The Federal Bureau of Investigation @ https://www.fbi.gov/scams and safety
The undersigned acknowledges receipt of this Wire Fraud Advisory.
WIRE FRAUD ADVISORY
DO NOT TRUST EMAILS SEEKING PERSONAL/FINANCIAL INFORMATION
Immediately notify your banking institution and Settlement/Title Company if you are a victim of wire fraud.
PROTECT YOURSELF VERIFY AND NOTIFY
ONLINE RESOURCES:
TRUST YOUR SOURCE OF INFORMATION
The National White Collar Crime Center @ http://www.nw3c.org/research
The Internet Crime Complaint Center @ www.ic3.gov
• 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 CONTAINING WIRE INSTRUCTIONS
• If you receive an email requesting personal/financial information or asking you to download, click on a link, send, and/or do anything that may seem unusual to you, call your escrow officer immediately prior to acting on the suspicious email to verify the validity of the email.
• 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
Client Date Client Date
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.
There are many online sources that can provide useful information regarding similar topics including, but not limited to, the following sites:
On Guard Online @ www.onguardonline.gov
Before you wire funds to any party (including your lawyer, title agent, mortgage broker, or real estate agent) personally meet them or call a verified telephone number (not the telephone number in the email) to confirm before you act!
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.
IMPORTANT -- PLEASE READ CAREFULLY:
LIMITATION OF LIABILITY FOR INFORMATIONAL REPORTS
Data Provided By: American Title Ins Co
Subject Property 6042 N Indian Trl APN:AZTucson85750114-05-6860
© 2022 CoreLogic. All rights reserved
First
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.
Data Provided By: First American Title Ins Co
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.
Disclaimer
© 2022 CoreLogic. All rights reserved
Subject Property : 6042 N Indian Trl Tucson AZ 85750
Subdivision : Ventana Reserve
Owner Information
County : Pima, Az
Document # : 1550978
Census Tract / Block : 47.29 / 1
School District : Catalina Foothills
Prior Rec/Sale Date : 05/28/2019 / 05/21/2019
APN : 114-05-6860
Prior Sale Price : $975,000
Location Information
1st Mtg Term : 30
1st Mtg Amount/Type : $976,000 / Cnv
Prior 1st Mtg Amt/Type : $825,000 / Va
© 2022 CoreLogic. All rights reserved
Legal Lot : 13
Legal Book/Page : 61-32
Prior Sale Information
Sale Price : $1,220,000
Seller Name : Nelson Eric A & Adaora N
Mailing Address : 6042 N Indian Trl, Tucson AZ 85750-1140 C063
Recording/Sale Date : 06/04/2021 / 06/01/2021
Last Market Sale Information
Owner Name : Nabhan Dustin C / Lyn Katherine E
Prior Deed Type : Warranty Deed
Deed Type : Warranty Deed Price Per SqFt : $268.31
Township-Range- Sect : 13S-15E-8
Legal Description : Ventana Reserve Lot 13
1st Mtg Document # : 1550979
Map Reference : 08-13S-15E
Vesting Codes : / / Community Property Owner OccupiedIndicator : O
Munic/Township : Catalina Foothills
Title Company : Catalina Title Agcy
Customer Name : Kariann Keomaka
Customer Company Name : First American Title Insurance Company
Market Area : 12
Prepared On : 09/14/2022
Prior Doc Number : 1480732
Prepared On : 09/14/2022
Heat Type : Forced Air Quality : Good
Parking Type : Garage
Zoning : CR-1 Lot Size : 56,794
Property Information
Total Value : $769,629
Customer Company Name : First American Title Insurance Company
Living Area : 4,547
Roof Material : Tile Air Cond : Refrigeration
Total Rooms : 11
Tax Rate Area : 1600 Current ImprovementYearValue : $98,601
County Use : Single Fam Resurban Subd
Cooling Type : Forced Air Condition : Excellent
Land Use : Sfr
Tax Information
Year Built / Eff : 2008
© 2022 CoreLogic. All rights reserved
Exterior wall : Frame Wood Bath Fixtures : 14
Lot Acres : 1.30 State Use : Single Fam Resurban Subd
Property Tax : $9,483.54 Current YearValue :Total $98,651
Assessed Year : 2021 Market Value : $769,629 Current YearValue :Land $50
Property Characteristics
Gross Area : 4,547
# of Stories : 2
Capacity :Garage 4 Pool : Pool
Customer Name : Kariann Keomaka
Total TaxableValue : $76,963
Tax Year : 2021 Current AssessedYear : 2023
Patio Type : Covered Patio Pool Size : 450
1 5965 N Indian Trl 1,075,000 662,303 07/15/2022 5 3,898 70,132 1998 0.27 CR-1
S 6042 N Indian Trl 1,220,000 769,629 06/04/2021 5 4,547 56,794 2008 CR-1
Bldg/Living Area 4547 3898 5044 4358
2 7270 E CanyonVentanaDr 1,200,000 859,779 06/24/2022 5 3,905 31,942 1990 0.32 CR-4
Sales =
Year Built 2008 1990 1999 1995 Lot Size 56,794 19,446 70,132 41,914 6 2 1 2 1
Subject Property Low High Average
Customer Name : Kariann Keomaka
Distance From Subject 0 0.27 0.46 0.36
Stories
Prepared On : 09/14/2022
4 6371 N Canon Del Pajaro 1,717,000 959,997 05/11/2022 5 5,044 46,134 1999 0.46 CR-1
Sale Price $1,220,000 $1,075,000 $1,717,000 $1,348,000
Total Assessed Value $769,629 $662,303 $959,997 $843,675
Price Per Square Foot $268.31 $276 $340 $307.24
Sales Analysis
of Comparables # Address Sale Price TotalValueAssessed Sale Date Bed Bath Living Area Lot Size YearBuilt (Miles)Dist Zoning
Distressed
Name
© 2022 CoreLogic. All rights reserved
Criteria
Customer Company : First American Title Insurance Company
Summary
3 6254 N Desert Moon Loop 1,400,000 892,619 08/19/2022 7 4,583 19,446 1991 0.41 CR-1
BathroomsBedrooms 5 5 7
Name : Kariann Keomaka Customer Company Name : First American Title Insurance Company Prepared On : 09/14/2022 © 2022 CoreLogic. All rights reserved
Customer
Map
Year Built / Eff: 2008 / Rec. Date / Price: 06/04/2021 / $1,220,000 Living Area: 4,547
#1 5965 N Indian Trl Tucson Az 85750
Owner Name: Nabhan Dustin C /Lyn Katherine E APN / Alternate APN: 114-05-6860 / Deed Type: Warranty Deed
Customer Name : Kariann Keomaka
Year Built / Eff: 1990 / Rec. Date / Price: 06/24/2022 / $1,200,000 Living Area: 3,905
Land Use: Sfr Subdivision / Tract: Ventana Reserve / Lot Size: 56,794
# of units: Document #: 1550978 Bedrooms: Pool: Pool Total Tax Value: $769,629 Bath(F/H): /
Owner Name: Aronoff Gretchen Trust / APN / Alternate APN: 114-03-1880 / Deed Type: Warranty Deed Land Use: Sfr Subdivision / Tract: Ventana Canyon Estates / Lot Size: 31,942
#2 7270 E Ventana Canyon Dr Tucson Az 85750
# of units: Document #: 1750380 Bedrooms: Pool: Total Tax Value: $859,779 Bath(F/H): /
#3 6254 N Desert Moon Loop Tucson Az 85750
Year Built / Eff: 1991 / Rec. Date / Price: 08/19/2022 / $1,400,000 Living Area: 4,583
#4 6371 N Canon Del Pajaro Tucson Az 85750
Details of Comparables
Owner Name: Amanda R Genovese Revocable / APN / Alternate APN: 114-05-4900 / Deed Type: Warranty Deed Land Use: Sfr Subdivision / Tract: Ventana Canyon Estates / Lot Size: 19,446
Owner Name: Samii Jason /Yasrebi Mona APN / Alternate APN: 114-05-281A / Deed Type: Warranty Deed Land Use: Sfr Subdivision / Tract: Canyon View Estates / Lot Size: 46,134
Year Built / Eff: 1999 / Rec. Date / Price: 05/11/2022 / $1,717,000 Living Area: 5,044
Customer Company Name : First American Title Insurance Company Prepared On : 09/14/2022
© 2022 CoreLogic. All rights reserved
# of units: Document #: 1310616 Bedrooms: Pool: Total Tax Value: $959,997 Bath(F/H): /
# of units: Document #: 1960747 Bedrooms: Pool: Total Tax Value: $662,303 Bath(F/H): /
# of units: Document #: 2310197 Bedrooms: Pool: Pool Total Tax Value: $892,619 Bath(F/H): /
Subject Property: 6042 N Indian Trl Tucson Az 85750
Owner Name: Hann Gary M /Hann Rachel Z APN / Alternate APN: 114-05-015R / Deed Type: Warranty Deed Land Use: Sfr Subdivision / Tract: / Lot Size: 70,132
Year Built / Eff: 1998 / Rec. Date / Price: 07/15/2022 / $1,075,000 Living Area: 3,898
Subject Property : 6042 N Indian Trl Tucson AZ 85750 Customer Name : Kariann Keomaka Customer Company Name : First American Title Insurance Company Prepared On : 09/14/2022 © 2022 CoreLogic. All rights reserved
Customer Name : Kariann Keomaka
Prepared On : 09/14/2022
Customer Company Name : First American Title Insurance Company
© 2022 CoreLogic. All rights reserved
20
E Hemlock Dr BNearCanyonRdW E Camino Del Cerro E Fairmount St SSwanRd NFrontageRd W Emigh Rd W Fort Lowe Rd dSPNumptationR E Nona Rd Ch efButteRd Lo al Ave NTricoRd SCattleTankRd Evalyn Rd SOwlHeadRanchRdGasLineRd PSecanRd NTrcoRd W Bayard Rd dRSSandaro WillowSpringsRd N Dove Mountain Blvd
SHelvetiaRdUNIFIED N. Well Road, Ajo, AZ 85321 520.387.5618 VALLEY S. Sasabe Road, Tucson, AZ 85736 520.822.1484 W. Wetmore, Tucson, AZ 85705 520.696.5000 FOOTHILS E. River Road, Tucson, AZ 85718 520.209.7500 CONTINENTAL ELEMENTARY 1991 E. Whitehouse Canyon, Green Valley, AZ 85614 520.625.4581 FLOWING WELLS UNIFIED 1556 W. Prince Road, Tucson, AZ 85705 520.696.8800 MARANA UNIFIED 11279 W. Grier Road, Marana, AZ 85653 520.682.3243 PIMA COUNTY JTED 2855 W. Master Pieces Dr, Tucson, AZ 85741 520.352.5833 SAHUARITA UNIFIED W. Sahuarita Road, Sahuarita, AZ 85629 520.625.3502 SUNNYSIDE UNIFIED 2238 E. Ginter Road, Tucson, AZ 85706 520.545.2000
08
06
12
05249570321 AIRPORTINT'LTUCSON Air Force WSilverbellRd SSantaRitaRd NMtLemmon Hwy ESascoRd NF38 W Avra Valley Rd E Grand Va ey DrNAguirreRd dRkLNuce dRWNentzNWatermanMountainRd RdAnwayN W El Tiro Rd NTricoRd W Tucker Rd W Rudas l Rd W Manvi e Rd SSanJoaquinRdWBopp Rd W Snyder H l RddRSMarsear W Park Rd W Hermans RdW Hermans Rd W Guy St W Bush Rd SGaveyRd eaCNRinconado SWmoRd SShawRd SSierritaMountainRd SKobRdW TwinButtes Rd W Mcgee Ranch Rd ESstancaDr
11
30
350
UNIFIED 2101
51 ALTAR
39
13
01
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
WAnamax Mine Rd dRhRiGWacaanc Road424 WRagged Top Rd W Ruby Star Dr WBritten RanchRd W Pima Mine Rd S Mcgee RanchRd E Edw n Rd SGuildRd 80 NKINNEYRD SPICACHOHWYE BAUMGARTNER RD SNANDARIORDNANWAYRD W VALENCIA RD W MOORE RD W INA RD ESN1TAV E SUNRISE DR E SNYDER RDNSILVERBELLRD TRSNOLDIERLE RIVER RDE PRINCE RD E SPEEDWAY BLVD SFREEMANRDE 22ND ST E 22ND ST W IRVINGTON RD SNOGALESHWY W VALENCIA RDSMISSIONRDWSPEEDWAY BLVD SOLDSPANISHTRL W NARANJA DR W TWIN PEAKS RD W PICTURE ROCKS RD W MANVILLE RD SKINNEYRD W MILE WIDE RD E SAHUARITA RD NTRICORD OSSANDARRD PARK LINK DR SOLDNOGALESHWY GUOSHHTONRD ADCSLAANADRW HELMET PEAK RD WAJOHWY RNASNWD RDKOLBS SHOUGHTONRD W TANGERINE RD E GRANT RD SHOUGHTONRD 95 WAJOHWY E VALENCIA RD NORACLERD I-10 I-19 77 77 77 86 86 286 10 19 10 10 Corona de Tucson AdobesCasas Catalina Green Valley Oracle Picture Rocks Three Points VailSummit TanqueVerde SahuaritaTucson Red Rock Saddlebrooke Marana Oro Valley Rillito SummerhavenWillow Canyon Oracle Junction Cortaro Continental Littletown 20 30 13 15 51 39 12 01 01 08 10 16 11 06 PIMA COUNTY School District Information This map is provided for general location only. Please contact school districts for actual street boundaries SCHOOL DISTRICTS 15 AJO
EDesertDove
10 AMPHITHEATER UNIFIED 701
ELEMENTARY 10105
16 CATALINA
111
TANQUE VERDE UNIFIED 2300 N. Tanque Verde Loop, Tucson, AZ 85749 520.749.5751 TUCSON UNIFIED 1010 E. 10th Street, Tucson, AZ 85717 520.225.6000 VAIL UNIFIED 10701 E. Mary Ann Cleveland Way, Tucson, AZ 85747 520.879.2000
SchoolsArizona For detailed information and statistics on Arizona schools please go ©2021FirstFirsthttps://azreportcards.azed.gov/toAmericanTitleInsuranceCompany,andtheoperatingdivisionsthereof,makenoexpressorimpliedwarrantyrespectingtheinformationpresentedandassumenoresponsibilityforerrorsoromissions.American,theeaglelogo,FirstAmericanTitle,andfirstam.comareregisteredtrademarksortrademarksofFirstAmericanFinancialCorporationand/oritsaffiliates.FirstAmericanFinancialCorporationand/oritsaffiliates.Allrightsreserved.NYSE:FAF05117910421
School District : Catalina Foothills Unified District (4410)
Telephone : (520) 209-7700
Total Expenditure/Student : 101
Customer Name : Kariann Keomaka
Customer Company Name : First American Title Insurance Company
Lowest Grade : 6th
Ventana Vista Elementary School Distance 1.07 Miles 6085 N Kolb Rd Tucson AZ Telephone :85750(520) 209-8000
Highest Grade : 5th Kindergarten : Yes School Enrollment : Enrollment : 546
Total Expenditure/Student : 101
Total Expenditure/Student : 101
Canyon View Elementary School
Highest Grade : 5th Kindergarten : Yes School Enrollment : Enrollment : 430
Lowest Grade : K
Highest Grade : 8th Kindergarten : No School Enrollment : Enrollment : 620
© 2022 CoreLogic. All rights reserved
Public Schools :
Prepared On : 09/14/2022
Middle Schools
Elementary Schools
School District : Catalina Foothills Unified District (4410)
Distance 0.59 Miles 5725 N Sabino Canyon Rd Tucson AZ 85750
School District : Catalina Foothills Unified District (4410)
Telephone : (520) 209-8100
Lowest Grade : Pre-K
Esperero Canyon Middle School Distance 0.46 Miles 5801 N Sabino Canyon Rd Tucson AZ 85750
Culinary Support Services Llc 5359 N Cmino De La Cumbre Tucson Az (520) 299-9556 0.31
Madera Financial, Inc 5951 N Indian Trl Tucson Az (520) 325-2607 0.13
Club Pilates - Tucson, Llc 6872 E Sunrise Dr Ste 150 Tucson Az (520) 428-0130 0.91
Larocca's Pizza Inc 7287 E Grey Fox Ln Tucson Az (520) 299-6761 0.46
Name Address Telephone Distance (Miles)
Mary J. Marian, Pllc 6310 N Canon Del Pajaro Tucson Az (520) 299-2957 0.39
Arizona Community Physicians 6014 N Indian Trl Tucson Az (520) 327-9573 0.07
J Manuel Herrera Md Pc 5929 N Indian Trl Tucson Az (520) 722-7916 0.15
Bellissimo Salon & Day Spa, Llc 7251 E Desert Moon Loop Tucson Az (949) 350-6001 0.24
Name Address Telephone Distance (Miles)
Organizations / Associations
Local
Name Address Telephone Distance (Miles)
Customer Name : Kariann Keomaka
Health Care Services
Name Address Telephone Distance (Miles)
Ginza Ramen Llc 5684 N Avenida Silencioso Tucson Az (520) 344-9430 0.53
Banks / Financial
Name Address Telephone Distance (Miles)
Dance Force 5445 N Kolb Rd Ste 123 Tucson Az (520) 577-7100 0.97
AttractionsBusiness/Recreation
Jpmorgan Chase Bank, National Association 6960 E Sunrise Dr Tucson Az (520) 615-1848 0.84
Tucson Iands Experience Sharing 5751 N Kolb Rd Unit 29202 Tucson Az (520) 395-2365 0.79
Country Club Plaza, L.l.c. 6675 E Placita Alhaja Tucson Az (520) 577-7829 0.99
John G Carlson Phd 7661 E Canon De La Vis Tucson Az (520) 275-8255 0.37
Golf 60 5535 N Indian Trl Tucson Az (520) 615-4669 0.65
Eating / Drinking
Chr Inc 7060 E Stone Canyon Dr Tucson Az (520) 529-7128 0.91
Customer Company Name : First American Title Insurance Company Prepared On : 09/14/2022
© 2022 CoreLogic. All rights reserved
Customer Name : Kariann Keomaka
Gtx Personal Training North 6875 E Sunrise Dr Tucson Az (520) 577-1500 0.91
© 2022 CoreLogic. All rights reserved
Name Address Telephone Distance (Miles)
Shopping
Name Address Telephone Distance (Miles)
Sierra Fitness Health Clubs Of America Inc 5455 N Kolb Rd Tucson Az (520) 577-9000 0.96
Lindas Natural Food Inc 6952 E Cicada Ct Tucson Az (520) 326-0834 0.64
S.w.a.t. Glass Llc 6890 E Sunrise Dr Tucson Az (520) 591-9281 0.91
Bashas' Inc. 6900 E Sunrise Dr Tucson Az (520) 299-3378 0.89
Customer Company Name : First American Title Insurance Company Prepared On : 09/14/2022
Personal Services
I Love Kickboxing Tucson 6890 E Sunrise Dr Tucson Az (520) 389-8107 0.91
Varsity Supplements, Llc 5950 N Moccasin Trl Tucson Az (520) 885-4520 0.42
Yr Blt / Eff Yr Blt : 2007 / APN : 114-05-6850
Sale Date : 06/14/2019
Total Value : $705,256 Sale Price : $850,000
6028 N INDIAN TRL
Stories : 1 Living Area : 3,583
Subdivision : Ventana Reserve
Owner Name : Filer Matthew Scott
Recording Date : 07/22/2016
Land Use : Sfr Lot Acres : 1.40
6056 N INDIAN TRL Distance 0.02 Miles
Land Use : Sfr
Customer Name : Kariann Keomaka
Stories : 1 Living Area : 3,541
Recording Date : 12/21/2007
Total Value : $761,475 Sale Price : $963,000
Sale Date : 07/13/2016
Owner Name : Jellison Janell
Sale Date : 12/21/2007
Bed / Bath : / 5 Property Tax : $8,783.11
Total Value : $703,686 Sale Price : $1,073,336
Bed / Bath : / 5 Property Tax : $8,071.02
Owner Name : Allinder Bonita Revoc Tr 63.61
© 2022 CoreLogic. All rights reserved
Subdivision : Ventana Reserve
Recording Date : 06/28/2019
6014 N INDIAN TRL Distance 0.04 Miles
Subdivision : Ventana Reserve
Bed / Bath : / 5 Property Tax : $8,090.32
Distance 0.02 Miles
Stories : 2 Living Area : 4,547
Lot Acres : 1.28
Yr Blt / Eff Yr Blt : 2007 / APN : 114-05-6870
Customer Company Name : First American Title Insurance Company Prepared On : 09/14/2022
Lot Acres : 1.26
Yr Blt / Eff Yr Blt : 2008 / APN : 114-05-6840
Land Use : Sfr
Subdivision : Ventana Reserve
6084 N INDIAN TRL Distance 0.06 Miles
Bed / Bath : / 5
Total Value : $807,295 Sale Price : $935,000
Yr Blt / Eff Yr Blt : 2007 /
Recording Date : 12/15/2017
Owner Name : Zhang Zhenyu
Sale Date : 12/03/2007
Subdivision : Ventana Reserve
Bed / Bath : / 6 Property Tax : $9,347.72
Land Use : Sfr
Total Value : $703,686 Sale Price : $1,032,905
Yr Blt / Eff Yr Blt : 2008 / APN : 114-05-6900
Recording Date : 12/06/2007
Sale Date : 12/11/2017
Owner Name : Willenbrock Alan
Distance 0.04 Miles
7435 E QUIET MOUNTAIN PL Distance 0.07 Miles
Bed / Bath : / 4 Property Tax : $7,981.34
Land Use : Sfr Lot Acres : 1.33
Land Use : Sfr Lot Acres : 0.97
Stories : 1 Living Area : 3,546
Yr Blt / Eff Yr Blt : 2013 / APN : 114-05-7020
Yr Blt / Eff Yr Blt : 2007 / APN : 114-05-6880
Land Use : Sfr
Total Value : $696,411 Sale Price : $865,000
Sale Date : 10/24/2008
Owner Name : Maison Kathleen
6033 N INDIAN TRL Distance 0.08 Miles
6070 N INDIAN TRL
Lot Acres : 1.57
Property Tax : $8,507.70
Lot Acres : 1.01
© 2022 CoreLogic. All rights reserved
Recording Date : 08/30/2013
Bed / Bath : / 5 Property Tax : $8,071.02
Total Value : $739,134 Sale Price : $762,589
Stories : 1 Living Area : 3,583
Subdivision : Ventana Reserve
Customer Name : Kariann Keomaka
Stories : 1 Living Area : 3,541
APN : 114-05-6820
Stories : 1 Living Area : 4,334
Subdivision : Ventana Reserve Ii Sale Date : 08/02/2013
Recording Date : 11/21/2008
Owner Name : Togler Aaron H
Customer Company Name : First American Title Insurance Company Prepared On : 09/14/2022
Subdivision : Ventana Reserve
Stories : 1 APN : 114-05-009D
Sale Date : 03/06/2019
7455 E QUIET MOUNTAIN PL
Owner Name : Compton David E
Bed / Bath : / 5 Property Tax : $9,568.02
Customer Company Name : First American Title Insurance Company Prepared On : 09/14/2022
Recording Date : 03/08/2019
6098 N INDIAN TRL Distance 0.08 Miles
Yr Blt / Eff Yr Blt : 2008 / APN : 114-05-6890
Yr Blt / Eff Yr Blt : 2013 / APN : 114-05-7010
Recording Date : 01/21/1997
Subdivision : Ventana Reserve Ii
Customer Name : Kariann Keomaka
Stories : 1.5 Living Area : 4,547
Total Value : $695,712
Bed / Bath : / 5 Property Tax : $7,972.69
Owner Name : Blohm Willie E Iii
Total Value : $825,179
Lot Acres : 1.65
Land Use : Sfr
Stories : 1 Living Area : 3,541
Bed / Bath : / 5
Lot Acres : 1.50
Yr Blt / Eff Yr Blt : 1999 /
© 2022 CoreLogic. All rights reserved
Sale Date : 01/00/1997
Recording Date : 04/17/2008
Sale Price : $900,000
Sale Price : $159,500
Sale Date : 04/17/2008
Owner Name : Boccardi Thomas David
Total Value : $868,357 Property Tax : $10,100.07
Land Use : Sfr Living Area : 4,355
Land Use : Sfr Lot Acres : 0.95
Distance 0.08 Miles
6055 N SONORAN SKY PL Distance 0.09 Miles
Sale Price : $871,007
Customer Name : Kariann Keomaka
Customer Company Name : First American Title Insurance Company Prepared On : 09/14/2022
© 2022 CoreLogic. All rights reserved
No demographics data for selected property.
SITUS: 6042 N INDIAN TR PC MAIL: 6042 N INDIAN TRL
AFFIDAVIT 2021 1550978 06/04/2021
2021 TAX AMT TAX DUE INTEREST DATE PAID TOTAL DUE FIRST HALF 4,741.77 0.00 0.00 10/23/2021 0.00 SECOND HALF 4,741.77 0.00 0.00 05/28/2022 0.00
4,547
SEARCH PARAMETERS
PARCEL: 114-05-6860
PRIMARY 76,963 0 0 9.2233 1600 SECONDARY 50 76,913 0 3.0989 2021 TOTAL TAX BILLED 9,483.54
+ FIRST AMERICAN TITLE, FC0, KWAL PIMA, AZ 09/14/2022 10:24AM TCI1 INVESTIGATIVE SEARCH RESULTS PAGE 1 OF 1
PLAT: LOT 00013 BLOCK LEGAL: VENTANA RESERVE LOT 13
NUMBER OF STORIES 2.0
56,794 SQ FT STORIES HEIGHT 0 SCHOOL DISTRICT 1600 EXTERIOR WALLS FRAME WOOD LAND FULL CASH VALUE 502 GRADE MATERIALS IMPR FULL CASH VALUE 769,127 SALES SALE DATE SALE AMOUNT INSTRUMENT TYPE SELLER NAME VALIDITY 06/04/2021 1,220,000 2021 1550978 WD NELSON ERIC ANDRE ADAORA 05/28/2019 975,000 2019 1480732 WD H & E INVESTMENT GROUP LLC 06/03/2010 1,250,000 13822 426 WD SENNER GRANT/MICHELLE 06/05/2008 1,257,355 13321 1092 WD SCOTIA JOINT VENTURE L L P ADDITIONAL PROPERTY INFORMATION STANDARD LAND USE: SFR END SEARCH
OWNER: NABHAN DUSTIN & LYN KATHERI
IMPROVEMENTS
CURRENT TAXES INFORMATION THROUGH 07/28/2022 LAND IMPR EXEMPT RATE AREA SPECIAL DISTRICTS
INSTRUMENT REC DATE
FULL CASH VALUE 769,629 YEAR BUILT LAND USE 01 41 LOT SIZE
TOTAL CURRENT TAXES DUE 09/22 0.00 10/22 0.00 BYPASS BLDG SQFT
2008
PARCEL: 114-05-6860
ConditionsCovenants,&Restrictions
Thank you for the opportunity to be of service.
Restrictions indicating a preference, limitation or discrimination based on race, color, religion, sex, handicap, familial status, or national origin are hereby deleted to the extent such restrictions violate 42 USC 3604(c).
This information is furnished without fee and without benefit of a complete title search. No liability is assumed by First American Title or Title Security. If it is desired that liability be assumed, you may apply for a policy of title insurance with First American Title Insurance Company.
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to the Title & Escrow Process in Arizona Home Seller’s Guide
Southwest Gas www.swgas.com1.877.860.6020 Cox www.cox.com602.277.1000 Direct TV www.directv.com1.888.777.2454 Dish Network www.dishnetwork.com1.800.823.4929 CenturyLink www.centurylink.com800.366.8201 AT&T www.att.com1.800.222.0300 Verizon www.connecttoverizon.com1.877.300.4498 Salt River Project www.srpnet.com602.236.8888 APS www.aps.com602.371.7171 Your Escrow Number Your New City/State/ZipAddress Real Estate Agent Name Email Assistant Email Company Phone Address Fax Insurance CompanyPrevious Phone Previous Agent No.Policy New Company Phone New Agent No.Policy Home CompanyWarranty No.Policy First American Title Escrow Officer Email Escrow Assistant Email Address Phone City/State/Zip Fax 02 Quick Reference 03 Welcome 04 Benefits of Using a REALTOR ® 05 Key Professionals 06 Preparing Your Home for Sale 07 Staging Your Home for Show 09 Terms You Should Know 10 The Life of an Escrow 11 Closing Costs: Who Pays What 12 The Escrow Process 14 Understanding Title Insurance 16 Consider This 17 Closing Your Escrow 18 Planning Your Move Q uick Reference Table of Contents Utilities and Services
Welcome to the home-selling process. Throughout this process, you can count on First American Title to guide you smoothly through your transaction and provide expert answers to your questions. We are happy to serve you.
Count on First American Title
Count On Us For Convenience
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.
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.
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.
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
AZ Sellers Guide | 3
Count On Us For Stability
Count On Us For Service
Only you can determine whether you should attempt to sell your home—probably your largest investment—all alone. Talk with a REALTOR® before you decide. You may find working with a professional is a lot less expensive and much more beneficial than you ever imagined!
› Can help protect your rights, particularly important with the increasingly complicated real estate laws and regulations.
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.
- know how to determine whether or not a buyer can qualify for a loan?
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.
FOR SALE BY OWNER
- know how to advertise effectively and what the costs will be?
- aware that every time you leave your home, you are taking it off the market until you return?
› Can advertise effectively for the best results.
- know how to determine your home’s current market value?
› Maintains errors-and-omissions insurance.
- have arrangements with an escrow and title company, home warranty company, pest-control service and lender to assist you with the transaction?
› Knows how to go toe-to-toe in negotiations.
- aware of conditions in the marketplace today that affect value and length of time to sell?
- concerned about having strangers walking through your home?
A REALTOR ® :
- 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?
- understand the various types of loans buyers may choose and the advantages and disadvantages for the seller?
› Is always “on-call,” answering the phone at all hours, and showing homes evenings and weekends.
Are you...
AZ Sellers Guide |
› Is experienced with resolving problems to facilitate a successful closing on your home.
Benefits4 of using a Professional REALTOR ®
- have the knowledge, patience, and sales skills needed to sell your home?
› Will listen to your needs, respect your opinions and allow you to make your own decisions.
- aware that prospective buyers and bargain hunters will expect you to lower your cost because there’s no REALTOR® involved?
Do you...
› Knows how to price your home realistically, to give you the highest price possible within your time frame.
› Understands market conditions and has access to information not available to the average homeowner.
› Knows how to screen potential buyers and eliminate those who can’t qualify or are looking for bargain-basement prices.
› Is experienced in creating demand for homes and how to show them to advantage.
› Can remain objective when presenting offers and counter-offers on your behalf.
- familiar enough with real estate regulations to prepare a binding sales contract? Counter-offers?
- understand the steps of an escrow and what’s required of you and the buyer?
- prepared to give up your evenings and weekends to show your home to potential buyers and “just-looking” time wasters?
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.®
TITLE COMPANY
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.
LISTING AGENT
REAL ESTATE 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.
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.
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.®
REALTOR ®
ESCROW OFFICER
BUYER'S AGENT
The MLS is a database of properties listed for sale by REALTORS ® who are members of the local Association of REALTORS.® Information on an MLS property is available to thousands of REALTORS ®
MULTIPLE LISTING SERVICE (MLS)
Key Professionals Involved in Your Transaction
AZ Sellers Guide | 5
An escrow officer leads the facilitation of your escrow, including escrow instructions preparation, document preparation, funds disbursement, and more.
Remove any oil and rust stains from the driveway and garage.
Check stucco walls for cracks and discoloration.
Repair or replace loud ventilating fans. Replace worn shower curtains.
First impressions have a major impact on potential buyers. Try to imagine what potential buyers will see when they approach your house for the first time and walk through each room. Ask your REALTOR ® for advice; they know the marketplace and what helps a home sell. Here are some tips to present your home in a positive manner:
Make sure toilet seats look new and are firmly attached.
Repair or replace loose knobs on doors and cabinets. If doors stick or squeak, fix them.
Paint or replace the mailbox, if needed.
Ensure that all exterior lights are working.
Shampoo carpeting or replace if worn. Clean tile floors, particularly the caulking.
Clean and organize the garage, and ensure the door is in good working order.
Repair or replace worn shutters and other exterior trim.
Make your entry inviting: Paint your front door and buy a new front door mat.
Repair leaky faucets and caulking in bathtubs and showers.
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.
Make sure the front steps are clear and hazard-free. Make sure the doorbell works properly and has a pleasant sound.
Air conditioners/heaters, evaporative coolers, hot water heater should be clean, working and inspected if necessary. Replace filters.
Rearrange furniture to make rooms appear larger. If possible, remove and/or store excess furniture, and avoid extension cords in plain view.
If screens or windows are damaged, replace or repair them.
Mow and edge the lawn regularly, and trim the shrubs.
AZ Sellers Guide | 6
Brighten the appearance inside by painting walls, cleaning windows and window coverings, and removing sunscreens.
Remove clutter throughout the house. Organize and clean out closets.
Clean household appliances and make sure they work properly.
Inspect fences, gates and latches. Repair or replace as needed.
YOURFORPREPARINGSALEHOME
Close the windows to eliminate street noise.
Check that sink and tub are scrubbed and unstained.
If possible you, your pets, and your children should be gone while your home is being Cleanshown.trash
AZ Sellers Guide | 7
Make beds with attractive spreads.
Stash or throw out newspapers, magazines, junk mail.
Staging your home for Show
Keep everything clean. A messy or dirty home will cause prospective buyers to notice every flaw.
Clear all clutter from counter tops.
Keep the garage door closed and the driveway clear. Park autos and campers away from your home during showings
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.
To make the best impression, keep your home clean, neat, uncluttered and in good repair. Please review this list prior to each showing:
Send pets away or secure them away from the house, and be sure to clean up after them.
cans and put them out of sight.
Hang clean attractive guest towels in the bathrooms.
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.
AZ Sellers Guide | 8
An instrument used in many states in place of a mortgage.
Comparable Sales
Closing Disclosure (CD)
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.
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.
Lien
Legal Description
Close of Escrow
Consummation
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.
Deed Restrictions
The instrument by which real property is pledged as security for repayment of a loan.
Mortgage
Deed of Trust
Disbursement Date
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.
The borrower’s costs of the loan term expressed as a rate. This is not their interest rate.
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.
Hazard Insurance
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.
PITI
A payment that includes Principal, Interest, Taxes, and Insurance.
Settlement statement
Provides a complete breakdown of costs involved in a real estate transaction.
TRID
AZ Sellers Guide | 9
Recording
Impounds
Earnest Money Deposit
Endorsement
The recipient of benefits, often from a deed of trust; usually the lender.
Loan Estimate (LE)
Terms You Should Know
Sales that have similar characteristics as the subject real property, used for analysis in the appraisal. Commonly called “comps.”
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.
Easement
TILA-RESPA Integrated Disclosures
Annual Percentage Rate (APR)
An estimate of value of property resulting from analysis of facts about the property; an opinion of value.
Beneficiary
As to a title insurance policy, a rider or attachment forming a part of the insurance policy expanding or limiting coverage.
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.
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.
Power of Attorney
Filing documents affecting real property with the appropriate government agency as a matter of public record.
Generally the date the buyer becomes the legal owner and title insurance becomes effective.
Appraisal
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.”
Down payment made by a purchaser of real property as evidence of good faith; a deposit or partial payment.
A right, privilege or interest limited to a specific purpose that one party has in the land of another.
THE BUYER
Upon receipt of opening packages, orders demands for payoffs. Contacts buyer or seller when additional information is required for the title preliminarycommitment/report.
Underwritingapproval.reviews loan package for approval.
Schedules signing appointment and informs buyer of funds due at settlement.
Coordinatesconsummation.withlender on the preparation of the CD.
THE SELLER
Requests necessary information from buyers and sellers via opening packages.
Accepts Buyer’s application and begins the qualification process. Provides Buyer with Loan Estimate.
Chooses a Real Estate Agent
Makes offer to purchase. Upon acceptance, opens escrow and deposits earnest money.
THE LENDER
Finalizes loan application with Lender. Receives a Loan Estimate from Lender.
Coordinates with Escrow Officer on the preparation of the Closing Disclosure, which is delivered to Buyer at least 3 days prior to loan documents,UponDeliversconsummation.loandocumentstoescrow.reviewofsignedloanauthorizesloanfunding.
Upon receipt of order and earnest money deposit, orders title examination.
Reviews all documents, demands, and instructions and prepares settlement statements and any other required documents.
Chooses a Real Estate Agent
The Life Of An Escrow
THE ESCROW OFFICER
Collects information such as title commitment / preliminary report, appraisal, credit report, employment and funds verification. Reviews and requests additional information for final loan
Gets pre-approval letter from Lender and provides to Real Estate Agent.
Reviews title commitment / preliminary report.
Once loan is consummated, sends funding package to lender for review.
Accepts Buyer’s offer to openingCompletespurchase.andreturnspackagefromFirstAmericanTitle,includinginformationsuchasforwardingaddress,payofflendercontactinformationandloannumbers.Ordersanyworkforinspectionsand/orrepairstobedoneasrequiredbythepurchaseagreement.Escrowofficerorrealestateagentcontactsthesellertoschedulesigningappointment.Documentsarerecordedandallproceedsfromsalearereceived.
Orders and reviews title commitment / preliminary report, property appraisal, credit report, employment and funds verification.
Documents are recorded and funds are disbursed. Issues final settlement statement.
AZ Sellers Guide | 10
Completes and returns opening package from First American Title.
Prepares recording instructions and submits docs for recording.
All demands, invoices, and fees must be collected and sent to lender at least 10 days prior to loan
Schedules inspections and evaluates findings. Reviews title BuyerpriorlenderpaperworkProvidespreliminarycommitment/report.allrequestedtoLender(bankstatements,taxreturns,etc.)Allinvoicesandfinalapprovalsshouldbetothenolaterthan10daystoloanconsummation.Lender(orEscrowOfficer)preparesCDanddeliverstoatleast3dayspriortoloanconsummation.Escrowofficerorrealestateagentcontactsthebuyertoschedulesigningappointment.Buyerconsummatesloan,executessettlementdocuments,&depositsfundsviawiretransfer.Documentsarerecordedandthekeysaredelivered!
AZ Sellers Guide | 11 CASH FHA VA CONV 1. Downpayment BUYER BUYER BUYER BUYER 2. Termite (Wood Infestation) Inspection (negotiable except on VA) SELLER 3. Property Inspection (if requested by buyer) BUYER BUYER BUYER BUYER 4. Property Repairs, if any (negotiable) SELLER SELLER SELLER SELLER 5. New Loan Origination Fee (negotiable) BUYER BUYER BUYER 6. Discount Points (negotiable) BUYER BUYER BUYER 7. Credit Report BUYER BUYER BUYER 8. Appraisal or Extension Fee (negotiable) BUYER BUYER BUYER 9. Existing Loan Payoff SELLER SELLER SELLER SELLER 10. Existing Loan Payoff Demand SELLER SELLER SELLER SELLER 11. Loan Prepayment Penalty (if any) SELLER SELLER SELLER SELLER 12. Next Month’s PITI Payment BUYER BUYER BUYER 13. Prepaid Interest (approx. 30 days) BUYER BUYER BUYER 14. Reserve Account Balance (Credit seller / Charge buyer) PRORATE PRORATE PRORATE 15. FHA MIP, VA Funding Fee, PMI Premium BUYER BUYER BUYER 16. Assessments payoff or proration (sewer, paving, etc.) SELLER 17. Taxes PRORATE PRORATE PRORATE PRORATE 18. Tax Impounds BUYER BUYER BUYER 19. Tax Service Contract SELLER SELLER BUYER 20. Fire/Hazard Insurance BUYER BUYER BUYER BUYER 21 Flood Insurance BUYER BUYER BUYER 22. Homeowners Association (HOA) Transfer Fee BUYER or SELLER BUYER or SELLER BUYER or SELLER BUYER or SELLER 23. HOA/Disclosure Fee SELLER SELLER SELLER SELLER 24 Current HOA Payment PRORATE PRORATE PRORATE PRORATE 25. Next Month’s HOA Payment BUYER BUYER BUYER BUYER 26. Home Warranty Premium (negotiable) BUYER or SELLER BUYER or SELLER BUYER or SELLER BUYER or SELLER 27. REALTORS®’ Commissions SELLER SELLER SELLER SELLER 28. EAGLE Homeowners Title Policy SELLER SELLER SELLER SELLER 29. Lenders Title Policy and Endorsements BUYER BUYER BUYER 30. Escrow Fee (NOTE: Charge seller on VA Loan) SPLIT SPLIT SELLER SPLIT 31. Recording Fees (Flat rate) SPLIT SPLIT SPLIT SPLIT 32. Reconveyance/Satisfaction Fee SELLER SELLER SELLER SPLIT 33. Courier/Express Mail Fees SPLIT SPLIT SELLER SPLIT THIS CHART INDICATES WHO CUSTOMARILY PAYS WHAT COSTS Note: Prorated items will appear on Closing Statement as charges for one and credits for the other. Closing Costs: Who Pays What
The Escrow Process
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.
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
WHAT IS AN ESCROW?
HOW IS AN ESCROW OPENED?
Prepare and send final documents to all parties
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 Reviewpropertythetitle
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
Coordinate with the buyer’s lender on the preparation of the Closing Disclosure (CD)
AZ Sellers Guide | 13
Prorate fees, such as real property taxes, per the contract and prepare the settlement statement
Your Escrow Professional May:
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
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.
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.
WHAT IS TITLE INSURANCE?
WHY IS TITLE INSURANCE NEEDED?
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.
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.
The Title Industry & Title Insurance in Brief
AZ Sellers Guide | 14
Prior to the development of the title industry in the late 1800s, a home-buyer received a grantor’s warranty, attorney’s title opinion, or abstractor’s certificate as assurance of home ownership. The buyer relied on the financial integrity of the grantor, attorney, or abstractor for protection. Today, home-buyers look primarily to title insurance to provide this protection. Title insurance companies are regulated by state statute. They are required to post financial guarantees to ensure that any claims will be paid in a timely fashion. They also must maintain their own “title plants” which house duplicates of recorded deeds, mortgages, plats, and other pertinent county property Understandingrecords.
WHEN IS THE PREMIUM DUE?
33 Post-policy Living Trust coverage
14 Restrictive covenant violations
3 Forgery, fraud, duress in the chain of title
c) violates an existing zoning law*
29
a) a deed of trust
17 Post-policy damage from extraction of minerals or water
EAGLE
a) extends on another property and/or easement
19 Map not consistent with legal description
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.
32 Post-policy inflation coverage with automatic increase in value up to 150% over five years
16 Post-policy encroachment
23 Violation of building setback regulations
6 There is a lien on your title because there is:
31 Insurance coverage for a lifetime
Compare First American’s Eagle Policy® for Owners EAGLE StandardALTAorCLTA
20 Post-policy adverse possession
5 There are restrictive covenants
Compare First American’s Eagle Policy® for Owners
Protection from:
1 Someone else owns an interest in your title
10 Cannot use the land for a Single-Family Residence because the use violates a restriction in Schedule B or a zoning ordinance
18 Lack of vehicular and pedestrian access
21 Post-policy prescriptive easement
27
9 Forced removal of a structure because it:
AZ Sellers Guide | 15
30 Added ownership coverage leads to enhanced marketability
4 Defective recording of any document
b) violates a restriction in Schedule B
12 Unrecorded easements
24 Discriminatory covenants
11 Unrecorded lien by a homeowners association
13 Building permit violations*
26 Rights under unrecorded leases Plain language statements of policy coverage and restrictions
b) a judgement, tax, or special assessment
15 Post-policy forgery
Other benefits:
c) a charge by a homeowner’s association
StandardALTAorCLTA
8 Mechanics lien
7 Title is unmarketable
25 Pays rent for substitute land or facilities
28 Compliance with Subdivision Map Act Coverage for boundary wall or fence encroachment*
22 Covenant violation resulting in your title reverting to a previous owner
* Deductible and maximum limits apply. Not available to investors on 1- to 4-unit residential properties. Coverage may vary based on an individual policy.
2 A document is not properly signed
AZ Sellers Guide | 16
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.
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.
THE CLOSING OR SIGNING APPOINTMENT
DON'T FORGET YOUR IDENTIFICATION
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.
AZ Sellers Guide | 17
*For purposes of the Closing Disclosure“business day” is defined as every day except Sundays and Federal legal holidays.
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."
WHAT HAPPENS NEXT?
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.
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.
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.
Closing Your Escrow
THE CLOSING DISCLOSURE
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.
Prepare Floor Plan. Prepare floor plan for your new home. This will help avoid confusion for you and your movers.
Scan your furniture. Check furniture for scratches and dents before so you can compare notes with your mover on moving day.
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.
Packing materials. Gather moving boxes and packing materials for your move.
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.
Planning your move
ONE WEEK BEFORE:
Start packing. Begin packing for your new location.
. 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.
Change of address. Visit USPS for change of address form.
Discard unnecessary items Moving is a great time for ridding yourself of unnecessary items. Have a yard sale or donate unnecessary items to charity.
Create an inventory sheet of items to move.
Travel items. Set aside items you’ll need while traveling and those needed until your new home is established. Make sure these are not packed in the moving truck!
Service automobiles If automobiles will be driven long distances, you’ll want to have them serviced for a trouble-free drive.
Contact insurance companies. (Life, Health, Fire, Auto) You’ll need to contact your insurance agent to cancel/transfer your insurance policy. Do not cancel your insurance policy until you have and closed escrow on the sale.
AZ Sellers Guide | 18
Vacate your home. Make sure utilities are off, doors and windows are locked and notify your real estate agent you’ve left the property.
SIX WEEKS BEFORE:
ReviewDAY:thehouse
Borrowed and rented items. Return items which you may have borrowed or rented. Collect items borrowed to others.
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.
Note food inventory levels Check your cupboards, refrigerator and freezer to use up as much of your perishable food as possible.
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.
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.
Cancel services. Notify any remaining service providers (newspapers, lawn services, etc) of your move.
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.
Contact utility companies Set utility turnoff date, seek refunds and deposits and notify them of your new address.
FOUR WEEKS BEFORE:
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.
MOVING
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.
Changing Schools. If changing schools, contact new school for registration process.
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.
Protect jewelry and valuables. Transfer jewelry and valuables to safety deposit box so they can not be lost or stolen during your move.
AZ Sellers Guide | 19
Your Notes:
AZ Sellers Guide | 20
Your Notes:
AZ Sellers Guide | 21
Your Notes:
AZ Sellers Guide | 22
E Side Scottsdale/S of Lincoln
Sun City West, AZ 85375
11 DC CROSSING 18291480.563.9034N.Pima Rd , #145 Scottsdale, AZ 85255
N of Shea, E side of Tatum
12 AHWATUKEE 4435480.753.4424E.Chandler Blvd , #100 Phoenix, AZ 85048
W of Scottsdale Road, S side of Greenway
16 RED MOUNTAIN 1135480.534.3599N.Recker Rd., #103 Mesa, AZ 85205
SE corner of Recker & Brown
SE corner of Pima/Legacy
SW Corner Chandler Blvd./ Dobson Rd.
10 SCOTTSDALE FORUM 6263480.551.0480N.Scottsdale Rd., #110 Scottsdale, AZ 85250
5 ANTHEM 39508623.551.3265N.Daisy Mountain Dr., #128 Anthem, AZ 85086
NW corner of Williams Field Rd./ Val Vista Rd.
14648480.948.6488NScottsdale Rd., Ste. #100 Scottsdale, AZ 85254
NW corner of McDowell & Litchfield
W of R.H. Johnson
N of Meeker Blvd
16165623.487.0404N.83rd Ave , #100 Peoria, AZ 85382
1 4 3 2 6 12 10 5 8 7 11 9 CRISMON BUTTESIGNAL GOLDFIELD OLDWESTHWY SKINGSRANCH 14 17 15 13 16 ArizonaCentral First American Title Branch Locator
NE corner of Tom Darlington/ Carefree Dr.
13 CHANDLER PORTICO 2121480.777.0051W.Chandler Blvd., #215 Chandler, AZ 85224
N of Baseline / W of Stapley
3 ARROWHEAD
13940623.299.3644W.Meeker Blvd., #119
15 MESA 1630480.401.3738S.Stapley Dr., #123 Mesa, AZ 85204
9 KIERLAND COMMONS
E side 67th Ave/N of 101
NE corner Daisy Mtn Dr/ Gavilan Peak Pkwy
14 GILBERT SAN TAN 1528480.777.0614E.Williams Field Rd., #101 Gilbert, AZ 85295
17 GOLD CANYON 6877480.288.0883SouthKings Ranch Rd., #5 Gold Canyon, AZ 85118 E of South60/Side Kings Ranch Rd.
1 SUN CITY WES T
7 TATUM RIDGE 480.515 4369 11211 N Tatum Blvd, #A150 Phoenix, AZ 85028
2 GOODYEAR
1626623.936.8001N.Litchfield Rd. Ste. #170 Goodyear, AZ 85395
4 THE LEGENDS
6 BILTMORE 3200602.954.3644ECamelback Rd., #123 Phoenix, AZ 85018
8 CAREFREE 7202480.575.6609E.Carefree Dr , Bldg 1, #1 Carefree, AZ 85377
SW corner Chandler/45th St.
20241623.537.1608N.67th Ave , #A-2 Glendale, AZ 85308
NE Corner of Camelback/32nd Street
S of Bell/E side of 83rd Ave
E Hemlock Dr
WAnamax M ne Rd Road424 Ruby S ar D WBritten RanchRd Pima Mine Rd Mcgee RanchRd 80
W MOORE RD
SSwanRd
3 CAMBRIC 520.577.8707 | Fax 520.529.5034 1840 E. River Rd., Ste. 200 Tucson, AZ 85718
SNANDARIORD
W VALENCIA RD
NKINNEYRD
SHelvetiaRd
W Rd
ESsancaDr
HearthRd
TRSNOLDIERL
NGTON RD SNOGALESHWY W VALENCIA RDSMISSIONRDWSPEEDWAY BLVD SOLDSPANISHTRL W NARANJA DR W TW N PEAKS RD W P CTURE ROCKS RD W MANVILLE RD SKINNEYRD W MILE WIDE RD E SAHUARITA RD NTRICORD OSSANDARIRD SOLDNOGALESHWY GUOSHHTONRD ADCSLAANADRW HELMET PEAK RD WAJOHWY RNASNWD RDKOLBS SHOUGHTONRD W TANGERINE RD E GRANT RD SHOUGHTONRD 95 WAJOHWY E VALENCIA RD NORACLERD I-19 77 77 86 86 286 19 10 10 Corona de Tucson AdobesCasas Catalina Green Valley Picture Rocks Three Points VailSummit TanqueVerde SahuaritaTucson Marana Oro Valley Rillito SummerhavenWillow Canyon Cortaro Continental Littletown 2 3758 9 10 11 13 12 6 1 AZ Sellers Guide | 23
520.885.1600 | Fax 520.885.2309 6390 E. Tanque Verde Rd. Tucson, AZ 85715
W
S
ESN1TAV
W INA RD
W MOORE RD
WAnamax Mine Rd
Dr E
5 CASAS ADOBES
NSILVERBELLRD E RIVER RDE PRINCE RD
W IRV
Air Force WSilverbellRd SSantaRitaRd NMtLemmon Hwy ESascoRd W Avra Valley Rd E G and Va ey DrNAguirreRd dRkLNucet dRWNentzNWatermanMountainRd RdAnwayN W El Tiro Rd NTricoRd W Tucke Rd W Rudasi Rd W Manv l e Rd SSanJoaquinRdWBopp Rd W Snyder H RddRSMarstear W Park Rd W Hermans RdW He mans Rd W Guy St W Bush Rd SGarveyRd eaCNlRinconado SWimotRd SShawRd SSierritaMountainRd SKobRdW Tw nButtes Rd W Mcgee Ranch Rd ESstanca BNearCanyonRdW E Cam no De Cerro E Fairmount St SSwanRd NFrontageRd W Emigh Rd W Fort Lowe
3777 E. Broadway Blvd., Ste. 220 Tucson, AZ 85716
6 FOOTHILLS 520.299.4606 | Fax 520.577.6993 6262 N Swan Road, Suite 205 Tucson, AZ 85718
W
SLaPalmaRd
NFrontageRd Emigh Rd
12 SKYLINE 520.529.0506 | Fax 520.529.8998 2890 E. Skyline Dr., Ste. 200 Tucson, AZ 85718
E
10 RITA ROAD 520.618.7790 | Fax 520.901.1720 10222 East Rita Rd., Ste. 190 Tucson, AZ 85747
SHennessRd Selma Hwy Co nman Rd
A
GoffRanchRd
ed Top Rd W
520.229.9194 | 520.297.2576 Fax 520.229.9210 | 520.742.5866 8500 N. Oracle Rd., Ste 100 Oro Valley, AZ 85704
1 MAIN OFFICE
AIRPORTINT'LTUCSON Rd
dRSSandaro N Dove Mountain Blvd
E
WRagged Ruby S a Dr RanchRd Pima Mine Rd
11 RIVER 520.529.1944 | Fax 520.615.2945 1650 E. River Rd., Ste. 105 Tucson, AZ 85718
S
NKINNEYRD
7 GREEN VALLEY 520.625.1095 | Fax 520.958.9663 190 W. Continental Rd., Ste. 226 Green Valley, AZ 85622
NBarkervilleRd W Fort Lowe Rd dSPNumpationR E Nona Rd Ch efButteRd LovettaRd E Hanna Rd TecoloteRanchRd FlorenceRdRomeroRd Con nenta Ave BIA 30 NTricoRd SSunandGnRd SCattleTankRd E E s Rd E Hotts Rd E Nutt Rd Evalyn Rd SOwlHeadRanchRdGasLineRd PSecanRd I on Va ey RdEDeepWellRanchRd SNighSkySt SBadyPumpRdE Houser Rd E Ar ca Rd W Ea ey Rd NTrcoRd W Baya d Rd dRSSandario WillowSpringsRd EHelmwheel Ranch Rd N Dove Mounta n Blvd BIA-35 dRhRiGWarcaanc E Dese H s Rd WRagged Top Rd W Pima Mine Rd WSilverbellRdS E Edw n Rd BIA34 SGuildRd 80 NKINNEYRD SPICACHOHWYE GREENE RESERVOIR RD SSUNLANDGINRD W BATTAGLIA DR AZ-84 E BAUMGARTNER RD SSUNSHINEBLVD SNANDARIORDNANWAYRD E HARMON RD W VALENCIA RD E RODEO RD W MOORE RD W INA RD ESN1TAV E SUNRISE DR E SNYDER RDNSILVERBELLRD TRSNOLDIERLE RIVER RDE PRINCE RD E SPEEDWAY BLVD SFREEMANRDE 22ND ST E 22ND ST W IRV NGTON RD SNOGALESHWY W VALENC A RDSMISSIONRDWSPEEDWAY BLVD SOLDSPANISHTRL W NARANJA DR W TW N PEAKS RD W P CTURE ROCKS RD W MANVILLE RD SKINNEYRD W MILE WIDE RD E SAHUAR TA RD W HARMON RD W MCCARTNEY RD NTRICORD OSSANDARRD PARK LINK DR GUOSHHTONRD ADDR E MART N RD STHORNTONRD W HELMET PEAK RD SCHUICHURD WAJOHWY RNASNWD RDKOLBS SHOUGHTONRD W TANGER NE RD E GRANT RD SHOUGHTONRD NPINALAVE 95 WAJOHWY E VALENCIA RD NORACLERD I10 I-19 I8 77 77 79 77 77 87 86 86 387 287 86 10 19 8 10 10 10 La Palma Chuichu Arizona City Corona de Tucson AdobesCasas Catalina OracleDudleyvilleGrandeCasa Picture Rocks Three Points VailSummit TanqueVerde Eloy SahuaritaTucson Cactus Forest Picacho Red Rock Saddlebrooke Marana Oro Valley HaivanaNakya Rillito SummerhavenWillow Canyon Randolph Toltec Oracle Junction Cortaro Schuchk Littletown 2 4 385 9 10 11 13 12 6 1 AIRPORTINT'LTUCSON Air Force WSilverbellRd SSantaRitaRd NMtLemmon Hwy W Avra Valley Rd guirreRd dRkLNucet dRWNenzNWatermanMountainRd RdAnwayN W El Tiro Rd NTricoRd W Tucke Rd W Rudas Rd W Manv e Rd SSanJoaquinRdWBopp Rd W Snyder H RddRlSMarsear W Park Rd W Hermans RdW He mans Rd W Guy St W Bush Rd SGarveyRd eaCNlRnconado SWmoRd SShawRd SSierritaMountainRd SKobRdW TwinButtes Rd W Mcgee Ranch Rd BNearCanyonRdW E Cam no De Cerro E Fairmount St SSwanRd NFrontageRd W Emigh Rd W Fort Lowel Rd dSPNumptationR NNTricoRdTcoRd W Baya d Rd dRSSandaro N Dove Mountain Blvd SHelvetiaRd
W VALENC A RD
W INA RD ESN1TAV SUNR SE DR E SNYDER RD
W Bayard Rd
W es Curtis Rd
Pretzer
dRhRiGWacaanc
SNANDARIORDNANWAYRD
dRhRiGWarcaanc Road424
E SPEEDWAY BLVD SFREEMANRDE 22ND ST E 22ND ST
dSPNumptationR Cont nental Ave NTricoRd SOwlHeadGasLineRd NTricoRd
W Se ma Hwy
13 TANQUE VERDE 520.202.2626 | Fax 520.495.6151 7479 E. Tanque Verde Tucson, AZ 85715
E SUNRISE DR E SNYDER RDNSILVERBELLRD TRSNOLDIERLE RIVER RDE PRINCE RD E SPEEDWAY BLVD SFREEMANRDE 22ND ST E 22ND ST W IRVINGTON RD SNOGALESHWY W VALENCIA RDSMISSIONRDWSPEEDWAY BLVD SOLDSPANISHTRL W NARANJA DR W TWIN PEAKS RD W PICTURE ROCKS RD W MANVILLE RD SKINNEYRD W MILE WIDE RD E SAHUARITA RD NTRICORD OSSANDARIRD SOLDNOGALESHWY GUOSHHTONRD ADCSLAANADRW HELMET PEAK RD WAJOHWY RNASNWD RDKOLBS SHOUGHTONRD W TANGERINE RD E GRANT RD SHOUGHTONRD 95 WAJOHWY E VALENCIA RD NORACLERD I-10 I-19 77 77 86 86 286 19 10 10 Corona de Tucson AdobesCasas Catalina Green Valley Picture Rocks Three Points VailSummit TanqueVerde SahuaritaTucson Saddlebrooke Marana Oro Valley Rillito SummerhavenWillow Canyon Oracle Junction Cortaro Continental Littletown 2 3758 9 10 11 13 12 6 1 SouthernArizona First American Title Branch Locator AIRPORTINT'LTUCSON Air Force FreemanRd WSilverbellRd NMtLemmon Hwy ESascoRd NF38 W Avra Val ey Rd WSCuryRdHanna Rd E Grand Va ey D W Houser Rd W Ph ps Rd E Co nman Rd NAguirreRd dRkLNucet dRWNentzNWatermanMountainRd RdAnwayN W El Tiro Rd NTricoRd W Tucke Rd W Rudas Rd W Manv e Rd SSanJoaquinRdWBopp Rd W Snyde H RddRlSMarsear W Pa k Rd W He mans RdW Hermans Rd W Guy St W Bush Rd SGaveyRd eaCNllRinconado SWimotRd SShawRd SSierritaMountainRd boRdRd W Woodru Rd ONveriedRd W Rando ph Rd W BartlettNRdLaPamaRdNTweedyRd E Randolph Rd W Kleck Rd E K eck Rd
SLambRd
BNearCanyonRd
2 BROADWAY 520.747.1644 | Fax 520.747.1403
E Edw n Rd
W
E M
W E Cam no De Cerro Fairmount St
E
Top Rd W
9 ORO VALLEY/ORACLE
8 ORO VALLEY/LA CANADA 520.877.9200 | Fax 520.202.6348 11165 N. La Canada Dr., Ste. 143 Oro Valley, AZ 85737
STrekellRd
E M gan Rd gan Rd
WBritten
520.575.1900 | Fax 520.432.0168 6760 N. Oracle Rd., Ste. 100B Tucson, AZ 85704
W
EDesertDove
4 CASA GRANDE 520.426.4600 | Fax 520.426.4699 421 E. Cottonwood Ln. Casa Grande, AZ 85122
NANWAYRD
ellRdS Mcgee RanchRd 80
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