245 St James Pl , Longview - Unbound H&C by mwidman-wfgnationaltitle

PROPERTY ADDRESS

245

OWNER NAME: Dvb Properties LLC

VESTING: Limited Liability Partnership

MAILING ADDRESS: 4619 SE 17th Ct Brush Prairie WA 98606

OWNER STATUS: Non-owner occupied

COUNTY: Cowlitz

CENSUS / BLOCK: 000902 / 1000

TSP - RNG - SEC: 08N - 02W - 16

LOT / BLOCK: 26 / 1

HOUSING TRACT: Cedar Brook Est Ph 02

ALT PARCEL #: 3046645

SCHOOL DISTRICT: Kelso

MUNICIPALITY: Longview

PARCEL #: 625740251

DATE: 01/17/2025

SALE PRICE: $42,000

DOCUMENT #: 3764027

DATE: 08/15/2018

SALE PRICE: $32,000

DOCUMENT #: 3599260

DOC TYPE: Warranty Deed DOC TYPE: Warranty Deed

SQUARE FOOT $:

LENDER:

LENDER: LOAN: $0

LOAN: LOAN TYPE:

LOAN TYPE:

LOAN TERM:

GROSS AREA:

LIVING AREA:

ABOVE GRADE:

BEDROOMS:

BATHROOMS (F/H): 0 / 0

FIREPLACE: 0

YEAR BUILT:

PARKING TYPE:

UNITS:

BASEMENT:

GARAGE AREA: ROOF SHAPE:

FOUNDATION:

ROOF MATERIAL:

CONSTRUCTIONS:

HEAT TYPE:

COOLING TYPE:

EXTERIOR WALL: ROOMS:

QUALITY:

INTERIOR WALL:

PORCH TYPE:

PATIO TYPE:

AIR COND:

FIXTURES:

FLOOR:

EQUIPMENT:

STORIES: POOL:

CONDITION:

LAND USE: 0 - 1.00 Acre

ZONING: Urban Residential

COUNTY USE: LOT ACRES: 0.2961

STATE USE: LOT SQ FT: 12,898

LEN / WID:

ASSD YEAR: 2024

ASSD VALUE: $39,500

TAXABLE VAL:

TAX YEAR: 2025

LAND VALUE: $39,500

MKT VALUE: $39,500

TAX AREA: 835

IMP VALUE:

EXEMPTIONS:

PROPERTY TAX: $473.95

IMPROVED %:

DISTRICT:

MAPS

ASSESSORMAP

STREET

AERIAL MAP

CITY Y BOUNDARY Y MAP P

SCHOOLS

ELEMENTARY SCHOOLS

NAME:

CHARTER SCHOOL: No

ADDRESS:MAGNET SCHOOL: No

CITY, STATE, ZIP:AREA DESCRIPTION: 23-Suburb: Small

PHONE: DISTANCE: 0.79 mile(s)

GRADES: , (360)501-1450 Kindergarten - 5th Grade

NAME: Catlin Elementary

ADDRESS: 404 Long Ave.

TITLE ONE: 1-Yes

CHARTER SCHOOL: No

MAGNET SCHOOL: No

CITY, STATE, ZIP: Kelso, WA 98626 AREA DESCRIPTION: 23-Suburb: Small

PHONE: (360)501-1550

GRADES: Kindergarten - 5th Grade

MIDDLE SCHOOLS

NAME: Cascade Middle School

ADDRESS: 2821 Parkview Drive

CITY, STATE, ZIP: Longview, WA 98632

PHONE: (360)575-7772

GRADES: 6th Grade - 8th Grade

NAME: Huntington Middle School

ADDRESS: 500 Redpath

2.03 mile(s)

TITLE ONE: 1-Yes

CHARTER SCHOOL: No

MAGNET SCHOOL: No

AREA DESCRIPTION: 13-City: Small

DISTANCE: 1.30 mile(s)

TITLE ONE: 1-Yes

CHARTER SCHOOL: No

MAGNET SCHOOL: No

CITY, STATE, ZIP: Kelso, WA 98626 AREA DESCRIPTION: 13-City: Small

PHONE: (360)501-1700

2.18 mile(s)

GRADES: 6th Grade - 8th Grade TITLE ONE: 1-Yes

HIGH SCHOOLS

NAME: Mark Morris High School

ADDRESS: 1602 Mark Morris Court

CHARTER SCHOOL: No

MAGNET SCHOOL: No

CITY, STATE, ZIP: Longview, WA 98632 AREA DESCRIPTION: 13-City: Small

PHONE: (360)575-7663

2.04 mile(s)

GRADES: 9th Grade - 12th Grade TITLE ONE: 1-Yes

NAME: Kelso High School

CHARTER SCHOOL: No

ADDRESS: 1904 Allen St MAGNET SCHOOL: No

CITY, STATE, ZIP: Kelso, WA 98626 AREA DESCRIPTION: 13-City: Small

PHONE: (360)501-1801

DISTANCE: 3.12 mile(s)

GRADES: 9th Grade - 12th Grade TITLE ONE: 1-Yes

Thisisanartificat.Ielectedtomaketh..

Educators

Somedataisnotdisclosedtoprotectstudentprivacyandwillberepresentedbyablankforstudentrelatedmeasures.Duetoreportingcycles,themostrecentdataforeachmeasuremaybe fromdifferentschoolyears.IfaFinanceorEducatormeasureisblank,thereisnodataforthatorganizationinthecurrentlyreportedyear.

Toseemore,visit

https://reportcard.ospi.k12.wa.us/ Ifyouhavequestionsorcomments,contactReportCardRedesign@k12.wa.us.

Thisisanartificat.Ielectedtomaketh..

Educators

Toseemore,visit

https://reportcard.ospi.k12.wa.us/ Ifyouhavequestionsorcomments,contactReportCardRedesign@k12.wa.us.

HuntingtonMiddle School

Educators

Toseemore,visit

https://reportcard.ospi.k12.wa.us/ Ifyouhavequestionsorcomments,contactReportCardRedesign@k12.wa.us.

Thisisanartificat.Ielectedtomaketh..

Educators

Toseemore,visit

https://reportcard.ospi.k12.wa.us/ Ifyouhavequestionsorcomments,contactReportCardRedesign@k12.wa.us.

COMMUNITY

CITY Y OF F LONGVIEW W

37,188$35,17139.648.1%51.9%

POPULATION

Longviewis a city inCowlitz County,Washington, United States. It is the principal city of the Longview, WashingtonMetropolitan Statistical Area, which encompasses all of Cowlitz County. The city is located in southwestern Washington, at the junction of theCowlitzandColumbia rivers. Longview shares a border withKelso to the east, which is the county seat. TheCowlitz Indian Tribe, afederally recognized tribeofCowlitz people, is headquartered in Longview.

SCHOOL DISTRICTS

Longview

HOUSING

52.98% of homes owner occupied

47.02% of homes rented

POPULATION DENSITY

2,529.2 inhabitants per sq. mile

16,380 housing units at an average density of 1,130.4 per square mile

HISTORY

AGE DEMOGRAPHIC

23.2% under age 18

9.2% between ages 18 to 24

23.6% between ages 25 to 44

26.2% between ages 45 to 64

17.5% above age 65

CITY QUICK FACTS

15.33 square miles

20 feet elevation

The ﬁrst Euro-American settlers were led by Harry and Rebecca Jane Huntington, in 1849. The area was named Monticello in honor ofThomas Jefferson's homein Virginia. In 1852 a group assembled in what would be called the "Monticello Convention" to petitionCongressfor statehood to be called "Columbia". Congress agreed to statehood but as Washington, afterPresident Washington, to avoid confusion with theDistrict of Columbia. A monument to the convention is located near the Longview Civic Center. From 1854 to 1865 the town of Monticello was the seat ofCowlitz County, before being destroyed by the ﬂooding of the Cowlitz River in December 1867. In 1865 Nathaniel Stone founded the town of Freeport (a mile upriver from Monticello) which became the seat of Cowlitz County until 1872. The area of the towns of Monticello and Freeport is now part of the city of Longview.

COWLITZ Z COUNTY Y BASE E MAP P

LOCAL BUSINESSES

Kudu Paint and Drywall 601 N 1st Ave, Kelso, WA 98626, USA (360)

LOCAL BUSINESSES

RESOURCES

CHANGEOFADDRESS

USPS

Belowisthewebsiteifyouwouldliketochangeyouraddressonlineoryoucanvisityour localpostoffice,theywillprovideyouwiththechangeofaddresspacket. https://moversguide.usps.com

Benefitsyouwillreceivewhenyouchangeyouraddressonlineare:

Exclusivemoversavingscoupons

Safeandsecurewithidentityverificationbyasimple$1.00chargetoyourcreditordebit card

Emailconfirmationattheendofregistrationofyourchangeofaddress

*Musthavevalidemailaddressandcreditcardtoregisteronline.

AUTOREGISTRATION

ANDDRIVERLICENSING

Belowisthewebsiteifyou wouldliketochangeyour addressonlineoryoucan visityourlocaldepartment oflicensing.

DepartmentofLicensing

CowlitzCountyAutoLicense Department www.dol.wa.gov

COWLITZCOUNTY AUDITOR 2074thAveN Kelso,WA98626 (360)577-3008

CASTLEROCKAUTO

LICENSING,INC. 2CowlitzStW CastleRock,WA98611 (360)274-2222

C&LAUTOLICENSING

95714thAve Longview,WA98632 (360)577-3972

LEWISRIVERAUTO LICENSINGINC. 1935BelmontLoopSteC Woodland,WA98674 (360)225-9939

VOTERSREGISTRTION

TOREGISTERTOVOTE,YOUMUSTBE:

AcitizenoftheUSA

ALegalResidentofWashingtonStateatleast18yearsofageonorbeforethenext election.

IntheStateofWashington,youdonothavetoregisterbypoliticalpartyordeclarea politicalpartymembershiptovoteinthestate’sregularprimariesorgeneralelection.

HOWTOREGISTER

Washingtoncitizenshaveaccesstoseveralconvenientmethodsofsigninguptovote, includingregistrationbymailandMotorVoterregistration.

Mail-inregistrationformsareavailablefromyourcountyauditororcountyelections departmentaswellasothergovernmentoffices,publiclibraries,andschools.

MotorVoterregistrationisofferedwhenyoureneworapplyforyourdriver’slicense. Inmostinstances,ittakeslessthanaminute.

REGISTRATIONDEADLINE

Youmayregistertovoteatanytime,butyoumustberegisteredatleast30daysbefore anelection,ifyouwanttovoteonelectionday.

Youmayalsoregisterbetween15and30daysbeforeanelection,butyoumustdosoat alocationdesignatedbythecountyelectionsoffice,andyouwillberequiredtovoteby absenteeballot.

CHANGEOFADDRESS

Ifyoumovetoanewcounty,youmustcompleteanewvoterregistration,otherwiseyou mustrequestatransferofyourregistration.

VoterInformationHotline:(800)448-4881TTY(800)422-8683 CowlitzCountyVoterRegistration:(360)577-3005

MOVINGCHECKLIST

UTILITIES

Electric

NWNaturalGas WaterDistrict

SewerDistrict

GarbageProvider

Cable/Satellite Fuel(Propane)

PhoneServices

Internet

FINANCIAL

BanksandCreditUnions

CreditCardCompanies (includingdepartmentstorecreditcards)

Lenders (Mortgage,HomeEquity,Auto,StudentLoans) InsuranceCompanies

(Health,Renters,Auto,Home,Medical,Dental,Disability,Life)

Retirement (Pensionplans,401K,SocialSecurity,VeteransAffairs)

Investments (InvestmentAgenciesandBrokers) OnlineBillPayer Paypal

GOVERNMENT

USPostOffice

DepartmentofMotorVehicles

(Obtainyourdriver’slicenseandchangevehicleregistration)

IRS PassportOffice VeteranAffairs UnemploymentOffice (Ifyouarecurrentlyreceivingunemploymentbenefits)

HEALTH

Physician Pharmacies

SERVICEPROVIDER

Childcare HousecleaningServices DeliveryServices LawnCareServices Veterinarian PoolService

MEMBERSHIPS

HealthClubs

MembershipClubs (AAAorsimilar) CommunityGroups (PTA,NeighborhoodAssociations,CivicClubs) Children’sExtracurricular Activities (DanceClasses,MusicLesson,SportsClubs)

SUBSCRIPTIONS

Newspapers

Magazine (USPSwillonlyforward2months)

MovieSubscriptions

BookorMusicClubs

OTHER

FriendsandFamily Employers (typicallynotifytheHRDepartment)

MOVINGCHECKLIST

8WEEKBEFOREYOUMOVE

InventorySheets:Createaninventorysheetofallyour belongingswhichneedtobemoved

ResearchMovingOptions:You’llneedtodecideifyoursisa do-it-yourselfmoveorifyou’llbeusingamovingcompany.

RequestMovingQuote:Solicitmovingquotesfromasmany movingcompaniesandmoversaspossible.Therecanbea largedifferencebetweenratesandserviceswithinmoving companies.

DiscardUnnecessaryItems:Movingisagreattimefor riddingyourselfofunnecessaryitems.Haveayardsaleor donateunnecessaryitemstocharity.

PackingMaterial:Gathermovingboxesandpacking materialforyourmove.

ContactInsuranceCompanies:You’llneedtocontactyour insuranceagenttocancel/transferyourinsurancepolicy.

1WEEKBEFOREYOUMOVE

1 WEEK

Your USPS Office

YourChangeofAddress:Changeyouraddresswiththe USPS,DMV,FinancialInstitutions,Utilities,Government Offices,HealthCareServiceProviders,Memberships, SubscriptionsandInsuranceProvisions.

BankAccounts:Transferorclosebankaccountsifchanging banks.Makesuretohaveamoneyorderforpayingthe movingcompany.

ServiceAutomobiles:Ifautomobilesaretobedrivenlong distance,you’llwanttohavethemservicedsoyouhavea trouble-freedrive.

CancelServices:Notifyanyremainingserviceproviders (newspapers,lawnservices,etc.)ofyourmove.

TravelItems:Setasideallitemsyou’llneedwhiletraveling. Makesurethesearenotpackedonthemovingtruck..

ContactUtilityCompanies:Setutilityturnoffdate,seek refundsanddepositsandnotifythemofyournewaddress.

4 WEEK BEFO

4WEEKBEFOREYOUMOVE

Start Packin location

4

StartPacking:Beginpackingallthingsdestinedforyournew location.

Obtain You dentist and retaining an records or m

ObtainYourMedicalRecords:Contactyourdoctor,physician, dentistandothermedicalspecialistswhomaycurrentlybe retaininganyofyourfamily’smedicalrecords.Obtainthese recordsormakeplansforthemtobedeliveredtoyournew medicalfacilitiesifchanging.Securityiscriticalofpersonal records.

NoteFoodInventoryLevels:Checkyourcupboards, refrigeratorandfreezer.Useupasmuchofyourperishable foodaspossible.

SmallEngines:Servicesmallenginesforyourmoveby extractinggasandoilfromthemachines.Thiswillreduce thatchancetocatchfireduringyourmove.

ProtectJewelryandValuables:Transferyourjewelryand valuablestoasafetydepositbox;youdon’twantthemtobe lostorstolenduringyourmove.

BorrowedandRentedItems:Returnitemsthatyoumay haveborrowedorrented.Collectitemsborrowedtoothers.

*

MOVINGDAY

MOVING DA

Plan Your the house

Someone

PlanYourItinerary:Makeplanstospendtheentiredayat thehouseoratleastuntilthemoversareontheirway. Someonewillneedtobearoundtomakedecisions.Make plansforkidsandpetstobeatasittersfortheday.

ReviewtheHouse:Oncethehouseisempty,checkthe entirehouse(closets,attic,basement,etc.)toensureno itemsareleftornohomeissuesexist.

DoubleCheckWithYourMover:Ensurethemoverhasthe newpropertyaddressandallofyourmostrecentcontact information,shouldtheyhaveanyquestionsduringyour move.

VacateYourHome:Makesureutilitiesareoff,doorsand windowsarelockedandnotifyyourrealestateagentyou’ve vacatedtheproperty.

QuestionsToAsk:Whereisthegaragedooropener?Where arethekeystothehouse,mailboxandotherlockablearea? Didyouretrieveallkeysfromneighborsandfriends?

MOVINGRESOURCES

THEHOMEDEPOT

(800)466-3337 www.homedepot.com

Longview (360)578-1030 5807thAve Longview,WA98632

Vancouver (360)253-3993 8601NEAndresenRd Vancouver,WA98665

JantzenBeach (503)289-9200 1728NTomahawkIslandDr. Portland97217

LOWES

(800)466-3337 www.lowes.com

Longview (360)557-7060 2850OceanBeachHighway Longview,WA98632

E.Vancouver (360)260-2120 18801SEMillPlainBlvd Vancouver,WA98662

LacamasLake (360)514-9660 11413NE76thSt Vancouver,WA98683

DONATIONFACILITIES

Goodwill (800)741-0186 locator.goodwill.org

TheSalvationArmy (800)958-7825 www.salvationarmyusa.org

MOVINGTRUCKRENTALS

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

Penske (888)996-5415 www.pensketruckrental.com

Ryder (800)297-9337 www.ryder.com

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

STORAGECOMPANIES

NWSelfStorage www.nwselfstorage

PublicStorage (800)906-0879 www.publicstorage.com

Pods

(888)309-8967 www.pods.com

TRANSFERSTATIONS

Garbage/Recycling

WasteControlRecycling (360)425-4302 wastecontrolrecycling.com 11503rdAve Longview,WA98632

CentralTransfer&Recycling (360)256-8482 columbiaresourcecompany.com 11034NE117thAvenue Vancouver,WA98686

WashougalTransferStation (360)835-2500 columbiaresourcecompany.com 4020SGrantStreet Washougal,WA98671

WestVancouver (360)737-1727 columbiaresourcecompany.com 6601NWOldLowerRiverRd Vancouver,WA98660

COUNTYOFFICES

ASSESSOR

360-577-3010

GIS

360-577-3025

BUILDINGANDPLANNING

360-577-3052

TREASURER

360-577-3060

EMERGENCYMANAGEMENT

360-577-3130

AUDITOR’S/AUTOLICENSING

360-577-3006

ELECTRICITY

COWLITZCOUNTYPUD

360-423-2210

GAS

CASCADENATURALGAS

888-522-1130

WATER/SEWER

BEACONHILLSEWER

360-636-3860

CASTLEROCK

360-274-8181

KALAMA

360-673-3265

KELSO

360-578-7915

LONGVIEW

360-442-5035

WOODLAND

360-225-8281

COWLITZCOUNTYPUBLIC WORKS

360-577-3030

RESOURCEGUIDE

GARBAGE&RECYCLING

KELSO

360-578-7915

LONGVIEW

360-442-5035

WOODLAND

360-225-8281

WASTECONTROL

360-425-4302

CABLETELEVISION/SATELLITE

COMCAST

800-934-6489

DIRECTV 855-434-4396

DISHNETWORK

888-617-1691

CENTURYLINK866-642-0444

TELEPHONESERVICES

KALAMATELEPHONECO 360-673-2755

CENTURYLINK 866-642-0444

AT&T 800-222-0300

TRANSPORTATION

COMMUNITYURBANBUSSERVICE 360-442-5663

UPTOWNTAXI 360-577-8294

ECOCAB 360-431-2373

INTERNETPROVIDERS

COMAST

800-934-6489

CASCADENETWORK 360-414-5990

SCATTERCREEKINFONET 360-673-2975

TDN.COMINTERNET 360-577-7830

CENTURYLINK 866-642-0444

NEWSPAPERS THEDAILYNEWS 360-577-2571

THEOREGONIAN 503-221-8240

COLUMBIARIVERREADER 360-636-1143

THEREVIEW 360-225-1273

LIBRARIES

LONGVIEW 360-442-5300

KALAMA

360-673-4568

KELSO 360-423-8110

CASTLEROCK 360-274-6961

POLICE/FIRE

EMERGENCYDIAL911

COWLITZSHERIFF

360-577-3092

LONGVIEWPOLICE

360-442-5800

LONGVIEWFIRE 360-442-5503

KELSOPOLICE

360-423-1270

KELSOFIRE(COWLITZ2)

360-578-5218

CASTLEROCKPOLICE

360-274-471l

CASTLEROCKFIRE

360-274-4413

KALAMAPOLICE

360-673-2165

WOODLANDPOLICE 360-225-6965

24HR.NON-EMERGENCY

360-225-8981

WOODLANDFIRE 360-225-7076

24HR.NON-EMERGENCY 360-225-8981

COWLITZDISTRICT3FIRE 360-274-8940

COWLITZDISTRICT5FIRE 360-673-2222

RESOURCEGUIDE

HOSPITALS/MEDICAL

PEACEHEALTHMEDICALCENTER

360-414-2000

KAISERPERMANENTE 360-636-6200

PROVIDENCE 503-215-1111

LEGACYEMANUEL 503-335-3500

PORTLANDADVENTIST 503-257-2500

GOODSAMARITAN 503-229-7711

CHAMBEROFCOMMERCE

KELSO-LONGVIEWCHAMBER 360-423-8400

CASTLEROCKCHAMBER 360-274-6603

KALAMACHAMBER 360-673-6299

WOODLANDCHAMBER 360-225-9552

SCHOOLS

CASTLEROCK 360-501-2940

KALAMA

360-673-5282

KELSO 360-501-1900

LONGVIEW 360-575-7000

TOUTLELAKE 360-274-6182

WOODLAND 360-225-9451

PRIVATESCHOOLS

KELSO-LONGVIEWADVENTIST 360-423-9250

THREERIVERSCHRISTIAN 360-636-1600

ST.ROSECATHOLICSCHOOL 360-577-6760

COLLEGES

LOWERCOLUMBIACOLLEGE 360-442-2370

CLARKCOLLEGE 360-992-2000

WSU-VANCOUVER 360-546-9788

OTHER UHAUL 360-577-8400

LONGVIEWSELFSTORAGE 360-577-4420

OCEANBEACHSELFSTORAGE 360-577-l760

LONGVIEWMOVING&STORAGE 360-423-2260

CYBERSECURITY

Becauseofyou…weobsessovercybersecurity!

Cyberfraudandemailhackingareontherise.Fraudstersmayaccessindividualemail accountsandmonitorthelifeofyourtransaction.Atthetimefundsareduetothe escrow,fraudstersintercepttheinformationforwiringfunds,andthefraudsterschange theinformationwithouttheknowledgeofthesenderorrecipient,resultinginthefunds beingsenttoanoutsideaccountandnevercreditedtotheintendedparty.

Toprotectandreduceyourrisk,WFGhasimplementedthefollowingproceduresfor outgoingandincomingwires:

OutgoingWirefromWFGtosellerorborrowerforproceeds Intheescrowpaperworkprovidedyouwillbeaskedtoprovidewritteninstructions onhowyouwantfundsdueyousenttoyouatthecloseofescrow.Ifyouchooseto havethefundssentviawiretransfer,WFGwillcontactyoubyphonetoconfirmthe wireinformationprovided.

IncomingWiresfromthebuyerand/orlendertoWFGbankaccount

ForfundsthataretobewiredtoWFGforyourtransaction,wewillsendspecificwire instructionstotheremittingpersonviaanencryptedemail.Werecommendyou reachouttoyourWFGcontacttoconfirmthewireinstructionspriortoremittance.

Welookforwardtoprocessingyourescrowtransactionforyou.Weknowthatthiscan beastressfultimeandweareheretoassistyouinanywaywecantomakethisagood experience.

http://national.wfgnationaltitle.com/2016/04/05/obsess-cyber-security/

OWNERSTITLEINSURANCE

Whyit'simportant

Financiallyspeaking,thedecisiontobuyahomeisoneofthebiggestdecisionsaperson willlikelyevermake.

Owner’stitleinsuranceensuresthat,whenthepurchaseisclosed,thebuyeristheownerof andhasmarketabletitletotheproperty,hasaccesstothehome,andtherearenoliens, claimsorrestrictionsonthebuyer’sproperty,otherthanthemortgagethebuyeragreesto pay.

Ifthepreliminarytitlesearchuncoverspotentialproblems,abuyercanrequirethatthose problemsaresatisfactorilydealtwithbeforeclosingonthehome.

Inaddition,owner’stitleinsuranceprotectsbuyersagainstamyriadofrisksthatnoteven themostcarefultitlesearchcanuncover,includingthingssuchasforgeddocuments, undisclosedormissingheirsofapreviousowner,fraud,willdispute,andunrecordedclaims ofmanytypes.

Withouttheowner’stitleinsurance,thelegalcoststoresolvesuchtitleclaimscouldeasily beinthetensofthousandsofdollarsandwouldhavetobepaidoutofpocketbythebuyer -nottomentionthestressthatsuchsituationswouldcausetothebuyer.

Owner’stitleinsuranceisoneofthemostaffordableinsurancepoliciesapersoncanever buy.Unlikeotherformsofinsurance,thereisonlyaone-timefeeatclosingforthepolicy, whichfinanciallyprotectsthebuyer’sinvestmentforaslongasthebuyerorthebuyer’s heirsownthehome.

So,ifsomeonetellsthebuyerthattheowner’stitleinsuranceis“optional”,thatcertainly doesnotmeanthatthebuyershouldnotgetit.Virtuallyeverylenderrequiresalender’s titleinsurance,butthatinsurancedoesnotprotectthebuyer.

Inordertosafeguardthebuyer’sinvestmentintheproperty,whichispossiblythemost importantinvestmentthebuyerwillevermake,owner’stitleinsuranceisabsolutelycritical.

WHATISESCROW?

UnderstandingtheEscrowProcess

Anescrowisanarrangementinwhichaneutralthirdparty(theescrowagent)assembles andprocessesmanyofthecomponentsofarealestatetransaction,recordsthetransaction, andultimately,disbursesanddistributesfundsaccordingtothebuyers’,sellers’and lenders’instructions.YourtransactionistypicallyclosedbyanEscrowOfficer.People buyingandsellingrealestateusuallyopenanescrowfortheirprotectionandconvenience. Boththebuyerandsellerrelyontheescrowagenttocarryouttheirwritteninstructions relatingtothetransactionandtoadvisethemifanyoftheirinstructionsarenotmutually consistentorcannotbecarriedout.Iftheinstructionsfromallpartiestoanescroware clearlydrafted,theescrowofficercanproceedonbehalfofthebuyerandsellerwithout furtherconsultation.Thissavesmuchtimeandfacilitatestheclosingofthetransaction.

TYPICALROLESINTHECLOSINGPROCESS

TheSeller/Agent

DeliversafullyexecutedPurchaseSale Agreementtotheescrowagent. Executesthepaperworknecessarytoclosethe transaction.

TheBuyer/Agent

Depositscollectedfundsrequiredtoclose(in withtheescrowagent.

Approvesthecommitmentfortitleinsurance,or otheritemsascalledforbythePurchaseSale Agreement.

Executesthepaperworkandloandocuments necessarytoclosethetransaction.

TheLender

Depositsloandocumentstobeexecutedbythe buyer Depositstheloanproceeds. Directstheescrowagentoftheconditions underwhichtheloanfundsmaybeused

TheEscrowAgent

ClearsTitle

Obtainstitleinsurance Obtainspayoffsandreleasedocumentsfor underlyingloansontheproperty Receivesfundsfromthebuyerand/orlender. Preparesvestingdocumentaffidavitonseller’s behalf.

Proratesinsurance,taxes,rents,etc.

Preparesafinalstatement(oftenreferredtoas the“HUDStatement”or”SettlementStatement”) foreachparty,indicatingamountspaidin conjunctionwiththeclosingofyourtransaction. Forwardsdeedtothecountyforrecording. Oncetheproperdocumentshavebeen recorded,theescrowagentwilldistributefunds totheproperparties.

InSummary

Escrowistheprocessthatassemblesandprocesses manyofthecomponentsofarealestatetransaction. Thesaleisofficiallyclosedwhenthenewdeedis recordedandfundsareavailabletotheseller,thus transferringownershipfromthesellertothebuyer. Theescrowagentisaneutralthirdpartyactingon behalfofthebuyerandseller.

WHATISTITLE?

AboutTitleInsurance

Titleisabundleofrightsinrealproperty. Protectingpurchasersandlendersagainstloss isaccomplishedbytheissuanceofatitle insurancepolicy.Usually,duringapurchase transaction,thelenderrequestsapolicy (commonlyreferredtoastheLender’sPolicy) whilethebuyersreceivetheirownpolicy (commonlyreferredtoasanOwner'sPolicy).

Inshort,thepolicystatesthatifthestatusof thetitletoaparcelofrealpropertyisother thanasrepresented,andiftheinsured(either theownerorlender)suffersalossasaresultof atitledefect,theinsurerwillreimbursethe insuredforthatlossandanyrelatedlegal expenses,uptothefaceamountofthepolicy, subjecttoexceptionsandexclusionscontained inthepolicy.

Typicallytherearetwopoliciesissued.The Mortgagee’sPolicyinsuresthelenderfor theamountoftheloan.TheOwner’sPolicy insuresthepurchaserofthepurchaseprice.

Howistitleinsurancedifferentfromothertypes ofinsurance?

Whilethefunctionofmostotherformsof insuranceisriskassumptionthroughthe poolingofrisksforlossesarisingoutof unforeseenfutureevents(suchassicknessor accidents),theprimarypurposeoftitle insuranceistoeliminaterisksandprevent lossescausedbydefectsintitlearisingoutof eventsthathavehappenedinthepast.To achievethisgoal,titleinsurersperforman extensivesearchandexaminationofthepublic recordstodeterminewhetherthereareany adverseclaims(titledefects)attachedtothe subjectproperty.Saiddefects/claimsareeither eliminatedpriortotheissuanceofatitlepolicy

ortheirexistenceisexceptedfromcoverage. Yourpolicyisissuedaftertheclosingofyour newhome,foraone-timenominalfee,andis goodforaslongasyouowntheproperty.

What’sinvolvedinatitlesearch?Atitlesearchis actuallymadeupofthreeseparatesearches:

ChainofTitle–Historyoftheownershipofthe subjectproperty

TaxSearch–Thetaxsearchrevealsthestatusof thetaxesandassessments

JudgmentandNameSearch–Searchesfor judgmentandliensagainsttheowners’and purchasers’names

Oncethethreesearcheshavebeencompleted,the fileisreviewedbyanexaminerwhodetermines:

WhetherornottheChainofTitleshowsthatthe partysellingthepropertyhastherighttodoso. Thestatusoftaxesforthesubjectproperty.The TaxSearchwillalsoindicatetheexistenceofany specialassessmentsagainstthelandand whetherornottheseassessmentsarecurrentor pastdue.

Whetherthereareanyunsatisfiedjudgmentson theJudgmentandNameSearchagainstthe previousowners,sellers,orandpurchasers.

Rightsestablishedbyjudgmentdecrees, unpaidfederalincometaxesandmechanicliensall maybepriorclaimsontheproperty,aheadofthe buyer’sorlender’srights.Thetitlesearchwillonly uncoverdefectsintitlethatareofpublicrecord,thus allowingthetitlecompanytoworkwiththesellerto clearuptheseissuesandprovidethenewbuyer withtitleinsurance.

InSummary

Afterthesearcheshavebeenexamined, thetitlecompanywillissueacommitment, statingtheconditionsunderwhichitwillinsure title.Thebuyer,sellerandthemortgagelender willproceedwiththeclosingofthetransaction afterclearingupanydefectsinthetitlethat havebeenuncoveredbythesearchand examination.

WHOPAYSWHATINWASHINGTON

SELLERPAYS

Realestatecommission

Owner’stitleinsurancepremium Escrowfee,onehalf(1)

Realestateexcisetax(1.78%2basedon salesprice)

LoancostsrequiredundertheFHA/VA provisionsofthecontract(4)

PayoffofallloansinSeller’sname(or existingloanbalanceifbeingassumed byBuyer)

Statementfees,reconveyancefees (includingassociatedrecording charges),andanyloanprepayment penalties

Workorders,suchastermiteinspection orhomerepairs(1)

Homewarranty(1)

Encumbrances(suchasjudgements andtaxliens)againsttheseller

Taxpro-ration(foranyunpaidtaxesup tothetimeoftransferoftitle)

Delinquenttaxes

Unpaidhomeowner’sdues

Assessmentsorbonds(1)

Notaryfees(ifapplicable)

Courierfees(ifapplicable)

1SubjecttoPurchaseandSale

BUYERPAYS

Lender’stitleinsurancepremium(if applicable)

Escrowfee,onehalf(1)

Recordingchargesforalldocumentsin thebuyer’sname InspectionFees(1)

Taxpro-ration(foranytaxesfromtimeof transferoftitletoendofthetax paymentperiod)

Allnewloancharges(exceptforthose requiredbylenderforsellertopay)

Hazardinsurancepremiumforfirstyear Interestonanewloanfromdateo fundingto30dayspriortofirstpayment Documentpreparation(ifapplicable)

Homewarranty1

Notaryfees(ifapplicable)

Courierfees(ifapplicable)

Thisflyerisnotintendedtobeanall-inclusivelistoffeesand chargesoneverytransaction,butratheraguidetothemajor costsofbuyingorsellingrealproperty.WFGwouldbehappyto reviewandexplainyourclosingcostpriortofinalizingthe transactions.

2StateExciseTaxis1.28%plus0.50%forCountyTax(Mayvarybycounty,consultwithyourEscrowOfficer)

3FinancingAddendumtoPSA-$300maximumforanyfeesthatlendercanchargetoBuyer

4Upto$300FHA/USDA/VAloansandbuyer’sshareoftheescrowfeeforaVAloan

TITLEVESTING Commonwaystoholdtitletorealproperty

PARTIES DIVISION

TITLE

PURCHASER

CONVEYANCE

Anynumberof persons

DEATH

SUCCESSOR'S

STATUS

Ownership interestsmust beequal

Thereisonlyone titletothewhole property

Purchaserwill becomeatenant incommonwith theotherowners oftheproperty

Allownersmust agreeonuseand dispositionof property

Propertypasses tosurvivors withoutgoing throughprobate

Lastsurvivor ownsproperty

Ownershipcan bedividedinto anynumberof interests,equal orunequal

Eachco-owner hasaseparate titletohisorher undividedinterest

Purchaserwill becomeatenant incommonwith theotherowners oftheproperty

Individual co-ownersdonot needtheconsent oftheotherto useordispose

Individual's interestpassesto designatedheirs throughprobate

Marriedpersons anddomestic partners

Husbandand wife’sordomestic partner’sinterest mustbeequal

Thereisonlyone titletothewhole property

Purchasercannot acquireone owner’sinterest andholdas community property

Husbandand wifeordomestic partnersmust agreetouseand dispositionof property

Onspouse’s/ domestic partner’sdeath, survivingspouse/ domesticpartner

Relatedor unrelatedparties

Ownership interestisin relationto interestinthe partnership

Eachco-owner’s interestisowned inpartnership forpartnership purposes

Purchasercan onlyacquirethe wholetitleunless heorshe becomesa partner

Partnership setsparameters foruseand dispositionofthe property

Partnership interestpassesto designatedheirs whowould becomepartners

Deviseesorheirs becometenants incommon

Survivingspouse or domestic partnerowns property

Deviseesorheirs havenorights inspecific partnership property

ADMINISTRATIVE

12909 SW 68th Pkwy. Ste. 350 Portland, OR 97223 503-431-8500

CLACKAMAS

9200 SE Sunnybrook Blvd. Ste. 350 Clackamas, OR 97015 503-353-9975

LAKE OSWEGO

5885 Meadows Rd. Ste. 130 Lake Oswego, OR 97035 503-624-4900

LLOYD/COMMERCIAL

NW PORTLAND 25 NW 23rd Pl. Ste. 1 Portland, OR 97210 503-219-9088

BETHANY 1500 NW Bethany Blvd. Ste. Beaverton, OR 97006 503-850-3990

2001 SE Columbia River Dr Ste. 100 Vancouver, WA 98661 360-314-0300

SALMON CREEK

2105 NE 129th St. Ste. 107 Vancouver, WA 98686 360-314-1818

VANCOUVER MALL

Ste. 2 0 Vancouver, WA 98662 360-891-5454

EAST VANCOUVER 2004 SE 192nd Ave. Ste. 100 Vancouver, WA 98683 360-356-9990 1 2 3 5 6 7 8 9 4 10

700 NE Multnomah St. Ste. 190 Portland, OR 97232 503-230-8488

Exhibit “A”

245 St. James Place Longview, WA 98632

Buyers Initials Date Seller Initials Date

This week the median list price for Longview, WA 98632 is $415,000 with the market action index hovering around 43. This is an increase over last month's market action index of 42. Inventory has decreased to 110.

Market Action Index

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

Real-Time Market Profile

Price of New Listings

Slight Seller's Advantage

Market Narrative

In the last few weeks the market has achieved a relative stasis point in terms of sales to inventory. However, inventory is sufficiently low to keep us in the Seller’s Market zone so watch changes in the MAI. If the market heats up, prices are likely to resume an upward climb.

Market Segments

Slight Seller's Advantage

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

MedianListPrice

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.

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.

PricePerSquareFoot

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. 7-Day

Inventory has been relatively steady around these levels in recent weeks.

MarketActionIndex

MarketActionSegments

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 highend) will weaken before the rest of the market and signal a slowdown for the whole group.

MedianDaysonMarket(DOM)

The properties have been on the market for an average of 73 days. Half of the listings have come newly on the market in the past 48 or so days. Watch the 90-day DOM trend for signals of a changing market.