10633 E Mary Stephey Pl

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.

PROTECT YOURSELF

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.

DO NOT TRUST EMAILS SEEKING PERSONAL/FINANCIAL INFORMATION

• 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.

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.

• 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

ONLINE RESOURCES:

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

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

The Internet Crime Complaint Center @ www.ic3.gov

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

On Guard Online @ www.onguardonline.gov

VERIFY AND NOTIFY

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!

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

The undersigned acknowledges receipt of this Wire Fraud Advisory.

LIMITATION OF LIABILITY FOR INFORMATIONAL REPORTS

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.

Provided By:

Disclaimer

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.

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.

Subject Property :   10633 E Mary Stephey Pl Tucson AZ 85747

Owner Information

Owner Name : Mcintyre R L & J L Trust

Mailing Address : 10633 E Mary Stephey Pl, Tucson AZ 85747-5890 R119

Vesting Codes : / / Personal Trust

Owner Occupied Indicator : O

Location Information

Legal Description : Civano I Lot 352

County : Pima, Az

Census Tract / Block : 40.63 / 1

Township-Range- Sect : 15S-15E-1

Legal Book/Page : 52-84

Legal Lot : 352

Market Area : 610

Owner Transfer Information

Recording/Sale Date : 01/03/2022 / 12/02/2021

Document # : 30577

Last Market Sale Information

Recording/Sale Date : 03/05/2021 / 03/02/2021

Sale Price : $405,000

Document # : 641065

Deed Type : Warranty Deed

Title Company : Signature Title

Lender : Guild Mtg Co

Seller Name : Chandler Owen R & Emily E

Prior Sale Information

Prior Rec/Sale Date : 03/22/2019 / 03/19/2019

Prior Sale Price : $348,000

Prior Doc Number : 810784

APN : 141-01-4990

Subdivision : Civano 01

Map Reference : 01-15S-15E

School District : Vail

Munic/Township : Vail

Deed Type : Warranty Deed

1st Mtg Amount/Type : $405,000 / Va

1st Mtg Document # : 641066

1st Mtg Term : 30

Price Per SqFt : $157.77

Prior Deed Type : Warranty Deed

Prior Lender : Peoples Mtg

Prior 1st Mtg Amt/Type : $359,484 / Va

Customer Name : Lisa Mrazek

Customer Company Name : First American Title Insurance Company

On : 10/06/2022

Property Characteristics

Gross Area : 2,567 Garage Capacity : 3 Patio Type : Covered Patio

Living Area : 2,567

Total Rooms : 10

Year Built / Eff : 2005

# of Stories : 1.5

Parking Type : Garage

Property Information

Land Use : Sfr

Roof Material : Built-up Air Cond : Refrigeration

Heat Type : Forced Air Quality : Good

Cooling Type : Forced Air Condition : Excellent

Exterior wall : Frame Wood Bath Fixtures : 10

Zoning : PAD-12 Lot Size : 5,637

County Use : Single Fam Resurban Subd Lot Acres : 0.13

Tax Information

Total Value : $311,292

Total Taxable Value : $31,129

Property Tax : $4,851.84

State Use : Single Fam Resurban Subd

Current Year Total Value : $37,588

Tax Rate Area : 2050 Current Year Improvement Value :

$37,538

Assessed Year : 2021 Market Value : $311,292 Current Year Land Value : $50

Tax Year : 2021 Current Assessed Year : 2023

Sale Price

Bldg/Living Area

Price Per Square Foot

Year

$548,000 $444,130

2496

$236 $178.38

2013

6,370

$301,434 $246,363

Details of Comparables

Subject Property: 10633 E Mary Stephey Pl Tucson Az 85747

Owner Name: Mcintyre R L & J L Trust /

APN / Alternate APN: 141-01-4990 /

Deed Type: Warranty Deed

Subdivision / Tract: Civano 01 / Lot Size: 5,637

Rec. Date / Price: 03/05/2021 / $405,000 Living Area: 2,567

Land Use: Sfr

Year Built / Eff: 2005 /

# of units:

Document #: 641065 Bedrooms: Pool:

Total Tax Value: $311,292 Bath(F/H): /

#1   10734 E Sandpiper Run Ct Tucson Az 85747

Owner Name: Kronbert Grant A /Ahlbrandt Ann

APN / Alternate APN: 141-38-6510 / Deed Type: Warranty Deed

Land Use: Sfr

Year Built / Eff: 2013 / Rec. Date / Price: 12/17/2021 / $500,000 Living Area: 2,569

Subdivision / Tract: Sierra Morado #4 / Lot Size: 10,209

# of units:

Document #: 3510618 Bedrooms: Pool:

Total Tax Value: $286,047 Bath(F/H): /

#2   5424 S Creosote Ridge Way Tucson Az 85747

Owner Name: Wilson Nathanial J /Wilson Katherin

APN / Alternate APN: 141-35-5940 / Deed Type: Warranty Deed

Land Use: Sfr

Year Built / Eff: 2014 / Rec. Date / Price: 02/25/2022 / $523,000 Living Area: 2,217

Subdivision / Tract: Civano Bl 02 / Lot Size: 10,073

# of units:

Document #: 560461 Bedrooms: Pool: Total Tax Value: $289,105 Bath(F/H): /

#3   5483 S Braided Wash Dr Tucson Az 85747

Owner Name: Lee Susan L /Lee William C

APN / Alternate APN: 141-38-6970 / Deed Type: Warranty Deed

Land Use: Sfr

Year Built / Eff: 2012 / Rec. Date / Price: 12/28/2021 / $510,000 Living Area: 2,867

Subdivision / Tract: Sierra Morado 04 / Lot Size: 7,200

# of units:

Document #: 3620253 Bedrooms: Pool: Total Tax Value: $294,520 Bath(F/H): /

#4   5492 S Black Falls Dr Tucson Az 85747

Owner Name: Powell Chris W /Powell Elizabeth C

APN / Alternate APN: 141-38-7060 / Deed Type: Warranty Deed

Subdivision / Tract: Sierra Morado #4 / Lot Size: 12,993

Rec. Date / Price: 04/13/2022 / $548,000 Living Area: 2,569

Land Use: Sfr

Year Built / Eff: 2014 /

# of units:

Document #: 1030782 Bedrooms: Pool:

Total Tax Value: $287,715 Bath(F/H): /

Customer

: Lisa

: First American Title Insurance Company

#5   10888 E White Sage Dr Tucson Az 85747

Owner Name: Najjar Larsen B A /

APN / Alternate APN: 141-38-8890 / Deed Type: Warranty Deed

Land Use: Sfr

Year Built / Eff: 2014 / Rec. Date / Price: 04/27/2022 / $525,000 Living Area: 2,880

Subdivision / Tract: Sierra Morado Un 4 / Lot Size: 6,506

# of units:

Document #: 1170616 Bedrooms: Pool:

Total Tax Value: $274,314 Bath(F/H): /

#6   5876 S Courtland Dr Tucson Az 85747

Owner Name: Fkh Sfr Prop Co I Lp /

APN / Alternate APN: 141-01-7410 / Deed Type: Warranty Deed

Land Use: Sfr

Year Built / Eff: 2005 / Rec. Date / Price: 02/04/2022 / $383,000 Living Area: 2,188

Subdivision / Tract: Civano 02 / Lot Size: 6,664

# of units:

Document #: 350529 Bedrooms: Pool:

Total Tax Value: $206,575 Bath(F/H): /

#7   10814 E Deep Sky Dr Tucson Az 85747

Owner Name: Cordova Ryan A /Cordova Carolina I

APN / Alternate APN: 141-35-4050 / Deed Type: Warranty Deed

Subdivision / Tract: Sierra Morado 02 East / Lot Size: 5,768

Rec. Date / Price: 05/20/2022 / $439,000 Living Area: 2,573

Land Use: Sfr

Year Built / Eff: 2008 /

# of units:

Pool: Total Tax Value: $254,205 Bath(F/H): /

Document #: 1400220 Bedrooms:

#8   10780 E Salsabila Rd Tucson Az 85747

Owner Name: Bruning Brian C /Bruning Kristin M

APN / Alternate APN: 141-35-4250 / Deed Type: Special Warranty Deed Land Use: Sfr

Subdivision / Tract: Sierra Morado 02 East / Lot Size: 5,772

Year Built / Eff: 2010 / Rec. Date / Price: 03/07/2022 / $420,000 Living Area: 2,573

# of units:

Pool: Total Tax Value: $256,555 Bath(F/H): /

Document #: 660686 Bedrooms:

#9   5798 S Clonmellon Ave Tucson Az 85747

Owner Name: Dombrowski Stanley J /Dombrowski John A

APN / Alternate APN: 141-40-0250 / Deed Type: Warranty Deed

Land Use: Sfr Subdivision / Tract: Sierra Morado #3 Ph 2 / Lot Size: 7,803

Rec. Date / Price: 07/25/2022 / $485,000 Living Area: 2,458

Year Built / Eff: 2016 /

# of units:

Pool: Total Tax Value: $266,338 Bath(F/H): /

Document #: 2060549 Bedrooms:

Customer Company

Customer Name : Lisa Mrazek

: First American Title Insurance Company

#10   10917 E Palmetto Pointe Trl Tucson Az 85747

Owner Name: Gong Wei /Xu Leina

APN / Alternate APN: 141-38-7850 / Deed Type: Warranty Deed

Land Use: Sfr

Year Built / Eff: 2017 / Rec. Date / Price: 07/25/2022 / $370,000 Living Area: 2,447

Subdivision / Tract: Sierra Morado Un 4 / Lot Size: 2,935

Document #: 2060526

# of units:

Bedrooms: Pool:

Total Tax Value: $243,832 Bath(F/H): /

#11   10975 E White Sage Dr Tucson Az 85747

Owner Name: Valentine Jordan /Valentine Samantha

APN / Alternate APN: 141-38-8640 / Deed Type: Warranty Deed

Land Use: Sfr

Year Built / Eff: 2013 / Rec. Date / Price: 12/08/2021 / $444,900 Living Area: 2,880

Subdivision / Tract: Sierra Morado Un 4 / Lot Size: 7,022

# of units:

Document #: 3420309 Bedrooms: Pool:

Total Tax Value: $272,730 Bath(F/H): /

#12   10420 E Capercaillie St Tucson Az 85747

Owner Name: Kerby Tyler W /Kerby Heather

APN / Alternate APN: 141-01-7550 / Deed Type: Warranty Deed

Subdivision / Tract: Civano 02 / Lot Size: 5,338

Rec. Date / Price: 08/24/2022 / $425,000 Living Area: 2,188

Land Use: Sfr

Year Built / Eff: 2005 /

# of units:

Pool: Total Tax Value: $206,575 Bath(F/H): /

Document #: 2360519 Bedrooms:

#13   10950 E Palmetto Pointe Trl Tucson Az 85747

Owner Name: Nguyen Hong D /Nguyen Hai N

APN / Alternate APN: 141-38-8060 / Deed Type: Warranty Deed

Land Use: Sfr

Year Built / Eff: 2016 / Rec. Date / Price: 02/10/2022 / $370,000 Living Area: 2,447

Subdivision / Tract: Sierra Morado Un 4 / Lot Size: 3,251

# of units:

Pool: Total Tax Value: $241,830 Bath(F/H): /

Document #: 410703 Bedrooms:

#14   10971 E Roscommon St Tucson Az 85747

Owner Name: Robles-lopez Irene /

APN / Alternate APN: 141-40-0120 / Deed Type: Warranty Deed

Land Use: Sfr Subdivision / Tract: Sierra Morado Un 3 Ph 2 / Lot Size: 6,750

Rec. Date / Price: 11/15/2021 / $515,000 Living Area: 2,757

Document #: 3190345 Bedrooms:

Total Tax Value: $281,456 Bath(F/H): /

Year Built / Eff: 2017 /

# of units:

Pool:

Customer

: Lisa Mrazek

: First American Title Insurance Company

#15   10939 E Passion Flower Ln Tucson Az 85747

Owner Name: Dongmo David /Dongmo Claudette L

APN / Alternate APN: 141-38-7660 / Deed Type: Warranty Deed

Land Use: Sfr

Year Built / Eff: 2016 / Rec. Date / Price: 03/02/2022 / $375,000 Living Area: 2,447

Subdivision / Tract: Sierra Morado Un 4 / Lot Size: 3,947

Document #: 610854

# of units:

Bedrooms: Pool:

Total Tax Value: $241,830 Bath(F/H): /

#16   10985 E Gray Mare Trl Tucson Az 85747

Owner Name: Fkh Sfr L Lp /

APN / Alternate APN: 141-38-499A / Deed Type: Warranty Deed

Land Use: Sfr

Year Built / Eff: 2013 / Rec. Date / Price: 07/05/2022 / $409,900 Living Area: 2,447

Subdivision / Tract: Sierra Morado #4 / Lot Size: 2,925

# of units:

Document #: 1860528 Bedrooms: Pool:

Total Tax Value: $237,277 Bath(F/H): /

#17   10947 E Passion Flower Ln Tucson Az 85747

Owner Name: Pleasant Jessica A /Pleasant Daniel J

APN / Alternate APN: 141-38-7670 / Deed Type: Warranty Deed

Land Use: Sfr

Year Built / Eff: 2016 / Rec. Date / Price: 06/13/2022 / $370,000 Living Area: 2,447

Subdivision / Tract: Sierra Morado #4 / Lot Size: 3,932

# of units:

Pool: Total Tax Value: $241,830 Bath(F/H): /

Document #: 1640701 Bedrooms:

#18   10752 E Sanctuary Ridge Ln Tucson Az 85747

Owner Name: Williams Brad /Williams Leticia

APN / Alternate APN: 141-35-4880 / Deed Type: Warranty Deed

Land Use: Sfr Subdivision / Tract: Sierra Morado 02 East / Lot Size: 4,468

Year Built / Eff: 2010 / Rec. Date / Price: 06/06/2022 / $370,500 Living Area: 2,188

Document #: 1570740 Bedrooms:

Total Tax Value: $212,039 Bath(F/H): /

#19   5265 S Richard Ashley Cir Tucson Az 85747

Owner Name: Allen Scott /Allen Brittney

# of units:

Pool:

APN / Alternate APN: 141-01-6250 / Deed Type: Warranty Deed

Land Use: Sfr Subdivision / Tract: Civano 01 / Lot Size: 7,474

Year Built / Eff: 2006 / Rec. Date / Price: 10/14/2021 / $424,300 Living Area: 2,480

# of units:

Document #: 2870692 Bedrooms: Pool:

Total Tax Value: $301,434 Bath(F/H): /

#20   10262 E Boulder Hop Trl Tucson Az 85747

Owner Name: Johns Shayla R /Johns Andrew N

APN / Alternate APN: 141-02-1000 / Deed Type: Warranty Deed

Land Use: Sfr Subdivision / Tract: Saguaro Trls / Lot Size: 6,363

Year Built / Eff: 2020 / Rec. Date / Price: 08/16/2022 / $475,000 Living Area: 2,294

Document #: 2280385 Bedrooms:

Total Tax Value: $31,056 Bath(F/H): /

# of units:

Pool:

Company

Customer Name : Lisa Mrazek

: First American Title Insurance Company

10/06/2022

SHelvetiaRd

Public Schools :

Elementary Schools

Civano Community K-8 School

10625 E Drexel Rd Tucson AZ 85747

Telephone : (520) 879-1700

Lowest Grade : K

Distance 0.05 Miles

School District : Vail Unified District (4413)

Highest Grade : 8th

Kindergarten : Yes School Enrollment : Enrollment : 112

Total Expenditure/Student : 193

Senita Valley Elementary School

10750 E Bilby Rd Tucson AZ 85747

Telephone : (520) 879-3100

Lowest Grade : Pre-K

Distance 0.66 Miles

School District : Vail Unified District (4413)

Highest Grade : 8th

Kindergarten : Yes School Enrollment : Enrollment : 674

Total Expenditure/Student : 193

Mesquite Elementary School

9455 E Rita Rd Tucson AZ 85747

Telephone : (520) 879-2102

Lowest Grade : K

Distance 2.77 Miles

School District : Vail Unified District (4413)

Highest Grade : 5th

Kindergarten : Yes School Enrollment : Enrollment : 649

Total Expenditure/Student : 193

Leman Academy Of Excellence East Tucson Distance 2.92 Miles

10200 E Golf Links Rd Tucson AZ 85730

Telephone : (520) 526-0474

Lowest Grade : K

School District : Leman Academy Of Excellence Inc. (92730)

Highest Grade : 8th

Kindergarten : Yes School Enrollment : Enrollment : 755

Total Expenditure/Student :

Middle Schools

Rincon Vista Middle School Distance 0.7 Miles

10770 E Bilby Rd Tucson AZ 85747

Telephone : (520) 879-3200

Lowest Grade : 6th

School District : Vail Unified District (4413)

Highest Grade : 8th

Kindergarten : No School Enrollment :

Enrollment : 702

Total Expenditure/Student : 193

Secrist Middle School Distance 2.33 Miles

3400 S Houghton Rd Tucson AZ 85730

Telephone : (520) 731-5300

Lowest Grade : 6th

School District : Tucson Unified District (4403)

Highest Grade : 8th

Kindergarten : No School Enrollment : Enrollment : 348

Total Expenditure/Student : 200

High Schools

Mica Mountain High Distance 2.17 Miles

10800 E Valencia Tucson AZ 85747

Telephone : (520) 879-3800

School District : Vail Unified District (4413)

Lowest Grade : 9th Highest Grade : 12th

School Enrollment : Enrollment :

Total Expenditure/Student : 193

Advanced Placement : No

Pcjted - Mica Mountain High School Distance 2.21 Miles

10800 E Valencia Rd Tucson AZ 85747

Telephone : (520) 352-5833

School District : Pima County Jted (89380)

Highest Grade : 12th School Enrollment : Enrollment :

Lowest Grade : 9th

Total Expenditure/Student : Advanced Placement : No

: 10/06/2022

Attractions / Recreation

Name Address Telephone Distance (Miles)

Aaron Wilson Professional Corporation 10700 E Lunate Ln Tucson Az (520) 499-2482 0.07

Young At Art Inc.

5342 S Morning Sky Ln Tucson Az (520) 668-6698 0.4

Performance Touch Equine Massage Llc 10588 E Oakbrook St Tucson Az (520) 247-2481 0.98

Ballet Rincon 10544 E 7th Gnrtons Way G Tucson Az (520) 574-2804 2.29

Banks / Financial

Name Address Telephone Distance (Miles)

Saguaro Mortgage, Llc 4580 S Paseo Melodioso Tucson Az (619) 249-5909 1.39

Fargo 10700 E Escalante Rd Tucson Az (520) 248-7555 1.95

U.s. Bank National Association 9050 E Valencia Rd Tucson Az (520) 664-1624 2.84

Jpmorgan Chase Bank, National Association 8080 S Houghton Rd Tucson Az (520) 574-0102 3.07

Eating / Drinking

Name Address Telephone Distance (Miles)

Copcake Cakery

Thetacon Llc

Harriets Cafe

5741 S Ladyslipper Pl Tucson Az (520) 437-5894 0.2

10781 E Salsabila Rd Tucson Az (520) 310-9432 0.39

5278 S Civano Blvd Tucson Az (520) 441-7400 0.5

Civano Coffee House, L.l.c. 5278 S Civano Blvd # 201 Tucson Az (520) 441-7400 0.5

Health Care Services

Name Address Telephone Distance (Miles)

John M D Granger

Sonia Bertram

Michael R Hyre Pllc

Nancy C Berheim

5769 S Tiger Lily Pl Tucson Az (714) 722-4340 0.18

10575 E Forest Falls Ct Tucson Az (520) 437-2913 0.26

5858 S Copper Hills Dr Tucson Az (520) 891-3360 0.32

10522 E Elnor Mldonado Pl Tucson Az (520) 358-0723 0.35

Customer Name : Lisa Mrazek

Customer Company Name : First American Title Insurance Company

On : 10/06/2022

Hospitality

Name Address Telephone Distance (Miles)

Desert Sol Bed & Breakfast 5312 S Civano Blvd Tucson Az (520) 207-2539 0.46

Haciendo Del Desierto Inc 11770 E Rambling Trl Tucson Az (520) 298-1764 1.53

The Inn At Civano 10448 E 7th Gnrtons Way G Tucson Az (520) 296-5428 2.29

Rincon Mountain Visitor Center 3693 S Old Spanish Trl Tucson Az (520) 733-5153 2.65

Organizations / Associations

Name Address Telephone Distance (Miles)

Icgc Impact Chapel 10597 E Malta St Tucson Az (520) 500-7512 0.68

Arizona Homes Rentals & Sales, Llc 10567 E Haymarket St Tucson Az (520) 405-8601 0.74

Rev Charles Knapp 4675 S Harrison Rd # 34 Tucson Az (520) 609-3945 1.75

Genuine Community Church 5825 S Old Spanish Trl Tucson Az (660) 998-2985 1.79

Personal Services

Name Address Telephone Distance (Miles)

Defy Aging Fitness 10663 E Mary Stephey Pl Tucson Az (520) 244-2493 0.03

Destination Fitness, Llc 10576 E Blue Pearl Ct Tucson Az (520) 288-2997 0.54

Crimpdaddy Climbing 10073 E Domenic Ln Tucson Az (520) 975-1290 2.19

D S F Express 4 7545 S Houghton Rd Tucson Az (520) 572-8788 2.39

Shopping

Name Address

Telephone Distance (Miles)

Lowe's Turnaround Home Services, Llc 10611 E Plsant Pasture Dr Tucson Az (520) 296-0906 0.15

Pro Image Auto Glass 10521 E Native Rose Trl Tucson Az (520) 979-0928 0.24

Delicioso Gourmet Foods, Llc 10587 E John Mcnair Pl Tucson Az (520) 904-4509 0.32

Valero Corner Store 10335 E Drexel Rd Tucson Az (520) 546-5155 0.37

: Lisa Mrazek

First American Title Insurance Company

10/06/2022

10634 E RALPH ALVAREZ PL Distance 0.03 Miles

Owner Name : Clay Kenneth E

Sale Date : 06/00/2004

Total Value : $264,337

Bed / Bath : / 3

Land Use : Sfr

Stories : 1

Yr Blt / Eff Yr Blt : 2005 /

Subdivision : Civano 01

Recording Date : 01/25/2005

Sale Price  : $296,892

Property Tax : $3,678.57

Lot Acres : 0.13

Living Area : 1,964

APN : 141-01-5050

10644 E RALPH ALVAREZ PL Distance 0.04 Miles

Owner Name : Hetherington Dale L

Sale Date : 02/17/2019

Total Value : $277,141

Bed / Bath : / 3

Land Use : Sfr

Stories : 1

Yr Blt / Eff Yr Blt : 2004 /

Subdivision : Civano 01

Recording Date : 02/21/2019

Sale Price  : $305,000

Property Tax : $3,856.77

Lot Acres : 0.13

Living Area : 2,113

APN : 141-01-5040

10607 E MARCHETTI LOOP Distance 0.04 Miles

Owner Name : Shouse Jonathan L

Sale Date : 01/26/2021

Total Value : $206,922

Bed / Bath : / 3

Land Use : Sfr

Subdivision : Civano 01

Recording Date : 01/27/2021

Sale Price  : $315,000

Property Tax : $2,879.54

Lot Acres : 0.09

Stories : 2 Living Area : 1,677

Yr Blt / Eff Yr Blt : 2015 /

APN : 141-37-0130

10613 E MARCHETTI LOOP Distance 0.04 Miles

Owner Name : Enos Dail R

Sale Date : 04/14/2022

Total Value : $180,696

Bed / Bath : / 3

Land Use : Sfr

Stories : 1

Yr Blt / Eff Yr Blt : 2008 /

Subdivision : Civano 01

Recording Date : 05/13/2022

Sale Price  : $354,000

Property Tax : $2,514.65

Lot Acres : 0.09

Living Area : 1,222

APN : 141-37-0190

Customer Name : Lisa Mrazek

Company Name : First American Title Insurance Company

On : 10/06/2022

10601 E MARCHETTI LOOP Distance 0.05 Miles

Owner Name : Dellapenta

Sale Date : 05/29/2014

Total Value : $211,779

Bed / Bath : / 4

Land Use : Sfr

Stories : 2

Yr Blt / Eff Yr Blt : 2014 /

Subdivision : Civano 01

Recording Date : 05/29/2014

Sale Price  : $240,314

Property Tax : $2,947.17

Lot Acres : 0.07

Living Area : 1,677

APN : 141-37-0120

10619 E MARCHETTI LOOP Distance 0.05 Miles

Owner Name : Gibson Lynda R

Sale Date : 10/23/2015

Total Value : $193,960

Bed / Bath : / 3

Land Use : Sfr

Stories : 1

Yr Blt / Eff Yr Blt : 2008 /

Subdivision : Civano 01

Recording Date : 11/02/2015

Sale Price  : $189,500

Property Tax : $2,699.25

Lot Acres : 0.09

Living Area : 1,365

APN : 141-37-0200

10594 E MARCHETTI LOOP Distance 0.06 Miles

Owner Name : Scott Christopher L

Sale Date : 04/24/2017

Total Value : $198,571

Bed / Bath : / 3

Land Use : Sfr

Stories : 1

Yr Blt / Eff Yr Blt : 2013 /

Subdivision : Civano 01

Recording Date : 04/27/2017

Sale Price  : $195,000

Property Tax : $2,763.33

Lot Acres : 0.09

Living Area : 1,365

APN : 141-37-0180

10659 E RALPH ALVAREZ PL Distance 0.07 Miles

Owner Name : Roberts Ian C

Sale Date : 12/04/2015

Total Value : $293,061

Bed / Bath : / 4

Land Use : Sfr

Stories : 1

Yr Blt / Eff Yr Blt : 2004 /

Subdivision : Civano 01

Recording Date : 12/09/2015

Sale Price  : $285,000

Property Tax : $4,078.30

Lot Acres : 0.14

Living Area : 2,286

APN : 141-01-5110

Customer

: Lisa Mrazek

: First American Title Insurance Company

: 10/06/2022

Owner Name : Taylor Jayme Sophia

Sale Date : 10/12/2021

Total Value : $185,994

Bed / Bath : / 3

Land Use : Sfr

Stories : 1

Yr Blt / Eff Yr Blt : 2014 /

Subdivision : Civano 01

Recording Date : 10/21/2021

Sale Price  : $300,000

Property Tax : $2,588.27

Lot Acres : 0.11

Living Area : 1,222

APN : 141-37-0170

Tract

Household

/

Population Population by Age

Count: 6,458 0 - 11

Estimate Current Year: 6,882 12 - 17

Estimate in 5 Years: 8,876 18 - 24 8.33%

Growth Last 5 Years: 21.15% 25 - 64 47.57%

Growth Last 10 Years: -87.51% 65 - 74 7.12% 75+

Household Size Household Income

Current Year: 2,177 0 - $25,000 4.59%

Average Current Year: 2.97 $25,000 - $35,000 6.98%

Estimate in 5 Years: 2,870 $35,000 - $50,000 10.56%

Growth Last 5 Years: 18.05% $50,000 - $75,000 20.17%

Growth Last 10 Years: 36.79% $75,000 - $100,000 21.73%

Male Population: 49.52% Above $100,000 35.97%

Female Population: 50.48% Average Household Income: $85,177

Married People: 58.43%

Unmarried People: 41.57%

Housing

Median Mortgage Payments Home Values

Under $300: 1.58% Below $100,000: 4.38%

$300 - $799: 14.92% $100,000 - $150,000: 9.01%

$800 - $1,999: 67.84% $150,000 - $200,000: 20.04%

Over $2,000: 15.65% $200,000 - $300,000: 45.43%

Median Home Value: $233,900 $300,000 - $500,000: 21.13%

Unit Occupied Owner: 75.42% Above $500,000: 0%

Median Mortgage: $1,086

Rent Payments Year Built

Unit Occupied Renter: 24.58% 1999 - 2000

Median Gross Rent: $1,434 1995 - 1998

Less Than $499 1.78% 1990 - 1994

$500 - $749 5.53% 1980 - 1989 0%

$750 - $999 3.36% 1970 - 1979 1.44%

$1000 and Over 89.33% 1900 - 1969 1.74%

Education Enrollment

Public Pre-Primary School: 1.64% Not Enrolled in School: 58.35%

Private Pre-Primary School: 0.21% Not A High School Graduate: 1.53%

Public School: 38.19% Graduate Of High School: 13.4%

Private School: 3.46% Attended Some College: 21.79%

Public College: 7.86% College Graduate: 42.64%

Private College: 0.63% Graduate Degree: 20.64% Workforce

Occupation: Manager/Prof: 52.82% Private Worker: 60.24%

Technical: Government Worker: 23.02%

Sales: 19.03% Self Employed Worker: 2.79%

Administrative: Unpaid Family Worker: 6.21%

Private House Hold: Farming: 7.45%

Service: 16.7% Skilled:

Protective Services: Blue-Collar: 11.44%

Commute Time

Less Than 15 Min: 10.9%

15 min - 28 min: 43.97%

30 min - 57 min: 40.97%

Over 60 min: 4.16%

SEARCH PARAMETERS

PARCEL:  141-01-4990

PARCEL: 141-01-4990

INSTRUMENT REC DATE

AFFIDAVIT    2021 641065 03/05/2021  SITUS: 10633 E MARY STEPHEY PL TUC

OWNER: MCINTYRE RANDOLPH L & JODEE

MAIL: 10633 E MARY STEPHEY PL

TUCSON AZ 85747

PLAT: LOT 00352 BLOCK

LEGAL: CIVANO I LOT 352

CURRENT TAXES

LAND IMPR

PRIMARY  31,844

SECONDARY  50  31,794

INFORMATION THROUGH 07/28/2022

RATE AREA SPECIAL DISTRICTS

9.4241  2050

5.3952

4,719.06

2022  TAX AMT TAX DUE INTEREST DATE PAID TOTAL DUE

FIRST HALF  2,359.53  2,359.53

2,359.53  2,359.53

10/22

IMPROVEMENTS

BYPASS

BLDG SQFT  2,567

2,359.53

2,359.53

318,442

2005 LAND USE  01 41

NUMBER OF STORIES

SCHOOL DISTRICT  2050

LOT SIZE  1 STDLT STORIES HEIGHT

EXTERIOR WALLS  FRAME WOOD LAND FULL CASH VALUE  502

IMPR FULL CASH VALUE  317,940

SALES

SALE DATE

SELLER NAME VALIDITY

CHANDLER OWEN R & EMILY E

KIMMINAU PAUL F/LOIS J

FIRST AMERICAN TITLE T4717

PEPPER-VINER AT CIVANO L L

Covenants, Conditions & Restrictions

Thank you for the opportunity to be of service.

Restrictions indicating a preference, limitation or discrimination based on race, color, religion, sex, handicap, familial status, or national origin are hereby deleted to the extent such restrictions violate 42 USC 3604(c).

This information is furnished without fee and without benefit of a complete title search. No liability is assumed by First American Title or Title Security. If it is desired that liability be assumed, you may apply for a policy of title insurance with First American Title Insurance Company.

Count on First American Title

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 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

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.

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.

Count On Us To Meet Your Needs

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.

Benefits of using a Professional REALTOR ®

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.

A REALTOR ® :

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

› Can advertise effectively for the best results.

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

› 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.

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

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

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

› Maintains errors-and-omissions insurance.

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

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

› 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!

FOR SALE BY OWNER

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.

Do you...

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

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

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

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

- 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?

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

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

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

Are you...

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

- concerned about having strangers walking through your home?

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

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

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

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

Key Professionals Involved in Your Transaction

REALTOR ®

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.®

REAL ESTATE AGENT

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.®

LISTING AGENT

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.

BUYER'S AGENT

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.

MULTIPLE LISTING SERVICE (MLS)

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 ®

TITLE COMPANY

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.

ESCROW OFFICER

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

PREPARING FOR SALE YOUR HOME

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

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

Paint or replace the mailbox, if needed.

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

Repair or replace worn shutters and other exterior trim.

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

Ensure that all exterior lights are working.

Check stucco walls for cracks and discoloration.

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

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

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

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

Repair leaky faucets and caulking in bathtubs and showers.

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

Make sure toilet seats look new and are firmly attached.

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:

Repair or replace loud ventilating fans.

Replace worn shower curtains.

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

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

Clean household appliances and make sure they work properly.

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

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.

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

Staging your home for Show

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.

Clear all clutter from counter tops.

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

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.

Close the windows to eliminate street noise.

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

Clean trash cans and put them out of sight.

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

Hang clean attractive guest towels in the bathrooms.

Check that sink and tub are scrubbed and unstained.

Make beds with attractive spreads.

Stash or throw out newspapers, magazines, junk mail.

Terms You Should Know

Appraisal

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

Annual Percentage Rate (APR)

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

Beneficiary

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

Closing Disclosure (CD)

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.

Close of Escrow

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

Comparable Sales

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

Consummation

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.

Deed of Trust

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

Deed Restrictions

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.

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.

Earnest Money Deposit

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

Easement

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

Endorsement

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

Hazard Insurance

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.

Impounds

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.

Legal Description

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.

Lien

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.

Loan Estimate (LE)

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.

Mortgage

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

PITI

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

Power of Attorney

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.”

Recording

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

Settlement statement

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

TRID

TILA-RESPA Integrated Disclosures

The Life Of An Escrow

THE BUYER

Chooses a Real Estate Agent

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

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

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

Completes and returns opening package from First American Title.

Schedules inspections and evaluates findings. Reviews title commitment/ preliminary report.

Provides all requested paperwork to Lender (bank statements, tax returns, etc.) All invoices and final approvals should be to the lender no later than 10 days prior to loan consummation.

Lender (or Escrow Officer) prepares CD and delivers to Buyer at least 3 days prior to loan consummation.

Escrow officer or real estate agent contacts the buyer to schedule signing appointment.

Buyer consummates loan, executes settlement documents, & deposits funds via wire transfer.

Documents are recorded and the keys are delivered!

THE SELLER

Chooses a Real Estate Agent

Accepts Buyer’s offer to purchase.

Completes and returns opening package from First American Title, including information such as forwarding address, payoff lender contact information and loan numbers.

Orders any work for inspections and/or repairs to be done as required by the purchase agreement.

Escrow officer or real estate agent contacts the seller to schedule signing appointment.

Documents are recorded and all proceeds from sale are received.

THE ESCROW OFFICER

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

Requests necessary information from buyers and sellers via opening packages.

Reviews title commitment / preliminary report.

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

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

Coordinates with lender on the preparation of the CD.

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

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

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

Prepares recording instructions and submits docs for recording.

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

THE LENDER

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

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

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

Underwriting reviews loan package for approval.

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

Delivers loan documents to escrow.

Upon review of signed loan documents, authorizes loan funding.

Closing Costs: Who Pays What

CASH FHA VA CONV

BUYER

BUYER

BUYER

BUYER BUYER

SELLER SELLER

SELLER SELLER

SELLER SELLER

BUYER BUYER

BUYER BUYER

PRORATE PRORATE

BUYER BUYER BUYER

The Escrow Process

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.

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.

Your Escrow Professional May:

Open escrow and deposit good faith funds into an escrow account

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

Review the title 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.

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

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

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

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

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

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

Prepare and send final documents to all parties

Understanding Title Insurance

The Title Industry & Title Insurance in Brief

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 records.

WHAT IS TITLE INSURANCE?

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?

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.

WHEN IS THE PREMIUM DUE?

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.

Compare First American’s Eagle Policy® for Owners

from:

else owns an interest in your title

A document is not properly signed

fraud, duress in the chain of title

Defective recording of any document

There are restrictive covenants

There is a lien on your title because there is:

a deed of trust

a judgement, tax, or special assessment

a charge by a homeowner’s association

Title is unmarketable

Mechanics lien

Forced removal of a structure because it:

extends on another property and/or easement

violates a restriction in Schedule B

violates an existing zoning law*

use the land for a Single-Family Residence

the use violates a restriction in Schedule B or a zoning ordinance

Unrecorded lien by a homeowners association

Unrecorded easements

Building permit violations*

Restrictive covenant violations

Post-policy forgery

Post-policy encroachment

Post-policy damage from extraction of minerals or water

Lack of vehicular and pedestrian access

Map not consistent with legal description

Post-policy adverse possession

Compare First American’s Eagle Policy® for Owners

Post-policy prescriptive easement

Covenant violation resulting in your title reverting to a previous owner

Violation of building setback regulations

Discriminatory covenants

Other benefits:

Pays rent for substitute land or facilities

Rights under unrecorded leases

language statements of policy coverage and

Compliance with Subdivision Map Act

Coverage for boundary wall or fence encroachment*

Added ownership coverage leads to enhanced

Insurance coverage for a lifetime

inflation coverage with automatic increase in value up to 150% over five years

Post-policy Living Trust coverage

Deductible and maximum limits apply. Not available to investors on 1- to 4-unit residential properties.

may vary based on an individual policy.

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.

Closing Your Escrow

THE CLOSING DISCLOSURE

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.

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

THE CLOSING OR SIGNING APPOINTMENT

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.

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.

DON'T FORGET YOUR IDENTIFICATION

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.

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."

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.

Planning your move

SIX WEEKS BEFORE:

Create an inventory sheet of items to move.

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.

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.

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

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

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.

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.

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

FOUR WEEKS BEFORE:

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

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.

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

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.

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

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

ONE WEEK BEFORE:

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.

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

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.

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

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

Start packing. Begin packing for your new location.

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!

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

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

MOVING DAY:

Review the house. 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.

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.

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

1 SUN CITY WES T

623.299.3644

13940 W. Meeker Blvd., #119 Sun City West, AZ 85375

N of Meeker Blvd

W of R.H. Johnson

2 GOODYEAR

623.936.8001

1626 N. Litchfield Rd. Ste. #170 Goodyear, AZ 85395

NW corner of McDowell & Litchfield

3 ARROWHEAD

623.487.0404

16165 N. 83rd Ave , #100 Peoria, AZ 85382

S of Bell/E side of 83rd Ave

4 THE LEGENDS

623.537.1608

20241 N. 67th Ave , #A-2 Glendale, AZ 85308

E side 67th Ave/N of 101

5 ANTHEM

623.551.3265

39508 N. Daisy Mountain Dr., #128 Anthem, AZ 85086

NE corner Daisy Mtn Dr/ Gavilan Peak Pkwy

6 BILTMORE

602.954.3644

3200 E Camelback Rd., #123 Phoenix, AZ 85018

NE Corner of Camelback/32nd Street

7 TATUM RIDGE

480.515 4369

11211 N Tatum Blvd, #A150 Phoenix, AZ 85028

N of Shea, E side of Tatum

8 CAREFREE 480.575.6609

7202 E. Carefree Dr , Bldg 1, #1 Carefree, AZ 85377

NE corner of Tom Darlington/ Carefree Dr.

9 KIERLAND COMMONS

480.948.6488

14648 N Scottsdale Rd., Ste. #100 Scottsdale, AZ 85254

W of Scottsdale Road, S side of Greenway

10 SCOTTSDALE FORUM

480.551.0480

6263 N. Scottsdale Rd., #110 Scottsdale, AZ 85250

E Side Scottsdale/S of Lincoln

11 DC CROSSING

480.563.9034

18291 N. Pima Rd , #145 Scottsdale, AZ 85255

SE corner of Pima/Legacy

12 AHWATUKEE

480.753.4424

4435 E. Chandler Blvd , #100 Phoenix, AZ 85048

SW corner Chandler/45th St.

13 CHANDLER PORTICO

480.777.0051

2121 W. Chandler Blvd., #215 Chandler, AZ 85224

SW Corner Chandler Blvd./ Dobson Rd.

14 GILBERT SAN TAN

480.777.0614

1528 E. Williams Field Rd., #101 Gilbert, AZ 85295

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

15 MESA 480.401.3738

1630 S. Stapley Dr., #123 Mesa, AZ 85204

N of Baseline / W of Stapley

16 RED MOUNTAIN

480.534.3599

1135 N. Recker Rd., #103 Mesa, AZ 85205

SE corner of Recker & Brown

Central Arizona

17 GOLD CANYON

480.288.0883

6877 South Kings Ranch Rd., #5 Gold Canyon, AZ 85118 E of 60/ South Side Kings Ranch Rd.

WSilverbellRd

EDesertDove

SSantaRitaRd

1 MAIN OFFICE

520.885.1600 | Fax 520.885.2309

6390 E. Tanque Verde Rd. Tucson, AZ 85715

2 BROADWAY

520.747.1644 | Fax 520.747.1403

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

3 CAMBRIC

520.577.8707 | Fax 520.529.5034

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

4 CASA GRANDE

520.426.4600 | Fax 520.426.4699

421 E. Cottonwood Ln.

Casa Grande, AZ 85122

5 CASAS ADOBES

520.575.1900 | Fax 520.432.0168

6760 N. Oracle Rd., Ste. 100B Tucson, AZ 85704

6 FOOTHILLS

520.299.4606 | Fax 520.577.6993

6262 N Swan Road, Suite 205 Tucson, AZ 85718

7 GREEN VALLEY

520.625.1095 | Fax 520.958.9663

190 W. Continental Rd., Ste. 226 Green Valley, AZ 85622

8 ORO VALLEY/LA CANADA

520.877.9200 | Fax 520.202.6348

11165 N. La Canada Dr., Ste. 143

Oro Valley, AZ 85737

9 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

10 RITA ROAD

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

11 RIVER

520.529.1944 | Fax 520.615.2945

1650 E. River Rd., Ste. 105 Tucson, AZ 85718

12 SKYLINE 520.529.0506 | Fax 520.529.8998

2890 E. Skyline Dr., Ste. 200 Tucson, AZ 85718

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