HomeMy WebLinkAboutSUB200000241 Plat 2000-12-12K�r
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After Recording Return To:
Decision One Mortgage Company, LLC
Agent for Household Bank, f.s.b.
60601.A. Jones Drive, Suite 800
Charlotte, North Carolina 28287
4A± P4-76
009343
[Space Above This line For Recording Data)
Loan Number 2010-01054663-031
DEED OF TRUST
The following information, as further defined below, is provided in accordance with Virginia law:
Tlds Deed of Trust is given by GARY BRYANT HONEYWELL and NANCY LOU HONEYWELL, as
Borrower (trustor), to C. GRICE McMULLAN, JR, as Trustee, for the benefit of Household Bank, Es b., as
beneficiary.
DEFINITIONS
Words used in multiple sections of this document are defined below and other words are defined in Sections 3,
11, 13, 18, 20 and 21. Certain rules regarding the usage of words used in this document are also provided in
Section 16.
(A) "Security Instrument" means this document, which is dated JULY 12, 2001, together with all Riders to
this document.
(B) "Borrower" is GARY BRYANT HONEYWELL and NANCY LOU HONEYWELL. Borrower is the
trostor under this Security Instrument.
(C) "Lender" is Household Bank, f.s b.. Lender is a FEDERAL SAVINGS BANK organized and existing
under the laws of NEVADA. Lender's address is 1111 TOWN CENTER DRIVE, LAS VEGAS, NEVADA
89144. Lender is the beneficiary under this Security Instrument.
(D) "Trustee" is C. GRICE McMULLAN, JR. Trustee (whether one or more persons) is a Virginia resident
and/or a United States- or Virginia -chartered corporation whose principal office is located in Virginia.
Trustee's address is 100 SHOCKOE SLIP, RICHMOND, VIRGINIA 23219.
(E) "Note" means the promissory note signed by Borrower and dated JULY 12, 2001. The Note states that
Borrower owes Lender THREE HUNDRED SEVENTY-EIGHT THOUSAND ONE HUNDRED AND
00/106ths Dollars (U.S.$378,100.00) plus interest Borrower has promised to pay this debt in regular Periodic
Payments and to pay the debt in full not later than JULY 17, 2031.
(F) "Property" means the property that is described below tinder die heading "Transfer of Rights in the
Property.
VIRGINIA-Single Family -Fannie Mae/Freddle Mac UNIFORM INSTRUMENT
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(C) "Loan" means the debt evidenced by the Note, plus interest, any prepayment charges and late charges due
under the Note, and all suns due under this Security InsIm em, 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]:
Cl Adjustable Rate Rider
0 Balloon Rider
❑ Condominium Rider ❑ Second Home Rider
❑ Phmred Unit Development Rider ❑ Other(s) [specify)
01-4 Fancily Rider ❑ Biweekly Payment Rider
(1) "Applicable Law" means all controlling applicable federal, state and local statutes, regulations, ordinances
and administrative rules and orders (that have the effect of law) as w ell as all applicable final, non -appealable
judicial opinions.
(,q "Community Association Dues, Fees, and Assessments" means all dues, foes, assessments and other
charges that ate 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 instrument, which is initiated through an electronic terminal, telephonic insmunent,
computer, or magnetic tape so as to order, instruct, or authorize a financial institution to debit or credit an
account. Such term includes, but is not limited to, point -of -sale transfers, automated teller machine
transactions, transfers 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 compensation, settlement, award of damages, or proceeds paid by
any third party (other than insurance proceeds paid under 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 Property; (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 Lender against the nonpayment of, or default OIL die
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 instrument.
(P) "RESPA" means the Real Estate Settlement Procedures Act (12 U.S.C. § 2601 et seq.) and its
implementing regulation, Regulation X (24 C.F.R. Part 3500), as they might be amended from ume to time, or
any additional or successor legislation or regulation that governs the same subject matter. As used in this
Security Instrument, "RESPA" refers to all requirements and resmcuons that are imposed in regard to a
"federally related mortgage loan" even if the Loan does not qualify as a "federally related mortgage loan" und
aner
RESPA.
(Q) "Successor in Interest of Borrower" means any party that has taken title to the Property, whether or not
that party has assorted Borrower's obligations under the Note and/or this Security Instrument.
TRANSFER OF RIGHTS IN THE PROPERTY
This Security Instrument secures to Lender: (i) the repayment of the Loan, and all renewals, extensions and
modifications of the Note; and (ii) the performance of Borrowers covenants and agreements tinder this Security
Instrument and the Note. For this purpose, Borrower irrevocably grants and conveys to Trustee, in trust, with of
power of sale, the following described property located in the _ City _ _
CHARLOTTESVILLE _ [Type of Recording Jurisdiction]
[Name of Recording Jurisdiction]
1'IRGINI.4-Single Fmnily-Fannie Mae/Freddie Mac UNIFORM INSTRUMENT Form 3047 1/01 (page 1 of 13 pages)
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SEE ATTACHED SCHEDULE "A"
which currently has the address of 1932 SWEET HOLLOW LANE
(Streeq
CHAR1OT1ESy1LLE , Virginia _ 22903 ("Property Address"):
-- (City/Countyl (Zip Codel
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 COVENANTS that Borrower is lawfully seised of the estate hereby conveyed and has the
right to grant and convey the Property and that the Property is unencumbered, except for encumbrances of
record. Borrower warrants and will defend genetalty the tide 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.
UNIFORM COVENANTS. Borrower and Lender covenant and agree as follows:
1. Payment of Principal, Interest, Escrow Items, Prepayment Charges, and.Late Charges. Borrower
shall pay when due the principal of, and interest on, the debt evidenced by the Note and any prepayment
charges and late charges due under die Note. Borrower shall also pay funds for Escrow Items pursuant to
Section 3. Payments due under the Note and this Security Instrument shall be made in U.S. currency.
However, if any check or other insmiment received by lender as payment under the Note or this Security
Instrument is returned to Lender unpaid, Lender may require that any or all subsequent payments due under the
Note and this Security Instrument be made in one or more of the following forms, as selected by Lender. (a)
cash; (b) money order; (c) certified 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 federal agency, instrumentality, or entity; or
(d) Electronic Funds Transfer.
Payments are deemed received by Lender when received at the location designated in the Note or at such
otter 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 insufficient to bring de Loan
current. Lender may accept any payment or partial payment insufficient to bring the Loan current, without
waiver of any rights hereunder or prejudice to its rights to refuse such payment or partial payments in the
future, but Lender is not obligated to apply such payments at the the such payments are accepted. If each
VIRGINIASingle Family -Fannie MadFreddte Attic UNIFORM INSTRUMENT Form 3047 1/01 Usage 3 of 13 pages)
If
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Periodic Payment is applied as of its scheduled due date, (lien Lender need not pay interest on imapplied funds.
Lender may hold such unapplied funds until Borrower makes payment to bring the Loan current. If Borrower
does not do so within a reasonable period of time. Lender shall either apply such funds or return them to
Borrower. If not applied earlier, such funds will be applied to the outstanding principal balance under the Note
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
performing the covenants and agreements secured by this Security Instrument.
2. Application of Payments or Proceeds Except as otherwise described in this Sccdon 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 amounts shall be applied first to
late charges, second to any other amounts due under this Security Instrument, and then to reduce de principal
balance of the Note.
If lender receives a payment front Borrower for a delinquent Periodic Payment which includes a sufficient
amount to pay any late charge due, the payment may be applied to die delinquent payment and the late charge.
If more tan 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
extent that any excess exists after die payment is applied to the full payment of one or more Periodic Payments,
such excess may be applied to any late charges due. Voluntary prepayments shall be applied first to any
prepayment charges and then as described in the Note.
Any application of payments, insurance proceeds, or Miscellaneous Proceeds to principal due ruder 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 sum (the "Fads") to provide for payment of amounts due for. (a) taxes
and assessments and other items which can attain priority over this Security Instrument as alien or encumbrance
on the Property; (b) leasehold payments or ground 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 die payment of Mortgage Insurance premiums in accordance with the
provisions of Section 10. These items arc called "Escrow Items." At origination or at any time during the term
of the Loan, Lender may require that Community 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
furnish to Lender all notices of amounts to be paid under this Section. Borrower shall pay Lender the Funds
for Escrow Items unless Lender waives Borrower's obligation to pay the Funds for any or all Escrow Items.
Lender may waive Borrower's obligation to pay to Under 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 Item for which payment of Funds has been waived by Lender
and, if Lender requires, shall furnish to Lender receipts evidencing such payment within such time period as
Lender may require. Borrower's obligation to 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 Borrower shalt then be obligated under Section 9 to repay to Lender 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, tat are then required under this Section 3.
Lender may, at any time, collect and hold Funds in an amount (a) sufficient to permit Lender to apply the
Funds at tine time specified under RESPA, and (b) not to exceed the maximunh amount a lender can require
under RESPA. Lender shall estimate the amount 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.
VIRGINIA-Single Family-FsnNe Mae/Freddie Mac UNIFORM INSTRUMEWI' Form 3047 1101 (page 4 oj13 pages)
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The Funds shall be held in an institution whose deposits are insured by a federal agency, instnuttentality,
or entity (including Lender, if Lender is an institution whose deposits are so insured) or in any Federal Home
Loan Bank. Lender shall apply the Funds to pay ttie Escrow Items no later than the time specified under
RESPA. Lender shall not charge Borrower for holding and applying the Funds, annually analyzing the escrow
account, or verifying the Escrow Items, unless Lender pays Borrower interest on the Funds and Applicable Law
permits Lender to make such a charge. Unless an agreement is made in writing or Applicable Law requires
interest to be paid on the Funds, Lender stall not be required to pay Borrower any interest or eartings on the
Funds. Borrower and Lender can agree in writing, however, that interest shall be paid on the Funds. Lender
shall give to Borrower, without charge, an amoral accounting of the Funds as required by RESPA.
If there is a surplus of Funds held in escrow, as definied under RESPA, Lender shall account to Borrower
for the excess funds in accordance with RESPA. If there is a shortage of Funds 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 shonage in accordance with RESPA, but in no more than 12 monthly
payments. If there is a deficiency of Funds held in escrow, as defined under RESPA. Lender stall notify
Borrower as required by RESPA, and Borrower shall pay to Lender the amount necessary to make up the
deficiency in accordance with RESPA, but in no more than 12 monthly payments.
Upon payment in full of all sums secured by this Security Instrument, Lender shall promptly refund to
Borrower any Funds held by Lender.
4. Charges; Liens. Borrower shall pay all taxes, assessments, charges, fines, and impositions attributable
to the Property which can attain priority over this Security insuunment, leasehold payments or ground rents on
the Property, if any, and Community Association Dues, Fees, and Assessments, if any. To the extent that these
items are Escrow Items, Borrower shall pay them in the manner provided in Section 3.
Borrower shall prorptly discharge any hen which has priority over this Security Instmment 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 performing such agreement; (b) contests the lien in good faith by, or
defends against enforcement of the lien in, legal proceedings which in Lender's opinion operate to prevent the
enforcement of the lien while those proceedings are pending, but only until such proceedings are concluded; or
(c) secures from the !older of the lien an agreement satisfactory to Lender subordinating the lien to this Security
Instrument. If Lender determines tat any pan of the Property is subject to a lien which can attain priority over
this Security Instrument, Lender may give Borrower a notice identifying the lien. Within 10 days of the date
on which tint notice is given, Borrower stall satisfy the lien or take one or more of the actions set forth above
in this Section 4.
Lender may require Borrower to pay a one-time charge for a real estate tax verification and/or reporting
service used by Lender in connection with this Loan
5. Property Insurance. Borrower slall 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, earthquakes and floods, 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 semertces 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 be exercised unreasonably. Lender may require Borrower
to pay, in connection with this Loan, either. (a) a one-time charge for flood zone determination, certification
and tracking services; or (b) a one-time charge for flood zone determination and certification services and
subsequent charges each time remappings or similar changes occur which reasonably might affect such
determination or certification. Borrower shall also be responsible for the payment of any fees imposed by the
Federal Emergency Management Agency itt connection with do review of any flood zone detemination
resulting from an objection by Borrower.
VIRGINIA-Single Family -Fannie Mae/Freddle Mac UNIFORM INSTRUMENT Form 3047 1101 (page 3 of 13 pages)
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If Borrower fails to maintain any of the coverages described above, Lender may obtain insurance coverage,
at Lenders option and Borrower's expense. Lender is under no obligation to purchase any particular type or
amount of coverage. Therefore, such coverage shalt cover Lender, but might or might not protect Borrower,
Ilarrowees equity in the Property, or the contents of the Property, against any risk, har-ard or liability and
might provide greater or lesser coverage than was previously in effect. Borrower acknowledges that the cost of
the insurance coverage so obtained might significantly exceed the cost of insurance tat Borrower could have
obtained. Any amounts disbursed by Lender under this Section 5 shall become additional debt of Borrower
secured by this Security Instrument. TTuse 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 Lendees 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 policies and renewal certificates. If
Lender requires, Borrower shall promptly give to Leader all receipts of paid prenniums 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 Amer and Lender. Lender may
make proof of lox., if not trade promptly by Bonower. Unless Lender and Borrowerotherwwise agree in
writing, any insurance proceeds, whether or not the underlying insurance was required by Lender, shall be
applied to restoration or repair of the Property, if die 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 unfit 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 die
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 Lcndees security would be lessened, die insurance proceeds shall be applied to the
sums secured by this Security Instrument, whether or not then due, with the excess, if any, paid 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 30day period will begin
when the notice is given. In either event, or if Lender acquires die 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 Instrument, and (b) any other of Borrower's rights (other
than the right to any refund of unearned premiums paid by Borrower) under all insurance policies covering the
Property, insofar as such rights are applicable to the coverage of tie 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
Instrument, whether or not then due.
6. Occupancy. Borrower shall occupy, establish, and use the Property as Borrowees principal residence
within 60 days after the execution of dos Security Instrument and shall continue to occupy die Property as
Borrowers principal residence for at least one year after the date of occupancy, unless Lender otherwise agrees
in writing, which consent shall not be unreasonably withheld, or unless extenuating circumstances exist which
are beyond Borrower's control.
VIRGINIA-Single Family-Farude Mae/Freddie Mae UNIFORM INSTRUMENT Form 3047 1/01 (page 6 of 13 pages)
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7. Preservation, Maintenance and Protection of the Property; inspections. Borrower shall not destroy,
damage or impair the Property, allow the Property to deteriorate or conurdt waste on the Property. Whether or
not Borrower is residing in the Property, Borrower shall maintain the Property in order to prevent the Property
from deteriorating or decreasing in value due to its condition Unless it is detemrined pursuant to Section 5 that
repair or restoration is not economically feasible, Borrower shall promptly repair the Property if damaged to
avoid further deterioration or damage. If insurance 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 condenmation 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 if, during the Loan application process,
Borrower or any persons or entities acting at the direction of Borrower or with Borrower's knowledge or
consent gave materially false, misleading, or inaccurate information or statements to Lender (or failed to
provide Lender with material infortruntion) in connection with the Loan. Material representations include, but
are not limited to, representations concerning Borrower's occupanry of the Property as Bonow•ees principal
residence.
9. Protection of Lender's Interest in the Property and Rights Under this Security Instrument. If (a)
Borrower fails to perform the covenants and agreements contained in this Security Instrument, (b) there is a
legal proceeding that might significantly affect Lender's interest in the Property and/or rights tinder this
Security Instrument (such as a proceeding in bankruptcy, probate, for condemnation or forfeiture, for
enforcement of a lien which may attain priority over this Security Instrument or to enforce 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 under this Security hstrurnent, including
protecting and/or assessing the value of the Property, and securing and/or repairing the Property. Lender's
actions can include, but are not limited to: (a) paying any suns secured by a lien which has priority over this
Security Instrument; (b) appearing in court; and (c) paying reasonable attorneys' fees 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 limited to, entering the Property to male 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
this 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 arryy or all actions authorized under this Section 9.
Any amounts disbursed by Lender under this Section 9 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.
If this Security Instrument is on a leasehold, Borrower shall 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 Mortgage Insurance as a condition of making the Loan,
Borrower shall pay the premiums required to maintain the Mortgage Insurance in effect. If, for 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 obtain coverage
substantially equivalent to the Mortgage Insurance previously in effect, at a cost substantially equivalent to the
cost to Borrower of the Mortgage Insurance previously in effect, from an alternate mortgage insurer selected by
VIRGINIA-Sin& Family-Famdr Mae/Freddic Mac UNIFORM INSTRUMENT Form 3047 1/01 (page 7 of 13 pages)
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Lender. If substantially equivalent Mortgage Insurance coverage is not available, Borrower shall continua; to
Pay to Lender the amount of the separately designated payments that were due when the insurance coverage
ceased to be in effect. Lender will accept, use and retain these payments as a non-refundable loss reserve in
lieu of Mortgage Insurance Such loss reserve shall be non-refundable, notwithstanding the fact that the Loan is
ulpniately 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 resen-e payments if Mortgage Insurance coverage (in to amount
and for (Ike period that Lender requires) provided by an insurer selected by Lender again becomes available, is
obtained, and Lender requires separately designated payments toward the premiums for Mortgage Insurance. If
Lender required Mortgage Insurance as a condition of making ile 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-refundable loss reserve, until Lender's
requirement for Mortgage Insurance ends in accordance with any written agreement between Borrower and
Lender providing for such termination or umil termination is required by Applicable Law. Nothing in this
Section 10 affects Borrowers obligation to pay interest at the rate provided in the Note.
Mortgage Insurance reimburses Lender (or any entity that purchases the Note) for certain 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 Stich insurance in force from time to time, and may enter
into agreements with other parties that share or modify their risk, or reduce losses. These agreements are on
terns and conditions that are satisfactory 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 funds
that the mortgage insurer may have available (which ,hay include fends 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) amounts that derive
from (or night be characterized as) a Portion of Borrowees payments for Mortgage Insurance, in exchange for
sharing or modifying the mortgage insurer's risk, or reducing losses. If such agreement provides that an
affiliate of Lender takes a share of the insurer's risk in exchange fora share of the premiums paid to the
insurer, the arrangement is often termed "captive reinsurance." Further.
(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 has - if any - with respect to the
Mortgage Insurance under the Homeowners Protection Act of I"S 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 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 pay for the repairs and restoration in a
single disbursement 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 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 suers secured by this Security Instrument, whether or not then due, with the excess, if any, paid
to Borrower. Such Miscellaneous Proceeds shall be applied in the order provided for in Section 2.
VIRGINIA-Single Family -Fannie Mae/Freddle Mac UNIFORM INSTRUDIENT Furst 3047 1/01 (page 8 of 13 pages)
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q2054Pc071!
event of a total taking, destruction, or loss in value of the Property, the Miscellaneous Pmoeeds
shall be applied to the suns secured by this Security Instrument, whether or not then due, with the excess, if
any, paid to Borrower.
In the event of a partial taking, destruction, 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
amount of the sums secured by this Security Instrument immediately before the partial taking, destmcWn, or
loss in value, unless Borrower and Lender otherwise agree in writing, the sums secured by this Security
Instrument shall be reduced by the amount of the Miscellaneous Proceeds multiplied by Un; following fraction:
(a) the total annoum of the suns secured innnrediately before the panW taking, destruction, or loss in value
divided by (b) 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 #akin& destruction, 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 less tban the amount of the
sums secured immediately before the partial taking, destruction, or loss in value, unless Borrower and Lender
otherwise agree in writing, the Miscellaneous Proceeds shall be applied to the suns secured by this Security
Instrument whether or not the sums are then due.
If Ute Property 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, Borrower (,ails 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 tlne surss 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 wham Borrower has a right of action in regard to Miscellaneous
Proceeds.
Borrower shall be in default if any action or proceeding, whether civil or criminal, is begun that, in
Lenders judgment, could result in forfeiture of the Property or other material impairmew of Lender's interest
in the Property or rights under this Security InstnunenL Borrower can cure such a default and, if acceleration
has occurred, reinstate as provided in Section 19, by causing the action or proceeding to be dismissed with a
nding that, in Lender's judgment, precludes forfeiture of the Property or other material impairment of Lender's
interest in the Property or rights under this Security Instrument. The proceeds of any award or claim for
damages that are attributable to the impairment of Lender's interest in the Property are hereby assigned and
shall be paid to Leader.
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 suns secured by this Security Irstmmnew granted by Lender to Borrower
or any Successor in Interest of Borrower 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 othenvise modify amortization of the sums
secured by this Security Instrument by reason of any demand made by die original Borrower or airy Successors
in Interest of Borrower. Any forbearance 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-signers; Successors and Assigns Bound. Borrower covenants and
agrees that Borrower's obligations and liability shall be joint and several. However, 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-signers interest in the Property under the terns of this
Security Instrument; (b) is not personally obligated to pay the suns secured by this 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 terms of this Security Instrument or the Note without the co -signet's consent.
vIRGINIA-Single Family -Fannie MactFreddle Mac UNIFORM INSTRUMENT Form 3047 1i01 (page 9 of 13 pages)
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BK2054PGO7 12
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, slall obtain all of Borrowers
rights and benefits under this Security Instrument. Borrower shall not be released from Borrowees obligations
and liability under this Security Instrument unless Lender agrees to such release in u riling. The covenants and
agreements of this Security Instrument shall bind (except as provided in Section 20) and benefit the successors
and assigns of Lender.
14. Loan Charges. Lender nay charge Borrower fees for services performed in connection with
Borrowers default, for the purpose of protecting Lender's interest in the Property and rights under this Security
Instrument, including, but not limited to, attorneys' fees, property inspection and valuation fees. In regard to
any other fees, the absence of express authority in this Security Instrument to charge a specific fee to Borrower
shall not be construed as a prohibition on the charging of such fee. Lender may rat charge fees that are
expressly prohibited by this Security Instrument or by Applicable Law.
If the Loan is subject to a lain which sets maximmn loan charges, and That haw is finally interpreted so that
the interest or other loan charges collected or to be collected in connection with the Loan exceed the pemuned
limits, den: (a) any such loan charge shall be reduced by the amount necessary to reduce the charge to the
pcmtitted iL•nit-, and (b) any smits already collected from Borrower which exceeded permitted limits will be
refunded to Bowwer. Lender may choose to make this refund by reducing the principal owed under the Note
or by making a direci payment to Borrower. If a refund reduces principal, the reduction will be treated as a
partial prepayment without prepayment charge (whether or not a prepayment charge isprovided for under
the Note). Borrowwees 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 16 Borrower in connection with this Security I su-u ent shall be deemed to have been
given to Borrower when mailed by first class mail or when actually delivered to Bonowees notice address if
sent by other means. Notice to any one 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
Borrowers change of address. If lender specifies a procedure for repotting Borrower's change of address,
then Borrower shall only report a change of address through that specified procedure. There may be only one
designated notice address under this Security Instrument at any one time. Any notice to Lender shall be given
by delivering it or by mailing it by first class mail to Leader's address stated herein unless lender has
designated another address by notice to Borrower. Any notice in connection with this Security Instrument shall
not be deemed to have been given to Lender until actually received by Lender. If any notice required by this
Security Instrument is also required under Applicable law, the Applicable law requirement will satisfy the
corresponding requirement under this Security Instrument.
16. Governing Law; Severability; Rules of Construction. This Security Instrument shall be, governed by
federal late and the law of the jurisdiction in which the Property is located. All rights and obligations contained
in Us 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 silent, but such silence shall
not be construed as a prohibition against agreement by contract. in the event that any provision or clause of
this Security Instrument or die 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 Instrument: (a) words of the masculine gender shall Crean and include
corresponding neuter words or words of the ferninine 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 lake any
action.
17. Borrower's Copy. Borrower shall be given one copy of the Note and of this Security Instrument.
18. Transfer of the Property or a Beneficial Interest in Borrower. As used in this Section 18, "Interest
in die Property" means any legal or beneficial interest in the Property, including, but not limited to, dose
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 tide by Borrower at a future date to a purchaser.
VIRGINIA-SLggte Family-Funuoe NlaelFreddie Mac UNIFORM rNSTRUDIENT Norm 3047 1/01 (page 10 of 13 pages)
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OK2054PG0713
if all or any pan of the Property or any Interest in the Property is sold or transferred (or if Borrower is not
a natural person and a beneficial interest in Borrower is sold or transferred) without Lenders prior written
consent, Lender may require immediate paynmew in full of all suns secured by this Security Instrument.
However, this option shall not be exercised by Lender if such exercise is prohibited by Applicable Law.
If Lender exercises this option. Lender shall give Borrower 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 Section 15 within
which Borrower must pay all sums secured by this Security Instrument. If Borrower fails to pay these sums
prior to the expiration of this period. Lender may invoke any remedies pemmired by this Security lostnwmment
without further notice or demand on Borrower.
19. Borrower's Right to Reinstate After Acceleration. If Borrower meets certain conditions, Borrower
shall have the right to have enforcement of this Security Instrument discontinued at any tine prior to the earliest
of. (a) five days before sale of the Property pursuant to ally power of sale contained in this Security Instrument;
(b) such other period as Applicable Law might specify for the termination of Borrowers right to reinstate; or
(c) entry of a judgment enforcing this Security Instrument. Those conditions are that Borrower. (a) pays
Lender all sums which then would be due under this Security Instrument and the Note as if no acceleration had
occurred; (b) cures any default of any other covenants or agreements; (c) pays all expenses incurred in
enforcing this Security Instrument, including, but not limited to, reasonable attorneys' fees, property inspection
and valuation fees, and other fees incurred for the purpose of protecting Lenders interest in the Property and
rights under this Security Instrument; and (d) takes such action as Lender may reasonably require to assure that
Lenders interest in the Property and rights under this Socuritv Instrument, and Borrowers obligation to pay
the sums secured by this Security Instrument, shall continue unchanged. Lender may require that Borrower pay
such reinstatement sus and expenses in one or more of the following forms, as selected by Lender. (a) cash;
(b) money order, (c) certified check, bank check, treasurers check or cashiers check, provided any such check
is drawn upon an institution whose deposits are insured by a federal agency, istnunentality or entity; or (d)
Electronic Funds Transfer. Upon reinstatement by Borrower, this Security InstFu m a� obligations secured
her shall remain fully effective as if no acceleration had occurred. However, this right to reinstate shall not
apply in the case of acceleration 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 Instrument) can be sold one or more times without prior notice to Borrower.
A We might result in a change in the entity (known as the "Loan Servicer") that collects Periodic Payments
due under the Note and this Security Instrument and performs other mortgage loan servicing obligations under
the Note, this Security Instrument, and Applicable 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
written notice of the change which will state the name and address of the new Loan Servicer, the address to
which payments should be trade and any other information RESPA requires in connection with a notice of
transfer of servicing. If the Note is sold and themeafter 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 assuned by the Note purchaser unless otherwise
provided by the Note purchaser.
Neither Borrower nor Lender may commence, join, or be jointed to 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
Instrument or that alleges that the other party has breached 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 tlx: other party hereto a
reasonable period after the giving of such noticeto take corrective action. If Applicable Law provides a time
period which must elapse before certain action can betaken, that time period will be deemed to be reasonable
for purposes of this paragraph. The notice of acceleration and opponurdty to cure given to Borrower pursuant
to Section 22 and the notice of acceleration given to Borrower pursuant to Section 18 shall be deemed to satisfy
the notice and opportunity to take corrective action provisions of this Section 20.
VIRGINIA-Single Family -Fantle Mae/Freddie Mac UNIFORM INSTRUMENT Form 3047 1/01 (page 11 of 13 pages)
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BK2054Pc07 14
21. Hazardous Substances. As used in this Section 21: (a) "Hazardous Substancee are those substances
defined as toxic or hazardous substances, pollutants, or wastes by En%iromuenlal Law and the following
substances: gasoline, kerosene, other flanuriable or toxic petroleum products, toxic pesticides and herbicides,
volatile solvents, materials containing asbestos or formaldehyde, 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) "Environmental Cleanup", includes any response action, remedial action, or
removal action, as defined in Environmental Law; and (d) an "Environmental Condition" means a condition
that can cause, contribute to, or otherwise trigger an Environmental Cleanup.
Borrower shall not cause or permit 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 property (a) that is in violation of any Environmental Law, (b)
which creates an Environmental Condition, or (c),which, due to the presence. use, or release of a Hazardous
Substance, creates a condition that adversely affects the 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 normal residential uses and to maintenance of tiro Property
(including, but not limited to, hazardous substances in consumer products).
Borrower shall promptly give Lender written notice of (a) any investigation, claim, demand, lawsuit or
other action by any governmental or regulatory agency or private patty involving the Property and any
Hazardous Substance or Environmental Law of which Borrower has actual knowledge, (b) any Environmental
Condition, including but not limited to, any spilling, leaking, discharge, release or ducat of release of any
Hazardous Substance, and (c) any condition caused by the presence, use or release of a Hazardous Substance
which adversely affects the value of the Property. If Borrower teams, or is notified by any governmental or
regulatory authority, or any private party, that any removal or other remediation of any Hazardous Substance
affecting the Property is necessary, 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 action 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 nont:istence of a default or any other defense of
Borrower to acceleration and sale, If the default is not cured on or before 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. Leader 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 or Trustee shall give to Borrower, the owner of the
Property, and all other persons, notice of sale as required by Applicable Law. Trustee shall give public
notice of sale by advertising, in accordance with Applicable Law, once a week for two successive weeks in
a newspaper having general circulation in the county or city in which any part of the Property is located,
and by such additional or any different form of advertisement the Trustee deems advisable. Trustee may
sell the Property on the eighth day after the first advertisement or any day thereafter, but not later than
30 days following the last advertisement. Trustee, without demand on Borrower, shall sell the Property at
public auction to the highest bidder at the time and place and under the terms designated
sale in one or more parcels and in any order Trustee determines. Trustee may postpone sale of all or any
parcel of the Property by advertising in accordance with Applicable Law. Lender or its designee may
purchase the Property at any sale.
VIRGINIA-Single Family -Fannie Mae/Freddle Alac UNIFORM INSTRUMENT Form 3047 1/01 (page 12 of 13 pages)
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BK2054Pc0715
Trustee shall deliver to the purchaser Trustee's deed conveying the Property with special warranty of
title. The recitals in the Trustee's deed shall be prima facie evidence of the truth of the statements made
therein. Trustee shall apply the proceeds of the sale in the following order. (a) to discharge the expenses of
executing the trust, including a reasonable commission to Trustee; (b) to discharge all taxes, levies, and
assessment, with costs and interest if these costs have priority over the lien of this Security instrument,
including the due pro rsta thereof for the current year, (c) to discharge in the order of their priority, if
any, the remaining debts and obligations secured by this Security Instrument, and any liens of record
inferior to this Security Instrument under which sale is made, with lawful interest; and, (d) the residue of
the proceeds shall be paid to Borrower or Borrower's assigns. Trustee shall not be required to take
possession of the Property prior to the we thereof or to deliver possession of the Property to the
purchaser at the sale.
23. Release. Upon payment of all sums secured by this Security Instrument. Lender shall request Trustee
to release this Security Instrument and shall surrender all notes evidencing debt Secured by this Security
Instrument to Trustee. Trustee shall release this Security Instrument. Borrower shall pay any recorda0n costs.
Lender may charge Borrower a fee for releasing this Security Irstrurn:.nt, but only if the fee is paid to a thud
party for services tendered and the charging of the fee is pennitted under Applicable Law.
24. Substitute Trustee. Lender, at its option, may from tine to time remove Trustee and appoint a
successor trustee to arty Trustee appointed hereunder. Without conveyance of the Preperty, the successor
trustee shall succeed to all the title, power and duties conferred upon Trustee herein and by Applicable Law.
NOTICE: THE DEBT SECURED HEREBY IS SUBJECT TO CALL IN FULL OR THE
TERRIS THEREOF BEING MODIFIED IN THE EVENT OF SALE OR CONVEYANCE OF
THE PROPERTY CONVEYED.
BY SIGNING BELOW. Borrower accepts and agrees to the teens and covenants contained ir, this Security
Instrument and in any Rider executed by Borrower and recorded with it.
Witnesses:
•Darn»a •Bmo"a
State of Virginia
Cenntrybf— City of Charlottesville
The foregoing instrument was acknowledged before me this JULY 12, 2001 by GARY BRYANT
HONEYWELL and NANCY LOU HONEYWELL
My Conunission Expires: 2/28/02
/Z/" -
Ngfiry Public
VIRGINIA•Single Fain lyFannJe S12e/Freddie Mar UNIFORM INSTRUMENT
Faun 3047 1/01 (page 13 of 13 pages)
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LEGAL DESCRIPTION
sK 2 0 �jkfGAU 6ertain lot or parcel of land, with the improvements
thereon and the appurtenances thereto belonging, situated in
Albemarle County, Virginia, more particularly described as "Residue
of TM 89 (A)-76, containing 8.183 acres, more or less, on a plat
made by Bryan J. Chambers, Land Surveyor, dated September 23, 2000,
attached hereto and recorded herewith
5
IGOIII
The P.&d v Oon of the Lod described hervia Is
wills the free oomrat sad in a000rdow wiidr
the deskm e( the uoderxWwd awnwv, proprietor:
sod tnrteea. MY iamvnm b fuW* pofta drJ
deutbpmeat is to be deemed r dworedod oniy.
Afi emrteawntr afiTwd to this pLt "a true and
eerreat b'0wbest_of my lmowledde
CW.3 ! i%}Ynt1 Aria
To mar. -the Mw.-.g �rradrwd/oa�Yd
birE•rFjm dvff! c(-
Mpoa.,r r;Mfas/reap�dr:a/2�4/Zec.c
1Va+G. Arte_T—
a
F�
&rAwwt Of I*
Vw Awdaionrt sees ab&63ady Gvr B and
Nmw4 ldaneynaaL DBW-W sad to the
bat a(mv kaowim* memo &I tie mgawarerw
redwofA mk3r sabair vjm
W C►.�, 14 / 7 too
&7m J, a6mbwe Dirty
&IwIf
D* 4L Alsnt Abemw* OXIM4 ids DAV
M::n,in�rr.,istWa fisted/daoorbedharainaremrinredpmsyemtiba6s.lbnmvie
County 7o ring thrdir.:aw in et]Ba d* dtlt wdare not rare*ore ooraoolr rrmo3Eod
with the Lbr1 .-- heir rppewwoe on thk pint is mt leemor 1 b Ingsars thew as swab.
d SowvvafAr lBdtWW
2.17'tiapwdknattor&odptdepw bcdhwsw eRabldpCamwm*Ad*S1A016lWAvA&wr6C=xj
3. lUpwdkxwdRl.
4. Lott 1, 2, sad d ra w kw aaw *+e6pmtatr*awA Lot.?jw udwakpw ,oft ? pgmfj a jWkfm,&r
dindadsifharfAwE da Mb9iv*FMd
S. hw ami al mostdoorba r a" Od asitaot+d
6.lbearrelaaa bta7digE iet6stEr aadlnd6tiart�iengriieasEr re180'rtd6ustgir-ti�ribac7oti+?S'farit6startrest
fart6elntarmtprrrrktoe� 2S'tti#� k35'ner. SO'rt+td6ost�dfresEabasethtr+lSP'Latornf76atieE�w3�rr�dra�
7.7&trpdaeied�airkJV fra�s�aYciA�
8 iht Jt L'rmr aio�a lrxet�e a9aAbe atasr�iedk axn+iswas tde sp adimoe dALravk Lbt
9. Tk3rxrAat�►L}rdcaerakd®aaa�fsiro�hi&+�+O�rs1�7Bsdtt�Nrt�iE�rdlifALu�firC�olj►P.ilee
lfietpsaadratdnatb: traaFaredbrpaxeair6�rrsl�efi�sEierdio6rs.baiJ►brrpmiadd•tty
(2)larafiom tue&* efrroar6dw ddrpitmaptmadanbdbp8aet 14�211(AJdlbeAl�fe L�ryGbk
11dw prmrkrffl aadreledbad b tbe�rroea� a� t3iptrxmj thelsdr/hrt�nosbbtl�tbdepiraetiat
10. Tlraebtra►d thanafditrreeao8hneraeiamdJC�AVDaFt! dlaadte?.fsk�ve
11les61+e01lmd6ria�ri+a��ot�+attbt�drribstaq�ca�+�staseuisjs�rtra(ralkaod
uidaotbeb, tbac'i�iirLlprteadd35a�oaRtert.ariL�g►dAktsia
12 moo stsaa hTAn rgdjj sstr�4,Sjg iar
IMHofdvAhwwblJaelyC L
13. O* aw daft m*-* aibad prpvcd
lI. n*p we iraabisatto, 129'aide PMWpow Aw mmomtarteo disLB~1(8tPj. iW
IS.A*pvp&VkaaBJisdiba2WPik VaTdkTdawmadarrecrsddjrNO =
V Bryan J. Cham" y
Plat Showing NO. 0403DM 141
Family Subdivfslon t?f q
Tax Map 89 Pamel 76
Samuel Miller Dist,, Albemarle Co., Va.
Ot
Pzwve oor Of i4140
CB&z7- B. & Nancy Le, Honeywell
Scale. 1 " = 200'; Date: 9123100, Rev: 1217100
Bryn Cbstmbwv & Amo. - Land &nvy4 Bbaat 1012
Looted in Court 81"m Pdmyrx (d ) 589-S139 2w, w 0 2w
MA&V Add vw. Rt 1 Bar UV, pm* Ukkc� Vie. 2iffS
a
tTHrth is taken
from plat reed
in OB 1662-700
TM 89-76
Lets 1 Th. 4
And Residue
Sweet Hollow Ln_
Dudley Mtn, Rd.- .4
Vicinity Map
Scale:
1" x 1 Mi.
8-K2054PG0716
� r
O' •.CO ip0
Bent Iron Fnd.
0.18' N29.32'E K
Of Comer
M
Iron A
Lot 3 Set
50,00,
Lot. 2
/' tree - •e53. ?S•Ra i � : � i
AVL
-
T
Of
r-N02026' 1 1 "g
73.37' o
'e, �� �t� �'�F I'oreat W Bra In n,
Vet,?�ecr• 'r' irtl' �o t➢ D$ 879-2;G+tcis S. t^arw,
�•
T 8M1. 7IM 133_.i99
' ' b
LU
g c��°��O�a�a62
50' �9 46"�� �r tdj Fl
b9
y i; d .' d
'9'W
Captioned
er�
RefereoeeTo Gaytioed Property �'�ly�� NO. BEARING
Ga.y B. 8e Nancy L. l onrywell AA N34.35'22"E
AS N34035'22"E
DB 822-686
�6V'
Plat DB 698-460 Th. 462
NO. DELTA
Plat DB 479-354
Plat DB 149-364
Owner/ Dareloyers Add;:
1 17009'47"
TM 89-76
1932 Sweat (Hollow Lana
2 43043'07"
Charlottesville Va. 22903
Plat Showing
3 18025'52"
Subdi'vi'sloa Of
_ NO. TANGENT
Tax Map 89 Parcel 76
1 $2.32'
Samuel Mailer Dist., Albemarle Go., Va.
2 90.08,
3
26.08
1P'ro'Pex-e7 CY
"8:y 1B. a&- 1v-anc'r i e.
tl�noy ll
Scale: I" — 200;• Bate: 9/23/00, Rev. 12117100 The subdivision of this proporty was
Bryan Chambers & Assrm. - Land Burrcying
based on a currant field survey with
l otxted In Court 3gwrr Palmyra (8A!).5893139
Iinse established Ls.w. physical ev-
wenca, dead descriptions, and rea-
MailiogAddress: Rt i Eor 68, Fork Union, Va. 23055 orded plats.
Red.
•i.at .� S"si
Cut -De -Sao Detail
Scale: 1" ■ 1W
Jonathan C,
Rr Roth Ell"n
Otit law
DR 1426-45
Plat DB 1426
PR • 49 tar 50
1-M N'4-75
DISTANCE
29.51'
70.49'
RADIUS ARC
545.50' 163.41'
224.54' 171.33'
160.72' 51.70'
C.BEARING CHORO
S59058'53"W 162.80'
N36001'04"E 187.21'
N25022026"E 51.48'
1-
Micel 2 Of
2W IDO' 0
,'
OK2054PGOI19
State Tax
039 �_5 ] f
VIRGINIA: In the Clerk's Office of the
County Tax
213 51JL9.CLT
Circuit Court of Albemarle County, VA
Transfer Fee 212 $
u 120�_thls
Clerk's Fee
301 b ;9.Sn
Aing1vas admits to record at
St. Library
145 5 1.50
►o:a a o'clock.M. and the
Tech Fund
106 5 3.(K1
Tax imposed by Section 58.1-802 of the
State Tax
038 $
Code of Virginia has been paid
Local Tax
220 $
IAf
q •OV
TF-. SHELBY J. MARSHALL, CLERK
TOTAL
$ 29(/.A0
B :
Dep. Clerk