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HomeMy WebLinkAbout934419 - - - - - -- - - ~ ~ WCDA DOWN PAYMENT LQAN MORTGAGE Loan Number: 0062341813 000078 This Mortgage e'Security Instrument") is given on. OCTOBER 2681, 2007. The Mortgagor is RUSSELL OLOFSON, whose address is 12 JAMES WAY, FREDOM WY 83120, ("Borrower"). This Security Instrument is given to FIRST HORJZON HOME LOANS, a division of FIRST TENNESSEE BANK, N.A., who is organized and existing under the laws of THE STATE OF KANSAS and whQse adc:lress is 4000 HORIZON WAY, IRVING, TIC 75063 ("Lender"). Borrower owed Lender the principal $um of TWO THOUSAND FIVE HUNDRED DOLLARS ($2500). This debt is evidenced by Borrower's Note dated the same date as this Secul'ity Instrument ("Note"), which provides for monthly payments. with the full debt, if not paid earlier, due and payable on , Nov(:tnber lIt, 2015. this S~ornity Instrument secures to Lender: (a) the repayment of the debt evidenced by the Note, with inter~t. and all renewals, extensions and modifications; (b) the payment of all other sums, with interest, advanced under Paragraph 6 to protect the secrnity of this Security Instrument; and (c) the performance of Borrowcris oovenants and agreements under thh; Security rnstrurnen~ and the Note. For tills purpose, Borrower does hereby mortgage, grant and convey to Lender, with power of sale, the following described property located in LINCOLN COUNTY, Wyoming: SEE ATTACHED EXHIBIT "A" RECEIVED 10/29/2007 at 3:47 PM RECEIVING # 934419 BOOK: 677 PAGE: 78 JEANNE WAGNER LINCOLN COUNTY CLERK, KEMMERER, WY dO l /, L j V J:;,l which has the address of 12 James Way, Freedom, Wy 83120 TOGETHER WITH all the improvements now or hereafter ereoted on the property, and all easements, rights. appurtenances, rents, rQyaltìes, mineral. oU and gas rights and profits, water ríghts and stock and all fixtures now or hereafter a part of the property. All replacements and additions shall also be covered by this Security Instrument. All of the foregoing ís referred 10 in thís Security Instrwne11t as "Property". BORROWER COVENANTS that Borrower is lawfully seized of the estate hereby conveyed and has the right to mortgage, grant and convey the Property and that the Property is unencumbered, exoept for encumbrances of record. Borrower warrants and will defend generally MPP Form 219 the title to the Property against all claims and demamis, subject to any encumbrances of record. 1. Payment of :P'riudpal, In'ere~t, Default In'terelU And Latc Charge.. Borrowor shaH pay when dut' the principal of. and interest on, the debt evidenced by the Note. default interest, if applicable, and late charges due under the Note. 1 '-U:T-25-: 4:09 First Horizon .26 ... - -..... 2. Payment of Taxes, Insurance aDd Other Charges. Borrower shall make titnely payment of any (a) taxes am! special asses$tI1ents levied or to be levied against the Property, (b) leasehold payments or ground rents on the Property, and (0) premiums for insurance required by Paragraph 4. The Borrower shall furnish proof of p~yment to Lender upon request by the Lender. 000079 3. Application of Payments. All payments under Paragraphs 1 and 2 shall be applied by Lender ~s follows! First, to interest due under the Note; Second~ to amortization of the principal o.fthe Note Third, 1;0 late charges due UDder the Note. 4. Fire, Flood and Otber Hazard Insurance. Borrower shall insure all improvements on the Property, whether now in eÃistence or subsequently erected, against any hazards, casualties, and contingenèÍos, including (ltC, for whlch Lender requi.res insurance. This insurance shall be maintained in the amounts and for the periods that Lender r~quires, Borrower shall also insure all improvements oIl. the Property, whether now in existence or subsequently erected against 10s5 by floods to the extent req~ir~d by the L(!pder. All insurance sball be carried with companies approved by Lender. The ìnsurance po1iciC,8 and any renewals shall inolude loss payable clauses in favor of, and in a form acceptable to, Lender, Borrower shall furnish a oopy of the policy or policies of in~urance to the Lender upon request by the Lender. In the event of loss, Borrower shall give Lender immediate notice by mail. Lender may make proof of loss if not made promptly by BOITower. Each insurance company concerned is hereby authorized and directed to make payment for such toss directly to Lender, instead of to BI;>ITOWer md to Lender Jointly. All or any part of the in.surance proçeeds may be applied by Lender, at its optiof\, either (a) tQ the reduction of the ìndebt~dness und~r the, Note and tms Security Instrum~nt:. first tQ any deJinquent amounts appUeçlln the order in Paragraph 3, and then to prepayment of prin~ipa1 or . (b) to the restoration or repair of the damaged prop\1:rty. Any application of the pröceeds to the principal shall not extend or postpone the due date of the monthly payments which W'~ referred to in Paragraph 2, or change the amoW1t of such payments. A11.y excess insurance prwceds over an amount required to pay flil QUtstand.il1g in.debtedness W1der the Note and this Security Instrument shall be paid to the entity legally entitled hereto, In the event of foreclosure of this Security Instrument Of other transfer of title to the Property that extinguishes the indebtedness, aU right) title and inter(!9t of Borrower in and to insurance policies in force shall pass to the purchaser. 5. Oceupancy, Presen'atioD, Maintenance and Protection of the Property; BorrQwer's Loan Applìcation; Leaseholdø. Borrower shalt occupy, establish. and use the Property as Borrower's principal residence withinsixt)' days after the eAecution of this Security Instrument and shall continue to occupy the Property as prinuipul r~l;Iidt:nc", within "Ixty d&yr;¡ ¡1ftc::r the: e::x;çcution of this Se:curity Instnum~nt and shall continue ~o occupy th~ Property as :Borrower's prln¡;ipaL residence for at least One year :,j,fter the date of occupancy, unless the Lender determines this requirement will cause \IDdue hardship for Borrower, or unless extenuating clrcwnstances exist which are beyond Borrower's control. Borrower shalt notify 2 LendeJ'3 of ~y extenuating circwnstanc<:s. Bon-ower shall not corrnnit waste or de5troy, damage or substantially change the Property or allow the Property to deteriornte, reasonable wear and tear excepted. Lender may inspect the Property ìf the Property is vacant or abandoned or the 10an is in default. Lender may take reasonable action to protect and preserve such vacant or abandoned Property. Bon'ower shall also be in default if Borrower, during the loan application process. gave materially false or inaccurate information or statements to Lender (or failed to provide Lender with any material information) in connection with the loan evidenced by the Note, including, but not linùted to, rCl'resentations concerrung Borrower's occupancy of the Property as a prinçipal residence. If this Security Instrument is on a leasehold, Borrower shall comply with the provisions of the lease. If BOITOwer acquires fee title to the Property, the Jeasehold and fee title shall not be merged unle9!1 Lender agrees to the merger in writing. 00008.0 6. Cbarges to Borrower and FrotectiDD of LeDder~s Rights in the Property, Borrower shall pay aU governmental or municipal charges, fwes and impositions that are not included in Paragraph 2. Borrower shall pay thege obligations on time directly to the entity which is owed the payment. If failure to pay would adversely affect Lender's interest in the Property, upon Lender's request, Borrower shall promptly f\u'~sh to Lcnder receipts .,videncing 1he~~ payments. If Borrower falls to make these payments or the payments required by Paragraph 2. or fails to perfonn any other covenants and agreements contained In this Security Instrument, or there is a legal proceeding that may significantly affect Lender's rights In the Property (such as a proceeding in bankruptcy, for condemn¡tion or to enforce laws or regulations), then Lender may do and pay whatever ìs necessary to protect the value of the Prop~rty and Lender's rights in the Property, including payment of taXes, hazard insurance and other items mentioned in Paragraph 2. Any amounts disbursed by Lender under this Paragraph shall become an additiona.l debt of B01Tower and be secured by this Security Instrument. These amounts shall bear interest from the date of disbursement, at the Note rate, or the default interest rate, and a.t the option of Lender, shall be immediately due and payable. 7. Condemnation. The proceeds of any award or claim for damages, direct ör consequential, in CQnnection with any condemnation or other taking of any part of the Property, or for conveyance in plaoe of condemnation, are hereby assigned and shall be paid to Lender to the extent of the full amoW1t of the indebtedness that remains unpaíd I,.I.Oder the Note and this Security Instrument. Lender shall apply s1,1ch proceeds to the reduction of the indebtedness under the Note and this Security Instrwnent, first to any delù1quent amounts applied in the order provided in Paragraph 3, and then to prepayment of principal. Any application of the proceedB to the principal shall not extend or postpone the due date of the monthly payments, which are ref~rred to in Paragraph 2, or change the amount of such payments. Any exces~ proceeds over an amo~U1t required to pay all ou.tstanding indebtedness under the Note and thi5Security Instrument shall be paid to the entity legally entitled thereto. 8. Grounds for Aççvlcrntiou ot Debt. (a) 'Default. Lender may require immediate payment in full of all sums secured by this Security Instrument if: 3 ,:II::T -26-: -... - - - . 4:09 First Horizon .28 (i) Borrowel' defaults by failing to pay in full any mont.Wy payment required by this Security Instrwnent prior to or on the due date of the next mont1ùy payment, or, (ii) Borrower defaults by failing, for a p~rlod of thirty days, to perform any other obligations contained in this Security Instrument. ÓOOO,~ (b) Sale WithoQt Credit Approval. Lender shall, if permitted by applicable law, require irrunediate payment in full of all the sums secured by this Security Instrument if: (i) All or part of the Property, or a beneficial interest in a trust owning all or part of the Property, Is sold or otherwise transferred (other than by devise or descent) by the Borrower, and (ii) The Property is not occupied by the purch.a.ter or grantee as his or her principal residence, or the purchaser or grantee does ~o occupy the Property but h1s or her credit has not been approved in accordance with the requirements of the Lender, (c) Default Interest. If Lender has not received the full monthly payment required by the Security Instrument 'by the end of the thirty day calendar days afier the pa.yment h¡ due, Lender ma)' increase the interest rate as described in Paragraph 2 of the Notß to twelve percent (12%). Lender may choose Dot to exercis" this option without waiving its right in the event of any subsequent default, (d) No Waiver. If circumstances occur that would permit Lender to require immediate p~y:ment in full, but Lender does not require such payments, Lender does not waive its rights with respect to subsequent events. 9. Reinstatement. BOlTower hu the right to be reinstàted if Lender has required immediate payment in full because of Borrower's faílur~ to pay W1 mnoQnt du~ under the Note or this Security Instrument. This right applies even after foreclosure proceedings are instituted. To reinstate the Security Instrument, Borrower shaH temi~r in a lump sum all amounts required to bring Borrower'$ aCQount c\lrrent including, to the extent they are obliga.1ions of Borrower under this Security Imitrument, foreclosure costs and reasonable and customary attorneys' fees Md expenses properly associated with the forecloS\lre proceeding. Upon reinstatement by Borrower, this Security Instrument and the obligations, that it secures shall remain in effect as if Lender had not required immediate payment in full. However, Lender is not required to permit reInstatement ir. (ì) Lender has accElþted reinstatement after the commencemel,t of foreclosure proceedings within two years immediately precedirlg the commencement of a current foreclosure proceeding, (ii) reinstatement will preclude foreclosure on different grounds in the future, or (iii) reinstatement will adversely affect the priority of the lien created by this Security Instrument. 10. Borrower Not ReleasedJ ForbearaDce by Lender Not a. W~Yicr. ExtensiçJn of the tlm.e ofpa;yment Or molOil·neätion oromorti~tion of the sums :secured by tbis Security Instrument ijra.uted by Lend.er to a.ny succc:s:sor in. interest of Borrowcr shalt not operate to release the liability of the original BOlTower or Borrower's successor in interest. Lender shall not be required to commence prooeedings against any successor in interest or refuse to extend time for payment or otherwise modify 4 ~)\_, ~ U!_: U\.IV I . .. -.. .-... .. _.... amortization of the SUl11S secured by this Security Instrument by reason of any demand made by the original Borrower or Borrower's SUQoesso1:S in interest. Any forbearance by Lender in exercising any right or remedy shall not be a waiver of or preclude the exercise of any right or remedy. 000082 11. Successors and AS$igns Bound; Joint and .everaI Liability; Co..signers, The covenants and agreements of thi~ Security Instrument shall binò ~d benefit the successors and assigns of Lender and Borrower, subject to the provisions of Paragraph 8 (b), Borrower's covenants and agreements shall be joint and several. Any Borrower who co·signs tbis Security Instrumen1 does not exeoute the Note: (a) is co-signing this Security Instrument only to mortgage, grant Md convey that Borrower'!! interest in the Property under the tenns of this ~UJ'ity Instrument; (b) is not personally obligated to pay the sums secured by this Security Instrument; and (c) agrees that Lender and a.ny other Borrower may agree to extend, modify, forbear or make any accommodations with regard to the terms of this Security Instrument or the Note without that Borrower's consent. 12. Notices. Aoy notice to Borrower provided fOf in this Security Instrument shall be given by delivering it or by mailing it by first class mail unles5 applicable law requires use of another method. The notice shall be directed to the property address or any other address Borrower designates by notice to Lender. Any notice to Lender shall be given by first class mDÌL to Lender's address stated herein or any address Lender designates by notice to Borrower. Any notice provided for in this Soçurlty Instrument shall be deemed to have been given to Borrower or Lender when given as provided in this paragraph, 13. G overniD ¡ Lßw; SeferabiUty. This SecUJ'ity Instrument shall be gov~med by Federal law and the law of the jurisdiction in which the Property is located. In the event "that any provisíon or clause of this Security Instrument or the Note oonflicts with applicable law, such oonflict shall not affect other 'provisionsof this Security Instrument or the Note which can be given effect without the conflicting provision. To this end the provision of this Security InstrUment and the Note are declared to be severable. 14. Borrower's CQPY' Borrower shall be given one conformed copy of this Security In$trument. 15. A5signment of Rents. Borrower unconditionally assign$ and transfers to Lender all the rents and revenues of the Property. Borrower authorized Lender or Lender' ) agents to oollect the rents and revenu(\s and hereby directs each tenant of the Property to pay the rents to Lender or Lender's agents. However, prior to Lendor's notice to Borrower of Borrower's breaoh of any covenant or agreement in the Secu.rity Instrumen't, Borrower shall collect and receive all rents and revenues of the Property alì trustee for the benefit of Lender MJld Borrowt'r. This ¡1sljignment of rents constitutes an absolut= assignment and not an assigrunent for additional !il.t!curity only. Xf Lenòer .lvQ6 notice of bTcnch to SOn'DW=: (1£) u.ll rents ree.Lve by Borrower shall be held b)' Borrower as trustee for benefit of Lender only. to be applied to th~ sUmS aecured by the Security instrument; (b) Lender shall be! entitled to collect and receive all of1:he rents of the Property; and (c) each tenant of the Property shaH pa.y all rents 5 (rCT-Z6- 4:09 First Horizon . ,30 due and unpaid to Lender or Lender's agent on Lender's written demand to the tenant 000083 Borrower has not executed any prior assignment of the rents and has not and will not perform. any act that would prevent Lender from exercising its rights W1der this Paragraph 15. Lender shall not be required to enter upon, take control of or maintain the Property before or after giving notice of breach to Borrower. How~vt;:r, Lender O~ ajWicially appointed receiver may do so at any time there is a breach. AIly applicaùon of rents sha1l not cure or waive any default or invaUdote any other right or remedy of Lender, Tbis assignment ofronts of the property shall terminate when the debt secured by the Security InSÌl'1.Unent is paid in full. The Lender or a judicially appointed reoeiver shall not be required to post any bond or other security to enter upon, take control of or maintain the property, NON·UNIFQRM COVENANTS. Borrower and Lender further covenant and agree as follows: 16. Foreclosure Procedure. If Lender requires immediate payment in full under Paragraph 8, Lender may invoke the power of sale and any other remedies permitted by applicable law. Lender shall be entitled to collect all expenses mOUlTed in pursuing the remedies provided in this Paragraph 16, including, but not limited to, reasonable attorneys' fees and ço~t, Qftitle evidençe. If Lender invokes the power of sale, Lender shall give notice of intent to foreclose to Borrower and tQ the person in possession of the Property, if different., in accordance with appHcable law, Lender $hal1 give notioe of the sale to Borrower in the manner provided In Paragt'aph 12, Lende~' shall publish notice of sale, and the Property shall be sold in the manner prescribed by applicable law. Lender or its designee may purchase th~ Property at any sale. The proceeds of the sale shall be applied in the followin~ order: (a) to all expenses of $ale) including, but not 1imited to, reasonable attorneys' fees; (b) to aU sums secured by tWs Security Instrument; and (c) any excess to th~ person or per~ons legally entitled to it. 17. ReleølJ~. Upon payment of all sums secured by this Security lnstrwnent, Lender shall release this Security Instrument without charge to Borrower. Borrower shell pay any recordation costs, 18. Waivers. BO!10Wer waives a.ll rigbts of homestead exemption in the Property and relinquish"s all rights of curtesy and dower in the Property. Riden to this Se~urity Instrument. If one or more rldet$ are executed by Borrower and record¢d together with this Secwity Instrwnent, the covenants of each such rider shall be inoorporated ínto and shall amend and supplement the covenants and agreements of this Security Instrument ae ìf the rider(s) were in a part of thi$ Security Instrument. [Check ~ppUcable space(s)J, CondominIum Rider _ Orl:1.duated Payment Rider _ Growing Equity Rider _ Planned Unit Development 6 Rider _ . Other [Specify] Other 000084 BY SIGNING BELOW. Borrower accepts and agrees to the tenns contained in pages 1 through 7 of this Security Instrument and in ny rider(s) exeouted by Borrower and recorded with it. Witnesses: Borrower Borrower Borrower STATE OF WYOMING,1~ County 58: The fOt¡)going instrument was .cknowlOJlged before me this ~cA J ~ &):ll~ d to 1 by (\LlA.¡'\.lH Q _~ 0 ð-tSOY) My Commission Expires: V (d'ì I dO I ( \::À\Jlli^- Notary Public H.\, j ,i::.H-NUIAflYPUgUC -- ~ Slate of , Wyoming ( County 01 Teton My Commission Explm 8/2912011 7 000085 CONDOMINIUM RIDER THIS CONDOMINIUM RIDER is made this 26th day of October, 2007 and is incorporated into and shall be deemed to amend and supplement the Mortgage, Deed of Trust or Security Deed (the "Security Instrument") of the same date given by the undersigned (the "Borrower") to secure Borrower's Note to FIRST HORIZON HOME LOANS, A DIVISION OF FIRST TENNESSEE BANK N.A. (the "Lender") of the same date and covering the property described in the Security Instrument and located at: 12 JAMES WAY, FREEDOM, Wyoming 83120 [Property Address] The Property includes a unit in, together with an undivided interest in the common elements of, a condominium project known as: STATELINE CONDOMINIUMS [Name of Condominium Project] (the "Condominium Project"). If the owners association or other entity which acts for the Condominium Project (the "Owners Association") holds title to property for the benefit or use of its members or shareholders, the Property also includes Borrower's interest in the Owners Association and the uses, proceeds and benefits of Borrower's interest. CONDOMINIUM COVENANTS. In addition to the covenants and agreements made in the Security Instrument, Borrower and Lender further covenant and agree as follows: A. Condominium Obligations. Borrower shall perform all of Borrower's obligations under the Condominium Project's Constituent Documents. The "Constituent Documents" are the: (i) Declaration or any other document which creates the Condominium Project; (ii) by-laws; (iii) code of regulations; and (iv) other equivalent documents. Borrower shall promptly pay, when due, all dues and assessments imposed pursuant to the Constituent Documents. B. Hazard Insurance. So long as the Owner~ Association maintains, with a generally accepted insurance carrier, a "master" or "blanket" policy on the Condominium Project which is satisfactory to Lender and which provides insurance coverage in the amounts (including deductible levels), for the periods, and against loss by fire, hazards included within the term "extended coverage," and any other hazards, including, but not limited to, earthquakes and floods, from which Lender requires insurance, then: (i) Lender waives the 0062341813 MULTISTATE CONDOMINjlUM ~' ER -Single G!-208R (0411) Pag~ 1 of 3 Initials: VMP Mortgage Solutions, Inc. (800)521-7291 Family/Second Mortgage 111111111 11111111111111111111111111 000086 prOVISion in Uniform Covenant 2 for the monthly payment to Lender of the yearly premium installments for hazard insurance on the Property; and (ii) Borrower's obligation under Uniform Covenant 5 to maintain hazard insurance coverage on the Property is deemed satisfied to the extent that the required coverage is provided by the Owners Association policy. What Lender requires as a condition of this waiver can change during the term of the loan. Borrower shall give Lender prompt notice of any lapse in required hazard insurance coverage provided by the master or blanket policy. In the event of a distribution of hazard insurance proceeds in lieu of restoration or repair following a loss to the Property, whether to the unit or to common elements, any proceeds payable to Borrower are hereby assigned and shall be paid to Lender for application to the sums secured by the Security Instrument, whether or not then due, with the excess, if any, paid to Borrower. C. Public Liability Insurance. Borrower shall take such actions as may be reasonable to insure that the Owners Association maintains a public liability insurance policy acceptable in form, amount, and extent of coverage to Lender. D. Condemnation. The proceeds of any award or claim for damages, direct or consequential, payable to Borrower in connection with any condemnation or other taking of all or any part of the Property, whether of the unit or of the common elements, or for any conveyance in lieu of condemnation, are hereby assigned and shall be paid to Lender. Such proceeds shall be applied by Lender to the sums secured by the Security Instrument as provided in Uniform Covenant 9. E. Lender's Prior Consent. Borrower shall not, except after notice to Lender and with Lender's prior written consent, either partition or subdivide the Property or consent to: (i) the abandonment or termination of the Condominium Project, except for abandonment or termination required by law in the case of substantial destruction by fire or other casualty or in the case of a taking by condemnation or eminent domain; (ii) any amendment to any provision of the Constituent Documents if the provision is for the express benefit of Lender; (iii) termination of professional management and assumption of self-management of the Owners Association; or (iv) any action which would have the effect of rendering the public liability insurance coverage maintained by the Owners Association unacceptable to Lender. F. Remedies. If Borrower does not pay condominium dues and assessments when due, then Lender may pay them. Any amounts disbursed by Lender under this paragraph F shall become additional debt of Borrower secured by the Security Instrument. Unless Borrower and Lender agree to other terms of payment, these amounts shall bear interest from the date of disbursement at the Note rate and shall be payable, with interest, upon notice from Lender to Borrower requesting payment. 0062341813 e-208R (0411) @ Page 2 of 3 Initials: d 3/99 / '000087 BELOW, Borrower accepts and agrees to the terms and covenants ondominium Rider. (Seal) -Borrower (Seal) -Borrower (Seal) -Borrower 0062341813 S-208R (0411) @ Page 3 of 3 (Seal) -Borrower (Seal) -Borrower (Seal) -Borrower (Seal) -Borrower 3/99 ,I 000088 0062341813 RIDER TO DEED OF TRUST/MORTGAGE/SECURITY DEED Date: 10/26/2007 The escrow of taxes and insurance required in Paragraph 2 of your DEED OF TRUST/ MORTGAGE/ SECURITY DEED to FIRST HORIZON HOME LOANS, A DIVISION OF FIRST TENNESSEE BANK N.A. is hereby waived and you are notified that you are not required to deposit with FIRST HORIZON HOME LOANS, A DIVISION OF FIRST TENNESSEE BANK N.A. any of the amounts set forth in said paragraph, provided: (a) Escrows for future taxes and insurance premiums are being collected and maintained by the holder or servicer of the mortgage loan superior to our lien; or (b) If you pay your own taxes and insurance premiums, you fulfill your obligation to keep taxes and insurance premiums current with respect to the property secured hereby. This waiver does not, in any way, release you from your obligation to make escrow payments of taxes and insurance to the holder of any prior mortgage, nor does it relieve you of your obligation to keep taxes and insurance premiums current with respect to the secured property. All payments will be applied first to tl]e accrued interest and next to the unpaid principal of your loan. The exact amount of your final pay int, finance charge, and total of payments will be somewhat more or less than the ¡¡mounts shown if e do not receive each payment on the scheduled payment date. RUSSELL 2nù Riùer R~ v is~d 8/01 CB6D082 EXHIBIT "A" '(}00089 Unit 204 of Building 200, STATELINE CONDOMINIUMS, PHASE II, BUILDING 200,_as shown on the official plat thereof filed on October 24,2007, as Document No. 934331, as Plat No. 934331, in the Office of the Clerk of Lincoln County, Wyoming, also being a part of Lot 2, ST A TELINE ESTATES, as shown on the official plat thereof filed on November 17,2005, as Document No. 913797, as Plat No. 293-E, in the Office of the Clerk of Lincoln County, Wyoming, and further defined and described in that certain Declaration of Covenants, Covenants, Conditions and Restrictions for Stateline Condominiums located in Freedom, Lincoln County, Wyoming, created by Document No. 934333, in Book 676, at Page 631 or set forth in the related bylaws in any instrument creating the estate or interest insured by this policy; and in any other allied instrument referred to in any of the instruments aforesaid.