23316 NW 2nd Ave, Ridgefield, WA

23316 NW 2nd Avenue Ridgefield, WA 98642

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

23316 NW 2ND AVE RIDGEFIELD WA 98642 986037988 CLARK COUNTY WA

Owner Information Owner Name:

BEAL RICHARD T / BEAL NATALIE R

Vesting:

MARRIED

Mail Address:

23316 NW 2ND AVE RIDGEFIELD WA 98642

Owner Status:

OwnerOccupied

Location Information

CARTY ROAD CLUSTER SUBDIV ADJ LOT 5 FOR ASSESSOR USE ONLY BEING A PORTION OF LOT 5 OF "CARTY ROAD CLUSTER SUBDIVISION" RECORDED IN BOOK 311 OF PLATS, PAGE 807, CLARK COUNTY AUDITORS RECORDS, LOCATED IN A PORTION OF THE NORTH HALF OF SECTION 34 OF TOWNSHIP 4 NORTH, RANGE 1 EAST WILLAMETTE MERIDIAN, CLARK COUNTY, WASHINGTON; COMMENCING AT THE NORTHWEST Legal Desc: CORNER OF LOT 5 OF SAID "CARTY ROAD CLUSTER SUBDIVISION", ALSO BEING AT A CENTERLINE ANGLE POINT OF NORTHWEST 2ND AVENUE; THENCE NORTH 89 14 09" EAST, ALONG THE NORTH LINE OF LOT 5, FOR A DISTANCE OF 16.01 FEET; THENCE SOUTH 88 37 16" EAST, ALONG THE NORTH LINE OF LOT5, FORA OISTANEE OF 12.95 FEET; THENCE SOUTH 88 38 50" EAST, ALONG THE NORTH LINE OF LOT 5, FER A DISTANCE OF 213.35 FEET; County: CLARK Alt Parcel # Census/Block: 040302 / 3042

School District:

Tsp-Rng-Sec:

T04N-R01E-S34

Municipality:

SD RIDGEFIELD

Lot / Block:

Lot: 5 Block:

Parcel #:

986037988

Housing Tract: CARTY ROAD CLUSTER SUBDIV Last Market Sale Date:

2017-02-22/2017-02-21

Lender:

Sale Price:

1275000

Loan:

Document #: 5379395

Document #:

Doc Type:

GENERAL WARRANTY DEED

Loan Type:

$ Sqft:

$239.84

Loan Term:

Prior Sale Information Date:

2016-02-24/2016-02-23

Lender:

Price:

225000

Loan:

Document #: 5259316 Doc Type:

GENERAL WARRANTY DEED

Document #: Loan Type:

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

Copyright © 1995-2020 CDS Marketing, Inc.

23316 NW 2ND AVE RIDGEFIELD WA 98642 986037988 CLARK COUNTY WA

Property Characteristics Gross Area:

6443

Garage Area:

Interior Wall

Living Area:

5316

Roof Shape:

Porch Type:

Above Grade: 6,443

Foundation:

Patio Type:

Bedrooms:

5

Roof Material: CEMENT/COMPOSITION Air Cond:

Bath (F/H):

2/2

Construction:

Fireplace:

1 STORY 2 OPENINGS

Heat Type:

Year Built:

2016

Cooling Type:

Equipment:

Parking Type: Garage

Exterior Wall:

Stories:

2

Units:

Rooms:

Pool:

No

Basement:

Quality:

EXCELLENT

Condition:

AVERAGE

Fixtures: HEAT PUMP

Floor:

Property Information Land Use:

SFR

County Use:

11

State Use:

Zoning:

R-5 : CLK

Lot Acres:

1.23

Lot Sqft:

53,579

Len/Wid:

/

Tax and Assessment Information Assd Year:

2020

Assd Value:

$1,362,757

Taxable Val:

$1,362,757

Tax Year:

2020

Land Value:

$296,583

Mkt Value:

$1,362,757

Tax Area:

10321

Imp Value:

$1,066,174

Exemption:

Property Tax:

$14,233.15

Improved %:

78%

District:

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

Copyright © 1995-2020 CDS Marketing, Inc.

23316 NW 2ND AVE RIDGEFIELD WA 98642 986037988 CLARK COUNTY WA

Averages

Avg Bedrooms

Avg Bathrooms

Avg Sqft

Avg Price

Avg $Sqft

2015

3.00

5.60

5,252

$846,917

$161

2016

4.00

5.50

4,927

$1,055,000

$214

2017

2.00

4.70

5,109

$706,010

$138

2018

3.00

4.50

5,033

$595,258

$118

2019

3.00

4.60

4,852

$789,800

$163

Average Sale Price $1,055,000 $846,917 $706,010

2015

2016

2017

$789,800 $595,258

2018

2019

Average $ Per Square Foot $214 $161

2015

$138

2016

2017

$163 $118

2018

2019

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

Copyright © 1995-2020 CDS Marketing, Inc.

23316 NW 2ND AVE RIDGEFIELD WA 98642 986037988 CLARK COUNTY WA

Female Population

7,841

11.5%

14.4%

0-9

10-19

6.7% 20-29

11.7%

16.2%

17.9%

16.4%

40-49

50-59

60-69

70+

15.1%

12.0%

60-69

70+

30-39

11.9%

Male Population

7,790

13.4%

16.1%

0-9

10-19

7.9%

9.1%

20-29

30-39

Education

14.0%

40-49

20.3%

50-59

Employment

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

4.9%

Working Age:

23.9% 39.7% 20.4% 11.2%

11,835 64.9%

Labor Force: Median Income:

$79,840 93.9%

Employed: Unemployed:

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

Copyright © 1995-2020 CDS Marketing, Inc.

6.1%

Exhibit “A�

The real property described above is commonly known as:

23316 NW 2nd Avenue Ridgefield, WA 98642

[__________] [__________] __________ Buyer Initials

Date

[__________] [__________] __________ Seller Initials

Date

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

23316 NW 2ND AVE RIDGEFIELD WA 98642 986037988 CLARK COUNTY WA

Ridgefield School District Elementary Schools Union Ridge Elementary 330 NORTH FIFTH AVENUE RIDGEFIELD WA 98642 Grades: KG to 06 Charter School: U Magnet School: U

360-887-0232 Area Desc: Rural: Fringe Distance: 0.71 Miles Title One: Y

South Ridge Elementary 502 NW 199TH STREET RIDGEFIELD WA 98642 Grades: PK to 06 Charter School: U Magnet School: U Middle Schools View Ridge Middle School 510 PIONEER STREET RIDGEFIELD WA 98642 Grades: 06 to 09 Charter School: U Magnet School: U

360-887-0234 Area Desc: Rural: Fringe Distance: 4.25 Miles Title One: N

Scotts Ridge Middle School 750 N Salem Rd Ridgefield CT 06877 Grades: 06 to 08 Charter School: N Magnet School: N High Schools Ridgefield High 2630 S HILLHURST ROAD RIDGEFIELD WA 98642 Grades: 09 to 12 Charter School: U Magnet School: U

203-894-3400 Area Desc: Rural: Fringe Distance: 2,579.64 Miles Title One: N

Ridgefield Park Junior/Senior High 1 OZZIE NELSON DRIVE RIDGEFIELD PARK NJ 07660 Grades: 07 to 12 Charter School: N Magnet School: U

201-440-1440 Area Desc: Suburb: Large Distance: 2,576.74 Miles Title One: N

360-887-0225 Area Desc: Rural: Fringe Distance: 0.55 Miles Title One: N

360-619-1320 Area Desc: Rural: Fringe Distance: 1.29 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 © 1995-2020 CDS Marketing, Inc.

Ri dgef i el dSchoolDi st r i ct 510PI ONEERSTREET RI DGEFI ELD,WA986429088

360.

619.

1302

( 201920Sc hool Year )

3, 502

3%

23%

70%

80% 9t hGr ader son Tr ackt oGr aduat e

60%

26% HaveHi ghEngl i sh LanguageAr t sGr owt h

59%

33% HaveHi ghMat h Gr owt h Fi nanc es ( 201718Sc hoolYear )

3 182 60.

4% 12.

17.

7

$7, 761 $2, 747

Al li nf or mat i oni sf ort he201819s c hoolyear ,unl es sot her wi s enot ed.Tos eemor ef r om t heWas hi ngt onSt at eRepor tCar d, v i s i tWas hi ngt onSt at eRepor t Car d.

OSPI . k 12. wa. us / Repor t Car d/ Vi ewSc hool Or Di s t r i c t / 100219 I fy ouhav eques t i onsorc omment s , c ont ac tRepor t Car dRedes i gn@k 12. wa. us

Sout hRi dgeEl ement ar y 502NW 199THSTREET RI DGEFI ELD,WA986425601

360.

619.

1500

( 201920Sc hool Year )

574

7%

73%

22%

90% HaveRegul ar At t endance

74%

36% HaveHi ghEngl i sh LanguageAr t sGr owt h

48% HaveHi ghMat h Gr owt h Fi nanc es ( 201718Sc hoolYear )

2 30 53.

3% 11.

17.

3

$7, 819 $2, 747

Al li nf or mat i oni sf ort he201819s c hoolyear ,unl es sot her wi s enot ed.Tos eemor ef r om t heWas hi ngt onSt at eRepor tCar d, v i s i tWas hi ngt onSt at eRepor t Car d.

OSPI . k 12. wa. us / Repor t Car d/ Vi ewSc hool Or Di s t r i c t / 100651 I fy ouhav eques t i onsorc omment s , c ont ac tRepor t Car dRedes i gn@k 12. wa. us

Vi ew Ri dgeMi ddl eSchool 3215SHi l l hur s tRd RI DGEFI ELD,WA986428571

360.

619.

1400

( 201920Sc hool Year )

537

2%

63%

26%

83% HaveRegul ar At t endance

56%

26% HaveHi ghEngl i sh LanguageAr t sGr owt h

57%

32% HaveHi ghMat h Gr owt h Fi nanc es ( 201718Sc hoolYear )

1 31 64.

5% 11.

14.

9

$8, 623 $2, 747

Al li nf or mat i oni sf ort he201819s c hoolyear ,unl es sot her wi s enot ed.Tos eemor ef r om t heWas hi ngt onSt at eRepor tCar d, v i s i tWas hi ngt onSt at eRepor t Car d.

OSPI . k 12. wa. us / Repor t Car d/ Vi ewSc hool Or Di s t r i c t / 100653 I fy ouhav eques t i onsorc omment s , c ont ac tRepor t Car dRedes i gn@k 12. wa. us

Ri dgef i el dHi ghSchool 2630SHI LLHURSTROAD RI DGEFI ELD,WA986429089

360.

619.

1323

( 201920Sc hool Year )

938

3%

82%

25%

60%

80%

38%

9t hGr ader son Tr ackt oGr aduat e

TookaDualCr edi t Cour se

58%

91% Gr aduat ei n4year s Fi nanc es ( 201718Sc hoolYear )

3 53 58.

5% 13.

17.

2

$7, 658 $2, 747

Al li nf or mat i oni sf ort he201819s c hoolyear ,unl es sot her wi s enot ed.Tos eemor ef r om t heWas hi ngt onSt at eRepor tCar d, v i s i tWas hi ngt onSt at eRepor t Car d.

OSPI . k 12. wa. us / Repor t Car d/ Vi ewSc hool Or Di s t r i c t / 100650 I fy ouhav eques t i onsorc omment s , c ont ac tRepor t Car dRedes i gn@k 12. wa. us

COMMUNITY

CITY OF RIDGEFIELD

4,763

POPULATION 2010 Census Data

MALE 49.9%

$46,012

FEMALE 50.1%

32.4

MEDIAN INCOME

MEDIAN AGE

2000 Census Data

2010 Census Data

Ridgefield is a city in the pastoral, rolling-hills countryside of northern Clark County. Ridgefield is

notable for the significant Native American and Lewis and Clark Expedition history of the area, but is also the headquarters of the Ridgefield National Wildlife Refuge, a primary reserve for migrating waterfowl on the Pacific Flyway, and the Ridgefield High School "Spudders" (reflecting the area's potato-farming heritage).

SCHOOL DISTRICTS 

Ridgefield

HOUSING

2010 Census Data  

78.59% of homes owner occupied 21.41% of homes rented

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

CITY QUICK FACTS 

POPULATION DENSITY 2010 Census Data  

672.7 inhabitants per sq. mile 1,695 housing units at an average density of 239.4 per square mile

33.5% under age 18 6.2% between ages 18 to 24 29.7% between ages 25 to 44 22.9% between ages 45 to 64 7.7% above age 65

    

Formerly known as Union Ridge and renamed in 1890 to Ridgefield U-Haul started here in 1945 7.18 square miles 112 feet elevation Highest Average Temperature 79º Lowest Average Temperature 32º

The area has important ties to the Lewis and Clark Expedition of 1804–1806, being close to the

Chinookan town of Cathlapotle, then a settlement of 700-800 people, with at least 14 substantial plank houses. The community's ties to the Chinookan people was commemorated by the construction of a replica of a Cathlapotle plank house at the nearby Ridgefield National Wildlife Refuge, which was dedicated March 29, 2005.

Â

CLARK COUNTY BASE MAP

Your Local Market Report RidgeďŹ eld, WA 98642 REPORT FOR 6/10/2020 Single-Family Homes

Presented by WFG National Title Company reports@wfgnationaltitle.com

Single-Family Homes

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

Ridgefield, WA 98642 Real-Time Market Profile

This week the median list price for Ridgefield, WA 98642 is $463,625 with the market action index hovering around 32. This is less than last month's market action index of 33. Inventory has held steady at or around 178.

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

40

Buyer's Market

50

60

20

10

90

32

100

ay Tod

M

80

Last

th on

0

Seller's Market

70

30

Slight Seller's Advantage The market has started cooling and prices have been flat for several weeks. Since we’re in the Seller’s zone, watch for changes in MAI. If the MAI resumes its climb, prices will likely follow suit. If the MAI drops consistently or falls into the Buyer’s zone, watch for downward pressure on prices.

Median List Price

$463,625

Per Square Foot

$223

Days on Market

107

Price Decreased

26%

Price Increased

16%

Relisted

8%

Inventory

178

Median Rent

$1,995

Most Expensive

$3,975,000

Least Expensive

$300,000

Market Action

32

Slight Seller's Advantage

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

$783,500

3,164

1 - 2.5 acres

4

3

14

3

2

145

$516,000

2,561

6,500 - 8,000 sqft

4

2

0

2

3

138

$442,000

1,994

4,500 - 6,500 sqft

4

2

0

3

5

66

$384,900

1,665

4,500 - 6,500 sqft

3

2

0

3

4

80

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2 of 6

Single-Family Homes

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

Ridgefield, WA 98642

Median List Price

Again this week we see prices in this zip code remain roughly at the level they’ve been for several weeks. Since we’re significantly below the top of the market, look for a persistent up-shift in the Market Action Index before we see prices move from these levels. $575K

$550K

$525K

$500K

$475K

$450K

$425K Jun 2017

Oct 2017

Feb 2018

Jun 2018

Oct 2018

7-Day Average

Feb 2019

Jun 2019

Oct 2019

Feb 2020

Jun 2020

90-Day Average

Segments

In the quartile market segments, we see prices in this zip code have settled at a price plateau across the board. Prices in all four quartiles are basically mixed. Look for a persistent shift (up or down) in the Market Action Index before prices move from these current levels. $1.0M

$800K

$600K

$400K

$200K Jun 2017

Oct 2017

Feb 2018

Jun 2018

Oct 2018

Feb 2019

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

Jun 2019

Oct 2019

Feb 2020

Jun 2020

Third/Lower 90-Day

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3 of 6

Single-Family Homes

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RidgeďŹ eld, WA 98642

Price Per Square Foot

The market plateau is seen across the price and value. The price per square foot and median list price have both been reasonably stagnant. Watch the Market Action Index for persistent changes as a leading indicator before the market moves from these levels. $230

$220

$210

$200

$190

$180

$170 Jun 2017

Oct 2017

Feb 2018

Jun 2018

Oct 2018

7-Day Average

Feb 2019

Jun 2019

Oct 2019

Feb 2020

Jun 2020

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

175

150

125

100

75

50 Jun 2017

Oct 2017

Feb 2018

Jun 2018

Oct 2018

7-Day Average

Feb 2019

Jun 2019

Oct 2019

Feb 2020

Jun 2020

90-Day Average

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4 of 6

Single-Family Homes

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

Ridgefield, WA 98642

Market Action Index

The market has started cooling and prices have been flat for several weeks. Since we’re in the Seller’s zone, watch for changes in MAI. If the MAI resumes its climb, prices will likely follow suit. If the MAI drops consistently or falls into the Buyer’s zone, watch for downward pressure on prices.

70

60

50

40

30

20

10 Jun 2017

Oct 2017

Feb 2018

Jun 2018

Oct 2018

7-Day Average

Feb 2019

Jun 2019

Oct 2019

Feb 2020

Jun 2020

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.

80 70

60 50

40 30

20 Jun 2017

Oct 2017

Feb 2018

Jun 2018

Oct 2018

Feb 2019

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

Jun 2019

Oct 2019

Feb 2020

Jun 2020

Third/Lower 90-Day

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Single-Family Homes

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RidgeďŹ eld, WA 98642

Average Days on Market (DOM)

The properties have been on the market for an average of 103 days. Half of the listings have come newly on the market in the past 62 or so days. Watch the 90-day DOM trend for signals of a changing market.

160

140

120

100

80

60 Jun 2017

Oct 2017

Feb 2018

Jun 2018

Oct 2018

7-Day Average

Feb 2019

Jun 2019

Oct 2019

Feb 2020

Jun 2020

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 Jun 2017

Oct 2017

Feb 2018

Jun 2018

Oct 2018

Feb 2019

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

Jun 2019

Oct 2019

Feb 2020

Jun 2020

Third/Lower 90-Day

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23316 NW 2ND AVE RIDGEFIELD WA 98642 986037988 CLARK COUNTY WA

Animal - Services Name

Address

Brinton, Meg R DVM - Ridgefie Stevens, Patricia DVM - Timbe

Telephone

Distance

20913 NE 15th Ave

360-887-8979

4.04 Mi

214 Bozarth Ave

360-225-5044

6.14 Mi

Zborowski, Fredrick DVM - Com

800 NE Tenney Rd

360-546-0055

7.57 Mi

Mountain View Veterinary Hosp

13914 NE 16th Ave

360-574-7290

7.59 Mi

Cleveland, William J DVM - Sa

12709 NE Highway 99

360-574-0833

8.20 Mi

Banks Name

Address

Telephone

Distance

First Independent Bank

305 NW Pacific Hwy

360-263-2161

2.17 Mi

First Independent Bank - LA C

405 NW Pacific Hwy

360-263-2161

2.21 Mi

First Independent Bank - Bran

228 Simons St

360-699-4276

3.61 Mi

Oregon First Community Credit

220 Pioneer St

360-887-4876

3.66 Mi

Twin City Bank

115 Davidson Ave

360-225-0132

6.06 Mi

Coffee Shops Name

Address

Telephone

Distance

Wake Up America

4633 S 11th Way

360-518-2650

2.09 Mi

Starbucks: Albertsons-Battle

2108 W Main St

360-687-4130

6.50 Mi

Milano Expresso

1519 Pacific Ave

360-225-6271

6.53 Mi

Starbucks: Safeway - Woodland

1725 Pacific Ave

360-225-4370

6.68 Mi

Starbucks: 1999 Pacific Ave-

1999 Pacific Ave

360-225-4709

6.85 Mi

Credit Unions Name

Address

Telephone

Distance

Peoples Community Credit Unio

121 NW 20th Ave

360-687-3848

6.49 Mi

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

Copyright © 1995-2020 CDS Marketing, Inc.

23316 NW 2ND AVE RIDGEFIELD WA 98642 986037988 CLARK COUNTY WA

Credit Unions Name

Address

Telephone

Distance

Columbia Credit Union St Helens Community Fed CU

401 NW 12th Ave

360-666-8448

6.78 Mi

1720 Saint Helens St

503-397-2376

7.17 Mi

Eating and Drinking Places Name

Address

Telephone

Distance

Country Cafe Ridgefield Subway Sandwiches & Salads

6370 Pioneer St

360-887-8201

1.04 Mi

109 S 65th Ave

360-887-3948

1.12 Mi

Double Down Saloon & Casinos

318 NW Pacific Hwy

360-263-2988

2.17 Mi

New Phoenix

225 W 4th St

360-263-1221

2.21 Mi

New Phoenix Casino

105 W 4th St

360-263-1255

2.22 Mi

Golf Courses Name

Address

Telephone

Distance

Tri-Mountain Golf Course

1701 NW 299th St

360-887-3004

0.65 Mi

Pine Crest Golf Course

2415 NW 143rd St

360-573-2051

7.55 Mi

Lewis River Golf Course

3209 Lewis River Rd

360-225-8254

7.63 Mi

Bowyer's Par 3 Golf Course

11608 NE 119th St

360-892-3808

10.30 Mi

Grocers and Supermarkets Name

Address

Telephone

Distance

Lil' General Food Store

127 E 4th St

360-263-2029

2.23 Mi

LA Center Market Place

419 E 4th St

360-263-4552

2.26 Mi

Ridgefield Food Center

203 Pioneer St

360-887-8101

3.66 Mi

Safeway Food & Drug

1001 Pacific Ave

360-225-4375

6.24 Mi

Northwest Organic Farm

17713 Northwest 61st Avenue

360-573-4868

6.29 Mi

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

Copyright © 1995-2020 CDS Marketing, Inc.

23316 NW 2ND AVE RIDGEFIELD WA 98642 986037988 CLARK COUNTY WA

Grocers and Supermarkets Name

Address

Telephone

Distance

Health Clubs and Spas Name

Address

Telephone

Distance

Curves

419 E 4th St

360-263-4400

2.26 Mi

Snap Fitness

1307 Lewis River Rd

360-225-1111

6.36 Mi

Reach For the Stars Dance St

1155 Hoffman St

360-225-0640

6.38 Mi

Anytime Fitness

1538 Columbia Blvd

503-397-0027

7.05 Mi

Curves

1775 Saint Helens St

503-397-3355

7.19 Mi

Hospitals - Acute Care Name

Address

Telephone

Distance

Legacy Salmon Creek Medical C

2211 NE 139th St

360-487-1000

7.62 Mi

Nursing Homes Name

Address

Telephone

Distance

Woodland Convalescent Center

310 4th St

360-225-9443

6.12 Mi

Victory Health & Rehab Of Bat

510 N Parkway Ave

360-687-5141

7.29 Mi

Offices and Clinics of Dentists Name

Address

Telephone

Distance

Carl C Futenma

S 78th Pl

360-574-3061

1.08 Mi

Joseph F Sepe

1007 Ne 264th St #1

360-887-2310

1.38 Mi

Sepe, Joseph Dds

1007 Ne 264th St, #st-1

360-887-2310

1.40 Mi

Francis C Alder

8700 Ne Hazel Dell Ave

360-574-8700

3.50 Mi

Roxane A Oshiro

1057 Ne 12th Ave

360-414-1300

6.10 Mi

Telephone

Distance

360-887-3532

3.36 Mi

Offices and Clinics of Medical Doctors Name Address Carolee's MT View

888 S Hillhurst Rd

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

Copyright © 1995-2020 CDS Marketing, Inc.

23316 NW 2ND AVE RIDGEFIELD WA 98642 986037988 CLARK COUNTY WA

Offices and Clinics of Medical Doctors Name

Address

Telephone

Distance

Brinton Meg R DVM Ridgefield Martin Wayne H Veterinarian

20913 NE 15th Ave

360-887-8979

4.04 Mi

9804 NE 219th St

360-687-7151

5.88 Mi

Johnson Ellis MD

527 2nd St

360-225-8911

6.12 Mi

Pritchard, William J DDS - Pr

2404 W Main St, #110

360-695-1578

6.38 Mi

Pharmacies Name

Address

Telephone

Distance

Accent Eye Care, Llc

2 S 56th Pl

360-891-1331

1.31 Mi

Affinity Counseling And Treat

8507 S 5th St

360-887-0707

1.41 Mi

Cowlitz County Fire District

160 Pinkerton Drive

360-225-7462

5.27 Mi

A Touch Of Country Massage

39511 NE Christensen Rd

360-263-7423

5.96 Mi

Core Chiropractic-woodland

1227 North Goerig Street

360-225-1200

6.33 Mi

Places of Religion Name

Address

Telephone

Distance

St Mary Of Guadalupe Church

1901 N 65th Ave

360-887-8194

0.41 Mi

Mountain View Christian Ctr

2810 NE 259th St

N/A

2.11 Mi

Church of the Nazarene

PO Box 118

N/A

3.50 Mi

Ridgefield Community United

PO Box 446

N/A

3.50 Mi

Church of the Nazarene

801 NE 194th St

N/A

4.79 Mi

Retirement Communities Name

Address

Telephone

Distance

Ridgefield Living Center

104 Pioneer Ln

360-887-5066

3.15 Mi

Spring Meadows Assisted Livin

36070 Pittsburg Road Ofc

503-397-0401

7.22 Mi

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

Copyright © 1995-2020 CDS Marketing, Inc.

23316 NW 2ND AVE RIDGEFIELD WA 98642 986037988 CLARK COUNTY WA

Retirement Communities Name

Address

Telephone

Distance

Highgate Senior Living Arbor Ridge Assisted Living C

9803 NE Hazel Dell Ave

360-571-7272

9.56 Mi

9501 NE Hazel Dell Ave

360-576-8883

9.70 Mi

Prestige Assisted Living at H

7514 Northeast 13th Avenue Ofc

360-693-2402

9.92 Mi

Veterinary - Emergency Services Name

Address

Telephone

Distance

VCA Battle Ground Animal Hosp

9804 NE 219th St

360-369-6026

5.87 Mi

Woodland Veterinary Hospital

236 Davidson Ave

360-225-9469

6.10 Mi

Alder Creek Veterinary

209 SE 1st St

360-687-3141

7.54 Mi

Neighborhoold Pet Clinic

10015 NE Hazel Dell Ave

360-546-5534

9.45 Mi

Veterinary - Medicine Name

Address

Telephone

Distance

Countryside Veterinary Servic

2601 NE 259th St

360-887-7814

2.06 Mi

Lubbers Scott DVM

12301 NE 152nd St

360-892-7524

9.11 Mi

Arcpoint Drug Alcohol & Dna T

11800 NE 95th St

971-925-5597

11.33 Mi

Arcpoint Drug, Alcohol & DNA

11800 NE 95th St, Ste 200

360-601-0614

11.33 Mi

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

Copyright © 1995-2020 CDS Marketing, Inc.

UTILITIES & RESOURCES

UPDATER Organize and complete all your moving-related tasks at no cost to you!

WFG National Title has partnered with Updater to provide a better moving experience. This concierge service has been paid for and reserved especially for your client. All you need to do now is log onto your Dashboard.

Updater is the trusted way to:  Forward your mail  Update your accounts  Connect utilities  Hook up home services  Search move-in special offers  Share moving announcements with digital announcements to friends & family

To activate your dashboard; log onto www.WFGupdaterWA.com

RIDGEFIELD 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 CenturyLink (866) 963-6665 www.centurylinkcom Dish Network (800) 318-0572 www.dish.com DIRECT TV (800) 531-5000 www.directtv.com

The Reflector (360) 687-5151 www.thereflector.com The Columbian (360) 694-2312 www.oregonlive.com TRI-MET (503) 238-7433 www.trimet.org C-Tran Transit (360) 695-8918 www.c-tran.com Northwest Natural Gas (800) 422-4012 www.nwnatural.com Clark Public Utilities (360) 992-3000 www.clarkpublicutilities.com Waste Connections (360) 892-5370 www.wcnorthwest.com Ridgefield School District (360) 619-1301 www.ridgefieldsd.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.

AUTO REGISTRATION AND DRIVER LICENSING Below is the website if you would like to change your address online or you can visit your local department of licensing.

Department of Licensing Clark County Auto License Department 1408 Franklin Street (360) 397-2288 BATTLEGROUND 301 W Main Street #101 (360) 687-5115

RIDGEFIELD JUNCTION AUTO LICENSE 2 South 56th Place Suite 103 (360) 887-2345

HAZEL DELL AUTO LICENSE 7904 NE 6th Avenue Suite B (360) 574-0086

CAMAS 3316 NE 3rd Avenue (360) 835-2977

CASCADE PARK AUTO LICENSE SERVICES 1301 NE 136th Avenue (360) 892-1877

HWY 99 AUTO LICENSE True Value Hardware 13009 NE Highway 99 (360) 573-6226

HEIGHTS AUTO LICENSE 221 NE 104th Avenue Suite 104 (360) 695-2122

EASTSIDE AUTO LICENSE 2011 SE 192nd Avenue Suite 103 (360) 833-1717

ORCHARDS 11110 NE Fourth Plain Blvd (360) 254-6226

VOTER REGISTRATION TO REGISTER TO VOTE, YOU MUST BE:



A citizen of the USA



A Legal Resident of Washington State at least 18 years of age on or before the next election.

In the State of Washington, you do not have to register by political party or declare a political party membership to vote in the state’s regular primaries or general election.

HOW TO REGISTER Washington citizens have access to several convenient methods of signing up to vote, including registration by mail and Motor Voter registration.

Mail in registration forms are available from your county auditor or county elections department as well as other government offices, public libraries and schools.

Motor Voter registration is offered when you renew or apply for your driver’s license.

In most instances it takes less than a minute.

REGISTRATION DEADLINE You may register to vote at any time, but you must be registered at least 30 days before an election, if you want to vote on election day.

You may also register between 15 and 30 days before an election, but you must do so at a location designated by the county elections officer, and you will be required to vote by absentee ballot.

CHANGE OF ADDRESS If you move to a new county, you must complete a new voter registration, otherwise you must request a transfer of your registration.

Voter Information Hotline: (800) 448-4881 TTY (800) 422-8683 Clark County Voter Registration: (360) 397-2345

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 E Vancouver (360) 254-6289 330 SE 192nd Avenue Vancouver, WA 98683 Vancouver (360) 253-3993 8601 NE Andresen Rd Vancouver, WA 98665 Jantzen Beach (503) 289-9200 1728 N Tomahawk Island Dr. Portland 97217 NE Portland (503) 252-0188 11633 NE Glen Widing Dr. Portland 97220

DONATION FACILITIES Goodwill (800) 741-0186 locator.goodwill.org The Salvation Army (800) 958-7825 www.salvationarmyusa.org

MOVING TRUCK RENTALS Budget (800) 462-8343 www.budgettruck.com Penske (888) 996-5415 www.pensketruckrental.com Ryder (800) 297-9337 www.ryder.com

LOWES (800) 466-3337 www.lowes.com

U-Haul (800) 468-4285 www.uhaul.com

E. Vancouver (360) 260-2120 18801 SE Mill Plain Blvd Vancouver, WA 98662

STORAGE COMPANIES

Lacamas Lake (360) 514-9660 11413 NE 76th St Vancouver, WA 98683 Portland -Delta Park (503) 737-3000 1160 N Hayden Meadows Dr. Portland 97217

NW Self Storage www.nwselfstorage Public Storage (800) 906-0879 www.publicstorage.com Pods (888) 309-8967 www.pods.com

TRANSFER STATIONS Garbage/Recycling Central Transfer & Recycling (360) 256-8482 columbiaresourcecompany.com 11034 NE 117th Avenue Vancouver, WA 98686 Washougal Transfer Station (360) 835-2500 columbiaresourcecompany.com 4020 S Grant Street Washougal, WA 98671 West Vancouver (360) 737-1727 columbiaresourcecompany.com 6601 NW Old Lower River Rd Vancouver, WA 98660

RESOURCE GUIDE AIRPORT

CHAMBER OF COMMERCE

CITY CONTACT CONTIUED...

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

Battle Ground (360) 687-1510

Yacolt Police Fire City Hall

Clark Co. Sherriff (360) 686-3271 (360) 686-3922

Washougal Police Fire City Hall

(360) 835-8701 (360) 835-2662 (360) 835-8501

CITY CONTACT

Woodland Police Fire City Hall

(360) 225-8981 (360) 225-7462 (360) 225-8281

FOR ALL EMERGENCIES DIAL 911

COUNTY CONTACT

AUTO & DRIVER REGISTRATION Department of Licensing (360) 397-2288 www.dol.wa.gov BUS SERVICE C-Tran (360) 695-0123 www.c-tran.com Blue Star (360) 573-9412 www.bluestarbus.com Greyhound (800) 231-2222 www.greyhound.com Tri-Met (503) 238-7433 www.tri-met.org CABLE / SATELLITE & INTERNET CenturyLink (855) 380-4150 www.centurylink.com Dish (844) 754-6269 www.dish.com Directv (877) 699-7824 www.diretv.com XFINITY (Comcast) (800) 934-6489 www.comcast.com

Camas/Washougal (360) 834-2472 La Center (360) 263-4636 Vancouver (360) 694-2588

Clark County Sheriff (360) 397-2211 Washington State Patrol (360) 449-7999 Battle Ground Police (360) 342-5100 Fire (360) 687-6968 City Hall (360) 342-5000 Camas Police Fire City Hall

(360) 834-4151 (360) 834-2262 (360) 834-6864

La Center Police Fire City Hall

(360) 263-2745 (360) 263-5500 (360) 263-2782

Ridgefield Police Fire City Hall

(360) 887-3556 (360) 887-4609 (360) 887-3557

Vancouver Police Fire City Hall

(360) 487-7355 (360) 487-7305 (360) 696-8121

Clark (360) 397-2000 www.clark.wa.gov Cowlitz (360) 577-3010 www.co.cowlitz.wa.us EDUCATION Education Service District (360) 750-7500 www.esd112.org Battle Ground School District (360) 885-5300 www.battlegroundps.org Camas School District (360) 833-5400 www.camas.wednet.edu Evergreen School District (360) 604-4000 www.evergreenps.org Green Mountain School District (360) 225-7366 www.greenmountainschool.us

RESOURCE GUIDE EDUCATION CONTIUNED...

HOSPITALS CONTIUNED...

RECREATION

Hockinson School District (360) 448-6400 www.hocksd.org

PORTLAND AREA

Bravo!

(360) 906-0441 www.bravoconcerts.com

La Center School District (360) 263-2131 www.lacenterschools.org Mt Pleasant School District (360) 835-3371 www.mtpleasantschool.org Ridgefield School District (360) 619-1300 www.ridge.k12.wa.us Vancouver School District (360) 313-1000 www.vansd.org Washougal School District (360) 954-3000 www.washougal.k12.or.us Woodland School District (360) 841-2700 www.woodlandschools.org COLLEGES / UNIVERSITIES Clark College (360) 699-6398 www.clark.edu Washington State University (360) 546-9788 www.vancouver.wsu.edu HOSPITALS Legacy Health Salmon Creek (360) 487-1000 www.legacyhealth.org PeaceHealth (360) 514-2000 www.peacehealth.org

Adventist Medical (503) 257-2500 www.adventisthealthnw.com Doernbecher Children’s Hospital (503) 494-8311 www.ohsu.edu Legacy Health (503) 335-3500 www.legacyhealth.org Kaiser Permanente (503) 813-2000 www.kaiserpermanente.org OHSU (503) 494-8311 www.ohsu.edu Providence Portland (503) 574-6595 www.providence.org Shriner’s Hospital (503) 241-5090 www.shrinershq.org Tuality (503) 681-1111 www.tuality.org NEWSPAPERS Camas-Washougal Post-Record (360) 834-2141 www.camaspostrecord.com The Columbian (360) 694-3391 www.columbian.com The Reflector (360) 687-5151 www.thereflector.com

Cedar Creek Grist Mill (360) 225-5832 www.cedarcreekgristmill.org Chelatchie Prairie Railroad (360) 686-3559 www.tickets.bycx.org Cinetopia (503) 597-6900 www.cinetopia.com Clark County Historical Museum (360) 882-0936 www.columbiasprings.org Columbia Springs (360) 993-5679 www.cchmuseum.org Convention Center (503) 235-7575 www.oregoncc.org Expo Center (503) 736-5200 www.expocenter.org Fort Vancouver National Historic Site (360) 816-6230 www.nps.gov Hulda Klager Lilac Gardens www.lilacgardens.com Mt. Hood Ski Bowl (503) 272-3206 www.skibowl.com Mountain View Ice Arena (360) 896-8700 www.mtviewice.com

RESOURCE GUIDE RECREATION CONTINUED...

RECREATION CONTINUED…

UTILITIES

NatureScaping Wildlife Botanical Gardens (360) 737-1160 www.naturescaping.org

Vancouver Symphony (360) 735-7278 www.vancouversymphony.org

Battle Ground Water/Sewer (360) 342-5000 Garbage (360) 892-5370

Water Resources Education North Clark Historical Museum Center (360) 247-5800 (360) 487-71111 www.amboywa.com www.cityofvancouver.us

Camas Water/Sewer (360) 817-1567 Garbage (360) 834-2462 Recycling (360) 892-5370

Officers Row (360) 992-1800 www.cityofvancouver.us

Ridgefield Water/Sewer (360) 887-8251 Garbage (360) 592-5370

OMSI (503) 797-4000 www.omsi.edu Oregon Zoo (503) 266-1561 www.oregonzoo.com Pearson Air Museum (360) 816-6232 www.nps.gov Pomeroy Farm (360) 686-3537 www.pomeroyfarm.org Ridgefield National Wildlife Refuge (360) 887-4106 www.fws.gov Regal Cinemas (800) FANDANGO www.regalcinemas.com Sunlight Supply Amphitheater (360) 816-7000 sunlightsupplyampitheater.com Two Rivers Heritage Museum (360) 835-8742 www.2rhm.com Vancouver Landing W of 100 Columbia Street

SHOPPING Cascade Station (503) 643-8389 www.shopcascadestation.com Columbia Crossing (360) 737-6300 www.columbiatechcenter.com Jantzen Beach Center (503) 336-9202 www.jantzenbeachpdx.com Vancouver Mall (360) 256-8122 www.shopvancouvermall.com TRANSFER STATIONS Central Transfer & Recycling (360) 256-8482 columbiaresourcecompany.com 11034 NE 117th Avenue Vancouver, WA 98686 Washougal Transfer Station (360) 835-2500 columbiaresourcecompany.com 4020 S Grant Street Washougal, WA 98671 West Vancouver (360) 737-1727 columbiaresourcecompany.com 6601 NW Old Lower River Rd Vancouver, WA 98660

Washougal Water/Sewer (360) 835-8501 Garbage (360) 892-5370 Clark Public Utilities (360) 992-3000 www.clarkpublicutilities.com Clark County Septic (360) 397-8428 www.clark.wa.gov Clark Regional Wastewater (360) 750-5876 www.crwwd.com NW Natural (800) 422-4012 www.nwnatural.com Waste Connections (360) 892-5370 www.wcnorthwest.com USPS (800) 275-8777 www.usps.com VOTER REGISTRATION Clark County (360) 397-2345

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 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).

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.

What’s involved in a title search?

A title search is actually made up of three separate searches: 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 WASHINGTON Seller Pays For... 

Real estate commission



Owner’s title insurance premium



Escrow fee, one half1



Real estate excise tax (1.78%2 based on sales price)



Loan costs required under the FHA/VA provisions of contract 4 Payoff of all loans in Seller’s name (or existing loan balance if being assumed by Buyer)



Statement fees, reconveyance fees (including associated recording charges) and any loan prepayment penalties



Buyer Pays For... 

Lender’s title insurance premium (if applicable)



Escrow fee, one half1



Recording charges for all documents in buyer’s name



Inspection Fees1



Tax pro-ration (for any taxes from time of transfer of title to end of the tax payment period)



All new loan charges (except for those required by lender for seller to pay)



Hazard insurance premium for first year



Interest on new loan from date of funding to 30 days prior to first payment



Work orders, such as termite inspection or home repairs1



Home warranty1



Document preparation (if applicable)



Encumbrances (such as judgements and tax liens) against the seller



Home warranty1



Notary fees (if applicable)



Courier fees (if applicable)



Tax pro-ration (for any unpaid taxes up to time of transfer of title)



Delinquent taxes



Unpaid homeowner’s dues



Assessments or bonds1



Notary fees (if applicable)



Courier fees (if applicable)

1

Subject to Purchase and Sale

2

State Excise Tax is 1.28% plus 0.50% for County Tax (May vary by county, consult with your Escrow Officer)

3

Financing Addendum to PSA - $300 maximum for any fees that lender can charge to Buyer

4

Up to $300 FHA/USDA/VA loans and buyer’s share of the escrow fee for a VA loan

This flyer is not intended to be an all-inclusive list of fees and charges on every transaction, but rather a guide to the major costs of buying or selling real property. WFG would be happy to review and explain your closing cost prior to finalizing the transactions.

TITLE VESTING

COMMON WAYS TO HOLD TITLE TO REAL PROPERTY JOINT TENANCY

TENANCY IN COMMON

COMMUNITY PROPERTY

PARTNERSHIP

PARTIES

Any number of persons

Any number of persons

Married persons and domestic partners

Related or unrelated parties

DIVISION

Ownership interests must be equal

Ownership can be divided into any number of interests, equal or unequal

Husband and wife’s or domestic partner’s interest must be equal

Ownership interest is in relation to interest in the partnership

There is only one title to the whole property

Each co-owner has a separate title to his or her undivided interest

Each co-owner’s There is only one interest is owned title to the whole in partnership property for partnership purposes

Purchaser will Purchaser will become a tenant become a tenant in common with in common with the other owners the other owners of the property of the property

Purchaser cannot Purchaser can only acquire the acquire one owner’s interest whole title unless he or she and hold as community becomes a property partner

TITLE

PURCHASER

Individual All owners must co-owners do not on use and need the consent CONVEYANCE agree disposition of of the other to property use or dispose

DEATH

SUCCESSOR’S STATUS

Husband and wife or domestic partners must agree to use and disposition of property

Partnership sets parameters for use and disposition of the property

Property passes to survivors without going through probate

Partnership On spouse’s/ Individual's domestic interest passes to interest passes to partner’s death, designated heirs designated heirs surviving spouse/ who would through probate domestic partner become partners

Last survivor owns property

Surviving spouse or domestic partner owns property

Devisees or heirs become tenants in common

Devisees or heirs have no rights in specific partnership property

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

We created WFG’s MyHome® to make the closing experience better for everyone.

MyHome® provides unparalleled transparency, real time updates and post-closing home information in a secure web environment. This gives a personalized experience for tracking the progress of your real estate transaction. Fully responsive, mobile-first and built with you and your clients in mind.

Sign up for an account at wfgmyhome.com/client

#becauseofyou

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.