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6020 Lido Lane LONG BEACH CA 908031 MLS PW14000245I Listing Information I Real Living Pacific Page 1 of3
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6020 Lido Lane LONG BEACH CA 90803(Active) Share Like
$7495000 I 5 beds 4 Full1 Three-Qtr3 Half MLS baths 7920 sqft PW14000245
en -4 )gt -4 m OJ 0 )gt 0 c 0 m 0 c )gt r N )gt -4
0 z
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Last Updated 21912015 307PM Address
Description for 6020 Lido LaneLONG BEACH CA 90803 City State Zip
This awe-inspiring estate on the open wa1erfront of the Naples Gold Coast features panoramic views from all
three floors The home welcomes indoor and outdoor entertaining as the living room accordion doors open Ca iculaie amp Save completely allowing for a party on a grand scale or intimate entertaining second to none There are five bedrooms and eight baths two well appointed kitchens a sun-filled firestde Bay view retreat spacious liVing
roam and a second formal living roam from which French doors give access to the wrap around veranda EBIX Drive Time See Sample media roam a formal dining area with access to the bar party area The top level features the master suite
with its spa style master bath and two walk in wardrobe roams In addition there are two other bedrooms
complete with their own baths and an office with views that may make working a challenge Adjacent to the
tower lounge area are two en suite bedrooms with access to the three car subterranean garage with ample
storage space The luxury of your exclusive boat slips right outside your front door invites you to take to the My Rating
waters and all the adventures that await Naples is a prestigious community within the large city of Lang
Beach
Enter your listing note here Listing Information
Property Type Single Family 140 Subm1t
Bedrooms 5 Bathrooms 4 Fu1V1 Three-Qtr3 Half
Lot Size 8270 Sq Ft Lot Size Source Public Records
Square Feet 7920 (approx) Nearby homes for sale Sq Ft Source Estimated Price per Sq Ft $946 34
Year Built 1989
Garage Yes- 3 spaces
Development NAPLES NA)
Water Meter on Property Public Water D1stnct 201 Sewer In Street In Street In Straet William R Oobkm and Donya Dobkin
728014 School Information Deborah M Dobkm middot
725328
6020 Lido Lane LONG BEACH CA 90803 I MLS PW14000245 I Listing Infonnation IReal Living Pacific Page 2 of3
District Long Beach Unified
Elementary Naples
High Wilson
Room Information
Family Room
Living Room
DenJStudy
Walkmiddotln Pantry
Bathrooms
Full Baths 4
112 Baths 3
Additional Room Information
Middle Rogers
314 Baths 1
Rooms DenStudy Family Room Living Room Utility Room Walk-In Pantry Format Entry
Bedroom(s) Dressing Area Master Suite Multi-Level Bedroom Walk In Closet
Dining Format Dining Rmln Kitchen Kitchen Island
Laundry In Garage
Kitchen Pantry
Interior Features
Flooring Marble Slate Carpet- Partial
Cooling None
Heating Forced Air
Common Walls DetachedNo Common Walls
DoorsWindows Double Door Entry French Doors Custom Window Covenng OrapestCurtains Window
Shutters
Entry Location Ground Level wsteps
Fireplaces Family Room Living Room Master Bedroom
Accessibility 2+ Access Exits Bevator
Security 24 Hour CardCode Access Fire and Smoke Detection System Security System- Owned Smoke
Detector
Additional Interior Features 2 Staircases Cathedral-Vaulted Ceilings Elevator High Ceilings (9 Feet+)
Living Room Balcony Living Room Deck Attached Open Floor Plan Two Story Cerlings Custom
Window Covering Window Drapes-Curtains Window Shutters
Exterior I Lot Features
General Attached ParkingPatioDock Facilities
Parking 3 Garage Spaces6 Parking SpacesOriveway Interior Access Assigned Garage- Rear Entry
Garage Is Attached
Exterior Stucco
Patio Endosed Rock
Boat Amenities Boat Slip
Pool None
Pool Description No Pool
Spa In Ground
Lot View Bay Panoramrc Park Coastline View Catalina Island View
Fence GlassPiexiglass Privacy Fence
Structural Condition UpdatedRemodeled
Additional ExteriorLot Features Custom BwltSrdewalks Street Lighting
Driving Directions
From Appian take the Toledo and go left on lido
Financial Considerations
TaxJProperty 10 7243031064
Tenns Cash Cash To New Loan Conventional
HOA Fee $500 OSemi Annually
Listing Price History
Original Pricemiddot$7495000 Current Pricemiddot$7495000 Pnce Change $0
Date Price Change
11212014 5 49 PM 57495000
(pacificmiddot
realtylhomes-forshy
sale242-Northshy
Rafaei-LONGshy
BEACH-CA-90803shy
121357390)
(pacificmiddot
realtyhomes-forshy
sale6020-Lidoshy
Lane-LONGmiddot
BEACH-CA-90803shy
88714309)
(pacificshy
realtyhomes-forshy
sale6048-Eastshy
Appian-Way-LONGshy
BEACH-CA-90803shy
127000053)
242 North Rafael LONG BEACH CA 90803 $1599000 3 beds I 3 baths 3152 sq ft
6020 Lido Lane LONG BEACH CA 90803 $7995000 5 beds I 8 baths 7950 sq ft
6048 East Appian Way LONG BEACH CA 90803 $1399000 4 beds 13 baths 2512 sq ft
Get alerts for new listings
Recent sales nearby
realtymultifamilyfor
-sale5700-Eastshy
Ocean-Boulevard-
LONG-BEACH-CAmiddot
90803-128245509)
realtyhomes-for-
sale212-CENTRAL
-AVE-SEAL-BEACH
middotCA-90740shy
131058329)
5700 East Ocean Boulevard LONG BEACH CA 90803 Sale Price
$1000000
Sold Date 121014
212 CENTRAL AVE SEAL BEACH CA 90740 Sale Price $825000 Sold Date 1012214
6020 Lido Lane LONG BEACH CA 90803 I MLS PW14000245 I Listing Infonnation IReal Living Pacific Page 3 of3
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Courtesymiddot HOM Sothebys lntemabonal Crystal Glenning
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4301 E 2ND ST LONG BEACH CA
(pacificshy 90803 Sale Price
rea1vlhomes-forshy$479000
sale4301-E-2NDshy Sold Date 102314 ST-LONG-BEACHshy
CA-90803shy
121096303)
Get alerts for new sales
LONG BEACH Real Estate
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Home Local Informatton Agent Intranet Privacy I Terms of Use I Contact ReaLlvirg om
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- 0 gt-Ul woltt=rt2 LJ (() () t ~ 1-
~ ~ z t- z ~ lt1 LJ ~ N 2 LJ u Ul
0 - N UJ 1- ~ shywUlum 0 z ltt u w~
i ~ ~ lt( 0 0 2~-wshyw 0 u
DECLARATION OF WILLIAM MERRILL
I William Merrill declare as follows
I I am over the age of eighteen I have personal knowledge of the facts set forth in
this Declaration and if called as a witness could and would competently testify to such facts
under oath
2 My name is William Merrill In the 1980s I was a general contractor and builder
of luxury homes in the state of California I now reside in Florida
-middot 1 I was the general contractor and builder of the home for William Dobkin and his
former wife Deborah at 6020 Lido Lane Long Beach CA The home was built on two lots with
direct waterfront access
4 The home was approximately 8000 square feet and contained a large
approximately 3000 square foot subterranean basement
5 Not only did it take a considerable amount of time to obtain the necessary permits
to build the subterranean basement but the building and waterproofing of that structure was an
expense that would not normally be associated with the home in that area
6 The home wasmiddot constructed of the most expensive materials available at the time
The detail on the home was considerable including doors windows molding lighting and decks
7 After the original construction of the home was completed I was then hired to
expand the roofing over the decks
8 Although this task vvas completed approximately 25 years ago the expense
associated with the house was considerable and more than the expense of building any other
house that I built in California around that time Although I do not have a recollection of specific
items cost and although I no longer have records related to this construction I clearly remember
that the square foot cost of construction of that house was approximately $35000 This was one
of the most expensive dwellings that I constructed at the time so I have a fairly clear recollection
of the per foot cost
9 Although this would have been high for construction at that time the subterranean
basement along with the quality of the materials chosen and necessary for an oceanfront home and
20270-13 2 4325-860
DICIARATIO~ OF IUIA~1 iv1FRRILI
the detail of the house caused its construction to be very high
10 The $350 per square foot charges include the building the decks deck
improvements expensive and custom cabinets in the kitchen and other areas including in the
garage wine cellar and darkroom electrical window coverings built-in sound system oversized
water heaters built-in bookshelves chandeliers carpeting and finishing
II Work that f completed and the per square foot cost did not include landscape and
hardscape boat dock appliances electronics furniture outside lighting or personal items
12 I can be available by telephone at 772-766-2057 should there be any further
questions concerning this infonnation
I declare under penalty of perjury under the laws of the State of California that the
foregoing is true and correct
Executed on b ---A 2014 at J~ro 1S each Florida
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William Merrill
_C_J2_7C_1-L_~~_-1_3_25_-lt_6_1---------=~~-==--=---c---=--2--c------------~------------------middot-------------shy[)ECLARTIQJ OF ILLI~[11 [IERRILL
bull
$6]00000 $3150000
Ulnd Pure)lne eltDow COSt$
$1~83SOOO bull f2222
S917SOO rfiloOO
8vRdinamp lSOODOO 1150000
Archltt~ 2SOOOO 125000
Rel)~e 1110 docks exsand 220 volt31o to dockS
25000 LSOO
12500 7SO
Other bldJIIIIJ)ICvefllttnts 75000 37500
Rcplbullce deelc Whoanv cabinet
3SOOO 25001)
17500 125001
EltcbIQI blhlltts 2MOO 10000shy
Elewlal bllnlt bull dliltional 20000 10000
Sounds~um 1~~00 525~
Water ll~ters ~lnou in pra1~ Wllle cablno~ ill laquoIn
2500 7SOO Scent0
1250 37so-1
3150
Oarlaoom Cllblncts 12SIJO amplsomiddot
Are pk RepIa~ dOQil
usoo 2SOCjl) 1~~
lnrtellatiOl Wor 7SOOO 015
Reoli~ decla 200CO 1DOOO
Ellt~lnmellt anrer 15lt100 7SOO_
~n intor4St bull cwcuiUed -~tJXJ uUM aoo~lt asoo bull150 aurrst 100)0 SOOC Clunderers 28000 14000
~rpo~nt lCOO lOOO ~-Adl~~foom 12000 6000
Desk bull JYons room 9-SOO 4730
I(~ remodel 11000 middot019 Ctilinc b nc 6000 3000bull TeiQIIIOft bull oenlse room 3000 uoo Outslde~n SCOO 250(1
W~middotdi)H 11100 soo ~ndJiaplnc 50000 125000
- 0 U$500
Subtoal before homeowner eoemptlorgt 0
Homeowners ~vption sooooo 2~000
0
ToulcOrt llll771 0
middot5162771
--------------~~-- -middotmiddot---------~-
APPRAISAL REPORT
of
RESIDENTIAL HOME 6020 Lido Lane
Long Beach Ca 90803 Naples lsland
APPRAISED VALUE $3900000
PREPARED FOR
CHASE MANHATTAN FINANCrAL 3991 MacArthur Blvd Suite 200
N~~wport BE~ach Ca 92660 (714J 760-2671 FAX 760-6252
AS OF
September 23 1993
PRIPAREO BY
Dwyer Appraisal
Larry l Dwyer UcAR003464 Cortlllod Auldontlal RE ApprAitor
30011 Ivy Genn Drive Su1ta 123 Laguna Niguel Ca 92677
(714) 495-4567 FAX) 495middot2363
-----
middotmiddot
AREA CALCULATIONS SUMMARY LIVIN(fAR EA CALCULATIONS
A Area NarnD or Arlla Slza Totals Braallaquofcwn middot Subtotafa lt~ -~ 1bullgtR -
G[1 rirs 7middot1oor iISLOO n3-o ~ X 1400 2l1GDiil
htbulltiol St ill t Cll middot rfmiddotP70~ Hqza~ -50 -H9 25A l so
~ltgt enclobull~d Patio 4js1S US25 _ ~0 n 5o middotlH ~li tIIJIlWirt (A~i~ll_- Ul1cent0 llHOD -200 LDcent middot122 1)1)c -2 QC ~lll~ -l 0~A
l bull OQ ltmiddot middot5tao bull02 400L 200 ~ uoo 1G2 ~oc osl ~B )Q HoB
55~ X IIJ 24 2amp6 75L ~$0 X 4S so 1~1 ~ middotnA 600 X uso a onT I JSa us~ 16215
0 2 5D ua~ lCSSSO
N 1 DQ ~ Z7 10 2750
s -550 Hoo ~11100
-500 2lOU middot110D
Lllno__-----middot--middot-- l bulls2 ao
TOT1L LIVABLE (rounded) 2882 J _ middot~middot-middotmiddot bull
SKETCHAREA TABLE ADDENDUM liia No 3 2590 2
S llOfiOYIampICIIent
u ~~D~o~b~k~i~n~------------------~------------------------------------------1 Proptf1y iddr~Gs8
J 6020 Lido Lane E Cltv CoiJ~Iy Slate Zip Ccdbull
C~--L~o~n~~B~e~a~c~h~----------~L~o~a~A~n~e~l~e~s~----~C~a~middot----------------~9~0~8~0~3----~ T Andbullr
CHASE MANHATTAN FINANCIAL
nay1 1v1arliUl tH
~tl
t M Patiop A
t0 v e 3 Cltr SublmT~~ncun GruugooWino Ccllar M 1H AI E 3CJI IIa
N ~ r-a7bullT Ulil l s _- 10J
I btzr DliTlaans ubullK
E ~ -~1~
17
middot~ -U
T ~~r~~ H wtuc
H J j --- ~
= rr 1 i- il
ir lW
IC
Front of Propertybull
$0IE 11nth 18 Pampnt
M-rm r2(X)O
CAL~ULATIONS ADDENDvtVI Ale No 325902
=lrst l=loor (GIAt) Extamptlor Slalts (GLA1)
-~middot
A R E
ns~
-550
middot5 so -200
-200
aoo 100
oso ~ Ia
) 50
00
150
Hso too
-sso -soo
tbull
X X )(
)(
X X X X X X X X X )(
X X X
amp40~
IIJSO
uso noo noo 5100
~100
ta50
o uso uso uso uoo 2750
HOB
uoo )53 oo
lJlQ~D
-H9 25
~1na
middotUIOO
bulllZlOO
lOZOD
tD2 00
2125
tun 12H
Z1900
1UU
lOU$0
2750
bulllllOO
-tlOO
-tnoo
uoo X LOO oo
Totaf for Arna 298100 Total for Area llGOO
c A L c u l A T (
0 N s
Eneloaad Patio
400 X lG~SO X
30 X
(POR)
JO~O
110rt
20_0
middotmiddot
1200~
IOtfO
71 75shy
~sragujWtM C9llar bullmiddot (GAR)
H~Q X uoo 111)1 X uoo 1000 X loo Z400 X 100
1000 X 750
ucoo lHM
70LOQ
tUOO
1100
B R E A K D 0 w N
Total ror Aroa 4~625 Total for Area 133100
Paga I of I
SKETCHAREA TABLE ADDENDUM Fllolo 325902
S 8onvNbullrCIIan1 U Dobkin
Property Addrell 8 J 6020 Lido Lane
Ctty Cotlnty Stale Zip Cede
~~~--L~o~n~~B~e~a~c~h~------------=L~o~s~A~n~e~l~e~s~-----C~A~----------------~9~0~8~0-3~---lsndet
T Chase Manhattan Financial
ll
lie
2nd Level
~middot
aabull
A
UH
umiddot
I M p
0 R
v E M E
r s 3 lt = r i
$C~lE lfnch = 18fae
-middot ~t_~ ~middot AREA bALCULt TIONS
-4 ~middot SUMMARY
bull _middot ~ ~ LIVING 0REA CALCULATIONS
Ar~a Nama or Atea middotfoiais Subtotals
SIIICOJIS tloor
2tU so Y
middot ~~~middotao 2ll7~o
Bxtbullllor Stair-~~ cHon x us_o -lS175
~b To ll~lur jso~o vssa 50 ~l5L75
~Ck H~n~ 00 Spound SO 2~ 75
o~ck HI Z5 5 so o~o 264 75
PtDnt Daok 1000 IL90 ~ U$0
26SQ X JC~D
1-~middot X Jln~ 1 1
middot-middotmiddot bulll05Q X middotHso -2gtamp15
-uoo X n5 middot17Z ~0
-J so
-11~
X
X
oo lSo
-ll ~Q _u ~L oa ~ J uo _ oo 700 r 30 oo -21noo 100~ X lt oo bullt4LOG
---~--~middot--middot-middot--------
TOTAL LIVABLE (rounded) 2533J --~~ -shy ~~i~middotmiddot~middot_$-
~~middotmiddotmiddotmiddot gt-~ yo
CALCULATIONS ADDENDurv1
Flte 1o 325 9 0 2
Seoond Floor (GLA2) xterror Stairs (GIJ2)
nu X fSOQ 2H5Q 1100 X bulloc non middot550 X SQ -U4 75
bull554 X bullmiddotn bull1St 75
050 X Sl$0 Z375
sso X uo 2U75
nDO X UIO USD
250 X U50 ucu 10 X 3toa uo
-tftD X Hso ~27tU
ISOO )( uso -17250 bull]0 X p QQ -Jl 50
bull115 X L50 -~ ll
Total forArea 298188 Total for Araa QQOrJ
-~ middotc-imiddotOpatlToaglow (GLA) D$Ck middot~middot(POA)
oo X ]000 21000 1~50 X 1000 ~noo
J~OQ X ttoo HOQO
Total for Area 35000 Total for Arel 26500
~-middot Deck (PO~) front Oeck cPltRr middotmiddotmiddot
ll()C X s~so Ut~Q lZOG X tOQ uoo s ~u X zosc 112n too X so 2200
Totalfor Area ~ 29425 Total for Area middot 7000
A R E A
L
J
~
r I )
~ )
)
)
I
i
SKETCHAREA TABLE ADDENDUM FileNo 325902
S BommtCIIMI
J~--~D~o~b~k~i~n~----------------------------------------------------------------4l Prapampltly Addreta
J ~--~6~0~2~0~L~~~middotd~o~L~a~n~e~----~----------------~--------------~~~--~----~ Clly County Stille Zlp Code
~ ~--~L~o~n~~B~e~a~c~h~------~------~L~o~s~~A~n~e~l~e~s~------~C~A~-------------------9~0~8~0~3~_____ ltndetr Chase ~anhattan Financial
BayMarina
3 fi
3rd Level Upper Level
ll~
Front of Property
LIVING AREACALCUIATIONS Area
bull middototmiddot
Narri~Of Are~ ltmiddot
ar~takdowk ~
SUbtotara ~=-~--~7f middot1middot
GlAl rhlrbullt tlcoi 249487 111o tlSO ~2U25
Bdariot t~d = -931011 s oo 4 somiddot bulll2150
fnterLc~r ftaln -UlS sso d(SO -3$475
POR )rd rv~l frbull~ 2Hoa s~o Ho l61i 0 7S
lM Lavl De~k lt4 so so )lOQ l~4 00
150 X 25 oo 8~0
noo X 2J~~ HLO
-60~ llU -s~ no -~50 X 110 -JLSO
-s n~ X 5-S~ bull so
-115
uobull X
r
~so
7cent1) -middot )]
H2C
llo~ X Qo 19 00
1)~0 X lM -Hz~
TOTAL UVABLE (rounded)
FdtiIT nbullroJJ
CAL~ULATIONS ADDENDlslVI
llla No 3259 0 2
Third Floor GLA3 Exterior Stairs (GLA3)
2150 X 1150 22Hn 110~ X 900 I)(J
-~00 X _0 X uso uso
-l~bulln
-15415
~50 X U50 24$15 bullbull so X uoo J0400 J 50 X 1500 0750
17(10 X 2150 au so _co X nso uoo bull3~0 X bullbullbull o ~uso
-too X 550 -UScent
-175 X llo -Cll
110 1 X lDO lt2bull
Total fot Arel 248487 Total ror Area 9900
Interior Staln1 (GA3 arct LeVa~ Deck (POR
--middotmiddot middot bullmiddotmiddot-middot
I3 o X l$0 4125 J050 X 500 IUOO
JOO X noo 5100
Totat for Area 4725 Total for Area 23400
3rd Level Deck (POR)
11oo X a so lHbull iO
Total for Area t4450
t
Pogo 1 or 1
FcrothJxcct
Dwyer Appraisa[
PLAT MAP
reg
CALvULATIONS ADDENDurvl
Thftd Floor (QLA3 Exterior Stal01 (GIA3)
u~~ X u~o UU2~ llOfl- X oo 00
-~0 X uJo -U2~0
-~-~0 X UJQ -ntu s so X p so X middot~50 X
o l~ oo 2 oo
Hmiddot 10(00
Of~~
1700 X 2JU 3 so -Joo X 1$0 uoo -)SO X poo middotlSO
00 X $50 -H 50
bulllo75 X liO -su nobull X 10~ uu
Total for Area 249487 Total fat ArEII ggoo
lntarrotStalra (GlA3 3rd laval Oeck (FIORi ~if middotmiddot
u~o X l~o nH ]050 X 6 oo I~J 00
)00 X 1) oo Hoo
Total for Araa 4725 Total for Araa 23400
3rd Lgvsf Dock (POR middot
no~ X ~-middot0
Total for Area 14450
Dwyer Appraisal Praoor~v Dorhgttion Analvbulllbull UNIFORM RESIQENTIAl APPRAISAL REPORT foife No32~
middot-------1
middot~ Nole~ R1~ W IN t1tc1-l ~omJ~Wh11 ot chll ~ct~ad ut nK erhttred tlltW~ ~~ fbulloIOflbull
~ coiAMiNHlt 9Jbiost it Laat-lti the letwt sltlrt 11nla eottlt~r~ g~allty Htatiel ~HYhou~i rtlllmt
lrJruJze ll~Cil Fr-(RltCftsJ m-~~4middot~ bullHn lartb ~~ref lest Good Oampintenanct leveh Pltgtttooo=Lbull=---t
l shltooinQ I rbullLat61 ~~~---middot------~-----~-IJ ~SEiAlT~ AOOEI(WI f(]lt iDPTlregL_06TAlL~)
i oewrAAL oucmos EgtTfRIO~ QUMJbullTrQlf oiNOlllCIN DAampIIINT IIUIgtATlON ~ mt__ Mftfrofl tcrCr-el_ lllltb m___ bullmiddot~n ~- n ~ 0
SLCIIcu lhrgL__ amptfuNbullt e So 1b II F~ IIA cu COO - ~tUyen09___
T~IllatAnl ltaened middot- 3iSL-- Bet ~ Ctll~ Jl_______ VIIUbull ~--- []1 ~~~ 0U1Jft (91yhl Glrlr~bullo~ 1int~ Hgt_l ~mplrnp ~ Wltft ~-- ~n~O~middot- ~wll(~ Wtdoi11yenTfO ~~ on rtore laS_ bull IJL__~ I( --- 0~---____ P1QDP2Gd ltlrm _ e1111m1nt ~-_4ot-ed 011lbull~t poundntr ~-~-Y lpounds1- [i~----middot UMu lotfUtctillll amp-~ $crtcr-w ~ lffuttllm ~ Noted__ ~ -~ Erc11r (Nitltulltbulli
ADL lYra) 2 MbullrfuluH Heut 12middot----~--~JY~_IA~-----------~~JU~JA~---- ~~t~ ---shyrrrt ti Jt bull iY1U 1-2 NA WA IfA
-middot---=-------------~--------middot--------~middot-----------middotmiddotmiddot~--~middot---middot----middot----
--middot--~middot------middot--middot-----middotmiddot----------cmiddot-------~-------~---middot-------1 Dbull~reclbulllit~ttQtllrbull)llrltri4Mtlll(loj_tcf1oollt11itu~ottrQpobullhrw-Ko-t~nlhMkn-t bull~~t bulls Jn Gad_OVfratl ~tt~cp~~t 1tld~eit5 O
_$fflod Sflilrs bullr~ noted -~ubleo_t lrdicatEgt1 lus1s Mif)Qr then t~-t preamptir~~~~e-1 d tbull ih lAISor ie_ ~r(r01t J=tilt-fl ampnl FlflC8hiK~~t 110tgto1n tlre nru r~ Sypkally 1llartllteror~lttcrfrmt tj ne lxgtlltlbl due J~ t~ach cotoIUilHy irtfluco lhi bull ~middot Ld ~--q ro TgteOgtUr~b Lo eftqt on middot~ieets Vftlue or llrkamptelgtjtj Y Iiithin th Cs mr-lket~---t rJt~d mbulltktt CONfil~f4 td puw1hn01 in~ lrnlbullc(in Utbe-~ctlNltt trU r~udllQ foirn51~rtt Wrut tJtrd61ront tld (QK4uiYf amp~ft OONittai-~ j)_rla itabt__ amp ~)lt()bull bull4 rot pr~(ent fn th~ ~rM Silil9cta 1lrsotlng ttq lotlfd l_s in e~lt~amp of 6 trltrtrs h -~qr~ in thin r-cl9~ ~9 1idlt_i9 ~ri~~dly DJUQJlH~~ro qf~~itsbl~ fg htrl)tr gtricltlt WMbull ThlbulltJ~Yi~iftIA~t Rf~ ~middot thmllllum SltIJthem CUfomlb middot
Dwyer Appraisal
f w Ft~ll Mill- Ptnbull Mat lhl r f0Wt ICf ~bullhtHUent tnd OMe lpcNch fOff111111 In 1hJtbullbullot -middot-~-l (l)tt tlt~ are ft01t lllltSMll amp fllift bullbull ~l es fnf01111ltfm -~~---~-----~middotmiddotmiddot --~ shyby l~gtltal llltHdersconva~taltbull lgt~tn ~DEO Mlq~E~----
I f-qoy E-bullmiddotntlbullbull ~a8111$mies bull - bullbullbulld ~----~---llloo~n L1ll_sl81~ bull 1vlfl amptLmiddotr~t~ et lftw bullbull bullbullbullbullbull bull bull _ _pound1Clt=--i
~at A~bull-M lllr INO$dlt Wife bulllt~ Fuulbull Mtol
DMa bullr~tf~nfOtft M tr()lleo~~-1bull HVDNA PI~( ICampt1dbulldt1 0 Vbull 0 Ho Nbullnbull tl Wtrttnly llrampQIL
HNoapltlrtl lllEIU~-----~--~---------1 Wnnll C016tqe EIM
~DICiTeO VAlUF BY SAIES COMPAAJSON APPROACH bullbull bullbull bullbull bull bulloiCAUlJ VJIILU IIY 1~twt APiiOAIA r1 Ap~eitlt~ t1dMilN trl-fIUI ~ $ ___)j[lJ~--- ~ K Otbullbullbull rt1nt ~IIPihr N bull bull ----~---J NIIIPfrJiut it mamp no abull 0 bullutf~t ID tr tepti-1 IIIOtbulltic-INIf(litll 01 ro~lliorwllIM lnl~rW 0 EGM~bull~ IU plttlll ant
b IQCtthai It bKampIIfl~ IM bull~t r~qitorntt~tbull~ IN-vtllloKft-laMIAJ+11 tMJ~tf~eod~41111 tMMbullriramplt ltf-t 6trrnh~ ttwt Jbullawtampt~ In
] frrtA UUO amplor VA lrat~ilo~ J lrc~rt Mbull~hmiddotM UO ltfn iJ9tlfiftntiMKFrm 008 at-1~J Old11~~~~ 16__
1EI PI ~Tpound 111pound MIXH VALVC A9 Drlmpound0 OF tff SUillCT PADIt~lY A9 or ___sW~----middot~ ~~~ bullbulligto I
IMII -M4eletBJ hrn t(bull ttw ttICI CbullWltCI tNt I (we) Mlt~lllllyhtptctef ~tt uPtcl PI7Mrtr ba1h lltlde td4bull1T
thJ r-t~r lttNt lt-Mt I ~ ltttt la Vol$4knd ntt~r rf41$rlt cbull ~~~~IJt-~11yenbull hetn
PtY-pryen161~----------middot--- Omd Ooi1N~l 6r Jtgtll~bulltwl NA-JE ~~ PrsoM~
Dwyer Appraisal SALES COMPARISON ANALYSIS
IIC9
Dwyer Appraisal SAlES COMPARISON ANALYSIS
Dwyer Appraisal
----~----------------~iltNDJmiddot -~~~Do~bw~~in~--~--------- --------------middot-----------------------shy
~~~Q~L~i~d~ok~La~nwe~---------------------------------~~----~~ 5lt11lJmlg~ Cg~nlty Lof 6ngele_amp__~_____s2Jtn11 Ca 2jp Codo 9Q80l
Ltncfo CilASE MANHATTAN FINANCIAL C02
AOOITIONAL MARW DATA OOMMENTS
omparab~es H4 5 and 6 were s~leeted f~ the Lido Isle area of Ne~rt Beach Although Lldo Isle s substantiaLly further south ot subject the island of Lldo baa stmllar eharacterlselea is not ttad and eorudderad sllllilar in overall market appeal
Jmparable U4 and Co~rabla 6 are both very s~ltar to subject in livlrtg area and the large lot lre Their location on the island and their bay)hnbor vbv is vary tmilsr to 3Ubjeots Large ~just~enta W6re not nacessa~y and thaae to cnmparablea are given considerable weight
~~able 05 has tnferior lot utility as well as living area ~ich raquired adjustment but tha Law was couaiderad s1mlar All three opound theaa co~arablu reflect similar construction quality 1d we~allmiddot marlcet lppeal
lmparables 7 8 and 9 are the beat of eu~ant liatinta avallable on the Naplaa islan~ within ose prOltilllity to subject Although they reflect construction quality and conditiOn more similar 1 aubject their inferior lot si~es snd utilit7 at vsll as living area required substantial ljuatments Current llstings are fumfslud to demonat~ate the upper 1~t opound value for the tbjee~bulla nampiahborhood Adjustments 1n the grid section reflect the approximate sates to lat middottee pereentaga probull1lded by the local Multip~e Listing Sarvice
DNyer Appraisal
___fgJ~~lri Proa rtv Addrau ~ ld9 tBM -~middot County lolll~tt ___J~ Zie Clllt ~
LKndet ClUE ~~ltATTolll fiiWICtAL (JIQ
AIgtDINDUM TO APPRAISAL
Ojt 1 loeaud witlbullitl t~e city lln1t~ of ~ Bead) Callt~fa IOrll Seech h toutod llgtrodnaUly 239 nie$ ~h o1 lA~ Jgamplu the ~llty seu o1 10 lneles CCUty The pl9atnt J~QpJlat fQl o1 lAtl Bead h lllPIgtthattly COO vi thin It 4971 tlll~ lle~ lhe ci~y Is bGrdered laquo1 the U)rth by lampblootl the $dfltf1 by u Pacific Ooeltl tl14 Vet by Olr5Qrl Std Latlta lld the East by Sql bullad end los Al~ltoa (OriJQe toTJtygt tt ia eUo bordered en ~flo lleat by tfle lcni Beldt CT10) FrtltMtf tlo llorth by the Sen Dieogt middot-y lmiddot~) allll the Salt by tiM san ~lot Rlwr F-y (I-60$) OottVtlertt 1~y middot~-s II I hlcflly lrelgtlo ftaturo tor bullbullfdlnts otto ~rte t the a~bull
thougl1 the city Is plfnar1ly 11 ruldtntal tQOUfty a stbsturtlat prtl01 a1 lWld 11114 Hsllfved tor trdJstrlal ~iat lit( Dfflcbull rtldlltiJS u~o lfajlaquoo siqlflllll COIIpltxa are acated th~t tte ity Cbulllitorni State llnlwrslty Wid IDrg Belich City t6lloge ere bulleated ln toog ampMch amp~ill to loroer Prb ale SQItttrod tnrl)jgcJt the city far tile re~oation usa of the resldoota
e fident1~l ~Xltmnides bullrbull cha~ttertlect lfith a 111Xtlltll of restdlltialvi~s tqing fll arell oldt loxl frlllle airqlamp fenily ~as ta l11rger1 rltNOt1 ~ra ~rn trset t~ txbulltng wlli~h bullr~ ~~lble ciJo to tke 11o1t11tt aitt fnfucn~
lje-ct t Lacatod In tJo SCYtbeat coMer of ltng Be~cit in ao arM alown u Naplu llpl03 h an iamplencl In tl1e eorttr of e 10g Botsch rfna and 1a IICicnuble fr011 he Ean bullnd tloe lint by Sa=d Stlttlt
bull rntigbolflood OOil4itU of avetbilebullgood ~bullelHy 01111-thrltlltl story detadled houus rliIQitgtg 1n elze frltn 1100 to SOCO ~~ ftet -r aecltou h appiQKItoly thrlt111 niles tut nt Nifborlood ml~ good lntwnt llt~ela Scxgth WwiJ ald rtlatd Vi~es orbull ~tntly QcaUd to the p~rty tie botlrdarl of t1le nefgfilomood ~~ct~ld ~ tM hlsnd faelf
~ faUna ts a hidllY dtagtle Gnd pre3tfolcus pllcente to Ulltt ltm Its grtat locatm j pttgtltity to tte ~at=r Tte lota arrood tilamp 1bullifOlter ot th4 itnf havt tJc3t dock to tile Net liUh tM obtfty to 1c~tt 50bull60 +ya-tu Dnttra of th4se ~~ have dlre~~ eocua
thofr OOta fred the r~r af tht pfQletty will ch can thelt be Moiuted thJQUdh tho ~ l cut to the Pat Ifie Olelaquol the hmu lrltMd bull l)fgtrf~teter olIIO hlve ~llent vie~~S of t1e bly 1d eft) llihta For ruldmh COl 1nte~lot Lab 1t It ltny a lllort walk to llfll of tlw V4te bcl-et tr the tidents and tMbullM prtl to w~ llcmu cr1 fnterlor tot t)l)1colly r-arg= In 1181114 11011 $150reg to ~tn)r
e~ the por11Mter ~th llllter frcntiiJI tgtP1ealty r~r99 fiQ1 SVXOOCO )Igt StOOCOOI- Thbull t~ In the IJJH b tC71Mrd~ the rexJHdlrg Otititien to rrdor ccnptota HnOcletlng of all otdeJ heriot tile hond ampooQ tM gtltltfMUI odjKeot to thamp bllltld Th1a trend
~~ltthelt-- tile rtobilfty of Mrka~ lamplue$ in the aNa
Dwyer Appraisal
Filo No
_B2~ttSilpn1 COOle In
Pbullbulluru l~st 8l20 Lido L)) Cllpound~~cfl C~llL2~bullLa Uabull c 2Q~ltIdbull ~
~middot----lendbullr CHAS ttAHKTrAN FIIIANCIAL tW
ADDENDUM TO APPRAISAL
XTERIOR FEATURES rtOIIltlc (ltIn tbtrs) $prinkler ampy$Ctn tn jrllrlt amprr yafltlp
wltold amp gottd llfltry to tht front dltlor provd~ privacy at 1141 u a frcnt patio for lddhiltt111l fbullnctio-at utility oblld p lltltert in t~ frltnt amp r r yard 1sta1 dr111CIIIIY Ia nade of aalld flags~
~~ front porch is~ of solid fl~tONO
111r yard enoleooed ootith a~middot hi~ btoek ~lt Thh proYidlte9 aitiONJ~ ueurty li~t obstru~tlng tile bay vie~~
CJJbulltltlll luilt bullPI in tte frat QQ(Itt)llrd bull 11 patio bullnbull elso hu 1 bulltmiddotfn 18Vfi~ft
lttio a~s t~s tM r of 1lltJ- b llco(e of solid fl]ttltllo
rt of the riNr patio 1~ It CfMbullrltJd by ttl~ seoni lelto~ol dedc
~TERIOR FEATURES JIIIStDIIII ftcarlng In MtJY hltJllnlf I t~~ m thegt 1bullt Uvl 1 sCCIId lbullvbulll Is all 2~~qJare 1111rblt YilOltXf qJJotty eubulltat e~gtrprtitiQ th~ the root of th om Item h~~~ qUII ity Stow-oo ayttn tlulCIltt the ~
J Cfllllity hcurlt) syatern th~t Joillltfl ta dNgt~t disl to a sacu~lty JK~nltorl~ Jbullrv1 ce nt~t len shutters thr~ tcglt~thar wf th 6tioer CtJbulltOltI ulndr1t eowri~bullmiddot
etaold llV~IJl9 dl~t -t prflllr) rcons ord t~Llolllys
to 12 ooilirQS tb~ ltlOSt Of tho hi3e bullll~tbull ere ptaced bulltrateic~lty thrctllflalt taD IClWII mot41t~t tlvalgtool tht houso rn tfoe addltOfll bedJQOM JtiiIOfef Uo((frdle dltxgtrt rt is 1lao a Mp~Jrato wine ltollar gt1ich h tlle~tatiClltly t~rswro I ~lfrate taltrollcd h a lourdry chute fiOIf tl~ llpl)r tel(a) to the lalndry ~ ~~~ at t_ lCooer lemiddot~L
TCHEN ot~rtopamp In fctttMn are tolid ~rooite
itOOltI flco~iJ In kitclen i nd area
Jlll~ cOltok~ aU othe~ top ctlIQIty lilltes amp fl~t~res und In tnt ktt~ as OMlL as the bullbullbullt of tho hoobullbull amp il a ampefgt6rete fet at thbull kitchen sl~k for inseartt hot lllltiH
- is a mr~ 114kmiddottn jlllftry lttich h bull very ~lrabla fbullbullturt usUIlly fafd In larlts rn tMt t~
bulle h IJ lalge built-In ref~ig9flltalt-tob-zero 1reeter lith the front ps~elamp Mtchlrg Uo cablrgtlttJY I~ the kltclltn
lULV ROOM fQnfly rogtOfllllls its on firqJlace
STER BEDROOM amp BATH llll$ter gtlaquo110011 fs Vol) ~paclobull tltch fa a typieal fcatTJre for thi~ ~ amp ptloe ~of ro ~ h a sittlrq area or retret~ at ltgt1~ End of th~ lliISter beiroott taster bedRltln has ita firepllaquocentB lotlfch h triliiTed 1(111 norlle l~ tlt~ ftooriJ9 thJt1-IGhJt JMst~r bath rzi tlb in IllS ter bath 1 ampt-alor wt th clxibte shltloer hctado
h a t6r~ llalk-in cloet in bull~tr trooo 11tt~ buHtmiddotin orgbullniz amp ol-olve$ Le amrcqJI In rraquottor bllthCan
lNG ROOMDINING ROOM -o 12 ceHI~ in Uvl19 ~ tving roar h11 it 1$ Qllll ffrplate llttici a tr-fmoeltf uith rarblo ont co t~o dinllg roro thQr h a bar rem JJth e w$lkmiddotbehtrrl llH bgtr th~ 1aro1ly ftJoCt1 with a luilt-fn ref~t~rator amp fc Jor n stulptulOd c1rpetlrq in the livfhJ roato ard lldJont trca3
IA(E bull~biO n qood qtelity ~Llmiddotup rr- doors wHh liample dcor qJltn~rs bullilirqbull amp ~alls in the qgtragbull are finiohelti ot ~bullt~r ~tor hltla a rbullmiddotelrwlbulltlf ~ lottich plOIbulli~centamp notMt hgtt lf~ter to praoticany ort(tero t~ the hOJs~ 11t to tbe 90rigc la 8 ~tre cellar middot-et ba- liN 112 bllth
~-===~----
Dwyer Appraisal
-iUPt-~~JL__ lroarty 6lt1bull~11 (lRtJ lob le
~~altl Cauntv~~ sra~ C4 II a~e lalll Lande1 OIA$E rtNII4TfAN FIIWICW eolt1
ADOitNDUM TO APPRAISAL
lnal Reconciliation
bullr Nl$ llo 1blo Reccrd5 $~bjeot has nat ~euro11 ~fated or told tn the pKt 12 rrcntlts ampnd h nat pr~$llntly listed
te nat cttampttt bull~u activity tn touthHrt california II e11p1rfenoif9 Lilli ted aetlvh~ dUo to a tlt~gglah OltOOft lotile ptql~rty vallo$ pear to llttve lttoclfne tn eore 11rtas other etelt~t are ~~le $ tlaquoM areas hll aGtuelly lncnut fn vat~ A pertloular llef~barlold fVIf Prfmce lhat ~r$ to be Iii t~~ary cleltline fn ~talue ldoltrt nveral ~r-s 1eve an wgent nHd ta aell lara aU ~t1rq for thl middot111hed nlnigtor of bitter~ llll~gtfbble Thfa h -ftered to be bull telpOnoryo aftuatfcn lohfch will oorreet Itself 4hen tM tOIIIXIral) Ooert~ly ~ b ebtorbod amp detend fncr111nJn bull111~ Ioiii~ hllgtl~ txperferncd laljle orplO)lMt ~ffa or oloVte of lalfe renufacturi~ plllt1t e rtcwery petofod formiddotp~ty v1tlut $ thl stobHlzatlcn of ~lfmng Yll~ claquo~lltl be atttantloUyiClIQltr amp lOft sown thon tEIIIlOrsry
this CQldltfltll is ratld or ena arprmf~r h ~$rt of It I~ l$ ~tod en bo amplfSl8rat~ adclrldln Nrefn middot
thh 11sprabal anfgrncntcal4ful ~~IGltI ot all curlltrt Mrket dllta wu conafltlerod ~llfch inclLdcd analy~1a ot cu~rmt ll$tlngs penii~ les aa wll ~ tJqtrld and -l~ lhtt~ P~lng aales 1rot~ltlthn 1 gfvm ratkat ar~ can rerg in vamplue wbst~ietly ~lng lfv~rQ area rccn cortt anenlties ncltrlng view or lllcc ot Vflll and 1q~~ta ~ ~tfa1 lf there litre pending MlM ~tlfdl N aio~~llal to subject In ovtral~ rarket Ollll4St1 cne Of~ of thtsa ~fng sslobull Mite beelt fncl~ fn thh tltport rt there 1111r1 no liHir per-ding ales ptnd111J alet lhich ~ltere not silttlar Ore not Usqd lhe u o1 ranbulltlnf lor Mles ~oWld Tlt~qJire thm vn of excQsfva 1 etbjetiw adjus~s leodfog illes 11119 adequE~tely teflect curr41lt ltlrklot derltJltf ~Mingo les of ptepcrtles stnflar to stbject at fees l~r thlo rtelt closed sal are gfwn tho roampt lieigntPendfng 14~ laquo f~gtlltr ~rtles hil1ltr prt-1lt1 than r~t eland sales 1 g1v151 o~~fniMl wf~t sin- tie~bull fa bull poulbllftl tlllt thay ftlt nat clo~e aaerou for a VarfOU IIUber of reafiOM
led ales withfll thl jlolst 30~ drtt aramp IIOlt raLteble alllcento tMy hlrw ctOltHQ amp Urrt are -t recent II tllo ebtenca qf reltenC eloeed gtendfngo satu 111 ~mtyenab f CM~ llstlnga ws also ~~ted ~in thitrt 1M be a llidbull ta~ t valuoa -llllble tor Uatl~a far 1 lfll~ tf abooa llstrga prlcad out ltgtt llfoat ~rata be reailcrollbltt range of wlut Wllftt not ccnalderol ~ und In tht rtthey hlaquovtt btco adJusted to t-4 prebogtlt ~~Gmntlllit a1 Mlt ta liat pric es reparteltt by tile Local 1Jltiplamp ~ittliG Service Further iuatmnts aN then ~eased en teatur~a coodftlcn etcent Hfnltral ~tight h given to t fatfnga ampitgtU they tore clrly d~trate til ~ lfroft of value for PtQPa~ths tfllilar to Sllbjet~t ftOir stbjeets narlcat Gru ~ are hMfr tile ro~t CYrrllt deta a~~ampftabl~ If cne t110 lfetlrgs 1evt nat ~ inotude In thl$ rtp~rt fn lieu of peldiJ sale t I$ becaue~ tfl~u ~bull nane ampYallabl~ coosldotrod to ba 1flar to stbullbject 1Qn-slllllor properttampS IIQIIld agin rltUir~ tM u- ot egtltltauw ZII1CIor Oj~t altljuatts tl1cn ckfeet th~ p~rpase Or bull eo~rabte t~lamp middot
middotmiddot====== =======~=--~----middot---bullmiddotmiddot-----middotmiddotmiddotmiddotmiddot~middotN---middotmiddotmiddot
FotbullN 32590~ DEFINITION OF MARKET VALUPIhe mott probaWo pric~ which amiddotpraporty ohOltifd brlnqin e bullampolfdve bull~d opbullnmorlltel undor ~~ conditions requltitbull to 11 loir oolo tho buyer ancl eampllor eech bullbull1ino prudently knltHYiodgubly and usurntng tht prloo Ebull not eHOlttAd bv undUltI inwus lmJ)iiclt In thlr dofini1lon the ltltgtMUmtn~tion ol bull af IPIltlifled deto Dnd thl poaslng or tidt ltom bullaJiar co buyer under oon4itlont wh~ttobY (1) buyor and wolltr ero Lyploanv motlvalltld 421 both panJsl art wnll infom~ed or 1dYid bullnd uch acting In who ha eonsidorbull M1t awn bs~t lntereot Ill bull roaaorlbullblo timamp is nllowod lor poevroln tho Ol)llt mabullbtl (41 lIY ibull medo in torms of ~bullbullh lrl u $ dollarbull 01 In tturno or flnonolel ~1111810nts oornp~rlbfo thereto artd (5) thogt ptlco lipiUIIItl rho normal caideratiltJn lor tha prop$ry aotd unefftc~od lly spociBI ot eroatlve nnancfng or ur ooWluslona bull granCed lly envone asbull soclarlld with the bullnit
bull Ad)ubulllmampolto to the acmp~roamplot mu~t be mede f~l 8ptclelat cres1iV9 finannlng or tlt~loa ooAonsiltgt~ No sdjuWYents bullrbull nao~orv
for tlto oo9t9 which ato 11ormally peid bv ttllilre 11 bull roeult ar trtdltlon or lew ln bull mrkot arbullbulll Ultse coots arerudlly ld911UII11No tlflus tht 1sller peya tMtt oootl In Yirtually ell eltlet tr~ntaotiant SPJclel ot orutlv liMnolng adU~tmontt can bt rnocle to the oommiddot plrable proportv ily aomptlisont to financing termbull offered by a third psrty instituric~lllandor thai io not afmtdv lnvclvad In tht propshyortv or trantecrlon Any Olltfjua~tnent aPtould not bm talaulartd on 1 meltgthbullnloel dollor for dollsr cabullt of tho ilnsnclng or oltmcot~lon but th~ dollar amtount of anv ad)ubulltmont ehtould apprlgtlCimato tht Markatbull rltbullaotlon to thl tlnonclnltr or ccncetlone baood on th~ onJ~Ufjorbull judgmeot
CltRTlFICATION AND STATEMENT OF LIMITING CONDITrONS CERTIFICATlON Thl Apprlliter ~artlllampbull ana reea thogtt
1 The Appr~llttr lult M prou11t or contemplollbulld futlire intorebulll in tJoe prcpbulllllbullpprlitampltl ~ncMithar lhs omJ)JO(mont to mako lite oppraluf nor he oom~~uutlon lor It Ia oantlngenf upon tho ejlpi~lbullad value of ho prGperrmiddotr
~ Thbull Apprmbullor hebull no paortallnter~al In or bias wfth repaot to th~ eubjogtet mtlter ol tho apptolool repo~ or tho pnr11clpanto 10 th oalo Tho eetlmlltt or Mor~at Vo11e In the lljlpraiul roport Iamp not ba~ In whola or In palt llpon the reco color or natlcn-lcHgin of thbull prcapoclfiM owMrs or ooouponl8 ol thapropJrlf eppralsod or u)on the taon ocor or notional origin of tho praunt ownoro or oocupantbull ol lito propartioe In t~ vfclnll( of rh~ IHGporty apprafbullad
3 Tho Appralttr hoe l)oroan~lly lntpeotad Utltl propwrty bolh lnaldbull ttnd a~r arltl ~ madbull an ooxurlot in1ptc1tan af ell cwnperehla bull~les ~~tod In lhfl npott To thbull but ctf tht Apprelearbull knowtodol~ sfd Hillel alt stttemenlbull and lnfarmotloh fn th~ roport 114 truo and bullbullmtal ~rtt tJe Apprel~ar h8t noc knovrngy wltllhtld ohV algnlneal1t lnfltJtrnatlon
4 All conlll~tnt end limiting ~ond1tlortt arbull GontalogtoJd hotoln limosbulld hy the termbull ol tha eoolgnmanl or by the LondtroiQnod olteotlngtlia anofJliOt Gplnloflt oond oonaluaonbull conralnad rn tha Fei)Ogtrlt
5 TNbull opproiulltpart has boon made In ~bullmforiTlty with ond Is oubreo( to tht ttqulr11lt1ampnto of tho Codamp of Pr~fassfanal Ethics end Stoinltlltls of Prolaolianal Conduort or thG bullpprnlssl GIQampnlznlant vmiddotlth whloh ~ha Al)rnlut Is afflneiad
8 All ooncluiliono end oplnlont concorrlno tlbulloo tatl aotbulltbull thst ort tet rarlflln tho apprUnl report ware prepari hv 1M Appralur whoto olgnoturo ooppoa on thltl ~tpproJI raport unlbullbullbull IMloatood a 11avltw Appralosr No ohenga of any Item 11 tho eppriiU~I t~port bullhall be mod~ by anyono othtt tluln ho Apptofnr ftnd lhamp Apprsleer ahall havo na rotponJbillly fer anv uah lttnouthodzed
ohbull~middot
CONTlNGllNT AND LIMITING CONDIIIOffil lt4rtlfialfllon of the Appraiser ~pp~lt~rtn11 In tM orppralsar roport Is subjaot to tna folfowlng oondttlons end to euoh other opecolrlo bullnciiiNJUng oondiHons u era aet forth bv Uo Ap(ltJieor in t~o rtport
1 The 1ppriHaer ~null4m M rslgtonslblijty for matte- of a legal neru affaotlng tha propampfV apptols~d or chbull titlt thbullrot~ not dcos tho Appralnr r~nltUt ~ny opinion bullbull to the tltlo whfh Is ftbull~m~d to bt good and matketnbt6 Tloa property appr41Ud es thouq h under tsspoleJbhbull ownerohfp
2 Anv tlltatoft In tlto r~tport may bullllow spproodmor~ dlmof$lona end fs lnolltlad Ia anlst th~ nad~r In oisuolfltlnQ th~ prop4ny 1M Apprsi~or hu made no svrvoy af tho proporly
a Thbull Appralosr io not qulrsd to ~lvamp tobulltiotiOl 01 appear in aouri bo~bullJIH of having m8damp thl appro1aal with ref~ ranco to Ute praportv in quetUcn unlaso arretlgemoobull ~avbull bbullon prlhi~raly mad OJ tftltmbullfor
4 Any dlbullttlbution of thltr valuation In lite rampport betwoen land nnd lmprovamtnts appfisf only urgtfar the malng prog~m af utiJI~otion The s-oparatbull valua11onbull tor lltnd ond b~lldlng tnuft not b~ Uliltld frt conjOncrioM with ShV aliter eppralslli and era invgtlld If to Uftd
5 Tha Appralut i~Jsumeo that thora ate no hlddon or un~ppsunt condlclono of thbull pt~p~ny eubactl ot strucntramp~ which waufd rendor It moro or lass vai1Jabi4 Tho Apprefs~r asournbullu 110 roponelblll1y tor tltr~h ctnditicent~bull or fM anglnaampring which rri~kt be required to discover auch fftctDn
8 Information ampS1iltnatet end o-piniont lurnlshed ra llta Apprai9et bullnd contained in tiN toport w~re obtornod hom ourebs oonsldmiddot orod reliolgtlo trd lgtnrtavad to bt truo and oorrect Howevar no rooponslbllitv fcrecrlllampey of eucl lome furnfohad tho Appraiser can bo BUUmod bv the Awrllsorr
1 Olactosuro of lite oontampnr oltho approJool ramppcrt fa gorned by 1ho9 Bvfbullwa ampnd fle~ul~1ions of rho protasnlonel ~pprohel orgbullnlshyl~tlona with which tno Ai=Pltbull~Gr is ~ffilialltd middot
4 Nafthor bullh nor bullny pert o( the CltltfG11 of tho tt~art Ot ~apy thet~of lincludino conolorolont oo to tho prop~~y vnfubull the identity of tnlt~ Approoor prohbulloiansl dlt~bulliglttlons r$loronc~ to ony jlrofQoslegtnill epplllal organiadono tho firm with which lho Approlnt ia connncttd) slutlt be u~od lot nny purpo~ lgty nnyoM but tho errant ~pooltl~d In tha repor tho bol~wor If approitol lu pnld by ~ovne tho mor1qo~aa or h$ Rtocurs erol nort)no morrgo~o lluurort conouitant profuofonsl dppraisef argnnllailtlmt any l~te or fllltlofllly optotovod finenol lne~tutian lny d~rgtbullrtmont agoncv or inttrumontaHy of doe Unt81 State9 or ~ny bullbull 01 lht Oishlot of Colutnbi~ without tfoe proviouo1 wrltttll oon~snt of tlo Approioar nobull bullhoU It bbull convbullvbulld by anyon~ to thbull Pltthll~ thiltlugh 8d~artiaibullltJ public rampIIIICiona news~ stflf or ocflor mbulldia wftfl)lft the writt111n CCnlont tl1id opprobull1d of Ula Appt~Sl~u~r
9 On 5iJ CJPDrehilll$ $Ubject to ~ldetactory cotnplrttlon rnparl or alt~ra1iDI9) thn epornlsnl -JCIrt ~~gtllf - ~r--~lt1slon Utl conHnmiddot gllnt upon coflyen1amption ol lho lflrevel)entl Ia a wnrkmanlik$ m-omr1Gr
BORROWER Dobkin
PROPERTY 6fl2() Lfdo Lnne rottr lleach ca 90803
Appraloorlbulll
YAioNbull~ FbullrrJt- MoM ~-m41~JULU-1 Fltlfm 1co~ n JJ~ 8~11
Dwyer Appraisal
Ftre No )illQ2_
~UP~~~~--------~-----------------~------------------------------------~p~~~ll~~~~e------middot----middot~------------------------------------~~---middotmiddot-----
f--Citv I~ Seilt~ CCUQ1 ~~middotlu---------~---~2i p_Codo_90ll3ltgt=-----~-__ Londer alASpound ~HioiTAii fUHltI~L tll27
AlPJlAISBi ClmTIFICAIIONS amp COMPLIANCE lllTH FIRRA REQUIREMFNlS
bull The puiJl1lle of thif f)Pgttlul b to estlllato hlr Harket Value as cleflnol In tho attamplthiod FHLK( fern 4J9of tt- bullbltrle deo~ribed real ~rty lhia appllliwt 1s f9r thamp SGt and txcl~ntv u1e of the ~e described ~~Cl l~tbull
lhta eAOreiL nay bo ~bulltd for federally ftlated rort~ lcall prrpous $bject to title XI o1 tho FIMnbullfbulll Insettuttcns Rtfon r~E~Wr) EllfGltcanetot Act of 1989 (IIAA61) The 1Mers1~ oppralter(a) aekrQtledg= ~flet thoy have rMd end Ydarstand tle Utfor arlfard$ of Proloslotw~l ~alool Prectf 1USIP 1 at they ~tocl end y bt atltndod 110lt1 tlre to tiM by thamp twrbullhal StIWdartfs gtard of the 4fgttaisal fonlatton ~rrl u trplenbted by IIOd 1nco~rsted fnto the oce (Off1oe of the CAlrtptrctltr of thamp Currency) ~Uqulatmiddot gtIU 1hla llgtrisampl QOIII)l with ilCC RegJlationt PSgtlt1 tfgte tlnl10~JI $tarderltls of Prof-teN~ P~cttca (IJSPtP)
the legal dorlptl011 9f tile prltlf)erty u ~on t~~ fi((t ~ of tMt t~R~rataal regtainod frm tha cnnty teK uunws riOOIds
middot ot-r ~rltgtd 11hlch ort eotiQred to ~ relloble- but Mt liJ(Irlltltoed Tho tot atgtd trs~t n~ lldar the aueuara par~L nlbller ~ra nsiIGIti lld~taly dtscriptlve ~ ~~ ot bull prtlbrirv~ry ti~lt report WIIoS rlaquoJUsted fron tb~ l~r bvt rltrt reeelv~ at the tiM llf loMe of this ~hsL
Th ~rlllampil$ eJtill8te af Nuaratgtle 1111rkttlng tine for ampAlje~ p~rty eelriltl~ ~hh the rlcetlng tiM shgtlm Cfl tht frolttt pogo It also rntated In the roment section en the nOOIICI ~ of tile lj)lltafaal
If tho tlbletta sa b val~ Is difforant thoR tite Estltcf valtJe t1~ val~ 11Hl bt stated in th ~te~oocfl btftlrl seetlcn of en rahal lepartlf thet are tne u~~e Qnly tigtQ aa 1 wlu~ 11 atatodA buH4fllQ Uldbullr ()()MtructOn ar In gtelaquolt of rqraquolra cr slttratfcns ll rerplre tilbull 1Ettita of llltrrktt vatbull lth tho ~~at~ 1albftct te box beilll chckocl Stlt thbull bac~ ptge of the ~pFn~iaal repon bull tha infanrat1et~
he scrpe of tMt flrahal frtoOlvod data oollettlon frcn vtltOIJa =r~t ta-fdered to be roliotblltJ 001 ~~ gvarantetd tn~ltdirg bst Li11itld to llblQ r~rd infec-t~Ltfa obta(hed flllfl hi lol COInty re=derbull Offiee Tll~ ll4tbQJfd1 t~oc Dmar local ttJttfple tlng a~vice1 buyen setteramp alli real ~t4te brQI(tra tooflrnotion Uo$ mt by ~ros~-cfleckirg fnfcr111tion ~ith tilt rorcu ntiCIlld middotthe llt~tultamp ere then repoltld fn the QWItlprfiltamp lrxirtftr~ on the bullr1lrel~l rtpOtt o~ ldd~lho pr1Mry data liOWCH bullrot provided the grid sectfoo lltfllt ap4U parnlb A phy$1cll 1npect1cn of tht fnt~tlor Itd exterior of the tlbject lrwerty 111 corjucte at ldltcl e thbull Epllraiter urilt t~o projlOrty l c~~loolated tlte orproJf-te l(fJare foe~ of l lvfrg amptea lhe ~raiamper tiiEtl ltIIcentltbull by tho fret
middot~h of tho laquot~~p~~rlblbulls ~nd tekh~ lIOtlta as to tMfr a~rrlftt ~leltol claquoldhioo for wul~tioo of their aolitiCII 11t ti~~e of salt
lhlre lilt~ rtl 11gt0141 pcraorat ~rty ttllfiS f1Mtut or tnt~rgb~t 1t~4 1101 notrolly ccnoidere bull part at tho rl MUte 1ncltdiod in i)raisod vatue of tht Pject ~rty My porKIIIl pr~rty iJ ~rteltl ltgtn l ttparete a6teldJ
the trltferbulllg~ed awratr(a) preaergtt end eertlfy thlrt~ (4) tt1e BProfoal auig1-t ~bull nat bas-M lt401 reqJtHIII nfnilltJil Vlluatflaquol eel fie valoetlro or tre owrltml Of toanBl etpiO)Wit of the appraiser wu rltrt oorditlmed OJgttO the awrabel produeii1Q a ~poet fie Jot or 10 1111lut vithfn a givon r9hgiJ CClfuru~ ~~t h rtGt d~~t qlCll en apprlhal prQdJclng a speelfie vatubull (D) amprp~t gten~atlltn ard fvtue eoplCY)lOnt Ire r-ot lasod ~ llllt~ leon lpPlicttioo h tppro~ed ltElnetlgtor the awrats rar any pelt(tl ~itlt
JOrerahlp intbullr~bullt In the ~ tqllaying the Gwrainr b rtla~~ to or hoa allj Wttrship or cthltr tlnncal lnterost 1rt eitller lxlildeobulldcvbulliper aeLler buoftr ror~e bttl~or Ct rtlt~l estate lltQk~r~~rsa (or a~y ~nM relatod to any of dlltr) irrol~ed in tNir~ti~ f) ihfoh this appntisal luu ~ raq1estod or utth th the l()t recalt nle or ratlnancfrg or irtY ll(OltIIty usid u a lttr11bte praportylogt thh epp-alsal ard (I) th lp9raiser h not ~~~o~are of tllf f~cta lhiltfl uould dtaqu~ify the frtn bcdng deelt to btt rwfeponrlltlft epprehel far ~rjlltI~H of $ltJQtion ~4S of th~ oee A9lotloo AOgulatiCgtlo
The IAdersignoltS apprainrCgt) h~relr ~ogtknltgttl~ ancl ~rtify that t~ltsy ar fbullJll) qBltliod ard Ogtltpqtetlt ly their training boltlge amp rience to f)rforll thh appr~hbulll II ~fter acltejgttallle of the ~tlgtrahol IHS lggtMt ald dullng the OJru of cordtlct f rg the ~wr~isal FPrampisr diac011ero tllilt tnoy ore rot fully ~t~ to jgtdrfor th owraiulthe ~ta~r will OOrjgtly vlth tht Coopetency ~ravtslcn SPAr
=-~--middot--~~_-=---------------__~----------===middot~
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6020 lido lane long beach ca - Google Maps Page I of I
To see all the details that are visible on the screen use the Print link next to the map
6020 Lido Lane LONG BEACH CA 90803 I MLS PW14000245 I Listing Infonnation IReal Living Pacific Page 2 of3
District Long Beach Unified
Elementary Naples
High Wilson
Room Information
Family Room
Living Room
DenJStudy
Walkmiddotln Pantry
Bathrooms
Full Baths 4
112 Baths 3
Additional Room Information
Middle Rogers
314 Baths 1
Rooms DenStudy Family Room Living Room Utility Room Walk-In Pantry Format Entry
Bedroom(s) Dressing Area Master Suite Multi-Level Bedroom Walk In Closet
Dining Format Dining Rmln Kitchen Kitchen Island
Laundry In Garage
Kitchen Pantry
Interior Features
Flooring Marble Slate Carpet- Partial
Cooling None
Heating Forced Air
Common Walls DetachedNo Common Walls
DoorsWindows Double Door Entry French Doors Custom Window Covenng OrapestCurtains Window
Shutters
Entry Location Ground Level wsteps
Fireplaces Family Room Living Room Master Bedroom
Accessibility 2+ Access Exits Bevator
Security 24 Hour CardCode Access Fire and Smoke Detection System Security System- Owned Smoke
Detector
Additional Interior Features 2 Staircases Cathedral-Vaulted Ceilings Elevator High Ceilings (9 Feet+)
Living Room Balcony Living Room Deck Attached Open Floor Plan Two Story Cerlings Custom
Window Covering Window Drapes-Curtains Window Shutters
Exterior I Lot Features
General Attached ParkingPatioDock Facilities
Parking 3 Garage Spaces6 Parking SpacesOriveway Interior Access Assigned Garage- Rear Entry
Garage Is Attached
Exterior Stucco
Patio Endosed Rock
Boat Amenities Boat Slip
Pool None
Pool Description No Pool
Spa In Ground
Lot View Bay Panoramrc Park Coastline View Catalina Island View
Fence GlassPiexiglass Privacy Fence
Structural Condition UpdatedRemodeled
Additional ExteriorLot Features Custom BwltSrdewalks Street Lighting
Driving Directions
From Appian take the Toledo and go left on lido
Financial Considerations
TaxJProperty 10 7243031064
Tenns Cash Cash To New Loan Conventional
HOA Fee $500 OSemi Annually
Listing Price History
Original Pricemiddot$7495000 Current Pricemiddot$7495000 Pnce Change $0
Date Price Change
11212014 5 49 PM 57495000
(pacificmiddot
realtylhomes-forshy
sale242-Northshy
Rafaei-LONGshy
BEACH-CA-90803shy
121357390)
(pacificmiddot
realtyhomes-forshy
sale6020-Lidoshy
Lane-LONGmiddot
BEACH-CA-90803shy
88714309)
(pacificshy
realtyhomes-forshy
sale6048-Eastshy
Appian-Way-LONGshy
BEACH-CA-90803shy
127000053)
242 North Rafael LONG BEACH CA 90803 $1599000 3 beds I 3 baths 3152 sq ft
6020 Lido Lane LONG BEACH CA 90803 $7995000 5 beds I 8 baths 7950 sq ft
6048 East Appian Way LONG BEACH CA 90803 $1399000 4 beds 13 baths 2512 sq ft
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realtymultifamilyfor
-sale5700-Eastshy
Ocean-Boulevard-
LONG-BEACH-CAmiddot
90803-128245509)
realtyhomes-for-
sale212-CENTRAL
-AVE-SEAL-BEACH
middotCA-90740shy
131058329)
5700 East Ocean Boulevard LONG BEACH CA 90803 Sale Price
$1000000
Sold Date 121014
212 CENTRAL AVE SEAL BEACH CA 90740 Sale Price $825000 Sold Date 1012214
6020 Lido Lane LONG BEACH CA 90803 I MLS PW14000245 I Listing Infonnation IReal Living Pacific Page 3 of3
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4301 E 2ND ST LONG BEACH CA
(pacificshy 90803 Sale Price
rea1vlhomes-forshy$479000
sale4301-E-2NDshy Sold Date 102314 ST-LONG-BEACHshy
CA-90803shy
121096303)
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Home Local Informatton Agent Intranet Privacy I Terms of Use I Contact ReaLlvirg om
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DECLARATION OF WILLIAM MERRILL
I William Merrill declare as follows
I I am over the age of eighteen I have personal knowledge of the facts set forth in
this Declaration and if called as a witness could and would competently testify to such facts
under oath
2 My name is William Merrill In the 1980s I was a general contractor and builder
of luxury homes in the state of California I now reside in Florida
-middot 1 I was the general contractor and builder of the home for William Dobkin and his
former wife Deborah at 6020 Lido Lane Long Beach CA The home was built on two lots with
direct waterfront access
4 The home was approximately 8000 square feet and contained a large
approximately 3000 square foot subterranean basement
5 Not only did it take a considerable amount of time to obtain the necessary permits
to build the subterranean basement but the building and waterproofing of that structure was an
expense that would not normally be associated with the home in that area
6 The home wasmiddot constructed of the most expensive materials available at the time
The detail on the home was considerable including doors windows molding lighting and decks
7 After the original construction of the home was completed I was then hired to
expand the roofing over the decks
8 Although this task vvas completed approximately 25 years ago the expense
associated with the house was considerable and more than the expense of building any other
house that I built in California around that time Although I do not have a recollection of specific
items cost and although I no longer have records related to this construction I clearly remember
that the square foot cost of construction of that house was approximately $35000 This was one
of the most expensive dwellings that I constructed at the time so I have a fairly clear recollection
of the per foot cost
9 Although this would have been high for construction at that time the subterranean
basement along with the quality of the materials chosen and necessary for an oceanfront home and
20270-13 2 4325-860
DICIARATIO~ OF IUIA~1 iv1FRRILI
the detail of the house caused its construction to be very high
10 The $350 per square foot charges include the building the decks deck
improvements expensive and custom cabinets in the kitchen and other areas including in the
garage wine cellar and darkroom electrical window coverings built-in sound system oversized
water heaters built-in bookshelves chandeliers carpeting and finishing
II Work that f completed and the per square foot cost did not include landscape and
hardscape boat dock appliances electronics furniture outside lighting or personal items
12 I can be available by telephone at 772-766-2057 should there be any further
questions concerning this infonnation
I declare under penalty of perjury under the laws of the State of California that the
foregoing is true and correct
Executed on b ---A 2014 at J~ro 1S each Florida
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William Merrill
_C_J2_7C_1-L_~~_-1_3_25_-lt_6_1---------=~~-==--=---c---=--2--c------------~------------------middot-------------shy[)ECLARTIQJ OF ILLI~[11 [IERRILL
bull
$6]00000 $3150000
Ulnd Pure)lne eltDow COSt$
$1~83SOOO bull f2222
S917SOO rfiloOO
8vRdinamp lSOODOO 1150000
Archltt~ 2SOOOO 125000
Rel)~e 1110 docks exsand 220 volt31o to dockS
25000 LSOO
12500 7SO
Other bldJIIIIJ)ICvefllttnts 75000 37500
Rcplbullce deelc Whoanv cabinet
3SOOO 25001)
17500 125001
EltcbIQI blhlltts 2MOO 10000shy
Elewlal bllnlt bull dliltional 20000 10000
Sounds~um 1~~00 525~
Water ll~ters ~lnou in pra1~ Wllle cablno~ ill laquoIn
2500 7SOO Scent0
1250 37so-1
3150
Oarlaoom Cllblncts 12SIJO amplsomiddot
Are pk RepIa~ dOQil
usoo 2SOCjl) 1~~
lnrtellatiOl Wor 7SOOO 015
Reoli~ decla 200CO 1DOOO
Ellt~lnmellt anrer 15lt100 7SOO_
~n intor4St bull cwcuiUed -~tJXJ uUM aoo~lt asoo bull150 aurrst 100)0 SOOC Clunderers 28000 14000
~rpo~nt lCOO lOOO ~-Adl~~foom 12000 6000
Desk bull JYons room 9-SOO 4730
I(~ remodel 11000 middot019 Ctilinc b nc 6000 3000bull TeiQIIIOft bull oenlse room 3000 uoo Outslde~n SCOO 250(1
W~middotdi)H 11100 soo ~ndJiaplnc 50000 125000
- 0 U$500
Subtoal before homeowner eoemptlorgt 0
Homeowners ~vption sooooo 2~000
0
ToulcOrt llll771 0
middot5162771
--------------~~-- -middotmiddot---------~-
APPRAISAL REPORT
of
RESIDENTIAL HOME 6020 Lido Lane
Long Beach Ca 90803 Naples lsland
APPRAISED VALUE $3900000
PREPARED FOR
CHASE MANHATTAN FINANCrAL 3991 MacArthur Blvd Suite 200
N~~wport BE~ach Ca 92660 (714J 760-2671 FAX 760-6252
AS OF
September 23 1993
PRIPAREO BY
Dwyer Appraisal
Larry l Dwyer UcAR003464 Cortlllod Auldontlal RE ApprAitor
30011 Ivy Genn Drive Su1ta 123 Laguna Niguel Ca 92677
(714) 495-4567 FAX) 495middot2363
-----
middotmiddot
AREA CALCULATIONS SUMMARY LIVIN(fAR EA CALCULATIONS
A Area NarnD or Arlla Slza Totals Braallaquofcwn middot Subtotafa lt~ -~ 1bullgtR -
G[1 rirs 7middot1oor iISLOO n3-o ~ X 1400 2l1GDiil
htbulltiol St ill t Cll middot rfmiddotP70~ Hqza~ -50 -H9 25A l so
~ltgt enclobull~d Patio 4js1S US25 _ ~0 n 5o middotlH ~li tIIJIlWirt (A~i~ll_- Ul1cent0 llHOD -200 LDcent middot122 1)1)c -2 QC ~lll~ -l 0~A
l bull OQ ltmiddot middot5tao bull02 400L 200 ~ uoo 1G2 ~oc osl ~B )Q HoB
55~ X IIJ 24 2amp6 75L ~$0 X 4S so 1~1 ~ middotnA 600 X uso a onT I JSa us~ 16215
0 2 5D ua~ lCSSSO
N 1 DQ ~ Z7 10 2750
s -550 Hoo ~11100
-500 2lOU middot110D
Lllno__-----middot--middot-- l bulls2 ao
TOT1L LIVABLE (rounded) 2882 J _ middot~middot-middotmiddot bull
SKETCHAREA TABLE ADDENDUM liia No 3 2590 2
S llOfiOYIampICIIent
u ~~D~o~b~k~i~n~------------------~------------------------------------------1 Proptf1y iddr~Gs8
J 6020 Lido Lane E Cltv CoiJ~Iy Slate Zip Ccdbull
C~--L~o~n~~B~e~a~c~h~----------~L~o~a~A~n~e~l~e~s~----~C~a~middot----------------~9~0~8~0~3----~ T Andbullr
CHASE MANHATTAN FINANCIAL
nay1 1v1arliUl tH
~tl
t M Patiop A
t0 v e 3 Cltr SublmT~~ncun GruugooWino Ccllar M 1H AI E 3CJI IIa
N ~ r-a7bullT Ulil l s _- 10J
I btzr DliTlaans ubullK
E ~ -~1~
17
middot~ -U
T ~~r~~ H wtuc
H J j --- ~
= rr 1 i- il
ir lW
IC
Front of Propertybull
$0IE 11nth 18 Pampnt
M-rm r2(X)O
CAL~ULATIONS ADDENDvtVI Ale No 325902
=lrst l=loor (GIAt) Extamptlor Slalts (GLA1)
-~middot
A R E
ns~
-550
middot5 so -200
-200
aoo 100
oso ~ Ia
) 50
00
150
Hso too
-sso -soo
tbull
X X )(
)(
X X X X X X X X X )(
X X X
amp40~
IIJSO
uso noo noo 5100
~100
ta50
o uso uso uso uoo 2750
HOB
uoo )53 oo
lJlQ~D
-H9 25
~1na
middotUIOO
bulllZlOO
lOZOD
tD2 00
2125
tun 12H
Z1900
1UU
lOU$0
2750
bulllllOO
-tlOO
-tnoo
uoo X LOO oo
Totaf for Arna 298100 Total for Area llGOO
c A L c u l A T (
0 N s
Eneloaad Patio
400 X lG~SO X
30 X
(POR)
JO~O
110rt
20_0
middotmiddot
1200~
IOtfO
71 75shy
~sragujWtM C9llar bullmiddot (GAR)
H~Q X uoo 111)1 X uoo 1000 X loo Z400 X 100
1000 X 750
ucoo lHM
70LOQ
tUOO
1100
B R E A K D 0 w N
Total ror Aroa 4~625 Total for Area 133100
Paga I of I
SKETCHAREA TABLE ADDENDUM Fllolo 325902
S 8onvNbullrCIIan1 U Dobkin
Property Addrell 8 J 6020 Lido Lane
Ctty Cotlnty Stale Zip Cede
~~~--L~o~n~~B~e~a~c~h~------------=L~o~s~A~n~e~l~e~s~-----C~A~----------------~9~0~8~0-3~---lsndet
T Chase Manhattan Financial
ll
lie
2nd Level
~middot
aabull
A
UH
umiddot
I M p
0 R
v E M E
r s 3 lt = r i
$C~lE lfnch = 18fae
-middot ~t_~ ~middot AREA bALCULt TIONS
-4 ~middot SUMMARY
bull _middot ~ ~ LIVING 0REA CALCULATIONS
Ar~a Nama or Atea middotfoiais Subtotals
SIIICOJIS tloor
2tU so Y
middot ~~~middotao 2ll7~o
Bxtbullllor Stair-~~ cHon x us_o -lS175
~b To ll~lur jso~o vssa 50 ~l5L75
~Ck H~n~ 00 Spound SO 2~ 75
o~ck HI Z5 5 so o~o 264 75
PtDnt Daok 1000 IL90 ~ U$0
26SQ X JC~D
1-~middot X Jln~ 1 1
middot-middotmiddot bulll05Q X middotHso -2gtamp15
-uoo X n5 middot17Z ~0
-J so
-11~
X
X
oo lSo
-ll ~Q _u ~L oa ~ J uo _ oo 700 r 30 oo -21noo 100~ X lt oo bullt4LOG
---~--~middot--middot-middot--------
TOTAL LIVABLE (rounded) 2533J --~~ -shy ~~i~middotmiddot~middot_$-
~~middotmiddotmiddotmiddot gt-~ yo
CALCULATIONS ADDENDurv1
Flte 1o 325 9 0 2
Seoond Floor (GLA2) xterror Stairs (GIJ2)
nu X fSOQ 2H5Q 1100 X bulloc non middot550 X SQ -U4 75
bull554 X bullmiddotn bull1St 75
050 X Sl$0 Z375
sso X uo 2U75
nDO X UIO USD
250 X U50 ucu 10 X 3toa uo
-tftD X Hso ~27tU
ISOO )( uso -17250 bull]0 X p QQ -Jl 50
bull115 X L50 -~ ll
Total forArea 298188 Total for Araa QQOrJ
-~ middotc-imiddotOpatlToaglow (GLA) D$Ck middot~middot(POA)
oo X ]000 21000 1~50 X 1000 ~noo
J~OQ X ttoo HOQO
Total for Area 35000 Total for Arel 26500
~-middot Deck (PO~) front Oeck cPltRr middotmiddotmiddot
ll()C X s~so Ut~Q lZOG X tOQ uoo s ~u X zosc 112n too X so 2200
Totalfor Area ~ 29425 Total for Area middot 7000
A R E A
L
J
~
r I )
~ )
)
)
I
i
SKETCHAREA TABLE ADDENDUM FileNo 325902
S BommtCIIMI
J~--~D~o~b~k~i~n~----------------------------------------------------------------4l Prapampltly Addreta
J ~--~6~0~2~0~L~~~middotd~o~L~a~n~e~----~----------------~--------------~~~--~----~ Clly County Stille Zlp Code
~ ~--~L~o~n~~B~e~a~c~h~------~------~L~o~s~~A~n~e~l~e~s~------~C~A~-------------------9~0~8~0~3~_____ ltndetr Chase ~anhattan Financial
BayMarina
3 fi
3rd Level Upper Level
ll~
Front of Property
LIVING AREACALCUIATIONS Area
bull middototmiddot
Narri~Of Are~ ltmiddot
ar~takdowk ~
SUbtotara ~=-~--~7f middot1middot
GlAl rhlrbullt tlcoi 249487 111o tlSO ~2U25
Bdariot t~d = -931011 s oo 4 somiddot bulll2150
fnterLc~r ftaln -UlS sso d(SO -3$475
POR )rd rv~l frbull~ 2Hoa s~o Ho l61i 0 7S
lM Lavl De~k lt4 so so )lOQ l~4 00
150 X 25 oo 8~0
noo X 2J~~ HLO
-60~ llU -s~ no -~50 X 110 -JLSO
-s n~ X 5-S~ bull so
-115
uobull X
r
~so
7cent1) -middot )]
H2C
llo~ X Qo 19 00
1)~0 X lM -Hz~
TOTAL UVABLE (rounded)
FdtiIT nbullroJJ
CAL~ULATIONS ADDENDlslVI
llla No 3259 0 2
Third Floor GLA3 Exterior Stairs (GLA3)
2150 X 1150 22Hn 110~ X 900 I)(J
-~00 X _0 X uso uso
-l~bulln
-15415
~50 X U50 24$15 bullbull so X uoo J0400 J 50 X 1500 0750
17(10 X 2150 au so _co X nso uoo bull3~0 X bullbullbull o ~uso
-too X 550 -UScent
-175 X llo -Cll
110 1 X lDO lt2bull
Total fot Arel 248487 Total ror Area 9900
Interior Staln1 (GA3 arct LeVa~ Deck (POR
--middotmiddot middot bullmiddotmiddot-middot
I3 o X l$0 4125 J050 X 500 IUOO
JOO X noo 5100
Totat for Area 4725 Total for Area 23400
3rd Level Deck (POR)
11oo X a so lHbull iO
Total for Area t4450
t
Pogo 1 or 1
FcrothJxcct
Dwyer Appraisa[
PLAT MAP
reg
CALvULATIONS ADDENDurvl
Thftd Floor (QLA3 Exterior Stal01 (GIA3)
u~~ X u~o UU2~ llOfl- X oo 00
-~0 X uJo -U2~0
-~-~0 X UJQ -ntu s so X p so X middot~50 X
o l~ oo 2 oo
Hmiddot 10(00
Of~~
1700 X 2JU 3 so -Joo X 1$0 uoo -)SO X poo middotlSO
00 X $50 -H 50
bulllo75 X liO -su nobull X 10~ uu
Total for Area 249487 Total fat ArEII ggoo
lntarrotStalra (GlA3 3rd laval Oeck (FIORi ~if middotmiddot
u~o X l~o nH ]050 X 6 oo I~J 00
)00 X 1) oo Hoo
Total for Araa 4725 Total for Araa 23400
3rd Lgvsf Dock (POR middot
no~ X ~-middot0
Total for Area 14450
Dwyer Appraisal Praoor~v Dorhgttion Analvbulllbull UNIFORM RESIQENTIAl APPRAISAL REPORT foife No32~
middot-------1
middot~ Nole~ R1~ W IN t1tc1-l ~omJ~Wh11 ot chll ~ct~ad ut nK erhttred tlltW~ ~~ fbulloIOflbull
~ coiAMiNHlt 9Jbiost it Laat-lti the letwt sltlrt 11nla eottlt~r~ g~allty Htatiel ~HYhou~i rtlllmt
lrJruJze ll~Cil Fr-(RltCftsJ m-~~4middot~ bullHn lartb ~~ref lest Good Oampintenanct leveh Pltgtttooo=Lbull=---t
l shltooinQ I rbullLat61 ~~~---middot------~-----~-IJ ~SEiAlT~ AOOEI(WI f(]lt iDPTlregL_06TAlL~)
i oewrAAL oucmos EgtTfRIO~ QUMJbullTrQlf oiNOlllCIN DAampIIINT IIUIgtATlON ~ mt__ Mftfrofl tcrCr-el_ lllltb m___ bullmiddot~n ~- n ~ 0
SLCIIcu lhrgL__ amptfuNbullt e So 1b II F~ IIA cu COO - ~tUyen09___
T~IllatAnl ltaened middot- 3iSL-- Bet ~ Ctll~ Jl_______ VIIUbull ~--- []1 ~~~ 0U1Jft (91yhl Glrlr~bullo~ 1int~ Hgt_l ~mplrnp ~ Wltft ~-- ~n~O~middot- ~wll(~ Wtdoi11yenTfO ~~ on rtore laS_ bull IJL__~ I( --- 0~---____ P1QDP2Gd ltlrm _ e1111m1nt ~-_4ot-ed 011lbull~t poundntr ~-~-Y lpounds1- [i~----middot UMu lotfUtctillll amp-~ $crtcr-w ~ lffuttllm ~ Noted__ ~ -~ Erc11r (Nitltulltbulli
ADL lYra) 2 MbullrfuluH Heut 12middot----~--~JY~_IA~-----------~~JU~JA~---- ~~t~ ---shyrrrt ti Jt bull iY1U 1-2 NA WA IfA
-middot---=-------------~--------middot--------~middot-----------middotmiddotmiddot~--~middot---middot----middot----
--middot--~middot------middot--middot-----middotmiddot----------cmiddot-------~-------~---middot-------1 Dbull~reclbulllit~ttQtllrbull)llrltri4Mtlll(loj_tcf1oollt11itu~ottrQpobullhrw-Ko-t~nlhMkn-t bull~~t bulls Jn Gad_OVfratl ~tt~cp~~t 1tld~eit5 O
_$fflod Sflilrs bullr~ noted -~ubleo_t lrdicatEgt1 lus1s Mif)Qr then t~-t preamptir~~~~e-1 d tbull ih lAISor ie_ ~r(r01t J=tilt-fl ampnl FlflC8hiK~~t 110tgto1n tlre nru r~ Sypkally 1llartllteror~lttcrfrmt tj ne lxgtlltlbl due J~ t~ach cotoIUilHy irtfluco lhi bull ~middot Ld ~--q ro TgteOgtUr~b Lo eftqt on middot~ieets Vftlue or llrkamptelgtjtj Y Iiithin th Cs mr-lket~---t rJt~d mbulltktt CONfil~f4 td puw1hn01 in~ lrnlbullc(in Utbe-~ctlNltt trU r~udllQ foirn51~rtt Wrut tJtrd61ront tld (QK4uiYf amp~ft OONittai-~ j)_rla itabt__ amp ~)lt()bull bull4 rot pr~(ent fn th~ ~rM Silil9cta 1lrsotlng ttq lotlfd l_s in e~lt~amp of 6 trltrtrs h -~qr~ in thin r-cl9~ ~9 1idlt_i9 ~ri~~dly DJUQJlH~~ro qf~~itsbl~ fg htrl)tr gtricltlt WMbull ThlbulltJ~Yi~iftIA~t Rf~ ~middot thmllllum SltIJthem CUfomlb middot
Dwyer Appraisal
f w Ft~ll Mill- Ptnbull Mat lhl r f0Wt ICf ~bullhtHUent tnd OMe lpcNch fOff111111 In 1hJtbullbullot -middot-~-l (l)tt tlt~ are ft01t lllltSMll amp fllift bullbull ~l es fnf01111ltfm -~~---~-----~middotmiddotmiddot --~ shyby l~gtltal llltHdersconva~taltbull lgt~tn ~DEO Mlq~E~----
I f-qoy E-bullmiddotntlbullbull ~a8111$mies bull - bullbullbulld ~----~---llloo~n L1ll_sl81~ bull 1vlfl amptLmiddotr~t~ et lftw bullbull bullbullbullbullbull bull bull _ _pound1Clt=--i
~at A~bull-M lllr INO$dlt Wife bulllt~ Fuulbull Mtol
DMa bullr~tf~nfOtft M tr()lleo~~-1bull HVDNA PI~( ICampt1dbulldt1 0 Vbull 0 Ho Nbullnbull tl Wtrttnly llrampQIL
HNoapltlrtl lllEIU~-----~--~---------1 Wnnll C016tqe EIM
~DICiTeO VAlUF BY SAIES COMPAAJSON APPROACH bullbull bullbull bullbull bull bulloiCAUlJ VJIILU IIY 1~twt APiiOAIA r1 Ap~eitlt~ t1dMilN trl-fIUI ~ $ ___)j[lJ~--- ~ K Otbullbullbull rt1nt ~IIPihr N bull bull ----~---J NIIIPfrJiut it mamp no abull 0 bullutf~t ID tr tepti-1 IIIOtbulltic-INIf(litll 01 ro~lliorwllIM lnl~rW 0 EGM~bull~ IU plttlll ant
b IQCtthai It bKampIIfl~ IM bull~t r~qitorntt~tbull~ IN-vtllloKft-laMIAJ+11 tMJ~tf~eod~41111 tMMbullriramplt ltf-t 6trrnh~ ttwt Jbullawtampt~ In
] frrtA UUO amplor VA lrat~ilo~ J lrc~rt Mbull~hmiddotM UO ltfn iJ9tlfiftntiMKFrm 008 at-1~J Old11~~~~ 16__
1EI PI ~Tpound 111pound MIXH VALVC A9 Drlmpound0 OF tff SUillCT PADIt~lY A9 or ___sW~----middot~ ~~~ bullbulligto I
IMII -M4eletBJ hrn t(bull ttw ttICI CbullWltCI tNt I (we) Mlt~lllllyhtptctef ~tt uPtcl PI7Mrtr ba1h lltlde td4bull1T
thJ r-t~r lttNt lt-Mt I ~ ltttt la Vol$4knd ntt~r rf41$rlt cbull ~~~~IJt-~11yenbull hetn
PtY-pryen161~----------middot--- Omd Ooi1N~l 6r Jtgtll~bulltwl NA-JE ~~ PrsoM~
Dwyer Appraisal SALES COMPARISON ANALYSIS
IIC9
Dwyer Appraisal SAlES COMPARISON ANALYSIS
Dwyer Appraisal
----~----------------~iltNDJmiddot -~~~Do~bw~~in~--~--------- --------------middot-----------------------shy
~~~Q~L~i~d~ok~La~nwe~---------------------------------~~----~~ 5lt11lJmlg~ Cg~nlty Lof 6ngele_amp__~_____s2Jtn11 Ca 2jp Codo 9Q80l
Ltncfo CilASE MANHATTAN FINANCIAL C02
AOOITIONAL MARW DATA OOMMENTS
omparab~es H4 5 and 6 were s~leeted f~ the Lido Isle area of Ne~rt Beach Although Lldo Isle s substantiaLly further south ot subject the island of Lldo baa stmllar eharacterlselea is not ttad and eorudderad sllllilar in overall market appeal
Jmparable U4 and Co~rabla 6 are both very s~ltar to subject in livlrtg area and the large lot lre Their location on the island and their bay)hnbor vbv is vary tmilsr to 3Ubjeots Large ~just~enta W6re not nacessa~y and thaae to cnmparablea are given considerable weight
~~able 05 has tnferior lot utility as well as living area ~ich raquired adjustment but tha Law was couaiderad s1mlar All three opound theaa co~arablu reflect similar construction quality 1d we~allmiddot marlcet lppeal
lmparables 7 8 and 9 are the beat of eu~ant liatinta avallable on the Naplaa islan~ within ose prOltilllity to subject Although they reflect construction quality and conditiOn more similar 1 aubject their inferior lot si~es snd utilit7 at vsll as living area required substantial ljuatments Current llstings are fumfslud to demonat~ate the upper 1~t opound value for the tbjee~bulla nampiahborhood Adjustments 1n the grid section reflect the approximate sates to lat middottee pereentaga probull1lded by the local Multip~e Listing Sarvice
DNyer Appraisal
___fgJ~~lri Proa rtv Addrau ~ ld9 tBM -~middot County lolll~tt ___J~ Zie Clllt ~
LKndet ClUE ~~ltATTolll fiiWICtAL (JIQ
AIgtDINDUM TO APPRAISAL
Ojt 1 loeaud witlbullitl t~e city lln1t~ of ~ Bead) Callt~fa IOrll Seech h toutod llgtrodnaUly 239 nie$ ~h o1 lA~ Jgamplu the ~llty seu o1 10 lneles CCUty The pl9atnt J~QpJlat fQl o1 lAtl Bead h lllPIgtthattly COO vi thin It 4971 tlll~ lle~ lhe ci~y Is bGrdered laquo1 the U)rth by lampblootl the $dfltf1 by u Pacific Ooeltl tl14 Vet by Olr5Qrl Std Latlta lld the East by Sql bullad end los Al~ltoa (OriJQe toTJtygt tt ia eUo bordered en ~flo lleat by tfle lcni Beldt CT10) FrtltMtf tlo llorth by the Sen Dieogt middot-y lmiddot~) allll the Salt by tiM san ~lot Rlwr F-y (I-60$) OottVtlertt 1~y middot~-s II I hlcflly lrelgtlo ftaturo tor bullbullfdlnts otto ~rte t the a~bull
thougl1 the city Is plfnar1ly 11 ruldtntal tQOUfty a stbsturtlat prtl01 a1 lWld 11114 Hsllfved tor trdJstrlal ~iat lit( Dfflcbull rtldlltiJS u~o lfajlaquoo siqlflllll COIIpltxa are acated th~t tte ity Cbulllitorni State llnlwrslty Wid IDrg Belich City t6lloge ere bulleated ln toog ampMch amp~ill to loroer Prb ale SQItttrod tnrl)jgcJt the city far tile re~oation usa of the resldoota
e fident1~l ~Xltmnides bullrbull cha~ttertlect lfith a 111Xtlltll of restdlltialvi~s tqing fll arell oldt loxl frlllle airqlamp fenily ~as ta l11rger1 rltNOt1 ~ra ~rn trset t~ txbulltng wlli~h bullr~ ~~lble ciJo to tke 11o1t11tt aitt fnfucn~
lje-ct t Lacatod In tJo SCYtbeat coMer of ltng Be~cit in ao arM alown u Naplu llpl03 h an iamplencl In tl1e eorttr of e 10g Botsch rfna and 1a IICicnuble fr011 he Ean bullnd tloe lint by Sa=d Stlttlt
bull rntigbolflood OOil4itU of avetbilebullgood ~bullelHy 01111-thrltlltl story detadled houus rliIQitgtg 1n elze frltn 1100 to SOCO ~~ ftet -r aecltou h appiQKItoly thrlt111 niles tut nt Nifborlood ml~ good lntwnt llt~ela Scxgth WwiJ ald rtlatd Vi~es orbull ~tntly QcaUd to the p~rty tie botlrdarl of t1le nefgfilomood ~~ct~ld ~ tM hlsnd faelf
~ faUna ts a hidllY dtagtle Gnd pre3tfolcus pllcente to Ulltt ltm Its grtat locatm j pttgtltity to tte ~at=r Tte lota arrood tilamp 1bullifOlter ot th4 itnf havt tJc3t dock to tile Net liUh tM obtfty to 1c~tt 50bull60 +ya-tu Dnttra of th4se ~~ have dlre~~ eocua
thofr OOta fred the r~r af tht pfQletty will ch can thelt be Moiuted thJQUdh tho ~ l cut to the Pat Ifie Olelaquol the hmu lrltMd bull l)fgtrf~teter olIIO hlve ~llent vie~~S of t1e bly 1d eft) llihta For ruldmh COl 1nte~lot Lab 1t It ltny a lllort walk to llfll of tlw V4te bcl-et tr the tidents and tMbullM prtl to w~ llcmu cr1 fnterlor tot t)l)1colly r-arg= In 1181114 11011 $150reg to ~tn)r
e~ the por11Mter ~th llllter frcntiiJI tgtP1ealty r~r99 fiQ1 SVXOOCO )Igt StOOCOOI- Thbull t~ In the IJJH b tC71Mrd~ the rexJHdlrg Otititien to rrdor ccnptota HnOcletlng of all otdeJ heriot tile hond ampooQ tM gtltltfMUI odjKeot to thamp bllltld Th1a trend
~~ltthelt-- tile rtobilfty of Mrka~ lamplue$ in the aNa
Dwyer Appraisal
Filo No
_B2~ttSilpn1 COOle In
Pbullbulluru l~st 8l20 Lido L)) Cllpound~~cfl C~llL2~bullLa Uabull c 2Q~ltIdbull ~
~middot----lendbullr CHAS ttAHKTrAN FIIIANCIAL tW
ADDENDUM TO APPRAISAL
XTERIOR FEATURES rtOIIltlc (ltIn tbtrs) $prinkler ampy$Ctn tn jrllrlt amprr yafltlp
wltold amp gottd llfltry to tht front dltlor provd~ privacy at 1141 u a frcnt patio for lddhiltt111l fbullnctio-at utility oblld p lltltert in t~ frltnt amp r r yard 1sta1 dr111CIIIIY Ia nade of aalld flags~
~~ front porch is~ of solid fl~tONO
111r yard enoleooed ootith a~middot hi~ btoek ~lt Thh proYidlte9 aitiONJ~ ueurty li~t obstru~tlng tile bay vie~~
CJJbulltltlll luilt bullPI in tte frat QQ(Itt)llrd bull 11 patio bullnbull elso hu 1 bulltmiddotfn 18Vfi~ft
lttio a~s t~s tM r of 1lltJ- b llco(e of solid fl]ttltllo
rt of the riNr patio 1~ It CfMbullrltJd by ttl~ seoni lelto~ol dedc
~TERIOR FEATURES JIIIStDIIII ftcarlng In MtJY hltJllnlf I t~~ m thegt 1bullt Uvl 1 sCCIId lbullvbulll Is all 2~~qJare 1111rblt YilOltXf qJJotty eubulltat e~gtrprtitiQ th~ the root of th om Item h~~~ qUII ity Stow-oo ayttn tlulCIltt the ~
J Cfllllity hcurlt) syatern th~t Joillltfl ta dNgt~t disl to a sacu~lty JK~nltorl~ Jbullrv1 ce nt~t len shutters thr~ tcglt~thar wf th 6tioer CtJbulltOltI ulndr1t eowri~bullmiddot
etaold llV~IJl9 dl~t -t prflllr) rcons ord t~Llolllys
to 12 ooilirQS tb~ ltlOSt Of tho hi3e bullll~tbull ere ptaced bulltrateic~lty thrctllflalt taD IClWII mot41t~t tlvalgtool tht houso rn tfoe addltOfll bedJQOM JtiiIOfef Uo((frdle dltxgtrt rt is 1lao a Mp~Jrato wine ltollar gt1ich h tlle~tatiClltly t~rswro I ~lfrate taltrollcd h a lourdry chute fiOIf tl~ llpl)r tel(a) to the lalndry ~ ~~~ at t_ lCooer lemiddot~L
TCHEN ot~rtopamp In fctttMn are tolid ~rooite
itOOltI flco~iJ In kitclen i nd area
Jlll~ cOltok~ aU othe~ top ctlIQIty lilltes amp fl~t~res und In tnt ktt~ as OMlL as the bullbullbullt of tho hoobullbull amp il a ampefgt6rete fet at thbull kitchen sl~k for inseartt hot lllltiH
- is a mr~ 114kmiddottn jlllftry lttich h bull very ~lrabla fbullbullturt usUIlly fafd In larlts rn tMt t~
bulle h IJ lalge built-In ref~ig9flltalt-tob-zero 1reeter lith the front ps~elamp Mtchlrg Uo cablrgtlttJY I~ the kltclltn
lULV ROOM fQnfly rogtOfllllls its on firqJlace
STER BEDROOM amp BATH llll$ter gtlaquo110011 fs Vol) ~paclobull tltch fa a typieal fcatTJre for thi~ ~ amp ptloe ~of ro ~ h a sittlrq area or retret~ at ltgt1~ End of th~ lliISter beiroott taster bedRltln has ita firepllaquocentB lotlfch h triliiTed 1(111 norlle l~ tlt~ ftooriJ9 thJt1-IGhJt JMst~r bath rzi tlb in IllS ter bath 1 ampt-alor wt th clxibte shltloer hctado
h a t6r~ llalk-in cloet in bull~tr trooo 11tt~ buHtmiddotin orgbullniz amp ol-olve$ Le amrcqJI In rraquottor bllthCan
lNG ROOMDINING ROOM -o 12 ceHI~ in Uvl19 ~ tving roar h11 it 1$ Qllll ffrplate llttici a tr-fmoeltf uith rarblo ont co t~o dinllg roro thQr h a bar rem JJth e w$lkmiddotbehtrrl llH bgtr th~ 1aro1ly ftJoCt1 with a luilt-fn ref~t~rator amp fc Jor n stulptulOd c1rpetlrq in the livfhJ roato ard lldJont trca3
IA(E bull~biO n qood qtelity ~Llmiddotup rr- doors wHh liample dcor qJltn~rs bullilirqbull amp ~alls in the qgtragbull are finiohelti ot ~bullt~r ~tor hltla a rbullmiddotelrwlbulltlf ~ lottich plOIbulli~centamp notMt hgtt lf~ter to praoticany ort(tero t~ the hOJs~ 11t to tbe 90rigc la 8 ~tre cellar middot-et ba- liN 112 bllth
~-===~----
Dwyer Appraisal
-iUPt-~~JL__ lroarty 6lt1bull~11 (lRtJ lob le
~~altl Cauntv~~ sra~ C4 II a~e lalll Lande1 OIA$E rtNII4TfAN FIIWICW eolt1
ADOitNDUM TO APPRAISAL
lnal Reconciliation
bullr Nl$ llo 1blo Reccrd5 $~bjeot has nat ~euro11 ~fated or told tn the pKt 12 rrcntlts ampnd h nat pr~$llntly listed
te nat cttampttt bull~u activity tn touthHrt california II e11p1rfenoif9 Lilli ted aetlvh~ dUo to a tlt~gglah OltOOft lotile ptql~rty vallo$ pear to llttve lttoclfne tn eore 11rtas other etelt~t are ~~le $ tlaquoM areas hll aGtuelly lncnut fn vat~ A pertloular llef~barlold fVIf Prfmce lhat ~r$ to be Iii t~~ary cleltline fn ~talue ldoltrt nveral ~r-s 1eve an wgent nHd ta aell lara aU ~t1rq for thl middot111hed nlnigtor of bitter~ llll~gtfbble Thfa h -ftered to be bull telpOnoryo aftuatfcn lohfch will oorreet Itself 4hen tM tOIIIXIral) Ooert~ly ~ b ebtorbod amp detend fncr111nJn bull111~ Ioiii~ hllgtl~ txperferncd laljle orplO)lMt ~ffa or oloVte of lalfe renufacturi~ plllt1t e rtcwery petofod formiddotp~ty v1tlut $ thl stobHlzatlcn of ~lfmng Yll~ claquo~lltl be atttantloUyiClIQltr amp lOft sown thon tEIIIlOrsry
this CQldltfltll is ratld or ena arprmf~r h ~$rt of It I~ l$ ~tod en bo amplfSl8rat~ adclrldln Nrefn middot
thh 11sprabal anfgrncntcal4ful ~~IGltI ot all curlltrt Mrket dllta wu conafltlerod ~llfch inclLdcd analy~1a ot cu~rmt ll$tlngs penii~ les aa wll ~ tJqtrld and -l~ lhtt~ P~lng aales 1rot~ltlthn 1 gfvm ratkat ar~ can rerg in vamplue wbst~ietly ~lng lfv~rQ area rccn cortt anenlties ncltrlng view or lllcc ot Vflll and 1q~~ta ~ ~tfa1 lf there litre pending MlM ~tlfdl N aio~~llal to subject In ovtral~ rarket Ollll4St1 cne Of~ of thtsa ~fng sslobull Mite beelt fncl~ fn thh tltport rt there 1111r1 no liHir per-ding ales ptnd111J alet lhich ~ltere not silttlar Ore not Usqd lhe u o1 ranbulltlnf lor Mles ~oWld Tlt~qJire thm vn of excQsfva 1 etbjetiw adjus~s leodfog illes 11119 adequE~tely teflect curr41lt ltlrklot derltJltf ~Mingo les of ptepcrtles stnflar to stbject at fees l~r thlo rtelt closed sal are gfwn tho roampt lieigntPendfng 14~ laquo f~gtlltr ~rtles hil1ltr prt-1lt1 than r~t eland sales 1 g1v151 o~~fniMl wf~t sin- tie~bull fa bull poulbllftl tlllt thay ftlt nat clo~e aaerou for a VarfOU IIUber of reafiOM
led ales withfll thl jlolst 30~ drtt aramp IIOlt raLteble alllcento tMy hlrw ctOltHQ amp Urrt are -t recent II tllo ebtenca qf reltenC eloeed gtendfngo satu 111 ~mtyenab f CM~ llstlnga ws also ~~ted ~in thitrt 1M be a llidbull ta~ t valuoa -llllble tor Uatl~a far 1 lfll~ tf abooa llstrga prlcad out ltgtt llfoat ~rata be reailcrollbltt range of wlut Wllftt not ccnalderol ~ und In tht rtthey hlaquovtt btco adJusted to t-4 prebogtlt ~~Gmntlllit a1 Mlt ta liat pric es reparteltt by tile Local 1Jltiplamp ~ittliG Service Further iuatmnts aN then ~eased en teatur~a coodftlcn etcent Hfnltral ~tight h given to t fatfnga ampitgtU they tore clrly d~trate til ~ lfroft of value for PtQPa~ths tfllilar to Sllbjet~t ftOir stbjeets narlcat Gru ~ are hMfr tile ro~t CYrrllt deta a~~ampftabl~ If cne t110 lfetlrgs 1evt nat ~ inotude In thl$ rtp~rt fn lieu of peldiJ sale t I$ becaue~ tfl~u ~bull nane ampYallabl~ coosldotrod to ba 1flar to stbullbject 1Qn-slllllor properttampS IIQIIld agin rltUir~ tM u- ot egtltltauw ZII1CIor Oj~t altljuatts tl1cn ckfeet th~ p~rpase Or bull eo~rabte t~lamp middot
middotmiddot====== =======~=--~----middot---bullmiddotmiddot-----middotmiddotmiddotmiddotmiddot~middotN---middotmiddotmiddot
FotbullN 32590~ DEFINITION OF MARKET VALUPIhe mott probaWo pric~ which amiddotpraporty ohOltifd brlnqin e bullampolfdve bull~d opbullnmorlltel undor ~~ conditions requltitbull to 11 loir oolo tho buyer ancl eampllor eech bullbull1ino prudently knltHYiodgubly and usurntng tht prloo Ebull not eHOlttAd bv undUltI inwus lmJ)iiclt In thlr dofini1lon the ltltgtMUmtn~tion ol bull af IPIltlifled deto Dnd thl poaslng or tidt ltom bullaJiar co buyer under oon4itlont wh~ttobY (1) buyor and wolltr ero Lyploanv motlvalltld 421 both panJsl art wnll infom~ed or 1dYid bullnd uch acting In who ha eonsidorbull M1t awn bs~t lntereot Ill bull roaaorlbullblo timamp is nllowod lor poevroln tho Ol)llt mabullbtl (41 lIY ibull medo in torms of ~bullbullh lrl u $ dollarbull 01 In tturno or flnonolel ~1111810nts oornp~rlbfo thereto artd (5) thogt ptlco lipiUIIItl rho normal caideratiltJn lor tha prop$ry aotd unefftc~od lly spociBI ot eroatlve nnancfng or ur ooWluslona bull granCed lly envone asbull soclarlld with the bullnit
bull Ad)ubulllmampolto to the acmp~roamplot mu~t be mede f~l 8ptclelat cres1iV9 finannlng or tlt~loa ooAonsiltgt~ No sdjuWYents bullrbull nao~orv
for tlto oo9t9 which ato 11ormally peid bv ttllilre 11 bull roeult ar trtdltlon or lew ln bull mrkot arbullbulll Ultse coots arerudlly ld911UII11No tlflus tht 1sller peya tMtt oootl In Yirtually ell eltlet tr~ntaotiant SPJclel ot orutlv liMnolng adU~tmontt can bt rnocle to the oommiddot plrable proportv ily aomptlisont to financing termbull offered by a third psrty instituric~lllandor thai io not afmtdv lnvclvad In tht propshyortv or trantecrlon Any Olltfjua~tnent aPtould not bm talaulartd on 1 meltgthbullnloel dollor for dollsr cabullt of tho ilnsnclng or oltmcot~lon but th~ dollar amtount of anv ad)ubulltmont ehtould apprlgtlCimato tht Markatbull rltbullaotlon to thl tlnonclnltr or ccncetlone baood on th~ onJ~Ufjorbull judgmeot
CltRTlFICATION AND STATEMENT OF LIMITING CONDITrONS CERTIFICATlON Thl Apprlliter ~artlllampbull ana reea thogtt
1 The Appr~llttr lult M prou11t or contemplollbulld futlire intorebulll in tJoe prcpbulllllbullpprlitampltl ~ncMithar lhs omJ)JO(mont to mako lite oppraluf nor he oom~~uutlon lor It Ia oantlngenf upon tho ejlpi~lbullad value of ho prGperrmiddotr
~ Thbull Apprmbullor hebull no paortallnter~al In or bias wfth repaot to th~ eubjogtet mtlter ol tho apptolool repo~ or tho pnr11clpanto 10 th oalo Tho eetlmlltt or Mor~at Vo11e In the lljlpraiul roport Iamp not ba~ In whola or In palt llpon the reco color or natlcn-lcHgin of thbull prcapoclfiM owMrs or ooouponl8 ol thapropJrlf eppralsod or u)on the taon ocor or notional origin of tho praunt ownoro or oocupantbull ol lito propartioe In t~ vfclnll( of rh~ IHGporty apprafbullad
3 Tho Appralttr hoe l)oroan~lly lntpeotad Utltl propwrty bolh lnaldbull ttnd a~r arltl ~ madbull an ooxurlot in1ptc1tan af ell cwnperehla bull~les ~~tod In lhfl npott To thbull but ctf tht Apprelearbull knowtodol~ sfd Hillel alt stttemenlbull and lnfarmotloh fn th~ roport 114 truo and bullbullmtal ~rtt tJe Apprel~ar h8t noc knovrngy wltllhtld ohV algnlneal1t lnfltJtrnatlon
4 All conlll~tnt end limiting ~ond1tlortt arbull GontalogtoJd hotoln limosbulld hy the termbull ol tha eoolgnmanl or by the LondtroiQnod olteotlngtlia anofJliOt Gplnloflt oond oonaluaonbull conralnad rn tha Fei)Ogtrlt
5 TNbull opproiulltpart has boon made In ~bullmforiTlty with ond Is oubreo( to tht ttqulr11lt1ampnto of tho Codamp of Pr~fassfanal Ethics end Stoinltlltls of Prolaolianal Conduort or thG bullpprnlssl GIQampnlznlant vmiddotlth whloh ~ha Al)rnlut Is afflneiad
8 All ooncluiliono end oplnlont concorrlno tlbulloo tatl aotbulltbull thst ort tet rarlflln tho apprUnl report ware prepari hv 1M Appralur whoto olgnoturo ooppoa on thltl ~tpproJI raport unlbullbullbull IMloatood a 11avltw Appralosr No ohenga of any Item 11 tho eppriiU~I t~port bullhall be mod~ by anyono othtt tluln ho Apptofnr ftnd lhamp Apprsleer ahall havo na rotponJbillly fer anv uah lttnouthodzed
ohbull~middot
CONTlNGllNT AND LIMITING CONDIIIOffil lt4rtlfialfllon of the Appraiser ~pp~lt~rtn11 In tM orppralsar roport Is subjaot to tna folfowlng oondttlons end to euoh other opecolrlo bullnciiiNJUng oondiHons u era aet forth bv Uo Ap(ltJieor in t~o rtport
1 The 1ppriHaer ~null4m M rslgtonslblijty for matte- of a legal neru affaotlng tha propampfV apptols~d or chbull titlt thbullrot~ not dcos tho Appralnr r~nltUt ~ny opinion bullbull to the tltlo whfh Is ftbull~m~d to bt good and matketnbt6 Tloa property appr41Ud es thouq h under tsspoleJbhbull ownerohfp
2 Anv tlltatoft In tlto r~tport may bullllow spproodmor~ dlmof$lona end fs lnolltlad Ia anlst th~ nad~r In oisuolfltlnQ th~ prop4ny 1M Apprsi~or hu made no svrvoy af tho proporly
a Thbull Appralosr io not qulrsd to ~lvamp tobulltiotiOl 01 appear in aouri bo~bullJIH of having m8damp thl appro1aal with ref~ ranco to Ute praportv in quetUcn unlaso arretlgemoobull ~avbull bbullon prlhi~raly mad OJ tftltmbullfor
4 Any dlbullttlbution of thltr valuation In lite rampport betwoen land nnd lmprovamtnts appfisf only urgtfar the malng prog~m af utiJI~otion The s-oparatbull valua11onbull tor lltnd ond b~lldlng tnuft not b~ Uliltld frt conjOncrioM with ShV aliter eppralslli and era invgtlld If to Uftd
5 Tha Appralut i~Jsumeo that thora ate no hlddon or un~ppsunt condlclono of thbull pt~p~ny eubactl ot strucntramp~ which waufd rendor It moro or lass vai1Jabi4 Tho Apprefs~r asournbullu 110 roponelblll1y tor tltr~h ctnditicent~bull or fM anglnaampring which rri~kt be required to discover auch fftctDn
8 Information ampS1iltnatet end o-piniont lurnlshed ra llta Apprai9et bullnd contained in tiN toport w~re obtornod hom ourebs oonsldmiddot orod reliolgtlo trd lgtnrtavad to bt truo and oorrect Howevar no rooponslbllitv fcrecrlllampey of eucl lome furnfohad tho Appraiser can bo BUUmod bv the Awrllsorr
1 Olactosuro of lite oontampnr oltho approJool ramppcrt fa gorned by 1ho9 Bvfbullwa ampnd fle~ul~1ions of rho protasnlonel ~pprohel orgbullnlshyl~tlona with which tno Ai=Pltbull~Gr is ~ffilialltd middot
4 Nafthor bullh nor bullny pert o( the CltltfG11 of tho tt~art Ot ~apy thet~of lincludino conolorolont oo to tho prop~~y vnfubull the identity of tnlt~ Approoor prohbulloiansl dlt~bulliglttlons r$loronc~ to ony jlrofQoslegtnill epplllal organiadono tho firm with which lho Approlnt ia connncttd) slutlt be u~od lot nny purpo~ lgty nnyoM but tho errant ~pooltl~d In tha repor tho bol~wor If approitol lu pnld by ~ovne tho mor1qo~aa or h$ Rtocurs erol nort)no morrgo~o lluurort conouitant profuofonsl dppraisef argnnllailtlmt any l~te or fllltlofllly optotovod finenol lne~tutian lny d~rgtbullrtmont agoncv or inttrumontaHy of doe Unt81 State9 or ~ny bullbull 01 lht Oishlot of Colutnbi~ without tfoe proviouo1 wrltttll oon~snt of tlo Approioar nobull bullhoU It bbull convbullvbulld by anyon~ to thbull Pltthll~ thiltlugh 8d~artiaibullltJ public rampIIIICiona news~ stflf or ocflor mbulldia wftfl)lft the writt111n CCnlont tl1id opprobull1d of Ula Appt~Sl~u~r
9 On 5iJ CJPDrehilll$ $Ubject to ~ldetactory cotnplrttlon rnparl or alt~ra1iDI9) thn epornlsnl -JCIrt ~~gtllf - ~r--~lt1slon Utl conHnmiddot gllnt upon coflyen1amption ol lho lflrevel)entl Ia a wnrkmanlik$ m-omr1Gr
BORROWER Dobkin
PROPERTY 6fl2() Lfdo Lnne rottr lleach ca 90803
Appraloorlbulll
YAioNbull~ FbullrrJt- MoM ~-m41~JULU-1 Fltlfm 1co~ n JJ~ 8~11
Dwyer Appraisal
Ftre No )illQ2_
~UP~~~~--------~-----------------~------------------------------------~p~~~ll~~~~e------middot----middot~------------------------------------~~---middotmiddot-----
f--Citv I~ Seilt~ CCUQ1 ~~middotlu---------~---~2i p_Codo_90ll3ltgt=-----~-__ Londer alASpound ~HioiTAii fUHltI~L tll27
AlPJlAISBi ClmTIFICAIIONS amp COMPLIANCE lllTH FIRRA REQUIREMFNlS
bull The puiJl1lle of thif f)Pgttlul b to estlllato hlr Harket Value as cleflnol In tho attamplthiod FHLK( fern 4J9of tt- bullbltrle deo~ribed real ~rty lhia appllliwt 1s f9r thamp SGt and txcl~ntv u1e of the ~e described ~~Cl l~tbull
lhta eAOreiL nay bo ~bulltd for federally ftlated rort~ lcall prrpous $bject to title XI o1 tho FIMnbullfbulll Insettuttcns Rtfon r~E~Wr) EllfGltcanetot Act of 1989 (IIAA61) The 1Mers1~ oppralter(a) aekrQtledg= ~flet thoy have rMd end Ydarstand tle Utfor arlfard$ of Proloslotw~l ~alool Prectf 1USIP 1 at they ~tocl end y bt atltndod 110lt1 tlre to tiM by thamp twrbullhal StIWdartfs gtard of the 4fgttaisal fonlatton ~rrl u trplenbted by IIOd 1nco~rsted fnto the oce (Off1oe of the CAlrtptrctltr of thamp Currency) ~Uqulatmiddot gtIU 1hla llgtrisampl QOIII)l with ilCC RegJlationt PSgtlt1 tfgte tlnl10~JI $tarderltls of Prof-teN~ P~cttca (IJSPtP)
the legal dorlptl011 9f tile prltlf)erty u ~on t~~ fi((t ~ of tMt t~R~rataal regtainod frm tha cnnty teK uunws riOOIds
middot ot-r ~rltgtd 11hlch ort eotiQred to ~ relloble- but Mt liJ(Irlltltoed Tho tot atgtd trs~t n~ lldar the aueuara par~L nlbller ~ra nsiIGIti lld~taly dtscriptlve ~ ~~ ot bull prtlbrirv~ry ti~lt report WIIoS rlaquoJUsted fron tb~ l~r bvt rltrt reeelv~ at the tiM llf loMe of this ~hsL
Th ~rlllampil$ eJtill8te af Nuaratgtle 1111rkttlng tine for ampAlje~ p~rty eelriltl~ ~hh the rlcetlng tiM shgtlm Cfl tht frolttt pogo It also rntated In the roment section en the nOOIICI ~ of tile lj)lltafaal
If tho tlbletta sa b val~ Is difforant thoR tite Estltcf valtJe t1~ val~ 11Hl bt stated in th ~te~oocfl btftlrl seetlcn of en rahal lepartlf thet are tne u~~e Qnly tigtQ aa 1 wlu~ 11 atatodA buH4fllQ Uldbullr ()()MtructOn ar In gtelaquolt of rqraquolra cr slttratfcns ll rerplre tilbull 1Ettita of llltrrktt vatbull lth tho ~~at~ 1albftct te box beilll chckocl Stlt thbull bac~ ptge of the ~pFn~iaal repon bull tha infanrat1et~
he scrpe of tMt flrahal frtoOlvod data oollettlon frcn vtltOIJa =r~t ta-fdered to be roliotblltJ 001 ~~ gvarantetd tn~ltdirg bst Li11itld to llblQ r~rd infec-t~Ltfa obta(hed flllfl hi lol COInty re=derbull Offiee Tll~ ll4tbQJfd1 t~oc Dmar local ttJttfple tlng a~vice1 buyen setteramp alli real ~t4te brQI(tra tooflrnotion Uo$ mt by ~ros~-cfleckirg fnfcr111tion ~ith tilt rorcu ntiCIlld middotthe llt~tultamp ere then repoltld fn the QWItlprfiltamp lrxirtftr~ on the bullr1lrel~l rtpOtt o~ ldd~lho pr1Mry data liOWCH bullrot provided the grid sectfoo lltfllt ap4U parnlb A phy$1cll 1npect1cn of tht fnt~tlor Itd exterior of the tlbject lrwerty 111 corjucte at ldltcl e thbull Epllraiter urilt t~o projlOrty l c~~loolated tlte orproJf-te l(fJare foe~ of l lvfrg amptea lhe ~raiamper tiiEtl ltIIcentltbull by tho fret
middot~h of tho laquot~~p~~rlblbulls ~nd tekh~ lIOtlta as to tMfr a~rrlftt ~leltol claquoldhioo for wul~tioo of their aolitiCII 11t ti~~e of salt
lhlre lilt~ rtl 11gt0141 pcraorat ~rty ttllfiS f1Mtut or tnt~rgb~t 1t~4 1101 notrolly ccnoidere bull part at tho rl MUte 1ncltdiod in i)raisod vatue of tht Pject ~rty My porKIIIl pr~rty iJ ~rteltl ltgtn l ttparete a6teldJ
the trltferbulllg~ed awratr(a) preaergtt end eertlfy thlrt~ (4) tt1e BProfoal auig1-t ~bull nat bas-M lt401 reqJtHIII nfnilltJil Vlluatflaquol eel fie valoetlro or tre owrltml Of toanBl etpiO)Wit of the appraiser wu rltrt oorditlmed OJgttO the awrabel produeii1Q a ~poet fie Jot or 10 1111lut vithfn a givon r9hgiJ CClfuru~ ~~t h rtGt d~~t qlCll en apprlhal prQdJclng a speelfie vatubull (D) amprp~t gten~atlltn ard fvtue eoplCY)lOnt Ire r-ot lasod ~ llllt~ leon lpPlicttioo h tppro~ed ltElnetlgtor the awrats rar any pelt(tl ~itlt
JOrerahlp intbullr~bullt In the ~ tqllaying the Gwrainr b rtla~~ to or hoa allj Wttrship or cthltr tlnncal lnterost 1rt eitller lxlildeobulldcvbulliper aeLler buoftr ror~e bttl~or Ct rtlt~l estate lltQk~r~~rsa (or a~y ~nM relatod to any of dlltr) irrol~ed in tNir~ti~ f) ihfoh this appntisal luu ~ raq1estod or utth th the l()t recalt nle or ratlnancfrg or irtY ll(OltIIty usid u a lttr11bte praportylogt thh epp-alsal ard (I) th lp9raiser h not ~~~o~are of tllf f~cta lhiltfl uould dtaqu~ify the frtn bcdng deelt to btt rwfeponrlltlft epprehel far ~rjlltI~H of $ltJQtion ~4S of th~ oee A9lotloo AOgulatiCgtlo
The IAdersignoltS apprainrCgt) h~relr ~ogtknltgttl~ ancl ~rtify that t~ltsy ar fbullJll) qBltliod ard Ogtltpqtetlt ly their training boltlge amp rience to f)rforll thh appr~hbulll II ~fter acltejgttallle of the ~tlgtrahol IHS lggtMt ald dullng the OJru of cordtlct f rg the ~wr~isal FPrampisr diac011ero tllilt tnoy ore rot fully ~t~ to jgtdrfor th owraiulthe ~ta~r will OOrjgtly vlth tht Coopetency ~ravtslcn SPAr
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4301 E 2ND ST LONG BEACH CA
(pacificshy 90803 Sale Price
rea1vlhomes-forshy$479000
sale4301-E-2NDshy Sold Date 102314 ST-LONG-BEACHshy
CA-90803shy
121096303)
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DECLARATION OF WILLIAM MERRILL
I William Merrill declare as follows
I I am over the age of eighteen I have personal knowledge of the facts set forth in
this Declaration and if called as a witness could and would competently testify to such facts
under oath
2 My name is William Merrill In the 1980s I was a general contractor and builder
of luxury homes in the state of California I now reside in Florida
-middot 1 I was the general contractor and builder of the home for William Dobkin and his
former wife Deborah at 6020 Lido Lane Long Beach CA The home was built on two lots with
direct waterfront access
4 The home was approximately 8000 square feet and contained a large
approximately 3000 square foot subterranean basement
5 Not only did it take a considerable amount of time to obtain the necessary permits
to build the subterranean basement but the building and waterproofing of that structure was an
expense that would not normally be associated with the home in that area
6 The home wasmiddot constructed of the most expensive materials available at the time
The detail on the home was considerable including doors windows molding lighting and decks
7 After the original construction of the home was completed I was then hired to
expand the roofing over the decks
8 Although this task vvas completed approximately 25 years ago the expense
associated with the house was considerable and more than the expense of building any other
house that I built in California around that time Although I do not have a recollection of specific
items cost and although I no longer have records related to this construction I clearly remember
that the square foot cost of construction of that house was approximately $35000 This was one
of the most expensive dwellings that I constructed at the time so I have a fairly clear recollection
of the per foot cost
9 Although this would have been high for construction at that time the subterranean
basement along with the quality of the materials chosen and necessary for an oceanfront home and
20270-13 2 4325-860
DICIARATIO~ OF IUIA~1 iv1FRRILI
the detail of the house caused its construction to be very high
10 The $350 per square foot charges include the building the decks deck
improvements expensive and custom cabinets in the kitchen and other areas including in the
garage wine cellar and darkroom electrical window coverings built-in sound system oversized
water heaters built-in bookshelves chandeliers carpeting and finishing
II Work that f completed and the per square foot cost did not include landscape and
hardscape boat dock appliances electronics furniture outside lighting or personal items
12 I can be available by telephone at 772-766-2057 should there be any further
questions concerning this infonnation
I declare under penalty of perjury under the laws of the State of California that the
foregoing is true and correct
Executed on b ---A 2014 at J~ro 1S each Florida
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2R
William Merrill
_C_J2_7C_1-L_~~_-1_3_25_-lt_6_1---------=~~-==--=---c---=--2--c------------~------------------middot-------------shy[)ECLARTIQJ OF ILLI~[11 [IERRILL
bull
$6]00000 $3150000
Ulnd Pure)lne eltDow COSt$
$1~83SOOO bull f2222
S917SOO rfiloOO
8vRdinamp lSOODOO 1150000
Archltt~ 2SOOOO 125000
Rel)~e 1110 docks exsand 220 volt31o to dockS
25000 LSOO
12500 7SO
Other bldJIIIIJ)ICvefllttnts 75000 37500
Rcplbullce deelc Whoanv cabinet
3SOOO 25001)
17500 125001
EltcbIQI blhlltts 2MOO 10000shy
Elewlal bllnlt bull dliltional 20000 10000
Sounds~um 1~~00 525~
Water ll~ters ~lnou in pra1~ Wllle cablno~ ill laquoIn
2500 7SOO Scent0
1250 37so-1
3150
Oarlaoom Cllblncts 12SIJO amplsomiddot
Are pk RepIa~ dOQil
usoo 2SOCjl) 1~~
lnrtellatiOl Wor 7SOOO 015
Reoli~ decla 200CO 1DOOO
Ellt~lnmellt anrer 15lt100 7SOO_
~n intor4St bull cwcuiUed -~tJXJ uUM aoo~lt asoo bull150 aurrst 100)0 SOOC Clunderers 28000 14000
~rpo~nt lCOO lOOO ~-Adl~~foom 12000 6000
Desk bull JYons room 9-SOO 4730
I(~ remodel 11000 middot019 Ctilinc b nc 6000 3000bull TeiQIIIOft bull oenlse room 3000 uoo Outslde~n SCOO 250(1
W~middotdi)H 11100 soo ~ndJiaplnc 50000 125000
- 0 U$500
Subtoal before homeowner eoemptlorgt 0
Homeowners ~vption sooooo 2~000
0
ToulcOrt llll771 0
middot5162771
--------------~~-- -middotmiddot---------~-
APPRAISAL REPORT
of
RESIDENTIAL HOME 6020 Lido Lane
Long Beach Ca 90803 Naples lsland
APPRAISED VALUE $3900000
PREPARED FOR
CHASE MANHATTAN FINANCrAL 3991 MacArthur Blvd Suite 200
N~~wport BE~ach Ca 92660 (714J 760-2671 FAX 760-6252
AS OF
September 23 1993
PRIPAREO BY
Dwyer Appraisal
Larry l Dwyer UcAR003464 Cortlllod Auldontlal RE ApprAitor
30011 Ivy Genn Drive Su1ta 123 Laguna Niguel Ca 92677
(714) 495-4567 FAX) 495middot2363
-----
middotmiddot
AREA CALCULATIONS SUMMARY LIVIN(fAR EA CALCULATIONS
A Area NarnD or Arlla Slza Totals Braallaquofcwn middot Subtotafa lt~ -~ 1bullgtR -
G[1 rirs 7middot1oor iISLOO n3-o ~ X 1400 2l1GDiil
htbulltiol St ill t Cll middot rfmiddotP70~ Hqza~ -50 -H9 25A l so
~ltgt enclobull~d Patio 4js1S US25 _ ~0 n 5o middotlH ~li tIIJIlWirt (A~i~ll_- Ul1cent0 llHOD -200 LDcent middot122 1)1)c -2 QC ~lll~ -l 0~A
l bull OQ ltmiddot middot5tao bull02 400L 200 ~ uoo 1G2 ~oc osl ~B )Q HoB
55~ X IIJ 24 2amp6 75L ~$0 X 4S so 1~1 ~ middotnA 600 X uso a onT I JSa us~ 16215
0 2 5D ua~ lCSSSO
N 1 DQ ~ Z7 10 2750
s -550 Hoo ~11100
-500 2lOU middot110D
Lllno__-----middot--middot-- l bulls2 ao
TOT1L LIVABLE (rounded) 2882 J _ middot~middot-middotmiddot bull
SKETCHAREA TABLE ADDENDUM liia No 3 2590 2
S llOfiOYIampICIIent
u ~~D~o~b~k~i~n~------------------~------------------------------------------1 Proptf1y iddr~Gs8
J 6020 Lido Lane E Cltv CoiJ~Iy Slate Zip Ccdbull
C~--L~o~n~~B~e~a~c~h~----------~L~o~a~A~n~e~l~e~s~----~C~a~middot----------------~9~0~8~0~3----~ T Andbullr
CHASE MANHATTAN FINANCIAL
nay1 1v1arliUl tH
~tl
t M Patiop A
t0 v e 3 Cltr SublmT~~ncun GruugooWino Ccllar M 1H AI E 3CJI IIa
N ~ r-a7bullT Ulil l s _- 10J
I btzr DliTlaans ubullK
E ~ -~1~
17
middot~ -U
T ~~r~~ H wtuc
H J j --- ~
= rr 1 i- il
ir lW
IC
Front of Propertybull
$0IE 11nth 18 Pampnt
M-rm r2(X)O
CAL~ULATIONS ADDENDvtVI Ale No 325902
=lrst l=loor (GIAt) Extamptlor Slalts (GLA1)
-~middot
A R E
ns~
-550
middot5 so -200
-200
aoo 100
oso ~ Ia
) 50
00
150
Hso too
-sso -soo
tbull
X X )(
)(
X X X X X X X X X )(
X X X
amp40~
IIJSO
uso noo noo 5100
~100
ta50
o uso uso uso uoo 2750
HOB
uoo )53 oo
lJlQ~D
-H9 25
~1na
middotUIOO
bulllZlOO
lOZOD
tD2 00
2125
tun 12H
Z1900
1UU
lOU$0
2750
bulllllOO
-tlOO
-tnoo
uoo X LOO oo
Totaf for Arna 298100 Total for Area llGOO
c A L c u l A T (
0 N s
Eneloaad Patio
400 X lG~SO X
30 X
(POR)
JO~O
110rt
20_0
middotmiddot
1200~
IOtfO
71 75shy
~sragujWtM C9llar bullmiddot (GAR)
H~Q X uoo 111)1 X uoo 1000 X loo Z400 X 100
1000 X 750
ucoo lHM
70LOQ
tUOO
1100
B R E A K D 0 w N
Total ror Aroa 4~625 Total for Area 133100
Paga I of I
SKETCHAREA TABLE ADDENDUM Fllolo 325902
S 8onvNbullrCIIan1 U Dobkin
Property Addrell 8 J 6020 Lido Lane
Ctty Cotlnty Stale Zip Cede
~~~--L~o~n~~B~e~a~c~h~------------=L~o~s~A~n~e~l~e~s~-----C~A~----------------~9~0~8~0-3~---lsndet
T Chase Manhattan Financial
ll
lie
2nd Level
~middot
aabull
A
UH
umiddot
I M p
0 R
v E M E
r s 3 lt = r i
$C~lE lfnch = 18fae
-middot ~t_~ ~middot AREA bALCULt TIONS
-4 ~middot SUMMARY
bull _middot ~ ~ LIVING 0REA CALCULATIONS
Ar~a Nama or Atea middotfoiais Subtotals
SIIICOJIS tloor
2tU so Y
middot ~~~middotao 2ll7~o
Bxtbullllor Stair-~~ cHon x us_o -lS175
~b To ll~lur jso~o vssa 50 ~l5L75
~Ck H~n~ 00 Spound SO 2~ 75
o~ck HI Z5 5 so o~o 264 75
PtDnt Daok 1000 IL90 ~ U$0
26SQ X JC~D
1-~middot X Jln~ 1 1
middot-middotmiddot bulll05Q X middotHso -2gtamp15
-uoo X n5 middot17Z ~0
-J so
-11~
X
X
oo lSo
-ll ~Q _u ~L oa ~ J uo _ oo 700 r 30 oo -21noo 100~ X lt oo bullt4LOG
---~--~middot--middot-middot--------
TOTAL LIVABLE (rounded) 2533J --~~ -shy ~~i~middotmiddot~middot_$-
~~middotmiddotmiddotmiddot gt-~ yo
CALCULATIONS ADDENDurv1
Flte 1o 325 9 0 2
Seoond Floor (GLA2) xterror Stairs (GIJ2)
nu X fSOQ 2H5Q 1100 X bulloc non middot550 X SQ -U4 75
bull554 X bullmiddotn bull1St 75
050 X Sl$0 Z375
sso X uo 2U75
nDO X UIO USD
250 X U50 ucu 10 X 3toa uo
-tftD X Hso ~27tU
ISOO )( uso -17250 bull]0 X p QQ -Jl 50
bull115 X L50 -~ ll
Total forArea 298188 Total for Araa QQOrJ
-~ middotc-imiddotOpatlToaglow (GLA) D$Ck middot~middot(POA)
oo X ]000 21000 1~50 X 1000 ~noo
J~OQ X ttoo HOQO
Total for Area 35000 Total for Arel 26500
~-middot Deck (PO~) front Oeck cPltRr middotmiddotmiddot
ll()C X s~so Ut~Q lZOG X tOQ uoo s ~u X zosc 112n too X so 2200
Totalfor Area ~ 29425 Total for Area middot 7000
A R E A
L
J
~
r I )
~ )
)
)
I
i
SKETCHAREA TABLE ADDENDUM FileNo 325902
S BommtCIIMI
J~--~D~o~b~k~i~n~----------------------------------------------------------------4l Prapampltly Addreta
J ~--~6~0~2~0~L~~~middotd~o~L~a~n~e~----~----------------~--------------~~~--~----~ Clly County Stille Zlp Code
~ ~--~L~o~n~~B~e~a~c~h~------~------~L~o~s~~A~n~e~l~e~s~------~C~A~-------------------9~0~8~0~3~_____ ltndetr Chase ~anhattan Financial
BayMarina
3 fi
3rd Level Upper Level
ll~
Front of Property
LIVING AREACALCUIATIONS Area
bull middototmiddot
Narri~Of Are~ ltmiddot
ar~takdowk ~
SUbtotara ~=-~--~7f middot1middot
GlAl rhlrbullt tlcoi 249487 111o tlSO ~2U25
Bdariot t~d = -931011 s oo 4 somiddot bulll2150
fnterLc~r ftaln -UlS sso d(SO -3$475
POR )rd rv~l frbull~ 2Hoa s~o Ho l61i 0 7S
lM Lavl De~k lt4 so so )lOQ l~4 00
150 X 25 oo 8~0
noo X 2J~~ HLO
-60~ llU -s~ no -~50 X 110 -JLSO
-s n~ X 5-S~ bull so
-115
uobull X
r
~so
7cent1) -middot )]
H2C
llo~ X Qo 19 00
1)~0 X lM -Hz~
TOTAL UVABLE (rounded)
FdtiIT nbullroJJ
CAL~ULATIONS ADDENDlslVI
llla No 3259 0 2
Third Floor GLA3 Exterior Stairs (GLA3)
2150 X 1150 22Hn 110~ X 900 I)(J
-~00 X _0 X uso uso
-l~bulln
-15415
~50 X U50 24$15 bullbull so X uoo J0400 J 50 X 1500 0750
17(10 X 2150 au so _co X nso uoo bull3~0 X bullbullbull o ~uso
-too X 550 -UScent
-175 X llo -Cll
110 1 X lDO lt2bull
Total fot Arel 248487 Total ror Area 9900
Interior Staln1 (GA3 arct LeVa~ Deck (POR
--middotmiddot middot bullmiddotmiddot-middot
I3 o X l$0 4125 J050 X 500 IUOO
JOO X noo 5100
Totat for Area 4725 Total for Area 23400
3rd Level Deck (POR)
11oo X a so lHbull iO
Total for Area t4450
t
Pogo 1 or 1
FcrothJxcct
Dwyer Appraisa[
PLAT MAP
reg
CALvULATIONS ADDENDurvl
Thftd Floor (QLA3 Exterior Stal01 (GIA3)
u~~ X u~o UU2~ llOfl- X oo 00
-~0 X uJo -U2~0
-~-~0 X UJQ -ntu s so X p so X middot~50 X
o l~ oo 2 oo
Hmiddot 10(00
Of~~
1700 X 2JU 3 so -Joo X 1$0 uoo -)SO X poo middotlSO
00 X $50 -H 50
bulllo75 X liO -su nobull X 10~ uu
Total for Area 249487 Total fat ArEII ggoo
lntarrotStalra (GlA3 3rd laval Oeck (FIORi ~if middotmiddot
u~o X l~o nH ]050 X 6 oo I~J 00
)00 X 1) oo Hoo
Total for Araa 4725 Total for Araa 23400
3rd Lgvsf Dock (POR middot
no~ X ~-middot0
Total for Area 14450
Dwyer Appraisal Praoor~v Dorhgttion Analvbulllbull UNIFORM RESIQENTIAl APPRAISAL REPORT foife No32~
middot-------1
middot~ Nole~ R1~ W IN t1tc1-l ~omJ~Wh11 ot chll ~ct~ad ut nK erhttred tlltW~ ~~ fbulloIOflbull
~ coiAMiNHlt 9Jbiost it Laat-lti the letwt sltlrt 11nla eottlt~r~ g~allty Htatiel ~HYhou~i rtlllmt
lrJruJze ll~Cil Fr-(RltCftsJ m-~~4middot~ bullHn lartb ~~ref lest Good Oampintenanct leveh Pltgtttooo=Lbull=---t
l shltooinQ I rbullLat61 ~~~---middot------~-----~-IJ ~SEiAlT~ AOOEI(WI f(]lt iDPTlregL_06TAlL~)
i oewrAAL oucmos EgtTfRIO~ QUMJbullTrQlf oiNOlllCIN DAampIIINT IIUIgtATlON ~ mt__ Mftfrofl tcrCr-el_ lllltb m___ bullmiddot~n ~- n ~ 0
SLCIIcu lhrgL__ amptfuNbullt e So 1b II F~ IIA cu COO - ~tUyen09___
T~IllatAnl ltaened middot- 3iSL-- Bet ~ Ctll~ Jl_______ VIIUbull ~--- []1 ~~~ 0U1Jft (91yhl Glrlr~bullo~ 1int~ Hgt_l ~mplrnp ~ Wltft ~-- ~n~O~middot- ~wll(~ Wtdoi11yenTfO ~~ on rtore laS_ bull IJL__~ I( --- 0~---____ P1QDP2Gd ltlrm _ e1111m1nt ~-_4ot-ed 011lbull~t poundntr ~-~-Y lpounds1- [i~----middot UMu lotfUtctillll amp-~ $crtcr-w ~ lffuttllm ~ Noted__ ~ -~ Erc11r (Nitltulltbulli
ADL lYra) 2 MbullrfuluH Heut 12middot----~--~JY~_IA~-----------~~JU~JA~---- ~~t~ ---shyrrrt ti Jt bull iY1U 1-2 NA WA IfA
-middot---=-------------~--------middot--------~middot-----------middotmiddotmiddot~--~middot---middot----middot----
--middot--~middot------middot--middot-----middotmiddot----------cmiddot-------~-------~---middot-------1 Dbull~reclbulllit~ttQtllrbull)llrltri4Mtlll(loj_tcf1oollt11itu~ottrQpobullhrw-Ko-t~nlhMkn-t bull~~t bulls Jn Gad_OVfratl ~tt~cp~~t 1tld~eit5 O
_$fflod Sflilrs bullr~ noted -~ubleo_t lrdicatEgt1 lus1s Mif)Qr then t~-t preamptir~~~~e-1 d tbull ih lAISor ie_ ~r(r01t J=tilt-fl ampnl FlflC8hiK~~t 110tgto1n tlre nru r~ Sypkally 1llartllteror~lttcrfrmt tj ne lxgtlltlbl due J~ t~ach cotoIUilHy irtfluco lhi bull ~middot Ld ~--q ro TgteOgtUr~b Lo eftqt on middot~ieets Vftlue or llrkamptelgtjtj Y Iiithin th Cs mr-lket~---t rJt~d mbulltktt CONfil~f4 td puw1hn01 in~ lrnlbullc(in Utbe-~ctlNltt trU r~udllQ foirn51~rtt Wrut tJtrd61ront tld (QK4uiYf amp~ft OONittai-~ j)_rla itabt__ amp ~)lt()bull bull4 rot pr~(ent fn th~ ~rM Silil9cta 1lrsotlng ttq lotlfd l_s in e~lt~amp of 6 trltrtrs h -~qr~ in thin r-cl9~ ~9 1idlt_i9 ~ri~~dly DJUQJlH~~ro qf~~itsbl~ fg htrl)tr gtricltlt WMbull ThlbulltJ~Yi~iftIA~t Rf~ ~middot thmllllum SltIJthem CUfomlb middot
Dwyer Appraisal
f w Ft~ll Mill- Ptnbull Mat lhl r f0Wt ICf ~bullhtHUent tnd OMe lpcNch fOff111111 In 1hJtbullbullot -middot-~-l (l)tt tlt~ are ft01t lllltSMll amp fllift bullbull ~l es fnf01111ltfm -~~---~-----~middotmiddotmiddot --~ shyby l~gtltal llltHdersconva~taltbull lgt~tn ~DEO Mlq~E~----
I f-qoy E-bullmiddotntlbullbull ~a8111$mies bull - bullbullbulld ~----~---llloo~n L1ll_sl81~ bull 1vlfl amptLmiddotr~t~ et lftw bullbull bullbullbullbullbull bull bull _ _pound1Clt=--i
~at A~bull-M lllr INO$dlt Wife bulllt~ Fuulbull Mtol
DMa bullr~tf~nfOtft M tr()lleo~~-1bull HVDNA PI~( ICampt1dbulldt1 0 Vbull 0 Ho Nbullnbull tl Wtrttnly llrampQIL
HNoapltlrtl lllEIU~-----~--~---------1 Wnnll C016tqe EIM
~DICiTeO VAlUF BY SAIES COMPAAJSON APPROACH bullbull bullbull bullbull bull bulloiCAUlJ VJIILU IIY 1~twt APiiOAIA r1 Ap~eitlt~ t1dMilN trl-fIUI ~ $ ___)j[lJ~--- ~ K Otbullbullbull rt1nt ~IIPihr N bull bull ----~---J NIIIPfrJiut it mamp no abull 0 bullutf~t ID tr tepti-1 IIIOtbulltic-INIf(litll 01 ro~lliorwllIM lnl~rW 0 EGM~bull~ IU plttlll ant
b IQCtthai It bKampIIfl~ IM bull~t r~qitorntt~tbull~ IN-vtllloKft-laMIAJ+11 tMJ~tf~eod~41111 tMMbullriramplt ltf-t 6trrnh~ ttwt Jbullawtampt~ In
] frrtA UUO amplor VA lrat~ilo~ J lrc~rt Mbull~hmiddotM UO ltfn iJ9tlfiftntiMKFrm 008 at-1~J Old11~~~~ 16__
1EI PI ~Tpound 111pound MIXH VALVC A9 Drlmpound0 OF tff SUillCT PADIt~lY A9 or ___sW~----middot~ ~~~ bullbulligto I
IMII -M4eletBJ hrn t(bull ttw ttICI CbullWltCI tNt I (we) Mlt~lllllyhtptctef ~tt uPtcl PI7Mrtr ba1h lltlde td4bull1T
thJ r-t~r lttNt lt-Mt I ~ ltttt la Vol$4knd ntt~r rf41$rlt cbull ~~~~IJt-~11yenbull hetn
PtY-pryen161~----------middot--- Omd Ooi1N~l 6r Jtgtll~bulltwl NA-JE ~~ PrsoM~
Dwyer Appraisal SALES COMPARISON ANALYSIS
IIC9
Dwyer Appraisal SAlES COMPARISON ANALYSIS
Dwyer Appraisal
----~----------------~iltNDJmiddot -~~~Do~bw~~in~--~--------- --------------middot-----------------------shy
~~~Q~L~i~d~ok~La~nwe~---------------------------------~~----~~ 5lt11lJmlg~ Cg~nlty Lof 6ngele_amp__~_____s2Jtn11 Ca 2jp Codo 9Q80l
Ltncfo CilASE MANHATTAN FINANCIAL C02
AOOITIONAL MARW DATA OOMMENTS
omparab~es H4 5 and 6 were s~leeted f~ the Lido Isle area of Ne~rt Beach Although Lldo Isle s substantiaLly further south ot subject the island of Lldo baa stmllar eharacterlselea is not ttad and eorudderad sllllilar in overall market appeal
Jmparable U4 and Co~rabla 6 are both very s~ltar to subject in livlrtg area and the large lot lre Their location on the island and their bay)hnbor vbv is vary tmilsr to 3Ubjeots Large ~just~enta W6re not nacessa~y and thaae to cnmparablea are given considerable weight
~~able 05 has tnferior lot utility as well as living area ~ich raquired adjustment but tha Law was couaiderad s1mlar All three opound theaa co~arablu reflect similar construction quality 1d we~allmiddot marlcet lppeal
lmparables 7 8 and 9 are the beat of eu~ant liatinta avallable on the Naplaa islan~ within ose prOltilllity to subject Although they reflect construction quality and conditiOn more similar 1 aubject their inferior lot si~es snd utilit7 at vsll as living area required substantial ljuatments Current llstings are fumfslud to demonat~ate the upper 1~t opound value for the tbjee~bulla nampiahborhood Adjustments 1n the grid section reflect the approximate sates to lat middottee pereentaga probull1lded by the local Multip~e Listing Sarvice
DNyer Appraisal
___fgJ~~lri Proa rtv Addrau ~ ld9 tBM -~middot County lolll~tt ___J~ Zie Clllt ~
LKndet ClUE ~~ltATTolll fiiWICtAL (JIQ
AIgtDINDUM TO APPRAISAL
Ojt 1 loeaud witlbullitl t~e city lln1t~ of ~ Bead) Callt~fa IOrll Seech h toutod llgtrodnaUly 239 nie$ ~h o1 lA~ Jgamplu the ~llty seu o1 10 lneles CCUty The pl9atnt J~QpJlat fQl o1 lAtl Bead h lllPIgtthattly COO vi thin It 4971 tlll~ lle~ lhe ci~y Is bGrdered laquo1 the U)rth by lampblootl the $dfltf1 by u Pacific Ooeltl tl14 Vet by Olr5Qrl Std Latlta lld the East by Sql bullad end los Al~ltoa (OriJQe toTJtygt tt ia eUo bordered en ~flo lleat by tfle lcni Beldt CT10) FrtltMtf tlo llorth by the Sen Dieogt middot-y lmiddot~) allll the Salt by tiM san ~lot Rlwr F-y (I-60$) OottVtlertt 1~y middot~-s II I hlcflly lrelgtlo ftaturo tor bullbullfdlnts otto ~rte t the a~bull
thougl1 the city Is plfnar1ly 11 ruldtntal tQOUfty a stbsturtlat prtl01 a1 lWld 11114 Hsllfved tor trdJstrlal ~iat lit( Dfflcbull rtldlltiJS u~o lfajlaquoo siqlflllll COIIpltxa are acated th~t tte ity Cbulllitorni State llnlwrslty Wid IDrg Belich City t6lloge ere bulleated ln toog ampMch amp~ill to loroer Prb ale SQItttrod tnrl)jgcJt the city far tile re~oation usa of the resldoota
e fident1~l ~Xltmnides bullrbull cha~ttertlect lfith a 111Xtlltll of restdlltialvi~s tqing fll arell oldt loxl frlllle airqlamp fenily ~as ta l11rger1 rltNOt1 ~ra ~rn trset t~ txbulltng wlli~h bullr~ ~~lble ciJo to tke 11o1t11tt aitt fnfucn~
lje-ct t Lacatod In tJo SCYtbeat coMer of ltng Be~cit in ao arM alown u Naplu llpl03 h an iamplencl In tl1e eorttr of e 10g Botsch rfna and 1a IICicnuble fr011 he Ean bullnd tloe lint by Sa=d Stlttlt
bull rntigbolflood OOil4itU of avetbilebullgood ~bullelHy 01111-thrltlltl story detadled houus rliIQitgtg 1n elze frltn 1100 to SOCO ~~ ftet -r aecltou h appiQKItoly thrlt111 niles tut nt Nifborlood ml~ good lntwnt llt~ela Scxgth WwiJ ald rtlatd Vi~es orbull ~tntly QcaUd to the p~rty tie botlrdarl of t1le nefgfilomood ~~ct~ld ~ tM hlsnd faelf
~ faUna ts a hidllY dtagtle Gnd pre3tfolcus pllcente to Ulltt ltm Its grtat locatm j pttgtltity to tte ~at=r Tte lota arrood tilamp 1bullifOlter ot th4 itnf havt tJc3t dock to tile Net liUh tM obtfty to 1c~tt 50bull60 +ya-tu Dnttra of th4se ~~ have dlre~~ eocua
thofr OOta fred the r~r af tht pfQletty will ch can thelt be Moiuted thJQUdh tho ~ l cut to the Pat Ifie Olelaquol the hmu lrltMd bull l)fgtrf~teter olIIO hlve ~llent vie~~S of t1e bly 1d eft) llihta For ruldmh COl 1nte~lot Lab 1t It ltny a lllort walk to llfll of tlw V4te bcl-et tr the tidents and tMbullM prtl to w~ llcmu cr1 fnterlor tot t)l)1colly r-arg= In 1181114 11011 $150reg to ~tn)r
e~ the por11Mter ~th llllter frcntiiJI tgtP1ealty r~r99 fiQ1 SVXOOCO )Igt StOOCOOI- Thbull t~ In the IJJH b tC71Mrd~ the rexJHdlrg Otititien to rrdor ccnptota HnOcletlng of all otdeJ heriot tile hond ampooQ tM gtltltfMUI odjKeot to thamp bllltld Th1a trend
~~ltthelt-- tile rtobilfty of Mrka~ lamplue$ in the aNa
Dwyer Appraisal
Filo No
_B2~ttSilpn1 COOle In
Pbullbulluru l~st 8l20 Lido L)) Cllpound~~cfl C~llL2~bullLa Uabull c 2Q~ltIdbull ~
~middot----lendbullr CHAS ttAHKTrAN FIIIANCIAL tW
ADDENDUM TO APPRAISAL
XTERIOR FEATURES rtOIIltlc (ltIn tbtrs) $prinkler ampy$Ctn tn jrllrlt amprr yafltlp
wltold amp gottd llfltry to tht front dltlor provd~ privacy at 1141 u a frcnt patio for lddhiltt111l fbullnctio-at utility oblld p lltltert in t~ frltnt amp r r yard 1sta1 dr111CIIIIY Ia nade of aalld flags~
~~ front porch is~ of solid fl~tONO
111r yard enoleooed ootith a~middot hi~ btoek ~lt Thh proYidlte9 aitiONJ~ ueurty li~t obstru~tlng tile bay vie~~
CJJbulltltlll luilt bullPI in tte frat QQ(Itt)llrd bull 11 patio bullnbull elso hu 1 bulltmiddotfn 18Vfi~ft
lttio a~s t~s tM r of 1lltJ- b llco(e of solid fl]ttltllo
rt of the riNr patio 1~ It CfMbullrltJd by ttl~ seoni lelto~ol dedc
~TERIOR FEATURES JIIIStDIIII ftcarlng In MtJY hltJllnlf I t~~ m thegt 1bullt Uvl 1 sCCIId lbullvbulll Is all 2~~qJare 1111rblt YilOltXf qJJotty eubulltat e~gtrprtitiQ th~ the root of th om Item h~~~ qUII ity Stow-oo ayttn tlulCIltt the ~
J Cfllllity hcurlt) syatern th~t Joillltfl ta dNgt~t disl to a sacu~lty JK~nltorl~ Jbullrv1 ce nt~t len shutters thr~ tcglt~thar wf th 6tioer CtJbulltOltI ulndr1t eowri~bullmiddot
etaold llV~IJl9 dl~t -t prflllr) rcons ord t~Llolllys
to 12 ooilirQS tb~ ltlOSt Of tho hi3e bullll~tbull ere ptaced bulltrateic~lty thrctllflalt taD IClWII mot41t~t tlvalgtool tht houso rn tfoe addltOfll bedJQOM JtiiIOfef Uo((frdle dltxgtrt rt is 1lao a Mp~Jrato wine ltollar gt1ich h tlle~tatiClltly t~rswro I ~lfrate taltrollcd h a lourdry chute fiOIf tl~ llpl)r tel(a) to the lalndry ~ ~~~ at t_ lCooer lemiddot~L
TCHEN ot~rtopamp In fctttMn are tolid ~rooite
itOOltI flco~iJ In kitclen i nd area
Jlll~ cOltok~ aU othe~ top ctlIQIty lilltes amp fl~t~res und In tnt ktt~ as OMlL as the bullbullbullt of tho hoobullbull amp il a ampefgt6rete fet at thbull kitchen sl~k for inseartt hot lllltiH
- is a mr~ 114kmiddottn jlllftry lttich h bull very ~lrabla fbullbullturt usUIlly fafd In larlts rn tMt t~
bulle h IJ lalge built-In ref~ig9flltalt-tob-zero 1reeter lith the front ps~elamp Mtchlrg Uo cablrgtlttJY I~ the kltclltn
lULV ROOM fQnfly rogtOfllllls its on firqJlace
STER BEDROOM amp BATH llll$ter gtlaquo110011 fs Vol) ~paclobull tltch fa a typieal fcatTJre for thi~ ~ amp ptloe ~of ro ~ h a sittlrq area or retret~ at ltgt1~ End of th~ lliISter beiroott taster bedRltln has ita firepllaquocentB lotlfch h triliiTed 1(111 norlle l~ tlt~ ftooriJ9 thJt1-IGhJt JMst~r bath rzi tlb in IllS ter bath 1 ampt-alor wt th clxibte shltloer hctado
h a t6r~ llalk-in cloet in bull~tr trooo 11tt~ buHtmiddotin orgbullniz amp ol-olve$ Le amrcqJI In rraquottor bllthCan
lNG ROOMDINING ROOM -o 12 ceHI~ in Uvl19 ~ tving roar h11 it 1$ Qllll ffrplate llttici a tr-fmoeltf uith rarblo ont co t~o dinllg roro thQr h a bar rem JJth e w$lkmiddotbehtrrl llH bgtr th~ 1aro1ly ftJoCt1 with a luilt-fn ref~t~rator amp fc Jor n stulptulOd c1rpetlrq in the livfhJ roato ard lldJont trca3
IA(E bull~biO n qood qtelity ~Llmiddotup rr- doors wHh liample dcor qJltn~rs bullilirqbull amp ~alls in the qgtragbull are finiohelti ot ~bullt~r ~tor hltla a rbullmiddotelrwlbulltlf ~ lottich plOIbulli~centamp notMt hgtt lf~ter to praoticany ort(tero t~ the hOJs~ 11t to tbe 90rigc la 8 ~tre cellar middot-et ba- liN 112 bllth
~-===~----
Dwyer Appraisal
-iUPt-~~JL__ lroarty 6lt1bull~11 (lRtJ lob le
~~altl Cauntv~~ sra~ C4 II a~e lalll Lande1 OIA$E rtNII4TfAN FIIWICW eolt1
ADOitNDUM TO APPRAISAL
lnal Reconciliation
bullr Nl$ llo 1blo Reccrd5 $~bjeot has nat ~euro11 ~fated or told tn the pKt 12 rrcntlts ampnd h nat pr~$llntly listed
te nat cttampttt bull~u activity tn touthHrt california II e11p1rfenoif9 Lilli ted aetlvh~ dUo to a tlt~gglah OltOOft lotile ptql~rty vallo$ pear to llttve lttoclfne tn eore 11rtas other etelt~t are ~~le $ tlaquoM areas hll aGtuelly lncnut fn vat~ A pertloular llef~barlold fVIf Prfmce lhat ~r$ to be Iii t~~ary cleltline fn ~talue ldoltrt nveral ~r-s 1eve an wgent nHd ta aell lara aU ~t1rq for thl middot111hed nlnigtor of bitter~ llll~gtfbble Thfa h -ftered to be bull telpOnoryo aftuatfcn lohfch will oorreet Itself 4hen tM tOIIIXIral) Ooert~ly ~ b ebtorbod amp detend fncr111nJn bull111~ Ioiii~ hllgtl~ txperferncd laljle orplO)lMt ~ffa or oloVte of lalfe renufacturi~ plllt1t e rtcwery petofod formiddotp~ty v1tlut $ thl stobHlzatlcn of ~lfmng Yll~ claquo~lltl be atttantloUyiClIQltr amp lOft sown thon tEIIIlOrsry
this CQldltfltll is ratld or ena arprmf~r h ~$rt of It I~ l$ ~tod en bo amplfSl8rat~ adclrldln Nrefn middot
thh 11sprabal anfgrncntcal4ful ~~IGltI ot all curlltrt Mrket dllta wu conafltlerod ~llfch inclLdcd analy~1a ot cu~rmt ll$tlngs penii~ les aa wll ~ tJqtrld and -l~ lhtt~ P~lng aales 1rot~ltlthn 1 gfvm ratkat ar~ can rerg in vamplue wbst~ietly ~lng lfv~rQ area rccn cortt anenlties ncltrlng view or lllcc ot Vflll and 1q~~ta ~ ~tfa1 lf there litre pending MlM ~tlfdl N aio~~llal to subject In ovtral~ rarket Ollll4St1 cne Of~ of thtsa ~fng sslobull Mite beelt fncl~ fn thh tltport rt there 1111r1 no liHir per-ding ales ptnd111J alet lhich ~ltere not silttlar Ore not Usqd lhe u o1 ranbulltlnf lor Mles ~oWld Tlt~qJire thm vn of excQsfva 1 etbjetiw adjus~s leodfog illes 11119 adequE~tely teflect curr41lt ltlrklot derltJltf ~Mingo les of ptepcrtles stnflar to stbject at fees l~r thlo rtelt closed sal are gfwn tho roampt lieigntPendfng 14~ laquo f~gtlltr ~rtles hil1ltr prt-1lt1 than r~t eland sales 1 g1v151 o~~fniMl wf~t sin- tie~bull fa bull poulbllftl tlllt thay ftlt nat clo~e aaerou for a VarfOU IIUber of reafiOM
led ales withfll thl jlolst 30~ drtt aramp IIOlt raLteble alllcento tMy hlrw ctOltHQ amp Urrt are -t recent II tllo ebtenca qf reltenC eloeed gtendfngo satu 111 ~mtyenab f CM~ llstlnga ws also ~~ted ~in thitrt 1M be a llidbull ta~ t valuoa -llllble tor Uatl~a far 1 lfll~ tf abooa llstrga prlcad out ltgtt llfoat ~rata be reailcrollbltt range of wlut Wllftt not ccnalderol ~ und In tht rtthey hlaquovtt btco adJusted to t-4 prebogtlt ~~Gmntlllit a1 Mlt ta liat pric es reparteltt by tile Local 1Jltiplamp ~ittliG Service Further iuatmnts aN then ~eased en teatur~a coodftlcn etcent Hfnltral ~tight h given to t fatfnga ampitgtU they tore clrly d~trate til ~ lfroft of value for PtQPa~ths tfllilar to Sllbjet~t ftOir stbjeets narlcat Gru ~ are hMfr tile ro~t CYrrllt deta a~~ampftabl~ If cne t110 lfetlrgs 1evt nat ~ inotude In thl$ rtp~rt fn lieu of peldiJ sale t I$ becaue~ tfl~u ~bull nane ampYallabl~ coosldotrod to ba 1flar to stbullbject 1Qn-slllllor properttampS IIQIIld agin rltUir~ tM u- ot egtltltauw ZII1CIor Oj~t altljuatts tl1cn ckfeet th~ p~rpase Or bull eo~rabte t~lamp middot
middotmiddot====== =======~=--~----middot---bullmiddotmiddot-----middotmiddotmiddotmiddotmiddot~middotN---middotmiddotmiddot
FotbullN 32590~ DEFINITION OF MARKET VALUPIhe mott probaWo pric~ which amiddotpraporty ohOltifd brlnqin e bullampolfdve bull~d opbullnmorlltel undor ~~ conditions requltitbull to 11 loir oolo tho buyer ancl eampllor eech bullbull1ino prudently knltHYiodgubly and usurntng tht prloo Ebull not eHOlttAd bv undUltI inwus lmJ)iiclt In thlr dofini1lon the ltltgtMUmtn~tion ol bull af IPIltlifled deto Dnd thl poaslng or tidt ltom bullaJiar co buyer under oon4itlont wh~ttobY (1) buyor and wolltr ero Lyploanv motlvalltld 421 both panJsl art wnll infom~ed or 1dYid bullnd uch acting In who ha eonsidorbull M1t awn bs~t lntereot Ill bull roaaorlbullblo timamp is nllowod lor poevroln tho Ol)llt mabullbtl (41 lIY ibull medo in torms of ~bullbullh lrl u $ dollarbull 01 In tturno or flnonolel ~1111810nts oornp~rlbfo thereto artd (5) thogt ptlco lipiUIIItl rho normal caideratiltJn lor tha prop$ry aotd unefftc~od lly spociBI ot eroatlve nnancfng or ur ooWluslona bull granCed lly envone asbull soclarlld with the bullnit
bull Ad)ubulllmampolto to the acmp~roamplot mu~t be mede f~l 8ptclelat cres1iV9 finannlng or tlt~loa ooAonsiltgt~ No sdjuWYents bullrbull nao~orv
for tlto oo9t9 which ato 11ormally peid bv ttllilre 11 bull roeult ar trtdltlon or lew ln bull mrkot arbullbulll Ultse coots arerudlly ld911UII11No tlflus tht 1sller peya tMtt oootl In Yirtually ell eltlet tr~ntaotiant SPJclel ot orutlv liMnolng adU~tmontt can bt rnocle to the oommiddot plrable proportv ily aomptlisont to financing termbull offered by a third psrty instituric~lllandor thai io not afmtdv lnvclvad In tht propshyortv or trantecrlon Any Olltfjua~tnent aPtould not bm talaulartd on 1 meltgthbullnloel dollor for dollsr cabullt of tho ilnsnclng or oltmcot~lon but th~ dollar amtount of anv ad)ubulltmont ehtould apprlgtlCimato tht Markatbull rltbullaotlon to thl tlnonclnltr or ccncetlone baood on th~ onJ~Ufjorbull judgmeot
CltRTlFICATION AND STATEMENT OF LIMITING CONDITrONS CERTIFICATlON Thl Apprlliter ~artlllampbull ana reea thogtt
1 The Appr~llttr lult M prou11t or contemplollbulld futlire intorebulll in tJoe prcpbulllllbullpprlitampltl ~ncMithar lhs omJ)JO(mont to mako lite oppraluf nor he oom~~uutlon lor It Ia oantlngenf upon tho ejlpi~lbullad value of ho prGperrmiddotr
~ Thbull Apprmbullor hebull no paortallnter~al In or bias wfth repaot to th~ eubjogtet mtlter ol tho apptolool repo~ or tho pnr11clpanto 10 th oalo Tho eetlmlltt or Mor~at Vo11e In the lljlpraiul roport Iamp not ba~ In whola or In palt llpon the reco color or natlcn-lcHgin of thbull prcapoclfiM owMrs or ooouponl8 ol thapropJrlf eppralsod or u)on the taon ocor or notional origin of tho praunt ownoro or oocupantbull ol lito propartioe In t~ vfclnll( of rh~ IHGporty apprafbullad
3 Tho Appralttr hoe l)oroan~lly lntpeotad Utltl propwrty bolh lnaldbull ttnd a~r arltl ~ madbull an ooxurlot in1ptc1tan af ell cwnperehla bull~les ~~tod In lhfl npott To thbull but ctf tht Apprelearbull knowtodol~ sfd Hillel alt stttemenlbull and lnfarmotloh fn th~ roport 114 truo and bullbullmtal ~rtt tJe Apprel~ar h8t noc knovrngy wltllhtld ohV algnlneal1t lnfltJtrnatlon
4 All conlll~tnt end limiting ~ond1tlortt arbull GontalogtoJd hotoln limosbulld hy the termbull ol tha eoolgnmanl or by the LondtroiQnod olteotlngtlia anofJliOt Gplnloflt oond oonaluaonbull conralnad rn tha Fei)Ogtrlt
5 TNbull opproiulltpart has boon made In ~bullmforiTlty with ond Is oubreo( to tht ttqulr11lt1ampnto of tho Codamp of Pr~fassfanal Ethics end Stoinltlltls of Prolaolianal Conduort or thG bullpprnlssl GIQampnlznlant vmiddotlth whloh ~ha Al)rnlut Is afflneiad
8 All ooncluiliono end oplnlont concorrlno tlbulloo tatl aotbulltbull thst ort tet rarlflln tho apprUnl report ware prepari hv 1M Appralur whoto olgnoturo ooppoa on thltl ~tpproJI raport unlbullbullbull IMloatood a 11avltw Appralosr No ohenga of any Item 11 tho eppriiU~I t~port bullhall be mod~ by anyono othtt tluln ho Apptofnr ftnd lhamp Apprsleer ahall havo na rotponJbillly fer anv uah lttnouthodzed
ohbull~middot
CONTlNGllNT AND LIMITING CONDIIIOffil lt4rtlfialfllon of the Appraiser ~pp~lt~rtn11 In tM orppralsar roport Is subjaot to tna folfowlng oondttlons end to euoh other opecolrlo bullnciiiNJUng oondiHons u era aet forth bv Uo Ap(ltJieor in t~o rtport
1 The 1ppriHaer ~null4m M rslgtonslblijty for matte- of a legal neru affaotlng tha propampfV apptols~d or chbull titlt thbullrot~ not dcos tho Appralnr r~nltUt ~ny opinion bullbull to the tltlo whfh Is ftbull~m~d to bt good and matketnbt6 Tloa property appr41Ud es thouq h under tsspoleJbhbull ownerohfp
2 Anv tlltatoft In tlto r~tport may bullllow spproodmor~ dlmof$lona end fs lnolltlad Ia anlst th~ nad~r In oisuolfltlnQ th~ prop4ny 1M Apprsi~or hu made no svrvoy af tho proporly
a Thbull Appralosr io not qulrsd to ~lvamp tobulltiotiOl 01 appear in aouri bo~bullJIH of having m8damp thl appro1aal with ref~ ranco to Ute praportv in quetUcn unlaso arretlgemoobull ~avbull bbullon prlhi~raly mad OJ tftltmbullfor
4 Any dlbullttlbution of thltr valuation In lite rampport betwoen land nnd lmprovamtnts appfisf only urgtfar the malng prog~m af utiJI~otion The s-oparatbull valua11onbull tor lltnd ond b~lldlng tnuft not b~ Uliltld frt conjOncrioM with ShV aliter eppralslli and era invgtlld If to Uftd
5 Tha Appralut i~Jsumeo that thora ate no hlddon or un~ppsunt condlclono of thbull pt~p~ny eubactl ot strucntramp~ which waufd rendor It moro or lass vai1Jabi4 Tho Apprefs~r asournbullu 110 roponelblll1y tor tltr~h ctnditicent~bull or fM anglnaampring which rri~kt be required to discover auch fftctDn
8 Information ampS1iltnatet end o-piniont lurnlshed ra llta Apprai9et bullnd contained in tiN toport w~re obtornod hom ourebs oonsldmiddot orod reliolgtlo trd lgtnrtavad to bt truo and oorrect Howevar no rooponslbllitv fcrecrlllampey of eucl lome furnfohad tho Appraiser can bo BUUmod bv the Awrllsorr
1 Olactosuro of lite oontampnr oltho approJool ramppcrt fa gorned by 1ho9 Bvfbullwa ampnd fle~ul~1ions of rho protasnlonel ~pprohel orgbullnlshyl~tlona with which tno Ai=Pltbull~Gr is ~ffilialltd middot
4 Nafthor bullh nor bullny pert o( the CltltfG11 of tho tt~art Ot ~apy thet~of lincludino conolorolont oo to tho prop~~y vnfubull the identity of tnlt~ Approoor prohbulloiansl dlt~bulliglttlons r$loronc~ to ony jlrofQoslegtnill epplllal organiadono tho firm with which lho Approlnt ia connncttd) slutlt be u~od lot nny purpo~ lgty nnyoM but tho errant ~pooltl~d In tha repor tho bol~wor If approitol lu pnld by ~ovne tho mor1qo~aa or h$ Rtocurs erol nort)no morrgo~o lluurort conouitant profuofonsl dppraisef argnnllailtlmt any l~te or fllltlofllly optotovod finenol lne~tutian lny d~rgtbullrtmont agoncv or inttrumontaHy of doe Unt81 State9 or ~ny bullbull 01 lht Oishlot of Colutnbi~ without tfoe proviouo1 wrltttll oon~snt of tlo Approioar nobull bullhoU It bbull convbullvbulld by anyon~ to thbull Pltthll~ thiltlugh 8d~artiaibullltJ public rampIIIICiona news~ stflf or ocflor mbulldia wftfl)lft the writt111n CCnlont tl1id opprobull1d of Ula Appt~Sl~u~r
9 On 5iJ CJPDrehilll$ $Ubject to ~ldetactory cotnplrttlon rnparl or alt~ra1iDI9) thn epornlsnl -JCIrt ~~gtllf - ~r--~lt1slon Utl conHnmiddot gllnt upon coflyen1amption ol lho lflrevel)entl Ia a wnrkmanlik$ m-omr1Gr
BORROWER Dobkin
PROPERTY 6fl2() Lfdo Lnne rottr lleach ca 90803
Appraloorlbulll
YAioNbull~ FbullrrJt- MoM ~-m41~JULU-1 Fltlfm 1co~ n JJ~ 8~11
Dwyer Appraisal
Ftre No )illQ2_
~UP~~~~--------~-----------------~------------------------------------~p~~~ll~~~~e------middot----middot~------------------------------------~~---middotmiddot-----
f--Citv I~ Seilt~ CCUQ1 ~~middotlu---------~---~2i p_Codo_90ll3ltgt=-----~-__ Londer alASpound ~HioiTAii fUHltI~L tll27
AlPJlAISBi ClmTIFICAIIONS amp COMPLIANCE lllTH FIRRA REQUIREMFNlS
bull The puiJl1lle of thif f)Pgttlul b to estlllato hlr Harket Value as cleflnol In tho attamplthiod FHLK( fern 4J9of tt- bullbltrle deo~ribed real ~rty lhia appllliwt 1s f9r thamp SGt and txcl~ntv u1e of the ~e described ~~Cl l~tbull
lhta eAOreiL nay bo ~bulltd for federally ftlated rort~ lcall prrpous $bject to title XI o1 tho FIMnbullfbulll Insettuttcns Rtfon r~E~Wr) EllfGltcanetot Act of 1989 (IIAA61) The 1Mers1~ oppralter(a) aekrQtledg= ~flet thoy have rMd end Ydarstand tle Utfor arlfard$ of Proloslotw~l ~alool Prectf 1USIP 1 at they ~tocl end y bt atltndod 110lt1 tlre to tiM by thamp twrbullhal StIWdartfs gtard of the 4fgttaisal fonlatton ~rrl u trplenbted by IIOd 1nco~rsted fnto the oce (Off1oe of the CAlrtptrctltr of thamp Currency) ~Uqulatmiddot gtIU 1hla llgtrisampl QOIII)l with ilCC RegJlationt PSgtlt1 tfgte tlnl10~JI $tarderltls of Prof-teN~ P~cttca (IJSPtP)
the legal dorlptl011 9f tile prltlf)erty u ~on t~~ fi((t ~ of tMt t~R~rataal regtainod frm tha cnnty teK uunws riOOIds
middot ot-r ~rltgtd 11hlch ort eotiQred to ~ relloble- but Mt liJ(Irlltltoed Tho tot atgtd trs~t n~ lldar the aueuara par~L nlbller ~ra nsiIGIti lld~taly dtscriptlve ~ ~~ ot bull prtlbrirv~ry ti~lt report WIIoS rlaquoJUsted fron tb~ l~r bvt rltrt reeelv~ at the tiM llf loMe of this ~hsL
Th ~rlllampil$ eJtill8te af Nuaratgtle 1111rkttlng tine for ampAlje~ p~rty eelriltl~ ~hh the rlcetlng tiM shgtlm Cfl tht frolttt pogo It also rntated In the roment section en the nOOIICI ~ of tile lj)lltafaal
If tho tlbletta sa b val~ Is difforant thoR tite Estltcf valtJe t1~ val~ 11Hl bt stated in th ~te~oocfl btftlrl seetlcn of en rahal lepartlf thet are tne u~~e Qnly tigtQ aa 1 wlu~ 11 atatodA buH4fllQ Uldbullr ()()MtructOn ar In gtelaquolt of rqraquolra cr slttratfcns ll rerplre tilbull 1Ettita of llltrrktt vatbull lth tho ~~at~ 1albftct te box beilll chckocl Stlt thbull bac~ ptge of the ~pFn~iaal repon bull tha infanrat1et~
he scrpe of tMt flrahal frtoOlvod data oollettlon frcn vtltOIJa =r~t ta-fdered to be roliotblltJ 001 ~~ gvarantetd tn~ltdirg bst Li11itld to llblQ r~rd infec-t~Ltfa obta(hed flllfl hi lol COInty re=derbull Offiee Tll~ ll4tbQJfd1 t~oc Dmar local ttJttfple tlng a~vice1 buyen setteramp alli real ~t4te brQI(tra tooflrnotion Uo$ mt by ~ros~-cfleckirg fnfcr111tion ~ith tilt rorcu ntiCIlld middotthe llt~tultamp ere then repoltld fn the QWItlprfiltamp lrxirtftr~ on the bullr1lrel~l rtpOtt o~ ldd~lho pr1Mry data liOWCH bullrot provided the grid sectfoo lltfllt ap4U parnlb A phy$1cll 1npect1cn of tht fnt~tlor Itd exterior of the tlbject lrwerty 111 corjucte at ldltcl e thbull Epllraiter urilt t~o projlOrty l c~~loolated tlte orproJf-te l(fJare foe~ of l lvfrg amptea lhe ~raiamper tiiEtl ltIIcentltbull by tho fret
middot~h of tho laquot~~p~~rlblbulls ~nd tekh~ lIOtlta as to tMfr a~rrlftt ~leltol claquoldhioo for wul~tioo of their aolitiCII 11t ti~~e of salt
lhlre lilt~ rtl 11gt0141 pcraorat ~rty ttllfiS f1Mtut or tnt~rgb~t 1t~4 1101 notrolly ccnoidere bull part at tho rl MUte 1ncltdiod in i)raisod vatue of tht Pject ~rty My porKIIIl pr~rty iJ ~rteltl ltgtn l ttparete a6teldJ
the trltferbulllg~ed awratr(a) preaergtt end eertlfy thlrt~ (4) tt1e BProfoal auig1-t ~bull nat bas-M lt401 reqJtHIII nfnilltJil Vlluatflaquol eel fie valoetlro or tre owrltml Of toanBl etpiO)Wit of the appraiser wu rltrt oorditlmed OJgttO the awrabel produeii1Q a ~poet fie Jot or 10 1111lut vithfn a givon r9hgiJ CClfuru~ ~~t h rtGt d~~t qlCll en apprlhal prQdJclng a speelfie vatubull (D) amprp~t gten~atlltn ard fvtue eoplCY)lOnt Ire r-ot lasod ~ llllt~ leon lpPlicttioo h tppro~ed ltElnetlgtor the awrats rar any pelt(tl ~itlt
JOrerahlp intbullr~bullt In the ~ tqllaying the Gwrainr b rtla~~ to or hoa allj Wttrship or cthltr tlnncal lnterost 1rt eitller lxlildeobulldcvbulliper aeLler buoftr ror~e bttl~or Ct rtlt~l estate lltQk~r~~rsa (or a~y ~nM relatod to any of dlltr) irrol~ed in tNir~ti~ f) ihfoh this appntisal luu ~ raq1estod or utth th the l()t recalt nle or ratlnancfrg or irtY ll(OltIIty usid u a lttr11bte praportylogt thh epp-alsal ard (I) th lp9raiser h not ~~~o~are of tllf f~cta lhiltfl uould dtaqu~ify the frtn bcdng deelt to btt rwfeponrlltlft epprehel far ~rjlltI~H of $ltJQtion ~4S of th~ oee A9lotloo AOgulatiCgtlo
The IAdersignoltS apprainrCgt) h~relr ~ogtknltgttl~ ancl ~rtify that t~ltsy ar fbullJll) qBltliod ard Ogtltpqtetlt ly their training boltlge amp rience to f)rforll thh appr~hbulll II ~fter acltejgttallle of the ~tlgtrahol IHS lggtMt ald dullng the OJru of cordtlct f rg the ~wr~isal FPrampisr diac011ero tllilt tnoy ore rot fully ~t~ to jgtdrfor th owraiulthe ~ta~r will OOrjgtly vlth tht Coopetency ~ravtslcn SPAr
=-~--middot--~~_-=---------------__~----------===middot~
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6020 lido lane long beach ca - Google Maps Page I of I
To see all the details that are visible on the screen use the Print link next to the map
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- 0 gt-Ul woltt=rt2 LJ (() () t ~ 1-
~ ~ z t- z ~ lt1 LJ ~ N 2 LJ u Ul
0 - N UJ 1- ~ shywUlum 0 z ltt u w~
i ~ ~ lt( 0 0 2~-wshyw 0 u
DECLARATION OF WILLIAM MERRILL
I William Merrill declare as follows
I I am over the age of eighteen I have personal knowledge of the facts set forth in
this Declaration and if called as a witness could and would competently testify to such facts
under oath
2 My name is William Merrill In the 1980s I was a general contractor and builder
of luxury homes in the state of California I now reside in Florida
-middot 1 I was the general contractor and builder of the home for William Dobkin and his
former wife Deborah at 6020 Lido Lane Long Beach CA The home was built on two lots with
direct waterfront access
4 The home was approximately 8000 square feet and contained a large
approximately 3000 square foot subterranean basement
5 Not only did it take a considerable amount of time to obtain the necessary permits
to build the subterranean basement but the building and waterproofing of that structure was an
expense that would not normally be associated with the home in that area
6 The home wasmiddot constructed of the most expensive materials available at the time
The detail on the home was considerable including doors windows molding lighting and decks
7 After the original construction of the home was completed I was then hired to
expand the roofing over the decks
8 Although this task vvas completed approximately 25 years ago the expense
associated with the house was considerable and more than the expense of building any other
house that I built in California around that time Although I do not have a recollection of specific
items cost and although I no longer have records related to this construction I clearly remember
that the square foot cost of construction of that house was approximately $35000 This was one
of the most expensive dwellings that I constructed at the time so I have a fairly clear recollection
of the per foot cost
9 Although this would have been high for construction at that time the subterranean
basement along with the quality of the materials chosen and necessary for an oceanfront home and
20270-13 2 4325-860
DICIARATIO~ OF IUIA~1 iv1FRRILI
the detail of the house caused its construction to be very high
10 The $350 per square foot charges include the building the decks deck
improvements expensive and custom cabinets in the kitchen and other areas including in the
garage wine cellar and darkroom electrical window coverings built-in sound system oversized
water heaters built-in bookshelves chandeliers carpeting and finishing
II Work that f completed and the per square foot cost did not include landscape and
hardscape boat dock appliances electronics furniture outside lighting or personal items
12 I can be available by telephone at 772-766-2057 should there be any further
questions concerning this infonnation
I declare under penalty of perjury under the laws of the State of California that the
foregoing is true and correct
Executed on b ---A 2014 at J~ro 1S each Florida
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2R
William Merrill
_C_J2_7C_1-L_~~_-1_3_25_-lt_6_1---------=~~-==--=---c---=--2--c------------~------------------middot-------------shy[)ECLARTIQJ OF ILLI~[11 [IERRILL
bull
$6]00000 $3150000
Ulnd Pure)lne eltDow COSt$
$1~83SOOO bull f2222
S917SOO rfiloOO
8vRdinamp lSOODOO 1150000
Archltt~ 2SOOOO 125000
Rel)~e 1110 docks exsand 220 volt31o to dockS
25000 LSOO
12500 7SO
Other bldJIIIIJ)ICvefllttnts 75000 37500
Rcplbullce deelc Whoanv cabinet
3SOOO 25001)
17500 125001
EltcbIQI blhlltts 2MOO 10000shy
Elewlal bllnlt bull dliltional 20000 10000
Sounds~um 1~~00 525~
Water ll~ters ~lnou in pra1~ Wllle cablno~ ill laquoIn
2500 7SOO Scent0
1250 37so-1
3150
Oarlaoom Cllblncts 12SIJO amplsomiddot
Are pk RepIa~ dOQil
usoo 2SOCjl) 1~~
lnrtellatiOl Wor 7SOOO 015
Reoli~ decla 200CO 1DOOO
Ellt~lnmellt anrer 15lt100 7SOO_
~n intor4St bull cwcuiUed -~tJXJ uUM aoo~lt asoo bull150 aurrst 100)0 SOOC Clunderers 28000 14000
~rpo~nt lCOO lOOO ~-Adl~~foom 12000 6000
Desk bull JYons room 9-SOO 4730
I(~ remodel 11000 middot019 Ctilinc b nc 6000 3000bull TeiQIIIOft bull oenlse room 3000 uoo Outslde~n SCOO 250(1
W~middotdi)H 11100 soo ~ndJiaplnc 50000 125000
- 0 U$500
Subtoal before homeowner eoemptlorgt 0
Homeowners ~vption sooooo 2~000
0
ToulcOrt llll771 0
middot5162771
--------------~~-- -middotmiddot---------~-
APPRAISAL REPORT
of
RESIDENTIAL HOME 6020 Lido Lane
Long Beach Ca 90803 Naples lsland
APPRAISED VALUE $3900000
PREPARED FOR
CHASE MANHATTAN FINANCrAL 3991 MacArthur Blvd Suite 200
N~~wport BE~ach Ca 92660 (714J 760-2671 FAX 760-6252
AS OF
September 23 1993
PRIPAREO BY
Dwyer Appraisal
Larry l Dwyer UcAR003464 Cortlllod Auldontlal RE ApprAitor
30011 Ivy Genn Drive Su1ta 123 Laguna Niguel Ca 92677
(714) 495-4567 FAX) 495middot2363
-----
middotmiddot
AREA CALCULATIONS SUMMARY LIVIN(fAR EA CALCULATIONS
A Area NarnD or Arlla Slza Totals Braallaquofcwn middot Subtotafa lt~ -~ 1bullgtR -
G[1 rirs 7middot1oor iISLOO n3-o ~ X 1400 2l1GDiil
htbulltiol St ill t Cll middot rfmiddotP70~ Hqza~ -50 -H9 25A l so
~ltgt enclobull~d Patio 4js1S US25 _ ~0 n 5o middotlH ~li tIIJIlWirt (A~i~ll_- Ul1cent0 llHOD -200 LDcent middot122 1)1)c -2 QC ~lll~ -l 0~A
l bull OQ ltmiddot middot5tao bull02 400L 200 ~ uoo 1G2 ~oc osl ~B )Q HoB
55~ X IIJ 24 2amp6 75L ~$0 X 4S so 1~1 ~ middotnA 600 X uso a onT I JSa us~ 16215
0 2 5D ua~ lCSSSO
N 1 DQ ~ Z7 10 2750
s -550 Hoo ~11100
-500 2lOU middot110D
Lllno__-----middot--middot-- l bulls2 ao
TOT1L LIVABLE (rounded) 2882 J _ middot~middot-middotmiddot bull
SKETCHAREA TABLE ADDENDUM liia No 3 2590 2
S llOfiOYIampICIIent
u ~~D~o~b~k~i~n~------------------~------------------------------------------1 Proptf1y iddr~Gs8
J 6020 Lido Lane E Cltv CoiJ~Iy Slate Zip Ccdbull
C~--L~o~n~~B~e~a~c~h~----------~L~o~a~A~n~e~l~e~s~----~C~a~middot----------------~9~0~8~0~3----~ T Andbullr
CHASE MANHATTAN FINANCIAL
nay1 1v1arliUl tH
~tl
t M Patiop A
t0 v e 3 Cltr SublmT~~ncun GruugooWino Ccllar M 1H AI E 3CJI IIa
N ~ r-a7bullT Ulil l s _- 10J
I btzr DliTlaans ubullK
E ~ -~1~
17
middot~ -U
T ~~r~~ H wtuc
H J j --- ~
= rr 1 i- il
ir lW
IC
Front of Propertybull
$0IE 11nth 18 Pampnt
M-rm r2(X)O
CAL~ULATIONS ADDENDvtVI Ale No 325902
=lrst l=loor (GIAt) Extamptlor Slalts (GLA1)
-~middot
A R E
ns~
-550
middot5 so -200
-200
aoo 100
oso ~ Ia
) 50
00
150
Hso too
-sso -soo
tbull
X X )(
)(
X X X X X X X X X )(
X X X
amp40~
IIJSO
uso noo noo 5100
~100
ta50
o uso uso uso uoo 2750
HOB
uoo )53 oo
lJlQ~D
-H9 25
~1na
middotUIOO
bulllZlOO
lOZOD
tD2 00
2125
tun 12H
Z1900
1UU
lOU$0
2750
bulllllOO
-tlOO
-tnoo
uoo X LOO oo
Totaf for Arna 298100 Total for Area llGOO
c A L c u l A T (
0 N s
Eneloaad Patio
400 X lG~SO X
30 X
(POR)
JO~O
110rt
20_0
middotmiddot
1200~
IOtfO
71 75shy
~sragujWtM C9llar bullmiddot (GAR)
H~Q X uoo 111)1 X uoo 1000 X loo Z400 X 100
1000 X 750
ucoo lHM
70LOQ
tUOO
1100
B R E A K D 0 w N
Total ror Aroa 4~625 Total for Area 133100
Paga I of I
SKETCHAREA TABLE ADDENDUM Fllolo 325902
S 8onvNbullrCIIan1 U Dobkin
Property Addrell 8 J 6020 Lido Lane
Ctty Cotlnty Stale Zip Cede
~~~--L~o~n~~B~e~a~c~h~------------=L~o~s~A~n~e~l~e~s~-----C~A~----------------~9~0~8~0-3~---lsndet
T Chase Manhattan Financial
ll
lie
2nd Level
~middot
aabull
A
UH
umiddot
I M p
0 R
v E M E
r s 3 lt = r i
$C~lE lfnch = 18fae
-middot ~t_~ ~middot AREA bALCULt TIONS
-4 ~middot SUMMARY
bull _middot ~ ~ LIVING 0REA CALCULATIONS
Ar~a Nama or Atea middotfoiais Subtotals
SIIICOJIS tloor
2tU so Y
middot ~~~middotao 2ll7~o
Bxtbullllor Stair-~~ cHon x us_o -lS175
~b To ll~lur jso~o vssa 50 ~l5L75
~Ck H~n~ 00 Spound SO 2~ 75
o~ck HI Z5 5 so o~o 264 75
PtDnt Daok 1000 IL90 ~ U$0
26SQ X JC~D
1-~middot X Jln~ 1 1
middot-middotmiddot bulll05Q X middotHso -2gtamp15
-uoo X n5 middot17Z ~0
-J so
-11~
X
X
oo lSo
-ll ~Q _u ~L oa ~ J uo _ oo 700 r 30 oo -21noo 100~ X lt oo bullt4LOG
---~--~middot--middot-middot--------
TOTAL LIVABLE (rounded) 2533J --~~ -shy ~~i~middotmiddot~middot_$-
~~middotmiddotmiddotmiddot gt-~ yo
CALCULATIONS ADDENDurv1
Flte 1o 325 9 0 2
Seoond Floor (GLA2) xterror Stairs (GIJ2)
nu X fSOQ 2H5Q 1100 X bulloc non middot550 X SQ -U4 75
bull554 X bullmiddotn bull1St 75
050 X Sl$0 Z375
sso X uo 2U75
nDO X UIO USD
250 X U50 ucu 10 X 3toa uo
-tftD X Hso ~27tU
ISOO )( uso -17250 bull]0 X p QQ -Jl 50
bull115 X L50 -~ ll
Total forArea 298188 Total for Araa QQOrJ
-~ middotc-imiddotOpatlToaglow (GLA) D$Ck middot~middot(POA)
oo X ]000 21000 1~50 X 1000 ~noo
J~OQ X ttoo HOQO
Total for Area 35000 Total for Arel 26500
~-middot Deck (PO~) front Oeck cPltRr middotmiddotmiddot
ll()C X s~so Ut~Q lZOG X tOQ uoo s ~u X zosc 112n too X so 2200
Totalfor Area ~ 29425 Total for Area middot 7000
A R E A
L
J
~
r I )
~ )
)
)
I
i
SKETCHAREA TABLE ADDENDUM FileNo 325902
S BommtCIIMI
J~--~D~o~b~k~i~n~----------------------------------------------------------------4l Prapampltly Addreta
J ~--~6~0~2~0~L~~~middotd~o~L~a~n~e~----~----------------~--------------~~~--~----~ Clly County Stille Zlp Code
~ ~--~L~o~n~~B~e~a~c~h~------~------~L~o~s~~A~n~e~l~e~s~------~C~A~-------------------9~0~8~0~3~_____ ltndetr Chase ~anhattan Financial
BayMarina
3 fi
3rd Level Upper Level
ll~
Front of Property
LIVING AREACALCUIATIONS Area
bull middototmiddot
Narri~Of Are~ ltmiddot
ar~takdowk ~
SUbtotara ~=-~--~7f middot1middot
GlAl rhlrbullt tlcoi 249487 111o tlSO ~2U25
Bdariot t~d = -931011 s oo 4 somiddot bulll2150
fnterLc~r ftaln -UlS sso d(SO -3$475
POR )rd rv~l frbull~ 2Hoa s~o Ho l61i 0 7S
lM Lavl De~k lt4 so so )lOQ l~4 00
150 X 25 oo 8~0
noo X 2J~~ HLO
-60~ llU -s~ no -~50 X 110 -JLSO
-s n~ X 5-S~ bull so
-115
uobull X
r
~so
7cent1) -middot )]
H2C
llo~ X Qo 19 00
1)~0 X lM -Hz~
TOTAL UVABLE (rounded)
FdtiIT nbullroJJ
CAL~ULATIONS ADDENDlslVI
llla No 3259 0 2
Third Floor GLA3 Exterior Stairs (GLA3)
2150 X 1150 22Hn 110~ X 900 I)(J
-~00 X _0 X uso uso
-l~bulln
-15415
~50 X U50 24$15 bullbull so X uoo J0400 J 50 X 1500 0750
17(10 X 2150 au so _co X nso uoo bull3~0 X bullbullbull o ~uso
-too X 550 -UScent
-175 X llo -Cll
110 1 X lDO lt2bull
Total fot Arel 248487 Total ror Area 9900
Interior Staln1 (GA3 arct LeVa~ Deck (POR
--middotmiddot middot bullmiddotmiddot-middot
I3 o X l$0 4125 J050 X 500 IUOO
JOO X noo 5100
Totat for Area 4725 Total for Area 23400
3rd Level Deck (POR)
11oo X a so lHbull iO
Total for Area t4450
t
Pogo 1 or 1
FcrothJxcct
Dwyer Appraisa[
PLAT MAP
reg
CALvULATIONS ADDENDurvl
Thftd Floor (QLA3 Exterior Stal01 (GIA3)
u~~ X u~o UU2~ llOfl- X oo 00
-~0 X uJo -U2~0
-~-~0 X UJQ -ntu s so X p so X middot~50 X
o l~ oo 2 oo
Hmiddot 10(00
Of~~
1700 X 2JU 3 so -Joo X 1$0 uoo -)SO X poo middotlSO
00 X $50 -H 50
bulllo75 X liO -su nobull X 10~ uu
Total for Area 249487 Total fat ArEII ggoo
lntarrotStalra (GlA3 3rd laval Oeck (FIORi ~if middotmiddot
u~o X l~o nH ]050 X 6 oo I~J 00
)00 X 1) oo Hoo
Total for Araa 4725 Total for Araa 23400
3rd Lgvsf Dock (POR middot
no~ X ~-middot0
Total for Area 14450
Dwyer Appraisal Praoor~v Dorhgttion Analvbulllbull UNIFORM RESIQENTIAl APPRAISAL REPORT foife No32~
middot-------1
middot~ Nole~ R1~ W IN t1tc1-l ~omJ~Wh11 ot chll ~ct~ad ut nK erhttred tlltW~ ~~ fbulloIOflbull
~ coiAMiNHlt 9Jbiost it Laat-lti the letwt sltlrt 11nla eottlt~r~ g~allty Htatiel ~HYhou~i rtlllmt
lrJruJze ll~Cil Fr-(RltCftsJ m-~~4middot~ bullHn lartb ~~ref lest Good Oampintenanct leveh Pltgtttooo=Lbull=---t
l shltooinQ I rbullLat61 ~~~---middot------~-----~-IJ ~SEiAlT~ AOOEI(WI f(]lt iDPTlregL_06TAlL~)
i oewrAAL oucmos EgtTfRIO~ QUMJbullTrQlf oiNOlllCIN DAampIIINT IIUIgtATlON ~ mt__ Mftfrofl tcrCr-el_ lllltb m___ bullmiddot~n ~- n ~ 0
SLCIIcu lhrgL__ amptfuNbullt e So 1b II F~ IIA cu COO - ~tUyen09___
T~IllatAnl ltaened middot- 3iSL-- Bet ~ Ctll~ Jl_______ VIIUbull ~--- []1 ~~~ 0U1Jft (91yhl Glrlr~bullo~ 1int~ Hgt_l ~mplrnp ~ Wltft ~-- ~n~O~middot- ~wll(~ Wtdoi11yenTfO ~~ on rtore laS_ bull IJL__~ I( --- 0~---____ P1QDP2Gd ltlrm _ e1111m1nt ~-_4ot-ed 011lbull~t poundntr ~-~-Y lpounds1- [i~----middot UMu lotfUtctillll amp-~ $crtcr-w ~ lffuttllm ~ Noted__ ~ -~ Erc11r (Nitltulltbulli
ADL lYra) 2 MbullrfuluH Heut 12middot----~--~JY~_IA~-----------~~JU~JA~---- ~~t~ ---shyrrrt ti Jt bull iY1U 1-2 NA WA IfA
-middot---=-------------~--------middot--------~middot-----------middotmiddotmiddot~--~middot---middot----middot----
--middot--~middot------middot--middot-----middotmiddot----------cmiddot-------~-------~---middot-------1 Dbull~reclbulllit~ttQtllrbull)llrltri4Mtlll(loj_tcf1oollt11itu~ottrQpobullhrw-Ko-t~nlhMkn-t bull~~t bulls Jn Gad_OVfratl ~tt~cp~~t 1tld~eit5 O
_$fflod Sflilrs bullr~ noted -~ubleo_t lrdicatEgt1 lus1s Mif)Qr then t~-t preamptir~~~~e-1 d tbull ih lAISor ie_ ~r(r01t J=tilt-fl ampnl FlflC8hiK~~t 110tgto1n tlre nru r~ Sypkally 1llartllteror~lttcrfrmt tj ne lxgtlltlbl due J~ t~ach cotoIUilHy irtfluco lhi bull ~middot Ld ~--q ro TgteOgtUr~b Lo eftqt on middot~ieets Vftlue or llrkamptelgtjtj Y Iiithin th Cs mr-lket~---t rJt~d mbulltktt CONfil~f4 td puw1hn01 in~ lrnlbullc(in Utbe-~ctlNltt trU r~udllQ foirn51~rtt Wrut tJtrd61ront tld (QK4uiYf amp~ft OONittai-~ j)_rla itabt__ amp ~)lt()bull bull4 rot pr~(ent fn th~ ~rM Silil9cta 1lrsotlng ttq lotlfd l_s in e~lt~amp of 6 trltrtrs h -~qr~ in thin r-cl9~ ~9 1idlt_i9 ~ri~~dly DJUQJlH~~ro qf~~itsbl~ fg htrl)tr gtricltlt WMbull ThlbulltJ~Yi~iftIA~t Rf~ ~middot thmllllum SltIJthem CUfomlb middot
Dwyer Appraisal
f w Ft~ll Mill- Ptnbull Mat lhl r f0Wt ICf ~bullhtHUent tnd OMe lpcNch fOff111111 In 1hJtbullbullot -middot-~-l (l)tt tlt~ are ft01t lllltSMll amp fllift bullbull ~l es fnf01111ltfm -~~---~-----~middotmiddotmiddot --~ shyby l~gtltal llltHdersconva~taltbull lgt~tn ~DEO Mlq~E~----
I f-qoy E-bullmiddotntlbullbull ~a8111$mies bull - bullbullbulld ~----~---llloo~n L1ll_sl81~ bull 1vlfl amptLmiddotr~t~ et lftw bullbull bullbullbullbullbull bull bull _ _pound1Clt=--i
~at A~bull-M lllr INO$dlt Wife bulllt~ Fuulbull Mtol
DMa bullr~tf~nfOtft M tr()lleo~~-1bull HVDNA PI~( ICampt1dbulldt1 0 Vbull 0 Ho Nbullnbull tl Wtrttnly llrampQIL
HNoapltlrtl lllEIU~-----~--~---------1 Wnnll C016tqe EIM
~DICiTeO VAlUF BY SAIES COMPAAJSON APPROACH bullbull bullbull bullbull bull bulloiCAUlJ VJIILU IIY 1~twt APiiOAIA r1 Ap~eitlt~ t1dMilN trl-fIUI ~ $ ___)j[lJ~--- ~ K Otbullbullbull rt1nt ~IIPihr N bull bull ----~---J NIIIPfrJiut it mamp no abull 0 bullutf~t ID tr tepti-1 IIIOtbulltic-INIf(litll 01 ro~lliorwllIM lnl~rW 0 EGM~bull~ IU plttlll ant
b IQCtthai It bKampIIfl~ IM bull~t r~qitorntt~tbull~ IN-vtllloKft-laMIAJ+11 tMJ~tf~eod~41111 tMMbullriramplt ltf-t 6trrnh~ ttwt Jbullawtampt~ In
] frrtA UUO amplor VA lrat~ilo~ J lrc~rt Mbull~hmiddotM UO ltfn iJ9tlfiftntiMKFrm 008 at-1~J Old11~~~~ 16__
1EI PI ~Tpound 111pound MIXH VALVC A9 Drlmpound0 OF tff SUillCT PADIt~lY A9 or ___sW~----middot~ ~~~ bullbulligto I
IMII -M4eletBJ hrn t(bull ttw ttICI CbullWltCI tNt I (we) Mlt~lllllyhtptctef ~tt uPtcl PI7Mrtr ba1h lltlde td4bull1T
thJ r-t~r lttNt lt-Mt I ~ ltttt la Vol$4knd ntt~r rf41$rlt cbull ~~~~IJt-~11yenbull hetn
PtY-pryen161~----------middot--- Omd Ooi1N~l 6r Jtgtll~bulltwl NA-JE ~~ PrsoM~
Dwyer Appraisal SALES COMPARISON ANALYSIS
IIC9
Dwyer Appraisal SAlES COMPARISON ANALYSIS
Dwyer Appraisal
----~----------------~iltNDJmiddot -~~~Do~bw~~in~--~--------- --------------middot-----------------------shy
~~~Q~L~i~d~ok~La~nwe~---------------------------------~~----~~ 5lt11lJmlg~ Cg~nlty Lof 6ngele_amp__~_____s2Jtn11 Ca 2jp Codo 9Q80l
Ltncfo CilASE MANHATTAN FINANCIAL C02
AOOITIONAL MARW DATA OOMMENTS
omparab~es H4 5 and 6 were s~leeted f~ the Lido Isle area of Ne~rt Beach Although Lldo Isle s substantiaLly further south ot subject the island of Lldo baa stmllar eharacterlselea is not ttad and eorudderad sllllilar in overall market appeal
Jmparable U4 and Co~rabla 6 are both very s~ltar to subject in livlrtg area and the large lot lre Their location on the island and their bay)hnbor vbv is vary tmilsr to 3Ubjeots Large ~just~enta W6re not nacessa~y and thaae to cnmparablea are given considerable weight
~~able 05 has tnferior lot utility as well as living area ~ich raquired adjustment but tha Law was couaiderad s1mlar All three opound theaa co~arablu reflect similar construction quality 1d we~allmiddot marlcet lppeal
lmparables 7 8 and 9 are the beat of eu~ant liatinta avallable on the Naplaa islan~ within ose prOltilllity to subject Although they reflect construction quality and conditiOn more similar 1 aubject their inferior lot si~es snd utilit7 at vsll as living area required substantial ljuatments Current llstings are fumfslud to demonat~ate the upper 1~t opound value for the tbjee~bulla nampiahborhood Adjustments 1n the grid section reflect the approximate sates to lat middottee pereentaga probull1lded by the local Multip~e Listing Sarvice
DNyer Appraisal
___fgJ~~lri Proa rtv Addrau ~ ld9 tBM -~middot County lolll~tt ___J~ Zie Clllt ~
LKndet ClUE ~~ltATTolll fiiWICtAL (JIQ
AIgtDINDUM TO APPRAISAL
Ojt 1 loeaud witlbullitl t~e city lln1t~ of ~ Bead) Callt~fa IOrll Seech h toutod llgtrodnaUly 239 nie$ ~h o1 lA~ Jgamplu the ~llty seu o1 10 lneles CCUty The pl9atnt J~QpJlat fQl o1 lAtl Bead h lllPIgtthattly COO vi thin It 4971 tlll~ lle~ lhe ci~y Is bGrdered laquo1 the U)rth by lampblootl the $dfltf1 by u Pacific Ooeltl tl14 Vet by Olr5Qrl Std Latlta lld the East by Sql bullad end los Al~ltoa (OriJQe toTJtygt tt ia eUo bordered en ~flo lleat by tfle lcni Beldt CT10) FrtltMtf tlo llorth by the Sen Dieogt middot-y lmiddot~) allll the Salt by tiM san ~lot Rlwr F-y (I-60$) OottVtlertt 1~y middot~-s II I hlcflly lrelgtlo ftaturo tor bullbullfdlnts otto ~rte t the a~bull
thougl1 the city Is plfnar1ly 11 ruldtntal tQOUfty a stbsturtlat prtl01 a1 lWld 11114 Hsllfved tor trdJstrlal ~iat lit( Dfflcbull rtldlltiJS u~o lfajlaquoo siqlflllll COIIpltxa are acated th~t tte ity Cbulllitorni State llnlwrslty Wid IDrg Belich City t6lloge ere bulleated ln toog ampMch amp~ill to loroer Prb ale SQItttrod tnrl)jgcJt the city far tile re~oation usa of the resldoota
e fident1~l ~Xltmnides bullrbull cha~ttertlect lfith a 111Xtlltll of restdlltialvi~s tqing fll arell oldt loxl frlllle airqlamp fenily ~as ta l11rger1 rltNOt1 ~ra ~rn trset t~ txbulltng wlli~h bullr~ ~~lble ciJo to tke 11o1t11tt aitt fnfucn~
lje-ct t Lacatod In tJo SCYtbeat coMer of ltng Be~cit in ao arM alown u Naplu llpl03 h an iamplencl In tl1e eorttr of e 10g Botsch rfna and 1a IICicnuble fr011 he Ean bullnd tloe lint by Sa=d Stlttlt
bull rntigbolflood OOil4itU of avetbilebullgood ~bullelHy 01111-thrltlltl story detadled houus rliIQitgtg 1n elze frltn 1100 to SOCO ~~ ftet -r aecltou h appiQKItoly thrlt111 niles tut nt Nifborlood ml~ good lntwnt llt~ela Scxgth WwiJ ald rtlatd Vi~es orbull ~tntly QcaUd to the p~rty tie botlrdarl of t1le nefgfilomood ~~ct~ld ~ tM hlsnd faelf
~ faUna ts a hidllY dtagtle Gnd pre3tfolcus pllcente to Ulltt ltm Its grtat locatm j pttgtltity to tte ~at=r Tte lota arrood tilamp 1bullifOlter ot th4 itnf havt tJc3t dock to tile Net liUh tM obtfty to 1c~tt 50bull60 +ya-tu Dnttra of th4se ~~ have dlre~~ eocua
thofr OOta fred the r~r af tht pfQletty will ch can thelt be Moiuted thJQUdh tho ~ l cut to the Pat Ifie Olelaquol the hmu lrltMd bull l)fgtrf~teter olIIO hlve ~llent vie~~S of t1e bly 1d eft) llihta For ruldmh COl 1nte~lot Lab 1t It ltny a lllort walk to llfll of tlw V4te bcl-et tr the tidents and tMbullM prtl to w~ llcmu cr1 fnterlor tot t)l)1colly r-arg= In 1181114 11011 $150reg to ~tn)r
e~ the por11Mter ~th llllter frcntiiJI tgtP1ealty r~r99 fiQ1 SVXOOCO )Igt StOOCOOI- Thbull t~ In the IJJH b tC71Mrd~ the rexJHdlrg Otititien to rrdor ccnptota HnOcletlng of all otdeJ heriot tile hond ampooQ tM gtltltfMUI odjKeot to thamp bllltld Th1a trend
~~ltthelt-- tile rtobilfty of Mrka~ lamplue$ in the aNa
Dwyer Appraisal
Filo No
_B2~ttSilpn1 COOle In
Pbullbulluru l~st 8l20 Lido L)) Cllpound~~cfl C~llL2~bullLa Uabull c 2Q~ltIdbull ~
~middot----lendbullr CHAS ttAHKTrAN FIIIANCIAL tW
ADDENDUM TO APPRAISAL
XTERIOR FEATURES rtOIIltlc (ltIn tbtrs) $prinkler ampy$Ctn tn jrllrlt amprr yafltlp
wltold amp gottd llfltry to tht front dltlor provd~ privacy at 1141 u a frcnt patio for lddhiltt111l fbullnctio-at utility oblld p lltltert in t~ frltnt amp r r yard 1sta1 dr111CIIIIY Ia nade of aalld flags~
~~ front porch is~ of solid fl~tONO
111r yard enoleooed ootith a~middot hi~ btoek ~lt Thh proYidlte9 aitiONJ~ ueurty li~t obstru~tlng tile bay vie~~
CJJbulltltlll luilt bullPI in tte frat QQ(Itt)llrd bull 11 patio bullnbull elso hu 1 bulltmiddotfn 18Vfi~ft
lttio a~s t~s tM r of 1lltJ- b llco(e of solid fl]ttltllo
rt of the riNr patio 1~ It CfMbullrltJd by ttl~ seoni lelto~ol dedc
~TERIOR FEATURES JIIIStDIIII ftcarlng In MtJY hltJllnlf I t~~ m thegt 1bullt Uvl 1 sCCIId lbullvbulll Is all 2~~qJare 1111rblt YilOltXf qJJotty eubulltat e~gtrprtitiQ th~ the root of th om Item h~~~ qUII ity Stow-oo ayttn tlulCIltt the ~
J Cfllllity hcurlt) syatern th~t Joillltfl ta dNgt~t disl to a sacu~lty JK~nltorl~ Jbullrv1 ce nt~t len shutters thr~ tcglt~thar wf th 6tioer CtJbulltOltI ulndr1t eowri~bullmiddot
etaold llV~IJl9 dl~t -t prflllr) rcons ord t~Llolllys
to 12 ooilirQS tb~ ltlOSt Of tho hi3e bullll~tbull ere ptaced bulltrateic~lty thrctllflalt taD IClWII mot41t~t tlvalgtool tht houso rn tfoe addltOfll bedJQOM JtiiIOfef Uo((frdle dltxgtrt rt is 1lao a Mp~Jrato wine ltollar gt1ich h tlle~tatiClltly t~rswro I ~lfrate taltrollcd h a lourdry chute fiOIf tl~ llpl)r tel(a) to the lalndry ~ ~~~ at t_ lCooer lemiddot~L
TCHEN ot~rtopamp In fctttMn are tolid ~rooite
itOOltI flco~iJ In kitclen i nd area
Jlll~ cOltok~ aU othe~ top ctlIQIty lilltes amp fl~t~res und In tnt ktt~ as OMlL as the bullbullbullt of tho hoobullbull amp il a ampefgt6rete fet at thbull kitchen sl~k for inseartt hot lllltiH
- is a mr~ 114kmiddottn jlllftry lttich h bull very ~lrabla fbullbullturt usUIlly fafd In larlts rn tMt t~
bulle h IJ lalge built-In ref~ig9flltalt-tob-zero 1reeter lith the front ps~elamp Mtchlrg Uo cablrgtlttJY I~ the kltclltn
lULV ROOM fQnfly rogtOfllllls its on firqJlace
STER BEDROOM amp BATH llll$ter gtlaquo110011 fs Vol) ~paclobull tltch fa a typieal fcatTJre for thi~ ~ amp ptloe ~of ro ~ h a sittlrq area or retret~ at ltgt1~ End of th~ lliISter beiroott taster bedRltln has ita firepllaquocentB lotlfch h triliiTed 1(111 norlle l~ tlt~ ftooriJ9 thJt1-IGhJt JMst~r bath rzi tlb in IllS ter bath 1 ampt-alor wt th clxibte shltloer hctado
h a t6r~ llalk-in cloet in bull~tr trooo 11tt~ buHtmiddotin orgbullniz amp ol-olve$ Le amrcqJI In rraquottor bllthCan
lNG ROOMDINING ROOM -o 12 ceHI~ in Uvl19 ~ tving roar h11 it 1$ Qllll ffrplate llttici a tr-fmoeltf uith rarblo ont co t~o dinllg roro thQr h a bar rem JJth e w$lkmiddotbehtrrl llH bgtr th~ 1aro1ly ftJoCt1 with a luilt-fn ref~t~rator amp fc Jor n stulptulOd c1rpetlrq in the livfhJ roato ard lldJont trca3
IA(E bull~biO n qood qtelity ~Llmiddotup rr- doors wHh liample dcor qJltn~rs bullilirqbull amp ~alls in the qgtragbull are finiohelti ot ~bullt~r ~tor hltla a rbullmiddotelrwlbulltlf ~ lottich plOIbulli~centamp notMt hgtt lf~ter to praoticany ort(tero t~ the hOJs~ 11t to tbe 90rigc la 8 ~tre cellar middot-et ba- liN 112 bllth
~-===~----
Dwyer Appraisal
-iUPt-~~JL__ lroarty 6lt1bull~11 (lRtJ lob le
~~altl Cauntv~~ sra~ C4 II a~e lalll Lande1 OIA$E rtNII4TfAN FIIWICW eolt1
ADOitNDUM TO APPRAISAL
lnal Reconciliation
bullr Nl$ llo 1blo Reccrd5 $~bjeot has nat ~euro11 ~fated or told tn the pKt 12 rrcntlts ampnd h nat pr~$llntly listed
te nat cttampttt bull~u activity tn touthHrt california II e11p1rfenoif9 Lilli ted aetlvh~ dUo to a tlt~gglah OltOOft lotile ptql~rty vallo$ pear to llttve lttoclfne tn eore 11rtas other etelt~t are ~~le $ tlaquoM areas hll aGtuelly lncnut fn vat~ A pertloular llef~barlold fVIf Prfmce lhat ~r$ to be Iii t~~ary cleltline fn ~talue ldoltrt nveral ~r-s 1eve an wgent nHd ta aell lara aU ~t1rq for thl middot111hed nlnigtor of bitter~ llll~gtfbble Thfa h -ftered to be bull telpOnoryo aftuatfcn lohfch will oorreet Itself 4hen tM tOIIIXIral) Ooert~ly ~ b ebtorbod amp detend fncr111nJn bull111~ Ioiii~ hllgtl~ txperferncd laljle orplO)lMt ~ffa or oloVte of lalfe renufacturi~ plllt1t e rtcwery petofod formiddotp~ty v1tlut $ thl stobHlzatlcn of ~lfmng Yll~ claquo~lltl be atttantloUyiClIQltr amp lOft sown thon tEIIIlOrsry
this CQldltfltll is ratld or ena arprmf~r h ~$rt of It I~ l$ ~tod en bo amplfSl8rat~ adclrldln Nrefn middot
thh 11sprabal anfgrncntcal4ful ~~IGltI ot all curlltrt Mrket dllta wu conafltlerod ~llfch inclLdcd analy~1a ot cu~rmt ll$tlngs penii~ les aa wll ~ tJqtrld and -l~ lhtt~ P~lng aales 1rot~ltlthn 1 gfvm ratkat ar~ can rerg in vamplue wbst~ietly ~lng lfv~rQ area rccn cortt anenlties ncltrlng view or lllcc ot Vflll and 1q~~ta ~ ~tfa1 lf there litre pending MlM ~tlfdl N aio~~llal to subject In ovtral~ rarket Ollll4St1 cne Of~ of thtsa ~fng sslobull Mite beelt fncl~ fn thh tltport rt there 1111r1 no liHir per-ding ales ptnd111J alet lhich ~ltere not silttlar Ore not Usqd lhe u o1 ranbulltlnf lor Mles ~oWld Tlt~qJire thm vn of excQsfva 1 etbjetiw adjus~s leodfog illes 11119 adequE~tely teflect curr41lt ltlrklot derltJltf ~Mingo les of ptepcrtles stnflar to stbject at fees l~r thlo rtelt closed sal are gfwn tho roampt lieigntPendfng 14~ laquo f~gtlltr ~rtles hil1ltr prt-1lt1 than r~t eland sales 1 g1v151 o~~fniMl wf~t sin- tie~bull fa bull poulbllftl tlllt thay ftlt nat clo~e aaerou for a VarfOU IIUber of reafiOM
led ales withfll thl jlolst 30~ drtt aramp IIOlt raLteble alllcento tMy hlrw ctOltHQ amp Urrt are -t recent II tllo ebtenca qf reltenC eloeed gtendfngo satu 111 ~mtyenab f CM~ llstlnga ws also ~~ted ~in thitrt 1M be a llidbull ta~ t valuoa -llllble tor Uatl~a far 1 lfll~ tf abooa llstrga prlcad out ltgtt llfoat ~rata be reailcrollbltt range of wlut Wllftt not ccnalderol ~ und In tht rtthey hlaquovtt btco adJusted to t-4 prebogtlt ~~Gmntlllit a1 Mlt ta liat pric es reparteltt by tile Local 1Jltiplamp ~ittliG Service Further iuatmnts aN then ~eased en teatur~a coodftlcn etcent Hfnltral ~tight h given to t fatfnga ampitgtU they tore clrly d~trate til ~ lfroft of value for PtQPa~ths tfllilar to Sllbjet~t ftOir stbjeets narlcat Gru ~ are hMfr tile ro~t CYrrllt deta a~~ampftabl~ If cne t110 lfetlrgs 1evt nat ~ inotude In thl$ rtp~rt fn lieu of peldiJ sale t I$ becaue~ tfl~u ~bull nane ampYallabl~ coosldotrod to ba 1flar to stbullbject 1Qn-slllllor properttampS IIQIIld agin rltUir~ tM u- ot egtltltauw ZII1CIor Oj~t altljuatts tl1cn ckfeet th~ p~rpase Or bull eo~rabte t~lamp middot
middotmiddot====== =======~=--~----middot---bullmiddotmiddot-----middotmiddotmiddotmiddotmiddot~middotN---middotmiddotmiddot
FotbullN 32590~ DEFINITION OF MARKET VALUPIhe mott probaWo pric~ which amiddotpraporty ohOltifd brlnqin e bullampolfdve bull~d opbullnmorlltel undor ~~ conditions requltitbull to 11 loir oolo tho buyer ancl eampllor eech bullbull1ino prudently knltHYiodgubly and usurntng tht prloo Ebull not eHOlttAd bv undUltI inwus lmJ)iiclt In thlr dofini1lon the ltltgtMUmtn~tion ol bull af IPIltlifled deto Dnd thl poaslng or tidt ltom bullaJiar co buyer under oon4itlont wh~ttobY (1) buyor and wolltr ero Lyploanv motlvalltld 421 both panJsl art wnll infom~ed or 1dYid bullnd uch acting In who ha eonsidorbull M1t awn bs~t lntereot Ill bull roaaorlbullblo timamp is nllowod lor poevroln tho Ol)llt mabullbtl (41 lIY ibull medo in torms of ~bullbullh lrl u $ dollarbull 01 In tturno or flnonolel ~1111810nts oornp~rlbfo thereto artd (5) thogt ptlco lipiUIIItl rho normal caideratiltJn lor tha prop$ry aotd unefftc~od lly spociBI ot eroatlve nnancfng or ur ooWluslona bull granCed lly envone asbull soclarlld with the bullnit
bull Ad)ubulllmampolto to the acmp~roamplot mu~t be mede f~l 8ptclelat cres1iV9 finannlng or tlt~loa ooAonsiltgt~ No sdjuWYents bullrbull nao~orv
for tlto oo9t9 which ato 11ormally peid bv ttllilre 11 bull roeult ar trtdltlon or lew ln bull mrkot arbullbulll Ultse coots arerudlly ld911UII11No tlflus tht 1sller peya tMtt oootl In Yirtually ell eltlet tr~ntaotiant SPJclel ot orutlv liMnolng adU~tmontt can bt rnocle to the oommiddot plrable proportv ily aomptlisont to financing termbull offered by a third psrty instituric~lllandor thai io not afmtdv lnvclvad In tht propshyortv or trantecrlon Any Olltfjua~tnent aPtould not bm talaulartd on 1 meltgthbullnloel dollor for dollsr cabullt of tho ilnsnclng or oltmcot~lon but th~ dollar amtount of anv ad)ubulltmont ehtould apprlgtlCimato tht Markatbull rltbullaotlon to thl tlnonclnltr or ccncetlone baood on th~ onJ~Ufjorbull judgmeot
CltRTlFICATION AND STATEMENT OF LIMITING CONDITrONS CERTIFICATlON Thl Apprlliter ~artlllampbull ana reea thogtt
1 The Appr~llttr lult M prou11t or contemplollbulld futlire intorebulll in tJoe prcpbulllllbullpprlitampltl ~ncMithar lhs omJ)JO(mont to mako lite oppraluf nor he oom~~uutlon lor It Ia oantlngenf upon tho ejlpi~lbullad value of ho prGperrmiddotr
~ Thbull Apprmbullor hebull no paortallnter~al In or bias wfth repaot to th~ eubjogtet mtlter ol tho apptolool repo~ or tho pnr11clpanto 10 th oalo Tho eetlmlltt or Mor~at Vo11e In the lljlpraiul roport Iamp not ba~ In whola or In palt llpon the reco color or natlcn-lcHgin of thbull prcapoclfiM owMrs or ooouponl8 ol thapropJrlf eppralsod or u)on the taon ocor or notional origin of tho praunt ownoro or oocupantbull ol lito propartioe In t~ vfclnll( of rh~ IHGporty apprafbullad
3 Tho Appralttr hoe l)oroan~lly lntpeotad Utltl propwrty bolh lnaldbull ttnd a~r arltl ~ madbull an ooxurlot in1ptc1tan af ell cwnperehla bull~les ~~tod In lhfl npott To thbull but ctf tht Apprelearbull knowtodol~ sfd Hillel alt stttemenlbull and lnfarmotloh fn th~ roport 114 truo and bullbullmtal ~rtt tJe Apprel~ar h8t noc knovrngy wltllhtld ohV algnlneal1t lnfltJtrnatlon
4 All conlll~tnt end limiting ~ond1tlortt arbull GontalogtoJd hotoln limosbulld hy the termbull ol tha eoolgnmanl or by the LondtroiQnod olteotlngtlia anofJliOt Gplnloflt oond oonaluaonbull conralnad rn tha Fei)Ogtrlt
5 TNbull opproiulltpart has boon made In ~bullmforiTlty with ond Is oubreo( to tht ttqulr11lt1ampnto of tho Codamp of Pr~fassfanal Ethics end Stoinltlltls of Prolaolianal Conduort or thG bullpprnlssl GIQampnlznlant vmiddotlth whloh ~ha Al)rnlut Is afflneiad
8 All ooncluiliono end oplnlont concorrlno tlbulloo tatl aotbulltbull thst ort tet rarlflln tho apprUnl report ware prepari hv 1M Appralur whoto olgnoturo ooppoa on thltl ~tpproJI raport unlbullbullbull IMloatood a 11avltw Appralosr No ohenga of any Item 11 tho eppriiU~I t~port bullhall be mod~ by anyono othtt tluln ho Apptofnr ftnd lhamp Apprsleer ahall havo na rotponJbillly fer anv uah lttnouthodzed
ohbull~middot
CONTlNGllNT AND LIMITING CONDIIIOffil lt4rtlfialfllon of the Appraiser ~pp~lt~rtn11 In tM orppralsar roport Is subjaot to tna folfowlng oondttlons end to euoh other opecolrlo bullnciiiNJUng oondiHons u era aet forth bv Uo Ap(ltJieor in t~o rtport
1 The 1ppriHaer ~null4m M rslgtonslblijty for matte- of a legal neru affaotlng tha propampfV apptols~d or chbull titlt thbullrot~ not dcos tho Appralnr r~nltUt ~ny opinion bullbull to the tltlo whfh Is ftbull~m~d to bt good and matketnbt6 Tloa property appr41Ud es thouq h under tsspoleJbhbull ownerohfp
2 Anv tlltatoft In tlto r~tport may bullllow spproodmor~ dlmof$lona end fs lnolltlad Ia anlst th~ nad~r In oisuolfltlnQ th~ prop4ny 1M Apprsi~or hu made no svrvoy af tho proporly
a Thbull Appralosr io not qulrsd to ~lvamp tobulltiotiOl 01 appear in aouri bo~bullJIH of having m8damp thl appro1aal with ref~ ranco to Ute praportv in quetUcn unlaso arretlgemoobull ~avbull bbullon prlhi~raly mad OJ tftltmbullfor
4 Any dlbullttlbution of thltr valuation In lite rampport betwoen land nnd lmprovamtnts appfisf only urgtfar the malng prog~m af utiJI~otion The s-oparatbull valua11onbull tor lltnd ond b~lldlng tnuft not b~ Uliltld frt conjOncrioM with ShV aliter eppralslli and era invgtlld If to Uftd
5 Tha Appralut i~Jsumeo that thora ate no hlddon or un~ppsunt condlclono of thbull pt~p~ny eubactl ot strucntramp~ which waufd rendor It moro or lass vai1Jabi4 Tho Apprefs~r asournbullu 110 roponelblll1y tor tltr~h ctnditicent~bull or fM anglnaampring which rri~kt be required to discover auch fftctDn
8 Information ampS1iltnatet end o-piniont lurnlshed ra llta Apprai9et bullnd contained in tiN toport w~re obtornod hom ourebs oonsldmiddot orod reliolgtlo trd lgtnrtavad to bt truo and oorrect Howevar no rooponslbllitv fcrecrlllampey of eucl lome furnfohad tho Appraiser can bo BUUmod bv the Awrllsorr
1 Olactosuro of lite oontampnr oltho approJool ramppcrt fa gorned by 1ho9 Bvfbullwa ampnd fle~ul~1ions of rho protasnlonel ~pprohel orgbullnlshyl~tlona with which tno Ai=Pltbull~Gr is ~ffilialltd middot
4 Nafthor bullh nor bullny pert o( the CltltfG11 of tho tt~art Ot ~apy thet~of lincludino conolorolont oo to tho prop~~y vnfubull the identity of tnlt~ Approoor prohbulloiansl dlt~bulliglttlons r$loronc~ to ony jlrofQoslegtnill epplllal organiadono tho firm with which lho Approlnt ia connncttd) slutlt be u~od lot nny purpo~ lgty nnyoM but tho errant ~pooltl~d In tha repor tho bol~wor If approitol lu pnld by ~ovne tho mor1qo~aa or h$ Rtocurs erol nort)no morrgo~o lluurort conouitant profuofonsl dppraisef argnnllailtlmt any l~te or fllltlofllly optotovod finenol lne~tutian lny d~rgtbullrtmont agoncv or inttrumontaHy of doe Unt81 State9 or ~ny bullbull 01 lht Oishlot of Colutnbi~ without tfoe proviouo1 wrltttll oon~snt of tlo Approioar nobull bullhoU It bbull convbullvbulld by anyon~ to thbull Pltthll~ thiltlugh 8d~artiaibullltJ public rampIIIICiona news~ stflf or ocflor mbulldia wftfl)lft the writt111n CCnlont tl1id opprobull1d of Ula Appt~Sl~u~r
9 On 5iJ CJPDrehilll$ $Ubject to ~ldetactory cotnplrttlon rnparl or alt~ra1iDI9) thn epornlsnl -JCIrt ~~gtllf - ~r--~lt1slon Utl conHnmiddot gllnt upon coflyen1amption ol lho lflrevel)entl Ia a wnrkmanlik$ m-omr1Gr
BORROWER Dobkin
PROPERTY 6fl2() Lfdo Lnne rottr lleach ca 90803
Appraloorlbulll
YAioNbull~ FbullrrJt- MoM ~-m41~JULU-1 Fltlfm 1co~ n JJ~ 8~11
Dwyer Appraisal
Ftre No )illQ2_
~UP~~~~--------~-----------------~------------------------------------~p~~~ll~~~~e------middot----middot~------------------------------------~~---middotmiddot-----
f--Citv I~ Seilt~ CCUQ1 ~~middotlu---------~---~2i p_Codo_90ll3ltgt=-----~-__ Londer alASpound ~HioiTAii fUHltI~L tll27
AlPJlAISBi ClmTIFICAIIONS amp COMPLIANCE lllTH FIRRA REQUIREMFNlS
bull The puiJl1lle of thif f)Pgttlul b to estlllato hlr Harket Value as cleflnol In tho attamplthiod FHLK( fern 4J9of tt- bullbltrle deo~ribed real ~rty lhia appllliwt 1s f9r thamp SGt and txcl~ntv u1e of the ~e described ~~Cl l~tbull
lhta eAOreiL nay bo ~bulltd for federally ftlated rort~ lcall prrpous $bject to title XI o1 tho FIMnbullfbulll Insettuttcns Rtfon r~E~Wr) EllfGltcanetot Act of 1989 (IIAA61) The 1Mers1~ oppralter(a) aekrQtledg= ~flet thoy have rMd end Ydarstand tle Utfor arlfard$ of Proloslotw~l ~alool Prectf 1USIP 1 at they ~tocl end y bt atltndod 110lt1 tlre to tiM by thamp twrbullhal StIWdartfs gtard of the 4fgttaisal fonlatton ~rrl u trplenbted by IIOd 1nco~rsted fnto the oce (Off1oe of the CAlrtptrctltr of thamp Currency) ~Uqulatmiddot gtIU 1hla llgtrisampl QOIII)l with ilCC RegJlationt PSgtlt1 tfgte tlnl10~JI $tarderltls of Prof-teN~ P~cttca (IJSPtP)
the legal dorlptl011 9f tile prltlf)erty u ~on t~~ fi((t ~ of tMt t~R~rataal regtainod frm tha cnnty teK uunws riOOIds
middot ot-r ~rltgtd 11hlch ort eotiQred to ~ relloble- but Mt liJ(Irlltltoed Tho tot atgtd trs~t n~ lldar the aueuara par~L nlbller ~ra nsiIGIti lld~taly dtscriptlve ~ ~~ ot bull prtlbrirv~ry ti~lt report WIIoS rlaquoJUsted fron tb~ l~r bvt rltrt reeelv~ at the tiM llf loMe of this ~hsL
Th ~rlllampil$ eJtill8te af Nuaratgtle 1111rkttlng tine for ampAlje~ p~rty eelriltl~ ~hh the rlcetlng tiM shgtlm Cfl tht frolttt pogo It also rntated In the roment section en the nOOIICI ~ of tile lj)lltafaal
If tho tlbletta sa b val~ Is difforant thoR tite Estltcf valtJe t1~ val~ 11Hl bt stated in th ~te~oocfl btftlrl seetlcn of en rahal lepartlf thet are tne u~~e Qnly tigtQ aa 1 wlu~ 11 atatodA buH4fllQ Uldbullr ()()MtructOn ar In gtelaquolt of rqraquolra cr slttratfcns ll rerplre tilbull 1Ettita of llltrrktt vatbull lth tho ~~at~ 1albftct te box beilll chckocl Stlt thbull bac~ ptge of the ~pFn~iaal repon bull tha infanrat1et~
he scrpe of tMt flrahal frtoOlvod data oollettlon frcn vtltOIJa =r~t ta-fdered to be roliotblltJ 001 ~~ gvarantetd tn~ltdirg bst Li11itld to llblQ r~rd infec-t~Ltfa obta(hed flllfl hi lol COInty re=derbull Offiee Tll~ ll4tbQJfd1 t~oc Dmar local ttJttfple tlng a~vice1 buyen setteramp alli real ~t4te brQI(tra tooflrnotion Uo$ mt by ~ros~-cfleckirg fnfcr111tion ~ith tilt rorcu ntiCIlld middotthe llt~tultamp ere then repoltld fn the QWItlprfiltamp lrxirtftr~ on the bullr1lrel~l rtpOtt o~ ldd~lho pr1Mry data liOWCH bullrot provided the grid sectfoo lltfllt ap4U parnlb A phy$1cll 1npect1cn of tht fnt~tlor Itd exterior of the tlbject lrwerty 111 corjucte at ldltcl e thbull Epllraiter urilt t~o projlOrty l c~~loolated tlte orproJf-te l(fJare foe~ of l lvfrg amptea lhe ~raiamper tiiEtl ltIIcentltbull by tho fret
middot~h of tho laquot~~p~~rlblbulls ~nd tekh~ lIOtlta as to tMfr a~rrlftt ~leltol claquoldhioo for wul~tioo of their aolitiCII 11t ti~~e of salt
lhlre lilt~ rtl 11gt0141 pcraorat ~rty ttllfiS f1Mtut or tnt~rgb~t 1t~4 1101 notrolly ccnoidere bull part at tho rl MUte 1ncltdiod in i)raisod vatue of tht Pject ~rty My porKIIIl pr~rty iJ ~rteltl ltgtn l ttparete a6teldJ
the trltferbulllg~ed awratr(a) preaergtt end eertlfy thlrt~ (4) tt1e BProfoal auig1-t ~bull nat bas-M lt401 reqJtHIII nfnilltJil Vlluatflaquol eel fie valoetlro or tre owrltml Of toanBl etpiO)Wit of the appraiser wu rltrt oorditlmed OJgttO the awrabel produeii1Q a ~poet fie Jot or 10 1111lut vithfn a givon r9hgiJ CClfuru~ ~~t h rtGt d~~t qlCll en apprlhal prQdJclng a speelfie vatubull (D) amprp~t gten~atlltn ard fvtue eoplCY)lOnt Ire r-ot lasod ~ llllt~ leon lpPlicttioo h tppro~ed ltElnetlgtor the awrats rar any pelt(tl ~itlt
JOrerahlp intbullr~bullt In the ~ tqllaying the Gwrainr b rtla~~ to or hoa allj Wttrship or cthltr tlnncal lnterost 1rt eitller lxlildeobulldcvbulliper aeLler buoftr ror~e bttl~or Ct rtlt~l estate lltQk~r~~rsa (or a~y ~nM relatod to any of dlltr) irrol~ed in tNir~ti~ f) ihfoh this appntisal luu ~ raq1estod or utth th the l()t recalt nle or ratlnancfrg or irtY ll(OltIIty usid u a lttr11bte praportylogt thh epp-alsal ard (I) th lp9raiser h not ~~~o~are of tllf f~cta lhiltfl uould dtaqu~ify the frtn bcdng deelt to btt rwfeponrlltlft epprehel far ~rjlltI~H of $ltJQtion ~4S of th~ oee A9lotloo AOgulatiCgtlo
The IAdersignoltS apprainrCgt) h~relr ~ogtknltgttl~ ancl ~rtify that t~ltsy ar fbullJll) qBltliod ard Ogtltpqtetlt ly their training boltlge amp rience to f)rforll thh appr~hbulll II ~fter acltejgttallle of the ~tlgtrahol IHS lggtMt ald dullng the OJru of cordtlct f rg the ~wr~isal FPrampisr diac011ero tllilt tnoy ore rot fully ~t~ to jgtdrfor th owraiulthe ~ta~r will OOrjgtly vlth tht Coopetency ~ravtslcn SPAr
=-~--middot--~~_-=---------------__~----------===middot~
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6020 lido lane long beach ca - Google Maps Page I of I
To see all the details that are visible on the screen use the Print link next to the map
the detail of the house caused its construction to be very high
10 The $350 per square foot charges include the building the decks deck
improvements expensive and custom cabinets in the kitchen and other areas including in the
garage wine cellar and darkroom electrical window coverings built-in sound system oversized
water heaters built-in bookshelves chandeliers carpeting and finishing
II Work that f completed and the per square foot cost did not include landscape and
hardscape boat dock appliances electronics furniture outside lighting or personal items
12 I can be available by telephone at 772-766-2057 should there be any further
questions concerning this infonnation
I declare under penalty of perjury under the laws of the State of California that the
foregoing is true and correct
Executed on b ---A 2014 at J~ro 1S each Florida
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2R
William Merrill
_C_J2_7C_1-L_~~_-1_3_25_-lt_6_1---------=~~-==--=---c---=--2--c------------~------------------middot-------------shy[)ECLARTIQJ OF ILLI~[11 [IERRILL
bull
$6]00000 $3150000
Ulnd Pure)lne eltDow COSt$
$1~83SOOO bull f2222
S917SOO rfiloOO
8vRdinamp lSOODOO 1150000
Archltt~ 2SOOOO 125000
Rel)~e 1110 docks exsand 220 volt31o to dockS
25000 LSOO
12500 7SO
Other bldJIIIIJ)ICvefllttnts 75000 37500
Rcplbullce deelc Whoanv cabinet
3SOOO 25001)
17500 125001
EltcbIQI blhlltts 2MOO 10000shy
Elewlal bllnlt bull dliltional 20000 10000
Sounds~um 1~~00 525~
Water ll~ters ~lnou in pra1~ Wllle cablno~ ill laquoIn
2500 7SOO Scent0
1250 37so-1
3150
Oarlaoom Cllblncts 12SIJO amplsomiddot
Are pk RepIa~ dOQil
usoo 2SOCjl) 1~~
lnrtellatiOl Wor 7SOOO 015
Reoli~ decla 200CO 1DOOO
Ellt~lnmellt anrer 15lt100 7SOO_
~n intor4St bull cwcuiUed -~tJXJ uUM aoo~lt asoo bull150 aurrst 100)0 SOOC Clunderers 28000 14000
~rpo~nt lCOO lOOO ~-Adl~~foom 12000 6000
Desk bull JYons room 9-SOO 4730
I(~ remodel 11000 middot019 Ctilinc b nc 6000 3000bull TeiQIIIOft bull oenlse room 3000 uoo Outslde~n SCOO 250(1
W~middotdi)H 11100 soo ~ndJiaplnc 50000 125000
- 0 U$500
Subtoal before homeowner eoemptlorgt 0
Homeowners ~vption sooooo 2~000
0
ToulcOrt llll771 0
middot5162771
--------------~~-- -middotmiddot---------~-
APPRAISAL REPORT
of
RESIDENTIAL HOME 6020 Lido Lane
Long Beach Ca 90803 Naples lsland
APPRAISED VALUE $3900000
PREPARED FOR
CHASE MANHATTAN FINANCrAL 3991 MacArthur Blvd Suite 200
N~~wport BE~ach Ca 92660 (714J 760-2671 FAX 760-6252
AS OF
September 23 1993
PRIPAREO BY
Dwyer Appraisal
Larry l Dwyer UcAR003464 Cortlllod Auldontlal RE ApprAitor
30011 Ivy Genn Drive Su1ta 123 Laguna Niguel Ca 92677
(714) 495-4567 FAX) 495middot2363
-----
middotmiddot
AREA CALCULATIONS SUMMARY LIVIN(fAR EA CALCULATIONS
A Area NarnD or Arlla Slza Totals Braallaquofcwn middot Subtotafa lt~ -~ 1bullgtR -
G[1 rirs 7middot1oor iISLOO n3-o ~ X 1400 2l1GDiil
htbulltiol St ill t Cll middot rfmiddotP70~ Hqza~ -50 -H9 25A l so
~ltgt enclobull~d Patio 4js1S US25 _ ~0 n 5o middotlH ~li tIIJIlWirt (A~i~ll_- Ul1cent0 llHOD -200 LDcent middot122 1)1)c -2 QC ~lll~ -l 0~A
l bull OQ ltmiddot middot5tao bull02 400L 200 ~ uoo 1G2 ~oc osl ~B )Q HoB
55~ X IIJ 24 2amp6 75L ~$0 X 4S so 1~1 ~ middotnA 600 X uso a onT I JSa us~ 16215
0 2 5D ua~ lCSSSO
N 1 DQ ~ Z7 10 2750
s -550 Hoo ~11100
-500 2lOU middot110D
Lllno__-----middot--middot-- l bulls2 ao
TOT1L LIVABLE (rounded) 2882 J _ middot~middot-middotmiddot bull
SKETCHAREA TABLE ADDENDUM liia No 3 2590 2
S llOfiOYIampICIIent
u ~~D~o~b~k~i~n~------------------~------------------------------------------1 Proptf1y iddr~Gs8
J 6020 Lido Lane E Cltv CoiJ~Iy Slate Zip Ccdbull
C~--L~o~n~~B~e~a~c~h~----------~L~o~a~A~n~e~l~e~s~----~C~a~middot----------------~9~0~8~0~3----~ T Andbullr
CHASE MANHATTAN FINANCIAL
nay1 1v1arliUl tH
~tl
t M Patiop A
t0 v e 3 Cltr SublmT~~ncun GruugooWino Ccllar M 1H AI E 3CJI IIa
N ~ r-a7bullT Ulil l s _- 10J
I btzr DliTlaans ubullK
E ~ -~1~
17
middot~ -U
T ~~r~~ H wtuc
H J j --- ~
= rr 1 i- il
ir lW
IC
Front of Propertybull
$0IE 11nth 18 Pampnt
M-rm r2(X)O
CAL~ULATIONS ADDENDvtVI Ale No 325902
=lrst l=loor (GIAt) Extamptlor Slalts (GLA1)
-~middot
A R E
ns~
-550
middot5 so -200
-200
aoo 100
oso ~ Ia
) 50
00
150
Hso too
-sso -soo
tbull
X X )(
)(
X X X X X X X X X )(
X X X
amp40~
IIJSO
uso noo noo 5100
~100
ta50
o uso uso uso uoo 2750
HOB
uoo )53 oo
lJlQ~D
-H9 25
~1na
middotUIOO
bulllZlOO
lOZOD
tD2 00
2125
tun 12H
Z1900
1UU
lOU$0
2750
bulllllOO
-tlOO
-tnoo
uoo X LOO oo
Totaf for Arna 298100 Total for Area llGOO
c A L c u l A T (
0 N s
Eneloaad Patio
400 X lG~SO X
30 X
(POR)
JO~O
110rt
20_0
middotmiddot
1200~
IOtfO
71 75shy
~sragujWtM C9llar bullmiddot (GAR)
H~Q X uoo 111)1 X uoo 1000 X loo Z400 X 100
1000 X 750
ucoo lHM
70LOQ
tUOO
1100
B R E A K D 0 w N
Total ror Aroa 4~625 Total for Area 133100
Paga I of I
SKETCHAREA TABLE ADDENDUM Fllolo 325902
S 8onvNbullrCIIan1 U Dobkin
Property Addrell 8 J 6020 Lido Lane
Ctty Cotlnty Stale Zip Cede
~~~--L~o~n~~B~e~a~c~h~------------=L~o~s~A~n~e~l~e~s~-----C~A~----------------~9~0~8~0-3~---lsndet
T Chase Manhattan Financial
ll
lie
2nd Level
~middot
aabull
A
UH
umiddot
I M p
0 R
v E M E
r s 3 lt = r i
$C~lE lfnch = 18fae
-middot ~t_~ ~middot AREA bALCULt TIONS
-4 ~middot SUMMARY
bull _middot ~ ~ LIVING 0REA CALCULATIONS
Ar~a Nama or Atea middotfoiais Subtotals
SIIICOJIS tloor
2tU so Y
middot ~~~middotao 2ll7~o
Bxtbullllor Stair-~~ cHon x us_o -lS175
~b To ll~lur jso~o vssa 50 ~l5L75
~Ck H~n~ 00 Spound SO 2~ 75
o~ck HI Z5 5 so o~o 264 75
PtDnt Daok 1000 IL90 ~ U$0
26SQ X JC~D
1-~middot X Jln~ 1 1
middot-middotmiddot bulll05Q X middotHso -2gtamp15
-uoo X n5 middot17Z ~0
-J so
-11~
X
X
oo lSo
-ll ~Q _u ~L oa ~ J uo _ oo 700 r 30 oo -21noo 100~ X lt oo bullt4LOG
---~--~middot--middot-middot--------
TOTAL LIVABLE (rounded) 2533J --~~ -shy ~~i~middotmiddot~middot_$-
~~middotmiddotmiddotmiddot gt-~ yo
CALCULATIONS ADDENDurv1
Flte 1o 325 9 0 2
Seoond Floor (GLA2) xterror Stairs (GIJ2)
nu X fSOQ 2H5Q 1100 X bulloc non middot550 X SQ -U4 75
bull554 X bullmiddotn bull1St 75
050 X Sl$0 Z375
sso X uo 2U75
nDO X UIO USD
250 X U50 ucu 10 X 3toa uo
-tftD X Hso ~27tU
ISOO )( uso -17250 bull]0 X p QQ -Jl 50
bull115 X L50 -~ ll
Total forArea 298188 Total for Araa QQOrJ
-~ middotc-imiddotOpatlToaglow (GLA) D$Ck middot~middot(POA)
oo X ]000 21000 1~50 X 1000 ~noo
J~OQ X ttoo HOQO
Total for Area 35000 Total for Arel 26500
~-middot Deck (PO~) front Oeck cPltRr middotmiddotmiddot
ll()C X s~so Ut~Q lZOG X tOQ uoo s ~u X zosc 112n too X so 2200
Totalfor Area ~ 29425 Total for Area middot 7000
A R E A
L
J
~
r I )
~ )
)
)
I
i
SKETCHAREA TABLE ADDENDUM FileNo 325902
S BommtCIIMI
J~--~D~o~b~k~i~n~----------------------------------------------------------------4l Prapampltly Addreta
J ~--~6~0~2~0~L~~~middotd~o~L~a~n~e~----~----------------~--------------~~~--~----~ Clly County Stille Zlp Code
~ ~--~L~o~n~~B~e~a~c~h~------~------~L~o~s~~A~n~e~l~e~s~------~C~A~-------------------9~0~8~0~3~_____ ltndetr Chase ~anhattan Financial
BayMarina
3 fi
3rd Level Upper Level
ll~
Front of Property
LIVING AREACALCUIATIONS Area
bull middototmiddot
Narri~Of Are~ ltmiddot
ar~takdowk ~
SUbtotara ~=-~--~7f middot1middot
GlAl rhlrbullt tlcoi 249487 111o tlSO ~2U25
Bdariot t~d = -931011 s oo 4 somiddot bulll2150
fnterLc~r ftaln -UlS sso d(SO -3$475
POR )rd rv~l frbull~ 2Hoa s~o Ho l61i 0 7S
lM Lavl De~k lt4 so so )lOQ l~4 00
150 X 25 oo 8~0
noo X 2J~~ HLO
-60~ llU -s~ no -~50 X 110 -JLSO
-s n~ X 5-S~ bull so
-115
uobull X
r
~so
7cent1) -middot )]
H2C
llo~ X Qo 19 00
1)~0 X lM -Hz~
TOTAL UVABLE (rounded)
FdtiIT nbullroJJ
CAL~ULATIONS ADDENDlslVI
llla No 3259 0 2
Third Floor GLA3 Exterior Stairs (GLA3)
2150 X 1150 22Hn 110~ X 900 I)(J
-~00 X _0 X uso uso
-l~bulln
-15415
~50 X U50 24$15 bullbull so X uoo J0400 J 50 X 1500 0750
17(10 X 2150 au so _co X nso uoo bull3~0 X bullbullbull o ~uso
-too X 550 -UScent
-175 X llo -Cll
110 1 X lDO lt2bull
Total fot Arel 248487 Total ror Area 9900
Interior Staln1 (GA3 arct LeVa~ Deck (POR
--middotmiddot middot bullmiddotmiddot-middot
I3 o X l$0 4125 J050 X 500 IUOO
JOO X noo 5100
Totat for Area 4725 Total for Area 23400
3rd Level Deck (POR)
11oo X a so lHbull iO
Total for Area t4450
t
Pogo 1 or 1
FcrothJxcct
Dwyer Appraisa[
PLAT MAP
reg
CALvULATIONS ADDENDurvl
Thftd Floor (QLA3 Exterior Stal01 (GIA3)
u~~ X u~o UU2~ llOfl- X oo 00
-~0 X uJo -U2~0
-~-~0 X UJQ -ntu s so X p so X middot~50 X
o l~ oo 2 oo
Hmiddot 10(00
Of~~
1700 X 2JU 3 so -Joo X 1$0 uoo -)SO X poo middotlSO
00 X $50 -H 50
bulllo75 X liO -su nobull X 10~ uu
Total for Area 249487 Total fat ArEII ggoo
lntarrotStalra (GlA3 3rd laval Oeck (FIORi ~if middotmiddot
u~o X l~o nH ]050 X 6 oo I~J 00
)00 X 1) oo Hoo
Total for Araa 4725 Total for Araa 23400
3rd Lgvsf Dock (POR middot
no~ X ~-middot0
Total for Area 14450
Dwyer Appraisal Praoor~v Dorhgttion Analvbulllbull UNIFORM RESIQENTIAl APPRAISAL REPORT foife No32~
middot-------1
middot~ Nole~ R1~ W IN t1tc1-l ~omJ~Wh11 ot chll ~ct~ad ut nK erhttred tlltW~ ~~ fbulloIOflbull
~ coiAMiNHlt 9Jbiost it Laat-lti the letwt sltlrt 11nla eottlt~r~ g~allty Htatiel ~HYhou~i rtlllmt
lrJruJze ll~Cil Fr-(RltCftsJ m-~~4middot~ bullHn lartb ~~ref lest Good Oampintenanct leveh Pltgtttooo=Lbull=---t
l shltooinQ I rbullLat61 ~~~---middot------~-----~-IJ ~SEiAlT~ AOOEI(WI f(]lt iDPTlregL_06TAlL~)
i oewrAAL oucmos EgtTfRIO~ QUMJbullTrQlf oiNOlllCIN DAampIIINT IIUIgtATlON ~ mt__ Mftfrofl tcrCr-el_ lllltb m___ bullmiddot~n ~- n ~ 0
SLCIIcu lhrgL__ amptfuNbullt e So 1b II F~ IIA cu COO - ~tUyen09___
T~IllatAnl ltaened middot- 3iSL-- Bet ~ Ctll~ Jl_______ VIIUbull ~--- []1 ~~~ 0U1Jft (91yhl Glrlr~bullo~ 1int~ Hgt_l ~mplrnp ~ Wltft ~-- ~n~O~middot- ~wll(~ Wtdoi11yenTfO ~~ on rtore laS_ bull IJL__~ I( --- 0~---____ P1QDP2Gd ltlrm _ e1111m1nt ~-_4ot-ed 011lbull~t poundntr ~-~-Y lpounds1- [i~----middot UMu lotfUtctillll amp-~ $crtcr-w ~ lffuttllm ~ Noted__ ~ -~ Erc11r (Nitltulltbulli
ADL lYra) 2 MbullrfuluH Heut 12middot----~--~JY~_IA~-----------~~JU~JA~---- ~~t~ ---shyrrrt ti Jt bull iY1U 1-2 NA WA IfA
-middot---=-------------~--------middot--------~middot-----------middotmiddotmiddot~--~middot---middot----middot----
--middot--~middot------middot--middot-----middotmiddot----------cmiddot-------~-------~---middot-------1 Dbull~reclbulllit~ttQtllrbull)llrltri4Mtlll(loj_tcf1oollt11itu~ottrQpobullhrw-Ko-t~nlhMkn-t bull~~t bulls Jn Gad_OVfratl ~tt~cp~~t 1tld~eit5 O
_$fflod Sflilrs bullr~ noted -~ubleo_t lrdicatEgt1 lus1s Mif)Qr then t~-t preamptir~~~~e-1 d tbull ih lAISor ie_ ~r(r01t J=tilt-fl ampnl FlflC8hiK~~t 110tgto1n tlre nru r~ Sypkally 1llartllteror~lttcrfrmt tj ne lxgtlltlbl due J~ t~ach cotoIUilHy irtfluco lhi bull ~middot Ld ~--q ro TgteOgtUr~b Lo eftqt on middot~ieets Vftlue or llrkamptelgtjtj Y Iiithin th Cs mr-lket~---t rJt~d mbulltktt CONfil~f4 td puw1hn01 in~ lrnlbullc(in Utbe-~ctlNltt trU r~udllQ foirn51~rtt Wrut tJtrd61ront tld (QK4uiYf amp~ft OONittai-~ j)_rla itabt__ amp ~)lt()bull bull4 rot pr~(ent fn th~ ~rM Silil9cta 1lrsotlng ttq lotlfd l_s in e~lt~amp of 6 trltrtrs h -~qr~ in thin r-cl9~ ~9 1idlt_i9 ~ri~~dly DJUQJlH~~ro qf~~itsbl~ fg htrl)tr gtricltlt WMbull ThlbulltJ~Yi~iftIA~t Rf~ ~middot thmllllum SltIJthem CUfomlb middot
Dwyer Appraisal
f w Ft~ll Mill- Ptnbull Mat lhl r f0Wt ICf ~bullhtHUent tnd OMe lpcNch fOff111111 In 1hJtbullbullot -middot-~-l (l)tt tlt~ are ft01t lllltSMll amp fllift bullbull ~l es fnf01111ltfm -~~---~-----~middotmiddotmiddot --~ shyby l~gtltal llltHdersconva~taltbull lgt~tn ~DEO Mlq~E~----
I f-qoy E-bullmiddotntlbullbull ~a8111$mies bull - bullbullbulld ~----~---llloo~n L1ll_sl81~ bull 1vlfl amptLmiddotr~t~ et lftw bullbull bullbullbullbullbull bull bull _ _pound1Clt=--i
~at A~bull-M lllr INO$dlt Wife bulllt~ Fuulbull Mtol
DMa bullr~tf~nfOtft M tr()lleo~~-1bull HVDNA PI~( ICampt1dbulldt1 0 Vbull 0 Ho Nbullnbull tl Wtrttnly llrampQIL
HNoapltlrtl lllEIU~-----~--~---------1 Wnnll C016tqe EIM
~DICiTeO VAlUF BY SAIES COMPAAJSON APPROACH bullbull bullbull bullbull bull bulloiCAUlJ VJIILU IIY 1~twt APiiOAIA r1 Ap~eitlt~ t1dMilN trl-fIUI ~ $ ___)j[lJ~--- ~ K Otbullbullbull rt1nt ~IIPihr N bull bull ----~---J NIIIPfrJiut it mamp no abull 0 bullutf~t ID tr tepti-1 IIIOtbulltic-INIf(litll 01 ro~lliorwllIM lnl~rW 0 EGM~bull~ IU plttlll ant
b IQCtthai It bKampIIfl~ IM bull~t r~qitorntt~tbull~ IN-vtllloKft-laMIAJ+11 tMJ~tf~eod~41111 tMMbullriramplt ltf-t 6trrnh~ ttwt Jbullawtampt~ In
] frrtA UUO amplor VA lrat~ilo~ J lrc~rt Mbull~hmiddotM UO ltfn iJ9tlfiftntiMKFrm 008 at-1~J Old11~~~~ 16__
1EI PI ~Tpound 111pound MIXH VALVC A9 Drlmpound0 OF tff SUillCT PADIt~lY A9 or ___sW~----middot~ ~~~ bullbulligto I
IMII -M4eletBJ hrn t(bull ttw ttICI CbullWltCI tNt I (we) Mlt~lllllyhtptctef ~tt uPtcl PI7Mrtr ba1h lltlde td4bull1T
thJ r-t~r lttNt lt-Mt I ~ ltttt la Vol$4knd ntt~r rf41$rlt cbull ~~~~IJt-~11yenbull hetn
PtY-pryen161~----------middot--- Omd Ooi1N~l 6r Jtgtll~bulltwl NA-JE ~~ PrsoM~
Dwyer Appraisal SALES COMPARISON ANALYSIS
IIC9
Dwyer Appraisal SAlES COMPARISON ANALYSIS
Dwyer Appraisal
----~----------------~iltNDJmiddot -~~~Do~bw~~in~--~--------- --------------middot-----------------------shy
~~~Q~L~i~d~ok~La~nwe~---------------------------------~~----~~ 5lt11lJmlg~ Cg~nlty Lof 6ngele_amp__~_____s2Jtn11 Ca 2jp Codo 9Q80l
Ltncfo CilASE MANHATTAN FINANCIAL C02
AOOITIONAL MARW DATA OOMMENTS
omparab~es H4 5 and 6 were s~leeted f~ the Lido Isle area of Ne~rt Beach Although Lldo Isle s substantiaLly further south ot subject the island of Lldo baa stmllar eharacterlselea is not ttad and eorudderad sllllilar in overall market appeal
Jmparable U4 and Co~rabla 6 are both very s~ltar to subject in livlrtg area and the large lot lre Their location on the island and their bay)hnbor vbv is vary tmilsr to 3Ubjeots Large ~just~enta W6re not nacessa~y and thaae to cnmparablea are given considerable weight
~~able 05 has tnferior lot utility as well as living area ~ich raquired adjustment but tha Law was couaiderad s1mlar All three opound theaa co~arablu reflect similar construction quality 1d we~allmiddot marlcet lppeal
lmparables 7 8 and 9 are the beat of eu~ant liatinta avallable on the Naplaa islan~ within ose prOltilllity to subject Although they reflect construction quality and conditiOn more similar 1 aubject their inferior lot si~es snd utilit7 at vsll as living area required substantial ljuatments Current llstings are fumfslud to demonat~ate the upper 1~t opound value for the tbjee~bulla nampiahborhood Adjustments 1n the grid section reflect the approximate sates to lat middottee pereentaga probull1lded by the local Multip~e Listing Sarvice
DNyer Appraisal
___fgJ~~lri Proa rtv Addrau ~ ld9 tBM -~middot County lolll~tt ___J~ Zie Clllt ~
LKndet ClUE ~~ltATTolll fiiWICtAL (JIQ
AIgtDINDUM TO APPRAISAL
Ojt 1 loeaud witlbullitl t~e city lln1t~ of ~ Bead) Callt~fa IOrll Seech h toutod llgtrodnaUly 239 nie$ ~h o1 lA~ Jgamplu the ~llty seu o1 10 lneles CCUty The pl9atnt J~QpJlat fQl o1 lAtl Bead h lllPIgtthattly COO vi thin It 4971 tlll~ lle~ lhe ci~y Is bGrdered laquo1 the U)rth by lampblootl the $dfltf1 by u Pacific Ooeltl tl14 Vet by Olr5Qrl Std Latlta lld the East by Sql bullad end los Al~ltoa (OriJQe toTJtygt tt ia eUo bordered en ~flo lleat by tfle lcni Beldt CT10) FrtltMtf tlo llorth by the Sen Dieogt middot-y lmiddot~) allll the Salt by tiM san ~lot Rlwr F-y (I-60$) OottVtlertt 1~y middot~-s II I hlcflly lrelgtlo ftaturo tor bullbullfdlnts otto ~rte t the a~bull
thougl1 the city Is plfnar1ly 11 ruldtntal tQOUfty a stbsturtlat prtl01 a1 lWld 11114 Hsllfved tor trdJstrlal ~iat lit( Dfflcbull rtldlltiJS u~o lfajlaquoo siqlflllll COIIpltxa are acated th~t tte ity Cbulllitorni State llnlwrslty Wid IDrg Belich City t6lloge ere bulleated ln toog ampMch amp~ill to loroer Prb ale SQItttrod tnrl)jgcJt the city far tile re~oation usa of the resldoota
e fident1~l ~Xltmnides bullrbull cha~ttertlect lfith a 111Xtlltll of restdlltialvi~s tqing fll arell oldt loxl frlllle airqlamp fenily ~as ta l11rger1 rltNOt1 ~ra ~rn trset t~ txbulltng wlli~h bullr~ ~~lble ciJo to tke 11o1t11tt aitt fnfucn~
lje-ct t Lacatod In tJo SCYtbeat coMer of ltng Be~cit in ao arM alown u Naplu llpl03 h an iamplencl In tl1e eorttr of e 10g Botsch rfna and 1a IICicnuble fr011 he Ean bullnd tloe lint by Sa=d Stlttlt
bull rntigbolflood OOil4itU of avetbilebullgood ~bullelHy 01111-thrltlltl story detadled houus rliIQitgtg 1n elze frltn 1100 to SOCO ~~ ftet -r aecltou h appiQKItoly thrlt111 niles tut nt Nifborlood ml~ good lntwnt llt~ela Scxgth WwiJ ald rtlatd Vi~es orbull ~tntly QcaUd to the p~rty tie botlrdarl of t1le nefgfilomood ~~ct~ld ~ tM hlsnd faelf
~ faUna ts a hidllY dtagtle Gnd pre3tfolcus pllcente to Ulltt ltm Its grtat locatm j pttgtltity to tte ~at=r Tte lota arrood tilamp 1bullifOlter ot th4 itnf havt tJc3t dock to tile Net liUh tM obtfty to 1c~tt 50bull60 +ya-tu Dnttra of th4se ~~ have dlre~~ eocua
thofr OOta fred the r~r af tht pfQletty will ch can thelt be Moiuted thJQUdh tho ~ l cut to the Pat Ifie Olelaquol the hmu lrltMd bull l)fgtrf~teter olIIO hlve ~llent vie~~S of t1e bly 1d eft) llihta For ruldmh COl 1nte~lot Lab 1t It ltny a lllort walk to llfll of tlw V4te bcl-et tr the tidents and tMbullM prtl to w~ llcmu cr1 fnterlor tot t)l)1colly r-arg= In 1181114 11011 $150reg to ~tn)r
e~ the por11Mter ~th llllter frcntiiJI tgtP1ealty r~r99 fiQ1 SVXOOCO )Igt StOOCOOI- Thbull t~ In the IJJH b tC71Mrd~ the rexJHdlrg Otititien to rrdor ccnptota HnOcletlng of all otdeJ heriot tile hond ampooQ tM gtltltfMUI odjKeot to thamp bllltld Th1a trend
~~ltthelt-- tile rtobilfty of Mrka~ lamplue$ in the aNa
Dwyer Appraisal
Filo No
_B2~ttSilpn1 COOle In
Pbullbulluru l~st 8l20 Lido L)) Cllpound~~cfl C~llL2~bullLa Uabull c 2Q~ltIdbull ~
~middot----lendbullr CHAS ttAHKTrAN FIIIANCIAL tW
ADDENDUM TO APPRAISAL
XTERIOR FEATURES rtOIIltlc (ltIn tbtrs) $prinkler ampy$Ctn tn jrllrlt amprr yafltlp
wltold amp gottd llfltry to tht front dltlor provd~ privacy at 1141 u a frcnt patio for lddhiltt111l fbullnctio-at utility oblld p lltltert in t~ frltnt amp r r yard 1sta1 dr111CIIIIY Ia nade of aalld flags~
~~ front porch is~ of solid fl~tONO
111r yard enoleooed ootith a~middot hi~ btoek ~lt Thh proYidlte9 aitiONJ~ ueurty li~t obstru~tlng tile bay vie~~
CJJbulltltlll luilt bullPI in tte frat QQ(Itt)llrd bull 11 patio bullnbull elso hu 1 bulltmiddotfn 18Vfi~ft
lttio a~s t~s tM r of 1lltJ- b llco(e of solid fl]ttltllo
rt of the riNr patio 1~ It CfMbullrltJd by ttl~ seoni lelto~ol dedc
~TERIOR FEATURES JIIIStDIIII ftcarlng In MtJY hltJllnlf I t~~ m thegt 1bullt Uvl 1 sCCIId lbullvbulll Is all 2~~qJare 1111rblt YilOltXf qJJotty eubulltat e~gtrprtitiQ th~ the root of th om Item h~~~ qUII ity Stow-oo ayttn tlulCIltt the ~
J Cfllllity hcurlt) syatern th~t Joillltfl ta dNgt~t disl to a sacu~lty JK~nltorl~ Jbullrv1 ce nt~t len shutters thr~ tcglt~thar wf th 6tioer CtJbulltOltI ulndr1t eowri~bullmiddot
etaold llV~IJl9 dl~t -t prflllr) rcons ord t~Llolllys
to 12 ooilirQS tb~ ltlOSt Of tho hi3e bullll~tbull ere ptaced bulltrateic~lty thrctllflalt taD IClWII mot41t~t tlvalgtool tht houso rn tfoe addltOfll bedJQOM JtiiIOfef Uo((frdle dltxgtrt rt is 1lao a Mp~Jrato wine ltollar gt1ich h tlle~tatiClltly t~rswro I ~lfrate taltrollcd h a lourdry chute fiOIf tl~ llpl)r tel(a) to the lalndry ~ ~~~ at t_ lCooer lemiddot~L
TCHEN ot~rtopamp In fctttMn are tolid ~rooite
itOOltI flco~iJ In kitclen i nd area
Jlll~ cOltok~ aU othe~ top ctlIQIty lilltes amp fl~t~res und In tnt ktt~ as OMlL as the bullbullbullt of tho hoobullbull amp il a ampefgt6rete fet at thbull kitchen sl~k for inseartt hot lllltiH
- is a mr~ 114kmiddottn jlllftry lttich h bull very ~lrabla fbullbullturt usUIlly fafd In larlts rn tMt t~
bulle h IJ lalge built-In ref~ig9flltalt-tob-zero 1reeter lith the front ps~elamp Mtchlrg Uo cablrgtlttJY I~ the kltclltn
lULV ROOM fQnfly rogtOfllllls its on firqJlace
STER BEDROOM amp BATH llll$ter gtlaquo110011 fs Vol) ~paclobull tltch fa a typieal fcatTJre for thi~ ~ amp ptloe ~of ro ~ h a sittlrq area or retret~ at ltgt1~ End of th~ lliISter beiroott taster bedRltln has ita firepllaquocentB lotlfch h triliiTed 1(111 norlle l~ tlt~ ftooriJ9 thJt1-IGhJt JMst~r bath rzi tlb in IllS ter bath 1 ampt-alor wt th clxibte shltloer hctado
h a t6r~ llalk-in cloet in bull~tr trooo 11tt~ buHtmiddotin orgbullniz amp ol-olve$ Le amrcqJI In rraquottor bllthCan
lNG ROOMDINING ROOM -o 12 ceHI~ in Uvl19 ~ tving roar h11 it 1$ Qllll ffrplate llttici a tr-fmoeltf uith rarblo ont co t~o dinllg roro thQr h a bar rem JJth e w$lkmiddotbehtrrl llH bgtr th~ 1aro1ly ftJoCt1 with a luilt-fn ref~t~rator amp fc Jor n stulptulOd c1rpetlrq in the livfhJ roato ard lldJont trca3
IA(E bull~biO n qood qtelity ~Llmiddotup rr- doors wHh liample dcor qJltn~rs bullilirqbull amp ~alls in the qgtragbull are finiohelti ot ~bullt~r ~tor hltla a rbullmiddotelrwlbulltlf ~ lottich plOIbulli~centamp notMt hgtt lf~ter to praoticany ort(tero t~ the hOJs~ 11t to tbe 90rigc la 8 ~tre cellar middot-et ba- liN 112 bllth
~-===~----
Dwyer Appraisal
-iUPt-~~JL__ lroarty 6lt1bull~11 (lRtJ lob le
~~altl Cauntv~~ sra~ C4 II a~e lalll Lande1 OIA$E rtNII4TfAN FIIWICW eolt1
ADOitNDUM TO APPRAISAL
lnal Reconciliation
bullr Nl$ llo 1blo Reccrd5 $~bjeot has nat ~euro11 ~fated or told tn the pKt 12 rrcntlts ampnd h nat pr~$llntly listed
te nat cttampttt bull~u activity tn touthHrt california II e11p1rfenoif9 Lilli ted aetlvh~ dUo to a tlt~gglah OltOOft lotile ptql~rty vallo$ pear to llttve lttoclfne tn eore 11rtas other etelt~t are ~~le $ tlaquoM areas hll aGtuelly lncnut fn vat~ A pertloular llef~barlold fVIf Prfmce lhat ~r$ to be Iii t~~ary cleltline fn ~talue ldoltrt nveral ~r-s 1eve an wgent nHd ta aell lara aU ~t1rq for thl middot111hed nlnigtor of bitter~ llll~gtfbble Thfa h -ftered to be bull telpOnoryo aftuatfcn lohfch will oorreet Itself 4hen tM tOIIIXIral) Ooert~ly ~ b ebtorbod amp detend fncr111nJn bull111~ Ioiii~ hllgtl~ txperferncd laljle orplO)lMt ~ffa or oloVte of lalfe renufacturi~ plllt1t e rtcwery petofod formiddotp~ty v1tlut $ thl stobHlzatlcn of ~lfmng Yll~ claquo~lltl be atttantloUyiClIQltr amp lOft sown thon tEIIIlOrsry
this CQldltfltll is ratld or ena arprmf~r h ~$rt of It I~ l$ ~tod en bo amplfSl8rat~ adclrldln Nrefn middot
thh 11sprabal anfgrncntcal4ful ~~IGltI ot all curlltrt Mrket dllta wu conafltlerod ~llfch inclLdcd analy~1a ot cu~rmt ll$tlngs penii~ les aa wll ~ tJqtrld and -l~ lhtt~ P~lng aales 1rot~ltlthn 1 gfvm ratkat ar~ can rerg in vamplue wbst~ietly ~lng lfv~rQ area rccn cortt anenlties ncltrlng view or lllcc ot Vflll and 1q~~ta ~ ~tfa1 lf there litre pending MlM ~tlfdl N aio~~llal to subject In ovtral~ rarket Ollll4St1 cne Of~ of thtsa ~fng sslobull Mite beelt fncl~ fn thh tltport rt there 1111r1 no liHir per-ding ales ptnd111J alet lhich ~ltere not silttlar Ore not Usqd lhe u o1 ranbulltlnf lor Mles ~oWld Tlt~qJire thm vn of excQsfva 1 etbjetiw adjus~s leodfog illes 11119 adequE~tely teflect curr41lt ltlrklot derltJltf ~Mingo les of ptepcrtles stnflar to stbject at fees l~r thlo rtelt closed sal are gfwn tho roampt lieigntPendfng 14~ laquo f~gtlltr ~rtles hil1ltr prt-1lt1 than r~t eland sales 1 g1v151 o~~fniMl wf~t sin- tie~bull fa bull poulbllftl tlllt thay ftlt nat clo~e aaerou for a VarfOU IIUber of reafiOM
led ales withfll thl jlolst 30~ drtt aramp IIOlt raLteble alllcento tMy hlrw ctOltHQ amp Urrt are -t recent II tllo ebtenca qf reltenC eloeed gtendfngo satu 111 ~mtyenab f CM~ llstlnga ws also ~~ted ~in thitrt 1M be a llidbull ta~ t valuoa -llllble tor Uatl~a far 1 lfll~ tf abooa llstrga prlcad out ltgtt llfoat ~rata be reailcrollbltt range of wlut Wllftt not ccnalderol ~ und In tht rtthey hlaquovtt btco adJusted to t-4 prebogtlt ~~Gmntlllit a1 Mlt ta liat pric es reparteltt by tile Local 1Jltiplamp ~ittliG Service Further iuatmnts aN then ~eased en teatur~a coodftlcn etcent Hfnltral ~tight h given to t fatfnga ampitgtU they tore clrly d~trate til ~ lfroft of value for PtQPa~ths tfllilar to Sllbjet~t ftOir stbjeets narlcat Gru ~ are hMfr tile ro~t CYrrllt deta a~~ampftabl~ If cne t110 lfetlrgs 1evt nat ~ inotude In thl$ rtp~rt fn lieu of peldiJ sale t I$ becaue~ tfl~u ~bull nane ampYallabl~ coosldotrod to ba 1flar to stbullbject 1Qn-slllllor properttampS IIQIIld agin rltUir~ tM u- ot egtltltauw ZII1CIor Oj~t altljuatts tl1cn ckfeet th~ p~rpase Or bull eo~rabte t~lamp middot
middotmiddot====== =======~=--~----middot---bullmiddotmiddot-----middotmiddotmiddotmiddotmiddot~middotN---middotmiddotmiddot
FotbullN 32590~ DEFINITION OF MARKET VALUPIhe mott probaWo pric~ which amiddotpraporty ohOltifd brlnqin e bullampolfdve bull~d opbullnmorlltel undor ~~ conditions requltitbull to 11 loir oolo tho buyer ancl eampllor eech bullbull1ino prudently knltHYiodgubly and usurntng tht prloo Ebull not eHOlttAd bv undUltI inwus lmJ)iiclt In thlr dofini1lon the ltltgtMUmtn~tion ol bull af IPIltlifled deto Dnd thl poaslng or tidt ltom bullaJiar co buyer under oon4itlont wh~ttobY (1) buyor and wolltr ero Lyploanv motlvalltld 421 both panJsl art wnll infom~ed or 1dYid bullnd uch acting In who ha eonsidorbull M1t awn bs~t lntereot Ill bull roaaorlbullblo timamp is nllowod lor poevroln tho Ol)llt mabullbtl (41 lIY ibull medo in torms of ~bullbullh lrl u $ dollarbull 01 In tturno or flnonolel ~1111810nts oornp~rlbfo thereto artd (5) thogt ptlco lipiUIIItl rho normal caideratiltJn lor tha prop$ry aotd unefftc~od lly spociBI ot eroatlve nnancfng or ur ooWluslona bull granCed lly envone asbull soclarlld with the bullnit
bull Ad)ubulllmampolto to the acmp~roamplot mu~t be mede f~l 8ptclelat cres1iV9 finannlng or tlt~loa ooAonsiltgt~ No sdjuWYents bullrbull nao~orv
for tlto oo9t9 which ato 11ormally peid bv ttllilre 11 bull roeult ar trtdltlon or lew ln bull mrkot arbullbulll Ultse coots arerudlly ld911UII11No tlflus tht 1sller peya tMtt oootl In Yirtually ell eltlet tr~ntaotiant SPJclel ot orutlv liMnolng adU~tmontt can bt rnocle to the oommiddot plrable proportv ily aomptlisont to financing termbull offered by a third psrty instituric~lllandor thai io not afmtdv lnvclvad In tht propshyortv or trantecrlon Any Olltfjua~tnent aPtould not bm talaulartd on 1 meltgthbullnloel dollor for dollsr cabullt of tho ilnsnclng or oltmcot~lon but th~ dollar amtount of anv ad)ubulltmont ehtould apprlgtlCimato tht Markatbull rltbullaotlon to thl tlnonclnltr or ccncetlone baood on th~ onJ~Ufjorbull judgmeot
CltRTlFICATION AND STATEMENT OF LIMITING CONDITrONS CERTIFICATlON Thl Apprlliter ~artlllampbull ana reea thogtt
1 The Appr~llttr lult M prou11t or contemplollbulld futlire intorebulll in tJoe prcpbulllllbullpprlitampltl ~ncMithar lhs omJ)JO(mont to mako lite oppraluf nor he oom~~uutlon lor It Ia oantlngenf upon tho ejlpi~lbullad value of ho prGperrmiddotr
~ Thbull Apprmbullor hebull no paortallnter~al In or bias wfth repaot to th~ eubjogtet mtlter ol tho apptolool repo~ or tho pnr11clpanto 10 th oalo Tho eetlmlltt or Mor~at Vo11e In the lljlpraiul roport Iamp not ba~ In whola or In palt llpon the reco color or natlcn-lcHgin of thbull prcapoclfiM owMrs or ooouponl8 ol thapropJrlf eppralsod or u)on the taon ocor or notional origin of tho praunt ownoro or oocupantbull ol lito propartioe In t~ vfclnll( of rh~ IHGporty apprafbullad
3 Tho Appralttr hoe l)oroan~lly lntpeotad Utltl propwrty bolh lnaldbull ttnd a~r arltl ~ madbull an ooxurlot in1ptc1tan af ell cwnperehla bull~les ~~tod In lhfl npott To thbull but ctf tht Apprelearbull knowtodol~ sfd Hillel alt stttemenlbull and lnfarmotloh fn th~ roport 114 truo and bullbullmtal ~rtt tJe Apprel~ar h8t noc knovrngy wltllhtld ohV algnlneal1t lnfltJtrnatlon
4 All conlll~tnt end limiting ~ond1tlortt arbull GontalogtoJd hotoln limosbulld hy the termbull ol tha eoolgnmanl or by the LondtroiQnod olteotlngtlia anofJliOt Gplnloflt oond oonaluaonbull conralnad rn tha Fei)Ogtrlt
5 TNbull opproiulltpart has boon made In ~bullmforiTlty with ond Is oubreo( to tht ttqulr11lt1ampnto of tho Codamp of Pr~fassfanal Ethics end Stoinltlltls of Prolaolianal Conduort or thG bullpprnlssl GIQampnlznlant vmiddotlth whloh ~ha Al)rnlut Is afflneiad
8 All ooncluiliono end oplnlont concorrlno tlbulloo tatl aotbulltbull thst ort tet rarlflln tho apprUnl report ware prepari hv 1M Appralur whoto olgnoturo ooppoa on thltl ~tpproJI raport unlbullbullbull IMloatood a 11avltw Appralosr No ohenga of any Item 11 tho eppriiU~I t~port bullhall be mod~ by anyono othtt tluln ho Apptofnr ftnd lhamp Apprsleer ahall havo na rotponJbillly fer anv uah lttnouthodzed
ohbull~middot
CONTlNGllNT AND LIMITING CONDIIIOffil lt4rtlfialfllon of the Appraiser ~pp~lt~rtn11 In tM orppralsar roport Is subjaot to tna folfowlng oondttlons end to euoh other opecolrlo bullnciiiNJUng oondiHons u era aet forth bv Uo Ap(ltJieor in t~o rtport
1 The 1ppriHaer ~null4m M rslgtonslblijty for matte- of a legal neru affaotlng tha propampfV apptols~d or chbull titlt thbullrot~ not dcos tho Appralnr r~nltUt ~ny opinion bullbull to the tltlo whfh Is ftbull~m~d to bt good and matketnbt6 Tloa property appr41Ud es thouq h under tsspoleJbhbull ownerohfp
2 Anv tlltatoft In tlto r~tport may bullllow spproodmor~ dlmof$lona end fs lnolltlad Ia anlst th~ nad~r In oisuolfltlnQ th~ prop4ny 1M Apprsi~or hu made no svrvoy af tho proporly
a Thbull Appralosr io not qulrsd to ~lvamp tobulltiotiOl 01 appear in aouri bo~bullJIH of having m8damp thl appro1aal with ref~ ranco to Ute praportv in quetUcn unlaso arretlgemoobull ~avbull bbullon prlhi~raly mad OJ tftltmbullfor
4 Any dlbullttlbution of thltr valuation In lite rampport betwoen land nnd lmprovamtnts appfisf only urgtfar the malng prog~m af utiJI~otion The s-oparatbull valua11onbull tor lltnd ond b~lldlng tnuft not b~ Uliltld frt conjOncrioM with ShV aliter eppralslli and era invgtlld If to Uftd
5 Tha Appralut i~Jsumeo that thora ate no hlddon or un~ppsunt condlclono of thbull pt~p~ny eubactl ot strucntramp~ which waufd rendor It moro or lass vai1Jabi4 Tho Apprefs~r asournbullu 110 roponelblll1y tor tltr~h ctnditicent~bull or fM anglnaampring which rri~kt be required to discover auch fftctDn
8 Information ampS1iltnatet end o-piniont lurnlshed ra llta Apprai9et bullnd contained in tiN toport w~re obtornod hom ourebs oonsldmiddot orod reliolgtlo trd lgtnrtavad to bt truo and oorrect Howevar no rooponslbllitv fcrecrlllampey of eucl lome furnfohad tho Appraiser can bo BUUmod bv the Awrllsorr
1 Olactosuro of lite oontampnr oltho approJool ramppcrt fa gorned by 1ho9 Bvfbullwa ampnd fle~ul~1ions of rho protasnlonel ~pprohel orgbullnlshyl~tlona with which tno Ai=Pltbull~Gr is ~ffilialltd middot
4 Nafthor bullh nor bullny pert o( the CltltfG11 of tho tt~art Ot ~apy thet~of lincludino conolorolont oo to tho prop~~y vnfubull the identity of tnlt~ Approoor prohbulloiansl dlt~bulliglttlons r$loronc~ to ony jlrofQoslegtnill epplllal organiadono tho firm with which lho Approlnt ia connncttd) slutlt be u~od lot nny purpo~ lgty nnyoM but tho errant ~pooltl~d In tha repor tho bol~wor If approitol lu pnld by ~ovne tho mor1qo~aa or h$ Rtocurs erol nort)no morrgo~o lluurort conouitant profuofonsl dppraisef argnnllailtlmt any l~te or fllltlofllly optotovod finenol lne~tutian lny d~rgtbullrtmont agoncv or inttrumontaHy of doe Unt81 State9 or ~ny bullbull 01 lht Oishlot of Colutnbi~ without tfoe proviouo1 wrltttll oon~snt of tlo Approioar nobull bullhoU It bbull convbullvbulld by anyon~ to thbull Pltthll~ thiltlugh 8d~artiaibullltJ public rampIIIICiona news~ stflf or ocflor mbulldia wftfl)lft the writt111n CCnlont tl1id opprobull1d of Ula Appt~Sl~u~r
9 On 5iJ CJPDrehilll$ $Ubject to ~ldetactory cotnplrttlon rnparl or alt~ra1iDI9) thn epornlsnl -JCIrt ~~gtllf - ~r--~lt1slon Utl conHnmiddot gllnt upon coflyen1amption ol lho lflrevel)entl Ia a wnrkmanlik$ m-omr1Gr
BORROWER Dobkin
PROPERTY 6fl2() Lfdo Lnne rottr lleach ca 90803
Appraloorlbulll
YAioNbull~ FbullrrJt- MoM ~-m41~JULU-1 Fltlfm 1co~ n JJ~ 8~11
Dwyer Appraisal
Ftre No )illQ2_
~UP~~~~--------~-----------------~------------------------------------~p~~~ll~~~~e------middot----middot~------------------------------------~~---middotmiddot-----
f--Citv I~ Seilt~ CCUQ1 ~~middotlu---------~---~2i p_Codo_90ll3ltgt=-----~-__ Londer alASpound ~HioiTAii fUHltI~L tll27
AlPJlAISBi ClmTIFICAIIONS amp COMPLIANCE lllTH FIRRA REQUIREMFNlS
bull The puiJl1lle of thif f)Pgttlul b to estlllato hlr Harket Value as cleflnol In tho attamplthiod FHLK( fern 4J9of tt- bullbltrle deo~ribed real ~rty lhia appllliwt 1s f9r thamp SGt and txcl~ntv u1e of the ~e described ~~Cl l~tbull
lhta eAOreiL nay bo ~bulltd for federally ftlated rort~ lcall prrpous $bject to title XI o1 tho FIMnbullfbulll Insettuttcns Rtfon r~E~Wr) EllfGltcanetot Act of 1989 (IIAA61) The 1Mers1~ oppralter(a) aekrQtledg= ~flet thoy have rMd end Ydarstand tle Utfor arlfard$ of Proloslotw~l ~alool Prectf 1USIP 1 at they ~tocl end y bt atltndod 110lt1 tlre to tiM by thamp twrbullhal StIWdartfs gtard of the 4fgttaisal fonlatton ~rrl u trplenbted by IIOd 1nco~rsted fnto the oce (Off1oe of the CAlrtptrctltr of thamp Currency) ~Uqulatmiddot gtIU 1hla llgtrisampl QOIII)l with ilCC RegJlationt PSgtlt1 tfgte tlnl10~JI $tarderltls of Prof-teN~ P~cttca (IJSPtP)
the legal dorlptl011 9f tile prltlf)erty u ~on t~~ fi((t ~ of tMt t~R~rataal regtainod frm tha cnnty teK uunws riOOIds
middot ot-r ~rltgtd 11hlch ort eotiQred to ~ relloble- but Mt liJ(Irlltltoed Tho tot atgtd trs~t n~ lldar the aueuara par~L nlbller ~ra nsiIGIti lld~taly dtscriptlve ~ ~~ ot bull prtlbrirv~ry ti~lt report WIIoS rlaquoJUsted fron tb~ l~r bvt rltrt reeelv~ at the tiM llf loMe of this ~hsL
Th ~rlllampil$ eJtill8te af Nuaratgtle 1111rkttlng tine for ampAlje~ p~rty eelriltl~ ~hh the rlcetlng tiM shgtlm Cfl tht frolttt pogo It also rntated In the roment section en the nOOIICI ~ of tile lj)lltafaal
If tho tlbletta sa b val~ Is difforant thoR tite Estltcf valtJe t1~ val~ 11Hl bt stated in th ~te~oocfl btftlrl seetlcn of en rahal lepartlf thet are tne u~~e Qnly tigtQ aa 1 wlu~ 11 atatodA buH4fllQ Uldbullr ()()MtructOn ar In gtelaquolt of rqraquolra cr slttratfcns ll rerplre tilbull 1Ettita of llltrrktt vatbull lth tho ~~at~ 1albftct te box beilll chckocl Stlt thbull bac~ ptge of the ~pFn~iaal repon bull tha infanrat1et~
he scrpe of tMt flrahal frtoOlvod data oollettlon frcn vtltOIJa =r~t ta-fdered to be roliotblltJ 001 ~~ gvarantetd tn~ltdirg bst Li11itld to llblQ r~rd infec-t~Ltfa obta(hed flllfl hi lol COInty re=derbull Offiee Tll~ ll4tbQJfd1 t~oc Dmar local ttJttfple tlng a~vice1 buyen setteramp alli real ~t4te brQI(tra tooflrnotion Uo$ mt by ~ros~-cfleckirg fnfcr111tion ~ith tilt rorcu ntiCIlld middotthe llt~tultamp ere then repoltld fn the QWItlprfiltamp lrxirtftr~ on the bullr1lrel~l rtpOtt o~ ldd~lho pr1Mry data liOWCH bullrot provided the grid sectfoo lltfllt ap4U parnlb A phy$1cll 1npect1cn of tht fnt~tlor Itd exterior of the tlbject lrwerty 111 corjucte at ldltcl e thbull Epllraiter urilt t~o projlOrty l c~~loolated tlte orproJf-te l(fJare foe~ of l lvfrg amptea lhe ~raiamper tiiEtl ltIIcentltbull by tho fret
middot~h of tho laquot~~p~~rlblbulls ~nd tekh~ lIOtlta as to tMfr a~rrlftt ~leltol claquoldhioo for wul~tioo of their aolitiCII 11t ti~~e of salt
lhlre lilt~ rtl 11gt0141 pcraorat ~rty ttllfiS f1Mtut or tnt~rgb~t 1t~4 1101 notrolly ccnoidere bull part at tho rl MUte 1ncltdiod in i)raisod vatue of tht Pject ~rty My porKIIIl pr~rty iJ ~rteltl ltgtn l ttparete a6teldJ
the trltferbulllg~ed awratr(a) preaergtt end eertlfy thlrt~ (4) tt1e BProfoal auig1-t ~bull nat bas-M lt401 reqJtHIII nfnilltJil Vlluatflaquol eel fie valoetlro or tre owrltml Of toanBl etpiO)Wit of the appraiser wu rltrt oorditlmed OJgttO the awrabel produeii1Q a ~poet fie Jot or 10 1111lut vithfn a givon r9hgiJ CClfuru~ ~~t h rtGt d~~t qlCll en apprlhal prQdJclng a speelfie vatubull (D) amprp~t gten~atlltn ard fvtue eoplCY)lOnt Ire r-ot lasod ~ llllt~ leon lpPlicttioo h tppro~ed ltElnetlgtor the awrats rar any pelt(tl ~itlt
JOrerahlp intbullr~bullt In the ~ tqllaying the Gwrainr b rtla~~ to or hoa allj Wttrship or cthltr tlnncal lnterost 1rt eitller lxlildeobulldcvbulliper aeLler buoftr ror~e bttl~or Ct rtlt~l estate lltQk~r~~rsa (or a~y ~nM relatod to any of dlltr) irrol~ed in tNir~ti~ f) ihfoh this appntisal luu ~ raq1estod or utth th the l()t recalt nle or ratlnancfrg or irtY ll(OltIIty usid u a lttr11bte praportylogt thh epp-alsal ard (I) th lp9raiser h not ~~~o~are of tllf f~cta lhiltfl uould dtaqu~ify the frtn bcdng deelt to btt rwfeponrlltlft epprehel far ~rjlltI~H of $ltJQtion ~4S of th~ oee A9lotloo AOgulatiCgtlo
The IAdersignoltS apprainrCgt) h~relr ~ogtknltgttl~ ancl ~rtify that t~ltsy ar fbullJll) qBltliod ard Ogtltpqtetlt ly their training boltlge amp rience to f)rforll thh appr~hbulll II ~fter acltejgttallle of the ~tlgtrahol IHS lggtMt ald dullng the OJru of cordtlct f rg the ~wr~isal FPrampisr diac011ero tllilt tnoy ore rot fully ~t~ to jgtdrfor th owraiulthe ~ta~r will OOrjgtly vlth tht Coopetency ~ravtslcn SPAr
=-~--middot--~~_-=---------------__~----------===middot~
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1
~imiddot ~ middot
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6020 lido lane long beach ca - Google Maps Page I of I
To see all the details that are visible on the screen use the Print link next to the map
bull
$6]00000 $3150000
Ulnd Pure)lne eltDow COSt$
$1~83SOOO bull f2222
S917SOO rfiloOO
8vRdinamp lSOODOO 1150000
Archltt~ 2SOOOO 125000
Rel)~e 1110 docks exsand 220 volt31o to dockS
25000 LSOO
12500 7SO
Other bldJIIIIJ)ICvefllttnts 75000 37500
Rcplbullce deelc Whoanv cabinet
3SOOO 25001)
17500 125001
EltcbIQI blhlltts 2MOO 10000shy
Elewlal bllnlt bull dliltional 20000 10000
Sounds~um 1~~00 525~
Water ll~ters ~lnou in pra1~ Wllle cablno~ ill laquoIn
2500 7SOO Scent0
1250 37so-1
3150
Oarlaoom Cllblncts 12SIJO amplsomiddot
Are pk RepIa~ dOQil
usoo 2SOCjl) 1~~
lnrtellatiOl Wor 7SOOO 015
Reoli~ decla 200CO 1DOOO
Ellt~lnmellt anrer 15lt100 7SOO_
~n intor4St bull cwcuiUed -~tJXJ uUM aoo~lt asoo bull150 aurrst 100)0 SOOC Clunderers 28000 14000
~rpo~nt lCOO lOOO ~-Adl~~foom 12000 6000
Desk bull JYons room 9-SOO 4730
I(~ remodel 11000 middot019 Ctilinc b nc 6000 3000bull TeiQIIIOft bull oenlse room 3000 uoo Outslde~n SCOO 250(1
W~middotdi)H 11100 soo ~ndJiaplnc 50000 125000
- 0 U$500
Subtoal before homeowner eoemptlorgt 0
Homeowners ~vption sooooo 2~000
0
ToulcOrt llll771 0
middot5162771
--------------~~-- -middotmiddot---------~-
APPRAISAL REPORT
of
RESIDENTIAL HOME 6020 Lido Lane
Long Beach Ca 90803 Naples lsland
APPRAISED VALUE $3900000
PREPARED FOR
CHASE MANHATTAN FINANCrAL 3991 MacArthur Blvd Suite 200
N~~wport BE~ach Ca 92660 (714J 760-2671 FAX 760-6252
AS OF
September 23 1993
PRIPAREO BY
Dwyer Appraisal
Larry l Dwyer UcAR003464 Cortlllod Auldontlal RE ApprAitor
30011 Ivy Genn Drive Su1ta 123 Laguna Niguel Ca 92677
(714) 495-4567 FAX) 495middot2363
-----
middotmiddot
AREA CALCULATIONS SUMMARY LIVIN(fAR EA CALCULATIONS
A Area NarnD or Arlla Slza Totals Braallaquofcwn middot Subtotafa lt~ -~ 1bullgtR -
G[1 rirs 7middot1oor iISLOO n3-o ~ X 1400 2l1GDiil
htbulltiol St ill t Cll middot rfmiddotP70~ Hqza~ -50 -H9 25A l so
~ltgt enclobull~d Patio 4js1S US25 _ ~0 n 5o middotlH ~li tIIJIlWirt (A~i~ll_- Ul1cent0 llHOD -200 LDcent middot122 1)1)c -2 QC ~lll~ -l 0~A
l bull OQ ltmiddot middot5tao bull02 400L 200 ~ uoo 1G2 ~oc osl ~B )Q HoB
55~ X IIJ 24 2amp6 75L ~$0 X 4S so 1~1 ~ middotnA 600 X uso a onT I JSa us~ 16215
0 2 5D ua~ lCSSSO
N 1 DQ ~ Z7 10 2750
s -550 Hoo ~11100
-500 2lOU middot110D
Lllno__-----middot--middot-- l bulls2 ao
TOT1L LIVABLE (rounded) 2882 J _ middot~middot-middotmiddot bull
SKETCHAREA TABLE ADDENDUM liia No 3 2590 2
S llOfiOYIampICIIent
u ~~D~o~b~k~i~n~------------------~------------------------------------------1 Proptf1y iddr~Gs8
J 6020 Lido Lane E Cltv CoiJ~Iy Slate Zip Ccdbull
C~--L~o~n~~B~e~a~c~h~----------~L~o~a~A~n~e~l~e~s~----~C~a~middot----------------~9~0~8~0~3----~ T Andbullr
CHASE MANHATTAN FINANCIAL
nay1 1v1arliUl tH
~tl
t M Patiop A
t0 v e 3 Cltr SublmT~~ncun GruugooWino Ccllar M 1H AI E 3CJI IIa
N ~ r-a7bullT Ulil l s _- 10J
I btzr DliTlaans ubullK
E ~ -~1~
17
middot~ -U
T ~~r~~ H wtuc
H J j --- ~
= rr 1 i- il
ir lW
IC
Front of Propertybull
$0IE 11nth 18 Pampnt
M-rm r2(X)O
CAL~ULATIONS ADDENDvtVI Ale No 325902
=lrst l=loor (GIAt) Extamptlor Slalts (GLA1)
-~middot
A R E
ns~
-550
middot5 so -200
-200
aoo 100
oso ~ Ia
) 50
00
150
Hso too
-sso -soo
tbull
X X )(
)(
X X X X X X X X X )(
X X X
amp40~
IIJSO
uso noo noo 5100
~100
ta50
o uso uso uso uoo 2750
HOB
uoo )53 oo
lJlQ~D
-H9 25
~1na
middotUIOO
bulllZlOO
lOZOD
tD2 00
2125
tun 12H
Z1900
1UU
lOU$0
2750
bulllllOO
-tlOO
-tnoo
uoo X LOO oo
Totaf for Arna 298100 Total for Area llGOO
c A L c u l A T (
0 N s
Eneloaad Patio
400 X lG~SO X
30 X
(POR)
JO~O
110rt
20_0
middotmiddot
1200~
IOtfO
71 75shy
~sragujWtM C9llar bullmiddot (GAR)
H~Q X uoo 111)1 X uoo 1000 X loo Z400 X 100
1000 X 750
ucoo lHM
70LOQ
tUOO
1100
B R E A K D 0 w N
Total ror Aroa 4~625 Total for Area 133100
Paga I of I
SKETCHAREA TABLE ADDENDUM Fllolo 325902
S 8onvNbullrCIIan1 U Dobkin
Property Addrell 8 J 6020 Lido Lane
Ctty Cotlnty Stale Zip Cede
~~~--L~o~n~~B~e~a~c~h~------------=L~o~s~A~n~e~l~e~s~-----C~A~----------------~9~0~8~0-3~---lsndet
T Chase Manhattan Financial
ll
lie
2nd Level
~middot
aabull
A
UH
umiddot
I M p
0 R
v E M E
r s 3 lt = r i
$C~lE lfnch = 18fae
-middot ~t_~ ~middot AREA bALCULt TIONS
-4 ~middot SUMMARY
bull _middot ~ ~ LIVING 0REA CALCULATIONS
Ar~a Nama or Atea middotfoiais Subtotals
SIIICOJIS tloor
2tU so Y
middot ~~~middotao 2ll7~o
Bxtbullllor Stair-~~ cHon x us_o -lS175
~b To ll~lur jso~o vssa 50 ~l5L75
~Ck H~n~ 00 Spound SO 2~ 75
o~ck HI Z5 5 so o~o 264 75
PtDnt Daok 1000 IL90 ~ U$0
26SQ X JC~D
1-~middot X Jln~ 1 1
middot-middotmiddot bulll05Q X middotHso -2gtamp15
-uoo X n5 middot17Z ~0
-J so
-11~
X
X
oo lSo
-ll ~Q _u ~L oa ~ J uo _ oo 700 r 30 oo -21noo 100~ X lt oo bullt4LOG
---~--~middot--middot-middot--------
TOTAL LIVABLE (rounded) 2533J --~~ -shy ~~i~middotmiddot~middot_$-
~~middotmiddotmiddotmiddot gt-~ yo
CALCULATIONS ADDENDurv1
Flte 1o 325 9 0 2
Seoond Floor (GLA2) xterror Stairs (GIJ2)
nu X fSOQ 2H5Q 1100 X bulloc non middot550 X SQ -U4 75
bull554 X bullmiddotn bull1St 75
050 X Sl$0 Z375
sso X uo 2U75
nDO X UIO USD
250 X U50 ucu 10 X 3toa uo
-tftD X Hso ~27tU
ISOO )( uso -17250 bull]0 X p QQ -Jl 50
bull115 X L50 -~ ll
Total forArea 298188 Total for Araa QQOrJ
-~ middotc-imiddotOpatlToaglow (GLA) D$Ck middot~middot(POA)
oo X ]000 21000 1~50 X 1000 ~noo
J~OQ X ttoo HOQO
Total for Area 35000 Total for Arel 26500
~-middot Deck (PO~) front Oeck cPltRr middotmiddotmiddot
ll()C X s~so Ut~Q lZOG X tOQ uoo s ~u X zosc 112n too X so 2200
Totalfor Area ~ 29425 Total for Area middot 7000
A R E A
L
J
~
r I )
~ )
)
)
I
i
SKETCHAREA TABLE ADDENDUM FileNo 325902
S BommtCIIMI
J~--~D~o~b~k~i~n~----------------------------------------------------------------4l Prapampltly Addreta
J ~--~6~0~2~0~L~~~middotd~o~L~a~n~e~----~----------------~--------------~~~--~----~ Clly County Stille Zlp Code
~ ~--~L~o~n~~B~e~a~c~h~------~------~L~o~s~~A~n~e~l~e~s~------~C~A~-------------------9~0~8~0~3~_____ ltndetr Chase ~anhattan Financial
BayMarina
3 fi
3rd Level Upper Level
ll~
Front of Property
LIVING AREACALCUIATIONS Area
bull middototmiddot
Narri~Of Are~ ltmiddot
ar~takdowk ~
SUbtotara ~=-~--~7f middot1middot
GlAl rhlrbullt tlcoi 249487 111o tlSO ~2U25
Bdariot t~d = -931011 s oo 4 somiddot bulll2150
fnterLc~r ftaln -UlS sso d(SO -3$475
POR )rd rv~l frbull~ 2Hoa s~o Ho l61i 0 7S
lM Lavl De~k lt4 so so )lOQ l~4 00
150 X 25 oo 8~0
noo X 2J~~ HLO
-60~ llU -s~ no -~50 X 110 -JLSO
-s n~ X 5-S~ bull so
-115
uobull X
r
~so
7cent1) -middot )]
H2C
llo~ X Qo 19 00
1)~0 X lM -Hz~
TOTAL UVABLE (rounded)
FdtiIT nbullroJJ
CAL~ULATIONS ADDENDlslVI
llla No 3259 0 2
Third Floor GLA3 Exterior Stairs (GLA3)
2150 X 1150 22Hn 110~ X 900 I)(J
-~00 X _0 X uso uso
-l~bulln
-15415
~50 X U50 24$15 bullbull so X uoo J0400 J 50 X 1500 0750
17(10 X 2150 au so _co X nso uoo bull3~0 X bullbullbull o ~uso
-too X 550 -UScent
-175 X llo -Cll
110 1 X lDO lt2bull
Total fot Arel 248487 Total ror Area 9900
Interior Staln1 (GA3 arct LeVa~ Deck (POR
--middotmiddot middot bullmiddotmiddot-middot
I3 o X l$0 4125 J050 X 500 IUOO
JOO X noo 5100
Totat for Area 4725 Total for Area 23400
3rd Level Deck (POR)
11oo X a so lHbull iO
Total for Area t4450
t
Pogo 1 or 1
FcrothJxcct
Dwyer Appraisa[
PLAT MAP
reg
CALvULATIONS ADDENDurvl
Thftd Floor (QLA3 Exterior Stal01 (GIA3)
u~~ X u~o UU2~ llOfl- X oo 00
-~0 X uJo -U2~0
-~-~0 X UJQ -ntu s so X p so X middot~50 X
o l~ oo 2 oo
Hmiddot 10(00
Of~~
1700 X 2JU 3 so -Joo X 1$0 uoo -)SO X poo middotlSO
00 X $50 -H 50
bulllo75 X liO -su nobull X 10~ uu
Total for Area 249487 Total fat ArEII ggoo
lntarrotStalra (GlA3 3rd laval Oeck (FIORi ~if middotmiddot
u~o X l~o nH ]050 X 6 oo I~J 00
)00 X 1) oo Hoo
Total for Araa 4725 Total for Araa 23400
3rd Lgvsf Dock (POR middot
no~ X ~-middot0
Total for Area 14450
Dwyer Appraisal Praoor~v Dorhgttion Analvbulllbull UNIFORM RESIQENTIAl APPRAISAL REPORT foife No32~
middot-------1
middot~ Nole~ R1~ W IN t1tc1-l ~omJ~Wh11 ot chll ~ct~ad ut nK erhttred tlltW~ ~~ fbulloIOflbull
~ coiAMiNHlt 9Jbiost it Laat-lti the letwt sltlrt 11nla eottlt~r~ g~allty Htatiel ~HYhou~i rtlllmt
lrJruJze ll~Cil Fr-(RltCftsJ m-~~4middot~ bullHn lartb ~~ref lest Good Oampintenanct leveh Pltgtttooo=Lbull=---t
l shltooinQ I rbullLat61 ~~~---middot------~-----~-IJ ~SEiAlT~ AOOEI(WI f(]lt iDPTlregL_06TAlL~)
i oewrAAL oucmos EgtTfRIO~ QUMJbullTrQlf oiNOlllCIN DAampIIINT IIUIgtATlON ~ mt__ Mftfrofl tcrCr-el_ lllltb m___ bullmiddot~n ~- n ~ 0
SLCIIcu lhrgL__ amptfuNbullt e So 1b II F~ IIA cu COO - ~tUyen09___
T~IllatAnl ltaened middot- 3iSL-- Bet ~ Ctll~ Jl_______ VIIUbull ~--- []1 ~~~ 0U1Jft (91yhl Glrlr~bullo~ 1int~ Hgt_l ~mplrnp ~ Wltft ~-- ~n~O~middot- ~wll(~ Wtdoi11yenTfO ~~ on rtore laS_ bull IJL__~ I( --- 0~---____ P1QDP2Gd ltlrm _ e1111m1nt ~-_4ot-ed 011lbull~t poundntr ~-~-Y lpounds1- [i~----middot UMu lotfUtctillll amp-~ $crtcr-w ~ lffuttllm ~ Noted__ ~ -~ Erc11r (Nitltulltbulli
ADL lYra) 2 MbullrfuluH Heut 12middot----~--~JY~_IA~-----------~~JU~JA~---- ~~t~ ---shyrrrt ti Jt bull iY1U 1-2 NA WA IfA
-middot---=-------------~--------middot--------~middot-----------middotmiddotmiddot~--~middot---middot----middot----
--middot--~middot------middot--middot-----middotmiddot----------cmiddot-------~-------~---middot-------1 Dbull~reclbulllit~ttQtllrbull)llrltri4Mtlll(loj_tcf1oollt11itu~ottrQpobullhrw-Ko-t~nlhMkn-t bull~~t bulls Jn Gad_OVfratl ~tt~cp~~t 1tld~eit5 O
_$fflod Sflilrs bullr~ noted -~ubleo_t lrdicatEgt1 lus1s Mif)Qr then t~-t preamptir~~~~e-1 d tbull ih lAISor ie_ ~r(r01t J=tilt-fl ampnl FlflC8hiK~~t 110tgto1n tlre nru r~ Sypkally 1llartllteror~lttcrfrmt tj ne lxgtlltlbl due J~ t~ach cotoIUilHy irtfluco lhi bull ~middot Ld ~--q ro TgteOgtUr~b Lo eftqt on middot~ieets Vftlue or llrkamptelgtjtj Y Iiithin th Cs mr-lket~---t rJt~d mbulltktt CONfil~f4 td puw1hn01 in~ lrnlbullc(in Utbe-~ctlNltt trU r~udllQ foirn51~rtt Wrut tJtrd61ront tld (QK4uiYf amp~ft OONittai-~ j)_rla itabt__ amp ~)lt()bull bull4 rot pr~(ent fn th~ ~rM Silil9cta 1lrsotlng ttq lotlfd l_s in e~lt~amp of 6 trltrtrs h -~qr~ in thin r-cl9~ ~9 1idlt_i9 ~ri~~dly DJUQJlH~~ro qf~~itsbl~ fg htrl)tr gtricltlt WMbull ThlbulltJ~Yi~iftIA~t Rf~ ~middot thmllllum SltIJthem CUfomlb middot
Dwyer Appraisal
f w Ft~ll Mill- Ptnbull Mat lhl r f0Wt ICf ~bullhtHUent tnd OMe lpcNch fOff111111 In 1hJtbullbullot -middot-~-l (l)tt tlt~ are ft01t lllltSMll amp fllift bullbull ~l es fnf01111ltfm -~~---~-----~middotmiddotmiddot --~ shyby l~gtltal llltHdersconva~taltbull lgt~tn ~DEO Mlq~E~----
I f-qoy E-bullmiddotntlbullbull ~a8111$mies bull - bullbullbulld ~----~---llloo~n L1ll_sl81~ bull 1vlfl amptLmiddotr~t~ et lftw bullbull bullbullbullbullbull bull bull _ _pound1Clt=--i
~at A~bull-M lllr INO$dlt Wife bulllt~ Fuulbull Mtol
DMa bullr~tf~nfOtft M tr()lleo~~-1bull HVDNA PI~( ICampt1dbulldt1 0 Vbull 0 Ho Nbullnbull tl Wtrttnly llrampQIL
HNoapltlrtl lllEIU~-----~--~---------1 Wnnll C016tqe EIM
~DICiTeO VAlUF BY SAIES COMPAAJSON APPROACH bullbull bullbull bullbull bull bulloiCAUlJ VJIILU IIY 1~twt APiiOAIA r1 Ap~eitlt~ t1dMilN trl-fIUI ~ $ ___)j[lJ~--- ~ K Otbullbullbull rt1nt ~IIPihr N bull bull ----~---J NIIIPfrJiut it mamp no abull 0 bullutf~t ID tr tepti-1 IIIOtbulltic-INIf(litll 01 ro~lliorwllIM lnl~rW 0 EGM~bull~ IU plttlll ant
b IQCtthai It bKampIIfl~ IM bull~t r~qitorntt~tbull~ IN-vtllloKft-laMIAJ+11 tMJ~tf~eod~41111 tMMbullriramplt ltf-t 6trrnh~ ttwt Jbullawtampt~ In
] frrtA UUO amplor VA lrat~ilo~ J lrc~rt Mbull~hmiddotM UO ltfn iJ9tlfiftntiMKFrm 008 at-1~J Old11~~~~ 16__
1EI PI ~Tpound 111pound MIXH VALVC A9 Drlmpound0 OF tff SUillCT PADIt~lY A9 or ___sW~----middot~ ~~~ bullbulligto I
IMII -M4eletBJ hrn t(bull ttw ttICI CbullWltCI tNt I (we) Mlt~lllllyhtptctef ~tt uPtcl PI7Mrtr ba1h lltlde td4bull1T
thJ r-t~r lttNt lt-Mt I ~ ltttt la Vol$4knd ntt~r rf41$rlt cbull ~~~~IJt-~11yenbull hetn
PtY-pryen161~----------middot--- Omd Ooi1N~l 6r Jtgtll~bulltwl NA-JE ~~ PrsoM~
Dwyer Appraisal SALES COMPARISON ANALYSIS
IIC9
Dwyer Appraisal SAlES COMPARISON ANALYSIS
Dwyer Appraisal
----~----------------~iltNDJmiddot -~~~Do~bw~~in~--~--------- --------------middot-----------------------shy
~~~Q~L~i~d~ok~La~nwe~---------------------------------~~----~~ 5lt11lJmlg~ Cg~nlty Lof 6ngele_amp__~_____s2Jtn11 Ca 2jp Codo 9Q80l
Ltncfo CilASE MANHATTAN FINANCIAL C02
AOOITIONAL MARW DATA OOMMENTS
omparab~es H4 5 and 6 were s~leeted f~ the Lido Isle area of Ne~rt Beach Although Lldo Isle s substantiaLly further south ot subject the island of Lldo baa stmllar eharacterlselea is not ttad and eorudderad sllllilar in overall market appeal
Jmparable U4 and Co~rabla 6 are both very s~ltar to subject in livlrtg area and the large lot lre Their location on the island and their bay)hnbor vbv is vary tmilsr to 3Ubjeots Large ~just~enta W6re not nacessa~y and thaae to cnmparablea are given considerable weight
~~able 05 has tnferior lot utility as well as living area ~ich raquired adjustment but tha Law was couaiderad s1mlar All three opound theaa co~arablu reflect similar construction quality 1d we~allmiddot marlcet lppeal
lmparables 7 8 and 9 are the beat of eu~ant liatinta avallable on the Naplaa islan~ within ose prOltilllity to subject Although they reflect construction quality and conditiOn more similar 1 aubject their inferior lot si~es snd utilit7 at vsll as living area required substantial ljuatments Current llstings are fumfslud to demonat~ate the upper 1~t opound value for the tbjee~bulla nampiahborhood Adjustments 1n the grid section reflect the approximate sates to lat middottee pereentaga probull1lded by the local Multip~e Listing Sarvice
DNyer Appraisal
___fgJ~~lri Proa rtv Addrau ~ ld9 tBM -~middot County lolll~tt ___J~ Zie Clllt ~
LKndet ClUE ~~ltATTolll fiiWICtAL (JIQ
AIgtDINDUM TO APPRAISAL
Ojt 1 loeaud witlbullitl t~e city lln1t~ of ~ Bead) Callt~fa IOrll Seech h toutod llgtrodnaUly 239 nie$ ~h o1 lA~ Jgamplu the ~llty seu o1 10 lneles CCUty The pl9atnt J~QpJlat fQl o1 lAtl Bead h lllPIgtthattly COO vi thin It 4971 tlll~ lle~ lhe ci~y Is bGrdered laquo1 the U)rth by lampblootl the $dfltf1 by u Pacific Ooeltl tl14 Vet by Olr5Qrl Std Latlta lld the East by Sql bullad end los Al~ltoa (OriJQe toTJtygt tt ia eUo bordered en ~flo lleat by tfle lcni Beldt CT10) FrtltMtf tlo llorth by the Sen Dieogt middot-y lmiddot~) allll the Salt by tiM san ~lot Rlwr F-y (I-60$) OottVtlertt 1~y middot~-s II I hlcflly lrelgtlo ftaturo tor bullbullfdlnts otto ~rte t the a~bull
thougl1 the city Is plfnar1ly 11 ruldtntal tQOUfty a stbsturtlat prtl01 a1 lWld 11114 Hsllfved tor trdJstrlal ~iat lit( Dfflcbull rtldlltiJS u~o lfajlaquoo siqlflllll COIIpltxa are acated th~t tte ity Cbulllitorni State llnlwrslty Wid IDrg Belich City t6lloge ere bulleated ln toog ampMch amp~ill to loroer Prb ale SQItttrod tnrl)jgcJt the city far tile re~oation usa of the resldoota
e fident1~l ~Xltmnides bullrbull cha~ttertlect lfith a 111Xtlltll of restdlltialvi~s tqing fll arell oldt loxl frlllle airqlamp fenily ~as ta l11rger1 rltNOt1 ~ra ~rn trset t~ txbulltng wlli~h bullr~ ~~lble ciJo to tke 11o1t11tt aitt fnfucn~
lje-ct t Lacatod In tJo SCYtbeat coMer of ltng Be~cit in ao arM alown u Naplu llpl03 h an iamplencl In tl1e eorttr of e 10g Botsch rfna and 1a IICicnuble fr011 he Ean bullnd tloe lint by Sa=d Stlttlt
bull rntigbolflood OOil4itU of avetbilebullgood ~bullelHy 01111-thrltlltl story detadled houus rliIQitgtg 1n elze frltn 1100 to SOCO ~~ ftet -r aecltou h appiQKItoly thrlt111 niles tut nt Nifborlood ml~ good lntwnt llt~ela Scxgth WwiJ ald rtlatd Vi~es orbull ~tntly QcaUd to the p~rty tie botlrdarl of t1le nefgfilomood ~~ct~ld ~ tM hlsnd faelf
~ faUna ts a hidllY dtagtle Gnd pre3tfolcus pllcente to Ulltt ltm Its grtat locatm j pttgtltity to tte ~at=r Tte lota arrood tilamp 1bullifOlter ot th4 itnf havt tJc3t dock to tile Net liUh tM obtfty to 1c~tt 50bull60 +ya-tu Dnttra of th4se ~~ have dlre~~ eocua
thofr OOta fred the r~r af tht pfQletty will ch can thelt be Moiuted thJQUdh tho ~ l cut to the Pat Ifie Olelaquol the hmu lrltMd bull l)fgtrf~teter olIIO hlve ~llent vie~~S of t1e bly 1d eft) llihta For ruldmh COl 1nte~lot Lab 1t It ltny a lllort walk to llfll of tlw V4te bcl-et tr the tidents and tMbullM prtl to w~ llcmu cr1 fnterlor tot t)l)1colly r-arg= In 1181114 11011 $150reg to ~tn)r
e~ the por11Mter ~th llllter frcntiiJI tgtP1ealty r~r99 fiQ1 SVXOOCO )Igt StOOCOOI- Thbull t~ In the IJJH b tC71Mrd~ the rexJHdlrg Otititien to rrdor ccnptota HnOcletlng of all otdeJ heriot tile hond ampooQ tM gtltltfMUI odjKeot to thamp bllltld Th1a trend
~~ltthelt-- tile rtobilfty of Mrka~ lamplue$ in the aNa
Dwyer Appraisal
Filo No
_B2~ttSilpn1 COOle In
Pbullbulluru l~st 8l20 Lido L)) Cllpound~~cfl C~llL2~bullLa Uabull c 2Q~ltIdbull ~
~middot----lendbullr CHAS ttAHKTrAN FIIIANCIAL tW
ADDENDUM TO APPRAISAL
XTERIOR FEATURES rtOIIltlc (ltIn tbtrs) $prinkler ampy$Ctn tn jrllrlt amprr yafltlp
wltold amp gottd llfltry to tht front dltlor provd~ privacy at 1141 u a frcnt patio for lddhiltt111l fbullnctio-at utility oblld p lltltert in t~ frltnt amp r r yard 1sta1 dr111CIIIIY Ia nade of aalld flags~
~~ front porch is~ of solid fl~tONO
111r yard enoleooed ootith a~middot hi~ btoek ~lt Thh proYidlte9 aitiONJ~ ueurty li~t obstru~tlng tile bay vie~~
CJJbulltltlll luilt bullPI in tte frat QQ(Itt)llrd bull 11 patio bullnbull elso hu 1 bulltmiddotfn 18Vfi~ft
lttio a~s t~s tM r of 1lltJ- b llco(e of solid fl]ttltllo
rt of the riNr patio 1~ It CfMbullrltJd by ttl~ seoni lelto~ol dedc
~TERIOR FEATURES JIIIStDIIII ftcarlng In MtJY hltJllnlf I t~~ m thegt 1bullt Uvl 1 sCCIId lbullvbulll Is all 2~~qJare 1111rblt YilOltXf qJJotty eubulltat e~gtrprtitiQ th~ the root of th om Item h~~~ qUII ity Stow-oo ayttn tlulCIltt the ~
J Cfllllity hcurlt) syatern th~t Joillltfl ta dNgt~t disl to a sacu~lty JK~nltorl~ Jbullrv1 ce nt~t len shutters thr~ tcglt~thar wf th 6tioer CtJbulltOltI ulndr1t eowri~bullmiddot
etaold llV~IJl9 dl~t -t prflllr) rcons ord t~Llolllys
to 12 ooilirQS tb~ ltlOSt Of tho hi3e bullll~tbull ere ptaced bulltrateic~lty thrctllflalt taD IClWII mot41t~t tlvalgtool tht houso rn tfoe addltOfll bedJQOM JtiiIOfef Uo((frdle dltxgtrt rt is 1lao a Mp~Jrato wine ltollar gt1ich h tlle~tatiClltly t~rswro I ~lfrate taltrollcd h a lourdry chute fiOIf tl~ llpl)r tel(a) to the lalndry ~ ~~~ at t_ lCooer lemiddot~L
TCHEN ot~rtopamp In fctttMn are tolid ~rooite
itOOltI flco~iJ In kitclen i nd area
Jlll~ cOltok~ aU othe~ top ctlIQIty lilltes amp fl~t~res und In tnt ktt~ as OMlL as the bullbullbullt of tho hoobullbull amp il a ampefgt6rete fet at thbull kitchen sl~k for inseartt hot lllltiH
- is a mr~ 114kmiddottn jlllftry lttich h bull very ~lrabla fbullbullturt usUIlly fafd In larlts rn tMt t~
bulle h IJ lalge built-In ref~ig9flltalt-tob-zero 1reeter lith the front ps~elamp Mtchlrg Uo cablrgtlttJY I~ the kltclltn
lULV ROOM fQnfly rogtOfllllls its on firqJlace
STER BEDROOM amp BATH llll$ter gtlaquo110011 fs Vol) ~paclobull tltch fa a typieal fcatTJre for thi~ ~ amp ptloe ~of ro ~ h a sittlrq area or retret~ at ltgt1~ End of th~ lliISter beiroott taster bedRltln has ita firepllaquocentB lotlfch h triliiTed 1(111 norlle l~ tlt~ ftooriJ9 thJt1-IGhJt JMst~r bath rzi tlb in IllS ter bath 1 ampt-alor wt th clxibte shltloer hctado
h a t6r~ llalk-in cloet in bull~tr trooo 11tt~ buHtmiddotin orgbullniz amp ol-olve$ Le amrcqJI In rraquottor bllthCan
lNG ROOMDINING ROOM -o 12 ceHI~ in Uvl19 ~ tving roar h11 it 1$ Qllll ffrplate llttici a tr-fmoeltf uith rarblo ont co t~o dinllg roro thQr h a bar rem JJth e w$lkmiddotbehtrrl llH bgtr th~ 1aro1ly ftJoCt1 with a luilt-fn ref~t~rator amp fc Jor n stulptulOd c1rpetlrq in the livfhJ roato ard lldJont trca3
IA(E bull~biO n qood qtelity ~Llmiddotup rr- doors wHh liample dcor qJltn~rs bullilirqbull amp ~alls in the qgtragbull are finiohelti ot ~bullt~r ~tor hltla a rbullmiddotelrwlbulltlf ~ lottich plOIbulli~centamp notMt hgtt lf~ter to praoticany ort(tero t~ the hOJs~ 11t to tbe 90rigc la 8 ~tre cellar middot-et ba- liN 112 bllth
~-===~----
Dwyer Appraisal
-iUPt-~~JL__ lroarty 6lt1bull~11 (lRtJ lob le
~~altl Cauntv~~ sra~ C4 II a~e lalll Lande1 OIA$E rtNII4TfAN FIIWICW eolt1
ADOitNDUM TO APPRAISAL
lnal Reconciliation
bullr Nl$ llo 1blo Reccrd5 $~bjeot has nat ~euro11 ~fated or told tn the pKt 12 rrcntlts ampnd h nat pr~$llntly listed
te nat cttampttt bull~u activity tn touthHrt california II e11p1rfenoif9 Lilli ted aetlvh~ dUo to a tlt~gglah OltOOft lotile ptql~rty vallo$ pear to llttve lttoclfne tn eore 11rtas other etelt~t are ~~le $ tlaquoM areas hll aGtuelly lncnut fn vat~ A pertloular llef~barlold fVIf Prfmce lhat ~r$ to be Iii t~~ary cleltline fn ~talue ldoltrt nveral ~r-s 1eve an wgent nHd ta aell lara aU ~t1rq for thl middot111hed nlnigtor of bitter~ llll~gtfbble Thfa h -ftered to be bull telpOnoryo aftuatfcn lohfch will oorreet Itself 4hen tM tOIIIXIral) Ooert~ly ~ b ebtorbod amp detend fncr111nJn bull111~ Ioiii~ hllgtl~ txperferncd laljle orplO)lMt ~ffa or oloVte of lalfe renufacturi~ plllt1t e rtcwery petofod formiddotp~ty v1tlut $ thl stobHlzatlcn of ~lfmng Yll~ claquo~lltl be atttantloUyiClIQltr amp lOft sown thon tEIIIlOrsry
this CQldltfltll is ratld or ena arprmf~r h ~$rt of It I~ l$ ~tod en bo amplfSl8rat~ adclrldln Nrefn middot
thh 11sprabal anfgrncntcal4ful ~~IGltI ot all curlltrt Mrket dllta wu conafltlerod ~llfch inclLdcd analy~1a ot cu~rmt ll$tlngs penii~ les aa wll ~ tJqtrld and -l~ lhtt~ P~lng aales 1rot~ltlthn 1 gfvm ratkat ar~ can rerg in vamplue wbst~ietly ~lng lfv~rQ area rccn cortt anenlties ncltrlng view or lllcc ot Vflll and 1q~~ta ~ ~tfa1 lf there litre pending MlM ~tlfdl N aio~~llal to subject In ovtral~ rarket Ollll4St1 cne Of~ of thtsa ~fng sslobull Mite beelt fncl~ fn thh tltport rt there 1111r1 no liHir per-ding ales ptnd111J alet lhich ~ltere not silttlar Ore not Usqd lhe u o1 ranbulltlnf lor Mles ~oWld Tlt~qJire thm vn of excQsfva 1 etbjetiw adjus~s leodfog illes 11119 adequE~tely teflect curr41lt ltlrklot derltJltf ~Mingo les of ptepcrtles stnflar to stbject at fees l~r thlo rtelt closed sal are gfwn tho roampt lieigntPendfng 14~ laquo f~gtlltr ~rtles hil1ltr prt-1lt1 than r~t eland sales 1 g1v151 o~~fniMl wf~t sin- tie~bull fa bull poulbllftl tlllt thay ftlt nat clo~e aaerou for a VarfOU IIUber of reafiOM
led ales withfll thl jlolst 30~ drtt aramp IIOlt raLteble alllcento tMy hlrw ctOltHQ amp Urrt are -t recent II tllo ebtenca qf reltenC eloeed gtendfngo satu 111 ~mtyenab f CM~ llstlnga ws also ~~ted ~in thitrt 1M be a llidbull ta~ t valuoa -llllble tor Uatl~a far 1 lfll~ tf abooa llstrga prlcad out ltgtt llfoat ~rata be reailcrollbltt range of wlut Wllftt not ccnalderol ~ und In tht rtthey hlaquovtt btco adJusted to t-4 prebogtlt ~~Gmntlllit a1 Mlt ta liat pric es reparteltt by tile Local 1Jltiplamp ~ittliG Service Further iuatmnts aN then ~eased en teatur~a coodftlcn etcent Hfnltral ~tight h given to t fatfnga ampitgtU they tore clrly d~trate til ~ lfroft of value for PtQPa~ths tfllilar to Sllbjet~t ftOir stbjeets narlcat Gru ~ are hMfr tile ro~t CYrrllt deta a~~ampftabl~ If cne t110 lfetlrgs 1evt nat ~ inotude In thl$ rtp~rt fn lieu of peldiJ sale t I$ becaue~ tfl~u ~bull nane ampYallabl~ coosldotrod to ba 1flar to stbullbject 1Qn-slllllor properttampS IIQIIld agin rltUir~ tM u- ot egtltltauw ZII1CIor Oj~t altljuatts tl1cn ckfeet th~ p~rpase Or bull eo~rabte t~lamp middot
middotmiddot====== =======~=--~----middot---bullmiddotmiddot-----middotmiddotmiddotmiddotmiddot~middotN---middotmiddotmiddot
FotbullN 32590~ DEFINITION OF MARKET VALUPIhe mott probaWo pric~ which amiddotpraporty ohOltifd brlnqin e bullampolfdve bull~d opbullnmorlltel undor ~~ conditions requltitbull to 11 loir oolo tho buyer ancl eampllor eech bullbull1ino prudently knltHYiodgubly and usurntng tht prloo Ebull not eHOlttAd bv undUltI inwus lmJ)iiclt In thlr dofini1lon the ltltgtMUmtn~tion ol bull af IPIltlifled deto Dnd thl poaslng or tidt ltom bullaJiar co buyer under oon4itlont wh~ttobY (1) buyor and wolltr ero Lyploanv motlvalltld 421 both panJsl art wnll infom~ed or 1dYid bullnd uch acting In who ha eonsidorbull M1t awn bs~t lntereot Ill bull roaaorlbullblo timamp is nllowod lor poevroln tho Ol)llt mabullbtl (41 lIY ibull medo in torms of ~bullbullh lrl u $ dollarbull 01 In tturno or flnonolel ~1111810nts oornp~rlbfo thereto artd (5) thogt ptlco lipiUIIItl rho normal caideratiltJn lor tha prop$ry aotd unefftc~od lly spociBI ot eroatlve nnancfng or ur ooWluslona bull granCed lly envone asbull soclarlld with the bullnit
bull Ad)ubulllmampolto to the acmp~roamplot mu~t be mede f~l 8ptclelat cres1iV9 finannlng or tlt~loa ooAonsiltgt~ No sdjuWYents bullrbull nao~orv
for tlto oo9t9 which ato 11ormally peid bv ttllilre 11 bull roeult ar trtdltlon or lew ln bull mrkot arbullbulll Ultse coots arerudlly ld911UII11No tlflus tht 1sller peya tMtt oootl In Yirtually ell eltlet tr~ntaotiant SPJclel ot orutlv liMnolng adU~tmontt can bt rnocle to the oommiddot plrable proportv ily aomptlisont to financing termbull offered by a third psrty instituric~lllandor thai io not afmtdv lnvclvad In tht propshyortv or trantecrlon Any Olltfjua~tnent aPtould not bm talaulartd on 1 meltgthbullnloel dollor for dollsr cabullt of tho ilnsnclng or oltmcot~lon but th~ dollar amtount of anv ad)ubulltmont ehtould apprlgtlCimato tht Markatbull rltbullaotlon to thl tlnonclnltr or ccncetlone baood on th~ onJ~Ufjorbull judgmeot
CltRTlFICATION AND STATEMENT OF LIMITING CONDITrONS CERTIFICATlON Thl Apprlliter ~artlllampbull ana reea thogtt
1 The Appr~llttr lult M prou11t or contemplollbulld futlire intorebulll in tJoe prcpbulllllbullpprlitampltl ~ncMithar lhs omJ)JO(mont to mako lite oppraluf nor he oom~~uutlon lor It Ia oantlngenf upon tho ejlpi~lbullad value of ho prGperrmiddotr
~ Thbull Apprmbullor hebull no paortallnter~al In or bias wfth repaot to th~ eubjogtet mtlter ol tho apptolool repo~ or tho pnr11clpanto 10 th oalo Tho eetlmlltt or Mor~at Vo11e In the lljlpraiul roport Iamp not ba~ In whola or In palt llpon the reco color or natlcn-lcHgin of thbull prcapoclfiM owMrs or ooouponl8 ol thapropJrlf eppralsod or u)on the taon ocor or notional origin of tho praunt ownoro or oocupantbull ol lito propartioe In t~ vfclnll( of rh~ IHGporty apprafbullad
3 Tho Appralttr hoe l)oroan~lly lntpeotad Utltl propwrty bolh lnaldbull ttnd a~r arltl ~ madbull an ooxurlot in1ptc1tan af ell cwnperehla bull~les ~~tod In lhfl npott To thbull but ctf tht Apprelearbull knowtodol~ sfd Hillel alt stttemenlbull and lnfarmotloh fn th~ roport 114 truo and bullbullmtal ~rtt tJe Apprel~ar h8t noc knovrngy wltllhtld ohV algnlneal1t lnfltJtrnatlon
4 All conlll~tnt end limiting ~ond1tlortt arbull GontalogtoJd hotoln limosbulld hy the termbull ol tha eoolgnmanl or by the LondtroiQnod olteotlngtlia anofJliOt Gplnloflt oond oonaluaonbull conralnad rn tha Fei)Ogtrlt
5 TNbull opproiulltpart has boon made In ~bullmforiTlty with ond Is oubreo( to tht ttqulr11lt1ampnto of tho Codamp of Pr~fassfanal Ethics end Stoinltlltls of Prolaolianal Conduort or thG bullpprnlssl GIQampnlznlant vmiddotlth whloh ~ha Al)rnlut Is afflneiad
8 All ooncluiliono end oplnlont concorrlno tlbulloo tatl aotbulltbull thst ort tet rarlflln tho apprUnl report ware prepari hv 1M Appralur whoto olgnoturo ooppoa on thltl ~tpproJI raport unlbullbullbull IMloatood a 11avltw Appralosr No ohenga of any Item 11 tho eppriiU~I t~port bullhall be mod~ by anyono othtt tluln ho Apptofnr ftnd lhamp Apprsleer ahall havo na rotponJbillly fer anv uah lttnouthodzed
ohbull~middot
CONTlNGllNT AND LIMITING CONDIIIOffil lt4rtlfialfllon of the Appraiser ~pp~lt~rtn11 In tM orppralsar roport Is subjaot to tna folfowlng oondttlons end to euoh other opecolrlo bullnciiiNJUng oondiHons u era aet forth bv Uo Ap(ltJieor in t~o rtport
1 The 1ppriHaer ~null4m M rslgtonslblijty for matte- of a legal neru affaotlng tha propampfV apptols~d or chbull titlt thbullrot~ not dcos tho Appralnr r~nltUt ~ny opinion bullbull to the tltlo whfh Is ftbull~m~d to bt good and matketnbt6 Tloa property appr41Ud es thouq h under tsspoleJbhbull ownerohfp
2 Anv tlltatoft In tlto r~tport may bullllow spproodmor~ dlmof$lona end fs lnolltlad Ia anlst th~ nad~r In oisuolfltlnQ th~ prop4ny 1M Apprsi~or hu made no svrvoy af tho proporly
a Thbull Appralosr io not qulrsd to ~lvamp tobulltiotiOl 01 appear in aouri bo~bullJIH of having m8damp thl appro1aal with ref~ ranco to Ute praportv in quetUcn unlaso arretlgemoobull ~avbull bbullon prlhi~raly mad OJ tftltmbullfor
4 Any dlbullttlbution of thltr valuation In lite rampport betwoen land nnd lmprovamtnts appfisf only urgtfar the malng prog~m af utiJI~otion The s-oparatbull valua11onbull tor lltnd ond b~lldlng tnuft not b~ Uliltld frt conjOncrioM with ShV aliter eppralslli and era invgtlld If to Uftd
5 Tha Appralut i~Jsumeo that thora ate no hlddon or un~ppsunt condlclono of thbull pt~p~ny eubactl ot strucntramp~ which waufd rendor It moro or lass vai1Jabi4 Tho Apprefs~r asournbullu 110 roponelblll1y tor tltr~h ctnditicent~bull or fM anglnaampring which rri~kt be required to discover auch fftctDn
8 Information ampS1iltnatet end o-piniont lurnlshed ra llta Apprai9et bullnd contained in tiN toport w~re obtornod hom ourebs oonsldmiddot orod reliolgtlo trd lgtnrtavad to bt truo and oorrect Howevar no rooponslbllitv fcrecrlllampey of eucl lome furnfohad tho Appraiser can bo BUUmod bv the Awrllsorr
1 Olactosuro of lite oontampnr oltho approJool ramppcrt fa gorned by 1ho9 Bvfbullwa ampnd fle~ul~1ions of rho protasnlonel ~pprohel orgbullnlshyl~tlona with which tno Ai=Pltbull~Gr is ~ffilialltd middot
4 Nafthor bullh nor bullny pert o( the CltltfG11 of tho tt~art Ot ~apy thet~of lincludino conolorolont oo to tho prop~~y vnfubull the identity of tnlt~ Approoor prohbulloiansl dlt~bulliglttlons r$loronc~ to ony jlrofQoslegtnill epplllal organiadono tho firm with which lho Approlnt ia connncttd) slutlt be u~od lot nny purpo~ lgty nnyoM but tho errant ~pooltl~d In tha repor tho bol~wor If approitol lu pnld by ~ovne tho mor1qo~aa or h$ Rtocurs erol nort)no morrgo~o lluurort conouitant profuofonsl dppraisef argnnllailtlmt any l~te or fllltlofllly optotovod finenol lne~tutian lny d~rgtbullrtmont agoncv or inttrumontaHy of doe Unt81 State9 or ~ny bullbull 01 lht Oishlot of Colutnbi~ without tfoe proviouo1 wrltttll oon~snt of tlo Approioar nobull bullhoU It bbull convbullvbulld by anyon~ to thbull Pltthll~ thiltlugh 8d~artiaibullltJ public rampIIIICiona news~ stflf or ocflor mbulldia wftfl)lft the writt111n CCnlont tl1id opprobull1d of Ula Appt~Sl~u~r
9 On 5iJ CJPDrehilll$ $Ubject to ~ldetactory cotnplrttlon rnparl or alt~ra1iDI9) thn epornlsnl -JCIrt ~~gtllf - ~r--~lt1slon Utl conHnmiddot gllnt upon coflyen1amption ol lho lflrevel)entl Ia a wnrkmanlik$ m-omr1Gr
BORROWER Dobkin
PROPERTY 6fl2() Lfdo Lnne rottr lleach ca 90803
Appraloorlbulll
YAioNbull~ FbullrrJt- MoM ~-m41~JULU-1 Fltlfm 1co~ n JJ~ 8~11
Dwyer Appraisal
Ftre No )illQ2_
~UP~~~~--------~-----------------~------------------------------------~p~~~ll~~~~e------middot----middot~------------------------------------~~---middotmiddot-----
f--Citv I~ Seilt~ CCUQ1 ~~middotlu---------~---~2i p_Codo_90ll3ltgt=-----~-__ Londer alASpound ~HioiTAii fUHltI~L tll27
AlPJlAISBi ClmTIFICAIIONS amp COMPLIANCE lllTH FIRRA REQUIREMFNlS
bull The puiJl1lle of thif f)Pgttlul b to estlllato hlr Harket Value as cleflnol In tho attamplthiod FHLK( fern 4J9of tt- bullbltrle deo~ribed real ~rty lhia appllliwt 1s f9r thamp SGt and txcl~ntv u1e of the ~e described ~~Cl l~tbull
lhta eAOreiL nay bo ~bulltd for federally ftlated rort~ lcall prrpous $bject to title XI o1 tho FIMnbullfbulll Insettuttcns Rtfon r~E~Wr) EllfGltcanetot Act of 1989 (IIAA61) The 1Mers1~ oppralter(a) aekrQtledg= ~flet thoy have rMd end Ydarstand tle Utfor arlfard$ of Proloslotw~l ~alool Prectf 1USIP 1 at they ~tocl end y bt atltndod 110lt1 tlre to tiM by thamp twrbullhal StIWdartfs gtard of the 4fgttaisal fonlatton ~rrl u trplenbted by IIOd 1nco~rsted fnto the oce (Off1oe of the CAlrtptrctltr of thamp Currency) ~Uqulatmiddot gtIU 1hla llgtrisampl QOIII)l with ilCC RegJlationt PSgtlt1 tfgte tlnl10~JI $tarderltls of Prof-teN~ P~cttca (IJSPtP)
the legal dorlptl011 9f tile prltlf)erty u ~on t~~ fi((t ~ of tMt t~R~rataal regtainod frm tha cnnty teK uunws riOOIds
middot ot-r ~rltgtd 11hlch ort eotiQred to ~ relloble- but Mt liJ(Irlltltoed Tho tot atgtd trs~t n~ lldar the aueuara par~L nlbller ~ra nsiIGIti lld~taly dtscriptlve ~ ~~ ot bull prtlbrirv~ry ti~lt report WIIoS rlaquoJUsted fron tb~ l~r bvt rltrt reeelv~ at the tiM llf loMe of this ~hsL
Th ~rlllampil$ eJtill8te af Nuaratgtle 1111rkttlng tine for ampAlje~ p~rty eelriltl~ ~hh the rlcetlng tiM shgtlm Cfl tht frolttt pogo It also rntated In the roment section en the nOOIICI ~ of tile lj)lltafaal
If tho tlbletta sa b val~ Is difforant thoR tite Estltcf valtJe t1~ val~ 11Hl bt stated in th ~te~oocfl btftlrl seetlcn of en rahal lepartlf thet are tne u~~e Qnly tigtQ aa 1 wlu~ 11 atatodA buH4fllQ Uldbullr ()()MtructOn ar In gtelaquolt of rqraquolra cr slttratfcns ll rerplre tilbull 1Ettita of llltrrktt vatbull lth tho ~~at~ 1albftct te box beilll chckocl Stlt thbull bac~ ptge of the ~pFn~iaal repon bull tha infanrat1et~
he scrpe of tMt flrahal frtoOlvod data oollettlon frcn vtltOIJa =r~t ta-fdered to be roliotblltJ 001 ~~ gvarantetd tn~ltdirg bst Li11itld to llblQ r~rd infec-t~Ltfa obta(hed flllfl hi lol COInty re=derbull Offiee Tll~ ll4tbQJfd1 t~oc Dmar local ttJttfple tlng a~vice1 buyen setteramp alli real ~t4te brQI(tra tooflrnotion Uo$ mt by ~ros~-cfleckirg fnfcr111tion ~ith tilt rorcu ntiCIlld middotthe llt~tultamp ere then repoltld fn the QWItlprfiltamp lrxirtftr~ on the bullr1lrel~l rtpOtt o~ ldd~lho pr1Mry data liOWCH bullrot provided the grid sectfoo lltfllt ap4U parnlb A phy$1cll 1npect1cn of tht fnt~tlor Itd exterior of the tlbject lrwerty 111 corjucte at ldltcl e thbull Epllraiter urilt t~o projlOrty l c~~loolated tlte orproJf-te l(fJare foe~ of l lvfrg amptea lhe ~raiamper tiiEtl ltIIcentltbull by tho fret
middot~h of tho laquot~~p~~rlblbulls ~nd tekh~ lIOtlta as to tMfr a~rrlftt ~leltol claquoldhioo for wul~tioo of their aolitiCII 11t ti~~e of salt
lhlre lilt~ rtl 11gt0141 pcraorat ~rty ttllfiS f1Mtut or tnt~rgb~t 1t~4 1101 notrolly ccnoidere bull part at tho rl MUte 1ncltdiod in i)raisod vatue of tht Pject ~rty My porKIIIl pr~rty iJ ~rteltl ltgtn l ttparete a6teldJ
the trltferbulllg~ed awratr(a) preaergtt end eertlfy thlrt~ (4) tt1e BProfoal auig1-t ~bull nat bas-M lt401 reqJtHIII nfnilltJil Vlluatflaquol eel fie valoetlro or tre owrltml Of toanBl etpiO)Wit of the appraiser wu rltrt oorditlmed OJgttO the awrabel produeii1Q a ~poet fie Jot or 10 1111lut vithfn a givon r9hgiJ CClfuru~ ~~t h rtGt d~~t qlCll en apprlhal prQdJclng a speelfie vatubull (D) amprp~t gten~atlltn ard fvtue eoplCY)lOnt Ire r-ot lasod ~ llllt~ leon lpPlicttioo h tppro~ed ltElnetlgtor the awrats rar any pelt(tl ~itlt
JOrerahlp intbullr~bullt In the ~ tqllaying the Gwrainr b rtla~~ to or hoa allj Wttrship or cthltr tlnncal lnterost 1rt eitller lxlildeobulldcvbulliper aeLler buoftr ror~e bttl~or Ct rtlt~l estate lltQk~r~~rsa (or a~y ~nM relatod to any of dlltr) irrol~ed in tNir~ti~ f) ihfoh this appntisal luu ~ raq1estod or utth th the l()t recalt nle or ratlnancfrg or irtY ll(OltIIty usid u a lttr11bte praportylogt thh epp-alsal ard (I) th lp9raiser h not ~~~o~are of tllf f~cta lhiltfl uould dtaqu~ify the frtn bcdng deelt to btt rwfeponrlltlft epprehel far ~rjlltI~H of $ltJQtion ~4S of th~ oee A9lotloo AOgulatiCgtlo
The IAdersignoltS apprainrCgt) h~relr ~ogtknltgttl~ ancl ~rtify that t~ltsy ar fbullJll) qBltliod ard Ogtltpqtetlt ly their training boltlge amp rience to f)rforll thh appr~hbulll II ~fter acltejgttallle of the ~tlgtrahol IHS lggtMt ald dullng the OJru of cordtlct f rg the ~wr~isal FPrampisr diac011ero tllilt tnoy ore rot fully ~t~ to jgtdrfor th owraiulthe ~ta~r will OOrjgtly vlth tht Coopetency ~ravtslcn SPAr
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6020 lido lane long beach ca - Google Maps Page I of I
To see all the details that are visible on the screen use the Print link next to the map
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APPRAISAL REPORT
of
RESIDENTIAL HOME 6020 Lido Lane
Long Beach Ca 90803 Naples lsland
APPRAISED VALUE $3900000
PREPARED FOR
CHASE MANHATTAN FINANCrAL 3991 MacArthur Blvd Suite 200
N~~wport BE~ach Ca 92660 (714J 760-2671 FAX 760-6252
AS OF
September 23 1993
PRIPAREO BY
Dwyer Appraisal
Larry l Dwyer UcAR003464 Cortlllod Auldontlal RE ApprAitor
30011 Ivy Genn Drive Su1ta 123 Laguna Niguel Ca 92677
(714) 495-4567 FAX) 495middot2363
-----
middotmiddot
AREA CALCULATIONS SUMMARY LIVIN(fAR EA CALCULATIONS
A Area NarnD or Arlla Slza Totals Braallaquofcwn middot Subtotafa lt~ -~ 1bullgtR -
G[1 rirs 7middot1oor iISLOO n3-o ~ X 1400 2l1GDiil
htbulltiol St ill t Cll middot rfmiddotP70~ Hqza~ -50 -H9 25A l so
~ltgt enclobull~d Patio 4js1S US25 _ ~0 n 5o middotlH ~li tIIJIlWirt (A~i~ll_- Ul1cent0 llHOD -200 LDcent middot122 1)1)c -2 QC ~lll~ -l 0~A
l bull OQ ltmiddot middot5tao bull02 400L 200 ~ uoo 1G2 ~oc osl ~B )Q HoB
55~ X IIJ 24 2amp6 75L ~$0 X 4S so 1~1 ~ middotnA 600 X uso a onT I JSa us~ 16215
0 2 5D ua~ lCSSSO
N 1 DQ ~ Z7 10 2750
s -550 Hoo ~11100
-500 2lOU middot110D
Lllno__-----middot--middot-- l bulls2 ao
TOT1L LIVABLE (rounded) 2882 J _ middot~middot-middotmiddot bull
SKETCHAREA TABLE ADDENDUM liia No 3 2590 2
S llOfiOYIampICIIent
u ~~D~o~b~k~i~n~------------------~------------------------------------------1 Proptf1y iddr~Gs8
J 6020 Lido Lane E Cltv CoiJ~Iy Slate Zip Ccdbull
C~--L~o~n~~B~e~a~c~h~----------~L~o~a~A~n~e~l~e~s~----~C~a~middot----------------~9~0~8~0~3----~ T Andbullr
CHASE MANHATTAN FINANCIAL
nay1 1v1arliUl tH
~tl
t M Patiop A
t0 v e 3 Cltr SublmT~~ncun GruugooWino Ccllar M 1H AI E 3CJI IIa
N ~ r-a7bullT Ulil l s _- 10J
I btzr DliTlaans ubullK
E ~ -~1~
17
middot~ -U
T ~~r~~ H wtuc
H J j --- ~
= rr 1 i- il
ir lW
IC
Front of Propertybull
$0IE 11nth 18 Pampnt
M-rm r2(X)O
CAL~ULATIONS ADDENDvtVI Ale No 325902
=lrst l=loor (GIAt) Extamptlor Slalts (GLA1)
-~middot
A R E
ns~
-550
middot5 so -200
-200
aoo 100
oso ~ Ia
) 50
00
150
Hso too
-sso -soo
tbull
X X )(
)(
X X X X X X X X X )(
X X X
amp40~
IIJSO
uso noo noo 5100
~100
ta50
o uso uso uso uoo 2750
HOB
uoo )53 oo
lJlQ~D
-H9 25
~1na
middotUIOO
bulllZlOO
lOZOD
tD2 00
2125
tun 12H
Z1900
1UU
lOU$0
2750
bulllllOO
-tlOO
-tnoo
uoo X LOO oo
Totaf for Arna 298100 Total for Area llGOO
c A L c u l A T (
0 N s
Eneloaad Patio
400 X lG~SO X
30 X
(POR)
JO~O
110rt
20_0
middotmiddot
1200~
IOtfO
71 75shy
~sragujWtM C9llar bullmiddot (GAR)
H~Q X uoo 111)1 X uoo 1000 X loo Z400 X 100
1000 X 750
ucoo lHM
70LOQ
tUOO
1100
B R E A K D 0 w N
Total ror Aroa 4~625 Total for Area 133100
Paga I of I
SKETCHAREA TABLE ADDENDUM Fllolo 325902
S 8onvNbullrCIIan1 U Dobkin
Property Addrell 8 J 6020 Lido Lane
Ctty Cotlnty Stale Zip Cede
~~~--L~o~n~~B~e~a~c~h~------------=L~o~s~A~n~e~l~e~s~-----C~A~----------------~9~0~8~0-3~---lsndet
T Chase Manhattan Financial
ll
lie
2nd Level
~middot
aabull
A
UH
umiddot
I M p
0 R
v E M E
r s 3 lt = r i
$C~lE lfnch = 18fae
-middot ~t_~ ~middot AREA bALCULt TIONS
-4 ~middot SUMMARY
bull _middot ~ ~ LIVING 0REA CALCULATIONS
Ar~a Nama or Atea middotfoiais Subtotals
SIIICOJIS tloor
2tU so Y
middot ~~~middotao 2ll7~o
Bxtbullllor Stair-~~ cHon x us_o -lS175
~b To ll~lur jso~o vssa 50 ~l5L75
~Ck H~n~ 00 Spound SO 2~ 75
o~ck HI Z5 5 so o~o 264 75
PtDnt Daok 1000 IL90 ~ U$0
26SQ X JC~D
1-~middot X Jln~ 1 1
middot-middotmiddot bulll05Q X middotHso -2gtamp15
-uoo X n5 middot17Z ~0
-J so
-11~
X
X
oo lSo
-ll ~Q _u ~L oa ~ J uo _ oo 700 r 30 oo -21noo 100~ X lt oo bullt4LOG
---~--~middot--middot-middot--------
TOTAL LIVABLE (rounded) 2533J --~~ -shy ~~i~middotmiddot~middot_$-
~~middotmiddotmiddotmiddot gt-~ yo
CALCULATIONS ADDENDurv1
Flte 1o 325 9 0 2
Seoond Floor (GLA2) xterror Stairs (GIJ2)
nu X fSOQ 2H5Q 1100 X bulloc non middot550 X SQ -U4 75
bull554 X bullmiddotn bull1St 75
050 X Sl$0 Z375
sso X uo 2U75
nDO X UIO USD
250 X U50 ucu 10 X 3toa uo
-tftD X Hso ~27tU
ISOO )( uso -17250 bull]0 X p QQ -Jl 50
bull115 X L50 -~ ll
Total forArea 298188 Total for Araa QQOrJ
-~ middotc-imiddotOpatlToaglow (GLA) D$Ck middot~middot(POA)
oo X ]000 21000 1~50 X 1000 ~noo
J~OQ X ttoo HOQO
Total for Area 35000 Total for Arel 26500
~-middot Deck (PO~) front Oeck cPltRr middotmiddotmiddot
ll()C X s~so Ut~Q lZOG X tOQ uoo s ~u X zosc 112n too X so 2200
Totalfor Area ~ 29425 Total for Area middot 7000
A R E A
L
J
~
r I )
~ )
)
)
I
i
SKETCHAREA TABLE ADDENDUM FileNo 325902
S BommtCIIMI
J~--~D~o~b~k~i~n~----------------------------------------------------------------4l Prapampltly Addreta
J ~--~6~0~2~0~L~~~middotd~o~L~a~n~e~----~----------------~--------------~~~--~----~ Clly County Stille Zlp Code
~ ~--~L~o~n~~B~e~a~c~h~------~------~L~o~s~~A~n~e~l~e~s~------~C~A~-------------------9~0~8~0~3~_____ ltndetr Chase ~anhattan Financial
BayMarina
3 fi
3rd Level Upper Level
ll~
Front of Property
LIVING AREACALCUIATIONS Area
bull middototmiddot
Narri~Of Are~ ltmiddot
ar~takdowk ~
SUbtotara ~=-~--~7f middot1middot
GlAl rhlrbullt tlcoi 249487 111o tlSO ~2U25
Bdariot t~d = -931011 s oo 4 somiddot bulll2150
fnterLc~r ftaln -UlS sso d(SO -3$475
POR )rd rv~l frbull~ 2Hoa s~o Ho l61i 0 7S
lM Lavl De~k lt4 so so )lOQ l~4 00
150 X 25 oo 8~0
noo X 2J~~ HLO
-60~ llU -s~ no -~50 X 110 -JLSO
-s n~ X 5-S~ bull so
-115
uobull X
r
~so
7cent1) -middot )]
H2C
llo~ X Qo 19 00
1)~0 X lM -Hz~
TOTAL UVABLE (rounded)
FdtiIT nbullroJJ
CAL~ULATIONS ADDENDlslVI
llla No 3259 0 2
Third Floor GLA3 Exterior Stairs (GLA3)
2150 X 1150 22Hn 110~ X 900 I)(J
-~00 X _0 X uso uso
-l~bulln
-15415
~50 X U50 24$15 bullbull so X uoo J0400 J 50 X 1500 0750
17(10 X 2150 au so _co X nso uoo bull3~0 X bullbullbull o ~uso
-too X 550 -UScent
-175 X llo -Cll
110 1 X lDO lt2bull
Total fot Arel 248487 Total ror Area 9900
Interior Staln1 (GA3 arct LeVa~ Deck (POR
--middotmiddot middot bullmiddotmiddot-middot
I3 o X l$0 4125 J050 X 500 IUOO
JOO X noo 5100
Totat for Area 4725 Total for Area 23400
3rd Level Deck (POR)
11oo X a so lHbull iO
Total for Area t4450
t
Pogo 1 or 1
FcrothJxcct
Dwyer Appraisa[
PLAT MAP
reg
CALvULATIONS ADDENDurvl
Thftd Floor (QLA3 Exterior Stal01 (GIA3)
u~~ X u~o UU2~ llOfl- X oo 00
-~0 X uJo -U2~0
-~-~0 X UJQ -ntu s so X p so X middot~50 X
o l~ oo 2 oo
Hmiddot 10(00
Of~~
1700 X 2JU 3 so -Joo X 1$0 uoo -)SO X poo middotlSO
00 X $50 -H 50
bulllo75 X liO -su nobull X 10~ uu
Total for Area 249487 Total fat ArEII ggoo
lntarrotStalra (GlA3 3rd laval Oeck (FIORi ~if middotmiddot
u~o X l~o nH ]050 X 6 oo I~J 00
)00 X 1) oo Hoo
Total for Araa 4725 Total for Araa 23400
3rd Lgvsf Dock (POR middot
no~ X ~-middot0
Total for Area 14450
Dwyer Appraisal Praoor~v Dorhgttion Analvbulllbull UNIFORM RESIQENTIAl APPRAISAL REPORT foife No32~
middot-------1
middot~ Nole~ R1~ W IN t1tc1-l ~omJ~Wh11 ot chll ~ct~ad ut nK erhttred tlltW~ ~~ fbulloIOflbull
~ coiAMiNHlt 9Jbiost it Laat-lti the letwt sltlrt 11nla eottlt~r~ g~allty Htatiel ~HYhou~i rtlllmt
lrJruJze ll~Cil Fr-(RltCftsJ m-~~4middot~ bullHn lartb ~~ref lest Good Oampintenanct leveh Pltgtttooo=Lbull=---t
l shltooinQ I rbullLat61 ~~~---middot------~-----~-IJ ~SEiAlT~ AOOEI(WI f(]lt iDPTlregL_06TAlL~)
i oewrAAL oucmos EgtTfRIO~ QUMJbullTrQlf oiNOlllCIN DAampIIINT IIUIgtATlON ~ mt__ Mftfrofl tcrCr-el_ lllltb m___ bullmiddot~n ~- n ~ 0
SLCIIcu lhrgL__ amptfuNbullt e So 1b II F~ IIA cu COO - ~tUyen09___
T~IllatAnl ltaened middot- 3iSL-- Bet ~ Ctll~ Jl_______ VIIUbull ~--- []1 ~~~ 0U1Jft (91yhl Glrlr~bullo~ 1int~ Hgt_l ~mplrnp ~ Wltft ~-- ~n~O~middot- ~wll(~ Wtdoi11yenTfO ~~ on rtore laS_ bull IJL__~ I( --- 0~---____ P1QDP2Gd ltlrm _ e1111m1nt ~-_4ot-ed 011lbull~t poundntr ~-~-Y lpounds1- [i~----middot UMu lotfUtctillll amp-~ $crtcr-w ~ lffuttllm ~ Noted__ ~ -~ Erc11r (Nitltulltbulli
ADL lYra) 2 MbullrfuluH Heut 12middot----~--~JY~_IA~-----------~~JU~JA~---- ~~t~ ---shyrrrt ti Jt bull iY1U 1-2 NA WA IfA
-middot---=-------------~--------middot--------~middot-----------middotmiddotmiddot~--~middot---middot----middot----
--middot--~middot------middot--middot-----middotmiddot----------cmiddot-------~-------~---middot-------1 Dbull~reclbulllit~ttQtllrbull)llrltri4Mtlll(loj_tcf1oollt11itu~ottrQpobullhrw-Ko-t~nlhMkn-t bull~~t bulls Jn Gad_OVfratl ~tt~cp~~t 1tld~eit5 O
_$fflod Sflilrs bullr~ noted -~ubleo_t lrdicatEgt1 lus1s Mif)Qr then t~-t preamptir~~~~e-1 d tbull ih lAISor ie_ ~r(r01t J=tilt-fl ampnl FlflC8hiK~~t 110tgto1n tlre nru r~ Sypkally 1llartllteror~lttcrfrmt tj ne lxgtlltlbl due J~ t~ach cotoIUilHy irtfluco lhi bull ~middot Ld ~--q ro TgteOgtUr~b Lo eftqt on middot~ieets Vftlue or llrkamptelgtjtj Y Iiithin th Cs mr-lket~---t rJt~d mbulltktt CONfil~f4 td puw1hn01 in~ lrnlbullc(in Utbe-~ctlNltt trU r~udllQ foirn51~rtt Wrut tJtrd61ront tld (QK4uiYf amp~ft OONittai-~ j)_rla itabt__ amp ~)lt()bull bull4 rot pr~(ent fn th~ ~rM Silil9cta 1lrsotlng ttq lotlfd l_s in e~lt~amp of 6 trltrtrs h -~qr~ in thin r-cl9~ ~9 1idlt_i9 ~ri~~dly DJUQJlH~~ro qf~~itsbl~ fg htrl)tr gtricltlt WMbull ThlbulltJ~Yi~iftIA~t Rf~ ~middot thmllllum SltIJthem CUfomlb middot
Dwyer Appraisal
f w Ft~ll Mill- Ptnbull Mat lhl r f0Wt ICf ~bullhtHUent tnd OMe lpcNch fOff111111 In 1hJtbullbullot -middot-~-l (l)tt tlt~ are ft01t lllltSMll amp fllift bullbull ~l es fnf01111ltfm -~~---~-----~middotmiddotmiddot --~ shyby l~gtltal llltHdersconva~taltbull lgt~tn ~DEO Mlq~E~----
I f-qoy E-bullmiddotntlbullbull ~a8111$mies bull - bullbullbulld ~----~---llloo~n L1ll_sl81~ bull 1vlfl amptLmiddotr~t~ et lftw bullbull bullbullbullbullbull bull bull _ _pound1Clt=--i
~at A~bull-M lllr INO$dlt Wife bulllt~ Fuulbull Mtol
DMa bullr~tf~nfOtft M tr()lleo~~-1bull HVDNA PI~( ICampt1dbulldt1 0 Vbull 0 Ho Nbullnbull tl Wtrttnly llrampQIL
HNoapltlrtl lllEIU~-----~--~---------1 Wnnll C016tqe EIM
~DICiTeO VAlUF BY SAIES COMPAAJSON APPROACH bullbull bullbull bullbull bull bulloiCAUlJ VJIILU IIY 1~twt APiiOAIA r1 Ap~eitlt~ t1dMilN trl-fIUI ~ $ ___)j[lJ~--- ~ K Otbullbullbull rt1nt ~IIPihr N bull bull ----~---J NIIIPfrJiut it mamp no abull 0 bullutf~t ID tr tepti-1 IIIOtbulltic-INIf(litll 01 ro~lliorwllIM lnl~rW 0 EGM~bull~ IU plttlll ant
b IQCtthai It bKampIIfl~ IM bull~t r~qitorntt~tbull~ IN-vtllloKft-laMIAJ+11 tMJ~tf~eod~41111 tMMbullriramplt ltf-t 6trrnh~ ttwt Jbullawtampt~ In
] frrtA UUO amplor VA lrat~ilo~ J lrc~rt Mbull~hmiddotM UO ltfn iJ9tlfiftntiMKFrm 008 at-1~J Old11~~~~ 16__
1EI PI ~Tpound 111pound MIXH VALVC A9 Drlmpound0 OF tff SUillCT PADIt~lY A9 or ___sW~----middot~ ~~~ bullbulligto I
IMII -M4eletBJ hrn t(bull ttw ttICI CbullWltCI tNt I (we) Mlt~lllllyhtptctef ~tt uPtcl PI7Mrtr ba1h lltlde td4bull1T
thJ r-t~r lttNt lt-Mt I ~ ltttt la Vol$4knd ntt~r rf41$rlt cbull ~~~~IJt-~11yenbull hetn
PtY-pryen161~----------middot--- Omd Ooi1N~l 6r Jtgtll~bulltwl NA-JE ~~ PrsoM~
Dwyer Appraisal SALES COMPARISON ANALYSIS
IIC9
Dwyer Appraisal SAlES COMPARISON ANALYSIS
Dwyer Appraisal
----~----------------~iltNDJmiddot -~~~Do~bw~~in~--~--------- --------------middot-----------------------shy
~~~Q~L~i~d~ok~La~nwe~---------------------------------~~----~~ 5lt11lJmlg~ Cg~nlty Lof 6ngele_amp__~_____s2Jtn11 Ca 2jp Codo 9Q80l
Ltncfo CilASE MANHATTAN FINANCIAL C02
AOOITIONAL MARW DATA OOMMENTS
omparab~es H4 5 and 6 were s~leeted f~ the Lido Isle area of Ne~rt Beach Although Lldo Isle s substantiaLly further south ot subject the island of Lldo baa stmllar eharacterlselea is not ttad and eorudderad sllllilar in overall market appeal
Jmparable U4 and Co~rabla 6 are both very s~ltar to subject in livlrtg area and the large lot lre Their location on the island and their bay)hnbor vbv is vary tmilsr to 3Ubjeots Large ~just~enta W6re not nacessa~y and thaae to cnmparablea are given considerable weight
~~able 05 has tnferior lot utility as well as living area ~ich raquired adjustment but tha Law was couaiderad s1mlar All three opound theaa co~arablu reflect similar construction quality 1d we~allmiddot marlcet lppeal
lmparables 7 8 and 9 are the beat of eu~ant liatinta avallable on the Naplaa islan~ within ose prOltilllity to subject Although they reflect construction quality and conditiOn more similar 1 aubject their inferior lot si~es snd utilit7 at vsll as living area required substantial ljuatments Current llstings are fumfslud to demonat~ate the upper 1~t opound value for the tbjee~bulla nampiahborhood Adjustments 1n the grid section reflect the approximate sates to lat middottee pereentaga probull1lded by the local Multip~e Listing Sarvice
DNyer Appraisal
___fgJ~~lri Proa rtv Addrau ~ ld9 tBM -~middot County lolll~tt ___J~ Zie Clllt ~
LKndet ClUE ~~ltATTolll fiiWICtAL (JIQ
AIgtDINDUM TO APPRAISAL
Ojt 1 loeaud witlbullitl t~e city lln1t~ of ~ Bead) Callt~fa IOrll Seech h toutod llgtrodnaUly 239 nie$ ~h o1 lA~ Jgamplu the ~llty seu o1 10 lneles CCUty The pl9atnt J~QpJlat fQl o1 lAtl Bead h lllPIgtthattly COO vi thin It 4971 tlll~ lle~ lhe ci~y Is bGrdered laquo1 the U)rth by lampblootl the $dfltf1 by u Pacific Ooeltl tl14 Vet by Olr5Qrl Std Latlta lld the East by Sql bullad end los Al~ltoa (OriJQe toTJtygt tt ia eUo bordered en ~flo lleat by tfle lcni Beldt CT10) FrtltMtf tlo llorth by the Sen Dieogt middot-y lmiddot~) allll the Salt by tiM san ~lot Rlwr F-y (I-60$) OottVtlertt 1~y middot~-s II I hlcflly lrelgtlo ftaturo tor bullbullfdlnts otto ~rte t the a~bull
thougl1 the city Is plfnar1ly 11 ruldtntal tQOUfty a stbsturtlat prtl01 a1 lWld 11114 Hsllfved tor trdJstrlal ~iat lit( Dfflcbull rtldlltiJS u~o lfajlaquoo siqlflllll COIIpltxa are acated th~t tte ity Cbulllitorni State llnlwrslty Wid IDrg Belich City t6lloge ere bulleated ln toog ampMch amp~ill to loroer Prb ale SQItttrod tnrl)jgcJt the city far tile re~oation usa of the resldoota
e fident1~l ~Xltmnides bullrbull cha~ttertlect lfith a 111Xtlltll of restdlltialvi~s tqing fll arell oldt loxl frlllle airqlamp fenily ~as ta l11rger1 rltNOt1 ~ra ~rn trset t~ txbulltng wlli~h bullr~ ~~lble ciJo to tke 11o1t11tt aitt fnfucn~
lje-ct t Lacatod In tJo SCYtbeat coMer of ltng Be~cit in ao arM alown u Naplu llpl03 h an iamplencl In tl1e eorttr of e 10g Botsch rfna and 1a IICicnuble fr011 he Ean bullnd tloe lint by Sa=d Stlttlt
bull rntigbolflood OOil4itU of avetbilebullgood ~bullelHy 01111-thrltlltl story detadled houus rliIQitgtg 1n elze frltn 1100 to SOCO ~~ ftet -r aecltou h appiQKItoly thrlt111 niles tut nt Nifborlood ml~ good lntwnt llt~ela Scxgth WwiJ ald rtlatd Vi~es orbull ~tntly QcaUd to the p~rty tie botlrdarl of t1le nefgfilomood ~~ct~ld ~ tM hlsnd faelf
~ faUna ts a hidllY dtagtle Gnd pre3tfolcus pllcente to Ulltt ltm Its grtat locatm j pttgtltity to tte ~at=r Tte lota arrood tilamp 1bullifOlter ot th4 itnf havt tJc3t dock to tile Net liUh tM obtfty to 1c~tt 50bull60 +ya-tu Dnttra of th4se ~~ have dlre~~ eocua
thofr OOta fred the r~r af tht pfQletty will ch can thelt be Moiuted thJQUdh tho ~ l cut to the Pat Ifie Olelaquol the hmu lrltMd bull l)fgtrf~teter olIIO hlve ~llent vie~~S of t1e bly 1d eft) llihta For ruldmh COl 1nte~lot Lab 1t It ltny a lllort walk to llfll of tlw V4te bcl-et tr the tidents and tMbullM prtl to w~ llcmu cr1 fnterlor tot t)l)1colly r-arg= In 1181114 11011 $150reg to ~tn)r
e~ the por11Mter ~th llllter frcntiiJI tgtP1ealty r~r99 fiQ1 SVXOOCO )Igt StOOCOOI- Thbull t~ In the IJJH b tC71Mrd~ the rexJHdlrg Otititien to rrdor ccnptota HnOcletlng of all otdeJ heriot tile hond ampooQ tM gtltltfMUI odjKeot to thamp bllltld Th1a trend
~~ltthelt-- tile rtobilfty of Mrka~ lamplue$ in the aNa
Dwyer Appraisal
Filo No
_B2~ttSilpn1 COOle In
Pbullbulluru l~st 8l20 Lido L)) Cllpound~~cfl C~llL2~bullLa Uabull c 2Q~ltIdbull ~
~middot----lendbullr CHAS ttAHKTrAN FIIIANCIAL tW
ADDENDUM TO APPRAISAL
XTERIOR FEATURES rtOIIltlc (ltIn tbtrs) $prinkler ampy$Ctn tn jrllrlt amprr yafltlp
wltold amp gottd llfltry to tht front dltlor provd~ privacy at 1141 u a frcnt patio for lddhiltt111l fbullnctio-at utility oblld p lltltert in t~ frltnt amp r r yard 1sta1 dr111CIIIIY Ia nade of aalld flags~
~~ front porch is~ of solid fl~tONO
111r yard enoleooed ootith a~middot hi~ btoek ~lt Thh proYidlte9 aitiONJ~ ueurty li~t obstru~tlng tile bay vie~~
CJJbulltltlll luilt bullPI in tte frat QQ(Itt)llrd bull 11 patio bullnbull elso hu 1 bulltmiddotfn 18Vfi~ft
lttio a~s t~s tM r of 1lltJ- b llco(e of solid fl]ttltllo
rt of the riNr patio 1~ It CfMbullrltJd by ttl~ seoni lelto~ol dedc
~TERIOR FEATURES JIIIStDIIII ftcarlng In MtJY hltJllnlf I t~~ m thegt 1bullt Uvl 1 sCCIId lbullvbulll Is all 2~~qJare 1111rblt YilOltXf qJJotty eubulltat e~gtrprtitiQ th~ the root of th om Item h~~~ qUII ity Stow-oo ayttn tlulCIltt the ~
J Cfllllity hcurlt) syatern th~t Joillltfl ta dNgt~t disl to a sacu~lty JK~nltorl~ Jbullrv1 ce nt~t len shutters thr~ tcglt~thar wf th 6tioer CtJbulltOltI ulndr1t eowri~bullmiddot
etaold llV~IJl9 dl~t -t prflllr) rcons ord t~Llolllys
to 12 ooilirQS tb~ ltlOSt Of tho hi3e bullll~tbull ere ptaced bulltrateic~lty thrctllflalt taD IClWII mot41t~t tlvalgtool tht houso rn tfoe addltOfll bedJQOM JtiiIOfef Uo((frdle dltxgtrt rt is 1lao a Mp~Jrato wine ltollar gt1ich h tlle~tatiClltly t~rswro I ~lfrate taltrollcd h a lourdry chute fiOIf tl~ llpl)r tel(a) to the lalndry ~ ~~~ at t_ lCooer lemiddot~L
TCHEN ot~rtopamp In fctttMn are tolid ~rooite
itOOltI flco~iJ In kitclen i nd area
Jlll~ cOltok~ aU othe~ top ctlIQIty lilltes amp fl~t~res und In tnt ktt~ as OMlL as the bullbullbullt of tho hoobullbull amp il a ampefgt6rete fet at thbull kitchen sl~k for inseartt hot lllltiH
- is a mr~ 114kmiddottn jlllftry lttich h bull very ~lrabla fbullbullturt usUIlly fafd In larlts rn tMt t~
bulle h IJ lalge built-In ref~ig9flltalt-tob-zero 1reeter lith the front ps~elamp Mtchlrg Uo cablrgtlttJY I~ the kltclltn
lULV ROOM fQnfly rogtOfllllls its on firqJlace
STER BEDROOM amp BATH llll$ter gtlaquo110011 fs Vol) ~paclobull tltch fa a typieal fcatTJre for thi~ ~ amp ptloe ~of ro ~ h a sittlrq area or retret~ at ltgt1~ End of th~ lliISter beiroott taster bedRltln has ita firepllaquocentB lotlfch h triliiTed 1(111 norlle l~ tlt~ ftooriJ9 thJt1-IGhJt JMst~r bath rzi tlb in IllS ter bath 1 ampt-alor wt th clxibte shltloer hctado
h a t6r~ llalk-in cloet in bull~tr trooo 11tt~ buHtmiddotin orgbullniz amp ol-olve$ Le amrcqJI In rraquottor bllthCan
lNG ROOMDINING ROOM -o 12 ceHI~ in Uvl19 ~ tving roar h11 it 1$ Qllll ffrplate llttici a tr-fmoeltf uith rarblo ont co t~o dinllg roro thQr h a bar rem JJth e w$lkmiddotbehtrrl llH bgtr th~ 1aro1ly ftJoCt1 with a luilt-fn ref~t~rator amp fc Jor n stulptulOd c1rpetlrq in the livfhJ roato ard lldJont trca3
IA(E bull~biO n qood qtelity ~Llmiddotup rr- doors wHh liample dcor qJltn~rs bullilirqbull amp ~alls in the qgtragbull are finiohelti ot ~bullt~r ~tor hltla a rbullmiddotelrwlbulltlf ~ lottich plOIbulli~centamp notMt hgtt lf~ter to praoticany ort(tero t~ the hOJs~ 11t to tbe 90rigc la 8 ~tre cellar middot-et ba- liN 112 bllth
~-===~----
Dwyer Appraisal
-iUPt-~~JL__ lroarty 6lt1bull~11 (lRtJ lob le
~~altl Cauntv~~ sra~ C4 II a~e lalll Lande1 OIA$E rtNII4TfAN FIIWICW eolt1
ADOitNDUM TO APPRAISAL
lnal Reconciliation
bullr Nl$ llo 1blo Reccrd5 $~bjeot has nat ~euro11 ~fated or told tn the pKt 12 rrcntlts ampnd h nat pr~$llntly listed
te nat cttampttt bull~u activity tn touthHrt california II e11p1rfenoif9 Lilli ted aetlvh~ dUo to a tlt~gglah OltOOft lotile ptql~rty vallo$ pear to llttve lttoclfne tn eore 11rtas other etelt~t are ~~le $ tlaquoM areas hll aGtuelly lncnut fn vat~ A pertloular llef~barlold fVIf Prfmce lhat ~r$ to be Iii t~~ary cleltline fn ~talue ldoltrt nveral ~r-s 1eve an wgent nHd ta aell lara aU ~t1rq for thl middot111hed nlnigtor of bitter~ llll~gtfbble Thfa h -ftered to be bull telpOnoryo aftuatfcn lohfch will oorreet Itself 4hen tM tOIIIXIral) Ooert~ly ~ b ebtorbod amp detend fncr111nJn bull111~ Ioiii~ hllgtl~ txperferncd laljle orplO)lMt ~ffa or oloVte of lalfe renufacturi~ plllt1t e rtcwery petofod formiddotp~ty v1tlut $ thl stobHlzatlcn of ~lfmng Yll~ claquo~lltl be atttantloUyiClIQltr amp lOft sown thon tEIIIlOrsry
this CQldltfltll is ratld or ena arprmf~r h ~$rt of It I~ l$ ~tod en bo amplfSl8rat~ adclrldln Nrefn middot
thh 11sprabal anfgrncntcal4ful ~~IGltI ot all curlltrt Mrket dllta wu conafltlerod ~llfch inclLdcd analy~1a ot cu~rmt ll$tlngs penii~ les aa wll ~ tJqtrld and -l~ lhtt~ P~lng aales 1rot~ltlthn 1 gfvm ratkat ar~ can rerg in vamplue wbst~ietly ~lng lfv~rQ area rccn cortt anenlties ncltrlng view or lllcc ot Vflll and 1q~~ta ~ ~tfa1 lf there litre pending MlM ~tlfdl N aio~~llal to subject In ovtral~ rarket Ollll4St1 cne Of~ of thtsa ~fng sslobull Mite beelt fncl~ fn thh tltport rt there 1111r1 no liHir per-ding ales ptnd111J alet lhich ~ltere not silttlar Ore not Usqd lhe u o1 ranbulltlnf lor Mles ~oWld Tlt~qJire thm vn of excQsfva 1 etbjetiw adjus~s leodfog illes 11119 adequE~tely teflect curr41lt ltlrklot derltJltf ~Mingo les of ptepcrtles stnflar to stbject at fees l~r thlo rtelt closed sal are gfwn tho roampt lieigntPendfng 14~ laquo f~gtlltr ~rtles hil1ltr prt-1lt1 than r~t eland sales 1 g1v151 o~~fniMl wf~t sin- tie~bull fa bull poulbllftl tlllt thay ftlt nat clo~e aaerou for a VarfOU IIUber of reafiOM
led ales withfll thl jlolst 30~ drtt aramp IIOlt raLteble alllcento tMy hlrw ctOltHQ amp Urrt are -t recent II tllo ebtenca qf reltenC eloeed gtendfngo satu 111 ~mtyenab f CM~ llstlnga ws also ~~ted ~in thitrt 1M be a llidbull ta~ t valuoa -llllble tor Uatl~a far 1 lfll~ tf abooa llstrga prlcad out ltgtt llfoat ~rata be reailcrollbltt range of wlut Wllftt not ccnalderol ~ und In tht rtthey hlaquovtt btco adJusted to t-4 prebogtlt ~~Gmntlllit a1 Mlt ta liat pric es reparteltt by tile Local 1Jltiplamp ~ittliG Service Further iuatmnts aN then ~eased en teatur~a coodftlcn etcent Hfnltral ~tight h given to t fatfnga ampitgtU they tore clrly d~trate til ~ lfroft of value for PtQPa~ths tfllilar to Sllbjet~t ftOir stbjeets narlcat Gru ~ are hMfr tile ro~t CYrrllt deta a~~ampftabl~ If cne t110 lfetlrgs 1evt nat ~ inotude In thl$ rtp~rt fn lieu of peldiJ sale t I$ becaue~ tfl~u ~bull nane ampYallabl~ coosldotrod to ba 1flar to stbullbject 1Qn-slllllor properttampS IIQIIld agin rltUir~ tM u- ot egtltltauw ZII1CIor Oj~t altljuatts tl1cn ckfeet th~ p~rpase Or bull eo~rabte t~lamp middot
middotmiddot====== =======~=--~----middot---bullmiddotmiddot-----middotmiddotmiddotmiddotmiddot~middotN---middotmiddotmiddot
FotbullN 32590~ DEFINITION OF MARKET VALUPIhe mott probaWo pric~ which amiddotpraporty ohOltifd brlnqin e bullampolfdve bull~d opbullnmorlltel undor ~~ conditions requltitbull to 11 loir oolo tho buyer ancl eampllor eech bullbull1ino prudently knltHYiodgubly and usurntng tht prloo Ebull not eHOlttAd bv undUltI inwus lmJ)iiclt In thlr dofini1lon the ltltgtMUmtn~tion ol bull af IPIltlifled deto Dnd thl poaslng or tidt ltom bullaJiar co buyer under oon4itlont wh~ttobY (1) buyor and wolltr ero Lyploanv motlvalltld 421 both panJsl art wnll infom~ed or 1dYid bullnd uch acting In who ha eonsidorbull M1t awn bs~t lntereot Ill bull roaaorlbullblo timamp is nllowod lor poevroln tho Ol)llt mabullbtl (41 lIY ibull medo in torms of ~bullbullh lrl u $ dollarbull 01 In tturno or flnonolel ~1111810nts oornp~rlbfo thereto artd (5) thogt ptlco lipiUIIItl rho normal caideratiltJn lor tha prop$ry aotd unefftc~od lly spociBI ot eroatlve nnancfng or ur ooWluslona bull granCed lly envone asbull soclarlld with the bullnit
bull Ad)ubulllmampolto to the acmp~roamplot mu~t be mede f~l 8ptclelat cres1iV9 finannlng or tlt~loa ooAonsiltgt~ No sdjuWYents bullrbull nao~orv
for tlto oo9t9 which ato 11ormally peid bv ttllilre 11 bull roeult ar trtdltlon or lew ln bull mrkot arbullbulll Ultse coots arerudlly ld911UII11No tlflus tht 1sller peya tMtt oootl In Yirtually ell eltlet tr~ntaotiant SPJclel ot orutlv liMnolng adU~tmontt can bt rnocle to the oommiddot plrable proportv ily aomptlisont to financing termbull offered by a third psrty instituric~lllandor thai io not afmtdv lnvclvad In tht propshyortv or trantecrlon Any Olltfjua~tnent aPtould not bm talaulartd on 1 meltgthbullnloel dollor for dollsr cabullt of tho ilnsnclng or oltmcot~lon but th~ dollar amtount of anv ad)ubulltmont ehtould apprlgtlCimato tht Markatbull rltbullaotlon to thl tlnonclnltr or ccncetlone baood on th~ onJ~Ufjorbull judgmeot
CltRTlFICATION AND STATEMENT OF LIMITING CONDITrONS CERTIFICATlON Thl Apprlliter ~artlllampbull ana reea thogtt
1 The Appr~llttr lult M prou11t or contemplollbulld futlire intorebulll in tJoe prcpbulllllbullpprlitampltl ~ncMithar lhs omJ)JO(mont to mako lite oppraluf nor he oom~~uutlon lor It Ia oantlngenf upon tho ejlpi~lbullad value of ho prGperrmiddotr
~ Thbull Apprmbullor hebull no paortallnter~al In or bias wfth repaot to th~ eubjogtet mtlter ol tho apptolool repo~ or tho pnr11clpanto 10 th oalo Tho eetlmlltt or Mor~at Vo11e In the lljlpraiul roport Iamp not ba~ In whola or In palt llpon the reco color or natlcn-lcHgin of thbull prcapoclfiM owMrs or ooouponl8 ol thapropJrlf eppralsod or u)on the taon ocor or notional origin of tho praunt ownoro or oocupantbull ol lito propartioe In t~ vfclnll( of rh~ IHGporty apprafbullad
3 Tho Appralttr hoe l)oroan~lly lntpeotad Utltl propwrty bolh lnaldbull ttnd a~r arltl ~ madbull an ooxurlot in1ptc1tan af ell cwnperehla bull~les ~~tod In lhfl npott To thbull but ctf tht Apprelearbull knowtodol~ sfd Hillel alt stttemenlbull and lnfarmotloh fn th~ roport 114 truo and bullbullmtal ~rtt tJe Apprel~ar h8t noc knovrngy wltllhtld ohV algnlneal1t lnfltJtrnatlon
4 All conlll~tnt end limiting ~ond1tlortt arbull GontalogtoJd hotoln limosbulld hy the termbull ol tha eoolgnmanl or by the LondtroiQnod olteotlngtlia anofJliOt Gplnloflt oond oonaluaonbull conralnad rn tha Fei)Ogtrlt
5 TNbull opproiulltpart has boon made In ~bullmforiTlty with ond Is oubreo( to tht ttqulr11lt1ampnto of tho Codamp of Pr~fassfanal Ethics end Stoinltlltls of Prolaolianal Conduort or thG bullpprnlssl GIQampnlznlant vmiddotlth whloh ~ha Al)rnlut Is afflneiad
8 All ooncluiliono end oplnlont concorrlno tlbulloo tatl aotbulltbull thst ort tet rarlflln tho apprUnl report ware prepari hv 1M Appralur whoto olgnoturo ooppoa on thltl ~tpproJI raport unlbullbullbull IMloatood a 11avltw Appralosr No ohenga of any Item 11 tho eppriiU~I t~port bullhall be mod~ by anyono othtt tluln ho Apptofnr ftnd lhamp Apprsleer ahall havo na rotponJbillly fer anv uah lttnouthodzed
ohbull~middot
CONTlNGllNT AND LIMITING CONDIIIOffil lt4rtlfialfllon of the Appraiser ~pp~lt~rtn11 In tM orppralsar roport Is subjaot to tna folfowlng oondttlons end to euoh other opecolrlo bullnciiiNJUng oondiHons u era aet forth bv Uo Ap(ltJieor in t~o rtport
1 The 1ppriHaer ~null4m M rslgtonslblijty for matte- of a legal neru affaotlng tha propampfV apptols~d or chbull titlt thbullrot~ not dcos tho Appralnr r~nltUt ~ny opinion bullbull to the tltlo whfh Is ftbull~m~d to bt good and matketnbt6 Tloa property appr41Ud es thouq h under tsspoleJbhbull ownerohfp
2 Anv tlltatoft In tlto r~tport may bullllow spproodmor~ dlmof$lona end fs lnolltlad Ia anlst th~ nad~r In oisuolfltlnQ th~ prop4ny 1M Apprsi~or hu made no svrvoy af tho proporly
a Thbull Appralosr io not qulrsd to ~lvamp tobulltiotiOl 01 appear in aouri bo~bullJIH of having m8damp thl appro1aal with ref~ ranco to Ute praportv in quetUcn unlaso arretlgemoobull ~avbull bbullon prlhi~raly mad OJ tftltmbullfor
4 Any dlbullttlbution of thltr valuation In lite rampport betwoen land nnd lmprovamtnts appfisf only urgtfar the malng prog~m af utiJI~otion The s-oparatbull valua11onbull tor lltnd ond b~lldlng tnuft not b~ Uliltld frt conjOncrioM with ShV aliter eppralslli and era invgtlld If to Uftd
5 Tha Appralut i~Jsumeo that thora ate no hlddon or un~ppsunt condlclono of thbull pt~p~ny eubactl ot strucntramp~ which waufd rendor It moro or lass vai1Jabi4 Tho Apprefs~r asournbullu 110 roponelblll1y tor tltr~h ctnditicent~bull or fM anglnaampring which rri~kt be required to discover auch fftctDn
8 Information ampS1iltnatet end o-piniont lurnlshed ra llta Apprai9et bullnd contained in tiN toport w~re obtornod hom ourebs oonsldmiddot orod reliolgtlo trd lgtnrtavad to bt truo and oorrect Howevar no rooponslbllitv fcrecrlllampey of eucl lome furnfohad tho Appraiser can bo BUUmod bv the Awrllsorr
1 Olactosuro of lite oontampnr oltho approJool ramppcrt fa gorned by 1ho9 Bvfbullwa ampnd fle~ul~1ions of rho protasnlonel ~pprohel orgbullnlshyl~tlona with which tno Ai=Pltbull~Gr is ~ffilialltd middot
4 Nafthor bullh nor bullny pert o( the CltltfG11 of tho tt~art Ot ~apy thet~of lincludino conolorolont oo to tho prop~~y vnfubull the identity of tnlt~ Approoor prohbulloiansl dlt~bulliglttlons r$loronc~ to ony jlrofQoslegtnill epplllal organiadono tho firm with which lho Approlnt ia connncttd) slutlt be u~od lot nny purpo~ lgty nnyoM but tho errant ~pooltl~d In tha repor tho bol~wor If approitol lu pnld by ~ovne tho mor1qo~aa or h$ Rtocurs erol nort)no morrgo~o lluurort conouitant profuofonsl dppraisef argnnllailtlmt any l~te or fllltlofllly optotovod finenol lne~tutian lny d~rgtbullrtmont agoncv or inttrumontaHy of doe Unt81 State9 or ~ny bullbull 01 lht Oishlot of Colutnbi~ without tfoe proviouo1 wrltttll oon~snt of tlo Approioar nobull bullhoU It bbull convbullvbulld by anyon~ to thbull Pltthll~ thiltlugh 8d~artiaibullltJ public rampIIIICiona news~ stflf or ocflor mbulldia wftfl)lft the writt111n CCnlont tl1id opprobull1d of Ula Appt~Sl~u~r
9 On 5iJ CJPDrehilll$ $Ubject to ~ldetactory cotnplrttlon rnparl or alt~ra1iDI9) thn epornlsnl -JCIrt ~~gtllf - ~r--~lt1slon Utl conHnmiddot gllnt upon coflyen1amption ol lho lflrevel)entl Ia a wnrkmanlik$ m-omr1Gr
BORROWER Dobkin
PROPERTY 6fl2() Lfdo Lnne rottr lleach ca 90803
Appraloorlbulll
YAioNbull~ FbullrrJt- MoM ~-m41~JULU-1 Fltlfm 1co~ n JJ~ 8~11
Dwyer Appraisal
Ftre No )illQ2_
~UP~~~~--------~-----------------~------------------------------------~p~~~ll~~~~e------middot----middot~------------------------------------~~---middotmiddot-----
f--Citv I~ Seilt~ CCUQ1 ~~middotlu---------~---~2i p_Codo_90ll3ltgt=-----~-__ Londer alASpound ~HioiTAii fUHltI~L tll27
AlPJlAISBi ClmTIFICAIIONS amp COMPLIANCE lllTH FIRRA REQUIREMFNlS
bull The puiJl1lle of thif f)Pgttlul b to estlllato hlr Harket Value as cleflnol In tho attamplthiod FHLK( fern 4J9of tt- bullbltrle deo~ribed real ~rty lhia appllliwt 1s f9r thamp SGt and txcl~ntv u1e of the ~e described ~~Cl l~tbull
lhta eAOreiL nay bo ~bulltd for federally ftlated rort~ lcall prrpous $bject to title XI o1 tho FIMnbullfbulll Insettuttcns Rtfon r~E~Wr) EllfGltcanetot Act of 1989 (IIAA61) The 1Mers1~ oppralter(a) aekrQtledg= ~flet thoy have rMd end Ydarstand tle Utfor arlfard$ of Proloslotw~l ~alool Prectf 1USIP 1 at they ~tocl end y bt atltndod 110lt1 tlre to tiM by thamp twrbullhal StIWdartfs gtard of the 4fgttaisal fonlatton ~rrl u trplenbted by IIOd 1nco~rsted fnto the oce (Off1oe of the CAlrtptrctltr of thamp Currency) ~Uqulatmiddot gtIU 1hla llgtrisampl QOIII)l with ilCC RegJlationt PSgtlt1 tfgte tlnl10~JI $tarderltls of Prof-teN~ P~cttca (IJSPtP)
the legal dorlptl011 9f tile prltlf)erty u ~on t~~ fi((t ~ of tMt t~R~rataal regtainod frm tha cnnty teK uunws riOOIds
middot ot-r ~rltgtd 11hlch ort eotiQred to ~ relloble- but Mt liJ(Irlltltoed Tho tot atgtd trs~t n~ lldar the aueuara par~L nlbller ~ra nsiIGIti lld~taly dtscriptlve ~ ~~ ot bull prtlbrirv~ry ti~lt report WIIoS rlaquoJUsted fron tb~ l~r bvt rltrt reeelv~ at the tiM llf loMe of this ~hsL
Th ~rlllampil$ eJtill8te af Nuaratgtle 1111rkttlng tine for ampAlje~ p~rty eelriltl~ ~hh the rlcetlng tiM shgtlm Cfl tht frolttt pogo It also rntated In the roment section en the nOOIICI ~ of tile lj)lltafaal
If tho tlbletta sa b val~ Is difforant thoR tite Estltcf valtJe t1~ val~ 11Hl bt stated in th ~te~oocfl btftlrl seetlcn of en rahal lepartlf thet are tne u~~e Qnly tigtQ aa 1 wlu~ 11 atatodA buH4fllQ Uldbullr ()()MtructOn ar In gtelaquolt of rqraquolra cr slttratfcns ll rerplre tilbull 1Ettita of llltrrktt vatbull lth tho ~~at~ 1albftct te box beilll chckocl Stlt thbull bac~ ptge of the ~pFn~iaal repon bull tha infanrat1et~
he scrpe of tMt flrahal frtoOlvod data oollettlon frcn vtltOIJa =r~t ta-fdered to be roliotblltJ 001 ~~ gvarantetd tn~ltdirg bst Li11itld to llblQ r~rd infec-t~Ltfa obta(hed flllfl hi lol COInty re=derbull Offiee Tll~ ll4tbQJfd1 t~oc Dmar local ttJttfple tlng a~vice1 buyen setteramp alli real ~t4te brQI(tra tooflrnotion Uo$ mt by ~ros~-cfleckirg fnfcr111tion ~ith tilt rorcu ntiCIlld middotthe llt~tultamp ere then repoltld fn the QWItlprfiltamp lrxirtftr~ on the bullr1lrel~l rtpOtt o~ ldd~lho pr1Mry data liOWCH bullrot provided the grid sectfoo lltfllt ap4U parnlb A phy$1cll 1npect1cn of tht fnt~tlor Itd exterior of the tlbject lrwerty 111 corjucte at ldltcl e thbull Epllraiter urilt t~o projlOrty l c~~loolated tlte orproJf-te l(fJare foe~ of l lvfrg amptea lhe ~raiamper tiiEtl ltIIcentltbull by tho fret
middot~h of tho laquot~~p~~rlblbulls ~nd tekh~ lIOtlta as to tMfr a~rrlftt ~leltol claquoldhioo for wul~tioo of their aolitiCII 11t ti~~e of salt
lhlre lilt~ rtl 11gt0141 pcraorat ~rty ttllfiS f1Mtut or tnt~rgb~t 1t~4 1101 notrolly ccnoidere bull part at tho rl MUte 1ncltdiod in i)raisod vatue of tht Pject ~rty My porKIIIl pr~rty iJ ~rteltl ltgtn l ttparete a6teldJ
the trltferbulllg~ed awratr(a) preaergtt end eertlfy thlrt~ (4) tt1e BProfoal auig1-t ~bull nat bas-M lt401 reqJtHIII nfnilltJil Vlluatflaquol eel fie valoetlro or tre owrltml Of toanBl etpiO)Wit of the appraiser wu rltrt oorditlmed OJgttO the awrabel produeii1Q a ~poet fie Jot or 10 1111lut vithfn a givon r9hgiJ CClfuru~ ~~t h rtGt d~~t qlCll en apprlhal prQdJclng a speelfie vatubull (D) amprp~t gten~atlltn ard fvtue eoplCY)lOnt Ire r-ot lasod ~ llllt~ leon lpPlicttioo h tppro~ed ltElnetlgtor the awrats rar any pelt(tl ~itlt
JOrerahlp intbullr~bullt In the ~ tqllaying the Gwrainr b rtla~~ to or hoa allj Wttrship or cthltr tlnncal lnterost 1rt eitller lxlildeobulldcvbulliper aeLler buoftr ror~e bttl~or Ct rtlt~l estate lltQk~r~~rsa (or a~y ~nM relatod to any of dlltr) irrol~ed in tNir~ti~ f) ihfoh this appntisal luu ~ raq1estod or utth th the l()t recalt nle or ratlnancfrg or irtY ll(OltIIty usid u a lttr11bte praportylogt thh epp-alsal ard (I) th lp9raiser h not ~~~o~are of tllf f~cta lhiltfl uould dtaqu~ify the frtn bcdng deelt to btt rwfeponrlltlft epprehel far ~rjlltI~H of $ltJQtion ~4S of th~ oee A9lotloo AOgulatiCgtlo
The IAdersignoltS apprainrCgt) h~relr ~ogtknltgttl~ ancl ~rtify that t~ltsy ar fbullJll) qBltliod ard Ogtltpqtetlt ly their training boltlge amp rience to f)rforll thh appr~hbulll II ~fter acltejgttallle of the ~tlgtrahol IHS lggtMt ald dullng the OJru of cordtlct f rg the ~wr~isal FPrampisr diac011ero tllilt tnoy ore rot fully ~t~ to jgtdrfor th owraiulthe ~ta~r will OOrjgtly vlth tht Coopetency ~ravtslcn SPAr
=-~--middot--~~_-=---------------__~----------===middot~
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6020 lido lane long beach ca - Google Maps Page I of I
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AREA CALCULATIONS SUMMARY LIVIN(fAR EA CALCULATIONS
A Area NarnD or Arlla Slza Totals Braallaquofcwn middot Subtotafa lt~ -~ 1bullgtR -
G[1 rirs 7middot1oor iISLOO n3-o ~ X 1400 2l1GDiil
htbulltiol St ill t Cll middot rfmiddotP70~ Hqza~ -50 -H9 25A l so
~ltgt enclobull~d Patio 4js1S US25 _ ~0 n 5o middotlH ~li tIIJIlWirt (A~i~ll_- Ul1cent0 llHOD -200 LDcent middot122 1)1)c -2 QC ~lll~ -l 0~A
l bull OQ ltmiddot middot5tao bull02 400L 200 ~ uoo 1G2 ~oc osl ~B )Q HoB
55~ X IIJ 24 2amp6 75L ~$0 X 4S so 1~1 ~ middotnA 600 X uso a onT I JSa us~ 16215
0 2 5D ua~ lCSSSO
N 1 DQ ~ Z7 10 2750
s -550 Hoo ~11100
-500 2lOU middot110D
Lllno__-----middot--middot-- l bulls2 ao
TOT1L LIVABLE (rounded) 2882 J _ middot~middot-middotmiddot bull
SKETCHAREA TABLE ADDENDUM liia No 3 2590 2
S llOfiOYIampICIIent
u ~~D~o~b~k~i~n~------------------~------------------------------------------1 Proptf1y iddr~Gs8
J 6020 Lido Lane E Cltv CoiJ~Iy Slate Zip Ccdbull
C~--L~o~n~~B~e~a~c~h~----------~L~o~a~A~n~e~l~e~s~----~C~a~middot----------------~9~0~8~0~3----~ T Andbullr
CHASE MANHATTAN FINANCIAL
nay1 1v1arliUl tH
~tl
t M Patiop A
t0 v e 3 Cltr SublmT~~ncun GruugooWino Ccllar M 1H AI E 3CJI IIa
N ~ r-a7bullT Ulil l s _- 10J
I btzr DliTlaans ubullK
E ~ -~1~
17
middot~ -U
T ~~r~~ H wtuc
H J j --- ~
= rr 1 i- il
ir lW
IC
Front of Propertybull
$0IE 11nth 18 Pampnt
M-rm r2(X)O
CAL~ULATIONS ADDENDvtVI Ale No 325902
=lrst l=loor (GIAt) Extamptlor Slalts (GLA1)
-~middot
A R E
ns~
-550
middot5 so -200
-200
aoo 100
oso ~ Ia
) 50
00
150
Hso too
-sso -soo
tbull
X X )(
)(
X X X X X X X X X )(
X X X
amp40~
IIJSO
uso noo noo 5100
~100
ta50
o uso uso uso uoo 2750
HOB
uoo )53 oo
lJlQ~D
-H9 25
~1na
middotUIOO
bulllZlOO
lOZOD
tD2 00
2125
tun 12H
Z1900
1UU
lOU$0
2750
bulllllOO
-tlOO
-tnoo
uoo X LOO oo
Totaf for Arna 298100 Total for Area llGOO
c A L c u l A T (
0 N s
Eneloaad Patio
400 X lG~SO X
30 X
(POR)
JO~O
110rt
20_0
middotmiddot
1200~
IOtfO
71 75shy
~sragujWtM C9llar bullmiddot (GAR)
H~Q X uoo 111)1 X uoo 1000 X loo Z400 X 100
1000 X 750
ucoo lHM
70LOQ
tUOO
1100
B R E A K D 0 w N
Total ror Aroa 4~625 Total for Area 133100
Paga I of I
SKETCHAREA TABLE ADDENDUM Fllolo 325902
S 8onvNbullrCIIan1 U Dobkin
Property Addrell 8 J 6020 Lido Lane
Ctty Cotlnty Stale Zip Cede
~~~--L~o~n~~B~e~a~c~h~------------=L~o~s~A~n~e~l~e~s~-----C~A~----------------~9~0~8~0-3~---lsndet
T Chase Manhattan Financial
ll
lie
2nd Level
~middot
aabull
A
UH
umiddot
I M p
0 R
v E M E
r s 3 lt = r i
$C~lE lfnch = 18fae
-middot ~t_~ ~middot AREA bALCULt TIONS
-4 ~middot SUMMARY
bull _middot ~ ~ LIVING 0REA CALCULATIONS
Ar~a Nama or Atea middotfoiais Subtotals
SIIICOJIS tloor
2tU so Y
middot ~~~middotao 2ll7~o
Bxtbullllor Stair-~~ cHon x us_o -lS175
~b To ll~lur jso~o vssa 50 ~l5L75
~Ck H~n~ 00 Spound SO 2~ 75
o~ck HI Z5 5 so o~o 264 75
PtDnt Daok 1000 IL90 ~ U$0
26SQ X JC~D
1-~middot X Jln~ 1 1
middot-middotmiddot bulll05Q X middotHso -2gtamp15
-uoo X n5 middot17Z ~0
-J so
-11~
X
X
oo lSo
-ll ~Q _u ~L oa ~ J uo _ oo 700 r 30 oo -21noo 100~ X lt oo bullt4LOG
---~--~middot--middot-middot--------
TOTAL LIVABLE (rounded) 2533J --~~ -shy ~~i~middotmiddot~middot_$-
~~middotmiddotmiddotmiddot gt-~ yo
CALCULATIONS ADDENDurv1
Flte 1o 325 9 0 2
Seoond Floor (GLA2) xterror Stairs (GIJ2)
nu X fSOQ 2H5Q 1100 X bulloc non middot550 X SQ -U4 75
bull554 X bullmiddotn bull1St 75
050 X Sl$0 Z375
sso X uo 2U75
nDO X UIO USD
250 X U50 ucu 10 X 3toa uo
-tftD X Hso ~27tU
ISOO )( uso -17250 bull]0 X p QQ -Jl 50
bull115 X L50 -~ ll
Total forArea 298188 Total for Araa QQOrJ
-~ middotc-imiddotOpatlToaglow (GLA) D$Ck middot~middot(POA)
oo X ]000 21000 1~50 X 1000 ~noo
J~OQ X ttoo HOQO
Total for Area 35000 Total for Arel 26500
~-middot Deck (PO~) front Oeck cPltRr middotmiddotmiddot
ll()C X s~so Ut~Q lZOG X tOQ uoo s ~u X zosc 112n too X so 2200
Totalfor Area ~ 29425 Total for Area middot 7000
A R E A
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I
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SKETCHAREA TABLE ADDENDUM FileNo 325902
S BommtCIIMI
J~--~D~o~b~k~i~n~----------------------------------------------------------------4l Prapampltly Addreta
J ~--~6~0~2~0~L~~~middotd~o~L~a~n~e~----~----------------~--------------~~~--~----~ Clly County Stille Zlp Code
~ ~--~L~o~n~~B~e~a~c~h~------~------~L~o~s~~A~n~e~l~e~s~------~C~A~-------------------9~0~8~0~3~_____ ltndetr Chase ~anhattan Financial
BayMarina
3 fi
3rd Level Upper Level
ll~
Front of Property
LIVING AREACALCUIATIONS Area
bull middototmiddot
Narri~Of Are~ ltmiddot
ar~takdowk ~
SUbtotara ~=-~--~7f middot1middot
GlAl rhlrbullt tlcoi 249487 111o tlSO ~2U25
Bdariot t~d = -931011 s oo 4 somiddot bulll2150
fnterLc~r ftaln -UlS sso d(SO -3$475
POR )rd rv~l frbull~ 2Hoa s~o Ho l61i 0 7S
lM Lavl De~k lt4 so so )lOQ l~4 00
150 X 25 oo 8~0
noo X 2J~~ HLO
-60~ llU -s~ no -~50 X 110 -JLSO
-s n~ X 5-S~ bull so
-115
uobull X
r
~so
7cent1) -middot )]
H2C
llo~ X Qo 19 00
1)~0 X lM -Hz~
TOTAL UVABLE (rounded)
FdtiIT nbullroJJ
CAL~ULATIONS ADDENDlslVI
llla No 3259 0 2
Third Floor GLA3 Exterior Stairs (GLA3)
2150 X 1150 22Hn 110~ X 900 I)(J
-~00 X _0 X uso uso
-l~bulln
-15415
~50 X U50 24$15 bullbull so X uoo J0400 J 50 X 1500 0750
17(10 X 2150 au so _co X nso uoo bull3~0 X bullbullbull o ~uso
-too X 550 -UScent
-175 X llo -Cll
110 1 X lDO lt2bull
Total fot Arel 248487 Total ror Area 9900
Interior Staln1 (GA3 arct LeVa~ Deck (POR
--middotmiddot middot bullmiddotmiddot-middot
I3 o X l$0 4125 J050 X 500 IUOO
JOO X noo 5100
Totat for Area 4725 Total for Area 23400
3rd Level Deck (POR)
11oo X a so lHbull iO
Total for Area t4450
t
Pogo 1 or 1
FcrothJxcct
Dwyer Appraisa[
PLAT MAP
reg
CALvULATIONS ADDENDurvl
Thftd Floor (QLA3 Exterior Stal01 (GIA3)
u~~ X u~o UU2~ llOfl- X oo 00
-~0 X uJo -U2~0
-~-~0 X UJQ -ntu s so X p so X middot~50 X
o l~ oo 2 oo
Hmiddot 10(00
Of~~
1700 X 2JU 3 so -Joo X 1$0 uoo -)SO X poo middotlSO
00 X $50 -H 50
bulllo75 X liO -su nobull X 10~ uu
Total for Area 249487 Total fat ArEII ggoo
lntarrotStalra (GlA3 3rd laval Oeck (FIORi ~if middotmiddot
u~o X l~o nH ]050 X 6 oo I~J 00
)00 X 1) oo Hoo
Total for Araa 4725 Total for Araa 23400
3rd Lgvsf Dock (POR middot
no~ X ~-middot0
Total for Area 14450
Dwyer Appraisal Praoor~v Dorhgttion Analvbulllbull UNIFORM RESIQENTIAl APPRAISAL REPORT foife No32~
middot-------1
middot~ Nole~ R1~ W IN t1tc1-l ~omJ~Wh11 ot chll ~ct~ad ut nK erhttred tlltW~ ~~ fbulloIOflbull
~ coiAMiNHlt 9Jbiost it Laat-lti the letwt sltlrt 11nla eottlt~r~ g~allty Htatiel ~HYhou~i rtlllmt
lrJruJze ll~Cil Fr-(RltCftsJ m-~~4middot~ bullHn lartb ~~ref lest Good Oampintenanct leveh Pltgtttooo=Lbull=---t
l shltooinQ I rbullLat61 ~~~---middot------~-----~-IJ ~SEiAlT~ AOOEI(WI f(]lt iDPTlregL_06TAlL~)
i oewrAAL oucmos EgtTfRIO~ QUMJbullTrQlf oiNOlllCIN DAampIIINT IIUIgtATlON ~ mt__ Mftfrofl tcrCr-el_ lllltb m___ bullmiddot~n ~- n ~ 0
SLCIIcu lhrgL__ amptfuNbullt e So 1b II F~ IIA cu COO - ~tUyen09___
T~IllatAnl ltaened middot- 3iSL-- Bet ~ Ctll~ Jl_______ VIIUbull ~--- []1 ~~~ 0U1Jft (91yhl Glrlr~bullo~ 1int~ Hgt_l ~mplrnp ~ Wltft ~-- ~n~O~middot- ~wll(~ Wtdoi11yenTfO ~~ on rtore laS_ bull IJL__~ I( --- 0~---____ P1QDP2Gd ltlrm _ e1111m1nt ~-_4ot-ed 011lbull~t poundntr ~-~-Y lpounds1- [i~----middot UMu lotfUtctillll amp-~ $crtcr-w ~ lffuttllm ~ Noted__ ~ -~ Erc11r (Nitltulltbulli
ADL lYra) 2 MbullrfuluH Heut 12middot----~--~JY~_IA~-----------~~JU~JA~---- ~~t~ ---shyrrrt ti Jt bull iY1U 1-2 NA WA IfA
-middot---=-------------~--------middot--------~middot-----------middotmiddotmiddot~--~middot---middot----middot----
--middot--~middot------middot--middot-----middotmiddot----------cmiddot-------~-------~---middot-------1 Dbull~reclbulllit~ttQtllrbull)llrltri4Mtlll(loj_tcf1oollt11itu~ottrQpobullhrw-Ko-t~nlhMkn-t bull~~t bulls Jn Gad_OVfratl ~tt~cp~~t 1tld~eit5 O
_$fflod Sflilrs bullr~ noted -~ubleo_t lrdicatEgt1 lus1s Mif)Qr then t~-t preamptir~~~~e-1 d tbull ih lAISor ie_ ~r(r01t J=tilt-fl ampnl FlflC8hiK~~t 110tgto1n tlre nru r~ Sypkally 1llartllteror~lttcrfrmt tj ne lxgtlltlbl due J~ t~ach cotoIUilHy irtfluco lhi bull ~middot Ld ~--q ro TgteOgtUr~b Lo eftqt on middot~ieets Vftlue or llrkamptelgtjtj Y Iiithin th Cs mr-lket~---t rJt~d mbulltktt CONfil~f4 td puw1hn01 in~ lrnlbullc(in Utbe-~ctlNltt trU r~udllQ foirn51~rtt Wrut tJtrd61ront tld (QK4uiYf amp~ft OONittai-~ j)_rla itabt__ amp ~)lt()bull bull4 rot pr~(ent fn th~ ~rM Silil9cta 1lrsotlng ttq lotlfd l_s in e~lt~amp of 6 trltrtrs h -~qr~ in thin r-cl9~ ~9 1idlt_i9 ~ri~~dly DJUQJlH~~ro qf~~itsbl~ fg htrl)tr gtricltlt WMbull ThlbulltJ~Yi~iftIA~t Rf~ ~middot thmllllum SltIJthem CUfomlb middot
Dwyer Appraisal
f w Ft~ll Mill- Ptnbull Mat lhl r f0Wt ICf ~bullhtHUent tnd OMe lpcNch fOff111111 In 1hJtbullbullot -middot-~-l (l)tt tlt~ are ft01t lllltSMll amp fllift bullbull ~l es fnf01111ltfm -~~---~-----~middotmiddotmiddot --~ shyby l~gtltal llltHdersconva~taltbull lgt~tn ~DEO Mlq~E~----
I f-qoy E-bullmiddotntlbullbull ~a8111$mies bull - bullbullbulld ~----~---llloo~n L1ll_sl81~ bull 1vlfl amptLmiddotr~t~ et lftw bullbull bullbullbullbullbull bull bull _ _pound1Clt=--i
~at A~bull-M lllr INO$dlt Wife bulllt~ Fuulbull Mtol
DMa bullr~tf~nfOtft M tr()lleo~~-1bull HVDNA PI~( ICampt1dbulldt1 0 Vbull 0 Ho Nbullnbull tl Wtrttnly llrampQIL
HNoapltlrtl lllEIU~-----~--~---------1 Wnnll C016tqe EIM
~DICiTeO VAlUF BY SAIES COMPAAJSON APPROACH bullbull bullbull bullbull bull bulloiCAUlJ VJIILU IIY 1~twt APiiOAIA r1 Ap~eitlt~ t1dMilN trl-fIUI ~ $ ___)j[lJ~--- ~ K Otbullbullbull rt1nt ~IIPihr N bull bull ----~---J NIIIPfrJiut it mamp no abull 0 bullutf~t ID tr tepti-1 IIIOtbulltic-INIf(litll 01 ro~lliorwllIM lnl~rW 0 EGM~bull~ IU plttlll ant
b IQCtthai It bKampIIfl~ IM bull~t r~qitorntt~tbull~ IN-vtllloKft-laMIAJ+11 tMJ~tf~eod~41111 tMMbullriramplt ltf-t 6trrnh~ ttwt Jbullawtampt~ In
] frrtA UUO amplor VA lrat~ilo~ J lrc~rt Mbull~hmiddotM UO ltfn iJ9tlfiftntiMKFrm 008 at-1~J Old11~~~~ 16__
1EI PI ~Tpound 111pound MIXH VALVC A9 Drlmpound0 OF tff SUillCT PADIt~lY A9 or ___sW~----middot~ ~~~ bullbulligto I
IMII -M4eletBJ hrn t(bull ttw ttICI CbullWltCI tNt I (we) Mlt~lllllyhtptctef ~tt uPtcl PI7Mrtr ba1h lltlde td4bull1T
thJ r-t~r lttNt lt-Mt I ~ ltttt la Vol$4knd ntt~r rf41$rlt cbull ~~~~IJt-~11yenbull hetn
PtY-pryen161~----------middot--- Omd Ooi1N~l 6r Jtgtll~bulltwl NA-JE ~~ PrsoM~
Dwyer Appraisal SALES COMPARISON ANALYSIS
IIC9
Dwyer Appraisal SAlES COMPARISON ANALYSIS
Dwyer Appraisal
----~----------------~iltNDJmiddot -~~~Do~bw~~in~--~--------- --------------middot-----------------------shy
~~~Q~L~i~d~ok~La~nwe~---------------------------------~~----~~ 5lt11lJmlg~ Cg~nlty Lof 6ngele_amp__~_____s2Jtn11 Ca 2jp Codo 9Q80l
Ltncfo CilASE MANHATTAN FINANCIAL C02
AOOITIONAL MARW DATA OOMMENTS
omparab~es H4 5 and 6 were s~leeted f~ the Lido Isle area of Ne~rt Beach Although Lldo Isle s substantiaLly further south ot subject the island of Lldo baa stmllar eharacterlselea is not ttad and eorudderad sllllilar in overall market appeal
Jmparable U4 and Co~rabla 6 are both very s~ltar to subject in livlrtg area and the large lot lre Their location on the island and their bay)hnbor vbv is vary tmilsr to 3Ubjeots Large ~just~enta W6re not nacessa~y and thaae to cnmparablea are given considerable weight
~~able 05 has tnferior lot utility as well as living area ~ich raquired adjustment but tha Law was couaiderad s1mlar All three opound theaa co~arablu reflect similar construction quality 1d we~allmiddot marlcet lppeal
lmparables 7 8 and 9 are the beat of eu~ant liatinta avallable on the Naplaa islan~ within ose prOltilllity to subject Although they reflect construction quality and conditiOn more similar 1 aubject their inferior lot si~es snd utilit7 at vsll as living area required substantial ljuatments Current llstings are fumfslud to demonat~ate the upper 1~t opound value for the tbjee~bulla nampiahborhood Adjustments 1n the grid section reflect the approximate sates to lat middottee pereentaga probull1lded by the local Multip~e Listing Sarvice
DNyer Appraisal
___fgJ~~lri Proa rtv Addrau ~ ld9 tBM -~middot County lolll~tt ___J~ Zie Clllt ~
LKndet ClUE ~~ltATTolll fiiWICtAL (JIQ
AIgtDINDUM TO APPRAISAL
Ojt 1 loeaud witlbullitl t~e city lln1t~ of ~ Bead) Callt~fa IOrll Seech h toutod llgtrodnaUly 239 nie$ ~h o1 lA~ Jgamplu the ~llty seu o1 10 lneles CCUty The pl9atnt J~QpJlat fQl o1 lAtl Bead h lllPIgtthattly COO vi thin It 4971 tlll~ lle~ lhe ci~y Is bGrdered laquo1 the U)rth by lampblootl the $dfltf1 by u Pacific Ooeltl tl14 Vet by Olr5Qrl Std Latlta lld the East by Sql bullad end los Al~ltoa (OriJQe toTJtygt tt ia eUo bordered en ~flo lleat by tfle lcni Beldt CT10) FrtltMtf tlo llorth by the Sen Dieogt middot-y lmiddot~) allll the Salt by tiM san ~lot Rlwr F-y (I-60$) OottVtlertt 1~y middot~-s II I hlcflly lrelgtlo ftaturo tor bullbullfdlnts otto ~rte t the a~bull
thougl1 the city Is plfnar1ly 11 ruldtntal tQOUfty a stbsturtlat prtl01 a1 lWld 11114 Hsllfved tor trdJstrlal ~iat lit( Dfflcbull rtldlltiJS u~o lfajlaquoo siqlflllll COIIpltxa are acated th~t tte ity Cbulllitorni State llnlwrslty Wid IDrg Belich City t6lloge ere bulleated ln toog ampMch amp~ill to loroer Prb ale SQItttrod tnrl)jgcJt the city far tile re~oation usa of the resldoota
e fident1~l ~Xltmnides bullrbull cha~ttertlect lfith a 111Xtlltll of restdlltialvi~s tqing fll arell oldt loxl frlllle airqlamp fenily ~as ta l11rger1 rltNOt1 ~ra ~rn trset t~ txbulltng wlli~h bullr~ ~~lble ciJo to tke 11o1t11tt aitt fnfucn~
lje-ct t Lacatod In tJo SCYtbeat coMer of ltng Be~cit in ao arM alown u Naplu llpl03 h an iamplencl In tl1e eorttr of e 10g Botsch rfna and 1a IICicnuble fr011 he Ean bullnd tloe lint by Sa=d Stlttlt
bull rntigbolflood OOil4itU of avetbilebullgood ~bullelHy 01111-thrltlltl story detadled houus rliIQitgtg 1n elze frltn 1100 to SOCO ~~ ftet -r aecltou h appiQKItoly thrlt111 niles tut nt Nifborlood ml~ good lntwnt llt~ela Scxgth WwiJ ald rtlatd Vi~es orbull ~tntly QcaUd to the p~rty tie botlrdarl of t1le nefgfilomood ~~ct~ld ~ tM hlsnd faelf
~ faUna ts a hidllY dtagtle Gnd pre3tfolcus pllcente to Ulltt ltm Its grtat locatm j pttgtltity to tte ~at=r Tte lota arrood tilamp 1bullifOlter ot th4 itnf havt tJc3t dock to tile Net liUh tM obtfty to 1c~tt 50bull60 +ya-tu Dnttra of th4se ~~ have dlre~~ eocua
thofr OOta fred the r~r af tht pfQletty will ch can thelt be Moiuted thJQUdh tho ~ l cut to the Pat Ifie Olelaquol the hmu lrltMd bull l)fgtrf~teter olIIO hlve ~llent vie~~S of t1e bly 1d eft) llihta For ruldmh COl 1nte~lot Lab 1t It ltny a lllort walk to llfll of tlw V4te bcl-et tr the tidents and tMbullM prtl to w~ llcmu cr1 fnterlor tot t)l)1colly r-arg= In 1181114 11011 $150reg to ~tn)r
e~ the por11Mter ~th llllter frcntiiJI tgtP1ealty r~r99 fiQ1 SVXOOCO )Igt StOOCOOI- Thbull t~ In the IJJH b tC71Mrd~ the rexJHdlrg Otititien to rrdor ccnptota HnOcletlng of all otdeJ heriot tile hond ampooQ tM gtltltfMUI odjKeot to thamp bllltld Th1a trend
~~ltthelt-- tile rtobilfty of Mrka~ lamplue$ in the aNa
Dwyer Appraisal
Filo No
_B2~ttSilpn1 COOle In
Pbullbulluru l~st 8l20 Lido L)) Cllpound~~cfl C~llL2~bullLa Uabull c 2Q~ltIdbull ~
~middot----lendbullr CHAS ttAHKTrAN FIIIANCIAL tW
ADDENDUM TO APPRAISAL
XTERIOR FEATURES rtOIIltlc (ltIn tbtrs) $prinkler ampy$Ctn tn jrllrlt amprr yafltlp
wltold amp gottd llfltry to tht front dltlor provd~ privacy at 1141 u a frcnt patio for lddhiltt111l fbullnctio-at utility oblld p lltltert in t~ frltnt amp r r yard 1sta1 dr111CIIIIY Ia nade of aalld flags~
~~ front porch is~ of solid fl~tONO
111r yard enoleooed ootith a~middot hi~ btoek ~lt Thh proYidlte9 aitiONJ~ ueurty li~t obstru~tlng tile bay vie~~
CJJbulltltlll luilt bullPI in tte frat QQ(Itt)llrd bull 11 patio bullnbull elso hu 1 bulltmiddotfn 18Vfi~ft
lttio a~s t~s tM r of 1lltJ- b llco(e of solid fl]ttltllo
rt of the riNr patio 1~ It CfMbullrltJd by ttl~ seoni lelto~ol dedc
~TERIOR FEATURES JIIIStDIIII ftcarlng In MtJY hltJllnlf I t~~ m thegt 1bullt Uvl 1 sCCIId lbullvbulll Is all 2~~qJare 1111rblt YilOltXf qJJotty eubulltat e~gtrprtitiQ th~ the root of th om Item h~~~ qUII ity Stow-oo ayttn tlulCIltt the ~
J Cfllllity hcurlt) syatern th~t Joillltfl ta dNgt~t disl to a sacu~lty JK~nltorl~ Jbullrv1 ce nt~t len shutters thr~ tcglt~thar wf th 6tioer CtJbulltOltI ulndr1t eowri~bullmiddot
etaold llV~IJl9 dl~t -t prflllr) rcons ord t~Llolllys
to 12 ooilirQS tb~ ltlOSt Of tho hi3e bullll~tbull ere ptaced bulltrateic~lty thrctllflalt taD IClWII mot41t~t tlvalgtool tht houso rn tfoe addltOfll bedJQOM JtiiIOfef Uo((frdle dltxgtrt rt is 1lao a Mp~Jrato wine ltollar gt1ich h tlle~tatiClltly t~rswro I ~lfrate taltrollcd h a lourdry chute fiOIf tl~ llpl)r tel(a) to the lalndry ~ ~~~ at t_ lCooer lemiddot~L
TCHEN ot~rtopamp In fctttMn are tolid ~rooite
itOOltI flco~iJ In kitclen i nd area
Jlll~ cOltok~ aU othe~ top ctlIQIty lilltes amp fl~t~res und In tnt ktt~ as OMlL as the bullbullbullt of tho hoobullbull amp il a ampefgt6rete fet at thbull kitchen sl~k for inseartt hot lllltiH
- is a mr~ 114kmiddottn jlllftry lttich h bull very ~lrabla fbullbullturt usUIlly fafd In larlts rn tMt t~
bulle h IJ lalge built-In ref~ig9flltalt-tob-zero 1reeter lith the front ps~elamp Mtchlrg Uo cablrgtlttJY I~ the kltclltn
lULV ROOM fQnfly rogtOfllllls its on firqJlace
STER BEDROOM amp BATH llll$ter gtlaquo110011 fs Vol) ~paclobull tltch fa a typieal fcatTJre for thi~ ~ amp ptloe ~of ro ~ h a sittlrq area or retret~ at ltgt1~ End of th~ lliISter beiroott taster bedRltln has ita firepllaquocentB lotlfch h triliiTed 1(111 norlle l~ tlt~ ftooriJ9 thJt1-IGhJt JMst~r bath rzi tlb in IllS ter bath 1 ampt-alor wt th clxibte shltloer hctado
h a t6r~ llalk-in cloet in bull~tr trooo 11tt~ buHtmiddotin orgbullniz amp ol-olve$ Le amrcqJI In rraquottor bllthCan
lNG ROOMDINING ROOM -o 12 ceHI~ in Uvl19 ~ tving roar h11 it 1$ Qllll ffrplate llttici a tr-fmoeltf uith rarblo ont co t~o dinllg roro thQr h a bar rem JJth e w$lkmiddotbehtrrl llH bgtr th~ 1aro1ly ftJoCt1 with a luilt-fn ref~t~rator amp fc Jor n stulptulOd c1rpetlrq in the livfhJ roato ard lldJont trca3
IA(E bull~biO n qood qtelity ~Llmiddotup rr- doors wHh liample dcor qJltn~rs bullilirqbull amp ~alls in the qgtragbull are finiohelti ot ~bullt~r ~tor hltla a rbullmiddotelrwlbulltlf ~ lottich plOIbulli~centamp notMt hgtt lf~ter to praoticany ort(tero t~ the hOJs~ 11t to tbe 90rigc la 8 ~tre cellar middot-et ba- liN 112 bllth
~-===~----
Dwyer Appraisal
-iUPt-~~JL__ lroarty 6lt1bull~11 (lRtJ lob le
~~altl Cauntv~~ sra~ C4 II a~e lalll Lande1 OIA$E rtNII4TfAN FIIWICW eolt1
ADOitNDUM TO APPRAISAL
lnal Reconciliation
bullr Nl$ llo 1blo Reccrd5 $~bjeot has nat ~euro11 ~fated or told tn the pKt 12 rrcntlts ampnd h nat pr~$llntly listed
te nat cttampttt bull~u activity tn touthHrt california II e11p1rfenoif9 Lilli ted aetlvh~ dUo to a tlt~gglah OltOOft lotile ptql~rty vallo$ pear to llttve lttoclfne tn eore 11rtas other etelt~t are ~~le $ tlaquoM areas hll aGtuelly lncnut fn vat~ A pertloular llef~barlold fVIf Prfmce lhat ~r$ to be Iii t~~ary cleltline fn ~talue ldoltrt nveral ~r-s 1eve an wgent nHd ta aell lara aU ~t1rq for thl middot111hed nlnigtor of bitter~ llll~gtfbble Thfa h -ftered to be bull telpOnoryo aftuatfcn lohfch will oorreet Itself 4hen tM tOIIIXIral) Ooert~ly ~ b ebtorbod amp detend fncr111nJn bull111~ Ioiii~ hllgtl~ txperferncd laljle orplO)lMt ~ffa or oloVte of lalfe renufacturi~ plllt1t e rtcwery petofod formiddotp~ty v1tlut $ thl stobHlzatlcn of ~lfmng Yll~ claquo~lltl be atttantloUyiClIQltr amp lOft sown thon tEIIIlOrsry
this CQldltfltll is ratld or ena arprmf~r h ~$rt of It I~ l$ ~tod en bo amplfSl8rat~ adclrldln Nrefn middot
thh 11sprabal anfgrncntcal4ful ~~IGltI ot all curlltrt Mrket dllta wu conafltlerod ~llfch inclLdcd analy~1a ot cu~rmt ll$tlngs penii~ les aa wll ~ tJqtrld and -l~ lhtt~ P~lng aales 1rot~ltlthn 1 gfvm ratkat ar~ can rerg in vamplue wbst~ietly ~lng lfv~rQ area rccn cortt anenlties ncltrlng view or lllcc ot Vflll and 1q~~ta ~ ~tfa1 lf there litre pending MlM ~tlfdl N aio~~llal to subject In ovtral~ rarket Ollll4St1 cne Of~ of thtsa ~fng sslobull Mite beelt fncl~ fn thh tltport rt there 1111r1 no liHir per-ding ales ptnd111J alet lhich ~ltere not silttlar Ore not Usqd lhe u o1 ranbulltlnf lor Mles ~oWld Tlt~qJire thm vn of excQsfva 1 etbjetiw adjus~s leodfog illes 11119 adequE~tely teflect curr41lt ltlrklot derltJltf ~Mingo les of ptepcrtles stnflar to stbject at fees l~r thlo rtelt closed sal are gfwn tho roampt lieigntPendfng 14~ laquo f~gtlltr ~rtles hil1ltr prt-1lt1 than r~t eland sales 1 g1v151 o~~fniMl wf~t sin- tie~bull fa bull poulbllftl tlllt thay ftlt nat clo~e aaerou for a VarfOU IIUber of reafiOM
led ales withfll thl jlolst 30~ drtt aramp IIOlt raLteble alllcento tMy hlrw ctOltHQ amp Urrt are -t recent II tllo ebtenca qf reltenC eloeed gtendfngo satu 111 ~mtyenab f CM~ llstlnga ws also ~~ted ~in thitrt 1M be a llidbull ta~ t valuoa -llllble tor Uatl~a far 1 lfll~ tf abooa llstrga prlcad out ltgtt llfoat ~rata be reailcrollbltt range of wlut Wllftt not ccnalderol ~ und In tht rtthey hlaquovtt btco adJusted to t-4 prebogtlt ~~Gmntlllit a1 Mlt ta liat pric es reparteltt by tile Local 1Jltiplamp ~ittliG Service Further iuatmnts aN then ~eased en teatur~a coodftlcn etcent Hfnltral ~tight h given to t fatfnga ampitgtU they tore clrly d~trate til ~ lfroft of value for PtQPa~ths tfllilar to Sllbjet~t ftOir stbjeets narlcat Gru ~ are hMfr tile ro~t CYrrllt deta a~~ampftabl~ If cne t110 lfetlrgs 1evt nat ~ inotude In thl$ rtp~rt fn lieu of peldiJ sale t I$ becaue~ tfl~u ~bull nane ampYallabl~ coosldotrod to ba 1flar to stbullbject 1Qn-slllllor properttampS IIQIIld agin rltUir~ tM u- ot egtltltauw ZII1CIor Oj~t altljuatts tl1cn ckfeet th~ p~rpase Or bull eo~rabte t~lamp middot
middotmiddot====== =======~=--~----middot---bullmiddotmiddot-----middotmiddotmiddotmiddotmiddot~middotN---middotmiddotmiddot
FotbullN 32590~ DEFINITION OF MARKET VALUPIhe mott probaWo pric~ which amiddotpraporty ohOltifd brlnqin e bullampolfdve bull~d opbullnmorlltel undor ~~ conditions requltitbull to 11 loir oolo tho buyer ancl eampllor eech bullbull1ino prudently knltHYiodgubly and usurntng tht prloo Ebull not eHOlttAd bv undUltI inwus lmJ)iiclt In thlr dofini1lon the ltltgtMUmtn~tion ol bull af IPIltlifled deto Dnd thl poaslng or tidt ltom bullaJiar co buyer under oon4itlont wh~ttobY (1) buyor and wolltr ero Lyploanv motlvalltld 421 both panJsl art wnll infom~ed or 1dYid bullnd uch acting In who ha eonsidorbull M1t awn bs~t lntereot Ill bull roaaorlbullblo timamp is nllowod lor poevroln tho Ol)llt mabullbtl (41 lIY ibull medo in torms of ~bullbullh lrl u $ dollarbull 01 In tturno or flnonolel ~1111810nts oornp~rlbfo thereto artd (5) thogt ptlco lipiUIIItl rho normal caideratiltJn lor tha prop$ry aotd unefftc~od lly spociBI ot eroatlve nnancfng or ur ooWluslona bull granCed lly envone asbull soclarlld with the bullnit
bull Ad)ubulllmampolto to the acmp~roamplot mu~t be mede f~l 8ptclelat cres1iV9 finannlng or tlt~loa ooAonsiltgt~ No sdjuWYents bullrbull nao~orv
for tlto oo9t9 which ato 11ormally peid bv ttllilre 11 bull roeult ar trtdltlon or lew ln bull mrkot arbullbulll Ultse coots arerudlly ld911UII11No tlflus tht 1sller peya tMtt oootl In Yirtually ell eltlet tr~ntaotiant SPJclel ot orutlv liMnolng adU~tmontt can bt rnocle to the oommiddot plrable proportv ily aomptlisont to financing termbull offered by a third psrty instituric~lllandor thai io not afmtdv lnvclvad In tht propshyortv or trantecrlon Any Olltfjua~tnent aPtould not bm talaulartd on 1 meltgthbullnloel dollor for dollsr cabullt of tho ilnsnclng or oltmcot~lon but th~ dollar amtount of anv ad)ubulltmont ehtould apprlgtlCimato tht Markatbull rltbullaotlon to thl tlnonclnltr or ccncetlone baood on th~ onJ~Ufjorbull judgmeot
CltRTlFICATION AND STATEMENT OF LIMITING CONDITrONS CERTIFICATlON Thl Apprlliter ~artlllampbull ana reea thogtt
1 The Appr~llttr lult M prou11t or contemplollbulld futlire intorebulll in tJoe prcpbulllllbullpprlitampltl ~ncMithar lhs omJ)JO(mont to mako lite oppraluf nor he oom~~uutlon lor It Ia oantlngenf upon tho ejlpi~lbullad value of ho prGperrmiddotr
~ Thbull Apprmbullor hebull no paortallnter~al In or bias wfth repaot to th~ eubjogtet mtlter ol tho apptolool repo~ or tho pnr11clpanto 10 th oalo Tho eetlmlltt or Mor~at Vo11e In the lljlpraiul roport Iamp not ba~ In whola or In palt llpon the reco color or natlcn-lcHgin of thbull prcapoclfiM owMrs or ooouponl8 ol thapropJrlf eppralsod or u)on the taon ocor or notional origin of tho praunt ownoro or oocupantbull ol lito propartioe In t~ vfclnll( of rh~ IHGporty apprafbullad
3 Tho Appralttr hoe l)oroan~lly lntpeotad Utltl propwrty bolh lnaldbull ttnd a~r arltl ~ madbull an ooxurlot in1ptc1tan af ell cwnperehla bull~les ~~tod In lhfl npott To thbull but ctf tht Apprelearbull knowtodol~ sfd Hillel alt stttemenlbull and lnfarmotloh fn th~ roport 114 truo and bullbullmtal ~rtt tJe Apprel~ar h8t noc knovrngy wltllhtld ohV algnlneal1t lnfltJtrnatlon
4 All conlll~tnt end limiting ~ond1tlortt arbull GontalogtoJd hotoln limosbulld hy the termbull ol tha eoolgnmanl or by the LondtroiQnod olteotlngtlia anofJliOt Gplnloflt oond oonaluaonbull conralnad rn tha Fei)Ogtrlt
5 TNbull opproiulltpart has boon made In ~bullmforiTlty with ond Is oubreo( to tht ttqulr11lt1ampnto of tho Codamp of Pr~fassfanal Ethics end Stoinltlltls of Prolaolianal Conduort or thG bullpprnlssl GIQampnlznlant vmiddotlth whloh ~ha Al)rnlut Is afflneiad
8 All ooncluiliono end oplnlont concorrlno tlbulloo tatl aotbulltbull thst ort tet rarlflln tho apprUnl report ware prepari hv 1M Appralur whoto olgnoturo ooppoa on thltl ~tpproJI raport unlbullbullbull IMloatood a 11avltw Appralosr No ohenga of any Item 11 tho eppriiU~I t~port bullhall be mod~ by anyono othtt tluln ho Apptofnr ftnd lhamp Apprsleer ahall havo na rotponJbillly fer anv uah lttnouthodzed
ohbull~middot
CONTlNGllNT AND LIMITING CONDIIIOffil lt4rtlfialfllon of the Appraiser ~pp~lt~rtn11 In tM orppralsar roport Is subjaot to tna folfowlng oondttlons end to euoh other opecolrlo bullnciiiNJUng oondiHons u era aet forth bv Uo Ap(ltJieor in t~o rtport
1 The 1ppriHaer ~null4m M rslgtonslblijty for matte- of a legal neru affaotlng tha propampfV apptols~d or chbull titlt thbullrot~ not dcos tho Appralnr r~nltUt ~ny opinion bullbull to the tltlo whfh Is ftbull~m~d to bt good and matketnbt6 Tloa property appr41Ud es thouq h under tsspoleJbhbull ownerohfp
2 Anv tlltatoft In tlto r~tport may bullllow spproodmor~ dlmof$lona end fs lnolltlad Ia anlst th~ nad~r In oisuolfltlnQ th~ prop4ny 1M Apprsi~or hu made no svrvoy af tho proporly
a Thbull Appralosr io not qulrsd to ~lvamp tobulltiotiOl 01 appear in aouri bo~bullJIH of having m8damp thl appro1aal with ref~ ranco to Ute praportv in quetUcn unlaso arretlgemoobull ~avbull bbullon prlhi~raly mad OJ tftltmbullfor
4 Any dlbullttlbution of thltr valuation In lite rampport betwoen land nnd lmprovamtnts appfisf only urgtfar the malng prog~m af utiJI~otion The s-oparatbull valua11onbull tor lltnd ond b~lldlng tnuft not b~ Uliltld frt conjOncrioM with ShV aliter eppralslli and era invgtlld If to Uftd
5 Tha Appralut i~Jsumeo that thora ate no hlddon or un~ppsunt condlclono of thbull pt~p~ny eubactl ot strucntramp~ which waufd rendor It moro or lass vai1Jabi4 Tho Apprefs~r asournbullu 110 roponelblll1y tor tltr~h ctnditicent~bull or fM anglnaampring which rri~kt be required to discover auch fftctDn
8 Information ampS1iltnatet end o-piniont lurnlshed ra llta Apprai9et bullnd contained in tiN toport w~re obtornod hom ourebs oonsldmiddot orod reliolgtlo trd lgtnrtavad to bt truo and oorrect Howevar no rooponslbllitv fcrecrlllampey of eucl lome furnfohad tho Appraiser can bo BUUmod bv the Awrllsorr
1 Olactosuro of lite oontampnr oltho approJool ramppcrt fa gorned by 1ho9 Bvfbullwa ampnd fle~ul~1ions of rho protasnlonel ~pprohel orgbullnlshyl~tlona with which tno Ai=Pltbull~Gr is ~ffilialltd middot
4 Nafthor bullh nor bullny pert o( the CltltfG11 of tho tt~art Ot ~apy thet~of lincludino conolorolont oo to tho prop~~y vnfubull the identity of tnlt~ Approoor prohbulloiansl dlt~bulliglttlons r$loronc~ to ony jlrofQoslegtnill epplllal organiadono tho firm with which lho Approlnt ia connncttd) slutlt be u~od lot nny purpo~ lgty nnyoM but tho errant ~pooltl~d In tha repor tho bol~wor If approitol lu pnld by ~ovne tho mor1qo~aa or h$ Rtocurs erol nort)no morrgo~o lluurort conouitant profuofonsl dppraisef argnnllailtlmt any l~te or fllltlofllly optotovod finenol lne~tutian lny d~rgtbullrtmont agoncv or inttrumontaHy of doe Unt81 State9 or ~ny bullbull 01 lht Oishlot of Colutnbi~ without tfoe proviouo1 wrltttll oon~snt of tlo Approioar nobull bullhoU It bbull convbullvbulld by anyon~ to thbull Pltthll~ thiltlugh 8d~artiaibullltJ public rampIIIICiona news~ stflf or ocflor mbulldia wftfl)lft the writt111n CCnlont tl1id opprobull1d of Ula Appt~Sl~u~r
9 On 5iJ CJPDrehilll$ $Ubject to ~ldetactory cotnplrttlon rnparl or alt~ra1iDI9) thn epornlsnl -JCIrt ~~gtllf - ~r--~lt1slon Utl conHnmiddot gllnt upon coflyen1amption ol lho lflrevel)entl Ia a wnrkmanlik$ m-omr1Gr
BORROWER Dobkin
PROPERTY 6fl2() Lfdo Lnne rottr lleach ca 90803
Appraloorlbulll
YAioNbull~ FbullrrJt- MoM ~-m41~JULU-1 Fltlfm 1co~ n JJ~ 8~11
Dwyer Appraisal
Ftre No )illQ2_
~UP~~~~--------~-----------------~------------------------------------~p~~~ll~~~~e------middot----middot~------------------------------------~~---middotmiddot-----
f--Citv I~ Seilt~ CCUQ1 ~~middotlu---------~---~2i p_Codo_90ll3ltgt=-----~-__ Londer alASpound ~HioiTAii fUHltI~L tll27
AlPJlAISBi ClmTIFICAIIONS amp COMPLIANCE lllTH FIRRA REQUIREMFNlS
bull The puiJl1lle of thif f)Pgttlul b to estlllato hlr Harket Value as cleflnol In tho attamplthiod FHLK( fern 4J9of tt- bullbltrle deo~ribed real ~rty lhia appllliwt 1s f9r thamp SGt and txcl~ntv u1e of the ~e described ~~Cl l~tbull
lhta eAOreiL nay bo ~bulltd for federally ftlated rort~ lcall prrpous $bject to title XI o1 tho FIMnbullfbulll Insettuttcns Rtfon r~E~Wr) EllfGltcanetot Act of 1989 (IIAA61) The 1Mers1~ oppralter(a) aekrQtledg= ~flet thoy have rMd end Ydarstand tle Utfor arlfard$ of Proloslotw~l ~alool Prectf 1USIP 1 at they ~tocl end y bt atltndod 110lt1 tlre to tiM by thamp twrbullhal StIWdartfs gtard of the 4fgttaisal fonlatton ~rrl u trplenbted by IIOd 1nco~rsted fnto the oce (Off1oe of the CAlrtptrctltr of thamp Currency) ~Uqulatmiddot gtIU 1hla llgtrisampl QOIII)l with ilCC RegJlationt PSgtlt1 tfgte tlnl10~JI $tarderltls of Prof-teN~ P~cttca (IJSPtP)
the legal dorlptl011 9f tile prltlf)erty u ~on t~~ fi((t ~ of tMt t~R~rataal regtainod frm tha cnnty teK uunws riOOIds
middot ot-r ~rltgtd 11hlch ort eotiQred to ~ relloble- but Mt liJ(Irlltltoed Tho tot atgtd trs~t n~ lldar the aueuara par~L nlbller ~ra nsiIGIti lld~taly dtscriptlve ~ ~~ ot bull prtlbrirv~ry ti~lt report WIIoS rlaquoJUsted fron tb~ l~r bvt rltrt reeelv~ at the tiM llf loMe of this ~hsL
Th ~rlllampil$ eJtill8te af Nuaratgtle 1111rkttlng tine for ampAlje~ p~rty eelriltl~ ~hh the rlcetlng tiM shgtlm Cfl tht frolttt pogo It also rntated In the roment section en the nOOIICI ~ of tile lj)lltafaal
If tho tlbletta sa b val~ Is difforant thoR tite Estltcf valtJe t1~ val~ 11Hl bt stated in th ~te~oocfl btftlrl seetlcn of en rahal lepartlf thet are tne u~~e Qnly tigtQ aa 1 wlu~ 11 atatodA buH4fllQ Uldbullr ()()MtructOn ar In gtelaquolt of rqraquolra cr slttratfcns ll rerplre tilbull 1Ettita of llltrrktt vatbull lth tho ~~at~ 1albftct te box beilll chckocl Stlt thbull bac~ ptge of the ~pFn~iaal repon bull tha infanrat1et~
he scrpe of tMt flrahal frtoOlvod data oollettlon frcn vtltOIJa =r~t ta-fdered to be roliotblltJ 001 ~~ gvarantetd tn~ltdirg bst Li11itld to llblQ r~rd infec-t~Ltfa obta(hed flllfl hi lol COInty re=derbull Offiee Tll~ ll4tbQJfd1 t~oc Dmar local ttJttfple tlng a~vice1 buyen setteramp alli real ~t4te brQI(tra tooflrnotion Uo$ mt by ~ros~-cfleckirg fnfcr111tion ~ith tilt rorcu ntiCIlld middotthe llt~tultamp ere then repoltld fn the QWItlprfiltamp lrxirtftr~ on the bullr1lrel~l rtpOtt o~ ldd~lho pr1Mry data liOWCH bullrot provided the grid sectfoo lltfllt ap4U parnlb A phy$1cll 1npect1cn of tht fnt~tlor Itd exterior of the tlbject lrwerty 111 corjucte at ldltcl e thbull Epllraiter urilt t~o projlOrty l c~~loolated tlte orproJf-te l(fJare foe~ of l lvfrg amptea lhe ~raiamper tiiEtl ltIIcentltbull by tho fret
middot~h of tho laquot~~p~~rlblbulls ~nd tekh~ lIOtlta as to tMfr a~rrlftt ~leltol claquoldhioo for wul~tioo of their aolitiCII 11t ti~~e of salt
lhlre lilt~ rtl 11gt0141 pcraorat ~rty ttllfiS f1Mtut or tnt~rgb~t 1t~4 1101 notrolly ccnoidere bull part at tho rl MUte 1ncltdiod in i)raisod vatue of tht Pject ~rty My porKIIIl pr~rty iJ ~rteltl ltgtn l ttparete a6teldJ
the trltferbulllg~ed awratr(a) preaergtt end eertlfy thlrt~ (4) tt1e BProfoal auig1-t ~bull nat bas-M lt401 reqJtHIII nfnilltJil Vlluatflaquol eel fie valoetlro or tre owrltml Of toanBl etpiO)Wit of the appraiser wu rltrt oorditlmed OJgttO the awrabel produeii1Q a ~poet fie Jot or 10 1111lut vithfn a givon r9hgiJ CClfuru~ ~~t h rtGt d~~t qlCll en apprlhal prQdJclng a speelfie vatubull (D) amprp~t gten~atlltn ard fvtue eoplCY)lOnt Ire r-ot lasod ~ llllt~ leon lpPlicttioo h tppro~ed ltElnetlgtor the awrats rar any pelt(tl ~itlt
JOrerahlp intbullr~bullt In the ~ tqllaying the Gwrainr b rtla~~ to or hoa allj Wttrship or cthltr tlnncal lnterost 1rt eitller lxlildeobulldcvbulliper aeLler buoftr ror~e bttl~or Ct rtlt~l estate lltQk~r~~rsa (or a~y ~nM relatod to any of dlltr) irrol~ed in tNir~ti~ f) ihfoh this appntisal luu ~ raq1estod or utth th the l()t recalt nle or ratlnancfrg or irtY ll(OltIIty usid u a lttr11bte praportylogt thh epp-alsal ard (I) th lp9raiser h not ~~~o~are of tllf f~cta lhiltfl uould dtaqu~ify the frtn bcdng deelt to btt rwfeponrlltlft epprehel far ~rjlltI~H of $ltJQtion ~4S of th~ oee A9lotloo AOgulatiCgtlo
The IAdersignoltS apprainrCgt) h~relr ~ogtknltgttl~ ancl ~rtify that t~ltsy ar fbullJll) qBltliod ard Ogtltpqtetlt ly their training boltlge amp rience to f)rforll thh appr~hbulll II ~fter acltejgttallle of the ~tlgtrahol IHS lggtMt ald dullng the OJru of cordtlct f rg the ~wr~isal FPrampisr diac011ero tllilt tnoy ore rot fully ~t~ to jgtdrfor th owraiulthe ~ta~r will OOrjgtly vlth tht Coopetency ~ravtslcn SPAr
=-~--middot--~~_-=---------------__~----------===middot~
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6020 lido lane long beach ca - Google Maps Page I of I
To see all the details that are visible on the screen use the Print link next to the map
CAL~ULATIONS ADDENDvtVI Ale No 325902
=lrst l=loor (GIAt) Extamptlor Slalts (GLA1)
-~middot
A R E
ns~
-550
middot5 so -200
-200
aoo 100
oso ~ Ia
) 50
00
150
Hso too
-sso -soo
tbull
X X )(
)(
X X X X X X X X X )(
X X X
amp40~
IIJSO
uso noo noo 5100
~100
ta50
o uso uso uso uoo 2750
HOB
uoo )53 oo
lJlQ~D
-H9 25
~1na
middotUIOO
bulllZlOO
lOZOD
tD2 00
2125
tun 12H
Z1900
1UU
lOU$0
2750
bulllllOO
-tlOO
-tnoo
uoo X LOO oo
Totaf for Arna 298100 Total for Area llGOO
c A L c u l A T (
0 N s
Eneloaad Patio
400 X lG~SO X
30 X
(POR)
JO~O
110rt
20_0
middotmiddot
1200~
IOtfO
71 75shy
~sragujWtM C9llar bullmiddot (GAR)
H~Q X uoo 111)1 X uoo 1000 X loo Z400 X 100
1000 X 750
ucoo lHM
70LOQ
tUOO
1100
B R E A K D 0 w N
Total ror Aroa 4~625 Total for Area 133100
Paga I of I
SKETCHAREA TABLE ADDENDUM Fllolo 325902
S 8onvNbullrCIIan1 U Dobkin
Property Addrell 8 J 6020 Lido Lane
Ctty Cotlnty Stale Zip Cede
~~~--L~o~n~~B~e~a~c~h~------------=L~o~s~A~n~e~l~e~s~-----C~A~----------------~9~0~8~0-3~---lsndet
T Chase Manhattan Financial
ll
lie
2nd Level
~middot
aabull
A
UH
umiddot
I M p
0 R
v E M E
r s 3 lt = r i
$C~lE lfnch = 18fae
-middot ~t_~ ~middot AREA bALCULt TIONS
-4 ~middot SUMMARY
bull _middot ~ ~ LIVING 0REA CALCULATIONS
Ar~a Nama or Atea middotfoiais Subtotals
SIIICOJIS tloor
2tU so Y
middot ~~~middotao 2ll7~o
Bxtbullllor Stair-~~ cHon x us_o -lS175
~b To ll~lur jso~o vssa 50 ~l5L75
~Ck H~n~ 00 Spound SO 2~ 75
o~ck HI Z5 5 so o~o 264 75
PtDnt Daok 1000 IL90 ~ U$0
26SQ X JC~D
1-~middot X Jln~ 1 1
middot-middotmiddot bulll05Q X middotHso -2gtamp15
-uoo X n5 middot17Z ~0
-J so
-11~
X
X
oo lSo
-ll ~Q _u ~L oa ~ J uo _ oo 700 r 30 oo -21noo 100~ X lt oo bullt4LOG
---~--~middot--middot-middot--------
TOTAL LIVABLE (rounded) 2533J --~~ -shy ~~i~middotmiddot~middot_$-
~~middotmiddotmiddotmiddot gt-~ yo
CALCULATIONS ADDENDurv1
Flte 1o 325 9 0 2
Seoond Floor (GLA2) xterror Stairs (GIJ2)
nu X fSOQ 2H5Q 1100 X bulloc non middot550 X SQ -U4 75
bull554 X bullmiddotn bull1St 75
050 X Sl$0 Z375
sso X uo 2U75
nDO X UIO USD
250 X U50 ucu 10 X 3toa uo
-tftD X Hso ~27tU
ISOO )( uso -17250 bull]0 X p QQ -Jl 50
bull115 X L50 -~ ll
Total forArea 298188 Total for Araa QQOrJ
-~ middotc-imiddotOpatlToaglow (GLA) D$Ck middot~middot(POA)
oo X ]000 21000 1~50 X 1000 ~noo
J~OQ X ttoo HOQO
Total for Area 35000 Total for Arel 26500
~-middot Deck (PO~) front Oeck cPltRr middotmiddotmiddot
ll()C X s~so Ut~Q lZOG X tOQ uoo s ~u X zosc 112n too X so 2200
Totalfor Area ~ 29425 Total for Area middot 7000
A R E A
L
J
~
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~ )
)
)
I
i
SKETCHAREA TABLE ADDENDUM FileNo 325902
S BommtCIIMI
J~--~D~o~b~k~i~n~----------------------------------------------------------------4l Prapampltly Addreta
J ~--~6~0~2~0~L~~~middotd~o~L~a~n~e~----~----------------~--------------~~~--~----~ Clly County Stille Zlp Code
~ ~--~L~o~n~~B~e~a~c~h~------~------~L~o~s~~A~n~e~l~e~s~------~C~A~-------------------9~0~8~0~3~_____ ltndetr Chase ~anhattan Financial
BayMarina
3 fi
3rd Level Upper Level
ll~
Front of Property
LIVING AREACALCUIATIONS Area
bull middototmiddot
Narri~Of Are~ ltmiddot
ar~takdowk ~
SUbtotara ~=-~--~7f middot1middot
GlAl rhlrbullt tlcoi 249487 111o tlSO ~2U25
Bdariot t~d = -931011 s oo 4 somiddot bulll2150
fnterLc~r ftaln -UlS sso d(SO -3$475
POR )rd rv~l frbull~ 2Hoa s~o Ho l61i 0 7S
lM Lavl De~k lt4 so so )lOQ l~4 00
150 X 25 oo 8~0
noo X 2J~~ HLO
-60~ llU -s~ no -~50 X 110 -JLSO
-s n~ X 5-S~ bull so
-115
uobull X
r
~so
7cent1) -middot )]
H2C
llo~ X Qo 19 00
1)~0 X lM -Hz~
TOTAL UVABLE (rounded)
FdtiIT nbullroJJ
CAL~ULATIONS ADDENDlslVI
llla No 3259 0 2
Third Floor GLA3 Exterior Stairs (GLA3)
2150 X 1150 22Hn 110~ X 900 I)(J
-~00 X _0 X uso uso
-l~bulln
-15415
~50 X U50 24$15 bullbull so X uoo J0400 J 50 X 1500 0750
17(10 X 2150 au so _co X nso uoo bull3~0 X bullbullbull o ~uso
-too X 550 -UScent
-175 X llo -Cll
110 1 X lDO lt2bull
Total fot Arel 248487 Total ror Area 9900
Interior Staln1 (GA3 arct LeVa~ Deck (POR
--middotmiddot middot bullmiddotmiddot-middot
I3 o X l$0 4125 J050 X 500 IUOO
JOO X noo 5100
Totat for Area 4725 Total for Area 23400
3rd Level Deck (POR)
11oo X a so lHbull iO
Total for Area t4450
t
Pogo 1 or 1
FcrothJxcct
Dwyer Appraisa[
PLAT MAP
reg
CALvULATIONS ADDENDurvl
Thftd Floor (QLA3 Exterior Stal01 (GIA3)
u~~ X u~o UU2~ llOfl- X oo 00
-~0 X uJo -U2~0
-~-~0 X UJQ -ntu s so X p so X middot~50 X
o l~ oo 2 oo
Hmiddot 10(00
Of~~
1700 X 2JU 3 so -Joo X 1$0 uoo -)SO X poo middotlSO
00 X $50 -H 50
bulllo75 X liO -su nobull X 10~ uu
Total for Area 249487 Total fat ArEII ggoo
lntarrotStalra (GlA3 3rd laval Oeck (FIORi ~if middotmiddot
u~o X l~o nH ]050 X 6 oo I~J 00
)00 X 1) oo Hoo
Total for Araa 4725 Total for Araa 23400
3rd Lgvsf Dock (POR middot
no~ X ~-middot0
Total for Area 14450
Dwyer Appraisal Praoor~v Dorhgttion Analvbulllbull UNIFORM RESIQENTIAl APPRAISAL REPORT foife No32~
middot-------1
middot~ Nole~ R1~ W IN t1tc1-l ~omJ~Wh11 ot chll ~ct~ad ut nK erhttred tlltW~ ~~ fbulloIOflbull
~ coiAMiNHlt 9Jbiost it Laat-lti the letwt sltlrt 11nla eottlt~r~ g~allty Htatiel ~HYhou~i rtlllmt
lrJruJze ll~Cil Fr-(RltCftsJ m-~~4middot~ bullHn lartb ~~ref lest Good Oampintenanct leveh Pltgtttooo=Lbull=---t
l shltooinQ I rbullLat61 ~~~---middot------~-----~-IJ ~SEiAlT~ AOOEI(WI f(]lt iDPTlregL_06TAlL~)
i oewrAAL oucmos EgtTfRIO~ QUMJbullTrQlf oiNOlllCIN DAampIIINT IIUIgtATlON ~ mt__ Mftfrofl tcrCr-el_ lllltb m___ bullmiddot~n ~- n ~ 0
SLCIIcu lhrgL__ amptfuNbullt e So 1b II F~ IIA cu COO - ~tUyen09___
T~IllatAnl ltaened middot- 3iSL-- Bet ~ Ctll~ Jl_______ VIIUbull ~--- []1 ~~~ 0U1Jft (91yhl Glrlr~bullo~ 1int~ Hgt_l ~mplrnp ~ Wltft ~-- ~n~O~middot- ~wll(~ Wtdoi11yenTfO ~~ on rtore laS_ bull IJL__~ I( --- 0~---____ P1QDP2Gd ltlrm _ e1111m1nt ~-_4ot-ed 011lbull~t poundntr ~-~-Y lpounds1- [i~----middot UMu lotfUtctillll amp-~ $crtcr-w ~ lffuttllm ~ Noted__ ~ -~ Erc11r (Nitltulltbulli
ADL lYra) 2 MbullrfuluH Heut 12middot----~--~JY~_IA~-----------~~JU~JA~---- ~~t~ ---shyrrrt ti Jt bull iY1U 1-2 NA WA IfA
-middot---=-------------~--------middot--------~middot-----------middotmiddotmiddot~--~middot---middot----middot----
--middot--~middot------middot--middot-----middotmiddot----------cmiddot-------~-------~---middot-------1 Dbull~reclbulllit~ttQtllrbull)llrltri4Mtlll(loj_tcf1oollt11itu~ottrQpobullhrw-Ko-t~nlhMkn-t bull~~t bulls Jn Gad_OVfratl ~tt~cp~~t 1tld~eit5 O
_$fflod Sflilrs bullr~ noted -~ubleo_t lrdicatEgt1 lus1s Mif)Qr then t~-t preamptir~~~~e-1 d tbull ih lAISor ie_ ~r(r01t J=tilt-fl ampnl FlflC8hiK~~t 110tgto1n tlre nru r~ Sypkally 1llartllteror~lttcrfrmt tj ne lxgtlltlbl due J~ t~ach cotoIUilHy irtfluco lhi bull ~middot Ld ~--q ro TgteOgtUr~b Lo eftqt on middot~ieets Vftlue or llrkamptelgtjtj Y Iiithin th Cs mr-lket~---t rJt~d mbulltktt CONfil~f4 td puw1hn01 in~ lrnlbullc(in Utbe-~ctlNltt trU r~udllQ foirn51~rtt Wrut tJtrd61ront tld (QK4uiYf amp~ft OONittai-~ j)_rla itabt__ amp ~)lt()bull bull4 rot pr~(ent fn th~ ~rM Silil9cta 1lrsotlng ttq lotlfd l_s in e~lt~amp of 6 trltrtrs h -~qr~ in thin r-cl9~ ~9 1idlt_i9 ~ri~~dly DJUQJlH~~ro qf~~itsbl~ fg htrl)tr gtricltlt WMbull ThlbulltJ~Yi~iftIA~t Rf~ ~middot thmllllum SltIJthem CUfomlb middot
Dwyer Appraisal
f w Ft~ll Mill- Ptnbull Mat lhl r f0Wt ICf ~bullhtHUent tnd OMe lpcNch fOff111111 In 1hJtbullbullot -middot-~-l (l)tt tlt~ are ft01t lllltSMll amp fllift bullbull ~l es fnf01111ltfm -~~---~-----~middotmiddotmiddot --~ shyby l~gtltal llltHdersconva~taltbull lgt~tn ~DEO Mlq~E~----
I f-qoy E-bullmiddotntlbullbull ~a8111$mies bull - bullbullbulld ~----~---llloo~n L1ll_sl81~ bull 1vlfl amptLmiddotr~t~ et lftw bullbull bullbullbullbullbull bull bull _ _pound1Clt=--i
~at A~bull-M lllr INO$dlt Wife bulllt~ Fuulbull Mtol
DMa bullr~tf~nfOtft M tr()lleo~~-1bull HVDNA PI~( ICampt1dbulldt1 0 Vbull 0 Ho Nbullnbull tl Wtrttnly llrampQIL
HNoapltlrtl lllEIU~-----~--~---------1 Wnnll C016tqe EIM
~DICiTeO VAlUF BY SAIES COMPAAJSON APPROACH bullbull bullbull bullbull bull bulloiCAUlJ VJIILU IIY 1~twt APiiOAIA r1 Ap~eitlt~ t1dMilN trl-fIUI ~ $ ___)j[lJ~--- ~ K Otbullbullbull rt1nt ~IIPihr N bull bull ----~---J NIIIPfrJiut it mamp no abull 0 bullutf~t ID tr tepti-1 IIIOtbulltic-INIf(litll 01 ro~lliorwllIM lnl~rW 0 EGM~bull~ IU plttlll ant
b IQCtthai It bKampIIfl~ IM bull~t r~qitorntt~tbull~ IN-vtllloKft-laMIAJ+11 tMJ~tf~eod~41111 tMMbullriramplt ltf-t 6trrnh~ ttwt Jbullawtampt~ In
] frrtA UUO amplor VA lrat~ilo~ J lrc~rt Mbull~hmiddotM UO ltfn iJ9tlfiftntiMKFrm 008 at-1~J Old11~~~~ 16__
1EI PI ~Tpound 111pound MIXH VALVC A9 Drlmpound0 OF tff SUillCT PADIt~lY A9 or ___sW~----middot~ ~~~ bullbulligto I
IMII -M4eletBJ hrn t(bull ttw ttICI CbullWltCI tNt I (we) Mlt~lllllyhtptctef ~tt uPtcl PI7Mrtr ba1h lltlde td4bull1T
thJ r-t~r lttNt lt-Mt I ~ ltttt la Vol$4knd ntt~r rf41$rlt cbull ~~~~IJt-~11yenbull hetn
PtY-pryen161~----------middot--- Omd Ooi1N~l 6r Jtgtll~bulltwl NA-JE ~~ PrsoM~
Dwyer Appraisal SALES COMPARISON ANALYSIS
IIC9
Dwyer Appraisal SAlES COMPARISON ANALYSIS
Dwyer Appraisal
----~----------------~iltNDJmiddot -~~~Do~bw~~in~--~--------- --------------middot-----------------------shy
~~~Q~L~i~d~ok~La~nwe~---------------------------------~~----~~ 5lt11lJmlg~ Cg~nlty Lof 6ngele_amp__~_____s2Jtn11 Ca 2jp Codo 9Q80l
Ltncfo CilASE MANHATTAN FINANCIAL C02
AOOITIONAL MARW DATA OOMMENTS
omparab~es H4 5 and 6 were s~leeted f~ the Lido Isle area of Ne~rt Beach Although Lldo Isle s substantiaLly further south ot subject the island of Lldo baa stmllar eharacterlselea is not ttad and eorudderad sllllilar in overall market appeal
Jmparable U4 and Co~rabla 6 are both very s~ltar to subject in livlrtg area and the large lot lre Their location on the island and their bay)hnbor vbv is vary tmilsr to 3Ubjeots Large ~just~enta W6re not nacessa~y and thaae to cnmparablea are given considerable weight
~~able 05 has tnferior lot utility as well as living area ~ich raquired adjustment but tha Law was couaiderad s1mlar All three opound theaa co~arablu reflect similar construction quality 1d we~allmiddot marlcet lppeal
lmparables 7 8 and 9 are the beat of eu~ant liatinta avallable on the Naplaa islan~ within ose prOltilllity to subject Although they reflect construction quality and conditiOn more similar 1 aubject their inferior lot si~es snd utilit7 at vsll as living area required substantial ljuatments Current llstings are fumfslud to demonat~ate the upper 1~t opound value for the tbjee~bulla nampiahborhood Adjustments 1n the grid section reflect the approximate sates to lat middottee pereentaga probull1lded by the local Multip~e Listing Sarvice
DNyer Appraisal
___fgJ~~lri Proa rtv Addrau ~ ld9 tBM -~middot County lolll~tt ___J~ Zie Clllt ~
LKndet ClUE ~~ltATTolll fiiWICtAL (JIQ
AIgtDINDUM TO APPRAISAL
Ojt 1 loeaud witlbullitl t~e city lln1t~ of ~ Bead) Callt~fa IOrll Seech h toutod llgtrodnaUly 239 nie$ ~h o1 lA~ Jgamplu the ~llty seu o1 10 lneles CCUty The pl9atnt J~QpJlat fQl o1 lAtl Bead h lllPIgtthattly COO vi thin It 4971 tlll~ lle~ lhe ci~y Is bGrdered laquo1 the U)rth by lampblootl the $dfltf1 by u Pacific Ooeltl tl14 Vet by Olr5Qrl Std Latlta lld the East by Sql bullad end los Al~ltoa (OriJQe toTJtygt tt ia eUo bordered en ~flo lleat by tfle lcni Beldt CT10) FrtltMtf tlo llorth by the Sen Dieogt middot-y lmiddot~) allll the Salt by tiM san ~lot Rlwr F-y (I-60$) OottVtlertt 1~y middot~-s II I hlcflly lrelgtlo ftaturo tor bullbullfdlnts otto ~rte t the a~bull
thougl1 the city Is plfnar1ly 11 ruldtntal tQOUfty a stbsturtlat prtl01 a1 lWld 11114 Hsllfved tor trdJstrlal ~iat lit( Dfflcbull rtldlltiJS u~o lfajlaquoo siqlflllll COIIpltxa are acated th~t tte ity Cbulllitorni State llnlwrslty Wid IDrg Belich City t6lloge ere bulleated ln toog ampMch amp~ill to loroer Prb ale SQItttrod tnrl)jgcJt the city far tile re~oation usa of the resldoota
e fident1~l ~Xltmnides bullrbull cha~ttertlect lfith a 111Xtlltll of restdlltialvi~s tqing fll arell oldt loxl frlllle airqlamp fenily ~as ta l11rger1 rltNOt1 ~ra ~rn trset t~ txbulltng wlli~h bullr~ ~~lble ciJo to tke 11o1t11tt aitt fnfucn~
lje-ct t Lacatod In tJo SCYtbeat coMer of ltng Be~cit in ao arM alown u Naplu llpl03 h an iamplencl In tl1e eorttr of e 10g Botsch rfna and 1a IICicnuble fr011 he Ean bullnd tloe lint by Sa=d Stlttlt
bull rntigbolflood OOil4itU of avetbilebullgood ~bullelHy 01111-thrltlltl story detadled houus rliIQitgtg 1n elze frltn 1100 to SOCO ~~ ftet -r aecltou h appiQKItoly thrlt111 niles tut nt Nifborlood ml~ good lntwnt llt~ela Scxgth WwiJ ald rtlatd Vi~es orbull ~tntly QcaUd to the p~rty tie botlrdarl of t1le nefgfilomood ~~ct~ld ~ tM hlsnd faelf
~ faUna ts a hidllY dtagtle Gnd pre3tfolcus pllcente to Ulltt ltm Its grtat locatm j pttgtltity to tte ~at=r Tte lota arrood tilamp 1bullifOlter ot th4 itnf havt tJc3t dock to tile Net liUh tM obtfty to 1c~tt 50bull60 +ya-tu Dnttra of th4se ~~ have dlre~~ eocua
thofr OOta fred the r~r af tht pfQletty will ch can thelt be Moiuted thJQUdh tho ~ l cut to the Pat Ifie Olelaquol the hmu lrltMd bull l)fgtrf~teter olIIO hlve ~llent vie~~S of t1e bly 1d eft) llihta For ruldmh COl 1nte~lot Lab 1t It ltny a lllort walk to llfll of tlw V4te bcl-et tr the tidents and tMbullM prtl to w~ llcmu cr1 fnterlor tot t)l)1colly r-arg= In 1181114 11011 $150reg to ~tn)r
e~ the por11Mter ~th llllter frcntiiJI tgtP1ealty r~r99 fiQ1 SVXOOCO )Igt StOOCOOI- Thbull t~ In the IJJH b tC71Mrd~ the rexJHdlrg Otititien to rrdor ccnptota HnOcletlng of all otdeJ heriot tile hond ampooQ tM gtltltfMUI odjKeot to thamp bllltld Th1a trend
~~ltthelt-- tile rtobilfty of Mrka~ lamplue$ in the aNa
Dwyer Appraisal
Filo No
_B2~ttSilpn1 COOle In
Pbullbulluru l~st 8l20 Lido L)) Cllpound~~cfl C~llL2~bullLa Uabull c 2Q~ltIdbull ~
~middot----lendbullr CHAS ttAHKTrAN FIIIANCIAL tW
ADDENDUM TO APPRAISAL
XTERIOR FEATURES rtOIIltlc (ltIn tbtrs) $prinkler ampy$Ctn tn jrllrlt amprr yafltlp
wltold amp gottd llfltry to tht front dltlor provd~ privacy at 1141 u a frcnt patio for lddhiltt111l fbullnctio-at utility oblld p lltltert in t~ frltnt amp r r yard 1sta1 dr111CIIIIY Ia nade of aalld flags~
~~ front porch is~ of solid fl~tONO
111r yard enoleooed ootith a~middot hi~ btoek ~lt Thh proYidlte9 aitiONJ~ ueurty li~t obstru~tlng tile bay vie~~
CJJbulltltlll luilt bullPI in tte frat QQ(Itt)llrd bull 11 patio bullnbull elso hu 1 bulltmiddotfn 18Vfi~ft
lttio a~s t~s tM r of 1lltJ- b llco(e of solid fl]ttltllo
rt of the riNr patio 1~ It CfMbullrltJd by ttl~ seoni lelto~ol dedc
~TERIOR FEATURES JIIIStDIIII ftcarlng In MtJY hltJllnlf I t~~ m thegt 1bullt Uvl 1 sCCIId lbullvbulll Is all 2~~qJare 1111rblt YilOltXf qJJotty eubulltat e~gtrprtitiQ th~ the root of th om Item h~~~ qUII ity Stow-oo ayttn tlulCIltt the ~
J Cfllllity hcurlt) syatern th~t Joillltfl ta dNgt~t disl to a sacu~lty JK~nltorl~ Jbullrv1 ce nt~t len shutters thr~ tcglt~thar wf th 6tioer CtJbulltOltI ulndr1t eowri~bullmiddot
etaold llV~IJl9 dl~t -t prflllr) rcons ord t~Llolllys
to 12 ooilirQS tb~ ltlOSt Of tho hi3e bullll~tbull ere ptaced bulltrateic~lty thrctllflalt taD IClWII mot41t~t tlvalgtool tht houso rn tfoe addltOfll bedJQOM JtiiIOfef Uo((frdle dltxgtrt rt is 1lao a Mp~Jrato wine ltollar gt1ich h tlle~tatiClltly t~rswro I ~lfrate taltrollcd h a lourdry chute fiOIf tl~ llpl)r tel(a) to the lalndry ~ ~~~ at t_ lCooer lemiddot~L
TCHEN ot~rtopamp In fctttMn are tolid ~rooite
itOOltI flco~iJ In kitclen i nd area
Jlll~ cOltok~ aU othe~ top ctlIQIty lilltes amp fl~t~res und In tnt ktt~ as OMlL as the bullbullbullt of tho hoobullbull amp il a ampefgt6rete fet at thbull kitchen sl~k for inseartt hot lllltiH
- is a mr~ 114kmiddottn jlllftry lttich h bull very ~lrabla fbullbullturt usUIlly fafd In larlts rn tMt t~
bulle h IJ lalge built-In ref~ig9flltalt-tob-zero 1reeter lith the front ps~elamp Mtchlrg Uo cablrgtlttJY I~ the kltclltn
lULV ROOM fQnfly rogtOfllllls its on firqJlace
STER BEDROOM amp BATH llll$ter gtlaquo110011 fs Vol) ~paclobull tltch fa a typieal fcatTJre for thi~ ~ amp ptloe ~of ro ~ h a sittlrq area or retret~ at ltgt1~ End of th~ lliISter beiroott taster bedRltln has ita firepllaquocentB lotlfch h triliiTed 1(111 norlle l~ tlt~ ftooriJ9 thJt1-IGhJt JMst~r bath rzi tlb in IllS ter bath 1 ampt-alor wt th clxibte shltloer hctado
h a t6r~ llalk-in cloet in bull~tr trooo 11tt~ buHtmiddotin orgbullniz amp ol-olve$ Le amrcqJI In rraquottor bllthCan
lNG ROOMDINING ROOM -o 12 ceHI~ in Uvl19 ~ tving roar h11 it 1$ Qllll ffrplate llttici a tr-fmoeltf uith rarblo ont co t~o dinllg roro thQr h a bar rem JJth e w$lkmiddotbehtrrl llH bgtr th~ 1aro1ly ftJoCt1 with a luilt-fn ref~t~rator amp fc Jor n stulptulOd c1rpetlrq in the livfhJ roato ard lldJont trca3
IA(E bull~biO n qood qtelity ~Llmiddotup rr- doors wHh liample dcor qJltn~rs bullilirqbull amp ~alls in the qgtragbull are finiohelti ot ~bullt~r ~tor hltla a rbullmiddotelrwlbulltlf ~ lottich plOIbulli~centamp notMt hgtt lf~ter to praoticany ort(tero t~ the hOJs~ 11t to tbe 90rigc la 8 ~tre cellar middot-et ba- liN 112 bllth
~-===~----
Dwyer Appraisal
-iUPt-~~JL__ lroarty 6lt1bull~11 (lRtJ lob le
~~altl Cauntv~~ sra~ C4 II a~e lalll Lande1 OIA$E rtNII4TfAN FIIWICW eolt1
ADOitNDUM TO APPRAISAL
lnal Reconciliation
bullr Nl$ llo 1blo Reccrd5 $~bjeot has nat ~euro11 ~fated or told tn the pKt 12 rrcntlts ampnd h nat pr~$llntly listed
te nat cttampttt bull~u activity tn touthHrt california II e11p1rfenoif9 Lilli ted aetlvh~ dUo to a tlt~gglah OltOOft lotile ptql~rty vallo$ pear to llttve lttoclfne tn eore 11rtas other etelt~t are ~~le $ tlaquoM areas hll aGtuelly lncnut fn vat~ A pertloular llef~barlold fVIf Prfmce lhat ~r$ to be Iii t~~ary cleltline fn ~talue ldoltrt nveral ~r-s 1eve an wgent nHd ta aell lara aU ~t1rq for thl middot111hed nlnigtor of bitter~ llll~gtfbble Thfa h -ftered to be bull telpOnoryo aftuatfcn lohfch will oorreet Itself 4hen tM tOIIIXIral) Ooert~ly ~ b ebtorbod amp detend fncr111nJn bull111~ Ioiii~ hllgtl~ txperferncd laljle orplO)lMt ~ffa or oloVte of lalfe renufacturi~ plllt1t e rtcwery petofod formiddotp~ty v1tlut $ thl stobHlzatlcn of ~lfmng Yll~ claquo~lltl be atttantloUyiClIQltr amp lOft sown thon tEIIIlOrsry
this CQldltfltll is ratld or ena arprmf~r h ~$rt of It I~ l$ ~tod en bo amplfSl8rat~ adclrldln Nrefn middot
thh 11sprabal anfgrncntcal4ful ~~IGltI ot all curlltrt Mrket dllta wu conafltlerod ~llfch inclLdcd analy~1a ot cu~rmt ll$tlngs penii~ les aa wll ~ tJqtrld and -l~ lhtt~ P~lng aales 1rot~ltlthn 1 gfvm ratkat ar~ can rerg in vamplue wbst~ietly ~lng lfv~rQ area rccn cortt anenlties ncltrlng view or lllcc ot Vflll and 1q~~ta ~ ~tfa1 lf there litre pending MlM ~tlfdl N aio~~llal to subject In ovtral~ rarket Ollll4St1 cne Of~ of thtsa ~fng sslobull Mite beelt fncl~ fn thh tltport rt there 1111r1 no liHir per-ding ales ptnd111J alet lhich ~ltere not silttlar Ore not Usqd lhe u o1 ranbulltlnf lor Mles ~oWld Tlt~qJire thm vn of excQsfva 1 etbjetiw adjus~s leodfog illes 11119 adequE~tely teflect curr41lt ltlrklot derltJltf ~Mingo les of ptepcrtles stnflar to stbject at fees l~r thlo rtelt closed sal are gfwn tho roampt lieigntPendfng 14~ laquo f~gtlltr ~rtles hil1ltr prt-1lt1 than r~t eland sales 1 g1v151 o~~fniMl wf~t sin- tie~bull fa bull poulbllftl tlllt thay ftlt nat clo~e aaerou for a VarfOU IIUber of reafiOM
led ales withfll thl jlolst 30~ drtt aramp IIOlt raLteble alllcento tMy hlrw ctOltHQ amp Urrt are -t recent II tllo ebtenca qf reltenC eloeed gtendfngo satu 111 ~mtyenab f CM~ llstlnga ws also ~~ted ~in thitrt 1M be a llidbull ta~ t valuoa -llllble tor Uatl~a far 1 lfll~ tf abooa llstrga prlcad out ltgtt llfoat ~rata be reailcrollbltt range of wlut Wllftt not ccnalderol ~ und In tht rtthey hlaquovtt btco adJusted to t-4 prebogtlt ~~Gmntlllit a1 Mlt ta liat pric es reparteltt by tile Local 1Jltiplamp ~ittliG Service Further iuatmnts aN then ~eased en teatur~a coodftlcn etcent Hfnltral ~tight h given to t fatfnga ampitgtU they tore clrly d~trate til ~ lfroft of value for PtQPa~ths tfllilar to Sllbjet~t ftOir stbjeets narlcat Gru ~ are hMfr tile ro~t CYrrllt deta a~~ampftabl~ If cne t110 lfetlrgs 1evt nat ~ inotude In thl$ rtp~rt fn lieu of peldiJ sale t I$ becaue~ tfl~u ~bull nane ampYallabl~ coosldotrod to ba 1flar to stbullbject 1Qn-slllllor properttampS IIQIIld agin rltUir~ tM u- ot egtltltauw ZII1CIor Oj~t altljuatts tl1cn ckfeet th~ p~rpase Or bull eo~rabte t~lamp middot
middotmiddot====== =======~=--~----middot---bullmiddotmiddot-----middotmiddotmiddotmiddotmiddot~middotN---middotmiddotmiddot
FotbullN 32590~ DEFINITION OF MARKET VALUPIhe mott probaWo pric~ which amiddotpraporty ohOltifd brlnqin e bullampolfdve bull~d opbullnmorlltel undor ~~ conditions requltitbull to 11 loir oolo tho buyer ancl eampllor eech bullbull1ino prudently knltHYiodgubly and usurntng tht prloo Ebull not eHOlttAd bv undUltI inwus lmJ)iiclt In thlr dofini1lon the ltltgtMUmtn~tion ol bull af IPIltlifled deto Dnd thl poaslng or tidt ltom bullaJiar co buyer under oon4itlont wh~ttobY (1) buyor and wolltr ero Lyploanv motlvalltld 421 both panJsl art wnll infom~ed or 1dYid bullnd uch acting In who ha eonsidorbull M1t awn bs~t lntereot Ill bull roaaorlbullblo timamp is nllowod lor poevroln tho Ol)llt mabullbtl (41 lIY ibull medo in torms of ~bullbullh lrl u $ dollarbull 01 In tturno or flnonolel ~1111810nts oornp~rlbfo thereto artd (5) thogt ptlco lipiUIIItl rho normal caideratiltJn lor tha prop$ry aotd unefftc~od lly spociBI ot eroatlve nnancfng or ur ooWluslona bull granCed lly envone asbull soclarlld with the bullnit
bull Ad)ubulllmampolto to the acmp~roamplot mu~t be mede f~l 8ptclelat cres1iV9 finannlng or tlt~loa ooAonsiltgt~ No sdjuWYents bullrbull nao~orv
for tlto oo9t9 which ato 11ormally peid bv ttllilre 11 bull roeult ar trtdltlon or lew ln bull mrkot arbullbulll Ultse coots arerudlly ld911UII11No tlflus tht 1sller peya tMtt oootl In Yirtually ell eltlet tr~ntaotiant SPJclel ot orutlv liMnolng adU~tmontt can bt rnocle to the oommiddot plrable proportv ily aomptlisont to financing termbull offered by a third psrty instituric~lllandor thai io not afmtdv lnvclvad In tht propshyortv or trantecrlon Any Olltfjua~tnent aPtould not bm talaulartd on 1 meltgthbullnloel dollor for dollsr cabullt of tho ilnsnclng or oltmcot~lon but th~ dollar amtount of anv ad)ubulltmont ehtould apprlgtlCimato tht Markatbull rltbullaotlon to thl tlnonclnltr or ccncetlone baood on th~ onJ~Ufjorbull judgmeot
CltRTlFICATION AND STATEMENT OF LIMITING CONDITrONS CERTIFICATlON Thl Apprlliter ~artlllampbull ana reea thogtt
1 The Appr~llttr lult M prou11t or contemplollbulld futlire intorebulll in tJoe prcpbulllllbullpprlitampltl ~ncMithar lhs omJ)JO(mont to mako lite oppraluf nor he oom~~uutlon lor It Ia oantlngenf upon tho ejlpi~lbullad value of ho prGperrmiddotr
~ Thbull Apprmbullor hebull no paortallnter~al In or bias wfth repaot to th~ eubjogtet mtlter ol tho apptolool repo~ or tho pnr11clpanto 10 th oalo Tho eetlmlltt or Mor~at Vo11e In the lljlpraiul roport Iamp not ba~ In whola or In palt llpon the reco color or natlcn-lcHgin of thbull prcapoclfiM owMrs or ooouponl8 ol thapropJrlf eppralsod or u)on the taon ocor or notional origin of tho praunt ownoro or oocupantbull ol lito propartioe In t~ vfclnll( of rh~ IHGporty apprafbullad
3 Tho Appralttr hoe l)oroan~lly lntpeotad Utltl propwrty bolh lnaldbull ttnd a~r arltl ~ madbull an ooxurlot in1ptc1tan af ell cwnperehla bull~les ~~tod In lhfl npott To thbull but ctf tht Apprelearbull knowtodol~ sfd Hillel alt stttemenlbull and lnfarmotloh fn th~ roport 114 truo and bullbullmtal ~rtt tJe Apprel~ar h8t noc knovrngy wltllhtld ohV algnlneal1t lnfltJtrnatlon
4 All conlll~tnt end limiting ~ond1tlortt arbull GontalogtoJd hotoln limosbulld hy the termbull ol tha eoolgnmanl or by the LondtroiQnod olteotlngtlia anofJliOt Gplnloflt oond oonaluaonbull conralnad rn tha Fei)Ogtrlt
5 TNbull opproiulltpart has boon made In ~bullmforiTlty with ond Is oubreo( to tht ttqulr11lt1ampnto of tho Codamp of Pr~fassfanal Ethics end Stoinltlltls of Prolaolianal Conduort or thG bullpprnlssl GIQampnlznlant vmiddotlth whloh ~ha Al)rnlut Is afflneiad
8 All ooncluiliono end oplnlont concorrlno tlbulloo tatl aotbulltbull thst ort tet rarlflln tho apprUnl report ware prepari hv 1M Appralur whoto olgnoturo ooppoa on thltl ~tpproJI raport unlbullbullbull IMloatood a 11avltw Appralosr No ohenga of any Item 11 tho eppriiU~I t~port bullhall be mod~ by anyono othtt tluln ho Apptofnr ftnd lhamp Apprsleer ahall havo na rotponJbillly fer anv uah lttnouthodzed
ohbull~middot
CONTlNGllNT AND LIMITING CONDIIIOffil lt4rtlfialfllon of the Appraiser ~pp~lt~rtn11 In tM orppralsar roport Is subjaot to tna folfowlng oondttlons end to euoh other opecolrlo bullnciiiNJUng oondiHons u era aet forth bv Uo Ap(ltJieor in t~o rtport
1 The 1ppriHaer ~null4m M rslgtonslblijty for matte- of a legal neru affaotlng tha propampfV apptols~d or chbull titlt thbullrot~ not dcos tho Appralnr r~nltUt ~ny opinion bullbull to the tltlo whfh Is ftbull~m~d to bt good and matketnbt6 Tloa property appr41Ud es thouq h under tsspoleJbhbull ownerohfp
2 Anv tlltatoft In tlto r~tport may bullllow spproodmor~ dlmof$lona end fs lnolltlad Ia anlst th~ nad~r In oisuolfltlnQ th~ prop4ny 1M Apprsi~or hu made no svrvoy af tho proporly
a Thbull Appralosr io not qulrsd to ~lvamp tobulltiotiOl 01 appear in aouri bo~bullJIH of having m8damp thl appro1aal with ref~ ranco to Ute praportv in quetUcn unlaso arretlgemoobull ~avbull bbullon prlhi~raly mad OJ tftltmbullfor
4 Any dlbullttlbution of thltr valuation In lite rampport betwoen land nnd lmprovamtnts appfisf only urgtfar the malng prog~m af utiJI~otion The s-oparatbull valua11onbull tor lltnd ond b~lldlng tnuft not b~ Uliltld frt conjOncrioM with ShV aliter eppralslli and era invgtlld If to Uftd
5 Tha Appralut i~Jsumeo that thora ate no hlddon or un~ppsunt condlclono of thbull pt~p~ny eubactl ot strucntramp~ which waufd rendor It moro or lass vai1Jabi4 Tho Apprefs~r asournbullu 110 roponelblll1y tor tltr~h ctnditicent~bull or fM anglnaampring which rri~kt be required to discover auch fftctDn
8 Information ampS1iltnatet end o-piniont lurnlshed ra llta Apprai9et bullnd contained in tiN toport w~re obtornod hom ourebs oonsldmiddot orod reliolgtlo trd lgtnrtavad to bt truo and oorrect Howevar no rooponslbllitv fcrecrlllampey of eucl lome furnfohad tho Appraiser can bo BUUmod bv the Awrllsorr
1 Olactosuro of lite oontampnr oltho approJool ramppcrt fa gorned by 1ho9 Bvfbullwa ampnd fle~ul~1ions of rho protasnlonel ~pprohel orgbullnlshyl~tlona with which tno Ai=Pltbull~Gr is ~ffilialltd middot
4 Nafthor bullh nor bullny pert o( the CltltfG11 of tho tt~art Ot ~apy thet~of lincludino conolorolont oo to tho prop~~y vnfubull the identity of tnlt~ Approoor prohbulloiansl dlt~bulliglttlons r$loronc~ to ony jlrofQoslegtnill epplllal organiadono tho firm with which lho Approlnt ia connncttd) slutlt be u~od lot nny purpo~ lgty nnyoM but tho errant ~pooltl~d In tha repor tho bol~wor If approitol lu pnld by ~ovne tho mor1qo~aa or h$ Rtocurs erol nort)no morrgo~o lluurort conouitant profuofonsl dppraisef argnnllailtlmt any l~te or fllltlofllly optotovod finenol lne~tutian lny d~rgtbullrtmont agoncv or inttrumontaHy of doe Unt81 State9 or ~ny bullbull 01 lht Oishlot of Colutnbi~ without tfoe proviouo1 wrltttll oon~snt of tlo Approioar nobull bullhoU It bbull convbullvbulld by anyon~ to thbull Pltthll~ thiltlugh 8d~artiaibullltJ public rampIIIICiona news~ stflf or ocflor mbulldia wftfl)lft the writt111n CCnlont tl1id opprobull1d of Ula Appt~Sl~u~r
9 On 5iJ CJPDrehilll$ $Ubject to ~ldetactory cotnplrttlon rnparl or alt~ra1iDI9) thn epornlsnl -JCIrt ~~gtllf - ~r--~lt1slon Utl conHnmiddot gllnt upon coflyen1amption ol lho lflrevel)entl Ia a wnrkmanlik$ m-omr1Gr
BORROWER Dobkin
PROPERTY 6fl2() Lfdo Lnne rottr lleach ca 90803
Appraloorlbulll
YAioNbull~ FbullrrJt- MoM ~-m41~JULU-1 Fltlfm 1co~ n JJ~ 8~11
Dwyer Appraisal
Ftre No )illQ2_
~UP~~~~--------~-----------------~------------------------------------~p~~~ll~~~~e------middot----middot~------------------------------------~~---middotmiddot-----
f--Citv I~ Seilt~ CCUQ1 ~~middotlu---------~---~2i p_Codo_90ll3ltgt=-----~-__ Londer alASpound ~HioiTAii fUHltI~L tll27
AlPJlAISBi ClmTIFICAIIONS amp COMPLIANCE lllTH FIRRA REQUIREMFNlS
bull The puiJl1lle of thif f)Pgttlul b to estlllato hlr Harket Value as cleflnol In tho attamplthiod FHLK( fern 4J9of tt- bullbltrle deo~ribed real ~rty lhia appllliwt 1s f9r thamp SGt and txcl~ntv u1e of the ~e described ~~Cl l~tbull
lhta eAOreiL nay bo ~bulltd for federally ftlated rort~ lcall prrpous $bject to title XI o1 tho FIMnbullfbulll Insettuttcns Rtfon r~E~Wr) EllfGltcanetot Act of 1989 (IIAA61) The 1Mers1~ oppralter(a) aekrQtledg= ~flet thoy have rMd end Ydarstand tle Utfor arlfard$ of Proloslotw~l ~alool Prectf 1USIP 1 at they ~tocl end y bt atltndod 110lt1 tlre to tiM by thamp twrbullhal StIWdartfs gtard of the 4fgttaisal fonlatton ~rrl u trplenbted by IIOd 1nco~rsted fnto the oce (Off1oe of the CAlrtptrctltr of thamp Currency) ~Uqulatmiddot gtIU 1hla llgtrisampl QOIII)l with ilCC RegJlationt PSgtlt1 tfgte tlnl10~JI $tarderltls of Prof-teN~ P~cttca (IJSPtP)
the legal dorlptl011 9f tile prltlf)erty u ~on t~~ fi((t ~ of tMt t~R~rataal regtainod frm tha cnnty teK uunws riOOIds
middot ot-r ~rltgtd 11hlch ort eotiQred to ~ relloble- but Mt liJ(Irlltltoed Tho tot atgtd trs~t n~ lldar the aueuara par~L nlbller ~ra nsiIGIti lld~taly dtscriptlve ~ ~~ ot bull prtlbrirv~ry ti~lt report WIIoS rlaquoJUsted fron tb~ l~r bvt rltrt reeelv~ at the tiM llf loMe of this ~hsL
Th ~rlllampil$ eJtill8te af Nuaratgtle 1111rkttlng tine for ampAlje~ p~rty eelriltl~ ~hh the rlcetlng tiM shgtlm Cfl tht frolttt pogo It also rntated In the roment section en the nOOIICI ~ of tile lj)lltafaal
If tho tlbletta sa b val~ Is difforant thoR tite Estltcf valtJe t1~ val~ 11Hl bt stated in th ~te~oocfl btftlrl seetlcn of en rahal lepartlf thet are tne u~~e Qnly tigtQ aa 1 wlu~ 11 atatodA buH4fllQ Uldbullr ()()MtructOn ar In gtelaquolt of rqraquolra cr slttratfcns ll rerplre tilbull 1Ettita of llltrrktt vatbull lth tho ~~at~ 1albftct te box beilll chckocl Stlt thbull bac~ ptge of the ~pFn~iaal repon bull tha infanrat1et~
he scrpe of tMt flrahal frtoOlvod data oollettlon frcn vtltOIJa =r~t ta-fdered to be roliotblltJ 001 ~~ gvarantetd tn~ltdirg bst Li11itld to llblQ r~rd infec-t~Ltfa obta(hed flllfl hi lol COInty re=derbull Offiee Tll~ ll4tbQJfd1 t~oc Dmar local ttJttfple tlng a~vice1 buyen setteramp alli real ~t4te brQI(tra tooflrnotion Uo$ mt by ~ros~-cfleckirg fnfcr111tion ~ith tilt rorcu ntiCIlld middotthe llt~tultamp ere then repoltld fn the QWItlprfiltamp lrxirtftr~ on the bullr1lrel~l rtpOtt o~ ldd~lho pr1Mry data liOWCH bullrot provided the grid sectfoo lltfllt ap4U parnlb A phy$1cll 1npect1cn of tht fnt~tlor Itd exterior of the tlbject lrwerty 111 corjucte at ldltcl e thbull Epllraiter urilt t~o projlOrty l c~~loolated tlte orproJf-te l(fJare foe~ of l lvfrg amptea lhe ~raiamper tiiEtl ltIIcentltbull by tho fret
middot~h of tho laquot~~p~~rlblbulls ~nd tekh~ lIOtlta as to tMfr a~rrlftt ~leltol claquoldhioo for wul~tioo of their aolitiCII 11t ti~~e of salt
lhlre lilt~ rtl 11gt0141 pcraorat ~rty ttllfiS f1Mtut or tnt~rgb~t 1t~4 1101 notrolly ccnoidere bull part at tho rl MUte 1ncltdiod in i)raisod vatue of tht Pject ~rty My porKIIIl pr~rty iJ ~rteltl ltgtn l ttparete a6teldJ
the trltferbulllg~ed awratr(a) preaergtt end eertlfy thlrt~ (4) tt1e BProfoal auig1-t ~bull nat bas-M lt401 reqJtHIII nfnilltJil Vlluatflaquol eel fie valoetlro or tre owrltml Of toanBl etpiO)Wit of the appraiser wu rltrt oorditlmed OJgttO the awrabel produeii1Q a ~poet fie Jot or 10 1111lut vithfn a givon r9hgiJ CClfuru~ ~~t h rtGt d~~t qlCll en apprlhal prQdJclng a speelfie vatubull (D) amprp~t gten~atlltn ard fvtue eoplCY)lOnt Ire r-ot lasod ~ llllt~ leon lpPlicttioo h tppro~ed ltElnetlgtor the awrats rar any pelt(tl ~itlt
JOrerahlp intbullr~bullt In the ~ tqllaying the Gwrainr b rtla~~ to or hoa allj Wttrship or cthltr tlnncal lnterost 1rt eitller lxlildeobulldcvbulliper aeLler buoftr ror~e bttl~or Ct rtlt~l estate lltQk~r~~rsa (or a~y ~nM relatod to any of dlltr) irrol~ed in tNir~ti~ f) ihfoh this appntisal luu ~ raq1estod or utth th the l()t recalt nle or ratlnancfrg or irtY ll(OltIIty usid u a lttr11bte praportylogt thh epp-alsal ard (I) th lp9raiser h not ~~~o~are of tllf f~cta lhiltfl uould dtaqu~ify the frtn bcdng deelt to btt rwfeponrlltlft epprehel far ~rjlltI~H of $ltJQtion ~4S of th~ oee A9lotloo AOgulatiCgtlo
The IAdersignoltS apprainrCgt) h~relr ~ogtknltgttl~ ancl ~rtify that t~ltsy ar fbullJll) qBltliod ard Ogtltpqtetlt ly their training boltlge amp rience to f)rforll thh appr~hbulll II ~fter acltejgttallle of the ~tlgtrahol IHS lggtMt ald dullng the OJru of cordtlct f rg the ~wr~isal FPrampisr diac011ero tllilt tnoy ore rot fully ~t~ to jgtdrfor th owraiulthe ~ta~r will OOrjgtly vlth tht Coopetency ~ravtslcn SPAr
=-~--middot--~~_-=---------------__~----------===middot~
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6020 lido lane long beach ca - Google Maps Page I of I
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SKETCHAREA TABLE ADDENDUM Fllolo 325902
S 8onvNbullrCIIan1 U Dobkin
Property Addrell 8 J 6020 Lido Lane
Ctty Cotlnty Stale Zip Cede
~~~--L~o~n~~B~e~a~c~h~------------=L~o~s~A~n~e~l~e~s~-----C~A~----------------~9~0~8~0-3~---lsndet
T Chase Manhattan Financial
ll
lie
2nd Level
~middot
aabull
A
UH
umiddot
I M p
0 R
v E M E
r s 3 lt = r i
$C~lE lfnch = 18fae
-middot ~t_~ ~middot AREA bALCULt TIONS
-4 ~middot SUMMARY
bull _middot ~ ~ LIVING 0REA CALCULATIONS
Ar~a Nama or Atea middotfoiais Subtotals
SIIICOJIS tloor
2tU so Y
middot ~~~middotao 2ll7~o
Bxtbullllor Stair-~~ cHon x us_o -lS175
~b To ll~lur jso~o vssa 50 ~l5L75
~Ck H~n~ 00 Spound SO 2~ 75
o~ck HI Z5 5 so o~o 264 75
PtDnt Daok 1000 IL90 ~ U$0
26SQ X JC~D
1-~middot X Jln~ 1 1
middot-middotmiddot bulll05Q X middotHso -2gtamp15
-uoo X n5 middot17Z ~0
-J so
-11~
X
X
oo lSo
-ll ~Q _u ~L oa ~ J uo _ oo 700 r 30 oo -21noo 100~ X lt oo bullt4LOG
---~--~middot--middot-middot--------
TOTAL LIVABLE (rounded) 2533J --~~ -shy ~~i~middotmiddot~middot_$-
~~middotmiddotmiddotmiddot gt-~ yo
CALCULATIONS ADDENDurv1
Flte 1o 325 9 0 2
Seoond Floor (GLA2) xterror Stairs (GIJ2)
nu X fSOQ 2H5Q 1100 X bulloc non middot550 X SQ -U4 75
bull554 X bullmiddotn bull1St 75
050 X Sl$0 Z375
sso X uo 2U75
nDO X UIO USD
250 X U50 ucu 10 X 3toa uo
-tftD X Hso ~27tU
ISOO )( uso -17250 bull]0 X p QQ -Jl 50
bull115 X L50 -~ ll
Total forArea 298188 Total for Araa QQOrJ
-~ middotc-imiddotOpatlToaglow (GLA) D$Ck middot~middot(POA)
oo X ]000 21000 1~50 X 1000 ~noo
J~OQ X ttoo HOQO
Total for Area 35000 Total for Arel 26500
~-middot Deck (PO~) front Oeck cPltRr middotmiddotmiddot
ll()C X s~so Ut~Q lZOG X tOQ uoo s ~u X zosc 112n too X so 2200
Totalfor Area ~ 29425 Total for Area middot 7000
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SKETCHAREA TABLE ADDENDUM FileNo 325902
S BommtCIIMI
J~--~D~o~b~k~i~n~----------------------------------------------------------------4l Prapampltly Addreta
J ~--~6~0~2~0~L~~~middotd~o~L~a~n~e~----~----------------~--------------~~~--~----~ Clly County Stille Zlp Code
~ ~--~L~o~n~~B~e~a~c~h~------~------~L~o~s~~A~n~e~l~e~s~------~C~A~-------------------9~0~8~0~3~_____ ltndetr Chase ~anhattan Financial
BayMarina
3 fi
3rd Level Upper Level
ll~
Front of Property
LIVING AREACALCUIATIONS Area
bull middototmiddot
Narri~Of Are~ ltmiddot
ar~takdowk ~
SUbtotara ~=-~--~7f middot1middot
GlAl rhlrbullt tlcoi 249487 111o tlSO ~2U25
Bdariot t~d = -931011 s oo 4 somiddot bulll2150
fnterLc~r ftaln -UlS sso d(SO -3$475
POR )rd rv~l frbull~ 2Hoa s~o Ho l61i 0 7S
lM Lavl De~k lt4 so so )lOQ l~4 00
150 X 25 oo 8~0
noo X 2J~~ HLO
-60~ llU -s~ no -~50 X 110 -JLSO
-s n~ X 5-S~ bull so
-115
uobull X
r
~so
7cent1) -middot )]
H2C
llo~ X Qo 19 00
1)~0 X lM -Hz~
TOTAL UVABLE (rounded)
FdtiIT nbullroJJ
CAL~ULATIONS ADDENDlslVI
llla No 3259 0 2
Third Floor GLA3 Exterior Stairs (GLA3)
2150 X 1150 22Hn 110~ X 900 I)(J
-~00 X _0 X uso uso
-l~bulln
-15415
~50 X U50 24$15 bullbull so X uoo J0400 J 50 X 1500 0750
17(10 X 2150 au so _co X nso uoo bull3~0 X bullbullbull o ~uso
-too X 550 -UScent
-175 X llo -Cll
110 1 X lDO lt2bull
Total fot Arel 248487 Total ror Area 9900
Interior Staln1 (GA3 arct LeVa~ Deck (POR
--middotmiddot middot bullmiddotmiddot-middot
I3 o X l$0 4125 J050 X 500 IUOO
JOO X noo 5100
Totat for Area 4725 Total for Area 23400
3rd Level Deck (POR)
11oo X a so lHbull iO
Total for Area t4450
t
Pogo 1 or 1
FcrothJxcct
Dwyer Appraisa[
PLAT MAP
reg
CALvULATIONS ADDENDurvl
Thftd Floor (QLA3 Exterior Stal01 (GIA3)
u~~ X u~o UU2~ llOfl- X oo 00
-~0 X uJo -U2~0
-~-~0 X UJQ -ntu s so X p so X middot~50 X
o l~ oo 2 oo
Hmiddot 10(00
Of~~
1700 X 2JU 3 so -Joo X 1$0 uoo -)SO X poo middotlSO
00 X $50 -H 50
bulllo75 X liO -su nobull X 10~ uu
Total for Area 249487 Total fat ArEII ggoo
lntarrotStalra (GlA3 3rd laval Oeck (FIORi ~if middotmiddot
u~o X l~o nH ]050 X 6 oo I~J 00
)00 X 1) oo Hoo
Total for Araa 4725 Total for Araa 23400
3rd Lgvsf Dock (POR middot
no~ X ~-middot0
Total for Area 14450
Dwyer Appraisal Praoor~v Dorhgttion Analvbulllbull UNIFORM RESIQENTIAl APPRAISAL REPORT foife No32~
middot-------1
middot~ Nole~ R1~ W IN t1tc1-l ~omJ~Wh11 ot chll ~ct~ad ut nK erhttred tlltW~ ~~ fbulloIOflbull
~ coiAMiNHlt 9Jbiost it Laat-lti the letwt sltlrt 11nla eottlt~r~ g~allty Htatiel ~HYhou~i rtlllmt
lrJruJze ll~Cil Fr-(RltCftsJ m-~~4middot~ bullHn lartb ~~ref lest Good Oampintenanct leveh Pltgtttooo=Lbull=---t
l shltooinQ I rbullLat61 ~~~---middot------~-----~-IJ ~SEiAlT~ AOOEI(WI f(]lt iDPTlregL_06TAlL~)
i oewrAAL oucmos EgtTfRIO~ QUMJbullTrQlf oiNOlllCIN DAampIIINT IIUIgtATlON ~ mt__ Mftfrofl tcrCr-el_ lllltb m___ bullmiddot~n ~- n ~ 0
SLCIIcu lhrgL__ amptfuNbullt e So 1b II F~ IIA cu COO - ~tUyen09___
T~IllatAnl ltaened middot- 3iSL-- Bet ~ Ctll~ Jl_______ VIIUbull ~--- []1 ~~~ 0U1Jft (91yhl Glrlr~bullo~ 1int~ Hgt_l ~mplrnp ~ Wltft ~-- ~n~O~middot- ~wll(~ Wtdoi11yenTfO ~~ on rtore laS_ bull IJL__~ I( --- 0~---____ P1QDP2Gd ltlrm _ e1111m1nt ~-_4ot-ed 011lbull~t poundntr ~-~-Y lpounds1- [i~----middot UMu lotfUtctillll amp-~ $crtcr-w ~ lffuttllm ~ Noted__ ~ -~ Erc11r (Nitltulltbulli
ADL lYra) 2 MbullrfuluH Heut 12middot----~--~JY~_IA~-----------~~JU~JA~---- ~~t~ ---shyrrrt ti Jt bull iY1U 1-2 NA WA IfA
-middot---=-------------~--------middot--------~middot-----------middotmiddotmiddot~--~middot---middot----middot----
--middot--~middot------middot--middot-----middotmiddot----------cmiddot-------~-------~---middot-------1 Dbull~reclbulllit~ttQtllrbull)llrltri4Mtlll(loj_tcf1oollt11itu~ottrQpobullhrw-Ko-t~nlhMkn-t bull~~t bulls Jn Gad_OVfratl ~tt~cp~~t 1tld~eit5 O
_$fflod Sflilrs bullr~ noted -~ubleo_t lrdicatEgt1 lus1s Mif)Qr then t~-t preamptir~~~~e-1 d tbull ih lAISor ie_ ~r(r01t J=tilt-fl ampnl FlflC8hiK~~t 110tgto1n tlre nru r~ Sypkally 1llartllteror~lttcrfrmt tj ne lxgtlltlbl due J~ t~ach cotoIUilHy irtfluco lhi bull ~middot Ld ~--q ro TgteOgtUr~b Lo eftqt on middot~ieets Vftlue or llrkamptelgtjtj Y Iiithin th Cs mr-lket~---t rJt~d mbulltktt CONfil~f4 td puw1hn01 in~ lrnlbullc(in Utbe-~ctlNltt trU r~udllQ foirn51~rtt Wrut tJtrd61ront tld (QK4uiYf amp~ft OONittai-~ j)_rla itabt__ amp ~)lt()bull bull4 rot pr~(ent fn th~ ~rM Silil9cta 1lrsotlng ttq lotlfd l_s in e~lt~amp of 6 trltrtrs h -~qr~ in thin r-cl9~ ~9 1idlt_i9 ~ri~~dly DJUQJlH~~ro qf~~itsbl~ fg htrl)tr gtricltlt WMbull ThlbulltJ~Yi~iftIA~t Rf~ ~middot thmllllum SltIJthem CUfomlb middot
Dwyer Appraisal
f w Ft~ll Mill- Ptnbull Mat lhl r f0Wt ICf ~bullhtHUent tnd OMe lpcNch fOff111111 In 1hJtbullbullot -middot-~-l (l)tt tlt~ are ft01t lllltSMll amp fllift bullbull ~l es fnf01111ltfm -~~---~-----~middotmiddotmiddot --~ shyby l~gtltal llltHdersconva~taltbull lgt~tn ~DEO Mlq~E~----
I f-qoy E-bullmiddotntlbullbull ~a8111$mies bull - bullbullbulld ~----~---llloo~n L1ll_sl81~ bull 1vlfl amptLmiddotr~t~ et lftw bullbull bullbullbullbullbull bull bull _ _pound1Clt=--i
~at A~bull-M lllr INO$dlt Wife bulllt~ Fuulbull Mtol
DMa bullr~tf~nfOtft M tr()lleo~~-1bull HVDNA PI~( ICampt1dbulldt1 0 Vbull 0 Ho Nbullnbull tl Wtrttnly llrampQIL
HNoapltlrtl lllEIU~-----~--~---------1 Wnnll C016tqe EIM
~DICiTeO VAlUF BY SAIES COMPAAJSON APPROACH bullbull bullbull bullbull bull bulloiCAUlJ VJIILU IIY 1~twt APiiOAIA r1 Ap~eitlt~ t1dMilN trl-fIUI ~ $ ___)j[lJ~--- ~ K Otbullbullbull rt1nt ~IIPihr N bull bull ----~---J NIIIPfrJiut it mamp no abull 0 bullutf~t ID tr tepti-1 IIIOtbulltic-INIf(litll 01 ro~lliorwllIM lnl~rW 0 EGM~bull~ IU plttlll ant
b IQCtthai It bKampIIfl~ IM bull~t r~qitorntt~tbull~ IN-vtllloKft-laMIAJ+11 tMJ~tf~eod~41111 tMMbullriramplt ltf-t 6trrnh~ ttwt Jbullawtampt~ In
] frrtA UUO amplor VA lrat~ilo~ J lrc~rt Mbull~hmiddotM UO ltfn iJ9tlfiftntiMKFrm 008 at-1~J Old11~~~~ 16__
1EI PI ~Tpound 111pound MIXH VALVC A9 Drlmpound0 OF tff SUillCT PADIt~lY A9 or ___sW~----middot~ ~~~ bullbulligto I
IMII -M4eletBJ hrn t(bull ttw ttICI CbullWltCI tNt I (we) Mlt~lllllyhtptctef ~tt uPtcl PI7Mrtr ba1h lltlde td4bull1T
thJ r-t~r lttNt lt-Mt I ~ ltttt la Vol$4knd ntt~r rf41$rlt cbull ~~~~IJt-~11yenbull hetn
PtY-pryen161~----------middot--- Omd Ooi1N~l 6r Jtgtll~bulltwl NA-JE ~~ PrsoM~
Dwyer Appraisal SALES COMPARISON ANALYSIS
IIC9
Dwyer Appraisal SAlES COMPARISON ANALYSIS
Dwyer Appraisal
----~----------------~iltNDJmiddot -~~~Do~bw~~in~--~--------- --------------middot-----------------------shy
~~~Q~L~i~d~ok~La~nwe~---------------------------------~~----~~ 5lt11lJmlg~ Cg~nlty Lof 6ngele_amp__~_____s2Jtn11 Ca 2jp Codo 9Q80l
Ltncfo CilASE MANHATTAN FINANCIAL C02
AOOITIONAL MARW DATA OOMMENTS
omparab~es H4 5 and 6 were s~leeted f~ the Lido Isle area of Ne~rt Beach Although Lldo Isle s substantiaLly further south ot subject the island of Lldo baa stmllar eharacterlselea is not ttad and eorudderad sllllilar in overall market appeal
Jmparable U4 and Co~rabla 6 are both very s~ltar to subject in livlrtg area and the large lot lre Their location on the island and their bay)hnbor vbv is vary tmilsr to 3Ubjeots Large ~just~enta W6re not nacessa~y and thaae to cnmparablea are given considerable weight
~~able 05 has tnferior lot utility as well as living area ~ich raquired adjustment but tha Law was couaiderad s1mlar All three opound theaa co~arablu reflect similar construction quality 1d we~allmiddot marlcet lppeal
lmparables 7 8 and 9 are the beat of eu~ant liatinta avallable on the Naplaa islan~ within ose prOltilllity to subject Although they reflect construction quality and conditiOn more similar 1 aubject their inferior lot si~es snd utilit7 at vsll as living area required substantial ljuatments Current llstings are fumfslud to demonat~ate the upper 1~t opound value for the tbjee~bulla nampiahborhood Adjustments 1n the grid section reflect the approximate sates to lat middottee pereentaga probull1lded by the local Multip~e Listing Sarvice
DNyer Appraisal
___fgJ~~lri Proa rtv Addrau ~ ld9 tBM -~middot County lolll~tt ___J~ Zie Clllt ~
LKndet ClUE ~~ltATTolll fiiWICtAL (JIQ
AIgtDINDUM TO APPRAISAL
Ojt 1 loeaud witlbullitl t~e city lln1t~ of ~ Bead) Callt~fa IOrll Seech h toutod llgtrodnaUly 239 nie$ ~h o1 lA~ Jgamplu the ~llty seu o1 10 lneles CCUty The pl9atnt J~QpJlat fQl o1 lAtl Bead h lllPIgtthattly COO vi thin It 4971 tlll~ lle~ lhe ci~y Is bGrdered laquo1 the U)rth by lampblootl the $dfltf1 by u Pacific Ooeltl tl14 Vet by Olr5Qrl Std Latlta lld the East by Sql bullad end los Al~ltoa (OriJQe toTJtygt tt ia eUo bordered en ~flo lleat by tfle lcni Beldt CT10) FrtltMtf tlo llorth by the Sen Dieogt middot-y lmiddot~) allll the Salt by tiM san ~lot Rlwr F-y (I-60$) OottVtlertt 1~y middot~-s II I hlcflly lrelgtlo ftaturo tor bullbullfdlnts otto ~rte t the a~bull
thougl1 the city Is plfnar1ly 11 ruldtntal tQOUfty a stbsturtlat prtl01 a1 lWld 11114 Hsllfved tor trdJstrlal ~iat lit( Dfflcbull rtldlltiJS u~o lfajlaquoo siqlflllll COIIpltxa are acated th~t tte ity Cbulllitorni State llnlwrslty Wid IDrg Belich City t6lloge ere bulleated ln toog ampMch amp~ill to loroer Prb ale SQItttrod tnrl)jgcJt the city far tile re~oation usa of the resldoota
e fident1~l ~Xltmnides bullrbull cha~ttertlect lfith a 111Xtlltll of restdlltialvi~s tqing fll arell oldt loxl frlllle airqlamp fenily ~as ta l11rger1 rltNOt1 ~ra ~rn trset t~ txbulltng wlli~h bullr~ ~~lble ciJo to tke 11o1t11tt aitt fnfucn~
lje-ct t Lacatod In tJo SCYtbeat coMer of ltng Be~cit in ao arM alown u Naplu llpl03 h an iamplencl In tl1e eorttr of e 10g Botsch rfna and 1a IICicnuble fr011 he Ean bullnd tloe lint by Sa=d Stlttlt
bull rntigbolflood OOil4itU of avetbilebullgood ~bullelHy 01111-thrltlltl story detadled houus rliIQitgtg 1n elze frltn 1100 to SOCO ~~ ftet -r aecltou h appiQKItoly thrlt111 niles tut nt Nifborlood ml~ good lntwnt llt~ela Scxgth WwiJ ald rtlatd Vi~es orbull ~tntly QcaUd to the p~rty tie botlrdarl of t1le nefgfilomood ~~ct~ld ~ tM hlsnd faelf
~ faUna ts a hidllY dtagtle Gnd pre3tfolcus pllcente to Ulltt ltm Its grtat locatm j pttgtltity to tte ~at=r Tte lota arrood tilamp 1bullifOlter ot th4 itnf havt tJc3t dock to tile Net liUh tM obtfty to 1c~tt 50bull60 +ya-tu Dnttra of th4se ~~ have dlre~~ eocua
thofr OOta fred the r~r af tht pfQletty will ch can thelt be Moiuted thJQUdh tho ~ l cut to the Pat Ifie Olelaquol the hmu lrltMd bull l)fgtrf~teter olIIO hlve ~llent vie~~S of t1e bly 1d eft) llihta For ruldmh COl 1nte~lot Lab 1t It ltny a lllort walk to llfll of tlw V4te bcl-et tr the tidents and tMbullM prtl to w~ llcmu cr1 fnterlor tot t)l)1colly r-arg= In 1181114 11011 $150reg to ~tn)r
e~ the por11Mter ~th llllter frcntiiJI tgtP1ealty r~r99 fiQ1 SVXOOCO )Igt StOOCOOI- Thbull t~ In the IJJH b tC71Mrd~ the rexJHdlrg Otititien to rrdor ccnptota HnOcletlng of all otdeJ heriot tile hond ampooQ tM gtltltfMUI odjKeot to thamp bllltld Th1a trend
~~ltthelt-- tile rtobilfty of Mrka~ lamplue$ in the aNa
Dwyer Appraisal
Filo No
_B2~ttSilpn1 COOle In
Pbullbulluru l~st 8l20 Lido L)) Cllpound~~cfl C~llL2~bullLa Uabull c 2Q~ltIdbull ~
~middot----lendbullr CHAS ttAHKTrAN FIIIANCIAL tW
ADDENDUM TO APPRAISAL
XTERIOR FEATURES rtOIIltlc (ltIn tbtrs) $prinkler ampy$Ctn tn jrllrlt amprr yafltlp
wltold amp gottd llfltry to tht front dltlor provd~ privacy at 1141 u a frcnt patio for lddhiltt111l fbullnctio-at utility oblld p lltltert in t~ frltnt amp r r yard 1sta1 dr111CIIIIY Ia nade of aalld flags~
~~ front porch is~ of solid fl~tONO
111r yard enoleooed ootith a~middot hi~ btoek ~lt Thh proYidlte9 aitiONJ~ ueurty li~t obstru~tlng tile bay vie~~
CJJbulltltlll luilt bullPI in tte frat QQ(Itt)llrd bull 11 patio bullnbull elso hu 1 bulltmiddotfn 18Vfi~ft
lttio a~s t~s tM r of 1lltJ- b llco(e of solid fl]ttltllo
rt of the riNr patio 1~ It CfMbullrltJd by ttl~ seoni lelto~ol dedc
~TERIOR FEATURES JIIIStDIIII ftcarlng In MtJY hltJllnlf I t~~ m thegt 1bullt Uvl 1 sCCIId lbullvbulll Is all 2~~qJare 1111rblt YilOltXf qJJotty eubulltat e~gtrprtitiQ th~ the root of th om Item h~~~ qUII ity Stow-oo ayttn tlulCIltt the ~
J Cfllllity hcurlt) syatern th~t Joillltfl ta dNgt~t disl to a sacu~lty JK~nltorl~ Jbullrv1 ce nt~t len shutters thr~ tcglt~thar wf th 6tioer CtJbulltOltI ulndr1t eowri~bullmiddot
etaold llV~IJl9 dl~t -t prflllr) rcons ord t~Llolllys
to 12 ooilirQS tb~ ltlOSt Of tho hi3e bullll~tbull ere ptaced bulltrateic~lty thrctllflalt taD IClWII mot41t~t tlvalgtool tht houso rn tfoe addltOfll bedJQOM JtiiIOfef Uo((frdle dltxgtrt rt is 1lao a Mp~Jrato wine ltollar gt1ich h tlle~tatiClltly t~rswro I ~lfrate taltrollcd h a lourdry chute fiOIf tl~ llpl)r tel(a) to the lalndry ~ ~~~ at t_ lCooer lemiddot~L
TCHEN ot~rtopamp In fctttMn are tolid ~rooite
itOOltI flco~iJ In kitclen i nd area
Jlll~ cOltok~ aU othe~ top ctlIQIty lilltes amp fl~t~res und In tnt ktt~ as OMlL as the bullbullbullt of tho hoobullbull amp il a ampefgt6rete fet at thbull kitchen sl~k for inseartt hot lllltiH
- is a mr~ 114kmiddottn jlllftry lttich h bull very ~lrabla fbullbullturt usUIlly fafd In larlts rn tMt t~
bulle h IJ lalge built-In ref~ig9flltalt-tob-zero 1reeter lith the front ps~elamp Mtchlrg Uo cablrgtlttJY I~ the kltclltn
lULV ROOM fQnfly rogtOfllllls its on firqJlace
STER BEDROOM amp BATH llll$ter gtlaquo110011 fs Vol) ~paclobull tltch fa a typieal fcatTJre for thi~ ~ amp ptloe ~of ro ~ h a sittlrq area or retret~ at ltgt1~ End of th~ lliISter beiroott taster bedRltln has ita firepllaquocentB lotlfch h triliiTed 1(111 norlle l~ tlt~ ftooriJ9 thJt1-IGhJt JMst~r bath rzi tlb in IllS ter bath 1 ampt-alor wt th clxibte shltloer hctado
h a t6r~ llalk-in cloet in bull~tr trooo 11tt~ buHtmiddotin orgbullniz amp ol-olve$ Le amrcqJI In rraquottor bllthCan
lNG ROOMDINING ROOM -o 12 ceHI~ in Uvl19 ~ tving roar h11 it 1$ Qllll ffrplate llttici a tr-fmoeltf uith rarblo ont co t~o dinllg roro thQr h a bar rem JJth e w$lkmiddotbehtrrl llH bgtr th~ 1aro1ly ftJoCt1 with a luilt-fn ref~t~rator amp fc Jor n stulptulOd c1rpetlrq in the livfhJ roato ard lldJont trca3
IA(E bull~biO n qood qtelity ~Llmiddotup rr- doors wHh liample dcor qJltn~rs bullilirqbull amp ~alls in the qgtragbull are finiohelti ot ~bullt~r ~tor hltla a rbullmiddotelrwlbulltlf ~ lottich plOIbulli~centamp notMt hgtt lf~ter to praoticany ort(tero t~ the hOJs~ 11t to tbe 90rigc la 8 ~tre cellar middot-et ba- liN 112 bllth
~-===~----
Dwyer Appraisal
-iUPt-~~JL__ lroarty 6lt1bull~11 (lRtJ lob le
~~altl Cauntv~~ sra~ C4 II a~e lalll Lande1 OIA$E rtNII4TfAN FIIWICW eolt1
ADOitNDUM TO APPRAISAL
lnal Reconciliation
bullr Nl$ llo 1blo Reccrd5 $~bjeot has nat ~euro11 ~fated or told tn the pKt 12 rrcntlts ampnd h nat pr~$llntly listed
te nat cttampttt bull~u activity tn touthHrt california II e11p1rfenoif9 Lilli ted aetlvh~ dUo to a tlt~gglah OltOOft lotile ptql~rty vallo$ pear to llttve lttoclfne tn eore 11rtas other etelt~t are ~~le $ tlaquoM areas hll aGtuelly lncnut fn vat~ A pertloular llef~barlold fVIf Prfmce lhat ~r$ to be Iii t~~ary cleltline fn ~talue ldoltrt nveral ~r-s 1eve an wgent nHd ta aell lara aU ~t1rq for thl middot111hed nlnigtor of bitter~ llll~gtfbble Thfa h -ftered to be bull telpOnoryo aftuatfcn lohfch will oorreet Itself 4hen tM tOIIIXIral) Ooert~ly ~ b ebtorbod amp detend fncr111nJn bull111~ Ioiii~ hllgtl~ txperferncd laljle orplO)lMt ~ffa or oloVte of lalfe renufacturi~ plllt1t e rtcwery petofod formiddotp~ty v1tlut $ thl stobHlzatlcn of ~lfmng Yll~ claquo~lltl be atttantloUyiClIQltr amp lOft sown thon tEIIIlOrsry
this CQldltfltll is ratld or ena arprmf~r h ~$rt of It I~ l$ ~tod en bo amplfSl8rat~ adclrldln Nrefn middot
thh 11sprabal anfgrncntcal4ful ~~IGltI ot all curlltrt Mrket dllta wu conafltlerod ~llfch inclLdcd analy~1a ot cu~rmt ll$tlngs penii~ les aa wll ~ tJqtrld and -l~ lhtt~ P~lng aales 1rot~ltlthn 1 gfvm ratkat ar~ can rerg in vamplue wbst~ietly ~lng lfv~rQ area rccn cortt anenlties ncltrlng view or lllcc ot Vflll and 1q~~ta ~ ~tfa1 lf there litre pending MlM ~tlfdl N aio~~llal to subject In ovtral~ rarket Ollll4St1 cne Of~ of thtsa ~fng sslobull Mite beelt fncl~ fn thh tltport rt there 1111r1 no liHir per-ding ales ptnd111J alet lhich ~ltere not silttlar Ore not Usqd lhe u o1 ranbulltlnf lor Mles ~oWld Tlt~qJire thm vn of excQsfva 1 etbjetiw adjus~s leodfog illes 11119 adequE~tely teflect curr41lt ltlrklot derltJltf ~Mingo les of ptepcrtles stnflar to stbject at fees l~r thlo rtelt closed sal are gfwn tho roampt lieigntPendfng 14~ laquo f~gtlltr ~rtles hil1ltr prt-1lt1 than r~t eland sales 1 g1v151 o~~fniMl wf~t sin- tie~bull fa bull poulbllftl tlllt thay ftlt nat clo~e aaerou for a VarfOU IIUber of reafiOM
led ales withfll thl jlolst 30~ drtt aramp IIOlt raLteble alllcento tMy hlrw ctOltHQ amp Urrt are -t recent II tllo ebtenca qf reltenC eloeed gtendfngo satu 111 ~mtyenab f CM~ llstlnga ws also ~~ted ~in thitrt 1M be a llidbull ta~ t valuoa -llllble tor Uatl~a far 1 lfll~ tf abooa llstrga prlcad out ltgtt llfoat ~rata be reailcrollbltt range of wlut Wllftt not ccnalderol ~ und In tht rtthey hlaquovtt btco adJusted to t-4 prebogtlt ~~Gmntlllit a1 Mlt ta liat pric es reparteltt by tile Local 1Jltiplamp ~ittliG Service Further iuatmnts aN then ~eased en teatur~a coodftlcn etcent Hfnltral ~tight h given to t fatfnga ampitgtU they tore clrly d~trate til ~ lfroft of value for PtQPa~ths tfllilar to Sllbjet~t ftOir stbjeets narlcat Gru ~ are hMfr tile ro~t CYrrllt deta a~~ampftabl~ If cne t110 lfetlrgs 1evt nat ~ inotude In thl$ rtp~rt fn lieu of peldiJ sale t I$ becaue~ tfl~u ~bull nane ampYallabl~ coosldotrod to ba 1flar to stbullbject 1Qn-slllllor properttampS IIQIIld agin rltUir~ tM u- ot egtltltauw ZII1CIor Oj~t altljuatts tl1cn ckfeet th~ p~rpase Or bull eo~rabte t~lamp middot
middotmiddot====== =======~=--~----middot---bullmiddotmiddot-----middotmiddotmiddotmiddotmiddot~middotN---middotmiddotmiddot
FotbullN 32590~ DEFINITION OF MARKET VALUPIhe mott probaWo pric~ which amiddotpraporty ohOltifd brlnqin e bullampolfdve bull~d opbullnmorlltel undor ~~ conditions requltitbull to 11 loir oolo tho buyer ancl eampllor eech bullbull1ino prudently knltHYiodgubly and usurntng tht prloo Ebull not eHOlttAd bv undUltI inwus lmJ)iiclt In thlr dofini1lon the ltltgtMUmtn~tion ol bull af IPIltlifled deto Dnd thl poaslng or tidt ltom bullaJiar co buyer under oon4itlont wh~ttobY (1) buyor and wolltr ero Lyploanv motlvalltld 421 both panJsl art wnll infom~ed or 1dYid bullnd uch acting In who ha eonsidorbull M1t awn bs~t lntereot Ill bull roaaorlbullblo timamp is nllowod lor poevroln tho Ol)llt mabullbtl (41 lIY ibull medo in torms of ~bullbullh lrl u $ dollarbull 01 In tturno or flnonolel ~1111810nts oornp~rlbfo thereto artd (5) thogt ptlco lipiUIIItl rho normal caideratiltJn lor tha prop$ry aotd unefftc~od lly spociBI ot eroatlve nnancfng or ur ooWluslona bull granCed lly envone asbull soclarlld with the bullnit
bull Ad)ubulllmampolto to the acmp~roamplot mu~t be mede f~l 8ptclelat cres1iV9 finannlng or tlt~loa ooAonsiltgt~ No sdjuWYents bullrbull nao~orv
for tlto oo9t9 which ato 11ormally peid bv ttllilre 11 bull roeult ar trtdltlon or lew ln bull mrkot arbullbulll Ultse coots arerudlly ld911UII11No tlflus tht 1sller peya tMtt oootl In Yirtually ell eltlet tr~ntaotiant SPJclel ot orutlv liMnolng adU~tmontt can bt rnocle to the oommiddot plrable proportv ily aomptlisont to financing termbull offered by a third psrty instituric~lllandor thai io not afmtdv lnvclvad In tht propshyortv or trantecrlon Any Olltfjua~tnent aPtould not bm talaulartd on 1 meltgthbullnloel dollor for dollsr cabullt of tho ilnsnclng or oltmcot~lon but th~ dollar amtount of anv ad)ubulltmont ehtould apprlgtlCimato tht Markatbull rltbullaotlon to thl tlnonclnltr or ccncetlone baood on th~ onJ~Ufjorbull judgmeot
CltRTlFICATION AND STATEMENT OF LIMITING CONDITrONS CERTIFICATlON Thl Apprlliter ~artlllampbull ana reea thogtt
1 The Appr~llttr lult M prou11t or contemplollbulld futlire intorebulll in tJoe prcpbulllllbullpprlitampltl ~ncMithar lhs omJ)JO(mont to mako lite oppraluf nor he oom~~uutlon lor It Ia oantlngenf upon tho ejlpi~lbullad value of ho prGperrmiddotr
~ Thbull Apprmbullor hebull no paortallnter~al In or bias wfth repaot to th~ eubjogtet mtlter ol tho apptolool repo~ or tho pnr11clpanto 10 th oalo Tho eetlmlltt or Mor~at Vo11e In the lljlpraiul roport Iamp not ba~ In whola or In palt llpon the reco color or natlcn-lcHgin of thbull prcapoclfiM owMrs or ooouponl8 ol thapropJrlf eppralsod or u)on the taon ocor or notional origin of tho praunt ownoro or oocupantbull ol lito propartioe In t~ vfclnll( of rh~ IHGporty apprafbullad
3 Tho Appralttr hoe l)oroan~lly lntpeotad Utltl propwrty bolh lnaldbull ttnd a~r arltl ~ madbull an ooxurlot in1ptc1tan af ell cwnperehla bull~les ~~tod In lhfl npott To thbull but ctf tht Apprelearbull knowtodol~ sfd Hillel alt stttemenlbull and lnfarmotloh fn th~ roport 114 truo and bullbullmtal ~rtt tJe Apprel~ar h8t noc knovrngy wltllhtld ohV algnlneal1t lnfltJtrnatlon
4 All conlll~tnt end limiting ~ond1tlortt arbull GontalogtoJd hotoln limosbulld hy the termbull ol tha eoolgnmanl or by the LondtroiQnod olteotlngtlia anofJliOt Gplnloflt oond oonaluaonbull conralnad rn tha Fei)Ogtrlt
5 TNbull opproiulltpart has boon made In ~bullmforiTlty with ond Is oubreo( to tht ttqulr11lt1ampnto of tho Codamp of Pr~fassfanal Ethics end Stoinltlltls of Prolaolianal Conduort or thG bullpprnlssl GIQampnlznlant vmiddotlth whloh ~ha Al)rnlut Is afflneiad
8 All ooncluiliono end oplnlont concorrlno tlbulloo tatl aotbulltbull thst ort tet rarlflln tho apprUnl report ware prepari hv 1M Appralur whoto olgnoturo ooppoa on thltl ~tpproJI raport unlbullbullbull IMloatood a 11avltw Appralosr No ohenga of any Item 11 tho eppriiU~I t~port bullhall be mod~ by anyono othtt tluln ho Apptofnr ftnd lhamp Apprsleer ahall havo na rotponJbillly fer anv uah lttnouthodzed
ohbull~middot
CONTlNGllNT AND LIMITING CONDIIIOffil lt4rtlfialfllon of the Appraiser ~pp~lt~rtn11 In tM orppralsar roport Is subjaot to tna folfowlng oondttlons end to euoh other opecolrlo bullnciiiNJUng oondiHons u era aet forth bv Uo Ap(ltJieor in t~o rtport
1 The 1ppriHaer ~null4m M rslgtonslblijty for matte- of a legal neru affaotlng tha propampfV apptols~d or chbull titlt thbullrot~ not dcos tho Appralnr r~nltUt ~ny opinion bullbull to the tltlo whfh Is ftbull~m~d to bt good and matketnbt6 Tloa property appr41Ud es thouq h under tsspoleJbhbull ownerohfp
2 Anv tlltatoft In tlto r~tport may bullllow spproodmor~ dlmof$lona end fs lnolltlad Ia anlst th~ nad~r In oisuolfltlnQ th~ prop4ny 1M Apprsi~or hu made no svrvoy af tho proporly
a Thbull Appralosr io not qulrsd to ~lvamp tobulltiotiOl 01 appear in aouri bo~bullJIH of having m8damp thl appro1aal with ref~ ranco to Ute praportv in quetUcn unlaso arretlgemoobull ~avbull bbullon prlhi~raly mad OJ tftltmbullfor
4 Any dlbullttlbution of thltr valuation In lite rampport betwoen land nnd lmprovamtnts appfisf only urgtfar the malng prog~m af utiJI~otion The s-oparatbull valua11onbull tor lltnd ond b~lldlng tnuft not b~ Uliltld frt conjOncrioM with ShV aliter eppralslli and era invgtlld If to Uftd
5 Tha Appralut i~Jsumeo that thora ate no hlddon or un~ppsunt condlclono of thbull pt~p~ny eubactl ot strucntramp~ which waufd rendor It moro or lass vai1Jabi4 Tho Apprefs~r asournbullu 110 roponelblll1y tor tltr~h ctnditicent~bull or fM anglnaampring which rri~kt be required to discover auch fftctDn
8 Information ampS1iltnatet end o-piniont lurnlshed ra llta Apprai9et bullnd contained in tiN toport w~re obtornod hom ourebs oonsldmiddot orod reliolgtlo trd lgtnrtavad to bt truo and oorrect Howevar no rooponslbllitv fcrecrlllampey of eucl lome furnfohad tho Appraiser can bo BUUmod bv the Awrllsorr
1 Olactosuro of lite oontampnr oltho approJool ramppcrt fa gorned by 1ho9 Bvfbullwa ampnd fle~ul~1ions of rho protasnlonel ~pprohel orgbullnlshyl~tlona with which tno Ai=Pltbull~Gr is ~ffilialltd middot
4 Nafthor bullh nor bullny pert o( the CltltfG11 of tho tt~art Ot ~apy thet~of lincludino conolorolont oo to tho prop~~y vnfubull the identity of tnlt~ Approoor prohbulloiansl dlt~bulliglttlons r$loronc~ to ony jlrofQoslegtnill epplllal organiadono tho firm with which lho Approlnt ia connncttd) slutlt be u~od lot nny purpo~ lgty nnyoM but tho errant ~pooltl~d In tha repor tho bol~wor If approitol lu pnld by ~ovne tho mor1qo~aa or h$ Rtocurs erol nort)no morrgo~o lluurort conouitant profuofonsl dppraisef argnnllailtlmt any l~te or fllltlofllly optotovod finenol lne~tutian lny d~rgtbullrtmont agoncv or inttrumontaHy of doe Unt81 State9 or ~ny bullbull 01 lht Oishlot of Colutnbi~ without tfoe proviouo1 wrltttll oon~snt of tlo Approioar nobull bullhoU It bbull convbullvbulld by anyon~ to thbull Pltthll~ thiltlugh 8d~artiaibullltJ public rampIIIICiona news~ stflf or ocflor mbulldia wftfl)lft the writt111n CCnlont tl1id opprobull1d of Ula Appt~Sl~u~r
9 On 5iJ CJPDrehilll$ $Ubject to ~ldetactory cotnplrttlon rnparl or alt~ra1iDI9) thn epornlsnl -JCIrt ~~gtllf - ~r--~lt1slon Utl conHnmiddot gllnt upon coflyen1amption ol lho lflrevel)entl Ia a wnrkmanlik$ m-omr1Gr
BORROWER Dobkin
PROPERTY 6fl2() Lfdo Lnne rottr lleach ca 90803
Appraloorlbulll
YAioNbull~ FbullrrJt- MoM ~-m41~JULU-1 Fltlfm 1co~ n JJ~ 8~11
Dwyer Appraisal
Ftre No )illQ2_
~UP~~~~--------~-----------------~------------------------------------~p~~~ll~~~~e------middot----middot~------------------------------------~~---middotmiddot-----
f--Citv I~ Seilt~ CCUQ1 ~~middotlu---------~---~2i p_Codo_90ll3ltgt=-----~-__ Londer alASpound ~HioiTAii fUHltI~L tll27
AlPJlAISBi ClmTIFICAIIONS amp COMPLIANCE lllTH FIRRA REQUIREMFNlS
bull The puiJl1lle of thif f)Pgttlul b to estlllato hlr Harket Value as cleflnol In tho attamplthiod FHLK( fern 4J9of tt- bullbltrle deo~ribed real ~rty lhia appllliwt 1s f9r thamp SGt and txcl~ntv u1e of the ~e described ~~Cl l~tbull
lhta eAOreiL nay bo ~bulltd for federally ftlated rort~ lcall prrpous $bject to title XI o1 tho FIMnbullfbulll Insettuttcns Rtfon r~E~Wr) EllfGltcanetot Act of 1989 (IIAA61) The 1Mers1~ oppralter(a) aekrQtledg= ~flet thoy have rMd end Ydarstand tle Utfor arlfard$ of Proloslotw~l ~alool Prectf 1USIP 1 at they ~tocl end y bt atltndod 110lt1 tlre to tiM by thamp twrbullhal StIWdartfs gtard of the 4fgttaisal fonlatton ~rrl u trplenbted by IIOd 1nco~rsted fnto the oce (Off1oe of the CAlrtptrctltr of thamp Currency) ~Uqulatmiddot gtIU 1hla llgtrisampl QOIII)l with ilCC RegJlationt PSgtlt1 tfgte tlnl10~JI $tarderltls of Prof-teN~ P~cttca (IJSPtP)
the legal dorlptl011 9f tile prltlf)erty u ~on t~~ fi((t ~ of tMt t~R~rataal regtainod frm tha cnnty teK uunws riOOIds
middot ot-r ~rltgtd 11hlch ort eotiQred to ~ relloble- but Mt liJ(Irlltltoed Tho tot atgtd trs~t n~ lldar the aueuara par~L nlbller ~ra nsiIGIti lld~taly dtscriptlve ~ ~~ ot bull prtlbrirv~ry ti~lt report WIIoS rlaquoJUsted fron tb~ l~r bvt rltrt reeelv~ at the tiM llf loMe of this ~hsL
Th ~rlllampil$ eJtill8te af Nuaratgtle 1111rkttlng tine for ampAlje~ p~rty eelriltl~ ~hh the rlcetlng tiM shgtlm Cfl tht frolttt pogo It also rntated In the roment section en the nOOIICI ~ of tile lj)lltafaal
If tho tlbletta sa b val~ Is difforant thoR tite Estltcf valtJe t1~ val~ 11Hl bt stated in th ~te~oocfl btftlrl seetlcn of en rahal lepartlf thet are tne u~~e Qnly tigtQ aa 1 wlu~ 11 atatodA buH4fllQ Uldbullr ()()MtructOn ar In gtelaquolt of rqraquolra cr slttratfcns ll rerplre tilbull 1Ettita of llltrrktt vatbull lth tho ~~at~ 1albftct te box beilll chckocl Stlt thbull bac~ ptge of the ~pFn~iaal repon bull tha infanrat1et~
he scrpe of tMt flrahal frtoOlvod data oollettlon frcn vtltOIJa =r~t ta-fdered to be roliotblltJ 001 ~~ gvarantetd tn~ltdirg bst Li11itld to llblQ r~rd infec-t~Ltfa obta(hed flllfl hi lol COInty re=derbull Offiee Tll~ ll4tbQJfd1 t~oc Dmar local ttJttfple tlng a~vice1 buyen setteramp alli real ~t4te brQI(tra tooflrnotion Uo$ mt by ~ros~-cfleckirg fnfcr111tion ~ith tilt rorcu ntiCIlld middotthe llt~tultamp ere then repoltld fn the QWItlprfiltamp lrxirtftr~ on the bullr1lrel~l rtpOtt o~ ldd~lho pr1Mry data liOWCH bullrot provided the grid sectfoo lltfllt ap4U parnlb A phy$1cll 1npect1cn of tht fnt~tlor Itd exterior of the tlbject lrwerty 111 corjucte at ldltcl e thbull Epllraiter urilt t~o projlOrty l c~~loolated tlte orproJf-te l(fJare foe~ of l lvfrg amptea lhe ~raiamper tiiEtl ltIIcentltbull by tho fret
middot~h of tho laquot~~p~~rlblbulls ~nd tekh~ lIOtlta as to tMfr a~rrlftt ~leltol claquoldhioo for wul~tioo of their aolitiCII 11t ti~~e of salt
lhlre lilt~ rtl 11gt0141 pcraorat ~rty ttllfiS f1Mtut or tnt~rgb~t 1t~4 1101 notrolly ccnoidere bull part at tho rl MUte 1ncltdiod in i)raisod vatue of tht Pject ~rty My porKIIIl pr~rty iJ ~rteltl ltgtn l ttparete a6teldJ
the trltferbulllg~ed awratr(a) preaergtt end eertlfy thlrt~ (4) tt1e BProfoal auig1-t ~bull nat bas-M lt401 reqJtHIII nfnilltJil Vlluatflaquol eel fie valoetlro or tre owrltml Of toanBl etpiO)Wit of the appraiser wu rltrt oorditlmed OJgttO the awrabel produeii1Q a ~poet fie Jot or 10 1111lut vithfn a givon r9hgiJ CClfuru~ ~~t h rtGt d~~t qlCll en apprlhal prQdJclng a speelfie vatubull (D) amprp~t gten~atlltn ard fvtue eoplCY)lOnt Ire r-ot lasod ~ llllt~ leon lpPlicttioo h tppro~ed ltElnetlgtor the awrats rar any pelt(tl ~itlt
JOrerahlp intbullr~bullt In the ~ tqllaying the Gwrainr b rtla~~ to or hoa allj Wttrship or cthltr tlnncal lnterost 1rt eitller lxlildeobulldcvbulliper aeLler buoftr ror~e bttl~or Ct rtlt~l estate lltQk~r~~rsa (or a~y ~nM relatod to any of dlltr) irrol~ed in tNir~ti~ f) ihfoh this appntisal luu ~ raq1estod or utth th the l()t recalt nle or ratlnancfrg or irtY ll(OltIIty usid u a lttr11bte praportylogt thh epp-alsal ard (I) th lp9raiser h not ~~~o~are of tllf f~cta lhiltfl uould dtaqu~ify the frtn bcdng deelt to btt rwfeponrlltlft epprehel far ~rjlltI~H of $ltJQtion ~4S of th~ oee A9lotloo AOgulatiCgtlo
The IAdersignoltS apprainrCgt) h~relr ~ogtknltgttl~ ancl ~rtify that t~ltsy ar fbullJll) qBltliod ard Ogtltpqtetlt ly their training boltlge amp rience to f)rforll thh appr~hbulll II ~fter acltejgttallle of the ~tlgtrahol IHS lggtMt ald dullng the OJru of cordtlct f rg the ~wr~isal FPrampisr diac011ero tllilt tnoy ore rot fully ~t~ to jgtdrfor th owraiulthe ~ta~r will OOrjgtly vlth tht Coopetency ~ravtslcn SPAr
=-~--middot--~~_-=---------------__~----------===middot~
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middotmiddotmiddotmiddotmiddotmiddot~
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~imiddot ~ middot
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6020 lido lane long beach ca - Google Maps Page I of I
To see all the details that are visible on the screen use the Print link next to the map
CALCULATIONS ADDENDurv1
Flte 1o 325 9 0 2
Seoond Floor (GLA2) xterror Stairs (GIJ2)
nu X fSOQ 2H5Q 1100 X bulloc non middot550 X SQ -U4 75
bull554 X bullmiddotn bull1St 75
050 X Sl$0 Z375
sso X uo 2U75
nDO X UIO USD
250 X U50 ucu 10 X 3toa uo
-tftD X Hso ~27tU
ISOO )( uso -17250 bull]0 X p QQ -Jl 50
bull115 X L50 -~ ll
Total forArea 298188 Total for Araa QQOrJ
-~ middotc-imiddotOpatlToaglow (GLA) D$Ck middot~middot(POA)
oo X ]000 21000 1~50 X 1000 ~noo
J~OQ X ttoo HOQO
Total for Area 35000 Total for Arel 26500
~-middot Deck (PO~) front Oeck cPltRr middotmiddotmiddot
ll()C X s~so Ut~Q lZOG X tOQ uoo s ~u X zosc 112n too X so 2200
Totalfor Area ~ 29425 Total for Area middot 7000
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SKETCHAREA TABLE ADDENDUM FileNo 325902
S BommtCIIMI
J~--~D~o~b~k~i~n~----------------------------------------------------------------4l Prapampltly Addreta
J ~--~6~0~2~0~L~~~middotd~o~L~a~n~e~----~----------------~--------------~~~--~----~ Clly County Stille Zlp Code
~ ~--~L~o~n~~B~e~a~c~h~------~------~L~o~s~~A~n~e~l~e~s~------~C~A~-------------------9~0~8~0~3~_____ ltndetr Chase ~anhattan Financial
BayMarina
3 fi
3rd Level Upper Level
ll~
Front of Property
LIVING AREACALCUIATIONS Area
bull middototmiddot
Narri~Of Are~ ltmiddot
ar~takdowk ~
SUbtotara ~=-~--~7f middot1middot
GlAl rhlrbullt tlcoi 249487 111o tlSO ~2U25
Bdariot t~d = -931011 s oo 4 somiddot bulll2150
fnterLc~r ftaln -UlS sso d(SO -3$475
POR )rd rv~l frbull~ 2Hoa s~o Ho l61i 0 7S
lM Lavl De~k lt4 so so )lOQ l~4 00
150 X 25 oo 8~0
noo X 2J~~ HLO
-60~ llU -s~ no -~50 X 110 -JLSO
-s n~ X 5-S~ bull so
-115
uobull X
r
~so
7cent1) -middot )]
H2C
llo~ X Qo 19 00
1)~0 X lM -Hz~
TOTAL UVABLE (rounded)
FdtiIT nbullroJJ
CAL~ULATIONS ADDENDlslVI
llla No 3259 0 2
Third Floor GLA3 Exterior Stairs (GLA3)
2150 X 1150 22Hn 110~ X 900 I)(J
-~00 X _0 X uso uso
-l~bulln
-15415
~50 X U50 24$15 bullbull so X uoo J0400 J 50 X 1500 0750
17(10 X 2150 au so _co X nso uoo bull3~0 X bullbullbull o ~uso
-too X 550 -UScent
-175 X llo -Cll
110 1 X lDO lt2bull
Total fot Arel 248487 Total ror Area 9900
Interior Staln1 (GA3 arct LeVa~ Deck (POR
--middotmiddot middot bullmiddotmiddot-middot
I3 o X l$0 4125 J050 X 500 IUOO
JOO X noo 5100
Totat for Area 4725 Total for Area 23400
3rd Level Deck (POR)
11oo X a so lHbull iO
Total for Area t4450
t
Pogo 1 or 1
FcrothJxcct
Dwyer Appraisa[
PLAT MAP
reg
CALvULATIONS ADDENDurvl
Thftd Floor (QLA3 Exterior Stal01 (GIA3)
u~~ X u~o UU2~ llOfl- X oo 00
-~0 X uJo -U2~0
-~-~0 X UJQ -ntu s so X p so X middot~50 X
o l~ oo 2 oo
Hmiddot 10(00
Of~~
1700 X 2JU 3 so -Joo X 1$0 uoo -)SO X poo middotlSO
00 X $50 -H 50
bulllo75 X liO -su nobull X 10~ uu
Total for Area 249487 Total fat ArEII ggoo
lntarrotStalra (GlA3 3rd laval Oeck (FIORi ~if middotmiddot
u~o X l~o nH ]050 X 6 oo I~J 00
)00 X 1) oo Hoo
Total for Araa 4725 Total for Araa 23400
3rd Lgvsf Dock (POR middot
no~ X ~-middot0
Total for Area 14450
Dwyer Appraisal Praoor~v Dorhgttion Analvbulllbull UNIFORM RESIQENTIAl APPRAISAL REPORT foife No32~
middot-------1
middot~ Nole~ R1~ W IN t1tc1-l ~omJ~Wh11 ot chll ~ct~ad ut nK erhttred tlltW~ ~~ fbulloIOflbull
~ coiAMiNHlt 9Jbiost it Laat-lti the letwt sltlrt 11nla eottlt~r~ g~allty Htatiel ~HYhou~i rtlllmt
lrJruJze ll~Cil Fr-(RltCftsJ m-~~4middot~ bullHn lartb ~~ref lest Good Oampintenanct leveh Pltgtttooo=Lbull=---t
l shltooinQ I rbullLat61 ~~~---middot------~-----~-IJ ~SEiAlT~ AOOEI(WI f(]lt iDPTlregL_06TAlL~)
i oewrAAL oucmos EgtTfRIO~ QUMJbullTrQlf oiNOlllCIN DAampIIINT IIUIgtATlON ~ mt__ Mftfrofl tcrCr-el_ lllltb m___ bullmiddot~n ~- n ~ 0
SLCIIcu lhrgL__ amptfuNbullt e So 1b II F~ IIA cu COO - ~tUyen09___
T~IllatAnl ltaened middot- 3iSL-- Bet ~ Ctll~ Jl_______ VIIUbull ~--- []1 ~~~ 0U1Jft (91yhl Glrlr~bullo~ 1int~ Hgt_l ~mplrnp ~ Wltft ~-- ~n~O~middot- ~wll(~ Wtdoi11yenTfO ~~ on rtore laS_ bull IJL__~ I( --- 0~---____ P1QDP2Gd ltlrm _ e1111m1nt ~-_4ot-ed 011lbull~t poundntr ~-~-Y lpounds1- [i~----middot UMu lotfUtctillll amp-~ $crtcr-w ~ lffuttllm ~ Noted__ ~ -~ Erc11r (Nitltulltbulli
ADL lYra) 2 MbullrfuluH Heut 12middot----~--~JY~_IA~-----------~~JU~JA~---- ~~t~ ---shyrrrt ti Jt bull iY1U 1-2 NA WA IfA
-middot---=-------------~--------middot--------~middot-----------middotmiddotmiddot~--~middot---middot----middot----
--middot--~middot------middot--middot-----middotmiddot----------cmiddot-------~-------~---middot-------1 Dbull~reclbulllit~ttQtllrbull)llrltri4Mtlll(loj_tcf1oollt11itu~ottrQpobullhrw-Ko-t~nlhMkn-t bull~~t bulls Jn Gad_OVfratl ~tt~cp~~t 1tld~eit5 O
_$fflod Sflilrs bullr~ noted -~ubleo_t lrdicatEgt1 lus1s Mif)Qr then t~-t preamptir~~~~e-1 d tbull ih lAISor ie_ ~r(r01t J=tilt-fl ampnl FlflC8hiK~~t 110tgto1n tlre nru r~ Sypkally 1llartllteror~lttcrfrmt tj ne lxgtlltlbl due J~ t~ach cotoIUilHy irtfluco lhi bull ~middot Ld ~--q ro TgteOgtUr~b Lo eftqt on middot~ieets Vftlue or llrkamptelgtjtj Y Iiithin th Cs mr-lket~---t rJt~d mbulltktt CONfil~f4 td puw1hn01 in~ lrnlbullc(in Utbe-~ctlNltt trU r~udllQ foirn51~rtt Wrut tJtrd61ront tld (QK4uiYf amp~ft OONittai-~ j)_rla itabt__ amp ~)lt()bull bull4 rot pr~(ent fn th~ ~rM Silil9cta 1lrsotlng ttq lotlfd l_s in e~lt~amp of 6 trltrtrs h -~qr~ in thin r-cl9~ ~9 1idlt_i9 ~ri~~dly DJUQJlH~~ro qf~~itsbl~ fg htrl)tr gtricltlt WMbull ThlbulltJ~Yi~iftIA~t Rf~ ~middot thmllllum SltIJthem CUfomlb middot
Dwyer Appraisal
f w Ft~ll Mill- Ptnbull Mat lhl r f0Wt ICf ~bullhtHUent tnd OMe lpcNch fOff111111 In 1hJtbullbullot -middot-~-l (l)tt tlt~ are ft01t lllltSMll amp fllift bullbull ~l es fnf01111ltfm -~~---~-----~middotmiddotmiddot --~ shyby l~gtltal llltHdersconva~taltbull lgt~tn ~DEO Mlq~E~----
I f-qoy E-bullmiddotntlbullbull ~a8111$mies bull - bullbullbulld ~----~---llloo~n L1ll_sl81~ bull 1vlfl amptLmiddotr~t~ et lftw bullbull bullbullbullbullbull bull bull _ _pound1Clt=--i
~at A~bull-M lllr INO$dlt Wife bulllt~ Fuulbull Mtol
DMa bullr~tf~nfOtft M tr()lleo~~-1bull HVDNA PI~( ICampt1dbulldt1 0 Vbull 0 Ho Nbullnbull tl Wtrttnly llrampQIL
HNoapltlrtl lllEIU~-----~--~---------1 Wnnll C016tqe EIM
~DICiTeO VAlUF BY SAIES COMPAAJSON APPROACH bullbull bullbull bullbull bull bulloiCAUlJ VJIILU IIY 1~twt APiiOAIA r1 Ap~eitlt~ t1dMilN trl-fIUI ~ $ ___)j[lJ~--- ~ K Otbullbullbull rt1nt ~IIPihr N bull bull ----~---J NIIIPfrJiut it mamp no abull 0 bullutf~t ID tr tepti-1 IIIOtbulltic-INIf(litll 01 ro~lliorwllIM lnl~rW 0 EGM~bull~ IU plttlll ant
b IQCtthai It bKampIIfl~ IM bull~t r~qitorntt~tbull~ IN-vtllloKft-laMIAJ+11 tMJ~tf~eod~41111 tMMbullriramplt ltf-t 6trrnh~ ttwt Jbullawtampt~ In
] frrtA UUO amplor VA lrat~ilo~ J lrc~rt Mbull~hmiddotM UO ltfn iJ9tlfiftntiMKFrm 008 at-1~J Old11~~~~ 16__
1EI PI ~Tpound 111pound MIXH VALVC A9 Drlmpound0 OF tff SUillCT PADIt~lY A9 or ___sW~----middot~ ~~~ bullbulligto I
IMII -M4eletBJ hrn t(bull ttw ttICI CbullWltCI tNt I (we) Mlt~lllllyhtptctef ~tt uPtcl PI7Mrtr ba1h lltlde td4bull1T
thJ r-t~r lttNt lt-Mt I ~ ltttt la Vol$4knd ntt~r rf41$rlt cbull ~~~~IJt-~11yenbull hetn
PtY-pryen161~----------middot--- Omd Ooi1N~l 6r Jtgtll~bulltwl NA-JE ~~ PrsoM~
Dwyer Appraisal SALES COMPARISON ANALYSIS
IIC9
Dwyer Appraisal SAlES COMPARISON ANALYSIS
Dwyer Appraisal
----~----------------~iltNDJmiddot -~~~Do~bw~~in~--~--------- --------------middot-----------------------shy
~~~Q~L~i~d~ok~La~nwe~---------------------------------~~----~~ 5lt11lJmlg~ Cg~nlty Lof 6ngele_amp__~_____s2Jtn11 Ca 2jp Codo 9Q80l
Ltncfo CilASE MANHATTAN FINANCIAL C02
AOOITIONAL MARW DATA OOMMENTS
omparab~es H4 5 and 6 were s~leeted f~ the Lido Isle area of Ne~rt Beach Although Lldo Isle s substantiaLly further south ot subject the island of Lldo baa stmllar eharacterlselea is not ttad and eorudderad sllllilar in overall market appeal
Jmparable U4 and Co~rabla 6 are both very s~ltar to subject in livlrtg area and the large lot lre Their location on the island and their bay)hnbor vbv is vary tmilsr to 3Ubjeots Large ~just~enta W6re not nacessa~y and thaae to cnmparablea are given considerable weight
~~able 05 has tnferior lot utility as well as living area ~ich raquired adjustment but tha Law was couaiderad s1mlar All three opound theaa co~arablu reflect similar construction quality 1d we~allmiddot marlcet lppeal
lmparables 7 8 and 9 are the beat of eu~ant liatinta avallable on the Naplaa islan~ within ose prOltilllity to subject Although they reflect construction quality and conditiOn more similar 1 aubject their inferior lot si~es snd utilit7 at vsll as living area required substantial ljuatments Current llstings are fumfslud to demonat~ate the upper 1~t opound value for the tbjee~bulla nampiahborhood Adjustments 1n the grid section reflect the approximate sates to lat middottee pereentaga probull1lded by the local Multip~e Listing Sarvice
DNyer Appraisal
___fgJ~~lri Proa rtv Addrau ~ ld9 tBM -~middot County lolll~tt ___J~ Zie Clllt ~
LKndet ClUE ~~ltATTolll fiiWICtAL (JIQ
AIgtDINDUM TO APPRAISAL
Ojt 1 loeaud witlbullitl t~e city lln1t~ of ~ Bead) Callt~fa IOrll Seech h toutod llgtrodnaUly 239 nie$ ~h o1 lA~ Jgamplu the ~llty seu o1 10 lneles CCUty The pl9atnt J~QpJlat fQl o1 lAtl Bead h lllPIgtthattly COO vi thin It 4971 tlll~ lle~ lhe ci~y Is bGrdered laquo1 the U)rth by lampblootl the $dfltf1 by u Pacific Ooeltl tl14 Vet by Olr5Qrl Std Latlta lld the East by Sql bullad end los Al~ltoa (OriJQe toTJtygt tt ia eUo bordered en ~flo lleat by tfle lcni Beldt CT10) FrtltMtf tlo llorth by the Sen Dieogt middot-y lmiddot~) allll the Salt by tiM san ~lot Rlwr F-y (I-60$) OottVtlertt 1~y middot~-s II I hlcflly lrelgtlo ftaturo tor bullbullfdlnts otto ~rte t the a~bull
thougl1 the city Is plfnar1ly 11 ruldtntal tQOUfty a stbsturtlat prtl01 a1 lWld 11114 Hsllfved tor trdJstrlal ~iat lit( Dfflcbull rtldlltiJS u~o lfajlaquoo siqlflllll COIIpltxa are acated th~t tte ity Cbulllitorni State llnlwrslty Wid IDrg Belich City t6lloge ere bulleated ln toog ampMch amp~ill to loroer Prb ale SQItttrod tnrl)jgcJt the city far tile re~oation usa of the resldoota
e fident1~l ~Xltmnides bullrbull cha~ttertlect lfith a 111Xtlltll of restdlltialvi~s tqing fll arell oldt loxl frlllle airqlamp fenily ~as ta l11rger1 rltNOt1 ~ra ~rn trset t~ txbulltng wlli~h bullr~ ~~lble ciJo to tke 11o1t11tt aitt fnfucn~
lje-ct t Lacatod In tJo SCYtbeat coMer of ltng Be~cit in ao arM alown u Naplu llpl03 h an iamplencl In tl1e eorttr of e 10g Botsch rfna and 1a IICicnuble fr011 he Ean bullnd tloe lint by Sa=d Stlttlt
bull rntigbolflood OOil4itU of avetbilebullgood ~bullelHy 01111-thrltlltl story detadled houus rliIQitgtg 1n elze frltn 1100 to SOCO ~~ ftet -r aecltou h appiQKItoly thrlt111 niles tut nt Nifborlood ml~ good lntwnt llt~ela Scxgth WwiJ ald rtlatd Vi~es orbull ~tntly QcaUd to the p~rty tie botlrdarl of t1le nefgfilomood ~~ct~ld ~ tM hlsnd faelf
~ faUna ts a hidllY dtagtle Gnd pre3tfolcus pllcente to Ulltt ltm Its grtat locatm j pttgtltity to tte ~at=r Tte lota arrood tilamp 1bullifOlter ot th4 itnf havt tJc3t dock to tile Net liUh tM obtfty to 1c~tt 50bull60 +ya-tu Dnttra of th4se ~~ have dlre~~ eocua
thofr OOta fred the r~r af tht pfQletty will ch can thelt be Moiuted thJQUdh tho ~ l cut to the Pat Ifie Olelaquol the hmu lrltMd bull l)fgtrf~teter olIIO hlve ~llent vie~~S of t1e bly 1d eft) llihta For ruldmh COl 1nte~lot Lab 1t It ltny a lllort walk to llfll of tlw V4te bcl-et tr the tidents and tMbullM prtl to w~ llcmu cr1 fnterlor tot t)l)1colly r-arg= In 1181114 11011 $150reg to ~tn)r
e~ the por11Mter ~th llllter frcntiiJI tgtP1ealty r~r99 fiQ1 SVXOOCO )Igt StOOCOOI- Thbull t~ In the IJJH b tC71Mrd~ the rexJHdlrg Otititien to rrdor ccnptota HnOcletlng of all otdeJ heriot tile hond ampooQ tM gtltltfMUI odjKeot to thamp bllltld Th1a trend
~~ltthelt-- tile rtobilfty of Mrka~ lamplue$ in the aNa
Dwyer Appraisal
Filo No
_B2~ttSilpn1 COOle In
Pbullbulluru l~st 8l20 Lido L)) Cllpound~~cfl C~llL2~bullLa Uabull c 2Q~ltIdbull ~
~middot----lendbullr CHAS ttAHKTrAN FIIIANCIAL tW
ADDENDUM TO APPRAISAL
XTERIOR FEATURES rtOIIltlc (ltIn tbtrs) $prinkler ampy$Ctn tn jrllrlt amprr yafltlp
wltold amp gottd llfltry to tht front dltlor provd~ privacy at 1141 u a frcnt patio for lddhiltt111l fbullnctio-at utility oblld p lltltert in t~ frltnt amp r r yard 1sta1 dr111CIIIIY Ia nade of aalld flags~
~~ front porch is~ of solid fl~tONO
111r yard enoleooed ootith a~middot hi~ btoek ~lt Thh proYidlte9 aitiONJ~ ueurty li~t obstru~tlng tile bay vie~~
CJJbulltltlll luilt bullPI in tte frat QQ(Itt)llrd bull 11 patio bullnbull elso hu 1 bulltmiddotfn 18Vfi~ft
lttio a~s t~s tM r of 1lltJ- b llco(e of solid fl]ttltllo
rt of the riNr patio 1~ It CfMbullrltJd by ttl~ seoni lelto~ol dedc
~TERIOR FEATURES JIIIStDIIII ftcarlng In MtJY hltJllnlf I t~~ m thegt 1bullt Uvl 1 sCCIId lbullvbulll Is all 2~~qJare 1111rblt YilOltXf qJJotty eubulltat e~gtrprtitiQ th~ the root of th om Item h~~~ qUII ity Stow-oo ayttn tlulCIltt the ~
J Cfllllity hcurlt) syatern th~t Joillltfl ta dNgt~t disl to a sacu~lty JK~nltorl~ Jbullrv1 ce nt~t len shutters thr~ tcglt~thar wf th 6tioer CtJbulltOltI ulndr1t eowri~bullmiddot
etaold llV~IJl9 dl~t -t prflllr) rcons ord t~Llolllys
to 12 ooilirQS tb~ ltlOSt Of tho hi3e bullll~tbull ere ptaced bulltrateic~lty thrctllflalt taD IClWII mot41t~t tlvalgtool tht houso rn tfoe addltOfll bedJQOM JtiiIOfef Uo((frdle dltxgtrt rt is 1lao a Mp~Jrato wine ltollar gt1ich h tlle~tatiClltly t~rswro I ~lfrate taltrollcd h a lourdry chute fiOIf tl~ llpl)r tel(a) to the lalndry ~ ~~~ at t_ lCooer lemiddot~L
TCHEN ot~rtopamp In fctttMn are tolid ~rooite
itOOltI flco~iJ In kitclen i nd area
Jlll~ cOltok~ aU othe~ top ctlIQIty lilltes amp fl~t~res und In tnt ktt~ as OMlL as the bullbullbullt of tho hoobullbull amp il a ampefgt6rete fet at thbull kitchen sl~k for inseartt hot lllltiH
- is a mr~ 114kmiddottn jlllftry lttich h bull very ~lrabla fbullbullturt usUIlly fafd In larlts rn tMt t~
bulle h IJ lalge built-In ref~ig9flltalt-tob-zero 1reeter lith the front ps~elamp Mtchlrg Uo cablrgtlttJY I~ the kltclltn
lULV ROOM fQnfly rogtOfllllls its on firqJlace
STER BEDROOM amp BATH llll$ter gtlaquo110011 fs Vol) ~paclobull tltch fa a typieal fcatTJre for thi~ ~ amp ptloe ~of ro ~ h a sittlrq area or retret~ at ltgt1~ End of th~ lliISter beiroott taster bedRltln has ita firepllaquocentB lotlfch h triliiTed 1(111 norlle l~ tlt~ ftooriJ9 thJt1-IGhJt JMst~r bath rzi tlb in IllS ter bath 1 ampt-alor wt th clxibte shltloer hctado
h a t6r~ llalk-in cloet in bull~tr trooo 11tt~ buHtmiddotin orgbullniz amp ol-olve$ Le amrcqJI In rraquottor bllthCan
lNG ROOMDINING ROOM -o 12 ceHI~ in Uvl19 ~ tving roar h11 it 1$ Qllll ffrplate llttici a tr-fmoeltf uith rarblo ont co t~o dinllg roro thQr h a bar rem JJth e w$lkmiddotbehtrrl llH bgtr th~ 1aro1ly ftJoCt1 with a luilt-fn ref~t~rator amp fc Jor n stulptulOd c1rpetlrq in the livfhJ roato ard lldJont trca3
IA(E bull~biO n qood qtelity ~Llmiddotup rr- doors wHh liample dcor qJltn~rs bullilirqbull amp ~alls in the qgtragbull are finiohelti ot ~bullt~r ~tor hltla a rbullmiddotelrwlbulltlf ~ lottich plOIbulli~centamp notMt hgtt lf~ter to praoticany ort(tero t~ the hOJs~ 11t to tbe 90rigc la 8 ~tre cellar middot-et ba- liN 112 bllth
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Dwyer Appraisal
-iUPt-~~JL__ lroarty 6lt1bull~11 (lRtJ lob le
~~altl Cauntv~~ sra~ C4 II a~e lalll Lande1 OIA$E rtNII4TfAN FIIWICW eolt1
ADOitNDUM TO APPRAISAL
lnal Reconciliation
bullr Nl$ llo 1blo Reccrd5 $~bjeot has nat ~euro11 ~fated or told tn the pKt 12 rrcntlts ampnd h nat pr~$llntly listed
te nat cttampttt bull~u activity tn touthHrt california II e11p1rfenoif9 Lilli ted aetlvh~ dUo to a tlt~gglah OltOOft lotile ptql~rty vallo$ pear to llttve lttoclfne tn eore 11rtas other etelt~t are ~~le $ tlaquoM areas hll aGtuelly lncnut fn vat~ A pertloular llef~barlold fVIf Prfmce lhat ~r$ to be Iii t~~ary cleltline fn ~talue ldoltrt nveral ~r-s 1eve an wgent nHd ta aell lara aU ~t1rq for thl middot111hed nlnigtor of bitter~ llll~gtfbble Thfa h -ftered to be bull telpOnoryo aftuatfcn lohfch will oorreet Itself 4hen tM tOIIIXIral) Ooert~ly ~ b ebtorbod amp detend fncr111nJn bull111~ Ioiii~ hllgtl~ txperferncd laljle orplO)lMt ~ffa or oloVte of lalfe renufacturi~ plllt1t e rtcwery petofod formiddotp~ty v1tlut $ thl stobHlzatlcn of ~lfmng Yll~ claquo~lltl be atttantloUyiClIQltr amp lOft sown thon tEIIIlOrsry
this CQldltfltll is ratld or ena arprmf~r h ~$rt of It I~ l$ ~tod en bo amplfSl8rat~ adclrldln Nrefn middot
thh 11sprabal anfgrncntcal4ful ~~IGltI ot all curlltrt Mrket dllta wu conafltlerod ~llfch inclLdcd analy~1a ot cu~rmt ll$tlngs penii~ les aa wll ~ tJqtrld and -l~ lhtt~ P~lng aales 1rot~ltlthn 1 gfvm ratkat ar~ can rerg in vamplue wbst~ietly ~lng lfv~rQ area rccn cortt anenlties ncltrlng view or lllcc ot Vflll and 1q~~ta ~ ~tfa1 lf there litre pending MlM ~tlfdl N aio~~llal to subject In ovtral~ rarket Ollll4St1 cne Of~ of thtsa ~fng sslobull Mite beelt fncl~ fn thh tltport rt there 1111r1 no liHir per-ding ales ptnd111J alet lhich ~ltere not silttlar Ore not Usqd lhe u o1 ranbulltlnf lor Mles ~oWld Tlt~qJire thm vn of excQsfva 1 etbjetiw adjus~s leodfog illes 11119 adequE~tely teflect curr41lt ltlrklot derltJltf ~Mingo les of ptepcrtles stnflar to stbject at fees l~r thlo rtelt closed sal are gfwn tho roampt lieigntPendfng 14~ laquo f~gtlltr ~rtles hil1ltr prt-1lt1 than r~t eland sales 1 g1v151 o~~fniMl wf~t sin- tie~bull fa bull poulbllftl tlllt thay ftlt nat clo~e aaerou for a VarfOU IIUber of reafiOM
led ales withfll thl jlolst 30~ drtt aramp IIOlt raLteble alllcento tMy hlrw ctOltHQ amp Urrt are -t recent II tllo ebtenca qf reltenC eloeed gtendfngo satu 111 ~mtyenab f CM~ llstlnga ws also ~~ted ~in thitrt 1M be a llidbull ta~ t valuoa -llllble tor Uatl~a far 1 lfll~ tf abooa llstrga prlcad out ltgtt llfoat ~rata be reailcrollbltt range of wlut Wllftt not ccnalderol ~ und In tht rtthey hlaquovtt btco adJusted to t-4 prebogtlt ~~Gmntlllit a1 Mlt ta liat pric es reparteltt by tile Local 1Jltiplamp ~ittliG Service Further iuatmnts aN then ~eased en teatur~a coodftlcn etcent Hfnltral ~tight h given to t fatfnga ampitgtU they tore clrly d~trate til ~ lfroft of value for PtQPa~ths tfllilar to Sllbjet~t ftOir stbjeets narlcat Gru ~ are hMfr tile ro~t CYrrllt deta a~~ampftabl~ If cne t110 lfetlrgs 1evt nat ~ inotude In thl$ rtp~rt fn lieu of peldiJ sale t I$ becaue~ tfl~u ~bull nane ampYallabl~ coosldotrod to ba 1flar to stbullbject 1Qn-slllllor properttampS IIQIIld agin rltUir~ tM u- ot egtltltauw ZII1CIor Oj~t altljuatts tl1cn ckfeet th~ p~rpase Or bull eo~rabte t~lamp middot
middotmiddot====== =======~=--~----middot---bullmiddotmiddot-----middotmiddotmiddotmiddotmiddot~middotN---middotmiddotmiddot
FotbullN 32590~ DEFINITION OF MARKET VALUPIhe mott probaWo pric~ which amiddotpraporty ohOltifd brlnqin e bullampolfdve bull~d opbullnmorlltel undor ~~ conditions requltitbull to 11 loir oolo tho buyer ancl eampllor eech bullbull1ino prudently knltHYiodgubly and usurntng tht prloo Ebull not eHOlttAd bv undUltI inwus lmJ)iiclt In thlr dofini1lon the ltltgtMUmtn~tion ol bull af IPIltlifled deto Dnd thl poaslng or tidt ltom bullaJiar co buyer under oon4itlont wh~ttobY (1) buyor and wolltr ero Lyploanv motlvalltld 421 both panJsl art wnll infom~ed or 1dYid bullnd uch acting In who ha eonsidorbull M1t awn bs~t lntereot Ill bull roaaorlbullblo timamp is nllowod lor poevroln tho Ol)llt mabullbtl (41 lIY ibull medo in torms of ~bullbullh lrl u $ dollarbull 01 In tturno or flnonolel ~1111810nts oornp~rlbfo thereto artd (5) thogt ptlco lipiUIIItl rho normal caideratiltJn lor tha prop$ry aotd unefftc~od lly spociBI ot eroatlve nnancfng or ur ooWluslona bull granCed lly envone asbull soclarlld with the bullnit
bull Ad)ubulllmampolto to the acmp~roamplot mu~t be mede f~l 8ptclelat cres1iV9 finannlng or tlt~loa ooAonsiltgt~ No sdjuWYents bullrbull nao~orv
for tlto oo9t9 which ato 11ormally peid bv ttllilre 11 bull roeult ar trtdltlon or lew ln bull mrkot arbullbulll Ultse coots arerudlly ld911UII11No tlflus tht 1sller peya tMtt oootl In Yirtually ell eltlet tr~ntaotiant SPJclel ot orutlv liMnolng adU~tmontt can bt rnocle to the oommiddot plrable proportv ily aomptlisont to financing termbull offered by a third psrty instituric~lllandor thai io not afmtdv lnvclvad In tht propshyortv or trantecrlon Any Olltfjua~tnent aPtould not bm talaulartd on 1 meltgthbullnloel dollor for dollsr cabullt of tho ilnsnclng or oltmcot~lon but th~ dollar amtount of anv ad)ubulltmont ehtould apprlgtlCimato tht Markatbull rltbullaotlon to thl tlnonclnltr or ccncetlone baood on th~ onJ~Ufjorbull judgmeot
CltRTlFICATION AND STATEMENT OF LIMITING CONDITrONS CERTIFICATlON Thl Apprlliter ~artlllampbull ana reea thogtt
1 The Appr~llttr lult M prou11t or contemplollbulld futlire intorebulll in tJoe prcpbulllllbullpprlitampltl ~ncMithar lhs omJ)JO(mont to mako lite oppraluf nor he oom~~uutlon lor It Ia oantlngenf upon tho ejlpi~lbullad value of ho prGperrmiddotr
~ Thbull Apprmbullor hebull no paortallnter~al In or bias wfth repaot to th~ eubjogtet mtlter ol tho apptolool repo~ or tho pnr11clpanto 10 th oalo Tho eetlmlltt or Mor~at Vo11e In the lljlpraiul roport Iamp not ba~ In whola or In palt llpon the reco color or natlcn-lcHgin of thbull prcapoclfiM owMrs or ooouponl8 ol thapropJrlf eppralsod or u)on the taon ocor or notional origin of tho praunt ownoro or oocupantbull ol lito propartioe In t~ vfclnll( of rh~ IHGporty apprafbullad
3 Tho Appralttr hoe l)oroan~lly lntpeotad Utltl propwrty bolh lnaldbull ttnd a~r arltl ~ madbull an ooxurlot in1ptc1tan af ell cwnperehla bull~les ~~tod In lhfl npott To thbull but ctf tht Apprelearbull knowtodol~ sfd Hillel alt stttemenlbull and lnfarmotloh fn th~ roport 114 truo and bullbullmtal ~rtt tJe Apprel~ar h8t noc knovrngy wltllhtld ohV algnlneal1t lnfltJtrnatlon
4 All conlll~tnt end limiting ~ond1tlortt arbull GontalogtoJd hotoln limosbulld hy the termbull ol tha eoolgnmanl or by the LondtroiQnod olteotlngtlia anofJliOt Gplnloflt oond oonaluaonbull conralnad rn tha Fei)Ogtrlt
5 TNbull opproiulltpart has boon made In ~bullmforiTlty with ond Is oubreo( to tht ttqulr11lt1ampnto of tho Codamp of Pr~fassfanal Ethics end Stoinltlltls of Prolaolianal Conduort or thG bullpprnlssl GIQampnlznlant vmiddotlth whloh ~ha Al)rnlut Is afflneiad
8 All ooncluiliono end oplnlont concorrlno tlbulloo tatl aotbulltbull thst ort tet rarlflln tho apprUnl report ware prepari hv 1M Appralur whoto olgnoturo ooppoa on thltl ~tpproJI raport unlbullbullbull IMloatood a 11avltw Appralosr No ohenga of any Item 11 tho eppriiU~I t~port bullhall be mod~ by anyono othtt tluln ho Apptofnr ftnd lhamp Apprsleer ahall havo na rotponJbillly fer anv uah lttnouthodzed
ohbull~middot
CONTlNGllNT AND LIMITING CONDIIIOffil lt4rtlfialfllon of the Appraiser ~pp~lt~rtn11 In tM orppralsar roport Is subjaot to tna folfowlng oondttlons end to euoh other opecolrlo bullnciiiNJUng oondiHons u era aet forth bv Uo Ap(ltJieor in t~o rtport
1 The 1ppriHaer ~null4m M rslgtonslblijty for matte- of a legal neru affaotlng tha propampfV apptols~d or chbull titlt thbullrot~ not dcos tho Appralnr r~nltUt ~ny opinion bullbull to the tltlo whfh Is ftbull~m~d to bt good and matketnbt6 Tloa property appr41Ud es thouq h under tsspoleJbhbull ownerohfp
2 Anv tlltatoft In tlto r~tport may bullllow spproodmor~ dlmof$lona end fs lnolltlad Ia anlst th~ nad~r In oisuolfltlnQ th~ prop4ny 1M Apprsi~or hu made no svrvoy af tho proporly
a Thbull Appralosr io not qulrsd to ~lvamp tobulltiotiOl 01 appear in aouri bo~bullJIH of having m8damp thl appro1aal with ref~ ranco to Ute praportv in quetUcn unlaso arretlgemoobull ~avbull bbullon prlhi~raly mad OJ tftltmbullfor
4 Any dlbullttlbution of thltr valuation In lite rampport betwoen land nnd lmprovamtnts appfisf only urgtfar the malng prog~m af utiJI~otion The s-oparatbull valua11onbull tor lltnd ond b~lldlng tnuft not b~ Uliltld frt conjOncrioM with ShV aliter eppralslli and era invgtlld If to Uftd
5 Tha Appralut i~Jsumeo that thora ate no hlddon or un~ppsunt condlclono of thbull pt~p~ny eubactl ot strucntramp~ which waufd rendor It moro or lass vai1Jabi4 Tho Apprefs~r asournbullu 110 roponelblll1y tor tltr~h ctnditicent~bull or fM anglnaampring which rri~kt be required to discover auch fftctDn
8 Information ampS1iltnatet end o-piniont lurnlshed ra llta Apprai9et bullnd contained in tiN toport w~re obtornod hom ourebs oonsldmiddot orod reliolgtlo trd lgtnrtavad to bt truo and oorrect Howevar no rooponslbllitv fcrecrlllampey of eucl lome furnfohad tho Appraiser can bo BUUmod bv the Awrllsorr
1 Olactosuro of lite oontampnr oltho approJool ramppcrt fa gorned by 1ho9 Bvfbullwa ampnd fle~ul~1ions of rho protasnlonel ~pprohel orgbullnlshyl~tlona with which tno Ai=Pltbull~Gr is ~ffilialltd middot
4 Nafthor bullh nor bullny pert o( the CltltfG11 of tho tt~art Ot ~apy thet~of lincludino conolorolont oo to tho prop~~y vnfubull the identity of tnlt~ Approoor prohbulloiansl dlt~bulliglttlons r$loronc~ to ony jlrofQoslegtnill epplllal organiadono tho firm with which lho Approlnt ia connncttd) slutlt be u~od lot nny purpo~ lgty nnyoM but tho errant ~pooltl~d In tha repor tho bol~wor If approitol lu pnld by ~ovne tho mor1qo~aa or h$ Rtocurs erol nort)no morrgo~o lluurort conouitant profuofonsl dppraisef argnnllailtlmt any l~te or fllltlofllly optotovod finenol lne~tutian lny d~rgtbullrtmont agoncv or inttrumontaHy of doe Unt81 State9 or ~ny bullbull 01 lht Oishlot of Colutnbi~ without tfoe proviouo1 wrltttll oon~snt of tlo Approioar nobull bullhoU It bbull convbullvbulld by anyon~ to thbull Pltthll~ thiltlugh 8d~artiaibullltJ public rampIIIICiona news~ stflf or ocflor mbulldia wftfl)lft the writt111n CCnlont tl1id opprobull1d of Ula Appt~Sl~u~r
9 On 5iJ CJPDrehilll$ $Ubject to ~ldetactory cotnplrttlon rnparl or alt~ra1iDI9) thn epornlsnl -JCIrt ~~gtllf - ~r--~lt1slon Utl conHnmiddot gllnt upon coflyen1amption ol lho lflrevel)entl Ia a wnrkmanlik$ m-omr1Gr
BORROWER Dobkin
PROPERTY 6fl2() Lfdo Lnne rottr lleach ca 90803
Appraloorlbulll
YAioNbull~ FbullrrJt- MoM ~-m41~JULU-1 Fltlfm 1co~ n JJ~ 8~11
Dwyer Appraisal
Ftre No )illQ2_
~UP~~~~--------~-----------------~------------------------------------~p~~~ll~~~~e------middot----middot~------------------------------------~~---middotmiddot-----
f--Citv I~ Seilt~ CCUQ1 ~~middotlu---------~---~2i p_Codo_90ll3ltgt=-----~-__ Londer alASpound ~HioiTAii fUHltI~L tll27
AlPJlAISBi ClmTIFICAIIONS amp COMPLIANCE lllTH FIRRA REQUIREMFNlS
bull The puiJl1lle of thif f)Pgttlul b to estlllato hlr Harket Value as cleflnol In tho attamplthiod FHLK( fern 4J9of tt- bullbltrle deo~ribed real ~rty lhia appllliwt 1s f9r thamp SGt and txcl~ntv u1e of the ~e described ~~Cl l~tbull
lhta eAOreiL nay bo ~bulltd for federally ftlated rort~ lcall prrpous $bject to title XI o1 tho FIMnbullfbulll Insettuttcns Rtfon r~E~Wr) EllfGltcanetot Act of 1989 (IIAA61) The 1Mers1~ oppralter(a) aekrQtledg= ~flet thoy have rMd end Ydarstand tle Utfor arlfard$ of Proloslotw~l ~alool Prectf 1USIP 1 at they ~tocl end y bt atltndod 110lt1 tlre to tiM by thamp twrbullhal StIWdartfs gtard of the 4fgttaisal fonlatton ~rrl u trplenbted by IIOd 1nco~rsted fnto the oce (Off1oe of the CAlrtptrctltr of thamp Currency) ~Uqulatmiddot gtIU 1hla llgtrisampl QOIII)l with ilCC RegJlationt PSgtlt1 tfgte tlnl10~JI $tarderltls of Prof-teN~ P~cttca (IJSPtP)
the legal dorlptl011 9f tile prltlf)erty u ~on t~~ fi((t ~ of tMt t~R~rataal regtainod frm tha cnnty teK uunws riOOIds
middot ot-r ~rltgtd 11hlch ort eotiQred to ~ relloble- but Mt liJ(Irlltltoed Tho tot atgtd trs~t n~ lldar the aueuara par~L nlbller ~ra nsiIGIti lld~taly dtscriptlve ~ ~~ ot bull prtlbrirv~ry ti~lt report WIIoS rlaquoJUsted fron tb~ l~r bvt rltrt reeelv~ at the tiM llf loMe of this ~hsL
Th ~rlllampil$ eJtill8te af Nuaratgtle 1111rkttlng tine for ampAlje~ p~rty eelriltl~ ~hh the rlcetlng tiM shgtlm Cfl tht frolttt pogo It also rntated In the roment section en the nOOIICI ~ of tile lj)lltafaal
If tho tlbletta sa b val~ Is difforant thoR tite Estltcf valtJe t1~ val~ 11Hl bt stated in th ~te~oocfl btftlrl seetlcn of en rahal lepartlf thet are tne u~~e Qnly tigtQ aa 1 wlu~ 11 atatodA buH4fllQ Uldbullr ()()MtructOn ar In gtelaquolt of rqraquolra cr slttratfcns ll rerplre tilbull 1Ettita of llltrrktt vatbull lth tho ~~at~ 1albftct te box beilll chckocl Stlt thbull bac~ ptge of the ~pFn~iaal repon bull tha infanrat1et~
he scrpe of tMt flrahal frtoOlvod data oollettlon frcn vtltOIJa =r~t ta-fdered to be roliotblltJ 001 ~~ gvarantetd tn~ltdirg bst Li11itld to llblQ r~rd infec-t~Ltfa obta(hed flllfl hi lol COInty re=derbull Offiee Tll~ ll4tbQJfd1 t~oc Dmar local ttJttfple tlng a~vice1 buyen setteramp alli real ~t4te brQI(tra tooflrnotion Uo$ mt by ~ros~-cfleckirg fnfcr111tion ~ith tilt rorcu ntiCIlld middotthe llt~tultamp ere then repoltld fn the QWItlprfiltamp lrxirtftr~ on the bullr1lrel~l rtpOtt o~ ldd~lho pr1Mry data liOWCH bullrot provided the grid sectfoo lltfllt ap4U parnlb A phy$1cll 1npect1cn of tht fnt~tlor Itd exterior of the tlbject lrwerty 111 corjucte at ldltcl e thbull Epllraiter urilt t~o projlOrty l c~~loolated tlte orproJf-te l(fJare foe~ of l lvfrg amptea lhe ~raiamper tiiEtl ltIIcentltbull by tho fret
middot~h of tho laquot~~p~~rlblbulls ~nd tekh~ lIOtlta as to tMfr a~rrlftt ~leltol claquoldhioo for wul~tioo of their aolitiCII 11t ti~~e of salt
lhlre lilt~ rtl 11gt0141 pcraorat ~rty ttllfiS f1Mtut or tnt~rgb~t 1t~4 1101 notrolly ccnoidere bull part at tho rl MUte 1ncltdiod in i)raisod vatue of tht Pject ~rty My porKIIIl pr~rty iJ ~rteltl ltgtn l ttparete a6teldJ
the trltferbulllg~ed awratr(a) preaergtt end eertlfy thlrt~ (4) tt1e BProfoal auig1-t ~bull nat bas-M lt401 reqJtHIII nfnilltJil Vlluatflaquol eel fie valoetlro or tre owrltml Of toanBl etpiO)Wit of the appraiser wu rltrt oorditlmed OJgttO the awrabel produeii1Q a ~poet fie Jot or 10 1111lut vithfn a givon r9hgiJ CClfuru~ ~~t h rtGt d~~t qlCll en apprlhal prQdJclng a speelfie vatubull (D) amprp~t gten~atlltn ard fvtue eoplCY)lOnt Ire r-ot lasod ~ llllt~ leon lpPlicttioo h tppro~ed ltElnetlgtor the awrats rar any pelt(tl ~itlt
JOrerahlp intbullr~bullt In the ~ tqllaying the Gwrainr b rtla~~ to or hoa allj Wttrship or cthltr tlnncal lnterost 1rt eitller lxlildeobulldcvbulliper aeLler buoftr ror~e bttl~or Ct rtlt~l estate lltQk~r~~rsa (or a~y ~nM relatod to any of dlltr) irrol~ed in tNir~ti~ f) ihfoh this appntisal luu ~ raq1estod or utth th the l()t recalt nle or ratlnancfrg or irtY ll(OltIIty usid u a lttr11bte praportylogt thh epp-alsal ard (I) th lp9raiser h not ~~~o~are of tllf f~cta lhiltfl uould dtaqu~ify the frtn bcdng deelt to btt rwfeponrlltlft epprehel far ~rjlltI~H of $ltJQtion ~4S of th~ oee A9lotloo AOgulatiCgtlo
The IAdersignoltS apprainrCgt) h~relr ~ogtknltgttl~ ancl ~rtify that t~ltsy ar fbullJll) qBltliod ard Ogtltpqtetlt ly their training boltlge amp rience to f)rforll thh appr~hbulll II ~fter acltejgttallle of the ~tlgtrahol IHS lggtMt ald dullng the OJru of cordtlct f rg the ~wr~isal FPrampisr diac011ero tllilt tnoy ore rot fully ~t~ to jgtdrfor th owraiulthe ~ta~r will OOrjgtly vlth tht Coopetency ~ravtslcn SPAr
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~imiddot ~ middot
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SKETCHAREA TABLE ADDENDUM FileNo 325902
S BommtCIIMI
J~--~D~o~b~k~i~n~----------------------------------------------------------------4l Prapampltly Addreta
J ~--~6~0~2~0~L~~~middotd~o~L~a~n~e~----~----------------~--------------~~~--~----~ Clly County Stille Zlp Code
~ ~--~L~o~n~~B~e~a~c~h~------~------~L~o~s~~A~n~e~l~e~s~------~C~A~-------------------9~0~8~0~3~_____ ltndetr Chase ~anhattan Financial
BayMarina
3 fi
3rd Level Upper Level
ll~
Front of Property
LIVING AREACALCUIATIONS Area
bull middototmiddot
Narri~Of Are~ ltmiddot
ar~takdowk ~
SUbtotara ~=-~--~7f middot1middot
GlAl rhlrbullt tlcoi 249487 111o tlSO ~2U25
Bdariot t~d = -931011 s oo 4 somiddot bulll2150
fnterLc~r ftaln -UlS sso d(SO -3$475
POR )rd rv~l frbull~ 2Hoa s~o Ho l61i 0 7S
lM Lavl De~k lt4 so so )lOQ l~4 00
150 X 25 oo 8~0
noo X 2J~~ HLO
-60~ llU -s~ no -~50 X 110 -JLSO
-s n~ X 5-S~ bull so
-115
uobull X
r
~so
7cent1) -middot )]
H2C
llo~ X Qo 19 00
1)~0 X lM -Hz~
TOTAL UVABLE (rounded)
FdtiIT nbullroJJ
CAL~ULATIONS ADDENDlslVI
llla No 3259 0 2
Third Floor GLA3 Exterior Stairs (GLA3)
2150 X 1150 22Hn 110~ X 900 I)(J
-~00 X _0 X uso uso
-l~bulln
-15415
~50 X U50 24$15 bullbull so X uoo J0400 J 50 X 1500 0750
17(10 X 2150 au so _co X nso uoo bull3~0 X bullbullbull o ~uso
-too X 550 -UScent
-175 X llo -Cll
110 1 X lDO lt2bull
Total fot Arel 248487 Total ror Area 9900
Interior Staln1 (GA3 arct LeVa~ Deck (POR
--middotmiddot middot bullmiddotmiddot-middot
I3 o X l$0 4125 J050 X 500 IUOO
JOO X noo 5100
Totat for Area 4725 Total for Area 23400
3rd Level Deck (POR)
11oo X a so lHbull iO
Total for Area t4450
t
Pogo 1 or 1
FcrothJxcct
Dwyer Appraisa[
PLAT MAP
reg
CALvULATIONS ADDENDurvl
Thftd Floor (QLA3 Exterior Stal01 (GIA3)
u~~ X u~o UU2~ llOfl- X oo 00
-~0 X uJo -U2~0
-~-~0 X UJQ -ntu s so X p so X middot~50 X
o l~ oo 2 oo
Hmiddot 10(00
Of~~
1700 X 2JU 3 so -Joo X 1$0 uoo -)SO X poo middotlSO
00 X $50 -H 50
bulllo75 X liO -su nobull X 10~ uu
Total for Area 249487 Total fat ArEII ggoo
lntarrotStalra (GlA3 3rd laval Oeck (FIORi ~if middotmiddot
u~o X l~o nH ]050 X 6 oo I~J 00
)00 X 1) oo Hoo
Total for Araa 4725 Total for Araa 23400
3rd Lgvsf Dock (POR middot
no~ X ~-middot0
Total for Area 14450
Dwyer Appraisal Praoor~v Dorhgttion Analvbulllbull UNIFORM RESIQENTIAl APPRAISAL REPORT foife No32~
middot-------1
middot~ Nole~ R1~ W IN t1tc1-l ~omJ~Wh11 ot chll ~ct~ad ut nK erhttred tlltW~ ~~ fbulloIOflbull
~ coiAMiNHlt 9Jbiost it Laat-lti the letwt sltlrt 11nla eottlt~r~ g~allty Htatiel ~HYhou~i rtlllmt
lrJruJze ll~Cil Fr-(RltCftsJ m-~~4middot~ bullHn lartb ~~ref lest Good Oampintenanct leveh Pltgtttooo=Lbull=---t
l shltooinQ I rbullLat61 ~~~---middot------~-----~-IJ ~SEiAlT~ AOOEI(WI f(]lt iDPTlregL_06TAlL~)
i oewrAAL oucmos EgtTfRIO~ QUMJbullTrQlf oiNOlllCIN DAampIIINT IIUIgtATlON ~ mt__ Mftfrofl tcrCr-el_ lllltb m___ bullmiddot~n ~- n ~ 0
SLCIIcu lhrgL__ amptfuNbullt e So 1b II F~ IIA cu COO - ~tUyen09___
T~IllatAnl ltaened middot- 3iSL-- Bet ~ Ctll~ Jl_______ VIIUbull ~--- []1 ~~~ 0U1Jft (91yhl Glrlr~bullo~ 1int~ Hgt_l ~mplrnp ~ Wltft ~-- ~n~O~middot- ~wll(~ Wtdoi11yenTfO ~~ on rtore laS_ bull IJL__~ I( --- 0~---____ P1QDP2Gd ltlrm _ e1111m1nt ~-_4ot-ed 011lbull~t poundntr ~-~-Y lpounds1- [i~----middot UMu lotfUtctillll amp-~ $crtcr-w ~ lffuttllm ~ Noted__ ~ -~ Erc11r (Nitltulltbulli
ADL lYra) 2 MbullrfuluH Heut 12middot----~--~JY~_IA~-----------~~JU~JA~---- ~~t~ ---shyrrrt ti Jt bull iY1U 1-2 NA WA IfA
-middot---=-------------~--------middot--------~middot-----------middotmiddotmiddot~--~middot---middot----middot----
--middot--~middot------middot--middot-----middotmiddot----------cmiddot-------~-------~---middot-------1 Dbull~reclbulllit~ttQtllrbull)llrltri4Mtlll(loj_tcf1oollt11itu~ottrQpobullhrw-Ko-t~nlhMkn-t bull~~t bulls Jn Gad_OVfratl ~tt~cp~~t 1tld~eit5 O
_$fflod Sflilrs bullr~ noted -~ubleo_t lrdicatEgt1 lus1s Mif)Qr then t~-t preamptir~~~~e-1 d tbull ih lAISor ie_ ~r(r01t J=tilt-fl ampnl FlflC8hiK~~t 110tgto1n tlre nru r~ Sypkally 1llartllteror~lttcrfrmt tj ne lxgtlltlbl due J~ t~ach cotoIUilHy irtfluco lhi bull ~middot Ld ~--q ro TgteOgtUr~b Lo eftqt on middot~ieets Vftlue or llrkamptelgtjtj Y Iiithin th Cs mr-lket~---t rJt~d mbulltktt CONfil~f4 td puw1hn01 in~ lrnlbullc(in Utbe-~ctlNltt trU r~udllQ foirn51~rtt Wrut tJtrd61ront tld (QK4uiYf amp~ft OONittai-~ j)_rla itabt__ amp ~)lt()bull bull4 rot pr~(ent fn th~ ~rM Silil9cta 1lrsotlng ttq lotlfd l_s in e~lt~amp of 6 trltrtrs h -~qr~ in thin r-cl9~ ~9 1idlt_i9 ~ri~~dly DJUQJlH~~ro qf~~itsbl~ fg htrl)tr gtricltlt WMbull ThlbulltJ~Yi~iftIA~t Rf~ ~middot thmllllum SltIJthem CUfomlb middot
Dwyer Appraisal
f w Ft~ll Mill- Ptnbull Mat lhl r f0Wt ICf ~bullhtHUent tnd OMe lpcNch fOff111111 In 1hJtbullbullot -middot-~-l (l)tt tlt~ are ft01t lllltSMll amp fllift bullbull ~l es fnf01111ltfm -~~---~-----~middotmiddotmiddot --~ shyby l~gtltal llltHdersconva~taltbull lgt~tn ~DEO Mlq~E~----
I f-qoy E-bullmiddotntlbullbull ~a8111$mies bull - bullbullbulld ~----~---llloo~n L1ll_sl81~ bull 1vlfl amptLmiddotr~t~ et lftw bullbull bullbullbullbullbull bull bull _ _pound1Clt=--i
~at A~bull-M lllr INO$dlt Wife bulllt~ Fuulbull Mtol
DMa bullr~tf~nfOtft M tr()lleo~~-1bull HVDNA PI~( ICampt1dbulldt1 0 Vbull 0 Ho Nbullnbull tl Wtrttnly llrampQIL
HNoapltlrtl lllEIU~-----~--~---------1 Wnnll C016tqe EIM
~DICiTeO VAlUF BY SAIES COMPAAJSON APPROACH bullbull bullbull bullbull bull bulloiCAUlJ VJIILU IIY 1~twt APiiOAIA r1 Ap~eitlt~ t1dMilN trl-fIUI ~ $ ___)j[lJ~--- ~ K Otbullbullbull rt1nt ~IIPihr N bull bull ----~---J NIIIPfrJiut it mamp no abull 0 bullutf~t ID tr tepti-1 IIIOtbulltic-INIf(litll 01 ro~lliorwllIM lnl~rW 0 EGM~bull~ IU plttlll ant
b IQCtthai It bKampIIfl~ IM bull~t r~qitorntt~tbull~ IN-vtllloKft-laMIAJ+11 tMJ~tf~eod~41111 tMMbullriramplt ltf-t 6trrnh~ ttwt Jbullawtampt~ In
] frrtA UUO amplor VA lrat~ilo~ J lrc~rt Mbull~hmiddotM UO ltfn iJ9tlfiftntiMKFrm 008 at-1~J Old11~~~~ 16__
1EI PI ~Tpound 111pound MIXH VALVC A9 Drlmpound0 OF tff SUillCT PADIt~lY A9 or ___sW~----middot~ ~~~ bullbulligto I
IMII -M4eletBJ hrn t(bull ttw ttICI CbullWltCI tNt I (we) Mlt~lllllyhtptctef ~tt uPtcl PI7Mrtr ba1h lltlde td4bull1T
thJ r-t~r lttNt lt-Mt I ~ ltttt la Vol$4knd ntt~r rf41$rlt cbull ~~~~IJt-~11yenbull hetn
PtY-pryen161~----------middot--- Omd Ooi1N~l 6r Jtgtll~bulltwl NA-JE ~~ PrsoM~
Dwyer Appraisal SALES COMPARISON ANALYSIS
IIC9
Dwyer Appraisal SAlES COMPARISON ANALYSIS
Dwyer Appraisal
----~----------------~iltNDJmiddot -~~~Do~bw~~in~--~--------- --------------middot-----------------------shy
~~~Q~L~i~d~ok~La~nwe~---------------------------------~~----~~ 5lt11lJmlg~ Cg~nlty Lof 6ngele_amp__~_____s2Jtn11 Ca 2jp Codo 9Q80l
Ltncfo CilASE MANHATTAN FINANCIAL C02
AOOITIONAL MARW DATA OOMMENTS
omparab~es H4 5 and 6 were s~leeted f~ the Lido Isle area of Ne~rt Beach Although Lldo Isle s substantiaLly further south ot subject the island of Lldo baa stmllar eharacterlselea is not ttad and eorudderad sllllilar in overall market appeal
Jmparable U4 and Co~rabla 6 are both very s~ltar to subject in livlrtg area and the large lot lre Their location on the island and their bay)hnbor vbv is vary tmilsr to 3Ubjeots Large ~just~enta W6re not nacessa~y and thaae to cnmparablea are given considerable weight
~~able 05 has tnferior lot utility as well as living area ~ich raquired adjustment but tha Law was couaiderad s1mlar All three opound theaa co~arablu reflect similar construction quality 1d we~allmiddot marlcet lppeal
lmparables 7 8 and 9 are the beat of eu~ant liatinta avallable on the Naplaa islan~ within ose prOltilllity to subject Although they reflect construction quality and conditiOn more similar 1 aubject their inferior lot si~es snd utilit7 at vsll as living area required substantial ljuatments Current llstings are fumfslud to demonat~ate the upper 1~t opound value for the tbjee~bulla nampiahborhood Adjustments 1n the grid section reflect the approximate sates to lat middottee pereentaga probull1lded by the local Multip~e Listing Sarvice
DNyer Appraisal
___fgJ~~lri Proa rtv Addrau ~ ld9 tBM -~middot County lolll~tt ___J~ Zie Clllt ~
LKndet ClUE ~~ltATTolll fiiWICtAL (JIQ
AIgtDINDUM TO APPRAISAL
Ojt 1 loeaud witlbullitl t~e city lln1t~ of ~ Bead) Callt~fa IOrll Seech h toutod llgtrodnaUly 239 nie$ ~h o1 lA~ Jgamplu the ~llty seu o1 10 lneles CCUty The pl9atnt J~QpJlat fQl o1 lAtl Bead h lllPIgtthattly COO vi thin It 4971 tlll~ lle~ lhe ci~y Is bGrdered laquo1 the U)rth by lampblootl the $dfltf1 by u Pacific Ooeltl tl14 Vet by Olr5Qrl Std Latlta lld the East by Sql bullad end los Al~ltoa (OriJQe toTJtygt tt ia eUo bordered en ~flo lleat by tfle lcni Beldt CT10) FrtltMtf tlo llorth by the Sen Dieogt middot-y lmiddot~) allll the Salt by tiM san ~lot Rlwr F-y (I-60$) OottVtlertt 1~y middot~-s II I hlcflly lrelgtlo ftaturo tor bullbullfdlnts otto ~rte t the a~bull
thougl1 the city Is plfnar1ly 11 ruldtntal tQOUfty a stbsturtlat prtl01 a1 lWld 11114 Hsllfved tor trdJstrlal ~iat lit( Dfflcbull rtldlltiJS u~o lfajlaquoo siqlflllll COIIpltxa are acated th~t tte ity Cbulllitorni State llnlwrslty Wid IDrg Belich City t6lloge ere bulleated ln toog ampMch amp~ill to loroer Prb ale SQItttrod tnrl)jgcJt the city far tile re~oation usa of the resldoota
e fident1~l ~Xltmnides bullrbull cha~ttertlect lfith a 111Xtlltll of restdlltialvi~s tqing fll arell oldt loxl frlllle airqlamp fenily ~as ta l11rger1 rltNOt1 ~ra ~rn trset t~ txbulltng wlli~h bullr~ ~~lble ciJo to tke 11o1t11tt aitt fnfucn~
lje-ct t Lacatod In tJo SCYtbeat coMer of ltng Be~cit in ao arM alown u Naplu llpl03 h an iamplencl In tl1e eorttr of e 10g Botsch rfna and 1a IICicnuble fr011 he Ean bullnd tloe lint by Sa=d Stlttlt
bull rntigbolflood OOil4itU of avetbilebullgood ~bullelHy 01111-thrltlltl story detadled houus rliIQitgtg 1n elze frltn 1100 to SOCO ~~ ftet -r aecltou h appiQKItoly thrlt111 niles tut nt Nifborlood ml~ good lntwnt llt~ela Scxgth WwiJ ald rtlatd Vi~es orbull ~tntly QcaUd to the p~rty tie botlrdarl of t1le nefgfilomood ~~ct~ld ~ tM hlsnd faelf
~ faUna ts a hidllY dtagtle Gnd pre3tfolcus pllcente to Ulltt ltm Its grtat locatm j pttgtltity to tte ~at=r Tte lota arrood tilamp 1bullifOlter ot th4 itnf havt tJc3t dock to tile Net liUh tM obtfty to 1c~tt 50bull60 +ya-tu Dnttra of th4se ~~ have dlre~~ eocua
thofr OOta fred the r~r af tht pfQletty will ch can thelt be Moiuted thJQUdh tho ~ l cut to the Pat Ifie Olelaquol the hmu lrltMd bull l)fgtrf~teter olIIO hlve ~llent vie~~S of t1e bly 1d eft) llihta For ruldmh COl 1nte~lot Lab 1t It ltny a lllort walk to llfll of tlw V4te bcl-et tr the tidents and tMbullM prtl to w~ llcmu cr1 fnterlor tot t)l)1colly r-arg= In 1181114 11011 $150reg to ~tn)r
e~ the por11Mter ~th llllter frcntiiJI tgtP1ealty r~r99 fiQ1 SVXOOCO )Igt StOOCOOI- Thbull t~ In the IJJH b tC71Mrd~ the rexJHdlrg Otititien to rrdor ccnptota HnOcletlng of all otdeJ heriot tile hond ampooQ tM gtltltfMUI odjKeot to thamp bllltld Th1a trend
~~ltthelt-- tile rtobilfty of Mrka~ lamplue$ in the aNa
Dwyer Appraisal
Filo No
_B2~ttSilpn1 COOle In
Pbullbulluru l~st 8l20 Lido L)) Cllpound~~cfl C~llL2~bullLa Uabull c 2Q~ltIdbull ~
~middot----lendbullr CHAS ttAHKTrAN FIIIANCIAL tW
ADDENDUM TO APPRAISAL
XTERIOR FEATURES rtOIIltlc (ltIn tbtrs) $prinkler ampy$Ctn tn jrllrlt amprr yafltlp
wltold amp gottd llfltry to tht front dltlor provd~ privacy at 1141 u a frcnt patio for lddhiltt111l fbullnctio-at utility oblld p lltltert in t~ frltnt amp r r yard 1sta1 dr111CIIIIY Ia nade of aalld flags~
~~ front porch is~ of solid fl~tONO
111r yard enoleooed ootith a~middot hi~ btoek ~lt Thh proYidlte9 aitiONJ~ ueurty li~t obstru~tlng tile bay vie~~
CJJbulltltlll luilt bullPI in tte frat QQ(Itt)llrd bull 11 patio bullnbull elso hu 1 bulltmiddotfn 18Vfi~ft
lttio a~s t~s tM r of 1lltJ- b llco(e of solid fl]ttltllo
rt of the riNr patio 1~ It CfMbullrltJd by ttl~ seoni lelto~ol dedc
~TERIOR FEATURES JIIIStDIIII ftcarlng In MtJY hltJllnlf I t~~ m thegt 1bullt Uvl 1 sCCIId lbullvbulll Is all 2~~qJare 1111rblt YilOltXf qJJotty eubulltat e~gtrprtitiQ th~ the root of th om Item h~~~ qUII ity Stow-oo ayttn tlulCIltt the ~
J Cfllllity hcurlt) syatern th~t Joillltfl ta dNgt~t disl to a sacu~lty JK~nltorl~ Jbullrv1 ce nt~t len shutters thr~ tcglt~thar wf th 6tioer CtJbulltOltI ulndr1t eowri~bullmiddot
etaold llV~IJl9 dl~t -t prflllr) rcons ord t~Llolllys
to 12 ooilirQS tb~ ltlOSt Of tho hi3e bullll~tbull ere ptaced bulltrateic~lty thrctllflalt taD IClWII mot41t~t tlvalgtool tht houso rn tfoe addltOfll bedJQOM JtiiIOfef Uo((frdle dltxgtrt rt is 1lao a Mp~Jrato wine ltollar gt1ich h tlle~tatiClltly t~rswro I ~lfrate taltrollcd h a lourdry chute fiOIf tl~ llpl)r tel(a) to the lalndry ~ ~~~ at t_ lCooer lemiddot~L
TCHEN ot~rtopamp In fctttMn are tolid ~rooite
itOOltI flco~iJ In kitclen i nd area
Jlll~ cOltok~ aU othe~ top ctlIQIty lilltes amp fl~t~res und In tnt ktt~ as OMlL as the bullbullbullt of tho hoobullbull amp il a ampefgt6rete fet at thbull kitchen sl~k for inseartt hot lllltiH
- is a mr~ 114kmiddottn jlllftry lttich h bull very ~lrabla fbullbullturt usUIlly fafd In larlts rn tMt t~
bulle h IJ lalge built-In ref~ig9flltalt-tob-zero 1reeter lith the front ps~elamp Mtchlrg Uo cablrgtlttJY I~ the kltclltn
lULV ROOM fQnfly rogtOfllllls its on firqJlace
STER BEDROOM amp BATH llll$ter gtlaquo110011 fs Vol) ~paclobull tltch fa a typieal fcatTJre for thi~ ~ amp ptloe ~of ro ~ h a sittlrq area or retret~ at ltgt1~ End of th~ lliISter beiroott taster bedRltln has ita firepllaquocentB lotlfch h triliiTed 1(111 norlle l~ tlt~ ftooriJ9 thJt1-IGhJt JMst~r bath rzi tlb in IllS ter bath 1 ampt-alor wt th clxibte shltloer hctado
h a t6r~ llalk-in cloet in bull~tr trooo 11tt~ buHtmiddotin orgbullniz amp ol-olve$ Le amrcqJI In rraquottor bllthCan
lNG ROOMDINING ROOM -o 12 ceHI~ in Uvl19 ~ tving roar h11 it 1$ Qllll ffrplate llttici a tr-fmoeltf uith rarblo ont co t~o dinllg roro thQr h a bar rem JJth e w$lkmiddotbehtrrl llH bgtr th~ 1aro1ly ftJoCt1 with a luilt-fn ref~t~rator amp fc Jor n stulptulOd c1rpetlrq in the livfhJ roato ard lldJont trca3
IA(E bull~biO n qood qtelity ~Llmiddotup rr- doors wHh liample dcor qJltn~rs bullilirqbull amp ~alls in the qgtragbull are finiohelti ot ~bullt~r ~tor hltla a rbullmiddotelrwlbulltlf ~ lottich plOIbulli~centamp notMt hgtt lf~ter to praoticany ort(tero t~ the hOJs~ 11t to tbe 90rigc la 8 ~tre cellar middot-et ba- liN 112 bllth
~-===~----
Dwyer Appraisal
-iUPt-~~JL__ lroarty 6lt1bull~11 (lRtJ lob le
~~altl Cauntv~~ sra~ C4 II a~e lalll Lande1 OIA$E rtNII4TfAN FIIWICW eolt1
ADOitNDUM TO APPRAISAL
lnal Reconciliation
bullr Nl$ llo 1blo Reccrd5 $~bjeot has nat ~euro11 ~fated or told tn the pKt 12 rrcntlts ampnd h nat pr~$llntly listed
te nat cttampttt bull~u activity tn touthHrt california II e11p1rfenoif9 Lilli ted aetlvh~ dUo to a tlt~gglah OltOOft lotile ptql~rty vallo$ pear to llttve lttoclfne tn eore 11rtas other etelt~t are ~~le $ tlaquoM areas hll aGtuelly lncnut fn vat~ A pertloular llef~barlold fVIf Prfmce lhat ~r$ to be Iii t~~ary cleltline fn ~talue ldoltrt nveral ~r-s 1eve an wgent nHd ta aell lara aU ~t1rq for thl middot111hed nlnigtor of bitter~ llll~gtfbble Thfa h -ftered to be bull telpOnoryo aftuatfcn lohfch will oorreet Itself 4hen tM tOIIIXIral) Ooert~ly ~ b ebtorbod amp detend fncr111nJn bull111~ Ioiii~ hllgtl~ txperferncd laljle orplO)lMt ~ffa or oloVte of lalfe renufacturi~ plllt1t e rtcwery petofod formiddotp~ty v1tlut $ thl stobHlzatlcn of ~lfmng Yll~ claquo~lltl be atttantloUyiClIQltr amp lOft sown thon tEIIIlOrsry
this CQldltfltll is ratld or ena arprmf~r h ~$rt of It I~ l$ ~tod en bo amplfSl8rat~ adclrldln Nrefn middot
thh 11sprabal anfgrncntcal4ful ~~IGltI ot all curlltrt Mrket dllta wu conafltlerod ~llfch inclLdcd analy~1a ot cu~rmt ll$tlngs penii~ les aa wll ~ tJqtrld and -l~ lhtt~ P~lng aales 1rot~ltlthn 1 gfvm ratkat ar~ can rerg in vamplue wbst~ietly ~lng lfv~rQ area rccn cortt anenlties ncltrlng view or lllcc ot Vflll and 1q~~ta ~ ~tfa1 lf there litre pending MlM ~tlfdl N aio~~llal to subject In ovtral~ rarket Ollll4St1 cne Of~ of thtsa ~fng sslobull Mite beelt fncl~ fn thh tltport rt there 1111r1 no liHir per-ding ales ptnd111J alet lhich ~ltere not silttlar Ore not Usqd lhe u o1 ranbulltlnf lor Mles ~oWld Tlt~qJire thm vn of excQsfva 1 etbjetiw adjus~s leodfog illes 11119 adequE~tely teflect curr41lt ltlrklot derltJltf ~Mingo les of ptepcrtles stnflar to stbject at fees l~r thlo rtelt closed sal are gfwn tho roampt lieigntPendfng 14~ laquo f~gtlltr ~rtles hil1ltr prt-1lt1 than r~t eland sales 1 g1v151 o~~fniMl wf~t sin- tie~bull fa bull poulbllftl tlllt thay ftlt nat clo~e aaerou for a VarfOU IIUber of reafiOM
led ales withfll thl jlolst 30~ drtt aramp IIOlt raLteble alllcento tMy hlrw ctOltHQ amp Urrt are -t recent II tllo ebtenca qf reltenC eloeed gtendfngo satu 111 ~mtyenab f CM~ llstlnga ws also ~~ted ~in thitrt 1M be a llidbull ta~ t valuoa -llllble tor Uatl~a far 1 lfll~ tf abooa llstrga prlcad out ltgtt llfoat ~rata be reailcrollbltt range of wlut Wllftt not ccnalderol ~ und In tht rtthey hlaquovtt btco adJusted to t-4 prebogtlt ~~Gmntlllit a1 Mlt ta liat pric es reparteltt by tile Local 1Jltiplamp ~ittliG Service Further iuatmnts aN then ~eased en teatur~a coodftlcn etcent Hfnltral ~tight h given to t fatfnga ampitgtU they tore clrly d~trate til ~ lfroft of value for PtQPa~ths tfllilar to Sllbjet~t ftOir stbjeets narlcat Gru ~ are hMfr tile ro~t CYrrllt deta a~~ampftabl~ If cne t110 lfetlrgs 1evt nat ~ inotude In thl$ rtp~rt fn lieu of peldiJ sale t I$ becaue~ tfl~u ~bull nane ampYallabl~ coosldotrod to ba 1flar to stbullbject 1Qn-slllllor properttampS IIQIIld agin rltUir~ tM u- ot egtltltauw ZII1CIor Oj~t altljuatts tl1cn ckfeet th~ p~rpase Or bull eo~rabte t~lamp middot
middotmiddot====== =======~=--~----middot---bullmiddotmiddot-----middotmiddotmiddotmiddotmiddot~middotN---middotmiddotmiddot
FotbullN 32590~ DEFINITION OF MARKET VALUPIhe mott probaWo pric~ which amiddotpraporty ohOltifd brlnqin e bullampolfdve bull~d opbullnmorlltel undor ~~ conditions requltitbull to 11 loir oolo tho buyer ancl eampllor eech bullbull1ino prudently knltHYiodgubly and usurntng tht prloo Ebull not eHOlttAd bv undUltI inwus lmJ)iiclt In thlr dofini1lon the ltltgtMUmtn~tion ol bull af IPIltlifled deto Dnd thl poaslng or tidt ltom bullaJiar co buyer under oon4itlont wh~ttobY (1) buyor and wolltr ero Lyploanv motlvalltld 421 both panJsl art wnll infom~ed or 1dYid bullnd uch acting In who ha eonsidorbull M1t awn bs~t lntereot Ill bull roaaorlbullblo timamp is nllowod lor poevroln tho Ol)llt mabullbtl (41 lIY ibull medo in torms of ~bullbullh lrl u $ dollarbull 01 In tturno or flnonolel ~1111810nts oornp~rlbfo thereto artd (5) thogt ptlco lipiUIIItl rho normal caideratiltJn lor tha prop$ry aotd unefftc~od lly spociBI ot eroatlve nnancfng or ur ooWluslona bull granCed lly envone asbull soclarlld with the bullnit
bull Ad)ubulllmampolto to the acmp~roamplot mu~t be mede f~l 8ptclelat cres1iV9 finannlng or tlt~loa ooAonsiltgt~ No sdjuWYents bullrbull nao~orv
for tlto oo9t9 which ato 11ormally peid bv ttllilre 11 bull roeult ar trtdltlon or lew ln bull mrkot arbullbulll Ultse coots arerudlly ld911UII11No tlflus tht 1sller peya tMtt oootl In Yirtually ell eltlet tr~ntaotiant SPJclel ot orutlv liMnolng adU~tmontt can bt rnocle to the oommiddot plrable proportv ily aomptlisont to financing termbull offered by a third psrty instituric~lllandor thai io not afmtdv lnvclvad In tht propshyortv or trantecrlon Any Olltfjua~tnent aPtould not bm talaulartd on 1 meltgthbullnloel dollor for dollsr cabullt of tho ilnsnclng or oltmcot~lon but th~ dollar amtount of anv ad)ubulltmont ehtould apprlgtlCimato tht Markatbull rltbullaotlon to thl tlnonclnltr or ccncetlone baood on th~ onJ~Ufjorbull judgmeot
CltRTlFICATION AND STATEMENT OF LIMITING CONDITrONS CERTIFICATlON Thl Apprlliter ~artlllampbull ana reea thogtt
1 The Appr~llttr lult M prou11t or contemplollbulld futlire intorebulll in tJoe prcpbulllllbullpprlitampltl ~ncMithar lhs omJ)JO(mont to mako lite oppraluf nor he oom~~uutlon lor It Ia oantlngenf upon tho ejlpi~lbullad value of ho prGperrmiddotr
~ Thbull Apprmbullor hebull no paortallnter~al In or bias wfth repaot to th~ eubjogtet mtlter ol tho apptolool repo~ or tho pnr11clpanto 10 th oalo Tho eetlmlltt or Mor~at Vo11e In the lljlpraiul roport Iamp not ba~ In whola or In palt llpon the reco color or natlcn-lcHgin of thbull prcapoclfiM owMrs or ooouponl8 ol thapropJrlf eppralsod or u)on the taon ocor or notional origin of tho praunt ownoro or oocupantbull ol lito propartioe In t~ vfclnll( of rh~ IHGporty apprafbullad
3 Tho Appralttr hoe l)oroan~lly lntpeotad Utltl propwrty bolh lnaldbull ttnd a~r arltl ~ madbull an ooxurlot in1ptc1tan af ell cwnperehla bull~les ~~tod In lhfl npott To thbull but ctf tht Apprelearbull knowtodol~ sfd Hillel alt stttemenlbull and lnfarmotloh fn th~ roport 114 truo and bullbullmtal ~rtt tJe Apprel~ar h8t noc knovrngy wltllhtld ohV algnlneal1t lnfltJtrnatlon
4 All conlll~tnt end limiting ~ond1tlortt arbull GontalogtoJd hotoln limosbulld hy the termbull ol tha eoolgnmanl or by the LondtroiQnod olteotlngtlia anofJliOt Gplnloflt oond oonaluaonbull conralnad rn tha Fei)Ogtrlt
5 TNbull opproiulltpart has boon made In ~bullmforiTlty with ond Is oubreo( to tht ttqulr11lt1ampnto of tho Codamp of Pr~fassfanal Ethics end Stoinltlltls of Prolaolianal Conduort or thG bullpprnlssl GIQampnlznlant vmiddotlth whloh ~ha Al)rnlut Is afflneiad
8 All ooncluiliono end oplnlont concorrlno tlbulloo tatl aotbulltbull thst ort tet rarlflln tho apprUnl report ware prepari hv 1M Appralur whoto olgnoturo ooppoa on thltl ~tpproJI raport unlbullbullbull IMloatood a 11avltw Appralosr No ohenga of any Item 11 tho eppriiU~I t~port bullhall be mod~ by anyono othtt tluln ho Apptofnr ftnd lhamp Apprsleer ahall havo na rotponJbillly fer anv uah lttnouthodzed
ohbull~middot
CONTlNGllNT AND LIMITING CONDIIIOffil lt4rtlfialfllon of the Appraiser ~pp~lt~rtn11 In tM orppralsar roport Is subjaot to tna folfowlng oondttlons end to euoh other opecolrlo bullnciiiNJUng oondiHons u era aet forth bv Uo Ap(ltJieor in t~o rtport
1 The 1ppriHaer ~null4m M rslgtonslblijty for matte- of a legal neru affaotlng tha propampfV apptols~d or chbull titlt thbullrot~ not dcos tho Appralnr r~nltUt ~ny opinion bullbull to the tltlo whfh Is ftbull~m~d to bt good and matketnbt6 Tloa property appr41Ud es thouq h under tsspoleJbhbull ownerohfp
2 Anv tlltatoft In tlto r~tport may bullllow spproodmor~ dlmof$lona end fs lnolltlad Ia anlst th~ nad~r In oisuolfltlnQ th~ prop4ny 1M Apprsi~or hu made no svrvoy af tho proporly
a Thbull Appralosr io not qulrsd to ~lvamp tobulltiotiOl 01 appear in aouri bo~bullJIH of having m8damp thl appro1aal with ref~ ranco to Ute praportv in quetUcn unlaso arretlgemoobull ~avbull bbullon prlhi~raly mad OJ tftltmbullfor
4 Any dlbullttlbution of thltr valuation In lite rampport betwoen land nnd lmprovamtnts appfisf only urgtfar the malng prog~m af utiJI~otion The s-oparatbull valua11onbull tor lltnd ond b~lldlng tnuft not b~ Uliltld frt conjOncrioM with ShV aliter eppralslli and era invgtlld If to Uftd
5 Tha Appralut i~Jsumeo that thora ate no hlddon or un~ppsunt condlclono of thbull pt~p~ny eubactl ot strucntramp~ which waufd rendor It moro or lass vai1Jabi4 Tho Apprefs~r asournbullu 110 roponelblll1y tor tltr~h ctnditicent~bull or fM anglnaampring which rri~kt be required to discover auch fftctDn
8 Information ampS1iltnatet end o-piniont lurnlshed ra llta Apprai9et bullnd contained in tiN toport w~re obtornod hom ourebs oonsldmiddot orod reliolgtlo trd lgtnrtavad to bt truo and oorrect Howevar no rooponslbllitv fcrecrlllampey of eucl lome furnfohad tho Appraiser can bo BUUmod bv the Awrllsorr
1 Olactosuro of lite oontampnr oltho approJool ramppcrt fa gorned by 1ho9 Bvfbullwa ampnd fle~ul~1ions of rho protasnlonel ~pprohel orgbullnlshyl~tlona with which tno Ai=Pltbull~Gr is ~ffilialltd middot
4 Nafthor bullh nor bullny pert o( the CltltfG11 of tho tt~art Ot ~apy thet~of lincludino conolorolont oo to tho prop~~y vnfubull the identity of tnlt~ Approoor prohbulloiansl dlt~bulliglttlons r$loronc~ to ony jlrofQoslegtnill epplllal organiadono tho firm with which lho Approlnt ia connncttd) slutlt be u~od lot nny purpo~ lgty nnyoM but tho errant ~pooltl~d In tha repor tho bol~wor If approitol lu pnld by ~ovne tho mor1qo~aa or h$ Rtocurs erol nort)no morrgo~o lluurort conouitant profuofonsl dppraisef argnnllailtlmt any l~te or fllltlofllly optotovod finenol lne~tutian lny d~rgtbullrtmont agoncv or inttrumontaHy of doe Unt81 State9 or ~ny bullbull 01 lht Oishlot of Colutnbi~ without tfoe proviouo1 wrltttll oon~snt of tlo Approioar nobull bullhoU It bbull convbullvbulld by anyon~ to thbull Pltthll~ thiltlugh 8d~artiaibullltJ public rampIIIICiona news~ stflf or ocflor mbulldia wftfl)lft the writt111n CCnlont tl1id opprobull1d of Ula Appt~Sl~u~r
9 On 5iJ CJPDrehilll$ $Ubject to ~ldetactory cotnplrttlon rnparl or alt~ra1iDI9) thn epornlsnl -JCIrt ~~gtllf - ~r--~lt1slon Utl conHnmiddot gllnt upon coflyen1amption ol lho lflrevel)entl Ia a wnrkmanlik$ m-omr1Gr
BORROWER Dobkin
PROPERTY 6fl2() Lfdo Lnne rottr lleach ca 90803
Appraloorlbulll
YAioNbull~ FbullrrJt- MoM ~-m41~JULU-1 Fltlfm 1co~ n JJ~ 8~11
Dwyer Appraisal
Ftre No )illQ2_
~UP~~~~--------~-----------------~------------------------------------~p~~~ll~~~~e------middot----middot~------------------------------------~~---middotmiddot-----
f--Citv I~ Seilt~ CCUQ1 ~~middotlu---------~---~2i p_Codo_90ll3ltgt=-----~-__ Londer alASpound ~HioiTAii fUHltI~L tll27
AlPJlAISBi ClmTIFICAIIONS amp COMPLIANCE lllTH FIRRA REQUIREMFNlS
bull The puiJl1lle of thif f)Pgttlul b to estlllato hlr Harket Value as cleflnol In tho attamplthiod FHLK( fern 4J9of tt- bullbltrle deo~ribed real ~rty lhia appllliwt 1s f9r thamp SGt and txcl~ntv u1e of the ~e described ~~Cl l~tbull
lhta eAOreiL nay bo ~bulltd for federally ftlated rort~ lcall prrpous $bject to title XI o1 tho FIMnbullfbulll Insettuttcns Rtfon r~E~Wr) EllfGltcanetot Act of 1989 (IIAA61) The 1Mers1~ oppralter(a) aekrQtledg= ~flet thoy have rMd end Ydarstand tle Utfor arlfard$ of Proloslotw~l ~alool Prectf 1USIP 1 at they ~tocl end y bt atltndod 110lt1 tlre to tiM by thamp twrbullhal StIWdartfs gtard of the 4fgttaisal fonlatton ~rrl u trplenbted by IIOd 1nco~rsted fnto the oce (Off1oe of the CAlrtptrctltr of thamp Currency) ~Uqulatmiddot gtIU 1hla llgtrisampl QOIII)l with ilCC RegJlationt PSgtlt1 tfgte tlnl10~JI $tarderltls of Prof-teN~ P~cttca (IJSPtP)
the legal dorlptl011 9f tile prltlf)erty u ~on t~~ fi((t ~ of tMt t~R~rataal regtainod frm tha cnnty teK uunws riOOIds
middot ot-r ~rltgtd 11hlch ort eotiQred to ~ relloble- but Mt liJ(Irlltltoed Tho tot atgtd trs~t n~ lldar the aueuara par~L nlbller ~ra nsiIGIti lld~taly dtscriptlve ~ ~~ ot bull prtlbrirv~ry ti~lt report WIIoS rlaquoJUsted fron tb~ l~r bvt rltrt reeelv~ at the tiM llf loMe of this ~hsL
Th ~rlllampil$ eJtill8te af Nuaratgtle 1111rkttlng tine for ampAlje~ p~rty eelriltl~ ~hh the rlcetlng tiM shgtlm Cfl tht frolttt pogo It also rntated In the roment section en the nOOIICI ~ of tile lj)lltafaal
If tho tlbletta sa b val~ Is difforant thoR tite Estltcf valtJe t1~ val~ 11Hl bt stated in th ~te~oocfl btftlrl seetlcn of en rahal lepartlf thet are tne u~~e Qnly tigtQ aa 1 wlu~ 11 atatodA buH4fllQ Uldbullr ()()MtructOn ar In gtelaquolt of rqraquolra cr slttratfcns ll rerplre tilbull 1Ettita of llltrrktt vatbull lth tho ~~at~ 1albftct te box beilll chckocl Stlt thbull bac~ ptge of the ~pFn~iaal repon bull tha infanrat1et~
he scrpe of tMt flrahal frtoOlvod data oollettlon frcn vtltOIJa =r~t ta-fdered to be roliotblltJ 001 ~~ gvarantetd tn~ltdirg bst Li11itld to llblQ r~rd infec-t~Ltfa obta(hed flllfl hi lol COInty re=derbull Offiee Tll~ ll4tbQJfd1 t~oc Dmar local ttJttfple tlng a~vice1 buyen setteramp alli real ~t4te brQI(tra tooflrnotion Uo$ mt by ~ros~-cfleckirg fnfcr111tion ~ith tilt rorcu ntiCIlld middotthe llt~tultamp ere then repoltld fn the QWItlprfiltamp lrxirtftr~ on the bullr1lrel~l rtpOtt o~ ldd~lho pr1Mry data liOWCH bullrot provided the grid sectfoo lltfllt ap4U parnlb A phy$1cll 1npect1cn of tht fnt~tlor Itd exterior of the tlbject lrwerty 111 corjucte at ldltcl e thbull Epllraiter urilt t~o projlOrty l c~~loolated tlte orproJf-te l(fJare foe~ of l lvfrg amptea lhe ~raiamper tiiEtl ltIIcentltbull by tho fret
middot~h of tho laquot~~p~~rlblbulls ~nd tekh~ lIOtlta as to tMfr a~rrlftt ~leltol claquoldhioo for wul~tioo of their aolitiCII 11t ti~~e of salt
lhlre lilt~ rtl 11gt0141 pcraorat ~rty ttllfiS f1Mtut or tnt~rgb~t 1t~4 1101 notrolly ccnoidere bull part at tho rl MUte 1ncltdiod in i)raisod vatue of tht Pject ~rty My porKIIIl pr~rty iJ ~rteltl ltgtn l ttparete a6teldJ
the trltferbulllg~ed awratr(a) preaergtt end eertlfy thlrt~ (4) tt1e BProfoal auig1-t ~bull nat bas-M lt401 reqJtHIII nfnilltJil Vlluatflaquol eel fie valoetlro or tre owrltml Of toanBl etpiO)Wit of the appraiser wu rltrt oorditlmed OJgttO the awrabel produeii1Q a ~poet fie Jot or 10 1111lut vithfn a givon r9hgiJ CClfuru~ ~~t h rtGt d~~t qlCll en apprlhal prQdJclng a speelfie vatubull (D) amprp~t gten~atlltn ard fvtue eoplCY)lOnt Ire r-ot lasod ~ llllt~ leon lpPlicttioo h tppro~ed ltElnetlgtor the awrats rar any pelt(tl ~itlt
JOrerahlp intbullr~bullt In the ~ tqllaying the Gwrainr b rtla~~ to or hoa allj Wttrship or cthltr tlnncal lnterost 1rt eitller lxlildeobulldcvbulliper aeLler buoftr ror~e bttl~or Ct rtlt~l estate lltQk~r~~rsa (or a~y ~nM relatod to any of dlltr) irrol~ed in tNir~ti~ f) ihfoh this appntisal luu ~ raq1estod or utth th the l()t recalt nle or ratlnancfrg or irtY ll(OltIIty usid u a lttr11bte praportylogt thh epp-alsal ard (I) th lp9raiser h not ~~~o~are of tllf f~cta lhiltfl uould dtaqu~ify the frtn bcdng deelt to btt rwfeponrlltlft epprehel far ~rjlltI~H of $ltJQtion ~4S of th~ oee A9lotloo AOgulatiCgtlo
The IAdersignoltS apprainrCgt) h~relr ~ogtknltgttl~ ancl ~rtify that t~ltsy ar fbullJll) qBltliod ard Ogtltpqtetlt ly their training boltlge amp rience to f)rforll thh appr~hbulll II ~fter acltejgttallle of the ~tlgtrahol IHS lggtMt ald dullng the OJru of cordtlct f rg the ~wr~isal FPrampisr diac011ero tllilt tnoy ore rot fully ~t~ to jgtdrfor th owraiulthe ~ta~r will OOrjgtly vlth tht Coopetency ~ravtslcn SPAr
=-~--middot--~~_-=---------------__~----------===middot~
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~imiddot ~ middot
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6020 lido lane long beach ca - Google Maps Page I of I
To see all the details that are visible on the screen use the Print link next to the map
CAL~ULATIONS ADDENDlslVI
llla No 3259 0 2
Third Floor GLA3 Exterior Stairs (GLA3)
2150 X 1150 22Hn 110~ X 900 I)(J
-~00 X _0 X uso uso
-l~bulln
-15415
~50 X U50 24$15 bullbull so X uoo J0400 J 50 X 1500 0750
17(10 X 2150 au so _co X nso uoo bull3~0 X bullbullbull o ~uso
-too X 550 -UScent
-175 X llo -Cll
110 1 X lDO lt2bull
Total fot Arel 248487 Total ror Area 9900
Interior Staln1 (GA3 arct LeVa~ Deck (POR
--middotmiddot middot bullmiddotmiddot-middot
I3 o X l$0 4125 J050 X 500 IUOO
JOO X noo 5100
Totat for Area 4725 Total for Area 23400
3rd Level Deck (POR)
11oo X a so lHbull iO
Total for Area t4450
t
Pogo 1 or 1
FcrothJxcct
Dwyer Appraisa[
PLAT MAP
reg
CALvULATIONS ADDENDurvl
Thftd Floor (QLA3 Exterior Stal01 (GIA3)
u~~ X u~o UU2~ llOfl- X oo 00
-~0 X uJo -U2~0
-~-~0 X UJQ -ntu s so X p so X middot~50 X
o l~ oo 2 oo
Hmiddot 10(00
Of~~
1700 X 2JU 3 so -Joo X 1$0 uoo -)SO X poo middotlSO
00 X $50 -H 50
bulllo75 X liO -su nobull X 10~ uu
Total for Area 249487 Total fat ArEII ggoo
lntarrotStalra (GlA3 3rd laval Oeck (FIORi ~if middotmiddot
u~o X l~o nH ]050 X 6 oo I~J 00
)00 X 1) oo Hoo
Total for Araa 4725 Total for Araa 23400
3rd Lgvsf Dock (POR middot
no~ X ~-middot0
Total for Area 14450
Dwyer Appraisal Praoor~v Dorhgttion Analvbulllbull UNIFORM RESIQENTIAl APPRAISAL REPORT foife No32~
middot-------1
middot~ Nole~ R1~ W IN t1tc1-l ~omJ~Wh11 ot chll ~ct~ad ut nK erhttred tlltW~ ~~ fbulloIOflbull
~ coiAMiNHlt 9Jbiost it Laat-lti the letwt sltlrt 11nla eottlt~r~ g~allty Htatiel ~HYhou~i rtlllmt
lrJruJze ll~Cil Fr-(RltCftsJ m-~~4middot~ bullHn lartb ~~ref lest Good Oampintenanct leveh Pltgtttooo=Lbull=---t
l shltooinQ I rbullLat61 ~~~---middot------~-----~-IJ ~SEiAlT~ AOOEI(WI f(]lt iDPTlregL_06TAlL~)
i oewrAAL oucmos EgtTfRIO~ QUMJbullTrQlf oiNOlllCIN DAampIIINT IIUIgtATlON ~ mt__ Mftfrofl tcrCr-el_ lllltb m___ bullmiddot~n ~- n ~ 0
SLCIIcu lhrgL__ amptfuNbullt e So 1b II F~ IIA cu COO - ~tUyen09___
T~IllatAnl ltaened middot- 3iSL-- Bet ~ Ctll~ Jl_______ VIIUbull ~--- []1 ~~~ 0U1Jft (91yhl Glrlr~bullo~ 1int~ Hgt_l ~mplrnp ~ Wltft ~-- ~n~O~middot- ~wll(~ Wtdoi11yenTfO ~~ on rtore laS_ bull IJL__~ I( --- 0~---____ P1QDP2Gd ltlrm _ e1111m1nt ~-_4ot-ed 011lbull~t poundntr ~-~-Y lpounds1- [i~----middot UMu lotfUtctillll amp-~ $crtcr-w ~ lffuttllm ~ Noted__ ~ -~ Erc11r (Nitltulltbulli
ADL lYra) 2 MbullrfuluH Heut 12middot----~--~JY~_IA~-----------~~JU~JA~---- ~~t~ ---shyrrrt ti Jt bull iY1U 1-2 NA WA IfA
-middot---=-------------~--------middot--------~middot-----------middotmiddotmiddot~--~middot---middot----middot----
--middot--~middot------middot--middot-----middotmiddot----------cmiddot-------~-------~---middot-------1 Dbull~reclbulllit~ttQtllrbull)llrltri4Mtlll(loj_tcf1oollt11itu~ottrQpobullhrw-Ko-t~nlhMkn-t bull~~t bulls Jn Gad_OVfratl ~tt~cp~~t 1tld~eit5 O
_$fflod Sflilrs bullr~ noted -~ubleo_t lrdicatEgt1 lus1s Mif)Qr then t~-t preamptir~~~~e-1 d tbull ih lAISor ie_ ~r(r01t J=tilt-fl ampnl FlflC8hiK~~t 110tgto1n tlre nru r~ Sypkally 1llartllteror~lttcrfrmt tj ne lxgtlltlbl due J~ t~ach cotoIUilHy irtfluco lhi bull ~middot Ld ~--q ro TgteOgtUr~b Lo eftqt on middot~ieets Vftlue or llrkamptelgtjtj Y Iiithin th Cs mr-lket~---t rJt~d mbulltktt CONfil~f4 td puw1hn01 in~ lrnlbullc(in Utbe-~ctlNltt trU r~udllQ foirn51~rtt Wrut tJtrd61ront tld (QK4uiYf amp~ft OONittai-~ j)_rla itabt__ amp ~)lt()bull bull4 rot pr~(ent fn th~ ~rM Silil9cta 1lrsotlng ttq lotlfd l_s in e~lt~amp of 6 trltrtrs h -~qr~ in thin r-cl9~ ~9 1idlt_i9 ~ri~~dly DJUQJlH~~ro qf~~itsbl~ fg htrl)tr gtricltlt WMbull ThlbulltJ~Yi~iftIA~t Rf~ ~middot thmllllum SltIJthem CUfomlb middot
Dwyer Appraisal
f w Ft~ll Mill- Ptnbull Mat lhl r f0Wt ICf ~bullhtHUent tnd OMe lpcNch fOff111111 In 1hJtbullbullot -middot-~-l (l)tt tlt~ are ft01t lllltSMll amp fllift bullbull ~l es fnf01111ltfm -~~---~-----~middotmiddotmiddot --~ shyby l~gtltal llltHdersconva~taltbull lgt~tn ~DEO Mlq~E~----
I f-qoy E-bullmiddotntlbullbull ~a8111$mies bull - bullbullbulld ~----~---llloo~n L1ll_sl81~ bull 1vlfl amptLmiddotr~t~ et lftw bullbull bullbullbullbullbull bull bull _ _pound1Clt=--i
~at A~bull-M lllr INO$dlt Wife bulllt~ Fuulbull Mtol
DMa bullr~tf~nfOtft M tr()lleo~~-1bull HVDNA PI~( ICampt1dbulldt1 0 Vbull 0 Ho Nbullnbull tl Wtrttnly llrampQIL
HNoapltlrtl lllEIU~-----~--~---------1 Wnnll C016tqe EIM
~DICiTeO VAlUF BY SAIES COMPAAJSON APPROACH bullbull bullbull bullbull bull bulloiCAUlJ VJIILU IIY 1~twt APiiOAIA r1 Ap~eitlt~ t1dMilN trl-fIUI ~ $ ___)j[lJ~--- ~ K Otbullbullbull rt1nt ~IIPihr N bull bull ----~---J NIIIPfrJiut it mamp no abull 0 bullutf~t ID tr tepti-1 IIIOtbulltic-INIf(litll 01 ro~lliorwllIM lnl~rW 0 EGM~bull~ IU plttlll ant
b IQCtthai It bKampIIfl~ IM bull~t r~qitorntt~tbull~ IN-vtllloKft-laMIAJ+11 tMJ~tf~eod~41111 tMMbullriramplt ltf-t 6trrnh~ ttwt Jbullawtampt~ In
] frrtA UUO amplor VA lrat~ilo~ J lrc~rt Mbull~hmiddotM UO ltfn iJ9tlfiftntiMKFrm 008 at-1~J Old11~~~~ 16__
1EI PI ~Tpound 111pound MIXH VALVC A9 Drlmpound0 OF tff SUillCT PADIt~lY A9 or ___sW~----middot~ ~~~ bullbulligto I
IMII -M4eletBJ hrn t(bull ttw ttICI CbullWltCI tNt I (we) Mlt~lllllyhtptctef ~tt uPtcl PI7Mrtr ba1h lltlde td4bull1T
thJ r-t~r lttNt lt-Mt I ~ ltttt la Vol$4knd ntt~r rf41$rlt cbull ~~~~IJt-~11yenbull hetn
PtY-pryen161~----------middot--- Omd Ooi1N~l 6r Jtgtll~bulltwl NA-JE ~~ PrsoM~
Dwyer Appraisal SALES COMPARISON ANALYSIS
IIC9
Dwyer Appraisal SAlES COMPARISON ANALYSIS
Dwyer Appraisal
----~----------------~iltNDJmiddot -~~~Do~bw~~in~--~--------- --------------middot-----------------------shy
~~~Q~L~i~d~ok~La~nwe~---------------------------------~~----~~ 5lt11lJmlg~ Cg~nlty Lof 6ngele_amp__~_____s2Jtn11 Ca 2jp Codo 9Q80l
Ltncfo CilASE MANHATTAN FINANCIAL C02
AOOITIONAL MARW DATA OOMMENTS
omparab~es H4 5 and 6 were s~leeted f~ the Lido Isle area of Ne~rt Beach Although Lldo Isle s substantiaLly further south ot subject the island of Lldo baa stmllar eharacterlselea is not ttad and eorudderad sllllilar in overall market appeal
Jmparable U4 and Co~rabla 6 are both very s~ltar to subject in livlrtg area and the large lot lre Their location on the island and their bay)hnbor vbv is vary tmilsr to 3Ubjeots Large ~just~enta W6re not nacessa~y and thaae to cnmparablea are given considerable weight
~~able 05 has tnferior lot utility as well as living area ~ich raquired adjustment but tha Law was couaiderad s1mlar All three opound theaa co~arablu reflect similar construction quality 1d we~allmiddot marlcet lppeal
lmparables 7 8 and 9 are the beat of eu~ant liatinta avallable on the Naplaa islan~ within ose prOltilllity to subject Although they reflect construction quality and conditiOn more similar 1 aubject their inferior lot si~es snd utilit7 at vsll as living area required substantial ljuatments Current llstings are fumfslud to demonat~ate the upper 1~t opound value for the tbjee~bulla nampiahborhood Adjustments 1n the grid section reflect the approximate sates to lat middottee pereentaga probull1lded by the local Multip~e Listing Sarvice
DNyer Appraisal
___fgJ~~lri Proa rtv Addrau ~ ld9 tBM -~middot County lolll~tt ___J~ Zie Clllt ~
LKndet ClUE ~~ltATTolll fiiWICtAL (JIQ
AIgtDINDUM TO APPRAISAL
Ojt 1 loeaud witlbullitl t~e city lln1t~ of ~ Bead) Callt~fa IOrll Seech h toutod llgtrodnaUly 239 nie$ ~h o1 lA~ Jgamplu the ~llty seu o1 10 lneles CCUty The pl9atnt J~QpJlat fQl o1 lAtl Bead h lllPIgtthattly COO vi thin It 4971 tlll~ lle~ lhe ci~y Is bGrdered laquo1 the U)rth by lampblootl the $dfltf1 by u Pacific Ooeltl tl14 Vet by Olr5Qrl Std Latlta lld the East by Sql bullad end los Al~ltoa (OriJQe toTJtygt tt ia eUo bordered en ~flo lleat by tfle lcni Beldt CT10) FrtltMtf tlo llorth by the Sen Dieogt middot-y lmiddot~) allll the Salt by tiM san ~lot Rlwr F-y (I-60$) OottVtlertt 1~y middot~-s II I hlcflly lrelgtlo ftaturo tor bullbullfdlnts otto ~rte t the a~bull
thougl1 the city Is plfnar1ly 11 ruldtntal tQOUfty a stbsturtlat prtl01 a1 lWld 11114 Hsllfved tor trdJstrlal ~iat lit( Dfflcbull rtldlltiJS u~o lfajlaquoo siqlflllll COIIpltxa are acated th~t tte ity Cbulllitorni State llnlwrslty Wid IDrg Belich City t6lloge ere bulleated ln toog ampMch amp~ill to loroer Prb ale SQItttrod tnrl)jgcJt the city far tile re~oation usa of the resldoota
e fident1~l ~Xltmnides bullrbull cha~ttertlect lfith a 111Xtlltll of restdlltialvi~s tqing fll arell oldt loxl frlllle airqlamp fenily ~as ta l11rger1 rltNOt1 ~ra ~rn trset t~ txbulltng wlli~h bullr~ ~~lble ciJo to tke 11o1t11tt aitt fnfucn~
lje-ct t Lacatod In tJo SCYtbeat coMer of ltng Be~cit in ao arM alown u Naplu llpl03 h an iamplencl In tl1e eorttr of e 10g Botsch rfna and 1a IICicnuble fr011 he Ean bullnd tloe lint by Sa=d Stlttlt
bull rntigbolflood OOil4itU of avetbilebullgood ~bullelHy 01111-thrltlltl story detadled houus rliIQitgtg 1n elze frltn 1100 to SOCO ~~ ftet -r aecltou h appiQKItoly thrlt111 niles tut nt Nifborlood ml~ good lntwnt llt~ela Scxgth WwiJ ald rtlatd Vi~es orbull ~tntly QcaUd to the p~rty tie botlrdarl of t1le nefgfilomood ~~ct~ld ~ tM hlsnd faelf
~ faUna ts a hidllY dtagtle Gnd pre3tfolcus pllcente to Ulltt ltm Its grtat locatm j pttgtltity to tte ~at=r Tte lota arrood tilamp 1bullifOlter ot th4 itnf havt tJc3t dock to tile Net liUh tM obtfty to 1c~tt 50bull60 +ya-tu Dnttra of th4se ~~ have dlre~~ eocua
thofr OOta fred the r~r af tht pfQletty will ch can thelt be Moiuted thJQUdh tho ~ l cut to the Pat Ifie Olelaquol the hmu lrltMd bull l)fgtrf~teter olIIO hlve ~llent vie~~S of t1e bly 1d eft) llihta For ruldmh COl 1nte~lot Lab 1t It ltny a lllort walk to llfll of tlw V4te bcl-et tr the tidents and tMbullM prtl to w~ llcmu cr1 fnterlor tot t)l)1colly r-arg= In 1181114 11011 $150reg to ~tn)r
e~ the por11Mter ~th llllter frcntiiJI tgtP1ealty r~r99 fiQ1 SVXOOCO )Igt StOOCOOI- Thbull t~ In the IJJH b tC71Mrd~ the rexJHdlrg Otititien to rrdor ccnptota HnOcletlng of all otdeJ heriot tile hond ampooQ tM gtltltfMUI odjKeot to thamp bllltld Th1a trend
~~ltthelt-- tile rtobilfty of Mrka~ lamplue$ in the aNa
Dwyer Appraisal
Filo No
_B2~ttSilpn1 COOle In
Pbullbulluru l~st 8l20 Lido L)) Cllpound~~cfl C~llL2~bullLa Uabull c 2Q~ltIdbull ~
~middot----lendbullr CHAS ttAHKTrAN FIIIANCIAL tW
ADDENDUM TO APPRAISAL
XTERIOR FEATURES rtOIIltlc (ltIn tbtrs) $prinkler ampy$Ctn tn jrllrlt amprr yafltlp
wltold amp gottd llfltry to tht front dltlor provd~ privacy at 1141 u a frcnt patio for lddhiltt111l fbullnctio-at utility oblld p lltltert in t~ frltnt amp r r yard 1sta1 dr111CIIIIY Ia nade of aalld flags~
~~ front porch is~ of solid fl~tONO
111r yard enoleooed ootith a~middot hi~ btoek ~lt Thh proYidlte9 aitiONJ~ ueurty li~t obstru~tlng tile bay vie~~
CJJbulltltlll luilt bullPI in tte frat QQ(Itt)llrd bull 11 patio bullnbull elso hu 1 bulltmiddotfn 18Vfi~ft
lttio a~s t~s tM r of 1lltJ- b llco(e of solid fl]ttltllo
rt of the riNr patio 1~ It CfMbullrltJd by ttl~ seoni lelto~ol dedc
~TERIOR FEATURES JIIIStDIIII ftcarlng In MtJY hltJllnlf I t~~ m thegt 1bullt Uvl 1 sCCIId lbullvbulll Is all 2~~qJare 1111rblt YilOltXf qJJotty eubulltat e~gtrprtitiQ th~ the root of th om Item h~~~ qUII ity Stow-oo ayttn tlulCIltt the ~
J Cfllllity hcurlt) syatern th~t Joillltfl ta dNgt~t disl to a sacu~lty JK~nltorl~ Jbullrv1 ce nt~t len shutters thr~ tcglt~thar wf th 6tioer CtJbulltOltI ulndr1t eowri~bullmiddot
etaold llV~IJl9 dl~t -t prflllr) rcons ord t~Llolllys
to 12 ooilirQS tb~ ltlOSt Of tho hi3e bullll~tbull ere ptaced bulltrateic~lty thrctllflalt taD IClWII mot41t~t tlvalgtool tht houso rn tfoe addltOfll bedJQOM JtiiIOfef Uo((frdle dltxgtrt rt is 1lao a Mp~Jrato wine ltollar gt1ich h tlle~tatiClltly t~rswro I ~lfrate taltrollcd h a lourdry chute fiOIf tl~ llpl)r tel(a) to the lalndry ~ ~~~ at t_ lCooer lemiddot~L
TCHEN ot~rtopamp In fctttMn are tolid ~rooite
itOOltI flco~iJ In kitclen i nd area
Jlll~ cOltok~ aU othe~ top ctlIQIty lilltes amp fl~t~res und In tnt ktt~ as OMlL as the bullbullbullt of tho hoobullbull amp il a ampefgt6rete fet at thbull kitchen sl~k for inseartt hot lllltiH
- is a mr~ 114kmiddottn jlllftry lttich h bull very ~lrabla fbullbullturt usUIlly fafd In larlts rn tMt t~
bulle h IJ lalge built-In ref~ig9flltalt-tob-zero 1reeter lith the front ps~elamp Mtchlrg Uo cablrgtlttJY I~ the kltclltn
lULV ROOM fQnfly rogtOfllllls its on firqJlace
STER BEDROOM amp BATH llll$ter gtlaquo110011 fs Vol) ~paclobull tltch fa a typieal fcatTJre for thi~ ~ amp ptloe ~of ro ~ h a sittlrq area or retret~ at ltgt1~ End of th~ lliISter beiroott taster bedRltln has ita firepllaquocentB lotlfch h triliiTed 1(111 norlle l~ tlt~ ftooriJ9 thJt1-IGhJt JMst~r bath rzi tlb in IllS ter bath 1 ampt-alor wt th clxibte shltloer hctado
h a t6r~ llalk-in cloet in bull~tr trooo 11tt~ buHtmiddotin orgbullniz amp ol-olve$ Le amrcqJI In rraquottor bllthCan
lNG ROOMDINING ROOM -o 12 ceHI~ in Uvl19 ~ tving roar h11 it 1$ Qllll ffrplate llttici a tr-fmoeltf uith rarblo ont co t~o dinllg roro thQr h a bar rem JJth e w$lkmiddotbehtrrl llH bgtr th~ 1aro1ly ftJoCt1 with a luilt-fn ref~t~rator amp fc Jor n stulptulOd c1rpetlrq in the livfhJ roato ard lldJont trca3
IA(E bull~biO n qood qtelity ~Llmiddotup rr- doors wHh liample dcor qJltn~rs bullilirqbull amp ~alls in the qgtragbull are finiohelti ot ~bullt~r ~tor hltla a rbullmiddotelrwlbulltlf ~ lottich plOIbulli~centamp notMt hgtt lf~ter to praoticany ort(tero t~ the hOJs~ 11t to tbe 90rigc la 8 ~tre cellar middot-et ba- liN 112 bllth
~-===~----
Dwyer Appraisal
-iUPt-~~JL__ lroarty 6lt1bull~11 (lRtJ lob le
~~altl Cauntv~~ sra~ C4 II a~e lalll Lande1 OIA$E rtNII4TfAN FIIWICW eolt1
ADOitNDUM TO APPRAISAL
lnal Reconciliation
bullr Nl$ llo 1blo Reccrd5 $~bjeot has nat ~euro11 ~fated or told tn the pKt 12 rrcntlts ampnd h nat pr~$llntly listed
te nat cttampttt bull~u activity tn touthHrt california II e11p1rfenoif9 Lilli ted aetlvh~ dUo to a tlt~gglah OltOOft lotile ptql~rty vallo$ pear to llttve lttoclfne tn eore 11rtas other etelt~t are ~~le $ tlaquoM areas hll aGtuelly lncnut fn vat~ A pertloular llef~barlold fVIf Prfmce lhat ~r$ to be Iii t~~ary cleltline fn ~talue ldoltrt nveral ~r-s 1eve an wgent nHd ta aell lara aU ~t1rq for thl middot111hed nlnigtor of bitter~ llll~gtfbble Thfa h -ftered to be bull telpOnoryo aftuatfcn lohfch will oorreet Itself 4hen tM tOIIIXIral) Ooert~ly ~ b ebtorbod amp detend fncr111nJn bull111~ Ioiii~ hllgtl~ txperferncd laljle orplO)lMt ~ffa or oloVte of lalfe renufacturi~ plllt1t e rtcwery petofod formiddotp~ty v1tlut $ thl stobHlzatlcn of ~lfmng Yll~ claquo~lltl be atttantloUyiClIQltr amp lOft sown thon tEIIIlOrsry
this CQldltfltll is ratld or ena arprmf~r h ~$rt of It I~ l$ ~tod en bo amplfSl8rat~ adclrldln Nrefn middot
thh 11sprabal anfgrncntcal4ful ~~IGltI ot all curlltrt Mrket dllta wu conafltlerod ~llfch inclLdcd analy~1a ot cu~rmt ll$tlngs penii~ les aa wll ~ tJqtrld and -l~ lhtt~ P~lng aales 1rot~ltlthn 1 gfvm ratkat ar~ can rerg in vamplue wbst~ietly ~lng lfv~rQ area rccn cortt anenlties ncltrlng view or lllcc ot Vflll and 1q~~ta ~ ~tfa1 lf there litre pending MlM ~tlfdl N aio~~llal to subject In ovtral~ rarket Ollll4St1 cne Of~ of thtsa ~fng sslobull Mite beelt fncl~ fn thh tltport rt there 1111r1 no liHir per-ding ales ptnd111J alet lhich ~ltere not silttlar Ore not Usqd lhe u o1 ranbulltlnf lor Mles ~oWld Tlt~qJire thm vn of excQsfva 1 etbjetiw adjus~s leodfog illes 11119 adequE~tely teflect curr41lt ltlrklot derltJltf ~Mingo les of ptepcrtles stnflar to stbject at fees l~r thlo rtelt closed sal are gfwn tho roampt lieigntPendfng 14~ laquo f~gtlltr ~rtles hil1ltr prt-1lt1 than r~t eland sales 1 g1v151 o~~fniMl wf~t sin- tie~bull fa bull poulbllftl tlllt thay ftlt nat clo~e aaerou for a VarfOU IIUber of reafiOM
led ales withfll thl jlolst 30~ drtt aramp IIOlt raLteble alllcento tMy hlrw ctOltHQ amp Urrt are -t recent II tllo ebtenca qf reltenC eloeed gtendfngo satu 111 ~mtyenab f CM~ llstlnga ws also ~~ted ~in thitrt 1M be a llidbull ta~ t valuoa -llllble tor Uatl~a far 1 lfll~ tf abooa llstrga prlcad out ltgtt llfoat ~rata be reailcrollbltt range of wlut Wllftt not ccnalderol ~ und In tht rtthey hlaquovtt btco adJusted to t-4 prebogtlt ~~Gmntlllit a1 Mlt ta liat pric es reparteltt by tile Local 1Jltiplamp ~ittliG Service Further iuatmnts aN then ~eased en teatur~a coodftlcn etcent Hfnltral ~tight h given to t fatfnga ampitgtU they tore clrly d~trate til ~ lfroft of value for PtQPa~ths tfllilar to Sllbjet~t ftOir stbjeets narlcat Gru ~ are hMfr tile ro~t CYrrllt deta a~~ampftabl~ If cne t110 lfetlrgs 1evt nat ~ inotude In thl$ rtp~rt fn lieu of peldiJ sale t I$ becaue~ tfl~u ~bull nane ampYallabl~ coosldotrod to ba 1flar to stbullbject 1Qn-slllllor properttampS IIQIIld agin rltUir~ tM u- ot egtltltauw ZII1CIor Oj~t altljuatts tl1cn ckfeet th~ p~rpase Or bull eo~rabte t~lamp middot
middotmiddot====== =======~=--~----middot---bullmiddotmiddot-----middotmiddotmiddotmiddotmiddot~middotN---middotmiddotmiddot
FotbullN 32590~ DEFINITION OF MARKET VALUPIhe mott probaWo pric~ which amiddotpraporty ohOltifd brlnqin e bullampolfdve bull~d opbullnmorlltel undor ~~ conditions requltitbull to 11 loir oolo tho buyer ancl eampllor eech bullbull1ino prudently knltHYiodgubly and usurntng tht prloo Ebull not eHOlttAd bv undUltI inwus lmJ)iiclt In thlr dofini1lon the ltltgtMUmtn~tion ol bull af IPIltlifled deto Dnd thl poaslng or tidt ltom bullaJiar co buyer under oon4itlont wh~ttobY (1) buyor and wolltr ero Lyploanv motlvalltld 421 both panJsl art wnll infom~ed or 1dYid bullnd uch acting In who ha eonsidorbull M1t awn bs~t lntereot Ill bull roaaorlbullblo timamp is nllowod lor poevroln tho Ol)llt mabullbtl (41 lIY ibull medo in torms of ~bullbullh lrl u $ dollarbull 01 In tturno or flnonolel ~1111810nts oornp~rlbfo thereto artd (5) thogt ptlco lipiUIIItl rho normal caideratiltJn lor tha prop$ry aotd unefftc~od lly spociBI ot eroatlve nnancfng or ur ooWluslona bull granCed lly envone asbull soclarlld with the bullnit
bull Ad)ubulllmampolto to the acmp~roamplot mu~t be mede f~l 8ptclelat cres1iV9 finannlng or tlt~loa ooAonsiltgt~ No sdjuWYents bullrbull nao~orv
for tlto oo9t9 which ato 11ormally peid bv ttllilre 11 bull roeult ar trtdltlon or lew ln bull mrkot arbullbulll Ultse coots arerudlly ld911UII11No tlflus tht 1sller peya tMtt oootl In Yirtually ell eltlet tr~ntaotiant SPJclel ot orutlv liMnolng adU~tmontt can bt rnocle to the oommiddot plrable proportv ily aomptlisont to financing termbull offered by a third psrty instituric~lllandor thai io not afmtdv lnvclvad In tht propshyortv or trantecrlon Any Olltfjua~tnent aPtould not bm talaulartd on 1 meltgthbullnloel dollor for dollsr cabullt of tho ilnsnclng or oltmcot~lon but th~ dollar amtount of anv ad)ubulltmont ehtould apprlgtlCimato tht Markatbull rltbullaotlon to thl tlnonclnltr or ccncetlone baood on th~ onJ~Ufjorbull judgmeot
CltRTlFICATION AND STATEMENT OF LIMITING CONDITrONS CERTIFICATlON Thl Apprlliter ~artlllampbull ana reea thogtt
1 The Appr~llttr lult M prou11t or contemplollbulld futlire intorebulll in tJoe prcpbulllllbullpprlitampltl ~ncMithar lhs omJ)JO(mont to mako lite oppraluf nor he oom~~uutlon lor It Ia oantlngenf upon tho ejlpi~lbullad value of ho prGperrmiddotr
~ Thbull Apprmbullor hebull no paortallnter~al In or bias wfth repaot to th~ eubjogtet mtlter ol tho apptolool repo~ or tho pnr11clpanto 10 th oalo Tho eetlmlltt or Mor~at Vo11e In the lljlpraiul roport Iamp not ba~ In whola or In palt llpon the reco color or natlcn-lcHgin of thbull prcapoclfiM owMrs or ooouponl8 ol thapropJrlf eppralsod or u)on the taon ocor or notional origin of tho praunt ownoro or oocupantbull ol lito propartioe In t~ vfclnll( of rh~ IHGporty apprafbullad
3 Tho Appralttr hoe l)oroan~lly lntpeotad Utltl propwrty bolh lnaldbull ttnd a~r arltl ~ madbull an ooxurlot in1ptc1tan af ell cwnperehla bull~les ~~tod In lhfl npott To thbull but ctf tht Apprelearbull knowtodol~ sfd Hillel alt stttemenlbull and lnfarmotloh fn th~ roport 114 truo and bullbullmtal ~rtt tJe Apprel~ar h8t noc knovrngy wltllhtld ohV algnlneal1t lnfltJtrnatlon
4 All conlll~tnt end limiting ~ond1tlortt arbull GontalogtoJd hotoln limosbulld hy the termbull ol tha eoolgnmanl or by the LondtroiQnod olteotlngtlia anofJliOt Gplnloflt oond oonaluaonbull conralnad rn tha Fei)Ogtrlt
5 TNbull opproiulltpart has boon made In ~bullmforiTlty with ond Is oubreo( to tht ttqulr11lt1ampnto of tho Codamp of Pr~fassfanal Ethics end Stoinltlltls of Prolaolianal Conduort or thG bullpprnlssl GIQampnlznlant vmiddotlth whloh ~ha Al)rnlut Is afflneiad
8 All ooncluiliono end oplnlont concorrlno tlbulloo tatl aotbulltbull thst ort tet rarlflln tho apprUnl report ware prepari hv 1M Appralur whoto olgnoturo ooppoa on thltl ~tpproJI raport unlbullbullbull IMloatood a 11avltw Appralosr No ohenga of any Item 11 tho eppriiU~I t~port bullhall be mod~ by anyono othtt tluln ho Apptofnr ftnd lhamp Apprsleer ahall havo na rotponJbillly fer anv uah lttnouthodzed
ohbull~middot
CONTlNGllNT AND LIMITING CONDIIIOffil lt4rtlfialfllon of the Appraiser ~pp~lt~rtn11 In tM orppralsar roport Is subjaot to tna folfowlng oondttlons end to euoh other opecolrlo bullnciiiNJUng oondiHons u era aet forth bv Uo Ap(ltJieor in t~o rtport
1 The 1ppriHaer ~null4m M rslgtonslblijty for matte- of a legal neru affaotlng tha propampfV apptols~d or chbull titlt thbullrot~ not dcos tho Appralnr r~nltUt ~ny opinion bullbull to the tltlo whfh Is ftbull~m~d to bt good and matketnbt6 Tloa property appr41Ud es thouq h under tsspoleJbhbull ownerohfp
2 Anv tlltatoft In tlto r~tport may bullllow spproodmor~ dlmof$lona end fs lnolltlad Ia anlst th~ nad~r In oisuolfltlnQ th~ prop4ny 1M Apprsi~or hu made no svrvoy af tho proporly
a Thbull Appralosr io not qulrsd to ~lvamp tobulltiotiOl 01 appear in aouri bo~bullJIH of having m8damp thl appro1aal with ref~ ranco to Ute praportv in quetUcn unlaso arretlgemoobull ~avbull bbullon prlhi~raly mad OJ tftltmbullfor
4 Any dlbullttlbution of thltr valuation In lite rampport betwoen land nnd lmprovamtnts appfisf only urgtfar the malng prog~m af utiJI~otion The s-oparatbull valua11onbull tor lltnd ond b~lldlng tnuft not b~ Uliltld frt conjOncrioM with ShV aliter eppralslli and era invgtlld If to Uftd
5 Tha Appralut i~Jsumeo that thora ate no hlddon or un~ppsunt condlclono of thbull pt~p~ny eubactl ot strucntramp~ which waufd rendor It moro or lass vai1Jabi4 Tho Apprefs~r asournbullu 110 roponelblll1y tor tltr~h ctnditicent~bull or fM anglnaampring which rri~kt be required to discover auch fftctDn
8 Information ampS1iltnatet end o-piniont lurnlshed ra llta Apprai9et bullnd contained in tiN toport w~re obtornod hom ourebs oonsldmiddot orod reliolgtlo trd lgtnrtavad to bt truo and oorrect Howevar no rooponslbllitv fcrecrlllampey of eucl lome furnfohad tho Appraiser can bo BUUmod bv the Awrllsorr
1 Olactosuro of lite oontampnr oltho approJool ramppcrt fa gorned by 1ho9 Bvfbullwa ampnd fle~ul~1ions of rho protasnlonel ~pprohel orgbullnlshyl~tlona with which tno Ai=Pltbull~Gr is ~ffilialltd middot
4 Nafthor bullh nor bullny pert o( the CltltfG11 of tho tt~art Ot ~apy thet~of lincludino conolorolont oo to tho prop~~y vnfubull the identity of tnlt~ Approoor prohbulloiansl dlt~bulliglttlons r$loronc~ to ony jlrofQoslegtnill epplllal organiadono tho firm with which lho Approlnt ia connncttd) slutlt be u~od lot nny purpo~ lgty nnyoM but tho errant ~pooltl~d In tha repor tho bol~wor If approitol lu pnld by ~ovne tho mor1qo~aa or h$ Rtocurs erol nort)no morrgo~o lluurort conouitant profuofonsl dppraisef argnnllailtlmt any l~te or fllltlofllly optotovod finenol lne~tutian lny d~rgtbullrtmont agoncv or inttrumontaHy of doe Unt81 State9 or ~ny bullbull 01 lht Oishlot of Colutnbi~ without tfoe proviouo1 wrltttll oon~snt of tlo Approioar nobull bullhoU It bbull convbullvbulld by anyon~ to thbull Pltthll~ thiltlugh 8d~artiaibullltJ public rampIIIICiona news~ stflf or ocflor mbulldia wftfl)lft the writt111n CCnlont tl1id opprobull1d of Ula Appt~Sl~u~r
9 On 5iJ CJPDrehilll$ $Ubject to ~ldetactory cotnplrttlon rnparl or alt~ra1iDI9) thn epornlsnl -JCIrt ~~gtllf - ~r--~lt1slon Utl conHnmiddot gllnt upon coflyen1amption ol lho lflrevel)entl Ia a wnrkmanlik$ m-omr1Gr
BORROWER Dobkin
PROPERTY 6fl2() Lfdo Lnne rottr lleach ca 90803
Appraloorlbulll
YAioNbull~ FbullrrJt- MoM ~-m41~JULU-1 Fltlfm 1co~ n JJ~ 8~11
Dwyer Appraisal
Ftre No )illQ2_
~UP~~~~--------~-----------------~------------------------------------~p~~~ll~~~~e------middot----middot~------------------------------------~~---middotmiddot-----
f--Citv I~ Seilt~ CCUQ1 ~~middotlu---------~---~2i p_Codo_90ll3ltgt=-----~-__ Londer alASpound ~HioiTAii fUHltI~L tll27
AlPJlAISBi ClmTIFICAIIONS amp COMPLIANCE lllTH FIRRA REQUIREMFNlS
bull The puiJl1lle of thif f)Pgttlul b to estlllato hlr Harket Value as cleflnol In tho attamplthiod FHLK( fern 4J9of tt- bullbltrle deo~ribed real ~rty lhia appllliwt 1s f9r thamp SGt and txcl~ntv u1e of the ~e described ~~Cl l~tbull
lhta eAOreiL nay bo ~bulltd for federally ftlated rort~ lcall prrpous $bject to title XI o1 tho FIMnbullfbulll Insettuttcns Rtfon r~E~Wr) EllfGltcanetot Act of 1989 (IIAA61) The 1Mers1~ oppralter(a) aekrQtledg= ~flet thoy have rMd end Ydarstand tle Utfor arlfard$ of Proloslotw~l ~alool Prectf 1USIP 1 at they ~tocl end y bt atltndod 110lt1 tlre to tiM by thamp twrbullhal StIWdartfs gtard of the 4fgttaisal fonlatton ~rrl u trplenbted by IIOd 1nco~rsted fnto the oce (Off1oe of the CAlrtptrctltr of thamp Currency) ~Uqulatmiddot gtIU 1hla llgtrisampl QOIII)l with ilCC RegJlationt PSgtlt1 tfgte tlnl10~JI $tarderltls of Prof-teN~ P~cttca (IJSPtP)
the legal dorlptl011 9f tile prltlf)erty u ~on t~~ fi((t ~ of tMt t~R~rataal regtainod frm tha cnnty teK uunws riOOIds
middot ot-r ~rltgtd 11hlch ort eotiQred to ~ relloble- but Mt liJ(Irlltltoed Tho tot atgtd trs~t n~ lldar the aueuara par~L nlbller ~ra nsiIGIti lld~taly dtscriptlve ~ ~~ ot bull prtlbrirv~ry ti~lt report WIIoS rlaquoJUsted fron tb~ l~r bvt rltrt reeelv~ at the tiM llf loMe of this ~hsL
Th ~rlllampil$ eJtill8te af Nuaratgtle 1111rkttlng tine for ampAlje~ p~rty eelriltl~ ~hh the rlcetlng tiM shgtlm Cfl tht frolttt pogo It also rntated In the roment section en the nOOIICI ~ of tile lj)lltafaal
If tho tlbletta sa b val~ Is difforant thoR tite Estltcf valtJe t1~ val~ 11Hl bt stated in th ~te~oocfl btftlrl seetlcn of en rahal lepartlf thet are tne u~~e Qnly tigtQ aa 1 wlu~ 11 atatodA buH4fllQ Uldbullr ()()MtructOn ar In gtelaquolt of rqraquolra cr slttratfcns ll rerplre tilbull 1Ettita of llltrrktt vatbull lth tho ~~at~ 1albftct te box beilll chckocl Stlt thbull bac~ ptge of the ~pFn~iaal repon bull tha infanrat1et~
he scrpe of tMt flrahal frtoOlvod data oollettlon frcn vtltOIJa =r~t ta-fdered to be roliotblltJ 001 ~~ gvarantetd tn~ltdirg bst Li11itld to llblQ r~rd infec-t~Ltfa obta(hed flllfl hi lol COInty re=derbull Offiee Tll~ ll4tbQJfd1 t~oc Dmar local ttJttfple tlng a~vice1 buyen setteramp alli real ~t4te brQI(tra tooflrnotion Uo$ mt by ~ros~-cfleckirg fnfcr111tion ~ith tilt rorcu ntiCIlld middotthe llt~tultamp ere then repoltld fn the QWItlprfiltamp lrxirtftr~ on the bullr1lrel~l rtpOtt o~ ldd~lho pr1Mry data liOWCH bullrot provided the grid sectfoo lltfllt ap4U parnlb A phy$1cll 1npect1cn of tht fnt~tlor Itd exterior of the tlbject lrwerty 111 corjucte at ldltcl e thbull Epllraiter urilt t~o projlOrty l c~~loolated tlte orproJf-te l(fJare foe~ of l lvfrg amptea lhe ~raiamper tiiEtl ltIIcentltbull by tho fret
middot~h of tho laquot~~p~~rlblbulls ~nd tekh~ lIOtlta as to tMfr a~rrlftt ~leltol claquoldhioo for wul~tioo of their aolitiCII 11t ti~~e of salt
lhlre lilt~ rtl 11gt0141 pcraorat ~rty ttllfiS f1Mtut or tnt~rgb~t 1t~4 1101 notrolly ccnoidere bull part at tho rl MUte 1ncltdiod in i)raisod vatue of tht Pject ~rty My porKIIIl pr~rty iJ ~rteltl ltgtn l ttparete a6teldJ
the trltferbulllg~ed awratr(a) preaergtt end eertlfy thlrt~ (4) tt1e BProfoal auig1-t ~bull nat bas-M lt401 reqJtHIII nfnilltJil Vlluatflaquol eel fie valoetlro or tre owrltml Of toanBl etpiO)Wit of the appraiser wu rltrt oorditlmed OJgttO the awrabel produeii1Q a ~poet fie Jot or 10 1111lut vithfn a givon r9hgiJ CClfuru~ ~~t h rtGt d~~t qlCll en apprlhal prQdJclng a speelfie vatubull (D) amprp~t gten~atlltn ard fvtue eoplCY)lOnt Ire r-ot lasod ~ llllt~ leon lpPlicttioo h tppro~ed ltElnetlgtor the awrats rar any pelt(tl ~itlt
JOrerahlp intbullr~bullt In the ~ tqllaying the Gwrainr b rtla~~ to or hoa allj Wttrship or cthltr tlnncal lnterost 1rt eitller lxlildeobulldcvbulliper aeLler buoftr ror~e bttl~or Ct rtlt~l estate lltQk~r~~rsa (or a~y ~nM relatod to any of dlltr) irrol~ed in tNir~ti~ f) ihfoh this appntisal luu ~ raq1estod or utth th the l()t recalt nle or ratlnancfrg or irtY ll(OltIIty usid u a lttr11bte praportylogt thh epp-alsal ard (I) th lp9raiser h not ~~~o~are of tllf f~cta lhiltfl uould dtaqu~ify the frtn bcdng deelt to btt rwfeponrlltlft epprehel far ~rjlltI~H of $ltJQtion ~4S of th~ oee A9lotloo AOgulatiCgtlo
The IAdersignoltS apprainrCgt) h~relr ~ogtknltgttl~ ancl ~rtify that t~ltsy ar fbullJll) qBltliod ard Ogtltpqtetlt ly their training boltlge amp rience to f)rforll thh appr~hbulll II ~fter acltejgttallle of the ~tlgtrahol IHS lggtMt ald dullng the OJru of cordtlct f rg the ~wr~isal FPrampisr diac011ero tllilt tnoy ore rot fully ~t~ to jgtdrfor th owraiulthe ~ta~r will OOrjgtly vlth tht Coopetency ~ravtslcn SPAr
=-~--middot--~~_-=---------------__~----------===middot~
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6020 lido lane long beach ca - Google Maps Page I of I
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Dwyer Appraisa[
PLAT MAP
reg
CALvULATIONS ADDENDurvl
Thftd Floor (QLA3 Exterior Stal01 (GIA3)
u~~ X u~o UU2~ llOfl- X oo 00
-~0 X uJo -U2~0
-~-~0 X UJQ -ntu s so X p so X middot~50 X
o l~ oo 2 oo
Hmiddot 10(00
Of~~
1700 X 2JU 3 so -Joo X 1$0 uoo -)SO X poo middotlSO
00 X $50 -H 50
bulllo75 X liO -su nobull X 10~ uu
Total for Area 249487 Total fat ArEII ggoo
lntarrotStalra (GlA3 3rd laval Oeck (FIORi ~if middotmiddot
u~o X l~o nH ]050 X 6 oo I~J 00
)00 X 1) oo Hoo
Total for Araa 4725 Total for Araa 23400
3rd Lgvsf Dock (POR middot
no~ X ~-middot0
Total for Area 14450
Dwyer Appraisal Praoor~v Dorhgttion Analvbulllbull UNIFORM RESIQENTIAl APPRAISAL REPORT foife No32~
middot-------1
middot~ Nole~ R1~ W IN t1tc1-l ~omJ~Wh11 ot chll ~ct~ad ut nK erhttred tlltW~ ~~ fbulloIOflbull
~ coiAMiNHlt 9Jbiost it Laat-lti the letwt sltlrt 11nla eottlt~r~ g~allty Htatiel ~HYhou~i rtlllmt
lrJruJze ll~Cil Fr-(RltCftsJ m-~~4middot~ bullHn lartb ~~ref lest Good Oampintenanct leveh Pltgtttooo=Lbull=---t
l shltooinQ I rbullLat61 ~~~---middot------~-----~-IJ ~SEiAlT~ AOOEI(WI f(]lt iDPTlregL_06TAlL~)
i oewrAAL oucmos EgtTfRIO~ QUMJbullTrQlf oiNOlllCIN DAampIIINT IIUIgtATlON ~ mt__ Mftfrofl tcrCr-el_ lllltb m___ bullmiddot~n ~- n ~ 0
SLCIIcu lhrgL__ amptfuNbullt e So 1b II F~ IIA cu COO - ~tUyen09___
T~IllatAnl ltaened middot- 3iSL-- Bet ~ Ctll~ Jl_______ VIIUbull ~--- []1 ~~~ 0U1Jft (91yhl Glrlr~bullo~ 1int~ Hgt_l ~mplrnp ~ Wltft ~-- ~n~O~middot- ~wll(~ Wtdoi11yenTfO ~~ on rtore laS_ bull IJL__~ I( --- 0~---____ P1QDP2Gd ltlrm _ e1111m1nt ~-_4ot-ed 011lbull~t poundntr ~-~-Y lpounds1- [i~----middot UMu lotfUtctillll amp-~ $crtcr-w ~ lffuttllm ~ Noted__ ~ -~ Erc11r (Nitltulltbulli
ADL lYra) 2 MbullrfuluH Heut 12middot----~--~JY~_IA~-----------~~JU~JA~---- ~~t~ ---shyrrrt ti Jt bull iY1U 1-2 NA WA IfA
-middot---=-------------~--------middot--------~middot-----------middotmiddotmiddot~--~middot---middot----middot----
--middot--~middot------middot--middot-----middotmiddot----------cmiddot-------~-------~---middot-------1 Dbull~reclbulllit~ttQtllrbull)llrltri4Mtlll(loj_tcf1oollt11itu~ottrQpobullhrw-Ko-t~nlhMkn-t bull~~t bulls Jn Gad_OVfratl ~tt~cp~~t 1tld~eit5 O
_$fflod Sflilrs bullr~ noted -~ubleo_t lrdicatEgt1 lus1s Mif)Qr then t~-t preamptir~~~~e-1 d tbull ih lAISor ie_ ~r(r01t J=tilt-fl ampnl FlflC8hiK~~t 110tgto1n tlre nru r~ Sypkally 1llartllteror~lttcrfrmt tj ne lxgtlltlbl due J~ t~ach cotoIUilHy irtfluco lhi bull ~middot Ld ~--q ro TgteOgtUr~b Lo eftqt on middot~ieets Vftlue or llrkamptelgtjtj Y Iiithin th Cs mr-lket~---t rJt~d mbulltktt CONfil~f4 td puw1hn01 in~ lrnlbullc(in Utbe-~ctlNltt trU r~udllQ foirn51~rtt Wrut tJtrd61ront tld (QK4uiYf amp~ft OONittai-~ j)_rla itabt__ amp ~)lt()bull bull4 rot pr~(ent fn th~ ~rM Silil9cta 1lrsotlng ttq lotlfd l_s in e~lt~amp of 6 trltrtrs h -~qr~ in thin r-cl9~ ~9 1idlt_i9 ~ri~~dly DJUQJlH~~ro qf~~itsbl~ fg htrl)tr gtricltlt WMbull ThlbulltJ~Yi~iftIA~t Rf~ ~middot thmllllum SltIJthem CUfomlb middot
Dwyer Appraisal
f w Ft~ll Mill- Ptnbull Mat lhl r f0Wt ICf ~bullhtHUent tnd OMe lpcNch fOff111111 In 1hJtbullbullot -middot-~-l (l)tt tlt~ are ft01t lllltSMll amp fllift bullbull ~l es fnf01111ltfm -~~---~-----~middotmiddotmiddot --~ shyby l~gtltal llltHdersconva~taltbull lgt~tn ~DEO Mlq~E~----
I f-qoy E-bullmiddotntlbullbull ~a8111$mies bull - bullbullbulld ~----~---llloo~n L1ll_sl81~ bull 1vlfl amptLmiddotr~t~ et lftw bullbull bullbullbullbullbull bull bull _ _pound1Clt=--i
~at A~bull-M lllr INO$dlt Wife bulllt~ Fuulbull Mtol
DMa bullr~tf~nfOtft M tr()lleo~~-1bull HVDNA PI~( ICampt1dbulldt1 0 Vbull 0 Ho Nbullnbull tl Wtrttnly llrampQIL
HNoapltlrtl lllEIU~-----~--~---------1 Wnnll C016tqe EIM
~DICiTeO VAlUF BY SAIES COMPAAJSON APPROACH bullbull bullbull bullbull bull bulloiCAUlJ VJIILU IIY 1~twt APiiOAIA r1 Ap~eitlt~ t1dMilN trl-fIUI ~ $ ___)j[lJ~--- ~ K Otbullbullbull rt1nt ~IIPihr N bull bull ----~---J NIIIPfrJiut it mamp no abull 0 bullutf~t ID tr tepti-1 IIIOtbulltic-INIf(litll 01 ro~lliorwllIM lnl~rW 0 EGM~bull~ IU plttlll ant
b IQCtthai It bKampIIfl~ IM bull~t r~qitorntt~tbull~ IN-vtllloKft-laMIAJ+11 tMJ~tf~eod~41111 tMMbullriramplt ltf-t 6trrnh~ ttwt Jbullawtampt~ In
] frrtA UUO amplor VA lrat~ilo~ J lrc~rt Mbull~hmiddotM UO ltfn iJ9tlfiftntiMKFrm 008 at-1~J Old11~~~~ 16__
1EI PI ~Tpound 111pound MIXH VALVC A9 Drlmpound0 OF tff SUillCT PADIt~lY A9 or ___sW~----middot~ ~~~ bullbulligto I
IMII -M4eletBJ hrn t(bull ttw ttICI CbullWltCI tNt I (we) Mlt~lllllyhtptctef ~tt uPtcl PI7Mrtr ba1h lltlde td4bull1T
thJ r-t~r lttNt lt-Mt I ~ ltttt la Vol$4knd ntt~r rf41$rlt cbull ~~~~IJt-~11yenbull hetn
PtY-pryen161~----------middot--- Omd Ooi1N~l 6r Jtgtll~bulltwl NA-JE ~~ PrsoM~
Dwyer Appraisal SALES COMPARISON ANALYSIS
IIC9
Dwyer Appraisal SAlES COMPARISON ANALYSIS
Dwyer Appraisal
----~----------------~iltNDJmiddot -~~~Do~bw~~in~--~--------- --------------middot-----------------------shy
~~~Q~L~i~d~ok~La~nwe~---------------------------------~~----~~ 5lt11lJmlg~ Cg~nlty Lof 6ngele_amp__~_____s2Jtn11 Ca 2jp Codo 9Q80l
Ltncfo CilASE MANHATTAN FINANCIAL C02
AOOITIONAL MARW DATA OOMMENTS
omparab~es H4 5 and 6 were s~leeted f~ the Lido Isle area of Ne~rt Beach Although Lldo Isle s substantiaLly further south ot subject the island of Lldo baa stmllar eharacterlselea is not ttad and eorudderad sllllilar in overall market appeal
Jmparable U4 and Co~rabla 6 are both very s~ltar to subject in livlrtg area and the large lot lre Their location on the island and their bay)hnbor vbv is vary tmilsr to 3Ubjeots Large ~just~enta W6re not nacessa~y and thaae to cnmparablea are given considerable weight
~~able 05 has tnferior lot utility as well as living area ~ich raquired adjustment but tha Law was couaiderad s1mlar All three opound theaa co~arablu reflect similar construction quality 1d we~allmiddot marlcet lppeal
lmparables 7 8 and 9 are the beat of eu~ant liatinta avallable on the Naplaa islan~ within ose prOltilllity to subject Although they reflect construction quality and conditiOn more similar 1 aubject their inferior lot si~es snd utilit7 at vsll as living area required substantial ljuatments Current llstings are fumfslud to demonat~ate the upper 1~t opound value for the tbjee~bulla nampiahborhood Adjustments 1n the grid section reflect the approximate sates to lat middottee pereentaga probull1lded by the local Multip~e Listing Sarvice
DNyer Appraisal
___fgJ~~lri Proa rtv Addrau ~ ld9 tBM -~middot County lolll~tt ___J~ Zie Clllt ~
LKndet ClUE ~~ltATTolll fiiWICtAL (JIQ
AIgtDINDUM TO APPRAISAL
Ojt 1 loeaud witlbullitl t~e city lln1t~ of ~ Bead) Callt~fa IOrll Seech h toutod llgtrodnaUly 239 nie$ ~h o1 lA~ Jgamplu the ~llty seu o1 10 lneles CCUty The pl9atnt J~QpJlat fQl o1 lAtl Bead h lllPIgtthattly COO vi thin It 4971 tlll~ lle~ lhe ci~y Is bGrdered laquo1 the U)rth by lampblootl the $dfltf1 by u Pacific Ooeltl tl14 Vet by Olr5Qrl Std Latlta lld the East by Sql bullad end los Al~ltoa (OriJQe toTJtygt tt ia eUo bordered en ~flo lleat by tfle lcni Beldt CT10) FrtltMtf tlo llorth by the Sen Dieogt middot-y lmiddot~) allll the Salt by tiM san ~lot Rlwr F-y (I-60$) OottVtlertt 1~y middot~-s II I hlcflly lrelgtlo ftaturo tor bullbullfdlnts otto ~rte t the a~bull
thougl1 the city Is plfnar1ly 11 ruldtntal tQOUfty a stbsturtlat prtl01 a1 lWld 11114 Hsllfved tor trdJstrlal ~iat lit( Dfflcbull rtldlltiJS u~o lfajlaquoo siqlflllll COIIpltxa are acated th~t tte ity Cbulllitorni State llnlwrslty Wid IDrg Belich City t6lloge ere bulleated ln toog ampMch amp~ill to loroer Prb ale SQItttrod tnrl)jgcJt the city far tile re~oation usa of the resldoota
e fident1~l ~Xltmnides bullrbull cha~ttertlect lfith a 111Xtlltll of restdlltialvi~s tqing fll arell oldt loxl frlllle airqlamp fenily ~as ta l11rger1 rltNOt1 ~ra ~rn trset t~ txbulltng wlli~h bullr~ ~~lble ciJo to tke 11o1t11tt aitt fnfucn~
lje-ct t Lacatod In tJo SCYtbeat coMer of ltng Be~cit in ao arM alown u Naplu llpl03 h an iamplencl In tl1e eorttr of e 10g Botsch rfna and 1a IICicnuble fr011 he Ean bullnd tloe lint by Sa=d Stlttlt
bull rntigbolflood OOil4itU of avetbilebullgood ~bullelHy 01111-thrltlltl story detadled houus rliIQitgtg 1n elze frltn 1100 to SOCO ~~ ftet -r aecltou h appiQKItoly thrlt111 niles tut nt Nifborlood ml~ good lntwnt llt~ela Scxgth WwiJ ald rtlatd Vi~es orbull ~tntly QcaUd to the p~rty tie botlrdarl of t1le nefgfilomood ~~ct~ld ~ tM hlsnd faelf
~ faUna ts a hidllY dtagtle Gnd pre3tfolcus pllcente to Ulltt ltm Its grtat locatm j pttgtltity to tte ~at=r Tte lota arrood tilamp 1bullifOlter ot th4 itnf havt tJc3t dock to tile Net liUh tM obtfty to 1c~tt 50bull60 +ya-tu Dnttra of th4se ~~ have dlre~~ eocua
thofr OOta fred the r~r af tht pfQletty will ch can thelt be Moiuted thJQUdh tho ~ l cut to the Pat Ifie Olelaquol the hmu lrltMd bull l)fgtrf~teter olIIO hlve ~llent vie~~S of t1e bly 1d eft) llihta For ruldmh COl 1nte~lot Lab 1t It ltny a lllort walk to llfll of tlw V4te bcl-et tr the tidents and tMbullM prtl to w~ llcmu cr1 fnterlor tot t)l)1colly r-arg= In 1181114 11011 $150reg to ~tn)r
e~ the por11Mter ~th llllter frcntiiJI tgtP1ealty r~r99 fiQ1 SVXOOCO )Igt StOOCOOI- Thbull t~ In the IJJH b tC71Mrd~ the rexJHdlrg Otititien to rrdor ccnptota HnOcletlng of all otdeJ heriot tile hond ampooQ tM gtltltfMUI odjKeot to thamp bllltld Th1a trend
~~ltthelt-- tile rtobilfty of Mrka~ lamplue$ in the aNa
Dwyer Appraisal
Filo No
_B2~ttSilpn1 COOle In
Pbullbulluru l~st 8l20 Lido L)) Cllpound~~cfl C~llL2~bullLa Uabull c 2Q~ltIdbull ~
~middot----lendbullr CHAS ttAHKTrAN FIIIANCIAL tW
ADDENDUM TO APPRAISAL
XTERIOR FEATURES rtOIIltlc (ltIn tbtrs) $prinkler ampy$Ctn tn jrllrlt amprr yafltlp
wltold amp gottd llfltry to tht front dltlor provd~ privacy at 1141 u a frcnt patio for lddhiltt111l fbullnctio-at utility oblld p lltltert in t~ frltnt amp r r yard 1sta1 dr111CIIIIY Ia nade of aalld flags~
~~ front porch is~ of solid fl~tONO
111r yard enoleooed ootith a~middot hi~ btoek ~lt Thh proYidlte9 aitiONJ~ ueurty li~t obstru~tlng tile bay vie~~
CJJbulltltlll luilt bullPI in tte frat QQ(Itt)llrd bull 11 patio bullnbull elso hu 1 bulltmiddotfn 18Vfi~ft
lttio a~s t~s tM r of 1lltJ- b llco(e of solid fl]ttltllo
rt of the riNr patio 1~ It CfMbullrltJd by ttl~ seoni lelto~ol dedc
~TERIOR FEATURES JIIIStDIIII ftcarlng In MtJY hltJllnlf I t~~ m thegt 1bullt Uvl 1 sCCIId lbullvbulll Is all 2~~qJare 1111rblt YilOltXf qJJotty eubulltat e~gtrprtitiQ th~ the root of th om Item h~~~ qUII ity Stow-oo ayttn tlulCIltt the ~
J Cfllllity hcurlt) syatern th~t Joillltfl ta dNgt~t disl to a sacu~lty JK~nltorl~ Jbullrv1 ce nt~t len shutters thr~ tcglt~thar wf th 6tioer CtJbulltOltI ulndr1t eowri~bullmiddot
etaold llV~IJl9 dl~t -t prflllr) rcons ord t~Llolllys
to 12 ooilirQS tb~ ltlOSt Of tho hi3e bullll~tbull ere ptaced bulltrateic~lty thrctllflalt taD IClWII mot41t~t tlvalgtool tht houso rn tfoe addltOfll bedJQOM JtiiIOfef Uo((frdle dltxgtrt rt is 1lao a Mp~Jrato wine ltollar gt1ich h tlle~tatiClltly t~rswro I ~lfrate taltrollcd h a lourdry chute fiOIf tl~ llpl)r tel(a) to the lalndry ~ ~~~ at t_ lCooer lemiddot~L
TCHEN ot~rtopamp In fctttMn are tolid ~rooite
itOOltI flco~iJ In kitclen i nd area
Jlll~ cOltok~ aU othe~ top ctlIQIty lilltes amp fl~t~res und In tnt ktt~ as OMlL as the bullbullbullt of tho hoobullbull amp il a ampefgt6rete fet at thbull kitchen sl~k for inseartt hot lllltiH
- is a mr~ 114kmiddottn jlllftry lttich h bull very ~lrabla fbullbullturt usUIlly fafd In larlts rn tMt t~
bulle h IJ lalge built-In ref~ig9flltalt-tob-zero 1reeter lith the front ps~elamp Mtchlrg Uo cablrgtlttJY I~ the kltclltn
lULV ROOM fQnfly rogtOfllllls its on firqJlace
STER BEDROOM amp BATH llll$ter gtlaquo110011 fs Vol) ~paclobull tltch fa a typieal fcatTJre for thi~ ~ amp ptloe ~of ro ~ h a sittlrq area or retret~ at ltgt1~ End of th~ lliISter beiroott taster bedRltln has ita firepllaquocentB lotlfch h triliiTed 1(111 norlle l~ tlt~ ftooriJ9 thJt1-IGhJt JMst~r bath rzi tlb in IllS ter bath 1 ampt-alor wt th clxibte shltloer hctado
h a t6r~ llalk-in cloet in bull~tr trooo 11tt~ buHtmiddotin orgbullniz amp ol-olve$ Le amrcqJI In rraquottor bllthCan
lNG ROOMDINING ROOM -o 12 ceHI~ in Uvl19 ~ tving roar h11 it 1$ Qllll ffrplate llttici a tr-fmoeltf uith rarblo ont co t~o dinllg roro thQr h a bar rem JJth e w$lkmiddotbehtrrl llH bgtr th~ 1aro1ly ftJoCt1 with a luilt-fn ref~t~rator amp fc Jor n stulptulOd c1rpetlrq in the livfhJ roato ard lldJont trca3
IA(E bull~biO n qood qtelity ~Llmiddotup rr- doors wHh liample dcor qJltn~rs bullilirqbull amp ~alls in the qgtragbull are finiohelti ot ~bullt~r ~tor hltla a rbullmiddotelrwlbulltlf ~ lottich plOIbulli~centamp notMt hgtt lf~ter to praoticany ort(tero t~ the hOJs~ 11t to tbe 90rigc la 8 ~tre cellar middot-et ba- liN 112 bllth
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Dwyer Appraisal
-iUPt-~~JL__ lroarty 6lt1bull~11 (lRtJ lob le
~~altl Cauntv~~ sra~ C4 II a~e lalll Lande1 OIA$E rtNII4TfAN FIIWICW eolt1
ADOitNDUM TO APPRAISAL
lnal Reconciliation
bullr Nl$ llo 1blo Reccrd5 $~bjeot has nat ~euro11 ~fated or told tn the pKt 12 rrcntlts ampnd h nat pr~$llntly listed
te nat cttampttt bull~u activity tn touthHrt california II e11p1rfenoif9 Lilli ted aetlvh~ dUo to a tlt~gglah OltOOft lotile ptql~rty vallo$ pear to llttve lttoclfne tn eore 11rtas other etelt~t are ~~le $ tlaquoM areas hll aGtuelly lncnut fn vat~ A pertloular llef~barlold fVIf Prfmce lhat ~r$ to be Iii t~~ary cleltline fn ~talue ldoltrt nveral ~r-s 1eve an wgent nHd ta aell lara aU ~t1rq for thl middot111hed nlnigtor of bitter~ llll~gtfbble Thfa h -ftered to be bull telpOnoryo aftuatfcn lohfch will oorreet Itself 4hen tM tOIIIXIral) Ooert~ly ~ b ebtorbod amp detend fncr111nJn bull111~ Ioiii~ hllgtl~ txperferncd laljle orplO)lMt ~ffa or oloVte of lalfe renufacturi~ plllt1t e rtcwery petofod formiddotp~ty v1tlut $ thl stobHlzatlcn of ~lfmng Yll~ claquo~lltl be atttantloUyiClIQltr amp lOft sown thon tEIIIlOrsry
this CQldltfltll is ratld or ena arprmf~r h ~$rt of It I~ l$ ~tod en bo amplfSl8rat~ adclrldln Nrefn middot
thh 11sprabal anfgrncntcal4ful ~~IGltI ot all curlltrt Mrket dllta wu conafltlerod ~llfch inclLdcd analy~1a ot cu~rmt ll$tlngs penii~ les aa wll ~ tJqtrld and -l~ lhtt~ P~lng aales 1rot~ltlthn 1 gfvm ratkat ar~ can rerg in vamplue wbst~ietly ~lng lfv~rQ area rccn cortt anenlties ncltrlng view or lllcc ot Vflll and 1q~~ta ~ ~tfa1 lf there litre pending MlM ~tlfdl N aio~~llal to subject In ovtral~ rarket Ollll4St1 cne Of~ of thtsa ~fng sslobull Mite beelt fncl~ fn thh tltport rt there 1111r1 no liHir per-ding ales ptnd111J alet lhich ~ltere not silttlar Ore not Usqd lhe u o1 ranbulltlnf lor Mles ~oWld Tlt~qJire thm vn of excQsfva 1 etbjetiw adjus~s leodfog illes 11119 adequE~tely teflect curr41lt ltlrklot derltJltf ~Mingo les of ptepcrtles stnflar to stbject at fees l~r thlo rtelt closed sal are gfwn tho roampt lieigntPendfng 14~ laquo f~gtlltr ~rtles hil1ltr prt-1lt1 than r~t eland sales 1 g1v151 o~~fniMl wf~t sin- tie~bull fa bull poulbllftl tlllt thay ftlt nat clo~e aaerou for a VarfOU IIUber of reafiOM
led ales withfll thl jlolst 30~ drtt aramp IIOlt raLteble alllcento tMy hlrw ctOltHQ amp Urrt are -t recent II tllo ebtenca qf reltenC eloeed gtendfngo satu 111 ~mtyenab f CM~ llstlnga ws also ~~ted ~in thitrt 1M be a llidbull ta~ t valuoa -llllble tor Uatl~a far 1 lfll~ tf abooa llstrga prlcad out ltgtt llfoat ~rata be reailcrollbltt range of wlut Wllftt not ccnalderol ~ und In tht rtthey hlaquovtt btco adJusted to t-4 prebogtlt ~~Gmntlllit a1 Mlt ta liat pric es reparteltt by tile Local 1Jltiplamp ~ittliG Service Further iuatmnts aN then ~eased en teatur~a coodftlcn etcent Hfnltral ~tight h given to t fatfnga ampitgtU they tore clrly d~trate til ~ lfroft of value for PtQPa~ths tfllilar to Sllbjet~t ftOir stbjeets narlcat Gru ~ are hMfr tile ro~t CYrrllt deta a~~ampftabl~ If cne t110 lfetlrgs 1evt nat ~ inotude In thl$ rtp~rt fn lieu of peldiJ sale t I$ becaue~ tfl~u ~bull nane ampYallabl~ coosldotrod to ba 1flar to stbullbject 1Qn-slllllor properttampS IIQIIld agin rltUir~ tM u- ot egtltltauw ZII1CIor Oj~t altljuatts tl1cn ckfeet th~ p~rpase Or bull eo~rabte t~lamp middot
middotmiddot====== =======~=--~----middot---bullmiddotmiddot-----middotmiddotmiddotmiddotmiddot~middotN---middotmiddotmiddot
FotbullN 32590~ DEFINITION OF MARKET VALUPIhe mott probaWo pric~ which amiddotpraporty ohOltifd brlnqin e bullampolfdve bull~d opbullnmorlltel undor ~~ conditions requltitbull to 11 loir oolo tho buyer ancl eampllor eech bullbull1ino prudently knltHYiodgubly and usurntng tht prloo Ebull not eHOlttAd bv undUltI inwus lmJ)iiclt In thlr dofini1lon the ltltgtMUmtn~tion ol bull af IPIltlifled deto Dnd thl poaslng or tidt ltom bullaJiar co buyer under oon4itlont wh~ttobY (1) buyor and wolltr ero Lyploanv motlvalltld 421 both panJsl art wnll infom~ed or 1dYid bullnd uch acting In who ha eonsidorbull M1t awn bs~t lntereot Ill bull roaaorlbullblo timamp is nllowod lor poevroln tho Ol)llt mabullbtl (41 lIY ibull medo in torms of ~bullbullh lrl u $ dollarbull 01 In tturno or flnonolel ~1111810nts oornp~rlbfo thereto artd (5) thogt ptlco lipiUIIItl rho normal caideratiltJn lor tha prop$ry aotd unefftc~od lly spociBI ot eroatlve nnancfng or ur ooWluslona bull granCed lly envone asbull soclarlld with the bullnit
bull Ad)ubulllmampolto to the acmp~roamplot mu~t be mede f~l 8ptclelat cres1iV9 finannlng or tlt~loa ooAonsiltgt~ No sdjuWYents bullrbull nao~orv
for tlto oo9t9 which ato 11ormally peid bv ttllilre 11 bull roeult ar trtdltlon or lew ln bull mrkot arbullbulll Ultse coots arerudlly ld911UII11No tlflus tht 1sller peya tMtt oootl In Yirtually ell eltlet tr~ntaotiant SPJclel ot orutlv liMnolng adU~tmontt can bt rnocle to the oommiddot plrable proportv ily aomptlisont to financing termbull offered by a third psrty instituric~lllandor thai io not afmtdv lnvclvad In tht propshyortv or trantecrlon Any Olltfjua~tnent aPtould not bm talaulartd on 1 meltgthbullnloel dollor for dollsr cabullt of tho ilnsnclng or oltmcot~lon but th~ dollar amtount of anv ad)ubulltmont ehtould apprlgtlCimato tht Markatbull rltbullaotlon to thl tlnonclnltr or ccncetlone baood on th~ onJ~Ufjorbull judgmeot
CltRTlFICATION AND STATEMENT OF LIMITING CONDITrONS CERTIFICATlON Thl Apprlliter ~artlllampbull ana reea thogtt
1 The Appr~llttr lult M prou11t or contemplollbulld futlire intorebulll in tJoe prcpbulllllbullpprlitampltl ~ncMithar lhs omJ)JO(mont to mako lite oppraluf nor he oom~~uutlon lor It Ia oantlngenf upon tho ejlpi~lbullad value of ho prGperrmiddotr
~ Thbull Apprmbullor hebull no paortallnter~al In or bias wfth repaot to th~ eubjogtet mtlter ol tho apptolool repo~ or tho pnr11clpanto 10 th oalo Tho eetlmlltt or Mor~at Vo11e In the lljlpraiul roport Iamp not ba~ In whola or In palt llpon the reco color or natlcn-lcHgin of thbull prcapoclfiM owMrs or ooouponl8 ol thapropJrlf eppralsod or u)on the taon ocor or notional origin of tho praunt ownoro or oocupantbull ol lito propartioe In t~ vfclnll( of rh~ IHGporty apprafbullad
3 Tho Appralttr hoe l)oroan~lly lntpeotad Utltl propwrty bolh lnaldbull ttnd a~r arltl ~ madbull an ooxurlot in1ptc1tan af ell cwnperehla bull~les ~~tod In lhfl npott To thbull but ctf tht Apprelearbull knowtodol~ sfd Hillel alt stttemenlbull and lnfarmotloh fn th~ roport 114 truo and bullbullmtal ~rtt tJe Apprel~ar h8t noc knovrngy wltllhtld ohV algnlneal1t lnfltJtrnatlon
4 All conlll~tnt end limiting ~ond1tlortt arbull GontalogtoJd hotoln limosbulld hy the termbull ol tha eoolgnmanl or by the LondtroiQnod olteotlngtlia anofJliOt Gplnloflt oond oonaluaonbull conralnad rn tha Fei)Ogtrlt
5 TNbull opproiulltpart has boon made In ~bullmforiTlty with ond Is oubreo( to tht ttqulr11lt1ampnto of tho Codamp of Pr~fassfanal Ethics end Stoinltlltls of Prolaolianal Conduort or thG bullpprnlssl GIQampnlznlant vmiddotlth whloh ~ha Al)rnlut Is afflneiad
8 All ooncluiliono end oplnlont concorrlno tlbulloo tatl aotbulltbull thst ort tet rarlflln tho apprUnl report ware prepari hv 1M Appralur whoto olgnoturo ooppoa on thltl ~tpproJI raport unlbullbullbull IMloatood a 11avltw Appralosr No ohenga of any Item 11 tho eppriiU~I t~port bullhall be mod~ by anyono othtt tluln ho Apptofnr ftnd lhamp Apprsleer ahall havo na rotponJbillly fer anv uah lttnouthodzed
ohbull~middot
CONTlNGllNT AND LIMITING CONDIIIOffil lt4rtlfialfllon of the Appraiser ~pp~lt~rtn11 In tM orppralsar roport Is subjaot to tna folfowlng oondttlons end to euoh other opecolrlo bullnciiiNJUng oondiHons u era aet forth bv Uo Ap(ltJieor in t~o rtport
1 The 1ppriHaer ~null4m M rslgtonslblijty for matte- of a legal neru affaotlng tha propampfV apptols~d or chbull titlt thbullrot~ not dcos tho Appralnr r~nltUt ~ny opinion bullbull to the tltlo whfh Is ftbull~m~d to bt good and matketnbt6 Tloa property appr41Ud es thouq h under tsspoleJbhbull ownerohfp
2 Anv tlltatoft In tlto r~tport may bullllow spproodmor~ dlmof$lona end fs lnolltlad Ia anlst th~ nad~r In oisuolfltlnQ th~ prop4ny 1M Apprsi~or hu made no svrvoy af tho proporly
a Thbull Appralosr io not qulrsd to ~lvamp tobulltiotiOl 01 appear in aouri bo~bullJIH of having m8damp thl appro1aal with ref~ ranco to Ute praportv in quetUcn unlaso arretlgemoobull ~avbull bbullon prlhi~raly mad OJ tftltmbullfor
4 Any dlbullttlbution of thltr valuation In lite rampport betwoen land nnd lmprovamtnts appfisf only urgtfar the malng prog~m af utiJI~otion The s-oparatbull valua11onbull tor lltnd ond b~lldlng tnuft not b~ Uliltld frt conjOncrioM with ShV aliter eppralslli and era invgtlld If to Uftd
5 Tha Appralut i~Jsumeo that thora ate no hlddon or un~ppsunt condlclono of thbull pt~p~ny eubactl ot strucntramp~ which waufd rendor It moro or lass vai1Jabi4 Tho Apprefs~r asournbullu 110 roponelblll1y tor tltr~h ctnditicent~bull or fM anglnaampring which rri~kt be required to discover auch fftctDn
8 Information ampS1iltnatet end o-piniont lurnlshed ra llta Apprai9et bullnd contained in tiN toport w~re obtornod hom ourebs oonsldmiddot orod reliolgtlo trd lgtnrtavad to bt truo and oorrect Howevar no rooponslbllitv fcrecrlllampey of eucl lome furnfohad tho Appraiser can bo BUUmod bv the Awrllsorr
1 Olactosuro of lite oontampnr oltho approJool ramppcrt fa gorned by 1ho9 Bvfbullwa ampnd fle~ul~1ions of rho protasnlonel ~pprohel orgbullnlshyl~tlona with which tno Ai=Pltbull~Gr is ~ffilialltd middot
4 Nafthor bullh nor bullny pert o( the CltltfG11 of tho tt~art Ot ~apy thet~of lincludino conolorolont oo to tho prop~~y vnfubull the identity of tnlt~ Approoor prohbulloiansl dlt~bulliglttlons r$loronc~ to ony jlrofQoslegtnill epplllal organiadono tho firm with which lho Approlnt ia connncttd) slutlt be u~od lot nny purpo~ lgty nnyoM but tho errant ~pooltl~d In tha repor tho bol~wor If approitol lu pnld by ~ovne tho mor1qo~aa or h$ Rtocurs erol nort)no morrgo~o lluurort conouitant profuofonsl dppraisef argnnllailtlmt any l~te or fllltlofllly optotovod finenol lne~tutian lny d~rgtbullrtmont agoncv or inttrumontaHy of doe Unt81 State9 or ~ny bullbull 01 lht Oishlot of Colutnbi~ without tfoe proviouo1 wrltttll oon~snt of tlo Approioar nobull bullhoU It bbull convbullvbulld by anyon~ to thbull Pltthll~ thiltlugh 8d~artiaibullltJ public rampIIIICiona news~ stflf or ocflor mbulldia wftfl)lft the writt111n CCnlont tl1id opprobull1d of Ula Appt~Sl~u~r
9 On 5iJ CJPDrehilll$ $Ubject to ~ldetactory cotnplrttlon rnparl or alt~ra1iDI9) thn epornlsnl -JCIrt ~~gtllf - ~r--~lt1slon Utl conHnmiddot gllnt upon coflyen1amption ol lho lflrevel)entl Ia a wnrkmanlik$ m-omr1Gr
BORROWER Dobkin
PROPERTY 6fl2() Lfdo Lnne rottr lleach ca 90803
Appraloorlbulll
YAioNbull~ FbullrrJt- MoM ~-m41~JULU-1 Fltlfm 1co~ n JJ~ 8~11
Dwyer Appraisal
Ftre No )illQ2_
~UP~~~~--------~-----------------~------------------------------------~p~~~ll~~~~e------middot----middot~------------------------------------~~---middotmiddot-----
f--Citv I~ Seilt~ CCUQ1 ~~middotlu---------~---~2i p_Codo_90ll3ltgt=-----~-__ Londer alASpound ~HioiTAii fUHltI~L tll27
AlPJlAISBi ClmTIFICAIIONS amp COMPLIANCE lllTH FIRRA REQUIREMFNlS
bull The puiJl1lle of thif f)Pgttlul b to estlllato hlr Harket Value as cleflnol In tho attamplthiod FHLK( fern 4J9of tt- bullbltrle deo~ribed real ~rty lhia appllliwt 1s f9r thamp SGt and txcl~ntv u1e of the ~e described ~~Cl l~tbull
lhta eAOreiL nay bo ~bulltd for federally ftlated rort~ lcall prrpous $bject to title XI o1 tho FIMnbullfbulll Insettuttcns Rtfon r~E~Wr) EllfGltcanetot Act of 1989 (IIAA61) The 1Mers1~ oppralter(a) aekrQtledg= ~flet thoy have rMd end Ydarstand tle Utfor arlfard$ of Proloslotw~l ~alool Prectf 1USIP 1 at they ~tocl end y bt atltndod 110lt1 tlre to tiM by thamp twrbullhal StIWdartfs gtard of the 4fgttaisal fonlatton ~rrl u trplenbted by IIOd 1nco~rsted fnto the oce (Off1oe of the CAlrtptrctltr of thamp Currency) ~Uqulatmiddot gtIU 1hla llgtrisampl QOIII)l with ilCC RegJlationt PSgtlt1 tfgte tlnl10~JI $tarderltls of Prof-teN~ P~cttca (IJSPtP)
the legal dorlptl011 9f tile prltlf)erty u ~on t~~ fi((t ~ of tMt t~R~rataal regtainod frm tha cnnty teK uunws riOOIds
middot ot-r ~rltgtd 11hlch ort eotiQred to ~ relloble- but Mt liJ(Irlltltoed Tho tot atgtd trs~t n~ lldar the aueuara par~L nlbller ~ra nsiIGIti lld~taly dtscriptlve ~ ~~ ot bull prtlbrirv~ry ti~lt report WIIoS rlaquoJUsted fron tb~ l~r bvt rltrt reeelv~ at the tiM llf loMe of this ~hsL
Th ~rlllampil$ eJtill8te af Nuaratgtle 1111rkttlng tine for ampAlje~ p~rty eelriltl~ ~hh the rlcetlng tiM shgtlm Cfl tht frolttt pogo It also rntated In the roment section en the nOOIICI ~ of tile lj)lltafaal
If tho tlbletta sa b val~ Is difforant thoR tite Estltcf valtJe t1~ val~ 11Hl bt stated in th ~te~oocfl btftlrl seetlcn of en rahal lepartlf thet are tne u~~e Qnly tigtQ aa 1 wlu~ 11 atatodA buH4fllQ Uldbullr ()()MtructOn ar In gtelaquolt of rqraquolra cr slttratfcns ll rerplre tilbull 1Ettita of llltrrktt vatbull lth tho ~~at~ 1albftct te box beilll chckocl Stlt thbull bac~ ptge of the ~pFn~iaal repon bull tha infanrat1et~
he scrpe of tMt flrahal frtoOlvod data oollettlon frcn vtltOIJa =r~t ta-fdered to be roliotblltJ 001 ~~ gvarantetd tn~ltdirg bst Li11itld to llblQ r~rd infec-t~Ltfa obta(hed flllfl hi lol COInty re=derbull Offiee Tll~ ll4tbQJfd1 t~oc Dmar local ttJttfple tlng a~vice1 buyen setteramp alli real ~t4te brQI(tra tooflrnotion Uo$ mt by ~ros~-cfleckirg fnfcr111tion ~ith tilt rorcu ntiCIlld middotthe llt~tultamp ere then repoltld fn the QWItlprfiltamp lrxirtftr~ on the bullr1lrel~l rtpOtt o~ ldd~lho pr1Mry data liOWCH bullrot provided the grid sectfoo lltfllt ap4U parnlb A phy$1cll 1npect1cn of tht fnt~tlor Itd exterior of the tlbject lrwerty 111 corjucte at ldltcl e thbull Epllraiter urilt t~o projlOrty l c~~loolated tlte orproJf-te l(fJare foe~ of l lvfrg amptea lhe ~raiamper tiiEtl ltIIcentltbull by tho fret
middot~h of tho laquot~~p~~rlblbulls ~nd tekh~ lIOtlta as to tMfr a~rrlftt ~leltol claquoldhioo for wul~tioo of their aolitiCII 11t ti~~e of salt
lhlre lilt~ rtl 11gt0141 pcraorat ~rty ttllfiS f1Mtut or tnt~rgb~t 1t~4 1101 notrolly ccnoidere bull part at tho rl MUte 1ncltdiod in i)raisod vatue of tht Pject ~rty My porKIIIl pr~rty iJ ~rteltl ltgtn l ttparete a6teldJ
the trltferbulllg~ed awratr(a) preaergtt end eertlfy thlrt~ (4) tt1e BProfoal auig1-t ~bull nat bas-M lt401 reqJtHIII nfnilltJil Vlluatflaquol eel fie valoetlro or tre owrltml Of toanBl etpiO)Wit of the appraiser wu rltrt oorditlmed OJgttO the awrabel produeii1Q a ~poet fie Jot or 10 1111lut vithfn a givon r9hgiJ CClfuru~ ~~t h rtGt d~~t qlCll en apprlhal prQdJclng a speelfie vatubull (D) amprp~t gten~atlltn ard fvtue eoplCY)lOnt Ire r-ot lasod ~ llllt~ leon lpPlicttioo h tppro~ed ltElnetlgtor the awrats rar any pelt(tl ~itlt
JOrerahlp intbullr~bullt In the ~ tqllaying the Gwrainr b rtla~~ to or hoa allj Wttrship or cthltr tlnncal lnterost 1rt eitller lxlildeobulldcvbulliper aeLler buoftr ror~e bttl~or Ct rtlt~l estate lltQk~r~~rsa (or a~y ~nM relatod to any of dlltr) irrol~ed in tNir~ti~ f) ihfoh this appntisal luu ~ raq1estod or utth th the l()t recalt nle or ratlnancfrg or irtY ll(OltIIty usid u a lttr11bte praportylogt thh epp-alsal ard (I) th lp9raiser h not ~~~o~are of tllf f~cta lhiltfl uould dtaqu~ify the frtn bcdng deelt to btt rwfeponrlltlft epprehel far ~rjlltI~H of $ltJQtion ~4S of th~ oee A9lotloo AOgulatiCgtlo
The IAdersignoltS apprainrCgt) h~relr ~ogtknltgttl~ ancl ~rtify that t~ltsy ar fbullJll) qBltliod ard Ogtltpqtetlt ly their training boltlge amp rience to f)rforll thh appr~hbulll II ~fter acltejgttallle of the ~tlgtrahol IHS lggtMt ald dullng the OJru of cordtlct f rg the ~wr~isal FPrampisr diac011ero tllilt tnoy ore rot fully ~t~ to jgtdrfor th owraiulthe ~ta~r will OOrjgtly vlth tht Coopetency ~ravtslcn SPAr
=-~--middot--~~_-=---------------__~----------===middot~
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6020 lido lane long beach ca - Google Maps Page I of I
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CALvULATIONS ADDENDurvl
Thftd Floor (QLA3 Exterior Stal01 (GIA3)
u~~ X u~o UU2~ llOfl- X oo 00
-~0 X uJo -U2~0
-~-~0 X UJQ -ntu s so X p so X middot~50 X
o l~ oo 2 oo
Hmiddot 10(00
Of~~
1700 X 2JU 3 so -Joo X 1$0 uoo -)SO X poo middotlSO
00 X $50 -H 50
bulllo75 X liO -su nobull X 10~ uu
Total for Area 249487 Total fat ArEII ggoo
lntarrotStalra (GlA3 3rd laval Oeck (FIORi ~if middotmiddot
u~o X l~o nH ]050 X 6 oo I~J 00
)00 X 1) oo Hoo
Total for Araa 4725 Total for Araa 23400
3rd Lgvsf Dock (POR middot
no~ X ~-middot0
Total for Area 14450
Dwyer Appraisal Praoor~v Dorhgttion Analvbulllbull UNIFORM RESIQENTIAl APPRAISAL REPORT foife No32~
middot-------1
middot~ Nole~ R1~ W IN t1tc1-l ~omJ~Wh11 ot chll ~ct~ad ut nK erhttred tlltW~ ~~ fbulloIOflbull
~ coiAMiNHlt 9Jbiost it Laat-lti the letwt sltlrt 11nla eottlt~r~ g~allty Htatiel ~HYhou~i rtlllmt
lrJruJze ll~Cil Fr-(RltCftsJ m-~~4middot~ bullHn lartb ~~ref lest Good Oampintenanct leveh Pltgtttooo=Lbull=---t
l shltooinQ I rbullLat61 ~~~---middot------~-----~-IJ ~SEiAlT~ AOOEI(WI f(]lt iDPTlregL_06TAlL~)
i oewrAAL oucmos EgtTfRIO~ QUMJbullTrQlf oiNOlllCIN DAampIIINT IIUIgtATlON ~ mt__ Mftfrofl tcrCr-el_ lllltb m___ bullmiddot~n ~- n ~ 0
SLCIIcu lhrgL__ amptfuNbullt e So 1b II F~ IIA cu COO - ~tUyen09___
T~IllatAnl ltaened middot- 3iSL-- Bet ~ Ctll~ Jl_______ VIIUbull ~--- []1 ~~~ 0U1Jft (91yhl Glrlr~bullo~ 1int~ Hgt_l ~mplrnp ~ Wltft ~-- ~n~O~middot- ~wll(~ Wtdoi11yenTfO ~~ on rtore laS_ bull IJL__~ I( --- 0~---____ P1QDP2Gd ltlrm _ e1111m1nt ~-_4ot-ed 011lbull~t poundntr ~-~-Y lpounds1- [i~----middot UMu lotfUtctillll amp-~ $crtcr-w ~ lffuttllm ~ Noted__ ~ -~ Erc11r (Nitltulltbulli
ADL lYra) 2 MbullrfuluH Heut 12middot----~--~JY~_IA~-----------~~JU~JA~---- ~~t~ ---shyrrrt ti Jt bull iY1U 1-2 NA WA IfA
-middot---=-------------~--------middot--------~middot-----------middotmiddotmiddot~--~middot---middot----middot----
--middot--~middot------middot--middot-----middotmiddot----------cmiddot-------~-------~---middot-------1 Dbull~reclbulllit~ttQtllrbull)llrltri4Mtlll(loj_tcf1oollt11itu~ottrQpobullhrw-Ko-t~nlhMkn-t bull~~t bulls Jn Gad_OVfratl ~tt~cp~~t 1tld~eit5 O
_$fflod Sflilrs bullr~ noted -~ubleo_t lrdicatEgt1 lus1s Mif)Qr then t~-t preamptir~~~~e-1 d tbull ih lAISor ie_ ~r(r01t J=tilt-fl ampnl FlflC8hiK~~t 110tgto1n tlre nru r~ Sypkally 1llartllteror~lttcrfrmt tj ne lxgtlltlbl due J~ t~ach cotoIUilHy irtfluco lhi bull ~middot Ld ~--q ro TgteOgtUr~b Lo eftqt on middot~ieets Vftlue or llrkamptelgtjtj Y Iiithin th Cs mr-lket~---t rJt~d mbulltktt CONfil~f4 td puw1hn01 in~ lrnlbullc(in Utbe-~ctlNltt trU r~udllQ foirn51~rtt Wrut tJtrd61ront tld (QK4uiYf amp~ft OONittai-~ j)_rla itabt__ amp ~)lt()bull bull4 rot pr~(ent fn th~ ~rM Silil9cta 1lrsotlng ttq lotlfd l_s in e~lt~amp of 6 trltrtrs h -~qr~ in thin r-cl9~ ~9 1idlt_i9 ~ri~~dly DJUQJlH~~ro qf~~itsbl~ fg htrl)tr gtricltlt WMbull ThlbulltJ~Yi~iftIA~t Rf~ ~middot thmllllum SltIJthem CUfomlb middot
Dwyer Appraisal
f w Ft~ll Mill- Ptnbull Mat lhl r f0Wt ICf ~bullhtHUent tnd OMe lpcNch fOff111111 In 1hJtbullbullot -middot-~-l (l)tt tlt~ are ft01t lllltSMll amp fllift bullbull ~l es fnf01111ltfm -~~---~-----~middotmiddotmiddot --~ shyby l~gtltal llltHdersconva~taltbull lgt~tn ~DEO Mlq~E~----
I f-qoy E-bullmiddotntlbullbull ~a8111$mies bull - bullbullbulld ~----~---llloo~n L1ll_sl81~ bull 1vlfl amptLmiddotr~t~ et lftw bullbull bullbullbullbullbull bull bull _ _pound1Clt=--i
~at A~bull-M lllr INO$dlt Wife bulllt~ Fuulbull Mtol
DMa bullr~tf~nfOtft M tr()lleo~~-1bull HVDNA PI~( ICampt1dbulldt1 0 Vbull 0 Ho Nbullnbull tl Wtrttnly llrampQIL
HNoapltlrtl lllEIU~-----~--~---------1 Wnnll C016tqe EIM
~DICiTeO VAlUF BY SAIES COMPAAJSON APPROACH bullbull bullbull bullbull bull bulloiCAUlJ VJIILU IIY 1~twt APiiOAIA r1 Ap~eitlt~ t1dMilN trl-fIUI ~ $ ___)j[lJ~--- ~ K Otbullbullbull rt1nt ~IIPihr N bull bull ----~---J NIIIPfrJiut it mamp no abull 0 bullutf~t ID tr tepti-1 IIIOtbulltic-INIf(litll 01 ro~lliorwllIM lnl~rW 0 EGM~bull~ IU plttlll ant
b IQCtthai It bKampIIfl~ IM bull~t r~qitorntt~tbull~ IN-vtllloKft-laMIAJ+11 tMJ~tf~eod~41111 tMMbullriramplt ltf-t 6trrnh~ ttwt Jbullawtampt~ In
] frrtA UUO amplor VA lrat~ilo~ J lrc~rt Mbull~hmiddotM UO ltfn iJ9tlfiftntiMKFrm 008 at-1~J Old11~~~~ 16__
1EI PI ~Tpound 111pound MIXH VALVC A9 Drlmpound0 OF tff SUillCT PADIt~lY A9 or ___sW~----middot~ ~~~ bullbulligto I
IMII -M4eletBJ hrn t(bull ttw ttICI CbullWltCI tNt I (we) Mlt~lllllyhtptctef ~tt uPtcl PI7Mrtr ba1h lltlde td4bull1T
thJ r-t~r lttNt lt-Mt I ~ ltttt la Vol$4knd ntt~r rf41$rlt cbull ~~~~IJt-~11yenbull hetn
PtY-pryen161~----------middot--- Omd Ooi1N~l 6r Jtgtll~bulltwl NA-JE ~~ PrsoM~
Dwyer Appraisal SALES COMPARISON ANALYSIS
IIC9
Dwyer Appraisal SAlES COMPARISON ANALYSIS
Dwyer Appraisal
----~----------------~iltNDJmiddot -~~~Do~bw~~in~--~--------- --------------middot-----------------------shy
~~~Q~L~i~d~ok~La~nwe~---------------------------------~~----~~ 5lt11lJmlg~ Cg~nlty Lof 6ngele_amp__~_____s2Jtn11 Ca 2jp Codo 9Q80l
Ltncfo CilASE MANHATTAN FINANCIAL C02
AOOITIONAL MARW DATA OOMMENTS
omparab~es H4 5 and 6 were s~leeted f~ the Lido Isle area of Ne~rt Beach Although Lldo Isle s substantiaLly further south ot subject the island of Lldo baa stmllar eharacterlselea is not ttad and eorudderad sllllilar in overall market appeal
Jmparable U4 and Co~rabla 6 are both very s~ltar to subject in livlrtg area and the large lot lre Their location on the island and their bay)hnbor vbv is vary tmilsr to 3Ubjeots Large ~just~enta W6re not nacessa~y and thaae to cnmparablea are given considerable weight
~~able 05 has tnferior lot utility as well as living area ~ich raquired adjustment but tha Law was couaiderad s1mlar All three opound theaa co~arablu reflect similar construction quality 1d we~allmiddot marlcet lppeal
lmparables 7 8 and 9 are the beat of eu~ant liatinta avallable on the Naplaa islan~ within ose prOltilllity to subject Although they reflect construction quality and conditiOn more similar 1 aubject their inferior lot si~es snd utilit7 at vsll as living area required substantial ljuatments Current llstings are fumfslud to demonat~ate the upper 1~t opound value for the tbjee~bulla nampiahborhood Adjustments 1n the grid section reflect the approximate sates to lat middottee pereentaga probull1lded by the local Multip~e Listing Sarvice
DNyer Appraisal
___fgJ~~lri Proa rtv Addrau ~ ld9 tBM -~middot County lolll~tt ___J~ Zie Clllt ~
LKndet ClUE ~~ltATTolll fiiWICtAL (JIQ
AIgtDINDUM TO APPRAISAL
Ojt 1 loeaud witlbullitl t~e city lln1t~ of ~ Bead) Callt~fa IOrll Seech h toutod llgtrodnaUly 239 nie$ ~h o1 lA~ Jgamplu the ~llty seu o1 10 lneles CCUty The pl9atnt J~QpJlat fQl o1 lAtl Bead h lllPIgtthattly COO vi thin It 4971 tlll~ lle~ lhe ci~y Is bGrdered laquo1 the U)rth by lampblootl the $dfltf1 by u Pacific Ooeltl tl14 Vet by Olr5Qrl Std Latlta lld the East by Sql bullad end los Al~ltoa (OriJQe toTJtygt tt ia eUo bordered en ~flo lleat by tfle lcni Beldt CT10) FrtltMtf tlo llorth by the Sen Dieogt middot-y lmiddot~) allll the Salt by tiM san ~lot Rlwr F-y (I-60$) OottVtlertt 1~y middot~-s II I hlcflly lrelgtlo ftaturo tor bullbullfdlnts otto ~rte t the a~bull
thougl1 the city Is plfnar1ly 11 ruldtntal tQOUfty a stbsturtlat prtl01 a1 lWld 11114 Hsllfved tor trdJstrlal ~iat lit( Dfflcbull rtldlltiJS u~o lfajlaquoo siqlflllll COIIpltxa are acated th~t tte ity Cbulllitorni State llnlwrslty Wid IDrg Belich City t6lloge ere bulleated ln toog ampMch amp~ill to loroer Prb ale SQItttrod tnrl)jgcJt the city far tile re~oation usa of the resldoota
e fident1~l ~Xltmnides bullrbull cha~ttertlect lfith a 111Xtlltll of restdlltialvi~s tqing fll arell oldt loxl frlllle airqlamp fenily ~as ta l11rger1 rltNOt1 ~ra ~rn trset t~ txbulltng wlli~h bullr~ ~~lble ciJo to tke 11o1t11tt aitt fnfucn~
lje-ct t Lacatod In tJo SCYtbeat coMer of ltng Be~cit in ao arM alown u Naplu llpl03 h an iamplencl In tl1e eorttr of e 10g Botsch rfna and 1a IICicnuble fr011 he Ean bullnd tloe lint by Sa=d Stlttlt
bull rntigbolflood OOil4itU of avetbilebullgood ~bullelHy 01111-thrltlltl story detadled houus rliIQitgtg 1n elze frltn 1100 to SOCO ~~ ftet -r aecltou h appiQKItoly thrlt111 niles tut nt Nifborlood ml~ good lntwnt llt~ela Scxgth WwiJ ald rtlatd Vi~es orbull ~tntly QcaUd to the p~rty tie botlrdarl of t1le nefgfilomood ~~ct~ld ~ tM hlsnd faelf
~ faUna ts a hidllY dtagtle Gnd pre3tfolcus pllcente to Ulltt ltm Its grtat locatm j pttgtltity to tte ~at=r Tte lota arrood tilamp 1bullifOlter ot th4 itnf havt tJc3t dock to tile Net liUh tM obtfty to 1c~tt 50bull60 +ya-tu Dnttra of th4se ~~ have dlre~~ eocua
thofr OOta fred the r~r af tht pfQletty will ch can thelt be Moiuted thJQUdh tho ~ l cut to the Pat Ifie Olelaquol the hmu lrltMd bull l)fgtrf~teter olIIO hlve ~llent vie~~S of t1e bly 1d eft) llihta For ruldmh COl 1nte~lot Lab 1t It ltny a lllort walk to llfll of tlw V4te bcl-et tr the tidents and tMbullM prtl to w~ llcmu cr1 fnterlor tot t)l)1colly r-arg= In 1181114 11011 $150reg to ~tn)r
e~ the por11Mter ~th llllter frcntiiJI tgtP1ealty r~r99 fiQ1 SVXOOCO )Igt StOOCOOI- Thbull t~ In the IJJH b tC71Mrd~ the rexJHdlrg Otititien to rrdor ccnptota HnOcletlng of all otdeJ heriot tile hond ampooQ tM gtltltfMUI odjKeot to thamp bllltld Th1a trend
~~ltthelt-- tile rtobilfty of Mrka~ lamplue$ in the aNa
Dwyer Appraisal
Filo No
_B2~ttSilpn1 COOle In
Pbullbulluru l~st 8l20 Lido L)) Cllpound~~cfl C~llL2~bullLa Uabull c 2Q~ltIdbull ~
~middot----lendbullr CHAS ttAHKTrAN FIIIANCIAL tW
ADDENDUM TO APPRAISAL
XTERIOR FEATURES rtOIIltlc (ltIn tbtrs) $prinkler ampy$Ctn tn jrllrlt amprr yafltlp
wltold amp gottd llfltry to tht front dltlor provd~ privacy at 1141 u a frcnt patio for lddhiltt111l fbullnctio-at utility oblld p lltltert in t~ frltnt amp r r yard 1sta1 dr111CIIIIY Ia nade of aalld flags~
~~ front porch is~ of solid fl~tONO
111r yard enoleooed ootith a~middot hi~ btoek ~lt Thh proYidlte9 aitiONJ~ ueurty li~t obstru~tlng tile bay vie~~
CJJbulltltlll luilt bullPI in tte frat QQ(Itt)llrd bull 11 patio bullnbull elso hu 1 bulltmiddotfn 18Vfi~ft
lttio a~s t~s tM r of 1lltJ- b llco(e of solid fl]ttltllo
rt of the riNr patio 1~ It CfMbullrltJd by ttl~ seoni lelto~ol dedc
~TERIOR FEATURES JIIIStDIIII ftcarlng In MtJY hltJllnlf I t~~ m thegt 1bullt Uvl 1 sCCIId lbullvbulll Is all 2~~qJare 1111rblt YilOltXf qJJotty eubulltat e~gtrprtitiQ th~ the root of th om Item h~~~ qUII ity Stow-oo ayttn tlulCIltt the ~
J Cfllllity hcurlt) syatern th~t Joillltfl ta dNgt~t disl to a sacu~lty JK~nltorl~ Jbullrv1 ce nt~t len shutters thr~ tcglt~thar wf th 6tioer CtJbulltOltI ulndr1t eowri~bullmiddot
etaold llV~IJl9 dl~t -t prflllr) rcons ord t~Llolllys
to 12 ooilirQS tb~ ltlOSt Of tho hi3e bullll~tbull ere ptaced bulltrateic~lty thrctllflalt taD IClWII mot41t~t tlvalgtool tht houso rn tfoe addltOfll bedJQOM JtiiIOfef Uo((frdle dltxgtrt rt is 1lao a Mp~Jrato wine ltollar gt1ich h tlle~tatiClltly t~rswro I ~lfrate taltrollcd h a lourdry chute fiOIf tl~ llpl)r tel(a) to the lalndry ~ ~~~ at t_ lCooer lemiddot~L
TCHEN ot~rtopamp In fctttMn are tolid ~rooite
itOOltI flco~iJ In kitclen i nd area
Jlll~ cOltok~ aU othe~ top ctlIQIty lilltes amp fl~t~res und In tnt ktt~ as OMlL as the bullbullbullt of tho hoobullbull amp il a ampefgt6rete fet at thbull kitchen sl~k for inseartt hot lllltiH
- is a mr~ 114kmiddottn jlllftry lttich h bull very ~lrabla fbullbullturt usUIlly fafd In larlts rn tMt t~
bulle h IJ lalge built-In ref~ig9flltalt-tob-zero 1reeter lith the front ps~elamp Mtchlrg Uo cablrgtlttJY I~ the kltclltn
lULV ROOM fQnfly rogtOfllllls its on firqJlace
STER BEDROOM amp BATH llll$ter gtlaquo110011 fs Vol) ~paclobull tltch fa a typieal fcatTJre for thi~ ~ amp ptloe ~of ro ~ h a sittlrq area or retret~ at ltgt1~ End of th~ lliISter beiroott taster bedRltln has ita firepllaquocentB lotlfch h triliiTed 1(111 norlle l~ tlt~ ftooriJ9 thJt1-IGhJt JMst~r bath rzi tlb in IllS ter bath 1 ampt-alor wt th clxibte shltloer hctado
h a t6r~ llalk-in cloet in bull~tr trooo 11tt~ buHtmiddotin orgbullniz amp ol-olve$ Le amrcqJI In rraquottor bllthCan
lNG ROOMDINING ROOM -o 12 ceHI~ in Uvl19 ~ tving roar h11 it 1$ Qllll ffrplate llttici a tr-fmoeltf uith rarblo ont co t~o dinllg roro thQr h a bar rem JJth e w$lkmiddotbehtrrl llH bgtr th~ 1aro1ly ftJoCt1 with a luilt-fn ref~t~rator amp fc Jor n stulptulOd c1rpetlrq in the livfhJ roato ard lldJont trca3
IA(E bull~biO n qood qtelity ~Llmiddotup rr- doors wHh liample dcor qJltn~rs bullilirqbull amp ~alls in the qgtragbull are finiohelti ot ~bullt~r ~tor hltla a rbullmiddotelrwlbulltlf ~ lottich plOIbulli~centamp notMt hgtt lf~ter to praoticany ort(tero t~ the hOJs~ 11t to tbe 90rigc la 8 ~tre cellar middot-et ba- liN 112 bllth
~-===~----
Dwyer Appraisal
-iUPt-~~JL__ lroarty 6lt1bull~11 (lRtJ lob le
~~altl Cauntv~~ sra~ C4 II a~e lalll Lande1 OIA$E rtNII4TfAN FIIWICW eolt1
ADOitNDUM TO APPRAISAL
lnal Reconciliation
bullr Nl$ llo 1blo Reccrd5 $~bjeot has nat ~euro11 ~fated or told tn the pKt 12 rrcntlts ampnd h nat pr~$llntly listed
te nat cttampttt bull~u activity tn touthHrt california II e11p1rfenoif9 Lilli ted aetlvh~ dUo to a tlt~gglah OltOOft lotile ptql~rty vallo$ pear to llttve lttoclfne tn eore 11rtas other etelt~t are ~~le $ tlaquoM areas hll aGtuelly lncnut fn vat~ A pertloular llef~barlold fVIf Prfmce lhat ~r$ to be Iii t~~ary cleltline fn ~talue ldoltrt nveral ~r-s 1eve an wgent nHd ta aell lara aU ~t1rq for thl middot111hed nlnigtor of bitter~ llll~gtfbble Thfa h -ftered to be bull telpOnoryo aftuatfcn lohfch will oorreet Itself 4hen tM tOIIIXIral) Ooert~ly ~ b ebtorbod amp detend fncr111nJn bull111~ Ioiii~ hllgtl~ txperferncd laljle orplO)lMt ~ffa or oloVte of lalfe renufacturi~ plllt1t e rtcwery petofod formiddotp~ty v1tlut $ thl stobHlzatlcn of ~lfmng Yll~ claquo~lltl be atttantloUyiClIQltr amp lOft sown thon tEIIIlOrsry
this CQldltfltll is ratld or ena arprmf~r h ~$rt of It I~ l$ ~tod en bo amplfSl8rat~ adclrldln Nrefn middot
thh 11sprabal anfgrncntcal4ful ~~IGltI ot all curlltrt Mrket dllta wu conafltlerod ~llfch inclLdcd analy~1a ot cu~rmt ll$tlngs penii~ les aa wll ~ tJqtrld and -l~ lhtt~ P~lng aales 1rot~ltlthn 1 gfvm ratkat ar~ can rerg in vamplue wbst~ietly ~lng lfv~rQ area rccn cortt anenlties ncltrlng view or lllcc ot Vflll and 1q~~ta ~ ~tfa1 lf there litre pending MlM ~tlfdl N aio~~llal to subject In ovtral~ rarket Ollll4St1 cne Of~ of thtsa ~fng sslobull Mite beelt fncl~ fn thh tltport rt there 1111r1 no liHir per-ding ales ptnd111J alet lhich ~ltere not silttlar Ore not Usqd lhe u o1 ranbulltlnf lor Mles ~oWld Tlt~qJire thm vn of excQsfva 1 etbjetiw adjus~s leodfog illes 11119 adequE~tely teflect curr41lt ltlrklot derltJltf ~Mingo les of ptepcrtles stnflar to stbject at fees l~r thlo rtelt closed sal are gfwn tho roampt lieigntPendfng 14~ laquo f~gtlltr ~rtles hil1ltr prt-1lt1 than r~t eland sales 1 g1v151 o~~fniMl wf~t sin- tie~bull fa bull poulbllftl tlllt thay ftlt nat clo~e aaerou for a VarfOU IIUber of reafiOM
led ales withfll thl jlolst 30~ drtt aramp IIOlt raLteble alllcento tMy hlrw ctOltHQ amp Urrt are -t recent II tllo ebtenca qf reltenC eloeed gtendfngo satu 111 ~mtyenab f CM~ llstlnga ws also ~~ted ~in thitrt 1M be a llidbull ta~ t valuoa -llllble tor Uatl~a far 1 lfll~ tf abooa llstrga prlcad out ltgtt llfoat ~rata be reailcrollbltt range of wlut Wllftt not ccnalderol ~ und In tht rtthey hlaquovtt btco adJusted to t-4 prebogtlt ~~Gmntlllit a1 Mlt ta liat pric es reparteltt by tile Local 1Jltiplamp ~ittliG Service Further iuatmnts aN then ~eased en teatur~a coodftlcn etcent Hfnltral ~tight h given to t fatfnga ampitgtU they tore clrly d~trate til ~ lfroft of value for PtQPa~ths tfllilar to Sllbjet~t ftOir stbjeets narlcat Gru ~ are hMfr tile ro~t CYrrllt deta a~~ampftabl~ If cne t110 lfetlrgs 1evt nat ~ inotude In thl$ rtp~rt fn lieu of peldiJ sale t I$ becaue~ tfl~u ~bull nane ampYallabl~ coosldotrod to ba 1flar to stbullbject 1Qn-slllllor properttampS IIQIIld agin rltUir~ tM u- ot egtltltauw ZII1CIor Oj~t altljuatts tl1cn ckfeet th~ p~rpase Or bull eo~rabte t~lamp middot
middotmiddot====== =======~=--~----middot---bullmiddotmiddot-----middotmiddotmiddotmiddotmiddot~middotN---middotmiddotmiddot
FotbullN 32590~ DEFINITION OF MARKET VALUPIhe mott probaWo pric~ which amiddotpraporty ohOltifd brlnqin e bullampolfdve bull~d opbullnmorlltel undor ~~ conditions requltitbull to 11 loir oolo tho buyer ancl eampllor eech bullbull1ino prudently knltHYiodgubly and usurntng tht prloo Ebull not eHOlttAd bv undUltI inwus lmJ)iiclt In thlr dofini1lon the ltltgtMUmtn~tion ol bull af IPIltlifled deto Dnd thl poaslng or tidt ltom bullaJiar co buyer under oon4itlont wh~ttobY (1) buyor and wolltr ero Lyploanv motlvalltld 421 both panJsl art wnll infom~ed or 1dYid bullnd uch acting In who ha eonsidorbull M1t awn bs~t lntereot Ill bull roaaorlbullblo timamp is nllowod lor poevroln tho Ol)llt mabullbtl (41 lIY ibull medo in torms of ~bullbullh lrl u $ dollarbull 01 In tturno or flnonolel ~1111810nts oornp~rlbfo thereto artd (5) thogt ptlco lipiUIIItl rho normal caideratiltJn lor tha prop$ry aotd unefftc~od lly spociBI ot eroatlve nnancfng or ur ooWluslona bull granCed lly envone asbull soclarlld with the bullnit
bull Ad)ubulllmampolto to the acmp~roamplot mu~t be mede f~l 8ptclelat cres1iV9 finannlng or tlt~loa ooAonsiltgt~ No sdjuWYents bullrbull nao~orv
for tlto oo9t9 which ato 11ormally peid bv ttllilre 11 bull roeult ar trtdltlon or lew ln bull mrkot arbullbulll Ultse coots arerudlly ld911UII11No tlflus tht 1sller peya tMtt oootl In Yirtually ell eltlet tr~ntaotiant SPJclel ot orutlv liMnolng adU~tmontt can bt rnocle to the oommiddot plrable proportv ily aomptlisont to financing termbull offered by a third psrty instituric~lllandor thai io not afmtdv lnvclvad In tht propshyortv or trantecrlon Any Olltfjua~tnent aPtould not bm talaulartd on 1 meltgthbullnloel dollor for dollsr cabullt of tho ilnsnclng or oltmcot~lon but th~ dollar amtount of anv ad)ubulltmont ehtould apprlgtlCimato tht Markatbull rltbullaotlon to thl tlnonclnltr or ccncetlone baood on th~ onJ~Ufjorbull judgmeot
CltRTlFICATION AND STATEMENT OF LIMITING CONDITrONS CERTIFICATlON Thl Apprlliter ~artlllampbull ana reea thogtt
1 The Appr~llttr lult M prou11t or contemplollbulld futlire intorebulll in tJoe prcpbulllllbullpprlitampltl ~ncMithar lhs omJ)JO(mont to mako lite oppraluf nor he oom~~uutlon lor It Ia oantlngenf upon tho ejlpi~lbullad value of ho prGperrmiddotr
~ Thbull Apprmbullor hebull no paortallnter~al In or bias wfth repaot to th~ eubjogtet mtlter ol tho apptolool repo~ or tho pnr11clpanto 10 th oalo Tho eetlmlltt or Mor~at Vo11e In the lljlpraiul roport Iamp not ba~ In whola or In palt llpon the reco color or natlcn-lcHgin of thbull prcapoclfiM owMrs or ooouponl8 ol thapropJrlf eppralsod or u)on the taon ocor or notional origin of tho praunt ownoro or oocupantbull ol lito propartioe In t~ vfclnll( of rh~ IHGporty apprafbullad
3 Tho Appralttr hoe l)oroan~lly lntpeotad Utltl propwrty bolh lnaldbull ttnd a~r arltl ~ madbull an ooxurlot in1ptc1tan af ell cwnperehla bull~les ~~tod In lhfl npott To thbull but ctf tht Apprelearbull knowtodol~ sfd Hillel alt stttemenlbull and lnfarmotloh fn th~ roport 114 truo and bullbullmtal ~rtt tJe Apprel~ar h8t noc knovrngy wltllhtld ohV algnlneal1t lnfltJtrnatlon
4 All conlll~tnt end limiting ~ond1tlortt arbull GontalogtoJd hotoln limosbulld hy the termbull ol tha eoolgnmanl or by the LondtroiQnod olteotlngtlia anofJliOt Gplnloflt oond oonaluaonbull conralnad rn tha Fei)Ogtrlt
5 TNbull opproiulltpart has boon made In ~bullmforiTlty with ond Is oubreo( to tht ttqulr11lt1ampnto of tho Codamp of Pr~fassfanal Ethics end Stoinltlltls of Prolaolianal Conduort or thG bullpprnlssl GIQampnlznlant vmiddotlth whloh ~ha Al)rnlut Is afflneiad
8 All ooncluiliono end oplnlont concorrlno tlbulloo tatl aotbulltbull thst ort tet rarlflln tho apprUnl report ware prepari hv 1M Appralur whoto olgnoturo ooppoa on thltl ~tpproJI raport unlbullbullbull IMloatood a 11avltw Appralosr No ohenga of any Item 11 tho eppriiU~I t~port bullhall be mod~ by anyono othtt tluln ho Apptofnr ftnd lhamp Apprsleer ahall havo na rotponJbillly fer anv uah lttnouthodzed
ohbull~middot
CONTlNGllNT AND LIMITING CONDIIIOffil lt4rtlfialfllon of the Appraiser ~pp~lt~rtn11 In tM orppralsar roport Is subjaot to tna folfowlng oondttlons end to euoh other opecolrlo bullnciiiNJUng oondiHons u era aet forth bv Uo Ap(ltJieor in t~o rtport
1 The 1ppriHaer ~null4m M rslgtonslblijty for matte- of a legal neru affaotlng tha propampfV apptols~d or chbull titlt thbullrot~ not dcos tho Appralnr r~nltUt ~ny opinion bullbull to the tltlo whfh Is ftbull~m~d to bt good and matketnbt6 Tloa property appr41Ud es thouq h under tsspoleJbhbull ownerohfp
2 Anv tlltatoft In tlto r~tport may bullllow spproodmor~ dlmof$lona end fs lnolltlad Ia anlst th~ nad~r In oisuolfltlnQ th~ prop4ny 1M Apprsi~or hu made no svrvoy af tho proporly
a Thbull Appralosr io not qulrsd to ~lvamp tobulltiotiOl 01 appear in aouri bo~bullJIH of having m8damp thl appro1aal with ref~ ranco to Ute praportv in quetUcn unlaso arretlgemoobull ~avbull bbullon prlhi~raly mad OJ tftltmbullfor
4 Any dlbullttlbution of thltr valuation In lite rampport betwoen land nnd lmprovamtnts appfisf only urgtfar the malng prog~m af utiJI~otion The s-oparatbull valua11onbull tor lltnd ond b~lldlng tnuft not b~ Uliltld frt conjOncrioM with ShV aliter eppralslli and era invgtlld If to Uftd
5 Tha Appralut i~Jsumeo that thora ate no hlddon or un~ppsunt condlclono of thbull pt~p~ny eubactl ot strucntramp~ which waufd rendor It moro or lass vai1Jabi4 Tho Apprefs~r asournbullu 110 roponelblll1y tor tltr~h ctnditicent~bull or fM anglnaampring which rri~kt be required to discover auch fftctDn
8 Information ampS1iltnatet end o-piniont lurnlshed ra llta Apprai9et bullnd contained in tiN toport w~re obtornod hom ourebs oonsldmiddot orod reliolgtlo trd lgtnrtavad to bt truo and oorrect Howevar no rooponslbllitv fcrecrlllampey of eucl lome furnfohad tho Appraiser can bo BUUmod bv the Awrllsorr
1 Olactosuro of lite oontampnr oltho approJool ramppcrt fa gorned by 1ho9 Bvfbullwa ampnd fle~ul~1ions of rho protasnlonel ~pprohel orgbullnlshyl~tlona with which tno Ai=Pltbull~Gr is ~ffilialltd middot
4 Nafthor bullh nor bullny pert o( the CltltfG11 of tho tt~art Ot ~apy thet~of lincludino conolorolont oo to tho prop~~y vnfubull the identity of tnlt~ Approoor prohbulloiansl dlt~bulliglttlons r$loronc~ to ony jlrofQoslegtnill epplllal organiadono tho firm with which lho Approlnt ia connncttd) slutlt be u~od lot nny purpo~ lgty nnyoM but tho errant ~pooltl~d In tha repor tho bol~wor If approitol lu pnld by ~ovne tho mor1qo~aa or h$ Rtocurs erol nort)no morrgo~o lluurort conouitant profuofonsl dppraisef argnnllailtlmt any l~te or fllltlofllly optotovod finenol lne~tutian lny d~rgtbullrtmont agoncv or inttrumontaHy of doe Unt81 State9 or ~ny bullbull 01 lht Oishlot of Colutnbi~ without tfoe proviouo1 wrltttll oon~snt of tlo Approioar nobull bullhoU It bbull convbullvbulld by anyon~ to thbull Pltthll~ thiltlugh 8d~artiaibullltJ public rampIIIICiona news~ stflf or ocflor mbulldia wftfl)lft the writt111n CCnlont tl1id opprobull1d of Ula Appt~Sl~u~r
9 On 5iJ CJPDrehilll$ $Ubject to ~ldetactory cotnplrttlon rnparl or alt~ra1iDI9) thn epornlsnl -JCIrt ~~gtllf - ~r--~lt1slon Utl conHnmiddot gllnt upon coflyen1amption ol lho lflrevel)entl Ia a wnrkmanlik$ m-omr1Gr
BORROWER Dobkin
PROPERTY 6fl2() Lfdo Lnne rottr lleach ca 90803
Appraloorlbulll
YAioNbull~ FbullrrJt- MoM ~-m41~JULU-1 Fltlfm 1co~ n JJ~ 8~11
Dwyer Appraisal
Ftre No )illQ2_
~UP~~~~--------~-----------------~------------------------------------~p~~~ll~~~~e------middot----middot~------------------------------------~~---middotmiddot-----
f--Citv I~ Seilt~ CCUQ1 ~~middotlu---------~---~2i p_Codo_90ll3ltgt=-----~-__ Londer alASpound ~HioiTAii fUHltI~L tll27
AlPJlAISBi ClmTIFICAIIONS amp COMPLIANCE lllTH FIRRA REQUIREMFNlS
bull The puiJl1lle of thif f)Pgttlul b to estlllato hlr Harket Value as cleflnol In tho attamplthiod FHLK( fern 4J9of tt- bullbltrle deo~ribed real ~rty lhia appllliwt 1s f9r thamp SGt and txcl~ntv u1e of the ~e described ~~Cl l~tbull
lhta eAOreiL nay bo ~bulltd for federally ftlated rort~ lcall prrpous $bject to title XI o1 tho FIMnbullfbulll Insettuttcns Rtfon r~E~Wr) EllfGltcanetot Act of 1989 (IIAA61) The 1Mers1~ oppralter(a) aekrQtledg= ~flet thoy have rMd end Ydarstand tle Utfor arlfard$ of Proloslotw~l ~alool Prectf 1USIP 1 at they ~tocl end y bt atltndod 110lt1 tlre to tiM by thamp twrbullhal StIWdartfs gtard of the 4fgttaisal fonlatton ~rrl u trplenbted by IIOd 1nco~rsted fnto the oce (Off1oe of the CAlrtptrctltr of thamp Currency) ~Uqulatmiddot gtIU 1hla llgtrisampl QOIII)l with ilCC RegJlationt PSgtlt1 tfgte tlnl10~JI $tarderltls of Prof-teN~ P~cttca (IJSPtP)
the legal dorlptl011 9f tile prltlf)erty u ~on t~~ fi((t ~ of tMt t~R~rataal regtainod frm tha cnnty teK uunws riOOIds
middot ot-r ~rltgtd 11hlch ort eotiQred to ~ relloble- but Mt liJ(Irlltltoed Tho tot atgtd trs~t n~ lldar the aueuara par~L nlbller ~ra nsiIGIti lld~taly dtscriptlve ~ ~~ ot bull prtlbrirv~ry ti~lt report WIIoS rlaquoJUsted fron tb~ l~r bvt rltrt reeelv~ at the tiM llf loMe of this ~hsL
Th ~rlllampil$ eJtill8te af Nuaratgtle 1111rkttlng tine for ampAlje~ p~rty eelriltl~ ~hh the rlcetlng tiM shgtlm Cfl tht frolttt pogo It also rntated In the roment section en the nOOIICI ~ of tile lj)lltafaal
If tho tlbletta sa b val~ Is difforant thoR tite Estltcf valtJe t1~ val~ 11Hl bt stated in th ~te~oocfl btftlrl seetlcn of en rahal lepartlf thet are tne u~~e Qnly tigtQ aa 1 wlu~ 11 atatodA buH4fllQ Uldbullr ()()MtructOn ar In gtelaquolt of rqraquolra cr slttratfcns ll rerplre tilbull 1Ettita of llltrrktt vatbull lth tho ~~at~ 1albftct te box beilll chckocl Stlt thbull bac~ ptge of the ~pFn~iaal repon bull tha infanrat1et~
he scrpe of tMt flrahal frtoOlvod data oollettlon frcn vtltOIJa =r~t ta-fdered to be roliotblltJ 001 ~~ gvarantetd tn~ltdirg bst Li11itld to llblQ r~rd infec-t~Ltfa obta(hed flllfl hi lol COInty re=derbull Offiee Tll~ ll4tbQJfd1 t~oc Dmar local ttJttfple tlng a~vice1 buyen setteramp alli real ~t4te brQI(tra tooflrnotion Uo$ mt by ~ros~-cfleckirg fnfcr111tion ~ith tilt rorcu ntiCIlld middotthe llt~tultamp ere then repoltld fn the QWItlprfiltamp lrxirtftr~ on the bullr1lrel~l rtpOtt o~ ldd~lho pr1Mry data liOWCH bullrot provided the grid sectfoo lltfllt ap4U parnlb A phy$1cll 1npect1cn of tht fnt~tlor Itd exterior of the tlbject lrwerty 111 corjucte at ldltcl e thbull Epllraiter urilt t~o projlOrty l c~~loolated tlte orproJf-te l(fJare foe~ of l lvfrg amptea lhe ~raiamper tiiEtl ltIIcentltbull by tho fret
middot~h of tho laquot~~p~~rlblbulls ~nd tekh~ lIOtlta as to tMfr a~rrlftt ~leltol claquoldhioo for wul~tioo of their aolitiCII 11t ti~~e of salt
lhlre lilt~ rtl 11gt0141 pcraorat ~rty ttllfiS f1Mtut or tnt~rgb~t 1t~4 1101 notrolly ccnoidere bull part at tho rl MUte 1ncltdiod in i)raisod vatue of tht Pject ~rty My porKIIIl pr~rty iJ ~rteltl ltgtn l ttparete a6teldJ
the trltferbulllg~ed awratr(a) preaergtt end eertlfy thlrt~ (4) tt1e BProfoal auig1-t ~bull nat bas-M lt401 reqJtHIII nfnilltJil Vlluatflaquol eel fie valoetlro or tre owrltml Of toanBl etpiO)Wit of the appraiser wu rltrt oorditlmed OJgttO the awrabel produeii1Q a ~poet fie Jot or 10 1111lut vithfn a givon r9hgiJ CClfuru~ ~~t h rtGt d~~t qlCll en apprlhal prQdJclng a speelfie vatubull (D) amprp~t gten~atlltn ard fvtue eoplCY)lOnt Ire r-ot lasod ~ llllt~ leon lpPlicttioo h tppro~ed ltElnetlgtor the awrats rar any pelt(tl ~itlt
JOrerahlp intbullr~bullt In the ~ tqllaying the Gwrainr b rtla~~ to or hoa allj Wttrship or cthltr tlnncal lnterost 1rt eitller lxlildeobulldcvbulliper aeLler buoftr ror~e bttl~or Ct rtlt~l estate lltQk~r~~rsa (or a~y ~nM relatod to any of dlltr) irrol~ed in tNir~ti~ f) ihfoh this appntisal luu ~ raq1estod or utth th the l()t recalt nle or ratlnancfrg or irtY ll(OltIIty usid u a lttr11bte praportylogt thh epp-alsal ard (I) th lp9raiser h not ~~~o~are of tllf f~cta lhiltfl uould dtaqu~ify the frtn bcdng deelt to btt rwfeponrlltlft epprehel far ~rjlltI~H of $ltJQtion ~4S of th~ oee A9lotloo AOgulatiCgtlo
The IAdersignoltS apprainrCgt) h~relr ~ogtknltgttl~ ancl ~rtify that t~ltsy ar fbullJll) qBltliod ard Ogtltpqtetlt ly their training boltlge amp rience to f)rforll thh appr~hbulll II ~fter acltejgttallle of the ~tlgtrahol IHS lggtMt ald dullng the OJru of cordtlct f rg the ~wr~isal FPrampisr diac011ero tllilt tnoy ore rot fully ~t~ to jgtdrfor th owraiulthe ~ta~r will OOrjgtly vlth tht Coopetency ~ravtslcn SPAr
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6020 lido lane long beach ca - Google Maps Page I of I
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Dwyer Appraisal Praoor~v Dorhgttion Analvbulllbull UNIFORM RESIQENTIAl APPRAISAL REPORT foife No32~
middot-------1
middot~ Nole~ R1~ W IN t1tc1-l ~omJ~Wh11 ot chll ~ct~ad ut nK erhttred tlltW~ ~~ fbulloIOflbull
~ coiAMiNHlt 9Jbiost it Laat-lti the letwt sltlrt 11nla eottlt~r~ g~allty Htatiel ~HYhou~i rtlllmt
lrJruJze ll~Cil Fr-(RltCftsJ m-~~4middot~ bullHn lartb ~~ref lest Good Oampintenanct leveh Pltgtttooo=Lbull=---t
l shltooinQ I rbullLat61 ~~~---middot------~-----~-IJ ~SEiAlT~ AOOEI(WI f(]lt iDPTlregL_06TAlL~)
i oewrAAL oucmos EgtTfRIO~ QUMJbullTrQlf oiNOlllCIN DAampIIINT IIUIgtATlON ~ mt__ Mftfrofl tcrCr-el_ lllltb m___ bullmiddot~n ~- n ~ 0
SLCIIcu lhrgL__ amptfuNbullt e So 1b II F~ IIA cu COO - ~tUyen09___
T~IllatAnl ltaened middot- 3iSL-- Bet ~ Ctll~ Jl_______ VIIUbull ~--- []1 ~~~ 0U1Jft (91yhl Glrlr~bullo~ 1int~ Hgt_l ~mplrnp ~ Wltft ~-- ~n~O~middot- ~wll(~ Wtdoi11yenTfO ~~ on rtore laS_ bull IJL__~ I( --- 0~---____ P1QDP2Gd ltlrm _ e1111m1nt ~-_4ot-ed 011lbull~t poundntr ~-~-Y lpounds1- [i~----middot UMu lotfUtctillll amp-~ $crtcr-w ~ lffuttllm ~ Noted__ ~ -~ Erc11r (Nitltulltbulli
ADL lYra) 2 MbullrfuluH Heut 12middot----~--~JY~_IA~-----------~~JU~JA~---- ~~t~ ---shyrrrt ti Jt bull iY1U 1-2 NA WA IfA
-middot---=-------------~--------middot--------~middot-----------middotmiddotmiddot~--~middot---middot----middot----
--middot--~middot------middot--middot-----middotmiddot----------cmiddot-------~-------~---middot-------1 Dbull~reclbulllit~ttQtllrbull)llrltri4Mtlll(loj_tcf1oollt11itu~ottrQpobullhrw-Ko-t~nlhMkn-t bull~~t bulls Jn Gad_OVfratl ~tt~cp~~t 1tld~eit5 O
_$fflod Sflilrs bullr~ noted -~ubleo_t lrdicatEgt1 lus1s Mif)Qr then t~-t preamptir~~~~e-1 d tbull ih lAISor ie_ ~r(r01t J=tilt-fl ampnl FlflC8hiK~~t 110tgto1n tlre nru r~ Sypkally 1llartllteror~lttcrfrmt tj ne lxgtlltlbl due J~ t~ach cotoIUilHy irtfluco lhi bull ~middot Ld ~--q ro TgteOgtUr~b Lo eftqt on middot~ieets Vftlue or llrkamptelgtjtj Y Iiithin th Cs mr-lket~---t rJt~d mbulltktt CONfil~f4 td puw1hn01 in~ lrnlbullc(in Utbe-~ctlNltt trU r~udllQ foirn51~rtt Wrut tJtrd61ront tld (QK4uiYf amp~ft OONittai-~ j)_rla itabt__ amp ~)lt()bull bull4 rot pr~(ent fn th~ ~rM Silil9cta 1lrsotlng ttq lotlfd l_s in e~lt~amp of 6 trltrtrs h -~qr~ in thin r-cl9~ ~9 1idlt_i9 ~ri~~dly DJUQJlH~~ro qf~~itsbl~ fg htrl)tr gtricltlt WMbull ThlbulltJ~Yi~iftIA~t Rf~ ~middot thmllllum SltIJthem CUfomlb middot
Dwyer Appraisal
f w Ft~ll Mill- Ptnbull Mat lhl r f0Wt ICf ~bullhtHUent tnd OMe lpcNch fOff111111 In 1hJtbullbullot -middot-~-l (l)tt tlt~ are ft01t lllltSMll amp fllift bullbull ~l es fnf01111ltfm -~~---~-----~middotmiddotmiddot --~ shyby l~gtltal llltHdersconva~taltbull lgt~tn ~DEO Mlq~E~----
I f-qoy E-bullmiddotntlbullbull ~a8111$mies bull - bullbullbulld ~----~---llloo~n L1ll_sl81~ bull 1vlfl amptLmiddotr~t~ et lftw bullbull bullbullbullbullbull bull bull _ _pound1Clt=--i
~at A~bull-M lllr INO$dlt Wife bulllt~ Fuulbull Mtol
DMa bullr~tf~nfOtft M tr()lleo~~-1bull HVDNA PI~( ICampt1dbulldt1 0 Vbull 0 Ho Nbullnbull tl Wtrttnly llrampQIL
HNoapltlrtl lllEIU~-----~--~---------1 Wnnll C016tqe EIM
~DICiTeO VAlUF BY SAIES COMPAAJSON APPROACH bullbull bullbull bullbull bull bulloiCAUlJ VJIILU IIY 1~twt APiiOAIA r1 Ap~eitlt~ t1dMilN trl-fIUI ~ $ ___)j[lJ~--- ~ K Otbullbullbull rt1nt ~IIPihr N bull bull ----~---J NIIIPfrJiut it mamp no abull 0 bullutf~t ID tr tepti-1 IIIOtbulltic-INIf(litll 01 ro~lliorwllIM lnl~rW 0 EGM~bull~ IU plttlll ant
b IQCtthai It bKampIIfl~ IM bull~t r~qitorntt~tbull~ IN-vtllloKft-laMIAJ+11 tMJ~tf~eod~41111 tMMbullriramplt ltf-t 6trrnh~ ttwt Jbullawtampt~ In
] frrtA UUO amplor VA lrat~ilo~ J lrc~rt Mbull~hmiddotM UO ltfn iJ9tlfiftntiMKFrm 008 at-1~J Old11~~~~ 16__
1EI PI ~Tpound 111pound MIXH VALVC A9 Drlmpound0 OF tff SUillCT PADIt~lY A9 or ___sW~----middot~ ~~~ bullbulligto I
IMII -M4eletBJ hrn t(bull ttw ttICI CbullWltCI tNt I (we) Mlt~lllllyhtptctef ~tt uPtcl PI7Mrtr ba1h lltlde td4bull1T
thJ r-t~r lttNt lt-Mt I ~ ltttt la Vol$4knd ntt~r rf41$rlt cbull ~~~~IJt-~11yenbull hetn
PtY-pryen161~----------middot--- Omd Ooi1N~l 6r Jtgtll~bulltwl NA-JE ~~ PrsoM~
Dwyer Appraisal SALES COMPARISON ANALYSIS
IIC9
Dwyer Appraisal SAlES COMPARISON ANALYSIS
Dwyer Appraisal
----~----------------~iltNDJmiddot -~~~Do~bw~~in~--~--------- --------------middot-----------------------shy
~~~Q~L~i~d~ok~La~nwe~---------------------------------~~----~~ 5lt11lJmlg~ Cg~nlty Lof 6ngele_amp__~_____s2Jtn11 Ca 2jp Codo 9Q80l
Ltncfo CilASE MANHATTAN FINANCIAL C02
AOOITIONAL MARW DATA OOMMENTS
omparab~es H4 5 and 6 were s~leeted f~ the Lido Isle area of Ne~rt Beach Although Lldo Isle s substantiaLly further south ot subject the island of Lldo baa stmllar eharacterlselea is not ttad and eorudderad sllllilar in overall market appeal
Jmparable U4 and Co~rabla 6 are both very s~ltar to subject in livlrtg area and the large lot lre Their location on the island and their bay)hnbor vbv is vary tmilsr to 3Ubjeots Large ~just~enta W6re not nacessa~y and thaae to cnmparablea are given considerable weight
~~able 05 has tnferior lot utility as well as living area ~ich raquired adjustment but tha Law was couaiderad s1mlar All three opound theaa co~arablu reflect similar construction quality 1d we~allmiddot marlcet lppeal
lmparables 7 8 and 9 are the beat of eu~ant liatinta avallable on the Naplaa islan~ within ose prOltilllity to subject Although they reflect construction quality and conditiOn more similar 1 aubject their inferior lot si~es snd utilit7 at vsll as living area required substantial ljuatments Current llstings are fumfslud to demonat~ate the upper 1~t opound value for the tbjee~bulla nampiahborhood Adjustments 1n the grid section reflect the approximate sates to lat middottee pereentaga probull1lded by the local Multip~e Listing Sarvice
DNyer Appraisal
___fgJ~~lri Proa rtv Addrau ~ ld9 tBM -~middot County lolll~tt ___J~ Zie Clllt ~
LKndet ClUE ~~ltATTolll fiiWICtAL (JIQ
AIgtDINDUM TO APPRAISAL
Ojt 1 loeaud witlbullitl t~e city lln1t~ of ~ Bead) Callt~fa IOrll Seech h toutod llgtrodnaUly 239 nie$ ~h o1 lA~ Jgamplu the ~llty seu o1 10 lneles CCUty The pl9atnt J~QpJlat fQl o1 lAtl Bead h lllPIgtthattly COO vi thin It 4971 tlll~ lle~ lhe ci~y Is bGrdered laquo1 the U)rth by lampblootl the $dfltf1 by u Pacific Ooeltl tl14 Vet by Olr5Qrl Std Latlta lld the East by Sql bullad end los Al~ltoa (OriJQe toTJtygt tt ia eUo bordered en ~flo lleat by tfle lcni Beldt CT10) FrtltMtf tlo llorth by the Sen Dieogt middot-y lmiddot~) allll the Salt by tiM san ~lot Rlwr F-y (I-60$) OottVtlertt 1~y middot~-s II I hlcflly lrelgtlo ftaturo tor bullbullfdlnts otto ~rte t the a~bull
thougl1 the city Is plfnar1ly 11 ruldtntal tQOUfty a stbsturtlat prtl01 a1 lWld 11114 Hsllfved tor trdJstrlal ~iat lit( Dfflcbull rtldlltiJS u~o lfajlaquoo siqlflllll COIIpltxa are acated th~t tte ity Cbulllitorni State llnlwrslty Wid IDrg Belich City t6lloge ere bulleated ln toog ampMch amp~ill to loroer Prb ale SQItttrod tnrl)jgcJt the city far tile re~oation usa of the resldoota
e fident1~l ~Xltmnides bullrbull cha~ttertlect lfith a 111Xtlltll of restdlltialvi~s tqing fll arell oldt loxl frlllle airqlamp fenily ~as ta l11rger1 rltNOt1 ~ra ~rn trset t~ txbulltng wlli~h bullr~ ~~lble ciJo to tke 11o1t11tt aitt fnfucn~
lje-ct t Lacatod In tJo SCYtbeat coMer of ltng Be~cit in ao arM alown u Naplu llpl03 h an iamplencl In tl1e eorttr of e 10g Botsch rfna and 1a IICicnuble fr011 he Ean bullnd tloe lint by Sa=d Stlttlt
bull rntigbolflood OOil4itU of avetbilebullgood ~bullelHy 01111-thrltlltl story detadled houus rliIQitgtg 1n elze frltn 1100 to SOCO ~~ ftet -r aecltou h appiQKItoly thrlt111 niles tut nt Nifborlood ml~ good lntwnt llt~ela Scxgth WwiJ ald rtlatd Vi~es orbull ~tntly QcaUd to the p~rty tie botlrdarl of t1le nefgfilomood ~~ct~ld ~ tM hlsnd faelf
~ faUna ts a hidllY dtagtle Gnd pre3tfolcus pllcente to Ulltt ltm Its grtat locatm j pttgtltity to tte ~at=r Tte lota arrood tilamp 1bullifOlter ot th4 itnf havt tJc3t dock to tile Net liUh tM obtfty to 1c~tt 50bull60 +ya-tu Dnttra of th4se ~~ have dlre~~ eocua
thofr OOta fred the r~r af tht pfQletty will ch can thelt be Moiuted thJQUdh tho ~ l cut to the Pat Ifie Olelaquol the hmu lrltMd bull l)fgtrf~teter olIIO hlve ~llent vie~~S of t1e bly 1d eft) llihta For ruldmh COl 1nte~lot Lab 1t It ltny a lllort walk to llfll of tlw V4te bcl-et tr the tidents and tMbullM prtl to w~ llcmu cr1 fnterlor tot t)l)1colly r-arg= In 1181114 11011 $150reg to ~tn)r
e~ the por11Mter ~th llllter frcntiiJI tgtP1ealty r~r99 fiQ1 SVXOOCO )Igt StOOCOOI- Thbull t~ In the IJJH b tC71Mrd~ the rexJHdlrg Otititien to rrdor ccnptota HnOcletlng of all otdeJ heriot tile hond ampooQ tM gtltltfMUI odjKeot to thamp bllltld Th1a trend
~~ltthelt-- tile rtobilfty of Mrka~ lamplue$ in the aNa
Dwyer Appraisal
Filo No
_B2~ttSilpn1 COOle In
Pbullbulluru l~st 8l20 Lido L)) Cllpound~~cfl C~llL2~bullLa Uabull c 2Q~ltIdbull ~
~middot----lendbullr CHAS ttAHKTrAN FIIIANCIAL tW
ADDENDUM TO APPRAISAL
XTERIOR FEATURES rtOIIltlc (ltIn tbtrs) $prinkler ampy$Ctn tn jrllrlt amprr yafltlp
wltold amp gottd llfltry to tht front dltlor provd~ privacy at 1141 u a frcnt patio for lddhiltt111l fbullnctio-at utility oblld p lltltert in t~ frltnt amp r r yard 1sta1 dr111CIIIIY Ia nade of aalld flags~
~~ front porch is~ of solid fl~tONO
111r yard enoleooed ootith a~middot hi~ btoek ~lt Thh proYidlte9 aitiONJ~ ueurty li~t obstru~tlng tile bay vie~~
CJJbulltltlll luilt bullPI in tte frat QQ(Itt)llrd bull 11 patio bullnbull elso hu 1 bulltmiddotfn 18Vfi~ft
lttio a~s t~s tM r of 1lltJ- b llco(e of solid fl]ttltllo
rt of the riNr patio 1~ It CfMbullrltJd by ttl~ seoni lelto~ol dedc
~TERIOR FEATURES JIIIStDIIII ftcarlng In MtJY hltJllnlf I t~~ m thegt 1bullt Uvl 1 sCCIId lbullvbulll Is all 2~~qJare 1111rblt YilOltXf qJJotty eubulltat e~gtrprtitiQ th~ the root of th om Item h~~~ qUII ity Stow-oo ayttn tlulCIltt the ~
J Cfllllity hcurlt) syatern th~t Joillltfl ta dNgt~t disl to a sacu~lty JK~nltorl~ Jbullrv1 ce nt~t len shutters thr~ tcglt~thar wf th 6tioer CtJbulltOltI ulndr1t eowri~bullmiddot
etaold llV~IJl9 dl~t -t prflllr) rcons ord t~Llolllys
to 12 ooilirQS tb~ ltlOSt Of tho hi3e bullll~tbull ere ptaced bulltrateic~lty thrctllflalt taD IClWII mot41t~t tlvalgtool tht houso rn tfoe addltOfll bedJQOM JtiiIOfef Uo((frdle dltxgtrt rt is 1lao a Mp~Jrato wine ltollar gt1ich h tlle~tatiClltly t~rswro I ~lfrate taltrollcd h a lourdry chute fiOIf tl~ llpl)r tel(a) to the lalndry ~ ~~~ at t_ lCooer lemiddot~L
TCHEN ot~rtopamp In fctttMn are tolid ~rooite
itOOltI flco~iJ In kitclen i nd area
Jlll~ cOltok~ aU othe~ top ctlIQIty lilltes amp fl~t~res und In tnt ktt~ as OMlL as the bullbullbullt of tho hoobullbull amp il a ampefgt6rete fet at thbull kitchen sl~k for inseartt hot lllltiH
- is a mr~ 114kmiddottn jlllftry lttich h bull very ~lrabla fbullbullturt usUIlly fafd In larlts rn tMt t~
bulle h IJ lalge built-In ref~ig9flltalt-tob-zero 1reeter lith the front ps~elamp Mtchlrg Uo cablrgtlttJY I~ the kltclltn
lULV ROOM fQnfly rogtOfllllls its on firqJlace
STER BEDROOM amp BATH llll$ter gtlaquo110011 fs Vol) ~paclobull tltch fa a typieal fcatTJre for thi~ ~ amp ptloe ~of ro ~ h a sittlrq area or retret~ at ltgt1~ End of th~ lliISter beiroott taster bedRltln has ita firepllaquocentB lotlfch h triliiTed 1(111 norlle l~ tlt~ ftooriJ9 thJt1-IGhJt JMst~r bath rzi tlb in IllS ter bath 1 ampt-alor wt th clxibte shltloer hctado
h a t6r~ llalk-in cloet in bull~tr trooo 11tt~ buHtmiddotin orgbullniz amp ol-olve$ Le amrcqJI In rraquottor bllthCan
lNG ROOMDINING ROOM -o 12 ceHI~ in Uvl19 ~ tving roar h11 it 1$ Qllll ffrplate llttici a tr-fmoeltf uith rarblo ont co t~o dinllg roro thQr h a bar rem JJth e w$lkmiddotbehtrrl llH bgtr th~ 1aro1ly ftJoCt1 with a luilt-fn ref~t~rator amp fc Jor n stulptulOd c1rpetlrq in the livfhJ roato ard lldJont trca3
IA(E bull~biO n qood qtelity ~Llmiddotup rr- doors wHh liample dcor qJltn~rs bullilirqbull amp ~alls in the qgtragbull are finiohelti ot ~bullt~r ~tor hltla a rbullmiddotelrwlbulltlf ~ lottich plOIbulli~centamp notMt hgtt lf~ter to praoticany ort(tero t~ the hOJs~ 11t to tbe 90rigc la 8 ~tre cellar middot-et ba- liN 112 bllth
~-===~----
Dwyer Appraisal
-iUPt-~~JL__ lroarty 6lt1bull~11 (lRtJ lob le
~~altl Cauntv~~ sra~ C4 II a~e lalll Lande1 OIA$E rtNII4TfAN FIIWICW eolt1
ADOitNDUM TO APPRAISAL
lnal Reconciliation
bullr Nl$ llo 1blo Reccrd5 $~bjeot has nat ~euro11 ~fated or told tn the pKt 12 rrcntlts ampnd h nat pr~$llntly listed
te nat cttampttt bull~u activity tn touthHrt california II e11p1rfenoif9 Lilli ted aetlvh~ dUo to a tlt~gglah OltOOft lotile ptql~rty vallo$ pear to llttve lttoclfne tn eore 11rtas other etelt~t are ~~le $ tlaquoM areas hll aGtuelly lncnut fn vat~ A pertloular llef~barlold fVIf Prfmce lhat ~r$ to be Iii t~~ary cleltline fn ~talue ldoltrt nveral ~r-s 1eve an wgent nHd ta aell lara aU ~t1rq for thl middot111hed nlnigtor of bitter~ llll~gtfbble Thfa h -ftered to be bull telpOnoryo aftuatfcn lohfch will oorreet Itself 4hen tM tOIIIXIral) Ooert~ly ~ b ebtorbod amp detend fncr111nJn bull111~ Ioiii~ hllgtl~ txperferncd laljle orplO)lMt ~ffa or oloVte of lalfe renufacturi~ plllt1t e rtcwery petofod formiddotp~ty v1tlut $ thl stobHlzatlcn of ~lfmng Yll~ claquo~lltl be atttantloUyiClIQltr amp lOft sown thon tEIIIlOrsry
this CQldltfltll is ratld or ena arprmf~r h ~$rt of It I~ l$ ~tod en bo amplfSl8rat~ adclrldln Nrefn middot
thh 11sprabal anfgrncntcal4ful ~~IGltI ot all curlltrt Mrket dllta wu conafltlerod ~llfch inclLdcd analy~1a ot cu~rmt ll$tlngs penii~ les aa wll ~ tJqtrld and -l~ lhtt~ P~lng aales 1rot~ltlthn 1 gfvm ratkat ar~ can rerg in vamplue wbst~ietly ~lng lfv~rQ area rccn cortt anenlties ncltrlng view or lllcc ot Vflll and 1q~~ta ~ ~tfa1 lf there litre pending MlM ~tlfdl N aio~~llal to subject In ovtral~ rarket Ollll4St1 cne Of~ of thtsa ~fng sslobull Mite beelt fncl~ fn thh tltport rt there 1111r1 no liHir per-ding ales ptnd111J alet lhich ~ltere not silttlar Ore not Usqd lhe u o1 ranbulltlnf lor Mles ~oWld Tlt~qJire thm vn of excQsfva 1 etbjetiw adjus~s leodfog illes 11119 adequE~tely teflect curr41lt ltlrklot derltJltf ~Mingo les of ptepcrtles stnflar to stbject at fees l~r thlo rtelt closed sal are gfwn tho roampt lieigntPendfng 14~ laquo f~gtlltr ~rtles hil1ltr prt-1lt1 than r~t eland sales 1 g1v151 o~~fniMl wf~t sin- tie~bull fa bull poulbllftl tlllt thay ftlt nat clo~e aaerou for a VarfOU IIUber of reafiOM
led ales withfll thl jlolst 30~ drtt aramp IIOlt raLteble alllcento tMy hlrw ctOltHQ amp Urrt are -t recent II tllo ebtenca qf reltenC eloeed gtendfngo satu 111 ~mtyenab f CM~ llstlnga ws also ~~ted ~in thitrt 1M be a llidbull ta~ t valuoa -llllble tor Uatl~a far 1 lfll~ tf abooa llstrga prlcad out ltgtt llfoat ~rata be reailcrollbltt range of wlut Wllftt not ccnalderol ~ und In tht rtthey hlaquovtt btco adJusted to t-4 prebogtlt ~~Gmntlllit a1 Mlt ta liat pric es reparteltt by tile Local 1Jltiplamp ~ittliG Service Further iuatmnts aN then ~eased en teatur~a coodftlcn etcent Hfnltral ~tight h given to t fatfnga ampitgtU they tore clrly d~trate til ~ lfroft of value for PtQPa~ths tfllilar to Sllbjet~t ftOir stbjeets narlcat Gru ~ are hMfr tile ro~t CYrrllt deta a~~ampftabl~ If cne t110 lfetlrgs 1evt nat ~ inotude In thl$ rtp~rt fn lieu of peldiJ sale t I$ becaue~ tfl~u ~bull nane ampYallabl~ coosldotrod to ba 1flar to stbullbject 1Qn-slllllor properttampS IIQIIld agin rltUir~ tM u- ot egtltltauw ZII1CIor Oj~t altljuatts tl1cn ckfeet th~ p~rpase Or bull eo~rabte t~lamp middot
middotmiddot====== =======~=--~----middot---bullmiddotmiddot-----middotmiddotmiddotmiddotmiddot~middotN---middotmiddotmiddot
FotbullN 32590~ DEFINITION OF MARKET VALUPIhe mott probaWo pric~ which amiddotpraporty ohOltifd brlnqin e bullampolfdve bull~d opbullnmorlltel undor ~~ conditions requltitbull to 11 loir oolo tho buyer ancl eampllor eech bullbull1ino prudently knltHYiodgubly and usurntng tht prloo Ebull not eHOlttAd bv undUltI inwus lmJ)iiclt In thlr dofini1lon the ltltgtMUmtn~tion ol bull af IPIltlifled deto Dnd thl poaslng or tidt ltom bullaJiar co buyer under oon4itlont wh~ttobY (1) buyor and wolltr ero Lyploanv motlvalltld 421 both panJsl art wnll infom~ed or 1dYid bullnd uch acting In who ha eonsidorbull M1t awn bs~t lntereot Ill bull roaaorlbullblo timamp is nllowod lor poevroln tho Ol)llt mabullbtl (41 lIY ibull medo in torms of ~bullbullh lrl u $ dollarbull 01 In tturno or flnonolel ~1111810nts oornp~rlbfo thereto artd (5) thogt ptlco lipiUIIItl rho normal caideratiltJn lor tha prop$ry aotd unefftc~od lly spociBI ot eroatlve nnancfng or ur ooWluslona bull granCed lly envone asbull soclarlld with the bullnit
bull Ad)ubulllmampolto to the acmp~roamplot mu~t be mede f~l 8ptclelat cres1iV9 finannlng or tlt~loa ooAonsiltgt~ No sdjuWYents bullrbull nao~orv
for tlto oo9t9 which ato 11ormally peid bv ttllilre 11 bull roeult ar trtdltlon or lew ln bull mrkot arbullbulll Ultse coots arerudlly ld911UII11No tlflus tht 1sller peya tMtt oootl In Yirtually ell eltlet tr~ntaotiant SPJclel ot orutlv liMnolng adU~tmontt can bt rnocle to the oommiddot plrable proportv ily aomptlisont to financing termbull offered by a third psrty instituric~lllandor thai io not afmtdv lnvclvad In tht propshyortv or trantecrlon Any Olltfjua~tnent aPtould not bm talaulartd on 1 meltgthbullnloel dollor for dollsr cabullt of tho ilnsnclng or oltmcot~lon but th~ dollar amtount of anv ad)ubulltmont ehtould apprlgtlCimato tht Markatbull rltbullaotlon to thl tlnonclnltr or ccncetlone baood on th~ onJ~Ufjorbull judgmeot
CltRTlFICATION AND STATEMENT OF LIMITING CONDITrONS CERTIFICATlON Thl Apprlliter ~artlllampbull ana reea thogtt
1 The Appr~llttr lult M prou11t or contemplollbulld futlire intorebulll in tJoe prcpbulllllbullpprlitampltl ~ncMithar lhs omJ)JO(mont to mako lite oppraluf nor he oom~~uutlon lor It Ia oantlngenf upon tho ejlpi~lbullad value of ho prGperrmiddotr
~ Thbull Apprmbullor hebull no paortallnter~al In or bias wfth repaot to th~ eubjogtet mtlter ol tho apptolool repo~ or tho pnr11clpanto 10 th oalo Tho eetlmlltt or Mor~at Vo11e In the lljlpraiul roport Iamp not ba~ In whola or In palt llpon the reco color or natlcn-lcHgin of thbull prcapoclfiM owMrs or ooouponl8 ol thapropJrlf eppralsod or u)on the taon ocor or notional origin of tho praunt ownoro or oocupantbull ol lito propartioe In t~ vfclnll( of rh~ IHGporty apprafbullad
3 Tho Appralttr hoe l)oroan~lly lntpeotad Utltl propwrty bolh lnaldbull ttnd a~r arltl ~ madbull an ooxurlot in1ptc1tan af ell cwnperehla bull~les ~~tod In lhfl npott To thbull but ctf tht Apprelearbull knowtodol~ sfd Hillel alt stttemenlbull and lnfarmotloh fn th~ roport 114 truo and bullbullmtal ~rtt tJe Apprel~ar h8t noc knovrngy wltllhtld ohV algnlneal1t lnfltJtrnatlon
4 All conlll~tnt end limiting ~ond1tlortt arbull GontalogtoJd hotoln limosbulld hy the termbull ol tha eoolgnmanl or by the LondtroiQnod olteotlngtlia anofJliOt Gplnloflt oond oonaluaonbull conralnad rn tha Fei)Ogtrlt
5 TNbull opproiulltpart has boon made In ~bullmforiTlty with ond Is oubreo( to tht ttqulr11lt1ampnto of tho Codamp of Pr~fassfanal Ethics end Stoinltlltls of Prolaolianal Conduort or thG bullpprnlssl GIQampnlznlant vmiddotlth whloh ~ha Al)rnlut Is afflneiad
8 All ooncluiliono end oplnlont concorrlno tlbulloo tatl aotbulltbull thst ort tet rarlflln tho apprUnl report ware prepari hv 1M Appralur whoto olgnoturo ooppoa on thltl ~tpproJI raport unlbullbullbull IMloatood a 11avltw Appralosr No ohenga of any Item 11 tho eppriiU~I t~port bullhall be mod~ by anyono othtt tluln ho Apptofnr ftnd lhamp Apprsleer ahall havo na rotponJbillly fer anv uah lttnouthodzed
ohbull~middot
CONTlNGllNT AND LIMITING CONDIIIOffil lt4rtlfialfllon of the Appraiser ~pp~lt~rtn11 In tM orppralsar roport Is subjaot to tna folfowlng oondttlons end to euoh other opecolrlo bullnciiiNJUng oondiHons u era aet forth bv Uo Ap(ltJieor in t~o rtport
1 The 1ppriHaer ~null4m M rslgtonslblijty for matte- of a legal neru affaotlng tha propampfV apptols~d or chbull titlt thbullrot~ not dcos tho Appralnr r~nltUt ~ny opinion bullbull to the tltlo whfh Is ftbull~m~d to bt good and matketnbt6 Tloa property appr41Ud es thouq h under tsspoleJbhbull ownerohfp
2 Anv tlltatoft In tlto r~tport may bullllow spproodmor~ dlmof$lona end fs lnolltlad Ia anlst th~ nad~r In oisuolfltlnQ th~ prop4ny 1M Apprsi~or hu made no svrvoy af tho proporly
a Thbull Appralosr io not qulrsd to ~lvamp tobulltiotiOl 01 appear in aouri bo~bullJIH of having m8damp thl appro1aal with ref~ ranco to Ute praportv in quetUcn unlaso arretlgemoobull ~avbull bbullon prlhi~raly mad OJ tftltmbullfor
4 Any dlbullttlbution of thltr valuation In lite rampport betwoen land nnd lmprovamtnts appfisf only urgtfar the malng prog~m af utiJI~otion The s-oparatbull valua11onbull tor lltnd ond b~lldlng tnuft not b~ Uliltld frt conjOncrioM with ShV aliter eppralslli and era invgtlld If to Uftd
5 Tha Appralut i~Jsumeo that thora ate no hlddon or un~ppsunt condlclono of thbull pt~p~ny eubactl ot strucntramp~ which waufd rendor It moro or lass vai1Jabi4 Tho Apprefs~r asournbullu 110 roponelblll1y tor tltr~h ctnditicent~bull or fM anglnaampring which rri~kt be required to discover auch fftctDn
8 Information ampS1iltnatet end o-piniont lurnlshed ra llta Apprai9et bullnd contained in tiN toport w~re obtornod hom ourebs oonsldmiddot orod reliolgtlo trd lgtnrtavad to bt truo and oorrect Howevar no rooponslbllitv fcrecrlllampey of eucl lome furnfohad tho Appraiser can bo BUUmod bv the Awrllsorr
1 Olactosuro of lite oontampnr oltho approJool ramppcrt fa gorned by 1ho9 Bvfbullwa ampnd fle~ul~1ions of rho protasnlonel ~pprohel orgbullnlshyl~tlona with which tno Ai=Pltbull~Gr is ~ffilialltd middot
4 Nafthor bullh nor bullny pert o( the CltltfG11 of tho tt~art Ot ~apy thet~of lincludino conolorolont oo to tho prop~~y vnfubull the identity of tnlt~ Approoor prohbulloiansl dlt~bulliglttlons r$loronc~ to ony jlrofQoslegtnill epplllal organiadono tho firm with which lho Approlnt ia connncttd) slutlt be u~od lot nny purpo~ lgty nnyoM but tho errant ~pooltl~d In tha repor tho bol~wor If approitol lu pnld by ~ovne tho mor1qo~aa or h$ Rtocurs erol nort)no morrgo~o lluurort conouitant profuofonsl dppraisef argnnllailtlmt any l~te or fllltlofllly optotovod finenol lne~tutian lny d~rgtbullrtmont agoncv or inttrumontaHy of doe Unt81 State9 or ~ny bullbull 01 lht Oishlot of Colutnbi~ without tfoe proviouo1 wrltttll oon~snt of tlo Approioar nobull bullhoU It bbull convbullvbulld by anyon~ to thbull Pltthll~ thiltlugh 8d~artiaibullltJ public rampIIIICiona news~ stflf or ocflor mbulldia wftfl)lft the writt111n CCnlont tl1id opprobull1d of Ula Appt~Sl~u~r
9 On 5iJ CJPDrehilll$ $Ubject to ~ldetactory cotnplrttlon rnparl or alt~ra1iDI9) thn epornlsnl -JCIrt ~~gtllf - ~r--~lt1slon Utl conHnmiddot gllnt upon coflyen1amption ol lho lflrevel)entl Ia a wnrkmanlik$ m-omr1Gr
BORROWER Dobkin
PROPERTY 6fl2() Lfdo Lnne rottr lleach ca 90803
Appraloorlbulll
YAioNbull~ FbullrrJt- MoM ~-m41~JULU-1 Fltlfm 1co~ n JJ~ 8~11
Dwyer Appraisal
Ftre No )illQ2_
~UP~~~~--------~-----------------~------------------------------------~p~~~ll~~~~e------middot----middot~------------------------------------~~---middotmiddot-----
f--Citv I~ Seilt~ CCUQ1 ~~middotlu---------~---~2i p_Codo_90ll3ltgt=-----~-__ Londer alASpound ~HioiTAii fUHltI~L tll27
AlPJlAISBi ClmTIFICAIIONS amp COMPLIANCE lllTH FIRRA REQUIREMFNlS
bull The puiJl1lle of thif f)Pgttlul b to estlllato hlr Harket Value as cleflnol In tho attamplthiod FHLK( fern 4J9of tt- bullbltrle deo~ribed real ~rty lhia appllliwt 1s f9r thamp SGt and txcl~ntv u1e of the ~e described ~~Cl l~tbull
lhta eAOreiL nay bo ~bulltd for federally ftlated rort~ lcall prrpous $bject to title XI o1 tho FIMnbullfbulll Insettuttcns Rtfon r~E~Wr) EllfGltcanetot Act of 1989 (IIAA61) The 1Mers1~ oppralter(a) aekrQtledg= ~flet thoy have rMd end Ydarstand tle Utfor arlfard$ of Proloslotw~l ~alool Prectf 1USIP 1 at they ~tocl end y bt atltndod 110lt1 tlre to tiM by thamp twrbullhal StIWdartfs gtard of the 4fgttaisal fonlatton ~rrl u trplenbted by IIOd 1nco~rsted fnto the oce (Off1oe of the CAlrtptrctltr of thamp Currency) ~Uqulatmiddot gtIU 1hla llgtrisampl QOIII)l with ilCC RegJlationt PSgtlt1 tfgte tlnl10~JI $tarderltls of Prof-teN~ P~cttca (IJSPtP)
the legal dorlptl011 9f tile prltlf)erty u ~on t~~ fi((t ~ of tMt t~R~rataal regtainod frm tha cnnty teK uunws riOOIds
middot ot-r ~rltgtd 11hlch ort eotiQred to ~ relloble- but Mt liJ(Irlltltoed Tho tot atgtd trs~t n~ lldar the aueuara par~L nlbller ~ra nsiIGIti lld~taly dtscriptlve ~ ~~ ot bull prtlbrirv~ry ti~lt report WIIoS rlaquoJUsted fron tb~ l~r bvt rltrt reeelv~ at the tiM llf loMe of this ~hsL
Th ~rlllampil$ eJtill8te af Nuaratgtle 1111rkttlng tine for ampAlje~ p~rty eelriltl~ ~hh the rlcetlng tiM shgtlm Cfl tht frolttt pogo It also rntated In the roment section en the nOOIICI ~ of tile lj)lltafaal
If tho tlbletta sa b val~ Is difforant thoR tite Estltcf valtJe t1~ val~ 11Hl bt stated in th ~te~oocfl btftlrl seetlcn of en rahal lepartlf thet are tne u~~e Qnly tigtQ aa 1 wlu~ 11 atatodA buH4fllQ Uldbullr ()()MtructOn ar In gtelaquolt of rqraquolra cr slttratfcns ll rerplre tilbull 1Ettita of llltrrktt vatbull lth tho ~~at~ 1albftct te box beilll chckocl Stlt thbull bac~ ptge of the ~pFn~iaal repon bull tha infanrat1et~
he scrpe of tMt flrahal frtoOlvod data oollettlon frcn vtltOIJa =r~t ta-fdered to be roliotblltJ 001 ~~ gvarantetd tn~ltdirg bst Li11itld to llblQ r~rd infec-t~Ltfa obta(hed flllfl hi lol COInty re=derbull Offiee Tll~ ll4tbQJfd1 t~oc Dmar local ttJttfple tlng a~vice1 buyen setteramp alli real ~t4te brQI(tra tooflrnotion Uo$ mt by ~ros~-cfleckirg fnfcr111tion ~ith tilt rorcu ntiCIlld middotthe llt~tultamp ere then repoltld fn the QWItlprfiltamp lrxirtftr~ on the bullr1lrel~l rtpOtt o~ ldd~lho pr1Mry data liOWCH bullrot provided the grid sectfoo lltfllt ap4U parnlb A phy$1cll 1npect1cn of tht fnt~tlor Itd exterior of the tlbject lrwerty 111 corjucte at ldltcl e thbull Epllraiter urilt t~o projlOrty l c~~loolated tlte orproJf-te l(fJare foe~ of l lvfrg amptea lhe ~raiamper tiiEtl ltIIcentltbull by tho fret
middot~h of tho laquot~~p~~rlblbulls ~nd tekh~ lIOtlta as to tMfr a~rrlftt ~leltol claquoldhioo for wul~tioo of their aolitiCII 11t ti~~e of salt
lhlre lilt~ rtl 11gt0141 pcraorat ~rty ttllfiS f1Mtut or tnt~rgb~t 1t~4 1101 notrolly ccnoidere bull part at tho rl MUte 1ncltdiod in i)raisod vatue of tht Pject ~rty My porKIIIl pr~rty iJ ~rteltl ltgtn l ttparete a6teldJ
the trltferbulllg~ed awratr(a) preaergtt end eertlfy thlrt~ (4) tt1e BProfoal auig1-t ~bull nat bas-M lt401 reqJtHIII nfnilltJil Vlluatflaquol eel fie valoetlro or tre owrltml Of toanBl etpiO)Wit of the appraiser wu rltrt oorditlmed OJgttO the awrabel produeii1Q a ~poet fie Jot or 10 1111lut vithfn a givon r9hgiJ CClfuru~ ~~t h rtGt d~~t qlCll en apprlhal prQdJclng a speelfie vatubull (D) amprp~t gten~atlltn ard fvtue eoplCY)lOnt Ire r-ot lasod ~ llllt~ leon lpPlicttioo h tppro~ed ltElnetlgtor the awrats rar any pelt(tl ~itlt
JOrerahlp intbullr~bullt In the ~ tqllaying the Gwrainr b rtla~~ to or hoa allj Wttrship or cthltr tlnncal lnterost 1rt eitller lxlildeobulldcvbulliper aeLler buoftr ror~e bttl~or Ct rtlt~l estate lltQk~r~~rsa (or a~y ~nM relatod to any of dlltr) irrol~ed in tNir~ti~ f) ihfoh this appntisal luu ~ raq1estod or utth th the l()t recalt nle or ratlnancfrg or irtY ll(OltIIty usid u a lttr11bte praportylogt thh epp-alsal ard (I) th lp9raiser h not ~~~o~are of tllf f~cta lhiltfl uould dtaqu~ify the frtn bcdng deelt to btt rwfeponrlltlft epprehel far ~rjlltI~H of $ltJQtion ~4S of th~ oee A9lotloo AOgulatiCgtlo
The IAdersignoltS apprainrCgt) h~relr ~ogtknltgttl~ ancl ~rtify that t~ltsy ar fbullJll) qBltliod ard Ogtltpqtetlt ly their training boltlge amp rience to f)rforll thh appr~hbulll II ~fter acltejgttallle of the ~tlgtrahol IHS lggtMt ald dullng the OJru of cordtlct f rg the ~wr~isal FPrampisr diac011ero tllilt tnoy ore rot fully ~t~ to jgtdrfor th owraiulthe ~ta~r will OOrjgtly vlth tht Coopetency ~ravtslcn SPAr
=-~--middot--~~_-=---------------__~----------===middot~
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6020 lido lane long beach ca - Google Maps Page I of I
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Dwyer Appraisal
f w Ft~ll Mill- Ptnbull Mat lhl r f0Wt ICf ~bullhtHUent tnd OMe lpcNch fOff111111 In 1hJtbullbullot -middot-~-l (l)tt tlt~ are ft01t lllltSMll amp fllift bullbull ~l es fnf01111ltfm -~~---~-----~middotmiddotmiddot --~ shyby l~gtltal llltHdersconva~taltbull lgt~tn ~DEO Mlq~E~----
I f-qoy E-bullmiddotntlbullbull ~a8111$mies bull - bullbullbulld ~----~---llloo~n L1ll_sl81~ bull 1vlfl amptLmiddotr~t~ et lftw bullbull bullbullbullbullbull bull bull _ _pound1Clt=--i
~at A~bull-M lllr INO$dlt Wife bulllt~ Fuulbull Mtol
DMa bullr~tf~nfOtft M tr()lleo~~-1bull HVDNA PI~( ICampt1dbulldt1 0 Vbull 0 Ho Nbullnbull tl Wtrttnly llrampQIL
HNoapltlrtl lllEIU~-----~--~---------1 Wnnll C016tqe EIM
~DICiTeO VAlUF BY SAIES COMPAAJSON APPROACH bullbull bullbull bullbull bull bulloiCAUlJ VJIILU IIY 1~twt APiiOAIA r1 Ap~eitlt~ t1dMilN trl-fIUI ~ $ ___)j[lJ~--- ~ K Otbullbullbull rt1nt ~IIPihr N bull bull ----~---J NIIIPfrJiut it mamp no abull 0 bullutf~t ID tr tepti-1 IIIOtbulltic-INIf(litll 01 ro~lliorwllIM lnl~rW 0 EGM~bull~ IU plttlll ant
b IQCtthai It bKampIIfl~ IM bull~t r~qitorntt~tbull~ IN-vtllloKft-laMIAJ+11 tMJ~tf~eod~41111 tMMbullriramplt ltf-t 6trrnh~ ttwt Jbullawtampt~ In
] frrtA UUO amplor VA lrat~ilo~ J lrc~rt Mbull~hmiddotM UO ltfn iJ9tlfiftntiMKFrm 008 at-1~J Old11~~~~ 16__
1EI PI ~Tpound 111pound MIXH VALVC A9 Drlmpound0 OF tff SUillCT PADIt~lY A9 or ___sW~----middot~ ~~~ bullbulligto I
IMII -M4eletBJ hrn t(bull ttw ttICI CbullWltCI tNt I (we) Mlt~lllllyhtptctef ~tt uPtcl PI7Mrtr ba1h lltlde td4bull1T
thJ r-t~r lttNt lt-Mt I ~ ltttt la Vol$4knd ntt~r rf41$rlt cbull ~~~~IJt-~11yenbull hetn
PtY-pryen161~----------middot--- Omd Ooi1N~l 6r Jtgtll~bulltwl NA-JE ~~ PrsoM~
Dwyer Appraisal SALES COMPARISON ANALYSIS
IIC9
Dwyer Appraisal SAlES COMPARISON ANALYSIS
Dwyer Appraisal
----~----------------~iltNDJmiddot -~~~Do~bw~~in~--~--------- --------------middot-----------------------shy
~~~Q~L~i~d~ok~La~nwe~---------------------------------~~----~~ 5lt11lJmlg~ Cg~nlty Lof 6ngele_amp__~_____s2Jtn11 Ca 2jp Codo 9Q80l
Ltncfo CilASE MANHATTAN FINANCIAL C02
AOOITIONAL MARW DATA OOMMENTS
omparab~es H4 5 and 6 were s~leeted f~ the Lido Isle area of Ne~rt Beach Although Lldo Isle s substantiaLly further south ot subject the island of Lldo baa stmllar eharacterlselea is not ttad and eorudderad sllllilar in overall market appeal
Jmparable U4 and Co~rabla 6 are both very s~ltar to subject in livlrtg area and the large lot lre Their location on the island and their bay)hnbor vbv is vary tmilsr to 3Ubjeots Large ~just~enta W6re not nacessa~y and thaae to cnmparablea are given considerable weight
~~able 05 has tnferior lot utility as well as living area ~ich raquired adjustment but tha Law was couaiderad s1mlar All three opound theaa co~arablu reflect similar construction quality 1d we~allmiddot marlcet lppeal
lmparables 7 8 and 9 are the beat of eu~ant liatinta avallable on the Naplaa islan~ within ose prOltilllity to subject Although they reflect construction quality and conditiOn more similar 1 aubject their inferior lot si~es snd utilit7 at vsll as living area required substantial ljuatments Current llstings are fumfslud to demonat~ate the upper 1~t opound value for the tbjee~bulla nampiahborhood Adjustments 1n the grid section reflect the approximate sates to lat middottee pereentaga probull1lded by the local Multip~e Listing Sarvice
DNyer Appraisal
___fgJ~~lri Proa rtv Addrau ~ ld9 tBM -~middot County lolll~tt ___J~ Zie Clllt ~
LKndet ClUE ~~ltATTolll fiiWICtAL (JIQ
AIgtDINDUM TO APPRAISAL
Ojt 1 loeaud witlbullitl t~e city lln1t~ of ~ Bead) Callt~fa IOrll Seech h toutod llgtrodnaUly 239 nie$ ~h o1 lA~ Jgamplu the ~llty seu o1 10 lneles CCUty The pl9atnt J~QpJlat fQl o1 lAtl Bead h lllPIgtthattly COO vi thin It 4971 tlll~ lle~ lhe ci~y Is bGrdered laquo1 the U)rth by lampblootl the $dfltf1 by u Pacific Ooeltl tl14 Vet by Olr5Qrl Std Latlta lld the East by Sql bullad end los Al~ltoa (OriJQe toTJtygt tt ia eUo bordered en ~flo lleat by tfle lcni Beldt CT10) FrtltMtf tlo llorth by the Sen Dieogt middot-y lmiddot~) allll the Salt by tiM san ~lot Rlwr F-y (I-60$) OottVtlertt 1~y middot~-s II I hlcflly lrelgtlo ftaturo tor bullbullfdlnts otto ~rte t the a~bull
thougl1 the city Is plfnar1ly 11 ruldtntal tQOUfty a stbsturtlat prtl01 a1 lWld 11114 Hsllfved tor trdJstrlal ~iat lit( Dfflcbull rtldlltiJS u~o lfajlaquoo siqlflllll COIIpltxa are acated th~t tte ity Cbulllitorni State llnlwrslty Wid IDrg Belich City t6lloge ere bulleated ln toog ampMch amp~ill to loroer Prb ale SQItttrod tnrl)jgcJt the city far tile re~oation usa of the resldoota
e fident1~l ~Xltmnides bullrbull cha~ttertlect lfith a 111Xtlltll of restdlltialvi~s tqing fll arell oldt loxl frlllle airqlamp fenily ~as ta l11rger1 rltNOt1 ~ra ~rn trset t~ txbulltng wlli~h bullr~ ~~lble ciJo to tke 11o1t11tt aitt fnfucn~
lje-ct t Lacatod In tJo SCYtbeat coMer of ltng Be~cit in ao arM alown u Naplu llpl03 h an iamplencl In tl1e eorttr of e 10g Botsch rfna and 1a IICicnuble fr011 he Ean bullnd tloe lint by Sa=d Stlttlt
bull rntigbolflood OOil4itU of avetbilebullgood ~bullelHy 01111-thrltlltl story detadled houus rliIQitgtg 1n elze frltn 1100 to SOCO ~~ ftet -r aecltou h appiQKItoly thrlt111 niles tut nt Nifborlood ml~ good lntwnt llt~ela Scxgth WwiJ ald rtlatd Vi~es orbull ~tntly QcaUd to the p~rty tie botlrdarl of t1le nefgfilomood ~~ct~ld ~ tM hlsnd faelf
~ faUna ts a hidllY dtagtle Gnd pre3tfolcus pllcente to Ulltt ltm Its grtat locatm j pttgtltity to tte ~at=r Tte lota arrood tilamp 1bullifOlter ot th4 itnf havt tJc3t dock to tile Net liUh tM obtfty to 1c~tt 50bull60 +ya-tu Dnttra of th4se ~~ have dlre~~ eocua
thofr OOta fred the r~r af tht pfQletty will ch can thelt be Moiuted thJQUdh tho ~ l cut to the Pat Ifie Olelaquol the hmu lrltMd bull l)fgtrf~teter olIIO hlve ~llent vie~~S of t1e bly 1d eft) llihta For ruldmh COl 1nte~lot Lab 1t It ltny a lllort walk to llfll of tlw V4te bcl-et tr the tidents and tMbullM prtl to w~ llcmu cr1 fnterlor tot t)l)1colly r-arg= In 1181114 11011 $150reg to ~tn)r
e~ the por11Mter ~th llllter frcntiiJI tgtP1ealty r~r99 fiQ1 SVXOOCO )Igt StOOCOOI- Thbull t~ In the IJJH b tC71Mrd~ the rexJHdlrg Otititien to rrdor ccnptota HnOcletlng of all otdeJ heriot tile hond ampooQ tM gtltltfMUI odjKeot to thamp bllltld Th1a trend
~~ltthelt-- tile rtobilfty of Mrka~ lamplue$ in the aNa
Dwyer Appraisal
Filo No
_B2~ttSilpn1 COOle In
Pbullbulluru l~st 8l20 Lido L)) Cllpound~~cfl C~llL2~bullLa Uabull c 2Q~ltIdbull ~
~middot----lendbullr CHAS ttAHKTrAN FIIIANCIAL tW
ADDENDUM TO APPRAISAL
XTERIOR FEATURES rtOIIltlc (ltIn tbtrs) $prinkler ampy$Ctn tn jrllrlt amprr yafltlp
wltold amp gottd llfltry to tht front dltlor provd~ privacy at 1141 u a frcnt patio for lddhiltt111l fbullnctio-at utility oblld p lltltert in t~ frltnt amp r r yard 1sta1 dr111CIIIIY Ia nade of aalld flags~
~~ front porch is~ of solid fl~tONO
111r yard enoleooed ootith a~middot hi~ btoek ~lt Thh proYidlte9 aitiONJ~ ueurty li~t obstru~tlng tile bay vie~~
CJJbulltltlll luilt bullPI in tte frat QQ(Itt)llrd bull 11 patio bullnbull elso hu 1 bulltmiddotfn 18Vfi~ft
lttio a~s t~s tM r of 1lltJ- b llco(e of solid fl]ttltllo
rt of the riNr patio 1~ It CfMbullrltJd by ttl~ seoni lelto~ol dedc
~TERIOR FEATURES JIIIStDIIII ftcarlng In MtJY hltJllnlf I t~~ m thegt 1bullt Uvl 1 sCCIId lbullvbulll Is all 2~~qJare 1111rblt YilOltXf qJJotty eubulltat e~gtrprtitiQ th~ the root of th om Item h~~~ qUII ity Stow-oo ayttn tlulCIltt the ~
J Cfllllity hcurlt) syatern th~t Joillltfl ta dNgt~t disl to a sacu~lty JK~nltorl~ Jbullrv1 ce nt~t len shutters thr~ tcglt~thar wf th 6tioer CtJbulltOltI ulndr1t eowri~bullmiddot
etaold llV~IJl9 dl~t -t prflllr) rcons ord t~Llolllys
to 12 ooilirQS tb~ ltlOSt Of tho hi3e bullll~tbull ere ptaced bulltrateic~lty thrctllflalt taD IClWII mot41t~t tlvalgtool tht houso rn tfoe addltOfll bedJQOM JtiiIOfef Uo((frdle dltxgtrt rt is 1lao a Mp~Jrato wine ltollar gt1ich h tlle~tatiClltly t~rswro I ~lfrate taltrollcd h a lourdry chute fiOIf tl~ llpl)r tel(a) to the lalndry ~ ~~~ at t_ lCooer lemiddot~L
TCHEN ot~rtopamp In fctttMn are tolid ~rooite
itOOltI flco~iJ In kitclen i nd area
Jlll~ cOltok~ aU othe~ top ctlIQIty lilltes amp fl~t~res und In tnt ktt~ as OMlL as the bullbullbullt of tho hoobullbull amp il a ampefgt6rete fet at thbull kitchen sl~k for inseartt hot lllltiH
- is a mr~ 114kmiddottn jlllftry lttich h bull very ~lrabla fbullbullturt usUIlly fafd In larlts rn tMt t~
bulle h IJ lalge built-In ref~ig9flltalt-tob-zero 1reeter lith the front ps~elamp Mtchlrg Uo cablrgtlttJY I~ the kltclltn
lULV ROOM fQnfly rogtOfllllls its on firqJlace
STER BEDROOM amp BATH llll$ter gtlaquo110011 fs Vol) ~paclobull tltch fa a typieal fcatTJre for thi~ ~ amp ptloe ~of ro ~ h a sittlrq area or retret~ at ltgt1~ End of th~ lliISter beiroott taster bedRltln has ita firepllaquocentB lotlfch h triliiTed 1(111 norlle l~ tlt~ ftooriJ9 thJt1-IGhJt JMst~r bath rzi tlb in IllS ter bath 1 ampt-alor wt th clxibte shltloer hctado
h a t6r~ llalk-in cloet in bull~tr trooo 11tt~ buHtmiddotin orgbullniz amp ol-olve$ Le amrcqJI In rraquottor bllthCan
lNG ROOMDINING ROOM -o 12 ceHI~ in Uvl19 ~ tving roar h11 it 1$ Qllll ffrplate llttici a tr-fmoeltf uith rarblo ont co t~o dinllg roro thQr h a bar rem JJth e w$lkmiddotbehtrrl llH bgtr th~ 1aro1ly ftJoCt1 with a luilt-fn ref~t~rator amp fc Jor n stulptulOd c1rpetlrq in the livfhJ roato ard lldJont trca3
IA(E bull~biO n qood qtelity ~Llmiddotup rr- doors wHh liample dcor qJltn~rs bullilirqbull amp ~alls in the qgtragbull are finiohelti ot ~bullt~r ~tor hltla a rbullmiddotelrwlbulltlf ~ lottich plOIbulli~centamp notMt hgtt lf~ter to praoticany ort(tero t~ the hOJs~ 11t to tbe 90rigc la 8 ~tre cellar middot-et ba- liN 112 bllth
~-===~----
Dwyer Appraisal
-iUPt-~~JL__ lroarty 6lt1bull~11 (lRtJ lob le
~~altl Cauntv~~ sra~ C4 II a~e lalll Lande1 OIA$E rtNII4TfAN FIIWICW eolt1
ADOitNDUM TO APPRAISAL
lnal Reconciliation
bullr Nl$ llo 1blo Reccrd5 $~bjeot has nat ~euro11 ~fated or told tn the pKt 12 rrcntlts ampnd h nat pr~$llntly listed
te nat cttampttt bull~u activity tn touthHrt california II e11p1rfenoif9 Lilli ted aetlvh~ dUo to a tlt~gglah OltOOft lotile ptql~rty vallo$ pear to llttve lttoclfne tn eore 11rtas other etelt~t are ~~le $ tlaquoM areas hll aGtuelly lncnut fn vat~ A pertloular llef~barlold fVIf Prfmce lhat ~r$ to be Iii t~~ary cleltline fn ~talue ldoltrt nveral ~r-s 1eve an wgent nHd ta aell lara aU ~t1rq for thl middot111hed nlnigtor of bitter~ llll~gtfbble Thfa h -ftered to be bull telpOnoryo aftuatfcn lohfch will oorreet Itself 4hen tM tOIIIXIral) Ooert~ly ~ b ebtorbod amp detend fncr111nJn bull111~ Ioiii~ hllgtl~ txperferncd laljle orplO)lMt ~ffa or oloVte of lalfe renufacturi~ plllt1t e rtcwery petofod formiddotp~ty v1tlut $ thl stobHlzatlcn of ~lfmng Yll~ claquo~lltl be atttantloUyiClIQltr amp lOft sown thon tEIIIlOrsry
this CQldltfltll is ratld or ena arprmf~r h ~$rt of It I~ l$ ~tod en bo amplfSl8rat~ adclrldln Nrefn middot
thh 11sprabal anfgrncntcal4ful ~~IGltI ot all curlltrt Mrket dllta wu conafltlerod ~llfch inclLdcd analy~1a ot cu~rmt ll$tlngs penii~ les aa wll ~ tJqtrld and -l~ lhtt~ P~lng aales 1rot~ltlthn 1 gfvm ratkat ar~ can rerg in vamplue wbst~ietly ~lng lfv~rQ area rccn cortt anenlties ncltrlng view or lllcc ot Vflll and 1q~~ta ~ ~tfa1 lf there litre pending MlM ~tlfdl N aio~~llal to subject In ovtral~ rarket Ollll4St1 cne Of~ of thtsa ~fng sslobull Mite beelt fncl~ fn thh tltport rt there 1111r1 no liHir per-ding ales ptnd111J alet lhich ~ltere not silttlar Ore not Usqd lhe u o1 ranbulltlnf lor Mles ~oWld Tlt~qJire thm vn of excQsfva 1 etbjetiw adjus~s leodfog illes 11119 adequE~tely teflect curr41lt ltlrklot derltJltf ~Mingo les of ptepcrtles stnflar to stbject at fees l~r thlo rtelt closed sal are gfwn tho roampt lieigntPendfng 14~ laquo f~gtlltr ~rtles hil1ltr prt-1lt1 than r~t eland sales 1 g1v151 o~~fniMl wf~t sin- tie~bull fa bull poulbllftl tlllt thay ftlt nat clo~e aaerou for a VarfOU IIUber of reafiOM
led ales withfll thl jlolst 30~ drtt aramp IIOlt raLteble alllcento tMy hlrw ctOltHQ amp Urrt are -t recent II tllo ebtenca qf reltenC eloeed gtendfngo satu 111 ~mtyenab f CM~ llstlnga ws also ~~ted ~in thitrt 1M be a llidbull ta~ t valuoa -llllble tor Uatl~a far 1 lfll~ tf abooa llstrga prlcad out ltgtt llfoat ~rata be reailcrollbltt range of wlut Wllftt not ccnalderol ~ und In tht rtthey hlaquovtt btco adJusted to t-4 prebogtlt ~~Gmntlllit a1 Mlt ta liat pric es reparteltt by tile Local 1Jltiplamp ~ittliG Service Further iuatmnts aN then ~eased en teatur~a coodftlcn etcent Hfnltral ~tight h given to t fatfnga ampitgtU they tore clrly d~trate til ~ lfroft of value for PtQPa~ths tfllilar to Sllbjet~t ftOir stbjeets narlcat Gru ~ are hMfr tile ro~t CYrrllt deta a~~ampftabl~ If cne t110 lfetlrgs 1evt nat ~ inotude In thl$ rtp~rt fn lieu of peldiJ sale t I$ becaue~ tfl~u ~bull nane ampYallabl~ coosldotrod to ba 1flar to stbullbject 1Qn-slllllor properttampS IIQIIld agin rltUir~ tM u- ot egtltltauw ZII1CIor Oj~t altljuatts tl1cn ckfeet th~ p~rpase Or bull eo~rabte t~lamp middot
middotmiddot====== =======~=--~----middot---bullmiddotmiddot-----middotmiddotmiddotmiddotmiddot~middotN---middotmiddotmiddot
FotbullN 32590~ DEFINITION OF MARKET VALUPIhe mott probaWo pric~ which amiddotpraporty ohOltifd brlnqin e bullampolfdve bull~d opbullnmorlltel undor ~~ conditions requltitbull to 11 loir oolo tho buyer ancl eampllor eech bullbull1ino prudently knltHYiodgubly and usurntng tht prloo Ebull not eHOlttAd bv undUltI inwus lmJ)iiclt In thlr dofini1lon the ltltgtMUmtn~tion ol bull af IPIltlifled deto Dnd thl poaslng or tidt ltom bullaJiar co buyer under oon4itlont wh~ttobY (1) buyor and wolltr ero Lyploanv motlvalltld 421 both panJsl art wnll infom~ed or 1dYid bullnd uch acting In who ha eonsidorbull M1t awn bs~t lntereot Ill bull roaaorlbullblo timamp is nllowod lor poevroln tho Ol)llt mabullbtl (41 lIY ibull medo in torms of ~bullbullh lrl u $ dollarbull 01 In tturno or flnonolel ~1111810nts oornp~rlbfo thereto artd (5) thogt ptlco lipiUIIItl rho normal caideratiltJn lor tha prop$ry aotd unefftc~od lly spociBI ot eroatlve nnancfng or ur ooWluslona bull granCed lly envone asbull soclarlld with the bullnit
bull Ad)ubulllmampolto to the acmp~roamplot mu~t be mede f~l 8ptclelat cres1iV9 finannlng or tlt~loa ooAonsiltgt~ No sdjuWYents bullrbull nao~orv
for tlto oo9t9 which ato 11ormally peid bv ttllilre 11 bull roeult ar trtdltlon or lew ln bull mrkot arbullbulll Ultse coots arerudlly ld911UII11No tlflus tht 1sller peya tMtt oootl In Yirtually ell eltlet tr~ntaotiant SPJclel ot orutlv liMnolng adU~tmontt can bt rnocle to the oommiddot plrable proportv ily aomptlisont to financing termbull offered by a third psrty instituric~lllandor thai io not afmtdv lnvclvad In tht propshyortv or trantecrlon Any Olltfjua~tnent aPtould not bm talaulartd on 1 meltgthbullnloel dollor for dollsr cabullt of tho ilnsnclng or oltmcot~lon but th~ dollar amtount of anv ad)ubulltmont ehtould apprlgtlCimato tht Markatbull rltbullaotlon to thl tlnonclnltr or ccncetlone baood on th~ onJ~Ufjorbull judgmeot
CltRTlFICATION AND STATEMENT OF LIMITING CONDITrONS CERTIFICATlON Thl Apprlliter ~artlllampbull ana reea thogtt
1 The Appr~llttr lult M prou11t or contemplollbulld futlire intorebulll in tJoe prcpbulllllbullpprlitampltl ~ncMithar lhs omJ)JO(mont to mako lite oppraluf nor he oom~~uutlon lor It Ia oantlngenf upon tho ejlpi~lbullad value of ho prGperrmiddotr
~ Thbull Apprmbullor hebull no paortallnter~al In or bias wfth repaot to th~ eubjogtet mtlter ol tho apptolool repo~ or tho pnr11clpanto 10 th oalo Tho eetlmlltt or Mor~at Vo11e In the lljlpraiul roport Iamp not ba~ In whola or In palt llpon the reco color or natlcn-lcHgin of thbull prcapoclfiM owMrs or ooouponl8 ol thapropJrlf eppralsod or u)on the taon ocor or notional origin of tho praunt ownoro or oocupantbull ol lito propartioe In t~ vfclnll( of rh~ IHGporty apprafbullad
3 Tho Appralttr hoe l)oroan~lly lntpeotad Utltl propwrty bolh lnaldbull ttnd a~r arltl ~ madbull an ooxurlot in1ptc1tan af ell cwnperehla bull~les ~~tod In lhfl npott To thbull but ctf tht Apprelearbull knowtodol~ sfd Hillel alt stttemenlbull and lnfarmotloh fn th~ roport 114 truo and bullbullmtal ~rtt tJe Apprel~ar h8t noc knovrngy wltllhtld ohV algnlneal1t lnfltJtrnatlon
4 All conlll~tnt end limiting ~ond1tlortt arbull GontalogtoJd hotoln limosbulld hy the termbull ol tha eoolgnmanl or by the LondtroiQnod olteotlngtlia anofJliOt Gplnloflt oond oonaluaonbull conralnad rn tha Fei)Ogtrlt
5 TNbull opproiulltpart has boon made In ~bullmforiTlty with ond Is oubreo( to tht ttqulr11lt1ampnto of tho Codamp of Pr~fassfanal Ethics end Stoinltlltls of Prolaolianal Conduort or thG bullpprnlssl GIQampnlznlant vmiddotlth whloh ~ha Al)rnlut Is afflneiad
8 All ooncluiliono end oplnlont concorrlno tlbulloo tatl aotbulltbull thst ort tet rarlflln tho apprUnl report ware prepari hv 1M Appralur whoto olgnoturo ooppoa on thltl ~tpproJI raport unlbullbullbull IMloatood a 11avltw Appralosr No ohenga of any Item 11 tho eppriiU~I t~port bullhall be mod~ by anyono othtt tluln ho Apptofnr ftnd lhamp Apprsleer ahall havo na rotponJbillly fer anv uah lttnouthodzed
ohbull~middot
CONTlNGllNT AND LIMITING CONDIIIOffil lt4rtlfialfllon of the Appraiser ~pp~lt~rtn11 In tM orppralsar roport Is subjaot to tna folfowlng oondttlons end to euoh other opecolrlo bullnciiiNJUng oondiHons u era aet forth bv Uo Ap(ltJieor in t~o rtport
1 The 1ppriHaer ~null4m M rslgtonslblijty for matte- of a legal neru affaotlng tha propampfV apptols~d or chbull titlt thbullrot~ not dcos tho Appralnr r~nltUt ~ny opinion bullbull to the tltlo whfh Is ftbull~m~d to bt good and matketnbt6 Tloa property appr41Ud es thouq h under tsspoleJbhbull ownerohfp
2 Anv tlltatoft In tlto r~tport may bullllow spproodmor~ dlmof$lona end fs lnolltlad Ia anlst th~ nad~r In oisuolfltlnQ th~ prop4ny 1M Apprsi~or hu made no svrvoy af tho proporly
a Thbull Appralosr io not qulrsd to ~lvamp tobulltiotiOl 01 appear in aouri bo~bullJIH of having m8damp thl appro1aal with ref~ ranco to Ute praportv in quetUcn unlaso arretlgemoobull ~avbull bbullon prlhi~raly mad OJ tftltmbullfor
4 Any dlbullttlbution of thltr valuation In lite rampport betwoen land nnd lmprovamtnts appfisf only urgtfar the malng prog~m af utiJI~otion The s-oparatbull valua11onbull tor lltnd ond b~lldlng tnuft not b~ Uliltld frt conjOncrioM with ShV aliter eppralslli and era invgtlld If to Uftd
5 Tha Appralut i~Jsumeo that thora ate no hlddon or un~ppsunt condlclono of thbull pt~p~ny eubactl ot strucntramp~ which waufd rendor It moro or lass vai1Jabi4 Tho Apprefs~r asournbullu 110 roponelblll1y tor tltr~h ctnditicent~bull or fM anglnaampring which rri~kt be required to discover auch fftctDn
8 Information ampS1iltnatet end o-piniont lurnlshed ra llta Apprai9et bullnd contained in tiN toport w~re obtornod hom ourebs oonsldmiddot orod reliolgtlo trd lgtnrtavad to bt truo and oorrect Howevar no rooponslbllitv fcrecrlllampey of eucl lome furnfohad tho Appraiser can bo BUUmod bv the Awrllsorr
1 Olactosuro of lite oontampnr oltho approJool ramppcrt fa gorned by 1ho9 Bvfbullwa ampnd fle~ul~1ions of rho protasnlonel ~pprohel orgbullnlshyl~tlona with which tno Ai=Pltbull~Gr is ~ffilialltd middot
4 Nafthor bullh nor bullny pert o( the CltltfG11 of tho tt~art Ot ~apy thet~of lincludino conolorolont oo to tho prop~~y vnfubull the identity of tnlt~ Approoor prohbulloiansl dlt~bulliglttlons r$loronc~ to ony jlrofQoslegtnill epplllal organiadono tho firm with which lho Approlnt ia connncttd) slutlt be u~od lot nny purpo~ lgty nnyoM but tho errant ~pooltl~d In tha repor tho bol~wor If approitol lu pnld by ~ovne tho mor1qo~aa or h$ Rtocurs erol nort)no morrgo~o lluurort conouitant profuofonsl dppraisef argnnllailtlmt any l~te or fllltlofllly optotovod finenol lne~tutian lny d~rgtbullrtmont agoncv or inttrumontaHy of doe Unt81 State9 or ~ny bullbull 01 lht Oishlot of Colutnbi~ without tfoe proviouo1 wrltttll oon~snt of tlo Approioar nobull bullhoU It bbull convbullvbulld by anyon~ to thbull Pltthll~ thiltlugh 8d~artiaibullltJ public rampIIIICiona news~ stflf or ocflor mbulldia wftfl)lft the writt111n CCnlont tl1id opprobull1d of Ula Appt~Sl~u~r
9 On 5iJ CJPDrehilll$ $Ubject to ~ldetactory cotnplrttlon rnparl or alt~ra1iDI9) thn epornlsnl -JCIrt ~~gtllf - ~r--~lt1slon Utl conHnmiddot gllnt upon coflyen1amption ol lho lflrevel)entl Ia a wnrkmanlik$ m-omr1Gr
BORROWER Dobkin
PROPERTY 6fl2() Lfdo Lnne rottr lleach ca 90803
Appraloorlbulll
YAioNbull~ FbullrrJt- MoM ~-m41~JULU-1 Fltlfm 1co~ n JJ~ 8~11
Dwyer Appraisal
Ftre No )illQ2_
~UP~~~~--------~-----------------~------------------------------------~p~~~ll~~~~e------middot----middot~------------------------------------~~---middotmiddot-----
f--Citv I~ Seilt~ CCUQ1 ~~middotlu---------~---~2i p_Codo_90ll3ltgt=-----~-__ Londer alASpound ~HioiTAii fUHltI~L tll27
AlPJlAISBi ClmTIFICAIIONS amp COMPLIANCE lllTH FIRRA REQUIREMFNlS
bull The puiJl1lle of thif f)Pgttlul b to estlllato hlr Harket Value as cleflnol In tho attamplthiod FHLK( fern 4J9of tt- bullbltrle deo~ribed real ~rty lhia appllliwt 1s f9r thamp SGt and txcl~ntv u1e of the ~e described ~~Cl l~tbull
lhta eAOreiL nay bo ~bulltd for federally ftlated rort~ lcall prrpous $bject to title XI o1 tho FIMnbullfbulll Insettuttcns Rtfon r~E~Wr) EllfGltcanetot Act of 1989 (IIAA61) The 1Mers1~ oppralter(a) aekrQtledg= ~flet thoy have rMd end Ydarstand tle Utfor arlfard$ of Proloslotw~l ~alool Prectf 1USIP 1 at they ~tocl end y bt atltndod 110lt1 tlre to tiM by thamp twrbullhal StIWdartfs gtard of the 4fgttaisal fonlatton ~rrl u trplenbted by IIOd 1nco~rsted fnto the oce (Off1oe of the CAlrtptrctltr of thamp Currency) ~Uqulatmiddot gtIU 1hla llgtrisampl QOIII)l with ilCC RegJlationt PSgtlt1 tfgte tlnl10~JI $tarderltls of Prof-teN~ P~cttca (IJSPtP)
the legal dorlptl011 9f tile prltlf)erty u ~on t~~ fi((t ~ of tMt t~R~rataal regtainod frm tha cnnty teK uunws riOOIds
middot ot-r ~rltgtd 11hlch ort eotiQred to ~ relloble- but Mt liJ(Irlltltoed Tho tot atgtd trs~t n~ lldar the aueuara par~L nlbller ~ra nsiIGIti lld~taly dtscriptlve ~ ~~ ot bull prtlbrirv~ry ti~lt report WIIoS rlaquoJUsted fron tb~ l~r bvt rltrt reeelv~ at the tiM llf loMe of this ~hsL
Th ~rlllampil$ eJtill8te af Nuaratgtle 1111rkttlng tine for ampAlje~ p~rty eelriltl~ ~hh the rlcetlng tiM shgtlm Cfl tht frolttt pogo It also rntated In the roment section en the nOOIICI ~ of tile lj)lltafaal
If tho tlbletta sa b val~ Is difforant thoR tite Estltcf valtJe t1~ val~ 11Hl bt stated in th ~te~oocfl btftlrl seetlcn of en rahal lepartlf thet are tne u~~e Qnly tigtQ aa 1 wlu~ 11 atatodA buH4fllQ Uldbullr ()()MtructOn ar In gtelaquolt of rqraquolra cr slttratfcns ll rerplre tilbull 1Ettita of llltrrktt vatbull lth tho ~~at~ 1albftct te box beilll chckocl Stlt thbull bac~ ptge of the ~pFn~iaal repon bull tha infanrat1et~
he scrpe of tMt flrahal frtoOlvod data oollettlon frcn vtltOIJa =r~t ta-fdered to be roliotblltJ 001 ~~ gvarantetd tn~ltdirg bst Li11itld to llblQ r~rd infec-t~Ltfa obta(hed flllfl hi lol COInty re=derbull Offiee Tll~ ll4tbQJfd1 t~oc Dmar local ttJttfple tlng a~vice1 buyen setteramp alli real ~t4te brQI(tra tooflrnotion Uo$ mt by ~ros~-cfleckirg fnfcr111tion ~ith tilt rorcu ntiCIlld middotthe llt~tultamp ere then repoltld fn the QWItlprfiltamp lrxirtftr~ on the bullr1lrel~l rtpOtt o~ ldd~lho pr1Mry data liOWCH bullrot provided the grid sectfoo lltfllt ap4U parnlb A phy$1cll 1npect1cn of tht fnt~tlor Itd exterior of the tlbject lrwerty 111 corjucte at ldltcl e thbull Epllraiter urilt t~o projlOrty l c~~loolated tlte orproJf-te l(fJare foe~ of l lvfrg amptea lhe ~raiamper tiiEtl ltIIcentltbull by tho fret
middot~h of tho laquot~~p~~rlblbulls ~nd tekh~ lIOtlta as to tMfr a~rrlftt ~leltol claquoldhioo for wul~tioo of their aolitiCII 11t ti~~e of salt
lhlre lilt~ rtl 11gt0141 pcraorat ~rty ttllfiS f1Mtut or tnt~rgb~t 1t~4 1101 notrolly ccnoidere bull part at tho rl MUte 1ncltdiod in i)raisod vatue of tht Pject ~rty My porKIIIl pr~rty iJ ~rteltl ltgtn l ttparete a6teldJ
the trltferbulllg~ed awratr(a) preaergtt end eertlfy thlrt~ (4) tt1e BProfoal auig1-t ~bull nat bas-M lt401 reqJtHIII nfnilltJil Vlluatflaquol eel fie valoetlro or tre owrltml Of toanBl etpiO)Wit of the appraiser wu rltrt oorditlmed OJgttO the awrabel produeii1Q a ~poet fie Jot or 10 1111lut vithfn a givon r9hgiJ CClfuru~ ~~t h rtGt d~~t qlCll en apprlhal prQdJclng a speelfie vatubull (D) amprp~t gten~atlltn ard fvtue eoplCY)lOnt Ire r-ot lasod ~ llllt~ leon lpPlicttioo h tppro~ed ltElnetlgtor the awrats rar any pelt(tl ~itlt
JOrerahlp intbullr~bullt In the ~ tqllaying the Gwrainr b rtla~~ to or hoa allj Wttrship or cthltr tlnncal lnterost 1rt eitller lxlildeobulldcvbulliper aeLler buoftr ror~e bttl~or Ct rtlt~l estate lltQk~r~~rsa (or a~y ~nM relatod to any of dlltr) irrol~ed in tNir~ti~ f) ihfoh this appntisal luu ~ raq1estod or utth th the l()t recalt nle or ratlnancfrg or irtY ll(OltIIty usid u a lttr11bte praportylogt thh epp-alsal ard (I) th lp9raiser h not ~~~o~are of tllf f~cta lhiltfl uould dtaqu~ify the frtn bcdng deelt to btt rwfeponrlltlft epprehel far ~rjlltI~H of $ltJQtion ~4S of th~ oee A9lotloo AOgulatiCgtlo
The IAdersignoltS apprainrCgt) h~relr ~ogtknltgttl~ ancl ~rtify that t~ltsy ar fbullJll) qBltliod ard Ogtltpqtetlt ly their training boltlge amp rience to f)rforll thh appr~hbulll II ~fter acltejgttallle of the ~tlgtrahol IHS lggtMt ald dullng the OJru of cordtlct f rg the ~wr~isal FPrampisr diac011ero tllilt tnoy ore rot fully ~t~ to jgtdrfor th owraiulthe ~ta~r will OOrjgtly vlth tht Coopetency ~ravtslcn SPAr
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6020 lido lane long beach ca - Google Maps Page I of I
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Dwyer Appraisal SALES COMPARISON ANALYSIS
IIC9
Dwyer Appraisal SAlES COMPARISON ANALYSIS
Dwyer Appraisal
----~----------------~iltNDJmiddot -~~~Do~bw~~in~--~--------- --------------middot-----------------------shy
~~~Q~L~i~d~ok~La~nwe~---------------------------------~~----~~ 5lt11lJmlg~ Cg~nlty Lof 6ngele_amp__~_____s2Jtn11 Ca 2jp Codo 9Q80l
Ltncfo CilASE MANHATTAN FINANCIAL C02
AOOITIONAL MARW DATA OOMMENTS
omparab~es H4 5 and 6 were s~leeted f~ the Lido Isle area of Ne~rt Beach Although Lldo Isle s substantiaLly further south ot subject the island of Lldo baa stmllar eharacterlselea is not ttad and eorudderad sllllilar in overall market appeal
Jmparable U4 and Co~rabla 6 are both very s~ltar to subject in livlrtg area and the large lot lre Their location on the island and their bay)hnbor vbv is vary tmilsr to 3Ubjeots Large ~just~enta W6re not nacessa~y and thaae to cnmparablea are given considerable weight
~~able 05 has tnferior lot utility as well as living area ~ich raquired adjustment but tha Law was couaiderad s1mlar All three opound theaa co~arablu reflect similar construction quality 1d we~allmiddot marlcet lppeal
lmparables 7 8 and 9 are the beat of eu~ant liatinta avallable on the Naplaa islan~ within ose prOltilllity to subject Although they reflect construction quality and conditiOn more similar 1 aubject their inferior lot si~es snd utilit7 at vsll as living area required substantial ljuatments Current llstings are fumfslud to demonat~ate the upper 1~t opound value for the tbjee~bulla nampiahborhood Adjustments 1n the grid section reflect the approximate sates to lat middottee pereentaga probull1lded by the local Multip~e Listing Sarvice
DNyer Appraisal
___fgJ~~lri Proa rtv Addrau ~ ld9 tBM -~middot County lolll~tt ___J~ Zie Clllt ~
LKndet ClUE ~~ltATTolll fiiWICtAL (JIQ
AIgtDINDUM TO APPRAISAL
Ojt 1 loeaud witlbullitl t~e city lln1t~ of ~ Bead) Callt~fa IOrll Seech h toutod llgtrodnaUly 239 nie$ ~h o1 lA~ Jgamplu the ~llty seu o1 10 lneles CCUty The pl9atnt J~QpJlat fQl o1 lAtl Bead h lllPIgtthattly COO vi thin It 4971 tlll~ lle~ lhe ci~y Is bGrdered laquo1 the U)rth by lampblootl the $dfltf1 by u Pacific Ooeltl tl14 Vet by Olr5Qrl Std Latlta lld the East by Sql bullad end los Al~ltoa (OriJQe toTJtygt tt ia eUo bordered en ~flo lleat by tfle lcni Beldt CT10) FrtltMtf tlo llorth by the Sen Dieogt middot-y lmiddot~) allll the Salt by tiM san ~lot Rlwr F-y (I-60$) OottVtlertt 1~y middot~-s II I hlcflly lrelgtlo ftaturo tor bullbullfdlnts otto ~rte t the a~bull
thougl1 the city Is plfnar1ly 11 ruldtntal tQOUfty a stbsturtlat prtl01 a1 lWld 11114 Hsllfved tor trdJstrlal ~iat lit( Dfflcbull rtldlltiJS u~o lfajlaquoo siqlflllll COIIpltxa are acated th~t tte ity Cbulllitorni State llnlwrslty Wid IDrg Belich City t6lloge ere bulleated ln toog ampMch amp~ill to loroer Prb ale SQItttrod tnrl)jgcJt the city far tile re~oation usa of the resldoota
e fident1~l ~Xltmnides bullrbull cha~ttertlect lfith a 111Xtlltll of restdlltialvi~s tqing fll arell oldt loxl frlllle airqlamp fenily ~as ta l11rger1 rltNOt1 ~ra ~rn trset t~ txbulltng wlli~h bullr~ ~~lble ciJo to tke 11o1t11tt aitt fnfucn~
lje-ct t Lacatod In tJo SCYtbeat coMer of ltng Be~cit in ao arM alown u Naplu llpl03 h an iamplencl In tl1e eorttr of e 10g Botsch rfna and 1a IICicnuble fr011 he Ean bullnd tloe lint by Sa=d Stlttlt
bull rntigbolflood OOil4itU of avetbilebullgood ~bullelHy 01111-thrltlltl story detadled houus rliIQitgtg 1n elze frltn 1100 to SOCO ~~ ftet -r aecltou h appiQKItoly thrlt111 niles tut nt Nifborlood ml~ good lntwnt llt~ela Scxgth WwiJ ald rtlatd Vi~es orbull ~tntly QcaUd to the p~rty tie botlrdarl of t1le nefgfilomood ~~ct~ld ~ tM hlsnd faelf
~ faUna ts a hidllY dtagtle Gnd pre3tfolcus pllcente to Ulltt ltm Its grtat locatm j pttgtltity to tte ~at=r Tte lota arrood tilamp 1bullifOlter ot th4 itnf havt tJc3t dock to tile Net liUh tM obtfty to 1c~tt 50bull60 +ya-tu Dnttra of th4se ~~ have dlre~~ eocua
thofr OOta fred the r~r af tht pfQletty will ch can thelt be Moiuted thJQUdh tho ~ l cut to the Pat Ifie Olelaquol the hmu lrltMd bull l)fgtrf~teter olIIO hlve ~llent vie~~S of t1e bly 1d eft) llihta For ruldmh COl 1nte~lot Lab 1t It ltny a lllort walk to llfll of tlw V4te bcl-et tr the tidents and tMbullM prtl to w~ llcmu cr1 fnterlor tot t)l)1colly r-arg= In 1181114 11011 $150reg to ~tn)r
e~ the por11Mter ~th llllter frcntiiJI tgtP1ealty r~r99 fiQ1 SVXOOCO )Igt StOOCOOI- Thbull t~ In the IJJH b tC71Mrd~ the rexJHdlrg Otititien to rrdor ccnptota HnOcletlng of all otdeJ heriot tile hond ampooQ tM gtltltfMUI odjKeot to thamp bllltld Th1a trend
~~ltthelt-- tile rtobilfty of Mrka~ lamplue$ in the aNa
Dwyer Appraisal
Filo No
_B2~ttSilpn1 COOle In
Pbullbulluru l~st 8l20 Lido L)) Cllpound~~cfl C~llL2~bullLa Uabull c 2Q~ltIdbull ~
~middot----lendbullr CHAS ttAHKTrAN FIIIANCIAL tW
ADDENDUM TO APPRAISAL
XTERIOR FEATURES rtOIIltlc (ltIn tbtrs) $prinkler ampy$Ctn tn jrllrlt amprr yafltlp
wltold amp gottd llfltry to tht front dltlor provd~ privacy at 1141 u a frcnt patio for lddhiltt111l fbullnctio-at utility oblld p lltltert in t~ frltnt amp r r yard 1sta1 dr111CIIIIY Ia nade of aalld flags~
~~ front porch is~ of solid fl~tONO
111r yard enoleooed ootith a~middot hi~ btoek ~lt Thh proYidlte9 aitiONJ~ ueurty li~t obstru~tlng tile bay vie~~
CJJbulltltlll luilt bullPI in tte frat QQ(Itt)llrd bull 11 patio bullnbull elso hu 1 bulltmiddotfn 18Vfi~ft
lttio a~s t~s tM r of 1lltJ- b llco(e of solid fl]ttltllo
rt of the riNr patio 1~ It CfMbullrltJd by ttl~ seoni lelto~ol dedc
~TERIOR FEATURES JIIIStDIIII ftcarlng In MtJY hltJllnlf I t~~ m thegt 1bullt Uvl 1 sCCIId lbullvbulll Is all 2~~qJare 1111rblt YilOltXf qJJotty eubulltat e~gtrprtitiQ th~ the root of th om Item h~~~ qUII ity Stow-oo ayttn tlulCIltt the ~
J Cfllllity hcurlt) syatern th~t Joillltfl ta dNgt~t disl to a sacu~lty JK~nltorl~ Jbullrv1 ce nt~t len shutters thr~ tcglt~thar wf th 6tioer CtJbulltOltI ulndr1t eowri~bullmiddot
etaold llV~IJl9 dl~t -t prflllr) rcons ord t~Llolllys
to 12 ooilirQS tb~ ltlOSt Of tho hi3e bullll~tbull ere ptaced bulltrateic~lty thrctllflalt taD IClWII mot41t~t tlvalgtool tht houso rn tfoe addltOfll bedJQOM JtiiIOfef Uo((frdle dltxgtrt rt is 1lao a Mp~Jrato wine ltollar gt1ich h tlle~tatiClltly t~rswro I ~lfrate taltrollcd h a lourdry chute fiOIf tl~ llpl)r tel(a) to the lalndry ~ ~~~ at t_ lCooer lemiddot~L
TCHEN ot~rtopamp In fctttMn are tolid ~rooite
itOOltI flco~iJ In kitclen i nd area
Jlll~ cOltok~ aU othe~ top ctlIQIty lilltes amp fl~t~res und In tnt ktt~ as OMlL as the bullbullbullt of tho hoobullbull amp il a ampefgt6rete fet at thbull kitchen sl~k for inseartt hot lllltiH
- is a mr~ 114kmiddottn jlllftry lttich h bull very ~lrabla fbullbullturt usUIlly fafd In larlts rn tMt t~
bulle h IJ lalge built-In ref~ig9flltalt-tob-zero 1reeter lith the front ps~elamp Mtchlrg Uo cablrgtlttJY I~ the kltclltn
lULV ROOM fQnfly rogtOfllllls its on firqJlace
STER BEDROOM amp BATH llll$ter gtlaquo110011 fs Vol) ~paclobull tltch fa a typieal fcatTJre for thi~ ~ amp ptloe ~of ro ~ h a sittlrq area or retret~ at ltgt1~ End of th~ lliISter beiroott taster bedRltln has ita firepllaquocentB lotlfch h triliiTed 1(111 norlle l~ tlt~ ftooriJ9 thJt1-IGhJt JMst~r bath rzi tlb in IllS ter bath 1 ampt-alor wt th clxibte shltloer hctado
h a t6r~ llalk-in cloet in bull~tr trooo 11tt~ buHtmiddotin orgbullniz amp ol-olve$ Le amrcqJI In rraquottor bllthCan
lNG ROOMDINING ROOM -o 12 ceHI~ in Uvl19 ~ tving roar h11 it 1$ Qllll ffrplate llttici a tr-fmoeltf uith rarblo ont co t~o dinllg roro thQr h a bar rem JJth e w$lkmiddotbehtrrl llH bgtr th~ 1aro1ly ftJoCt1 with a luilt-fn ref~t~rator amp fc Jor n stulptulOd c1rpetlrq in the livfhJ roato ard lldJont trca3
IA(E bull~biO n qood qtelity ~Llmiddotup rr- doors wHh liample dcor qJltn~rs bullilirqbull amp ~alls in the qgtragbull are finiohelti ot ~bullt~r ~tor hltla a rbullmiddotelrwlbulltlf ~ lottich plOIbulli~centamp notMt hgtt lf~ter to praoticany ort(tero t~ the hOJs~ 11t to tbe 90rigc la 8 ~tre cellar middot-et ba- liN 112 bllth
~-===~----
Dwyer Appraisal
-iUPt-~~JL__ lroarty 6lt1bull~11 (lRtJ lob le
~~altl Cauntv~~ sra~ C4 II a~e lalll Lande1 OIA$E rtNII4TfAN FIIWICW eolt1
ADOitNDUM TO APPRAISAL
lnal Reconciliation
bullr Nl$ llo 1blo Reccrd5 $~bjeot has nat ~euro11 ~fated or told tn the pKt 12 rrcntlts ampnd h nat pr~$llntly listed
te nat cttampttt bull~u activity tn touthHrt california II e11p1rfenoif9 Lilli ted aetlvh~ dUo to a tlt~gglah OltOOft lotile ptql~rty vallo$ pear to llttve lttoclfne tn eore 11rtas other etelt~t are ~~le $ tlaquoM areas hll aGtuelly lncnut fn vat~ A pertloular llef~barlold fVIf Prfmce lhat ~r$ to be Iii t~~ary cleltline fn ~talue ldoltrt nveral ~r-s 1eve an wgent nHd ta aell lara aU ~t1rq for thl middot111hed nlnigtor of bitter~ llll~gtfbble Thfa h -ftered to be bull telpOnoryo aftuatfcn lohfch will oorreet Itself 4hen tM tOIIIXIral) Ooert~ly ~ b ebtorbod amp detend fncr111nJn bull111~ Ioiii~ hllgtl~ txperferncd laljle orplO)lMt ~ffa or oloVte of lalfe renufacturi~ plllt1t e rtcwery petofod formiddotp~ty v1tlut $ thl stobHlzatlcn of ~lfmng Yll~ claquo~lltl be atttantloUyiClIQltr amp lOft sown thon tEIIIlOrsry
this CQldltfltll is ratld or ena arprmf~r h ~$rt of It I~ l$ ~tod en bo amplfSl8rat~ adclrldln Nrefn middot
thh 11sprabal anfgrncntcal4ful ~~IGltI ot all curlltrt Mrket dllta wu conafltlerod ~llfch inclLdcd analy~1a ot cu~rmt ll$tlngs penii~ les aa wll ~ tJqtrld and -l~ lhtt~ P~lng aales 1rot~ltlthn 1 gfvm ratkat ar~ can rerg in vamplue wbst~ietly ~lng lfv~rQ area rccn cortt anenlties ncltrlng view or lllcc ot Vflll and 1q~~ta ~ ~tfa1 lf there litre pending MlM ~tlfdl N aio~~llal to subject In ovtral~ rarket Ollll4St1 cne Of~ of thtsa ~fng sslobull Mite beelt fncl~ fn thh tltport rt there 1111r1 no liHir per-ding ales ptnd111J alet lhich ~ltere not silttlar Ore not Usqd lhe u o1 ranbulltlnf lor Mles ~oWld Tlt~qJire thm vn of excQsfva 1 etbjetiw adjus~s leodfog illes 11119 adequE~tely teflect curr41lt ltlrklot derltJltf ~Mingo les of ptepcrtles stnflar to stbject at fees l~r thlo rtelt closed sal are gfwn tho roampt lieigntPendfng 14~ laquo f~gtlltr ~rtles hil1ltr prt-1lt1 than r~t eland sales 1 g1v151 o~~fniMl wf~t sin- tie~bull fa bull poulbllftl tlllt thay ftlt nat clo~e aaerou for a VarfOU IIUber of reafiOM
led ales withfll thl jlolst 30~ drtt aramp IIOlt raLteble alllcento tMy hlrw ctOltHQ amp Urrt are -t recent II tllo ebtenca qf reltenC eloeed gtendfngo satu 111 ~mtyenab f CM~ llstlnga ws also ~~ted ~in thitrt 1M be a llidbull ta~ t valuoa -llllble tor Uatl~a far 1 lfll~ tf abooa llstrga prlcad out ltgtt llfoat ~rata be reailcrollbltt range of wlut Wllftt not ccnalderol ~ und In tht rtthey hlaquovtt btco adJusted to t-4 prebogtlt ~~Gmntlllit a1 Mlt ta liat pric es reparteltt by tile Local 1Jltiplamp ~ittliG Service Further iuatmnts aN then ~eased en teatur~a coodftlcn etcent Hfnltral ~tight h given to t fatfnga ampitgtU they tore clrly d~trate til ~ lfroft of value for PtQPa~ths tfllilar to Sllbjet~t ftOir stbjeets narlcat Gru ~ are hMfr tile ro~t CYrrllt deta a~~ampftabl~ If cne t110 lfetlrgs 1evt nat ~ inotude In thl$ rtp~rt fn lieu of peldiJ sale t I$ becaue~ tfl~u ~bull nane ampYallabl~ coosldotrod to ba 1flar to stbullbject 1Qn-slllllor properttampS IIQIIld agin rltUir~ tM u- ot egtltltauw ZII1CIor Oj~t altljuatts tl1cn ckfeet th~ p~rpase Or bull eo~rabte t~lamp middot
middotmiddot====== =======~=--~----middot---bullmiddotmiddot-----middotmiddotmiddotmiddotmiddot~middotN---middotmiddotmiddot
FotbullN 32590~ DEFINITION OF MARKET VALUPIhe mott probaWo pric~ which amiddotpraporty ohOltifd brlnqin e bullampolfdve bull~d opbullnmorlltel undor ~~ conditions requltitbull to 11 loir oolo tho buyer ancl eampllor eech bullbull1ino prudently knltHYiodgubly and usurntng tht prloo Ebull not eHOlttAd bv undUltI inwus lmJ)iiclt In thlr dofini1lon the ltltgtMUmtn~tion ol bull af IPIltlifled deto Dnd thl poaslng or tidt ltom bullaJiar co buyer under oon4itlont wh~ttobY (1) buyor and wolltr ero Lyploanv motlvalltld 421 both panJsl art wnll infom~ed or 1dYid bullnd uch acting In who ha eonsidorbull M1t awn bs~t lntereot Ill bull roaaorlbullblo timamp is nllowod lor poevroln tho Ol)llt mabullbtl (41 lIY ibull medo in torms of ~bullbullh lrl u $ dollarbull 01 In tturno or flnonolel ~1111810nts oornp~rlbfo thereto artd (5) thogt ptlco lipiUIIItl rho normal caideratiltJn lor tha prop$ry aotd unefftc~od lly spociBI ot eroatlve nnancfng or ur ooWluslona bull granCed lly envone asbull soclarlld with the bullnit
bull Ad)ubulllmampolto to the acmp~roamplot mu~t be mede f~l 8ptclelat cres1iV9 finannlng or tlt~loa ooAonsiltgt~ No sdjuWYents bullrbull nao~orv
for tlto oo9t9 which ato 11ormally peid bv ttllilre 11 bull roeult ar trtdltlon or lew ln bull mrkot arbullbulll Ultse coots arerudlly ld911UII11No tlflus tht 1sller peya tMtt oootl In Yirtually ell eltlet tr~ntaotiant SPJclel ot orutlv liMnolng adU~tmontt can bt rnocle to the oommiddot plrable proportv ily aomptlisont to financing termbull offered by a third psrty instituric~lllandor thai io not afmtdv lnvclvad In tht propshyortv or trantecrlon Any Olltfjua~tnent aPtould not bm talaulartd on 1 meltgthbullnloel dollor for dollsr cabullt of tho ilnsnclng or oltmcot~lon but th~ dollar amtount of anv ad)ubulltmont ehtould apprlgtlCimato tht Markatbull rltbullaotlon to thl tlnonclnltr or ccncetlone baood on th~ onJ~Ufjorbull judgmeot
CltRTlFICATION AND STATEMENT OF LIMITING CONDITrONS CERTIFICATlON Thl Apprlliter ~artlllampbull ana reea thogtt
1 The Appr~llttr lult M prou11t or contemplollbulld futlire intorebulll in tJoe prcpbulllllbullpprlitampltl ~ncMithar lhs omJ)JO(mont to mako lite oppraluf nor he oom~~uutlon lor It Ia oantlngenf upon tho ejlpi~lbullad value of ho prGperrmiddotr
~ Thbull Apprmbullor hebull no paortallnter~al In or bias wfth repaot to th~ eubjogtet mtlter ol tho apptolool repo~ or tho pnr11clpanto 10 th oalo Tho eetlmlltt or Mor~at Vo11e In the lljlpraiul roport Iamp not ba~ In whola or In palt llpon the reco color or natlcn-lcHgin of thbull prcapoclfiM owMrs or ooouponl8 ol thapropJrlf eppralsod or u)on the taon ocor or notional origin of tho praunt ownoro or oocupantbull ol lito propartioe In t~ vfclnll( of rh~ IHGporty apprafbullad
3 Tho Appralttr hoe l)oroan~lly lntpeotad Utltl propwrty bolh lnaldbull ttnd a~r arltl ~ madbull an ooxurlot in1ptc1tan af ell cwnperehla bull~les ~~tod In lhfl npott To thbull but ctf tht Apprelearbull knowtodol~ sfd Hillel alt stttemenlbull and lnfarmotloh fn th~ roport 114 truo and bullbullmtal ~rtt tJe Apprel~ar h8t noc knovrngy wltllhtld ohV algnlneal1t lnfltJtrnatlon
4 All conlll~tnt end limiting ~ond1tlortt arbull GontalogtoJd hotoln limosbulld hy the termbull ol tha eoolgnmanl or by the LondtroiQnod olteotlngtlia anofJliOt Gplnloflt oond oonaluaonbull conralnad rn tha Fei)Ogtrlt
5 TNbull opproiulltpart has boon made In ~bullmforiTlty with ond Is oubreo( to tht ttqulr11lt1ampnto of tho Codamp of Pr~fassfanal Ethics end Stoinltlltls of Prolaolianal Conduort or thG bullpprnlssl GIQampnlznlant vmiddotlth whloh ~ha Al)rnlut Is afflneiad
8 All ooncluiliono end oplnlont concorrlno tlbulloo tatl aotbulltbull thst ort tet rarlflln tho apprUnl report ware prepari hv 1M Appralur whoto olgnoturo ooppoa on thltl ~tpproJI raport unlbullbullbull IMloatood a 11avltw Appralosr No ohenga of any Item 11 tho eppriiU~I t~port bullhall be mod~ by anyono othtt tluln ho Apptofnr ftnd lhamp Apprsleer ahall havo na rotponJbillly fer anv uah lttnouthodzed
ohbull~middot
CONTlNGllNT AND LIMITING CONDIIIOffil lt4rtlfialfllon of the Appraiser ~pp~lt~rtn11 In tM orppralsar roport Is subjaot to tna folfowlng oondttlons end to euoh other opecolrlo bullnciiiNJUng oondiHons u era aet forth bv Uo Ap(ltJieor in t~o rtport
1 The 1ppriHaer ~null4m M rslgtonslblijty for matte- of a legal neru affaotlng tha propampfV apptols~d or chbull titlt thbullrot~ not dcos tho Appralnr r~nltUt ~ny opinion bullbull to the tltlo whfh Is ftbull~m~d to bt good and matketnbt6 Tloa property appr41Ud es thouq h under tsspoleJbhbull ownerohfp
2 Anv tlltatoft In tlto r~tport may bullllow spproodmor~ dlmof$lona end fs lnolltlad Ia anlst th~ nad~r In oisuolfltlnQ th~ prop4ny 1M Apprsi~or hu made no svrvoy af tho proporly
a Thbull Appralosr io not qulrsd to ~lvamp tobulltiotiOl 01 appear in aouri bo~bullJIH of having m8damp thl appro1aal with ref~ ranco to Ute praportv in quetUcn unlaso arretlgemoobull ~avbull bbullon prlhi~raly mad OJ tftltmbullfor
4 Any dlbullttlbution of thltr valuation In lite rampport betwoen land nnd lmprovamtnts appfisf only urgtfar the malng prog~m af utiJI~otion The s-oparatbull valua11onbull tor lltnd ond b~lldlng tnuft not b~ Uliltld frt conjOncrioM with ShV aliter eppralslli and era invgtlld If to Uftd
5 Tha Appralut i~Jsumeo that thora ate no hlddon or un~ppsunt condlclono of thbull pt~p~ny eubactl ot strucntramp~ which waufd rendor It moro or lass vai1Jabi4 Tho Apprefs~r asournbullu 110 roponelblll1y tor tltr~h ctnditicent~bull or fM anglnaampring which rri~kt be required to discover auch fftctDn
8 Information ampS1iltnatet end o-piniont lurnlshed ra llta Apprai9et bullnd contained in tiN toport w~re obtornod hom ourebs oonsldmiddot orod reliolgtlo trd lgtnrtavad to bt truo and oorrect Howevar no rooponslbllitv fcrecrlllampey of eucl lome furnfohad tho Appraiser can bo BUUmod bv the Awrllsorr
1 Olactosuro of lite oontampnr oltho approJool ramppcrt fa gorned by 1ho9 Bvfbullwa ampnd fle~ul~1ions of rho protasnlonel ~pprohel orgbullnlshyl~tlona with which tno Ai=Pltbull~Gr is ~ffilialltd middot
4 Nafthor bullh nor bullny pert o( the CltltfG11 of tho tt~art Ot ~apy thet~of lincludino conolorolont oo to tho prop~~y vnfubull the identity of tnlt~ Approoor prohbulloiansl dlt~bulliglttlons r$loronc~ to ony jlrofQoslegtnill epplllal organiadono tho firm with which lho Approlnt ia connncttd) slutlt be u~od lot nny purpo~ lgty nnyoM but tho errant ~pooltl~d In tha repor tho bol~wor If approitol lu pnld by ~ovne tho mor1qo~aa or h$ Rtocurs erol nort)no morrgo~o lluurort conouitant profuofonsl dppraisef argnnllailtlmt any l~te or fllltlofllly optotovod finenol lne~tutian lny d~rgtbullrtmont agoncv or inttrumontaHy of doe Unt81 State9 or ~ny bullbull 01 lht Oishlot of Colutnbi~ without tfoe proviouo1 wrltttll oon~snt of tlo Approioar nobull bullhoU It bbull convbullvbulld by anyon~ to thbull Pltthll~ thiltlugh 8d~artiaibullltJ public rampIIIICiona news~ stflf or ocflor mbulldia wftfl)lft the writt111n CCnlont tl1id opprobull1d of Ula Appt~Sl~u~r
9 On 5iJ CJPDrehilll$ $Ubject to ~ldetactory cotnplrttlon rnparl or alt~ra1iDI9) thn epornlsnl -JCIrt ~~gtllf - ~r--~lt1slon Utl conHnmiddot gllnt upon coflyen1amption ol lho lflrevel)entl Ia a wnrkmanlik$ m-omr1Gr
BORROWER Dobkin
PROPERTY 6fl2() Lfdo Lnne rottr lleach ca 90803
Appraloorlbulll
YAioNbull~ FbullrrJt- MoM ~-m41~JULU-1 Fltlfm 1co~ n JJ~ 8~11
Dwyer Appraisal
Ftre No )illQ2_
~UP~~~~--------~-----------------~------------------------------------~p~~~ll~~~~e------middot----middot~------------------------------------~~---middotmiddot-----
f--Citv I~ Seilt~ CCUQ1 ~~middotlu---------~---~2i p_Codo_90ll3ltgt=-----~-__ Londer alASpound ~HioiTAii fUHltI~L tll27
AlPJlAISBi ClmTIFICAIIONS amp COMPLIANCE lllTH FIRRA REQUIREMFNlS
bull The puiJl1lle of thif f)Pgttlul b to estlllato hlr Harket Value as cleflnol In tho attamplthiod FHLK( fern 4J9of tt- bullbltrle deo~ribed real ~rty lhia appllliwt 1s f9r thamp SGt and txcl~ntv u1e of the ~e described ~~Cl l~tbull
lhta eAOreiL nay bo ~bulltd for federally ftlated rort~ lcall prrpous $bject to title XI o1 tho FIMnbullfbulll Insettuttcns Rtfon r~E~Wr) EllfGltcanetot Act of 1989 (IIAA61) The 1Mers1~ oppralter(a) aekrQtledg= ~flet thoy have rMd end Ydarstand tle Utfor arlfard$ of Proloslotw~l ~alool Prectf 1USIP 1 at they ~tocl end y bt atltndod 110lt1 tlre to tiM by thamp twrbullhal StIWdartfs gtard of the 4fgttaisal fonlatton ~rrl u trplenbted by IIOd 1nco~rsted fnto the oce (Off1oe of the CAlrtptrctltr of thamp Currency) ~Uqulatmiddot gtIU 1hla llgtrisampl QOIII)l with ilCC RegJlationt PSgtlt1 tfgte tlnl10~JI $tarderltls of Prof-teN~ P~cttca (IJSPtP)
the legal dorlptl011 9f tile prltlf)erty u ~on t~~ fi((t ~ of tMt t~R~rataal regtainod frm tha cnnty teK uunws riOOIds
middot ot-r ~rltgtd 11hlch ort eotiQred to ~ relloble- but Mt liJ(Irlltltoed Tho tot atgtd trs~t n~ lldar the aueuara par~L nlbller ~ra nsiIGIti lld~taly dtscriptlve ~ ~~ ot bull prtlbrirv~ry ti~lt report WIIoS rlaquoJUsted fron tb~ l~r bvt rltrt reeelv~ at the tiM llf loMe of this ~hsL
Th ~rlllampil$ eJtill8te af Nuaratgtle 1111rkttlng tine for ampAlje~ p~rty eelriltl~ ~hh the rlcetlng tiM shgtlm Cfl tht frolttt pogo It also rntated In the roment section en the nOOIICI ~ of tile lj)lltafaal
If tho tlbletta sa b val~ Is difforant thoR tite Estltcf valtJe t1~ val~ 11Hl bt stated in th ~te~oocfl btftlrl seetlcn of en rahal lepartlf thet are tne u~~e Qnly tigtQ aa 1 wlu~ 11 atatodA buH4fllQ Uldbullr ()()MtructOn ar In gtelaquolt of rqraquolra cr slttratfcns ll rerplre tilbull 1Ettita of llltrrktt vatbull lth tho ~~at~ 1albftct te box beilll chckocl Stlt thbull bac~ ptge of the ~pFn~iaal repon bull tha infanrat1et~
he scrpe of tMt flrahal frtoOlvod data oollettlon frcn vtltOIJa =r~t ta-fdered to be roliotblltJ 001 ~~ gvarantetd tn~ltdirg bst Li11itld to llblQ r~rd infec-t~Ltfa obta(hed flllfl hi lol COInty re=derbull Offiee Tll~ ll4tbQJfd1 t~oc Dmar local ttJttfple tlng a~vice1 buyen setteramp alli real ~t4te brQI(tra tooflrnotion Uo$ mt by ~ros~-cfleckirg fnfcr111tion ~ith tilt rorcu ntiCIlld middotthe llt~tultamp ere then repoltld fn the QWItlprfiltamp lrxirtftr~ on the bullr1lrel~l rtpOtt o~ ldd~lho pr1Mry data liOWCH bullrot provided the grid sectfoo lltfllt ap4U parnlb A phy$1cll 1npect1cn of tht fnt~tlor Itd exterior of the tlbject lrwerty 111 corjucte at ldltcl e thbull Epllraiter urilt t~o projlOrty l c~~loolated tlte orproJf-te l(fJare foe~ of l lvfrg amptea lhe ~raiamper tiiEtl ltIIcentltbull by tho fret
middot~h of tho laquot~~p~~rlblbulls ~nd tekh~ lIOtlta as to tMfr a~rrlftt ~leltol claquoldhioo for wul~tioo of their aolitiCII 11t ti~~e of salt
lhlre lilt~ rtl 11gt0141 pcraorat ~rty ttllfiS f1Mtut or tnt~rgb~t 1t~4 1101 notrolly ccnoidere bull part at tho rl MUte 1ncltdiod in i)raisod vatue of tht Pject ~rty My porKIIIl pr~rty iJ ~rteltl ltgtn l ttparete a6teldJ
the trltferbulllg~ed awratr(a) preaergtt end eertlfy thlrt~ (4) tt1e BProfoal auig1-t ~bull nat bas-M lt401 reqJtHIII nfnilltJil Vlluatflaquol eel fie valoetlro or tre owrltml Of toanBl etpiO)Wit of the appraiser wu rltrt oorditlmed OJgttO the awrabel produeii1Q a ~poet fie Jot or 10 1111lut vithfn a givon r9hgiJ CClfuru~ ~~t h rtGt d~~t qlCll en apprlhal prQdJclng a speelfie vatubull (D) amprp~t gten~atlltn ard fvtue eoplCY)lOnt Ire r-ot lasod ~ llllt~ leon lpPlicttioo h tppro~ed ltElnetlgtor the awrats rar any pelt(tl ~itlt
JOrerahlp intbullr~bullt In the ~ tqllaying the Gwrainr b rtla~~ to or hoa allj Wttrship or cthltr tlnncal lnterost 1rt eitller lxlildeobulldcvbulliper aeLler buoftr ror~e bttl~or Ct rtlt~l estate lltQk~r~~rsa (or a~y ~nM relatod to any of dlltr) irrol~ed in tNir~ti~ f) ihfoh this appntisal luu ~ raq1estod or utth th the l()t recalt nle or ratlnancfrg or irtY ll(OltIIty usid u a lttr11bte praportylogt thh epp-alsal ard (I) th lp9raiser h not ~~~o~are of tllf f~cta lhiltfl uould dtaqu~ify the frtn bcdng deelt to btt rwfeponrlltlft epprehel far ~rjlltI~H of $ltJQtion ~4S of th~ oee A9lotloo AOgulatiCgtlo
The IAdersignoltS apprainrCgt) h~relr ~ogtknltgttl~ ancl ~rtify that t~ltsy ar fbullJll) qBltliod ard Ogtltpqtetlt ly their training boltlge amp rience to f)rforll thh appr~hbulll II ~fter acltejgttallle of the ~tlgtrahol IHS lggtMt ald dullng the OJru of cordtlct f rg the ~wr~isal FPrampisr diac011ero tllilt tnoy ore rot fully ~t~ to jgtdrfor th owraiulthe ~ta~r will OOrjgtly vlth tht Coopetency ~ravtslcn SPAr
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6020 lido lane long beach ca - Google Maps Page I of I
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Dwyer Appraisal SAlES COMPARISON ANALYSIS
Dwyer Appraisal
----~----------------~iltNDJmiddot -~~~Do~bw~~in~--~--------- --------------middot-----------------------shy
~~~Q~L~i~d~ok~La~nwe~---------------------------------~~----~~ 5lt11lJmlg~ Cg~nlty Lof 6ngele_amp__~_____s2Jtn11 Ca 2jp Codo 9Q80l
Ltncfo CilASE MANHATTAN FINANCIAL C02
AOOITIONAL MARW DATA OOMMENTS
omparab~es H4 5 and 6 were s~leeted f~ the Lido Isle area of Ne~rt Beach Although Lldo Isle s substantiaLly further south ot subject the island of Lldo baa stmllar eharacterlselea is not ttad and eorudderad sllllilar in overall market appeal
Jmparable U4 and Co~rabla 6 are both very s~ltar to subject in livlrtg area and the large lot lre Their location on the island and their bay)hnbor vbv is vary tmilsr to 3Ubjeots Large ~just~enta W6re not nacessa~y and thaae to cnmparablea are given considerable weight
~~able 05 has tnferior lot utility as well as living area ~ich raquired adjustment but tha Law was couaiderad s1mlar All three opound theaa co~arablu reflect similar construction quality 1d we~allmiddot marlcet lppeal
lmparables 7 8 and 9 are the beat of eu~ant liatinta avallable on the Naplaa islan~ within ose prOltilllity to subject Although they reflect construction quality and conditiOn more similar 1 aubject their inferior lot si~es snd utilit7 at vsll as living area required substantial ljuatments Current llstings are fumfslud to demonat~ate the upper 1~t opound value for the tbjee~bulla nampiahborhood Adjustments 1n the grid section reflect the approximate sates to lat middottee pereentaga probull1lded by the local Multip~e Listing Sarvice
DNyer Appraisal
___fgJ~~lri Proa rtv Addrau ~ ld9 tBM -~middot County lolll~tt ___J~ Zie Clllt ~
LKndet ClUE ~~ltATTolll fiiWICtAL (JIQ
AIgtDINDUM TO APPRAISAL
Ojt 1 loeaud witlbullitl t~e city lln1t~ of ~ Bead) Callt~fa IOrll Seech h toutod llgtrodnaUly 239 nie$ ~h o1 lA~ Jgamplu the ~llty seu o1 10 lneles CCUty The pl9atnt J~QpJlat fQl o1 lAtl Bead h lllPIgtthattly COO vi thin It 4971 tlll~ lle~ lhe ci~y Is bGrdered laquo1 the U)rth by lampblootl the $dfltf1 by u Pacific Ooeltl tl14 Vet by Olr5Qrl Std Latlta lld the East by Sql bullad end los Al~ltoa (OriJQe toTJtygt tt ia eUo bordered en ~flo lleat by tfle lcni Beldt CT10) FrtltMtf tlo llorth by the Sen Dieogt middot-y lmiddot~) allll the Salt by tiM san ~lot Rlwr F-y (I-60$) OottVtlertt 1~y middot~-s II I hlcflly lrelgtlo ftaturo tor bullbullfdlnts otto ~rte t the a~bull
thougl1 the city Is plfnar1ly 11 ruldtntal tQOUfty a stbsturtlat prtl01 a1 lWld 11114 Hsllfved tor trdJstrlal ~iat lit( Dfflcbull rtldlltiJS u~o lfajlaquoo siqlflllll COIIpltxa are acated th~t tte ity Cbulllitorni State llnlwrslty Wid IDrg Belich City t6lloge ere bulleated ln toog ampMch amp~ill to loroer Prb ale SQItttrod tnrl)jgcJt the city far tile re~oation usa of the resldoota
e fident1~l ~Xltmnides bullrbull cha~ttertlect lfith a 111Xtlltll of restdlltialvi~s tqing fll arell oldt loxl frlllle airqlamp fenily ~as ta l11rger1 rltNOt1 ~ra ~rn trset t~ txbulltng wlli~h bullr~ ~~lble ciJo to tke 11o1t11tt aitt fnfucn~
lje-ct t Lacatod In tJo SCYtbeat coMer of ltng Be~cit in ao arM alown u Naplu llpl03 h an iamplencl In tl1e eorttr of e 10g Botsch rfna and 1a IICicnuble fr011 he Ean bullnd tloe lint by Sa=d Stlttlt
bull rntigbolflood OOil4itU of avetbilebullgood ~bullelHy 01111-thrltlltl story detadled houus rliIQitgtg 1n elze frltn 1100 to SOCO ~~ ftet -r aecltou h appiQKItoly thrlt111 niles tut nt Nifborlood ml~ good lntwnt llt~ela Scxgth WwiJ ald rtlatd Vi~es orbull ~tntly QcaUd to the p~rty tie botlrdarl of t1le nefgfilomood ~~ct~ld ~ tM hlsnd faelf
~ faUna ts a hidllY dtagtle Gnd pre3tfolcus pllcente to Ulltt ltm Its grtat locatm j pttgtltity to tte ~at=r Tte lota arrood tilamp 1bullifOlter ot th4 itnf havt tJc3t dock to tile Net liUh tM obtfty to 1c~tt 50bull60 +ya-tu Dnttra of th4se ~~ have dlre~~ eocua
thofr OOta fred the r~r af tht pfQletty will ch can thelt be Moiuted thJQUdh tho ~ l cut to the Pat Ifie Olelaquol the hmu lrltMd bull l)fgtrf~teter olIIO hlve ~llent vie~~S of t1e bly 1d eft) llihta For ruldmh COl 1nte~lot Lab 1t It ltny a lllort walk to llfll of tlw V4te bcl-et tr the tidents and tMbullM prtl to w~ llcmu cr1 fnterlor tot t)l)1colly r-arg= In 1181114 11011 $150reg to ~tn)r
e~ the por11Mter ~th llllter frcntiiJI tgtP1ealty r~r99 fiQ1 SVXOOCO )Igt StOOCOOI- Thbull t~ In the IJJH b tC71Mrd~ the rexJHdlrg Otititien to rrdor ccnptota HnOcletlng of all otdeJ heriot tile hond ampooQ tM gtltltfMUI odjKeot to thamp bllltld Th1a trend
~~ltthelt-- tile rtobilfty of Mrka~ lamplue$ in the aNa
Dwyer Appraisal
Filo No
_B2~ttSilpn1 COOle In
Pbullbulluru l~st 8l20 Lido L)) Cllpound~~cfl C~llL2~bullLa Uabull c 2Q~ltIdbull ~
~middot----lendbullr CHAS ttAHKTrAN FIIIANCIAL tW
ADDENDUM TO APPRAISAL
XTERIOR FEATURES rtOIIltlc (ltIn tbtrs) $prinkler ampy$Ctn tn jrllrlt amprr yafltlp
wltold amp gottd llfltry to tht front dltlor provd~ privacy at 1141 u a frcnt patio for lddhiltt111l fbullnctio-at utility oblld p lltltert in t~ frltnt amp r r yard 1sta1 dr111CIIIIY Ia nade of aalld flags~
~~ front porch is~ of solid fl~tONO
111r yard enoleooed ootith a~middot hi~ btoek ~lt Thh proYidlte9 aitiONJ~ ueurty li~t obstru~tlng tile bay vie~~
CJJbulltltlll luilt bullPI in tte frat QQ(Itt)llrd bull 11 patio bullnbull elso hu 1 bulltmiddotfn 18Vfi~ft
lttio a~s t~s tM r of 1lltJ- b llco(e of solid fl]ttltllo
rt of the riNr patio 1~ It CfMbullrltJd by ttl~ seoni lelto~ol dedc
~TERIOR FEATURES JIIIStDIIII ftcarlng In MtJY hltJllnlf I t~~ m thegt 1bullt Uvl 1 sCCIId lbullvbulll Is all 2~~qJare 1111rblt YilOltXf qJJotty eubulltat e~gtrprtitiQ th~ the root of th om Item h~~~ qUII ity Stow-oo ayttn tlulCIltt the ~
J Cfllllity hcurlt) syatern th~t Joillltfl ta dNgt~t disl to a sacu~lty JK~nltorl~ Jbullrv1 ce nt~t len shutters thr~ tcglt~thar wf th 6tioer CtJbulltOltI ulndr1t eowri~bullmiddot
etaold llV~IJl9 dl~t -t prflllr) rcons ord t~Llolllys
to 12 ooilirQS tb~ ltlOSt Of tho hi3e bullll~tbull ere ptaced bulltrateic~lty thrctllflalt taD IClWII mot41t~t tlvalgtool tht houso rn tfoe addltOfll bedJQOM JtiiIOfef Uo((frdle dltxgtrt rt is 1lao a Mp~Jrato wine ltollar gt1ich h tlle~tatiClltly t~rswro I ~lfrate taltrollcd h a lourdry chute fiOIf tl~ llpl)r tel(a) to the lalndry ~ ~~~ at t_ lCooer lemiddot~L
TCHEN ot~rtopamp In fctttMn are tolid ~rooite
itOOltI flco~iJ In kitclen i nd area
Jlll~ cOltok~ aU othe~ top ctlIQIty lilltes amp fl~t~res und In tnt ktt~ as OMlL as the bullbullbullt of tho hoobullbull amp il a ampefgt6rete fet at thbull kitchen sl~k for inseartt hot lllltiH
- is a mr~ 114kmiddottn jlllftry lttich h bull very ~lrabla fbullbullturt usUIlly fafd In larlts rn tMt t~
bulle h IJ lalge built-In ref~ig9flltalt-tob-zero 1reeter lith the front ps~elamp Mtchlrg Uo cablrgtlttJY I~ the kltclltn
lULV ROOM fQnfly rogtOfllllls its on firqJlace
STER BEDROOM amp BATH llll$ter gtlaquo110011 fs Vol) ~paclobull tltch fa a typieal fcatTJre for thi~ ~ amp ptloe ~of ro ~ h a sittlrq area or retret~ at ltgt1~ End of th~ lliISter beiroott taster bedRltln has ita firepllaquocentB lotlfch h triliiTed 1(111 norlle l~ tlt~ ftooriJ9 thJt1-IGhJt JMst~r bath rzi tlb in IllS ter bath 1 ampt-alor wt th clxibte shltloer hctado
h a t6r~ llalk-in cloet in bull~tr trooo 11tt~ buHtmiddotin orgbullniz amp ol-olve$ Le amrcqJI In rraquottor bllthCan
lNG ROOMDINING ROOM -o 12 ceHI~ in Uvl19 ~ tving roar h11 it 1$ Qllll ffrplate llttici a tr-fmoeltf uith rarblo ont co t~o dinllg roro thQr h a bar rem JJth e w$lkmiddotbehtrrl llH bgtr th~ 1aro1ly ftJoCt1 with a luilt-fn ref~t~rator amp fc Jor n stulptulOd c1rpetlrq in the livfhJ roato ard lldJont trca3
IA(E bull~biO n qood qtelity ~Llmiddotup rr- doors wHh liample dcor qJltn~rs bullilirqbull amp ~alls in the qgtragbull are finiohelti ot ~bullt~r ~tor hltla a rbullmiddotelrwlbulltlf ~ lottich plOIbulli~centamp notMt hgtt lf~ter to praoticany ort(tero t~ the hOJs~ 11t to tbe 90rigc la 8 ~tre cellar middot-et ba- liN 112 bllth
~-===~----
Dwyer Appraisal
-iUPt-~~JL__ lroarty 6lt1bull~11 (lRtJ lob le
~~altl Cauntv~~ sra~ C4 II a~e lalll Lande1 OIA$E rtNII4TfAN FIIWICW eolt1
ADOitNDUM TO APPRAISAL
lnal Reconciliation
bullr Nl$ llo 1blo Reccrd5 $~bjeot has nat ~euro11 ~fated or told tn the pKt 12 rrcntlts ampnd h nat pr~$llntly listed
te nat cttampttt bull~u activity tn touthHrt california II e11p1rfenoif9 Lilli ted aetlvh~ dUo to a tlt~gglah OltOOft lotile ptql~rty vallo$ pear to llttve lttoclfne tn eore 11rtas other etelt~t are ~~le $ tlaquoM areas hll aGtuelly lncnut fn vat~ A pertloular llef~barlold fVIf Prfmce lhat ~r$ to be Iii t~~ary cleltline fn ~talue ldoltrt nveral ~r-s 1eve an wgent nHd ta aell lara aU ~t1rq for thl middot111hed nlnigtor of bitter~ llll~gtfbble Thfa h -ftered to be bull telpOnoryo aftuatfcn lohfch will oorreet Itself 4hen tM tOIIIXIral) Ooert~ly ~ b ebtorbod amp detend fncr111nJn bull111~ Ioiii~ hllgtl~ txperferncd laljle orplO)lMt ~ffa or oloVte of lalfe renufacturi~ plllt1t e rtcwery petofod formiddotp~ty v1tlut $ thl stobHlzatlcn of ~lfmng Yll~ claquo~lltl be atttantloUyiClIQltr amp lOft sown thon tEIIIlOrsry
this CQldltfltll is ratld or ena arprmf~r h ~$rt of It I~ l$ ~tod en bo amplfSl8rat~ adclrldln Nrefn middot
thh 11sprabal anfgrncntcal4ful ~~IGltI ot all curlltrt Mrket dllta wu conafltlerod ~llfch inclLdcd analy~1a ot cu~rmt ll$tlngs penii~ les aa wll ~ tJqtrld and -l~ lhtt~ P~lng aales 1rot~ltlthn 1 gfvm ratkat ar~ can rerg in vamplue wbst~ietly ~lng lfv~rQ area rccn cortt anenlties ncltrlng view or lllcc ot Vflll and 1q~~ta ~ ~tfa1 lf there litre pending MlM ~tlfdl N aio~~llal to subject In ovtral~ rarket Ollll4St1 cne Of~ of thtsa ~fng sslobull Mite beelt fncl~ fn thh tltport rt there 1111r1 no liHir per-ding ales ptnd111J alet lhich ~ltere not silttlar Ore not Usqd lhe u o1 ranbulltlnf lor Mles ~oWld Tlt~qJire thm vn of excQsfva 1 etbjetiw adjus~s leodfog illes 11119 adequE~tely teflect curr41lt ltlrklot derltJltf ~Mingo les of ptepcrtles stnflar to stbject at fees l~r thlo rtelt closed sal are gfwn tho roampt lieigntPendfng 14~ laquo f~gtlltr ~rtles hil1ltr prt-1lt1 than r~t eland sales 1 g1v151 o~~fniMl wf~t sin- tie~bull fa bull poulbllftl tlllt thay ftlt nat clo~e aaerou for a VarfOU IIUber of reafiOM
led ales withfll thl jlolst 30~ drtt aramp IIOlt raLteble alllcento tMy hlrw ctOltHQ amp Urrt are -t recent II tllo ebtenca qf reltenC eloeed gtendfngo satu 111 ~mtyenab f CM~ llstlnga ws also ~~ted ~in thitrt 1M be a llidbull ta~ t valuoa -llllble tor Uatl~a far 1 lfll~ tf abooa llstrga prlcad out ltgtt llfoat ~rata be reailcrollbltt range of wlut Wllftt not ccnalderol ~ und In tht rtthey hlaquovtt btco adJusted to t-4 prebogtlt ~~Gmntlllit a1 Mlt ta liat pric es reparteltt by tile Local 1Jltiplamp ~ittliG Service Further iuatmnts aN then ~eased en teatur~a coodftlcn etcent Hfnltral ~tight h given to t fatfnga ampitgtU they tore clrly d~trate til ~ lfroft of value for PtQPa~ths tfllilar to Sllbjet~t ftOir stbjeets narlcat Gru ~ are hMfr tile ro~t CYrrllt deta a~~ampftabl~ If cne t110 lfetlrgs 1evt nat ~ inotude In thl$ rtp~rt fn lieu of peldiJ sale t I$ becaue~ tfl~u ~bull nane ampYallabl~ coosldotrod to ba 1flar to stbullbject 1Qn-slllllor properttampS IIQIIld agin rltUir~ tM u- ot egtltltauw ZII1CIor Oj~t altljuatts tl1cn ckfeet th~ p~rpase Or bull eo~rabte t~lamp middot
middotmiddot====== =======~=--~----middot---bullmiddotmiddot-----middotmiddotmiddotmiddotmiddot~middotN---middotmiddotmiddot
FotbullN 32590~ DEFINITION OF MARKET VALUPIhe mott probaWo pric~ which amiddotpraporty ohOltifd brlnqin e bullampolfdve bull~d opbullnmorlltel undor ~~ conditions requltitbull to 11 loir oolo tho buyer ancl eampllor eech bullbull1ino prudently knltHYiodgubly and usurntng tht prloo Ebull not eHOlttAd bv undUltI inwus lmJ)iiclt In thlr dofini1lon the ltltgtMUmtn~tion ol bull af IPIltlifled deto Dnd thl poaslng or tidt ltom bullaJiar co buyer under oon4itlont wh~ttobY (1) buyor and wolltr ero Lyploanv motlvalltld 421 both panJsl art wnll infom~ed or 1dYid bullnd uch acting In who ha eonsidorbull M1t awn bs~t lntereot Ill bull roaaorlbullblo timamp is nllowod lor poevroln tho Ol)llt mabullbtl (41 lIY ibull medo in torms of ~bullbullh lrl u $ dollarbull 01 In tturno or flnonolel ~1111810nts oornp~rlbfo thereto artd (5) thogt ptlco lipiUIIItl rho normal caideratiltJn lor tha prop$ry aotd unefftc~od lly spociBI ot eroatlve nnancfng or ur ooWluslona bull granCed lly envone asbull soclarlld with the bullnit
bull Ad)ubulllmampolto to the acmp~roamplot mu~t be mede f~l 8ptclelat cres1iV9 finannlng or tlt~loa ooAonsiltgt~ No sdjuWYents bullrbull nao~orv
for tlto oo9t9 which ato 11ormally peid bv ttllilre 11 bull roeult ar trtdltlon or lew ln bull mrkot arbullbulll Ultse coots arerudlly ld911UII11No tlflus tht 1sller peya tMtt oootl In Yirtually ell eltlet tr~ntaotiant SPJclel ot orutlv liMnolng adU~tmontt can bt rnocle to the oommiddot plrable proportv ily aomptlisont to financing termbull offered by a third psrty instituric~lllandor thai io not afmtdv lnvclvad In tht propshyortv or trantecrlon Any Olltfjua~tnent aPtould not bm talaulartd on 1 meltgthbullnloel dollor for dollsr cabullt of tho ilnsnclng or oltmcot~lon but th~ dollar amtount of anv ad)ubulltmont ehtould apprlgtlCimato tht Markatbull rltbullaotlon to thl tlnonclnltr or ccncetlone baood on th~ onJ~Ufjorbull judgmeot
CltRTlFICATION AND STATEMENT OF LIMITING CONDITrONS CERTIFICATlON Thl Apprlliter ~artlllampbull ana reea thogtt
1 The Appr~llttr lult M prou11t or contemplollbulld futlire intorebulll in tJoe prcpbulllllbullpprlitampltl ~ncMithar lhs omJ)JO(mont to mako lite oppraluf nor he oom~~uutlon lor It Ia oantlngenf upon tho ejlpi~lbullad value of ho prGperrmiddotr
~ Thbull Apprmbullor hebull no paortallnter~al In or bias wfth repaot to th~ eubjogtet mtlter ol tho apptolool repo~ or tho pnr11clpanto 10 th oalo Tho eetlmlltt or Mor~at Vo11e In the lljlpraiul roport Iamp not ba~ In whola or In palt llpon the reco color or natlcn-lcHgin of thbull prcapoclfiM owMrs or ooouponl8 ol thapropJrlf eppralsod or u)on the taon ocor or notional origin of tho praunt ownoro or oocupantbull ol lito propartioe In t~ vfclnll( of rh~ IHGporty apprafbullad
3 Tho Appralttr hoe l)oroan~lly lntpeotad Utltl propwrty bolh lnaldbull ttnd a~r arltl ~ madbull an ooxurlot in1ptc1tan af ell cwnperehla bull~les ~~tod In lhfl npott To thbull but ctf tht Apprelearbull knowtodol~ sfd Hillel alt stttemenlbull and lnfarmotloh fn th~ roport 114 truo and bullbullmtal ~rtt tJe Apprel~ar h8t noc knovrngy wltllhtld ohV algnlneal1t lnfltJtrnatlon
4 All conlll~tnt end limiting ~ond1tlortt arbull GontalogtoJd hotoln limosbulld hy the termbull ol tha eoolgnmanl or by the LondtroiQnod olteotlngtlia anofJliOt Gplnloflt oond oonaluaonbull conralnad rn tha Fei)Ogtrlt
5 TNbull opproiulltpart has boon made In ~bullmforiTlty with ond Is oubreo( to tht ttqulr11lt1ampnto of tho Codamp of Pr~fassfanal Ethics end Stoinltlltls of Prolaolianal Conduort or thG bullpprnlssl GIQampnlznlant vmiddotlth whloh ~ha Al)rnlut Is afflneiad
8 All ooncluiliono end oplnlont concorrlno tlbulloo tatl aotbulltbull thst ort tet rarlflln tho apprUnl report ware prepari hv 1M Appralur whoto olgnoturo ooppoa on thltl ~tpproJI raport unlbullbullbull IMloatood a 11avltw Appralosr No ohenga of any Item 11 tho eppriiU~I t~port bullhall be mod~ by anyono othtt tluln ho Apptofnr ftnd lhamp Apprsleer ahall havo na rotponJbillly fer anv uah lttnouthodzed
ohbull~middot
CONTlNGllNT AND LIMITING CONDIIIOffil lt4rtlfialfllon of the Appraiser ~pp~lt~rtn11 In tM orppralsar roport Is subjaot to tna folfowlng oondttlons end to euoh other opecolrlo bullnciiiNJUng oondiHons u era aet forth bv Uo Ap(ltJieor in t~o rtport
1 The 1ppriHaer ~null4m M rslgtonslblijty for matte- of a legal neru affaotlng tha propampfV apptols~d or chbull titlt thbullrot~ not dcos tho Appralnr r~nltUt ~ny opinion bullbull to the tltlo whfh Is ftbull~m~d to bt good and matketnbt6 Tloa property appr41Ud es thouq h under tsspoleJbhbull ownerohfp
2 Anv tlltatoft In tlto r~tport may bullllow spproodmor~ dlmof$lona end fs lnolltlad Ia anlst th~ nad~r In oisuolfltlnQ th~ prop4ny 1M Apprsi~or hu made no svrvoy af tho proporly
a Thbull Appralosr io not qulrsd to ~lvamp tobulltiotiOl 01 appear in aouri bo~bullJIH of having m8damp thl appro1aal with ref~ ranco to Ute praportv in quetUcn unlaso arretlgemoobull ~avbull bbullon prlhi~raly mad OJ tftltmbullfor
4 Any dlbullttlbution of thltr valuation In lite rampport betwoen land nnd lmprovamtnts appfisf only urgtfar the malng prog~m af utiJI~otion The s-oparatbull valua11onbull tor lltnd ond b~lldlng tnuft not b~ Uliltld frt conjOncrioM with ShV aliter eppralslli and era invgtlld If to Uftd
5 Tha Appralut i~Jsumeo that thora ate no hlddon or un~ppsunt condlclono of thbull pt~p~ny eubactl ot strucntramp~ which waufd rendor It moro or lass vai1Jabi4 Tho Apprefs~r asournbullu 110 roponelblll1y tor tltr~h ctnditicent~bull or fM anglnaampring which rri~kt be required to discover auch fftctDn
8 Information ampS1iltnatet end o-piniont lurnlshed ra llta Apprai9et bullnd contained in tiN toport w~re obtornod hom ourebs oonsldmiddot orod reliolgtlo trd lgtnrtavad to bt truo and oorrect Howevar no rooponslbllitv fcrecrlllampey of eucl lome furnfohad tho Appraiser can bo BUUmod bv the Awrllsorr
1 Olactosuro of lite oontampnr oltho approJool ramppcrt fa gorned by 1ho9 Bvfbullwa ampnd fle~ul~1ions of rho protasnlonel ~pprohel orgbullnlshyl~tlona with which tno Ai=Pltbull~Gr is ~ffilialltd middot
4 Nafthor bullh nor bullny pert o( the CltltfG11 of tho tt~art Ot ~apy thet~of lincludino conolorolont oo to tho prop~~y vnfubull the identity of tnlt~ Approoor prohbulloiansl dlt~bulliglttlons r$loronc~ to ony jlrofQoslegtnill epplllal organiadono tho firm with which lho Approlnt ia connncttd) slutlt be u~od lot nny purpo~ lgty nnyoM but tho errant ~pooltl~d In tha repor tho bol~wor If approitol lu pnld by ~ovne tho mor1qo~aa or h$ Rtocurs erol nort)no morrgo~o lluurort conouitant profuofonsl dppraisef argnnllailtlmt any l~te or fllltlofllly optotovod finenol lne~tutian lny d~rgtbullrtmont agoncv or inttrumontaHy of doe Unt81 State9 or ~ny bullbull 01 lht Oishlot of Colutnbi~ without tfoe proviouo1 wrltttll oon~snt of tlo Approioar nobull bullhoU It bbull convbullvbulld by anyon~ to thbull Pltthll~ thiltlugh 8d~artiaibullltJ public rampIIIICiona news~ stflf or ocflor mbulldia wftfl)lft the writt111n CCnlont tl1id opprobull1d of Ula Appt~Sl~u~r
9 On 5iJ CJPDrehilll$ $Ubject to ~ldetactory cotnplrttlon rnparl or alt~ra1iDI9) thn epornlsnl -JCIrt ~~gtllf - ~r--~lt1slon Utl conHnmiddot gllnt upon coflyen1amption ol lho lflrevel)entl Ia a wnrkmanlik$ m-omr1Gr
BORROWER Dobkin
PROPERTY 6fl2() Lfdo Lnne rottr lleach ca 90803
Appraloorlbulll
YAioNbull~ FbullrrJt- MoM ~-m41~JULU-1 Fltlfm 1co~ n JJ~ 8~11
Dwyer Appraisal
Ftre No )illQ2_
~UP~~~~--------~-----------------~------------------------------------~p~~~ll~~~~e------middot----middot~------------------------------------~~---middotmiddot-----
f--Citv I~ Seilt~ CCUQ1 ~~middotlu---------~---~2i p_Codo_90ll3ltgt=-----~-__ Londer alASpound ~HioiTAii fUHltI~L tll27
AlPJlAISBi ClmTIFICAIIONS amp COMPLIANCE lllTH FIRRA REQUIREMFNlS
bull The puiJl1lle of thif f)Pgttlul b to estlllato hlr Harket Value as cleflnol In tho attamplthiod FHLK( fern 4J9of tt- bullbltrle deo~ribed real ~rty lhia appllliwt 1s f9r thamp SGt and txcl~ntv u1e of the ~e described ~~Cl l~tbull
lhta eAOreiL nay bo ~bulltd for federally ftlated rort~ lcall prrpous $bject to title XI o1 tho FIMnbullfbulll Insettuttcns Rtfon r~E~Wr) EllfGltcanetot Act of 1989 (IIAA61) The 1Mers1~ oppralter(a) aekrQtledg= ~flet thoy have rMd end Ydarstand tle Utfor arlfard$ of Proloslotw~l ~alool Prectf 1USIP 1 at they ~tocl end y bt atltndod 110lt1 tlre to tiM by thamp twrbullhal StIWdartfs gtard of the 4fgttaisal fonlatton ~rrl u trplenbted by IIOd 1nco~rsted fnto the oce (Off1oe of the CAlrtptrctltr of thamp Currency) ~Uqulatmiddot gtIU 1hla llgtrisampl QOIII)l with ilCC RegJlationt PSgtlt1 tfgte tlnl10~JI $tarderltls of Prof-teN~ P~cttca (IJSPtP)
the legal dorlptl011 9f tile prltlf)erty u ~on t~~ fi((t ~ of tMt t~R~rataal regtainod frm tha cnnty teK uunws riOOIds
middot ot-r ~rltgtd 11hlch ort eotiQred to ~ relloble- but Mt liJ(Irlltltoed Tho tot atgtd trs~t n~ lldar the aueuara par~L nlbller ~ra nsiIGIti lld~taly dtscriptlve ~ ~~ ot bull prtlbrirv~ry ti~lt report WIIoS rlaquoJUsted fron tb~ l~r bvt rltrt reeelv~ at the tiM llf loMe of this ~hsL
Th ~rlllampil$ eJtill8te af Nuaratgtle 1111rkttlng tine for ampAlje~ p~rty eelriltl~ ~hh the rlcetlng tiM shgtlm Cfl tht frolttt pogo It also rntated In the roment section en the nOOIICI ~ of tile lj)lltafaal
If tho tlbletta sa b val~ Is difforant thoR tite Estltcf valtJe t1~ val~ 11Hl bt stated in th ~te~oocfl btftlrl seetlcn of en rahal lepartlf thet are tne u~~e Qnly tigtQ aa 1 wlu~ 11 atatodA buH4fllQ Uldbullr ()()MtructOn ar In gtelaquolt of rqraquolra cr slttratfcns ll rerplre tilbull 1Ettita of llltrrktt vatbull lth tho ~~at~ 1albftct te box beilll chckocl Stlt thbull bac~ ptge of the ~pFn~iaal repon bull tha infanrat1et~
he scrpe of tMt flrahal frtoOlvod data oollettlon frcn vtltOIJa =r~t ta-fdered to be roliotblltJ 001 ~~ gvarantetd tn~ltdirg bst Li11itld to llblQ r~rd infec-t~Ltfa obta(hed flllfl hi lol COInty re=derbull Offiee Tll~ ll4tbQJfd1 t~oc Dmar local ttJttfple tlng a~vice1 buyen setteramp alli real ~t4te brQI(tra tooflrnotion Uo$ mt by ~ros~-cfleckirg fnfcr111tion ~ith tilt rorcu ntiCIlld middotthe llt~tultamp ere then repoltld fn the QWItlprfiltamp lrxirtftr~ on the bullr1lrel~l rtpOtt o~ ldd~lho pr1Mry data liOWCH bullrot provided the grid sectfoo lltfllt ap4U parnlb A phy$1cll 1npect1cn of tht fnt~tlor Itd exterior of the tlbject lrwerty 111 corjucte at ldltcl e thbull Epllraiter urilt t~o projlOrty l c~~loolated tlte orproJf-te l(fJare foe~ of l lvfrg amptea lhe ~raiamper tiiEtl ltIIcentltbull by tho fret
middot~h of tho laquot~~p~~rlblbulls ~nd tekh~ lIOtlta as to tMfr a~rrlftt ~leltol claquoldhioo for wul~tioo of their aolitiCII 11t ti~~e of salt
lhlre lilt~ rtl 11gt0141 pcraorat ~rty ttllfiS f1Mtut or tnt~rgb~t 1t~4 1101 notrolly ccnoidere bull part at tho rl MUte 1ncltdiod in i)raisod vatue of tht Pject ~rty My porKIIIl pr~rty iJ ~rteltl ltgtn l ttparete a6teldJ
the trltferbulllg~ed awratr(a) preaergtt end eertlfy thlrt~ (4) tt1e BProfoal auig1-t ~bull nat bas-M lt401 reqJtHIII nfnilltJil Vlluatflaquol eel fie valoetlro or tre owrltml Of toanBl etpiO)Wit of the appraiser wu rltrt oorditlmed OJgttO the awrabel produeii1Q a ~poet fie Jot or 10 1111lut vithfn a givon r9hgiJ CClfuru~ ~~t h rtGt d~~t qlCll en apprlhal prQdJclng a speelfie vatubull (D) amprp~t gten~atlltn ard fvtue eoplCY)lOnt Ire r-ot lasod ~ llllt~ leon lpPlicttioo h tppro~ed ltElnetlgtor the awrats rar any pelt(tl ~itlt
JOrerahlp intbullr~bullt In the ~ tqllaying the Gwrainr b rtla~~ to or hoa allj Wttrship or cthltr tlnncal lnterost 1rt eitller lxlildeobulldcvbulliper aeLler buoftr ror~e bttl~or Ct rtlt~l estate lltQk~r~~rsa (or a~y ~nM relatod to any of dlltr) irrol~ed in tNir~ti~ f) ihfoh this appntisal luu ~ raq1estod or utth th the l()t recalt nle or ratlnancfrg or irtY ll(OltIIty usid u a lttr11bte praportylogt thh epp-alsal ard (I) th lp9raiser h not ~~~o~are of tllf f~cta lhiltfl uould dtaqu~ify the frtn bcdng deelt to btt rwfeponrlltlft epprehel far ~rjlltI~H of $ltJQtion ~4S of th~ oee A9lotloo AOgulatiCgtlo
The IAdersignoltS apprainrCgt) h~relr ~ogtknltgttl~ ancl ~rtify that t~ltsy ar fbullJll) qBltliod ard Ogtltpqtetlt ly their training boltlge amp rience to f)rforll thh appr~hbulll II ~fter acltejgttallle of the ~tlgtrahol IHS lggtMt ald dullng the OJru of cordtlct f rg the ~wr~isal FPrampisr diac011ero tllilt tnoy ore rot fully ~t~ to jgtdrfor th owraiulthe ~ta~r will OOrjgtly vlth tht Coopetency ~ravtslcn SPAr
=-~--middot--~~_-=---------------__~----------===middot~
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6020 lido lane long beach ca - Google Maps Page I of I
To see all the details that are visible on the screen use the Print link next to the map
Dwyer Appraisal
----~----------------~iltNDJmiddot -~~~Do~bw~~in~--~--------- --------------middot-----------------------shy
~~~Q~L~i~d~ok~La~nwe~---------------------------------~~----~~ 5lt11lJmlg~ Cg~nlty Lof 6ngele_amp__~_____s2Jtn11 Ca 2jp Codo 9Q80l
Ltncfo CilASE MANHATTAN FINANCIAL C02
AOOITIONAL MARW DATA OOMMENTS
omparab~es H4 5 and 6 were s~leeted f~ the Lido Isle area of Ne~rt Beach Although Lldo Isle s substantiaLly further south ot subject the island of Lldo baa stmllar eharacterlselea is not ttad and eorudderad sllllilar in overall market appeal
Jmparable U4 and Co~rabla 6 are both very s~ltar to subject in livlrtg area and the large lot lre Their location on the island and their bay)hnbor vbv is vary tmilsr to 3Ubjeots Large ~just~enta W6re not nacessa~y and thaae to cnmparablea are given considerable weight
~~able 05 has tnferior lot utility as well as living area ~ich raquired adjustment but tha Law was couaiderad s1mlar All three opound theaa co~arablu reflect similar construction quality 1d we~allmiddot marlcet lppeal
lmparables 7 8 and 9 are the beat of eu~ant liatinta avallable on the Naplaa islan~ within ose prOltilllity to subject Although they reflect construction quality and conditiOn more similar 1 aubject their inferior lot si~es snd utilit7 at vsll as living area required substantial ljuatments Current llstings are fumfslud to demonat~ate the upper 1~t opound value for the tbjee~bulla nampiahborhood Adjustments 1n the grid section reflect the approximate sates to lat middottee pereentaga probull1lded by the local Multip~e Listing Sarvice
DNyer Appraisal
___fgJ~~lri Proa rtv Addrau ~ ld9 tBM -~middot County lolll~tt ___J~ Zie Clllt ~
LKndet ClUE ~~ltATTolll fiiWICtAL (JIQ
AIgtDINDUM TO APPRAISAL
Ojt 1 loeaud witlbullitl t~e city lln1t~ of ~ Bead) Callt~fa IOrll Seech h toutod llgtrodnaUly 239 nie$ ~h o1 lA~ Jgamplu the ~llty seu o1 10 lneles CCUty The pl9atnt J~QpJlat fQl o1 lAtl Bead h lllPIgtthattly COO vi thin It 4971 tlll~ lle~ lhe ci~y Is bGrdered laquo1 the U)rth by lampblootl the $dfltf1 by u Pacific Ooeltl tl14 Vet by Olr5Qrl Std Latlta lld the East by Sql bullad end los Al~ltoa (OriJQe toTJtygt tt ia eUo bordered en ~flo lleat by tfle lcni Beldt CT10) FrtltMtf tlo llorth by the Sen Dieogt middot-y lmiddot~) allll the Salt by tiM san ~lot Rlwr F-y (I-60$) OottVtlertt 1~y middot~-s II I hlcflly lrelgtlo ftaturo tor bullbullfdlnts otto ~rte t the a~bull
thougl1 the city Is plfnar1ly 11 ruldtntal tQOUfty a stbsturtlat prtl01 a1 lWld 11114 Hsllfved tor trdJstrlal ~iat lit( Dfflcbull rtldlltiJS u~o lfajlaquoo siqlflllll COIIpltxa are acated th~t tte ity Cbulllitorni State llnlwrslty Wid IDrg Belich City t6lloge ere bulleated ln toog ampMch amp~ill to loroer Prb ale SQItttrod tnrl)jgcJt the city far tile re~oation usa of the resldoota
e fident1~l ~Xltmnides bullrbull cha~ttertlect lfith a 111Xtlltll of restdlltialvi~s tqing fll arell oldt loxl frlllle airqlamp fenily ~as ta l11rger1 rltNOt1 ~ra ~rn trset t~ txbulltng wlli~h bullr~ ~~lble ciJo to tke 11o1t11tt aitt fnfucn~
lje-ct t Lacatod In tJo SCYtbeat coMer of ltng Be~cit in ao arM alown u Naplu llpl03 h an iamplencl In tl1e eorttr of e 10g Botsch rfna and 1a IICicnuble fr011 he Ean bullnd tloe lint by Sa=d Stlttlt
bull rntigbolflood OOil4itU of avetbilebullgood ~bullelHy 01111-thrltlltl story detadled houus rliIQitgtg 1n elze frltn 1100 to SOCO ~~ ftet -r aecltou h appiQKItoly thrlt111 niles tut nt Nifborlood ml~ good lntwnt llt~ela Scxgth WwiJ ald rtlatd Vi~es orbull ~tntly QcaUd to the p~rty tie botlrdarl of t1le nefgfilomood ~~ct~ld ~ tM hlsnd faelf
~ faUna ts a hidllY dtagtle Gnd pre3tfolcus pllcente to Ulltt ltm Its grtat locatm j pttgtltity to tte ~at=r Tte lota arrood tilamp 1bullifOlter ot th4 itnf havt tJc3t dock to tile Net liUh tM obtfty to 1c~tt 50bull60 +ya-tu Dnttra of th4se ~~ have dlre~~ eocua
thofr OOta fred the r~r af tht pfQletty will ch can thelt be Moiuted thJQUdh tho ~ l cut to the Pat Ifie Olelaquol the hmu lrltMd bull l)fgtrf~teter olIIO hlve ~llent vie~~S of t1e bly 1d eft) llihta For ruldmh COl 1nte~lot Lab 1t It ltny a lllort walk to llfll of tlw V4te bcl-et tr the tidents and tMbullM prtl to w~ llcmu cr1 fnterlor tot t)l)1colly r-arg= In 1181114 11011 $150reg to ~tn)r
e~ the por11Mter ~th llllter frcntiiJI tgtP1ealty r~r99 fiQ1 SVXOOCO )Igt StOOCOOI- Thbull t~ In the IJJH b tC71Mrd~ the rexJHdlrg Otititien to rrdor ccnptota HnOcletlng of all otdeJ heriot tile hond ampooQ tM gtltltfMUI odjKeot to thamp bllltld Th1a trend
~~ltthelt-- tile rtobilfty of Mrka~ lamplue$ in the aNa
Dwyer Appraisal
Filo No
_B2~ttSilpn1 COOle In
Pbullbulluru l~st 8l20 Lido L)) Cllpound~~cfl C~llL2~bullLa Uabull c 2Q~ltIdbull ~
~middot----lendbullr CHAS ttAHKTrAN FIIIANCIAL tW
ADDENDUM TO APPRAISAL
XTERIOR FEATURES rtOIIltlc (ltIn tbtrs) $prinkler ampy$Ctn tn jrllrlt amprr yafltlp
wltold amp gottd llfltry to tht front dltlor provd~ privacy at 1141 u a frcnt patio for lddhiltt111l fbullnctio-at utility oblld p lltltert in t~ frltnt amp r r yard 1sta1 dr111CIIIIY Ia nade of aalld flags~
~~ front porch is~ of solid fl~tONO
111r yard enoleooed ootith a~middot hi~ btoek ~lt Thh proYidlte9 aitiONJ~ ueurty li~t obstru~tlng tile bay vie~~
CJJbulltltlll luilt bullPI in tte frat QQ(Itt)llrd bull 11 patio bullnbull elso hu 1 bulltmiddotfn 18Vfi~ft
lttio a~s t~s tM r of 1lltJ- b llco(e of solid fl]ttltllo
rt of the riNr patio 1~ It CfMbullrltJd by ttl~ seoni lelto~ol dedc
~TERIOR FEATURES JIIIStDIIII ftcarlng In MtJY hltJllnlf I t~~ m thegt 1bullt Uvl 1 sCCIId lbullvbulll Is all 2~~qJare 1111rblt YilOltXf qJJotty eubulltat e~gtrprtitiQ th~ the root of th om Item h~~~ qUII ity Stow-oo ayttn tlulCIltt the ~
J Cfllllity hcurlt) syatern th~t Joillltfl ta dNgt~t disl to a sacu~lty JK~nltorl~ Jbullrv1 ce nt~t len shutters thr~ tcglt~thar wf th 6tioer CtJbulltOltI ulndr1t eowri~bullmiddot
etaold llV~IJl9 dl~t -t prflllr) rcons ord t~Llolllys
to 12 ooilirQS tb~ ltlOSt Of tho hi3e bullll~tbull ere ptaced bulltrateic~lty thrctllflalt taD IClWII mot41t~t tlvalgtool tht houso rn tfoe addltOfll bedJQOM JtiiIOfef Uo((frdle dltxgtrt rt is 1lao a Mp~Jrato wine ltollar gt1ich h tlle~tatiClltly t~rswro I ~lfrate taltrollcd h a lourdry chute fiOIf tl~ llpl)r tel(a) to the lalndry ~ ~~~ at t_ lCooer lemiddot~L
TCHEN ot~rtopamp In fctttMn are tolid ~rooite
itOOltI flco~iJ In kitclen i nd area
Jlll~ cOltok~ aU othe~ top ctlIQIty lilltes amp fl~t~res und In tnt ktt~ as OMlL as the bullbullbullt of tho hoobullbull amp il a ampefgt6rete fet at thbull kitchen sl~k for inseartt hot lllltiH
- is a mr~ 114kmiddottn jlllftry lttich h bull very ~lrabla fbullbullturt usUIlly fafd In larlts rn tMt t~
bulle h IJ lalge built-In ref~ig9flltalt-tob-zero 1reeter lith the front ps~elamp Mtchlrg Uo cablrgtlttJY I~ the kltclltn
lULV ROOM fQnfly rogtOfllllls its on firqJlace
STER BEDROOM amp BATH llll$ter gtlaquo110011 fs Vol) ~paclobull tltch fa a typieal fcatTJre for thi~ ~ amp ptloe ~of ro ~ h a sittlrq area or retret~ at ltgt1~ End of th~ lliISter beiroott taster bedRltln has ita firepllaquocentB lotlfch h triliiTed 1(111 norlle l~ tlt~ ftooriJ9 thJt1-IGhJt JMst~r bath rzi tlb in IllS ter bath 1 ampt-alor wt th clxibte shltloer hctado
h a t6r~ llalk-in cloet in bull~tr trooo 11tt~ buHtmiddotin orgbullniz amp ol-olve$ Le amrcqJI In rraquottor bllthCan
lNG ROOMDINING ROOM -o 12 ceHI~ in Uvl19 ~ tving roar h11 it 1$ Qllll ffrplate llttici a tr-fmoeltf uith rarblo ont co t~o dinllg roro thQr h a bar rem JJth e w$lkmiddotbehtrrl llH bgtr th~ 1aro1ly ftJoCt1 with a luilt-fn ref~t~rator amp fc Jor n stulptulOd c1rpetlrq in the livfhJ roato ard lldJont trca3
IA(E bull~biO n qood qtelity ~Llmiddotup rr- doors wHh liample dcor qJltn~rs bullilirqbull amp ~alls in the qgtragbull are finiohelti ot ~bullt~r ~tor hltla a rbullmiddotelrwlbulltlf ~ lottich plOIbulli~centamp notMt hgtt lf~ter to praoticany ort(tero t~ the hOJs~ 11t to tbe 90rigc la 8 ~tre cellar middot-et ba- liN 112 bllth
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Dwyer Appraisal
-iUPt-~~JL__ lroarty 6lt1bull~11 (lRtJ lob le
~~altl Cauntv~~ sra~ C4 II a~e lalll Lande1 OIA$E rtNII4TfAN FIIWICW eolt1
ADOitNDUM TO APPRAISAL
lnal Reconciliation
bullr Nl$ llo 1blo Reccrd5 $~bjeot has nat ~euro11 ~fated or told tn the pKt 12 rrcntlts ampnd h nat pr~$llntly listed
te nat cttampttt bull~u activity tn touthHrt california II e11p1rfenoif9 Lilli ted aetlvh~ dUo to a tlt~gglah OltOOft lotile ptql~rty vallo$ pear to llttve lttoclfne tn eore 11rtas other etelt~t are ~~le $ tlaquoM areas hll aGtuelly lncnut fn vat~ A pertloular llef~barlold fVIf Prfmce lhat ~r$ to be Iii t~~ary cleltline fn ~talue ldoltrt nveral ~r-s 1eve an wgent nHd ta aell lara aU ~t1rq for thl middot111hed nlnigtor of bitter~ llll~gtfbble Thfa h -ftered to be bull telpOnoryo aftuatfcn lohfch will oorreet Itself 4hen tM tOIIIXIral) Ooert~ly ~ b ebtorbod amp detend fncr111nJn bull111~ Ioiii~ hllgtl~ txperferncd laljle orplO)lMt ~ffa or oloVte of lalfe renufacturi~ plllt1t e rtcwery petofod formiddotp~ty v1tlut $ thl stobHlzatlcn of ~lfmng Yll~ claquo~lltl be atttantloUyiClIQltr amp lOft sown thon tEIIIlOrsry
this CQldltfltll is ratld or ena arprmf~r h ~$rt of It I~ l$ ~tod en bo amplfSl8rat~ adclrldln Nrefn middot
thh 11sprabal anfgrncntcal4ful ~~IGltI ot all curlltrt Mrket dllta wu conafltlerod ~llfch inclLdcd analy~1a ot cu~rmt ll$tlngs penii~ les aa wll ~ tJqtrld and -l~ lhtt~ P~lng aales 1rot~ltlthn 1 gfvm ratkat ar~ can rerg in vamplue wbst~ietly ~lng lfv~rQ area rccn cortt anenlties ncltrlng view or lllcc ot Vflll and 1q~~ta ~ ~tfa1 lf there litre pending MlM ~tlfdl N aio~~llal to subject In ovtral~ rarket Ollll4St1 cne Of~ of thtsa ~fng sslobull Mite beelt fncl~ fn thh tltport rt there 1111r1 no liHir per-ding ales ptnd111J alet lhich ~ltere not silttlar Ore not Usqd lhe u o1 ranbulltlnf lor Mles ~oWld Tlt~qJire thm vn of excQsfva 1 etbjetiw adjus~s leodfog illes 11119 adequE~tely teflect curr41lt ltlrklot derltJltf ~Mingo les of ptepcrtles stnflar to stbject at fees l~r thlo rtelt closed sal are gfwn tho roampt lieigntPendfng 14~ laquo f~gtlltr ~rtles hil1ltr prt-1lt1 than r~t eland sales 1 g1v151 o~~fniMl wf~t sin- tie~bull fa bull poulbllftl tlllt thay ftlt nat clo~e aaerou for a VarfOU IIUber of reafiOM
led ales withfll thl jlolst 30~ drtt aramp IIOlt raLteble alllcento tMy hlrw ctOltHQ amp Urrt are -t recent II tllo ebtenca qf reltenC eloeed gtendfngo satu 111 ~mtyenab f CM~ llstlnga ws also ~~ted ~in thitrt 1M be a llidbull ta~ t valuoa -llllble tor Uatl~a far 1 lfll~ tf abooa llstrga prlcad out ltgtt llfoat ~rata be reailcrollbltt range of wlut Wllftt not ccnalderol ~ und In tht rtthey hlaquovtt btco adJusted to t-4 prebogtlt ~~Gmntlllit a1 Mlt ta liat pric es reparteltt by tile Local 1Jltiplamp ~ittliG Service Further iuatmnts aN then ~eased en teatur~a coodftlcn etcent Hfnltral ~tight h given to t fatfnga ampitgtU they tore clrly d~trate til ~ lfroft of value for PtQPa~ths tfllilar to Sllbjet~t ftOir stbjeets narlcat Gru ~ are hMfr tile ro~t CYrrllt deta a~~ampftabl~ If cne t110 lfetlrgs 1evt nat ~ inotude In thl$ rtp~rt fn lieu of peldiJ sale t I$ becaue~ tfl~u ~bull nane ampYallabl~ coosldotrod to ba 1flar to stbullbject 1Qn-slllllor properttampS IIQIIld agin rltUir~ tM u- ot egtltltauw ZII1CIor Oj~t altljuatts tl1cn ckfeet th~ p~rpase Or bull eo~rabte t~lamp middot
middotmiddot====== =======~=--~----middot---bullmiddotmiddot-----middotmiddotmiddotmiddotmiddot~middotN---middotmiddotmiddot
FotbullN 32590~ DEFINITION OF MARKET VALUPIhe mott probaWo pric~ which amiddotpraporty ohOltifd brlnqin e bullampolfdve bull~d opbullnmorlltel undor ~~ conditions requltitbull to 11 loir oolo tho buyer ancl eampllor eech bullbull1ino prudently knltHYiodgubly and usurntng tht prloo Ebull not eHOlttAd bv undUltI inwus lmJ)iiclt In thlr dofini1lon the ltltgtMUmtn~tion ol bull af IPIltlifled deto Dnd thl poaslng or tidt ltom bullaJiar co buyer under oon4itlont wh~ttobY (1) buyor and wolltr ero Lyploanv motlvalltld 421 both panJsl art wnll infom~ed or 1dYid bullnd uch acting In who ha eonsidorbull M1t awn bs~t lntereot Ill bull roaaorlbullblo timamp is nllowod lor poevroln tho Ol)llt mabullbtl (41 lIY ibull medo in torms of ~bullbullh lrl u $ dollarbull 01 In tturno or flnonolel ~1111810nts oornp~rlbfo thereto artd (5) thogt ptlco lipiUIIItl rho normal caideratiltJn lor tha prop$ry aotd unefftc~od lly spociBI ot eroatlve nnancfng or ur ooWluslona bull granCed lly envone asbull soclarlld with the bullnit
bull Ad)ubulllmampolto to the acmp~roamplot mu~t be mede f~l 8ptclelat cres1iV9 finannlng or tlt~loa ooAonsiltgt~ No sdjuWYents bullrbull nao~orv
for tlto oo9t9 which ato 11ormally peid bv ttllilre 11 bull roeult ar trtdltlon or lew ln bull mrkot arbullbulll Ultse coots arerudlly ld911UII11No tlflus tht 1sller peya tMtt oootl In Yirtually ell eltlet tr~ntaotiant SPJclel ot orutlv liMnolng adU~tmontt can bt rnocle to the oommiddot plrable proportv ily aomptlisont to financing termbull offered by a third psrty instituric~lllandor thai io not afmtdv lnvclvad In tht propshyortv or trantecrlon Any Olltfjua~tnent aPtould not bm talaulartd on 1 meltgthbullnloel dollor for dollsr cabullt of tho ilnsnclng or oltmcot~lon but th~ dollar amtount of anv ad)ubulltmont ehtould apprlgtlCimato tht Markatbull rltbullaotlon to thl tlnonclnltr or ccncetlone baood on th~ onJ~Ufjorbull judgmeot
CltRTlFICATION AND STATEMENT OF LIMITING CONDITrONS CERTIFICATlON Thl Apprlliter ~artlllampbull ana reea thogtt
1 The Appr~llttr lult M prou11t or contemplollbulld futlire intorebulll in tJoe prcpbulllllbullpprlitampltl ~ncMithar lhs omJ)JO(mont to mako lite oppraluf nor he oom~~uutlon lor It Ia oantlngenf upon tho ejlpi~lbullad value of ho prGperrmiddotr
~ Thbull Apprmbullor hebull no paortallnter~al In or bias wfth repaot to th~ eubjogtet mtlter ol tho apptolool repo~ or tho pnr11clpanto 10 th oalo Tho eetlmlltt or Mor~at Vo11e In the lljlpraiul roport Iamp not ba~ In whola or In palt llpon the reco color or natlcn-lcHgin of thbull prcapoclfiM owMrs or ooouponl8 ol thapropJrlf eppralsod or u)on the taon ocor or notional origin of tho praunt ownoro or oocupantbull ol lito propartioe In t~ vfclnll( of rh~ IHGporty apprafbullad
3 Tho Appralttr hoe l)oroan~lly lntpeotad Utltl propwrty bolh lnaldbull ttnd a~r arltl ~ madbull an ooxurlot in1ptc1tan af ell cwnperehla bull~les ~~tod In lhfl npott To thbull but ctf tht Apprelearbull knowtodol~ sfd Hillel alt stttemenlbull and lnfarmotloh fn th~ roport 114 truo and bullbullmtal ~rtt tJe Apprel~ar h8t noc knovrngy wltllhtld ohV algnlneal1t lnfltJtrnatlon
4 All conlll~tnt end limiting ~ond1tlortt arbull GontalogtoJd hotoln limosbulld hy the termbull ol tha eoolgnmanl or by the LondtroiQnod olteotlngtlia anofJliOt Gplnloflt oond oonaluaonbull conralnad rn tha Fei)Ogtrlt
5 TNbull opproiulltpart has boon made In ~bullmforiTlty with ond Is oubreo( to tht ttqulr11lt1ampnto of tho Codamp of Pr~fassfanal Ethics end Stoinltlltls of Prolaolianal Conduort or thG bullpprnlssl GIQampnlznlant vmiddotlth whloh ~ha Al)rnlut Is afflneiad
8 All ooncluiliono end oplnlont concorrlno tlbulloo tatl aotbulltbull thst ort tet rarlflln tho apprUnl report ware prepari hv 1M Appralur whoto olgnoturo ooppoa on thltl ~tpproJI raport unlbullbullbull IMloatood a 11avltw Appralosr No ohenga of any Item 11 tho eppriiU~I t~port bullhall be mod~ by anyono othtt tluln ho Apptofnr ftnd lhamp Apprsleer ahall havo na rotponJbillly fer anv uah lttnouthodzed
ohbull~middot
CONTlNGllNT AND LIMITING CONDIIIOffil lt4rtlfialfllon of the Appraiser ~pp~lt~rtn11 In tM orppralsar roport Is subjaot to tna folfowlng oondttlons end to euoh other opecolrlo bullnciiiNJUng oondiHons u era aet forth bv Uo Ap(ltJieor in t~o rtport
1 The 1ppriHaer ~null4m M rslgtonslblijty for matte- of a legal neru affaotlng tha propampfV apptols~d or chbull titlt thbullrot~ not dcos tho Appralnr r~nltUt ~ny opinion bullbull to the tltlo whfh Is ftbull~m~d to bt good and matketnbt6 Tloa property appr41Ud es thouq h under tsspoleJbhbull ownerohfp
2 Anv tlltatoft In tlto r~tport may bullllow spproodmor~ dlmof$lona end fs lnolltlad Ia anlst th~ nad~r In oisuolfltlnQ th~ prop4ny 1M Apprsi~or hu made no svrvoy af tho proporly
a Thbull Appralosr io not qulrsd to ~lvamp tobulltiotiOl 01 appear in aouri bo~bullJIH of having m8damp thl appro1aal with ref~ ranco to Ute praportv in quetUcn unlaso arretlgemoobull ~avbull bbullon prlhi~raly mad OJ tftltmbullfor
4 Any dlbullttlbution of thltr valuation In lite rampport betwoen land nnd lmprovamtnts appfisf only urgtfar the malng prog~m af utiJI~otion The s-oparatbull valua11onbull tor lltnd ond b~lldlng tnuft not b~ Uliltld frt conjOncrioM with ShV aliter eppralslli and era invgtlld If to Uftd
5 Tha Appralut i~Jsumeo that thora ate no hlddon or un~ppsunt condlclono of thbull pt~p~ny eubactl ot strucntramp~ which waufd rendor It moro or lass vai1Jabi4 Tho Apprefs~r asournbullu 110 roponelblll1y tor tltr~h ctnditicent~bull or fM anglnaampring which rri~kt be required to discover auch fftctDn
8 Information ampS1iltnatet end o-piniont lurnlshed ra llta Apprai9et bullnd contained in tiN toport w~re obtornod hom ourebs oonsldmiddot orod reliolgtlo trd lgtnrtavad to bt truo and oorrect Howevar no rooponslbllitv fcrecrlllampey of eucl lome furnfohad tho Appraiser can bo BUUmod bv the Awrllsorr
1 Olactosuro of lite oontampnr oltho approJool ramppcrt fa gorned by 1ho9 Bvfbullwa ampnd fle~ul~1ions of rho protasnlonel ~pprohel orgbullnlshyl~tlona with which tno Ai=Pltbull~Gr is ~ffilialltd middot
4 Nafthor bullh nor bullny pert o( the CltltfG11 of tho tt~art Ot ~apy thet~of lincludino conolorolont oo to tho prop~~y vnfubull the identity of tnlt~ Approoor prohbulloiansl dlt~bulliglttlons r$loronc~ to ony jlrofQoslegtnill epplllal organiadono tho firm with which lho Approlnt ia connncttd) slutlt be u~od lot nny purpo~ lgty nnyoM but tho errant ~pooltl~d In tha repor tho bol~wor If approitol lu pnld by ~ovne tho mor1qo~aa or h$ Rtocurs erol nort)no morrgo~o lluurort conouitant profuofonsl dppraisef argnnllailtlmt any l~te or fllltlofllly optotovod finenol lne~tutian lny d~rgtbullrtmont agoncv or inttrumontaHy of doe Unt81 State9 or ~ny bullbull 01 lht Oishlot of Colutnbi~ without tfoe proviouo1 wrltttll oon~snt of tlo Approioar nobull bullhoU It bbull convbullvbulld by anyon~ to thbull Pltthll~ thiltlugh 8d~artiaibullltJ public rampIIIICiona news~ stflf or ocflor mbulldia wftfl)lft the writt111n CCnlont tl1id opprobull1d of Ula Appt~Sl~u~r
9 On 5iJ CJPDrehilll$ $Ubject to ~ldetactory cotnplrttlon rnparl or alt~ra1iDI9) thn epornlsnl -JCIrt ~~gtllf - ~r--~lt1slon Utl conHnmiddot gllnt upon coflyen1amption ol lho lflrevel)entl Ia a wnrkmanlik$ m-omr1Gr
BORROWER Dobkin
PROPERTY 6fl2() Lfdo Lnne rottr lleach ca 90803
Appraloorlbulll
YAioNbull~ FbullrrJt- MoM ~-m41~JULU-1 Fltlfm 1co~ n JJ~ 8~11
Dwyer Appraisal
Ftre No )illQ2_
~UP~~~~--------~-----------------~------------------------------------~p~~~ll~~~~e------middot----middot~------------------------------------~~---middotmiddot-----
f--Citv I~ Seilt~ CCUQ1 ~~middotlu---------~---~2i p_Codo_90ll3ltgt=-----~-__ Londer alASpound ~HioiTAii fUHltI~L tll27
AlPJlAISBi ClmTIFICAIIONS amp COMPLIANCE lllTH FIRRA REQUIREMFNlS
bull The puiJl1lle of thif f)Pgttlul b to estlllato hlr Harket Value as cleflnol In tho attamplthiod FHLK( fern 4J9of tt- bullbltrle deo~ribed real ~rty lhia appllliwt 1s f9r thamp SGt and txcl~ntv u1e of the ~e described ~~Cl l~tbull
lhta eAOreiL nay bo ~bulltd for federally ftlated rort~ lcall prrpous $bject to title XI o1 tho FIMnbullfbulll Insettuttcns Rtfon r~E~Wr) EllfGltcanetot Act of 1989 (IIAA61) The 1Mers1~ oppralter(a) aekrQtledg= ~flet thoy have rMd end Ydarstand tle Utfor arlfard$ of Proloslotw~l ~alool Prectf 1USIP 1 at they ~tocl end y bt atltndod 110lt1 tlre to tiM by thamp twrbullhal StIWdartfs gtard of the 4fgttaisal fonlatton ~rrl u trplenbted by IIOd 1nco~rsted fnto the oce (Off1oe of the CAlrtptrctltr of thamp Currency) ~Uqulatmiddot gtIU 1hla llgtrisampl QOIII)l with ilCC RegJlationt PSgtlt1 tfgte tlnl10~JI $tarderltls of Prof-teN~ P~cttca (IJSPtP)
the legal dorlptl011 9f tile prltlf)erty u ~on t~~ fi((t ~ of tMt t~R~rataal regtainod frm tha cnnty teK uunws riOOIds
middot ot-r ~rltgtd 11hlch ort eotiQred to ~ relloble- but Mt liJ(Irlltltoed Tho tot atgtd trs~t n~ lldar the aueuara par~L nlbller ~ra nsiIGIti lld~taly dtscriptlve ~ ~~ ot bull prtlbrirv~ry ti~lt report WIIoS rlaquoJUsted fron tb~ l~r bvt rltrt reeelv~ at the tiM llf loMe of this ~hsL
Th ~rlllampil$ eJtill8te af Nuaratgtle 1111rkttlng tine for ampAlje~ p~rty eelriltl~ ~hh the rlcetlng tiM shgtlm Cfl tht frolttt pogo It also rntated In the roment section en the nOOIICI ~ of tile lj)lltafaal
If tho tlbletta sa b val~ Is difforant thoR tite Estltcf valtJe t1~ val~ 11Hl bt stated in th ~te~oocfl btftlrl seetlcn of en rahal lepartlf thet are tne u~~e Qnly tigtQ aa 1 wlu~ 11 atatodA buH4fllQ Uldbullr ()()MtructOn ar In gtelaquolt of rqraquolra cr slttratfcns ll rerplre tilbull 1Ettita of llltrrktt vatbull lth tho ~~at~ 1albftct te box beilll chckocl Stlt thbull bac~ ptge of the ~pFn~iaal repon bull tha infanrat1et~
he scrpe of tMt flrahal frtoOlvod data oollettlon frcn vtltOIJa =r~t ta-fdered to be roliotblltJ 001 ~~ gvarantetd tn~ltdirg bst Li11itld to llblQ r~rd infec-t~Ltfa obta(hed flllfl hi lol COInty re=derbull Offiee Tll~ ll4tbQJfd1 t~oc Dmar local ttJttfple tlng a~vice1 buyen setteramp alli real ~t4te brQI(tra tooflrnotion Uo$ mt by ~ros~-cfleckirg fnfcr111tion ~ith tilt rorcu ntiCIlld middotthe llt~tultamp ere then repoltld fn the QWItlprfiltamp lrxirtftr~ on the bullr1lrel~l rtpOtt o~ ldd~lho pr1Mry data liOWCH bullrot provided the grid sectfoo lltfllt ap4U parnlb A phy$1cll 1npect1cn of tht fnt~tlor Itd exterior of the tlbject lrwerty 111 corjucte at ldltcl e thbull Epllraiter urilt t~o projlOrty l c~~loolated tlte orproJf-te l(fJare foe~ of l lvfrg amptea lhe ~raiamper tiiEtl ltIIcentltbull by tho fret
middot~h of tho laquot~~p~~rlblbulls ~nd tekh~ lIOtlta as to tMfr a~rrlftt ~leltol claquoldhioo for wul~tioo of their aolitiCII 11t ti~~e of salt
lhlre lilt~ rtl 11gt0141 pcraorat ~rty ttllfiS f1Mtut or tnt~rgb~t 1t~4 1101 notrolly ccnoidere bull part at tho rl MUte 1ncltdiod in i)raisod vatue of tht Pject ~rty My porKIIIl pr~rty iJ ~rteltl ltgtn l ttparete a6teldJ
the trltferbulllg~ed awratr(a) preaergtt end eertlfy thlrt~ (4) tt1e BProfoal auig1-t ~bull nat bas-M lt401 reqJtHIII nfnilltJil Vlluatflaquol eel fie valoetlro or tre owrltml Of toanBl etpiO)Wit of the appraiser wu rltrt oorditlmed OJgttO the awrabel produeii1Q a ~poet fie Jot or 10 1111lut vithfn a givon r9hgiJ CClfuru~ ~~t h rtGt d~~t qlCll en apprlhal prQdJclng a speelfie vatubull (D) amprp~t gten~atlltn ard fvtue eoplCY)lOnt Ire r-ot lasod ~ llllt~ leon lpPlicttioo h tppro~ed ltElnetlgtor the awrats rar any pelt(tl ~itlt
JOrerahlp intbullr~bullt In the ~ tqllaying the Gwrainr b rtla~~ to or hoa allj Wttrship or cthltr tlnncal lnterost 1rt eitller lxlildeobulldcvbulliper aeLler buoftr ror~e bttl~or Ct rtlt~l estate lltQk~r~~rsa (or a~y ~nM relatod to any of dlltr) irrol~ed in tNir~ti~ f) ihfoh this appntisal luu ~ raq1estod or utth th the l()t recalt nle or ratlnancfrg or irtY ll(OltIIty usid u a lttr11bte praportylogt thh epp-alsal ard (I) th lp9raiser h not ~~~o~are of tllf f~cta lhiltfl uould dtaqu~ify the frtn bcdng deelt to btt rwfeponrlltlft epprehel far ~rjlltI~H of $ltJQtion ~4S of th~ oee A9lotloo AOgulatiCgtlo
The IAdersignoltS apprainrCgt) h~relr ~ogtknltgttl~ ancl ~rtify that t~ltsy ar fbullJll) qBltliod ard Ogtltpqtetlt ly their training boltlge amp rience to f)rforll thh appr~hbulll II ~fter acltejgttallle of the ~tlgtrahol IHS lggtMt ald dullng the OJru of cordtlct f rg the ~wr~isal FPrampisr diac011ero tllilt tnoy ore rot fully ~t~ to jgtdrfor th owraiulthe ~ta~r will OOrjgtly vlth tht Coopetency ~ravtslcn SPAr
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6020 lido lane long beach ca - Google Maps Page I of I
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DNyer Appraisal
___fgJ~~lri Proa rtv Addrau ~ ld9 tBM -~middot County lolll~tt ___J~ Zie Clllt ~
LKndet ClUE ~~ltATTolll fiiWICtAL (JIQ
AIgtDINDUM TO APPRAISAL
Ojt 1 loeaud witlbullitl t~e city lln1t~ of ~ Bead) Callt~fa IOrll Seech h toutod llgtrodnaUly 239 nie$ ~h o1 lA~ Jgamplu the ~llty seu o1 10 lneles CCUty The pl9atnt J~QpJlat fQl o1 lAtl Bead h lllPIgtthattly COO vi thin It 4971 tlll~ lle~ lhe ci~y Is bGrdered laquo1 the U)rth by lampblootl the $dfltf1 by u Pacific Ooeltl tl14 Vet by Olr5Qrl Std Latlta lld the East by Sql bullad end los Al~ltoa (OriJQe toTJtygt tt ia eUo bordered en ~flo lleat by tfle lcni Beldt CT10) FrtltMtf tlo llorth by the Sen Dieogt middot-y lmiddot~) allll the Salt by tiM san ~lot Rlwr F-y (I-60$) OottVtlertt 1~y middot~-s II I hlcflly lrelgtlo ftaturo tor bullbullfdlnts otto ~rte t the a~bull
thougl1 the city Is plfnar1ly 11 ruldtntal tQOUfty a stbsturtlat prtl01 a1 lWld 11114 Hsllfved tor trdJstrlal ~iat lit( Dfflcbull rtldlltiJS u~o lfajlaquoo siqlflllll COIIpltxa are acated th~t tte ity Cbulllitorni State llnlwrslty Wid IDrg Belich City t6lloge ere bulleated ln toog ampMch amp~ill to loroer Prb ale SQItttrod tnrl)jgcJt the city far tile re~oation usa of the resldoota
e fident1~l ~Xltmnides bullrbull cha~ttertlect lfith a 111Xtlltll of restdlltialvi~s tqing fll arell oldt loxl frlllle airqlamp fenily ~as ta l11rger1 rltNOt1 ~ra ~rn trset t~ txbulltng wlli~h bullr~ ~~lble ciJo to tke 11o1t11tt aitt fnfucn~
lje-ct t Lacatod In tJo SCYtbeat coMer of ltng Be~cit in ao arM alown u Naplu llpl03 h an iamplencl In tl1e eorttr of e 10g Botsch rfna and 1a IICicnuble fr011 he Ean bullnd tloe lint by Sa=d Stlttlt
bull rntigbolflood OOil4itU of avetbilebullgood ~bullelHy 01111-thrltlltl story detadled houus rliIQitgtg 1n elze frltn 1100 to SOCO ~~ ftet -r aecltou h appiQKItoly thrlt111 niles tut nt Nifborlood ml~ good lntwnt llt~ela Scxgth WwiJ ald rtlatd Vi~es orbull ~tntly QcaUd to the p~rty tie botlrdarl of t1le nefgfilomood ~~ct~ld ~ tM hlsnd faelf
~ faUna ts a hidllY dtagtle Gnd pre3tfolcus pllcente to Ulltt ltm Its grtat locatm j pttgtltity to tte ~at=r Tte lota arrood tilamp 1bullifOlter ot th4 itnf havt tJc3t dock to tile Net liUh tM obtfty to 1c~tt 50bull60 +ya-tu Dnttra of th4se ~~ have dlre~~ eocua
thofr OOta fred the r~r af tht pfQletty will ch can thelt be Moiuted thJQUdh tho ~ l cut to the Pat Ifie Olelaquol the hmu lrltMd bull l)fgtrf~teter olIIO hlve ~llent vie~~S of t1e bly 1d eft) llihta For ruldmh COl 1nte~lot Lab 1t It ltny a lllort walk to llfll of tlw V4te bcl-et tr the tidents and tMbullM prtl to w~ llcmu cr1 fnterlor tot t)l)1colly r-arg= In 1181114 11011 $150reg to ~tn)r
e~ the por11Mter ~th llllter frcntiiJI tgtP1ealty r~r99 fiQ1 SVXOOCO )Igt StOOCOOI- Thbull t~ In the IJJH b tC71Mrd~ the rexJHdlrg Otititien to rrdor ccnptota HnOcletlng of all otdeJ heriot tile hond ampooQ tM gtltltfMUI odjKeot to thamp bllltld Th1a trend
~~ltthelt-- tile rtobilfty of Mrka~ lamplue$ in the aNa
Dwyer Appraisal
Filo No
_B2~ttSilpn1 COOle In
Pbullbulluru l~st 8l20 Lido L)) Cllpound~~cfl C~llL2~bullLa Uabull c 2Q~ltIdbull ~
~middot----lendbullr CHAS ttAHKTrAN FIIIANCIAL tW
ADDENDUM TO APPRAISAL
XTERIOR FEATURES rtOIIltlc (ltIn tbtrs) $prinkler ampy$Ctn tn jrllrlt amprr yafltlp
wltold amp gottd llfltry to tht front dltlor provd~ privacy at 1141 u a frcnt patio for lddhiltt111l fbullnctio-at utility oblld p lltltert in t~ frltnt amp r r yard 1sta1 dr111CIIIIY Ia nade of aalld flags~
~~ front porch is~ of solid fl~tONO
111r yard enoleooed ootith a~middot hi~ btoek ~lt Thh proYidlte9 aitiONJ~ ueurty li~t obstru~tlng tile bay vie~~
CJJbulltltlll luilt bullPI in tte frat QQ(Itt)llrd bull 11 patio bullnbull elso hu 1 bulltmiddotfn 18Vfi~ft
lttio a~s t~s tM r of 1lltJ- b llco(e of solid fl]ttltllo
rt of the riNr patio 1~ It CfMbullrltJd by ttl~ seoni lelto~ol dedc
~TERIOR FEATURES JIIIStDIIII ftcarlng In MtJY hltJllnlf I t~~ m thegt 1bullt Uvl 1 sCCIId lbullvbulll Is all 2~~qJare 1111rblt YilOltXf qJJotty eubulltat e~gtrprtitiQ th~ the root of th om Item h~~~ qUII ity Stow-oo ayttn tlulCIltt the ~
J Cfllllity hcurlt) syatern th~t Joillltfl ta dNgt~t disl to a sacu~lty JK~nltorl~ Jbullrv1 ce nt~t len shutters thr~ tcglt~thar wf th 6tioer CtJbulltOltI ulndr1t eowri~bullmiddot
etaold llV~IJl9 dl~t -t prflllr) rcons ord t~Llolllys
to 12 ooilirQS tb~ ltlOSt Of tho hi3e bullll~tbull ere ptaced bulltrateic~lty thrctllflalt taD IClWII mot41t~t tlvalgtool tht houso rn tfoe addltOfll bedJQOM JtiiIOfef Uo((frdle dltxgtrt rt is 1lao a Mp~Jrato wine ltollar gt1ich h tlle~tatiClltly t~rswro I ~lfrate taltrollcd h a lourdry chute fiOIf tl~ llpl)r tel(a) to the lalndry ~ ~~~ at t_ lCooer lemiddot~L
TCHEN ot~rtopamp In fctttMn are tolid ~rooite
itOOltI flco~iJ In kitclen i nd area
Jlll~ cOltok~ aU othe~ top ctlIQIty lilltes amp fl~t~res und In tnt ktt~ as OMlL as the bullbullbullt of tho hoobullbull amp il a ampefgt6rete fet at thbull kitchen sl~k for inseartt hot lllltiH
- is a mr~ 114kmiddottn jlllftry lttich h bull very ~lrabla fbullbullturt usUIlly fafd In larlts rn tMt t~
bulle h IJ lalge built-In ref~ig9flltalt-tob-zero 1reeter lith the front ps~elamp Mtchlrg Uo cablrgtlttJY I~ the kltclltn
lULV ROOM fQnfly rogtOfllllls its on firqJlace
STER BEDROOM amp BATH llll$ter gtlaquo110011 fs Vol) ~paclobull tltch fa a typieal fcatTJre for thi~ ~ amp ptloe ~of ro ~ h a sittlrq area or retret~ at ltgt1~ End of th~ lliISter beiroott taster bedRltln has ita firepllaquocentB lotlfch h triliiTed 1(111 norlle l~ tlt~ ftooriJ9 thJt1-IGhJt JMst~r bath rzi tlb in IllS ter bath 1 ampt-alor wt th clxibte shltloer hctado
h a t6r~ llalk-in cloet in bull~tr trooo 11tt~ buHtmiddotin orgbullniz amp ol-olve$ Le amrcqJI In rraquottor bllthCan
lNG ROOMDINING ROOM -o 12 ceHI~ in Uvl19 ~ tving roar h11 it 1$ Qllll ffrplate llttici a tr-fmoeltf uith rarblo ont co t~o dinllg roro thQr h a bar rem JJth e w$lkmiddotbehtrrl llH bgtr th~ 1aro1ly ftJoCt1 with a luilt-fn ref~t~rator amp fc Jor n stulptulOd c1rpetlrq in the livfhJ roato ard lldJont trca3
IA(E bull~biO n qood qtelity ~Llmiddotup rr- doors wHh liample dcor qJltn~rs bullilirqbull amp ~alls in the qgtragbull are finiohelti ot ~bullt~r ~tor hltla a rbullmiddotelrwlbulltlf ~ lottich plOIbulli~centamp notMt hgtt lf~ter to praoticany ort(tero t~ the hOJs~ 11t to tbe 90rigc la 8 ~tre cellar middot-et ba- liN 112 bllth
~-===~----
Dwyer Appraisal
-iUPt-~~JL__ lroarty 6lt1bull~11 (lRtJ lob le
~~altl Cauntv~~ sra~ C4 II a~e lalll Lande1 OIA$E rtNII4TfAN FIIWICW eolt1
ADOitNDUM TO APPRAISAL
lnal Reconciliation
bullr Nl$ llo 1blo Reccrd5 $~bjeot has nat ~euro11 ~fated or told tn the pKt 12 rrcntlts ampnd h nat pr~$llntly listed
te nat cttampttt bull~u activity tn touthHrt california II e11p1rfenoif9 Lilli ted aetlvh~ dUo to a tlt~gglah OltOOft lotile ptql~rty vallo$ pear to llttve lttoclfne tn eore 11rtas other etelt~t are ~~le $ tlaquoM areas hll aGtuelly lncnut fn vat~ A pertloular llef~barlold fVIf Prfmce lhat ~r$ to be Iii t~~ary cleltline fn ~talue ldoltrt nveral ~r-s 1eve an wgent nHd ta aell lara aU ~t1rq for thl middot111hed nlnigtor of bitter~ llll~gtfbble Thfa h -ftered to be bull telpOnoryo aftuatfcn lohfch will oorreet Itself 4hen tM tOIIIXIral) Ooert~ly ~ b ebtorbod amp detend fncr111nJn bull111~ Ioiii~ hllgtl~ txperferncd laljle orplO)lMt ~ffa or oloVte of lalfe renufacturi~ plllt1t e rtcwery petofod formiddotp~ty v1tlut $ thl stobHlzatlcn of ~lfmng Yll~ claquo~lltl be atttantloUyiClIQltr amp lOft sown thon tEIIIlOrsry
this CQldltfltll is ratld or ena arprmf~r h ~$rt of It I~ l$ ~tod en bo amplfSl8rat~ adclrldln Nrefn middot
thh 11sprabal anfgrncntcal4ful ~~IGltI ot all curlltrt Mrket dllta wu conafltlerod ~llfch inclLdcd analy~1a ot cu~rmt ll$tlngs penii~ les aa wll ~ tJqtrld and -l~ lhtt~ P~lng aales 1rot~ltlthn 1 gfvm ratkat ar~ can rerg in vamplue wbst~ietly ~lng lfv~rQ area rccn cortt anenlties ncltrlng view or lllcc ot Vflll and 1q~~ta ~ ~tfa1 lf there litre pending MlM ~tlfdl N aio~~llal to subject In ovtral~ rarket Ollll4St1 cne Of~ of thtsa ~fng sslobull Mite beelt fncl~ fn thh tltport rt there 1111r1 no liHir per-ding ales ptnd111J alet lhich ~ltere not silttlar Ore not Usqd lhe u o1 ranbulltlnf lor Mles ~oWld Tlt~qJire thm vn of excQsfva 1 etbjetiw adjus~s leodfog illes 11119 adequE~tely teflect curr41lt ltlrklot derltJltf ~Mingo les of ptepcrtles stnflar to stbject at fees l~r thlo rtelt closed sal are gfwn tho roampt lieigntPendfng 14~ laquo f~gtlltr ~rtles hil1ltr prt-1lt1 than r~t eland sales 1 g1v151 o~~fniMl wf~t sin- tie~bull fa bull poulbllftl tlllt thay ftlt nat clo~e aaerou for a VarfOU IIUber of reafiOM
led ales withfll thl jlolst 30~ drtt aramp IIOlt raLteble alllcento tMy hlrw ctOltHQ amp Urrt are -t recent II tllo ebtenca qf reltenC eloeed gtendfngo satu 111 ~mtyenab f CM~ llstlnga ws also ~~ted ~in thitrt 1M be a llidbull ta~ t valuoa -llllble tor Uatl~a far 1 lfll~ tf abooa llstrga prlcad out ltgtt llfoat ~rata be reailcrollbltt range of wlut Wllftt not ccnalderol ~ und In tht rtthey hlaquovtt btco adJusted to t-4 prebogtlt ~~Gmntlllit a1 Mlt ta liat pric es reparteltt by tile Local 1Jltiplamp ~ittliG Service Further iuatmnts aN then ~eased en teatur~a coodftlcn etcent Hfnltral ~tight h given to t fatfnga ampitgtU they tore clrly d~trate til ~ lfroft of value for PtQPa~ths tfllilar to Sllbjet~t ftOir stbjeets narlcat Gru ~ are hMfr tile ro~t CYrrllt deta a~~ampftabl~ If cne t110 lfetlrgs 1evt nat ~ inotude In thl$ rtp~rt fn lieu of peldiJ sale t I$ becaue~ tfl~u ~bull nane ampYallabl~ coosldotrod to ba 1flar to stbullbject 1Qn-slllllor properttampS IIQIIld agin rltUir~ tM u- ot egtltltauw ZII1CIor Oj~t altljuatts tl1cn ckfeet th~ p~rpase Or bull eo~rabte t~lamp middot
middotmiddot====== =======~=--~----middot---bullmiddotmiddot-----middotmiddotmiddotmiddotmiddot~middotN---middotmiddotmiddot
FotbullN 32590~ DEFINITION OF MARKET VALUPIhe mott probaWo pric~ which amiddotpraporty ohOltifd brlnqin e bullampolfdve bull~d opbullnmorlltel undor ~~ conditions requltitbull to 11 loir oolo tho buyer ancl eampllor eech bullbull1ino prudently knltHYiodgubly and usurntng tht prloo Ebull not eHOlttAd bv undUltI inwus lmJ)iiclt In thlr dofini1lon the ltltgtMUmtn~tion ol bull af IPIltlifled deto Dnd thl poaslng or tidt ltom bullaJiar co buyer under oon4itlont wh~ttobY (1) buyor and wolltr ero Lyploanv motlvalltld 421 both panJsl art wnll infom~ed or 1dYid bullnd uch acting In who ha eonsidorbull M1t awn bs~t lntereot Ill bull roaaorlbullblo timamp is nllowod lor poevroln tho Ol)llt mabullbtl (41 lIY ibull medo in torms of ~bullbullh lrl u $ dollarbull 01 In tturno or flnonolel ~1111810nts oornp~rlbfo thereto artd (5) thogt ptlco lipiUIIItl rho normal caideratiltJn lor tha prop$ry aotd unefftc~od lly spociBI ot eroatlve nnancfng or ur ooWluslona bull granCed lly envone asbull soclarlld with the bullnit
bull Ad)ubulllmampolto to the acmp~roamplot mu~t be mede f~l 8ptclelat cres1iV9 finannlng or tlt~loa ooAonsiltgt~ No sdjuWYents bullrbull nao~orv
for tlto oo9t9 which ato 11ormally peid bv ttllilre 11 bull roeult ar trtdltlon or lew ln bull mrkot arbullbulll Ultse coots arerudlly ld911UII11No tlflus tht 1sller peya tMtt oootl In Yirtually ell eltlet tr~ntaotiant SPJclel ot orutlv liMnolng adU~tmontt can bt rnocle to the oommiddot plrable proportv ily aomptlisont to financing termbull offered by a third psrty instituric~lllandor thai io not afmtdv lnvclvad In tht propshyortv or trantecrlon Any Olltfjua~tnent aPtould not bm talaulartd on 1 meltgthbullnloel dollor for dollsr cabullt of tho ilnsnclng or oltmcot~lon but th~ dollar amtount of anv ad)ubulltmont ehtould apprlgtlCimato tht Markatbull rltbullaotlon to thl tlnonclnltr or ccncetlone baood on th~ onJ~Ufjorbull judgmeot
CltRTlFICATION AND STATEMENT OF LIMITING CONDITrONS CERTIFICATlON Thl Apprlliter ~artlllampbull ana reea thogtt
1 The Appr~llttr lult M prou11t or contemplollbulld futlire intorebulll in tJoe prcpbulllllbullpprlitampltl ~ncMithar lhs omJ)JO(mont to mako lite oppraluf nor he oom~~uutlon lor It Ia oantlngenf upon tho ejlpi~lbullad value of ho prGperrmiddotr
~ Thbull Apprmbullor hebull no paortallnter~al In or bias wfth repaot to th~ eubjogtet mtlter ol tho apptolool repo~ or tho pnr11clpanto 10 th oalo Tho eetlmlltt or Mor~at Vo11e In the lljlpraiul roport Iamp not ba~ In whola or In palt llpon the reco color or natlcn-lcHgin of thbull prcapoclfiM owMrs or ooouponl8 ol thapropJrlf eppralsod or u)on the taon ocor or notional origin of tho praunt ownoro or oocupantbull ol lito propartioe In t~ vfclnll( of rh~ IHGporty apprafbullad
3 Tho Appralttr hoe l)oroan~lly lntpeotad Utltl propwrty bolh lnaldbull ttnd a~r arltl ~ madbull an ooxurlot in1ptc1tan af ell cwnperehla bull~les ~~tod In lhfl npott To thbull but ctf tht Apprelearbull knowtodol~ sfd Hillel alt stttemenlbull and lnfarmotloh fn th~ roport 114 truo and bullbullmtal ~rtt tJe Apprel~ar h8t noc knovrngy wltllhtld ohV algnlneal1t lnfltJtrnatlon
4 All conlll~tnt end limiting ~ond1tlortt arbull GontalogtoJd hotoln limosbulld hy the termbull ol tha eoolgnmanl or by the LondtroiQnod olteotlngtlia anofJliOt Gplnloflt oond oonaluaonbull conralnad rn tha Fei)Ogtrlt
5 TNbull opproiulltpart has boon made In ~bullmforiTlty with ond Is oubreo( to tht ttqulr11lt1ampnto of tho Codamp of Pr~fassfanal Ethics end Stoinltlltls of Prolaolianal Conduort or thG bullpprnlssl GIQampnlznlant vmiddotlth whloh ~ha Al)rnlut Is afflneiad
8 All ooncluiliono end oplnlont concorrlno tlbulloo tatl aotbulltbull thst ort tet rarlflln tho apprUnl report ware prepari hv 1M Appralur whoto olgnoturo ooppoa on thltl ~tpproJI raport unlbullbullbull IMloatood a 11avltw Appralosr No ohenga of any Item 11 tho eppriiU~I t~port bullhall be mod~ by anyono othtt tluln ho Apptofnr ftnd lhamp Apprsleer ahall havo na rotponJbillly fer anv uah lttnouthodzed
ohbull~middot
CONTlNGllNT AND LIMITING CONDIIIOffil lt4rtlfialfllon of the Appraiser ~pp~lt~rtn11 In tM orppralsar roport Is subjaot to tna folfowlng oondttlons end to euoh other opecolrlo bullnciiiNJUng oondiHons u era aet forth bv Uo Ap(ltJieor in t~o rtport
1 The 1ppriHaer ~null4m M rslgtonslblijty for matte- of a legal neru affaotlng tha propampfV apptols~d or chbull titlt thbullrot~ not dcos tho Appralnr r~nltUt ~ny opinion bullbull to the tltlo whfh Is ftbull~m~d to bt good and matketnbt6 Tloa property appr41Ud es thouq h under tsspoleJbhbull ownerohfp
2 Anv tlltatoft In tlto r~tport may bullllow spproodmor~ dlmof$lona end fs lnolltlad Ia anlst th~ nad~r In oisuolfltlnQ th~ prop4ny 1M Apprsi~or hu made no svrvoy af tho proporly
a Thbull Appralosr io not qulrsd to ~lvamp tobulltiotiOl 01 appear in aouri bo~bullJIH of having m8damp thl appro1aal with ref~ ranco to Ute praportv in quetUcn unlaso arretlgemoobull ~avbull bbullon prlhi~raly mad OJ tftltmbullfor
4 Any dlbullttlbution of thltr valuation In lite rampport betwoen land nnd lmprovamtnts appfisf only urgtfar the malng prog~m af utiJI~otion The s-oparatbull valua11onbull tor lltnd ond b~lldlng tnuft not b~ Uliltld frt conjOncrioM with ShV aliter eppralslli and era invgtlld If to Uftd
5 Tha Appralut i~Jsumeo that thora ate no hlddon or un~ppsunt condlclono of thbull pt~p~ny eubactl ot strucntramp~ which waufd rendor It moro or lass vai1Jabi4 Tho Apprefs~r asournbullu 110 roponelblll1y tor tltr~h ctnditicent~bull or fM anglnaampring which rri~kt be required to discover auch fftctDn
8 Information ampS1iltnatet end o-piniont lurnlshed ra llta Apprai9et bullnd contained in tiN toport w~re obtornod hom ourebs oonsldmiddot orod reliolgtlo trd lgtnrtavad to bt truo and oorrect Howevar no rooponslbllitv fcrecrlllampey of eucl lome furnfohad tho Appraiser can bo BUUmod bv the Awrllsorr
1 Olactosuro of lite oontampnr oltho approJool ramppcrt fa gorned by 1ho9 Bvfbullwa ampnd fle~ul~1ions of rho protasnlonel ~pprohel orgbullnlshyl~tlona with which tno Ai=Pltbull~Gr is ~ffilialltd middot
4 Nafthor bullh nor bullny pert o( the CltltfG11 of tho tt~art Ot ~apy thet~of lincludino conolorolont oo to tho prop~~y vnfubull the identity of tnlt~ Approoor prohbulloiansl dlt~bulliglttlons r$loronc~ to ony jlrofQoslegtnill epplllal organiadono tho firm with which lho Approlnt ia connncttd) slutlt be u~od lot nny purpo~ lgty nnyoM but tho errant ~pooltl~d In tha repor tho bol~wor If approitol lu pnld by ~ovne tho mor1qo~aa or h$ Rtocurs erol nort)no morrgo~o lluurort conouitant profuofonsl dppraisef argnnllailtlmt any l~te or fllltlofllly optotovod finenol lne~tutian lny d~rgtbullrtmont agoncv or inttrumontaHy of doe Unt81 State9 or ~ny bullbull 01 lht Oishlot of Colutnbi~ without tfoe proviouo1 wrltttll oon~snt of tlo Approioar nobull bullhoU It bbull convbullvbulld by anyon~ to thbull Pltthll~ thiltlugh 8d~artiaibullltJ public rampIIIICiona news~ stflf or ocflor mbulldia wftfl)lft the writt111n CCnlont tl1id opprobull1d of Ula Appt~Sl~u~r
9 On 5iJ CJPDrehilll$ $Ubject to ~ldetactory cotnplrttlon rnparl or alt~ra1iDI9) thn epornlsnl -JCIrt ~~gtllf - ~r--~lt1slon Utl conHnmiddot gllnt upon coflyen1amption ol lho lflrevel)entl Ia a wnrkmanlik$ m-omr1Gr
BORROWER Dobkin
PROPERTY 6fl2() Lfdo Lnne rottr lleach ca 90803
Appraloorlbulll
YAioNbull~ FbullrrJt- MoM ~-m41~JULU-1 Fltlfm 1co~ n JJ~ 8~11
Dwyer Appraisal
Ftre No )illQ2_
~UP~~~~--------~-----------------~------------------------------------~p~~~ll~~~~e------middot----middot~------------------------------------~~---middotmiddot-----
f--Citv I~ Seilt~ CCUQ1 ~~middotlu---------~---~2i p_Codo_90ll3ltgt=-----~-__ Londer alASpound ~HioiTAii fUHltI~L tll27
AlPJlAISBi ClmTIFICAIIONS amp COMPLIANCE lllTH FIRRA REQUIREMFNlS
bull The puiJl1lle of thif f)Pgttlul b to estlllato hlr Harket Value as cleflnol In tho attamplthiod FHLK( fern 4J9of tt- bullbltrle deo~ribed real ~rty lhia appllliwt 1s f9r thamp SGt and txcl~ntv u1e of the ~e described ~~Cl l~tbull
lhta eAOreiL nay bo ~bulltd for federally ftlated rort~ lcall prrpous $bject to title XI o1 tho FIMnbullfbulll Insettuttcns Rtfon r~E~Wr) EllfGltcanetot Act of 1989 (IIAA61) The 1Mers1~ oppralter(a) aekrQtledg= ~flet thoy have rMd end Ydarstand tle Utfor arlfard$ of Proloslotw~l ~alool Prectf 1USIP 1 at they ~tocl end y bt atltndod 110lt1 tlre to tiM by thamp twrbullhal StIWdartfs gtard of the 4fgttaisal fonlatton ~rrl u trplenbted by IIOd 1nco~rsted fnto the oce (Off1oe of the CAlrtptrctltr of thamp Currency) ~Uqulatmiddot gtIU 1hla llgtrisampl QOIII)l with ilCC RegJlationt PSgtlt1 tfgte tlnl10~JI $tarderltls of Prof-teN~ P~cttca (IJSPtP)
the legal dorlptl011 9f tile prltlf)erty u ~on t~~ fi((t ~ of tMt t~R~rataal regtainod frm tha cnnty teK uunws riOOIds
middot ot-r ~rltgtd 11hlch ort eotiQred to ~ relloble- but Mt liJ(Irlltltoed Tho tot atgtd trs~t n~ lldar the aueuara par~L nlbller ~ra nsiIGIti lld~taly dtscriptlve ~ ~~ ot bull prtlbrirv~ry ti~lt report WIIoS rlaquoJUsted fron tb~ l~r bvt rltrt reeelv~ at the tiM llf loMe of this ~hsL
Th ~rlllampil$ eJtill8te af Nuaratgtle 1111rkttlng tine for ampAlje~ p~rty eelriltl~ ~hh the rlcetlng tiM shgtlm Cfl tht frolttt pogo It also rntated In the roment section en the nOOIICI ~ of tile lj)lltafaal
If tho tlbletta sa b val~ Is difforant thoR tite Estltcf valtJe t1~ val~ 11Hl bt stated in th ~te~oocfl btftlrl seetlcn of en rahal lepartlf thet are tne u~~e Qnly tigtQ aa 1 wlu~ 11 atatodA buH4fllQ Uldbullr ()()MtructOn ar In gtelaquolt of rqraquolra cr slttratfcns ll rerplre tilbull 1Ettita of llltrrktt vatbull lth tho ~~at~ 1albftct te box beilll chckocl Stlt thbull bac~ ptge of the ~pFn~iaal repon bull tha infanrat1et~
he scrpe of tMt flrahal frtoOlvod data oollettlon frcn vtltOIJa =r~t ta-fdered to be roliotblltJ 001 ~~ gvarantetd tn~ltdirg bst Li11itld to llblQ r~rd infec-t~Ltfa obta(hed flllfl hi lol COInty re=derbull Offiee Tll~ ll4tbQJfd1 t~oc Dmar local ttJttfple tlng a~vice1 buyen setteramp alli real ~t4te brQI(tra tooflrnotion Uo$ mt by ~ros~-cfleckirg fnfcr111tion ~ith tilt rorcu ntiCIlld middotthe llt~tultamp ere then repoltld fn the QWItlprfiltamp lrxirtftr~ on the bullr1lrel~l rtpOtt o~ ldd~lho pr1Mry data liOWCH bullrot provided the grid sectfoo lltfllt ap4U parnlb A phy$1cll 1npect1cn of tht fnt~tlor Itd exterior of the tlbject lrwerty 111 corjucte at ldltcl e thbull Epllraiter urilt t~o projlOrty l c~~loolated tlte orproJf-te l(fJare foe~ of l lvfrg amptea lhe ~raiamper tiiEtl ltIIcentltbull by tho fret
middot~h of tho laquot~~p~~rlblbulls ~nd tekh~ lIOtlta as to tMfr a~rrlftt ~leltol claquoldhioo for wul~tioo of their aolitiCII 11t ti~~e of salt
lhlre lilt~ rtl 11gt0141 pcraorat ~rty ttllfiS f1Mtut or tnt~rgb~t 1t~4 1101 notrolly ccnoidere bull part at tho rl MUte 1ncltdiod in i)raisod vatue of tht Pject ~rty My porKIIIl pr~rty iJ ~rteltl ltgtn l ttparete a6teldJ
the trltferbulllg~ed awratr(a) preaergtt end eertlfy thlrt~ (4) tt1e BProfoal auig1-t ~bull nat bas-M lt401 reqJtHIII nfnilltJil Vlluatflaquol eel fie valoetlro or tre owrltml Of toanBl etpiO)Wit of the appraiser wu rltrt oorditlmed OJgttO the awrabel produeii1Q a ~poet fie Jot or 10 1111lut vithfn a givon r9hgiJ CClfuru~ ~~t h rtGt d~~t qlCll en apprlhal prQdJclng a speelfie vatubull (D) amprp~t gten~atlltn ard fvtue eoplCY)lOnt Ire r-ot lasod ~ llllt~ leon lpPlicttioo h tppro~ed ltElnetlgtor the awrats rar any pelt(tl ~itlt
JOrerahlp intbullr~bullt In the ~ tqllaying the Gwrainr b rtla~~ to or hoa allj Wttrship or cthltr tlnncal lnterost 1rt eitller lxlildeobulldcvbulliper aeLler buoftr ror~e bttl~or Ct rtlt~l estate lltQk~r~~rsa (or a~y ~nM relatod to any of dlltr) irrol~ed in tNir~ti~ f) ihfoh this appntisal luu ~ raq1estod or utth th the l()t recalt nle or ratlnancfrg or irtY ll(OltIIty usid u a lttr11bte praportylogt thh epp-alsal ard (I) th lp9raiser h not ~~~o~are of tllf f~cta lhiltfl uould dtaqu~ify the frtn bcdng deelt to btt rwfeponrlltlft epprehel far ~rjlltI~H of $ltJQtion ~4S of th~ oee A9lotloo AOgulatiCgtlo
The IAdersignoltS apprainrCgt) h~relr ~ogtknltgttl~ ancl ~rtify that t~ltsy ar fbullJll) qBltliod ard Ogtltpqtetlt ly their training boltlge amp rience to f)rforll thh appr~hbulll II ~fter acltejgttallle of the ~tlgtrahol IHS lggtMt ald dullng the OJru of cordtlct f rg the ~wr~isal FPrampisr diac011ero tllilt tnoy ore rot fully ~t~ to jgtdrfor th owraiulthe ~ta~r will OOrjgtly vlth tht Coopetency ~ravtslcn SPAr
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6020 lido lane long beach ca - Google Maps Page I of I
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Dwyer Appraisal
Filo No
_B2~ttSilpn1 COOle In
Pbullbulluru l~st 8l20 Lido L)) Cllpound~~cfl C~llL2~bullLa Uabull c 2Q~ltIdbull ~
~middot----lendbullr CHAS ttAHKTrAN FIIIANCIAL tW
ADDENDUM TO APPRAISAL
XTERIOR FEATURES rtOIIltlc (ltIn tbtrs) $prinkler ampy$Ctn tn jrllrlt amprr yafltlp
wltold amp gottd llfltry to tht front dltlor provd~ privacy at 1141 u a frcnt patio for lddhiltt111l fbullnctio-at utility oblld p lltltert in t~ frltnt amp r r yard 1sta1 dr111CIIIIY Ia nade of aalld flags~
~~ front porch is~ of solid fl~tONO
111r yard enoleooed ootith a~middot hi~ btoek ~lt Thh proYidlte9 aitiONJ~ ueurty li~t obstru~tlng tile bay vie~~
CJJbulltltlll luilt bullPI in tte frat QQ(Itt)llrd bull 11 patio bullnbull elso hu 1 bulltmiddotfn 18Vfi~ft
lttio a~s t~s tM r of 1lltJ- b llco(e of solid fl]ttltllo
rt of the riNr patio 1~ It CfMbullrltJd by ttl~ seoni lelto~ol dedc
~TERIOR FEATURES JIIIStDIIII ftcarlng In MtJY hltJllnlf I t~~ m thegt 1bullt Uvl 1 sCCIId lbullvbulll Is all 2~~qJare 1111rblt YilOltXf qJJotty eubulltat e~gtrprtitiQ th~ the root of th om Item h~~~ qUII ity Stow-oo ayttn tlulCIltt the ~
J Cfllllity hcurlt) syatern th~t Joillltfl ta dNgt~t disl to a sacu~lty JK~nltorl~ Jbullrv1 ce nt~t len shutters thr~ tcglt~thar wf th 6tioer CtJbulltOltI ulndr1t eowri~bullmiddot
etaold llV~IJl9 dl~t -t prflllr) rcons ord t~Llolllys
to 12 ooilirQS tb~ ltlOSt Of tho hi3e bullll~tbull ere ptaced bulltrateic~lty thrctllflalt taD IClWII mot41t~t tlvalgtool tht houso rn tfoe addltOfll bedJQOM JtiiIOfef Uo((frdle dltxgtrt rt is 1lao a Mp~Jrato wine ltollar gt1ich h tlle~tatiClltly t~rswro I ~lfrate taltrollcd h a lourdry chute fiOIf tl~ llpl)r tel(a) to the lalndry ~ ~~~ at t_ lCooer lemiddot~L
TCHEN ot~rtopamp In fctttMn are tolid ~rooite
itOOltI flco~iJ In kitclen i nd area
Jlll~ cOltok~ aU othe~ top ctlIQIty lilltes amp fl~t~res und In tnt ktt~ as OMlL as the bullbullbullt of tho hoobullbull amp il a ampefgt6rete fet at thbull kitchen sl~k for inseartt hot lllltiH
- is a mr~ 114kmiddottn jlllftry lttich h bull very ~lrabla fbullbullturt usUIlly fafd In larlts rn tMt t~
bulle h IJ lalge built-In ref~ig9flltalt-tob-zero 1reeter lith the front ps~elamp Mtchlrg Uo cablrgtlttJY I~ the kltclltn
lULV ROOM fQnfly rogtOfllllls its on firqJlace
STER BEDROOM amp BATH llll$ter gtlaquo110011 fs Vol) ~paclobull tltch fa a typieal fcatTJre for thi~ ~ amp ptloe ~of ro ~ h a sittlrq area or retret~ at ltgt1~ End of th~ lliISter beiroott taster bedRltln has ita firepllaquocentB lotlfch h triliiTed 1(111 norlle l~ tlt~ ftooriJ9 thJt1-IGhJt JMst~r bath rzi tlb in IllS ter bath 1 ampt-alor wt th clxibte shltloer hctado
h a t6r~ llalk-in cloet in bull~tr trooo 11tt~ buHtmiddotin orgbullniz amp ol-olve$ Le amrcqJI In rraquottor bllthCan
lNG ROOMDINING ROOM -o 12 ceHI~ in Uvl19 ~ tving roar h11 it 1$ Qllll ffrplate llttici a tr-fmoeltf uith rarblo ont co t~o dinllg roro thQr h a bar rem JJth e w$lkmiddotbehtrrl llH bgtr th~ 1aro1ly ftJoCt1 with a luilt-fn ref~t~rator amp fc Jor n stulptulOd c1rpetlrq in the livfhJ roato ard lldJont trca3
IA(E bull~biO n qood qtelity ~Llmiddotup rr- doors wHh liample dcor qJltn~rs bullilirqbull amp ~alls in the qgtragbull are finiohelti ot ~bullt~r ~tor hltla a rbullmiddotelrwlbulltlf ~ lottich plOIbulli~centamp notMt hgtt lf~ter to praoticany ort(tero t~ the hOJs~ 11t to tbe 90rigc la 8 ~tre cellar middot-et ba- liN 112 bllth
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Dwyer Appraisal
-iUPt-~~JL__ lroarty 6lt1bull~11 (lRtJ lob le
~~altl Cauntv~~ sra~ C4 II a~e lalll Lande1 OIA$E rtNII4TfAN FIIWICW eolt1
ADOitNDUM TO APPRAISAL
lnal Reconciliation
bullr Nl$ llo 1blo Reccrd5 $~bjeot has nat ~euro11 ~fated or told tn the pKt 12 rrcntlts ampnd h nat pr~$llntly listed
te nat cttampttt bull~u activity tn touthHrt california II e11p1rfenoif9 Lilli ted aetlvh~ dUo to a tlt~gglah OltOOft lotile ptql~rty vallo$ pear to llttve lttoclfne tn eore 11rtas other etelt~t are ~~le $ tlaquoM areas hll aGtuelly lncnut fn vat~ A pertloular llef~barlold fVIf Prfmce lhat ~r$ to be Iii t~~ary cleltline fn ~talue ldoltrt nveral ~r-s 1eve an wgent nHd ta aell lara aU ~t1rq for thl middot111hed nlnigtor of bitter~ llll~gtfbble Thfa h -ftered to be bull telpOnoryo aftuatfcn lohfch will oorreet Itself 4hen tM tOIIIXIral) Ooert~ly ~ b ebtorbod amp detend fncr111nJn bull111~ Ioiii~ hllgtl~ txperferncd laljle orplO)lMt ~ffa or oloVte of lalfe renufacturi~ plllt1t e rtcwery petofod formiddotp~ty v1tlut $ thl stobHlzatlcn of ~lfmng Yll~ claquo~lltl be atttantloUyiClIQltr amp lOft sown thon tEIIIlOrsry
this CQldltfltll is ratld or ena arprmf~r h ~$rt of It I~ l$ ~tod en bo amplfSl8rat~ adclrldln Nrefn middot
thh 11sprabal anfgrncntcal4ful ~~IGltI ot all curlltrt Mrket dllta wu conafltlerod ~llfch inclLdcd analy~1a ot cu~rmt ll$tlngs penii~ les aa wll ~ tJqtrld and -l~ lhtt~ P~lng aales 1rot~ltlthn 1 gfvm ratkat ar~ can rerg in vamplue wbst~ietly ~lng lfv~rQ area rccn cortt anenlties ncltrlng view or lllcc ot Vflll and 1q~~ta ~ ~tfa1 lf there litre pending MlM ~tlfdl N aio~~llal to subject In ovtral~ rarket Ollll4St1 cne Of~ of thtsa ~fng sslobull Mite beelt fncl~ fn thh tltport rt there 1111r1 no liHir per-ding ales ptnd111J alet lhich ~ltere not silttlar Ore not Usqd lhe u o1 ranbulltlnf lor Mles ~oWld Tlt~qJire thm vn of excQsfva 1 etbjetiw adjus~s leodfog illes 11119 adequE~tely teflect curr41lt ltlrklot derltJltf ~Mingo les of ptepcrtles stnflar to stbject at fees l~r thlo rtelt closed sal are gfwn tho roampt lieigntPendfng 14~ laquo f~gtlltr ~rtles hil1ltr prt-1lt1 than r~t eland sales 1 g1v151 o~~fniMl wf~t sin- tie~bull fa bull poulbllftl tlllt thay ftlt nat clo~e aaerou for a VarfOU IIUber of reafiOM
led ales withfll thl jlolst 30~ drtt aramp IIOlt raLteble alllcento tMy hlrw ctOltHQ amp Urrt are -t recent II tllo ebtenca qf reltenC eloeed gtendfngo satu 111 ~mtyenab f CM~ llstlnga ws also ~~ted ~in thitrt 1M be a llidbull ta~ t valuoa -llllble tor Uatl~a far 1 lfll~ tf abooa llstrga prlcad out ltgtt llfoat ~rata be reailcrollbltt range of wlut Wllftt not ccnalderol ~ und In tht rtthey hlaquovtt btco adJusted to t-4 prebogtlt ~~Gmntlllit a1 Mlt ta liat pric es reparteltt by tile Local 1Jltiplamp ~ittliG Service Further iuatmnts aN then ~eased en teatur~a coodftlcn etcent Hfnltral ~tight h given to t fatfnga ampitgtU they tore clrly d~trate til ~ lfroft of value for PtQPa~ths tfllilar to Sllbjet~t ftOir stbjeets narlcat Gru ~ are hMfr tile ro~t CYrrllt deta a~~ampftabl~ If cne t110 lfetlrgs 1evt nat ~ inotude In thl$ rtp~rt fn lieu of peldiJ sale t I$ becaue~ tfl~u ~bull nane ampYallabl~ coosldotrod to ba 1flar to stbullbject 1Qn-slllllor properttampS IIQIIld agin rltUir~ tM u- ot egtltltauw ZII1CIor Oj~t altljuatts tl1cn ckfeet th~ p~rpase Or bull eo~rabte t~lamp middot
middotmiddot====== =======~=--~----middot---bullmiddotmiddot-----middotmiddotmiddotmiddotmiddot~middotN---middotmiddotmiddot
FotbullN 32590~ DEFINITION OF MARKET VALUPIhe mott probaWo pric~ which amiddotpraporty ohOltifd brlnqin e bullampolfdve bull~d opbullnmorlltel undor ~~ conditions requltitbull to 11 loir oolo tho buyer ancl eampllor eech bullbull1ino prudently knltHYiodgubly and usurntng tht prloo Ebull not eHOlttAd bv undUltI inwus lmJ)iiclt In thlr dofini1lon the ltltgtMUmtn~tion ol bull af IPIltlifled deto Dnd thl poaslng or tidt ltom bullaJiar co buyer under oon4itlont wh~ttobY (1) buyor and wolltr ero Lyploanv motlvalltld 421 both panJsl art wnll infom~ed or 1dYid bullnd uch acting In who ha eonsidorbull M1t awn bs~t lntereot Ill bull roaaorlbullblo timamp is nllowod lor poevroln tho Ol)llt mabullbtl (41 lIY ibull medo in torms of ~bullbullh lrl u $ dollarbull 01 In tturno or flnonolel ~1111810nts oornp~rlbfo thereto artd (5) thogt ptlco lipiUIIItl rho normal caideratiltJn lor tha prop$ry aotd unefftc~od lly spociBI ot eroatlve nnancfng or ur ooWluslona bull granCed lly envone asbull soclarlld with the bullnit
bull Ad)ubulllmampolto to the acmp~roamplot mu~t be mede f~l 8ptclelat cres1iV9 finannlng or tlt~loa ooAonsiltgt~ No sdjuWYents bullrbull nao~orv
for tlto oo9t9 which ato 11ormally peid bv ttllilre 11 bull roeult ar trtdltlon or lew ln bull mrkot arbullbulll Ultse coots arerudlly ld911UII11No tlflus tht 1sller peya tMtt oootl In Yirtually ell eltlet tr~ntaotiant SPJclel ot orutlv liMnolng adU~tmontt can bt rnocle to the oommiddot plrable proportv ily aomptlisont to financing termbull offered by a third psrty instituric~lllandor thai io not afmtdv lnvclvad In tht propshyortv or trantecrlon Any Olltfjua~tnent aPtould not bm talaulartd on 1 meltgthbullnloel dollor for dollsr cabullt of tho ilnsnclng or oltmcot~lon but th~ dollar amtount of anv ad)ubulltmont ehtould apprlgtlCimato tht Markatbull rltbullaotlon to thl tlnonclnltr or ccncetlone baood on th~ onJ~Ufjorbull judgmeot
CltRTlFICATION AND STATEMENT OF LIMITING CONDITrONS CERTIFICATlON Thl Apprlliter ~artlllampbull ana reea thogtt
1 The Appr~llttr lult M prou11t or contemplollbulld futlire intorebulll in tJoe prcpbulllllbullpprlitampltl ~ncMithar lhs omJ)JO(mont to mako lite oppraluf nor he oom~~uutlon lor It Ia oantlngenf upon tho ejlpi~lbullad value of ho prGperrmiddotr
~ Thbull Apprmbullor hebull no paortallnter~al In or bias wfth repaot to th~ eubjogtet mtlter ol tho apptolool repo~ or tho pnr11clpanto 10 th oalo Tho eetlmlltt or Mor~at Vo11e In the lljlpraiul roport Iamp not ba~ In whola or In palt llpon the reco color or natlcn-lcHgin of thbull prcapoclfiM owMrs or ooouponl8 ol thapropJrlf eppralsod or u)on the taon ocor or notional origin of tho praunt ownoro or oocupantbull ol lito propartioe In t~ vfclnll( of rh~ IHGporty apprafbullad
3 Tho Appralttr hoe l)oroan~lly lntpeotad Utltl propwrty bolh lnaldbull ttnd a~r arltl ~ madbull an ooxurlot in1ptc1tan af ell cwnperehla bull~les ~~tod In lhfl npott To thbull but ctf tht Apprelearbull knowtodol~ sfd Hillel alt stttemenlbull and lnfarmotloh fn th~ roport 114 truo and bullbullmtal ~rtt tJe Apprel~ar h8t noc knovrngy wltllhtld ohV algnlneal1t lnfltJtrnatlon
4 All conlll~tnt end limiting ~ond1tlortt arbull GontalogtoJd hotoln limosbulld hy the termbull ol tha eoolgnmanl or by the LondtroiQnod olteotlngtlia anofJliOt Gplnloflt oond oonaluaonbull conralnad rn tha Fei)Ogtrlt
5 TNbull opproiulltpart has boon made In ~bullmforiTlty with ond Is oubreo( to tht ttqulr11lt1ampnto of tho Codamp of Pr~fassfanal Ethics end Stoinltlltls of Prolaolianal Conduort or thG bullpprnlssl GIQampnlznlant vmiddotlth whloh ~ha Al)rnlut Is afflneiad
8 All ooncluiliono end oplnlont concorrlno tlbulloo tatl aotbulltbull thst ort tet rarlflln tho apprUnl report ware prepari hv 1M Appralur whoto olgnoturo ooppoa on thltl ~tpproJI raport unlbullbullbull IMloatood a 11avltw Appralosr No ohenga of any Item 11 tho eppriiU~I t~port bullhall be mod~ by anyono othtt tluln ho Apptofnr ftnd lhamp Apprsleer ahall havo na rotponJbillly fer anv uah lttnouthodzed
ohbull~middot
CONTlNGllNT AND LIMITING CONDIIIOffil lt4rtlfialfllon of the Appraiser ~pp~lt~rtn11 In tM orppralsar roport Is subjaot to tna folfowlng oondttlons end to euoh other opecolrlo bullnciiiNJUng oondiHons u era aet forth bv Uo Ap(ltJieor in t~o rtport
1 The 1ppriHaer ~null4m M rslgtonslblijty for matte- of a legal neru affaotlng tha propampfV apptols~d or chbull titlt thbullrot~ not dcos tho Appralnr r~nltUt ~ny opinion bullbull to the tltlo whfh Is ftbull~m~d to bt good and matketnbt6 Tloa property appr41Ud es thouq h under tsspoleJbhbull ownerohfp
2 Anv tlltatoft In tlto r~tport may bullllow spproodmor~ dlmof$lona end fs lnolltlad Ia anlst th~ nad~r In oisuolfltlnQ th~ prop4ny 1M Apprsi~or hu made no svrvoy af tho proporly
a Thbull Appralosr io not qulrsd to ~lvamp tobulltiotiOl 01 appear in aouri bo~bullJIH of having m8damp thl appro1aal with ref~ ranco to Ute praportv in quetUcn unlaso arretlgemoobull ~avbull bbullon prlhi~raly mad OJ tftltmbullfor
4 Any dlbullttlbution of thltr valuation In lite rampport betwoen land nnd lmprovamtnts appfisf only urgtfar the malng prog~m af utiJI~otion The s-oparatbull valua11onbull tor lltnd ond b~lldlng tnuft not b~ Uliltld frt conjOncrioM with ShV aliter eppralslli and era invgtlld If to Uftd
5 Tha Appralut i~Jsumeo that thora ate no hlddon or un~ppsunt condlclono of thbull pt~p~ny eubactl ot strucntramp~ which waufd rendor It moro or lass vai1Jabi4 Tho Apprefs~r asournbullu 110 roponelblll1y tor tltr~h ctnditicent~bull or fM anglnaampring which rri~kt be required to discover auch fftctDn
8 Information ampS1iltnatet end o-piniont lurnlshed ra llta Apprai9et bullnd contained in tiN toport w~re obtornod hom ourebs oonsldmiddot orod reliolgtlo trd lgtnrtavad to bt truo and oorrect Howevar no rooponslbllitv fcrecrlllampey of eucl lome furnfohad tho Appraiser can bo BUUmod bv the Awrllsorr
1 Olactosuro of lite oontampnr oltho approJool ramppcrt fa gorned by 1ho9 Bvfbullwa ampnd fle~ul~1ions of rho protasnlonel ~pprohel orgbullnlshyl~tlona with which tno Ai=Pltbull~Gr is ~ffilialltd middot
4 Nafthor bullh nor bullny pert o( the CltltfG11 of tho tt~art Ot ~apy thet~of lincludino conolorolont oo to tho prop~~y vnfubull the identity of tnlt~ Approoor prohbulloiansl dlt~bulliglttlons r$loronc~ to ony jlrofQoslegtnill epplllal organiadono tho firm with which lho Approlnt ia connncttd) slutlt be u~od lot nny purpo~ lgty nnyoM but tho errant ~pooltl~d In tha repor tho bol~wor If approitol lu pnld by ~ovne tho mor1qo~aa or h$ Rtocurs erol nort)no morrgo~o lluurort conouitant profuofonsl dppraisef argnnllailtlmt any l~te or fllltlofllly optotovod finenol lne~tutian lny d~rgtbullrtmont agoncv or inttrumontaHy of doe Unt81 State9 or ~ny bullbull 01 lht Oishlot of Colutnbi~ without tfoe proviouo1 wrltttll oon~snt of tlo Approioar nobull bullhoU It bbull convbullvbulld by anyon~ to thbull Pltthll~ thiltlugh 8d~artiaibullltJ public rampIIIICiona news~ stflf or ocflor mbulldia wftfl)lft the writt111n CCnlont tl1id opprobull1d of Ula Appt~Sl~u~r
9 On 5iJ CJPDrehilll$ $Ubject to ~ldetactory cotnplrttlon rnparl or alt~ra1iDI9) thn epornlsnl -JCIrt ~~gtllf - ~r--~lt1slon Utl conHnmiddot gllnt upon coflyen1amption ol lho lflrevel)entl Ia a wnrkmanlik$ m-omr1Gr
BORROWER Dobkin
PROPERTY 6fl2() Lfdo Lnne rottr lleach ca 90803
Appraloorlbulll
YAioNbull~ FbullrrJt- MoM ~-m41~JULU-1 Fltlfm 1co~ n JJ~ 8~11
Dwyer Appraisal
Ftre No )illQ2_
~UP~~~~--------~-----------------~------------------------------------~p~~~ll~~~~e------middot----middot~------------------------------------~~---middotmiddot-----
f--Citv I~ Seilt~ CCUQ1 ~~middotlu---------~---~2i p_Codo_90ll3ltgt=-----~-__ Londer alASpound ~HioiTAii fUHltI~L tll27
AlPJlAISBi ClmTIFICAIIONS amp COMPLIANCE lllTH FIRRA REQUIREMFNlS
bull The puiJl1lle of thif f)Pgttlul b to estlllato hlr Harket Value as cleflnol In tho attamplthiod FHLK( fern 4J9of tt- bullbltrle deo~ribed real ~rty lhia appllliwt 1s f9r thamp SGt and txcl~ntv u1e of the ~e described ~~Cl l~tbull
lhta eAOreiL nay bo ~bulltd for federally ftlated rort~ lcall prrpous $bject to title XI o1 tho FIMnbullfbulll Insettuttcns Rtfon r~E~Wr) EllfGltcanetot Act of 1989 (IIAA61) The 1Mers1~ oppralter(a) aekrQtledg= ~flet thoy have rMd end Ydarstand tle Utfor arlfard$ of Proloslotw~l ~alool Prectf 1USIP 1 at they ~tocl end y bt atltndod 110lt1 tlre to tiM by thamp twrbullhal StIWdartfs gtard of the 4fgttaisal fonlatton ~rrl u trplenbted by IIOd 1nco~rsted fnto the oce (Off1oe of the CAlrtptrctltr of thamp Currency) ~Uqulatmiddot gtIU 1hla llgtrisampl QOIII)l with ilCC RegJlationt PSgtlt1 tfgte tlnl10~JI $tarderltls of Prof-teN~ P~cttca (IJSPtP)
the legal dorlptl011 9f tile prltlf)erty u ~on t~~ fi((t ~ of tMt t~R~rataal regtainod frm tha cnnty teK uunws riOOIds
middot ot-r ~rltgtd 11hlch ort eotiQred to ~ relloble- but Mt liJ(Irlltltoed Tho tot atgtd trs~t n~ lldar the aueuara par~L nlbller ~ra nsiIGIti lld~taly dtscriptlve ~ ~~ ot bull prtlbrirv~ry ti~lt report WIIoS rlaquoJUsted fron tb~ l~r bvt rltrt reeelv~ at the tiM llf loMe of this ~hsL
Th ~rlllampil$ eJtill8te af Nuaratgtle 1111rkttlng tine for ampAlje~ p~rty eelriltl~ ~hh the rlcetlng tiM shgtlm Cfl tht frolttt pogo It also rntated In the roment section en the nOOIICI ~ of tile lj)lltafaal
If tho tlbletta sa b val~ Is difforant thoR tite Estltcf valtJe t1~ val~ 11Hl bt stated in th ~te~oocfl btftlrl seetlcn of en rahal lepartlf thet are tne u~~e Qnly tigtQ aa 1 wlu~ 11 atatodA buH4fllQ Uldbullr ()()MtructOn ar In gtelaquolt of rqraquolra cr slttratfcns ll rerplre tilbull 1Ettita of llltrrktt vatbull lth tho ~~at~ 1albftct te box beilll chckocl Stlt thbull bac~ ptge of the ~pFn~iaal repon bull tha infanrat1et~
he scrpe of tMt flrahal frtoOlvod data oollettlon frcn vtltOIJa =r~t ta-fdered to be roliotblltJ 001 ~~ gvarantetd tn~ltdirg bst Li11itld to llblQ r~rd infec-t~Ltfa obta(hed flllfl hi lol COInty re=derbull Offiee Tll~ ll4tbQJfd1 t~oc Dmar local ttJttfple tlng a~vice1 buyen setteramp alli real ~t4te brQI(tra tooflrnotion Uo$ mt by ~ros~-cfleckirg fnfcr111tion ~ith tilt rorcu ntiCIlld middotthe llt~tultamp ere then repoltld fn the QWItlprfiltamp lrxirtftr~ on the bullr1lrel~l rtpOtt o~ ldd~lho pr1Mry data liOWCH bullrot provided the grid sectfoo lltfllt ap4U parnlb A phy$1cll 1npect1cn of tht fnt~tlor Itd exterior of the tlbject lrwerty 111 corjucte at ldltcl e thbull Epllraiter urilt t~o projlOrty l c~~loolated tlte orproJf-te l(fJare foe~ of l lvfrg amptea lhe ~raiamper tiiEtl ltIIcentltbull by tho fret
middot~h of tho laquot~~p~~rlblbulls ~nd tekh~ lIOtlta as to tMfr a~rrlftt ~leltol claquoldhioo for wul~tioo of their aolitiCII 11t ti~~e of salt
lhlre lilt~ rtl 11gt0141 pcraorat ~rty ttllfiS f1Mtut or tnt~rgb~t 1t~4 1101 notrolly ccnoidere bull part at tho rl MUte 1ncltdiod in i)raisod vatue of tht Pject ~rty My porKIIIl pr~rty iJ ~rteltl ltgtn l ttparete a6teldJ
the trltferbulllg~ed awratr(a) preaergtt end eertlfy thlrt~ (4) tt1e BProfoal auig1-t ~bull nat bas-M lt401 reqJtHIII nfnilltJil Vlluatflaquol eel fie valoetlro or tre owrltml Of toanBl etpiO)Wit of the appraiser wu rltrt oorditlmed OJgttO the awrabel produeii1Q a ~poet fie Jot or 10 1111lut vithfn a givon r9hgiJ CClfuru~ ~~t h rtGt d~~t qlCll en apprlhal prQdJclng a speelfie vatubull (D) amprp~t gten~atlltn ard fvtue eoplCY)lOnt Ire r-ot lasod ~ llllt~ leon lpPlicttioo h tppro~ed ltElnetlgtor the awrats rar any pelt(tl ~itlt
JOrerahlp intbullr~bullt In the ~ tqllaying the Gwrainr b rtla~~ to or hoa allj Wttrship or cthltr tlnncal lnterost 1rt eitller lxlildeobulldcvbulliper aeLler buoftr ror~e bttl~or Ct rtlt~l estate lltQk~r~~rsa (or a~y ~nM relatod to any of dlltr) irrol~ed in tNir~ti~ f) ihfoh this appntisal luu ~ raq1estod or utth th the l()t recalt nle or ratlnancfrg or irtY ll(OltIIty usid u a lttr11bte praportylogt thh epp-alsal ard (I) th lp9raiser h not ~~~o~are of tllf f~cta lhiltfl uould dtaqu~ify the frtn bcdng deelt to btt rwfeponrlltlft epprehel far ~rjlltI~H of $ltJQtion ~4S of th~ oee A9lotloo AOgulatiCgtlo
The IAdersignoltS apprainrCgt) h~relr ~ogtknltgttl~ ancl ~rtify that t~ltsy ar fbullJll) qBltliod ard Ogtltpqtetlt ly their training boltlge amp rience to f)rforll thh appr~hbulll II ~fter acltejgttallle of the ~tlgtrahol IHS lggtMt ald dullng the OJru of cordtlct f rg the ~wr~isal FPrampisr diac011ero tllilt tnoy ore rot fully ~t~ to jgtdrfor th owraiulthe ~ta~r will OOrjgtly vlth tht Coopetency ~ravtslcn SPAr
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6020 lido lane long beach ca - Google Maps Page I of I
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Dwyer Appraisal
-iUPt-~~JL__ lroarty 6lt1bull~11 (lRtJ lob le
~~altl Cauntv~~ sra~ C4 II a~e lalll Lande1 OIA$E rtNII4TfAN FIIWICW eolt1
ADOitNDUM TO APPRAISAL
lnal Reconciliation
bullr Nl$ llo 1blo Reccrd5 $~bjeot has nat ~euro11 ~fated or told tn the pKt 12 rrcntlts ampnd h nat pr~$llntly listed
te nat cttampttt bull~u activity tn touthHrt california II e11p1rfenoif9 Lilli ted aetlvh~ dUo to a tlt~gglah OltOOft lotile ptql~rty vallo$ pear to llttve lttoclfne tn eore 11rtas other etelt~t are ~~le $ tlaquoM areas hll aGtuelly lncnut fn vat~ A pertloular llef~barlold fVIf Prfmce lhat ~r$ to be Iii t~~ary cleltline fn ~talue ldoltrt nveral ~r-s 1eve an wgent nHd ta aell lara aU ~t1rq for thl middot111hed nlnigtor of bitter~ llll~gtfbble Thfa h -ftered to be bull telpOnoryo aftuatfcn lohfch will oorreet Itself 4hen tM tOIIIXIral) Ooert~ly ~ b ebtorbod amp detend fncr111nJn bull111~ Ioiii~ hllgtl~ txperferncd laljle orplO)lMt ~ffa or oloVte of lalfe renufacturi~ plllt1t e rtcwery petofod formiddotp~ty v1tlut $ thl stobHlzatlcn of ~lfmng Yll~ claquo~lltl be atttantloUyiClIQltr amp lOft sown thon tEIIIlOrsry
this CQldltfltll is ratld or ena arprmf~r h ~$rt of It I~ l$ ~tod en bo amplfSl8rat~ adclrldln Nrefn middot
thh 11sprabal anfgrncntcal4ful ~~IGltI ot all curlltrt Mrket dllta wu conafltlerod ~llfch inclLdcd analy~1a ot cu~rmt ll$tlngs penii~ les aa wll ~ tJqtrld and -l~ lhtt~ P~lng aales 1rot~ltlthn 1 gfvm ratkat ar~ can rerg in vamplue wbst~ietly ~lng lfv~rQ area rccn cortt anenlties ncltrlng view or lllcc ot Vflll and 1q~~ta ~ ~tfa1 lf there litre pending MlM ~tlfdl N aio~~llal to subject In ovtral~ rarket Ollll4St1 cne Of~ of thtsa ~fng sslobull Mite beelt fncl~ fn thh tltport rt there 1111r1 no liHir per-ding ales ptnd111J alet lhich ~ltere not silttlar Ore not Usqd lhe u o1 ranbulltlnf lor Mles ~oWld Tlt~qJire thm vn of excQsfva 1 etbjetiw adjus~s leodfog illes 11119 adequE~tely teflect curr41lt ltlrklot derltJltf ~Mingo les of ptepcrtles stnflar to stbject at fees l~r thlo rtelt closed sal are gfwn tho roampt lieigntPendfng 14~ laquo f~gtlltr ~rtles hil1ltr prt-1lt1 than r~t eland sales 1 g1v151 o~~fniMl wf~t sin- tie~bull fa bull poulbllftl tlllt thay ftlt nat clo~e aaerou for a VarfOU IIUber of reafiOM
led ales withfll thl jlolst 30~ drtt aramp IIOlt raLteble alllcento tMy hlrw ctOltHQ amp Urrt are -t recent II tllo ebtenca qf reltenC eloeed gtendfngo satu 111 ~mtyenab f CM~ llstlnga ws also ~~ted ~in thitrt 1M be a llidbull ta~ t valuoa -llllble tor Uatl~a far 1 lfll~ tf abooa llstrga prlcad out ltgtt llfoat ~rata be reailcrollbltt range of wlut Wllftt not ccnalderol ~ und In tht rtthey hlaquovtt btco adJusted to t-4 prebogtlt ~~Gmntlllit a1 Mlt ta liat pric es reparteltt by tile Local 1Jltiplamp ~ittliG Service Further iuatmnts aN then ~eased en teatur~a coodftlcn etcent Hfnltral ~tight h given to t fatfnga ampitgtU they tore clrly d~trate til ~ lfroft of value for PtQPa~ths tfllilar to Sllbjet~t ftOir stbjeets narlcat Gru ~ are hMfr tile ro~t CYrrllt deta a~~ampftabl~ If cne t110 lfetlrgs 1evt nat ~ inotude In thl$ rtp~rt fn lieu of peldiJ sale t I$ becaue~ tfl~u ~bull nane ampYallabl~ coosldotrod to ba 1flar to stbullbject 1Qn-slllllor properttampS IIQIIld agin rltUir~ tM u- ot egtltltauw ZII1CIor Oj~t altljuatts tl1cn ckfeet th~ p~rpase Or bull eo~rabte t~lamp middot
middotmiddot====== =======~=--~----middot---bullmiddotmiddot-----middotmiddotmiddotmiddotmiddot~middotN---middotmiddotmiddot
FotbullN 32590~ DEFINITION OF MARKET VALUPIhe mott probaWo pric~ which amiddotpraporty ohOltifd brlnqin e bullampolfdve bull~d opbullnmorlltel undor ~~ conditions requltitbull to 11 loir oolo tho buyer ancl eampllor eech bullbull1ino prudently knltHYiodgubly and usurntng tht prloo Ebull not eHOlttAd bv undUltI inwus lmJ)iiclt In thlr dofini1lon the ltltgtMUmtn~tion ol bull af IPIltlifled deto Dnd thl poaslng or tidt ltom bullaJiar co buyer under oon4itlont wh~ttobY (1) buyor and wolltr ero Lyploanv motlvalltld 421 both panJsl art wnll infom~ed or 1dYid bullnd uch acting In who ha eonsidorbull M1t awn bs~t lntereot Ill bull roaaorlbullblo timamp is nllowod lor poevroln tho Ol)llt mabullbtl (41 lIY ibull medo in torms of ~bullbullh lrl u $ dollarbull 01 In tturno or flnonolel ~1111810nts oornp~rlbfo thereto artd (5) thogt ptlco lipiUIIItl rho normal caideratiltJn lor tha prop$ry aotd unefftc~od lly spociBI ot eroatlve nnancfng or ur ooWluslona bull granCed lly envone asbull soclarlld with the bullnit
bull Ad)ubulllmampolto to the acmp~roamplot mu~t be mede f~l 8ptclelat cres1iV9 finannlng or tlt~loa ooAonsiltgt~ No sdjuWYents bullrbull nao~orv
for tlto oo9t9 which ato 11ormally peid bv ttllilre 11 bull roeult ar trtdltlon or lew ln bull mrkot arbullbulll Ultse coots arerudlly ld911UII11No tlflus tht 1sller peya tMtt oootl In Yirtually ell eltlet tr~ntaotiant SPJclel ot orutlv liMnolng adU~tmontt can bt rnocle to the oommiddot plrable proportv ily aomptlisont to financing termbull offered by a third psrty instituric~lllandor thai io not afmtdv lnvclvad In tht propshyortv or trantecrlon Any Olltfjua~tnent aPtould not bm talaulartd on 1 meltgthbullnloel dollor for dollsr cabullt of tho ilnsnclng or oltmcot~lon but th~ dollar amtount of anv ad)ubulltmont ehtould apprlgtlCimato tht Markatbull rltbullaotlon to thl tlnonclnltr or ccncetlone baood on th~ onJ~Ufjorbull judgmeot
CltRTlFICATION AND STATEMENT OF LIMITING CONDITrONS CERTIFICATlON Thl Apprlliter ~artlllampbull ana reea thogtt
1 The Appr~llttr lult M prou11t or contemplollbulld futlire intorebulll in tJoe prcpbulllllbullpprlitampltl ~ncMithar lhs omJ)JO(mont to mako lite oppraluf nor he oom~~uutlon lor It Ia oantlngenf upon tho ejlpi~lbullad value of ho prGperrmiddotr
~ Thbull Apprmbullor hebull no paortallnter~al In or bias wfth repaot to th~ eubjogtet mtlter ol tho apptolool repo~ or tho pnr11clpanto 10 th oalo Tho eetlmlltt or Mor~at Vo11e In the lljlpraiul roport Iamp not ba~ In whola or In palt llpon the reco color or natlcn-lcHgin of thbull prcapoclfiM owMrs or ooouponl8 ol thapropJrlf eppralsod or u)on the taon ocor or notional origin of tho praunt ownoro or oocupantbull ol lito propartioe In t~ vfclnll( of rh~ IHGporty apprafbullad
3 Tho Appralttr hoe l)oroan~lly lntpeotad Utltl propwrty bolh lnaldbull ttnd a~r arltl ~ madbull an ooxurlot in1ptc1tan af ell cwnperehla bull~les ~~tod In lhfl npott To thbull but ctf tht Apprelearbull knowtodol~ sfd Hillel alt stttemenlbull and lnfarmotloh fn th~ roport 114 truo and bullbullmtal ~rtt tJe Apprel~ar h8t noc knovrngy wltllhtld ohV algnlneal1t lnfltJtrnatlon
4 All conlll~tnt end limiting ~ond1tlortt arbull GontalogtoJd hotoln limosbulld hy the termbull ol tha eoolgnmanl or by the LondtroiQnod olteotlngtlia anofJliOt Gplnloflt oond oonaluaonbull conralnad rn tha Fei)Ogtrlt
5 TNbull opproiulltpart has boon made In ~bullmforiTlty with ond Is oubreo( to tht ttqulr11lt1ampnto of tho Codamp of Pr~fassfanal Ethics end Stoinltlltls of Prolaolianal Conduort or thG bullpprnlssl GIQampnlznlant vmiddotlth whloh ~ha Al)rnlut Is afflneiad
8 All ooncluiliono end oplnlont concorrlno tlbulloo tatl aotbulltbull thst ort tet rarlflln tho apprUnl report ware prepari hv 1M Appralur whoto olgnoturo ooppoa on thltl ~tpproJI raport unlbullbullbull IMloatood a 11avltw Appralosr No ohenga of any Item 11 tho eppriiU~I t~port bullhall be mod~ by anyono othtt tluln ho Apptofnr ftnd lhamp Apprsleer ahall havo na rotponJbillly fer anv uah lttnouthodzed
ohbull~middot
CONTlNGllNT AND LIMITING CONDIIIOffil lt4rtlfialfllon of the Appraiser ~pp~lt~rtn11 In tM orppralsar roport Is subjaot to tna folfowlng oondttlons end to euoh other opecolrlo bullnciiiNJUng oondiHons u era aet forth bv Uo Ap(ltJieor in t~o rtport
1 The 1ppriHaer ~null4m M rslgtonslblijty for matte- of a legal neru affaotlng tha propampfV apptols~d or chbull titlt thbullrot~ not dcos tho Appralnr r~nltUt ~ny opinion bullbull to the tltlo whfh Is ftbull~m~d to bt good and matketnbt6 Tloa property appr41Ud es thouq h under tsspoleJbhbull ownerohfp
2 Anv tlltatoft In tlto r~tport may bullllow spproodmor~ dlmof$lona end fs lnolltlad Ia anlst th~ nad~r In oisuolfltlnQ th~ prop4ny 1M Apprsi~or hu made no svrvoy af tho proporly
a Thbull Appralosr io not qulrsd to ~lvamp tobulltiotiOl 01 appear in aouri bo~bullJIH of having m8damp thl appro1aal with ref~ ranco to Ute praportv in quetUcn unlaso arretlgemoobull ~avbull bbullon prlhi~raly mad OJ tftltmbullfor
4 Any dlbullttlbution of thltr valuation In lite rampport betwoen land nnd lmprovamtnts appfisf only urgtfar the malng prog~m af utiJI~otion The s-oparatbull valua11onbull tor lltnd ond b~lldlng tnuft not b~ Uliltld frt conjOncrioM with ShV aliter eppralslli and era invgtlld If to Uftd
5 Tha Appralut i~Jsumeo that thora ate no hlddon or un~ppsunt condlclono of thbull pt~p~ny eubactl ot strucntramp~ which waufd rendor It moro or lass vai1Jabi4 Tho Apprefs~r asournbullu 110 roponelblll1y tor tltr~h ctnditicent~bull or fM anglnaampring which rri~kt be required to discover auch fftctDn
8 Information ampS1iltnatet end o-piniont lurnlshed ra llta Apprai9et bullnd contained in tiN toport w~re obtornod hom ourebs oonsldmiddot orod reliolgtlo trd lgtnrtavad to bt truo and oorrect Howevar no rooponslbllitv fcrecrlllampey of eucl lome furnfohad tho Appraiser can bo BUUmod bv the Awrllsorr
1 Olactosuro of lite oontampnr oltho approJool ramppcrt fa gorned by 1ho9 Bvfbullwa ampnd fle~ul~1ions of rho protasnlonel ~pprohel orgbullnlshyl~tlona with which tno Ai=Pltbull~Gr is ~ffilialltd middot
4 Nafthor bullh nor bullny pert o( the CltltfG11 of tho tt~art Ot ~apy thet~of lincludino conolorolont oo to tho prop~~y vnfubull the identity of tnlt~ Approoor prohbulloiansl dlt~bulliglttlons r$loronc~ to ony jlrofQoslegtnill epplllal organiadono tho firm with which lho Approlnt ia connncttd) slutlt be u~od lot nny purpo~ lgty nnyoM but tho errant ~pooltl~d In tha repor tho bol~wor If approitol lu pnld by ~ovne tho mor1qo~aa or h$ Rtocurs erol nort)no morrgo~o lluurort conouitant profuofonsl dppraisef argnnllailtlmt any l~te or fllltlofllly optotovod finenol lne~tutian lny d~rgtbullrtmont agoncv or inttrumontaHy of doe Unt81 State9 or ~ny bullbull 01 lht Oishlot of Colutnbi~ without tfoe proviouo1 wrltttll oon~snt of tlo Approioar nobull bullhoU It bbull convbullvbulld by anyon~ to thbull Pltthll~ thiltlugh 8d~artiaibullltJ public rampIIIICiona news~ stflf or ocflor mbulldia wftfl)lft the writt111n CCnlont tl1id opprobull1d of Ula Appt~Sl~u~r
9 On 5iJ CJPDrehilll$ $Ubject to ~ldetactory cotnplrttlon rnparl or alt~ra1iDI9) thn epornlsnl -JCIrt ~~gtllf - ~r--~lt1slon Utl conHnmiddot gllnt upon coflyen1amption ol lho lflrevel)entl Ia a wnrkmanlik$ m-omr1Gr
BORROWER Dobkin
PROPERTY 6fl2() Lfdo Lnne rottr lleach ca 90803
Appraloorlbulll
YAioNbull~ FbullrrJt- MoM ~-m41~JULU-1 Fltlfm 1co~ n JJ~ 8~11
Dwyer Appraisal
Ftre No )illQ2_
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f--Citv I~ Seilt~ CCUQ1 ~~middotlu---------~---~2i p_Codo_90ll3ltgt=-----~-__ Londer alASpound ~HioiTAii fUHltI~L tll27
AlPJlAISBi ClmTIFICAIIONS amp COMPLIANCE lllTH FIRRA REQUIREMFNlS
bull The puiJl1lle of thif f)Pgttlul b to estlllato hlr Harket Value as cleflnol In tho attamplthiod FHLK( fern 4J9of tt- bullbltrle deo~ribed real ~rty lhia appllliwt 1s f9r thamp SGt and txcl~ntv u1e of the ~e described ~~Cl l~tbull
lhta eAOreiL nay bo ~bulltd for federally ftlated rort~ lcall prrpous $bject to title XI o1 tho FIMnbullfbulll Insettuttcns Rtfon r~E~Wr) EllfGltcanetot Act of 1989 (IIAA61) The 1Mers1~ oppralter(a) aekrQtledg= ~flet thoy have rMd end Ydarstand tle Utfor arlfard$ of Proloslotw~l ~alool Prectf 1USIP 1 at they ~tocl end y bt atltndod 110lt1 tlre to tiM by thamp twrbullhal StIWdartfs gtard of the 4fgttaisal fonlatton ~rrl u trplenbted by IIOd 1nco~rsted fnto the oce (Off1oe of the CAlrtptrctltr of thamp Currency) ~Uqulatmiddot gtIU 1hla llgtrisampl QOIII)l with ilCC RegJlationt PSgtlt1 tfgte tlnl10~JI $tarderltls of Prof-teN~ P~cttca (IJSPtP)
the legal dorlptl011 9f tile prltlf)erty u ~on t~~ fi((t ~ of tMt t~R~rataal regtainod frm tha cnnty teK uunws riOOIds
middot ot-r ~rltgtd 11hlch ort eotiQred to ~ relloble- but Mt liJ(Irlltltoed Tho tot atgtd trs~t n~ lldar the aueuara par~L nlbller ~ra nsiIGIti lld~taly dtscriptlve ~ ~~ ot bull prtlbrirv~ry ti~lt report WIIoS rlaquoJUsted fron tb~ l~r bvt rltrt reeelv~ at the tiM llf loMe of this ~hsL
Th ~rlllampil$ eJtill8te af Nuaratgtle 1111rkttlng tine for ampAlje~ p~rty eelriltl~ ~hh the rlcetlng tiM shgtlm Cfl tht frolttt pogo It also rntated In the roment section en the nOOIICI ~ of tile lj)lltafaal
If tho tlbletta sa b val~ Is difforant thoR tite Estltcf valtJe t1~ val~ 11Hl bt stated in th ~te~oocfl btftlrl seetlcn of en rahal lepartlf thet are tne u~~e Qnly tigtQ aa 1 wlu~ 11 atatodA buH4fllQ Uldbullr ()()MtructOn ar In gtelaquolt of rqraquolra cr slttratfcns ll rerplre tilbull 1Ettita of llltrrktt vatbull lth tho ~~at~ 1albftct te box beilll chckocl Stlt thbull bac~ ptge of the ~pFn~iaal repon bull tha infanrat1et~
he scrpe of tMt flrahal frtoOlvod data oollettlon frcn vtltOIJa =r~t ta-fdered to be roliotblltJ 001 ~~ gvarantetd tn~ltdirg bst Li11itld to llblQ r~rd infec-t~Ltfa obta(hed flllfl hi lol COInty re=derbull Offiee Tll~ ll4tbQJfd1 t~oc Dmar local ttJttfple tlng a~vice1 buyen setteramp alli real ~t4te brQI(tra tooflrnotion Uo$ mt by ~ros~-cfleckirg fnfcr111tion ~ith tilt rorcu ntiCIlld middotthe llt~tultamp ere then repoltld fn the QWItlprfiltamp lrxirtftr~ on the bullr1lrel~l rtpOtt o~ ldd~lho pr1Mry data liOWCH bullrot provided the grid sectfoo lltfllt ap4U parnlb A phy$1cll 1npect1cn of tht fnt~tlor Itd exterior of the tlbject lrwerty 111 corjucte at ldltcl e thbull Epllraiter urilt t~o projlOrty l c~~loolated tlte orproJf-te l(fJare foe~ of l lvfrg amptea lhe ~raiamper tiiEtl ltIIcentltbull by tho fret
middot~h of tho laquot~~p~~rlblbulls ~nd tekh~ lIOtlta as to tMfr a~rrlftt ~leltol claquoldhioo for wul~tioo of their aolitiCII 11t ti~~e of salt
lhlre lilt~ rtl 11gt0141 pcraorat ~rty ttllfiS f1Mtut or tnt~rgb~t 1t~4 1101 notrolly ccnoidere bull part at tho rl MUte 1ncltdiod in i)raisod vatue of tht Pject ~rty My porKIIIl pr~rty iJ ~rteltl ltgtn l ttparete a6teldJ
the trltferbulllg~ed awratr(a) preaergtt end eertlfy thlrt~ (4) tt1e BProfoal auig1-t ~bull nat bas-M lt401 reqJtHIII nfnilltJil Vlluatflaquol eel fie valoetlro or tre owrltml Of toanBl etpiO)Wit of the appraiser wu rltrt oorditlmed OJgttO the awrabel produeii1Q a ~poet fie Jot or 10 1111lut vithfn a givon r9hgiJ CClfuru~ ~~t h rtGt d~~t qlCll en apprlhal prQdJclng a speelfie vatubull (D) amprp~t gten~atlltn ard fvtue eoplCY)lOnt Ire r-ot lasod ~ llllt~ leon lpPlicttioo h tppro~ed ltElnetlgtor the awrats rar any pelt(tl ~itlt
JOrerahlp intbullr~bullt In the ~ tqllaying the Gwrainr b rtla~~ to or hoa allj Wttrship or cthltr tlnncal lnterost 1rt eitller lxlildeobulldcvbulliper aeLler buoftr ror~e bttl~or Ct rtlt~l estate lltQk~r~~rsa (or a~y ~nM relatod to any of dlltr) irrol~ed in tNir~ti~ f) ihfoh this appntisal luu ~ raq1estod or utth th the l()t recalt nle or ratlnancfrg or irtY ll(OltIIty usid u a lttr11bte praportylogt thh epp-alsal ard (I) th lp9raiser h not ~~~o~are of tllf f~cta lhiltfl uould dtaqu~ify the frtn bcdng deelt to btt rwfeponrlltlft epprehel far ~rjlltI~H of $ltJQtion ~4S of th~ oee A9lotloo AOgulatiCgtlo
The IAdersignoltS apprainrCgt) h~relr ~ogtknltgttl~ ancl ~rtify that t~ltsy ar fbullJll) qBltliod ard Ogtltpqtetlt ly their training boltlge amp rience to f)rforll thh appr~hbulll II ~fter acltejgttallle of the ~tlgtrahol IHS lggtMt ald dullng the OJru of cordtlct f rg the ~wr~isal FPrampisr diac011ero tllilt tnoy ore rot fully ~t~ to jgtdrfor th owraiulthe ~ta~r will OOrjgtly vlth tht Coopetency ~ravtslcn SPAr
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6020 lido lane long beach ca - Google Maps Page I of I
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FotbullN 32590~ DEFINITION OF MARKET VALUPIhe mott probaWo pric~ which amiddotpraporty ohOltifd brlnqin e bullampolfdve bull~d opbullnmorlltel undor ~~ conditions requltitbull to 11 loir oolo tho buyer ancl eampllor eech bullbull1ino prudently knltHYiodgubly and usurntng tht prloo Ebull not eHOlttAd bv undUltI inwus lmJ)iiclt In thlr dofini1lon the ltltgtMUmtn~tion ol bull af IPIltlifled deto Dnd thl poaslng or tidt ltom bullaJiar co buyer under oon4itlont wh~ttobY (1) buyor and wolltr ero Lyploanv motlvalltld 421 both panJsl art wnll infom~ed or 1dYid bullnd uch acting In who ha eonsidorbull M1t awn bs~t lntereot Ill bull roaaorlbullblo timamp is nllowod lor poevroln tho Ol)llt mabullbtl (41 lIY ibull medo in torms of ~bullbullh lrl u $ dollarbull 01 In tturno or flnonolel ~1111810nts oornp~rlbfo thereto artd (5) thogt ptlco lipiUIIItl rho normal caideratiltJn lor tha prop$ry aotd unefftc~od lly spociBI ot eroatlve nnancfng or ur ooWluslona bull granCed lly envone asbull soclarlld with the bullnit
bull Ad)ubulllmampolto to the acmp~roamplot mu~t be mede f~l 8ptclelat cres1iV9 finannlng or tlt~loa ooAonsiltgt~ No sdjuWYents bullrbull nao~orv
for tlto oo9t9 which ato 11ormally peid bv ttllilre 11 bull roeult ar trtdltlon or lew ln bull mrkot arbullbulll Ultse coots arerudlly ld911UII11No tlflus tht 1sller peya tMtt oootl In Yirtually ell eltlet tr~ntaotiant SPJclel ot orutlv liMnolng adU~tmontt can bt rnocle to the oommiddot plrable proportv ily aomptlisont to financing termbull offered by a third psrty instituric~lllandor thai io not afmtdv lnvclvad In tht propshyortv or trantecrlon Any Olltfjua~tnent aPtould not bm talaulartd on 1 meltgthbullnloel dollor for dollsr cabullt of tho ilnsnclng or oltmcot~lon but th~ dollar amtount of anv ad)ubulltmont ehtould apprlgtlCimato tht Markatbull rltbullaotlon to thl tlnonclnltr or ccncetlone baood on th~ onJ~Ufjorbull judgmeot
CltRTlFICATION AND STATEMENT OF LIMITING CONDITrONS CERTIFICATlON Thl Apprlliter ~artlllampbull ana reea thogtt
1 The Appr~llttr lult M prou11t or contemplollbulld futlire intorebulll in tJoe prcpbulllllbullpprlitampltl ~ncMithar lhs omJ)JO(mont to mako lite oppraluf nor he oom~~uutlon lor It Ia oantlngenf upon tho ejlpi~lbullad value of ho prGperrmiddotr
~ Thbull Apprmbullor hebull no paortallnter~al In or bias wfth repaot to th~ eubjogtet mtlter ol tho apptolool repo~ or tho pnr11clpanto 10 th oalo Tho eetlmlltt or Mor~at Vo11e In the lljlpraiul roport Iamp not ba~ In whola or In palt llpon the reco color or natlcn-lcHgin of thbull prcapoclfiM owMrs or ooouponl8 ol thapropJrlf eppralsod or u)on the taon ocor or notional origin of tho praunt ownoro or oocupantbull ol lito propartioe In t~ vfclnll( of rh~ IHGporty apprafbullad
3 Tho Appralttr hoe l)oroan~lly lntpeotad Utltl propwrty bolh lnaldbull ttnd a~r arltl ~ madbull an ooxurlot in1ptc1tan af ell cwnperehla bull~les ~~tod In lhfl npott To thbull but ctf tht Apprelearbull knowtodol~ sfd Hillel alt stttemenlbull and lnfarmotloh fn th~ roport 114 truo and bullbullmtal ~rtt tJe Apprel~ar h8t noc knovrngy wltllhtld ohV algnlneal1t lnfltJtrnatlon
4 All conlll~tnt end limiting ~ond1tlortt arbull GontalogtoJd hotoln limosbulld hy the termbull ol tha eoolgnmanl or by the LondtroiQnod olteotlngtlia anofJliOt Gplnloflt oond oonaluaonbull conralnad rn tha Fei)Ogtrlt
5 TNbull opproiulltpart has boon made In ~bullmforiTlty with ond Is oubreo( to tht ttqulr11lt1ampnto of tho Codamp of Pr~fassfanal Ethics end Stoinltlltls of Prolaolianal Conduort or thG bullpprnlssl GIQampnlznlant vmiddotlth whloh ~ha Al)rnlut Is afflneiad
8 All ooncluiliono end oplnlont concorrlno tlbulloo tatl aotbulltbull thst ort tet rarlflln tho apprUnl report ware prepari hv 1M Appralur whoto olgnoturo ooppoa on thltl ~tpproJI raport unlbullbullbull IMloatood a 11avltw Appralosr No ohenga of any Item 11 tho eppriiU~I t~port bullhall be mod~ by anyono othtt tluln ho Apptofnr ftnd lhamp Apprsleer ahall havo na rotponJbillly fer anv uah lttnouthodzed
ohbull~middot
CONTlNGllNT AND LIMITING CONDIIIOffil lt4rtlfialfllon of the Appraiser ~pp~lt~rtn11 In tM orppralsar roport Is subjaot to tna folfowlng oondttlons end to euoh other opecolrlo bullnciiiNJUng oondiHons u era aet forth bv Uo Ap(ltJieor in t~o rtport
1 The 1ppriHaer ~null4m M rslgtonslblijty for matte- of a legal neru affaotlng tha propampfV apptols~d or chbull titlt thbullrot~ not dcos tho Appralnr r~nltUt ~ny opinion bullbull to the tltlo whfh Is ftbull~m~d to bt good and matketnbt6 Tloa property appr41Ud es thouq h under tsspoleJbhbull ownerohfp
2 Anv tlltatoft In tlto r~tport may bullllow spproodmor~ dlmof$lona end fs lnolltlad Ia anlst th~ nad~r In oisuolfltlnQ th~ prop4ny 1M Apprsi~or hu made no svrvoy af tho proporly
a Thbull Appralosr io not qulrsd to ~lvamp tobulltiotiOl 01 appear in aouri bo~bullJIH of having m8damp thl appro1aal with ref~ ranco to Ute praportv in quetUcn unlaso arretlgemoobull ~avbull bbullon prlhi~raly mad OJ tftltmbullfor
4 Any dlbullttlbution of thltr valuation In lite rampport betwoen land nnd lmprovamtnts appfisf only urgtfar the malng prog~m af utiJI~otion The s-oparatbull valua11onbull tor lltnd ond b~lldlng tnuft not b~ Uliltld frt conjOncrioM with ShV aliter eppralslli and era invgtlld If to Uftd
5 Tha Appralut i~Jsumeo that thora ate no hlddon or un~ppsunt condlclono of thbull pt~p~ny eubactl ot strucntramp~ which waufd rendor It moro or lass vai1Jabi4 Tho Apprefs~r asournbullu 110 roponelblll1y tor tltr~h ctnditicent~bull or fM anglnaampring which rri~kt be required to discover auch fftctDn
8 Information ampS1iltnatet end o-piniont lurnlshed ra llta Apprai9et bullnd contained in tiN toport w~re obtornod hom ourebs oonsldmiddot orod reliolgtlo trd lgtnrtavad to bt truo and oorrect Howevar no rooponslbllitv fcrecrlllampey of eucl lome furnfohad tho Appraiser can bo BUUmod bv the Awrllsorr
1 Olactosuro of lite oontampnr oltho approJool ramppcrt fa gorned by 1ho9 Bvfbullwa ampnd fle~ul~1ions of rho protasnlonel ~pprohel orgbullnlshyl~tlona with which tno Ai=Pltbull~Gr is ~ffilialltd middot
4 Nafthor bullh nor bullny pert o( the CltltfG11 of tho tt~art Ot ~apy thet~of lincludino conolorolont oo to tho prop~~y vnfubull the identity of tnlt~ Approoor prohbulloiansl dlt~bulliglttlons r$loronc~ to ony jlrofQoslegtnill epplllal organiadono tho firm with which lho Approlnt ia connncttd) slutlt be u~od lot nny purpo~ lgty nnyoM but tho errant ~pooltl~d In tha repor tho bol~wor If approitol lu pnld by ~ovne tho mor1qo~aa or h$ Rtocurs erol nort)no morrgo~o lluurort conouitant profuofonsl dppraisef argnnllailtlmt any l~te or fllltlofllly optotovod finenol lne~tutian lny d~rgtbullrtmont agoncv or inttrumontaHy of doe Unt81 State9 or ~ny bullbull 01 lht Oishlot of Colutnbi~ without tfoe proviouo1 wrltttll oon~snt of tlo Approioar nobull bullhoU It bbull convbullvbulld by anyon~ to thbull Pltthll~ thiltlugh 8d~artiaibullltJ public rampIIIICiona news~ stflf or ocflor mbulldia wftfl)lft the writt111n CCnlont tl1id opprobull1d of Ula Appt~Sl~u~r
9 On 5iJ CJPDrehilll$ $Ubject to ~ldetactory cotnplrttlon rnparl or alt~ra1iDI9) thn epornlsnl -JCIrt ~~gtllf - ~r--~lt1slon Utl conHnmiddot gllnt upon coflyen1amption ol lho lflrevel)entl Ia a wnrkmanlik$ m-omr1Gr
BORROWER Dobkin
PROPERTY 6fl2() Lfdo Lnne rottr lleach ca 90803
Appraloorlbulll
YAioNbull~ FbullrrJt- MoM ~-m41~JULU-1 Fltlfm 1co~ n JJ~ 8~11
Dwyer Appraisal
Ftre No )illQ2_
~UP~~~~--------~-----------------~------------------------------------~p~~~ll~~~~e------middot----middot~------------------------------------~~---middotmiddot-----
f--Citv I~ Seilt~ CCUQ1 ~~middotlu---------~---~2i p_Codo_90ll3ltgt=-----~-__ Londer alASpound ~HioiTAii fUHltI~L tll27
AlPJlAISBi ClmTIFICAIIONS amp COMPLIANCE lllTH FIRRA REQUIREMFNlS
bull The puiJl1lle of thif f)Pgttlul b to estlllato hlr Harket Value as cleflnol In tho attamplthiod FHLK( fern 4J9of tt- bullbltrle deo~ribed real ~rty lhia appllliwt 1s f9r thamp SGt and txcl~ntv u1e of the ~e described ~~Cl l~tbull
lhta eAOreiL nay bo ~bulltd for federally ftlated rort~ lcall prrpous $bject to title XI o1 tho FIMnbullfbulll Insettuttcns Rtfon r~E~Wr) EllfGltcanetot Act of 1989 (IIAA61) The 1Mers1~ oppralter(a) aekrQtledg= ~flet thoy have rMd end Ydarstand tle Utfor arlfard$ of Proloslotw~l ~alool Prectf 1USIP 1 at they ~tocl end y bt atltndod 110lt1 tlre to tiM by thamp twrbullhal StIWdartfs gtard of the 4fgttaisal fonlatton ~rrl u trplenbted by IIOd 1nco~rsted fnto the oce (Off1oe of the CAlrtptrctltr of thamp Currency) ~Uqulatmiddot gtIU 1hla llgtrisampl QOIII)l with ilCC RegJlationt PSgtlt1 tfgte tlnl10~JI $tarderltls of Prof-teN~ P~cttca (IJSPtP)
the legal dorlptl011 9f tile prltlf)erty u ~on t~~ fi((t ~ of tMt t~R~rataal regtainod frm tha cnnty teK uunws riOOIds
middot ot-r ~rltgtd 11hlch ort eotiQred to ~ relloble- but Mt liJ(Irlltltoed Tho tot atgtd trs~t n~ lldar the aueuara par~L nlbller ~ra nsiIGIti lld~taly dtscriptlve ~ ~~ ot bull prtlbrirv~ry ti~lt report WIIoS rlaquoJUsted fron tb~ l~r bvt rltrt reeelv~ at the tiM llf loMe of this ~hsL
Th ~rlllampil$ eJtill8te af Nuaratgtle 1111rkttlng tine for ampAlje~ p~rty eelriltl~ ~hh the rlcetlng tiM shgtlm Cfl tht frolttt pogo It also rntated In the roment section en the nOOIICI ~ of tile lj)lltafaal
If tho tlbletta sa b val~ Is difforant thoR tite Estltcf valtJe t1~ val~ 11Hl bt stated in th ~te~oocfl btftlrl seetlcn of en rahal lepartlf thet are tne u~~e Qnly tigtQ aa 1 wlu~ 11 atatodA buH4fllQ Uldbullr ()()MtructOn ar In gtelaquolt of rqraquolra cr slttratfcns ll rerplre tilbull 1Ettita of llltrrktt vatbull lth tho ~~at~ 1albftct te box beilll chckocl Stlt thbull bac~ ptge of the ~pFn~iaal repon bull tha infanrat1et~
he scrpe of tMt flrahal frtoOlvod data oollettlon frcn vtltOIJa =r~t ta-fdered to be roliotblltJ 001 ~~ gvarantetd tn~ltdirg bst Li11itld to llblQ r~rd infec-t~Ltfa obta(hed flllfl hi lol COInty re=derbull Offiee Tll~ ll4tbQJfd1 t~oc Dmar local ttJttfple tlng a~vice1 buyen setteramp alli real ~t4te brQI(tra tooflrnotion Uo$ mt by ~ros~-cfleckirg fnfcr111tion ~ith tilt rorcu ntiCIlld middotthe llt~tultamp ere then repoltld fn the QWItlprfiltamp lrxirtftr~ on the bullr1lrel~l rtpOtt o~ ldd~lho pr1Mry data liOWCH bullrot provided the grid sectfoo lltfllt ap4U parnlb A phy$1cll 1npect1cn of tht fnt~tlor Itd exterior of the tlbject lrwerty 111 corjucte at ldltcl e thbull Epllraiter urilt t~o projlOrty l c~~loolated tlte orproJf-te l(fJare foe~ of l lvfrg amptea lhe ~raiamper tiiEtl ltIIcentltbull by tho fret
middot~h of tho laquot~~p~~rlblbulls ~nd tekh~ lIOtlta as to tMfr a~rrlftt ~leltol claquoldhioo for wul~tioo of their aolitiCII 11t ti~~e of salt
lhlre lilt~ rtl 11gt0141 pcraorat ~rty ttllfiS f1Mtut or tnt~rgb~t 1t~4 1101 notrolly ccnoidere bull part at tho rl MUte 1ncltdiod in i)raisod vatue of tht Pject ~rty My porKIIIl pr~rty iJ ~rteltl ltgtn l ttparete a6teldJ
the trltferbulllg~ed awratr(a) preaergtt end eertlfy thlrt~ (4) tt1e BProfoal auig1-t ~bull nat bas-M lt401 reqJtHIII nfnilltJil Vlluatflaquol eel fie valoetlro or tre owrltml Of toanBl etpiO)Wit of the appraiser wu rltrt oorditlmed OJgttO the awrabel produeii1Q a ~poet fie Jot or 10 1111lut vithfn a givon r9hgiJ CClfuru~ ~~t h rtGt d~~t qlCll en apprlhal prQdJclng a speelfie vatubull (D) amprp~t gten~atlltn ard fvtue eoplCY)lOnt Ire r-ot lasod ~ llllt~ leon lpPlicttioo h tppro~ed ltElnetlgtor the awrats rar any pelt(tl ~itlt
JOrerahlp intbullr~bullt In the ~ tqllaying the Gwrainr b rtla~~ to or hoa allj Wttrship or cthltr tlnncal lnterost 1rt eitller lxlildeobulldcvbulliper aeLler buoftr ror~e bttl~or Ct rtlt~l estate lltQk~r~~rsa (or a~y ~nM relatod to any of dlltr) irrol~ed in tNir~ti~ f) ihfoh this appntisal luu ~ raq1estod or utth th the l()t recalt nle or ratlnancfrg or irtY ll(OltIIty usid u a lttr11bte praportylogt thh epp-alsal ard (I) th lp9raiser h not ~~~o~are of tllf f~cta lhiltfl uould dtaqu~ify the frtn bcdng deelt to btt rwfeponrlltlft epprehel far ~rjlltI~H of $ltJQtion ~4S of th~ oee A9lotloo AOgulatiCgtlo
The IAdersignoltS apprainrCgt) h~relr ~ogtknltgttl~ ancl ~rtify that t~ltsy ar fbullJll) qBltliod ard Ogtltpqtetlt ly their training boltlge amp rience to f)rforll thh appr~hbulll II ~fter acltejgttallle of the ~tlgtrahol IHS lggtMt ald dullng the OJru of cordtlct f rg the ~wr~isal FPrampisr diac011ero tllilt tnoy ore rot fully ~t~ to jgtdrfor th owraiulthe ~ta~r will OOrjgtly vlth tht Coopetency ~ravtslcn SPAr
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middotmiddotmiddotmiddotmiddotmiddot~
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~imiddot ~ middot
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6020 lido lane long beach ca - Google Maps Page I of I
To see all the details that are visible on the screen use the Print link next to the map
Dwyer Appraisal
Ftre No )illQ2_
~UP~~~~--------~-----------------~------------------------------------~p~~~ll~~~~e------middot----middot~------------------------------------~~---middotmiddot-----
f--Citv I~ Seilt~ CCUQ1 ~~middotlu---------~---~2i p_Codo_90ll3ltgt=-----~-__ Londer alASpound ~HioiTAii fUHltI~L tll27
AlPJlAISBi ClmTIFICAIIONS amp COMPLIANCE lllTH FIRRA REQUIREMFNlS
bull The puiJl1lle of thif f)Pgttlul b to estlllato hlr Harket Value as cleflnol In tho attamplthiod FHLK( fern 4J9of tt- bullbltrle deo~ribed real ~rty lhia appllliwt 1s f9r thamp SGt and txcl~ntv u1e of the ~e described ~~Cl l~tbull
lhta eAOreiL nay bo ~bulltd for federally ftlated rort~ lcall prrpous $bject to title XI o1 tho FIMnbullfbulll Insettuttcns Rtfon r~E~Wr) EllfGltcanetot Act of 1989 (IIAA61) The 1Mers1~ oppralter(a) aekrQtledg= ~flet thoy have rMd end Ydarstand tle Utfor arlfard$ of Proloslotw~l ~alool Prectf 1USIP 1 at they ~tocl end y bt atltndod 110lt1 tlre to tiM by thamp twrbullhal StIWdartfs gtard of the 4fgttaisal fonlatton ~rrl u trplenbted by IIOd 1nco~rsted fnto the oce (Off1oe of the CAlrtptrctltr of thamp Currency) ~Uqulatmiddot gtIU 1hla llgtrisampl QOIII)l with ilCC RegJlationt PSgtlt1 tfgte tlnl10~JI $tarderltls of Prof-teN~ P~cttca (IJSPtP)
the legal dorlptl011 9f tile prltlf)erty u ~on t~~ fi((t ~ of tMt t~R~rataal regtainod frm tha cnnty teK uunws riOOIds
middot ot-r ~rltgtd 11hlch ort eotiQred to ~ relloble- but Mt liJ(Irlltltoed Tho tot atgtd trs~t n~ lldar the aueuara par~L nlbller ~ra nsiIGIti lld~taly dtscriptlve ~ ~~ ot bull prtlbrirv~ry ti~lt report WIIoS rlaquoJUsted fron tb~ l~r bvt rltrt reeelv~ at the tiM llf loMe of this ~hsL
Th ~rlllampil$ eJtill8te af Nuaratgtle 1111rkttlng tine for ampAlje~ p~rty eelriltl~ ~hh the rlcetlng tiM shgtlm Cfl tht frolttt pogo It also rntated In the roment section en the nOOIICI ~ of tile lj)lltafaal
If tho tlbletta sa b val~ Is difforant thoR tite Estltcf valtJe t1~ val~ 11Hl bt stated in th ~te~oocfl btftlrl seetlcn of en rahal lepartlf thet are tne u~~e Qnly tigtQ aa 1 wlu~ 11 atatodA buH4fllQ Uldbullr ()()MtructOn ar In gtelaquolt of rqraquolra cr slttratfcns ll rerplre tilbull 1Ettita of llltrrktt vatbull lth tho ~~at~ 1albftct te box beilll chckocl Stlt thbull bac~ ptge of the ~pFn~iaal repon bull tha infanrat1et~
he scrpe of tMt flrahal frtoOlvod data oollettlon frcn vtltOIJa =r~t ta-fdered to be roliotblltJ 001 ~~ gvarantetd tn~ltdirg bst Li11itld to llblQ r~rd infec-t~Ltfa obta(hed flllfl hi lol COInty re=derbull Offiee Tll~ ll4tbQJfd1 t~oc Dmar local ttJttfple tlng a~vice1 buyen setteramp alli real ~t4te brQI(tra tooflrnotion Uo$ mt by ~ros~-cfleckirg fnfcr111tion ~ith tilt rorcu ntiCIlld middotthe llt~tultamp ere then repoltld fn the QWItlprfiltamp lrxirtftr~ on the bullr1lrel~l rtpOtt o~ ldd~lho pr1Mry data liOWCH bullrot provided the grid sectfoo lltfllt ap4U parnlb A phy$1cll 1npect1cn of tht fnt~tlor Itd exterior of the tlbject lrwerty 111 corjucte at ldltcl e thbull Epllraiter urilt t~o projlOrty l c~~loolated tlte orproJf-te l(fJare foe~ of l lvfrg amptea lhe ~raiamper tiiEtl ltIIcentltbull by tho fret
middot~h of tho laquot~~p~~rlblbulls ~nd tekh~ lIOtlta as to tMfr a~rrlftt ~leltol claquoldhioo for wul~tioo of their aolitiCII 11t ti~~e of salt
lhlre lilt~ rtl 11gt0141 pcraorat ~rty ttllfiS f1Mtut or tnt~rgb~t 1t~4 1101 notrolly ccnoidere bull part at tho rl MUte 1ncltdiod in i)raisod vatue of tht Pject ~rty My porKIIIl pr~rty iJ ~rteltl ltgtn l ttparete a6teldJ
the trltferbulllg~ed awratr(a) preaergtt end eertlfy thlrt~ (4) tt1e BProfoal auig1-t ~bull nat bas-M lt401 reqJtHIII nfnilltJil Vlluatflaquol eel fie valoetlro or tre owrltml Of toanBl etpiO)Wit of the appraiser wu rltrt oorditlmed OJgttO the awrabel produeii1Q a ~poet fie Jot or 10 1111lut vithfn a givon r9hgiJ CClfuru~ ~~t h rtGt d~~t qlCll en apprlhal prQdJclng a speelfie vatubull (D) amprp~t gten~atlltn ard fvtue eoplCY)lOnt Ire r-ot lasod ~ llllt~ leon lpPlicttioo h tppro~ed ltElnetlgtor the awrats rar any pelt(tl ~itlt
JOrerahlp intbullr~bullt In the ~ tqllaying the Gwrainr b rtla~~ to or hoa allj Wttrship or cthltr tlnncal lnterost 1rt eitller lxlildeobulldcvbulliper aeLler buoftr ror~e bttl~or Ct rtlt~l estate lltQk~r~~rsa (or a~y ~nM relatod to any of dlltr) irrol~ed in tNir~ti~ f) ihfoh this appntisal luu ~ raq1estod or utth th the l()t recalt nle or ratlnancfrg or irtY ll(OltIIty usid u a lttr11bte praportylogt thh epp-alsal ard (I) th lp9raiser h not ~~~o~are of tllf f~cta lhiltfl uould dtaqu~ify the frtn bcdng deelt to btt rwfeponrlltlft epprehel far ~rjlltI~H of $ltJQtion ~4S of th~ oee A9lotloo AOgulatiCgtlo
The IAdersignoltS apprainrCgt) h~relr ~ogtknltgttl~ ancl ~rtify that t~ltsy ar fbullJll) qBltliod ard Ogtltpqtetlt ly their training boltlge amp rience to f)rforll thh appr~hbulll II ~fter acltejgttallle of the ~tlgtrahol IHS lggtMt ald dullng the OJru of cordtlct f rg the ~wr~isal FPrampisr diac011ero tllilt tnoy ore rot fully ~t~ to jgtdrfor th owraiulthe ~ta~r will OOrjgtly vlth tht Coopetency ~ravtslcn SPAr
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