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06-0449 JOHN WYLLY.pdf
CITY OF TYBEE ISLAND CERTIFICATE OF OCCUPANCY DATE COMPLETED: 03/06/07 This Certificate issued pursuant to the requirements of the Standard Building Code Certifying that at the time of issuance this structure was in compliance with the various ordinances of the Jurisdiction regulating building construction or use. PERMIT #: PROPOSED USE: OCCUPANCY TYPE: CONTACT NAME [116111, E REPAIRS — SF RESIDENTIAL BUILDING 0 JOHN WYLLY CONTACT STREET ADDRESS PO BOX 946 CONTACT CITY STATE ZIP TYBEE ISLAND GA 31328 PROPERTY ADDRESS APPROVED BY: 1716 CHATHAM AVE P. O. Box 2749 - 403 Butler Avenue, Tybee Island, Georgia 31328 (912) 786 -4573 - FAX (912) 786 -5737 www.cityoftybee.org I � ,. . -NT .9. - Inspection Report City of Tybee Island 403 0utler Avenue P.O. Box 2749 Tybee Island, GA 31320 Phone: (912) 7$6 -4573 extension 114 Fax: '912) 786- 9539 Permit War, 06" 0 4(4 - - -- Date Requested — - -- - - -- Owner's Name to (-4 11 U Carte Weeded Gen. Contractor 2 _ e_ '"__ Subcontractor Cant�ct �! u ber -- -.Ta k � �t� :.1 t {, �n (0 r7 - Ci pi - - - -- Date of Inspection 0'7 _ Type of Inspection ` - -- UCl/ `j14r41 ej 14 cl Lc-L e= V,4 7� OA) /)(/ 1i /, . r Tin, /2'r36 Inspector �_ - -- tj QMp - t� QUA IZ X- 7/ o1+V 4 3 A 1 L K Bernard Williams & Company INSURANCE AND FINANCIAL SERVICES SINCE 1934 2/2112007 John Wylly,III 117 Fairwind Rd Savannah, GA 31410 RE: Flood t 716 Chatham Ave Dear Mr. Wylly: Because the above property is a historic building and was originally built before the firm date of 1/14/1972, I do not need an elevation certificate for flood insurance. Please let me know if you need any additional information. Sincerely, h. W Gwin Baker Enc. 6001 Chatham Center Drive, Suite 230 • Post Office Box 22213 • Savannah, Georgia 31403 -2213 Telephone (912) 234 -4476 • FAX (912) 232 -8490 • www .bernardwilliamsinsurance.com #3: 00 F0i3� 11:48 FAX 322 232 8490 f,. s Gwin Baker &FR.NARD WILLI:AXS & Co From: Terrell, Carolyn [eterrelt@nfipstat -com) Sant;: Friday, February 03, 2005 4:50 PM To: Gwin Baker Cc: Bowen, Kathleen Subject: RE: Question about historical buildings (Thread:6936) 4002x'003 Page t of 2 Hi Ms_ Baker, A I hope this is the information you are requesting regarding historical buildings. Alt historic buildings are considered Pre -Firm as long as the building meets the definition of a historic building. Pre -Firm buildings that are substantially improved may continue being rated as Pre -Firm if certain conditions are satisfied- Pre -Firm rating is applicable ONLY when ALL of the following conditions are met; ✓- r v � l The building must be Pre-Firm- The substantial improvements must be an ADDITION to the building. (This condition excludes substantial improvements made as interior remodeling or repair projects.) J The ADDITION and extension must be next to and in contact with the existing building_ ( This condition does not apply to substantial improvements consisting of the construction of additional floors.) An Elevation Certificate must be submitted to the NFIP Underwriting Unit with the application or renewal. The Elevation Certificate must verify that the lowest floor elevation of the ADDITION is at or above the applicable base flood elevation in effect at the time the addition is started. �\ \C If ail of the above conditions are satisfied, the entire building is eligible for Pre -Firm rates. (Except for some V -Zone risks and some manufactured mobile home risks, Post -Firm rates provide less costly coverage And, therefore, the coverage may be rated using the lower Post -FILM rates.) If the above conditions are not satisfied, the entire building MUST be rated as Post -FIRM. The FEMA web site has many resources for consumers interested in the NFIP. Please see: http :/A wwv fema oovTnfsplinfocon shtm If you have additional questions, please contact the NFIP Help Center at 1 -866- 395 -7496. Thanks Carolyn Terrell From: Mack Rhoades [ mailto :Mack.Rhoades @mapmodteam.corn) Sent: Friday, February 03, 2006 2:59 PM To; Fxpert- support@nfipstat.com SUO)Oct: FW: Question about historical buildings (Thread:6936) Please mpond to gbaker@bwcxo com size -3 width=" 100%" align= centertabindex —l> From: Gwin Baker [mailto:gbaker@bwcco.com] Sent- Friday, February 03, 2006 2 :44 PM To. asktheexpert @maprnodteam.com Subject: Question about historical buildings (Thread:6936) i have a client that is about to purchase a historical dwelling.. Because of the size lot this house sits on, he plans 02/0612006 FEB 06,2006 12:40A BERNARD WILLIAM 912 232 8490 paqe 2 -- ---- :s.:r X -_.* oa.:. .60w ofav Dzf"Arw RiLLi:IXJ 6t LU WJ UU,3: UUJ Page 2 of 2 to move the house approx 30 ft so that he can build another structure on the same lot. The house is currently prefirn in an A zone. The house is elevated with an enclosure ( Maid Quarters ) Because of the historical nature of the house, he is not allowed to remove the enclosure_ The enclosure is below base flood. If he moves the house, would it still be prefirm or would a new date of construction be used, making it a submit for rate. Gwin Baku &emard Williams & Co 912 - 234 -4476 ex( 3050 912- 232 -8490 fax "bake bwcco. corn This email has been scarred by the MessageLabs Email Security System. For more information please visit http : / /www.messagelabs.congemail E -MAIL CONFIDENTIALM NOTICE: The contents of this e-mail message and any attachments are intended solely for the addressee(s) and may contain confidential and /or legally privileged information. If you are not the intended recipient of this message or if this message has been addressed to you in error, please immediately alert the sender by reply e-mail and then delete this message and any attachments. If you are not the intended recipient, you are notified that any use, dissemination, distribution, copying, or storage of this message or any attachment is strictly prohibited. 02/06/2006 FEB 06,2006 12:40A BERNARD WILLIAM 912 232 8490 page 3 1 06--2006 21:18 FAI 812 232 8490 BERNARD WILLIAMS & CO 10001;003 tl I d ' Yom. Fkrottt" -- wi 881 _ w• _!F( 1'tt f �' F s' Address tttp: //w m.fEma.gmirfW#9def2.Wmatt Hlaft � fig- High -rise condominium buildings have ftve or more units and at least • three floors excluding enclosure even if it Is the lowest floor for rating purposes. An enclosure below an eliwated building, even if it Is the lowest floor for rating purposes, cannot be counted 8S a floor to avold'clesstf&glhe building as lore rise - Histodc BIIkillimil-Any building that Is.- Listed individustly in the NatFQrittl Register of Historic places (e Meting maintained by the Departmef t ofd IntenOr) or prellminarliy determined by the Secretarir of ft Interior as meeft 1he requirements far indrAdual listing on the National Register; or CerMed or pmliminarity determined by the Secretary of the interior as conbibuting to Me historical significance of a registered historic district or a district preliminarily determined by the Secretary to qualify as a registered historic district; at Individually listed in a state Invent" of htstotic places in states with preservation programs that have been approved by the Secretary of the interior, or Individually listed on a local inventory of historic places In communities with historic preservation programs that MM been certified either. -@y an approved state program as determined by the Secretary of the Interior, or -- Directly by the Secretary of the Interior in states without approved programs- W#CrOOSW Cog of Ca WbOMM- Coverage for.expenses a property owner must trout, Move and beyond the cost to repair the physical damage the structure actually sustained from a flooding evens, to comply with mitigation requirements of State or local floodplatrt management ordinances or laws - Accspta ils rnitigatlon measures are etavafion, fioodproofing, relocation, demolition, or any combination thereof. L tier of DelermhudiDn Redew O.OM -FSMAs ruling on the determination made by a tender or third 130401`18t a gorrbvrer's building is to a Special flood Hazard Ama(S". A LOOR deals only with the location of a building relative to the 8f HA boundary shown on the Flood insurance Rata_Mari, Letter of asp Amendment (LOMA )_•,rn amendmentio the currently effective FEMA map which e>fbiiahesthata aroaerty is not located_in_a Smiai Flood Hazard Area -A LOMIA.is_issued ' irftrret' +''Start' l � "� �7s far G 2 �' � McrdsoFl i} ..�! ii�3 2 _InCernet �. [,�,, 8� � ► .�y �� . Comcast Webmail - Email Message From: "Gavin Baker" <gbaker @bwcco.com> To: <j.wylly @comcast.net> Subject: FW: Question Date: Tuesday, May 02, 2006 2:32:27 PM Gwin Baker 912 - 234 -4476 ext 3050 912- 232 -8490 fax gbaker@bwcco.com From: Holt, Lisa [mailto:Lisa.Holt @nfsmt.com] Sent: Tuesday, May 02, 2006 11:17 AM To: Gwin Baker Subject: FW: Question Here it is. Thanks Lisa Holt Customer Service Representative Flood Processing Center PO Box 2057 555 Corporate Dr Kalispell, MT 59901 Phone # 1- 800 -637 -3846 Fax # 406 - 756 -8263 email: lisa.holt @nfsmt.com - - - -- Original Message---- - From: Salo, Shaunda Sent: Tuesday, May 02, 2006 8:22 AM To: Holt, Lisa Cc: Erickson, Lindsey Subject: RE: Question Hi, Page 1 of 3 Yes they would have to cancel & rewrite, however on Rate page 15 it states that all historic building are considered Pre -Firm as long as the building meets the definition of a historic building -see page DEF4 if it meets this criteria then we would still rate prefirm O Hope this helps http: / /mailcenter2.comcast. net/ wmc/ v/ Wm/ 45DBO417000DF28000004DAA220588601497 ... 2/20/2007 Comcast Webmail - Email Message Thanks, Lindsey LindseyErickson Flood Processing Center Region 4 Supervisor PO Box 2057 Kalispell, MT 59903 Ph: 800-637-3846 ext 235 Fax: 406-756-8263 Page 3 of 3 E -MAIL CONFIDENTIALITY NOTICE: The contents of this e -mail message and any attachments are intended solely for the addressee(s) and may contain confidential and /or legally privileged information. If you are not the intended recipient of this message or if this message has been addressed to you in error, please immediately alert the sender by reply e -mail and then delete this message and any attachments. If you are not the intended recipient, you are notified that any use, dissemination, distribution, copying, or storage of this message or any attachment is strictly prohibited. http: / /mailcenter2.comcast. net/ wmc /v /wm/45DBO417000DF28000004DA A2205 88601497... 2/20/2007 Form 10-168a UNIT -7 STATES DEPARTMENT OF THE INTE' -)R OMB Approved Rev. 12/90 190 No, 1024 -0009 NATIONAL PARK SERVICE HISTORIC PRESERVATION CERTIFICATION APPLICATION : PART 1 — EVALUATION OF SIGNIFICANCE NPS Office Use Only NPS Office Use Only [14-R-IS No: Project No: Instructions: Read the instructions carefully before completing application. No certifications will be made unless a completed application form has been received. Type or print clearly in black ink. If additional space is needed, use continuation sheets or attach blank sheets. 1. Name of Property: Address of Property: Street 1714 Chatham Avenue City Tybee Island r County Chatham State Georgia Zip31328 Name of historic district: ❑ National Register district 2. Check nature of request: ❑ certified state or local district ❑ potential district ❑ certification that the building contributes to the significance of the above -named historic district (or National Register property) for the purpose of rehabilitation. ❑ certification that the structure or building, and where appropriate, the land area on which such structure or building is located contributes to the significance of the above -named historic district for a charitable contribution for conservation purposes ❑ certification that the building does not contribute to the significance of the above -named historic districL ® preliminary determination for individual listing in the National Register. ❑ preliminary determination that a building located within a potential historic district contributes to the significance of the district. ❑ preliminary determination that a building outside the period or area of significance contributes to the significance of the district. 3. Project contact: Name Robert A. Ciucevich - Quatrefoil Historic Preservation Consulting Street Fred Williams Buildina. 6205 Abercom Street Suite 211 City Savannah State Georgia Zip 31405 Daytime Telephone Number (912) 692 -1460 4. Owner: I hereby attest that the information I have provided is, to the best of my knowledge, correct, and that I own the property described above. I understand that falsification of factual representations in this application is subject to criminal sanctions of up to $10,000 in fines or imprisonment for up to five years pursuant to 18 U.S.C. 1001. Name 1h0mA Wifv -&, J.7 . • Vy r`' Signature Date y Organization Social Security or Taxpayer Identification Number Street City State Georgia Zip 31328 Daytime Telephone Number NPS Office Use Only The National Park Service has reviewed the *Historic Certification Application - Part 1" for the above -named property and hereby determines that the property : ❑ contributes to the significance of the above -named district (or National Register property) and is a "certified historic structure" for the purpose of rehabilitation. ❑ contributes to the significance of the above -named district and is a "certified historic structure' for a charitable contribution for conservation purposes in accordance with the Tax Treatment Extension Act of 1980. ❑ does not contribute to the significance of the above -named district. Preliminary determinations ❑ appears to meet the National Register Criteria for Evaluation and will likely be listed in the National Register of Historic Places if nominated by the State Historic Preservation Officer according to the procedures set forth in 36 CFR Part 60. ❑ does not appear to meet the National Register Criteria for Evaluation and will likely not be listed in the National Register, ❑ appears to contribute to the significance of a potential historic district, which will likely be listed in the National Register of Historic Places if nominated by the State Historic Preservation Officer. ❑ appears to contribute to the significance of a registered historic district but is outside the period or area of significance as documented in the National Register nomination or district documentation on file with the NPS. ❑ does not appear to qualify as a certified historic structure. Date National Park Service Authorized Signature National Park Service Office/Telephone, No. HISTORIC PRESERVATION Ralsed Tybee cottage CERTIFICATION APPLICATION — Property Name PART 1 NPS Office Use Only Project Number. 1714 Chatham Avenue Tybee Island GA 31328 Property Address 5. Description of physical appearance: Appears individually eligible for listing in the National Register. The cottage at 1714 Chatham Avenue was erected c1935 and is one of 110 Raised Tybee Cottages built by several different builders and contractors on Tybee during the mid 1920s through the mid 1950s. The Raised Tybee Cottage is a local building type found only on Tybee Island and no where else in Georgia. The building retains its complete structural and architectural integrity with only a few alterations. 1714 Chatham Avenue is an outstanding, well preserved example of the Raised Tybee Cottage type. The cottage is unlike most Raised Tybee Cottages built during the early 1930s as it does not feature servant quarters and bath /changing rooms on the ground level. Rather, three bedrooms, each with its own % bath, were included on the ground floor to provide additional living space. 1714 Chatham Avenue is a typical example of the type modified to meet the specific needs of the family for whom it was built. The cottage is a frame, rectangular, two -story beach house in which the main living quarters are situated on the raised level and additional bedrooms, bathrooms, and automobile stalls are located on the ground level. The cottage has a low pitched, asphalt shingle hip roof with slightly overhanging eaves, lateral exterior concrete block chimney, and a recessed wrap - around porch that extends the length of the facade (west elevation) and south elevations. Vinyl siding has been added over the original clapboard exterior of the raised main living quarters (except under the porch), which is raised a full story on trussed wood piers. The ground level is enclosed by a lattice work surround comprised of evenly spaced vertical slats measuring 3" wide and 1" deep that are affixed to a horizontal framing between exterior wood foundation piers. The front facade faces west toward the Back River and features a continuous lattice work surround along the ground level and a recessed porch along the raised main living section. An exterior wood staircase in the facade provides access to the raised porch and the formal entrance to the main living quarters. One set of hinged lattice garage doors provide access to the auto stall located on the south side of the ground level. The front facade of the raised main living quarters features paired and single 6/6 windows and a fully glazed entry door with multiple rectangular lights. The south elevation faces 18th Street and features a continuous lattice work surround along the ground level and a recessed porch along the length of the raised main living section. The south facade of the raised main living quarters features paired and single 616 windows and a pair of five panel wood doors that provide direct access to the porch from the bedrooms. (continued ) Date of Construction: 0935 Source of Date: Sabom Map, tax assessor records Date(s) of Aiteration(s): c1950s - 1970s Has building been moved? ❑ yes ® no If so, when? 6. Statement of significance: 1714 Chatham Avenue is significant in architecture, community planning, and recreation /entertainment as a good example of the type of seasonal beach houses that were built for middle class families on Tybee Island during the height of the resort's popularity and as a mid period example of the local "Raised Tybee Cottage" building type. The Raised Tybee Cottage is a local cottage type unique to Tybee Island and not found anywhere else in Georgia. The cottages compact, two - story, raised design, developed as a result of the introduction of the automobile to Tybee Island following the completion of the Tybee Road in 1923. The opening of the Tybee Road spurred a dramatic increase in the demand for oceanfront property, causing development and construction practices in the Strand district to be changed dramatically. Instead of one large cottage being built in the center of an original oceanfront lot, the lots were subdivided and many smaller cottages were built. The smaller size of the lots required a different type of cottage than those built on the island in previous years. The new cottage that developed as a result of these trends incorporated elements of older Tybee beach cottages - the Strand and South End /Back River cottages. The combination of the recessed wrap- around porches and compact square shape of the Back River Cottages and the ground level location of the changing rooms and servants quarters of the Strand Cottages allowed maximum utilization of the newly subdivided lots. The most significant evolutionary trait of the Raised Tybee cottage, however, is its full height ground level, which was raised a full story in order to incorporate garage space for automobiles into the new design. The ground level is enclosed with a characteristic lattice-work of vertical slats, while lattice garage doors provide access to the auto bay. The compact design of the Raised Tybee Cottage and its accommodation of the automobile are local characteristics that reflect the changes in land use and development trends brought on by the completion of the Tybee Road. 1714 Chatham Avenue retains a good degree of original fabric and is an outstanding, well preserved example of the Raised Tybee Cottage type. The cottage is unlike most Raised Tybee Cottages built during the early 1930s as it does not feature servant quarters and bath /changing rooms on the ground level. Rather, three bedrooms, each with its own Ys bath, were included on the ground floor to provide additional living space. 1714 Chatham Avenue is a typical example of the type modified to meet the specific needs of the family for whom it was built. The cottage displays all of the hallmarks of the type, including two -story height, overhanging eaves and recessed wrap - around porches, main living quarters raised on trussed wood piers, and ground level containing auto stall enclsoed with lattice work surround. Other features include an intact heart pine interior that retains its original varnished finish that was common for Tybee cottages of the early 20th century. 1714 Chatham Avenue, with its many design features, provides a glimpse into 1930s summer cottage life on Tybee Island. (continued) 7. Photographs and maps. Attach photographs and maps to application Continuation sheets attached: ® yes ❑ no Form 10 -168b Rev. 12!90 CONTINUATION / AMENDMENT SHEET Raised Tybee Cottage Historic Preservation Property Name Certification Application 1714 Chatham Ave, Tybee island, GA 31328 Property Address OMB Approved No. 1024 -0009 Instructions. Read the instruction carefully before completing. Type, or print clearly in black ink. Use this sheet to continue sections of the Part 1 and Part 2 application, or to amend an application already submitted. Photocopy additional sheets as needed. This sheet: ldcontinues Part 1 ❑continues Part 2 ❑amends Part 1 ❑amends Part 2 NIPS Project Number: Name Street State 5. Description of physical appearance (continued): The rear or east elevation faces the lane (un- opened 1" Avenue) and features single, standard sized 6/6 wood windows as well as smaller, single 6/6 windows where bathrooms are located. Almost all of the east elevation of the ground floor is balloon frame as additional rooms are located along the east side of the ground floor. Two bedrooms (Bedrooms #1 and #3 on attached floor plan), one on each side of two adjoining bathrooms (one bath for each room), are located along the east wall of the ground level. Two doors that open onto a small one -story stoop provide exterior access to the bedroom in the northeast corner (Bedroom #3) and its attached bathroom, respectively (the door to the bedroom is the original access door while the door to the bathroom is a non - historic alteration). An exterior wood staircase along the rear of the cottage provides private access between the raised main living quarters and the ground level. A lattice door at the foot of the stairs provides direct access to the ground level bedrooms. The north elevation of the cottage features both lattice work as well as balloon frame wall along the ground level. The balloon frame wall features 6/6 wood windows and is the north wall of two ground floor bedrooms (Bedrooms #2 and #3 located in the northeast corner of the ground floor). The north elevation of the raised living section features 616 wood windows and the north end of the wrap- around porch. The only other changes to the exterior of the cottage (apart from the installation of vinyl siding over the original clapboard siding) were made when the recessed porch was screened in and a large, raised shed addition was added on the rear. Although the porch retains its original 4x4 wood posts, wood decking, and bead board ceiling, the original balustrade was replaced with a balloon frame bottom wall and top framing. The shed addition, which appears to have been added during the late 1950s or early 1960s, replaced the top section of a two -tier stoop (the bottom tier is still extant). The raised main living quarters displays an intact, bungalow- derived floor -plan featuring a large, open common room with separate living and dining areas, kitchen, hall, two bedrooms, one full bathroom, built -in closets, and an office/family room (added late 1950s /early 1960s). The large common room and kitchen are located along the north side of the cottage while the bedrooms and bathroom are located along the south side. Both bedrooms feature access doors that lead directly onto the porch. The floor plan is centered on a small L- shaped hall that ties together the public and private spaces of the cottage. The cottage retains its original unpainted, heart pine interior, which was common for Tybee cottages during the early 20'n century. The interior features varnished paneling on walls and ceilings, with wall boards oriented vertically. All rooms feature hardwood floors, pine base boards and crown molding, simple pine door and window frames, and two -panel doors. The interior also retains an original brick -faced fireplace with pine board mantel located along the north wall of the dining room. The open ground level features one auto stall and three bed rooms, all of which are positioned between the trussed wood piers that support the raised main living quarters of the cottage. Wood piers measure 8 x 8 inches wide and rest on, and are bolted to, 1 x 1 foot wide, and 1 foot tall, poured concrete pillows. Areas underneath the porch remain characteristically open, while the auto stall and service- related rooms are all located underneath the main mass of the raised living section. Originally, the ground level featured separate, poured concrete walks that led to the ground level rooms and exterior stairs on the rear of the cottage, as well as concrete tread pads for the auto stall. A continuous concrete foundation was added later by filling in the earthen areas between the walkways with poured concrete Signatu Daytime Telephone N NIPS Office Use Only 3 The National Park Service has determined that these project amendments meet the Secretary of the Interior's "Standards for Rehabilitation." 3 The National Park Service has determined that these project amendments will meet the Secretary of the interior's `Standard for Rehabilitation" if the attached conditions are met. 3 The National Park Service had determined that these project amendments do not meet the Secretary of the Interior's "Standards for Rehabilitation " Date National Park Service Authorized Signature 3 See Attachments National Park Service Office/Telephone No. Form 10 -168b Rev. 12190 CONTINUATION / AMENDMENT SHEET Ralaad Tybee Cottage Historic Preservation Property Name Certification Application 1714 Chatham Ave, Tybee Island, GA 31328 Property Address OMB Approved No. 1024 -0009 Instructions. Read the instruction carefully before completing. Type, or print clearly in black ink. Use this sheet to continue sections of the Part 1 and Part 2 application, or to amend an application already submitted. Photocopy additional sheets as needed. This sheet: fiScontinues Part 1 ❑continues Part 2 ❑amends Part 1 ❑amends Part 2 NPS Project Number: 5. Description of physical appearance (continued): The auto stall is located off- center toward the south side of the ground level, and is accessed on the west side of the cottage through a pair of hinged lattice garage doors. The three ground level bedrooms are located in a cluster along a section of the north and east walls of the ground floor. Each bedroom features a private, built in 1/2 bath. Bedroom #1 and #2 are accessed through exterior doors within the enclosed ground level, while Bedroom #3 is accessed through a door along the east wall of the cottage. These rooms are balloon frame and feature clapboard exteriors, five -panel doors, and 616 windows. Interiors feature the same basic characteristics as the raised main living quarters: pine board walls and ceilings with wall boards oriented vertically; hard wood Floors; and simple pine door and window frames. The only changes to the ground level occurred during the 1970s when the three bedrooms were converted into an apartment. Cased openings were created between the rooms and Bedroom # 3 was converted into a kitchen. The walls of Bedroom #2 were covered over with paneling, while the bathroom was converted into as HVAC closet (probably for the cottage as a whole). 6. Statement of significance (continued): 1714 Chatham Avenue represents an important local building type that developed as a standard for beach house design on Tybee Island during the late 1920s and 1930s with variations on the cottage type persisting through the 1950s up to the present. State Zip City e Telephone Number. Date NPS Office Use Only • The National Park Service has determined that these project amendments meet the Secretary of the Interior's "Standards for Rehabilitation." • The National Park Service has determined that these project amendments will meet the Secretary of the Interior's "Standard for Rehabilitation" if the attached conditions are met. The National Park Service had determined that these project amendments do not meet the Secretary of the Interior's "Standards for Rehabilitation." Date National Park Service Authorized Signature See Attachments National Park Service Office/Telephone No. Office /Family Room tis *v Kitchen HVAC Dining Room Elevato Shaft Common Room Living Room Bedroom Porch Raised Tybee Cottage, Existing Floor Plan — Raised Main Living Quarters 1714 Chatham Ave, Tybee Island, Chatham County, GA 31328 Drawn by R.A. Ciucevich 2006 Porch (� Form 10 -168a UNI 'STATES DEPARTMENT OF THE INTE' R OMB Approved � Rev. 12r90 No. 1024 -0009 � HISTORIC PRE N APPLICATION PART 1 R1WT ION OF SI ICANCE NPS Office Use Only 1 9 2006 NPS Office Use Only _ Projec) _No: NRIS No: ---]NATIONAL PARK SERVICE Instructions: Read the instructions carefully before comp a made unless a completed application form has been received. Type or print clearly in black ink. If additional space is needed, use continuation sheets or attach blank sheets. 1. Name of Property: Address of Property: Street 1714 Chatham Avenue City Tybee Island County Chatham State Georgia Zip31328 Name of historic district: n/a ❑ National Register district ❑ certified state or local district ❑ potential district 2. Check nature of request: ❑ certification that the building contributes to the significance of the above -named historic district (or National Register property) for the purpose of rehabilitation. ❑ certification that the structure or building, and where appropriate, the land area on which such structure or building is located contributes to the significance of the above -named historic district for a charitable contribution for conservation purposes ❑ certification that the building does not contribute to the significance of the above -named historic district. ® preliminary determination for individual listing in the National Register. ❑ preliminary determination that a building located within a potential historic district contributes to the significance of the district. ❑ preliminary determination that a building outside the period or area of significance contributes to the significance of the district 3. Project contact: Name Robert A Ciucevich Quatrefoil Historic Preservation Consulting Street Fred Williams Building 6205 Abercom Street Suite 211 City Savannah State Georgia Zip 31405 Daytime Telephone Number (912) 692 -1460 4. Owner: 1 hereby attest that the information I have provided is, to the best of my knowledge, correct, and that I own the property described above. I understand that falsification of factual representations in this application is subject to cri -nal sanctions of up to $10,000 in fines or imprisonment for up to five years pursuant to 18 U.S.C. 1001- !/ j 5 I I to Name leh +i—r u hn rV . ��:Signature > — Date I / Organization Social Secur Taxpayer Identification Number Street r r J. , . [ City Sk a. r n •� L State Georgia Zip me" 3� yy o Daytime Telephone Number '7 NPS Office Use Only The National Park Service has reviewed the 'Historic Certification Application – Part 1' for the above -named property and hereby determines that the property: ❑ contributes to the significance of the above -named district (or National Register property) and is a "certified historic structure' for the purpose of rehabilitation. ❑ contributes to the significance of the above -named district and is a "certified historic structure' for a charitable contribution for conservation purposes in accordance with the Tax Treatment Extension Act of 1980. ❑ does not contribute to the significance of the above -named district. PreG ry determinations: 7amppears to meet the National Register Criteria for Evaluation and will likely be fisted in the National Register of Historic Places if nominated by the State Historic Preservation Officer according to the procedures set forth in 36 CFR Part 60. ❑ does not appear to meet the National Register Criteria for Evaluation and will likely not be listed in the National Register. ❑ appears to contribute to the significance of a potential historic district, which will likely be listed in the National Register of Historic Places if nominated by the State Historic Preservation Officer. ❑ appears to contribute to the significance of a registered historic district but is outside the period or area of significance as documented in the National Register nomination or district documentation on file with the NPS. ❑ does not appear to qualify as a certified historic structure. f Date N al Park Service Authori ed Signatu(r National Park Service Officefrelephone No. Georaia Department or Natural Resources Noel Holcomb, Commissioner Historic Preservation Division W. Ray Luce, Division Director and Deputy State Historic Preservation Officer 34 Peachtree Street, Suite 1600, Atlanta, Georgia 30303 Telephone (404) 656 -2840 Fax (404) 651 -8739 July 17, 2006 Robert Ciucevich Quatrefoil Consulting 6205 Abercorn Street Suite 211 Savannah, GA 31401 RE: 1714 Chatham Avenue, Tybee Island, Chatham County Dear Mr. Ciucevich: Per your request and based on the information submitted to our office on May 12, 2006, the house at 1714 Chatham Avenue, Tybee Island, Chatham County appears to be eligible for listing in the National Register of Historic Places as a good example of raised Tybee Island cottage constructed in the 1930s. Based on your letter dated May 10, 2006, it appears that the building will be eligible for listing in the National Register after "the building, which sits in the center of two building lots, [is shifted] to one side of the existing property in order to reclaim a second buildable lot." If you are interested in listing the property in the Georgia/National Registers of Historic Places, please complete a Historic Property Information Form and return it to our office with the supporting documentation. Please contact Martha Marcille, Tax Incentives Coordinator, with any questions on the tax incentives programs. If you have any questions or need additional information, please do not hesitate to contact me at 404/651 -6782 or by e -mail at gretctien—brock@dnr.sLete.ga.us. Sincerely, Gretchen Brock National Register Coordinator Historic Preservation Division cc: Martha Marcille, Tax Incentives Coordinator, Historic Preservation Division John C. Wylly, III Georg is Department or Natural Resources Wei Holcomb, commissioner Historic Preservation Division W. Ray Luce, Division Director and Deputy State Historic Preservation Officer 34 Peachtree Street, NW, Suite 1600, Atlanta, Georgia 30303 Telephone (404) 656 -2840 Fax (404) 657 -1040 www.gashpo.org July 12, 2006 John C. Wylly III 117 Fairwind Road Savannah, GA 31410 RE: Historic Preservation Certification Application 1714 Chatham Avenue, Savannah, Chatham County, GA Dear Mr. Wylly: The Historic Preservation Division (HPD) has completed its review of the Historic Preservation Certification Applications, PART ONE — EVALUATION OF SIGNIFICANCE and has sent the applications to the National Park Service (NPS) for its review and certification decision. OFFICIAL STATE RECOMMENDATION: [ X] PART ONE — EVALUATION OF SIGNIFICANCE HPD recommends a preliminary determination that the property is a "certified historic structure' for the purpose of rehabilitation. The property appears to meet the National Register Criteria for Evaluation and will likely be listed individually in the National Register of Historic Places. In order for a property owner to use federal tax credits for certified rehabilitation work, a National Register listing is required within 30 months of applying the credit to federal income taxes. The Survey and National Register Unit of HPD has reviewed the information comprising this nomination and will contact the nomination sponsor if additional information is necessary to complete the National Register nomination process. If you have questions regarding the status of this nomination, please contact Gretchen Brock, HPD's National Register Coordinator, at (404) 651 -6782. Our comments are the State Historic Preservation Office's recommendations to the National Park Service for its review of the application. NPS makes the final determination concerning certification of rehabilitation projects and will notify you directly of its decision in writing. If you wish to comment on this recommendation, contact Guy Lapsley of the National Park Service at (202)354 -2025. If HPD can be of further assistgRce;�Gqntact me at (404) 651 -5566. Tax Incentives cc: Bob Ciucevich, Project Contact Patricia Barefoot, Coastal RDC Page 1 of 16 UNIT 8 SUBSTANTIAL IMPROVEMENT AND SUBSTANTIAL DAMAGE In this unit This unit covers: The substantial improvement rule - how to regulate major additions and other improvements to buildings in the floodplain. • The substantial damage rule - how to regulate reconstruction and repairs to buildi that have been severely damaged. • Exceptions to the basic rules for some special cases. D CONTENTS INTRODUCTION......................................... ............................... A. SUBSTANTIAL IMPROVEMENT ........................... ............................... ProjectsAffected .................................... ............................... Post -FIRM buildings .................................. ............................... TheFormula .......................................... ............................... Projectcost ......................................... ............................... Marketvalue ......................................... ............................... Substantial Improvement Examples ..................... ............................... Example 1. Minor rehabilitation ...................... ............................... Example 2. Substantial rehabilitation ................ ............................... Example 3. Lateral addition — residential .............. ............................... Example 4. Lateral addition — nonresidential ........... ............................... Example 5. Vertical addition — residential ............. ............................... Example 6. Vertical addition — nonresidential .......... ............................... Example 7. Post -FIRM building —minor addition ......... ............................... Example 8. Post -FIRM building — substantial improvement ............................... B. SUBSTANTIAL DAMAGE ................................ ............................... Costto Repair ....................................... ............................... Substantial Damage Examples .......................... ............................... Example 1. Reconstruction of a destroyed building .... ............................... Example 2. Substantially damaged structure ........... ............................... Substantial Damage Software .......................... ............................... Increased Cost of Compliance ......................... ............................... C. SPECIAL SITUATIONS ................................ ............................... ExemptCosts ......................................... ............................... Historic Structures .................................. ............................... Corrections of Code Violations ....................... ............................... Example.............................................. ............................... INTRODUCTION In previous units we focused on the rules and regulations that prevent or reduce dam floods to new buildings. But what happens when the owner wishes to make an improveme such as an addition, to an existing building? What if a building is damaged by a fir other cause? Basic rule: If the cost of improvements or the cost to repair the damage exceeds 50 http://vvww.fema.gov/txt/floodplain/nfip_sg_*n 2/20/2007 Page 2 of 16 market value of the building, it must be brought up to current floodplain management That means an existing building must meet the requirements for new construction. People who own existing buildings that are being substantially improved will be requ make a major investment in them in order to bring them into compliance with the law. not be happy. If the buildings have just been damaged, they will be financially stra elected officials will want to help them, not make life harder for them. For these reasons, it is easy to see that this basic rule can be difficult to admini the one time when your regulatory program can reduce flood damage to existing buildi That's why this course devotes this unit to administering the substantial improvemen substantial damage regulations. In this reference guide, the term "building" is the same as the term "structure" in regulations. Your ordinance may use either term. The terms are reviewed in more deta Section E. F1 A. SUBSTANTIAL IMPROVEMENT 44 CFR 59.1. Definitions: "Substantial improvement" means any reconstruction, rehabi addition or other improvement to a structure, the total cost of which equals or exce the market value of the structure before the start of construction of the improvemen This section provides information on determining whether a building has been substan improved and on what NFIP requirements apply. PROJECTS AFFECTED All building improvement projects worthy of a permit must be considered. These inclu • Remodeling projects. • Rehabilitation projects. • Building additions. • Repair and reconstruction projects (these are addressed in more detail in Section substantial damage) If your community does not require permits for, say, reroofing, minor maintenance or projects under a certain dollar amount, then such projects are not subject to the su improvement requirements. However, if you have a larger project that includes reroof then it must include the entire cost of the project. One problem you may face is a builder trying to avoid the requirement by applying fo permit for only part of the job and then later applying for another permit to finish both applications are together worth more than 50% of the value of the building, the project should be considered a substantial improvement and subject to the rules. FEMA requires that the entire improvement project be counted as one. In order to hel enforce this, you may want to count all applications submitted over, say, one year a Check with your attorney on whether your ordinance clearly gives you the authority t and be sure to spell it out in the permit papers given to the applicant. http:// www .fema.gov /txt/floodplain/nflp_sg unit 8.txt 2/20/2007 Page 3 of 16 Some communities require that improvements be calculated cumulatively over several y All improvement and repair projects undertaken over a period of five years, 10 years of the structure are added up. When they total 50 percent, the building must be brou compliance as if it were new construction. The Community Rating System credits keeping track of improvements to enforce a cumulative substantial improvement requirement. It also credits using a lower threshold than 50 percent. These credits are found under Activity 430, Section 431.c and d in the CRS Coordinator's Manual and the CRS Application. See also CRS Credit for Higher Regulatory Standards for example regulatory language. Post -FIRM buildings The rules do not address only pre -FIRM buildings —they cover all buildings, post -FIRM ones included. In most cases, a post -FIRM building will be properly elevated or otherwise compliant regulations for new construction. However, sometimes a map change results in a highe change in FIRM zone. A substantial improvement to a post -FIRM building may require t building be elevated to protect it from the new, higher, regulatory BFE. It should be remembered that all additions to a post -FIRM building must be elevated as high as the BFE in effect when the building was built. (You can't allow a complia to become noncompliant by allowing additions at grade.) If a new, higher BFE has bee since the building was built, additions that are substantial improvements must be el new BFE. THE FORMULA A project is a substantial improvement if: Cost of improvement project > 50 percent Market value of the building For example, if a proposed improvement project will cost $30,000 and the value of th building is $50,000: $30,000 = 0.6 (60 percent) $50,000 The cost of the project exceeds 50 percent of the building's value, so it is a subst improvement. The floodplain regulations for new construction apply and the building 0 the post -FIRM construction requirements. If the project is an addition, only the add be elevated (see the examples later in this section). The formula is based on the cost of the project and the value of the building. These numbers must be reviewed in detail. Project cost http://www.fema.gov/txt/floodplain/nfip__sg_*n 2/20/2007 Page 4 of 16 The cost of the project means all structural costs, including • all materials • labor • built -in appliances • overhead • profit • repairs made to damaged parts of the building worked on at the same time A more detailed list is included in Figure 8 -1. To determine substantial improvement, you need a detailed cost estimate for the proj prepared by a licensed general contractor, professional construction estimator or yo Your office must review the estimate submitted by the permit applicant. To verify it use your professional judgment and knowledge of local and regional construction cost can use building code valuation tables published by the major building code groups. tables can be used for determining estimates for particular replacement items if the structure in question is listed in the tables. There are two possible exemptions you should be aware of: 1) improvements to correct violations do not have to be included in the cost of an improvement or repair projec historic buildings can be exempted from substantial improvement requirements. These explained in more detail later on. Market value In common parlance, market value is the price a willing buyer and seller agree upon. market value of a structure reflects its original quality, subsequent improvements, of building components and current condition. However, market value for property can be different than that of the building itself value of developed property varies widely due to the desirability of its location. F two houses of similar size, quality and condition will have far different prices if coast, or in the best school district, or closer to town than the other —but the valu building materials and labor that went into both houses will be nearly the same. For the purposes of determining substantial improvement, market value pertains only structure in question. It does not pertain to the land, landscaping or detached acce on the property. Any value resulting from the location of the property should be att value of the land, not the building. rl Items to be included — All structural elements, including: — Spread or continuous foundation footings and pilings — Monolithic or other types of concrete slabs — Bearing walls, tie beams and trusses — Floors and ceilings http:// www .fema.gov /bcUfloodplain/nfip_sg unit_8.txt 2/20/2007 Page 5 of 16 - Attached decks and porches - Interior partition walls - Exterior wall finishes (brick, stucco, siding) including painting and moldings - Windows and doors - Reshingling or retiling a roof - Hardware - All interior finishing elements, including: - Tiling, linoleum, stone, or carpet over subflooring - Bathroom tiling and fixtures - Wall finishes (drywall, painting, stucco, plaster, paneling, marble, etc.) - Kitchen, utility and bathroom cabinets - Built -in bookcases, cabinets, and furniture - Hardware - All utility and service equipment, including: - HVAC equipment - Plumbing and electrical services - Light fixtures and ceiling fans - Security systems - Built -in kitchen appliances - Central vacuum systems - Water filtration, conditioning, or recirculation systems - Cost to demolish storm - damaged building components - - -- Labor and other costs associated with moving or altering undamaged building components to accommodate improvements or additions - - -- Overhead and profits Items to be excluded - Plans and specifications - Survey costs - Permit fees - Post -storm debris removal and clean up - Outside improvements, including: - Landscaping - Sidewalks - Fences - Yard lights - Swimming pools - Screened pool enclosures - Detached structures (including garages, sheds and gazebos) - Landscape irrigation systems Figure 8 -1. Items included in calculating cost of the project 0 Acceptable estimates of market value can be obtained from these sources: • An independent appraisal by a professional appraiser. The appraisal must exclude t value of the land and not use the "income capitalization approach" which bases value on the use of the property, not the structure. • Detailed estimates of the structure's actual cash value- the replacement cost for building, minus a depreciation percentage based on age and condition. For most http:// www. fema.gov /txt/floodplain/nfip_sg— unit -8.txt 2/20/2007 Page 6 of 16 situations, the building's actual cash value should approximate its market value. Yo community may prefer to use actual cash value as a substitute for market value, especially where there is not sufficient data or enough comparable sales. • Property values used for tax assessment purposes with an adjustment recommended by the tax appraiser to reflect current market conditions (adjusted assessed value). • The value of buildings taken from NFIP claims data (usually actual cash value). • Qualified estimates based on sound professional judgment made by the staff of the local building department or tax assessor's office. Some market value estimates are often used only as screening tools (i.e., NFIP claim and property appraisals for tax assessment purposes) to identify those structures wh substantial improvement ratios are obviously less than or greater than 50 percent (i 40 percent or greater than 60 percent). For structures that fall in the 40 percent t range, more precise market value estimates are sometimes necessary. D SUBSTANTIAL IMPROVEMENT EXAMPLES Example 1. Minor rehabilitation A rehabilitation is defined as an improvement made to an existing structure which do affect the external dimensions of the structure. If the cost of the rehabilitation is less than 50 percent of the structure's market building does not have to be elevated or otherwise protected. However, it is advisab incorporate methods to reduce flood damage, such as use of flood- resistant materials installation of electrical, heating and air conditioning units above the BFE. Figure'8 -2 shows a building that had a small rehabilitation project. Central air con was installed and the electrical system was upgraded. The value of the building befo project was $60,000. The value of the project was $12,000: $12,000 = 0.2 (20 percent) The project costs less than 50 percent of the $60,000 building, so this is not a substantial improvement. Figure 8 -2. Minor rehabilitations use flood- resistant methods and materials Neither structure would benefit from post -FIRM flood insurance rates because they are not elevated. Note: To gauge what happens to flood insurance premiums if a substantially improved building is not brought up to post -FIRM standards, see Figures 7 -7 through 7 -12. n Example 2. Substantial rehabilitation If the rehab costs more than 50 percent of the value of the building, your ordinance that an existing structure be elevated and /or the basement filled to meet the elevat Figure 8 -3 shows a building that has been allowed to run down. It's market value is To rehab it will require gutting the interior and replacing all wallboard, built -in bathroom fixtures and furnace. The interior doors and flooring will be repaired. The get new siding and a new roof. The cost of this rehab will be $25,000: http:// www. fema .gov /txt/floodplain/nfip_sg_u t_8.txt 2/20/2007 Page 7 of 16 $25,000 = 71.4 percent Because total cost of the project is greater $35,000 than 50 %the rehab is a substantial improvement Figure 8 -3. substantially rehabilitated building elevated above the BFE. In A Zones, elevation may be on fill, crawlspace, columns, etc. In V Zones, only pil other open foundations are allowed. The new structure would benefit from post -FIRM f rates. Example 3. Lateral addition — residential Additions are improvements that increase the square footage of a structure. Commonly includes the structural attachment of a bedroom, den, recreational room garage or of addition to an existing structure. Note that if one building is attached to another covered breezeway or similar connection, it is a separate building and not an additi When an addition is a substantial improvement, the addition must be elevated or floodproofed, providing that improvements to the existing structure are minimal. Fig and 8 -5 illustrate lateral additions that are compliant. Depending on the flood zone and details of the project, the existing building may no be elevated. The determining factors are the common wall and what improvements are m the existing structure. If the common wall is demolished as part of the project, the structure must be elevated. If only a doorway is knocked through it and only minimal done, then only the addition has to be elevated. In A Zones only, if significant improvements are made to the existing structure (suc kitchen makeover), both it and the addition must be elevated and otherwise brought i compliance. Some states and many communities require that both the existing structur lateral additions be elevated in all cases. In V Zones, the existing structure always has to be elevated, placed on an engineere foundation system, etc., when an addition is proposed that constitutes a substantial This is due to the "free -of obstruction" standard whereby the lower existing structu obstruct the storm surge, causing damage to the addition. Figure 8 -4. Lateral additions to a residential building in an A Zone. In V Zones, the entire building must be elevated on pilings, columns or other open f El structure on the left would not benefit from post -FIRM flood insurance rates because Example 4. Lateral addition — nonresidential A substantial improvement addition to a nonresidential building may be either elevat floodproofed. Otherwise, all the criteria for residential buildings reviewed in Exam met. If floodproofing is used, the builder must ensure that the wall between the addition http:// www. fema .gov /txUfloodplain/nfip_sg_un _8.txt 2/20/2007 Page 8 of 16 original building is floodproofed. Floodproofing is not allowed as a construction me Zones. Figure 8 -5. Lateral addition to a nonresidential building in an A Zone. This approach is not allowed in V Zones. The structure would not benefit from post -F insurance rates because the original building was not elevated or flood - proofed. rl Example S. Vertical addition — residential When the proposed substantial improvement is a full or partial second floor, the ent structure must be elevated (Figure 8 -6). In this instance, the existing building pro foundation for the addition. Failure of the existing building would result in failur addition, too. Figure 8 -6. Vertical addition to a residential building in a V Zone. The new structure would benefit from post -FIRM flood insurance rates. Example 6. Vertical addition — nonresidential When the proposed substantial improvement is a full or partial second floor, the ent structure must be elevated or floodproofed (Figure 8 -7). The owner could obtain post -FIRM rates on the building if it is floodproofed to one above the BFE and he has a floodproofing certificate signed by a registered engineer optional approach is to elevate the entire building and obtain an elevation certific Figure 8 -7. Vertical addition to a nonresidential building in an A Zone. The new floodproofed structure would benefit from post -FIRM flood insurance rates. Example 7. Post -FIRM building —minor addition All additions to post -FIRM buildings are defined as new construction and must meet t requirements of your floodplain management ordinance regardless of the size or cost addition (Figure 8 -8). A small addition to a residential structure that is not a sub improvement must be elevated at least as high as the BFE in effect when the building Minor additions to nonresidential structures can be floodproofed to the BFE. If a map revision has taken place and the BFE has increased, only additions that are substantial improvements have to be elevated to the new BFE or flood- proofed (nonres buildings only). h4:// www. fema. gov /txt/floo,lplain/nfip_sg_*t_8.txt 2/20/2007 Page 9 of 16 Figure 8 -8. Small additions to post -FIRM buildings must be elevated. Example 8. Post -FIRM building — substantial improvement Substantial improvements made to a post -FIRM structure must meet the requirements of current ordinance. Figure 8 -9 shows a lateral addition made after a map revision too the BFE was increased. Figure 8 -9. Substantial improvements to post -FIRM buildings must be elevated above t new BFE. Nonresidential buildings may be floodproofed B. SUBSTANTIAL DAMAGE 44 CFR 59.1. Definitions: "Substantial damage" means damage of any origin sustained structure whereby the cost of restoring the structure to its before damaged conditio exceed 50 percent of the market value of the structure before the damage occurred. Two key points: • The damage can be from any cause — flood, fire, earthquake, wind, rain, or other natural or human- induced hazard. • The substantial damage rule applies to all buildings in a flood hazard area, regar of whether the building was covered by flood insurance. The formula is essentially the same as for substantial improvements: Cost to repair > 50 percent Market value of the building Market value is calculated in the same way as for substantial improvements. Use the damage market value. COST TO REPAIR Notice that the formula uses "cost to repair," not "cost of repairs." The cost to re structure must be calculated for full repair to the building's before- damage conditi owner elects to do less. It must also include the cost of any improvements that the opted to include during the repair project. The total cost to repair includes the same items listed in Figure 8 -1. As shown in E below, properly repairing a flooded building can be more expensive than people reali owner may opt not to pay for all of the items needed. The owner may: • Do some of the work, such as removing and discarding wallboard. • Obtain some of the materials free. http:// www. fema. gov/ txt Jfloodplain/nfip_sg_unit_8.txt 2/20/2007 Page 10 of 16 • Have a volunteer organization, such as the Mennonites, do some of the work. • Decide not to do some repairs, such as choosing to nail down warped flooring rathe than replace it. L Basic rule: Substantial damage is determined regardless of the actual cost to the ow figure the true cost of bringing the building back to its pre- damage condition using materials obtained at market prices. The permit office and the owner may have serious disagreements over the total list o repairs and their cost, as the owner has a great incentive to show less damage than occurred in order to avoid the cost of bringing the building into compliance. Here a that can help you: • Get the cost to repair from an objective third -party or undebatable source, such a A licensed general contractor: - A professional construction estimator. Insurance adjustment papers (exclude damage to contents). Damage assessment field surveys conducted by building inspection, emergency management or tax assessment agencies after a disaster. - Your office. • Even if your office does not prepare the cost estimate, it needs to review the est submitted by the permit applicant. You can use your professional judgment and knowledge of local and regional construction costs. Or, you can use building code valuation tables published by the major building code groups. • Use an objective system that does not rely on varying estimates of market value or different opinions of what needs to be repaired. The Substantial Damage Estimator Program discussed later in this section will do this. • Publicize the need for the regulations and the benefits of protecting buildings fr future flooding. A well - educated public won't argue as much as one that sees no need for the requirement. • Help the owner find financial assistance to meet the extra cost of complying with code. If there was a disaster declaration, there may be sources of financial assista as discussed in the next unit. If the owner had flood insurance and the building was substantially damaged by a flood, the new Increased Cost of Compliance coverage will help (see next section). n SUBSTANTIAL DAMAGE EXAMPLES Example 1. Reconstruction of a destroyed building h4:// www. fema. gov/ txVfloodplain /nfip_sg_unit_8.txt 2/20/2007 Page 11 of 16 Reconstructions are cases where an entire structure is destroyed, damaged, purposefu demolished or razed, and a new structure is built on the old foundation or slab. The applies when an existing structure is moved to a new site. Reconstructions are, quite simply, "new construction." They must be treated as new buildings. Razed or "totaled" building Reconstruction on with remaining foundation existing foundation Figure 8 -10. A reconstructed house is new construction. This example is for A Zones only. A new building in the V Zone must be elevated on p C] Example 2. Substantially damaged structure To determine if a damaged structure meets the threshold for substantial damage, the repairing the structure to its before - damaged condition is compared to the market va structure prior to the damage. The estimated cost of the repairs must include all co to fully repair the structure to its before - damaged condition. If equal to or greater than 50 percent of that structure's market value before damag structure must be elevated (or floodproofed if it is nonresidential) to or above the base flood, and meet other applicable local ordinance requirements. This is the basi for substantial damage. Figure 8 -11 graphically illustrates the amount of damage that can occur to a buildin only four feet deep. Even though the structure appears sound and there are no cracks the foundation, the total cost of repair can be significant. The cost of repair after a flood that simply soaked the building will typically incl following structural items: — Remove all wallboard and insulation. Install new wallboard and insulation. — Tape and paint. — Remove carpeting and vinyl flooring. Dry floor, replace warped flooring. — Replace cabinets in the kitchen and bathroom. — Replace built -in appliances. — Replace hollow -core interior doors. — Replace furnace and water heater. — Clean and disinfect duct work. — Repair porch flooring and front steps. — Clean and test plumbing (licensed plumber may be required). — Replace outlets and switches, clean and test wiring (licensed electrician may be required). hnp:// www. fema.gov /txt/floodplain/nfip_sg_ unit 8.txt 2/20/2007 Page 13 of 16 For further information on how ICC coverage works and how you can help policyholders community qualify for the coverage, refer to National Flood Insurance Program's Incr Cost of Compliance Coverage: Guidance for State and Local Officials, FEMA 301. In certain cases, an ICC claim can be filed if the building is repetitively flooded, two or more claims averaging 25% or more of building value within a ten -year period, the community has language in the flood damage ordinance that implements the substan damage rule in these cases. Figure 8 -12 has example ordinance language. This language exceeds the minimum NFIP requirements, but would be needed if you wanted to trigger the ICC provision for rep damaged buildings. The Community Rating System credits keeping track of improvements to enforce a cumulative substantial improvement requirement. The 1999 CRS Coordinator's Manual credits the ordinance language in Figure 8 -12. These credits are found under Activity 430, Section 431.c in the CRS Coordinator's Manual and the CRS Application. Option 1 A. Adopt the Following Definition: "Repetitive Loss" means flood - related damage sustained by a structure on two separat occasions during a 10 -year period for which the cost of repairs at the time of each event, on the average, equals or exceeds 25 percent of the market value of the struc the damage occurred. B. And modify the "substantial improvement" definition as follows: "Substantial Improvement" means any reconstruction, rehabilitation, addition, or oth improvement of a structure, the cost of which equals or exceeds 50 percent of the ma of the structure before the "start of construction" of the improvement. This term in structures which have incurred "repetitive loss" or "substantial damage ", regardless repair work performed. Option 2 Modify the substantial damage definition as follows: h4:// www. fema. gov/ txUfloodplain/nfip_sg_unit_8.txt 2/20/2007 "Substantial Damage" means damage of any origin sustain( restoring the structure to its before damaged condition market value of the structure before the dam -age occurr, flood - related damage sustained by a structure on two se period for which the cost of repairs at the time of eac or exceeds 25 percent of the market value of the struct NOTE l: Communities need to make sure that these defini management requirements for new construction and substz requirements of the ordinance, such as the permit requi provision. NOTE 2: An ICC Claim Payment is ONLY made for flood- related damage. The substantial damage part of the definition must still include "damage of any origin" to be compli minimum NFIP Floodplain Management Regulations. Figure 8 -12. Sample ordinance language for ICC repetitive loss definitions Source: -- Increased Cost of Compliance Coverage: Guidance for State and Local Officials, FEMA -301, September 2003. This language is only needed to trigger an ICC payment for a repetitive loss. No ordinance changes are needed for the ICC coverage for substantial damage. n C. SPECIAL SITUATIONS As explained in previous sections, the substantial improvement and substantial damag requirements affect all buildings regardless of the reason for the improvement or th damage. There are three special situations you should be aware of: exempt costs, his buildings and corrections of code violations. EXEMPT COSTS Certain costs related to making improvements or repairing damaged buildings do not h be counted toward the cost of the improvement or repairs. These include: • Plans and specifications. • Surveying costs. • Permit fees. • Demolition or emergency repairs made for health or safety reasons or to prevent further damage to the building. • Improvements or repairs to items outside the building, such as the driveway, fenci landscaping and detached structures. HISTORIC STRUCTURES Historic structures are exempted from the substantial improvement requirements subje the criteria listed below. The exemption can be granted administratively if the curr definitions of substantial improvement and historic structure are included in your o they can be granted through a variance procedure. http:// www. fema .gov /txt/floo,iplain/nfip_sg_u t_8.txt 2/20/2007 Page 15 of 16 In either case, they are usually granted subject to conditions. If the improvements to a historic structure meet the following three criteria and ar by the community, the building will not have to be elevated or floodproofed. It can pre -FIRM flood insurance rating status. 1> The building must be a bona fide "historic structure." Figure 7 -13 has the defini that must be followed. L1 2. The project must maintain the historic status of the structure. If the proposed improvements to the structure will result in it being removed from or ineligible for Register or federally- certified state or local inventory, then the proposal cannot b exemption from the substantial improvement rule. The best way to make such determinations is to seek written review and approval of proposed plans by the local historic preservation board, if it is federally - certifie historic preservation office. If the plans are approved, you can grant the exemption exemption can be permitted. 3. Take all possible flood damage reduction measures. Even though the exemption to t substantial improvement rule means the building does not have to be elevated to or a or be renovated with flood- resistant materials that are not historically sensitive, and should be done to reduce the flood damage potential. Examples include: • Locating mechanical and electrical equipment above the BFE or flood - proofing it. • Elevating the lowest floor of an addition to or above the BFE with the change in f elevation disguised externally. CORRECTIONS OF CODE VIOLATIONS The NFIP definition of substantial improvement includes another exemption: 44 CFR 59.1 Definitions: "Substantial improvement" means .... The term does not, howev include ... Any project for improvement of a structure to correct existing violations health, sanitary, or safety code specifications which have been identified by the to enforcement official and which are the minimum necessary to assure safe living condi Note the key words in this exemption: correct existing violations, identified by the official, and minimum necessary to assure safe conditions. This language was include to avoid penalizing property owners who had no choice but to make improvements to th buildings or face condemnation or revocation of a business license. This exemption was intended for involuntary improvements or violations that existed the improvement permit was applied for or before the damage occurred —for example, a restaurant owner who must upgrade the wiring in his kitchen in order to meet current state health and safety codes. You can only exempt the items specifically required by code. For example, if a singl tread was defective and had to be replaced, do not exempt the cost of rebuilding the stairway. Similarly, count only replacement in like kind and what is minimally neces owner chooses to upgrade the quality of a code - required item, the extra cost is not the formula —it's added to the true cost of the improvement or repairs. Unfortunately, many property owners and builders pressure local building official to "code violation corrections" from their voluntary improvement proposals. There are " violations" in all structures built before the current code was enacted. 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GA 31328 FOR: THE SAVANNAH BANK -BULL 25 BULL STREET SAVANNAH, GA 31402 -0188 AS OF: 2/23/06 BY: MICHAEL J. BANDY Form GA3 — °WinTOTAL^ appraisal software by a la mode, inc. —1- 800 - ALAMODE File No. M07326021 Pace #2 THE SAVANNAH BANK -BULL 25 BULL STREET SAVANNAH, GA31402 -0188 Re: Property. 1714 CHATHAM AVENUE TYBEE ISLAND, GA 31328 Borrower: JOHN WYLLY, III & JULIA WYLLY 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. N. ICHAE J BANDY Johnnie Ganem Appraisal Comparry Exterior-OnIV Inspection Residential Anoraisal Renort L2.R RA 7,vmn-i The purpose of this summary appraisal report is to provide the lender /c(ient with an accurate, and adequately supported, opinion of the market value of the subject property. Property Address 1714 CHATHAM AVENUE CRY TYBEE ISLAND State GA Zip Code 31328 Borrower JOHN W)%A) III & JULIA WYLLY Owner of Public Record CATHERINE COOPER LONG County CHATHAM Le al Descri lion LOT 20 WARD 5 TYBEE ISLAND SAVANNAH BEACH Assessor's Parcel # 4- 0009 -01 -004 Tax Year 2005 R.E. Taxes $ 6,022.00 €ST Neighborhood Name TYBEE ISLAND SAVANNAH BEACH Map Reference TYBEE Census Tract 0111.03 Occu ant ® Owner ❑ Tenant Vacant Special Assessments $ NONE ❑ PUD HOA $ N/A ❑ Per year ❑ per month " Property Rights Appraised ® Fee Simple ❑ Leasehold ❑ Other describe Assignment Type ® Purchase Transaction ❑ Refinance Transaction ❑ Other describe Lender/Client THE SAVANNAH BANK -BULL Address 25 BULL STREET PO BOX 188 SAVANNAH GA, 31402 -0188 Is the subject property currently offered for sale or has lf been offered for sale in the twelve months prior to the effective date of this appraisal? ® Yes [-]No Report data sources used, offering rice s , and date(s). LENDERIAPPRAISER DATAIMLSE THE SUBJECT WAS NEVER LISTED PUBLICLY. 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. THE SUBJECT IS CURRENTLY UNDERC ONTRACT FOR $750,000. THE CLOSING DATE IS SET FOR 3006. Contract Price $ 750,000 Date of Contract 1/14/2006 Is the property seller the owner of pubic record? ® Yes El No Data Source (s) Is there any financial assistance (ban charges, sale concessions, gift or downpaymeht assistance, etc.) to be paid by any party on behalf of the borrower? ❑ Yes ® No It Yes, reW the total dollar amount and describe the items to be paid. NONE 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 Pro a Values Increasing Stable Declining PRICE AGE One -Unit 75 % Buift -Up Over 75% 25-75% Under 25% Demand/Supply Shortage In Balance Over Supply $ 000 rs 2 -4 Unit 10% Growth Rapid M Stable LJ Slow I Marldrig Time M Under 3 mths El 3-6 mths Lj Over 6 mths 250 Low NEW Multi-Family 5 % Neighborfrood Baadaries THE SUBJECT IS BOUND ON ALL SIDES BY RIVERS, MARSH LANDS AND 2,50o High 100 Commercial 5% •, THE ATLANTIC OCEAN. 450 Peed. 25 Other 5% Neighborhood Description THE SUBJECT IS LOCATED ON TYBEE ISLAND, THE EASTERNMOST ISLAND OF CHATHAM COUNTY. TYBEE IS A 20 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 CONDITIONS EXIST IN THE AREA THE DEMAND FOR HOUSING IN THE AREA IS GOOD. NO UNUSUAL CONCESSIONS APPEAR TO BE NECESSARY. THE SUBJECT EXCEEDS THE PREDOMINANT FOR THE S/D HOWEVER, FF IS WELL WITHIN RANGE AND NOT CONSIDERED AN OVERIMPROVEMENT. Dimensions SEE ATTACHED PLAT Area 11,761 SF APPROX Shape IRREGULAR View SIM PROP Specific Zoning Classification R -2 Zoning Description SINGLEIMULTI FAMILY Zorhi Compliance M Legal ❑ Legal Nonconforming Grandfathered Use ❑ No Zoning ❑ Illegal describe Is the highest and best use of su 'ect property as improved or as proposed per Mans and specifications) the present use? ® Yes ❑ No H No, describe Utilities Pubic Other ( descrbe) Pubic W r (describe) Off-ste 6nprovements - Type Pudic Private Electricilly ® ❑ Water ® ❑ Street ASPHALT M ❑ Gas NONE Sanitary Sewer Z El Alley NONE ❑ Ll FEMA Special Food Hazard Area ® Yes ❑ No FEMA Flood Zone A8 FEMA Ma # 1351640002C FEMA Map Date 6/17/1986 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). Sources Used for Physical Characteristics of Property Appraisal Files ❑ MILS ® Assessment and Tax Records Prior Inspection Owner ❑ Other (describe Data Source for Gross Living Area PROPERTY CARD oral Description General Description Reating/Cooling Amettifia Car Storage Units One One with AccesscDLqnL M Concrete Slab Crawl S ace FWA HWBB Hre laces # None # of Stories 2 ❑ Fui Basement ❑ Finished ❑ Radiant Woodstove s # ® Driveway # of Cars 2 T ® DeL AIL S- DetAnd Unit ❑ Partial Basement Finished ❑ Other Patio/Deck PTIO Drivewa Surface CONC STRIP ® E�dsti ❑ Proposed ❑ Under Cont. Exterior Walls VINYL Fuel GAS Porch SCRNPRCH Garage # of Cars Design le TYBEE COTTAGE Roof Surface COMP SHING Central Air Condition Pool N/A Carport # of Cars 1 Year Built 1935 Gutes 8 Down attsADQ OVER ❑Individual Fence REAR ❑ Attached ❑Detached Effective A E -25 Window T DM WOOD ❑ Other Ober N/A 1LJ BuillAn Appliances ❑ Refrigerates R Range/Oven ® Dishwasher ® Disposal Microwave ❑ Washer/Dryer I I Other (describe) Finished area above grade cadains: 7 Rooms 3 Bedrooms 2 Baths 1,967 Square Feet of Grass Living Area Above Grade Additional features (special energy efficient items, etc. THE SUBJECT IS A HISTORIC TYBEE COTTAGE WHICH FEATURES: 3 BEDROOMS- 2 BATHS - 1- CARPORT; FENCED REAR YARD; WALKING DISTANCE TO THE BEACH AND BACK RIVER; . Describe the condition of the property and data sources (including apparent needed repairs, deterioration renovations remodeling, etc. E SUBJECT APPEARS TO BE IN AVG /GOOD CONDITION. THESE PARTICULAR TYPE OF TY13EE COTTAGE HOMES ARE RECENTLY IN HIGH DEMAND. MANY BUYERS PURCHASE THESE AND TOTALLY RENOVATE AND RECEIVE MANY TAX ADVANTAGES. THE SUBJECT IS WITHIN WALKING DISTANCE TO THE BACK RIVER PIER AND THE MAIN BEACH. Are there any apparent physical deficiencies or adverse condition that affect the livability, soundness, or structural integrity of the property? ❑ Yes ® No If Yes, describe. NO ADVERSE ENVIRONMENTAL CONDITIONS HAZARDOUS MATERIALS ETC. WERE FOUND TO EXIST IN THE SUBJECT AREA TO THE KNOWLEDGE OF THE APPRAISER. Does the property general conform to the the hbor hoW nctonal utility, slyls, condition, use, construction, etc.)? JZ Yes El No If No, describe. Freddie Mac Form 2055 March 2005 Page 1 of 6 Fannie Mae Form 2055 March 2005 Form 2055 — %nTOTAL' appraisal software by a la mode, inc. —1 -800- ALAMODE baerior -Only Inspection Residential Annraisal Renort �... Un7Z gr„-j There are 98 comparable properties currently offered for sale in the subject neighborhood ranging in Mee from $ 299,000 to $ 5,950,000 There are 52 co cable sale'in' e subject neighborhood within the past twelve Imm s ra i in sale from $ 300.00 to $ 1,450,000 FEATURE SUBJECT COMPARABLE SALE # 1 COMPARABLE SALE # 2 COMPARABLE SALE # 3 Address 1714 CHATHAM AVENUE TYBEE ISLAND GA 31328 17 18TH STREET TYBEE ISLAND, GA 31328 16 11TH STREET TYBEE ISLAND, GA 31328 20212TH STREET TYBEE ISLAND, GA 31328 Prommity to Subject 0.07 miles SE 0.72 miles NE 0.62 miles NE Sale Price $ 750,000 $ 645,000 $ 749,000 $ 780,000 ale Price/Gross Liv. Area $ 381.29 s .tt. $ 680.38 5 .ft $ 558.96 s .ft $ 344.52 s -ft-1 ata Sources LENDER/APPRAISER DATA/ML LENDER/APPRAISER DATA/ML LENDER/APPRAISER DATAIML: rification Sources MLS /PUBLIC RECORDS MLS /PUBLIC RECORDS MLS /PUBLIC RECORDS ALUE ADJUSTMENTS DESCRIPTION DESCRIPTION + - $ Adjustment DESCRIPTION + • $ Adjushnerd DESCRIPTION + - $ Adjustment ales or Financing oncessions CONV NONE CASH NONE CONV NONE of Same 9/28{05 3/8/05 +37 450 8/17/05 cation TYBEE ISLAND TYBEE ISLAND TYBEE ISLAND TYBEE ISLAND aseholdifee Si FEE SIMPLE FEE SIMPLE FEE SIMPLE FEE SIMPLE te JR.* 11,761 SF APP 4 160 + / -SF AP +25,500 4 800 + / -SF AP +25,000 4,920 + / -SF APP +25,000 ew SIM PROP SIM PROP SIM PROP SIM PROP esign Style TYBEE COTT TYB COTTAGE TYB COTTAGE TYB COTTAGE ral of Construction AVGMNYL AVG/FRAME AVG/FRAME AVGIBRK FRM ctual a 1935 1938 1925 1930 ondition AVG /GOOD AVG /GOOD GOOD -37450 GOOD -39000 bove Grade oom Gourd Total Bdrms. Baths Total Bdrms. Baths Total Bdrms. Baths Total Bd ms. Baths 7 3 2 7 3 2 7 3 3 -5 000 7 5 3 -5 000 oss Living Area 1,967 sq.fL 948 sq.ff. +40,760 1,340 sq.tt. +25,080 2,264 sq.ft. - 11,880 sement &Finished ooms Below Grade NONE NONE NONE NONE Funetional Utility AVERAGE AVERAGE AVERAGE AVERAGE Hea6 Cooling CENTRAL CENTRAL CENTRAL CENTRAL Energy Efficient hems STANDARD STANDARD STANDARD STANDARD Gara e/Ca 1 -C 2 -OFF 2-OFF STREET +10,000 2- CARPORT 2 -OFF STREET +10,000 PorchPatioifleck PORCH PORCH PORCH PORCH NONE 1 -F/P -1.500 NONE NONE SCRN FNC PTI SCRN DECK +11,0 00 SCRN FENCE +1,000 SCRN FNC PTI APPLIANCES APPLIANCES NCES APPLIANCES • Net Adjustment (Total) ®+ - $ 75J60 ❑ - $ 46 080 ❑ + ® - $ -20,880 Adjusted Sale Price of Comparable$ Net Adj. 11.7 % Gross Adj. 12.2 % $ 720,760 jAdl. 6 2 % . 17.5 % $ 795,080 Net Adj. 27 % Gross Ad'. $ 759,120 I did did not research the sale or transfer history of the subject property and comparable sales. B not, explain My research ❑ did ® did not reveal an prior sales or transfers of the subject o for the three ears prior to the effective date of this appraisal. Data Sources LENDER/APPRAISER DATA/MLS M research ® did did not reveal an prior sales or transfers of the comparable sales for the year prior to the date of sale of the comparable sale. Data Sources LENDER/APPRAISER DATA/MLS Report the results of the research and ana is of the prior safe or transfer hista of the subject property and cam arable sales (report additional ' sales on page 3). ITEM SUBJECT COMPARABLE SALE #1 COMPARABLE SALE #2 COMPARABLE SALE #3 Date of Prior Sale/Transfer NO SALE NO SALE 14/23/04,$625,000 NO SALE ice of Nor SaWTransfer PRIOR 3 YEARS PRIOR YEAR PRIOR YEAR PRIOR YEAR ata Sources PUBLIC RECORD PUBLIC RECORD PUBLIC RECORD PUBLIC RECORD ective Date of Data Sources 2123/06 12129 /05 12129/05 12129/05 Analysis of prior sale orlransfer hi of the subject and comparable sales THE SUBJECT IS CURRENTLY UNDER CONTRACT FOR $750,000. HE CLOSING DATE IS SET FOR 313106. COMP #2 LAST SOLD ON 4/23/04 FOR $625,000. [ALL umma of Sales Comparison roach ALL COMPARABLES WERE TAKEN FROM THE SUBJECTS GENERAL AREA AND WERE CONSIDERED O BE THE MOST COMPATIBLE WITH THE SUBJECT PROPERTY. THEY GIVE A VALID INDICATION OF VALUE AFTER ADJUSTMENTS. SALES W ERE VERIFIED TO BE CLOSED TRANSACTIONS. THE GLA IS ADJUSTED AT $40.00PSF. THE ADJUSTMENT FROM GOOD O AVG /GOOD IS 5% OF THE SALES PRICE. FULL BATH = $5 000. COMP#1 -3 ALL RECEIVED A POSITIVE ADJUSTMENT OF $25 000 OR INFERIOR LOT SIZE. STTEIVIEW ADJUSTMENTS WHEN WARRANTED ARE BASED ON SITE REPLACEMENT COST AS VALUES IFFER BASED ON SIZE UTILITY ELEVATION TOPOGRAPHY ETC. COMP #2 RECEIVED A MINIMAL POSITIVE TIME ADJUSTMENT OF 5% OF THE SALES PRICE. Indicated Value by Sales Comparison Approach $ 750,000 Indicated Value by- Sales Comparison Approach $ 750,000 Cost Approach (if developed) $ 752,259 Intone Approach (B developed) $ This appraisal is made ® "as is ", ❑ subject to completion per plans and specifications on the basis of a hypothetical condition that the improvements have been completed, ❑ 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 folowing required inspection based on the extraordinary assumption that the condition or deficiency does not require alteration or repair., Based on a visual inspection of the exterior are of the subject property from at least the street, defined scope of work, statement of assumptions and limiting certification, conditions, and appraisers my (our) opinion of the market value, as defined, of the real property that is the subject of this report is $ 750,000 asof 2/23/06 which is the date of inspection and the effective date of this appraisal. Freddie Mac Form 2055 March 2005 Page 2 of 6 Fannie Mae Form 2055 March 2005 Farm 2055 — "WinTOTAL" appraisal software by a la mode, mc. —1- 800 - ALAMODE Exterior —Oniv Insoection Residential Annraisal Renert n . EXPANDED "SCOPE OF WORK" COMMENTS E APPRAISER IS PERM TO EXPAND THE "SCOPE OF WORK" FOR CLARIFICATIOF 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 FUNTION F 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 APPRAISEF 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 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. COST APPROACH TO VALUE (not required by Fannie Mae) Provide adeguate 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 SITE SUBJ ECTS MARKET AREA ESTIMATED REPRODUCTION OR ® REPLACEMENT COST NEW OPINION OF SITE VALUE ........... .... Source of cost data MARSHALL &SWIFT DWELLING 1,967 Quality rafirIg from cost service GOOD Effective date of cost data 2006 - Comments on Cost Approach (gross living area calculations, depreciation, etc. APPLIANCES. PORCHES,_. -- Gara e(Ca ort S .R. @ $ ------ -- -- -- Total Estimate of Cost -New ------------- _; 265,875 Less Physical Functional E)demal De reciation 88,6161 — 88,616) Depreciated Cost of Improvements __.------ -----.-- -- --- ..... ....... —; 177,259 'As-is' Value of Site Improvements ------------------ --------- ------ _--------------- =$ 25.000 Estimated Remaining Economic Life (HUD and VA on 40 Years INDICATED VALUE BY COST APPROACH -------------- ------------------------ =$ 752,259 INCOME APPROACH TO VALUE (not required by Fannie Mae) Estimated Montfily Market Rent; X Gross Rent Multiplier =; Indicated Value by Income AppmaGh Summaq of Income Approach (including support for market rent and GRM ITotal PROJECT INFORMATION FOR PUDs (if a ic") Is the developer/builder in control of the Homeowners' Association OA ? El Yes No Unit s ❑ Detached Attached Provide the following information for PUDs ONLY if the develo er/bUlder is In control of the HOA and the subject property is an attached dwelling unit. Legal Name of Project number of phases Total number of units Total number of units sold Total number of units reriled Total number of units for sale Data source (s) Was the prooect created by the conversion of emsting building(s) into a PUD? [-]Yes No If Yes, date of comrwsion Does the project contain arry muiti -dwe . units? ❑ Yes ❑ No Data Source(s) Are the units common elements and recreation facilities complete? Yes El No If No describe the status of completion. Are the common elements leased to or by the Homeowners' Association? ❑ Yes No t Yes, describe the rental terms and options. Describe common elements and recreational facilities. Freddie Mac Form 2055 March 2005 Page 3 of 6 Fannie Mae Form 2055 March 2005 Form 2055 — "WinTOTAL" appraisal software by a la mode, inc. —1- 800 - ALAMODE Exterior -Only Inspection Residential Appraisal Report File# M0732602 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 visual inspection of the exterior areas of the subject property from at least the street, (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. The appraiser must be able to obtain adequate information about the physical characteristics (including, but not limited to, condition, room count, gross living area, etc.) of the subject property from the exterior -only inspection and reliable public and /or private sources to perform this appraisal. The appraiser should use the same type of data sources that he or she uses for comparable sales such as, but not limited to, multiple listing services, tax and assessment records, prior inspections, appraisal files, information provided by the property owner, etc. 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 titre. 2. 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. 3. 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. 4. 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 this 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. 5. 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 2055 March 2005 Page 4 of 6 Fannie Mae Farm 2055 March 2005 Form 2055 — °WinTOTAL' appraisal software by a la mode, inc. —1- 800- ALAMODE File No. M0732602 Pa a #7 Exterior -Only Inspection Residential Appraisal Report File# M0732602 APPRAISER'S CERTIFICATION: The Appraiser certifies and agrees that: 1. 1 have, at a minimum, developed and reported this appraisal in accordance with the scope of work requirements stated in this appraisal report. 2. 1 performed a visual inspection of the exterior areas of the subject property from at least the street. 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. 1 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. 1 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. 1 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. 1 verified, from a disinterested source, all information in this report that was provided by parties who have a financial interest in the sale or financing of the subject property. 11. 1 have knowledge and experience in appraising this type of property in this market area. 12. 1 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. 1 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. 1 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. 1 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. 1 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. 1 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. 1 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 Rem in this appraisal report; therefore, any change made to this appraisal is unauthorized and I will take no responsibility for R. Freddie Mac Form 2055 March 2005 Page 5 of 6 Fannie Mae Form 2055 March 2005 Form 2055 — WnTOTAL' appraisal software by a la mode, inc. —1- 800- ALAMODE on Residential Appraisal Report Fie# M0732602 20. 1 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. 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 parry (including, but not limited to, the public through advertising, public relations, news, sales, or other media). 22. 1 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 misrepresentations) 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. 1 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. 1 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. AFFKAIS SUPERVISORY APPRAI (ONLY IF REQUIRED) VA a Signatur Signature Name MIC AEL J. B N Y Name JOH GANE Company Name Company Nam Company Address Company Address All Telephone Number 9123548353 Email Address m1b112(cDbellsouth.net Date of Signature and Report February 27, 2006 Effective Date of Appraisal 2123/06 State Certification # or State License # 265847 or Other (describe) State # State GA Expiration Date of Certification or License 12/31/2006 ADDRESS OF PROPERTY APPRAISED 1714 CHATHAM AVENUE TYBEE ISLAND, GA 31328 APPRAISED VALUE OF SUBJECT PROPERTY $ 750,000 LENDER/CLIENT Name Company Name THE SAVANNAH BANK -BULL Company Address 25 BULL STREET, PO BOX 188, SAVANNAH, GA, 31402 -0188 Email Address Telephone Number 9123548363 Email Address iganemap @bellsouth.net Date of Signature February 27, 2006 State Certification # 298 or State License # State GA Expiration Date of Certification or License 5/31/2006 SUBJECT PROPERTY ® Did not inspect subject property ❑ Did inspect exterior of subject property from street 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 2055 March 2005 Page 6 of 6 Form 2055 — 'WinTOTAL' appraisal software by a la mode, inc. —1- 800 - ALAMODE Fannie Mae Form 2055 March 2005 Subject Photo Page Borrower /Client JOHN WYLLY, III & JULIA WYLLY Property Address 1714 CHATHAM AVENUE City TYBEE ISLAND County CHATHAM State GA Zip Cade 31328 Lender THE SAVANNAH BANK -BULL Subject Front 1714 CHATHAM AVENUE Sales Price 750,000 Gross Living Area 1,967 Total Roams 7 Total Bedrooms 3 Total Bathrooms 2 Location TY13EE ISLAND View SIM PROP Site 11,761 SF APPROX Quality AVGNINYL Age 1935 Form PIC3x5.SR — "WhTOTAL" appraisal software by a la mode, inc. — 1- 80o-ALAMODE Subject Rear Subject Street Comparable Photo Page Borrower /Client JOHN WYLLY, III & JULIA WYLLY Property Address 1714 CHATHAM AVENUE City TYBEE ISLAND County CHATHAM State GA Zip Code 31328 Lender THE SAVANNAH BANK -BULL Yi ALI 4 �r - 4 sr• r Comparable 1 17 18TH STREET Prox to Subject 0.07 miles SE Sales Price 645,000 Gross Living Area 948 Total Roams 7 Total Bedrooms 3 Total Bathrooms 2 Location TYBEE ISLAND View SIM PROP Site 4,160 + / -SF AP Quality AVG /FRAME Age 1938 Comparable 2 16 11TH STREET Prox to Subject 0.72 miles NE Sales Price 749,000 Gross Living Area 1,340 Total Rooms 7 Total Bedrooms 3 Total Bathrooms 3 Location TYBEE ISLAND View SIM PROP Site 4,800 + / -SF AP Ouality AVG /FRAME Age 1925 Comparable 3 202 12TH STREET Prox to Subject 0.62 miles NE Sales Price 780,000 Gross Living Area 2,264 Total Rooms 7 Total Bedrooms 5 Total Bathrooms 3 Location TYBEE ISLAND View SIM PROP Site 4,920 + / -SF APP Quality AVGBRK,FRM Age 1930 Form PIC3x5.CR — 'WinTOTAL' appraisal software by a la mode, inc. — 1- 80D- ALAMODE le No. M0732602 P e #11 Location Map Borrower /Gent JOHN WYLLY III & JULIA WYLLY Property Address 1714 CHATHAM AVENUE City TYBEE ISLAND County CHATHAM State GA 71 Code 31328 Lender THE SAVANNAH BANK -BULL "st Mapftnt' m Rd 3M St q �7 Q St 'S Tybee 9t Island 6� m6) St t � C t fink q� � St u 8 St h e CC� Sa 8� St Ak 47 40Y St 26 i Yr 10(b 11 t St a .I d . Ste' t Q 13( 3 I� £ nth 3t Savannah Beach Trd�a o Alt 1�Ue St Tve 2s Comparable 1 iL,7 17 18TH STREET 0.07 miles SE s tan q A t l a n t i c O c e a n I sole 0,6 r cD2006 Eli-seftcolp@2004 NAY E0,andtorGOT, Inc. Form MAP.LOC — °WnTOTAL" appraisal software by a la mode, inc. —1- 800- ALAMODE File No. M0732602 Pa a #12 Site Man Borrower /Client JOHN WYLLY, III & JULIA WYLLY Property Address 1714 CHATHAM AVENUE City TYBEE ISLAND County CHATHAM State GA Zp Code 31328 Lender THE SAVANNAH BANK -BULL ' Ti' A 1, 4i;ilo A, 3 t� .4 _, M2 . ;-A;o�. lot L ''+, ff 'ro. a 1 11 24' A P p Form MAP.Site — 'WiinTOTAL' appraisal software by a la mode, inc. —1- 800- ALAMODE OR' ^ 1 74 U Ij #ml 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. Impfick 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 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 instiWtional 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 adjusfinerd should approximate the markets reaction to the financing or concessions based on the appraiser's judgement. 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 an 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 hazardous 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 /clierd specified in the appraisal report can distribute the appraisal report (including conclusions about the property value, the appraiser's identify 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, consultards; 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 Pagel of 2 Fannie Mae Form 10048 6.93 Johnnie Ganem Appraisal Company Form ACR — "WinTOTAL" appraisal software by a la mode, inc. —1- 800- ALAMODE File No. M07326021 Pa a #15 APPRAISER'S CERTIFICATION: The Aooraiser certifies and aarees that: 1. I ha:c rescarc`wd 1 ti 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. ff a significant Rem 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, R a significant item in a comparable property is interior to, or less favorable than the subject property, I have made a positive adjustment to increase the adjusted sales price of the comparable. 2. 1 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. 1 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. 1 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. 1 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. 1 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. 1 was not required to report a predetermined value or direction in value that favors the cause of the client at 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 ban. 7. 1 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. B. 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 (mown 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. 1 personalty 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 Rem 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 appraisal 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: 1714 CHATHAM AVENUE, TYBEE ISLAND, GA 31328 AP PRA r s j a Signature Name: MIC AEL J. B Y Date Signed: Februa 2006 State Certification #: or State License #: 265847 State: GA SUPERVISORY APPOA14R (only if required): Signature: Name: JOHNU GANEVA Date Signed: Fe arvW, 2 06 State Certification #: or State License #: State: Expiration Date of Certification or License: 12/31/2006 Expiration Date of Certification or License: 5/31/2006 ❑ Did ® Did Not Inspect Property Freddie Mac Form 439 6.93 Page 2 of 2 Fannie Mae Form 10046 6-93 Form ACR — 'WinTOTAL' appraisal software by a la mode, inc. —1- 800 - ALAMODE U.S. DEPARTMENT OF HOMELAND SECURITY ELEVATION CERTIFICATE OMB No. 1660 -0008 Federal Emergency Management Agency I Expires February 28, 2009 National Flood Insurance Program Important: Read the instructions on pages 1 -8. SECTION A - PROPERTY INFORMATION For Insurance Company Use: Al. Building Owner's Name Policy Number -TO ;A P,3 C - fin/ V L-1-Y TTT A2. Building Street Address (including Apt., Unit, Suite, and /or Bldg. No.) or P.O. Route and Box No. Company NAIC Number 1 -1 1 (o C- 64 i t-t.. AA Ay N y I CIt State ZIP Code �EVf2Ln�.� 3Z8 A3. Property Description (Lot and Block Numbers, Tax Parcel Number, Legal Description, etc.) Lc>T 20 -A. C>,= .e. sv30tvtstpN OF e-07' Zo w.o.fa0 Into -- . 5 -; /3EAE A4. Building Use (e.g., Residential, Non - Residential, Addition, Accessory, etc.) M r S ll �t- A5. Latitude /Longitude: Lat. 1'4 3 l ° S9 r Z'-t • 2. " Long. W 80 ° S t ' C>-t . 9 " Horizontal Datum: R NAD 1927 ® NAD 1983 A6. Attach at least 2 photographs of the building if the Certificate is being used to obtain flood insurance. A7. Building Diagram Number 8 A8. For a building with a crawl space or enclosure(s), provide: A9. For a building with an attached garage, provide: a) Square footage of crawl space or enclosure(s) rJ 13 $ sq ft a) Square footage of attached garage C-) sq ft b) No. of permanent flood openings in the crawl space or b) No. of permanent flood openings in the attached garage enclosure(s) walls within 1.0 foot above adjacent grade walls within 1.0 foot above adjacent grade c) Total net area of flood openings In A8.b -7 Z, &4 sq in c) Total net area of flood openings in A9.b �� sq in SECTION B - FLOOD INSURANCE RATE MAP (FIRM) INFORMATION B1. NFIP Community Name & Community Number B2. County Name B3. State C fTL' 0 - T-n�ec s�6"0 l351lo�d C"A.T'i{a.�•. 134. Map /Panel Number 85. Suffix B6. FIRM Index 87. FIRM Panel B8. Flood B9. Base Flood Elevation(s) (Zone Date Effective /Revised Date Zone(s) A0, use base flood depth) t351t� -f Oooz. G O (0-11 -5G o co -1-1- sea A 21 1't 810. Indicate the source of the Base Flood Elevation (BFE) data or base flood depth entered in Item B9. R FIS Profile ® FIRM R Community Determined ❑ Other (Describe) B11. Indicate elevation datum used for BFE in Item B9: © NGVD 1929 ❑ NAVD 1988 ❑ Other (Describe) B12. Is the building located in a Coastal Barrier Resources System (CBRS) area or Otherwise Protected Area (OPA)? ❑ Yes © No Designation Date R CBRS ❑ OPA SECTION C - BUILDING ELEVATION INFORMATION (SURVEY REQUIRED) Cl. Building elevations are based on: ❑ Construction Drawings` ❑ Building Under Construction' ® Finished Construction `A new Elevation Certificate will be required when construction of the building is complete. C2. Elevations - Zones Al -A30, AE, AH, A (with BFE), VE, V1 -V30, V (with BFE), AR, AR/A, ARIAE, AR/Al -A30, AR/AH, AR/AO. Complete Items C2.a -g below according to the building diagram specified in Item A7. Benchmark Utilized USC,Cb AAolvUAtE--J Vertical Datum "C-1110 t4 Lck Conversion /Comments M0^-L-= SECTION D - SURVEYOR, ENGINEER, OR ARCHITECT CERTIFICATION This certification is to be signed and sealed by a land surveyor, engineer, or architect authorized by law to certify elevation information. I certify that the information on this Certificate represents my best efforts to interpret the data available. /understand that any false statement maybe punishable by fine or imprisonment under 18 U.S. Code, Section 1001. ® Check here if comments are provided on back of form. S AA. KEA�-f-4:5..t ZLS 274 3 Certifier's Name Lice a Number LAtilr� Sc,t2VEY0i2 CA&*r i ^4 St�,ZYEYintCL �E,umber � �1C . Title C Company Name P.O. r3ox G t (049 JQver.i.vo -f-> (:PE0,Z0V&, 3/ y Z O Address City St to ZIP Code 2z Zoo - 91Z- o3 -O30 -1- rvr111 o 1 -J 1, reoruary zuue See reverse side for continuation. OR \ST� E/ � � Q O No. 2743 <9ti �0 O S U oz -2 z. Replaces all previous editions 07 Check the measurement used. a) Top of bottom floor (including basement, crawl space, or enclosure floor) 7 . 2. El feet R meters (Puerto Rico only) b) Top of the next higher floor l0 (v 9 feet , R meters (Puerto Rico only) C) Bottom of the lowest horizontal structural member (V Zones only) f-5 -& _❑ feet ❑ meters (Puerto Rico only) d) Attached garage (top of slab) /mil- A.- feet ❑ meters (Puerto Rico only) e) Lowest elevation of machinery or equipment servicing the building (Describe type of equipment in Comments) 1 f-(, . O ©feet ❑meters (Puerto Rico only) f) Lowest adjacent (finished) grade (LAG) g) Highest adjacent (finished) grade (HAG) -Z .0 ® feet 5-Z feet R meters (Puerto Rico only) ❑ meters (Puerto Rico only) SECTION D - SURVEYOR, ENGINEER, OR ARCHITECT CERTIFICATION This certification is to be signed and sealed by a land surveyor, engineer, or architect authorized by law to certify elevation information. I certify that the information on this Certificate represents my best efforts to interpret the data available. /understand that any false statement maybe punishable by fine or imprisonment under 18 U.S. Code, Section 1001. ® Check here if comments are provided on back of form. S AA. KEA�-f-4:5..t ZLS 274 3 Certifier's Name Lice a Number LAtilr� Sc,t2VEY0i2 CA&*r i ^4 St�,ZYEYintCL �E,umber � �1C . Title C Company Name P.O. r3ox G t (049 JQver.i.vo -f-> (:PE0,Z0V&, 3/ y Z O Address City St to ZIP Code 2z Zoo - 91Z- o3 -O30 -1- rvr111 o 1 -J 1, reoruary zuue See reverse side for continuation. OR \ST� E/ � � Q O No. 2743 <9ti �0 O S U oz -2 z. Replaces all previous editions 07 IMPORTANT: In these spaces, copy the corresponding information from Section A. For Insurance Company Use: Building Street Address (including Apt., Unit, Suite, and /or Bldg. No.) or P.O. Route and Box No. Policy Number cites -... T State ZIP Code Company NAIC Number /Y13t.? (Sc.a �e?= vitCot,e. -313 ZS SECTION D - SURVEYOR, ENGINEER, OR ARCHITECT CERTIFICATION (CONTINUED) Copy both sides of this Elevation Certificate for (1) community official, (2) insurance agent/company, and (3) building owner. Comments �7 1T� —M G G -�k_ tS A.n/ UAi/�i�trSH► =r) Gr�.b�Jc. S�I = a^t CZ17 !S'TWE ;'r2ST 1=L. ode. /ft:�a rs �. SEce�.r•� s, v.2t� c.00�Z A.-r- j_`=Ve_-n0,%1 (q �'. %t-1 rs H00s" WA-S, QUtL--r tftJ (93S tS P2�— ►=T�'l =nw G2e 1S �e.�v ,0.�2 co�.�.rro� P -- r_,n-r 0=0 /L AA z- Z Z- Z0 o '1 I I Check here if attachments SECTION E - BUILDING ELEVATION INFORMATION (SURVEY NOT REQUIRED) FOR ZONE AO AND ZONE A (WITHOUT BFE) For Zone AO and A (without BFE), complete Items E1 -E5. If the Certificate is intended to support a LOMA or LOMR -R request, complete Sections A, B, and C. For Items E1 -E4, use natural grade, if available. Check the measurement used. E1. Provide elevation information for the following and check the appropriate boxes to show whether the elevation is above or below the highest adjacent grade (HAG) and the lowest adjacent grade (LAG). a) Top of bottom floor (including basement, crawl space, or enclosure) is _ _ I_I feet I_I meters I I above or I I below the HAG. b) Top of bottom floor (including basement, crawl space, or enclosure) is _ I_I feet 1 1 meters I I above or I I below the LAG. E2. For Building Diagrams 6 -8 with permanent flood openings provided in Section A Items 8 and /or 9 (see page 8 of Instr IxIons ), the t h igher floor (elevation b in the diagrams) of the building is . I_I feet I_I meters I I above or I I bel AGE3. Attached garage (top of slab) is _ 1 1 feet 1I meters 1 1 above or 1I below the HAG. E4. Top of platform of machinery and /or equipment servicing the building is . _ I_I feet 11 meters I I above or _ AG. E5. Zone AO only: If no flood depth number is available, is the top of the bottom floor elevated in accordance with the community's floodplain management ordinance? I I Yes I I No I I Unknown. The local official must certify this information in Section G. SECTION F - PROPERTY OWNER (OR OWNER'S REPRESENTATIVE) CERTIFICATION The property owner or owner's authorized representative who completes Sections A, B, and E for Zone A (without a FEMA- issued or community- issued BFE) or Zone AO must sign here. The statements in Sections A, B, and E are correct to the best of my knowledge. Property Owner's or Owner's Authorized Representative's Name Address City State ZIP Code Signature Date Telephone Comments 1_1 Check here if attachments SECTION G - COMMUNITY INFORMATION (OPTIONAL) The local official who is authorized by law or ordinance to administer the community's floodplain management ordinance can complete Sections A, B, C (or E), and G of this Elevation Certificate. Complete the applicable item(s) and sign below. Check the measurement used in Items G8. and G9. G1. �_� The information in Section C was taken from other documentation that has been signed and sealed by a licensed surveyor, engineer, or architect who is authorized by law to certify elevation information. (Indicate the source and date of the elevation data in the Comments area below.) G2. �_� A community official completed Section E for a building located in Zone A (without a FEMA- issued or community- issued BFE) or Zone AO. G3. �_� The following information (Items G4. -G9.) is provided for community floodplain management purposes. G4. Permit Number G5. Date Permit Issued G6. Date Certificate Of Compliance /Occupancy Issued G7. This permit has been issued for: (_I New Construction 1_1 Substantial Improvement G8. Elevation of as -built lowest floor (including basement) of the building: _ I_I feet I_I meters Datum G9. BFE or (in Zone AO) depth of flooding at the building site: 11 feet 11 meters Datum Local Official's Name Title Community Name Telephone Signature Date Comments if attachments FEMA Form 81 -31, XXXX.X Replaces all previous editions Building Photographs See Instructions for Item A6. For Insurance Company Use: Building Street Address (including Apt., Unit, Suite, and/or Bldg. No.) or P.O. Route and Box No. Policy Number City, State ZIP Code Company NAJC Number I iG 1 s c�.v t�o o�zCa �n, —3(312-S If using the Elevation Certificate to obtain NFIP flood insurance, affix at least two building photographs below according to the instructions for Item A6. Identify all photographs with: date taken; "Front View" and "Rear View; and, if required, `Right Side View" and "Left Side View." If submitting more photographs than will fit on this page, use the Continuation Page, following. A rizv- t T Y / crJ OC gousiz �.E ,; r S t r>% -j i t—=w O C= "C5 v S F l� t `c-1 .d i i2 Gco ^j Oi'rtoti Y- Z!; Building Photographs Continuation Page For Insurance Company Use: Building Street Address (including Apt., Unit, Suite, and/or Bldg. No.) or P.O. Route and Box No. Porcy Number -7 1 �o G� -��.�� /A,\/(=.,e.) City_ State ZIP Code Company NAIC Number IYBr_r l.. if�C_o,2CcIa .3 l 3 ?-s If submitting more photographs than will fit on the preceding page, affix the additional photographs below. Identify all photographs with: date taken; "Front View" and "Rear View"; and, if required, 'Right Side View" and "Left Side View." PS-A. J-?- vi e w Or�- C-EoVsE. �2<C-P14T 5l0E vITw Or 140UZiE. Inspe ction Report City of Tybee Island 403 Butler Avenue P.O. Box 2749 Tybee Island, GA 31326 Phone: (912) 786 -457:3 extension 114 Fax: (912) 786 -9539 Permit No. C�) C) L4 `-F 9 Date Requested 0; - 1 -3 - o -1 Owner's !Name i l� w � � - Date Needed 0 a - 1 `4 - l� Gen. Contractor Subcontractor e'D(-h Contact Number r� . -)�n ,n I ..l 1� —_ (fg i,1 -7' ,� `l a g Location y nA t� (� vh � e, Date of I"Spection --�/� G� Time _ Inspector Type of Inspection C. Q� i QPSS coca V�or .en GL 1n Y)-Ud Cy an -I- . F e- � 0�7 1. oc�rar P—lec. if--RGL sn,-A� A 4- A +Q Jan 06 07 08:29a MRRK BOSWELL 912 -997 -6932 P.1 BOSWELL DESIGN SERVICES, INC. 103 NASSAUDRIVE SAVANNAH, GEORGIA 31410 -912-897-693,2 L4 HBO S@8Ft_LSOUrH NET RECEIVED o I, -0 January S, 2006 To: Diane Otto Zoning Department Tybee Island, Georgia From: Mark Boswell Re: John Wylly Project X 71 to X1-7 -M Chatham Ave. Tybee Island, Georgia Diane. As per your request. we have inspected the project referenced above for compliance with the approved drainage plan_ After a brief inspection of the project, it is our opinion that the project seems to be in substantial compliance with the approved drainage plan. Sincerely. Mark Boswell JAN -06 -2007 09:42 912 R97 F,9 .7? 9f,/- P R1 TE Inspection Report City of Tybee Island 403 Butler Avenue P.O. Box 2749 Tybee Island, GA 31328 PhOue: (911) '186-4573 extension 114 Fax: (912) 766-9539 Permit Me. ---0(,o--QL4L4 Date Requested Li - LD owner's mame Date Needed Sr - o % i- %ubcontrartor C 0 (1 Contart Nit-mber "� %� --- �,,A%± - - - - -' �P r " -L I � __ Location vv, Date of lr)sperflon Time.— 1nsPf.,1,. TVpe. of I nsperhon /0 Inspection Report ity of Tybee Island 403 Butler Avenue P.O. Box 2 749 Tybee Island, GA .31328 Phone: (912) 186 -4573 extension Fax: (912) 786 -9539 Permit No. 06 — 0`7 V7 Owner's Name 11(4 — Gen. Contractor _ avn(? Date, Requested 114 Date Needed Subcontractor Contact Number- fi- (0 ":" -411 1_ �f_ /1A 111.4/ � 6G / 4�9 oQ 8 Location ! -- - -C-�% date of Inspection /// - .Z / Time - -- - -- Inspector . ec Type of t nspecti= --Z:-A(6 U /a/-/ / D AJ 9- P$ a � - f PS, Page 1 of 1 Dianne Otto From: Jimmy C. Brown Sent: Monday, October 30, 2006 1:10 PM To: Dianne Otto Subject: 1714 Chatham Avenue Diane, Please number the House which was moved to 1716 Chatham Avenue and make the VACANT LOT from where the House originally was located to 1714 Chatham Avenue. Thanks! 0 co -0Z Ys - L- (.0 -0C) 3 DL0-044 10/30/2006 DATE ISSUED: 08 -18 -2006 WORK DESCRIPTION: WORK LOCATION: OWNER NAME ADDRESS CITY, ST, ZIP CONTRACTOR NAME ADDRESS CITY STATE ZIP FLOOD ZONE BUILDING VALUATION SQUARE FOOTAGE OCCUPANCY TYPE TOTAL FEE'S CHARGED PROPERTY IDENTIFICATION # PROJECT VALUATION s CITY OF TYBEE ISLAND BUILDING PERMIT REPAIRS RESIDENTIAL BLDG 1714 CHATHAM AVENUE JOHN WYLLY PO BOX 946 TYBEE ISLAND GA 313280946 JOHN WYLLY PO BOX 946 TYBEE ISLAND GA 313280946 P $ 215.00 $25,000.00 PERMIT #: 060449 TOTAL BALANCE DUE: $ 215.00 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 harniless 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: )�- LJ�5 P. O. Box 2749 - 403 Butler Avenue, Tybee Island, Georgia 31328 (912) 786 -4573 - FAX (912) 786 -5737 www.cityoftybee.org DATE ISSUED: 08 -18 -2006 WORK DESCRIPTION: WORK LOCATION: OWNER NAME ADDRESS CITY, ST, ZIP CONTRACTOR NAME ADDRESS CITY STATE ZIP FLOOD ZONE BUILDING VALUATION SQUARE FOOTAGE OCCUPANCY TYPE TOTAL FEE'S CHARGED PROPERTY IDENTIFICATION # PROJECT VALUATION CITY OF TYBEE ISLAND BUILDING PERMIT REPAIRS RESIDENTIAL BLDG 1714 CHATHAM AVENUE JOHN WYLLY PO BOX 946 TYBEE ISLAND GA 313280946 JOHN WYLLY PO BOX 946 TYBEE ISLAND GA 313280946 P $ 215.00 $25,000.00 PERMIT #: 060449 TOTAL BALANCE DUE: $ 215.00 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. O. Box 2749 - 403 Butler Avenue, Tybee Island, Georgia 31328 (912) 7864573 - FAX (912) 786 -5737 www.cityoftybee.org CITY OF TYBEE ISLAND, GEORGIA APPLICATION FOR BUILDING PERMIT F �d r Location: t % ) Ll C h14, 4,,— PIN # LJ - C_W y - 0 l - W L/ NAME I .1\630 TELEPHONE. Owner �. G✓ /J 11 ?1 y/0 660 - Z y Z Architect or Engineer Building Contractor (Check all that apply) �epair [renovation ❑ Minor Addition ❑ Substantial Addition ❑ Other Residential ["]Single Family ❑ Duplex ❑ Multi - Family ❑ Commercial ❑ Footprint Changes ❑ Discovery ❑ Demolition Details of Project: �znC_ ;� f-b 1_4 Estimated Cost of Construction: $ z S� C)UG Construction Type (1) Wood Frame (2) Wood & Masonry (3) Brick Veneer Proposed use: Remarks: (Enter appropriate number) (4) Masonry (5) Steel & Masonry (6) Other (please specify) ATTACH A COPY OF THE CERTIFIED ELEVATION SURVEY OF LOT and complete the 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 Living space (total sq. ft.) With culvert? Rear # Bathrooms With swale? Sides (L) (R) # Stories Z Height 3 G 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. During construction: On -site restroom facilities will be provided through �•� o S On -site waste and debris containers will be provided by --- Construction debris will be disposed by ��..,,� rte- by means of 44 6.`�� 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: ���' /° 6 Signature of Applicant: u Note: A permit normally takes 7 to 10 days to process. ------------------------------------------------------------------------------------------ The following is to be completed by City personnel: Zoning certification NFIP Flood Zone 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) Access to building site Distance to water main tap site Distance to sewer stub site Water meter size Storm drainage Approvals: Zoning Administrator Code Enforcement Officer Water /Sewer Stonn/Drainage Inspections City Manager Existing D� ign2:e� Date FEES Permit_ Inspections . Water Tap Sewer Stub Aid to Const. TOTAL GIs. ��' x 1 O r i g i n a l F l o o r P l a n - - G r o u n d L e v e l R a i s e d T y r e e C o t t a g e , 1 7 1 4 C h a t h a m A v e . T y r e e I s l a n d , C h a t h a m C o u n t y , G A 3 1 3 2 8 z o > B e d r o o m # 3 L l k k ' I s R o m �� 1 I 1 B e d r o o m # = . 1 ��^ �� L a t t i c e D o o r , I B e d r o o m # 1 1 I O p e n A r e a , , i C O M P L Y W I T H 7 H - p , ��' ' l b " ` m _ , O N E A N D T Y ' i ��r ! i �� , E . D 1 T 1 0 1 4 I F e n L a t t i c e e a I i 2 w 5 t I I I A u t o , S t a l l I 2 p p o _ - d l t i o n a n d s t i r c ' j o u r g l a A m e n d m e n t s i , L a t t i c e G a r a g e D o o r s . e O P A n O p e n A r e a ! J e t o ' 1 7 1 ��e 1 1 ��i j c e Q a p n ��p p C O �� b 5 1 1 0 a �� b 1 n ! C h a t h a m C o u n t y I R E V I E W F O R C O D E C O M P L I A N C E I E v e r ' i f ��f o r t h a s b o o n m a d e t o i d e n t i f y c c ; h t - h y r e . : _ i i l s a u t h c w . t h e _ . _ _ t o t i ; . o r s e t _ a n y a p p l i c a b l e c o w ����s o r o r d i n a n c e s , T h e r e v i e w a n d p e r m i t s h o u l d n o t b e c o n s t r u e d a s a w a r r a n t y o r g u a r a n t e e ��r 6 �� ��_ 0 6 R e v i e w e d B y D a t e = . 1 ��^ �� L a t t i c e D o o r , I B e d r o o m # 1 1 I O p e n A r e a , , i C O M P L Y W I T H 7 H - p , ��' ' l b " ` m _ , O N E A N D T Y ' i ��r ! i �� , E . D 1 T 1 0 1 4 I F e n L a t t i c e e a I i 2 w 5 t I I I A u t o , S t a l l I 2 p p o _ - d l t i o n a n d s t i r c ' j o u r g l a A m e n d m e n t s i , L a t t i c e G a r a g e D o o r s Information Only - Not an O'cial Document Page i of 2 http: / /www.chathamcounty.org/tax.asp ?pkey =96902 08/10/2006 Chatham County Board of Assessors Page 1 of 2 4- 0009 -01 -004 Property Record Card Published on 6/13/2006 Information Only - Not an Official Document - Tax Year 2006 10:23:28 AM LOT 20 WARD 5 TYBEE ISLAND SAVANNAH LONG CATHERINE COOPER PO BOX 2228 ADD JIG 6 -25 -98 DH PER OWNER GET MAIL BEACH * TYBEE ISLAND GA 31328 -2228 IN CITY TYBEE IS RENT HSIO ENT 3 -21 -2001 SSB 14 CHATHAM AV Style TWO STORY 6AAAA20AAAAA4 Building Use SINGLE FAMI i0 ONE (200) 10 Land Value 515,500 Exterior Wall VINYL RPO Misc Value 19,000 Roof Type GABLE 6AArtAAAAAA28AAAA�iAA11,A8AA4 3 3 : Bldg Value 129,500 Roof Cover ASPHALT 3 15 a Total Value 664,000 SHG i c; TWO 5791 a WARMED & Cost - Heating , 6A17AAA ` 3 Value by Market 3 Ad J Interior SHEET ROCK V V 3 3 11X A A Y O Foundation MODERATF S PC ( 616) 3 44 CL ORECPT9; 21 Floor Cover ALLOWANCE 17 SWP 3 Effective Am 1,967 WOOD WOOD 3 3 a Paints 0.00(10 Sub Floor AAAAAAAA33AAAAr';1ShMO Bldg Rate 98.18 Fixtures I I FIXTURES e RCN 193,117 Rough Ins 1 ROUGH IN AhAAAAAAAAA4 1? AhAAAAAAMT) % Depreciation 0.3300 Fireplace #I SNGL 1ST EP AREA FLAT EFF% E /AREA ACT% A /AREA EA/AA HKATED OBSOL 0.0000 Bedmms 3 TWO 5'19 1.00 579 2.00 1158 1158 1158 Building Value 129,390 Bathroms 2 RPO 200 i.00 200 1.00 200 200 Quality AVERAGE ONE 809 1.00 809 1.00 809 809 809 SWP 609 1.00 609 2.00 609 609 Actual Year Built 1935 CPT 616 1.00 624 1.00 616 616 Book Page Date QS Sales EfiaxtiveYrBuilt 1977 * *Additional Subareas Exist, See Draw Summary Screen ** Price TWO( L28RPO; ONEIUIOR20DIOL20 )L5D19R21U4R12SWF;DNE(D21L3 302T 02610306 Q 750,000 Porches ROOFOV 3t)17R21U4R1 2 1U15 ?CPT;SPO(R8D44L41U8R33U.36) SLA 214B 222 0700 U Normal Deprec. 55 -YEAR LIF 179S 0117 0796 Q 190,000 Functional Obs. 000000 Economic Obs. 000000 Permit No Type Date Cost Multiplier CURRENT Amount 1".Muitiplier FRAME Obsvd Cond 000000 7'S -I'ON Y Appraiser SANDERS L.lnsp Date 05 /10./12 Use Code 0006 RESIDENTIAL_ NBHD 20275.00 T275 TYBEE 1.100 M100 B192 History Values 'Fax Year appraised Value 2005 439,000 2004 439,000 2003 439,000 http: / /www.chathamcounty.org/tax.asp ?pkey =96902 08/10/2006 Information Only - Not an 01"-ciai Document Wage 2 of 2 MISC BLDG CODE OESC LENGTH WIDTH UNITS ADJ PRICE EYB UT PCT ADJUSTMENT VALUE I 1 RSPOA Roof Scr Por /5ia 00 .00 616.00 18.40 1977 iR 33,00 1.00 1,590 1 SWPOA scud Wall /Slab .00 .00 509.00 22.87 1577 19 33.00 1.O0 ;,800 3 3 CPTFA AV CPT FLAT/SHED .00 .00 616.04 8.43 1477 IR 33.00 1.30 3,480 LAND LUSE DE: C ZONING UNITS TP PRICE ADJUSTMENT COD£ %FACTOR VALUE 1 01 Single' Family Re ne 6820.00 S 56.95 .00 .00 OD .00 3&8,400 2 01 Single Family Re R2B 4460.00 S 56.55 S2 .50 .00 .00 ,40 11271020 .� 13'80.00 .' 4 -n004 -01 -004 Pape 2 of 2 Reg By: STAFF 06/05/06 11:30:3.4 ('HATHAM COUNTY - YEAR 2006 PARCEL SEQ 4 -4009 -01 -004 001 ------------------------ - --- --- -- - -- AOMIN DATA SUMARY ------- --------------------------------------- --- '------ --- --- -- - -- - -- — ----°---- -------- -- --- --- ----- ---- -- -- -- - ',u,.1. CHARACTERISTIC ------------ -- VALUE DESCRIPTICJ -------------------- 02 Light Code 00 --- ------ 0.00 --- ------------ ---- ------ ------- ---- ----- -- - -- -------- -- ------------ -- 02 TrasBit Distric 4 ND BUS CODE 49 COV. Last Data. 45342046 ILI COV. Last Value 0004664000 12 COV. Message %U 17 14 ftemgtior. 41 105 REGULAR HMSTD /i+ 017-03400 http:/ /www.chathatneounty.org/tax.asp ?pkey =96902 08/10/2006 Georgia Department of Natural Resources Noel Holcomb, Commissioner Historic Preservation Division W. Ray Luce, Division Director and Deputy State Historic Preservation Officer 34 Peachtree Street, Suite 9600, Atlanta, Georgia 30303 Telephone (404) 656 -2840 Fax (404) 651 -8739 July 17, 2006 Robert Ciucevich Quatrefoil Consulting 6205 Abercorn Street Suite 211 Savannah, GA 31401 RE: 1714 Chatham Avenue, Tybee Island, Chatham County Dear Mr. Ciucevich: Per your request and based on the information submitted to our office on May 12, 2006, the house at 1714 Chatham Avenue, Tybee Island, Chatham County appears to be eligible for listing in the National Register of Historic Places as a good example of raised Tybee Island cottage constructed in the 1930s. Based on your letter dated May 10, 2006, it appears that the building will be eligible for listing in the National Register after "the building, which sits in the center of two building lots, [is shifted] to one side of the existing property in order to reclaim a second buildable lot." If you are interested in listing the property in the Georgia/National Registers of Historic Places, please complete a Historic Property Information Form and return it to our office with the supporting documentation. Please contact Martha Marcille, Tax Incentives Coordinator, with any questions on the tax incentives programs. If you have any questions or need additional information, please do not hesitate to contact me at 4441651 -6782 or by e-mail at gretchen __brock @dtu-.state.ga.us. Sincerely, Gretchen Brock National Register Coordinator Historic Preservation Division cc: Martha Marcille, Tax Incentives Coordinator, Historic Preservation Division John C. Wylly, III Georgia Department of Natural Resources Noe! Holes, CommissiGrw Historic Preservation Division W. Ray Luce, Division Director and Deputy State Historic Preservation Officer 34 Peachtree Street, NW, Suite 1640, Atlanta, Georgia 3 0343 Telephone (404) 656 -2840 Fax (404) 657 -1040 www.gashpo.org July 12, 2406 John C. Wylly III 117 Fairwind Road Savannah, GA 31410 RE: Historic Preservation Certification Application 1714 Chatham Avenue, Savannah, Chatham County, GA Dear Mr. Wylly: The Historic Preservation Division (HPD) has completed its review of the Historic Preservation Certification Applications, PART ONE — EVALUATION OF SIGNIFICANCE and has sent the applications to the National Park Service (NPS) for its review and certification decision. OFFICIAL STATE RECOMMENDATION: i X) PART ONE — EVALUATION OF SIGNIFICANCE HPD recommends a preliminary determination that the property is a "certified historic structure" for the purpose of rehabilitation. The property appears to meet the National Register Criteria for Evaluation and will likely be listed individually in the National Register of Historic Places. In order for a property owner to use federal tax credits for certified rehabilitation work, a National Register listing is required within 30 months of applying the credit to federal income taxes. The Survey and National Register Unit of HPD has reviewed the information comprising this nomination and will contact the nomination sponsor if additional information is necessary to complete the National Register nomination process. If you have questions regarding the status of this nomination, please contact Gretchen Brock, HPD's National Register Coordinator, at (404) 651 -6782. Our comments are the State Historic Preservation Office's recommendations to the National Park Service for its review of the application. NPS makes the final determination concerning certification of rehabilitation projects and will notify you directly of its decision in writing. If you wish to comment on this recommendation, contact Guy Lapsley of the National Park Service at (202)354 -2025. cc: Bob Ciucevich, Project Contact Patricia Barefoot, Coastal RDC me at (404) 651 -5566. FORM 10-16M Rev 1,20" UNITED STATES Dr•.PARTMENT OF THE INTERIOR NATIONAL PARK SERVICE Historic Preservation Certification Application State Historic Preservation Office Review & Recommendation Sheet significance- -Part 1 Projvet Ncntbcr ( Property) 1 714 Chatham Ave.. Tvbee Island. Chatham Counts Grp {Historic District) ❑ NR District ❑ Certified State or Local District Date application received by State 5/12/()6 Date(s) additional information requested by State Date complete information r eivied by State Date transmitted to NPS = 1 G (-'p Property visit by State staff"? ❑ yes, ❑ no ❑ Preliminary done SHPQ 1ARY REVIEW r gully reviewed by SHPO ❑ No outstanding concerns ❑ Owner informed of SHPO recommendation ❑ In -depth NPS review requested [1 Recommendation different from applicant's request STATE RECO NDATION: / { who meets the Secretary of e lVtenor's Professional Qualification Standards, has reviewed this applion. ❑ The property is included within the boundaries of a registered historic district, contributes to the significance of the district, and is a "certified historic structure" for the purpose of rehabilitation. ❑ The property is included within the boundaries of a registered historic district, contributes to the significance of the district, and is a' certified historic structure" for a charitable contribution for conservation purposes in accordance with the Internal Revenue Code. ❑ The property does not contribute to the significance of the above named district. ❑ Insufficient documentation has been provided to evaluate the structure. ❑ This application is being forwarded without recommendation. Preli `iary determinations: V The property appears to meet National Register Criteria for Evaluation and will be nominated individtially. ❑ The property does not appear to meet National Register Criteria for Evaluation and will not be nominated_ ❑ The property appears to contribute to the significance of a: ❑ potential historic district that appears to meet the National Register Criteria for Evaluation and will likely be nominated. ❑ . registered historic district but is outside the period(s) or areas of significance as documented in the National Register nomination or district nomination on file with the NPS and nomination will be amended. ❑ The property is located in a proposed historic district and. ❑ The property does not appear to contribute to the significance of the proposed historic district. ❑ The proposed historic district does not appear to meet the NR Criteria for Evaluation and will not be nominated. Date State Official Signature ��N u i n h r t I S S U E � . 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O t h e r , e x l a i n : ( - t ) Q' T h e p r o p e r t y i s l o c a t e d i i i a r e g i s t e r e d d i s t r i c t b u t i t s c u r r e n t c o n d i t i o n i s i n c o n s i s t e n t w i t h t h e d e t e r i n i n a t i o n o f i t s c o n t r i b u t i o n t o t h e d i s t r i c t a s s t a t e d i n t h e n o m i n a t i o n . S u p p l e m e n t a l L i s t i n g R e c o r d r e q u e s t e d . i s s u e s o r o t h e r c o n c e r n s . Q' S e ` a t t a c h m e n t s : Q' p h o t o g r a p h s Q' m a p s Q' o t h e - ��, T S C O M M E N T S : D a t e N a t i o n a l P a r k S e n i c e R c v i e i v e r Comcast Message Center Page ( ©f 3 From; "twin Baker" <9baker*bwcce.corn> To: <J.wyiiy*corncast,net> Subject: FW.- Question Date: Tue, 2 May 2006 16 :32 :27 +0000 9,12-2321-814-940 gbaker@bv�,cco.com Froth: Holt, Lisa 'maitto;Lisa.Hott{ � nfsmt.eoms Sent: Tuesday, May 02, 2006 11 :17 AM To: Gavin Baker Subject: FW; Question Here it is_ Trunks Lisa Holt Customer Service Representative Ford Processing Center PO Box 2057 555 Corporate Or Kalispell, I1lT 59901 Phone # 1- 800 - 637 -3846 Fax # 406- 756 -82£3 email lisa hoit,?a ^`sort -corn - - - -- Original Message_____ From: Salo, Shaunda Sent: Tuesday, May 02, 2006 6 :22 AM To. Holt, Lisa Cc: Erickson, Lindsey SubJect: RE: Question Hi 41 5— f �r�.���� 1.%� 1(% Cw: . s 4 yiZ- a?y- tiY2G 4,^5'&a --J— Yes they would ha=le to cancel & rewrite, hratirever on Rate page 15 it states that all historic building are considered Pre -Firm as long as the building meets the definition of a historic building -see page DEF'4 if it meets this criteria then we would still rate prefrrm Hope this hers staunch Sala c`'uw,nner Serlike .- ILar ?C gar http: fimail center2. comeast .netlwmclvlwml4457BBE400034CC l 0000475822007589429704... 5C2/2006 Corneast Message Center Page 3 of 3 PO Box 2057 lsabspell, MT 59903 Ph: 800-637-3846 ext 235 Fax: 406-756-8263 E -MAIL CONFIDENTIALITY NOTICE- The contents of this e -mail message and any attachments are intended solely for the addressee(s) and may contain confidential and/or legally privileged information. If you are not the intended recipient_ of this message or if this message has been addressed to you in error, Tease immediately alert the sender by reply e --mail and t4hen delete this mes -sage and any attachments- If you are not the intended recipient, you are notified that any use, dissemination, distribution, crp•,ving, Or storage of this message or any attachment is strictly prohibited, l sack l http:// mailc enter2. comcast. netl w,nclvlwml4457B]3E4OW34CCIOW4 75822007589429704... 5f2/2006 f 02:-06`200111 It.-46 FAX 212 232 8490 REJUti -ARD WILLI.AXS & co 1�pU2 crtts Page t of 2 twin Baker A'S -L., t.J- Fmm: Terrell, Carolyn (cterre1lQnf1psWt.com7 t: Friday, February 03, 2006 4:60 PM To: 4win Baker Cc: Bowen, Cathleen Subject: RE: Question about historical buildings (Thread 6936) Hi Ms. Baker, I hope this is the information you are requesting regarding historical buildings. All historic buildings are considered Pre -Firm as tong as the building meets the definition of a historic building. Pre-Firm buildings that are substantially improved may continue being rated as Pre -Firm if Certain conditions are satisfied Pre -Firm rating is applicable ONLY when ALL of the following conditions are met: The building must be Pre -Firm. The substantial improvements must be an ADDITION to the building. (This condition excludes substantial improvements made as interior remodeling or repair projects.) - The ADDITION and extension must be next to and in contact with the existing building. ( This condition does not apply to substantial improvements consisting of the canstruction of additional floors.) An Elevation Certiftete must be submitted to the NFIP underwriting unit with the application or renewal. The Elevation Certificate must verify that the lowest floor elevation of the ADDITION is at or above the applicable base flood elevation in effect at the time the addition is started. If all of the above conditions are Satisf*d, the entire building is eligible for Pre -Firm rates. (Except for some V -Zone risks and some manufactured mobile home risks, Post -Firm rates provide less costly coverage And, therefore, the coverage may be rated using the lower Post -FIRM rates.) If the above conditions are not satisfied, the entire building MUST be rated as Post -FIRM. The FEMA web site has many resources for consumers interested in the NFIP. .Tease see: htt�;IlwVsrw,tem8 �tavinfir�linfocon shtm if you have additional Questions, please contact the NFIP Help Center at 1- 866 -395 -7496. Thanks Carolyn Merrell From: Mark Rhoades j maiko :Mack.Rtmdes@maprrxadteam.com} Sent.' Friday, February 03, 2-006 2 :59 PM To; pert- sltpport *nfIpstat.com Subject; FW: Question about historical buildings (Thread :5936) P)nse respond to gbak� Corti size-3 width =" 100 % - align– ccriter tabindex -1> gym. G*in Baker [rnaiito :gbaker @bwc-co.com] Sent: Friday, February iii, 2006 2,44 PM To; askttwxpelt0mapmodteam.corn Subject: Question about historical buildh9s (Thread:6936) i I have a client that is about to purchase a historical dwelling. Because of the size lot this house sits 4n, he plans 022/0612006 FEB 06,2006 12:40A BERNARD WILLIAM 912 232 8490 page 2 14;06,2006 11:47 FAX 912 232 QASO BERNARD WILLI:I'iFS & CO �8tta: ova Page 2 of 2 to move the house approx 34 ft so that he can build another structure on the same lot_ The house is currently prefrm in an A zone. The house is elevated with an enclosure ( Maid Quarters ) Because of the historical nature of the house, he is not allowed to remove the enclosure. The enclosure is below base flood. if he moves the house, would It still be prefirm or would a new date of construction be used, making it a submit for rate. Gwin Baker 6emard Williams & Co 912-234-4476 exl 3050 912 - 232 -8490 fax firer csibvrccr�_ stun This email has been scanned by the MessageLabs Email Security System.. For more information please visit http:: /w .messagelabs.com/email E-MAIL CONFMENTiALrrY NOTICE: The contents of this e-mail message and any attachments are intended solely for the addn mee(s) and may contain confidential and/or legally privileged information. If you are not the intended recipient of this message or if this message has been addressed to you in error, please immediately alert the sender by reply e-mail and theca delete this message and any attachments. If you are not the intended recipient, you are notified that any use, dissemination, distribution, copying, or storage of this message or any attachment is siric W prohibited. 02/06/2006 FEB 06, 2006 12 . 40A BERNARD WILLIAM 912 232 8490 page 3 t}: irr3 .itt;6 11 :40 FAX 912 232 0490 BER' ARD WILLIAMS & CO q00 - -11 11,..1 C t 40 0011- 003 Nh'�ri± '+,.rCsvn.li r iut.j :t.:ur,it�t� t- {i3r3t:1l�E Ucl.crsLeai;s `1.c:t5�xit dfit�::4ei t?:jrtul2t NO L A4r#res, W tAP11 w 'w.feMa- goVjnfiP 19def2.5f tz *H 'Go iLi*S " condominium buildings have fire or more units and at least gtrer tlaors e>~clutltn j antiasure �n if It !s me lowest tfasxr fa* ra #ng Gurttoses. An encinaui� below an el ted building, even if it is the lowest boor for rating Purposes, cannot be counted as a toot to avoid ciasslfyirip the building as law rise_ HkOa ft OLddbft} - -Any building that Is: Listed intlividuaity m"Na`rtionai Register of Historic places (a listing maintained by the Department ofthe inumor) or preliminarily determined by me Secretary of the Interior as meong Ine r"wrernents for iridividuai listing on Vw National Register, or Cerfttied or preliminarily determined by the Secretary of the interior as contributing to the hiMricai signdIcance of 8 registered htstoric district or a distrk-t preliminarily determined by the Secretary to qualify as a registered historic districts ar Individually listed in a state Inventory of histr-iric places to states wide preservation Programs that have bOen approved by the Secretary otthe interior, or Individually listed rin a local inventory of historic plates In comr±i n1 i €s imth historic preserwabon programs that h" been certified either, -Bf are approved stat? program as determined by" Secretary ptihe interior, or - -Difeetty by the 9ecretW of the interior in states vAthout apprewed programs- irt!c"899d C>>nst Of tom Ce-- Coverage for expenses a prop" Owner must incur, 9boys and berrand the cost to repair the phy€iczl damage tha structure actually sustained from a flooding event, to comply with mitigation requirements of State Of 14ca1 0001iplarr3 management Ordinances Of laws. Adaptable rttif}Aation rrreatwes are ele-abon, iloodproofing, relocation, ciemoN ian, or any com4ingbort thereof: i Utter or >3ehmnlrwtim figs (LOW- FEMKs ruling on the determin3lon made by a iender [� car thirst ga trlst a bosfdwlr'S building Is Ina Spacial flood Hazard Airea(UHN, A LO OR deals 0MY"th the location of a building *alaUive tot Me SFH A boundary shown on the Flood insurance Rats Matt. Letter ad nip (LOW). -An amendment to t;ie curet" effective FEMA rnau which t esial)ltstles thet a WoVerV is not located -in a. S"Cidl Flood Hazard Ares. .'k LOMAs is issued Internet E Ears . I y ti ? 10:Z3 AM r { r TO: RE: It 1 QUATREFOIL CONSULTING HISTORIC PRESERVATION CONSULTANTS ROBERT A. CIUCEVICH, PRINCIPAL INVOICE 5/08/06 John Wylly Preparation of Part 1 — Evaluation of Significance Work to be accomplished in preparing application: ❖ Photo Documentation ❖ Preparation of Floor and Site Plans ❖ Physical Description and Statement of Significance Preparation of Part 1 form •'• Coordination with Historic Preservation Division Coordination with City of Tybee Island Fee Structure: $30.00/hour (materials included) Labor: 20 hours x $30.00 = $600.00 TOTAL DUE: $600.00 22 W. BRYAN ST. #139 SAVANNAH, GA 31401 912- 233 -8655 RACQUATREFOIL @AOL.COM HISTORIC PRESERVATION Raised Tybee Cottage CERTIFICATION APPLICATION - Property Name PART 1 NIPS Office Use Only Project Number: 1714 Chatham Avenue, Tybee Island GA 31328 Property Address S. Description of physical appearance: Appears individually eligible for listing in the National Register: The cottage at 1714 Chatham Avenue was erected c1935 and is one of 110 Raised Tybee Cottages built by several different builders and contractors on Tybee during the mid 1920s through the mid 1950s. The Raised Tybee Cottage is a local building type found only on Tybee Island and no where else in Georgia. The building retains its complete structural and architectural integrity with only a few alterations. 1714 Chatham Avenue is an outstanding, well preserved example of the Raised Tybee Cottage type. The cottage is unlike most Raised Tybee Cottages built during the early 1930s as it does not feature servant quarters and bath /changing rooms on the ground level. Rather, three bedrooms, each with its own '/2 bath, were included on the ground floor to provide additional living space. 1714 Chatham Avenue is a typical example of the type modified to meet the specific needs of the family for whom it was built. The cottage is a frame, rectangular, two -story beach house in which the main living quarters are situated on the raised level and additional bedrooms, bathrooms, and automobile stalls are located on the ground level. The cottage has a low pitched, asphalt shingle hip roof with slightly overhanging eaves, lateral exterior concrete block chimney, and a recessed wrap- around porch that extends the length of the fagade (west elevation) and south elevations. Vinyl siding has been added over the original clapboard exterior of the raised main living quarters (except under the porch), which is raised a full story on trussed wood piers. The ground level is enclosed by a lattice work surround comprised of evenly spaced vertical slats measuring 3" wide and 1" deep that are affixed to a horizontal framing between exterior wood foundation piers. The front fagade faces west toward the Back River and features a continuous lattice work surround along the ground level and a recessed porch along the raised main living section. An exterior wood staircase in the fagade provides access to the raised porch and the formal entrance to the main living quarters. One set of hinged lattice garage doors provide access to the auto stall located on the south side of the ground level. The front fagade of the raised main living quarters features paired and single 6/6 windows and a fully glazed entry door with multiple rectangular lights. The south elevation faces 18th Street and features a continuous lattice work surround along the ground level and a recessed porch along the length of the raised main living section. The south fagade of the raised main living quarters features paired and single 6/6 windows and a pair of five panel wood doors that provide direct access to the porch from the bedrooms. (continued ) Date of Construction: c1935 Source of Date: Saborn Map, tax assessor records Date(s) of Alteration(s): c1950s - 1970s Has building been moved? ❑ yes E no If so, when? 6. Statement of significance: 1714 Chatham Avenue is significant in architecture, community planning, and recreation /entertainment as a good example of the type of seasonal beach houses that were built for middle class families on Tybee Island during the height of the resort's popularity and as a mid period example of the local "Raised Tybee Cottage" building type. The Raised Tybee Cottage is a local cottage type unique to Tybee Island and not found anywhere else in Georgia. The cottages compact, two - story, raised design, developed as a result of the introduction of the automobile to Tybee Island following the completion of the Tybee Road in 1923. The opening of the Tybee Road spurred a dramatic increase in the demand for oceanfront property, causing development and construction practices in the Strand district to be changed dramatically. Instead of one large cottage being built in the center of an original oceanfront lot, the lots were subdivided and many smaller cottages were built. The smaller size of the lots required a different type of cottage than those built on the island in previous years. The new cottage that developed as a result of these trends incorporated elements of older Tybee beach cottages - the Strand and South End /Back River cottages. The combination of the recessed wrap- around porches and compact square shape of the Back River Cottages and the ground level location of the changing rooms and servants quarters of the Strand Cottages allowed maximum utilization of the newly subdivided lots. The most significant evolutionary trait of the Raised Tybee cottage, however, is its full height ground level, which was raised a full story in order to incorporate garage space for automobiles into the new design. The ground level is enclosed with a characteristic lattice-work of vertical slats, while lattice garage doors provide access to the auto bay. The compact design of the Raised Tybee Cottage and its accommodation of the automobile are local characteristics that reflect the changes in land use and development trends brought on by the completion of the Tybee Road. 1714 Chatham Avenue retains a good degree of original fabric and is an outstanding, well preserved example of the Raised Tybee Cottage type. The cottage is unlike most Raised Tybee Cottages built during the early 1930s as it does not feature servant quarters and bath /changing rooms on the ground level. Rather, three bedrooms, each with its own 1/2 bath, were included on the ground floor to provide additional living space. 1714 Chatham Avenue is a typical example of the type modified to meet the specific needs of the family for whom it was built. The cottage displays all of the hallmarks of the type, including two -story height, overhanging eaves and recessed wrap- around porches, main living quarters raised on trussed wood piers, and ground level containing auto stall encisoed with lattice work surround. Other features include an intact heart pine interior that retains its original varnished finish that was common for Tybee cottages of the early 20th century. 1714 Chatham Avenue, with its many design features, provides a glimpse into 1930s summer cottage life on Tybee Island. (continued) 7. Photographs and maps. Attach photographs and maps to application Continuation sheets attached: E yes ❑ no Form 10 -168b Rev. 12/90 CONTINUATION / AMENDMENT SHEET Raised Tybee Cottage Historic Preservation Property Name Certification Application 1714 Chatham Ave, Tybee Island, GA 31328 Property Address OMB Approved No. 1024 -0009 Instructions. Read the instruction carefully before completing. Type, or print clearly in black ink. Use this sheet to continue sections of the Part 1 and Part 2 application, or to amend an application already submitted. Photocopy additional sheets as needed. This sheet: 0/continues Part 1 ❑continues Part 2 ❑amends Part 1 ❑amends Part 2 NIPS Project Number: 5. Description of physical appearance (continued): The rear or east elevation faces the lane (un- opened 1 � Avenue) and features single, standard sized 6/6 wood windows as well as smaller, single 616 windows where bathrooms are located. Almost all of the east elevation of the ground floor is balloon frame as additional rooms are located along the east side of the ground floor. Two bedrooms (Bedrooms #1 and #3 on attached floor plan), one on each side of two adjoining bathrooms (one bath for each room), are located along the east wall of the ground level. Two doors that open onto a small one -story stoop provide exterior access to the bedroom in the northeast comer (Bedroom #3) and its attached bathroom, respectively (the door to the bedroom is the original access door while the door to the bathroom is a non - historic alteration). An exterior wood staircase along the rear of the cottage provides private access between the raised main living quarters and the ground level. A lattice door at the foot of the stairs provides direct access to the ground level bedrooms. The north elevation of the cottage features both lattice work as well as balloon frame wall along the ground level. The balloon frame wall features 6/6 wood windows and is the north wall of two ground floor bedrooms (Bedrooms #2 and #3 located in the northeast corner of the ground floor). The north elevation of the raised living section features 6/6 wood windows and the north end of the wrap- around porch. The only other changes to the exterior of the cottage (apart from the installation of vinyl siding over the original clapboard siding) were made when the recessed porch was screened in and a large, raised shed addition was added on the rear. Although the porch retains its original 4x4 wood posts, wood decking, and bead board ceiling, the original balustrade was replaced with a balloon frame bottom wall and top framing. The shed addition, which appears to have been added during the late 1950s or early 1960s, replaced the top section of a two -tier stoop (the bottom tier is still extant). The raised main living quarters displays an intact, bungalow- derived floor -plan featuring a large, open common room with separate living and dining areas, kitchen, hall, two bedrooms, one full bathroom, built -in closets, and an office/family room (added late 1950s /early 1960s). The large common room and kitchen are located along the north side of the cottage while the bedrooms and bathroom are located along the south side. Both bedrooms feature access doors that lead directly onto the porch. The floor plan is centered on a small L- shaped hall that ties together the public and private spaces of the cottage. The cottage retains its original unpainted, heart pine interior, which was common for Tybee cottages during the early 201" century. The interior features varnished paneling on walls and ceilings, with wall boards oriented vertically. All rooms feature hardwood floors, pine base boards and crown molding, simple pine door and window frames, and two -panel doors. The interior also retains an original brick -faced fireplace with pine board mantel located along the north wall of the dining room. The open ground level features one auto stall and three bed rooms, all of which are positioned between the trussed wood piers that support the raised main living quarters of the cottage. Wood piers measure 8 x 8 inches wide and rest on, and are bolted to, 1 x 1 foot wide, and 1 foot tall, poured concrete pillows. Areas underneath the porch remain characteristically open, while the auto stall and service - related rooms are all located underneath the main mass of the raised living section. Originally, the ground level featured separate, poured concrete walks that led to the ground level rooms and exterior stairs on the rear of the cottage, as well as concrete tread pads for the auto stall. A continuous concrete foundation was added later by filling in the earthen areas between the walkways with poured concrete Signature Date oireei City_ State Zip Daytime Telephone Num NPS Office Use Only The National Park Service has determined that these project amendments meet the Secretary of the Interior's "Standards for Rehabilitation." The National Park Service has determined that these project amendments will meet the Secretary of the Interior's "Standard for Rehabilitation" if the attached conditions are met. The National Park Service had determined that these project amendments do not meet the Secretary of the Interior's "Standards for Rehabilitation." Date National Park Service Authorized Signature ❑ See Attachments National Park Service Office/Telephone No. Form 10-168b Rev. 12/90 CONTINUATION / AMENDMENT SHEET Raised Tybee Cottage Historic Preservation Property Name Certification Application 1714 Chatham Ave Tybee Island GA 31328 Property Address OMB Approved No. 1024 -0009 Instructions. Read the instruction carefully before completing. Type, or print clearly in black ink. Use this sheet to continue sections of the Part 1 and Part 2 application, or to amend an application already submitted. Photocopy additional sheets as needed. This sheet: ®continues Part 1 ❑continues Part 2 ❑amends Part 1 ❑amends Part 2 NPS Project Number: 5. Description of physical appearance (continued): The auto stall is located off - center toward the south side of the ground level, and is accessed on the west side of the cottage through a pair of hinged lattice garage doors. The three ground level bedrooms are located in a cluster along a section of the north and east walls of the ground floor. Each bedroom features a private, built in 1/2 bath. Bedroom #1 and #2 are accessed through exterior doors within the enclosed ground level, while Bedroom #3 is accessed through a door along the east wall of the cottage. These rooms are balloon frame and feature clapboard exteriors, five -panel doors, and 6/6 windows. Interiors feature the same basic characteristics as the raised main living quarters: pine board walls and ceilings with wall boards oriented vertically; hard wood floors; and simple pine door and window frames. The only changes to the ground level occurred during the 1970s when the three bedrooms were converted into an apartment. Cased openings were created between the rooms and Bedroom # 3 was converted into a kitchen. The walls of Bedroom #2 were covered over with paneling, while the bathroom was converted into as HVAC closet (probably for the cottage as a whole). 6. Statement of significance (continued): 1714 Chatham Avenue represents an important local building type that developed as a standard for beach house design on Tybee Island during the late 1920s and 1930s with variations on the cottage type persisting through the 1950s up to the present. Signature Date City State Zip Daytime Telephone Number NPS Office Use Only ❑ The National Park Service has determined that these project amendments meet the Secretary of the Interiors "Standards for Rehabilitation." ❑ The National Park Service has determined that these project amendments will meet the Secretary of the Interiors "Standard for Rehabilitation" if the attached conditions are met. ❑ The National Park Service had determined that these project amendments do not meet the Secretary of the Interiors "Standards for Rehabilitation." Date ❑ See Attachments National Park Service Authorized Signature National Park Service Office(Telephone No. Office /Family Room Ub Kitchen 3 Dining Room rHV7AC Elevatc Shaft Common Room Living Room Bedroom Porch Raised Tybee Cottage, Existing Floor Plan — Raised Main Living Quarters 1714 Chatham Ave, Tybee Island, Chatham County, GA 31328 Drawn by R.A. Ciucevich 2006 Porch Original Floor Plan — Ground Level Raised Tybee Cottage, 1714 Chatham Ave. Tybee Island, Chatham County, GA 31328 Drawn by R.A. Ciucevich 2006 Lattice Door I Open Area I I I I I I I I I l� AM I VAN Open Area Auto Stall 014 M//, \-- 0 I I I Open Area I I I I I I I 1 Lattice I l I t I I I I I I t l I Lattice Garage Doors N� Raised Tybee Cottage — Site Plan 1714 Chatham Avenue Tybee Island, Chatham Co., GA Drawn by R.A. Ciucevich 2006 18th Street C O G� W HISTORIC PRESERVATION Raised Tybee Cottage CERTIFICATION APPLICATION - Property Name PART 1 NPS Office Use Only Project Number. 1714 Chatham Avenue, Tybee Island, GA 31326 Property Address 5. Description of physical appearance: Appears individually eligible for listing in the National Register: The cottage at 1714 Chatham Avenue was erected c1935 and is one of 110 Raised Tybee Cottages built by several different builders and contractors on Tybee during the mid 1920s through the mid 1950s. The Raised Tybee Cottage is a local building type found only on Tybee Island and no where else in Georgia. The building retains its complete structural and architectural integrity with only a few alterations. 1714 Chatham Avenue is an outstanding, well preserved example of the Raised Tybee Cottage type. The cottage is unlike most Raised Tybee Cottages built during the early 1930s as it does not feature servant quarters and bath /changing rooms on the ground level. Rather, three bedrooms, each with its own 1/2 bath, were included on the ground floor to provide additional living space. 1714 Chatham Avenue is a typical example of the type modified to meet the specific needs of the family for whom it was built. The cottage is a frame, rectangular, two -story beach house in which the main living quarters are situated on the raised level and additional bedrooms, bathrooms, and automobile stalls are located on the ground level. The cottage has a low pitched, asphalt shingle hip roof with slightly overhanging eaves, lateral exterior concrete block chimney, and a recessed wrap- around porch that extends the length of the fagade (west elevation) and south elevations. Vinyl siding has been added over the original clapboard exterior of the raised main living quarters (except under the porch), which is raised a full story on trussed wood piers. The ground level is enclosed by a lattice work surround comprised of evenly spaced vertical slats measuring 3" wide and 1" deep that are affixed to a horizontal framing between exterior wood foundation piers. The front fagade faces west toward the Back River and features a continuous lattice work surround along the ground level and a recessed porch along the raised main living section. An exterior wood staircase in the fagade provides access to the raised porch and the formal entrance to the main living quarters. One set of hinged lattice garage doors provide access to the auto stall located on the south side of the ground level. The front facade of the raised main living quarters features paired and single 6/6 windows and a fully glazed entry door with multiple rectangular lights. The south elevation faces 18th Street and features a continuous lattice work surround along the ground level and a recessed porch along the length of the raised main living section. The south facade of the raised main living quarters features paired and single 6/6 windows and a pair of five panel wood doors that provide direct access to the porch from the bedrooms. (continued ) Date of Construction: c1935 Source of Date: Saborn Mao, tax assessor records Date(s) of Alteration(s): c1 950s -1970s Has building been moved? ❑ yes ® no If so, when? 6. Statement of significance: 1714 Chatham Avenue is significant in architecture, community planning, and recreation /entertainment as a good example of the type of seasonal beach houses that were built for middle class families on Tybee Island during the height of the resort's popularity and as a mid period example of the local "Raised Tybee Cottage" building type. The Raised Tybee Cottage is a local cottage type unique to Tybee Island and not found anywhere else in Georgia. The cottages compact, two - story, raised design, developed as a result of the introduction of the automobile to Tybee Island following the completion of the Tybee Road in 1923. The opening of the Tybee Road spurred a dramatic increase in the demand for oceanfront property, causing development and construction practices in the Strand district to be changed dramatically. Instead of one large cottage being built in the center of an original oceanfront lot, the lots were subdivided and many smaller cottages were built. The smaller size of the lots required a different type of cottage than those built on the island in previous years. The new cottage that developed as a result of these trends incorporated elements of older Tybee beach cottages - the Strand and South End /Back River cottages. The combination of the recessed wrap- around porches and compact square shape of the Back River Cottages and the ground level location of the changing rooms and servants quarters of the Strand Cottages allowed maximum utilization of the newly subdivided lots. The most significant evolutionary trait of the Raised Tybee cottage, however, is its full height ground level, which was raised a full story in order to incorporate garage space for automobiles into the new design. The ground level is enclosed with a characteristic lattice-work of vertical slats, while lattice garage doors provide access to the auto bay. The compact design of the Raised Tybee Cottage and its accommodation of the automobile are local characteristics that reflect the changes in land use and development trends brought on by the completion of the Tybee Road. 1714 Chatham Avenue retains a good degree of original fabric and is an outstanding, well preserved example of the Raised Tybee Cottage type. The cottage is unlike most Raised Tybee Cottages built during the early 1930s as it does not feature servant quarters and bath /changing rooms on the ground level. Rather, three bedrooms, each with its own 1/2 bath, were included on the ground floor to provide additional living space. 1714 Chatham Avenue is a typical example of the type modified to meet the specific needs of the family for whom it was built. The cottage displays all of the hallmarks of the type, including two -story height, overhanging eaves and recessed wrap- around porches, main living quarters raised on trussed wood piers, and ground level containing auto stall enclsoed with lattice work surround. Other features include an intact heart pine interior that retains its original varnished finish that was common for Tybee cottages of the early 20th century. 1714 Chatham Avenue, with its many design features, provides a glimpse into 1930s summer cottage life on Tybee Island. (continued) 7. Photographs and maps. Attach photographs and maps to application Continuation sheets attached: 0 yes ❑ no Comcast Message Center Page 2 of 3 € #i.d ' 0 F4 1'sJi: 4 06.2.5 -5 709 ,1'i ?s t "11. .`?1?ft j�} ad '.�L:i..�i'f.I�:?�Z;���5. ►�Z�. C'� }I}� Front: Holt:, Lisa Sent: ",jesda f, May 02; 2006 7 :57 AM To: Salo, Shaunda Subject: FW, Quenon One addendum to this --_it's an historical building and they are worried about losing the historic -al -status if it must have a new DOC. -... Lisa Holt Customer Service Representative Fiood Processing Center PCB Box 2057 665 Corporate Dr Kalispell, MT 69901 Phone ; -800-37-3846 Fax # 406- 756�2.63 email fisa.holt @nfsmt,corn 0 _e S L 2, _..--- Originai message---- From: Erickson, Lindsey 'ant. — 2ue5day, May 02, 20,06 7:554 AM To: ;alo-, Shau€r da Cc: Holt, Lisa Subject: Question Hi Shaunda, If an insured has to move their building 15 feet on the same lot will they have to write a new policy and cancel the old one for building removed? Would the date of construction change from Pre to Post - Firm? Thanks, Lindsey Lind8eyErickson Flood Procextsing Center Region 4 Supervisor httpJ/ mailcenter?.comcast.netlwmc /v,u n14457BBg40 0034CCtO04758?2007589424704... 5/2/2006 W Inspection Report City of Tybee island 403 Butler Avenue P..O. Box 2749 TYbee ISIdnd, GA 31328 Phone: (912) 786-4SI3 extension 114 Fax- (912) 766-9NJ9 Permit No- Lq L4 Q (late Rer upsted (e:, Date Needed I tz, f-3f-r.. Contrat-for Subcontrvirtor C. o ntaut N; i m he r 0- Date of Jnspertint'l 61, Time Inspertor Type of ( nsperho n C LA => ) r 4r V. ** * * * * * * * * * * ** —Comm. RNAL— * * * * * * ** * * * * * * * * ** DATE DEC -15 -20 c * * ** TIME 14:16 * * * * * * ** MODE = MEMORY TRANSMISSION START= DEC -15 14:15 END = DEC -15 14:16 FILE NO. =995 STN COMM. ONE — TOUCH/ STATION NAME /EMAIL ADDRESS /TELEPHONE NO. PAGES DURATION NO. ABBR NO. 001 OK a 4438877 001/001 00 :00 :21 —CITY OF TYBEE ISL. — ****** * * * * * * * * * * * * * * * * * * * * * * * * * * * *N <* —CITY OF TYBEE — * * * ** — 912 786 9539— * * * * *** ** RELEASES FOR ELECTRIC SERVICE FROM TYBEE ISLAND FOR SAVANNAH ELECTRIC. FAX TO: Lynn Brennan M444*537 Phone 912- 443.5063 '•1� -13 g�'h�] O(O - 0)449 Location Address: G(Q �,�a -�hal� Ave, Lot# 2o A_ Release Date: Type of Release: Temporary /Pitermanent Subd Name: Electrician: r-, a Electrician Phone Number: 7,..71 r 4911-0 Owner/Builder: �n ,r, �,J.� w Phone Number: (O l01 9 b -OZS2- Location Address: Type of Release: Electrician: �C . Owner/Builder: Lot # 3 -A: Release Date: i 2 -f s•o b ""40 -r %p. poWA-r" Permanent Subd Name: e C, • Electrician Phone Number: '3'p-I 4 - 13o,�7 �� an Phone Number. ql� 1 -21-- 3`x"2 S Location Address: Lot # Release Date: Type of Release: Temporary _ Permanent Subd Name: Electrician: Electrician Phone Number: Owner/Builder: Phone Number: Inspection Report UtV of Tybee island 40-3 Butler Aveno-se P.O. Box 2749 Tybee Island, GA 31328 Phone: (912) 786-4573 extension 114 Fax: (912) 786-9539 Pe• mitMir, 0(,p-04k-�(3 Owner'� Namf- -1 Date Re4livested Date Needed Uer?_ Uontractor Subcontractor Contact Ntimber r-) -D \1--1 r---, � -2- Lucation C, Date of Inspection -1 ime Inspector-- Type at' Inspection IVG4 1-4? 'ej- / I I f A14 I AJ ( 3-1- ✓ File No. M07326021 Pa a #1 SuaDlemental Addendum Rya Mn eemz�an� Borrower /Client JOHN WYLLY, III & JULIA WYLLY Property Address 1714 CHATHAM AVENUE City TYBEE ISLAND County CHATHAM State GA Zip Code 31328 Lender THE SAVANNAH BANK -BULL 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. 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 IRRESPONSIBILITY 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 NO 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. THIS APPRAISAL INSPECTION SHOULD NOT BE CONSIDERED A HOME INSPECTION 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 PACREL 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 1716 Chatham Avenue Expense Report Item Amount Framing Labor $11,400 Paint Labor $7,021 House Move $10,000 Foundation $12,077 Roof $5,600 Electrical $8,172 HVAC $4,500 Plumbing $4,588 Kitchen & Bath $8,264 Drywall $576 Insulation $901 Lumber $6,984 Garage Door $1,388 TOTAL $81,471 Page 16 of 16 elements must be brought up to code as part of an improvement project. This is very different from a code violation citation that forces a property owner t those violations and make improvements that were otherwise not planned. The building must know about and document the violations before or at the time the permit is issu Example A small business in a 40 -year old building was damaged by a fire. The building's pre market value was $100,000. The insurance adjuster and the permit office concluded th cost to repair would be $45,000. However, the community's building code states that whenever an applicant applies for permit to modify or improve a building, the building must be brought up to code. Thi would need the following additional work: • Replace unsafe electrical wiring. • Install missing fire exit signs, smoke detectors and emergency lighting. • Widen the front door and install a ramp to make the business accessible to handicapped and mobility- impaired people. The total cost of these code requirements would be $8,000. However, since these were required by the code before the fire occurred, they would not have to be counted tow to repair. Based on the basic formula: $45,000 = 0.45 or 45% The building is not declared $100,000 substantially damaged In this example, the building can be repaired without elevating or floodproofing. Ho the permit office should strongly recommend incorporating flood protection measures resistant materials in the repair project (as in the example in Figure 8 -2). http:// www .fema.gov /txt/floodplain/nfip_sg unit_8.txt 2/20/2007 Page 12 of 16 Note: See also Figures 7 -7 through 7 -12 for what happens to flood insurance premiums substantially damaged building is granted a variance and is not brought up to post -F standards. n Figure 8 -11. Even slow moving floodwater can cause substantial damage. SUBSTANTIAL DAMAGE SOFTWARE FEMA has developed a software program to help local officials make substantial damag determinations. The software is based on Microsoft Access, but is self - contained and require any software in addition to a Windows operating system. The software comes with a manual, Guide on Estimating Substantial Damage Using the NFIP Residential Substantial Damage Estimator, FEMA 311. This includes a user's manu worksheets that allow the calculations to be done manually. Contact your FEMA Regional Office for a copy of the software package and help in usi Following a major disaster declaration, training sessions and technical assistance m available. INCREASED COST OF COMPLIANCE On June 1, 1997, the NFIP began offering additional coverage to all holders of struc flood insurance policies. This coverage is called Increased Cost of Compliance or IC The name refers to cases where the local floodplain management ordinance requires elevation or retrofitting of a substantially damaged building. Under ICC, the flood policy will not only pay for repairs to the flooded building, it will pay up to $30, cover the additional cost of complying with the ordinance. This is available for any insurance claim and, therefore, is not dependent on the community receiving a disast declaration. There are some limitations to ICC: • It's only available if there was a flood insurance policy on the building before t flood. • It covers only damage caused by a flood. • Claims are limited to $30,000 per structure. • Claims must be accompanied by a substantial damage determination by the floodplain ordinance administrator. It should also be mentioned that a portion of the rest of the claim payment may help cost of bringing the building up to code. For example, if there was foundation damag regular claim will pay for the cost of repairing or replacing the foundation. The IC only be needed for the extra costs of raising the foundation higher than it was befo An ICC claim cannot be paid unless the community has determined the building to be substantially damaged and requires that the building comply with local ordinance req http:// www. fema .gov /txUfloodplain/nfip_sg_*n _8.txt 2/20/2007 Original Floor Plan — Ground Level Raised Tybee Cottage, 1714 Chatham Ave. Tybee Island, Chatham County, GA 31328 Drawn by R.A. Ciucevich 2006 Lattice Door t Open Area t t t f t I i i 1 0- El a Mx - Open Area Auto Stall N M/1- \-- 0 t i I Open Area t t i �L!tl t t t Lattice t 1 i t t t t t t t t t t Lattice Garage Doors. Comcast Webmail - Email Message Shaunda Salo Customer Service Manager Flood Processing Center PO Box 2057 Kalispell, Mt 59903 -2057 Phone: 888 -888 -2169 ext 247 Fax: 406 -257 -5709 Email: Shaunda.Salo@nfsmt.com From: Holt, Lisa Sent: Tuesday, May 02, 2006 7:57 AM To: Salo, Shaunda Subject: FW: Question Page 2 of 3 z One addendum to this.... it's an historical building and they are worried about losing the historical status if it must have a new DOC..... Lisa Holt Customer Service Representative Flood Processing Center PO Box 2057 555 Corporate Dr Kalispell, MT 59901 Phone # 1- 800 -637 -3846 Fax # 406 - 756 -8263 email: lisa.holt@nfsmt.com - - - -- Original Message---- - From: Erickson, Lindsey Sent: Tuesday, May 02, 2006 7:54 AM To: Salo, Shaunda Cc: Holt, Lisa Subject: Question Hi Shaunda, If an insured has to move their building 15 feet on the same lot will they have to write a new policy and cancel the old one for building removed? Would the date of construction change from Pre to Post -Firm? http: / /mailcenter2. comcast. net/wmc /v /wm/45 DB O417000DF2 8000004DAA2205 8 8601497... 2/20/2007 MINOF SUBDIVISION OF LOT 20, WARL) NO, 51 ,TYBEE ISLAND CURRENTLY KNOWN AS �'� CHATHAM AVENUE (KNOWN AS 14 CHATHAM AVENUE BY CHATHAM COUNTY) TYBEE ISLAND, CHATHAM COUNTY, GEORGIA FOR JOHN C. WYLLY, III 10 OS O 10 20 IPF SCALE P � 10 !'T FIELD • / •• FIELD SURVEYS v JANUARY 23, 2006 (L N J FEBR ARYF 01, 2006 P M P � N Q (.dre SS ��" N a 1 • // Zp • R1 IRS 1 to D Z IRF / I y S�18PC� r I IRS rn LOT ( m LOT I W I I_nT p m 20 A l 0 20 B yea 21, 5,561 s.f. ACRE Z 0.1277 ( ) I I 0.1296 ACRE (5,647 s.f.) A NOW OR FORMERLY FREDA S. RANITZ ru a " v � ti HI w 1 N TWO STORY I = WOODEN FRAME RESIDENCE Z o N ca TO BE RELOCATED HERE � � o -i b to Fri 3 I Z F71 a, ' ( Y ID o m Lr. 2 10' BUILDING SETBACK • S 10' BUILDING SETBACK IRF 68,00' IRS 52.00' .. IPF • 120,00' S 19.00'00" W L 0 V E L L A V E N U E 6 0' R / W MPGN��Ic A �� STREET 2 M = � srREET P e SITE _ e VICINITY MAP NOT TO SCALE PARENT P.I.N.: 4- 0009 -01 -004 REFERENCE: SURVEY OF SUBJECT LOT BY MICHAEL E. MOORE. RLS, DATED APRIL 09, 2002 IRF DENOTES IRON ROD FOUND IPF DENOTES IRON PIPE FOUND IRS DENOTES IRON ROD SET IN MY OPINION IN ACCORDANCE WITH F,I.R,M, MAP NO. 135164 0002 C, INDEX DATED JUNE 17, 1986, THIS PROPERTY DOES LIE WITHIN A DESIGNATED FLOOD HAZARD AREAL ZONE A8 ELEV 14 EQUIPMENT USED. SOKKIA SET 4110 TOTAL STATION LOT 20 A ERROR OF CLOSURE: 1 / 36,759 (FIELD) ERROR OF CLOSURE: 1 / 91,370 (PLAT) ANGULAR ERROR: Y PER POINT TOTAL AREA : 0.1277 ACRE (5,561 s.f.) METHOD OF ADJUSTMENT: NOT ADJUSTED LOT 20 B ERROR OF CLOSURE: 1 / 36,759 (FIELD) ERROR OF CLOSURE: 1 / 69,088 (PLAT) ANGULAR ERROR: Y PER POINT TOTAL AREA : 0.1296 ACRE (5,647 s.f.) METHOD OF ADJUSTMENT: NOT ADJUSTED APPROVED BY, JASON BEULTERMAN MAYOR CITY OF TYBEE ISLAND DATE DEE ANDERSON ZONING ADMINISTRATOR CITY OF TYBEE ISLAND ,;--) ,. 011— DATE 'Z •vL DIANE SIKES CITY CLERK CITY OF TYBEE ISLAND 12—p._J DATE —9 - 7-D6 OWNER, JOHN C, WYLLY, III DATE Z CHATHAM SURVEYING SERVICES, INC. P.O. BOX 61649 SAVANNAH, GEORGIA 31420 912- 303 -0302 CO R O f JAMES M. KEATON p "'s TEq G.. Rep. No. 2743 �4 N1. 2743 r IN MY OPINION, THIS IS A CORRECT REPRESENTATION 9,� o sUP. OF THE LAND PLATTED AND HAS BEEN PREPARED IN Ns M. KCP CONFORMITY WITH THE MINIMUM STANDARDS AND REQUIREMENTS OF GEORGIA LAW. CHATHAM SURVEYING SERVICES, INC. P.O. BOX 61649 SAVANNAH, GEORGIA 31420 912- 303 -0302