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HomeMy WebLinkAbout946079 When Recorded Mail To: Real Estate Title SelVices, llC 9721 Ormsby Station Road, suite 105 louisville, KY 40223 (502) 315-1670 RECEIVED 3/23/2009 at 4:35 PM RECEIVING # 946079 BOOK: 718 PAGE: 447 JEANNE WAGNER LINCOLN COUNTY CLERK, KEMMERER, WY :¿:( D%¿J 0 «:) ~ 000447 [Space Above This Line For Recording Data] MORTGAGE MlN lU02756-002UU85936-4 MERS TELEPHONE: (888) 679-6377 ,"'>'··1 DEFINITIONS Words used in multiple sections of this document are detÏned below and other words are detïned in Sections:1, 11, l:1, 18,20 am121. Certain rules regarding the usage oi'words used in this document are also provided in Section 16. (A) "Security Instrument" means this document, which is dated March 7, 2009, toge. thf .with all Riders to this doclilllent. h \}..~b~ .¡..- ¡,,~ \ tc" W (B) "Borrower" is Richard E Starkey and Joanne M Starkey¡ JlBorrower is the mortgagor under this Security Instrument. (C) "MERS" is Mortgage Electronic Rcgistration Systcms, Inc. MERS is a scparate corporation that is acting solely as a nominee for Lender and Lender's successors and assigns. MERS is the mortgagee under this Security Instrument. MERS is organized and existing under the laws of Delaware, and has an address and telephone mmlber of P.O. Box 2026, Flint, MI 48501-2026, tel. (888) 679-MRRS. (D) "Lender" is SurePoint Lending abn First Residential Mortgage Networl<, Inc.. Lender is a corporation organized and existing under the laws of the State of KENTUCKY. Lender's address is 9721 Ormsby Station Road, Suite 107, Louisville, KENTUCKY 40223. (E) "Note" means the promissory note signed by Borrower and dated March 7, 2009. The Note states that Borrower owes Lemler Three Hundred Twenty Four Thousand And 001100 Dollars (U.S. $324,000.00) plus interest. Borrower has promised to pay this debt in regular Periodic Payments and to pay the debt in ftùl not later than April 1, 2039. (F) "Property" means the property tbat is described below under the heading "Transfer of Rights in the Property." (G) "Loan" means the debt evidenced by the Note, plus interest, any prepayment charges and late ~ WYOMING - Single Family - FarulÎe Mae/Freddie Mac UNIFORM INSTRUMENT WITH MERS Fonll 3051 101,., 6A(WY) (0806) Page I of 15 ..--, V)/¡J Initials: L // wycmertd l_/ û00448 charges due under the Note, and all sums due under this Security Instrument, plus interest. (H) "Riders" means all Riders to this Security Instrument that are executed by Borrower. The following Riders are to be executed by Borrower [check box as applicable]: [ ] Adjustable:: Rate:: Rider [ ] Balloon Rider [ ] VA Rider [ ] Condominium Ride::r [ ] Plalmed Unit Development Rider [ ] Biweekly Payment Rider [] Second Home Rider [] 1-4 Family Rider [ ] Other(s) [specify] (I) "Applicahle Law" means all controlling applicable fede::ral, state:: and local statutes, regulations, ordinances and administrative rules and orders (that have the effect of law) as well as all applicable final, non-appealable judicial opinions. (J) "Community Association Dues, Fees, and Assessments" means all dues, fees, assessments and other charges that are imposed on Borrower or the Property by a condominium association, homeowners association or similar organization. (K) "Electronic Funds Transfer" means any transfer of funds. other than a transaction originated by check, draft, or similar paper instnunent, which is initiated through an electronic tenninal, telephonic instrument, computer, or magnetic tape so as to order, instmct, or authorize a tinancial institution to debit or credit an account. Such term includes, but is not lin1ited to, point-of-sale transtèrs, automated teller machine transactions, transtèrs initiated by telephone, wire transfers, and automated clearinghouse transfers. (L) "Escrow Items" means those items that are described in Section 3. (M) "Miscellaneous Proceeds" means any compcnsation, scttlemcnt, award of damagcs, or proeecds paid by any third party (other than insurance proceeds paid lmder the coverages described in Section 5) for: (i) damage to, or destruction of, the Property; (ii) condemnation or other taking of all or any part of the Properly; (iii) conveyance in lieu of condemnation; or (iv) misrepresentations of, or omissions as to, the value and/or condition of the Property. (N) "Mortgage Insurance" means insurance protecting Lcnder against thc nonpayment of, or dcfault on, the Loan. (0) "Periodic Payment" means the regularly scheduled amount due for (i) principal and interest under the Note, plus (ii) any amounts under Section 3 of this Security Instmment. (P) "RESPA" means the Real Estate Settlement Procedures Act (12 U.S.C. Section 2601 et seq.) and its implementing regulation, Regulation X (24 C.P.R. Part 3500), as they might be amended from time to time, or any additional or successor legislation or regulation that governs the same subject matter. As used in this Security Instrument, "RESPA" retèrs to all requirements and restrictions that are imposed in regard to a "federally related mortgage loan" even if the Loan does not qualify as a "federally rdated lIlortgage loan" under RRSP A. (Q) "Successor in Interest of Borrower" means any party that has taken title to the Property, whether or not thnt pnrty has assumcd Borrower's obligntions under thc Note nnd/or this Security Instrument. TRANSFER OF RIGHTS IN THE PROPERTY This Sccurity Instnunent secures to Lendcr: (i) the rcpayment of the Loan. and all renewals, extensions and modifications of the Note; and (ii) the perfonnance of Borrower's covenants and agreements under this Security Instrument and the Note. For this purpose, Borrower does hereby mortgage, grant and WYOMING - Single Family - Fannie Mae/Freddie Mac UNIFORM INSTRl'MENT WITH },¡fERS Fonn 3051 I/O I. /1 6A(WY) (0806) Page 2 of 15 Ô ...j'j Initi~ U' / i/ QOû449 convey to MERS (solely as nominee tòr Lender and Lender's successors and assigns) and to the successors and assigns of MERS, with power of sale, the following described property located in the County [Type of Recording Juri.diction] of Lincoln [Name of Recording Jurisdiction]: SEE EXmBIT 'A' ATTACHED HERETO AND BY THIS REFERENCE MADE A PART HEREOF. ') î I () dJ) - 'J - 01 - 0 ¡ 0 .00 Parcel ID Number: \'(/\. - j ì XD ~ which currently has the address of 40 VALLEY VIEW BLVD. [Slœd] ALPINE [City], Wyoming 83128 [Zip Code] ("Propcrty Addrcss" ): TOGETHER WITH all the improvements now or hereafter erected on the property, and all easements, appurtenances, and fixtures now or hereafter a part of the property. All replacements and additions shall also be covered by this Security Instmment All of the tòregoing is retèrred to in this Sccurity Instrumcnt as thc "Propcrty." Borrowcr undcrstands and agrees that MERS holds only lcgal title to the interests granted by Borrower in tins Security Instrument, but, if necessary to comply with law or custom, MERS (as nominee for Lender and Lender's successors and assigns) has the right: to exercise any or all of those interests, including, but not lin1ited to, the right to foreclose and sell the Property; and to take any action required of Lemler including, but not limited to, releasing and canceling this Security Instmment BORROWER COVENANTS that Borrower is lawfully seised of the estate hereby conveyed and has the right to mortgage, grant and convey the Property and that the Property is unencumbered, except for enclUubrances of record. Borrower warrants and will defend generally the title to the Properly against all claims and demands, subject to any encmnbrances ofreconl. TIllS SECURITY INSTRUMENT combines Utntòml covenants tòr national use and non- uniíòml covcnants with limitcd variations by jurisdiction to constitutc a lUnfoml sccurity instrumcnt covering real property. UNIFORM COVENANTS. Borrower and Lender covenant and agree as follows: 1. Payment of Principal, Interest, Escrow Items, Prepayment Charges, and Late Charges. Rorrower shall pay when due the plincipal of, and interest on, the debt evidenced by the Note and any prepayment charges and late charges due under the Note. Borrower shall also pay funds for Escrow Items pursuant to Section 3. Payments due under the Note and this Security Instnuuent shall be made in U.S. currency. However, if any check or other instnunent received by Lender as payment under the Note or tI1is Security Instmment is returned to Lender lmpaid, Lender may require that any or all subsequent payment~ due under the Note and this Security Instrument be made in one or more of the following fanus, as selected by Lender: (a) cash; (b) money order; (c) certified check, bank check, treasurer's check or cashier's check, prO'l.'ided any such check is drav"n upon an institution whose deposits are insured by a federal agency, instrumentality, or entity; or (d) Electronic Funds WYOMING - Single Family - Fannie Mae/Freddie Mac UNIFORM INSTRUMENT WITH MERS ~.305 ç;~. 6A(WY) (0806) Page 3 ofl5 ,,<.' /. / Initials: ~ . "" ûOù4S0 Transfer. Payments are deemed received by Lender when received at the location designated in the Note or at such other location as may be designated by Lender in accordance with the notice provisions in Section 15. Lender may return any payment or partial payment if the payment or partial payments are insuffil.:ient to bring the T ,oan cunenL Lender may aCl.:ept an)' payment or partia} payment insufficient to bring the Loan current, without waiver of any rights hereunder or prejudice to its rights to refuse such payment or portial payments in the tiJture, but Lender is not obligated to apply such payments at the time such payments are accepted. If each Periodic Payment is applied as of its scheduled due date, then Lender need not pay interest on unapplied ftmds. Lender may hold such unapplied funds until Borrower makes payment to bring the Loan current. rfBmTower does not do so within a reasonable period of time. Lender shall either apply such funds or retlID1 them to Borrower. If not applicd carlicr, such flIDds will bc applied to thc outstanding principal balancc lmdcr thc Notc immediately prior to foreclosure. No offset or claim which Borrower might have now or in the future against Lender shall relieve Borrower from making payments due under the Note and this Security Instrument or perfonning the covenants and agreements secured by this Security Instrument. 2. Application of Payments or Proceeds. Except as otherwise described in this Section 2, all payments accepted and applied by Lender shall be applied in the following order of priority: (a) interest due under the Note; (b) principal due under the Note; (c) amounts due under Section 3. Such payments shall be applied to each Periodic Payment in the order in which it became due. Any remaining am01U1ts shall be applied first to late charges, second to any other amolmts due under this Security Tnstnllnent, and then to reduce the principal balance of the Note. If Lender receives a payment from Borrower for a delinquent Periodic Payment which includes a sufficient amount to pay any late charge due, the payment may be applied to the delinquent payment and the late charge. If more than one Periodic Payment is outstanding, Lender may apply any payment received from Borrower to the repayment of the Periodic Payments if, and to the extent that, each payment can be paid in full. To the extenlthat any excess exists after the payment is applied to the full payment of one or more Periodic Payments, such excess may be applied to any late charges due. Voluntary prepaymcnts shall bc applied first to Imy prcpaymcnt chargcs and then as dcscribed in the Note. Any application of payments, insurance proceeds, or Miscellaneous Proceeds to principal due under the Note shall not extend or postpone the due date, or change the amount, of the Periodic Payments. 3. Funds for Escrow Items. Borrower shall pay to Lender on the day Periodic Payments are due under the Note, until the Note is paid in full, a stun (the "Funds") to provide for payment of amounts due for: (a) taxes and assessments and other items which can attain priority over this Security Instrument as a lien or encumbrance on the Property; (b) leasehold payments or grOlmd rents on the Property, if any; (c) premiums for any and all insurance required by Lender under Section 5; and (d) Mortgage Insurance premiums, if any, or any sums payable by Borrower to Lender in lieu of the payment of Mortgage Insur!lnce premiums in !lccordancc with thc provisions of Section 10. These items are called "Escrow Items." At origination or at any time during the tenn of the Loan, Lender may reqlùre that Commurùty Association Dues, Fees, and Assessments, if any, be escrowed by Borrower, and such dues, fees and assessments shall be an Escrow Item. Borrower shall promptly fumish to Lender all notices of amounts to be paid under d1Ís Section. Borrower shall pay Lender the Funds for Escrow Items unlcss Lender waives Borrower's obligation to pay the Funds for any or all Escrow Items. Lender may waive Borrower's obligation to pay to Lender Funds for any or all Escrow Items at any time. Any such waiver may only be in writing. In the event of such waiver, Borrower shall pay directly, when and where payable, the amounts due for any Escrow Items for which payment of Funds has been waived by Lender and, if Lender requires, shall fumish to Lender receipts evidencing such payment within such time period as Lender may require. Borrower's obligation to WYOMING - Single Family - Fannie Maelfreddie Mac UNIFORM INSTRUMENT WITH MERS Fonn 3051 ]!OI 6A(WY) (0806) Page 4 ofl5 . '.0/ Q:1 IlIIltals: ' , ~ ûO&451. make such payments and to provide receipts shall for all purposes be deemed to be a covenant and agreement contained in this Security Instrument, as the phrase "covenant and agreement" is used in Section 9. If Borrower is obligated to pay Escrow Items directly, pursuant to a waiver, and Borrower fails to pay the amount due for an Escrow Item, Lender may exercise its rights under Section 9 and pay such amount and BOITOwer shall then he obligated under Section 9 to repay to I,ender any such amount. Lender may revoke the waiver as to any or all Escrow Items at any time by a notice given in accordance with Section 15 and, upon such revocation, Borrower shall pay to Lender all Funds, and in such amounts, that are then required under this Section 3. Lender may, at any time, collect and hold Funds in an amount (a) sufficient to pemlit Lender to apply the Funds at the time specified under RESPA, and (1)) not to exceed the maximum alllOlU1t a lender can require under RESPA. Lender shall estimate the amOlUlt of Funds due on the basis of current data and reasonable estimates of expenditures of future Escrow Items or otherwise in accordance with Applicable Law. The Funds shall be held in an institution whose deposits are insured by a federal agency, instnunentality, or entity (including Lender, if Lender is an institution whose deposits are so insured) or in any Federal Home Loan Bank. Lender shaH apply the Funds to pay the Escrow Items no later than the time specified under RESP A. Lender shall not charge Borrower for holding and applying the F'tUlds, wIDually analyzing the escrow account, or verifYing the Escrow Items, lmless Lender pays Borrower interest on the Funds and Applieable Law pennits Lender to make such a eharge. Unless an agreement is made in writing or Applicable Law requires interest to be paid on the FlUlds, Lender shall not he required to pay Borrower any interest or earnings on the Funds. Borrower and I ,ender can agree in writing, however, that interest shall be paid on the Funds. Lender shall give to Borrower. without charge, an annual accounting of the Funds as required by RESPA. If there is a surplus of Flmds held in escrow, as defined under RESP A, Lender shall account to Borrower for the excess funds in accordance with RESP A. If there is a shortage of Funds held in escrow, as defmed lmder RESP A, Lender shall notify Borrower as required by RESP A, and Borrower shall pay to Lender the amount necessary to make up the shortage in accordance with RESPA, but in no more than 12 monWy payments. If there is a deficiency of FlUlds held in escrow, as defined under RESPA, Lender shall notify Borrower as required by RESPA, and Borrower shall pay to Lender the amount necessary to make up the deficiency in accordance with RESP A, but in no more than 12 monthly payments. Upon payment in full of all sums secured by tillS Security Instnnnent, Lender shall promptly I refund to Borrower any Flmds held by Lender. 4. Charges; Liens. Borrower shull pay all taxes, assessments, charges, tines, and impositions attributable to the Property which can attain priority over this Security Instrument, leasehold payments or ground rents on the Property, if any, and Comnnmity Association Dues, Fees, and Assessments, ifany. To the extent that these items are Escrow Hems, Borrower shall pay them in the manner provided in Section 3. Borrower shall promptly dischargc any lien whieh hus priority over this Security Instrumcnt unless Borrower: (a) agrees in writing to the payment of the obligation secured by the lien in a manner acceptable to Lender, but only so long as Borrower is penonning such agreement; (b) contests the lien in good faith by, or defends against entòreement of the lien in, legal proceedings which in Lender's opinion operate to prevent the entòrcement of tile lien while those proceedings are pending, but only until such proceedings are concluded; or (c) secures from the holder of the lien an agreement satisfactory to Lender subordinating the lien to tlllS Security Instnmlent. If Lender detennines that any part of the Property is subject to a lien which can attain priority over this Security Instnnnent, Lender may give Borrower a notice identifYing the lien. Within 10 days of the date on which that notice is given, Borrower shall satisfy the lien or take one or more of the actions set forth ahove in this Section 4. WYO!vrTNG - Single Family - Fannie Mae/Freddie Mac UNIFORM INSTRUMENT WITH MERS Fonn 3051 1/0):;() 6A(WY) (0806) Page 5 on5 ~o/ xI' Initials: .7 V' . .û0Ô1452 Lender may require Borrower to pay a one-time charge for a real estate tax verification and/or reporting seIVice used by Lender in connection with this Loan. 5. Property Insurance. Borrower shall keep the improvements now existing or hereafter erected on the Property insured against loss by fire, hazards included within the term "extended coverage," and any other hazards including, but not limited to, earlhqilllkes and lloods, for which Lender requires insurance. This insurance shall be maintained in the amounts (including deductible levels) and for the periods that Lender requires. What Lender requires pursuant to the preceding sentences can change during the term of the Loan. The insurance carrier providing the insurance shall be chosen by Borrower subject to Lender's right to disapprove Borrower's choice, which right shall not he exercised unreasonably. Lender may require Borrower to pay, in connection with this Loan, either: (a) a one-time charge for flood zone detennination, certitication and tracking seIVices; or (b) a one-time charge for Hood zone dctcnnination and certification services and subsequent charges each time remappings or similar changes occur which reasonably might aftèct such determination or certitication. Borrower shall also be responsible for the payment of any tèes imposed by the Federal Emergency Management Agency in connection with the review of any flood zone detennination resulting Ü01n an objection by Borrower. If Borrower fails to maintain any of the coverages described above, Lender may obtain insurance coverage, at Lender's option and Borrower's expense. Lender is under no obligation to purchase any particular type or amolmt of coverage. Therefore, such coverage shall cover Lender, but might or might not protect Borrower, Borrower's equity in the Property, or the contents of the Property, against any risk, hazard or liability and might provide greater or Jesser coverage than was previously in effect. Borrower acknowledges that the cost of the insurance coverage so obtained might significantly exceed the cost of insurance that Borrower could have obtained. Any amounts disbursed by Lender under this Section 5 shall become additional debt of Borrower secured by this Security Instrument. These amounts shall bear interest at the Note rate from the date of disbursement and shall be payable, with such interest, upon notice from Lender to Borrower requesting payment. All insurance policies required by Lender and renewals of such policies shall be subject to Lender's right to disapprove such policies, shall include a standard mortgage clause, and shall name Lender as mortgagee and/or as an additional loss payee. Lender shall have the right to hold the poJicies and renewal certiticates. If Lender requires, Borrower shall promptly give to Lender all receipts of paid premiums and renewal notices. If Borrower obtains any form of insurance coverage, not otherwise required by Lender, for damage to, or destruction of. the Property. such policy shall include a standard mortgage clause and shall name Lender as mortgagee and/or as an additional loss payee. In the event of loss, Borrower shall give prompt notice to the insurance carrier and Lender. Lender may make proof of loss if not made promptly by Borrower. Unless Lender and Borrower otherwise agree in wriling, any insuranœ proceeds, whether or nol the underlying insllTance WHS required by Lender, shall be applied to restoration or repair of the Property, if the restoration or repair is economically feasible and Lender's security is not lessened. During such repair and restoration period, Lender shall have the right to hold such insurance proceeds until Lender has had an opportunity to inspect such Property to ensure the work has been completed to Lender's satisfaction, provided that such inspection shall be undertaken promptly. Lender may disburse proceeds for the repairs and restoration in a single payment or in a series of progress payments as the work is completed. Unless an agreement is made in writing or Applicable Law requires interest to be paid on such insurance proceeds, Lender shall not be required to pay Borrower any interest or earnings on such proceeds. Fees for public adjusters, or other third parties, retained by Borrower shall not be paid out of the insurance proceeds and shall be the sole obligation of Borrower. If the restoration or repair is not economically feasible or Lender's security wou1d be lessened, the insurance proceeds shall be applied to the sums secured by this Security Instrument, whether or not then due, with the excess, if any, paid WYOMING - Single Family - Fannie Mae/Freddie Mac UNIFORM INSTRUMENT WITH MERS Fonn 3051 11O~ 6A(WY) (0806) Page6of15 0/ Initials: ,J/. v ûO&453 to Borrower. Such insurance proceeds shall be applied in the order provided for in Section 2. if Borrower abandons the Property, Lender may file, negotiate and settle any available insurance claim and related matters. If Borrower does not respond within 30 days to a notice from Lender that the insurance carrier has offered to settle a claim, then Lender may negotiate and settle the claim. The 30-day period wi1l begin when the notice is given. Tn either event, or if Lender acquires the Property under Section 22 or otherwise, Borrower hereby assigns to Lender (a) Borrower's rights to any insurance proceeds in an amount not to exceed the amounts unpaid under the Note or this Security Instnunent, and (ò) any other of Borrower's rights (other than the right to any refund of unearned premiums paid by Borrower) lmder aU insurance policies covering the Property, insofar as slIch rights are applicahle to the coverage of the Property. Lender may use the insurance proceeds either to repair or restore the Property or to pay amounts unpaid under the Note or this Security Instmmcnt, whether or not thcn due. 6. Occupancy. Borrower shall occupy, establish, and use the Property as Borrower's principal residence within 60 days after the execution of this Security Instmment and shaU continue to occupy the Property as Borrower's principal residence for at least one year after the date of occupancy, unless Lender otherwise agæes in writing, which consent shall not he unreasonably withheld, or unless extenuating circumstances exist which are beyond Borrower's control. 7. Preservation, Maintenance and Protection of the Property; Inspections. Borrower shaU not destroy, damage or impair the Property, aUow the Property to deteriorate or cOlmnit waste on the Property. Whether or not Borrower is residing in the Property, Borrower shaU maintain the Property in order to prevent the Property from deteriorating or decreasing in value due to its condition. Unless it is detennined pursuant to Section 5 that repair or restoration is not economically feasible, Borrower shaU promptly repair the Property if dmnaged to avoid further deterioration or damage. If insmance or condemnation proceeds are paid in connection with damage to, or the taking of, the Property, Borrower shall be responsible for repairing or restoring the Property only if Lender has released proceeds for such purposes. Lender may disburse proceeds for the repairs and restoration in a single payment or in a series of progress payments as the work is completed. If the insurance or condemnation proceeds are not sufficient to repair or restore the Property, Borrower is not relieved of Borrower's obligation for the completion of such repair or restoration. Lender or its agent may make reasonable entries upon and inspections of the Property. If it has reasonable cause, Lender may inspect the interior of the improvements on the Property. Lender shall give Borrower notice at the time of or prior to such an interior inspection specifying such reasonable cause. 8. Borrower's Loan Application. Borrower shall be in default it~ during the Loan application process, Borrower or any persons or entities acting at the direction of Borrower or Witll Borrower's knowledge or consent gave materially false, misleading, or inaccurate infonnation or statements to Lender (or failed [0 provide Lender wilh mateIial inf'onnation) in connection with [he Loan. Material representations include, but are not limited to, representations concerning Borrower's occupancy of the Property as Borrower's principal residence. 9. Protection of Lender's Interest in the Property and Rights Under this Security Instrument. If (a) Borrower fails to perfonn the covenants and agreements contained in this Security Instnmlent, (ò) there is a legal proceeding that might significantly aftèct Lender's interest in the Property and/or rights under tllis Security Instrument (such as a proceeding in bankmptcy, probate, for condemnation or forfeiture, for enforcement of a lien which may attain priority over tills Security Instmment or to entòrce laws or regulations), or (c) Borrower has abandoned the Property, then Lender may do and pay for whatever is reasonable or appropriate to protect Lender's interest in the Property and rights lmder this Security Instrument, including protecting and/or assessing the value of the Property, and securing and/or repairing the Propeliy. Lender's actions can include, but are not limited to: (a) paying any sums secured by a lien which has priority over this Security Instnunent; (b) WYOMING - Single Family - Fannie Mae/Freddie Mac UNIFORM INSTRUMENT WITH MERS Form 3051 1/01/) 6A(WY) (0806) Page 7 of 15 . . '''"7 ~-)y Imtt¡rl(¿, -, . :./ ûOú454 appearing in court; and (c) paying reasonable attorneys' tèes to protect its interest in the Property and/or rights under this Security Instrument, including its secured position in a bankruptcy proceeding. Securing the Property includes, but is not linlited to, entering the Property to make repairs, change locks, replace or board up doors and windows, drain water from pipes, eliminate building or other code violations or dangerous conditions, and have utilities turned on or off. Although Lender may take action under tins Section 9, Lender does not have to do so and is not under any duty or obligation to do so. It is agreed that Lender incurs no liability for not taking any or all actions authorized under this Section 9. Any amolmts disbursed by Lender under this Section 9 shall become additional debt of RmTOwer secnred hy this Security InslnnnenL These amounts shall hear interest al the Note rate IÌ'om the date of disbursement and shall be payable, with such interest, upon notice from Lender to Borrower requesting payment. If this Security Instrument is on a leasehold, Borrower shan comply with all the provisions of the lease. If Borrower acquires fee title to the Property, the leasehold and the fee title shall not merge unless Lender agrees to the merger in writing. 10. Mortgage Insurance. If Lender required M01igage Insurance as a condition of making the Loan, I3orrower shall pay the premiums required to maintain the Mortgage Insurance in effect. If, tor any reason, the Mortgage Insurance coverage required by Lender ceases to be available from the mortgage insurer that previously provided such insurance and Borrower was required to make separately designated payments toward the premiums for Mortgage Insurance, Borrower shall pay the premiums required to ohtain coverage suhstantially equivalent to the Mortgage Insurance previously in effect, at a cost substantially equivalent to the cost to I3orrower of the Mortgage Insurance previously in effect, from an alternate mortgagc insurer selected by Lender. If substantially equivalent Mortgage Insurance coverage is not available, Borrower shall continue to pay to Lender the amount of the separately designated payments that were due when the insurance coverage ceased to be Ù1 effect. Lender will accepl, use and relain these payments as a non-reflmdable loss reserve in lieu of Morlgage Insurance. Such loss reserve shall be non-refundable, notwitl1Standing the fact that the Loan is ultimately paid in full, and Lender shall not be required to pay Borrower any interest or earnings on such loss reserve. Lender can no longer require loss reserve payments if Mortgage Insurance coverage (in the amount and for the period that Lender requires) provided by an insurer se leeted by Lender again becomes available, is obtained, and Lender requires separately designated payments toward the premiums for Mortgage h1Surance. If Lender required Mortgage Insurance as a condition of making the Loan and Borrower was required to make separately designated payments toward the premiums for Mortgage Insurance, Borrower shall pay the premiums required to maintain Mortgage Insurance in effect, or to provide a non-retùndable loss reserve, until Lender's requirement for Mortgage Insurance ends in accordance with any written agreement between Borrower and Lender providing for such tenniuation or unlil tennination is required by Applicable Law. Nothing in lhis Section 10 affects I3orrower's obligation to pay interest at the rate provided in the Note. Mortgage Insurance rcimburses Lcnder (or any cntity that purchascs the Notc) for ccrtain losses it may incur if Borrower does not repay the Loan as agreed. Borrower is not a party to the Mortgage Insurance. Mortgage insurers evaluate their total risk on all such insurance in force from time to time, and may enter into agreements with other parties that share or modify their risk, or reduce losses. Thcse agrecments arc on tem1S and conditions that arc satistàetory to the mortgage insurer and the other party (or parties) to these agreements. These agreements may require the mortgage insurer to make payments using any source of toods that the mortgage insurer may have available (which may include fimds obtained from Mortgage Insurance premiums). As a result of these agreements, Lender, any purchaser of the Note, another insurer, any reinsurer, any other entity, or any affiliate of any of the foregoing, may receive (directly or indirectly) WYOMING - Single Family - Fannie Mae/Freddie Mac UNIFORM INSTRUMENT WITH MERS Form 3051 1 fOJ-x). 6A(WY) (0806) Page 8 ot 15 . .~(.¡.)r hut! s: !/ ûOû455 amounts that derive from (or might be characterized as) a portion of Borrower's payments for Mortgage Insurance, in exchange for sharing or moditYing the mortgage insurer's risk, or reducing losses. If such agreement provides that an aftìliate of Lender takes a share of the insurer's risk in exchange for a share of the premiums paid to the insurer, the arrangement is often tenned "captive reinsurance." Fmlher: (a) Any such agreements will not affect the amounts that Borrower has agreed to pay for Mortgage Insurance, or any other terms of the Loan. Such agreements will not increase the amount Borrower will owe for Mortgage Insurance, and they will not entitle Borrower to any refund. (b) Any such agreements will not affect the rights Borrower hils - if IIny - with respect to the Mortgage Insurance under the Homeowners Protection Act of 1998 or any other law. These rights may include the right to receive certain disclosures, to request and obtain cancellation of the Mortgage Insurance, to have the Mortgage Insurance terminated automatically, and/or to receive a refund of any Mortgage Insurance premiums that were unearned at the time of such cancellation or termination. 11. Assignment of Miscellaneous Proceeds; Forfeiture. All Miscellaneous Proceeds are hereby assigned to and shall be paid to Lender. If the Property is damaged, such Miscellaneous Proceeds shall be applied to restoration or repair of the Property, if the restoration or repair is economically feasible and Lender's security is not lessened. During such repair and restoration period, Lender shall have the right to hold such Miscellaneous Proceeds until I.ender has had an opportunity to inspect such Property to ensure the work has been completed to Lender's satistàction, provided that such inspection shall be undertaken promptly. Lender may pay for thc rcpairs and restoration in a singlc disburscment or in a scrics of progress payments as the work is completed. Unless an agreement is made in writing or Applicable Law requires interest to be paid on such Miscellaneous Proceeds, Lender shall not be required to pay Borrower any interest or earnings on such Miscellaneous Proceeds. If the restoration or repair is not economically feasible or Lender's security would be lessened, the Miscellaneous Proceeds shall be applied to the sUlns secured by this Security Instrumcnt, whethcr or not thcn duc, with thc cxccss, if any, paid to Borrower. Such Miscellaneous Proceeds shall be applied in the order provided for in Section 2. In the event of a total taking, destmction, or loss in value of the Property, the Miscellaneous Proceeds shall be applied to the sums secured by this Security Instnunent, whether or not then due, with the excess, if any, paid to Borrower. In the event of a partial taking, destmction, or loss in value of the Property in which the fair market value of the Property immediately before the partial taking, destruction, or loss in value is equal to or greater than the amolUlt of the SlUns secured by tl1Ìs Security Instmment immediately before the partial taking, destruction, or loss in value, unless Borrower and Lender otherwise agree in writing, lhe sums secured by this Security Instnunent shall be reduced by the amOlUlt of the Miscellaneous Proceeds multiplicd by the following fraction: (a) the total amOlUlt of the sums secured immcdiately before the partial taking, destmction, or loss in value divided by lb) the fair market value of the Property immediately before the partial taking, destruction, or loss in value. Any balance shall be paid to Borrower. In the event of a partial taking, destruction, or loss in value of the Property in which the fair markct valuc of tllC Property immcdiately before the partial taking, dcstmction, or loss in value is less than the amount of the sUlns secured immediately before the partial taking, destmction, or loss in value, unless Borrower and Lender otherwise agree in writing, the Miscellaneous Proceeds shall be applied to the sums secured by this Security Instmment whether or not the sums are then due. If the Propelty is abandoned by Borrower, or if, after notice by Lender to Borrower that the Opposing Party (as defined in the next sentence) offers to make an award to settle a claim for damages, WYOlvITNG - Single Family - Fannie Mae/Freddie Mac UNIFORM INSTRUMENT WITH MERS Fonn 3051 1101 6A(WY) (0806) Page 9 of 15 . . 0::0 IIlJtlaIY'::> -1+-/ .. ~I l' 00û456 Borrower fails to respond to Lender within 30 days after the date the notice is given, Lender is authorized to collect and apply the Miscellaneous Proceeds either to restoration or repair of the Property or to the sums secured by this Security Instrument, whether or not then due. "Opposing Party" means the third party that owes Borrower Miscellaneous Proceeds or the party against whom Borrower has a right of action in regarù to Miscellaneous Proceeùs. Borrower shall be in defatùt if any action or proceeding. whether civil or criminal, is begun that, in Lender's judgment, could result in forfeiture of the Property or other material impairment of Lender's int~est in the Property or rights under this Security Instrument Borrower can cure such a detàult and, if acceleration has occurred, reinstate as provided in Section 19, by causing the action or proceeding to he dismissed with II ruling that, in Lender's judgment, precludes forfeiture of the Property or other material impainllent of Lender's interest in the Property or rights tmder tIlls Security Instrument. The procecds of any award or claim for damages that arc attributablc to thc impainncnt of Lender's interest in the Property are hereby assigned and shall be paid to Lender. All Miscellaneous Proceeds that are not applied to restoration or repair of the Property shall be applied in the order provided for in Section 2. 12. Borrower Not Released; Forbearance By Lender Not a Waiver. Extension of the time for payment or modification of amortization of the sums secured by this Security Instrument granted by Lender to Borrower or any Successor in Interest of Bon'ower shall not operate to release the liability of Borrower or any Successors in Interest of Borrower. Lender shall not be required to commence proceedings against any Successor in Interest of Borrower or to refuse to extend time for payment or otherwise modify amOliization of the sums secured hy this Security Instrument hy reason of any demand made by the original Borrower or any Successors in Interest of Borrower. Any torbearance by Lender in exercising any right or remedy including, without limitation, Lender's acceptance of payments from third persons, entities or Successors in Interest of Borrower or in amounts less than the amount then due, shall not be a waiver of or preclude the exercise of any right or remedy. 13. Joint and Several Liability; Co-signen; Successors and Assigns Bound. Borrower covenants and agrccs that Borrower's obligations and liability shall be joint and scvcraL Howcvcr, any Borrower who co-signs this Security Instrument but does not execute the Note (a "co-signer"): (a) is co-signing this Security Instrument only to mortgage, grant and convey the co-signer's interest in the Property tmder the tem1S of this Security Instnunent; (h) is not personally obligated to pay the stuns secured by tIllS Security Instrument; and (c) agrees that Lender and any other Borrower can agree to extend, modify, forbear or make any accommodations with regard to the tenns of this Security Instrument or the Note without the co-signer's consent. Subject to the provisions of Section 18, any Successor in Interest of Borrower who assumes Borrower's obligations under this Security Instrument in writing, and is approved by Lender, shall obtain all of Borrowl::r's rights and hl::nl::fÎts Lmdl::r this SI::Clu'Ïty Instnul1l::nL BmTOwl::r shalJ not hI:: released from Borrower's obligations and liability under this Security Instrument unless Lender agrees to such relcase in writing. The covenants and agrccmcnts of this Security Instnuncnt shall bind (except as provided in Section 20) and benefit the successors and assigns of Lender. 14. Loan Charges. Lender may charge Borrower fees for services perfom1ed in connection with Borrower's detàult, for the purpose of protecting Lender's interest in the Property and rights under this Security Instrument, including, but not limited to, attomeys' tèes, property inspection and valuation tèes. In regard to any other fecs, thc absencc of exprcss authority in this Sccurity Instrument to charge a specific fee to Borrower shall not be construed as a prohibition on the charging of such fee. Lender may not charge tèes that are expressly prohibited by this Security Instnnnent or by Applicable Law. If the Loan is suhject to a law which sets maximum loan charges, and that law is finally interpreted so that the interest or other loan charges collected or to be collected in cormection with the WYOMING - Single Family - Fannie Maelfreddie Mac UNIFORM INSTRUMENT WITH MERS Fonn 3051 1101 6A(WY) (0806) Page 10 of 15 0/ :).? IIIIt!als: l. Loan exceed the pennitted limits, then: (a) any such loan charge shall be reduced by the amount necessary to reduce the charge to the pennitted limit; and (b) any sums already collected trom Borrower which exceeded penllitted limits wiII be retìmded to Borrower. Lender may choose to make this refund by reducing the principal owed lmder the Note or by making a direct payment to Borrower. If a refund reduces principal, the reduction will be treated as a partial prepayment wilhout any prepayment charge (whether or not a prepayment charge is provided for under the Note). Borrower's acceptance of any such refund made by direct payment to Borrower will constitute a waiver of any right of action Borrower might have arising out of such overcharge. 15. Notices. All notices given by Borrower or Lender in connection with this Security Instrument must be in writing. Any notice 10 Borrower in connection with this Security Instrument shall be deemed to have been given to Borrower when mailed by first class mail or when actually delivered to Borrower's notice address if sent by other means. Notice to anyone Borrower shall constitute notice to all Borrowers unless Applicable Law expressly requires otherwise. The notice address shall be the Property Address unless Borrower has designated a substitute notice address by notice to Lender. Borrower shall promptly notify Lender of Borrower's change of address. If Lender specifies a procedure for reporting Bon'ower's change of address, then Borrower shall only repOlt a change of address through that specified procedure. There may be only one designated notice address under this Security Instrument at anyone time. Any notice to Lender shall be given by delivering it or by mailing it by tirst class mail to Lender's address stated herein lmless Lender has designated another address by notice to Borrower. Any notice in connection with this Security Instmment shall not be deemed to have been given to Lender until actually received hy Lender. If any notice required by this Security Instnllnent is also required under Applicable Law, the Applicable Law requirement will satis(y the corresponding rcquircmcnt undcr this Sccurity Instmmcnt. 16. Governing Law; Severability; Rules of Construction. This Security Instrument shall be governed by federal law and the law of the jurisdiction in which the Property is located. All rights and obligations contained in this Security Instrument are subject to any requirements and limitations of Applicable Law. Applicable Law might explicitly or implicitly allow the parties to agree by contract or it might be silcnt. but such silence shall not be construed as a prohibition against agrccmcnt by contract. In the event that any provision or clause of this Security Instrument or the Note conflicts with Applicable Law, such conflict shall not affect other provisions of this Security Instrument or the Note which can be given effect without the conflicting provision. As used in this Security Instrunlent: (a) words of the masculine gender shall mean and include corresponding neuter words or words of the feminine gender; (b) words in the singular shall mean and include the plural and vice versa; and (c) the word "may" gives sole discretion without any obligation to take any action. 17. Borrower's Copy. Borrower shall be given one copy of the Note and of this Security Instmmcnt. 18. Transfer of the Property or a Beneficial Interest in Borrower. AI> used in this Section 18, "Intcrcst in thc Propcrty" mcans any lcgal or bcncticial interest in the Property, including, but not limited to, those beneficial interests transferred in a bond for deed, contract for deed, installment sales contract or escrow agreement, the intent of which is the transfer of title by Borrower at a future date to a purchaser. If all or any part of the Property or any Interest in the Propeliy is sold or transferred (or if Borrower is not a natural person and a bcncficial intcrest in Borrowcr is sold or transfcrrcd) without Lender's prior written consent, Lender may require immediate payment in tì.ùl of all sums secured by this Security Instnllnent. However, this option shall not be exercised by Lender if such exercise is prohibited by Applicable Law. If Lender exercises this option, Lender shaH give BO!1"Ower notice of acceleration. The notice shall provide a period of not less than 30 days from the date the notice is given in accordance with WYOMING - Single Family - Fannie Mae/Freddie Mac UNIFORM INSTRUMENT WITH MERS 6A(WY) (0806) Page I I of 15 FOmJ 305] ]!O 1 /) !71 Initialsr Y-f . / ./ ÜOû457 ûOú458 Section 15 within which Borrower must pay all sums secured by this Security Instmment. If Borrower toils to pay these sums prior to the expiration of thIS period, Lender may invoke any remedies pennitted by this Security Instmment "vithout further notice or demand on Borrower. 19. Borrower's Right to Reinstate After Acceleration. If Borrower meets certain conùitions, Borrower shall have the right to have enforcement of lhis Security Tnstrumenl ùisl:ontinueù at any time prior to the earliest of: (a) five days before sale of the Property pursuant to any power of sale contained in this Security Instmment; (b) such other period as Applicable Law might specify for the ternlination of Borrower's right to reinstate; or (c) entI)' of a judgment enforcing this Security Instmment. Those conditions are that Borrower: (a) pays Lender all SUIns which then would be due under this Sel:llfÏty Instrument and the Note as if no acceleration had occurred; (h) l:l1fes any ùefau1t of any other covenants or agreements; (c) pays all expenses incurred in enforcing tIllS Security Instmment, including, but not limited to, rcasonablc attorneys' fees, propcrty inspcction and vallliltion fees, and other tèes incurred for the purpose of protecting Lender's interest in the Property and rights under this Security Instrument; and (d) takes such action as Lender may reasonably require to assure that Lender's interest in the Property and rights lUlder this Security Instmment,and Borrower's ohligation to pay the sums secured by this Security Instmment, shall continue unchanged. T ,ender may require that Borrower pay such reinstatement SUIns and expenses in one or more of the following fornls, as selected by Lender: (a) cash; (b) money order; (c) certifïed check, bank check, treasurer's check or cashier's check, provided any such check is drawn upon an institution whose deposits are insured by a tèderal agency, instnunentality or entity; or (d) Electronic Funds Transfer. Upon reinstatement hy Borrower, this Security Instrumeot and ohligations secured hereby shaU remain fuUy effective as if no acceleration had OCCIUTed. IIowever, this right to reinstate shall not apply in the case of acccleration under Section 18. 20. Sale of Note; Change of Loan Servicer; Notice of Grievance. The Note or a partial interest in the Note (together with this Security Instmment) can be sold one or more times without prior notice to Borrower. A sale might result in a change in the entity (known as the "Loan Servicer") that collects Periodic Payments due under the Note and this Security Instmment and perfonlls other mortgage loan servicing obligations tmder thc Note, this Security Instnmlent, and Applicablc Law. There also might be one or more changes of the Loan Servicer unrelated to a sale of the Note. If there is a change of the Loan Servicer, Borrower will be given ',',Titten notice of the change which will state the name and address of the new Loan Servicer, the address to which payments should be made and any other information RESP A requires in cOlmection with a notice of transfer of servicing. If the Note is sold and thereafter the Loan is serviced by a Loan Servicer other than the purchaser of the Note, the mortgage loan servicing obligations to Borrower will remain with the Loan Servicer or be transferred to a successor Loan Servicer and are not assumed by the Note purchaser lmless otherwise provided by the Note purchaser. Neither Borrower nor Lenùer may COIIlIneIIce, join, or be joined In any judicial action (as either an individual litigant or the member of a class) that arises from the other party's actions pursuant to this Security Instmmcnt or that allcgcs toot thc othcr party has brcachcd any provision of, or any duty owed by reason of, this Security Instrument, until such Borrower or Lender has notified the other party (with such notice given in compliance with the requirements of Section 15) of such alleged breach and afforded the other party hereto a reasonable period after the giving of such notice to take corrective action. If Applicable Law provides a time period which must elapse before certain action can bc takcn, that time pcriod wi)] bc decmcd to be reasonable for purposes of this paragraph. The notice of acceleration and opportunity to cure given to Borrower pursuant to Section 22 and the notice of acceleration given to Borrower pursuant to Section 18 sha)] be deemed to satisfy the notice and opportunity to take corrective action provisions of this Section 20. 21. Hazardous Substances. As used in this Section 21: (a) "Hazardous Substances" are those substances detÏned as toxic or hazardous substances, po)]utants, or wastes by Environmental Law WYOMING - Single Family - Fannie Mae/Freddie Mac UNIFORM INSTR1JJvrENT WITH MERS Form 3051 1101 6A(WY) (0806) Page 12 of 15 ,. c:V' Ini7-' :./ and the following substances: gasoline, kerosene, other t1ammable or toxic petroleum products, toxic pesticides and herbicides, volatile solvents, materials containing asbestos or fonnaldehyde, and radioactive materials; (b) "Environmental Law" means federal laws and laws of the jurisdiction where the Property is located that relate to health, safety or environmental protection; (c) "Enviromnental Cleanup" includes any response action, remedial action, or removal action, as delìned in Environmental Law; and (d) an "Environmental Condition" means a condition that can cause, contribute to, or othervl'ise trigger an Environmental Cleanup. Borrower shall not cause or pemlit the presence, use, disposal, storage, or release of any Hazardous Substances, or threaten to release any Hazardous Substances, on or in the Property. Borrower shall not do, nor allow anyone else to do, anything affecting the Properly (a) that is in violation of any EnvirOlill1ental Law, (b) which creates an Environmental Condition, or (c) which, due to the presence, use, or release of a Hazardous Substance. creatcs a condition that advcrscly atTects thc value of the Property. The preceding two sentences shall not apply to the presence, use, or storage on the Property of small quantities of Hazardous Substances that are generally recognized to be appropriate to nonnal residential uses and to maintenance of the Property (including, but not limited to, hazardous substances in consumer products). Borrower shall promptly give Lender written notice of (a) an)' investigation, claim, demand, lawsuit or other action by any goverrunental or regulatory agency or private party involving the Property and any Hazardous Substance or Environmental Law of which Borrower has actual knowledge, (b) any Envirorunental Condition, including but not limited to, any spilling, leaking, discharge, release or threat of release of any Hazardous Substance, and (c) any condition caused by the presence, use or release of a Hazardous Substance which adversely aftècts the value of the Property. If Borrower lcams, or is notitìcd by any govel111ncntal or regulatory authority, or any privatc party, that any removal or other remediation of any Hazardous Substance aftècting the Property is necessmy, Borrower shall promptly take all necessary remedial actions in accordance with Environmental Law. Nothing herein shall create any obligation on Lender for an Environmental Cleanup. NON-UNIFORM COVENANTS. Borrower and Lender further covenant and agree as follows: 22. Acceleration; Remedies. Lender shall give notice to Borrower prior to acceleration following Borrower's breach of any covenant or agreement in this Security Instrument (but not prior to acceleration under Section 18 unless Applicable Law provides otherwise). The notice shall specify: (a) the default; (b) the :Iction required to cure the default; (c) a date, not less than 30 days from the date the notice is given to Borrower, by which the default must be cured; and (d) that failure to cure the default on or before the date specified in the notice may result in acceleration of the sums secured by this Security Instrument and sale of the Property. The notice shall further inform Borrower of the right to reinstate after acceleration and the right to bring a court action to assert the non-existence of a default or any other defense of Borrower to acceleration and sale. If the default is not cured on or hefore the date specified in the notice, Lender at its option may require immediate payment in full of all sums secured by this Security Instrument without further demand and may invoke the power of sale and any other remedies permitted by Applicable Law. Lender shall be entitled to collect all expenses incurred in pursuing the remedies provided in this Section 22, including, but not limited to, reasonable attorneys' fees and costs of title evIdence. If Lender invokes the power of sale, Lender shall give notice of intent to foreclose to Borrower and to the person in possession of the Property, if different, in accordance with Applicable Law. Lender shall give notice of the sale to Borrower in the manner provided in Section 15. Lender shall publish the notice of sale, and the Property shall be sold in the manner prescribed by Applicable Law. Lender or Its desIgnee may purchase the Property at :my sale. The proceeds of the sale shall he applied in the following order: (a) to aU expenses of the sale, WYOMING· Single Family - Fannie MaelFreddie Mac 1 JNIFORM INSTRUMENT WITH MERS Fonn 3051 110 h 6A(WY) (0806) Page 13 of 15 . :~/ Itutlals: ' 000459 .'. 0·"460 ~ì:..: ~V including, but not limited to, reasonable attorneys' fees; (b) to all sums secured by this Security Instrument; and (c) any excess to the person or persons legally entitled to it. 22. Release. Upon payment of all Stuns secured by this Security Instmment, Lender shall release this Security Instmment. Borrower shall pay any recordation costs. Lender may charge Borrower a fee for releasing this Security Instrument, but only if the fee is paid to a third party for seIVices rendered and the charging of the fee is penllitted under Applicable Law. 23. Waivers. Borrower releases !Uld waives all rights tmder and by virtue of the homestead exemption laws of W)'oming. WYOMING - Single Family - Fnrmie Mae/Freddie Mac UNIFORM INSTRUMENT WITH MERS 6A(WY) (0806) Page 14 of 15 Fonn3051 1101 ÜO\J¡46:1 BY SIGNING BELOW, Borrower accepts and agrees to the tenns and covenants contained in this Security Instmment and in any Rider executed by Borrower and recorded with it Witnesses: ó\ -' -¿ '¡-1~L-/¡'-C .. v11-1v....L(/'/ o Q~ Richard Starkcy (Seal) -Borrower ~....../ ('\ "') ':ï~'-"'~.{ ¿ , Joai1Dc M Starlœy ~../J j h ~.'(/ / . -.'(" f...! (Seal) -Borrower (Seal) -Borrower (Seal) -Borrower STATE OF WYOMING, This instmment was acknowledged before me on fY\a (' (' ~ ~ hy Richard E Starkey and Joanne M Starkey, . L\(\~\(\ County ss: .dCC'Ft \ . My Commission Expires: COLLEEN M. BEARD Notlry Public Lincoln County Wyoming My Commission expires WYOMING - Single Family - Fmmic Mae/Freddie Mac UNIFORM INSTRUMENT WITH MERS 6A(WY) (0806) Page 15 of 15 Fonn3051 1101 000462 Exhibit "A" File Number: 209010839 Lot 23 of Alpine Resort Subdivision, Lincoln County, Wyoming according to that plat filed December 8, 1971 as Map Number 102 and Document Number 434990 in the Office of Lincoln County Clerk. Tax Serial No. 12-3718-20-2-02-020.00