HomeMy Public PortalAbout08-0162 Powers kl I t*
CITY OF TYBEE ISLAND
BUILDING PERMIT
DATE ISSUED: 0441-2008
CORRECTED ADDRESS ON 09/26/08 FROM PERMIT#: 080162
1317 CHATHAM AVE TO 1312 VENETIAN
WORK DESCRIPTION MAJOR ADDITION
WORK LOCATION 1312 VENETIAN
OWNER NAME GEORGE POWERS
ADDRESS PO BOX 193
CITY,ST,ZIP SAVANNAH GA 31402-0193
PHONE NUMBER
CONTRACTOR NAME CATSKILL BUILDERS,INC.
ADDRESS 210 CATALINA DR.
CITY STATE ZIP TYBEE ISLAND GA 31328
FLOOD ZONE
BUILDING VALUATION
SQUARE FOOTAGE 908
OCCUPANCY TYPE P
TOTAL FEES CHARGED $1,109.00
PROPERTY IDENTIFICATION#
PROJECT VALUATION $80,058.00
TOTAL BALANCE DUE: $ 0.00
It is understood that if this permit is granted the builder will at all times comply with the zoning,subdivision,flood control,building,fire,
soil and sedimentation,wetlands,marshlands protection and shore protection ordinances and codes whether local,state or federal,including
all environmental laws and regulations when applicable,subsequent owners should be informed that any alterations to the property must be
approved by the issuance of another building permit. Permit holder agrees to hold the City of Tybee Island harmless on any construction
covered by this permit.
This permit must be posted in a conspicuous location in the front of building and protected from the weather. If this permit is not posted
work will be stopped. The building contractor will replace curb paving and gutter broken during construction. This permit will be voided
unless work has begun within six months of the date of issuance.
Signature of Building Inspector or Authorized Agent: i,,-
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P.0.Box 2749-403 Butler Avenue,Tybee Island,Georgia 31328
(912)786-4573-FAX(912)786-9539
www.cityoftybee.org
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403 Butler Ave.
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Phone; (512) 7R6-4573 ext. 114
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Inspection Report
City of Tybee Island
403 Butler Ave.
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Phone: (912) 786-4573 ext. 1.14
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********K****** -COMM. :NAL- ***************k*** DATE SEP-26-201 KKK** TIME 13:21 ** ****
MODE = MEMORY TRANSMISSION START=SEP-26 13:19 END=SEP-26 13:21
FILE NO.=869
STN COMM. ONE-TOUCH/ STATION NAME/EMAIL ADDRESS/TELEPHONE NO PAGES DURATION
NO. ABBR NO.
001 OK s 3062646 001/001 00:01:04
-CITY OF TYBEE ISL. -
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Type of Release: Temporary _Permanent Subd Name:_ ___
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Type of Release: Temporary Permanent Subd Name:_� _�
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RELEASES FOR ELECTRIC SERVICE FROM TYBEE ISLAND
FOR SAVANNAH ELECTRIC.FAX TO: Lynn Brennan 937 Phone 9124 -11F5IPS3'
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Type of Release: Temporary Permanent Subd Name:
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*************** —COMM. NAL— ******************* DATE SEP-26-206 is*** TIME 12:20 ********
MODE = MEMORY TRANSMISSION START=SEP-26 12:18 END=SEP-26 12:20
FILE NO.=868
STN COMM. ONE—TOUCH/ STATION NAME/EMAIL ADDRESS/TELEPHONE NO. PAGES DURATION
NO. ABBR NO.
001 OK a 3062646 001/001 00:01:04
—CITY OF TYBEE ISL. —
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City et Tybee Island
403 Butler Ave.
P.O. Box 2749
Tybee Island, GA 31328
Phone: (912) 786-4573 ext. 114
Fax: (912) 786-9539
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403 Butler Ave.
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Tybee GA 31328
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City of Tybee Island
403 Butler Ave.
PO. Box 2749
Tvbee Is!ant... GA 31328
Phone: (912) 786-4573 ext. 114
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Inspection Report
City of Tybee Island
403 Butler Ave.
P.O. Box 2749
Tybee Island, GA 31328
Phone: (912) 786-4573 ext. 114
Fax: (912) 786-9539
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City of Tybee Island
403 Butler Ave.
PAD. Box 2749
Tybee Island, GA 31328
Phone: (912) 786-4573 ext. 114
Fax: (912) 786-9539
Permit i4o, - UH2 Date Requested Q1 _01-0
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City of Tybee Island
403 Butler Ave.
Box 2749
Tybee is:aad, GA 31328
(912) 7805-4.573 ext. 114
Fax: (912) 786-9539
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inspection Report
City of Tybee Island
403 Butler Ave.
P.O. Box 2749
Tybee Island, GA 31328
Phone: (912) 785-4573 ext.. 114
Fax: (912) 786-9539
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CITY OF TYBEE ISLAND
BUILDING PERMIT
DATE ISSUED: 04-11-2008 PERMIT#: 080162
WORK DESCRIPTION MAJOR ADDITION
WORK LOCATION 131 HAM t3(2. ,.Sr%°�
`
OWNER NAME GEORGE POWERS
ADDRESS PO BOX 544
CITY,ST,ZIP TYBEE ISLAND GA 31328
PHONE NUMBER
CONTRACTOR NAME CATSKILL BUILDERS,INC.
ADDRESS 210 CATALINA DR.
CITY STATE ZIP TYBEE ISLAND GA 31328
FLOOD ZONE
BUILDING VALUATION
SQUARE FOOTAGE 908
OCCUPANCY TYPE P
TOTAL FEES CHARGED $1,109.00
PROPERTY IDENTIFICATION#
PROJECT VALUATION $80,058.00
TOTAL BALANCE DUE: $1,109.00
It is understood that if this permit is granted the builder will at all times comply with the zoning,subdivision,flood control,building,fire,
soil and sedimentation,wetlands,marshlands protection and shore protection ordinances and codes whether local,state or federal,including
all environmental laws and regulations when applicable,subsequent owners should be informed that any alterations to the property must be
approved by the issuance of another building permit. Permit holder agrees to hold the City of Tybee Island harmless on any construction
covered by this permit.
This permit must be posted in a conspicuous location in the front of building and protected from the weather. If this permit is not posted
work will be stopped. The building contractor will replace curb paving and gutter broken during construction. This permit will be voided
unless work has begun within six months of the date of issuance.
Signature of Building Inspector or Authorized Agent: Aj._AA ' `4 '
P.O.Box 2749-403 Butler Avenue,Tybee Island,Georgia 31328
(912)786-4573-FAX(912)786-5737
www.cityoftybee.org
CITY OF TYBEE ISLAND, GEORGIA
APPLICATION FOR BUILDING PERMIT
o�- D (02_ .' RECEIVED
C t �
Location: PIN
ADDRESS TELEPHONE
Owner
Architect
or Engineer
Building ,
Contractor
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(Check all that apply)
• Repair ❑ Residential ❑ Footprint Changes
• Renovation ❑ Single Family ❑ Discovery
Minor Addition ❑ Duplex ❑'' Demolition
❑ Substantial Addition ❑ Multi-Family
n Other ❑ Commercial
Details of Project:
Estimated Cost of Construction: $ t 6v;c41) � S'D ()SS.S()SS.�
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Construction Type (Enter appropriate number)
(1) Wood Frame (4) Masonry (6) Other(please specify)
(2) Wood &Masonry (5) Steel &Masonry
(3) Brick Veneer
Proposed use:
Remarks:
ATTACH A COPY OF THE CERTIFIED ELEVATION SURVEY OF LOT and complete the
following information based on the construction drawings and site plan:
#Units #Bedrooms #Bathrooms
Lot Area Living space (total sq. ft.)
# Off-street parking spaces -
Trees located &listed on site plan
Access:
Driveway (ft.) With culvert? With swale?
Setbacks: Front Rear Sides (L) (R)
# Stories Height Vertical distance measured from the average adjacent
grade of the building to the extreme high point of the building, exclusive of chimneys, heating
units, ventilation ducts, air conditioning units, elevators, and similar appurtances.
During construction:
On-site restroom facilities will be provided through
On-site waste and debris containers will be provided by
Construction debris will be disposed by by means of
I understand that I must comply with zoning, flood damage control,building, fire, shore
protections and wetlands ordinances, FEMA regulations and all applicable codes and regulations.
I understand that the lot must be staked out and that the stakes will be inspected to ensure that the
setback requirements are met. I understand also that a certified plot plan showing elevation must
be attached to this application and that an as-built elevation certification is due as soon as the
habitable floor level is established. Drainage: I realize that I must ensure the adequacy of
drainage of this property so that surrounding property is in no way adversely affected. I accept
responsibility for any corrective action that may be necessary to restore drainage impaired by this
permitted construction.
Date: ( - Signature of Applicant:
Note: A permit normally takes 7 to 10 days to process.
The following is to be completed by City personnel:
Zoning certification NFIP Flood Zone
Approved rezoning/variance?
Street address and number: New Existing
Is it in compliance with City map?
If not, has street name and/or number been reported to MPC?
FEMA Certification attached
State Energy Code Affidavit attached
Utilities and Public Works:
Describe any unusual finding(s)
Access to building site
Distance to water main tap site
Distance to sewer stub site
Water meter size
Storm drainage
Approvals: Signature Date FEES,
Zoning Administrator 1ermit 1+1�., : --
Code Enforcement Officer ��__ —�--o Inspections-,240e.3.3-v.—
Water/Sewer I Water Tap
Storm/Drainage Sewer Stub , ,
Inspections !��r Aid to Const. Lis'. ---
City Manager L
q0& x • 50 = 64 TOTAL L. CI
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Catskill Builders Estimate
210 Catalina Dr.
PO Box 944 Date Estimate#
Tybee Island, GA 31328 2/18/2008 2007052
Name/Address RECEIVED�
George Powers
1312 Venetian Drive c:11-1-1 0'OS'
Tybee Island,GA 31328
Item Description Qty Rate Total
1 Permit 0.00 0.00
2 Demolition 3,500.00 3,500.00
3 Dumpster Fees 960.00 960.00
4 Poly Jon 300.00 300.00
5 Concrete Work 3,360.00 3,360.00
6 Steel Rods&Bolts 878.00 878.00
7 Framing Materials 7,581.80 7,581.80
8 Framing Labors 9,500.00 9,500.00
9 Windows&Doors 2,704.68 2,704.68
10 Insulation 2,866.00 2,866.00
11 Drywall 5,000.00 5,000.00
12 Cabinets&Countertops 5,547.90 5,547.90
13 Flooring 4,200.00 4,200.00
14 HVAC 5,202.40 5,202.40
15 Plumbing 4,519.00 4,519.00
16 Electrical 6,850.00 6,850,00
17 Roofing 2,678.00 2,678.00
18 Siding 3,860.00 3,860.00
19 Trimwork(Materials&Labor) 3,200.00 3,200.00
20 Fireplace 1,350.00 1,350.00
21 Painting 6,000.00 6,000.00
Total $80,057.78
Signature
i
'I Chatham County Board of Assessors Page 1 of 3
!4-0011-03-005 Property Record Card Published on
6/15/2007
10:30:20 AM
Information Only-Not an Official Document-Tax Year 2007
•
LT 363+W 1/2 362 LTS 363 A+W PT 362A WD 4 TYBEE POWERS ELLEN H PO BOX 544 TYBEE ISLAND GA ADD CHG LTR 7-13-99 SSB
* 31328-0544
1312 VENETIAN DR
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Style ONE STORY UAAMAA27AAMAAAAJ,
Building Use SINGLE FAML 8 SPO(216) 8 Land Value 499,000 ■
3 3 I
CONC fT AA
AA15AAAAA AA
AAAA27AAAAA
AAA9AAAAABAA 9
Exterior Wall BLOCK Bldg Value 54,500
3 10SWP(80) Total Value 562,500
j Roof Type HIP 3 3
I 23 AA8AAU Cost-Market
ASPHALT 3 3 Value by
Roof Cover Adj.
SHG 3 BAS(1320) 30
Heating HEAT PUMP 3 3 r —
j Interior SHEET ROCK drip 30 . 3 !Effective Area 1,320 1
MODERATE 3 SP0 1119) 7 3 Points 0.0000
Foundation 3
CL
AAAAI7AAAP.AAAAAA2TAAAAAAU Bldg Rate 54.35
Floor Cover ALLOWANCE! RCN 71,740
j Sub Floor CONCRTE %Depreciation 0.2400
SLA OBSOL 0.0000
Fixtures 8 FIXTURES
Ii •-EA FLAT EFF% E/AREA ACT% A/AREA EA/AA HEATED 1 Building Value 54,520
Rough Ins 1 ROUGH IN
Bedrooms 3 BAS 1320 1.00 1320 1.00 1320 1320 1320
Bathrooms 2 SP0 335 1.00 335 1.00 335 335 r Book Page Date QS Sales Price
SWP 80 1.00 80 1.00 80 80 I 0391 UO 104,200
Quality AVERAGE
0285 QO 86,500
Actual Year Built 0000 �`
'Effective YrBuilt 1980 BAS(L27SPO(U8R27D8L27)L15D23R30SP0(D7L17U7R17)D7R21U30 is
SWP(R8D1OL8U10)L0) 1 Permit No Type Date Amount
;Normal Deprec. 60-YEAR LIF -- —
1 Functional Obs. 000000 j SB Sharon
Economic Obs. 000000 1 Appraiser Brooks
CURRENT l L.Insp Date 03/25/04
'Cost Multiplier COS
Use Code 0006
,Loc.Multiplier MASONRY RESIDENTIAL
Obsvd Cond 000000 1 20222.00 T222
`, NBHD TYBEE
r L100 M100
j B100
I.
History Values
Tax Year Appraised
1
I Value
. 2006 431,500
i, 2005 395,000
2004 293,000
1MISC BLDG CODE DESC LENGTH WIDTH UNITS ADJ PRICE EYB DT PCT ADJUSTMENT VALUE
1 1 RSPOA Roof Scr Por/Sla 17.00 119.00 21.40 1980 6R 24.01 1.00 1,940
12 1 SWPOA Solid Wall/Slab 8.04 f 10.00 80.00 31.62 1980 6R 24.00 1.00 1,920
13 1 2DOCKLP 2"Pecking /w pos 49.00 6.00 294.00 23.55 1980 2R 80.00 1.00 1,390
14 1 RSPOA Roof Scr Por/Sla 8.00 27.00 216.00 18.40 1980 2R 80.00 1.00 800
5 1 2000KLP 2"Decking /w pos 10.00 35.00 350.00 23.55 1980 2R 80.00 1.00 1,650
16 1 2FDOCKLP 2"FLoating/w pos 12.00 16.00 192.00 22.88 1980 2R 80.00 1.00 880
LAND LUSE DESC ZONING UNITS TP PRICE ADJUSTMENT CODE/FACTOR VALUE
gl 0119 Marsh View R2 4500.00 S 52.00 V 1.50 .00 .00 .00 351,000
12 0119 Marsh View R2 3000.00 S 52.00 SZ .50 .00 .00 .00 78,000
3 0119 Marsh View R2 1.00 G 70000.00 .00 .00 .00 .00 70,000
IS 7500.00 G 1.00
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U.S.DEPARTMENT OF HOMELAND SECURITY ELEVATION CERTIFICATE OMB No. 1660-0008
Expires February 28, 2009
Federal Emergency Management Agency
National Flood Insurance Program Important: Read the instructions on pages 1-8.
SECTION A-PROPERTY INFORMATION For Insurance Company Use:
Al. Building Owner's Name Catskill Builders Policy Number
A2. Building Street Address(including Apt.,Unit,Suite,and/or Bldg. No.)or P.O.Route and Box No. Company NAIC Number
1312 Venetian Drive
City Tybee Islaand, State GA ZIP Code 31328
A3. Property Description(Lot and Block Numbers,Tax Parcel Number,Legal Description,etc.)
Lot 363&a portion of lot 362,ward no.4
A4. Building Use(e.g., Residential,Non-Residential,Addition,Accessory, etc.) residential
A5. Latitude/Longitude:Lat. N 31 deg 59.859 min Long.W 80.51.225 min Horizontal Datum: ❑ NAD 1927 0 NAD 1983
A6. Attach at least 2 photographs of the building if the Certificate is being used to obtain flood insurance.
A7. Building Diagram Number 1
A8. For a building with a crawl space or enclosure(s),provide A9. For a building with an attached garage,provide:
a) Square footage of crawl space or enclosure(s) Na sq ft a) Square footage of attached garage n/a sq ft
b) No.of permanent flood openings in the crawl space or b) No.of permanent flood openings in the attached garage
enclosure(s)walls within 1.0 foot above adjacent grade Q walls within 1.0 foot above adjacent grade
c) Total net area of flood openings in A8,b sq in c) Total net area of flood openings in A9.b sq in
SECTION B-FLOOD INSURANCE RATE MAP(FIRM) INFORMATION
B1.NFIP Community Name&Community Number B2.County Name B3.State
Tybee Island 135164 Chatham GA
B4.Map/Panel Number B5.Suffix B6.FIRM Index B7.FIRM Panel B8.Flood B9. Base Flood Elevation(s)(Zone
Date Effective/Revised Date Zone(s) AO,use base flood depth)
135164 0002 c 6/17/86 6/17/86 A8 13
BI0_ Indicate the source of the Base Flood Elevation(BFE)data or base flood depth entered in Item B9.
❑FIS Profile 0 FIRM ❑Community Determined ❑Other(Describe)
B11. Indicate elevation datum used for BFE in Item B9: 0 NGVD 1929 ❑NAVD 1988 ❑Other(Describe)
B12. Is the building located in a Coastal Barrier Resources System(CBRS)area or Otherwise Protected Area(OPA)? ❑Yes 0 No
Designation Date ❑CBRS ❑OPA
SECTION C-BUILDING ELEVATION INFORMATION(SURVEY REQUIRED)
Cl. Building elevations are based on: ❑Construction Drawings* ❑Building Under Construction* :4 Finished Construction
*A new Elevation Certificate will be required when construction of the building is complete.
C2. Elevations-Zones A1-A30,AE,AH,A(with BFE),VE,V1-V30,V(with BFE),Ak,AR/A,AR/AE,AR/A1-A30,AR/AH,AR/AO. Complete Items C2.a-g
below according to the building diagram specified in Item A7.
Benchmark Utilized lat Vertical Datum NGVD 1929
Conversion/Comments
Check the measurement used.
a) Top of bottom floor(including basement,crawl space,or enclosure floor)_ 8.7 0 feet ❑meters(Puerto Rico only)
b) Top of the next higher floor Q.Q ►. feet ❑meters(Puerto Rico only)
c) Bottom of the lowest horizontal structural member(V Zones only) n/a. ► feet ❑meters(Puerto Rico only)
d) Attached garage(top of slab) nja. feet ❑meters(Puerto Rico only)
e) Lowest elevation of machinery or equipment servicing the building 8.5 ►_+ feet ❑meters(Puerto Rico only)
(Describe type of equipment in Comments)
f) Lowest adjacent(finished)grade(LAG) 8.1 feet ❑meters(Puerto Rico only)
g) Highest adjacent(finished)grade(HAG) 8.4 0 feet ❑meters(Puerto Rico only)
SECTION D- URVEYOR, ENGINEER,OR ARCHITECT CERTIFICATION
This certification is to be signed and sealed by a land surveyor,engineer, or architect authorized by law to certify elevation
information. I certify that the information on this Certificate represents my best efforts to interpret the data available.
I understand that any false statement maybe punishable by fine or imprisonment under 18 U.S. Code,Section 1001. .
Css,O
0 Check here if comments are provided on back of form.
* 4 'c,-
Certifier's Name J.Whitley Reynolds License Number 2249 Q
No 2249
Title Land Surveyor Company Name J.Whitley Reynolds,Land Surveying Oa
Address 636 St-= 1-nson Ave.,Suite C City Savannah, State GA ZIP Code 31405 b SURF w`�
Signatur- Date 3/15/x7 Telephone 912-352-0464 447T.LE1
Building Photographs
See Instructions for Item A6.
For Insurance Company Use:
Building Street Address(induding Apt., Unit, Suite, and/or Bldg. No.)or P.O. Route and Box No. Policy Number
1312 Venetian Drive
City Tybee Island, State GA ZIP Code 31327 CompanyNAlCNumber
If using the Elevation Certificate to obtain NFIP flood insurance, affix at least two building photographs below according to
the instructions for Item A6. Identify all photographs with: date taken; "Front View" and "Rear View"; and, if required, "Right
Side View" and "Left Side View." If submitting more photographs than will fit on this page, use the Continuation Page,
following.
Front View March 15, 2007
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Building Photographs
Continuation Page
For Insurance Company Use:
Building Street Address(including Apt., Unit,Suite,and/or Bldg. No.)or P.O. Route and Box No. Policy Number
1312 Venetian Drive
City Tybee Island, State GA ZIP Code 31328 Company NAIC Number
If submitting more photographs than will fit on the preceding page, affix the additional photographs below. Identify all
photographs with: date taken; "Front View" and "Rear View"; and, if required, "Right Side View" and"Left Side View."
Back View March 15, 2007
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LOT 330 LOT 331
PLAT OF LOT 363 8c THE WESTERN 25'
OF LOT 362, WARD NO. 4, TYBEE ISLAND,
CHATHAM COUNTY, GEORGIA
STREET ADDRESS: 1312 VENETIAN DRIVE
I FOR: CATSKILL BUILDERS I
REFERENCE: PRB T 118
ACCORDING TO THE F.I.R.M. DATED EQUIPMENT:
6/17/86 THIS LOT IS WITHIN FLOOD TOPCON AP-L1A
ZONE AB, BFE 13. ERROR OF CLOSURE:
clsORG . LINEAR: 1/-
ZSTE ANG: -"/ANGTF,
c�,Cs R�'d * BALI ANCED BY: -
J. ,' O�5 • •T: 1/ 112,000
LAND SURVEYOR A' •. 2 -9 0 20
636 STEPHENSON AVENUE - a I I I
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SUITE C 4' sURV/ ' SCALE: 1" = 20'
SAVANNAH, GEORGIA 31405 DATE: MARCH 8, 2007 SURVEY
,�$ITLE� g
TELEPHONE: 912-352-0464 DATE: MARCH 15, 2007 PLAT
FAX: 912-352-7787 / t IV O/ FILE NO. 07-32
r
File No.M97727111 Page#1
FROM: INVOICE
WILLIAMS,MAXHEIMER,&ASSOCIATES LLC INVOICE NUMBER
POST OFFICE BOX 6577 M9772711
SAVANNAH,GA 31414 DATE
12/21/2007
Telephone Number: 912-355-1096 Fax Number: 912-692-1508
REFERENCE
TO: Internal Order#:
M9772711
Lender Case#:
CATSKILL BUILDERS Client File#:
210 CATALINA DRIVE
Main File#on form: M9772711
TYBEE ISLAND,GA 31328
Other File#on form:
Telephone Number: Fax Number: Federal Tax ID: 57-1144802
Alternate Number: E-Mail: Employer ID:
DESCRIPTION
Lender: CATSKILL BUILDERS Client: CATSKILL BUILDERS
Purchaser/Borrower: N/A
Property Address: 1312 VENETIAN DRIVE
City: TYBEE ISLAND
County: CHATHAM State: GA Zip: 31328
Legal Description: LT 363+W 1/2 362 LTS 363A+W PT 362A WD 4 TYBEE
FEES AMOUNT
1004 Full/URAR 325.00
SUBTOTAL 325.00
PAYMENTS AMOUNT
Check#: Date: Description:
Check#: Date: Description:
Check#: Date: Description:
SUBTOTAL
TOTAL DUE $ 325.00
Form NIV5—"WinTOTAL"appraisal software by a la mode,inc.—1-800-ALAMODE
Williams,Maxheimer&Associates,LLC
File No.M97727111 Page#2
WILLIAMS,MAXHEIMER&ASSOCIATES
POST OFFICE BOX 6577
SAVANNAH,GEORGIA 31414
CATSKILL BUILDERS
210 CATALINA DRIVE
TYBEE ISLAND,GA 31328
Re: Property: 1312 VENETIAN DRIVE
TYBEE ISLAND,GA 31328
Borrower: N/A
File No.: M9772711
In accordance with your request,we have appraised the above referenced property. The report of that appraisal is attached.
The purpose of this appraisal is to estimate the market value of the property described in this appraisal report,as improved,in
unencumbered fee simple title of ownership.
This report is based on a physical analysis of the site and improvements,a locational analysis of the neighborhood and city,and an
economic analysis of the market for properties such as the subject. The appraisal was developed and the report was prepared in
accordance with the Uniform Standards of Professional Appraisal Practice.
The value conclusions reported are as of the effective date stated in the body of the report and contingent upon the certification and
limiting conditions attached.
It has been a pleasure to assist you. Please do not hesitate to contact me or any of my staff if we can be of additional service to you.
Sincerely,
■-_
1*..11 AS-B-MAXHETMEFt—
Williams,Maxheimer&Associates,LLC File No.M9772711 I Page#3
Uniform Residential Appraisal Report File# M9772711
The purpose of this summary appraisal report is to provide the lender/client with an accurate, and adequately supported, opinion of the market value of the subject property.
Property Address 1312 VENETIAN DRIVE City TYBEE ISLAND State GA Zip Code 31328
Borrower N/A Owner of Public Record ELLEN H.POWERS County CHATHAM
Legal Description LT 363+W 1/2 362 LTS 363A+W PT 362A WD 4 TYBEE
Assessor's Parcel# 4-11-3-5 Tax Year 2007 R.E.Taxes$ 9,263/EST
F- Neighborhood Name TYBEE ISLAND Map Reference 50 Census Tract 0111.03
Occupant ❑ Owner Z Tenant ❑ Vacant Special Assessments$ o.00 ❑ PUD HOA$ N/A ❑ per year ❑ per month
S Property Rights Appraised ® Fee Simple ❑ Leasehold ❑ Other(describe)
(1) Assignment Type ❑ Purchase Transaction ❑ Refinance Transaction ® Other(describe) ESTIMATE FAIR MARKET VALUE
Lender/Client CATSKILL BUILDERS Address 210 CATALINA DRIVE,TYBEE ISLAND,GA 31328
Is the subject property currently offered for sale or has it been offered for sale in the twelve months prior to the effective date of this appraisal? ❑ Yes Z No
Report data source(s)used,offering price(s),and date(s). SUBJECT PROPERTY IS BEING SOLD TO A FAMILY MEMBER AS WAS NOT LISTED IN THE MLS.
I ❑ did ❑ did not analyze the contract for sale for the subject purchase transaction.Explain the results of the analysis of the contract for sale or why the analysis was not
performed. NOT A SALE.
I-
U
*g Contract Price$ N/A Date of Contract N/A Is the property seller the owner of public record? ❑Yes ❑No Data Source(s) N/A
z Is there any financial assistance(loan charges,sale concessions,gift or downpayment assistance,etc.)to be paid by any party on behalf of the borrower? ❑ Yes ❑ No
If Yes,report the total dollar amount and describe the items to be paid. N/A
Note:Race and the racial composition of the neighborhood are not appraisal factors.
Neighborhood Characteristics One-Unit Housing Trends One-Unit Housing Present Land Use%
Location ❑ Urban XI Suburban ❑ Rural Property Values ❑ Increasing X Stable ❑ Declining PRICE AGE One-Unit 65%
Built-Up Z Over 75% ❑ 25-75% ❑ Under 25% Demand/Supply ❑ Shortage X In Balance ❑ Over Supply $(000) (yrs) 2-4 Unit 15
o Growth ❑ Rapid a Stable ❑ Slow Marketing Time ❑ Under 3 mths X 3-6 mths ❑ Over 6 mths 225 Low NEW Multi-Family %
a Neighborhood Boundaries TYBEE IS BORDERED ON THE NORTH BY THE SAVANNAH RIVER;TO THE EAST 3 MIL High too Commercial 15%
m BY THE ATLANTIC OCEAN;TO THE SOUTH BY TYBEE CREEK;AND TO THE WEST BY CHIMNEY CREEK. 450 Pred. 35 Other 5%
Neighborhood Description THE SUBJECT PROPERTY IS LOCATED ON TYBEE ISLAND,THE FURTHEST ISLAND OF CHATHAM COUNTY'S MARKETING
Z AREA.TYBEE ISLAND IS A 20 MINUTE DRIVE FROM DOWNTOWN SAVANNAH VIA U.S.HWY 80.SCHOOLS AND SHOPPING ARE LOCATED CLOSER ON
WILMINGTON ISLAND.EMPLOYMENT CENTERS AND RECREATIONAL FACILITIES ARE ALSO NEARBY.
Market Conditions(including support for the above conclusions) NO ABNORMAL MARKETING CONDITIONS EXIST IN THE AREA.THE DEMAND FOR HOUSING IN
THE AREA IS GOOD.NO UNUSUAL CONCESSIONS APPEAR TO BE NECESSARY.
Dimensions SEE ATTACHED TAX MAP Area 7,405 SF+/- Shape RECTANGULAR View MARSH/CREEK
Specific Zoning Classification R-2 Zoning Description SINGLE FAMILY RESIDENTIAL
Zoning Compliance ® Legal ❑ Legal Nonconforming(Grandfathered Use) ❑ No Zoning ❑ Illegal(describe)
Is the highest and best use of subject property as improved(or as proposed per plans and specifications)the present use? Yes ❑ No If No,describe NONE
Utilities Public Other(describe) Public Other(describe) Off-site Improvements-Type Public Private
Electricity Z ❑ Water ❑ Street ASPHALT ❑
5 Gas ❑ ❑ Sanitary Sewer ❑ Alley NONE ❑ ❑
FEMA Special Flood Hazard Area ® Yes ❑ No FEMA Flood Zone A8 FEMA Map# 1351640001 C FEMA Map Date 6/17/1986
Are the utilities and off-site improvements typical for the market area? Z Yes ❑ No If No,describe
Are there any adverse site conditions or external factors(easements,encroachments,environmental conditions,land uses,etc.)? ❑Yes ® No If Yes,describe
NO APPARENT ADVERSE EASEMENTS OR ENCROACHMENTS WERE NOTED THAT SHOULD AFFECT MARKET VALUE.SUBJECT IS IDENTIFIED AS
BEING IN THE FLOOD HAZARD AREA.SITE IS TYPICAL OF THIS AREA.
General Description foundation Exterior Description materials/condition interior materials/condition
Units ® One ❑ One with Accessory Unit ® Concrete Slab ❑Crawl Space Foundation Walls CONCRETE SLAB Floors CPT,VIN/AVG
#of Stories 1 ❑ Full Basement ❑ Partial Basement Exterior Walls ASB SIDING&BLOCK Walls PAN,DRY/AVG
Type ® Det. ❑ Att. ❑ S-Det./End Unit Basement Area NONE sq.ft. Roof Surface SHINGLES Trim/Finish WOOD/AVG
® Existing ❑ Proposed ❑ Under Const. Basement Finish N/A % Gutters&Downspouts GUTTERS Bath Floor CER,VIN/AVG
Design(Style) 1-STORY/AVG ❑ Outside Entry/Exit ❑ Sump Pump Window Type METAL S/H Bath Wainscot CER,FIB/AVG
Year Built 1960 Evidence of ❑ Infestation None Noted Storm Sash/Insulated NONE Car Storage None
Effective Age(Yrs) 15 ❑ Dampness ❑ Settlement Screens NONE 'X Driveway #of Cars ADEQ
Attic Li None Heating Z FWA ❑ HWBB Li Radiant Amenities ❑Woodstove(s)# Driveway Surface CONCRETE
Drop Stair ❑ Stairs ❑ Other Fuel ELEC ❑ Fireplace(s)# El Fence ❑ Garage #of Cars
❑ Floor ❑Scuttle Cooling Z Central Air Conditioning ❑ Patio/Deck X Porch SCRENTR ❑ Carport #of Cars
co ❑ Finished ❑ Heated ❑ Individual ❑ Other I❑ Pool ❑ Other ❑Att. ❑ Det. ❑Built-in
Appliances ❑ Refrigerator X Range/Oven Z Dishwasher ❑ Disposal ❑ Microwave ❑ Washer/Dryer Other(describe) FAN HOOD
• Finished area above grade contains: 7 Rooms 3 Bedrooms 2 Bath(s) 1,685 Square Feet of Gross Living Area Above Grade
Additional features(special energy efficient items,etc.). FEATURES INCLUDE SCREENED ENTRY PORCH,THREE BEDROOMS,TWO FULL BATHS,MARSH/TIDAL
a-• CREEK VIEW,DOCK&FLOATING DOCK.
• Describe the condition of the property(including needed repairs,deterioration,renovations,remodeling,etc.). A 25%THE SUBJECT IS EXISTING CONSTRUCTION
AND IS IN OVERALL AVERAGE CONDITION.
Are there any physical deficiencies or adverse conditions that affect the livability,soundness,or structural integrity of the property? ❑ Yes X No If Yes,describe
Does the property generally conform to the neighborhood(functional utility,style,condition,use,construction,etc.)? L Yes ❑ No If No,describe
Freddie Mac Form 70 March 2005 Page 1 of 6 Fannie Mae Form 1004 March 2005
Form 1004—"WinTOTAL"appraisal software by a la mode,inc.—1-800-ALAMODE
File No.M97727111 Page#4
Uniform Residential Appraisal Report File# M9772711
There are 75+/- comparable properties currently offered for sale in the subject neighborhood ranging in price from $ 225,000 to$ 995,000 .
There are 20+1- comparable sales in the subject neighborhood within the past twelve months ranging in sale price from $ 285,000 to$ 786,000 .
FEATURE SUBJECT COMPARABLE SALE#1 COMPARABLE SALE#2 COMPARABLE SALE#3
Address 1312 VENETIAN DRIVE 1510 5TH AVENUE 1406 5TH AVENUE 1307 JONES AVENUE
TYBEE ISLAND,GA 313.28 TYBEE ISLAND TYBEE ISLAND TYBEE ISLAND
Proximity to Subject 0.24 miles SE 0.15 miles SE 0.22 miles SE
Sale Price $ N/A $ 530,250 $ 369,500 �$ 353,000
Sale Price/Gross Liv.Area $ sq.ft. $ 473.44 sq.ft. $ 236.71 sq.ft. $ 281.05 sq.ft.1
Data Source(s) LENDER/APPRAISER DATA LENDER/APPRAISER DATA LENDER/APPRAISER DATA
Verification Source(s) _ MLS/PUBLIC RECORDS MLS/PUBLIC RECORDS MLS/PUBLIC RECORDS
VALUE ADJUSTMENTS DESCRIPTION DESCRIPTION +(-)$Adjustment DESCRIPTION +(-)$Adjustment DESCRIPTION +(-)$Adjustment
Sales or Financing CONVENTIONAL CONVENTIONAL CONVENTIONAL
Concessions LOAN LOAN LOAN
Date of Sale/Time 03/26/2007 07/26/2007 04/30/2007
Location TYBEE ISLAND TYBEE ISLAND TYBEE ISLAND TYBEE ISLAND
Leasehold/Fee Simple FEE SIMPLE FEE SIMPLE FEE SIMPLE FEE SIMPLE
Site 7,405 SF/CREEK 7,700 SF/INT +200,000 5,881 SF/INT +200,000 5,830 SF/INT +200,000
View MARSH/CREEK SIMILAR PROPS SIMILAR PROPS SIMILAR PROPS
Design(Style) 1-STORY/AVG 1-STORY/AVG 1-STORY/AVG 1-STORY/AVG
Quality of Construction AVG/SID&BLK AVG/BLK&FRM AVG/BLOCK AVG/BLK&VIN
Actual Age 47 1954 1949 1940
Condition AVERAGE GOOD -53,000 AVERAGE AVERAGE
Above Grade Total Bdrms. Baths Total Bdrms. Baths Total Bdrms. Baths Total Bdrms. Baths
Room Count 7 3 2 5 2 1 +5,000 6 3 2 5 3 1 +5,000
Gross Living Area 1,685 sq.ft. 1,120 sq.ft. +14,125 1,561 sq.ft. +3,100 1,256 sq.ft. +10,725
Basement&Finished NONE NONE NONE NONE
Rooms Below Grade
= Functional Utility AVERAGE AVERAGE AVERAGE AVERAGE
a Heating/Cooling CENTRAL CENTRAL CENTRAL CENTRAL
0 Energy Efficient Items STANDARD STANDARD STANDARD STANDARD
P Garage/Carport OFF STREET OFF STREET 1-GARAGE -10,000 OFF STREET
4( Porch/Patio/Deck SCRND ENTRY COV'D ENTRY +2,000 COV'D ENTRY +2,000 COV'D ENTRY +2,000
O DOCK SCPRCH,DECK +20,000 FENCE,PATIO +25,000 SCPRCH,CVDPT +20,000
co
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o Net Adjustment(Total) N + ❑ - $ 188,125 N + ❑ - $ 220,100 ❑ + ❑ - $ 237,725
y Adjusted Sale Price Net Adj. 35.5 % Net Adj. 59.6 % Net Adj. 67.3 %
of Comparables Gross Adj. 55.5 % $ 718,375 Gross Adj. 65.0 % $ 589,600 Gross Adj. 67.3 % $ 590,725
co I ❑ did ❑ did not research the sale or transfer history of the subject property and comparable sales.If not,explain
My research ❑ did X did not reveal any prior sales or transfers of the subject property for the three years prior to the effective date of this appraisal.
Data Source(s) MLS/PUBLIC RECORD
My research ❑ did ® did not reveal any prior sales or transfers of the comparable sales for the year prior to the date of sale of the comparable sale.
Data Source(s) MLS/PUBLIC RECORD
Report the results of the research and analysis of the prior sale or transfer history of the subject property and comparable sales(report additional prior sales on page 3).
ITEM SUBJECT COMPARABLE SALE#1 COMPARABLE SALE#2 COMPARABLE SALE#3
Date of Prior Sale/Transfer NO SALE WITHIN NO SALE WITHIN NO SALE WITHIN NO SALE WITHIN
Price of Prior Sale/Transfer PRIOR THREE YEARS PRIOR YEAR PRIOR YEAR PRIOR YEAR
Data Source(s) PUBLIC RECORD PUBLIC RECORD PUBLIC RECORD PUBLIC RECORD
Effective Date of Data Source(s) CURRENT CURRENT CURRENT CURRENT
Analysis of prior sale or transfer history of the subject property and comparable sales SEE ABOVE.
Summary of Sales Comparison Approach ALL COMPARABLE SALES WERE TAKEN FROM THE SUBJECTS GENERAL AREA AND WERE CONSIDERED TO BE
MOST COMPATIBLE WITH THE SUBJECT PROPERTY. THEY GIVE A VALID INDICATION OF VALUE AFTER ADJUSTMENTS.ALL SALES WERE VERIFIED
CLOSED TRANSACTIONS.SEE ADDITIONAL COMPARABLES AND COMMENTS.
_Indicated Value by Sales Comparison Approach$ 675,000
Indicated Value by:Sales Comparison Approach$ 675,000 Cost Approach(if developed)$ 675,812 Income Approach(if developed)$
THE SALES COMPARISON APPROACH WAS GIVEN THE MOST WEIGHT ON ARRIVING AT THE VALUE AS IT BEST REPRESENTS THE ACTIONS OF
O BUYERS AND SELLERS IN THE MARKET PLACE.THE INCOME APPROACH IS INAPPLICABLE DUE TO THE LACK OF VERIFIABLE DATA.
P
a
zi This appraisal is made IX "as is", ❑ subject to completion per plans and specifications on the basis of a hypothetical condition that the improvements have been
z completed, r] subject to the following repairs or alterations on the basis of a hypothetical condition that the repairs or alterations have been completed, or ❑ subject to the
o following required inspection based on the extraordinary assumption that the condition or deficiency does not require alteration or repair: ASSUMES THAT ALL MECHANICAL
Ci
I SYSTEMS FUNCTION PROPERLY AND ALL STRUCTURAL MEMBERS WERE SOUND AT TIME OF INSPECTIONS WITH NO LATENT DEFECTS OR INFESTATIONS
Based on a complete visual inspection of the interior and exterior areas of the subject property, defined scope of work, statement of assumptions and limiting
conditions, and appraiser's certification, my (our) opinion of the market value, as defined, of the real property that is the subject of this report Is
$ 675,000 ,as of 12/21/2007 , which is the date of inspection and the effective date of this appraisal.
Freddie Mac Form 70 March 2005 Page 2 of 6 Fannie Mae Form 1004 March 2005
Form 1004-"WinTOTAL"appraisal software by a la mode,inc.-1-800-ALAMODE
File No.M97727111 Page#5
Uniform Residential Appraisal Report File# M9772711
EXPANDED"SCOPE OF WORK"COMMENTS(THE APPRAISER IS PERMITTED TO EXPAND THE"SCOPE OF WORK"FOR CLARIFICATION PURPOSES OF
WHICH THE FOLLOWING IS PROVIDED FOR SAID PURPOSES):A"COMPLETE VISUAL INSPECTION OF THE INTERIOR AND EXTERIOR AREAS OF THE
SUBJECT PROPERTY"WAS PERFORMED BY THE APPRAISER BASED ON CONDITIONS READILY OBSERVABLE EXCLUDING ALL HIDDEN OR
OBSTRUCTED AREAS AND NOT AS A PROFESSIONAL HOME INSPECTOR.THE TERM"COMPLETE"IS NOT AN ALL INCLUSIVE TERM RELATIVE TO THE
ENTIRE ATTIC AND,IF APPLICABLE,THE ENTIRE CRAWL SPACE AND OTHER NON-HABITABLE AREAS AS A COMPLETE DETAILED PHYSICAL
INSPECTION OF EVERY PART OF THE AFOREMENTIONED AREAS IS NOT A FUNCTION OF THE INSPECTION PROCESS RELATIVE TO RESIDENTIAL
APPRAISING BUT IS RELATIVE TO THE INSPECTION PROCESS BY A PROFESSIONAL HOME INSPECTOR.THE APPRAISER IS NOT A PROFESSIONAL
TERMITE OR WOOD DESTROYING ORGANISM INSPECTOR OR ENVIRONMENTAL INSPECTOR OR PROFESSIONAL MECHANICAL OR SYSTEMS
INSPECTOR OR PROFESSIONAL WELL AND SEPTIC SYSTEMS INSPECTOR. IMPROVEMENT RATINGS AND COMMENTS REGARDING IMPROVEMENTS,
SYSTEMS,EQUIPMENT AND REAL PROPERTY DO NOT REPRESENT ANY GUARANTEES AND/OR WARRANTIES EXPRESSED OR IMPLIED AS
GUARANTEES AND/OR WARRANTIES ARE NOT A PART OF THE SCOPE OF THIS APPRAISAL.IT 1S NOT A PART OF THE SCOPE OF THIS APPRAISAL FOR
THE APPRAISER TO PERFORM DUTIES RELATIVE TO THAT OF AN ATTORNEY-AT-LAW REGARDING ABSOLUTE VERIFICATION OF ALL LEGAL ASPECTS
PERTAINING TO THE SUBJECT PROPERTY,IT IS NOT A PART OF THE SCOPE OF THIS APPRAISAL FOR THE APPRAISER TO PERFORM DUTIES
RELATIVE TO THAT OF A PROFESSIONAL SURVEYOR REGARDING ABSOLUTE VERIFICATION OF ALL ASPECTS CONSIDERED AND DISCOVERIES MADE
BY A PROFESSIONAL SURVEYOR RELATED TO THE SITE AND IMPROVEMENTS OF THE SUBJECT PROPERTY.ATTEMPT OF DISCOVERY OF POTENTIAL
cl)F ADVERSE INFLUENCES AS A RESULT OF HUMAN BEHAVIOR IS NOT PART OF THE SCOPE OF WORK OF THIS APPRAISAL.
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COST APPROACH TO VALUE(not required by Fannie Mae)
Provide adequate information for the lender/client to replicate the below cost figures and calculations.
Support for the opinion of site value(summary of comparable land sales or other methods for estimating site value) THE SUBJECT'S ESTIMATED SITE VALUE IS BASED
ON AN ANALYSIS OF VACANT SITES IN THE SUBJECT'S MARKETING AREA.
ESTIMATED ❑ REPRODUCTION OR ® REPLACEMENT COST NEW OPINION OF SITE VALUE =$ 450,000
p Source of cost data MARSHALL AND SWIFT RESIDENTIAL COST HANDBOOK DWELLING 1,685 Sq.Ft.@$ 150.00 =$ 252,750
a Quality rating from cost service GOOD Effective date of cost data CURRENT NONE Sq.Ft.@$ =$
a Comments on Cost Approach(gross living area calculations,depreciation,etc.) APPL,SCPRCH,DOCKS,ETC. =$ 45,000
N MARSHALL AND SWIFT'S RESIDENTIALCOST HANDBOOK WAS USED AS Garage/Carport Sq.Ft.@$ =$
• THEDATA SOURCE FOR REPRODUCTIONCOST NEW INFORMATION. Total Estimate of Cost-New =$ 297,750
Less Physical Functional External
Depreciation 74,438 =$( 74,438)
Depreciated Cost of Improvements =$ 223,312
"As-is"Value of Site Improvements =$ 2,500
_Estimated Remaining Economic Life(HUD and VA only) 45 Years INDICATED VALUE BY COST APPROACH =$ 675,812
INCOME APPROACH TO VALUE(not required by Fannie Mae)
o Estimated Monthly Market Rent$ N/A X Gross Rent Multiplier N/A =$ Indicated Value by Income Approach
z Summary of Income Approach(including support for market rent and GRM)
_ PROJECT INFORMATION FOR PUDs(if applicable) __ __
Is the developer/builder in control of the Homeowners'Association(HOA)? ❑Yes ❑ No Unit type(s) ❑ Detached ❑ Attached
Provide the following information for PUDs ONLY if the developer/builder is in control of the HOA and the subject property is an attached dwelling unit.
Legal Name of Project
z• Total number of phases Total number of units N/A Total number of units sold
• Total number of units rented Total number of units for sale N/A Data source(s)
n Was the project created by the conversion of existing building(s)into a PUD? ❑Yes ❑ No If Yes,date of conversion. •
o Does the project contain any multi-dwelling units? ❑Yes ❑ No Data Source
z Are the units,common elements,and recreation facilities complete? ❑ Yes ❑ No If No,describe the status of completion.
a-
Are the common elements leased to or by the Homeowners'Association? ❑Yes ❑ No If Yes,describe the rental terms and options.
Describe common elements and recreational facilities. NONE.THIS IS NOT A PUD.
Freddie Mac Form 70 March 2005 Page 3 of 6 Fannie Mae Form 1004 March 2005
Form 1004—"WinTOTAL"appraisal software by a la mode,inc.—1-800-ALAMODE
File No.M97727111 Page#6
Uniform Residential Appraisal Report File# M9772711
This report form is designed to report an appraisal of a one-unit property or a one-unit property with an accessory unit;
including a unit in a planned unit development (PUD). This report form is not designed to report an appraisal of a
manufactured home or a unit in a condominium or cooperative project.
This appraisal report is subject to the following scope of work, intended use, intended user, definition of market value,
statement of assumptions and limiting conditions, and certifications. Modifications, additions, or deletions to the intended
use, intended user, definition of market value, or assumptions and limiting conditions are not permitted. The appraiser may
expand the scope of work to include any additional research or analysis necessary based on the complexity of this appraisal
assignment. Modifications or deletions to the certifications are also not permitted. However, additional certifications that do
not constitute material alterations to this appraisal report, such as those required by law or those related to the appraiser's
continuing education or membership in an appraisal organization, are permitted.
SCOPE OF WORK: The scope of work for this appraisal is defined by the complexity of this appraisal assignment and the
reporting requirements of this appraisal report form, including the following definition of market value, statement of
assumptions and limiting conditions, and certifications. The appraiser must, at a minimum: (1) perform a complete visual
inspection of the interior and exterior areas of the subject property, (2) inspect the neighborhood, (3) inspect each of the
comparable sales from at least the street, (4) research, verify, and analyze data from reliable public and/or private sources,
and (5) report his or her analysis, opinions, and conclusions in this appraisal report.
INTENDED USE: The intended use of this appraisal report is for the lender/client to evaluate the property that is the
subject of this appraisal for a mortgage finance transaction.
INTENDED USER: The intended user of this appraisal report is the lender/client.
DEFINITION OF MARKET VALUE: The most probable price which a property should bring in a competitive and open
market under all conditions requisite to a fair sale, the buyer and seller, each acting prudently, knowledgeably and assuming
the price is not affected by undue stimulus. Implicit in this definition is the consummation of a sale as of a specified date and
the passing of title from seller to buyer under conditions whereby: (1) buyer and seller are typically motivated; (2) both
parties are well informed or well advised, and each acting in what he or she considers his or her own best interest; (3) a
reasonable time is allowed for exposure in the open market; (4) payment is made in terms of cash in U. S. dollars or in terms
of financial arrangements comparable thereto; and (5) the price represents the normal consideration for the property sold
unaffected by special or creative financing or sales concessions* granted by anyone associated with the sale.
*Adjustments to the comparables must be made for special or creative financing or sales concessions. No adjustments are
necessary for those costs which are normally paid by sellers as a result of tradition or law in a market area; these costs are
readily identifiable since the seller pays these costs in virtually all sales transactions. Special or creative financing
adjustments can be made to the comparable property by comparisons to financing terms offered by a third party institutional
lender that is not already involved in the property or transaction. Any adjustment should not be calculated on a mechanical
dollar for dollar cost of the financing or concession but the dollar amount of any adjustment should approximate the market's
reaction to the financing or concessions based on the appraiser's judgment.
STATEMENT OF ASSUMPTIONS AND LIMITING CONDITIONS: The appraiser's certification in this report is
subject to the following assumptions and limiting conditions:
1. The appraiser will not be responsible for matters of a legal nature that affect either the property being appraised or the title
to it, except for information that he or she became aware of during the research involved in performing this appraisal. The
appraiser assumes that the title is good and marketable and will not render any opinions about the title.
2. The appraiser has provided a sketch in this appraisal report to show the approximate dimensions of the improvements.
The sketch is included only to assist the reader in visualizing the property and understanding the appraiser's determination
of its size.
3. The appraiser has examined the available flood maps that are provided by the Federal Emergency Management Agency
(or other data sources) and has noted in this appraisal report whether any portion of the subject site is located in an
identified Special Flood Hazard Area. Because the appraiser is not a surveyor, he or she makes no guarantees, express or
implied, regarding this determination.
4. The appraiser will not give testimony or appear in court because he or she made an appraisal of the property in question,
unless specific arrangements to do so have been made beforehand, or as otherwise required by law.
5. The appraiser has noted in this appraisal report any adverse conditions (such as needed repairs, deterioration, the
presence of hazardous wastes, toxic substances, etc.) observed during the inspection of the subject property or that he or
she became aware of during the research involved in performing the appraisal. Unless otherwise stated in this appraisal
report, the appraiser has no knowledge of any hidden or unapparent physical deficiencies or adverse conditions of the
property (such as, but not limited to, needed repairs, deterioration, the presence of hazardous wastes, toxic substances,
adverse environmental conditions, etc.) that would make the property less valuable, and has assumed that there are no such
conditions and makes no guarantees or warranties, express or implied. The appraiser will not be responsible for any such
conditions that do exist or for any engineering or testing that might be required to discover whether such conditions exist.
Because the appraiser is not an expert in the field of environmental hazards, this appraisal report must not be considered as
an environmental assessment of the property.
6. The appraiser has based his or her appraisal report and valuation conclusion for an appraisal that is subject to satisfactory
completion, repairs, or alterations on the assumption that the completion, repairs, or alterations of the subject property will
be performed in a professional manner.
Freddie Mac Form 70 March 2005 Page 4 of 6 Fannie Mae Form 1004 March 2005
Form 1004—"WinTOTAL"appraisal software by a la mode,inc.—1-800-ALAMODE
1File No.M97727111 Page#71
Uniform Residential Appraisal Report File# M9772711
APPRAISER'S CERTIFICATION: The Appraiser certifies and agrees that:
1. I have, at a minimum, developed and reported this appraisal in accordance with the scope of work requirements stated in
this appraisal report.
2. I performed a complete visual inspection of the interior and exterior areas of the subject property. I reported the condition
of the improvements in factual, specific terms. I identified and reported the physical deficiencies that could affect the
livability, soundness, or structural integrity of the property.
3. I performed this appraisal in accordance with the requirements of the Uniform Standards of Professional Appraisal
Practice that were adopted and promulgated by the Appraisal Standards Board of The Appraisal Foundation and that were in
place at the time this appraisal report was prepared.
4. I developed my opinion of the market value of the real property that is the subject of this report based on the sales
comparison approach to value. I have adequate comparable market data to develop a reliable sales comparison approach
for this appraisal assignment. I further certify that I considered the cost and income approaches to value but did not develop
them, unless otherwise indicated in this report.
5. I researched, verified, analyzed, and reported on any current agreement for sale for the subject property, any offering for
sale of the subject property in the twelve months prior to the effective date of this appraisal, and the prior sales of the subject
property for a minimum of three years prior to the effective date of this appraisal, unless otherwise indicated in this report.
6. I researched, verified, analyzed, and reported on the prior sales of the comparable sales for a minimum of one year prior
to the date of sale of the comparable sale, unless otherwise indicated in this report.
7. I selected and used comparable sales that are locationally, physically, and functionally the most similar to the subject property.
8. I have not used comparable sales that were the result of combining a land sale with the contract purchase price of a home that
has been built or will be built on the land.
9. I have reported adjustments to the comparable sales that reflect the market's reaction to the differences between the subject
property and the comparable sales.
10. I verified, from a disinterested source, all information in this report that was provided by parties who have a financial interest in
the sale or financing of the subject property.
11. I have knowledge and experience in appraising this type of property in this market area.
12. I am aware of, and have access to, the necessary and appropriate public and private data sources, such as multiple listing
services, tax assessment records, public land records and other such data sources for the area in which the property is located.
13. I obtained the information, estimates, and opinions furnished by other parties and expressed in this appraisal report from
reliable sources that I believe to be true and correct.
14. I have taken into consideration the factors that have an impact on value with respect to the subject neighborhood, subject
property, and the proximity of the subject property to adverse influences in the development of my opinion of market value. I
have noted in this appraisal report any adverse conditions (such as, but not limited to, needed repairs, deterioration, the
presence of hazardous wastes, toxic substances, adverse environmental conditions, etc.) observed during the inspection of the
subject property or that I became aware of during the research involved in performing this appraisal. I have considered these
adverse conditions in my analysis of the property value, and have reported on the effect of the conditions on the value and
marketability of the subject property.
15. I have not knowingly withheld any significant information from this appraisal report and, to the best of my knowledge, all
statements and information in this appraisal report are true and correct.
16. I stated in this appraisal report my own personal, unbiased, and professional analysis, opinions, and conclusions, which
are subject only to the assumptions and limiting conditions in this appraisal report.
17. I have no present or prospective interest in the property that is the subject of this report, and I have no present or
prospective personal interest or bias with respect to the participants in the transaction. I did not base, either partially or
completely, my analysis and/or opinion of market value in this appraisal report on the race, color, religion, sex, age, marital
status, handicap, familial status, or national origin of either the prospective owners or occupants of the subject property or of the
present owners or occupants of the properties in the vicinity of the subject property or on any other basis prohibited by law.
18. My employment and/or compensation for performing this appraisal or any future or anticipated appraisals was not
conditioned on any agreement or understanding, written or otherwise, that I would report (or present analysis supporting) a
predetermined specific value, a predetermined minimum value, a range or direction in value, a value that favors the cause of
any party, or the attainment of a specific result or occurrence of a specific subsequent event (such as approval of a pending
mortgage loan application).
19. I personally prepared all conclusions and opinions about the real estate that were set forth in this appraisal report. If I
relied on significant real property appraisal assistance from any individual or individuals in the performance of this appraisal
or the preparation of this appraisal report, I have named such individual(s) and disclosed the specific tasks performed in this
appraisal report. I certify that any individual so named is qualified to perform the tasks. I have not authorized anyone to make
a change to any item in this appraisal report; therefore, any change made to this appraisal is unauthorized and I will take no
responsibility for it.
20. I identified the lender/client in this appraisal report who is the individual, organization, or agent for the organization that
ordered and will receive this appraisal report.
Freddie Mac Form 70 March 2005 Page 5 of 6 Fannie Mae Form 1004 March 2005
Form 1004—"WinTOTAL"appraisal software by a la mode,inc.—1-800-ALAMODE
File No.M97727111 Page#8
Uniform Residential Appraisal Report File# M9772711
21. The lender/client may disclose or distribute this appraisal report to: the borrower; another lender at the request of the
borrower; the mortgagee or its successors and assigns; mortgage insurers; government sponsored enterprises; other
secondary market participants; data collection or reporting services; professional appraisal organizations; any department,
agency, or instrumentality of the United States; and any state, the District of Columbia, or other jurisdictions; without having to
obtain the appraiser's or supervisory appraiser's (if applicable) consent. Such consent must be obtained before this appraisal
report may be disclosed or distributed to any other party (including, but not limited to, the public through advertising, public
relations, news, sales, or other media).
22. I am aware that any disclosure or distribution of this appraisal report by me or the lender/client may be subject to certain
laws and regulations. Further, I am also subject to the provisions of the Uniform Standards of Professional Appraisal Practice
that pertain to disclosure or distribution by me.
23. The borrower, another lender at the request of the borrower, the mortgagee or its successors and assigns, mortgage
insurers, government sponsored enterprises, and other secondary market participants may rely on this appraisal report as part
of any mortgage finance transaction that involves any one or more of these parties.
24. If this appraisal report was transmitted as an "electronic record" containing my "electronic signature," as those terms are
defined in applicable federal and/or state laws (excluding audio and video recordings), or a facsimile transmission of this
appraisal report containing a copy or representation of my signature, the appraisal report shall be as effective, enforceable and
valid as if a paper version of this appraisal report were delivered containing my original hand written signature.
25. Any intentional or negligent misrepresentation(s) contained in this appraisal report may result in civil liability and/or
criminal penalties including, but not limited to, fine or imprisonment or both under the provisions of Title 18, United States
Code, Section 1001, et seq., or similar state laws.
SUPERVISORY APPRAISER'S CERTIFICATION: The Supervisory Appraiser certifies and agrees that:
1. I directly supervised the appraiser for this appraisal assignment, have read the appraisal report, and agree with the appraiser's
analysis, opinions, statements, conclusions, and the appraiser's certification.
2. I accept full responsibility for the contents of this appraisal report including, but not limited to, the appraiser's analysis, opinions,
statements, conclusions, and the appraiser's certification.
3. The appraiser identified in this appraisal report is either a sub-contractor or an employee of the supervisory appraiser (or the
appraisal firm), is qualified to perform this appraisal, and is acceptable to perform this appraisal under the applicable state law.
4. This appraisal report complies with the Uniform Standards of Professional Appraisal Practice that were adopted and
promulgated by the Appraisal Standards Board of The Appraisal Foundation and that were in place at the time this appraisal
report was prepared.
5. If this appraisal report was transmitted as an "electronic record" containing my "electronic signature," as those terms are
defined in applicable federal and/or state laws (excluding audio and video recordings), or a facsimile transmission of this
appraisal report containing a copy or representation of my signature, the appraisal report shall be as effective, enforceable and
valid as if a paper version of this appraisal report were delivered containing my original hand written signature.
APPRAISER SUPERVISORY APPRAISER (ONLY IF REQUIRED)
Signature _ Signature
Name DOUGLA me
Company •me WILLIAMS,MAXHEIMER&ASSOCIATES,LLC Co ny Name
Companbkddr-es.s..__PQST OFFICE BOX-&577,SAVANNAI GA-3'T414 Company Address
Telephone Number (912)355-1096 Telephone Number
Email Address dmaxheimer @bellsouth.net Email Address
Date of Signature and Report December 27,2007 Date of Signature
Effective Date of Appraisal 12/21/2007 State Certification #
State Certification # or State License#
or State License# 5907 State
or Other(describe) State# Expiration Date of Certification or License
State GA
Expiration Date of Certification or License 3/31/2008 SUBJECT PROPERTY
ADDRESS OF PROPERTY APPRAISED I_J Did not inspect subject property
1312 VENETIAN DRIVE ❑ Did inspect exterior of subject property from street
TYBEE ISLAND,GA 31328 Date of Inspection
APPRAISED VALUE OF SUBJECT PROPERTY$ 675,000 ❑ Did inspect interior and exterior of subject property
LENDER/CLIENT Date of Inspection
Name COMPARABLE SALES
Company Name CATSKILL BUILDERS
Company Address 210 CATALINA DRIVE,TYBEE ISLAND,GA 31328 H Did not inspect exterior of comparable sales from street
( 1 Did inspect exterior of comparable sales from street
Email Address Date of Inspection
Freddie Mac Form 70 March 2005 Page 6 of 6 Fannie Mae Form 1004 March 2005
Form 1004—"WinTOTAL"appraisal software by a la mode,inc.—1-800-ALAMODE
File No.M97727111 Page#10
Si.jplemental Addendum File No.M9772711
Borrower/Client N/A
Property Address 1312 VENETIAN DRIVE
City TYBEE ISLAND County CHATHAM State GA Zip Code 31328
Lender CATSKILL BUILDERS
YEAR BUILT IS ESTIMATED AS PUBLIC RECORDS DID NOT SHOW AN ACTUAL YEAR BUILT.
THE APPRAISER IS AWARE THE SITE VALUE EXCEEDS 30%OF THE TOTAL VALUE ASSIGNED TO THE SUBJECT.THIS IS
TYPICAL OF PROPERTIES ON TYBEE ISLAND AND IS BELIEVED TO HAVE NO NEGATIVE AFFECT ON FUTURE MARKETABILITY OF
THE SUBJECT.
SUBJECT PROPERTY EXCEEDS THE PREDOMINAT VALUE, HOWEVER, IT STILL LIES WELL WITHIN THE VALUE RANGE AND IS
NOT CONSIDERED TO BE AN OVERIMPROVEMNT NOR IS MARKETABILITY BELIEVED TO BE NEGATIVELY AFFECTED.
DISCLAIMERS
UNLESS OTHERWISE STATED WITHIN THIS REPORT,THE EXISTENCE OF HAZARDOUS MATERIALS, INCLUDING, BUT NOT
LIMITED TO TOXIC WASTE,ASBESTOS, RADON GAS,OR UREA FORMALDEHYDE FOAM INSULATION,WHICH MAY OR MAT NOT
BE PRESENT ON THE PROPERTY,WAS NOT RECOGNIZED BY THE APPRAISER. THE APPRAISER HAS NO KNOWLEDGE OF THE
EXISTENCE OF SUCH MATERIALS IN THE SUBJECT PROPERTY. THE APPRAISER, HOWEVER, IS NOT QUALIFIED TO DETECT
SUCH SUBSTANCES. THE CONCLUSIONS AND VALUE ESTIMATES HEREIN ARE PREDICATED ON THE ASSUMPTION THAT
THERE IS NO SUCH SUBSTANCE ON OR IN THE PROPERTY THAT WOULD CONTRIBUTE TO OR CAUSE A LOSS IN VALUE. NO
RESPONSIBILITY IS ASSUMED FOR ANY SUCH CONDITIONOR FOR THE EXPERTISE REQUIRED TO DISCOVER THEM. THE
CLIENT IS URGED TO RETAIN AN EXPERT IN THIS FIELD, IF DESIRED.
THE APPRAISAL CONFORMS TO THE UNIFORM STANDARDS OF PROFESSIONAL PRACTICE(USPAP)ADOPTED BY THE
APPRAISAL STANDARDS BOARD OF THE APPRAISAL FOUNDATION, EXCEPT THAT THE DEPARTURE PROVISION OF THE USPAP
SHALL NOT APPLY.
THE APPRAISAL CONTAINS A SIGNED CERTIFICATE REQUIRED BY THE USPAP,AND AN ADDITIONAL STATEMENT THAT THE
APPRAISAL ASSIGNMENT WAS NOT BASED ON A REQUESTED MINIMUM VALUATION,A SPECIFIC VALUATION OR THE
APPROVAL OF A LOAN.
THE DIGITAL SIGNATURE ON THIS REPORT IS PROTECTED AND ONLY THE APPRAISER MAINTAINS CONTROL OF THE
SIGNATURE.THIS CONTROL IS MAINTAINED BY A PASSWORD. ELECTRONICALLY AFFIXING A SIGNATURE TO THIS REPORT
CARRIES THE SAME LEVEL OF AUTHENTICITY AND RESPONSIBILITY AS A LINK SIGNATURE ON A PAPER COPY REPORT.
Form TADD—"WinTOTAL"appraisal software by a la mode,inc.—1-800-ALAMODE
File No.M9772711 I Page#9
Uniform Residential Appraisal Report File# M9772711
FEATURE SUBJECT COMPARABLE SALE#4 COMPARABLE SALE#5 COMPARABLE SALE#6
Address 1312 VENETIAN DRIVE 905 JONES AVENUE 1126 U.S.HIGHWAY 80
TYBEE ISLAND,GA 31328 TYBEE ISLAND TYBEE ISLAND
Proximity to Subject 0.47 miles NE 1.51 miles N
Sale Price $ N/A $ 665,000 $ 715,000 $
Sale Price/Gross Liv.Area $ sq.ft. $ 350.92 sq.ft. $ 401.01 sq.ft. $ sq.ft.
Data Source(s) LENDER/APPRAISER DATA LENDER/APPRAISER DATA
Verification Source(s) MLS/PUBLIC RECORDS MLS/PUBLIC RECORDS
VALUE ADJUSTMENTS DESCRIPTION DESCRIPTION +(-)$Adjustment DESCRIPTION +(-)$Adjustment DESCRIPTION +(-)$Adjustment
Sales or Financing CONVENTIONAL CONVENTIONAL
Concessions LOAN LOAN
Date of Sale/Time 09/14/2006 01/24/2006
x Location TYBEE ISLAND TYBEE ISLAND TYBEE ISLAND
a Leasehold/Fee Simple _FEE SIMPLE FEE SIMPLE FEE SIMPLE
ce Site 7,405 SF/CREEK 6,600 SF/INT/INF +200,000 10,890SF/CREEK
- View MARSH/CREEK SIMILAR PROPS MARSH/CREEK
zDesign(Style) 1-STORY/AVG 2-STORY/AVG 2-STORY/AVG
(Y) Quality of Construction AVG/SID&BLK AVG/FRAME AVG/FRAME
Actual Age 47 1940 1993
& Condition AVERAGE V.GOOD/REMOD -66,500 GOOD -35,750
o Above Grade Total Bdrms. Baths Total Bdrms. Baths Total Bdrms. Baths Total Bdrms. Baths
w Room Count 7 3 2 7 4 2.5 -2,500 6 , 3 2
a Gross Living Area 1,685 sq.ft. 1,895 sq.ft. -5,250 1,783 sq.ft. -2,450 sq.ft.
° Basement&Finished NONE NONE NONE
Rooms Below Grade
Functional Utility AVERAGE AVERAGE AVERAGE
Heating/Cooling CENTRAL CENTRAL CENTRAL
Energy Efficient Items STANDARD STANDARD STANDARD
Garage/Carport OFF STREET OFF STREET 3-GARAGE -30,000
Porch/Patio/Deck SCRND ENTRY COV'D ENTRY +2,000 COV'D ENTRY +2,000
DOCK SCPRCH +25,000 COV'D PATIO +25,000
Net Adjustment(Total) ® + ❑ - $ 152,750 ❑ + ® - $ -41,200 ❑ + ❑ - $
Adjusted Sale Price Net Adj. 23.0 % Net Adj. 5.8 % Net Adj. %
_of Comparables Gross Adj. 45.3 % $ 817,750 Gross Adj. 13.3 % $ 673,800 Gross Adj. % $
Report the results of the research and analysis of the prior sale or transfer history of the subject property and comparable sales(report additional prior sales on page 3).
ITEM SUBJECT COMPARABLE SALE#4 COMPARABLE SALE#5 COMPARABLE SALE#6
Date of Prior Sale/Transfer NO SALE WITHIN NO SALE WITHIN NO SALE WITHIN
_ Price of Prior Sale/Transfer PRIOR THREE YEARS PRIOR YEAR PRIOR YEAR
co Data Source(s) PUBLIC RECORD PUBLIC RECORD PUBLIC RECORD
un Effective Date of Data Source(s) CURRENT CURRENT CURRENT
E Analysis of prior sale or transfer history of the subject property and comparable sales SEE ABOVE.
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Analysis/Comments ADDITIONAL COMPARABLE#4 WAS PROVIDED TO FURTHER SUPPORT THE FINAL ESTIMATE OF VALUE ASSIGNED TO THE
SUBJECT PROEPRTY.
SITENIEW ADJUSTMENTS,WHEN WARRANTED,ARE BASED ON SITE REPLACEMENT COSTS.SOME COMPARABLES,ALTHOUGH EXCEEDING THE
DESIRED 6-MONTH DATE/SALE GUIDELINES,CONTINUE TO PROVIDE VALID MARKET DATA AND WARRANT NO TIME ADJUSTMENTS.CONDITION
ADJUSTMENTS=5%&10%OF SALES PRICE.
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Freddie Mac Form 70 March 2005 Fannie Mae Form 1004 March 2005
Form 1004.(AC)—"WinTOTAL"appraisal software by a la mode,inc.—1-800-ALAMODE
File No.M97727111 Page#12
Plat Map
Borrower/Client N/A
Property Address 1312 VENETIAN DRIVE
City TYBEE ISLAND County CHATHAM State GA Zip Code 31328
Lender CATSKILL BUILDERS II.
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Form MAP.PLAT—"WinTOTAL"appraisal software by a la mode,inc.—1-800-ALAMODE
File No.M97727111 Page#16
Building Sketch
Borrower/Client N/A
Property Address 1312 VENETIAN DRIVE
City TYBEE ISLAND County CHATHAM State GA Zip Code 31328
Lender CATSKILL BUILDERS
27.4'
SUNROOM
15.5' LAY
r`8.3'
BATH BEDROOM DINING KITCHEN LAUNDRY rn
8.3'
BATH
BEDROOM LIVING ROOM
BEDROOM
SCREEN PORCH
16.9' 21.5'
Sketch by Apex IVTM
Comments:
AREA CALCULATIONS SUMMARY LIVING AREA BREAKDOWN
Code Description Size Net Totals Breakdown Subtotals
GLA1 First Floor 1685.07 1685.07 First Floor
P/P SCREEN PORCH 123.37 123.37 8.1 x 27.4 221.94
8.3 x 9.8 81.34
23.6 x 51.9 1224.84
7.3 x 21.5 156.95
•
TOTAL LIVABLE (rounded) 1685 4 Calculations Total (rounded) 1685
Form SKT.BIdSkI—"WinTOTAL"appraisal software by a la mode,inc.—1-800-ALAMODE
File No.M9772711 I Page#13
Location Map
Borrower/Client N/A
Property Address 1312 VENETIAN DRIVE
City TYBEE ISLAND County CHATHAM State GA Zip Code 31328
Lender CATSKILL BUILDERS
a la mode, inc;'
Irk":.,.,,y.„app 'gttk:+k'.t+ . .,,,..,..
f'raa; .s`"` Comparable#5
Islam! /
1126 U.S.HIGHWAY 80
1.51 miles N
orrn[Monument.. ,
rFott Screvee
k las+ Mlaanat
6) r
•a4; Comparable#4
Subject 905 JONES AVENUE
1312 VENETIAN DRIVE Types lel-
0.47 miles NE
•
ct
Comparable#2 Savanna ` ` Comparable#3
1406 5TH AVENUE 1307 JONES AVENUE
0.15 miles SE ` 0.22 miles SE
Link.`l' lrt t
Nand Comparable# 1
1510 5TH AVENUE
0.24 miles SE
1.5
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Form MAP.LOC—"WinTOTAL"appraisal software by a la mode,inc.—1-800-ALAMODE
F=ile No.M9772711I Page#141
Subject Photo Page
Borrower/Client N/A
Property Address 1312 VENETIAN DRIVE
City TYBEE ISLAND County CHATHAM State GA Zip Code 31328
Lender CATSKILL BUILDERS
r i' ` kNirmris Subject Front
e ,'ON ° - ' R 1312 VENETIAN DRIVE
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P Sales Price N/A
.;44.6sw..01,10 '' Gross Living Area 1,685
. , ' , fi Total Rooms 7
Total Bedrooms 3
•, �. Total Bathrooms 2
Location TYBEE ISLAND
View MARSH/CREEK
--•� - — . ..,,_ Site 7,405 SF/CREEK
• Quality AVG/SID&BLK
I l • I Age 47
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Form PIC3X5.SR--"WinTOTAL"appraisal software by a la mode,inc.—1-800-ALAMODE
File No.M97727111 Page#15
Photograph Addendum
~
Borrower/Client N/A
Property Address 1312 VENETIAN DRIVE .
City TYBEE ISLAND County CHATHAM State GA Zip Code 31328
Lender CATSKILL BUILDERS
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Form GPIG3X5—"WinTOTAL"appraisal software by a la mode,inc,—1-800-ALAMODE
'File No.M9772711 I Pape#161
Comparable Photo Page
Borrower/Client N/A
Property Address 1312 VENETIAN DRIVE
City TYBEE ISLAND County CHATHAM State GA Zip Code 31328
Lender CATSKILL BUILDERS
�. a .�m. - •� w s- ;,.:' - .,;i Comparable 1
` '`r".. 4 1510 5TH AVENUE
„' \'`*�
�, Prox.to Subject 0.24 miles SE
`I��a i,'`
Sale Price 530,250
' x +y ".1 __-_ - — Gross Living Area 1,12o
`__� 1..4:.._4-
-— -. . . Total Rooms 5
�—, 11111111111111Mer imi Total Bedrooms 2
Total Bathrooms 1
I__ �-f' J / Location TYBEE ISLAND
. View SIMILAR PROPS
f Site 7,700 SF/INT
„ i Quality AVG/BLK&FRM
,. _ a _ '_•.'r '1'4,„,',4 Age 1954
■
ComparaD 2
ii ` 1 ,'itT d .�, i 1406 5TH AVENUE
i, _s �*'- ' , y' ' - Prox.to Subject 0.15 miles SE
'4 '►''*11 r'-'I Sale Price 369,500
?�; •1 C '. Gross Living Area 1,561
t'>•`• t v� Total Rooms 6
` '":; {` Total Bedrooms 3
E x•' •' • Total Bathrooms 2
41K .
s Location TYBEE ISLAND
'!R T` I.A4 View SIMILAR PROPS
Site 5,881 SF/INT
-- Quality AVG/BLOCK
Age 1949
g _ .._
_
r A't
,4, Comparable 3
�y �' , 1307 JONES AVENUE
'/ �� '- I I Prox.to Subject 0.22 miles SE
„ t, ' 1 Sale Price 353,000
. - '.
Gross Living Area 1,256
1
r' ” Total Rooms 5
ti. "r a Total Bedrooms 3
! , r i Total Bathrooms 1
' j Location TYBEE ISLAND
/ I �.
+ . '. View SIMILAR PROPS
r � t1 1 I 14'„��- x.!. ', Site 5,830 SF/INT
t I i , ,; Quality AVG/BLK&VIN
i i IIII, Age 1940
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3
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' .:J- ,s.bP �141,t� Ia"':i.:•�Cs.444nl.,rrN-.:�...
Form PIC3x5.CR—"WinTOTAL"appraisal software by a la mode,inc.—1-800-ALAMODE
File No.M97727111 Page#17
Comparable Photo Page
Borrower/Client N/A
Property Address 1312 VENETIAN DRIVE
City TYBEE ISLAND County CHATHAM State GA Zip Code 31328
Lender CATSKILL BUILDERS
Comparable 4
,;`� 905 JONES AVENUE r.
{ Prox.to Subject 0.47 miles NE
` 11111P Sales Price 665,000
- " I Gross Living Area 1,895
.: ,>y Total Rooms 7
. ' I:-4: Total Bedrooms 4
r Total Bathrooms 2.5
},g
Location TYBEE ISLAND
L. View SIMILAR PROPS
[�-- Site 6,600 SF/INT/INF
iJ Quality AVG/FRAME
�i•� Age 1940
:I I l Ill !' i I r'1 1•
13.1!
: -_':_ _
Comparable 5
1126 U.S.HIGHWAY 80
Prox.to Subject 1.51 miles N
' -"4 Sales Price 715,000
' v t►' Gross Living Area 1,783
• PM A•';; t: f. -ii.icuj. Total Rooms 6
— ` '"` ;. > o'ir Total Bedrooms 3
'.. 'Jen If.. , 'd l• "' Total Bathrooms 2
•• r �� Location TYBEE ISLAND
— _ '`• View MARSH/CREEK•
• r• �`- Mom row
kill' Site 10,890SF/CREEK
�1 —.1_..4 I!'1 ..� ! i� Quality AVG/FRAME
Age 1993
— 17*.w a f •
Eill
Comparable 6
Prox.to Subject
Sales Price
Gross Living Area
Total Rooms
Total Bedrooms
Total Bathrooms
Location
View
Site
Quality
Age
Form PIC3x5.CR—"WinTOTAL"appraisal software by a la mode,inc.—1-800-ALAMODE