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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 � �� A 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