CITY OF CLEARWATER(American Land Title Association - Owner's Policy Adopted 6 /17 /2006)(With Florida Modifications)
OWNER'S POLICY OF TITLE INSURANCE
OLD REPUBLIC NATIONAL TITLE INSURANCE 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, OLD REPUBLIC NATIONAL TITLE INSURANCE COMPANY, a Minnesota 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, witnessed, sealed, acknowledgcfl, n. tt:u iied, or delivered;
(iv) failure to perform those acts necessary to create a document by electronic means authorized br Luc:
(v) a document executed under a falsified, expired, or otherwise invalid power of attorney:
(vi) a document not properly tiled, recorded, n indexed in the Public Records including failure to perform those acts by
electronic means authorized by Ian; 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 parable, 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 00 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.
(Covered Risks continued)
In Witness Whereof, OLD REPUBLIC NATIONAL TITLE INSURANCE COD4PANY, 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 authorized signatory of the Company.
OLD REPUBLIC NATIONAL TITLE INSURANCE COMPANY
A Stock Company
400 Second Avenue South, Minneapolis, Minnesota 55401
16721371 -1111
By
Attest
b,„4
SERIAL
oF6 - 4121640
President
Secretary
FORM OF6 (rev. 12/10)(With Florida Modifications)
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(Covered Risks continued)
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 bankruptcy,
state insolvency, or similar creditors' rights laws by reason of the failure 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 of:
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, or 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 or 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.
3. 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.
5. Any lien on the Title for real estate taxes or 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.
FORM OF6 (rev. 12/10)(With Florida Modifications) 2 of 6
w
1. DEFINITION OF TERMS CONDITIONS
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, partnership, 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.
(f) "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 records 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 by law.
(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 or 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.
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.
FORM OF6 (rev. 12 /10)(With Florida Modifications)
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5. DEFENSE AND PROSECUTION OFACTIONS
(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.
6. 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 require 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.
(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.
& 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 pursues its rights under Section 5 of these Conditions and is unsuccessful in establishing the Title, as insured,
FORM OF6 (rev. 12 /10)(With Florida Modifications) 4 of 6
(i) the Amount of Insurance shall be increased by 10 %, an
(ii) the Insured Claimant shall have the right to have the Ic ss 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.
9. 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 bt 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 he
liable for any loss or damage caused to the Insured.
(h) 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 ofcompetent 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 %oluntarilh 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 pa}ments under this policy, except pat meats 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 he reduced by any amount the Company pays tinder any policy insuring a Mortgage to which exception is
taken in Schedule B or to tvhich the Insured has agreed, assumed, or taken subject, or which is executed bs 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 tinder this policy.
12. PAYMENT OF LOSS
When liability and the extent of loss or damage have been deli nitch fixed in accordance with these Conditions. the payment shall he
made within 3)) days.
13. RIGHTS OF RECOVERY UPON PAYMENT OR SETTLEMENT
(a) Whenever the Company shall have settled and paid it claim under this policy, it shall be suhrogated and entitled to the rights of the
Insured Claimant in the Title and alI 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 bs 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 flui remedies.
If a payment on account of a claim does not fully coyer 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 amv terms or conditions contained in those instruments that address subrogation rights.
14. ARBITRATION
Unless prohibited by applicable lair, arbitration pursuant to the Title Insurance Arbitration Rules of the .American Arbitration Association aim he
demanded if agreed to by both the Company and the Insured at the time of the controversy or claim. Arbitrable matters nun include. but are not limited
to, 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 firr arbitration is made or, at the option of the Insured. the Rules in effect at Date of Policy shall he 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 attorneys' tees to a prevailing party. Judgment
upon the award rendered by the Arhitrator(s) may be entered in any court having jurisdiction thereof.
Thr law of the situs of the land shall apply to an arbitration under the Title Insurance Arbitration Rules.
A copy of the Rules may he 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 he construed as arwhole.
(b) Any claim ofloss or damage that arises out of the status of the Tide or by any action asserting such claim whether or not based on negligence
shall he restricted to this policy.
(c) Any amendment of or endorsement to this policy must bein writing and authenticated 1)51111 authonied person, ttrexpressl\ 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 expresslystates ,it does not (i) modify any of the terms and provisions of the policy, (11) modify any prior endorsement,
(iii) extend the Date of Policy, or (iv) increase the Amount of Insurance.
FORM OF6 (rev. 12 /10)(With Florida Modifications) 5 of 6
16. SEVERABILITY
In the event any provision of this policy, in whole or in part, is held invalid or unenforceable under applicable late, 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 tmdeneritten the risks covered by this policy and determined the premium
charged therefor in reliance upon the law affecting interests in real property and applicable to the interpretati(n, 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 hay of the jurisdiction where the Land is located to determine the validity of
claims against the Title that are adverse to the Insured and to interpret and enforce the terms of this policy. In neither case shall the
court or arbitrator apply its conflicts of law principles to determine the applicable law.
(h) Choice of Forum: Any litigation or other proceeding brought bs the Insured against the Company' must be tiled 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 am other notice or statement in writing required to be given to the Company under this policy must be given to
the Company at 4011 Second Avenue South, Minneapolis, Minnesota 55401- 2499, Phone: (612) 371 -1111.
FORM OF6 (rev. 12 /10)(With Florida Modifications)
6 of 6
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OLD REPUBLIC NATIONAL TITLE INSURANCE COMPANY
OWNER'S POLICY
Schedule A
Policy No.: OF6- 4121640
Date of Policy: July 31, 2014 at 9:57 AM
Amount of Insurance: $94,000.00
Fund File Number 04- 2013 - 004369
Agent's File Reference: MORGAN /CITY OF
CLEARWATER
Premium:$529.00
Address Reference: 1140 Brownell Street, Clearwater, FL 33756
1. Name of Insured:
The City of Clearwater, Florida, a municipal corporation of the State of Florida
2. The estate or interest in the Land that is insured by this policy is FEE SIMPLE as shown by
instrument recorded in O.R. Book 18478, Page 1375, of the Public Records of Pinellas
County, Florida.
3. Title is vested in:
The City of Clearwater, Florida, a municipal corporation of the State of Florida
4. The land referred to in this Policy is described as follows:
Lot 11, Block 1, Moase and Harrison's Subdivision of Lot 7 of R.H. Padgetts Subdivision,
according to the map or plat thereof as recorded in Plat Book 2, Page 85, Public Records of
Hillsborough County, Florida, of which Pinellas County was formerly a part
AGENT NO.: 3600901
ISSUED BY: Matthew B Sullivan P.A.
AGENT'S SIGNATURE
Old Republic National Title Insurance Company
400 Second Avenue South, Minneapolis, Minnesota 55401, (612) 371 -1111
MAILING ADDRESS:
4756 Central Avenue
St Petersburg, FL 33711
Matthew B Sulliva
OF6- SCH. -A (rev. 12/10) (W "orida Modifications)
Page 1 of 1
OLD REPUBLIC NATIONAL TITLE INSURANCE COMPANY
OWNER'S POLICY
Schedule B
Policy No.: OF6- 4121640
Fund File Number 04- 2013 - 004369
Agent's File Reference: MORGAN /CITY OF
CLEARWATER
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. General or special taxes and assessments required to be paid in the year 2014 and subsequent
years.
2. Rights or claims of parties in possession not recorded in the Public Records.
3. Any encroachment, encumbrance, violation, variation, or adverse circumstance that would be
disclosed by an inspection or an accurate and complete land survey of the Land and inspection of
the Land.
4. Easements or claims of easements not recorded in the Public Records.
5. Any lien or right to a lien, for services, labor, or material furnished, imposed by law and not
recorded in the Public Records.
6. Any adverse ownership claim by the State of Florida by right of sovereignty to any portion of the
Land insured hereunder, including submerged, filled and artificially exposed lands, and lands
accreted to such lands.
Items 2 -5 are hereby deleted.
7. All matters contained on the Plat of Moase and Harrison's Subdivision of Lot 7 of R.H. Padgetts
Subdivision, as recorded in Plat Book 2, Page 85, Public Records of Hillsborough County,
Florida, of which Pinellas County was formerly a part.
8. Reservations in favor of the State of Florida, as set forth in the deed from the Trustees of the
Internal Improvement Fund of the State of Florida, recorded in O.R. Book 945, Page 349, Public
Records of Pinellas County, Florida.
OF6- SCH. -B (rev. 12/10) (With Florida Modifications)
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