78075 E. Palo Verde

78075 E. Palo Verde Road

Winkelman, AZ 85192

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.

Client

Date

Client

Date

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 abstract, 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.

ADDRESS

78075 E PALO VERDE RD WINKELMAN, AZ 85192 APN 300-23-079

Property Detail Report 78075 E Palo Verde Rd, Winkelman, AZ 85192-7043 Pinal County Data as of: 04/05/2021

APN: 300-23-079

Owner Information Owner Name: Vesting: Mailing Address:

Millsaps Russell V / Millsaps Margene 950 E 11th Ave, Mesa, AZ 85204-5019

Occupancy:

Absentee Owner

E-120 Of W-600 Of S-104.5 Of N-129.5 Of N1/2 Se Se Sec 8- 6S- 16E .29 Ac 300-23-079 Alternate APN: Twnshp-Rng-Sec: 06S-16E-08 Tract #: School District: Ray Unified District Ray Primary School Middle School: Ray High School 32.92146 Longitude: -110.72687

County:

Pinal, AZ

Location Information Legal Description: APN: Munic / Twnshp: Subdivision: Neighborhood: Elementary School: Latitude:

Census Tract / Block: 002200 / 1164 Legal Lot / Block: Legal Book / Page: High School:

Ray High School

Transfer Doc #: Deed Type:

1996.27171 Quitclaim

Deed Type: New Construction: 1st Mtg Doc #: Sale Doc #:

N/A N/A

Last Transfer / Conveyance - Current Owner Transfer / Rec Date: Buyer Name:

08/10/1996 / 08/12/1996 Pinal County

Price: Seller Name:

Millsapps, Russell V & Margene

Last Market Sale Sale / Rec Date: Multi / Split Sale: 1st Mtg Amt / Type: 2nd Mtg Amt / Type: Seller Name: Lender:

Sale Price / Type: Price / Sq. Ft.: 1st Mtg Rate / Type: 2nd Mtg Rate / Type:

Title Company:

Prior Sale Information Sale / Rec Date: 1st Mtg Amt / Type: Prior Lender:

Sale Price / Type: 1st Mtg Rate / Type:

Prior Deed Type: Prior Sale Doc #:

N/A

Property Characteristics Gross Living Area: Living Area: Total Adj. Area: Above Grade: Basement Area: Style: Foundation: Quality: Condition:

Total Rooms: Bedrooms: Baths (F / H): Pool: Fireplace: Cooling: Heating: Exterior Wall: Construction Type:

0

Year Built / Eff: Stories: Parking Type: Garage #: Garage Area: Porch Type: Patio Type: Roof Type: Roof Material:

1979 1

Lot Area: Lot Width / Depth: Usable Lot:

12,632 Sq. Ft.

Zoning: # of Buildings: Res / Comm Units:

1 1/

Acres: Flood Map #: Flood Panel #:

0.29 04021C1386E 1386E

Water / Sewer Type: Flood Map Date: Inside SFHA:

12/04/2007 False

35.91%

Market Total Value: Market Land Value: Market Imprv Value: Market Imprv %:

$3,921 $2,513 $1,408 35.91%

Site Information Land Use: State Use: County Use: Site Influence: Flood Zone Code: Community Name:

Mobile Home 0830 - Mh Non S...

0830 - Mh Lot, Not Subdivided X Pinal County

Tax Information Assessed Year: Tax Year: Tax Area: Property Tax: Exemption:

2021 0304

Assessed Value: Land Value: Improvement Value: Improved %: Delinquent Year:

© 2021 DATA TRACE INFORMATION SERVICES LLC AND/OR ITS AFFILIATES. ALL RIGHTS RESERVED.

PAGE 1 OF 1

Sales Comparables 78075 E Palo Verde Rd, Winkelman, AZ 85192-7043 Pinal County Data as of: 04/05/2021

APN: 300-23-079

Subject Property 78075 E Palo Verde Rd, Winkelman, AZ 85192-7043 Sale Price / Type: Sale / Rec Date: Year Built / Eff: Assessed Value: Land Use: Owner Name: Mailing Address: County: APN: Subdivision: Census Tct / Blk: 1st Mtg / Type: Res / Comm Units:

/ 06/18/1984 1979 / $3,921 Mobile Home Millsaps Russell V / Millsaps Margene 950 E 11th Ave, Mesa, AZ 85204-5019 Pinal 300-23-079

Lot Area: Living Area: Pool:

12,632 Sq. Ft.

Zoning: Acres: 0.29 Cooling: Fireplace: Parking Type: Flood Zone Code: X

002200 / 1164 1/

Bedrooms: Baths (F / H): Total Rooms:

0 0/0

Stories: 1 Roof Material: Prior Sale Price: Prior Sale Date: Prior Rec Date: Prior Sale Doc #:

Search Criteria # Months Back: Living Area Difference:

12 15.0 + / -

Distance From Subject: Land Use:

1 mi Same As Subject

1 Comparable Properties Found COMPARABLE PROPERTY SUMMARY Subject

Low

Averag e

Hig h

$114,000

$114,000

$114,000

160

160

160

$712

$712

$712

Bedrooms

0

0

0

Baths

0

0

0

60,984 Sq. Ft.

60,984 Sq. Ft.

60,984 Sq. Ft.

1

1

1

1999

1999

1999

0.21 mi

0.21 mi

0.21 mi

Price Living Area Price / Sq. Ft.

Lot Area 12,632 Sq. Ft. Stories 1 Year Built 1979 Distance

© 2021 DATA TRACE INFORMATION SERVICES LLC AND/OR ITS AFFILIATES. ALL RIGHTS RESERVED.

PAGE 1 OF 3

Sales Comparables 78075 E Palo Verde Rd, Winkelman, AZ 85192-7043 Pinal County Data as of: 04/05/2021

APN: 300-23-079

1

(https://maps.google.com/maps?ll=32.919958,-110.726552&z=17&t=m&hl=en-US&gl=US&mapclient=apiv 3)

Subject Property

Comparables

COMPARABLES #

MI

1

0.21

L: Listed

ST

Address

Sold

78116 E San Pedro Rd, Winkelman, AZ 85192

04/10/2020 $114,000

R: REO

RS: REO Sale

SS: Short Sale

D: Default

Sold For

Listed

Listed At

Sq. Ft.

$ / Sq. Ft.

160

$712

Bds / Bths

Lot Size

Ag e

60,984

22

A: Auction

© 2021 DATA TRACE INFORMATION SERVICES LLC AND/OR ITS AFFILIATES. ALL RIGHTS RESERVED.

PAGE 2 OF 3

Comp #1 - 0.21 Miles From Subject 78116 E San Pedro Rd, Winkelman, AZ 85192 Sale Price / Type: Sale / Rec Date: Year Built / Eff: Assessed Value: Land Use: Owner Name: Mailing Address: County: APN:

$114,000 / Confirmed 04/10/2020 / 04/13/2020 1999 / $44,676 Mobile Home Lizette M Avelarde Po Box 161, Winkelman, AZ 85192-3 Pinal 300-23-100

Subdivision: Census Tct / Blk: 1st Mtg / Type: Res / Comm Units:

002400 / 3118 $111,935 / Federal Housing Authority (Fha) 1/

Lot Area: Living Area: Pool:

Zoning: Acres:

60,984 Sq. Ft. 160 Sq. Ft.

1.40

Cooling: Central Fireplace: Parking Type: Flood Zone Code: X

Bedrooms: Baths (F / H): Total Rooms:

0 0/0

Stories: Roof Material:

1 Composition Shingle Prior Sale Price: $110,000 Prior Sale Date: 09/23/2008 Prior Rec Date: 10/10/2008 Prior Sale Doc #: 2008.97258

© 2021 DATA TRACE INFORMATION SERVICES LLC AND/OR ITS AFFILIATES. ALL RIGHTS RESERVED.

PAGE 3 OF 3

Neighbors Report 78075 E Palo Verde Rd, Winkelman, AZ 85192-7043 Pinal County Data as of: 04/05/2021

APN: 300-23-079

17 16

9

8

15

19

13

10

5

3

2

1 4

7

6

11

14 12 18 20

(https://maps.google.com/maps?ll=32.921393,-110.727252&z=17&t=m&hl=en-US&gl=US&mapclient=apiv 3)

Subject Property

Neighbors

Subject Property 78075 E Palo Verde Rd, Winkelman, AZ 85192-7043 Occupancy:

Absentee Owner

Owner Name: Millsaps Russell V / Millsaps Margene Mailing Address: 950 E 11th Ave, Mesa, AZ 85204-5019 APN: 300-23-079

1979 /

Sale / Rec Date: / 06/18/1984 Sale Price / Type: Land Use: Mobile Home

Year Built / Eff: Living Area: Lot Area: Bedrooms: Baths (F / H):

Sale / Rec Date: / 06/13/1984 Sale Price / Type: Land Use: SFR

Year Built / Eff: Living Area: Lot Area: Bedrooms: Baths (F / H):

1988 / 1,410 Sq. Ft. 22,216 Sq. Ft.

12,632 Sq. Ft.

Neighbor 1 - 0.03 Miles From Subject 5200 N Dudleyville Rd, Winkelman, AZ 85192-7003 Occupancy:

Unknown

Owner Name: Ruiz Jessie A Mailing Address: Po Box 145, Hayden, AZ 85135-1002 APN: 300-23-080

© 2021 DATA TRACE INFORMATION SERVICES LLC AND/OR ITS AFFILIATES. ALL RIGHTS RESERVED.

PAGE 1 OF 5

Neighbor 2 - 0.03 Miles From Subject 78021 E Palo Verde Rd, Winkelman, AZ 85192-7043 Occupancy:

Absentee Owner

Owner Name: Russell V Millsaps / Margene Millsaps Mailing Address: 220 S Hobson, Mesa, AZ 85204-2010 APN: 300-23-078

Sale / Rec Date: / 03/24/2003 Sale Price / Type: Land Use: Mobile Home

Year Built / Eff: Living Area: Lot Area: Bedrooms: Baths (F / H):

1972 / 18,731 Sq. Ft.

Neighbor 3 - 0.03 Miles From Subject 5230 N Dudleyville Rd, Winkelman, AZ 85192-7003 Occupancy:

Owner Occupied

Owner Name: Huerta Alex Mailing Address: 5230 N Dudleyville Rd, Winkelman, AZ 851927003 APN: 300-24-001

Year Built / Eff: Living Area: Sale / Rec Date: 04/02/2013 / 04/16/2013 Lot Area: Sale Price / Type: $39,000 / Bedrooms: Land Use:

Mobile Home

1974 / 980 Sq. Ft. 22,651 Sq. Ft.

Baths (F / H):

Neighbor 4 - 0.03 Miles From Subject 5170 N Dudleyville Rd, Winkelman, AZ 85192 Occupancy:

Unknown

Owner Name: Kimmel John Paul / Chatawn Colette Mailing Address: Po Box 744, Hayden, AZ 85135-1031 APN: 300-23-081

Sale / Rec Date: / 10/23/1996 Sale Price / Type: $48,000 / Land Use: Mobile Home

Year Built / Eff: Living Area: Lot Area: Bedrooms: Baths (F / H):

1970 / 1972 720 Sq. Ft. 96,268 Sq. Ft.

Sale / Rec Date: / 02/07/1994 Sale Price / Type: Land Use: Mobile Home

Year Built / Eff: Living Area: Lot Area: Bedrooms: Baths (F / H):

1982 / 160 Sq. Ft. 22,651 Sq. Ft.

Year Built / Eff: Living Area: Sale / Rec Date: 05/29/2003 / 05/30/2003 Lot Area: Sale Price / Type: $53,000 / Confirmed Bedrooms: Land Use: Mobile Home Baths (F / H):

1994 / 160 Sq. Ft. 21,780 Sq. Ft.

Year Built / Eff: Living Area: Lot Area: Bedrooms: Baths (F / H):

1982 / 720 Sq. Ft. 23,522 Sq. Ft.

Neighbor 5 - 0.03 Miles From Subject 78120 E Saguaro Cir, Winkelman, AZ 85192-7073 Occupancy:

Owner Occupied

Owner Name: Camp Doris L Mailing Address: Po Box 1452, Kearny, AZ 85137-126 APN: 300-24-002

Neighbor 6 - 0.05 Miles From Subject 78100 E Andes Ave, Winkelman, AZ 85192 Occupancy:

Unknown

Owner Name: Garner Brandon D Mailing Address: Po Box 264, Winkelman, AZ 85192-5 APN: 300-23-085

Neighbor 7 - 0.05 Miles From Subject 78084 E Andes Ave, Winkelman, AZ 85192 Occupancy:

Unknown

Owner Name: Cruz Romeo M / Cruz Anna G Mailing Address: Po Box 515, Winkelman, AZ 85192-12 APN: 300-23-084

Sale / Rec Date: Sale Price / Type: Land Use: Rural Homesite

© 2021 DATA TRACE INFORMATION SERVICES LLC AND/OR ITS AFFILIATES. ALL RIGHTS RESERVED.

PAGE 2 OF 5

Neighbor 8 - 0.05 Miles From Subject 78100 E Saguaro Cir, Winkelman, AZ 85192-7073 Occupancy:

Unknown

Owner Name: Alvarez Guillermo J Mailing Address: Po Box 271, Hayden, AZ 85135-1004 APN: 300-24-003

Year Built / Eff: Living Area: Sale / Rec Date: 11/25/2009 / 12/01/2009 Lot Area: Sale Price / Type: $85,000 / Confirmed Bedrooms: Land Use: SFR Baths (F / H):

1964 / 1,334 Sq. Ft. 22,651 Sq. Ft.

Year Built / Eff: Living Area: Lot Area: Bedrooms: Baths (F / H):

1949 / 974 Sq. Ft. 21,780 Sq. Ft.

Sale / Rec Date: Sale Price / Type: Land Use: Mobile Home

Year Built / Eff: Living Area: Lot Area: Bedrooms: Baths (F / H):

1970 / 780 Sq. Ft. 20,909 Sq. Ft.

2006 /

Sale / Rec Date: Sale Price / Type: Land Use: Mobile Home

Year Built / Eff: Living Area: Lot Area: Bedrooms: Baths (F / H):

Sale / Rec Date: Sale Price / Type: Land Use: Mobile Home

Year Built / Eff: Living Area: Lot Area: Bedrooms: Baths (F / H):

1972 / 672 Sq. Ft. 9,148 Sq. Ft.

Neighbor 9 - 0.06 Miles From Subject 78125 E Saguaro Cir, Winkelman, AZ 85192-7073 Occupancy:

Owner Occupied

Owner Name: Herrington Zelda Sale / Rec Date: Mailing Address: 78125 E Saguaro Cir, Winkelman, AZ 85192-7073 Sale Price / Type: APN: 300-24-014 Land Use: SFR

Neighbor 10 - 0.06 Miles From Subject 77999 E Palo Verde Rd, Winkelman, AZ 85192-7042 Occupancy:

Absentee Owner

Owner Name: Knapp Teresa Mailing Address: Mail Return APN: 300-23-077

Neighbor 11 - 0.07 Miles From Subject 5092 N Dudleyville Rd, Winkelman, AZ 85192 Occupancy:

Unknown

Owner Name: Rabago Teresa C / Rabago Fernando S Mailing Address: Po Box 281, Winkelman, AZ 85192-5 APN: 300-23-086

49,658 Sq. Ft.

Neighbor 12 - 0.07 Miles From Subject 78053 E Andes Ave, Winkelman, AZ 85192 Occupancy:

Unknown

Owner Name: Cruz Romeo M / Cruz Anna G Mailing Address: Po Box 515, Winkelman, AZ 85192-12 APN: 300-23-089

Neighbor 13 - 0.07 Miles From Subject 78115 E Saguaro Cir, Winkelman, AZ 85192-7073 Occupancy:

Unknown

Owner Name: Cordova Sally Munoz Mailing Address: Po Box 735, Mammoth, AZ 85618-735 APN: 300-24-013

Year Built / Eff: Living Area: Sale / Rec Date: 08/16/2005 / 08/17/2005 Lot Area: Sale Price / Type: $69,000 / Confirmed Bedrooms: Land Use: SFR Baths (F / H):

© 2021 DATA TRACE INFORMATION SERVICES LLC AND/OR ITS AFFILIATES. ALL RIGHTS RESERVED.

1964 / 1,386 Sq. Ft. 17,860 Sq. Ft.

PAGE 3 OF 5

Neighbor 14 - 0.07 Miles From Subject 5065 N Cholla St, Winkelman, AZ 85192-7004 Occupancy:

Absentee Owner

Owner Name: Rector Gerald / Rector Lois D Mailing Address: Mail Return APN: 300-23-083

Sale / Rec Date: Sale Price / Type: Land Use: Mobile Home

Year Built / Eff: Living Area: Lot Area: Bedrooms: Baths (F / H):

1977 / 54,450 Sq. Ft.

Neighbor 15 - 0.08 Miles From Subject 78080 E Saguaro Cir, Winkelman, AZ 85192-7006 Occupancy:

Unknown

Owner Name: Merino Frank I / Merino Susan M Mailing Address: Po Box 559, Winkelman, AZ 85192-12 APN: 300-24-004

Year Built / Eff: Living Area: Sale / Rec Date: 10/30/1989 / 10/31/1989 Lot Area: Sale Price / Type: $47,500 / Bedrooms: Land Use: SFR Baths (F / H):

1964 / 1,382 Sq. Ft. 23,958 Sq. Ft.

Neighbor 16 - 0.09 Miles From Subject 78085 E Saguaro Cir, Winkelman, AZ 85192-7006 Occupancy:

Unknown

Owner Name: Contreras Arnold M / Contreras Barbara G Mailing Address: Po Box 765, Winkelman, AZ 85192-22 APN: 300-24-012

1988 /

Sale / Rec Date: Sale Price / Type: Land Use: Mobile Home

Year Built / Eff: Living Area: Lot Area: Bedrooms: Baths (F / H):

1997 /

Sale / Rec Date: Sale Price / Type: Land Use: Mobile Home

Year Built / Eff: Living Area: Lot Area: Bedrooms: Baths (F / H):

Sale / Rec Date:

Year Built / Eff: Living Area: Lot Area:

1924 / 1,032 Sq. Ft. 130,680 Sq. Ft.

16,988 Sq. Ft.

Neighbor 17 - 0.09 Miles From Subject 5348 N Dudleyville Rd, Winkelman, AZ 85192 Occupancy:

Unknown

Owner Name: Brock Frank Mailing Address: Po Box 166, Winkelman, AZ 85192-3 APN: 300-24-010

23,958 Sq. Ft.

Neighbor 18 - 0.09 Miles From Subject 78135 E Andes Ave, Winkelman, AZ 85192-7046 Occupancy:

Unknown

Owner Name:

Garner Brandon Dale / Rose Mary

Mailing Address: Po Box 264, Winkelman, AZ 85192-5 APN: 300-23-091

/ 09/08/1993

Sale Price / Type: Land Use: SFR

Bedrooms: Baths (F / H):

Neighbor 19 - 0.09 Miles From Subject 77929 E Palo Verde Rd, Winkelman, AZ 85192-7042 Occupancy:

Absentee Owner

Owner Name: Lease F Kenton Sale / Rec Date: / 07/28/1987 Mailing Address: 16192 N Columbus Blvd, Tucson, AZ 85739-9780 Sale Price / Type: APN: 300-23-076 Land Use: SFR

Year Built / Eff: Living Area: Lot Area: Bedrooms: Baths (F / H):

© 2021 DATA TRACE INFORMATION SERVICES LLC AND/OR ITS AFFILIATES. ALL RIGHTS RESERVED.

1969 / 880 Sq. Ft. 10,454 Sq. Ft.

PAGE 4 OF 5

Neighbor 20 - 0.09 Miles From Subject 78063 E Andes Ave, Winkelman, AZ 85192 Occupancy:

Unknown

Owner Name: Garner Brandon Dale Mailing Address: Po Box 264, Winkelman, AZ 85192-5 APN: 300-23-090

Year Built / Eff: Living Area: Sale / Rec Date: 08/21/1996 / 08/22/1996 Lot Area: Sale Price / Type: $20,000 / Bedrooms: Land Use: Mobile Home Baths (F / H):

© 2021 DATA TRACE INFORMATION SERVICES LLC AND/OR ITS AFFILIATES. ALL RIGHTS RESERVED.

1974 / 960 Sq. Ft. 21,780 Sq. Ft.

PAGE 5 OF 5

Schools Report 78075 E Palo Verde Rd, Winkelman, AZ 85192-7043 Pinal County Data as of: 04/05/2021

APN: 300-23-079

Public School Assignment

Elementary School: Middle School: High School:

Ray Unified District

Ray Primary School

Grades

651 Senator Chastain Road, Kearny, AZ 85137 - 14.40 Miles

Students

PK-6 237

Students:Teachers

State Percentile

00:1

30

St udent Et hnicit y

State Rank: Blue Ribbon School: Int'l Baccalaureate: Advanced Placement:

742 No No No

Mat h Prof icient ( % )

Hispanic Caucasian Native American African-American Asian

Free Lunch: 84% Reduced Lunch: 84% Title 1: Yes

Reading Prof icient ( % )

58% 39% 2% <1% <1%

Ray High School

Grades

Ray Primary School Ray High School Ray High School

701 Arizona 177, Kearny, AZ 85137 - 14.71 Miles

Students

7-12 209

Students:Teachers

State Percentile

00:1

50

St udent Et hnicit y

State Rank: Blue Ribbon School: Int'l Baccalaureate: Advanced Placement:

Mat h Prof icient ( % )

Hispanic Caucasian Native American Asian

134 No No No

Free Lunch: 39% Reduced Lunch: 39% Title 1: No

Reading Prof icient ( % )

60% 39% <1% <1%

© 2021 DATA TRACE INFORMATION SERVICES LLC AND/OR ITS AFFILIATES. ALL RIGHTS RESERVED.

PAGE 1 OF 1

Disclaimer: This report is not an insured product or service or a representation of the condition of title to real property. It is not an abstract, legal opinion, opinion of title, title insurance, commitment or preliminary report, or any form of title insurance or guaranty. Estimated property values are: (i) based on available data; (ii) are not guaranteed or warranted; (iii) do not constitute an appraisal; and (iv) should not be relied upon in lieu of an appraisal. 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 the issuing party's prior written consent. The issuing party 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 the issuing party'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 the issuing party would not have issued this report but for the limitation of liability described above. The issuing party makes no representation or warranty as to the legality or propriety of recipient's use of the information herein.

School information is copyrighted and provided by GreatSchools.org.

Arizona Schools For detailed information and statistics on Arizona schools please go to azreportcards.azed.gov/

First American Title Insurance Company, and the operating divisions thereof, make no express or implied warranty respecting the information presented and assume no responsibility for errors or omissions.

First American, the eagle logo, First American Title, and firstam.com are registered trademarks or trademarks of First American Financial Corporation and/or its affiliates. ©2021 First American Financial Corporation and/or its affiliates. All rights reserved. NYSE: FAF | 05117910820

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Green Valley

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Sahuarita

S OLD

SCHOOL DISTRICTS

Rd

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Sa nta

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S KOLB RD

Corona de Tucson

Rita Rd

Ro ad

424

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W HELMET PEAK RD

Rd W Ruby Star Dr uttes W Twi n B W An am a x Mine Rd cg ch Rd W M e e R an

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S Shaw Rd

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10

Summit

20

N Calle Rinconado

WB

TUCSON INT'L AIRPORT

W Pima Mine Rd

39

Littletown

E VALENCIA RD

19

S Sierrita Mountain Rd

286

W VALENCIA RD

W Hermans Rd

51

W Bush Rd

Air Force

12

E 22ND ST S HOUGHTON RD S HOUGHTON RD

W VALENCIA RD

W Guy St W Bayard Rd

Tanque Verde

S H OUGHTON RD

W Park Rd

HWY AJO W IRVINGTO N RD 95

W

E 22ND ST

S Wilmot Rd

Three Points

86

NN EY RD

S Sandario Rd

Y

HW

W

S SANDARIO RD

S Marstellar Rd

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S Swan Rd

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13RD E SNYDER

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86

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W SPEEDWAY BLVD S

15

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W MILE WIDE RD

16 ISE DR E SUNR

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N Trico Rd

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W Fort L o ell Rd w

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Casas Adobes 10

BE ER ILV

W Rudasill Rd

N

N Bea r Canyon Rd

W INA RD

O C K S RD

W MANVILLE RD

C LE

N Luckett Rd

Picture Rocks

W PICTURE R

H wy

Willow Canyon

Cortaro 11

W Emigh Rd

N SANDARIO RD

N Anway Rd

N Trico Rd

W TWIN PEAKS RD

on

A OR

N 1ST AVE

N ANWAY RD

N Pump Station Rd

N TRICO RD

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NW

Oro Valley

Summerhaven

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Fro nta

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N

Rillito

W Tucker Rd

W Manville Rd

77

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W MOORE RD W TANGERI NE RD W NARANJA DR

Marana

N Trico Rd

Valley Rd

N Dove Mount

This map is provided for general location only.

Please contact school districts for actual street boundaries

Rd ge

Continental

lv

d ia R

He 111 N. Well Road, Ajo, AZS 85321

520.387.5618

10105 S. Sasabe Road, Tucson, AZ 85736

520.822.1484

701 W. Wetmore, Tucson, AZ 85705

520.696.5000

2101 E. River Road, Tucson, AZ 85718

520.209.7500

1991 E. Whitehouse Canyon, Green Valley, AZ 85614

520.625.4581

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

15

AJO UNIFIED

51

ALTAR VALLEY ELEMENTARY

10

AMPHITHEATER UNIFIED

16

CATALINA FOOTHILS UNIFIED

39

CONTINENTAL ELEMENTARY

08

et

W Avra

Catalina

06

10

8

N Mt

W El Tiro Rd

M ou

d

Rd ged To p Ra g

E Edwin Rd

E Grand Valley Dr

vd

WS ilver bell R

s

Ga

Oracle

Oracle Junction Saddlebrooke

He

N

I-10

irre Rd

N Agu

Rd

e Lin

S

d co R Sas

N Wentz R d

E

al Ave

S Estancia Dr

School District Information

Dr

77

ove rt D ese R uil d G S

N SWAN RD

lock E Hem

a d Ranch R d

Red Rock

ED

N F- 3

S Cattle Tank Rd

E No na Rd

d

d sR

K DR K LIN PAR

E BAUMGARTNER RD

W

Chief Bu tte R

w Willo

S PICACHO HWY

10

S Kolb Rd

d

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.

05249570321

©2021 First American Financial Corporation and/or its affiliates. All rights reserved. | NYSE: FAF

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.

© 2021 CoreLogic. All rights reserved

Local Business Organizations / Associations Name

San Pedro Valley Baptist Church

Address

Telephone

4670 N Dudleyville Rd Winkelman Az

(520) 357-7353

Distance (Miles)

0.4

Customer Name : Kariann Keomaka Customer Company Name : First American Title Insurance Company Prepared On : 04/27/2021 © 2021 CoreLogic. All rights reserved

Census Tract / block: 22.00 / 1 Year: 2018 Household Population

Population by Age

Count:

5,140

0 - 11

Estimate Current Year:

5,325

12 - 17

Estimate in 5 Years:

6,137

18 - 24

0.82%

Growth Last 5 Years:

-2.08%

25 - 64

43.56%

Growth Last 10 Years:

-153.43%

65 - 74

18.91%

75+ Household Size

Household Income

Current Year:

1,941

0 - $25,000

14.94%

Average Current Year:

2.65

$25,000 - $35,000

22.31%

Estimate in 5 Years:

1,951

$35,000 - $50,000

17.41%

Growth Last 5 Years:

-15.82%

$50,000 - $75,000

25.09%

Growth Last 10 Years:

4.3%

$75,000 - $100,000

15.25%

Male Population:

50.16%

Above $100,000

5%

Female Population:

49.84%

Married People:

64.51%

Unmarried People:

35.49%

Average Household Income:

$45,375

Housing Median Mortgage Payments

Home Values

Under $300:

16.71%

Below $100,000:

18.33%

$300 - $799:

44.08%

$100,000 - $150,000:

23.38%

$800 - $1,999:

37.66%

$150,000 - $200,000:

16.71%

Over $2,000:

1.56%

$200,000 - $300,000:

26.81%

Median Home Value:

$173,100

$300,000 - $500,000:

9.04%

Unit Occupied Owner:

82.64%

Above $500,000:

5.74%

Median Mortgage:

$814

Customer Name : Kariann Keomaka Customer Company Name : First American Title Insurance Company Prepared On : 04/27/2021 © 2021 CoreLogic. All rights reserved

Rent Payments

Year Built

Unit Occupied Renter:

17.36%

1999 - 2000

Median Gross Rent:

$744

1995 - 1998

Less Than $499

15.19%

1990 - 1994

$500 - $749

35.13%

1980 - 1989

21.4%

$750 - $999

38.61%

1970 - 1979

19.42%

$1000 and Over

11.08%

1900 - 1969

21.32%

Public Pre-Primary School:

0%

Not Enrolled in School:

77.87%

Private Pre-Primary School:

0%

Not A High School Graduate:

13.6%

Public School:

22.13%

Graduate Of High School:

31.54%

Private School:

0%

Attended Some College:

30.11%

Public College:

0.51%

College Graduate:

17.8%

Private College:

0%

Graduate Degree:

6.95%

22.5%

Private Worker:

60.04%

Government Worker:

7.98%

Self Employed Worker:

0.78%

Unpaid Family Worker:

16.81%

Education Enrollment

Workforce Occupation:

Manager/Prof: Technical: Sales:

18.12%

Administrative: Private House Hold: Service:

Farming: 24.59%

Protective Services:

22.3%

Skilled: Blue-Collar:

34.79%

Commute Time

Less Than 15 Min:

24.61%

15 min - 28 min:

21.73%

30 min - 57 min:

31.22%

Over 60 min:

22.43%

Customer Name : Kariann Keomaka Customer Company Name : First American Title Insurance Company Prepared On : 04/27/2021 © 2021 CoreLogic. All rights reserved

+ FIRST AMERICAN TITLE, FC0, KWAL 04/27/2021 01:07PM EF0H

PINAL (PL), AZ

INVESTIGATIVE SEARCH RESULTS

PAGE 1 OF 1

SEARCH PARAMETERS PARCEL: PARCEL:

300-23-0790 300-23-0790

2

OWNER:

MILLSAPS RUSSELL V & MARGENE

SITUS:

78075 E PALO VERDE RD WINKELMAN

MAIL:

950 E 11TH AVE

MESA AZ 85204

INSTRUMENT

REC DATE

1230 806

06/18/1984

LEGAL:

E-120' OF W-600' OF S-104.5' OF N-129.5' OF N1/2 SE SE SEC 8- 6S-16E .29 AC

CURRENT TAXES

INFORMATION THROUGH 04/14/2021

LAND

IMPR

EXEMPT

RATE

AREA

SPECIAL DISTRICTS

PRIMARY

353

0

0

10.3842

0304

11646 11900 14613 14900 15625

SECONDARY

251

135

0

5.3641

30003

2020 TOTAL TAX BILLED

55.54

2020

TAX AMT

TAX DUE

INTEREST

DATE PAID

TOTAL DUE

FIRST HALF

55.54

0.00

0.00

02/05/2021

0.00

0.00

SECOND HALF 0.00

0.00

0.00

TOTAL CURRENT TAXES DUE 04/21

0.00

05/21

0.00

IMPROVEMENTS

BLDG SQFT

0

YEAR BUILT

1979

NUMBER OF STORIES

1.0

FULL CASH VALUE

3,859

LAND USE

08 30

LOT SIZE SCHOOL DISTRICT

0.290 ACRES

STORIES HEIGHT

0

EXTERIOR WALLS

LAND FULL CASH VALUE

2,513

GRADE MATERIALS

IMPR FULL CASH VALUE

1,346

SALES NO SALES

ADDITIONAL PROPERTY INFORMATION STANDARD LAND USE:

MOBILE HOME LOT

END SEARCH

0304

We are providing the requested information without CC&Rs. Unfortunately, we are unable to confirm CC&Rs at this time, possibly because:  The property is too complex to obtain CCRs without a complete title examination,  The property is sectional, whereas there are no “standard” subdivision-type restrictions,  A recorded plat may not exist,  The recorded plat may be older, with limited information available, or  Recorded CC&Rs may not exist.

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

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

Home Seller’s Guide

to the Title & Escrow Process in Arizona

Quick Reference

Table of

Contents

Your Escrow Number Your New Address City/State/Zip Real Estate Agent Name

Email

Assistant

Email

Company

Phone

03 Welcome

Address

Fax

04 Benefits of Using a REALTOR®

First American Title

02 Quick Reference

05 Key Professionals 06 Preparing Your Home for Sale 07 Staging Your Home for Show 09 Terms You Should Know 10 The Life of an Escrow 11 Closing Costs: Who Pays What 12 The Escrow Process

Escrow Officer

Email

Escrow Assistant

Email

Address

Phone

City/State/Zip

Fax

Insurance Previous Company

Phone

Previous Agent

Policy No.

New Company

Phone

New Agent

Policy No.

Home Warranty Company

Policy No.

14 Understanding Title Insurance

Utilities and Services

16 Consider This

Southwest Gas 1.877.860.6020 www.swgas.com

Dish Network 1.800.333.3474 www.dishnetwork.com

Verizon 1.877.300.4498 www.connecttoverizon.com

Cox 866.206.9832 www.cox.com/arizona

CenturyLink 800.475.7526 www.centurylink.com

Trico Electric 520.744.2944 www.trico.coop

Direct TV 1.800.494.4388 www.directv.com

AT&T 1.800.222.0300 www.att.com

Tucson Electric Power 520.623.7711 www.tep.com

17 Closing Your Escrow 18 Planning Your Move

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.

AZ Sellers Guide | 3

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®:

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...

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

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

› C an advertise effectively for the best results.

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

› K nows how to price your home realistically, to give you the highest price possible within your time frame. › I s experienced in creating demand for homes and how to show them to advantage. › K nows how to screen potential buyers and eliminate those who can’t qualify or are looking for bargain-basement prices.

- 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?

› K nows how to go toe-to-toe in negotiations.

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

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

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

› C an remain objective when presenting offers and counter-offers on your behalf. › Maintains errors-and-omissions insurance.

Are you...

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

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

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

- concerned about having strangers walking through your home?

› I s 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!

- 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?

AZ Sellers Guide | 4

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.

AZ Sellers Guide | 5

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

PREPARING YOUR HOME FOR SALE

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.

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

Repair leaky faucets and caulking in bathtubs and showers.

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

First impressions have a major impact on potential buyers. Try to imagine what potential buyers will see

Make sure toilet seats look new and are firmly attached.

Repair or replace loud ventilating fans.

when they approach your house for the first time

Replace worn shower curtains.

and walk through each room. Ask your REALTOR® for advice; they know the marketplace and what helps a

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

home sell. Here are some tips to present your home

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

in a positive manner:

Clean household appliances and make sure they work properly.

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

C heck 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.

AZ Sellers Guide | 6

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:

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

C lear all clutter from counter tops.

L et the light in. Raise shades, open blinds, pull back the curtains and turn on the lights. et rid of odors such as tobacco, pets, cooking, etc., but don’t overdo air fresheners G or potpourri. Fresh baked bread and cinnamon can make a positive impact.

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

Close the windows to eliminate street noise.

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

C lean trash cans and put them out of sight.

I f 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.

K eep 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.

C heck that sink and tub are scrubbed and unstained.

M ake beds with attractive spreads.

Stash or throw out newspapers, magazines, junk mail.

AZ Sellers Guide | 7

AZ Sellers Guide | 8

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

AZ Sellers Guide | 9

The Life Of An Escrow THE BUYER

THE SELLER

THE ESCROW OFFICER

THE LENDER

Chooses a Real Estate Agent

Chooses a Real Estate Agent

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

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

Accepts Buyer’s offer to purchase.

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

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.

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

Schedules inspections and evaluates findings.

Reviews title commitment/ preliminary report.

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

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.

Documents are recorded and all proceeds from sale are received.

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!

AZ Sellers Guide | 10

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

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.

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 THIS CHART INDICATES WHO CUSTOMARILY PAYS WHAT COSTS

CASH

FHA

VA

CONV

BUYER

BUYER

BUYER

BUYER

1.

Downpayment

2.

Termite (Wood Infestation) Inspection (negotiable except on VA)

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.)

17.

Taxes

PRORATE

PRORATE

PRORATE

18.

Tax Impounds

BUYER

BUYER

BUYER

19.

Tax Service Contract

SELLER

SELLER

BUYER

20.

Fire/Hazard Insurance

21.

Flood Insurance

22.

Homeowners Association (HOA) Transfer Fee

23.

HOA/Disclosure Fee

24.

Current HOA Payment

25.

Next Month’s HOA Payment

26.

Home Warranty Premium (negotiable)

27.

REALTORS®’ Commissions

28.

EAGLE Homeowners Title Policy

29.

Lenders Title Policy and Endorsements

30.

Escrow Fee (NOTE: Charge seller on VA Loan)

31.

Recording Fees (Flat rate)

32.

Reconveyance/Satisfaction Fee

33.

Courier/Express Mail Fees

SELLER

SELLER PRORATE

BUYER

BUYER

BUYER

BUYER

BUYER

BUYER

BUYER

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 or 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

Note: Prorated items will appear on Closing Statement as charges for one and credits for the other.

AZ Sellers Guide | 11

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.

AZ Sellers Guide | 12

Your Escrow Professional May: O pen escrow and deposit good faith funds into an escrow account onduct a title search to determine the ownership and title status of the C real property eview the title commitment and begin the process of working with you R 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. oordinate with the buyer’s lender on the preparation of the Closing C Disclosure (CD) rorate fees, such as real property taxes, per the contract and prepare the P settlement statement et separate appointments allowing the buyer and seller to sign documents S and deposit funds eview documents and ensure all conditions are fulfilled and certain legal R requirements are met Request funds from buyer and buyer’s new lender hen all funds are deposited and conditions met, record documents with W the County Recorder to transfer the real property to the buyer fter recording is confirmed, close escrow and disburse funds, including A proceeds, loan payoffs, tax payments, and more Prepare and send final documents to all parties AZ Sellers Guide | 13

Understanding Title Insurance 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.

AZ Sellers Guide | 14

The Title Industry & Title Insurance in Brief

WHAT IS TITLE INSUR ANCE? 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 INSUR ANCE 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:

EAGLE

Compare First American’s Eagle Policy® for Owners

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

26

Rights under unrecorded leases

27

Plain language statements of policy coverage and restrictions

c) a charge by a homeowner’s association

28

Compliance with Subdivision Map Act

7

Title is unmarketable

29

Coverage for boundary wall or fence encroachment*

8

Mechanics lien

30

9

Forced removal of a structure because it:

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

a) a deed of trust b) a judgement, tax, or special assessment

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

ALTA Standard or CLTA

EAGLE

* 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 coverage 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.

AZ Sellers Guide | 15

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.

AZ Sellers Guide | 16

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 NEX T? 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.

AZ Sellers Guide | 17

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.

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.

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

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

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

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

AZ Sellers Guide | 18

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.

S KOLB RD

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520.529.0506 | Fax 520.529.8998 2890 E. Skyline Drive, Suite 200 Tucson, AZ 85718

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17 TANQUE VERDE W MOORE RD Summerhaven520.202.2626 | Fax 520.495.6151 14 R12 ITA ROAD NE RD 520.618.7790 | Fax 520.901.1720 7479 E. Tanque Verde W NARANJA DR o n AZ 85715 10222 East Rita Road, Suite 190 Tucson, H wy A R Tucson,13 AZ O85747

N 1ST AVE

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520.229.9194 | 520.297.2576 Fax 520.229.9210 | 520.742.5866 8500 N. Oracle77Rd., Suite 100 Oro Valley, AZ 85704

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W Tucker Rd

520.299.4606 | Fax 520.577.6993 4051 E Sunrise Dr., Suite 155 W Manville Rd Tucson, AZ 85718

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N Bea r Canyon Rd

S Garvey Rd

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S Shaw Rd

N SWAN RD S Swan Rd

S Cattle Tank Rd

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S Sandario Rd

Hearth Rd

N La Palma Rd

S SUNSHSINMEarBstLellar VD Rd

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S SANDARIO RD

S Curry Rd Ranch Rd W Gar c i a

S Garvey Rd

S Shaw Rd

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N Trico Rd N Trico Rd

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520.577.8707 | Fax 520.529.5034 1880 E. River Road, Suite 120 Tucson, AZ 85718

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N Luckett Rd

N Tweedy Rd

N Overfield Rd

N ANWAY RD

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N TRICO RD

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N PINAL AVE N Wat er

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520.747.1644 | Fax 2730 E. Broadway Blvd., Suite 100 Tucson, AZ 85716

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520.885.1600 | Fax 520.885.2309 6390 E. Tanque Verde Road 28685715 Tucson, AZ

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W VALENCIA RD

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1 M AIN OFFICE

E 22ND ST Air Force

W VALENCIA RD

W Hermans Rd

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W Ruby Star Dr

77

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W HELMET PEAK RD

Tanque Verde

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N F- 3

S Sunland Gin Rd

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W VALENCIA RD

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16 8 Casas W Bayard Rd Adobesush Rd 79 WB 77 3 5 15

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Willow Canyon

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W Earley Rd

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Casa Grande

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W Bartlett Rd

W MCCARTNEY RD

W NARANJA DR

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Summerhaven

NB

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AZ Sellers Guide | 19

For more information please contact your First American representative.

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