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CE 1102 HIBISCUS White, Debbie To: Elyse Moore Subject: 1102 Hibiscus Street-Owner Robert Shalhoub, deceased Elyse, Can yo have your property preservation team mow, clean and repair the collapsin wood fence on this abandoned vacant property? Please let me know. Tha ks, Debbie Debbie White Code Enforcement Officer City of Atlantic Beach (904) 247-5855 (904) 247-5845 FAX White, Debbie From: White, Debbie Sent: Wednesday, October 03, 2012 11:25 AM To: 'Elyse Moore'; Bank of America ; Code Compliance-, codecom plia nce@msion line.com-, high risk; code.violation s- Wells Fargo- florence.jones@wellsfargo.com- Nikolas Ladon Subject: RE: 1102 Hibiscus �treet, Atlanti� Beach, Florida - Robert Shalho�b Attachments: 1102 Hibiscus St(dil fence. outs stg, acc str).docx Thanks for yo r response, attached is the notice of violation on this property. If ou have any questions, please let me know. Thanks again, Debbie Debbie White Code Enforcement Officer City of Atlantic Beach (904) 247-5855 (904) 247-5845 FAX From: Elyse Moore [ma i Ito:Elyse.MooreC&safeg ua rd properties.com] Sent: Friday, September 21, 2012 11:39 AM To: White, Debbie; Bank of America ; Code Compliance; codecompliance@msionline.com; high risk; code.viol tions; Wells Fargo; florence.jones@welisfargo.com; Nikolas Ladon Subject: RE: 1102 Hibiscus Street, Atlantic Beach, Florida - Robert Shalhoub Ms. White, e The above mentioned property is in Safeguard's portfolio. Can you please review and advise Nik(copied)on what we are in violation for? Also, please provide a copy of the violation. Thank you! Elyse Moore Code Compliance Specialist Safeguard Properties 800-852-8306 ext.1662 216-447-8246 Fax elyse.moore(d-)safeg uard properties.com www.safeguardproperties.com Customer Service = Resolution@ Safeguarding our clients'interests. Free! AACE Continuing Education Credits. bA� Receive 1.0 CEU when you take our Code Enforcement Webinar <http://st)iuniversitv.adobecoilnect.com/e3n6te7whwd/event/event infJ6.htrnl?preview=false> From: White, Debbie [mailto:dwhite@coab.us] Sent: Tuesday, September 18, 2012 12:19 PM To: Bank of America ; Code Compliance; codecompliance@msionline.com; high risk; code.violations; Wells Fargo; florence.jones@wellsfargo.com Subject: 1102 Hibiscus Street, Atlantic Beach, Florida - Robert Shalhoub Do any of you have this property? Please advise . . Debbie White Code Enforcement Officer City of Atlantic Beach (904) 247-5855 (904) 247-5845 FAX PRIVILEGE&CONFIDENTIALITY NOTICE: This e-mail and any attachments or links contained herein may contain information that is privileged, confidential, or proprietary. Any review, disclosure, copying, distribution, or use of the contents of this e-mail or any attachments is strictly prohibited. If you are not the intended recipient, or received this in error, please delete it immediately and contact the sender. Thank you. 2 CITY OF ATLANTIC BEACH 800 SEMINOLE ROAD ATLANTIC BEACH, FL 32233 PHONE (904) 247-5800 September 26, 2012 CERTIFIED MAIL RETURN RECEIPT REQUESTED Robert Shaloub 3729 Jamestown Lane Jacksonville, Florida 32223 RE: Notice of Violation—City of Atlantic Beach Code of Ordinances and International Property Maintenance Code 1102 Hibiscus Street,Lot S47.5ft lot 6,N 1/2Street Lying S thereof,Block 196,Atlantic Beach Sec H RIE#171012-0050 CASE NO. 71512 Dear Mr. Shaloub: Please be advised,Atlantic Beach Code Enforcement has found the property referenced above to be in violation of Chapter 24, City of Atlantic Beach,Code of Ordinances, Section 24-173 Neighborhood preservation and property maintenance standards and International Property Maintenance Code, 301.3 Vacant structures and land and 302.7 Accessory structures to wit: CITY OF ATLANTIC BEACH CODE OF ORDINANCE VIOLATION Section 24-173. Neighborhood preservation and property maintenance standards. (b) Appropriate maintenance and upkeep. All areas of a lot and structures that are visible from a street or a neighboring property shall be maintained in an acceptable manner, which shall be defined by the following characteristics: I. Lots are maintained free of litter,trash, debris, discarded belongings, automotive parts and old tires, construction materials, and broken and abandoned items. 5. Household items of any type that are customarily intended to be used and maintained within the interior of a residence are not stored or discarded in any location on a lot that is visible from a street. Similarly, within the rear or side yards of a lot, such items are not stored in a manner or amount such that an unsightly nuisance to neighboring properties or an environment that attracts rodents, insects, or other animals and pests is created. (discarded belongings,miscellaneous junk,etc. in rear yard) Page 2 1102 Hibiscus Street September 26,2012 INTERNA TIONAL PROPER TY MAINTENANCE CODE VIOLA TIONS Section 301.3 Vacant structures and land. All vacant structures and premises thereof or vacant land shall be maintained in a clean, safe, secure and sanitary condition as provided herein so as not to cause a blighting problem or adversely affect the public health or safety. Section 302.7 Accessory Structures. All accessory structures, including detached garages, fences and walls, shall be maintained structurally sound and in good repair. (collapsing,dilapidated wooden, fencing and canopy tent ripped roof covering) This letter requests that the noted violations be corrected by removal of all discarded belongings and junk stored outside in the rear yard and remove the ripped tent roof covering and frame from canopy and remove or repair the dilapidated collapsing wood fencing within ten (10) days of receipt of this notice and maintain vacant property. To avoid having this case be referred to the Code Enforcement Board, all listed violations on this notice must be in compliance on or before the date established by Atlantic Beach Code Enforcement. The Board may impose fines up to two hundred fifty($250.00)per day for continuing violations. It is our goal to enforce the codes and ordinances of the City of Atlantic Beach and protect the health, safety and welfare of the City, and accordingly,your cooperation in this matter is greatly appreciated. Please contact Atlantic Beach Code Enforcement at 904 247-5855 if you have any questions or need additional information. Sincerely, Deborah White CODE ENFORCEMENT OFFICER UT200 10 1. City of Atlantic Beach 9/25/12 Customer Master File Inquiry 09: 14:04 Customer ID . . . . . . . . . . . . 4193 Name SHALHOUB, ROBERT Mailing address . . . . . . . . . 3729 JAMESTOWN LANE Zip code . . . . . . . . . . . . 32223 JACKSONVILLE Fl, Delivery point . . . . . . . . . Phone . . . . . . . . 904 - 2479532 Drivers license number . . . . . Social security number . . . . . *****6080 Attention/doing business as . . . Old Account Number . . . . . . . AB12514 E-mail address . . . . . . . . . Customer name type . . . . . . . P PERSON Group number . . . . . . . . . . Deposit sponsor ID . . . . . . . . Display auto pay information Not authorized NO AUTO PAY Display additional information Y YES F3=Exit F5=Services F6=Service orders F7=Cust misc info F8=Alt address F9=Change history F10=Payment plans F12=Cancel F24=More keys White, Debbie To: Property Preservation Companies Subject: 1102 Hibiscus Street, Atlantic Beach, Florida- Robert Shalhoub Do any of you have this property? Please advise. . Compliance Investigation Form Date of Request: �-�13 Time of Request: Investigation# !? I t Name of Person Making Request: Address: Phone # 533Z(/a Z6 3 Investigation Type Location (Address) of Violation: Ce�� Property Owner: lox— VIOLATIONS: Action Taken: 4L JA U 0 Legal Description: RE#: Compliance: FACode Enforcement\Compliance Investigation Fonn.doc Oct 9 2009 'A�0, 1--0 16 /Avz� PropFrtY Appraiser - Property Details Page I of 2 SHALHOUB ROBERT Primary Site Address Official Record Book/Page Tile# 1102 HIBISCUS ST 1102 HIBISCUS ST 07539-01269 9417 ATLANTIC BEACH, FL 32233-2657 Atlantic Beach FL 32233 SHALHOUB MARIA 1102 HIBISCUS ST Propeqy Detail Value Summary RE 171012-0050 2011 Certified 2012-InPriVress Tax District USD3 Value Method CAMA CAMA Property Use 0100 SINGLE FAMILY Total Building Value $75,213.00 $54,946.00 #of Buildings 1 Extra Feature Value $1,251.00 $1,193.00 Legal Desc. 18-34 38-2S-29E.169 Land Value(Market) $48,394.00 $35,489.00 ATLANTIC BEACH SEC H Land Value(Aaric.) $0.00 $0.00 Subdivision 03119 ATLANTIC BEACH SEC H Just(Market)Value $124,858.00 $91,628.00 Total Area 7604 Assessed Value $75,515.00 $91,628.00 The sale of this property may result in higher property taxes.For more information go Cap Diff/Portability Amt $49,343.00/$0.00 $0.00/$0.00 to Save Our Home and our Pror)P[4 Tax Est mator.Property values,exemptions and Exemptions $50,000.00 See below other information listed as'In Progress'are subject to change.These numbers are part of the 2012 working tax roll and will not be certified until October.Learn how the Taxable Value $25,515.00 See below ---—----------- Property Appraiser's Office values property. Taxable Values and Exemptions—In Progress If there are no exemptions applicable to a taxing authority,the Taxable Value is the same as the Assessed Value listed above in the Value Summary box. County/Municipal Taxable Value SJRWMD/FIND Taxable Value School Taxable Value No applicable exemptions No applicable exemptions No applicable exemptions Sales History Book/Page Sale Date Sale Price Instrument Type Code Qualified/Unqualified Vacant/Improved 07539-01269 3/9/1993 $100.00 WD-Warranty Deed Unqualified Improved 07280-02124 1/16/1992 $100.00 WD-Warranty Deed Unqualified Vacant 06972-02014 9/24/1990 $13,000.00 WD-Warranty Deed Unqualified Improved 06966-01422 9/4/1990 $1,000.00 CT-Certificate of Title Unqualified Vacant 07312-01742 4/10/1990 $64,300.00 WD-Warranty Deed Qualified Improved 06828-01081 1/22/1990 $6,909.00 MS-Miscellaneous Unqualified Vacant 06690-00780 4/15/1989 $100.00 QC-Quit Claim Unqualified Vacant 06386-00600 8/11/1987 $13,000.00 WD-Warranty Deed Unqualified Vacant 00000-00000 9/10/1984 $0.00 MS-Miscellaneous Unqualified Vacant Exb---Features LN Feature Code Feature Description Bldg. Length Width Total Units Value I FPPR7 Fireplace Prefab 1 0 0 1.00 $1,193.00 Land&Legal Land Legal ---------- Land nd LN Legal Description LN Code Use Description Zoning Front Depth Category Unk$ Land Type La Value 1 18-34 38-2S-29E.169 1 0101 RES MD 8-19 UNITS PER ARG-1A 72.50 102.00 Common 72.50 Front ge $35,489.00 2 ATLANTIC BEACH SEC H AC Foota 3 S 47.5FT LOT 6,N1/2 STREET LYING S 4 THEREOF CL BY U/R BCH ORD #65-84-10 5 BLK 196 Buildings Building 1 ------—----- Building 1 Site Addre� Element code Detail 1102 HIBISCUS ST Atlantic Beach FL 3223 Exterior Wall 16 16 Tile/Frame Stucco Roofing Structure 3 3 Gable or Hip Building Type 0105-TOWNHOUSE SCH Roofing Cover 3 3 Asph/Comp Shingle Year Built 1992 Interior Wall 5 5 Drywall Building Value $54,946.00 Int Flooring 14 14 Carpet Int Flooring 11 1 lCeramic Clay Tile http://apps.coj.net/pao_propertySearch/Basic/Detail.aspx?RE=1 710120050 9/18/2012 White, Debbie To: Ashley Kay Subject: RE: SKEY 90037 -331 Skate Rd Ashley, The water has been off at this house since August 21 , 2012 . See Attachment. Will take pictures and email them to you Debbie White Code Enforcernen Officer City of Atlantic B=h (904) 247-5855 (904) 247-5845 FAX From: Ashley Kay [mailto:AKay@rmsnay.com] Sent: Wednesday, February 13, 2013 4:25 PIVI To: White, Debbie Subject: SKEY 90037 - 331 Skate Rd Ms. White- Per our conversation I will place a work order to have the grass cut and weeds pulled. Any pictures would be greatly appreciated so we can see what additional violations we can cure during the foreclosure process. Thank you! -IU411 TI-i Reverse Mortgage Solutions, Inc. 2727 Spring Creek Spring,TX 77373 281.719.1561 Office 866.790.3451 Fax IRMS71 oil CASE ACTION FORM Investigation DATE: NAME: ADDRESS OF VIOLATION Action Taken: e7 Compliance: City of Atlantic Beach 800 Seminole Road Account Number: 5071-5070 Customer Name: GEORGE FRYER Atlantic Beach, FL 32233 Service Address: 331 SKATE RD Telephone: (904)247-5816 Bill Date: 02/14/13 Fax: (904)247-5877 Current Charges Due Date: 02/28/13 Service Period Meter Number Current Reading Previous Reading Usage in 1000 Gallons Service Total Service ---F--Total STORM WATER UTILITY STORMWATER 8.39 CURRENT BILL 8.39 PREV.BALANCE 144.46 152.85 R DUE DATE PAY 168.14 The past due balance of$144.46 must be paid immediately or service will be disconnected without further notice. Service will be resumed only after payment of the past due balance and a$30.00 reconnection fee has been made. PERIOD GAL X 1000 DAILY AVG. CURRENT LAST PERIOD YEAR AGO PLEASE BRING ENTIRE BILL IF PAYING IN PERSON.PLEASE DETACH AND RETURN BOTTOM PORTION IF PAYING BY MAIL. FL22574B ACCOUNT# BILLING DATE 02/14/13 City of Atlantic Beach 5071-5070 C RRENT BILL 8.39 800 Seminole Poad U P V. L t Atlantic Beach,FL 32233-5444 DUE DATE REV. BALANCE 144.46 Address Service Requested 02/28/13 152.85 AFTER DUE DATE PAY 168.14 F1 Check Box For Change of Address or Bank Draft Sign Up PLEASE ENTER.AMOUNT.PAID s -1 F 1111111111 1 1111111111 11 11 11 11 1 1-1111.1111111111111 1111 City of Atlantic Beach 03-17 GEORGEFRYER 800 Seminole Road P.0, BOX 331054 Atlantic Beach, FL 32233-5444 ATLANTIC BEACH FL 32233-1054 11111111 1 1111 1 111111 1 11111111 1 11111 1 111111111111 11111111111-1111 Doc # 2007228923f OR 3K 14086 Page 1654, Number Pages: 6, Filed & Recorded 07/16/2007 at 11:46 AM, JIM FULLER CLERK CIRCUIT COURT DUVAL COUNTY RECORDING $52.50 MORTGAGE DOC ST $63.00 Return To: Navy Federal Credit Union 820 Follin Lane Vienna, VA 22180 This instrument was prepared by: Charlene Renner Navy Federal Credit Union P.O. Box 3326 Merrifield, VA 22119-3326 MORTGAGE THIS MORTGAGE is made this 2nd dayofNovember, 2006 between the Mortgagor, ROBERT SHALHOUB, UNMARRIED whose address is 1102 HIBISCUS STREET, ATLANTIC BEACH, FL 32233 (herein"Borrower"),and the Mortgagee, Navy Federal Credit Union a corporation organized and existing under the laws of the U.S. Govt (12USC!751) whose address is 820 Follin Lane, Vienna, VA 22180 (herein"Lender"). WHEREAS,Borrower is indebted to Lender it,the principal sum of U.S.$ 18,OOD.00 which indebtedness is evidenced by Borrower's note dated November 02, 2006 and extensions and renewals thereof(herein"Note"),providing for monthly installments of principal and interest,with the balance of the indebtedness,if not sooner paid,due and payable on December 01, 2026 TO SECURE to Lender the repayment of the indebtedness evidenced by the Note,with interest thereon;the payment of all other sums, with interest thereon, advanc-.d in accordance herewith to protect the security of this Mortgage; and the performance of the covenants and agreements of Borrower herein contained, Borrower does hereby mortgage,grant and convey to Lender the following described property located in the County of DUVAL State of Florida: which has the address of 1102 HIBISCUS STREET [streetl ATLANTIC BEACH [city),Florida 32233 [ZIP Code](herein"Property Address"); 8014095692 8014095692 FLORIDA-SECOND MORTGAGE-1/80-FNMAYFHLMC UNIFO Form 3810 ct-76(FL)(o5m Amended 5/93 OR EK 14086 PAGE 1655 TOGETHER with all the improvements now or hereafter erected on the property,and all easements,rights,appurtenances and rents, all of which shall be deemed to be and remain a part of the property covered by this Mortgage; and all of the foregoing, together with said property(or the leasehold estate if this Mortgage is on a leasehold)are hereinafter referred to as the"Property." Borrower covenants that Borrower is lawfully seised of the estate hereby conveyed and has the right to mortgage,grant and convey the Property, and that the Property is unencumbered, except for encumbrances of record. Borrower covenants that Borrower warrants and will defend generally the title to the Property against all claims and demands,subject to encumbrances of record. UNIFORM COVENANTS.Borrower and Lender covenant and agree as follows: 1. Payment of Principal and Interest. Borrower shall promptly pay when due the Principal and interest indebtedness evidenced by the Note and late charges as provided in the Note. 2. Funds for Taxes and Insurance, Subject to applicable law or a written waiver by Lender, Borrower shall pay to Lender on the day monthly payments of principal and interest are payable under the Note,until the Note is paid in full,a sum (herein "Funds") equal to one-twelfth of the yearly taxes and assessments (including condominium and planned unit development assessments, if any)which may attain priority over this Mortgage and ground rents on the Property, if any,plus one-twelfth of yearly premium installments for hazard insurance,plus one-twelfth of yearly premium installments for mortgage insurance,if any,all as reasonably estimated initially and from time to time by Lender on the basis of assessments and bills and reasonable estimates thereof. Borrower shall not be obligated to make such payments of Funds to Lender to the extent that Borrower makes such payments to the holder of a prior mortgage or deed of trust if such holder is an institutional lender. If Borrower pays Funds to Lender,the Funds shall be held in an institution the deposits or accounts of which are insured or guaranteed by a federal or state agency(including Lender if Lender is such an institution). Lender shall apply the Funds to pay said taxes, assessments, insurance premiums and ground rents. Lender may not charge for so holding and applying the Funds, analyzing said account or verifying and compiling said assessments and bills, unless Lender pays Borrower interest on the Funds and applicable law permits Lender to make such a charge. Borrower and Lender may agree in writing at the time of execution of this Mortgage that interest on the Funds shall be paid to Borrower, and unless such agreement is made or applicable law requires such interest to be paid, Lender shall not be required to pay Borrower any interest or earnings on the Funds. Lender shall give to Borrower, without charge, an annual accounting of the Funds showing credits and debits to the Funds and the purpose for which each debit to the Funds was made. The Funds are pledged as additional security for the sums secured by this Mortgage. If the amount of the Funds held by Lender,together with the future monthly installments of Funds payable prior to the due dates of taxes, assessments, insurance premiums and ground rents, shall exceed the amount required to pay said taxes, assessments, insurance premiums and ground rents as they fall due, such excess shall be,at Borrower's option,either promptly repaid to Borrower or credited to Borrower on monthly installments of Funds. If the amount of the Funds held by Lender shall not be sufficient to pay taxes,assessments,insurance premiums and ground rents as they fall due,Borrower shall pay to Lender any amount necessary to make up the deficiency in one or more payments as Lender may require. Upon payment in full of all sums secured by this Mortgage,Lender shall promptly refund to Borrower any Funds held by Lender. If under paragraph 17 hereof the Aroperty is sold or the Property is otherwise acquired by Lender, Lender shall apply, no later than immediately prior to the sale of the Property or its acquisition by Lender,any Funds held by Lender at the time of application as a credit against the sums secured by this Mortgage. 3.Application of Payments.Unless applicable law provides otherwise,all payments received by Lender under the Note and paragraphs I and 2 hereof shall be applied by Lender first in payment of amounts payable to Lender by Borrower under paragraph 2 hereof,then to interest payable on the Note,and then to the principal of the Note. 4. Prior Mortgages and Deeds of Trust; Charges; Liens. Borrower shall perform all of Borrower's obligations under any mortgage,deed of trust or other security agreement with a lien which has priority over this Mortgage,including Borrower's covenants to make payments when due. Borrower shall pay or cause to be paid all taxes,assessments and other charges, fines and impositions attributable to the Property which may attain a priority over this Mortgage,and leasehold payments or ground rents,if any. 5. Hazard Insurance, Borrower shall keep the improvements now existing or hereafter erected on the Property insured against loss by fire,hazards included within the term"extended coverage,"and such other hazards as Lender may require and in such amounts and for such periods as Lender may require. The insurance carrier providing the insurance shall be chosen by Borrower subject to approval by Lender; provided,that such approval shall not be unreasonably withheld. All insurance policies and renewals thereof shall be in a form acceptable to Lender and shall include a standard mortgage clause in favor of and in a form acceptable to Lender. Lender shall have the right to hold the policies and renewals thereof,subject to the terms of any mortgage,deed of trust or other security agreement with a lien which has priority over this Mortgage. In the event of loss,Borrower shall give prompt notice to the insurance carrier and Lender. Lender may make proof of loss if not made promptly by Borrower. If the Property is abandoned by Borrower,or if Borrower fails to respond to Lender within 30 days from the date notice is mailed by Lender to Borrower that the insurance carrier offers to settle a claim for insurance benefits, Lender is authorized to collect and apply the insurance proceeds at Lender's option either to restoration or repair of the Property or to the sums secured by this Mortgage. 8014095692 —,?414095692 A 40-76(FL) 05�0, P&Q,2't 5 Form 3810 OR BK 14086 PAGE 1656 6. Preservation and Maintenance of Property; Leaseholds; Condominiums; Planned Unit Developments. Borrower shall keep the Property in good repair and shall not cornmit waste or permit impairment or deterioration of the Property and shall comply with the provisions of any lease if this Mortgage is on a leasehold. If this Mortgage is on a unit in a condominium or a planned unit development,Borrower shall perform all of Borrower's obligations under the declaration or covenants creating or governing the condominium or planned unit development,the by-laws and regulations of the condominium or planned unit development,and constituent documents. 7. Protection of Lender's Security. If Borrower fails to perform the covenants and agreements contained in this Mortgage,or if any action or proceeding is commenced which materially affects Lender's interest in the Property,then Lender, at Lender's option,upon notice to Borrower,may make such appearances,disburse such sums,including reasonable attorneys' fees, and take such action as is necessary to protect Lender's interest. If Lender required mortgage insurance as a condition of making the loan secured by this Mortgage,Borrower shall pay the premiums required to maintain such insurance in effect until such time as the requirement for such insurance terminates in accordance with Borrower's and Lender's written agreement or applicable law. Any amounts disbursed by Lender pursuant to this paragraph 7, with interest thereon, at the Note rate, shall become additional indebtedness of Borrower secured by this Mortgage. Unless Borrower and Lender agree to other terms of payment, such amounts shall be payable upon notice from Lender to Borrower requesting payment thereof. Nothing contained in this paragraph 7 shall require Lender to incur any expense or take any action hereunder. 8. Inspection. Lender may make or cause to be made reasonable entries upon and inspections of the Property, provided that Lender shall give Borrower notice prior to any such inspection specifying reasonable cause therefor related to Lender's interest in the Property. 9. Condemnation. The proceeds of any award or claim for damages, direct or consequential, in connection with any condemnation or other taking of the Property,or part thereof, or for conveyance in lieu of condemnation,are hereby assigned and shall be paid to Lender, subject to the terms of any mortgage,deed of trust or other security agreement with a lien which has priority over this Mortgage. 10.Borrower Not Released;Forbearance By Lender Not a Waiver.Extension of the time for payment or modification of amortization of the sums secured by this Mortgage granted by Lender to any successor in interest of Borrower shall not operate to release, in any manner,the liability of the original Borrower and Borrower's successors in interest. Lender shall not be required to commence proceedings against such successor or refuse to extend time for payment or otherwise modify amortization of the sums secured by this Mortgage by reason of any demand made by the original Borrower and Borrower's successors in interest. Any forbearance by Lender in exercising any right or remedy hereunder, or otherwise afforded by applicable law,shall not be a waiver of or preclude the exercise of any such right or remedy. 11. Successors and Assigns Bound; Joint and Several Liability; Co-signers. The covenants and agreements herein contained shall bind, and the rights hereunder shall inure to, the respective successors and assigns of Lender and Borrower, subject to the provisions of paragraph 16 hereof. All covenants and agreements of Borrower shall be joint and several, Any Borrower who co-signs this Mortgage,but does not execute the Note, (a)is co-signing this Mortgage only to mortgage,grant and convey that Borrower's interest in the Property to Lender under the terms of this Mortgage, (b)is not personally liable on the Note or under this Mortgage, and(c)agrees that Lender and any other Borrower hereunder may agree to extend,modify, forbear, or make any other accommodations with regard to the terms of this Mortgage or the Note without that Borrower's consent and without releasing that Borrower or modifying this Mortgage as to that Borrower's interest in the Property. 12.Notice.Except for any notice required under applicable law to be given in another manner, (a)any notice to Borrower provided for in this Mortgage shall be given by delivering it or by mailing such notice by certified mail addressed to Borrower at the Property Address or at such other address as Borrower may designate by notice to Lender as provided herein,and(b)any notice to Lender shall be given by certified mail to Lender's address stated herein or to such other address as Lender may designate by notice to Borrower as provided herein. Any notice provided for in this Mortgage shall be deemed to have been given to Borrower or Lender when given in the manner designated herein. 13. Governing Law; Severability. The state and local laws applicable to this Mortgage shall be the laws of the jurisdiction in which the Property is located. The foregoing sentence shall not limit the applicability of federal law to this Mortgage. In the event that any provision or clause of this Mortgage or the Note conflicts with applicable law, such conflict shall not affect other provisions of this Mortgage or the Note which can be given effect without the conflicting provision,and to this end the provisions of this Mortgage and the Note are declared to be severable. As used herein, "costs," "expenses" and attorneys'fees"include all sums to the extent not prohibited by applicable law or limited herein. 14. Borrower's Copy. Borrower shall be furnished a conformed copy of the Note and of this Mortgage at the time of execution or after recordation hereof. 15. Rehabilitation Loan Agreement. Borrower shall fulfill all of Borrower's obligations under any home rehabilitation, improvement,repair,or other loan agreemqnt which Borrower enters into with Lender.Lender,at Lender's option,may require Borrower to execute and deliver to Lender, in a form acceptable to Lender, an assignment of any rights, claims or defenses which Borrower may have against parties who supply labor,materials or services in connection with improvements made to the Property. 8014095692 4095692 40--76(FL) P.g.3 0 5 �IZ7 _8"Fo3810 '3 OR BK 14086 PAGE 1657 16.Transfer of the Property or a Beneficial Interest in Borrower.If all or any part of the Property or any interest in it is sold or transferred(or if a beneficial interest in Borrower:s sold or transferred and Borrower is not a natural person)without Lender's prior written consent, Lender may, at its option, require immediate payment in full of all sums secured by this Mortgage. However,this option shall not be exercised by Lender if execise is prohibited by federal law as of the date of this Mortgage. If Lender exercises this option,Lender shall give Borrower notice of acceleration.The notice shall provide a period of not less than 30 days from the date the notice is delivered or mailed within which Borrower must pay all sums secured by this Mortgage.If Borrower fails to pay these sums prior to the expiration of this period, Under may invoke any remedies permitted by this Mortgage without further notice or demand on Borrower. NON-UNIFORM COVENANTS.Borrower and Lender further covenant and agree as follows: 17.Acceleration;Remedies.Except as provided in paragraph 16 hereof,upon Borrower's breach of any covenant or agreement of Borrower in this Mortgage,including the covenants to pay when due any sums secured by this Mortgage, Lender prior to acceleration shall give notice to Borrower as provided in paragraph 12 hereof specifying: (1)the breach; (2) the action required to cure such breach; (3) a date, not less than 10 days from the date the notice is mailed to Borrower,by which such breach must be cured;and(4)that failure to cure such breach on or before the date specified in the notice may result in acceleration of the sums secured by this Mortgage,foreclosure by judicial proceeding,and sale of the Property.The notice shall further inform Borrower of the right to reinstate after acceleration and the right to asserl in the foreclosure proceeding the nonexistence of a default or any other defense of Borrower to acceleration and foreclosure. If the breach is not cured on or before the date specified in the notice, Lender, at Lender's option, may declare all of the sums secured by this Mortgage to be immediately due and payable without further demand and may foreclose this Mortgage by judicial proceeding. Lender shall be entitled to collect in such proceeding all expenses of foreclosure, including, but not limited to, reasonable attorneys' fees, court costs, and costs of documentary evidence, abstracts and title reports. 18. Borrower's Right to Reinstate. Notwithstanding Lender's acceleration of the sums secured by this Mortgage due to Borrower's breach. Borrower shall have the right to have any proceedings begun by Lender to enforce this Mortgage discontinued at any time prior to entry of a judgment enforcing this Mortgage if: (a) Borrower pays Lender all sums which would be then due under this Mortgage and the Note had no acceleration occurred;(b)Borrower cures all breaches of any other covenants or agreements of Borrower contained in this Mortgage;(c)Borrower pays all reasonable expenses incurred by Lender in enforcing the covenants and agreements of Borrower contained in this Mortgage, and in enforcing Lender's remedies as provided in paragraph 17 hereof, including, but not limited to, reasonable attorneys' fees and court costs; and (d) Borrower takes such action as Lender may reasonably require to assure that the lien of this Mortgage, Lender's interest in the Property and Borrower's obligation to pay the sums secured by this Mortgage shall continue unimpaired.Upon such payment and cure by Borrower, this Mortgage and the obligations secured hereby shall remain in full force and effect as if no acceleration had occurred. 19. Assignment of Rents; Appointment of Receiver. As additional security hereunder, Borrower hereby assigns to Lender the rents of the Property,provided that Borrower shall,prior to acceleration under paragraph 17 hereof or abandonment of the Property,have the right to collect and retain such rents as they become due and payable, Upon acceleration under paragraph 17 hereof or abandonment of the Property, Lender shall be entitled to have a receiver appointed by a court to enter upon,take possession of and manage the Property and to collect the rents of the Property including those past due. All rents collected by the receiver shall be applied first to payment of the costs of management of the Property and collection of rents, including,but not limited to, receiver's fees,premiums on receiver's bonds and reasonable attorneys' fees, and then to the sums secured by this Mortgage. The receiver shall be liable to account only for those rents actually received. 20. Release. Upon payment of all sums secured by this Mortgage, Lender shall release this Mortgage without charge to Borrower,Borrower shall pay all costs of recordation,if any. 21. Attorneys' Fees. As used in this Mortgage and in the Note, "attorneys' fees" shall include attorneys' fees, if any, which may be awarded by an appellate court. REQUEST FOR NOTICE OF DEFAULT AND FORECLOSURE UNDER SUPERIOR MORTGAGES OR DEEDS OF TRUST Borrower and Lender request the holder of any mortgage, deed of trust or other encumbrance with a lien which has priority over this Mortgage to give Notice to Lender,at Lender's address set forth on page one of this Mortgage,of any default under the superior encumbrance and of any sale or other foreclosure action, 8014095692 ,,7014095692 -76(FL)�05,oi P�,4 f 5 Form 3810 QP OR BK 14086 PAGE 1658 IN WITNESS WHEREOF,Borrower has executed this Mortgage. NOTICE TO BORROWER Do not sign this Mortgage if it contains blank spaces.All spaces should be completed before you sign. Signed,sealed and delivered in the presence of: (Seal) (Witness) -'-ROBERT"36LHOft -Borrower 1102 HIBISCUS STREET, ATLANTIC BEACH, FL 32233 (Address) (Seal) (Witness) -Borrower (Address) (Seal) (Seal) -Borrower -Borrower (Address) (Address) (Seal) (Seal) -Borrower -Borrower (Address) (Address) (Seal) (Seal) -Borrower -Borrower (Address) (Address) (Sign Original Only) STATE OF FLORIDA, County as; The foregoing instrument was acknowledged before me this November 02, 2006 by ROBERT SHALHOUB h who is personally known to me or who has It ced >?_A1Zaa-4_y as identification. JUNE BMSD t '.Notary Pub4c-State of FkXM tv Commas—bqpmAp 1 3.20M Notary Public 4nCommis"on DD31W67 8014095692 8014095692 CI-76(FL)(o5io) Pg.50 5 Form 3810 S OR BK 14086 PAGE 1659 ExWbij A(Legal Desaindoal ALL THAT PARCEL OF LAND IN CITY OF ATLANTIC BEACH,DUVAL COUNTY,STATE OF FLORIDA, AS MORE FULLY DESCRIBED IN DEED BOOK 7539,PAGE 1269,ID#171012-0050,BEING KNOWN AND DESIGNATED AS SOUTH 47.5 FEET OF LOT 6,BLOCK I%,SECTION'R"ATLANTIC BEACH,AS RECORDED IN PLAT BOOK 19,PAGE 34,OF THE CURRENT PUBLIC RECORDS OF DUVAL COUNTY,FLORIDA. BY FEE SIMPLE DEED FROM ROBERT SHALHOUB AND MARIA SHALHOUB,HIS WIFE AS SET FORTH IN DEED BOOK 7539,PAGE 1269 DATED 03/09/1993 AND RECORDED 03/19/1993,DUVAL COUNTY RECORDS,STATE OF FLORIDA. AND BEING MARIA SHALHOM DECEASED 5/30/1997. LOAN#8014095692 P.g. 'Z' Doc # 2013078055, OR BK 16307 Page 1427, Number Pages: 3, Recorded 03/28/2013 11:51 AM, Ronnie Fussell CLERK CIRCUIT COURT DUVAL COUNTY RECORDING $0. 00 IN THE CIRCUIT COURT IN AND FOR DUVAL COUNTY,FLORIDA CASE NO: 16-2012-CA-004773-FC-G NAVY FEDERAL CREDIT UNION VS. Plaintiff, FILED THE UNKNOWN HEIRS,DEVISEES,GRANTEES, MAR 2 8 2013 ASSIGNEES,LIENORS,CREDITORS,TRUSTEES AND OTHER UKNOWN PERSONS OR UNKNOWN C COURr SPOUSES CLAIMING BY,THROUGH,UNDER OR CLZR"CIR AGAINST ROBERT SHALHOUB;NAVY FEDERAL CREDIT UNION;GEORGE SHALHOUB; STELLA S. JONES;CLERK OF THE CIRCUIT COURT IN AND FOR DUVAL COUNTY,A POLITICAL SUBDIVISION OF THE STATE OF FLORIDA;UNKNOWN SPOUSE OF GEORGE SHALHOUB;UNKNOWN SPOUSE OF STELLA S. JONES,and any unknown heirs,devisees, grantees,creditors,and other unknown persons or unknown spouses claiming by,through and under any of the above- named Defendants, Defendants, AMENDED LIS PENDENS NOTICE IS GIVEN that suit was instituted in the Circuit Court,In and For Duval County,Florida, on or about April 27, 2012 by the above-named Plaintiff against the above-named Defendants. Notice is further given that this Amended Lis Pendens is being recorded to add additional Defendants,THE UNKNOWN HEIRS,DEVISEES,GRANTEES,ASSIGNEES,LIENORS, CREDITORS,TRUSTEES AND OTHER UKNOWN PERSONS OR UNKNOWN SPOUSES CLAIMING BY,THROUGH,UNDER OR AGAINST ROBERT SHALHOUB; GEORGE SHALHOUB; STELLA S.JONES; CLERK OF THE CIRCUIT COURT IN AND FOR DUVAL COUNTY,A POLITICAL SUBDIVISION OF THE STATE OF FLORIDA; UNKNOWN SPOUSE OF GEORGE SHALHOUB; UNKNOWN SPOUSE OF STELLA S.JONES. The Plaintiff also amends complaint to dismiss the above—styled cause against Defendants,ROBERT SHALHOUB; UNKNOWN SPOUSE OF ROBERT SHALHOUB; UNKNOWN TENANT 1; UNKNOWN TENANT 11,without prejudice. NAVY FEDERAL CREDIT UNION vs.ROBERT SHALHOUB,ET AL, 032-FL-VI B&H#314214 OR BK 16307 PAGE 1428 The property involved is that certain lot,parcel or piece of land lying,situate and being in the County of Duval, State of Florida,more particularly described as follows: SOUTH 47.5 FEET OF LOT 6,BLOCK 196,SECTION IIHI- ATLANTIC BEACH,AS RECORDED IN PLAT BOOK 18, PAGE 34,OF THE CURRENT PUBLIC RECORDS OF DUVAL COUNTY,FLORIDA. The relief sought in and for this suit is a foreclosure of Mortgage encumbering the subject property described above and decreeing over the sale of the property under the direction of the Court in default of payment of the amounts found to be due and owing to the Plaintiff under the Mortgage,and for other and general relief set forth in the Complaint. DATED: 20_L3 D iel .Nathan BUTLER& HOSCH,P.A. 3185 South Conway Road, Suite E Orlando,Florida 32812-7315 (407) 381-5200(Phone) (407) 381-5577 (Facsimile) Florida Bar Number: 100329 Attorney for Plaintiff Service Emails: Jn]00329@butterandhosch.com FLPleadings@butlerandhosch.com NAVY FEDERAL CREDIT UNION vs.ROBERT SHALHOUB,ET AL., 032-FL-Vt B&H#314214 OR BK 16307 PAGE 1429 Case No.: 16-2012-CA-004773-FC-G CERTIFICATE OF SERVICE I HEREBY CERTIFY that a true and exact copy of the oregoing was fumished by U.S. Mail and email,as required,this (It day of C-rT' 2013 to: Navy Federal Credit Union c/o:Navy 820 Follin Lane Vienna,VA 22180 Sidney E. Lewis,Esq. Sidney E. Lewis,P. A. 300 West Adams St. Suite 300 Jacksonville,FL 32202 Attorney for Defendant Robert Shalhoub siewis@sidneyelewis.com Daniel S.Nathan,Esquire BUTLER&HOSCH,P.A. 3185 South Conway Road,Suite E Orlando,Florida 32812 Telephone: (407)381-5200 Fax: (407)381-5577 Florida Bar No: 100329 Service Emails: AnIO0329@butlerandhosch.com FLPleadings@butlerandhosch.com B&H 4 314214 White, Debbie From: White, Debbie Sent: Thursday, March 07, 2013 10:01 AM To: PROPERTY PRESERVATION (CODE.VIOLATIONS@SAFEGUARDPROPERTIES.COM)-, 'Elyse Moore' Subject: Code Violation -Abandoned Property (owner deceased)l 102 Hibiscus Street, Robert Shalhoub Attachments: 1102 Hibiscus St(dil fence. outs stg, acc str).docx See the atta0ed notice . This property remains in violation and is being vandalized (shed in rear yard, fence, etc. Please advise... . Debbie White Code Enforcement Officer City of Atlantic Beach (904) 247-5855 (904) 247-5845 FAX 41 A Compliance Investigation Form Investigation —Date of Request:_Z`/2-40//3 Time of Request: Name of Person Mjking Request: Address: Phone# Investigation Type Location (Address) of Violation: Property Owner: VIOLATIONS: Action Taken: Legal Description: RE#: Compliance: FACode Enforcement\Compliance Investigation Fonn.doc Oct 9 2009 OR BK 15935 PAGE 449 relief sought in and for this suit is a foreclosure of Mortgage encumbering the subject- property described above and decreeing over the sale of the property under the direction of the Court in defatilt of payment of the amounts found to be due and owing to the Plaintiff under the Mortgage,and for other and general relief set forth in the Complaint. DATED:April-24r,2012 M k William Hernandez,Esquire BUTLER&HOSCH,P.A. 3185 South Conway Road, Suite E Orlando, Florida 32812-7315 (407) 381-5200 (Phone) (407) 381-5577 (Facsimile) Florida Bar Number: 006905 1/bq'7-T?-- Attorney for Plaintiff NAVY FEDERAL CREDIT UNION vs.ROBERT SHALHOUB.F'I A L. B&II 0 314214 Property Appraiser- Property Details Page I of 2 SHALHOUB ROBERT Primary Site Address Official Record Book/Page rile* 1102 HIBISCUS ST 1102 HIBISCUS ST 07539-01269 9417 ATLANTIC BEACH, FL 32233-2657 Atlantic Beach FL 32233 SHALHOUB MARIA 1102 HIBISCUS ST Property Detail Value Summary ............ 'RE# 171012-0050 rMed 12QL11n-Pjvgmw_ .....................--1----------.......... Tax District -USD3 ................... ....... Value Method �CAMA CAMA Total Building Value $54,946.00 $54,446.00 Propeft Use 0100 SINGLE FAMILY .......................... Extra Feature Value $1,193.00 $1,134.00 #of Buildings ...... ..........- ------................................ Land Value(Market) $35,489.00 $35,489.00 Legal Desc 18-34 38-2S-29E.169 ATLANTIC BEACH SEC H Land Value(Agrjcj $0.00 $0.00 bdivislon 03119 ATLANTIC BEACH SEC H Just(market)Value $91,628.00 $91,069wOO TotalArea 17604 Assessed Value $91,bZb.UU $91,069.00 Cap Diff/,,,Portability Amt $0.00�$0.00 $0.00/$0.00 The sale of this property may result in higher property taxes.For more information go to L� ,- 11 I'll — Save Our Homps and our Prope[4 Tax Estimator.Property values,exemptions and other Exemption $0.00 See below information listed as'In Progress'are subject to change.These numbers are part of the 2013 Taxable Value $91,628.00 See below working tax roll and will not be certified until October.Learn how the Property Appraiser Office values oropertV. Taxable Values and Exemptions—In Progress If there are no exemptions applicable to a taxing authority,the Taxable Value is the same as the Assessed Value listed above in the Value Summary box. County/Municipal Taxable Value SJRWMD/FIND Taxable Value School Taxable Value No applicable exemptions No applicable exemptions No applicable exemptions Sales History 7 .............. ............- .......... Book/Page Sale Date Sale Price Deed Instrument Type Cod Qualified/Unqualified Vacant/Improved 07539-01269 3/9/1993 $100.00 WD-Warranty Deed Unqualified Improved 07280-02124 1/16/1992 $100.00 1 WD-Warranty Deed Unqualified Vacant 06972-02014 9/24/1990 $13,000.00 WD-Warranty Deed Unqualified Improved 06966-01422 9/4/1990 $1,000.00 CT-Certificate of Title Unqualified Vacant 07312-01742 4/10/1990 $64,300.00 WD-Warranty Deed Qualified Improved 06828-01081 1/22/1990 $6,909.00 MS-Miscellaneous Unqualified Vacant 06690-00780 4/15/1989 $100.00 QC-Quit Claim Unqualified Vacant 06386-00600 8/11/1987 $13,000.00 WD-Warranty Deed Unqualified Vacant 00000-00000 9/10/1984 $0.00 MS-Miscellaneous Unqualified Vacant Extra Features LN Feature Code Feature Description Bldg. !Length Width Total Units value 1 FPPR7 $1,134.00 Fireplace Prefab 1 0 0 1.00 Land&Legal Land ,Lega-1 LN Code Use Description Zoning Front, Depth Category Land Units Land Typ Land Value LN'Legal Description 1 0101 i RES MD 8-19 UNITS PER AC ARG-IA 72w5O 102.00 Common 72.50 Front Footage $35,489.00 1 18-34 38-2S-29E.169 2 ATLANTIC BEACH SEC H 3 S 47.5FT LOT 6,NI/2 STREET LYING S THEREOF CL BY U/R BCH ORD#65- 4 84-10 5 BLK 196 Buildings Building 1 Building 1 Site Address Element Code Detail 1102 HIBISCUS ST Atlantic Beach FL 32233 Exterior Wall 16 16 Tile/Frame Stucco Roofing Structure 3 3 Gable or Hip Building Type 0105-TOWNHOUSE SOH Roofing Cover 3 3 Asph/Comp Shingle Year Built 1992 Interior Wall 5 5 Drywall Building Value $54,446.00 Int Flooring 14 14 Carpet IlCeram Int Flooring 11 ic Clay Tile Heating Fuel 4 4 Electric http://apps.coj.net/pao_propertySearch/]3asic/Detail.aspx?RE=1710120050 1/10/2013 White, Debbie To: Elyse Moore Subject: 1102 Hibiscus St(dil fence. outs stg, acc str)#2 Attachments: 1102 Hibiscus St(dil fence. outs stg, acc str)#2.docx Happy New Yea See attached notice of violation. What is the status of getting this ollapsing wood fence removed and the junk removed from the back yard? Pi*e**ase let me know. . Thanks, Debbie 7,—b White, Debbie From: White, Debbie Sent: Friday, December 07, 2012 217 PM To: fs.resolutioncenter@bankofamerica.com, r.omplianceconnections@safeguardproperties.com Cc: White, Debbie Subject: 1102 Hibiscus St(dil fence. outs stg, acc str)#" Attachments: 1102 Hibiscus St (dil fence. outs stg, acc str)#2.docx See attached notice of violation. These items have not been cqi�,rected, the fence/gates are broken and falling creating a hazard this property is next to a public sidewalk on the side where the fence is falling. Please advise. Thanks, Debbie White I—V C Postage $ us rLi Certified Fee M Retum Receipt Fee Q (Endorsement Required) Postmark Restricted Delivery Fee Here r-3 (EndOrsement Required) M 0 Total Postage&Fee, ru on,T,, r ,_q ----- -va-:--------------- C3 t,eet,;4a ----------- or PO Box No* ----------'i...... ------------------------------ ------------------ MI