1286 Keystone Loop NE, Keizer, OR 97303

1286 Keystone Loop NE Keizer, OR 97303

TABLE OF CONTENTS Property Details Maps Local Schools Community Utilities & Resources Title & Escrow Covenants, Conditions & Restrictions

The information contained is provided by WFG’s Customer Service Department to our customers, and while deemed reliable, is not guaranteed.

PROPERTY DETAILS

1286 KEYSTONE LOOP NE KEIZER OR 97303 R320675 MARION COUNTY OR

Owner Information KENDRICK CARLEY J / KENDRICK SHELLY

Owner Name: Vesting: Mail Address:

1286 KEYSTONE LOOP NE KEIZER OR 97303

Owner Status:

OwnerOccupied

Location Information

Legal Desc:

FOREST RIDGE ESTATES PHASE 1, LOT 48, ACRES 0.15

County:

MARION

Census/Block: 002501 / 1007

Alt Parcel #

063W23DC07200R320675

School District: SALEM-KEIZER 24J

Tsp-Rng-Sec:

T06S-R3W-S23

Municipality:

Lot / Block:

Lot: Block:

Parcel #:

R320675

Housing Tract: FOREST RIDGE ESTATES PHAS Last Market Sale Date:

1999-07-21/

Lender:

PROFESSIONAL MORTGAGE INC

Sale Price:

191900

Loan:

120000

Document #: 1618.188

Document #:

Doc Type:

Loan Type:

$ Sqft:

$75.14

CONVENTIONAL

Loan Term:

Prior Sale Information Date:

/

Lender:

Price:

Loan:

Document #:

Document #:

Doc Type:

Loan Type:

The above is believed to be accurate, but is not guaranteed.

Copyright © 1995-2021 CDS Marketing, Inc.

1286 KEYSTONE LOOP NE KEIZER OR 97303 R320675 MARION COUNTY OR

Property Characteristics Gross Area:

3082

Garage Area:

Interior Wall

Living Area:

2554

Roof Shape:

Porch Type:

Above Grade: 3,082

Foundation:

Patio Type:

Bedrooms:

4

Roof Material:

Air Cond:

Bath (F/H):

2/1

Construction:

Fixtures:

Fireplace: Year Built:

Heat Type: 1999

Parking Type: Garage Units:

1

Basement:

CENTRAL

CENTRAL

Floor:

Cooling Type: CENTRAL

Equipment:

Exterior Wall:

Stories:

2

Rooms:

Pool:

No

Quality:

Condition:

Property Information Land Use:

SFR

County Use:

RESIDENTIAL IMPRO State Use:

R45

Zoning:

RS

Lot Acres:

0.1515

Lot Sqft:

6,600

Len/Wid:

/

Tax and Assessment Information Assd Year:

2020

Assd Value:

$431,570

Taxable Val:

$431,570

Tax Year:

2020

Land Value:

$95,000

Mkt Value:

$431,570

Tax Area:

92420210

Imp Value:

$336,570

Exemption:

Property Tax:

$4,662.80

Improved %:

78%

District:

The above is believed to be accurate, but is not guaranteed.

Copyright © 1995-2021 CDS Marketing, Inc.

1286 KEYSTONE LOOP NE KEIZER OR 97303 R320675 MARION COUNTY OR

Averages

Avg Bedrooms

Avg Bathrooms

Avg Sqft

Avg Price

Avg $Sqft

2016

2.00

3.20

2,573

$363,071

$141

2017

3.00

2.89

2,561

$330,750

$129

2018

2.00

3.00

2,430

$319,617

$132

2019

3.00

4.67

2,445

$403,300

$165

2020

4.00

3.00

2,591

$428,500

$165

Average Sale Price

$363,071

$403,300 $330,750

$319,617

2017

2018

2016

$428,500

2019

2020

$165

$165

2019

2020

Average $ Per Square Foot

$141

2016

$129

$132

2017

2018

The above is believed to be accurate, but is not guaranteed.

Copyright © 1995-2021 CDS Marketing, Inc.

1286 KEYSTONE LOOP NE KEIZER OR 97303 R320675 MARION COUNTY OR

Female Population

18,398

14.5%

14.1%

14.8%

15.0%

14.1%

13.5%

14.6%

14.3%

0-9

10-19

20-29

30-39

40-49

50-59

60-69

70+

Male Population

17,088

15.5%

0-9

19.1%

10-19

17.3%

15.6%

14.0%

13.5%

12.4%

9.9%

20-29

30-39

40-49

50-59

60-69

70+

Education

Employment

No Diploma: High School: Some College: Bachelor's Graduate's:

11.0% 24.7% 37.6% 18.5% 8.2%

Working Age:

30,017 67.5%

Labor Force: Median Income:

$64,587 94.8%

Employed: Unemployed:

The above is believed to be accurate, but is not guaranteed.

Copyright © 1995-2021 CDS Marketing, Inc.

5.2%

MAPS

ASSESSOR MAP

This map/plat is being furnished as an aid in locating described land in relation to adjoining streets, natural boundaries and other land, and is not a survey of the land depicted. Except to the extent a policy of title insurance is expressly modified by endorsement, if any, the company does not insure dimensions, distances, location of easements, acreage or other matters shown thereon.

STREET MAP

This map/plat is being furnished as an aid in locating described land in relation to adjoining streets, natural boundaries and other land, and is not a survey of the land depicted. Except to the extent a policy of title insurance is expressly modified by endorsement, if any, the company does not insure dimensions, distances, location of easements, acreage or other matters shown thereon.

AERIAL MAP

This map/plat is being furnished as an aid in locating described land in relation to adjoining streets, natural boundaries and other land, and is not a survey of the land depicted. Except to the extent a policy of title insurance is expressly modified by endorsement, if any, the company does not insure dimensions, distances, location of easements, acreage or other matters shown thereon.

CITY BOUNDARY MAP

This map/plat is being furnished as an aid in locating described land in relation to adjoining streets, natural boundaries and other land, and is not a survey of the land depicted. Except to the extent a policy of title insurance is expressly modified by endorsement, if any, the company does not insure dimensions, distances, location of easements, acreage or other matters shown thereon.

SCHOOLS

1286 KEYSTONE LOOP NE KEIZER OR 97303 R320675 MARION COUNTY OR

Salem-keizer Sd 24j Elementary Schools Optimum Learning Environment Charter School 7905 JUNE REID PL NE KEIZER OR 97303 Grades: 01 to 05 Charter School: Y Magnet School: U

503-399-5548 Area Desc: Suburb: Midsize Distance: 0.24 Miles Title One: N

Forest Ridge Elementary 7905 JUNE REID PL NE KEIZER OR 97303 Grades: KG to 05 Charter School: N Magnet School: U Middle Schools Whiteaker Middle School 1605 LOCKHAVEN DR NE KEIZER OR 97303 Grades: 05 to 08 Charter School: N Magnet School: U

503-399-5548 Area Desc: Suburb: Midsize Distance: 0.24 Miles Title One: N

Claggett Creek Middle School 1810 ALDER DR NE KEIZER OR 97303 Grades: 05 to 08 Charter School: N Magnet School: U High Schools McNary High 595 CHEMAWA RD N KEIZER OR 97303 Grades: 08 to 12 Charter School: N Magnet School: U

503-399-3701 Area Desc: Suburb: Midsize Distance: 3.15 Miles Title One: Y

Early College High 4071 WINEMA PL BLDG 50 SALEM OR 97305 Grades: 08 to 12 Charter School: N Magnet School: U

503-365-4801 Area Desc: Suburb: Midsize Distance: 4.35 Miles Title One: N

503-399-3224 Area Desc: Suburb: Midsize Distance: 1.71 Miles Title One: N

503-399-3233 Area Desc: Suburb: Midsize Distance: 2.49 Miles Title One: N

Your assigned school should be the first school in each category, but it is recommended you check with the district or school.

The above is believed to be accurate, but is not guaranteed.

Copyright © 1995-2021 CDS Marketing, Inc.

Salem-Keizer SD 24J 503-399-3000 | 2450 Lancaster Dr, Salem 97305 STUDENTS WE SERVE^

INTRODUCTION

41,770 Student Enrollment

The At-A-Glance School and District profiles tell a story about Oregon’s schools and districts. This year’s profiles do not include statewide assessments data, class size data, or attendance data as a result of the necessary statewide school closures and the implementation of Distance Learning for All. The profiles present all available data not impacted by the state’s response to COVID-19.

^Student enrollment as of October 1, 2019

DEMOGRAPHICS American Indian/Alaska Native Students: 1% Teachers: 1%

ACADEMIC SUCCESS

Asian Students: 2% Teachers: 2% Black/African American Students: 1% Teachers: 1% Hispanic/Latino Students: 42% Teachers: 9% Multiracial Students: 5% Teachers: 0% Native Hawaiian/Pacific Islander Students: 2% Teachers: <1% White Students: 46% Teachers: 87%

ON-TIME GRADUATION Students earning a diploma within four years. Cohort includes students who were first-time ninth graders in 2015-16 graduating in 2018-19.

District: 79%

Oregon Average: 80%

FIVE-YEAR COMPLETION Students earning a high school diploma or GED within five years.

District: 85%

Oregon Average: 86%

OUR STAFF (ROUNDED FTE) 112 Administrators 2,027 Teachers 1,114 Educational assistants 119 Counselors/Psychologists 7 Licensed Librarians 78% of licensed teachers with more than 3 years of experience

District website: www.salkeiz.k12.or.us For more information please visit: www.oregon.gov/ode/reports-and-data/ | Seismic Safety: www.oregongeology.org/sub/projects/rvs/activity-updates/status.html * Fewer than 10 students or data unavailable.

Institution ID = 2142

Salem-Keizer SD 24J 503-399-3000 | 2450 Lancaster Dr, Salem 97305 OUTCOMES On-Time Graduation and Five-Year Completion rates separated by student group.

ON-TIME GRADUATION

FIVE-YEAR COMPLETION

American Indian/Alaska Native: ......................................................... 70%

American Indian/Alaska Native: ......................................................... 77%

Asian: .................................................................................................. 92%

Asian: .................................................................................................. 94%

Black/African American: ..................................................................... 70%

Black/African American: ..................................................................... 78%

Hispanic/Latino: ................................................................................. 76%

Hispanic/Latino: ................................................................................. 82%

Multiracial: .......................................................................................... 82%

Multiracial: ......................................................................................... 88%

Native Hawaiian/Pacific Islander: ...................................................... 79%

Native Hawaiian/Pacific Islander: ...................................................... 75%

White: ................................................................................................. 81%

White: ................................................................................................. 88%

Free/Reduced Price Lunch: ................................................................. 75%

Free/Reduced Price Lunch: ................................................................ 82%

Ever English Learner: .......................................................................... 74%

Ever English Learner: .......................................................................... 80%

Students with Disabilities: .................................................................. 63%

Students with Disabilities: .................................................................. 71%

Migrant: .............................................................................................. 68%

Migrant: .............................................................................................. 75%

Talented and Gifted: .......................................................................... >95%

Talented and Gifted: .......................................................................... >95%

Female: ............................................................................................... 84%

Female: ............................................................................................... 88%

Male: .................................................................................................. 75%

Male: .................................................................................................. 83%

Non-Binary: Coming in 2021-22

Non-Binary: Coming in 2021-22

Forest Ridge Elementary School Grades: K-5 503-399-5548 | 7905 June Reid Pl NE, Keizer 97303 STUDENTS WE SERVE^ 281 Student Enrollment ^Student enrollment as of October 1, 2019

DEMOGRAPHICS American Indian/Alaska Native Students: 1% Teachers: 11%

Asian Students: 1% Teachers: 0%

Black/African American Students: <1% Teachers: 0%

Hispanic/Latino Students: 27% Teachers: 0%

Multiracial Students: 6% Teachers: 0%

INTRODUCTION The At-A-Glance School and District profiles tell a story about Oregon’s schools and districts. This year’s profiles do not include statewide assessments data, class size data, or attendance data as a result of the necessary statewide school closures and the implementation of Distance Learning for All. The profiles present all available data not impacted by the state’s response to COVID-19.

REQUIRED VACCINATIONS 96% OUR STAFF (ROUNDED FTE) 14 Teachers 14 Educational assistants <1 Counselors/Psychologists 90% Average Teacher retention rate 75% of licensed teachers with more than 3 years of experience No: Same principal for the last 3 years?

Native Hawaiian/Pacific Islander Students: 0% Teachers: 0%

White Students: 65% Teachers: 89%

School website: forestridge.salkeiz.k12.or.us For more information please visit: www.oregon.gov/ode/reports-and-data/ | Seismic Safety: www.oregongeology.org/sub/projects/rvs/activity-updates/status.html *Fewer than 10 students or data unavailable Institution ID = 3529

Whiteaker Middle School Grades: 6-8 503-399-3224 | 1605 Lockhaven Dr NE, Keizer 97303 STUDENTS WE SERVE^ 783 Student Enrollment ^Student enrollment as of October 1, 2019

DEMOGRAPHICS American Indian/Alaska Native Students: 1% Teachers: 5%

Asian Students: 2% Teachers: 0%

Black/African American Students: 1% Teachers: 0%

Hispanic/Latino Students: 28% Teachers: 5%

Multiracial Students: 6% Teachers: 0%

INTRODUCTION The At-A-Glance School and District profiles tell a story about Oregon’s schools and districts. This year’s profiles do not include statewide assessments data, class size data, or attendance data as a result of the necessary statewide school closures and the implementation of Distance Learning for All. The profiles present all available data not impacted by the state’s response to COVID-19.

REQUIRED VACCINATIONS 95% OUR STAFF (ROUNDED FTE) 35 Teachers 20 Educational assistants 2 Counselors/Psychologists 86% Average Teacher retention rate 82% of licensed teachers with more than 3 years of experience Yes: Same principal for the last 3 years?

Native Hawaiian/Pacific Islander Students: 1% Teachers: 0%

White Students: 62% Teachers: 90%

School website: whiteaker.salkeiz.k12.or.us For more information please visit: www.oregon.gov/ode/reports-and-data/ | Seismic Safety: www.oregongeology.org/sub/projects/rvs/activity-updates/status.html *Fewer than 10 students or data unavailable Institution ID = 770

McNary High School Grades: 9-12 503-399-3233 | 595 Chemawa Rd N, Keizer 97303 STUDENTS WE SERVE^

INTRODUCTION

2,069 Student Enrollment

The At-A-Glance School and District profiles tell a story about Oregon’s schools and districts. This year’s profiles do not include statewide assessments data, class size data, or attendance data as a result of the necessary statewide school closures and the implementation of Distance Learning for All. The profiles present all available data not impacted by the state’s response to COVID-19.

^Student enrollment as of October 1, 2019

DEMOGRAPHICS American Indian/Alaska Native Students: <1% Teachers: 1%

ACADEMIC SUCCESS

Asian Students: 1% Teachers: 0% Black/African American Students: 1% Teachers: 0% Hispanic/Latino Students: 36% Teachers: 4% Multiracial Students: 6% Teachers: 0% Native Hawaiian/Pacific Islander Students: 1% Teachers: 1% White Students: 54% Teachers: 94% REQUIRED VACCINATIONS

ON-TIME GRADUATION Students earning a diploma within four years. Cohort includes students who were first-time ninth graders in 2015-16 graduating in 2018-19

School: 91%

District: 79%

Oregon Average: 80%

FIVE-YEAR COMPLETION Students earning a high school diploma or GED within five years.

School: 93%

District: 85%

Oregon Average: 86%

OUR STAFF (ROUNDED FTE) 87 Teachers 27 Educational assistants 5 Counselors/Psychologists 88% Average Teacher retention rate 75% of licensed teachers with more than 3 years of experience Yes: Same principal for the last 3 years?

97%

School website: mcnary.salkeiz.k12.or.us For more information please visit: www.oregon.gov/ode/reports-and-data/ | Seismic Safety: www.oregongeology.org/sub/projects/rvs/activity-updates/status.html * Fewer than 10 students or data unavailable.

Institution ID = 772

McNary High School Grades: 9-12 503-399-3233 | 595 Chemawa Rd N, Keizer 97303 OUTCOMES On-Time Graduation and Five-Year Completion rates separated by student group.

ON-TIME GRADUATION

FIVE-YEAR COMPLETION

American Indian/Alaska Native: ......................................................... *

American Indian/Alaska Native: ......................................................... *

Asian: .................................................................................................. *

Asian: .................................................................................................. *

Black/African American: ..................................................................... *

Black/African American: ..................................................................... *

Hispanic/Latino: ................................................................................. 85%

Hispanic/Latino: ................................................................................. 93%

Multiracial: .......................................................................................... 85%

Multiracial: ......................................................................................... >95%

Native Hawaiian/Pacific Islander: ...................................................... *

Native Hawaiian/Pacific Islander: ...................................................... *

White: ................................................................................................. 94%

White: ................................................................................................. 93%

Free/Reduced Price Lunch: ................................................................. 89%

Free/Reduced Price Lunch: ................................................................ 90%

Ever English Learner: .......................................................................... 86%

Ever English Learner: .......................................................................... 91%

Students with Disabilities: .................................................................. 76%

Students with Disabilities: .................................................................. 83%

Migrant: .............................................................................................. 87%

Migrant: .............................................................................................. 77%

Talented and Gifted: .......................................................................... >95%

Talented and Gifted: .......................................................................... >95%

Female: ............................................................................................... 95%

Female: ............................................................................................... >95%

Male: .................................................................................................. 87%

Male: .................................................................................................. 91%

Non-Binary: Coming in 2021-22

Non-Binary: Coming in 2021-22

COMMUNITY

CITY OF KEIZER

36,478 POPULATION 2010 Census Data

MALE 48%

$45,052

FEMALE 52%

35.7

MEDIAN INCOME

MEDIAN AGE

2000 Census Data

2010 Census Data

Keizer is a city located in Marion County, Oregon, United States, along the 45th parallel. It lies in the Willamette Valley and is part of the Salem Metropolitan Statistical Area. The annual KeizerFEST, formally known as the Iris Festival, takes place in May and showcases Keizer's iris-growing industry. The festival was founded by Schreiner's Iris Gardens, one of the country's largest retail iris growers, and has been facilitated by the Keizer Chamber of Commerce since 1987. Events include a carnival, a beer garden, craft and food vendors, a 5k walk/run, a vintage car show, and a parade.

SCHOOL DISTRICTS 

Salem-Keizer

AGE DEMOGRAPHIC 2010 Census Data  

HOUSING

  

27.3% under age 18 8.1% between ages 18 to 24 26.6% between ages 25 to 44 24.7% between ages 45 to 64 13.3% above age 65

2010 Census Data  

61.5% of homes owner occupied 38.5% of homes rented

CITY QUICK FACTS 

POPULATION DENSITY 2010 Census Data  

5,145 inhabitants per sq. mile 14,445 housing units at an average density of 2,037.4 per sq. mile

    

14th largest city in the state of Oregon Recognized as the “Iris Capital of the World” 7.26 square miles 132 feet elevation Highest Average Temperature 83º Lowest Average Temperature 34º

The original settlement was at Keizer Bottom, near the banks of the Willamette River. The community was named after Thomas Dove Keizur, one of its first settlers. Somewhere in the translation of donation land claim records, his name was misspelled. The settlement suffered in the flood of 1861, and the inhabitants rebuilt their homes on higher ground. Further floods in 1943, 1945, 1946 and 1948 hampered the growth of the community, and it was not until dams were built in the 1950s to regulate the flow of the Willamette that Keizer began to flourish.

MARION COUNTY BASE MAP

Your Local Market Report Salem, OR 97303 REPORT FOR 4/9/2021 Single-Family Homes

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Single-Family Homes

Your Local Market Report WFG National Title Company | oregon.wfgnationaltitle.com

Salem, OR 97303

This week the median list price for Salem, OR 97303 is $419,900 with the market action index hovering around 92. This is an increase over last month's market action index of 90. Inventory has held steady at or around 17.

Real-Time Market Profile

Market Action Index This answers “How’s the Market?” by comparing rate of sales versus inventory.

50

40

Buyer's Market

60 70

$419,900

Per Square Foot

$209

Days on Market

14

Price Decreased

12%

Price Increased

6%

Relisted

29%

Inventory

17

Median Rent 90

92

100

ay Tod

M th on

10

Last

80

20

30

0

Seller's Market

Median List Price

Most Expensive

$774,900

Least Expensive

$181,800

Market Action

92

Strong Seller's Market

Strong Seller's Market

The market has been strong for several consecutive weeks. Reflecting these inventory conditions, with the MAI in the Seller’s zone, it is not surprising that prices have recently resumed their climb.

Market Segments Each segment below represents approximately 25% of the market ordered by price.

Median Price

Sq. Ft.

Lot Size

Beds

Bath

Age

New

Absorbed

DOM

$624,700

3,184

8,000 - 10,000 sqft

4

3

15

3

1

10

$550,000

2,849

8,000 - 10,000 sqft

4

2

24

2

3

7

$399,900

1,910

8,000 - 10,000 sqft

4

3

48

2

3

7

$304,000

1,442

8,000 - 10,000 sqft

3

1

60

1

1

70

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Single-Family Homes

Your Local Market Report WFG National Title Company | oregon.wfgnationaltitle.com

Salem, OR 97303

Median List Price

Price trends in this zip code continued their recent uptrend this week. While still below the market’s high point, we may be seeing the start of a good price stretch here. We’ll look at the Market Action Index later in the report to gauge the leading indicators. $450K

$400K

$350K

$300K

$250K

$200K

$150K Apr 2018

Aug 2018

Dec 2018

Apr 2019

Aug 2019

7-Day Average

Dec 2019

Apr 2020

Aug 2020

Dec 2020

Apr 2021

90-Day Average

Segments

In the quartile market segments, we see prices in most of this zip code trending higher in recent weeks but the high-end of the market (Quartile 1) is essentially flat. Look to the Market Action Index Quartile breakdown to see a leading indicator for each quartile. $800K

$600K

$400K

$200K

$0 Apr 2018

Aug 2018

Dec 2018

Apr 2019

Aug 2019

Dec 2019

First/Top 90-Day Second/Upper 90-Day Fourth/Bottom 90-Day

Apr 2020

Aug 2020

Dec 2020

Apr 2021

Third/Lower 90-Day

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Single-Family Homes

Your Local Market Report WFG National Title Company | oregon.wfgnationaltitle.com

Salem, OR 97303

Price Per Square Foot

The price per square foot is increasing fairly consistently recently despite the fact that overall price trends haven’t shown a consistent upwardly push. This can imply that investment conditions are opportunistic. Watch the Remodel Index for a more detailed analysis of the investment opportunity in the area. $250

$225

$200

$175

$150

$125

$100 Apr 2018

Aug 2018

Dec 2018

Apr 2019

Aug 2019

7-Day Average

Dec 2019

Apr 2020

Aug 2020

Dec 2020

Apr 2021

90-Day Average

Inventory

Inventory has been climbing lately. Note that rising inventory alone does not signal a weakening market. Look to the Market Action Index and Days on Market trends to gauge whether buyer interest is keeping up with available supply.

200

150

100

50

0 Apr 2018

Aug 2018

Dec 2018

Apr 2019

Aug 2019

7-Day Average

Dec 2019

Apr 2020

Aug 2020

Dec 2020

Apr 2021

90-Day Average

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4 of 6

Single-Family Homes

Your Local Market Report WFG National Title Company | oregon.wfgnationaltitle.com

Salem, OR 97303

Market Action Index

The market has been strong for several consecutive weeks. Reflecting these inventory conditions, with the MAI in the Seller’s zone, it is not surprising that prices have recently resumed their climb.

125

100

75

50

25

0 Apr 2018

Aug 2018

Dec 2018

Apr 2019

Aug 2019

7-Day Average

Dec 2019

Apr 2020

Aug 2020

Dec 2020

Apr 2021

90-Day Average

Market Action Segments

Not surprisingly, all segments in this zip code are showing high levels of demand. Watch the quartiles for changes before the whole market changes. Often one end of the market (e.g. the high-end) will weaken before the rest of the market and signal a slowdown for the whole group.

125

100

75

50

25

0 Apr 2018

Aug 2018

Dec 2018

Apr 2019

Aug 2019

Dec 2019

First/Top 90-Day Second/Upper 90-Day Fourth/Bottom 90-Day

Apr 2020

Aug 2020

Dec 2020

Apr 2021

Third/Lower 90-Day

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Single-Family Homes

Your Local Market Report WFG National Title Company | oregon.wfgnationaltitle.com

Salem, OR 97303

Median Days on Market (DOM)

The properties have been on the market for an average of 47 days. Half of the listings have come newly on the market in the past 10 or so days. Watch the 90-day DOM trend for signals of a changing market.

100

80

60

40

20

0 Apr 2018

Aug 2018

Dec 2018

Apr 2019

Aug 2019

7-Day Average

Dec 2019

Apr 2020

Aug 2020

Dec 2020

Apr 2021

90-Day Average

Segments

It is not uncommon for the higher priced homes in an area to take longer to sell than those in the lower quartiles.

250

200

150

100

50

0 Apr 2018

Aug 2018

Dec 2018

Apr 2019

Aug 2019

Dec 2019

First/Top 90-Day Second/Upper 90-Day Fourth/Bottom 90-Day

Apr 2020

Aug 2020

Dec 2020

Apr 2021

Third/Lower 90-Day

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1286 KEYSTONE LOOP NE KEIZER OR 97303 R320675 MARION COUNTY OR

Animal - Services Name

Address

Telephone

Distance

Williams, Jerry L DVM - Creek

5456 River Rd N

503-390-5222

1.93 Mi

Morris, Sheri DVM - Willamett

4975 River Rd N

503-393-7462

2.44 Mi

Girouard, Kim J DVM - Keizer

4815 River Rd N

503-393-3633

2.62 Mi

Emergency Veterinary Care

450 Pine St NE

503-588-8082

4.79 Mi

Mills, Arthur DVM - Companion

3068 Lancaster Dr NE

503-588-1603

4.80 Mi

Banks Name

Address

Telephone

Distance

West Coast Bank - Other Commu

7693 Wheatland Rd N

503-371-2671

0.42 Mi

Key Bank

2680 Jorie Ln NE

503-304-3070

1.80 Mi

Citibank Branded ATM

5550 River Rd N

800-627-3999

1.83 Mi

Washington Mutual - Bank Loca

5560 Inland Shores Way N

503-463-8643

1.86 Mi

Chase

5560 Inland Shores Way N

503-463-8643

1.86 Mi

Coffee Shops Name

Address

Telephone

Distance

Starbucks: Target Keizer T-21

6450 Keizer Station Blvd NE

503-856-0610

1.59 Mi

Starbucks: Keizer Station - K

2555 Jorie Ln NE

503-463-1044

1.80 Mi

Starbucks: Schoolhouse Square

5001 River Rd N

503-463-6570

2.39 Mi

Starbucks: Safeway-Keizer #15

4990 River Rd N

503-390-8810

2.42 Mi

Big Tree Northwest

4765 River Rd N

503-390-0077

2.67 Mi

Credit Unions Name

Address

Telephone

Distance

Unitus Community Credit Union

3820 Market St NE

503-566-0240

5.78 Mi

The above is believed to be accurate, but is not guaranteed.

Copyright © 1995-2021 CDS Marketing, Inc.

1286 KEYSTONE LOOP NE KEIZER OR 97303 R320675 MARION COUNTY OR

Credit Unions Name

Address

Telephone

Distance

Selco Community CU

3833 Commercial St SE

503-315-4300

9.08 Mi

Eating and Drinking Places Name

Address

Telephone

Distance

Hitching Post

8046 River Rd NE

503-393-1404

0.89 Mi

Parise's at McNary

165 McNary Estates Dr N

503-393-4111

1.43 Mi

Dairy Queen Brazier - Keizer

761 Lockhaven Dr NE

503-390-2262

1.80 Mi

Trinh's Cuisine

868 Crystal Springs Ln N

503-371-7401

1.91 Mi

Subway Sandwiches - Salem Cen

5462 River Rd N

503-390-6273

1.92 Mi

Golf Courses Name

Address

Telephone

Distance

McNary Golf Club

155 McNary Estates Dr N

503-393-4653

1.42 Mi

Auburn Center Golf Club

5220 Center St NE

N/A

7.02 Mi

Meadowlawn Golf Club

3898 Meadowlawn Loop SE

503-363-7391

7.74 Mi

Salem Golf Club

2025 Golf Course Rd S

503-363-6652

8.34 Mi

Cottonwood Lakes Golf Course

3225 River Rd S

503-364-3673

8.95 Mi

Grocers and Supermakets Name

Address

Telephone

Distance

Albertsons Supermarkets - Kei

5450 River Rd N

503-390-3922

1.93 Mi

Roth's Your Family Markets

5013 River Rd N

503-390-2039

2.38 Mi

Roth's Your Family Markets

5013 River Rd N

503-390-2039

2.38 Mi

Safeway Food & Drug - Keizer-

4990 River Rd N

503-390-8810

2.42 Mi

Roth's Food Ctr/Warehouse

4895 Indian School Rd NE

503-393-7684

2.43 Mi

The above is believed to be accurate, but is not guaranteed.

Copyright © 1995-2021 CDS Marketing, Inc.

1286 KEYSTONE LOOP NE KEIZER OR 97303 R320675 MARION COUNTY OR

Grocers and Supermakets Name

Address

Telephone

Distance

Health Clubs and Spas Name

Address

Telephone

Distance

Karate For Kids-Keizer

138 Chemawa Rd N

503-393-4330

2.41 Mi

Keizer Martial Arts

4790 River Rd N

503-390-7200

2.64 Mi

Northwest Jiu-Jitsu Judo Club

2072 Waconda Rd NE

503-393-6443

2.99 Mi

Shapes Express Fitness

4861 Lancaster Dr NE

503-856-9850

3.06 Mi

Gold's Gym

3850 River Rd N

503-390-4653

3.41 Mi

Hospitals Name

Address

Telephone

Distance

Oregon State Hospital

2600 Center St NE

503-945-2870

6.33 Mi

Hospitals - Acute Care Name

Address

Telephone

Distance

Salem Hospital

890 Oak St SE

503-561-2278

6.83 Mi

Nursing Homes Name

Address

Telephone

Distance

Avamere Court At Keizer

5210 River Rd N

503-393-3624

2.14 Mi

Sherwood Park Nursing & Rehab

4062 Arleta Ave NE

503-390-2271

3.27 Mi

Windsor Health & Rehabilitati

820 Cottage St NE

503-399-1135

5.89 Mi

Tierra Rose Care Center

4254 Weathers St NE

503-585-4602

6.18 Mi

Avamere Rehabilitation Of Sal

4120 Kurth St S

503-581-8667

9.65 Mi

Offices and Clinics of Chiropractors Name

Address

Telephone

Distance

Weaver, David S DC - Keizer C

5845 Shoreview Ln N

503-390-5552

1.70 Mi

Cooper, Carol A DC - Carol A

4951 River Rd N

503-393-6071

2.47 Mi

The above is believed to be accurate, but is not guaranteed.

Copyright © 1995-2021 CDS Marketing, Inc.

1286 KEYSTONE LOOP NE KEIZER OR 97303 R320675 MARION COUNTY OR

Offices and Clinics of Chiropractors Name

Address

Telephone

Distance

Freeman, Herbert S DC - Freem Mc Fie, Tomas P DC - West Coa

4747 River Rd N

503-393-3133

2.69 Mi

1124 Lancaster Dr NE

503-581-9200

6.18 Mi

Gasser, David A DC - Pacific

1544 Commercial St SE

503-362-7064

7.40 Mi

Offices and Clinics of Dentists Name

Address

Telephone

Distance

Keizer Denture Ctr

4785 River Rd N

503-393-0734

2.65 Mi

Lady-jean M Ramsey

4754 River Rd N

503-393-6286

2.66 Mi

Lisa M Gitelson

4734 River Rd N

503-390-4117

2.67 Mi

Marc T Iwahiro

4600 River Rd N

503-393-2264

2.80 Mi

Gerald Ellis Anderson

3975 River Rd N #5

503-393-9106

3.29 Mi

Telephone

Distance

Offices and Clinics of Medical Doctors Name Address Allo Dental Inc.

836 Harbor Ln NE

503-434-4688

0.32 Mi

Boline Chiropractic Clinic

7811 35th Ave NE

503-393-0321

1.31 Mi

Fleetwood, Larry DC - Fleetwo

115 McNary Estates Dr N

503-363-8479

1.40 Mi

Harry's Dental Lab

6231 11th Ave NE

503-393-0272

1.42 Mi

Keefer Hutchis, Marcey L - Va

5955 Shoreview Ln N

503-463-4221

1.66 Mi

Pharmacies Name

Address

Telephone

Distance

Boline Chiropractic Clinic, L

7811 35th Ave NE

503-393-0321

1.14 Mi

America's Best Contacts & Eye

6375 Ulali Dr

503-428-5096

1.61 Mi

T-mobile

6450 Keizer Station Blvd NE

503-856-0601

1.65 Mi

The above is believed to be accurate, but is not guaranteed.

Copyright © 1995-2021 CDS Marketing, Inc.

1286 KEYSTONE LOOP NE KEIZER OR 97303 R320675 MARION COUNTY OR

Pharmacies Name

Address

Telephone

Distance

Aspen Dental Of Oregon Pc Albertsons

2535 Jorie Ln NE

503-463-4000

1.82 Mi

5450 River Rd N

503-390-3922

1.95 Mi

Places of Religion Name

Address

Telephone

Distance

Encountering Bible LLC Keizer Clearlake United Mthds

1286 Keystone Loop NE

503-304-5186

0.01 Mi

7920 Wheatland Rd N

503-393-2402

0.40 Mi

Northside Fellowship

7685 River Rd NE

503-393-0168

0.53 Mi

St Timothy's Episcopal Church

PO Box 7416

Keizer Christian Church

6945 Wheatland Rd N

Retirement Communities Name

Address

Willamette Lutheran Retiremen

7693 Wheatland Rd N

Willamette Lutheran Retiremen

7693 Wheatland Rd N

503-393-1491

0.43 Mi

River Road Assisted Living Co

592 Bever Drive Northeast Ofc

503-463-4060

2.85 Mi

Cedar Village

4452 Lancaster Dr NE

503-390-9600

3.58 Mi

Spruce Villa Inc - Glynbrook

523 Glynbrook St N

503-463-1803

3.68 Mi

Veterinary - Emergency Services Name

Address

Telephone

Distance

Oak Hills Veterinary Clinic &

1212 Wallace Rd NW

503-581-8161

5.72 Mi

Anderson, Shawnette DVM - Fou

159 Lancaster Dr NE

503-399-1363

7.24 Mi

VCA Salem Animal Hospital

4053 Commercial St SE

503-587-9950

9.27 Mi

Veterinary - Medicine Name

Address

Telephone

Distance

N/A

0.53 Mi

503-393-6843

0.91 Mi

Telephone

Distance

866-341-5396

0.43 Mi

The above is believed to be accurate, but is not guaranteed.

Copyright © 1995-2021 CDS Marketing, Inc.

1286 KEYSTONE LOOP NE KEIZER OR 97303 R320675 MARION COUNTY OR

Veterinary - Medicine Name

Address

Telephone

Distance

Banfield the Pet Hospital Planned Parenthood

2925 Lancaster Dr NE

503-581-5899

4.91 Mi

3825 Wolverine St NE

503-363-8732

5.21 Mi

Michael Archangel

1725 Capitol St NE

503-581-2229

5.35 Mi

Lipscomb, DVM, Christine - Or

1205 Capitol St NE

503-585-1616

5.66 Mi

Salem Pregnancy Resource Cent

2630 Market St NE

503-364-2464

5.67 Mi

The above is believed to be accurate, but is not guaranteed.

Copyright © 1995-2021 CDS Marketing, Inc.

UTILITIES & RESOURCES

MARION COUNTY UTILITIES Emergency/Police/Medical/Fire 911 Poison Control (800) 222-1222 www.aapcc.org United States Postal Service (800) 275-8777 www.usps.com Xfinity (800) 266-2278 www.xfinity.com Frontier Communications (800) 921-8101 www.frontier.com Verizon (800) 483-4100 www.verizon.com AT&T (800) 288-2020 www.att.com Dish Network (800) 318-0572 www.dish.com DIRECT TV (800) 531-5000 www.directtv.com

The Oregonian (503) 221-8240 www.oregonlive.com TRI-MET (503) 238-7433 www.trimet.org Northwest Natural Gas (800) 422-4012 www.nwnatural.com Portland General Electric (503) 228-6322 www.portlandgeneral.com City of Woodburn Sewer (503) 982-5222 www.woodburn-or.gov City of Woodburn Water (503) 982-5222 www.woodburn-or.gov Republic Services (503) 981-1278 www.republicservices.com Woodburn Refuse Disposal site (503) 981-4117 www.co.marion.or.us Woodburn School District (503) 981-9555 www.woodburnsd.org City Of Hubbard Utilities (503) 981-9633 www.cityofhubbard.org

CHANGE OF ADDRESS USPS Below is the website if you would like to change your address online or you can visit your local post office, they will provide you with the change of address packet.

https://moversguide.usps.com Benefits you will receive when you change your address online are:  Exclusive mover savings coupons  Safe and secure with identity verification by a simple $1.00 charge to your

credit or debt card

 Email confirmation at the end of registration of your change of address * Must have valid email address and credit card to register online.

DMV Below is the website if you would like to change your address online or you can fill out the paperwork provided and mail back to DMV at: Oregon Department of Transportation DMV Services 1905 Lana Avenue NE Salem, OR 97314-0100

www.oregondmv.com/online/index.htm General DMV Information Contact: (503) 299-9999

VOTER REGISTRATION Below is the website if you would like to change your address online or you can fill out the paperwork provided and mail it back to your County Elections Office listed below.

www.oregonvotes.org/votreg/vreg.htm County Elections Office Contacts Clackamas County 825 Portland Avenue Gladstone, OR 97027 (503) 655-8510 Multnomah County 1040 SE Morrison Street Portland, OR 97214 (503) 988-3720 Washington County 3700 SW Murray Blvd., Ste 101 Beaverton, OR 97005 (503) 846-5800

MOVING CHECKLIST UTILITIES  Electric  NW Natural Gas  Water District  Sewer District  Garbage Provider  Cable/Satellite  Fuel (Propane)  Phone Services  Internet FINANCIAL INSTITUTIONS  Banks and Credit Unions  Credit Card Companies (including department store credit cards)  Lenders (Mortgage, Home Equity, Auto, Student Loans)  Insurance Companies (Health, Renters, Auto, Home, Medical, Dental, Disability, Life)  Retirement (Pension plans, 401K, Social Security, Veterans Affairs)  Investments (Investment Agencies and Brokers)  Online Bill Payer  Paypal GOVERNMENT OFFICES  US Post Office  Department of Motor Vehicles (Obtain your driver’s license and change vehicle registration)  IRS  Passport Office  Veteran Affairs  Unemployment Office (If you are currently receiving unemployment benefits)

HEALTH  Physician  Pharmacies SERVICE PROVIDERS  Childcare  Housecleaning Services  Delivery Services  Lawn Care Services  Veterinarian  Pool Service MEMBERSHIPS  Health Clubs  Membership Clubs (AAA or similar)  Community Groups (PTA, Neighborhood Associations, Civic Clubs)  Children’s Extracurricular Activities (Dance Classes, Music Lesson, Sports Clubs) SUBSCRIPTIONS  Newspapers  Magazine (USPS will only forward 2 months)  Movie Subscriptions (Netflix, Blockbuster, etc)  Book or Music Clubs OTHER  Friends and Family  Employers (typically notify the Human Resources Department)

MOVING CHECKLIST 8 WEEKS BEFORE YOUR MOVE  Inventory Sheets: Create an inventory sheet of all your belongings which need to be moved  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 Quote: Solicit moving quotes from as many moving companies and movers as possible. There can be a large difference between rates and services within moving companies.  Discard Unnecessary Items: Moving is a great time for ridding yourself of unnecessary items. Have a yard sale or donate unnecessary items to charity.  Packing Material: Gather moving boxes and packing material for your move.  Contact Insurance Companies: You’ll need to contact your insurance agent to cancel/transfer your insurance policy.

4 WEEKS BEFORE YOUR MOVE  Start Packing: Begin packing all things destined for your new location.  Obtain Your Medical Records: Contact your doctor, physician, dentist 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 if changing. Security is critical of personal records.  Note Food Inventory Levels: Check your cupboards, refrigerator and freezer. Use up as much of your perishable food as possible.  Small Engines: Service small engines for your move by extracting gas and oil from the machines.

This will reduce that chance to catch fire during your move.  Protect Jewelry and Valuables: Transfer your jewelry and valuables to a safety deposit box; you don’t want them to 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.

1 WEEK BEFORE YOUR MOVE  Your Change of Address: Change your address with the USPS, DMV, Financial Institutions, Utilities, Government Offices, Health Care Service Providers, Memberships, Subscriptions and Insurance Provisions.  Bank Accounts: Transfer or close bank accounts if changing banks. Make sure to have a money order for paying the moving company.  Service Automobiles: If automobiles are to be driven long distance, you’ll want to have them serviced so you have a trouble-free drive.  Cancel Services: Notify any remaining service providers (newspapers, lawn services, etc.) of your move.  Travel Items: Set aside all items you’ll need while traveling. Make sure these are not packed on the moving truck..  Contact Utility Companies: Set utility turnoff date, seek refunds and deposits and notify them of your new address.

MOVING DAY  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 a sitters for the day.  Review the House: Once the house is empty, check the entire house (closets, attic, basement, etc.) to ensure no items are left or no home issues exist.  Double Check With Your Mover: Ensure the mover has the new property address and all of your most recent 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 vacated the property.  Questions To Ask: Where is the garage door opener? Where are the keys to the house, mailbox and other lockable area? Did you retrieve all keys from neighbors and friends?

MOVING RESOURCES THE HOME DEPOT (800) 466-3337 www.homedepot.com Beaverton (503) 469-4242 4401 SW 110th Ave. Beaverton, OR 97005 S. Beaverton (503) 646-1525 13700 NW Science Pk. Dr. Portland 97229 Clackamas (503) 774-6372 9300 SE 82nd Ave. Happy Valley, OR 97086 Hillsboro (503) 693-9090 1950 SE Minter Bridge Rd. Hillsboro 97123 Jantzen Beach (503) 289-9200 1728 N Tomahawk Island Dr. Portland 97217 Oregon City (503) 723-3181 2002 Washington St. Oregon City, OR 97045 E. Portland (503) 261-8543 10120 SE Washington St. Portland 97216 NE Portland (503) 252-0188 11633 NE Glen Widing Dr. Portland 97220 Sherwood (503) 925-8447 20260 SW Pacific Hwy. Sherwood, OR 97140 Tigard (503) 639-3500 14800 SW Sequoia Parkway Tigard 97224

THE HOME DEPOT CONTINUED...

MOVING TRUCK RENTALS

Troutdale (503) 674-3944 25101 SE Stark St. Troutdale, OR 97060

Budget (800) 462-8343 www.budgettruck.com

LOWES (800) 466-3337 www.lowes.com Hillsboro (503) 844-6200 1951 SE 24th Ave. Hillsboro, OR 97123 Milwaukie (503) 794-2500 13631 SE Johnson Rd. Milwaukie 97222 Portland (503) 737-3000 1160 N Hayden Meadows Dr. Portland 97217 Tigard (503) 624-2644 12615 SW 72nd Ave. Tigard, OR 97223 Wood Village (503) 667-1005 1000 NE Wood Village Blvd.

Wood Village, OR 97060 DONATION FACILITIES Goodwill (800) 741-0186 locator.goodwill.org The Salvation Army (800) 958-7825 www.salvationarmyusa.org Value Village (800) 958-7825 www.valuevillage.com

Penske (888) 996-5415 www.pensketruckrental.com Ryder (800) 297-9337 www.ryder.com U-Haul (800) 468-4285 www.uhaul.com STORAGE COMPANIES NW Self Storage www.nwselfstorage Public Storage (800) 906-0879 www.publicstorage.com Pods (888) 309-8967 www.pods.com TRANSFER STATIONS Garbage/Recycling Metro Center (503) 234-3000 www.oregonmetro.gov 6161 NW 61st Ave. Portland, OR 97210 Metro South (503) 234-3000 www.oregonmetro.gov 2001 Washington St. Oregon City, OR 97045

RESOURCE GUIDE ANIMAL CONTROL Humane Society of the Willamette Valley 503-585-5900 4246 TURNER RD SE SALEM Biting, Cruelty, Dead, Injured, Loose Marion County, Animal Control 503-588-5366 CABLE COMPANIES Comcast Cable Services 888-824-8264 Country Cablevision LTD (Salem) 503-588-8247 Uvision / Willamette Broadband (Stayton) 503-767-4443 Willamette Broadband (Woodburn) 503-982-4085 COUNTY & GOVERNMENT NUMBERS Adult Family Services 503-378-2731 Better Business Bureau 503-226-3981 Business Information 503-986-2222

DMV http://egov.oregon.gov/ODOT/DMV/ North Salem 503-378-8041 South Salem 503-378-8041 Dallas 503-623-4556 Woodburn 503-982-9961 Stayton 503-769-4427 Albany 541-967-2014 Corvallis 541-757-4191 Lebanon 541-451-1145 ELECTRIC COMPANIES Portland General Electric Co 503-399-7717 800-544-1795 Pacific Power 888-221-7070

Children Services 503-378-6704

GAS COMPANIES

Consumer Affairs 503-378-4320

NW Natural Gas 800-523-7661

Marion County 503-588-5037

FERRELLGAS 503-363-3445

National Guard 503-623-2478

AMERIGAS 503-585-6723

Social Security 800-234-5772 State Police 503-378-3720

RESOURCE GUIDE GARBAGE COLLECTION http://apps.co.marion.or.us/haulers/ Capitol Recycling & Disposal 503-363-8890 D & O Garbage Service 503-363-7923 Pacific Sanitation, Inc. 503-393-1031 N. Marion Recycling & Disposal 503-463-1831 Santiam Sanitary Service Inc. 503-749-1055 Suburban Garbage Service 503-362-4949 United Disposal Service 503-981-1278 Valley Recycling & Disposal 503-585-4300 Loren's Sanitation Service 503-393-2262

RESOURCE AND REFERRAL CENTERS Silverton 503-873-8330 Stayton 503-769-3137 Woodburn 503-982-8212 SCHOOLS www.greatschools.net Salem Keizer School District 24-J 503-399-3000 www.salemkeizer.org TELEPHONE SERVICES Qwest 800-244-1111 GTE Northwest 800-483-4100 AUMSVILLE, SILVERTON, TURNER

Trash and Junk (Private Property) Community Enforcement 503-588-6471

Gervais Telephone Co 503-792-3611

OTHER INFORMATION

503-769-2121

Crime Prevention / Police Department 503-588-6499

Mt Angel Telephone Co 503-845-2291

Graffiti Hotline 503-371-4264

Peoples' Telephone Co 503-859-2136

Neighbor to Neighbor Mediation Service 503-585-0651

MILL CITY, LYONS

Burning Information / Fire Department 503-588-6420 Street Tree Info and Problems Community Services, Parks Operations 503-588-6336 Locating/Marking for Excavation Salem/Keizer Utilities, Notification Center 800-332-2344

Stayton Cooperative Telephone Co

Oregon Telcom 888-588-1888 3991 FAIRVIEW INDUSTRIAL DR. SE

RESOURCE GUIDE TRANSPORTATION Carpool Information 503-371-POOL Bike Paths/Maps Public Works, Traffic 503-588-6211 Bus Schedules/Information Cherriots(SALEM) 503-588-2877 Abandoned Autos and Parts Community Service 503-588-6471 Blocking Driveway or Illegally Parked Police Department 503-588-6123 Towed Autos / Police Department 503-588-6144 WATER SERVICE Billing Information Public Works, Customer Service 503-588-6099 New Hookups, Permits Public Works (PAC) 503-588-6211 Service/Repair, Move In/Move Out Public Works, Customer Service 5036-588-6099 Water Conservation Public Works, Customer Service 503-588-6211 24-Hour Message Line 503-361-2212 Sewer Information Permit Application Center 503-588-6211

U.S. POST OFFICE www.usps.com Salem 410 Mill St SE 400 Glen Creek Rd NW 1050 Sunnyview Rd NW 1050 25th St SE 3624 Commercial St SE 222 Claxter Rd NE Keizer 5454 River Rd N Turner 7230 3rd St SE Independence 216 S 2nd St Aumsville 320 Main St Silverton 210 N Water St Sublimity 211 NW Starr St Dallas 768 W Church St Mt Angel 90 N Garfield St Monmouth 437 Clay St E VOTER REGISTRATION www.oregonvotes.org/register.htm

TITLE & ESCROW

CYBER SECURITY Because of you… we obsess over cyber security!

Cyber fraud and email hacking is on the rise. Fraudsters may access individual email accounts and monitor the life of your transaction. At the time funds are due to the escrow, fraudsters intercept the information for wiring funds and the fraudsters change the information without the knowledge of the sender or recipient, resulting in the funds being sent to an outside account and never credited to the intended party.

To protect and reduce your risk, WFG has implemented the following procedures for outgoing and incoming wires: Outgoing Wire from WFG to seller or borrower for proceeds In the escrow paperwork provided you will be asked to provide written instructions how you want funds due you sent to you at close of escrow. If you choose to have the funds sent via wire transfer, WFG will contact you by phone to confirm the wire information provided.

Incoming Wires from buyer and/or lender to WFG bank account For funds that are to be wired to WFG for your transaction, we will send specific wire instructions to the remitting person via an encrypted email. We recommend you reach out to your WFG contact to confirm the wire instructions prior to remittance.

We look forward to processing your escrow transaction for you. We know that this can be a stressful time and we are here to assist you in any way we can to make this a good experience. http://national.wfgnationaltitle.com/2016/04/05/obsess-cyber-security/

WHY IS OWNER’S TITLE INSURANCE IMPORTANT? Financially speaking, the decision to buy a home is one of the biggest decisions a person will likely ever make.

Owner’s title insurance insures that, when the purchase is closed, the buyer is the owner of and has marketable title to the property, has access to the home, and there are no liens, claims, or restrictions on the buyer’s property, other than the mortgage the buyer agrees to pay.

If the preliminary title search uncovers potential problems, a buyer can require that those problems be satisfactorily dealt with before closing on the home.

In addition, owner’s title insurance protects buyers against a myriad of risks that not even the most careful title search can uncover, including things such forged documents, undisclosed or missing heirs of a previous owner, fraud, will disputes, and unrecorded claims of many types.

Without owner’s title insurance, the legal costs to resolve such title claims could easily be in the tens of thousands of dollars and would have to be paid out of pocket by the buyer - not to mention the stress that such situations would cause to the buyer.

Owner’s title insurance is one of the most affordable insurance policies a person can ever buy. Unlike other forms of insurance, there is only a one-time fee at closing for the policy, which financially protects the buyer’s investment for as long as the buyer or the buyer’s heirs own the home.

So, if someone tells the buyer that owner’s title insurance is “optional”, that certainly does not mean that the buyer should not get it. Virtually every lender requires lender’s title insurance, but that insurance does not protect the buyer.

In order to safeguard the buyer’s investment in the property, which is possibly the most important investment the buyer will ever make, owner’s title insurance is absolutely critical.

WHAT IS ESCROW Understanding the Escrow Process An escrow is an arrangement in which a neutral third party (the escrow agent) assembles and processes many of the components of a real estate transaction, records the transaction, and ultimately, disburses and distributes funds according to the buyers’, sellers’ and lenders’ instructions. Your transaction is typically closed by an Escrow Officer. People buying and selling real estate usually open an escrow for their protection and convenience. Both the buyer and seller rely on the escrow agent to carry out their written instructions relating to the transaction and to advise them if any of their instructions are not mutually consistent or cannot be carried out. If the instructions from all parties to an escrow are clearly drafted, the escrow officer can proceed on behalf of the buyer and seller without further consultation. This saves much time and facilitates the closing of the transaction.

Typical Roles in the Closing Process The Seller/Agent  Delivers a fully executed Purchase Sale Agreement to the escrow agent.  Executes the paperwork necessary to close the transaction.

The Buyer/Agent  Deposits collected funds required to close (in with the escrow agent.  Approves the commitment for title insurance, or other items as called for by the Purchase Sale Agreement.  Executes the paperwork and loan documents necessary to close the transaction.

The Lender  Deposits loan documents to be executed by the buyer.  Deposits the loan proceeds.  Directs the escrow agent of the conditions under which the loan funds may be used The Escrow Agent  Clears Title  Obtains title insurance  Obtains payoffs and release documents for underlying loans on the property  Receives funds from the buyer and/or lender.  Prepares vesting document affidavit on seller’s behalf.  Prorates insurance, taxes, rents, etc.  Prepares a final statement (often referred to as the “HUD Statement” or ”Settlement Statement”) for each party, indicating amounts paid in conjunction with the closing of your transaction.  Forwards deed to the county for recording.  Once the proper documents have been recorded, the escrow agent will distribute funds to the proper parties.

In Summary Escrow is the process that assembles and processes many of the components of a real estate transaction. The sale is officially closed when the new deed is recorded and funds are available to the seller, thus transferring ownership from the seller to the buyer. The escrow agent is a neutral third party acting on behalf of the buyer and seller .

WHAT IS TITLE About Title Insurance

What’s involved in a title search?

Title is a bundle of rights in real property.

Protecting purchasers and lenders against loss is accomplished by the issuance of a title insurance policy. Usually, during a purchase transaction the lender requests a policy (commonly referred to as the Lender’s Policy) while the buyers receive their own policy (commonly referred to as an Owner's Policy).

A title search is actually made up of three separate searches:

In short, the policy states that if the status of the title to a parcel of real property is other than as represented, and if the insured (either the owner or lender) suffers a loss as a result of a title defect, the insurer will reimburse the insured for that loss and any related legal expenses, up to the face amount of the policy, subject to exceptions and exclusions contained in the policy.

Typically there are two policies issued. The Mortgagee’s Policy insures the lender for the amount of the loan. The Owner’s Policy insures the purchaser for the purchase price.

How is title insurance different from other types of insurance?

While the function of most other forms of insurance is risk assumption through the pooling of risks for losses arising out of unforeseen future events (such as sickness or accidents), the primary purpose of title insurance is to eliminate risks and prevent losses caused by defects in title arising out of events that have happened in the past. To achieve this goal, title insurers perform an extensive search and examination of the public records to determine whether there are any adverse claims (title defects) attached to the subject property. Said defects/claims are either eliminated prior to the issuance of a title policy or their existence is excepted from coverage.

Your policy is issued after the closing of your new home, for a one-time nominal fee, and is good for as long as you own the property.

• Chain of Title – History of the ownership of the subject property • Tax Search – The tax search reveals the status of the taxes and assessments • Judgment and Name Search – Searches for judgment and liens against the owners’ and purchasers’ names Once the three searches have been completed, the file is reviewed by an examiner who determines: • Whether or not the Chain of Title shows that the party selling the property has the right to do so.

• The status of taxes for the subject property.

The Tax Search will also indicate the existence of any special assessments against the land and whether or not these assessments are current or past due.

• Whether there are any unsatisfied judgments on the Judgment and Name Search against the previous owners, sellers, or and purchasers.

Rights established by judgment decrees, unpaid federal income taxes and mechanic liens all may be prior claims on the property, ahead of the buyer’s or lender’s rights. The title search will only uncover defects in title that are of public record, thus allowing the title company to work with the seller to clear up these issues and provide the new buyer with title insurance.

In Summary After the searches have been examined, the title company will issue a commitment, stating the conditions under which it will insure title.

The buyer, seller and the mortgage lender will proceed with the closing of the transaction after clearing up any defects in the title that have been uncovered by the search and examination.

WHO PAYS FOR WHAT IN OREGON Buyer’s Customary Escrow Fee Responsibilities

Seller’s Customary Escrow Fee Responsibilities

Typical Costs

Typical Costs

The following costs generally affect all transactions:  Escrow Fee - one-half of the fee, based on title company’s fee schedule  Recording Fees - based on county fee schedule  Fire Insurance Premium - mandatory when any lender is involved, including the seller’s lender  Tax Prorate - to apportion taxes between parties as of date of closing  General Costs - as listed for each specific transaction, as requested by the principals

The following costs generally affect all transactions:  Escrow Fee - one-half of the fee, based on title company’s fee schedule  Recording Fees - based on county fee schedule  Title Premium - based on fixed statewide fee schedule  Real Estate Commission - based on agreement with Broker  Tax Prorate - to apportion taxes between parties as of date of closing  General Costs - as listed for each specific transaction, as requested by principals  Release fees for loan payoff(s)

Land Sale Contract Transaction   

Attorney Fee - optional, and is sometimes shared with seller Collection Escrow Setup Fee - optional, and is sometimes shared with seller Recording Fee - for contract or memorandum thereof

Assignment of contract for assumption of loan transaction   

Assumption or Assignment Next monthly payment due, if required by lender Recording Fee - for Assumption/Assignment of Agreement, if required by lender

Conventional, FHA, VA loan transactions        

Lenders title insurance policy & endorsements, as required by lender Loan Fee - as required by lender Credit Report Fee - as required by lender Appraisal Fee - as required by lender Mortgage Insurance Premium - based on fee schedule and endorsements of lender Prepaid Interest - if required by lender VA Loans only - funding fee, if required by lender FHA, VA, and some Conventional Loans reserves for real property taxes, fire insurance and mortgage insurance

Land Sale Contract Transaction  

Attorney Fee - optional, and is sometimes shared with purchaser Collection Escrow Setup Fee - optional, and is often shared with purchaser

Assignment of contract for assumption of loan transaction  

Any delinquent payments to bring contract or loan current Prorate share of current month’s interest based on current rate

Conventional, FHA, VA loan transactions  

Any closing cost (not expenses of property or loan interest) negotiated on behalf of the purchaser, subject to lender’s approval FHA, VA Loans - check with lender for any applicable seller costs

DISCLAIMER: This information is provided for informational purposes only and no warranties are made.

TITLE VESTING AS AN INDIVIDUAL - An individual may hold title in his or her name only, regardless of whether or not married – e.g. “Jane Smith, an individual”. That individual then owns all rights to the property, which can be sold or transferred to others via will or trust. While a divorce is pending, however, if the property was acquired during the marriage it will likely be treated as part of the marital estate and thus be subject to court authority.

AS TENANTS BY THE ENTIRETY - A conveyance to a husband and wife creates a tenancy by the entirety – e.g. “John Smith and Jane Smith, husband and wife, as tenants by the entirety”. This creates a survivorship estate, which means that if one spouse dies, his/her interest will automatically go to the surviving spouse. A husband and wife may also take title as tenants in common (discussed below) if the intention to hold title in that manner is expressly stated.

AS TENANTS IN COMMON – Unless a conveyance expressly provides that the parties intend to create a survivorship estate (discussed below), a conveyance to two or more persons who are not married creates a tenancy in common in which each has (unless otherwise stated) an equal undivided interest in the property – e.g. “John Smith and Robert Jones, as tenants in common, each as to an undivided 50% interest”. Each tenant in common then owns an undivided interest in the entire property, which can be sold or transferred to others via will or trust.

AS A SURVIVORSHIP ESTATE - Two or more persons who are not married may also hold title as tenants in common with a right of survivorship, as long as the survivorship declaration is expressly contained in the deed – e.g. “John Smith and Robert Jones, not as tenants in common, but with the right of survivorship”. This creates a survivorship estate, which means that if one party dies, his/her interest will automatically go to the survivor and cannot be sold during the lifetime of or transferred via will or trust by the party who dies first.

AS REGISTERED DOMESTIC PARTNERS - Registered domestic partners may take title as (i) tenants in common– e.g. “Jane Smith and Mary Jones, registered domestic partners, as tenants in common, each as to an undivided 50% interest”, or (ii) in a survivorship estate similar to that of a tenancy by the entirety – e.g. “Jane Smith and Mary Jones, as registered domestic partners with right of survivorship”.

AS A SAME SEX MARRIED COUPLE - Same sex married couples may take title as (i) tenants in common – e.g. “John Smith and Robert Smith, a married couple, as tenants in common, each as to an undivided 50% interest”, or (ii) in a survivorship estate similar to that of a tenancy by the entirety – e.g. John Smith and Robert Smith, a married couple with right of survivorship, or (iii) as tenants by the entirety – e.g. “John Smith and Robert Smith, a married couple, as tenants by the entirety”.

AS AN ENTITY - A registered entity, such as a corporation, limited liability company or partnership, may hold title. Title should be held exactly as the name is registered with the Oregon Secretary of State – e.g. “Smith & Jones, LLC, an Oregon limited liability company”.

DISCLAIMER – The foregoing contains informational examples only and is not to be construed as legal advice. Given the complexities involved in acquiring and holding legal title to real property, WFG strongly recommends that you seek legal advice from an attorney prior to doing so.

WFG OFFICE LOCATIONS

1

2

3

ADMINISTRATIVE

4

LLOYD

7

DOWNTOWN VANCOUVER

CLACKAMAS

5

NW PDX/ COMMERCIAL

8

SALMON CREEK

LAKE OSWEGO

6

SUNSET

9

VANCOUVER MALL

12909 SW 68th Pkwy. Ste. 350 Portland, OR 97223 503-431-8500 9200 SE Sunnybrook Blvd. Ste. 350 Clackamas, OR 97015 503-353-9975 5885 Meadows Rd. Ste. 150 Lake Oswego, OR 97035 503-624-4900

1625 NE Weidler Street Portland, OR 97232 503-230-8488 25 NW 23rd Pl. Ste. 1 Portland, OR 97210 503-219-9088

2430 NW 206th Ave. Ste. 125 Beaverton, OR 97006 503-533-9510

101 E 6th St. Ste. 125 Vancouver, WA 98660 360-314-0300

2105 NE 129th St. Ste. 107 Vancouver, WA 98686 360-314-1818 5101 NE 82nd Ave. Ste. 102 Vancouver, WA 98662 360-891-5454

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Notification is sent to both Buyer and Seller.

Notification is sent once all title curative items are received and ready for closing.

All notifications include a link that can be used for registration and access to your MyHome® dashboard post registration.

Notification is sent 10 days after Title Report is completed.

Notification is sent when EM is received

by Escrow.

Notification is sent to Buyers every 90 days.

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Notification sent one day after transaction is marked recorded.

TRANSACTION CLOSES

SIGNING SCHEDULED

Notification (video, when applicable) is sent five days after Title Cleared Notification.

NEARING YOUR SIGNING

TITLE CLEARED

Notification is sent in conjunction with Title Cleared notification.

MIDPOINT FEEDBACK

Notification is sent after Title Report is completed.

MyHome® notifications start triggering to the Client once the order has been opened.

UPDATER INVITATION

EARNEST MONEY

TITLE REPORT DELIVERED

TRANSACTION STARTED

CONSUMER EXPERIENCE TIMELINE

COVENANTS, CONDITIONS & RESTRICTIONS

Covenants, Conditions & Restrictions We believe these are the correct conditions and restrictions.

However, no examination of title has been made and WFG National Title assumes no liability for any additions, deletions or corrections.

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