HomeMy Public PortalAbout1997.07.07 Land Appraisal Reportt>I Borrower N/A
Property Address
!,11 City
Legal Description
G
Sale Price $
Actual Real Estate
Lender/Client
Occupant
Location
Built Up
Growth Rate
Property Values
Demand/Supply
Marketing Time
Present Land Use
Harper Appraisal Service
LAND APPRAISAL REPORT File No. M970622
Census Tract N/A Map Reference McCall
See Comment Addendum
McCall County Valley state ID zip Code 83638
See Comment Addendum
N/A Date of Sale N/A Loan Term N/A yrs. Property Rights Appraised 1 X j Fee Leasehold De Minimis PUD
Taxes $ N/A (yr) Loan Charges to be paid by seller $ N/A Other Sales Concessions N/A
Northwest Mountain Mission, Inc. Address Box 862 McCall, Idaho 83638
Vacant Appraiser Carol Lungren Instructions to Appraiser N/A
Urban
Over 75%
Fully Dev. ul Rapid
Increasing
Shortage
77 Under 3 Mos,
20 %1 Family 5 %2-4 Family
25 %Industrial)20 % Vacant
hange In Present Land Use Not Likely 1 Likely(")
X
X
LI
X
X
Suburban
25% to 75%
Steady
Stable
In Balance
D 4-6 Mos.
° Apts
00
(•) From Residential
Tenant
Predominate Occupancy X Owner
litzSingle Family Price Range $ 80 to $
.Single Family Age 60 yrs to 1 yrs. Predominant Age 20 yrs
0._
Comments including those factors, favorable or unfavorable, affecting marketability (e.g. public parks, schools, view, noise): See Comment Addendum
5 % Condo
X
Rural
Under 25%
Slow
Declining
Oversupply
Over 6 Mos.
25 % Commercial
Taking Place (")
To Road access
5 % Vacant
250 Predominant Value $ 150
Employment Stability
Convenience to Employment
Convenience to Shopping
Convenience to Schools
Adequacy of Public Transportation
Recreational Facilities
Adequacy of Utilities
Property of Compatibility
Protection from Detrimental Conditions
Police and Fire Protection
General Apprerance of Properties
Appeal to Market
Good Avg. Fair Poor
X
LI
X
X
X
X
X
X
X
X
X
IX
Dimensions See Site Map for Area Calculation
Zoning Classification Residential -B
Highest and best use
Public Other (Describe)
Elec.
LGas
:k Water
TL San. Sewer
X Present use )Other (specify)
OFF SITE IMPROVEMENTS
Street Access l X 1 Public Private
Surface
X
X
X
I Underground Elect. & Tel.
Maintenance
1 1 Storm Sewer
F-7
Gravel
Lx1
Public
Topo
Size
Shape
Private View
Drainage
Curb/Gutter
Street Lights
3 acres Sq. Ft. or Acres
Present Improvements X do
Corner Lot
do not conform to zoning regulations
Level to sloping E To W
Larger than aveage
Irregular
Mountains &Trees
Adequate
Is the property located In a HUD Identified Special Flood Hazard Area? X
Comments (favorable or unfavorable including any apparent adverse easements, encroachments or other adverse conditions): None Noted
No
Yes
The undersigned has recited three recent sales of properties most similar and proximate to subject and has considered these in the market analysis. The description includes
.a dollar adjustment reflecting market reaction to those items of significant variation between the subject and comparable properties. If a significant item in the comparable
property is superior to or more favorable than the subject property, a minus (-) adjustment is made thus reducing the indicated value of subject; if a significant item in the
comparable is inferior to or less favorable than the subject property, a plus (+) adjustment is made thus increasing the indicated value of the subject.
A.
SUBJECT PROPERTY
Address See Comment Addendum
McCaII
..............................................
$
N/A
Proximity to Subject
Sales Price
Price
Data Source
Date of Sale and
Time Adjustment
Location
SiteNiew
Site Size
Zoning
Insp/Engineer
DESCRIPTION
N/A
Avg
Avg+/Mts & River
3 ac
Residential
COMPARABLE NO 1
1125 Meadows Road
McCall
2.25 Miles NE
<<:< $ 70,000
$
MLS/Realtor
DESCRIPTION +(-1$
Adiustment
6/96
Avg -
Avg/ Mts & Meadov
3.54 ac
Residential
Sales or Financing N/A Trade
Concessions
NetAdj.(Total) »' ' X 1 Plus
Indicated Value Net= 35%
of Subject >> Gross= 350/
Comments on Market Data SEECOMENTADDENDUM:
IMinusI $
COMPARABLE NO 2
Industrial Loop
McCall
1 Mile West
$ 75,000
Assessors rec/Owner
+(-)$
DESCRIPTION
9/96
+10,500 Avg -
+14,000 Avg- / Mts & Valley
3 ac
Industrial
Owner carry
+24,500 X IPlus
Net= 20%
Minus
$ +94,500 Gross= 60%
+11,300
+19,000
-15,000
COMPARABLE NO 3
NW Corner Deinhard &Thula
McCall
1/4 Mile East
$ 210,000
Files /City Records
DESCRIPTION Adi+( )$
ustment
4/97
Avg+
Avg / Mts & Bldg
1.9 ac +31,500
Commercial -42,000
-42,000.
Cash
$ +15,3001 Plus X j Minus
Net= -25%
$ +90,300
Gross= 55%
$ -52,500
$ +157,50
Comments and Conditions of Appraisal: Lack of rental data makes the income approach unreliable. Report and effective dates are the
same.
Final Reconciliation: The Sales Comparison Approach is considered the most reliable indicator of value. All of the comparables are
f►i
weighted in the final opinion, with the most probable value some where near the midpoint of the range.
A
I ESTIMATE THE MARKET LUF�AS D' NED, :UBJECT PROPERTY AS OF July 7 19 97 to be $ 115,000
Appraiser(s)
��jj', Review Appraiser (if applicable) �ir��7,Ron Harper
Caro Lu n X Did Did Not Physically Inspect Property
MacAppraiser" Real Estate Appraisal Software by Bradford and Robbins (800) 622-8727.
M
A
EXTRA SALES 4-5-6 ADDENDUM File No. M970622
Borrower N/A
Property Address See Comment Addendum
City McCall County Valley
Lender/Client Northwest Mountain Mission, Inc. Address
State
ID Zip Code 83638
Box 862 McCall, Idaho 83638
The undersigned has recited three recent sales of properties most similar and proximate to subject and has considered these in the market analysis. The description includes
a dollar adjustment reflecting market reaction to those items of significant variation between the subject and comparable properties. If a significant item in the comparable
property is superior to or more favorable than the subject property, a minus (-) adjustment is made thus reducing the indicated value of subject; if a significant item in the
comparable is inferior to or less favorable than the subject property, a plus (+) adjustment is made thus increasing the indicated value of the subject.
Address
43 Proximity to Subject
Sales Price
Price
Data Source
T. Date of Sale and
Time Adjustment
Location
A SiteNiew
Site Size
Zoning
SUBJECT PROPERTY
See Comment Addendum
McCall
Sales or Financing
Concessions
Net Adj.(Total)
I :Y
Indicated Value
of Subject
Comments on Market Data
$
N/A
Insp/Engineer
DESCRIPTION
N/A
Avg
Avg+/Mts & River
3 ac
Residential
N/A
COMPARABLE NO.4
14234 Adams Circle
McCall
3 Miles SE
87,500
DESCRIPTION
6/96
Avg-
Avq+/Mts & Creek
1.14 ac
Residential
Cash
+(-)S
AdiuStment
+13,100
+17,500
X I Plus (Minus $ 30,600
Net= 35%
rocs= 35% ` $ 118,100
COMPARABLE NO.5
$
COMPARABLE NO.6
DESCRIPTION Adjustment DESCRIPTION
Plus 1 J Minus $ 0Plus
Net= 0%
Gross= 0% ' $
MacAppraiser"' Real Estate Appraisal Software by Bradford and Robbins (800) 622-8727.
Net= 0%
0 Gross= 0%
Minus $
+(-)S
Adiustment
COMMENT ADDENDUM
File No. M970622
Borrower N/A
Property Address See Comment Addendum
City McCall County Valley State ID Zip Code 83638
Lender/Client Address
PURPOSE OF APPRAISAL:
The purpose of this appraisal is to estimate the market value of the subject
described in this report.
HIGHEST AND BEST USE ANALYSES:
Definition of Highest and Best Use
Highest and best use may be defined as, the reasonably probable and legal use of
vacant land or an improved property, which is physically possible, appropriately
supported, financially feasible, and that results in the highest value.
The highest and best use of a specific parcel of land is not determined through
subjective analysis by the property owner, the developer, or the appraiser: rather,
highest and best use is shaped by the competitive forces within the market where the
property is located. Therefore, the analysis and interpretation of highest and best use
is an economic study of market forces focused on the subject property.
Market forces also shape market value. The general data that are collected and
analyzed to estimate property value are also used by the appraiser to formulate an
opinion of the property's highest and best use as of the appraisal date. In all
valuation assignments, value estimates are based on use. The highest and best use
of property to be appraised provides the foundation for a thorough investigation of
the competitive positions of market participants. Consequently, highest and best use
can be described as the foundation of which market value rests.
THE APPRAISAL OF REAL ESTATE:
10th Addition, Pg 275-6
Subject located in an area zoned residential and is immediately surrounded on all
side by properties so zoned. While the owner is proposing a logical sale to the City of
McCall for use as an extension of the realignment of Dienhard Lane, it is not located
on a main throughfare at the time of this report and is appraised considering current
conditions and market indications. Relying on market data available and observation
of commercial and industrial development in the area it is my opinion that the subject
is not a likely or necessary location for commercial or industrial development at this
time. Therefor the highest and best use of the subject appears to be residential.
AREA AND CITY DATA:
Valley County is located in the west central mountains of Idaho. It ranks thirty-third in
population (pop. 7636) and fifth in area. It is nearly 88% federally owned and almost
56 square miles is water. A large glaciated valley is a primary feature in which the
majority of the population resides. The economy of the county is based on tourism,
agriculture, mining, the timber industry and recreation. Tourism and recreation are
the greatest economic influences in the McCall area. Many of the home owners are
from out of the area and use their homes on weekends and during the summer
months. The area offers year around recreational opportunities. Brundage Mountain
Ski Resort provides both downhill and snow cat skiing. Snowmobiling and cross
country skiing trails are nearby. Summer recreation include boating and fishing on
the Payette Lakes and there are three golf courses in the area. McCall (pop. 2405) is
located approximately 104 miles north of Boise, the state capital of Idaho, along state
Hwy 55. The town sits on the southern end of the largest of three Payette Lakes. The
MacAppraiser" Real Estate Appraisal Software by Bradford and Robbins (800) 622-8727.
Page 1 of 3
COMMENT ADDENDUM File No. M970622
Borrower N/A
Property Address See Comment Addendum
City McCall County Valley State ID Zip Code 83638
Lender/Client Address
city is service center for the communities of Donnelly, Lake Fork, New Meadows and
the vacation homes located around the perimeter of the lake.
NEIGHBORHOOD COMMENTS:
The subject is located within the city limits of McCall, south of the central business
district. The closest major cross streets to the subject are Mission Street and
Dienhard Lane. The general neighborhood boundaries are considered to be south
from Payette Lake to include the McCall airport, east to the developed areas along
Samson Trail and west to Boydstun Street. The immediate vicinity of the subject
property consists of three zoning classes, residential, commercial and industrial. The
McCall Airport is located approximately 1/4 mile to the southwest of the subject and
south of Dienhard Lane. The Airport industrial area extends south along Mission
Street. Businesses along Dienhard Lane are a mix of retail outlets, restaurants and
offices. The area to the north is mostly single family residential with some
condominiums and apartments. Commercial development along arterial roads is
normal within the city which is typical of small towns throughout the area.
COMMENTS ON SUBJECT:
Subject property consists of a corridor running east and west 80 ft wide and
approximately 830 ft long (1.53 ac) and cut and fill slopes totaling 1.47 ac. Total
acreage of subject is three acres. The western end of subject intersects with an
existing utility right-of-way and the Payette River. Subject's river frontage is
approximately 40 ft. North end of subject is approximately 620 ft west of Mission
Street and 200 ft north of the existing utility right-of-way. The east end of subject is
relatively level and timbered. The west end is also timbered and slopes to the river
with the north and south edges of the subject property generally sloping to the
center. The subject property running to the river frontage narrows to approximately
15 ft at one point as it intersects with the existing right -a -way. Subject has river
access but does not offer a desirable river frontage building site.
At the time of this report subject property is a proposed split of, Parcel B, Part of Gov't
Lot 5, McCall Acreage, S17 T18N R3E. There is no written legal description or
physical address assigned to the subject at this time. Subject is currently owned by
Northwest Mountain Mission, they are a tax exempt religious organization and
consequently no property taxes are assessed.
COMMENTS ON COMPARABLE SALES:
The subject location indicates the use of comparable's of mixed uses and zoning
classifications. Close proximity to McCall's expanding airport and the industrial
complex is anticipated to influence growth trends in the subjects neighborhood at
some point in the future. The comparables used are the most recent sales found with
any similarity to the subject notwithstanding zoning.
The limited number of sales generated in the smaller McCall market area necessitate
the use of comparables with a wider range of site size, values and zoning
classifications than would normally be preferred. Market data indicates little to no
change in commercial sales in general from late 1993 to present. This is due in part
to the large number of vacant sites available for development in the market. Sales
with highway frontage on state Hwy 55 have shown some increase, 10% is probably
close. There appears to be no difference noted for zoning classifications between
industrial and commercial uses in this location due to similar property use regardless
of zoning.
Comparable #1 is located west of Warren Wagon Road approximately 2 miles
northwest of the center of the city of McCall. The sales value allowed in the trade
MacAppraiserT" Real Estate Appraisal Software by Bradford and Robbins (800) 622-8727. Page 2 of 3
COMMENT ADDENDUM
File No. M970622
Borrower N/A
Property Address See Comment Addendum
City McCall County Valley State ID zip Code 83638
Lender/Client Address
transaction was varified through the broker. Site is a slightly sloping (west to east)
timbered area running in to an open meadow. Its probable that the meadow area
could not be used as a building site because of a high water table. Comparable's
neighborhood is less developed and further from the population center and services.
Market data indicates site location is considered inferior to the subject and it is
adjusted at 15%. Comp does not have river access or view, although the subjects
river frontage is somewhat limited, it does offer access and a view. An adjustment of
20% is made for comps overall inferior site and view. As a portion of the
comparables site is not usable for building, no adjustment is made for the larger size.
Comparable #2 is located across the Payette River from the subject in an industrial
zoned area. Consideration for comparable's less accessible location and the
probability of slower development in that area substantiates an adjustment of 15%.
The buyer of this comp owns the property adjacent to the north. That property is
improved with shop buildings for a heavy equipment business. The comparable
property benches off quickly to a lower, swampy area that was not usable at the time
of sale as a building site. The owner is using his own equipment to haul a substantial
amount of fill to the area at this time. This factor and the lack of river access or view
indicate site is inferior to the subject. There are no paired sales available for
comparisons of these features but market data indicates an adjustment of 25% is
appropriate. The comparable property zoning is industrial. Because of the income
and development potential anticipated, some adjustment is indicated. Location and
abundance of sites available for development influence the value of these factors, an
adjustment of 20% appears adequate.
Comparable #3 is located east of the subject on Dienhard Lane, directly north of the
McCall airport. This site was recently purchased by the City of McCall for the purpose
of realigning Dienhard Lane.The current location of the road, from Thula Street west
to Mission Street does not conform to FAA requirements for Object Free Area of the
Approach Zone. The close proximity of this recent sale to the subject and the fact that
it was acquired for the same purpose as the subject's proposed sale necessitates its
use as a comparable and lends equal weight in the final opinion. This comparables
location is more accessible and has highway frontage. It is considered superior to
the subject and is adjusted at 20%. Based on market data available an adjustment
of 15 % is made for comparables smaller site size. Adjustment for comp commercial
zoning is made with the knowledge of building restrictions as a result of the proximity
to the airport runway. An adjustment of 20 % is made for the comparables
commercial zoning.
Comparable #4 is located southeast of the city limits of McCall in the residential
subdivision of Lake Fork Estates. Site is a level timbered area with good creek
frontage. This comparable is used as an indication of value for aesthetically pleasing
building sites with river frontage. Location is adjusted as in comp #1. Comparables
site size is smaller than the subject and while there is not enough date available to
extract an exact grid considering all features, an adjustment of 20% is indicated .
MacAppraiser" Real Estate Appraisal Software by Bradford and Robbins (800) 622-8727. Page 3 of 3
DEFINITION OF MARKET VALUE: The most probable price which a property should bring in a competitive and
open market under all conditions requisite to a fair sale, the buyer and seller, each acting prudently, knowledgeably and
assuming the price is not affected by undue stimulus. Implicit in this definition is the consummation of a sale as of a
specified date and the passing of title from seller to buyer under conditions whereby: (1) buyer and seller are typically
motivated; (2) both parties are well informed or well advised, and each acting in what he considers his own best interest;
(3) a reasonable time is allowed for exposure in the open market; (4) payment is made in terms of cash in U. S. dollars
or in terms of financial arrangements comparable thereto; and (5) the price represents the normal consideration for the
property sold unaffected by special or creative financing or sales concessions* granted by anyone associated with the sale.
*Adjustments to the comparables must be made for special or creative financing or sales concessions. No adjustments
are necessary for those costs which are normally paid by sellers as a result of tradition or law in a market; these costs
are readily identifiable since the seller pays these costs in virtually all sales transactions. Special or creative financing
adjustments can be made to the comparable property by comparisons to financing terms offered by a third party
institutional lender that is not already involved in the property or transaction. Any adjustment should not be calculated
on a mechanical dollar for dollar cost of the financing or concession but the dollar amount of any adjustment should
approximate the market's reaction to the financing or concessions based on the appraiser's judgment.
STATEMENT OF LIMITING CONDITIONS AND APPRAISER'S CERTIFICATION
CONTINGENT AND LIMITING CONDITIONS: The appraiser's certification that appears in the appraisal report is
subject to the following conditions:
1. The appraiser will not be responsible for matters of a legal nature that affect either the property being appraised or
the title to it. The appraiser assumes that the title is good and marketable and, therefore, will not render any opinions
about the title. The property is appraised on the basis of it being under responsible ownership.
2. The appraiser has provided a sketch in the appraisal report to show approximate dimensions of the improvements
and the sketch is included only to assist the reader of the report in visualizing the property and understanding the
appraiser's determination of its size.
3. The appraiser has examined the available flood maps that are provided by the Federal Emergency Management Agency
(or other data sources) and has noted in the appraisal report whether the subject site is located in an identified Special
Flood Hazard Area. Because the appraiser is not a surveyor, he or she makes no guarantees, express or implied, regarding
this determination.
4. The appraiser will not give testimony or appear in court because he or she made an appraisal of the property in question,
unless specific arrangements to do so have been made beforehand.
5. The appraiser has estimated the value of the land in the cost approach at its highest and best use and the improvements
at their contributory value. These separate valuations of the land and improvements must not be used in conjunction with
any other appraisal and are invalid if they are so used.
6. The appraiser has noted in the appraisal report any adverse conditions (such as, needed repairs, depreciation, the presence
of hazard wastes, toxic substances, etc.) observed during the inspection of the subject property or that he or she became
aware of during the normal research involved in performing the appraisal. Unless otherwise stated in the appraisal report,
the appraiser has no knowledge of any hidden or unapparent conditions of the property or adverse environmental conditions
(including the presence of hazardous wastes, toxic substances, etc.) that would make the property more or less valuable,
and has assumed that there are no such conditions and makes no guarantees or warranties, express or implied, regarding
the condition of the property. The appraiser will not be responsible for any such conditions that do exist or for any
engineering or testing that might be required to discover whether such conditions exist. Because the appraiser is not an expert
in the field of environmental hazards, the appraisal report must not be considered as an environmental assessment of
the property.
7. The appraiser obtained the information, estimates, and opinions that were expressed in the appraisal report from sources
that he or she considers to be reliable and believes them to be true and correct. The appraiser does not assume responsibility
for the accuracy of such items that were furnished by other parties.
8. The appraiser will not disclose the contents of the appraisal report except as provided for in the Uniform Standards of
Professional Appraisal Practice.
9. The appraiser has based his or her appraisal report and valuation conclusion for an appraisal that is subject to satisfactory
completion, repairs, or alterations on the assumption that completion of the improvements will be performed in a
workmanlike manner.
10. The appraiser must provide his or her prior written consent before the lender/client specified in the appraisal report
can distribute the appraisal report (including conclusions about the property value, the appraiser's identity and professional
designations, and references to any professional appraisal organizations or the firm with which the appraiser is associated)
to anyone other than the borrower; the mortgagee or its successors and assigns; the mortgage insurer; consultants;
professional appraisal organizations; any state or federally approved financial institution; or any department, agency,
or instrumentality of the United States or any state or the District of Columbia; except that the lender/client may distribute
the property description section of the report only to data collection or reporting service(s) without having to obtain the
appraiser's prior written consent. The appraiser's written consent and approval must also be obtained before the appraisal
can be conveyed by anyone to the public through advertising, public relations, news, sales, or other media.
Freddie Mac Form 439 (6-93) MacAppraiser" Real Estate Appraisal Software by Bradford and Robbins (800) 622-8727. Fannie Mae Form 1004B (6-93)
APPRAISER'S CERTIFICATION: The Appraiser certifies and agrees that:
1. I have researched the subject market area and have selected a minimum of three recent sales of properties most similar
and proximate to the subject property for consideration in the sales comparison analysis and have made a dollar adjustment
when appropriate to reflect the market reaction to those items of significant variation. If a significant item in a comparable
property is superior to, or more favorable than, the subject property, I have made a negative adjustment to reduce the
adjusted sales price of the comparable and, if a significant item in a comparable property is inferior to, or less favorable
than the subject property, I have made a positive adjustment to increase the adjusted sales price of the comparable.
2. I have taken into consideration the factors that have an impact on value in my development of the estimate of market
value in the appraisal report. I have not knowingly withheld any significant information from the appraisal report and I
believe, to the best of my knowledge, that all statements and information in the appraisal report are true and correct.
3. I stated in the appraisal report only my own personal, unbiased, and professional analysis, opinions, and conclusions,
which are subject only to the contingent and limiting conditions specified in this form.
4. I have no present or prospective interest in the property that is the subject to this report, and I have no present or
prospective personal interest or bias with respect to the participants in the transaction. I did not base, either partially or
completely, my analysis and/or the estimate of market value in the appraisal report on the race, color, religion, sex,
handicap, familial status, or national origin of either the prospective owners or occupants of the subject property or of the
present owners or occupants of the properties in the vicinity of the subject property.
5. I have no present or contemplated future interest in the subject property, and neither my current or future employment
nor my compensation for performing this appraisal is contingent on the appraised value of the property.
6. I was not required to report a predetermined value or direction in value that favors the cause of the client or any
related party, the amount of the value estimate, the attainment of a specific result, or the occurrence of a subsequent event
in order to receive my compensation and/or employment for performing the appraisal. I did not base the appraisal report
on a requested minimum valuation, a specific valuation, or the need to approve a specific mortgage loan.
7. I performed this appraisal in conformity with the Uniform Standards of Professional Appraisal Practice that were
adopted and promulgated by the Appraisal Standards Board of The Appraisal Foundation and that were in place as of the
effective date of this appraisal, with the exception of the departure provision of those Standards, which does not apply.
I acknowledge that an estimate of a reasonable time for exposure in the open market is a condition in the definition of
market value and the estimate I developed is consistent with the marketing time noted in the neighborhood section of this
report, unless I have otherwise stated in the reconciliation section.
S. I have personally inspected the interior and exterior areas of the subject property and the exterior of all properties
listed as comparables in the appraisal report. I further certify that I have noted any apparent or known adverse conditions
in the subject improvements, on the subject site, or on any site within the immediate vicinity of the subject property of
which I am aware and have made adjustments for these adverse conditions in my analysis of the property value to the
extent that I had market evidence to support them. I have also commented about the effect of the adverse conditions on
the marketability of the subject property.
9. I personally prepared all conclusions and opinions about the real estate that were set forth in the appraisal report. If I
relied on significant professional assistance from any individual or individuals in the performance of the appraisal or the
preparation of the appraisal report, I have named such individual(s) and disclosed the specific tasks performed by them
in the reconciliation section of this appraisal report. I certify that any individual so named is qualified to perform the tasks.
I have not authorized anyone to make a change to any item in the report; therefore, if an unauthorized change is made to the
appraisal report, I will take no responsibility for it.
SUPERVISORY APPRAISER'S CERTIFICATION: If a supervisory appraiser signed the appraiser report, he or she
certifies and agrees that: I directly supervise the appraiser who prepared the appraisal report, have reviewed the appraisal
report, agree with the statements and conclusions of the appraiser, agree to be bound by the appraiser's certifications
numbered 4 through 7 above, and am taking full responsibility for the appraisal and the appraisal report.
ADDRESS OF PROPERTY APPRAISED:
See Comment Addendum; McCaII, ID 83638
APPRAISER: SUPERVISORY APPRAISER (only if required)
Signature: />�/` l�i /%��{ Signature: 120'1
Name: Cro Lun n Name: Ron arper
Date Signed: Date Signed:
State Certificate n #: State Certification #:
or State License #: or State License #:
State: State: ID
Expiration Date of Certification or License: Expiration Date of Certification or License: 6/30/98
X I Did 1 Did Not Inspect Property
CAR -38
Freddie Mac Form 439 6-93
MacAppraiser" Real Estate Appraisal Software by Bradford and Robbins (800) 622-8727.
Farftdg Mae Form 1004B 6-93
20
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