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295 Belvedere Street TREE17-0007 p:/-- , �� r " CITY OF ATLANTIC BEACH 5. 1.' r 800 SEMINOLE ROAD ATLANTIC BEACH, FL 32233 ''�ri.ri r%' INSPECTION PHONE LINE 247-5814 TREE REMOVAL - RESIDENTIAL TREE REMOVAL MUST CALL BY 4PM FOR NEXT DAY INSPECTION: 247-5814 PERMIT INFORMATION: PERMIT NO: TREE17-0007 Description: Estimated Value: 0 Issue Date: 6/12/2017 Expiration Date: 12/9/2017 PROPERTY ADDRESS: Address: 295 BELVEDERE ST RE Number: 170501 0000 PROPERTY OWNER: Name: HEZEL STEPHANIE A Address: 295 BELVEDERE ST ATLANTIC BEACH, FL 32233 GENERAL CONTRACTOR INFORMATION: Name: Address: Phone: Name: Address: Phone: PERMIT INFORMATION: Please see attached conditions of approval. WARNING TO OWNER: YOUR FAILURE TO RECORD A NOTICE OF COMMENCEMENT MAY RESULT IN YOU PAYING TWICE FOR IMPROVEMENTS TO YOUR PROPERTY. A NOTICE OF COMMENCEMENT MUST BE RECORDED AND POSTED ON THE JOB SITE BEFORE THE FIRST INSPECTION. IF YOU INTEND TO OBTAIN FINANCING, CONSULT WITH YOUR LENDER OR AN ATTORNEY BEFORE RECORDING YOUR NOTICE OF COMMENCEMENT. * A notice of Commencement is only required for work exceeding an estimated value of $2,500. For HVAC work, a Notice of Commencement is only required when HVAC work exceeds and estimated value of$7,500. „-, s TREE REMOVAL CALCULATIONS .04 \��\ City of Atlantic Beach j �� Community Development Department 800 Seminole Road Atlantic Beach, Florida 32233-5445 \s.:':!,(35,---;19<- Phone: (904) 247-5826 Fax: (904) 247-5845 Email: Building-Dept@coab.us Permit: Treel7-0007 Applicant: Stephanie Hezel Address: 295 Belvedere St,Atlantic Beach Site Address: 295 Belvedere Street Phone: (904)553-2183 RE#: 170501-0000 Email: Stephanie.hezel@gmail.com TREE REMOVAL CALCULATIONS FILE COPY REMOVED Legacy(non-oak) Legacy(oak) Oaks Palms Others Total f,i Protected Trees Removed: 0 0 0 0 77 77 Mitigation Needed: 0 0 0 0 38.5 38.5 Trees Removed: 2-22",33"Sweetgum i i MITIGATION Legacy(non-oak) Legacy(oak) Oaks Palms Others Total Credit for Trees Preserved: 0 0 0 0 0 0 Credit for Trees Relocated: 0 0 0 0 0 0 Credit for Trees Planted: 0 0 0 20 0 19.25* Total: 0 0 0 20 0 19.25* Trees Preserved: None for credit. Trees Relocated: None for credit. s Trees Planted: 2-10”Palms *Planted Legacy Tree species receive DOUBLE credit when replacing non-Legacy Trees.The Legacy Tree list includes Bald • Cypress; Southern and Eastern Red Cedars; Winged and Florida Elms; Live and Sand Live Oaks; Hickory; Pecan; Pignut Hickory; Loblolly Bay; Southern and Sweetbay Magnolias;Red and Florida Maples;and Tupelo. ADDITIONAL MITIGATION REQUIRED (Mitigation Needed--Total) Legacy(non-oak) Legacy(oak) Oaks Palms Others Total New Trees Planted: 0 0 0 0 19.25 19.25 1 or Payment Into Tree Fund**: $0.00 $0.00 $0.00 $0.00 $2,233.00 $2,233.00 or A Combination of the Above** **At least 50%of mitigation must be onsite. Additional Notes: Mitigation is 1 inch preserved or planted for every 2 inches removed. Tree Fund rate is$116.00 per inch. Also 1 9.5" 7" preserving 7"Cherry Laurel;47.4"Maple, Crepe Myrtle; 13"Sabal Palm; Ligustrum;20"Pine;22" Sago Palm; 15",28",30" Sweetgum. *Mitigation credit for planted palms counts towards 50% of mitigation needed for others. Payed remaining $2,233 [. mitigation to tree fund. Receipt number R1741. • 1 Status is in accordance with the City of Atlantic Beach code of ordinances in effect at the time of application submittal. t I APPROVED J' 1. DENIED IllTPO ADMINISTRATOR DATE 0J ro_. .1,'jJ,\ Cash Register Receipt Receipt Number City of Atlantic Beach R1741 DESCRIPTION I ACCOUNT QTY PAID PermitTRAK $2,233.00 TREE17-0007 Address: 295 BELVEDERE ST APN: 170501 0000 $2,233.00 TREE MITIGATION $2,233.00 TREE MITIGATION 11200003660000 0 $2,233.00 TOTAL FEES PAID BY RECEIPT: R1741 $2,233.00 0 I 0 Date Paid: Friday, June 09, 2017 Paid By: HEZEL STEPHANIE A Cashier: BA Pay Method: CHECK 2245 Printed: Friday,June 09, 2017 2:51 PM 1 of 1 1 Twuc)T TREE & VEGETATION REMOVAL PERMIT APPLICATION NSTRUCTIONS mw, City of Atlantic Beach Department of Community Development (1) Complete and sign this form 800 Seminole Road Atlantic Beach,FL 32233 (2) Attach the required supporting exhibits as listed on the application ,5ff (p)904 247-5800 (F)904 247-5845 checklist. (3) Contact the Department of Community Development if you have r Single-/Two-Family Residential $125.00 questions or need assistance completing the application or determining which exhibits are required for your particular project. r Multi-Family Residential $250.00 (4) Submit this form, along with all required exhibits and payment to r Commercial/Industrial $250.00 the City of Atlantic Beach,and in the appropriate amount according to the application fees listed to the right, to the reception desk at E Institutional/Other Non-residential $250.00 the Building Department. Application#TREE (} - 0 001" SECTION I-SITE INFORMATION PHYSICAL ADDRESS 295 Belvedere St Atlantic Beach,FL 32233 !fan address has not been assigned to this property,contact the AB Building Department at (904)247-5826 to request an address. SUBDIVISION Saltair Sec 01 BLOCK LOT 454 RE# 170501-0000 SECTION II-APPLICANT INFORMATION 17 OWNER r LEGAL AUTHORIZED AGENT* NAME OF APPLICANT Stephanie Hezel ADDRESS OF APPLICANT 295 Belvedere St Atlantic Beach,FL 32233 PHONE CELL (904)553-2183 EMAIL stephanie.hezel@gmail.com SECTION III-TREE&VEGETATION REMOVAL REQUEST I REQUEST THAT THE TREES&VEGETATION ON THE ABOVE DESCRIBED PROPS i fi V ED REQUIRED EXHIBITS BE APPROVED FOR REMOVAL,AS PROVIDED IN THE CITY OF ATLANTIC BEACH VEGETATION CODE,CHAPTER 23, FOR THE FOLLOWING REASONS(check all that apply): ��pp�� ✓ Vegetation(trees)are difficult to maintain/owner dislikes. MAY 2 2 2017 • ✓ Trees are dead,diseased or so weakened by age,storm,fire,or other injury so as to pose a danger to persons,property, improvements or other trees. Q ,t ✓ Vegetation(trees) pose a safety hazard to pedestrian or vehicular traffic!olY�!! +p!( 1 I services. r Vegetation(trees)pose a safety hazard to buildings or structures. "Ity of Atlantic ✓ Vegetation(trees)completely prevent access or cross access to a lot or parcel. Vegetation and/or trees prevent development or physical use. It is the intent of this provision that a permit shall be granted for 17 the removal of vegetation and/or trees when the applicant has demonstrated an effort to design or locate the proposed improvements so as to minimize the removal of vegetation and/or trees. I HEREBY CERTIFY THAT ALL INFORMATION PROVIDED WITHIN THIS APPLICATION IS CORRECT AND I AGREE TO COMPLY WITH ALL PROVISIONS OF CHAPTER 23,PROTECTION OF TREES AND NATURAL VEGETATION,AND ALL OTHER APPLICABLE CODES AND ORDINANCES OF THE CITY OF ATLANTIC BEACH. May 19,2017 SIGNATURE OF APPLICAI DATE FOR INTERNAL OFFICE USE ONLY FRONTAGE FLU NAR ESA SR-1 i DEPTH ZONING [IBEX H/H SR-2 AREA ISA WA1V 0,48 CR 7'rcc€-Vegetation Removal Permit Application_vrrs,nr,or.oI.o9 ` ' EXHIBIT B. TREE &VEGETATION INVENTORY Application#TREE - For the removal of 25 trees or less associated with major development, redevelopment or renovation of or addition to single- family or two-family structures,or the removal of 25 trees or less associated with the renovation of or addition to all other non- residential uses,use the grid below to create a Tree&Vegetation Inventory. Note the scale on the bottom of the page. Plot the boundaries of the subject property,as well as existing and proposed structure(s). Label all adjacent streets. Note the location of trees to be removed with an"X". Note the location of trees to be preserved with"[ 1". Note the proposed location of replacement (mitigation) trees with "O". Number all trees, whether to be removed, preserved or replaced, and list on EXHIBIT C. Tree & Vegetation Mitigation Worksheet. V ' -SEA _SPR AY AVE jz� 4 CM 1 46- L (4f.tk it LI) 11) 0.0 1.1W 1tJA1 ICL."--- . 51 DE-CK 0 ral CSI igil , F j i a > "'O ,� 1144.1 win. le?' . 11:1 �r,) gag,JO A. i POLE 1 PREPARED BY: Ste N Ari e_ 4e2el SCALE: 1 SQUARE= /O-C4 EXHIBIT B_Tree&Vegetation Inventory_version 01.01.09 EXHIBIT C. TREE VEGETATION MITIGATION WORKSHEET Application #TREE_- 2.242 5wo-1-- U,nM Uoo.D 2 -ZP CN Ey boob 3 /7.10 MAQL6 (,oob ?< 4 9.68 C Z'S \-1 ,1kTLE G oop 5 13,06 5 a�1L 6 708 I,IyVS "1 C\03> )C 77.08 NA'1ivEcD X 8 20,6 e, kic G`obb 9 2(a.0d C(!}-1P )4f, VSD X. _ 10 9,08 QA1- c' Lobb 11 2k,"bZ Sw( T6P-1 (,oma X 12 30,0d SwCa 6ur1 lj` Db 13 ts.od (-)c,z X t'1 Z213 56c—to ?€h Goo> 15 ZZ,DG SWtc- -S 60.1 16 33,04%, Swan- huh 63oN X 17 3 -3Al I IM€ New` SCbc:\ 18 32),A I �Ya 1�4 41191.0 /00J 1_9 303Al fe-MoX.! `c 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 -- 40 — 41 42 43 44 45 46 47 48 49 50 1 of 2 EXHIBIT C_Tree&Vegetation Mitigation Worksheet_versionoi.oi.og , . 1 . 9 . . ..... .... ....., ,..- l.t,r r'. , . or' . St '-' ."..4, . ,‘, .4,.. . ', .,,,, i'`,) k . • it 4 4,„ . u . • ..., . ., q 4 .. -'a 1 . O * .r: 7 1... t . -.4- . . .. 4 • 14111- ' ' --. , '1111 4110 ia t - a • ... ..,, if ,. ,. • .. .4 ; . ..,. ...,, 4 4 , ..otw: ittill, . '..`. • "4 hf, A er . 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Property Appraiser- Property Details Page 1 of 2 HEZEL STEPHANIE A 4_ Primary Site Address Official Record Book/Page Tile#, 295 BELVEDERE ST 295 BELVEDERE ST 16661-00703 9416 ATLANTIC BEACH, FL 32233 Atlantic Beach FL 32233 295 BELVEDERE ST Property Detail Value Summary RE# 170501-0000 2016 CertNled 2417 In_Proaress Tax District USD3 Value Method CAMA CAMA Prooertv Use 0100 Single Family Total Building Value $120,853.00 $97,479.00 #of Buildings 1 Extra Feature Value $237.00 $245.00 For full legal description see Land Value(Market) $110,000.00 $170,000.00 Legal Desc. Land&Legal section below Land Value Mark.) $0.00 $0.00 Subdivision! 03116 SALTAIR SEC 01 Just(Market)Value $231,090.00 $267,724.00 Total Area 7450 Assessed Value $224,156.00 $228,863.00 The sale of this property may result in higher property taxes.For more Information go Cap Diff/Portability Amt $6,934.00/$0.00 $38,861.00/$0.00 to Save Our Homes and our Prooertv Tax Estimator.'In Progress'property values, Fxemotion$ $50,000.00 See below exemptions and other supporting information on this page are part of the working tax Taxable Value $174,156.00 See below roll and are subject to change.Certified values listed in the Value Summary are those certified in October,but may include any official changes made after certification Learn how the Prooertv Aooraiser'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 Assessed Value $228,863.00 Assessed Value $228,863.00 Assessed Value $228,863.00 Homestead(HX) -$25,000.00 Homestead(HX) -$25,000.00 Homestead(HX) -$25,000.00 Homestead Banding 196.031(1)(b)(HB) Homestead Banding 196.031(1)(b)(HB) Taxable Value $203,863.00 -$25,000.00 -$25,000.00 Taxable Value ;178,863.00 Taxable Value $178,863.00 + Sales History --J Book/Page Sale Date I Sale Price peed Instrument Tvoe Code Ouaiified/Unqualified Vacant/Improved 16661-00703 1/3/2014 $250,000.00 WD-Warranty Deed Unqualified Improved 15487-00033 12/22/2010 $100.00 QC-Quit Claim Unqualified Improved 14468-01081 4/11/2008 $225,000.00 WD-Warranty Deed Qualified Improved 14404-02252 1/28/2008 $100.00 MS-Miscellaneous Unqualified Improved 13930-00109 4/12/2007 $100.00 MS-Miscellaneous Unqualified Improved 05648-01996 5/9/1983 $39,400.00 WD-Warranty Deed Unqualified Improved Q4269-00910 11/8/1976 $25,000.00 WD-Warranty Deed Unqualified Improved 03757-01006 7/15/1974 $11,300.00 WD Warranty Deed Unqualified Improved 03757-01005 6/2/1971 $100.00 QC Quit Claim Unqualified Improved + Extra Features 1 LN I Feature Code I Feature Description Bldg. Length I Width I Total Units I Value 1 I SHWR2 I Shed Wood 1 8 1 8 164.00 $245.00 + Land&Legal J Land L-sal 1 LN c Zoni Use Description ng Front Depth Category Land 1 Land LN Legal Description Units Dm Value 1 10-8 16-2S-29E.172 1 0100 RES LD 3-7 UNITS PER ARS-2 75.00 100.00 Common 1.00 Lot $170,000.00 2 SALTAIR SECTION NO 1 AC 3 LOT 454,N 1/2 LOT 455 + Buildings Building 1 Building 1 Site Address Element I Code Detail 295 BELVEDERE ST Unit Atlantic Beach FL 32233 Exterior Wall 18 8 Horizontal Lap Roof Struct 3 3 Gable or Hip Building Type 10101-SFR 1 STORY I Roofing Cover 3 3 Asph/Comp Shng I http://apps.coj.net/PAO_PropertySearch/Basic/Detail.aspx?RE=1705010000 5/15/2017 Doc # 2014218452, OR BK 16924 Page 2074, Number Pages: 17, Recorded 09/26/2014 at 10:40 AM, Ronnie Fussell CLERK CIRCUIT COURT DUVAL COUNTY RECORDING $146.00 MORTGAGE DOC ST $696.50 INTANGIBLE TAX $398.00 Return To: Compass Bank P.O. Box 10566 Mail Code AL-BI-SC-LLE Birmingham, AL 35296 This document was prepared by: LaTammy Cornner 401 West Valley Avenue Homewood, AL 35209 [Space Above This Line Fur Recording Data] • •-- MORTGAGE DEFINITIONS Words used in multiple sections of this document arc defined below and other words are defined in Sections 3, 11, 13, 18, 20 and 21. Certain rules regarding the usage of words used in this document are also provided in Section 16. (A)"Security Instrument"means this document, which is dated September 22, 2014 together with all Riders to this document. (B)'Borrower"is STEPHANIE A. BEZEL, A SINGLE WOMAN Borrower is the mortgagor under this Security Instrument. (C)"Lender"is COMPASS BANK Lender is an ALABAMA STATE BANK organized and existing under the laws of THE STATE OF ALABAMA 1407185920 11112907 FLORIDA-Single Family-Fannie Mae/Freddie Mac UNIFORM INSTRUMENT Fonn 3010 1/01 Cb-6(FL)(1302) ® L, Page 1 of 16 Initlab:N._ VM P YOAgage Forms.Inc. OR BK 16924 PAGE 2076 • • (0) "RESPA"means the Real Estate Settlement Procedures Act(12 U.S.C. Section 2601 et seq.)and its implementing regulation, Regulation X (12 C.F.R. Part 1024), as they might be amended from time to time, or any additional or successor legislation or regulation that governs the same subject matter. As used in this Security Instrument, "RESPA"refers to all requirements and restrictions that are imposed in regard to a "federally related mortgage loan" even if the Loan does not qualify as a "federally related mortgage Ioan" under RESPA. (P) "Successor in Interest of Borrower"means any party that has taken title to the Property, whether or not that party has assumed Borrower's obligations under the Note andlor this Security Instrument. TRANSFER OF RIGHTS IN THE PROPERTY This Security Instrument secures to Lender: (i)the repayment of the Loan, and all renewals, extensions and modifications of the Note; and(ii) the performance of Borrower's covenants and agreements under this Security Instrument and the Note. For this purpose, Borrower does hereby mortgage, grant and convey to Lender, the following described property located in the COUNTY [Type of Recording Jurisdiction] of Duval [Name of Recording Jurisdiction]: PLEASE SEE THE ATTACHED SCHEDULE "A" Parcel TO Number: 170501-0000 which currently has the address of 295 BELVEDERE ST [Street] ATLANTIC BEACH [City], Florida 32233 [Zip Code] ("Property Address"): TOGETHER WITH all the improvements now or hereafter erected on the property, and all easements, appurtenances, and fixtures now or hereafter a part of the property. All replacements and additions shall also be covered by this Security Instrument. All of the foregoing is referred to in this Security Instrument as the"Property." I 1407185920 11112907 FLORIDA-Single Family-Fannie MaelFreddie Mac UNIFORM INSTRUMENT -6(FL)11302) Page 3 of 16 Inalels:__ Form 3 010 1/01 OR BK 16924 PAGE 2078 can be paid in full. To the extent that any excess exists after the payment is applied to the full payment of one or more Periodie Payments, such excess may be applied to any late charges due. Voluntary prepayments shall be applied first to any prepayment charges and then as described in the Note. Any application of payments, insurance proceeds, or Miscellaneous Proceeds to principal due under the Note shall not extend or postpone the due date, or change the amount, of the Periodic Payments. 3. Funds for Escrow Items. Borrower shall pay to Lender on the day Periodic Payments are due under the Note, until the Note is paid in full, a sum(the"Funds")to provide for payment of amounts due for: (a)taxes and assessments and other items which can attain priority over this Security Instrument as a lien or encumbrance on the Property; (b) leasehold payments or ground rents on the Property, if any; (c) premiums for any and all insurance required by Lender under Section 5; and (d) Mortgage Insurance premiums, if any, or any sums payable by Borrower to Lender in lieu of the payment of Mortgage Insurance premiums in accordance with the provisions of Section 10. These items are called "Escrow Items." At origination or at any time during the term of the Loan, Lender may require that Community Association Dues, Fees, and Assessments, if any, be escrowed by Borrower, and such dues, fees and assessments shall be an Escrow Item. Borrower shall promptly furnish to Lender all notices of amounts to be paid under this Section. Borrower shall pay Lender the Funds for Escrow Items unless Lender waives Borrower's obligation to pay the Funds for any or all Escrow Items. Lender may waive Borrower's obligation to pay to Lender Funds for any or all Escrow Items at any time. Any such waiver may only he in writing. In the event of such waiver,Borrower shall pay directly, when and where payable, the amounts due for any Escrow Items for which payment.of Funds has been waived by Lender and, if Lender requires, shall furnish to Lender receipts evidencing such payment within such time period as Lender may require. Borrower's obligation to make such payments and to provide receipts shall for all purposes be deemed to be a covenant and agreement contained in this Security Instrument, as the phrase"covenant and agreement" is used in Section 9. If Borrower is obligated to pay Escrow Items directly, pursuant to a waiver, and Borrower fails to pay the amount due for an Escrow Item, Lender may exercise its rights under Section 9 and pay such amount and Borrower shall then be obligated under Section 9 to repay to Lender any such amount. Lender may revoke the waiver as to any or all Escrow Items at any time by a notice given in accordance with Section 15 and, upon such revocation, Borrower shall pay to Lender all Funds, and in such amounts, that are then required under this Section 3. Lender may, at any time, collect and hold Funds in an amount(a)sufficient to permit Lender to apply the Funds at the time specified under RESPA, and (b)not to exceed the maximum amount a lender can require under RESPA. Lender shall estimate the amount of Funds due on the basis of current data and reasonable estimates of expenditures of future Escrow Items or otherwise in accordance with Applicable Law. The Funds shall be held in an institution whose deposits are insured by a federal agency, instrumentality, or entity(including Lender, if Lender is an institution whose deposits are so insured)or in any Federal Home Loan Bank. Lender shall apply the Funds to pay the Escrow Items no later than the time specified under RESPA. Lender shall not charge Borrower for holding and applying the Funds, annually analyzing the escrow account, or verifying the Escrow Items, unless Lender pays Borrower interest on the Funds and Applicable Law permits Lender to make such a charge. Unless an agreement is made in writing or Applicable Law requires interest to be paid on the Funds, Lender shall not be required to pay Borrower any interest or earnings on the Funds. Borrower and Lender can agree in writing, however, that interest 1407195920 11112907 FLORIDA-Single Family-Fannie Mae/Freddie Mac UNIFORM INSTRUMENT M,-6(FL)(1302) Page 5 o116 InhI eIs:.� 1 Form 3010 1101 OR BK 16924 PAGE 2080 If Borrower fails to maintain any of the coverages described above, Lender may obtain insurance coverage, at Lender's option and Borrower's expense. Lender is under no obligation to purchase any particular type or amount of coverage. Therefore, such coverage shall cover Lender, but might or might not protect Borrower, Borrower's equity in the Property, or the contents of the Property, against any risk, hazard or liability and might provide greater or lesser coverage than was previously in effect. Borrower acknowledges that the cost of the insurance coverage so obtained might significantly exceed the cost of insurance that Borrower could have obtained. Any amounts disbursed by Lender under this Section 5 shall become additional debt of Borrower secured by this Security Instrument. These amounts shall bear interest at the Note rate from the date of disbursement and shall be payable, with such interest, upon notice from Lender to Borrower requesting payment. All insurance policies required by Lender and renewals of such policies shall be subject to Lcndcr's right to disapprove such policies, shall include a standard mortgage clause, and shall name Lender as mortgagee and/or as an additional loss payee. Lender shall have the right to hold the policies and renewal certificates. If Lender requires, Borrower shall promptly give to Lender all receipts of paid premiums and renewal notices. If Borrower obtains any form of insurance coverage, not otherwise required by Lender, for damage to, or destruction of; the Property, such policy shall include a standard mortgage clause and shall name Lender as mortgagee and/or as an additional loss payee. 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. Unless Lender and Borrower otherwise agree in writing, any insurance proceeds, whether or not the underlying insurance was required by Lender, shall be applied to restoration or repair of the Property, if the restoration or repair is economically feasible and Lender's security is not lessened. During such repair and restoration period, Lender shall have the right to hold such insurance proceeds until Lender has had an opportunity to inspect such Property to ensure the work has been completed to Lender's satisfaction, provided that such inspection shall be undertaken promptly. Lender may disburse proceeds for the repairs and restoration in a single payment or in a series of progress payments as the work is completed. Unless an agreement is made in writing or Applicable Law requires interest to be paid on such insurance proceeds, Lender shall not be required to pay Borrower any interest or earnings on such proceeds. Fees for public adjusters, or other third parties, retained by Borrower shall not he paid out of the insurance proceeds and shall be the sole obligation of Borrower. If the restoration or repair is not economically feasible or Lender's security would be lessened, the insurance proceeds shall be applied to the sums secured by this Security Instrument, whether or not then due, with the excess, if any, paid to Borrower. Such insurance proceeds shall be applied in the order provided for in Section 2. If Borrower abandons the Property, Lender may file, negotiate and settle any available insurance claim and related matters. If Borrower does not respond within 30 days to a notice from Lender that the insurance carrier has offered to settle a claim, then Lender may negotiate and settle the claim. The 30-day period will begin when the notice is given. In either event, or if Lender acquires the Property under Section 22 or otherwise, Borrower hereby assigns to Lender (a) Borrower's rights to any insurance proceeds in an amount not to exceed the amounts unpaid under the Note or this Security Instrument, and (b) any other of Borrower's rights (other than the right to any refund of unearned premiums paid by Borrower) under all insurance policies covering the Property, insofar as such rights are applicable to the coverage of the Property. Lender may use the insurance proceeds either to repair or restore the Property or to pay amounts unpaid under the Note or this Security Instrument, whether or not then due. 1407185920 11112907 FLORIDA-Single Family-Fannie Mae/Freddie Mac UNIFORM INSTRUMENT 44-6(FL)(1302) Doge?of 16 mauls: < 'u Form 3010 1101 OR BK 16924 PAGE 2082 Any amounts disbursed by Lender under this Section 9 shall become additional debt of Borrower securcd by this Security Instrument. These amounts shall bear interest at the Note rate from the date of disbursement and shall be payable, with such interest, upon notice from Lender to Borrower requesting payment. If this Security Instrument is on a leasehold, Borrower shall comply with all the provisions of the lease. If Borrower acquires fee title to the Property, the leasehold and the fee title shall not merge unless Lender agrees to the merger in writing. 10. Mortgage Insurance. If Lender required Mortgage Insurance as a condition of making the Loan, Borrower shall pay the premiums required to maintain the Mortgage Insurance in effect. If, for any reason, the Mortgage Insurance coverage required by Lender ceases to be available from the mortgage insurer that previously provided such insurance and Borrower was required to make separately designated payments toward the premiums for Mortgage Insurance, Borrower shall pay the premiums required to obtain coverage substantially equivalent to the Mortgage Insurance previously in effect, at a cost substantially equivalent to the cost to Borrower of the Mortgage Insurance previously in effect, from an alternate mortgage insurer selected by Lender. If substantially equivalent Mortgage Insurance coverage is not available, Borrower shall continue to pay to Lender the amount of the separately designated payments that were due when the insurance coverage ceased to be in effect. Lender will accept, use and retain these payments as a non-refundable loss reserve in lieu of Mortgage Insurance. Such loss reserve shall be non-refundable, notwithstanding the fact that the Loan is ultimately paid in full, and Lender shall not be required to pay Borrower any interest or earnings on such loss reserve. Lender can no longer require loss reserve payments if Mortgage Insurance coverage(in the amount and for the period that Lender requires) provided by an insurer selected by Lender again becomes available, is obtained, and Lender requires separately designated payments toward the premiums for Mortgage Insurance. If Lender required Mortgage Insurance as a condition of making the Loan and Borrower was required to make separately designated payments toward the premiums for Mortgage Insurance, Borrower shall pay the premiums required to maintain Mortgage Insurance in effect, or to provide a non-refundable loss reserve, until Lender's requirement for Mortgage Insurance ends in accordance with any written agreement between Borrower and Lender providing for such termination or until termination is required by Applicable Law. Nothing in this Section 10 affects Borrower's obligation to pay interest at the rate provided in the Note. Mortgage Insurance reimburses Lender (or any entity that purchases the Note) for certain losses it may incur if Borrower does not repay the Loan as agreed. Borrower is not a party to the Mortgage Insurance. Mortgage insurers evaluate their total risk on all such insurance in force from time to time, and may enter into agreements with other parties that share or modify their risk, or reduce losses. These agreements are on terms and conditions that are satisfactory to the mortgage insurer and the other party(or parties)to these agreements. These agreements may require the mortgage insurer to make payments using any source of funds that the mortgage insurer may have available(which may include funds obtained from Mortgage Insurance premiums). As a result of these agreements, Lender, any purchaser of the Note, another insurer, any reinsurer, any other entity, or any affiliate of any of the foregoing, may receive(directly or indirectly)amounts that derive from (or might be characterized as) a portion of Borrower's payments for Mortgage Insurance, in exchange for sharing or modifying the mortgage insurer's risk, or reducing losses. Jf such agreement provides that an affiliate of Lender takes a share of the insurer's risk in exchange for a share of the premiums paid to the insurer, the arrangement is often termed"captive reinsurance."Further: (a) Any such agreements will not affect the amounts that Borrower has agreed to pay for Mortgage Insurance, or any other terms of the Loan. Such agreements will not increase the amount Borrower will owe for Mortgage Insurance, and they will not entitle Borrower to any refund. 1407185920 11112907 FLORIDA-Single Family-Fannie Mae/Freddie Mac UNIFORM INSTRUMENT CD-6(FL)(1302) Page9 of 16 Initials: .<4":14 Form 3010 1101 OR BK 16924 PAGE 2084 any award or claim for damages that are attributable to the impairment of Lender's interest in the Property are hereby assigned and shall be paid to Lender. All Miscellaneous Proceeds that are not applied to restoration or repair of the Property shall be applied in the order provided for in Section 2. 12. 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 Security Instrument granted by Lender to Borrower or any Successor in Interest of Borrower shall not operate to release the liability of Borrower or any Successors in Interest of Borrower. Lender shall not be required to commence proceedings against any Successor in Interest of Borrower or to refuse to extend time for payment or otherwise modify amortization of the sums secured by this Security Instrument by reason of any demand made by the original Borrower or any Successors in Interest of Borrower. Any forbearance by Lender in exercising any right or remedy including, without limitation, Lender's acceptance of payments from third persons, entities or Successors in Interest of Borrower or in amounts less than the amount then due, shall not be a waiver of or preclude the exercise of any right or remedy. 13. Joint and Several Liability; Co-signers; Successors and Assigns Bound. Borrower covenants and agrees that Borrower's obligations and liability shall be joint and several. However,any Borrower who co-signs this Security Instrument but does not execute the Note (a "co-signer"): (a) is co-signing this Security Instrument only to mortgage, grant and convey the co-signer's interest in the Property under the terms of this Security instntment; (b) is not personally obligated to pay the sums secured by this Security instrument; and (c) agrees that Lender and any other Borrower can agree to extend, modify, forbear or make any accommodations with regard to the terms of this Security Instrument or the Note without the co-signer's consent. Subject to the provisions of Section 18, any Successor in Interest of Borrower who assumes Borrower's obligations under this Security Instrument in writing, and is approved by Lender, shall obtain all of Borrower's rights and benefits under this Security Instrument. Borrower shall not be released from Borrower's obligations and liability under this Security Instrument unless Lender agrees to such release in writing. The covenants and agreements of this Security Instrument shall bind (except as provided in Section 20)and benefit the successors and assigns of Lender. 14. Loan Charges. Lender may charge Borrower fees for services performed in connection with Borrower's default, for the purpose of protecting Lender's interest in the Property and rights under this Security Instrument, including, but not limited to, attorneys' fees, property inspection and valuation fees. In regard to any other fees, the absence of express authority in this Security Instrument to charge a specific fee to Borrower shall not be construed as a prohibition on the charging of such fee. Lender may not charge fees that are expressly prohibited by this Security Instrument or by Applicable Law. If the Loan is subject to a law which sets maximum loan charges, and that law is finally interpreted so that the interest or other loan charges collected or to be collected in connection with the Loan exceed the permitted limits, then: (a) any such loan charge shall be reduced by the amount necessary to reduce the charge to the permitted limit; and(b)any sums already collected from Borrower which exceeded permitted limits will be refunded to Borrower. Lender may choose to make this refund by reducing the principal owed under the Note or by making a direct payment to Borrower. If a refund reduces principal, the reduction will be treated as a partial prepayment without any prepayment charge (whether or not a prepayment charge is provided for under the Note). Borrower's acceptance of any such refund made by direct payment to Borrower will constitute a waiver of any right of action Borrower might have arising out of such overcharge. 15. Notices. All notices given by Borrower or Lender in connection with this Security Instrument must be in writing. Any notice to Borrower in connection with this Security Instrument shall be deemed to have been given to Borrower when mailed by first class mail or when actually delivered to Borrower's notice address if sent by other means. Notice to any one Borrower shall constitute notice to all Borrowers 1407185920 11112907 FLORIDA-Single Family-Fannie Mae/Freddie Mac UNIFORM INSTRUMENT -6(FL)(1302) paged or is Initials: UJ Form 3 010 1101 I ii OR BK 16924 PAGE 2086 • purpose of protecting Lender's interest in the Property and rights under this Security Instrument; and(d) takes such action as Lender may reasonably require to assure that Lender's interest in the Property and rights under this Security Instrument, and Borrower's obligation to pay the sums secured by this Security Instrument, shall continue unchanged. Lender may require that Borrower pay such reinstatement sums and expenses in one or more of the following forms, as selected by Lender: (a) cash; (b) money order; (c) certified check, bank check, treasurer's check or cashier's check, provided any such check is drawn upon an institution whose deposits are insured by a federal agency, instrumentality or entity; or(d)Electronic Funds Transfer. Upon reinstatement by Borrower, this Security Instrument and obligations secured hereby shall remain fully effective as if no acceleration had occurred. However, this right to reinstate shall not apply in the case of acceleration under Section 18. 20. Sale of Note; Change of Loan Servicer; Notice of Grievance.The Note or a partial interest in the Note (together with this Security Instrument) can be sold one or more times without prior notice to Borrower. A sale might result in a change in the entity (known as the "Loan Servicer") that collects Periodic Payments due under the Note and this Security Instrument and performs other mortgage loan servicing obligations under the Note, this Security Instrument, and Applicable Law. There also might be one or more changes of the Loan Servicer unrelated to a sale of the Note. If there is a change of the Loan Servicer, Borrower will be given written notice of the change which will state the name and address of the new Loan Servicer, the address to which payments should be made and any other information RESPA requires in connection with a notice of transfer of servicing. If the Note is sold and thereafter the Loan is serviced by a Loan Servicer other than the purchaser of the Note, the mortgage loan servicing obligations to Borrower will remain with the Loan Servicer or be transferred to a successor Loan Servicer and are not assumed by the Note purchaser unless otherwise provided by the Note purchaser. Neither Borrower nor Lender may commence, join, or be joined to any judicial action (as either an individual litigant or the member of a class) that arises from the other party's actions pursuant to this Security Instrument or that alleges that the other party has breached any provision of, or any duty owed by reason of, this Security Instrument, until such Borrower or Lender has notified the other party(with such notice given in compliance with the requirements of Section 15) of such alleged breach and afforded the other party hereto a reasonable period after the giving of such notice to take corrective action. If Applicable Law provides a time period which must elapse before certain action can be taken, that time period will be deemed to be reasonable for purposes of this paragraph. The notice of acceleration and opportunity to cure given to Borrower pursuant to Section 22 and the notice of acceleration given to Borrower pursuant to Section 18 shall be deemed to satisfy the notice and opportunity to take corrective action provisions of this Section 20. 21. Hazardous Substances. As used in this Section 21: (a) "Hazardous Substances" are those substances defined as toxic or hazardous substances, pollutants, or wastes by Environmental Law and the following substances: gasoline, kerosene, other flammable or toxic petroleum products, toxic pesticides and herbicides, volatile solvents, materials containing asbestos or formaldehyde, and radioactive materials; (b)"Environmental Law" means federal laws and laws of the jurisdiction where the Property is located that relate to health, safety or environmental protection; (c) "Environmental Cleanup" includes any response action, remedial action, or removal action, as defined in Environmental Law; and(d) an "Environmental Condition" means a condition that can cause, contribute to, or otherwise trigger an Environmental Cleanup. 1407185920 J 11112907 FLORIDA-Single Family-Fannie Mae/Freddie Mae UNIFORM INSTRUMENT M0-6(FL)(1302) ?aye 13 e116 Initials Form 3010 1101 OR BK 16924 PAGE 2088 BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this Security Instrument and in any Rider executed by Borrower and recorded with it. Signed, scaled and delivered in the presence of: ,r. (Seal) t C.hadj`r YY • CO W STEPHANIE A. BEZEL -Borrower 295 BELVEDERE ST ATLANTIC BEACH, FL 32233 (Address) (Seal) -Burrower (Address) (Seal) (Seal) -Borrower -Borrower (Address) (Address) (Seal) _ (Seal) -Borrower -Borrower (Address) (Address) (Seal) (Seal) -Borrower -Borrower (Address) (Address) 1407185920 11112907 FLORIDA-Single Family-Fannie Mae/Freddie Mac UNIFORM INSTRUMENT -6(FL)(1302) Pape 15 of+s Form 3010 1101 OR BK 16924 PAGE 2090 Date: September 22,2014 Property Address:295 Belvedere St Atlantic Beach,Florida 32233 APN#170501-0000 Exhibit "A" LEGAL DESCRIPTION Lot 454 and the North 1/2 of Lot 455, Saltair Section No. 1,according to the map or plat thereof, as recorded in Plat Book 10,Page(s) 8, of the Public Records of Duval County,Florida. Legal Description Exhibit D to the Tree and Vegetation Removal Permit Construction Site Management Plan The address to the property will be clearly displayed on the front and side of the house closest to the streets. The legal description of the property will be posted on the front of the house near the building and tree permit. A copy of Exhibit B "Tree &Vegetation Inventory" and Exhibit C "Tree &Vegetation Mitigation Worksheet" will be posted on the front of the house near the building and tree permit. The property corners will be staked. Additionally, the 6' wooden privacy fence and 3' chain link fence are clear indicators of property line. The tree areas that are to be preserved will be roped off at the drip line. The 6' wooden privacy fence and 3' chain link fence are clear indicators of property line and the neighboring property has no trees near the construction area. The 3 trees that are approved for removal will be marked with RED tape and labeled "REMOVE". The trees that are to be preserved will be inside the roped off area and further marked with BLUE tape and labeled "KEEP". Application #TREE - /rS1 1`1% Cash Register Receipt Receipt Number J� r City of Atlantic Beach R1594 DESCRIPTION ACCOUNT QTY PAID PermitTRAK $125.00 TREE17-0007 Address: 295 BELVEDERE ST APN: 170501 0000 $125.00 TREE REMOVAL $125.00 TREE REMOVAL RESIDENTIAL APP FEE 00100003291005 0 $125.00 TOTAL FEES PAID BY RECEIPT: R1594 $125.00 • Date Paid: Monday, May 22, 2017 Paid By: HEZEL STEPHANIE A Cashier: CT Pay Method: CREDIT CARD 022855 • Printed: Monday, May 22,2017 4:46 PM 1 of 1 ,, , ` ''` „, TREE REMOVAL CALCULATIONS :f I ,, 1) City of Atlantic Beach j fir, Community Development Department 800 Seminole Road Atlantic Beach, Florida 32233-5445 03339 ' Phone: (904) 247-5826 Fax: (904) 247-5845 Email: Building-Dept@coab.us Permit: Treel7-0007 Applicant: Stephanie Hezel Address: 295 Belvedere St,Atlantic Beach Site Address: 295 Belvedere Street Phone: (904)553-2183 RE#: 170501-0000 Email: Stephanie.hezel@gmail.com TREE REMOVAL CALCULATIONS REMOVED Legacy(non-oak) Legacy(oak) Oaks Palms Others Total Protected Trees Removed: 0 0 0 0 77 77 Mitigation Needed: 0 0 0 0 38.5 38.5 Trees Removed: 2-22",33"Sweetgum MITIGATION Legacy(non-oak) Legacy(oak) Oaks Palms Others Total Credit for Trees Preserved: 0 0 0 0 0 0 Credit for Trees Relocated: 0 0 0 0 0 0 Credit for Trees Planted: 0 0 0 0 0 0 Total: 0 0 0 0 0 0 Trees Preserved: None for credit. Trees Relocated: None for credit. Trees Planted: None for credit. *Planted Legacy Tree species receive DOUBLE credit when replacing non-Legacy Trees.The Legacy Tree list includes Bald Cypress; Southern and Eastern Red Cedars; Winged and Florida Elms; Live and Sand Live Oaks; Hickory; Pecan; Pignut Hickory;Loblolly Bay; Southern and Sweetbay Magnolias; Red and Florida Maples;and Tupelo. ADDITIONAL MITIGATION REQUIRED (Mitigation Needed--Total) Legacy(non-oak) Legacy(oak) Oaks Palms Others Total New Trees Planted: 0 0 0 0 38.5 38.5 or Payment Into Tree Fund**: $0.00 $0.00 $0.00 $0.00 $4,466.00 $4,466.00 or A Combination of the Above** **At least 50%of mitigation must be onsite. Additional Notes: Mitigation is 1 inch preserved or planted for every 2 inches removed. Tree Fund rate is$116.00 per inch. Also preserving 7"Cherry Laurel;47.4"Maple,9.5"Crepe Myrtle; 13"Sabal Palm;7" Ligustrum;20" Pine;22"Sago Palm; 15",28",30" Sweetgum.Also planting 30 gallon lime,30 gallon lemon,and 30 gallon grapefruit. Status is in accordance with the City of Atlantic Beach code of ordinances in effect at the time of application submittal. APPROVED ❑ DENIED ..kr . i.•-• Com— 0/17 TPO ADMINISTRATOR DATE .. — 4 is AirITY OF ATLANTIC BEACH EbM-v-- 800 Seminole Road j JUN - 6 2017 Atlantic Beach, Florida 32233 ' ;r j Telephone(904)247-5800 — FAX(904)247-5845 *474.0511!P _.. • REVISION REQUEST SHEET OR CORRECTIONS TO REVIEW COMMENT Date: act h 17 Received by: Resubmitted: Permit Number: -7 7 /7-aCk 7 Original Plans Examiner: Project Name: Project Address: 2 75 Be f„eDe e ii, FL 3ZZr33 Contractor: Contact Name: Contact Phone : Contact e-mail: Revision/Plan Check/Permit Fee (s)Due: $ Description of Proposed Revision to Existing Permit: ps j( h o4 ect vr. r sc ex(�, - 8,/C 17 fo /C "j144.v.¢_4-P r I,Ja4 At? I v1 ►.le .) Cla f(W' 1 67 -f-o 10'.4( tokst #w. 30,Lv oN.w, f '.[''4 I c.i.c3 I , elf -F ree. ( 7 Res I- cc' Ml t q a+r coy" tre2 CurAri Additional Increase in Building Value: $ Ai . Additional S.F. Site Plan Revised: Public W/U Approval: By signing below.I(print name) _c*(—0011411 r e ff affirm that the above revision is inclusive of the proposed changes. S-1- I1Atn1• e - G fu r1 17 ignature of Contractor/Agent(Contractor must sign if increase in valuation) Date Office Use Only Date: Approved: Rejected: Notified by: Plan Review Comments: Department review required Yes No Buildin Planning &Zoning Th Tree Administrator Plans Examiner Public Works Public Utilities Public Safety Fire Services Date Crated 4113/16 Rev.3 • EXHIBIT B. TREE&VEGETATION INVENTORY Application#TREE J7- oh b / For the removal of 25 trees or less associated with major development, redevelopment or renovation of or addition to single- family or two-family structures,or the removal of 25 trees or less associated with the renovation of or addition to all other non- residential uses,use the grid below to create a Tree&Vegetation Inventory. Note the scale on the bottom of the page. Plot the boundaries of the subject property,as well as existing and proposed structure(s). Label all adjacent streets. Note the location of trees to be removed with an"X". Note the location of trees to be preserved with"1 ]". Note the proposed location of replacement (mitigation) trees with "O". Number all trees, whether to be removed, preserved or replaced, and list on EXHIBIT C. Tree & Vegetation Mitigation Worksheet. l 1 t I 7_ ...... .. ....... ...... .. .,... 7 .......... ... 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K 13 45.0d sot--�T 60-1 _ GQDh ~X , 1,1 ?zY3a S+-Y-16 Filch ()KA) X 15 ?zip? CWS-=1 CSO. 6-)0. b A 16 i)4.De% Sc,)0.51 ()oh , C>�bt:N X -- -}7 vJgl - -- 18 a'. ss��w....--.— •' 1 r;-Rr---v reso— r --I4C", I -72e I(4t C if\jil,k4 ut-1 -1e71,L. S /6"( it4jk N P IU OA-) X , 27 ' __ 24 —_.._ 1 25 .-- 27 .— 4 r------ 28 29 30 3+ 32 _ _ ____33. , 34 ____ . 35 36 —_ ._ 37. 39 40 • 41 i 42 43 _ T__ t 44 _ 45 48 -- r #9 cio I of 2l YHIHiT C_Tree&Vegetation Mitigation 6Vorksheet_versionoi.o,.o9