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Home My Public Portal About12-0148 Carls_1of3Rona INTERNATIONAL CODE COUNCIL 'ciV Permit No. { City of 1,-. ee Island • Community Develop►..ent Dept. Inspection Report 403 Butler Ave. • P.O. Box 2749 • Tybee Island, GA 31328 Phone 912.786.4573 ext. 114 • Fax 912.786.9539 Q-014g Date Requested `f " 30-12- Owner's Name Crb/ W ;de I I Date Needed 5 -/-1 Z Gen. Contractor VJ ■ T( 0 Subcontractor Contact Information V h n 1 13 ? So 2 MEMBER Project Address 63 S r h o-4 a IM A v e• Scope of Work Inspector / % gl Date of Inspection 'Q: / v Inspection r?J n,�" 1'rO Pass Fai . Fee U x-4-3 r Gt 8s21 / re r- o D,C in t 2) Inspection Pass ❑ Fail ❑ Fee Inspection Pass El Fail El Fee Inspection Pass ❑ Fail ❑ Fee (M1 � lfi City of Ty,..ee Island Community Developn.__it Dept. Inspection Report 403 Butler Ave. • P.O. Box 2749 • Tybee Island, GA 31328 Phone 912.786.4573 ext. 114 • Fax 912.786.9539 AIM Merarsi INTERNATIONAL CODE COUNCIL' MEMBER Permit No. , Date Requested Owner's Name k1, . 1,J / Date Needed Gen. Contractor /, -A:-.J Subcontractor Contact Information j/1/=/;J -7/ , L., Project Address / / Scope of Work -`f° r �-,1 I, Inspector Date of Inspection Inspection --ass ❑ Fail ❑ Fee Inspection eN,3 Pass ❑ Fail ® Fee Vie' Inspection Pass El Fail Fee Inspection / ( Pass Fail Fee Permit No. City of 11,,Jee Island • Community Develop►..ent Dept. Inspection Report 403 Butler Ave. • P.O. Box 2749 • Tybee Island, GA 31328 Phone 912.786.4573 ext. 114 Fax 912.786.9539 /j --,_i/(71‘.-) Date Requested /fif Owner's Name //S ----U6 -7 Date Needed / -- Gen. Contractor / lr, 1/(L J Subcontractor Contact Information -7/ ✓ 1 ILC I TER`EATIDHA! CODE COONClt MEMBER Project Address / Scope of Work Inspector 'f ` Date of Inspection I,> Inspection //VI> - Pass � 1I,% Fee JS5% Inspection Pass ❑ Fail ❑ Fee Inspection Pass Fail CI Fee Inspection Pass ❑ Fail ❑ Fee City of 1 ae Island • Community Develop. _int Dept. Inspection Report 403 Butler Ave. • P.O. Box 2749 • Tybee Island, GA 31328 Phone 912.786.4573 ext. 114 • Fax 912.786.9539 111:43k 111111k111" INTERNATIONAL CODE COUNCIL MEMBER , Permit No. _ , , Date Requested . Owner's Name /-- - , ,,... , , Date Needed Gen. Contractor t)k-/ZiA) Subcontractor Contact information 2I - Project Address / .):-/ C-2t-)-hi)411/ oar/E., Scope of Work / Inspector ,, 'J Date of Inspection Inspection /-;:ril - Pass 3 F sitj Fee Inspection Pass El Fail Ej Fee Inspection Pass 0 Fail Fee Inspection Pass Fail Fee Permit No. City of T. .te Island • Community Develop►_ ,nt Dept. Inspection Report 403 Butler Ave. • P.O. Box 2749 • Tybee Island, GA 31328 Phone 912.786.4573 ext. 114 • Fax 912.786.953 Owner's Name issasilk INTERNATIONAL CODE COUNCIL MEMBER - ( . Date Requested Date Needed Gen. Contractor v ., Subcontractor Contact Information I �J %i ✓ , J 2, Project Address I )i,, i %' 0-+1 O,_ Scope of Work 1 }/ , J � , / / Inspector //:1 Date of Inspection �` 1 -.2 L �s Inspection -- - -- F'- .. 1.....i. Pass fail Fee Inspection i_ Inspection Inspection Pass J ❑ Fee Pass { fait' 1 Fee Pass Fa il C4-(-Id • ►.) A (, i%o r ; I ) ceL■)r 1 Fee _ENERGY STAR® Qualified in Highlighted Regions ENERGY STAR E03 Qualified MW Pro Classic Series '.1- NFRC t Double •.' PWG PWG -M -054 Vinyl Frame Glaze No Grilles Low-E Not Gas Filled National Fenestration Rating Council Casement CERTIFIED ENERGY PERFORMANCE RATINGS .32 U- Factor � 1.8 ■ 3 Solar Heat Gain Coefficient .25 (U.S. /I -P) (Metric /SI) ADDITIONAL PERFORMANCE RATINGS Visible Transmittance .47 Manufacturer stipulates that these ratings conform to applicable NFRC procedures for determining whole product performance. NFRC ratings are determined fora fixed set of environmental conditions and a specific product size. NFRC does not recommend any product and does not warrant the suitability of any product for any specific use. Consult manufacturer's literature for other product performance information. www.nfrc.org Structural Rating: DP + 50/ -50 Meets or exceeds ASTM E1300 2.5mm Annealed 2.5mm Annealed 3/4" OA IGU SO 2539206 2.000 City a .ybee Island • Community Deve► Anent Dept. Inspection Report 403 Butler Ave. • P.O. Box 2749 • Tybee Island, GA 31328 Phone 912.786.4573 ext. 114 • Fax 912.786.9539 Thn ink, INTERNATIONAL CODE COUNCIL MEMBER Permit No. 1-2- Di O Date Requested 3'22-H Owner's Name G1' S Date Needed Gen. Contractor 1 O1/4-0 1 De■S �� Subcontractor Contact Information Project Address Scope of Work Inspector it D9 atn A4-kaer` Ave. 5-1- 3 rc r 03-C/ c� Date of Inspection % /7 /71./ /nspection Pass 7-0V,^ w i1 -�a ke.. �1-� cS j.G ;Tea' 50 y S 4,3 prD ct Fee -Ca re T 'S) Inspection Pass ❑ Fail ❑ Fee Inspection Pass Fail U Fee Inspection Pass ❑ Fail ❑ Fee DATE ISSUED: 03 -14 -2012 WORK DESCRIPTION WORK LOCATION CITY OF TYBEE ISLAND BUILDING PERMIT STORAGEBATH/REROO F/FENCE 1509 CHATHAM OWNER NAME GARRY L. CARLS TRUST ADDRESS PO BOX 2448 CITY, ST, ZIP TYBEE ISLAND GA 31328 -2448 PHONE NUMBER CONTRACTOR NAME WHITLOW CONSTRUCTION CO INC ADDRESS 142 DRUID CIRCLE CITY STATE ZIP SAVANNAH GA 31410 FLOOD ZONE BUILDING VALUATION SQUARE FOOTAGE OCCUPANCY TYPE TOTAL FEES CHARGED PROPERTY IDENTIFICATION # 493 P $ 683.00 PROJECT VALUATION $49,000.00 PERMIT #: 120148 TOTAL BALANCE DUE: $ 683.00 It is understood that if this permit is granted the builder will at all times comply with the zoning, subdivision, flood control, building, fire, soil and sedimentation, wetlands, marshlands protection and shore protection ordinances and codes whether local, state or federal, including all environmental laws and regulations when applicable, subsequent owners should be informed that any alterations to the property must be approved by the issuance of another building permit. Permit holder agrees to hold the City of Tybee Island harmless on any construction covered by this permit. This permit must be posted in a conspicuous location in the front of building and protected from the weather. If this permit is not posted work will be stopped. The building contractor will replace curb paving and gutter broken during construction. This permit will be voided unless work has begun within six months of the date of issuance. Signature of Building Inspector or Authorized Agent: P. 0. Box 2749 - 403 Butler Avenue, Tybee Island, Georgia 31328 (912) 786 -4573 - FAX (912) 786 -9539 www.cityoftybee.org I2`eo I4g CITY OF TYBEE ISLAND, GEORGIA APPLICATION FOR BUILDING PERMIT Location: ✓ 5 0 9 eH M ,41 NAME ADDRESS PIN # 4-0010 -03- 008 TELEPHONE Owner Y is% -9,5-2 ?tlt- TCgr4D si copL4y, ?It i &037 Architect or Engineer hey W . tI( Building Contractor Vi H triz W C t(STV-407 a,J Co. 14° 3-6r1 r. i M CaLEQ. €tvol So )16 19 (Check all that apply) ❑ Repair ❑ Renovation Minor Addition Substantial Addition ❑ Other vk1 Pri,1 , &A Residential Li Single Family ❑ Duplex ❑ Multi- Family ❑ Commercial / a,n Sq COO(Y Details of Project: lac( h,'1"!�► vG a ("'NV p V q �r� Add a': -/y r- a / . r p Estimated Cost of Construction: $ f , D O b M: drC. •:a 1,1 c 14-.0 -713 -gSo2 ❑ Footprint Changes ❑ Disco ery ❑ Demolition J4 313 _1385 Construction Type (1) Wood Frame (2) Wood & Masonry (3) Brick Veneer Proposed use: Remarks: wc- r2 r o o�- (0.., (Enter appropriate number) (4) Masonry (5) Steel & Masonry /4 K S S/4 o • - . — i + I i`�T (6) Other (pledse specify) (al reo.41_ in ` - 64-9o0oio ATTACH A COPY OF THE CERTIFIED ELEVATION SURVEY OF LOT and complete t following information based on the construction drawings and site plan: # Units / Lot Area # Off - street parking spaces Trees located & listed on site plan Access: Driveway (ft.) Setbacks: Front # Bedrooms # Bathrooms Living space (total sq. ft.) With culvert? Rear La- 4° 42:4- 353 -P4.1 With swale? Sides (L) (R) # Stories Height Vertical distance measured from the average adjacent grade of the building to the extreme high point of the building, exclusive of chimneys, heating units, ventilation ducts, air conditioning units, elevators, and similar appurtances. itII / , s'l k .2(: (4," C9„✓u+ Sara_ - 4-0 sa nom_. roO Ck10.Liif)x(aI.5)= �J.Z S 9r k During construction: On -site restroom facilities will be provided through On -site waste and debris containers will b provide Construction debris will be disposed by (iJre - by (,J J t°e 6 • � a t by means of , // a -(4- .:€f I understand that I must comply with zoning, flood damage control, building, fire, shore protections and wetlands ordinances, FEMA regulations and all applicable codes and regulations. I understand that the lot must be staked out and that the stakes will be inspected to ensure that the setback requirements are met. I understand also that a certified plot plan showing elevation must be attached to this application and that an as-built elevation certification is due as soon as the habitable floor level is established. Drainage: I realize that I must ensure the adequacy of drainage of this property so that surrounding property is in no way adversely affected. I accept responsibility for any corrective action that may be necessary to restore drainage impaired by this permitted construction. Date: Z °i 2- ' (% Signature of Applicant: Note: A permit normally takes 7 to 10 days to process. The following is to be completed by City personnel: Zoning certification Approved rezoning /variance? Street address and number: New Is it in compliance with City map? If not, has street name and/or number been reported to MPC? FEMA Certification attached State Energy Code Affidavit attached Utilities and Public Works: Describe any unusual finding(s) NFIP Flood Zone Existing Access to building site Distance to water main tap site Distance to sewer stub site Water meter size Storm drainage Approvals: Signature Date Zoning Administrator Code Enforcement Officer Water /Sewer Stoim/Drainage Inspections City Manager <V 2 4e - 12931 FEES Permit Zq0 Inspections 1441 Water Tap Sewer Stub Aid to Const. Z `-t o TOTAL LEAD -BASED PAINT Adapted from http : / /www.epa.pov4ead /pubs /renovation.htm. Please use that site to access the following information. Information for Property Owners of Rental Housing, Child- Occupied Facilities Property owners who renovate, repair, or prepare surfaces for painting in pre -1978 rental housing or space rented by child -care facilities must, before beginning work, provide tenants with a copy of EPA's lead hazard information pamphlet Renovate Right: Important Lead Hazard Information for Families, Child Care Providers, and Schools. Owners of these rental properties must document compliance with this requirement. EPA's sample pre- renovation disclosure form may be used for this purpose. After April 22, 2010, property owners who perform these projects in pre -1978 rental housing or space rented by child -care facilities must be certified and follow the lead -safe work practices required by EPA's Renovation, Repair and Remodeling rule. To become certified, property owners must submit an application for firm certification and fee payment to EPA. The Agency has up to 90 days after receiving a complete request for certification to approve or disapprove the application. Property owners who perform renovation, repairs, and painting jobs in rental property should also: • Take training to learn how to perform lead -safe work practices. Learn the lead laws that apply regarding certification and lead -safe work practices beginning in April 2010. Keep records to demonstrate that you and your workers have been trained in lead -safe work practices and that you followed lead - safe work practices on the job. To make recordkeeping easier, you may use the sample recordkeepinq checklist that EPA has developed to help contractors comply with the renovation recordkeeping requirements that took effect April 2010. Read about how to comply with EPA's rule in the EPA Small Entity Compliance Guide to Renovate Right. Read about how to use lead -safe work practices in EPA's Steps to Lead Safe Renovation, Repair and Painting. Information for Homeowners Working at Home If you are a homeowner performing renovation, repair, or painting work in your own home, EPA's RRP rule does not cover your project. However, you have the ultimate responsibility for the safety of your family or children in your care. If you are living in a pre -1978 home and planning to do painting or repairs, please read a copy of EPA's Renovate Right: Important Lead Hazard Information for Families, Child Care Providers, and Schools lead hazard information pamphlet. You may also want to call the National Lead Information Center at 1 -800- 424 -LEAD (5323) and ask for more information on how to work safely in a home with lead -based paint. Information for Tenants and Families of Children under Age 6 in Child Care Facilities and Schools As a tenant or a parent or guardian of children in a child care facility or school, you should know your rights when a renovation job is performed in your home, or in the child care facility or school that your child attends. • Before starting a renovation in residential buildings built before 1978, the contractor or property owner is required to have tenants sign a pre- renovation disclosure form, which indicates that the tenant received the Renovate Right lead hazard information pamphlet. • Beginning in December 2008, the contractor must also make renovation information available to the parents or guardians of children under age six that attend child care facilities and schools, and to provide to owners and administrators of pre -1978 child care facilities and schools to be renovated a copy of EPA's Renovate Right: Important Lead Hazard Information for Families Child Care Providers, and Schools lead hazard information pamphlet. Information for Contractors As a contractor, you play an important role in helping to prevent lead exposure. Ordinary renovation and maintenance activities can create dust that contains lead. By following the lead -safe work practices, you can prevent lead hazards. Contractors who perform renovation, repairs, and painting jobs in pre -1978 housing and child- occupied facilities must, before beginning work, provide owners, tenants, and child -care facilities with a copy of EPA's lead hazard information pamphlet Renovate Right: Important Lead Hazard Information for Families, Child Care Providers, and Schools. Contractors must document compliance with this requirement. EPA's pre- renovation disclosure form may be used for this purpose. Understand that after April 22, 2010, federal law will require you to be certified and to use lead -safe work practices. To become certified, renovation contractors must submit an application and fee payment to EPA. See: Application for firm certification. The Agency has up to 90 days after receiving a complete request for certification to approve or disapprove the application. Contractors who perform renovation, repairs, and painting jobs should also: • Take training to learn how to perform lead -safe work practices. • Find a training provider that has been accredited by EPA to provide training for renovators under EPA's Renovation, Repair, and Painting (RRP) Program. Please note that if you previously completed an eligible renovation training course you may take the 4 -hour refresher course instead of the 8 -hour initial course from an accredited training provider to become a certified renovator. Click here for a list of eligible courses. • Provide a copy of your EPA or state lead training certificate to your client. • Tell your client what lead -safe methods you will use to perform the job. • Learn the lead laws that apply to you regarding certification and lead -safe work practices beginning in April 2010. • Ask your client to share the results of any previously conducted lead tests. • Provide your client with references from at least three recent jobs involving homes built before 1978. • Keep records to demonstrate that you and your workers have been trained in lead -safe work practices and that you followed lead - safe work practices on the job. To make recordkeeping easier, you may use the sample recordkeeping checklist that EPA has developed to help contractors comply with the renovation recordkeeping requirements. • Read about how . comply with EPA's rule in the EPA Small Entity Compliance Guide to Renovate Right. • • • -"sou how o use lead -safe work practices in EPA's Steps to Lead Safe Renovation, Repair and Painting. Z Z// Z Sig 1e Date j-orfri &'-yt(r Printed Name EAD-SAFE CERTIFIED, I ISTURBING JUST SIX SQUARE FEET COULD COST YOU BIG TI Derr OF NAIURAL RESOURCES Permit Acknowledgement of Asbestos/Environmental Notification to Georgia EPD for Projects Involving Demolition, Wrecking, or Renovation The undersigned hereby acknowledges that the issuance of this permit does not in any way grant permission to the owner, owner's representative, or permit holder to proceed with demolition, wrecking, or renovation of a structure prior to the filing of any required ten (10) day "Project Notification for Asbestos Renovation Encapsulation or Demolition" form in accordance with the Georgia Asbestos Rules. The Georgia Environmental Protection Division administers the rules. In most cases, the rules require both the owner and the involved contractors to assure the portion of the building involved in the project is thoroughly inspected by an Accredited Asbestos Inspector for materials that contain asbestos; and the removal of the asbestos before renovation, wrecking, or demolition begins almost without exemption. Georgia EPD requires a completed demolition notification from be submitted 10 workings days in advance even if no asbestos is present in the building. Further guidance for regulatory compliance and contact telephone numbers are provided by the brochures entitled Asbestos & Renovation and Asbestos and Demolition. Other environmental issues such as asbestos removal techniques, lead abatement, ground contamination, or unusual site conditions may have EPD regulations that could affect the project. Al Un . ers ' e 0w4 c r Printed Name 2� 22/2 Date Office Use Only: Project Address: Permit Number: June 30, 2010 The following deficiencies have reached an unacceptable level on the projects in the City of Tybee Island. While the deficiencies are not necessarily the fault of the Owner or his agent, they are their responsibilities. The two areas of deficiencies are in the two most basic and common BMPs on local projects. They are: Co — Construction Exit Sdl — Sediment Barrier Correct installation information can be found not only in the "Green Book" but in the Field Manual for Erosion and Sediment Control in Georgia, Fourth Edition 2002, 4310 Lexington Road, P.O. Box 8024, Athens, GA 30603, telephone 706.542.3065, www.gaswcc.org, Georgia Soil and Water Conservation Commission; http: / /www.gaswcc.org/docs/ field manual_4ed.pdf. Problems with the Co is not limited to the installation, but to the material. Specifically, the job site personnel are telling me the stone delivered is the 1.5 " -3.5" stone they requested. I have experienced on my own projects suppliers not adhering to the specs they are given with the orders. While I regret this situation, I will no longer be accepting any deviation from the State requirements. The stone will be a representation of 1.5 " -3.5" stone or larger. Gradations that are obviously smaller will no longer be tolerated. The smaller stone allows for a smoother surface with smaller voids, thereby reducing the function of the construction exit. Similarly, I am finding Type A sediment barriers installed where Type C is required and shown on the permit drawings. I have attempted to work with the Owners through increased inspections, additional backup BMPs, etc. This has evidently become common knowledge based on the installations I am finding. Where two rows are called for they will be installed with a separation that allows for the first one to fail (fall over) without impacting the second one. The complete assembly and installation must be compliant; steel or wood posts, post spacing, Type C or A. There has been no discharge into state waters due to previous occasional deficiencies. However, the increased frequency has created unnecessary exposure to: 1) Sediment discharge into nearby waters of the State, 2) Increased maintenance efforts by the DPW on downstream lines. 3) Due to #2, higher cost to island taxpayers. I will be adhering strictly to the manual on all BMPs and not just these two. Downer Davis City of Tybee Island consulting Engineer Sign yfe of Owner /Contractor REQUIRED FOR: Building Permits Relocation Permits Sign Permits Demolition Permits Land Clearing, Disturbance or Excavation Permits Tree Removal Permits Relocation Permits Special Review Permits Site Plan Approval Subdivision of Land Sketch Plan Approval Preliminary Plan Approval Final Plat Approval Minor Subdivision Plat Approval Major Subdivision Plat Approval In addition to specific requirements for the above permits and approvals, applicants must demonstrate that they are in compliance with the City of Tybee Island Storm Water Management requirements as outlined in Chapter 5 -4, Code of Ordinances. Section 5 -4 -9 Prohibition provides, in part, as follows: (4.) It is unlawful for any person to cause or permit any storm water to flow from their property onto the property of another person, unless such storm water naturally flowed thereon prior to any development activity. (5.) It is unlawful for any person to interrupt the flow of any storm water runoff from adjacent property onto their property by any development activity. As part of the City's approval process applicants must illustrate how these storm water management prohibitions will be met, including a showing of how storm water naturally flowed on the affected property (prior to any development activity), and what changes in storm water flow have occurred or are expected to occur, as attachments to this form. The City's approval or permit does not guarantee that the applicant's plans will result in meeting requirements. The final product must actually meet the City Ordinance requirements. %%. j Applicant name: 7,,:‘,11/. , l o w 6 /►Atev4e J-- Project I.D.: Attachments approved by: Date: Georgia Department of Natural Resources 2 Martin Luther King, Jr. Drive, S.E., Suite 1152 East Tower, Atlanta, Georgia 30334 -9000 Chris Clark, Commissioner Environmental Protection Division F. Alien Barnes, Director (404) 656 -4713 MEMORANDUM TO: NonPoint Source Group, Program Coordination Branch Staff, and Local Issuing A horiti ?s FROM: Jim Ussery, istant Director Environment Protection Division RE: Minor Land - Disturbing Activity Guidelines The attached minor land- disturbing guidance document, dated September 2009, has been developed by the Erosion Sedimentation Advisory Council (ESAC). The intent of this document is to clarify minor land- disturbing activities as defined in the Georgia Erosion and Sedimentation Act and the applicable requirements of the NPDES General Permits for Storm Water Discharges Associated with Construction Activity. Please initiate implementation of these guidelines immediately for all applicable minor land- disturbing activities. Should there be any questions regarding this memorandum, please contact the appropriate EPD District Office or the Watershed Protection Branch's NonPoint Source Program at (404) 675 -6240. Attachment Cc: Jim Sommerville Linda MacGregor Larry Hedges Revised September 2009 MINOR LAND - DISTURBING ACTIVITIES As per O.C.G.A. 12 -7- 17(3), minor land- disturbing activities are exempt from the Georgia. Erosion and Sedimentation Act: "Such minor land - disturbing activities as home gardens and individual home landscaping, repairs, maintenance work, fences, and other related activities which result in minor soil erosion." The intent of this document is to clarify minor land- disturbing activities as defined in the Georgia Erosion and Sedimentation Act and the applicable requirements of the NPDES General Permits for Storm Water Discharges Associated with Construction Activity, as follows: A. The following land- disturbing activities are examples of projects not specifically listed in O.C.G.A. 12 -7 -17(3) that would be considered minor land- disturbing activities and therefore, exempt from the Georgia Erosion and Sedimentation Act and the applicable buffer requirements for State waters: 1. Elevated structures such as decks, gazebos, patios, walkways, viewing platforms and/or open picnic shelters, provided: a. No more than 100 square feet of footprint of the elevated structure extends into or over the buffer, with an exception for structures compliant with the Americans with Disability Act (ADA); b. No grading, cutting, filling or similar land- disturbing activities occurring as a part of the site preparation, construction or subsequent development; c. The structure is built on posts, concrete blocks and /or similar supports; d. Permanent protective vegetative cover remains or protective measures (e.g., mulch, gravel) are installed within the footprint of the elevated structure to prevent post- construction soil erosion; e. A natural canopy is left in sufficient quantity to keep shade on the stream bed; and f. No concrete and/or asphalt slabs, pads or foundations constructed or placed as a part of the site preparation, construction or subsequent development. 2. A pervious ground level walkway approach to a dock and/or similar structure, provided: a. No more than 100 square feet of the constructed walkway extends into the buffer, with an exception for structures compliant with the Americans with Disability Act (ADA); b. No grading, cutting, filling or similar land- disturbing activities occurring as a part of the site preparation, construction or subsequent development; c. No concrete and /or asphalt slabs, pads, supports or foundations constructed or placed as a part of the site preparation, construction or subsequent development; and d. All ground preparation and walkway material placement is completed with the use of hand -held equipment. 3. Restoration of buffer area after the removal of an existing structure, provided: 1 Revised September 2009 a. No more than 100 square feet of the structure footprint is in the buffer; and b. The buffer area must be replanted with native vegetation. 4. Maintenance or repair of existing structures, the failure of which would result in a threat to human health or State waters, such as sewer lines, water lines, dams, or gas lines. Total disturbance must be Tess than 100 square feet. 5. Placement of rock riprap within the buffer not to exceed 100 square feet on any one property, provided: a. The placement of the rip -rap does not result in soil disturbance outside the placement area; and b. No grading, cutting, filling or similar land- disturbing activities occurring as part of the site preparation, construction or subsequent development. B. The following land- disturbing activities are examples of projects that are NOT considered minor land- disturbing activities and therefore, NOT exempt from the Georgia Erosion and Sedimentation Act and the applicable buffer requirements for State waters: 1. Any land- disturbing activity utilizing wheeled or tracked machinery and equipment resulting in soil erosion within the buffer; 2. Paving with poured or prefab concrete and /or asphalt; 3. Any project or combination of projects occurring within the same calendar year on the same property resulting in more than 100 square feet of any elevated structures and /or pervious ground level walkways within or extending into the buffer; , 4. Construction of a barbeque pit on a concrete and /or asphalt slab or pad within the buffer; 5. Construction of a ground level patio within the buffer; 6. Construction of a swimming pool within the buffer; 7. Construction of a structural or decorative retaining wall within the buffer; 8. Construction of a new seawall with land- disturbing activities occurring within the buffer; and 9. Backfilling any new seawall construction within the buffer. In addition, O.C.G.A. 12- 7- 6(b)(15)(A) and O.C.G.A. 12- 7- 6(b)(16)(A) state that "No land disturbing activities shall be conducted within a buffer and a buffer shall remain in its natural, undisturbed, state of vegetation until all land-disturbing activities on the construction site are completed. Once final stabilization of the site is achieved, a buffer may be thinned or trimmed of vegetation as long as a protective vegetative cover remains to protect water quality and aquatic habitat and a natural canopy is left in sufficient quantity to keep shade on the stream bed; provided, however, that any person constructing a single- family residence, when such residence is constructed by or under contract with the owner for his or her own occupancy, may thin or trim vegetation in a buffer at any time as long as protective vegetative cover remains to protect water quality and aquatic habitat and a natural canopy is left in sufficient quantity to keep shade on the stream bed." Therefore, for Common Development construction projects covered under the NPDES General Permit for Storm Water Discharges Associated with Construction Activity (Permit); the exemption for minor land- disturbing activities (O.C.G.A. 12 -7- 17(3)) within the buffer for State waters would not be applicable for an individual lot(s) until such time as a Notice of Termination (NOT) for the Common Development had been submitted in accordance with the Permit. 2 Revised September 2009 For Stand Alone and Infrastructure construction projects covered under the Permit, the exemption for minor land- disturbing activities (O.C.G.A. 12- 7- 17(3)) would not be applicable for a construction project until such time as a NOT is submitted in accordance with the Permit. However, for Infrastructure construction projects only, the installation of mandatory fences within the buffer for State waters is allowed prior to submitting a Notice of Termination and is exempt from the applicable buffer requirements. Compliance with the Georgia Erosion and Sedimentation Act and NPDES General Permits for Storm Water Discharges Associated with Construction Activity does not relieve an individual of any obligation or responsibility for complying with the provisions of any other law or regulations of any Federal, local or additional State authority, nor does it obligate any of the aforementioned to permit this project if they do not concur with its concept of development and control (e.g., placement of rock riprap within the stream channel may require a permit from the United States Army Corps of Engineers). 3 1 Page #1J MAR 09201? UP APPRAISAL OF REAL PROPERTY LOCATED AT: 1509 CHATHAM AVENUE NORTH 53 FEET LOT 17, WARD 6, TYBEE ISLAND TYBEE ISLAND, GA 31328 FOR: DIANA WIDELL 3962 PORTLAND STREET COPLAY, PA 18037 AS OF: MARCH 6, 2012 BY: JOHN J GANEM Form GA5 — "WinTOTAL" appraisal software by a la mode, inc. — 1-800-ALAMODE DIANA WIDELL 3962 PORTLAND STREET COPLAY, PA 18037 Re: Property: 1509 CHATHAM AVENUE TYBEE ISLAND, GA 31328 Borrower: GARRY CARLS File No.: In accordance with your request, we have appraised the above referenced property. The report of that appraisal is attached. The purpose of this appraisal is to estimate the market value of the property described in this appraisal report, as improved, in unencumbered fee simple title of ownership. This report is based on a physical analysis of the site and improvements, a locational analysis of the neighborhood and city, and an economic analysis of the market for properties such as the subject. The appraisal was developed and the report was prepared in accordance with the Uniform Standards of Professional Appraisal Practice. The value conclusions reported are as of the effective date stated in the body of the report and contingent upon the certification and limiting conditions attached. It has been a pleasure to assist you. Please do not hesitate to contact me or any of my staff if we can be of additional service to you. Summary Appraisal Report Johnnie Ganem Appraisal Company Uniform Residential Aaaraisal Resort File # 033431103 1 Paae #21 The purpose of this summary appraisal report is to provide the lender /client with an accurate, and adequately supported, opinion of the market value of the subject property. Property Address 1509 CHATHAM AVENUE City TYBEE ISLAND State GA Zip Code 31328 Borrower GARRY CARLS Owner of Public Record GARRY CARLS County CHARLTON Legal Description NORTH 53 FEET LOT 17, WARD 6, TYBEE ISLAND Assessor's Parcel # 4- 10 -3-8 Tax Year 2011 (T.V. $963,100) R.E. Taxes $ $11,212.(EST) - Neighborhood Name TYBEE ISLAND Map Reference 50 Census Tract 111.03 Occupant ® Owner ❑ Tenant ❑ Vacant Special Assessments $ N/A ❑ PUD HOA $ N/A n per year ❑ per month s3 Property Rights Appraised ® Fee Simple ❑ Leasehold ❑ Other (describe) Assignment Type ❑ Purchase Transaction ❑ Refinance Transaction ® Other (describe) Lender /Client DIANA WIDELL Address 3962 PORTLAND STREET, COPLAY, PA 18037 Is the subject property currently offered for sale or has it been offered for sale in the twelve months prior to the effective date of this appraisal? ❑ Yes ® No Report data source(s) used, offering price(s), and date(s). MLS, DAILY AND PUBLIC RECORDS. THE SUBJECT PROPERTY IS NOT CURRENTLY LISTED WITH THE LOCAL MLS SYSYEM. I ❑ did ❑ did not analyze the contract for sale for the subject purchase transaction. Explain the results of the analysis of the contract for sale or why the analysis was not performed. N/A iContract Price $ N/A Date of Contract N/A Is the property seller the owner of public record? ❑ Yes ❑ No Data Source(s) Is there any financial assistance (loan charges, sale concessions, gill or downpayment assistance, etc.) to be paid by any party on behalf of the borrower? ❑ Yes ❑ No ° If Yes, report the total dollar amount and describe the items to be paid. N/A Note: Race and the racial composition of the neighborhood are not appraisal factors. Neighborhood Characteristics One-Unit Housing Trends One -Unit Housing Present Land Use % Location ❑ Urban ® Suburban ❑ Rural Property Values ❑ Increasing ® Stable n Declining PRICE AGE One -Unit 70 % Built-Up n Over 75% IX 25 -75% ❑ Under 25% Demand/Supply ❑ Shortage ® In Balance ❑ Over Supply $ (000) (yrs) 2 -4 Unit 10 % 0 Growth ❑ Rapid ® Stable ❑ Slow o Marketing Time ❑ Under 3 mths ® 3 -6 mths ❑ Over 6 mths 480 Low NEW Multi - Family % Neighborhood Boundaries NEIGHBORHOOD BOUNDARIES ARE THE GEOGRAPHICAL BOUNDARIES 1,670 High 100 Commercial 10 % °m OF TYBEE ISLAND. 700 Pred. 35 Other 10 % Neighborhood Description THE SUBJECT IS LOCATED ON TYBEE ISLAND, THE EASTERNMOST ISLAND OF CHATHAM COUNTY. TYBEE IS A i 15 MINUTE DRIVE TO DOWNTOWN SAVANNAH. ALL SERVICES ARE AVAILABLE AND POLICE AND FIRE PROTECTION ARE CONSIDERED TO BE ADEQUATE. SCHOOLS, SHOPPING, BANKING, RECREATION AND EMPLOYMENT CENTERS ARE ALL NEARBY. Market Conditions (including support for the above conclusions) NO ABNORMAL MARKETING EXIST IN THE AREA. THE DEMAND FOR HOUSING IN THE AREA IS GOOD. NO UNUSUAL SALES CONCESSIONS APPEAR TO BE NECESSARY. MLS DATA INDICATES AN AVERAGE MARKETING TIME FOR TYBEE ISLAND TO BE 158 DAYS. Dimensions 53' X 171' + - Area 9,063 Sq.Ft. Shape RECTANGULAR View BACK RIVER Specific Zoning Classification R -2 Zoning Description 1 AND 2 FAMILY RESIDENTIAL Zoning Compliance ® Legal ❑ Legal Nonconforming (Grandfathered Use) ❑ No Zoning ❑ Illegal (describe) Is the highest and best use of subject property as improved (or as proposed per plans and specifications) the present use? IA Yes ❑ No U No, describe Utilities Public Other (describe) Public Other (descrlbe) Off -site Improvements - Type Public Private F Electricity N ❑ Water IX ❑ Street PAVED ASPHALT ® n N Gas ❑ ® PROPANE Sanitary Sewer ® ❑ Alley NONE ❑ ❑ FEMA Special Flood Hazard Area ® Yes ❑ No FEMA Rood Zone A-8 & V -9 FEMA Map # 135164 -0002C FEMA Map Date 6/17/86 Are the utilities and off -site improvements typical for the market area? ® Yes ❑ No if No, describe Are there any adverse site conditions or external factors (easements, encroachments, environmental conditions, land uses, etc.)? ❑ Yes ® No If Yes, describe NO APPARENT ADVERSE EASEMENTS OR ENCROACHMENTS WERE NOTED THAT SHOULD AFFECT MARKET VALUE. THE SUBJECT IS IDENTIFIED AS BEING IN THE FLOOD HAZARD AREA. SUBJECT TO SURVEY. SUBJECT ENJOYS A GOOD VIEW OF THE BACK RIVER. STRUCTURE ENJOYS AN EXCEPTIONAL VIEW OF THE BACK RIVER General Description Foundation Exterior Description materials /condition Interior materials /condition Units !Z One ❑ One with Accessory Unit ® Concrete Slab n Crawl Space Foundation Walls CONCRETE Floors CONC,WD/GD # of Stories 2 ❑ Full Basement n Partial Basement Exterior Walls ALUM SID /GD Walls DRYWALUGD Type ® Det. n Att. n S- Det/End Unit Basement Area sq.ft. Roof Surface SHINGLES /AVG Trim/Finish WOOD /GD j Existing n Proposed n Under Const. Basement Finish % Gutters & Downspouts YES /GD Bath Floor CERTILE,STNNGD Design (Style) 2 STY /DET /G ❑ Outside Entry/Exit ❑ Sump Pump Window Type WD /CSMT /GD Bath Wainscot CERTILE,STNNG Year Built 1973 Evidence of n Infestation Storm Sash/Insulated NONE Car Storage None Effective Age (Yrs) 15 ❑ Dampness ❑ Settlement Screens SCREENS /GD 0 Driveway # of Cars AMPLE Attic 1 I None Heating XI FWA 11 HWBB 0 1 Radiant Amenities -I 1 Woodstove(s) # Driveway Surface CONCRETE ►/ Iwo. Stair • Stairs • Other Fuel ELECT /.1 Fi -'laces # 1 • Fence 0 Garaie # of Cars 2 n Floor n Scuttle Cooling X1 Central Air Conditioning N Patio/Deck (X) Porch SCREEN f -1 Carport # of Cars 2 ❑ Finished ❑ Heated ❑ Individual 10 Other ❑ Pool ® Other DOCKS ❑ Att. ❑ Det. ® Built-in W Appliances [Si Refrigerator ® Range/Oven ® Dishwasher ® Disposal ® Microwave I2J Washer /Dryer ❑ Other (describe) w Finished area above grade contains: 7 Rooms 4 Bedrooms 2 Bath(s) 2,321 Square Feet of Gross Living Area Above Grade o Additional features (special energy efficient items, etc.). THE SUBJECT IS IN GOOD CONDITION WITH NO AREAS OF REPAIR NOTED. GOOD QUALITY TILE AND HARDWOOD FLOORS THROUGHOUT. DECK OVER SCREEN PORCH. z Describe the condition of the properly (including needed repairs, deterioration, renovations, remodeling, etc.). THE SUBJECT IS EXISTING CONSTRUCTION AND IS IN GOOD CONDITION. THERE WAS NO FUNCTIONAL OR ECONOMIC OBSOLESCENCE TO BE CONSIDERED. PHYSICAL DEPRECIATION ATTRIBUTABLE TO NORMAL WEAR AND TEAR IS ESTIMATED UTILIZING THE AGE/LIFE METHOD, EFFECTIVE AGE 12 YEARS, REMAINING ECONOMIC LIFE 48 YEARS, 12/87 = 14% DEPRECIATION. Are there any physical deficiencies or adverse conditions that affect the livability, soundness, or structural integrity of the property? n Yes ® No If Yes, describe Does the property generally conform to the neighborhood (functional utility, style, condition, use, construction, etc)? ® Yes ❑ No If No, describe Freddie Mac Form 70 March 2005 Page 1 of 6 Form 1004 — 'WinTOTAL' appraisal software by a la mode, inc. — 1-800-ALAMODE Fannie Mae Form 1004 March 2005 Uniform Residential Appraisal Report File # 033431103 There are 13 comparable properties currently offered for sale in the subject neighborhood ranging in price from $ 1,477,500 to $ 3,124,000 There are 8 comparable sales in the subject neighborhood within the past twelve months ranging in sale price from $ 1,174,500 to $ 3,300,000 FEATURE 1 SUBJECT COMPARABLE SALE # 1 COMPARABLE SALE # 2 COMPARABLE SALE # 3 Address 1509 CHATHAM AVENUE TYBEE ISLAND,GA 31328 1318 VENETIAN DRIVE TYBEE ISLAND, GA 31328 18 TERESA LANE TYBEE ISLAND, GA 31328 3 NEPTUNE LANE TYBEE ISLAND, GA 31328 Pokily to Subject 0.20 miles N 1.84 miles N 0.46 miles S Sale Price $ N/A $ 425000 $ 750,000 $ 1,075,000 Sale Price/Gross Liv. Area $ sq.ft. $ 221.82 sq.ft. $ 321.47 sq.ft. $ 409.06 sq.ft. Data Source(s) MLS LENDER,APPRAISER MLS,LENDER,APPRAISER DATA, PUBLIC RECORDS MLS,LENDER,APPRAISER DATA, PUBLIC RECORDS Verification Source(s) DATA, PUBLIC RECORDS VALUE ADJUSTMENTS DESCRIPTION DESCRIPTION +( -) $ Adjustment DESCRIPTION +( -) $ Adjustment DESCRIPTION +( -) $ Adjustment Sales or Financing Concessions CONVENTNL LN DOM- 224 CASH DOM- 73 CONVENTNL LN DOM- 0 Date of Sale/Time 2/29 /12 2/03/12 7/29/11 Location TYBEE ISLAND TYBEE ISLAND TYBEE ISLAND TYBEE ISLAND Leasehold/Fee Simple FEE SIMPLE FEE SIMPLE FEE SIMPLE FEE SIMPLE Site 9,063 SF 5,257 SF /INF +25,000 10,807 SF /SIM 14,430SF /2LTS - 350,000 View BACK RIVER LIMITED RIVER +100,000 RIVER FRONT BACK RIVER Design (Style) 2 STY /DET /G 2 STY /DET /G 3 STY /DET /G 3 STY /DET /GD Duality of Construction SIDING /GD FRAME /GD FRAME /GD FRAME /GD Actual Age 1973 1993 2000 2005 Condition GOOD GOOD GOOD VERY GOOD Above Grade Room Count Gross Living Area Total Bdnns. Baths Total Bdrms. Baths Total Bdrms. Baths Total Bdnns. Baths 7 4 2 6 2 2 +10,000 6 3 2.1 +2,500 8 5 3.1 -7,500 2,321 sq.ft . 1,916 sq.ft. +14,180 2,333 sq.ft. 2,628 sq.ft. - 10,750 Basement & Finished Rooms Below Grade NONE NONE NONE NONE = Functional Utility GOOD GOOD GOOD GOOD ,i,) Heating/Cooling FWA/CAC FWA/CAC FWA/CAC FWA/CAC g Energy Efficient hems STANDARD STANDARD STANDARD STANDARD 2.- 1GAR/4OFF ST 2CP /4OFF ST 2GAR/4OFF ST -5,000 2GAR/4OFF ST -5,000 Porch/Patio/Deck SCRNPR/DCK DECK,STG +5 000 3 COVD PORS -5,000 2WRAPPRCHS - 10,000 o RO,DW,FH,DS RO,DW,FH,DS KIT + /WP KIT + /ELEV/WP cn E 1 FIREPLACE 1 FIREPLACE 1 FIREPLACE NONE +1,500 a a DOCK,FLOAT D DOCK,FLOAT D NONE +50,000 STORAGE +45,000 E Net Adjustment (Total) ® + j❑ - $ 154,180 ® + ❑ - $ 42,500 ❑ + ® - $ - 336,750 N Adjusted Sale Price of Comparables Net Adj. 36.3 % Gross Adj. 36.3 % $ 579,180 Net Adj. 5.7 % Gross Adj. 8.3 % $ 792,500 Net Adj. 31.3 % Gross Adj. 40.0 % $ 738,250 0 I ® did LJ did not research the sale or transfer history of the subject p opery and comparable sales. If not, explain My research ❑ did ® did not reveal any prior sales or transfers of the subject property for the three years prior to the effective date of this appraisal. Data Source(s) MLS, DAILY AND PUBLIC RECORDS. My research ❑ did ® did not reveal any prior sales or transfers of the comparable sales for the year prior to the date of sale of the comparable sale. Data Source(s) MLS, DAILY AND PUBLIC RECORDS. Report the results of the research and analysis of the prior sale or transfer history of the subject property and comparable sales (report additional pnor sales on page 3). ITEM SUBJECT COMPARABLE SALE #1 COMPARABLE SALE #2 COMPARABLE SALE #3 Date of Prior Sale/Transfer NO SALE WITHIN NO SALE WITHIN NO SALE WITHIN NO SALE WITHIN Price of Prior Sale/Transfer LAST 36 MONTHS PRIOR YEAR PRIOR YEAR PRIOR YEAR Data Source(s) PUBLIC RECORDS PUBLIC RECORDS PUBLIC RECORDS PUBLIC RECORDS Effective Date of Data Source(s) 3/06/12 3/06/12 3/06/12 3/06/12 Analysis of prior sale or transfer history of the subject property and comparable sales THERE WAS NO SALE FOUND OF THE SUBJECT PROPERTY IN THE LAST 36 MONTHS. NONE OF THE COMPS HAD A PRIOR SALE HISTORY FOR THE YEAR PRIOR TO THE DATE OF SALE OF THE COMPARABLE SALE. Summary of Sales Comparison Approach ALL COMPARABLES WERE TAKEN FROM THE SUBJECTS GENERAL AREA AND WERE CONSIDERED TO BE THE MOST COMPATIBLE WITH THE SUBJECT PROPERTY. THEY GIVE A VALID INDICATION OF VALUE AFTER ADJUSTMENTS. ALL SALES WERE VERIFIED TO BE CLOSED TRANSACTIONS. GLA ADJUSTED $35 PSF DIFFERENCE. COMP 1 EXCEEDED THE DESIRED SIX MONTH SALE/DATE GUIDELINE, AND IT CONTINUES TO PROVIDE VALID MARKET DATA AND WARRANTS NO TIME ADJUSTMENT. COMP 3 WAS ADJUSTED DOWNWARD AS IT INCLUDED AN ADDITIONAL LOT. COMP 1 WAS ADJUSTED UPWARD FOR VIEW AS IT WAS NOT DIRECTLY LOCATED ON THE WATER, AS IT WAS ACROSS THE STREET FROM THE BACK RIVER. NO CONDITION ADJUSTMENTS WERE MADE TO THE COMPS AS THEY ARE CONSIDED TO BE IN GOOD CONDITION, AS THE SUBJECT. COMP 1 WAS A FORECLOSURE AND GIVEN LITTLE WEIGHT IN THIS ANALYSIS. Indicated Value by Sales Comparison Approach $ 750,000 Indicated Value by: Sales Comparison Approach $ 750,000 Cost Approach (if developed) $ 751,729 Income Approach (if developed) $ THE SALES COMPARISON APPROACH WAS GIVEN THE MOST WEIGHT ON ARRIVING AT THE VALUE, AS IT BEST REPRESENTS THE a ACTIONS OF BUYERS AND SELLERS IN THE MARKET PLACE. THE INCOME APPROACH IS INAPPLICABLE DUE TO LACK OF 1 VERIFIABLE DATA. This appraisal is made El 'as is', ❑ subject to completion per plans and specifications on the basis of a hypothetical condition that the improvements have been i completed, III subject to the following repairs or alterations on the basis of a hypothetical condition that the repairs or alterations have been completed, or ❑ subject to the 0 following required inspection based on the extraordinary assumption that the condition or deficiency does not require alteration or repair: w = Based on a complete visual inspection of the interior and exterior areas of the subject property, defined scope of work, statement of assumptions and limiting conditions, and appraiser's certification, my (our) opinion of the market value, as defined, of the real property that is the subject of this report is $ 750,000 , as of MARCH 6, 2012 , which is the date of inspection and the effective date of this appraisal. Freddie Mac Form 70 March 2005 Page 2of6 Form 1004- 'WinTOTAL' appraisal software by a la mode, inc. - 1- 800 - ALAMODE Fannie Mae Form 1004 March 2005 Uniform Residential Aaaraisal Resort File # 033431103 Freddie Mac Form 70 March 2005 Page 3 of 6 Form 1004 — "WinTOTAL' appraisal software by a la mode, inc. — 1-800-ALAMODE Fannie Mae Form 1004 March 2005 EXPANDED "SCOPE OF WORK" COMMENTS (THE APPRAISER IS PERMITTED TO EXPAND THE "SCOPE OF WORK" FOR CLARIFICATION PURPOSES OF WHICH THE FOLLOWING IS PROVIDED FOR SAID PURPOSES): A "COMPLETE VISUAL INSPECTION OF THE INTERIOR AND EXTERIOR AREAS OF THE SUBJECT PROPERTY" WAS PERFORMED BY THE APPRAISER BASED ON CONDITIONS READILY OBSERVABLE EXCLUDING ALL HIDDEN OR OBSTRUCTED AREAS AND NOT AS A PROFESSIONAL HOME INSPECTOR. THE TERM "COMPLETE IS NOT AN ALL INCLUSIVE TERM RELATIVE TO THE ENTIRE ATTIC, AND IF APPLICABLE, THE ENTIRE CRAWL SPACE AND OTHER NON - HABITABLE AREAS AS A COMPLETE DETAILED PHYSICAL INSPECTION OF EVERY PART OF THE AFOREMENTIONED AREAS IS NOT A FUNCTION OF THE THE INSPECTION PROCESS RELATIVE TO RESIDENTIAL APPRAISING BUT IS RELATIVE TO THE INSPECTION PROCESS BY A PROFESSIONAL HOME INSPECTOR. THE APPRAISER IS NOT A PROFESSIONAL WELL AND SEPTIC SYSTEMS INSPECTOR. IMPROVEMENT RATINGS AND COMMENTS REGARDING IMPROVEMENTS, SYSTEMS, EQUIPMENT AND REAL PROPERTY DO NOT REPRESENT ANY GUARANTEES AND /OR WARRANTIES EXPRESSED OR IMPLIED AS GUARANTEES AND /OR WARRANTIES ARE NOT A PART OF THE SCOPE OF THE APPRAISAL. IT IS NOT PART OF THE SCOPE OF THE APPRAISAL FOR THE APPRAISER TO PERFORM DUTIES RELATIVE TO THAT OF AN ATTORNEY -AT -LAW REGARDING ABSOLUTE VERIFICATION OF ALL LEGAL ASPECTS PERTAINING TO THE SUBJECT PROPERTY. IT IS NOT PART OF THE SCOPE OF THE APPRAISAL FOR THE APPRAISER TO PERFORM DUTIES RELATIVE TO THAT OF A PROFESSIONAL SURVEYOR REGARDING ABSOLUTE VERIFICATION OF ALL ASPECTS CONSIDERED AND DISCOVERIES MADE BY A PROFESSIONAL SURVEYOR RELATED TO THE SITE AND IMPROVEMENTS r2 w 2 E OF THE SUBJECT PROPERTY. ATTEMPT OF DISCOVERY OF POTENTIAL ADVERSE INFLUENCES AS A RESULT OF HUMAN BEHAVIOR IS NOT PART OF THE SCOPE OF THIS APPRAISAL. 0 0 J Q Z 0 1- 0 0 Q COST APPROACH TO VALUE (not required by Fannie Mae) Provide adequate information for the lender /client to replicate the below cost figures and calculations. Support for the opinion of site value (summary of comparable land sales or other methods for estimating site value) THE LAND VALUE EXCEEDS 30% AND THIS IS QUITE COMMON ON TYBEE, ESPECIALLY WHEN APPRAISING PROPERTIES ON OR NEAR A WATERBODY AS THE SUBJECT, AS THESE PROPERTIES ARE IN GREAT DEMAND. F_, o a a ESTIMATED ❑ REPRODUCTION OR ® REPLACEMENT COST NEW OPINION OF SITE VALUE 4 450,000 Source of cost data MARSHALL & SWIFT RESIDENTIAL COST BOOK DWELLING 2,321 Sq.Ft. @ $ 121.87 =$ 282,860 Quality rating from cost service GOOD Effective date of cost data 1/1/2012 Sq.Ft. @ $ =$ Comments on Cost Approach (gross living area calculations, depreciation, etc.) MISC.,APPL DECK,SPOR,DOCK &FTDOCK =$ 65,000 N MARSHALL AND SWIFTS RESIDENTIAL COST HANDBOOK WAS Garage/Carport 374 Sq.Ft. @ $ 28.56 =$ 10,681 o USED AS THE DATA SOURCE FOR REPLACEMENT COST NEW. Total Estimate of Cost -New =$ 358,541 REMAINING ECONOMIC LIFE ESTIMATED AT 48 YEARS. Less Physical Functional External Depreciation 61,812 =$( 61,812) Depreciated Cost of Improvements _____ _$ 296,729 'As -is' Value of Site Improvements =$ 5,000 Estimated Remaining Economic Life (HUD and VA only) 72 Years INDICATED VALUE BY COST APPROACH =$ 751,729 INCOME APPROACH TO VALUE (not required by Fannie Mae) Estimated Monthly Market Rent $ X Gross Rent Muhiplier = 5 Indicated Value by Income Approach z Summary o1 Income Approach (including support for market rent and GRM) PROJECT INFORMATION FOR PUDs (d applicable) Is the developer /builder in control of the Homeowners' Association (HOA)? ❑ Yes ❑ No Unit type(s) ❑ Detached ❑ Attached Provide the following information for PUDs ONLY 0 the developer /builder is in control of the HOA and the subject property is an attached dwelling unit. Legal Name of Project o Z Total number of phases Total number of units Total number of units sold Total number of units rented Total number of units for sale Data source(s) 2 Was the project created by the conversion of existing building(s) into a PUD? ❑ Yes ❑ No If Yes, date of conversion. rr o Does the project contain any multi- dwelling units? ❑ Yes ❑ No Data Source ? Are the units, common elements, and recreation facilities complete? ❑ Yes ❑ No If No, describe the status of completion. 0 a Are the common elements leased to or by the Homeowners' Association? ❑ Yes ❑ No 1f Yes, describe the rental terms and options. Describe common elements and recreational facilities. Freddie Mac Form 70 March 2005 Page 3 of 6 Form 1004 — "WinTOTAL' appraisal software by a la mode, inc. — 1-800-ALAMODE Fannie Mae Form 1004 March 2005 1 P'ace i4 Uniform Residential Appraisal Report File# 033431103 This report form is designed to report an appraisal of a one -unit property or a one -unit property with an accessory unit; including a unit in a planned unit development (PUD). This report form is not designed to report an appraisal of a manufactured home or a unit in a condominium or cooperative project. This appraisal report is subject to the following scope of work, intended use, intended user, definition of market value, statement of assumptions and limiting conditions, and certifications. Modifications, additions, or deletions to the intended use, intended user, definition of market value, or assumptions and limiting conditions are not permitted. The appraiser may expand the scope of work to include any additional research or analysis necessary based on the complexity of this appraisal assignment. Modifications or deletions to the certifications are also not permitted. However, additional certifications that do not constitute material alterations to this appraisal report, such as those required by law or those related to the appraiser's continuing education or membership in an appraisal organization, are permitted. SCOPE OF WORK: The scope of work for this appraisal is defined by the complexity of this appraisal assignment and the reporting requirements of this appraisal report form, including the following definition of market value, statement of assumptions and limiting conditions, and certifications. The appraiser must, at a minimum: (1) perform a complete visual inspection of the interior and exterior areas of the subject property, (2) inspect the neighborhood, (3) inspect each of the comparable sales from at least the street, (4) research, verify, and analyze data from reliable public and /or private sources, and (5) report his or her analysis, opinions, and conclusions in this appraisal report. INTENDED USE: The intended use of this appraisal report is for the lender /client to evaluate the property that is the subject of this appraisal for a mortgage finance transaction. INTENDED USER: The intended user of this appraisal report is the lender /client. 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 or she considers his or her 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 area; 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 ASSUMPTIONS AND LIMITING CONDITIONS: The appraiser's certification in this report is subject to the following assumptions and limiting 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, except for information that he or she became aware of during the research involved in performing this appraisal. The appraiser assumes that the title is good and marketable and will not render any opinions about the title. 2. The appraiser has provided a sketch in this appraisal report to show the approximate dimensions of the improvements. The sketch is included only to assist the reader 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 this appraisal report whether any portion of 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, or as otherwise required by law. 5. The appraiser has noted in this appraisal report any adverse conditions (such as needed repairs, deterioration, the presence of hazardous wastes, toxic substances, etc.) observed during the inspection of the subject property or that he or she became aware of during the research involved in performing the appraisal. Unless otherwise stated in this appraisal report, the appraiser has no knowledge of any hidden or unapparent physical deficiencies or adverse conditions of the property (such as, but not limited to, needed repairs, deterioration, the presence of hazardous wastes, toxic substances, adverse environmental conditions, etc.) that would make the property less valuable, and has assumed that there are no such conditions and makes no guarantees or warranties, express or implied. 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, this appraisal report must not be considered as an environmental assessment of the property. 6. 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 the completion, repairs, or alterations of the subject property will be performed in a professional manner. Freddie Mac Form 70 March 2005 Page 4 of 6 Fannie Mae Form 1004 March 2005 Form 1004 — 'WinTOTAL" appraisal software by a la mode, inc. — 1-800-ALAMODE Pao #6] Uniform Residential Appraisal Report File # 033431103 APPRAISER'S CERTIFICATION: The Appraiser certifies and agrees that: 1. I have, at a minimum, developed and reported this appraisal in accordance with the scope of work requirements stated in this appraisal report. 2. I performed a complete visual inspection of the interior and exterior areas of the subject property. I reported the condition of the improvements in factual, specific terms. I identified and reported the physical deficiencies that could affect the livability, soundness, or structural integrity of the property. 3. I performed this appraisal in accordance with the requirements of 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 at the time this appraisal report was prepared. 4. I developed my opinion of the market value of the real property that is the subject of this report based on the sales comparison approach to value. I have adequate comparable market data to develop a reliable sales comparison approach for this appraisal assignment. I further certify that I considered the cost and income approaches to value but did not develop them, unless otherwise indicated in this report. 5. I researched, verified, analyzed, and reported on any current agreement for sale for the subject property, any offering for sale of the subject property in the twelve months prior to the effective date of this appraisal, and the prior sales of the subject property for a minimum of three years prior to the effective date of this appraisal, unless otherwise indicated in this report. 6. 1 researched, verified, analyzed, and reported on the prior sales of the comparable sales for a minimum of one year prior to the date of sale of the comparable sale, unless otherwise indicated in this report. 7. 1 selected and used comparable sales that are locationally, physically, and functionally the most similar to the subject property. 8. 1 have not used comparable sales that were the result of combining a land sale with the contract purchase price of a home that has been built or will be built on the land. 9. 1 have reported adjustments to the comparable sales that reflect the market's reaction to the differences between the subject property and the comparable sales. 10. I verified, from a disinterested source, all information in this report that was provided by parties who have a financial interest in the safe or financing of the subject property. 11. I have knowledge and experience in appraising this type of property in this market area. 12. I am aware of, and have access to, the necessary and appropriate public and private data sources, such as multiple listing services, tax assessment records, public land records and other such data sources for the area in which the property is located. 13. I obtained the information, estimates, and opinions furnished by other parties and expressed in this appraisal report from reliable sources that I believe to be true and correct. 14. I have taken into consideration the factors that have an impact on value with respect to the subject neighborhood, subject property, and the proximity of the subject property to adverse influences in the development of my opinion of market value. I have noted in this appraisal report any adverse conditions (such as, but not limited to, needed repairs, deterioration, the presence of hazardous wastes, toxic substances, adverse environmental conditions, etc.) observed during the inspection of the subject property or that I became aware of during the research involved in performing this appraisal. I have considered these adverse conditions in my analysis of the property value, and have reported on the effect of the conditions on the value and marketability of the subject property. 15. I have not knowingly withheld any significant information from this appraisal report and, to the best of my knowledge, all statements and information in this appraisal report are true and correct. 16. I stated in this appraisal report my own personal, unbiased, and professional analysis, opinions, and conclusions, which are subject only to the assumptions and limiting conditions in this appraisal report. 17. I have no present or prospective interest in the property that is the subject of 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 opinion of market value in this appraisal report on the race, color, religion, sex, age, marital status, 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 or on any other basis prohibited by law. 18. My employment and /or compensation for performing this appraisal or any future or anticipated appraisals was not conditioned on any agreement or understanding, written or otherwise, that I would report (or present analysis supporting) a predetermined specific value, a predetermined minimum value, a range or direction in value, a value that favors the cause of any party, or the attainment of a specific result or occurrence of a specific subsequent event (such as approval of a pending mortgage loan application). 19. I personally prepared all conclusions and opinions about the real estate that were set forth in this appraisal report. If I relied on significant real property appraisal assistance from any individual or individuals in the performance of this appraisal or the preparation of this appraisal report, I have named such individual(s) and disclosed the specific tasks performed in 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 this appraisal report; therefore, any change made to this appraisal is unauthorized and I will take no responsibility for it. 20. I identified the lender /client in this appraisal report who is the individual, organization, or agent for the organization that ordered and will receive this appraisal report. Freddie Mac Form 70 March 2005 Page 5 of 6 Form 1004 — "WinTOTAL° appraisal software by a la mode, inc. — 1-800-ALAMODE Fannie Mae Form 1004 March 2005 Uniform Residential AooraisaI Resort Filet/ 033431103 21. The lender /client may disclose or distribute this appraisal report to: the borrower; another lender at the request of the borrower; the mortgagee or its successors and assigns; mortgage insurers; government sponsored enterprises; other secondary market participants; data collection or reporting services; professional appraisal organizations; any department, agency, or instrumentality of the United States; and any state, the District of Columbia, or other jurisdictions; without having to obtain the appraiser's or supervisory appraiser's (if applicable) consent. Such consent must be obtained before this appraisal report may be disclosed or distributed to any other party (including, but not limited to, the public through advertising, public relations, news, sales, or other media). 22. I am aware that any disclosure or distribution of this appraisal report by me or the lender /client may be subject to certain laws and regulations. Further, I am also subject to the provisions of the Uniform Standards of Professional Appraisal Practice that pertain to disclosure or distribution by me. 23. The borrower, another lender at the request of the borrower, the mortgagee or its successors and assigns, mortgage insurers, government sponsored enterprises, and other secondary market participants may rely on this appraisal report as part of any mortgage finance transaction that involves any one or more of these parties. 24. If this appraisal report was transmitted as an "electronic record" containing my "electronic signature," as those terms are defined in applicable federal and /or state laws (excluding audio and video recordings), or a facsimile transmission of this appraisal report containing a copy or representation of my signature, the appraisal report shall be as effective, enforceable and valid as if a paper version of this appraisal report were delivered containing my original hand written signature. 25. Any intentional or negligent misrepresentation(s) contained in this appraisal report may result in civil liability and /or criminal penalties including, but not limited to, fine or imprisonment or both under the provisions of Title 18, United States Code, Section 1001, et seq., or similar state laws. SUPERVISORY APPRAISER'S CERTIFICATION: The Supervisory Appraiser certifies and agrees that: 1. I directly supervised the appraiser for this appraisal assignment, have read the appraisal report, and agree with the appraiser's analysis, opinions, statements, conclusions, and the appraiser's certification. 2. I accept full responsibility for the contents of this appraisal report including, but not limited to, the appraiser's analysis, opinions, statements, conclusions, and the appraiser's certification. 3. The appraiser identified in this appraisal report is either a sub - contractor or an employee of the supervisory appraiser (or the appraisal firm), is qualified to perform this appraisal, and is acceptable to perform this appraisal under the applicable state law. 4. This appraisal report complies 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 at the time this appraisal report was prepared. 5. If this appraisal report was transmitted as an "electronic record" containing my "electronic signature," as those terms are defined in applicable federal and /or state laws (excluding audio and video recordings), or a facsimile transmission of this appraisal report containing a copy or representation of my signature, the appraisal report shall be as effective, enforceable and valid as if a paper version of this appraisal report were delivered containing my original hand written signature. APPRAISER Signature Name JOH J GAN Company Nam Company Address 340 EISENHOWER DRIVE, BLDG 800, SAVANNAH, GA 31406 Telephone Number (912) 354 -8363 Email Address jganemap @bellsouth.net Date of Signature and Report March 08, 2012 Effective Date of Appraisal MARCH 6, 2012 State Certification # CRA298 or State License # or Other (describe) State # State GA Expiration Date of Certification or License 5/31/2011 ADDRESS OF PROPERTY APPRAISED 1509 CHATHAM AVENUE TYBEE ISLAND, GA 31328 APPRAISED VALUE OF SUBJECT PROPERTY $ 750,000 LENDER/CLIENT Name Company Name DIANA WIDELL Company Address 3962 PORTLAND STREET, COPLAY, PA 18037 Email Address SUPERVISORY APPRAISER (ONLY IF REQUIRED) Signature Name Company Name Company Address Telephone Number Email Address Date of Signature State Certification # or State License # State Expiration Date of Certification or License SUBJECT PROPERTY ❑ Did not inspect subject property ❑ Did inspect exterior of subject property from street Date of Inspection ❑ Did inspect interior and exterior of subject property Date of Inspection COMPARABLE SALES ❑ Did not inspect exterior of comparable sales from street ❑ Did inspect exterior of comparable sales from street Date of Inspection Freddie Mac Form 70 March 2005 Page 6 of 6 Fannie Mae Form 1004 March 2005 Form 1004— •WinTOTAL“ appraisal software by a la mode, inc. — 1-800-ALAMODE Supplemental Addendum File No. 1 Pane #81 Borrower /Client GARRY CARLS Property Address 1509 CHATHAM AVENUE City TYBEE ISLAND County CHARLTON State GA Zip Code 31328 Lender DIANAWIDELL URAR : Improvements - Additional Features THE SUBJECT STRUCTURE WAS BUILT IN 1973 AND IS 2 LEVELS, FIRST LEVEL GARAGE, LIVING ROOM WITH FIREPLACE, KITCHEN /DINING AND BATH /LAUNDRY. SECOND LEVEL HAS 4 BEDROOMS AND ONE BATH. THE SUBJECT HAS A GOOD VIEW OF THE BACK RIVER AND HAS A DOCK AND FLOATING DOCK AND A CONCRETE BULKHEAD. ADDENDA: DISCLAIMERS: UNLESS OTHERWISE STATED WITHIN THIS REPORT, THE EXISTENCE OF HAZARDOUS MATERIALS INCLUDING, BUT NOT LIMITED TO TOXIC WASTE, ASBESTOS, RADON GAS OR UREA FORMALDEHYDE FOAM INSULATION, WHICH MAY OR MAY NOT BE PRESENT ON THE PROPERTY, WAS NOT RECOGNIZED BY THE APPRAISER. THE APPRAISER HAS NO KNOWLEDGE OF THE EXISTENCE OF SUCH MATERIALS ON OR IN THE PROPERTY. THE APPRAISER, HOWEVER, IS NOT QUALIFIED TO DETECT SUCH SUBSTANCES. THE CONCLUSIONS AND VALUE ESTIMATES, HEREIN ARE PREDICATED ON THE ASSUMPTION THAT THERE IS NO SUCH SUBSTANCE ON OR IN THE PROPERTY THAT WOULD CONTRIBUTE TO OR CAUSE A LOSS IN VALUE. NO RESPONSIBILITY IS ASSUMED FOR ANY SUCH CONDITION OR FOR THE EXPERTISE REQUIRED TO DISCOVER THEM. THE CLIENT IS URGED TO RETAIN AN EXPERT IN THIS FIELD, IF DESIRED. THE APPRAISAL CONFORMS TO THE UNIFORM STANDARDS OF PROFESSIONAL PRACTICE (USPAP) ADOPTED BY THE APPRAISAL STANDARDS BOARD OF THE APPRAISAL FOUNDATION, EXCEPT THAT THE DEPARTURE PROVISION OF THE USPAP SHALL NOT APPLY. THE APPRAISAL CONTAINS A SIGNED CERTIFICATE REQUIRED BY THE USPAP, AND AN ADDITIONAL STATEMENT THAT THE APPRAISAL ASSIGNMENT WAS NOT BASED ON A REQUESTED MINIMUM VALUATION, A SPECIFIC VALUATION OR THE APPROVAL OF A LOAN. THE APPRAISAL CONTAINS A SIGNED CERTIFICATE REQUIRED BY THE USPAP, AND AN ADDITIONAL STATEMENT THAT THE APPRAISAL ASSIGNMENT WAS NOT BASED ON A REQUESTED MINIMUM VALUATION, A SPECIFIC VALUATION OR THE APPROVAL OF A LOAN. THE DIGITAL SIGNATURE ON MY APPRAISALS ARE ENCRYPTED AND SECURED BY A SECRET CODE KNOWN ONLY TO ME. ALSO, THE CODE IS CHANGED FROM TIME TO TIME TO INSURE THE SAFENESS OF THE ENCRYPTION. THIS METHOD IS IN COMPLIANCE WITH THE USPAP STATEMENT 8. THE APPRAISAL INSPECTION SHOULD NOT BE CONSIDERED A HOME INSPECTION REPORT AND SHOULD NOT BE RELIED UPON TO REPORT THE CONDITION OF THE PROPERTY BEING APPRAISED. THE FEATURES AND DEFECTS NOTED IN OUR INSPECTION ARE SPECIFIED FOR COMPARISON PURPOSES AGAINST THE MARKET WHICH IS PART AND PARCEL OF THE APPRAISAL PROCESS. TITLE X DISCLOSURE WARNING STATEMENT THE SUBJECT DWELLING WAS BUILT PRIOR TO 1978 AND MAY PRESENT EXPOSURE TO LEAD FROM LEAD -BASED PAINT *LEAD POISONING *. THE SELLER OF ANY INTEREST IN RESIDENTIAL PROPERTY IS REQUIRED BY LAW TO PROVIDE BUYERS WITH ANY INFORMATION ON LEAD BASED PAINT HAZARDS FROM RISK ASSESSMENT IN THE SELLER'S POSSESSIONS. A RISK ASSESSMENT IS RECOMMENDED PRIOR TO PURCHASE OR OCCUPANCY. Form TADD — "WinTOTAL• appraisal software by a la mode, inc. — 1-800-ALAMODE 1 Pace #9t Subject Photo Page Borrower /Client GARRY CARLS Property Address 1509 CHATHAM AVENUE City TYBEE ISLAND County CHARLTON State GA Zip Code 31328 Lender DIANA WIDELL Subject Front 1509 CHATHAM AVENUE Sales Price N/A G.L.A. 2,321 Tot. Rooms 7 Tot. Bedrms. 4 Tot. Bathrms. 2 Location TYBEE ISLAND View BACK RIVER Site 9,063 SF Quality SIDING /GD Age 1973 _ _ „-+ .�' --"411111111110111111111111111m r - IKON 11 , . .:1LammillE ., , Form PIC4x6.SR — "WinTOTAL" appraisal software by a la mode, inc. — 1-800-ALAMODE Subject Rear Subject Street PTiL0 Subject Interior Photo Page Borrower /Client GARRY CARLS Property Address 1509 CHATHAM AVENUE City TYBEE ISLAND County CHARLTON State GA Zip Code 31328 Lender DIANA WIDELL Subject Interior 1509 CHATHAM AVENUE Sales Price N/A G.L.A. 2,321 Tot. Rooms 7 Tot. Bedrms. 4 Tot. Bathrms. 2 Location TYBEE ISLAND Mew BACK RIVER Site 9,063 SF Quality SIDING /GD Age 1973 1 i - - ...0 � - • —Plii–:'�b`-----._ __, 4 ,a Form PIC4x6.SI — 'WinTOTAL' appraisal software by a la mode, inc. —1. 800- ALAMODE Subject Interior Subject Interior 'Pane #111 Subject Interior Photo Page Borrower /Client GARRY CARLS Property Address 1509 CHATHAM AVENUE City TYBEE ISLAND County CHARLTON State GA Zip Code 31328 Lender DIANAWIDELL Subject Interior 1509 CHATHAM AVENUE Sales Price N/A G.L.A. 2,321 Tot. Rooms 7 Tot. Bedrms. 4 Tot. Bathrms. 2 Location TYBEE ISLAND View BACK RIVER Site 9,063 SF Quality SIDING /GD Age 1973 1/004' '111111S.1\k.441-1,,1 �"I, i ` .. r-. {e, • �l � 1!'; � ;? + ��,o 11' c 1 4; 1 j I . 4, .. 41 il - ' i L 'Ns. wr. 14 7 Form PIC4x6.Sl — "WinTOTAL" appraisal software by a la mode, inc. — 1-800-ALAMODE Subject Interior Subject Interior 1 Paae #12) Subject Interior Photo Page Borrower /Client GARRY CARLS Property Address 1509 CHATHAM AVENUE City TYBEE ISLAND County CHARLTON State GA Zip Code 31328 Lender DIANAWIDELL Subject Interior 1509 CHATHAM AVENUE Sales Price N/A G.L.A. 2,321 Tot. Rooms 7 Tot. Bedrms. 4 Tot. Bathrms. 2 Location TYBEE ISLAND View BACK RIVER Site 9,063 SF Quality SIDING /GD Age 1973 " i iir. • �/ y .,,. .a. I _ Form PIC4x6.SI — "WinTOTAL' appraisal software by a la mode, inc. — 1-800-ALAMODE Subject Interior Subject Interior 1 Paae #131 Subject Interior Photo Page Borrower /Client GARRY CARLS Property Address 1509 CHATHAM AVENUE City TYBEE ISLAND County CHARLTON State GA Zip Code 31328 Lender DIANAWIDELL Subject Interior 1509 CHATHAM AVENUE Sales Price N/A G.L.A. 2,321 Tot. Rooms 7 Tot. Bedrms. 4 Tot. Bathrms. 2 Location TYBEE ISLAND View BACK RIVER Site 9,063 SF Quality SIDING /GD Age 1973 Air!t tW,; !- ::". - Y 4 - .u. • -7 ..s ,` - • -- 'loitt,r, 41 - ra /iMrwila.s Form PIC4x6.Sl — "WinTOTAL" appraisal software by a la mode, inc. — 1-800-ALAMODE Subject Interior Subject Interior Pane #141 Subject Photo Page Borrower /Client GARRY CARLS Property Address 1509 CHATHAM AVENUE City TYBEE ISLAND County CHARLTON State GA Zip Code 31328 Lender DIANAWIDELL Subject Front 1509 CHATHAM AVENUE lb iill 1I!' III \ Fomi PIC4x6.TR — 'WinTOTAL' appraisal software by a la mode, inc. — 1-800-ALAMODE Subject Rear Subject Street I 1 Paae #151 Subject Photo Page Borrower /Client GARRY CARLS Property Address 1509 CHATHAM AVENUE City TYBEE ISLAND County CHARLTON State GA Zip Code 31328 Lender DIANA W IDELL „ A Subject Front 1509 CHATHAM AVENUE Form PIC4x6.TR — 'WinTOTAL' appraisal software by a la mode, inc. —1- 800 - ALAMODE Subject Rear Subject Street j Pale #161 Comparable Photo Page Borrower /Client GARRY CARLS Properly Address 1509 CHATHAM AVENUE City TYBEE ISLAND County CHARLTON State GA Zip Code 31328 Lender DIANA WIDELL Form PIC4x6.CR — •WinTOTAL" appraisal software by a la mode, inc. — 1-800-ALAMODE Comparable 1 1318 VENETIAN DRIVE Prox. to Subj. 0.20 miles N Sales Price 425,000 G.L.A. 1,916 Tot. Rooms 6 Tot. Bedrms. 2 Tot. Bathrms. 2 Location TYBEE ISLAND View LIMITED RIVER Site 5,257 SF /INF Quality FRAME /GD Age 1993 Comparable 2 18 TERESA LANE Prox. to Subj. 1.84 miles N Sales Price 750,000 G.L.A. 2,333 Tot. Rooms 6 Tot. Bedrms. 3 Tot. Bathrms. 2.1 Location TYBEE ISLAND View RIVER FRONT Site 10,807 SF /SIM Quality FRAME /GD Age 2000 Comparable 3 3 NEPTUNE LANE Prox. to Subj. 0.46 miles S Sales Price 1,075,000 G.L.A. 2,628 Tot. Rooms 8 Tot. Bedrms. 5 Tot. Bathrms. 3.1 Location TYBEE ISLAND View BACK RIVER Site 14,430SF /2LTS Quality FRAME /GD Age 2005 Paae #171 Comparable Sales Map Borrower /Client GARRY CARLS Property Address 1509 CHATHAM AVENUE City TYBEE ISLAND County CHARLTON State GA Zip Code 31328 Lender DIANA W IDELL a la mode, inc: TN ma, efUte tcatn0291. 80 Comparable # 2 18 TERESA LANE 1.84 miles N occ 5mc Comparable # 1 1318 VENETIAN DRIVE 0.20 miles N • Fort 5_._.e!! 'v � W J` P 26 F� L4 rttR e J ect� s b Q 4 r N Q ,2 a' t4+hsr n 2 3,d sz 48,64 Memonat Park Q 6 y Sr Syr sr c 4 Q e 6th r h P 20r Sr 8(h Sr 9th St 8(4 P! P 70(h St 70th f t ltd S 12th St .17th N' '3tlt St r�Illl lf'1 I SW f HAIHA %I RVI 'Atl Comparable # 3 3 NEPTUNE LANE 0.46 miles 5 7S(6 sr 26 i e e ry4 ,y� @IeJA CS( `per INS, <e IN pi N Temp, --a Form MAP.LOC — 'WinTOTAL' appraisal software by a la mode, inc. — 1- 800 - ALAMODE 1 Paae #181 Location Map Borrower /Client GARRY CARLS Property Address 1509 CHATHAM AVENUE City TYBEE ISLAND County CHARLTON State GA Zip Code 31328 Lender DIANA WIDELL Form MAP.LOC — "WinTOTAL' appraisal software by a la mode, inc. — 1-800-ALAMODE I Paae #191 Building Sketch Borrower/Client GARRY CARLS Property Address 1509 CHATHAM AVENUE City TYBEE ISLAND County CHARLTON State GA Zip Code 31328 Lender DIANA WIDELL co ^ �a 2.) Fr* Z -o r Tr: F -o -4pj. TT, —t_ -A- Cr I CERTIFIED PRINTERS. INC STOCIt 266 TIT, In I og AmoRt IT Ile 48. I2,2 Form SKT.81dSkl 'WinTOTAP appraisal software by a la mode, inc. — 1-800-ALAMODE Chatham County Board of Assessors: 2f" 1 Property Record Card 4- 0010- 03 -O0F Page 1 of 2 2011 Chatham County Board of Assessors Property Record Card APPRAISER mwthomas NORTH 53 FEET OF LOT 17 WARD 6 T YBEE ISLAND SAVANNAH BEACH LAST INSP 05/15/2007 APPR ZONE 000008 'SALES BOOK/ INS VI QU RSN PRICE PAGE 16 Sep 294N 0502 NA I U UN 2005 GRANTOR:CARLS GARRY L ' GRANTEE:CARLS GARRY L TRUSTEE* PERMITS TYPE DATE AMOUNT 10 -0277 030461 ,040287 GM 26 May 2010 Issued 385 12 Nov 2003 Comp 4,000 04 Apr 2003 Comp 7,000 COMMENTS: 101 Mar2011 16 Nov 2005 12 Jun 2001 TY11 RET VAL ENT; MLG ADDR CHGD PER RETURN *GARRY L CARLS RESIDENCE TRUST ADD CHG NOTE 6 -12 -2001 SSB .. ------1111`,H1 Jill row g!g. ne kI 4 I 144 4- 0010 -03 -008 1509 CHATHAM AVE TYBEE ISLAND CARLS GARRY L TRUSTEE* CAMA ASMT 3952 PORTLAND ST j 80$,40Q$08,400 LAND 2 COPLAY PA 18037 [Click for larger picture] SAG Cha i am County Tax Commissioner qty Tax Statement 149,200 2 = '73l0OO ;EXTRA FEATURES i ID# BLDG # SYSTEM DESC ,140670 WOOD DECK AV 140671 86493 2 "Decking /w post,pi 140672 86493 Dock roof wood 140673 86493 2 "FLoating /w post,pi 140674 86493 OPEN SLAB AV LAND ID# 111076 111077 USE DESC RIVER/DIRECT ACCESS RIVER/DIRECT ACCESS DIM 1 12 0 16 10 12 DIM 2 28 0 16 20 28 UNITS QL UNIT PRICE 336.00 U 7.98 681.00 G 23.55 256.00 G 9.50 200.00 G 22.88 336.00 G 4.02 RCN AYB EYB 2,681 2001 2001 16,038 1984 1984 2,432 1984 1984 4,576 1984 1984 1,351 2001 2001 14147,200 BLDG 1 7,500 7,500 OBXF 5 963,100 963,100 Cost - MS CODES :PROPERTY 0006 RESIDENTIAL USE UTA NBHD EXEMPTIONS HISTORY 2011 2010 .2009 12008 !2007 :2006 2005 2004 2003 .2002 :2001 :2000 1999 1998 1997 ;1996 1995 1994 1993 1992 0004 Tybee Island 020189.00 T189 TYBEE BACK RIVR LAND 808,400 1,796,300 1,796,500 1,796,500 1,796,500 831,000 700,500 200,500 200,500 100,500 100,500 100,500 63,450 63,450 63,450 63,450 63,450 IMPR 154,700 154,700 196,500 196,500 196,500 228,000 228,000 393,000 393,000 125,000 125,000 125,000 124,500 123,000 91,040 93,920 88,120 65,280 65,280 TOTAL 963,100 1,951,000 1,993,000 1,993,000 1,993,000 1,059,000 928,500 393,000 393,000 393,000 325,500 325,500 225,500 225,000 223,500 154,490 157,370 151,570 128,730 128,730 Cama Cama Over Cama Cama Cama Cama Over Over NC Cama Cama Cama Cama Cama Cama Cama Cama Over Over DT ECON FUNC SP SP% RCNLD MKT VALUE 2R 1,662 1,700 2R 3,208 3,200 2R 486 500 2R 915 900 IR 1,243 1,200 FRONT DEPTH UNITS / TYPE PRICE ZONING LCTN TOPO OTHER ADJ1 ADJ2 ADJ3 ADJ4 MKT VALUE 798800 SZ -90 9600 0 0 7,100.00 -SF 250.00 R2 0 0 850.00 -SF 250.00 R2 rr• rv2-6 lO -O2-� a`. ovtr ora� http: // boa. chathamcounty .org /DesktopModules/ ChathamCounty / BoardofAssessors /PropertyRecordCard. asp... 2/22/201: Chatham County Board of Assessors: 2e'' Property Record Card 4- 0010 -03 -008 Page 2 of 2 2011 Chatham County Board of Assessors Property Record Card 4- 0010 -03 -008 1509 CHATHAM AVE TYBEE ISLAND r BUILDING SECTION CONSTRUCTION TYPE RCN AYB YB DEP TYPE PHYS ECON FUNC OBSV / % TOTAL DEP % RCNLD U.FACTOR MKT VAL 86493-1 Residential 18. 66 1973 1:90 MS 21.00 0.00 0.00 0.00 21.00 147,150 147,200 se 28' 2i • [Click for larger picture] }1509 CHATHAM AVENUE SECTION TYPE 1 - Main AREA 2296 TYPE 1 - Single- family Residence FRAME 1 - Stud Frame STYLE 2 - Two Story QUALITY 4.00 CONDITION 3.00 # UNITS 0 # OF BEDS / BATHS 4 / 1.50 COMPONENTS Units % QUAL R1 108 Frame, Siding, Wood 100.00 R2 208 Composition Shingle 100.00 R3 352 Heat Pump 100.00 R4 402 Automatic Floor Cover Allowance R6 601 Plumbing Fixtures ( #) 7.00 R6 602 Plumbing Rough -ins ( #) 1.00 R6 621 Slab on Grade (% or SF) 100.00 R6 642 Single 2 -Story Fireplace ( #) 1.00 R7 701 Attached Garage (SF) 374.00 R11 904 Slab Porch (SF) with Roof 20.00 http: //boa. chathamcounty. org/ DesktopModules/ ChathamCounty/ BoardofAssessors /PropertyRecordCard. asp... 2/22/201. 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