Sample Home & Community Book (Oregon)

900 SE Arrow Creek Lane Gresham, OR 97080

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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

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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

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1%

3%

Teachers

0%

57

23%

*Not enough students

Free/ Reduced Price Lunch

District Website: www.gresham.k12.or.us

Students with Disabilities

13% 94% 63%

Languages Spoken

91%

Teachers

Ever English Learners

58%

Students

Required Vaccinations

1%

Teachers

White

1%

Students

Native Hawaiian/Pacific Islander

6%

Students

Teachers

Multiracial

28%

<1%

Students

Hispanic/Latino

Teachers

Students

3%

3%

Black/African American

3%

Students

Teachers

Asian

1%

Students

Teachers

American Indian/Alaska Native

DEMOGRAPHICS

Student Enrollment

11,888

Students We Serve

48%

77%

For more information please visit: www.oregon.gov/ode

The Oregon Department of Education is working in partnership with school districts and local communities to ensure a 90% on-time, four year graduation rate by 2025. To progress toward this goal, the state will prioritize efforts to improve attendance, invest in implementing culturally responsive practices, and promote continuous improvement to close opportunity and achievement gaps for historically and currently underserved students.

Our district strives to produce culturally responsive graduates who will thrive in an ever changing global community. We focus on providing high-quality instruction to each student in our district while providing a physically and emotionally safe and culturally responsive learning environment that gives students and families voice. We use our resources wisely and apply an equity lens in all decision making. We empower and inspire each student.

Oregon average

State Goals

Oregon average

76%

2%

Increase from previous year

Students earning a diploma within four years.

Grade 12 ON-TIME GRADUATION

District Goals

Oregon average

85%

1%

1%

41%

Increase from previous year

Increase from previous year

76%

Students earning one-quarter of graduation credits in their 9th grade year.

Students meeting state grade-level expectations.

31%

4%

Oregon average

Grade 9 ON-TRACK TO GRADUATE

83%

Oregon average

39%

Grade 8 MATHEMATICS

High School Success

81%

Students meeting state grade-level expectations.

Students who attended more than 90% of their enrolled school days.

Decrease from previous year

Grades 3-8 INDIVIDUAL STUDENT PROGRESS

Grade 3 ENGLISH LANGUAGE ARTS

Grades K-2 REGULAR ATTENDERS

Year-to-year progress in English language arts and mathematics.

Academic Progress

2017-18

Start Strong

SUPERINTENDENT: A. Katrise Perera | 1331 NW Eastman Pkwy, Gresham 97030 | 503-261-4550

OREGON AT-A-GLANCE DISTRICT PROFILE Gresham-Barlow SD 10J

Coming in 2018-19

Teacher Experience

Average per pupil spending

$10,326

Librarians

15

Counselors

27

Educational assistants

177

Teachers

545

40

Administrators

District Website: www.gresham.k12.or.us

Our Staff

Grade 8 MATHEMATICS

82%

12% 25% 42%

39%

<5% Migrant

Male

Female

Talented and Gifted

28%

34%

24%

23%

Students with Disabilities

Ever English Learner

34% 23%

Free/Reduced Price Lunch

White

Native Hawaiian/Pacific Islander Not enough students

Multiracial

Hispanic/Latino

Black/African American

Asian

American Indian/Alaska Native Not enough students

Male

83%

79%

84%

85%

Female

89%

Talented and Gifted

85%

92%

Migrant

73%

Ever English Learner Students with Disabilities

83% 81%

Free/Reduced Price Lunch

59%

79%

75%

70%

Grades K-2 REGULAR ATTENDERS

White

Native Hawaiian/Pacific Islander

Multiracial

Hispanic/Latino

Black/African American

Asian

American Indian/Alaska Native

Outcomes

34%

46%

39% >95%

67%

81% 72%

91%

89%

Average

Average

High

High

Average

Average

53%

72%

80%

71%

69%

71%

78%

70%

73%

76%

64%

Grade 12 ON-TIME GRADUATION

Coming in 2018-19

Coming in 2018-19

Coming in 2018-19

Coming in 2018-19

Average

Coming in 2018-19

Average

Grades 3-8 INDIVIDUAL STUDENT PROGRESS

93%

86%

85%

High

2017-18

Seismic Safety: http://www.oregongeology.org/sub/projects/rvs/activity-updates/status.html

Not enough students

82% 71%

65%

68%

66%

57%

Not enough students

Not enough students

Grade 9 ON-TRACK TO GRADUATE

20%

23%

36%

45%

Not enough students

36%

30%

24%

28%

Not enough students

Grade 3 ENGLISH LANGUAGE ARTS

SUPERINTENDENT: A. Katrise Perera | 1331 NW Eastman Pkwy, Gresham 97030 | 503-261-4550

OREGON AT-A-GLANCE DISTRICT PROFILE CONTINUED Gresham-Barlow SD 10J

0%

4%

0%

4%

Teachers

0%

9

*Not enough students

Free/ Reduced Price Lunch

School Website: pvweb.gresham.k12.or.us/

Students with Disabilities

13% 93% >95%

Ever English Learners

Languages Spoken

92%

Teachers

19%

57%

Students

Required Vaccinations

0%

White

0%

Students

Teachers

Native Hawaiian/Pacific Islander

7%

Students

Teachers

Multiracial

30%

Students

Hispanic/Latino

2%

Students

Teachers

Black/African American

2%

Students

Teachers

Asian

<1%

Students

Teachers

American Indian/Alaska Native

DEMOGRAPHICS

Student Enrollment

456

Students We Serve

51%

44%

- Promote equity, cultural competence, and high expectations.

- Enhance project based learning.

The Oregon Department of Education is working in partnership with school districts and local communities to ensure a 90% on-time, four year graduation rate by 2025.

To progress toward this goal, the state will prioritize efforts to improve attendance, invest in implementing culturally responsive practices, and promote continuous improvement to close opportunity and achievement gaps for historically and currently underserved students.

- Deliver differentiated, standards based instruction.

Oregon average

State Goals

Oregon average

29%

2%

1%

School Goals

37%

Increase from previous year

Students meeting state grade-level expectations.

80%

Oregon average

5%

Decrease from previous year

MATHEMATICS

Students meeting state grade-level expectations.

25

Oregon average

83%

ENGLISH LANGUAGE ARTS

Academic Success

30

3

Decrease from previous year

Students who attended more than 90% of their enrolled school days.

Median class size.

Increase from previous year

INDIVIDUAL STUDENT PROGRESS

REGULAR ATTENDERS

CLASS SIZE

65%

Oregon average

For more information please visit: www.oregon.gov/ode

We celebrate the diversity of our families, our staff, the rich language, and the cultural assets each person brings to our District. We honor and uphold the right to freedom of speech and expect individuals to exercise that right responsibly. The District will be steadfast in providing a safe and welcoming environment for ALL.

Safe & Welcoming Environment

61%

8%

Increase from previous year

Students meeting state grade-level expectations.

SCIENCE

Year-to-year progress in English language arts and mathematics.

Academic Progress

2017-18

School Environment

PRINCIPAL: Michele Cook | GRADES: K-5 | 4825 SE Powell Valley Rd, Gresham 97080 | 503-661-1510

OREGON AT-A-GLANCE SCHOOL PROFILE Powell Valley Elementary School

New principal in the last 3 years

No

Coming in 2018-19

Teacher Experience

Average teacher turnover rate

9%

Counselors

1

Educational assistants

6

Teachers

21

School Website: pvweb.gresham.k12.or.us/

Our Staff REGULAR ATTENDERS

81% 82%

Hispanic/Latino Multiracial

47%

- Leadership Team

We strive for our school to be free from discrimination, safe and healthy. Each student is entitled to come to school in an environment in which learning is valued and disruptions are minimized. Our discipline philosophy is designed to produce behavioral changes that will enable students to develop the self discipline necessary to remain in school and to function successfully in their educational and social environments.

Lessons in regard to prevention of, and appropriate response to, acts of harassment or bullying are taught within our school and all entities are encouraged to report any bullying and harassment to school officials.

- Choir Club

- Jump Rope Club

- Green Team

- Audio/Visual Team

EXTRACURRICULAR ACTIVITIES

47%

29%

36%

We are in partnership with Community Church, Police Department, and OASIS Volunteers

COMMUNITY ENGAGEMENT

21%

Not enough students

Not enough students

22%

10%

30%

Not enough students

21%

Not enough students

Not enough students

Not enough students

MATHEMATICS

2017-18

For more information please visit: www.oregon.gov/ode

Two-way communication and active engagement is key. We have activities throughout the year where families are invited to join us in learning together.

Parent volunteers are welcome and valued. Please visit our school website for more specific information about our various activities. We have community liaisons that support Spanish and Russian families. In addition, we access telephonic language interpretation and schedule outside interpreters as needed to support families from all other language backgrounds.

PARENT ENGAGEMENT

38%

83%

Male

BULLYING, HARASSMENT, AND SAFETY POLICIES

About Our School

35%

84%

Female

Not enough students

37%

Talented and Gifted Not enough students

14%

15%

38%

Not enough students

30%

Not enough students

Not enough students

Not enough students

85%

91%

Not enough students

ENGLISH LANGUAGE ARTS

Migrant Not enough students

70%

Ever English Learner Students with Disabilities

83% 81%

Free/Reduced Price Lunch

White

Native Hawaiian/Pacific Islander Not enough students

80%

Black/African American

Asian

American Indian/Alaska Native Not enough students

Outcomes

PRINCIPAL: Michele Cook | GRADES: K-5 | 4825 SE Powell Valley Rd, Gresham 97080 | 503-661-1510

OREGON AT-A-GLANCE SCHOOL PROFILE CONTINUED Powell Valley Elementary School

3%

3%

0%

5%

Teachers

0%

19

*Not enough students

Free/ Reduced Price Lunch

School Website: russell.gresham.k12.or.us/

Students with Disabilities

15% 94% 51%

Ever English Learners

Languages Spoken

87%

Teachers

26%

57%

Students

Required Vaccinations

3%

White

1%

Students

Teachers

Native Hawaiian/Pacific Islander

5%

Students

Teachers

Multiracial

30%

Students

Hispanic/Latino

4%

Students

Teachers

Black/African American

2%

Students

Teachers

Asian

1%

Students

Teachers

American Indian/Alaska Native

DEMOGRAPHICS

Student Enrollment

786

Students We Serve

56%

61%

- Our school motto is Every Student, Every Class, Every Day to prepare our students for high school and beyond.

For more information please visit: www.oregon.gov/ode

We celebrate the diversity of our families, our staff, the rich language, and the cultural assets each person brings to our District. We honor and uphold the right to freedom of speech and expect individuals to exercise that right responsibly. The District will be steadfast in providing a safe and welcoming environment for ALL.

The Oregon Department of Education is working in partnership with school districts and local communities to ensure a 90% on-time, four year graduation rate by 2025.

To progress toward this goal, the state will prioritize efforts to improve attendance, invest in implementing culturally responsive practices, and promote continuous improvement to close opportunity and achievement gaps for historically and currently underserved students.

- Academic success and preparing students for high school using Response to Intervention model, tutoring and enrichment programs, an ELD program to support students, Special Education for qualifying students.

Safe & Welcoming Environment

Oregon average

State Goals

41%

Oregon average

51%

- Promote student success through a welcoming and engaging environment. Our PBIS Program, Kindness Challenge, Happiness Project Curriculum, Student Leadership Program, 6th Grade Outdoor School, SUN School and AVID give our students many different opportunities.

Oregon average

32%

6%

Decrease from previous year

Students meeting state grade-level expectations.

SCIENCE

School Goals

51%

1%

80%

Oregon average

No change from previous year

Students meeting state grade-level expectations.

Increase from previous year

MATHEMATICS

Students meeting state grade-level expectations.

25

Oregon average

78%

ENGLISH LANGUAGE ARTS

Academic Success

30

4%

Decrease from previous year

Students who attended more than 90% of their enrolled school days.

Median class size.

No change from previous year

INDIVIDUAL STUDENT PROGRESS

REGULAR ATTENDERS

CLASS SIZE

Year-to-year progress in English language arts and mathematics.

Academic Progress

2017-18

School Environment

PRINCIPAL: Rolland Hayden | GRADES: 6-8 | 3625 SE Powell Valley Rd, Gresham 97080 | 503-667-6900

OREGON AT-A-GLANCE SCHOOL PROFILE Gordon Russell Middle School

New principal in the last 3 years

No

Coming in 2018-19

Teacher Experience

Average teacher turnover rate

15%

Counselors

3

Educational assistants

9

Teachers

34

School Website: russell.gresham.k12.or.us/

Our Staff REGULAR ATTENDERS

75%

OST Out of school time, provides enrichment and cocurricular offerings

We strive for our school to be free from discrimination, safe and healthy. Each student is entitled to come to school in an environment in which learning is valued and disruptions are minimized. Our discipline philosophy is designed to produce behavioral changes that will enable students to develop the self discipline necessary to remain in school and to function successfully in their educational and social environments.

Lessons in regard to prevention of, and appropriate response to, acts of harassment or bullying are taught within our school and all entities are encouraged to report any bullying and harassment to school officials.

Career Explorations: Learning about high wage, high demand careers

Computer Coding

Video Production

Journalism/yearbook program

Student offerings Art, Band, Yearbook, Spanish and Choir

School district sponsored Track and Field, Basketball

Soccer, wrestling, football and baseball partnerships

Marching and Jazz band

SUN School with a variety of before and after- school programing

EXTRACURRICULAR ACTIVITIES

78%

Male

86%

84%

BULLYING, HARASSMENT, AND SAFETY POLICIES

About Our School

78%

Female

Talented and Gifted

73%

Migrant

82%

71%

77%

73%

79%

74%

Students with Disabilities

Ever English Learner

Free/Reduced Price Lunch

White

Native Hawaiian/Pacific Islander Not enough students

Multiracial

Hispanic/Latino

Black/African American

Asian

American Indian/Alaska Native Not enough students

Outcomes

40% 55%

29%

43%

58%

>95%

19% 40%

35%

23%

28%

37%

85%

- Infinity Images Annual food drive for our families.

Health and Wellness fair open to students. local businesses and the community Community Care Day in August community, school staff and students come together to beautify the school and grounds.

Kindness Challenge - promotes acts of kindness within our school community.

Many local partners and volunteers work hard to make this event a success.

- Police and Fire Department

We partner with local business to provide students with learning opportunities as well as the following community organizations: - East Hill Community Church

COMMUNITY ENGAGEMENT

<5%

9%

17%

41%

Not enough students

<5%

Not enough students

MATHEMATICS

2017-18

For more information please visit: www.oregon.gov/ode

Two-way communication and active engagement is key. We have activities throughout the year where families are invited to join us in learning together.

Parent volunteers are welcome and valued. Please visit our school website for more specific information about our various activities. We have community liaisons that support Spanish and Russian families. In addition, we access telephonic language interpretation and schedule outside interpreters as needed to support families from all other language backgrounds.

PARENT ENGAGEMENT

15%

40% 34%

59%

Not enough students

23%

35%

Not enough students

ENGLISH LANGUAGE ARTS

PRINCIPAL: Rolland Hayden | GRADES: 6-8 | 3625 SE Powell Valley Rd, Gresham 97080 | 503-667-6900

OREGON AT-A-GLANCE SCHOOL PROFILE CONTINUED Gordon Russell Middle School

1%

3%

0%

4%

Teachers

0%

21

*Not enough students

Free/ Reduced Price Lunch

School Website: sbhs.gresham.k12.or.us/

Students with Disabilities

10% 97% 34%

Ever English Learners

Languages Spoken

92%

Teachers

16%

70%

Students

Required Vaccinations

0%

Teachers

White

1%

Students

Native Hawaiian/Pacific Islander

5%

Students

Teachers

Multiracial

19%

Students

Hispanic/Latino

2%

Students

Teachers

Black/African American

2%

Students

Teachers

Asian

1%

Students

Teachers

American Indian/Alaska Native

DEMOGRAPHICS

Student Enrollment

1,582

Students We Serve

80%

83% State Goals

The Oregon Department of Education is working in partnership with school districts and local communities to ensure a 90% on-time, four year graduation rate by 2025.

To progress toward this goal, the state will prioritize efforts to improve attendance, invest in implementing culturally responsive practices, and promote continuous improvement to close opportunity and achievement gaps for historically and currently underserved students.

We strive for excellence at Sam Barlow High School and set aggressive goals as a school. We work hard to provide a well rounded comprehensive high school experience that addresses the needs of all students. To measure our success, we are working to reach a graduation rate to 90%, increase the number of freshmen that are on-track to graduate to 90% and a school attendance rate of 90%.

Oregon average

School Goals

Oregon average

77%

4%

8%

85%

Decrease from previous year

Students earning a high school diploma or GED within five years.

Increase from previous year

FIVE-YEAR COMPLETION

88%

2%

Oregon average

Students earning a diploma within four years.

25

Oregon average

72%

ON-TIME GRADUATION

Academic Success

30

1

Decrease from previous year

Students who attended more than 90% of their enrolled school days.

Median size of classes in core subjects.

Decrease from previous year

ON-TRACK TO GRADUATE

REGULAR ATTENDERS

CLASS SIZE

85%

Oregon average

For more information please visit: www.oregon.gov/ode

We celebrate the diversity of our families, our staff, the rich language, and the cultural assets each person brings to our District. We honor and uphold the right to freedom of speech and expect individuals to exercise that right responsibly. The District will be steadfast in providing a safe and welcoming environment for ALL.

Safe & Welcoming Environment

Coming in 2018-19

Students enrolling in a two or four year college within one year of completing high school.

COLLEGE GOING

83%

1%

Decrease from previous year

Students earning one-quarter of graduation credits in their 9th grade year.

Academic Progress

2017-18

School Environment

PRINCIPAL: Bruce Schmidt Jr | GRADES: 9-12 | 5105 SE 302nd Ave, Gresham 97080 | 503-258-4850

OREGON AT-A-GLANCE SCHOOL PROFILE Sam Barlow High School

New principal in the last 3 years

No

Coming in 2018-19

Teacher Experience

Average teacher turnover rate

7%

Counselors

4

Educational assistants

16

Teachers

62

School Website: sbhs.gresham.k12.or.us/

Our Staff

Accounting/Financial

Construction Technology

Marketing

Manufacturing Technology

Engineering Technology

Early Childhood Education

Hospitality and Tourism/Culinary

Our students have the opportunity of enrolling in a variety of CTE courses where students can get hands on experiences in high wage, high demand fields, and earn college credits. Sam Barlow has seven programs of study in our CTE department:

Our school offers 10 AP courses to include: Biology, Chemistry, Language and Composition, Literature, US History, European History, Human Geography, Macroeconomics, and Calculus A/B and B/C. We also offer 36 dual-enrollment courses through Mount Hood Community College.

During the 2017-18 school year, students earned a total of 5,430 college credits.

CAREER & TECHNICAL EDUCATION

92%

91%

ADVANCED COURSEWORK

About Our School

72%

Male

75% 71%

58%

71%

61%

73%

Female

Talented and Gifted

Migrant

Students with Disabilities

Ever English Learner

Free/Reduced Price Lunch

White

73%

67%

58%

47%

REGULAR ATTENDERS

Native Hawaiian/Pacific Islander Not enough students

Multiracial

Hispanic/Latino

Black/African American

Asian

American Indian/Alaska Native

Outcomes

87%

>95%

87%

>95%

66%

82%

80%

75%

85%

90%

94%

100%

85%

89%

100%

91%

93%

100%

Our school hosts a variety of events for attendance by families and the community.

We also partner with local businesses to create opportunities for students. Please see our school website for specific information about our various activities.

Two-way communication and active engagement is key. We have community liaisons that support Spanish and Russian families. In addition, we access telephonic language interpretation and schedule outside interpreters as needed to support families from all other language backgrounds

PARENT & COMMUNITY ENGAGEMENT

ON-TIME GRADUATION

2017-18

For more information please visit: www.oregon.gov/ode

We offer 19 OSAA sanctioned athletic programs, 7 OSAA sanctioned activity programs, and 20 student clubs which are all designed to engage students, promote long term success, and provide all students the opportunity to represent their school community in a positive setting.

EXTRACURRICULAR ACTIVITIES

Not enough students

78%

73%

68%

76%

70%

60%

Not enough students

Not enough students

Not enough students

ON-TRACK TO GRADUATE

PRINCIPAL: Bruce Schmidt Jr | GRADES: 9-12 | 5105 SE 302nd Ave, Gresham 97080 | 503-258-4850

OREGON AT-A-GLANCE SCHOOL PROFILE CONTINUED Sam Barlow High School

COMMUNITY

CITY OF GRESHAM

105,594 POPULATION 2000 Census Data

MALE 49.02%

$43,442

FEMALE 50.98%

33.75

MEDIAN INCOME

MEDIAN AGE

2010 Census Data

2010 Census Data

Gresham is a city located in Multnomah County, immediately east of Portland. Though it began as a settlement in the mid-1800s, it was not officially incorporated as a city until 1905; it was named after Walter Quinton Gresham, the American Civil War general and United States Postmaster General.

SCHOOL DISTRICTS   

Centennial Gresham Barlow Reynolds

HOUSING

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

26.4% under age 18 10.2% between ages 18 to 24 28.1% between ages 25 to 44 24.5% between ages 45 to 64 10.7% above age 65

2010 Census Data  

52.36% of homes owner occupied 47.64% of homes rented

POPULATION DENSITY 2010 Census Data  

4,551.5 inhabitants per sq. mile 41,015 housing units at an average density of 1,767.9 per sq. mile

CITY QUICK FACTS      

4th largest city in Oregon 23.43 square miles 12 miles from downtown Portland 325 feet elevation Highest Average Temperature 82º Lowest Average Temperature 34º

The city's early economy was sustained largely by farming, and by the mid-20th century the city experienced a population boom, growing from 4,000 residents to over 10,000 between 1960 and 1970. The population was 105,594 at the 2010 census, making Gresham the fourth largest city in Oregon.

METRO AREA BASE MAP

Your Local Market Report

Gresham, OR 97080

Report for the week of 2018-10-30 Current Real Estate Market Conditions for Single-Family Homes Trends in Pricing Current Levels of Supply and Demand Value Metrics

Presented by WFG National Title Company reports@wfgnationaltitle.com

Single-Family Homes

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

Gresham, OR 97080 Real-Time Market Profile

This week the median list price for Gresham, OR 97080 is $439,900 with the market action index hovering around 35. This is less than last month's market action index of 38. Inventory has held steady at or around 157.

Market Action Index The Market Action Index answers the question "How's the Market?" by measuring the current rate of sale versus the amount of the inventory. Index above 30 implies Seller's Market conditions. Below 30, conditions favor the buyer.

 Today  Last Month

0

35

100

Slight Seller's Advantage The market has been cooling over time and prices plateaued for a while. Despite the consistent decrease in MAI, we’re in the Seller’s zone. Watch for changes in MAI. If the MAI resumes its climb, prices will likely follow suit. If the MAI drops consistently or falls into the Buyer’s zone, watch for downward pressure on prices.

Median List Price

$439,900

Per Square Foot

$193

Days on Market

97

Price Decreased

46%

Price Increased

5%

Relisted

18%

Inventory

157

Median House Rent

$1,900

Most Expensive

$1,399,000

Least Expensive

$93,600

Market Action Index Slight Seller's Advantage

35

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

$667,934

3,469

0.5 - 1 acre

4

3

13

0

2

142

$485,000

2,577

4,500 - 6,500 sqft

4

2

0

2

2

110

$400,000

2,166

6,500 - 8,000 sqft

4

2

22

2

2

79

$340,997

1,633

6,500 - 8,000 sqft

3

2

25

4

7

57

Tue Oct 30 2018 Powered by Altos Research, Inc. | www.altos.re | Copyright © 2018 Altos Research, Inc.

2 of 6

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

Single-Family Homes

Gresham, OR 97080

Median List Price

We continue to see prices in this zip code bounce around this plateau. Look for a persistent down-shift in the Market Action Index before we see prices deviate from these levels. $500K $475K $450K $425K $400K $375K $350K $325K Nov 2015

Mar 2016

Jul 2016

Nov 2016

Mar 2017

Avg 7-Day

Jul 2017

Nov 2017

Mar 2018

Jul 2018

Oct 2018

Avg 90-Day

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. $800K

$700K

$600K

$500K

$400K

$300K

$200K Nov 2015

Mar 2016

Jul 2016

First/Top 90-Day

Nov 2016

Mar 2017

Second/Upper 90-Day

Jul 2017

Nov 2017

Third/Lower 90-Day

Mar 2018

Jul 2018

Oct 2018

Fourth/Bottom 90-Day

Tue Oct 30 2018 Powered by Altos Research, Inc. | www.altos.re | Copyright © 2018 Altos Research, Inc.

3 of 6

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

Single-Family Homes

Gresham, OR 97080

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. $220 $210 $200 $190 $180 $170 $160 $150 $140 Nov 2015

Mar 2016

Jul 2016

Nov 2016

Mar 2017

Avg 7-Day

Jul 2017

Nov 2017

Mar 2018

Jul 2018

Oct 2018

Avg 90-Day

Inventory

Inventory has been climbing lately. Note that rising inventory alone does not signal a weakening market. Look to the Market Action Index and Days on Market trends to gauge whether buyer interest is keeping up with available supply.

175

150

125

100

75

50

25 Nov 2015

Mar 2016

Jul 2016

Nov 2016

Mar 2017

Avg 7-Day

Jul 2017

Nov 2017

Mar 2018

Jul 2018

Oct 2018

Avg 90-Day

Tue Oct 30 2018 Powered by Altos Research, Inc. | www.altos.re | Copyright © 2018 Altos Research, Inc.

4 of 6

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

Single-Family Homes

Gresham, OR 97080

Market Action Index

The market has been cooling over time and prices plateaued for a while. Despite the consistent decrease in MAI, we’re in the Seller’s zone. Watch for changes in MAI. If the MAI resumes its climb, prices will likely follow suit. If the MAI drops consistently or falls into the Buyer’s zone, watch for downward pressure on prices.

100

80

60

40

20

0 Nov 2015

Mar 2016

Jul 2016

Nov 2016

Mar 2017

Avg 7-Day

Jul 2017

Nov 2017

Mar 2018

Jul 2018

Oct 2018

Avg 90-Day

Market Action Segments

Three of the four quartiles of this zip code are in the Seller’s Market zone with relatively low amounts of inventory given the current levels of demand. It’s not uncommon that the premium segment of the market takes longer to sell than the rest of the group.

120

100

80

60

40

20

0 Nov 2015

Mar 2016

Jul 2016

First/Top 90-Day

Nov 2016

Mar 2017

Second/Upper 90-Day

Jul 2017

Nov 2017

Third/Lower 90-Day

Mar 2018

Jul 2018

Oct 2018

Fourth/Bottom 90-Day

Tue Oct 30 2018 Powered by Altos Research, Inc. | www.altos.re | Copyright © 2018 Altos Research, Inc.

5 of 6

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

Single-Family Homes

Gresham, OR 97080

Average Days on Market (DOM)

The properties have been on the market for an average of 80 days. Half of the listings have come newly on the market in the past 48 or so days. Watch the 90-day DOM trend for signals of a changing market.

175

150

125

100

75

50

25 Nov 2015

Mar 2016

Jul 2016

Nov 2016

Mar 2017

Avg 7-Day

Jul 2017

Nov 2017

Mar 2018

Jul 2018

Oct 2018

Avg 90-Day

Segments

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

300

250

200

150

100

50

0 Nov 2015

Mar 2016

Jul 2016

First/Top 90-Day

Nov 2016

Mar 2017

Second/Upper 90-Day

Jul 2017

Nov 2017

Third/Lower 90-Day

Mar 2018

Jul 2018

Oct 2018

Fourth/Bottom 90-Day

Tue Oct 30 2018 Powered by Altos Research, Inc. | www.altos.re | Copyright © 2018 Altos Research, Inc.

6 of 6

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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

GRESHAM UTILITIES Emergency/Police/Medical/Fire 911 Poison Control (800) 222-1222 www.aapcc.org United States Postal Service (800) 275-8777 www.usps.com Xfinity (800) 266-2278 www.xfinity.com Frontier Communications (800) 921-8101 www.frontier.com Verizon (800) 483-4100 www.verizon.com AT&T (800) 288-2020 www.att.com Dish Network (800) 318-0572 www.dish.com DIRECT TV (800) 531-5000 www.directtv.com

The Oregonian (503) 221-8240 www.oregonlive.com TRI-MET (503) 238-7433 www.trimet.org Northwest Natural Gas (800) 422-4012 www.nwnatural.com Portland General Electric (503) 228-6322 www.portlandgeneral.com City of Gresham Sewer Provider (503) 618-2373 www.greshamoregon.gov/utilities City of Gresham Water Provider (503) 618-2373 www.greshamoregon.gov/utilities Gresham Sanitary (503) 665-2424 www.greshamsanitary.com Gresham/Barlow School District (503) 661-7200 www.reynolds.k12.or.us

CHANGE OF ADDRESS USPS Below is the website if you would like to change your address online or you can visit your local post office, they will provide you with the change of address packet.

https://moversguide.usps.com Benefits you will receive when you change your address online are:  Exclusive mover savings coupons  Safe and secure with identity verification by a simple $1.00 charge to your

credit or debt card

 Email confirmation at the end of registration of your change of address * Must have valid email address and credit card to register online.

DMV Below is the website if you would like to change your address online or you can fill out the paperwork provided and mail back to DMV at: Oregon Department of Transportation DMV Services 1905 Lana Avenue NE Salem, OR 97314-0100

www.oregondmv.com/online/index.htm General DMV Information Contact: (503) 299-9999

VOTER REGISTRATION Below is the website if you would like to change your address online or you can fill out the paperwork provided and mail it back to your County Elections Office listed below.

www.oregonvotes.org/votreg/vreg.htm County Elections Office Contacts Clackamas County 825 Portland Avenue Gladstone, OR 97027 (503) 655-8510 Multnomah County 1040 SE Morrison Street Portland, OR 97214 (503) 988-3720 Washington County 3700 SW Murray Blvd., Ste 101 Beaverton, OR 97005 (503) 846-5800

MOVING CHECKLIST UTILITIES  Electric  NW Natural Gas  Water District  Sewer District  Garbage Provider  Cable/Satellite  Fuel (Propane)  Phone Services  Internet FINANCIAL INSTITUTIONS  Banks and Credit Unions  Credit Card Companies (including department store credit cards)  Lenders (Mortgage, Home Equity, Auto, Student Loans)  Insurance Companies (Health, Renters, Auto, Home, Medical, Dental, Disability, Life)  Retirement (Pension plans, 401K, Social Security, Veterans Affairs)  Investments (Investment Agencies and Brokers)  Online Bill Payer  Paypal GOVERNMENT OFFICES  US Post Office  Department of Motor Vehicles (Obtain your driver’s license and change vehicle registration)  IRS  Passport Office  Veteran Affairs  Unemployment Office (If you are currently receiving unemployment benefits)

HEALTH  Physician  Pharmacies SERVICE PROVIDERS  Childcare  Housecleaning Services  Delivery Services  Lawn Care Services  Veterinarian  Pool Service MEMBERSHIPS  Health Clubs  Membership Clubs (AAA or similar)  Community Groups (PTA, Neighborhood Associations, Civic Clubs)  Children’s Extracurricular Activities (Dance Classes, Music Lesson, Sports Clubs) SUBSCRIPTIONS  Newspapers  Magazine (USPS will only forward 2 months)  Movie Subscriptions (Netflix, Blockbuster, etc)  Book or Music Clubs OTHER  Friends and Family  Employers (typically notify the Human Resources Department)

MOVING CHECKLIST 8 WEEKS BEFORE YOUR MOVE  Inventory Sheets: Create an inventory sheet of all your belongings which need to be moved  Research Moving Options: You’ll need to decide if yours is a do-it-yourself move or if you’ll be using a moving company.  Request Moving Quote: Solicit moving quotes from as many moving companies and movers as possible. There can be a large difference between rates and services within moving companies.  Discard Unnecessary Items: Moving is a great time for ridding yourself of unnecessary items. Have a yard sale or donate unnecessary items to charity.  Packing Material: Gather moving boxes and packing material for your move.  Contact Insurance Companies: You’ll need to contact your insurance agent to cancel/transfer your insurance policy.

4 WEEKS BEFORE YOUR MOVE  Start Packing: Begin packing all things destined for your new location.  Obtain Your Medical Records: Contact your doctor, physician, dentist and other medical specialists who may currently be retaining any of your family’s medical records. Obtain these records or make plans for them to be delivered to your new medical facilities if changing. Security is critical of personal records.  Note Food Inventory Levels: Check your cupboards, refrigerator and freezer. Use up as much of your perishable food as possible.  Small Engines: Service small engines for your move by extracting gas and oil from the machines.

This will reduce that chance to catch fire during your move.  Protect Jewelry and Valuables: Transfer your jewelry and valuables to a safety deposit box; you don’t want them to be lost or stolen during your move.  Borrowed and Rented Items: Return items which you may have borrowed or rented. Collect items borrowed to others.

1 WEEK BEFORE YOUR MOVE  Your Change of Address: Change your address with the USPS, DMV, Financial Institutions, Utilities, Government Offices, Health Care Service Providers, Memberships, Subscriptions and Insurance Provisions.  Bank Accounts: Transfer or close bank accounts if changing banks. Make sure to have a money order for paying the moving company.  Service Automobiles: If automobiles are to be driven long distance, you’ll want to have them serviced so you have a trouble-free drive.  Cancel Services: Notify any remaining service providers (newspapers, lawn services, etc.) of your move.  Travel Items: Set aside all items you’ll need while traveling. Make sure these are not packed on the moving truck..  Contact Utility Companies: Set utility turnoff date, seek refunds and deposits and notify them of your new address.

MOVING DAY  Plan Your Itinerary: Make plans to spend the entire day at the house or at least until the movers are on their way. Someone will need to be around to make decisions. Make plans for kids and pets to be at a sitters for the day.  Review the House: Once the house is empty, check the entire house (closets, attic, basement, etc.) to ensure no items are left or no home issues exist.  Double Check With Your Mover: Ensure the mover has the new property address and all of your most recent contact information, should they have any questions during your move.  Vacate Your Home: Make sure utilities are off, doors and windows are locked and notify your real estate agent you’ve vacated the property.  Questions To Ask: Where is the garage door opener? Where are the keys to the house, mailbox and other lockable area? Did you retrieve all keys from neighbors and friends?

MOVING RESOURCES THE HOME DEPOT (800) 466-3337 www.homedepot.com Beaverton (503) 469-4242 4401 SW 110th Ave. Beaverton, OR 97005 S. Beaverton (503) 646-1525 13700 NW Science Pk. Dr. Portland 97229 Clackamas (503) 774-6372 9300 SE 82nd Ave. Happy Valley, OR 97086 Hillsboro (503) 693-9090 1950 SE Minter Bridge Rd. Hillsboro 97123 Jantzen Beach (503) 289-9200 1728 N Tomahawk Island Dr. Portland 97217 Oregon City (503) 723-3181 2002 Washington St. Oregon City, OR 97045 E. Portland (503) 261-8543 10120 SE Washington St. Portland 97216 NE Portland (503) 252-0188 11633 NE Glen Widing Dr. Portland 97220 Sherwood (503) 925-8447 20260 SW Pacific Hwy. Sherwood, OR 97140 Tigard (503) 639-3500 14800 SW Sequoia Parkway Tigard 97224

THE HOME DEPOT CONTINUED...

MOVING TRUCK RENTALS

Troutdale (503) 674-3944 25101 SE Stark St. Troutdale, OR 97060

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

LOWES (800) 466-3337 www.lowes.com Hillsboro (503) 844-6200 1951 SE 24th Ave. Hillsboro, OR 97123 Milwaukie (503) 794-2500 13631 SE Johnson Rd. Milwaukie 97222 Portland (503) 737-3000 1160 N Hayden Meadows Dr. Portland 97217 Tigard (503) 624-2644 12615 SW 72nd Ave. Tigard, OR 97223 Wood Village (503) 667-1005 1000 NE Wood Village Blvd.

Wood Village, OR 97060 DONATION FACILITIES Goodwill (800) 741-0186 locator.goodwill.org The Salvation Army (800) 958-7825 www.salvationarmyusa.org Value Village (800) 958-7825 www.valuevillage.com

Penske (888) 996-5415 www.pensketruckrental.com Ryder (800) 297-9337 www.ryder.com U-Haul (800) 468-4285 www.uhaul.com STORAGE COMPANIES NW Self Storage www.nwselfstorage Public Storage (800) 906-0879 www.publicstorage.com Pods (888) 309-8967 www.pods.com TRANSFER STATIONS Garbage/Recycling Metro Center (503) 234-3000 www.oregonmetro.gov 6161 NW 61st Ave. Portland, OR 97210 Metro South (503) 234-3000 www.oregonmetro.gov 2001 Washington St. Oregon City, OR 97045

RESOURCE GUIDE AIRPORT

CITY CONTACT CONTINUED...

CITY CONTACT CONTINUED...

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

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

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

AUTO & DRIVER REGISTRATION

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

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

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

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

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

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

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

River Grove (503) 639-6919

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

Gaston (503) 985-3340

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

RESOURCE GUIDE COUNTY CONTACTS

HOSPITALS CONTINUED...

NATURAL GAS

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

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

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

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

NEWSPAPERS

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

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

HOSPITALS

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

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

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

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

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

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

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

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

RESOURCE GUIDE RECREATION CONTINUED...

SHOPPING CONTINUED...

VOTER REGISTRATION

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

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

Clackamas (503) 655-8510

Regal Cinemas (800) FANDANGO www.regalcinemas.com

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

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

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

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

TELEPHONE SERVICE

SHOPPING

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

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

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

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

TRANSFER STATIONS

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

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

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

TITLE & ESCROW

CYBER SECURITY Because of 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

What’s involved in a title search?

Title is a bundle of rights in real property.

Protecting purchasers and lenders against loss is accomplished by the issuance of a title insurance policy. Usually, during a purchase transaction the lender requests a policy (commonly referred to as the Lender’s Policy) while the buyers receive their own policy (commonly referred to as an Owner's Policy).

A title search is actually made up of three separate searches:

In short, the policy states that if the status of the title to a parcel of real property is other than as represented, and if the insured (either the owner or lender) suffers a loss as a result of a title defect, the insurer will reimburse the insured for that loss and any related legal expenses, up to the face amount of the policy, subject to exceptions and exclusions contained in the policy.

Typically there are two policies issued. The Mortgagee’s Policy insures the lender for the amount of the loan. The Owner’s Policy insures the purchaser for the purchase price.

How is title insurance different from other types of insurance?

While the function of most other forms of insurance is risk assumption through the pooling of risks for losses arising out of unforeseen future events (such as sickness or accidents), the primary purpose of title insurance is to eliminate risks and prevent losses caused by defects in title arising out of events that have happened in the past. To achieve this goal, title insurers perform an extensive search and examination of the public records to determine whether there are any adverse claims (title defects) attached to the subject property. Said defects/claims are either eliminated prior to the issuance of a title policy or their existence is excepted from coverage.

Your policy is issued after the closing of your new home, for a one-time nominal fee, and is good for as long as you own the property.

• Chain of Title – History of the ownership of the subject property • Tax Search – The tax search reveals the status of the taxes and assessments • Judgment and Name Search – Searches for judgment and liens against the owners’ and purchasers’ names Once the three searches have been completed, the file is reviewed by an examiner who determines: • Whether or not the Chain of Title shows that the party selling the property has the right to do so.

• The status of taxes for the subject property.

The Tax Search will also indicate the existence of any special assessments against the land and whether or not these assessments are current or past due.

• Whether there are any unsatisfied judgments on the Judgment and Name Search against the previous owners, sellers, or and purchasers.

Rights established by judgment decrees, unpaid federal income taxes and mechanic liens all may be prior claims on the property, ahead of the buyer’s or lender’s rights. The title search will only uncover defects in title that are of public record, thus allowing the title company to work with the seller to clear up these issues and provide the new buyer with title insurance.

In Summary After the searches have been examined, the title company will issue a commitment, stating the conditions under which it will insure title.

The buyer, seller and the mortgage lender will proceed with the closing of the transaction after clearing up any defects in the title that have been uncovered by the search and examination.

WHO PAYS FOR WHAT IN OREGON Buyer’s Customary Escrow Fee Responsibilities

Seller’s Customary Escrow Fee Responsibilities

Typical Costs

Typical Costs

The following costs generally affect all transactions:  Escrow Fee - one-half of the fee, based on title company’s fee schedule  Recording Fees - based on county fee schedule  Fire Insurance Premium - mandatory when any lender is involved, including the seller’s lender  Tax Prorate - to apportion taxes between parties as of date of closing  General Costs - as listed for each specific transaction, as requested by the principals

The following costs generally affect all transactions:  Escrow Fee - one-half of the fee, based on title company’s fee schedule  Recording Fees - based on county fee schedule  Title Premium - based on fixed statewide fee schedule  Real Estate Commission - based on agreement with Broker  Tax Prorate - to apportion taxes between parties as of date of closing  General Costs - as listed for each specific transaction, as requested by principals  Release fees for loan payoff(s)

Land Sale Contract Transaction   

Attorney Fee - optional, and is sometimes shared with seller Collection Escrow Setup Fee - optional, and is sometimes shared with seller Recording Fee - for contract or memorandum thereof

Assignment of contract for assumption of loan transaction   

Assumption or Assignment Next monthly payment due, if required by lender Recording Fee - for Assumption/Assignment of Agreement, if required by lender

Conventional, FHA, VA loan transactions        

Lenders title insurance policy & endorsements, as required by lender Loan Fee - as required by lender Credit Report Fee - as required by lender Appraisal Fee - as required by lender Mortgage Insurance Premium - based on fee schedule and endorsements of lender Prepaid Interest - if required by lender VA Loans only - funding fee, if required by lender FHA, VA, and some Conventional Loans reserves for real property taxes, fire insurance and mortgage insurance

Land Sale Contract Transaction  

Attorney Fee - optional, and is sometimes shared with purchaser Collection Escrow Setup Fee - optional, and is often shared with purchaser

Assignment of contract for assumption of loan transaction  

Any delinquent payments to bring contract or loan current Prorate share of current month’s interest based on current rate

Conventional, FHA, VA loan transactions  

Any closing cost (not expenses of property or loan interest) negotiated on behalf of the purchaser, subject to lender’s approval FHA, VA Loans - check with lender for any applicable seller costs

DISCLAIMER: This information is provided for informational purposes only and no warranties are made.

TITLE VESTING AS AN INDIVIDUAL - An individual may hold title in his or her name only, regardless of whether or not married – e.g. “Jane Smith, an individual”. That individual then owns all rights to the property, which can be sold or transferred to others via will or trust. While a divorce is pending, however, if the property was acquired during the marriage it will likely be treated as part of the marital estate and thus be subject to court authority.

AS TENANTS BY THE ENTIRETY - A conveyance to a husband and wife creates a tenancy by the entirety – e.g. “John Smith and Jane Smith, husband and wife, as tenants by the entirety”. This creates a survivorship estate, which means that if one spouse dies, his/her interest will automatically go to the surviving spouse. A husband and wife may also take title as tenants in common (discussed below) if the intention to hold title in that manner is expressly stated.

AS TENANTS IN COMMON – Unless a conveyance expressly provides that the parties intend to create a survivorship estate (discussed below), a conveyance to two or more persons who are not married creates a tenancy in common in which each has (unless otherwise stated) an equal undivided interest in the property – e.g. “John Smith and Robert Jones, as tenants in common, each as to an undivided 50% interest”. Each tenant in common then owns an undivided interest in the entire property, which can be sold or transferred to others via will or trust.

AS A SURVIVORSHIP ESTATE - Two or more persons who are not married may also hold title as tenants in common with a right of survivorship, as long as the survivorship declaration is expressly contained in the deed – e.g. “John Smith and Robert Jones, not as tenants in common, but with the right of survivorship”. This creates a survivorship estate, which means that if one party dies, his/her interest will automatically go to the survivor and cannot be sold during the lifetime of or transferred via will or trust by the party who dies first.

AS REGISTERED DOMESTIC PARTNERS - Registered domestic partners may take title as (i) tenants in common– e.g. “Jane Smith and Mary Jones, registered domestic partners, as tenants in common, each as to an undivided 50% interest”, or (ii) in a survivorship estate similar to that of a tenancy by the entirety – e.g. “Jane Smith and Mary Jones, as registered domestic partners with right of survivorship”.

AS A SAME SEX MARRIED COUPLE - Same sex married couples may take title as (i) tenants in common – e.g. “John Smith and Robert Smith, a married couple, as tenants in common, each as to an undivided 50% interest”, or (ii) in a survivorship estate similar to that of a tenancy by the entirety – e.g. John Smith and Robert Smith, a married couple with right of survivorship, or (iii) as tenants by the entirety – e.g. “John Smith and Robert Smith, a married couple, as tenants by the entirety”.

AS AN ENTITY - A registered entity, such as a corporation, limited liability company or partnership, may hold title. Title should be held exactly as the name is registered with the Oregon Secretary of State – e.g. “Smith & Jones, LLC, an Oregon limited liability company”.

DISCLAIMER – The foregoing contains informational examples only and is not to be construed as legal advice. Given the complexities involved in acquiring and holding legal title to real property, WFG strongly recommends that you seek legal advice from an attorney prior to doing so.

WFG OFFICE LOCATIONS

1

2

3

ADMINISTRATIVE

4

LLOYD

7

DOWNTOWN VANCOUVER

CLACKAMAS

5

NW PDX/ COMMERCIAL

8

SALMON CREEK

LAKE OSWEGO

6

SUNSET

9

VANCOUVER MALL

12909 SW 68th Pkwy. Ste. 350 Portland, OR 97223 503-431-8500 9200 SE Sunnybrook Blvd. Ste. 350 Clackamas, OR 97015 503-353-9975 5885 Meadows Rd. Ste. 150 Lake Oswego, OR 97035 503-624-4900

1625 NE Weidler Street Portland, OR 97232 503-230-8488 25 NW 23rd Pl. Ste. 1 Portland, OR 97210 503-219-9088

2430 NW 206th Ave. Ste. 125 Beaverton, OR 97006 503-533-9510

101 E 6th St. Ste. 125 Vancouver, WA 98660 360-314-0300

2105 NE 129th St. Ste. 107 Vancouver, WA 98686 360-314-1818 5101 NE 82nd Ave. Ste. 102 Vancouver, WA 98662 360-891-5454

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 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.

Public Record

Public Record

Public Record

Public Record