407 SE Everett Rd, Camas, WA

407 SE Everett Road Camas, WA 98607

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

407 SE EVERETT RD CAMAS WA 98607 178173000 CLARK COUNTY WA

Owner Information Owner Name:

HAVEN JEFFREY S / HAVEN ROBERTA

Vesting:

HUSBAND AND WIFE

Mail Address:

407 SE EVERETT RD CAMAS WA 98607

Owner Status:

OwnerOccupied

Location Information

Legal Desc:

#81 SEC 35 T2NR3EWM 1.50A FOR ASSESSOR USE ONLY NW 1/4 OF NE 1/4 EXC #92

County:

CLARK

Census/Block: 040605 / 3001

Alt Parcel # School District: CAMAS

Tsp-Rng-Sec:

T02N-R03E-S35

Municipality:

CITY CAMAS

Lot / Block:

Lot: Block:

Parcel #:

178173000

Housing Tract: Last Market Sale Date:

2003-02-11/2003-02-10

Lender:

FIRST HORIZON CORP

Sale Price:

183000

Loan:

146400

Document #: 3585383

Document #: 3585384

Doc Type:

DEED

Loan Type:

$ Sqft:

$125.51

Loan Term:

CONVENTIONAL

Prior Sale Information Date:

2001-09-28/2001-09-27

Lender:

Price:

173000

Loan:

Document #: 3373623 Doc Type:

DEED

155700

Document #: Loan Type:

CONVENTIONAL

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

Copyright © 1995-2020 CDS Marketing, Inc.

407 SE EVERETT RD CAMAS WA 98607 178173000 CLARK COUNTY WA

Property Characteristics Gross Area:

2058

Garage Area:

Interior Wall

Living Area:

1458

Roof Shape:

Porch Type:

PORCH

Above Grade: 2,058

Foundation:

Patio Type:

PORCH/NO STEP

Bedrooms:

3

Roof Material: CEMENT/COMPOSITION Air Cond:

Bath (F/H):

1/

Construction: STEEL

Fireplace: Year Built:

Heat Type: 1919

Parking Type: Garage

HEAT PUMP

Fixtures: Floor:

Cooling Type:

Equipment:

Exterior Wall:

Stories:

1.50

Pool:

No AVERAGE

Units:

1

Rooms:

Basement:

600

Quality:

EXCELLENT

Condition:

Property Information Land Use:

SFR

County Use:

11

State Use:

Zoning:

R-12 : CAM

Lot Acres:

1.5

Lot Sqft:

65,340

Len/Wid:

234/234

Tax and Assessment Information Assd Year:

2020

Assd Value:

$527,463

Taxable Val:

$527,463

Tax Year:

2020

Land Value:

$208,724

Mkt Value:

$527,463

Tax Area:

10416

Imp Value:

$318,739

Exemption:

Property Tax:

$6,399.85

Improved %:

60%

District:

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

Copyright © 1995-2020 CDS Marketing, Inc.

407 SE EVERETT RD CAMAS WA 98607 178173000 CLARK COUNTY WA

Averages

Avg Bedrooms

Avg Bathrooms

Avg Sqft

Avg Price

Avg $Sqft

2015

1.00

2.00

1,451

$267,500

$184

2016

1.00

2.13

1,454

$268,425

$185

2017

2.00

2.50

1,644

$255,000

$155

2018

2.00

1.75

1,497

$505,250

$338

2019

1.00

2.30

1,482

$395,863

$267

Average Sale Price $505,250 $395,863 $267,500

$268,425

$255,000

2015

2016

2017

2018

2019

Average $ Per Square Foot $338 $267 $184

$185

2015

2016

$155

2017

2018

2019

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

Copyright © 1995-2020 CDS Marketing, Inc.

407 SE EVERETT RD CAMAS WA 98607 178173000 CLARK COUNTY WA

Female Population

13,862

13.6%

0-9

21.0%

19.1% 8.9% 10-19

20-29

12.6% 30-39

40-49

15.2%

50-59

10.4%

8.1%

60-69

70+

Male Population

13,437

13.9%

0-9

20.6%

10-19

9.6%

12.5%

20-29

30-39

Education

18.6%

40-49

15.8%

50-59

10.9% 60-69

7.7% 70+

Employment

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

6.0% 18.9% 34.2% 24.3% 16.6%

Working Age: Labor Force: Median Income:

19,495 76.2% $87,373 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:

9301 NE 26th Court Vancouver, WA 98665

[__________] [__________] __________ 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

407 SE EVERETT RD CAMAS WA 98607 178173000 CLARK COUNTY WA

Camas School District Elementary Schools Lacamas Heights Elementary 4600 NE GARFIELD STREET CAMAS WA 98607 Grades: KG to 05 Charter School: U Magnet School: U

360-817-4429 Area Desc: Rural: Fringe Distance: 0.44 Miles Title One: Y

James David Zellerbach Elementary 841 NE 22ND AVE CAMAS WA 98607 Grades: KG to 06 Charter School: U Magnet School: U Middle Schools Liberty Middle School 1612 NE GARFIELD ST CAMAS WA 98607 Grades: 06 to 08 Charter School: U Magnet School: U High Schools Camas High 26900 SE 15TH ST CAMAS WA 98607 Grades: 08 to 12 Charter School: U Magnet School: U

360-817-4435 Area Desc: Suburb: Large Distance: 1.68 Miles Title One: Y

Hayes Freedom High 1919 NE IONE ST CAMAS WA 98607 Grades: 09 to 12 Charter School: U

360-833-5553 Area Desc: Suburb: Large Distance: 1.84 Miles Title One: N

Magnet School: U

360-604-6625 Area Desc: Suburb: Large Distance: 1.92 Miles Title One: Y 360-817-4441 Area Desc: Rural: Fringe Distance: 0.68 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.

CamasSchoolDi st r i ct 841NE22ndAv e CAMAS,WA986071148

360.

335.

3000

( 201920Sc hool Year )

7, 654

3%

14%

80%

89% 9t hGr ader son Tr ackt oGr aduat e

72%

35% HaveHi ghEngl i sh LanguageAr t sGr owt h

67%

39% HaveHi ghMat h Gr owt h Fi nanc es

6 422 76.

5% 13.

17.

2

$11, 319 $1, 524

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.

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Woodbur nEl ement ar y 2400NEWoodbur nDr Camas,WA98607

360.

833.

5860

( 201920Sc hool Year )

590

4%

72%

23%

89% HaveRegul ar At t endance

68%

37% HaveHi ghEngl i sh LanguageAr t sGr owt h

68%

34% HaveHi ghMat h Gr owt h Fi nanc es

1 34 79.

4% 12.

13.

6

$10, 901 $1, 524

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 / 105624 I fy ouhav eques t i onsorc omment s , c ont ac tRepor t Car dRedes i gn@k 12. wa. us

Li ber t yMi ddl eSchool 1612NEGar f i el dSt Camas,WA98607

360.

833.

5850

( 201920Sc hool Year )

820

1%

78%

20%

95% HaveRegul ar At t endance

74%

36% HaveHi ghEngl i sh LanguageAr t sGr owt h

73%

51% HaveHi ghMat h Gr owt h Fi nanc es

1 46 87.

0% 13.

16.

3

$12, 618 $1, 524

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 / 104207 I fy ouhav eques t i onsorc omment s , c ont ac tRepor t Car dRedes i gn@k 12. wa. us

CamasHi ghSchool 26900SE15THST Camas,WA986077296

360.

833.

5750

( 201920Sc hool Year )

2, 187

1%

12%

88%

67%

91%

56%

9t hGr ader son Tr ackt oGr aduat e

TookaDualCr edi t Cour se

48%

93% Gr aduat ei n4year s Fi nanc es

4 112 73.

2% 13.

19.

7

$10, 206 $1, 524

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 / 100629 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 CAMAS

19,355 POPULATION 2010 Census Data

MALE 49.6%

$60,187

36.9

MEDIAN INCOME

MEDIAN AGE

2000 Census Data

Camas

HOUSING 2010 Census Data  

2010 Census Data

Camas is a city located in Clark County. Officially incorporated on June 18, 1906, the city is named after the camas lily, a plant with an onion-like bulb prized by Native Americans. At the west end of downtown Camas is a large Georgia-Pacific paper mill from which the high school teams get their name, "the Papermakers". A paper mill was first established in the city in 1883 with the support of Henry Pittock, a wealthy entrepreneur from England who had settled in Portland, Oregon, where he published The Oregonian.

SCHOOL DISTRICTS 

FEMALE 50.4%

76.84% of homes owner occupied 23.16% of homes rented

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

31.1% under age 18 6.5% between ages 18 to 24 27.1% between ages 25 to 44 26.8% between ages 45 to 64 8.7% above age 65

CITY QUICK FACTS POPULATION DENSITY 2010 Census Data  

1,434.8 inhabitants per sq. mile 7,072 housing units at an average density of 524.2 per sq. mile

     

20 miles east of Portland Prune Hill is a major geographical feature of the city 15.25 square miles 75 feet elevation Highest Average Temperature 82º Lowest Average Temperature 33º

Pittock's LaCamas Colony bought 2600 acres in 1883, forming the Columbia River Paper Company the following year to begin production in 1885, before merging with Oregon City's Crown Paper Company to form Crown Columbia Paper in 1905. Converting from steam to electricity in 1913, it then merged with Willamette Paper in 1914 and then again in 1928 with Zellerbach Paper to become the largest paper company on the west coast, Crown Zellerbach. Changing from newsprint to toilet tissue in 1930, it temporarily produced shipyard parts during the second world war. In 1950 it was the first factory to produce folded paper napkins.

Â

CLARK COUNTY BASE MAP

Your Local Market Report Camas, WA 98607 REPORT FOR 7/30/2020 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

Camas, WA 98607

This week the median list price for Camas, WA 98607 is $610,000 with the market action index hovering around 39. This is an increase over last month's market action index of 36. Inventory has held steady at or around 151.

Real-Time Market Profile

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

39

100

ay Tod

M

80

Last

th on

0

Seller's Market

70

30

Slight Seller's Advantage Home sales continue to outstrip supply and the Market Action Index has been moving higher for several weeks. This is a Seller’s market so watch for upward pricing pressure in the near future if the trend continues.

Median List Price

$610,000

Per Square Foot

$240

Days on Market

124

Price Decreased

24%

Price Increased

31%

Relisted

3%

Inventory

151

Median Rent

$1,848

Most Expensive

$8,000,000

Least Expensive

$299,900

Market Action

39

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

$919,000

3,821

0.25 - 0.5 acre

4

3

15

1

5

168

$652,975

2,849

6,500 - 8,000 sqft

4

3

1

3

6

151

$559,975

2,415

6,500 - 8,000 sqft

4

2

0

3

4

96

$480,700

1,906

4,500 - 6,500 sqft

3

2

0

7

5

81

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2 of 6

Single-Family Homes

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

Camas, WA 98607

Median List Price

Prices in this zip code seem to have settled around a plateau. Look for a persistent down-shift in the Market Action Index before we see prices deviate from these levels. $675K

$650K

$625K

$600K

$575K

$550K

$525K Aug 2017

Dec 2017

Apr 2018

Aug 2018

Dec 2018

7-Day Average

Apr 2019

Aug 2019

Dec 2019

Apr 2020 Jul 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. $1.3M

$1.0M

$750K

$500K

$250K Aug 2017

Dec 2017

Apr 2018

Aug 2018

Dec 2018

Apr 2019

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

Aug 2019

Dec 2019

Apr 2020 Jul 2020

Third/Lower 90-Day

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3 of 6

Single-Family Homes

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

Camas, WA 98607

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. $250

$240

$230

$220

$210

$200

$190 Aug 2017

Dec 2017

Apr 2018

Aug 2018

Dec 2018

7-Day Average

Apr 2019

Aug 2019

Dec 2019

Apr 2020 Jul 2020

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.

300

250

200

150

100

50 Aug 2017

Dec 2017

Apr 2018

Aug 2018

Dec 2018

7-Day Average

Apr 2019

Aug 2019

Dec 2019

Apr 2020

Jul 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

Camas, WA 98607

Market Action Index

Home sales continue to outstrip supply and the Market Action Index has been moving higher for several weeks. This is a Seller’s market so watch for upward pricing pressure in the near future if the trend continues.

70

60

50

40

30

20 Aug 2017

Dec 2017

Apr 2018

Aug 2018

Dec 2018

7-Day Average

Apr 2019

Aug 2019

Dec 2019

Apr 2020

Jul 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 Aug 2017

Dec 2017

Apr 2018

Aug 2018

Dec 2018

Apr 2019

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

Aug 2019

Dec 2019

Apr 2020

Jul 2020

Third/Lower 90-Day

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5 of 6

Single-Family Homes

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

Camas, WA 98607

Average Days on Market (DOM)

The properties have been on the market for an average of 120 days. Half of the listings have come newly on the market in the past 58 or so days. Watch the 90-day DOM trend for signals of a changing market.

200

175

150

125

100

75

50 Aug 2017

Dec 2017

Apr 2018

Aug 2018

Dec 2018

7-Day Average

Apr 2019

Aug 2019

Dec 2019

Apr 2020

Jul 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 Aug 2017

Dec 2017

Apr 2018

Aug 2018

Dec 2018

Apr 2019

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

Aug 2019

Dec 2019

Apr 2020

Jul 2020

Third/Lower 90-Day

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407 SE EVERETT RD CAMAS WA 98607 178173000 CLARK COUNTY WA

Animal - Services Name

Address

Kokta, Theresa DVM - Kokta's Bachelder, Robyn DVM - Banfie

Telephone

Distance

1906 SE 331st Ave

360-356-4645

3.46 Mi

130 SE 192nd Ave

360-254-0362

3.53 Mi

Bargar, Erich DVM - Orchard H

3501 Evergreen Way

360-835-2184

4.54 Mi

Fritch, Maurine D DVM - Casca

16820 SE McGillivray Blvd

360-892-2122

4.73 Mi

Riverview Animal Hospital

3200 SE 164th Ave, #210

360-256-4147

5.10 Mi

Banks Name

Address

Telephone

Distance

Riverview Community Bank - Ca

700 NE 4th Ave

360-834-2231

2.20 Mi

Bank Of America

528 NE 4th Ave

360-834-4141

2.28 Mi

Huff- Linda D

605 NE 3rd Ave

360-834-3511

2.29 Mi

US Bank

430 NE Adams St

360-834-2089

2.37 Mi

Wells Fargo Bank

3252 NE 3rd Ave

360-835-1708

2.81 Mi

Coffee Shops Name

Address

Telephone

Distance

Starbucks: 2nd Street & C Str

291 C St

360-835-5205

2.92 Mi

Starbucks

291 C Street #102

360-835-5205

2.93 Mi

Starbucks: Columbia Tech Cent

530 SE 192nd Ave, #Ave-1

360-896-8784

3.52 Mi

Starbucks: Columbia Tech Cent

530 SE 192nd Ave

360-896-8784

3.52 Mi

Starbucks

530 SE 192nd Ave, #100

360-896-8784

3.53 Mi

Credit Unions Name

Address

Telephone

Distance

Lacamas Community Credit Unio

640 E St

360-834-3611

3.03 Mi

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

Copyright © 1995-2020 CDS Marketing, Inc.

407 SE EVERETT RD CAMAS WA 98607 178173000 CLARK COUNTY WA

Credit Unions Name

Address

Telephone

Distance

People's Community CU

16211 SE 12th St

360-695-5121

5.01 Mi

Nw Priority Credit Union

12630 SE Division St

503-760-5304

10.19 Mi

Eating and Drinking Places Name

Address

Telephone

Distance

Lakeside Chalet

998 SE Everett Rd

360-834-3430

0.28 Mi

Big Lou's Texas BBQ

1924 NE 3rd Ave

360-834-4114

2.25 Mi

Subway in Camas

602 NE 3rd Ave

360-834-0210

2.29 Mi

Dragoo's

421 NE Cedar St

360-833-0444

2.31 Mi

Dodge City Bar & Grill

304 NE 4th Ave

360-833-1044

2.34 Mi

Golf Courses Name

Address

Telephone

Distance

Camas Meadows Golf Club

4105 NW Camas Meadows Dr

360-833-2000

2.43 Mi

Green Mountain Golf Course

2917 NE Ingle Rd

360-833-8463

3.33 Mi

Orchard Hills Golf Club

605 39th St

360-835-5444

4.53 Mi

Fairway Village Golf Course

15509 SE Fernwood Dr

360-254-9325

5.45 Mi

Pub Course at McMenamins Edge

2126 SW Halsey St

503-669-8610

5.70 Mi

Grocers and Supermarkets Name

Address

Telephone

Distance

Fern Prairie Market

1817 NE 267th Ave

360-834-3504

1.22 Mi

Safeway Food & Drug - Camas-

800 NE 3rd Ave

360-834-7933

2.24 Mi

Rob's Gourmet

2527 NE 3rd Ave

360-834-5208

2.41 Mi

Grocery Outlet Inc

3300 NE 3rd Ave

360-335-0520

2.84 Mi

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

Copyright © 1995-2020 CDS Marketing, Inc.

407 SE EVERETT RD CAMAS WA 98607 178173000 CLARK COUNTY WA

Grocers and Supermarkets Name

Address

Telephone

Distance

Grocery Outlet

3308 NE 3rd Ave

360-335-0520

2.84 Mi

Health Clubs and Spas Name

Address

Telephone

Distance

YMCA Jack Will & Rob Center

2041 NE Ione St

360-817-9966

1.77 Mi

Lacamas Swim & Sport Club

2950 NW 38th Ave

360-834-8506

2.12 Mi

Curves For Women

3252 NE 3rd Ave, #3

360-335-1630

2.81 Mi

Vancouver Yacht Club

24 S A St

360-835-5400

3.02 Mi

Dolphin Yacht Club

34 S A St

360-835-3119

3.03 Mi

Hospitals - Acute Care Name

Address

Telephone

Distance

Legacy Mount Hood Medical Cen

24800 SE Stark St

503-674-1122

6.96 Mi

Nursing Homes Name

Address

Telephone

Distance

Highland Terrace Nursing Ctr

640 NE Everett St

360-834-5055

2.15 Mi

Village Manor

2060 NE 238th Dr

503-491-0553

5.72 Mi

Cascade Park Care Center

801 SE Park Crest Ave

360-253-2879

5.75 Mi

Marquis Care At Centennial

725 SE 202nd Ave

503-665-3118

7.50 Mi

Good Samaritan Society - Fair

3457 NE Division St

503-667-1965

7.93 Mi

Offices and Clinics of Chiropractors Name

Address

Telephone

Distance

Rial Douglas A DC Lmt

110 E Columbia River Hwy

503-667-1105

5.49 Mi

Homer, Lucas Q DC - Cascade P

12214 Se Mill Plain Blvd, #101

360-254-4040

6.94 Mi

Offices and Clinics of Dentists Name

Address

Telephone

Distance

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

Copyright © 1995-2020 CDS Marketing, Inc.

407 SE EVERETT RD CAMAS WA 98607 178173000 CLARK COUNTY WA

Offices and Clinics of Dentists Name

Address

Telephone

Distance

Kathryn L Poleson Mike R Warner

4640 Nw Valley St

360-254-8300

1.44 Mi

300 County Road 120

360-260-4172

2.04 Mi

Sanjeev K Sharma

Premiere Dental Care 19221 Se

360-882-9595

2.24 Mi

Daniel Wilson

1519 E Edison Ave

509-839-2093

2.24 Mi

Harris, Bryan D Dds

316 Ne Cedar St

360-834-2682

2.34 Mi

Telephone

Distance

Offices and Clinics of Medical Doctors Name Address Adventist Health Adventist Me

1700 NE 257th Ave

509-669-6800

0.53 Mi

Alc-Mountainview House

2647 NW Kent St

360-834-3988

1.67 Mi

Highland Terrace Nursing Cent

640 NE Everett St

360-834-5055

2.16 Mi

Liem Annie L MD

411 NE 6th Ave

360-834-2863

2.23 Mi

Camas Vision Center

225 NE 4th Ave

360-834-2063

2.37 Mi

Pet Sitting Services Name

Address

Andrew, Michael P DVM - Town

12515 SE Division St

Pharmacies Name

Address

Columbia Ridge Assisted Livin Safeway Inc

Telephone

Distance

503-761-2330

10.20 Mi

Telephone

Distance

2300 W 9th St

360-335-1238

2.04 Mi

800 NE 3rd Ave

206-834-6550

2.24 Mi

Camas Family Health Center, P

235 NE 6th Ave

360-834-5126

2.27 Mi

Camas Natural Health & Wellne

337 NE 5th Ave

360-834-7533

2.27 Mi

Camas Chiropractic Center

732 NE 2nd Ave

360-834-3434

2.31 Mi

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

Copyright © 1995-2020 CDS Marketing, Inc.

407 SE EVERETT RD CAMAS WA 98607 178173000 CLARK COUNTY WA

Pharmacies Name

Address

Telephone

Distance

Places of Religion Name

Address

Telephone

Distance

Church of the Nazarene

2204 NE Birch St

N/A

1.68 Mi

St John's Presbyterian Chr

1206 NE Birch St

N/A

2.14 Mi

First Church Of Christ Scntst

704 NE 5th Ave

360-834-4752

2.18 Mi

Zion Lutheran Church Elca

824 NE 4th Ave

N/A

2.19 Mi

Gateway Community Church

1235 E St

N/A

3.42 Mi

Retirement Communities Name

Address

Telephone

Distance

Fishers Landing Assisted Livi

17171 SE 22nd Dr

360-885-1400

4.67 Mi

Vancouver Realtor

1405 SE 164th Ave

800-897-8670

4.88 Mi

Waterford at Fairway Village

2911 SE Village Loop

360-433-6300

5.15 Mi

A Caring Choice Referral Serv

16414 NE 35th St

360-910-2154

5.18 Mi

Clerestorie

1821 SE Solomon Loop

360-260-9002

5.27 Mi

Veterinary - Emergency Services Name

Address

Telephone

Distance

Camas Washougal Animal Hospit

401 6th St

360-835-7240

3.11 Mi

Hearthwood Dog & Cat Clinic

14516 SE Mill Plain Blvd

360-831-0706

5.83 Mi

Wildwood Animal Hospital

1404 NE 181st Ave

503-665-1126

6.97 Mi

VCA 12-Mile Animal Hospital

21920 SE Stark St

503-342-8890

7.14 Mi

Halsey-East Animal Clinic PC

16057 NE Halsey St

503-255-0261

7.46 Mi

Veterinary - Medicine Name

Address

Telephone

Distance

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

Copyright © 1995-2020 CDS Marketing, Inc.

407 SE EVERETT RD CAMAS WA 98607 178173000 CLARK COUNTY WA

Veterinary - Medicine Name

Address

Telephone

Distance

Shaffer Animal Clinic Hollywood Pet Hospital

624 NW Ivy St

360-834-7853

2.57 Mi

290-3565 NE Sandy Blvd

503-234-9229

5.59 Mi

A Animal Health Services Spay

3030 NE Hogan Dr

503-667-2763

7.07 Mi

Banfield, the Pet Hospital

11815 NE Glenn Widing Dr

503-256-7299

7.54 Mi

Idexx Veterinary Svc Incorpor

12015 NE Sumner St

503-255-1820

7.78 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

CAMAS 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

Camas-Washougal Post Record (360) 834-2141 www.camaspostrecord.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 City of Camas Water District (360) 817-1567 www.cityofcamas.us City of Camas Sewer Provider (360) 817-1567 www.cityofcamas.us Waste Connections (360) 892-5370 www.wcnorthwest.com Camas School District (360) 335-3000 www.camas.wednet.edu

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

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CONSUMER EXPERIENCE TIMELINE TRANSACTION STARTED

TITLE REPORT DELIVERED

UPDATER INVITATION

NEARING YOUR SIGNING

TRANSACTION CLOSES

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

Notification is sent after Title Report is completed.

Notification is sent in conjunction with Title Cleared notification.

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

Notification sent one day after transaction is marked recorded.

EARNEST MONEY

MIDPOINT FEEDBACK

TITLE CLEARED

SIGNING SCHEDULED

Notification is sent when EM is received

by Escrow.

Notification is sent 10 days after Title Report is completed.

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

Notification is sent to both Buyer and Seller.

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

KEEP Notification is sent to Buyers every 90 days.

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

COVENANTS, CONDITIONS & RESTRICTIONS

Covenants, Conditions & Restrictions Our search found no CC&R’s of record for this property.

However, no examination of title has been made and WFG National Title assumes no liability.