HOP1992-00184 gent+ A-
•
TYPE II
„n ,, ��u Il;
HOME OCCUPATION if IA
• NOTICE OF DECISION CITY OF TIGARD
OREGON
This is to notify property owners within -
250 feet, that the below named person(s)
have been approved for a Home Occupation Permit.
Business Name: Safe & Sound Massage File No.: HOP 92 -0184
Name of Applicant: Lloyd E. Sell
Property Address: 11409 SW Ironwood Loop
Tax Map: 1S1 34AC Lot No.: 1300
Zone: R -4.5 EFFECTIVE DATE: L CJOA4 " t � c1 1912
Nature of Business: Massage
Notice is hereby given that the Planning Director's Designee for the City of
Tigard has APPROVED this Home Occupation. No business activity shall begin until
after the appeal period has expired.
This Home Occupation is subject to the following conditions:
1)' Home occupations may be undertaken only by the principal occupant (s) of
a residential property;
2) There shall be no more than three deliveries per week to the residence by
suppliers;
3) There shall be no offensive noise, vibration, smoke, dust, odors, heat or
glare noticeable at or beyond the property line resulting from the
operation. Home occupations shall observe the provisions of TDC Chapter
18.090 (Environmental Performance Standards);
4) The home occupation shall be operated entirely within the dwelling unit
and a conforming accessory structure. The total area which may be used in
the accessory building for either material product storage and /or the
business activity shall not exceed 528 square feet. Otherwise, the home
occupation and associated storage of materials and products shall not
occupy more than 25 percent of the combined residence and accessory
structure gross floor area. The indoor storage of materials or products
shall not exceed the limitations imposed by the provisions of the
building,fire,health and housing codes;
5) A home occupation shall not make necessary a change in the Uniform
Building Code use classification of a dwelling units. Any accessory
building that is used must meet Uniform Building Code requirements and be
in conformance with TDC Chapter 18.144 of this title;
6) More than one business activity constituting two or more home occupations
shall be allowed on one property only if the combined floor space of the
- business activities does not exceed 25 percent of the combined gross floor
area of the residence and accessory structure. Each home occupation shall
apply for a separate home occupation permit.
13125 SW Hall Blvd., P.O. Box 23397, Tigard, Oregon 97223 (503) 639 -4171
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7) There shall be no storage and /or distribution of toxic or flammable
materials, and spray painting or spray finishing operations that involve
toxic or flammable material which in the judgement of the Fire Marshall
pose a dangerous risk to the residence, its occupants, and /or surrounding
properties. Those individuals which are engaged in home occupations shall
make available to the fire marshall for review the Material Safety Data
Sheets which pertain to all potentially toxic and/or flammable materials
associated with the use;
8) No home occupation shall require any on or off - street parking other than .
that normally required for a residence;
9) The following uses are not allowed as home occupations:
a) Auto - body repair and painting
b) Ongoing mechanical repair conducted outside of an entirely
enclosed building
c) Junk and salvage operations
•
d) Storage and /or sale of fireworks
10) There shall be no-exterior storage of vehicles of any kind used for the
business except one commercially licensed vehicle of not more than three -
quarters ton GVW which may be parked outside of a structure or screened
area.
Type II home occupations allow the following according to TDC Chapter 18.142.050:
a) One non-illuminated sign, not exceeding 1.5 square feet, which shall
be attached to the residence or accessory structure or placed in a
window;
b) No more than one outside volunteer or employee who is not a
principal resident of the premises;
c) No more than six daily customers or clients. Customers and clients
may not visit the business between the hours of 10:00 p.m. and 8:00
a.m. and shall not generate excessive traffic or monoploize on-
street parking
d) Storage of materials, goods, and equipment which is screened
entirely from view by a solid fence. Storage shall not exceed five
percent of the total lot area and shall not occur within the front
yard or the required side yard setback;
If any of the preceding conditions are not met, this Home Occupation Permit will
be immediately invalidated.
Notice was posted at City Hall and mailed to:
XX The applicant and owners.
XX Owners of record within the required distance
XX The affected Neighborhood Planning Organization
XX Affected governmental agencies
THE DECISION SHALL BE FINAL ON IZ - C I - qL , UNLESS AN APPEAL IS FILED.
Any party to the decision may appeal this decision in accordance with Section
18.32.370 of the Community Development Code which provides that a written appeal
must be filed with the CITY RECORDER within 10 days after notice is given and
sent.
• •
The deadline for filing of an appeal is 3:30 PM 12- q c 1 2 —
If you have any questions, please call the City of Tigard Planning Department,
Tigard City Hall, 13125 SW Hall Blvd., PO Box 23397, Tigard, Oregon 97223, 639-
4171.
PREPARED BY: Victor Adonri, Assistant Planner DATE
C , 2 -e -mac // -� Z
Richard Bewersdorff, Se r Planner DATE APPROVED
bkm /HOP92184
• •
City of Tigard, Oregon
akA
A itla
FOR STAFF USE ONLY
HOME OCCUPATION APPLICATION CASE NO. ?„2 — O / ? Y'
CITY OF TIGARD, 13125 SW Hall, PO Box 23397 OTHER CASE NO'S: /Old'
Tigard, Oregon 97223 - (503) 639 -4171 RECEIPT NO. ? - .335a 7
APPLICATION ACCEPTED BY: ✓ —
DATE: 1!- G S - 72-
1. GENERAL INFORMATION Application elements submitted:
PROPERTY ADDRESS/LOCATION //505 54/ ,z'rar,waoc�.1/7 ✓ (A) Application form (1)
T/ rend/ 9 7 Z3 • (B) Owner's signature/written
TAX MAP AND TAX LOT NO. / S / 3 S1- -/ 300 authorization
/ (C) Title transfer instrument (1)
SITE SIZE ;�'rr��hYJ �% /vox's (8,, ooS9A7) L- (D) Plot plan (1 copy)
PROPERTY OWNER/DEED HOLDER* X /®yc/ f', Se.././ (E) Applicant's statement (1 copy)
ADDRESS J /5 Sw .zy,crwoodA, PHONE 6.4 - 3Z61 t, (F) Filing Fee $10 - Type I
CITY / spetr9 091; ZIP 97223 L / Filing Fee $50 - Type II
APPLICANT` L / 6 / ESe // 114- g .
ADDRESS 11109 Sk)7 Mp PHONE 420 -,72/0,. V
CITY /L ,012 ZIP .9 DATE DETERMINED TO BE COMPLETE:
BUSINESS NAME Sae-.
When the owner and the applicant are different people, the
applicant must be the purchaser of record or a lessee in FINAL DECISION DEADLINE:
possession with written authorization from the owner -or an
agent of the owner with written authorization. The owner(s)
must sign this application in the space provided on page two COMP. PLAN/ZONE DESIGNATION:
or submit a written authorization with this application.
lao , %
2. PROPOSAL SUMMARY 7
The owners of record of the subject property N.P.O. Number:
request approval of a home occ pation to 1
allow (be specific) c //e-n,2& 7�o c o-,n a 7'm
/#4 e. rmD�^ ,/tee ori4ec. .e-- Planning Director Approval Date:
a.. rn �ss�
Business Tax:
3. Specify whether you are using a detached building on
your property and give dimensions: Al/9-
n
t •
• • .
3. List any variance or other land use actions to be considered as part of this application:
4. Applicants: To have a complete application you will need to submit attachments
described below:
A. One application form with signature or written authorization
B. . One copy of the title transfer instrument (eg. deed)
C. One copy each of the attached question sheet and floor plan
D. Filing fee: Type 1 - $10 Type II - $50
5. THE APPLICANT(S) SHALL CERTIFY THAT:
A. The above request does not violate any deed restrictions that may be attached
to or imposed upon the subject property.
B. If the application is granted, the applicant will exercise .the rights granted in
accordance with the terms and subject to all the conditions andiimitations of '
the approval.
•
C. All of the above statements and the statements in the plot plan, attachments,
and exhibits transmitted herewith, are true; and the applicants so acknowledge .
that any permit issued, based on this application; may be revoked if it is found
that any such statements are false.
D. The applicant has read the entire contents of the application, including the
policies and criteria, and understands the requirements for approving 'or denying
the application. ,,// .
DATED this .9 day of iVo-ve-04- er , 19 9Z,
SIGNATURES of each owner (eg. husband and IN' of the subject property.
O ■ %/. •
•
Revised 11/21/91
•
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TO APPLY FOR A HOME OCCUPATION PERMIT, PLEASE ANSWER THE FOLLOWING
QUESTIONS:
1. Will you have any paid employees working in the home in conjunction with the
business who are not residents of the home?
2. Will you have customers/clients coming to your residence? If so, how many per day?
6
3. Will you have deliveries or pickups made of products or supplies to your residence? If
so, how many and what type?
N o
4. What will your hours and days of operation be?
Peiya f m e 8 •' om AA4 ,„ /0,-cm P/vl
5. Will the business generate any noise which can be heard outside of the structure?
A/c)
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6. How many square feet is your residence and how many square feet will be devoted to
the operation of your business, including storage areas?
220-o Sy AY iTe5 /C/el.LG ) Zoo S 7(7 8i13 �n �Ss
7. What vehicles will be associated with the b usiness that are garaged at the residence?
/ V a 0 4997 5 � /'L 'e 5S b e-A t Lies
8. Do you intend to store any materials, vehicles or products outdoors at the premises in
conjunction with the business?
A/C
9. Will you have any signs or advertising visible from the exterior of the premises?
AiO
10. Please show the floor layout of your house and the area to be used for your home
occupation on the attached graph paper. Please designate those areas which shall be
utilized 1) entirely for the home occupation and 2) partially for the home occupation.
Please designate the approximate dimensions of the rooms(s) to be used for the home
occupation.
See Al/adel
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December 3, 1992
Memo to the file
City of Tigard, Oregon
Home Occupation Permit
Safe & Sound Massage
File No. HOP 92 -0184
As stated at the December 2,1992 meeting with members ofNPV7 and the
neighbors present at the meeting I have agreed not to exercise my rights to display a sign as
is permitted by provisions for a Type 11 Home Occupation Permit, TDC Chapter
18.142.050. This is a voluntary act on my part and I was not required or coerced by the
City ofTigard to provide such a statement The sole purpose of this statement is to
reassure my neighbors that I have heard their concerns and offer this statement as a sincere
attempt to alleviate those concerns.
Lloyd E. Sell
11409 SW Ironwood Loop
Tigard, Or. 97223
December 3, 1992
Memo to the file
City of Tigard, Oregon
Home Occupation Permit
Safe & Sound Massage
File No. HOP 92 -0184
As stated at the December 2,1992 meeting with members ofNPV7 and the
neighbors present at the meeting I have agreed not to exercise my rights to display a sign as
is permitted by provisions for a Type 11 Home Occupation Permit, TDC Chapter
18.142.050. This is avoluntary act on my part and I was not required or coerced by the
City of Tigard to provide such a statement The sole purpose of this statement is to
reassume my neighbors that I have heard their concerns and offer this statement as a sincere
attempt to alleviate those concerns.
Lloyd E. Sell
11409 SW Ironwood Loop
Tigard, Or. 97223
Nandi and Mike Noyer Bruce and Joni George
11403 SW Ironwood 11397 SW Ironwood Loop
Tigard, OR 97223 Tigard, OR 97223
Holly Swanson Gary and Darlene Dick
11410 SW Ironwood Loop 11405 SW Ironwood Loop
Tigard, OR 97223 Tigard, OR 97223
Cheryl Lamont Ann Soule
11338 SW Cottonwood Lane 11314 SW Ironwood Loop
Tigard, OR 97223 Tigard, OR 97223
Ellie Lascink Betty Stewart
11304 SW Ironwood Loop 11309 SW Ironwood Loop
Tigard, OR 97223 Tigard, OR 97223
•
• •
. A
.T1;1
CITYOF TIGARD
WASHINGTON COU , OREGON —yDnWood
Taincora nur, 11403 Su) AJOyer
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CITYOF TIQARD
WASHINGTON COUNTY, OREGON
guT Ozi}t/ctAA-
Ilga 75 lei bv-
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411 IIP
AFFIDAVIT OF MAILING
STATE OF OREGON
County of Washington ) ss.
City of Tigard
•
I, `E c*'w e MU(k etirkk. being first duly sworn /affirm, on oath
depose and say: (Please print) ^ n�` /� ,_(,
•
That I am a' (04' (Zia_ . 7 S/56tA for
The City of Tigard, Oregon.
That I served NOTICE OF PUBLIC HEARING FOR:
P/ I served NOTICE OF DECISION FOR:
//City of Tigard Planning Director
Tigard Planning Commission
Tigard Hearings Officer
Tigard City Council
A copy (Public Hearing Notice /Notice of Decision) of which is attached (Marked
Exhibit "A ") was mailed to each named persons at the address shown on the
attached list marked exhibit "B" on the (t day of � JPMAJCQ.Y 19 ,
said notice NOTICE OF DECISION as here o att ched, was posted on an appropriate
bulletin board on the (G}- day of 01TP.Wt , 19/2- ; and deposited
in the United States Mail on the 1 day of �C(ivlb1t , 19
postage prepaid.
I
1
Prepared Notice
Subqccribed and sworn /affirm to me on the / day of l/ /
19 (-R.< •
t , `•,a • NOT PUBLIC OF OREGON
, . ,, ; { = My •mmission Expires:
c
. —
•
1S134AB -00100 411 1S134AB -00
HARRINGTON, THOMAS E GILBERT, DANIEL V AND
105 FREMONT AVE MARY P
SUITE B j 11302 SW IRONWOOD LP
LOS ALTOS CA 94022 TIGARD OR 97223
1S134AB -00300 1S134AB -00400
LASCINK, GARTH V AND RUBY E MILLER, EVA L
•
11304 SW IRONWOOD LP 1 11306 SW IRONWOOD LP.
•
1 TIGARD OR 97223 TIGARD OR 97223
1S134AB -02800 1 1S134AB -02900 •
STEWART, JAMES A AND BETTY 1 MCVEY, KRISTI ANN
11309 SW IRONWOOD LP % ERDMAN, ERIC
•
TIGARD OR 97223 14750 SW PEACHTREE
TIGARD OR 97223
•
1S134AB -03000 1S134AB -03100
CARTER, SKILER R MARY DEGUZMAN, GREGORIO B & YOLANDA M
11305 SW IRONWOOD LP 12510 SW GLACIER LILY CIRCLE
TIGARD OR 97223 TIGARD OR 97223
1S134AB -03201 j 1S134AB -03300 .
WILSON, MAUREEN O'SULLIVAN AND I ROBINSON, L
ROBERT C 1 10330 'OLLS FERRY RD
BY C&R MANAGEMENT TIGARD‹ OR 97223
1440 SW TAYLOR
PORTLAND OR 97205 - - --
1S134AC -00700 1S134AC- 00800.
DRAGOO, JOHN MARK CAMPBELL, DAVID L AND RAE A
11398 SW IRONWOOD LP 11402 SW IRONWOOD LP
TIGARD OR 97223 TIGARD OR . 97223
1S134AC -00900 1S134AC -01000
BAUMGARTNER, ROBERT P & SUSAN K 1 HUMPHREY, SALLY E
11404 SW IRONWOOD LP 11406 SW IRONWOOD LP
TIGARD OR 97223 1 TIGARD OR . 97223
1S134AC -01100 1S134AC -01200
LETT, GLENN F III & HOLLY R I SWANSON, KARL F & HOLLY R
11408 SW IRONWOOD LP 11410 SW IRONWOOD LP
TIGARD OR 97223 TIGARD OR 97223
•
1S134AC -01400 1S134AC -01500
DICK, GARY R NOYER, MICHAEL S AND
11405 SW IRONWOOD LP NANCI LYNN
TIGARD OR 97223 11403 SW IRONWOOD LP
TIGARD OR 97223
1S134AC -01600 1S134AC -01700
NELSON, ROBERT 0 SUSAN S GEORGE, BRUCE R AND JONI S
11399 SW IRONWOOD LP ! 11397 SW IRONWOOD LP
•
TIGARD OR 97223 TIGARD OR 97223
1S134AC -02601 •
TIGARD, CITY F
12420 SW N
TIGARD 0 97223 :
LLOYD SELL
11409 SW IRONWOOD LOOP
TIGARD OR 97223
CAL WOOLERY •
12356 SW 132ND CT
TIGARD OR 97223
•
•
1S134AB -00100 • 1S134AB -04110
HARRINGTON, THOMAS E GILBERT, DANIEL V AND
105 FREMONT AVE MARY P
SUITE B 11302 SW IRONWOOD LP
LOS ALTOS CA 94022 TIGARD OR 97223
1S134AB -00300 1S134AB -00400
LASCINK, GARTH V AND RUBY E MILLER, EVA L
11304 SW IRONWOOD LP 11306 SW IRONWOOD LP
TIGARD OR 97223 TIGARD OR 97223
1S134AB -02800 1S134AB -02900
STEWART, JAMES A AND BETTY MCVEY, KRISTI ANN
11309 SW IRONWOOD LP % ERDMAN, ERIC
TIGARD OR 97223 14750 SW PEACHTREE
TIGARD OR 97223
1S134AB -03000 1S134AB -03100
CARTER, SKILER R MARY DEGUZMAN, GREGORIO B & YOLANDA M
11305 SW IRONWOOD LP 12510 SW GLACIER LILY CIRCLE
TIGARD OR 97223 TIGARD OR 97223
1S134AB -03201 1S134AB -03300 i
WILSON , MAUREEN O' SULLIVAN AND ROBINSON C ! �: - -- R L
ROBERT C 10330 S %f OLLS FERRY RD
BY C &R MANAGEMENT TIGARD OR 97223
1440 SW TAYLOR
PORTLAND OR 97205
1S134AC -00700 1S134AC -00800
DRAGOO, JOHN MARK CAMPBELL, DAVID L AND RAE A
11398 SW IRONWOOD LP 11402 SW IRONWOOD LP
TIGARD OR 97223 TIGARD OR 97223
1S134AC -00900 1S134AC -01000
BAUMGARTNER, ROBERT P & SUSAN K HUMPHREY, SALLY E
11404 SW IRONWOOD LP 11406 SW IRONWOOD LP
TIGARD OR 97223 TIGARD OR 97223
1S134AC -01100 1S134AC -01200
LETT, GLENN F III & HOLLY R SWANSON, KARL F & HOLLY R
11408 SW IRONWOOD LP 11410 SW IRONWOOD LP
TIGARD OR 97223 TIGARD OR 97223
1S134AC -01400 1S134AC -01500
DICK, GARY R NOYER, MICHAEL S AND
11405 SW IRONWOOD LP NANCI LYNN
TIGARD OR 97223 11403 SW IRONWOOD LP
TIGARD OR 97223
1S134AC -01600 1S134AC -01700
NELSON, ROBERT 0 SUSAN S GEORGE, BRUCE R AND JONI S
11399 SW IRONWOOD LP 11397 SW IRONWOOD LP
TIGARD OR 97223 TIGARD OR 97223
• •
When Recorded Mail To:
First Union Mortgage Corporation
4800 South 188th Street, Suite 350
Seattle, Washington 98188
[Space Above This Line For Recording Data]
FUMC Loan No. 519887
DEED OF TRUST
THIS DEED OF TRUST ( "Security Instrument ") is made on OCTOBER 7, 1991. The grantor is LLOYD
E. SELL and ELNA E. SELL, HUSBAND AND WIFE ( "Borrower "). The trustee is FIRST AMERICAN
TITLE INSURANCE COMPANY OF OREGON ( "Trustee "). The beneficiary is FIRST UNION MORTGAGE
CORPORATION, which is organized and existing under the laws of NORTI•I CAROLINA, and whose address
is 4300 SIX FORKS ROAD, P.O. BOX 18109, RALEIGH, NORTH CAROLINA 27619 ( "Lender "). Borrower
owes Lender the principal sum of SIXTY -SIX THOUSAND NINE HUNDRED AND 00/ 100ths Dollars
(U. S. $66,900.00). This debt is evidenced by Borrower's note dated the same date as this Security Instrument
( "Note "), which provides for monthly payments, with the full debt, if not paid earlier, due and payable on
NOVEMBER 1, 2021. This Security Instrument secures to Lender: (a) the repayment of the debt evidenced by
the Note, with interest, and all renewals, extensions and modifications of the Note; (b) the payment of all other
sums, with interest, advanced under paragraph 7 to protect the security of this Security Instrument; and (c) the
performance of Borrower's covenants and agreements under this Security Instrument and the Note. For this
purpose, Borrower irrevocably grants and conveys to Trustee, in trust, with power of sale, the following
described property located in WASHINGTON County, Oregon:
LOT 41, ENGLEWOOD, IN THE CITY OF TIGARD, COUNTY OF WASHINGTON AND STATE
OF OREGON.
which has the address of 11409 S.W. IRONWOOD LOOP, TIGARD,
[Street] [City]
Oregon 97223 ( "Property Address ");
[Zip Code]
TOGETHER WITH all the improvements now or hereafter erected on the property, and all easements,
appurtenances, and fixtures now or hereafter a part of the property. All replacements and additions shall also be
covered by this Security Instrument. All of the foregoing is referred to in this Security Instrument as the
"Property."
BORROWER COVENANTS that Borrower is lawfully seised of the estate hereby conveyed and has the right
to grant and convey the Property and that the Property is unencumbered, except for encumbrances of record.
Borrower warrants and will defend generally the title to the Property against all claims and demands, subject to
any encumbrances of record.
THIS SECURITY INSTRUMENT combines uniform covenants for national use and non - uniform covenants
with limited variations by jurisdiction to constitute a uniform security instrument covering real property.
UNIFORM COVENANTS. Borrower and Lender covenant and agree as follows:
1. Payment of Principal and Interest; Prepayment and Late Charges. Borrower shall promptly pay when due
the principal of and interest on the debt evidenced by the Note and any prepayment and late charges due under
the Note.
2. Funds for Taxes and Insurance. Subject to applicable law or to a written waiver by Lender, Borrower
shall pay to Lender on the day monthly payments are due under the Note, until the Note is paid in full, a sum
( "Funds ") for: (a) yearly taxes and assessments which may attain priority over this Security Instrument as a lien
on the Property; (b) yearly leasehold payments or ground rents on the Property, if any; (c) yearly hazard or
property insurance premiums; (d) yearly flood insurance premiums, if any; (e) yearly mortgage insurance
premiums, if any; and (f) any sums payable by Borrower to Lender, in accordance with the provisions of
paragraph 8, in lieu of the payment of mortgage insurance premiums. These items are called "Escrow Items."
Lender may, at any time, collect and hold Funds in an amount not to exceed the maximum amount a lender for a
federally related mortgage loan may require for Borrower's escrow account under the federal Real Estate Settlement
Procedures Act of 1974 as amended from time to time, 12 U.S.C. g 2601 et seq. ( "RESPA "), unless another law
that applies to the Funds sets a lesser amount. If so, Lender may, at any time, collect and hold Funds in an
amount not to exceed the lesser amount. Lender may estimate the amount of Funds due on the basis of current
data and reasonable estimates of expenditures of future Escrow Items or otherwise in accordance with applicable
law.
OREGON - Single Family - Fannie Mae /Freddie Mac UNIFORM INSTRUMENT Form 3038 9/90
FUMC 2040 (3/91) Page 1 of 5
•
• • institution •
The Funds shall be held in an nstitution whose deposits are insured by a federal agency, instrumentality,
or entity (including Lender, if Lender is such an institution) or in any Federal Home Loan Bank. Lender shall
apply the Funds to pay the Escrow Items. Lender may not charge Borrower for holding and applying the Funds,
annually analyzing the escrow account, or verifying the Escrow Items, unless Lender pays Borrower interest on
the Funds and applicable law permits Lender to make such a charge. However, Lender may require Borrower to
pay a one -time charge for an independent real estate tax reporting service used by Lender in connection with this
loan, unless applicable law provides otherwise. Unless an agreement is made or applicable law requires interest to
be paid, Lender shall not be required to pay Borrower any interest or earnings on the Funds. Borrower and
Lender may agree in writing, however, that interest shall be paid on the Funds. Lender shall give to Borrower,
without charge, an annual accounting of the Funds, showing credits and debits to the Funds and the purpose for
which each debit to the Funds was made. The Funds are pledged as additional security for all sums secured by
this Security Instrument.
If the Funds held by Lender exceed the amounts permitted to be held by applicable law, Lender shall
account to Borrower for the excess Funds in accordance with the requirements of applicable law. If the amount of
the Funds held by Lender at any time is not sufficient to pay the Escrow Items when due, Lender may so notify
Borrower in writing, and, in such case Borrower shall pay to Lender the amount necessary to make up the
deficiency. Borrower shall make up the deficiency in no more than twelve monthly payments, at Lender's sole
discretion.
Upon payment in full of all sums secured by this Security Instrument, Lender shall promptly refund to
Borrower any Funds held by Lender. If, under paragraph 21, Lender shall acquire or sell the Property, Lender,
prior to the acquisition or sale of the Property, shall apply any Funds held by Lender at the time of acquisition
or sale as a credit against the sums secured by this Security Instrument.
3. Application of Payments. Unless applicable law provides otherwise, all payments received by Lender
under paragraphs 1 and 2 shall be applied: first, to any prepayment charges due under the Note; second, to
amounts payable under paragraph 2; third, to interest due; fourth, to principal due; and last, to any late charges
due under the Note.
4. Charges; Liens. Borrower shall pay all taxes, assessments, charges, fines and impositions attributable to
the Property which may attain priority over this Security Instrument, and leasehold payments or ground rents,
if any. Borrower shall pay these obligations in the manner provided in paragraph 2, or if not paid in that
manner, Borrower shall pay them on time directly to the person owed payment. Borrower shall promptly furnish
to Lender all notices of amounts to be paid under this paragraph. If Borrower makes these payments directly,
Borrower shall promptly furnish to Lender receipts evidencing the payments.
Borrower shall promptly discharge any lien which has priority over this Security Instrument unless
Borrower: (a) agrees in writing to the payment of the obligation secured by the lien in a manner acceptable to
Lender; (b) contests in good faith the lien by, or defends against enforcement of the lien in, legal proceedings
which in the Lender's opinion operate to prevent the enforcement of the lien; or (c) secures from the holder of
the lien an agreement satisfactory to Lender subordinating the lien to this Security Instrument. If Lender
determines that any part of the Property is subject to a lien which may attain priority over this Security
Instrument, Lender may give Borrower a notice identifying the lien. Borrower shall satisfy the lien or take one
or more of the actions set forth above within 10 days of the giving of notice.
5. Hazard or Property Insurance. Borrower shall keep the improvements now existing or hereafter erected on
the Property insured against loss by fire, hazards included within the term "extended coverage" and any other
hazards, including floods or flooding, for which Lender requires insurance. This insurance shall be maintained
in the amounts and for the periods that Lender requires. The insurance carrier providing the insurance shall be
chosen by Borrower subject to Lender's approval which shall not be unreasonably withheld. If Borrower fails to
maintain coverage described above, Lender may, at Lender's option, obtain coverage to protect Lender's rights in
the Property in accordance with paragraph 7.
All insurance policies and renewals shall be acceptable to Lender and shall include a standard mortgage
clause. Lender shall have the right to hold the policies and renewals. If Lender requires, Borrower shall promptly
give to Lender all receipts of paid premiums and renewal notices. In the event of loss, Borrower shall give
prompt notice to the insurance carrier and Lender. Lender may make proof of loss if not made promptly by
Borrower.
Unless Lender and Borrower otherwise agree in writing, insurance proceeds shall be applied to restoration or
repair of the Property damaged, if the restoration or repair is economically feasible and Lender's security is not
lessened. If the restoration or repair is not economically feasible or Lender's security would be lessened, the
insurance proceeds shall be applied to the sums secured by this Security Instrument, whether or not then due,
with any excess paid to Borrower. If Borrower abandons the Property, or does not answer within 30 days a
notice from Lender that the insurance carrier has offered to settle a claim, then Lender may collect the insurance
proceeds. Lender may use the proceeds to repair or restore the Property or to pay sums secured by this Security
Instrument, whether or not then due. The 30 -day period will begin when the notice is given.
Unless Lender and Borrower otherwise agree in writing, any application of proceeds to principal shall not
extend or postpone the due date of the monthly payments referred to in paragraphs 1 and 2 or change the amount
of the payments. If under paragraph 21 the Property is acquired by Lender, Borrower's right to any insurance
policies and proceeds resulting from damage to the Property prior to the acquisition shall pass to Lender to the
extent of the sums secured by this Security Instrument immediately prior to the acquisition.
6. Occupancy, Preservation, Maintenance and Protection of the Property; Borrower's Loan Application;
Leaseholds. Borrower shall occupy, establish, and use the Property as Borrower's principal residence within sixty
days after the execution of this Security Instrument and shall continue to occupy the Property as Borrower's
principal residence for at least one year after the date of occupancy, unless Lender otherwise agrees in writing,
which consent shall not be unreasonably withheld, or unless extenuating circumstances exist which are beyond
Borrower's control. Borrower shall not destroy, damage or impair the Property, allow the Property to
deteriorate, or commit waste on the Property. Borrower shall be in default if any forfeiture action or proceeding,
whether civil or criminal, is begun that in Lender's good faith judgment could result in forfeiture of the
Property or otherwise materially impair the lien created by this Security Instrument or Lender's security interest.
Borrower may cure such a default and reinstate, as provided in paragraph 18, by causing the action or proceeding
to be dismissed with a ruling that, in Lender's good faith determination, precludes forfeiture of the Borrower's
interest in the Property or other material impairment of the lien created by this Security Instrument or Lender's
security interest. Borrower shall also be in default if Borrower, during • the loan application process, gave
materially false or inaccurate information or statements to Lender (or failed to provide Lender with any material
information) in connection with the loan evidenced by the Note, including, but not limited to, representations
concerning Borrower's occupancy of the Property as a principal residence. If this Security Instrument is on a
leasehold, Borrower shall comply with all the provisions of the lease. If Borrower acquires fee title to the
Property, the leasehold and the fee title shall not merge unless Lender agrees to the merger in writing.
FUMC 2040 (3/91) Page 2 of 5
•
7. Protection of Lender's Rig is in the Property. If Borrower fails to perform the covenants and agreements
contained in this Security Instrument, or there is a legal proceeding that may significantly affect Lender's rights
in the Property (such as a proceeding in bankruptcy, probate, for condemnation or forfeiture or to enforce laws
or regulations), then Lender may do and pay for whatever is necessary to protect the value of the Property and
Lender's rights in the Property. Lender's actions may include paying any sums secured by a lien which has
priority over this Security Instrument, appearing in court, paying reasonable attorneys' fees and entering on the
Property to make repairs. Although Lender may take action under this paragraph 7, Lender does not have to do
so.
Any amounts disbursed by Lender under this paragraph 7 shall become additional debt of Borrower secured
by this Security Instrument. Unless Borrower and Lender agree to other terms of payment, these amounts shall
bear interest from the date of disbursement at the Note rate and shall be payable, with interest, upon notice from
Lender to Borrower requesting payment.
8. Mortgage Insurance. If Lender required mortgage insurance as a condition of making the loan secured by
this Security Instrument, Borrower shall pay the premiums required to maintain the mortgage insurance in effect.
If, for any reason, the mortgage insurance coverage required by Lender lapses or ceases to be in effect, Borrower
shall pay the premiums required to obtain coverage substantially equivalent to the mortgage insurance previously
in effect, at a cost substantially equivalent to the cost to Borrower of the mortgage insurance previously in
effect, from an alternate mortgage insurer approved by Lender. If substantially equivalent mortgage insurance
coverage is not available, Borrower shall pay to Lender each month a sum equal to one - twelfth of the yearly
mortgage insurance premium being paid by Borrower when the insurance coverage lapsed or ceased to be in effect.
Lender will accept, use and retain these payments as a loss reserve in lieu of mortgage insurance. Loss reserve
payments may no longer be required, at the option of Lender, if mortgage insurance coverage (in the amount and
for the period that Lender requires) provided by an insurer approved by Lender again becomes available and is
obtained. Borrower shall pay the premiums required to maintain mortgage insurance in effect, or to provide a
loss reserve, until the requirement for mortgage insurance ends in accordance with any written agreement between
Borrower and Lender or applicable law.
9. Inspection. Lender or its agent may make reasonable entries upon and inspections of the Property. Lender
shall give Borrower notice at the time of or prior to an inspection specifying reasonable cause for the inspection.
10. Condemnation. The proceeds of any award or claim for damages, direct or consequential, in connection
with any condemnation or other taking of any part of the Property, or for conveyance in lieu of condemnation,
are hereby assigned and shall be paid to Lender.
In the event of a total taking of the Property, the proceeds shall be applied to the sums secured by this
Security Instrument, whether or not then due, with any excess paid to Borrower. In the event of a partial taking
of the Property in which the fair market value of the Property immediately before the taking is equal to or
greater than the amount of the sums secured by this Security Instrument immediately before the taking, unless
Borrower and Lender otherwise agree in writing, the sums secured by this Security Instrument shall be reduced
by the amount of the proceeds multiplied by the following fraction: (a) the total amount of the sums secured
immediately before the taking, divided by (b) the fair market value of the Property immediately before the
taking. Any balance shall be paid to Borrower. In the event of a partial taking of the Property in which the fair
market value of the Property immediately before the taking is less than the amount of the sums secured
immediately before the taking, unless Borrower and Lender otherwise agree in writing or unless applicable law
otherwise provides, the proceeds shall be applied to the sums secured by this Security Instrument whether or not
the sums are then due.
If the Property is abandoned by Borrower, or if, after notice by Lender to Borrower that the condemnor
offers to make an award or settle a claim for damages, Borrower fails to respond to Lender within 30 days after
the date the notice is given, Lender is authorized to collect and apply the proceeds, at its option, either to
restoration or repair of the Property or to the sums secured by this Security Instrument, whether or not then
due.
Unless Lender and Borrower otherwise agree in writing, any application of proceeds to principal shall not
extend or postpone the due date of the monthly payments referred to in paragraphs 1 and 2 or change the amount
of such payments.
11. Borrower Not Released; Forbearance By Lender Not a Waiver. Extension of the time for payment or
modification of amortization of the sums secured by this Security Instrument granted by Lender to any successor
in interest of Borrower shall not operate to release the liability of the original Borrower or Borrower's successors
in interest. Lender shall not be required to commence proceedings against any successor in interest or refuse to
extend time for payment or otherwise modify amortization of the sums secured by this Security Instrument by
reason of any demand made by the original Borrower or Borrower's successors in interest. Any forbearance by
Lender in exercising any right or remedy shall not be a waiver of or preclude the exercise of any right or
remedy.
12. Successors and Assigns Bound; Joint and Several Liability; Co- signers. The covenants and agreements
of this Security Instrument shall bind and benefit the successors and assigns of Lender and Borrower, subject to
the provisions of paragraph 17. Borrower's covenants and agreements shall be joint and several. Any Borrower
who co -signs this Security Instrument but does not execute the Note: (a) is co- signing this Security Instrument
only to mortgage, grant and convey that Borrower's interest in the Property under the terms of this Security
Instrument; (b) is not personally obligated to pay the sums secured by this Security Instrument; and (c) agrees
that Lender and any other Borrower may agree to extend, modify, forbear or make any accommodations with
regard to the terms of this Security Instrument or the Note without that Borrower's consent.
13. Loan Charges. If the loan secured by this Security Instrument is subject to a law which sets maximum
loan charges, and that law is finally interpreted so that the interest or other loan charges collected or to be
collected in connection with the loan exceed the permitted limits, then: (a) any such loan charge shall be reduced
by the amount necessary to reduce the charge to the permitted limit; and (b) any sums already collected from
Borrower which exceeded permitted limits will be refunded to Borrower. Lender may choose to make this refund
by reducing the principal owed under the Note or by making a direct payment to Borrower. If a refund reduces
principal, the reduction will be treated as a partial prepayment without any prepayment charge under the Note.
14. Notices. Any notice to Borrower provided for in this Security Instrument shall be given by delivering
it or by mailing it by first class mail unless applicable law requires use of another method. The notice shall be
directed to the Property Address or any other address Borrower designates by notice to Lender. Any notice to
Lender shall be given by : first class mail to Lender's address stated herein or any other address Lender designates
by notice to Borrower. Any notice provided for in this Security Instrument shall be deemed to have been given
to Borrower or Lender when given as provided in this paragraph.
FUMC 2040 (3/91) Page 3 of 5
• • •
•
•
•
15. Governing Law; SeverabIlity. This Security Instrument shall be governed by federal law and the law of
the jurisdiction in which the Property is located. In the event that any provision or clause of this Security
Instrument or the Note conflicts with applicable law, such conflict shall not affect other provisions of this
Security Instrument or the Note which can be given effect without the conflicting provision. To this end the
provisions of this Security Instrument and the Note are declared to be severable.
16. Borrower's Copy. Borrower shall be given one conformed copy of the Note and of this Security
Instrument.
17. Transfer of the Property or a Beneficial Interest in Borrower. If all or any part of the Property or any
interest in it is sold or transferred (or if a beneficial interest in Borrower is sold or transferred and Borrower is
not a natural person) without Lender's prior written consent, Lender may, at its option, require immediate
payment in full of all sums secured by this Security Instrument. However, this option shall not be exercised by
Lender if exercise is prohibited by federal law as of the date of this Security Instrument.
If Lender exercises this option, Lender shall give Borrower notice of acceleration. The notice shall provide a
period of not less than 30 days from the date the notice is delivered or mailed within which Borrower must pay
all sums secured by this Security Instrument. If Borrower fails to pay these sums prior to the expiration of this
period, Lender may invoke any remedies permitted by this Security Instrument without further notice or demand
on Borrower.
18. Borrower's Right to Reinstate. If Borrower meets certain conditions, Borrower shall have the right to
have enforcement of this Security Instrument discontinued at any time prior to the earlier of: (a) 5 days (or such
other period as applicable law may specify for reinstatement) before sale of the Property pursuant to any power
of sale contained in this Security Instrument; or (b) entry of a judgment enforcing this Security Instrument.
Those conditions are that Borrower: (a) pays Lender all sums which then would be due under this Security
Instrument and the Note as if no acceleration had occurred; (b) cures any default of any other covenants or
agreements; (c) pays all expenses incurred in enforcing this Security Instrument, including, but not limited to,
reasonable attorneys' fees; and (d) takes such action as Lender may reasonably require to assure that the lien of
this Security Instrument, Lender's rights in the Property and Borrower's obligation to pay the sums secured by
this Security Instrument shall continue unchanged. Upon reinstatement by Borrower, this Security Instrument
and the obligations secured hereby shall remain fully effective as if no acceleration had occurred. However, this
right to reinstate shall not apply in the case of acceleration under paragraph 17.
19. Sale of Note; Change of Loan Servicer. The Note or a partial interest in the Note (together with this
Security Instrument) may be sold one or more times without prior notice to Borrower. A sale may result in a
change in the entity (known as the "Loan Servicer ") that collects monthly payments due under the Note and this
Security Instrument. There also may be one or more changes of the Loan Servicer unrelated to a sale of the Note.
If there is a change of the Loan Servicer, Borrower will be given written notice of the change in accordance with
paragraph 14 above and applicable law. The notice will state the name and address of the new Loan Servicer and
the address to which payments should be made. The notice will also contain any other information required by
applicable law.
20. Hazardous Substances. Borrower shall not cause or permit the presence, use, disposal, storage, or release
of any Hazardous Substances on or in the Property. Borrower shall not do, nor allow anyone else to do,
anything affecting the Property that is in violation of any Environmental Law. The preceding two sentences
shall not apply to the presence, use, or storage on the Property of small quantities of Hazardous Substances that
are generally recognized to be appropriate to normal residential uses and to maintenance of the Property.
Borrower shall promptly give Lender written notice of any investigation, claim, demand, lawsuit or other
action by any governmental or regulatory agency or private party involving the Property and any Hazardous
Substance or Environmental Law of which Borrower has actual knowledge. If Borrower learns, or is notified by
any governmental or regulatory authority, that any removal or other remediation of any Hazardous Substance
affecting the Property is necessary, Borrower shall promptly take all necessary remedial actions in accordance with
Environmental Law.
As used in this paragraph 20, "Hazardous Substances" are those substances defined as toxic or hazardous
substances by Environmental Law and the following substances: gasoline, kerosene, other flammable or toxic
petroleum products, toxic pesticides and herbicides, volatile solvents, materials containing asbestos or
formaldehyde, and radioactive materials. As used in this paragraph 20, "Environmental Law" means federal laws
and laws of the jurisdiction where the Property is located that relate to health, safety or environmental
protection.
NON - UNIFORM COVENANTS. Borrower and Lender further covenant and agree as follows:
21. Acceleration; Remedies. Lender shall give notice to Borrower prior to acceleration following Borrower's
breach of any covenant or agreement in this Security Instrument (but not prior to acceleration under paragraph
17 unless applicable law provides otherwise). The notice shall specify: (a) the default; (b) the action required to
cure the default; (c) a date, not less than 30 days front the date the notice Is given to Borrower, by which the
default must be cured; and (d) that failure to cure the default on or before the date specified in the notice may
result in acceleration of the sums secured by this Security Instrument and sale of the Property. The notice shall
• further inform Borrower of the right to reinstate after acceleration and the right to bring a court action to assert
the non - existence of a default or any other defense of Borrower to acceleration and sale. If the default Is not
cured on or before the date specified In the notice, Lender at its option may require immediate payment in full
of all sums secured by this Security Instrument without further demand and may invoke the power of sale and
any other remedies permitted by applicable law. Lender shall be entitled to collect all expenses incurred in
pursuing the remedies provided in this paragraph 21, including, but not limited to, reasonable attorneys' fees
and costs of title evidence.
If Lender invokes the power of sale, Lender shall execute or cause Trustee to execute a written notice of the
occurrence of an event of default and of Lender's election to cause the Property to be sold and shall cause such
notice to be recorded in each county in which any part of the Property is located. Lender or Trustee shall give
notice of sale in the manner prescribed by applicable law to Borrower and to other persons prescribed by
applicable law. After tho time required by applicable law, Trustee, without demand on Borrower, shall sell the
Property at public auction to the highest bidder at the time and place and under the terms designated in the
notice of sale in one or more parcels and in any order Trustee determines. Trustee may postpone sale of all or
any parcel of the Property by public announcement at the time and place of any previously scheduled sale. Lender
or its designee may purchase the Property at any sale.
Trustee shall deliver to the purchaser Trustee's deed conveying the Property without any covenant or
warranty, expressed or implied. The recitals in tho Trustee's deed shall be prima facie evidence of the truth of
the statements made therein. Trustee shall apply the proceeds of the sale in the following order: (a) to all
expenses of the sale, including, but not limited to, reasonable Trustee's and attorneys' fees; (b) to all sums
secured by this Security Instrument; and (c) any excess to the person or persons legally entitled to it.
FUMC 2040 (3/91) Page 4 of 5
22. Reconveyance. Upon p lent of all sums secured by this Security Instrument, Lender shall request
Trustee to reconvey the Property and shall surrender this Security Instrument and all notes evidencing debt
secured by this Security Instrument to Trustee. Trustee shall reconvey the Property without warranty and
without charge to the person or persons legally entitled to it. Such person or persons shall pay any recordation
costs.
23. Substitute Trustee. Lender may from time to time remove Trustee and appoint a successor trustee to any
Trustee appointed hereunder. Without conveyance of the Property, the successor trustee shall succeed to all the
title, power and duties conferred upon Trustee herein and by applicable law.
24. Attorneys' Fees. As used in this Security Instrument and in the Note, "attorneys' fees" shall include any
attorneys' fees awarded by an appellate court.
25. Riders to this Security Instrument. If one or more riders are executed by Borrower and recorded
together with this Security Instrument, the covenants and agreements of each such rider shall be incorporated
into and shall amend and supplement the covenants and agreements of this Security Instrument as if the rider(s)
were a part of this Security Instrument.
[Check applicable box(es)]
❑ Adjustable Rate Rider ❑ Condominium Rider ❑ 1 - 4 Family Rider
❑ Graduated Payment Rider ❑ Planned Unit Development Rider ❑ Biweekly Payment Rider
❑ Balloon Rider ❑ Rate Improvement Rider ❑ Second Home Rider
❑ Other(s) [specify)
BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this Security
Instrument and in any rider(s) executed by Borrower and recorded with it.
Witn
(Seal)
LLO E. SELL - Borrower
/
• ...... (Seal)
ELNA E. SELL - Borrower
(Seal) (Seal)
- Borrower - Borrower
[Space Below This Line For Acknowledgment]
STATE OF OREGON, WASt11 NCB 101\3 County ss:
On this ...! l.e!1.. day of `.1CritiCttA) , 19 , personally appeared the bove named
LLOYD E. SELL and ELNA E. SELL and acknowledged the foregoing instrument to be lel✓
voluntary act and deed.
(Official Seal) Before /
My Commission e.. iF ! _ ..
�.,.,., .. OF' CIAL SEAL :......�
,'`'• T THOMAS E. TOUGH r
. r. Notary Public for 0 "° NOTARY PUBLIC - OREGON
9 COMMISSION NO. 007273 f
1 MY COMMISSION EXPIRES AUG "1w VT FOR RECONVEYANCE
TO TR
The undersigned is the holder of the note or notes secured by this Deed of Trust. Said note or notes,
together with all other indebtedness secured by this Deed of Trust, have been paid in full. You are hereby
directed to cancel said note or notes and this Deed of Trust, which are delivered hereby, and to reconvey,
without warranty, all the estate now held by you under this Deed of Trust to the person or persons legally
entitled thereto.
Dated-
•
FUMC 2040 (3/91) Page 5 of 5
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