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wP,1kt .fV \��c�Aiz, U c �ir�� � ' V .;& TWO FAMILY ONLY- BUILDING PERMIT R E C G t Town of Yarmouth Building Department ort 'r .,.. 1146 Route 28, South Yarmouth,MA 02664-4492 LAN 11201 508-398-2231 ext. 1261 Fax 508-398-0836 4*-,e ■ . Massachusetts State Building Code,780 CMR `` BUILD NG DEPAR R Permit Application To Construct, Repair, Renovate Or Demolish a One-or Two-Family Dwelling B=' This Section For Official Use Only Building Permit Number: b(..()-2? J D' Date Applied: i 1,, A:3 �"a-F—J�3 Building Official(Print Name) 'Signature Date SECTION 1:SITE INFORMATION 1.1 Property Address: 1.2 Assessors Map&Parcel Numbers G '- 14oN Ln. S. iaritAotli 3.7 / 7a_ 1.1 a Is this ah accepted street?yes no Map Number Parcel Number 1.3 Zoning Information: 1.4 Property Dimensions: Zoning District Proposed Use Lot Area(sq ft) Frontage(ft) 1.5 Building Setbacks(ft) Front Yard Side Yards Rear Yard Required Provided Required Provided Required Provided 1.6 Water Supply: (M.G.L c.40,§54) 1.7 Flood Zone Information: 1.8 Sewage Disposal System: Public Private 0 Zone: _ Outside Flood Zone? Municipal 0 On site disposal system k Check if yes❑ SECTION 2: PROPERTY OWNERSHIP' 2.1 Owner'of Record: A' Lau #Detv.e. iMAA..; W S. y i rwton i vt't 61- 0 (r, H Name Print) City,State,ZIP f� �� (-Iolty L.- . 771-?r?-6,BY)- MIA MANIA bilq Q dAartex• Act- No.and Street l Telephone Email 2Kddress SECTION 3:DESCRIPTION OF PROPOSED WORK2(check all that apply) New Construction,] Existing Building l Owner-Occupied Repairs(s) 0 Alteration(s),I I Addition (ii( Demolition ❑ Accessory Bldg. 0 Number of Units Other 0 Specify: Brief Description of Proposed Work2: g u; , , - ,, 'Et.A O; ‘... , • A ," AA,, a , pares(., -I-n Lova •Le. spat..., , SECTION 4: ESTIMATED CONSTRUCTION COSTS. Item Estimated Costs: Official Use Only (Labor and Materials) 1.Building $ (o f f i 9D - I. Building Permit Fee:$ fj)`) Indicate how fee is determined: it Standard City/Town Application Fee 2.Electrical $ V-� 0 Total Project Co t3 Ite 6 th3\ ' i� r _ 3.Plumbing $ 9�i 2. Other Fees: $ TJ V t V U ' 4.Mechanical (HVAC) $ "q//4 List: f 5.Mechanical (Fire . • • Suppression) $ TV/ft Total All Fees:$ 6.Total Project Cost: $ 1 Check No. Check Amount: Cash Am u --MAR t ) 4F4.�q_!2 2D13 2 .lc ❑Paid in Full g Outstanding Balance Due: NT 5 -0\1-' 7 • .yam... _ s4 .. �f�(. .. ..._,.....] I r. tb 1 . ;i,;t- , . '..,,I i • -r.. v a iS? .e a. SECTION 5: CONSTRUCTION SERVICES 5.2 Construction/ r� Supervisor License(CSL) CS_c i0`�0 _ PA c F-�J4(-obi License Number Exp ation Date Name of CSL Holder List CSL Type(see below) U PD. €o)( 3yy No.and Street Type Description r►Mo 1) I rn1�°► O a(o7� U Unrestricted(Buildings up to 35,000 cu.it) City/Town,State,ZIP R Restricted I&2 Family Dwelling M Masonry RC Roofing Covering WS Window and Siding SF Solid Fuel Burning Appliances 774-35-3-GO Sa o41a4s 7ft@ Glob. c0,4,1 I Insulation Telephone v Email address D Demolition 5.2 Registered Home Improvement Contractor(HIC) Po�'�ri L�(ac�bs (6 58 88 f/g4)03y HIC Registration Number Ekpiration Date HIC Company Name or HIC Registrant Name P.o. Sox 3KY pa-t)ac-obs' 78 0 yq.k oo . covvN o.and Stree 1 Email address arwt0u I°or-'fsl Vvtk1 0D-(07 c 77`f-3S?-to BSa City/Town,State,ZIP Telephone SECTION 6:WORKERS'COMPENSATION INSURANCE AFFIDAVIT(iVI.G.L.c.152.§ 25C(6)) Workers Compensation Insurance affidavit must be completed and submitted with this application. Failure to provide this affidavit will result in the denial of the Issuance of the building permit. Signed Affidavit Attached? Yes 0 No 0 SECTION 7a: OWNER AUTHORIZATION TO BE COMPLETED WREN OWNER'S AGENT OR CONTRACTOR APPLIES FOR BUILDING PERMIT I,as Owner of the subject property,hereby authorize to act on my behalf,in all matters relative to work authorized by this building permit application. ee�a //g ;o33 Print Owner's Name(Electronic Signature) to • SECTION 7b: OWNER'OR AUTHORIZED AGENT DECLARATION By entering my name below,I hereby attest under the pains and penalties of perjury that all of the information contained in t ' app ' ati 's true and accurate to the best of my knowledge and understanding. 47/7-> cabs /9/2,623'Print Owner's or Au orized Agent's Name(Electronic Signature) e NOTES: I. An Owner who obtains a building permit to do his/her own work,or an owner who hires an unregistered contractor (not registered in the Home Improvement Contractor(HIC)Program),will not have access to the arbitration program or guaranty fund under M.G.L.c. 142A.Other important information on the HIC Program can be found at www.mass.gov/oca Information on the Construction Supervisor License can be found at www.mass.gov/dps 2. When substantial work is planned,provide the information below: Total floor area(sq.ft.) (including garage,finished basement/attics,decks or porch) Gross living area(sq.ft.) Habitable room count Number of fireplaces Number of bedrooms Number of bathrooms Number of half/baths Type of heating system Number of decks/porches Type of cooling system Enclosed Open 3. "Total Project Square Footage"may be substituted for"Total Project Cost" • r � The Commonwealth of lbfassac/zusetts Department of Industrial Accidents (, 0 1 Congress Street, Suite 100 Boston, MA 02114-2017 s„ www.mass.gov/dig Workers' Compensation Insurance Affidavit: Builders/Contractors/EIectricians/Plumbers. TO BE FILED WITH THE PERMITTING AUTHORITY. Applicant Information Please Print Legibly Name (Business/Organization/Individual): Px a_.:1-u tAbc Address: P Q. 60K 3 L{y City/State/Zip: Yc retw t Rik t 014 pale 7S _ Phone #: 77`(-355 6,8.S-02 Are you an employer?Check the appropriate box: Type of project(required): 1.0 I am a employer with employees(full and/or part-time).' 7. Q New construction 20 am a sole proprietor or partnership and have no employees workiniz for me in any capacity.(No workers'comp. insurance required.] S• Remodeling • 3.0 1 am a homeowner doing all work myself.(No workers'comp.insurance required.]t 9. CD Demolition 4.E I am a homeowner and will be hiring contractors to conduct all work on my property. I will 1 ❑ Building addItiOR ensure that all contractors either have workers'compensation insurance or are sole l 1.Q Electrical repairs or additions proprietors with no employees. 5.0 I am a general contractor and I have hired the sub-contractors listed on the attached sheet. I ❑Plumbing repairs or additions These sub-contractors have employees and have workers'comp. insurance.t 1 -0 Roof repairs 6.0 We are a corporation and its officers have exercised their right of exemption per,NIGL c. 14.❑Other 152,§I(a),and we have no employees.(No workers'comp.insurance.required.] 'Any applicant that checks box 2l must also fill out the section below showing their workers'compensation policy information. t Homeowners who submit this affidavit indicating they are doing all work and then hire outside contractors must submit a new affidavit indicating such. tContractors that check this box must attached an additional sheet showing the name of the sub-contractors and state whether or not those entities have employees. If the sub-contractors have employees,they must provide their workers'comp.policy number. I am an employer that is providing workers'compensation insurance for my employees. Below is the policy and job site information. insurance Company Name: Policy#or Self-ins.Lic.#: Expiration Date: Job Site Address: City/State/Zip: Attach a copy of the workers' compensation policy declaration page(showing the policy number and expiration date). Failure to secure coverage as required under IvIGL c. 152,§25A is a criminal violation punishable by a fine up to$1,500.00 and/or one-year imprisonment,as well as civil penalties in the form of a STOP WORK ORDER and a fine of up to$250.00 a day against the violator.A copy of this statement may be forwarded to the Office of Investigations of the DIA for insurance coverage verification. 1 do hereby certify tt r th air and penalties of perjury that the information provided above is true and correct. Signature: Date: //ci/ap�- Phone#: 77q(-3 —6,8i z Official use only. Do not write in this area,to be completed by city or town official. City or Town: Permit/License# Issuing Authority(circle one): 1.Board of Health 2.Building Department 3. City/Town Clerk #.Electrical Inspector 5. Plumbing Inspector 6. Other Contact Person: Phone#: §TOWN OF YARMOUTH 1146 Route 28, South Yarmouth, MA 02664 508-398-2231 ext. 1261 Fax 508-398-0836 Office of the Building Commissioner BUILDING DEPARTMENT DEMOLITION DEBRIS DISPOSAL AFFIDAVIT Pursuant to M.G.L. Ch. 40, §54 and '780 CMR - Section 105.3.1. #4. I hereby certify that the debris resulting from the proposed work/demolition to be conducted at (0 �U( . Work Address Is to be disposed of oat the following location: `), Said disposal site shall be a licensed solid waste facility as defined by M.G.L. Ch. 111, 150A. L / 9 �d-1 Signature o Application De Permit No. THE COMMONWEALTH OF MASSACHUSETTS Office of Consumer Affairs&Business Regulation HOME IMPROVEMENT CONTRACTOR TYPE:Individual Registration Expiration 165888- 05/14/2024 PATRICK JACOBS DB/A P.JACOBS CUSTOM CARPENTRY AND REMODELING PATRICK JACOBS 1 28 WHITTER DR. ` /,,./,,, ;'',66"4` DENNIS,MA 02638 N„ • Undersecretary \ Commonwealth of Massachusetts �. Division of Occupational Licensure Board of Building Re ulations and Standards Cons - ioni S rvisor CS-081040 ftpires:04/04/2024 PATRICK H JACOBS —; 28 WHITTIERiDR1VE DENNIS MA d3638 Commissioner ( a K. lofC�++Jua.. January 8, 2023 To Whom It May Concern: We give Pat Jacobs from Pat Jacobs from P. Jacobs Custom Carpentry and Remodeling permission to complete renovation and remodeling work on our home at 64 Holly Lane,South Yarmouth, MA. ,q):ta/Lif Mary Lou Manning David Manning 1/18/23,2:48 PM Mail-Sears,Tim-Outlook 64 Holly Sears, Tim <tsears@yarmouth.ma.us> Wed 1/18/2023 2:47 PM To: 'patjacobs78@yahoo.com' <patjacobs78@yahoo.com> Pat, I have reviewed your application and there are a few items needed. Plot Plan stamped by Land Surveyor 'onservation sign off `3! rnped plans for sonotubes what is the status of the existing slab? Does it have a footing on the outside edge? Please submit these items for review Timothy Sears CBO Deputy Building Commissioner Town of Yarmouth • 508-398-2231 Ext. 1259 mailto:tsearsjyarmouth.ma.us a � . - -- __ __ FEa 71 2C2 mO rkr https://outlook.office.com/mail/sentitems/id/AAQkADE3MDQ5NWZmLTk0YzItNDIwNi1 EMDQxLWNkMGQyNmE4NzE5NAAQADMs%2FPW2Bo1 MsfNr... 1/1 4 • so---I TOWN OF YARMO TH k , ip BUILDING DEPARTMENT . r .i;� �l a° 1146 Route South Yarmouth,1 „ �4 4i�102664 Telephone 508-398-2231 ext. 1261 Fax 508-398-0; E C_E I V E D —2-3j JAN 1729 BUILDING DEPARTMENT 8y Owner's Affidavit: Substantial Improvement or Repair of Substan • .- - -- Property Address: G "I - J/i La fi t Parcel ID Number: Map ,3 ' lb+ * 17 2 _ Owners Name: a r �l it IV ari n i rl Day r al Mann i hq Owner's Address/Phone: 3 ,5114 1 it . Wi'/.1 taYl/arll, k4 �i(13) 455 ts3 8 D � Contractor: I . 1 G( C,i), C“,51 r i (a r pe,n-h"y c=+ -Kp.rno del i vi q Contractor's License Number: 0 g/ 6 '1 0 Date of contractor's Estimate: i 02 JP2_ , --- I hereby dttest that the description included in the permit application for work on the existing building all improvements, rehabilitation, remodeling, repairs, additions, and other forms of improvement. I further attest that I requested the above-identified contractor to prepare a cost estimate for all of the work, including the contractor's overhead and profit. I acknowledge that if, during the course of construction, I decided to add more work or to modify the work described, that the Town of Yarmouth wilt re-evaluate its comparison of the cost of work to the market value of the building to determine if the work is substantial improvement. Such re- evaluation may require revision of the permit and may subject the property to additional requirements. I also understand that I am subject to enforcement action and/or fines if inspection of the property reveals that I have or authorized repairs or improvements that were not included in the description of work, and the cost estimate for that work that were basis for issuance of a permit. Owner's Signature: AQiid7c1Patilp"M14/1/Vil Date: ///i/2 0 Notarized: - - - —- -------- I " KARL A M BAEZ•TORRES ' }'� i Notary Public 1/ /Massachusetts / i / b51 ./ My Commission Expires ( � /1/./ +` Apr 11, 2025 4 t, I • 3nbnr 13)43UVN OZ N D 9NV-1 AT10H �—- 5 v O m n A Z r co D �� OYbtE 3AOM9`3E�tld ..O N A a1-5 N33a'�A3 i- ®ice_ r in HOLLY LANE II 0.2 :0=1...— - -p - EDGE OE PAVEMENT y m N 01'43'40 E 70.00' A$5 N ss. 1 R°,t fm o oau 0 00 Z m I' o v Z =mO j µµ m 0 0 d' Oa 7 vT 0 . - 4 O - c.'c'' 22. '1,�Fc. a0n)�' ____ z r 0, (J! Vt ° o m �Z ! N U , „_i�i x� \ n0 O' > n Z- 0 AP 0 at V S 01'43'40" W 125.89' i n t I v; J • r V 1 C4 1 Ul 0 o D U) m o D. o -1, > OO., o 0 4 iu� DD II - _ om �0 �cmZD D 2S D D m oo� v m D nmm�? n Z DXI— co - O � = O v z co -ri Orn � D Z K�r D0 Pv`1+ nD Zm D OO y-(• A� O D � D00 ? mcoK m O Z D r-( T 7 Oo0>xi N A0 O Z T -� Cr -t -t N KZK�0C IZ c-IK Z W cnrn Dm> ONO� TI co O! _, << mm =Z mON ... fCr) r 0 O rD D D 0 0 ID m mm0 0N co C vZm � co m r 0)m MZ D Oy V Za _ N ZD �.nV) 0 Z N Z Substantial Improvement Worksheet for Floodplain Construction (for reconstruction, rehabilitation,addition, or other improvements, and repair of damage from any cause) Property Owner: Platy Lot Dom_ Hit n t0� Address: ( y /{0((y `farm oOTCv.r Wt of Oa(Q Permit No.: Location: r c Description of improvements: Adct a dcFdc;ti-Lon cm Franf aZ.V.At- f ck- cad s«C.e eo{ t (ore-. o n bctc(� Preseirt 1Y et' a of str ct*e ONLY(i arfee.appraisal r adjusted assesses�xak,e,BEFOREtniprovement,orif ia# �accurr ,oot�rarucc { $ /yy t 8 i io t f mp aixea7 l Repair) 3C �t�fl y 7 /9 % Ma&et'Ja1ue,.; if ratio is 50 percent or greater(Substantial Improvement),entire structure including the existing building must be elevated to the base flood elevation (BEE)and all other aspects brought into compliance. Important Notes: 1. Review cost estimates to ensure that all appropriate costs are included or excluded. 2. If a residential pre-FIRM building is determined to be substantially improved, it must be elevated to or above the BFE. If a non-residential pre-FIRM building is substantially improved,it must be elevated or dry floodproofed to the BFE. 3. Proposals to repair damage from any cause must be analyzed using the formula shown above. 4. Any proposed improvements or repairs to a post-FIRM building must be evaluated to ensure that the improvements or repairs comply with floodplain management regulations and to ensure that the improvements or repairs do not alter any aspect of the building that would make it non-compliant. 5. Alterations to and repairs of designated historic structures may be granted a variance or be exempt under the substantial improvement definition)provided the work will not preclude continued designation as a"historic structure." 6. Any costs associated with directly correcting health,sanitary, and safety code violations may be excluded from the cost of improvement. The violation must have been officially cited prior to submission of the permit application. Determination completed by: , j eehr Date: / a TOWN OF YARMOUTH off _ -�y BUILDING DEPARTMENT �"' TA I .1146 Route 28, South Yarmouth, MA 02664 '3 .MATT ,C.._:F `°'',_ �0 Telephone 508-398-2231 ext. 1261 Fax 508-398-0836 Contractor's Affidavit: Substantial Improvement or Repair of Substantial Damage Property Address: 41 4)1ly (rot , Parcel ID Number: /fl4 -0'33 - Gpf-- /7r.. Owner's Name: May Lot) 1 ,7)a Maoriritq Contractor: f a � /4-r � -cT l& Contractor's License Number: es-Of/OYD Date of Contractor's Estimate: / 9 ,-)-3 I hereby attest that I have personally inspected the building located at the above-referenced address by the nature and extent of the work requested by the owner, including all improvements, rehabilitation, remodeling, repairs, additions, and any other form of improvement. At the request of the owner, I have prepared a cost estimate for all of the improvement work requested by the owner and the cost estimate includes, at a minimum, the cost elements identified by the Town of Yarmouth that are appropriate for the nature of the work. If the work is repair of damage, I have prepared a cost estimate to repair the building to its pre-damage condition. I acknowledge that if, during the course of construction, the owner requests more work or modification of the work described in the application, that a revised cost estimate must be provided to the Town of Yarmouth, which will re-evaluate its comparison of the cost of work to the market value of the building to determine if the work is substantial improvement. Such re- evaluation may require revision of the permit and may require revision of the permit and may subject the property to additional requirements. I also understand that I am subject to enforcement action and/or fines if inspection of the property reveals that I have made or authorized repairs or improvements that if inspection of the property reveals that I have made or authorized repairs or improvements that were not included in the description of work and the cost estimate for that work that wer: 0.sis r iss e of a permit. COMMONWEALTH OF MA SACHUSETTS COUNTY OF RrAi kYkfd jp Contractor's Signature / _ On this 10 day of 2013,before me,the undersigned notary public, ?(�t' i f K- -p.C,00J personally appeared, Date: proved to me through satisfactory evidence of identification, I a py't � which were Mai Li Leo.a Q to be the person whose name is signed on the preceding or attached document,and Notarized: acknowledged to me that(he)(she)signed it voluntarily for its stated p s .0'-.Z.'%4: NATHAUA J. HUDSON ` 'II Notary Public ' ` otary P tic' • nat r mmission Expires p )ail,202C `,/ Commonwealth of Massachusetts My Commission Expires Autg.21,2026 TOWN OF-YARMOUTH 1146 Route 28� rth, MA 02664 508-398-223 ex n ax 08-398-0836 Office of the Buildl ,omissioner FINAL COST AFFIDVIT FOR WORK IN FEMA FLOOD ZONE To the Building Commissioner, In accordance with 780 CMR Section 109 of the Massachusetts State Building Code, the total estimated cost of construction, including all related costs* of the building at 'j 1-6(( („�. S. YarototAtA and constructed,reconstruued, altered,repaired, or extended under buil�ing permit no. amounts to $ L pj e39,0 I, Pa-lr ,being referred to as the owner/agent identified below,do solemnly swear that the statements made herein are strictly true, correct and made in good faith *Related construction costs include all work done with or concurrently with the work contemplated by the building permit including construction, reconstruction, repairs, demolition, HVAC work, etc. Furnishings and portable equipment are not part of the total construction costs. Signature of owner/agent Notary Public Signature My Commission Expires Notary Seal: Certificate of Compliance Data Facts, Inc. Subject Property: 64 Holly Lane, South Yarmouth MA 02664 Appraisal Date: 10/6/2021 Appraisal Reference Number B1906785-Order Date:9/9/2021 Data Facts, Inc. certifies that the above referenced appraisal report was completed in compliance with Appraisal Independence Rules as set forth by the Federal Reserve System,the FDIC, Fannie Mae, Freddie Mac, FHA,the Dodd Frank Act and other applicable federal and state laws, in strict adherence to our non-influence policy and process: • The Lender/Customer named on the appraisal report submitted the appraisal order through the secured Appraisal Firewall transaction management platform (website or direct integration),or through an approved and compliant 3rd party integration. • The appraiser is chosen utilizing Appraisal Firewall's proprietary selection methodology from a list comprised 'in part or in whole', of qualified appraisers provided by the Lender/Customer. • The Data Facts, Inc. appraisal process maintains a double-blind environment whereby the loan officer, processor or any other originating personnel are not made aware of the appraiser's identity until the time of the final appraisal report delivery. • The terms and conditions of the engagement contract between Appraisal Firewall and the appraiser prohibit the appraiser from unmonitored communication between Lender/Customer or attempting to obtain value/loan information from the borrower/property owner. • No estimate regarding the subject property's value, proposed loan amount,or proposed loan-to-value ratio is provided or communicated by Data Facts, Inc.to the appraiser[For purchase transactions,the purchase agreement is provided to the appraiser as required by USPAP Standards Rule 1-5(a)]. • All communications for this appraisal transmitted through Appraisal Firewall have been logged and are available for review by Lender/Customer or other designated entity. Thank you, Data Facts, Inc. 8000 Centerview Pkwy Suite 400 Cordova TN 38018 (413)642-4394 The Leonard Company Amy Duffield Massachusetts Real Estate Appraiser#2415 Loan#000121080000929 File No.2021-0910277 APPRAISAL OF Ilk Y J r : a 4,43$1 n , - Single Family Dwelling LOCATED AT: 64 Holly Ln South Yarmouth.MA 02664-5217 FOR: Arrha Credit Union 145 Industry Avenue Springfield,MA,01104 BORROWER: Mary Lou Manning&David Manning Ill AS OF: September 28.2021 BY: Amy Duffield MA C.R.R.E.#2415 The Leonard Company Amy Duffield Massachusetts Real Estate Appraiser#2415 Loan 0000121080000929 File No.2021-0910277 10/06/2021 Attn:Data Facts,Inc. Arrha Credit Union 145 Industry Avenue Springfield,MA,01104 File Number: 2021-0910277 Dear Arrha Credit Union, In accordance with your request,I have appraised the real property at: 64 Holly Ln South Yarmouth,MA 02664-5217 The purpose of this appraisal is to develop an opinion of the market value of the subject property,as improved. The property rights appraised are the fee simple interest in the site and improvements. In my opinion,the market value of the property as of September28,2021 is: $418,000 Four Hundred Eighteen Thousand Dollars The attached report contains the description, analysis and supportive data for the conclusions, final opinion of value,descriptive photographs,limiting conditions and appropriate certifications. Sincerely, 6L44001)441.:14 Amy Duffield MA C.R.R.E.#2415 The Leonard Company Loan 4000121080000929 Uniform Residential Appraisal Report File No. 2021-0910277 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 64 Holly Ln City South Yarmouth State MA Zip Code 02664-5217 Borrower Mary Lou Manning&David Manning III Owner of Public Record Mary Lou Manning&David manning III County Barnstable Legal Description BCRD Book 15661 Page 145 Lot 38 Plan Book 145 Page 67 Assessors Parcel I Map 33 Lot 172 Tax Year 2022 RE.Taxes S 2,642 I Neighborhood Name Sound Side Villa a Map Reference 12700 25 001 Censor Tract 0120.02 Occupant X Owner Tenant Vacant Special Assessments S 0 ❑PUD HOA$0 ❑per year Li per mardh Pr dry Rights Appfraaiisled (X Fee Simple Q Leasehold ❑Other(describe) Assignment Type ` J Purchase Transaction Refinance Transaction [l Other(describe) Lender/Client Arrha Credit Union Address 145 Indus Avenue,S ' eld,MA 01104 Is the subject property currently offered for sale or has it been offered for sale in the twelve months prior to the effective dab of this appraisal? Yes No Report data source(s)used,offering price(s),and date(s). CC&l Multiple Listing Service. - _ 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 riot performed. Contract Price S Date of Contract Is the property seler the owner of public record? Q Yes Q No Data Source(s) !s there any financial assistance(loan charges,sate concessions,gift or downpayment assistance,etc.)to be paid by any party on behalf d the borrower? O Yes U No f Yes.report the total dollar amount and describe the items to be paid. Note:Race and the racial composition of the neighborhood are not appraisal factors. Neighborhood Characteristics One-Unit Housing Trends One-Un it Housing Present Land Use% Location LIUrban X Sesurcas Rural P ee,tyValues 1XIIrcreasm_9 "1Stable Deanmq PRICE AGE One-Unit 80'- C Built-Up I Xr Over 75% 125-75% Li Under 25% Demand/Supply X, Shortage I I In Balance Over Supply I $(000) (yrs) 2-4 Unit 5% p Growth _Rapid 2 Stable 0Slow I Marketing Time X Under 3 mths 0 3.6 mitts Over 6 nee 285 Low 1 Mute-Farny 5% it Neighborhood Boundaries Subject area is bounded on the north by Route 28,on the west by 1,800 thigh 125 Commercial_ 10% °m Parkers River,on the south by Nantucket Sound and on the east by Bass River. 1 475 Pred. 70 Other % 1 Neighborhood Description The subject property is located in a residential neighborhood that is located south of Route 28 and consists of i traditionally styled single family homes that vary in age and size. The overall property maintenance is above average to good.Area appeals to second home owners,retirees and families due to the proximity of services along Route 28 as well as<see addendum> Market Conditions(including support for the above conclusions) In 2020 there have been 604 single family home sales in Yarmouth which had a median sale price of$384,500 and sold within 68 days at 97%of list price.In 2019 there were 476 sales with a$348,000 median sale price. _ These properties sold at 94%of list price within 94 days.<see addendum> Dimensions 70x38.19x79.36x125.89x106.25 Area 11826 sf Shape Generally Rectangular view N;Res; Specific Zoning Classification R-25� Zoning Description 25,000sf minimum lot size;150'frontage i Zoning Compliance LI Legal {J Legal Nonconformag(Grandfathered Use) D No Zoning ❑Illegal(describe)Is the highest and best use of the subject property as improved(or as proposed per plans and specifications)tfte present use? Yes O No If No,describe. The subject's current use as a residential single family home is considered its highest&best use. Utilities Public Other(de scribe) _ Public Other(describe) Off-siteknproventents—Type Public Privets Electricity )-a Water 1 X (;�� Town Water Street Paved Asphalt X N Gas 7 Sanitary Sewer X Private Septic Alley None _ .. FEMA Special Flood Hazard Area El Yes ❑No FEMA Flood Zone�AE FEMA Map it 25001 C0589J FEMA Map Date 07/16/2014 Are the utiilies and off-site improvements typical for the market area? L^_1 Yes O No If No,describe. Are there any adverse site conditions or extemal factors(easements,enaoacMtents,enviranmertal conditions,land uses,etc.)? O Yes C)No if Yes,describe. Subject site is landscaped with lawn,foundation and area plantings.No adverse easements or encroachments were noted or observed at the time of inspection. GENERAL DESCRIP ION FOUNDATION _ EXTERIORDESCRIPTION_ matedah/condpwt MTf t10R matedafs/coditiort Units ,X One One wi h Accessory Unf �_ j Concrete Slab Crawl Space Foundation Walls COnCretel2Verage Floors _ Wd,laminate/gd #of Stories 1Full Basement Partial Basement Exterior Walls Cedar e/gd wags — Drywd,keries/&gd Type Del ❑AtL �S DefiEnd unit Basement Amp 0 sot.tL Root Surface Asphalt/good Trim/Fnish Wood/abv avg X Existing Li Proposed Under Const. Basement Finish 0% Gutters&Downspouts Aluminum/good Bath Floor Tile/good Design(Style)Ranch Outside En (Exit 0 Sump Pump Wmdi Year Built 1960 Doublehunq/qood Bath Wainscot rFibIerglasslgood Evidenced Idestatiat Slam Sash/Insulated Themiopane/good Car Storage None Effective Age(Yrs)16-20 [I Damortess Battlement Screens Yes cod QX Driveway it of Cars 3 Attic None Heating XL FWA HWBB U Radiant Amenities WoodStove(s)#0 Driveway Surface Stone Drop Stair Stabs Otter Fuel Gas C Firepace(s)#1 X Fence Wood T)Garage #of Cars 0 Floor X ScuttleCoding X Central Air Conditioning X Patio/Deck wood Porch screened Carport St of Cars 0 Trashed Heated [Individual n other None Pool None X Other OShowef _ Ast (�Det. Burin n Appliances I X I Refrigerator I Xj Range/Oven X)Dishwasher I Disposal I i Microwave I I Washer/Dryer f i Other(describe) Finished area above grade contains: 4 Rooms 2 Bedrooms 1.0 Bath(s) 768 Square Feet of Gross Living Area Above Grade Additional features(special energy efficient nerds,etc.). Fireplace in living room,screened porch,outdoor shower,deck. Describe the condition of the property(inducting needed repairs,deterioration,renovations,remodeling,etc). C3;Kitchen-updated-six to ten years ago;Bathrooms- updated-six to ten years ago;The subject property has been well maintained,thus lower effective age than actual age.Roof was replaced lastyear,windows approximately 6-7 years ago as well as the bath and kitchen updated 6-7 years ago.No functional or external(economic)obsolescence noted. Are there any physical deficiencies or adverse conditions that affect the livability,soundness,or structural integrity of the property? ❑Yes El No if Yes,describe. There are no apparent physical deficiencies or adverse conditions noted that would affect the livability,soundness or structural integrity of the subject property.The utilities,electric,and water were on and appeared to be in working order. Does the property generally conform to the neighborhood(functional utility,style,condition,use,construction,etc)? Q Yes ❑No If No,describe. The subject property conforms to the neighborhood in terms of functional utility,style,condition,use and overall quality of construction. Fred%e Mu Farm A Mesh 2005 ME treater Pduad airs ACI'dame.8002N 8127 reasons coo Fameoe to a N Fare t Noah 2005 Pepe 1 ft6 tape o5Wa rs,e!as5 The Leonard Company Loan 4000121080000929 Uniform Residential Appraisal Report File No. 2021-0910277 There are 1 comparable properties currentyofferect for sale in the subject neighborhood ranging in pace from$ 449,000 to$ 449,000 . There are 15 comparable sales in the subject neishborhood within the past twelve months ranging in sale price from$ 281,000 to$ 447,000 . FEATURE I SUBJECT COMPARABLE SALE NO.1 COMPARABLE SALE NO.2 COMPARABLE SALE NO.3 64 Holly Ln 56 Crowes Purchase Rd 64 Baxter Ave 69 S Sea Ave ' Address South Yarmouth,MA 02664-5217 West Yarmouth,MA 02673-5004 West Yarmouth,MA 02673-8309 West Yarmouth,MA 02673-5013 Proxi ' to Sub t _. 1.23 miles SW 2.69 miles NW 1.19 miles SW Sale Price $ $ 447,000 S 391,000 �'- . $ 410,000 Sale Rim/GrossUv Area $ 0.00 sq.ft. $ 447.00 sq.ft. $ 488.75 sq.f-t $ 411.65 sq.t. Data Source(s) I- CC&I#22101712;DOM 5 CC&I#22104471;DOM 4 CC&I#22101896;DOM 17 Verification Source(s) Assr/MLS/PSR/Ext View Assr/MLS/PSR/Ext View Assr/MLS/PSR/Ext View VALUE ADJUSTMENTS DESCRIPTION DESCRIPTION N•)SAg vrereni DESCRIPTION +j)Spewmmt DESCRIPTION .02ACtuemm e Sale or Financing ArmLth ArmLth Arnith Concessions Conv;0 Conv;1500 -1,500 Conv;0 Date of Sale/Time s06/21;c04/21 s09/21;c08121 s06/21;c05/21 Location N;Res; N;Res; N;Res; N;Res; Leasehold/Fee Simple Fee Simple Fee Simple Fee Simple Fee Simple Site 11826 sf 10019 sf 0 6970 sf 0 10890 sf 0 View N;Res; N;Res; N;Res; N;Res; Design(Style) DT1;Ranch DT1;Ranch DT1;Ranch DT1;Ranch Duality of Construction Q4 Q4 Q4 Q4 Actual Age 61 61 71 0 55 0 Condition C3 C3 C4 19,600 C4 20,500 Above Grade raid � Bets Total a UMB6ms BMW Tote Bdse Bets Room Count 4 2 I 1.0 6 2 I Mu 0 4 2 1.0 6 2 1.0 0 Gross living Area 100 768 aq.t 1,000 sq.t. -23,000 800 sq.t 0 996 sq.ft. -23,000 Basement&Finished Osf Osf Osf Osf Rooms Below Grade '= Functional unity Satisfactory Satisfactory Satisfactory Satisfactory a HeatingrCoofing FHA/Central AC FHA/None 4,000 FHA/Central AC FHA/None 4,00.0 a Enemy Efficient Items None None None None a GarajelCarport 3dw 3dw 3dw 1ga2dw -12,000 Z Porch/Patio/Deck Deck/SPorch Deck/None 3,000 None/None 5,000 None/CPorch 2,000 o Extras 1 F/P 1 F/P 1 F/P 1 F/P Ix a f 8 Net Adjustment(Total) 0+ []X- $ 16,000 [)]+ 0- $ 23,100 ❑+ 11- $ 8,500 0, —_-._._.__-.. J Adjusted Sale Price NetAdj. -3.6% Net Act 5.9% Net Act -2.1% y of Cortpr arables Gross Adt 6.7%I S 431,000 GrossAdl. 6.7% $ 414,100 Gross Ark 15.0% $ 401,500 I [Xi did U did not research the sale or transfer history of the subject property and comparable sales.If not,explain My research❑did XO lid not reveal anypnor sales or transfers d the subjed property for the three years prior to the effective date of this appraisal. Data source(s) Register r of Deeds r research ` f did [XJ did not reveal any prior sales or transfers of the comparable sales for the year prior to the date of sate of the comparable sale. Data source(s) Registry of Deeds Report the results of the research and analysis of the prior sale or transfer history of the subjed property and comparable sales(report additional prior sales on page,4 ITEM SUBJECT COMPARABLE SALE NO.1 COMPARABLE SALE NO.2 COMPARABLE SALE NO.3 Date of Prior Sale/Transfer Price of Prior Sate/Transfer Data Source(s) Registry of Deeds Registry of Deeds Registry of Deeds Registry of Deeds Effective Date of Data Source(s) 10/06/2021 10/06/2021 10/06/2021 10/06/2021 Analysis of prior sale or transfer history ofthe subject property and comperabie sales The subject property is not currently listed or under agreement. No _ other sales noted for the subject within 36 months or within 12 months for the comparables other than cited above. Summary of SalesCompanson Approach. Although the general market is appreciating no market adjustment warranted as the sales are recent and reflect current conditions for this sub-market.It was necessary to expand the market search over a mile into the abutting village of West Yarmouth.The subject and sales feature similar underlying site values and warranted no adjustment for differences in site size. Quality of construction and condition adjustments are based on exterior inspection,MLS and assessor's information and interior inspection where noted.Differences in condition adjusted at 5%.Gross living area(GLA)over 100SF is adjusted at$100SF(rounded) which is indicated by the market for properties of this size,quality of construction,and condition.Garage adjusted at$12,000/bay.Sale 2 was adjusted for its seller contributing closing costs. Indicated Value by Sales Comparison Approach$418,000 indicated Value by: Sales Comparison Approach$418,000 Cost Approach(if developed)$384,700 Income Approach(if developed)$0 Primary emphasis was placed on the Sales Comparison Approach as it reflects typical buyer motivation. The Income Approach was considered but not utilized as the typical purchaser is an owner occupant. The Cost Approach,although supportive is less reliable for _ older buildings due to the various costs for local labor and materials. Tns appraisal is made X'as is.' n subject to completion per plans and specifications on the basis of a hypothetical condition that the improvements have been completed, subject to the following repairs or alterations on the basis of a hypothetical condition that the repairs or alterations have been completed,or 0 subject to the following required . Inspection based co the extraordinary assumption that the condition or deficiency does not require alteration or repair: The subject is appraised in an'as is"condition. Based on a complete visual inspection of the interior and extoller of the subject property,defined scope of work,statement of assumptions and limiting conditions,end appraiser's certification,my(our)opinion of the market value,as defined,of the real property that is the subject of this report le$ 418,000 MI of 09/28/2021 ,which is the date of inspection and the effective date of this appraisal. Fredte Mac Formm Mach 2905 UADVersun92011 Prod..usrg ACI,dt.ae lo02318727...wont torn Fenn Mae Formr004 Lerch 2005 Page 2 of ne/_osuro iorrec15 Amy Duffield The Leonard Company Loan#000121080000929 Uniform Residential Appraisal Report He No 2021-0910277 ' Subject value estimate was below predominant neighborhood values.but this did not detrimentally affect marketability as several 1 others homes in the neighborhood were in the same value range. I certify,as the appraiser,that I have completed all aspects of this valuation,induding reconciling my opinion of value,free of influence from the client,client's representatives,borrower or any other party to the transaction. No employee,director,office or agent of the i seller,or any third party acting as a joint venture partner,independent contractor,appraisal company,appraisal management company or partner on behalf of the seller,shall influence the development,reporting or review of an appraisal through coercion,extortion, collusion,compensation,inducement,intimidation,bribery,or in any manner. to w m o et 0 F I COST APPROACH TO VALUE(notrequked by Fannie Mae) Provide adequate information for the lender client to replicate the below cost figures are calculations Support for the opinion of site value(summary of comparable and sales or other methois for est mating site value) Site value in excess of 50%of total value is typical for the region. u ESTIMATED O REPRODUCTION OR a)REPLACESENT COST NEW _OPINION OF SITE VALUE . =S 215 0�00 ao Source of cost data DwelhngCost,Com Dwelling 768 Sq.Ft®$ 204.91............=S 157,371 If Duality rating from cost service 4.6 Effective date of cost data 09/2021 Sq.FL @$ .... _$ a Comments on Cost Approach(gross living area calculations,depreciation,etc.) deck,s porch,fp 37,400 v A•-/Condition based on 70 -•rs to full economic life. Remaining GaragetCarport 0 Sq.FL f3$ _$ 0 I u economic life is 54 years. The gross living area is approximate Total Estimate of Cost-New =$ 194,771 based on exterior measurements by the appraiser and a review of Less 70 Physical Functional Eden* I the assessors field card.The GLA is an approximation only and Depreciation $50,083 t $0 $0 =$( 50,083 should not be considered as exact Depreciated Cost of Improvements _$ 144,8 'As-is'Value of Site Improvements =$ 25 000 —+------. Estimated Remaining Economic Life(HUD and VA only) 54 Years'..INDICATED VALUE BY COST APPROACH =$ 384,700 INCOME APPROACH TO VALUE(natnegiired by Finale Mae) Estimated Monthly Market Rent$ 0 X Gross Rent Multiplier 0 =$ 0 Indicated Value by Income Approach Summary of Income Approach(including support for market rent and GRM) The Income Approach was considered but not utilized as the typical purchaser is an owner occupant. PROJECT INFORMATION FOR PUDs Of applicable) _ Is the developedbulder in control of the Homeowners'Association(HOA)? Li Yes 1 _l No Unit type(s) l-_I Detached El Attached Provide the following information for PUDs ONLY if the developer/builder is in control of the HOA and the erect property is an attached dwelling unit. Legal name of project s Total number of phases Total number of units Total number of units sold Total number of units rented Total number of units for sale Deal source(s) g.Was the project created by the conversion of an existin3 building(s)into a PUD? 0 Yes O No ff Yes,date of conversion ;p Does the project contain an mufti-dwelling units? 1:11_I No Data sou $ z Are the units,common elements.and recreation facilities complete? Yes No If No,descrbe the status of completion. — ,a •a a Are the common elements leased to or by the Homeowners'Association? ❑Yes ❑No If Yes,describe the rental terms and options. I Describe common elements and recreational facilities. -- Fred&Mac Fvm 70 Ma,ch 2005 SAD Version 4.2011 Produced c,as Act schwa Wa 234912r www.a,w6[am Femie Mae Nam 1003 Mad,2005 Pete 3 a 6 'tba osi aD r2,e2o S The Leonard Company Loan#000121080000929 Uniform Residential Appraisal Report File Na 2021-0910277 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 anc 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 tenns 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 Df 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 appraisers 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 this appraisal. Unless otherwise stated in this appraisal report,the appraiser has no knowledge of any hidden or unapparent physical deficiencies or adverse conditions of the property(such as,but not limited to, needed repairs,deterioration,the presence of hazardous wastes,toxic substances,adverse environmental conditions,etc.)that would make the property less valuable,and has assumed that there are no such conditions and makes no guarantees or warranties,express or implied. The appraiser will not be responsible for any such conditions that do exist or for any engineering or testing that might be required to discover whether such conditions exist. Because the appraiser is not an expert in the field of environmental hazards,this appraisal report must not be considered as an environmental assessment of the property. 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. F e 1e Mac For,70 Alan 255 UA0 Version 32011 Produced usmg AGi Wham.100234 P777 mot aM.com Fan,Mae Form 10C4 Mach ZOOS Page 4 tl 5 1000 05030121P2015 The Leonard Company Loan 0000121 080000g29 Uniform Residential Appraisal Report File No. 2021-0910277 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 arid 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 condusions,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 his 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 abcut 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 disdosed 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. 21. The lender/client may disdose 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 appraise'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). FTMe Mac Fam 70 March 2005 IJAC vvs::n 9;27'1 '9d.�,.y,1]AI'l OM.AO1123I A,ri.w ac.,am Page 5 rl5 Fan c Mae F^'-n 10:4 Maw 70,v, The Leonard Company Loan 8000121080000929 Uniform Residential Appraisal Report File No.2021-0910277 22. I am aware that any disdosure 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(exduding 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. 26.Prior Services: I have performed no services,as an appraiser or in any other capacity,regarding the property that is the subject of this report within the three-year period immediately preceding acceptance of this assignment. 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) j:14Signature Signature Name Amy Duffield Name Company Name The Leonard Compani Company Name Company Address 27 Truman Lane Company Address West Yarmouth,MA 02673 Telephone Number 774-836-2098 Telephone Number Email Address duffield@verizon.net Email Address Date of Signature and Report 10/06/2021 _ Date of Signature Effective Date of Appraisal 09/28/2021 State Certification# State Certification#2415 or State License# or State License# State or Other(describe) State# Expiration Date of Certification or License State MA Expiration Date of Certification or License 05/16/2023 ADDRESS OF PROPERTY APPRAISED SUBJECT PROPERTY 64 Holly Ln ❑Did not inspect subject property South Yarmouth,MA 02664-5217 [i Did inspect exterior of subject property from street Date of Inspection APPRAISED VALUE OF SUBJECT PROPERTY$418,000 ❑Did inspect interior and exterior of subject property Date of Inspection LENDER/CLIENT Name Attn:Data Facts,Inc. COMPARABLE_ SALES Company Name Arrha Credit Union (J Did not inspect exterior of comparable sales from street Company Address 145 Industy7 Avenue _ ❑Did inspect exterior of comparable sales from street Springfield,MA 01104 Date of Inspection Email Address FreAde Mac Fom 70 March 2005 UAO Versicn 32011 Prcdured uvigACI afhae 600234 B727 rn.,simab um Fame Mae Farm 1004 Mach 2006 Page6 el6 im4_O5WO 121e015 Amy Duffield The Leonard Company Loan#000121080000929 Uniform Appraisal Dataset Definitions File No. 2021-0910277 Condition Ratings and Definitions C 1 The improvements have been very recently constructed and have not previously been occupied.The entire structure and all components are new and the dwelling features no physical depredation.' 'Note:Newly constructed improvements that feature recycled materials and/or components can be considered new dwellings provided that the dwelling is placed on a 100%new foundation and the recycled materials and the recycled components have been rehabilitated/re-manufactured into like-new condition.Recently constructed improvements that have not been previously occupied are not considered'new'if they have any significant physical depreciation(i.e.,newly constructed dwellings that have been vacant for an extended period of time without adequate maintenance or upkeep). C2 The improvements feature no deferred maintenance,little or no physical depreciation,and require no repairs.Virtually all building components are new or have been recently repaired,refinished,or rehabilitated.All outdated components and finishes have been updated and/or replaced with components that meet current standards.Dwellings in this category either are almost new or have been recently completely renovated and are similar in condition to new construction. 'Note:The improvements represent a relatively new properly that is well maintained with no deferred maintenance and little or no physical depreciation,or an older property that has been recently completely renovated. C3 The improvements are well maintained and feature limited physical depredation due to normal wear and tear.Some components,but not every major building component,may be updated or recently rehabilitated.The structure has been well maintained. 'Note:The improvement a in its first-cycle of replacing short-lived building components(appliances,floor coverings,HVAC,etc.)and is being well maintained.Its estimated effective age is less than its actual age.It also may reflect a property in which the majority of short-lived building components have been replaced but not to the level of a complete renovation. C4 The improvements feature some mina deferred maintenance and physical deterioration due to normal wear and tear.The dwelling has been adequately maintained and requires only minimal repairs to building components/mechanical systems and cosmetic repairs.All major building components have been adequately maintained and are functionally adequate. 'Note:The estimated effective age may be close to or equal to its actual age.It reflects a property in which some of the short-lived building components have been replaced,and some short-lived building components are at or near the end of their physical life expectancy;however,they still function adequately.Most minor repairs have been addressed on an ongoing basis resulting in an adequately maintained property. C5 The improvements feature obvious deferred maintenance and are in need of some significant repairs.Some building components need repairs,rehabilitation,or updating.The functional utility and overall livability is somewhat diminished due to condition,but the dwelling remains useable and functional as a residence. 'Note:Some significant repairs are needed to the improvements due to the lack of adequate maintenance.It reflects a property in which many of its short-lived building components are at the end of or have exceeded their physical life expectancy but remain functional C6 The improvements have substantial damage or deferred maintenance with deficiencies or defects that are severe enough to affect the safety,soundness,or structural integrity of the improvements.The improvements are in need of substantial repairs and rehabilitation,including many or most major components 'Note:Substantial repairs are needed to the improvements due to the lack of adequate maintenance or property damage.It reflects a properly with conditions severe enough to affect the safety,soundness,or structural integrity of the improvements. Quality Ratings and Definitions Q1 Dwellings with this quality rating are usually unique structures that are individually designed by an architect for a specified user.Such residences typically are constructed from detailed architectural plans and specifications and feature an exceptionally high level of workmanship and exceptionally high-grade materials throughout the interior and exterior of the structure.The design features exceptionally high-quality exterior refinements and ornamentation,and exceptionally high-quality interior refinements.The workmanship,materials.and finishes throughout the dwelling are of exceptionally high quality. Q2 Dwellings with this quality rating are often custom designed for construction on an individual property owner's site.However,dwellings in this quality grade are also found in high-quality tract developments featuring residences constructed from individual plans or from highly modified or upgraded plans.The design features detailed,high-quality exterior omamentation,high-quality interior refinements,and detail.The workmanship,materials,and finishes throughout the dwelling are generally of high or very high quality. Q3 Dwellings with this quality rating are residences of higher quality built from individual or readily available designer plans in above-standard residential tract developments or on an individual property owner's she.The design includes significant exterior ornamentation and interiors that are well finished.The workmanship exceeds acceptable standards and many materials and finishes throughout the dwelling have been upgraded from'stork'standards. Q4 Dwellings with this quality rating meet or exceed the requirements of applicable building codes.Standard or modified standard building plans are utilized and the design includes adequate fenestration and some exterior ornamentation and interior refinements.Materials,workmanship,finish,and equipment are of stock or builder grade and may feature some upgrades. Q5 Dwellings with this quality rating feature economy of construction and basic functionality as main considerations.Such dwellings feature a plain design using readily available or basic floor plans featuring minimal fenestration and basic finishes with minimal extenor ornamentation and limited interior detail.These dwellings meet minimum building codes and are constructed with inexpensive,stock materials with limited refinements and upgrades Q6 Dwellings with this quality rating are of basic quality and lower cost;some may not be suitable for year-round occupancy.Such dwellings are often built with simple plans or without plans,often utilizing the lowest quality building materials.Such dwellings are often built or expanded by persons who are professionally unskilled or possess only minimal construction skills.Electrical,plumbing,and other mechanical systems and equipment may be minimal or non-existent.Older dwellings may feature one or more substandard or non-conforming additions to the original structure. Definitions of Not Updated,Updated,and Remodeled Not Updated Little or no updating or modernization.This description includes,but is not limited to,new homes. Residential properties of fifteen years of age or less often reflect an original condition with no updating,if no major components have been replaced or updated.Those over fifteen years of age are also considered not updated if the appliances,fixtures,and finishes are predominantly dated.An area that is'Not Updated'may still be well maintained and fully functional,and this rating does not necessarily imply deferred maintenance or physical/functional deteriorative. Updated The area of the home has been modified to meet current market expectations.These modifications are limited in terms of both scope and cost An updated area of the home should have an improved look and feel,or functional utility.Changes that constitute updates include refurbishment and/or replacing components to meet existing market expectations.Updates do no include significant alterations to the existing structure Remodeled Significant finish an dlor structural changes have been made that increase utility and appeal through complete replacement and/or expansion. A remodeled area reflects fundamental changes that include multiple alterations.These alterations may include some or all of the following:replacement of a major component (cabinet(s),bathtub,or bathroom tile),relocation of plumbing/gas fixtures/appliances,significant structural alterations(relocating walls,and/or the addition of square footage). This would include a complete gutting and rebuild. Explanation of Bathroom Count The number of full and half baths is reported by separating the two values by a period.The full bath is represented to the left of the period.The half bath count is represented to the right of the period.Three-quarter baths are to be counted as a fug bath in all cases.Quarter baths(baths that feature only toilet)are not to be included in the bathroom count. UAD Vesi0n 92011 Produced uvmq ACI schwa 800231x171 rww.rnrd min 1034 059AD 121e015 Uniform Appraisal Darien ONnillens The Leonard Company Loan N000121080000929 Uniform Appraisal Dataset Definitions File No. 2021-0910277 Abbreviations Used in Data Standardization Text Abbrev. Full Name Appropriate Fields Abbrev. Full Name Appropriate Fields ac Ames Area,Site in Interior Only Stairs Basement&Finished Rooms Below Grade AdjPrk Adjacent to Park Location Lndfl Landfill Location AdlPNr Adjacent to Power Lines Location LtdSght Limited Sight View A Adverse Location&View Listing Listing Sale or Financing Concessions ArmLth Arms Length Sale Sale or Financing Concessions MR Mid-Rise Structure Design(Style) AT Attached Structure Design(Style) Mtn Mountain View View ba Bathroom(s) Basement&Finished Rooms Below Grade N Neutral Location&View br Bedroom Basement&Finished Rooms Below Grade NonArm Non-Arms Length Sale Sale or Financing Concessions B Beneficial Location&View op Open Garage/Carpat BsyRd Busy Road Location o Other Basement&Finished Rooms Below Grade cp Carport Garage/Carport 0 Other Design(Style) Cash Cash Sale or Financing Concessions Prk Park View View CtySky City View Skyline View View Pstrl Pastoral View View CtyStr City Street View View PwrLn Power Lines View Comm Commercial Influence Location PubTm Public Transportation Location c Contracted Date Date of Sale/Time rr Recreational(Rec)Room Basement&Finished Rooms Below Grade Cons Conventional Sale or Financing Concessions Relo Relocation Sale Sale or Financing Concessions cv Covered Garage/Carport REO REO Sale Sale or Finandng Concessions CrtOrd Court Ordered Sale Sale or Financing Concessions Res Residential Location&View DOM Days On Market Data Sources RT Row or Townhouse Design(Style) DT Detached Structure Design(Style) RH Rural Housing-USDA Sale or Financing Concessions dw Driveway Garage/Carport SD Semi-detached Structure Design(Style) Estate Estate Sale Sale or Financing Concessions s Settlement Date Date of Sale/Time e Expiration Date Date of Sale/Time Short Short Sale Sale or Financing Concessions FHA Federal Housing Authority Sale or Financing Concessions sf Square Feet Area,Site,Basement g Garage Garage/Carport sqm Square Meters Area,Site,Basement ga Garage-Attached Garage/Carport Unk Unknown Date of SalefTime gbi Garage-Built-in Garage/Carport VA Veterans Administration Sale or Financing Concessions gd Garage-Detached Garage/Carport wo Walk Out Basement Basement&Finished Rooms Below Grade GR Garden Structure Design(Style) wu Walk Up Basement Basement&Finished Rooms Below Grade GlfCse Golf Course Location WtrFr Water Frontage Location Glfvw Golf Course View View Wtr Water View View HR High Rise Structure Design(Style) w Withdrawn Date Date of SaleTime Ind Industrial Location&View Woods Woods View View Other Appraiser-Defined Abbreviations Abbrev. Full Name Appropriate Fields Abbrev. Full Name Appropriate Fields • UAD Venda%9@011 Pmduae0usiwACi wham res2ata127 ww'.arebmm 100105110 1211015 (Maim Appraisal Diease1 DMMims ADDENDUM Borrower: Mary Lou Manning&David Mannilg III Fie No.: 2021-0910277 Property Address: 64 Holy Ln Case No.: Loan#000121080000929 City South Yarmouth _ State: MA Zip: 02664-5217 Lender Arrha Credit Union COVID-19 Statement: The global outbreak of a"novel coronavirus"known as COVID-19 was officially declared a pandemic by the World Health Organization(WHO).It is currently unknown what direct,or indirect,effect,if any,this event may have on the national economy,the local economy or the market in which the subject property is located.The reader is cautioned,and reminded that the conclusions presented in this appraisal report apply only as of the effective date indicated.The appraiser makes no representation as to the effect on the subject property of this event,or any event,subsequent to the effective date of the appraisal. Appraisal Report: This is an Appraisal Report which is intended to comply with the reporting requirements set forth under Standard Rule 2-2(a) of the Uniform Standards of Professional Appraisal Practice and stated Scope of Work. As such this report represents only summary discussions of the data,reasoning,and analyses that were used in the appraisal process to develop the appraisers opinion of value.Supporting documentation that is not provided with the report concerning the data,reasoning, and analysis is retained in the appraisers file.The depth of the discussion contained in this report is specific to the needs of the client and for the intended use stated in the report. The appraiser is not responsible for the unauthorized use of the report. Intended Use and User: The Intended User of this appraisal report is the Lender/Client.The intended use is to evaluate the property that is the subject of this appraisal for a mortgage finance transaction,subject to the stated scope of work,purpose of the appraisal, reporting requirements of this appraisal report form,and definition of market value.No additional intended users are identified by the appraiser. Scope of Work: The appraiser is not a home or environmental inspector.The appraiser provides an opinion of value.The appraisal does not guarantee that the property is free of defects or environmental problems.The appraiser performs an inspection of visible and accessible areas only,as is consistent for market valuation purposes.If the client is concerned about structural or environmental issues with this property,an inspection by a qualified professional is recommended. This report is not a home inspection,only a visual inspection of readily accessible areas was performed.This report is not to be relied on to disclose conditions and/or defects in the property.Simply because a borrower or third party"may"receive a copy of this appraisal,they should not be relying on it to disclose any conditions or defects,that is the job of a home inspector. The value of the subject property as developed by this appraiser per the date of value includes all the improvements inspected by the appraiser on the date of value and described in this appraisal report.This includes updates,renovations, attic finish,basement finish,over garage finish and/or any detached structure.Information from the assessor's field cards, real estate sales person,owner,and/or MLS pages are relied upon as credible. Determining the status of building permits per town records goes beyond the scope of this appraisal. Scope of Work Regarding UAD Compliant Reports: At the request of the client,this appraisal report has been prepared in compliance with the uniform appraisal dataset(UAD) from Fannie Mae and Freddie Mac. The UAD requires the appraiser to use standardized responses that include specific formats,definitions,abbreviations,and acronyms. The appraiser attempted to obtain an adequate amount of information in the normal course of business regarding the subject and the comparable properties. Some of the standardized responses required by the UAD,especially those in which the appraiser has not had the opportunity to verify personally or measure, could mistakenly imply greater precision and reliability in the data than is factually correct or typical in the normal course of business. Consequently,this information should be considered an"estimate"unless otherwise noted by the appraiser.As more information becomes available to the appraiser the C(condition)ratings and Q(quality)ratings for sales may change from one appraisal report to another. These changes will be made in order to produce a more credible appraisal report. The Uniform Appraisal Dataset(UAD)mandates classification of property characteristics(for the subject and comparables) using a standard response and rating system.The UAD is not flexible and employs a"best fit methodology'(from limited choices)as opposed to user defined terms.In some cases,the appraiser's rating from the UAD list may be different from another appraiser's opinion of the same attribute.The appraiser completed the report to comply with the UAD while considering the observed characteristics of the subject and comparables(from a distance)and factored those into the value reconciliation. Geographic/Market Competency: This appraiser has been appraising in the Eastern section of Massachusetts for 35 years and has been involved in real estate on various levels since that time. The subject property is located 5+!-miles from the appraiser's office. The assignment requires geographic/market competency as part of the scope of work.I am confirming that I have spent sufficient time to gain adequate knowledge,experience and resources to communicate a credible opinion of market value for the subject property. The necessary understanding of local market conditions provides the connection between a sale and a comparable sale or a rental and a comparable rental. This opinion is based on the appraiser's full time,working knowledge of the subject's specific marketing area,including local supply and demand factors which relate to the subject's property type and its'specific location. Additionally,the appraiser's credentials include on-going formal education,analysis of current market-driven statistics,subscriptions and review of published real estate periodicals and cost manuals,and regularly networking with individuals involved in real estate transactions. Research: This appraiser researched this market with the use of Multiple Listing Service.Also used was Bankers and Tradesman online service.After analyzing the sales available this appraiser choose those arms length sales considered most comparable to the subject in gross living area,neighborhood and utility. Flood Map Information: This appraiser utilized Flood Insight an online flood mapping service provided by ACI and considered a reliable source of flood data for appraisers in this market area.To the best of my abfity I have made a determination of the subjects location Addendum Page 1 or 3 ADDENDUM Borrower: Mary Lou Manning&David Manning III Fie No.: 2021-0910277 Property Address: 64 Holy Ln Case No.: Loan 0000121080000929 City South Yarmouth State MA Zip: 02664-5217 Lender: Anha Credit Union on FEMA flood map however if the client should require a more precise determination,a certified civil engineer should be contracted. For Flood information discrepancy with the lender's certification,lender certification supersedes appraisal information. Subject's Deed: The subject's deed was reviewed on line at the Registry of Deeds.It is assumed that property title is clear,property rights are appraised fee simple and that land area considered in this report is as reported by public records. Legal Non Conforming Zoning: When a property is damaged by fire or other natural causes,it may be rebuilt to the original footprint however it must meet all applicable current building codes and time restrictions.Should further details or clarification become necessary please refer to the local building department.This appraiser is not qualified to make this legal determination. It is not uncommon for the zoning of a parcel in Eastern Massachusetts to be noted as"legal,non-conforming".The area has undergone tremendous growth periods.Local communities have attempted to control growth by increasing the lot size the lot size required to build.With the constant increase of minimum lot size,more and more pre-existing,legal lots come into being.This situation does not induce a negative marketing influence on the subject.By State law,if the subject is the victim of a tragic fire,the dwelling can be rebuilt using the same footprint. All sales and subject were legal,non conforming uses which is typical of this area.The legal non conforming use does not negatively affect the marketability or any adverse impact on value. If the subject is privately maintained,what is the cost to the homeowner?Public Street. Land Value: High land value reflect the minimum sales price for a lot in this neighborhood. The land to improvements ratios of the sales and/or listings analyzed were similar to that of the subject property. Private on-site Wastewater System: The town does not offer public sewers in this area. Many residential communities in Eastern Massachusetts do not offer public sewers and private on-site wastewater systems are an acceptable alternative and are market accepted. Effective March 31, 1995,Chapter 310,Section 15 of the code of Massachusetts Regulations(310cmr15.000), "the State Environmental Code, Title V;standard requirements for the siting,construction,repair,replacement,and maintenance of on-site sewage treatment and disposal systems for the transport and disposal of septage,"went into effect. This appraisal is made under the assumption that the subject property conforms to the guidelines and limits of the regulations. If the property does not conform,the opinion of market value can cha'ige by an unspecified amount. Upon transfer of a property,it is the responsibility of the lender and/or the client to certify compliance. Photos: Photos of the subject property were taken by this appraiser on the day of inspection. Some of the comparable photos may be MLS or electronic files used due to adverse conditions and/or trespassing constraints. All photos are intended to best represent the properties in the analysis. Neighborhood Description: access to numerous beaches along Nantucket Sound. 3oating access along Bass River. Commercial use is service oriented and located along Route 28. Market Conditions: Based on these statistics the Yarmouth single family market has appreciated in median sale price of 11%and sold under 3 months of being placed on the market. Exposure Time: Estimated length of time that the property interest being appraised would have been offered on the market prior to the hypothetical consummation of a sale at market value or the effective date of the appraisal.Based on the Opinion of Market Value,the appraiser's opinion of reasonable exposure time is between 1-3 months. Highest&Best Use: Defined`:The reasonable and probable use that results in the highest present land value of the land after considering all legally permissible,physically possible and economically feasible uses.The four criteria for highest and best use are as follows:legal permissibility,physical possibility,financial feasibility and maximum profitability.It is typically defined under two different premises:as if the site were vacant and could be improved in an optimal manner and or as the site is currently improved. As if vacant:The use of the property under the assumption that a parcel of land is vacant or can be made vacant through demolition of any improvements. As if improved:The use that should be made of the property as it exists. ("Dictionary of Real Estate Appraisal,5th edition,Chicago,IL,Appraisal Institute) The subject is a legally permissible use based on its current zoning,or is a pre-existing non-conforming use.The lot size, shape and land-to-building ratio allow the present structures and indicate a good utilization of the improvements.Based on current market conditions,the existing structure as a single family residence is its financially feasible and maximally productive use.The highest and best use,as if vacant,would be to construct a single family residence. Reconciliation: Addendvn Page 2 of 3 ADDENDUM _Borrower: Mary Lou Marring&David Mamng III Fie No.: 2021-0910277 Property Address: 64 Holy Ln Case No.: Loan#000121080000929 City...South Yarmouth - -__—_-- State: MA Zip: 02664-5217 Lender An-ha Credit Union In arriving at the indicated value for the subject property,the appraiser considered all three approaches to value. The Sales Comparison approach was considered to be the most appropriate and reliable method of valuation for residential single family homes as there was adequate market data.In addition,the direct sales comparison approach mirrors the actions of buyers and sellers participating within this market.The Cost Approach is best suited for new or unique properties and when there are adequate vacant land sales to determine a site value.The Cost Approach is less reliable for older buildings due to the various costs for local labor and materials.The Income approach was considered but not developed as single family homes in this market are typically owner-occupied and/or occupied as a 2nd home as opposed to purchase for income producing potential. After collection and analysis of available market data,the Sales Comparison Approach indicates and supports a market value opinion of$418,000 for the subject property. Description of License in Report: Due to the UAD form limitations and lender/client requirements,the appraiser has entered a"number only"under the State Certification number in the appraisal report. The correct mandatory license identification for this appraiser,as required the by Massachusetts State regulation is Massachusetts Certified Residential Real Estate Appraiser#2415,which can also be identified as MA C.R.R.E.Appraiser#2415. A copy of the appraiser's license is attached to this appraisal report. Additional Certification for Appraisal Institute Members,Candidates and Practicing Affiliates Appraisal Institute Designated Member,Candidate,of Practicing Affiliate Certify: • The reported analyses,opinions,and conclusions were developed,and this report has been prepared,in conformity with the requirements of the Code of Professional Ethics and the Standards of Professional Appraisal Practice of the Appraisal Institute. • The use of this report is subject to the requirements of the Appraisal Institute relating to review by its duly authorized representatives. I am a Candidate for Designation in the Appraisal Institute. As of the date of this report,I have completed the Standards and Ethics Education Requirements for Candidates of the Appraisal Institute. Adcen hm Page 3 d 3 SUBJECT PROPERTY PHOTO ADDENDUM Borrower Mary Lou Manning&David Manning III File No 202 1-091 0277 Property Address:64 Holly Ln Case No..Loa, "000121080000929 City:South Yarmouth State:MA Zip:02664.5217 Lender:Arrha Credit Union ;a- ,` y 4 'a§ d ,Y ' t .. '.+ ' FRONT VIEW OF � s. `�' SUBJECT PROPERTY Appraised Date:September 28,2021 ,! , Appraised Value:$418,000 i Jilr, ■ --- p , , t* , h. I v *3. #s, o REAR VIEW OF -r; y, I SUBJECT PROPERTY 3kAaT- • a _ " ' ' STREET SCENE 411i, , "i'-e'r y7 w.•� ., - 4 3-1 r. Subject Photographs Borrower:Mary Lou Manning&David Manning III File No 2021-0910277 Property Address:64 Holly Ln Case No..Loan 8t000 1 21 0 80000 929 City:South Yarmouth State: MA Zip:02664-5217 Lender:Arrha Credit Union 14. „a,�,. a x [ -fi ,./ Front/Side Front/Side Rear View R .' ''' '''''s ...-- cst.' _. 4 w Hot Water Heater Electrical Panel Sc.:—nd Porch r- Illiv,...- . _.i.. • 1 Kitchen Living Room Full Bath k.-a ..4 :'..Alt W IL i Bedroom Bedroom arxutea uwy#ti vilwae 800 23481 ow*Kn.*own wn12 COMPARABLE PROPERTY PHOTO ADDENDUM Borrower:Mary Lou Manning&David Manning III File No 2021-0910277 Property Address:64 Holly Ln Case No Loan#000121080000929 City.South Yarmouth State. MA Zip:02664-5.2.17 Lender:Arrha Credit Union COMPARABLE SALE#1 56 Crowes Purchase Rd ,fit.,-,'„ , � ; West Yarmouth,MA 02673-5004 Sale Date:s06/21;c04121 Sale Price:$447,000 3T FS.IH: fFr."'' " � J COMPARABLE SALE#2 i ` - t • } 64 Baxter Ave � < West Yarmouth,MA 02673-8309 '�., ° _ r IV y Sale Date: s09/21:c08/21 1t_ -i --"; -''? Sale Price:$391.000 o . 10 • , t L:a COMPARABLE SALE#3 69 S Sea Ave West Yarmouth.MA 02673-5013 T Sale Date. s06/21:c05/21 --.. " Sale Price:S 410.000 • -~ ---ir �• $ - •- irnilit . FLOORPLAN SKETCH Borrower.Mary Lou Manning&David Manning III__ File No.: 2021-0910277 Property Address:64 Holly Ln Case No.:Loan 8000121080000929 City:South Yarmouth State; MA Zip:02664-5217 Lender.Arrha Credit Union Bath Kitchen Bedroom Bedroom Living Room Comments: AREA CALCULATIONS SUMMARY LIVING AREA BREAKDOWN Code Description Net Site Net Totals Breakdown Subtotals GIA1 First Floor 768.00 768.00 First Floor 32.0 x 24.0 768.00 Net LIVABLE Area (rounded) 768 1 Item (rounded) 768 FLOOD MAP Borrower.Mary Lou Manning&David Manning Ill File No.: 2021-0910277 Property Address:64 Holly Ln Case No.:Los,e00021080000929 City South Yarmouth State:MA Zip:02664-5217 Lender Arrha Credit Union t Subject 64 HCLL LN SOUTH YARMOLTH, MA 02564 • FLOOD INFORMATION LEGEND Community: Town of Yarmouth _FEMA Special Flood Heza•d Area- High Pisa Property is in a FEMA Special Flood Hazard Area High Risk Map Number:25001C0589J -Mode-ate and Mamral Risk Areas Panel 25001C0589 Road View: Zone. AE Map Date: 07-16-2014 rofest Water FIPS:2500' Source:FEMA DFIRM Sky Flood' Narepeestna:w,.:- «rrantasrow,/Dalyandercnp the cnr*erp,„a.a,s-,to,: +M; e%a(tlysiuodriPertnaedn9w+Yn6...a*ydmerdwitabityor r-..n+rac fry.a rartNra.nrrn n is,.nriv s a p.._,'srlxtl WiAl sr:J.ej Tartars Mar n twro, tepees axi aa.ap'wrs+f uu P.xt mFw..4.�...,ec...e at m.eM.orsinn Na .here o acrrpewt to ary th d csry, kr.arry urc v'r+e+we of fk:e tte„o.4 rnep mr ea data Recorded Plan Borrower: Mary Lou Manning&David Manning III File No.: 2021-0910277 Property Address:64 Holly Ln Case No.:Loan#000121080000929 City.South Yarmouth State:MA Zip:02664-5217 Lender.Arrha Credit Union 1 0 FNp�T A L 0 FNgT F O #ITS A L O F ENgliTt °`ice , 1 f k .\\ ^^'.» I -j r ' ,..,. t 1, 1 ' " i1 , » 1 r 1 »� I .2--� i _a iteI . @ � » l . " . R . �. it s i. f hiP I r .4 1 S„I, --._ = rl '' -', 'y�i .- " IIµ 4- "r°a S ;Y`1 ...,-.” r .' rt i I � - g g.»:. '',$ .e. r.tD 1 t i "". 1 :j..:s+ �1 u ( I i .ems. i s+ dd I.,r T i i ( a 1 a it ` �; r 1.. 1 e i ,- t s ..mow. ..( . i i .�.°. fir' 'i. .•.t..ll . . \ gat ; ', SOUND SIDE VILLAGE -+ \ "�+ \ 4t 1 2 Wpbk,Wfli O iit*DTI Ont.W+Mea'•,I. I "it ' .i S ..4 G<R CCW K4 ClTSCC C:u2 WC __I Aerial Map Borrower:Mary Lou Manning&David Manning III File No.: 2021-0910277 Property Address:64 Holly In Case No.:Loa,0000121080000929 City.South Yarmouth State:MA Zip:02664-5217 Lender:Arrha Credit Union 11100 w 4.) t' r lis 1t t - fry` 1 a,,.,. .. 11, g. 0 ' ` 1 1 LOCATION MAP Borrower.Mary Lou Manning&David Manning Ill File No.: 2021-0910277 Property Address:64 Holly Ln Case No.:Loan N000121080000929 City:South Yarmouth State:MA Zip:02664-5217 Lender:Arrha Credit Union Lr 0,4), "ICI.Cape HWy 4LC' j ,>k1 Town Hcu.e fin . J F 2. µ{ buck fStaRU G, ,s,e . Comparable Sale 2 e,,o4 iq,v49•4 64 Barter Ave West Yarmouth,MA 02673-8309 O 2 69 miles NW Subject 64 Holly Ln Comparable Sale 3 5 , South Yarmouth,MA 02664-5217 li3 69 3 Sea Ave t ,,w West Yarmouth.MA 02673-5013 t 1.19 miles SW Whydah Pirate Museum YARMOUTH z" A , C s, u $.bM1r�w A Comparable Sale 1 56 Crowes Purchase Rd West Yarmouth.MA 02673-5004 I '- �-'ti aa,,. 1 23 miles SW A V\ Ca a G oog f e -1 Map data Q12021 The Leonard Company Loan#000121080000929 Market Conditions Addendum to the Appraisal Report File No. 2021-0910277 I The purpose of this addendum is to provide the lender/client with a dear and accurate understanding of the market trends and conditions prevalent in the subject neighborhood.This is a required addendum for all appraisal reports with an effective date on or after April 1,2009. Property Address 64 Holly Ln city South Yarmouth State MA Zip code 02664-5217 Borrower Mary Lou Manning&David Manning Ill I Instructions: The appraiser must use the information required on this form as the basis for his/her conclusions,and must provide support for those conclusions,regarding housing trends and i overall market conditions as reported in the Neighborhood section of the appraisal report form.The appraiser must fill in all the information to the extent it is available and reliable and must provide 1 analysis as indicated below.If any required data is unavailable or is considered unreliable,the appraiser must provide an explanation.It is recognized that not all data sources will be able to I provide data fa the shaded areas below,if it is available.however,the appraiser must include the data in the analysis.if data sources provide the required information as an average instead of the ) median,the appraiser should report the available figure and identify it as an average.Sales and listings must be properties that compete with the subject property,determined by applying the criteria that would be used by a prospective buyer of the subiect property.The appraiser must explain any anomalies in the data,such as seasonal markets,new construction,foreclosures,etc. Inventory Analysis Prior 7-12 Months Prior 4-6 Months Current-3 Months Overall Trend Total#of Comparable Sales(Settled) 6 6 3 ( I Increasing 1 i Stable ,XI Declining 1 Absorption Rate(Total Sales/Months) 1.00 2.00 1.00 Increasing I 'Stable ....X Declining Total#of Comparabe Active Listings 0 1 1 L I Declining rX(r Stable Increasing Months of Housing Supply(Total Listings/Ab.Rate) 0.00 0.50 1.00 i )Declining j Stable X Increasing Median Sale&List Mee,DOM,Salellist% Pnor 7-12 Months Prior 4-6 Months Current-3 Months Overall Trend Median Comparable Sale Price 345.000 340.500 398.000 X increasing `Stable i •Declining Median Comparable Sales Days on Market 11 6 7 Oechmng I X'Stable • Increasing v) Median Comparable List Price 0 389,900 449.000 X increasing 1 t Stable Declining '>- Median Comparable Listings Days on Market 0 5 14 Declining S ; AStable Increasing 'a Median Sale Price as%of List Price 101.00% 104.00% 102-00% Increasing X;Stable !Declining Seller-(developer,builder,etc.(paid financial assistance prevalent? ( )Yes X No r J Declining Tx Stable Increasing u Explain in detail the seller concessions trends for the past 12 months(e.g.,seller contributions increased from 3%to 5%,increasing use of buydovms,closing costs,condo fees,options.etc.). I a Based on a review of the comparable sales in MLS over the past twelve months in the subject's market,there does not appear to be a significant increase in reported sales concessions. Typically the most common concession found in this market is the seller offering to t contribute to the buyer's closing costs. w Ice a 2 Are foreclosure sales(REO sates)a factor in the market? ❑Yes ©No if yes,explain(including the trends in listings and sales of foreclosed properties). The subject is located in an area where there are not a significant number of foreclosed properties that would effect the marketability of the other homes on the market. Cite data sourcesfa above information. The data sources for the above information are Cape Cod&Islands Multiple Listing Service. Summarize the above information as support for your conclusions in the Neighborhood section of the appraisal report form.If you used any additional information,such as an analysis of pending sales andor expired and withdrawn listings.to formulate your conclusions.provide both an explanation and support for your conclusions. I haveperformed an analysis according_to the criteria set for this form.Due to the extremely small sample size,this information is felt to be unreliable in recognizing trends.Therefore.I have expanded my research to include the subject's total market area.This allows a ' large enough sample size to lend itself to more reliable statistical analysis.In my opinion,the subject's submarket trend is reflected better in the larger market area analysis. Exposure Time: estimated length of time that the property interest being appraised would have been offered on the market prior to the hypothetical consummation of a sale at market value on the effective date of the appraisal.Based on the Opinion of Market Value,the appraiser's opinion of reasonable exposure time is between 1-3 months. I if the subject is a unit in a condominium or cooperative project,complete the following: Project Name: Subject Project Data Prior 7-12 Months Prior 4.6 Months Current-3 Months Overall Trend Total#of Comparable Sales(Settled) •Increasing Stable I '..Declining • Absorption Rate(Total Sales/Months) Increas:ng Stable I Declining Total#of Active Comparable Listings ) S I Declining Stable Increasing Months of Unit Su Total Listings/All Rate Pdyl ) �I Declining H!Stable Increasing Are foreclosure sales(REO sales)a factor in the project? U Yes L.No If yes,indicate the number of REO listings aid explain the trends in listings and sales of foreclosed properties. w 3 d a a 4 0 O 0 0 z 0 Summarize the above trends and address the impact on the subject unit and project. APPRAISER SUPERVISORY APPRAISER(ONLY IF REQUIRED) e Signature___Eii Signature Name Amy Duffield Name Company Name The Leonard Company Company Name Company Address 27 Truman Lane Company Address West Yarmouth,MA 02673 State License/Certification#2415 State MA State License/Certification# State Email Address duffield@verizon.net Email Address rn Mac Form 71 March 41e9 wduad wing xCt whom.SW/AWE mow.cwamm Fannie Mae Fare iserWC Marty MI Page 1 at 1 raa1MC Aa9o9a9® License Page Borrower:Mary Lou Manning&David Manning III File No.: 2021-0910277 Property Address:64 Holly Ln Case No.:Loan#000121080000929 City:South Yarmouth State:MA Zip:02664-5217 Lender:Arrha Credit Union •u ILL• . • . 3 MOON OON OF PRCOFESSICOPIALIUOISMORE BOARD OF REAL ESTATE APPRAISERS ISSUES THE FOLLOWING LICENSE CERT RES.REAL ESTATE APPRAISER AMY L DUFFIELD it?" 27 TRUMAN INWEST YARMOUTH,MA 02673-2788 2416 05J1612023 29919 �� �� Town of Yarmouth Conservationy Office OvI ;: y bdirienzo@yarmouth.ma.us `', MA,: N : Z Conservation Commission •,,, ,4Po u.�,,. Building Permit Sign-off Application TO BE FILLED OUT BY BUILDING PERMIT APPLICANT: Building Site Location: 6 / A+?/€r C.;� , -.S-, l/Zc- i - { Map # -_5 _ Lot(s) # i <e Property Owner: 1 ',"7(_-ovv 0/1C in i" �� Date filed: :_3/Ca ( z -3 *Applicant: Pck4T- 1cj c l S .J Applicant Address: 1',o, 30?‹ 3L( L( V — Foci Email: p cCT�C(i--o L.'S 7 ` A� cau e�. c ,� -2 -2(-7/t Telephone: -2(-7/-3 S if-- Cr v S Please ote:by ubmitting this application,the applicant grants permission to the Conservation Office to enter the location to conduct a site visit(if needed). Proposed Project Description: g 0,kci. , .Sc rz=e-in -- t p ctr J- C7 Lott c c) Iou ci, 1 OL e - -s"h(y-) ,:2 Ce(J`; "7 e 1 vn t✓1-1-- 1-ell- or &v'S,-C Site Plan Title/Date: ///l b'/20 2 7 (,,(C -- OYY1M TO BE FILLED OUT BY CONSERVATION ADMINISTRATOR: Does the proposed project require a permit? e' v. , - Refer to: SE83- or DOA permit Comments from Conservation Commission: Approved Conditionally Approved Rejected Conservation Commission Sign-off Signature: f4Cty. Date: Z.I(0 1 Z01.3 *TO APPLICANT: All work-related debris shall be taken offsite or disposed in a legal upland location. At the end of each day, the area shall be clean and no debris shall be in the Resource Area. If work is permitted under an Order of Conditions, please arrange a pre-construction site visit with the Conservation Administrator. At the time of site visit, the MassDEP File Number sign must be installed, along with the erosion control/work-limit line. A copy of the Order of Conditions must remain on-site during construction. Please refer to the Order of Conditions for further details. o YqR TOWN OF YARMOUTH • HEALTH DEPARTMENT o x: :r PERMIT APPLICATION SIGN OFF TRANSMITTAL SHEET To be completed by Applicant: Building Site Location: ca Li M /(Y L✓t. i p �I , Proposed IImprovement: D✓1 lot c1 addr `daF-1SS 'o t ct r,e o►-t/y e ✓���� S � 0'(- In oi Se• a ,S ct Cc r -; r,k >�rori�` is cr D't^ C 2 Q.. c.h SC,IA.0L..rt-v" C S' (ace c'F L J� r- �cs - i11 Applicant: CAL' 1-jh SC c Tel. No.: 7 N-353-(. Address: P. b• BOX 311y oU Poel- mg- 006,7 S— Date Filed: //9/30a 3 **If you would like e-mail notification of sign off,please provide e-mail address: 1)1 CZCo 15 746 f %oO, c a i i Owner Name: 046147 LOJ D44,e, v1461.4,i Owner Address: Co q (to f y l , S ' o(A- 0 Owner Tel. No.: RESIDENTIAL AND/OR COMMERCIAL BUILDING HEALTH DEPARTMENT: Determines Compliance to State and Town Regulations; i.e., Requirements For Septage Disposal and other Public Health Activities. Please submit three (3) copies of plans, to include: (1.) Site Plan showing existing buildings, water line location, and septic system location; (2.) Floor plan labeling ALL rooms within building JAN 12 2023 (all existing and proposed) — Note:Floor plans not required for decks,sheds, windows,roofing; 1-1`4`74-i DE PT (3.) If necessary, Title 5 application signed by licensed installer with fee. REVIEWED BY: DATE I //71.1 3 PLEASE NOTE COMMENTS/CONDITIONS: S C 4-4( 0pc h I 471'0 — S 54CWJ) Gti. LAa N' f loci -tc, %mat.t W d\ gvocryvN c