Agenda 06/25/2013 Item #16D 8W
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6/25/2013 16.D.8.
EXECUTIVE SUMMARY
Recommendation to approve one (1) mortgage satisfaction for the State Housing Initiative
Partnership (SHIP) loan in the amount of $2,500.
OBJECTIVE: Approve one (1) mortgage satisfaction.
CONSIDERATIONS: The State Housing Initiative 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. 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 mortgage that has been repaid in full. As
such, a satisfaction of mortgage is required.
Name
Security Instrument
Mortgage
Payoff
Public Record
Amount
Amount
Obrian Morvan &
SHIP Second
$2,500.00
$2,500.00
OR Book 3322 Page 1329
Guerline Morvan
Mortgage
Total
$2,500.00
$2,500.00
Approval of this item will authorize the Chairwoman to sign the aforementioned satisfaction of mortgage
and the executed document shall be recorded in the Public Records of Collier County, Florida.
FISCAL IMPACT: The repaid amount of $2,500.00 is considered program income and has been
deposited within the SHIP Grant Fund (791), Project 33222. Such funds may be reused for eligible SHIP
program activities.
LEGAL CONSIDERATIONS: This item is approved as to form and legality and requires majority vote
for approval. -JW
GROWTH MANAGEMENT IMPACT: There is no growth management impact.
RECOMMENDATION: Approve and authorize the Chairwoman to sign one (1) mortgage satisfaction
for an owner - occupied affordable housing unit for which repayment in full has been provided to Collier
County.
Prepared By: Wendy Klopf, Operations Coordinator, Housing, Human and Veteran Services
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6/25/2013 16.D.8.
COLLIER COUNTY
Board of County Commissioners
Item Number: 16.16.D.16.D.8.
Item Summary: Recommendation to approve one (1) mortgage satisfaction for the State
Housing Initiative Partnership (SHIP) loan in the amount of $2,500.
Meeting Date: 6/25/2013
Prepared By
Name: K1opfWendy
Title: Operations Coordinator,Housing, Human & Veteran Se
5/3/2013 11:59:14 AM
Submitted by
Title: Operations Coordinator,Housing, Human & Veteran Se
Name: K1opfWendy
5/3/2013 11:59:15 AM
Approved By
Name: LarsenKathleen
Date: 5/8/2013 3:19:12 PM
Name: GrantKimberley
Title: Interim Director, HHVS
Date: 5/20/2013 1:54:27 PM
Name: AlonsoHailey
Title: Operations Analyst, Public Service Division
Date: 5/23/2013 8:26:19 AM
Name: SonntagKristi
Date: 5/27/2013 8:21:04 PM
Name: AlonsoHailey
Title: Operations Analyst, Public Service Division
/'N Date: 6/3/2013 3:52:21 PM
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Name: WrightJeff
Title: Assistant County Attorney,County Attorney
Date: 6/4/2013 2:37:10 PM
Name: Joshua Thomas
Title: Grants Support Specialist,
Date: 6/6/2013 8:09:10 AM
Name: CarnellSteve
Title: Director - Purchasing/General Services,Purchasing
Date: 6/11/2013 4:03:01 PM
Name: KlatzkowJeff
Title: County Attorney
Date: 6/12/2013 11:40:04 AM
Name: FinnEd
Title: Senior Budget Analyst, OMB
Date: 6/13/2013 9:55:11 AM
Name: StanleyTherese
Title: Management/Budget Analyst, Senior,Office of Manage
Date: 6/13/2013 2:01:18 PM
Name: OchsLeo
Title: County Manager
Date: 6/14/2013 4:49:15 PM
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6/25/2013 16.D.8.
6/25/2013 16.D.8.
Prepared by:
Collier County
Housing, Human & Veteran Services
3339 E. Tamiami Trail
Naples, FL 34112
THIS SPACE FOR RECORDING
SATISFACTION OF MORTGAGE
KNOW ALL MEN BY THESE PRESENTS: That COLLIER COUNTY, whose post office address is
3299 E TAMIAMI TRAIL, NAPLES, FLORIDA 34112, the owner(s) and holder(s) of a certain
Mortgage executed by Obrian Morvan & Guerline Morvan to
COLLIER COUNTY, recorded on 0612312003 in Official Records Book 3322 , Page 1329 .
of the Public Records of Collier County, Florida, securing a principal sum Of $2,500.00 and
certain promises and obligations set forth in said Mortgage, upon the property situated in said State and
County described as follows, to wit:
Legal Description: Lot 26, Block C, Habitat Village, Collier County, Florida
Folio#48600002224
which has the address of 12180 Fuller Lane Naples FL 34113
COLLIER COUNTY hereby acknowledges full payment and satisfaction of said Mortgage, and
surrenders the same as cancelled, and hereby directs the Clerk of said Circuit Court to cancel the same of
record.
This Satisfaction of Mortgage was approved by the Board of County Commissioners on -
ATTEST:
DWIGHT E. BROCK, Clerk
By:
2013, Agenda Item Number.
Deputy Clerk
t
Approved as to form
and legal sufficiency:
Jeff E. Wright
Assistant County Attorney
BOARD OF COUNTY COMMISSIONERS
COLLIER COUNTY, FLORIDA
By:
GEORGIA A. HILLER, ESQ, CHAIRWOMAN
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1ett: 3207177 OR; 3322 PG; 1329
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62CO iD MORTGhu DOC -.IS
THIS SECOND MORTGAGE ('Security Instrument') is given on JuneiJA2003. The Second Mortgagor is:
Dorian & GueAine Morvan, Husband and Wife
6/25/2013 16.D.8.
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15.11
4.75
('Borrower'). This Security Instrument is given to Collier CoaatY ('Lender'), which is organized and existing under
the laws of the United States of America, and whose address is 3050 north liforseshrae Drive, Ilaite 275, tholes,
norida 35015 . Borrower owes Lender the sum of Tvo Thoueaad trice =+sadred sad rid /100ths Dollars (U.f3.
t 2,500.00 ), This debt is evidenced by Borrowers Note dated the some Oslo as two Security Irsinxrsm ('Seoornd Mortgage'), which
provides for monthly payments, with the full debt, it not paid r:arlier, due and payable 00 sale of are ertY, r*2Lmu%ace, or
loss of hoxaestead exemilption . This Security Instrument secures to Lender. (a) the repayment of the debt evidenced by the
Note, with Interest, and all renewals, extenslors and modifications: (b) the payment of all other sums, with interest advanced larder paragraph 7
10 protect the security of the Security Instrument: and (e) the performance of Borrowers covenants and agreements under this Security
Instrument and the Note. For this purpose, Borrower does hereby second mortgage, grant and convey to Lender the toeowlrq described
property located in Collier _County. Fonda.
As more particularly described as Lot 26, Stock C, Habnot lllltags, Coiner County, Florida and which has the address ot:
('Property Address'): 12160 Taller [.sae, merles ►lerida 34113
TOGETHER WITH all the improvements now or hereafter erected on the property. and all easements, rights, appurtenances, rents,
royalties, mineral, oil and gas rights and profits, water rights and stock aria all fixtures row 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 Met Borrower Is lawfully seized of the estate hereby conveyed and has the right to mongage, gram and
convey the Property and that the Property is unencumbered, except for encumbrances of rao0rd. Borrower warrants and will dotard generally
the title to the Property against all claims and demands, subject to any encumbrances of record.
THIS SECURITY INSTRUMENT Combines umlorm covenants for national use and non - uniform covenants with limited variation by
jurisdiction to constitute a uniform security instrument covering real property.
UNIFORM COVENANTS. Borrower and Lender covenant and agree as follows:
1. Payment of Principal and lrrhresh Prepayment and Late Charges. Borrower shall promptly pay when due the principal of and
Interest on the debt evidenced by the Note.
2. Taxes. The Mortgagor will pay an texas, ease e Ott` water rates prior 10 the accrual d any penalties or interest
thereon.
The Mortgagor shall pay or cause to qe pa t to due, (A)(1) all taxes and governmental charges of any
kind whatsoever which may at any time be lawful d or levied against or I to the Property, (2) all utility and other charges,
including 'service charges'. incurred or impos or Operation, maintenance, use, y, upkeep and Improvement of the Property, and
(3) all assessments or other govemmental ch s t a be id install s r a period d years, the Mortgagor shall be
obligated under the Mortgage to pay or cause o aid4k+)yra h inata s a are 1 to be paid during the tern of the Mortgage, and
shall, promptly after the payment of any ol Ile f rwe o e tierce d payment.
3. Application o1 Payments. Uni its received by Lander shall be applied; lust, to
interest due; and, to principal due; and last, o a lot Cho e d u r ol
t. Charges; Liens. Borrowers 1 II rges n dorms attributable t0 the Property which may
attain priority over this Security Instrument. pa IS r shat promptly furnish to Lender all
notices of amounts to be paid under INS Po and an receipts a the
Borrower shall promptly discharge a ' which has priority over nt unless Borrower: (a) agrees in writing to
the payment of the obligation secured by the I' hi nner acceptable to L r, ( to in good faith the lien by, or defends against
enforcement of the lien in, legal proceedings w 'I Lenders opinion operate the enforcement of the ken; or jc) secures horn
the holder of the her an agreement satisfactory to §5 noting the lie rfly Instrument. If Lender determines that any part
of the Property is subject to a lien which may all* p MS Lender may give Borrower a notice identnying the lien,
Borrower shell satisfy the lien or take one or more of the I n 10 days of the giving of notice.
6. Hazard or Property Insurance. Borrower she rats now existing or hereafter erected on the Property insured
against loss by fire, hazards included within the tern 'extended coverage' end any other hazards, including floods or tlooding, for wNch lender
requires insurance. This insurance shall be maintained in the amounts and for the periods that Lender requires. The insurance carrier
providing the insurance shall be chosen by Borrower subject to Lenders approval which shelf not be unreasonably withheld, If Borrower fails to
maintain coverage described above. Lender may, at Lenders option, obtain coverage 10 Protect Lenders rights in the Property in accordance
with paragraph 7. At all times that the Note is outstanding, the Mortgagor shall maintain insurance with respect 10 the Promises against such
risks and for such amounts as are customarily insured against and pay, ea the same become due and payable, all premiums In reaped thereto.
Including. but not limited to, as -risk Insurance protecting the interests of the Mortgagor and Mortgagee against less or damage to the Promises
by fire, lightning, and other casualties customarily insured against (including boiler explosion, d appropriate), with a uniform standard extended
coverage endorsement, including debris removal coverage. Such insurance at an times to be in an amount not less than the full replacement
coat of the Premises, exclusive of footings and foundations.
An insurance policies and renewals shall be acceptable to Larder and shall innclude a standard mortgage Clause. Lender shag have
the right to hold the policies and renewals. It Lender requires, Borrower shall promptly give to Lander all receipts of paid premiums and renewal
notices. In the even] of loss, Borrower shall give prompt notice to the insurance tamer and Lender. Lender may make proof of loss it not made
Promptly by Borrower.
Unless Lender and Borrower otherwise agree in writing, insurance proceeds shag be applied to restoration or repair of the Property
damaged, if the restoration or repair is eeonomNealy feasible and Lenders security is not lessened. If the restoration or repair is not
economically feasible or Lenders security would be lessened, the insurance proceeds shall be applied to the sums secured by the Security
Instrument, whether or not then due, with any excess paid to Borrower. If Borrower abandons the Property, or does not answer within 30 days
a notice Iron Lander that the insurance carrier has offered to Bettie 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 than due. The 3D-day period
—f
will begin when the notice is mated. Unless Lender and Borrower otherwise agree in writing, any application of proceeds to principal shall rot
O 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
d 21 the Property to oCrluirld by Larder, Borrowers right to any insurance policies and proceeds resulting from damage to the Property prior to
the acquisition shall pass to Lender to the extent d the sums secured by this Security Instnmr*M immediately prior to the acquisition.
S. Occupancy, Preservation, Maintenance and Protection of the Property; Borrewali Loan Application, Lsaeholde. Borrower sham
occupy, establish, and use the Property as Borrowers principal resdence within sixty days after the execution of this Security Instrument and
shalt Continue to Occupy the Property as Borrowers principal residence for at east one year after the date of occupancy, ideas Lander
otherwise agrees in writing, which Consent shall not be unreasonably withheld, or unless extenuili circumstances exist which are beyond
Borrowers control, Borrower shall not destroy, damage or Impair the Property, &now the Property to deteriorate, or commit waste on the
Property. Borrower shell be In default if any forfeiture action or proceeding, whether civil or criminal, is begun that in Lenders good faith
judgment could result in forfeiture of the Property or otherwise materially Impair the lien created by this Security Instrument or Lenders security
Interest. Borrower may cure Such a default and reinstate, all provided In paragraph 16, by cau s" the action or proceeding to be dismissed
with a ruling that, in Lenders good faith determination, precludes foAetture of the Borrowers inbtreet in the Property or other material
Impairment of the lien created by this Security Instrument or Lender's security Informal. Borrower shah also be in default It Borrower, during Ne
loan application process, gave materially false or Inaccurate Information or state., wta to Lender lot failed to provide Lender with any material
information) In connection with the loan evidenced by the Note, Including, but not limned lo, representations concemnng Borrower's occupancy
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1-�
6/25/2013 16.D.8.
OR; 3322 PG: 133u
of the Property as n principal residence. It this Security Instrument is on a leasehold, Sonowsr shall comply with as the provision Of the lease,
If Borrower acquires tee We to the Property, the leasehold and the fee title shall trot merge unless Lender agrees to the merger in writing.
7. Protection of Ltrnder's Rights In the Property, It Borrower tails to perform the covenants and agreements contained in this
Security Instrument. or there is a legal proceeding that may significantly effect Lenders rights in the Property (such as a proceeding in
bankruptcy, probate, for condemnation or forfeiture or to enforce laws or regulations), then Lender may do and pay for whatever is necessary to
Protect the value of the Property and Lender's rights in the Property. Leader's actions may Include paying any sums secured by a lion which
has priority over this Security Instrument, appearing in court, paying reasonable afromeys' foes and entering on the Property to make repairs.
Although Lender may take action under this paragraph 7. Lender does not nave to de so. Any amounts disbursed by Lender under this
paragraph 7 shall became additional debt of Borrower secured by be Security Instrument Unless Borrower and Lender agree to other terms
of payment, these amounts shall bear interest from Bre date of eisblrsenent at the Note rote and shall be payable, with interest, upon notice
from Lender to Borrower requesting payment.
0. Mortpapa Insurance. It Lender required mongage insurance as a condition of making the loan secured by this Security
Instrument, Borrower shall pay the premiums required to mairtialn the mortgage insurance in effect. If, for any reason, the mortgage insurance
coverage required by Lender lapses or ceases to be in affect, Borrower Shall pay the premiums required to obtain coverage substardletty
equivalent to the mortgage insurance previously in effect, of a coat substantially equivalent to the cost to Borrower of Mrs mortgage insurance
previously in effect, from an aflemate mortgage insurer approved by Lender, if substantially equivalent mortgage insurance coverage is not
available, Borrower shalt pay to Lender each month a sum equal to one- twefflh of the yearly mortgage insurance premium being paid by
Borrower when the Insurance coverage lapsed Or ceased to be in effect. Larder will accept, use and retw these payments as a Im reserve
in Neu of m engage insurance. Loss reserve payments may no longer be required, at the option of Lender, a mortgage insurance coverage (in
the amount and for the period that Lender requires) provided by an insurer approved by Lender again becomes available and is obtained,
Borrower shall pay the premiums required to maintain mortgage insurance in effect, or to provide a lose reserve, until the requirement for
mortgage insurance ends in accordance with any written agreement between Borrower and Lender or applicable taw.
Y. Inspection. Lender or its agent may make reasonable entries upon and inspections of the Property. Lender shall give Borrower
notice at the time of or prior to an inspection specifying reasonable cause for the inspeclion.
10. Condemnation, The proceeds of any award or claim for damages, direct or consequential. In Connection with any condemnation
or other taking ot any pen of the Property, or for conveyance in lieu of condemnation, are hereby assigned end shalt be paid to Lender. In the
event of a total taking of the Property, the proceeds shelf be applied to the sums seared by INS Security Instrument, whether or not then due,
with any excess paid to Borrower. In the event of a partial taking of the Property, in which IN fair market value of the Property immediately
before the taking is equal to or greater than the amok" of the sums secured by this Security Instrument immediately before the taking, unless
Borrower and Lender otherwise agree in writing, the sums secured by this Security Instnxrtarn shall be reduced by the amount of the proceeds
multiplied by the following traction: (a) the fast amount of the sums secured immediately before the taking, divided by (b) the fair mantel value
of the Property Immediately before the taking. Any balance shall be paid fO Borrower, In the event of a partial taking of the Property in which
the fair market value of the Properly immediately before the taking is less than the amours 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 rot the sums are then due. Unless Lender and Borrower otherwise agree in writing, any
application of proceeds to principal shall not extend or postpone the due oats of the monM>ty payments referred to in paragraphs 1 or change
the amount of such payments.
11. Borroww Not Retained, Foibm no@ By s lreslYlt ion of the lime for payment or rnodiffoation of
amortization of the sums secured by INS Security Inst nt Le ssor in interest of Borrower shell not operate to
release the Sabany of the original Borrower or essas In interest. Le r, not be required to convert rtae proceedings
against any successor In interest or refuse to exto ti or payment or otherwise lion ot the sums secured by INS Security
Instrument by reason of any demand made by I o ' ' aI over stoce I Merest. Any forbearance by Lender in
exercising any right or remedy shall not be a wa' r or the erclse ny right
12. Sucoeasors and Aalgns Dou ; The arts and agreema "s Of this Security
Instrument shall bind and benefit the successo a s L r, to
Provisions of paragraph 17, Borrower's coven nts g s f 1. Borrower who co-signs this Security
Instrument but does not execute the Nois; (a) i n' 911 t nt �e, grant and convey that Borrower's interest
in the Property under the lertns of this Security s ; ) ( obli sums secured by this Security Instrument;
and (c) agrees that Lender and any other Borr r y agree to extend, mods 0 or ny accommodations with regard to the terns
of this Security Instrument or the Note without 1 rs consent.
M Lan Charges. If the Joan secured Security Instrument is t e- ich Sets maximum loan charges. and that
tad is finally interpreted so that the Inrereat Or Other c rg05 cdleCted Or t0 be C connection with the ban exceed the pemitted
limits, then: (a) any such ban charge shall be reduc nt necessary charge to the permitted limit; and (b) any scans
already cdlected from Borrower which exceeded perm Lender may choose to make INS refund by
reducing the principal owed under the Note or by making a rtI, r, if a refund reduces principal, the reduction will be
treated as a partial prepayment without any prepayment charge 11+e iiota'�
14. NOtcea. Any notice to Borrower provided for in this Security Instrument shall be given by delivering 0 or by mailing it by first
class mall 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 Larder. Any notice to Lender shell be given to Borrower or Lender when given as provided in this paragraph.
15. Governing Law; Severablllty, This Security Instrument shall be governed by federal low and the law of the jurisdiction in which
the Property is located. in the event that any provision or clause oh this Security instnxrient 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 enact 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 &hall be given one conformed copy of the Note and of this Security Instrument,
17, Transfer of the Properly or a B"licial interior in Borrower. It all or any pan of the Property or any interest in it is sold or
transferred (or it a beneficial interest in Borrower is sold or transferred and Borrower is not a natural person) without Lender's prior written
consent, Lender may, at Its option, require Immediate payment in full of all sums Secured by thin Security Instrument. However, this option shall
not be exercised by Lender It exercise is pmhbled by federal law as of the date of INS Security Instrument.
If Lender exercised this option, Lander shall give Borrower notice of acceleration. The notice shall provide a period of not less than 30 days
from the dale the notice is delivered or mailed within which Borrower must pay all sums secured by this Security Insin anent. If Borrower fails to
pay these sums prior to the expiration of this period, tender may invoke any remedies permiaed by this Security Instrument without funnier
notice or demand on Borrower.
1!. Borrower's Right to Reinstate. If Borrower meets certain conditions. Borrower Shelf hew the right to have enforcement of INS
Security Instrument discontinued at any time prior to the earlier of: (a) 5 days (or such other period as applicable law may specify for
reinstate., nt) before sale of the Property pursuant to any power of sale contained in this Security Instrurent; or (b) entry of a judgment
enforcing the Security Instrument. Those conditions are that Borrower: (a) pays Lender an 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 dimlted to, reasonable attomey's tees: and (d) takes such action as Lender may
reasonably require to assure that the limn of this Security Instrument, Lender's rights in the Property and Borrower's obligation to pay the sums
secured by this Security Instrument shad continue unchanged. Upon reinstatement by Borrower, this Security Instrument and the obligations
secured hereby shall remain fully effective as it no acceleration had occurred. However, this right to reinstate shall not apply in the case of
acceleration under paragraph 17.
12, Sale of Nots; Change of Lan Serviesr. 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 to" in a change in the entity (known as the "Loon Serviceh') that
Con" monthly payments due under the Note and this Security Instrument. There also may be one or more changes a(** Loan Servicar
unrelated 10 a sale of the Note. It there is a change of the Loan Servicer, Borrower win be given wrinen notice of the change in accordance with
Paragraph 14 and applicable taw. The notice win state the name and address of the raw loan Servicer and the address to which payments
should be made. The notice wilt also contain any other information required by applicable law.
20, Hazardous Substances. Borrower shell not cause or permit the presence, use, disposal, storage, or release of wry Hazardous
Substances on or in the Property. Borrower shall not do, nor allow anyone else to d0, 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 to Property.
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OR: 3322 PG: 16/25/2013 16.D.8.
Borrower shall promptly give Lender written notice for any investigation, claim, demand, iawsul or other action by any govenxrbtttal or
regulatory agency or private party involving the Property and any Hazardous Substance or Environmental Law of which Borrower has actual
knowledge. It Borrower learns, or is notified by any governmental or regulatory authority, that any removal Of Whistle' alion of any
Hazardous Substance affecting the Property is necessary, Borrower shall promptly take 0 necessary remedial actions in accordance with
Environmental Law.
As used In INS paragraph 20, 'Hazardous Substances' are those substances detined as toxic or hazardous substances by Environmental Law
and the following substances: gasoline, kerosene, other flammable or toxic petroleum Products, toxic pesticides and herbicides, votable
solvents, materials containing asbestos or lomnakle", 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. AcceerWon; Remedies. Lender shell give notice to Borrower prior to acceleration tOftmng Borrowers breach of any cOwrensrn
or agreement in this Security Instrument (but not prior to acceleration under paragraph 17 unless applicable law provides oMenrise). The
notice shall specify: (a) the default; (b) the action required to cure the defautl; (c) a date. not Was then 30 days from the dale the notice is given
to Borrower, by which the default must be erred; and (d) that failure to cure the default on or before the dale spadhed in the no" may result
in acceleration of the sums secured by this Security Instrument, foreclosure by tuftlal procaading and sale of the Property. The notice "I
further Inform Borrower of the right to reinstate after acceleration and the right to assert In the IOreCIOWre proceeding the non-existence Of a
default or any other defense of Borrower to acceleration and forecosure, it the detsuh is not cured On or before the date specified in the notice.
Lender, at its option, may require immediate payment in fun of NI awn secured by this Security Instrument without further demand and may
foreclose this Security Instrument by judicial proceeding. Lender shah be entitled to Collect alt expenses incurred in pursuing the remedies
provided in this paragraph 21, including, but not limited to, reasonable attorney's less and costa of the title evidence.
22. Ralesee. Upon payment of all sums Secured by this Security Instrument, Lender shall release this Security Instrument, without
charge, to Borrower. Borrower shall pay any recordation costs.
21. Attolneya' Fees, As used in this Security Instrument and the Note, 'attorneys' tees' shall include any anomeys' fees awarded try
an appellate court.
24. Riders to this Security Instrument. 11 one or more riders are executed by Borrower and recorded together with this Security
Instrument, the covenants and agreements of each such rider shah be incorporated into and shah amend and supplement the covenants and
agreements of this Security Instrument as It the nder(s) were a part of this Security Instrument. (Check Applicable Box)
Adjuslabte Rate Rider
Rate Improvement Rider
Graduated Payment Rider
1.4 Family Rider
Balloon Rider
Weekly Payment Rider
Olher(s) (specify
SIGNING BELOW, Borrower accepts and agrees to the to r#
by Borrower and recorded with it.
t
/
Signed, seete�and; li vered in the pr a :
,;OANNE L. VARNE
.,
Condominium Rider
Second Hone Rider
❑ Planned Unit Development Rider
in this Security Instrument and in any riders) executed
Y
110rvan
Address: Sol / 1AW fuller Laaa
STATE OF FLO DA
COUNTY OF
1 hereby certify that on this day, before me, an officer duty a
I --'__
zed in the state aforesaid end in file county aforesaid to take
acknowledgements, personally appeared Obrian E C31rar1102 MgMn _to me known to be the person(s) described in and who executed the
foregoing instniment and acknowledged before me that (He/ shel they) executed the same for the purpose therein expressed,
i
WITNESS my hand and official seal in the County and Stab aforesaid this �. -� day pf 1 , 20_c,
My Commission Expires: _ %r— 4 1- 1 19
Notary Public's Signature
(Seal)
JOANNE L. VARWA
Notary's Printed Name
J(aWM L VitieEA
rl AtYCOM11119 01dl1XIMt
EXPeiS, Jews t2 M
so" r"*" em u - -
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6/25/2013 16.D.8.
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?�cf Z1i 1557
NAPLES TITLE, INC.
ESCROW ACCOUNT
4851 N. TAMIAMI TRAIL - SUITE 202
NAPLES, FL 34103
PH. 238.643 -1844
REGIONS
NAPLES, FLORIDA
63. 466/631
001557
April 03, 2013
ORDEROFE Collier County Board of County Commissioners ....... "* "" * "**" ` *" *" " *' "*—"**$2 500.00" f
* ** Two Thousand Five Hundred and 00/100 "' DOLLARS
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APR 2 3 2013
HOUSING & HUMAN SERVICES
FtSM SECTION
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6/25/2013 16.D.8.
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Doc.Type : CA (: Finaa34st.Cash Rcpts ) Normal document
Doc. Humber 100612211 Company code 1000 Fiscal year 2013
Doc. date 05102/2013 Posting date 05/02/2013 Period 02
:alculate Tax (-,1
Rei.dac. 203711
Doc. currency USD
Doc. Hdr Text SHIP
PR
Fund
Cost Ctr
WBS. elew.
Account
Account short text
Amount
Text
Funds.Ct
Cm= It
f unc
funded
Gran
40
991
104001
POOLED CASH AND I1AM
34,112.92
5/2/2013
ASSET
IIR
-MIRR
50
791
- 33222.1
369600
GRAHT. PROGRAM, INCOME
11,612.98-
SHIP I= PO rt4ORVAN,.MR -�
138791.:
369600
554
33222
332 --
50
791
33222.1
369600
GRM7 PAOaRM IITCO21-
2,500.00-
SHIP LOAN K Y31MN, OBP --
138791
369600
554
33222
332
50
791
44209.1
Be4100
SHIP AFFORD HOUSE
20,000.00-
SHIP.'REFUND- ZARZUELk SET-
13e791
884100
554
44209'.
GMNR
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