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HomeMy Public PortalAboutLand Title Insurance - Parks & Recreation - Schnieder Property - Parks & Rec HENDREN AND ANDRAE ATTORNEYS AT LAW 235 EAST HIGH STREET P.O.BOX 1069 JEFFERSON CITY,MISSOURI 65102 (314)636-8135 FAX(314)636-5226 TITLE INSURANCE FOR S-CHNIEDER PROPERTY RECEIVED JUL 0 6 1995 THIS ENCLOSURE IS SENT TO YOU WITHOUT A PERSONAL LETTER SO THAT IT MAY REACH YOU AS QUICKLY AS POSSIBLE. SENT BY: John W. Kuebler� DATE: 7/6/95 F � ' • ::?31n''.a„ ' ,yam,-�, ,.;l.�A�V „N; .. .. rai il; '.e„a'a� 5�T lrhi.iR' r' 01Ak= o�a a '. '. R., v 4 �k k ALTA Owner's Policy ® � " , (10-17-92) � D i�yy sn POLICY OF TITLE :- INSURANCE 5 AM E R r C Policy No OP 5310646 ISSUED BY First American Title Insurance Company SUBJECT TO THE EXCLUSIONS FROM COVERAGE, THE EXCEPTIONS FROM COVERAGE CONTAINED IN SCHEDULE B AND THE CONDITIONS AND STIPULATIONS, FIRST AMERICAN TITLE INSURANCE COMPANY, a California corporation, herein called the Company, insures, as of Date of Policy shown in Schedule A, against loss or damage, not exceeding the Amount of Insurance stated in Schedule A, sustained or incurred by the insured by reason of: 1. Title to the estate or interest described in Schedule A being vested other than as stated therein; ^ 2. Any defect in or lien or encumbrance on the title; " 3. Unmarketability of the title; 4. Lack of a right of access to and from the land. The Company will also pay the costs,attorneys'fees and expenses incurred in defense of the title,as insured,but only to '1N► the extent provided in the Conditions and Stipulations. R Issued By: ' Cole County Abstract &Title Co. 240 East High Street Jefferson City, MO 65101 (314) 636-3214 -- First American Title Insurance Company .Y BY PRESIDENT Ill�' 1 �I� V V �wi/�__ � {fib! ATTEST SECRETARY COUNTERSIGNED BY: 1 �n V o'S , JAW ' 'rf ,•.e+'-,. vt'+ -1 A-1. -.; n -r„ ".' ; ii 'a t✓.ti,„ i'�•1` .:�: 42-304-029 8/93 ' r ..... ... ... � � AMERI � ® � lo AM �,:� i�qC:�41�"i6 ��u;,. - �`49y �"" Y�� D = .a;y�. rein., � First American Title Insurance Company . A . POLICY IR OF TITLE INSURANCE 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 which arise by reason of: 1. , (a) Any law, ordinance or governmental regulation (including but not limited to building and zoning laws, ordinances, or regulations) restricting, regulating, prohibiting or relating to (i) the occupancy, use, or enjoyment of the land; (ii) the character, dimensions or location of any im- provement now or hereafter erected on the land; (iii) a separation in ownership or a change in the dimensions or area of the land or any parcel of which the land is or was a part; or(iv) environmental protection, or the effect of any violation of these laws, ordinances or govern- mental regulations, except to the extent that a notice of the enforcement thereof or a notice of a defect, lien or encumbrance resulting from a violation or alleged violation affecting the land has been recorded in the public records at Date of Policy. (b) Any governmental police power not excluded by(a) above, except to the extent that a notice of the exercise thereof or a notice of a defect, lien or encumbrance resulting from a violation or alleged violation affecting the land has been recorded in the public records at Date of Policy. 2. Rights of eminent domain unless notice of the exercise thereof has been recorded in the public records at Date of Policy, but not excluding from coverage any taking which has occured prior to Date of Policy which would be binding on the rights of a purchaser for value without knowledge. 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 records 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 which would not have been sustained if the insured claimant had paid value for the estate or interest insured by this policy. 4. Any claim, which arises out of the transaction vesting in the Insured the estate or interest insured by this policy, by reason of the operation of federal bankruptcy, state insolvency, or similar creditors' rights laws, that is based on: (a) the transaction creating the estate or interest insured by this policy being deemed a fraudulent conveyance or fraudulent transfer or; (b) the transaction creating the estate or interest insured by this policy being deemed a preferential transfer except where the preferential transfer results from the failure; (i) to timely record the instrument of transfer; or (ii) of such recordation to impart notice to a purchaser for value or a judgment or lien creditor. CONDITIONS AND STIPULATIONS 1. DEFINITION OF TERMS. the basis of loss or damage and shall state,to the extent possi- (b) In the event of any litigation,including litigation by The following terms when used in this policy mean: ble,the basis of calculating the amount of the loss or damage. the Company or with the Company's consent,the Company (a) "insured":the insured named in Schedule A, and, If the Company is prejudiced by the failure of the insured shall have no liability for loss or damage until there has been subject to any rights or defenses the Company would have had claimant to provide the required proof of loss or damage,the a final determination by a court of competent jurisdiction, agonist the named insured,those who succeed to the interest Company's obligations to the insured under the policy shall and disposition of all appeals therefrom,adverse to the title of the named insured by operation of law as distinguished from terminate,including any liability or obligation to defend,pros- as insured. purchase including, but not limited to, heirs, distributees, ecute,or continue any litigation,with regard to the matter or (c) The Company shall not be liable for loss or damage to devisees,survivors,personal representatives,next of kin,or matters requiring such proof of loss or damage. any insured for liability voluntarily assumed by the insured corporate or fiduciary successors. In addition, the insured claimant may reasonably be re- in settling any claim or suit without the priorwritten consent (b) "insured claimant an insured claiming loss or quired to submit to examination under oath by any authorized of the Company. damage. representative of the Company and shall produce for examina- (c) "knowledge" or "known": actual knowledge, not tion, inspection and copying,at such reasonable times and 10. REDUCTION OF INSURANCE;REDUCTION OR constructive knowledge or notice which may be imputed to an places as may be designated by any authorized representative TERMINATION OF LIABILITY. insured by reason of the public records as defined in this policy of the Company, all records, books, ledgers, checks, corre- All payments under this policy,except payments made or any other records which impart constructive notice of mat- spondence and memoranda,whether bearing a date before or for costs, attorneys'fees and expenses, shall reduce the ters affecting the land. after Date of Policy,which reasonably pertain to the loss or amount of the insurance pro tanto. (d) "land":the land described or referred to in Schedule damage.Further,if requested by any authorized representa- (A),and improvements aaffixed thereto which by law constitute -tive of the Company,the insured-claimant shall-grant its per 11. LIABILITY NONCUMULATIVE: real property.The term"land"does not include any property mission,in writing,for any authorized representative of the It is expressly understood that the amount of insurance beyond the lines of the area described or referred to in Company to examine, inspect and copy all records, books, under this policy shall be reduced by any amount the Com- Schedule(A),nor any right,title,interest,estate or easement ledgers,checks,correspondence and memoranda in the cus- pany may pay under any policy insuring a mortgage to which in abutting streets, roads, avenues, alleys, lanes, ways or tody or control of a third party,which reasonably pertain to the exception is taken in Schedule B or to which the insured has waterways,but nothing herein shall modify or limit the extent loss or damage.All information designated as confidential by agreed, assumed, or taken subject,or which is hereafter to which a right of access to and from the land is insured by the insured claimant provided to the Company pursuant to this executed by an insured and which is a charge or lien on the this policy. Section shall not be disclosed to others unless,in the reason- estate or interest described or referred to in Schedule A,and (e) "mortgage":mortgage,deed of;trust,trust deed,or able judgment of the Company,it is necessary in the adminis- the amount so paid shall be deemed a payment under this -other security instrument. tration of the claim.Failure of the insured claimant to submit policy to the insured owner. (f) "public records": records established under state for examination under oath,produce other reasonably request- statutes at Date of Policy for the purpose of imparting con- ed information or grant permission to secure reasonably 12 PAYMENT OF LOSS. structive notice of matters relating to real property to pur- necessary information from third parties as required in this chasers for value and without knowledge. With respect to paragraph,unless prohibited by law or governmental regula- (a) No payment shall be made without producing this Section 1(a)(iv) of the Exclusions From Coverage, "public tion,shall terminate any liability of the Company under this policy for endorsement of the payment unless the policy has records"shalll also include environmental protection liens filed policy as to that claim. been lost or destroyed,in which case proof of loss ordestruc- in the records of the clerkof the United States district court for tion shall be furnished to the satisfaction of the Company. the district in which the land is located. 6. OPTIONS TO PAY OR OTHERWISE SETTLE CLAIMS; ( When liability and the extent of loss damage TERMINATION OF LIABILITY. has been Conditions definitely fixed in accordance with these Conditions (g) "unmarketability of the title"-an alleged or apparent and Stipulations,the loss or damage shall be payable within matter affecting the title to the land,not excluded or excepted In case of a claim under this policy,the Company shall have 30 days thereafter. from coverage,which would entitle a purchaser of the estate or the following additional options: interest described in Schedule A to be released from the (a) To Pay or Tender Payment of the Amount of 13. SUBROGATION UPON PAYMENT obligation to purchase by virtue of a contractual condition Insurance. OR SETTLEMENT. requiring the delivery of marketable title. To pay or tender payment of the amount of insurance g under this policy together with any costs,attorneys'fees and (a) The Company's p Y's RI h g t of Subrogation. 2. CONTINUATION OF INSURANCE AFTER expenses incurred by the insured claimant, which were Whenever the Company shall have settled and paid a CONVEYANCE OF TITLE. authorized by the Company,up to the time of payment or ten- claim under this policy,all right of subrogation shall vest in Thecov&age of this policy shall continue in force as of Date der of payment and which the Company is obligated to pay. the The Companyaffected shall be subrogated ted to and insured act of the enticlaimo all ant of PO icy in favor of an insured only so.long as the insured Upon the exercise bythe Company of this option,all liability rights and remedies which the nsu,dd and b r9t would have retai's an estate or interest in the land,or holds an indebted and obligations to the insured underthispol}acy,other nn auto had against any person or property in respect to the claim nave molly By reason Or covenants or warranty mane By the "U-1-I,QI1U 1—N„—r..,a„ IF...y ri hts and remedies against an propert insured in any transfer or conveyance of the estate or interest. for cancellation. g g y person or y This policy shall not continue in force in favor of any purchaser (b) To Pay or Otherwise Settle With Parties Other than necessary in order to perfect this right of sulngation.The riom tf(e insured of either(i)an estate or interest in the land,or the Insured or With the Insured Claimant. insured claimant shall permit the Company to sue, com- (ii)an indebtedness secured by a purchase money mortgage (i) to pay or otherwise settle with other parties for or promise or settle in the name of the insured claimant and to given to the insured. in the name of an insured claimant any claim insured against use the name of the insured claimant in any transaction or under this policy,together with any costs,attorneys'fees and litigation involving these rights or remedies. 3. NOTICE OF CLAIM TO BE GIVEN BY expenses incurred by the insured claimant which were If a payment on account of a claim does not fully cover the INSURED CLAIMANT. authorized by the Company up to the time of payment and loss of the insured claimant, the Company shall be sub- which the Company is obligated to pay;or rogated to these rights and remedies in the proportion which The insured shall notify the Company promptly in writing(i) (ii) to pay or otherwise settle with the insured claim- the Company s payment bears to the whole amount of in case of any litigation asset forth in Section 4(a)below,(ii)in ant the loss or damage provided for under this policy,together, the loss. case knowledge shall come to an insured hereunder of any with any costs,attorneys'fees and expenses incurred by the If loss should result from any act of the insured claimant, claim of title or interest which is adverse to the title to the insured claimant which were authorized by the Company up to as stated above,that act shall not void this policy,but the estate or interest,as insured,and which might cause loss or the time of payment and which the Company is obligated Company,in that event,shall be required to pay only that damage for which the Company may be liable by virtue of this to pay. part of any losses insured against by this policy which shall policy,or(iii) if title to the estate or interest,as insured, is Upon the exercise by the Company of either of the options exceed the amount,if any,lost to the Company by reason of rejected as unmarketable.If prompt notice shall not be given to provided for in paragraphs(b)(i)or(ii),the Company's obli- the impairment by the insured claimant of the Company's the Company,then as to the insured all liability of the Com- gations to the insured under this policy for the claimed loss or right of subrogation. pany shall terminate with regard to the matter or matters for damage,other than the payments required to be made,shall (b) The Company's Rights Against non-insured which prompt notice is required; provided, however, that terminate,including any liability or obligation to defend,pros- Obligors. failure to notify the Company shall in no case prejudice the ecute or continue any litigation. The Company's right of subrogation against non- rights of any insured under this policy unless the Company insured obligors shall exist and shall include,without limita- shall be prejudiced by the failure and then only to the extent of 7. DETERMINATION,EXTENT OF LIABILITY tion, the rights of the insured to indemnities, guaranties, the prejudice. AND COINSURANCE. other policies of insurance or bonds,notwithstanding any 4. DEFENSE AND PROSECUTION OF ACTIONS; This policy is a contract of indemnity against actual terms or conditions contained in those instruments which DUTY OF INSURED CLAIMANT TO COOPERATE. monetary loss or damage sustained or incurred by the insured Provide for subrogation rights by reason of this policy. a Upon written request b the insured and subject to claimant who has suffered loss or damage by reason of mat- 14.ARBITRATION(DOES NOT APPLY IN STATE OF MISSOURI) ( ) Po Y 1 ters insured against bythis policy andonlytothe extent herein the options contained in Section 6 of these Conditions and described. Unless prohibited by applicable law,either the Company Stipulations,the Company,at its own cost and without unrea- (a) The liability of the Company under this policy shall or the insured may demand arbitration pursuant to the Title sonable delay,shall provide for the defense of an insured in not exceed the least of: Insurance Arbitration Rules of the American Arbitration litigation in which any third party asserts a claim adverse to (i) the Amount of Insurance stated in Schedule A;or, Association. Arbitrable matters may include, but are not the title or interest as insured,but only as to those stated (ii) the difference between the value of the insured limited to,any controversy or claim between the Company causes of action alleging adefect,lien or encumbrance Brother estate or interest as insured and the value of the insured and the insured arising out of or relating to this policy,any matter insured against by this policy.The Company shall have estate or interest subject to the defect,lien or encumbrance service of the Company in connection with its issuance or the right to select counsel of its choice(subject to the right of insured against by this policy the breach of a policy provision or other obligation. All the insured to object for reasonable cause)to represent the (b) In the event the Amount of Insurance stated in arbitrable matters when the Amount of Insurance Is insured as to those stated causes of action and shall not be Schedule A at the Date of Policy is less than 80 percent of the $1,000,000 or less shall be arbitrated at the option of either liable for and will not pay the fees of any other counsel.The value of the insured estate or interest or the full consideration the Company or the insured.All arbitrable matters when the Company will not pay any fees,costs or expenses incurred by paid for the land,whichever is less,or if subsequent to the Date Amount of Insurance is in excess of$1,000,000 shall be the insured in the defense of those causes of action which of Policy an improvement is erected on the land which in- arbitrated only when agreed to by both the Company and the allege matters not insured against by this policy. creases the value of the insured estate or interest by at least insured.Arbitration pursuant to this policy and under the (b) The Company shall have the right,at its own cost,to 20 percent over the Amount of Insurance stated in Schedule A, Rules in effect on the date the demand for arbitration is made institute and prosecute any action or proceeding or to do any then this Policy is subject to the following: or,at the option of the insured,the Rules in effect at Date of other act which in its opinion may be necessary or desirable to (i) where no subsequent improvement has been Policy shall be binding upon the parties.The award may establish the title to the estate or Interest,as insured,or to pre- made,as to any partial loss,the Company shall only pay the include attorneys'fees only if the laws of the state in which vent or reduce loss or damage to the insured.The Company loss pro rata in the proportion that the amount of insurance at the land is located permit a court to award attorneys'fees to may take any appropriate action under the terms of this policy, Date of Policy bears to the total value of the insured estate or a prevailing party.Judgment upon the award rendered by the whether or not it shall be liable hereunder, and shall not interest at Date of Policy; or (ii) where a subsequent Arbitrator(s) may be entered In any court having jurls- thereby concede liability or waive any provision of this policy. improvement has been made,as to any partial loss,the Com- diction thereof. If the Company shall exercise its rights under this paragraph, pany shall only pay the loss pro rata in the proportion that 120 The law of the situs of the land shall apply to an arbitration it shall do so diligently. percent of the Amount of Insurance stated inSchedule.Abears under the Title Insurance Arbitration Rules. (c) Whenever the Company shall have brought an to the sum of the Amount of Insurance stated in Schedule A and A copy of the Rules may be obtained from the Company action or interposed a defense as required or permitted by the the amount expended for the improvement. upon request. provisions of this policy,the Company may pursue any litiga- The provisions of this paragraph shall not apply to costs, tion to final determination by a court of competent jurisdiction attorneys'fees and expenses for which the Company is liable 15. LIABILITY LIMITED TO THIS POLICY; and expressly reserves the right, in its sole discretion, to under this policy,and shall only apply to that portion of any POLICY ENTIRE CONTRACT. appeal from any adverse judgment or order. loss which exceeds, in the aggregate, 10 percent of the (a) This policy together with all endorsements,if any, (d) In all cases where this policy permits or requires the Amount of Insurance stated in Schedule A. attached hereto by the Company is the entire policy and con- Company to prosecute or provide for the defense of any action (c) The Company will pay only those costs,attorneys'fees tract between the insured and the Company.In interpreting or proceeding,the insured shall secure to the Company the and expenses incurred in accordance with Section 4 of these any provision of this policy,this policy shall be construed as right to so prosecute or provide defense in the action or pro- Conditions and Stipulations. a whole. ceeding,and all appeals therein,and permit the Company to (b) Any claim of loss or damage,whether or not based use,at its option,the name of the insured for this purpose. B. APPORTIONMENT. Whenever requested by the Company,the insured,at the Com on negligence,and which arises out of the status of the title pany's expense,shall give the Company all reasonable aid(i) If the land described in Schedule(A)(C)consists of two or to the estate or interest covered hereby or by any action as- in any action or proceeding,securing evidence,obtaining wit- more parcels which are not used as a single site,and a loss is serting such claim,shall be restricted to this policy nesses,prosecuting or defending the action or proceeding,or established affecting one or more of the parcels but not all,the (c) No amendment of or endorsement to this policy effecting settlement,and(ii)in any other lawful act which in loss shall be computed and settled on a pro rata basis as if the can be made except by a writing endorsed hereon or the opinion of the Company may be necessary or desirable to amount of insurance under this policy was divided pro rata as attached hereto signed by either the President,a Vice Presi- establish the title to the estate or interest as insured. If the to the value on Date of Policy of each separate parcel to the dent,the Secretary, an Assistant Secretary,or validating Company is prejudiced by the failure of the insured to furnish whole,exclusive of any improvements made subsequent to officer or authorized signatory of the Company. the required cooperation, the Company's obligations to the Date of Policy,unless a liability or value has otherwise been insured under the policy shall terminate,Including any liability agreed upon as to each parcel by the Company and the insured 16. SEVERABILITY. or obligation to defend,prosecute,or continue any litigation, at the time of the Issuance of this policy and shown by an ex- In the event any provision of the policy is held invalid or with regard to the matter or matters requiring such cooperation press statement or by an endorsement attached to this policy. unenforceable under applicable law, the policy shall be 9. LIMITATION OF LIABILITY. deemed not to include that provision and all other provisions S. PROOF OF LOSS OR DAMAGE. shall remain in full force and effect. In addition to and after the notices required under Section 3 (a) If the Company establishes the title,or removes the of these Conditions and Stipulations have been provided the alleged defect,lien or encumbrance,or cures the lack of a right 17. NOTICES,WHERE SENT. Company,a proof of loss or damage signed and sworn to by the of access to or from the land,or cures the claim of unmarket- All notices required to be given the Company and any insured claimant shall be furnished to the Company within 90 ability of title,all as insured,in a reasonably diligent manner by statement in writing required to be furnished the Company days after the insured claimant shall ascertain the facts giving any method, Including litigation and the completion of any shall include the number of this policy and shall be addressed rise to the loss or damage.The proof of loss or damage shall appeals therefrom,it shall have fully performed its obligations to the Company at 114 East Fifth Street,P.O.Box 267,Santa describe the defect in,or lien or encumbrance on the title,or with respect to that matter and shall not be liable for any loss Ana, California 92702, Phone No. (714) 558-3211. other matter insured against by this policy which constitutes or damage caused thereby. i OWNER'S POLICY SCHEDULE A File Number: 4-5690FA Policy Number: OP 5310646 Amount of Policy: $2,200.00 Effective Date: October 26, 1994 Risk Rate: $4.00 at 2:14 p.m. Total Charge: $125.00 ALTA Owners Policy 1.Name of Insured: THE CITY OF JEFFERSON 2. The estate or interest in the land which is covered by this policy is: FEE SIMPLE . 3.Title to the estate or interest in the land is vested in: THE CITY OF JEFFERSON 4. The land referred to in this policy is-located in the County of COLE, State of MISSOURI and described as follows: PART OF THE SOUTHEAST QUARTER OF THE SOUTHEAST QUARTER OF SECTION 27, TOWNSHIP 45 NORTH, RANGE 12 WEST, CONVEYED TO PETER J. SCHNIEDERS AND WIFE, PER DEED OF' RECORD IN 'BOOK 317, PAGE 824, COLE COUNTY RECORDER'S OFFICE, IN THE CITY OF JEFFERSON, COUNTY OF COLE, MISSOURI, MORE PARTICULARLY DESCRIBED AS FOLLOWS: FROM THE SOUTHEAST CORNER OF THE SOUTHWEST QUARTER OF THE SOUTHEAST QUARTER OF SAID SECTION 27; THENCE NORTH 5 DEGREES 48 MINUTES 58 SECONDS WEST ALONG THE QUARTER QUARTER SECTION LINE, 865.71 FEET TO THE CENTERLINE OF BOONVILLE ROAD AND THE BEGINNING POINT OF THIS DESCRIPTION; THENCE EASTERLY ALONG THE CENTERLINE OF BOONVILLE ROAD, ON THE FOLLOWING COURSES AND DISTANCES: NORTH 84 DEGREES 15 MINUTES 11 SECONDS EAST, 59.56 FEET; THENCE SOUTH 63 DEGREES 14 MINUTES. 03 SECONDS EAST, 250.88 FEET; THENCE LEAVING THE CENTERLINE OF SAID BOONVILLE ROAD, IN A SOUTHWESTERLY DIRECTION ALONG AND WITH THE EASTERLY LINE OF A TRACT OF LAND CONVEYED TO PETER J. SCHNIEDERS AND WIFE, PER DEED OF RECORD IN BOOK 317, PAGE 824, COLE COUNTY RECORDER'S OFFICE, ON THE FOLLOWING COURSES AND DISTANCES: SOUTH 29 DEGREES 40 MINUTES 52 SECONDS WEST, 20.03 FEET; THENCE NORTH 63 DEGREES 14 MINUTES 03 SECONDS WEST, 244.03 FEET; THENCE NORTH 84 DEGREES 15 MINUTES 11 SECONDS WEST, 53.69 FEET TO THE QUARTER QUARTER SECTION LINE; THENCE NORTH 5 DEGREES 48 MINUTES 58 SECONDS WEST ALONG THE QUARTER QUARTER SECTION LINE AND THE WESTERLY LINE OF SAID TRACT DESCRIBED ABOVE, FOR A DISTANCE OF 36.96 FEET TO THE POINT OF BEGINNING. First American Title Insurance Company This policv valid only if Schedule B is attached � b! ,j OWNER'S POLICY SCHEDULE B Policy Number. OP 5310646 This policy does not insure against loss or damage by reason of the following exceptions: STANDARD EXCEPTIONS (a.)Rights or claims of parties in possession not shown by the public records. (b.) Easements, or claims of easements, not shown by the public records. (c.) Encroachments, overlaps, boundary line disputes, or other matters which would be disclosed by an accurate survey or inspection of the premises. (d.) Any lien, or right to a lien, for services, labor, or material hereto or hereafter furnished, imposed by law and not shown by the public records. (e.) Taxes or special assessments which are not shown as existing liens by the public records. SPECIAL EXCEPTIONS 1. TAXES FOR THE YEAR 1995 AND SUBSEQUENT YEARS, NONE NOW DUE AND PAYABLE. 2. PUBLIC WATER SUPPLY DISTRICT NO. ONE, IN BOOK 191, PAGE 131. (NO ASSESSMENTS APPEAR OF RECORD AS BEING DUE OR PAYABLE IN THE REAL ESTATE RECORDS OF COLE COUNTY.) 3. ANY AND ALL JUDGMENTS AGAINST THE INSURED. First American Title Insurance Company This policv valid only U Schedule A is attached