CITY OF CLEARWATER (5)Somers Title Company
1290 Court Street
Clearwater, Florida 33756
Phone: 727 - 441 -1088 Fax: 727 - 449 -1359
City of Clearwater - Chuck Lane
P.O. Box 4748
Clearwater, FL 33758
RE: Lasalle St., Clearwater, Florida 33755
Mr. Chuck Lane
RECEIVED
AUG 0 3 2015
OFFICIAL RECORDS AND
LEGISLATIVE SRVCS DEPT
RECEIVED
Date
JUL 162015
Engineering Department
0 Of Clearwater
Enclosed, please find your original recorded deed along with our Owner's Policy of Title Insurance in reference
to the purchase of the above mentioned property. Be sure to retain these documents in a safe place for future
reference.
In the future, if you choose to refinance or sell the property, please call us. We maintain a completely
documented file of each transaction; therefore, we can handle your new transaction in a timely manner.
It was a pleasure having the opportunity to assist you with your real estate transaction. On behalf of SOMERS
TITLE COMPANY, we appreciate your patronage and hope to continue serving your title insurance needs.
Sincerely,
(?-elUit}--
Megan Bellerose
SOMERS TITLE COMPANY
1503023C
CHICAGO TITLE
INSURANCE COMPANY
POLICY NO.: 6097- 1- 1503023c- 2015.7430609- 93733490
OWNER'S POLICY OF TITLE INSURANCE
Issued by
Chicago 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, CHICAGO
TITLE INSURANCE COMPANY, a Nebraska 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, acknowledged, notarized, or delivered;
(iv) failure to perform those acts necessary to create a document by electronic means authorized 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.
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
7230609
ALTA Owner's Policy (6/17/06)
1 of 6 (with Florida Modifications)
AMf &IWAN
Copyright American Land Title Association. All rights reserved. The use of this Form is restricted to ALTA licensees and ALTA members in good "Mw T?f
ASMAJMION
standing as of the date of use. All other uses are prohibited. Reprinted under license from the American Land Title Association.
(b) because the instrument of transfer vesting Title as shown in Schedule A constitutes a preferential transfer under federal bankruptcy, state insolverl ; r -'
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.
In Witness Whereof, CHICAGO TITLE INSURANCE 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 authorized signatory of the Company.
6097FL 1503023c
Somers Title Company
1290 Court St
Clearwater, FL 33756 -5003
Tel: (727) 441 -1088
Fax: (727) 449 -1359
Countersigned:
7230609
CHICAGO TITLE INSURANCE COMPANY
By:
lI mph,. L
ATTEST P'e,dent
ALTA Owner's Policy (6/17/06)
2 of 6 (with Florida Modifications)
Copyright American Land Title Association. All rights reserved. The use of this Form is restricted to ALTA licensees and ALTA members in good
standing as of the date of use. All other uses are prohibited. Reprinted under license from the American Land Title Association.
Agit RICAN
14.11. i1F11
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)
(b)
(c)
(d)
(e)
created, suffered, assumed, or agreed to by the Insured Claimant;
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;
resulting in no loss or damage to the Insured Claimant;
attaching or created subsequent to Date of Policy; or
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.
CONDITIONS
1. 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, partnership, trust, limited liability company, or
other similar legal entity.
(d) "Insured ": The Insured named in Schedule A.
(I)
7230609
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)
(2)
(3)
if the stock, shares, memberships, or other equity
interests of the grantee are wholly -owned by the
named Insured,
if the grantee wholly owns the named Insured,
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
3 of 6
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.
"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.
"Title ": The estate or interest described in Schedule A.
"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.
(g)
ALTA Owner's Policy (6/17/06)
(with Florida Modifications)
Copyright American Land Title Association. All rights reserved. The use of this Form is restricted to ALTA licensees and ALTA members in good
standing as of the date of use. All other uses are prohibited. Reprinted under license from the American Land Title Association.
AM! ItICAN
LCCU ilea
AVOCIAI ION
2. CONTINUATION OF INSURANCE 6. DU
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.
5. 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.
(a)
(b)
TY OF INSURED CLAIMANT TO COOPERATE
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.
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
7230609 4 of 6
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
ALTA Owner's Policy (6/17/06)
(with Florida Modifications)
...Ail RICAN
Copyright American Land Title Association. All rights reserved. The use of this Form is restricted to ALTA licensees and ALTA members in good LAND 'rim
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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 pursues 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.
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 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.
7230609
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.
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
5 of 6
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
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 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 attorneys' 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.
ALTA Owner's Policy (6/17/06)
(with Florida Modifications)
Copyright American Land Title Association. All rights reserved. The use of this Form is restricted to ALTA licensees and ALTA members in good
standing as of the date of use. All other uses are prohibited. Reprinted under license from the American Land Title Association.
AMta,c•N
LAND 7411
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 therefor 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.
(b) 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 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.
(c) 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 Chicago Title Insurance Company, Attn: Claims Department, P.O. Box
45023, Jacksonville, FL 32232 -5023.
ALTA Owner's Policy (6/17/06)
7230609 6 of 6 (with Florida Modifications)
Copyright American Land Title Association. All rights reserved. The use of this Form is restricted to ALTA licensees and ALTA members in good
standing as of the date of use. All other uses are prohibited. Reprinted under license from the American Land Title Association.
1k., GAN
IANU TIM
CHICAGO TITLE
INSURANCE COMPANY
SCHEDULE A
Name and Address of Title Insurance Company: Somers Title Company 1290 Court Street,
Clearwater, Florida 33756
File No.:1503023C Policy No.:7430609- 93733490
Address Reference:Lasalle St., Clearwater, Florida 33755
(For information only)
Amount of Insurance: $2,255.00
Premium: $100.00
Date of Policy: June 5, 2015 at 01:37 PM.
1. Name of Insured: City of Clearwater
2. The estate or interest in the Land that is insured by this policy is: Fee Simple
3. Title is vested in:
Corporate Warranty Deed executed by Clearwater Neighborhood Housing Services Inc., a
Florida Corporation to City of Clearwater dated May 29, 2015, filed June 5, 2015, in
Official Records Book 18805, Page 2320, of the Public Records of Pinellas County, Florida,
conveying said property described herein.
4. The Land referred to in this policy is described as follows:
Lot 15, Block D, Palm Park, according to the map or plat thereof, as recorded in Plat Book
4, Page 86 of the Public Records of Hillsborough County, Florida, of which Pinellas County
was formerly a part.
ALTA Owner's Policy (6/17/06)
2730706 1 of 3 (with Florida Modifications)
ASSOCIATION
AME
LAND TITLE
Copyright American Land Title Association. All rights reserved. The use of this Form is restricted to ALTA licensees and ALTA
members in good standing as of the date of use. All other uses are prohibited. Reprinted under license from the American Land Title
Association
CHICAGO TITLE
INSURANCE COMPANY
THE TELEPHONE NUMBER TO PRESENT INQUIRIES OR OBTAIN INFORMATION
ABOUT COVERAGE AND TO PROVIDE ASSISTANCE IS 1- 800 - 669 -7450
THIS POLICY VALID ONLY IF SCHEDULE B IS ATTACHED
ALTA Owner's Policy (6/17/06)
2730706 2 of 3 (with Florida Modifications)
AMERICAN
LAND TITLE
ASSOCIATION
Copyright American Land Title Association. All rights reserved. The use of this Form is restricted to ALTA licensees and ALTA
members in good standing as of the date of use. All other uses are prohibited. Reprinted under license from the American Land Title
Association
CHICAGO TITLE
INSURANCE COMPANY
SCH 1M rLE B
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. Taxes and assessments for the year 2015 and subsequent years, which are not yet due and
payable.
2. Easements, claims of easements, boundary line disputes, overlaps, encroachments or other
matters not shown by the public records which would be disclosed by an accurate survey of the
land.
3. Rights or claims of parties in possession not shown by the public records.
4. Any lien, or right to a lien, for services, labor, or materials heretofore or hereafter furnished,
imposed by law and not shown by the public records.
5. Taxes or assessments which are not shown as existing liens in the public records.
6. Any claim that any portion of the insured land is sovereign lands of the State of Florida,
including submerged, filled or artificially exposed lands accreted to such land.
7. Any lien provided by Chapter 159, Florida Statutes, in favor of any city, town, village or port
authority for unpaid service charges for service by any water, sewer or gas system supplying the
insured land.
The following items are hereby deleted: 3, 4, and 6
8. Subject to any lien for municipal improvements or services to captioned land which has not been
filed for record in the Office of the Clerk of the Circuit Court of Pinellas County, Florida, and
any and all outstanding assessments projected or to be projected, if any.
9. Subject to zoning and/or other governmental prohibition or regulations affecting the use of the
property.
ALTA Owner's Policy (6/17/06)
2730706 3 of 3 (with Florida Modifications)
AMERICAN
LAND TITLE
ASSOCIATION
Copyright American Land Title Association. All rights reserved. The use of this Form is restricted to ALTA licensees and ALTA
members in good standing as of the date of use. All other uses are prohibited. Reprinted under license from the American Land Title
Association