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Bank of America BPO dispute Form

4'37'56 (14 #224#+5#. 14 4'8+'9 4'%105+&'4#6+10

%WUVQOGT )TQWR )RUHFORVXUH %DQNUXSWF\ +RPH 5HWHQWLRQ 6KRUW 3D\RII 6KRUW 6DOH /RVV 0LWLJDWLRQ -U /LHQ 5HDO (VWDWH 0DQDJHPHQW 5(0  5(2 'OCKN #FFTGUU 9DOXDWLRQ6HUYLFHV#EDQNRIDPHULFDFRP GJ5(25(0BUHFRQVLGHUDWLRQV#ODQGVDIHFRP

PLEASE E-MAIL THIS FORM AND ANY SUPPORTING DOCUMENTATION TO: This address can also be used for status inquiries
Examples of Acceptable Information for a Reconsideration:
A Reconsideration Request may be submitted when additional market information exists or additional facts about the subject's physical condition exist that were not included in the original appraisal or Review and the information is materially relevant to the conclusions in the report (e.g. opinion of value, property condition rating, housing trends, etc). A Reconsideration is conducted as a result of a disagreement with appraisal report opinion(s) based on additional data not included in the original appraisal report. The completion of Reconsideration may or may not result in a change to the report or the value opinion. Refer to the possible Reconsideration items listed below, which may include additional comparables that closed prior to the effective date of the value being disputed that were not considered or concerns with information or comparables that were in the value being disputed. Check the applicable box(es) and provide any necessary supporting or clarifying information.

Examples of Unacceptable Information for a Reconsideration:

Do not submit an Appraisal or BPO; you may list the comparable information from a prior appraisal in the comparable section below. Do not submit any analysis that points to a specific value or value range (e.g., Zillow.com value estimate, AVM)

Supporting Documentation Provided (check the appropriate box): Subject Sketch Other: ASSET INFORMATION: Date: Property Address: City: State: Zip: REQUESTOR INFORMATION: Requested by: Requestors email: Will the investor accept a Value Opinion from LandSafe, including the possibility of concluding an alternate value? Yes No Ph #: Company: Order Reference #: Borrower Name:

ADDITIONAL COMPARABLE INFORMATION SUBMITTED FOR RECONSIDERATION (Limit to five comparables)

Additional Comparable Information: Closed sales - List address, verifiable source document (MLS, public record), and closing date of additional comparables. Additional comparables submitted must be recent, proximate and similar and must have closed prior to the effective date of the appraisal. Please limit to five comparables. Listings or pending sales - Listings that were in effect prior to the effective date of the value being disputed may be submitted with closed comparables. Listings or pending sales alone may not be sufficient to justify a change in the appraisal report. Sale or Pending or Listing Sale or List Price Closed Date Verifiable Doc or MLS# Verification Contact New Comps Are:
1 - More similar in features 2 - Located closer to subject 3 - Closed more recently 4 - More similar in condition

Comparable Address

BofAAppraisalValueDisputesSheet1

Page 1 of 2

CONCERNS REGARDING COMPARABLES FOR RECONSIDERATION Check the box for each applicable issue. If comments are not also provided, the issue may not be addressed. Applicable Comparable # The following information suggests a different Comparable(s) #: Comment: adjustment for one of the subjects features Comparable(s) #: Comment: (e.g., site, view, condition, GLA, etc.): Comparable(s) #: Comment: Analysis of this comparable did not Comparable(s) #: Comment: consider the following differences: (e.g., Comparable(s) #: Comment: location, feature, view): Comparable(s) #: Comment: The following information is being provided Comparable(s) #: Comment: regarding the noted comparable: Comparable(s) #: Comment: Comparable(s) #: Comment:

(Refer to page 2 for Other Concerns for Reconsideration)

OTHER CONCERNS FOR RECONSIDERATION Check the box for each applicable additional item for Reconsideration. If comments are not also provided, the issue may not be addressed. Neighborhood Information: Consider the following information regarding the subject Neighborhood Characteristics (Rural, Suburban, Urban):

Housing Price Trends: Consider the following housing price trends information in the Market Conditions Addendum (1004MC) :

Appraisers housing trends in the Market Conditions Addendum (1004MC) in the appraisal report do not appear to have been adequately analyzed and addressed in the Sales Comparison Approach based on the following:

Comparable Sale Selection in the Sales Comparison Approach: The following information regarding date of sale/time adjustments is not consistent with the conclusions indicated in the appraisal report:

Comparables are more than 1 mile from the subject (Urban, Suburban) or the subjects neighborhood is Rural and the comparables are over 10 miles away, and such comparable(s) are given greatest consideration in the appraisal. However, other more similar closed sales were located closer to the subject (Please provide these sales in the section provided on the first page of this form). Exhibits (Check each applicable box and attach relevant documentation as an exhibit(s) to the Request for Reconsideration): Significant disagreement with the subjects Gross Living Area based on a building sketch or other attached verifiable data. Photos that support a different conclusion regarding the contributory value of the subjects improvements (brief description):

Photos (interior or exterior) from a verifiable data source that support a different conclusion regarding the condition or amenities of a comparable sale(s) (brief description):

If you have other concerns; please restrict your comments to factual information. Do not provide a conclusion to a specific value, value range, or direction in value; otherwise, an Appraiser Independence violation may occur and your request will be returned: Do not submit an appraisal or the Sales Comparison grid from an appraisal.

Comments:

BofAAppraisalValueDisputesSheet1

Page 2 of 2

BPO Dispute Sample 1

TUTAS TOWNE REALTY, INC

628 Grand Canal Dr Poinciana FL 34759 PH: 407-873-2747 FX: 407-358-5472 www.CentralFloridaShortSales.com and www.TutasTowneRealty.com Email: [email protected] ====================================================== 5 October 2011 LN# 3002423931/3002412538 Cole and Melanie Carlton 1410 Bass Rd Dunedin FL 34698 To whom it may concern, In response to the counter offer received from IndyMac on September 28. After much discussion, the buyer is countering at $80,000 and agrees to accept the property in As Is condition. The current buyer is applying for a FHA 203k loan and is able to place the cost of the needed repairs into the financing. This is a huge benefit to the seller. The buyer is also a first time homebuyer and is purchasing as a primary residence. She is not trying to purchase low to make a profit and is willing to pay a fair price for the property. The offer is based on current market conditions and the fact that the property needs roughly $25,000 to $30,000 in repairs. Most which would need to be done in order to place a mortgage on the property. Recent sales show the true market value of the property to be $105,000 to $108,000 IF repaired and in good condition. Therefore the As Is offer of $80,000 is spot on. Attached to this letter are: 1. Revised Purchase contract

2. 3. 4. 5. 6. 7.

Preliminary HUD 1 Inspection Report Repair Summary Estimates for all work needed Photos Market Analysis

On behalf of Mr and Mrs Carlton, I humbly request that IndyMac accept this offer so we can move towards closing and avoid another foreclosure. Thank you in advance for your consideration. Sincerely, %U\DQW 7XWDV Bryant Tutas Broker 407-873-2747

DocuSign Envelope ID: D6338460-EFE1-4737-BF2F-A678E0386665

AS IS Residential Contract For Sale And Purchase

THIS FORM HAS BEEN APPROVED BY THE FLORIDA REALTORS AND THE FLORIDA BAR
1* 2* 3 4 5 6 7* 8* 9* 10* 11 12 13 14 15 16 17*

Cole Carlton and Melanie Carlton PARTIES: ("Seller"), Stephanie Whittemore and ("Buyer"), agree that Seller shall sell and Buyer shall buy the following described Real Property and Personal Property (collectively Property) pursuant to the terms and conditions of this AS IS Residential Contract For Sale And Purchase and any riders and addenda (Contract): 1. PROPERTY DESCRIPTION: 1410 BASS BLVD, DUNEDIN, FL 34698 (a) Street address, city, zip: PINELLAS (b) Property isis located in: _________________ Florida. Real Property Tax ID No: Tax27-28-15-48744-001-0040 Property located in:________________ County, County, Florida. Real Property ID No: (c) Legal description of the Real Property: LAKESIDE TERRACE SUB BLK A LOT 4
together with all existing improvements and fixtures, including built-in appliances, built-in furnishings and attached wall-to-wall carpeting and flooring (Real Property) unless specifically excluded below. (d) Personal Property: The following items owned by Seller and existing on the Property as of the date of the initial offer are included in the purchase (Personal Property): (i) range(s)/oven(s), dishwasher(s), disposal, ceiling fan(s), intercom, light fixtures, rods, draperies and other window treatments, garage door openers, and security gate and other access devices; and (ii) those additional items checked below. If additional details are necessary, specify below. If left blank, the item below is not included:
Refrigerator(s) Microwave oven Washer Dryer Stand-alone ice maker Smoke detector(s) Security system Window/wall a/c Generator Pool barrier/fence Pool equipment Pool heater Spa or hot tub with heater Above ground pool Storage shed TV antenna/satellite dish Water softener/purifier Storm shutters and panels

18 19* 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*

The only other items of Personal Property included in this purchase, and any additional details regarding Personal Property, if necessary, are: na Personal Property is included in the Purchase Price, has no contributory value, and shall be left for the Buyer. (e) The following items are excluded from the purchase: na

80,000.00 70,765.00 2. PURCHASE PRICE (U.S. currency):.... $______________

1,000.00 (a) Initial deposit to be held in escrow in the amount of (checks subject to COLLECTION) $______________ The initial deposit made payable and delivered to Escrow Agent named below is to be made upon acceptance (Effective Date) (CHECK ONE): accompanies offer or or is to be made within _____ (if blank, then 3) days after Effective Date FIRST AMERICAN TITLE Escrow Agent Information: Name: 877-833-1731 Address: 1101 MIRANDA LN STE 101 KISSIMMEE FL 347 Phone: [email protected] 866-722-5957 E-mail: Fax: (b) Additional deposit to be delivered to Escrow Agent within _______ (if blank, then 3) days after Effective Date....$______________ (All deposits paid or agreed to be paid, are collectively referred to as the Deposit) 72,000.00 63,688.00 (c) Financing: Express as a dollar amount or percentage (Loan Amount) see Paragraph 8 ... ______________ (d) Other: ______________________________________________________________ $______________ 0 (e) Balance to close (not including Buyers closing costs, prepaids and prorations) by wire 7,000.00 6,077.00 transfer or other COLLECTED funds.$______________ NOTE: For the definition of COLLECTION or COLLECTED see STANDARD S. 3. TIME FOR ACCEPTANCE OF OFFER AND COUNTER-OFFERS; EFFECTIVE DATE: Jul 25, 2011 (a) If not signed by Buyer and Seller, and an executed copy delivered to all parties on or before ______________ ________________________, this offer shall be deemed withdrawn and the Deposit, if any, will be returned to Buyer. Unless otherwise stated, time for acceptance of any counter-offers shall be within 2 days after the day the counter-offer is delivered. (b) The effective date of this Contract will be the date when the last one of the Buyer and Seller has signed or initialed this offer or final counter-offer (Effective Date). 4. CLOSING DATE: Unless modified by other provisions of this Contract, the closing of this transaction shall occur and the closing documents required to be furnished by each party pursuant to this Contract shall be delivered 12-15-2011 OR BEFORE 10/28/11 (Closing) on _________________________ (Closing Date), at the time established by the Closing Agent.
___________ ___________ Page 1 of 10 Sellers Initials ___________ __________

Buyers Initials

FloridaRealtors/FloridaBar-ASIS-1 Rev. 6/10 2010 Florida Realtors and The Florida Bar. All rights reserved.

Settlement Statement (HUD-1)

A. Settlement Statement B. Type of Loan 1-5. Loan Type: Conv. Ins. 6. 7. 8. C.

OMB Approval No. 2502-0265

First American Title Insurance Company

Estimated Statement

File Number: 2027-2586726 Loan Number: Mortgage Insurance Case Number:

D. E. F.

Note: This form is furnished to give you a statement of actual settlement costs. Amounts paid to and by the settlement agent are shown. Items marked (POC) were paid outside this closing; they are shown here for informational purposes and are not included in the totals.

Name & Address of Borrower: Stephanie Whittemore

316 1/2 8th Ave. NE, Apt 1/2, St. Petersburg, FL 33701 1410 Bass Boulevard, Dunedin, FL 34698

Name & Address of Seller: Melanie Carlton, Cole Carlton Name & Address of Lender: Property Location: 1410 Bass Boulevard, Dunedin, FL 34698
(877)833-1731
I. Estimated Settlement Date: 12/15/2011 Print Date: 10/04/2011, 3:16 PM Disbursement Date: Signing Date:

G. H.

Settlement Agent: First American Title Insurance Company Address: 1101 Miranda Lane, Suite 101, Kissimmee, FL 34741 Place of Settlement Address: 1101 Miranda Lane, Suite 101, Kissimmee, FL 34741
J. Summary of Borrowers Transaction 100. Gross Amount Due from Borrower
101. Contract Sales Price 102. Personal property 103. Settlement charges to borrower (line 1400) 104. 105. 80,000.00 7,547.26

K. Summary of Sellers Transaction

401. Contract sales price 402. Personal property 403. Total Deposits 404. 405. 406. City/town taxes 407. County taxes 408. Assessments 409. 410. 411. 412. 413. 414. 415.

400. Gross Amount Due to Seller

80,000.00

Adjustments for items paid by seller in advance

106. City/town taxes 107. County taxes 108. Assessments 109. 110. 111. 112. 113. 114. 115.

Adjustments for items paid by seller in advance

120. Gross Amount Due from Borrower 200. Amounts Paid by or on Behalf of Borrower
201. 202. 203. 204. 205. 206. 207. 208. 209. *Deposit or earnest money Principal amount of new loan(s) Existing loan(s) taken subject **Credit Buyer Owner's Policy **Credit Buyer Documentary Stamps 3% Seller Contribution

87,547.26
1,000.00 63,688.00 539.50 560.00 2,400.00

501. 502. 503. 504. 505. 506. 507. 508. 509.

420. Gross Amount Due to Seller 500. Reductions In Amount Due to Seller

80,000.00

Excess deposit (see instructions) Settlement charges to seller (line 1400) Existing loan(s) taken subject Payoff of first mortgage loan to IndyMac Bank Payoff of second mortgage loan IndyMac **Credit Buyer Documentary Stamps on Deed **Credit Buyer Owner's Policy 3% Seller Contribution

2,810.00
68,996.62 71,496.62 2,500.00

560.00 539.50 2,400.00

Adjustments for items unpaid by seller

210. City/town taxes 211. County taxes 01/01/11 to 12/15/11 @$2301.05/yr 212. Assessments 213. 214. 215. 216. 217. 218. 219. 2,193.88

Adjustments for items unpaid by seller

510. City/town taxes 511. County taxes 01/01/11 to 12/15/11 @$2301.05/yr 512. Assessments 513. 514. 515. 516. 517. 518. 519. 2,193.88

220. Total Paid by/for Borrower 300. Cash at Settlement from/to Borrower
301. Gross amount due from borrower (line 120) 302. Less amounts paid by/for borrower (line 220)

70,381.38
87,547.26 70,381.38

520. Total Reduction Amount Due Seller 600. Cash at Settlement to/from Seller
601. Gross amount due to seller (line 420) 602. Less reductions in amounts due seller (line 520)

80,000.00
80,000.00 80,000.00

303. Cash (X From) ( To) Borrower

Previous editions are obsolete. * See Supplemental Page for details.

17,165.88
** Paid on Behalf of Borrower.

603. Cash ( To) ( From) Seller

POC-B (Borrower); POC-S (Seller); POC-L (Lender); POC-MB (Mortgage Broker).

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 Page 1 provide the parties to a RESPA covered transaction with information during the settlement process.

X X X NEED TO REGRADE AND FILL X X X X X X X 4"

X X X X X

STUCCO NEED SEALED AND PAINT WOOD ROT EXTENSIVE ALL WINDOWS NOT TO CODE NEED REPLACED BROKEN GLASS SLIDER,BROKEN SEALS NEED REPLACED

X X X X

X 1.5 X X X X X X X X N/A N/A X X X X X X

X X X X X X

MODIFIED ROOF SYSTEM BEYOND LIFE NEED CHIMNEY SWEEP PRIOR TO LOG BURNING N/A N/A SCREENS TORN AND MISSING WOOD DAMAGE AROUND ENTIRE PERIMETER N/A N/A 1X10 LUMBER MULTIPLE AREAS DAMAGED

2X6 CONVENTIONAL FRAMING DAMAGED WITH NO HURRICANE MITIGATION DONE, STRAPS, CLIPS OR BRACING. N/A

X X X

X X LAMINATE FLOORING X 1 N/A X X X X

X X X X

NEED REFINISH AND PAINT NEED REFINISH AND PAINT NEED TO REPLACE LAMINATE CURLING AND BUCKLING, TERRAZZO AND TILE NEED CLEANING NEED TO REWORK CLOSERS AND REPLACE HAND SETS MISSING AND BROKEN WATER DAMAGE TILE AND GROUT NEEDS CLEANING NEEDS REMOVED AND REPLACED N/A NEEDS SOME WORK HINGES,LOCKS AND PAINT CAULKING AND CLEAN TILE AND GROUT NEED CLEANING EXAUST FAN FOR STOVE NEEDS REPLACED DO NOT USE UNTIL CHIMNEY SWEEP IS PERFORMED REPLACE WITH NEW DRYER

X X X X X X X X X X

X X

X GLASS FIBER DUCT X

X X X

X X

X X X

X X X X X 20 1 X X X

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Ray Woods Construction Co. Inc.

Contractor License No. CBC 058759 Roofing License No. CCC1329029 Additions Bath & Kitchen Remodeling Roofing New & Repairs

29770 Seacol Street Clearwater, FL 33761 Hillsborough (813) 931-1201 Pinellas (727) 400-6746 Fax (727) 400-6748 Cell (813) 363-7693

Contract/Proposal
Customer: Stephanie Whittemore 1410 Bass Blvd. Dunedin, FL 34698 (727) 742-0960 [email protected]

Date: 10-04-11 WE PROPOSE TO FURNISH THE MATERIAL AND LABOR NECESSARY FOR THE COMPLETION OF THE FOLLOWING: ROOF REPLACEMENT: 1. To remove approximately 19 squares of existing gravel roof and 7 squares of flat deck roof. Also, remove any rotten wood as needed. 2. Any damaged or rotten wood will be included up to 2 sheets of plywood, if more than 2 sheets are needed, it will be an additional $2.00 per sq. ft. 3. Install approximately 20 squares of new peel & stick underlayment. 4. Install new drip edge around perimeter of roof. 5. Install approximately 19 squares of new modified torch roofing over new peel & stick. 6. Install new plumbing lead boots and GRVs as needed. 7. Same as above on flat roof approximately 7 squares. 8. Repair existing drywall patch on the ceiling approximately 8 wide by 8 long, texture, prime and paint to match existing as close as possible. 9. Contractor responsible for permits and inspections. 10. Run magnet at completion of job and haul away debris. 11. 5 year labor and material warranty both with manufactures pro-rated warranty on roofing products included in price. 12. 10 year labor and material warranty both with manufactures pro-rated warranty on roofing products using double layer peel & stick water barrier underlayment. Price: $1,300.00.

Price as Quoted: $10,430.00 50% at start: $5,215.00 Balance on completion with customers satisfaction: $5,215.00 All material is guaranteed to be as specified. All work to be completed in a workmanlike manner according to standard practices. Any alteration or deviation from above specifications involving extra costs will be executed only upon written orders and will become an extra charge over and above the estimate. This agreement is contingent upon strikes, accidents, or delays beyond our control. Owner to carry fire: flood, tornado and other necessary insurance. Our workers are fully covered by workers compensation insurance. All work described is considered a base bid, unless otherwise noted. Existing conditions unknown to the contractor prior to the commencement of the work, and/or conditions created from normal construction practices after commencement of the work, where construction assemblies have to be altered, modified or repaired from that shown in these documents and/or existing hidden materials contain pre-existing damage or rot which necessitates their replacement for structural, life safety or weather tightness reasons. Contractor shall submit an estimate in writing for compensation for reasonable costs to the owner for approval prior to proceeding. Contractor is not responsible for replacing lawn, landscaping, or irrigation equipment or systems. Acceptance of Contract/Proposal: The above prices, specifications, and conditions are satisfactory and hereby accepted. You are authorized to do the work as specified. Signing of this document converts this proposal to a legal contract between contractor and customer. Customer Signature:_____________________________________________ Date of Acceptance:___________________

Thank you for your business, Ray Woods Ray Woods Construction Co. Inc.

2388 Timbercrest Circle South Clearwater, FL. 33763 Fl. Lic. # CBC 059057

Estimate
Date 10/2/2011 Estimate # 152

Name / Address Stephanie Whittemore 1410 Bass Blvd. Dunedin, Fl. 34698

Project

Description Building Permits Dumpster fees Demo: Gut bath room to the wall studs and expand into adjacent bedroom closet. Plumbing: Remove tub and expand into new area with a walk in shower using the Schluter shower system. New vanity, toilet, tile, exhaust fan, medicine cabinet, sink, granite tops and frameless shower door. Frame up new wall and finish on the bedroom side where shower comes to and relocate AC drain line Overhead and Profit

Qty

Total 350.00 525.00 1,140.00 7,235.00

480.00 2,432.50

Looking forward to working with you.

Total
E-mail [email protected]

$12,162.50

Phone # 727-946-4754

Fax # 727-799-9915

2388 Timbercrest Circle South Clearwater, FL. 33763 Fl. Lic. # CBC 059057

Estimate
Date 10/2/2011 Estimate # 151

Name / Address Stephanie Whittemore 1410 Bass Blvd. Dunedin, Fl. 34698

Project

Description Demo: Scrape and remove approximately 300 SF of popcorn ceiling in family room. Ceiling is painted and will require a skim coat of drywall mud. Open ceiling in a couple of places to move electrical boxes for ceiling fans and add a electric box in dining room ceiling. Patch and texture family room ceiling. Overhead and Profit

Qty

Total 2,410.00

602.25

Looking forward to working with you.

Total
E-mail [email protected]

$3,012.25

Phone # 727-946-4754

Fax # 727-799-9915

 


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http://mfr.imapp.com/ilinks/property?upin=US12103272815487440010040&report=comp... 10/5/2011

BPO Dispute Sample 2

TUTAS TOWNE REALTY, INC

628 Grand Canal Dr Poinciana FL 34759 PH: 407-873-2747 FX: 407-358-5472 www.CentralFloridaShortSales.com and www.TutasTowneRealty.com Email: [email protected] ======================================================

Market Analysis 3940 Polk City Rd Haines City Fl 33844

29 July 2011 To whom it may concern, This property has been on the market since December 2006. At that time is was placed on the market at $574,900. During the next 4 years the price was slowly reduced to $329,000 on 15 September 2009. During this 4 year period there were a total of 2 showings! In January 2011 the Hogues hired my company to list and sell their property. At that time and based on current market conditions I had valued the property at $225,000. However, we listed the property at $250,000 to try and achieve the highest price possible. Even at this price the market rejected the property. In February the price was reduced to $225,000 and then reduced once again to $200,000 in March of 2011. Finally we reached a price point where the market took interest in the property. We had 7 good showings during this time. 3 offers were received. The first was a verbal cash offer of $100,000 with of course was rejected outright. The second was for $150,000. We countered at a price of $185,000 and the

buyer walked. The third offer came in at $165,000. We were able to settle on a price at $175,000. This is the contract that was submitted with the short sale request. This is a very unique property and is difficult to price. However the BPO price of $314,000 is way out of line. Difficulties with the property are: 1. Location. It is right down the street from a newer development that has been experiencing a tremendous amount of foreclosures and short sales. (MLS data attached) 2. Properties of this size are selling for on average $66.88 per sq ft. The $314,000 price is at $105.95 per sq ft (analysis attached) 3. Even though the property shows as being on 3.55 acres 65% of that is literally in the lake and has no value. (lot plan attached) So based on this information we humbly suggest that a new evaluation is ordered. Please feel free to contact me if you require any additional information. Sincerely,

%U\DQW 7XWDV
Bryant Tutas Broker Owner Tutas Towne Realty, Inc 407-873-2747 [email protected]

Property History View

MLS# Status P.Type-County #P4594462 ACT RES-PK #P4594462 EXP RES-PK #P4594462 ACT RES-PK #S4620232 ACT RES-PK #P4594462 EXP RES-PK #S4620232 ACT RES-PK #S4620232 EXP RES-PK #P4600917 ACT RES-PK #P4600917 ACT RES-PK #P4600917 ACT RES-PK #P4600917 ACT RES-PK #P4600917 TOM RES-PK #P4600917 ACT RES-PK #P4600917 WDN RES-PK 12/08/10 329,000 05/15/10 329,000 04/14/10 329,000 09/15/09 329,000 02/12/09 397,000 08/11/08 439,000 02/15/08 469,000 10/31/07 485,000 08/15/07 485,000 06/18/07 574,900 04/20/07 529,000 03/28/07 574,900 03/18/07 574,900 Change Date 12/19/06 List Price orAddress Sold Price Tax ID 574,900 3940 POLK CITY RD 13 27 26 000000 021040 3940 POLK CITY RD 13 27 26 000000 02104090 3940 POLK CITY RD 13 27 26 000000 02104090 3940 POLK CITY RD 13 27 26 000000 021040 3940 POLK CITY RD 13 27 26 000000 021040 123 3940 POLK CITY RD 13 27 26 000000 021040 118 3940 POLK CITY RD 13 27 26 000000 021040 195 3940 POLK CITY RD 13 27 26 000000 021040 3940 POLK CITY RD 13 27 26 000000 021040 178 3940 POLK CITY RD 13 27 26 000000 021040 363 3940 POLK CITY RD 13 27 26 000000 021040 578 3940 POLK CITY RD 13 27 26 000000 021040 789 3940 POLK CITY RD 13 27 26 000000 021040 789 3940 POLK CITY RD 13 27 26 000000 021040027 1 4 02/15/08 4 02/15/08 4 02/15/08 4 02/15/08 4 02/15/08 4 02/15/08 4 02/15/08 4 04/19/07 4 04/19/07 4 12/18/06 4 04/19/07 4 12/18/06 4 12/18/06 Area Bedrms List Date Mkt.Time SqFt 4 12/18/06 Zip Code City 33844 HAINES CITY 33844 HAINES CITY 33844 HAINES CITY 33844 HAINES CITY 33844 HAINES CITY 33844 HAINES CITY 33844 HAINES CITY 33844 HAINES CITY 33844 HAINES CITY 33844 HAINES CITY 33844 HAINES CITY 33844 HAINES CITY 33844 HAINES CITY 33844 HAINES CITY Office Agent REFINED REALTY RESOURCES CHAD HATTON REFINED REALTY RESOURCES CHAD HATTON REFINED REALTY RESOURCES CHAD HATTON HEART OF FLORIDA REALTY GLORIA RIPPER REFINED REALTY RESOURCES CHAD HATTON HEART OF FLORIDA REALTY GLORIA RIPPER HEART OF FLORIDA REALTY GLORIA RIPPER WEBBS REALTY HUGHBERT KING JOHN WEBB INC HUGHBERT KING JOHN WEBB INC HUGHBERT KING JOHN WEBB INC HUGHBERT KING JOHN WEBB INC LOUIE KING JOHN WEBB INC LOUIE KING JOHN WEBB INC LOUIE KING

Copyright

2011

My Florida Regional MLS, Information Deemed reliable but not guaranteed.

29-Jul-11

Property History View

MLS# Status P.Type-County #S4681114 ACT RES-PK #S4681114 PH RES-PK #S4681114 ACT RES-PK #S4681114 ACT RES-PK #S4681114 PNC RES-PK 04/07/11 200,000 03/14/11 200,000 02/23/11 225,000 01/28/11 26 27 13 000000 021040 3940 POLK CITY RD 26 27 13 000000 02104026 3940 POLK CITY RD 26 27 13 000000 02104045 3940 POLK CITY RD 26 27 13 000000 02104069 4 01/28/11 4 01/28/11 4 01/28/11 33844 HAINES CITY 33844 HAINES CITY 33844 HAINES CITY TUTAS TOWNE REALTY BRYANT TUTAS TUTAS TOWNE REALTY BRYANT TUTAS TUTAS TOWNE REALTY BRYANT TUTAS Change Date 01/28/11 List Price orAddress Sold Price Tax ID 250,000 3940 POLK CITY RD 26 27 13 000000 021040 01/28/11 Area Bedrms List Date Mkt.Time SqFt 4 01/28/11 Zip Code City 33844 HAINES CITY Office Agent TUTAS TOWNE REALTY BRYANT TUTAS

Copyright

2011

My Florida Regional MLS, Information Deemed reliable but not guaranteed.

20-Jul-11

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Address: 904 KENBAR AVE, HAINES CITY, 33844 Asking Price: $101,900 Listed: 03/08/11 Sold Price: $101,900 Subdivision: RANDA RIDGE PH 1 Bedrooms: 4 Baths: 3/ 1 SqFt Htd: 2,980 per Public records Year Built: 2005 Total Acreage Up to 10889 Sq. Ft. Taxes: $2,171 Garage: 2 Car Garage Pool: Water: Offered for sale by: DOROTHY BUSE, COLDWELL BANKER ACKLEY REALTY 407-846-4040 MLS#:S4682686 Sold by: KATHY JARDIM with COLDWELL BANKER RESIDENTIAL RE on 07/15/11 for $101,900.00 Status: SLD ADOM: 47 CDOM: 187 DTC: 86 List Price/SqFt: $34.19 Sold price/Sqft: $34.19 Address: 307 VILLA SORRENTO CIR, HAINES CITY, 33844 Asking Price: $152,000 Listed: 04/29/11 Sold Price: $152,000 Subdivision: VILLA SORRENTO Bedrooms: 4 Baths: 3/ 0 SqFt Htd: 2,931 per Public records Year Built: 2006 Total Acreage Up to 10889 Sq. Ft. Taxes: $3,763 Garage: 2 Car Garage Pool: Gunite/Concrete,Heated Pool,In Ground Water: Offered for sale by: STEVEN BEAULIEU, THE BLUE GROUP 954-581-8451 MLS#:R4596268 Sold by: KIM NIGRELLI with EXIT REALTY COZY HOMES on 07/08/11 for $152,000.00 Status: SLD ADOM: 7 CDOM: 7 DTC: 7 List Price/SqFt: $51.86 Sold price/Sqft: $51.86 Address: 1644 DUNES CT., HAINES CITY, 33844 Asking Price: $212,250 Listed: 03/29/11 Sold Price: $200,000 Subdivision: SOUTHERN DUNES ESTS Bedrooms: 6 Baths: 4/ 1 SqFt Htd: 2,827 per Owner Provided Year Built: 1999 Total Acreage 1/4 Acre to 21779 Sq. Ft. axes: $3,842 T Garage: 2 Car Garage Pool: Gunite/Concrete,Heated Pool,Heated Spa Water: Offered for sale by: KELLY SNARE, LUXURY TEAM OF FLORIDA RE GRP 800-246-5707 MLS#:S4683478 Sold by: MARK SHORE with BRITISH HOME SALES FLORIDA, IN on 07/06/11 for $200,000.00 Status: SLD ADOM: 98 CDOM: 278 DTC: 98 List Price/SqFt: $75.08 Sold price/Sqft: $70.75 Address: 512 PINELOCH DR, HAINES CITY, 33844 Asking Price: $249,000 Listed: 04/22/11 Sold Price: $225,000 Subdivision: CALABAY PARC AT TOWER LAKE Bedrooms: 6 Baths: 4/ 2 SqFt Htd: 2,739 per Public records Year Built: 2006 Total Acreage Up to 10889 Sq. Ft. Taxes: $3,380 Garage: 2 Car Garage Pool: Gunite/Concrete,In Ground,Screen Enclosure Water Access (TOWER LAKE) Water: Lake, Offered for sale by: ROBERT ANARUMO, REALTY INTERNATIONAL LLC 863-424-9999 MLS#:O5041156 Sold by: GW WALMSLEY with MY FLORIDA PROPERTY STORE LLC on 06/24/11 for $225,000.00 Status: SLD ADOM: 47 CDOM: 47 DTC: 47 List Price/SqFt: $90.91 Sold price/Sqft: $82.15 Address: 309 CHEROKEE AVE, HAINES CITY, 33844 Asking Price: $179,900 Listed: 05/04/11 Sold Price: $179,900 Subdivision: CALABAY PARC AT TOWER LAKE Bedrooms: 5 Baths: 4/ 0 SqFt Htd: 2,755 per Public records Year Built: 2006 Total Acreage Up to 10889 Sq. Ft. Taxes: $3,436 Garage: 2 Car Garage Pool: In Ground,Screen Enclosure, Water: Offered for sale by: LORI ROBERTS, REAL ESTATE INVESTMENT & ASSET 863-299-3800 MLS#:P4616331 Sold by: JAMES MCCARTHY with MY FLORIDA PROPERTY STORE LLC on 05/31/11 for $179,900.00 Status: SLD ADOM: 13 CDOM: 13 DTC: 13 List Price/SqFt: $65.30 Sold price/Sqft: $65.30 Address: 110 MINNIEHAHA CIR, HAINES CITY, 33844 Asking Price: $249,427 Listed: 03/27/11 Sold Price: $224,000 Subdivision: CALABAY PARC AT TOWER LAKE Bedrooms: 5 Baths: 4/ 0 SqFt Htd: 2,689 per Public records Year Built: 2006 Total Acreage Up to 10889 Sq. Ft. Taxes: $3,378 Garage: 2 Car Garage Pool: Child Safety Fence,Gunite/Concrete,Heated Pool Water: Offered for sale by: CARMEN RIVERA, PROPERTY SHOP UNLIMITED INC 407-369-8213 MLS#:S4683383 Sold by: CHERYL LAYMON with BARDELL REAL ESTATE on 05/27/11 for $224,000.00 Status: SLD ADOM: 27 CDOM: 27 DTC: 27 List Price/SqFt: $92.76 Sold price/Sqft: $83.30

Copyright

2011

My Florida Regional MLS, Information is believed to be accurate but not guaranteed.

07/29/2011

1:13 PM

Address: 234 MINNIEHAHA CIR, HAINES CITY, 33844 Asking Price: $269,900 Sold Price: $250,000 Subdivision: CALABAY PARC AT TOWER LAKE PH 2Listed: 01/17/11 Bedrooms: 5 Baths: 4/ 0 SqFt Htd: 2,781 per Public records Year Built: 2007 Total Acreage Up to 10889 Sq. Ft. Taxes: $3,459 Garage: 2 Car Garage Pool: Child Safety Fence,Gunite/Concrete,Heated Pool Water: Offered for sale by: GERALDINE ANARUMO, REALTY INTERNATIONAL LLC 863-424-9999 MLS#:G4669132 Sold by: ROBERT ANARUMO with REALTY INTERNATIONAL LLC on 05/23/11 for $250,000.00 Status: SLD ADOM: 88 CDOM: 88 DTC: 88 List Price/SqFt: $97.05 Sold price/Sqft: $89.90 Address: 304 CHEROKEE AVE, HAINES CITY, 33844 Asking Price: $229,950 Listed: 01/21/11 Sold Price: $212,000 Subdivision: CALABAY PARC AT TOWER LAKE Bedrooms: 6 Baths: 5/ 1 SqFt Htd: 2,739 per Public records Year Built: 2006 Total Acreage Up to 10889 Sq. Ft. Taxes: $3,336 Garage: 2 Car Garage Pool: In Ground,Gunite/Concrete,Screen Enclosure Water: Offered for sale by: JAMES DONOVAN, TEAM DONOVAN 407-705-2616 MLS#:S4680862 Sold by: MARCIA VALLADARES with DOMINIUM REALTY GROUP LLC on 05/02/11 for $212,000.00 Status: SLD ADOM: 59 CDOM: 59 DTC: 63 List Price/SqFt: $83.95 Sold price/Sqft: $77.40 Address: 3134 MONTSERRAT WAY, HAINES CITY, 33844 Asking Price: $159,000 Listed: 03/22/11 Sold Price: $148,000 Subdivision: KOKOMO BAY PH 1 Bedrooms: 6 Baths: 4/ 1 SqFt Htd: 2,825 per Public records Year Built: 2003 Total Acreage Up to 10889 Sq. Ft. Taxes: $4,169 Garage: 2 Car Garage Pool: In Ground, Water: Offered for sale by: LORI ROBERTS, REAL ESTATE INVESTMENT & ASSET 863-299-3800 MLS#:P4615829 Sold by: LORI ROBERTS with REAL ESTATE INVESTMENT & ASSET on 04/29/11 for $148,000.00 Status: SLD ADOM: 3 CDOM: 3 DTC: 3 List Price/SqFt: $56.28 Sold price/Sqft: $52.39 Address: 509 PINELOCH DR, HAINES CITY, 33844 Asking Price: $177,900 Listed: 04/05/11 Sold Price: $177,000 Subdivision: CALABAY PARC AT TOWER LAKE Bedrooms: 5 Baths: 4/ 0 SqFt Htd: 2,715 per Public records Year Built: 2006 Total Acreage Up to 10889 Sq. Ft. Taxes: $3,389 Garage: 2 Car Garage Pool: In Ground,Screen Enclosure, Water: Offered for sale by: JOE FERNANDEZ, BAY VISION REALTY, INC 407-681-7709 MLS#:O5038288 Sold by: BEATRIZ ZUCCARO with Y US REALTY SERVICES LLC on 04/27/11 for $177,000.00 Status: SLD ADOM: 20 CDOM: 20 DTC: 20 List Price/SqFt: $65.52 Sold price/Sqft: $65.19 Address: 229 MINNIEHAHA CIR, HAINES CITY, 33844 Asking Price: $165,000 Sold Price: $165,000 Subdivision: CALABAY PARK AT TOWER LAKE PH 2 Listed: 01/04/11 Bedrooms: 5 Baths: 4/ 1 SqFt Htd: 2,542 per Public records Year Built: 2007 Total Acreage Up to 10889 Sq. Ft. Taxes: $3,265 Garage: 2 Car Garage Pool: Child Safety Fence,Gunite/Concrete,Heated Pool LAKE) Water: (TOWER Offered for sale by: ROBERT ANARUMO, REALTY INTERNATIONAL LLC 863-424-9999 MLS#:O5023259 Sold by: DAVID ROBERTSON with DOLBY PROPERTIES INC. on 04/08/11 for $165,000.00 Status: SLD ADOM: 63 CDOM: 63 DTC: 63 List Price/SqFt: $64.91 Sold price/Sqft: $64.91 Address: 507 PINELOCH DR, HAINES CITY, 33844 Asking Price: $179,900 Listed: 01/12/11 Sold Price: $175,000 Subdivision: CALABAY PARC AT TOWER LAKE Bedrooms: 5 Baths: 4/ 0 SqFt Htd: 2,681 per Public records Year Built: 2006 Total Acreage Up to 10889 Sq. Ft. Taxes: $3,371 Garage: 2 Car Garage Pool: In Ground,Screen Enclosure,Gunite/Concrete Water: Offered for sale by: WAYNE CAMPBELL, SOUTHERN INVESTMENTS REALTY 863-419-9010 MLS#:P4615041 Sold by: JAMES MCCARTHY with MY FLORIDA PROPERTY STORE LLC on 03/18/11 for $175,000.00 Status: SLD ADOM: 23 CDOM: 23 DTC: 23 List Price/SqFt: $67.10 Sold price/Sqft: $65.27

Copyright

2011

My Florida Regional MLS, Information is believed to be accurate but not guaranteed.

07/29/2011

1:13 PM

Address: 4520 E HINSON AVE, HAINES CITY, 33844 Asking Price: $110,000 Listed: 04/26/11 Sold Price: Subdivision: NONE Bedrooms: 4 Baths: 2/ 0 SqFt Htd: 2,773 per Public records Year Built: 2003 Total Acreage Two + to Five Acres Taxes: $754 Garage: None Pool: Water: Offered for sale by: BETSY LEVERETT, CENTURY 21 AT YOUR SERVICE 863-676-4448 MLS#:P4616291 Status: ACT ADOM: 94 CDOM: 94 List Price/SqFt: $39.67 --

Address: 127 PENINSULAR AVE, HAINES CITY, 33844 Asking Price: $120,000 Listed: 06/17/11 Sold Price: Subdivision: LAKE PARK Bedrooms: 4 Baths: 1/ 1 SqFt Htd: 2,844 per Public records Year Built: 1925 Total Acreage 1/4 Acre to 21779 Sq. Ft. axes: $987 T Garage: 2 Car Garage Pool: Water: Offered for sale by: LUIS VELEZ, CENTURY 21 REAL ESTATE PROFESS 407-566-0555 MLS#:S4686162 Status: ACT ADOM: 42 CDOM: 42 List Price/SqFt: $42.19 --

Address: 716 GARNETTE AVE, HAINES CITY, 33844 Asking Price: $129,900 Listed: 06/27/11 Sold Price: Subdivision: RANDA RIDGE PH 1 Bedrooms: 4 Baths: 3/ 1 SqFt Htd: 2,980 per Public records Year Built: 2005 Total Acreage Up to 10889 Sq. Ft. Taxes: $2,171 Garage: 2 Car Garage Pool: Water: Offered for sale by: ASHA SINGH, GLOBAL SERVICES REALTY LLC 321-206-1990 MLS#:O5051442 Status: ACT ADOM: 32 CDOM: 32 List Price/SqFt: $43.59 --

Address: 138 MILESTONE DR, HAINES CITY, 33844 Asking Price: $135,900 Listed: 07/28/11 Sold Price: Subdivision: STONEWOOD CROSSINGS PH 1 Bedrooms: 4 Baths: 3/ 0 SqFt Htd: 2,980 per Public records Year Built: 2006 Total Acreage Up to 10889 Sq. Ft. Taxes: $3,251 Garage: 2 Car Garage Pool: Water: Offered for sale by: PAULINE CAMERON, GOLD STAR REALTY & MANAGEMENT 407-363-4827 MLS#:S4687531 Status: ACT ADOM: 1 CDOM: 1 List Price/SqFt: $45.60 --

Address: 124 SCENIC HWY, HAINES CITY, 33844 Asking Price: $145,900 Listed: 04/13/11 Sold Price: Subdivision: DAUGHERTYS Bedrooms: 6 Baths: 2/ 1 SqFt Htd: 2,826 per Public records Year Built: 1953 Total Acreage 1/4 Acre to 21779 Sq. Ft. axes: $1,877 T Garage: 1 Car Garage Pool: Water: Offered for sale by: TRACY HOLMES, KELLER WILLIAMS REALTY OF WH 863-508-3000 MLS#:P4616145 Status: ACT ADOM: 107 CDOM: 107 List Price/SqFt: $51.63 --

Address: 1536 GULF VUE DR, HAINES CITY, 33844 Asking Price: $199,950 Listed: 05/12/11 Sold Price: Subdivision: SOUTHERN DUNES Bedrooms: 5 Baths: 4/ 0 SqFt Htd: 2,935 per Public records Year Built: 2000 Total Acreage Up to 10889 Sq. Ft. Taxes: $5,001 Garage: 3 Car Garage Pool: In Ground,Gunite/Concrete,Screen Enclosure Water: Offered for sale by: JAMES DONOVAN, TEAM DONOVAN 407-705-2616 MLS#:S4684943 Status: ACT ADOM: 56 CDOM: 56 List Price/SqFt: $68.13 --

Copyright

2011

My Florida Regional MLS, Information is believed to be accurate but not guaranteed.

07/29/2011

1:13 PM

Address: 136 MINNIEHAHA CIR, HAINES CITY, 33844 Asking Price: $269,900 Sold Price: Subdivision: CALABAY PARK AT TOWER LAKE PH 2 Listed: 03/28/11 Bedrooms: 5 Baths: 4/ 0 SqFt Htd: 2,755 per Public records Year Built: 2006 Total Acreage Up to 10889 Sq. Ft. Taxes: $3,436 Garage: 2 Car Garage Pool: Gunite/Concrete,Screen Enclosure,Heated Spa Water: Lake, Water Access (TOWER LAKE) Offered for sale by: GERALDINE ANARUMO, REALTY INTERNATIONAL LLC 863-424-9999 MLS#:G4671457 Status: ACT ADOM: 122 CDOM: 122 List Price/SqFt: $97.97 --

Address: 308 CHEROKEE AVE, HAINES CITY, 33844 Asking Price: $280,000 Listed: 05/20/11 Sold Price: Subdivision: CALABAY PARC AT TOWER LAKE Bedrooms: 5 Baths: 4/ 1 SqFt Htd: 2,773 per Public records Year Built: 2006 Total Acreage Up to 10889 Sq. Ft. Taxes: $3,449 Garage: 2 Car Garage Pool: Gunite/Concrete,Heated Pool,Heated Spa Water: Offered for sale by: TERRY TEAMAN, ALL SHORES REAL ESTATE 863-424-2100 MLS#:O5045574 Status: ACT ADOM: 70 CDOM: 70 List Price/SqFt: $100.97 --

Copyright

2011

My Florida Regional MLS, Information is believed to be accurate but not guaranteed.

07/29/2011

1:13 PM

Market Analysis Report

Property Type: Residential Active Listings = 8 Beds High Low Average Median 6 4 5 5 Full Baths 4 1 3 3 Sq Ft Heated 2,980 2,755 2,858 2,835 List Price $280,000 $110,000 $173,944 $140,900 LP/SqFt $100.97 $39.67 $61.22 $48.62 Sold Price $0 $0 $0 $0 SP/SqFt $0 $0 $0 $0 SP/LP Ratio 0 0 0 0 Days to Days to Contract Closed 0 0 0 0 0 0 0 0 Status: Active, Sold Number of Properties: 20

Sold Listings = 12 Beds High Low Average Median 6 4 5 5 Full Baths 5 3 4 4 Sq Ft Heated 2,980 2,542 2,767 2,747 List Price $269,900 $101,900 $193,844 $179,900 LP/SqFt $97.05 $34.19 $70.41 $66.31 Sold Price $250,000 $101,900 $184,150 $178,450 SP/SqFt $89.9 $34.19 $66.88 $65.29 SP/LP Ratio 100 90 96 96 Days to Days to Contract Closed 98 129 3 45 37 22 75 68

TOTAL Listings = 20 Beds High Low Average Median 6 4 5 5 Full Baths 5 1 4 4 Sq Ft Heated 2,980 2,542 2,804 2,777 List Price $280,000 $101,900 $185,884 $178,900 LP/SqFt $100.97 $34.19 $66.73 $65.41 Sold Price $250,000 $101,900 $184,150 $178,450 SP/SqFt $89.9 $34.19 $66.88 $65.29 SP/LP Ratio 100 90 96 96 Days to Days to Contract Closed 98 3 45 37 129 22 75 68

Search Criteria Status City Beds Sq Ft Heated Entry Date Group By ACT , SLD starts with haines city between 4 between 2,500 - 3,500 between 1/1/2011 Status

Report time: 7/29/2011 1:21 PM