has been removed without proper Collie ty "which violation occurred on the property located at 4225 11th Avenue SW, Naples, FL, Folio #37927720009 (Legal Description: GOLDEN GATE EST UNIT 26 W 180FT OF TR 83). 2. An Order was entered by the Special Magistrate ordering Respondent to abate the violation on or before January 5, 2015, or a fine of $100.00 per day would be assessed for each day the violations continue thereafter until abatement is confirmed. (A copy of the Order is recorded at OR 5112, PG 1558). 3. Operational costs of $115.25 incurred by the County in the prosecution of this case were ordered to be paid. 4. Respondent, having been duly noticed for the public hearing regarding the County's Motion, did not appear at the public hearing, and no legal defense to the Motion was presented. 5. No Request for Re -hearing or Appeal pursuant to Ordinance 200744, as amended, has been timely filed. 6. The violation has not been abated as of the date of the hearing. '-*** OR 5126 PG 1544 *** ORDER Based upon the foregoing Findings of Fact, and pursuant to the authority granted in Chapter 162, Florida Statutes, and Collier County Ordinance No. 2007-44, as amended, it is hereby ORDERED: A. Petitioner's Motion for Imposition of Fines/Liens is granted. B. Daily fines of $100.00 per day are assessed against Respondent for 32 days for the period from January 6, 2015 to February 6, 2015, for a total amount of fines of $3,200.00. C. Respondent shall pay the previously assessed operational costs in the amount of $115.25. D. Respondent shall pay operational costs for the Imposition of Fines hearing in the amount of $114.88. E. Respondent is ordered to pay fines and costs in the total amount of $3.430.13 or be subject to Notice of Assessment of Lien against al I propertke owned by Respondent in Collier County, Florida. � ..... Z--00 A F. The daily fine of $100.00 s ue to accrue until n3 nt has been confirmed by a Collier County Code Enforcem Inv DONE AND ORDERED this l a a Co)Iier County, Florida. R DE ENFORCEMENT SPE MA I 4 C. PAYMENT OF FINES: Any fines ordered to be paid pursuant to this order may be paid at the Collier County Code Enforcement Department, 2800 North Horseshoe Drive, Naples, FL 34104, phone # (239) 252-2440, or www.colliergov.net. Any release of lien or confirmation of compliance or confirmation of the satisfaction of the obligations of this order may also be obtained at this location. APPEAL: Any aggrieved party may appeal a final order of the Special Magistrate to the Circuit Court within thirty (30) days of the execution of the Order appealed. An appeal shall not be a hearing de novo, but shall be limited to appellate review of the record created within the original hearing. It is the responsibility of the appealing party to obtain a transcribed record of the hearing from the Clerk of Courts. Filing an Appeal will not automatically stay the Special Magistrate's Order. State of Florida County of COLLIER cc: Respondent ARLP Trust 4 Collier Co. Code Enforcement Dept. I HEREBY CERTIFY THAT this. alfue"2nd correct copy of a document on:° [a h,[ Bonrd Minutes and Records"of. t 6- city VV�NEpS. my hand and ©f sia !'this ay of S' C}VsHT E. BROCK, C Rk'�bi COURTS ' vy INSTR 5073774 OR 5112 PG 1558 RECORDED 1/15/2015 10:17 AM PAGES 2 DWIGHT E. BROCK, CLERK OF THE CIRCUIT COURT, COLLIER COUNTY FLORIDA REC $18.50 COLLIER COUNTY CODE ENFORCEMENT SPECIAL MAGISTRATE Case No.—CESD20140018438 BOARD OF COUNTY COMMISSIONERS COLLIER COUNTY, FLORIDA, Petitioner, VS. ARLP TRUST 4, Respondent. 1 T THIS CAUSE came oq.for p h and the Special Magistrate, h n st n n r respective to all appropriate att h n s Magistrate, as follows: r � en FINDINGS OF F4 1. Respondent, ARLP Trust 4,�'sCtyYer of the sul WV -N ;istrate on December 5, 2014, evidence and heard argument tct and Order of the Special 2. Respondent was notified of the date of hearing by certified mail and posting and the Special Magistrate has jurisdiction of this matter. 3. Respondent, having been duly notified, did not appear at the public hearing. 4. The real property located at 4225 1 lth Avenue SW, Naples, Florida, Folio 437927720009 (Legal Description: GOLDEN GATE EST UNIT 26 W 18OFT OF TR 83), is in violation of Collier County Land Development Code 04-41, as amended, Section 10.02.06(B)(1)(a), in the following particulars: Pool enclosure has been removed without proper Collier County permits. The violation has not been abated as of the date of the public hearing. ORDER Based upon the foregoing Findings of Fact and Conclusions of Law, and pursuant to the authority granted in Chapter 162, Florida Statutes, and Collier County Ordinance No. 0744, as amended, it is hereby ORDERED: "'*** OR 5112 PG 1559 *** A. Respondent is found guilty of violation of Collier County Land Development Code 04-41, as amended, Section 10.02.06(B)(1)(a). B. Respondent must abate the violation by obtaining all required Collier County building permits, inspections, and certificate of completion/occupancy on or before January 5, 2015 or a fine of $100.00 per day will be imposed for each day the violation remains thereafter. C. If Respondent fails to comply with this Order, the Collier County Code Enforcement Department may abate the violation using any method to bring the violation into compliance. If necessary, the County may request the services of the Collier County Sheriff's Office for the purpose of accessing the property for abatement. All costs of abatement shall be assessed against the property. D. Respondent is ordered to pay operational costs for the prosecution of this case in the amount of $115.25 on or before January 5, 2015. E. Respondent shall notify the Code, f f ggmcr4t ) of abatement or compliances rMunspec DONE AND ORDERED this d i L r , Colleen Davidson, within 24 hours e,performed to confirm compliance. GARRETSON County, Florida. ENFORCEMENT PAYMENT OF FINES: Any fines ordered to be paid pursuant to this order may be paid at the Collier County Code Enforcement Department, 2800 North Horseshoe Drive, Naples, FL 34104, phone # (239) 252-2440, or www.colliergov.net. Any release of lien or confirmation of compliance or confirmation of the satisfaction of the obligations of this order may also be obtained at this location. APPEAL: Any aggrieved party may appeal a final order of the Special Magistrate to the Circuit Court within thirty (30) days of the execution of the Order appealed. An appeal shall not be a hearing de novo, but shall be limited to appellate review of the record created within the original hearing. It is the responsibility of the appealing party to obtain a transcribed record of the hearing from the Clerk of Courts. Filing an Appeal will not automatically stay the Special Magistrate's Order. ;Slme 41 F 101 lua : G . r County of COLLIE .R... Y` cc: Respondent(s) — ARLP Trust 4, - Collier Co. Code Enforcement Dept. I HEREBY[ RTO T4AT'1hi5 is ejrue and correct 4j3) a document on file Board County 5 mq ,d tlicial seal ASO is TIN ay of.� , L DWIGHT E. BROCK, CLERK OF COURTS �n D.C. August 2, 2017 Collier County Board of County Commissioners 3299 Tamiami Trail East, Suite 303 RECEIVED AUG 0 3 2011 Naples, Florida 34112 Re: Request for Reduction of Fines Address: 4225 11th Ave. SW, Naples, FL 34116 Dear Members of the Board: I am the owner of the above referenced property. I purchased the property on July 10, 2015 from ARLP Trust 4 as a bank owned property. The title commitment, a copy of which is enclosed, identified the March 9, 2015 Code Enforcement Lien recorded in Official Records Book 5112, Page 1558 and the Order of the Special Magistrate Imposing Fines/Liens dated February 6, 2015 and recorded in Official Records Book 5123, Page 1543, both of the Public Records of Collier County, Florida. I understood that the liens were to be paid by the bank before selling me the property and I assumed that was done as I was issued a title insurance policy without exception for the lines. A copy of my title insurance policy is also enclosed. However, after closing, I discovered that the violations had not been corrected and the liens were still accruing. So, I immediately made all efforts to have the property renovated and the violations abated. Initially, I had to repair the roof and obtained the necessary permits (PRBD20150928901) on September 10, 2015. The pool cage issue could not be corrected before having the roof repaired, which caused a delay in abating the actual code violation. Nevertheless, once the roof was repaired, I applied for and obtained the permit for the pool screen enclosure (PRBD20160204444) on February 11, 2016. The permit was finalized on October 6, 2016 and the code violation was finally abated on October 13, 2016. From the fees section of the code enforcement status webpage, it shows the balance due on this violation is not $64,230.13. 1 am respectfully requesting a reduction of this amount to operational costs as I was unaware of the continuing violations after closing and when alerted to the issues I acted immediately to correct them. Please thoughtfully consider my request. Sin eXLOPC2 Oct q0 C�cr � Jeirt i � wt en{ W WESTCOR LAND TITLE INSURANCE COMPANY ALTA COMMITMENT 6-17-06 (With FLORIDA Modifications) _ Premium Title Services, Inc. 1000 Abernathy Road NE, Suite 200 Atlanta, GA 30328 (855) 339-6325 Loan No: Private Lender SCHEDULE A 1 Effective Date: 23rd day of June, 2015 2 Policy or Policies to be issued: PTS File No.: ARE1404-FL-1651549 (a) ALTA Owner's Policy (2006) Amount: $195,000.00 Proposed Insured: Hublar Lopez (b) ALTA Loan Policy (2006) Amount: $180,000.00 Proposed Insured: Sandra Hauber, Trustee of the Sandra Hauber Revocable Trust dated September 24, 2008, her successors and or assigns as their interest may appear, ISAOA, ATI MA 3. The estate or interest in the land described or referred to in this Commitment is FEE SIMPLE 4. Title to the FEE SIMPLE estate or interest in the land is at Effective Date vested in: Christiana Trust, a division of Wilmington Savings Fund Society, FSB, not in its individual capacity but as Trustee of ARLP Trust 4 5. The land referred to in this Commitment is described in Exhibit "A" attached hereto and made a part hereof. Commonly known as 4225 11th Sw Avenue, Naples, FL 34116 The Property address and tax parcel identification number listed are provided solely for informational purposes, without warranty as to accuracy or completeness and are not hereby insured. Issued By: Premium Title Services, Inc 1000 Abernathy Road NE, Suite 200 Atlanta, GA 30328 NOTE: This commitment is of no force and effect unless Schedules A, B-Section1 and B -Section 2 are attached. CM -8S / ALTA Commitment for Title Insurance 6-17-06 (With FLORIDA Modifications) (WLTIC Edition 3/1/11) WESTCOR LAND TITLE INSURANCE COMPANY ALTA COMMITMENT 6-17-06 (With FLORIDA Modifications) Countersigned Authorized Signatory NOTE: This commitment is of no force and effect unless Schedules A, B-Sectionl and B -Section 2 are attached. CM -8S / ALTA Commitment for Title Insurance 6-17-06 (With FLORIDA Modifications) (WLTIC Edition 3/1/11) WESTCOR LAND TITLE INSURANCE COMPANY ALTA COMMITMENT 6-17-06 With FLORIDA Modifications Loan No : Private Lender PTS File No: ARE1404-FL-1651549 SCHEDULE B Section 1 REQUIREMENTS The following are requirements that must be satisfied (unless otherwise noted, all documents required to be recorded must be recorded in the official real estate records of the county in which said property is located): 1. Instrument(s) creating the estate or interest to be insured must be approved, executed and filed for record. 2. Payment of the full consideration to, or for the account of, the grantors or mortgagors. 3. Payment of all taxes, charges, assessments, levied and assessed against subject premises, which are due and payable. 4. Satisfactory evidence should be had that improvements and/or repairs or alterations thereto are completed; that contractor, subcontractors, labor and materialmen are all paid. 5. Exceptions 3 and 4 of Schedule B - Section 2 of this commitment may be amended in or deleted from the policy to be issued if a survey, satisfactory to the Company, is furnished to Company. 6. Provide an affidavit by current owner, certifying that there are no liens against the insured land other than as disclosed by this commitment that there are no outstanding or pending claims against the affiant that may constitute the basis for a lien against the insured land; that other than as disclosed by this commitment there are no matters which constitute defects in affiant's title to the insured land; and that there are no matters existing at this date which would adversely affect the ability of the affiant to convey the insured land. 7. Proof of payment of all special assessments, recorded or unrecorded, including but not limited to special assessments arising under Chapter 159 of the Florida Statutes. 8. County Property taxes for the tax year 2013, for parcel #37927720009, in the amount of $2,047.47, Collier County, Florida, are PAID. (No Action Required) - (Call taxing authority and confirm all data prior to closing) 9. County Property taxes for the tax year 2014, for parcel #37927720009, in the amount of $2,068.68, Collier County, Florida, are PAID. (No Action Required) - (Call taxing authority and confirm all data prior to closing) Pf atisfaction and release of the Code Enforcement Lien filed against ARLP Trust 4, in favor of Board County Commissioners Collier County, Florida, dated March 9, 2015, recorded January 15, 2015, (book) 5112 (page) 1558, in the amount of $100.00 per day, Collier County, Florida.Call for Lien ayoff, plus interest and costs. atisfaction and release of the Order of The Special Magistrate Imposing Fines/Liens filed against ARLP Trust 4, in favor of Board of County Commissioners Collier County, Florida, dated February 6, NOTE: This commitment is of no force and effect unless Schedules A, B-Section1 and B -Section 2 are attached. CM -8S / ALTA Commitment for Title Insurance 6-17-06 (With FLORIDA Modifications) (WLTIC Edition 3/1/11) WESTCOR LAND TITLE INSURANCE COMPANY ALTA COMMITMENT 6-17-06 With FLORIDA Modifications 2015, recorded March 5, 2015, in (book) 5123 (page) 1543, in the amount of $3,430.13, Collier County, Florida. 12. Special Warranty Deed from Christiana Trust, a division of Wilmington Savings Fund Society, FSB, not in its individual capacity but as Trustee of ARLP Trust 4 conveying fee simple title to Hublar Lopez, A Single Person, to be recorded in the Public Records of Collier County, Florida. 13. Mortgage from Hublar Lopez to Sandra Hauber, Trustee of the Sandra Hauber Revocable Trust dated September 24, 2008, her successors and or assigns as their interest may appear, in the amount of $180,000.00, to be recorded in the Public Records of Collier County, Florida. 14. Clearance of all parties to transaction of the Specially Designated Nationals & Blocked Persons database. (PATRIOT ACT) Results: Searched for: ARNS Inc.; Result: NO MATCH FOUND 15. Clearance of all parties to transaction of the Specially Designated Nationals & Blocked Persons database. (PATRIOT ACT) Results: Searched for: Hublar Lopez; Result: NO MATCH FOUND 16. Clearance of all parties to transaction of the Specially Designated Nationals & Blocked Persons database. (PATRIOT ACT) Results: Searched for: ARLP REO V, LLC; Result: NO MATCH FOUND End SCHEDULE B Section 1 NOTE: This commitment is of no force and effect unless Schedules A, B -Section'! and B -Section 2 are attached. CM -8S / ALTA Commitment for Title Insurance 6-17-06 (With FLORIDA Modifications) (WLTIC Edition 3/1/11) WESTCOR LAND TITLE INSURANCE COMPANY ALTA COMMITMENT 6-17-06 With FLORIDA Modifications Loan No.: Private Lender SCHEDULE B Section 2 EXCEPTIONS PTS File No.: ARE1404-FL-1651549 Schedule B of the policy or policies to be issued will contain exceptions to the following matters unless the same are disposed of to the satisfaction of the Company: 1. Defects, liens, encumbrances, adverse claims or other matters, if any, created, first appearing in the public records or attaching subsequent to the effective date hereof but prior to the date the proposed insured acquires for value of record the estate or interest or mortgage thereon covered by this Commitment. 2. Rights or claims of parties in possession not shown by the Public Records. 3. Easements or claims of easements not shown by the Public Records. 4. Encroachments, overlaps, boundary lines disputes, and other matters which would be disclosed by an accurate survey and inspection of the premises. 5. Taxes or special assessments which are not shown as existing liens by the Public Records. 6. Taxes and assessments for the year 2014 and subsequent years, which are not yet due and payable. 7. Any and all easements, set back lines, notes, exceptions and other matters as shown and depicted on the Plat of Golden Gate Estates, recorded in Plat (book) 7 (page) 15 and 16, Collier County, Florida public records. 8. Subject to any lien provided by Chapter 159, Florida Statutes, in favor of any City, Town, Village, or Port Authority for unpaid services by any water, sewer or gas system serving the lands described herein. 9. Municipal/Code/Permit violations not properly indexed and/or disclosed by the municipality prior to closing. End SCHEDULE B Section 2 NOTE: This commitment is of no force and effect unless Schedules A, B-Section1 and B -Section 2 are attached. CM -8S / ALTA Commitment for Title Insurance 6-17-06 (With FLORIDA Modifications) (WLTIC Edition 3/1/11) WESTCOR LAND TITLE INSURANCE COMPANY ALTA COMMITMENT 6-17-06 (With FLORIDA Modifications) EXHIBIT A Legal Description ARE 1404 -FL -1651549 THE WEST 180 FEET OF TRACT 83, GOLDEN GATE ESTATES UNIT NO. 26, ACCORDING TO THE PLAT THEREOF RECORDED IN PLAT BOOK 7, PAGES 15 AND 16 OF THE PUBLIC RECORDS OF COLLIER COUNTY, FLORIDA. Parcel ID No.: 37927720009 Being Property Conveyed by Amended Certificate of Title from Dwight Brock, Clerk of the Circuit Court to Christiana Trust, a division of Wilmington Savings Fund Society, FSB, not in its individual capacity but as Trustee of ARLP Trust 4, recorded April 2, 2014, in OR Book 5022, Page 3115, Collier County, Florida. NOTE: This commitment is of no force and effect unless Schedules A, B-Section1 and B -Section 2 are attached. CM -8S / ALTA Commitment for Title Insurance 6-17-06 (With FLORIDA Modifications) (WLTIC Edition 3/1/11) WESTCOR LANs} TI` E CONIPA ar POLICY NO. OP-25-GA1000-4321429 FILE NO. ARE1404-FL-1651549 OWNER'S POLICY OF TITLE INSURANCE (with Florida Modifications) Issued by Westcor Land Title Insurance Company Any notice of claim and any other notice or statement in writing required to be given to the Company under this Policy must be given to the Company at the address shown in Section 18 of the Conditions. COVERED RISKS SUBJECT TO THE EXCLUSIONS FROM COVERAGE, THE EXCEPTIONS FROM COVERAGE CONTAINED IN SCHEDULE B, AND THE CONDITIONS, Westcor Land Title Insurance Company, a California corporation (the "Company") insures, as of Date of Policy, against loss or damage, not exceeding the Amount of Insurance, sustained or incurred by the Insured by reason of: 1. Title being vested other than as stated in Schedule A. 2. Any defect in or lien or encumbrance on the Title. This Covered Risk includes but is not limited to insurance against loss from (a) A defect in the Title caused by (i) forgery, fraud, undue influence, duress, incompetency, incapacity, or impersonation; (ii) failure of any person or Entity to have authorized a transfer or conveyance; (iii)a document affecting Title not properly created, executed, witnessed, sealed, acknowledged, notarized, or delivered; (iv) failure to perform those acts necessary to create a document by electronic means authorized by law; (v) a document executed under a falsified, expired, or otherwise invalid power of attorney; (vi) a document not properly filed, recorded, or indexed in the Public Records including failure to perform those acts by electronic means authorized by law; or (vii) a defective judicial or administrative proceeding. (b) The lien of real estate taxes or assessments imposed on the Title by a governmental authority due or payable, but unpaid. (c) Any encroachment, encumbrance, violation, variation, or adverse circumstance affecting the Title that would be disclosed by an accurate and complete land survey of the Land. The term "encroachment" includes encroachments of existing improvements located on the Land onto adjoining land, and encroachments onto the Land of existing improvements located on adjoining land. 3. Unmarketable Title. 4. No right of access to and from the Land. 5. The violation or enforcement of any law, ordinance, permit, or governmental regulation (including those relating to building and zoning) restricting, regulating, prohibiting, or relating to (a) the occupancy, use, or enjoyment of the Land; (b) the character, dimensions, or location of any improvement erected on the Land; (c) the subdivision of land; or (d) environmental protection if a notice, describing any part of the Land, is recorded in the Public Records setting forth the violation or intention to enforce, but only to the extent of the violation or enforcement referred to in that notice. COVERED RISKS CONTINUED ON NEXT PAGE In Witness Whereof, WESTCOR LAND TITLE INSURANCE COMPANY, has caused this policy to be signed and sealed as of Date of Policy shown in Schedule A, the policy to become valid when countersigned by an authorized signatory of the Company. Lru. Aresident o Luuwr. ,1 ISSUED BY k'=':0 AueSt: r Premium Title Services, Inc. Stscretilry Authorized Officer or Licensed Agent OP -25 ALTA Owners Policy of Title Insurance 6-17-06 (with FLORIDA Modifications) (WLTIC Edition 1/26/11) Page 1 6. An enforcement action based on the exercise of a governmental police power not covered by Covered Risk 5 if a notice of the enforcement action, describing any part of the Land, is recorded in the Public Records, but only to the extent of the enforcement referred to in that notice. 7. The exercise of the rights of eminent domain if a notice of the exercise, describing any part of the Land, is recorded in the Public Records. 8. Any taking by a governmental body that has occurred and is binding on the rights of a purchaser for value without Knowledge. 9. Title being vested other than as stated in Schedule A or being defective (a) as a result of the avoidance in whole or in part, or from a court order providing an alternative remedy, of a transfer of all or any part of the title to or any interest in the Land occurring prior to the transaction vesting Title as shown in Schedule A because that prior transfer constituted a fraudulent or preferential transfer under federal bankruptcy, state insolvency, or similar creditors' rights laws; or (b) because the instrument of transfer vesting Title as shown in Schedule A constitutes a preferential transfer under federal bankruptcy, state insolvency, or similar creditors' rights laws by reason of the failure of its recording in the Public Records (i) to be timely, or (ii) to impart notice of its existence to a purchaser for value or to a judgment or lien creditor. 10. Any defect in or lien or encumbrance on the Title or other matter included in Covered Risks 1 through 9 that has been created or attached or has been filed or recorded in the Public Records subsequent to Date of Policy and prior to the recording of the deed or other instrument of transfer in the Public Records that vests Title as shown in Schedule A. The Company will also pay the costs, attorneys' fees, and expenses incurred in defense of any matter insured against by this Policy, but only to the extent provided in the Conditions. EXCLUSIONS FROM COVERAGE The following matters are expressly excluded from the coverage of this policy, and the Company will not pay loss or damage, costs, attorneys' fees, or expenses that arise by reason of: (a) Any law, ordinance, permit, or governmental regulation (including those relating to building and zoning) restricting, regulating, prohibiting, or relating to (i) the occupancy, use, or enjoyment of the Land; (ii) the character, dimensions, or location of any improvement erected on the Land; (iii) the subdivision of land; or (iv) environmental protection; or the effect of any violation of these laws, ordinances, or governmental regulations_ This Exclusion 1(a) does not modify or limit the coverage provided under Covered Risk 5. (b) Any governmental police power. This Exclusion 1(b) does not modify or limit the coverage provided under Covered Risk 6. 2. Rights of eminent domain. This Exclusion does not modify or limit the coverage provided under Covered Risk 7 or 8. 3. Defects, liens, encumbrances, adverse claims, or other matters (a) created, suffered, assumed, or agreed to by the Insured Claimant; (b) not Known to the Company, not recorded in the Public Records at Date of Policy, but Known to the Insured Claimant and not disclosed in writing to the Company by the Insured Claimant prior to the date the Insured Claimant became an Insured under this policy; (c) resulting in no loss or damage to the Insured Claimant; (d) attaching or created subsequent to Date of Policy; or (e) resulting in loss or damage that would not have been sustained if the Insured Claimant had paid value for the Title. 4. Any claim, by reason of the operation of federal bankruptcy, state insolvency, or similar creditors' rights laws, that the transaction vesting the Title as shown in Schedule A, is (a) a fraudulent conveyance or fraudulent transfer; or (b) a preferential transfer for any reason not stated in Covered Risk 9 of this policy. 5. Any lien on the Title for real estate taxes or assessments imposed by governmental authority and created or attaching between Date of Policy and the date of recording of the deed or other instrument of transfer in the Public Records that vests Title as shown in Schedule A. OP -25 ALTA Owners Policy of Title Insurance 6-17-06 (with Florida Modifications) (WLTIC Edition 1/26/11) Page 2 CONDITIONS 1 DEFINITION OF TERMS The following terms when used in this policy mean: (a) "Amount of Insurance": The amount stated in Schedule A, as may be increased or decreased by endorsement to this policy, increased by Section 8(b), or decreased by Sections 10 and 11 of these Conditions. (b) "Date of Policy": The date designated as "Date of Policy" in Schedule A (c) "Entity": A corporation, partnership, trust, limited liability company, or other similar legal entity. (d) "Insured": The Insured named in Schedule A (i) The term "Insured" also includes (A) successors to the Title of the Insured by operation of law as distinguished from purchase, including heirs, devisees, survivors, personal representatives, or next of kin; (B) successors to an Insured by dissolution, merger, consolidation, distribution, or reorganization; (C) successors to an Insured by its conversion to another kind of Entity; (D) a grantee of an Insured under a deed delivered without payment of actual valuable consideration conveying the Title (1) if the stock, shares, memberships, or other equity interests of the grantee are wholly-owned by the named Insured, (2) if the grantee wholly owns the named Insured, (3) if the grantee is wholly-owned by an affiliated Entity of the named Insured, provided the affiliated Entity and the named Insured are both wholly-owned by the same person or Entity, or (4) if the grantee is a trustee or beneficiary of a trust created by a written instrument established by the Insured named in Schedule A for estate planning purposes (ii) With regard to (A), (B), (C), and (D) reserving, however, all rights and defenses as to any successor that the Company would have had against any predecessor Insured. (e) "Insured Claimant": An Insured claiming loss or damage. (f) "Knowledge" or "Known": Actual knowledge, not constructive knowledge or notice that may be imputed to an Insured by reason of the Public Records or any other records that impart constructive notice of matters affecting the Title. (g) "Land": The land described in Schedule A, and affixed improvements that by law constitute real property The term "Land" does not include any property beyond the lines of the area described in Schedule A, nor any right, title, interest, estate, or easement in abutting streets, roads, avenues, alleys, lanes, ways, or waterways, but this does not modify or limit the extent that a right of access to and from the Land is insured by this policy. (h) "Mortgage": Mortgage, deed of trust, trust deed, or other security instrument, including one evidenced by electronic means authorized bylaw. (i) "Public Records": Records established under state statutes at Date of Policy for the purpose of imparting constructive notice of matters relating to real property to purchasers for value and without Knowledge. With respect to Covered Risk 5(d), "Public Records" shall also include environmental protection liens filed in the records of the clerk of the United States District Court for the district where the Land is located. (j) "Title": The estate or interest described in Schedule A. (k) "Unmarketable Title": Title affected by an alleged or apparent matter that would permit a prospective purchaser or lessee of the Title or lender on the Title to be released from the obligation to purchase, lease, or lend if there is a contractual condition requiring the delivery of marketable title. 2. CONTINUATION OF INSURANCE The coverage of this policy shall continue in force as of Date of Policy in favor of an Insured, but only so long as the Insured retains an estate or interest in the Land, or holds an obligation secured by a purchase money Mortgage given by a purchaser from the Insured, or only so long as the Insured shall have liability by reason of warranties in any transfer or conveyance of the Title This policy shall not continue in force in favor of any purchaser from the Insured of either (i) an estate or interest in the Land, or (ii) an obligation secured by a purchase money Mortgage given to the Insured. 3. NOTICE OF CLAIM TO BE GIVEN BY INSURED CLAIMANT The Insured shall notify the Company promptly in writing (i) in case of any litigation as set forth in Section 5(a) of these Conditions, (ii) in case Knowledge shall come to an Insured hereunder of any claim of title or interest that is adverse to the Title, as insured, and that might cause loss or damage for which the Company may be liable by virtue of this policy, or (iii) if the Title, as insured, is rejected as Unmarketable Title. If the Company is prejudiced by the failure of the Insured Claimant to provide prompt notice, the Company's liability to the Insured Claimant under the policy shall be reduced to the extent of the prejudice. 4. PROOF OF LOSS In the event the Company is unable to determine the amount of loss or damage, the Company may, at its option, require as a condition of payment that the Insured Claimant furnish a signed proof of loss. The proof of loss must describe the defect, lien, encumbrance, or other matter insured against by this policy that constitutes the basis of loss or damage and shall state, to the extent possible, the basis of calculating the amount of the loss or damage. 5. DEFENSE AND PROSECUTION OF ACTIONS (a) Upon written request by the Insured, and subject to the options contained in Section 7 of these Conditions, the Company, at its own cost and without unreasonable delay, shall provide for the defense of an Insured in litigation in which any third party asserts a claim covered by this policy adverse to the Insured. This obligation is limited to only those stated causes of action alleging matters insured against by this policy. The Company shall have the right to select counsel of its choice (subject to the right of the Insured to object for reasonable cause) to represent the Insured as to those stated causes of action. It shall not be liable for and will not pay the fees of any other counsel The Company will not pay any fees, costs, or expenses incurred by the Insured in the defense of those causes of action that allege matters not insured against by this policy. (b) The Company shall have the right, in addition to the options contained in Section 7 of these Conditions, at its own cost, to institute and prosecute any action or proceeding or to do any other act that in its opinion may be necessary or desirable to establish the Title, as insured, or to prevent or reduce loss or damage to the Insured. The Company may take any appropriate action under the terms of this policy, whether or not it shall be liable to the Insured. The exercise of these rights shall not be an admission of liability or waiver of any provision of this policy If the Company exercises its rights under this subsection, it must do so diligently. (c) Whenever the Company brings an action or asserts a defense as required or permitted by this policy, the Company may pursue the litigation to a final determination by a court of competent jurisdiction, and it expressly reserves the right, in its sole discretion, to appeal any adverse judgment or order. OP -25 ALTA Owner's Policy of Title Insurance 6-17-06 (with FLORIDA Modifications) (WLTIC 1/26/11) Page 3 CONDITIONS (con't) 6. DUTY OF INSURED CLAIMANT TO COOPERATE (a)ln all cases where this policy permits or requires the Company to prosecute or provide for the defense of any action or proceeding and any appeals, the Insured shall secure to the Company the right to so prosecute or provide defense in the action or proceeding, including the right to use, at its option, the name of the Insured for this purpose Whenever requested by the Company, the Insured, at the Company's expense, shall give the Company all reasonable aid (i) in securing evidence, obtaining witnesses, prosecuting or defending the action or proceeding, or effecting settlement, and (ii) in any other lawful act that in the opinion of the Company may be necessary or desirable to establish the Title or any other matter as insured. If the Company is prejudiced by the failure of the Insured to fumish the required cooperation, the Company's obligations to the Insured under the policy shall terminate, including any liability or obligation to defend, prosecute, or continue any litigation, with regard to the matter or matters requiring such cooperation (b) The Company may reasonably require the Insured Claimant to submit to examination under oath by any authorized representative of the Company and to produce for examination, inspection, and copying, at such reasonable times and places as may be designated by the authorized representative of the Company, all records, in whatever medium maintained, including books, ledgers, checks, memoranda, correspondence, reports, e-mails, disks, tapes, and videos whether bearing a date before or after Date of Policy, that reasonably pertain to the loss or damage. Further, if requested by any authorized representative of the Company, the Insured Claimant shall grant its permission, in writing, for any authorized representative of the Company to examine, inspect, and copy all of these records in the custody or control of a third party that reasonably pertain to the loss or damage. All information designated as confidential by the Insured Claimant provided to the Company pursuant to this Section shall not be disclosed to others unless, in the reasonable judgment of the Company, it is necessary in the administration of the claim. Failure of the Insured Claimant to submit for examination under oath, produce any reasonably requested information, or grant permission to secure reasonably necessary information from third parties as required in this subsection, unless prohibited by law or governmental regulation, shall terminate any liability of the Company under this policy as to that claim. 7. OPTIONS TO PAY OR OTHERWISE SETTLE CLAIMS; TERMINATION OF LIABILITY In case of a claim under this policy, the Company shall have the following additional options: (a) To Pay or Tender Payment of the Amount of Insurance. To pay or tender payment of the Amount of Insurance under this policy together with any costs, attorneys' fees, and expenses incurred by the Insured Claimant that were authorized by the Company up to the time of payment or tender of payment and that the Company is obligated to pay Upon the exercise by the Company of this option, all liability and obligations of the Company to the Insured under this policy, other than to make the payment required in this subsection, shall terminate, including any liability or obligation to defend, prosecute, or continue any litigation. (b) To Pay or Otherwise Settle With Parties Other Than the Insured or With the Insured Claimant (i) to pay or otherwise settle with other parties for or in the name of an Insured Claimant any claim insured against under this policy In addition, the Company will pay any costs, attorneys' fees, and expenses incurred by the Insured Claimant that were authorized by the Company up to the time of payment and that the Company is obligated to pay; or (ii) to pay or otherwise settle with the Insured Claimant the loss or damage provided for under this policy, together with any costs, attorneys' fees, and expenses incurred by the Insured Claimant that were authorized by the Company up to the time of payment and that the Company is obligated to pay Upon the exercise by the Company of either of the options provided for in subsections (b)(i) or (ii), the Company's obligations to the Insured under this policy for the claimed loss or damage, other than the payments required to be made, shall terminate, including any liability or obligation to defend, prosecute, or continue any litigation 8. DETERMINATION AND EXTENT OF LIABILITY This policy is a contract of indemnity against actual monetary loss or damage sustained or incurred by the Insured Claimant who has suffered loss or damage by reason of matters insured against by this policy. (a) The extent of liability of the Company for loss or damage under this policy shall not exceed the lesser of (i) the Amount of Insurance; or (ii)the difference between the value of the Title as insured and the value of the Title subject to the risk insured against by this policy (b) If the Company pursues its rights under Section 5 of these Conditions and is unsuccessful in establishing the Title, as insured, (i) the Amount of Insurance shall be increased by 10%, and (ii)the Insured Claimant shall have the right to have the loss or damage determined either as of the date the claim was made by the Insured Claimant or as of the date it is settled and paid. (c) In addition to the extent of liability under (a) and (b), the Company will also pay those costs, attorneys' fees, and expenses incurred in accordance with Sections 5 and 7 of these Conditions. 9. LIMITATION OF LIABILITY (a) If the Company establishes the Title, or removes the alleged defect, lien, or encumbrance, or cures the lack of a right of access to or from the Land, or cures the claim of Unmarketable Title, all as insured, in a reasonably diligent manner by any method, including litigation and the completion of any appeals, it shall have fully performed its obligations with respect to that matter and shall not be liable for any loss or damage caused to the Insured (b) In the event of any litigation, including litigation by the Company or with the Company's consent, the Company shall have no liability for loss or damage until there has been a final determination by a court of competent jurisdiction, and disposition of all appeals, adverse to the Title, as insured. (c) The Company shall not be liable for loss or damage to the Insured for liability voluntarily assumed by the Insured in settling any claim or suit without the prior written consent of the Company 10. REDUCTION OF INSURANCE; REDUCTION OR TERMINATION OF LIABILITY All payments under this policy, except payments made for costs, attorneys' fees, and expenses, shall reduce the Amount of Insurance by the amount of the payment. OP -25 ALTA Owner's Policy of Title Insurance 6-17-06 (with FLORIDA Modifications) (WLTIC 1/26/11) Page 4 CONDITIONS (con't) 11. LIABILITY NONCUMULATIVE The Amount of Insurance shall be reduced by any amount the Company pays under any policy insuring a Mortgage to which exception is taken in Schedule B or to which the Insured has agreed, assumed, or taken subject, or which is executed by an Insured after Date of Policy and which is a charge or lien on the Title, and the amount so paid shall be deemed a payment to the Insured under this policy. 12. PAYMENT OF LOSS When liability and the extent of loss or damage have been definitely fixed in accordance with these Conditions, the payment shall be made within 30 days 13. RIGHTS OF RECOVERY UPON PAYMENT OR SETTLEMENT (a) Whenever the Company shall have settled and paid a claim under this policy, it shall be subrogated and entitled to the rights of the Insured Claimant in the Title and all other rights and remedies in respect to the claim that the Insured Claimant has against any person or property, to the extent of the amount of any loss, costs, attorneys' fees, and expenses paid by the Company If requested by the Company, the Insured Claimant shall execute documents to evidence the transfer to the Company of these rights and remedies. The Insured Claimant shall permit the Company to sue, compromise, or settle in the name of the Insured Claimant and to use the name of the Insured Claimant in any transaction or litigation involving these rights and remedies. If a payment on account of a claim does not fully cover the loss of the Insured Claimant, the Company shall defer the exercise of its right to recover until after the Insured Claimant shall have recovered its loss. (b) The Company's right of subrogation includes the rights of the Insured to indemnities, guaranties, other policies of insurance, or bonds, notwithstanding any terms or conditions contained in those instruments that address subrogation rights 14. ARBITRATION Unless prohibited by applicable law, arbitration pursuant to the Title Insurance Arbitration Rules of the American Arbitration Association may be demanded if agreed to by both the Company and the Insured at the time of a controversy or claim. Arbitrable matters may include, but are not limited to, any controversy or claim between the Company and the Insured arising out of or relating to this policy, and service of the Company in connection with its issuance or the breach of a policy provision or other obligation. Arbitration pursuant to this policy and under the Rules in effect on the date the demand for arbitration is made or, at the option of the Insured, the Rules in effect at Date of Policy shall be binding upon the parties. The award may include attorneys' fees only if the laws of the state in which the Land is located permit a court to award attorneys' fees to a prevailing party. Judgment upon the award rendered by the Arbitrator(s) may be entered in any court having jurisdiction thereof. The law of the situs of the land shall apply to an arbitration under the Title Insurance Arbitration Rules. A copy of the Rules may be obtained from the Company upon request. 15. LIABILITY LIMITED TO THIS POLICY; POLICY ENTIRE CONTRACT (a) This policy together with all endorsements, if any, attached to it by the Company is the entire policy and contract between the Insured and the Company. In interpreting any provision of this policy, this policy shall be construed as a whole. (b) Any claim of loss or damage that arises out of the status of the Title or by any action asserting such claim whether or not based on negligence shall be restricted to this policy. (c) Any amendment of or endorsement to this policy must be in writing and authenticated by an authorized person, or expressly incorporated by Schedule A of this policy. (d) Each endorsement to this policy issued at any time is made a part of this policy and is subject to all of its terms and provisions. Except as the endorsement expressly states, it does not (i) modify any of the terms and provisions of the policy, (ii) modify any prior endorsement, (iii) extend the Date of Policy, or (iv) increase the Amount of Insurance 16. SEVERABILITY In the event any provision of this policy, in whole or in part, is held invalid or unenforceable under applicable law, the policy shall be deemed not to include that provision or such part held to be invalid, but all other provisions shall remain in full force and effect. 17. CHOICE OF LAW; FORUM (a) Choice of Law: The Insured acknowledges the Company has underwritten the risks covered by this policy and determined the premium charged therefor in reliance upon the law affecting interests in real property and applicable to the interpretation, rights, remedies, or enforcement of policies of title insurance of the jurisdiction where the Land is located. Therefore, the court or an arbitrator shall apply the law of the jurisdiction where the Land is located to determine the validity of claims against the Title that are adverse to the Insured and to interpret and enforce the terms of this policy. In neither case shall the court or arbitrator apply its conflicts of law principles to determine the applicable law. (b) Choice of Forum: Any litigation or other proceeding brought by the Insured against the Company must be filed only in a state or federal court within the United States of America or its territories having appropriate jurisdiction. 16. NOTICES, WHERE SENT Any notice of claim and any other notice or statement in writing required to be given to the Company under this policy must be given to the Company at: 875 Concourse Parkway South, Suite 200, Maitland, FL 32751 OP -25 ALTA Owner's Policy of Title Insurance 6-17-06 (with FLORIDA Modifications) Page 5 WESTCOR LAND TITLE INSURANCE COMPANY ALTA 6-17-06 OWNER'S POLICY (With Florida Modifications) SCHEDULE A Name and Address of Title Insurance Company: Westcor Land Title Insurance Company, 875 Concourse Parkway South, Suite 200, Maitland, FL 32751. State: Florida County: Collier Address Reference: 4225 11th Sw Avenue, Naples, FL 34116 File Number: Policy Number: Date of Policy: Premium: Amount of Insurance: ARE1404-FL-1651549 OP-25-GA1000-4321429 July 13, 2015 at 5:00 $1,143.29 $213,659.00 PM or Date and Time of Recording, whichever is later 1. Name of Insured: Hublar Lopez A Single Person 2. The estate or interest in the Land that is insured by this policy is: FEE SIMPLE 3. Title is vested in: Hublar Lopez A Single Person 4. The Land referred to in this policy is described as follows: THE WEST 180 FEET OF TRACT 83, GOLDEN GATE ESTATES UNIT NO. 26, ACCORDING TO THE PLAT THEREOF RECORDED IN PLAT BOOK 7, PAGES 15 AND 16 OF THE PUBLIC RECORDS OF COLLIER COUNTY, FLORIDA. Issued By: (David Jenkins) Premium Title Services, Inc 1000 Abernathy Road NE, Suite 200 Atlanta, GA 30328 Note: This policy is of no force and effect unless Schedule A and Schedule B are attached together with any added pages incorporated by reference. OP -25S / ALTA 6-17-06 Owner's Policy Schedule A and B (With Florida Modifications) (WLTIC Edition 3/1 /11) WESTCOR LAND TITLE INSURANCE COMPANY ALTA 6-17-06 OWNER'S POLICY With Florida Modifications SCHEDULE B File #: ARE 1404 -FL -1651549 Policy #: OP-25-GA1000-4321429 This policy does not insure against loss or damage, and the Company will not pay costs, attorneys' fees, or expenses that arise by reason of: 1. Taxes and assessments for the year 2015 and subsequent years, which are not yet due and payable. 2. Easements, claims of easements, boundary line disputes, overlaps, encroachments or other matters not shown by the public records which would be disclosed by an accurate survey of the land. 3. Rights or claims of parties in possession not shown by the public records. 4. Taxes or assessments which are not shown as existing liens in the public records. 5. Any lien provided by Chapter 159, Florida Statutes, in favor of any city, town, village or port authority for unpaid service charges for service by any water, sewer or gas system supplying the insured land. 6. Any and all easements, set back lines, notes, exceptions and other matters as shown and depicted on the Plat of Golden Gate Estates, recorded in Plat (book) 7 (page) 15 and 16, Collier County, Florida public records. 7. Municipal/Code/Permit violations not properly indexed and/or disclosed by the municipality prior to closing. 8. Terms and provisions as set forth in the Mortgage from Hublar Lopez a/k/a Hublar Lopez Rodriguez to Sandra Hauber, Trustee of the Sandra Hauber Revocable Trust dated September 24, 2008 as beneficiary, dated July 13, 2015, in the amount of $180,000.00, along with any and all assignments, modifications or any other attachment thereto. OP -25S / ALTA 6-17-06 Owner's Policy Schedule A and B (With Florida Modifications) (WLTIC Edition 3/1 /11)