RAYMOND RAYDER (2)Q� ' r
This Warranty Deed
Made this 20th day of April, 2012 by
Raymond Rayder, A Married Man
hereinafter called the grantor, to
City of Clearwater, Florida, a Municipal Corporation of the
State of Florida
whose post office address is:
112 S. Osceola Avenue
Clearwater, FL 33756
KEN BURKE, CLERK OF COURT
PINELLAS COUNTY FLORIDA
INST# 2012125510 05/02/2012 at 12:57 PM
OFF REC BK: 17568 PG: 1261-1267
DocType:DEED RECORDING: 510.00
D DOC STAMP: $945.00
hereinafter called the grantee:
(Whenever used herein the term "grantar" and "grantee" include all the parties to this instrument and the heirs, legal
representatives and assigns of individuals, and the successors and assigns of corporations)
Wimesseth, that the grantor, for and in consideration of the sum of $10.00 and other valuable considerations, receipt
whereof is hereby acknowledged, hereby grants, bargains, sells, aliens, remises, releases, conveys and confirms unto the
grantee, all that certain land situate in Pinellas County, Florida, viz:
Lots 19 and 20, Block 3, OVERBROOK SUBDIVISION, according to the plat thereof, recorded in Plat Book 8,
Page 23 of the Public Records of Pinellas County, Florida.
Parcel Identification Number: 15-29-15-64890-003-0190
The above described property is not the Homestead property of the Grantor as defined by the Constitution of the
State of Florida
Together with all tne tenemenis, hereditaments and appurtenances thereto belonging or in anywise appertaining.
To Have and to Hold, the same in fee simple forever.
And the grantor hereby covenants with said grantee that the grantor is lawfully seized of said land in fee simple; that
the grantor has good right and lawful authority to sell and convey said land; that the grantor hereby fully warrants the title to
said land and will defend the same against the lawful claims of all persons whomsoever; and that said land is free of all
encumbrances. Subject to covenants, restrictions, easements of record and taxes for the current year and subsequent years.
In Witness Whereof, the said grantor has signed and sealed these presents the day and year first above written.
State of Florida
County of Pinellas
i.'
ymon� r
1700 S e Trail
Palm Harbor, FL 34685
The foregoing ins ment was acknowledged before me this 20th day of April, 2012, by Rayrnond Rayder, A Married Man ,
who is er onall m r who has produced g-e€��as identification.
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NO ARY P B (signature)
Print Name: Beth A Friederich .�,'Y P�� BETH FRiEDERICH
:��Pt VA���
My Commission Expires: ; r;• .�� : Notary Pubiic - State oi Florida
Stamp/Seal: =' • o;; My Comm. Expires Oec 30, 2014
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=;, P, Commission � EE 40974
���"%' �� ��P� @onded Throug� National Notary Assn.
Prepared by: Beth A Friederich
Sunbelt Title Agency
3458 Tampa Road
Palm Harbor, FL 34684 ,
File Number: 7989120219 .
Parcel Identification Number: 15-29-15-64890-003-0190
RETURN T0:
Sunb�lt Title Agency
2q70 W. State Rd. 434
Suite 450
Longwood, FL 32779
Incident to the issuance of a title Insurance contract.
WARRANTYDEED
REV. 03/20/12
LSD/AK
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Policy No.: 86709-011599
OWNER'S POLICY OF TITLE INSURANCE
(with Florida Modifications)
Issued by
Title Resources Guaranty Company
Any notice of claim and any other notice or statement in writing required to be given to the Company under this Policy must
be given to the Company at the address shown in Section 18 of the Conditions.
COVERED RISKS
SUBJECT TO THE EXCLUSIONS FROM COVERAGE, THE EXCEPTIONS FROM COVERAGE CONTAINED IN SCHEDULE
B, AND THE CONDITIONS, TITLE RESOURCES GUARANTY COMPANY, a Texas corporation (the "Company") insures, as of
Date of Policy, against loss or damage, not exceeding the Amount of Insurance, sustained or incurred by the Insured by reason of:
1. Title being vested other than as stated in Schedule A.
2. Any defect in or lien or encumbrance on the Title. This Covered Risk includes but is not limited to insurance against loss from
(a) A defect in the Title caused by
(i) forgery, fraud, undue influence, duress, incompetency, incapacity, or impersonation;
(ii) failure of any person or Entity to have authorized a transfer or conveyance;
(iii) a document affecting Title not properly created, executed, wimessed, sealed, acknowledged, notarized, or delivered;
(iv) failure to perform those acts necessary to create a document by electronic means autharized by law;
(v) a document executed under a falsified, expired, or otherwise invalid power of attorney;
(vi) a document not properly filed, recorded, or indexed in the Public Records including failure to perform those acts by
electronic means authorized by law; or
(vii)a defective judicial or administrative proceeding.
(b) The lien of real estate taxes or assessments imposed on the Title by a governmental authority due or payable, but unpaid.
(c) Any encroachment, encumbrance, violation, variation, or adverse circumstance affecting the Title that would be disclosed by
an accurate and complete land survey of the Land. The term "encroachment" includes encroachments of existing
improvements located on the Land onto adjoining land, and encroachments onto the Land of existing improvements located
on adjoining land.
3. Unmarketable Title.
4. No right of access to and from the Land.
5. The violation or enforcement of any law, ordinance, permit, or governmental regulation (including those relating to building and
zoning) restricting, regulating, prohibiting, or relating to
(a) the occupancy, use, or enjoyment of the Land;
(b) the character, dimensions, or location of any improvement erected on the Land;
(c) the subdivision of land; or
(d) environmental protection
if a notice, describing any part of the Land, is recorded in the Public Records setting forth the violation or intention to enforce, but
only to the extent of the violation or enforcement referred to in that notice.
In Wimess Whereof, TITLE RESOURCES GUARANTY COMPANY, has caused this policy to be signed and sealed as of Date of
Policy shown in Schedule A, the policy to become valid when countersigned by an autharized signatory of the Company.
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By:
An Authorized Signature
TRGC Form No.: 6709
ALTA Owner's Policy of Title Insurance 6-17-06 (with Florida Modifications)
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COVERED RISKS (con't)
6. An enforcement action based on the exercise of a governmental police power not covered by Covered Risk 5 if a notice of the
enforcement action, describing any part of the Land, is recorded in the Public Records, but only to the extent of the enforcement
referred to in that notice.
7. The exercise of the rights of eminent domain if a notice of the exercise, describing any part of the Land, is recorded in the Public
Records.
8. Any taking by a governmental body that has occurred and is binding on the rights of a purchaser for value without Knowledge.
9. Title being vested other than as stated in Schedule A or being defective
(a) as a result of the avoidance in whole or in part, or from a court order providing an alternative remedy, of a transfer of all or
any part of the title to or any interest in the Land occurring prior to the transaction vesting Title as shown in Schedule A
because that prior transfer constituted a fraudulent or preferential transfer under federal bankruptcy, state insolvency, or
similar creditors' rights laws; or
(b) because the instrument of transfer vesting Title as shown in Schedule A constitutes a preferential transfer under federal
banla�uptcy, state insolvency, or similar creditors' rights laws by reason of the failwe of its recording in the Public Records
(i) to be timely, or
(ii) to impart notice of its existence to a purchaser for value or to a judgment or lien creditor.
10. Any defect in or lien or encumbrance on the Title or other matter included in Covered Risks 1 through 9 that has been created or
attached or has been filed or recorded in the Public Records subsequent to Date of Policy and prior to the recording of the deed or
other instrument of transfer in the Public Records that vests Title as shown in Schedule A.
The Company will also pay the costs, attorneys' fees, and expenses incurred in defense of any matter insured against by this Policy,
but only to the extent provided in the Conditions.
EXCLUSIONS FROM COVERAGE
The following matters are expressly excluded from the coverage of this policy, and the Company will not pay loss or damage, costs,
attorneys' fees, or expenses that arise by reason o£
1. (a) Any law, ordinance, permit, or governmental regulation
(including those relating to building and zoning) restricting, regulating, prohibiting, or relating to
(i) the occupancy, use, or enjoyment of the Land;
(ii) the character, dimensions, or location of any improvement erected on the Land;
(iii) the subdivision of land; or
(iv) environmental protection;
or the effect of any violation of these laws, ordinances, ar governmental regulations. This Exclusion 1(a) does not modify or
limit the coverage provided under Covered Risk 5.
(b) Any governmental police power. This Exclusion 1(b) does not modify ar limit the coverage provided under Covered Risk 6.
2. Rights of eminent domain. This Exclusion does not modify or limit the coverage provided under Covered Risk 7 or 8.
Defects, liens, encumbrances, adverse claims, or other matters
(a) created, suffered, assumed, or agreed to by the Insured Claimant;
(b) not Known to the Company, not recorded in the Public Records at Date of Policy, but Known to the Insured Claimant and not
disclosed in writing to the Company by the Insured Claimant prior to the date the Insured Claimant became an Insured under
this policy;
(c) resulting in no loss or damage to the Insured Claimant;
(d) attaching or created subsequent to Date of Policy; or
(e) resulting in loss or damage that would not have been sustained if the Insured Claimant had paid value for the Title.
4. Any claim, by reason of the operation of federal bankruptcy, state insolvency, or similar creditors' rights laws, that the transaction
vesting the Title as shown in Schedule A, is
(a) a fraudulent conveyance or fraudulent transfer; or
(b) a preferential transfer for any reason not stated in Covered Risk 9 of this policy.
TRGC Form No.: 6709 Page 2
ALTA Owner's Policy of Title Insurance 6-17-06 (with Florida Modifications)
5. Any lien on the Title for real estate taxes ar assessments imposed by governmental authority and created or attaching between
Date of Policy and the date of recording of the deed or other instrument of transfer in the Public Records that vests Title as shown
in Schedule A.
CONDITIONS
DEFINITION OF TERMS
The following terms when used in this policy mean:
(a) "Amount of Insurance": The amount stated in Schedule A, as may be increased or decreased by endorsement to this policy,
increased by Section 8(b), or decreased by Sections 10 and 11 of these Conditions.
(b) "Date of Policy": The date designated as "Date of Policy" in Schedule A.
(c) "Entity": A corporation, parinership, trust, limited liability company, or other similar legal entity.
(d) "Insured": The Insured named in Schedule A.
(i) The term "Insured" also includes
(A) successors to the Title of the Insured by operation of law as distinguished from purchase, including heirs, devisees,
survivors, personal representatives, or next of kin;
(B) successors to an Insured by dissolution, merger, consolidation, distribution, or reorganization;
(C) successors to an Insured by its conversion to another kind of Entity;
(D) a grantee of an Insured under a deed delivered without payment of actual valuable consideration conveying the Title
(1) if the stock, shares, memberships, or other equity interests of the grantee are wholly-owned by the named
Insured,
(2) if the grantee wholly owns the named Insured,
(3) if the grantee is wholly-owned by an affiliated Entity of the named Insured, provided the affiliated Entity and
the named Insured are both wholly-owned by the same person or Entity, or
(4) if the grantee is a trustee or beneficiary of a trust created by a written instrument established by the Insured
named in Schedule A for estate planning purposes.
(ii) With regard to (A), (B), (C), and (D) reserving, however, all rights and defenses as to any successor that the Company
would have had against any predecessor Insured.
(e) "Insured Claimant": An Insured claiming loss or damage.
(fl "Knowledge" or "Known": Actual knowledge, not constructive knowledge or notice that may be imputed to an Insured by
reason of the Public Records or any other recards that impart constructive notice of matters affecting the Title.
(g) "Land": The land described in Schedule A, and affixed improvements that by law constitute real property. The term "Land"
does not include any property beyond the lines of the area described in Schedule A, nor any right, title, interest, estate, or
easement in abutting streets, roads, avenues, alleys, lanes, ways, or waterways, but this does not modify or limit the extent
that a right of access to and from the Land is insured by this policy.
(h) "Mortgage": Mortgage, deed of trust, trust deed, or other security instrument, including one evidenced by electronic means
authorized bylaw.
(i) "Public Records": Records established under state statutes at Date of Policy for the purpose of imparting constructive notice
of matters relating to real property to purchasers for value and without Knowledge. With respect to Covered Risk 5(d),
"Public Records" shall also include environmental protection liens filed in the records of the clerk of the United States
District Court for the district where the Land is located.
(j) "Title": The estate or interest described in Schedule A.
(k) "Unmarketable Title": Title affected by an alleged ar apparent matter that would permit a prospective purchaser or lessee of
the Title or lender on the Title to be released from the obligation to purchase, lease, or lend if there is a contractual condition
requiring the delivery of marketable title.
2. CONTINUATION OF INSURANCE
The coverage of this policy shall continue in force as of Date of Policy in favor of an Insured, but only so long as the Insured
retains an estate or interest in the Land, or holds an obligation secured by a purchase money Mortgage given by a purchaser from
the Insured, or only so long as the Insured shall have liability by reason of warranties in any transfer or conveyance of the Title.
This policy shall not continue in force in favor of any purchaser from the Insured of either (i) an estate or interest in the Land, or
(ii) an obligation secured by a purchase money Mortgage given to the Insured.
3. NOTICE OF CLAIM TO BE GIVEN BY INSURED CLAIMANT
The Insured shall notify the Company promptly in writing (i) in case of any litigation as set forth in Section 5(a) of these
Conditions, (ii) in case Knowledge shall come to an Insured hereunder of any claim of title or interest that is adverse to the Title,
as insured, and that might cause loss or damage for which the Company may be liable by virtue of this policy, or (iii) if the Title,
as insured, is rejected as Unmarketable Title. If the Company is prejudiced by the failure of the Insured Claimant to provide
prompt notice, the Company's liability to the Insured Claimant under the policy shall be reduced to the extent of the prejudice.
TRGC Form No.: 6709 Page 3
ALTA Owner's Policy of Title Insurance 6-17-06 (with Florida Modifications)
CONDITIONS (con't)
4. PROOF OF LOSS
In the event the Company is unable to determine the amount of loss or damage, the Company may, at its option, require as a
condition of payment that the Insured Claimant furnish a signed proof of loss. The proof of loss must describe the defect, lien,
encumbrance, or other matter insured against by this policy that constitutes the basis of loss or damage and shall state, to the
extent possible, the basis of calculating the amount of the loss or damage.
DEFENSE AND PROSECUTION OF ACTIONS
(a) Upon written request by the Insured, and subject to the options contained in Section 7 of these Conditions, the Company, at
its own cost and without unreasonable delay, shall provide for the defense of an Insured in litigation in which any third party
asserts a claim covered by this policy adverse to the Insured. This obligation is limited to only those stated causes of action
alleging matters insured against by this policy. The Company shall have the right to select counsel of its choice (subject to the
right of the Insured to object for reasonable cause) to represent the Insured as to those stated causes of action. It shall not be
liable for and will not pay the fees of any other counsel. The Company will not pay any fees, costs, or expenses incurred by
the Insured in the defense of those causes of action that allege matters not insured against by this policy.
(b) The Company shall have the right, in addition to the options contained in Section 7 of these Conditions, at its own cost, to
institute and prosecute any action or proceeding or to do any other act that in its opinion may be necessary or desirable to
establish the Title, as insured, or to prevent or reduce loss or damage to the Insured. The Company may take any appropriate
action under the terms of this policy, whether or not it shall be liable to the Insured. The exercise of these rights shall not be
an admission of liability or waiver of any provision of this policy. If the Company exercises its rights under this subsection, it
must do so diligently.
(c) Whenever the Company brings an action or asserts a defense as required or permitted by this policy, the Company may
pursue the litigation to a final determination by a court of competent jurisdiction, and it expressly reserves the right, in its
sole discretion, to appeal any adverse judgment or order.
DUTY OF INSURED CLAIMANT TO COOPERATE
(a) In all cases where this policy permits or requires the Company to prosecute or provide for the defense of any action or
proceeding and any appeals, the Insured shall secure to the Company the right to so prosecute or provide defense in the action
or proceeding, including the right to use, at its option, the name of the Insured for this purpose. Whenever requested by the
Company, the Insured, at the Company's expense, shall give the Company all reasonable aid (i) in securing evidence,
obtaining witnesses, prosecuting or defending the action or proceeding, or effecting settlement, and (ii) in any other lawful
act that in the opinion of the Company may be necessary or desirable to establish the Title or any other matter as insured. If
the Company is prejudiced by the failure of the Insured to furnish the required cooperation, the Company's obligations to the
Insured under the policy shall terminate, including any liability or obligation to defend, prosecute, or continue any litigation,
with regard to the matter or matters requiring such cooperation.
(b) The Company may reasonably reyuire the Insured Claimant to submit to examination under oath by any authorized
representative of the Company and to produce for examination, inspection, and copying, at such reasonable times and places
as may be designated by the authorized representative of the Company, all records, in whatever medium maintained,
including books, ledgers, checks, memoranda, correspondence, reports, e-mails, disks, tapes, and videos whether bearing a
date before or after Date of Policy, that reasonably pertain to the loss or damage. Further, if requested by any authorized
representative of the Company, the Insured Claimant shall grant its permission, in writing, for any authorized representative
of the Company to examine, inspect, and copy all of these records in the custody or control of a third party that reasonably
pertain to the loss or damage. All information designated as confidential by the Insured Claimant provided to the Company
pursuant to this Section shall not be disclosed to others unless, in the reasonable judgment of the Company, it is necessary in
the administration of the claim. Failure of the Insured Claimant to submit for examination under oath, produce any
reasonably requested information, or grant permission to secure reasonably necessary information from third parties as
required in this subsection, unless prohibited by law or governmental regulation, shall terminate any liability of the Company
under this policy as to that claim.
7. OPTIONS TO PAY OR OTHERWISE SETTLE CLAIMS; TERMINATION OF LIABILITY
In case of a claim under this policy, the Company shall have the following additional options:
(a) To Pay or Tender Payment of the Amount of Insurance. To pay or tender payment of the Amount of Insurance under this
policy together with any costs, attorneys' fees, and expenses incurred by the Insured Claimant that were authorized by the
Company up to the time of payment or tender of payment and that the Company is obligated to pay.
Upon the exercise by the Company of this option, all liability and obligations of the Company to the Insured under this policy,
other than to make the payment required in this subsection, shall terminate, including any liability or obligation to defend,
prosecute, or continue any litigation.
TRGC Form No.: 6709 Page 4
ALTA Owner's Policy of Title Insurance 6-17-06 (with Florida Modifications)
CONDITIONS (con't)
(b) To Pay or Otherwise Settle With Parties Other Than the Insured or With the Insured Claimant.
(i) to pay or otherwise settle with other parties for or in the name of an Insured Claimant any claim insured against under
this policy. In addition, the Company will pay any costs, attorneys' fees, and expenses incurred by the Insured Claimant
that were authorized by the Company up to the time of payment and that the Company is obligated to pay; or
(ii) to pay or otherwise settle with the Insured Claimant the loss or damage provided for under this policy, together with any
costs, attorneys' fees, and expenses incurred by the Insured Claimant that were authorized by the Company up to the time
of payment and that the Company is obligated to pay.
Upon the exercise by the Company of either of the options provided for in subsections (b)(i) or (ii), the Company's obligations to
the Insured under this policy for the claimed loss or damage, other than the payments required to be made, shall terminate,
including any liability or obligation to defend, prosecute, or continue any litigation.
8. DETERMINATION AND EXTENT OF LIABILITY
This policy is a contract of indemnity against actual monetary loss or damage sustained or incurred by the Insured Claimant who
has suffered loss or damage by reason of matters insured against by this policy.
(a) The extent of liability of the Company for loss or damage under this policy shall not exceed the lesser of
(i) the Amount of Insurance; or
(ii) the difference between the value of the Title as insured and the value of the Title subject to the risk insured against by
this policy.
(b) If the Company pwsues its rights under Section 5 of these Conditions and is unsuccessful in establishing the Title, as insured,
(i) the Amount of Insurance shall be increased by 10%, and
(ii) the Insured Claimant shall have the right to have the loss or damage determined either as of the date the claim was made
by the Insured Claimant or as of the date it is settled and paid.
(c) In addition to the extent of liability under (a) and (b), the Company will also pay those costs, attorneys' fees, and expenses
incurred in accordance with Sections 5 and 7 of these Conditions.
LIMITATION OF LIABILITY
(a) If the Company establishes the Title, or removes the alleged defect, lien, or encumbrance, or cures the lack of a right of
access to or from the Land, or cures the claim of Unmarketable Title, all as insured, in a reasonably diligent manner by any
method, including litigation and the completion of any appeals, it shall have fully performed its obligations with respect to
that matter and shall not be liable for any loss or damage caused to the Insured.
(b) In the event of any litigation, including litigation by the Company or with the Company's consent, the Company shall have no
liability for loss or damage until there has been a final determination by a court of competent jurisdiction, and disposition of
all appeals, adverse to the Title, as insured.
(c) The Company shall not be liable for loss or damage to the Insured for liability voluntarily assumed by the Insured in settling
any claim or suit without the prior written consent of the Company.
10. REDUCTION OF INSURANCE; REDUCTION OR TERMINATION OF LIABILITY
All payments under this policy, except payments made for costs, attorneys' fees, and expenses, shall reduce the Amount of
Insurance by the amount of the payment.
11. LIABILITY NONCUMULATIVE
The Amount of Insurance shall be reduced by any amount the Company pays under any policy insuring a Mortgage to which
exception is taken in Schedule B or to which the Insured has agreed, assumed, or taken subject, or which is executed by an
Insured after Date of Policy and which is a charge or lien on the Title, and the amount so paid shall be deemed a payment to the
Insured under this policy.
12. PAYMENT OF LOSS
When liability and the extent of loss or damage have been definitely fixed in accordance with these Conditions, the payment shall
be made within 30 days.
13. RIGHTS OF RECOVERY UPON PAYMENT OR SETTLEMENT
(a) Whenever the Company shall have settled and paid a claim under this policy, it shall be subrogated and entitled to the rights
of the Insured Claimant in the Title and all other rights and remedies in respect to the claim that the Insured Claimant has
against any person or property, to the extent of the amount of any loss, costs, attorneys' fees, and expenses paid by the
Company. If requested by the Company, the Insured Claimant shall execute documents to evidence the transfer to the
Company of these rights and remedies. The Insured Claimant shall permit the Company to sue, compromise, or settle in the
name of the Insured Claimant and to use the name of the Insured Claimant in any transaction or litigation involving these
rights and remedies.
TRGC Form No.: 6709 Page 5
ALTA Owner's Policy of Title Insurance 6-17-06 (with Florida Modifications)
CONDITIONS (con't)
If a payment on account of a claim does not fully cover the loss of the Insured Claimant, the Company shall defer the
exercise of its right to recover until after the Insured Claimant shall have recovered its loss.
(b) The Company's right of subrogation includes the rights of the Insured to indemnities, guaranties, other policies of insurance,
or bonds, notwithstanding any terms or conditions contained in those instruments that address subrogation rights.
14. ARBITRATION
Unless prohibited by applicable law, arbitration pursuant to the Title Insurance Arbitration Rules of the American Arbitration
Association may be demanded if agreed to by both the Company and the Insured at the time of a controversy or claim. Arbitrable
matters may include, but are not limited tq any controversy or claim between the Company and the Insured arising out of or
relating to this policy, and service of the Company in connection with its issuance or the breach of a policy provision or other
obligation. Arbitration pursuant to this policy and under the Rules in effect on the date the demand for arbitration is made or, at
the option of the Insured, the Rules in effect at Date of Policy shall be binding upon the parties. The award may include attorneys'
fees only if the laws of the state in which the Land is located permit a court to award attomeys' fees to a prevailing party.
Judgment upon the award rendered by the Arbitrator(s) may be entered in any court having jurisdiction thereof.
The law of the situs of the land shall apply to an arbitration under the Title Insurance Arbitration Rules.
A copy of the Rules may be obtained from the Company upon request.
15. LIABILITY LIMITED TO THIS POLICY; POLICY ENTIRE CONTRACT
(a) This policy together with all endorsements, if any, attached to it by the Company is the entire policy and contract between the
Insured and the Company. In interpreting any provision of this policy, this policy shall be construed as a whole.
(b) Any claim of loss or damage that arises out of the status of the Title or by any action asserting such claim whether or not
based on negligence shall be restricted to this policy.
(c) Any amendment of or endorsement to this policy must be in writing and authenticated by an authorized person, or expressly
incorporated by Schedule A of this policy.
(d) Each endorsement to this policy issued at any time is made a part of this policy and is subject to all of its terms and
provisions. Except as the endorsement expressly states, it does not (i) modify any of the terms and provisions of the policy,
(ii) modify any prior endorsement, (iii) extend the Date of Policy, or (iv) increase the Amount of Insurance.
16. SEVERABILITY
In the event any provision of this policy, in whole or in part, is held invalid or unenforceable under applicable law, the policy
shall be deemed not to include that provision or such part held to be invalid, but all other provisions shall remain in full force and
effect.
17. CHOICE OF LAW; FORUM
(a) Choice of Law: The Insured acknowledges the Company has underwritten the risks covered by this policy and determined the
premium charged therefore in reliance upon the law affecting interests in real property and applicable to the interpretation,
rights, remedies, or enforcement of policies of title insurance of the jurisdiction where the Land is located.
Therefore, the court or an arbitrator shall apply the law of the jurisdiction where the Land is located to determine the validity
of claims against the Titie that are adverse to the Insured and to interpret and enforce the terms of this policy. In neither case
shall the court or arbitratar apply its conflicts of law principles to determine the applicable law.
(b) Choice of Forum: Any litigation or other proceeding brought by the Insured against the Company must be filed only in a state
or federal court within the United States of America or its territories having appropriate jurisdiction.
18. NOTICES, WHERE SENT
Any notice of claim and any other notice or statement in writing required to be given to the Company under this policy must be
given to the Company at 8111 LBJ Freeway, Ste. 1200, Dallas, TX 75251, Phone: 800-526-8018 or trgcclaims@trgc.com.
TRGC Form No.: 6709 Page 6
ALTA Owner's Policy of Title Insurance 6-17-06 (with Florida Modifications)
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File No.:7989120219
Address Reference:
Amount of Insurance: $ 135,000.00
Owner's Policy
Issued By:
Title Resources Guaranty Company
Schedule A
Policy No.: 86709-011599
Premium: $ 750.
Date of Policy: Apri120, 2012, or the date of recording of the insured deed, whichever is later.
1. Name of Insured:
City of Clearwater, Florida, a Municipal Corporation of the State of Florida
2. The estate ar interest in the Land that is insured by this policy is:
FEE SIMPLE
3. Title is vested in:
City of Clearwater, Florida, a Municipal Corporation of the State of Florida
4. The Land referred to in this policy is described as follows:
�ots 19 and 20, Block 3, OVERBROOK SUBDIVISION, according to the plat thereof,
recorded in Plat Book 8, Page 23 of the Public Records of Pinellas County, Florida.
Parcel Identification Number:
Countersigned
Sunbelt Title Agency
2170 West SR 434, Suite 450
Longwood, Florida 32779
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An Authorized Signature
15-29-15-64890-003-0190
TRGC Form No.: 6709SchdA
Schedule A for ALTA Owner's Policy of Title Insurance 6-17-06
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Executive Vice President
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SecreCary
File No.:7989120219
Owner's Policy
Issued By:
Title Resources Guaranty Company
Schedule B
Policy No.: 86709-011599
EXCEPTIONS FROM COVERAGE
This policy does not insure against loss or damage, and the Company will not pay costs, attorneys' fees, or expenses
that arise by reason of:
1. Any rights, interests, or claims affecting the land which a correct survey would disclose and which
are not shown by the public records.
2. Any minerals or mineral rights leased, granted or retained by current or prior owners.
3. Taxes and assessments for the year 2012 and subsequent years, which are not yet due and
payable.
4. Any lien as provided for by Chapter 159, Florida Statutes, in favor of any city, town, village, or port authority
for unpaid services charges for service by any water, sewer, or gas systems supplying the lands described
herein; or any fines as provided for by Chapter 162, Florida Statutes, in favor of any county or municipality
for code enforcement violations, which fines may attach to any real property owned by the violator.
5. Matters as set forth and recited on Plat of Overbrook Subdivision according to the Plat thereof as recorded
in Plat Book 8, Page 23, inclusive as recorded in the Public Records of Pinellas County, Florida.
6. This property lies within and is subject to the rules, regulations and assessments, if any, of the Southwest
Florida Water Management District.
NOTE(S) FOR INFORMATIONAL PURPOSES ONLY:
All of the recording information contained herein refers to the Public Records of Pinellas County,
Florida, unless otherwise indicated. Any reference herein to a Book and Page is a reference to
the Official Record Books of said county, unless indicated to the contrary.
As to all restrictions set forth above, the following is added: "but omitting any covenant or restriction
based on race, color, religion, sex, handicap, familial status or national origin, unless and only to the
extent that said covenants(s): (a) is/are exempt under Chapter 42, Section 3607 of the United State
Code; or (b) relates to a handicap, but does not discriminate against handicapped persons."
TRGC Form No.: 6709Schd6
Schedule B for ALTA Owner's Policy of Title Insurance 6-17-06
Sunbelt Title Agency
3458 Tampa Road
Palm Harbor, FL 34684
Phone: (727) 772-8773 Fax: (727) 772-1672
May 17, 2012
City of Clearwater, Florida
112 S. Osceola Avenue
Clearwater, FL 33756
Re: Property Settlement
14 S. Evergreen Avenue
Clearwater, FL 33756
File No.: 7989120219
Dear Sir/Madam:
REC���D
MAY 2 9 2012
OFFICIAL RECARDS AI*1D
�}�IATNE SRVCS DEPT
Enclosed are the following documents in connection with your recent closing:
[ X ] Recorded Deed
[ X ] Owners Policy
Please keep these documents in a safe place for future needs.
Sunbelt Title Agency appreciates having served you. In the future, if you sell or refinance your property,
we would like the opportunity to provide title insurance for your transaction. You may be eligible for a
reduced rate for a new title insurance policy. We maintain a complete record of your file and can provide
prompt and efficient attention to your title insurance needs.
If we may be of any further assistance to you, please feel free to contact us.
Sincerely,
SUNBELT TITLE AGENCY
Enclosures
REMINDER: You must file for your HOMESTEAD EXEMPTION anytime after your closing and
BEFORE MARCH 1St of the following year.