HomeMy Public PortalAbout225 Bowers Avenue Closing DocumentsThis instrument prepared by:
Moulton Land Title, Inc.
660-A North Ferdon Blvd.
Crestview, FL 32536
File Number: 22-611
17-3 N-23 -2490-013 3 -014B
Inst. #3605929 Bk: 3662 Pg: 70
Page 1 of 2 Recorded: 2/13/2023 1:31 PM
RECORDING ARTICLE V: $8.00 RECORDING: $10.50
D Doc Stmp: $140.00
DEPUTY CLERK mburns
JD PEACOCK II CLERK OF COURTS,
OKALOOSA COUNTY, FLORIDA
WARRANTY DEED
THIS WARRANTY DEED made the 7th day of February, 2023, by Karon C., Hohnson
as Personal Representative for the Estate of Lillian L. Denmon, conveying non -homestead
property whose post office address is: 1038 Lighthouse Church Rd. Baker, FL 32531,
hereinafter called Grantor, to The City of Crestview, whose post office address is: 198 North
Wilson Street, Crestview, FL 32536, hereinafter called the Grantee (wherever used herein the
terms "grantor" and "grantee" include all the parties to this instrument and the heirs, legal
representatives and assigns of individuals, and the successors and assigns of corporations).
WITNESSETH: That the grantor, for and in consideration of the sum of $10.00 and other
valuable considerations, receipt whereof is hereby acknowledged, hereby grants, bargains, sells,
aliens, remises, releases, conveys and confirms unto the grantee, all that certain land situate in
Okaloosa County, Florida, viz:
Parcel 1:
Commencing at the Southeast corner of Lot 14, Block 133, Town of Crestview, according to the
plat thereof on file in Plat Book 1, Page 72, of Official Records of Okaloosa County, Florida; run
West along Field Avenue 65 feet; thence North parallel to East line of said Lot 14, 34.7 feet;
thence East parallel to Field Avenue 65 feet; thence South along said line 34.7 feet to Point of
Beginning. Being a portion of Lot 14, Block 133, City of Crestview.
Parcel 2:
Commencing at the Southeast corner of Lot 14, Block 133, Town of Crestview, according to the
plat thereof on file in Plat Book 1, Page 72, of Official Records of Okaloosa County, Florida; run
North along lot line 34.7 feet to Point of Beginning; thence run West parallel to Field Avenue, 65
feet; thence North parallel to East line of Lot 14, 54.8 feet; thence East parallel to Field Avenue,
65 feet; thence South along said lot line 54.8 feet to Point of Beginning.
Parcel 3:
Commencing at the Southeast corner of Lot 14, Block 133, Town of Crestview, according to the
plat thereof as recorded in Plat Book 1, Page 72, in the Office of the Clerk of Circuit Court,
Okaloosa County, Florida; thence run North along lot line 89.5 feet to the Point of Beginning;
thence run West parallel to Field Avenue 65 feet; thence North parallel to said lot line 56.2 feet;
thence East parallel to Field Avenue 65 feet to said lot line; thence South along said lot line 56.2
feet to the Point of Beginning. All lying and being in Lot 14, Block 133, Town of Crestview.
PAGE 1 OF 2
TOGETHER with all the tenements, hereditaments and appurtenances thereto belonging
or in anywise appertaining.
TO HAVE AND TO HOLD, the same in fee simple forever.
AND the grantor hereby covenants with said grantee that the grantor is lawfully seized of
said land in fee simple, that the grantor has good right and lawful authority to sell and convey
said land; that the grantor hereby fully warrants the title to said land and will defend the same
against the lawful claims of all persons whomsoever; and that said land is free of all
encumbrances, except taxes accruing subsequent to December 31, 2022.
IN WITNESS WHEREOF, the said grantor has signed and sealed these presents the day
and year first above written.
Signed sealed and delivered in the presence of:
) A J.__
w ESSS ryvat - V/1
d/y_ YI
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IT ESSUa / t %91%a/I
STATE OF FLORIDA
COUNTY OF OKALOOSA
Karon C. Johnson as=Personal Representative
for the Estate of Lillian L. Denmon
The foregoing instrument was acknowledged before me by means of physical presence or [
online notarization this 7th day of February, 2023, before me personally appeared Karon C.
Johnson as Personal Repre e t tive for the Estate of Lillian L. Denmon who is personally
known to me or produces identification, who is the person described in and who
executed the foregoing instrument, and who, after being duly sworn, says that execution hereof is
his/her free act and deed for the uses and purposes herein mentioned an an oath was not taken.
SWORN TO AND SUBSCRIBED before me the undersigned Notary an
by hand and official
seal the day and year last aforesaid.
Notary Public: I' 1/
Commission No. My Commission Expires:
,o�Yeya`,;: KAREN HOBIN
"' r!� % : MY COMMISSION # GG 355481
"' _�,�c
De, ''. EXPIRES: August 5, 2023
r ; Bonded Thru Notar.. Public Underwriters
PAGE 2 OF 2
ALTA 6-17-06 OWNER'S POLICY (With Florida Modifications)
Schedule A
Name and Address of Title Insurance Company: Westcor Land Title Insurance Company, 301 E. Nine Mile Road, Ste
1, Pensacola, FL 32534
State: Florida County: Okaloosa
Agent File No. #: Policy Number
22-611 OP-25-FL1028-
14799259
Effective Date Amount of Insurance Premium
February 13, 2023 at 1:31 P.M. 20,000.00
Simultaneous #: 7 Reinsurance #•
Address Reference: 225 Bowers Ave W, Crestview, FL, 32536
1. Name of Insured:
The City of Crestview
2. The estate or interest in the Land that is insured by this policy is:
Fee Simple
3. Title is vested in The City of Crestview
4. The land referred to herein is described as follows:
See Schedule A — Continuation Page for Legal Description
Countersigned
Issued By:
Moulton Land Title, Inc.
660- A N. Ferdon Blvd
Crestview, FL 32536
115.00
Note: This Policy consists of insert pages labeled Schedule A and B. This policy is of no force and effect unless all pages are included
along with any added pages incorporated by reference.
ALTA 6-17-06 OWNER'S POLICY (With Florida Modifications)
Schedule A, Continuation Page
Parcel 1:
Commencing at the Southeast corner of Lot 14, Block 133, Town of Crestview, according to the plat
thereof on file in Plat Book 1, Page 72, of Official Records of Okaloosa County, Florida; run West along
Field Avenue 65 feet; thence North parallel to East line of said Lot 14, 34.7 feet; thence East parallel to
Field Avenue 65 feet; thence South along said line 34.7 feet to Point of Beginning. Being a portion of
Lot 14, Block 133, City of Crestview.
Parcel 2:
Commencing at the Southeast corner of Lot 14, Block 133, Town of Crestview, according to the plat
thereof on file in Plat Book 1, Page 72, of Official Records of Okaloosa County, Florida; run North along
lot line 34.7 feet to Point of Beginning; thence run West parallel to Field Avenue, 65 feet; thence North
parallel to East line of Lot 14, 54.8 feet; thence East parallel to Field Avenue, 65 feet; thence South
along said lot line 54.8 feet to Point of Beginning.
Parcel 3:
Commencing at the Southeast corner of Lot 14, Block 133, Town of Crestview, according to the plat
thereof as recorded in Plat Book 1, Page 72, in the Office of the Clerk of Circuit Court, Okaloosa
County, Florida; thence run North along lot line 89.5 feet to the Point of Beginning; thence run West
parallel to Field Avenue 65 feet; thence North parallel to said lot line 56.2 feet; thence East parallel to
Field Avenue 65 feet to said lot line; thence South along said lot line 56.2 feet to the Point of Beginning.
All lying and being in Lot 14, Block 133, Town of Crestview.
Note: This Policy consists of insert pages labeled Schedule A and B. This policy is of no force and effect unless all pages are included
along with any added pages incorporated by reference.
Page 2 of 4
Policy #: OP-25-FL1028-14799259 File #: 22-611
ALTA 6-17-06 OWNER'S POLICY (With Florida Modifications)
Schedule B
This policy does not insure against Toss or damage, and the Company will not pay costs, attorneys' fees, or
expenses that arise by reason of:
(a) Defects, liens, encumbrances, adverse claims or other matters, if any, created, first appearing in the public
records or attaching subsequent to the effective date hereof but prior to the date the proposed insured
acquires for value of record the estate or interest or mortgage thereon covered by this Commitment.
(b) Rights or claims of parties in possession not shown by the Public Records.
(c) Any encroachment, encumbrance, violation, variation, or adverse circumstance affecting the Title that
would be disclosed by an accurate and complete survey of the Land. The term "encroachment" includes
encroachments of existing improvements located on the Land onto adjoining land, and encroachments on
the Land of existing improvements located on the adjoined land.
(d) Easements or claims of easements not shown by Public Records.
(e) Taxes or special assessments which are not shown as existing liens by the public records.
(f) Taxes and assessments for the year 2023 and subsequent years, which are not yet due and payable.
(g) Restrictions, dedications, reservations, setbacks and easements, if any, as indicated and/or shown on that
certain Plat recorded in Plat Book 1, at Page(s) 72, of the Public Records of Okaloosa County, Florida.
(h) Existing unrecorded leases and all right thereunder of the lessees and of any person claiming by, through
or under lessees.
Note: This Policy consists of insert pages labeled Schedule A and B. This policy is of no force and effect unless all pages are included
along with any added pages incorporated by reference.
Page 3 of 4 Policy #: OP-25-FL1028-14799259
File #: 22-611
ALTA 6-17-06 OWNER'S POLICY (With Florida Modifications)
Notice of Privacy Policy
of
Westcor Land Title Insurance Company
Westcor Land Title Insurance Company ("WLTIC") values its customers and is committed to protecting the privacy of
personal information. In keeping with that philosophy, we have developed a Privacy Policy, set out below, that will ensure
the continued protection of your nonpublic personal information and inform you about the measures WLTIC takes to
safeguard that information.
Who is Covered
We provide our Privacy Policy to each customer when they purchase an WLTIC title insurance policy. Generally, this
means that the Privacy Policy is provided to the customer at the closing of the real estate transaction.
Information Collected
In the normal course of business and to provide the necessary services to our customers, we may obtain nonpublic
personal information directly from the customer, from customer -related transactions, or from third parties such as our title
insurance agents, lenders, appraisers, surveyors or other similar entities.
Access to Information
Access to all nonpublic personal information is limited to those employees who have a need to know in order to perform
their jobs. These employees include, but are not limited to, those in departments such as legal, underwriting, claims
administration and accounting.
Information Sharing
Generally, WLTIC does not share nonpublic personal information that it collects with anyone other than its policy issuing
agents as needed to complete the real estate settlement services and issue its title insurance policy as requested by the
consumer. WLTIC may share nonpublic personal information as permitted by law with entities with whom WLTIC has a
joint marketing agreement. Entities with whom WLTIC has a joint marketing agreement have agreed to protect the
privacy of our customer's nonpublic personal information by utilizing similar precautions and security measures as
WLTIC uses to protect this information and to use the information for lawful purposes. WLTIC, however, may share
information as required by law in response to a subpoena, to a government regulatory agency or to prevent fraud.
Information Security
WLTIC, at all times, strives to maintain the confidentiality and integrity of the personal information in its possession and
has instituted measures to guard against its unauthorized access. We maintain physical, electronic and procedural
safeguards in compliance with federal standards to protect that information.
The WLTIC Privacy Policy can also be found on WLTIC's website at www.wltic.com
Note: This Policy consists of insert pages labeled Schedule A and S. This policy is of no force and effect unless all pages are included
along with any added pages incorporated by reference.
Page 4 of 4 Policy #: OP-25-FL1028-14799259
File #: 22-611
POLICY NO.
OP-25-FL1028-14799259
OWNER'S POLICY OF TITLE INSURANCE
(with Florida Modifications)
ISSUED BY
WESTCOR LAND TITLE INSURANCE COMPANY
Any notice of claim and any other notice or statement in writing required to be given to the Company under this Policy
must be given to the Company at the address shown in Section 18 of the Conditions.
COVERED RISKS
SUBJECT TO THE EXCLUSIONS FROM COVERAGE, THE EXCEPTIONS FROM COVERAGE CONTAINED IN
SCHEDULE B, AND THE CONDITIONS, Westcor Land Title Insurance Company. a South Carolina corporation (the
"Company") insures, as of Date of Policy, against loss or damage, not exceeding the Amount of Insurance, sustained or
incurred by the Insured by reason of:
1. Title being vested other than as stated in Schedule A.
2. Any defect in or lien or encumbrance on the Title. This Covered Risk includes but is not limited to insurance against
loss from
(a) A defect in the Title caused by
(i) forgery, fraud, undue influence, duress, incompetency, incapacity, or impersonation;
(ii) failure of any person or Entity to have authorized a transfer or conveyance;
(iii) a document affecting Title not properly created, executed, witnessed, sealed, acknowledged, notarized, or
delivered;
(iv) failure to perform those acts necessary to create a document by electronic means authorized by law;
(v) a document executed under a falsified, expired, or otherwise invalid power of attorney;
(vi) a document not properly filed, recorded, or indexed in the Public Records including failure to perform those
acts by electronic means authorized by law; or
(vii) a defective judicial or administrative proceeding.
(h) The lien of real estate taxes or assessments imposed on the Title by a governmental authority due or payable, but
unpaid.
(c) Any encroachment, encumbrance, violation, variation, or adverse circumstance affecting the Title that would be
disclosed by an accurate and complete land survey of the Land. The term "encroachment" includes encroachments
of existing improvements located on the Land onto adjoining land, and encroachments onto the Land of existing
improvements located on adjoining land.
3. Unmarketable Title.
COVERED RISKS CONTINUED ON NEXT PAGE
In Witness Whereof, WESTCOR LAND TITLE INSURANCE COMPANY, has caused this policy to be signed and
sealed as of Date of Policy shown in Schedule A, the policy to become valid when countersigned by an authorized signa-
tory of the Company.
WESTCOR LAND TITLE INSURANCE COMPANY
Issued By: FL1028 * 22-611
Moulton Land Title, Inc.
660- A N. Ferdon Blvd
Crestview, FL 32536
By:
Attest:
.elide
Secretary
OP-25 ALFA Owners Policy of Title Insurance 6-17-06 (with FLORIDA Modifications) (w"LTIC Edition 1271 tl7)
Page 1
4. No right of access to and from the Land.
5. The violation or enforcement of any law, ordinance, permit, or governmental regulation (including those relating to building and zon-
ing) restricting, regulating, prohibiting, or relating to
(a) the occupancy, use, or enjoyment of the Land;
(b) the character, dimensions, or location of any improvement erected on the Land;
(c) the subdivision of land; or
(d) environmental protection
if a notice, describing any part of the Land, is recorded in the Public Records setting forth the violation or intention to enforce, but.
only to the extent of the violation or enforcement referred to in that notice.
6. An enforcement action based on the exercise of a governmental police power not covered by Covered Risk 5 if a notice of the enforce-
ment action, describing any part of the Land, is recorded in the Public Records, but only to the extent of the enforcement referred to
in that notice.
7. The exercise of the rights of eminent domain if a notice of the exercise, describing any part of the Land, is recorded in the Public Records.
8. Any taking by a governmental body that has occurred and is binding on the rights of a purchaser for value without Knowledge.
9. Title being vested other than as stated in Schedule A or being defective
(a) as a result of the avoidance in whole or in part, or from a court order providing an alternative remedy, of a transfer of all or any
part of the title to or any interest in the Land occurring prior to the transaction vesting Title as shown in Schedule A because that
prior transfer constituted a fraudulent or preferential transfer under federal bankruptcy, state insolvency, or similar creditors' rights
laws; or
(b) because the instrument of transfer vesting Title as shown in Schedule A constitutes a preferential transfer under federal bankruptcy,
state insolvency, or similar creditors' rights laws by reason of the failure of its recording in the Public Records
(i) to be timely, or
(ii) to impart notice of its existence to a purchaser for value or to a judgment or lien creditor.
10. Any defect in or lien or encumbrance on the Title or other matter included in Covered Risks 1 through 9 that has been created or at-
tached or has been filed or recorded in the Public Records subsequent to Date of Policy and prior to the recording of the deed or other
instrument of transfer in the Public Records that vests Title as shown in Schedule A.
The Company will also pay the costs, attorneys' fees, and expenses incurred in defense of any matter insured against by this Policy, but
only to the extent provided in the Conditions.
EXCLUSIONS FROM COVERAGE
The following matters are expressly excluded from the coverage
of this policy, and the Company will not pay loss or damage, costs,
attorneys' fees, or expenses that arise by reason of:
1. (a) Any law, ordinance, permit, or governmental regulation
(including those relating to building and zoning) restricting, regulat-
ing, prohibiting, or relating to
(i) the occupancy, use, or enjoyment of the Land;
(ii) the character, dimensions, or location of any improve-
ment erected on the Land;
(iii) the subdivision of land; or
(iv) environmental protection;
or the effect of any violation of these laws, ordinances,
or governmental regulations. This Exclusion 1(a) does
not modify or limit the coverage provided under Covered
Risk 5.
(b) Any governmental police power. This Exclusion 1(b) does not
modify or limit the coverage provided under Covered Risk 6.
2. Rights of eminent domain. This Exclusion does not modify or
limit the coverage provided under Covered Risk 7 or 8.
3. Defects, liens, encumbrances, adverse claims, or other matters
(a) created, suffered, assumed, or agreed to by the Insured
Claimant;
(b) not Known to the Company, not recorded in the Public Re-
cords at Date of Policy, but Known to the Insured Claimant
and not disclosed in writing to the Company by the Insured
Claimant prior to the date the Insured Claimant became an
Insured under this policy;
(c) resulting in no loss or damage to the Insured Claimant;
(d) attaching or created subsequent to Date of Policy; or
(e) resulting in loss or damage that would not have been sus-
tained if the Insured Claimant had paid value for the Title.
4. Any claim, by reason of the operation of federal bankruptcy, state
insolvency, or similar creditors' rights laws, that the transaction
vesting the Title as shown in Schedule A, is
(a) a fraudulent conveyance or fraudulent transfer; or
(b) a preferential transfer for any reason not stated in Covered
Risk 9 of this policy.
5. Any lien on the Title for real estate taxes or assessments imposed
by governmental authority and created or attaching between
Date of Policy and the date of recording of the deed or other
instrument of transfer in the Public Records that vests Title as
shown in Schedule A.
OP-25 Ai TA Owners Policy of Title Insurance 6-17-06 (with FLORIDA Modifications) (ATTIC Edition 12/1 /17) Page 2
CONDITIONS
1. DEFINITION OF TERMS
The following terms when used in this policy mean:
(a) "Amount of Insurance": The amount stated in Schedule A, as
may be increased or decreased by endorsement to this policy,
increased by Section 8(b), or decreased by Sections 10 and 11
of these Conditions.
(b) "Date of Policy": The date designated as "Date of Policy" in
Schedule A.
(c) "Entity": A corporation, partnership, trust, limited liability
company, or other similar legal entity.
(d) "Insured": The Insured named in Schedule A.
(i) The term "Insured" also includes
(A) successors to the Title of the Insured by operation of
law as distinguished from purchase, including heirs,
devisees, survivors, personal representatives, or next
of kin;
(B) successors to an Insured by dissolution, merger, con-
solidation, distribution, or reorganization;
(C) successors to an Insured by its conversion to another
kind of Entity;
(D) a grantee of an Insured under a deed delivered without
payment of actual valuable consideration conveying the
Title
(1) if the stock, shares, memberships, or other equity
interests of the grantee are wholly -owned by the
named Insured,
(2) if the grantee wholly owns the named Insured,
(3) if the grantee is wholly -owned by an affiliated En-
tity of the named Insured, provided the affiliated
Entity and the named Insured are both wholly -
owned by the same person or Entity, or
(4) if the grantee is a trustee or beneficiary of a trust
created by a written instrument established by the
Insured named in Schedule A for estate planning
purposes.
(ii) With regard to (A), (B), (C), and (D) reserving, however, all
rights and defenses as to any successor that the Company
would have had against any predecessor Insured.
(e) "Insured Claimant": An Insured claiming loss or damage.
(f) "Knowledge" or "Known": Actual knowledge, not construc-
tive knowledge or notice that may be imputed to an Insured by
reason of the Public Records or any other records that impart
constructive notice of matters affecting the Title.
(g) "Land": The land described in Schedule A, and affixed improve-
ments that by law constitute real property. The term "Land"
does not include any property beyond the lines of the area
described in Schedule A, nor any right, title, interest, estate, or
easement in abutting streets, roads, avenues, alleys, lanes, ways,
or waterways, but this does not modify or limit the extent that
a right of access to and from the Land is insured by this policy.
(h) "Mortgage": Mortgage, deed of trust, trust deed, or other secu-
rity instrument, including one evidenced by electronic means
authorized bylaw.
(i) "Public Records": Records established under state statutes at
Date of Policy for the purpose of imparting constructive notice
of matters relating to real property to purchasers for value and
without Knowledge. With respect to Covered Risk 5(d), "Public
Records" shall also include environmental protection liens filed
in the records of the clerk of the United States District Court
for the district where the Land is located.
(j) "Title": The estate or interest described in Schedule A.
(k) "Unmarketable Title": Title affected by an alleged or apparent
matter that would permit a prospective purchaser or lessee of
the Title or lender on the Title to be released from the obligation
to purchase, lease, or lend if there is a contractual condition
requiring delivery of marketable title.
2. CONTINUATION OF INSURANCE
The coverage of this policy shall continue in force as of Date of
Policy in favor of an Insured, but only so long as the .Insured retains
an estate or interest in the Land, or holds an obligation secured by a
purchase money Mortgage given by a purchaser from the Insured,
or only so long as the Insured shall have liability by reason of war-
ranties in any transfer or conveyance of the Title. This policy shall
not continue in force in favor of any purchaser from the Insured
of either (i) an estate or interest in the Land, or (ii) an obligation
secured by a purchase money' Mortgage given to the Insured.
3. NOTICE OF CLAIM TO BE GIVEN BY INSURED
CLAIMANT
The 'Insured shall notify the Company promptly in writing (i) in
case of any litigation as set forth in Section 5(a) of these Condi-
tions, (ii) in case Knowledge shall come to an Insured hereunder of
any claim of title or interest that is adverse to the Title, as insured,
and that might cause loss or damage for which the Company may
be liable by virtue of this policy, or (iii) if the Title, as insured, is
rejected as Unmarketable Title. If the Company is prejudiced by
the failure of the Insured Claimant to provide prompt notice, the
Company's liability to the Insured Claimant under the policy shall
be reduced to the extent of the prejudice.
4. PROOF OF LOSS
In the event the Company is unable to determine the amount of loss
or damage, the Company may, at its option, require as a condition
of payment that the Insured Claimant furnish a signed proof of loss.
The proof of loss must describe the defect, lien, encumbrance, or
other matter insured against by this policy that constitutes the basis
of loss or damage and shall state, to the extent possible, the basis
of calculating the amount of the loss or damage.
5. DEFENSE AND PROSECUTION OF ACTIONS
(a) Upon written request by the Insured, and subject to the options
contained in Section 7 of these Conditions, the Company, at
its own cost and without unreasonable delay, shall provide for
the defense of an Insured in litigation in which any third party
asserts a claim covered by this policy adverse to the Insured.
This obligation is limited to only those stated causes of action
alleging matters insured against by this policy. The Company
shall have the right to select counsel of its choice (subject to the
right of the Insured to object for reasonable cause) to represent
the Insured as to those stated causes of action. It shall not be
liable for and will not pay the fees of any other counsel. The
Company will not pay any fees, costs, or expenses incurred by
the Insured in the defense of those causes of action that allege
matters not insured against by this policy.
(b) The Company shall have the right, in addition to the options
contained in Section 7 of these Conditions, at its own cost, to
institute and prosecute any action or proceeding or to do any
OP-25 ALTA Owners Policy of Title Insurance 6-17-06 (with FLORIDA Modifications) (WLTLC Edition 12/1/17) Pagc 3
CONDITIONS
other act that in its opinion may be necessary or desirable to
establish the Title, as insured, or to prevent or reduce loss or
damage to the Insured. The Company may take any appropri-
ate action under the terms of this policy, whether or not it shall
be liable to the Insured. The exercise of these rights shall not
be an admission of liability or waiver of any provision of this
policy. I f the Company exercises its rights under this subsection,
it must do so diligently.
(c) Whenever the Company brings an action or asserts a defense
as required or pennitted by this policy, the Company may
pursue the litigation to a final determination by a court of
competent jurisdiction, and it expressly reserves the right,
in its sole discretion, to appeal any adverse judgment or
order.
6. DUTY OF INSURED CLAIMANT TO COOPERATE
(a) In all cases where this policy permits or requires the Company
to prosecute or provide for the defense of any action or proceed-
ing and any appeals, the Insured shall secure to the Company
the right to so prosecute or provide defense in the action or
proceeding, including the right to use, at its option, the name
of the Insured for this purpose. Whenever requested by the
Company, the Insured, at the Company's expense, shall give the
Company all reasonable aid (i) in securing evidence, obtaining
witnesses, prosecuting or defending the action or proceeding,
or effecting settlement, and (ii) in any other lawful act that in
the opinion of the Company may be necessary or desirable to
establish the Title or any other matter as insured. If the Company
is prejudiced by the failure of the Insured to furnish the required
cooperation, the Company's obligations to the Insured under
the policy shall terminate, including any liability or obligation
to defend, prosecute, or continue any litigation, with regard to
the matter or matters requiring such cooperation.
(b) The Company may reasonably require the Insured Claimant to
submit to examination under oath by any authorized representa-
tive of the Company and to produce for examination, inspection,
and copying, at such reasonable times and places as may be
designated by the authorized representative of the Company,
all records, in whatever medium maintained, including books,
ledgers, checks, memoranda, correspondence, reports, e-mails,
disks, tapes, and videos whether bearing a date before or after
Date of Policy, that reasonably pertain to the loss or damage.
Further, if requested by any authorized representative of the
Company, the Insured Claimant shall grant its permission, in
writing, for any authorized representative of the Company to
examine, inspect, and copy all of these records in the custody or
control of a third party that reasonably pertain to the loss or dam-
age. All information designated as confidential by the Insured
Claimant provided to the Company pursuant to this Section shall
not be disclosed to others unless, in the reasonable judgment of
the Company, it is necessary in the administration of the claim.
Failure of the Insured Claimant to submit for examination under
oath, produce any reasonably requested information, or grant
permission to secure reasonably necessary information from
third parties as required in this subsection, unless prohibited
by law or governmental regulation, shall terminate any liability
of the Company under this policy as to that claim.
7. OPTIONS TO PAY OR OTHERWISE SETTLE
CLAIMS; TERMINATION OF LIABILITY
In case of a claim under this policy, the Company shall have the
following additional options:
(a) To Pay or Tender Payment of the Amount of Insurance. To pay
- CONTINUED
or tender payment of the Amount of Insurance under this policy
together with any costs, attorneys' fees, and expenses incurred
by the Insured Claimant that were authorized by the Company
up to the time of payment or tender of payment and that the
Company is obligated to pay.
Upon the exercise by the Company of this option, all liability
and obligations of the Company to the Insured under this policy,
other than to make the payment required in this subsection,
shall terminate, including any liability or obligation to defend,
prosecute, or continue any litigation.
(b) To Pay or Otherwise Settle With Parties Other Than the Insured
or With the Insured Claimant.
(i) to pay or otherwise settle with other parties for or in the name
of an Insured Claimant any claim insured against under
this policy. In addition, the Company will pay any costs,
attorneys' fees, and expenses incurred by the Insured Claim-
ant that were authorized by the Company up to the time
of payment and that the Company is obligated to pay; or
(ii) to pay or otherwise settle with the Insured Claimant the loss
or damage provided for under this policy, together with any
costs, attorneys' fees, and expenses incurred by the Insured
Claimant that were authorized by the Company up to the
time of payment and that the Company is obligated to pay.
Upon the exercise by the Company of either of the options provided
for in subsections (b)(i) or (ii), the Company's obligations to the
Insured under this policy for the claimed loss or damage, other than
the payments required to be made, shall terminate, including any li-
ability or obligation to defend, prosecute, or continue any litigation.
8. DETERMINATION AND EXTENT OF LIABILITY
This policy is a contract of indemnity against actual monetary loss
or damage sustained or incurred by the Insured Claimant who has
suffered loss or damage by reason of matters insured against by
this policy.
(a) The extent of liability of the Company for Toss or damage under
this policy shall not exceed the lesser of
(i) the Amount of Insurance; or
(ii) the difference between the value of the Title as insured and
the value of the Title subject to the risk insured against by
this policy.
(b) lfthe Company pursues its rights under Section 5 of these Con-
ditions and is unsuccessful in establishing the Title, as insured,
(i) the Amount of Insurance shall be increased by 10%, and
(ii) the Insured Claimant shall have the right to have the loss
or damage determined either as of the date the claim was
made by the Insured Claimant or as of the date it is settled
and paid.
(c) In addition to the extent of liability under (a) and (b), the Com-
pany will also pay those costs, attorneys' fees, and expenses in-
curred in accordance with Sections 5 and 7 of these Conditions.
9. LIMITATION OF LIABILITY
(a) If the Company establishes the Title, or removes the alleged
defect, lien, or encumbrance, or cures the lack of a right of ac-
cess to or from the Land, or cures the claim of Unmarketable
Title, all as insured, in a reasonably diligent manner by any
method, including litigation and the completion of any appeals,
it shall have fully performed its obligations with respect to that
matter and shall not be liable for any loss or damage caused to
the Insured.
OP-25 ALTA Owners Policy of Title Insurance 6-17-06 (with FLORIDA Modifications) (ATTIC Edition 1211 /17) Page 4
(b) In the event of any litigation, including litigation by the Com-
pany or with the Company's consent, the Company shall have
no liability for loss or damage until there has been a final deter-
mination by a court of competent jurisdiction, and disposition
of all appeals, adverse to the Title, as insured.
(c) The Company shall not be liable for loss or damage to the
Insured for liability voluntarily assumed by the Insured in set-
tling any claim or suit without the prior written consent of the
Company.
10. REDUCTION OF INSURANCE; REDUCTION OR
TERMINATION OF LIABILITY
All payments under this policy, except payments made for costs,
attorneys' fees, and expenses, shall reduce the Amount of Insurance
by the amount of the payment.
11. LIABILITY NONCUMULATIVE
The Amount of Insurance shall be reduced by any amount the Com-
pany pays under any policy insuring a Mortgage to which exception
is taken in Schedule B or to which the Insured has agreed, assumed,
or taken subject, or which is executed by an Insured after Date of
Policy and which is a charge or lien on the Title, and the amount
so paid shall be deemed a payment to the Insured under this policy.
12. PAYMENT OF LOSS
When liability and the extent of loss or damage have been definitely
fixed in accordance with these Conditions, the payment shall be
made within 30 days.
13. RIGHTS OF RECOVERY UPON PAYMENT OR
SETTLEMENT
(a) Whenever the Company shall have settled and paid a claim
under this policy, it shall be subrogated and entitled to the
rights of the Insured Claimant in the Title and all other rights
and remedies in respect to the claim that the Insured Claimant
has against any person or property, to the extent of the amount
of any loss, costs, attorneys' fees, and expenses paid by the
Company. If requested by the Company, the Insured Claimant
shall execute documents to evidence the transfer to the Com-
pany of these rights and remedies. The Insured Claimant shall
permit the Company to sue, compromise, or settle in the name
of the Insured Claimant and to use the name of the Insured
Claimant in any transaction or litigation involving these rights
and remedies.
If a payment on account of a claim does not fully cover the loss
of the Insured Claimant, the Company shall defer the exercise
of its right to recover until after the Insured Claimant shall
have recovered its loss.
(b) The Company's right of subrogation includes the rights of the
Insured to indemnities, guaranties, other policies of insurance,
or bonds, notwithstanding any terms or conditions contained
in those instruments that address subrogation rights.
14. ARBITRATION
Unless prohibited by applicable law, arbitration pursuant to the
Title Insurance Arbitration Rules of the Atnerican Arbitration As-
sociation may be demanded if agreed to by both the Company and
the Insured at the time of a controversy or claim. Arbitrable mat-
ters may include, but are not limited to, any controversy or claim
between the Company and the Insured arising out of or relating
to this policy, and service of the Company in connection with its
issuance or the breach of a policy provision or other obligation.
Arbitration pursuant to this policy and under the Rules in effect
on the date the demand for arbitration is made or, at the option of
the Insured, the Rules in effect at Date of Policy shall be binding
upon the parties. The award may include attorneys' fees only if
the laws of the state in which the Land is located permit a court
to award attorneys' fees to a prevailing party. Judgment upon the
award rendered by the Arbitrator(s) may be entered in any court
having jurisdiction thereof.
The law of the situs of the land shall apply to an arbitration under
the Title Insurance Arbitration Rules.
A copy of the Rules may be obtained from the Company upon
request.
15. LIABILITY LIMITED TO THIS POLICY; POLICY
ENTIRE CONTRACT
(a) This policy together with all endorsements, if any, attached to
it by the Company is the entire policy and contract between the
Insured and the Company. In interpreting any provision of this
policy, this policy shall be construed as a whole.
(b) Any claim of loss or damage that arises out of the status of the
Title or by any action asserting such claim whether or not based
on negligence shall be restricted to this policy.
(c) Any amendment of or endorsement to this policy must be in
writing and authenticated by an authorized person, or expressly
incorporated by Schedule A of this policy.
(d) Each endorsement to this policy issued at any time is made a
part of this policy and is subject to all of its terms and provi-
sions. Except as the endorsement expressly states, it does not
(i) modify any of the terms and provisions of the policy, (ii)
modify any prior endorsement, (iii) extend the Date of Policy,
or (iv) increase the Amount of Insurance.
16. SEVERABILITY
In the event any provision of this policy, in whole or in part, is held
invalid or unenforceable under applicable law, the policy shall be
deemed not to include that provision or such part held to be invalid,
but all other provisions shall remain in full force and effect.
17. CHOICE OF LAW; FORUM
(a) Choice of Law: The Insured acknowledges the Company has
underwritten the risks covered by this policy and determined
the premium charged therefor in reliance upon the law affecting
interests in real property and applicable to the interpretation,
rights, remedies, or enforcement of policies of title insurance
of the jurisdiction where the Land is located.
Therefore, the court or an arbitrator shall apply the law of the
jurisdiction where the Land is located to determine the validity
of claims against the Title that are adverse to the Insured and
to interpret and enforce the terms of this policy. In neither case
shall the court or arbitrator apply its conflicts of law principles
to determine the applicable law.
(b) Choice of Forum: Any litigation or other proceeding brought
by the Insured against the Company must be filed only in a
state or federal court within the United States of America or its
territories having appropriate jurisdiction.
18. NOTICES, WHERE SENT
Any notice of claim and any other notice or statement in writing
required to be given to the Company under this policy must be
given to the Company at: 875 Concourse Parkway South, Suite
200, Maitland, FL 32751,
OP-25 Ai TA Owners Policy of Title Insurance 6-17-06 (with FLORIDA Modifications) (WLTIC Edition 12/1117) Page 5
OWNER'S POLICY OF
TITLE INSURANCE
(With Florida
Modifications)
WESTCOR
LAND TITLE
INSURANCE COMPANY
OWNER'S POLICY
OF
TITLE INSURANCE
HOME OFFICE
875 Concourse Parkway South, Suite 200
Maitland, FL 32751
Telephone: (407) 629-5842
Mouton Land Titre, Inc.
660A North Ferdon Blvd.
Crestview, FL 32536
None: (850) 689-3180 Fax (850) 689-3440
feat Estate CCosings c Tide Insurance
Date: February 22, 2023
To: The City of Crestview
198 N. Wilson St.
Crestview, FL. 32536
RE: Our File #: 22-61i
Pertinent to the above referenced transaction, enclosed please find the following:
XXX Owner's Policy of Title Insurance
XXX Warranty Deed/Quit Claim Deed
Death Certificate/Affidavit
Mortgage Title Policy
Mortgage
Florida 9 Endorsement/ALTA 8.1 Endorsement/Other Applicable
Endorsement
Assignment of Mortgage
Notice of Commencement
We appreciate your closing this transaction with Moulton Land Title, Inc. and hope we
can be of assistance to you in the future.
Sincerely,
Jackie/ McKiAnci I'
Post Closer
IIIIII
1111111
SRN oE-J
B. Type of Loan
11. 0 FHA 2. Q RHS 3. El Cony. Unins.
4.EiVA
C. Note:
5. ❑ Conv. Ins.
A. Settlement Statement (HUD-1)
6. File Number.
22-611
7. Loan Number.
OMB Approval No. 2502-0265
8. Mortgage Insurance Case Number.
This ban is famished to give you a statementofactualsettiementcosts. Amounts paid to and by the settiementagentare shown.
Items marked Tp.o.c.)"were paid outside the closing; they are shown here tbrinhtmational purposes and ate notincluded in the totals.
D. Name and Address of Buyer.
The City of Crestview
198 North Wilson Street
.Crestview, FL 32536
G. Property Location:
225 BowersAve W
Crestview, FL 32536
Oka loose County, Florida
J. Summary of Buyer's transaction
100. GrossAmountDue from Buyer.
101. Contract sa les price
102. Personal property
103. SettiementCharnesto Buyer Line 14001
104.
105.
Adjustments for items paid by Seller in advance
106. City/Town Taxes
107. 2022 Property Tax
108. Assessments
109.
110.
1111.
1112.
120. Gross Amount Due from Buyer
200. Amounts Paid by or in Behalf of Buver
201. Deposit oreamestmoney
202. Principal amount of newloan(s)
203. Existin❑ loanls) taken subject to
204.
205.
206.
1207.
208.
209.
Adjustments for items unpaid by Seller
210. City/Town Taxes
211. 2022 Property Tax
212. Assessments
213.
214.
215.
216.
217.
218.
219.
to
to
to
to
01r0123 to 02i07/23
to
220. Total Paid byifor Buyer
300. Cash at Settlementfrom/to Buyer
301. Gross amountdue from Buyer{line 120)
302. Less amount paid by/for Buyer i line 220)
303. Cash n From I 1 To Buyer
" Paid outside of dosing by boeower(B), seier(S), lender(L), or thircfparty(T)
By sgnig page 2 of this statement, the signatories ackrionledge reoept of a
E. Name and Address of Seller. F. Name and Address of Lender.
Estate of Lillian L. Denmon
1038 Lighthouse Church Rd.
Baker, FL 32531
H. SettlementAgent
Moulton Land Title, Inc.
660-ANorth Fenton Blvd.
Crestview, Florida 32536
Place of Settlement
660-ANorth Fenton Blvd.
Crestview, Florida 32536
Ph. (850)689-3180
K. Summary of Seller's transaction
400. GrossAmountDue to Seller.
20,000.00 401. Contract sales price
402. Personal prone• v
863.50 403.
404.
405.
Adjustments for items paid by Seller in advance
406. City/Town Taxes to
407. 2022 Pronely Tax to
408. Assessments to
409.
410.
411.
412.
20,863.50 420. Gross Amount Due to Seller
500. Reductions in Amount Due Seller:
501. Excess deposit{seeinstructionsi
502. Settlement charoes to Seller (Line 1400)
503. Existing loan(sitaken subject to
504. Payoff First Mortg age
505. Payoff SecondMoigaae
506.
507.
508.
509.
Adjustments for items unpaid by Seller
510. City/Town Taxes
27.50 511. 2022 Properly Tax
512. Assessments
513.
514.
515.
516.
517.
518.
519.
I. Settlement Date:
February 7,2023
to
01f0123 to 02r0723
to
27.50 520. Total Reduction Amount Due Seller
600. Cash atsettlementto/from Seller
20,863.50 601. Gross amountdue to Seller i line 420)
( 27.50:.' 602. Less reductions due Seller (line 520)
20,836.00 603. Cash I ^ 1 To From Seller
completed copy of page 1 of this two page statement
20,000.00
20,000.00
27.50
27.50
20.000.00
( 27.50
19,972.50
The
Pubic Reporting Burden for this oelection of information 4 estinated at 35 n itutes per response forcoieditg, reviewitg, and reporting the data. This agenoi may not °elect thus irfoanation, and you are not requied to corrplete thus faro
displayst
a amenty vald OMB antral number. No mrf tentialty is assured; this dedoaxe s mandatory This is designed to provide the parties to a RESPA covered transaction w ht irformafon during the settlement pones
Page 1 of 3 HUD-1
(22-611.PFD22.6118)
L. Settlement Charges
I700, Tolal Real Estate Broker Fees
Division ofcommission One 700) as bllows:
[701.$ to
1702. $ to
703. Commission aaid at settlement
1704.
705.
, 800, Rams Payable In Connection with Loan
1801. Our origination charge
802. Your credit or chame (points) for the specific interest rate chosen
803. Your adiusted oda 'nation chanties to
804.Aooraisal fee
805. Credit Report
806. Tax service
807. Flood certification
808.
809.
8110.
900. Items Required by Lender to Be Paid in Advance
1901. Daily interestcharles from
902. MIP Tot Ins. for Life of Loan
903. Homeowner's insurance for
904.
905.
1 000.Reserves Depos ited vl/ith Lender
1001. Initial deposit for your escrow ac count
1002. Homeowner's insurance
1003. Mory;ace insurance
1004. Property taxes
1005.
1006.
1007.
1008.
1009.
1100.Title Charges
1101.
1102.
1103.
1104.
1105.
1106.
1107.
1108.
1109.
1110.
1111.
1112.
1113.
to
to
to
to
to
months to
years to
months @ $
months 'a) $
months @ $
months @ $
$/day
per month
❑er month
per month
per month
Title services and lender's title insurance
Settlement orclosinr.I fee to Moulton Land Title. Inc.
Owner's title insurance to WestcorLand Title Insurance Company
Lenders title insurance to WestcorLand Title Insurance Company
Lender's title policy limit $
Owners title policy limit $ 20,000.00
Agents portion of the total title insurance premium to Moulton Land Title, Inc.
Underwriters portion of the total title insurance premium to WestcorLand Title Insurance
Search Fee to WestcorLand Title Insurance Company
Contract Prep Fee to Jason R Moulton
1 200 . Government Recording and Transfer Charges
1201. Govemment recording charges to Clerk of Circuit Court
1202.Deed $ 18.50 Mortaaae $ Releases $
1203.Transfertaxes to Clerk ofCircuitCourt
1204. City/County tax/stamps Deed $
1205. State tax/stamps Deed $ 140.00
1206. Record Florida Estate Taxes to Clerk of Circuit Court
1207, Reciord City Partial Releases to Clerk of CircuitCourt
1300.AddRionalSadiementCharges
1301. Required services that you can shop for
1302. 2022 PropertyTax(Nov) to Tax Collector
1303.
11304.
11305.
11400. Tota ISetttemient Charges (enter on lines 103,.Section J and 502, Section K)
Morluaae $
Morale $
(from GFE #11
(fmm (3FE #2)
(from GFF #A)
(from GFE #31
(from GFE #3)
(from GFF. #31
(from GFE #31
(from (;FE #31
(from GFE #31
(from GFE #3)
(fmm G #3)
(from GFE #10)
(from GFE #3)
(from GFE #11)
(from GFE #11)
(from GFE #11)
(from GFE #9)
$
$
$
(from GFE #4)
$ 295.00
(from GFE #5)
Company
$ 80.50
$ 34.50
from GFE #7]
Other $
(from GFE #8)
(from GFE #6)
$ P.O.C.$28 8.90(S)*
* Paid outside of dosig by bonaner(B), seler(S), lender(L), or third-party(T)
The undersigned hereby acknowledge receipt of a completed copy of this statement& any attachments referred to herein
Buyer The City of Crestview
Seller
Tim Bo lduc, City Manager BYK onC?Johnson, Pe na( ep sepia ve
TO THE BEST OF MY KNOWLEDGE, THE HUD-1 SETTLEMENT STATEMENT WHICH I HAVE PREPARED ISEAND ACCURATEACCOUNT OF THE FUNDS WHICH
WERE RECEIVEDAND HAVE BEENOR WIL L BE DISBURSED BYTHE UNDERSIGNEDAS PART OF THE S M' NT OF THS TRANSACTION.
Paid From Paid From
Buyer's Sellers
Funds at Funds at
Settlement Settlement
0.00
295.00
115.00
75.00
200.00
18.50
140.00
10.00
10.00
86356'
Estate of Lillian L. Denmon
Moulton Land Title, Inc., Sel mentAgent
WARNING: IT ISACRIMETO KNOWINGLY MAKE FALSE STATEMENTSTOTHE UNITED STATES ON THIS ORANYSIMILAR =ORM. PENALTIES UPON CONVICTION CAN INCLUDEA
FINEAND IMPRISONMENT. FOR DETAILS SEE: TITLE 18U.S. COD E SECTION 1001 & SECTION 1010.
Page 2 of 3 HUD-1
(22-611.PFD22.6118)
BUYER/SELLER CERTIFICATION
Buyer: The City of Crestview
Seller: Estate of Lillian L. Denmon
Date: February 7, 2023
Property Location: 225 Bowers Ave W
Crestview, FL 32536
Okaloosa County, Florida
The Buyer and Seller this date have checked, reviewed and approved the figures appearing on the Disclosure/Settlement
Statement (statement of actual costs), consisting of two (2) pages. Buyer acknowledges receipt of the payment of the loan
proceeds in full, and Seller acknowledges payment in full of the proceeds due Seller from the settlement.
The Buyer and Seller understand that the tax prorations shown on the Settlement Statement are . The Buyer and Seller
agree to adjust the tax prorations shown on the Settlement Statement when the actual Ad Valorem tax bill is rendered. Seller
agrees to forward the next tax bill to Buyer immediately upon receipt of the bill from the tax office. Buyer understands that the
next tax bill (even though in the name of the Seller) is the responsibility of the Buyer.
Seller understands that the payoff figure(s) shown on the first page of the Settlement Statement are figures supplied to the
settlement agent by the Seller's lender(s) and is/are subject to confirmation upon tender of payment. If the payoff figure(s)
are inaccurate, Seller agrees to immediately pay any shortage(s) that may exist.
As part of the consideration of this sale, the contract between the parties is by reference incorporated herein and made a
part hereof; the terms and conditions contained therein shall survive the closing and shall not merge upon the delivery of the
warranty deed.
I have carefully reviewed the HUD-1 Settlement Statement and to the best of my knowledge and belief, it is a true and
accurate Statement of all receipts and disbursements made on my account or by me in this transaction. I further certify that i
have received a copy of the HUD-1 Settlement Statement.
Customer funds are being deposited in an interest bearing escrow account and that any interest earned will be kept
by the agent to help offset the cost of operating an escrow account.
The City of Crestview Estate of Lillian L. Denmon
BY: - - �� BY:./1" alLarl C
Tim Bolduc, City Manager Karon C. Johnson as rsonal Representative
To the best of my knowledge, the HUD-1 Settlement Statement which I have prepared is a true and accurate account of the
funds which were received and have been or will be disbursed by the undersigned as part of the settlement of this
transaction.
Moulton Land Title,,l/ic.
By:
Moulton Land Ti le, Inc.
Warning: It is a crime to knowingly make false statements to the United States on this or any similar form. Penalties upon
conviction can include a fine and imprisonment. For details see: title 18 U.S. code section 1001 & section 1010.
LIEN HOLDER:
City of Crestview, Florida
198 Wilson Street North
Crestview, FL 32536
PROPERTY ADDRESS:
PARCEL NUMBER:
RELEASE OF LIEN
225 BOWERS AVE W, CRESTVIEW 32536
17-3N-23-2490-0133-014B
TO ALL WHOM IT MAY CONCERN:
The undersigned lien holder hereby releases the Municipal Code Enforcement Lien recorded in
the Public Records of Okaloosa County at Official Records Book 3623, Page 1922, and Official
Records Book 3653, Page 766, and directs the Clerk of Court to satisfy, cancel and discharge the
lien of record.
CITY OF CRESTVIEW, FLORIDA
By:
Name: f t• D452v--
Title: G f' tsllo"tic, .
2/7 (�0-3
Date:
STATE OF FLORIDA
COUNTY OF OKALOOSA
The foregoing instrument was acknowledged before me this J'day of
2023, by Tim Bolduc, as City Manager of the City of Crestview, Florida, on behalf of the Ci
[please chick a applicable] / / is personally known to me, or / i.� / pro
as identification.
r
My Commission Expires:
Notary Seal:
Notary Public l•
State of Florida
KAR::iNN iNO[ N
MY,COMML?4 GG 355481
Bond EXPIRE? -cast 5, 2023
44 hri, • Public UnderwrttAro
This instrument prepared by:
Moulton Land Title, Inc.
660-A North Ferdon Blvd.
Crestview, FL 32536
File Number: 22-611
17-3N-23-2490-0133-014B
WARRANTY DEED
THIS WARRANTY DEED made'the 7th day of February, 2023, by Karon C., Hohnson
as Personal Representative for the Estate of Lillian L. Denmon, conveying non -homestead
property whose post office address is: 1038 Lighthouse Church Rd. Baker, FL 32531,
hereinafter called Grantor, to The City of Crestview, whose post office address is: 198 North
Wilson Street, Crestview, FL 32536, hereinafter called the Grantee (wherever used herein the
terms "grantor" and "grantee" include all the parties to this instrument and the heirs, legal
representatives and assigns of individuals, and the successors and assigns of corporations).
WITNESSETH: That the grantor, for and in consideration of the sum of $10.00 and other
valuable considerations, receipt whereof is hereby acknowledged, hereby grants, bargains, sells,
aliens, remises, releases, conveys and confirms unto the grantee, all that certain land situate in
Okaloosa County, Florida, viz:
Parcel 1:
Commencing at the Southeast corner of Lot 14, Block 133, Town of Crestview, according to the
plat thereof on file in Plat Book 1, Page 72, of Official Records of Okaloosa County, Florida; run
West along Field Avenue 65 feet; thence North parallel to East line of said Lot 14, 34.7 feet;
thence East parallel to Field Avenue 65 feet; thence South along said line 34.7 feet to Point of
Beginning. Being a portion of Lot 14, Block 133, City of Crestview.
Parcel 2:
Commencing at the Southeast corner of Lot 14, Block 133, Town of Crestview, according to the
plat thereof on file in Plat Book 1, Page 72, of Official Records of Okaloosa County, Florida; run
North along lot line 34.7 feet to Point of Beginning; thence run West parallel to Field Avenue, 65
feet; thence North parallel to East line of Lot 14, 54.8 feet; thence East parallel to Field Avenue,
65 feet; thence South along said lot line 54.8 feet to Point of Beginning.
Parcel 3:
Commencing at the Southeast corner of Lot 14, Block 133, Town of Crestview, according to the
plat thereof as recorded in Plat Book 1, Page 72, in the Office of the Clerk of Circuit Court,
Okaloosa County, Florida; thence run North along lot line 89.5 feet to the Point of Beginning;
thence run West parallel to Field Avenue 65 feet; thence North parallel to said lot line 56.2 feet;
thence Fast parallel to Field Avenue 65 feet to said lot line; thence South along said lot line 56.2
feet to the Point of Beginning. All lying and being in Lot 14, Block 133, Town of Crestview.
PAGE 1 OF 2
•10
PAGE 2 OF 2
TOGETHER with all the tenements, hereditaments and appurtenances thereto belonging
or in anywise appertaining.
TO HAVE AND TO HOLD, the same in fee simple forever.
AND the grantor hereby covenants with said grantee that the grantor is lawfully seized of
said land in fee simple, that the grantor has good right and lawful authority to sell and convey
said land; that the grantor hereby fully warrants the title to said land and will defend the same
against the lawful claims of all persons whomsoever; and that said land is free of all
encumbrances, except taxes accruing subsequent to December 31, 2022.
IN WITNESS WHEREOF, the said grantor has signed and sealed these presents the day
and year first above written.
Signedrsealed and delivered in the presence of:
' I/g' tL
ESS 47(f1
STATE OF FLORIDA
COUNTY OF OKALOOSA
, C —:-
Karon C. Johnson as4rsonal Representative
for the Estate of Lillian L. Denmon
The foregoing instrument was acknowledged before me by means of plihysical presence or [ ]
online notarization this 7th day of February, 2023, before me personally appeared Karon C.
Johnson as Personal Repre e tative for the Estate of Lillian L. Denmon who is personally
known to me or producs identification, who is the person described in and who
executed the foregoing instrument, and who, after being duly sworn, says that execution hereof is
his/her free act and deed for the uses and purposes herein mentioned an di oath was not taken.
SWORN TO AND SUBSCRIBED before me the undersigned Notary ublic by hand and official
seal the day and year last aforesaid.
Notary Public:
Commission No. My Commission Expires:
<".:"�"' KAREN HOBIN
*:t :*; MY COMMISSION # GG 355481
. ..7-, , EXPIRES: August 5, 2023
t, Bonded Thru Notary Public Underwriters
11E1 IIIIM•III II 111111111111111 II 1 1 11 E11 111
WESTCO R
LANa` fus`:br�:•s
AMERICAN LAND TITLE ASSOCIATION Commitment For Title Insurance
(With Florida Modifications)
ISSUED BY
WESTCOR LAND TITLE INSURANCE COMPANY
NOTICE
IMPORTANT —READ CAREFULLY: THIS COMMITMENT IS AN OFFER TO ISSUE ONE OR MORE TITLE
INSURANCE POLICIES. ALL CLAIMS OR REMEDIES SOUGHT AGAINST THE COMPANY INVOLVING THE
CONTENT OF THIS COMMITMENT OR THE POLICY MUST BE BASED SOLELY IN CONTRACT.
THIS COMMITMENT IS NOT AN ABSTRACT OF TITLE, REPORT OF THE CONDITION OF TITLE, LEGAL OPINION,
OPINION OF TITLE, OR OTHER REPRESENTATION OF THE STATUS OF TITLE. THE PROCEDURES USED BY THE
COMPANY TO DETERMINE INSURABILITY OF THE TITLE, INCLUDING ANY SEARCH AND EXAMINATION, ARE
PROPRIETARY TO THE COMPANY, WERE PERFORMED SOLELY FOR THE BENEFIT OF THE COMPANY, AND
CREATE NO EXTRA CONTRACTUAL LIABILITY TO ANY PERSON, INCLUDING A PROPOSED INSURED.
THE COMPANY'S OBLIGATION UNDER THIS COMMITMENT IS TO ISSUE A POLICY TO A PROPOSED INSURED
IDENTIFIED IN SCHEDULE A IN ACCORDANCE WITH THE TERMS AND PROVISIONS OF THIS COMMITMENT.
THE COMPANY HAS NO LIABILITY OR OBLIGATION INVOLVING THE CONTENT OF THIS COMMITMENT TO
ANY OTHER PERSON.
COMMITMENT TO ISSUE POLICY
Subject to the Notice; Schedule B, Part I —Requirements; Schedule B, Part II —Exceptions; and the Commitment Conditions,
WESTCOR LAND TITLE INSURANCE COMPANY, a South Carolina Corporation (the "Company"), commits to issue the
Policy according to the terms and provisions of this Commitment. This Commitment is effective as of the Commitment Date
shown in Schedule A for each Policy described in Schedule A, only when the Company has entered in Schedule A both the
specified dollar amount as the Proposed Policy Amount and the name of the Proposed Insured.
If all of the Schedule B, Part I —Requirements have not been met within 6 months after the Commitment Date, this Commitment
terminates and the Company's liability and obligation end.
IN WITNESS WHEREOF, WESTCOR LAND TITLE INSURANCE COMPANY has caused its corporate name and seal
to be hereunto affixed and by these presents to be signed in facsimile under authority of its by-laws, effective as of the date of
Commitment shown in Schedule A.
Issued By:
FL1028 * 22-611
Moulton Land Title, Inc.
660- A N. Ferdon Blvd
Crestview, FL 32536
WESTCOR LAND TITLE INSURANCE COMPANY
By:
Attest:
Awvvt c Aix M
ident
Secretlty
This page is only a part of a 2016 ALTA Commitment for Title Insurance. This Commitment is not valid without the Notice;
the Commitment to Issue Policy; the Commitment Conditions; Schedule A; Schedule B, Part I -Requirements; and Schedule B,
Part II -Exceptions.
A,MN RNCRN
iTnl1 FIR
Copyright 2006-2016 American Land Title Association. All rights reserved. The use of this Form (or any derivative thereof) is restricted to
ALTA licensees and ALTA members in good standing as of the date of use. All other uses are prohibited. Reprinted under license from the American
Land Title Association.
CM-17 FL ALTA Commitment for Title Insurance with Florida Modifications 8-1-16 WLTIC Edition (12/01/2017)
COMMITMENT CONDITIONS
1. DEFINITIONS
(a) "Knowledge" or "Known": Actual or imputed knowledge, but not constructive notice imparted by the Public Records.
(b) "Land": The land described in Schedule A and affixed improvements that by law constitute real property. The term "Land" does
not include any property beyond the lines of the area described in Schedule A, nor any right, title, interest, estate, or easement in
abutting streets, roads, avenues, alleys, lanes, ways, or waterways, but this does not modify or limit the extent that a right of access
to and from the Land is to be insured by the Policy.
(c) "Mortgage": A mortgage, deed of trust, or other security instrument, including one evidenced by electronic means authorized
by law.
(d) "Policy": Each contract of title insurance, in a form adopted by the American Land Title Association, issued or to be issued by the
Company pursuant to this Commitment.
(e) "Proposed Insured": Each person identified in Schedule A as the Proposed Insured of each Policy to be issued pursuant to this
Commitment.
(f) "Proposed Policy Amount": Each dollar amount specified in Schedule A as the Proposed Policy Amount of each Policy to be
issued pursuant to this Commitment.
(g) "Public Records": Records established under state statutes at the Commitment Date for the purpose of imparting constructive notice
of matters relating to real property to purchasers for value and without Knowledge.
(h) "Title": The estate or interest described in Schedule A.
2. If all of the Schedule B, Part I —Requirements have not been met within the time period specified in the Commitment to Issue Policy,
this Commitment terminates and the Company's liability and obligation end.
3. The Company's liability and obligation is limited by and this Commitment is not valid without:
(a) the Notice;
(b) the Commitment to Issue Policy;
(c) the Commitment Conditions;
(d) Schedule A;
(e) Schedule B, Part I —Requirements;
(f) Schedule B, Part II —Exceptions; and
(g) a counter -signature by the Company or its issuing agent that may be in electronic form.
4. COMPANY'S RIGHT TO AMEND
The Company may amend this Commitment at any time. If the Company amends this Commitment to add a defect, lien, encumbrance,
adverse claim, or other matter recorded in the Public Records prior to the Commitment Date, any liability of the Company is limited by
Commitment Condition 5. The Company shall not be liable for any other amendment to this Commitment.
5. LIMITATIONS OF LIABILITY
(a) The Company's liability under Commitment Condition 4 is limited to the Proposed Insured's actual expense incurred in the interval
between the Company's delivery to the Proposed Insured of the Commitment and the delivery of the amended Commitment, resulting from
the Proposed Insured's good faith reliance to:
(i) comply with the Schedule B, Part I —Requirements;
(ii) eliminate, with the Company's written consent, any Schedule B, Part II —Exceptions; or
(iii) acquire the Title or create the Mortgage covered by this Commitment.
(b) The Company shall not be liable under Commitment Condition 5(a) if the Proposed Insured requested the amendment or had
Knowledge of the matter and did not notify the Company about it in writing.
(c) The Company will only have liability under Commitment Condition 4 if the Proposed Insured would not have incurred the expense
had the Commitment included the added matter when the Commitment was first delivered to the Proposed Insured.
(d) The Company's liability shall not exceed the lesser of the Proposed Insured's actual expense incurred in good faith and described
in Commitment Conditions 5(a)(i) through 5(a)(iii) or the Proposed Policy Amount.
(e) The Company shall not be liable for the content of the Transaction Identification Data, if any.
This page is only a part of a 2016 ALTA Commitment for Title Insurance. This Commitment is not valid without the Notice; the Commitment
to Issue Policy; the Commitment Conditions; Schedule A; Schedule B, Part I -Requirements; and Schedule B, Part II -Exceptions.
CM-17 FL ALTA Commitment for Title Insurance with Florida Modifications 8-1-16 WLTIC Edition (12/01/2017)
WESTCOR LAND TITLE INSURANCE COMPANY
AMERICAN LAND TITLE ASSOCIATION COMMITMENT
(With Florida Modifications 8-1-16)
(f) In no event shall the Company be obligated to issue the Policy referred to in this Commitment unless all of the Schedule B, Part I --
Requirements have been met to the satisfaction of the Company.
(g) In any event, the Company's liability is limited by the terms and provisions of the Policy.
6. LIABILITY OF THE COMPANY MUST BE BASED ON THIS COMMITMENT
(a) Only a Proposed Insured identified in Schedule A, and no other person, may make a claim under this Commitment.
(b) Any claim must be based in contract and must be restricted solely to the terms and provisions of this Commitment.
(c) Until the Policy is issued, this Commitment, as last revised, is the exclusive and entire agreement between the parties with respect
to the subject matter of this Commitment and supersedes all prior commitment negotiations, representations, and proposals of any
kind, whether written or oral, express or implied, relating to the subject matter of this Commitment.
(d) The deletion or modification of any Schedule B, Part II —Exception does not constitute an agreement or obligation to provide
coverage beyond the terms and provisions of this Commitment or the Policy.
(e) Any amendment or endorsement to this Commitment must be in writing and authenticated by a person authorized by the
Company.
(f) When the Policy is issued, all liability and obligation under this Commitment will end and the Company's only liability will be
under the Policy.
7. IF THIS COMMITMENT HAS BEEN ISSUED BY AN ISSUING AGENT
The issuing agent is the Company's agent only for the limited purpose of issuing title insurance commitments and policies. Th e
issuing agent is not the Company's agent for the purpose of providing closing or settlement services.
8. PRO -FORMA POLICY
The Company may provide, at the request of a Proposed Insured, a pro -forma policy illustrating the coverage that the Company
may provide. A pro -forma policy neither reflects the status of Title at the time that the pro -forma policy is delivered to a Proposed
Insured, nor is it a commitment to insure.
This page is only a part of a 2016 ALTA Commitment for Title Insurance. This Commitment is not valid without the Notice; the Commitment
to Issue Policy; the Commitment Conditions; Schedule A; Schedule B, Part I -Requirements; and Schedule B, Part II -Exceptions.
CM-17 FL ALTA Commitment for Title Insurance with Florida Modifications 8-1-16 WLTIC Edition (12/01/2017)
WESTCOR LAND TITLE INSURANCE COMPANY
AMERICAN LAND TITLE ASSOCIATION COMMITMENT
(With Florida Modifications 8-1-16)
Transaction identification Data for reference only:
State: Florida County: OKALOOSA
Property Address: 225 Bowers Avenue West Crestview, FL 32536
Plant File #•
22-078645
Reinsurance #:
Schedule A
1. Effective Date: January 27, 2023 @ 8:00 am
Agent File #;
22-611
2. Policy or Policies to be issued:
a. Owner's Policy Amount
The City of Crestview $20,000.00
b. Loan Policy Amount
2nd Proposed Insured Loan: Amount
3. The estate or interest in the land described or referred to in this Commitment is:
Fee Simple
4. Title to the estate or interest in the Land is at the Commitment Date vested in:
Beneficiaries of the Estate of Lillian Denmon a/k/a Lillian L. Denmon, deceased
5. The land is described as follows:
See Attached Schedule A Continuation for Legal Description
Count4T-sig led Authorized Signatory
Issued By:
FL1028
Moulton Land Title, Inc.
660- A N. Ferdon Blvd
Crestview, FL 32536
This page is only a part of a 2016 ALTA Commitment for Title Insurance. This Commitment is not valid without the Notice; the
Commitment to Issue Policy; the Commitment Conditions; Schedule A; Schedule B, Part I -Requirements; and Schedule B,
Part II -Exceptions.
nvp,,c AN
Copyright 2006-2016 American Land Title Association. All rights reserved. The use of this Form (or any derivative thereof) is restricted to
ALTA licensees and ALTA members in good standing as of the date of use. All other uses are prohibited. Reprinted under license from
the American Land Title Association.
CM-17S / FL ALTA Commitment for Title Insurance with Florida Modifications 8-1-16 (Schedules A, BI and BII) (VVLTIC Edition 04/17/2017)
Plant File # : 22-078645 Agent File #: 22-611
WESTCOR LAND TITLE INSURANCE COMPANY
AMERICAN LAND TITLE ASSOCIATION COMMITMENT
(With Florida Modifications 8-1-16)
Schedule A, Continuation Page
Parcel 1
Commencing at the Southeast corner of Lot 14, Block 133, Town of Crestview, according to
the plat thereof on file in Plat Book 1, Page 72, of Official Records of Okaloosa County,
Florida; run West along Field Avenue 65 feet; thence North parallel to East line of said Lot
14, 34.7 feet; thence East parallel to Field Avenue 65 feet; thence South along said line 34.7
feet to Point of Beginning. Being a portion of Lot 14, Block 133, City of Crestview.
Parcel 2:
Commencing at the Southeast corner of Lot 14, Block 133, Town of Crestview, according to
the plat thereof on file in Plat Book 1, Page 72, of Official Records of Okaloosa County,
Florida; run North along lot line 34.7 feet to Point of Beginning; thence run West parallel to
Field Avenue, 65 feet; thence North parallel to East line of Lot 14, 54.8 feet; thence East
parallel to Field Avenue, 65 feet; thence South along said lot line 54.8 feet to Point of
Beginning.
Parcel 3:
Commencing at the Southeast corner of Lot 14, Block 133, Town of Crestview, according to
the plat thereof as recorded in Plat Book 1, Page 72, in the Office of the Clerk of Circuit
Court, Okaloosa County, Florida; thence run North along lot line 89.5 feet to the Point of
Beginning; thence run West parallel to Field Avenue 65 feet; thence North parallel to said lot
line 56.2 feet; thence East parallel to Field Avenue 65 feet to said lot line; thence South
along said lot line 56.2 feet to the Point of Beginning. All lying and being in Lot 14, Block
133, Town of Crestview.
This page is only a part of a 2016 ALTA Commitment for Title Insurance. This Commitment is not valid without the Notice; the
Commitment to Issue Policy; the Commitment Conditions; Schedule A; Schedule B, Part I -Requirements; and Schedule B,
Part II -Exceptions.
Copyright 2006-2016 American Land Title Association. All rights reserved. The use of this Form (or any derivative thereof) is restricted to
ALTA licensees and ALTA members in good standing as of the date of use. All other uses are prohibited. Reprinted under license from
the American Land Title Association.
CM-17S / FL ALTA Commitment for Title Insurance with Florida Modifications 8-1-16 (Schedules A, BI and BII) (WLTIC Edition 04/17/2017)
Plant File # : 22-078645 Agent File #: 22-611
WESTCOR LAND TITLE INSURANCE COMPANY
AMERICAN LAND TITLE ASSOCIATION COMMITMENT
(With Florida Modifications 8-1-16)
Schedule B - Section 1
All of the following Requirements must be met:
1. Documents satisfactory to the Company that convey the Title or create the Mortgage to be
insured, or both, must be properly authorized, executed, delivered, and recorded in the Public
Records.
a. Personal Representative's Deed from Karon C. Johnson as Personal Representative of
the Estate of Lillian Denmon a/k/a Lillian L. Denmon, deceased to The City of Crestview
conveying the land.
2. Pay the agreed amount for the estate or interest to be insured.
3. Payment of all taxes, charges, assessments, levied and assessed against subject premises,
which are due and payable.
4. Satisfactory evidence should be had that improvements and/or repairs or alterations thereto are
completed; that contractor, subcontractors, labor and materialmen are all paid.
5. Exceptions 3 and 4 of Schedule B - Section 2 of this commitment may be amended in or deleted
from the policy to be issued if a survey, satisfactory to the Company, is furnished to Company.
6. The Proposed Insured must notify the Company in writing of the name of any party not referred to
in this Commitment who will obtain an interest in the Land or who will make a loan on the Land.
The Company may then make additional Requirements or Exceptions.
7. Pay the premiums, fees, and charges for the Policy to the Company.
8. Proof of payment or non-existence of Federal and/or Florida Estate Taxes against the Estate of
Lillian Denmon a/k/a Lillian L. Denmon, deceased, to be filed of record.
9. Compliance and Release of Code Enforcement Lien in favor of City of Crestview against Heirs of
Lillian Denmon, recorded in Official Records Book 3623, Page 1922, of the Public Records of
Okaloosa County, Florida.
10. Compliance and Release of Code Enforcement Lien in favor of City of Crestview against Heirs of
Lillian Denmon, recorded in Official Records Book 3653, Page 766, of the Public Records of
Okaloosa County, Florida.
11. A search of the public records of Okaloosa County, Florida did not disclose a recorded mortgage
encumbering the subject property. The Agent must confirm with the owner(s) that the property is
free and clear and no unrecorded mortgages exist.
This page is only a part of a 2016 ALTA Commitment for Title Insurance. This Commitment is not valid without the Notice; the
Commitment to Issue Policy; the Commitment Conditions; Schedule A; Schedule B, Part I -Requirements; and Schedule B,
Part II -Exceptions.
TANA
151.4
Copyright 2006-2016 American Land Title Association. All rights reserved. The use of this Form (or any derivative thereof) is restricted to
ALTA licensees and ALTA members in good standing as of the date of use. All other uses are prohibited. Reprinted under license from
the American Land Title Association.
CM-17S / FL ALTA Commitment for Title Insurance with Florida Modifications 8-1-16 (Schedules A, BI and BII) (WLTIC Edition 04/17/2017)
Plant File # : 22-078645 Agent File #: 22-611
WESTCOR LAND TITLE INSURANCE COMPANY
AMERICAN LAND TITLE ASSOCIATION COMMITMENT
(With Florida Modifications 8-1-16)
NOTE: Real Estate Taxes for the year 2022 were paid in the amount of $288.90; Assessed Value
$18,667.00; Gross Amount $294.80; Exemptions: No; Folio No.: 17-3N-23-2490-0133-014B.
NOTE: FOR INFORMATIONAL PURPOSES ONLY: The following instrument(s) affecting said land is
the last conveying instrument(s) filed for record within 24 months of the effective date of this
Commitment:
1. Deed recorded 08/10/1993 in Official Records Book 1766, Page 983, of the Public
Records of Okaloosa County, Florida.
This page is only a part of a 2016 ALTA Commitment for Title Insurance. This Commitment is not valid without the Notice; the
Commitment to Issue Policy; the Commitment Conditions; Schedule A; Schedule B, Part I -Requirements; and Schedule B,
Part II -Exceptions.
Copyright 2006-2016 American Land Title Association. All rights reserved. The use of this Form (or any derivative thereof) is restricted to
ALTA licensees and ALTA members in good standing as of the date of use. All other uses are prohibited. Reprinted under license from
the American Land Title Association.
CM-17S / FL ALTA Commitment for Title Insurance with Florida Modifications 8-1-16 (Schedules A, BI and BII) (WLTIC Edition 04/17/2017)
Plant File # : 22-078645 Agent File #: 22-611
WESTCOR LAND TITLE INSURANCE COMPANY
AMERICAN LAND TITLE ASSOCIATION COMMITMENT
(With Florida Modifications 8-1-16)
Schedule B - Section 2
THIS COMMITMENT DOES NOT REPUBLISH ANY COVENANT, CONDITION, RESTRICTION, OR
LIMITATION CONTAINED IN ANY DOCUMENT REFERRED TO IN THIS COMMITMENT TO THE
EXTENT THAT THE SPECIFIC COVENANT, CONDITION, RESTRICTION, OR LIMITATION
VIOLATES STATE OR FEDERAL LAW BASED ON RACE, COLOR, RELIGION, SEX, SEXUAL
ORIENTATION, GENDER IDENTITY, HANDICAP, FAMILIAL STATUS, OR NATIONAL ORIGIN.
The Policy will not insure against loss or damage resulting from the terms and provisions of any lease
or easement identified in Schedule A, and will include the following Exceptions unless cleared to the
satisfaction of the Company:
1. Defects, liens, encumbrances, adverse claims or other matters, if any, created, first
appearing in the public records or attaching subsequent to the effective date but prior to
the date the proposed Insured acquires for value of record the estate or interest or
mortgage thereon covered by this Commitment.
2. Rights or claims of parties in possession not shown by the Public Records.
3. Any encroachment, encumbrance, violation, variation, or adverse circumstance affecting
the Title that would be disclosed by an accurate and complete survey of the Land. The
term "encroachment" includes encroachments of existing improvements located on the
Land onto adjoining land, and encroachments on the Land of existing improvements
located on the adjoined land.
4. Easements or claims of easements not shown by the Public Records
5. Taxes or special assessments which are not shown as existing liens by the public records.
6. Taxes and assessments for the year 2023 and subsequent years, which are not yet due
and payable.
7. Restrictions, dedications, reservations, setbacks and easements, if any, as indicated and/or
shown on that certain Plat recorded in Plat Book 1, at Page(s) 72, of the Public Records of
Okaloosa County, Florida.
8. Existing unrecorded leases and all right thereunder of the lessees and of any person claiming by,
through or under lessees.
This page is only a part of a 2016 ALTA Commitment for Title Insurance. This Commitment is not valid without the Notice; the
Commitment to Issue Policy; the Commitment Conditions; Schedule A; Schedule B, Part I -Requirements; and Schedule 8,
Part II -Exceptions.
Copyright 2006-2016 American Land Title Association. All rights reserved. The use of this Form (or any derivative thereof) is restricted to
ALTA licensees and ALTA members in good standing as of the date of use. All other uses are prohibited. Reprinted under license from
the American Land Title Association.
CM-17S / FL ALTA Commitment for Title Insurance with Florida Modifications 8-1-16 (Schedules A, BI and BII) (WLTIC Edition 04/17/2017)
Plant File # : 22-078645 Agent File #: 22-611