Home Book 3706 Wetmore Ave, Everett WA 98201

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© 2021 Stewart. All rights reserved. | 736538394

Real Estate Reports Subject Property: 3706 Wetmore Ave, Everett, WA 98201

Prepared For: The Arway Residence

Compliments of:

Heidi Davalos COMPASS 700 110th Ave NE, Suite 270 Bellevue, WA 98004 Phone: 425.870.3334 Email: heidid@pacesetterpropertiesteam.com

Reilly Ochs COMPASS 700 110th Ave NE, Suite 270 Bellevue, WA 98004 Phone: 206.914.5254 Email: reilly@pacesetterpropertiesteam.com

PROPERTY INFORMATION

PROPERTY INFORMATION

3706 Wetmore Ave, Everett, WA 98201

CCRs & TITLE

CCRs & TITLE

PRELIMINARY TITLE COMMITMENT & CCRS

Title Order Number: 2246904

Everett Washington

Everett School District

Jackson Elementary School North Middle School Everett High School

Snohomish County Property Profile Parcel #: 00451402502900 Ref Parcel #: Owner: Arway, George Co-owner: Arway, Pachia Site: 3706 Wetmore Ave Everett WA 98201-4933 Mail: 3702 Wetmore Ave Everett WA 98201-4933 Land Use: 111 - Single Family Residence Zoning: Everett-UR3 Urban Residential 3 (Ur3) Census: 1021 041000 Map: 396-D5 Legal: FRIDAYS 1ST ADD TO EVERETT BLK 025 D-00 - BLK 25 LOTS 29 & 30 ASSESSMENT INFORMATION Market Year: 2023 Market Total: $453,300.00 Market Land: $281,600.00 Market Impr: $171,700.00 Exemption: Taxes: $3,722.36 Levy Code: 00010 Levy Rate: 8.2117 Assessed Total: $453,300.00 SALE & LOAN INFORMATION Sale Date: 11/04/2003 Sale Amount: Document #: 200311040822 Deed Type: Deed Loan Amount: Lender: Loan Type: Interest Type: Title Co: PACIFIC NW TITLE

PROPERTY CHARACTERISTICS Year Built: 1928 Bedrooms: 3 Bathrooms: 1 Total Area: 1,404 SqFt Basement Fin: Basement Unfin: Lot Size Ac: 0.15 Acres Lot Size SF: 6,534 SqFt Garage SF: 576 SqFt Garage Type: Attached Heat Source: 21 Hot water School Dist: Everett Primary School: Jackson Elementary School Middle School: North Middle School High School: Everett High School Fireplace: Bldg Condition: G Above normal for age Neighborhood: 5304000 Impr Type: 11 1 Sty Type I Recreation:

Sentry Dynamics, Inc. and its customers make no representations, warranties or conditions, express or implied, as to the accuracy or completeness of information contained in this report.

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ParcelID: 00451402502900 3706 Wetmore Ave, Everett WA 98201 This map/plat is being furnished as an aid in locating the herein 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.

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NEIGHBORHOOD REPORT Subject Parcel 3706 Wetmore Ave, Everett, WA 98201

Parcel ID: 00451402502900

Tax Acct:

Acreage:

0.15

Owner:

Arway, George Arway, Pachia

Bldg Sq Ft:

1,404

Mail Addr:

3702 Wetmore Ave Everett, WA 98201

Lot Sq Ft:

6,534

Beds:

3

Baths:

1

Sale Dt:

11/04/2003

Sale Price:

Year Built:

1928

Assessed Val:

$453,300

Zoning:

Everett-UR3 - Urban Residential 3 (Ur3)

Market Val:

$453,300

Legal:

FRIDAYS 1ST ADD TO EVERETT BLK 025 D-00 - BLK 25 LOTS 29 & 30

Statistics Subject Parcel

Average

Min

Median

Max

1932

1908

1914

1990

Assessed Val: $453,300

$567,233

$361,700

$521,300

$1,012,000

Market Val: $453,300

$567,233

$361,700

$521,300

$1,012,000

Loan Amt: $0

$354,549

$173,600

$400,000

$702,952

Lot Sq Ft.: 6,534

6,244

2,178

6,534

9,583

Bldg Sq Ft.: 1,404

2,104

770

1,914

4,048

Sale Price: $0

$239,833

$29,950

$220,000

$550,000

Price/Sq Ft.:

$138

$12

$126

$286

Year Built: 1928

Sale Price vs Market Value Chart 1.5M

1M

500K

0 00451402502900 00451402500102 00451402500500 00451402502200 00451402503100 00451402600300 0045140…

00451402500101 00451402500300 00451402500701 00451402502500 00451402600100 00451402600500 Sale Price

Market Value Amount

Sentry Dynamics, Inc. and its customers make no representations, warranties or conditions, express or implied, as to the accuracy or completeness of information contained in this report. 02/09/2024

NEIGHBORHOOD REPORT Neighborhood Map S 00451402502900

3706 Wetmore Ave 1 00451402500101

3701 Colby Ave 2 00451402500102

1610 37th St 3 00451402500300

3705 Colby Ave 4 00451402500500

3709 Colby Ave 5 00451402500701

3715 Colby Ave 6 00451402502200

3718 Wetmore Ave 7 00451402502500

3716 Wetmore Ave 8 00451402503100

3702 Wetmore Ave 9 00451402600100

1706 37th St 10 00451402600300

3711 Wetmore Ave 11 00451402600500

3715 Wetmore Ave 12 00451402600700

3717 Wetmore Ave

Sentry Dynamics, Inc. and its customers make no representations, warranties or conditions, express or implied, as to the accuracy or completeness of information contained in this report. 02/09/2024

NEIGHBORHOOD REPORT 1. 3701 Colby Ave, Everett, WA 98201

Parcel ID: 00451402500101

Tax Acct:

Acreage:

0.10

Owner:

Ck Capital LLC

Bldg Sq Ft:

2,592

Mail Addr:

3701 Colby Ave Everett, WA 98201

Lot Sq Ft:

4,356

Beds:

3

Baths:

3

Sale Dt:

10/07/2015

Sale Price:

$30,000

Year Built:

1910

Assessed Val:

$565,000

Zoning:

Everett-UR4 - Urban Residential 4 (Ur4)

Market Val:

$565,000

Legal:

FRIDAYS 1ST ADD TO EVERETT BLK 025 D-01 - BLK 25 W 88.81FT LOTS 1 & 2 LESS WLY 15FT FOR ST

2. 1610 37th St, Everett, WA 98201

Parcel ID: 00451402500102 Tax Acct:

Acreage:

0.05

Owner:

Montello, Allison Rose Montello, Alexander Wallac

Bldg Sq Ft:

1,860

Mail Addr:

1610 37th St Everett, WA 98201

Lot Sq Ft:

2,178

Beds:

3

Baths:

2

Sale Dt:

02/08/2023

Sale Price:

$500,000

Year Built:

1912

Assessed Val:

$507,900

Zoning:

Everett-UR4 - Urban Residential 4 (Ur4)

Market Val:

$507,900

Legal:

FRIDAYS 1ST ADD TO EVERETT BLK 025 D-02 - BLK 25 E 40FT LOTS 1 & 2

Sentry Dynamics, Inc. and its customers make no representations, warranties or conditions, express or implied, as to the accuracy or completeness of information contained in this report. 02/09/2024

NEIGHBORHOOD REPORT 3. 3705 Colby Ave, Everett, WA 98201

Parcel ID: 00451402500300

Tax Acct:

Acreage:

0.13

Owner:

Toyer, Richard H Toyer, Jean Ann

Bldg Sq Ft:

3,526

Mail Addr:

15128 76th St SE Snohomish, WA 98290

Lot Sq Ft:

5,663

Baths:

3

Beds: Sale Dt:

02/03/2014

Sale Price:

Year Built:

1914

Assessed Val:

$641,500

Zoning:

Everett-UR4 - Urban Residential 4 (Ur4)

Market Val:

$641,500

Legal:

FRIDAYS 1ST ADD TO EVERETT BLK 025 D-00 - BLK 25 LOTS 3 & 4 LESS WLY 15FT FOR ST

4. 3709 Colby Ave, Everett, WA 98201

Parcel ID: 00451402500500

Tax Acct:

Acreage:

0.13

Owner:

Truong, Tat V

Bldg Sq Ft:

2,704

Mail Addr:

3301 108th St SE Everett, WA 98208

Lot Sq Ft:

5,663

Beds:

4

Baths:

1

Sale Dt:

03/07/2017

Sale Price:

$205,000

Year Built:

1910

Assessed Val:

$421,900

Zoning:

Everett-UR4 - Urban Residential 4 (Ur4)

Market Val:

$421,900

Legal:

FRIDAYS 1ST ADD TO EVERETT BLK 025 D-00 - BLK 25 LOTS 5 & 6 LESS WLY 15FT FOR ST

Sentry Dynamics, Inc. and its customers make no representations, warranties or conditions, express or implied, as to the accuracy or completeness of information contained in this report. 02/09/2024

NEIGHBORHOOD REPORT 5. 3715 Colby Ave, Everett, WA 98201

Parcel ID: 00451402500701

Tax Acct:

Acreage:

0.13

Owner:

Bocalan, Mary Grace Bocalan, Ador C

Bldg Sq Ft:

980

Mail Addr:

3715 Colby Ave Everett, WA 98201

Lot Sq Ft:

5,663

Beds:

Baths:

Sale Dt:

05/13/2005

Sale Price:

$250,000

Year Built:

1990

Assessed Val:

$406,000

Zoning:

Everett-UR4 - Urban Residential 4 (Ur4)

Market Val:

$406,000

Legal:

FRIDAYS 1ST ADD TO EVERETT BLK 025 D-01 - LOTS 7 & 8 BLK 25 LESS W 15FT

6. 3718 Wetmore Ave, Everett, WA 98201

Parcel ID: 00451402502200

Tax Acct:

Acreage:

0.22

Owner:

Bolduan, Jonathan

Bldg Sq Ft:

1,680

Mail Addr:

PO Box 1562 Mukilteo, WA 98275

Lot Sq Ft:

9,583

Beds:

3

Baths:

2

Sale Dt:

12/03/1997

Sale Price:

$154,375

Year Built:

1988

Assessed Val:

$1,012,000

Zoning:

Everett-UR3 - Urban Residential 3 (Ur3)

Market Val:

$1,012,000

Legal:

FRIDAYS 1ST ADD TO EVERETT BLK 025 D-00 - BLK 25 LOTS 22-23 & 24 INCL

Sentry Dynamics, Inc. and its customers make no representations, warranties or conditions, express or implied, as to the accuracy or completeness of information contained in this report. 02/09/2024

NEIGHBORHOOD REPORT 7. 3716 Wetmore Ave, Everett, WA 98201

Parcel ID: 00451402502500

Tax Acct:

Acreage:

0.15

Owner:

Damagnez, Steven E Damagnez, Lucinda L

Bldg Sq Ft:

2,087

Mail Addr:

3716 Wetmore Ave Everett, WA 98201

Lot Sq Ft:

6,534

Beds:

6

Baths:

4

Sale Dt:

08/29/2001

Sale Price:

$217,000

Year Built:

1910

Assessed Val:

$580,000

Zoning:

Everett-UR3 - Urban Residential 3 (Ur3)

Market Val:

$580,000

Legal:

FRIDAYS 1ST ADD TO EVERETT BLK 025 D-00 - BLK 25 LOTS 25 & 26

8. 3702 Wetmore Ave, Everett, WA 98201

Parcel ID: 00451402503100

Tax Acct:

Acreage:

0.18

Owner:

Modabber, Samantha

Bldg Sq Ft:

1,704

Mail Addr:

917 Peggotty Pl Austin, TX 78753

Lot Sq Ft:

7,841

Beds:

4

Baths:

2

Sale Dt:

04/28/2023

Sale Price:

Year Built:

1908

Assessed Val:

$521,300

Zoning:

Everett-UR3 - Urban Residential 3 (Ur3)

Market Val:

$521,300

Legal:

FRIDAYS 1ST ADD TO EVERETT BLK 025 D-00 - BLK 25 LOT 31 & LGE LOT 32

Sentry Dynamics, Inc. and its customers make no representations, warranties or conditions, express or implied, as to the accuracy or completeness of information contained in this report. 02/09/2024

NEIGHBORHOOD REPORT 9. 1706 37th St, Everett, WA 98201

Parcel ID: 00451402600100 Tax Acct:

Acreage:

0.18

Owner:

Stokes, Matthew J

Bldg Sq Ft:

4,048

Mail Addr:

16329 Lake Hills Blvd Bellevue, WA 98008

Lot Sq Ft:

7,841

Baths:

4

Beds: Sale Dt:

07/31/2007

Sale Price:

$550,000

Year Built:

1977

Assessed Val:

$944,000

Zoning:

Everett-UR3 - Urban Residential 3 (Ur3)

Market Val:

$944,000

Legal:

FRIDAYS 1ST ADD TO EVERETT BLK 026 D-00 - BLK 26 LGE LOT 1 & ALL LOT 2

10. 3711 Wetmore Ave, Everett, WA 98201

Parcel ID: 00451402600300

Tax Acct:

Acreage:

0.15

Owner:

Smith, Jaicelle K Smith, Garret P

Bldg Sq Ft:

770

Mail Addr:

3711 Wetmore Ave Everett, WA 98201

Lot Sq Ft:

6,534

Beds:

2

Baths:

1

Sale Dt:

10/31/2019

Sale Price:

$220,000

Year Built:

1910

Assessed Val:

$391,900

Zoning:

Everett-UR3 - Urban Residential 3 (Ur3)

Market Val:

$391,900

Legal:

FRIDAYS 1ST ADD TO EVERETT BLK 026 D-00 - BLK 26 ALL LOTS 3 & 4

Sentry Dynamics, Inc. and its customers make no representations, warranties or conditions, express or implied, as to the accuracy or completeness of information contained in this report. 02/09/2024

NEIGHBORHOOD REPORT 11. 3715 Wetmore Ave, Everett, WA 98201

Parcel ID: 00451402600500

Tax Acct:

Acreage:

0.15

Owner:

Campbell, Lyle

Bldg Sq Ft:

1,380

Mail Addr:

3715 Wetmore Everett, WA 98201

Lot Sq Ft:

6,534

Beds:

3

Baths:

1

Sale Price:

$29,950

Sale Dt: Year Built:

1930

Assessed Val:

$361,700

Zoning:

Everett-UR3 - Urban Residential 3 (Ur3)

Market Val:

$361,700

Legal:

FRIDAYS 1ST ADD TO EVERETT BLK 026 D-00 - BLK 26 ALL LOTS 5 & 6

12. 3717 Wetmore Ave, Everett, WA 98201

Parcel ID: 00451402600700

Tax Acct:

Acreage:

0.15

Owner:

Martin, John T

Bldg Sq Ft:

1,914

Mail Addr:

3717 Wetmore Ave Everett, WA 98201

Lot Sq Ft:

6,534

Beds:

2

Baths:

2

Sale Dt:

10/09/2014

Sale Price:

$242,000

Year Built:

1930

Assessed Val:

$453,600

Zoning:

Everett-UR3 - Urban Residential 3 (Ur3)

Market Val:

$453,600

Legal:

FRIDAYS 1ST ADD TO EVERETT BLK 026 D-00 - BLK 26 ALL LOTS 7 & 8

Sentry Dynamics, Inc. and its customers make no representations, warranties or conditions, express or implied, as to the accuracy or completeness of information contained in this report. 02/09/2024

THE PROCESS HAS STARTED:

TITLE ORDER IS OPEN! FILE NUMBER:

2246904

TITLE COMPANY: Stewart Title Company 981 Powell Ave SW, Ste 100 Renton, WA 98057 TitleOfficers@stewart.com

ESCROW CONTACT: (Once contract is fully executed and sent to escrow.)

Escrow Closer - Phoenix McHenry 206.770.1305 direct / text Phoenix.McHenry@stewart.com TeamPhoenix@stewart.com stewart.com/en/markets/puget-sound/offices/renton.html

FOR THE PROPERTY OWNER:

TITLE INSURACE FAQ’S Q: What is title insurance?

A: An opinion of the condition of title to real property, backed by an Insurance policy.

Q: Why do I need title insurance?

A: When you buy a home, or a property for that matter, you expect to enjoy certain benefits from ownership. For example, you expect to be able to occupy and use the property as you wish, to be free from debts or obligations not created or agreed to by you, and to be able to freely sell or pledge your property as security for a loan. Title insurance is designed to cover these rights.

Q: What if I have a problem? Do I have to lose my property to make a claim?

A: Not at all. At the mere hint of a claim adverse to your title, you should contact your title insurer who issued you policy. Title insurance includes coverage for legal expenses which may be necessary to investigate, litigate or settle an adverse claim.

Q: What does this cost?

A: The cost varies, depending mainly on the value of your property. The important thing to remember is that you only pay once, and then the coverage continues in effect for so long as you have an interest in the covered property. If you should die, the coverage automatically continues for the benefit of your heirs. If you sell your property, giving warranties of title to your buyer, your coverage continues. Likewise, if a buyer gives you a mortgage to finance a purchase of covered property from you, your coverage continues to protect your security interest in the property.

Q: If my lender gets title insurance for its mortgage, why do I also need a policy?

A: The lender’s policy covers only the amount of its loan, which is usually not the full property value. In the event of an adverse claim, the lender ordinarily wouldn’t be concerned unless its loan became non-performing and the claim threatened the lender’s ability to foreclose and recover its principal and interest. And, in the event of a claim there is no provision for payment of legal expenses for an uninsured party.

The content in this flyer is intended for general information. It is not intended as legal advice and is subject to change without notice.

PRELIMINARY TITLE REPORTS:

UNDERSTANDING THE BASICS The Title Company begins the process of preparing a preliminary report once they have received an order for title services. Our search experts assemble various public records relating to both the property being purchased and the people involved in the transaction.

After examining the information gathered, an examiner prepares the preliminary report, which shows current ownership of that specific parcel of land any liens and encumbrances the title company will not cover under the subsequent title policy.

What is the point of the preliminary report?

The preliminary report gives the conditions for The Title Company to issue a particular type of policy.

It lists title defects, liens and encumbrances that would not be covered if the title policy were issued as of the date of the report. The preliminary report provides an opportunity to request that actions be taken to remove the objectionable items listed in the report.

If the objectionable items are not eliminated or released prior to the closing and transfer of title, they will be listed as exceptions on the final policy, meaning they will not be covered. For example, the seller could be required to pay a contractor who placed a lien on the property so that the lien would be removed.

Is a preliminary report just another name for the title policy?

No. The preliminary report provides the statement of the conditions needing to be addressed in order for a title policy to be issued. The preliminary report offers no representation of the condition of the property’s title. It does not create a contract of liability, which means it provides no protection to the recipient. An actual title policy must be issued in order to provide protection and prevent parties other than the policy recipient from claiming the benefit of owning the property. (continued on next page)

PRELIMINARY TITLE REPORTS:

UNDERSTANDING THE BASICS What key points should one look for in a preliminary report?

You will want to pay particular attention to: the extent of ownership rights, including any possible ownership interest on the part of parties other than the seller items listed as being excluded from coverage, including liens, restrictions and interest of others (listed numerically as exceptions) interest of third parties. For example, easements limiting use of the property granted by a prior owner.

A list of standard exceptions and exclusions of items not covered by your title policy may be attached to your report; if so, you should review this as well.

Who can best explain a preliminary report?

Your title agent, your real estate agent or, should you have one, your attorney can help explain the specifics of your preliminary report. Don’t hesitate to ask any one of them to discuss the report with you.

Does the preliminary report contain the complete condition of the property’s title?

It does not. The preliminary report is merely an offer to insure upon the terms and conditions stated therein. It details matters that the title company would exclude from coverage were they to issue a policy at a later date.

CLOSING PROCESS

CLOSING PROCESS

7 Steps to a Smooth Closing For Buyers

1. Homeowner’s insurance Prior to closing, please provide us with your choice for homeowners insurance and your insurance agent’s name and phone number.

2. Certified funds Check to see if your state requires certified funds at closing. If so, your closing cost must be in the form of a cashier’s check, certified check or wired funds.

3. Wired funds If you wish to wire your closing cost from your account directly to Stewart Title’s escrow account, please inform us prior to the closing, so that we may assist you in making the arrangements.

4. Verify wiring instructions Before sending any money electronically, verify all wiring instructions with your agent by phone. Don’t rely on emails or other forms of communications.

Know that Stewart uses CertifID to protect against wire fraud.

5. Identification Don’t forget to bring your driver’s license or other U.S. issued form of official picture ID to closing.

Contact me to learn more about the benefits of closing with Stewart Title.

Stewart Title Company Client Success Team 6050 Tacoma Mall Blvd Suite 100 Tacoma, WA 98409 206.770.8726 main cs@stewart.com stewart.com/puget-sound

© 2021 Stewart. All rights reserved. | 727627634

6. Reviewing documents If you wish to examine your loan documents prior to closing, please request that the mortgage company provide them to the title company at least one day early.

7. Reimbursements All bills for inspections, repairs or other items to be paid at closing must be provided to us prior to closing.

Avoid common closing delays X

X

If you will not be present at closing to sign documents and intend to use a power of attorney, you must provide the original power of attorney to your closing officer prior to closing for approval and recording of the document.

(The lender will also need to approve the power of attorney.) On the day of closing, we will need to contact you and verify that you have not revoked the power of attorney.

If you are unable to attend the closing and will sign the papers by overnight mail, please provide Stewart Title with the forwarding address, including ZIP code. Also, please provide us with a contact number in case we need to reach you. You will need to sign the papers in front of a notary. Some states can arrange for a mobile notary. We will provide you with a return overnight mail packet. Please send the signed and notarized closing papers back to us the same day you receive them.

You Are in Escrow

So Now What?

1. Purchase Agreement is provided to escrow and reviewed by the escrow team.

2. Buyer’s deposit is received. Preliminary report/ title commitment is requested.

3. Preliminary report/title commitment is received, reviewed and distributed.

4. Escrow instructions and documents are prepared and distributed as per local practice.

5. Information and signatures from principal(s) are requested. This includes payoff of underlying loans and Statements of Information from sellers.

9. Escrow prepares estimated closing statements for buyer and seller review and approval, together with seller’s CD, if required.

10. Buyer’s signing appointment is scheduled, documents are prepped for signing. Escrow paperwork is added. Appointment with seller is made, if required.

11. Funds are requested and received from buyer and seller, if required. Upon receipt of buyer and seller funds as may be required, loan funds are requested from lender.

6. Demand(s) are requested and received.

12. Upon receipt of all funds required to close, recordable documents are forwarded to county recorder’s office with authorization to record.

7. Data entries are made for payoffs, commissions, etc.

13. Disbursements are made and closing packages are released.

8. If financing is involved, loan approval is received, and loan documents arrive from the lender.

Stewart Title Company Client Success Team 6050 Tacoma Mall Blvd Suite 100 Tacoma, WA 98409 206.770.8726 main cs@stewart.com stewart.com/puget-sound

© 2021 Stewart. All rights reserved. | 628865451

Home Buying Process So, you’ve decided to buy a home. Congratulations. However, making the decision to purchase is just the first of many steps. To help you better understand the homebuying process, we’ve listed everything that happens between the time you decide to buy a home and when it’s time to move in.

1

Prepare to shop

8

9

Execute the contract

Open an escrow account and send earnest money

2

Compile a list of needs and wants

3

Prequalify for loan and financing

4

Find a real estate broker

7

Negotiate, if necessary

6

Make the offer

5

Visit properties and rank them

10

Sign documents and complete the closing process

© 2023 Stewart. All rights reserved. | 218016 Trademarks are the property of their respective owners.

The information provided here is for general informational purposes only, should not be relied upon, and is subject to change without notice.

11

Welcome home

Whether it’s your first home or one of many, this is an exciting time, and you can always count on Stewart Title to be here to assist you with your real estate needs, no matter what stage you are in on your home ownership journey.

What happens:

Contract to closing There’s a lot that happens between the time a buyer finds a house and the day they own it. To help you better understand what happens after the Sold sign is posted, we’ve listed the seven basic steps of transferring a land title.

1

4

Earnest Money An escrow contract (an agreement to close) starts the process.

Nonpublic Record Check Taxes, assessments, liens, bills and other nonpublic information are reviewed.

2

5

Title Search Copies of documents (surveys, deeds, encroachments, restrictions, assessments, liens, wills, divorce settlements, etc.) are gathered from various public records.

Document Preparation Forms are prepared for settlement and transfer of title.

3

6

Please contact me for more information.

Stewart Title Company Client Success Team 6050 Tacoma Mall Blvd Suite 100 Tacoma, WA 98409 206.770.8726 main cs@stewart.com stewart.com/puget-sound

© 2020 Stewart. All rights reserved. | 522362951

The content in this flyer is intended for general information. It is not intended as legal advice and is subject to change without notice.

Examination Legal owner, debts owed and encumbrances on the land are verified.

Settlement or Closing Either an escrow officer or a closer will oversee the closing of the transaction.

Seller signs the deed; buyer signs note and new mortgage. Old loan is paid off; new loan is recorded. Seller, real estate agents, attorneys, title company and others are paid. Owner’s and lender’s policies are issued.

7

Recording of Legal Documents Documents are recorded with the county to show transfer of ownership.

SIX STEPS TO

ESCROW SUCCESS In Washington, the Stewart Title escrow staff is ready to consistently provide you and your customers with the best closing experience possible. For a speedy transaction, we recommend following the six steps below to ensure a successful escrow process.

Step One Recommend Stewart Title for your customers’ title insurance and escrow settlement. Ask for their escrow or title reference number to use for all future communications.

Step Two Read and understand the preliminary report. If there is an item you don’t understand, contact your escrow or title officer.

Step Three Inform your escrow officer if any changes occur. All changes should be noted in writing. Remember, escrow only acts on mutual instructions except with rare exceptions.

Step Four It’s important to understand the fiscal tax year, debits, credits, prepaid interest, impounds, due dates and delinquent dates in order to ensure that this information will be easily understood by your client. Familiarize yourself with normal buyer and seller closing costs.

To learn more about title insurance, the keys to a successful escrow process or why Stewart Title is the right title company for you, contact us today.

Stewart Title Company Client Success Team Manager, Customer Service & Order Entry 6050 Tacoma Mall Blvd Suite 100 Tacoma, WA 98409 206.770.8726 main cs@stewart.com stewart.com/puget-sound

Step Five Check each signature for accuracy. Review purchase agreement to ensure it is complete and includes buyers’, sellers’, and agents’ phone numbers and email addresses.

Make sure all of the required documents are signed and notarized when applicable.

Step Six Double-check all papers and documents before returning them to your escrow officer for verification.

All fees and processes are subject to local real estate practices. For specific information about your transaction, please consult your real estate agent, loan officer or escrow officer.

© 2018 Stewart. All rights reserved. | 277523920

COMMUNITY

COMMUNITY

Restaurants

Curries 7318 Evergreen Way #101, Everett, WA 98204

Iver's Seafood Bar 1520 41st St, Everett, WA 98201

Lanna Thai Restaurant 7825 Evergreen Way, Everett, WA 98203

Tampico Mexican Restaurant 2303 Broadway, Everett, WA 98201

The Sisters Restaurant 2804 Grand Ave, Everett, WA 98201

Capers & Olives 2933 Colby Ave, Everett, WA 98201

Buck's American Cafe 2901 Hewitt Ave, Everett, WA 98201

J and L BBQ 2915 Colby Ave, Everett, WA 98201

Restaurants

Kate's Greek and American Deli 2512 Colby Ave, Everett, WA 98201

Irishmen 2923 Colby Ave, Everett, WA 98201

Totem Family Dining 4410 Rucker Ave, Everett, WA 98203

Vintage Cafe 1510 Hewitt Ave, Everett, WA 98201

Olive Garden 1310 SE Everett Mall Way, Everett, WA 98208

El Paraiso Mexican Grill 2801 Colby Ave, Everett, WA 98201

J Ramen and Sushi 1011 Hewitt Ave, Everett, WA 98201

Kai Sushi Fusion Roll & Saki 2811 Colby Ave a, Everett, WA 98201

Parks & Trails Harborview Park 1621 Mukilteo Blvd, Everett This park boasts a spectacular northerly view of Possession Sound. The grassy lawn provides a great place for picnics. Size: 8 acres

Features: Picnic Tables Trails Viewpoint

https://www.everettwa.gov/facilities/facility/details/harborview-park-102

Parks & Trails Forest Park 802 E Mukilteo Blvd, Everett Discover Everett’s sprawling wooded wonderland – fun family recreation all year round.

Features: Barbeque Basketball Court Field Horseshoes Meeting Rooms Pickleball Court Picnic Shelter Playground Restrooms Street Hockey Tennis Court Trail Access Trails Water Playground

https://www.everettwa.gov/facilities/facility/details/Forest-Park-23

Parks & Trails American Legion Memorial Park 145 Alverson Blvd, Everett From the bluff overlooking Port Gardner Bay, enjoy panoramic views of Everett’s busy waterfront, Gedney (Hat) Island, Whidbey Island and Camano Island. Across the street, explore a large playground, shady old trees, spacious lawns, sport and picnic facilities Features: Arboretum Baseball Field Basketball Court Golf Course Pickleball Court Picnic Shelter Picnic Tables Playground Restrooms Softball Field Tennis Court Trails Viewpoint

https://www.everettwa.gov/Facilities/Facility/Details/Legion-Memorial-Park-47

Parks & Trails Bayside Park 2200 Grand Ave, Everett Photographers enjoy views of Port Gardner Bay and Everett’s waterfront.

A short, moderately steep but ADA-accessible sidewalk winds down the landscaped bluff adjacent to Bayside Neighborhood P-Patch.

Features: Viewpointl

https://www.everettwa.gov/Facilities/Facility/Details/Bayside-Park-14

Parks & Trails

Camp Patterson Picnic Shelter 11405 Silver Lake Rd, Everett Located at Thornton A. Sullivan Park at Silver Lake. This is a sheltered picnic area. Take advantage of the hiking trails, playground and game field.

Amenities Picnic tables/BBQ (seats up to 64); allow up to 200 people Restrooms Features: Wheelchair access Beach Trail access Field Playground Picnic Tables Beach Access Playground Open Play Field Restrooms Trails

https://www.everettwa.gov/Facilities/Facility/Details/Camp-Patterson-Picnic-Shelter-100

Parks & Trails Howarth Park 1127 Olympic Blvd, Everett Features: Off-leash area Picnic Tables Playground Restrooms Tennis Court Trails Viewpoint

Park Hours 6 am-Dusk When using the play area: * Wash/sanitize hand before & after use * Use at your own risk, equipment not sanitized

https://www.everettwa.gov/Facilities/Facility/Details/Howarth-Park-46

Parks & Trails Kasch Park Picnic Shelter 8811 Airport Rd, Everett Seats 47, allow up to 100 people BBQ, 6 tables The grill in the shelter may be used by the public when the shelter is not rented. The grill may need to be cleaned when you arrive for a rental; it is suggested to bring your own grill brush to clean the grill.

Call 425-257-8300 ext. 2 Monday-Friday 8am-1pm to check availability. We require two business days notice to process a new reservation.

Features: Ballfields Picnic Tables Playground Restrooms Trail Access

https://www.everettwa.gov/Facilities/Facility/Details/Kasch-Park-Picnic-Shelter-108

Parks & Trails Langus Riverfront Park 400 Smith Island Rd, Everett Launch into the water like a wild goose, or walk along the river and watch a flock fly by.

Adjacent to the Snohomish River, the park boasts premier river access with a boat launch, fishing pier, shell house and rowing dock. The 3-mile paved trail is perfect for walking, jogging and biking. It's also a great vantage point to see waterfowl, raptors and shorebirds. Size: 96 acres Features: Barbeque Boat Launch Fishing Picnic Shelter Picnic Tables Restrooms Rowing Trails Viewpoint Waterfront Access

https://www.everettwa.gov/Facilities/Facility/Details/Langus-Riverfront-Park-27

Parks & Trails Lowell Park 4605 S 3rd Ave, Everett Features: Basketball Court Off-leash area Pickleball Court Picnic Tables Playground Restrooms Tennis Court

Park Hours 6 am-Dusk When using the play area: * Wash/sanitize hand before & after use * Use at your own risk, equipment not sanitized

https://www.everettwa.gov/Facilities/Facility/Details/Lowell-Park-31

WASHINGTON:

OUR STATE

WA DESTINATIONS:

TOP 10 "MUST SEE" 1. MOUNT RAINIER 2. OLYMPIC NATIONAL PARK 3. SEATTLE 4. SAN JUAN ISLANDS 5. MOUNT ST. HELENS 6. GRAND COULEE DAM 7. LAKE CHELAN 8. COLUMBIA RIVER GORGE 9. SNOQUALMIE FALLS 10. FERRY RIDE ON THE PUGET SOUND For information on each of these attractions, visit the Travel Washington website at: http://www.travel-in-wa.com

PUGET SOUND AREA:

ACTIVITIES & ENTERTAINMENT Things to Do The Puget Sound Region is full of dynamic and cosmopolitan cities framed by inspirational lakes, pristine ocean bays and rugged mountains. It is a virtual smorgasbord of possibility, from recreational opportunities in unrivaled natural settings to urban delights in the arts and culture offered in world-class museums, theatres and other venues. An area rich in history, from the Northwest Native American cultures and Alaska Yukon gold rush days, to Seattle’s iconic Space Needle and corporate giants in aviation and the dot-com. Whether you’re looking for fun, excitement, education or romance, this region offers an unrivaled choice of diverse activities.

Experience Washington is the official travel and tourism website for the state.

Visit their site to discover and plan things to do in all regions of Washington.

You can also contact them at 1-800-544-1800. www.experiencewa.com For a listing of suggested attractions, coupons and other visitor’s resources check out: The Puget Sound Attractions Council website at: www.seattleattractions.com

● Arts, Culture, Heritage ● Outdoor Activities ● Family Fun ● Gaming ● Live Performances ● Zoos/Aquariums ● Golf Courses ● Skiing ● Sports Teams ● Wineries ● Breweries/Spirits ● Natural Scenic Byways The GoNorthwest Online Travel Guide offers a listing by Puget Sound City of attractions, accommodations, visitors information, activities and more.

It can be found at: www.gonorthwest.com

PUGET SOUND AREA:

WINERIES & BREWERIES About the Wine Industry in Washington Winemakers from all over the world have chosen to establish themselves in Washington, where they can create wines reflecting this region's unique characteristics.

National rank: 2nd largest premium wine producer in the United States Number of wineries: 850+

Number of wine grape growers: 350+

Appellations: Thirteen American Viticultural Areas (AVAs), as recognized and defined by the US Treasury Department; Alcohol & Tobacco Taxes & Trade Bureau 1. Yakima Valley - 1983 8. Wahluke Slope - 2006 2. Walla Walla Valley - 1984 9. Rattlesnake Hills - 2006 3. Columbia Valley - 1984 10. Snipes Mountain - 2009 4. Puget Sound - 1995 11. Lake Chelan - 2009 5. Red Mountain - 2001 12. Naches Heights - 2011 6. Columbia Gorge - 2004 13. Ancient Lakes of 7. Horse Heaven Hills - 2005 Columbia Valley - 2012 Visit the Washington State Wine website at: washingtonwine.org About the Washington State Beer Commission & Industry The Washington Beer Commission was ratified by the Washington State Legislature on September 6, 2006 as an Agricultural Commodity Commission, becoming the first commodity commission for craft beer in the U.S. Through RCW 15.89 the state granted the commission the opportunity to produce up to 12 beer tasting festivals per year and to use the proceeds to promote and market Washington’s craft breweries. An assessment of ten cents per barrel produced by each brewery (with a cap assessment of $1,000) was also a part of the legislation. Washington state now boasts 240+ breweries and I s still the only state in the nation with a beer commission.

Visit the WA Beer Commission website at: washingtonbeer.com Download the Washington Beer Mobile App:

iTunes

Google

SCHOOL INFORMATION

SCHOOL INFORMATION

School Report Subject Parcel

Snohomish County Report Detail

Site Address

3706 Wetmore Ave Everett WA 98201

Parcel

00451402502900

School District

002 Everett

Assigned Primary School

Jackson Elementary School

Assigned Middle School

North Middle School

Assigned High School

Everett High School

Query Distance From Parcel

1 miles

Schools In Query

3

Primary School

Middle School

High School

Jackson Elementary School

North Middle School

Everett High School

School Map

Other School

School #1 School District

Everett School District

Dist From Subject 1.17 miles

School

Everett High School

Site Address

2416 Colby Ave.

City

Everett

Zip

98201

Type

1-Regular school

Students

1597

Charter

No

Magnet

No

Title 1 Elig

2-No

Title 1

6-Not a Title I school

Free/Reduced Lunch

876

FTE Teachers Count

78.18

Student/Teacher Ratio

20.43

Grade Levels

9th Grade - 12th Grade

Male

845

Female

734

Hispanic

427

White

809

Black

65

Am. Indian

18

Asian/Pacific Isl.

104

School #2 School District

Everett School District

Dist From Subject 0.51 miles

School

Jackson Elementary School

Site Address

3700 Federal Ave.

City

Everett

Zip

98201

Type

1-Regular school

Students

299

Charter

No

Magnet

No

Title 1 Elig

1-Yes

Title 1

5-Title I schoolwide school

Free/Reduced Lunch

168

FTE Teachers Count

22.80

Student/Teacher Ratio

13.11

Grade Levels

Prekindergarten - 5th Grade

Male

162

Female

137

Hispanic

64

White

158

Black

7

Am. Indian

4

Asian/Pacific Isl.

4

School #3 School District

Everett School District

Dist From Subject 1.14 miles

School

North Middle School

Site Address

2514 Rainier Ave.

City

Everett

Zip

98201

Type

1-Regular school

Students

700

Charter

No

Magnet

No

Title 1 Elig

1-Yes

Title 1

4-Title I schoolwide eligible school-No program

Free/Reduced Lunch

454

FTE Teachers Count

36.73

Student/Teacher Ratio

19.06

Grade Levels

6th Grade - 8th Grade

Male

353

Female

342

Hispanic

214

White

333

Black

23

Am. Indian

10

Asian/Pacific Isl.

23

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MISCELLANEOUS

MISCELLANEOUS

Miscellaneous Utilities Staging Decluttering Cleaning Hacks Homeownership Coverage Comparison Flood vs. Home Insurance Checklist Tips for Moving Cyber Fraud Protection What is Title Insurance?

Home Warranty Moving Timetable

Utilities Snohomish County Cable/Phone/Internet

Contact #

Website

AT&T

(800)331-0500

att.com

CenturyLink Comcast/Xfinity DirectTV DISH Network Verizon Wave Broadband

(866)642-0444 (800)266-2278 (800)595-9931 (800)823-4929 (800)337-4966 (866)928-3123

centurylink.com comcast.com directsattv.com dish.com verizon.com/home/services wavebroadband.com

Electricity/Natural Gas Northshore Utilities District Puget Sound Energy Snohomish County PUD

(425) 398-4401 (888) 225-5773 (877) 783-1000

nud.net pse.com snopud.com

Water/Sewer Alderwood Water and Wastewater District Carnation (only water, town uses septic) City of Edmonds City of Everett City of Lynnwood City of Monroe City of Mukilteo

(425) 787-0220 (425) 333-4192 (425) 771-0235 (425) 257-8999 (425) 670-6609 (360) 794-7400 (425) 355-3355

alderwoodwater.com ci.carnation.wa.us ci.edmonds.wa.us ci.everett.wa.us ci.lynnwood.wa.us ci.monroe.wa.us ci.mukilteo.wa.us

Cross Valley Water District Highlands Water District Lake Stevens Sewer District

(360) 668-6766 (360) 794-6900 (425) 334-8588

crossvalleywater.net highlandwaterdistrict.com lkstevenssewer.org

Mountlake Terrace Olympic View Water and Sewer District

(425) 744-6214 (425) 774-7769

cityofmlt.com

Olympus Terrance Sewer District Silver Lake Water and Sewer Startup Water District

(425) 353-6000 (425) 337-3641 (360) 793-1833

olympusterrace.com slwsd.com startupwaterdistrict.com

Three Lakes Water Assoc.

Tulalip Utilities Authority

(360) 568-8022 (360) 716-4840

3lwa.com tulaliptribes-nsn.gov

Newspaper Everett Herald

(425) 339-3000

heraldnet.com

Seattle Times Skagit Valley Herald USA Today

(206) 464-2121 (360) 424-1900 (800) 872-0001

seattletimes.com goskagit.com offers.usatoday.com

Wall Street Journal

(800) 975-8609

subscribe.wsj.com

(425) 778-0188 (425) 259-0044 (425) 814-1695

republicservices.com rubatino.com wmnorthwest.com

Waste/Garbage Republic Services Rubatinos Refuse Removal Waste Management Northwest aka Sno-King

PROFESSIONALLY STAGE YOUR HOME:

10 REASONS WHY 1. You will make more money. U.S. Housing and Urban Development reports that a staged house sells, on average, 17% higher than a non-staged house.

2. The cost of staging doesn’t cost a dime. A Home Gain Survey of over 2000 Realtors discovered that sellers who spent up to $1,000 staging their home recovered almost 200% of the cost in the sale of their home.

3. Most home sellers cannot view their house objectively. If you can’t see objectively, you can’t “package” effectively. Have a staging professional give you a detailed, step by step, “Action Plan” so you can do the work yourself.

4. Less guesswork and “Do It Yourself”. A professional home stager can manage your projects from start to finish OR give you a detailed enough report based on their extensive knowledge and training to have you “do it yourself”.

5. Only 10% of homebuyers can visualize the potential of a home. That’s why staging a vacant home is critical! You don’t want the benefits of your beautiful home left up to the buyer’s imagination.

6. Studies show that the longer your home stays on the market the lower your selling price will be. Don’t settle for less and lower your price…have your house staged.

7. Staging is designed to differentiate a house. Create emotion, which translates into more offers and more money. Staging is about the creativity, not the money.

8. Staging helps with the vision. Buying a house is largely an emotional decision because people are not just purchasing a home; they are buying a dream...a lifestyle.

9. When it comes to staging a home, the beauty lies not only in the art but in the numbers. Staging can transform a home from ugly duckling to swan.

10. Keep in mind what you’re selling is the home, not its contents. If you remove throw or area rugs, eliminate clutter and collections, and cut down on furniture and accessories, the room will appear to be more airy and spacious. It's all about flow.

TIPS FOR SELLERS

HOME DECLUTTERING By de-cluttering a home, you allow customers to see each space’s best features and full potential. Give customers the space to envision their own dreams within the home. Here are a few tips for staging a home properly with tips on staging mistakes to avoid:

KEYS TO STAGING A HOME PROPERLY¹ • Give the property’s interior a fresh coat of paint to show prospective buyers the home is well kept and alive • Whether you want to or not, be sure to disclose everything about the property • Fix all running toilets – the sound of echoing pipes is a sound that could spook off customers • Show the cozy places in the home, including the outside; if there’s a patio or a porch, show potential customers that the property’s outside is as attractive as the inside • To get a feel for what spaciousness, simplicity, neutral colors and décor can do for your home sales, visit model homes to see how they do it • To freshen up the kitchen area, cut one lemon in half and grind it in the garbage disposal • Display foliage in moderation; be mindful to invest in quality plants that are either silken or easy to maintain • Ask yourself if all of the decorative items in the home are really needed, or if they can be put away (for example, do you really need three statuettes of turtles on the kitchen counter? Perhaps just clear the counter off completely) • Listen to the pros and hire an agent to assist you with your real estate needs

STAGING MISTAKES² • Leave no section of your home un-staged – be prepared for potential buyers with a critical eye for details, including cleanliness • If you’re going to add fragrance to the home, use a tad of neutral, fresh-smelling scents such as vanilla or lemon; refrain from using over-powering scents – it could smell like you’re trying to cover an odor • Do not leave any family photographs, mail, documents or other personal information out on countertops – also, if you keep pictures or personal items tacked on your refrigerator, remove those as well.

• Keep personal items in a hidden, well-protected place; create a non-cluttered, neutral environment in which a potential buyer can picture themselves living there (not the family currently living there) • Be sure the closet spaces are cleared out – you want your potential buyers to see how much storage space they may find handy • If a DIY project has been left unfinished, either clean it up or clear it out • Don’t forget that the yard should be just as neat as the inside of your home • Not everyone is pet-friendly; when showing a home, please remove your furry friends during a showing • Be sure the food pantry, laundry room and garage are well-organized and clean; only leave items in those storage spaces that pertain directly to the space itself; all other knickknacks or untidy items should be re-moved

Sources: 1 http://www.hgtv.com/real-estate/top-10-home-staging-dos/index.html http://www.squidoo.com/homestagingmistakes#module13426482 2 http://www.squidoo.com/homestagingmistakes http://www.hgtv.com/real-estate/top-10-home-staging-donts/ index.html

CLEVER TIPS FOR THE HOMEOWNER:

CLEANING HACKS Every well-run household has its own unique solutions and quick fixes to keep it humming smoothly.

Here are a few favorite and clever pearls of domestic wisdom to add to your collection .

• Have you tried baby wipes on carpet stains? They work so well, you’ll be wondering why no one told you sooner!

• Keep candles in the refrigerator for several hours before you use to slow down dripping and make them last longer.

• To eliminate cooking odors heat white vinegar in an uncovered pot on the stove. (don’t boil) Remove after 30 minutes.

The light vinegar smell dissipates quickly, taking odors with it.

• The best way to attack cooked-on spatters in your microwave: Heat a half-cup of water for two minutes on high. The steam will soften the food and the mess will wipe right out.

• When run through your coffee grinder, a handful of dried rice will sharpen the blades.

• After your next party, share flat, leftover beer with your garden. The plants love the yeast.

• Ants hate anything spicy. Sprinkle ground pepper, cayenne, even cinnamon, in their path, and you’ll stop them in their tracks.

• Your chimney will stay clean if you throw a handful of salt on the fire.

• Fill nail holes with a paste made of cornstarch and water. Works just as well as putty!

• When a wooden door or gate sticks, bring out the hair dryer. By blowing hot air directly on the wood where it’s sticking, you’ll remove the moisture and the swelling will go down.

• Squeaky doors? For a drip less solution, use petroleum jelly on the hinges instead of oil.

• Simmer a sliced apple and a couple of cinnamon sticks in water on the stove. Your whole house will smell like apple pie.

• Place unusable remnants of soap in a ventilated plastic bag and pack it away with seasonal clothes. This will keep the moths away, and your clothes will smell much better when you take them out of storage.

• Leather needs to breathe, so never hang coats or jackets in plastic. Instead, make a dust cover from a pil-lowcase by cutting a hole in the top for a hanger.

CHECKLIST:

MOVING DAY BEFORE MOVING DAY ❑ Pack all family records in a separate box and keep it with you (not in the moving van) when you move. Include your family’s medical, dental, school, and financial records. Although the moving company is insured, if it loses your irreplaceable records and other valuable, there is nothing they can do to get them back. ❑ Forward your mail. Make “We’re Moving” postcards to send to friends and relatives. Send change-ofaddress forms to magazines, service organizations, DMV/DOL and others. Go to the post office and complete a mail forwarding form. Also, consider sending electronic change-of-address cards to your friends. Check the Internet for sites that offer these cards for free. ❑ Say goodbye to your neighbors and give them your new address and phone number. Hand out “We’re Moving” postcards as you say goodbye. ❑ Call the telephone and utility companies to close or transfer your accounts and let them know your new address. Your final bills will arrive there. ❑ Be sure that the new tenants (or property manager) have the code for the alarm system.

ON MOVING DAY ❑ Turn off and unplug all appliances. Check the refrigerator, air conditioner, clothes washer, dryer, and other appliances. As a courtesy to the new tenants, leave the plugs and their wall sockets in plain view and accessible. ❑ Turn off the automatic sprinkling system (or set it to automatic, if appropriate) ❑ Set the thermostat to 55 degrees. If it’s winter, this will help ensure that the pipes won’t freeze before the new tenants arrive. ❑ Close blinds and draperies and turn off all lights except one or two so that the house doesn’t seem unoccupied. ❑ Secure and lock all doors and gates. Remove any locks to which you own a key or combination (or leave the key or combination for the new occupants).

CHECKLIST:

CHANGE OF ADDRESS Utilities & Services  Electric  Gas  Water  Garbage  Sewer  Recycle  Telephone/Mobile  Cable/Satellite  Internet  Fuel  Water Delivery/Water Treatment  Pool Services  Lawn/Garden Services  Housecleaning Services  Physicians/Dentists/Veterinarian  Attorney  Real Estate Broker  Lender  Pharmacy/Drug Store  Dry Cleaners Subscriptions  Newspapers  Magazines  Book and Music Clubs Family  Schools  Children’s Organizations  Clubs (Athletic, misc.)  Relatives, Friends, Business Associates

Don’t forget to submit your change of address with the U.S. Post Office online, mail-in form, or at a local branch and set your mail to forward.

Financial & Personal Accounts  Employer/Benefits/401K  Banks  Loan Institutions  Financial Advisor/Investments  Major Credit Card Companies  Department Store Credit Cards  Insurance Agencies (Health, Home/Life & Auto)

 Charge Accounts  Pension Plans  Air Miles Rewards Program  Accountant/Tax Consultant  Charities

 Professional Memberships/Licensing Boards

Government & Public Offices  Post Office  Veteran Affairs  Income Tax/IRS  Family Support  Social Security  Pension Benefits  Unemployment Insurance  Vehicle Registration  Driving License  Voter’s Registration

REMINDERS FOR FALL/WINTER:

HOME MAINTENANCE Owning a home can be a dream come true. But without regular maintenance, your home can become a nightmare. Here is a handy fall-winter maintenance checklist to use to you can ensure your home remains your haven all winter long.

REMINDERS FOR SPRING:

HOME MAINTENANCE Show your home’s interior and exterior some much-needed TLC and take spring-cleaning to the next level. Don’t know where to start? Use this list to help you tackle spring maintenance like a pro.

Advantages Of Owning A Home

The decision to purchase a new home brings a sense of stability. Whether you need a place to make your own, more space for a growing family or an investment opportunity, the home-buying process is an exciting time.

Buying a home often reflects a desire for financial security and can be a sound decision for number of reasons: Accumulation of Equity When you buy your house and pay your monthly mortgage, you can gradually accumulate what lenders call equity. Equity is an ownership interest in the property. It can be converted into cash by borrowing against it or by selling your house. Unlike owning a home, renting offers no opportunity to build equity.

Please contact me for more information.

Stewart Title Company Client Success Team 6050 Tacoma Mall Blvd Suite 100 Tacoma, WA 98409 206.770.8726 main cs@stewart.com stewart.com/puget-sound

© 2021 Stewart. All rights reserved. | 808922785 Trademarks are the property of their respective owners.

All fees and processes are subject to local real estate practices. For specific information about your transaction, please consult your real estate agent, loan officer or escrow officer.

Stable Housing Costs Another advantage to homeownership is that mortgage payments can remain unchanged throughout the life of your mortgage. Renters may face an increase in rent payments year after year.

With a fixed-rate mortgage, your monthly payments remain the same over the years as other costs of living increase over time due to inflation. As a homeowner with a fixed-rate mortgage, you have the advantage of knowing what your mortgage payment will be far into the future.

Increased Value Houses typically increase in value, or appreciate, over time. It’s not unusual to find a house that sold for $150,000 15 years ago valued at a much higher price today. Appreciation is like money in the bank to you as the homeowner.

Tax Benefits As a homeowner, you will enjoy significant tax breaks that are not available to renters. The most important tax benefit of homeownership is that interest paid on your home mortgage is usually deductible. This fact alone can save you a substantial amount each year in federal income taxes.

Comparing Coverage of

ALTA Owner’s Policy and ALTA Homeowner’s Policy Stewart Title offers our residential customers various levels of coverage for your protection. The coverage provided by the ALTA Owner’s Policy (a standard coverage policy) covers you for defects and liens typically in the Public Records’ history of your title through the date and time your deed is recorded in the Public Records. The ALTA Homeowner’s Policy provides enhanced coverage and protects you from matters appearing in the Public Records and items not appearing in the Public Records, including some that might occur after the policy is issued.

Head-to-head Coverage Comparison Coverages Included Without Endorsement Assumes compliance with Stewart Title Guaranty Company’s underwriting requirements for issuance of the applicable policy.

ALTA Owner’s Policy (standard) 2021

ALTA Homeowner’s Policy 2021

Title being vested other than as stated in Schedule A of policy

√

√

Forgery, fraud, duress, incompetency, incapacity or impersonation

√

√

Liens or encumbrances on the title (e.g., prior mortgage or deed of trust, state or federal tax lien, condominium or homeowners’ association lien)

√

√

A document affecting title not properly created, executed, sealed, acknowledged or delivered

√

√

Defective recording of documents

√

√

Defect in title caused by improper remote online notarization, failure to perform those acts necessary to create a document by electronic signature, and repudiation of an invalid electronic signature

√

√

Unmarketability of the title

√

√

No right of access to and from the land

√

√

Restrictive covenants limiting your use of the land

√

√

Gap Coverage (extending coverage from the closing to the recording of the deed)

√

√

Coverage continues as long as you own the property

√

√

Policy insures anyone who inherits the property from you

√

√

Policy insures the trustee of your estate-planning trust who receives a deed from you

√

√

Policy insures an affiliate who receives a deed from you

√

√

Covered Risks

Duration

Policy insures residential property only

√

Policy can only be issued to a natural person or estate planning entity

√

Extended Coverage Parties in possession of the property that are not disclosed by the Public Records (e.g., tenants, adverse possessors)

*

√

Unrecorded easements affecting the property

*

√

Encroachments and boundary line disputes that would be disclosed by a survey

*

√

Mechanic’s liens (a lien against the property due to non-payment of work)

*

√

Taxes or special assessments that are not shown as liens by the Public Records

*

√

*Not included in the coverage

Head-to-head Coverage Comparison Coverages Included Without Endorsement Assumes compliance with Stewart Title Guaranty Company’s underwriting requirements for issuance of the applicable policy.

ALTA Owner’s Policy (standard) 2021

ALTA Homeowner’s Policy 2021

Actual vehicular and pedestrian access based upon a legal right

*

√

Loss of your title resulting from a prior violation of covenant, condition or restriction

*

√

A limited amount of coverage is available if you are unable to obtain a building permit due to an existing violation of a subdivision law or regulation or you must correct an existing violation (subject to a deductible)

*

√

A limited amount of coverage is available if you must remedy or remove an existing structure because it was built without a proper building permit (subject to a deductible)

*

√

A limited amount of coverage is available if you must remedy or remove an existing structure due to an existing violation of a zoning law or zoning regulation (subject to a deductible)

*

√

A limited amount of coverage is available if you must remove your existing structures if they encroach into an easement or over a setback line

*

√

You cannot use the land as a single-family residence because such use violates an existing zoning law or zoning regulation

*

√

You are forced to remove your existing structures because they encroach into an easement or over a setback line

*

√

Damage to existing structures due to an exercise of an existing right to use any easement affecting the land

*

√

Damage to existing improvements due to an exercise of an existing right to use the surface of the land for the extraction or development of minerals, water or any other substance

*

√

Someone else tries to enforce a discriminatory covenant

*

√

Supplemental taxes because of prior construction or change of ownership or use

*

√

Loss if the residence is not located at the address stated in the policy

*

√

Pays substitute rent and relocation expenses, if you cannot use your home because of a claim covered by the policy

*

√

Automatic increase in policy amount up to 150% of policy amount over 5 years

*

√

Forgery or impersonation affecting the title

*

√

Unauthorized leases, contracts or options

*

√

Ownership claims

*

√

Easements affecting your use of the land

*

√

Encroachment of neighbor’s buildings onto your land

*

√

Additional Coverages

Post-Policy Coverages

*Not included in the coverage Coverages stated above are merely examples. Please refer to the policy for actual coverages related to your transaction. Both policies identified above may contain certain exceptions, exclusions and conditions as set out by Stewart Title Guaranty Company and the American Land Title Association®. If you have any questions regarding your rights under the various policies seek legal, tax or other professional advice.

The information provided is for informational purposes and is subject to change without notice.

Please contact me for more information.

Stewart Title Company Client Success Team 6050 Tacoma Mall Blvd Suite 100 Tacoma, WA 98409 206.770.8726 main cs@stewart.com stewart.com/puget-sound

© 2021 Stewart. All rights reserved. | 726381719 Trademarks are the property of their respective owners.

Flood Insurance vs.

Home Insurance

Are You Protected Against Water Damage?

As a homeowner, your property is one of your most valuable assets. That’s why you protect it with homeowner’s insurance. But does your homeowners insurance protect your home against all water damage? By understanding how insurance views water, you can protect yourself financially. Otherwise, you may find yourself drowning in debt.

Where water is concerned, there are two types of water-related insurance claims: Flooding and water damage.

This first type of water-related claim is flooding, also known as rising water. It’s a very common natural disaster and is only covered through a flood insurance policy.

The second type of water-related claim is water damage. With water damage, your home insurance policy potentially covers four different types. Those are: X

Sudden and Accidental – The kind of damage that occurs when a pipe suddenly bursts.

X

X

X

Seepage and Leakage – The damage resulting from a slow, continuous water leak over time.

Water Backup – Water that comes in the home through entry points such as sinks, toilets or bathtubs.

Foundation water damage – Should one of the three previously mentioned types of water damage occur, resulting in the need to break into your foundation, you’ll want to have foundation water damage coverage.

Keep in mind that not all home insurance policies cover all four types of water damage. Verify your coverage with your insurance agent.

Let Stewart Insurance help you build an insurance plan you’re confident in.

Call Stewart Insurance at 866-798-2827 today.

Please contact me for more information.

Stewart Title Company Client Success Team 6050 Tacoma Mall Blvd Suite 100 Tacoma, WA 98409 206.770.8726 main cs@stewart.com stewart.com/puget-sound

© 2021 Stewart. All rights reserved. | 807744996

SELLING A HOME

Checklist for Repairs and Cleaning A home that is clean and tidy, and maximizes space will sell faster and at a higher price. Keep in mind that a small investment in time and money could make your home much more attractive to buyers.

Exterior

OK As Is

Needs Work

OK As Is

Needs Work

OK As Is

Needs Work

OK As Is

Needs Work

OK As Is

Needs Work

Does the house need fresh paint?

Are holes and cracks visible?

Are sidewalks, porches and decks swept and in good shape?

Is it inviting?

Do the windows and door screens need to be replaced?

Does the house trim need repair or paint?

Are gutters and downspouts secure and clean?

Landscape Are shrubs and trees trimmed?

Is the lawn fertilized?

Are flowers planted?

Is the lawn mowed and edged?

Has the lawn been weeded?

Kitchen Are the appliances clean and working?

Are cabinets neat and in good condition?

Are countertops clean and uncluttered?

Does the tile need regrouting?

Does the sink need recaulking, chips repaired or stains removed?

Do the faucets leak?

Is the oven clean?

Is the gas igniter working properly? (Be sure to leave the key.)

Bathroom Do the faucets leak?

Does the tub need recaulking?

Do the shower tiles need new grout?

Are the shower doors clean?

Is the floor in good condition?

Roof Are there any leaks or unlevel areas?

Are shingles or tiles missing?

Does the roof have any unlevel areas?

Garage

OK As Is

Needs Work

OK As Is

Needs Work

OK As Is

Needs Work

Are the floors swept and stain-free?

Are all items stacked against walls to maximize floor space?

Is the garage door opener operating correctly?

Is the garage organized, neat and well lit?

Attic Is the attic organized and clean?

Are the stairs in good condition?

Is the attic well lit?

Are there any signs of insects or rodents?

Overall Can items be removed in order to make the home appear larger?

Do the walls and woodwork need new paint?

Do the walls have holes or cracks?

Does the wallpaper need replacing?

Are both sides of the windows clean?

Are the floors clean and polished?

Are there any stains or damage from water leaks?

Is the carpet clean, flat and stain-free?

Are the window treatments clean and properly working?

Do squeaky hinges need oil?

Are the ceiling fans and vents clean?

Do the windows open and close easily?

Has the house been deep cleaned?

Do any of the doors stick?

Do all the locks work properly and have keys?

Do the doors seal properly?

Are all lights working?

Please contact me for more information.

Stewart Title Company Client Success Team 6050 Tacoma Mall Blvd Suite 100 Tacoma, WA 98409 206.770.8726 main cs@stewart.com stewart.com/puget-sound

© 2021 Stewart. All rights reserved. | 738591339 Trademarks are the property of their respective owners. The information provided on this flyer is for general informational purposes only, should not be solely relied upon, and is subject to change without notice.

TIPS FOR MOVING Moving can be stressful, but you can make it easier by starting your preparations early. The first step is to hire a mover. Here are few tips for choosing the right one: x

Get referrals from friends, online review sites and organizations like the Better Business Bureau®.

x

Find a balance between the lowest cost, the most experience and the right equipment.

x

I nquire about discounts related to organizations you may belong to.

x

onfirm mover credentials. Movers should be C licensed and bonded, and employees should have workers’ compensation insurance.

x

Ask for references.

x

Get estimates in writing.

Please contact me for more information.

Stewart Title Company C l i e n t Su c c e s s T e a m 6050 Tacoma Mall Blvd Suite 100 Tacoma, WA 98409 206.770.8726 main cs@stewart.com stewart.com/puget-sound

© 2020 Stewart. All rights reserved. | 522324134 Trademarks are the property of their respective owners.

Protecting Yourself From Real Estate Cyber-fraud Sensitive information plays a critical role in your real estate transaction, and it’s imperative that this information remains safe and protected. Stewart Title strives to provide consumers with peace of mind in knowing that their personal, non-public sensitive information is protected through Stewart Title’s data security and email encryption.

But, as a consumer, there are steps you can take to protect yourself from cyber-fraud, too.

Recently, there has been a wave of cyber-fraud.

Cybercriminals hack into the email accounts of real estate agents or other persons involved in real estate transactions. These “hackers” are patient; they sit and wait until they discover useful information to assist in the scam and trick you into sending money through a wire transfer to a bank account that appears to be legitimately owned by a party involved in the transaction (but is not).

The hackers send an email that appears to be from an individual involved in the transaction (a practice called spoofing).

At first glance, these spoofing email addresses appear legitimate but often have one additional letter or some other minor variation from the actual email address.

Example: msmith@stewartttitle.com instead of msmith@stewarttitle.com These spoofing emails advise the recipient (often the buyer) that there has been a last-minute change to the wiring instructions and request that funds be sent to the new account information provided. By following these instructions, the funds are inadvertently wired to the hacker’s account and, most often, lost forever.

Please contact me for more information.

Recognize common indicators of cyber-fraud: X Emails requesting last-minute changes to wiring

information (e.g., particularly changes in the beneficiary and/or receiving bank) X Requests for wire transfers late in the day or week or

outside of business hours X Emails with poor grammar and/or typographical errors X Slight, typically unnoticeable-at-first-glance changes in

the email address Suggested best practices for transmitting and receiving sensitive information: X Send emails with sensitive, personal information,

through encrypted email only.

X Verify requests to change wiring instructions through

a trusted method (like a phone number previously verified); never use the phone number in the email.

X Verify wire transfer requests to locations outside

normal business areas.

X Never click on any links in an unverified or

unexpected email.

X Always question attachments and links that are

sent unencrypted.

What to do if you believe you are a victim of cyber-fraud: X If money was wired in response to fraudulent

wiring instructions, immediately call all banks and financial institutions that could put a stop to the wire or your funds.

X Contact your local police or local municipalities’

real estate fraud division.

X Contact any other parties who may have been

exposed to the cyber-fraud so that appropriate action may be taken.

X Change all usernames and passwords associated

Stewart Title Company Client Success Team 6050 Tacoma Mall Blvd Suite 100 Tacoma, WA 98409 206.770.8726 main cs@stewart.com stewart.com/puget-sound

© 2020 Stewart. All rights reserved. | 522385655

with any account that you believe may have been compromised.

X Report any cybercrime activity to the Federal Bureau

of Investigation Internet Crime Complaint Center www.ic3.gov/complaint/default.aspx.

What is

Title Insurance?

So, you’re buying a house. It’s an exciting time. It can also be a bit confusing. Things feel like they’re happening pretty fast and, often, some important things can go unexplained – like title insurance. To help you understand the purpose and importance of title insurance, Stewart Title has put together this helpful overview.

What does it cover?

Title insurance protects against claims from defects.

Defects are things such as another person claiming an ownership interest, improperly recorded documents, fraud, forgery, liens, encroachments, easements and other items that are specified in the actual policy.

What is title?

Simply stated, the title to a piece of property is the evidence that the owner is in lawful possession of that property.

Who needs it?

Home buyers and lenders need title insurance in order to be insured against various possible title defects. The buyer, seller and lender all benefit from the issuance of title insurance.

What is title insurance?

Title insurance protects real estate owners and lenders against any property loss or damage they might experience because of liens, encumbrances or the defects in the title to the property. Each title insurance policy is subject to specific terms, conditions and exclusions.

How does title insurance differ from other insurance?

Insurance such as car, life, health, etc., protects against potential future events and is paid for with monthly or annual premiums. A title policy insures against events that occurred in the past of the real property and the people who owned it, for a one-time premium paid at the close of the escrow.

Please contact me for more information.

Stewart Title Company Client Success Team 6050 Tacoma Mall Blvd Suite 100 Tacoma, WA 98409 206.770.8726 main cs@stewart.com stewart.com/puget-sound

© 2020 Stewart. All rights reserved. | 522356297

All fees and processes are subject to local real estate practices. For specific information about your transaction, please consult your real estate agent, loan officer or escrow officer.

How is a title policy created?

The creation of a title policy begins by searching the public records for defects, such as liens or legal judgments, which could interfere with the transfer of the property’s title. Once the title is deemed free and clear of defects, the prospective new owner receives a preliminary report for review and approval. If the prospective buyer approves the “prelim,” the escrow officer will record the document after closing and settlement, and the title policy will be created.

What is escrow?

Escrow refers to the process in which the funds of a transaction (such as the sale of a house) are held by a third party, often the title company or an attorney in the case of real estate, pending the fulfillment of the transaction.

What are the policy types?

A standard policy insures the new owner/home buyer, and a lender’s policy insures the priority of the lender’s security interest.

Stewart Home Warranty

We’ve Got You Covered Coverage That Gives You Real-Life Assurance Stewart Home Warranty, powered by HWA**, is a nationwide leader in the home warranty industry with over two decades of experience helping homeowners stay safe and feel comfortable when buying, selling or just living in their homes.

How Does a Home Warranty Protect You? You’re covered for life’s big emergencies — fire, theft, severe weather damage — by your homeowners insurance policy. But can you relax when it comes to everyday disasters? Your appliances and plumbing, electrical and heating/ cooling systems have limited lifespans due to normal wear and tear. A Stewart Home Warranty plan helps reduce your out-of-pocket repair and replacement costs for essential home systems — and gives you peace of mind.

Why HWA? When you choose Stewart Home Warranty, you’re choosing: X X

X

X X

X

Getting started is easy.

Visit HWAHomeWarranty.com or call 888.492.7359 for full information.

cs@stewart.com stewart.com/puget-sound

© 2022 Stewart. All rights reserved. | 850568406 Trademarks are the property of their respective owners. *HWA is not a contractor but engages independent qualified service technicians to service homes. In some cases, to assist in expediting service, a technician outside of our network may be utilized. **Service contracts are provided by Home Warranty of America, Inc. (“HWA”).

A fully customizable plan that meets your unique needs Easy-access customer service via phone, email, chat or web Coverage of more than 120 items Protection against unknown pre-existing conditions FREE Seller’s Coverage on active listings for up to 180 days ($1,500 limit)

X

No age restrictions on your home

X

Multiyear plans

X

Newly enhanced claims process

X

Stewart Title Company Client Success Team 6050 Tacoma Mall Blvd Suite 100 Tacoma, WA 98409 206.770.8726 main

13 months of initial coverage

X

Coverage for townhomes, condos and investment properties and new construction plans Dependable service from a national network of independent qualified service technicians*

MOVING TIMETABLE TIPS FOR MOVING

8

Weeks Before the Move x

Select your mover and get everything

6

Weeks Before the Move x

in writing. x

how many boxes you will need, then determine the size of the truck required by calculating the cubic feet of the boxes, plus that of large furniture pieces.

Decide how much of your current

furniture you will be using. You can save on moving costs by getting rid of unwanted furniture prior to your move. x

If you are moving yourself, determine

x

Determine which unwanted pieces will

If you’re moving to a new community

or city, get copies of records from service providers such as doctors, dentists, lawyers and utility companies.

be given to charity and which will be sold. This can save you money on your move – and put money in your pocket.

x

Make arrangements to transfer your children’s school records.

4

Weeks Before the Move x

Clean or repair furniture, curtains or

3

Weeks Before the Move x

carpets, if needed.

If movers are not doing your packing, begin gathering packing materials: ° Boxes ° Bubble wrap

° Nylon packing string

x

Hold a garage sale.

x

Arrange for storage, if needed.

x

Make any necessary travel and hotel

° Old newspapers ° Felt-tip markers

° Packing peanuts ° Packing tape

Determine if you need to transfer

° Furniture pads ° Large self-stick labels

° Utility knife

reservations. x

local bank accounts or cancel direct deposits. Coordinate with your bank(s).

x

° Rope ° Scissors

Begin packing items you won’t need between now and your move.

x

Arrange to cancel utilities and services at your old home after you’ve moved, and make sure you have electricity and water turned on at your new home by the time you move in.

2

Weeks Before the Move x

Make any special arrangements to move pets.

x

Have your car checked and serviced for

2

Days Before the Move x

Defrost your refrigerator and freezer.

x

Set aside valuables and legal documents to take with you.

the trip if you’re moving far away. x

Fill out a change-of-address form with the

x

x

Send a change-of-address notice to your

friends and family.

x

Review your online accounts and update

Pack clothing, toiletries and other

first-day essentials to go with you.

U.S. Postal Service. x

Have your movers begin packing.

x

Arrange payment for the driver on

moving day if you’re using a mover.

your address in your profile. x

Transfer any prescriptions to a pharmacy near

your new home and return any library books.

x

Arrange for a babysitter on moving day

if you have small children.

M

oving Day x

Pick up the truck early if you’re moving yourself.

x

Make a list of every item and box loaded into the truck.

x

Give your contact information to the mover.

x

Read the terms and conditions in your mover’s

agreement before signing. Keep the agreement in a safe place until your goods are delivered, charges are paid and any claims are settled.

x

Check that no leave-behind appliances are still

connected in your old house.

x

Inspect the attic and garage, and lock all doors

and windows.

D

elivery Day x

Check off all boxes and items as they

come off the moving truck (if applicable). x

Make sure utilities are connected and new locks are installed.

x

Be on hand to answer questions, pay the driver, take care of last-minute problems and examine your goods.

© 2020 Stewart. All rights reserved. | 522324134

Stewart Title Company Client Success Team 6050 Tacoma Mall Blvd Suite 100 Tacoma, WA 98409 206.770.8726 main cs@stewart.com stewart.com/puget-sound