HomeMy WebLinkAbout026-939-02-5202-LUP-1998-589 / �`� 7°_ -
��� "� Application for Land Use Permit � •.Q
� �/ County of Sawyer � � �
PO Box 668 -Haywffid WI 54843 I (� �
� 'I15/6348288 r"
The undasi�ted�ereby makes application for a Land Use Peffiit and agees that all work I � �
chal! be done ia compliance with the requiremeats of the Sawyer County Zoniag Ordinance
aad the laws and regulaIIons of the Stsu of Wisconc;n
W aod�o•.d pd 1.� �'o r(�. p�N�'-USE BLACK INK OA YENCII. ( �
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�C�.'��� . �rdd �w � y�dtir' �'.��n��;�r�'� g �
Owner Bui.ida �
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/� Fradr'c.k A��. P.� ��/� n �
Mailing Address MailIing Address �
�5�. �Cote���e. �NSO� �iaUward� l.J � S`� F<</3
Ciry,5rate,Zip Ciry,3�'a e,Zip �,�
Qic.- �� - 830(�_ Ce3�- 9�.5'� -- �
Daytime Phone Daytime Phone '
�4
Building Laud Use � �
( )New ( )Filliag Zone Dis�iet Q�R-�
s
(��'Addition ( )Dredgiag �
0
O A]teraaon O Crrading Lot Size �'
( )Moving On ( ) g
( ) (.) Acres g,� ,� � �
Primary SRucture Accessory Building Addition a n �
({�Dwellin� ( )Garage�attached/detached ( )Deck ��
(rrYear round ( )#of ear sralls ( )Porch �'
( )�easoaal ( )Storage Building ( )Enclosed �,
{i�'Frame built oa site ( )Screenhouse ( )Living room �
( )Modulaz/manufacnued ( )Cmenbouse ( )Kitchen
( )Mobile/manufacnued ( )Other �Xj Bedroom i �
( )Other primary s�uctute ( ) ( )Relocatdealarge
( � ( ) ( )#ofnew "
�w�, j;, ,, t� t�:k . � _ � f`
Type of Construction ' � �
(r�rdme ( )Log ( )Pole/metal (�JBlock ( )Concrete •�
�
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( )�� "
Cons�uction Cost S_ �02� 000 � �
BI-i9v a �
Vol ,�'�l I P �1� of Deed Certified Soil Test#,�,y-a��� � ,;, ° 'r�i �,,�
C5M Vol Pg Sanitary Pecmit#�j-17 f- �'4 1 �-='� I-D
Plat Envelope Or, , , G��:,, �' �." Z
Condo Vol P¢ Year lnstalled �,n ,.�. �n ���O� G
Af�'of ex septic V P Owner W6en Iatitailed: � �q
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��c S'�
�BizO'd 5693 LLZ 9T3 L 0� 3113Zti� B SS321d-5�13N £0:ii 866T-S0-1�0
Application foz I�ad Use Permit — Page 2
Describe Construction: Lisc dimensions of each suuccure, scory, addicion, or akerauoa
s�l. �2. #3. #4.
Size�.�_ ft. wide f[. wide ft. wide ft. wide
�� ft long ft. ]ong ft, long fc. long
Floor area h a o sq. ft. sq. 8. sq. ft sq. h.
Hgt �°m�_� t6 P� h � fr- hg�. � f�. h�c.
Stories �_ stories s�ories . scories
# of bedrooms _L,
rear lo� line or waterline of lake/river
In the boz skeuh in:
Loca�ioa and size of all • , ' ��
existing and proposed mucnues. �� � o
3� � �
a
Locaaon of septic system �� �, 8 ~
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Tndicate dis[ance to: �� � �. �
Waterline � '`
Road � �i o�-
Lot lines � �u �
Septic system �`
Distance between stnlc[ures.
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Indicate Nonh � � 3 � P �
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Fire Number: \ R�\Q��4 u �
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JS13�t �3 C� y \ r-►�'ws
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Signature of Owner °y
The abo�e ceniFies mac�De 1u� � `
uiEormstion and intmdona ue nve and
�rarea. TLe above persodsl hereby
giYe permission far aocess m We
propccy fa onsite iaspeaion. -____ centerline oF road-------
LssueDau nrtnhar i � , 199R ExpireDate October 16 . 1999
Office Commenu: .�� C/_ l�/J2,Z?%��
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Signature oFZoning Administraior
�0i£0 'd 5693 ILZ 9L9 T 0� 3113ZFi� 8 SS321d-5�13N £9: TL 366T-50-1J0
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Arrow Building Center � �
A Division of Consolidated Lumber Company .
DATE JOB PHONE
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Serving Wisconsin Indianhead Region, St. Croix and Mississippi River Valley Areas since 1903.
www.arrowbuildingcenter.com
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� TOWN OF BASS LAKE
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i SCALE: I INGH=400 FEE
DRAWN BY:MK I
g _ _ COLON (:) INDIGATES Gc
TAS DASID. Aer� 77B •.a nuu ao..�n�ww
' � � ' Scdlen '77.16 Wicpuln 61aWlN ' �
To All To Whom These Presents Shall Come, Greeting: �°�• �1 k�� 67r�
w�-teRens._.:_........�I.caodla.nd(v...Po..'�nt._Car�ora.�ion......................................:...................................:..................................
ll5516'l)[C 0�............_.,...._.._.....N��.ti�rY.Ct'.....V.nun li.J�................................._.._......_.._.............._..........._...................................................................�y.....
hns dc�sitcd in the office of �he County Clcrk o! the County oC............:.dSlVG 1.- __......_..._.......:_..............__... in the Stete o(\Viscoroin,
_.......Qne..._.............. ...............(............1,...a c«<��c�.... �r....... Inc.va.r_ Dia.�.o.�:......................................................................_............._,
the chen County Trtesurer of said Ca�nty, whercby it eppeere, en tFu (ect ie. thnt the followiry=deuribed piece.... or percel....o(ierd lying
erni bcing situatcd in thc County oL:....:.S.c'.+�1tIS�.�:.T._..._...... ._........_.._....._...... S[a[e of Wistoniin. to-wi4 �
��That Pa.rt of Government Lo1: Two (2) , de�cribed in Volume 97 of Deeds
at page 613, Section Two (2) , Township Thirty-nine (39) North, Range
Nine (9) �dest , and also that part of Government Lot Tvao (2) , Section
Three (3) , Township Thirty-nine (39) North, Range Nine (9) West .
� i�/3 ��9 �
� . . ' Anip�Rer'a O[fice
, . Sc'.ry�r Counry
� , peceived Icr record the��_j day o!
e\ D�:`J`�nl vy_o ebek
���! ,�:o�dEu iyn•��Lo;��
' , ol° s on p.^�./G' � / _
� , ' ��'Z�v C i�.yis:e[
. . � _ _ p,y ry .
W.........F,IS......, for the non-peyment of taxes, sold by the seid Treasumr of seid County, et public auction et the County Treaaurcr's o(fice, in ��I
� �.
chc County oC..........,.s.3::�✓.E.1'............... .......... .... �� Y � �.
.... . .. on the...........�.�.5.�................... ..da ot......--- .c.u.� .e.r.................................. �� c
year of our L.ord, onc thousend nine hundred end...B.l.'.��{...11�I1£.._.._................ co the seid..S7.Yf��S'.....C.QL1X1'��1............................_ ..
...................................................................................�---......................---........................................................................................................................................ �.
� for the sum oL......QI1C.._1�1.Q.USx1C1CL...S1X...HllX1C1T.8.C1...3!:f]Y'.�.,y....�'.D.UT.r.-.r.c-.:-.r_-.-.r.....Dollers end.........2Z}._.............Cents �.
in the whole, which sum aes the amoune o( taza essessed end due, and unpaid on seid................................................tract....of lend, together .
wich the casts and chnrgu o(such sele,due chereaich et the time of ineking such sele, t!x whole ot which sum of money has been paid by cix
eforesaid purchescc...; .�
MID W}-IEREAS it (utther eppean,es the(act is,that the owner....or cleimene....o(aeid lands ha.............not redeaned from seid sele
thc lends which were sold as a(oresaid,end seid Iards are rww unredcemed from such sale,whereby seid described lends heve ba'.onx f°r�ated ,,
end che said purchesec..................... _1:t.S....................Fuirs or acdgru......�5....entidcd to e conveyence tixreof: ..
NOW. 7HERGFORE. KNOW ALL MEN BY TF-IESE PRBSENTS. thet the County o(...................n�7,.V15!..P,.X'.............................
in said State,arul the Stace of Wistoruin, in conaideration of the snid moncy e(oreseid,and t}u premises,end in con(ortnity to lew, heve given '�
nnd hcreby do give, gcant and wmcy che_....._.........................._S2,1G..........trecc....of lend ebove described, rogetlur with tFu hereditaments ,�.
• � a ° ........................� and to '��
a�,d aPp�ne„a��, �o cn� ��d..................Sdo.ndlasLd...Eo�.n,..._Garpora,;.l.on................_...............................
_..............._.......1:t.S...........heirs end assigru. to cbeir sole use and bcnefic F'OREVER. �.I,
IN TESTIMONY WI-�REOF, f...._.................................s7.3IY;.G'`.5....A......�s°1d(t.q..a.1X1..................� theCountyClerko(theCountyof i'.,
......_...._...............r�s�..YWy..4'.X.'...................� heve e�cecuted this De.ed. Pursuent to and in virtue o( �.�'�
.� n�i�' the eutMrity in me vuted by the scacucw of che Sce[e of Wlscoruin, end for and on fxhelf o( ,�
,� ��. �.�•� . ,, �� seid Sra[e, end tlx County oC.............................�b1.VP✓-8.X'..._...._..._.. eforesaid� end heve .
� (S�t)�', hereunco subscribed my neme officielly. end aFfixed the seal o( the seid County, et �.
� :\,� . , � , . ..
. ...._...���Iax.S�.�....ti�,7..S.C.QI1.S.1Xlin said Coanry oL.....S.1ki1!e.�............._.....................,
. ' l '
�j.: . � ' : chia........7�r.Y.l.....................dey oC......F..�.b..I:l,1t7,Sy......................� in the year o( our Lord, �
;''. � . � �: ; m�e t}wusend nirc hundrcd end.S.�'.V.2S1�y....ti.11T.��................... ��.
7 DONE IN PRESENCE OF /„�..J -� '... L '..:...� . �l.'� �
. t�,�.1 �; , ��' : , `rl�:.^::..1... ...................._.......... ....._ .
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1c ,���. �,.. � cC::(�-�+. �`ames A. Ham"6��"in
. .: 1 ' `,� Y�i`: �3C �"�1 e- —_s_._...___—. i. � le �
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, `� C�/p �.�����''c�"" � ,,._:�County C rk�...............................5.&k15f.SS.................C.amty, Wisconsin.
..........................._............-----..........
' ...... �T.-L`1Y!'...It'C7TL-"� .
/-STATE OF WiSCONSIN, � �,;
....... ..�ati:tY..e.F.......................co��,.. � a, a,;s...........7.i�kz...................a�Y of..F..E.O.l'.11.�.]�..................................A. D. 19...�T..3..,
personelly came beforc me the ebove ramed......_.....---'-'--......_�c7,f7.1�'.S._A......L�Sllk11'1I1............._......................................---'.................__--" �.
co me known to be che person who exccuted the (oregoing Dced o( Convevence, and co be che CountY Cluk of the County o! �
....._.....5�4?f.�.l:....................................in seid State.and affixcd the scal o(the said County thercto,and eckrwwledged thec he aflixed seid seal ,
to and exccu[ed seid DeCd as County Gerk in end for seid Councy and State, for and in the neme o( the 5[ace o[ Wisconsin and of che �
Counry oC....:.....:..i.1.ti 11��.1'....:....--"'-"-"--.._..a(orcseid, erd acknawledBed thet he so exauted the seme aa the ect and deed o(said State �
� end County,�for the uus ard �urpos�s in said Dted rtuncioncd, end es by lea nquired.
; : _ �� .., /� y� /' y�. . .
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'''� '•. , (Sral) .� .� Notery Public,.......S2.I�l.2T........................._..County� Wiscoruin. .
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f.E� �., ` ' � MyCommiuionExpiro.__....._.�22.r.C.}1....�............_....._....19..7j....
� ROBERT W, BERGUM p
� WISCONSIN CEflTIFIED GENEHRL APPRRISER � ,
P.O. BOX 247 HHYWRRD, WI 54643 715-634-4737
October S, 1998
Mr. Nate Yoder
Hayward, WI 54843
Dear Nate:
As per your request, I have made an appraisal of the lake home owned
by Shirley Bradley on Lake Lac Courte Oreilles in the Township of
Sand Lake here in Sawyer County and have the following to report.
In my opinion, the market value of this dwelling on October 6, 1998
is $90,000. This value represents the value on the dwelling only
and does not include the land value. The completed report is attached.
Should there be any questions on any of the items, please feel free
to contact me.
Sincerely yours,
> >
' �'y L s �
� ;��=t. `e.
Robert W. Bergum
RWB/pac
Enc1.
�
HAYWARD LAKES REALTY
Pro B�Y oes�� t;o� UNIFORM RESIDENTIAL APPRAISAL REPORT file No. BRA10698
�>':< P�opertyAddress 7025N WISMO LANE City STONE LAKE State W� ZipCode 54821
i:>:: �_egal Description pT . GOVT . LOT 1 SEC . 2 TWP . 39 NORTH RANGE 9 WEST County SAWYER �
y:' Assessor's Parcel No. 26-939-0�-5202 Tax Yecr 1997 RE. Taxes $ 10 , 548 Special Assessments $ NONE
� Borrower N/q Current Owner SH I RLEY BRADLEY Occu ant:
�., p }( Owner Tenant Vacont
;j ' Property rights appraised }{ Fee Simple Leasehold Project Type PUD Condominium (HUD/VA only) HOA$ /Mo.
'E'� Nei hborhood/Pro ect Name N�/� Map Reference 1 13
� g j 2-3g—g Census Tract
`�:�:; SalePrire$ N�,q Date of Sale N�p Description ond $ amount of loan charges/concessions to be paid by seller N�A
`::: Lender/Client NATE YODER Address HAYWARD , W[
''"::: Appraiser ROBERT W . BERGUM Address P . 0 . BOX 247 HAYWARD W I . 54843
< Location ❑ Urban ❑ Suburban ❑X Rural Predominant Single family housing Prosent land use x Land use change
Built u X Over 75� � oeeupaney RICE AGE
p ❑ ❑ "5-75q � Under 25% �(000) (yrs) One family 1�� X� Not likely ❑ L kely
Growth rate � Rapid ❑X Stable ❑ Slow ❑X Owner 5 Low 5 2-4 family ❑ In process
� Property value� Increasing ❑ Stable ❑ Dedining ❑Tenont 7rJ Hi h rJ� Moiti—family To:
De-mand/supply� Shortage ❑X In balance � Over supply OX Vacant (0-5q) Predominant Commercial
�: Marketin time Under 3 mos. X 3-6 mos. Over 6 mos. Vacant(over5% 125 25
� '�ote: Race and the racial composition of the neighborhood are not appraisal factors.
N:' �veighborhood boundries and choracteristics: THE NE I GHBORHOOD I NCLUDES THE LAKE HOIv�S AND COTTAGES ON THE SOUTH
�';�
;;�;;. SIDE OF LAKE COUDERAY WITH ACCESS OFF FROM VICTORY HEIGHTS DRIVE .
`�' Factors that affect the marketability of the properties in the neighborhood (proximity to employment and amenities, employment stability, appeal to market, etc.):
�E:'
[3::� THE SUBJECT IS LOCATED ON LAKE COUDERAY WHICH IS THE LARGEST CLEAR—WATER LAKE IN THE THE AREA
� CONTAINING 5 038 ACRES OF WATER WITH A MAXIMUM DEPTH OF 90 ' THERE IS LIMITED SHOPPING IN
'R: —
�: STONE LAKE WHICH IS 7 MILES AWAY WITH MOST OF THE SHOPPING BEING DONE IN HAYWARD WHICH [ S 13
o::
;:p:; MILES . THE SUBJECT IS PART OF THE WISMO CLUB WHICH IS A PRIVATE CLUB THAT SHARES IN THE
a, OWNERSHIP OF ALL OF THE PROPERTY . —
<z Market conditions in the subject neighborhood (induding support for the above condusions related to the trend of property values, demand/supply, ond marketing time
-- such as dota on competitive properties for sale In the neighborhood, ciescription of the prevalence of sales and financing concessions, etc):
>: MORTGAGE MONEY AND THE PREVAILING LOWER INTEREST RATES .
i�?'
Project Information for PUDs Qf applicable) - - Is the developer/builder in control of the Home Owners' Association (HOA)? ❑ Yes ❑ No
�: Approximate total number of units in the subject project Approximate `otal number of units for sole in the subject project
'�: Describe common elements and recreationol facilities:
": Dimensions PEN I NSULA Topography SLOPE TO LAKE
��::: Site area 8 . 85 ACRES Corner Lot � Yes ❑ No Size 8 . 85 ACRES _
; Specific zoning dassification and descript�o� RR-1 RES I DENT I AL—RECREAT I ONAL Shape PEN I NSULA
Zoning compliance ❑X Legal ❑ Legal nonconforming (Grandfathered use) ❑ Illegal ❑ No zoning Drainage ADEQUATE
Highest&best use as improved:� Present use ❑ Other use (explain� View LAKE
�: Utilities Public Other Off—site Im rovements T e Public Private Landscaping LAWN—MATURE TREES
�' Electricity ❑X Street NON—PAVED ❑ ❑X Driveway Surface NON—PAVED
�:::
;�';i Gcs ❑ L . P AVA I L . Curb/gutter NONE ❑ ❑ Apparent easements DR I VE—UT I L I TY
>: Water ❑ WELL Sidewalk NONE ❑ ❑ FEMA Special Flood Hozard ❑ Yes ❑X I�.o
� Sanitary sewer ❑ sEPT 1 C Street lights N�NE ❑ ❑ FEMA Zone Map Date
Storm sewer NONE Alle NONE FEMA Ma No.
<:: Comments (apparent odverse easements, encroachments, special assessments, slide areas, illegal or legal nenconforming zoning, use, etc.): THERE ARE NO
FACTORS THAT HAVE A NEGATIVE AFFECT ON THIS PROPERTY .
' ' GENERAL DESCRIPTION EXTERIOR DESCRIPTION FOUNDATION BASEMENT INSULA?ION
>::: No. of Units ONE Foundation PRD CONCRETE Slab -- Area SC.Ft. 308 Roof C�
>p� No. uf Stories TWO Exterior Walls WOOD Crawl Space 8270 � Finished UNF I N . Ceiling ❑
E:::
;�; Type (Det./Att.) DETACHE Roof Surfoce ASPH . SHNG . Basement 18� Ceiling UNF I N . Walls ❑
''E�� Design (Style) 2 STY . Gutters & Dwnspts. NONE Sump Pump NONE Walls PRD CONCRETE Floor ❑
'�;
<'1> Existing/Proposed EX I ST I N Window Type DBL . HUNG Dompness NONE NOTED Floor CONCRETE None ❑
''F<
�<T; Age (Yrs.) 1926 Storm/Screens YES Settlement NONE NOTED Outside Entry YES Unknown �
1 : Effective Age (Yrs.) 45 Manufactured House NO Infestotion NONE NOTED
<�:
;�(; ROOMS Fo er Livin Dinin Kitchen Den Famii Rm. Rec.Rm. Bedrooms Boths Laund Other Area S .Ft.
aBasement 308
;F; �evel l 1 1 1 1 1 1 . 5 1 664
;�:' ���ei 2 4 2 1 440
M>
#�::
;�{; Finished area above qrade contains: 7 Rooms; 5 Bedroom s ; 3 . 50 Bath s ; 3 104 S uare Feet of Gross Livin Area
� SURFACES Materials/Condition HEATWG KITCHEN EQUIP. ATTIC AMENITIES CAR STORAGE:
;! E; Floors WOOD/AVG Type NONE Refrigerator ❑X None ❑ Fireplace(s) # 1 ❑X None X
'� Walls PLASTER/AVG Fuel NONE Range/Oven ❑ Stairs ❑ Patio ❑ Garage # of Cars
>f;:
�1; i rim/Finish WOOD/AVG Condition Disposal ❑ Drop Stair ❑ Deck ❑ Attached _
`Y' Bath Floor V I NYL/AVG COOLWG Dishwasher ❑ Scuttle XD Porch 5 X 10 ❑ Detached
��:
Bath Wainscot �TAL—PLAST I C Centrol NO Fan/Hood ❑ Floor ❑ Fence ❑ Built—In _
i:: Doors WOOD EXT/AVG Other NONE Microwave ❑ Heated ❑ Pool ❑ Carport _
RAI SED PANEL I NT/AVG Condition N�A Washer/D er Finished Drivewa AMPLE
�:�:� Additional features (special energy efficient items, etc.): N�NE
�::
Q; Condition of the improvements, depreciation (physical, functional, and exteraal), repairs needed, a,uality of construction, remodeling/additions, etc.: THE
� SUBJECT IS AN OLDER 2—STORY WOOD FRAIvtE DWELLING CONSTRUCTED WITH AVERAGE TO GOOD QUALITY
<�>
€: BUILDING MATERIALS . THE DWELLING IS USED AS A SEASONAL DWELLING . THERE DOES NOT APPEAR TO BE
`� ANY MAJOR ITEMS IN NEED OF REPAIR AT THIS TIfv� .
i;:
$i Adverse environmental conditions (such as, but not limited to, hazc�dous wastes, toxic substances, etc.� present In the improve��ne�ts, on the site, or in the
;;; ;� immediate vicinity of the subject THERE ARE NO ADVERSE ENV I RONIv�NTAL COND I T I ONS OR EXTERNAL FACTORS
THAT AFFECT THE MARKETABILITY OF THE SUBJECT .
Freddie Mac Forrn 70(6-93) 4288 Page 1 of 2 Fannie Mae Form 1004 (6-93)
`
Valuation Section UNIFORM RESIDENTIAL APPRAISAL REPORT Fi�e No. BRA10698
�;i ESTIMATED SITE VALUE _$ N A Comments on Cost Appro�ch(such as,source of cost estimate,
':i EST!MATED REPRODUCTION COST—NEW-0F IMPROVEME�vT�: site value,square foot colcuiation and for HUD,VA and FmHA,the ,
�'Dwelling 1 ,664 sq.Ft.�$ 6� _$ 99,840 estimated remaining economic life of the property):
<Q:;
;S: 1440 Sq.Ft @$ 30 = 43,200 32 x 45 x 2 = 2,880
�` SCREEN PORCH = 10,000 14 x 16 x 1 = 224
I:A:�aroqz/carport Sq.Ft.�$ = Total : 3, 104_
'�'Total Estimated Cost New =$ 153,040 REPLACEIV�NT COST I S BASED ON LOCAL
'P:
�:'�ess Physical Functlonal Extemal CONSTRUCT I ON COSTS FOR THE HAYWARD AREA.
a'Dv rPc ation 68,000 I 0 I 0 =$ 68 000 DEPREC I AT I ON I S BASED ON THE AGE—L I FE
6i:: P - ' �
�_�'��::Depreciated Value of Improvements =$ 85,040 METHOD AND THE OBSERVED COND I T I ON OF THE
'�:"As—is"Value of Site Improvements =$ 4,000 I MPROVE�NTS.
INGICATED VALUE BY COST APPROACH =$ H!J,O4O
ITEM SUBJECT COMPARABLEN0.1 COMPARABLEN0.2 COMPARABLEN0.3
7025N WISMO LANE BREEZY PT. LANE SOUTH SHORE RD. ALLAN RD.
'<::::A.ddress STONE LAKE WI STONE LAKE WI . HAYWARD WI . HAl'WARD WI .
Prorimity to subject ;:.. . :;: 4 MI LES _ 9 MI LES 15 MI LES
; ........ ..
Sales Price $ N/A ;.:: $ 259,900 ; ; $ 160 000 ;; ,...:; ; $ 255 000
'::Price/Gross�iv.Area $ 0.00 � $ 179.99�': ; $ 88.89� ;: $ 123.91�
Data and/or I NSPECT I ON I NSPECT I ON � I NSPECT I ON I NSPECT I ON
<veriflcation Source REG. DEEDS APPRA I SAL F I LE REALTOR F I LE _ APPRA I SAL F I LE
'�'>VALUE ADJUSTMENTS -`-'R'���'��)"��! DESCRIPTION +(—)Adjustment DESCRIPTION +(—)Adjustment DESCRIPTION +(—)Adjustment
Sa�es or Financing �: CONV. F I NAN CONV. F I NAN CONV. F I NAN
�'Concessions
���.`:Date of Sale/Time � 11-97 8-97 9-98
:<:.; _�:.__------- --
«<::�ocation L. COUDERAY WH I TEF I SH L ROUND LAKE SP I DER LAKE
>::>:�easehold/Fee Simple FEE S I MPLE FEE S I MPLE FEE S I MPLE FEE S I MPLE
> S�te 8.85 ACRES 100' FRTG — 95 000 150' FRTG —100,000 300' FRTG —125,000
<::View LAKE LAKE LAKE LAKE
�>Desig�a�d Appea� 2 STY/AVG CHALET/GOOD — 16 000 2 STY/I NF , + 5,000 2 STY/AVG
A::
L:;:4uality of Construction AVERAGE GOOD — 16 000 AVERAGE AVERAGE
'� aqe 45 EFF NEW — 54 000 55 EFF + 7 500 17 EFF — 35 000
5:
C Condition SEE EFF AGE SEE EFF AGE SEE EFF AGE SEE EFF AGE
O:Above Grade Total Bdrrns Baths Total Bdrms Baths, Totcl Bdrms Bcihs Total Bdrrns Baths
'�'Room Count 7 5 3.50 4 3 2 7 5 .7 6 3 2
I'::
;�4;:Gross�iving Area 3 104Sq.Ft. 1 ,444 Sq.Ft. + 25 000 1 800 Sq.Ft. + 19,500 2 058 Sq.Ft. + 15 OCiO
'�'Basement&Finished 18�—UNF I N 100� — 4,000 20�—UNF I N 100�'—UNF I N � — 4,000
l::i:
S:Rooms 3elow Grade STORAGE STORAGE STORAGE STORAGE I
Q'Functional uti�ity AVERAGE AVERAGE AVERAGE AVERAGE
�i:
':Heating/Cooling NONE H.W./NONE — 2 000 F.A./NONE — 2 000 F.A. C.A. — 2 5C0
;A;:
�: Energy Efficient Items NONE TYP I CAL E.E — 1 000 NONE _ TYP I CAL E.E — 1 ,000
>�!�a�o9e/corport NONE NONE NONE 2 CAR DET. — 9 500
<:E;:"--
;�;:Porc��,Patio,Deck, S. PORCH DECK S. PORCH S. PORCH
'�<,r�rep�oce(s),etc. 1 F I REPLACE 1 F I REPLACE 1 F I REPLACE 2 WD HEATER + 1 500
�::
�>Fence Pool etc. NONE NONE NONE G. ROOM—GAR — 5 000
I
Net Ady(totaQ + X — $� 163 000 + X — $ 70 000 + X — $ 165 500
;.i:Ad;usted Sales Price Mbt M:' M�t �t:: MeY : M:
<of Comparabie �ress �s,:; $ 96,900 �rass : �c $ 90 000 �rQss !a�:; $ 89 500
'�:::Comments on Sales Comparison(induding the sobject N � e�t,v's�omoatibility to the nelghbomou� �tc;��: THE LAND VALUE AND ALL
I IvfPROVEIv�NTS OTHER THAT THE MA I N DWELL I NG WAS ABSTRACTED FROM EACH COIv�ARABLE SALE. THE
ADJUSTED VALUE REPRESENTS THE VALUE ON THE DWELLING ONLY. MOST WE[GHT WAS GIVEN TO COMP 2 AS
THIS WAS MOST SIMILAR IN STYLE DESIGN CONDITION AND AGE AND HAD THE LOWEST NET ADJUSTIv�NT.
COMPS 2 AND 3 GAVE GOOD SUPPORT TO THE FINAL VALUE ESTIMATE.
ITEM SUBJECT COMPARA6�EN0.1 COMPARABLEN0.2 COMPARABLEN0.3
>Date,Price and Data NONE I N PAST NONE I N PAST YEAR NONE I N PAST YEAR NONE I N PAST YEAR
>i::<S�urce for prior sales YEAR REG DEEDS REG DEEDS REG DEEDS
;:;:;:;:within ear of a raisal REG DEEDS
�:'s;:Analysis of any current agreement of sale,option,or listing of the subject property and analysis of any prior saies of subject and eoro�rables within one year of the date of appraisa:
THERE IS NO SALE OPTION OR LISTING ON THE SUBJECT PROPERTY. THERE HAVE NOT BEEN ANY PRIOR
»
SALES WITHIN THE LAST YEAR OF THE COMPARABLES.
;:;; INDICATED VALUE BY SALES COMPARISON APPROACH . . . . .. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $ 9O,O00
INDICATED VALUE BY INCOME APPROACH(If applicable)Estimated Market Rent$ N/A /Mo.x Gross Rent Multipler N/A=$ N�A
>::: This appraisal is made }� "as is" subject to the repairs,alterations,inspections or conditions listed below subject to completion per plans and specificatic�s.
'<:: Conditions of Appraisol: TH I S REPORT I S A "SUIvIlvlARY APPRA[SAL REPORT" OF A COMPLETE APPRA I SAL AS DEF I NED B
� THE LATEST USPAP REVISIONS. NO PERSONAL PROPERTY IS INCLUDED IN THIS ESTIMATE.
;�;Final P,econciliation: THE I NCOfv� APPROACH WAS NOT USED DUE TO A LACK OF COMPARABLE RENTAL SALES DATA.
� PRIMARY RELIANCE WAS GIVEN TO THE SALES COMF'ARISON APPROACH. THE COST APPROACH DOES PROVIDE
0::
�i;: GOOD SUPPORT.
��'The purpose of this appralsal is to estimote the market value of the real property that is the subject of this report,bosed on the above conditions and the certification,contingen`
E:>
>:1:`�!_�nd limiting cond�tions,and market value definition that are stated in the attached Freddie Mac Forrn 439�Fannie Mae Form 1004B(Revised 6-93 ).
� I(WE)ESTIMATE THE MARKET VALUE,AS DEFINED OF THE REAL PROPERTY THAT IS THE SUBJECT OF THIS REPORT,AS OF OCTOBER 6, 1998
ii:
T;(WHICH IS THE DATE OF INSPECTION AND THE EFFECTIVE DATE OF THIS REPORT)TO BE$. 90,OOO
�APPRAISER � � SUPERVISORY APPRAISER
#1<SI,NATURE �—t����- ��, .-/t � �----, (If applicable)
_ _ ,� SIGNATURE �Did �Did Not
'::'::NAME ROBERT W. BERGUM�' NAME Inspect Property
':DATE REPORT SIGNED OCTOBER 8, 1998 DATE REPORT SIGNED
�:>::�:STATE CERTIFICATION#445 STATE W I STATE CERTIFICATION# STATE
�';�'::OR STATE LICENSE STATE OR STATE LICENSE STATE
Freddie Mac Form 70 6-93 4288 PAGE 2 of 2 Fannie Mae Form 1004(6-93)
HAYWARD LAKES REALTY
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DEFINITION OF MARKET VALUE:The mos[probable price which a property should bring in a competitive and �
open market ander all conditions requisite to a fair sale,the buyer and seller,each acting prudently,knowledgeably
and assuming the price is not affected by undue stimulus. Implicit in this definition is the consummation of a sale
as oC a specified date and the passing of title from seller to buyer under conditions whereby:(I)buyer and seller
are typically motivated;(2)both parties are well informed or well advised,and each acting in what he considers his
own best interest;(3)a reasonable time is allowed for exposure in the open market;(4)payment is made in terms
of cash in U.S.dollars or in terms of financial arrangements comparable thereto;and (5)the price�epresents the
normal consideration for the property sold unaf(ec[ed by special or creative financing or sales concessions*granted
by anyone associated with the sale.
*Adjustments to the comparables must be made for special or creative financing or sales concessions.No adjustments
are necessary for those costs which are normally paid by sellers as a result of tradition or law in a market area;
these cos[s are readily identifiable since the seller pays [hese costs in virtually all sales transactions. Special or
creative financing adjus[ments can be made to the comparable property by comparisons to financing terms of(ered
by a Ihird party institutional lender that is not already involved in the properry or transac[ion. Any adjustment
should not be calculated on a mechanical dollar (or dollar wst of the fnancing or concession but the dollar
amount of any adjustment should approximate the markePs reaction to the financing or concessions based on the
appraiser's judgment.
STATEMENT OF LIMITING CONDITIONS AND APPRAISER'S CERTIFICATION
CONTINGENT AND LIMITWG CONDIiIONS:The appraiser's certification that appears in the appraisal report
is subject to the following conditions:
L The appraiser will no[be responsible for matters of a legal nalure that affect either[he property being appraised
or [he title to it. The appraiser assumes that the title is good and marketable and, therefore, will not render any
opinions about the title.The property is appraised on [he basis of it being under responsible ownership.
2.The appraiser has provided a sketch in the appraisal report to show approximate dimensions o(the improvements
and Ihe sketch is included only to assist [he reader of the report in visualizing the property and understanding the
appraiser's determination of its size.
3.The appraiser has examined the available flood maps that are provided by the Federal Emergency Management
Agency (or other data sources) and has noted in the appraisal report whether the subject site is located in an
identified Special Flood Hazard Area. Because the appraiser is not a surveyor, he or she makes no guarantees.
express or implied,regarding this de[ermina[ion.
4.The appraiser will no[give testimony or appear in court because he or she made an appraisal of the property in
question,unless specific arrangements to do so have been made beforehand.
5. The appraiser has estimated the value of the land in the cost approach at its highest and best use and the
improvements a[ their contributory value. These separa[e valua[ions of [he land and improvements mus[ no[ be
used in conjunction with any other appraisal and are invalid if they are so used.
6.The appraiser has noted in the appraisal report any adverse conditions(such as,needed repairs,depreciation,the
presence of hazardous wastes,toxic substances,etc.)observed during the inspection of the subject property or Ihat
he or she became aware of during the normal research imolved in performing the appraisal.Unless otherwise stated
in the appraisal report,the appraiser has no knowledge of any hidden or unapparent conditions of the property or
adverse environmental conditions (including the presence of hazardous wastes, toxic substances, etc.) that would
make the property more or less valuable, and has assumed tha[ there are no such conditions and makes no
guarantees or warranties, express or implied, regarding the condition of the property. The appraiser will not be
responsible for any such conditions that do exist or for any engineering or testing that might be required to discover
whether such conditions exist. Because the appraiser is not an expert in the field of environmental hazards, [he
appraisal report must not be considered as an emironmen[al assessment o(the property.
Z The appraiser obtained the information,estimates,and opinions that were expressed in the appraisal report from
sourees that he or she considers to be reliable and believes them to be true and correct. The appraiser does not
assume responsibility Cor the accuracy of such items that were furnished by other parties.
8. The appraiser will not disclose the contents of [he appraisal report except as provided for in [he Uni(orm
Standards of Professional Appraisal Practice.
9.The appraiser has based his or her appraisal report and valuation conclusion for an appraisal that is subject to
satisfactory completion, repairs, or alterations on the assumption that completion of the improvements will be
performed in a workmanlike manner.
10.The appraiser must provide his or her prior written consent before the lender/client specified in the appraisal
report can distribu[e the appraisal report (including conclusions about the property value, the appraiser's identity
and professional designations,and references to any professional appraisal organizations or the firm with which the
appraiser is associated)to anyone other than the borrower;[he mortgagee or its successors and assigns;the mortgage
insurer,consultants;pwfessional appraisal organiza[ions;any state or federally approved financial institution;or any
department,agency, or instrumentaliry of the United States or any state or the District of Columbia; except that
[he]ender/client may dis[ribute the property description section of the report onty to data collection or repoRing
service(s) without having to obtain the appraiser's prior written consent. The appraiser's written consent and
approval must also be obtained before the appraisal can be comeyed by xnyone to the public [hrough advertising,
public relations,news,sales,or other media.
Freddie Mac Form 439 6-93 Page I of 2 Fannie Mae Form 1004B 6-93
Fams&Wortna Inc.,315 Whimey Avrnue,New Hrven,CT 065ll 1(&)0)243-4545 Item MI15820
APPRAISER'S CERTIFICATION: The Appraiser certifies and agrees that:
l. I have researched the subject market area and have selected a minimum of three recent sales of properties most
similar and proximate to the subject property for consideration in the sales comparison analysis and have made a
dollar adjustment when appropriate to retlect [he market reaction to those items of significant variation. If a
significant item in a wmparable property is superior to, or more favorable than, Ihe subject property, I have made
a negative adjustment [o reduce the adjusted sales price of the comparable and, if a significant item in a comparable
property is inferior to, or less favorable than the subject property, I have made a positive adjustment to increase the
adjusted sales price of the comparable.
2. I have taken in[o consideration the factors that have an impact on value in my development of the estimate of
market value in the appraisal report. I have not knowingly wi[hheld any significant information from the appraisal
report and 1 believe, to the best of my knowledge, that all statements and information in the appraisal report are
true and correct.
3. 1 stated in the appraisal repor[ onty my own personal, unbiased, and professional analysis, opinions, and
conclusions, which are subject onty to the contingent and limiting conditions specified in this form.
4. 1 have no present or prospective interest in the property that is the subject to this report, and 1 have no present
or prospective persona] interest or bias with respect [o [he participants in [he transaction. I did not base, either
partialty or completely, my analysis and/or the estimate of market value in the appraisal report on the race, color,
religion, sex, handicap, familial status, or national origin of either the prospective owners or occupants of the subject
property or of [he present owners or occupants of [he properties in the vicinity of the subject property.
5. I have no present or contemplated future interest in the subject property, and neither my current or future
employmen[ nor my compensation for performing this appraisal is contingent on the appraised value of [he property.
6. I was not required to report a predetermined value or direction in value [ha[ favors the cause of the client or
any related party, the amount of the value estimate, the attainment of a specific result, or ffie occurrence o( a
subsequent event in order to receive my compensation and/or employment for performing Ihe appraisal. I did not
base the appraisal report on a requested minimum valuation, a specific valuation, or the need to approve a specific
moRgage loan.
7. I performed this appraisal in conformity with the Uniform Standards of Professional Appraisal Practice that were
adopted and promulgated by [he Appraisal Sta�dards Board of The Appraisal Founda[ion and that were in place as
of the effective date of this appraisal, with the exception of the departure provision of those Standards, which does
not appty. I acknowledge that an estimate of a reasonable [ime for exposure in the open marke[ is a condition in
the definition of market value and the estimate I developed is consistent with the marketing time noted in [he
neighborhood section of this report, unless I have o[herwise stated in the reconciliation section.
S. I have personally inspected the interior and exterior areas of [he subject property and the exterior of all properties
listed as comparables in the appraisal report. I further certify that I have noted any apparent or known adverse
conditions in the subject improvements, on [he subject site, or on any site within the immediate vicinity of the
subject property of which [ am aware and have made adjustments for [hese adverse conditions in my analysis of
the property value to the extent that I had market evidence to support them. I have also commented about the
effect of [he adverse conditions on [he marketability of the subject property.
9. I personally prepared all conclusions and opinions about the real estate that were set forth in the appraisal report.
If I relied on significant professional assis[ance from any individua] or individuals in the performance of the
appraisal or the preparation of the appraisal report, I have named such individual(s) and disclosed the specific tasks
performed by them in the reconciliation section of this appraisal report. I certify that any individual so named is
qualified to perform the tasks. I have not authorized anyone to make a change to any item in the report; there(ore,
if an unauthorized change is made to the appraisal report, I will take no responsiblity for it.
SUPERVISORY APPRAISER'S CERTIFICATION: If a supervisory appraiser signed the appraisal report, he or she
certifies and agrees that: I directty supervise the appraiser who prepared the appraisal report, have reviewed Ihe appraisal
report, agree with the statemenu and conclusions of the appraiser, agree to be bound by the appraiser's certifications
numbered 4 [hrough 7 above, and am taking full responsibility for the appraisal and the appraisal report.
ADDRESS OF PROPERTY APPRAISED: _ �G .:'S lV L✓ s.n �� L ,� �, S�o �e c, r; ...�
APPRAISER: SUPERV[SORY APPRAISER (only if required):
� � �
Signature: �.��� �� '- 1��` Signature:
Name: /i a � ��- ' �-✓ 4,� e - � u --- Name:
Date Signed: � ° � f " � �' Date Signed:
State Certification�: �/�/ s State Certification#:
or State License�: or State License#:
State: `�'�� State:
Expiration Date of Certification or License: �1 "�'" yy Expiration Date of Certification or License:
❑ Did ❑Did Not Inspect Property
Freddie Mac Form 439 6-93 Page 2 of 2 Fannie Mae Form 1004B 6-93 •
Fortns&Worm�Inc.,315 Whitney Avrnue,New Haven,CI'06511 1(800)243-0545 Ikm NI15820
QUALIFICATIONS OF ROBERT W. BERGUM
� WISCOM3IN CERTIFIED GENERAI,APPRAISER
EDUCATION:
GRADUATE - Hayward High School, Hayward, Wisconsin
B.S. - Wisconsin State University, Superior, Wisconsin
M.E. - Wisconsin State University, Superior, Wisconsin
REAL ESTATE APPRAISER EDUCATION•
AN INTRODUCTION TO APPRAISING REAL PROPERTY
University of Wisconsin, Rice Lake, Wisconsin
Successfully Completed Examination
PROFESSIONAL PRACTICE
Society of Real Estate Appraise:s, Madison, Wisrnnsin
Successfully Completed Examination
COMMERCIAL INCOME APPROACH TO APPRAISAL
Chippewa Valley Technical College, Eau Claire, Wisconsin
Successfully Completed Examination
APPLIED RESIDENTIAL PROPERTY EVALUATION
Appraisal Institute, Madison, Wisconsin
Successfully Completed Examination
CONTINUING EDUCATION COURSES•
APPRAISING MANUFACTURED HOMES
Wisconsin Indianhead Technical College, Rice Lake, Wisconsin
APPRAISING LAKE AND SEASONAL PROPERITIES
Wisconsin Indianhead Technical College, Rice Lake, Wisconsin
HOW TO PREPARE THE NEW URAR
Pro-Source Educational Services, St. Paul, Minnesota
APPRAISING SMALL INCOME PRODUCING PROPERTIES
Wisrnnsin Realto:s Association, Madison, Wisconsin
APPRAISING UNUSUAL AND UNIQUE PROPERTIES
Wisconsin Realtors Association, Madison, Wisconsin
ENVIRONMENTAL CONSIDERATIONS
Wisconsin Realto:s Assodation, Madison, Wisconsin
INVESTMENT PROPERTY APPRAISAL
Pro-Source Educational Services, St. Paul, Minnesota
EXPERIENCE:
REAL ESTATE APPRAISER - 25 Years of experience including
residential property, lake homes and cottages, vacant land,
commerdal property and condominiums
REAL ESTATE BROKER - 25 Years as a Wisconsin State Licensed
Real Estate Broker including listing and selling all types
of property in the Hayward area. Also the development of
vacant land and lakeshore property.
PROFESSIONAL MEMBERSHIPS•
WISCON3IN CERTIFIED GENERAL APPRAISER
GRI - GRADUATE REALTORS INSTITUTE
CRS - CERTIFIED RESIDENTIAL SPECIALIST
MEMBER - NATIONAL ASSOCIATION OF REALTORS
MEMBER - WISCONSIN REALTORS ASSOCIATION - APPRAISAL SECTION
LICENSES:
WISCONSIN STATE CERTIFIED GENERAL APPRAISER �i445
WISCONSIN STATE REAL ESTATE BROKER LICENSE #20