310 NE Frank Johns Rd, Stevenson, WA

310 NE Frank Johns Road Stevenson, WA 98648

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

310 NE FRANK JOHNS RD STEVENSON WA 98648 03753630058100 SKAMANIA COUNTY WA

Owner Information Owner Name:

SMITH DAN J & CHRISTINA M LIVI /

Vesting:

REVOCABLE TRUST

Mail Address:

310 NE FRANK JOHNS RD STEVENSON WA 98648

Owner Status:

OwnerOccupied

Location Information

Legal Desc:

LOT 2 OF THE ILLIG S/P#2005157709 50% INT IN COMMON AREA KNOWN AS LOT 3 OF THE ILLIG S/P

County:

SKAMANIA

Census/Block: 950300 / 2048

Alt Parcel # School District: STEVENSON-CARSON

Tsp-Rng-Sec:

T03-R75-S36

Municipality:

Lot / Block:

Lot: 2-3 Block:

Parcel #:

03753630058100

Housing Tract: ILLIG SHORT Last Market Sale Date:

2013-07-30/2013-07-26

Lender:

Sale Price:

70000

Loan:

Document #: 2013.1653

Document #:

Doc Type:

GENERAL WARRANTY DEED

Loan Type:

$ Sqft:

$28.27

Loan Term:

Prior Sale Information Date:

2008-05-08/2008-05-08

Lender:

Price:

61000

Loan:

Document #: 2008.169824 Doc Type:

WARRANTY DEED

Document #: Loan Type:

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

Copyright © 1995-2021 CDS Marketing, Inc.

310 NE FRANK JOHNS RD STEVENSON WA 98648 03753630058100 SKAMANIA COUNTY WA

Property Characteristics Gross Area:

3085

Garage Area:

Interior Wall

Living Area:

2476

Roof Shape:

Porch Type:

Above Grade: 3,085

Foundation:

Patio Type: COMPOSITION SHINGLE

Bedrooms:

3

Roof Material:

Bath (F/H):

2/

Construction: FRAME

Fireplace: Year Built:

Heat Type: 2015

Parking Type: Garage Units:

2

Basement:

FLOOR FUR

Cooling Type: Exterior Wall:

Air Cond: Fixtures: Floor: Equipment:

FRAME SIDING

Rooms:

Stories:

1.50

Pool:

No

Condition:

GOOD

Quality:

GOOD

County Use:

SINGLE FAMILY UNI State Use:

Lot Acres:

0.28

Lot Sqft:

12,197

Len/Wid:

/

Property Information Land Use:

SFR

Zoning:

Tax and Assessment Information Assd Year:

2020

Assd Value:

$296,500

Taxable Val:

$296,500

Tax Year:

2020

Land Value:

$75,000

Mkt Value:

$296,500

Tax Area:

1

Imp Value:

$221,500

Exemption:

Property Tax:

$3,056.55

Improved %:

75%

District:

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

Copyright © 1995-2021 CDS Marketing, Inc.

310 NE FRANK JOHNS RD STEVENSON WA 98648 03753630058100 SKAMANIA COUNTY WA

Averages

Avg Bedrooms

Avg Bathrooms

Avg Sqft

Avg Price

Avg $Sqft

2016

3.00

2.50

2,451

$331,625

$135

2017

2.00

3.00

2,634

$223,275

$85

2018

2.00

2.00

2,351

$270,000

$115

2019

2.00

3.00

2,617

$559,215

$214

2020

2.00

2.00

2,569

$472,875

$184

Average Sale Price $559,215 $472,875 $331,625 $223,275

2016

2017

$270,000

2018

2019

2020

Average $ Per Square Foot $214 $184

$135 $115 $85

2016

2017

2018

2019

2020

310 NE FRANK JOHNS RD STEVENSON WA 98648 03753630058100 SKAMANIA COUNTY WA

Female Population

1,448

8.0% 0-9

12.5%

12.2%

10.8%

12.8%

10-19

20-29

30-39

40-49

19.8%

18.4%

17.8%

50-59

60-69

70+

Male Population

1,423

23.1% 9.9%

11.9%

13.8%

0-9

10-19

20-29

Education

10.5%

12.0%

30-39

40-49

50-59

18.6%

60-69

14.1%

70+

Employment

No Diploma:

11.7%

Working Age:

High School:

32.3%

Labor Force:

Some College:

33.1%

Median Income:

Bachelor's

11.8%

Employed:

Graduate's:

11.1%

Unemployed:

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

Copyright © 1995-2021 CDS Marketing, Inc.

2,636 55.3% $60,357 94.6% 5.4%

Exhibit “A”

The real property described above is commonly known as:

310 NE Frank Johns Road Stevenson, WA 98648

[__________] [__________] __________ 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

310 NE FRANK JOHNS RD STEVENSON WA 98648 03753630058100 SKAMANIA COUNTY WA

Stevenson-carson School District Elementary Schools Stevenson Elementary P.O. BOX 850 STEVENSON WA 98648 Grades: KG to 06 Charter School: U Magnet School: U Carson Elementary P.O. BOX 850 CARSON WA 98648 Grades: KG to 06 Charter School: U Magnet School: U Middle Schools Wind River Middle School P.O. BOX 850 CARSON WA 98648 Grades: 07 to 08 Charter School: U Magnet School: U High Schools Stevenson High P.O. BOX 850 STEVENSON WA 98648 Grades: 09 to 12 Charter School: U Magnet School: U

509-427-5672 Area Desc: Rural: Distant Distance: 26.13 Miles Title One: Y 509-427-5939 Area Desc: Rural: Distant Distance: 26.13 Miles Title One: Y 509-427-8952 Area Desc: Rural: Distant Distance: 26.13 Miles Title One: N 509-427-5631 Area Desc: Rural: Distant Distance: 26.13 Miles Title One: Y

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.

St evensonCar sonSchoolDi st r i ct 350NW BULLDOG DR STEVENSON,WA98648

5094275674

202021school year

847

3%

201819school year

50%

52%

31%

89%

37%

49%

29%

HaveRegul ar At t endance

HaveHi ghEngl i sh LanguageAr t sGr owt h

HaveHi ghMat h Gr owt h

201920school year

201819school year

201819school year

Fi nanc es 201819s c hooly ear

201920school year

53

53.

7%

12.

5

16.

0 Aver ageCl as sSi z e

$11, 153 $4, 247

Somedat ai ss uppr es s edt opr ot ec ts t udentpr i vac yandwi l lber epr es ent edbyN<10,bl ankf i el dsi ndi c at enodat awas s ubmi t t edt oOSPIf ort hi sdi s t r i c tors c hool .

Tos eemor e, v i s i tht t ps : / / was hi ngt ons t at er epor t c ar d. os pi . k 12. wa. us / I fy ouhav eques t i onsorc omment s , c ont ac tRepor t Car dRedes i gn@k 12. wa. us

St evensonEl ement ar y 100NW School St r eet St evenson,WA986480000

5094275672

202021school year

160

6%

201819school year

53%

>90% HaveRegul ar At t endance

HaveHi ghEngl i sh LanguageAr t sGr owt h

HaveHi ghMat h Gr owt h

201920school year

201819school year

201819school year

Fi nanc es 201819s c hooly ear

201920school year

14

64.

3% 19.

0 Aver ageCl as sSi z e

8.

7

$9, 863 $4, 247

Somedat ai ss uppr es s edt opr ot ec ts t udentpr i vac yandwi l lber epr es ent edbyN<10,bl ankf i el dsi ndi c at enodat awas s ubmi t t edt oOSPIf ort hi sdi s t r i c tors c hool .

Tos eemor e, v i s i tht t ps : / / was hi ngt ons t at er epor t c ar d. os pi . k 12. wa. us / I fy ouhav eques t i onsorc omment s , c ont ac tRepor t Car dRedes i gn@k 12. wa. us

Wi ndRi verMi ddl eSchool 390NW Gr opperRoad St evenson,WA98648

5094275631

202021school year

135

0%

201819school year

51%

53%

27%

88%

43%

55%

18%

HaveRegul ar At t endance

HaveHi ghEngl i sh LanguageAr t sGr owt h

HaveHi ghMat h Gr owt h

201920school year

201819school year

201819school year

Fi nanc es 201819s c hooly ear

201920school year

19

52.

6%

13.

3

18.

0 Aver ageCl as sSi z e

$19, 266 $4, 247

Somedat ai ss uppr es s edt opr ot ec ts t udentpr i vac yandwi l lber epr es ent edbyN<10,bl ankf i el dsi ndi c at enodat awas s ubmi t t edt oOSPIf ort hi sdi s t r i c tors c hool .

Tos eemor e, v i s i tht t ps : / / was hi ngt ons t at er epor t c ar d. os pi . k 12. wa. us / I fy ouhav eques t i onsorc omment s , c ont ac tRepor t Car dRedes i gn@k 12. wa. us

St evensonHi ghSchool 390NW Gr opperRoad St evenson,WA986480000

5094275631

202021school year

282

3%

201819school year

80%

51%

20%

47%

82% HaveRegul ar At t endance

HaveHi ghEngl i sh LanguageAr t sGr owt h

HaveHi ghMat h Gr owt h

201920school year

201819school year

201819school year

Fi nanc es 201819s c hooly ear

201920school year

21

52.

4%

11.

0

13.

0 Aver ageCl as sSi z e

$10, 822 $4, 247

Somedat ai ss uppr es s edt opr ot ec ts t udentpr i vac yandwi l lber epr es ent edbyN<10,bl ankf i el dsi ndi c at enodat awas s ubmi t t edt oOSPIf ort hi sdi s t r i c tors c hool .

Tos eemor e, v i s i tht t ps : / / was hi ngt ons t at er epor t c ar d. os pi . k 12. wa. us / 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 STEVENSON

1,465

POPULATION 2010 Census Data

MALE 47.1%

$31,979

FEMALE 52.9%

42.1

MEDIAN INCOME

MEDIAN AGE

2000 Census Data

2010 Census Data

Stevenson is named for early settler George H. Stevenson. The Stevenson family, who settled in the Gorge in the 1800s from Missouri, founded the town of Stevenson on the old Shepard donation land claim. Under the auspices of the Stevenson Land Company, George Stevenson purchased the original town site for $24,000 in 1893, building the town along the lower flat near the river.

SCHOOL DISTRICTS 

Stevenson-Carson

HOUSING

2010 Census Data  

45.9% of homes owner occupied 54.1% of homes rented

AGE DEMOGRAPHIC 2010 Census Data     

23% under age 18 6.6% between ages 18 to 24 5% between ages 25 to 44 30.6% between ages 45 to 64 15.3% above age 65

CITY QUICK FACTS POPULATION DENSITY 2010 Census Data  

887.9 inhabitants per sq. mile 703 housing units at an average density of 426.1 per sq. mile

    

1.79 square miles 207 feet elevation Highest Average Temperature 80.3º Lowest Average Temperature 31.9º County seat of Skamania County

Strategically located just above the rapids known as the Upper Cascades, the Stevenson area has been home to Native American settlements for thousands of years. Their villages were focal points for commerce and social gatherings as they came to trade and fish along the riverbanks . Later the first explorers and missionaries (Lewis & Clark, David Thompson, Dr. Spaulding) used the Columbia River to penetrate the Cascade Mountains on their way to the Pacific Ocean.

CLARK COUNTY BASE MAP

Your Local Market Report Stevenson, WA 98648 REPORT FOR 3/31/2021 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

Stevenson, WA 98648

Market Action Index

Real-Time Market Profile

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

Median List Price 40

Buyer's Market

50

60

20

10

Price Decreased 90

Price Increased

100

ay Tod

M th on

0

Days on Market

80

Last

Per Square Foot

Seller's Market

70

30

Relisted Inventory

The market continues to get hotter. More sales demand and fewer homes listed have contributed to a relatively long run of increasing prices. Current supply and demand levels show no sign of prices changing from their current trend.

Median Rent Most Expensive Least Expensive Market Action

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

Single-Family Homes

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

Stevenson, WA 98648

Median List Price

Price trends in this zip code continued their recent uptrend this week. While still below the market's high point, we've seen a nice run recently. $1.5M

$1.3M

$1.0M

$750K

$500K

$250K Apr 2018

Aug 2018

Dec 2018

Apr 2019

Aug 2019

7-Day Average

Dec 2019

Apr 2020

Aug 2020

Dec 2020 Mar 2021

Aug 2020

Dec 2020 Mar 2021

90-Day Average

Segments $1.5M $1.3M

$1.0M $750K

$500K $250K

$0 Apr 2018

Aug 2018

Dec 2018

Apr 2019

Aug 2019

Dec 2019

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

Apr 2020

Third/Lower 90-Day

Wed Mar 31 2021 Powered by Altos Research, Inc. | www.altos.re | Copyright © 2021 Altos Research, Inc.

3 of 6

Single-Family Homes

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

Stevenson, WA 98648

Price Per Square Foot

The market appears to be placing an increasing premium on homes. When list prices and price per square foot consistently increase in tandem, as they're doing now, you can often find short-term investment opportunities. Watch the Market Action Index for persistent changes as a leading indicator for these trends to flatten or drop. $700

$600

$500

$400

$300

$200

$100 Apr 2018

Aug 2018

Dec 2018

Apr 2019

Aug 2019

7-Day Average

Dec 2019

Apr 2020

Aug 2020

Dec 2020 Mar 2021

90-Day Average

Inventory

Inventory has been falling in recent weeks. Note that declining inventory alone does not signal a strengthening market. Look to the Market Action Index and Days on Market trends to gauge whether buyer interest is changing with the available supply.

30

25

20

15

10

5

0 Apr 2018

Aug 2018

Dec 2018

Apr 2019

Aug 2019

7-Day Average

Dec 2019

Apr 2020

Aug 2020

Dec 2020 Mar 2021

90-Day Average

Wed Mar 31 2021 Powered by Altos Research, Inc. | www.altos.re | Copyright © 2021 Altos Research, Inc.

4 of 6

Single-Family Homes

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

Stevenson, WA 98648

Market Action Index

The market continues to get hotter. More sales demand and fewer homes listed have contributed to a relatively long run of increasing prices. Current supply and demand levels show no sign of prices changing from their current trend.

125

100

75

50

25

0 Apr 2018

Aug 2018

Dec 2018

Apr 2019

Aug 2019

7-Day Average

Dec 2019

Apr 2020

Aug 2020

Dec 2020 Mar 2021

Aug 2020

Dec 2020 Mar 2021

90-Day Average

Market Action Segments 100

80

60

40

20

0 Apr 2018

Aug 2018

Dec 2018

Apr 2019

Aug 2019

Dec 2019

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

Apr 2020

Third/Lower 90-Day

Wed Mar 31 2021 Powered by Altos Research, Inc. | www.altos.re | Copyright © 2021 Altos Research, Inc.

5 of 6

Single-Family Homes

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

Stevenson, WA 98648

Median Days on Market (DOM)

The properties have been on the market for an average of 99 days. Half of the listings have come newly on the market in the past 91 or so days. Watch the 90-day DOM trend for signals of a changing market.

300

250

200

150

100

50

0 Apr 2018

Aug 2018

Dec 2018

Apr 2019

Aug 2019

7-Day Average

Dec 2019

Apr 2020

Aug 2020

Dec 2020 Mar 2021

90-Day Average

Segments

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

400

300

200

100

0 Apr 2018

Aug 2018

Dec 2018

Apr 2019

Aug 2019

Dec 2019

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

Apr 2020

Aug 2020

Dec 2020 Mar 2021

Third/Lower 90-Day

Wed Mar 31 2021 Powered by Altos Research, Inc. | www.altos.re | Copyright © 2021 Altos Research, Inc.

6 of 6

310 NE FRANK JOHNS RD STEVENSON WA 98648 03753630058100 SKAMANIA COUNTY WA

Banks Name

Address

Telephone

Distance

First Independent Bank

167 NE 2nd St

509-427-5698

0.38 Mi

Riverview Community Bank

225 NE 2nd St

509-427-5603

0.45 Mi

First Independent Bank - Colu

1252 Wind River Rd

509-427-5101

3.59 Mi

Coffee Shops Name

Address

Telephone

Distance

Venus Cafe

326 Washington 14

509-427-2233

0.42 Mi

Bahma Coffee Bar

77 SW Russell Ave

509-427-8700

0.44 Mi

Eating and Drinking Places Name

Address

Telephone

Distance

El Rio Mexican Cafe

193 NE 2nd St

509-427-4479

0.41 Mi

Big River Grill

192 NE 2nd St

509-427-4888

0.41 Mi

Aunt Sandra's Scrumptious Sho

196 NE 2nd St

509-427-3600

0.41 Mi

It's A Wrap & More

220 NE 2nd St

509-427-7725

0.45 Mi

House of Flavor

230 1st St

509-427-5423

0.49 Mi

Golf Courses Name

Address

Telephone

Distance

Skamania Lodge Golf Course

1131 Skamania Lodge Rd

509-427-2540

1.50 Mi

Carson Hot Springs Golf Cours

1 Carson Frontage Rd

509-427-5150

4.10 Mi

Beacon Rock Public Golf

Mile Post 37 Hwy 14

509-427-5730

5.87 Mi

Grocers and Supermakets Name

Address

Telephone

Distance

A & J Select Market

265 NE 2nd St

509-427-5491

0.48 Mi

Columbia Market

Columbia Gorge Cente

541-374-8425

1.68 Mi

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

Copyright © 1995-2021 CDS Marketing, Inc.

310 NE FRANK JOHNS RD STEVENSON WA 98648 03753630058100 SKAMANIA COUNTY WA

Grocers and Supermakets Name

Address

Telephone

Distance

Eric's Place

1422 Wind River Rd

509-427-4414

3.68 Mi

Health Clubs and Spas Name

Address

Telephone

Distance

Curves

155 1st St

509-427-2787

0.40 Mi

The Dam Gym

66 E Cascade Dr

509-427-7444

6.07 Mi

Offices and Clinics of Dentists Name

Address

Telephone

Distance

Stevenson Dental Care

136 2nd St

509-427-8605

0.33 Mi

Telephone

Distance

Offices and Clinics of Medical Doctors Name Address Crossroads Behavioral Health

350 Northwest Bulldog Drive

509-427-7100

0.34 Mi

Wasilenkoff Larry Chiropracti

225 NE 2nd St

509-427-4266

0.45 Mi

Gorge Mobile Equine Veterinar

151 Simmons Rd

509-427-0055

0.57 Mi

Ashley Karen DVM

182 NW Loop Rd

509-427-8763

0.77 Mi

Pharmacies Name

Address

Telephone

Distance

Crossroads Behavioral Health

240 Southwest Cascade Avenue

509-427-7100

0.53 Mi

County Of Skamania

710 Rock Creek Drive

509-427-3850

0.84 Mi

Places of Religion Name

Address

Telephone

Distance

Lutheran Shepherd Of Hills

160 PO Box

509-427-5972

0.34 Mi

Carson Church Of Nazarene

92 Dalen St

509-427-8398

3.86 Mi

Retirement Communities Name

Address

Telephone

Distance

Rock Cove Assisted Living Com

986 Southwest Rock Creek Drive

509-427-7272

0.34 Mi

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

Copyright © 1995-2021 CDS Marketing, Inc.

310 NE FRANK JOHNS RD STEVENSON WA 98648 03753630058100 SKAMANIA COUNTY WA

Retirement Communities Name

Address

Telephone

Distance

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

Copyright © 1995-2021 CDS Marketing, Inc.

UTILITIES & RESOURCES

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STEVENSON UTILITIES Emergency/Police/Medical/Fire 911

Skamania County Pioneer (509) 427-8444

Poison Control (800) 222-1222 www.aapcc.org

Skamania County Transit (509) 427-3990 www.gorgetranslink.com

United States Postal Service (800) 275-8777 www.usps.com

Skamania County PUD #1 Electricity (509) 427-5126 www.skamaniapud.com

Xfinity (800) 266-2278 www.xfinity.com

Avista Natural Gas (800) 223-9165 www.myavsita.com

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

City of Stevenson Water Provider (509) 427-5970 www.ci.stevenson.wa.us

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

City of Stevenson Sewer Provider (509) 427-5970 www.ci.stevenson.wa.us

CenturyLink (877) 743-2907 www.allconnect.com

Columbia River Disposal (509) 493-3930 www.hoodrivergarbage.com

Gorge Networks (888) 508-2363 www.gorge.net

Skamania-Carson School District (509) 427-5674 www.scsd303.org

Wave Broadband (866) 928-3123 www.wavebroadband.com Dish Network (800) 318-0572 www.dish.com

RESOURCE GUIDE AIRPORT

CHAMBER OF COMMERCE

EDUCATION

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

Skamania County (509) 427-8911

Skamania School District (509) 427-8239 www.skamaniaschooldistrict.org

CITY CONTACT

Stevenson-Carson School District (509) 427-5674 www.scsd303.org

AUTO & DRIVER REGISTRATION Department of Licensing (509) 427-3730 www.dol.wa.gov BUS SERVICE Skamania County Transit (509) 427-3990 www.gorgetranslink.com CABLE / SATELLITE & INTERNET CenturyLink (855) 380-4150 www.centurylink.com Dish (844) 754-6269 www.dish.com Wave Broadband (866) 928-3123 www.wavebroadband.com Gorge Networks (888) 508-2363 www.gorge.net Verizon (800) 483-4000 www.verizon.com HughesNet (877) 679-0897 www.hughesnetplans.com

FOR ALL EMERGENCIES DIAL 911 Skamania County Sheriff (509) 427-9490 Washington State Patrol (360) 449-7999 North Bonneville Police (509) 427-8182 Fire (509) 427-5235 City Hall (509) 427-8182 Stevenson Police Fire City Hall

(509) 427-9490 (509) 427-5970 (509) 427-5970

Carson Police Fire City Hall

(509) 427-9490 (509) 427-8698 (509) 427-5970

Skamania Police Fire City Hall

(509) 427-9490 (509) 427-8187 (509) 427-5970

Hemlock Police Fire City Hall

(541) 427-4050 (509) 427-8698 (509) 427-5970

Underwood Police Fire City Hall

(509) 493-1177 (509) 493-1133 (509) 493-1133

White Salmon Valley School District (509) 493-1500 www.wsvsd.org HOSPITALS Skyline Health (509) 493-1101 www.myskylinehealth.org NEWSPAPERS Skamania County Pioneer (509) 427-8444 RECREATION Columbia Gorge Interpretive Center (509) 427-8211 www.columbiagorge.org Cape Horn Lookout 24447 Evergreen Hwy Washougal, WA 98671 River House Art Gallery (509) 427-5930 www.riverhouseartgallery.com Skamania Lodge (509) 314-4177 www.skamania.com Martin’s Gorge Tours (503) 349-1323 www.martinsgorgetours.com

RESOURCE GUIDE RECREATION CONTINUED...

TRANSFER STATIONS

Carson Hot Springs Golf & Spa (509) 427-8296 www.carsonhotspringswashingto n.com

Mt. Pleasant Transfer Station (360) 837-3329 1111 Mt. Pleasant Rd Washougal, WA 98671

Elk Ridge Golf Course (509) 427-0127 www.elkridgegolfcourse.com

Stevenson Transfer Station (509) 427-3926 1332 Ryan Allen Rd Stevenson, WA 98648

Washington Shore Visitor Center (541) 374-8820 www.nwp.usace.army.mil Beacon Rock Golf Course (509) 427-5730 www.beaconrockgolf.com

Underwood Transfer Station (503) 493-3313 1402 Little Buck Creek Rd Underwood, WA 98651 USPS

Spring Creek National Fish Hatchery (509) 493-1730 www.fws.gov

(800) 275-8777 www.usps.com

Portland Rafting Company (971) 380-1204 www.pdxraft.com

Skamania County (509) 427-3730 elections@co.skamania.wa.us

AniChe Cellars (360) 624-6531 www.anichecellars.com

UTILITIES

SHOPPING Moon River Home & Living (503) 348-2385 Skamania General Store (509) 427-4820 Out on a Limb Home & Her (509) 427-2271 www.outonalimbstyle.com A & J Select Markets (509) 427-5491 www.ajmarket.com Gator Creek Gardens (509) 427-0010 www.gatorcreekgardens.com

VOTER REGISTRATION

North Bonneville Water/Sewer (509) 427-8182 Garbage (800) 622-1096 Stevenson Water/Sewer (509) 427-5970 Garbage (509) 493-3930 Carson Water/Sewer (509) 427-5126 Garbage (509) 493-3930 Skamania Water/Sewer (509) 427-5126 Garbage (509) 493-3930 Skamania County Public Utilities (509) 427-5126 www.skamaniapud.com

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.