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SKETCH ADDENDUM
Borrower I Client Keith W. Taggart ,
Property Address 1012 Harney Ave. ,
City Oshkosh County Winnebago State WI Zip Code 54901
lender Valley First National Bank. Fond du Lac. WI
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FW-73A
@ 1980 Forms and Worms Inc,. 315 Whitney Ave., New Haven, CT 06511 All Rights Reserved 1 (800) 243-4545
kem' tJ2900
,/
, ~. 1 ~~ddress 1012 Harnev Ave. Census Tract 0460 0001 LENDER DISCRETIONARY USE
/' Oshkosh County Winneba~w State WI Zip Code 54901 Sale Price $
,,,Qal Description Lo t 30. H. A . Gallun I s Addn.. 8th Ward Date
Owner/Occupant Daniel J. RichardsonJVacant Map Reference 8-624-A Mortgage Amount $
r ,Sale Price $ 24 000 Date of Sale 10/Q3 PROPERTY RIGHTS APPRAISED Mortgage Type
~ Loan charges/concessions to be paid by seller $ [i] Fee Simple Discount Points and Other Concessions
1-:
R,E. Taxes $ 67'5.10 Tax Year 1qq2 HOA $/Mo. - D Leasehold Paid by Seller $
Lender/Client VRllpv F;r~t NRt;nnal Bank Fond dll Lac WI D Condominium (HUD/VA)
l(p;tn'W, - - 1 De Minimis PUD Source
-
LOCATION [Xl Urban D Suburban D Rural NEIGHBORHOOD ANALYSIS Good Avg, Fair Poor
BUILT UP [i] Over 75% D 25-75% D Under 25% Employment Stability D CiJD D
GROWTH RATE D Rapid [i] Stable DSlow I Convenience to Employment D CiJD D
",
PROPERTY VALUES [i] Increasing D Stable D Declining Convenience to Shopping D CiJD D
DEMAND/SUPPLY D Shortage [i] In Balance D Over Supply Convenience to Schools 0 CiJD 0
MARKETING TIME n Under 3 Mos. ~ 3-6 Mos. n Over 6 Mos. Adequacy of Public Transportation D GJD D
. PRESENT LAND USE % LAND USE CHANGE PREDOMINANT SINGLE FAMILY HOUSING Recreation Facilities D CiJD D
.
. Single Family -1llL Not Likely [X] OCCUPANCY PRICE AGE Adequacy of Utilities D CiJD D
$ (000) (yrs)
.;; 2-4 Family .21L Likely 0 Owner [iJ Property Compatibility D CiJD D
. D D 20 ~ D CiJD D
.. Multi-family In process ' Tenant Low Protection from Detrimental Cond,
-
Commercial To: Vacant (0-5%) D 70 High Police & Fire Protection D CiJD D
-
Industrial Vacant (over 5%) D Predominant General Appearance of Properties R ~R R
-
Vacant " - hn Appeal to Market
Note: Race or the racial composition of the neighborhood are not considered reliable appraisal factors.
COMMENTS: The nei~hborhood is an older east side area with a mix of stvles of homes in varying
price ran~es. A two-block lon~ street. Harnev Ave. is bounded bv Bowen St. to the west and
Eveline St. to the east. No factors are present in the area that would ne2"ativelv affect the
marketabilitv of the sub;ect nronertv.
Dimensions 40' x 122.351 Topography Level
Site Area 4.894 sq. ft. Corner Lot No Size Avera~e for area
Zoning Classification R-2, Two Family Res. Zoning Compliance Le2"al non- Shape Rectan2Ular
HIGHEST & BEST USE: Present Use Yps Other UseN / A conrorrnin2" Drainage Adeauate
UTILITIES Public Other SITE IMPROVEMENTS Type Public private View Residential/Ave.
Electricity . [i] Street Asphalt [i] D Landscaping Avera~e
Gas !Xl Curb/Gutter None D D Driveway Gravel
Water !Xl Sidewalk Concrete [i] D Apparent Easements None
Sanitary Sewer ~ Street Lights Adequate ~ R FEMA Flood Hazard Yes* No x
Storm Sewer Alley None FEMA* Map/Zone '5'50,11 001 0 C; 2/20/81
COMMENTS (Apparent adverse easements, encroachments, special assessments, slide areas, etc,): See the attached Addendum.
.
GENERAL DESCRIPTION EXTERIOR DESCRIPTION FOUNDATION BASEMENT INSULATION UNKNOWN
Units One Foundation ~tnn",/Brk Slab - Area Sq, Ft. 4RO Roof D
-
Stories Om> Exterior Walls Asnh. ~n(71 Crawl Space - % Finished -0- Ceiling D
C;omn ~n (71 PRrt-lRl - D
Type (Det./Att.) Det Roof Surface Basement Ceiling - Walls
-
I!i:I Design (Style) 1. ~torv Gutters & Dwnspts. M"'t"R1 Sump Pump Nonp Walls Stone Brk. Floor D
S1.; o-nt" - D
~ Existing Yp~ Window Type Dbl Hun 2" Dampness Floor Concrete None
-
. Proposed No Storm Sash Comh Settlement ~l ; ~nt" Outside Entry None Adequacy D
:,
Under Construction - Screens r.nmn Infestation NonE> Energy Efficient Items:
Age (Yrs.) F.~t" 70 Manufactured House No .ill) NonE>
Effective Age (Yrs.) F~t L..n
ROOMS Foyer Living Dining Kitchen Den Family Rm. Rec. Rm. Bedrooms. # Baths Laundry Other Area Sq. Ft.
:J. Basement L..An
. Level 1 1 1 1 ? 1 1 QRi
. Level 2
.
. .
Finished area above grade contains: h Rooms; ? Bedroom(s); 1 Bath(s); QA~ Square Feet of Gross Living Area
SURFACES Materials/Condition HEATING KITCHKtb~IP. ATTIC IMPROVEMENT ANALYSIS Good Avg, Fair Poor
Floors See Addendum Type F.A. Refrigerator D None D Quality of Construction D ~D D
Walls Plstr. IPnI. /Av Fuel N.G. Range/Oven D Stairs [!J Condition of Improvements D ~D D
. Trim/Finish Wood/Ave. Condition New Disposal 0 Drop Stair D floom Sizes/ Layout 0 ~D D
. D D 0 rnD 0
r;: Bath Floor See Addendum Adequacy Ave. Dishwasher Scuttle Closets and Storage
i Balli w.nscot Pla!';tE>r/AvE>. COOLING None Fan/Hood. 0 Floor [!J Energy Efficiency D ~D 0
Doors wond/Av~ Cential - Compactoi 0 Heated o . Plumbing-Adequacy & Condition 0 090 11
L.J
Other - Washer /DryerD Finished [!J Electrical-Adequacy & ConditioJiOO[N1P~ D D
Condition - Microwave R, D Kitchen Cabinets-Adequacy & Gond, D ~D D
Fireplace( s) Nnnp # Adequacy - Intercom T Compatibility to Neighborhood D C!lD D
CAR STORAGE: Garage B Attached B Adequate 0 House Entry 0 Appeal & Marketability D C!lD D
.
No. Cars None Carport Detached Inadequate 0 Outside Entry D Estimated Remaining Economic Life 30 Yrs.
Condition None n Built-In n Electric Door n Basement Entry n Estimated Remaining Physical Life 30 Yrs,
I Addmo",' featu"s: Enclosed front EOrch , unheated back en try , p~rtiallY finished walk-up attic, porch/III
deck at rear and west side entrances.
Depreciation (Physical, functional and external inadequacies, repairs needed, modernization, etc.): *See the attached Addendum.
i General market conditions and prevalence and impact in subject/market area regarding loan discounts, interest buydowns and concessions: Generall y. no
~usual sales or financiu. incentives prevail in the subiect market area which would have an
lntluence on the sales prices of comparable properties. The market is active.
. I
~cription & Analysis UNIFORM RESIDENTIAL APPRAISAL REPORT File No.
I
I
Freddie Mac !"arm 70' 10/86 12Ch,
Forms and Worms Inc.,'" 315 Whitney Ave., New Haven. CT 06511 1(800) 243-4545
Fannie Mae Form 1004 10/8
.,r
.~,~. . ~ori~~:',~..:,.;'..;:..'""...: UNifORM RESIDENTIAL APP.RAI~A" n...r -.. ·
r ,t~l)I'a~alis to 'estimate Market Value as defined in the Certification & Statement 01 Limiting Conditions.
C~. SKETCH (SHOW GROSS LIVING AREA A~OVE G. RADE) "ESTIMATED REPRODUCTION COST-NEW. "..)~\O.IJ,M.... "P~,
....... ""'"__..,....... _.._ __"... _ 0 n' 50~ S F\ @ $ ..,' .4,."
If',.; . . .. .. .. . . .. .. .. . . .. . .. .. .. · · · .. .. we 'ng --- q.. . '" . .
...~e~ ..tt;a$~ ,bqi1.d1,ng ~t$, . . , . . . , . . 480 S~ Ft@$ 45
. Extras Decks
.........................
..3fJua~e .fQ.ot. compqtqti.ons:. .. .. . . . . . .. . .. Rear entr
.. 2.6 '.6". ~ 1.91. ~ 1 =; .5U3 .s~. .ft.... . . .. . . . .,' Special Energy Efficient Items =
. 1.6', ,J<; 3,Q'. J<; 1." .480 .s~. .ft;. , , . . . . . . '. _.Palios..... Enclosed porch
. .. . . . . . GLA. =. .983 .sq. .ft... .'" . . . . .. Garage/Carport Sq. Ft @ $ =
, . . . . . . , . . . . , , , . . . , . . . . ., Total Estimated Cost New ..... .................. - $
. . . . . . . . . . . . . .. .. .. " .. . . . .. . .. . Physical Functional External
. .. . . .. . . . .. .. . .. . . . .. . .. . . . . . . .
.. .. . . . ~ . .. . .. . .. . . . .. .. .. . . ~ .. .. . .
. . . .. . . . .. . . . . . . . . .. .. . . . .. . . ..
. . . .. . . .. .. .. . . . . . . . . . .. . . .. . .. .
~
. .. . . . .. . . . .. . . .. .. .. .. . . .. .. .. .. .. . .
. .. .. .. .. . . . . .. .. . . ... .. .. ~ '. .'. . .. .. ..
Less
Depreciation
Depreciated Value of Improvements .............. = $
Site Imp. "as is" (driveway, landscaping, etc.) = $
ESTIMATED SITE VALUE .......,................ = $
(If leasehold, show only leasehold value.)
INDICATED VALUE BY COST APPROACH
Construction Warranty Yes
Name of Warranty Program
Warranty. cov~rageExpires
(Not Required by Freddie Mac and Fannie Mae)., '. . . '. .' '.' . ·
Does property conform to applicable HUD/VA propertY stBOdards?~: .'0 Yes I,D No
'.' ..' .: 'd'~
II No, explain: ' .. l' .. . ,
: ,<.~,:,:': ,~
ITEM SUBJECT
1012 Harney Ave.
$40.06
Multi-List
+ (-)$ Adjustment DESCRIPTION
+ (_) $ Adjustment
Address
Proximity to Subject
Sales Price'
Price/Gross Liv. Area
Data Source Ins ec tion
VALUE ADJUSTMENTS
Sales or Financing
Concessions
Date of Sale/Time
Location
Site/View
Design and Appeal
Quality of Construction
Age
Condition
Above Grade
Room Count
Gross Living Area
. Basement & Finished
Rooms Below Grade
:functional Utility
Heating/Cooling
Garage / Carport
Porches, Patio,
Pools, etc.
Special Energy
Efficient Items
Fireplace(s)
Other (e.g. kitchen
equip.. remodeling)
Net Adj. (total)
Indicated Value
of Subject
qomments on Sales Comparison:
3 000 500
, 4000 , 4 000-
,- ,- -
Baths , Total I Bdrms I Baths I
4' 2' 1
3 500 624 Sq. Ft. \+ 3 500 ' ~
I I
1 1
, 2 000 .1 2 000
\+ 1+
1 500
I 3 000 , 2000
,- ,-
\+ 500 :+ 500
, 500 , 500
,+ ,+
l1IDICAm TALOE81 SALES CdPIIIISOI....- ...,,,.. ....... .......... ..... ................. ".......:................. ............. $ ,-4, SOO
IID1CATED VAlUE 81 .RCDIIE Al'l'RIlACII (0 AppDcable) Estima\ell Mart<el Ren' $ N I A · 1M" Gross nen' ~uIU~" II I~ - $ NI A
This appraisal Is roade 0 'as Is' [i\ sub~ct to the repatos. a1teoations. inspectionS or conditions listed below 0 com,leD... per ,Ians and s,dca-.
Comments and Conditions of Appraisal: See'the attached<Addendum
Final Reconciliation: = Most weight is given to the value estimate derived from the Sales Comparl son
A ro~. .
This applaIsaI is based upon !he above requi"-s. the certification. contIngen' and Omitlng conditions. and Ma"'" \lalue dennltion that are stated in
o FmHA, HUD &/or VA instructions.
IX1 f<edd~ Mac _ 439 (Reu. 7/86)/-~ Mae _ 1004B (Reu. 7/86) U"" whh client t9 [i] a_.
I IWE) ESTlMA.. THE .ARIET VALUE. A' DEfI.E8. Of THE SUBJECT PR"'BTT AS Of Oc ~o ber 23 "93-. to" $ 24,000
. . (\\1>) eellily: that to the beSt 01 <OJ (0Ul) _ge and""" the lacts and dala used here. are uue and ""ec~ that I (we) personally inspected !he .,bject ~"erty. bod
. inside and out. and~~e made an ""'rio' _n.' all com".,ab~ _ cited In this repor~ and that I (we) haw n. and.closed ..eres'. "''''''. or prospective therein
APPRAISER(S) . . C'\ ~ _ . REVIEW APPRAISER
. . ~ . ,~ ,,""...., _ . 0 Did 0 Illd Noi
Ronald W. Leeman ..... In.pe,f1'ql!flY:
" .). ,: ~', ~..
0" ~ ,""0 ~~~,,~,~"!t~clT~ ",... 315 Whho., ."". N_ H.~". CT ,.," 1<8001243.4'" ,..... II "CO. ',"01'.... ""...;I~,.f9I!l
___ ...,,'''cc.~~;.:_'.~:':~i~~;,;:;:;:'~~'~'=;~~;;;:;..~;;;.z~-;<"-;;','~,;:,.;'~;,~~':,::1
0,"//
.' /
~
PHOTOGRAPH ADDENDUM
Borrower I Client Kei th W. Taggart
Property Address 1012 Harney Ave.
City Oshkosh County Winnebago . State
Lender Valley First National Bank, Fond duLac, WI
o AODITlONAl PHOTOGRAPHS ON REVERSE SlOE
FW 90A
WI
Zip Code 54901
FRONT OF
SUBJECT PROPERTY
REAR OF
SUBJECT PROPERTY
..
STREET SCENE
CI984 Forms and Worms""nc 315 WhItney Ave New Haven. Cl. 06511 All Rights Reserved 1 (BOO) 243-4545
Item 1t113300
PO 90
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