15427 W Gelding 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

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.

Data Provided By: 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 :   15427 W Gelding Dr Surprise AZ 85379

Owner Information

Owner Name : Gorske Michael D

Mailing Address : 15427 W Gelding Dr, Surprise AZ 85379-7057 R034

Vesting Codes : Husband/wife / / Community Property

Owner Occupied Indicator : O

Location Information

Legal Description : Lot 494 Countryside Unit 3 Mcr 537-39

County : Maricopa, Az

Census Tract / Block : 610.33 / 2

Township-Range- Sect : 03N-01W-08

Legal Lot : 494

APN : 501-95-511

Owner Transfer Information

Recording/Sale Date : 12/29/2020 / 12/20/2020

Document # : 1284441

Last Market Sale Information

Subdivision : Countryside Unit 3

Map Reference : 53739

School District : Dysart 89

Munic/Township : Surprise

Neighbor Code : 23-006

Deed Type : Disclaimer Deed

Recording/Sale Date : 09/11/2009 / 07/07/2009 1st Mtg Amount/Type : $117,472 / Va

Sale Price : $115,000 1st Mtg Document # : 847035

Document # : 847034

1st Mtg Term : 30

Deed Type : Special Warranty Deed Price Per SqFt : $56.51

Title Company : First American Title

Lender : Usaa Fsb

Seller Name : Federal Home Loan Mtg Corp

Prior Sale Information

Prior Rec/Sale Date : 12/29/2006 / 12/15/2006

Prior Sale Price : $276,450

Prior Doc Number : 1700227

Prior Deed Type : Warranty Deed

Prior Lender : Hamilton Mtg

Prior 1st Mtg Amt/Type : $221,160 / Conv

Prior 1st Mtg Rate/Type : $7.88 / Adjustable Int Rate Loan

Customer Name : Lisa Mrazek

Customer Company Name : First American Title Insurance Company Prepared On : 09/23/2022 CoreLogic.

Property Characteristics

Gross Area : 2,035

Living Area : 2,035

Total Rooms : 8

Year Built / Eff : 2001

# of Stories : 2

Parking Type : Garage

Property Information

Land Use : Sfr

Zoning : PLANNED AREA DEVELOPMENT

Tax Information

Total Value : $201,600

Land Value : $40,300

Improvement Value : $161,300

Total Taxable Value : $12,352

Assessed Year : 2021

Garage Capacity : 2

Patio Type : Covered Patio

Roof Material : Concrete Tile Air Cond : Refrigeration

Heat Type : Forced Air Quality : Average

Cooling Type : Forced Air Condition : Average

Exterior wall : Frame Wood Bath Fixtures : 8

Lot Acres : 0.14

Lot Size : 5,983

State Use : Single Fam Resurban Subd ( 3 )

Improve % : 80%

Tax Year : 2021

Property Tax : $1,415.96

Tax Rate Area : 891502

Market Value : $201,600

Current Assessed Year : 2023

Current Year Total Value : $28,730

Current Year Improvement Value : $22,990

Current Year Land Value : $5,740

Customer Name : Lisa Mrazek

Customer Company Name : First American Title Insurance On : 09/23/2022

Sales Analysis

Criteria Property Low High

Sale $409,400 $500,000 $456,820

Bldg/Living

Price $56.51 $184 $258 $225.32

Year Built 2001 2001 2005 2002

Lot

Bathrooms

Total $193,000 $248,700 $217,520

Distance

Details of Comparables

Subject Property: 15427 W Gelding Dr Surprise Az 85379

Owner Name: Gorske Michael D / APN / Alternate APN: 501-95-511 / Deed Type: Special Warranty Deed Land Use: Sfr

Subdivision / Tract: Countryside Unit 3 / Lot Size: 5,983

Year Built / Eff: 2001 / Rec. Date / Price: 09/11/2009 / $115,000 Living Area: 2,035 # of units: Document #: 847034

Bedrooms: Pool: Total Tax Value: $201,600 Bath(F/H): /

#1   15421 W Gelding Dr Surprise Az 85379

Owner Name: Nguyen Thanh-nghia / APN / Alternate APN: 501-95-512 / Deed Type: Warranty Deed Land Use: Sfr Subdivision / Tract: Countryside Unit 3 / Lot Size: 6,101 Year Built / Eff: 2001 / Rec. Date / Price: 04/15/2022 / $425,000 Living Area: 1,747 # of units: Document #: 336026

Bedrooms: Pool: Total Tax Value: $193,000 Bath(F/H): /

#2   14360 N 154th Ln Surprise Az 85379

Owner Name: Resicap Arizona Owner Ii Ll / APN / Alternate APN: 501-95-523 / Deed Type: Warranty Deed Land Use: Sfr Subdivision / Tract: Countryside Unit 3 / Lot Size: 5,520

Year Built / Eff: 2002 / Rec. Date / Price: 04/29/2022 / $450,000 Living Area: 1,747 # of units: Document #: 375274

Bedrooms: Pool:

Total Tax Value: $193,700 Bath(F/H): /

#3   15413 W Watson Ln Surprise Az 85379

Owner Name: Lpf Blvd Phoenix Llc / APN / Alternate APN: 501-95-534 / Deed Type: Warranty Deed Land Use: Sfr Subdivision / Tract: Countryside Unit 3 / Lot Size: 5,438

Year Built / Eff: 2001 / Rec. Date / Price: 12/17/2021 / $418,000 Living Area: 2,035 # of units: Document #: 1337804

Bedrooms: Pool:

Total Tax Value: $201,600 Bath(F/H): /

#4   14258 N 154th Ln Surprise Az 85379

Owner Name: Mast Nicholas Lee / APN / Alternate APN: 501-95-562 / Deed Type: Warranty Deed

Land Use: Sfr Subdivision / Tract: Countryside Unit 3 / Lot Size: 6,971

Year Built / Eff: 2002 / Rec. Date / Price: 10/14/2021 / $475,000 Living Area: 2,035 # of units:

Document #: 1110044

Bedrooms: Pool: Pool

Total Tax Value: $222,300 Bath(F/H): /

Customer Name : Lisa

Customer Company Name : First American Title Insurance Prepared On : 09/23/2022

#5   14509 N 153rd Dr Surprise Az 85379

Owner Name: Lpf Blvd Phoenix Llc / APN / Alternate APN: 501-95-644 / Deed Type: Warranty Deed

Land Use: Sfr

Year Built / Eff: 2001 / Rec. Date / Price: 01/03/2022 / $418,000 Living Area: 2,035 # of units:

Subdivision / Tract: Countryside Unit 3 / Lot Size: 5,500

Document #: 4376

Bedrooms: Pool: Pool

Total Tax Value: $215,800 Bath(F/H): /

#6   15438 W Ventura St Surprise Az 85379

Owner Name: Bridge Jill & Anthony /Haider Jacqueline & Richard APN / Alternate APN: 509-02-668 / Deed Type: Warranty Deed

Land Use: Sfr

Year Built / Eff: 2004 / Rec. Date / Price: 11/17/2021 / $455,000 Living Area: 1,810 # of units:

Subdivision / Tract: Cotton Gin / Lot Size: 6,670

Document #: 1229842

Bedrooms: Pool: Pool

Total Tax Value: $220,000 Bath(F/H): /

#7   14614 N 153rd Ct Surprise Az 85379

Owner Name: Salazar Crystal & Mario A /Diaz Mario A S APN / Alternate APN: 501-95-325 / Deed Type: Warranty Deed Land Use: Sfr

Subdivision / Tract: Countryside Unit 2 / Lot Size: 11,999

Year Built / Eff: 2002 / Rec. Date / Price: 08/23/2022 / $495,000 Living Area: 2,260 # of units:

Document #: 660670

Bedrooms: Pool:

Total Tax Value: $224,300 Bath(F/H): /

#8   15309 W Hearn Rd Surprise Az 85379

Owner Name: Hancock Quarters Llc / APN / Alternate APN: 501-95-579 / Deed Type: Warranty Deed

Land Use: Sfr

Year Built / Eff: 2002 / Rec. Date / Price: 02/16/2022 / $483,000 Living Area: 2,035 # of units:

Subdivision / Tract: Countryside Unit 3 / Lot Size: 6,472

Document #: 145296

Bedrooms: Pool:

Total Tax Value: $206,200 Bath(F/H): /

#9   15548 W Evans Dr Surprise Az 85379

Owner Name: Hovsepian Raffi /Hovsepian Marena

APN / Alternate APN: 501-92-492 / Deed Type: Warranty Deed

Land Use: Sfr Subdivision / Tract: Greenway Parc At Surprise 2 / Lot Size: 8,454

Year Built / Eff: 2002 / Rec. Date / Price: 04/08/2022 / $470,000 Living Area: 1,989

Document #: 315395

# of units:

Bedrooms: Pool: Pool

Total Tax Value: $227,100 Bath(F/H): /

Customer Name : Lisa

Customer Company Name : First American Title Insurance Company Prepared On : 09/23/2022

#10   15298 W Watson Ln Surprise Az 85379

Owner Name: I & G Sfr I Borrower Llc / APN / Alternate APN: 501-95-673 / Deed Type: Warranty Deed

Land Use: Sfr

Year Built / Eff: 2002 / Rec. Date / Price: 09/27/2021 / $409,400 Living Area: 2,065

Subdivision / Tract: Countryside Unit 4 / Lot Size: 7,601

# of units: Document #: 1037566

Bedrooms: Pool: Total Tax Value: $221,800 Bath(F/H): /

#11   14627 N 153rd Ct Surprise Az 85379

Owner Name: Pine Grove Residential Fund / APN / Alternate APN: 501-95-329 / Deed Type: Warranty Deed Land Use: Sfr

Subdivision / Tract: Countryside Unit 2 / Lot Size: 5,855

Year Built / Eff: 2002 / Rec. Date / Price: 04/22/2022 / $460,000 Living Area: 2,260 # of units:

Document #: 355783

Bedrooms: Pool: Total Tax Value: $208,200 Bath(F/H): /

#12   15453 W Ventura St Surprise Az 85379

Owner Name: Ousley Kyle / APN / Alternate APN: 509-02-656 / Deed Type: Warranty Deed Land Use: Sfr

Subdivision / Tract: Cotton Gin / Lot Size: 6,670

Year Built / Eff: 2004 / Rec. Date / Price: 03/16/2022 / $495,000 Living Area: 2,172 # of units: Document #: 240099

Bedrooms: Pool:

Total Tax Value: $232,300 Bath(F/H): /

#13   15437 W Ventura St Surprise Az 85379

Owner Name: 2015 Richard & Leslie / APN / Alternate APN: 509-02-655 / Deed Type: Warranty Deed

Land Use: Sfr

Year Built / Eff: 2004 / Rec. Date / Price: 12/22/2021 / $420,000 Living Area: 1,931 # of units:

Subdivision / Tract: Cotton Gin / Lot Size: 6,670

Document #: 1356035 Bedrooms: Pool:

Total Tax Value: $220,200 Bath(F/H): /

#14   14207 N 153rd Dr Surprise Az 85379

Owner Name: Ih6 Property Phoenix Lp / APN / Alternate APN: 501-95-580 / Deed Type: Warranty Deed

Land Use: Sfr

Year Built / Eff: 2002 / Rec. Date / Price: 07/05/2022 / $500,000 Living Area: 2,035 # of units:

Subdivision / Tract: Countryside Unit 3 / Lot Size: 6,009

Document #: 550543

Bedrooms: Pool:

Total Tax Value: $202,700 Bath(F/H): /

#15   15428 W Redfield Rd Surprise Az 85379

Owner Name: Amador Isaac / APN / Alternate APN: 509-02-652 / Deed Type: Warranty Deed

Land Use: Sfr

Year Built / Eff: 2005 / Rec. Date / Price: 01/31/2022 / $492,000 Living Area: 2,172

Subdivision / Tract: Cotton Gin / Lot Size: 6,761

Document #: 93624

# of units:

Bedrooms: Pool: Pool

Total Tax Value: $248,700 Bath(F/H): /

Customer Name : Lisa Mrazek

Customer Company Name : First American Title Insurance Company

Prepared On : 09/23/2022

#16   14206 N 152nd Ln Surprise Az 85379

Owner Name: Dwf Vi Atlas Sfr-az Llc / APN / Alternate APN: 501-95-677 / Deed Type: Warranty Deed Land Use: Sfr Subdivision / Tract: Countryside Unit 4 / Lot Size: 8,838

Year Built / Eff: 2002 / Rec. Date / Price: 06/16/2022 / $466,000 Living Area: 2,065

# of units: Document #: 507140

Bedrooms: Pool: Total Tax Value: $227,800 Bath(F/H): /

#17   15342 W Banff Ln Surprise Az 85379

Owner Name: Dwf Vi Atlas Sfr-az Llc / APN / Alternate APN: 501-95-178 / Deed Type: Warranty Deed Land Use: Sfr Subdivision / Tract: Countryside Unit 2 / Lot Size: 5,500

Year Built / Eff: 2002 / Rec. Date / Price: 12/13/2021 / $415,000 Living Area: 2,260 # of units: Document #: 1317064

Bedrooms: Pool:

Total Tax Value: $206,800 Bath(F/H): /

#18   15281 W Hearn Rd Surprise Az 85379

Owner Name: Mch Sfr Property Owner 3 Ll / APN / Alternate APN: 501-95-679 / Deed Type: Warranty Deed Land Use: Sfr Subdivision / Tract: Countryside Unit 4 / Lot Size: 7,685

Year Built / Eff: 2002 / Rec. Date / Price: 04/01/2022 / $450,000 Living Area: 1,905 # of units:

Document #: 293050

Bedrooms: Pool: Pool

Total Tax Value: $228,800 Bath(F/H): /

#19   15260 W Watson Ln Surprise Az 85379

Owner Name: Glasmann Mitchell /Glasmann Samantha APN / Alternate APN: 501-95-668 / Deed Type: Warranty Deed

Land Use: Sfr Subdivision / Tract: Countryside Unit 4 / Lot Size: 7,464

Year Built / Eff: 2002 / Rec. Date / Price: 09/14/2022 / $450,000 Living Area: 1,973 # of units:

Document #: 708839

Bedrooms: Pool:

Total Tax Value: $222,100 Bath(F/H): /

#20   15267 W Watson Ln Surprise Az 85379

Owner Name: Zuniga Brenda A A / APN / Alternate APN: 501-95-701 / Deed Type: Warranty Deed

Land Use: Sfr Subdivision / Tract: Countryside Unit 4 / Lot Size: 6,930

Year Built / Eff: 2002 / Rec. Date / Price: 06/14/2022 / $490,000 Living Area: 2,185 # of units:

Document #: 499175

Bedrooms: Pool:

Total Tax Value: $227,000 Bath(F/H): /

Customer Name : Lisa

Customer Company Name : First American Title Insurance Prepared On 09/23/2022

Public Schools :

Elementary Schools

Calibre Academy Surprise Distance 0.37 Miles

15688 W Acoma Dr Surprise AZ 85379

Telephone : (623) 556-2179

School District : Calibre Academy (79055)

Lowest Grade : K Highest Grade : 8th

Kindergarten : Yes School Enrollment : Enrollment : 483

Total Expenditure/Student :

Countryside Elementary School Distance 0.47 Miles

15047 N. Parkview Place Surprise AZ 85379

Telephone : (623) 876-7800

School District : Dysart Unified District (4243)

Lowest Grade : Pre-K Highest Grade : 8th

Kindergarten : Yes School Enrollment : Enrollment : 623

Total Expenditure/Student : 180

Ashton Ranch Elementary School Distance 0.72 Miles 14898 W Acoma Dr Surprise AZ 85379

Telephone : (623) 523-8300

School District : Dysart Unified District (4243)

Lowest Grade : Pre-K Highest Grade : 8th

Kindergarten : Yes School Enrollment : Enrollment : 643

Total Expenditure/Student : 180

Marley Park Elementary Distance 0.93 Miles

15042 W Sweetwater Ave Surprise AZ 85379

Telephone : (623) 523-8200

School District : Dysart Unified District (4243)

Lowest Grade : Pre-K Highest Grade : 8th Kindergarten : Yes School Enrollment : Enrollment : 1143

Total Expenditure/Student : 180

Customer 09/23/2022

Middle Schools

Imagine Surprise Middle Distance 0.37 Miles

14850 N 156th Ave Surprise AZ 85379

Telephone : (623) 344-1770

School District : Imagine Middle At Surprise Inc. (88372)

Lowest Grade : 6th Highest Grade : 8th

Kindergarten : No School Enrollment : Enrollment : 407

Total Expenditure/Student : High Schools

Highland Prep Distance 0.22 Miles

15600 W Hearn Rd Surprise AZ 85379

Telephone : (623) 300-8385

School District : Highland Prep (92982)

Lowest Grade : 9th Highest Grade : 12th School Enrollment : Enrollment : 338

Total Expenditure/Student : Advanced Placement : No

Imagine Prep Surprise Distance 0.37 Miles

14850 N 156th Ave Surprise AZ 85379

Telephone : (623) 344-1770

School District : Imagine Prep Surprise Inc. (89790)

Lowest Grade : 9th Highest Grade : 12th School Enrollment : Enrollment : 349

Total Expenditure/Student : Advanced Placement : No

Valley Vista High School Distance 0.83 Miles

15550 N Parkview Pl Surprise AZ 85374

Telephone : (623) 523-8800

School District : Dysart Unified District (4243)

Lowest Grade : 9th Highest Grade : 12th School Enrollment : Enrollment : 2654

Total Expenditure/Student : 180 Advanced Placement : No

Customer Name : Lisa Mrazek

Customer Company Name : First American Title Insurance Company Prepared On : 09/23/2022

West-mec - Valley Vista High School Distance 0.84 Miles 15550 N Parkview Pl Surprise AZ 85374

Telephone : (623) 523-8800

School District : West-mec - Western Maricopa Education Center (80923)

Lowest Grade : 9th Highest Grade : 12th School Enrollment : Enrollment : 0

Total Expenditure/Student : Advanced Placement : No

Customer

Customer Prepared On : 09/23/2022

Local Business

Attractions / Recreation

Name Address Telephone Distance (Miles)

Teamgq Entertainment Llc 14114 N 152nd Dr Surprise Az (623) 875-0356 0.31

Legendary Martial Arts Llc 15341 W Waddell Rd B10 Surprise Az (623) 523-7016 0.39

Ballet West Classical School, Llc. 15241 W Old Oak Ln Surprise Az (602) 326-9090 0.64

Yong In Master An's Taekwondo, Llc 15403 W Greenway Rd Surprise Az (623) 584-6339 0.66

Banks / Financial

Name Address Telephone Distance (Miles)

Midfirst Bank 15451 W Waddell Rd Surprise Az (623) 544-4280 0.39

Wells Fargo Bank, National Association 15564 W Waddell Rd Surprise Az (623) 214-6420 0.42

Arizona Federal Credit 15460 N Reems Rd Surprise Az (623) 584-8578 0.65

Ctp Payday Advance 14333 N 161st Ln Surprise Az (602) 799-1117 0.85

Eating / Drinking

Name Address Telephone Distance (Miles)

Reign Of Thai, L.l.c. 15272 W Redfield Rd Surprise Az (602) 674-9999 0.3

Vogue Bistro 15411 W Waddell Rd # 108 Surprise Az (623) 544-9109 0.39

Subway 15423 W Waddell Rd # 105 Surprise Az (623) 544-2341 0.39

Little Caesars Pizza 15423 W Waddell Rd Surprise Az (623) 975-2882 0.39

Health Care Services

Name Address Telephone Distance (Miles)

Perfect Connection Home Services 15420 W Banff Ln Surprise Az (480) 258-1849 0.22

Teddy Bear Pediatrics Llc 15415 W Mauna Loa Ln Surprise Az (623) 936-6928 0.26

Precious Loving Home Care Llc 15244 W Watson Ln Surprise Az (623) 584-7264 0.27

Crossroads Wellness 15411 W Waddell Rd # 102 Surprise Az (623) 289-2009 0.39

Customer Name : Lisa Mrazek

Customer Company Name : First American Title Insurance Company Prepared On : 09/23/2022

Hospitality

Name Address Telephone Distance (Miles)

Your Stay Accommodations

16175 N 157th Dr Surprise Az (623) 277-7888 1.1

Deana Lacy's Safe Haven Llc 15223 W Wethersfield Rd Surprise Az (480) 261-1828 1.39

Residence Inn By Marriott Surprise Az 16418 N Bullard Ave Surprise Az (623) 249-6333 1.5

Hilton Garden Inn Surprise Phoenix 16601 N Stadium Way Surprise Az (623) 404-2300 1.55

Organizations / Associations

Name Address Telephone Distance (Miles)

Calvary Chapel Surprise, Inc. 15610 W Greenway Rd Surprise Az (623) 399-9613 0.62

Calvary Chapel Surprise 15610 W Greenway Rd Surprise Az (623) 399-9613 0.62

Life's Journey Ministry Llc 15647 W Caribbean Ln Surprise Az (623) 302-1514 0.66

Emmaus Episcopal Church 13327 N 152nd Ave Surprise Az (623) 340-7474 0.72

Personal Services

Name Address Telephone Distance (Miles)

My Surprise Nail Spa Llc 15423 W Waddell Rd # 101 Surprise Az (623) 544-7347 0.39

Sanity Salon & Spa 15341 W Waddell Rd # 102 Surprise Az (623) 584-5027 0.4

Fitness Image Llc 15753 W Calavar Rd Surprise Az (480) 433-7811 0.52

Surprise Recreation Campus 15960 N Bullard Ave Surprise Az (623) 222-2000 1.35

Shopping

Name Address Telephone Distance (Miles)

Ruff N Tuff Tools 15411 W Waddell Rd # 102 Surprise Az (310) 347-2927 0.39

Dollar Buster 15411 W Waddell Rd Surprise Az (623) 584-7887 0.39

Bashas' Inc. 15367 W Waddell Rd Surprise Az (623) 214-6460 0.39

Food Service Interactive Llc 15270 W Old Oak Ln Surprise Az (623) 433-9690 0.64

Customer Name : Lisa Mrazek

Customer Company Name : First American Title Insurance Company Prepared On : 09/23/2022

15433 W GELDING DR

Owner Name : Watson Kevin Thomas

Sale Date : 05/27/2015

Total Value : $164,700

Distance 0.01 Miles

Subdivision : Countryside Unit 3

Recording Date : 06/22/2015

Sale Price  : $137,000

Bed / Bath : / 2 Property Tax : $868.60

Land Use : Sfr

Lot Acres : 0.12

Stories : 1 Living Area : 1,127

Yr Blt / Eff Yr Blt : 2001 / APN : 501-95-510

14382 N 154TH AVE Distance 0.02 Miles

Owner Name : Sloane Blair T

Sale Date : 03/11/2009

Subdivision : Countryside Unit 3

Recording Date : 03/17/2009

Total Value : $207,800 Sale Price  : $119,000

Bed / Bath : / 3 Property Tax : $1,467.46

Land Use : Sfr Lot Acres : 0.18

Stories : 2 Living Area : 2,035

Yr Blt / Eff Yr Blt : 2001 / APN : 501-95-513

15374 W GELDING DR Distance 0.04 Miles

Owner Name : Ah4r Properties Two Llc

Sale Date : 07/24/2021

Subdivision : Countryside Unit 3

Recording Date : 08/05/2021

Total Value : $167,200 Sale Price  : $348,228

Bed / Bath : / 2 Property Tax : $1,023.78

Land Use : Sfr Lot Acres : 0.13

Stories : 1 Living Area : 1,127

Yr Blt / Eff Yr Blt : 2001 / APN : 501-95-619

15457 W GELDING DR

Owner Name : Batchelder Sean

Sale Date : 12/30/2013

Total Value : $234,600

Bed / Bath : / 3

Land Use : Sfr

Distance 0.05 Miles

Subdivision : Countryside Unit 3

Recording Date : 01/10/2014

Sale Price  : $169,900

Property Tax : $1,447.68

Lot Acres : 0.20

Stories : 2 Living Area : 2,035

Yr Blt / Eff Yr Blt : 2001 / APN : 501-95-506

Customer Name : Lisa Mrazek

Customer Company Name : First American Title Insurance On : 09/23/2022

15361 W GELDING DR

Owner Name : Reid Timothy C

Sale Date : 05/04/2020

Total Value : $206,300

Distance 0.05 Miles

Subdivision : Countryside Unit 3

Recording Date : 06/03/2020

Sale Price  : $261,900

Bed / Bath : / 3 Property Tax : $1,243.02

Land Use : Sfr

Lot Acres : 0.17

Stories : 2 Living Area : 2,035

Yr Blt / Eff Yr Blt : 2001 / APN : 501-95-603

15354 W WATSON LN Distance 0.06 Miles

Owner Name : Odom Lornie Thomas

Sale Date : 07/17/2018

Total Value : $222,100

Subdivision : Countryside Unit 3

Recording Date : 07/17/2018

Sale Price  : $255,000

Bed / Bath : / 3 Property Tax : $1,367.30

Land Use : Sfr Lot Acres : 0.19

Stories : 2 Living Area : 2,035

Yr Blt / Eff Yr Blt : 2002 / APN : 501-95-597

14524 N 154TH LN Distance 0.06 Miles

Owner Name : Palmerin Xiomara L

Sale Date : 05/14/2015

Total Value : $171,700

Subdivision : Countryside Unit 3

Recording Date : 06/19/2015

Sale Price  : $152,000

Bed / Bath : / 2 Property Tax : $945.46

Land Use : Sfr Lot Acres : 0.12

Stories : 1 Living Area : 1,252

Yr Blt / Eff Yr Blt : 2001 / APN : 501-95-504

14360 N 154TH LN Distance 0.07 Miles

Owner Name : Resicap Arizona Owner Ii Ll

Sale Date : 04/11/2022

Total Value : $193,700

Subdivision : Countryside Unit 3

Recording Date : 04/29/2022

Sale Price  : $450,000

Bed / Bath : / 3 Property Tax : $1,111.18

Land Use : Sfr

Lot Acres : 0.13

Stories : 2 Living Area : 1,747

Yr Blt / Eff Yr Blt : 2002 / APN : 501-95-523

Customer Name : Lisa Mrazek

Customer Company Name : First American Title Insurance Company Prepared On : 09/23/2022 CoreLogic.

14540 N 154TH LN

Owner Name : Greenwood Randi E

Sale Date : 04/12/2018

Total Value : $213,000

Distance 0.07 Miles

Subdivision : Countryside Unit 3

Recording Date : 04/30/2018

Sale Price  : $244,900

Bed / Bath : / 3 Property Tax : $1,289.92

Land Use : Sfr

Lot Acres : 0.12

Stories : 2 Living Area : 2,035

Yr Blt / Eff Yr Blt : 2001 / APN : 501-95-502

15342 W WATSON LN Distance 0.08 Miles

Owner Name : Patrick Charles Marks

Sale Date : 01/05/2017

Subdivision : Countryside Unit 3

Recording Date : 01/13/2017

Total Value : $199,000 Sale Price  : $160,000

Bed / Bath : / 3 Property Tax : $1,147.50

Land Use : Sfr Lot Acres : 0.16

Stories : 1 Living Area : 1,421

Yr Blt / Eff Yr Blt : 2002 / APN : 501-95-595

Customer

Customer Company Name : On : 09/23/2022

Census Tract / block: 610.33 / 2     Year: 2018

Household Population Population by Age

Count: 7,158 0 - 11

Estimate Current Year: 7,365 12 - 17

Estimate in 5 Years: 8,254 18 - 24 11.61%

Growth Last 5 Years: 14.45% 25 - 64 51.12%

Growth Last 10 Years: -177.83% 65 - 74 7.33% 75+

Household Size Household Income

Current Year: 2,079 0 - $25,000 12.6%

Average Current Year: 3.44 $25,000 - $35,000 3.66%

Estimate in 5 Years: 2,094 $35,000 - $50,000 18.28%

Growth Last 5 Years: 4.09% $50,000 - $75,000 24.19%

Growth Last 10 Years: 19.31% $75,000 - $100,000 19.87%

Male Population: 48.7% Above $100,000 21.4%

Female Population: 51.3% Average Household Income: $62,129

Married People: 51.27%

Unmarried People: 48.73%

Housing

Median Mortgage Payments

Home Values

Under $300: 1.25% Below $100,000: 3.09%

$300 - $799: 19.85% $100,000 - $150,000: 14.49%

$800 - $1,999: 73.46% $150,000 - $200,000: 35.88% Over $2,000: 5.44% $200,000 - $300,000: 42.79%

Median Home Value: $195,500 $300,000 - $500,000: 3.75%

Unit Occupied Owner: 65.42% Above $500,000: 0%

Median Mortgage: $967

Rent Payments Year Built

Unit Occupied Renter: 34.58% 1999 - 2000

Median Gross Rent: $1,241 1995 - 1998

Less Than $499 0% 1990 - 1994

$500 - $749 0% 1980 - 1989 1.6%

$750 - $999 8.9% 1970 - 1979 0%

$1000 and Over 91.1% 1900 - 1969 3.08%

Education

Enrollment

Public Pre-Primary School: 0.35%

Private Pre-Primary School: 0.13%

Public School: 26.2%

Not Enrolled in School: 69.84%

Not A High School Graduate: 7.19%

Graduate Of High School: 29.23%

Private School: 3.95% Attended Some College: 31.38%

Public College: 6.62% College Graduate: 26.8%

Private College: 1.76% Graduate Degree: 5.41%

Workforce

Occupation: Manager/Prof: 31.78% Private Worker: 75.14%

Technical: Government Worker: 10.13%

Sales: 27.81% Self Employed Worker: 2%

Administrative: Unpaid Family Worker: 5.99%

Private House Hold: Farming: 8.83%

Service: 22.26% Skilled:

Protective Services: Blue-Collar: 18.15%

Commute Time

Less Than 15 Min: 20.77%

15 min - 28 min: 20.95% 30 min - 57 min: 42.11%

Over 60 min: 16.17%

PARCEL:  501-95-511

PARCEL: 501-95-511 4

INSTRUMENT REC DATE

OWNER: GORSKE MICHAEL D     2020 1284440 12/29/2020

SITUS: 15427 W GELDING DR SURPRISE  15427 W GELDING DR  SURPRISE, AZ 85379

PLAT: 537 -   39 LOT    494

LEGAL: COUNTRYSIDE UNIT 3 MCR 537-39

CURRENT TAXES

INFORMATION THROUGH 09/16/2022 12,969  6.6372  891502  12724 14751 23330 30002  4,350  17,430  3.8787  1,363.96

2022  TAX AMT TAX DUE

TOTAL DUE

FIRST HALF  681.98  681.98  0.00  681.98  SECOND HALF  681.98  681.98  0.00  681.98

TOTAL CURRENT TAXES DUE 09/22 1,363.96 10/22 1,363.96

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

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 Unrecorded easements Building permit violations*

14 Restrictive covenant violations Post-policy forgery

16 Post-policy encroachment Post-policy damage from extraction of minerals or water

18 Lack of vehicular and pedestrian access Map not consistent with legal description

20 Post-policy adverse possession

Compare First American’s Eagle Policy® for Owners EAGLE ALTA Standard or CLTA

21 Post-policy prescriptive easement

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

23 Violation of building setback regulations

24 Discriminatory covenants Other benefits:

25 Pays rent for substitute land or facilities Rights under unrecorded leases

27 Plain language statements of policy coverage and restrictions

28 Compliance with Subdivision Map Act

29 Coverage for boundary wall or fence encroachment*

30 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

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:

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.

Central Arizona

First American Title Branch Locator

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.

EDesertDove

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

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