ENCUMBRANCES TO ALABAMA REAL PROPERTY A]\ID THE

ENCUMBRANCES TO ALABAMA REAL PROPERTY
A]\ID THE TITLE INSURANCE POLICY
MASTON E. MARTIN, JR., J.D., FCSR
STEWART TITLE GUARNTY COMPANY
JUNE, 2OO5AGENT SEMINAR
Introduction - Black's Law Dictionery (8h ed.2}M),provides this definition of the term
encumbrance: "encumbrance, n. A claim or liability that is attached to property or some
other right and that may lessen its value, such as a lien or mortgage; any property right
that is not an ownership interest." See also, Ala. Code $ 7-9A-102(a)(32) (defining
encumbranceto include liens).
The point of this presentation is to review a few of the various encumbrancesto title
commonly encounteredin Alabama and to discuss considerationsof these encumbrances
in regard to the title insurancepolicy.
Mgchanics' and Material Liens. Encumbriilrces arising from mechanics and material
liens are a major source of claims industry-wide; however; such liens pose a significant
risk in the case of policies issued in Alabama offering coverage for such liens due to the
fact that these liens may have priority, without record notice at the time of the search and
policy date. The following discussion is an overview of the statute providing for these
Iiens; however, this discussion is not intended to addressthe details but only to highlight
various aspects. The significant point is to be aware of and to respond properly to the
information available regarding potential liens arising from construction improvements to
property to be insured.
Ala. Code S 35-l l-210 grants a lien to every mechanic, person, firm or corporation who
shall perform any work or labor or furnish any material for any building or improvement
on land. The lien in favor of the mechanic or materialrnen attaches and is created at the
time of the initial contribution of the labor or materials that is the subject of the lien,
although the action to perfect and enforce the lien may not be brought for six months.
The lien relates back when the verified statement of lien and action to perfect the lien are
filed. A judicial determination is required to establish priority of the lien over the
mortgage and subsequentlyfiled liens.
The lien may be either a frrll price or unpaid balancelien under AIa Code $ 35-l l-210. A
full price lien is created when there is either a contract between the lien claimant and the
owner of the property or if prior notice is given to the owner in accordance with the
statute. If the owner has entered a contract or prior notice has been given to the owner
without the owner's objection, the owner is liable for the firll price for any unpaid debts
for work, labor or materials used in construction of the improvement. The unpaid balance
Iien arises if there is no contract between the lien claimant and the owner and no prior
notice was given to the owner. If the lien claimant gives notice after the contribution is
made that an amount is due and owing by the original contractor, then the lien claimant
has a lien on the land of the owner to the extent of any unpaid balance due the original
contractor under the contract with the owner.
Ala. Code $ 35-l l-211provides that a mortgage may gain priority over a lien claim if the
mortgage is recorded prior to the commencementof the work or providing the materials
under the circumstances described in the statute. Priority may also be gained by equitable
subrogation to a prior mortgage satisfied from the loan proceeds of the permanent
financing. Priority will be rnaintained for obligatory fufure advances but not for optional
advances where the mortgagee has actual knowledge of intervening liens. Pending
disbtnsement clauses are used to address these sifuations. Foreclosure may extinguish the
lien giving the lien claimant a right of redemption, if the mortgage has priority over the
lien claim.
Ala. Code $ 35-11-213 provides that the lien claimant record a verified statementof lien
in the Offrce of the Judge of Probate of the county in which the property is located. A
statutory form is fbund at Section 35-ll-213. Section 35-11-213 provides that the
original contractor has six months from the date of last contribution within which to file
the verified statement of lien; day laborers and journeymen thfufy days; and all other
claimants four months from the date of their last contribution. Failure to file within the
prescribedperiod will bar the lien.
Ala. Code $$ 35-l l-310, et seq. requires that a civil action to perfect and enforce the lien
must be brought within six months of the date the indebtednesswas due in the county or
judicial division in which the property is located. Defending lien litigation is costly and in
that sensewe are not able to "win" due to the fact that the cost of litigation will typically
substantially exceedthe premium and often the amount ofthe lien.
When presentedwith the lien claim we will consider the following: (l) does the policy
provide for lien coverage; (2) what is the recording date of the mortgage and any prior
construction or other mortgage to which equitable subrogation would be available; (3) is
the lien a full price or unpaid balance lien; (4) when was the last contribution made by the
lien claimant, according to any invoices and the verified statement; and (5) were the
statement and civil action filed within the statutory period? A decision will be made to
either defend the action to establish priority, or compromise the claim by payment and
releaseof the lien or a subordination of the lien to the insured mortgage. Ala. Code $ 35ll-233 provides for a statutory bond in lieu of a lien againstthe property.
Obviously, if you find a verified statement of lien in your search your first consideration
is to use the standard exception for mechanics and material liens, including a specific
exception for the lien found. Obtaining recovery against the builder providing the lien
waiver and the indemnity is usually a situation of good money after bad due to the fact
that the builder is typically insolvent. In taking an indemnity, consider having the
principals of the company or corporation sign as guarantors because the construction
companis5 rarely have assets from which to satisff the loss. A lien waiver from the
contraqtors, subcontractors and materialmen providing labor and material on the project
would be preferable, certainly, but doing so is understandably impractical in most
instancesbecausetheir identity is unknown.
M/lvI Lien Claim Scenario. ABC Building Contractors, LLC purchasesLot 13, Feaceful
Village Subdivision, to build a spec house for resale. On June 1, John Builder, the
manager of ABC calls All Materials Lumber Company and asks to have a lumber
package dropped at the site. John next calls his carpenters, roofer, plumber, concrete
finisher, brick mason and excavation folks to line them up for the job. Three weeks after
work starts, John decides to go by the Easy Bank to sign the paperwork for the
construction loan that includes a mortgage on Lot 13 that ABC owns in fee simple. The
project continues and ABC makes several draws for the project from the construction
loan, but ABC is experiencing some financial hard times so the money is used to pay bills
on other projects, but John thinks ABC can pay the subs and material companies out of
the proceedswhen the house is sold.
Four months later the house is finished and John and Teresa Smith drive through the
neighborhood shopping for their dream home and really like the house. They sign a
contract with ABC and arrange financing and schedule the closing. The Smiths have
heard Richard Bailey's presentationon the benefits of Stewart Title Guaranty Company's
Platinum Owner's Policy and owning such a policy is foremost in their minds. So they
contact you, their local Stewart agent,when their loan officer tells them you will be doing
the title worlq and say: *We just have to have one of those Platinum Policies that Richard
Bailey told us about, whatever it costs."
The closing attorney has already called you about the closing and has said he will not
close the loan unless you issue a title policy without the standardmechanic and material
lien exception (he has heard at the country club where John Builder is a member that he
has not been good for his bets lately). You don't think this is a problem since (a) the
Smiths want the Flatimr.m Policy and have the premium; (b) ABC will sign the lien
waiver and indemnity you are requiring; and (c) your search did not show any verified
statement of lien on Lot 13. You recall, thougtr, that a few weeks ago your searcher did
find a lien filed by the plumber against ABC on Lot 15, Peacefirl Village Subdivision,
and you have heard that ABC has been "slow" in paying its subs and the lumber
company. You also saw John Builder's Hummer being towed by a repossessioncompany
and that the gardens and grounds at his mansion were not manicured as usual.
You decide to iszue the Platinum Policy as the Smiths requested, and the Smiths are
happy. You get the premium, and you arq happy. The closing attorney disburses the
money to pay offthe construction loan, and the Bank is happy.
A few weeks pass and the subs and the lumber company aren't paid by ABC, and they
aren't happy. The subs and lumber company write and call the Smiths and their mortgage
lender and tell them they haven't been paid, among other things. The Smiths and the
mortgage lender are really happy now because they have a Stewart policy that covers
these liens for tens of thousands of dollars. The subs and lumber company go to their
lawyers to file verified statements of lien and lawsuits, and their lawyers are happy
becausethey have heard that they have a deep pocket title insurance company to squeeze
insteadof that dead-beatcontractor that had not paid their subs for the last threejobs.
The Smiths and their mortgage lender file policy claims with Stewart, and when Richard
Bailey is told, he isn't happy. And this is not the end, but the end of the beginning of
protracted and expensive lien litigation.
1. What type of lien do the subs likely have, a firll price or unpaid balance lien?
2. How long do the subshave to file a verified statementof lien?
3. What difference, if any, would it make if the Smiths had purchased Lot 13 and
hired ABC as the general conhactor?
4. What facts are significant in the above scenario in determining whether to issue
coveragefor m/m liens?
Mortgages. We continue to experience substantial losses due to missed or unrecorded
mortgages, resulting in mortgages having priority over the insured mortgage and/or
senior intervening liens. Exercise caution in selecting outside searchersto perform title
searches.Verifr the background and experienceof any searcheremployed and determine
that the searcher is qualified and has adequateE & O coverage. Do not just ask if the title
searcher has E& O coverage, obtain a copy of the policy and determine the amount of
coverage, the type of coverage and the insurance company issuing the policy. The duty
assumed in the underwriting agreement to search the records and identifu encumbrances
and other title defects in the policy is nondelegable, meaning that if a third-party title
searcher is employed to do the search, the agent remains responsible under the terms of
the underwriting agreement for missed matters of record for which disclosure and
exception should have been taken in the policy.
In addition to missed fixed mortgages, a problem remains in losses due to future advance
mortgages securing home equity lines of credit, which are not satisfied, closed and
released when proceeds are paid from the insured loan transaction. Determine whether
the mortgage being "paid of is a future advance mortgage. If so, take the necessary
steps to send a'kill letter" to the lender on the future advance mortgage with the pay off,
signed by the mortgagors in the future advance mortgage. This is done in order to assure
that no additionatr draws are made on the equity line, which will have priority over the
insured mortgage. Subordination of the future advance mortgage may be an option if
there is only a loan policy, but the preferred approach is to obtain a satisfaction and
release of the future advance mortgage.
Judements. Unlike the mechanic and material lien, judgments regarding real property
must be of record against the titleholder/grantor and any predecessors in title against
whom judgments have been obtained in order to be effective as a lien against the real
property.
Ala- Code 5 6-9-210 provides the procedure for registering and indexing in the Alabama
probate courts, certificates of judgments rendered by the courts of Alabama or of the
United States. Federal liens upon real property for obligations owed to the United States,
4
including federal tax liens, are also filed in the office of the judge of probate of the
county or division in which the real property is located pursuant to Ala. Code $ 35-ll-44
(b) of the Alabama Uniform Federal Lien Registration Act, Ala. Code gg 35-11-42, et
seqA certificate of judgment filed in accordance with Section 6-9-210 is a lien on all
property, including real property, of the judgment debtor located in the county or judicial
division where the properfy is located, for l0 years after the date of the judgment. If a
court action is filed to enforce the lien within the l0-year period together with a lis
pendens notice, then additionally for the period of that civil action or proceeding. Ala.
Code $ 6-9-211.
The following provision regardsjudgments of federal district courts of Alabama:
Every judgment rendered by a district court within a State shall be a lien
on the property located in such State in the same manner, to the same
extent and under the sarne conditions as a judgment of a court of general
jurisdiction in such State, and shall ceaseto be a lien in the same manner
and time. This section does not apply to judgments in favor of the United
States- Whenever the law of a State requires a judgment of a State court to
be registered, recorded, docketed or indexed, or any other action to be
done, in a particular manner, or in a certain ofhce or county or parish
before such lien attaches, zuch requirements shall apply only if the law of
such State authorizes the judgment of a court of the United States to be
registered, recorded, docketed, indexed or otherwise conformed to rules
and requirementsrelating to judgments of the courts of the State.
28 U.S.C $ 1962. (The Alabama Unifonn Federal Lien Registration Act, Ala. Code gg
35-Il-42, et seq,provides for the recording of federaljudgment liens).
AIa. Code $ 6-9-19l provides a presumption of satisfaction ofjudgments after l0 years
have elapsed from the entry of the judgment without execution or l0 years from
execution last issued. A judgment cannot be revived after the lapse of 20 years from
enby.Moreover, the Ala. Code $ 6-2-32 provides:
9 6-2-32.Actionsuponcourtjudgmentor decree
Within20 years,actionsupona judgmentor decreeof
any court of this state, of the UnitedStatesor of any state
or territory of the UnitedStatesmust be commenced.
The exclusive civil procedure for the Unites States to recover a judgment or debt is
codified at 28 U.S.C. $$ 3001, et seq., to the extent that another federal law does not
specifr another procedure. Section 3201 of Title 28, United States Code provides the
following limitation period for federal judgments:
g 3 2 0 1 . J u d g m e nlti e n s
(a) Creation.A judgmentin a civil actionshallcreatea lien
on all real propertyof a judgmentdebtoron filing a
ceftifiedcopy of the abstractof the judgmentin the
mannerin whicha noticeof tax lien wouldbe filed under
paragraphs
(1) and (2) of section6323(f)of the Internal
RevenueCodeof 1986 f26 USCSE 6323(fX1),(2)1.A lien
createdunderthis paragraphis for the amountnecessary
to satisfythe judgment,includingcostsand interest.
(b) Priorityof lien.A lien createdundersubsection(a)
shallhavepriorityover any other lien or encumbrance
whichis perfectedlater in time.
(c) Durationof lien; renewal.
(1) Exceptas providedin paragraph(2), a lien created
undersubsection(a) is effective,unlesssatisfied,for a
periodof 20 years.
(2) Suchlien may be renewedfor one additionalperiod
of 20 yearsuponfilinga noticeof renewalin the same
manneras the judgmentis filedand shallrelatebackto
the datethe judgmentis filed if-(A) the noticeof renewalis filed beforethe expiration
of the 2O-yearperiodto preventthe expirationof the lien;
and
(B) the court approvesthe renewalof such lien under
this paragraph.
(d) Release
of judgmentfien.A judgmentlienshallbe
releasedon the filingof a satisfaction
of judgmentor
releaseof lien in the samemanneras the judgmentis filed
to obtainthe lien.
(e) Effectof lien on eligibilityfor Federalgrants, loansor
programs.A debtorwho has a judgmentlien againstthe
debtor'spropertyfor a debt to the UnitedStatesshall not
be eligibleto receiveany grant or loanwhichis made,
insured,guaranteed,or financeddirectlyor indirectlyby
the UnitedStatesor to receivefunds directlyfrom the
FederalGovernmentin any program,exceptfunds to
whichthe debtoris entitledas beneficiary,until the
judgmentis paid in full or otherwisesatisfied.The agency
for suchgrantsand
of the UnitedStatesthat is responsible
loansmay promulgateregulationsto allowfor waiverof
this restrictionon eligibilityfor suchgrants,loans,and
funds.
(f) Saleof propertysubjectto judgmentlien.
(1) On properapplicationto a court,the court may order
the UnitedStatesto sell, in accordance
with sections2001
and 2002 [28 USCSAQ2001and 2002],any real property
subjectto a judgmentlien in effectunderthis section.
(2) Thissubsectionshallnot precludethe UnitedStates
from usingan executionsalepursuantto section3203(g)
to a
[28 USCS5 3203(g)]to sell real property.subject
judgmentlien.
Judgment searches, then, should be done for a minimum of 20 years based upon the
foregoing statutes.
Lis Pendens. AIa- Code $$ 35-4-130,et seq., codifies Alabama's statutory lis pendens
requirements. The probate judge of each county is required to maintain a lis pendens
record, which discloses any civil action or proceeding brought in any court 'to enforce
any lien upon, right to or interest in, or to recover any land, or where an application has
been made to the probate judge of any county for an order for condemnation of land . . .
." Ala. Code $ 35-4-131 (a). When a lis pendensnotice is found, examine the lawsuit or
proceeding in which a claim is made regarding the subject property in order to deterrnine
the interest claimed and its effect upon insuring title. Request that a Stewart underwriter
review any lawsuit concerning a property to be insured prior to issuance of the
commitment or policy.
Federal Tax Lien. A tax lien of the United States creates a lien against real property of
the taxpayer valid against the property upon recording. 26 U.S.C. $$ 6321-23. As
previously discussed, federal notices of tar liens against real prop€rty are filed in the
office of the judge of probate where the real property of the taxpayer is located. Ala.
Code $ 35-1144 (b). Generally, the federal tax may be collected by levy or court
proceeding, if the levy or court proceeding is begun "within ten years of the assessment
of the tax." 26 U.S.C. $ 6502 (aXl).
Alabama Tax Lien. The Alabama Tax Enforcement and Compliance Act, Ala. Code $$
40-29-1, et seq., createsa lien for state taxes, except ad valorem taxes, on property of the
person liable to pay taxes, including real property. Ala. Code $ 40-29-20.
The Alabama tax lien becomes effective against third parties, including subsequent
mortgages and purchasers, when notice is filed by the Commissioner of Revenue in the
office of the judge of probate of the counf in which the real property of,the person liable
for the tax is located. Ala. Code S 40-29-22. AIa. Code $ 40-29-51 (a) provides,
generally, that levy must be made within l0 years after the final assessmentof the tax.
Ad Valorem Taxes. We have encountereda significant problem with claims in which
searchesconfirm that ad valorem taxes have been paid. After closing, however, a letter is
received from an excessbid company demanding tens of thousandsof dollars to redeem
the insured property sold at tax sale. It is important to determine not only that taxes have
been paid, but also by whom the taxes were paid. Ala. Code $ 40-10-l grants the probate
court the right to sell the land for payment of assessedad valorem taxes. The procedure
for sale of real properfy for payment of assessedad valorem taxes is codified at Ala.
Code $$ 40-10-l through 29.The tax deed is deliveredby the judge of probate 3 years
after the date of sale pursuant to Section 40-10-29. The procedure for redemption of land
sold for payment of taxes is Ala. Code Title 40, Chapter 10, Article 5.
Assessments. Municlpzlities, fire districts and county authorities may levy assessments
for public improvements for various pu{poses.See,e.g., Ala. Code $ I l-48-4 (municipal
improvements); Ala. Code Title ll, Chapter 89 (Assessmentsfor Water, Sewer, Fire
Protection and other county authorities). The municipality, fire district and county
authorities arc granted rernedies to satisff assessment liens, including sale of the
property. See, e.g., Ala. Code $ l1-48-49 through 52. See also, Special Assets, LLC v.
U.S. Banh N.A.,2004 Ala. Civ. App. Lexis 913 (Case No. 2030627, Dec. lO,2004.)
(ForestdaleFire District Sale of Property).
The lien of the municipal improvement assessment attaches to title to the property,
including the title of the owner and mortgagee. Ala. Code $ ll-48-29(b). The procedure
for redemption from a proper sale for unpaid municipal improvement assessmentsis
found, for the most part, in Ala. Code $ 1l-48-54. Assessmentsfor fire district dues
present a particular problem in that the time for redemption may pass before the sale is
even discovered by the insured mortgagee since the statute does not require notice to any
mortgagee.
An exception for taxes or special assessmentsnot shown as existing liens by the public
records will not be suffrcient to account for the circumstance in which the fire district or
other public entity records an assessmentdeed that does not refer to the property owner.
If acceptable to the insured, the following exception may suffice: Taxes, dues,
assessmentsor other charges relating to municipal improvements, water, sewer and fire
protection authorities and districts or any foreclosure, lien or interest arising out of failure
to pay zuch dues, assessments,taxes or charges, which is not evidenced by a recorded
instrument appearing in the chain of title.
In the likely event the prospective lender/insured objects to the foregoing exception, then
the surest approach is to obtain or require a certifrcate or other evidence of payment from
the fre district or authority for the zubject properly. An affidavit of the owner/borrower
or seller is of limited benefit.
Generally, the lien mising from an assessmentfor a mwricipal improvernent is efiective
until paid or until it is bared by the expiration of 20 years from the date of the default in
the payment of the assessment.Ala. Code $ 1l-48-34O).
UCC-I Financine Statements. Fixtures are part of the real estate; therefore, as with
other liens against real property, a UCC lien against a fixture should generally be
exceptedwhen insuring title to the land. The following provisions of Alabama's Uniform
Commercial Code are applicable to fixture filings.
Code of Ala. $ 7-9A-502 (2005)
S 7-9A-502. Contents of financing statement;record of mortgage as
financing statement;time of filing financing statement
(a) Sufficiency of financing statement. Subject to subsection (b), a
financing statementis suffrcient only if it:
(l) provides the name of the debtor;
(2) provides the name of the secured party or a representative of the
securedparty; and
(3) indicates the collateral covered by the financing statement.
(b) Real-property-related financing statements.Except as otherwise
provided in Section 7-9A-501(b), to be sufficient, a financing statement
that covers as-extracted collateral or timber to be cut. or which is filed as a
fixture filing and covers goods that are or are to become fixfures, must
satisff subsection(a) and also:
(l) indicate that it covers this type of collateral;
(2) indicate that it is to be filed in the real property records;
(3) provide a description of the real property to which the collateral is
related sufficient to give constructive notice of a mortgage under the law
of this State if the description were contained in a record of the mortgage
of the real propertyt and
( ) if the debtor does not have an interest of record in the real property,
provide the name of a record owner.
(c) Record of mortgage as financing statement. A record of amortgage is
effective, from the date of recording, as a financing statement filed as a
fixture filing or as a financing statement covering as-extracted collateral or
timber to be cut only if:
(l) the record indicates the goods or accountsthat it covers;
(2) the goods are or are to become fxtures related to the real property
describedin the record or the collateral is related to the real property
describedin the record and is as-extractedcollateral or timber to be cut;
(3) the record satisfies the requirements for a financing statement in this
section other than an indication that it is to be filed in the real property
records; and
(a) the record is recorded.
(d) Filing before security agreementor attachment.A financing statement
may be filed before a security agreementis made or a security interest
otherwise attaches.
* * *
Code of Ala. $ 7-9.4.-515(2005)
$ 7-94-515. Duration and effectivenessof financing statement;effect of
lapsed financing statement
(a) Five-year effectiveness. Except as otherwise provided in subsections
(b), (e), (0, (g), and (h), a filed financing statementis effective for a
period of five years after the date of filing.
(b) Manufactured-home hansaction. Except as otherwise provided in
subsections(e), (0, and (g), an initial financing statementfiled in
connection with a manufactured-home transaction is effective for a period
of 30 years after the date of filing if it indicates that it is filed in
connection with a manufactured-home transaction.
(c) Lapse and continuation of financing statement. The effectiveness of a
filed financing statementlapseson the expiration of the period of its
effectiveness unless before the lapse a continuation statement is filed
pursuant to subsection (d). Upon lapse, a financing statement ceasesto be
effective and any security interest or agricultural trienthat was perfected by
the financing statement becomes unperfected, unless the security interest
is perfected otherwise. If the security interest or agricultural lien becomes
unperfected upon lapse, it is deemed never to have been perfected as
against a purchaserof the collateral for value.
(d) When continuation statement may be filed. A continuation statement
may be filed only within six months before the expiration of the five-year
period specified in zubsection (a) or the 30-yem period specified in
subsection(b), whichever is applicable.
t0
(e) Effect of filing continuation statement. Except as otherwise provided
in section 7-9A-510, upon timely filing of a continuation statement,the
effectivenessof the initial financing statementcontinues for a period of
five years commencing on the day on which the financing statement
would have become ineffective in the absenceof the filing. Upon the
expiration of the five-year period, the financing statement lapses in the
same manner as provided in subsection (c), unless, before the lapse,
another continuation statementis filed pursuant to subsection(d).
Succeeding continuation statements may be filed in the same manner to
continue the effectiveness of the initial financing statement.
(f Transmitting utility financing statement. If a debtor is a transmitting
utility and a filed financing statementso indicates, the financing statement
is effective until a termination statement is filed.
(g) Record of mortgage as financing statement.A record of,a mortgage
that is effective as a financing statement filed as a fixture filing under
section 7-9A-502(c) remains effective as a financing statement frled as a
fixture filing until the mortgage is releasedor satisfied of record or its
effectivenessotherwise terminates as to the real property.
(h) obligations made pursuant to the provisions of the Alabama Small
Loan Act. If the securedobligation is made pursuant to the provisions of
the Alabama small Loan Act, the effectivenessof a filed financing
statementlapsesupon the earlier of repayment of the loan in full or the
expiration of five years after the date of filing.
1l
.
IN TTIE CIRCTIIT COURT OT'MADISON COIIITY- AI,ABAIVIA
TITERESA LAWSON DIBIA TIIE DESIGN
COMPA}IY,
.
)
PI}AINTIFF'
vs.
BRT.AN
HoMES,rNC.;#w SOUTttr
BEAt
ESTATE HOLDINGS, LtC; EDWARD
ELLEGOoD;
EIJEGoOD;
LINDA
CILARLES C. DARNELL; LARUA C,
UTINELL; andA, B, C,sndD thoseerrtitiesor
psrsolrswbo claim a lien or mongageou the
propcrtydescribedin Exhibit *A"; saidproperty
being&e zubjcc1-ofthisccimpl'i'*,
DEFENDANTS.
I
i
:i
i
i
3{e
{
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j
I
)
CIOMPL;IUYT
COInIT f
1.
Pldntitrbd4s this actionagainsttbc Defsrdartsfor the Furposeof establishinga
tien r4on the property hTeirary
aesqtfUgin FxniUt *A' afiachedb.eretoand incorporated
hercinasif fully setforth hffein (the fryerty'f.
2.
Plaintiffis an irn4ividrel Esiding in the Countyof lvladisoq Sffie of Alabama.
Mrndant BRIAI{ HOIVIES,n$C. ('Brisr flomcs), ic a ioqporationconductingbusisessiD fte
Cousty of Mariison,Sffie tlf4[sfoerna DefmdanrNEW SOUIII REAL ESTATE HOLDINGS,
LLC conductsbusirressin UteCormtyof lvladisoo,StateofAlahna
Dcfbodrots CIIARLES C.
DARNELL, LARUA C. DARNELL (ths Derqells? and EDW.ARDELLECOOD aDdLINDA
EIJEGOOD ('thc Ellcgoods') €re all partiesto certificarcsofjudgment
1ga*" Brian Homcs,
recordedwiththc Judgeof h,obafieof MadisoqCounty,Alabama
A-1
3.
Ptaintitris engagedamoagorber&logt, in the b'usinss of providing labor and-
materialsfor tbe constnrstionandimpnovement
ofrcsidcntisl projecls.
4.
Title to ee hoperty
.
stands of record in Se Office of the Judge of hobatc
:
of
MadisonCorntll alabama io th6 name of NEW SOtnH REAI. ESTATE HOLDINGS, LII.
BRIAN HOMES graoteda mo,rtgage
on &e Pnopgrtyto NEn/ SOUTII FEDERAL SAVINGS
BAI'IK. NEW SOUTH EEDERAL SAVINGS B4ry
frrcctoscA on firj pniperry" aDd NEw
SOUTHREAL ESTATE I{OLDINGS, tLC pruchased-therProper[r
at the forcclos:rnesaleon or
'
aboutN{AY2?,VO045.
Flaintiff cont-acted with Blian Hbmes to pgvide for the consftuction of
' ] .
isrProv€tmeotsto a house locatedron,tbelropcrty. lle Propqty qnd house wep oumed by Brian
Homes at thc time the coiitract was formcd aad druing the time ttiat work ryas performsd
6conEact. ftg
Wotk dono by Plaintiff was perfonncd in accorduce with ft.
f"$ wonk perftrrnd
tern" of said
thereuod€r was done on or about'NOVEMBER
13, 2003.
Thcre is an uapaid balance fq rrork md Isbor dqne qad materiaJsfurnisfred at tbe request of
BRLAN HOMES in coonection with improvements m the koperty
THOUSAND, EIGHT IIINDRED
7.
EIGIfT{=ElAfff
in ihe amount of SIX
"oC,+E/l 0o Eollars (g6,EE&/t8).
Plaintiff claim-s a lien and/q tigbt of .oA*^ptioo qpo4 lhe prop€dtry and th€
improveurmts lacated -on the Pmpclt'y. ThE DARNEIIS
arrd the ELLEGOO,DS.claim lisns
ndtotttght5 crf rcdedrytrionon tre koperty, Ai B; C a3ciD'cldm li€Ds, *-"rq***
' :
: '
of redemption on the Propedy.
8.
aail/or. rights
Plaintitrprovided notice of her lia claim b BRLAN HOMES on or abour aPruf
?s,z0flr''.
A-2
9.
Plaintitr fild
hcr v.erified statenreutof lieu !n the..Office of tbe Judge of hobate
of Madison County, Alabama, gn arabout aPruL Zg, zAM- A copy of said verified staterrent of
.
1
.
lien is attachedher€toasExbibit "B- andincoqporated
hereinasifftlly
I0.
setforth herein.
Therc .remainsdue aod oring from Brian Hom$ sfr( TIIOUS$.
EIGHT
HLINDREDEIOHTY-EIGHT aod4tll(X) Dbllaru $6,8S8:4t) for work btd iraplovq6neqtsdoae
o!. tbe Prcpertyat the r,equestof Brian Homes,and for ulhichpaymeotluis not beenmade
WIIEREFORE Platntifi a"rnrn&'fudeqqtigFi"u*
lrigrrHomqu in the sum of
stJ( Tl{ousA}ID, EJGHT}ITYDREP EIGiT-rT-EICitIT,and+rlr0o Dolt8rs ($G,EEt.4r),ptus
interEstand'costs;and fulthcr "i;i",s a lieu upon thb n"eg"ry.t*4""U"'ie
desqibed. plsiatitr
.
requeststret Sb Court witl pedebt saialjlien for the unpaid balance of rle indebted1essend thaf,
upon failure of Brian Homos to pey such amOuff as is dcricrmined'to be due by the Court to
.
Plaindtr from Brian Homes, Oe Cotrt will order tbe Property, togetbc,r wib irupror,sments
Iocated therem, b be sold by rb Courtto satisfy aad dis*dge saidlr'eu, and thattbc Cout will,
upon final hearhg in 'tf is ctuse, dctermine the priority betwen Plaintiffc
lien or righr of
rederrytion asd th€ liens, mortgaggs,interests or righlb ofredepption of BRIAN HOMES, NEW
soUTIt REAL ESTATE HOL,DINGS, LI-c, the DARNELLS, ftc ELLEcooDs
and 4 B, c
and D.
' ' . ' -
COI'NTtr
ll,
Para$a+s I thiougb lO'arcrtaltogedhcrcb'es if ftlly set fodi h€r€in"
t2.
'
Brian Hornw is a corporation uftich oiducts bt sin-Rsin the starc ofAlabarira
13,
Brian Homes owesPlatt'iff sx nrousAl{D,
EIG}rr IIUNDRED EIGHTy.
EIGIIT and 4BlrcA Dollars ($6,S8t.4S),on an accountsbted betu&eniPtsinritr and Bria!
Ftromes-
A-3
U U A . 4 J
.
WHf*gfOng,
fCtffidearandsiudgmeat
againstBrian ltr6nes in rbe sum of
SIX THOU561.ID,EIGHT IiIJI.IDRBD EICIITY-EIGHT and lfl1100DolIaF (S6,EEB.43);
plus
interestandcosts,
14,
ParagraphsI ttuough 13arc ri'allegedhetdn as if nUfV$etforth hcrein.
15.
Brian Homo o*.. Plshtiff SD( THOUS$ID, EIGIIT'IIIO,IORED Elctny-
EIGIIT and 4tl100 Dollars ($6,8t84t) for wort qnd labor done for Brian Homesftorr oo or
aborxJULy 3l; zwS,untilon o;alout No\ErfBm,
ll,zwg,d.tbe requestof BrianHonres,
WHEREFORE,Plaintiffdsmandsjq4gnem againstBrian Homesin the slon of
sDr TI{OUS$ID, EIGHT HUNDREDjEIGHTY-EIGHTand 4Bl100Do[an ($6,sEt,4s),ptus
intcrestandcosts.
COUNT IV
16.
ParagrryfrsI ttxough 15arc realtegedbercinas if fully setfortb hereftr
17,
BTiAnHoMCsowes Plaintiff SD( fiIOUSAI\ID, EIGIIT HT]NDRED EIGHTY.
EIGIIT and4ElI00 Dollars ($6,8tE.4t), dueby qpenaccorrnt
:
.
.'
WHEREFORE, Plai!fifideraends judgnmt aguinst Brian'Homqs, ir fte suq of
SD( THOUSAND, E-IGHT IilJNDRED HCIffY-EIG1IT
snd 4El100 Dotlars ($6,s88-4t), plus
imerest aDdcasts.
j coItNT
v
lE'
ParagaphsI tlrough 17areicallegedkGin asiffuliy wt fort]rhereia
lg.
Plaiatiff md Briau Homes enteredino an agre€meqtby ufrich Brian Hotr€s
:
to pay, in addition to other aroriurits,the ainount of SIx TIIOUSAI\ID, EIGHT
A4
HLTNDRED pfCffy-ptGHT
aod 48/100 Doilars ($6,ttt-48) to Plaintitrfor
the improvenrent
of the house tocated on the hopwty.
2A,
Brian HqEs has tircac,hedtbe said sgtegrnent ry ftiling to pay PtaiqtifFthe strn
of $D( THOUSAI{D, EIGITT HUNDRED FIGHTY-EIGI{I
WHEREFORE, Plaif,fffa"m1"ar
aDd48/l0o Dollans ($6,888.48).
.
judgment seahst Bnan Hornes b fk srrn of
SD( THOUSAIID, EIGHT ITUNDRED EIGIITY-EIGIIT
and 4tlld)
Dollars ($6,EtS,4t), FIus
:
interestandcosts.
OF COU}I]SEL:
EDWARDS, MITCTIELL &, REWF^S
L23L6 St l$4 Suite A
Decqfirr, Alab"ma 35601
PHONE: Qi,56)7s3-6323
MAIL
SER\M DEFETTTI'ANTS BY CENTIrIED
PcfGpdanF'AddFSGs:
.
:
Btian Homes; Inc.
c/oMicbssl I(. W-lsner
lm Washingto.n'Stect, SuiF 2OO
Huntsyille, AIabaEa 35t01
NEW SOUTIIREAL ESTATE HOTDINGS. LLC
c/o The Corpomtim Compny
:'
I
20o0lntersbrb?ark Dr.; Suit€ 204
i
I\itontgornery,AL 36109
EIYndd Eltcgood
c/oBrrntA King
Attolney adl.a.w
P-O-Bor( 1747
Decghr, AL356A2
A-5
tindaEllegood
c/o Brent A. King
Attorney atlaw
P.O. Box 1747
Decafur, AL356A2
Char{es C. Daaell
I^mrs C. DsmBU
cy'oThouras S. McCrarh
P,Q.BioxZa39
Huntsville, AlabamE 35t04
A$
E)ffiIErrN
Tract 23, according to the map of pl* of AUTUMN BRANCH, as.recorded itr pld Book 46,
Fagp 55' in tbe Office of the Judge of Probate of Madison Coiuty, Alabaurs, more. p"rdqntrrty
dcssibed as follows:
llt rhut^Ert _tlrso@c,Eil qr4.r of secaicilB, Toqnship3 sodt naugez
V'est of ep HrdrceltlenfenOq l4EdbotrCq16tl',Ataban+ mordpqdqdadf
describcdasn'rrrrrrrcingata5/Einphr"UatOunf
narhciocctsricriirnorclfafftrroaa
Bed8osd d Ca$tw 8€4 ttid 5/t ;adl rcbar is ornenns in use ftrr fre
Souft$rc$Citafi'ofsaid Sscfm lt; lkNodh4t
derEcs2gnin&s 54 socoods
East53.41ft€q e-,caNqtSg dcgrecE
32 nftnrr20 @
Ea*f4gf.0dto
a 3/a inch rrsbgf-oud qn tbe Noft rucgh da ?0
w-ayfor CGL*
of
eot,nigbr
goad c tte SornteastCorucro,ffte Tdit TrastcriryEycd
ty UccarecordA ii Oecd
Bmk9I9 on pEeF3 in rb pmbateReoordrof sdd-co.G;;i;-;r,fis;dd
TerryrTrac, along6e Noile_Inrgin o'fCryfrcq' Roa4 Nodh-fif aqrqgee6 J;trrleg
30 secondsEasl@;O-Ttfect b a cappedt/rfuhrebcr seta{be Sou6castcorsofa
l-74 wretract conw)lcd o Thc Unitcd Sta&sofAusica byDced rmor6 in D""d
Book 6t7 on Fage llt2 b tbe hobore Recordeof SNidCoutrry S 6e pdn of
BeginniDgofthe Truuein
acrfte* Tneocefiun rhepoiutofBbnnine drhg
caFnw RoaG dmg tu Eas bo@t
of Edd brcq, &l' Nore z0sg2 f*'tu a.
cryPed |4 inchnbors!4'ttcncclcevingsid bmdry,Nodh 89 @rccs 5gminurFs
52 socoadrEss F-47_ftet b a crycd ,6 r"chfiiberset tt@ Soltl m ae4rcesOO
minuas" 09 secondsEas 205.01fctt to a cry.$ y2 ffircbar sct * ,1f, Norfl*
margin of tbe ?Ofrot Risto of Way for C{Drfi* Roed;e-*;d;d
-#",
Southt9 dcgrees26 ririrures 30 seDmdsWcsrrg3.4gfg;t wt, fotu-"f-f"ffiilg-
A-7
o*'t'Lffi.,.ffiilwl
at
STATE OF AIABAI\,IA
COI,NTY OF IvTADISON
)
)
)
COMES NOW THERESA D. IAWSON dtbla TIIEDESIGN COIvIPAI{Y ('Lawson,)
and files &is stEbure.atiu writing vcrified by the oath of TIIERESA D. LAWSON, ufr" b;
personalkuowledgeof the &cts setforth h6rei;.
Lswson claims a lien rryonthe following desoribedpropcrtysituaredin Madison County,
Alabama to-wit
I.ot 23,.*4ng
ro frs mrp of plat of AUTUMN BRANCE as
recoded in Ptd Book 45, Page i5, in the office of the rudge of
Probatcof lvladieonCounty,Alabana
This liea is claimcd, separ*Iy and serrorally,4 b both the buildi'gs and irrpovanents
thares!, sad tbe saidland.
:
The said licn is claimed b sectne an indebdncss of SIX TIIOUSAND EIGI{r
lItntDREp EIGI{TY-EIG}IT ad 4V100 Dollars ($5,888.4S),phr inueet from DECE14BER
17,2W3, fur labor, s€rlticcs,maLirisls,and/orequiFpmt nn#rlua b ond for'tbe ippnovement
on orof saidreal prop@:
The namds) of tlre owner(s)orproprieto{s) of tEeafdesaid prqper;f descdbedABOvE
is/sre BRLAN HOMES, INC- MutgEges arc hsld by UMON pt-eNtf*S,
NATIONAL
ASSOCTATIONand COLONIAL BAI{K, }[.rL
STATE OF AI-ABAIVfA
COUNTY OF N{ADISON
Beforc mu, . lryp"llr-. in aad for tbp Co,mty of lvfdisoq Stare of efaUao+
persmlly appeared,IHERESA D. IAIilSON. wbobeingduly swoq doth dcposeand say: Tbj
lrehss personalhpwledgp of the facti iet fortt in the frrsgoing stsenteot "ilieo, aaa drat ne
samears trua andcorest to .thebcstofhis howldge ad bdief,
andsrryora
Subsccibed
tq beftr,eme oo this fte }l3leDr of AP.RIL, 2cfy,,by saia hffiffir.
My CourmissionElpircs:
InskrmprrtheparedBy:
J.Jeftry Rich
P.O.Box lt24t
305frunch SL, Suib 800
I{uaeviille, AL 358&-BZ4B
.!r
..
,..t'r
:h
,r''!'
.$fl9 no FEr|uTt
lCT LP
ISV0t\147353U
A-8
Y6"
ilffi;.-'..;to-r:M
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ffitrt
urrrt t{ Dr! ilr.'/
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rarrt|nolrrdr iilf,!5gcarffr
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A-9
EI(8IBIT IN
AISG Drrclttd!
otbcgmbe'
glggffi*ffiffi'ffi":hl%W
Cn-+
rnrag;5':r"
!|5!r
s$[n-z lltu0z
dI$l*"ii'"'"n "
8'roJ
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t-JJao!:ffi--sp'e.ufFLfu-lr-
l-dt"a'
A-10
ALTALOAN POLICV
OrderNo:4'04081
PolioyNo; M-999+ 7 565121
ScheduleA
Date ofPoliqc Jaauary24 ?AoS@ 01:59PM
Amount of ftrsrrance:$74'E0o'(F
l. Nameoflr.g.|rcd:
Assig8sbastheir iderests
ArnedqrettMortrage Company,it's $uccsssor$and/or
tnay appear
W *e insurednortgage is:
2. The estareor iiasrestin dre landwhichis encnmbered
FeeSirnpls
3. Title to tfie estateor i&restinths landis rrc$edin:
STACEIT.9vATSoNAI*IDVICToRIAITATS0IqHUSBAI\IDANDWIEE
describedas follows:
4. The insrxedmortgagpgndassignn€dsthereo{ if auy' are
WATSON AI'ID
Mortgtge to AmeriquestMortgegcCompanyby STACEY
$'14'8oo-00' dated-,
amordof
VICTORIAS/AISO}E EisBAlD A{D WIFE ' inse
page'625,in
inbook€4s,
PM
ol:59
Ir4ry ra,?w4,r, oooaua on laouary20,2na5@
Alabamgmelm"i, of the ludge ofProbde ChiltonCounry,
5.Thetadrderredtointrispo|icyiadesc'IibedasfrIlows:
SEE ATTACFIEDEGTIHT.A''
a
Sterrart fifle GuarantY ConPaaY
A-11
'
'tt-t
Sche&rleB
danageby reasonofthe following:
This policy doesnot insureagainstlossor
in areaor borndarylinm' or auy
1. Asy discreparciesrconfrctq or sbortages
eocroacsnsot.s'or any o\tedap;hg of improvements'
ysarg which srenot yet ihroandpayable'
2. Tsxesfor the year2oO4aodsrbsequeul
itescribedproperty'
3. Restrictivecovenafisa&*ingrhe above
I
/
A-12
\-,'
.
t.
'\J'
._._L
E:&ibit"\"
to o" ctty.ol Os$^f*ena
I.ot 4 in BlockE otrlheRocHt Addition
atPage 8i!]'
ia]'IapBook2
Alabuna
Coru[r,
ofCbilmn
"fturl
25 fts 5g6e is ofrecord in tbe offce of tbe Judge
i
J
A-13
A4/73/-m5
ffi;67
TRLfCKS*TRUCKS+ 8795?39
I rff*
AVsO3re'
.
_ _: _
hlc.8ffi
_
E
a*ABAltA JTDICIAL DATACENTER
CEUNTY
JEFF-BEBHR
CE.RTsFICATFgF JUDSEfiENT
cv 1??8 0004ta.00
DANC. K IN O T I3 ___=
I
IN THE CIRCUIT
VS
FAYE E ADKINB ETAL
COURT OF JEFF-BEEFTR
OENE D I,IHITE
a
I
COUNTY
ETAL
9 9 0 1 / 7 3 2 2
FARTY-$ATTORNEY:
DEFENDANT
CHAI.INELLCLARK Id
L7I6 I{AENOLIASTREET
eftRDEMALE
'
rAL.35O7I-O0O0
, CLERK OF THE ABOVE NAMEDCOURTHEREBV
T, EARL N. CARTERJR.
CFRTIFY THAT ON TI/ASII??g
PLAINTTFF. ADKINB FAYE E
OF DFFENDANTtN SAID COURTA JUDeEHENTIIITH
SUI'IOF
$143,649. lE DOLLARSFLUS
THAT THE FLAINTIFF'8
RECOVERED
ttAMR
OF EXEI1PTI0NSFQR THE
9139. OO DOLLARSCOLRTCOSTS, AND
ATTBBNEY(S) AF REcoRD t^fA6: TRUCKS, MICHAE|-G
EIVEN T'f,IDERHY HA}.IDTHIS DATE TA/T1lLqq}
Efi
|
ral-Fr
481-416
]PERATOR: KAD
"REFAREII: LUlt/19?A
_Jcfre,:on
qlry*
Gorrnry
Tlt
I ce*i} tftlr lnrtusd
(flcd 0E
PLAINTiFF'5 ATT6R]€Y:
Jtl.I 21 A.tt. tO:18
:.9?9.end
nccmdcd
$
Ilttg'frx
t**"*f,e#ffi;*F
rnil$
rffiffilftrffiffiffim
e9A7/7522
TRUCKE, XICHAEL 6
4505 GARYAVE.
FAIRFIELD
AL
3ro64
A-14
Sdemsrt
Stdqnsnt
Fomr lor Trcrtacila,i6
, oe.|(w.
U,tS,lr$uult|s
sln4{
cnar$mt
rtrg ilagndg.
Stlgs!
g.rdcrktdo.
A.gecr|t
\-Sileilt2s€olsl
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ctl{o|rdr0
Fl'rrRarr&i
FinaftId
Oo(p.
SOCcrraionafr6o
l.ta.r.. g55qnbg6@
3oatfl
gr€et
:7-16 ifagno|rr
G.:d&idiira.
AleDrfl E s5 qaii
5t;83t.57
56.SS5t
10+.4m.o0
.oo
4;'169,94
503535t
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fdrd6Solrcbnrf,r
iddc,Adjt.6of|
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d il q|aA.E
d.bf-df
lar ip nr t{l3 tffirdoG
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dd
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l'ts a rLE an6 aoqrEF
t#.d
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qry
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s
r.c6&re{t q @F}
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Aol
+t:rraoc
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ffi
sdascuElt
{srortldunrtr|sidot|.
frC tlrrbtobd
@rnrn
l| a.catb'rb
ffirictIon
lOOl
ad
Cilft.-drrf'afi|'
leroJ
S€€&.r
6atlrF'lE6|sq
fif
t rgts cE.r.d of,rrlc$r$l
?ilr ttF EErDrrrF.
ddafs
,tp/EEtrr.it.!:riF-x.
etidot$Olf
tls
: TA
EE-
Canp{ttt
mz@r.EP
D."tE
P*
ld
I Fr{f-rlesq
d
ctP6
A-15
BridgeSllan
Titfe Company
ttl'C-ed-Us.lt':lg
f*E{ritfrEL.lr&Rec6son['Cdifryrr
TF"O5XI
Ptog: 08tSl?2$€mpFr(a18t
PAY(}EF TREAI(I}{)IY'}T
TrleNfnrberz
EEID IA
lr\r:rqns
*?tll
lohrqrf
91if l
14 WsrhtrrEmn n tuhral,
-Loeo
r5O&X)5{XlirS4L
l{rinbcrr:
BiDcip'rl Brhss
krrcrc+ froa to Oltl u2ocl
LrfeFccE
P$ogaYocrltFces
Srqrtmc,Fl.&e$
Recodttlg Fse
fuErert l}om r-31 2-7
f.orrlPayoEr
ffi
s.d35-Ag
t362'1
c90
oo0
o_oo
3"Oo
:t8,47
$S8,E53S7
r5OI
A-16
THF- STATE OFAI-ABAMA
COI'NTY OF JEF'FERSON
PARTIAL PSLEASE OF JIJDGMENT
KNOW AI-L MEN BY TIIESE PRESENTS, that the undersiped FAYE E'
ADKINS, CARoL ADKINS AND MARY A]YN PRIDGEN, for good and valuable
consideration, does hereby releasethe following descnbedproperly tom that ce*tain
Certificafe of Judgment styled FAYE E ADKINS, CAROL A-DKINS At\D MARY
AIYD IRA'S
AI{N PRIDGEN v. GENE D. WHITB, CLARK w. CHAIII\IEII
HARD LUCK CAFf, INC. recordedin fte Birmingham Division of the Office of the
on January
Judgeof Probateof Jeffersoncormty, Alabarra rnsftument No. 9901175?i2
of
Jeffemon
the
Judge
of
kobate
of
of
the
Office
Division
Bessemer
in
the
and
2l ,1ggg
County, Alabama,Instrument No. 9960/2030on January25' 1999:
Lot 5(), in Block l, according to tte mep and survey of Garduvlew Estrt€sr six&
Sector, as recorded in Map Book 102, Page 71, iu the Probete Officc of Jelfersoir
County, AlabamaSourceoftitle: Book 9805,Page3531(recorded42011998)
IN WTINESS WHEREOF, the undersignedcausedthese presentsto be executedthis
_qb
dayof fYM4
.zoos.
n
t
tvtarfenr(PriAsm
9 ' a
O
THE STATE OFALABAMA
COUNTY OF lefferson
I, the undersignedauthorify, a Notary Public in and for said county and stafe'do hereby
c€rtiB, that Faye E. Adkins, Carol Adkins and Mary Arur Pridgen u&ose nmes are
sigped above to the foregoing reteasc,ard who are known to mg aoknowledgedbefore
me on this day that bcing infomred of lhe conteirtsof said inetnnnent,thc5rorecuted the
sarnevoluntarily.
Given uadermy haml andofficial ,o1 6,
@
Ouyot
This instrumentpreparedby: MastonE. fvlartin"Jr" Esq'
2 Metroplex Drivq Suite 311
Bimingham, AL 35209
rffssil'Hitffi
A-17
,$ffi Sffi'r.'sEtiil&
IN THE ETRflITT COURT OF CHILTON COUMTY,\ ALABAMA
K E T T H O'K E E F E
P l a i n t,i f f
l
i
)
) case No. (.t uLi-t2A
.STACEY D. WATSON, VI
WATSON
AND
AT4ERI
MORTGAGECOMPA}trY,
Def endants
€
-o;ag
? ^(^
.$'"'
I, Mike Smith,
cl.erk of the Circult
CourL of Chilbon
County,
Alabama, do he.reby c-erLify
thaE, the above-captioned
acbl-on is now
pending in'the
circuit
court of chilton
counEy, ALabama.
Further,
thaE Ehe scated purpoge of said action
is ag eet forE^h in a true
and correcL copy of said aetsion, aEtached hereEo and incorporabed
as tf
herein
fuL1y set forth.
F\rrther,
bhat the real
property
which. is trhe sr:JrJects of said action
is said
Eo be sicuared
in
ChiLton
CounEy. Alabama,
and is d,egcribed ag fol1owsr
Commence aE a point
whlch ie 685 feet Eaet and t_5 feet,
North of the SouLhwest corner of, the NorthweeL l/4 of the
NortheasE
L/4of
Sectlon
36, fownship
22 North,
Range l-4
EasE; Ehence run East. along the North righE, of way of
Crowson Averrue f,or a distance
of 75.28 feeb, to the point
of beginning;
thence continue
along the J-aet desciLbea
course for a dietanee of 74,90 feeb; thence Eurn a-n angle
t,o the left
of 89 degnees, 43 mlnutes, 19 eecondg and run
Norbh for a dietance
of 126.L1 feet; Ehence brrrn an angle
to bhe left
of 89 degrees, 2! minuL.es, 5L seconds and run
WesE for a digeance of 75.L3 feeL; Ehence turn an angle
bo the lefE, of 9O degrees, 44 minuLes, 40 seconds and run.
.South for
a dist,ance
of tZ6 feet
polnt,
to
the
of
beginning.
'ALSO
DESCRIBED AS: LoL #4, Block
the RoeheCL
E of
Additlon
to the eity
of Clanton,
Recorded in Map Book Z
aL Page 83, in
bhe Offlce
of the Judge of probate,
..Chllton
County,
Alabama
OOHT
FILE
A-18
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TO:
SENDTAXI,IOTICE
NealL Anda'w
300Nodh21stStresl
Blrmlrqham,Alahma &5203
2 0 0 0 0 3 t 2 4 7 g
$,AHnAMrYpEFp
STATEOF Ar aRAt\44
JEFFERSOTI
COUNTY
KNOWAIL MENBYTHESEPRESENTS.
Ten Ttnrsrut and No/lm
Thd fur and in consi@ationof Tun Fft.rndred
RQBBINuf; GRAYSO}Ia mariedwornan
b theunrterslgnad,
{$210,0&00)DOIJ-ARS,
(hereilafterrelenedto as 'Grarflor),ln handpaHry NEAI L ANDBEIYS(herelnatur
rgfenedtO AS'Gil8nteg'),the fsceip! adeqracyand sutfldencywher€q arB hsreby
th€ saidGrantordoasbythesepesetts, grant,bargeln,sellard convsy
acknowledg8d,
the fouowingl€al estalB,locatedard
unto the sald &antes. NEAI L ANDREUIS,
in JeftersooCounty,Ahbama:
sribJabd
lot 2, accordngtc tho qrr]€y sf Cheroloeffin,1s mcotd{ il tItP
aooi' rts, pa& eo, in fre dffica of ttn Jrdge of Pts& of JsfterEon
Cqrnty.Alabama
TO:
SUBJECT
1.
Ad valoremtaxgEtcrthe yw M,rYfrlch area Isn, hjt tEt
yst dJe andpayableurd OctoberI' aX)O.
EassrnedsodNortrertyandSo.drstry75bsrald ryatlq
2.
fest of saU tot as strotrn on the rsctrdgd map of sakl
c.6dwision145fgd bulklngsotbackIne lrumChsl*ee Foatlas enoryn
3.
on |hs r€cordsdnap of sd subdvidon.
4.
Satdhryad'uals'stdrmsaltets andstormdil$es as shosn
on reorded rnP of saH e.Odvidon.
5.
Covenarts, condtiom and rpsilidiong as Eat bilh ln
instrumentrecordedIn BsalVobme1488,PaOe46&
Sanitarys*rnr 4nemeit s recordedh RealVo&mo1507'
6.
Paget55.
hs(oindo€sllot constitriethe hofiFptaced th€
The propsrtycorwoye<l
gredor or hersPouse.
TO HAVEANDTO HOLDr|g s*l escfibe{t p|opsftyuntothasaidGrasbs' hls
hairsand astiigrtstorewr.
A-21
'-n--'
--llT-r--
T'
ALTAOm.fr Polkys*dn
A l,r?
SCEEDTILE
A
FibNo.: 2W346
PolicyNo-: G9993-2006t71
Amom of Insurarcc: $21O000-00
Premiun S50E.0tt
Dsteof Policlr lr,ffich3,2000at t:40 A}l
l. Nameoflnsured
Neatl.. Andrews
2. Theestateor iuler*t h Sc lands,hichis corrcrcdby this policy is:
Fcc Simple
3. TitJeto fto est4leor icsest in tbc bnd is vesedia
l.IealL. Ar&crrs
4. Thc tandtcfcred to in &is potitaTis dcscribcdasfrllars:
Iot 2, accotdiqgto ths Surwy dMee
Rilge, asrccor&d itr IIap Book I 13,Pagc80 in tb 06ce
oftbc lrdge ofProbarcofJcftrson Conty, Alabarn&
STEWART TITIJ
GUARAI\ITY CO}TPAI\TY
SsbcrldgAofrtirfd!ilcoe
of I pr6(r)
A-22
nLTA O*a*'r PolicySchr&h B 1992
B
SCEEDTiI.E
froln Covcrage
Exccptioas
PdicyNo': O-9993-2806,871
FileNo.: 200346
This policy do6 !d insureagainstlossr &mage{aodte Cotqarryvnll nct pay costs,&orwydfees or
aEecses)$,hichadseby reaso of
or due from tre localdisfiict for&e year200q ard sr@Ed yearsl. TaxB, assessdpfrur
Z. Any lieo, or nida m a lieq frr scrviccs,labor,or Eatcriat herc*oor berea&erfiraished. impocedby
iaw adnct Sounbytte p'trblicremrds.
3. Eacroachmm, overl4x, boundaryline dispr$es,or chcr ruaficrsu,fticfiqurH bc disclosedby aa
accuratcsun€,yandinspectio of&e premis€s.
4. Easemer(s)over Norrherly and Sorfberly ?.s-fcetad rcar ls-fwt of said lct as shown m fu
recorded4p of saidsubdivisi<lo"
5. 145-footbqildirg se$ac} lire &m CffictceeRoedasshownm rb recordednap of saidsnbdieisioD-aP of -"tid *rbdivisim.
stofilrsewsrs,stonnditchesassbormon rccortdod
6. Sgnitart'Serners,
7. C,ovena6,cslditims, andresrddioos(prwisims, if any,ba^d on race,color,religi4 secqbandicap,
frmilht ffirs or ',^ti,urt origin ars onnc4 as set frrth in iustrun€d doomeot rccofidcdh Reat
Volurre149t,Page45t.
t.
asreordediERcaIVolrrme1507'hgF 155Sanitaryss{r€ragreem€crt
STEWART TITLE
GUARANTYCOMPANTY
gchcrhlcB of,ttir hofisycodiils of I pag{s)
A-23
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lh.3L
.=
-.1
t
i'E
..1
,.7
of Al$n*
2 0 0 2 r o l 9 8 9 e
.FFFER8Oil G(x.f{TY
l('|os All La bf ltlr
ftr..r*t
Thl
111195,1$ on ifr Sllll d.t of lffilr
llltg
r d.crr rs rrldrrd by ir Probi. Corrt ot
Co.ttty foe lhe rdr of $. Ldr hrt|ilfrr
Jcffr|o
dscrb.d al ccrwyed tor ttr $na trd Cqrry
trrrr 6..r dur frqn GeATil S|Rm S f (n8ll
I.
tht O*ru of rdd bd fo.'tfi. co6tr r|d oe.s
tr-aof rrd rtrrn<h.
AID WHEnEAS.thr.lft|f.
to-sit qr ur
r'oJrtV ldd by thr Trx Colhcu oJ Jrffrrsr
Esrrrr I
prdt|.r
ttr
b*rtt
tlxr, coco rd rxp..tt.e tn N
r cstificrnr of tdd p|'ctu|r.
lgltt dry of Hy, l9ll'
ald lrrdr wr e.ry rrd
GotrtV lc tsa, ooltl, rld rrprrrrl rnd rt rJd rJ.
of rad b.t.b t
rid run to dd Trr Colctor, ld
rd
ferh'.d
fo. tr
i|rl
ot trld
trsrr r|id Trr Cofircror
:
Arut llncnE S. tf tir for tr rcdpnplEotrof dd t r& b,' tdd orrrr d dtr p.r.fi hritg ll
htrrrrt
tr.ir
trr deccd $d r.id *tfi:i.
n
ol prchrrr tr brn rirrFd lo ff probr. .ldor of
Cornty.
Jrffrror
tr|()W TlGFEfffi. t tlfCttAEL F- E(fJlt :s ltobrtc Judgr ef Jrffrron Cqrry. tnrbr rd by
virtr
provit'om of rid,o 4O-IO-2S, l9?5 Cod. of Al&anr' rrC h cqreir|rrfrqr of tho prrr-1; &or
thc
of
rrt qrt td h frth- csrsidcrrtion of tfre :rrn of fivc dolbr to tna h hrrd p.la hn. ti. q grt[.4
6rrrr 98
$tto b tp prret
org:
rd
nolfir
of seid *liflS
of
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t
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ownr r.
o, ,*t bd, rrd d h. rigltt dde lurr
c**n of tr St|| rtd Cotnty on ccorrt of tdd tDt .. s r.*
a.it drcrr h lrd to cr fcfo*ig
']rfr.r.d !o loait
t|crlb.d brcb lrrhrftrr
ilff Pr 6 Lgr 2 oG3rer
8IE trIE IrSn€ Etr
r rrd
n
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h tdd Cqnq
ru
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u6 ltrr.lt thr .-4EIllY
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hf no rlgtx, ridl g'fif.d
of rry mrr*r.|3
ttm
rlc b hotd th| r|l'1
-
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riglt|.
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forevr,
h aaadlf|d i. oorrr.fd hr&t,
$c sir^rE G A.llA|
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t
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. e Hory ftrlac h rd fa .dd Carry. h r*t $a, trtt
jd
illr l. {rfir of Frob|b b JF.d r trr fon.!.grv mryrrr
tddrE
ctfi.iI.E
b.ighiqartof
firoat|nrof i{r
r rdt.rtp
of Fr6.t?.|.f,rd
tr rrrr l.otrrry, o.l t|. dry !r
17rtrc'.t&
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fra,
pzge
7
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t
A-25
Descriptioa
Mer:
i16
: ireffarsoa(At
Comemt: bt
f,m
page
2
Bqnn & Fon.ruleNlr-r'
Arr9llgyi
ltG
COsraaroia
{A} l{o16 Tlsrdc6 Sccct, SdE !f0
UnEr!.Ih&ra
Ib.rII*
06116t*tll0
Pr* Wlll4rgm,c
crE)25r-t6
(At{*51{D(FrB)
Octobr20 2003
cTBtIFIrorfin
RIrmf{ R8crpr npfitD.srEP
rnil U-S rIRSrCI.ASSIIAII
NedL- Andrcw,Ir.
30Ozls $rcs N
SrG.to:l
Birmheh"a AL?52A3
Rc:
Jcllcrror C,oaatypilrll
fu Z&lli6-l>I-l.lxlLRn
Dcsrltft- Andreqn:
I "T *i ,og on behelfof TrencArtFinrncial Crorp fTrrncAn') with r€ry€crro Sc r€rl
prrycrtt refercapodrborrcad idcoificd rs:
SrF,.AITACITFD TA)(DEm FORLEGALDESCRIPTIOTI
(lereiq 6e ?rop€rty).
&l s rbqt IU.ry19' 1999,Dcrtiny 9t puchrscd tbcnopqty ftoo 6p Jeftrsoo County
.
Tor Collectsrc e ranrhofite G td
Fqg Fid m rbePropoiy,'It rl.fr€r, oa o" rUol fuf
lO,zW\ tb Ieftson Conilt &rdecofhobme
ilrlcd r rs doodto Dadft, 9l A copyof rhe
tsr(doedis mloccd.^TrurrAn ie rccpocritrle6r nngiry Dccily gtt id;rcrt h 6c iilpctty.
Wo uodcrrtrndtrd Cr.rry S. eaylon radRobhin W. Grcyrm or;cd tcPnopcrtynfico t*ras
cdd by tk Jcftrroa gTtdt Tq Co[cctor r drinod rm scrrcrlhie ilcr* U m kopcrty.
A rsrt dlc stch ol6t Fop€rty indicaesrtrrt ya! Ee1rw bae rn istcreeth 6rs hi=t
Ifyon do oot hr,lern i6c€tt fu thePro'p€rty ydl bcfia,€ rc hrrt madce ni*rkc '- Afi"g
this to roo, dcasc let us lm.rs: Al hold€rofFG rir d64 lrcadny 93 b onbd to irrmsdiuc
ttigh"
poiecir*rn oftc Ftopcrty,-.erbfcct
ooly to !ry
wl, o. d€rs nry ha1rcurder
thc C&ofAlqni
ora'rydcr rggirttc trw.
Yal hrve .tqT ritghbb rodoerntb prroperty,fulcfudiqgthe rth to fib r 6w3uit rnd
tt"_*!+t
tbe back tr*s rnd fuFcr"rt@ $c trct rrrcc- T; coen toac rigag rd. rny
4y
otberrigfuyul mry hrvq tm dflrld cfirnllt e dorne,y.
TrrnsAn, on bebdf of De$ity 9t, demradsth* po srrrcnder porsgssionof thc
Propary to lL enera*rdy, TrrasAn ruqucststtrt pu nr"ie trn"getnd to prrchrrc from
Dcsdry 98 itr irterectir th€*op€rty. If you rre ioceticodin -If
pffi51d;,g D.dht igt id.*.r io
tho Pmperty, p&crc co@t TrrnrAm ,t (4trpls{I:'ls.
pr ftt d*
E nrn over
ftrffSqdlh-lE.G
4DrkrTllt**Surd"SeJt6
hifhr".r&rnlJ:Dt
t
(105)
Ztr-3m
'0Niht:fi '1S."fr!:fr
c 6 6 8 f* [ { t i l q
rfqnt
nSAtrg
rorllhrrocStcr"Sctgeo
Lgr5rlrrl6t9l
gro r.t_?G,
tnnZ rZ 0l iilnliJi
Alto
olcrr.+a|rr.'16
e**Fr&,csb.rr.S.-Gr2@
Adr.1errrbm
({ol} Ett}O.
tdn
UgErfy.,tso.ar
SrbZlilg
Ji.b.D|xtj?dJ9l0l
ffitrr r<!r_!.1a
(iil HnN'd 1';1il lilnYJ
BIIRR
& FonH^N
LLP
NeaIL. Arrewq Jr.
October2Q2gO3
Prye2
poseessionof &c Psoperty ar requded or to prfrdlco ItcSiEy 9g'r iffi*
in thc proeofgy,
Dcsitfiyg8 sill trks reproprlac lqr! ection u>otrdd posscsdui ofec propcrry, e$jg;
";
l€d righs yur maylae.
If to:t osed to dicarss thfu nfirfi€r with us, ptecse €sbct
(20s),15&548L
@ q l.&rcy Berrdin 1;j
Vcqytrrrtyycra
/,t'tLo
Sruirln S. Elsc&rd
Enclogure
A-27
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JFEPAFI€D
INSTFUMENT
ScndTu Notie To:
BY:
^
R -^r- C*Lt o *
r
E
35224. -
*
ti
f
(wirhods.w;,orstiplAlabama Title Co.r lnc.
DEED
I
T
(
a
I
rE
F
L:
t
i
ig
du'1^
or lL/tSAldA
D
I
9 6 0 L / s 3 8 2
1
'
*,
ln *,o"dotr
fo-
Etdqr&nrd
u.-Frf qy-El$Ir:_Ttt*{q!g-98_u"qdf".g_g
(r4rrBrcr o[r! er bott].
sierrrc
rlrpt
Larln, th. terlpt
h brt|d grirl by t}c lrlnE.r
li rarDrl'&4
I
or
T
Eastcf,rrDoa
to rr gtrltot.
r.f.j:ad
I
r
gilI
CuLIen
t
t-
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r.
6
ecr
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fO *,tf'e
of
ma or uon).
for
lcgal
taXee fOf
lh'D TO EOIJ) t6 tlc rld meartt
;;;l;.;fi*.i.li,iliir
(ognlval
t rn
{4
cldM,
WITTIESS
dorr"d
In
deacriprion.
tlx
lha CUffent
floa
hlo. hu or thv{r hcin rrd rpltor
.hd (or by (crrt
3rc) l.qdrtlf
..tr.d
r.lr-L;;:;J;;.;
h+irr, .r-tl : "
-
of lJay,
]iEicaEionRt
yea!.
sbove tlsg psid
rccllcd
rl6hts
eacuubrancc$,
:' . a
a tlolc8age
losn
executed
(orrvcr'
,aJ idnlnlrE
' '::m!la;
!
r:ort F'lnrttt
Alt -g.*
sit!
tT
tl*
rid
GF.l'lIfEEg'
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i.:t,(*-r 111Y-t^-91
-:: {il\}'rEes th!i' hei'. rnd rukp rorow'
lh.i;;".;;1;;"
;;;'J;;;i;;
dE h*fkl
roll rrd convoy 'nto
ono or |noso), 316 tottowlag daxrlbcd nd gLra.
>'tr{tt
CeurV' Aldr*rr+
che uonslderoglon
berepl-tb.
t fwr) do tdt rifrdt
tlrq
r rld rcritnq
Lcfsln.
rrra\
Renae Cu11on
Ruthia
lttctbct
ro ad walorqn
>262.00
Eastsrdocd
easeDEDrg, resErtct1ona,
t to exisrlng
, of recor,al.
l!
virtfui
"A'
Erbibit
atgsched
g.
Betty
Drmse a/k/a
to ar tt
I
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of rll Ptrmr-
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STATEOF'ALABAJII^
JE8FERSONCAUNTT
9 8 1 3 / S 9 e 9
OW AT.L MDN BY TI{FA TRSSENfS' TI{47
dcrr&od ru dulyurest{ for OrcdbFid :crti.. cturgs endcrir
WHEEEAS.rlr proprty lerEi11rftcr
praviion:ofsoaior t?nfAclnoffrcSpxril Slsion offteLqisleuqfthcStctofAbbrrotof
lg66wlrnqrdsd:tnrt.
WHEREAST
rfticsrid uponril popenlr hrrcfurns dqcrr}od. rrnainod*r rnd orpr$
&c rssc3.trnc{t
tnd dcliugcnt lt thcdlp cf tts s"k tlenof. re hctlic!ftcr ra &nlq rtd,
WI{ERBAS,by virtr ofrtl atnttrlg rc$d in h|rrrbt hw, ttrcEurnrc* Marrgr of $c furotdrlc Firt
d
Hsutc{ cic, m | 9' dry ofoctotrr- I 99\ u l :rlc !4ur u{ r'bfr} lcd o :oil &y, mnadry
6ecrrln rts p!.{ cievcro'chof h fic forqroa ondccnet*g wid$ntfu lq3rl hun of *h oftr fu srb
rt tfrsfirr Dqllrt 7lt lldlh Avcnu Els( bkrriryhrr\ Alrlrorf h l}c bfutrrctblfda frr car!, tte
pnprybctsinrttsr&lctoc(fortkp;peofpryia$S|rnrrrrrrrndlhDitrrcrs{ndt[$Sru.
drlgarrdrarrining onnoi4cArrid fop4r, ilfcr hvint, F.rASitrr nolhc ooccI wo* far dilF
coersrivc nc*s by publiatkn in theBirali4|ugt Po*tHatK e 'rrwprpa puHbtcd r*l o'fgmal
cirullrtiql iu Eir6hetr.E, Jc*ren Colr!. Alrtrrru, tlnt le rvooldsdl rrid pcpeny rt tln rlbrrsrltl
linc r*l ph+v frr thelfdaaid Ftr?o8eo thsmgfits!bitdlr hr crlh ur4
WHEF,EAS,rt Urcrins nld plsccrfo6rid. ForetdalcFireDiirri.rt, bid .rd oFtrrotl!o pqyrhsxln of
Sir l{undrd Ttycc goilrrr & 451100($601,15}lnctsE for &chapbrfttr dcrqibotlpcoptrql,rrNridtwc
$chiGh€t ca$hbid rtellfo(9 ud vhicl rastlE wHa r@uil of nil r$crrncg |rndndcr€r|ld cott'
lhendr*.rd nmrHrS uorid gn sid propqty.urd rllc prd propatyw $leo urd tficc rold to rld
Fqsrtdrlc Fhc Dirria lbrniil pri:c
NOwt TI{EREFORBI B.rry W CofGs..t Ewinsr Manrgg-ofthc FoFstdrh Fnc El'rffi. b ry
oltcbl crptciy rc ssd rtd fe artdorrbdrrlf of r.frt Etodbrrirt |'td fq nndh coniratln ofnrid rrn
lornrru Bqirerc f,trrgh
iiblr*yadowlo{gd
hondprUbt rrU purchrrrr.tp rrrcidrtissf
hrre bilgrin€d rld :ol4 *d t dq ts srrst Bosiru Mr$glr . lsiy *noq, bdph, rq$rrd ss,rt udo
rhegid Forc:rdrleFin Eirrig lftc lblouring,d$sdbGd
rer]rgarcritngd h &eroaCoqty, Ahtnill
to wil:
Addrcss:933Hdlh Arurr errl
'
Prrcrl lD 22^{r8-340r'020m
POF634,5FT NW OF SC'TNTSROF E HEFLN EVE 4 CIIESRYAVET}I N}Y TA}FT S ALO
R/W Trl s .145FT TH E I t7 FT 3 Tll N ,156.?tD) 425(S) FT To POB LylNc lN NE t/4 OF SW lr{
sgcSTPlTSR3W
Tg HAVE AilD lD HOLDrrntorail Fqqtdalc Firc DBttic{, itr rucer*ror,ord r**itrrs, rotjot
htnwcr, ts r|| righu ofrodonptioars pwifiJ by hw.
IN WTNESS WHEREAS,IEarry W Cofitq,Budnqs rt nrtc.rs rhrc*id. hrw hcraraotrl bJ,harrd
'E
l, Doft &a{yr Kt*V, r Nrnrry l\n{h in rd br rld coury Fid rtttc, hrrcty trtti$ ttrt Brry W
Co$ir.rrtro* nrncrs Braisr Mrnrgrr of$xFgrstdrlaFkcffi.
b ripod totl*f,rqshg
of$c
.cotw?t{4Eqs6 *ao bbrorn }c G. rclrillodEn{ DCcccE oothb doyttrg tcftghenlt
eootcnrgffucortvlre,hq,
inbicrprclyrr suctofficgr rnd withfuS ruhorily,Erdrlod lhr3$.r
*olsr{frit dn rltadeythcgnc bren:dr*..
\
'
gircr ofier rd hrndthb.lf dayofGrobcr. l9?8-
A-30
l$ilr {^tdrE.
.|!|f.rilr C'.|t0t
horrrtx
tailDott
Ft6*
1999 OCr 39 A.tt. 1O:?T
OFddrrdt
N$tr
ro,rlot'.'*g':1t
;*t(:E{lroa5.go
R ||rt'lot*L rrfii ol lt lr|r
ffitrnn*mffnffi
9813/8e93
ffi
';r-96n"
A-31
f,'tleNo.: 18977
PolicyNo.: #M-9994{52871
|
Loan No: 0003530565/5,51
;
Preaium:-(.
SCSNDI]L.EA
Dalo of Foliqt
13,2000atL4TFM
LomNo.:
An:orutof Insutalce:
Naraeoflosured:
1. Theestateor
gl.orrlrlin fi6ancial Corporaticn aud its succsssorsand assigns as their intcrests rppgar.
h ttre land vthish is encumb€cedby tho insrted mortgagcis:
FeeSimPle2. Titleo ttrc esntc
Rnttia Cullen
3, Theinsured
That ce*niu
Renle Clrllelr, a
iB.
#200001/4061,
4. Thetandreferrcd
inrerest io fte land is vesoedio:
a.k.nRnthh Rerae CuIIen
andtte assi€fiaentsdrereodif any,alc dcsgribedasfoilqws:
ln the smountof $6'l,550-00dated11p199fileil l/I3/300 0 @1247PM; from Ruthia
womanto Srst ftinklin FinaucingCorporatioErffSrecordedin Instrument
Probateoffice of JeffersonCounty,Alabamu"
infiie policy is dessn-bedas ftllows:
..A'' ATTACEED ffiRETO AND IT{AI}E A PART EERECF.
.Thl! Pollcyis *o! vrlid udes
STEWART TITLE
CU.ARANTY COMTANY
A-32
a:;t-d'-
&ti:T
r.,.{.-f
E..!
-'i,-;.-:+:;:il:
File No.: 18977
EXIIIBIT
frAil
nerof theS 7roftbeM /.of &eSl{ /r ofSection8,Townshipl7 $ouih,Range
3 SresE
Sou*rline of ssid,%- Vascstiotr205.88Set @10fect dccd)to tle point of beginnin$thenlc
lurr lcft 90 degrees1 47' andnm Nor& rnd parallelwith &e Wesrlhc of szid%- %section4J22S fuj (494M
derd)to thc Sou&erty
of wey line of apr$licmad; &cnoc untr riAht lOf degrces25 arimrtcs 42 sccondsanilrun
alongsa riglri of way line I 19-56fcct (120Get mue or leas,deed);thencctlnr righr 78 rtcgrecs
$cnnheastcrly
57
mirutes24 secoacls nn $outhcrly 43121fect (456.66feer decQ to apoinr snthe South llne of seld tl . t/<sectioa;
15 minutes4I seooldsald runEast almg fte Sotdt linc I16,70 fcet (117 fect deed)to &c
tkuce hrnri$t9l
pointoflegiming.
Cc-nrmencealtho SS/
fiencenrn Eastalong
STEWART TITLE
GUARANTY COMPANY
A-33
FilcNo.r 18977
SCHEDUI,EB
againstlossor .lorqge (snd&o coupanywill not pay 6osts,attoney$'fccsor ocpeuses)
Thispolicy doesnot
which arise byrce$on
GIJ.{ERAL
I. Ibispolicydoes
which arise by
L Righe or claius of
3. Easemcnls,
m
4
'Encroacbmenb,
'nspectionoftle
5, .{ny lien, ortigltt
:;bovrabythopub
6.
'laxes
orspeciel
.liencrelExccptions
insurc agaiustloss or danage (aadtbc Coupany will not pey cotts, atttueys' feesc ocpcnscs)
ot
in possessiou
not shownby thepubllcrecordsof easemcutq
not shownby &e pnblicrecuds.
bormdarylbe disputes,m othrr raatterrwirichwouldbc diaclosedby a! scsurete
surveyor
linco frr services,hbor or material herctoforecr hereafterftmishod, imposed by law andnot
rrhich arenot showaasexisrbglicn$by tbepublioreords.
rrNOlvE?rarehecobyomibd ftoa thisIOAtit POilCY.
IiPECIAL
forycat 1999asd all srbsequcntyeffi. EID #22{8-3{02-020
'Thbr Foftcylt hot valid urilcs
Page? of 4
A rsd Srtcdllc B rro hdrdcd.u
S T E W A . R TT T T L E
GUARANTY COMTANY
A-34
Fileltb.:1897?
SCEEDULE&.II
In rdditim to tbc
rct.irred !o i[
affsrffiinatetothe
lind describedr r
serforrh tn PartI of this $dedulq lhe tkle to drc esureor increst i:a&e
A is subjecto Se followiagmatms, if anybe show4but the Conpaoyhsuresthst suchmsttqr
tr inbrest
eaor chargeofthe insuredmortragerrponsaidestatE
1. NONE
Pngc 3 of4
.11 I p6glsy15pot valid
SchcdrlcA nnd Stl*dulcB trc inclsdcd.-
S T E W A R . TT I T L T
GUARANTY COMP.A,NY
A-35
ENDOF.SEME}ITATIACEED TO A4III}}fANE A PART
OBTOIICY O]I.TTTI,EN{SI]RAI{CC.SRTAL NTIhdBEN.
fl[-999/L3628?14 ISSUEDBy
FILENO.: 189?7
ftn dtis ltsDge {r}llln
STTTVARTTITLE
GUARAI{T5' CTIT4PA}[I'
ITEREXNCAIIEO
TTIECI}L{PANY
Tk insurarce aforded
TheCompacyhsmes
ovc{i
(4
any etrYirciefirnl
smrutcsar lhe Date
for vahrc ard
tte lzrdi! lrcstad,
(b) :f,y Bflvitoffoarfol
pmectioa licus
this eadortemcort
is otly cffcctivoifilc hn{ is xscdtr futo bc usedpriraarily ftr resid€orisl;rrqposcs.
ireuredapins losso:,lq'nagesustaircdbyxaason
of lack of priority of de licn qf thc In*rcd mongrgc
r liro wbi*, at fte Daa. of Polirry,ls rccordedin ihoscpublic tccorrls eshblishedundcrsht r
of ra&rs'relrtin- g to rcal_mperqrm pur*ai"i ,
{qq1gqy3lT:le"Cg-*qr.$*Iod9
wludee
qg4Fgry recoreirftE
g or
assctfonLin Scbcdrrh
clertof ftc lhiled Sreres
distri#carrf&d;-,lGdi"*hi.;
gtio*ntila ppvi+d It by' ary statcshture ia offest at rtc Daie of Policy, cxcqt errvironncnh!
Er oy llr9 lollowEgstarB$q!Itc$
No Exc4riou.
For rlw purposesofthis
pmrecdonliea arisilg or
ph (b) s staEls shall be decerd a 'sttrtt setnilerooly inso&r as ir provilcs fc oa snvironmenE
byrcasolofraters orbtr thauthos listeilundcrtbrcludodMaug" bctow.
ExcludedMatds:
(r)
plDot aliEerse$pe3b
(x) uatar &ainagc u
lxovisiors do not
{fii) snowor lce
(ivl clarg6s, taaes 6
(orcepr whccc
hiaardousor bxic
lodemi
cotrkol minlng rcchmation,weed abgtc,aedr,or unfit buildiugs lwturo rbe applimblesautoq
ortoxicuastesusubnnccs);
f relarctopoUurionor& bazardous
|EsEedts
au&mbcdby uy sErc6iahh to be iwlFoscd
by localpoliricalnibdivistotrsor ilisrlcs ol lhc sar
chargcs,tp<cso!: assessneot$by ergrEssprovisionsof rlre 4plicablc samte. rdare lo pollutio or tr
lsnc orsubrcwcr).
a Partof thepolicy andie rubjocto all of thetaras ald!$viriens &r,reof ard of ay prior eudorscmcnt
tlenrto. Excapt to rbe rt* caressly srercd,it qei&e asiifies ny of tLc buns agd
of &e policy rird aay pno
end.:.rseocnts,
aon does cxhgd lie e$ectiveDataof &c PoDqgud ary IEio( eadolsecra, aot doesit ilcreasetre faccsmoun
&e[:ol
Ttril eadogeocut is
Sigrrcdurrde sealfor Sg
, bur this endorse,nmtis to be valid only wheuirbears an nrthorlged countsrsiguture.
STEWARTTTTT,E
FAnAXrx colrPAlrf
)"
Cotrntaslgncd:
Corpauy
Sate
nlTrr EI|DORSEMEhIT-
I (EovimmcnnlPruccdonucr9 6a2-661
A-36
P.C.
BANKSC.LADD,
TTAV
TTIVRNEV
N lUBAI'tt ANDMISS|SSIPPI
LICEN:iF'O
Tele$ronc@5U431.6000
Far (251)43t'6006
F-maih bclsdd@'bellsouth-na
Ptrrrical Address:
209N. JoachimSt.
Ir{obile. AL 36503
:Mailing Addrc'ss:
P.O.Box l5'l
Mobilq AL 36633-1254
March8,2005
VIA F'AC$IMtr4: {7131218-36$
Ms. Bernelllfuwkins
LITTON LOA}.I SERVICING,LP
4828Lnop CeatralDrive
Houston,TX7?081
Re:
PropertyAddre$:
933 Heflin AvenueFasf Bhmfurgham,AI- 35214
DearMs.Flewkins:
Yourcquesedinformstiotl
Aswediscussedonthephoae,fueptesenlFirstltoperties,L-LC'
p'ropcrty.
Its claury rclateto e
to First froperties,Li.c-'s claimsto tlre abovereferenced
reLraling
origigl
fire duacforeclosureaeedissueaby tbe ForestdoleFire District br unpaiil fire duos-_
lne
The
19,
1998.
ou
kober
cotrdrnted
was
fire
dues
fire due foreclozuleJe relatingio these
later
corrveyed
Firc
Disnict
Forestdale
ForestdaleFire District wastre p*"t aserat that sale. The
its intcresrin theproper{yto Firit Prcperties,L^L.c. by quitelaim deeddarsdDecember18' 2004'
Baseduponmy evaluationof this irformation, it is my opiniontbatyour company'salleged
periodfor lEdrtfiing
'oortgageoa ttreproptrty is outsidethe chain of tifle. Furtherruorqthe time
holds
fee
simpletitle to thia
L.L'C.
tbs pio;s*y hastongsilce expired.Therefore,First Properties,
propertywhiohis not subjectto yolr company'smortgage'
lf you would like to discussthis matterwith me fu*hee pleasegive me a call at thenunber
above.
WitJrwamrestporsonalregards,I arn
Verytnrlyyours,
BCMm
cc': JolmT. Bender,Esq.(via f-acsiraile:342-945n'
A-37
BANKSC. LADD, P.C.
ITTORNEYNTUW
IN NLTBIMNAND MISSISSIPPI
I.ICENSED
(25t) 43l-6n00
Tetcphonc
Fax(Z5l) 431-6006
lsouth.net
E-rnall bcladd@b€l
MalllngAddress:
P.o' tsox1254
Mobile,AL 36633-1354
PhyslcolAddress;
209N. JoaqhimStMobile,Al" 36603
APril2L'2005
vIA FACSIMILET 3a2-9{57
John T. Bendor,Bsq.
MCFADDEN.LYON & ROUSE,L.L.C,
718DowntowncrBlvd.
Mobile.AL 36609
Re:
AI.352l4
933Heflin AvenueEasqBirmingham,
DearJohnT.:
Plea.ce
find the affached.'lireduesforeclosursdeedrelatingto thc abovcreferencedrnatter.
Ifyou haveeny additionalguestions,pleasegir.eme a call at the numberabovs.
With warmestpcrsonalregads,I am
BANKSC.LADi)
BCI/lm
Attachment
A-38
rH TgE PROBIITE'Co[tRTGtr J$$F€'RSON
C:culffY'* A*
Rq$trCrlt'r$smt
933 gi{f:@ AvrraoEart
sirnhgbsla' AL 3581+3'U9
::-.{
cwerctFs ro B!dr@! lrrcat porrrart b
Tlo
Y H:*tl
ormr.in' !9m' riltBcdn 12'Ad
or?"6lEisi,cuoc
scrtto;* 6. rr*bburilr st 1966{ cibrl4Fra$
Ns. ;te;;pJJ
aglcidcil
'vAFsnr{G"oqFpEE46
tbat Rbcretr rqtrrded lu my offico }n Dd
TAI(E
of ffilc!
DLattd Servitu Clergc Srtc M
m93
Yon rc **lcd
tor?rct
Eook 9Sl3 pagc
&! sBacLcd tl e
urdor ym'
thrt rolgc yfl, or ttocr sldnllg
drpc to redccn {rou thorc clCpieg rrdcr la6 n"4
trlc
rtl rlghE
may bc lort
of
Thi.r ll$.' drY of - f ilea:@E
Jclfcr:oa Cbrnt'r AnDeH
9r:*lf^btq
I ect*rrl*rrir
atd Deughccy
eooa JL%I4 08:?Sr1039?lH
ClcrytOauehalY
601GctdItYDt
AL 3522s
l|.
rdl
r
sdrlc FircDirtrist
IlcllinAveoc Ean
AL 152t4
I
-.tft'ECe-+,
..Cq
nlr{!t3
l&b
Drdbdt!-A'r
I'OO ..r..
l.0O
ilrcl|A|o. f ill& Jr-r { }t!.dr
,#ffitiltlilE
a00a0e/6tr6
r s*TSr I
t l
A-39
resdrilrLlon:
trderi d.aas
200d09.
JoffjeraontAL
@anr:Xr
..
I
INT}iA
tutbhCElks Bumas
t33tt &AvcrucEs?
$lrdagfrq-Ai. 3$13+t{1e
2 o 0 4 0 9/ 6 4 1 3
cEjnr[m$^qF8
I hercby
cogy ofilrc dccd
rsdEctn n cadr
prcpcny6acin
cach sgch
Ccrtifcatc' I nailed a cotrt$ssd
tlai o[ o prior m fte darc of lbis
to
the ssffc iE herc' uil uaraiug
ncordc4 togctbctru'ift noticc tb'Er
gmlrtccin eild dct4 rouihoxtlho
tLc ono ormor€IrtrEons ofisf rhsnse
foradvalorem
war last Gnaltyasseesed
taxarionar thead&sof
records'
as shown by eaid ad valorE n I:}x asscgcncsn
This tr\c t3ih dsY-!gh-,2004'
COUIffY
JEFFER.SON
cc: DaugbertY
AET:
t60l
DrsghodY
Donghcilty
Dr.
AL 35214
Discicl
AvoouEaat
AL 35214
I l-isr
I l--
I
i
'a'
:.
'r'r'!:,
:i:i _, ..
:'{._
ja
Dasaipt
atfder:
ion:
cl(l'r/a's
C@,es't:
i:f'-*
-+'-
2 O 0 4 L 7 / O 5 8 7
Stnd f!:NoictTa
FiInhotcr(i.+LLcP-O, Bor l25a
Mobilc, AL 366t1-1254
B:tt) rll{fto
ThLDooncar
O'ifyl
A.
160l GcodllyDdvc
BiroilglEr. AL
;mrn2qw
$rr.olAhlilm
Cardyo(
bY
lfiowalnon
prtrcaq lletr
oftbc:run otTfo"It
ra;rl€nnres, ?lnr,Pmadrkr. LLC- havhEFid !o ttc srfu C'r$br'
ur€lDolo Jruf utd cll rum bcrngqrftcicnt to covcrGc cbrf3€ Gv eid
irui*st rrrrl crsu of eo]lccion r:d
ForsdrbFit
nrchdhg il| 9H d€lrrq$td
firE &16, Pan[hA
cod of forcdglrc
ary orrdrr fuE fiEs fuddh
t!. llr tcat 20O0.whi6h lrld G tElr cndr on
p||s$il to 'sactioo tJ $ Aa 7v af tk Sptd
Dcgrnbcrll,
1966.aa*r&t
dcrowlcdeBd sdd
Laltt prirl ro iw undcrriSnod. rlo rceip
firc Ditltifthetcby
qrrircl*nr
setsna{rhc Alutune LcSislanrco[
rnd erfficicncy rltratolir
hacby
sdd pro9crtt dcrctftcd hecir*clow
rl
folto'vri
NOt/,
Ehr-B&krr
crprilyrgsrldr.
paidby suid
do.h rnyofrlcirl
I. Mlkc Chmbcrr. Prr:ridan of thc B'q{
forcclogc
h*r!y
gr$A bqtiq
thc uoerrd
ftftdoJurc trh
gm in hrnd
rolt. convcy uld anign, (rlbjca
fYood{hqlJ.g,-dl
ro trr tcgel owner'r
|hc tidl'
litlectd
oxrcr prior to saiil Forcelorurcslk hr'fi! on Ottob+r | 9F
rfn prctusqf uhD puruhucd ra{d prnp:rry at thc
'n lrulruqrcrr
o O.lobcr lro tcq8. wilh nid forgclouru dGtdbcirgrccordrd
gnl
rrfordnc hgel orvne *iutc rlury il *lr IoP$'Jbc said frc dur Pri<rto
by rld (iru*or r.n th.' lai doy of Octohcr. t 948. tic follo*ng rcol etElc
ofForutddt
ualc
in hi* olficbl
rharcEigtsU s6cicncy is hcnbryrcrnowtcddt4 hnc brgtilcd tnd told' Ed I
inrcrg of
lgtSndbc
'rt thelg€!6k
for lad or Udrelf of rnid lire dimrq. rlr't tor end in cudidctalorr r{soil
nndcr Alabrmr l-nw). unlo rl|c sad m{
rlgbtof
ofl'nrnlc!
Gorporalbn orgulzcdrndcr lhc hwof Lcsrereo(Alrbrm'
Fke Disirr,
shltcd in
CdurtY. AhtE tl4 b eit
LE€AL
lw l20FTS
AVUTH
tON: POB63{-6FT Nw Otj r-}v lN'fF,R(}F E HEFl.tNAvE & r-tlERRy
(s)Fl'rt' FOBLYIN(' tN
nrwnr s gr !T lll E I l? Fr:i rH N {-16-7(D)'l?5
llE %oFslr, %
tT? 17sR3W
-r'i
TTRCELID:
STIEET
.ti
93I HE}]-|N AVL},|UC.tiAs l'. BlRr{lt{GHAIvl'AL 3J2:4
El'"
EJ
frlcrrlrernc-Book.
Page 200 477 . 597 Page :
A.41
E a,t--
.;_
QurrctAlM
DcGGmbCfltr 2004 9
PROPERfY:
TO HAVE
Frrtstdrlc Firc
LIJ DATED
TORESTDATENRg DISTRICT'I O t'IRSTPROPERTTIiS,
Two
KEFI,IN
ATTENUE, EAST - EIRI'IIN6HAI{,
TO HO|D, l. Miko Checrbffr hrrldroq
AT{
of rhc Bocr{ o[ Fnrf,|Gdroffie
in hieofficiol Crpacity,h.Gbct!ftno Jrt hir bandmd scgt,|tri<thc t au DnY Of
2o0.'
DECET,IBER
Forrstdofa Flrc l)Xslri{l- a puhlic crrpootlon
:i't\N\!
B;aMf("ctGffi
of?hc Boud ofTrugrccrofdE
l-'orcndakFifcDifricr
STA1EOT
COUNTYOF
l. {rs
Chobcnr
cmvlyrcc,!d
oo.atrofthc
uolworily on ihc
cd. r Ntrwy Pubtic in and for riid stlts rill Cdltty. hcttby scflrS thd Mikc
of ibc Forrdrlc Fit! Dilrld' b riened ra fta fsr€oh!,
ol'trc soFd orrnecr
irtoarlro mr. tdoErlcd6crl bderc lrontHrdry h barl refrru*dofihc
,oco. trc U rrir orncial crt*ity nd wtll ftll udrority. ircc!.d dris inffil€ilt
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