20 NW 16th Ave #4, Portland, OR 97209

20 NW 16th Avenue #4 Portland, OR 97209

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

20 NW 16TH AVE #4 PORTLAND OR 97209 R591971 MULTNOMAH COUNTY OR

Owner Information Owner Name:

BROWN MATTHEW D /

Vesting:

INDIVIDUAL(S)

Mail Address:

20 NW 16TH AVE #4 PORTLAND OR 97209

Owner Status:

OwnerOccupied

Location Information

Legal Desc:

EMPRESS CONDOMINIUMS, LOT 4

County:

MULTNOMAH

Census/Block: 005000 / 1152

Alt Parcel #

1N1E33DA -60004

School District: PORTLAND 1J

Tsp-Rng-Sec:

T1N-R1E-S33

Municipality:

Lot / Block:

Lot: 4 Block:

Parcel #:

R591971

Housing Tract: EMPRESS CONDOMINIUMS Last Market Sale Date:

2017-01-13/2017-01-10

Lender:

RPM MTG

Sale Price:

285000

Loan:

270750

Document #: 2017.5291

Document #: 2017.5292

Doc Type:

GENERAL WARRANTY DEED

Loan Type:

CONVENTIONAL

$ Sqft:

$395.28

Loan Term:

30

Prior Sale Information Date:

2014-12-18/2014-12-16

Lender:

Price:

194900

Loan:

Document #: 2014.126604 Doc Type:

GENERAL WARRANTY DEED

155920

Document #: Loan Type:

CONVENTIONAL

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

Copyright © 1995-2021 CDS Marketing, Inc.

20 NW 16TH AVE #4 PORTLAND OR 97209 R591971 MULTNOMAH COUNTY OR

Property Characteristics Gross Area:

721

Garage Area:

Interior Wall

Living Area:

721

Roof Shape:

Porch Type:

Above Grade: 721

Foundation:

Bedrooms:

Roof Material: BUILT UP

Air Cond:

Construction:

Fixtures:

Bath (F/H):

1/

Fireplace: Year Built:

Heat Type: 1927

CONCRETE

BASEBOARD

Patio Type:

Floor:

Cooling Type:

Equipment:

Parking Type: Garage

Exterior Wall:

Stories:

1

Units:

Rooms:

Pool:

No

Basement:

Quality:

Condition:

GOOD

Property Information Land Use:

COMMERCIAL C

County Use:

RESIDENTIAL,COMMEState Use:

W

Zoning:

NULL

Lot Acres:

0.0012

Lot Sqft:

53

Len/Wid:

/

$258,930

Taxable Val:

$258,930

Mkt Value:

$258,930

Tax and Assessment Information Assd Year:

2020

Assd Value:

Tax Year:

2020

Land Value:

Tax Area:

708

Imp Value:

$258,930

Exemption:

Property Tax:

$3,785.94

Improved %:

100%

District:

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

Copyright © 1995-2021 CDS Marketing, Inc.

20 NW 16TH AVE #4 PORTLAND OR 97209 R591971 MULTNOMAH COUNTY OR

Averages

Avg Bedrooms

Avg Bathrooms

Avg Sqft

Avg Price

Avg $Sqft

2016

0.00

1.00

707

$315,011

$446

2017

0.00

1.00

709

$341,433

$482

2018

1.00

1.00

698

$313,875

$450

2019

0.00

1.00

719

$293,509

$408

2020

0.00

1.00

726

$257,167

$354

Average Sale Price $315,011

$341,433

2016

2017

$313,875

2018

$293,509

2019

$257,167

2020

Average $ Per Square Foot $446

2016

$482

2017

$450

2018

$408

2019

$354

2020

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

Copyright © 1995-2021 CDS Marketing, Inc.

20 NW 16TH AVE #4 PORTLAND OR 97209 R591971 MULTNOMAH COUNTY OR

Female Population

5,228

29.1% 5.6% 0-9

34.6% 15.4%

13.6%

40-49

50-59

18.6% 10.7%

1.3% 10-19

20-29

30-39

60-69

70+

Male Population

7,006

39.2% 24.7% 3.9%

2.5%

0-9

10-19

18.2%

18.0% 9.6%

20-29

Education

30-39

40-49

50-59

8.5% 60-69

70+

Employment

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

3.0%

Working Age:

7.3% 24.6% 37.0% 28.0%

Labor Force: Median Income:

13,791 75.9% $50,471 89.4%

Employed: Unemployed:

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

Copyright © 1995-2021 CDS Marketing, Inc.

10.6%

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

20 NW 16TH AVE #4 PORTLAND OR 97209 R591971 MULTNOMAH COUNTY OR

Portland Sd 1j Elementary Schools Emerson School 105 NW PARK AVE PORTLAND OR 97209 Grades: KG to 05 Charter School: Y Magnet School: U

503-525-6124 Area Desc: City: Large Distance: 0.38 Miles Title One: N

Chapman Elementary 1445 NW 26TH AVE PORTLAND OR 97210 Grades: KG to 05 Charter School: N Magnet School: U Middle Schools Da Vinci Middle School 2508 NE EVERETT PORTLAND OR 97232 Grades: 06 to 08 Charter School: N Magnet School: U

503-916-6295 Area Desc: City: Large Distance: 1.09 Miles Title One: N

Hosford Middle School 2303 SE 28TH PL PORTLAND OR 97214 Grades: 06 to 08 Charter School: N Magnet School: U High Schools Lincoln High 1600 SW SALMON ST PORTLAND OR 97205 Grades: 09 to 12 Charter School: N Magnet School: U

503-916-5640 Area Desc: City: Large Distance: 2.72 Miles Title One: Y

Benson Polytechnic High 546 NE 12TH AVE PORTLAND OR 97232 Grades: 09 to 12 Charter School: N Magnet School: U

503-916-5100 Area Desc: City: Large Distance: 1.65 Miles Title One: N

503-916-5356 Area Desc: City: Large Distance: 2.30 Miles Title One: N

503-916-5200 Area Desc: City: Large Distance: 0.27 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.

Portland SD 1J 503-916-2000 | 501 N Dixon St, Portland 97227 STUDENTS WE SERVE^

INTRODUCTION

48,559 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: 6% Teachers: 4% Black/African American Students: 9% Teachers: 3% Hispanic/Latino Students: 16% Teachers: 9% Multiracial Students: 10% Teachers: 4% Native Hawaiian/Pacific Islander Students: 1% Teachers: <1% White Students: 57% Teachers: 79%

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: 81%

Oregon Average: 80%

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

District: 87%

Oregon Average: 86%

OUR STAFF (ROUNDED FTE) 180 Administrators 2,750 Teachers 679 Educational assistants 242 Counselors/Psychologists 62 Licensed Librarians 80% of licensed teachers with more than 3 years of experience

District website: www.pps.net 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 = 2180

Portland SD 1J 503-916-2000 | 501 N Dixon St, Portland 97227 OUTCOMES On-Time Graduation and Five-Year Completion rates separated by student group.

ON-TIME GRADUATION

FIVE-YEAR COMPLETION

American Indian/Alaska Native: ......................................................... 64%

American Indian/Alaska Native: ......................................................... 68%

Asian: .................................................................................................. 91%

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

Black/African American: ..................................................................... 73%

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

Hispanic/Latino: ................................................................................. 72%

Hispanic/Latino: ................................................................................. 78%

Multiracial: .......................................................................................... 77%

Multiracial: ......................................................................................... 86%

Native Hawaiian/Pacific Islander: ...................................................... 68%

Native Hawaiian/Pacific Islander: ...................................................... >95%

White: ................................................................................................. 84%

White: ................................................................................................. 91%

Free/Reduced Price Lunch: ................................................................. 73%

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

Ever English Learner: .......................................................................... 76%

Ever English Learner: .......................................................................... 81%

Students with Disabilities: .................................................................. 64%

Students with Disabilities: .................................................................. 72%

Migrant: .............................................................................................. 86%

Migrant: .............................................................................................. 71%

Talented and Gifted: .......................................................................... 93%

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

Female: ............................................................................................... 83%

Female: ............................................................................................... 89%

Male: .................................................................................................. 79%

Male: .................................................................................................. 86%

Non-Binary: Coming in 2021-22

Non-Binary: Coming in 2021-22

Chapman Elementary School Grades: K-5 503-916-6295 | 1445 NW 26th Ave, Portland 97210 STUDENTS WE SERVE^ 484 Student Enrollment ^Student enrollment as of October 1, 2019

DEMOGRAPHICS American Indian/Alaska Native Students: 1% Teachers: 0%

Asian Students: 4% Teachers: 0%

Black/African American Students: 4% Teachers: 3%

Hispanic/Latino Students: 12% Teachers: 7%

Multiracial Students: 12% Teachers: 3%

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 89% OUR STAFF (ROUNDED FTE) 24 Teachers 4 Educational assistants 1 Counselors/Psychologists 79% Average Teacher retention rate 81% of licensed teachers with more than 3 years of experience Yes: Same principal for the last 3 years?

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

White Students: 67% Teachers: 86%

School website: www.pps.net/schools/chapman 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 = 839

West Sylvan Middle School Grades: 6-8 503-916-5690 | 8111 SW West Slope Dr, Portland 97225 STUDENTS WE SERVE^ 833 Student Enrollment ^Student enrollment as of October 1, 2019

DEMOGRAPHICS American Indian/Alaska Native Students: <1% Teachers: 0%

Asian Students: 9% Teachers: 2%

Black/African American Students: 2% Teachers: 4%

Hispanic/Latino Students: 9% Teachers: 6%

Multiracial Students: 10% Teachers: 4%

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 94% OUR STAFF (ROUNDED FTE) 40 Teachers 5 Educational assistants 2 Counselors/Psychologists 83% 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: 68% Teachers: 84%

School website: www.pps.net/schools/east-west-sylvan 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 = 898

Lincoln High School Grades: 9-12 503-916-5200 | 1600 SW Salmon St, Portland 97205 STUDENTS WE SERVE^

INTRODUCTION

1,588 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: 0%

ACADEMIC SUCCESS

Asian Students: 10% Teachers: 2% Black/African American Students: 1% Teachers: 2% Hispanic/Latino Students: 10% Teachers: 8% Multiracial Students: 9% Teachers: 4% Native Hawaiian/Pacific Islander Students: <1% Teachers: 0% White Students: 69% Teachers: 84% 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: 93%

District: 81%

Oregon Average: 80%

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

School: >95%

District: 87%

Oregon Average: 86%

OUR STAFF (ROUNDED FTE) 79 Teachers 2 Educational assistants 6 Counselors/Psychologists 88% Average Teacher retention rate 81% of licensed teachers with more than 3 years of experience Yes: Same principal for the last 3 years?

95%

School website: www.pps.net/schools/lincoln 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 = 914

Lincoln High School Grades: 9-12 503-916-5200 | 1600 SW Salmon St, Portland 97205 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: .................................................................................................. >95%

Asian: .................................................................................................. >95%

Black/African American: ..................................................................... >95%

Black/African American: ..................................................................... >95%

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

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

Multiracial: .......................................................................................... 94%

Multiracial: ......................................................................................... 94%

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

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

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

White: ................................................................................................. >95%

Free/Reduced Price Lunch: ................................................................. 77%

Free/Reduced Price Lunch: ................................................................ 94%

Ever English Learner: .......................................................................... 77%

Ever English Learner: .......................................................................... 94%

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

Students with Disabilities: .................................................................. 89%

Migrant: .............................................................................................. *

Migrant: .............................................................................................. *

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

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

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

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

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

Male: .................................................................................................. >95%

Non-Binary: Coming in 2021-22

Non-Binary: Coming in 2021-22

COMMUNITY

CITY OF PORTLAND

583,776 POPULATION 2010 Census Data

MALE 49.54%

$40,146

FEMALE 50.46%

35.00

MEDIAN INCOME

MEDIAN AGE

2010 Census Data

2010 Census Data

Portland is the largest city in the U.S. state of Oregon and the seat of Multnomah County. It is a

major port in the Willamette Valley region of the Pacific Northwest, at the confluence of the Willamette and Columbia rivers. The city covers 145 square miles (380 square kilometers) and had an estimated population of 647,805 in 2017, making it the 26th most populous city in the United States, and the second-most populous in the Pacific Northwest.

SCHOOL DISTRICTS   

Portland Public David Douglas Reynolds

  

Centennial Parkrose Riverdale

HOUSING

AGE DEMOGRAPHIC 2010 Census Data     

21.1% under age 18 10.3% between ages 18 to 24 34.7% between ages 25 to 44 22.4% between ages 45 to 64 11.6% above age 65

2010 Census Data  

53.75% of homes owner occupied 46.25% of homes rented

POPULATION DENSITY 2010 Census Data  

4,375.2 inhabitants per sq. mile 265,439 housing units at an average density of 1,989.4 per sq. mile

CITY QUICK FACTS      

Largest city in Oregon 145 square miles 50 feet elevation 26th most populous city in the US Highest Average Temperature 81.1º Lowest Average Temperature 35.2º

Named after Portland, Maine, the Oregon settlement began to be populated in the 1830s near the

end of the Oregon Trail. Its water access provided convenient transportation of goods, and the timber industry was a major force in the city's early economy. At the turn of the 20th century, the city had a reputation as one of the most dangerous port cities in the world, a hub for organized crime and racketeering.

METRO AREA BASE MAP

20 NW 16TH AVE #4 PORTLAND OR 97209 R591971 MULTNOMAH COUNTY OR

Animal - Services Name

Address

Telephone

Distance

Tulacz, Paul W DVM - Portland

1755 SW Madison St

503-228-5256

0.39 Mi

Dilday, Mark DVM - Animal Med

1411 SW 14th Ave, #B

503-222-1254

0.48 Mi

Sierbinski, Keith DVM - Veter

85 SW 3rd Ave

503-810-0664

0.66 Mi

Huff, Patricia E DVM - Pet Sa

2519 E Burnside St

503-233-5001

2.27 Mi

Wilson, Cali DVM - Forest Hei

7365 SW Barnes Rd, #G

503-291-1757

3.19 Mi

Banks Name

Address

Telephone

Distance

Washington Mutual

1239 NW Couch St

503-295-7827

0.17 Mi

Shorebank Pacific

1101 SW Washington St

503-916-1552

0.24 Mi

Freeman- John E

910 SW 18th Ave

503-228-1311

0.26 Mi

U S Bank - Stadium Office- Po

2000 SW Morrison St

503-275-4850

0.28 Mi

West Coast Bank

1207 NW Glisan St

503-364-0359

0.29 Mi

Coffee Shops Name

Address

Telephone

Distance

Coffee Dugout

742 SW 18th Ave

503-973-5441

0.18 Mi

Boyds Coffee Stores

1501 SW Taylor St

503-241-6404

0.22 Mi

Starbucks: 20th & Burnside- P

1972 W Burnside St

503-227-3008

0.23 Mi

Peet's Coffee & Tea

1114 NW Couch St

971-244-0452

0.23 Mi

Starbucks: Governor Hotel Lob

611 SW 11th Ave

503-224-3400

0.26 Mi

Credit Unions Name

Address

Telephone

Distance

Northwest Resource Federal CU

221 NW 2nd Ave

503-220-2592

0.72 Mi

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

Copyright © 1995-2021 CDS Marketing, Inc.

20 NW 16TH AVE #4 PORTLAND OR 97209 R591971 MULTNOMAH COUNTY OR

Credit Unions Name

Address

Telephone

Distance

Advantis Credit Union Consolidated Federal CU

825 NE Multnomah St, #110

503-785-2528

1.55 Mi

2021 NE Sandy Blvd

503-232-8070

2.04 Mi

United Advantage

1430 N Killingsworth St

503-283-5193

2.75 Mi

Northwest Adventist Fed CU

10333 SE Main St

503-256-3712

5.66 Mi

Eating and Drinking Places Name

Address

Telephone

Distance

Demetri's Mediterranean Resta

1650 W Burnside St

503-222-1507

0.04 Mi

GAYA GAYA

1710 W Burnside St

503-224-2164

0.08 Mi

Crystal Ballroom & Lola's Roo

1332 West Burnside Street

503-225-0047

0.11 Mi

Commodore Grill and Lounge

1601 SW Morrison St

503-224-0051

0.12 Mi

McDonalds

1831 W Burnside St

503-227-6870

0.13 Mi

Golf Courses Name

Address

Telephone

Distance

Eastmoreland Golf Course

2425 SE Bybee Blvd

503-775-2900

3.94 Mi

Broadmoor Golf Course

3509 NE Columbia Blvd

503-281-1337

4.50 Mi

Portland Meadows Golf Course

901 N Schmeer Rd

503-289-3405

4.58 Mi

Portland Golf Club

5900 SW Scholls Ferry Rd

503-292-2778

4.68 Mi

Rose City Golf Course

2200 NE 71st Ave

503-253-4744

4.82 Mi

Grocers and Supermarkets Name

Address

Telephone

Distance

Commodore Grocery

621 SW 16th Ave

503-224-9661

0.09 Mi

Couch Market Inc

1806 NW Couch St

503-222-6409

0.12 Mi

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

Copyright © 1995-2021 CDS Marketing, Inc.

20 NW 16TH AVE #4 PORTLAND OR 97209 R591971 MULTNOMAH COUNTY OR

Grocers and Supermarkets Name

Address

Telephone

Distance

Whole Foods Market MA & PA Market

1210 NW Couch St

503-525-4343

0.18 Mi

1200 SW Washington St

503-224-2161

0.19 Mi

Georgia's Grocery Store

1143 SW Stark St

503-227-4965

0.23 Mi

Health Clubs and Spas Name

Address

Telephone

Distance

Studio Adrienne

614 SW 11th Ave, #101m

503-227-1470

0.27 Mi

Frisch Louann Rd

511 SW 10th Ave, #1006

503-223-5425

0.30 Mi

Bodies In Balance

852 SW 21st Ave

503-248-4483

0.35 Mi

24 Hour Fitness

1202 NW Irving St

503-525-5831

0.37 Mi

Studio HQ

918 SW Yamhill St, Fl 4

503-227-3578

0.38 Mi

Hospitals Name

Address

Telephone

Distance

Shriners Hosps For Children

3101 SW Sam Jackson Park Rd

503-241-5090

1.47 Mi

Eastmoreland Hospital

2900 SE Steele St

503-234-0411

3.66 Mi

Woodland Park Hospital

10300 NE Hancock St

503-257-5500

6.34 Mi

Hospitals - Acute Care Name

Address

Telephone

Distance

Legacy Good Samaritan Medical

1015 NW 22nd Ave

503-413-7682

0.67 Mi

Legacy Emanuel Medical Center

2801 N Gantenbein Ave

503-413-2200

1.58 Mi

Ohsu Hospital And Clinics

3181 SW Sam Jackson Park Rd

503-494-4036

1.62 Mi

Providence Portland Medical C

4805 NE Glisan St

503-215-1111

3.55 Mi

Providence St Vincent Medical

9205 SW Barnes Rd

503-216-1234

4.21 Mi

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

Copyright © 1995-2021 CDS Marketing, Inc.

20 NW 16TH AVE #4 PORTLAND OR 97209 R591971 MULTNOMAH COUNTY OR

Hospitals - Acute Care Name

Address

Telephone

Distance

Hospitals - Acute Care - VA Name

Address

Telephone

Distance

Portland Va Medical Center

3710 SW Us Veterans Hospital R

503-220-8262

1.89 Mi

Nursing Homes Name

Address

Telephone

Distance

Holladay Park Plaza

1300 NE 16th Ave

503-288-6671

1.93 Mi

Mirabella Portland

3550 SW Bond Ave

503-901-2939

1.96 Mi

Rose City Nursing Home

34 NE 20th Ave

503-231-0276

2.02 Mi

Laurelhurst Village

3060 SE Stark St

503-535-4700

2.61 Mi

Avamere Crestview Of Portland

6530 SW 30th Ave

503-244-7533

3.34 Mi

Offices and Clinics of Chiropractors Name

Address

Telephone

Distance

Stevko, Annette M DC - Hollyw

4111 NE Tillamook St

503-281-3400

3.37 Mi

Nelson, Brian E DC - Nelson C

6647 SE Woodstock Blvd

503-775-5850

5.41 Mi

Kreger, Ronald W DC - Kreger

9818 E Burnside St

503-254-4252

6.03 Mi

Day Chiropractic

14511 Westlake Dr

503-620-2353

7.37 Mi

Hohensee, Drew DC - Back in M

11385 SW Scholls Ferry Rd

503-524-9040

7.43 Mi

Offices and Clinics of Dentists Name

Address

Telephone

Distance

Trotman-reese, Ronda Dds

1220 Sw Morrison St

503-224-9130

0.22 Mi

Ronda L Trotman Reese

1220 Sw Morrison St #1200

503-224-9130

0.22 Mi

Leslie R Milfred

1130 Sw Morrison St #450

503-227-4410

0.25 Mi

Thomas Robert Osterlind

1221 Sw Yamhill St #310

541-277-0958

0.25 Mi

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

Copyright © 1995-2021 CDS Marketing, Inc.

20 NW 16TH AVE #4 PORTLAND OR 97209 R591971 MULTNOMAH COUNTY OR

Offices and Clinics of Dentists Name

Address

Mika Miyamoto-shemali

1211 Nw Glisan St #201

Offices and Clinics of Medical Doctors Name Address

Telephone

Distance

503-297-1711

0.29 Mi

Telephone

Distance

Brady, Raymond E MD - Allergy

233 NW 16th Ave

503-233-6480

0.09 Mi

Hopmeier, Robin R MD - Oregon

120 NW 14th Ave, #300

503-299-9906

0.11 Mi

Pearl Woman's Center

120 NW 14th Ave, #200

503-771-1883

0.11 Mi

McDermott Laurie L Cac MSW

1220 SW Morrison St

503-274-9360

0.22 Mi

Miesen, M DC - Equilibrium

1706 NW Glisan St, #5

503-228-5000

0.23 Mi

Pharmacies Name

Address

Telephone

Distance

Allergy Associates, Pc

233 NW 16th Ave

503-226-6480

0.11 Mi

Cascade Physicians Pc

1411 SW Morrison St

503-242-9850

0.13 Mi

De Paul Treatment Centers, In

1320 Southwest Washington Stre

503-535-1150

0.13 Mi

De Paul Drug And Alcohol Trea

1312 Southwest Washington Stre

503-535-1174

0.14 Mi

Cascadia

412 SW 12th Ave

503-228-7134

0.21 Mi

Places of Religion Name

Address

Telephone

Distance

St Mary's Catholic Cathedral

1716 NW Davis St

N/A

0.10 Mi

Trinity Episcopal Cathedral

147 NW 19th Ave

N/A

0.16 Mi

First Presbyterian Church

1200 SW Alder St

N/A

0.20 Mi

Congregation Beth Israel

1972 NW Flanders St

N/A

0.29 Mi

Zion Lutheran Church

1015 SW 18th Ave

N/A

0.32 Mi

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

Copyright © 1995-2021 CDS Marketing, Inc.

20 NW 16TH AVE #4 PORTLAND OR 97209 R591971 MULTNOMAH COUNTY OR

Places of Religion Name

Address

Telephone

Distance

Retirement Communities Name

Address

Telephone

Distance

Up And Out Inc

521 SW 11th Ave

503-796-0241

0.25 Mi

Macdonald Residence

605 NW Couch St

503-241-7374

0.51 Mi

Marshall Union Manor

2020 NW Northrup St

503-225-0677

0.62 Mi

Union Manors - Marshall

2020 Northwest Northrup Street

503-225-0677

0.64 Mi

Hoffman M D

Ira Keller Fountain, SW Clay S

503-654-4500

0.82 Mi

Veterinary - Emergency Services Name

Address

Telephone

Distance

Animal Medical Clinic

1411 SW 14th Ave, Ste B

503-222-1254

0.48 Mi

Pearl Animal Hospital

1250 NW 10th Ave

503-954-3393

0.66 Mi

Hawthorne Veterinary Clinic

1431 SE 23rd Ave

503-233-2332

2.28 Mi

Rambling Vet

1430 NE Mason St

503-710-9720

2.70 Mi

Forest Heights Veterinary Cli

7365 SW Barnes Rd

503-291-1757

3.19 Mi

Veterinary - Medicine Name

Address

Telephone

Distance

Eddy Chicory

1411 SW 14th Ave

503-222-1254

0.49 Mi

Or Post Adoption Resource Cen

621 SW Morrison St

503-241-0799

0.49 Mi

Dovelewis Er & Icu Animal Hos

1945 NW Pettygrove St

503-228-7281

0.71 Mi

Lovejoy Surgicenter

933 NW 25th Ave

503-766-2037

0.87 Mi

Northwest Neighborhood Veteri

2680 NW Thurman St

503-227-6047

1.25 Mi

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

Copyright © 1995-2021 CDS Marketing, Inc.

UTILITIES & RESOURCES

UPDATER Organize and complete all your moving-related tasks! WFG National Title has partnered with Updater, a time-saving free tool geared to simplify and ease the process of moving. Look for a personalized Updater invitation after we complete your Title Report.

Registration is totally optional!

Use Updater to: Forward USPS mail Reserve a mover online Update your accounts Connect utilities Hook up home services Search move-in special offers Share moving announcements with friends & family

For more information on Updater, visit;

https://wfgoregon.updater.com/sign-up

PORTLAND 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 Portland Sewer District (503) 823-7770 www.portlandoregon.gov/bes/ City of Portland Water District (503) 823-7770 www.portlandoregon.gov/water/ Arrow Sanitary (503) 257-3993 www.arrowsanitaryservice.com Portland School District (503) 916-2000 www.pps.k12.or.us

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 AIRPORT

CITY CONTACT CONTINUED...

CITY CONTACT CONTINUED...

Portland International Airport (877) 793-4690 www.flypdx.com

Cornelius (503) 357-9112 www.ci.cornelius.or.us

Molalla (503) 829-6855 www.cityofmolalla.com

AUTO & DRIVER REGISTRATION

Damascus (503) 658-8545 www.ci.damascus.or.us

North Plains (503) 647-5555 www.northplains.org

Estacada (503) 630-8270 www.cityofestacada.org

Oregon City (503) 657-0891 www.ci.orcity.or.us

Fairview (503) 665-7929 www.ci.fairview.or.us

Portland (503) 823-4000 www.portlandonline.com

Forest Grove (503) 359-3200 www.ci.forest-grove.or.us

River Grove (503) 639-6919

DMV (503) 945-5000 www.odot.state.or.us/dmv/ BUS SERVICE C-Tran (360) 695-0123 www.c-tran.com Greyhound (800) 231-2222 www.greyhound.com Tri-Met (503) 238-7433 www.tri-met.org CABLE TV & INTERNET Verizon (888) 881-8161 www.verizon.com XFINITY (Comcast) (800) 934-6489 www.comcast.com CITY CONTACT Banks (503) 324-5112 www.cityofbanks.org Beaverton (503) 526-2222 www.ci.beaverton.or.us Canby (503) 266-4021 www.ci.canby.or.us

Gaston (503) 985-3340

Sandy (503) 668-5533 www.ci.sandy.or.us

Gladstone (503) 656-5225 www.ci.gladstone.or.us

Sherwood (503) 625-5522 www.ci.sherwood.or.us

Gresham (503) 661-3000 www.ci.gresham.or.us

Tigard (503) 639-4171 www.ci.tigard.or.us

Happy Valley (503) 760-3325 www.ci.happy-valley.or.us

Troutdale (503) 665-5175 www.ci.troutdale.or.us

Hillsboro (503) 681-6100 www.hillsboro-oregon.gov

Tualatin (503) 692-2000 www.tualatinoregon.gov

King City (503) 639-4082 www.ci.king-city.or.us

West Linn (503) 657-0331 www.westlinnoregon.gov

Lake Oswego (503) 635-0270 www.ci.oswego.or.us

Wilsonville (503) 682-1011 www.ci.wilsonville.or.us

Milwaukie (503) 786-7525 www.ci.cityofmilwaukie.org

Wood Village (503) 667-6211 www.ci.wood-village-or.us

RESOURCE GUIDE COUNTY CONTACTS

HOSPITALS CONTINUED...

NATURAL GAS

Clackamas (503) 655-8011 www.co.clackamas.or.us Taxation (503) 655-8671

Legacy Meridian Park (503) 692-1212 www.legacyhealth.org

NW Natural (800) 422-4012 www.nwnatural.com

Legacy Mt. Hood (503) 674-1122 www.legacyhealth.org

NEWSPAPERS

Multnomah (503) 248-3511 www.co.clackamas.or.us Taxation (503) 988-3326 Washington (503) 846-8611 www.co.clackamas.or.us Taxation (503) 846-8741 ELECTRICITY Pacific Power (888) 221 7070 www.pacificpower.net Portland General (800) 542-8818 www.portlandgeneral.com

Kaiser Permanente Sunnyside (503) 813-2000 www.kaiserpermanente.org Kaiser Permanente Westside (503) 813-2000 www.kaiserpermanente.org OHSU (503) 494-8311 www.ohsu.edu Providence Milwaukie (503) 513-8300 www.providence.org Providence Portland (503) 215-1111 www.providence.org

HOSPITALS

Providence St. Vincent (503) 216-1234 www.providence.org

Adventist Medical (503) 257-2500 www.adventisthealthnw.com

Providence Willamette Falls (503) 656-1631 www.providence.org

Doernbecher Children’s Hospital (503) 494-8311 www.ohsu.edu

Shriner’s Hospital (503) 241-5090 www.shrinershq.org

Legacy Good Samaritan (503) 413-4683 www.legacyhealth.org Legacy Emanuel (503) 413-2200 www.legacyhealth.org

Tuality Community (503) 681-1111 www.tuality.org Tuality Forest Grove (503) 357-2173 www.tuality.org

The Columbian (360) 694-3391 www.columbian.com The Oregonian (503) 221-8240 www.oregonlive.com Willamette Weekly (503) 243-2122 www.wweek.com RECREATION Convention Center (503) 235-7575 www.oregoncc.org Expo Center (503) 736-5200 www.expocenter.org Mt. Hood Meadows (503) 337-2222 www.mthoodmeadows.com OMSI (503) 797-4000 www.omsi.edu Oregon Zoo (503) 266-1561 www.oregonzoo.com Portland International Raceway (503) 823-7223 www.portlandraceway.com Portland Art Museum (503) 266-2811 www.pam.org

RESOURCE GUIDE RECREATION CONTINUED...

SHOPPING CONTINUED...

VOTER REGISTRATION

Providence Park (503) 553-5400 www.providenceparkpdx.com

Streets of Tanasbourne (503) 533-0561 www.streetsoftanasbourne.com

Clackamas (503) 655-8510

Regal Cinemas (800) FANDANGO www.regalcinemas.com

Washington Square (503) 369-8860 www.shopwashingtonsquare.com

Moda Center (503) 797-9619 www.rosequarter.com

Woodburn Outlets (888) 664-SHOP www.woodburncompanystores.com

Willamette Jetboat (503) 231-1532 www.willamettejet.com

TELEPHONE SERVICE

SHOPPING

Verizon (800) 483-4100 www.verizon.com

Bridgeport Village (503) 968-1704 www.bridgeport-village.com

AT&T (800) 288-2020 www.att.com

Cedar Hills Crossing (503) 643-6563 www.cedarhillscrossing.com

TRANSFER STATIONS

Clackamas Town Center (503) 653-6913 www.clackamastowncenter.com Columbia Gorge Outlets (503) 669-8060 www.premiumoutlets.com/ columbiagorge Lloyd Center (503) 282-2511 www.lloydcenter.com Mall 205 (503) 255-5805 Pioneer Place (503) 228-5800 www.pioneerplace.com

Metro Center (503) 234-3000 www.oregonmetro.gov 6161 NW 61st Ave. Portland, OR Metro South (503) 234-3000 www.oregonmetro.gov 2001 Washington St. Oregon City, OR Clackamas County (503) 668-8885 www.wmnorthwest.com 19600 SE Canyon Valley Rd. Sandy, OR

Multnomah (503) 248-3720 Washington (503) 846-5800 WATER BUREAU Beaverton (503) 526-2257 Clackamas (503) 722-9220 Gladstone (503) 656-5223 Gresham (503) 618-2373 Hillsboro (503) 681-6228 Lake Oswego (503) 635-0265 Milwaukie (503) 786-7525 Oregon City (503) 657-8151 Portland (503) 823-7770 Tigard (503) 639-1554 Tualatin (503) 692-2000 West Linn (503) 656-4261 Wilsonville (503) 682-1011

TITLE & ESCROW

CYBER SECURITY Because of youâ&#x20AC;Ś 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 on how you want funds dispersed at the 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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CONSUMER EXPERIENCE TIMELINE TRANSACTION STARTED

TITLE REPORT DELIVERED

UPDATER INVITATION

NEARING YOUR SIGNING

TRANSACTION CLOSES

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

Notification is sent after Title Report is completed.

Notification is sent in conjunction with Title Cleared notification.

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

Notification sent one day after transaction is marked recorded.

EARNEST MONEY

MIDPOINT FEEDBACK

TITLE CLEARED

SIGNING SCHEDULED

Notification is sent when EM is received

by Escrow.

Notification is sent 10 days after Title Report is completed.

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

Notification is sent to both Buyer and Seller.

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

KEEP Notification is sent to Buyers every 90 days.

GET 5 STARS Invitation to provide feedback and rate your experience. Sent 3 days after transaction closes.

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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