15595 N Lago Del Oro Pkwy - Pima

WIRE FRAUD ADVISORY

Criminals are targeting social media and email to steal information. This is particularly common in real estate transactions because sensitive data, including social security numbers, bank account numbers, and wire instructions are often sent by electronic means. We do not want you to be the next victim of wire fraud. Money wired to a fraudulent account is stolen money that typically cannot be recovered. Additionally, there is generally no insurance for this loss. You may never get the money back.

Before you wire funds to any party (including your lawyer, title agent, mortgage broker, or real estate agent) personally meet them or call a verified telephone number (not the telephone number in the email) to confirm before you act!

The undersigned acknowledges receipt of this Wire Fraud Advisory.

The National White Collar Crime Center @ http://www.nw3c.org/research

There are many online sources that can provide useful information regarding similar topics including, but not limited to, the following sites:

• It is imperative that this call be made to a number obtained in person from the individual or through other reliable means, not from a number provided in the email or the wiring instructions

The Internet Crime Complaint Center @ www.ic3.gov

The Federal Bureau of Investigation @ https://www.fbi.gov/scams and safety

Client Date Client Date

On Guard Online @ www.onguardonline.gov

DO NOT TRUST EMAILS CONTAINING WIRE INSTRUCTIONS

• If you receive an email containing wire transfer instructions, immediately call your escrow officer to ensure the validity of the instructions.

• If you receive an email requesting personal/financial information or asking you to download, click on a link, send, and/or do anything that may seem unusual to you, call your escrow officer immediately prior to acting on the suspicious email to verify the validity of the email.

ONLINE RESOURCES:

PROTECT YOURSELF VERIFY AND NOTIFY

DO NOT TRUST EMAILS SEEKING PERSONAL/FINANCIAL INFORMATION

TRUST YOUR SOURCE OF INFORMATION

• Never direct, accept or allow anyone in the transaction to consent to receiving transfer instructions without a direct personal telephone call to the individual allegedly providing the instructions.

Immediately notify your banking institution and Settlement/Title Company if you are a victim of wire fraud.

IMPORTANT -- PLEASE READ CAREFULLY:

This report is not an insured product or service or a representation of the condition of title to real property. It is not an abst ract, legal opinion, opinion of title, title insurance commitment or preliminary report, or any form of Title Insurance or Guaranty. This report is issued exclusively for the benefit of the Applicant therefor and may not be used or relied upon by any other person. This report may not be reproduced in any manner without First American or Title Security's prior written consent. First American or Title Security does not represent or warrant that the information herein is complete or free from error, and the information herein is provided without any warranties of any kind, as-is, and with all faults. As a material part of the consideration given in exchange for the issuance of this report, recipient agrees that First American or Title Security's sole liability for any loss or damage caused by an error or omission due to inaccurate information or negligence in preparing this report shall be limited to the fee charged for the report. Recipient accepts this report with this limitation and agrees that First American or Title Security would not have issued this report but for the limitation of liability described above. First American or Title Security makes no representation or warranty as to the legality or propriety of recipient's use of the information herein.

LIMITATION OF LIABILITY FOR INFORMATIONAL REPORTS

Subject Property 15595 N Lago Del Oro Pkwy APN:AZTucson85739222-31-007A

Data Provided By:

This REiSource report is provided "as is" without warranty of any kind, either express or implied, including without limitations any warrantees of merchantability or fitness for a particular purpose. There is no representation of warranty that this information is complete or free from error, and the provider does not assume, and expressly disclaims, any liability to any person or entity for loss or damage caused by errors or omissions in this REiSource report without a title insurance policy.

Data Provided By: First American Title Ins Co

The information contained in the REiSource report is delivered from your Title Company, who reminds you that you have the right as a consumer to compare fees and serviced levels for Title, Escrow, and all other services associated with property ownership, and to select providers accordingly. Your home is the largest investment you will make in your lifetime and you should demand the very best.

Disclaimer

Seller Name : R M Robinson Construction

Owner Transfer Information

Township-Range- Sect : 11S-14E-10

Census Tract / Block : 47.15 / 2 Map Reference : 10-11S-14E

Munic/Township : Amphitheater

County : Pima, Az

Owner Name : Kolodenko Marshall

Deed Type : Quit Claim Deed Document # : 2100582

Last Market Sale Information

Market Area : 421

Subject Property : 15595 N Lago Del Oro Pkwy Tucson AZ 85739

Customer Name : Jeremiah Stiffler

Owner OccupiedIndicator : O

Deed Type : Joint Tenancy Deed Sale Price : $160,000

Prior Doc Number : 10425-2235

Vesting Codes : / / Joint Tenants

Recording/Sale Date : 06/19/1998

Prior 1st Mtg Rate/Type : / Fixed Rate Loan

Prior 1st Mtg Amt/Type : $247,500

Price Per SqFt : $86.77 Document # : 10821-2152

Location Information

School District : Amphitheater

Customer Company Name : First American Prepared On : 09/15/2022

Legal Description : Ptn Ne4 Se4 Lyg Sly & Adj Hawser Rd & Wly & Adj Lago Del Oro Pkwy 1.28 Ac Sec 10-11-14

Prior Sale Information

APN : 222-31-007A

Prior Rec/Sale Date : 11/20/1996

Owner Information

Mailing Address : 15595 N Lago Del Oro Pkwy, Tucson AZ 85739-9620 R019

Recording/Sale Date : 07/28/2016 / 02/10/2016

Prior Deed Type : Warranty Deed

Prior Lender : National Bk/tx

Land Use : Sfr

Assessed Year : 2021 Market Value : $226,501 Current YearValue :Land $50

Tax Year : 2021 Current AssessedYear : 2023

Customer Name : Jeremiah Stiffler

Year Built / Eff : 1997

Parking Type : Garage

Property Tax : $2,687.72 Current YearValue :Total $28,480

Customer Company Name : First American Prepared On : 09/15/2022

Tax Information

Patio Type : Covered Patio

Tax Rate Area : 1006 Current ImprovementYearValue : $28,430

Living Area : 1,844

Total Rooms : 6

# of Stories : 1

Total Value : $226,501

Property Characteristics

Heat Type : Forced Air Quality : Good

Gross Area : 1,844

Cooling Type : Forced Air Condition : Excellent

Zoning : GR-1 Lot Size : 55,757

County Use : Single Fam Resrural Non Subd Lot Acres : 1.28

State Use : Single Fam Resrural Non Subd

Roof Material : Tile Air Cond : Refrigeration

Capacity :Garage 2

Exterior wall : Frame Wood Bath Fixtures : 7

Property Information

Total TaxableValue : $20,568

Subject Property Low High Average

3 15112 N Pelham Rd 410,000 205,422 08/25/2022 3 1,955 8,019 2004 0.88 CR-4

Sales Analysis

Total Assessed Value $226,501 $205,422 $312,736 $257,993

Customer Name : Jeremiah Stiffler

Sale Price $160,000 $410,000 $575,000 $518,750

S 15595 N Lago Del Oro Pkwy 160,000 226,501 06/19/1998 3 1,844 55,757 1997 GR-1

Bldg/Living Area 1844 1713 2004 1878

1 4520 E Coronado Ridge Ln 550,000 260,796 01/27/2022 2 2,004 47,916 2000 0.26 GR-1

Price Per Square Foot $86.77 $210 $315 $278.02

Year Built 1997 1999 2007 2003 Lot Size 55,757 8,019 49,611 37,386 3 2 3 3 Stories 1 1 1 1

2 15126 N Red Range Ln 575,000 312,736 10/28/2021 3 1,839 43,996 2007 0.52 GR-1

Distressed Sales

of Comparables # Address Sale Price TotalValueAssessed Sale Date Bed Bath Living Area Lot Size YearBuilt (Miles)Dist Zoning

Customer Company Name : First American Prepared On : 09/15/2022

Summary

Distance From Subject 0 0.26 0.91 0.64

BathroomsBedrooms

Criteria

4 4185 E Schroeder Rd 540,000 253,016 05/19/2022 2 1,713 49,611 1999 0.91 SH =

Customer Name : Jeremiah Stiffler

Map

Customer Company Name : First American Prepared On : 09/15/2022

Land Use: Sfr Subdivision / Tract: Black Horse / Lot Size: 8,019

Owner Name: Keyes Mark /Keyes Carole APN / Alternate APN: 222-35-067E / Deed Type: Warranty Deed Land Use: Sfr Subdivision / Tract: Green Vly Fairways 02 / Lot Size: 43,996

Owner Name: Crow George A /Kreiner Bonnie A APN / Alternate APN: 222-28-0140 /

Deed Type: Warranty Deed Land Use: Sfr Subdivision / Tract: Chaparral Estates 2 / Lot Size: 49,611

# of units: Document #: 3010232 Bedrooms: Pool: Pool

Year Built / Eff: 2000 / Rec. Date / Price: 01/27/2022 / $550,000 Living Area: 2,004 # of units: Document #: 270221 Bedrooms: Pool: Pool

Details of Comparables

# of units: Document #: 10821-2152 Bedrooms: Pool: Total Tax Value: $226,501 Bath(F/H): /

#3 15112 N Pelham Rd Tucson Az 85739

Bedrooms: Pool: Total Tax Value: $205,422 Bath(F/H): /

Owner Name: Kolodenko Marshall / APN / Alternate APN: 222-31-007A /

#4 4185 E Schroeder Rd Tucson Az 85739

Deed Type: Joint Tenancy Deed Land Use: Sfr Subdivision / Tract: / Lot Size: 55,757 Year Built / Eff: 1997 / Rec. Date / Price: 06/19/1998 / $160,000 Living Area: 1,844

Owner Name: Stridacchio Amanda M /Stridacchio Donald APN / Alternate APN: 222-40-0470 /

Deed Type: Warranty Deed Land Use: Sfr Subdivision / Tract: / Lot Size: 47,916

# of units: Document #: 2370243

Subject Property: 15595 N Lago Del Oro Pkwy Tucson Az 85739

Customer Name : Jeremiah Stiffler

Year Built / Eff: 1999 / Rec. Date / Price: 05/19/2022 / $540,000 Living Area: 1,713

Total Tax Value: $312,736 Bath(F/H): /

Year Built / Eff: 2007 / Rec. Date / Price: 10/28/2021 / $575,000 Living Area: 1,839

Total Tax Value: $260,796 Bath(F/H): /

Owner Name: Milligan Living Trust / APN / Alternate APN: 222-42-4010 / Deed Type: Warranty Deed

#2 15126 N Red Range Ln Tucson Az 85739

Customer Company Name : First American Prepared On : 09/15/2022

# of units: Document #: 1390495

#1 4520 E Coronado Ridge Ln Tucson Az 85739

Bedrooms: Pool: Total Tax Value: $253,016 Bath(F/H): /

Year Built / Eff: 2004 / Rec. Date / Price: 08/25/2022 / $410,000 Living Area: 1,955

Name

Subject

First American Prepared

Customer Name : Company : On :

Property : 15595 N Lago Del Oro Pkwy Tucson AZ 85739

Jeremiah Stiffler Customer

Customer Name : Jeremiah Stiffler

Customer Company Name : First American Prepared On : 09/15/2022

SchoolsArizona For detailed information and statistics on Arizona schools please go ©2021FirstFirsthttps://azreportcards.azed.gov/toAmericanTitleInsuranceCompany,andtheoperatingdivisionsthereof,makenoexpressorimpliedwarrantyrespectingtheinformationpresentedandassumenoresponsibilityforerrorsoromissions.American,theeaglelogo,FirstAmericanTitle,andfirstam.comareregisteredtrademarksortrademarksofFirstAmericanFinancialCorporationand/oritsaffiliates.FirstAmericanFinancialCorporationand/oritsaffiliates.Allrightsreserved.NYSE:FAF05117910421

11

01

UNIFIED 2101

E Hemlock Dr BNearCanyonRdW E Camino Del Cerro E Fairmount St SSwanRd NFrontageRd W Emigh Rd W Fort Lowe Rd dSPNumptationR E Nona Rd Ch efButteRd Lo al Ave NTricoRd SCattleTankRd Evalyn Rd SOwlHeadRanchRdGasLineRd PSecanRd NTrcoRd W Bayard Rd dRSSandaro WillowSpringsRd N Dove Mountain Blvd

10 AMPHITHEATER UNIFIED 701

350

39

06

13

First American Title Insurance Company, and the operating divisions thereof, make no express or implied warranty respecting the information presented and assume no responsibility for errors or omissions. First American, the eagle logo, First American Title, and firstam.com are registered trademarks or trademarks of First American Financial Corporation and/or its affiliates. ©2021 First American Financial Corporation and/or its affiliates. All rights reserved. NYSE: FAF

05249570321 AIRPORTINT'LTUCSON Air Force WSilverbellRd SSantaRitaRd NMtLemmon Hwy ESascoRd NF38 W Avra Valley Rd E Grand Va ey DrNAguirreRd dRkLNuce dRWNentzNWatermanMountainRd RdAnwayN W El Tiro Rd NTricoRd W Tucker Rd W Rudas l Rd W Manvi e Rd SSanJoaquinRdWBopp Rd W Snyder H l RddRSMarsear W Park Rd W Hermans RdW Hermans Rd W Guy St W Bush Rd SGaveyRd eaCNRinconado SWmoRd SShawRd SSierritaMountainRd SKobRdW TwinButtes Rd W Mcgee Ranch Rd ESstancaDr

TANQUE VERDE UNIFIED 2300 N. Tanque Verde Loop, Tucson, AZ 85749 520.749.5751 TUCSON UNIFIED 1010 E. 10th Street, Tucson, AZ 85717 520.225.6000 VAIL UNIFIED 10701 E. Mary Ann Cleveland Way, Tucson, AZ 85747 520.879.2000

20

WAnamax Mine Rd dRhRiGWacaanc Road424 WRagged Top Rd W Ruby Star Dr WBritten RanchRd W Pima Mine Rd S Mcgee RanchRd E Edw n Rd SGuildRd 80 NKINNEYRD SPICACHOHWYE BAUMGARTNER RD SNANDARIORDNANWAYRD W VALENCIA RD W MOORE RD W INA RD ESN1TAV E SUNRISE DR E SNYDER RDNSILVERBELLRD TRSNOLDIERLE RIVER RDE PRINCE RD E SPEEDWAY BLVD SFREEMANRDE 22ND ST E 22ND ST W IRVINGTON RD SNOGALESHWY W VALENCIA RDSMISSIONRDWSPEEDWAY BLVD SOLDSPANISHTRL W NARANJA DR W TWIN PEAKS RD W PICTURE ROCKS RD W MANVILLE RD SKINNEYRD W MILE WIDE RD E SAHUARITA RD NTRICORD OSSANDARRD PARK LINK DR SOLDNOGALESHWY GUOSHHTONRD ADCSLAANADRW HELMET PEAK RD WAJOHWY RNASNWD RDKOLBS SHOUGHTONRD W TANGERINE RD E GRANT RD SHOUGHTONRD 95 WAJOHWY E VALENCIA RD NORACLERD I-10 I-19 77 77 77 86 86 286 10 19 10 10 Corona de Tucson AdobesCasas Catalina Green Valley Oracle Picture Rocks Three Points VailSummit TanqueVerde SahuaritaTucson Red Rock Saddlebrooke Marana Oro Valley Rillito SummerhavenWillow Canyon Oracle Junction Cortaro Continental Littletown 20 30 13 15 51 39 12 01 01 08 10 16 11 06 PIMA COUNTY School District Information This map is provided for general location only. Please contact school districts for actual street boundaries SCHOOL DISTRICTS 15 AJO

EDesertDove

16 CATALINA

SHelvetiaRdUNIFIED N. Well Road, Ajo, AZ 85321 520.387.5618 VALLEY S. Sasabe Road, Tucson, AZ 85736 520.822.1484 W. Wetmore, Tucson, AZ 85705 520.696.5000 FOOTHILS E. River Road, Tucson, AZ 85718 520.209.7500 CONTINENTAL ELEMENTARY 1991 E. Whitehouse Canyon, Green Valley, AZ 85614 520.625.4581 FLOWING WELLS UNIFIED 1556 W. Prince Road, Tucson, AZ 85705 520.696.8800 MARANA UNIFIED 11279 W. Grier Road, Marana, AZ 85653 520.682.3243 PIMA COUNTY JTED 2855 W. Master Pieces Dr, Tucson, AZ 85741 520.352.5833 SAHUARITA UNIFIED W. Sahuarita Road, Sahuarita, AZ 85629 520.625.3502 SUNNYSIDE UNIFIED 2238 E. Ginter Road, Tucson, AZ 85706 520.545.2000

30

111

12

08

ELEMENTARY 10105

51 ALTAR

Distance 1.68 Miles 3401 E Wilds Rd Tucson AZ Telephone :85739(520) 696-6626

Kindergarten : Yes School Enrollment : Enrollment : 785 Total Expenditure/Student : 132

Coronado K-8 School

Customer Name : Jeremiah Stiffler

Public Schools :

Elementary Schools

Lowest Grade : Pre-K Highest Grade : 8th

School District : Amphitheater Unified District (4406)

Customer Company Name : First American Prepared On : 09/15/2022

Vitello's 3683 E Mecate Rd Tucson Az (520) 825-0140 1.31

Authentic Healing Myofascial Release, Pllc 3991 E Ruffian Rd Tucson Az (520) 400-8671 0.85

Heritage Manor At Lago Del Oro L.l.c. 16325 N Lago Del Oro Pkwy Tucson Az (520) 909-2892 1.06

Customer Company Name : First American Prepared On : 09/15/2022

Club Drive Baseball, Llc 16078 N Chapulin Way Tucson Az (520) 248-2513 0.68

Banks / Financial

Jpmorgan Chase Bank, National Association 15314 N Oracle Rd Tucson Az (520) 825-4145 1.52

Eating / Drinking

Name Address Telephone Distance (Miles)

AttractionsBusiness/Recreation

Name Address Telephone Distance (Miles)

Santina's Italian Deli 4104 E Trotter Pl Tucson Az (520) 603-1728 1.33

Mann Financial Inc. 37939 S Samaniego Dr Tucson Az (520) 818-3381 3.19

Wells Fargo & Company 15310 N Oracle Rd Tucson Az (520) 818-9891 1.52

Best Behavior, P.c. 15920 N Equestrian Trl Tucson Az (520) 603-7850 0.94

Wishing Well Trailer Court 16100 N Oracle Rd Tucson Az (520) 825-3361 1.84

Name Address Telephone Distance (Miles)

Signals The Band Llc 3402 E Swallowtail Ln Tucson Az (520) 825-9416 1.56

Name Address Telephone Distance (Miles)

Pima Pistol Club Inc 13390 N Lago Del Oro Pkwy Tucson Az (520) 825-3603 2.13

Arizona Chili Roasters 16010 N Coronado View Rd Tucson Az (520) 825-8717 0.86

Kissed By An Italian Llc 15750 N Rdrunner Ridge Ln Tucson Az (520) 256-8459 1.04

Health Care Services

Nurse Ones Wellness 15155 N Rugged Lark Dr Tucson Az (520) 232-2102 0.84

Customer Name : Jeremiah Stiffler

Local

Home Mortgage Finance Corp. 63701 E Saddlebrooke Blvd Tucson Az (520) 825-8639 3.32

Moore, M Ichael Dennis 15450 N Twin Lakes Dr Tucson Az (520) 815-8243 1.04

Organizations / Associations

Name Address Telephone Distance (Miles)

Miraval Resort Arizona Operating Co., Inc.

Shopping

Our Garden Llc 16500 N Stallion Pl Tucson Az (520) 825-3861 1.21

Personal Services

Customer Company Name : First American Prepared On : 09/15/2022

New Life Pentecostal Church 16550 N Columbus Blvd Tucson Az (520) 882-4225 1.26

Forever Active Llc 1846 E Innovation Park Dr Oro Valley Az (416) 487-5174 4.57

A 1 Homes Services 16313 N Sotol Ave Tucson Az (520) 825-5690 0.95

Customer Name : Jeremiah Stiffler

Church Of Christ 4160 E Schroeder Rd Tucson Az (520) 248-1744 0.95

5000 E Via Estncia Mraval Tucson Az (800) 825-4000 1.47

Ducks Inc 3840 E Brayer Horse Pl Tucson Az (360) 944-5988 1.26

Miraval Service Corporation 5000 E Via Estncia Mraval Tucson Az (520) 825-4000 1.47

Miraval Resort Tucson, Llc 5000 E Via Estncia Mraval Tucson Az (800) 232-3969 1.47

Hospitality

Name Address Telephone Distance (Miles)

Catalina Lutheran Church 15855 N Twin Lakes Dr Tucson Az (520) 825-9255 1.14

Hyatt Corp 5000 E Via Estncia Mraval Tucson Az (520) 825-4000 1.47

Iglesia Bautista Horeb 3845 E Golder Ranch Dr Tucson Az (520) 365-6152 1.01

Total Value : $220,404 Property Tax : $2,626.68

Total Value : $282,926

Stories : 1 APN : 222-31-007B

Total Value : $104,561

Sale Date : 09/21/1998

Distance 0.08 Miles

Bed / Bath : / 3 Lot Acres : 1.09

Customer Company Name : First American Prepared On : 09/15/2022

15601 N LAGO DEL ORO PKWY

Property Tax : $3,044.52

Land Use : Sfr Living Area : 1,750

Recording Date : 02/27/2001

Owner Name : Winter Dale T Recording Date : 02/04/1999

Yr Blt / Eff Yr Blt : 1987 / 1987

Stories : 1 Living Area : 1,243

Bed / Bath : / 3 Lot Acres : 1.07

Total Value : $470,957

Land Use : Nursing Home Living Area : 4,877

Lot Acres : 1.53

Sale Date : 06/22/2010

Yr Blt / Eff Yr Blt : 1997 /

Sale Date : 02/00/2001

Recording Date : 07/14/2010

Distance 0.04 Miles

Sale Price : $187,500

Distance 0.03 Miles

Land Use : Sfr Lot Acres : 0.49

Yr Blt / Eff Yr Blt : 1968 / APN : 222-28-077D

15591 N LAGO DEL ORO PKWY

Sale Price : $169,798

Yr Blt / Eff Yr Blt : 1999 /

15525 N LAGO DEL ORO PKWY # 1

Owner Name : Colldock Charles

Customer Name : Jeremiah Stiffler

Stories : 1 APN : 222-31-008E

Subdivision : Lago Del Oro Pkwy

Property Tax : $6,305.46

15589 N LAGO DEL ORO PKWY Distance 0.06 Miles

Sale Price : $100,000

Stories : 1 APN : 222-31-007D

Owner Name : Bartleson Wilbert N

Land Use : Sfr Living Area : 1,844

Bed / Bath : / 1 Property Tax : $1,190.45

Owner Name : Kirby Rodney G

Yr Blt / Eff Yr Blt : 1995 /

Stories : 1 APN : 222-28-0750

Property Tax : $3,690.17

Sale Date : 04/00/1996

Stories : 1 APN : 222-31-008A

Yr Blt / Eff Yr Blt : 2004 / 2004

Owner Name : Milne

Lot Acres : 1.53

Yr Blt / Eff Yr Blt : 1996 / 1996

4491 E HAWSER ST Distance 0.08 Miles

Customer Name : Jeremiah Stiffler

Sale Date : 06/00/2004

15515 N LAGO DEL ORO PKWY Distance 0.08 Miles

Owner Name : Keune Casey J

Land Use : Mobile Home Lot Acres : 1.01

Owner Name : Pima County

Land Use : Mobile Home Lot Acres : 2.15

15625 N LAGO DEL ORO PKWY Distance 0.08 Miles

Recording Date : 05/02/1996

15510 N LAGO DEL ORO PKWY Distance 0.1 Miles

Total Value : $164,888

Customer Company Name : First American Prepared On : 09/15/2022

Recording Date : 06/08/2004

Sale Price : $110,000

Recording Date : 03/15/1989

Property Tax : $1,634.50

Owner Name : Megerle Jeffrey Lynn

Total Value : $54,000

Land Use : County Property APN : 222-31-022A

Sale Price : $101,697

Total Value : $125,079

Property Tax : $2,154.73

Stories : 1 APN : 222-28-077G

Total Value : $293,664

Bed / Bath : / 3 Lot Acres : 1.30

Land Use : Sfr Living Area : 2,343

Estimate Current Year: 4,267 12 - 17

Average Current Year: 2.5 $25,000 - $35,000 11.06%

Household

Estimate in 5 Years: 1,571 $35,000 - $50,000 11.92%

$800 - $1,999: 39.46% $150,000 - $200,000: 22.88% Over $2,000: 5.06% $200,000 - $300,000: 8.95%

$300 - $799: 42.65% $100,000 - $150,000: 26.63%

Census Tract / block: 47.15 / 2 Year: 2018

Unmarried People: 45.29%

Male Population: 51.39% Above $100,000 20.74%

Estimate in 5 Years: 3,985 18 - 24 4.56%

Customer Name : Jeremiah Stiffler

Under $300: 12.83% Below $100,000: 30.72%

Female Population: 48.61% Average Household Income: $53,950

Median Mortgage Payments Home Values

Customer Company Name : First American Prepared On : 09/15/2022

Household Size Household Income

Population Population by Age

Count: 4,341 0 - 11

Growth Last 5 Years: -6.77% 25 - 64 46.86%

Married People: 54.71%

Growth Last 5 Years: -0.75% $50,000 - $75,000 27.3%

Growth Last 10 Years: -192.57% 65 - 74 14.58% 75+

Current Year: 1,736 0 - $25,000 21.08%

Median Home Value: $136,100 $300,000 - $500,000: 9.43%

Growth Last 10 Years: -17% $75,000 - $100,000 7.89%

Median Mortgage: $714

Unit Occupied Owner: 83.06% Above $500,000: 1.39%

Housing

Rent Payments

Sales: 22.69% Self Employed Worker: 4.43%

$750 - $999 49.43% 1970 - 1979 14.95%

Enrollment

Service: 23.19% Skilled:

Manager/Prof: 29.11% Private Worker: 66.8%

Workforce

Private Pre-Primary School: 0.96% Not A High School Graduate: 10.18%

Private House Hold: Farming: 16.1%

Protective Services: Blue-Collar: 25.01%

Private College: 0% Graduate Degree: 7.31%

15 min - 28 min: 27.55%

Administrative: Unpaid Family Worker: 8.25%

Private School: 1.98% Attended Some College: 27.58%

$1000 and Over 13.41% 1900 - 1969 4.63%

Public School: 20.47% Graduate Of High School: 29.73%

Unit Occupied Renter: 16.94% 1999 - 2000

Public Pre-Primary School: 0.38%

Education

Year Built

Less Than 15 Min: 20.15%

Not Enrolled in School: 77.56%

Commute Time

Median Gross Rent: $829 1995 - 1998

Customer Name : Jeremiah Stiffler

Technical: Government Worker: 11.9%

Public College: 4.02% College Graduate: 25.2%

Less Than $499 21.84% 1990 - 1994

30 min - 57 min: 35.5%

Occupation:

Customer Company Name : First American Prepared On : 09/15/2022

$500 - $749 15.33% 1980 - 1989 37.63%

Over 60 min: 16.81%

Customer Name : Jeremiah Stiffler

Customer Company Name : First American Prepared On : 09/15/2022

Customer Name : Jeremiah Stiffler

Customer Company Name : First American Prepared On : 09/15/2022

Customer Name : Jeremiah Stiffler

Customer Company Name : First American Prepared On : 09/15/2022

PARCEL: 222-31-007A

SEARCH PARAMETERS

OWNER: KOLODENKO MARSHALL & TOCCO CATHERINE JT/RS 10821 2152 06/19/1998 SITUS: 15595 N LAGO DEL ORO PW PC

MAIL: 15595 N LAGO DEL ORO PKWY TUCSON AZ 85739-9620

CURRENT TAXES

LEGAL: PTN NE4 SE4 LYG SLY & ADJ HAWSER RD & WLY & ADJ LAGO DEL ORO PKWY 1.28 AC SEC 10-11-14

INFORMATION THROUGH 07/28/2022 LAND IMPR EXEMPT RATE AREA SPECIAL DISTRICTS PRIMARY 20,568 0 0 9.4097 1006 SECONDARY 50 22,600 0 5.3279 2021 TOTAL TAX BILLED 2,687.72

TOTAL CURRENT TAXES DUE 09/22 0.00 10/22 0.00

+ FIRST AMERICAN TITLE, FC0, JSTI PIMA, AZ 09/15/2022 10:08AM R9C8 INVESTIGATIVE SEARCH RESULTS PAGE 1 OF 1

DATE PAID TOTAL DUE

2021 TAX AMT TAX DUE INTEREST

FIRST HALF 1,343.86 0.00 0.00 09/20/2021 0.00 SECOND HALF 1,343.86 0.00 0.00 09/20/2021 0.00

PARCEL: 222-31-007A

IMPROVEMENTS RESIDENTIAL BLDG SQFT 1,844 FULL CASH VALUE 226,501 YEAR BUILT 1997 LAND USE 01 34 NUMBER OF STORIES 1.0 LOT SIZE 1 STDLT STORIES HEIGHT 0 SCHOOL DISTRICT 1006 EXTERIOR WALLS FRAME WOOD LAND FULL CASH VALUE 502 GRADE MATERIALS IMPR FULL CASH VALUE 225,999 SALES NO SALES ADDITIONAL PROPERTY INFORMATION STANDARD LAND USE: SFR END SEARCH

INSTRUMENT REC DATE

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 The recorded plat may be older, with limited information available, or

 The property is sectional, whereas there are no “standard” subdivision‐type restrictions

 A recorded plat may not exist

If you have questions, or need additional information at this time, please contact your First American or Title Security Account Manager or Escrow Officer.

The property is too complex to obtain CC&Rs without a complete title examination

Once escrow is opened, the property will be thoroughly examined. CC&Rs and other matters that may “run with the land” will be disclosed in Schedule B of the Commitment for Title Insurance.

We are providing the requested information without CC&Rs.

 Recorded CC&Rs may not exist.

Unfortunately, we are unable to confirm CC&Rs at this time, possibly because:



to the Title & Escrow Process in Arizona Home Seller’s Guide

Southwest Gas www.swgas.com1.877.860.6020 Cox www.cox.com602.277.1000 Direct TV www.directv.com1.888.777.2454 Dish Network www.dishnetwork.com1.800.823.4929 CenturyLink www.centurylink.com800.366.8201 AT&T www.att.com1.800.222.0300 Verizon www.connecttoverizon.com1.877.300.4498 Salt River Project www.srpnet.com602.236.8888 APS www.aps.com602.371.7171 Your Escrow Number Your New City/State/ZipAddress Real Estate Agent Name Email Assistant Email Company Phone Address Fax Insurance CompanyPrevious Phone Previous Agent No.Policy New Company Phone New Agent No.Policy Home CompanyWarranty No.Policy First American Title Escrow Officer Email Escrow Assistant Email Address Phone City/State/Zip Fax 02 Quick Reference 03 Welcome 04 Benefits of Using a REALTOR ® 05 Key Professionals 06 Preparing Your Home for Sale 07 Staging Your Home for Show 09 Terms You Should Know 10 The Life of an Escrow 11 Closing Costs: Who Pays What 12 The Escrow Process 14 Understanding Title Insurance 16 Consider This 17 Closing Your Escrow 18 Planning Your Move Q uick Reference Table of Contents Utilities and Services

First American Financial Corporation offers more than title insurance and escrow services through its subsidiaries. Our subsidiaries also provide property data, title plant records and images, home warranties, property and casualty insurance, and banking, trust and advisory services.

Welcome to the home-selling process. Throughout this process, you can count on First American Title to guide you smoothly through your transaction and provide expert answers to your questions. We are happy to serve you.

Count on First American Title

AZ Sellers Guide | 3

Count On Us For Service

First American Title’s professionals are proud to provide the title insurance that assures people’s home ownership. Backed by First American Title Insurance Company, your transaction will be expertly completed in accordance with state-specific underwriting standards and state and federal regulatory requirements.

Count On Us For Stability

Count On Us To Meet Your Needs

Count On Us For Convenience

First American Title has a direct office or agent near you, offering convenient locations throughout Arizona. We also have an extensive network of offices and agents throughout the United States, and internationally.

First American Title is the principal subsidiary of First American Financial Corporation, and one of the largest suppliers of title insurance services in the nation. With roots dating back to 1889, we’ve served families for generations.

Are you...

- concerned about having strangers walking through your home?

› Knows how to price your home realistically, to give you the highest price possible within your time frame.

A REALTOR ® :

FOR SALE BY OWNER

- know how to advertise effectively and what the costs will be?

› Can help protect your rights, particularly important with the increasingly complicated real estate laws and regulations.

- know how to determine your home’s current market value?

Benefits4 of using a Professional REALTOR ®

- aware of conditions in the marketplace today that affect value and length of time to sell?

› Is experienced with resolving problems to facilitate a successful closing on your home.

Only you can determine whether you should attempt to sell your home—probably your largest investment—all alone. Talk with a REALTOR® before you decide. You may find working with a professional is a lot less expensive and much more beneficial than you ever imagined!

› Can advertise effectively for the best results.

- prepared to give up your evenings and weekends to show your home to potential buyers and “just-looking” time wasters?

Many people believe they can save a considerable amount of money by selling their homes themselves. It may seem like a good idea at the time, but while you may be willing to take on the task, are you qualified? The following are some questions to help you realistically assess what’s involved.

› Can remain objective when presenting offers and counter-offers on your behalf.

- have the knowledge, patience, and sales skills needed to sell your home?

- know how to determine whether or not a buyer can qualify for a loan?

- familiar enough with real estate regulations to prepare a binding sales contract? Counter-offers?

› Is always “on-call,” answering the phone at all hours, and showing homes evenings and weekends.

Before you make the decision to try to sell your home alone, consider the benefits a REALTOR ® can provide that you may not be aware of.

› Is experienced in creating demand for homes and how to show them to advantage.

› Knows how to screen potential buyers and eliminate those who can’t qualify or are looking for bargain-basement prices.

Do you...

- aware that every time you leave your home, you are taking it off the market until you return?

- understand the steps of an escrow and what’s required of you and the buyer?

AZ Sellers Guide |

› Will listen to your needs, respect your opinions and allow you to make your own decisions.

- aware that prospective buyers and bargain hunters will expect you to lower your cost because there’s no REALTOR® involved?

- have arrangements with an escrow and title company, home warranty company, pest-control service and lender to assist you with the transaction?

› Maintains errors-and-omissions insurance.

- need to hire a real estate attorney? If so, do you know what the cost will be and how much liability they will assume in the transaction?

› Knows how to go toe-to-toe in negotiations.

- understand the various types of loans buyers may choose and the advantages and disadvantages for the seller?

› Understands market conditions and has access to information not available to the average homeowner.

A key role of the buyer’s agent or broker is to work with the buyer to locate a suitable property and negotiate a successful home purchase.

AZ Sellers Guide | 5

Key Professionals Involved in Your Transaction

MULTIPLE LISTING SERVICE (MLS)

These are the people who carry out the title search and examination, work with you to eliminate the title exceptions you are not willing to take subject to, and provide the policy of title insurance regarding title to the real property.

An escrow officer leads the facilitation of your escrow, including escrow instructions preparation, document preparation, funds disbursement, and more.

ESCROW OFFICER

A key role of the listing agent or broker is to form a legal relationship with the homeowner to sell the property and place the property in the Multiple Listing Service.

REALTOR ®

TITLE COMPANY

REAL ESTATE AGENT

LISTING AGENT

The MLS is a database of properties listed for sale by REALTORS ® who are members of the local Association of REALTORS.® Information on an MLS property is available to thousands of REALTORS ®

A real estate agent is licensed by the state to represent parties in the transfer of property. Every REALTOR ® is a real estate agent, but not every real estate agent has the professional designation of a REALTOR.®

BUYER'S AGENT

A REALTOR ® is a licensed real estate agent and a member of the National Association of REALTORS,® a real estate trade association. REALTORS ® also belong to their state and local Association of REALTORS.®

Brighten the appearance inside by painting walls, cleaning windows and window coverings, and removing sunscreens.

Make sure the front steps are clear and hazard-free. Make sure the doorbell works properly and has a pleasant sound.

Check stucco walls for cracks and discoloration.

Check the pool and/or spa equipment and pumps. Make sure all are working properly and that the pool and/or spa are kept clean.

AZ Sellers Guide | 6

Paint or replace the mailbox, if needed.

Ensure that all exterior lights are working.

First impressions have a major impact on potential buyers. Try to imagine what potential buyers will see when they approach your house for the first time and walk through each room. Ask your REALTOR ® for advice; they know the marketplace and what helps a home sell. Here are some tips to present your home in a positive manner:

Make sure toilet seats look new and are firmly attached.

Air conditioners/heaters, evaporative coolers, hot water heater should be clean, working and inspected if necessary. Replace filters.

Remove clutter throughout the house. Organize and clean out closets.

Repair or replace loud ventilating fans. Replace worn shower curtains.

Repair or replace loose knobs on doors and cabinets. If doors stick or squeak, fix them.

YOURFORPREPARINGSALEHOME

Rearrange furniture to make rooms appear larger. If possible, remove and/or store excess furniture, and avoid extension cords in plain view.

Repair or replace worn shutters and other exterior trim.

Repair leaky faucets and caulking in bathtubs and showers.

Inspect fences, gates and latches. Repair or replace as needed.

If screens or windows are damaged, replace or repair them.

Mow and edge the lawn regularly, and trim the shrubs.

Remove any oil and rust stains from the driveway and garage.

Shampoo carpeting or replace if worn. Clean tile floors, particularly the caulking.

Clean household appliances and make sure they work properly.

Clean and organize the garage, and ensure the door is in good working order.

Make your entry inviting: Paint your front door and buy a new front door mat.

cans and put them out of sight.

Clear all clutter from counter tops.

Hang clean attractive guest towels in the bathrooms.

Make beds with attractive spreads.

AZ Sellers Guide | 7

Close the windows to eliminate street noise.

Check that sink and tub are scrubbed and unstained.

Get rid of odors such as tobacco, pets, cooking, etc., but don’t overdo air fresheners or potpourri. Fresh baked bread and cinnamon can make a positive impact.

Send pets away or secure them away from the house, and be sure to clean up after them.

To make the best impression, keep your home clean, neat, uncluttered and in good repair. Please review this list prior to each showing:

Keep everything clean. A messy or dirty home will cause prospective buyers to notice every flaw.

Staging your home for Show

Let the light in. Raise shades, open blinds, pull back the curtains and turn on the lights.

If possible you, your pets, and your children should be gone while your home is being Cleanshown.trash

If you must be present while your home is shown, keep noise down. Turn off the TV and radio. Soft, instrumental music is fine, but avoid vocals.

Keep the garage door closed and the driveway clear. Park autos and campers away from your home during showings

Stash or throw out newspapers, magazines, junk mail.

AZ Sellers Guide | 8

A form of encumbrance that usually makes a specific parcel of real property the security for the payment of a debt or discharge of an obligation. For example, judgments, taxes, mortgages, deeds of trust.

Form designed to provide disclosures that will be helpful to borrowers in understanding the key features, costs and risks of the mortgage loan for which they are applying. Initial disclosure to be given to the borrower three (3) business days after application.

Deed of Trust

Impounds

A description of land recognized by law, based on government surveys, spelling out the exact boundaries of the entire parcel of land. It should so thoroughly identify a parcel of land that it cannot be confused with any other.

Down payment made by a purchaser of real property as evidence of good faith; a deposit or partial payment.

Lien

An estimate of value of property resulting from analysis of facts about the property; an opinion of value.

A trust type of account established by lenders for the accumulation of borrower’s funds to meet periodic payments of taxes, mortgage insurance premiums and/or future insurance policy premiums, required to protect their security.

The instrument by which real property is pledged as security for repayment of a loan.

Endorsement

Settlement statement

TRID

As to a title insurance policy, a rider or attachment forming a part of the insurance policy expanding or limiting coverage.

Filing documents affecting real property with the appropriate government agency as a matter of public record.

Deed Restrictions

Appraisal

Beneficiary

The recipient of benefits, often from a deed of trust; usually the lender.

Comparable Sales

Occurs when the borrower becomes contractually obligated to the creditor on the loan, not, for example, when the borrower becomes contractually obligated to a seller on a real estate transaction. The point in time when a borrower becomes contractually obligated to the creditor on the loan depends on applicable State law. Consummation is not the same as close of escrow or settlement.

Generally the date the buyer becomes the legal owner and title insurance becomes effective.

Earnest Money Deposit

Easement

Real estate insurance protecting against fire, some natural causes, vandalism, etc., depending upon the policy. Buyer often adds liability insurance and extended coverage for personal property.

Loan Estimate (LE)

Provides a complete breakdown of costs involved in a real estate transaction.

TILA-RESPA Integrated Disclosures

Limitations in the deed to a parcel of real property that dictate certain uses that may or may not be made of the real property.

Hazard Insurance

Consummation

Sales that have similar characteristics as the subject real property, used for analysis in the appraisal. Commonly called “comps.”

A written instrument whereby a principal gives authority to an agent. The agent acting under such a grant is sometimes called an “Attorney-in-Fact.”

AZ Sellers Guide | 9

Closing Disclosure form designed to provide disclosures that will be helpful to borrowers in understanding all of the costs of the transaction. This form will be given to the consumer three (3) business days before closing.

Closing Disclosure (CD)

Terms You Should Know

Disbursement Date

The date the amounts are to be disbursed to a buyer and seller in a purchase transaction or the date funds are to be paid to the borrower or a third party in a transaction that is not a purchase transaction.

PITI

A payment that includes Principal, Interest, Taxes, and Insurance.

Power of Attorney

Recording

An instrument used in many states in place of a mortgage.

Annual Percentage Rate (APR)

The borrower’s costs of the loan term expressed as a rate. This is not their interest rate.

Legal Description

Mortgage

Close of Escrow

A right, privilege or interest limited to a specific purpose that one party has in the land of another.

THE LENDER

Prepares recording instructions and submits docs for recording.

Requests necessary information from buyers and sellers via opening packages.

Coordinatesconsummation.withlender on the preparation of the CD.

Schedules signing appointment and informs buyer of funds due at settlement.

Chooses a Real Estate Agent

THE ESCROW OFFICER

Makes offer to purchase. Upon acceptance, opens escrow and deposits earnest money.

Accepts Buyer’s offer to openingCompletespurchase.andreturnspackagefromFirstAmericanTitle,includinginformationsuchasforwardingaddress,payofflendercontactinformationandloannumbers.Ordersanyworkforinspectionsand/orrepairstobedoneasrequiredbythepurchaseagreement.Escrowofficerorrealestateagentcontactsthesellertoschedulesigningappointment.Documentsarerecordedandallproceedsfromsalearereceived.

Reviews title commitment / preliminary report.

Underwritingapproval.reviews loan package for approval.

Schedules inspections and evaluates findings. Reviews title BuyerpriorlenderpaperworkProvidespreliminarycommitment/report.allrequestedtoLender(bankstatements,taxreturns,etc.)Allinvoicesandfinalapprovalsshouldbetothenolaterthan10daystoloanconsummation.Lender(orEscrowOfficer)preparesCDanddeliverstoatleast3dayspriortoloanconsummation.Escrowofficerorrealestateagentcontactsthebuyertoschedulesigningappointment.Buyerconsummatesloan,executessettlementdocuments,&depositsfundsviawiretransfer.Documentsarerecordedandthekeysaredelivered!

Collects information such as title commitment / preliminary report, appraisal, credit report, employment and funds verification. Reviews and requests additional information for final loan

Completes and returns opening package from First American Title.

All demands, invoices, and fees must be collected and sent to lender at least 10 days prior to loan

Once loan is consummated, sends funding package to lender for review.

The Life Of An Escrow

Upon receipt of opening packages, orders demands for payoffs. Contacts buyer or seller when additional information is required for the title preliminarycommitment/report.

Reviews all documents, demands, and instructions and prepares settlement statements and any other required documents.

THE BUYER

Documents are recorded and funds are disbursed. Issues final settlement statement.

Orders and reviews title commitment / preliminary report, property appraisal, credit report, employment and funds verification.

Gets pre-approval letter from Lender and provides to Real Estate Agent.

Upon receipt of order and earnest money deposit, orders title examination.

THE SELLER

AZ Sellers Guide | 10

Finalizes loan application with Lender. Receives a Loan Estimate from Lender.

Accepts Buyer’s application and begins the qualification process. Provides Buyer with Loan Estimate.

Coordinates with Escrow Officer on the preparation of the Closing Disclosure, which is delivered to Buyer at least 3 days prior to loan documents,UponDeliversconsummation.loandocumentstoescrow.reviewofsignedloanauthorizesloanfunding.

Chooses a Real Estate Agent

AZ Sellers Guide | 11 CASH FHA VA CONV 1. Downpayment BUYER BUYER BUYER BUYER 2. Termite (Wood Infestation) Inspection (negotiable except on VA) SELLER 3. Property Inspection (if requested by buyer) BUYER BUYER BUYER BUYER 4. Property Repairs, if any (negotiable) SELLER SELLER SELLER SELLER 5. New Loan Origination Fee (negotiable) BUYER BUYER BUYER 6. Discount Points (negotiable) BUYER BUYER BUYER 7. Credit Report BUYER BUYER BUYER 8. Appraisal or Extension Fee (negotiable) BUYER BUYER BUYER 9. Existing Loan Payoff SELLER SELLER SELLER SELLER 10. Existing Loan Payoff Demand SELLER SELLER SELLER SELLER 11. Loan Prepayment Penalty (if any) SELLER SELLER SELLER SELLER 12. Next Month’s PITI Payment BUYER BUYER BUYER 13. Prepaid Interest (approx. 30 days) BUYER BUYER BUYER 14. Reserve Account Balance (Credit seller / Charge buyer) PRORATE PRORATE PRORATE 15. FHA MIP, VA Funding Fee, PMI Premium BUYER BUYER BUYER 16. Assessments payoff or proration (sewer, paving, etc.) SELLER 17. Taxes PRORATE PRORATE PRORATE PRORATE 18. Tax Impounds BUYER BUYER BUYER 19. Tax Service Contract SELLER SELLER BUYER 20. Fire/Hazard Insurance BUYER BUYER BUYER BUYER 21 Flood Insurance BUYER BUYER BUYER 22. Homeowners Association (HOA) Transfer Fee BUYER or SELLER BUYER or SELLER BUYER or SELLER BUYER or SELLER 23. HOA/Disclosure Fee SELLER SELLER SELLER SELLER 24 Current HOA Payment PRORATE PRORATE PRORATE PRORATE 25. Next Month’s HOA Payment BUYER BUYER BUYER BUYER 26. Home Warranty Premium (negotiable) BUYER or SELLER BUYER or SELLER BUYER or SELLER BUYER or SELLER 27. REALTORS®’ Commissions SELLER SELLER SELLER SELLER 28. EAGLE Homeowners Title Policy SELLER SELLER SELLER SELLER 29. Lenders Title Policy and Endorsements BUYER BUYER BUYER 30. Escrow Fee (NOTE: Charge seller on VA Loan) SPLIT SPLIT SELLER SPLIT 31. Recording Fees (Flat rate) SPLIT SPLIT SPLIT SPLIT 32. Reconveyance/Satisfaction Fee SELLER SELLER SELLER SPLIT 33. Courier/Express Mail Fees SPLIT SPLIT SELLER SPLIT THIS CHART INDICATES WHO CUSTOMARILY PAYS WHAT COSTS Note: Prorated items will appear on Closing Statement as charges for one and credits for the other. Closing Costs: Who Pays What

AZ Sellers Guide | 12

WHAT IS AN ESCROW?

The escrow is the process of having a neutral party manage the exchange of money for real property. The escrow holder is known as an escrow or settlement officer or agent. The buyer deposits funds and the seller deposits a deed with the escrow holder along with all of the other documents required to remove all "contingencies" (conditions and approvals) in the purchase agreement prior to closing.

The Escrow Process

HOW IS AN ESCROW OPENED?

Once a purchase agreement is signed by all necessary parties, the agent representing the party who will pay the fee selects an escrow holder and the buyer's earnest money deposit and contract are submitted to the escrow holder. From this point, the escrow holder will follow the mutual written instructions of the buyer and seller, maintaining a neutral stance to ensure that neither party has an unfair advantage over the other. The escrow holder also follows the instructions of the Buyer's new lender, the seller's existing lender, and both parties' agents. The escrow holder ensures the transparency of the transaction, while carefully maintaining the privacy of the consumers.

AZ Sellers Guide | 13

Review documents and ensure all conditions are fulfilled and certain legal requirements are met

After recording is confirmed, close escrow and disburse funds, including proceeds, loan payoffs, tax payments, and more

Prorate fees, such as real property taxes, per the contract and prepare the settlement statement

Request funds from buyer and buyer’s new lender

When all funds are deposited and conditions met, record documents with the County Recorder to transfer the real property to the buyer

Coordinate with the buyer’s lender on the preparation of the Closing Disclosure (CD)

Prepare and send final documents to all parties

Open escrow and deposit good faith funds into an escrow account

Your Escrow Professional May:

Conduct a title search to determine the ownership and title status of the real Reviewpropertythetitle

commitment and begin the process of working with you and the title officer to eliminate the title exceptions the buyer and the buyer’s new lender are not willing to take subject to. This includes ordering a payoff demand from your existing lender.

Set separate appointments allowing the buyer and seller to sign documents and deposit funds

You pay for your owner’s title insurance policy only once, at the close of escrow. Who pays for the owner’s policy and loan policy varies depending on local customs.

Prior to the development of the title industry in the late 1800s, a home-buyer received a grantor’s warranty, attorney’s title opinion, or abstractor’s certificate as assurance of home ownership. The buyer relied on the financial integrity of the grantor, attorney, or abstractor for protection. Today, home-buyers look primarily to title insurance to provide this protection. Title insurance companies are regulated by state statute. They are required to post financial guarantees to ensure that any claims will be paid in a timely fashion. They also must maintain their own “title plants” which house duplicates of recorded deeds, mortgages, plats, and other pertinent county property Understandingrecords.

AZ Sellers Guide | 14

WHEN IS THE PREMIUM DUE?

The Title Industry & Title Insurance in Brief

Title Insurance

WHAT IS TITLE INSURANCE?

Title insurance insures buyers against the risk that they did not acquire marketable title from the seller. It is primarily designed to reduce risk or loss caused by defects in title from the past. A loan policy of title insurance protects the interest of the mortgage lender, while an owner’s policy protects the equity of you, the buyer, for as long as you or your heirs (in certain policies) own the real property.

Title insurance provides coverage for certain losses due to defects in the title that, for the most part, occurred prior to your ownership. Title insurance protects against defects such as prior fraud or forgery that might go undetected until after closing and possibly jeopardize your ownership and investment.

WHY IS TITLE INSURANCE NEEDED?

c) a charge by a homeowner’s association

17 Post-policy damage from extraction of minerals or water

12 Unrecorded easements

28 Compliance with Subdivision Map Act Coverage for boundary wall or fence encroachment*

StandardALTAorCLTA

21 Post-policy prescriptive easement

3 Forgery, fraud, duress in the chain of title

30 Added ownership coverage leads to enhanced marketability

4 Defective recording of any document

Compare First American’s Eagle Policy® for Owners

33 Post-policy Living Trust coverage

13 Building permit violations*

19 Map not consistent with legal description

2 A document is not properly signed

29

22 Covenant violation resulting in your title reverting to a previous owner

9 Forced removal of a structure because it:

a) extends on another property and/or easement

26 Rights under unrecorded leases Plain language statements of policy coverage and restrictions

AZ Sellers Guide | 15

c) violates an existing zoning law*

20 Post-policy adverse possession

23 Violation of building setback regulations

* Deductible and maximum limits apply. Not available to investors on 1- to 4-unit residential properties. Coverage may vary based on an individual policy.

16 Post-policy encroachment

8 Mechanics lien

1 Someone else owns an interest in your title

b) violates a restriction in Schedule B

15 Post-policy forgery

10 Cannot use the land for a Single-Family Residence because the use violates a restriction in Schedule B or a zoning ordinance

5 There are restrictive covenants

24 Discriminatory covenants

Other benefits:

18 Lack of vehicular and pedestrian access

EAGLE

a) a deed of trust

Protection from:

7 Title is unmarketable

14 Restrictive covenant violations

11 Unrecorded lien by a homeowners association

Compare First American’s Eagle Policy® for Owners EAGLE StandardALTAorCLTA

b) a judgement, tax, or special assessment

31 Insurance coverage for a lifetime

6 There is a lien on your title because there is:

As with any insurance contract, the insuring provisions express the coverage afforded by the title insurance policy and there are exceptions, exclusions and conditions to coverage that limit or narrow the coverage afforded by the policy. Also, some cov erage may not be available in a particular area or transaction due to legal, regulatory, or underwriting considerations. Please contact a First American representative for further information. The services described above are typical basic services. The services provided to you may be different due to the specifics of your transaction or the location of the real property involved.

25 Pays rent for substitute land or facilities

27

32 Post-policy inflation coverage with automatic increase in value up to 150% over five years

AZ Sellers Guide | 16

One escrow transaction could involve more than 20 individuals, including real estate agents, buyers, sellers, attorneys, escrow officer, escrow technician, title officer, loan officer, loan processor, loan underwriter, home inspector, termite inspector, insurance agent, home warranty representative, contractor, roofer, plumber, pool service, and so on. And often, one transaction depends on another.

When you consider the number of people involved, you can imagine the opportunities for delays and mishaps. Your experienced escrow team can’t prevent unforeseen problems from arising; however, they can help smooth out the process.

Consider This

If the loan documents are satisfactory, the lender will send funds directly to the escrow holder. When the loan funds are received, the escrow holder will verify that all necessary funds are in. Escrow funds will be disbursed to the seller and other appropriate payees. Then, the REALTOR® will present the keys to the property to the buyer.

WHAT HAPPENS NEXT?

If the buyer is obtaining a new loan, the buyer’s signed loan documents will be returned to the lender for review. The escrow holder will ensure that all contract conditions have been met and will ask the lender to "fund the loan."

Closing Your Escrow

Once the loan is approved and all invoices and paperwork have been provided, the lender and escrow officer will collaborate on the preparation of the Closing Disclosure (CD). In order to close on time, all paperwork and invoices should be submitted at least 10 days prior to the expected close of escrow date. The borrower must receive the CD at least three days* prior to consummation of the loan (typically the signing date). The escrow officer will also prepare an estimated settlement statement and inform the buyer of the balance of the down payment and closing costs needed to close escrow.

The escrow holder will contact you or your agent to schedule a closing or signing appointment. In some states, this is the "close of escrow." In some others, the close of escrow is either the day the documents record or that funds are disbursed. Ask your escrow holder if you would like clarification about your state's laws.

THE CLOSING DISCLOSURE

DON'T FORGET YOUR IDENTIFICATION

THE CLOSING OR SIGNING APPOINTMENT

AZ Sellers Guide | 17

You will have a chance to review the settlement statement and supporting documentation. This is your opportunity to ask questions and clarify terms. You should review the settlement statement carefully and report discrepancies to the escrow officer. This includes any payments that may have been missed. You are responsible for all charges incurred even if overlooked by the escrow holder, so it's better to bring these to their attention before closing.

The escrow holder is obligated by law to have the designated amount of money before releasing any funds. If you have questions or foresee a problem, let your escrow holder know immediately.

*For purposes of the Closing Disclosure“business day” is defined as every day except Sundays and Federal legal holidays.

You will need valid identification with your photo I.D. on it when you sign documents that need to be notarized (such as a deed). A driver's license is preferred. You will also be asked to provide your social security number for tax reporting purposes, and a forwarding address.

Discard unnecessary items Moving is a great time for ridding yourself of unnecessary items. Have a yard sale or donate unnecessary items to charity.

SIX WEEKS BEFORE:

Packing materials. Gather moving boxes and packing materials for your move.

Note food inventory levels Check your cupboards, refrigerator and freezer to use up as much of your perishable food as possible.

Plan your itinerary. Make plans to spend the entire day at the house or at least until the movers are on their way. Someone will need to be around to make decisions. Make plans for kids and pets to be at the sitters for the day.

. Once the house is empty, check the entire house (closets, the attic, basement, etc) to ensure no items are left or no home issues exist.

Service small engines for your move by extracting gas and oil from the machines. This will reduce the chance to catch fire during your move.

Create an inventory sheet of items to move.

MOVING

Start packing. Begin packing for your new location.

Changing Schools. If changing schools, contact new school for registration process.

Contact utility companies Set utility turnoff date, seek refunds and deposits and notify them of your new address.

Change of address. Visit USPS for change of address form.

Obtain your medical records. Contact your doctors, physicians, dentists and other medical specialists who may currently be retaining any of your family’s medical records. obtain these records or make plans for them to be delivered to your new medical facilities.

Request moving quotes Solicit moving quotes from as many moving companies and movers as possible. There can be a large difference between rates and services within moving companies.

Sign the bill of lading. Once your satisfied with the mover’s packing your items into the truck, sign the bill of lading. If possible, accompany your mover while the moving truck is being weighed.

Double check with your mover. Make sure your mover has the new address and your contact information should they have any questions during your move.

Cancel services. Notify any remaining service providers (newspapers, lawn services, etc) of your move.

ReviewDAY:thehouse

Scan your furniture. Check furniture for scratches and dents before so you can compare notes with your mover on moving day.

Bank accounts Notify bank of address change. Make sure to have a money order for paying the moving company if you are transferring or closing accounts.

Travel items. Set aside items you’ll need while traveling and those needed until your new home is established. Make sure these are not packed in the moving truck!

Service automobiles If automobiles will be driven long distances, you’ll want to have them serviced for a trouble-free drive.

Seek employer benefits. If your move is work-related, your employer may provide funding for moving expenses. Your human resources rep should have information on this policy.

Prepare Floor Plan. Prepare floor plan for your new home. This will help avoid confusion for you and your movers.

Protect jewelry and valuables. Transfer jewelry and valuables to safety deposit box so they can not be lost or stolen during your move.

ONE WEEK BEFORE:

Contact insurance companies. (Life, Health, Fire, Auto) You’ll need to contact your insurance agent to cancel/transfer your insurance policy. Do not cancel your insurance policy until you have and closed escrow on the sale.

AZ Sellers Guide | 18

Borrowed and rented items. Return items which you may have borrowed or rented. Collect items borrowed to others.

Vacate your home. Make sure utilities are off, doors and windows are locked and notify your real estate agent you’ve left the property.

FOUR WEEKS BEFORE:

Research moving options You’ll need to decide if yours is a do-it-yourself move or if you’ll be using a moving company.

Planning your move

AZ Sellers Guide | 19

Your Notes:

AZ Sellers Guide | 20

Your Notes:

AZ Sellers Guide | 21

Your Notes:

1 4 3 2 6 12 10 5 8 7 11 9 CRISMON BUTTESIGNAL GOLDFIELD OLDWESTHWY SKINGSRANCH 14 17 15 13 16 ArizonaCentral First American Title Branch Locator

Sun City West, AZ 85375

N of Baseline / W of Stapley

NE corner Daisy Mtn Dr/ Gavilan Peak Pkwy

SE corner of Recker & Brown

9 KIERLAND COMMONS 14648480.948.6488NScottsdale Rd., Ste. #100 Scottsdale, AZ 85254

NW corner of Williams Field Rd./ Val Vista Rd.

15 MESA 1630480.401.3738S.Stapley Dr., #123 Mesa, AZ 85204

1 SUN CITY WES T

NE Corner of Camelback/32nd Street

NW corner of McDowell & Litchfield

16165623.487.0404N.83rd Ave , #100 Peoria, AZ 85382

S of Bell/E side of 83rd Ave

SW corner Chandler/45th St.

20241623.537.1608N.67th Ave , #A-2 Glendale, AZ 85308

NW corner of Tatum/Loop 101

4 THE LEGENDS

14 GILBERT SAN TAN 1528480.777.0614E.Williams Field Rd., #101 Gilbert, AZ 85295

5 ANTHEM 39508623.551.3265N.Daisy Mountain Dr., #128 Anthem, AZ 85086

N of Meeker Blvd

3 ARROWHEAD

6 BILTMORE 3200602.954.3644ECamelback Rd., #123 Phoenix, AZ 85018

7 DESERT RIDGE 480.515 4369 20860 N. Tatum Blvd , #100 Phoenix, AZ 85050

E side 67th Ave/N of 101

SE corner of Pima/Legacy

W of R.H. Johnson

8 CAREFREE 7202480.575.6609E.Carefree Dr , Bldg 1, #1 Carefree, AZ 85377

W of Scottsdale Road, S side of Greenway

10 SCOTTSDALE FORUM 6263480.551.0480N.Scottsdale Rd., #110 Scottsdale, AZ 85250

16 RED MOUNTAIN 1135480.534.3599N.Recker Rd , #103 Mesa, AZ 85205

AZ Sellers Guide | 22

E Side Scottsdale/S of Lincoln

11 DC CROSSING 18291480.563.9034N.Pima Rd , #145 Scottsdale, AZ 85255

NE corner of Tom Darlington/ Carefree Dr.

1626623.936.8001N.Litchfield Rd. Ste. #170 Goodyear, AZ 85395

12 AHWATUKEE 4435480.753.4424E.Chandler Blvd , #100 Phoenix, AZ 85048

SW Corner Chandler Blvd./ Dobson Rd.

17 GOLD CANYON 6877480.288.0883SouthKings Ranch Rd., #5 Gold Canyon, AZ 85118 E of South60/Side Kings Ranch Rd.

13 CHANDLER PORTICO 2121480.777.0051W.Chandler Blvd., #215 Chandler, AZ 85224

2 GOODYEAR

13940623.299.3644W.Meeker Blvd., #119

NBarkervilleRd

NFrontageRd

SNOGALESHWY

W

3 CAMBRIC 520.577.8707 | Fax 520.529.5034

GoffRanchRd

SOLDSPANISHTRL

13 RIVER 520.529.1944 | Fax 520.615.2945 1650 E. River Rd., Ste. 105 Tucson, AZ 85718

WRagged Top Ruby S a Dr WBritten RanchRd Pima Mine Rd

W

3777 E. Broadway Blvd., Ste. 220 Tucson, AZ 85716

TRSNOLDIERLE RIVER RDE PRINCE RD

E

421 E. Cottonwood Ln Casa Grande, AZ 85122

520.575.1900 | Fax 520.432.0168 6760 N. Oracle Rd., Ste. 100B Tucson, AZ 85704

Baya d Rd dRSSandaro N Dove Mountain Blvd

EDesertDove

E SPEEDWAY BLVD E 22ND ST E 22ND ST

9 GREEN VALLEY 520.625.1095 | Fax 520.958.9663 190 W. Continental Rd., Ste. 226 Green Valley, AZ 85622

ESN1TAV SUNRISE DR E SNYDER RD

TecoloteRanchRd RomeroRd

dRhRiGWarcaanc

3777 E. Broadway Blvd., Ste. 102 Tucson, AZ 85716

Rd ESstanciaDr E Hemlock Dr BNearCanyonRd

RD W MANVILLE RD SKINNEYRD W MILE WIDE RD E SAHUARITA RD NTRICORD OSSANDARRD SOLDNOGALESHWY GUOSHHTONRD ADCSLAANADRW HELMET PEAK RD WAJOHWY RNASNWD RDKOLBS SHOUGHTONRD W TANGERINE RD E GRANT RD SHOUGHTONRD 95 WAJOHWY E VALENCIA RD NORACLERD I-10 I-19 77 77 86 86 286 19 10 10 Corona de Tucson AdobesCasas Catalina Green Valley Picture Rocks Three Points VailSummit TanqueVerde SahuaritaTucson Saddlebrooke Marana Oro Valley Rillito SummerhavenWillow Canyon Cortaro Continental Littletown 2 3 5 6 7910 11 12 13 15 14 8 1 AZ Sellers Guide | 23

15 TANQUE VERDE 520.202.2626 | Fax 520.495.6151 7479 E. Tanque Verde Tucson, AZ 85715

6390 E. Tanque Verde Rd. Tucson, AZ 85715

5 CASAS ADOBES

4 CASA GRANDE 520.426.4600 | Fax 520.426.4699

14 SKYLINE 520.529.0506 | Fax 520.529.8998 2890 E. Skyline Dr., Ste. 200 Tucson, AZ 85718

W

NKINNEYRD NANWAYRD

NFrontageRd Mountain Blvd

NSILVERBELLRD

E SPEEDWAY BLVD

W Fort Lowe Rd dSPNumptationR E Nona Rd Ch efButteRd LovettaRd E Hanna Rd

SHelvetiaRd

W

SMISSIONRDWSPEEDWAY

NSILVERBELLRD E RIVER RDE PRINCE RD

1 S. Church Ave., Ste. 1610 Tucson, AZ 85701

W Emigh Rd W Fort Lowe Rd dSPNumptationR Cont nental Ave NTricoRd SCattle SOwlHeadRanchRdGasLineRd NTrcoRd W Bayard Rd dRSSandario N Dove

Road424 ed Top Rd W Ruby S ar D

W Pima Mine Rd S Mcgee

12 RITA ROAD 520.618.7790 | Fax 520.901.1720 10222 East Rita Rd., Ste. 190 Tucson, AZ 85747

W VALENCIA RD BLVD

E Cam no De Cerro E Fairmount St SSwanRd

E 80

SNANDARIORD

dRhRiGWarcaanc

ellRdS Mcgee RanchRd

Air Force WSilverbellRd SSantaRitaRd NMtLemmon Hwy ESascoRd NF-38 W Avra Valley Rd E G and Va ey DrNAguirreRd dRkLNucett dRWNentzNWatermanMountainRd RdAnwayN W El Tiro Rd NTricoRd W Tucke Rd W Rudasi Rd W Manv l e Rd SSanJoaquinRdWBopp Rd W Snyder H RddRllSMarstear W Park Rd W Hermans RdW He mans Rd W Guy St W Bush Rd SGarveyRd eaCNRinconado SWmotRd SShawRd SSierritaMountainRd SKolbRdW Tw nButtes Rd W Mcgee

W

Edw n Rd SGu

W MOORE RD INA RD

BNearCanyonRd

FlorenceRd

11 ORO VALLEY/ORACLE 520.229.9194 | 520.297.2576 Fax 520.229.9210 | 520.742.5866 8500 N. Oracle Rd., Ste 100 Oro Valley, AZ 85704

Con nenta Ave BIA 30 NTricoRd SSunandGinRd SCattleTankRd E E s Rd E Hotts Rd E Nutt Rd Evalyn Rd SOwlHeadRanchRdGasLineRd PSecanRd I on Va ey RdEDeepWellRanchRd SNghtSkySt SBradyPumpRdE Houser Rd E Ar ca Rd W Ea ey Rd NTrcoRd W Baya d Rd dRSSandaro WillowSpringsRd EHelmwheel Ranch Rd N Dove Mounta n Blvd BIA-35 dRhRiGWarcaanc E Dese H s Rd WRagged Top Rd W Pima Mine Rd WSilverbellRdS E Edw n Rd BIA34 SGuildRd 80 NKINNEYRD SPICACHOHWYE GREENE RESERVOIR RD SSUNLANDGINRD W BATTAGLIA DR AZ-84 E BAUMGARTNER RD SSUNSHINEBLVD SNANDARORDNANWAYRD E HARMON RD W VALENCIA RD E RODEO RD W MOORE RD W INA RD ESN1TAV E SUNRISE DR E SNYDER RDNSILVERBELLRD TRSNOLDIERLE RIVER RDE PRINCE RD E SPEEDWAY BLVD SFREEMANRDE 22ND ST E 22ND ST W IRV NGTON RD SNOGALESHWY W VALENC A RDSMISSIONRDWSPEEDWAY BLVD SOLDSPANISHTRL W NARANJA DR W TW N PEAKS RD W P CTURE ROCKS RD W MANVILLE RD SKINNEYRD W MILE WIDE RD W HARMON RD W MCCARTNEY RD NTRICORD OSSANDARIRD PARK LINK DR GUOSHHTONRD E MART N RD STHORNTONRD SCHUICHURD WAJOHWY RNASNWD RDKOLBS SHOUGHTONRD W TANGER NE RD E GRANT RD SHOUGHTONRD NPNALAVE 95 WAJOHWY E VALENCIA RD NORACLERD I10 I-19 I-8 77 77 79 77 77 87 86 86 387 287 86 10 19 8 10 10 10 La Palma Chuichu Arizona City AdobesCasas Catalina OracleDudleyvilleGrandeCasa Picture Rocks Three Points VailSummit TanqueVerde Eloy Tucson Cactus Forest Picacho Red Rock Saddlebrooke Marana Oro Valley HaivanaNakya Rillito SummerhavenWillow Canyon Randolph Toltec Oracle Junction Cortaro Schuchk Littletown 2 4 3 5 6 7 10 11 12 13 15 14 8 1 AIRPORTINT'LTUCSON Air Force WSilverbellRd SSantaRitaRd NMtLemmon Hwy ESas W Avra Valley Rd E G and Va ey DNAguirreRd dRkLNucet dRWNentzNWatermanMountanRd RdAnwayN W El Tiro Rd NTricoRd W Tucke Rd W Rudas Rd W Manv e Rd SSanJoaquinRdWBopp Rd W Snyder H RddRSMarstear W Park Rd W Hermans RdW He mans Rd W Guy St W Bush Rd SGaveyRd eaCNRinconado SWlmotRd SShawRd SSierritaMountainRd SKobRdW TwinButtes Rd W Mcgee Ranch Rd ESs BNearCanyonRdW E Cam no De Cerro E Fairmount St SSwanRd

SHelvetiaRd

Rd W

WAnamax

W MOORE RD INA RD ESN1TAV SUNR SE DR E SNYDER RD

W

TRSNOLDERL

E

NKINNEYRD

W E Cam no De Cerro E Fairmount St SSwanRd NFrontageRd W Emigh Rd

W TW N PEAKS RD P CTURE ROCKS

W VALENC A RD

S

520.885.1600 | Fax 520.885.2309

M ne Rd

8 FOOTHILLS 520.299.4606 | Fax 520.577.6993 4051 E Sunrise Dr., Ste. 155 Tucson, AZ 85718

SNANDARORDNANWAYRD

WBritten RanchRd RanchRd

W NARANJA DR

1840 E. River Rd., Ste. 200 Tucson, AZ 85718

AIRPORTINT'LTUCSON Ranch

6 CENTRAL 520.319.9207 | Fax 520.319.1468

E Edw n Rd 80

W VALENCIA RD

HearthRd E Hemlock Dr

10 ORO CANADAVALLEY/LA 520.877.9200 | Fax 520.202.6348 11165 N. La Canada Dr., Ste. 143 Oro Valley, AZ 85737

SFREEMANRDE 22ND ST E 22ND ST W IRVINGTON RD SNOGALESHWY W VALENCIA RDSMISSIONRDWSPEEDWAY BLVD SOLDSPANISHTRL W NARANJA DR W TWIN PEAKS RD W PICTURE ROCKS RD W MANVILLE RD SKINNEYRD W MILE WIDE RD E SAHUARITA RD NTRICORD OSSANDARIRD SOLDNOGALESHWY GUOSHHTONRD ADCSLAANADRW HELMET PEAK RD WAJOHWY RNASNWD RDKOLBS SHOUGHTONRD W TANGERINE RD E GRANT RD SHOUGHTONRD 95 WAJOHWY E VALENCIA RD NORACLERD I-10 I-19 77 77 86 86 286 19 10 10 Corona de Tucson AdobesCasas Catalina Green Valley Picture Rocks Three Points VailSummit TanqueVerde SahuaritaTucson Red Rock Saddlebrooke Marana Oro Valley Rillito SummerhavenWillow Canyon Oracle Junction Cortaro Continental Littletown 2 3 5 6 7910 11 12 13 15 14 8 1 SouthernArizona First American Title Branch Locator AIRPORTINT'LTUCSON Air Force FreemanRd WSilverbellRd NMtLemmon Hwy ESascoRd NF38 W Avra Val ey Rd WSCurryRdHanna Rd E Grand Va ey D W Houser Rd W Ph ps Rd E Co nman Rd NAguirreRd dRkLNucet dRWNenzNWatermanMountainRd RdAnwayN W El Tiro Rd NTricoRd W Tucke Rd W Rudas Rd W Manv e Rd SSanJoaquinRdWBopp Rd W Snyde H RddRSMarstear W Pa k Rd W He mans RdW Hermans Rd W Guy St W Bush Rd dRearvy eaCNRinco SWmoRd ShawRd SSierrita W Woodru Rd ONverfedRd W Rando ph Rd W BartlettNRdLaPamaRdNTweedyRd E Randolph Rd W Kleck Rd E K eck Rd W Se ma Hwy STrekellRd SHennessRd E Selma Hwy W Co nman Rd W Pretzer Rd SLambRd SLaPalmaRd E M gan Rd E M gan Rd W A es Dr E Curtis Rd ESstancaDr

W Emigh Rd W Fort Lowel Rd dSPNumpationR NTricoRd SOwGas NTrcoRd

7 DOWNTOWN 520.740.0424 | Fax 520.740.0436

1 MAIN OFFICE

WAnamax Mine Rd Road424

SFREEMANRD

W IRV NGTON RD

2 BROADWAY 520.747.1644 | Fax 520.747.1403

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For more information please contact your First American representative. www.firstam.com

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