12224 N Echo Valley Dr

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 VERIFY AND NOTIFY

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

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.

Subject Property

Echo Valley

AZ

219-53-6530

Data Provided By: First American Title Ins Co

Data Provided By:

First American Title Ins Co

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 :   12224 N Echo Valley Dr Oro Valley AZ 85755

Owner Information

Owner Name : Lugo Kenneth E

Mailing Address : 12224 N Echo Valley Dr, Oro Valley AZ 85755-1816 R113

Owner Occupied Indicator : O

Location Information

Legal Description : Rancho Vistoso Parcel T Neighborhood 5 Lot 75

County : Pima, Az

Census Tract / Block : 46.42 / 2

Township-Range- Sect : 11S-13E-36

Legal Book/Page : 47-68

Legal Lot : 75

Market Area : 423

Last Market Sale Information

APN : 219-53-6530

Subdivision : Rancho Vistoso Nbrhd 05 Prcl C

Map Reference : 36-11S-13E

School District : Amphitheater

Munic/Township : Amphitheater

Recording/Sale Date : 02/11/2016 / 02/01/2016 1st Mtg Amount/Type : $330,966 / Va

Sale Price : $324,000

Document # : 420161

1st Mtg Document # : 420162

1st Mtg Term : 30

Deed Type : Warranty Deed Price Per SqFt : $106.86

Title Company : Signature Title Agency Corp

Lender : Navy Fcu

Seller Name : Li James

Prior Sale Information

Prior Rec/Sale Date : 10/04/2002 / 10/00/2002

Prior Sale Price : $279,000

Prior Doc Number : 11899-4248

Prior Deed Type : Warranty Deed

Prior Lender : National Cty Mtg Co

Prior 1st Mtg Amt/Type : $223,200 / Conv

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

Customer Name : Lisa Mrazek

Customer Company Name : First American Title Insurance Company Prepared On : 10/03/2022

Property Characteristics

Gross Area : 3,032 Garage Capacity : 3

Living Area : 3,032 Roof Material : Tile

Total Rooms : 10

Year Built / Eff : 1996

# of Stories : 1.5

Parking Type : Garage

Property Information

Land Use : Sfr

County Use : Single Fam Resrural Subd

Tax Information

Total Value : $324,433

Patio Type : Covered Patio

Air Cond : Refrigeration

Heat Type : Forced Air Quality : Fair

Cooling Type : Forced Air Condition : Excellent

Exterior wall : Frame Wood Bath Fixtures : 11

Zoning : PAD

Lot Acres : 0.28

Property Tax : $4,220.30

Lot Size : 12,325

State Use : Single Fam Resrural Subd

Current Year Total Value : $38,056

Total Taxable Value : $32,296 Tax Rate Area : 1012 Current Year Improvement Value :

$38,006

Assessed Year : 2021 Market Value : $324,433 Current Year Land Value : $50

Tax Year : 2021 Current Assessed Year : 2023

Customer Name : Lisa Mrazek

Customer Company Name : First American Title Insurance Company Prepared On : 10/03/2022

Sales Analysis

Criteria

Subject Property Low High Average

Sale Price $324,000 $484,900 $775,000 $622,987

Bldg/Living Area 3032 2750 3475 3046

Price Per Square Foot $106.86 $170 $271 $204.55

Year Built 1996 1989 2020 1999

Lot Size 12,325 6,706 44,242 10,575

Bedrooms

Stories 1.5

Total Assessed Value $324,433 $88,481 $474,925 $332,916

Distance From Subject 0 0.23 0.77 0.59

Customer Name : Lisa Mrazek

Customer Company Name : First American Title Insurance Company

On : 10/03/2022

Customer Name : Lisa Mrazek

Customer Company Name : First American Title Insurance Company Prepared On : 10/03/2022

CoreLogic.

Details of Comparables

Subject Property: 12224 N Echo Valley Dr Oro Valley Az 85755

Owner Name: Lugo Kenneth E /

APN / Alternate APN: 219-53-6530 / Deed Type: Warranty Deed

Land Use: Sfr

Subdivision / Tract: Rancho Vistoso Nbrhd

05 Prcl C / Lot Size: 12,325

Rec. Date / Price: 02/11/2016 / $324,000 Living Area: 3,032

Year Built / Eff: 1996 /

# of units:

Document #: 420161 Bedrooms: Pool:

Total Tax Value: $324,433 Bath(F/H): /

#1   12405 N Mount Bigelow Rd Oro Valley Az 85755

Owner Name: Coyle Richard /Coyle Kathaleen

APN / Alternate APN: 219-53-6880 / Deed Type: Warranty Deed

Land Use: Sfr

Subdivision / Tract: Rancho Vistoso Nbrhd

05 Prcl C / Lot Size: 9,765

Rec. Date / Price: 12/06/2021 / $599,000 Living Area: 2,993

Year Built / Eff: 1998 /

# of units:

Document #: 3400310 Bedrooms: Pool: Pool

Total Tax Value: $349,466 Bath(F/H): /

12441 N Echo Valley Dr Oro Valley Az 85755

Owner Name: Stabbert Gerd W Jr /Stabbert Aimee T

APN / Alternate APN: 219-53-6150 / Deed Type: Warranty Deed

Land Use: Sfr

Subdivision / Tract: Rancho Vistoso Nbrhd

05 Prcl C / Lot Size: 7,946

Rec. Date / Price: 04/22/2022 / $555,000 Living Area: 3,032

Year Built / Eff: 1999 /

# of units:

Document #: 1120532 Bedrooms: Pool: Pool

Total Tax Value: $353,480 Bath(F/H): /

#3   12480 N Lantern Way Oro Valley Az 85755

Owner Name: Kroner Richard /Kroner Ruth

APN / Alternate APN: 219-53-2500 / Deed Type: Warranty Deed

Land Use: Sfr

Subdivision / Tract: Rancho Vistoso Nbrhd

07 / Lot Size: 7,196

Rec. Date / Price: 01/07/2022 / $498,000 Living Area: 2,750

Year Built / Eff: 1993 /

# of units:

Document #: 70453 Bedrooms: Pool: Pool

Total Tax Value: $286,446 Bath(F/H): /

#4   12500 N Lantern Way Oro Valley Az 85755

Owner Name: Ouellette Michael /Simzyk Sarah

APN / Alternate APN: 219-53-2480 / Deed Type: Warranty Deed

Land Use: Sfr

Subdivision / Tract: Rancho Vistoso Nbrhd

07 / Lot Size: 7,878

Rec. Date / Price: 05/17/2022 / $640,000 Living Area: 3,121

Year Built / Eff: 1990 /

# of units:

Document #: 1370447 Bedrooms: Pool: Pool

Total Tax Value: $309,523 Bath(F/H): /

Customer Name : Lisa Mrazek

Customer Company Name : First American Title Insurance Company Prepared On : 10/03/2022

#5   1 W Wanderlust Rd Oro Valley Az 85755

Owner Name: Levandusky Stephen / APN / Alternate APN: 219-53-2600 / Deed Type: Warranty Deed

Land Use: Sfr

Subdivision / Tract: Rancho Vistoso Nbrhd

07 / Lot Size: 8,940

Rec. Date / Price: 11/30/2021 / $484,900 Living Area: 2,845

Year Built / Eff: 1994 /

# of units:

Document #: 3341207 Bedrooms: Pool: Pool

Total Tax Value: $301,485 Bath(F/H): /

#6   95 W Blackstone Rd Oro Valley Az 85755

Owner Name: Jensen Jason D / APN / Alternate APN: 219-53-3100 / Deed Type: Warranty Deed Land Use: Sfr

Subdivision / Tract: Rancho Vistoso Nbrhd

07 / Lot Size: 12,404

Rec. Date / Price: 04/05/2022 / $675,000 Living Area: 2,942

Year Built / Eff: 1991 /

# of units:

Document #: 950198 Bedrooms: Pool: Pool

Total Tax Value: $305,266 Bath(F/H): /

#7   12592 N Pioneer Way Tucson Az 85755

Owner Name: Cook Gregory E /Cook Sylvia A APN / Alternate APN: 219-53-1290 / Deed Type: Warranty Deed Land Use: Sfr Subdivision / Tract: Rancho Vistoso Nbrhd

07 / Lot Size: 11,261

Rec. Date / Price: 04/05/2022 / $600,000 Living Area: 3,209

Year Built / Eff: 1994 /

# of units:

Document #: 950252 Bedrooms: Pool:

Total Tax Value: $302,385 Bath(F/H): /

#8   12625 N Pioneer Way Oro Valley Az 85755

Owner Name: Glen Antonia B Trust /

APN / Alternate APN: 219-53-1370 / Deed Type: Warranty Deed Land Use: Sfr

Subdivision / Tract: Rancho Vistoso Nbrhd 07 / Lot Size: 8,021

Rec. Date / Price: 08/31/2022 / $585,000 Living Area: 3,209

Year Built / Eff: 1994 /

# of units:

Document #: 2430023 Bedrooms: Pool: Pool

Total Tax Value: $328,135 Bath(F/H): /

#9   12645 N Pioneer Way Oro Valley Az 85755

Owner Name: Stryker Carl /Stryker Barbara

APN / Alternate APN: 219-53-1390 / Deed Type: Warranty Deed Land Use: Sfr

Subdivision / Tract: Rancho Vistoso Nbrhd

07 / Lot Size: 8,512

Rec. Date / Price: 05/24/2022 / $615,000 Living Area: 3,209

Year Built / Eff: 1990 /

# of units:

Document #: 1440002 Bedrooms: Pool: Pool

Total Tax Value: $319,240 Bath(F/H): /

Customer Name : Lisa Mrazek

Customer Company Name : First American Title Insurance Company Prepared On : 10/03/2022

#10   11792 N Village Vista Pl Tucson Az 85737

Owner Name: Stryker Jason B /Hinojosa Emmanuel

APN / Alternate APN: 220-06-1200 / Deed Type: Warranty Deed

Subdivision / Tract: Villages/silverhawke Ph 1 / Lot Size: 9,740

Rec. Date / Price: 11/18/2021 / $600,000 Living Area: 2,776

Land Use: Sfr

Year Built / Eff: 2019 /

# of units:

Document #: 3220900 Bedrooms: Pool:

Total Tax Value: $444,676 Bath(F/H): /

#11   11819 N Silverscape Dr Tucson Az 85737

Owner Name: Wood John /Wood Alicia

APN / Alternate APN: 220-06-1390 / Deed Type: Warranty Deed Land Use: Sfr

Subdivision / Tract: Villages/silverhawke Ph 2 / Lot Size: 7,057

Rec. Date / Price: 05/31/2022 / $765,000 Living Area: 3,475

Year Built / Eff: 2020 /

# of units:

Document #: 1510437 Bedrooms: Pool:

Total Tax Value: $88,481 Bath(F/H): /

#12   12441 N Copper Queen Way Oro Valley Az 85755

Owner Name: Teodoro Eduardo P S /Teodoro Deborha

APN / Alternate APN: 219-53-0550 / Deed Type: Warranty Deed Land Use: Sfr

Subdivision / Tract: Rancho Vistoso Nbrhd 07 / Lot Size: 8,301

Rec. Date / Price: 04/19/2022 / $537,000 Living Area: 3,018

Year Built / Eff: 1992 /

# of units:

Document #: 1090384 Bedrooms: Pool: Pool

Total Tax Value: $315,393 Bath(F/H): /

#13   12390 N Granville Canyon Way Oro Valley Az 85755

Owner Name: Williams Jamin T /Zhang Yao

APN / Alternate APN: 219-53-0920 / Deed Type: Warranty Deed Land Use: Sfr

Subdivision / Tract: Rancho Vistoso Nbrhd 07 / Lot Size: 9,484 Year Built / Eff: 1989 /

Rec. Date / Price: 05/25/2022 / $561,000 Living Area: 2,944

# of units:

Document #: 1450471 Bedrooms: Pool: Pool

Total Tax Value: $306,151 Bath(F/H): /

#14   11760 N Mandarin Ln Tucson Az 85737

Owner Name: Whitehead Susan Trust /Whitehead Susan

APN / Alternate APN: 224-02-1350 / Deed Type: Warranty Deed

Subdivision / Tract: Tangerine Hills / Lot Size: 44,242

Rec. Date / Price: 02/02/2022 / $775,000 Living Area: 2,855

Land Use: Sfr

Year Built / Eff: 1996 /

# of units:

Document #: 330498 Bedrooms: Pool: Pool

Total Tax Value: $355,017 Bath(F/H): /

Customer Name : Lisa Mrazek

Customer Company Name : First American Title Insurance Company Prepared On : 10/03/2022

#15   12611 N Granville Canyon Way Oro Valley Az 85755

Owner Name: Robustelli Autumn / APN / Alternate APN: 219-53-1170 / Deed Type: Warranty Deed

Subdivision / Tract: Rancho Vistoso Nbrhd 07 / Lot Size: 8,237

Rec. Date / Price: 04/22/2022 / $600,000 Living Area: 3,209

Land Use: Sfr

Year Built / Eff: 1992 /

# of units:

Document #: 1120415 Bedrooms: Pool: Pool

Total Tax Value: $323,931 Bath(F/H): /

#16   12631 N Granville Canyon Way Oro Valley Az 85755

Owner Name: Mittel Abhinav /Mittel Anne P

APN / Alternate APN: 219-53-1190 / Deed Type: Warranty Deed Land Use: Sfr Subdivision / Tract: Rancho Vistoso Nbrhd 07 / Lot Size: 9,048

Rec. Date / Price: 07/14/2022 / $605,000 Living Area: 3,018

Year Built / Eff: 1992 /

# of units:

Document #: 1950365 Bedrooms: Pool:

Total Tax Value: $297,603 Bath(F/H): /

#17   11672 N Village Vista Pl Oro Valley Az 85737

Owner Name: Hurt Caroline E /Hurt Michael L APN / Alternate APN: 220-06-0840 / Deed Type: Special Warranty Deed Land Use: Sfr

Subdivision / Tract: Villages/silverhawke Ph 1 / Lot Size: 10,018

Rec. Date / Price: 11/02/2021 / $718,000 Living Area: 3,045

Year Built / Eff: 2018 /

# of units:

Document #: 3060547 Bedrooms: Pool:

Total Tax Value: $463,145 Bath(F/H): /

#18   11716 N Silverwood Dr Oro Valley Az 85737

Owner Name: Boynton Peccia Family Trust / APN / Alternate APN: 220-06-1030 / Deed Type: Warranty Deed Land Use: Sfr Subdivision / Tract: Villages/silverhawke Ph 1 / Lot Size: 7,784

Rec. Date / Price: 12/08/2021 / $775,000 Living Area: 3,045

Year Built / Eff: 2019 /

# of units:

Document #: 3420544 Bedrooms: Pool:

Total Tax Value: $474,925 Bath(F/H): /

#19   11662 N Village Vista Pl Oro Valley Az 85737

Owner Name: Burke Stephen G /Burke Kimberly J

APN / Alternate APN: 220-06-0830 / Deed Type: Special Warranty Deed Land Use: Sfr Subdivision / Tract: Villages/silverhawke Ph 1 / Lot Size: 6,706

Rec. Date / Price: 06/01/2022 / $733,849 Living Area: 3,475

Year Built / Eff: 2018 /

# of units:

Document #: 1520236 Bedrooms: Pool:

Total Tax Value: $452,775 Bath(F/H): /

Customer Name : Lisa Mrazek

Customer Company Name : First American Title Insurance Company Prepared On : 10/03/2022

CoreLogic.

217 W Granite Canyon Pl Oro Valley Az 85755

Owner Name: Felix Albert A / APN / Alternate APN: 219-53-2250 /

Deed Type: Warranty Deed

Subdivision / Tract: Rancho Vistoso Nbrhd 07 / Lot Size: 8,961

Land Use: Sfr

Year Built / Eff: 1989 /

# of units: Document #: 980745 Bedrooms: Pool: Pool

Rec. Date / Price: 04/08/2022 / $538,000 Living Area: 2,750

Total Tax Value: $280,806 Bath(F/H): /

Customer Name : Lisa Mrazek

Customer Company Name : First American Title Insurance Company Prepared On : 10/03/2022

CoreLogic.

Customer Name : Lisa Mrazek

Customer Company Name : First American Title Insurance Company Prepared On : 10/03/2022

Customer Name : Lisa Mrazek

Customer Company Name : First American Title Insurance Company Prepared On : 10/03/2022

2022 CoreLogic.

and statistics on

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NKINNEYRD

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NSILVERBELLRD

SSanJoaquinRd

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SCHOOL DISTRICTS

15 AJO UNIFIED 111 N. Well Road, Ajo, AZ 85321

SHelvetiaRd

51 ALTAR VALLEY ELEMENTARY 10105 S. Sasabe Road, Tucson, AZ 85736 520.822.1484

10 AMPHITHEATER UNIFIED 701 W. Wetmore, Tucson, AZ 85705 520.696.5000

16 CATALINA FOOTHILS UNIFIED 2101 E. River Road, Tucson, AZ 85718 520.209.7500

39 CONTINENTAL ELEMENTARY 1991 E. Whitehouse Canyon, Green Valley, AZ 85614 520.625.4581

08 FLOWING WELLS UNIFIED 1556 W. Prince Road, Tucson, AZ 85705 520.696.8800

06 MARANA UNIFIED 11279 W. Grier Road, Marana, AZ 85653 520.682.3243

11 PIMA COUNTY JTED 2855 W. Master Pieces Dr, Tucson, AZ 85741 520.352.5833

30 SAHUARITA UNIFIED 350 W. Sahuarita Road, Sahuarita, AZ 85629 520.625.3502

12

SUNNYSIDE UNIFIED 2238 E. Ginter Road, Tucson, AZ 85706 520.545.2000

13 TANQUE VERDE UNIFIED 2300 N. Tanque Verde Loop, Tucson, AZ 85749 520.749.5751

01 TUCSON UNIFIED 1010 E. 10th Street, Tucson, AZ 85717 520.225.6000

20 VAIL UNIFIED 10701 E. Mary Ann Cleveland Way, Tucson, AZ 85747 520.879.2000

Public Schools :

Elementary Schools

Painted Sky Elementary School

12620 N Woodburne Ave Oro Valley AZ 85755

Telephone : (520) 696-3800

Lowest Grade : Pre-K

Distance 0.63 Miles

School District : Amphitheater Unified District (4406)

Highest Grade : 5th

Kindergarten : Yes School Enrollment : Enrollment : 398 Total Expenditure/Student : 132

The Innovation Academy Distance 1.53 Miles

825 W Desert Fairways Dr Oro Valley AZ 85755

Telephone : (520) 269-4610

Lowest Grade : Pre-K

School District : Amphitheater Unified District (4406)

Highest Grade : 5th

Kindergarten : Yes School Enrollment : Enrollment : 444 Total Expenditure/Student : 132

Copper Creek Elementary School Distance 1.54 Miles

11620 N Copper Spring Trl Tucson AZ 85737

Telephone : (520) 696-6800

School District : Amphitheater Unified District (4406)

Lowest Grade : Pre-K Highest Grade : 5th

Kindergarten : Yes School Enrollment : Enrollment : 381

Total Expenditure/Student : 132

Customer Name : Lisa Mrazek

Customer Company Name : First American Title Insurance Company Prepared On : 10/03/2022

Basis Oro Valley Primary Distance 1.71 Miles

11155 N Oracle Rd Oro Valley AZ 85737

Telephone : (520) 812-5900

School District : Basis Charter Schools Inc. (92318)

Lowest Grade : K Highest Grade : 6th Kindergarten : Yes School Enrollment : Enrollment : 743

Total Expenditure/Student :

High Schools

Basis Oro Valley Distance 1.7 Miles

11155 N Oracle Rd Oro Valley AZ 85737

Telephone : (520) 308-5220

School District : Basis Charter Schools Inc. (90508)

Lowest Grade : 5th Highest Grade : 12th School Enrollment : Enrollment : 626

Total Expenditure/Student : Advanced Placement : No

Customer Name : Lisa Mrazek

Customer Company Name : First American Title Insurance Company Prepared On : 10/03/2022

2022 CoreLogic.

Local Business

Attractions / Recreation

Name Address

Telephone Distance (Miles)

Kelley Arizona Baseball & Soft 29 W Wanderlust Rd Oro Valley Az (520) 247-9132 0.52

Hgm Golf Enterprises 181 W Ashley Canyon Way Oro Valley Az (520) 307-6542 0.53

Brown's Boot Camp, Llc 11822 N Robi Pl Tucson Az (520) 339-8878 0.59

Seeking Serenity Coaching 202 W Milbrae Springs Dr Oro Valley Az (520) 219-3739 1.15

Banks / Financial

Name Address

Bank Of America, National Association

Telephone Distance (Miles)

12132 N Rncho Vstoso Blvd Oro Valley Az (520) 297-8757 0.2

Wells Fargo Bank, National Association 550 E Tangerine Rd Oro Valley Az (520) 219-2080 0.31

Guild Mortgage Company 12318 N Tall Grass Dr Oro Valley Az (520) 498-4700 1.43

Jpmorgan Chase Bank, National Association 11625 N Oracle Rd Tucson Az (520) 797-1991 1.67

Eating / Drinking

Name Address

Telephone Distance (Miles)

Chubby's Mobile Catering Llc 602 E Bridal Veil Fls Rd Oro Valley Az (520) 498-1137 0.05

Rosatis Pizza 12152 N Rncho Vstoso Blvd Oro Valley Az (520) 229-0083 0.18

B & B Entrepreneurs Llc 12142 N Rncho Vstoso Blvd Oro Valley Az (520) 248-0437 0.19

Starbucks 12122 N Rncho Vstoso Blvd Oro Valley Az (520) 297-4344 0.21

Health Care Services

Name Address

Smilemore Dental, Pc

Adient Health Inc

Telephone Distance (Miles)

12162 N Rancho Vistoso Bl Oro Valley Az (520) 531-8207 0.18

12162 N Rncho Vstoso Blvd Oro Valley Az (520) 229-0009 0.18

Customer Name : Lisa Mrazek

Customer Company Name : First American Title Insurance Company Prepared On : 10/03/2022

Laboratory Corporation Of America

12152 N Rncho Vstoso Blvd Oro Valley Az

(520) 219-3587 0.18

Cheers To You Nutrition 12152 N Rancho Vistoso Bl Oro Valley Az (520) 531-8000 0.18

Hospitality

Name Address

Telephone Distance (Miles)

Sonoran Sea Resort 502 E, Llc 11858 N Verismo Dr Oro Valley Az (702) 727-9235 1.04

Wyndham Resort Development Corporation 13355 N Hidden Springs Dr Oro Valley Az (520) 498-6406 1.74

Wingate By Wyndham

11075 N Oracle Rd Tucson Az (520) 544-2100 1.81

Photo Galleries Oro Valley Hotel & Suites 11075 N Oracle Rd Oro Valley Az (520) 544-2100 1.81

Organizations / Associations

Name Address Telephone Distance (Miles)

Resurrection Lutheran Church 11575 N 1st Ave Tucson Az (520) 575-1521 0.88

Freethought Arizona 13401 N Rancho Vistoso Bl Oro Valley Az (520) 434-9710 1.53

Joanne Zich Ministries 13036 N Desert Olive Dr Oro Valley Az (520) 498-5063 1.56

Hope Community Church "" Oro Valley Az (520) 237-6610 1.87

Personal Services

Name Address

Telephone Distance (Miles)

Yoga And Movement Studio Llc 12142 N Rncho Vstoso Blvd Oro Valley Az (520) 338-2728 0.19

Lady Of America 12142 N Rancho Vistoso Bl Oro Valley Az (305) 385-5550 0.19

The Movement Guru Pllc 12112 N Rancho Vistoso Bl Oro Valley Az (520) 288-7407 0.23

Nails Of World Spa 12112 N Rnch Vstso Bl 180 Tucson Az (520) 544-3843 0.23

Shopping

Name Address

Ace Nutrition, Llc

Telephone Distance (Miles)

12152 N Rancho Vistoso Bl Oro Valley Az (520) 531-8000 0.18

Safeway Stores, Incorporated 12122 N Rncho Vstoso Blvd Tucson Az (520) 297-0260 0.21

Customer Name : Lisa Mrazek

Customer Company Name : First American Title Insurance Company Prepared On : 10/03/2022

Ace Hardware 11921 N 1st Ave Oro Valley Az (520) 297-0222 0.43

New Vision Hardware Inc 11921 N 1st Ave Tucson Az (520) 297-0222 0.43

Customer Name : Lisa Mrazek

Customer Company Name : First American Title Insurance Company Prepared On : 10/03/2022

© 2022 CoreLogic. All rights reserved

12214 N ECHO VALLEY DR Distance 0.01 Miles

Owner Name : Poirier Thomas C

Sale Date : 07/29/2015

Total Value : $363,223

Bed / Bath : / 4

Land Use : Sfr

Stories : 1.5

Yr Blt / Eff Yr Blt : 1996 /

Subdivision : Vistoso Rho Prcl Nbrhd 05

Recording Date : 08/31/2015

Sale Price  : $365,000

Property Tax : $4,752.99

Lot Acres : 0.28

Living Area : 3,210

APN : 219-53-6520

12234 N ECHO VALLEY DR Distance 0.01 Miles

Owner Name : Jamilkowski Steven E

Sale Date : 02/14/2019

Total Value : $281,950

Bed / Bath : / 3

Land Use : Sfr

Stories : 1

Yr Blt / Eff Yr Blt : 1996 /

Subdivision : Rancho Vistoso Nbrhd 05

Prcl C

Recording Date : 02/19/2019

Sale Price  : $295,000

Property Tax : $3,603.64

Lot Acres : 0.29

Living Area : 2,137

APN : 219-53-6540

12244 N ECHO VALLEY DR Distance 0.03 Miles

Owner Name : Leahy John J

Sale Date : 10/00/2000

Total Value : $286,302

Bed / Bath : / 3

Land Use : Sfr

Stories : 1

Yr Blt / Eff Yr Blt : 2001 /

Subdivision : Rancho Vistoso Nbrhd 05

Prcl C

Recording Date : 10/24/2000

Sale Price  : $205,050

Property Tax : $3,670.52

Lot Acres : 0.31

Living Area : 2,137

APN : 219-53-6550

Customer Name : Lisa Mrazek

Customer Company Name : First American Title Insurance Company Prepared On : 10/03/2022

CoreLogic.

599 E BRIDAL VEIL FALLS RD Distance 0.03 Miles

Owner Name : James Family Revocable Trus

Sale Date : 05/02/2022

Total Value : $309,557

Bed / Bath : / 3

Land Use : Sfr

Stories : 1

Yr Blt / Eff Yr Blt : 1998 /

12283 N MOUNT BIGELOW RD

Owner Name : Garcia Fernando E

Sale Date : 03/31/2010

Total Value : $317,443

Bed / Bath : / 4

Land Use : Sfr

Stories : 2

Subdivision : Rancho Vistoso Nbrhd 05 Prcl C

Recording Date : 05/05/2022

Sale Price  : $603,475

Property Tax : $3,979.06

Lot Acres : 0.18

Living Area : 2,137

APN : 219-53-6500

Distance 0.03 Miles

Subdivision : Rancho Vistoso Nbrhd 05 Prcl C

Recording Date : 04/05/2010

Sale Price  : $251,750

Property Tax : $4,061.38

Lot Acres : 0.24

Living Area : 2,708

Yr Blt / Eff Yr Blt : 1996 / APN : 219-53-6640

611 E BRIDAL VEIL FALLS RD Distance 0.03 Miles

Owner Name : Bp Hudema

Sale Date : 11/03/2020

Total Value : $293,638

Bed / Bath : / 4

Land Use : Sfr

Stories : 2

Yr Blt / Eff Yr Blt : 1996 /

Subdivision : Rancho Vistoso Nbrhd 05 Prcl C

Recording Date : 11/09/2020

Sale Price  : $450,000

Property Tax : $3,736.95

Lot Acres : 0.18

Living Area : 2,372

APN : 219-53-6490

Customer Name : Lisa Mrazek

Customer Company Name : First American Title Insurance Company Prepared On : 10/03/2022

12273 N MOUNT BIGELOW RD

Owner Name : Cauzza-bacon Family

Total Value : $350,169

Bed / Bath : / 4

Land Use : Sfr

Stories : 1.5

Yr Blt / Eff Yr Blt : 1996 /

Subdivision  : Rancho Vistoso Nbrhd 05 Prcl C

Distance 0.03 Miles

Recording Date : 06/25/1997

Sale Price  : $196,450

Property Tax : $4,567.09

Lot Acres : 0.22

Living Area : 3,032

APN : 219-53-6650

12293 N MOUNT BIGELOW RD Distance 0.04 Miles

Owner Name : Vekony Adalbert

Sale Date : 11/00/1996

Total Value : $307,687

Bed / Bath : / 3

Land Use : Sfr

Stories : 1

Yr Blt / Eff Yr Blt : 1996 /

Subdivision : Rancho Vistoso Nbrhd 05 Prcl C

Recording Date : 11/04/1996

Sale Price  : $180,700

Property Tax : $2,762.11

Lot Acres : 0.25

Living Area : 2,137

APN : 219-53-6630

12233 N ECHO VALLEY DR Distance 0.04 Miles

Owner Name : Jones William K

Sale Date : 09/29/2000

Total Value : $259,985

Bed / Bath : / 3

Subdivision : Rancho Vistoso Nbrhd 05 Prcl C

Recording Date : 10/02/2000

Sale Price  : $174,500

Property Tax : $3,306.12

Land Use : Sfr Lot Acres : 0.20

Stories : 1

Yr Blt / Eff Yr Blt : 2000 /

Living Area : 1,844

APN : 219-53-5920

Customer Name : Lisa Mrazek

Customer Company Name : First American Title Insurance Company Prepared On : 10/03/2022

2022 CoreLogic.

ECHO VALLEY DR

Owner Name : Honomichl William D

Sale Date : 04/15/2005

Total Value : $310,524

Bed / Bath : / 3

Land Use : Sfr

Stories : 1

0.04 Miles

Subdivision : Rancho Vistoso Nbrhd 05 Prcl C

Recording Date : 04/27/2005

Sale Price  : $310,000

Property Tax : $3,993.83

Lot Acres : 0.17

Living Area : 2,137

Yr Blt / Eff Yr Blt : 1999 / APN : 219-53-5910

Customer Name : Lisa Mrazek

Customer Company Name : First American Title Insurance Company Prepared On : 10/03/2022

CoreLogic.

Census Tract / block: 46.42 / 2     Year: 2018

Household

Population Population by Age

Count: 3,930 0 - 11

Estimate Current Year: 4,150 12 - 17

Estimate in 5 Years: 5,158 18 - 24 6.64%

Growth Last 5 Years: 27.53% 25 - 64 34.63%

Growth Last 10 Years: -80.01% 65 - 74 16.03% 75+

Household Size

Household Income

Current Year: 1,756 0 - $25,000 7.52%

Average Current Year: 2.24 $25,000 - $35,000 5.07%

Estimate in 5 Years: 1,822 $35,000 - $50,000 11.39%

Growth Last 5 Years: 18.62% $50,000 - $75,000 13.67%

Growth Last 10 Years: 19.57% $75,000 - $100,000 16.17%

Male Population: 43.08% Above $100,000 46.18%

Female Population: 56.92% Average Household Income: $91,974

Married People: 67.86%

Unmarried People: 32.14%

Housing

Median Mortgage Payments Home Values

Under $300: 7.79% Below $100,000: 0%

$300 - $799: 30.64% $100,000 - $150,000: 0%

$800 - $1,999: 35.79% $150,000 - $200,000: 6.71% Over $2,000: 25.79% $200,000 - $300,000: 41.29%

Median Home Value: $308,400 $300,000 - $500,000: 36.57%

Unit Occupied Owner: 79.73% Above $500,000: 15.43%

Median Mortgage: $1,349

Customer Name : Lisa Mrazek

Customer Company Name : First American Title Insurance Company Prepared On : 10/03/2022

Rent Payments Year Built

Unit Occupied Renter: 20.27% 1999 - 2000

Median Gross Rent: $1,411 1995 - 1998

Less Than $499 3.17% 1990 - 1994

$500 - $749 2.31% 1980 - 1989 3.85%

$750 - $999 10.95% 1970 - 1979 0%

$1000 and Over 83.57% 1900 - 1969 0.38%

Education

Enrollment

Public Pre-Primary School: 0%

Not Enrolled in School: 81.94%

Private Pre-Primary School: 0.46% Not A High School Graduate: 2.09%

Public School: 14.97% Graduate Of High School: 14.85%

Private School: 3.09% Attended Some College: 17.44%

Public College: 3.84% College Graduate: 37.89%

Private College: 1% Graduate Degree: 27.73% Workforce

Occupation:

Manager/Prof: 58.26% Private Worker: 68.01%

Technical: Government Worker: 14.59%

Sales: 21.84% Self Employed Worker: 8.46%

Administrative: Unpaid Family Worker: 3.3%

Private House Hold: Farming: 3.79%

Service: 12.01% Skilled:

Protective Services: Blue-Collar: 7.9%

Commute Time

Less Than 15 Min: 15.77%

15 min - 28 min: 33.4%

30 min - 57 min: 42.67%

Over 60 min: 8.16%

Customer Name : Lisa Mrazek

Customer Company Name : First American Title Insurance Company Prepared On : 10/03/2022

Customer Name : Lisa Mrazek

Customer Company Name : First American Title Insurance Company Prepared On : 10/03/2022

CoreLogic.

Customer Name : Lisa Mrazek

Customer Company Name : First American Title Insurance Company

Prepared On : 10/03/2022

CoreLogic.

Customer Name : Lisa Mrazek

Customer Company Name : First American Title Insurance Company

Prepared On : 10/03/2022

CoreLogic.

SEARCH PARAMETERS

PARCEL:  219-53-6530

PARCEL: 219-53-6530

OWNER: LUGO KENNETH E

SITUS: 12224 N ECHO VALLEY DR OV

MAIL: 12224 N ECHO VALLEY DR  ORO VALLEY AZ 85755

PLAT: LOT 00075 BLOCK LEGAL: RANCHO VISTOSO PARCEL T NEIGHBORHOOD 5 LOT 75

CURRENT TAXES

LAND

INSTRUMENT REC DATE

AFFIDAVIT    2016 420161 02/11/2016

EXEMPT RATE AREA

PRIMARY  32,296  0  0  9.4097  1012

SECONDARY  50  32,393  0  5.3279

2021 TOTAL TAX BILLED 4,220.30

2021  TAX AMT TAX DUE INTEREST DATE PAID

INFORMATION THROUGH 07/28/2022

SPECIAL DISTRICTS

TOTAL DUE

FIRST HALF  2,110.15  0.00  0.00  10/23/2021  0.00

SECOND HALF  2,110.15  0.00  0.00  05/28/2022  0.00

TOTAL CURRENT TAXES DUE 10/22 0.00 11/22 0.00

IMPROVEMENTS

BYPASS

BLDG SQFT  3,032 FULL CASH VALUE  324,433

YEAR BUILT  1996 LAND USE  01 43

NUMBER OF STORIES  1.5 LOT SIZE  1 STDLT STORIES HEIGHT  0 SCHOOL DISTRICT  1012

EXTERIOR WALLS  FRAME WOOD LAND FULL CASH VALUE  502

GRADE MATERIALS IMPR FULL CASH VALUE  323,931

SALES

SALE DATE

SELLER NAME

02/11/2016 324,000    2016 420161 WD LI JAMES / 10/04/2002 279,000    11899 4248 WD BYRD RICHARD A/MARY B 12/04/2000 260,000    11437 1603 WD HOOTEN JOHN P 07/09/1998 207,000    10834 1511 SD FIDELITY NATIONAL T10712

STANDARD LAND USE:

END SEARCH

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.

Your Escrow Number

Your New Address

City/State/Zip

Real Estate Agent

First

Southwest Gas 1.877.860.6020 www.swgas.com Cox 602.277.1000 www.cox.com

Direct TV 1.888.777.2454 www.directv.com

Dish Network 1.800.823.4929 www.dishnetwork.com

CenturyLink 800.366.8201 www.centurylink.com AT&T 1.800.222.0300 www.att.com

Verizon 1.877.300.4498 www.connecttoverizon.com

Salt River Project 602.236.8888 www.srpnet.com APS 602.371.7171 www.aps.com

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

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

Taxes PRORATE PRORATE PRORATE PRORATE

Tax Impounds BUYER BUYER BUYER

Tax Service Contract SELLER SELLER BUYER

Fire/Hazard Insurance BUYER BUYER BUYER BUYER

Flood Insurance BUYER BUYER BUYER

Homeowners Association (HOA) Transfer Fee BUYER or SELLER BUYER or SELLER BUYER or SELLER BUYER or SELLER

SELLER SELLER SELLER SELLER

PRORATE PRORATE PRORATE PRORATE

BUYER BUYER BUYER BUYER

BUYER

SELLER BUYER or SELLER BUYER or SELLER BUYER or SELLER

SELLER SELLER SELLER SELLER

SELLER SELLER SELLER SELLER

BUYER BUYER BUYER

SPLIT SPLIT SELLER SPLIT

SPLIT SPLIT SPLIT SPLIT

SELLER SELLER SELLER SPLIT

SPLIT SPLIT SELLER SPLIT

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

Protection from:

1 Someone else owns an interest in your title

2 A document is not properly signed

3 Forgery, fraud, duress in the chain of title

4 Defective recording of any document

5 There are restrictive covenants

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

a) a deed of trust

b) a judgement, tax, or special assessment

c) a charge by a homeowner’s association

7 Title is unmarketable

8 Mechanics lien

9 Forced removal of a structure because it:

a) extends on another property and/or easement

b) violates a restriction in Schedule B

c) violates an existing zoning law*

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

11 Unrecorded lien by a homeowners association

12 Unrecorded easements

13 Building permit violations*

14 Restrictive covenant violations

15 Post-policy forgery

16 Post-policy encroachment

17 Post-policy damage from extraction of minerals or water

18 Lack of vehicular and pedestrian access

19 Map not consistent with legal description

20 Post-policy adverse possession

Compare First American’s Eagle Policy® for Owners

21

22

23

Post-policy prescriptive easement

Covenant violation resulting in your title reverting to a previous owner

Violation of building setback regulations

24 Discriminatory covenants

Other benefits:

25 Pays rent for substitute land or facilities

26 Rights under unrecorded leases

27

28

29

30

Plain language statements of policy coverage and restrictions

Compliance with Subdivision Map Act

Coverage for boundary wall or fence encroachment*

Added ownership coverage leads to enhanced marketability

31 Insurance coverage for a lifetime

32

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

33 Post-policy Living Trust coverage

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

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.

EAGLE ALTA Standard or CLTA

EAGLE ALTA Standard or CLTA

Consider This

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.

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.

Your Notes:

Your Notes:

Your Notes:

First American Title Branch Locator

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

17 GOLD CANYON

480.288.0883 6877 South Kings Ranch Rd., #5 Gold Canyon, AZ 85118 E of 60/

South Side Kings Ranch Rd.

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

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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.

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