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Title Security Agency is officially becoming First American Title. Despite the name change, you can expect the same excellent service and familiar faces at your closings.
Our partnership with First American Title brings you the best of both worlds: LOCAL EXPERTISE AND FORTUNE 500 RESOURCES.
Same great team
Same local knowledge
Same convenient locations
Same great service
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Multicultural materials
Economic team, market data, and trends
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Our industry is navigating a challenging market. Our alignment with a seasoned industry leader, with over 130 years of experience, provides valuable resources and expert guidance as we adapt.
Thank you for your continued trust in us!
We truly appreciate your business and look forward to seeing you at the closing table soon.
THE BEST OF BOTH WORLDS
Email-based, real estate fraud schemes are on the rise. One common scenario is altering wiring instructions with the intention of rerouting funds.
Keeping this in mind, First American Title is changing the way we receive payment information. It is imperative that we are familiar with the people in our transactions.
RELYING ON EMAIL ALONE IS NO LONGER AN OPTION.
Fraudsters often use email to send falsified wire instructions to unsuspecting victims. Please warn your buyers and sellers to only follow wire instructions they receive personally from First American Title.
Additionally, we will not accept disbursement instructions for seller or buyer funds via email OR from any third party (attorney, real estate agent, etc).
If your buyer or seller receives alternative wiring instructions that appear to be from First American Title, make sure they contact their escrow officer at a trusted phone number for confirmation.
Know that our wiring instructions do not change so any communication is suspect. Our banking institution is First American Trust.
IN SHORT – wire instructions will not be accepted by email. New wire instructions must be hand-carried or uploaded to the First American Secure Portal.
Thank you for joining First American Title in fostering a secure real estate transaction process. Have questions or concerns? Please contact our office or your escrow officer.
For more information please contact your
IMPORTANT -- PLEASE READ CAREFULLY:
This report is not an insured product or service or a representation of the condition of title to real property. It is not an abstract, legal opinion, opinion of title, title insurance commitment or preliminary report, or any form of Title Insurance or Guaranty. This report is issued exclusively for the benefit of the Applicant therefor and may not be used or relied upon by any other person. This report may not be reproduced in any manner without First Americans prior written consent. First American does not represent or warrant that the information herein is complete or free from error, and the information herein is provided without any warranties of any kind, as-is, and with all faults. As a material part of the consideration given in exchange for the issuance of this report, recipient agrees that First Americans sole liability for any loss or damage caused by an error or omission due to inaccurate information or negligence in preparing this report shall be limited to the fee charged for the report. Recipient accepts this report with this limitation and agrees that First American would not have issued this report but for the limitation of liability described above. First American makes no representation or warranty as to the legality or propriety of recipient's use of the information herein.
This REiSource report is provided "as is" without warranty of any kind, either express or implied, including without limitations any warrantees of merchantability or fitness for a particular purpose. There is no representation of warranty that this information is complete or free from error, and the provider does not assume, and expressly disclaims, any liability to any person or entity for loss or damage caused by errors or omissions in this REiSource report without a title insurance policy.
The information contained in the REiSource report is delivered from your Title Company, who reminds you that you have the right as a consumer to compare fees and serviced levels for Title, Escrow, and all other services associated with property ownership, and to select providers accordingly. Your home is the largest investment you will make in your lifetime and you should demand the very best.
Subject Property : 1332 N Dusty Hollow Ct Tucson AZ 85745
Owner Information
Owner Name : Keys Fred & Rose Living Trust
Mailing Address : 1332 N Dusty Hollow Ct, Tucson AZ 85745-8738 R064
Vesting Codes : / / Revocable Trust
Owner Occupied Indicator : O
Location Information
Legal Description : Ptn W129.73' E389.23' Sly 200' Nw4 Sw4 Se4 1.00 Ac Sec 6-14-13
County : Pima, Az APN : 116-07-133D
Census Tract / Block : 44.33 / 2
Township-Range- Sect : 14S-13E-6
Market Area : 21
Owner Transfer Information
Recording/Sale Date : 01/10/2024 / 12/11/2023
Document # : 100301
Last Market Sale Information
Map Reference : 06-14S-13E
School District : Tucson Unified
Munic/Township : Tucson Unified
Deed Type : Quit Claim Deed
Recording/Sale Date : 03/15/2022 / 02/10/2022 1st Mtg Amount/Type : $662,547 / Va
Sale Price : $726,000
Document # : 740674
Deed Type : Warranty Deed
Title Company : Signature Title Agency Corp
Seller Name : Heirshberg Trust
Prior Sale Information
Prior Rec/Sale Date : 08/27/2001
Prior Doc Number : 11621-2449
1st Mtg Document # : 740675
1st Mtg Term : 30
Price Per SqFt : $256.08
Prior Deed Type : Deed (reg)
Customer Name : Jeremiah Stiffler
Customer Company Name : First American
Property Characteristics
Gross Area : 2,835
Living Area : 2,835
Total Rooms : 8
Year Built / Eff : 1995
# of Stories : 1
Parking Type : Garage
Property Information
Land Use : Sfr
Garage Capacity : 3
Roof Material : Built-up
Pool : Pool
Air Cond : Refrigeration
Heat Type : Forced Air Quality : Fair
Cooling Type : Forced Air Condition : Excellent
Exterior wall : Frame Wood Bath Fixtures : 7
Patio Type : Covered Patio Pool Size : 450
Zoning : CR-1
County Use : Single Fam Resurban Non Subd Lot Acres : 1.00
Tax Information
Total Value : $449,733
Total Taxable Value : $39,190
Assessed Year : 2023
Tax Year : 2023
Lot Size : 43,560
State Use : Single Fam Resurban Non Subd
Property Tax : $5,401.59 Current Year Total Value : $53,464
Tax Rate Area : 0108 Current Year Improvement Value : $53,414
Market Value : $449,733
Current Assessed Year : 2024
Current Year Land Value : $50
Subject Property: 1332 N Dusty Hollow Ct Tucson Az 85745
Owner Name: Keys Fred & Rose Living Trust / APN / Alternate APN: 116-07-133D / Deed Type: Warranty Deed
Subdivision / Tract: / Lot Size: 43,560
Rec. Date / Price: 03/15/2022 / $726,000 Living Area: 2,835
Document #: 740674
Total Tax Value: $449,733
#1 925 N Smoketree Cir Tucson Az 85745
Bedrooms:
Bath(F/H): /
Owner Name: Buckingham Julia B /Gombosev Marinela
APN / Alternate APN: 116-08-0170 / Deed Type: Warranty Deed
Subdivision / Tract: Smoketree Estates / Lot Size: 42,249
Rec. Date / Price: 11/15/2023 / $482,839 Living Area: 3,143
Document #: 3190482
Total Tax Value: $473,501
#2 861 N Circulo Zagala Tucson Az 85745
Bedrooms:
Bath(F/H): /
Owner Name: Salcido Rudy G /Salcido Sabrina M
APN / Alternate APN: 116-08-0710 / Deed Type: Warranty Deed
Subdivision / Tract: Colonial Trls / Lot Size: 24,113
Rec. Date / Price: 02/15/2024 / $715,000 Living Area: 3,240
Document #: 460528
Total Tax Value: $617,302
#3 879 N Circulo Zagala Tucson Az 85745
Land Use: Sfr
Year Built / Eff: 1995 /
# of units:
Pool: Pool
Land Use: Sfr
Year Built / Eff: 1979 /
# of units:
Pool: Pool
Land Use: Sfr
Year Built / Eff: 2003 /
# of units:
Bedrooms: Pool: Pool
Bath(F/H): /
Owner Name: Della-giustina Daniella / APN / Alternate APN: 116-08-0740 / Deed Type: Warranty Deed
Subdivision / Tract: Colonial Trls / Lot Size: 16,735
Rec. Date / Price: 07/12/2023 / $685,000 Living Area: 2,941
Document #: 1930425
Total Tax Value: $545,943
#4 2120 N El Moraga Dr Tucson Az 85745
Owner Name: Smith Courtney K /
Use: Sfr
Built / Eff: 2003 /
of units:
Bedrooms: Pool:
Bath(F/H): /
APN / Alternate APN: 116-04-1550 / Deed Type: Warranty Deed Land Use: Sfr
Subdivision / Tract: / Lot Size: 49,658
Rec. Date / Price: 08/31/2023 / $600,000 Living Area: 2,713
Document #: 2430128
Total Tax Value: $394,983
Built / Eff: 1996 /
of units:
Bedrooms: Pool:
Bath(F/H): /
#5 3815 W Anklam Rd Tucson Az 85745
Owner Name: Fritz Ronwyn A /Nagy Edward D
APN / Alternate APN: 116-08-008A / Deed Type: Warranty Deed
Subdivision / Tract: / Lot Size: 217,800
Rec. Date / Price: 08/18/2023 / $500,000 Living Area: 2,465
Document #: 2300076
Total Tax Value: $439,229
#6 2015 N Via De Suenos Tucson Az 85745
Bedrooms:
Bath(F/H): /
Owner Name: Goodwin Denise M /Goodwin Justin L
APN / Alternate APN: 116-07-104A / Deed Type: Warranty Deed
Subdivision / Tract: Vista De La Sierra De
Dios / Lot Size: 88,424
Rec. Date / Price: 11/27/2023 / $650,000 Living Area: 2,808
Document #: 3310447
Total Tax Value: $521,942
#7 1662 N Painted Hills Rd Tucson Az 85745
Owner Name: Zona Invs Llc /
Bedrooms:
Bath(F/H): /
APN / Alternate APN: 116-06-0140 / Deed Type: Warranty Deed
Subdivision / Tract: Westridge Estates / Lot Size: 18,700
Use: Sfr
Built / Eff: 1957 /
of units:
Use: Sfr
Pool
Use: Sfr
Built / Eff: 1964 /
Rec. Date / Price: 12/08/2023 / $315,000 Living Area: 2,842 # of units:
Document #: 3420460
Total Tax Value: $306,888
#8 5030 W Trails End Rd Tucson Az 85745
Bedrooms:
Bath(F/H): /
Owner Name: Lemieux 4 Houses Llc / APN / Alternate APN: 212-03-0630 / Deed Type: Warranty Deed
Subdivision / Tract: Casas Colina Cabo
/ Lot Size: 57,465
Rec. Date / Price: 01/02/2024 / $525,000 Living Area: 2,838
Document #: 20017
Total Tax Value: $480,619
Bath(F/H): /
#9 3065 W Calle Gardenias Tucson Az 85745
Owner Name: Ziegler Jon Ii /
APN / Alternate APN: 116-06-111J / Deed Type: Warranty Deed
Subdivision / Tract: Miraflores Estates / Lot Size: 29,705
Rec. Date / Price: 12/22/2023 / $615,000 Living Area: 3,186
Document #: 3560311
Total Tax Value: $389,411
Bath(F/H): /
Pool
#10 3035 W Calle Gardenias Tucson Az 85745
Owner Name: Peterson Shelly L /Housh Tedrick Iii
APN / Alternate APN: 116-06-1090 / Deed Type: Warranty Deed
Subdivision / Tract: Miraflores Estates / Lot Size: 31,120
Rec. Date / Price: 12/13/2023 / $675,000 Living Area: 2,471
Document #: 3470102
Total Tax Value: $366,883
Bedrooms:
Bath(F/H): /
#11 1015 N Camino Miraflores Tucson Az 85745
Owner Name: Clear Marianne /Dixon James
APN / Alternate APN: 116-09-3300 / Deed Type: Warranty Deed
Subdivision / Tract: Montage Vista / Lot Size: 10,863
Rec. Date / Price: 06/05/2023 / $795,000 Living Area: 3,055
Document #: 1560424
Total Tax Value: $446,882
Bedrooms:
Bath(F/H): /
#12 1010 N Camino Miraflores Tucson Az 85745
Owner Name: Hall Jeffrey C /Hall Schenley H
APN / Alternate APN: 116-09-3270 / Deed Type: Warranty Deed
Subdivision / Tract: Montage Vista / Lot Size: 15,991
Rec. Date / Price: 02/16/2024 / $795,000 Living Area: 2,967
Document #: 470151
Total Tax Value: $450,685
#13 4750 W Crestview Dr Tucson Az 85745
Bedrooms:
Bath(F/H): /
Owner Name: Posgai Robert /Posgai Amanda
APN / Alternate APN: 214-56-0960 / Deed Type: Warranty Deed
Subdivision / Tract: Sundance Estates / Lot Size: 81,660
Rec. Date / Price: 12/15/2023 / $1,010,000 Living Area: 2,652
Document #: 3490429
Total Tax Value: $538,979
Bedrooms:
Bath(F/H): /
#14 1716 N Placita De Laroca Tucson Az 85745
Owner Name: Blakeslee John P /Blakeslee Pamela L
APN / Alternate APN: 212-03-0930 / Deed Type: Warranty Deed
Subdivision / Tract: Casas Colina Cabo 02 / Lot Size: 49,250
Rec. Date / Price: 08/10/2023 / $705,000 Living Area: 2,747
Document #: 2220114
Total Tax Value: $471,329
Bedrooms:
Land Use: Sfr
Year Built / Eff: 1958 /
# of units:
Pool:
Land Use: Sfr
Year Built / Eff: 2001 /
# of units:
Pool: Pool
Land Use: Sfr
Year Built / Eff: 2001 /
# of units:
Pool: Pool
Land Use: Sfr
Year Built / Eff: 1994 /
# of units:
Pool: Pool
Land Use: Sfr
Year Built / Eff: 1982 /
# of units:
Pool: Pool
Bath(F/H): / Customer
#15 2980 W Camino Perritos Tucson Az 85745
Owner Name: Farr Arnold W & Marie /Blake Nicholas F
APN / Alternate APN: 116-06-2530 / Deed Type: Warranty Deed
Subdivision / Tract: Miraflores Estates #2 / Lot Size: 22,056
Use: Sfr
Built / Eff: 1993 /
Rec. Date / Price: 10/23/2023 / $539,000 Living Area: 2,650 # of units:
Document #: 2960455
Total Tax Value: $314,993
Bedrooms:
Bath(F/H): /
#16 3000 W Camino Claveles Tucson Az 85745
Owner Name: Xbalanque Llc /
APN / Alternate APN: 116-06-2770 / Deed Type: Warranty Deed
Subdivision / Tract: Miraflores Foothills
Estates / Lot Size: 16,095
Use: Sfr
Built / Eff: 1985 /
Rec. Date / Price: 05/15/2023 / $300,000 Living Area: 2,590 # of units:
Document #: 1350442
Total Tax Value: $348,093
Bedrooms: Pool:
Bath(F/H): /
#17 2990 W Camino Claveles Tucson Az 85745
Owner Name: Binns Andrea /Binns Stephen
APN / Alternate APN: 116-06-2780 / Deed Type: Warranty Deed Land Use: Sfr
Subdivision / Tract: Miraflores Foothills
Estates / Lot Size: 16,017
Built / Eff: 1984 /
Rec. Date / Price: 04/11/2024 / $812,450 Living Area: 2,734 # of units:
Document #: 1020207
Total Tax Value: $399,661
Bedrooms: Pool: Pool
Bath(F/H): /
Distance 0.02 Miles
Owner Name : Vindiola Eric
Sale Date : 05/00/2001
Total Value : $496,060
Bed / Bath : / 4
Land Use : Sfr
Stories : 1
Yr Blt / Eff Yr Blt : 2002 / 1335 N DUSTY HOLLOW
Owner Name : Sredl Michael J
Sale Date : 08/27/2011
Total Value : $394,246
Bed / Bath : / 3
Land Use : Sfr
Stories : 1
Yr Blt / Eff Yr Blt : 1997 /
Owner Name : Sferra Susan
Sale Date : 02/23/2022
Recording Date : 06/06/2001
Sale Price : $125,000
Property Tax : $6,418.40
Lot Acres : 1.00
Living Area : 2,972
APN : 116-07-1310
Distance 0.03 Miles
Recording Date : 08/30/2011
Sale Price : $229,000
Property Tax : $3,780.41
Lot Acres : 0.89
Living Area : 2,036
APN : 116-07-133G
Distance 0.03 Miles
Recording Date : 02/25/2022
Sale Price : $150,000
Total Value : $72,000 Lot Acres : 1.00
Land Use : Residential Lot
1311 N DUSTY HOLLOW CT
Owner Name : Snook Richard Kelly
Sale Date : 09/28/2012
Total Value : $362,758
APN : 116-07-132B
Distance 0.05 Miles
Recording Date : 10/10/2012
Sale Price : $250,000
Property Tax : $4,468.85
Bed / Bath : / 4 Lot Acres : 1.07
Land Use : Sfr
Stories : 1.5
Yr Blt / Eff Yr Blt : 1994 /
Living Area : 2,459
APN : 116-07-133C
Customer Name : Jeremiah Stiffler
Customer Company Name : First American
1340
Owner Name : Sferra Susan
Sale Date : 02/23/2022
Total Value : $72,000
Land Use : Residential Lot
1258 N DUSTY HOLLOW CT
Owner Name : Gonzales Daniel
Sale Date : 10/00/1992
Total Value : $427,582
Bed / Bath : / 4
Land Use : Sfr
Stories : 1
Yr Blt / Eff Yr Blt : 1997 /
1321 N DUSTY HOLLOW CT
Owner Name : Macri Domenico
Sale Date : 01/13/2009
Total Value : $392,237
Bed / Bath : / 3
Land Use : Sfr
Stories : 1.5
Yr Blt / Eff Yr Blt : 2004 /
1347 N DUSTY HOLLOW CT
Distance 0.06 Miles
Recording Date : 02/25/2022
Sale Price : $150,000
Lot Acres : 1.00
APN : 116-07-132A
Distance 0.06 Miles
Recording Date : 11/04/1992
Sale Price : $15,500
Property Tax : $5,197.42
Lot Acres : 1.00
Living Area : 3,160
APN : 116-07-1300
Distance 0.07 Miles
Recording Date : 02/02/2009
Sale Price : $253,000
Property Tax : $4,073.95
Lot Acres : 1.00
Living Area : 2,425
APN : 116-07-133E
Owner Name : Vogel John K Yr Blt / Eff Yr Blt : 2007 /
Sale Date : 12/00/2001
Total Value : $409,741
Bed / Bath : / 3
Land Use : Sfr
Distance 0.07 Miles
Recording Date : 12/03/2001
Sale Price : $65,000
Lot Acres : 1.11
Living Area : 2,474
Stories : 1 APN : 116-07-133F
Customer Name :
Customer Company Name : First
4100 W SPEEDWAY
Owner Name : Martinez Manuel Q & Yolanda L
Sale Date : 11/14/1989
Total Value : $532,692
Distance 0.08 Miles
Recording Date : 11/14/1989
Sale Price : $71,500
Property Tax : $6,406.30
Bed / Bath : / 5 Lot Acres : 5.00
Land Use : Sfr
Stories : 1
Yr Blt / Eff Yr Blt : 1990 /
Living Area : 3,322
APN : 116-07-1290
1375 N ENCLAVE PL Distance 0.09 Miles
Owner Name : Casarez Itsia
Sale Date : 08/24/2016
Total Value : $639,009
Bed / Bath : / 5
Subdivision : Enclave/gates Pass
Recording Date : 08/26/2016
Sale Price : $50,000
Property Tax : $6,310.74
Land Use : Sfr Lot Acres : 2.15
Stories : 1
Yr Blt / Eff Yr Blt : 2018 /
Living Area : 3,062
APN : 116-07-1740
Customer Name
Census Tract / block: 44.33 / 2 Year: 2020
For detailed information and statistics on Arizona schools please go to https://azreportcards.azed.gov/
PARCEL: 116-07-133D
PARCEL: 116-07-133D
OWNER: KEYS FRED & ROSE
SITUS: 1332 N DUSTY HOLLOW CT PC
MAIL: 1332 N DUSTY HOLLOW CT
INSTRUMENT REC DATE
AFFIDAVIT 2022 674 03/15/2022
LEGAL: PTN W129.73' E389.23' SLY 200' NW4 SW4 SE4 1.00 AC SEC 6-14-13
CURRENT TAXES
PRIMARY 39,190 0 0 10.4518 0108
SECONDARY 50 44,923 0 4.8622
2023 TOTAL TAX BILLED 5,401.59
INFORMATION THROUGH 03/28/2024
2023 TAX AMT TAX DUE INTEREST DATE PAID TOTAL DUE
FIRST HALF 2,700.80 0.00 0.00 10/26/2023 0.00
SECOND HALF 2,700.79 2,700.79
04/24
STANDARD LAND USE: SFR
Thank you for the opportunity to be of service.
Restrictions indicating a preference, limitation or discrimination based on race, color, religion, sex, handicap, familial status, or national origin are hereby deleted to the extent such restrictions violate 42 USC 3604(c).
This information is furnished without fee and without benefit of a complete title search. No liability is assumed by First American Title. If it is desired that liability be assumed, you may apply for a policy of title insurance with First American Title Insurance Company.
Welcome to the home-selling process. Throughout this process, you can count on First American Title to guide you smoothly through your transaction and provide expert answers to your questions. We are happy to serve you.
Count On Us For Service
First American Title’s professionals are proud to provide the title insurance that assures people’s home ownership. Backed by First American Title Insurance Company, your transaction will be expertly completed in accordance with state-specific underwriting standards and state and federal regulatory requirements.
Count On Us For Stability
First American Title is the principal subsidiary of First American Financial Corporation, and one of the largest suppliers of title insurance services in the nation. With roots dating back to 1889, we’ve served families for generations.
Count On Us For Convenience
First American Title has a direct office or agent near you, offering convenient locations throughout Arizona. We also have an extensive network of offices and agents throughout the United States, and internationally.
Count On Us To Meet Your Needs
First American Financial Corporation offers more than title insurance and escrow services through its subsidiaries. Our subsidiaries also provide property data, title plant records and images, home warranties, property and casualty insurance, and banking, trust and advisory services.
Before you make the decision to try to sell your home alone, consider the benefits a REALTOR ® can provide that you may not be aware of.
› Understands market conditions and has access to information not available to the average homeowner.
› Can advertise effectively for the best results.
› Knows how to price your home realistically, to give you the highest price possible within your time frame.
› Is experienced in creating demand for homes and how to show them to advantage.
› Knows how to screen potential buyers and eliminate those who can’t qualify or are looking for bargain-basement prices.
› Knows how to go toe-to-toe in negotiations.
› Is always “on-call,” answering the phone at all hours, and showing homes evenings and weekends.
› Can remain objective when presenting offers and counter-offers on your behalf.
› Maintains errors-and-omissions insurance.
› Will listen to your needs, respect your opinions and allow you to make your own decisions.
› Can help protect your rights, particularly important with the increasingly complicated real estate laws and regulations.
› Is experienced with resolving problems to facilitate a successful closing on your home.
Only you can determine whether you should attempt to sell your home—probably your largest investment—all alone. Talk with a REALTOR® before you decide. You may find working with a professional is a lot less expensive and much more beneficial than you ever imagined!
Many people believe they can save a considerable amount of money by selling their homes themselves. It may seem like a good idea at the time, but while you may be willing to take on the task, are you qualified? The following are some questions to help you realistically assess what’s involved.
Do you...
- have the knowledge, patience, and sales skills needed to sell your home?
- know how to determine your home’s current market value?
- know how to determine whether or not a buyer can qualify for a loan?
- understand the steps of an escrow and what’s required of you and the buyer?
- need to hire a real estate attorney? If so, do you know what the cost will be and how much liability they will assume in the transaction?
- know how to advertise effectively and what the costs will be?
- understand the various types of loans buyers may choose and the advantages and disadvantages for the seller?
- have arrangements with an escrow and title company, home warranty company, pest-control service and lender to assist you with the transaction?
Are you...
- aware of conditions in the marketplace today that affect value and length of time to sell?
- concerned about having strangers walking through your home?
- familiar enough with real estate regulations to prepare a binding sales contract? Counter-offers?
- aware that every time you leave your home, you are taking it off the market until you return?
- aware that prospective buyers and bargain hunters will expect you to lower your cost because there’s no REALTOR® involved?
- prepared to give up your evenings and weekends to show your home to potential buyers and “just-looking” time wasters?
REALTOR ®
A REALTOR ® is a licensed real estate agent and a member of the National Association of REALTORS,® a real estate trade association. REALTORS ® also belong to their state and local Association of REALTORS.®
A real estate agent is licensed by the state to represent parties in the transfer of property. Every REALTOR ® is a real estate agent, but not every real estate agent has the professional designation of a REALTOR.®
LISTING AGENT
A key role of the listing agent or broker is to form a legal relationship with the homeowner to sell the property and place the property in the Multiple Listing Service.
BUYER'S AGENT
A key role of the buyer’s agent or broker is to work with the buyer to locate a suitable property and negotiate a successful home purchase.
MULTIPLE LISTING SERVICE (MLS)
The MLS is a database of properties listed for sale by REALTORS ® who are members of the local Association of REALTORS.® Information on an MLS property is available to thousands of REALTORS ®
TITLE COMPANY
These are the people who carry out the title search and examination, work with you to eliminate the title exceptions you are not willing to take subject to, and provide the policy of title insurance regarding title to the real property.
An escrow officer leads the facilitation of your escrow, including escrow instructions preparation, document preparation, funds disbursement, and more.
First impressions have a major impact on potential buyers. Try to imagine what potential buyers will see when they approach your house for the first time and walk through each room. Ask your REALTOR ® for advice; they know the marketplace and what helps a home sell. Here are some tips to present your home in a positive manner:
Mow and edge the lawn regularly, and trim the shrubs.
Make your entry inviting: Paint your front door and buy a new front door mat.
Paint or replace the mailbox, if needed.
If screens or windows are damaged, replace or repair them.
Repair or replace worn shutters and other exterior trim.
Make sure the front steps are clear and hazard-free. Make sure the doorbell works properly and has a pleasant sound.
Ensure that all exterior lights are working.
Check stucco walls for cracks and discoloration.
Remove any oil and rust stains from the driveway and garage.
Clean and organize the garage, and ensure the door is in good working order.
Shampoo carpeting or replace if worn. Clean tile floors, particularly the caulking.
Brighten the appearance inside by painting walls, cleaning windows and window coverings, and removing sunscreens.
Repair leaky faucets and caulking in bathtubs and showers.
Repair or replace loose knobs on doors and cabinets. If doors stick or squeak, fix them.
Make sure toilet seats look new and are firmly attached.
Repair or replace loud ventilating fans.
Replace worn shower curtains.
Rearrange furniture to make rooms appear larger. If possible, remove and/or store excess furniture, and avoid extension cords in plain view.
Remove clutter throughout the house. Organize and clean out closets.
Clean household appliances and make sure they work properly.
Air conditioners/heaters, evaporative coolers, hot water heater should be clean, working and inspected if necessary. Replace filters.
Check the pool and/or spa equipment and pumps. Make sure all are working properly and that the pool and/or spa are kept clean.
Inspect fences, gates and latches. Repair or replace as needed.
To make the best impression, keep your home clean, neat, uncluttered and in good repair. Please review this list prior to each showing:
Keep everything clean. A messy or dirty home will cause prospective buyers to notice every flaw.
Clear all clutter from counter tops.
Let the light in. Raise shades, open blinds, pull back the curtains and turn on the lights.
Get rid of odors such as tobacco, pets, cooking, etc., but don’t overdo air fresheners or potpourri. Fresh baked bread and cinnamon can make a positive impact.
Send pets away or secure them away from the house, and be sure to clean up after them.
Close the windows to eliminate street noise.
If possible you, your pets, and your children should be gone while your home is being shown.
Clean trash cans and put them out of sight.
If you must be present while your home is shown, keep noise down. Turn off the TV and radio. Soft, instrumental music is fine, but avoid vocals.
Keep the garage door closed and the driveway clear. Park autos and campers away from your home during showings
Hang clean attractive guest towels in the bathrooms.
Check that sink and tub are scrubbed and unstained.
Make beds with attractive spreads.
Stash or throw out newspapers, magazines, junk mail.
Appraisal
An estimate of value of property resulting from analysis of facts about the property; an opinion of value.
Annual Percentage Rate (APR)
The borrower’s costs of the loan term expressed as a rate. This is not their interest rate.
Beneficiary
The recipient of benefits, often from a deed of trust; usually the lender.
Closing Disclosure form designed to provide disclosures that will be helpful to borrowers in understanding all of the costs of the transaction. This form will be given to the consumer three (3) business days before closing.
Generally the date the buyer becomes the legal owner and title insurance becomes effective.
Sales that have similar characteristics as the subject real property, used for analysis in the appraisal. Commonly called “comps.”
Occurs when the borrower becomes contractually obligated to the creditor on the loan, not, for example, when the borrower becomes contractually obligated to a seller on a real estate transaction. The point in time when a borrower becomes contractually obligated to the creditor on the loan depends on applicable State law. Consummation is not the same as close of escrow or settlement.
An instrument used in many states in place of a mortgage.
Limitations in the deed to a parcel of real property that dictate certain uses that may or may not be made of the real property.
The date the amounts are to be disbursed to a buyer and seller in a purchase transaction or the date funds are to be paid to the borrower or a third party in a transaction that is not a purchase transaction.
Down payment made by a purchaser of real property as evidence of good faith; a deposit or partial payment.
A right, privilege or interest limited to a specific purpose that one party has in the land of another.
As to a title insurance policy, a rider or attachment forming a part of the insurance policy expanding or limiting coverage.
Real estate insurance protecting against fire, some natural causes, vandalism, etc., depending upon the policy. Buyer often adds liability insurance and extended coverage for personal property.
A trust type of account established by lenders for the accumulation of borrower’s funds to meet periodic payments of taxes, mortgage insurance premiums and/or future insurance policy premiums, required to protect their security.
Legal Description
A description of land recognized by law, based on government surveys, spelling out the exact boundaries of the entire parcel of land. It should so thoroughly identify a parcel of land that it cannot be confused with any other.
Lien
A form of encumbrance that usually makes a specific parcel of real property the security for the payment of a debt or discharge of an obligation. For example, judgments, taxes, mortgages, deeds of trust.
Form designed to provide disclosures that will be helpful to borrowers in understanding the key features, costs and risks of the mortgage loan for which they are applying. Initial disclosure to be given to the borrower three (3) business days after application.
The instrument by which real property is pledged as security for repayment of a loan.
PITI
A payment that includes Principal, Interest, Taxes, and Insurance.
Power of Attorney
A written instrument whereby a principal gives authority to an agent. The agent acting under such a grant is sometimes called an “Attorney-in-Fact.”
Recording
Filing documents affecting real property with the appropriate government agency as a matter of public record.
Settlement statement
Provides a complete breakdown of costs involved in a real estate transaction.
TRID
TILA-RESPA Integrated Disclosures
Chooses a Real Estate Agent
Gets pre-approval letter from Lender and provides to Real Estate Agent.
Makes offer to purchase. Upon acceptance, opens escrow and deposits earnest money.
Finalizes loan application with Lender. Receives a Loan Estimate from Lender.
Completes and returns opening package from First American Title.
Schedules inspections and evaluates findings. Reviews title commitment/ preliminary report.
Provides all requested paperwork to Lender (bank statements, tax returns, etc.) All invoices and final approvals should be to the lender no later than 10 days prior to loan consummation.
Lender (or Escrow Officer) prepares CD and delivers to Buyer at least 3 days prior to loan consummation.
Escrow officer or real estate agent contacts the buyer to schedule signing appointment.
Buyer consummates loan, executes settlement documents, & deposits funds via wire transfer.
Documents are recorded and the keys are delivered!
Chooses a Real Estate Agent
Accepts Buyer’s offer to purchase.
Completes and returns opening package from First American Title, including information such as forwarding address, payoff lender contact information and loan numbers.
Orders any work for inspections and/or repairs to be done as required by the purchase agreement.
Escrow officer or real estate agent contacts the seller to schedule signing appointment.
Documents are recorded and all proceeds from sale are received.
Upon receipt of order and earnest money deposit, orders title examination.
Requests necessary information from buyers and sellers via opening packages.
Reviews title commitment / preliminary report.
Upon receipt of opening packages, orders demands for payoffs. Contacts buyer or seller when additional information is required for the title commitment/ preliminary report.
All demands, invoices, and fees must be collected and sent to lender at least 10 days prior to loan consummation.
Coordinates with lender on the preparation of the CD.
Reviews all documents, demands, and instructions and prepares settlement statements and any other required documents.
Schedules signing appointment and informs buyer of funds due at settlement.
Once loan is consummated, sends funding package to lender for review.
Prepares recording instructions and submits docs for recording.
Documents are recorded and funds are disbursed. Issues final settlement statement.
Accepts Buyer’s application and begins the qualification process. Provides Buyer with Loan Estimate.
Orders and reviews title commitment / preliminary report, property appraisal, credit report, employment and funds verification.
Collects information such as title commitment / preliminary report, appraisal, credit report, employment and funds verification. Reviews and requests additional information for final loan approval.
Underwriting reviews loan package for approval.
Coordinates with Escrow Officer on the preparation of the Closing Disclosure, which is delivered to Buyer at least 3 days prior to loan consummation.
Delivers loan documents to escrow.
Upon review of signed loan documents, authorizes loan funding.
1. Downpayment
2. Termite (Wood Infestation) Inspection (negotiable except on VA) SELLER
3. Property Inspection (if requested by buyer)
4. Property Repairs, if any (negotiable)
5. New Loan Origination Fee (negotiable) BUYER
6. Discount Points (negotiable)
7. Credit Report
8. Appraisal or Extension Fee (negotiable)
Existing Loan Payoff
Existing Loan Payoff Demand
Loan Prepayment Penalty (if any)
Next Month’s PITI Payment
Prepaid Interest (approx. 30 days)
Reserve Account Balance (Credit seller / Charge buyer)
The escrow is the process of having a neutral party manage the exchange of money for real property. The escrow holder is known as an escrow or settlement officer or agent. The buyer deposits funds and the seller deposits a deed with the escrow holder along with all of the other documents required to remove all "contingencies" (conditions and approvals) in the purchase agreement prior to closing.
Once a purchase agreement is signed by all necessary parties, the agent representing the party who will pay the fee selects an escrow holder and the buyer's earnest money deposit and contract are submitted to the escrow holder. From this point, the escrow holder will follow the mutual written instructions of the buyer and seller, maintaining a neutral stance to ensure that neither party has an unfair advantage over the other. The escrow holder also follows the instructions of the Buyer's new lender, the seller's existing lender, and both parties' agents. The escrow holder ensures the transparency of the transaction, while carefully maintaining the privacy of the consumers.
Open escrow and deposit good faith funds into an escrow account
Conduct a title search to determine the ownership and title status of the real property
Review the title commitment and begin the process of working with you and the title officer to eliminate the title exceptions the buyer and the buyer’s new lender are not willing to take subject to. This includes ordering a payoff demand from your existing lender.
Coordinate with the buyer’s lender on the preparation of the Closing Disclosure (CD)
Prorate fees, such as real property taxes, per the contract and prepare the settlement statement
Set separate appointments allowing the buyer and seller to sign documents and deposit funds
Review documents and ensure all conditions are fulfilled and certain legal requirements are met
Request funds from buyer and buyer’s new lender
When all funds are deposited and conditions met, record documents with the County Recorder to transfer the real property to the buyer
After recording is confirmed, close escrow and disburse funds, including proceeds, loan payoffs, tax payments, and more
Prepare and send final documents to all parties
Prior to the development of the title industry in the late 1800s, a home-buyer received a grantor’s warranty, attorney’s title opinion, or abstractor’s certificate as assurance of home ownership. The buyer relied on the financial integrity of the grantor, attorney, or abstractor for protection. Today, home-buyers look primarily to title insurance to provide this protection. Title insurance companies are regulated by state statute. They are required to post financial guarantees to ensure that any claims will be paid in a timely fashion. They also must maintain their own “title plants” which house duplicates of recorded deeds, mortgages, plats, and other pertinent county property records.
Title insurance provides coverage for certain losses due to defects in the title that, for the most part, occurred prior to your ownership. Title insurance protects against defects such as prior fraud or forgery that might go undetected until after closing and possibly jeopardize your ownership and investment.
Title insurance insures buyers against the risk that they did not acquire marketable title from the seller. It is primarily designed to reduce risk or loss caused by defects in title from the past. A loan policy of title insurance protects the interest of the mortgage lender, while an owner’s policy protects the equity of you, the buyer, for as long as you or your heirs (in certain policies) own the real property.
You pay for your owner’s title insurance policy only once, at the close of escrow. Who pays for the owner’s policy and loan policy varies depending on local customs.
Protection from:
1 Someone else owns an interest in your title
2 A document is not properly signed
3 Forgery, fraud, duress in the chain of title
4 Defective recording of any document
5 There are restrictive covenants
6 There is a lien on your title because there is:
a) a deed of trust
b) a judgement, tax, or special assessment
c) a charge by a homeowner’s association
7 Title is unmarketable
8 Mechanics lien
9 Forced removal of a structure because it:
a) extends on another property and/or easement
b) violates a restriction in Schedule B
c) violates an existing zoning law*
10 Cannot use the land for a Single-Family Residence because the use violates a restriction in Schedule B or a zoning ordinance
11 Unrecorded lien by a homeowners association
12 Unrecorded easements
13 Building permit violations*
14 Restrictive covenant violations
15 Post-policy forgery
16 Post-policy encroachment
17 Post-policy damage from extraction of minerals or water
18 Lack of vehicular and pedestrian access
19 Map not consistent with legal description
20 Post-policy adverse possession
21 Post-policy prescriptive easement
22 Covenant violation resulting in your title reverting to a previous owner
23 Violation of building setback regulations
24 Discriminatory covenants
Other benefits:
25 Pays rent for substitute land or facilities
26 Rights under unrecorded leases
27 Plain language statements of policy coverage and restrictions
28 Compliance with Subdivision Map Act
29 Coverage for boundary wall or fence encroachment*
30 Added ownership coverage leads to enhanced marketability
31 Insurance coverage for a lifetime
32 Post-policy inflation coverage with automatic increase in value up to 150% over five years
33 Post-policy Living Trust coverage
* Deductible and maximum limits apply. Not available to investors on 1- to 4-unit residential properties. Coverage may vary based on an individual policy.
As with any insurance contract, the insuring provisions express the coverage afforded by the title insurance policy and there are exceptions, exclusions and conditions to coverage that limit or narrow the coverage afforded by the policy. Also, some coverage may not be available in a particular area or transaction due to legal, regulatory, or underwriting considerations. Please contact a First American representative for further information. The services described above are typical basic services. The services provided to you may be different due to the specifics of your transaction or the location of the real property involved.
One escrow transaction could involve more than 20 individuals, including real estate agents, buyers, sellers, attorneys, escrow officer, escrow technician, title officer, loan officer, loan processor, loan underwriter, home inspector, termite inspector, insurance agent, home warranty representative, contractor, roofer, plumber, pool service, and so on. And often, one transaction depends on another.
When you consider the number of people involved, you can imagine the opportunities for delays and mishaps. Your experienced escrow team can’t prevent unforeseen problems from arising; however, they can help smooth out the process.
Once the loan is approved and all invoices and paperwork have been provided, the lender and escrow officer will collaborate on the preparation of the Closing Disclosure (CD). In order to close on time, all paperwork and invoices should be submitted at least 10 days prior to the expected close of escrow date. The borrower must receive the CD at least three days* prior to consummation of the loan (typically the signing date). The escrow officer will also prepare an estimated settlement statement and inform the buyer of the balance of the down payment and closing costs needed to close escrow.
*For purposes of the Closing Disclosure“business day” is defined as every day except Sundays and Federal legal holidays.
The escrow holder will contact you or your agent to schedule a closing or signing appointment. In some states, this is the "close of escrow." In some others, the close of escrow is either the day the documents record or that funds are disbursed. Ask your escrow holder if you would like clarification about your state's laws.
You will have a chance to review the settlement statement and supporting documentation. This is your opportunity to ask questions and clarify terms. You should review the settlement statement carefully and report discrepancies to the escrow officer. This includes any payments that may have been missed. You are responsible for all charges incurred even if overlooked by the escrow holder, so it's better to bring these to their attention before closing.
The escrow holder is obligated by law to have the designated amount of money before releasing any funds. If you have questions or foresee a problem, let your escrow holder know immediately.
You will need valid identification with your photo I.D. on it when you sign documents that need to be notarized (such as a deed). A driver's license is preferred. You will also be asked to provide your social security number for tax reporting purposes, and a forwarding address.
If the buyer is obtaining a new loan, the buyer’s signed loan documents will be returned to the lender for review. The escrow holder will ensure that all contract conditions have been met and will ask the lender to "fund the loan." If the loan documents are satisfactory, the lender will send funds directly to the escrow holder. When the loan funds are received, the escrow holder will verify that all necessary funds are in. Escrow funds will be disbursed to the seller and other appropriate payees. Then, the REALTOR® will present the keys to the property to the buyer.
Create an inventory sheet of items to move.
Research moving options You’ll need to decide if yours is a do-it-yourself move or if you’ll be using a moving company.
Request moving quotes Solicit moving quotes from as many moving companies and movers as possible. There can be a large difference between rates and services within moving companies.
Discard unnecessary items Moving is a great time for ridding yourself of unnecessary items. Have a yard sale or donate unnecessary items to charity.
Packing materials. Gather moving boxes and packing materials for your move.
Contact insurance companies. (Life, Health, Fire, Auto) You’ll need to contact your insurance agent to cancel/transfer your insurance policy. Do not cancel your insurance policy until you have and closed escrow on the sale.
Seek employer benefits. If your move is work-related, your employer may provide funding for moving expenses. Your human resources rep should have information on this policy.
Changing Schools. If changing schools, contact new school for registration process.
Contact utility companies Set utility turnoff date, seek refunds and deposits and notify them of your new address.
Obtain your medical records. Contact your doctors, physicians, dentists and other medical specialists who may currently be retaining any of your family’s medical records. obtain these records or make plans for them to be delivered to your new medical facilities.
Note food inventory levels Check your cupboards, refrigerator and freezer to use up as much of your perishable food as possible.
Service small engines for your move by extracting gas and oil from the machines. This will reduce the chance to catch fire during your move.
Protect jewelry and valuables. Transfer jewelry and valuables to safety deposit box so they can not be lost or stolen during your move.
Borrowed and rented items. Return items which you may have borrowed or rented. Collect items borrowed to others.
Plan your itinerary. Make plans to spend the entire day at the house or at least until the movers are on their way. Someone will need to be around to make decisions. Make plans for kids and pets to be at the sitters for the day.
Change of address. Visit USPS for change of address form.
Bank accounts Notify bank of address change. Make sure to have a money order for paying the moving company if you are transferring or closing accounts.
Service automobiles If automobiles will be driven long distances, you’ll want to have them serviced for a trouble-free drive.
Cancel services. Notify any remaining service providers (newspapers, lawn services, etc) of your move.
Start packing. Begin packing for your new location.
Travel items. Set aside items you’ll need while traveling and those needed until your new home is established. Make sure these are not packed in the moving truck!
Scan your furniture. Check furniture for scratches and dents before so you can compare notes with your mover on moving day.
Prepare Floor Plan. Prepare floor plan for your new home. This will help avoid confusion for you and your movers.
Review the house. Once the house is empty, check the entire house (closets, the attic, basement, etc) to ensure no items are left or no home issues exist.
Sign the bill of lading. Once your satisfied with the mover’s packing your items into the truck, sign the bill of lading. If possible, accompany your mover while the moving truck is being weighed.
Double check with your mover. Make sure your mover has the new address and your contact information should they have any questions during your move.
Vacate your home. Make sure utilities are off, doors and windows are locked and notify your real estate agent you’ve left the property.
1 SUN CITY WES T
623.299.3644
13940 W. Meeker Blvd, #119
Sun City West, AZ 85375
N of Meeker Blvd W of R.H. Johnson
2 THE LEGENDS
623.537.1608
20241 N. 67th Ave, #A-2
Glendale, AZ 85308
E side 67th Ave/N of 101
3 ANTHEM
623.551.3265
39508 N. Daisy Mountain Dr, #128 Anthem, AZ 85086
NE corner Daisy Mtn Dr/Gavilan Peak Pkwy
4 TATUM RIDGE
480.515 4369
11211 N Tatum Blvd, #A150 Phoenix, AZ 85028
N of Shea, E side of Tatum
5 CAREFREE
480.575.6609
7202 E. Carefree Dr, Bldg 1, #1
Carefree, AZ 85377
NE corner of Tom Darlington/Carefree Dr.
6 SCOTTSDALE FORUM
480.551.0480
6263 N. Scottsdale Rd, #110 Scottsdale, AZ 85250
E Side Scottsdale/S of Lincoln
7 DC CROSSING
480.563.9034
18291 N. Pima Rd, #145
Scottsdale, AZ 85255
SE corner of Pima/Legacy
8 CHANDLER PORTICO
480.777.0051
2121 W. Chandler Blvd., #215
Chandler, AZ 85224
SW Corner Chandler Blvd./Dobson Rd.
9 GILBERT SAN TAN
480.777.0614
1528 E. Williams Field Rd. #101 Gilbert, AZ 85295
NW corner of Williams Field Rd./Val Vista Rd.
10 MESA
480.401.3738
1630 S. Stapley Dr, #123 Mesa, AZ 85204
N of Baseline / W of Stapley
11 RED MOUNTAIN
480.534.3599
1135 N. Recker Rd, #103 Mesa, AZ 85205
SE corner of Recker & Brown
12 GOLD CANYON
480.288.0883
6877 South Kings Ranch Rd, #5 Gold Canyon, AZ 85118
E of 60/South Side Kings Ranch Rd.