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88 Ocean Blvd 2013 WDO repairs CITY OF ATLANTIC BEACH f 800 SEMINOLE ROAD r) ATLANTIC BEACH, FL 32233 INSPECTION PHONE LINE 247-5814 Application Number . . . . . 13-00002606 Date 5/03/13 Property Address . . . . . . 88 OCEAN BLVD Application type description RESIDENTIAL ALTERATION Property Zoning . . . . . . . TO BE UPDATED Application valuation . . . . 20000 ---------------------------------------------------------------------------- Application desc WDO REPAIRS --------------------------------------------------------------------------- Owner Contractor - ------------------------ ----------------------- DOWARD,DAVID A BOSCO BUILDING CONTRACTORS 88 OCEAN BLVD 2158 MAYPORT RD. ATLANTIC BEACH FL 32233 ATLANTIC BEACH FL 32233 (904) 241-0320 --- Structure Information 000 000 WDO REPAIRS Occupancy Type . . . . . . RESIDENTIAL --------------------------------------------------------------------- Permit . . . . . . RESIDENTIAL ALT/OTHER Additional desc . . Permit Fee . . . 150 . 00 Plan Check Fee 75 . 00 Issue Date . . . . Valuation . . . . 20000 Expiration Date . . 10/30/13 -------------------------------------------------------------------- Special Notes and Comments 2010 FLORIDA BUILDING CODE, 2008 NATIONAL ELECTRIC CODE *REPORT ANY UNFORSEEN STRUCTURAL DAMAGE TO THE BUILDING DEPARTMENT IMMEDIATELY. --------------------------------------- Other Fees . . . . . . . . . STATE DCA SURCHARGE 2 . 25 STATE DBPR SURCHARGE 2 . 25 ---------------------------------------------------------------------------- Fee summary Charged Paid Credited Due ----------------- ---------- ---------- ---------- ---------- Permit Fee Total 150 . 00 150 . 00 . 00 . 00 Plan Check Total 75 . 00 75 . 00 . 00 . 00 Other Fee Total 4 . 50 4 . 50 . 00 . 00 Grand Total 229 . 50 229 . 50 . 00 . 00 PERMIT IS APPROVED ONLY IN ACCORDANCE WITH ALL CITY OF ATLANTIC BEACH ORDINANCES AND THE FLORIDA BUILDING CODES. Doc#2013110454,OR BK 16353 Page 1090, NOTICE OF COMMENCEMENT Number Pages: 1 Recorded 05/02/2013 at 03:55 PM, Ronnie Fussell CLERK CIRCUIT COURT DUVAL COUNTY Permit No.--J-37 �6o RECORDING$10.00 Tax Folio No. TI IE UNDERSIGNED hereby gives notice that improvements will be made to certain real property,and in accordance with Section 713.13 of the Florida Statutes,the following information is provided in this NOTICE OF COMMENCEMENT. I.Description of property(legal descrrii ylion): .2 � ,Q G36.- © _.._ ---- a)Street(job)Address: y 2.General description of improvements:_Q�pq� +Yb - _-Q _� _w_�-�•__ _f S %�'Cca •-_ D�zstcs.-._ -- --- --- ��2r! -P�s,'t;,.T _ 3.Owner Information a)Name and address: b)Name and address of fee simple titleholder(if other than owner) c Interest in property 4.Contractor Information / t a)Name and address:?-,K Cep J�jV 1 b)Telephone No.: yI �oZ� JFax No.(Opt.)*- � urety Information a)Name and address: b)Amount of Bond: 'a�'�"' c)Telephone No.: _ _ _ __Fax No.(Opt.) 6.I,ender a)Name and address: Phone No. 7. Identity of person within the State of Florida designated by owner upon whom notices or other documents may be serve a)Name and address: b)Telgphone No.: Fax No (Opt.) 8.-In addition to himself,owner designates the following person to receive a copy of the t..ienor's Notice as provided in Section 713.13(1)(b),Florida Statutes: a)Name and address: b)'I'elephone No.: Fax No.(Opt.) 9.Expiration date of Notice of Commencement(the expiration date is one year from the date of recording unless a different date is specified): WARNING TO OWNER: ANY PAYMENTS MADE BY THIS OWNER AVER THE EXPIRATION OF THE NOTICE OF COMMENCEMENT ARE CONSIDERED IMPROPER PAYMENTS UNDER CHAPTER 713,PART 1.SECTION 713.13, FLORIDA STATUTES,AND CAN RESULT IN YOUR PAYING TWICE FOR IMPROVEMENTS TO YOUR PROPERTY. A NOTICE OF C:OMMF,NC:EMFNT MUST BE REC'ORDE'D AND POSTFD ONTile,JOB SITE BEFORE TFIE FIRST INSPEC170N. IF YOU INTEND"PO OBTAIN FINANCING,CONSULT YOUR LENDER OR AN ATTORNEY BEIrORE COMMYNCING WORK OR RFCf RDING YOUR NOT1CP OF COMMI?NC1?MFNT. STATL OF FIX)RIDA COUNTY OF VINKVI.AS 10, signatu'or o-.or -, u_U riaxt 0IYusr/0irecu)r/ ruu-/Malager Print rnu The foregoing instrument was acknowledged before me this day of Itt-ot y 200 ,by as (type of authority,e.g.oMee.r,trustee, mtoruey in fact) for (name of party on behalf of whom instrument was executed). ti aiSaWy' OR Produced Identification Notary Signature Type of Identification Produced Name(print)_ - WILLIAM L.FORE OR Notary public,State of Florida Verification pursuant to Section 92.525,Florida Stalut". Under penalties ofperjury,I declare thal I hit\'Mf06MM gx �1f 1,t181>2Q15 the facts stated in it are true to the best of my knowledge and belief, Commission No.EE 128745 PONMVNIN',rvW2(110 SignNtifre orNnlmHl Pelson Sinninn(in fine P 1p.)AN)\c i City of Atlantic Beach Building De r ^: g p artment �2 •e�assig by fie R"ui�i�jg'�Department)` 800 Seminole Road `- .a Y ' . ` •'> yr .`4'� ' `' - ti, x s Atlantic Beach, Florida 32233-5445 s r Phone(904)247-5826 • Fax(904)247-5845 E-mail: building-dept@coab.us City web-site: http://www.coab.us APPLICATION REV1 W AND TRACKING FORM Property Address: 00 `{�C� -Qopaftent review uired Yes o Building Applicant: s� �( /�p�,` ing&Zoning Tree Administrator Project Q !L �� Public Works Public Utilities Public Safety y Fire Services I Other Agency Review or Permit Required Review or Receipt Date of Permit Verified By Florida Dept.of Environmental Protection Florida Dept.of Transportation St.Johns River Water Management District Army Corps of Engineers Division of hotels and Restaurants Division of Alcoholic Beverages and Tobacco Other: APPL19ATION STATUS Reviewing'Department First Review: Approved. QDenied. (Circle one.) Comments: BUILDING PLANNING&ZONING Reviewed by: Date: j TREE ADMIN. Second Review: (Approved as revised. []Deni PUBLIC WORKS Comments: PUBLIC UTILITIES PUBLIC SAFETY Reviewed by: Date: FIRE SERVICES Third Review: [,Approved as revised. []Denied. Comments: Reviewed by: Date: Revised 07/27/10 BUILDING PERMIT APPLICATION CITY OF ATLANTIC BEACH 800 Seminole Road, Atlantic Beach, FL 32233 Office (904) 247-5826 Fax (904) 247-5845 Job Address: cQat 61 V Permit Number: 13--, GD6 Legal Description 77jcl _141 Vic[ Parcel # oor Area of Sq.P't. q.Ft Valuation of Work$ Proposed Work heated/cooled non-heated/cooled Class of Work(circle one): New Addition Alteration Repair Move Demolition pool/spa window/door Use of existing/proposed structure(s) (circle one): Commercial If an existing structure,is a fire sprinkler system installed? (Circle one): Yes No Florida Product Approval # For multiple products use product approval form Describe in detail the type of work to be performed: �� G/OuS,C- —D 6�� �✓ %Y''L p-drn e00 v„,ac c — S.N c ccs -- y rc.l c_ nl I /✓�?7tin'9 r i�vc u.�.�L. . Property Owner Information: Name: PAV IID Rok7wt*-0 Address: �, C` c_� n City Arr1,*•.WN YZ c. &e_4 zA StateFjLZip 32233Phone LpyD 315-1-17:�,e L, E-Mail or Fax#(Optional) eAA A —it.11 ektocol, 4C 4e% Contractor Information: Company Name: i Quali i g A ent: VU I Address: Ci State Zip Office Phone 3 Job Site/Contact Number Fax#9 State Certification/Registration# Architect Name&Phone# DE COM_ Engineer's Name&Phone# Fee Simple Title Holder Name and Addres CrffBEACH Bonding Company Name and Address bEh PhRMITS FORADDITIONAL Mortgage Lender Name and Address ONS. S!�������yy •"�1P'Yi1,�R`WIbY�M�.�VCO71l.�PW[.Y"NK�� Application is hereby made to obtain a permit to d e wor NniMAN, ed. tallation has commenced prior to the issuance of a permit and that all work will bep-.,-. urisdiction. This permit becomes null and void if work is not commenced within six(6)months, or if construction or work is suspen a ora an one o iod of six(6)months at any time after work is commenced. t understand that separate permits must be secured for Electrical Work, Plumbing,Signs, Its, Pools, urnaces, Boilers,Heaters, Tanks and Air Conditioners,etc. WARNING TO OWNER: YOUR FAILURE TO RECORD A NOTICE OF COMMENCEMENT MAY RESULT IN YOUR PAYING TWICE FOR IMPROVEMENTS TO YOUR PROPERTY. IF YOU INTEND TO OBTAIN FINANCING, CONSULT WITH YOUR LENDER OR AN ATTORNEY BEFORE RECORDING YOUR NOTICE OF COMMENCEMENT. I hereby certify that t have read and examined this application and know the same to be true and correct. All provisions of laws and ordinances governing this type o work will be complied with whether specified herein or not. The granting of a permit does not presume to give authority to violate or cancel the provisions of any other federal,state,or local law regulating construction or the performance of construction. ,Jy� Signature of Owner Signature of Contracto Print Name 1(,� ( " . Print Name 770-PP i4• 001f o. Sworn to and subscribed before me Sworn to and subscribed before me this i Day of ^ 120/3 this Day of�,_cja,,z Ul 1-lAut3WA ' L.POPE Notary Public,State of Florlda A) ! / Notary Public,State of Florida Notary Public 1111y Uomm.Expires Oct.18,2015 Notary Public Commission No.EE 128745 Commission No.EE 128745 Revised 01.26.10 7 ittement Statement I' OMB Approval No.2502-0265 1. FHA 2. RHS 3.�% CONv.Ut �Inaunnce Caw Number. 4. VA 5.0 CONV.INS. L� C.Nob:This form is hmishad to Give you a stateme, - own Items marked"(p.o.c 7'wefe paid outside dray the closing; are Shawn here for hdormatr O.Name d Address of aorrower: .tl k as of en Lder" David A.Doward �St Mortgage,Inc. 88 Ocean Boulevard Lake Destiny Road Atlantic Beach,Florida 32233 1,Florida 32751 Q Property 1-d": ant Data: 88 Ocean Boulevard d,2013 Atlantic Beach,Florida 32233 90a-s 7c w_a-®r e. The Law On,. rA. 2187 South Thiro Jacksonville Beach,Florida 32250 Phone:(904)372-9351 J. Summary of Borrowers Transaction K. summary of sellers Transaction 100.Gross Amount Due From Borrower: !�f 400 Gross Amount Due To Seller. 101. Contrail Sales Price 549 000.00 401. Contract Sales Price 549,000.00_ 102 Personal Property 402. Personal Property 103. SettlementCha s to Borrower line 1400 18,349.00 403. _ Ad uatments for Items Paid Seller in Advance: Ad ustments for IEems Paid Seller in Advance 106. Ci I Town Taxes 408- Ci /Town Taxes - 107. Coun !Parish Taxes 407. County/Parish Taxes 108. Assessments 408. Assessments _-- 109. Reimburse Seller P ane 409. Reimburse Seller P arra 120. Gross Amount Due from BonrOW11567,349.00 420. Gross Amount[)us to Seller. 049 000.00 200. Amounts Paid by or in Behallof Borrower. 500. ReductionA s in mount Due to Seller: _-- 201. De sit or Earrtesl Mone 5,000.00 501. Excess Deposit see instructions 33,310.00 202. Princi 1 Amount of New Loan 549,000.00 502 w Settlement Charges to Seller(Line 1400) 203. Existing Loans taken sub-ect to 503. Existin Loans taken s act to 204. Origination Cha es POC 50.00 504• Pa off of First Mort a e Loan 205. Application Fee POC 550.00 505- Pa off of Second Mo Loan 206 506. Purchase Money Mortgage Adjustrneots for ltems Unpaid by Seller. A ustmenta for Mems Un aid b Seller: 210. Ci /Town Taxes 510. Ci /Town Taxes --35 211 County/Partsh Taxes Jan 1,2013 thru Apr 18, 2,342,35 511. 22013ry/Parish Taxes Jan 1,2013 thru Apr 18, 2342_35 2013 212. Assessments 512. Assessments 3843 OQ 213. Seller Paid Deed Stam s 3 843.00 513. Seller Paid Deed Stam s 2,820.00 514. Seller Paid Owners Title _._2,820.00 214. Seller Paid Owners Title 450.00 215. Seller Paid Ciosi Fee 450.00 515. Seller Paid Closi Fee280 00 216. Seller Paid Survey280.00 516. Seller Paid Surve 220. Total Paid b 1 for Borrower. 583 T85 35 520. Total Reduetlona in Amount Due Seller: 43 045.35 300. Cash at Settlement from 1 to Borrower. 600. Cash at Settlement to I from Seller: 549,000.00 301. Gross Amount due from Borrower line 120 567,3 49.00 601. Gross Amount due to Salter(line 420) 43,045.35 302. Less Amount Paid Ifor Borrower line 220 563 785.35 602. less Reductions Amount due Seller(line 520) 303. Cash From Borrower: $3,563.65 603. Cash To Seller: $505,954.65 The Public Reporting Burden for this collection of information is estimated at 35 minutes per response for collecting,reviewing,and reporting the data. This agency may not collect this information,and you are not required to complete this form,unless it displays a currently valid OMB control number. No confidentiality is assured;this disclosure is mandatory.This is designed to provide the parties to a RESPA covered transaction with information during the settlement process. Pa e 1 of 4 HUD-1 Previous editions are obsolete g April 19,2013 11:05 AM Settlement Date:April 19,2013 Loan Number.0234257061 File Number:RS 13-1340 L. Settlement Charges Paid from Paid from 700. Total Sales f Broker's Commission:$32,940.00 Borrowers Seller's Division of Commission(tine 700)as follows _ Funds at Funds at 701. 16 470.00 to ReMax Unlimted Settlement Settlement 702. 16,470.00 to Keller W iltoiams Rea 703. Commission Paid at Settlement 32,940.06- NO. 2 940.00000. Items Payable in Connection with Loan: 801. Our origination charge (from GFE#1) $6,190.00 802. Your credit or charge(potnri)for the specific interest rate chosen (from GFE#2) $-5,517.45 803. Your adjusted ori (nation char es from GFE#A 672.55 804. Appraisal Fee (from GFE#3) to Michael P.Wilson oc$480.00 by Borrower 805. Credit Report (from GFE 03) to CREDCO 12'50 806. Tax Service 807. Flood Certification (from GrE#3) to Coret-ogic Flood Services 6.00 900. Items Required by Lender to be Paid in Advance: Daidayly interest charge from Apr 19,2013 to May 1,2013 58 2800 1 day for 12 (from GFE#10) 699.36 901 902. Mortgage Insurance Premium from GFE-93) 903. Homeowner's Insurance for 1.00 years (from GFE#11) to Federated National 1,057.00 -- 1000.Reserves Deposited with Lender: 1001. Initial deposit for your escrow account (from GFE#9) to SunTrust Mortgage.Inc. 4,714.09 1002. Homeowners Insurance 3 months a$88.08 per month 5284.24 1003. Mort a Insurance 1004. Property Taxes 8 months $633.30 r month $5066.40 1099. Aaareciale,Adjustment 5.616.55 1100.Title Cha as: 1101. Title services and lenders title insurance from GFE#4 922.00 1102. Settlement or Closing Fee to The Law Offices of Rod Schloth,P.A. $450•Q0 1103. Owners Title Insurance(Old Republic National Title Insurance Company) (from GFE#5) to The Law Offices of Rod Schloth P.A. 2'820'00 1104. lenders Title Insurance(Old Republic National Title Insurance Company) to The Law Offices of Rod Schloth,P.A. $150.00 - Lenders Premium(Risk Rate Premium:$25.00) Endorsement 8.1 $25.00 Endorsement FL Foran 9 529T00 1105. Lenders Title Policy Limit$549.000.00 - 1106. Owners Tale Policy Limit$549.000.00 $2,304.40 1107. ent's Portion of the Total Title insurance Premium 87.60 -- -1108. Underwriters Portion of the Total Title insurance Premium 1200.G it Recording and Transfer Cha s: from GFE 210.00 1201. Government Recording Cha as 1202. Deed$18.50 M e$171.50 Releases$20.00 from GFE#8 6,862.50 1203. Transfer Taxes Mortgage$0.00 1204. Ci /Coun tax/stam Deed$0.00 1205. State tax/stam s Deed$3,843.00 Mortgage$1,921.50 1206. Intangible Tax $1,098.00 to Clerk of the Circuit Court 1207. Other Tax 2 - 1300 Additional SettlementCharges: from GFE#6 83.00 1301. Required services ins ou can ihoofor 1302. Survey 280.00 to Exacta Land Surve rs 1303. Pest Ins ection 1304. Warranty 370.00 to 2-10 Home Buyers Warranty 1305. Reimburse Beach Letter 1000 to The Law Offices of Rod Schloth P.A. _ ___ - 1306. Tax Service $83.00 to ValuTree R/E Services _ __ - 1400. Total Settlement Charges(Enter on line 103,Section J and line 502,Section K) $18,349.00 i $33,310.00 -- April 19,2013 11:05 AM HUD-1 Previous editions are obsolete Page 2 of 4 .Settlement Date:April 19,2013 Loan Number 0234257061 File Number:RS13-1340 Comparison of Good Faith Estimate(GFE)and HUD Charges Charges That Cannot Increase HUD Line No. Good Earth HUD Estimate Our origination charge #801 6,190.00 0 fi 190.00 Your credit or charge(points)for the specific interest rate chosen #802 -5,617.45 -5,517.45 Your adjusted origination charges #803 672.55 672.55 Transfer taxes #1203 6,862.50 6,862.50 Charges That in Total Cannot Increase More Than 10% HUD Line No. Good Faith HUD Estimate Government Recording Charges #1201 300.50 210.00 Appraisal Fee #804 480.00 480.00 Credit Report #805 12.50 12.50 Flood C i tcation #807 6.00 6.00 Title services and lender's tide insurance #1101 1,367.00 922.00 Owners Title Insurance #1103 2.820.00 2,820.00 Tax Service #13061 83.001 83.00 Total 1. 51069.004,533.50 Increase between GFE and HUD Charges I S35.S0 -10.56% Good Faith Charges That Can Change HUD Line Na. Estimate HUD Initial deposit for your escrow account #1001 5,541.68 4,714.09 Daily interest charge from Apr 19,2013 to May 1,2013 0 58.2800 f da for 12 days #901 699.36 699.36 Homeowner's insurance #903 1 057.00 1,057.00 Loan Terms Your initial loan amount is 5549,000.00 Your ban term is30 rs Your initial Interest rate is _---— 3.875% Your initial monthly amount owed for principal,Interest,and $2,581.61 includes any mortgage insurance Is [X J Principal [X]Interest Mortgage Insurance - - --- - Can your Interest rate rise?- [X]No. [ ]Yes,it can rise to a maximum of %.The first change will be on and can change again every after .Every change date,your interest rate can increase or decrease by_%.Over the life of the loan,your interest rate is guaranteed to never be LOWER than_%or HIGHER than %. Even if you make payments on time,can your loan balance [X)No. [ ]Yes,it can rise to a mardmum of; . rise? Even If you make payments on time,can your monthly [X)No. ( J Yes,the first increase can be on arse the monthly amount amount owed for principal,interest,and mortgage owed can rise to$ . insurance rise? - - The maximum it can ever rise to is$ Does your loan have a prepayment penalty? X No. Yes,your maximum prepayment penalty is$ Does your loan have a balloon payment? [X J No. [ J Yes,you have a balloon payment of$ due in_years on Total monthly amount owed Including escrow account [ ]You do not have a monthly escrow payment for items,such as property taxes payments and homeowners insurance.You must pay these items directly yourself. (X]You have an additional monthly escrow payment of$721.38 that results in a total initial monthly amount owed of$3,302.99.This includes principal,interest,any mortgage insurance and any items checked below: [X]Property taxes [ 1 [ ]Flood insurance [ ] X I Homeowners insurance L I __ ] Note:If you have any questions about the Settlement Charges and Loan Terms listed on this form,please contact your lender. Previous editions are obsolete Page 3 of 4 HUD-1 April 19,2013 11:05 AM Settlement Date:April 19,2013 Loan Number 0234257061 File Number:RS13-1340 I Bu ars ----.--- --- -- , David A.Doward { 88 Ocean Boulevard _JI Atlantic Beach Florida 32233 Sellers Vincent R Ferrgno,Jr. Linda Ferrgno 828 Baisden Road Jacksonville,Florida 32218 — Property Addresses 88 Ocean Boulevard i Atlantic Beach Florida 32233 --- — I have carefully reviewed ft HUD-1 Settlement Statement,and to the best of my knowledge a belief is true and accurate statement of all receipts and disbursements made on my account or by me in this transaction. I further c ' opy of HU - ertT2TTt Statement. Borrower. — -- -- David A.D d V cent Ferrig r. 2 MO — Seller Linda Ferrigno The HUD-1 Settlement Statement w pr is a true and accurate account of this transaction. I In caused or will use t funds to be disbursed in accordance with the ins o rties hereto. Date: April 19,2013 Settlement Agent: -- -- ---- Rod Sc th WARNING: It is a crime to knowingly make false statements to the United States on this or any other similar form.Penalties upon conviction can include a fine and imprisonment. For details see Title 18 U.S.Code Section 1001 and Section 1010. ___ ______.—_—.----- --------- -----------—HUD-1 Previous editwns are obsolete Page 4 of 4 April 19,2013 11:05 AM