HomeMy WebLinkAbout971413Return To
Doci 'er Manager] 'ent.
Quic .n Loans Inc.
105 W .,dward Ave
De,:.ro i t., MI 48226 -1906
Prepared By:
Nina Salazar
QNhen.Recorded Return To:
Indecomm Global Service&
2925 Country Drive
St. Paul MN 55117
3316635071
State of Wyoming
57857771.. —I 6374
THIS MORTGAGE "Security .Instrunent is given on
The Morttagor is Chri stopper Rogers Pierce, a si ngl e irl�ri
"Borrower This Security Instrument is given to Mortgage Electronic Registration Systems, Inc. "MERS
(solely as nominee for Lender, as hereinafter defined, and Lender's successors and assigns), as mortgagee. MERS is
organized and existing under the laws of Delaware, and has an address and telephone number of P.O. Box 2026,
Flint. MI 48501 -2026, tel. (888) 679-MERS.
Quicken Loans Inc.
"Lender is organized and existing under the laws of the State of Michigan and
has an address of 7.050 Woodward Ave, Detroit, MI 48226 -1906
Borrower owes Lender the principal sure of
One Hundred Eighty Five Thousand Nine Hundred Sixty Eight and 00 /100
Dollars (U.S. $185, 968.00
This debt is evidenced by Borrower's note dated the same date as this Security Instrument "Note which
provides for monthly payments, with the full debt, if not paid earlier, due and payable on June 1, 2043
This Security Instrument secures to Lender: (a) the repayment of the debt evidenced by the
Note, with interest, and all renewals, extensions and modifications of the Note; (b) the payment of all other sums,
with interest, advanced under paragraph 7 to protect the security of this Security Instrument; and (c) the performance
of Borrower's covenants and agreements under this Security Instrument and the Note. For this purpose, Borrower
does hereby mortgage, grant and convey to MERS (solely as nominee for Lender and Lender's successors and
FL -EA Wyoming Mortgage with MERS 4/96
4N(WY) u1509I Amended 2/01
Pa 1 or9 2630356007 Initial
VMP Mortgage Solutions, Inc.
(Space Above This Line For Recording Data]
MORTGAGE
60
RECEIVED 6/11/2013 at 2:10 PM
RECEIVING 971413
BOOK: 813 PAGE: 428
JEANNE WAGNER
LINCOLN COUNTY CLERK, KEMMERER, WY
FHA Case No.
591-1279030-703
MIN 100039033166350714
May 25, 2013
111 IIIIIIIII II111 II I III IIIIIIIII IIII III
SEE EXHIBIT "A" ATTACHED HERETO AND MADE A PART HEREOF.
SUBJECT TO COVENANTS OF RECORD.
004 29
assigns) and to the successors and assigns of NIERS with power of sale, the following described property located in
Lincoln County, Wyoming:
Parcel ID Number: I2- 3518- 32- 2- 03- 030. 00
which has the address of 1418 Vista Dr [Street]
Star Valley Ranch [City], Wyoming 83127 [Zip Code] "Property Address
TOGETHER. WITH all the improvements now or hereafter erected on the property, and all easements,
appurtenances and fixtures now or hereafter a part of the property. All replacements and additions shall also be
covered by this Security Instrument. All of the foregoing is referred to in this Security Instrument as the "Property."
Borrower understands and agrees that MERS holds only legal title to the interests granted by Borrower its this
Security Instrument; but, if necessary to comply with law or custom, MERS, (as nominee for Leader and Lender's
successors and assigns), has the right: to exercise any or all of those interests, including, but not limited to, the right
to foreclose and sell the Property; and to take any action required of Lender including, but not limited to, releasing or
canceling this Security Instrument.
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, except for encumbrances of record.
Borrower warrants and will defend generally the title to the Property against all claims and demands, subject to any
encumbrances of record.
THIS SECURITY INSTRUMENT combines uniform covenants for national use and non uniform covenants
with limited variations by, jurisdiction to constitute a uniform security instrument covering real property.
Borrower and Lender covenant and agree as follows:
UNIFORM COVENANTS.
1. Payment of Principal, Interest and Late Charge. Borrower shall pay when due the principal of, and
interest on., the debt evidenced by the Note and late charges clue under the Note.
2, Monthly Payment of Taxes, Insurance and Other Charges. Borrower shall include in each monthly
payment, together with the principal and interest as set forth in the Note and any late charges, a sum for (a) taxes and
special assessments levied or to be levied against the Property, (b) leasehold payments or ground rents on the
Property, and (c) premiums for insurance required under paragraph 4. In any year in which thie Lender must. pay a
mortgage insurance premium to the Secretary of Housing and Urban Development ("Secretary"), or in any year in
wlhich such premium would have been required if Leader still held the Security Instrument, each monthly payment
shall also include either: (i) a sum for the annual mortgage insurance premium to be paid by Lender to the Secretary,
or (ii) a monthly charge instead of a mortgage insurance premium if this Security Instrtunent is held by the Secretary,
in a reasonable amount to be determined by the Secretary. Except for the monthly charge by th.e Secretary, these
items are called "Escrow Items" and the sums paid to Lender are called "Escrow Funds
Lender rnay, at any time, collect and hold amounts for .Escrow Items in an aggregate amount not to exceed the
maximum amount that may be required for Borrower's escrow account under the Real Estate Settlement Procedures
Act of 1974, 12 U.S.C. Section 2601 er seq. and implementing regulations, 24 CFR Part 3500, as they may be
amended from time to time ("RESPA"), except that the cushion or reserve permitted by RESPA for unanticipated
disbursements or disbursements before the Borrower's payments are available in the account may not be based on
a mounts due for the mortgage insurance premium.
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If the amounts held by Lender for Escrow Items exceed the amounts permitted to he held by RESPA, Lender
shall account to Borrower for the excess funds as required by RESPA. If the amounts of funds held. by Lender at any
time are not sufficient to pay the Escrow Items when due, Lender may notify the Borrower and. require Borrower to
snake up the shortage as permitted by RESPA.
The Escrow Funds are pledged as additional security for all sums secured by this Security Instrument. If
Borrower tenders to Lender the full payment of all such suns. Borrower's account shall be credited with the balance
remaining for all installment items (a), (b), and (c) and any mortgage insurance premium installment that Lender has
not become obligated to pay to the Secretary, and Lender shall promptly refund any excess funds to Borrower.
Immediately prior to a foreclosure sale of the Property or its acquisition by Lender, Borrower's account shall be
credited with any balance remaining for all installments for items (a), (b), and. (c).
3. Application of' Payments. All payments under paragraphs I and 2 shall be applied by Lender as follows:
First, to the mortgage insurance premium to be paid by Lender to the Secretary or to the monthly charge by the
Secretary instead of the monthly mortgage insurance premium;
Second, to any taxes, special assessments, leasehold payments or ground rents, and fire, flood and other hazard
insurance premiums, as required;
Third to interest due under the Note;
Fourth., to amortization. of the principal of the Note; and
Fifth, to late charges due under the Note.
4. Fire, Flood and Other Hazard Insurance. Borrower shall insure all improvements on the Property, whether
now in existence or subsequently erected, against any hazards, casualties, and contingencies, including fire, for which
Lender requires insurance. This insurance shall be maintained in the amounts and for the periods that Lender
requires. Borrower shall also insure all improvements on the Property, whether now in existence or subsequently
erected, against loss by floods to the extent required by the Secretary. All insurance shall he carried with companies
approved by Lender. The insurance policies and any renewals shall be held by Lender and shall include loss payable
clauses in favor of, and in a form, acceptable to, Lender.
in the event of loss, Borrower shall give Lender immediate .notice by !nail. Lender may make proof of loss if not
made promptly by Borrower. Each insurance company concerned is hereby authorized and directed to snake payment
for such loss directly to Lender, instead of to Borrower and to Lender jointly. Al! or any part of the insurance
proceeds may be applied by Lender, at its option, either (a) to the reduction. of the indebtedness under die Note and
this Security Instrument, first to any delinquent amounts applied in the order in paragraph 3, and then to prepayment
of principal, or. (b) to the restoration or repair of the damaged Property. Any application. of the proceeds to the
principal shall not extend or postpone the due date of the monthly payments which. are referred to in paragraph 2, or
change the amount of such. payments. Any excess insurance proceeds over an amount required to pay all outstanding
indebtedness under the Note and this Security Instrument shall be paid to the entity legally entitled thereto.
In the event of foreclosure of this Security Instrument or other transfer of title to the Property that extinguishes
the indebtedness, all right, title and interest of Borrower in and to insurance policies in force shall pass to the
purchaser.
5. Occupancy, Preservation, Maintenance and Protection of the Property; Borrower's Loan. Application;
Leaseholds. Borrower shall occupy, establish, and use the Property as Borrower's principal residence within sixty
days after the execution of this Security Instilment (or within sixty days of a later sale or transfer of the Property)
and sh.all continue to occupy the Property as Borrower's principal residence for at least one year after the date of
occupancy, unless Lender determines that requirement will cause undue hardship for Borrower, or unless extenuating
circumstances exist which are beyond Borrower's control. Borrower shall notify Lender of any extenuating
circumstances. Borrower shall not commit. waste or destroy, damage or substantially change the Property or allow the
Property to deteriorate, reasonable wear and tear excepted. Lender !nay inspect the Property if the Property is vacant
or abandoned. or the loan is in d.efau.lt. Lender may take reasonable action to protect and preserve such vacant or
111
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abandoned Property. Borrower shall also be in default if Borrower, d.u.ring 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 limited to, representations
concerning Borrower's occupancy of the Property as a principal residence. If this Security Instrument is on a
leasehold, Borrower shall comply with the provisions of the lease. If Borrower acquires fee title to the Property, the
leasehold. and fee title shall not be merged unless Lender agrees to the merger in writing.
6. Condemnation. The proceeds of any award or claim for damages, direct or consequential, in connection with
any condemnation or other taking of any part of the Property, or for conveyance in place of condemnation, are
hereby assigned and shall be paid to Leader to the extent of the full amount of the indebtedness that remains unpaid
under the Note and this Security Instrument. Lender shall apply such proceeds to the reduction of the indebtedness
under the Note and this Security Instrument, first to any delinquent amounts applied in the order provided in
paragraph 3, and then to prepayment of principal. Any application of the proceeds to the principal shall not extend or
postpone the clue date of the monthly payments, which are referred to in paragraph 2, or change the amount of such
payments. Any excess proceeds over an amount required to pay all outstanding indebtedness under the Note and this
Security Instrument shall be paid to the entity legally entitled thereto.
7. Charges to Borrower and Protection of Lender's Rights in the Property. Borrower shall pay all
governmental or municipal charges, fines and impositions that are not included in paragraph 2. Borrower shall pay
these 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 furnish to Lender receipts
evidencing these payments.
If Borrower fails to make these payments or the payments required by paragraph 2, or fails to perform any other
cove:nan.ts 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 condemnation or to enforce laws or
regulations), then Lender may do and pay whatever is necessary to protect the value of the Property 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 additional debt of Borrower and be
secured by this Security Instrument. These amounts shall bear interest from the date of disbursement, at the Note
rate, and at the option. of Lender, shall he immediately due and payable.
Borrower shall promptly discharge any lien which has priority over this Security Instrument unless Borrower:
(a) agrees in writing to die payment of the obligation secured by the lien in a manner acceptable to Lender; (b)
contests in good faith the lien by, or defends against enforcement of the lien in, legal proceedings which in the
Lender's opinion operate to prevent the enforcement of the lien; or. (c) secures from the holder of the lien an
agreement satisfactory to Lender subordinating the lieu to this Security Instrument. If Lender determines that any part
of the Property is subject to a lien which. may attain. priority over this Security Instrument, Lender may give
Borrower a notice identifying the lien. Borrower shall satisfy the lien or take one or more of the actions set forth
above within 10 days of the giving of notice.
8. Fees. Lender may collect fees and charges authorized by the Secretary.
9. Grounds for Acceleration of Debt.
(a) Default. Lender may, except as limited by regulations issued by the Secretary, in the case of payment
defaults. require immediate payment in full of all sumps secured by this Security Instrument. if:
(i) Borrower defaults by failing to pay in full any monthly payment required by this Security lastmment
prior to or on the due date of the next monthly payment, or
(ii) Borrower defaults by failing, for a period of thirty days, to perform any other obligations contained
in this Security .Instrument.
(b) Sale Without Credit Approval. Lender shall, if permitted by applicable law (including Section 341(d)
of the Garn -St. Germain Depository Institutions Act of 1982. 12 U.S.C. 1701j -3(d)) and with the prior
approval of the Secretary, require immediate payment in full of all sums secured by this Security Instrument
if:
(3 (3 43
(i) All or part of the Property, or a beneficial interest in a tn>st owning all or part of the Property, is sold
or otherwise transferred. (other than by devise or descent), and
(ii) The Property is not occupied by the purchaser or grantee as his or her principal residence, or the
purchaser or grantee does so occupy the Property but his or her credit has not been approved in
accordance with the requirements of the Secretary.
(e) No Waiver. If circumstances occur that would permit Lender to require immediate payment in full, but
Lender does not require such payments, Lender does not waive its rights with respect to subsequent events.
(d) Regulations of HUD Secretary. In many circumstances regulations issued by the Secretary will limit
Lender's rights, in the case of payment defaults, to require immediate payment in full and foreclose if not
paid. This Security Instrument does not authorize acceleration or foreclosure if not permitted by regulations
of the Secretary.
(e) Mortgage Not Insured. Borrower agrees that if this Security Instrument and the Note are not determined
to be eligible for insurance under the National Housing Act within 60 days from the date hereof, Lender
may, at its option, require immediate payment in full of all sums secured by this Security Instrument. A
written statement of any authorized agent of the Secretary dated subsequent to 60 days from the date hereof,
declining to insure this Security Instrument and the Note, shall be deemed conclusive proof of such
ineligibility. Notwithstanding the foregoing, this option may not he exercised by Lender when. the
unavailability of insurance is solely due to Lender's failure to remit a mortgage insurance premium to the
Secretary.
10. Reinstatement. Borrower has a right to he reinstated if Lender has required immediate payment in full
because of Borrower's failure to pay an amount due under the Note or this Security Instrurnen.t, This right applies
even after foreclosure proceedings are instituted. To reinstate the Security Instrument, Borrower shalt tender in a
lump sum all amounts required to bring Borrower's account current including, to the extent they are obligations of
Borrower under this Security Instrument, foreclosure costs and reasonable and customary attorneys' fees and expenses
properly associated with the foreclosure proceeding. Upon reinstatement by Borrower, this Security Instrument and
the obligations that it secures shall remain in effect as if Lender had not required i.rninediate payment in full.
However, Lender is not required to permit reinstatement if: (i) Lender has accepted reinstatement after the
conunen.cc.ment of foreclosure proceedings within two years immediately preceding 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.
11. :Borrower Not Released; .Forbearance By Lender Not a Waiver. Extension of the time of payment or
modification of amortization of the sums secured by this Security Instrument granted by Lender to any successor in
interest of Borrower shall not operate to release the liability of the original Borrower or Borrower's successor in
interest. Lender shall not be required to commence proceedings against any successor in interest or refuse to extend
time for payment or otherwise modify amortization of the sums secured by this Security Instrument by reason of any
demand made by the original Borrower or Borrower's successors 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.
12. Successors and Assigns Bound; Joint and Several Liability; Co Signers. The covenants and agreements
of this Security Instrument shall bind and benefit the successors and assigns of Lender and Borrower, subject to the
provisions of paragraph 9(h). Borrower's covenants and agreements shall he joint and several. Any Borrower who
co- signs this Security Instrument but does not execute the Note: (a) is co- signing this Security instrument only to
mortgage, grant and convey that Borrower's interest in the Property under the terms of this Security Instrument; (b)
is not personally obligated to pay the sums secured by this Security Instrument; and (c) agrees that Lender and any
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.
111 11111 11)11 Q 01 1111111,111 9 111111111 11111111
gY1�w- 4N(WY) (05091
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13. Notices. Any notice to Borrower provided for in this Security Instrument shall be given by delivering it or
by mailing it by first class mail unless 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 mail to Lender's address stated herein or any address Lender designates by notice to Borrower.
Any notice provided for in this Security Instrument shall be deemed to have been given to Borrower or Lender when
given as provided in this paragraph.
14. Governing Law; Severability. This Security Instrument shall be governed by Federal law and the law of
the jurisdiction in which the Property is located. 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. To this end the provisions of this Security
Instrument and. the Note are declared to be severable.
15. Borrower's Copy. Borrower shall be given one conformed copy of the Note and. of this Security
instrument.
16. Hazardous Substanc Borrower shall not cause or permit the presence, use, disposal, storage, or release
of any Hazardous Substances on or in. the Property. Borrower shall not do, nor allow anyone else to do, anything
affecting the Property that is in violation of any Environmental Law. The preceding two sentences shall not apply to
the presence, use, or storage on the Property of small quantities of H.azardous Substances that are generally
recognized to be appropriate to normal. residential uses and to maintenance of the Property.
Borrower shall promptly give Lender written notice of any investigation, claim, demand, lawsuit or other action
by any governmental or regulatory agency or private party involving the Property and any Hazardous Substance or
Environmental Law of which. Borrower has actual knowledge. If Borrower learns, or is notified by any governmental
or regulatory authority, that any removal or other retnediation of any Hazardous Substances affecting the Property is
necessary, Borrower shall promptly take all necessary remedial actions in accordance with Environmental Law.
As used in. this paragraph 16, "Hazardous Substances" are those substances defined as toxic or hazardous
substances by Environmental Law and the following substances: gasoline, kerosene, other flammable or toxic
petroleum. products, toxic pesticides and herbicides, volatile solvents, materials containing asbestos or formaldehyde,
and radioactive materials. As used in this paragraph .16, "Envirotunerttal Law" means federal laws and laws of the
jurisdiction where the .Property is located that relate to health, safety or environmental. protection.
NON UNIFORM COVENA.NTS. Borrower and Lender further covenant and agree as follows:
17. Assignment of Rents. Borrower unconditionally assigns and transfers to Lender all the rents and revenues
of the Property. Borrower authorizes Lender or Lender's agents to collect the rents and revenues and hereby directs
each tenant of the Property to pay the rents to Lender or Lender's agents. However, prior to Lender's notice to
Borrower of Borrower's breach of any covenant or agreement in the Security Instrument, Borrower shall collect and
receive all rents and revenues of the Property as trustee for the benefit of Lender. and Borrower. This assig.ninent of
rents constitutes an absolute assignment and not an assignment for additional security only.
If Lender gives notice of breach t.o Borrower: (a) all rents received by Borrower shall be held by Borrower as
trustee for benefit of Lender only, to be applied to the sums secured by the Security Instrument; (b) Lender shall be
entitled to collect and receive all of the rents of the Property; and (c) each tenant of the Property shall pay all. rents
due and unpaid to Lender or Lender's agent on Lender's written demand to the tenant.
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 under this paragraph 17.
Lender shall not be required to enter upon, take control of or maintain the Property before or after giving notice
of breach to Borrower. However, Lender or a judicially appointed receiver may do so at any time there is a breach.
Any application of rents shall not cure or waive any default or invalidate any other right or remedy of Lender. This
assigtunent of rents of the Property shall terminate when the debt secured by the Security Instrument is paid in full.
III IIIIIIIIIIIIII IIIIIIIIIIIIIIIIIIIIIIIIIIIIIIII
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18. Foreclosure Procedure. If Lender requires immediate payment in full under paragraph 9, Lender may
invoke the power of sale and any other remedies permitted by applicable law. Lender shalt be entitled to collect
all expenses incurred in pursuing the remedies provided in this paragraph 18, 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 its the manner provided in paragraph 13. 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 any sale. The proceeds of the sale shall be applied in the following order: (a) to all expenses of the
sale, 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.
If the Lender's interest its this Security Instrument is held by the Secretary and the Secretary requires
immediate payment in full under Paragraph 9, the Secretary may invoke the nonjudicial power of sale
provided in the Single Family Mortgage Foreclosure Act of 1994 "Act (12 U.S.C. 3751 et seq.) by requesting
a foreclosure commissioner designated under the Act to commence foreclosure and to sell the Property as
provided in the Act. Nothing in the preceding sentence shall deprive the Secretary of any rights otherwise
available to a Lender under this Paragraph 18 or applicable law.
19. Release. Upon payment of all sums secured by this Security Instrument, Lender shall release this Security
Instrument without charge to Borrower. Borrower shall pay any recordation. costs.
20. Waivers. Borrower waives all rights of h.ontestead exemption in the Property and relinquishes all rights of
curtesy and dower in the Property.
21. Riders to this Security Instrument. If one or more riders are executed by Borrower and recorded together
with this Security Instrument, the covenants of each such rider shall be incorporated into and shall amend and
supplement the covenants and agreements of this Security Instrument as if the rider(s) were a part of this Security
Instrument. [Check applicahl.e box(es)].
I T Condominium Rider I Growing Equity Rider Oth.er. [specify]
r 1 Plarmed Unit Development .Rader. n Graduated Payment Rider Legal Attached
III g0332e IIIIIII63II507i IIIII 0233 IIIIIII 0 IIIIII 70 IIIIIIIIIIIIIIIIIII 9
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Borrower
C- 4N(WY) (0509(
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L.�
BY SIGNING BELOW, Borrower accepts and agrees to the terms contained in this Security Instniment FF in
any rider(s) executed by Borrower and recorded with it.
Witnesses: J 1
05/25/2013 (Seal)
Christopher Rogers Pierce Borrower
(Seal)
Borrower
(Seal) (Seal)
Borrower -.Borrower
(Seal)
Borrower
(Seal) (Seal)
Borrower Borrower
roa il12v 4i
STATE OF WYOMING, L inc
The foregoing instrwnent was acknowledged before nie this
by
Christopher Rogers Pierce,
My Commission Expires: /3 11
t JER J. CORONADO
COMM. 1847903
m Wit:^ MQTARYPUBLIC
a SUTTER COUNTY N
A"pop EXP, JUN 3, 2013
III II! IIII II o II II III i III I IIIII I IIII III II II III
0 (0009)
Page: 0 0 9
County ss:
May 25, 2013
60431;
THE LAND REFERRED TO HEREIN BELOW IS SITUATED IN THE COUNTY OF
LINCOLN, STATE OF Wyoming, AND IS DESCRIBED AS FOLLOWS:
LOT 50 OF STAR VALLEY RANCH FLAT 13, LINCOLN COUNTY, WYOMING, AS
SHOWN ON THE OFFICIAL PLAT THEREOF FILED AUGUST 10, 1977, AS RECEIVING
NO, 496704, IN THE OFFICE OF THE CLERK, LINCOLN COUNTY, WYOMING, AS PLAT
NO. 210.
Parcel ID: 12- 3518- 32 -2 -03- 030.00
Commonly known as 1418 Vista Dr, Star Valley Ranch, WY 83127
However, by showing this address no additional coverage is provided
1 1
1
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Exhibit A
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*UO3937821*
1632 6/5/2013 78749262/1
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